JPMORGAN CHASE & CO. CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 03/16/2019 | Yes |
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| On or about XX/XX/XXXX, I received XXXX XXXX on my right XXXX to repair XXXX XXXX and XXXX. Shortly thereafter, on or ab out XX/XX/XXXX, I was admitted into the XXXX XXXX XXXX XXXX XXXX after experiencing XXXX related issues. I was placed in the intensive care unit for a number a days and thereafter, released from the hospital. Thereafter, on or about XX/XX/XXXX, I was wrongfully terminated from my place of employment that I held for approximately ten years. After experiencing three major life-changing experiences and being unemployed, I continued to make my mortgage payments via my personal savings. Thereafter, I requested assistance from then Washington Mutual, which was later purchased by JP Morgan Chase Bank and or Chase Home Financing all to no avail. I was instructed to continue making my mortgage payments and received absolutely no assistance from either bank! Thereafter, I learned that Chase Bank and or Chase Home financing signed a " Servicer Participation Agreement for the Home Affordable Modification Program '' ( " the HARP contract '' ) on XX/XX/XXXX with XXXX XXXX ( see-attached document labeled exhibit A ) on information and belief Chase Home Finance, LLC also signed a HAMP contract with XXXX XXXX on XX/XX/XXXX. With this newfound knowledge, I demand assistance from JP Morgan Chase Bank and or Chase Home Finance with negative results. Over 95 % of the time I attempted to contact Chase by telephone, I faced long periods of holding time and whenever I attempted to leave a message with their assigned representative, the service providers mailbox would inform me that it was " full '' and can not accept any messages. In addition, Chase routinely gave false statements by stating that my documents were never received, but failed to specify what documents. Chase Home Finance stated in a letter to Plaintiff, " A review of our records indicates that Chase made numerous, unsuccessful contact attempts in order to try and facilitate a short sale. '' However, Plaintiff taped recordings tells a different story. The recordings shows Chase Home Finance had Plaintiffs correct telephone number, but intentionally and deliberately called the wrong number to prevent Plaintiff from receiving any assistance. Their criminal practice carried on routinely and I submitted overwhelming documents and taped telephone conversations to prove that Chase Bank intentionally and deliberately failed to assist me. They continuously and repeatedly lied by alleging they did not receive any of the my documents TO AVOID PROVIDING THE ME WITH ANY RELIEF OR APPROVE A SHORT SALE BECAUSE SERVICING THE MORTGAGE WAS MORE LUCRATIVE TO THEM THAN PROVIDING ME WITH ANY RELIEF. JP Morgan Chase and/or Chase Home Finance are intentionally ignoring a grave fact that I sent the requested documents and they INTENTIONALLY LIED by stating that they never received my documents. As a direct result, I was forced into bankruptcy, my property went into foreclosure and my requests for assistance were denied for alleged insufficient documentation. Although, I have records to disprove their false statements and prove that the documents were sent to the defendants via certified mail RR, express mail, postal mail and facsimile ( Please see attached ). Chase Home Finance also state in their letter to Plaintiff, " Indications are that the property is fire damaged. '' Plaintiff vehemently disputed defendants false accusations and obtained a letter from the City of XXXX, New Jersey Fire Chief XXXX XXXX. In his letter ( See attached ) to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. In addition, Plaintiff took numerous photographs of the property, which clearly showed that there is absolutely no evidence of fire damage. Continuing with their misconduct, Chase called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called from telephone No. XXXX and left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. Plaintiff sent the documents via certified mail, express mail & facsimile. ( Please see attached receipts ) Beginning in the XXXX of XXXX, the federal government instituted several measures to try to stabilize the housing and credit markets and assist troubled homeowners. In XX/XX/XXXX, the Emergency Economic Stabilization Act of 2008 ( EESA ) was passed to promote stability and liquidity in the financial system. Among other things, EESA authorized the Secretary of the Treasury to establish the Troubled Asset Relief Program ( TARP ). TARP funds were used, in part, to promote various mortgage loan modification programs. These programs were, The Making Home Affordable ( MHA ) Program, Home Affordable Modification Program ( HAMP ), " The Home Price Decline Protection Incentives ( HPDP ) initiative, The Principal Reduction Alternative ( PRA ), The Home Affordable Unemployment Program ( UP ), The Home Affordable Foreclosure Alternatives Program ( HAFA ), The Second Lien Modification Program ( 2MP ), The FHA-HAMP Program, The Treasury/FHA Second-Lien Program ( FHA2LP ), The FHA Refinance for Borrowers with Negative Equity ( FHA Short Refinance ) Program, Housing Finance Agency Hardest Hit Fund ( HHF ) Despite the voluminous number of programs available, Chase Bank and or Chase Home Finance did not recommend nor offer any of the programs. Instead, they allowed me to go further into debt, foreclosure and then bankruptcy, while defendants continued profiting from servicing Plaintiffs mortgage and receiving credit from the United States Government. Furthermore, Chase Home Finance states, " Chase did not receive the necessary documents in order to conduct a short sale review. '' Once again, Chase Home Finance intentionally and deliberately gave false statements in order to manipulate their requirements of the signed contract agreement with XXXX XXXX and other signed consent agreements with the United State government and the state of New Jersey. However, the facts will show that Chase Home Finance received their requested documents via express mail, certified mail and facsimile ( see attached documents ). Chase Home Finance also state in their letter, " Indications are that the property is fire damaged. '' Once again, this is a false statement. Attached hereto is a letter ( See attached document ) from the City of XXXX, New Jersey Fire Chief XXXX XXXX to Fire Official XXXX XXXX. In his letter to Chief XXXX XXXX, Chief XXXX states that there have been no responses to the property in question during the periods I owned the property. More importantly, I have taken numerous photographs of the property, which clearly shows that there is absolutely no evidence of fire damage. To make it appear as though they made an effort to provide me with relief, Chase Home Finance called me at my home telephone number and left a message on the evening prior to the short-sale. At XXXX, XXXX XXXX ( phonetic ) of Chase Home Finance called me from telephone No. XXXX left a message on my voicemail stating that the short sale would be declined due to insufficient documentations that were never submitted. However, Mrs. XXXX statement that documents were never submitted is contradicted by my attached documents that prove otherwise. On or about XX/XX/XXXX, the City of XXXX, New Jersey adopted a vacant property registration ordinance in which they began charging fees to register vacant homes ( See attached ). Unbeknownst to me, I paid the City of XXXX {$500.00} for the first initial registration fee, and {$1500.00} for the second registration fee. ( See attached documents ). On or about XX/XX/XXXX, I responded to City of XXXX, NJ, spoke with Mrs. XXXX XXXX XXXX, and advised her that I could no longer afford to make the vacant property registration payments. Mrs. XXXX advised me to submit my statements in a letter addressed to her and as she requested, the letter was sent to her via priority mail. On or about XX/XX/XXXX, I received an email from a City of XXXX, New Jersey official, XXXX XXXX from the Department of Economic Housing Development Department. Mr. XXXX wrote to enquire about my payment of the vacant property registration fee. ( See attached ) I responded to Mr. XXXX email ( See attached ) and advised Mr. XXXX of the following : Attached hereto is a copy of the letter I sent to your office via priority mail # XXXX dated XX/XX/XXXX. It is in response to a letter from your office dated XX/XX/XXXX. Thereafter, I receive a telephone call from your office stating that Chase Bank is responsible for making the vacant property payments and that I would be receiving a refund. Since then, I have NOT received a refund or call from your office in regards to my refund, except your email in regards to XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. I am XXXX and CAN NOT afford to make the payments, in addition, Chase Bank REFUSES to liquidate the property and they have refused to make the REQUIRED vacant property payments and somehow, your office is deciding to go after the XXXX person with NO FUNDS and Chase Bank has BILLIONS of dollars and refuses to pay! Please help/assist me in resolving this matter because I can not afford these payments. In addition, I am anticipating a refund from your office, not a notice to payment with penalties. Coincidently, Chase Bank released their lien to the property ( XXXX XXXX XXXX XXXX XXXX, NJ ) on or about XX/XX/XXXX, in order to avoid paying the City of XXXX, New Jersey the vacant Property registration fee. Unfortunately, I was not given notice from Chase Bank until AFTER XX/XX/XXXX. Chase Bank is fully aware they are responsible for making the vacant property registration payment with the City of XXXX, New Jersey, however they intentionally failed to do so. I received numerous tickets on the property and made numerous court appearances because Chase Bank refused to maintain the property. I filed a complaint with the Consumer Financial Protection Bureau, more succinctly on or about XX/XX/XXXX. ( See attached ) Chase Bank responded with THREE separate letters addressed to me, admitting they owed XXXX XXXX {$2000.00}. We previously agreed to reimburse you {$2000.00} for certain fees based on the receipts you submitted in XX/XX/XXXX. WE WERE RESPONSIBLE FOR ALL REGISTRATION PERIODS UNTIL THE LIEN WAS RELEASED. Chase Bank requested that I sign a release agreement that did not include any reimbursement for my cost of cleaning up the debris, reimbursement for paid back taxes, reimbursement for travel & cost for several court appearances because Chase Bank refuse to maintain the property or have it secured, nor did the document have a date in which I would be paid for my cost, so I refused because Chase Bank was not negotiating in good faith. On or about XX/XX/XXXX, I filed a Complaint, alleging various violations of New Jersey 's Consumer Fraud Act ( CFA ), which protects consumers from deceptive, false, or fraudulent business practices because Chase Bank refused to pay. The Complaint alleges that Defendants falsely, erroneously and deceptively, denied Plaintiff any relief with respect to his mortgage loan with the defendants. ( See attached ) Chase Bank responded by lying to the court and denying owing me any monies. ( See attached brief by Chase Bank outside attorneys ) Chase Bank denied owing me the money for the vacant property registration fees and they denied having a responsibility to provide me with any relief with my property DESPITE SIGNING CONSENT AGREEMENTS WITH THE FEDERAL AND STATE GOVERNMENTS STATING THAT THEY WOULD PROVIDE HOMEOWNERS LIKE MYSELF RELIEF! INSTEAD, CHASE BANK CHOSE TO INTENTIONALLY, WILLFULLY & KNOWINGLY LIE IN A SUPERIOR COURT OF NEW JERSEY. Furthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well accepted that " there is no right to a loan modification under New Jersey law. '' Plaintiff also claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. Furthermore, there is no right to a loan modification under New Jersey Law and a servicer can not be compelled to accept a short sale. The crux of Plaintiffs Complaint appears to be loss mitigation. It is well-accepted that " there is no right to a loan modification under New Jersey law. '' The Banks Unfair, Deceptive, and Unlawful Loan Modification and Loss Mitigation Processes Under the States consumer protection laws, Chase Bank is prohibited from engaging in unfair or deceptive practices with respect to consumers. Pursuant to HUD regulations and FHA guidance, FHA-approved mortgage lenders and their servicers are required to engage in loss-mitigation efforts to avoid the foreclosure of HUD-insured mortgages. E.g., 24 C.F.R. 203.500 et seq. ; Mortgagee Letter 2008-07 ( Treble Damages for Failure to Engage in Loss Mitigation ) ( XXXX XXXX, XXXX ) ; Mortgagee Letter 1996-25 ( Existing Alternatives to Foreclosure -- Loss Mitigation ) ( XX/XX/XXXX ). Thus, when acting as a servicer, Chase Bank was required to refrain from foreclosing on any FHA insured mortgage where a default could be addressed by modifying the terms of the mortgage or other less-costly alternatives to foreclosure were available. Under the Treasurys various rescue and stimulus programs, Chase Bank received monetary incentives from the Federal government in exchange for the commitment to make efforts to modify defaulting borrowers residential mortgages. See, e.g., Making Home Affordable Handbook v.1.0, ch. 13 ( Incentive Compensation ) ( XXXX XXXX, XXXX ). Under the programs, Chase Bank agreed to fulfill requirements set forth in program guidelines and servicer participation agreements. Chase Bank regularly conducts or manages loan modifications on behalf of the entities that hold the loans and mortgages and that hired the Banks as servicers. In the course of their servicing and oversight of mortgage loans, Chase Bank violated federal laws, program requirements and contractual requirements governing loss mitigation. Chase Bank attorneys statements in the briefs to the Superior Court of New Jersey Plaintiff also claims that Chase should be required to reimburse him for fees he paid to the City of XXXX for Vacant Property Registration and expenses paid to have the Property secured and debris removed. See Complaint, Prayer for Relief 6-7. However, Plaintiff entirely fails to present a cognizant basis as to why Chase should be responsible for these fees. In no event shall JPMC or XXXX request or require any borrower to execute a waiver of any claims against JPMC or XXXX ( including any agent of JPMC or XXXX ) in connection with any payment or Foreclosure Prevention assistance provided pursuant to paragraphs 3 or 4 of this Order. However, nothing herein shall operate to bar JPMC or XXXX from asserting in the future in any separate litigation, or as part of a settlement related to JPMCs or XXXX XXXX foreclosure and servicing practices, any right that may exist under applicable law to offset the amounts received by a borrower through the distribution process set forth above. Nothing herein shall operate to amend or modify in any respect any preexisting settlement between JPMC, XXXX, or an affiliate of either and a borrower in the In-Scope Borrower Population. By Order of the Board of Governors. Loss Mitigation Requirements. SERVICER SHALL BE REQUIRED TO NOTIFY POTENTIALLY ELIGIBLE BORROWERS OF CURRENTLY AVAILABLE LOSS MITIGATION OPTIONS PRIOR TO FORECLOSURE REFERRAL. Upon the timely receipt of a complete loan modification application, Servicer shall evaluate borrowers for all available loan modification options for which they are eligible prior to referring a borrower to foreclosure and shall facilitate the submission and review of loss mitigation applications. The foregoing notwithstanding, Servicer shall have no obligation to solicit borrowers who are in bankruptcy. Servicer shall offer and facilitate loan modifications for borrowers rather than initiate foreclosure when such loan modifications for which they are eligible are net present value ( NPV ) positive and meet other investor, guarantor, insurer and program requirements. As indicated in paragraph I.A.18, Servicer shall send a statement to the borrower outlining loss mitigation efforts undertaken with respect to the borrower prior to foreclosure referral. If no loss mitigation efforts were offered or undertaken, Servicer shall state whether it contacted or attempted to contact the borrower and, if applicable, why the borrower was ineligible for a loan modification or other loss mitigation options. Servicer shall ensure timely and accurate communication of or access to relevant loss mitigation status and changes in status to its foreclosure attorneys, bankruptcy attorneys and foreclosure trustees and, where applicable, to court-mandated mediators. Single Point of Contact 4. The SPOC SHALL, at a minimum, provide the following services to borrowers : a. Contact borrower and introduce himself/herself as the borrowers SPOC ; b. Explain programs for which the borrower is eligible ; c. Explain the requirements of the programs for which the borrower is eligible ; d. Explain program documentation requirements ; e. Provide basic information about the status of borrowers account, including pending loan modification applications, other loss mitigation alternatives, and foreclosure activity ; f. Notify borrower of missing documents and provide an address or electronic means for submission of documents by borrower in order to complete the loan modification application ; g. Communicate Servicers decision regarding loan modification applications and other loss mitigation alternatives to borrower in writing ; h. Assist the borrower in pursuing alternative non-foreclosure options upon denial of a loan modification ; i. If a loan modification is approved, call borrower to explain the program ; j. Provide information regarding credit counseling where necessary ; k. Help to clear for borrower any internal processing requirements ; and l. Have access to individuals with the ability to stop foreclosure proceedings when necessary to comply with the MHA Program or this Agreement. The SPOC shall remain assigned to borrowers account and available to borrower until such time as Servicer determines in good faith that all loss mitigation options have been exhausted, borrowers account becomes current or, in the case of a borrower in bankruptcy, the borrower has exhausted all loss mitigation options for which the borrower is potentially eligible and has applied. Servicer shall ensure that a SPOC can refer and transfer a borrower to an appropriate supervisor upon request of the borrower. Servicer shall ensure that relevant records relating to borrowers account are promptly available to the borrowers SPOC, so that the SPOC can timely, adequately and accurately inform the borrower of the current status of loss mitigation, loan modification, and foreclosure activities. Servicer shall designate one or more management level employees to be the primary contact for the Attorneys General, state financial regulators, the Executive Office of U.S. Trustee, each regional office of the U.S. Trustee, and federal regulators for communication regarding complaints and inquiries from individual borrowers who are in default and/or have applied for loan modifications. Servicer shall provide a written acknowledgment to all such inquiries within 10 business days. Servicer shall provide a substantive written response to all such inquiries within 30 days. Servicer shall provide relevant loan information to borrower and to Attorneys General, state financial regulators, federal regulators, the Executive Office of the U.S. Trustee, and each U.S. Trustee upon written request and if properly authorized. A written complaint filed by a borrower and forwarded by a state attorney general or financial regulatory agency to Servicer shall be deemed to have proper authorization. Servicer shall establish and make available to Chapter XXXX trustees a toll-free number staffed by persons trained in bankruptcy to respond to inquiries from Chapter XXXX trustees. Servicer shall consider partnering with third parties, including national chain retailers, and shall consider the use of select bank branches affiliated with Servicer, to set up programs to allow borrowers to copy, fax, scan, transmit by overnight delivery, or mail or email documents to Servicer free of charge. Development of Loan Portals. 1. Servicer shall develop or contract with a third-party vendor to develop an online portal linked to Servicers primary servicing system where borrowers can check, at no cost, the status of their first lien loan modifications. 2. Servicer shall design portals that may, among other things : a. Enable borrowers to submit documents electronically ; b. Provide an electronic receipt for any documents submitted ; Provide information and eligibility factors for proprietary loan modification and other loss mitigation programs ; and c. Permit Servicer to communicate with borrowers to satisfy any written communications required to be provided by Servicer, if borrowers submit documents electronically. 3. Servicer shall participate in the development and implementation of a neutral, nationwide loan portal system linked to Servicers primary servicing system, such as Hope LoanPort to enhance communications with housing counselors, including using the technology used for the Borrower Portal, and containing similar features to the Borrower Portal. 4. Servicer shall update the status of each pending loan modification on these portals at least every 10 business days and ensure that each portal is updated on such a schedule as to maintain consistency. Loan Modification Timelines. 1. Servicer shall provide written acknowledgement of the receipt of documentation submitted by the borrower in connection with a first lien loan modification application within 3 business days. In its initial acknowledgment, Servicer shall briefly describe the loan modification process and identify deadlines and expiration dates for submitted documents. 2. Servicer shall notify borrower of any known deficiency in borrowers initial submission of information, no later than 5 business days after receipt, including any missing information or documentation required for the loan modification to be considered complete. 3. Subject to section IV.B, Servicer shall afford borrower 30 days from the date of Servicers notification of any missing information or documentation to supplement borrowers submission of information prior to making a determination on whether or not to grant an initial loan modification. 4. Servicer shall review the complete first lien loan modification application submitted by borrower and shall determine the disposition of borrowers trial or preliminary loan modification request no later than 30 days after receipt of the complete loan modification application, absent compelling circumstances beyond Servicers control. 5. Servicer shall implement processes to ensure that second lien loan modification requests are evaluated on a timely basis. When a borrower qualifies for a second lien loan modification after a first lien loan modification in accordance with Section 2.c.i of the General Framework for Consumer Relief Provisions, the Servicer of the second lien loan shall ( absent compelling circumstances beyond Servicers control ) send loan modification documents to borrower no later than 45 days after the Servicer receives official notification of the successful completion of the related first lien loan modification and the essential terms. 6. For all proprietary first lien loan modification programs, Servicer shall allow properly borrower financials to be used for 90 days from the date the documents are received, unless Servicer learns that there has been a material change in circumstances or unless investor requirements mandate a shorter time frame. Independent Evaluation of First Lien Loan Modification Denials. Except when evaluated as provided in paragraphs IV.B.8 or IV.B.9, Servicers initial denial of an eligible borrowers request for first lien loan modification following the submission of a complete loan modification application shall be subject to an independent evaluation. Such evaluation shall be performed by an independent entity or a different employee who has not been involved with the particular loan modification. Servicer shall not, in the ordinary course, require a borrower to waive or release claims and defenses as a condition of approval for a loan modification program or other loss mitigation relief. However, nothing herein shall preclude Servicer from requiring a waiver or release of claims and defenses with respect to a loan modification offered in connection with the resolution of a contested claim, when the borrower would not otherwise be qualified for the loan modification under existing Servicer programs. Short Sales 1. Servicer shall make publicly available information on general requirements for the short sale process. 2. Servicer shall consider appropriate monetary incentives to underwater borrowers to facilitate short sale options. 3. Servicer shall develop a cooperative short sale process, which allows the borrower the opportunity to engage with Servicer to pursue a short sale evaluation prior to putting home on the market. 4. Servicer shall send written confirmation of the borrowers first request for a short sale to the borrower or his or her agent within 10 business days of receipt of the request and proper written authorization from the borrower allowing Servicer to communicate with the borrowers agent. The confirmation shall include basic information about the short sale process and Servicers requirements, and will state clearly and conspicuously that the Servicer may demand a deficiency payment if such deficiency claim is permitted by applicable law. 5. Servicer shall send borrower at borrowers address of record or to borrowers agent timely written notice of any missing required documents for consideration of short sale within 30 days of receiving borrowers request for a short sale. 6. Servicer shall review the short sale request submitted by borrower and communicate the disposition of borrowers request no later than 30 days after receipt of all required information and third-party consents. 7. If the short sale request is accepted, Servicer shall contemporaneously notify the borrower whether Servicer or investor will demand a deficiency payment or related cash contribution and the approximate amount of that deficiency, if such deficiency obligation is permitted by applicable law. If the short sale request is denied, Servicer shall provide reasons for the denial in the written notice. If Servicer waives a deficiency claim, it shall not sell or transfer such claim to a third-party debt collector or debt buyer for collection. Servicer shall develop and implement policies and procedures to ensure that REO properties do not become blighted. E. Potential Violations and Right to Cure 1. A Potential Violation of this Consent Judgment occurs if the Servicer has exceeded the Threshold Error Rate set for a Metric in a given Quarter. In the event of a Potential Violation, Servicer shall meet and confer with the Monitoring Committee within 15 days of the Quarterly Report or Monitor Report indicating such Potential Violation. 2. Servicer shall have a right to cure any Potential Violation. 3. Subject to Section E.4, a Potential Violation is cured if ( a ) a corrective action plan approved by the Monitor ( the Corrective Action Plan ) is determined by the Monitor to have been satisfactorily completed in accordance with the terms thereof ; and ( b ) a Quarterly Report covering the Cure Period reflects that the Threshold Error Rate has not been exceeded with respect to the same Metric and the Monitor confirms the accuracy of said report using his or her ordinary testing procedures. The Cure Period shall be the first full quarter after completion of the Corrective Action Plan or, if the completion of the Corrective Action Plan occurs within the first month of a Quarter and if the Monitor determines that there is sufficient time remaining, the period between completion of the Corrective Action Plan and the end of that Quarter. 4. If after Servicer cures a Potential Violation pursuant to the previous section, another violation occurs with respect to the same Metric, then the second Potential Violation shall immediately constitute an uncured violation for purposes of Section J.3, provided, however, that such second Potential Violation occurs in either the Cure Period or the quarter immediately following the Cure Period. 5. In addition to the Servicers obligation to cure a Potential Violation through the Corrective Action Plan, Servicer must remediate any material harm to particular borrowers identified through work conducted under the Work Plan. In the event that a Servicer has a Potential Violation that so far exceeds the Threshold Error Rate for a metric that the Monitor concludes that the error is widespread, Servicer shall, under the supervision of the Monitor, identify other borrowers who may have been harmed by such noncompliance and remediate all such harms to the extent that the harm has not been otherwise remediated. In conclusion, Chase Bank and or Chase Home Finance has breached their contract with me, violated the terms of their various signed consent decrees with the United States and state governments and intentionally drove me into foreclosure and bankruptcy because it was more lucrative for me to fail than to provide me with any relief. JP Morgan Chase Bank sent me THREE SEPARATE letters admitting that they owe me the money for the vacant property registration and refuse to reimburse me for the back taxes, clean up & multiple court appearances. Thereafter, they hired outside attorneys to lie for them in the Superior Court of New Jersey and state that they do not owe me any money for vacant property fees and they do not have to reimburse me for any of my cost and expense. JP Morgan Chase Bank auctions are criminal! I believe I have provided overwhelming documents that proves ; Chase Bank received ALL of my requested documents and they intentionally lied and ignored my repeated request for assistance because they knew they were going to be compensated by servicing the loan AND receiving credits from the federal government. I am requesting full reimbursement and to be made whole for the following reason : 1. Full reimbursement for vacant property fees 2. Full reimbursement for paid taxes/back taxes 3. Full reimbursement for court appearances and parking 4. Pain & Suffering 5 Intentional infliction of emotional distress 6. Negligent infliction of emotional distress 7. Committing malice in their wrongful conduct 8. Breach of Contract 9. Lost of Property | ||||||
| 08/15/2017 | Yes |
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| Alleged Account # XXXX FINAL RESPONSE TO JPMORGAN CHASE BANK NA CO MORTGAGE DEPT Reference number XXXX, XXXX : NOTICE - MOST IMPORTANT - The documents for this alleged Mortgage Assignment is nothing but forgeries and robo signing at best. NO ACTUAL FINDINGS - Within the request they the bank JPMorgan Chase NA Mortgage Co was requested to provide proof of said signatures that of the original signatures not forgeries. The signatures are proven not to be that of XXXX XXXX XXXX nor that of XXXX XXXX XXXX the real persons in flesh. Whom do not and has never given any permission to JPMorgan Chase, nor XXXX Mortgage XXXX XXXX XXXX XXXX Funding. WRONG IDENTITY - JPMorgan Chase Bank has referred to XXXX XXXX XXXX & XXXX XXXX XXXX as XXXX XXXX XXXX and XXXX XXXX XXXX, as well as XXXX XXXX or as in XXXX XXXX using the same address within this claim. This is completely and utterly identity theft, fraud no contract. There are no forms presented of an actual ledgers, copy of a check for payments signed by the real persons nor an accurate date or timeline of events for this loan to have taken place. What has been presented to all seen in this complaint is nothing best of forgeries, identity fraud, fraud no contract, and fraud in the inclusion! The attempts of communications with XXXX XXXX XXXX and XXXX XXXX XXXX are therefore cut off, and has never truly existed with the Plaintiffs/real party ( s ) in interest on in the acts of harassment. The document dated XXXX XXXX, XXXX are all forgeries as stated multiple times to JPMorgan Chase Bank to its employees, and agents as in CEOs XXXX, CFO and Representatives. Their response is internally created by former employees of XXXX Mortgage XXXX XXXX XXXX XXXX Funding that of XXXX XXXX and XXXX XXXX XXXX whom may or many not be real persons. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX and that of XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX and XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. XXXX XXXX, XXXX - XXXX From XXXX XXXX dated XXXX XXXX, XXXX. The letter states that the right to cancel was received and that neither credit reporting nor a history thereof shall or has ever taken place. Please see the attachments. The original letter and envelope has been kept in good status and or shape and is ready for review by court of law and by a jury of our peers. JPMorgan Chase sues the FDIC for issues with WaMu banking issues and legal matters that pertain to this matter in fact. The Accounting documents is no ledger and is misleading at best and a false representation of the facts. On the attached documents pages 11 of this alleged accounting not a ledger rather they stated that they acquired the alleged mortgage loan on XXXX XXXX, XXXX, and later a payment on XXXX XXXX, XXXX to WaMu - XXXX Mortgage, when in fact the final payment was made to XXXX Mortgage on or about XXXX XXXX, XXXX and the payoff letter sent to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. There was no payments made to WaMu during this time, nor was there any credit reporting agencies provide any history of such payments therefore this is a fraudulent attempt of identity theft and Mortgage Assignment fraud. This is why the credit history of JPMorgan Chase has been deleted from both XXXX XXXX XXXX and XXXX XXXX XXXX. The Right to Cancel forms presented by JPMorgan Chase are forgeries - It has been shown as of XXXX XXXX that the signatures that appear on the Note of XXXX Mortgage XXXX. XXXX XXXX has concluded that beyond a reasonable doubt that the signatures upon the alleged documents presented by JPMorgan Chase Bank are not XXXX XXXX XXXX. An earlier signature expert presented the original signatures that on the documents in XXXX XXXX XXXX identity are not that of XXXX XXXX XXXX and are forgeries. The handwriting expert and examination was done at an earlier time in the year of XXXX. The handwriting expert completed XXXX XXXX XXXX report on XXXX XXXX. Neither signature match the original signatures of the living persons that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The forgeries also represent misleading ideals of XXXX thereof for XXXX XXXX XXXX signs his name in full aka XXXX XXXX XXXX in most cases whenever finalizing legal contractual documents of any kind. This is not presented in there findings! The doctored up accounting document not a ledger never presented any facts of the true identity time frame of this mortgage in fact there is no history of any payments during the accounting documents presented in the year of XXXX, XXXX nor XXXX. As of XXXX payments for demanded and forced under duress as XXXX XXXX XXXX and XXXX XXXX XXXX investigated this fraudulent action created and caused by JPMorgan Chase bank and employees. Proof of claim that You JPMorgan Chase Bank NA Mortgage Co are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase Bank NA and XXXX Mortgage XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to JPMorgan Chase NA XXXX XXXX XXXX or XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), XXXX XXXX XXXX XXXX, XXXX Title XXXX of the Consumer Credit Protection Act of XXXX. The Indentured Trust Act of XXXX HJR XXXX, XXXX Statutes at large XXXX, and XXXX, XXXX of XXXX The securities exchange act of XXXX The fair credit reporting act public law No. XXXX enacted in XXXX The Bankruptcy act of XXXX XXXX U.S.C. XXXX, XXXX. XXXX U.C.C. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Third Party Collection agency - JPMorgan Chase is a third party collector and or creditor using the identities of XXXX XXXX and XXXX WaMu XXXX Mortgage XXXX XXXX XXXX XXXX Funding and XXXX that of which the the bank JPMorgan Chase claims to have acquired as of these dates XXXX XXXX, XXXX XXXX, and that of XXXX XXXX. Rather the Mortgage XXXX XXXX was created XXXX XXXX, XXXX XXXX XXXX XXXX XXXX years thereafter the alleged acquisition. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUSP # XXXX - JPMorgan Chase Bank stated that XXXX confirmed that XXXX has not found any records indicating that XXXX XXXX XXXX or his company, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, were customers of XXXX XXXX or JPMorgan Chase. The documents we received with your correspondence, the year XXXX XXXX shows that at that time he was a customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX which cleared through XXXX, XXXX XXXX XXXX. XXXX XXXX? - Facts of the USDA XXXX XXXX XXXX # XXXX - this investment was not done in XXXX. The XXXX form was sent to JPMorgan Chase Bank as of the year XXXX along with other documents of history between the two parties XXXX XXXX XXXX and XXXX XXXX the investment documents mentioned therein their letter of denial is simply former relationship building. The investor XXXX XXXX XXXX controller/owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued thereafter XXXX building relationships with XXXX XXXX employees, brokers bankers and others therein and outside of XXXX XXXX since XXXX till the crash of the markets thereof in the year of XXXX. This letter simply states the date and time of relationship and those beginning in its investment stages. The USDA XXXX XXXX CUSP # XXXX is a hedge fund investment the so called XXXX was stocks. Relationships with XXXX XXXX employees such as XXXX XXXX and subsidiary of JPMorgan Chase Bank that of XXXX XXXX employee XXXX XXXX has provided enough evidence that within emails phone calls and physical meetings dates times phone numbers email accounts has provided enough information therein for JPMorgan Chase to acknowledge these substantial facts yet they have used information given to them by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX BANK. During the 9 and half years of this dispute, complaint, or claims, JPMorgan Chase nor XXXX XXXX has ever mentioned this information. Nor have they attempted to contact XXXX XXXX XXXX in person whereas the bank ( s ) JPMorgan Chase Bank and XXXX XXXX XXXX has his contact information. JPMorgan Chase alleges that the account information was from XXXX which has been closed since such time but never mentioned the XXXX XXXX XXXX XXXX # XXXX therein such bank on numerous occasions a investor XXXX or XXXX has shown the XXXX NUMBER USDA XXXX XXXX # XXXX to be real and have been moved around within said bank that of JPMorgan Chase Bank. The investment of XXXX XXXX XXXX XXXX # XXXX states in writing that this investment is within and through XXXX XXXX Co, nothing further nor anyone else mentioned therein this agreement of XXXX. XXXX XXXX employed by XXXX XXXX and XXXX XXXX XXXX within this deal employed by XXXX XXXX, never mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX during its conversations, during meetings, nor in emails or text messages. XXXX XXXX, XXXX JPMorgan Chase received another offer to pay discharge this alleged debt in the form of a Money Order ( bond ) in its full payment in the amount of {$460000.00} plus any interest if any is allowed within both federal and state laws. Therefore no response to such payment has been given in acknowledgment within said information of XXXXreasury Direct Account information Bill Of Exchange Act 34 of XXXX [ Assented to XXXX XXXX XXXX ] [ Date Of Commencement : XXXX XXXX XXXX ] ( Afrikaans text signed by the State President ) as amended by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Act XXXX of XXXX Bills of Exchange Amendment Act 56 of XXXX Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes. XXXX. XXXX XXXX XXXX homeowner XXXX XXXX XXXX how and XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc, .. XXXX XXXX XXXX XXXX XXXX XXXX FARMS MI XXXX Corporate number - XXXX Dissolved XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XXXX and agains in Michigan via Delaware as of XXXX? XXXX XXXX, XXXX company type is XXXX XXXX. XXXX XXXX assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX Mortgage, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ca XXXX. You can find this business by geo coordinates : XXXX XXXX ' XXXX '' XXXX, XXXX XXXX ' XXXX '' XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time. XXXX XXXX, XXXX was incorporated on Monday XXXX XXXX XXXX, so this company age is twelve years, two months and XXXX days. Current company status of this company is XXXX. XXXX XXXX, XXXX XXXX is XXXX XXXX XXXX , XXXX Of XXXX.. According to Maryland business register this business is not in good standing. Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978. The Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the XXXX via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title XXXX XXXX. XXXX, and XXXX statute at large chapter XXXX. Also provide these further items if associated with this matter in any fashion and or form Federal Reserve form S3 registration statement, Federal Reserve form 424 ( b ) ( 5 ) prospectus, Federal Reserve for FR 2046 balance sheet ( s ), Federal Reserve for FR 2049 balance sheet ( s ), Federal Reserve form 2099 balance sheet ( s ), The Deed Of Trust. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. U.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment. Presentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee. The following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made. By refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws. Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company. Proof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent. It comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit. If you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith. Further during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so. Notice the XXXX Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX with the XXXX XXXX XXXX. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE! t is believed that this loan was created in XXXX thereafter XXXX XXXX XXXX obtained investments within the Bank XXXX XXXX XXXX Co. Which is now or have been acquired by JPMorgan Chase NA as of the year XXXX. The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for MERS? As well the Beneficiary and Nominee for XXXX XXXX WaMu XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XXXX XXXX, XXXX, and had paid XXXX XXXX XXXX XXXX XXXX, to record it with XXXX XXXX XXXX Recorder Registrar on XXXX XXXX, XXXX. XXXX ( XXXX ) years after the alleged acquisition of XXXX Chase Bank well after again XXXX years after XXXX Mortgage was no longer in business within XXXX XXXX of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XXXX/XXXX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX XXXX XXXX office. This was the first time the halls made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. Now was any permission given for anyone to record such documents on the halls behalf during such time. It is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XXXX/XXXX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed. Since this alleged loan was created, to avoid and hide the investment funds USDA FUNDS was CUSIP Number CUSIP # XXXX worth $ XXXX maturity date XXXX XXXX, XXXX, originated XXXX XXXX. The final maturity date for this investment is XXXX XXXX, XXXX. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of XXXX NUMBER CUSIP # XXXX. This is the issue at hand. More over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people. The fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX Mortgage XXXX XXXX XXXX XXXX Funding thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XXXX XXXX a letter sent XXXX XXXX, and again in XXXX XXXX in form of another letter this year XXXX XXXX. THE LAW ON THE BILL OF EXCHANGE ACT - Bill Of Exchange Act 34 of 1964 [ Assented to 11 May 1964 ] [ Date Of Commencement : 15 May 1964 ] ( Afrikaans text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes. XXXX. XXXX XXXX XXXX homeowner XXXX XXXX XXXX how and XXXX XXXX XXXX Nominee Secretary Beneficiary MERS etc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FARMS MI XXXX Corporate number - XXXX Dissolved XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XXXX and agains in Michigan via Delaware as of XXXX? XXXX XXXX, XXXX company type is XXXX XXXX. XXXX XXXX assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX Mortgage, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ca XXXX. You can find this business by geo coordinates : 39 9 ' 28.7 '' N, 75 31 ' 19.3 '' W. There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time. XXXX XXXX, XXXX was incorporated on Monday XXXX XXXX XXXX, so this company age is XXXX years, XXXX months and XXXX days. Current company status of this company is XXXX. XXXX XXXX, XXXX XXXX is XXXX XXXX XXXX XXXX XXXX Of XXXX According to Maryland business register this business is not in good standing. Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX and that of XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX and XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. Proof of claim that You JPMorgan Chase Bank NA Mortgage Co are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. A copy of the actual accounting, original ledger whereby JPMorgan Chase Bank NA and XXXX Mortgage XXXX XXXX XXXX XXXX Funding has incurred a loss as a result of the alleged debt. An invoice ( not a Statement ), for any amount of money allegedly owed to JPMorgan Chase NA XXXX XXXX XXXX or XXXX XXXX XXXX for that matter has alleged. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978. The Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48. Also provide these further items if associated with this matter in any fashion and or form Federal Reserve form S3 registration statement, Federal Reserve form 424 ( b ) ( 5 ) prospectus, Federal Reserve for FR 2046 balance sheet ( s ), Federal Reserve for FR 2049 balance sheet ( s ), Federal Reserve form 2099 balance sheet ( s ), The Deed Of Trust. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article XXXX - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. U.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment. Presentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee. The following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made. By refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws. Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company. Proof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent. It comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit. If you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will reviv | ||||||
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| . URGENT FROM : XXXX. XXXX XXXX XXXX, XXXX XXXX, President Commissaries XXXX ; and XXXX XXXX, Majority Owner, 100 % Proxy Holder and CIO ATT : 1.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Head of Americas Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX ; 2.XXXX XXXX XXXX - VIA Email : XXXX ; XXXX Office Mail Code XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : I. Federal Deposit Insurance Corporation, Division of Depositor and Consumer Protection XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / FDIC Reference among others : Number : XXXX VIA / E-mail : XXXX, XXXX ; II. Federal Reserve Board of Governors XXXX XXXX XXXX XXXX, XXXX XXXX VIA / E-mail : XXXX ; Reference among others : Number XXXX XXXX. Consumer Financial Protection Bureau XXXX XXXX, Senior Vice President - Head of Customer Experience Consumer Financial Protection Bureau-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIA / E-mail : XXXX ; IV. Office of the Comptroller of the Currency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX VIA / E-mail : XXXX ; Reference among others : Number :XXXX XXXX United States Securities and Exchange Commission ( SEC ), XXXX XXXX SEC Headquarters Office, to the hands of XXXX XXXX XXXX XXXX Special Counsel Office of Investor Education and Advocacy U.S. Securities and Exchange Commission VIA / E-mail : XXXX, XXXX, XXXX ; VI. FEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX VIA Email : XXXX XXXX. XXXX Direction XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ; XXXX. XXXX, XXXX ; Ladies and Gentlemen from XXXX XXXX and XXXX XXXX, Ladies and Gentlemen from CHASE, We, XXXX XXXX and XXXX XXXX, refer to our previous correspondence ( See attached corespondence with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). We are acting in our capacity as President Commissaries, and 100 % Proxy-Hoder and CIO ( Chief Investment Officer ) from XXXX XXXXXXXX XXXX XXXX. Therefore among others, it has to be noted, that CHASE and its subsidiaries in the role of remittancebank illegally did transfer from our deposit-accounts in XXXX XXXX ( XXXX ) XXXX via XXXX XXXX XXXX to XXXX XXXX XXXX an amount of USD XXXX XXXX ( please compare again belove attached clearing document ( mr XXXX XXXX XXXX PAGE ), which was sent to CHASE by FDIC and by CFPB, but which questionnaire remained unanswered ). Disposition ( s ) about our assets took place without XXXX XXXX XXXX INVESTASIs knowledge and consent. This money was stolen from our account in XXXX XXXX ( XXXX ) XXXX and further on was illegally used by JP Morgan XXXX ( whereby deposits are insured with FDIC and registered with SEC US ). In connex with proceeds realized via stock-market by XXXX XXXX in cooperation with XXXX XXXX XXXX ( USD XXXX XXXX-Please see attachment belove again XXXX dbag XXXX ) from traded deposits of XXXX XXXXXXXX XXXX XXXX, CHASE has received prospects and authentificated transaction by XXXX XXXX ( XXXX XXXX XXXX ) including all the details and registered with SEC US in a volume of XXXX XXXX USD. In XX/XX/XXXX bank -statments from XXXX XXXX ( in total were collected more then USD XXXX XXXX from assets of XXXX XXXX XXXX ) were falsified and registered under the name of XXXX XXXX who again was not informed about. From XXXX XXXX per XXXX to XXXX XXXX XXXX XXXX then was confirmed, that suche transfers was provided for a certain beneficiary company for TRADING ( compare : XXXX XXXX XXXX -statements and Agreements which was sent among others to the US competent authorities FDIC , SEC US , CFPB and FED US and to competent international prosecutors in XXXX XXXX XXXX and XXXX in regard with investigations and prosecutions against involved XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX in International Criminal Organized Bank Cartel and abuse the assets of our company XXXX XXXX XXXX ( Please see above attachment XXXX XXXX XXXX XXXX XXXX XXXX )! As it can be seen from previous correspondence, XXXX XXXX did not want to cooperate with us. In the meantime it came up, that there are massive irregularities related to the business relationship between XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and other international banks, this over many years. Our assets are based on the deposits held at XXXX XXXX XXXX and XXXX, XXXX and its subsidiary ( among others see attachments our mentioned assets registered with SEC US and insured with FDIC ), which were denominated in XXXX and have been used, among others, as collateral for credit lines opened at XXXX XXXX XXXX ( Please see attachment MKB 1 ( 1 ) .pdf ( 397 KB ). Once these credit lines have been opened, XXXX XXXX XXXX has given various assessments to other international banks where these investments exist until today. Interest and income were also assessed on a resurgent basis. But after original investments via XXXX XXXX XXXX have come to an end, we are prevented from accessing our assets. We are now editing individual banks in which such investments are deposited in the name of PT. XXXX XXXX XXXX / XXXX XXXX. We provide you with appropriate information related to investments of PT. XXXX XXXX XXXX at XXXX XXXX, in which connex an essential role plays SEC, as among others - XXXX American Depositary Shares are filed with the U.S. Securities and Exchange Commission on XX/XX/XXXX ( Registration Nr. XXXX and that the role of CUSTODY has XXXX XXXX ). Enclosed you find respective correspondences and prospectus. Further there are XXXX XXXX Dynamic Proportion Portfolio Notes ( date of prospectus 6. XX/XX/XXXX ). An excerpt ( pages 80 86 ) from respective prospectus you find enclosed, where you also will find the role of XXXX. XXXX XXXX XXXX. The name XXXX applies to the abbreviation of XXXX. XXXX XXXX XXXX at XXXX XXXX XXXX, but the real investor XXXX. XXXX XXXX XXXX here apparently has been tried to disguise and it has been tried to push forward a company with virtually identical /similar name as a PXXXX XXXX called XXXX XXXXXXXX XXXX XXXX ( XXXX ) ltd.. But such a company was never officially registered under this name (! ). Such dubious circumstances are in an urgent need of clarification. In our annexes you will also find part of the correspondence, prospectuses, etc. collected since XXXX. Direct corespondences with XXXX XXXX ( among others with XXXX XXXX XXXX ) remained inconclusive. In XXXX we also have contacted competent French supervisory authority XXXX among others via our legal department. First XXXX XXXX XXXX / XXXX seemed to be cooperative, but then XXXX XXXX / XXXX ( her superiors ) did not give us any valuable information and apparently had great interest in completing further contacts between XXXX. XXXX XXXX XXXX and XXXX. In the end, until now there was no result to get information from XXXX XXXX and from XXXX why we have not been able to realize even a single dollar of our XXXX XXXX assets (! ). PT. XXXX XXXX XXXX assets at XXXX XXXX consist of ( please see enclosed ) : a ) XXXX XXXX ADRs ; b ) XXXX XXXX Linked Dynamic Proportion Portfolio Notes ; c ) Possibly other assets, which have been concealed to us so far ; INFORMATION TABLE The provisions of this Information Table set out below ( save for Part 4 ( Fees ), Part 5 ( Performance Swap Information ) and Part 6 ( Administrative and Settlement Data ) ) will be endorsed upon, or attached to, each Global Note and Note Certificate. Part 1 Issue Amount and Redemption Date Class Initial Issue Amount Redemption Date Principal Protection Ratio Issue Date Class E-5GC Up to EUR XXXX XX/XX/XXXX 85 % XX/XX/XXXX The class of Notes specified above is a " Class '' of Notes. 1. Distribution fees and other costs of issuance in relation to each Class of Notes are met by the Swap Counterparty on behalf of the Issuer in consideration for a debit to the applicable Notional Cash Account as described in the section of this Prospectus entitled " The Performance Swaps ''. The Swap Counterparty will make payment of such distribution fees to the Sole Distributor. 2. The Issue Date and Redemption Date may be subject to adjustment. Any such adjustment will be the subject of an announcement on the website of the XXXX Stock Exchange ( XXXX ) and on the website of the XXXX Stock Exchange ( XXXX ). Part 2 Coupons Notes Coupon Payment Dates Day Count Fraction Guaranteed Coupon Rate Class E-5GC Each date falling on the expiry of each six month period from the Issue Date, up to and including the Redemption Date XXXX 0.25 % Part 3 General Business Day Centres : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX Issue Price : 100 per cent. Series Number : XXXX " XXXX XXXX '' ( See Page 17 ) Part 4 Fees Notes Senior Management Fee Rate Junior Management Fee Proportion Gap Risk Payment Rate Target Rate Class E-5GC 0.80 % 20 % 0.80 % 3 month EURIBOR plus 230bps Part 5 Performance Swap Information Notes Currency Limit Liquidity Event Threshold Class E-5GC 2.00 % 2.00 % Eligible Currency : USD, EUR, GBP, JPY Part 6 Administrative and Settlement Data Notes Specified Denomination Tradeable Amount ISIN Common Code VP code Class E5GC EUR XXXX EUR XXXX and integral multiples of EUR XXXX thereafter XXXX, XXXX, XXXX See paragraph 3.1 of the section of this Prospectus headed " Summary of the Portofolio. It can be assumed that XXXX XXXX XXXX, which still withholds crucial information and codes, has intervened with XXXX XXXX, possibly also with XXXX, so that the business relationship between XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX could not be discovered by way of XXXX XXXX. There is urgent suspect, that XXXX XXXX and XXXX XXXX was and is acting with an aim of misusing assets from XXXX. XXXX XXXX XXXX and improperly enriching itself and / or third parties ( clients and/or business-partners ). According to our investigations XXXX XXXX is responsible for illegal and criminal steps by falsification of prospects related to our investments. The facts of investment ( s ) of PT. XXXX XXXX XXXX in XXXX XXXX are out of question and are evident from prospectuses registered with SEC US ( see XXXX ( 43 KB ), filed with US SEC on XXXX XXXX, Registration XXXX ). In both prospects from the beginning are containing general text and date of ISSUE 6. XX/XX/XXXX ( in total 117 pages ), compare prospectuses ( XXXX Prospectus.pdf ( 963 KB ) and XXXX XXXX Credit-Linked Dynamic Proportion % XXXX ( 1 ) .pdf ( 756 KB ). QUOTE PROSPECTUS XXXX XXXX ( the " Issuer '' ) ( incorporated in XXXX ) issue of " XXXX XXXX '' Dynamic Proportion Portfolio Notes ( the " Notes '' ) This Prospectus constitutes a prospectus for the purposes of Article 5.3 of Directive XXXX ( the " Prospectus Directive '' ) as implemented in XXXX by the Prospectus ( Directive XXXX ) Regulations XXXX and has been prepared, amongst other things, for the purpose of giving information with regard to the Issuer and the Notes. Application will be made to the XXXX Financial Services Regulatory Authority ( the " XXXX '' ), as competent authority under the Prospectus Directive, for this Prospectus to be approved. Such approval will relate only to Notes which are to be admitted to trading on the regulated market of the XXXX Stock Exchange or other regulated markets for the purposes of Directive XXXX or which are to be offered to the public in any Member State of the XXXX XXXX XXXX. Application will be made to the XXXX Stock Exchange for Notes issued to be admitted to the Official List and trading on its regulated market. Application will additionally be made to XXXX XXXX for some or all of the Classes of Notes to be admitted to trading on its regulated market ( on the basis of the approval of the XXXX referred to above ). No assurances can be given that such listing and admission to trading will be approved. Any investment in Notes does not have the status of a deposit and will not have the benefit of the deposit protection scheme operated by the XXXX. The Issuer will not be regulated by the IFSRA by virtue of the issue of Notes. The Notes will be offered for sale to the public in XXXX, XXXX, the Kingdom of XXXX and the Kingdom of XXXX during a subscription period from ( and including ) XXXX XX/XX/XXXX to ( and including ) XXXX XX/XX/XXXX, provided that the relevant regulatory approvals have been granted. Such subscription period is subject to adjustment by or on behalf of the Issuer ( and for the avoidance of doubt, no supplement to this XXXX will be published in relation thereto ). The total number of Notes and the Classes of Notes to be issued will be determined based on market demand for the Notes during the subscription period together with market conditions at the end of the subscription period and will be made available on the website of the XXXX Stock Exchange ( XXXX ) on or around the last day of the subscription period ( and for the avoidance of doubt, no supplement to this Prospectus will be published in relation thereto and such information will be in the form of an announcement in accordance with Article 8 of the Prospectus Directive and the XXXX will be notified of such information and dealing in the Notes may begin before such information is made available ). The XXXX has been requested to provide the competent authorities in XXXX, XXXX, the Kingdom of XXXX and the Kingdom of XXXX for the purposes of the Prospectus Directive with a certificate of approval attesting that the Prospectus has been drawn up in accordance with the Prospectus Directive. Further requests may be made in the future to the competent authorities in other jurisdictions. THE NOTES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE SECURITIES ACT AND, MAY NOT BE OFFERED, SOLD OR DELIVERED WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS ( AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT ). THE ISSUER HAS NOT BEEN NOR WILL BE REGISTERED UNDER THE INVESTMENT COMPANY ACT. Arranger : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sole Distributor XXXX XXXX The date of this Prospectus is XXXX XX/XX/XXXX UNQUOTE BUT : Note Difference in the text starts in prospectus A ( XXXX Prospectus.pdf ( XXXX KB ) on PAGE 1 below where are the following DATA DETAILS evident : / XXXX XXXX XXXX XXXX and further , among others on PAGES XXXX XXXX : QUOTE THE PORTFOLIO MANAGER XXXX XXXX XXXX, XXXX, a XXXX corporation ( XXXX ), is a holding company which, through its subsidiaries, is engaged in a broad range of insurance and related activities in the United States and abroad. XXXX primary activities include both general and life insurance operations. Other significant activities include retirement services, financial services and asset management. XXXX XXXX XXXX ( XXXX ) comprises a group of international companies which provide investment advice and market asset management products and services to clients around the world. The XXXX XXXX will be XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX the Portfolio XXXX ), a private limited company incorporated under the laws of XXXX and XXXX, and authorized and regulated by the XXXX XXXX XXXX XXXX XXXX with permission to manage investments. XXXX. XXXX XXXX XXXX, a XXXX XXXX corporation and an investment advisor registered with the United States Securities and Exchange Commission, will provide subadvisor services to the Portfolio Manager. Each of the Portfolio Manager and XXXX. XXXX XXXX XXXX. are wholly-owned subsidiaries of XXXX. As of XX/XX/XXXX, XXXX managed approximately U.S. dollars XXXX XXXX of assets, of which approximately XXXX dollars XXXX XXXX related to XXXX affiliated assets ( including those managed by joint ventures and certain other JSXinvestment advisor subsidiaries, but not including assets sub-advised to third party managers ) and approximately U.S. dollars XXXX XXXX related to client assets.JSX manages more than U.S. dollars XXXX XXXX in fixed income investments. JSXs managed fixed income investments include investment grade bonds, high yield bonds, private investments, leveraged loans, municipal bonds and mortgage loans. XXXX presently has more than 2,000 employees worldwide. Personel Information regarding the background and experience of key personnel who are expected to be involved, directly or indirectly, in the selection and management of the XXXX XXXX XXXX is set out below. Such persons may not necessarily continue to be employed by XXXX for the entire term of the Portfolio Management Agreement and/or may not perform or continue to perform services in relation to the Global Reference Portfolio or the Portfolio Management Agreement. XXXX XXXX, Vice President, Senior Portfolio Manager, XXXX XXXX and XXXX XXXX XXXX joined XXXX in XXXX and is a Senior Portfolio Manager responsible for managing credit derivatives, synthetic CDOs, and preferred stock portfolios. Since joining, XXXX XXXX has been involved in building XXXX 's credit derivatives portfolio. Prior to AIGGIG, XXXX XXXX worked with XXXX as a Corporate Bond Strategist. His responsibilities there included developing quantitative and relative value tools, portfolio strategy, credit derivatives, and risk management. Prior to XXXX, he was at XXXX XXXX in their XXXX XXXX XXXX XXXX. Prior to that, he worked as a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX received an XXXX in XXXX from XXXX University of XXXX XXXX and a XXXX in XXXX from XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX, Vice President, Senior Credit Analyst, High Grade Fixed Income XXXX XXXX joined XXXX in XXXX. He is primarily involved in high grade credit research and oversees the global consumer cyclical research team. In addition, he has regional sector responsibility for XXXX XXXX, building materials, and general industrials. Prior to this role, XXXX XXXX was a portfolio manager responsible for managing a range of XXXX and XXXX balance sheet and total return portfolios. Prior to joining XXXX, he worked as a portfolio manager in the XXXX XXXX XXXX subsidiary of XXXX XXXX XXXX XXXX. XXXX XXXX is a qualified Accountant and is an Associate Member of the XXXX XXXX XXXX XXXX XXXX ( XXXX ). He received a XXXX ( Honours ) in XXXX XXXX XXXX from XXXX XXXX XXXX and is an Associate Member of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX, Senior Managing Director, Head of Global Fixed Income XXXX XXXX joined XXXX with the acquisition of XXXX XXXX XXXX XXXX ( XXXX ) in XXXX and is responsible for XXXX 's Global Fixed Income operations. As Chief Investment Officer of XXXX since XXXX, XXXX XXXX was responsible for overseeing all aspects of AGIMs business. Prior to AGIM in XXXX, XXXX XXXX served as Vice Chairman, General Counsel, and Chief Investment Officer of XXXX XXXX XXXX, a U.S. dollars XXXX XXXX annuity company, based in XXXX, XXXX. XXXX XXXX began his career at XXXX XXXX XXXX in XXXX. After two years with the firm, XXXX XXXX moved to XXXX XXXX XXXX, XXXX. where he was a partner in the corporate finance and securities section of the firm. XXXX XXXX received an XXXX ( cum laude ) in XXXX from XXXX University and a XXXX from XXXX University XXXX XXXX. He is also a member of XXXX XXXX XXXX. XXXX XXXX, Vice President & Senior Investment Manager, Emerging Markets Fixed Income XXXX XXXX joined XXXX in XXXX as a Senior Investment Manager contributing to the Emerging Market Bond Team. He focuses on portfolio management of local currency debt as well as sovereign debt. XXXX XXXX was previously the London-based emerging market currency strategist for an affiliate, XXXX XXXX XXXX. XXXX XXXX began his investment career when he joined the XXXX member companies in XXXX, following roles at the XXXX for XXXX, the XXXX XXXX, and the Permanent Representation of XXXX to the XXXX XXXX. He received a degree in XXXX from the University XXXX XXXX and a XXXX in XXXX of the XXXX XXXX from the University of XXXX. XXXX XXXX, Managing Director, Co-Head of High Yield ( Please see public Article ... .. ) XXXX XXXX XXXX XXXX as Head of High Yield Research in 2001 with the acquisition of XXXX XXXX XXXX XXXX became a high yield Portfolio Manager for XXXX in XX/XX/XXXX and Co-Head of High Yield in XXXX. At AGIM, XXXX XXXX served as the media/communications group head. XXXX XXXX was with XXXX XXXX of California where he most recently served as Vice President covering the media and communications sectors. Prior to that, XXXX XXXX served as Vice President in the media and communications groups of XXXX XXXX and XXXX XXXX. He also worked as an associate in corporate finance at XXXX XXXX XXXX XXXX. XXXX XXXX began his career in the audit division of XXXX XXXX XXXX XXXX He received a XXXX, summa cum laude, in XXXX from XXXX, and an XXXX from the University of XXXX, XXXX. He is a member of XXXX XXXX XXXX. XXXX XXXX, Managing Director, Head of High Grade Corporate Bond Trading XXXX XXXX joined XXXX in XXXX and is a Managing Director and Head of High Grade Corporate Trading, overseeing trading for both the XXXX XXXX and XXXX trading desks. XXXX XXXX also is responsible for trading U.S. corporate bond and credit derivative markets for the airlines, autos, energy, and REITs sectors. Since joining XXXX, XXXX XXXX has been involved in integrating trading teams from both XXXX and XXXX XXXX, as well as the high grade team in XXXX. Prior to joining XXXX, XXXX XXXX was a Fixed Income Trader and Portfolio Manager for XXXX XXXX and a Management Associate with XXXX XXXX XXXX. XXXX XXXX received a XXXX in XXXX XXXX XXXX from XXXX XXXX. XXXX XXXX, Managing Director, Head of XXXX XXXX Debt XXXX XXXX joined XXXX in XXXX and is Head of Emerging Markets Debt. He is responsible for the portfolio management of emerging sovereign strategies in hard and local currencies and credit default swaps for internal and non-affiliated clients. Prior to his current position and responsibilities at XXXX, his responsibilities included portfolio management of single currency U.S. Dollar, Sterling, and Irish Punt portfolios as well as global bond portfolios. XXXX XXXX is a member of the Fixed Income Asset Allocation Team and also represents emerging markets debt in the Global Asset Allocation Committee meetings. He received a XXXX ( Honours ) in XXXX XXXX XXXX from the University of XXXX. XXXX XXXX, Vice President, Trader, High Grade Fixed Income XXXX XXXX joined XXXX in XX/XX/XXXX and is currently based in XXXX XXXX, and is responsible for trading dollars in the following sectors : Aerospace/Defense, Healthcare, Homebuilders, Hotels, Gaming, Consumer Products, Retail and Supermarkets. XXXX XXXX was based in XXXX from XX/XX/XXXX to XXXX of XXXX, where he traded dollars, euros and sterling in the following sectors : Autos, XXXX Chemicals, Metals, Supermarkets, Retail, Sovereigns, Supranationals, U.S. treasuries and U.S. agencies. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX was based in XXXX XXXX and traded Consumer Products, Defence, Banks, Brokers, Healthcare, Sovereigns, Supranational, Agencies, other services and all floating rate paper. Upon joining XXXX, he worked in the Systems Department as a Front Office Systems Analyst where he implemented several different fixed income and equity analytical systems. Prior to joining XXXX, XXXX XXXX was a Senior Pricing Analyst at XXXX XXXX XXXX. He received a XXXX in XXXX XXXX and a Minor in Economics from the University of XXXX XXXX. He holds Series 7 and 63 licenses and the XXXX XXXX XXXX. XXXX XXXX, Fixed Income Trader, Investment Grade Fixed Income XXXX XXXX joined XXXX in XXXX and is a member for the XXXX High Grade team trading Financials, Utilities, Defence, Pharmaceuticals, and Consumer Products in both cash and CDS. Prior to joining XXXX, XXXX XXXX was an underwriting trainee at XXXX. He received a XXXX in XXXX from XXXX University. XXXX XXXX, Managing Director, Head of Fixed Income Trading Desk, XXXX XXXX XXXX joined XXXX in XXXX and is the Head of Fixed Income Trading in XXXX. His responsibilities include trading corporate bonds and credit default swaps within balance sheet and total return portfolios. XXXX XXXX also manages three other traders in the XXXX office and is the dedicated emerging market trader focusing on both hard currency and local government markets. Previously, XXXX XXXX was at XXXX XXXX XXXX, most recently as a Fixed Income XXXX. Prior to XXXX, he was employed by XXXX XXXX XXXX XXXX and XXXX XXXX Overseas Division in different capacities in the money market area. XXXX XXXX received his Investment Management Certificate and completed the Security and Financial Derivatives Examination. XXXX XXXX, XXXX, Vice President, Investment XXXX, Fixed Income Investment Grade XXXX XXXX joined XXXX in XXXX as a Fixed Income Investment XXXX. Her primary responsibility includes managing single currency portfolios with a credit bias. She began her career as an Investment Manager for XXXX XXXX XXXX on the XXXX XXXX XXXX team specializing in XXXX credit portfolios. XXXX XXXX graduated from XXXX University with a XXXX degree in XXXX. She has completed the XXXX XXXX XXXX and XXXX. XXXX XXXX is a member of the XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). She is a CFA charterholder. XXXX XXXX, Chief Credit Officer, Global Fixed Income XXXX XXXX joined XXXX in XXXX and is the Chief Credit Officer for Global Fixed Income with responsibilities that span various asset classes and geographies. He also chairs XXXX XXXX XXXX XXXX. Prior to his current duties, XXXX XXXX served as Managing Director of High Grade Fixed Income Research, where he oversaw a team of 16 investment professionals responsible for over U.S. dollars XXXX XXXX in assets. Prior to joining XXXX, XXXX XXXX worked for New York XXXX XXXX XXXX for 12 years, serving as an analyst covering various industry sectors, then as a manager in various credit functions. Previously, he worked in the Controller 's Department of XXXX XXXX XXXXXXXX for 6 years where he focused on investment accounting, mergers and acquisitions, competitive analysis and strategic planning. XXXX XXXX is a member of the XXXX XXXX Society of Security Analysts and has served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where he remains a member. He holds an XXXX in XXXX from XXXX XXXX University 's XXXX XXXX XXXX XXXX and a XXXX in XXXX from XXXX University. XXXX XXXX, XXXX, Managing Director, Fixed Income Capital Markets of XXXX XXXX XXXX is responsible for XXXX Matched Investment Program, as well as coordinating XXXX other fixed income capital markets initiatives. XXXX XXXX is also responsible for overseeing XXXX Structured Credit business including investments in third-party-managed CDO transactions and issuance of XXXX XXXX transactions. XXXX XXXX held a similar position at XXXX where she also directed the firms investments in asset-backed and commercial mortgage-backed securities. XXXX XXXX joined XXXX with the acquisition of XXXX in XXXX, and XXXX XXXX in XXXX as a member of the real estate group. Her prior experience was in real estate banking. XXXX XXXX earned a BA degree in sociology and an XXXX degree in XXXX from the University of XXXX at XXXX. XXXX XXXX is a CFA charterholder. XXXX XXXX XXXX, CFA, Vice President, High Yield Trader, XXXX XXXX XXXX XXXX XXXX rejoined XXXX XXXX High Yield Team in XXXX. XXXX XXXX was a high yield portfolio manager with XXXX XXXX XXXX. Over the ten years that he has been associated with XXXX, XXXX XXXX had been involved in many different aspects of the companys financial business including systems, marketing services, securities accounting, portfolio forecasting and analysis and, beginning in XXXX, high yield trading. Prior to joining XXXX in XXXX, XXXX XXXX was a municipal bond trader with XXXX XXXX, XXXX and a financial analyst and trader for XXXX XXXX XXXX XXXX XXXX. He received a BS in Finance from the University of XXXX in XXXX and an XXXX in XXXX from XXXX University in XXXX. He is a XXXX charterholder. XXXX XXXX, Vice President, Senior Investment XXXX XXXX XXXX joined XXXX in XXXX and is a Vice President and Senior Investment Manager responsible for interest rate and currency and credit risk on both multi-currency and single currency bond portfolios. Since joining XXXX, he has been in charge of initiating both XXXX and XXXX XXXX products. XXXX XXXX industry experience began in XXXX at JP Morgan Investment Management where he was responsible for managing single and multi-currency bond portfolios on behalf of pension funds and private clients. During his 11 years at JP Morgan, XXXX XXXX undertook positions in capital markets research, fixed income trading and portfolio management focusing on risk management techniques, use of derivatives and macro economic analysis. XXXX XXXX holds a BSc degree ( honours ) in XXXX XXXX XXXX from the University of XXXX. He holds the IMC and is registered as a holder of the CFTC Series 3 qualification. XXXX XXXX, XXXX, Vice President, Structured Credit XXXX XXXX joined XXXX in XXXX. XXXX XXXX invests in and manages a portfolio of third-partymanaged CDO transactions and assists in the issuance of XXXX XXXX transactions. Previously, XXXX XXXX was employed at XXXX, where she was responsible for recommending investments in the XXXX sector and was the analyst for the XXXX portfolio. In addition, XXXX XXXX was part of the management team for two TIAA-managed CDOs backed by structured finance securities. XXXX XXXX has a XXXX in XXXX ( magna cum laude ) from XXXX University and an XXXX in XXXX from XXXX XXXX University, XXXX XXXX XXXX XXXX. XXXX XXXX is a XXXX charterholder. XXXX XXXX, Managing Director, High Grade Research XXXX XXXX XXXX joined XXXX in XXXX as a XXXX XXXX XXXX covering financial institutions. In XX/XX/XXXX, he became Director of High Grade Research, and is responsible for managing a group of XXXX XXXX XXXX | ||||||
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX Attn : XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. JPMCB CARD SERVICE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX, XXXX Fl. XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX/AMAZON PLCC XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the XXXX XXXX XXXX XXXX if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB XXXX Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( XXXX XXXX XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( XXXX XXXX XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
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| To : Federal Reserve Bank of New York XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Email : XXXX Subject : This is an official request for assistance to solve problem with Chase bank Dear Sir/Madam , My name is XXXX XXXX ; a client of Chase bank. I am writing to bring to your attention an issue I recently experienced with my funds being transferred to a fraudulent and illegal destination under the name of XXXX XXXX XXXX XXXX XXXX XXXX The person responsible is XXXX XXXX, and I have lost XXXX USD as a result. I am writing to you after i failed to solve this issue with my bank I am writing this letter for you to help me to dispute the recent denial of refunds for multiple transactions from my account XXXX with Chase Bank XXXX The transactions, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for amounts of XXXX, XXXX, XXXX, and XXXX respectively, were authorized by me and I have been informed that they have been blocked by receiving bank due to fraudulent activity. I request the Federal Reserve Bank of New York to look into this matter and to assist me in getting a full refund for these transactions. I would like to bring to your attention that I did not engage in any fraudulent activity and I have been a responsible account holder with Chase Bank. I was informed by Chase Bank that the debits have been denied by the receiving bank and the funds can not be recovered for return. The account has been blocked for fraudulent activity and the case has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX. The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, To : Federal Reserve Bank of New York XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Email : XXXX Subject : This is an official request for assistance to solve problem with Chase bank Dear Sir/Madam , My name is XXXX XXXX ; a client of Chase bank. I am writing to bring to your attention an issue I recently experienced with my funds being transferred to a fraudulent and illegal destination under the name of XXXX XXXX XXXX XXXX XXXX XXXX The person responsible is XXXX XXXX, and I have lost XXXX USD as a result. I am writing to you after i failed to solve this issue with my bank I am writing this letter for you to help me to dispute the recent denial of refunds for multiple transactions from my account XXXX with Chase Bank XXXX The transactions, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for amounts of XXXX, XXXX, XXXX, and XXXX respectively, were authorized by me and I have been informed that they have been blocked by receiving bank due to fraudulent activity. I request the Federal Reserve Bank of New York to look into this matter and to assist me in getting a full refund for these transactions. I would like to bring to your attention that I did not engage in any fraudulent activity and I have been a responsible account holder with Chase Bank. I was informed by Chase Bank that the debits have been denied by the receiving bank and the funds can not be recovered for return. The account has been blocked for fraudulent activity and the case has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX, NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX. The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXXXXXX XXXXy ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has been closed. I strongly disagree with this decision and request a refund for the mentioned transactions I am providing you with the transaction reference numbers and XXXX XXXX for your records : XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, Transaction Reference Number XXXX, XXXX XXXX XXXX I believe that if Chase Bank had followed its own terms and services, as outlined in the online privacy policy, this situation could have been avoided. I would like to remind you of your own terms and services, which state that a transfer of that amount should have been a red flag and warrant a call to inform me of any suspicious activity. Despite being a loyal customer of Chase Bank for a long time, I did not receive any warnings or calls, and only received an email confirmation of an investigation on XX/XX/XXXX with reference number XXXX. I have been frustrated by the lack of communication and updates on my case, even after faxing the request on the same day. This lack of customer care is concerning, and I hope that Chase Bank will assume responsibility for its mistake and act promptly to resolve this issue. I would like to request a full refund of my lost amount of XXXX USD. I have had the deepest trust in Chase Bank, but if this issue is not resolved, I may have to take the initiative to bring it to the attention of The OCC and The US Department of the Treasury for failure to protect and communicate with clients. I would appreciate your prompt attention to this matter and I look forward to your response. I hope to continue as a client of Chase Bank and receive the services I deserve. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Attached are letters I sent to Chase bank To : Chase Bank XXXX XXXX XXXXXXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam My name is XXXX XXXX ; I am a client of your bank and I am writing to you raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX XXXX XXXX The persons name is XXXX XXXX. In total I lost XXXX out of my pocket, this unfortunate even happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. On XX/XX/XXXX. I received an email confirmation from you that you had started working on my case with the reference number : XXXX. I was told to fax the request which I did on the same day, I requested an update regarding my case but got no response from your side, even though all reasonable time frame has already gone by, All this lack of communication is very discouraging, I have been a loyal customer of Chase bank, but I am left to feel that I do not deserve any customer care or attention from you, first of all how come the bank that I have been using for so long did not warn me about these kinds of situations and secondly, even after giving me a reference number, you are avoiding communication with me and refusing to update me about what stage the investigation is at. I had the deepest trust in Chase Bank and I hope that you will not shift liability, and assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without me taking the initiative to go to The OCC and The US Department of the Treasury complaining about your failure to protect your clients and neglecting them in communication. So, I am still asking you to refund my full lost amount of XXXX. Sincerely, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX To : CHASE BANK. XXXX XXXX XXXXXXXX XXXX XXXX NY Subject : This is an official request of a charge back Sir/Madam My name is XXXX XXXX , I am a client of your bank and I am writing to you to raise your awareness regarding an issue that I lately had with my funds which have been transferred to some fraudulent and illegal destination XXXX XXXX XXXX XXXX XXXX The person 's name is XXXX XXXX. In total I lost XXXX USD out of my pocket. This unfortunate event happened on XX/XX/XXXX. ( I have more pictures and statements but for now these images should be enough to get my point across ) Let me explain in detail how everything happened : At first, I was contacted by XXXX on XXXX she introduced herself as an investor and trader, she showed me some of the basics of what she was doing and how she was earning passive income, by lies and manipulation she convinced me to invest and after that she enrolled me into a seven day pledge, all I had to do was put in some amount and after that my investments would double. She made me transfer my funds from my bank to XXXX and from there to their wallet address on XXXX. The reason why I am coming to you with a request to refund the full amount is because. You claim to collect information about your customers and monitor their transactions. I want to point your attention to your own terms and services found on the link ( XXXX XXXX XXXX XXXX ) If you had followed your own terms you would have known that a transfer of that quantity was a first for me. And you would also know that before this incident I have never made any transfers to XXXX, all of these factors should have arisen suspicion on your side, if you had acted at a correct time and gave me a call to inform me of such fraudulent activities this situation could have been avoided. But No, I received no warnings from you. Because of this I feel very discouraged and lost. My financial situation is in ruins. And most importantly I feel betrayed. How come the bank that I have been using for so long did not inform me of these kinds of situations. Thats why I am coming to you with this OFFICIAL REQUEST TO REFUND my full amount, XXXX Either you claim it from the beneficiary bank where you allowed my money to go or you reimburse me from your own pool, because as a bank you are responsible to protect your clients funds. I hope that you will not shift liability, and you assume the consequences of your mistake. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX Second letter -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX NY Subject : Official request for a refund Sir/Madam, On XX/XX/XXXX I sent you a letter stating my case about being defrauded, but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Please, contact me as soon as possible. Best regards, XX/XX/XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX | ||||||
| 08/11/2017 | Yes |
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| NOTICE - MOST IMPORTANT - XXXX XXXX Trustee has contradicted the fact that JPMorgan Chase Bank claims of being the investor and or having such investing information from XXXX XXXX XXXX d.b.a XXXX XXXX XXXX whom where forced out of business XX/XX/XXXX - XX/XX/XXXX by the California Corporations Commissioner. More over how was our personal identity stolen from banks involved? XXXX XXXX XXXX and XXXX XXXX former employees of XXXX XXXX XXXX XXXX XXXX is alleged to be formerly of XXXX XXXX XXXX XXXX IL.Both are employees currently with JPMorgan Chase Bank USA NA and Co. When we spoke with XXXX XXXX concerning their position within this mortgage assignment fraud, fraud no contract, fraud inclusion, and fraud in the concealment, they XXXX XXXX representative stated that they are only the TRUST of the Trust and JPMorgan Chase Bank the SERVICER of alleged mortgage assignment has the information of the alleged investor XXXX or XXXXXX/XX/XXXXHE which of the two are relevant seems to be the case here! See attachments. Attempts to seek a resolution with SERVICER JPMorgan Chase Bank whom fraudulently claims there is a Mortgage and a alleged investor without proof has been going on since XX/XX/XXXX, well after the Payoff of EMC has taken placeXX/XX/XXXX As well XX/XX/XXXXa payment in form of MONEY ORDER shall be submitted to JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA [ XXXX ] XXXX to make a final attempt to settle this debt. If the Fraudulent Mortgage Assignment is not removed we shall pursue legal action within the proper jurisdictions agains all banks involved and personnel. XX/XX/XXXX 1 BOND XXXX Notice the Hall Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XX/XX/XXXX recordedXX/XX/XXXX with the LA County Registrar. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE! t is believed that this loan was created inXX/XX/XXXXthereafter XXXX XXXX XXXX obtained investments within the XXXX XXXX XXXX XXXX XXXX Which is now or have been acquired by JPMorgan Chase NA as of the yearXX/XX/XXXX The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for XXXX? As well the Beneficiary and Nominee for XXXX XXXX/ WaMu address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XX/XX/XXXX and had paid XXXX XXXX XXXX XXXX XXXX to record it with XXXX XXXX County Recorder Registrar onXX/XX/XXXX. Ten ( 10 ) years after the alleged acquisition of WaMu/JPMorgan Chase Bank well after again 10-12 years after XXXX XXXX was no longer in business within said county of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XX/XX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX County Registrar office. This was the first time the XXXX made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. Now was any permission given for anyone to record such documents on the halls behalf during such time. It is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XX/XX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed. Since this alleged loan was created, to avoid and hide the investment funds XXXX XXXX was CUSIP Number CUSIP # XXXX worth $ XXXXMillion maturity dateXX/XX/XXXX, originated XX/XX/XXXX. The final maturity date for this investment is XX/XX/XXXX. Therefore XXXX XXXX XXXX [ XXXX XXXX ] owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of CUSIP NUMBER CUSIP # XXXX. This is the issue at hand. More over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people. The fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX XXXX XXXX dba XXXX XXXX XXXX thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XX/XX/XXXXa letter sent XX/XX/XXXX, and again inXX/XX/XXXXin form of another letter this year XX/XX/XXXX. 2 BOND XXXX Bill Of Exchange Act 34 of 1964 [ Assented to XX/XX/XXXX1964 ] [ Date Of Commencement : XX/XX/XXXX 1964 ] ( XXXX text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes. Attn. XXXX XXXX XXXX homeowner liaison XXXX XXXX XXXX and XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX etc, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XX/XX/XXXX and agains in Michigan via Delaware as of XX/XX/XXXX? XXXX XXXX XXXXXX/XX/XXXX company type is XXXX XXXX. Company Number assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX You can find this business by geo coordinates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time. XXXX XXXX XXXX was incorporated on Monday XX/XX/XXXX, so this company age is twelve years, two months and twenty-eight days. Current company status of this company is Forfeited. XXXX XXXX XXXX agent is XXXX XXXX XXXX XXXX XXXX Of Md.. According to Maryland business register this business is not in good standing. Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime. 1. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation. 2. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party. 3. A copy of the actual accounting, original ledger whereby XXXX XXXX/ Department of Education has incurred a loss as a result of the alleged debt. 4. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged. 3 BOND XXXX 5. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978. The Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48. 6. Also provide these furt her items if associated with this matter in any fashion and or form ... A. Federal Reserve form S3 registration statement, B. Federal Reserve form 424 ( b ) ( 5 ) prospectus, C. Federal Reserve for FR 2046 balance sheet ( s ), D. Federal Reserve for FR 2049 balance sheet ( s ), E. Federal Reserve form 2099 balance sheet ( s ), F. The Deed Of Trust. G. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. U.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment. A. B. Presentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee. The following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made. By refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made 4 BOND XXXX pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws. Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company. Proof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent. It comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit. If you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith. Further during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so. It is further requested, and you are now given notice that any alleged or old contract ( s ) adhesion and or otherwise are hereby terminated with your company. That n communication via telephonic, email or the correspondence, written correspondence, and or electronic as such shall be had between your company XXXX XXXX US Dept Of Education and a client, you are hereby commanded and ordered to cease and desist. Your or your company must communicate via written correspondence only to the following address under the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] BOND XXXX The aforementioned was done at the will of the administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All payments shall be presented to the Estate via prepaid debit card and or money order cashiers check only if an attempt is made to provide payment in any other fashion and or form we must express that it must comply with title 12 USC 411, and 112 statue at age chapter 48. REF : Your correspondence purporting to allege a debt claimed by : XXXX XXXX XXXX d.b.a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] EIN? BOND Loan Number XXXX Alleged Balance {$460000.00} Attn. XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX XXXX, .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXXJPMorgan Chase Bank & Co NA attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX Attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] [ XXXX ] XXXX XXXX XXXX The legal offer to fully Discharge the attached alleged claim of debt on the condition that the claiming parties comply with this notice within 10 days of receipt of this correspondence such has not happened. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; 6 BOND XXXX The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; A copy of a alleged promissory note that has been forged is not verification. Both signatures from both sides are a true verification of a debt. The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt. The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. Be advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z. The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. The person that prepares and swears to the validation of debt must describe : ( 1 ) your job description on a daily basis ; ( 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; ( 3 ) how long have you been in your position ; ( 4 ) when did you first come in contact with the alleged account/debt ; ( 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; ( 6 ) are you the person/employee who regularly works with the alleged account/debt ; and ( 7 ) do you have personal knowledge about the alleged debt and/ or any alleged account. 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements 7 BOND XXXX of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 10 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names. TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to 8 BOND XXXX direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. As requested for payment ( s ) be in the form of a money order, in keeping with the governing regulations, laws, and loan agreements, this form of payment is expectable that which in the regarding format within laws and states regulate, as mentioned in the letter XX/XX/XXXX by or from XXXX XXXX Manager - Customer Care Communications, XXXX XXXX XXXX XXXX XXXX XXXX. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX Done this XX/XX/XXXX I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me. XXXX XXXX XXXX ChaseXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX-XXXX | ||||||
| 01/28/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or XXXX 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the XXXX scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ). SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
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| XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c XXXX Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 03/27/2019 | Yes |
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| I opened a credit card with Chase and was approved for their Amazon credit card in XXXX for the purposes of utilizing the rewards for purchases on the Amazon.com website. I frequently purchase items on Amazon and was attracted to this card for the 5 % rewards that were offered. I used the card VERY sparingly and was only buying amazon items and then sending in a payment to pay those items off. After receiving this card, I discovered that my now ex girlfriend had been stealing the card out of my wallet and making purchases without my knowledge and then returning the card to my wallet so it was not missing. At no time was she ever given permission to access my card nor was she ever an authorized user. She was simply my girlfriend at the time and we shared a residence. Our agreement was to pay the bills and split them evenly. She took care of the finances in our house, so she would tell me how much money to pay her each money to cover these expenses. After several months, I noticed that my credit cards, once being Chase, had numerous unauthorized charges and were items such as our power bill, cable billl, water bill, her cell phone, her car insurance and many many other items that were not authorized by myself. When confronted, she admitted to making the charges without my permission and stated she " just didn't have the money to pay those bills '' because she was spending the cash I provided her to pay those bills and used the card to cover her debts. I was very angry and threatened to report her to the police since she was using the cards without my permission. I gave her 30 days to pay them off in full or I would report her to the police. Naturally before the 30 days was over I calmed down and was able to speak to her in more open frame of mind. She explained she tried to borrow the money from her parents and they said it was her deception and wrongdoing and they weren't going to bail her out by giving her the money. She stated she tried to borrow money in other manners but could not get the funds. She asked me to allow her to simply make the payments and pay the card off, although, she could not do that within 30 days. She informed me that when she received her tax returns should could probably pay the entire amount off. This conversation occurred roughly 1 year after receiving the card before I discovered the fraud. I agreed to this arrangement for only a few reasons. # 1 we lived together and having her arrested would negatively impact me as much as her because I relied on part of her income to help pay the bills. # 2. We were dating and I would be having my own girlfriend locked up who I did care for romantically and we had been in a long term relationship which could possibly progress further # 3. I had supported her solely for 6 months while she was unable to work to attend XXXX school. I had invested a significant amount of time and effort to assist her getting into XXXX school as well as caring for her children while she attended classes and then also began working part time during the night to cover expenses. As a result, turning her in would have made her a felon and that would have stopped her from becoming a XXXX and would have wasted all of my effort to help her get where she was trying to improve herself. Also, if she was unable to become a XXXX due to a possible criminal record, it may be nearly impossible to pay off the credit cards which she had used without my permission and knowledge. At the time of this discovery, the balances of all 3 cards she was using without my consent was in the area of {$16000.00}. I agreed to let her pay monthly payment until the time she received her lump sum from a combination of school loan money and tax returns. The only problem is that when both the tax returns and student loan money came in months later, she had spent it, without paying as agreed, and then later told me she couldn't follow through. So she once again said not to worry, they will all be paid off within 12 months if I just gave her time. I agreed as I did not have much chose at that time and still believed she would handle the charges as promised. I later bought a home in XX/XX/XXXX and my girlfriend and her children moved in with me. It was on or about XX/XX/XXXX that I discovered she had still be using my credit cards, even though I had physically removed them from my home. I immediatly terminated the relationship due to this continued lack of trust and theft and kicked her out of my home. I started to pull together statements and verify information and found out my accounts totaled nearly 23k in credit card charges and she had been using my cards electronically. The now ex girlfriend showed me a notebook where she had copied down my full credit card numbers, expiration dates, security codes, full name, social, and birth date in order to continue to use these cards. She did not state that was the original reason for collecting this information. she stated she did that to be able to call in and make payments over the phone on my credit cards so the minimum payments were being made. I did not think about how she was making the payments towards the cards, but that the cards themselves were being paid. It now dawned on me that she had stolen my information and personal identity and was continuing to use that to verify information when using these cards electronically without physical access to these cards. This allowed her to continue top use the cards and keep me in the dark on the balances and still make the minimum payments to prevent any type of collection calls or letter to be sent to me. I demanded payment in full on these cards as a matter of restitution from the ex girlfriend after breaking off the relationship of 5 years. She informed me she would be happy to do this and was going to once again send me her school money in XXXX of XXXX which would be XXXX and estimated she would have another $ XXXX from her tax returns and then would have one final student disbursement that she could pay to me to mostly pay off the balances. She assured me she could pay the amounts off in 12 months and she would be a XXXX soon so that total would not be an issue with her newer higher paying job. I agreed only because she swore the money would be repaid and that allowed her to remain a XXXX with no legal action. The months came and went and no money was paid. I began to demand payment in full and near XXXX or XX/XX/XXXX she stated she had " changed her mind '' just as I had done in regards to our relationship and I could just do what I wanted as she had no intentions of paying anything any longer. She also informed me she had spoken to a lawyer previously in the year and he was prepared to defend her in the event I wanted to sue her. However, she also stated that he had determined that the statute of limitations had already expired the previous month and she was no longer liable in civil court and I could try and sue her, but nothing would come of the case. It then dawned on me the entire reasons for these delays was to buy more time to let this statute of limitations pass at the advice of her attorney before telling me she no longer intended to pay on them as promised. Although she had written up a " contract '' which was never signed agreeing to repay certain amounts of money she felt she owed, it was never executed or signed and therefore could not be enforced. I was furious and believed I was now fully responsible for these cards and she had left me responsible for all of her fraud and I would have to repay the amounts or face a judgement against me on my house which I had just purchased. I am barely surviving on the income I have and the {$700.00} minimum payments needed to be paid each month was crushing me financially. However, I was also mistakenly under the impression that I only had a time frame of 90 days to report the fraudulent charges are they were no longer able to be disputed on my behalf. Since the original fraudulent charge made on one credit card appeared to have occurred around XX/XX/XXXX with my XXXX XXXX, I believe I could no longer purse relief through the credit card companies. I began to shoulder all the payments of the minimums which was financially unbearable with a full mortgage to pay alone at {$880.00} per month, all utilities, a $ XXXX/mo student loan payment, and now an additional {$700.00} per month minimum credit card payment that was 2/3rds interest by the time the money was applied. This was unbearable and I feared I was going to lose my home over this fraudulent debt which I was saddled with. Finally in about XX/XX/XXXX I decided to go out on a limb and see if there was ANY alternative to assist me in paying off the credit cards. I was already completely broke with no savings and no furniture other than an air mattress for a bed because the ex had taken all of the furniture in my home since she owned it, including all blankets, pillows, even toiletries and left me with literally nothing. I had a plastic lawn chair as my only chair and the air mattress using borrowed blankets and pillows because I didn't have any extra money to purchase these basic items due to the credit card minimum payments. I was doing everything I could to survive, but the payments were too much burden on me to survive. I finally broke down and began to call the credit card companies involved including Chase, XXXX, and XXXX XXXX XXXX, I was overjoyed at first contact because all three cards informed me through their fraud department that I was NOT liable for charges I did not authorize and that were made by the ex. They stated my mistaken assumption of only having 90 days to report her fraud was incorrect and that they all had a zero fraud liability policy and they would make sure to remove those charges from my card and do a thorough fraud investigation on my behalf to hold her liable for her theft. I immediately began gathering evidence as requested by the fraud team members and provided statements with highlighted charges that were unauthorized on my cards. Within days of submitting these unauthorized charges, my accounts were being refunded and the charges were being taken off. Chase was the very first card to remove all charges from my account and I was at an approximately balance of negative {$10000.00}!!! I could not believe how any charges had been made by her over a 3 year period an discovered most of these charges were made by her in a shorter time frame of a year and a half due to the card only being open since XXXX. The negative balance was available to me to use as my refund and I was informed by a customer service operator that I could still use the card and any charges would come off as credited towards the negative balance. I was even told I could use the card to withdraw money as a " cash advance '' but would be limited to my limit of {$600.00}. As a result, I requested a PIN number to be sent to me so that I could withdraw some cash and pay bills such as rent and other utilities that had been crushing me financially for so long. I used some of the money to get basic necessities like stock up on my groceries and get food in my freezer, buy items from XXXX and XXXX XXXX, and pay my mortgage and light bill without being completely broke for the first time in a long time. I also used some of the money to buy into a few small investments that I could not touch. Unfortunately, during the month of XXXX, my card suddenly stopped working when I still had a balance of negative XXXX. When I called into card services, I was transferred a department that then transferred me to a supervisor without ever explaining to me why I had no use of my card. Finally the supervisor in the card services explained my card had been shut off for excessive use of my credit line and the card had been cancelled! I asked why this was even possible since Chase still owed me {$2500.00} for my REFUND of fraudulently charged items, payments, and interest which had accrued and that my balance was as low as negative XXXX! The gentleman on the phone took a few minutes to review my account and then stated he saw what I was referring to and it appeared someone had made a mistake and cancelled the card believing I was running up and excessive balance on my card, when in reality, he could see I was using my refunded credit amount. I told him how I was told I could simply use the card as normal until my negative balance was exhausted and was doing exactly what I was instructed to do. I was trying to get back my refunded money that was stuck on that card. The supervisor stated he understood and was going to submit a request for my account to have a " reconsideration '' to review the closure and that he would document that it was a misunderstanding and my account was not being excessively used other than to attempt to withdraw my refunded amount. He informed me the review process can take approximately 7 to 10 days, but to check back in a few more days. I did not check back on the status immediately, but instead, received a call on or about XX/XX/XXXX from a superior stating my card had been reviewed and they were reinstating my usage of the card. I had also previously asked what would become of my negative {$2500.00} when the card was " cancelled '' and was informed that they would wait 7 days and the company would send me the refunded credit as a check to ensure any pending charges were posted to my account. I thanked them for their help and waited to receive my check. Once my card was reinstated, I realized that they were not going to send the check since I now had access to the balance and there for used it to pull {$1500.00} off towards another small investment and would later request they company mail me a check for the remaining {$1000.00} which would leave the card with a balance of {$0.00}. I was finally stress free and realizing I could not get my furniture I so desperately needed and would not have to stress about how to buy food when I could barely afford my mortgage with these credit card payments. Unfortunately my happiness and excitement did not last long because I received another phone call Monday afternoon from a woman who identified herself as the fraud investigator assigned to my case. I can not remember the womans name, but I was given her contact information as XXXX, extension XXXX. This fraud investigator stated she had concluded " her '' investigation and decided that the charges reported were NOT FRAUD because my ex was " given access to these cards by me because she lived with me ''. I immediately stopped her and informed her that I had NEVER given her access and she was mistaken, someone obviously had made a mistake on the file. The investigator stated that she had NOT made any mistake, and that since the person who committed this fraud lived with me, she naturally would have had access to my cards by simply going into my dresser or wallet to take these cards and use them, even if I didn't give her permission to do so. After hearing this comment, I was LIVID with such as careless point of view that she was suggesting I was to blame for this fraud because simply LIVING with someone was enough grounds to determine they " might '' take your card some day and use it without your permission and put it back. As a result, by them living in your residence, it is now your fault even though we have NEVER been married and she was NEVER an authorized user on my card. This made no sense to me and I immediately told this supervisor I could not believe someone could steal a credit card from me, use it, and put it back and it was acceptable simply because she lived at my residence. This would mean that absolutely ANYONE who had a roommate or child, or even just a friend living with them would be exposed to this same credit card fraud because she is blaming the victim for someone living in their home! The investigator stated that " Well sir, we are a financial institution and we simply can not refund these charges because you allowed her to use them since she was living there and as a result she knew how to gain access to the cards. '' I wish that this phone conversation had not been as devastating as it was, but then the investigator continued to tell me she had more bad news. The investigator stated that Chase had " mistakenly double refunded the charges and as a result we are putting approximately {$13000.00} back on your card because we accidentally made a {$6000.00} mistake ''. I tried to stop her and ask for more of an explanation of HOW could this POSSIBLY HAPPEN! How can a financial institution make such a stupid error and tell me they made a {$6000.00} mistake and were telling me that they were now going to add this back onto my card along with all charges she whimsically decided to deny refunds on for a balance of {$13000.00} on a single credit card that only had a maximum credit limit of {$3500.00}!! This means that if she would follow through with this decision, the banks unforgivable mistake would end up making me look like I had a balance that exceeded my credit limit by over {$10000.00} and absolutely DESTROY my credit rating in the process! They would also be charging me the feels that would make withdrawing the money from the ATM 's as my refund appear to be cash advances at the rate of 27 % on top of 23 % for the fraudulent charges. The minimum payments on this card would absolutely bankrupt me and I was the victim of fraud! How could this even be acceptable for someone to be the victim of fraud, try to resolve the situation on behalf of the credit card companies by making payments and even trying to get thief to pay the funds back in full, and then victimize me a second time by taking all the money back, hitting me with THEIR {$6000.00} mistake because someone miscalculated and told me that money was mine to use, and then now want it back after it has been spent? All while I was promised in the beginning that these fraudulent charges would not be my responsibility from the very day I called! If I had known this is how terrible the service was and that the credit card companies could not even figure out how to do their own refunds properly without making any mistakes, I would never have opened the card to begin with. That way I could never have been victimized through the fraud by Chase and their guarantee that I had " zero fraud liability '' and was protected. That is apparently not true because their investigator simply wanted to find a way to blame ME for the charges when they could't find any other way to deny the claim, she would make a ridiculous conclusion that simply living with her negated the fraud and was now my responsibility. I did not receive these same statements from XXXX XXXX XXXX nor XXXX XXXX and XXXX lost FAR more money than Chase in the theft in the amount of nearly {$31000.00} alone. Yet, they have refunded the amounts and asked for affidavits of fraud and any assistance of criminal prosecution of my ex girl friend. Chase did not even so much as offer me an affidavit to sign for fraud and I have offered on numerous occasions to assist them with any criminal charges should they choose to pursue that avenue. I once again informed this same fraud investigator that I would be willing to assist with a criminal investigation to assist them as I was doing the same with XXXX card, yet she said to her this was entirely civil and they were not going to refund any money. She did not care that her decision was unfounded and had no compassion that her decision is going to wreck my financially and destroy my credit. So, I immediately told the investigator that I wanted this decision appealed to a supervisor for review as I did not feel her determination was one based on any factual reasoning that was a legitimate law or policy. She stated that she could try to get a supervisor on the phone but they were busy, or she could resubmit this case to a department but that they would need to do another full investigation. I told her that would be find as I knew that these charges were fraudulent and I would not allow her to call these unauthorized charges my responsibility based on her statement my ex-girlfriend could make those charges simply because she lived in the same house hold. Why would ANYONE ever need an authorized user card then? Apparently she believed you can just take someone's card behind their back and use it and it would be perfectly acceptable! So, I stated I wanted the review done on my decision and the account to be looked at by another person above her with more authority. I told her I wanted this account left alone since adding this XXXX back onto my card was an unfair burden on both me and my credit and that would cause me even further damage. The investigator simply stated that " The file will be submitted for review and further investigation '' and my full belief is she understood I was appealing her decision and asking for someone else to review this account and stay her reversal onto my card. I am now looking at my account today and realizing that this investigator did the exact opposite and I now have all charges put back onto my card with a balance of {$13000.00} with no available credit and over the limit by {$9500.00}!. My credit rating which was severely harmed from the fraudulent credit card charges will not be even FURTHER destroyed just as I began to recover. There is no possible way I can in good conscience make payments on charges I know are both fraud due to theft and also mistakes made by the same company that promised to protect me should this happen. Instead both parties are further harming me financially by making me liable for them and I am the victim! It is unimaginable to me to think any reputable company would be so callous, reckless, and irresponsible to the victim of a crime and then further harm them by claiming they " accidentally '' made a mistake of {$6000.00}! That is not MY fault that they made that mistake as they were the ones who informed me I could spend this money as it was MINE! I would NEVER charge {$6000.00} on a credit card in this manner as I am far more financially responsible that this and I feel as they have now baited me into a trap and are trying to wash their hands of their own responsibility for both the fraud and their " error '' of double refunding me charges. I am NOT able to pay this money back and I do not have the the ability to make the massive monthly payments their error will incur on me. This is simply not something I can ever forget and I will likely be forced to switch my credit card accounts to another company in the future as I feel there was never any intention to help me with being defrauded by this investigator. I will make sure to tell everyone I know to cancel any credit card, bank account, investment product and any other item they may have with Chase or any Chase bank due to how I was treated and how they have proven their word of " zero fraud liability '' really doesn't actually apply and superficial reasons will be made up that do not even exist in their card polices. So in other words, Chase will make up whatever story they want and try to blackmail you into paying off someone else 's illegal charges while offering NO protection and threaten damage to your credit, employment, liens and judgments on your home, and ultimately the shame of having a destroyed credit report committed by someone who was never held responsible for their fraudulent charges to begin with. I have never felt more violated in my life than I do right now and I have never felt more hopeless and depressed than I do now because I can not possibly pay this money back and nor should I have to. I am the victim not the criminal! | ||||||
| 03/07/2023 | Yes |
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| Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that has been reported by J.P. Morgan Chase Bank ( " JPMC '' ). Specifically, JPMC has reported a charged off account which is a violation of the Fair Credit Reporting Act ( FCRA ) as defined by Sections 1681e and 1681i of the FCRA ( 15 U.S.C. 1681-1681x ), as well as other federal laws and regulations. Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness, including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Additionally, the FCRA allows for consumers to dispute inaccurate information on their credit reports and request corrections. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including JPMC, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner. As a victim of unfair debt collection practices, I am writing to express my concerns about the charge-off reporting on my credit report. Despite my numerous attempts to resolve the debt, J.P. Morgan Chase Bank has failed to respond to my requests for validation or to provide proof of the alleged debt. Instead, they charged off the debt and continued to report it to the credit bureaus, damaging my credit score and causing me financial hardship. It is important to note that charging off a debt does not mean that the debt is forgiven or that the consumer is no longer liable for the debt. Charging off a debt simply means that the lender has written off the debt as uncollectible and has claimed it as a loss on their tax return. However, the debt remains on the consumer 's credit report and can continue to be reported by the lender, causing significant harm to the consumer 's credit score and financial reputation. Furthermore, the decision to charge off a debt should only be made after the lender has exhausted all other efforts to collect the debt, including sending validation of the debt, negotiating payment arrangements, and pursuing legal action if necessary. In my case, J.P. Morgan Chase Bank failed to provide any validation of the debt, refused to negotiate payment arrangements, and instead pursued legal action against me without providing proof of the debt. This is a clear violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements and from using unfair or abusive practices to collect a debt. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer 's credit report be accurate, verifiable, and complete. Reporting a charge-off without proper validation or documentation violates these laws and can result in significant damages to the consumer. I am requesting that J.P. Morgan Chase Bank take immediate action to remove the charge-off from my credit report, provide proof of the alleged debt, and compensate me for any damages incurred as a result of their unfair and illegal debt collection practices. I am also requesting that they stop all legal action against me until the debt has been properly validated and resolved. Due process is a constitutional right that guarantees individuals fair treatment under the law. In my case, I reached out to J.P. Morgan Chase & Co. multiple times via certified mail to remedy my accounts and provide debt validation, but they failed to respond. This lack of response is a violation of my due process rights, as it denies me the opportunity to address and resolve any issues with my accounts. The USC code that pertains to this violation is USC 1692g, which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact. Failure to provide validation can result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may entitle the consumer to statutory damages. Furthermore, J.P. Morgan Chase & Co. charged off my debt and reported it to credit bureaus, which has negatively impacted my credit score and reputation. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and creditors report accurate and complete information. Charging off a debt does not relieve a creditor of the responsibility to report the accurate status of the account. The USC code that pertains to this violation is USC 1681s-2 ( a ), which states that furnishers of information to credit reporting agencies must provide accurate and complete information. Violations of this section can result in liability for actual and punitive damages, as well as attorney 's fees and costs. I encourage the CFPB to take action against J.P. Morgan Chase Bank for their illegal and unethical practices. It is unacceptable for a financial institution to take advantage of consumers in this manner, and I hope that my case will serve as a warning to others who may be experiencing similar issues. In addition to FCRA violations, JPMC has also violated other federal laws and regulations, including the Privacy Act of 1974 ( 5 U.S.C. 522a ), the Gramm-Leach-Bliley Act ( 15 USC 1681, 15 USC 6801-6809 ), the Code of Federal Regulations ( CFR 313.1-313.7, 16 CFR 433.2-433.3 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ). JPMC has also failed to adequately protect my personal information, which is a violation of the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S. Code 1028 ). FCRA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the inaccurate information reported by the credit reporting agency, such as denial of credit, higher interest rates, or loss of employment. Punitive damages : Additional damages awarded to punish the credit reporting agency for willful or negligent violations of the FCRA. Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FCRA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation. Examples of FCRA violations that can result in damages include : 1. Reporting inaccurate information on the consumer 's credit report, such as a charged off account that has been paid in full or a debt that does not belong to the consumer. 2. Failing to correct inaccurate information on the consumer 's credit report after receiving a dispute from the consumer. 3. Failing to conduct a reasonable investigation of a consumer dispute. 4. Continuing to report inaccurate information on the consumer 's credit report even after being informed of the inaccuracy. USC codes related to the FCRA : Sections 1681e and 1681i of the FCRA 15 U.S.C. 1681-1681x USC codes related to the FDCPA : 15 U.S.C. 1692-1692p USC codes related to the TILA : 15 U.S.C. 1601-1667f FDCPA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the debt collector 's actions, such as lost wages or medical expenses. Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FDCPA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation. Attorney 's fees : If the consumer prevails in a lawsuit against the debt collector, the court may order the debt collector to pay the consumer 's attorney 's fees. Examples of FDCPA violations that can result in damages include : Harassing or abusive language used by the debt collector, such as threats of violence or using profanity. 1. Falsely representing the amount or nature of the debt owed. 2. Falsely representing that the debt collector is an attorney or government representative. 3. Failing to validate the debt within 30 days of the initial contact with the consumer. TILA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the creditor 's failure to disclose required information, such as hidden fees or incorrect interest rates. Statutory damages : A fixed amount of damages awarded to the consumer for certain violations of the TILA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$400.00} to {$4000.00} per violation, depending on the nature and severity of the violation. Rescission : The right of the consumer to cancel certain types of loans within a specified period of time if the creditor fails to provide the required disclosures. Examples of TILA violations that can result in damages include : 1. Failing to provide the consumer with a written disclosure of the finance charge, annual percentage rate ( APR ), and other important terms of the loan. 2. Failing to provide the consumer with a right of rescission for certain types of loans, such as home equity loans. Misrepresenting the terms or conditions of the loan, such as falsely stating that the loan has a fixed interest rate when it actually has a variable rate. There have been several recent case studies where the CFPB has awarded monetary relief to consumers for violations of the FCRA and other relevant laws. In XXXX, XXXX, XXXX, and XXXX agreed to pay a combined {$26.00} XXXX in restitution to affected consumers for FCRA violations. In XXXX, the CFPB ordered XXXX XXXX XXXX XXXX to pay {$1.00} XXXX in restitution to affected consumers for violations of the Electronic Fund Transfer Act and Regulation E. I am also disputing the validity of a court summons that was sent to me by JPMC and XXXX XXXX XXXX XXXX XXXX, which claims that I owe a debt to JPMC. This summons is in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601-1667f ). The FDCPA prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. The TILA requires creditors to provide certain disclosures about the terms and conditions of a consumer credit transaction. Failure to comply with these laws can result in monetary damages and statutory penalties. Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness, including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Violations of the FCRA can result in actual damages, punitive damages, and attorney fees. Examples of damages related to FCRA violations include : 1. Denial of credit or employment 2. Higher interest rates on loans 3. Increased insurance premiums 4. Emotional distress and loss of enjoyment of life J.P. Morgan Chase Bank 's inaccurate reporting of the charged off account on your credit report is a violation of the FCRA. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including JPMC, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner. The FDCPA, which is enforced by the Federal Trade Commission ( FTC ), protects consumers from abusive debt collection practices. 15 U.S.C. 1692-1692p outline the regulations that debt collectors must follow. Violations of the FDCPA can result in actual damages, statutory damages, and attorney fees. Examples of damages related to FDCPA violations include : 1. Harassment or abuse 2. False or misleading representations 3. Unfair or unconscionable practices J.P. Morgan Chase Bank 's actions, as well as the actions of the Mandarich Law Group, may also constitute violations of the FDCPA. The complaint filed against you may have contained false or misleading representations or may have used unfair or unconscionable practices. The Truth in Lending Act ( TILA ) is a federal law that requires creditors to disclose certain information to borrowers, including the annual percentage rate ( APR ), finance charges, and the total cost of credit. 15 U.S.C. 1601-1667f outline the regulations that creditors must follow. Violations of the TILA can result in actual damages, statutory damages, and attorney fees. 1. Examples of damages related to TILA violations include : 2. Payment of excessive fees 3. Overcharging for credit 4. Failure to disclose required information It is possible that J.P. Morgan Chase Bank 's actions, including the terms of the credit card agreement and any fees charged, may constitute violations of the TILA. The Privacy Act of 1974 ( 5 U.S.C. 522a ) is a federal law that governs the collection, maintenance, use, and dissemination of personal information by federal agencies. It also provides individuals with certain rights to access and amend their own records. Violations of the Privacy Act can result in actual damages, punitive damages, and attorney fees. J.P. Morgan Chase Bank 's failure to adequately protect your personal information, which was disclosed in the complaint, may constitute a violation of the Privacy Act. In conclusion, J.P. Morgan Chase Bank 's inaccurate reporting of the charged off account and the actions of the Mandarich Law Group may have violated several federal laws, including the FCRA, FDCPA, TILA, and Privacy Act. These violations may have resulted in actual damages, statutory damages, and attorney fees I would like to emphasize the emotional distress and financial hardship that J.P. Morgan Chase Bank and the Mandarich Law Group have caused me and my family. The inaccurate reporting of the charged off debt has negatively impacted my credit score and financial standing, making it difficult for me to obtain credit or loans, which has caused significant stress and anxiety. Furthermore, the burden of defending against a lawsuit and potentially paying for damages and legal fees has taken a toll on me and my family. This has prevented me from investing in new business ventures or pursuing other opportunities that would have helped improve my financial situation. I strongly urge J.P. Morgan Chase Bank and the Mandarich Law Group to correct any inaccurate information related to the charged off debt and to provide me with a written explanation of the investigation and resolution of any disputes. I also request that they provide me with a copy of my credit report and any information related to the charged off debt that has been provided to third parties. Chase has violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information to credit reporting agencies. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Chase has a duty to provide accurate and complete information to credit reporting agencies. However, the data provided clearly shows that Chase has reported inaccurate and false information regarding my accounts, including the status and amount of the debt owed. This has resulted in significant harm to my credit score and overall financial standing. Additionally, Chase has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in abusive and harassing behavior towards me. Pursuant to 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that is intended to harass, oppress, or abuse any person. However, the data provided shows that Chase has engaged in repeated and aggressive phone calls and letters, despite my requests to cease such communication. This conduct has caused significant emotional distress and anxiety for me and it has affected my cognitive abilities to focus on daily task and functioning. Furthermore, Chase has violated the Truth in Lending Act ( TILA ) by failing to disclose important information regarding my account. Pursuant to 15 U.S.C. 1638 ( a ) ( 2 ), creditors are required to disclose the finance charge, annual percentage rate ( APR ), and other important terms and conditions of a credit account. However, the data provided shows that Chase failed to disclose certain fees and charges associated with the account, resulting in unexpected and excessive charges. Finally, Chase has violated 18 U.S.C. 242 by engaging in conduct that constitutes a color of law violation. Pursuant to this statute, it is illegal for any person, acting under color of law, to deprive another person of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States. The data provided shows that Chase has engaged in deceptive and unfair practices, this resulted in reporting inaccurate information to credit reporting agencies, engaging in abusive debt collection practices, and failing to disclose important information regarding his account. These practices have deprived me of my rights to fair and accurate credit reporting, protection from abusive debt collection practices, and full disclosure of the terms and conditions of his account. In light of these violations, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Chase 's conduct and take appropriate action to hold them accountable for their actions. I deserve fair and just treatment, and it is imperative that financial institutions such as Chase are held to the highest standards of fairness, transparency, and accountability. Lastly, I have not given consent for Chase to share my personal information with third-party companies, yet I have received numerous calls and emails from companies claiming to have received my information from Chase. This is a clear violation of the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard their customers ' personal information. I have experienced unprofessional behavior from Chase representatives. When attempting to resolve issues with my account, I have been met with hostility and condescension. This is not only disrespectful, but it is also a violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. Furthermore, I have been provided with deceptive contract terms and language. The terms and conditions presented to me were confusing and intentionally misleading. This violates USC codes 15 U.S. Code 41, which prohibits unfair or deceptive acts or practices in commerce. Overall, these actions by Chase have caused significant harm to me and my financial situation, and I urge the CFPB to take swift action against them. I request that the CFPB hold Chase accountable for violating the EFTA, TISA, FDCPA, CFPA, USC 15 U.S. Code 41, and GLBA. Additionally, I request that I receive monetary relief and account remedy for the harm caused to me and my family. Chase Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card : XXXX XXXX XXXX XXXX I am writing to express my deep concern regarding the treatment I have received from your company. Despite my efforts to remedy the issues with my account, I have not received any satisfactory resolution. I have contacted your company via certified mail on two separate occasions, yet I have not received any response or action regarding my concerns. Furthermore, I have requested debt validation and acceptance for value and counteroffer/claim for proof of claim, but your company has failed to provide me with any evidence or documentation to support their claims against me. This is a clear violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act. I have also received a court summons from the XXXX XXXX XXXX XXXX XXXX on behalf of your company. The complaint alleges that I entered into a credit card agreement with your company on XX/XX/XXXX, and that I have defaulted on the terms and conditions of the account by failing to pay as promised. However, your company has not provided me with any evidence or documentation to support these claims. I believe that your company has committed several violations of the USC codes, including USC 15 1692 et seq. and USC 12 5536, which prohibit unfair, deceptive, or abusive acts or practices in consumer financial products or services. In addition, your company 's actions have caused me significant financial and emotional damages. I have experienced unauthorized overdraft fees, unprofessional behavior from Chase representatives, and deceptive contract terms and language. These actions are also a violation of USC codes 15 U.S. Code 41 and the Gramm-Leach-Bliley Act, which requires financial institutions to safeguard their customers ' personal information. I would like to urge your company to take immediate action to remedy my accounts and provide me with monetary relief for the damages I have incurred. I am also requesting that you provide me with documentation that supports the claims made against me, as well as evidence of the credit card agreement that was allegedly entered into on XX/XX/XXXX. Furthermore, I would like to draw your attention to the issue of language fraud, which is a violation of USC 18 1343. Your company has created a security in my name and made an LLC out of my name without my knowledge or consent. This is a clear violation of my rights and is a form of language fraud. In conclusion, I urge your company to take immediate action to remedy my accounts and provide me with monetary relief for the damages I have incurred. I am requesting that you provide me with documentation to support the claims made against me, as well as evidence of the credit card agreement that was allegedly entered into on XX/XX/XXXX. Thank you for your attention to this matter. USC Codes related to my case : 1. USC 15 1692 et seq. 2. USC 12 5536 3. USC 15 U.S. Code 41 4. Gramm-Leach-Bliley Act 5. USC 18 1343 I have recently discovered that J.P. Morgan Chase & Co. has created a security in my name and made an LLC out of my name, XXXX XXXX XXXX, without my knowledge or consent. This is a clear violation of the U.S. Code, specifically USC Title 15, Chapter 2D, Section 78c, which defines what constitutes a security. It is also a violation of my privacy and personal rights. As a valued customer of Chase, I expect transparency and respect when it comes to my personal information and financial accounts. It is concerning to me that this security was created without my knowledge or consent, and I request immediate action to remedy this situation. I kindly ask that you provide me with a detailed explanation of how this security was created and what steps will be taken to correct this issue. Additionally, I request that you provide me with any and all documentation related to this security and LLC. I trust that you will take this matter seriously and work to resolve this issue in a timely and efficient manner. Thank you for your attention to this matter. | ||||||
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| The only reason I applied for the XXXX XXXX XXXX XXXX was to receive XXXX XXXX miles as the sign up bonus. Chase is denying the XXXX XXXX bonus and has not provided any sort of explanation other than we gave you the {$100.00} statement credit. I believe the offer was a {$100.00} statement credit and XXXX miles. This is a total bait and switch. I am going taking my family to XXXX in XX/XX/XXXX and wanted to " pay '' for at least one ticket via XXXX miles. At the end of XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX. I applied for the card for the purpose of earning a XXXX rewards bonus of XXXX miles. I applied for the XXXX XXXX XXXX from the XXXX website directly from my personal XXXX Mileage Plus account. The advertisement that I clicked on to apply for the card was touting the XXXX XXXX miles as a reward for applying to the card. I have met all spending requirements to earn the XXXX miles. Chase is claiming that I selected the {$100.00} statement credit in lieu of the XXXX XXXX miles. This is not an equitable reward as the XXXX XXXX miles is valued at {$750.00}. Bait and switch. The signup process was totally misleading. As I applied directly from the XXXX website with a XXXX XXXX signup bonus, my only intent was to receive the XXXX XXXX miles. Low and behold there is still a Chase XXXX XXXX XXXX offer on the table for the same offer that I had accepted back in XX/XX/XXXX!!!!! Please tell me where it says there is a {$100.00} statement credit option vs. receiving the XXXX XXXX miles??? Bait and switch. This is the identical offer that I applied to when applying for my XXXX XXXX to in XX/XX/XXXX except the offer in XX/XX/XXXX included XXXX more XXXX miles for signing up an authorized user and requesting a second card. Why on earth would I select a {$100.00} statement credit option when I applied for the card based on this add? See below for the existing offer in play today : Note : I was not a current Chase cardholder nor have I received a new bonus offer for this credit card within the last 24 months. I have more than surpassed the {$3000.00} purchase spend total within the first 3 months of account opening. My account is not in default. I added an additional XXXX XXXX XXXX This product is not available to either ( i ) current Cardmembers of this credit card, or ( ii ) previous Cardmembers of this credit card who received a new XXXX bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive XXXX bonus miles after you make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( " Purchases '' do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count towards XXXX status. If your account is not open for at least six months, XXXX and Chase reserve the right to deduct the bonus miles from your XXXX XXXX account. XXXX XXXX XXXX XXXX XXXX membership is subject to XXXX XXXX terms & conditions, united.com/UnitedClubRules, and access policies, united.com/UnitedClubAccess, each of which is subject to change, with or without notice. Please allow 2 weeks after account open date for the XXXX XXXX membership to activate ( excludes XXXX XXXX and XXXX XXXX ). The XXXX XXXX membership card will be sent to the primary XXXX 6 weeks after the account open date. Authorized users will not receive their own XXXX XXXX membership and are only eligible for XXXX XXXX access if they are traveling with the primary XXXX. The XXXX 's XXXX XXXX membership will be renewed automatically on each credit card anniversary date, provided that the account is open and not in default. XXXX XXXX XXXX members are eligible to receive a pro-rated refund for any unused portion of their current membership if the refund is greater than {$15.00}. Please allow 6 to 10 weeks to receive refund checks. XXXX XXXX XXXX members are excluded from receiving a reimbursement. Chase is not responsible for the fulfillment of the XXXX XXXX membership. XXXX Access The primary Cardmember and companions traveling on the same reservation are eligible for XXXX Access ; authorized users are only eligible if they are on the same reservation as the primary XXXX. Benefits include the following travel services where available : designated check-in lines, priority security lanes, priority boarding, and priority baggage handling. To receive XXXX Access, the primary XXXX must include their XXXX number in their reservation. XXXX Access is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. XXXX is not responsible for the provision of, or failure to provide, XXXX Access. Please allow 2 weeks after account opening for XXXX Access to be available on your XXXX reservation. Please visit united.com/premieraccess for details. Free Checked Bags The primary XXXX and XXXX traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free ; authorized users are only eligible if they are on the same reservation as the primary XXXX. To receive first and second standard checked bags free, the primary XXXX must include their XXXX number in their reservation and use their XXXX XXXX XXXX to purchase their ticket ( s ). First and second standard checked bags free is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. Service charges for oversized, overweight and extra baggage may apply. Cardmembers who are already exempt from other checked baggage service charges will not receive additional free standard checked bags. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please allow 2 weeks after account opening for your first and second free standard checked bags to be available on your XXXX reservation. Please visit XXXX for details. XXXX XXXX XXXX XXXX Membership The primary Cardmember is eligible for XXXX status in the XXXX XXXX XXXX program and will need to register for this benefit at XXXX. Please allow 4 weeks for the registration request to be processed by XXXX. To receive XXXX benefits, the primary XXXX must provide their XXXX XXXX XXXX membership number at time of reservation or at time of check-in. All benefits are subject to complete XXXX of XXXX Terms and Conditions, available at XXXX. Chase Bank XXXX, XXXX, is not responsible for the provision of, or the failure to provide, the stated benefits and services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The primary Cardmember is eligible to enroll in XXXX XXXX XXXX XXXX XXXX XXXX XXXX by visiting XXXX. Please allow 3-7 business days after enrolling in XXXX XXXX XXXX Rewards XXXX 's XXXX for your membership to process. In order to receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX benefits, the primary Cardmember must include their XXXX XXXX XXXX XXXX number in their XXXX reservation. In order to receive the XXXX points benefits, the primary Cardmember must opt in, under the " Member Details '' section of their XXXX profile, to earn XXXX XXXX XXXX XXXX points. Offer made by XXXX. All XXXX XXXX and Rental Terms and Conditions apply, including the right to change, limit or modify the President 's Circle Program or portions of the program at any time. Please visit united.com/HertzChaseBenefit for details. Chase Bank XXXX, XXXX, is not responsible for the provision of, or the failure to provide, the stated benefits and services. Room Upgrades and Special Amenities XXXX XXXX XXXX & XXXX Collection ( XXXX ) program benefits and XXXX XXXX are available exclusively on select Chase credit cards. To receive the XXXX XXXX, reservations must be made through an XXXX XXXX XXXX or on XXXX. Websites and other information provided by XXXX and/or participating hotels are not within Chase 's control and may or may not be available in XXXX. All exclusive amenities and XXXX XXXX are provided per room and are based on double occupancy. Some amenities may only apply to select rates, may be subject to availability at check-in, and are not redeemable for cash. Amenities may not be combined with other offers, including tour operator or wholesaler rates and packages. Complimentary Wi-Fi provided, with the exception of XXXX and XXXX XXXX where Wi-Fi is not available. Program benefits, participating properties, and Guest Privileges are valid through the current calendar year, but XXXX become unavailable due to circumstances outside of Chase 's control. All efforts have been made to ensure the accuracy of the information contained. We reserve the right to correct any mistakes. Certain blackout dates and other restrictions may apply. This program is brought to you by Chase through an agreement with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Chase voted by the readers of XXXX XXXX XXXX their XXXX XXXX XXXX Survey " Best Credit Card. '' Source : XXXX XXXX, XXXX. Earning Miles Rewards Program Agreement : For more information about the XXXX XXXX XXXX card rewards program, view the latest Rewards Program Agreement. We will mail your Rewards XXXX XXXX once your account is established. If you become a Chase XXXX customer, your Rewards XXXX XXXX will also be available after logging in to chase.com. How you can earn miles : You 'll earn miles when you, or an authorized user, use a XXXX XXXX credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wo n't count and wo n't earn miles : balance transfers, cash advances, and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1.5 miles : You 'll earn 1.5 miles for each {$1.00} spent. 2 miles : You 'll earn 2 miles total for each {$1.00} spent on airline tickets purchased directly from XXXX ( .5 additional miles on top of the 1.5 miles per {$1.00} earned on each purchase ). Information about earning/transferring miles to XXXX : Miles earned during a billing cycle will be automatically transferred to XXXX after the end of each billing cycle. Miles expiration : The miles transferred to your XXXX account will not expire as long as your card account is open. If your card account is closed, the miles in your XXXX account will expire according to the XXXX program rules. Losing miles : You 'll immediately lose all miles that have n't been transferred to XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards XXXX XXXX. Accepted In More Locations XXXX rates based on global, not domestic, data. Source : The XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX Do n't Expire Your miles will not expire as long as there is activity on your credit card account, including paying your annual membership fee, and the credit card account is open and not in default. Upon cancellation of your credit card account your miles will expire according to the XXXX program rules. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Awards are currently redeemable at XXXX miles for travel within the XXXX XXXX Award pricing is subject to change without notice. Passenger is responsible for all taxes, fees, baggage fees and surcharges applicable to award travel, including, with respect to government-imposed taxes and fees, passenger facility charges ( PFCs ) of up to {$18.00} per round trip ; XX/XX/XXXX Security Fee of {$5.00} per one-way trip that does not include a government-defined stopover for awards for air transportation originating at an airport in the U.S. ; and U.S. segment tax of {$4.00} for each segment ( take-off and landing ) as of XX/XX/XXXX. Such taxes, fees and surcharges must be paid at the time of ticketing and are subject to change. Any valid unused award ticket may be returned to the XXXX XXXX XXXX, for a service charge, up to one year from the date of issue. Award seats are subject to availability and capacity-control restrictions apply. For more information on MileagePlus award travel, visit united.com/awards. Close-In Fee Waiver The primary Cardmember will receive a close-in booking fee waiver on award tickets booked less than 21 days before departure, including award tickets booked by the primary Cardmember for an authorized user ( s ), under the primary XXXX XXXX XXXX number. To receive a close-in booking fee waiver, be sure to provide the primary XXXX 's XXXX number before you start the award booking process. Award booking under an authorized user 's XXXX number will not receive this benefit. Close-in booking fee waiver is only available on XXXX and XXXX XXXX flights ; codeshare partner-operated flights are not eligible. XXXX is not responsible for the provision of, or failure to provide, close-in booking fee waivers. For more information on award travel, please visit XXXX. XXXX XXXX XXXX The primary Cardmember who has XXXX XXXX status and is traveling on an award ticket is eligible for Complimentary Premier Upgrades on select United-operated flights, subject to availability ; travel companions and authorized users are not eligible. Assignment of XXXX XXXX Upgrades on award tickets within each XXXX level will be prioritized after the lowest paid fare class. Chase is not responsible for the provision of, or failure to provide, the stated benefits. Please visit united.com/upgrades for details on eligible flights and upgrade processing. XXXX XXXX Cardmembers are responsible for the cost of any goods or services purchased through the XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX whose requests for this offer are not approved will not be enrolled in XXXX through this request, although existing XXXX members will remain enrolled in XXXX. Authorized users will not be enrolled in XXXX as a result of this request. XXXX miles awarded through the use of the authorized user 's card will only be credited to the primary XXXX 's account. If a Cardmember 's membership in XXXX 's XXXX XXXX is terminated in accordance with the terms and conditions of that Program, the Cardmember will no longer be eligible to earn any XXXX miles for purchases using the XXXX XXXX Card. XXXX 's sole obligation concerning the award and redemption of miles shall be to make a valid request to XXXX to award miles to the XXXX 's associated MileagePlus account. Chase disclaims liability or responsibility for XXXX 's failure to award or redeem miles to the XXXX 's associated MileagePlus account after Chase has met its obligations to XXXX in connection with such a request. Benefits are available as long as XXXX 's XXXX XXXX Credit Card account is open and not in default. Upon closure of the XXXX 's XXXX XXXX Credit Card account, all benefits will be canceled. MileagePlus Program Terms And Conditions Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the XXXX XXXX program, including without limitation the Premier program ( the " MileagePlus Program '' ), which are expressly incorporated herein. Please allow 6-8 weeks after completed qualifying activity for miles to post to your account. XXXX XXXX change the XXXX XXXX including, but not limited to, rules, regulations, travel awards and special offers or terminate the XXXX XXXX at any time and without notice. XXXX and its subsidiaries, affiliates and agents are not responsible for any products or services of other participating companies and partners. Taxes and fees related to award travel are the responsibility of the member. Bonus award miles, award miles and any other miles earned through non-flight activity do not count toward qualification for XXXX status unless expressly stated otherwise. The accumulation of mileage or XXXX status or any other status does not entitle members to any vested rights with respect to the XXXX XXXX. All calculations made in connection with the XXXX XXXX, including without limitation with respect to the accumulation of mileage and the satisfaction of the qualification requirements for XXXX status, will be made by XXXX XXXX and XXXX in their discretion and such calculations will be considered final. Information in this communication that relates to the XXXX XXXX does not purport to be complete or comprehensive and XXXX not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the united.com website and the XXXX XXXX rules. XXXX and XXXX are registered service marks. For complete details about the XXXX XXXX, go to XXXX. Accounts subject to credit approval. Restrictions and limitations apply. XXXX XXXX credit cards are issued by Chase Bank XXXX, XXXX. Offer subject to change. This is a link to a third-party site as described in our XXXX Practices. Note that the third party 's privacy policy and security practices may differ from Chase 's standards. Chase assumes no responsibility for nor does it control, endorse or guarantee any aspect of your use of the linked site. XXXX XXXX XXXX Offer! Get XXXX Bonus Miles after you spend {$3000.00} on purchases in the first 3 months your account is open* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apply Now *Offer Details | Pricing and Terms {$450.00} Annual Fee XXXX XXXX XXXX. Yours with XXXX. XXXX XXXX XXXX XXXX XXXX membership Up to a {$550.00} value per year. Before you fly, you, as the primary XXXX, and your eligible travel companions, will enjoy access to all XXXX XXXX locations and participating XXXX XXXX affiliated lounges worldwide. XXXX Access travel services Receive preferential treatment to ease your way through the airport with priority check-in, security screening ( where available ), boarding and baggage handling privileges. Free first and second checked bags A savings of up to {$240.00} per roundtrip. The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free ( {$25.00} value for the first checked bag and {$35.00} value for the second checked bag, each way, per person ) on United-operated flights when the primary Cardmember includes their XXXX XXXX number in their reservation and purchases their tickets from XXXX with their Card. For complete details, please visit united.com/chasebag. No foreign transactions fees Purchases made with your XXXX XXXX outside the XXXX will not be subject to foreign transaction fees. XXXX XXXX XXXX & XXXX Collection This exceptional group of over XXXX properties includes many of the world 's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember Benefits with every stay. Make a reservation through the program using your Chase Card to receive the following benefits including : Daily breakfast for two A special benefit unique to each property, such as a dining or spa credit Complimentary Wi-Fi A room upgrade, if available Early check-in and late checkout, if available Please visit XXXX for more information. XXXX XXXX XXXX : XXXX Status As the primary Cardmember, you are eligible for Discoverist membership in the XXXX XXXX XXXX XXXX loyalty program. To enjoy this benefit, you will need to register at united.com/HyattChaseBenefit. XXXX XXXX 's Circle Elite Status The primary Cardmember is invited to join XXXX XXXX 's Circle and enjoy a 25 % bonus on XXXX Gold Plus Rewards Points, upgrades, exclusive offers and more. To enroll, please visit XXXX Chase 's customer service was not helpful at all. They are great at trying to get me to drop the issue and go away. By telling my that they escalated the situation and that the decision is final without providing any sort of proof or adequate explanation. Chase clearly misses the entire point. Chase is duping their customers with their false advertising and online credit card application bait and switch tactics when applying for a credit card. See communication below : Date : XX/XX/XXXXXXXX From : Chase XXXX XXXX Subject : XXXX : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX XXXX account. Please note that your e-mail has been forwarded to the highest level of escalation available within our XXXX XXXX XXXX. I understand and respect your position regarding this issue ; however, as stated in our previous e-mail correspondence dated XX/XX/XXXX, we remain unable to further assist you with this request. I have included a copy of our past e-mail should you have any questions regarding the resolution provided. I sincerely regret any inconvenience this situation may have caused. We will continue to keep any and all pertinent information you send us regarding this, on file for your account. Unfortunately, no further actions can be taken at this time. We appreciate your business and thank you for being a Chase customer. Sincerely, XXXX XXXX XXXX XXXX XXXX ext XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CIGPROFILEID XXXX XXXX. This is a total bait and switch tactic. I subscribed to the card from the XXXX XXXX. Why would I not want the XXXX XXXX XXXX. I am contacting my attorney and filing a complaint with the CFPB. This is ridiculous. Please pass on my intentions to senior management as this issue is not considered closed on my end. XXXX, XXXX -- -- XXXX XXXX -- -- - Hello XXXX XXXX We 're happy to provide you with additional information. The offer accepted was online with the complete terms of the New Account Bonus Offer when the application was submitted. The rewards terms require a review, acknowledgement, and agreement in order the application to be processed. Unfortunately a change can not be made. We ask that you trust that this decision is the same for all cardmembers. We feel that adhering to the same policy for all cardmembers is the best way to remain fair and consistent. Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service. Thank you for choosing Chase. Sincerely, XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/07/2021 | Yes |
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| I. RELEVANT FACTS On the morning of Thursday, XX/XX/XXXX, I was a guest at the XXXX XXXX XXXX in XXXX and accessed the XXXX XXXX identified at reception as secure and reserved for guests. At XXXX XXXX I received a phone call and a male identified himself as an agent with Chases fraud department. He informed me that Chase identified suspicious activity involving my business debit card ending in XXXX. To authenticate his affiliation with Chase he provided me my Chase login ID, date of birth, and address. He then asked if I received a text message from Chase. I checked my phone and discovered a text inquiring about a purchase at XXXX and listing the last four digits of my business debit card. The Chase agent asked whether I had authorized that transaction and three other transactions which allegedly were made in New York City at XXXX, XXXX, and XXXX XXXX. I informed him that none of the aforementioned transactions were authorized. Being cautious, I cross-referenced the incoming phone number, XXXX. It matched the number on the back of my business debit card as well as the number provided on Chases website for existing business customers ( XXXX ) : https : //www.chase.com/business/contact-us. As an additional prophylactic measure, I also ran a malware scan on my laptop with my XXXX XXXX antivirus software and nothing was detected. I quickly logged in to Chase online banking to see if any of the fraudulent charges had posted. While logged in, I noticed an inter-account transfer that I had not performed. I expressed my alarm and the Chase agent informed that the fraud team was working to ensure all accounts were restored to the status prior to the compromise. He further informed that Chase would need to deactivate my business debit card and lock me out of my accounts so they could locate the perpetrator. As I had timed out from Chase online banking due to inactivity, I tried to log back in and I was indeed locked out. Notably, no e-mail from Chase was delivered confirming that my ID or password had been changed. While I rarely change my ID or password, on the occasions I have done so I consistently received an alert from Chase confirming a change has been made. The lack of notification reassured me that my accounts have been securely locked by legitimate Chase personnel and not a fraudster. To reverse the fraudulent debit card charges, the Chase agent informed that pins would be delivered via text and I would need to provide one for each fraudulent transaction. I am on the phone with the Chase agent for approximately one hour during which time three pins are delivered and relayed. Thereafter I had to terminate the call to check out of the hotel. Before departing the hotel, I asked to speak to the manager and informed her that the guest network may not be secure. I reported that no damages had been suffered as Chase detected the fraudulent activity. I was scheduled to have lunch with my sister and niece and activated the Do Not Disturb feature on my XXXX. After departing lunch, I deactivated the feature and almost immediately received a call from the same Chase number. The same agent I spoke with in the morning informs he requires a fourth pin to reverse the last fraudulent debit card transaction and that arrives via text instantaneously. I provided it and then commenced driving home to XXXX. On the morning of Friday, XX/XX/XXXX, I identify an e-mail notification from Chase informing that Chase approved a wire transfer from my business account for {$19000.00} payable to a stranger : XXXX XXXX. That denomination is almost triple the amount that was in the business account the day prior, signaling that funds had been withdrawn from multiple personal accounts and consolidated in my business account. This is an aberration as I do not comingle personal and business funds in my business account in keeping with the terms provided by Chase to utilize business accounts strictly for nonpersonal purposes. Online transfers are not frequent and when made constitue withdraw funds from my business account and deposit them in my personal checking or savings as a salary. I immediately drove to the local Chase branch in XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I met with banker XXXX XXXX, who confirmed that Chase had indeed approved the wire transfer and it had cleared my account that morning. I reported that Chase should have declined the wire transfer request given the multiple instances of debit card fraud detected the day prior. XXXX XXXX accessed my account and did not identify any notes pertaining to debit card fraud. However, he informed that Chase flagged my business account for suspicious activity the morning of Thursday, XX/XX/XXXX. Despite flagging the account, XXXX XXXX informed that Chase made no attempt to contact me and apprise me of any risk. My husband XXXX XXXX joined us and for approximately three hours we worked with XXXX XXXX to try and recoup the funds. As part of the process, I complete the XXXX XXXX XXXX onsite and execute it before XXXX XXXX, a Chase employee and notary. XXXX XXXX reports that all formalities have been completed to file the claim and the assigned case number is reported to be # XXXX. Immediately upon departing the branch location, I further undertook all of the prescribed measures XXXX XXXX delineated, including but not limited to : filing a police report with the XXXX XXXX XXXX XXXX, filing a report with the Federal Trade Commission, placing security freezes with the three credit bureaus, re-running malware scans on my laptop and XXXX, and changing my password for my XXXX e-mail account. Lastly, XXXX XXXX instructed that I directly contact Chases fraud department to apprise them of the three additional instances of fraud, namely, the unauthorized transfers of funds from my personal checking, joint checking, and savings account to the business checking account. On XX/XX/XXXX, after having addressed all other prerequisite tasks identified by XXXX XXXX, I contacted Chase to repot the three instances of fraud involving my personal accounts. The Chase agent with whom I spoke had no record of my case number. But, after relaying the facts and circumstances that culminated in the unauthorized wire transfer, the agent informed that only the wire transfer constituted fraud despite the fact that the online banking transfers were performed by a fraudster. The representative then recited all of the tasks that I had already undertook pursuant to XXXX XXXX guidance. On the morning of Thursday, XX/XX/XXXX, a full week after the incident, I call Chase again to ascertain the status of my claim and anticipated arrival for the debit cards. The representative that I speak with again informed there is no record of any claim having been filed on my behalf. When I provide the aforementioned case number, the Chase representative again searches for the claim to no avail. Thereafter I drive directly to the local Chase branch. XXXX XXXX concedes that that the debit cards were not ordered and rectifies that oversight. He does, however, insist that the claim was promptly filed on XX/XX/XXXX and faxes me a copy of the XXXX XXXX XXXX. On XXXX, XXXX, our Chase Private Client Manager, XXXX XXXX XXXX, facilitated a call with Chases fraud department in an attempt to expedite the processing of my claim and reimbursement of the fraudulently transferred funds. We were connected with a representative named XXXX XXXX XXXX XXXX asked for her full name and she declined to provide it XXXX. XXXX reported that the claim was initially misfiled on XX/XX/XXXX, but ultimately she was able to locate the relevant information. Per the records available to XXXX, Chase did indeed flag my business account for suspicious activity on the morning of Thursday, XX/XX/XXXX. And, in accordance with XXXX XXXX report, Chase never took any initiative to contact me to alert me of any possible risk. Per XXXX account, Chases records indicated that I called in directly to Chase requesting a wire transfer from my business account. And, when questioned as to the purpose of the transfer, the individual purporting to be me reported it was intended to be a birthday gift for my son. I informed XXXX that while I received multiple calls from a number affiliated with Chase, I did not make any outgoing calls to Chase, which my XXXX phone log supports. And, I do not have children. While neither XXXX nor her supervisor were ultimately able to provide assistance, it was invaluable to learn that the proffered justification of gifting tens of thousands from a business account for an expressly non-business purpose failed to raise any red flags with Chase. This reinforced several other red flags which Chase should have countenanced, including but not limited to : ( 1 ) my account was flagged for suspicious activity the very morning of the wire transfer request, ( 2 ) personal funds were drained from my personal checking, joint checking, and savings account and consolidated in my business account in an unprecedented manner that liquidated nearly all funds collectively held by Chase, and ( 3 ) I have never authorized any wire transfer from any account in the history of banking with Chase. On XX/XX/XXXX, I received a call from XXXX XXXX, a manager overseeing the XXXX XXXX and XXXX XXXX branches in XXXX, Texas. She regretfully informed that Chases fraud team reported that I will not be reimbursed the funds that were fraudulently transferred without authorization unless Chase could persuade XXXX XXXX XXXX to reverse the wire transfer. XXXX XXXX made no mention of when that recall request to XXXX XXXX XXXX was placed, but presumably it should have been dispatched on XX/XX/XXXX as I had reported the fraud within hours of the funds clearing. XXXX XXXX informed that the justification for denying my claim was owing to the fact that I was allegedly involved in the scam. I protested that I committed no wrongdoing and XXXX XXXX avowed to escalate the matter to Chases complaint escalation team. XXXX XXXX of Chases complaint escalation team contacted me on XX/XX/XXXX and we conferred on multiple occasions through XX/XX/XXXX. I informed him that I have consulted with an attorney and appreciate that Chase is responsible for reimbursing the lost funds under various legal theories including but not limited to the Electronic Funds Transfer Act ( EFTA ) and UCC Section 4A. I have also compiled substantial documentation to debunk any allegations that I was actively engaged in any fraudulent activities. XXXX XXXX regretfully reported on XX/XX/XXXX that the fraud team had once against declined my claim without reviewing any additional information or documentation I was willing to provide. XXXX XXXX informed that Chase could not recoup the fraudulently transferred funds owing to the unreasonable delay in requesting the recall which was not made until XX/XX/XXXX. He further suggested that I pursue the matter with law enforcement. My reaction was nothing short of incredulous. I reported the fraud in person at Chases XXXX XXXX branch within twenty-four hours of notification and within hours of the funds clearing, why had Chase not demanded a recall that same morning?. And, I had already engaged both local and federal law enforcement as evidenced by the XXXX XXXX and FTC reports to no avail. XXXX XXXX sympathized and avowed to escalate the matter to Chases executive fraud team. As of this last conversation with XXXX XXXX on XX/XX/XXXX, it is abundantly clear that Chase breached its fiduciary duties on multiple occasions. First, Chase recklessly approved the wire transfer despite multiple red flags presented by way of an alert as to suspicious activity involving my business account followed by multiple unprecedent online transfers and a phone call requesting an unprecedent wire transfer purported to be a birthday gift for a son that does not exist. Secondly, post-transfer, Chase filed to timely process my claim and demand a recall from XXXX XXXX XXXX despite being notified that the wire transfer was fraudulent within twenty-four hours of notification and hours after the funds had cleared. Time was of the essence and only Chase, not I, was in a position to identify the banking institution to which the funds were transferred and immediately make the request to reverse the transfer. II. LEGAL ANALYSIS A. Electronic Funds Transfer Account and Regulation E Federal Regulation E ( 12 CFR 205.6 ) was issued by the Consumer Financial Protection Bureau ( CFPB ) pursuant to EFTA and applies to electronic funds transfers involving personal banking accounts. Qualifying accounts include [ c ] hecking, savings, or other consumer asset account [ s ] held by a financial institution ( directly or indirectly ), including certain club accounts, established primarily for personal, family, or household purposes. An electronic funds transfer ( EFT ) constitutes a transfer of funds initiated through an electronic terminal, telephone, computer ( including on-line banking ) And an unauthorized electronic funds transfer constitutes an EFT from a consumers account initiated by a person other than the consumer without authority to initiate the transfer and from which the consumer received no benefit. Each of the three personal accounts that I maintained with Chase which were compromised qualify under EFTA, namely, my personal checking, joint checking, and personal savings. And the three transfers from each of these account to my business checking account within hours of the wire transfer request, presumably performed via online banking by the fraudster, constitute EFTs. And, given the fact that I did not authorize the initiation of any one of these transfers nor benefited from the transfer, they are deemed unauthorized under EFTA. The fact that a third party other than myself performed these transfers is verifiable. As reported herein, I was locked out of my account during the span of my conference with the purported Chase agent between XXXX and XXXX CST. Whether Chase locked me out or a fraudster reset my password is not readily discernable. However, Chase should have a record of my attempt to log in during that interim and my ID and password were rejected. Thus, I I had no capacity to transfer funds nor the capability to monitor and report to Chase. Regarding a consumers responsibility to report an unauthorized EFT, Regulation E provides that in the case of [ u ] nauthorized transfer ( s ) not involving loss or theft of an access device, a consumer should report the incident [ w ] ithin 60 calendar days after transmittal of the periodic statement on which the unauthorized transfer appears. In such instances, there is [ n ] o liability for the consumer. Unlike other banking institutions, Chase does not issue fobs or other access devices for the purposes of securing wire transfers. Thus, this is an instance in which no device was lost or stolen. And, as aforementioned, the fraudulent transfers from all three personal accounts were fraudulent and unauthorized. There can be no refuting that the fraud was timely reported as I was physically present at the XXXX XXXX Chase branch within twenty-four hours of notification of the fraudulent and unauthorized wire transfer as supported by the notarized XXXX XXXX XXXX and undoubtedly surveillance cameras. Based on the foregoing facts and pursuant to Regulation E, Chase is liable at a minimum for the unauthorized and fraudulent transfers from personal accounts which collectively amount to XXXX XXXX and XXXX XXXX dollars ( {$11000.00} XXXX. B. Uniform Commercial Code Article 4A ( also known as Division 11 ) Unlike EFTA which governs EFTs involving personal accounts, Uniform Commercial Code ( UCC ) Article 4A applies to customers commercial business accounts. UCC Article 4A provides that a receiving bank ( the bank that receives wire instructions from a sender ) ordinarily bears the risk of loss of any unauthorized wire transfer. However, unlike Regulation E, the risk of loss may be shifted to the customer under certain circumstances. Customers are most vulnerable to assuming liability for any loss due to a fraudulent wire transfer under UCC Section 11202 ( b ). The framework of Section 11202 ( b ) involves two-steps. First, the financial institution must prove that the institution and customer agreed upon certain anti-fraud security procedures which constitute a commercially reasonable method of providing security against unauthorized payment orders. Whether a particular security procedure is commercially reasonable is a question of law to be determined by considering the customers stated expectations, the customers known needs, alternative security procedures offered, and security procedures used by similarly situated banks and customers. Cal. U. Com. Code 11202 ( c ). Second, the financial institution must prove [ ] that it accepted the payment order in good faith and in compliance with the security procedure and any written agreement or instruction of the customer restricting acceptance of payment orders issued in the name of the customer. Cal. U. Com. Code 11202 ( b ). There is ample case law detailing the evidentiary showing a bank must demonstrate to shift the loss to the customer. And, as we have retained an attorney, we will rely on the expertise of counsel in this arena to cite the appropriate authority. However, to summarize our understanding, Chase failed to make an adequate showing in the instant case because it failed to act in good faith when it accepted the wire transfer request. Courts look to circumstantial evidence when analyzing whether a banking institution acted in good faith. Taken into consideration are factors such as the customers election of ( 1 ) security protocol, ( 2 ) the reasonability of the request in light of the customers established pattern of transactions, and ( 3 ) and other facts which should alert the receiving bank as to prospectively fraudulent activity. Here, to the extent any anti-fraud security protocol was established, I passively accepted the terms when I opened my business checking account. And, based on ample due diligence and discussions with counsel, Chases dual authorization protocol is the bare minimum industry-wide requiring only a password and pin codes. So, if an XXXX was stolen there would be very low barriers to prevent a fraudulent wire transfer from occurring. Had I known the risk, I would have proactively negotiated for more strict and appropriate security measures. Secondly, and most notably, a review of my banking history would reveal that I have never authorized a wire transfer since the day I commenced banking with Chase. This should have been the most glaring red flag that prompted Chase to electively heighten security protocol requiring either an in-branch authorization or, at a minimum, to proactively attempt to contact me rather than passively rely on the incoming communications of a fraudster. Lastly, the circumstances preceding the approval of the wire transfer overwhelmingly suggest that any Chase agent receiving the unprecedented request should have declined. Initially, the very account from where the funds were being transferred was flagged internally that morning for suspicious activity. Secondly, Chase did not independently contact me and relied on incoming and unverifiable calls. Third, there was a change in password that morning and at least one attempt by myself to access the account which was rejected, suggesting multiple entities were attempting to access the account. Fourth, never in the history of banking with Chase has three independent online transfers occurred from each of my personal accounts. Fifth, in contravention of Chases own protocol for business accounts, the fraudster proffered the justification that the alarmingly large wire transfer was intended as a birthday gift. And, lastly, the denomination requested constituted a veritable liquidation of all funds held by Chase which should be an anomaly for any customer. Based on the foregoing facts, Chase acted recklessly and without good faith in approving the unauthorized and fraudulent wire transfer request and should be liable for the resulting loss. C. Failure to Mitigate As aforementioned, the fraudulent and unauthorized wire transfer was reported in-person at the earliest opportunity to XXXX XXXX at the XXXX XXXX Chase branch. Thereafter, I diligently pursued updates on the status of the claim that was timely filed. Regrettably, as has been repeatedly disclosed by various Chase agents, both the claim and the request for a recall were mishandled and/or inexcusably delayed. Regardless of any conclusions under Regulation E and UCC Article 4A Chase that Chase bears liability for the fraudulent wire transfer, Chase was in the best position to mitigate the loss by promptly recalling the wire transfer and negotiating the reimbursement of funds with XXXX XXXX XXXX. To the extent that Chase repeatedly failed in fulfilling its fiduciary duty to try and recoup the lost funds, it should bear the brunt of the loss. should D. Unclean Hands A robust review of the facts and conferences with Chase agents subsequent to the loss suggest that an active Chase employee acted in concert, or aided and abetted, the fraudulent principal ( s ). This is not merely owing to the incoming calls on XX/XX/XXXX from a Chase-affiliated phone number nor the perfectly orchestrated delivery timing of the pin codes. Most remarkable is the fact that I was locked out of my account, which multiple Chase agents insist was not effectuated by Chase. If it had indeed been a fraudster who merely accessed my ID and password, I would have been alerted via e-mail or text when either were changed to lock me out. Even if said fraudster had hacked into my e-mail account, the incoming notification from Chase would have registered on my laptop, XXXX, or XXXX watch before it was deleted. And due diligence suggests that this concept should not be foreign to Chase as there have been multiple federal indictments of employees of banking institutions who have been charge with aiding and abetting embezzlement in the past several years. III. CONCLUSION Based on the foregoing, we are requesting that Chases executive fraud team find that I am not at fault for any the loss owing to the unauthorized wire transfer and promptly reimburse the {$19000.00} that Chase recklessly approved without justification. | ||||||
| 01/02/2021 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX CARED XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( XXXX ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ). SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX | ||||||
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| XX/XX/XXXX To, Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX SUBJECT : Request for help. I am victim of Retaliation by CHASE Bank for filing complaint to CFPB ( CFPB Complaint IDs XXXX and XXXX ), and constant persistent threat to myself ( COVID patient and symptomatic affected by Pandemic ). CHASE employees acceptance that it is CHASEs fault as CHASE was unable to implement the best measures against online hacking & alerting and the credit card balance ( interest/late fees ) by CHASE is direct result of the Hack ( security breach ) of CHASE savings Acct. Hello CFPB, I have offered to make payment to CHASE, for credit card accounts ending in XXXX and XXXX. Although I have CHASE active credit card and active online account. CHASE has declined to receive payment online or over phone on XX/XX/XXXX. Also, I have been tested XX/XX/XXXX and XX/XX/XXXX, therefore it was not possible for me to make payment to CHASE until IXX/XX/XXXX and XXXX. As per the latest communication with CHASE on XX/XX/XXXX, CHASE employees have agreed and apologized over phone and accepted CHASEs fault as CHASE was unable to implement the best measures against online hacking & alerting for savings account. Therefore, Kindly please remove the negative remarks. CHASE must remove all late fee and interest charge balance starting from the very first Fraud transaction on CHASE Credit Cards of identity theft victim ( myself ). For XX/XX/XXXX conversation with CHASE the employees who have apologized and mentioned that it is CHASEs fault that CHASE failed to protect my savings account during a recorded call is as follows : 1st CHASE employee ( agent ) Name : XXXX ID : XXXX Also, I have discussed the following ( about making payment and calculating the correct balance ). The name of the agent is as follows : 2nd CHASE employee ( agent ) Name : XXXX XXXX : XXXX FL Following was discussed and I offered to pay CHASE the purchase amount that was not communicated ( and separated out from late fees/interest ) during the investigation of the Identity theft case resolution period and during the time when Fraud was happening to my CHASE savings account that paid the CHASE card. But there was Interest in XXXX during the time when the Fraud was occurring to my CHASE savings account leading to very low balances and the CHASE banker ( Ms. XXXX XXXX XXXX during year XXXX XXXX meeting had verified that everything is find and there are no interest and fees in any of the CHASE accounts ( Either Bank or Credit Card ). However, to my surprise there were such late fees and transaction limit fees and late fees/interest from CHASE during this period of XXXX and also XXXX. During successive meetings in XXXX, MsXXXX XXXX XXXX and Mr. XXXX XXXX ( Asst. VP ) of CHASE at another branch during XX/XX/XXXX meeting. I have sent letters of the meeting ( and email proof ) that CHASE employees have promised me that there will be no interest or late fees from CHASE. However, since the start of the Fraud in my savings account and year XXXX, CHASE has been not honoring this promise. Following is the Summary of CHARGES by CHASE : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CARD ending in XXXX XXXX In XXXX, XXXX the balance was {$270.00}, however, my CHASE savings account was completely wiped out due to the online hack that happened to CHASE. ( Still on XX/XX/XXXX, I paid {$110.00} from my COVID emergency funds ). Also further in XXXX I tried making payment of {$1.00} and it was rejected by CHASE. Overall, for this account, there were {$27.00} late fees from XX/XX/XXXX to XX/XX/XXXX XXXX + XX/XX/XXXX {$37.00} ). XXXX to XXXX Late Fees/Interest : TOTAL AMOUNT OF LATE FEE ( From XX/XX/XXXX to XXXX, XXXX = {$170.00} ) TOTAL AMOUNT INTEREST ( From XX/XX/XXXX to XXXX, XXXX = {$18.00} ) - ( Out of that Interest All Interest Charge Credit XXXX ) = XXXX ( total ) No Late Fee in XX/XX/XXXX Late Fees/Interest : AMOUNT OF LATE FEE ( From XX/XX/XXXX until XXXX, XXXX = {$190.00} ) - ( There is no late fee in XXXX, XXXX ) - ( Out of which Refunded was {$100.00} ) TOTAL = {$91.00} TOTAL AMOUNT INTEREST ( From XX/XX/XXXX until XXXX, XXXX = {$40.00} ) - ( Out of which Interest Refunded was {$17.00} ) TOTAL = XXXX GRANT TOTAL : {$170.00} + {$91.00} + {$23.00} XXXX TOTAL = {$280.00} cents ( Balance of Card is all Fees ) ON XX/XX/XXXX card has been showing balance = {$280.00}. During the Phone Calls with CHASE during every month of XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and during in person meetings with Bank officials ( Ms. XXXX XXXX and in XXXX ( document/letters sent to CHASE ), CHASE will not charge any interest or late fees to me for year XXXX and year XXXX. Considering the fact that my Account has been compromised since XXXX timeframe of year XXXX. This means that I overpaid the purchase amount calculation. FINAL BALANCE : So for Account CHASE OWS ME {$3.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CARD ending in XXXX In XXXX, XXXX I paid {$970.00} approximate amount equivalent that covers all of my purchase ( as per agent advise and bankers advise this should cover my purchase ). Remember I paid from my COVID emergency fund during time when my CHASE savings account was wiped out. Therefore, in XXXX, XXXX the balance was {$160.00} Also, {$35.00} is amount I paid on XX/XX/XXXX but it bounced back to them on the XXXX due to Saving Acct closing by CHASE ). CHASE charged me bounce back fees and further late fees due to this ). Also further in XXXX I tried making payment of {$1.00} and it was rejected by CHASE. XXXX to XXXX Late Fees/Interest : ( There were No late fees in XXXX XXXX TOTAL AMOUNT INTEREST ( From XX/XX/XXXX to XXXX, XXXX = {$140.00} ) - ( Out of that Interest No Credit was given ) = {$140.00} ( total ) XXXX Late Fees/Interest : Late fee started on XX/XX/XXXX AMOUNT OF LATE FEE ( From XXXX, XXXX until XXXX, XXXX = {$140.00} ) - ( There is no late fee in XXXX, XXXX ) - ( Out of which Refunded was {$100.00} ), So {$140.00} - {$140.00} TOTAL = {$0.00} TOTAL AMOUNT INTEREST ( From XXXX, XXXX until XXXX, XXXX = {$23.00} ) - ( Out of which Interest Refunded was {$10.00} ) So {$23.00} - {$10.00} TOTAL = {$13.00} GRANT TOTAL : {$140.00} + {$13.00} GRANT TOTAL = $ {$13.00} cents ( Balance of Card is all Fees ) During the Phone Calls with CHASE during every month of XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and during in person meetings with Bank officials ( Ms. XXXX XXXX and in XXXX ( document/letters sent to CHASE ), CHASE will not charge any interest or late fees to me for year XXXX and year XXXX. Considering the fact that my Account has been compromised since XXXX timeframe of year XXXX. ON XX/XX/XXXX card is showing = {$200.00} Therefore as per calculation and first time knowledge, I may owe CHASE {$49.00} ( that I may OWE CHASE minus {$3.00} ( which CHASE Owe me ) = {$46.00} amount as discussed Note : CHASE declined to receive this payment of {$46.00} or more $ amount over phone. Name : XXXX ( said she can not take a payment over the phone for {$46.00} or more $ amount over phone ). This CHASE employee also mentioned over recorded line CHASE Bank and CHASE Card member services are one and the same entity. This implies that any communication with CHASE Bank suffices as communication to CHASE Card member services as well. CHASE employee Ms. XXXX advised to go to the Bank ( even during COVID times, when I had COVID symptoms and make payment ). However, Bankers at local CHASE Bank XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ) after scheduling appointment still unwilling to Assist and in fact threatening to call the police if I discuss anything regarding my CHASE Fraud issue & related CHASE Bank or credit card issues at local Bank location. Upon request to assist CHASE employee constantly threatening to leave CHASE Bank premises. Documented evidence ( proof is this is attached/enclosed. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Also, offered to make payment to following agent over phone and I declared that I have been diagnosed COVID +ve and have symptoms. The Agent declined to receive payment over the phone and advised me to go to CHASE Branch to make payment. 3rd Agent : Name : XXXX Location : XXXX MO Note : CHASE here, twice declined to receive this payment here in spite of me insisting to take payment. Most importantly, this CHASE employee also mentioned over recorded line CHASE Bank and CHASE Card member services are one and the same entity. Please know that I shall only step in CHASE Bank for making this payment if my COVID test result was negative and have no symptoms as I am a responsible person, financially and socially. Since criminals ( hackers ) used their own XXXX account to conduct hacking and convert currency from US $ to XX/XX/XXXX. XXXX has indicated over recorded line conversation in XXXX, XXXX that they always notify any currency exchange transactions and it is also CHASEs responsibility to alert me when this happened in XXXX and XXXX via 33 unauthorized transactions that wiped my CHASE savings account clean ( XXXX balance ). Also, XXXX has indicated over the communication ( screenshot/proof attached XXXX, that they have been waiting for CHASE to reach out to them so that the money is refunded to me. Please find the proof ( statement details attached ) on exactly when the full refund took place and this issue has been resolved in my favor ( in victims favor ). It was very late and heavy COVID time during with I needed funds to manage COVID ( if in case emergency and family needs ). Myself and family members were also diagnosed with COVID in mid to late XXXX. I had notified CHASE that I was impacted by COVID, but they have failed to help me by removing interest/late fees. Even during these time I tried making payment to CHASE ( {$1.00} ), to ensure that I am able to make payment, however the payment was declined by CHASE. I have been very responsible and in good faith, I have paid all the Purchase transactions to CHASE credit Cards using my COVID/Pandemic emergency funds. I have paid CHASE even before the fact that any amount of unauthorized transactions were refunded to me. On XX/XX/XXXX, XX/XX/XXXX the CHASE Bank in XXXX Texas XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) was notified and Bank representative Ms. XXXX XXXX also notified the CHASE Credit Card Dept. HARRASSMENT BY CHASE during COVID/Pandemic times : Collection Calls : Continued Calls by CHASE for collection on daily basis. On XX/XX/XXXX Again, I hag spoken to CHASE Agent on a recorded line. Agent First Name : XXXX In the Call Agent did not share following info : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Declined to Provide Email Agent of CHASE Credit Card Dept. mentioned that I must report Fraud separately to CHASE credit card dept. ( Although CHASE Bank and CHASE Cardmember services are same entity ). Decline to provide the most updated address of CHASE Fraud Dept. report this issue. Agent Name : XXXX Location : XXXX. Agent kept declining to give an address to Report Fraud, because as per XXXX ( Agent ), mentioned that CHASE does not have address to Report Fraud. Agent also mentioned that one can only report Fraud over phone and Online. Declined to Give Address. Agent mentioned that once I have reported Fraud on CHASE online website ( which I did on XX/XX/XXXX to XX/XX/XXXX XXXX, the Credit Card Dept. is automatically notified of the Fraud against any CHASE accounts and there is no need to notify further. Agent suggested to report the charges during Fraud ( as a direct result of fraud online. I have done this multiple times. Proof attached. Also, on XX/XX/XXXX I spoke with Senior Specialist Agent to assist with address for Fraud Dept. for CHASE credit card : Agent Name : XXXX Location : XXXX IL Agent Mentioned that system is not working and could not get address. Agent also mentioned that there is no address to write to for Fraud. Agent : Declined to Give Physical address. Also mentioned that CHASE does not have such address. Also, on XX/XX/XXXX Again, I have spoken to CHASE Agent. XX/XX/XXXX Conversation with CHASE Employee : CHASE ( Employee? Agent ) Name : XXXX A Location : Texas XXXX XXXX XXXX XXXX Case Number : XXXX Agent could only refund ( Late Fee & Interest ) - {$100.00} for card ending in XXXX Agent could only refund ( Late Fee & Interest - {$110.00} for card ending in XXXX This was the maximum allowable refunds in CHASE employee ( agents ) capability and she promised that CHASE will refund all late fees and interest from the very first time the Fraud had happened. Agent also mentioned that CHASE Credit Card will take some time to finish this investigation and promised to refund all the late fees. Agent also confirmed that the balance on either one of the credit card accounts, is due to late fees, interest and transaction bounce back fees only. There is on amount equivalent to the Purchase amount in the balance carried by these two cards. This was a direct result of CHASE savings Accounts being compromised. As per the Agent and as per proof that all 33 transactions were refunded, this was a Bank Error from CHASE Savings or Checking Account. This was an error on Banks part. This Bank account was used to pay the CHASE credit Cards in question. Documentation that there was Fraud on Savings Account was also sent to CHASE Bank as well as CHASE Credit Card Dept. and the Bank location of ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to banker Ms. XXXX XXXX and also to Mr. XXXX XXXX ( Asst. VP ) of CHASE Bank Branch, who have the documentation and police reports and FTC reports of Fraud and also promised to notify the CHASE Credit Cards and follow up on this case. That being said, since I have notified your Bank and Credit Card Dept. in due time, I do not believe that I ( the victim ) should be liable for payment of any late fees and/or transaction bounce fees of CHASE Credit Cards, which were paid by compromised savings account. If this was the case, CHASE should have notified me about this in writing that we hold identify theft victims liable to immediately pay CHASE, even if there is no balance in account. My savings account had been wiped out completely leaving me and my family in a desperate and dire situation during the Pandemic. Because this account was closed by CHASE, hence the payment did not go through and CHASE Credit Cards, in spite of knowledge of the theft, kept charging late payment and interest. In multiple calls and emails, I have requested CHASE Credit Card to Freeze the Cards and they havent done so. Instead, CHASE has reported late payment to Credit Agencies, resulting in my Credit to be reduced for over XXXX50 points ( FICO score reduced from XXXX to XXXX ) during the months of XXXX to XXXX. CHASE Credit cards should not have done such negative reporting to someone who has been a victim of identify theft. Especially, after the Case has been resolved in Victims favor. Also, during the months of pandemic, I believe as per law, a company should not report bad information ( late payment ) for anyone, especially not the customer who has been victim of identity theft. Attached : Statement describing transaction reversal of the latest unauthorized transactions. Note : Remaining of all of 33 transactions have been proven to be unauthorized and case has been in favor of victim ( myself ). Following are the names of Agents that I had conversation at CHASE Credit Card Dept. AGENT NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Agent was not willing to give Email. Case Number : XXXX Dates of Credit Card Closures : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Agent mentioned over recorded line to prove that this was either a Bank Error ( or unauthorized transactions ) from CHASE Savings or Checking Account and all late fees and interest charges will be refunded. Agent mentioned to remind the CHASE executive office that they should communicate to CHASE credit card that this was an error on their part ( and transactions were unauthorized. Also agent said that they need documentation that there was Fraud on Savings Account. CFPB Ombudsman, Kindly have the CHASE Bank streamline their process by sending the documentation attached in this email to CHASE Credit Card services at the address mentioned above, or otherwise deemed suitable to you. I have send communication to CHASE as directed by CHASE agents. CHASE must remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identify theft victim ( myself ). CHASE, must remove all the late fees and do the following steps : 1 ) CHASE must send me letter that Late fees were a result of non-payment of Credit Card during the Fraud investigation process from the Compromised account ( and the Account was wiped out by Criminals ). 2 ) CHASE must acknowledge that CHASE only refunded 60 days of amount ( starting from first Fraud date ) at the start and only after investigation was over refunded the rest of the 33 transaction. This was during Pandemic times. 3 ) CHASE must acknowledge that 33 transactions and associated fees were refunded to me as they were proven to be unauthorized. 4 ) CHASE must acknowledge that during and after investigation was over the late fees on the CHASE credit card were on the balance of only the late fees and interest of year XXXX and year XXXX, they acknowledge that CHASE started charging late fees and interests after XX/XX/XXXX as well for card ending in .. XXXX and balance on the late fees that started charging on XX/XX/XXXX i.e. during the time of the Fraud investigation and during the time of COVID pandemic. 5 ) CHASE must acknowledge that my compromised savings account which paid these cards had very low balance in year XXXX and XXXX balance in XX/XX/XXXX, ( and then minimal balance of pandemic emergency funds as CHASE only refunded 60 days of transactions ( starting from first Fraud ). During this time of investigation, I still paid of the purchase amount of the CHASE Credit Cards. ( from my COVID/pandemic emergency funds ) 6 ) CHASE must acknowledge that I have paid the amount approximate to the full purchase amount ( in XX/XX/XXXX, and XXXX XXXX ) of both these credits cards. CHASE must acknowledge that my attend to make payment of {$35.00} in XX/XX/XXXX and also {$1.00} to both the cards have been declined by CHASE. 7 ) CHASE must acknowledge that and the balance on the cards as of now is due to Late fees only ( since I will be going to bank and paying {$46.00} or more $ amount at CHASE bank from my COVID emergency fund ), that were charged during the time of Fraud in year XXXX and during investigation of the Fraud. 8 ) Also, CHASE must acknowledge that CHASE did not remove all of the late fees and interest, rendering the balance to be XXXX, because the victim ( myself ) paid off CHASE Credit Cards approximate purchase amount ( as per agent advise ) even during Pandemic time and even though during the time period when I was victim of identity theft. CFPB Ombudsman, I would kindly require your help to direct CHASE to immediately initiate the process with Credit Reporting Agencies and CHASE credit cards for removing any negative remarks on my Credit History, as soon as possible. CHASE must send me documentation of STEPS taken by CHASE to undo the damage they inflicted to my credit score. CHASE must have complete these actions by XX/XX/XXXX, as per earlier communication. However, I am have given many weeks. I am now giving one more week to CHASE, so by XX/XX/XXXX ( or before reporting Major Delinquency ) CHASE must complete these steps Also, if CHASE declines to provide clarity and accept payment. Please indicate within 48 hours in email ( writing or letter ). Please know that I shall only step in CHASE Bank if myXX/XX/XXXX negative and have no symptoms as I am a responsible person, financially and socially. This can be resolved in most ethical manner. However, if CHASE continues practices of demanding payment ( of late fees/interest from me, who is XX/XX/XXXX), I shall have no option but to first resort to Social Media and News/Media in order to describe the injustice and negligence of CHASE and lack of capability of CHASE to protect my Savings accounts against Fraud. CHASE now has to communicate to Credit Agencies that CHASE employees at local bank has been unwilling to assist and CHASE must Undo the Damage which CHASE inflicted on identify theft victim XX/XX/XXXXvia an Expungement Letter and other means. CFPB, Kindly please help with this matter & Please stay safe during pandemic. Thank you, XXXX XXXX Ph : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX | ||||||
| 06/04/2019 | Yes |
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| -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/2019 at XXXX XXXX Subject : Fwd : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud To : XXXX Begin forwarded message XXXX From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX PDT To : XXXX Subject : Fwd : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud Hi there, I am writing to provide a written record of my experience with XXXX. I will not sign a hold harmless letter at this time as it is my understanding that XXXX is fully liable for enabling their client 's scam behavior. I am on a call with one of XXXX 's representatives now who has informed me that there is not a local email that I can sent my full report to, and thus I am emailing this email. As a result, XXXX has on file a full record of what transpired and this can be referenced by XXXX representatives moving forward. Please let me know what questions you have. Best, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sat, XX/XX/2019 at XXXX XXXX Subject : Follow-up : XXXX XXXX Police Report Filing on Saturday XX/XX/2019 by XXXX XXXX Regarding Fraud To : XXXX Hi Officer XXXX, Thank you for taking your time to speak with me today and file a police report regarding the fraud I experienced on XX/XX/2019. Please find enclosed a detailed account of what occurred and what I have provided to my bank ( JP Morgan Chase ) in order to move forward with a Fraud claim I have filed with JP Morgan Chase. -- Start Secure Message To JP Morgan Chase -- I write to file a report in writing for a scam that was committed. On XX/XX/2019, I reached out to a property manager, XXXX XXXX, regarding a XXXX posting. XXXX 's email is XXXX and his phone number is XXXX. On XX/XX/2019, I completed a full rental application and was accepted. I was told to send {$3300.00} to the Landlord, XXXX XXXX, as outlined in the lease agreement. This amount was to cover the first month of rent plus the security deposit. XXXX 's email is XXXX. I do not know XXXX 's phone number. On XX/XX/2019, I sent the requested {$3300.00} to : Account Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Swift Cose : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX. More happened and I can explain this if you would like me to. But the next big event is that I was told that I had to send another three months rent in order to secure the location. The lease agreement was updated to document this change in payment, and then I wired the requested amount. On XX/XX/2019, I sent the requested additional {$3900.00} to XXXX XXXX at XXXX XXXX again. This amount was to cover an extra two months of rent because the landlord said that this was required in order to secure the apartment. They also requested for me to send more money for a tenancy ID after this, but I refused until I moved in on XX/XX/2019. On XX/XX/2019, I went to the location to move in. I received an email the morning of XX/XX/2019 from XXXX XXXX and XXXX XXXX saying that they were not going to come, my contract was cancelled because I did not pay the tenancy ID amount, and that they would refund me the full {$6900.00}. On XX/XX/2019, I did not see a refund, and I reported the fraudulent activity to my bank, JP Morgan Chase. On XX/XX/2019, I reported the fraudulent activity to XXXX XXXX bank. On XX/XX/2019, I filed a police report in XXXX XXXX, CA. The police report number is XXXX. The emailI have on file for the XXXX Police is : XXXX. On XX/XX/XXXX, I called XXXX XXXX to provide the police report case number as well. I was notified by JPM that my wire recalls from XXXX XXXX were denied and that JPM can not help me anymore. I was advised by JPM to reach directly out to XXXX XXXX bank. I reached out to XXXX XXXX bank, and I was told that I can not receive any more information about this case, as this is a bank to bank process and that JPM has to reach out to XXXX XXXX so I should speak with someone from my bank. I went into a JPM branch today in XXXX XXXX, CA and spoke with XXXX XXXX. I was advised to send a secure message with the relevant information and am doing so now. Please also find attached a copy of the lease agreement. Thanks, XXXX -- For reference please find enclosed a trail of emails. The following conversation thread are words passed throughout XX/XX/2019. On Thu, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : Hello ! I am interested in the XXXX XXXX condo you posted on XXXX. Given it all checks out, I can move in XX/XX/XXXX and pay one month 's rent upfront. For reference : My credit score is regularly +800. I have a full time job. I don't drink or do drugs, just a lot of yoga and meditation. I also play violin, but will probably do that at XXXX. At your convenience, please let me know if this location is still available and what information you need from me to proceed. Cheers, XXXX I received a response from the property manager, XXXX. XXXX XXXX XXXX XX/XX/2019, XXXX XXXX to me Hi XXXX, Thanks for contacting me ; i am the property manager of the apartment you inquired about ; Beautifully updated 1 bedroom, 1 bathroom condo in XXXX XXXX . Sleek kitchen boasts new stainlesss appliances, quartz countertops and marble backsplash. A/C and additional storage room by parking. Perfect investment opportunity. Located in XXXX XXXX with close proximity to XXXX XXXX XXXX 's, XXXX XXXX, XXXX XXXX shops and XXXX. Award winning XXXX XXXX School District!. **The apartment is 800 sq. ft. Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Bedrooms : 1 BD Bathrooms : 1 BA Style : Condo Parking : 1 Parking space Fully furnished ( but can also be rented unfurnished ), if you care about security this is the place to stay and its pet friendly. Lease term is flexible, month to month, 6 months or 1 year lease term ... .... which can be renewed when it expires. * Available furnished {$2000.00} * Available unfurnished {$1800.00} * Security Deposit ( Refundable ) {$1500.00} Utilities ( Electricity, water, parking, gas, heat and sewer ) are included in the monthly rent ; and you can have it reserve now for your move in date if you wish. Please keep in mind that our homes are very popular and are leasing extremely fast. I don't want you to miss out on the perfect home ; I strongly recommend beginning the process ASAP to secure your home & special leasing rental rates! If this apartment satisfies what you are looking for, do let me know so that I can forward to you the tenancy form, lease contract for review and reservation details for booking. Lastly, please note that 1 other possible renter have shown interest in this apartment also, and I will be obliged to rent out to anyone that makes reservation now. My Regards, XXXX XXXX XXXX PS : The apartment will only be available for viewing from XX/XX/XXXX So you can schedule to come view the unit between XXXX and XXXX. Do let me know if you would like to begin the application process now so that I can forward to you the tenancy form. I responded. XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX Hi XXXX, Of course . Thank you for your prompt response. Wonderful. I would like to reserve the spot now and start the process with you. Please send over any required documentation. In addition, may I swing by to see the location today or tomorrow? Best, XXXX And I responded a second time. XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to XXXX Hi XXXX, Two additional notes : 1. With regard to renting the location furnished or unfurnished, I would like to see the location first before I make that decision. 2. With regard to the lease term, I am interested in 6 months initially. Given that my first few months are pleasant, I am interested in extending longer. Best, XXXX XXXX responded. Hi XXXX,, This is to acknowledge your interest to begin the application process and reserve the apartment. I am glad to know that this apartment satisfies what you are looking for. So you can have the apartment reserve now for your desire move-in date if you wish. Please note that the property is privately owned and there is no application fee for this apartment. Electricity, garbage and other bills are included in the rent, fully furnished with sheets, towels and kitchenware and can also be rented unfurnished, if you wish to bring your furniture you are free to do so. There is Washer/Dryer in the unit. As mentioned in my previous email the apartment will now be available for viewing from XX/XX/XXXX ; this is because the current occupant 's lease expires XX/XX/XXXX and he is expected to move out on or before the lease expiration since he is not renewing the lease, while professional cleaning will be done on the unit the next day. However, I want you to understand that the rental market in XXXX XXXX is competitive, so the apartment is on high demand and if you are really interested in this apartment I will advice you try and secure it now so that you do not loose it to other prospective tenants. Due to the high demand who secures it first gets the unit. To lock down the unit you will have to deposit only the first month 's rent plus the refundable security deposit after completing all the relevant rental documents. The payment is to be made upon signing of the lease contract to the landlord 's account as I am under no obligation to collect money from renter. Note that if you choose to lock down the unit now, and if after you have viewed the unit and you are not satisfied you can request for a REFUND which will be given to you that same instant. The terms and conditions of the contract gives you full refund if you do not want the apartment upon viewing. Lease Plan Available : - One Month rent with a refundable security deposit. - 3 months upfront rent payment attract 10 % discount of the total plus refundable security deposit. - 6 months upfront payment attract discount of 10 % of the total rent plus a refundable security deposit. - Upfront payment a year lease attracts 15 % discount of the total rent with a refundable security deposit. In the meantime, I have attached the rental application form, kindly download the form, fill out all necessary fields and return to me by e-mail or fax along with a copy of your ID and as soon as I receive the filled form I shall forward the lease contract agreement for your review. I will await your earliest response so that we can proceed with the securing of the apartment for your lease duration. My Regards, XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded and provided my driver 's license as well as an attached rental application. Hi XXXX, Yes I would like to reserve the location. Please find attached the relevant application along with my driver 's license enclosed. Best, XXXX XXXX responded and attached the unfilled lease agreement that is also attached here for reference. Hi XXXX,, Once again i have received the scanned copy of your rental application form and copy of your ID.. I am indeed impressed and i will be glad to lease the apartment to you based on your request and the apartment will be ready for XX/XX/XXXX or XX/XX/2019 move-in date. Like i said in my previous email the lease terms is flexible and you can renew it when it expires. Be rest assure that the apartment is yours once the lease agreement has been sign. Parking is included in the rent and there is WIFI/Internet in the unit. I have sent you the lease contract agreement attached below, go through it and if you agree to the terms and conditions of the apartment you can go ahead and make deposit now to have the apartment reserve for you until your move-in. Monthly Rent : {$1800.00} Security deposit : {$1500.00} To make reservation, you are to make deposit for the first month rent ( {$1800.00} ) plus the security deposit ( {$1500.00} ), which totals {$3300.00} to the landlord account details below ; The terms and conditions of the contract gives you full refund if you do not want the apartment upon viewing. Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Beneficiary Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX You are to fill out your name ( s ) where applicable and your move-in and move out date. You are to email or fax the lease contract signed and a copy of the wire transfer slip, as soon as payment is made and agreement signed the lease is yours. I will advice you try and secure it now so that you do not loose it to other prospective tenants who are also in contact me now. Like I said before who secures it first gets the unit. You should also note again that if for whatever reason when you get to view the apartment ( before move in ) you no longer want to take up the lease your deposit is fully refundable to you in cash. This is the law too although i am 101 % sure that will not happen but just so you know. Please confirm receipt of the lease contract agreement and let me know your decision. We look forward to a pleasant landlord/Tenant relationship when you move in. My regards XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded with the rental agreement and a wire confirmation, also attached here. Hi XXXX, Please find attached the lease agreement along with my confirmed wire transfer. At your earliest convenience, please let me know when I can see the space and/or if I can also receive a layout of the space. I would also like to speak with you or XXXX over the phone or meet you in person this weekend prior to moving in. Best, XXXX XXXX responded : Hi XXXX, Once again thanks for your phone call and your email, i have gotten the scanned copy of your signed lease contract agreement and copy of the wire receipt. everything is okay with the signed lease agreement and we are good to go. Please note that i have a busy schedule for this weekend except if we will have to do it by Saturday or Sunday XXXX, as i am currently very busy finalizing arrangement for my late mother burial. Let me know if the timing works for you or we can do Tuesday XXXX next week. Please keep me posted and see you soon. My regards, XXXX XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I responded : XXXX, I am so sorry for your loss. I appreciate that you responded to me so swiftly, even during this difficult time. I am happy to accommodate XXXX PT Saturday or Sunday, or can set aside time to come by Tuesday at XXXX PT. Please let me know what is most convenient for you. My deepest sympathy, XXXX I felt weird about the email XXXX sent me so I responded the following : XXXX, I would like to meet in person tomorrow morning actually. Let 's meet at the apartment location. I am going to stop payment until I meet you in person. Thanks, XXXX And I also said : I don't mean to be harsh but I just got another email from someone telling me I was scammed out of nowhere so I'm feeling like I want to make sure this is real before I push the money through. On XX/XX/2019 at XXXX PT, XXXX responded : Hi XXXX, This is really embarrassing that you got email from someone else that you been scammed, can you do me a favor? by sending me copy of the email and also i can only meet with you tomorrow between XXXX to XXXX. Let me know if this will work for you and also i have to warn however that there has been indicated interest to make deposits for the apartment today by other applicant that infringes on the time you want the apartment for and i am bound by law to uphold any lease agreement signed where deposit has been made. Like i said before i will suggest that you not to stop the payment so you don't miss the unit and be 100 % assure that you will get your full refund if for any reason when come to view the unit tomorrow and you don't want it. Do get back to me and let me know your position and i also await copy of the email you got from the person telling you that you been scammed. Please i need that favor from you so i can verify that. Thank you and XXXX bless. My regards XXXX XXXX XXXX I then responded : Hi XXXX, Yes. This is embarrassing. And I feel really uncomfortable sending over the {$3300.00}. But, the one time I actually cant meet today is after XXXX, as I have meetings straight from XXXX in XXXX. So, to secure my spot, I just rewired over the {$3300.00}. I really hope you arent scamming me. Please let me know when we can meet tomorrow. Best, XXXX XXXX then responded : Hi XXXX, Once again i have gotten the your email and the corresponding email from the other person and at this point i will advice you to disregards every email and stop further communication with them to avoid be scammed. I have same issue with this same person last 2 months with one of my apartment and these people will only deprive you from getting your home end up wasting your time and money. Like i said before you need to be very careful and ignore every email from them and do everything to finalize with the this lease so you don't miss out the place. Do follow up with your bank and let me know if the payment has gone through and as soon as i get the details and confirm i will also issue you a certified Landlord association receipt acknowledging payment. I hope this works for you and let me know your decision. My regards XXXX XXXX XXXX Along with : XXXX, No problem, I understand. and thanks for your understanding and trust in me, be 100 % assure that the unit is yours and i look forward meeting you tomorrow. And another : Also send copy of the new wire receipt to me for my records. Thanks And another : Hi XXXX Please send scan copy of the new wire receipt for my perusal or is the old one still valid? Do keep me posted. My regards, XXXX XXXX I then responded saying : Ok I will send confirmation shortly. Can you meet within the next hour by any chance? Or, can we meet tomorrow morning around XXXX or XXXX or XXXX PT? Followed by a one line email sending my wire confirmations, attached here for reference : Please see attached for all wire receipts. XXXX responded : Received, thank you and like i said before still busy finalizing arrangement for my late mother burial and i will let you know if tomorrow XXXX will work, if not we will have to do it for tomorrow evening as schedule. I hope its okay with you. Thanks again for your understanding and cooperation and i really look forward toward a good relationship when you move in. Regards, XXXX I responded : Hi XXXX, Ok. Thank you for letting me know. Again, I am really sorry about your loss. At the same time, I trust you will understand how this situation could come off as a scam. I look forward to meeting you live and a good relationship when I move in too! I really hope this all checks out! Best, XXXX XXXX responded : Thank you for your understanding and do have a great day There are quite a few other emails, but those are the main ones for you to understand what the conversation was. On XX/XX/2019, XXXX reached out again : Hello XXXX, Sorry for not responding back to you immediately, my apologies, i have been so busy and I am so sorry will not be available by XXXX or XXXX today due to unforeseen circumstances beyond my control and will be have to reschedule this after the weekend, moreover the current tenant just informed me that she out of the city for the this weekend.. I will be available as from Tuesday XXXX Morning I will be able to hand over the keys to you then if you decide to retain the unit after we have viewed it. You will still have ample time before you move in by the XXXX.I can assure you that the unit is ready to move in and you will not need to make any repairs or clean ups.I sincerely apologize for any inconveniences this may cause you. I will see you any time on Tuesday that works best for you. Thanks for you patient and understanding. My regards XXXX XXXX Hi XXXX, Attached below are the photos of the unit and the email from the current tenant. I will see you on Tuesday morning and handover the keys to you. -- End Secure Message To JP Morgan Chase -- | ||||||
| 01/10/2019 | Yes |
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| My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my XXXX XXXX daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX-XXXX XXXX and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that afternoon I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XX/XX/XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX veteren, I am XXXX XXXX and we have XXXX XXXX XXXX XXXX XXXX needs children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next morning first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs ssi benefits on the XX/XX/XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. I called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX XXXX XXXX veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX children and youre doing this right before XXXX leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... So I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. So I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours and as soon as it did they would issue and mail me a check and the latest i would have that would be the XX/XX/XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. So I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started googling what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XX/XX/XXXX taxes and owe {$1500.00} immediately. I had never gotten my XX/XX/XXXX taxes it was being audited and they were still researching it. I tried to call irs but the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on XX/XX/XXXX I got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. I got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. On XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XX/XX/XXXX. I also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XX/XX/XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. I got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. She said " They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said " You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XX/XX/XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XX/XX/XXXX and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my XXXX daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. I said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. This was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income. | ||||||
| 01/10/2019 | Yes |
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Web | Servicemember |
| My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my special needs daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX XXXX and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that afternoon I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX XXXX, I am XXXX XXXX and we have XXXX XXXX XXXX XXXX XXXX XXXX children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next morning first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs ssi benefits on the XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. I called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX time war veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX children and youre doing this right before christmas leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... So I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. So I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours and as soon as it did they would issue and mail me a check and the latest i would have that would be the XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. So I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started XXXX what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XXXX taxes and owe {$1500.00} immediately. I had never gotten my XXXX taxes it was being audited and they were still researching it. I tried to call irs but the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on XXXX XXXX I got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. I got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. On XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XXXX. I also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. I got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. She said " They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said " You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XXXX XXXX and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my XXXX daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. I said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. This was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income. | ||||||
| 09/09/2019 | Yes |
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Web | Older American |
| RE : Complaint Against JP Morgan Chase, XXXX Home Lending Advisor, Ms. XXXX XXXX and Manager, Mr. XXXX XXXX SUBJECT : Refinancing Home Loan via Chase Home Loan No. XXXX Mr. XXXX XXXX, with regards to your deference to Chase Executive office based upon your interpretation of my e-mail dated XXXX XXXX, XXXX, that the correspondence intimated a threat of suit, perhaps the terseness of the narrative may have animated such an inference, but it was merely a correspondence of frustration invoked by my interpretation of an apparent deficiency of candor in what would appear to be a simple and mechanical process based on basic Standards of Care. From XX/XX/XXXX until Friday, XX/XX/XXXX Ms. XXXX, XXXX Home Loan Advisor, Agent of JP Morgan Chase unacceptable conduct along with email communication that is part of the record clearly supports the allegations of Unfair Business Practices and Fraudulent Business Practices. COMMON SENSE : The Standards of Care which affords common sense to prevail in a style articulated by our SCOUTUS as stated by the following : In interpreting this text, we are guided by the principle that [ t ] he Constitution was written to be understood by the voters ; its words and phrases were used in their normal and ordinary as distinguished from technical meaning. United States v. Sprague, 282 U. S. 716, 731 ( 1931 ) ; see also Gibbons v. Ogden, 9 Wheat. 1, 188 ( 1824 ). Normal meaning may of course include an idiomatic meaning, but it excludes secret or technical meanings that would not have been known to ordinary citizens in the founding generation. District of Columbia v. Heller, 554 U.S. 570 ( 2008 ). OBLIGATIONS : In common language, the state of California articulates the predicate for an obligation by stating the following : CODE OF CIVIL PROCEDURE CCP PRELIMINARY PROVISIONS ( Preliminary Provisions enacted 1872. ) 26. Section Twenty-Six. An obligation is a legal duty, by which one person is bound to do or not to do a certain thing, and arises from : One- Contract ; or Two- Operation of law. ( Amended by Code Amendments 1873 -74, Ch. 383 ) COMMON LANGUAGE : The State of California clarifies the meaning of the terms Contract or by Operation of Law with the following : CIVIL CODE CIV DIVISION 3. OBLIGAGTIONS PART 1. OBLIGATIONS IN GENERAL TITLE 1. DEFINITION OF OBLIGATIONS 1427. An obligation is a legal duty, by which a person is bound to do or not to do a certain thing. 1428. Section Fourteen Hundred and Twenty-Eight. An obligation arises either from : One The contract of the parties ; or, Two The operation of law. An obligation arising from operation of law may be enforced in the manner provided by law, or by civil action or proceeding. ( Amended by Code Amendments 1872 74, Ch. 612. ) A CONTEMPORANEOUS REVIEW OF EVENTS It was XX/XX/XXXX, when my wife and I first made the acquaintance of Mrs. XXXX XXXX as a JP Morgan Chase, XXXX Home Lending Advisor NMLS ID XXXX, at the XXXX, CA branch where she introduced herself and represented that she has a 10-years tenure with JP Morgan Chase as a Home Lending Advisor. As the more knowledgeable person, my wife engaged the financial details of the prospective Refinancing details of the conversation with Mrs. XXXX XXXX, articulating : 1. My wife shared with Ms. XXXX that she believed my Credit Score should be in the range of 700 720. 2. We disclosed that we did NOT want to take any cash out of the property. 3. We also shared with her that we would be paying out of pocket the refinancing cost so please do not wrap any cost into the Loan. 4. We asked how long is Chases Refinance process and Ms. XXXX share 45 to 60 days. We asked whether or not if she could complete the process in 30 days since we would not be taking any cash out. She committed to completing the process in 30 days if we were able to forward all of the documents on the list she provided back to her on Saturday, XX/XX/XXXX. We committed to going home and forwarding to her all of the documents requested on Saturday, XXXX XXXX. 5. Ms. XXXX represented that we would not have to do an appraisal since XXXX XXXX the property at ; $ XXXX. Mrs. XXXX XXXX further represented : 1. After we provided Ms. XXXX with a copy of our current Mortgage Statement. She completed her Calculation using the automated Mortgage Calculator on her desktop, using a Credit Score of XXXX then changing it to XXXX points. The calculation provided an Interest Rate of 3.87 %. 2. Ms. XXXX never disclosed to my wife and I that we would have to provide a Good Faith Fee of {$500.00}. Again, my wife represented to Mrs. XXXX XXXX at the conclusion of the XX/XX/XXXX, meeting that she would immediately send over the requested loan documents as soon as we arrived home, which, Mrs. XXXX appeared to acknowledge in affirmation since it was before XXXX Oclock XXXX. ITENARY OF ACTIVITY My wife sent over all of the documents to Ms. XXXX XXXX as represented as expeditiously upon arrival to home at approximately XXXX XXXX per the e-mail dated XX/XX/XXXX. Reply e-mail from Ms. XXXX indicated that she was gone for the day XX/XX/XXXX and would not return to the office until Tuesday, XX/XX/XXXX. Hello, I am out of office for the remainder of the day. I will however respond to emails Tuesday. For urgent matters reach out to the client care specialist assigned to your loan. Thank you and have a blessed day. Thank you for choosing Chase! When we did not her from Ms. XXXX on Tuesday, XXXX XXXX, my wife called her late Tuesday afternoon. XXXX represented that she never received the documents even though here email reply when documents were sent stated the above message. My wife asked XXXX to look into her Spam/Junk Box. That is when she confirmed she had the documents and that she would prepare the Loan Application. On XX/XX/XXXX, at XXXX XXXX Ms. XXXX XXXX remits e-mail correspondence articulating the following : Hello, Hope all is well. Your loan application is ready. Please connect with me once you review them. The rate was higher due to the credit coming in a little lower, [ Fico Scores, XXXX, XXXX and XXXX, respectively ], but I will reach out to my management if there is anything we can do. One item was missing, the home owners declaration page. Please send that last item as well. Regards, XXXX If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. My wife and I sent e-mail correspondence to Ms. XXXX XXXX on XX/XX/XXXX at XXXX XXXX, stating : Hi XXXX : Below you state, the rate was higher due to the credit coming in a little lower. What is the Fico Score? What is the Rate you are now quoting on the application? What is Chase fee on buying down Points, would you kindly itemize them out so that me and my wife can review? What does your statement below mean where you state, but I will reach out to my management if there is anything we can do? Lastly, the no-reply @ mail-chasemortgage email link for me to sign-up does not work! Also, if it did work, I would be unable to complete the application due to the fact that you DID NOT provide me with a Loan Application Number. We would like to complete this process within 30 days, which you stated that you would be able to make that work but I cant begin the process without a Loan Application Number as well as knowing what Rate you are now quoting and what my Fico Score is coming back at. Can you provide a copy of the credit report so that I can review it for discrepancies? I, We, look forward to your quick response. Best regards, XXXX XXXX and wife XXXX. Later in the afternoon of Wednesday, XX/XX/XXXX, at XXXX XXXX EDT, Ms. XXXX XXXX remitted a reply e-mail in response to the Joint e-mail of my wife and I, sent at XXXX XXXX, by stating the following : Hello, I hope all is well. So, for starters, the information you requested, the credit score range : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Your mortgage loan number is XXXX. This should help with the portal and reviewing the loan application disclosures. For now, the rate we have 4.125 %, APR 4.161 % Total cost of loan {$2200.00}, and we are not in need of an appraisal. With the proposed figures your payment will be {$2500.00} decreasing {$290.00}, and eliminating your mortgage insurance. Buy down the points are the following : 4.00 %, APR 4.0330 %, cost {$3700.00} ( payment {$2500.00} ) 3.875 %, APR 3.9430 %, cost {$5300.00} ( payment {$2500.00} ). Let me know your thoughts, and XXXX you can call me this evening when your home and we can talk and go thru the application over the phone if you like. If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. WHAT IS DECEPTION This communication portends several issues from my perspective ; first there is a matter of dubious candor as articulated in the plain language of California CIV 1709 1710, which articulate the following : CIVIL CODE-CIV DIVISION 3. OBLIGATIONS [ 1427 -3272.9 ] ( Heading of Division 3 amended by Stats. 1988. Ch. 160, Sec 14 ) Part 3. OBLIGATIONS IMPOSED BY LAW [ 1708 1725 ] ( Part 3 enacted 1872. ) 1709. One, who willfully deceives another with intent to induce him to alter his position to his injury or risk, is liable for any damage which he thereby suffers. 1710. A deceit, within the meaning of the last section, is either : 1. The suggestion, as a fact, of that which is not true, by one who does not believe it to be true ; 2. The assertion, as a fact, of that which is not true, by one who has no reasonable ground for believing it to be true ; 3. The suppression of a fact, by one who is bound to disclose it, or who gives information of other facts which are likely to mislead for want of communication of that fact ; or, 4. A promise, made without any intention of performing it. ( enacted 1872 ) BACK AND FORTH BANTERING : Emails dispersed from myself to Ms. XXXX XXXX and my wife to Ms. XXXX XXXX, [ cc and her supervisor, Mr. XXXX XXXX eventually, Executive Director, Mr. XXXX XXXX ] from the period of XX/XX/XXXX XX/XX/XXXX indicate a pattern of deception enumerated in CIV 1710 ( 1 4 ) and may concurrently be in contravention of GOV 12927 ( c ) ( 1 ), which articulates the following narrative in part : GOVERNMENT CODE - GOV TLE 2. GOVERNMENT OF THE STATE OF CALIFORNIA [ 8000 - 22980 ] ( Title 2 enacted by Stats. 1943, Ch. 134. ) DIVISION 3. EXECUTIVE DEPARTMENT [ 11000 - 15986 ] ( Division 3 added by Stats. 1945, Ch. 111. ) PART 2.8. DEPARTMENT OF FAIR EMPLOYMENT AND HOUSING [ 1290012996 ] ( Part 2.8 added by Stats. 1980, Ch. 992. ) CHAPTER4.Definitions [ 12925-12928 ] ( Chapter 4 added by Stats. 1980, Ch. 992. ) 12927. As used in this part in connection with housing accommodations, unless a different meaning clearly appears from the context : ( c ) ( 1 ) Discrimination *** includes provision of inferior terms, conditions, privileges, facilities, or services in connection with those housing accommodations. ( d ) Housing accommodation means any building, structure, or portion thereof that is occupied as, or intended for occupancy as, a residence by XXXX or more families and any vacant land that is offered for sale or lease for the construction thereon of any building, structure, or portion thereof intended to be so occupied. ( f ) Person includes all individuals and entities that are described in Section 3602 ( d ) of Title 42 of the United States Code, and in the definition of owner in subdivision ( e ) of this section, and all institutional third parties, including the Federal Home Loan Mortgage Corporation. ( g ) Aggrieved person includes any person who claims to have been injured by a discriminatory housing practice or believes that the person will be injured by a discriminatory housing practice that is about to occur. ( h ) Real estate-related transactions include any of the following : ( 1 ) The making or purchasing of loans or providing other financial assistance that is for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or that is secured by residential real estate. ( 2 ) The selling, brokering, or appraising of residential real property. 15 U.S. Code 1639. Requirements for certain mortgages : ( a ) Disclosures ( 1 ) Specific disclosures in addition to other disclosures required under this subchapter, for each mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, the creditor shall provide the following disclosures in conspicuous type size : ( A ) You are not required to complete this agreement merely because you have received these disclosures or have signed a loan application. ( o ) Affiliate defined for purposes of this section ; the term affiliate has the same meaning as in section 1841 ( k ) of title 12. ( 1 ) Exemptions the Bureau may, by regulation or order, exempt specific mortgage products or categories of mortgages from any or all of the prohibitions specified in subsections ( c ) through ( i ), if the Bureau finds that the exemption ( A ) is in the interest of the borrowing public ; and ( B ) will apply only to products that maintain and strengthen home ownership and equity protection. ( 2 ) Prohibitions : The Bureau, by regulation or order, shall prohibit acts or practices in connection with ( A ) mortgage loans that the Bureau finds to be unfair, deceptive, or designed to evade the provisions of this section ; and ( B ) refinancing of mortgage loans that the Bureau finds to be associated with abusive lending practices, or that are otherwise not in the interest of the borrower. The sole and exclusive disclaimer made by the agents of Chase, which appears to countervails 15 U.S. C. 1639 ( a ) ( 1 ) ( A ) is the following statement : Ms. XXXX as an Agent for JP Morgan Chase lied when she stated to me and my wife that : 1. JP Morgan Chase uses the lower of the fico score when offering Loan Terms and Interest Rate to me and my wife. 2. She lied when she presented to me and my wife that JP Morgan Chase selection of the lowest Fico Score was due to Chases Guideline ( s ) /Policy. 3. When we asked for a copy of Chases Guidelines, she and her Manager, Mr. XXXX lied when they stated that JP Morgan Chase Guidelines are Internal documents and are not given out. 4. When Ms. XXXX tried to cover Ms. XXXX lie. XXXX XXXX instructed myself and my wife during a phone call between the parties that the only thing we needed to do was to get a written Quote from a competitor and submit it back to her because Chase does meet their Competitors Pricing and Interest Rate. However, when we submitted a written Quote from a competitor, Mr. XXXX in support of Ms. XXXX stated in an email communication that Chase DOES NOT meet competitors pricing and since we had NOT provided a {$500.00} Good Faith Fee and did not submit all documentation [ which we did ] we had until end of business to complete the loan application reflecting the XXXX Fico Score and Pricing or cancel the process. 5. Ms. XXXX email response to my wife when my wife sent her the competitors Pricing/Interest Rate using a XXXX Fico Score as Ms. XXXX instructed us to do with the words, where did you get this from. Never addressing that fact that the Interest Rate quoted was 3.625 % and we did what she asked of us. 6. Ms. XXXX was asked NOT to load ANY of the cost into the Loan. She did it anyway and when asked several times to update the Loan Amount she did not complete that task until Friday, XXXX XXXX evening when she was on her way out the door for the week. 7. Ms. XXXX lied when she sent me the initial MyHomeChase email to login and/or create login credentials in order to begin the process. Ms. XXXX FAILED to provide me with the Loan Application Number. When my wife called her regarding my inability to move forward before the 24 hours account creation expired, Ms. XXXX stated that she did not provide the Loan Application Number because she wanted me to give her a call when I discovered that I could not move forward. 8. It was during my wife phone conference with Executive Director, Mr. XXXX XXXX on Friday, XX/XX/XXXX at XXXX that he confirmed the lies that Ms. XXXX represented on behalf of Chase. It was disclosed that Chase DOES uses the Middle Fico Score not the lowest. It was also disclosed that Chase did not have any such Guideline ( s ) /Policy of using the lowest Fico Score as previously represented to us by Ms. XXXX XXXX It was disclosed that Ms. XXXX did NOT 10 years of experience as a Home Loan Advisor with Chase. Mr. XXXX further confirmed that Ms. XXXX has worked for Chase for several years as a Teller along with assisting other Loan Advisors. I believe he also stated that my home loan application was the first home loan application that Ms. XXXX has worked on ALONE. Mr. XXXX in Good Faith did offer my wife the option for us to move the application over to Chases XXXX location, but my wife decided to give Ms. XXXX the benefit-of-the doubt and to allow her to learn from her mistakes and complete the application process. I believe Mr. XXXX XXXX stated to my wife that he had a conversation with Ms. XXXX regarding the issues. However, it was a BIG MISTAKE to leave Ms. XXXX in place. It also appears that the conversation that Mr. XXXX had with Ms. XXXX DID NOT WORK! Throughout Friday, XX/XX/XXXX late afternoon Ms. XXXX sent me several misleading emails informing me that my Loan Documents were ready for me to login to MyHomeChase to complete the loan application process and to paid the {$500.00} Good Faith Fee. I emailed her to alert her that the documents had NOT been updated and if she would please email me alerting me when to go back into the portal after she had updated the documents. She then sent me another email late Friday afternoon informing me that my update documents were ready for me to complete and that she would send me a separate email informing me how to access the updated documents. I waited for I believe 2 hours and I emailed her back to share with her that I had not received the separate email. Later in the afternoon/early evening my wife placed a call to her. Her response that she was sorry she missed the call but was out of the office for the remaining of the day and to have a Nice Weekend. Shortly, after that the separate email arrived. I login in once again to view the revised documents and they were still the OLD documents. I email Ms. XXXX back with both Mr. XXXX & Mr. XXXX on the email asking for their help with hanging the revised documents or assisting Ms. XXXX with hanging the revised documents. Neither Mr. XXXX nor Mr. XXXX responded. However, Ms. XXXX did respond and informed me that the rate and pricing would be updated on Monday and that the only thing she did was to change the Loan Amount. She went on to let me know that Mr. XXXX nor Mr. XXXX could handled the process of hanging of the documents and to have a Nice Weekend. In conclusion, as far as I am concerned ALL of the above behavior is a clear representation of Unfair Business Practices and Fraudulent Business Practices which my last email on Friday, XXXX XXXX that Mr. XXXX responded back to and forward to his Executive Office clearly reflects my DISDAINED for being subjected to [ 2 Trusted Agents of JP Morgan Chase ], Ms. XXXX and Mr. XXXX Fraudulent and Unlawful Conduct. | ||||||
| 01/10/2019 | Yes |
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Web | Servicemember |
| My husband and I have been loyal chase customers for over 5 years with no issues at all until starting in mid XXXX I noticed there were alot of unauthorized transactions on my husband and Is account all online purchases, as well as my other two checking accounts ( again all from online purchases ) so I called chase to report the charges and explained they would investigate file reports ( they had to file 3 reports one for each account because they said they couldnt just combine them into one report. ) They asked me if i had ever done business with any of the merchants before and I said no not online. They asked if i had given any one my card number and allowed them to use my card online again i said no. They said okay thank you and closed out these debit cards and would send me new one and i should see a temporary credit on my account for these transactions while they investigated I said great thank you so much. So I got online and printed off all the transactions for my accounts for the last three months and started going thru them and matching them with my receipts. I noticed I had missed some transactions ( seriously there were so many transactions ) and so I called chase bank and explained and asked if i could get these added to the reports they stated no they couldnt do that they had to open 3 more fraud reports. I said ok went thru everything again and again they said I would see credit in the next 12 hours. Ok awesome, So the new cards arrive I activate them and over the next 24/48 hours I use them sparingly just things like gas groceries etc. again nothing online or over {$100.00}. Well I log back on to check my accounts and notice all our accounts were drained or negative. So i start looking at the accounts thinking maybe the credits hadn't hit or they were still processing etc. Nope there was more fraud this time on all 3 of my brand new debit cards. I was shocked I called chase again and asked if this was normal what was going on etc etc. I was told its normal around this time of year with the holdidays etc. So I started new reports but this time was told I not only had to open seperate ones for each account but now also for each vendor. So i said ok and they said the same thing ok theyd investigate close out my cards/ send me new ones and issue credits. This time ( when I received my new cards about a week later ) and after I had called and activated them I only put one of them in my wallet the other two I put in our safe. I checked our accounts and saw the credits and went thru and compared the credits to the fraudulent charges I had reported I noticed that over 10 of the transactions I reported as fraudulent chase had accidentally missed. So again I called and let them know and again even tho i had already reported them they had to start new reports etc. okay again no big deal. I had this 2nd set of new debit cards in hand and activated less than 48 hours and I log on to see if they had reported the rest of the transactions and low and behold more fraud. Even on the cards that were completely untouched and in my safe!!! On the other one I had made a total of two purchases with one for {$6.00} at the pharmacy for my XXXX XXXX daughter and the other one for {$25.00} on gas. I was completely dumbfounded. So I immediately called chase again this was XX/XX/XXXX at about XXXX XXXX and reported the charges and asked what I could do could I close the accounts and open new ones with new bank account numbers? I had already changed my password on my chase account. They said no they couldn't do that till all these reports had been investigated. I said okay and filed the new reports and just decided I wouldn't even activate them this time I would just go into chase and pull off cash and use that till all this gets worked out. They again said no problem they would then close the cards send new ones etc. I asked them what I could do and how this could be happening they just said they didn't know but fraud happens alot this time of year. I said okay thank you etc. At about XXXX that XXXX I went to log on to my chase account to check and make sure they got everything and it wouldnt let me log into my account it said to call chase for further info and help. So I call chase and they informed me that they had restricted and closing all my accounts due to a large number of fraud complaints. I told them that was them I only had 3 fraud reports they were the ones that turned each transaction into a seperate claim. I asked how I was going to get access to our money all of our money was in those accounts ( bills, my kids XXXX, everything I wan na say not even including the fraud there was at least {$2000.00} between the accounts plus my husbands paycheck was getting direct deposited friday and my daughters child support and social security XXXX. They said that I could go into a branch and pull off the funds but that the account was restricted and all deposits and transactions would be denied/ blocked and returned. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days after that ( so probably by mid XXXX because of the holidays ) I said I would be going to the branch now and withdrawing the funds. I had to we needed that money we had rent due on the XXXX, electric, phones everything all due and I needed to get my kids stuff for XXXX still as we are a low income family my husband is a XXXX XXXX XXXX veteren, I am XXXX XXXX and we have XXXX XXXX XXXX XXXX XXXX XXXX children. So we have to really save and budget. We have almost no spare income but all our bills are always on time. So i go into the branch and with my XXXX kids to withdraw the funds like they told me to. I get to the teller and she looks everything up and writes down my account balances the main account without the fraud money or credits was {$420.00} the 2nd account was around {$1200.00} and the third was about {$790.00} so total was just above {$2400.00} and again that was not counting the credits for the fraud charges. So I told her i needed to withdraw that. She went and got a manager and the manager came out to tell me that they could only withdraw these amounts they could not withdraw the credits I had been issued etc I said thats fine i just need this I have bills and XXXX to pay for. She said okay I need 2 forms of ID and just give me one moment and went to the back and was there a while before returning to the window with two other individuals and stated that these were branch managers and that they were very sorry but they could not withdraw the funds from the accounts because the accounts were restricted and all deposits, withdrawals, wire transers, direct deposits, automatic bill pays everything blocked and restricted until they were done investigating the fraud and after that they had 10 business days to make a decision and close the account after that itll be 10 business days before they issue and mail me a check for the remaining balances. I said I understand that but I just spoke to you guys on the phone and was told I was not allowed access to any of the funds credited while you investigated but that the balance that wasnt included, our hard earned money that we saved for bills etc was. They said were sorry theres nothing we can do. I asked if i could just have one of the account balances the lowest one or even part of it. We had no access to any of our money at all and I just needed something to use to feed my family, cover gas, diapers, and just basic necessities to survive. They said were sorry no. So I went home and tried to figure out what to do. By the time I got home it was after XXXX and there was nothing else i could do as they were closed. So the next XXXX first thing I called chase again to explain i went to the office and they refused to let me withdraw the money. She said oh well yeah thats their disgression. I said what can i do??? I need access to some of our money, I have bills my kids need food. She said well you can try a different branch and see what they say. I asked about the direct deposits that were supposed to hit soon ( my husbands paycheck on friday, child support for my daughter on saturday and my childs XXXX benefits on the XXXX ) she said they will all get denied and sent back to the sender as well as any other autodraft bill payments checks etc. I said this is unreal this is our money. So i called a different branch explained the situation to see if i went there if they would let me withdraw the available funds. She took my info and looked it up and said yes absolutely. She said let me just verify with my back office and call you back. About 30 min later she called me back and said that they would not be able to give me access to the funds either as corporate had restricted all withdrawals of funds too. So I asked her if there was anything I could do she said no I just had to wait for them to mail me the check. I called corporate back and told them what this branch said and she said then theres nothing we can do youre just going to have to wait for the check. I said no this is not okay or right, we have been good loyal customers for over 5 years, we did nothing wrong i reported legitimate fraud on our account and because of that you made the decision to restrict and close our account without warning or any notice at all and hold all our income and restrict any and all access to it and leaving us with absolutely no money. I said my husband is a XXXX XXXX XXXX veteran for the XXXX XXXX, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX children and youre doing this right before XXXX leaving us with no way to feed ourselves or provide the bare minimus necessities, no way to do anything for our children for XXXX and holding all the money we had to pay our rent to keep a roof over our kids heads and utilites to keep our kids warm, car payment car insurance nothing and are telling me we wont have our money any of it till probably end of XXXX? She said sorry theres nothing we can do the account is restriced and closed and youll just have to wait for the check ... So I hung up and called my mom and told her what was going on and she said thats not possible so I called chase back and conferenced her in and she heard everything and when i asked there reason for this decision they said it was theyre perogative to end our banking relationship due to too many fraud reports I said I said but there werent too many there were 3 back to back. Your claims department is the one that kept turning them into multiple report. she said sorry nothing we can do. I asked if there was anyway i could get access to any of the available money that was not part of the claim and she said no, I said we have direct deposits hitting and its too late to change it. She said they will get denied and sent back to the sender. So youll have to call them after. I said what about our bills that were already scheduled to come out the day you t the account the auto pay for our car insurance, phone bill and car payment. She said those were already denied. So I hung up and called ssi and waited for 90+ minutes and explained the situations and requested to change the payment method. she said because of the holidays it was too late to fix the XX/XX/XXXX payment in time but she updated it for future payments. She said that chase would refuse the deposit and it would go back to them within 48 hours and as soon as it did they would issue and mail me a check and the latest i would have that would be the XXXX. I broke down I explained everything and said i have no way to pay our rent or bills or XXXX for my kids nothing. She then asked me if the bank that was doing all this was chase bank. I said yes! she said they're horrible they do stuff like this to people all the time. she apologized profusely and I thanked her and hung up and called my husband to let him know. He said he changed his payment record but he doesnt know if its in time and if this paycheck would go on his new payroll card or chase but his employer issued him an emergency loan of {$100.00} to his card just so we could survive. I hung up and called child support and they said it would take 10 days to process so not in time to fix the payment scheduled for saturday but that they would also issue and mail a check when they got it back. So I went home and did the application to open a new checking with a new financial institution. I got to the verification and none of the identity verification questions were anything having to do with any of my information and they said they couldnt verify my identity so they were denying my account, so I went to log onto my social security account and all of my log in info was changed. So i checked XXXX XXXX and that was changed too so I started researching, and started realizing my identity might have been stolen so I started XXXX what to do. ( I have never had anything like this happen we're low income and dont apply for credit or anything so I dont really monitor my credit report ) thats when they XXXX breach info and website came up and i clicked the link and entered in my info to see if I was one of the people affected during this breach and it turns out my husband and I both were. so i started putting freezes on my credit and fraud alerts. Then I get a knock and received a certified letter from the IRS stating I was delinquent on my XXXX taxes and owe {$1500.00} immediately. I had never gotten my XXXX taxes it was being audited and they were still researching it. I tried to call irs but the government is shut down so is the transcript website and identity theft reporting site. plus holidays so wasnt anything more i could do. XXXX came and went still no access to our money or anything so I was waiting for the ssi check in the mail. Well on XXXX XXXX I got a check in the mail from chase for {$1300.00} that stated it was for the remaing balance of my account ( s ) it didnt list which accounts or statement nothing but it was enough to cover rent and keep our lights on. I called when I got home to see what account it was for what it included etc. 3 different department managers couldnt tell me. they said they see the check was issued and mailed but nothing and that I had to just wait till everything was finalized and closed and then call and see if theyll be issuing more checks etc. I got notices from the place i financed my car through, XXXX and our cellphone internet and cable company stating the autodraft was declined and we needed to make immediate payments to avoid termination. On XXXX second I received 11 claim update/ decision letters from chase stating that they had completed their investigations on those claims and determined they were charged and processed correctly so they were reversing the temporary credits to my account and would be removing the money on the XXXX. I also received an email from XXXX XXXX stating they could not file my taxes for this year as a return with mine, my husbands and childrens social security numbers and information had already been filed. I contacted XXXX XXXX and upon investigation all of our identities and everything from drivers liscences, social security numbers everything had been stolen so i researched and found out the tax fraud and false returns etc started back in XXXX and thats why IRS said i owed money. I pulled my credit reports and everything was changed and we had 72 inquiries and 15 fraudulent accounts opened on top of all of our personal info changed. I went to the police station and filed a report I explained everything and he said that this was why our bank account had all that fraud on it and how they got our debit card info and was able to charge everything when i hadnt even used the cards.. I got the police report number, an affidavit from the DMV plus whatever other documentation I could get right now including the fraud reports from the credit reporting agencies and called chase with the updates and requested to appeal their decisions based on the new information. It wasnt just fraud transactions my identity and all info had been stolen. She said " They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said " You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XXXX first and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my disable daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. I said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. This was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income. | ||||||
| 07/24/2017 | Yes |
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| The year XXXX I met with several brokers and banking personnel in regards, to supporting funding and investing in my textile and clothing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The deal was based upon a {>= $1,000,000} XXXX dollar bond USDA GOVT BOND CUSP # XXXX. The bank XXXX XXXX XXXX XXXX XXXX stated my company would have to wait till the maturity date before receiving the BOND. Thereafter the housing market crashed and the funds disappeared XXXX XXXX was acquired by JPMorgan Chase Bank and we filed a claim against the CEO of the bank therein he defaulted and 35 or so days later had the case removed from XXXX XXXX County Court to Federal Court based upon fraudulent claims that we did not know the defendant personally and that he stated to the court without record that he had nothing to do with any illegal dealings pointing to the JPMorgan Chase of XXXX CA. The case was ailegedly dismissed illegally by a Deputy Clerk XXXX. while Deputy clerk XXXX XXXX was not at work or at the courts as he stated to me over the phone on XX/XX/XXXX XXXX. When in fact he was present according to the case load court schedule for XX/XX/XXXX. The Judges signature was a rubber stamped at best, whom also ironically retired approximately 45 days thereafter. According to the law they did not follow the rules or the law in dismissing the claim therefore we are filing a appeal and another claim. We need information on whom had access to the USDA Funds and whom had the authority to take hide or misappropriate the funds. I believe and can prove that my identity was taken and used to gain access to the funds and that we have been harassed by JPMorgan Chase whom claims that we signed a mortgage with a company they somehow acquired whom never had a license to sell buy or service mortgages in the State Of California XXXX County. I have received multiple letters claiming that my company did not file taxes since fighting the theft fraud and identity theft. I have received several checks from investment firms which turned out to be fraud checks. I have been warned by an attorney that once i began to file complaints and claims against the bank that I would have issues with the IRS, and so far he was correct. I have received multiple letters regarding my businesses EIN numbers and or filings. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Status - EIN XXXX Copyright XXXX US Copyright Office Library of Congress # XXXX XXXX It is factual and true of all the events taken place and can be proven in a court of law or in a negation discovery setting. That on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aw'arded via USDA GOVT BOI { XXXX XXXX # XXXX in the amount of {>= $1,000,000} that matured in two years dated XX/XX/XXXX to the amount of {>= $1,000,000} that was stolen taken and have been caused to disappear within XXXX XXXX XXXX XXXX within the XXXX XXXX County area State Of California. This fraud was caused by said bank and its National and or local employees. XXXX XXXX XXXX in the year of our Lord - Monday, XX/XX/XXXXXXXX with XXXX XXXX whereas I was approached by XXXX XXXX , & XXXX XXXX and XXXX XXXX whom later introduced me to XXXX XXXX via conference of XXXX XXXX XXXX and XXXX XXXX via conference that of employed by the subsidiary bank XXXX XXXX XXXX XXXX XXXX that of XXXX XXXX . Included within the contract and verbal agreement for the {>= $1,000,000} BOND was XXXX XXXX XXXX ( a local XXXX fashion designer ) & XXXX XXXXXXXX XXXX company XXXX XXXX and copy written. Our first meeting took place in XXXX Michigan with XXXX XXXX XXXX XXXX and XXXX XXXX as well XXXX XXXX XXXX. The meeting included a transfer of information such as EIN for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the amount of the BOND acquired to produce both a textile manufacturing company and a clothing line brand therein. XXXX XXXX banking account management expert her involvement was to introduce us to the big dollars as she stated. She introduced me to XXXX XXXX employed with XXXX XXXX XXXX. Whom was to appropriate and allocate the BOND, as well she educated me on how to deal with my debts and credit ( business ) to be qualified for the {>= $1,000,000} that matured to {>= $1,000,000}. XXXX XXXX and XXXX XXXX educated me on what to do concerning my home and how to acquire payment in the year XXXX. Stated by XXXX XXXX I needed to contact the US Government agencies concerning my home and file the proper paper work, this would assure my debt to income ratio would be very low and my credit score would rise high. So I went online to the USDA government site and filled out the form XXXX XXXX ( Rev. XXXX ) The property servicing rights was sold in2 } XXXX and again in XXXX from XXXX, to XXXX XXXX XXXX to XXXX XXXX XXXX She stated that the Chain of title have been broken and that i would need to look into that. So I began contacting the SEC, Office of Controller of Currenc5 Department Of Justice, United States Department of Agriculture. I filed the proper documentation with those agencies. Thereafter the property was paid in fullas ofXX/XX/XXXX, as stated by XXXX XXXX documents and letter ( s ). Both companies or banks XXXX XXXX XXXX and XXXX XXXX XXXX have been acquired by XXXX XXXX XXXX XXXX. See form FORM XXXX XXXX ( XXXX ). Please be advised we where instructed on how to filI out the form by bankers and government agents or employees and therefore this document is very legitimate and legal. Yet JPMorgan Chase whom acquired XXXX XXXX XXXX and XXXX XXXX XXXX at the same time the USDA GOVT BOND funds disappeared. This information was reported to the state of California. 18 U.S. Code $ i961 Section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ). XXXX XXXX at the time was located in XXXX MI, and XXXX XXXX located in XXXX XXXX XXXXXXXX, whom are the experts in manufacfuring, lean manufacturing and infrastructure. XXXX XXXX was the banking expert in appropriating funds for the funding investment, and XXXX XXXX worked along side XXXX XXXX andXXXX XXXX to secure the investment funds. XXXX XXXX and her assistant met us a XXXX XXXX located at ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX ... .with myself XXXX XXXX XXXX the creator and CEO Chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my assistant XXXX XXXX XXXX . She XXXX XXXX took a flight from the XXXX XXXX to XXXX XXXX California the summer of XX/XX/XXXX XXXX XXXX XXXX attended the meeting and took notes for both myself ( XXXX XXXX XXXX ) and XXXX XXXX. The notes where later emailed to everyone involved as listed within this document. A conversation came up about the legitimacy of their bank dealings with XXXX XXXX XXXX and how would the funds be released if they exist? XXXX XXXX via XXXX XXXX emailed me the BOND CUSIP numbers and other information via email on multiple occasions. ( see email attachment ). Thereafter receiving the BOND and CUSP information we investigated and asked a friend of XXXX XXXX XXXX ( XXXX XXXX ) whom was a broker look into it, and she was astonished and very surprised that we had access to this direct information. She stated that if it was n't real there would not be a CUSP number attached for this is how they track and keep account of all BONDS or investments notes. So we where convinced of the legitimacy and began documenting the contract. I have received multiple emaiis and phone calls from XXXX XXXX and XXXX XXXX assuring me that the USDA BOND was secured and in my companies name but a working came through and she continued for a second and third time sending me emails about the BOND giving lessons about the finance history and the XXXX XXXX debacle. I had contacted everyone to schedule a meeting in XXXX so we could figure out what happened with the USDA BOND secured note instrument and who was involved and how we could gain the funds back from whom ever taken it. Only XXXX myself and XXXX XXXX attended the meeting. Everyone else would not answer their phones. At this point XXXX began calling claiming to hold the investment instrument on the mortgage that was recently paid off. They used such tactics like calling XXXX in the morning and well after XXXX at night. They also contacted family and friends in other states claiming we do n't like to pay our bills. Yet someone inside of the bank had taken the USDA GOVT BOND and somehow convinced others that the USDA documents that stated " pay to the order of the United States without recourse '' was not real. After being embarrassed by such illegal tactics and the disappearance of the USDA GOVT BOND, we began doing research and investigating the issues that seemed to be tied together that being the payoffof the mortgage and the disappearance of the USDA BOND. We had expressed on multiple occasions that the USDA GOVT BOND was real when the bank JPMorgan said it was n't before being educated with the first claim filed on XX/XX/XXXX. We also stated on multiple occasions in affrdavit and in letters that we did not sign or re-sign any documents with XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. Since XXXX XXXX the CUISP # USDA FUNDS disappeared as well all of the XXXX XXXX XXXX XXXX XXXX XXXX employees along with it. XXXX XXXX made an attempt to warn me by sending the emails concerning the BOND itself. She simply stated " I am trying to help you '' without exposing whom took the funds. She then tried to distract me with statements concerning the XXXX XXXX Debacle and offers of a new investor. Home land mortgage broke into our home the year XXXX while we where visiting and looking to relocate to XXXX GA. The alarm system records state that someone had entered the house via a upstairs window. Later we would received multiple photos take by XXXX XXXX around the same time. We have tried multiple attempts to do a loan modification with NACA and other outside agencies rathe XXXX XXXX would not work with us or they stated that the investor ( XXXX ) did not want to do a loan modification because our household made too much money and we could affiord the payments they had set up even though we had proven that we had no contract with them through XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. The statute of limitations on " Theft, forgery, arson, securities act violation, business fraud or deceit : is 4 years, the securities act violation theft and fraud was discovered XX/XX/XXXX, business fraud discovered XX/XX/XXXXXXXX59 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section fi29 ( relating to fraud and related activity in connection with access devices ) section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ). The mere fact that the BOND and TRUST is located within the same state as your company XXXXXXXX XXXX XXXX XXXX XXXX. The deal with XXXX XXXX XXXX originated with employee XXXX XXXX offrce located in XXXX XXXX XXXX, also with XXXX XXXX employee XXXX XXXX inXX/XX/XXXX. Thereafter before the BOND disappeared XXXX XXXX began emailing the actual BOND to myself and other business associates via internet and communicated via cell phone and land line this makes your companies both XXXX and XXXX XXXX the culprits and assessors to this theft and fraud crimes committed across state lines. The idea of " no jurisdiction '' is highly irrelevant and provides proper jurisdiction by way of the R.I.C.O ACT as explained within this Affidavit document. The point that a crime was committed via across state lines using telecommunications emails cell phones and meetings in person within several states. Employees from several of your companies conspired against my person and company to fraud theft the $ XXXX which I was told that the funds would not be available until after the maturity date, which was XX/XX/XXXX by this time all contacts had been cut offby XXXX and XXXX XXXX. This is simply a conspiracy to fraud theft the funds used my company 's legitimacy to gain access to the {>= $1,000,000} ( XXXX XXXX ) dollar bond and destroy my name company 's reputation with the communities involved and to destroy and injure me with the Mortgage fraud. The idea to injure me beyond capacity and repair by committing theft on the BOND ( $ XXXX ) via XXXX XXXX XXXX, create a mortgage by way of acquired mortgage company XXXX during the crash of the market would allow an illusion of a crash ( housing market ) hiding the other facts of the contract deal between XXXX XXXX XXXX and my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This idea of waiting to release funds thereafter the maturity date after XX/XX/XXXX would allow this to go unnoticed to many but we kept our eyes on this entire move. I. The fact that XXXX XXXX became the investor of an alleged mortgage alleging that both XXXX XXXX XXXX and I XXXX XXXX XXXX signed with a company that never possessed a license to be involved with servicing and mortgages monetarily is fraud and a conspiracy. il. When XXXX XXXX XXXX XXXX Manager at XXXX XXXX XXXX XXXX located in XXXX XXXX , and XXXX XXXX of XXXX XXXX XXXX located in XXXX XXXX XXXXXXXX , began ignoring my calls after thereafter XX/XX/XXXX as they told me to be patient as we where approaching the maturity date, simply justify conspiracy without explanation of what had taken place, remember XXXX XXXX warned me via email approximately XX/XX/XXXX by sending the actual copy of the BOND TRUST NOTE. The fact that my business associate XXXX XXXX, XXXX XXXX, explained to me that all communications where suggested to be cut offfrom everyone frorn New York with myself and my company as of XX/XX/XXXX. " Both XXXX XXXX and XXXX XXXX changed their information on XXXX whereas we have communicated in the past. XXXX XXXX has no acknowledgment of being employed with XXXX XXXX whereas years before she boasted on her website of being highly ranked and employed by XXXX XXXX XXXX. Her new status is As a well recognized expert in strategic global marketing communications and investor relations, I have developed branding and marketing strategies for insurance/reinsurance, investment banking and other professional and financial services companies that enhanced these organization 's ability to achieve their strategic objectives. I 've also lead global communications functions including traditional media, social media and internal comms for brands such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Whereas before this year XX/XX/XXXXshe was an investment banker " XXXX Managing Director at XXXX XXXX XXXX XXXX. Headed Investor and public relations for a multibillion dollar global investment bank ''. m. All of the former persons involved from the east coast has deleted me as a friend on social media as well XXXX ry. XXXX XXXX formerly of XXXX XXXX XXXX CA, as well formally of XXXX XXXX XXXX d.b.a XXXX XXXX Funding whom had no license personally contacted us on several occasions concern the fraud and alleged mortgage as of XX/XX/XXXX where she threatened to cali police if i appeared at their office location in XXXX XXXX CAto deliver the Right To Cancel Documents on XX/XX/XXXX thereafter calling XXXX XXXX XXXX at her job in XXXX CA trying to convince her to keep the refinance agreement and do n't cancel it. Now employed with XXXX XXXX XXXX XXXX XXXX since Site Training Manager XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 2 years ) | XXXX XXXX AZXXXX Manager promoted from J.P. Morgan XX/XX/XXXX XXXXXX/XX/XXXX ( 9 years 9 months ) whom worked for XXXX XXXX d.b.a XXXX XXXX XXXX approximately XX/XX/XXXX- XXXX before the California Corporations Commissioner forced them to stop doing business in the State Of California. This is no coincidence at all. XXXX XXXX obtained our information from XXXX XXXX and we met her face to face XXXX XXXX to go over upgrades for our new home. She also changed her linkedin.com account page from being employed with XXXX XXXX and XXXX. Site Training Manager JPMorgan Chase XX/XX/XXXX - XX/XX/XXXX ( 2 years ) I XXXX, AZ Training Manager J.P. Morgan XX/XX/XXXX - XX/XX/XXXX ( 9 years 9 months ) no mention of XXXX XXXX XXXX nor XXXX as of XXXX. Funding. XXXX XXXX XXXX formerly of XXXX XXXX XXXX d.b-a XXXX XXXX XXXX and presently with JPMorgan Chase Bank as XXXX XXXX Operations Senior Specialist at JPMorgan Chase currently employed. XXXX, Louisiana Banking. When we asked if the loan was legitimate via proof of verification your company employees stated that we should do a loan modification rather when we applied they refused stating that the investor was not interested in us saving our home nor interested in doing a true and real modification because we requested verification of a alleged loan. Attempting to force us out of the home knowing we and or I would lose everything with no were to go and nothing to build upon. VI. Caused XXXX VII. Caused distraught relationships between myself my mate friends in laws and family members. VIII. Caused riffs in business relationships with others in XXXX, XXXX and other countries. IX. Forced us into a whole of debt unforeseen X. Caused more pain and suffering than you could imagine XI. Deskoyed my quality of life XlI. Destroyed the opportunities for job creation within the United States OfAmerica. XIII. XXXX XXXX once a friend on XXXX rather she changed her XXXX page information and friendship as well blocked me from friendship on XXXX account for we were once friends. XIV. XXXX XXXX was once my friend on linkedin.com rather she changed her information and blocked me from friendship. XV. Prevented my clothing line opportunities with manufacturers in XXXX and other countries. XVI. Prevented me from becoming a Billionaire through my business negotiation models designs creations music and inventions. XVII. This injuries caused others to take form my ideas in fashion designs lean manufacturing theory ( s ) with multiple designers and manufacturing companies repeating my company model. INJURIES CAUSED ' Theft of CUSP BOND US GOVT $ XXXX ' Copyright Theft TXU 881-f09 ' Theft of DTINS number XXXX Destroyed my company, name reputation within various communities and countries. o ldentify theft of XXXX XXXX XXXX.. . ... . Hindered business opportunities world wide and locally nationally. Destroyed my household, neither of us could obtain gainf, rl employment thereafter the damages the false reporting to our neighbors and family close friends. Sabotaged a faise mortgage destroying our credit with no history of XXXX XXXX ever being reported on either of our credit records as of XXXX to current. Stressed XXXX XXXX XXXX to the point she had XXXX XXXX Destroyed our relationship and trust Destroyed opportunities of ever obtaining further deals to recover from the XXXX XXXX Debacle. Created a Mortgage of insult ignoring all the evidence presented to your employees whom had to check with higher authority to clear or except the evidence as fact. Never producing an original document or promissory note. Your own employees contradicted this alleged mortgage stating there where no records of this loan mortgage etc, .. via promissory note, microfiche or any other format. XXXX I 've never herd of microfiche until XXXX via XXXX XXXX XXXX XXXX. | ||||||
| 04/03/2019 | Yes |
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| Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern : I am sending you a complaint to help me resolve this situation with, Chase Bank home lending advisor, also an agent professional at XXXX, XXXX XXXX. It was one business day before closing on XX/XX/XXXX, I received a call from Chase Bank lender. The lender said, XXXX XXXX XXXX was not approved for the loan. The closing for the loan was schedule for XX/XX/XXXX. She said, The builder inside the complex is not obtaining a PERS approval, so the condominium will not be qualified to receive the loan endorsement. Due to that reason, you will not be able to buy the property. After the disturbing mortifying news, I asked XXXX if she was available today to have a meeting with me at Chase Bank, XXXX XXXX. She said, Yes, I will meet you there. As promised, we met at Chase Bank, XXXX XXXX. Unfortunately, XXXX never showed me proof that the condominium was deny. She verbally discussed the disapproval of the condominium. She said, The condo at XXXX XXXX XXXX, XXXX XXXX, XXXX Fl. XXXX was disapproval for purchase. The condo has to be approved and there is different situation with condos right now, and right from the beginning we knew that it had to be approved first, and because you did not put down more than 25 % that is when they do a limited review and just look at the condominium insurance policy and accept it, because it was only 3 % down conventional they had to do what is call a full review so, I went to the place in XXXX with your check the next day, and had them fill out all the forms and sent that up. So, while they were processing, I do not know why it took so long, because we hand all the information to them right from the start on XX/XX/XXXX. So, unfortunately, it did not get approved. She said, I spoke to the fellow this morning, I think his name was XXXX ( XXXX XXXX from XXXX XXXX XXXX ) and, he cant do anything as well. When I told him the situation he understood then. XXXX said, You can go out to buy a house tomorrow that is not the problem. It is that condominium that you chose is the problem and the only way I can help you get approved for the condominium. You have to put down {$38000.00}. But, they are still doing working and I am going to read some of the information that we have. I asked XXXX if I can receive a copy what she is reading? She said, She will try and she will read it to me. It read that the new construction in Florida dated XX/XX/XXXX declined by the PAG department. The new construction in Florida, builder is not getting a PERS approval, so it can not be approved. I asked her to define PAG. She said, I dont really know what the the initial stands for, it is the department that gives approval to condominiums under Chase Bank and the loan went to the PAG department on XX/XX/XXXX and XX/XX/XXXX the processor was assigned to the loan and that is when everything shoot off, and you did not met agency guidelines, because we have to get condominium approval and it did not. Then she said, The builder is not applying for it at XXXX XXXX, so we couldnt do it that way. I said, Applying for what? XXXX said, PERS approval from XXXX XXXX. It is expensive to be done, cost involved. At that moment she said, Let me see if I have that email to see how much it cost. XXXX did not give me the builders name nor the email or the cost. She said, It came from the PAG department. If you was going to persue it more, you will go after XXXX XXXX XXXX XXXX XXXX XXXX to find out why they are not getting PERS approval through XXXX XXXX, because if they had that approval then we can do the loan. ( Information for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Fl. XXXX, XXXX-XXXX-XXXX or ( XXXX ) XXXX-XXXX ) Sadly, XXXX did not give me any document to follow-up on the PERS disapproval for the condo. XXXX was sending me on a wild ghost chance, because I had no documents to show XXXX XXXX XXXX caused the delay in the paper trail. XXXX asked me, What I was going to do from here. I told her, I want my earness money to be returned. I want my credit score restored, and I want all deposit returned to me. XXXX said, I am allowed to shop for thirty days and your credit score should not declined as per Chase. I asked her to put that in writing. She did not. She said, My condo falls under a different phase and that caused the condominium to get declined. I responded to say, I was told by XXXX XXXX that my good earnest money is not going to be returned, because I receive the closing disclosure meaning, The loan was clear to close. I will lose {$1500.00} due to the situation. XXXX said, Normally and I believe, if the loan was declined by the bank you should be entitled to get your earnest money back by the bank. I asked XXXX can she put that in writing and she did not. I also asked XXXX is it your business practice to give a consumer a one day business denial notice before closing. She said, No. She said, She is going to submit a escalation to the mortgage banking escalation department and they can see how the timeline procedure was developed on the application. So, the escalation department might be able to give you the timeline that is needed. Then she said, let me tell you how it happens and I know you were a due diligent 100 per cent on everything that you did. So, what happen is we take the application and remember you can back the next day to pay the {$200.00} to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Now all along, it was told that the condominium has to be approved and I would have told you that. So, when it goes from me to the processing department it shoot off to every different department that we have, the title department, the appraisal department, the PAD department for the condominium to be approve, and it goes to every different department and everybody does they busy work behind it. We dont get like a daily summary like where it is now there are all working behind the scenes on it, so the mortgage banking escalation department will be able to create a timeline so you can see. Thereupon she said, Chase want to get the loan approved. We are not in business to make you unhappy for not being able to do the loan, so that is 100 percent. But the condominium have to get approved. If you put 25 % down 99 % that will not be the problem. It is the condominium that is the problem. So, my suggestion is to get in touch with XXXX XXXX XXXX because they are familiar with their approvals on what they do to get condominium approve. I said, What is the contact to the mortgage department that have the timeline. XXXX said, She really dont know because I never had it before, but I am going to send an escalation notice, so that the mortgage banker escalation department and I ask for a timeline for you. I said, That will be fine. XXXX said, Is anything I can do to help and if they want a letter and I was under the impression that, but we do not get involved in that as per XXXX. If the loan is declined and I only lost two loans in the pass two years. So, I am not in the business for that. But, I was under the understanding that if your loan is declined from the lender you will get your earnest money deposit back. It sounds like to me XXXX was confused. XXXX XXXX said, XXXX XXXX XXXX , XXXX took too long to submit pertinent information on the HOA and Condo requirements. You know why it took to long because we gave all the information right at the office from the beginning. I said, What information She never responsed. Why is she evasive? She is a business woman who works in business, especially as a Senior Home Lending Advisor for Chase Bank who talks jargon language that is used in a particular context and may not be all understood outside that context. The context is usually is a particular group that is in her business can understand the jargon. Nonetheless, the condo certification questionnaire was completed on XX/XX/XXXX and prepared by XXXX XXXX who work for XXXX XXXX XXXX , XXXX. XXXX XXXX information is as follows : Email : XXXX.XXXX@chase.com http : //homeloan.chase.comXXXX NMLSID : XXXX Telephone : XXXX-XXXX-XXXX Home Lending address : XXXX XXXX XXXX XXXX XXXX , Fl. XXXX Moving right along, this is how the team worked fervishly on XX/XX/XXXX on the day of closing to get the condominium approved. On Monday, XX/XX/XXXX XXXX, XXXX XXXX a listing agent at XXXX/XXXX XXXX XXXX. In fact, XXXX is assisting me in the purchase of the condo at XXXX XXXX. Now, XXXX email XXXX XXXX to let her know that XXXX XXXX a listing agent for the seller called XXXX and told XXXX that she spoke to the builder of the new section in XXXX XXXX XXXX, and they ( builders ) gave her the contact information of the lender that is working with them ( working for XXXX XXXX office approval ), and builders are happy to talk to you ( XXXX ) and tell you ( XXXX ) how they ( builders ) are able to get funded as they ( builders ) have the same hurdles you do ( to obtain condo approval ). XXXX continues by saying, I hope this is not stepping on anyone toes, and please understand it is in the spirit of trying to get this loan funded for the buyer and seller. Would you please call him ( XXXX XXXX-XXXX ) and see if there is anything that may help the team clear up this situation? His contact info is below and is ccd in this email : XXXX XXXX from XXXX XXXX XXXX-XXXX-XXXX XXXX. I find the circumstance to be bias and someone is receiving a gift because, XXXX XXXX probably knows how to go around PERS approval to obtain condo approval funding for loans. So, buyers can buy condominium property at XXXX XXXX. This sounds like an illegal privilege real estate sale for certainty groups. For this much, I was having trouble reaching XXXX by phone. I called her several of times and left my cell number on her phone and she never returned the calls. In fact, before I left the office on XX/XX/XXXX, she asked me if I had a cell phone, so I can call her cell phone to make sure she will have my correct telephone number to reach me wherever I may go. I have complained to XXXX XXXX that XXXX was not answering my phone calls at XXXX-XXXX-XXXX. XXXX XXXX XXXX to tell XXXX to call me ASAP. In any case, XXXX XXXX, Client Care Specialist, told me about XX/XX/XXXX, XXXX was supposed to call me to go over some details with me. She never called. I told XXXX XXXX that I received the Mortgage Commitment Letter and the letter needed signing. XXXX XXXX told me not to worry about signing the documents because we approved the loan, and you do not have to mail the mortgage commitment letter back to us and the only thing we are waiting for is the approval for the condominium, and for XXXX to call you. As a matter of fact, XXXX XXXX recorded the conversation. Each time XXXX XXXX communicated with me, the conversation recorded, and verified by my social security number, and his NMLS number. I believe if XXXX XXXX wanted me to sign the mortgage commitment letter, he would have sent it through XXXX e-signature like he has done with the Credit Inquiry Explanation form on XX/XX/XXXX. XXXX XXXX information is as follows : XXXX XXXX Client Care Specialist NMLS # XXXX XXXX.XXXX.XXXX@chase.com Office : XXXX-XXXX-XXXX Definitely, this sound like unfairness, deception, bias, unscrupulous behavior among the selling professionals and the workers at Chase Bank. Here are emails XXXX sent XXXX and XXXX sent XXXX. A few of the emails were carbon copy ( cc ) to me : XX/XX/XXXX, email was carbon copy to me from XXXX XXXX. XXXX said, XXXX, just wanted to reach out and ask if we are going to have loan commitment by the XXXX as per the contract? The listing agent is asking for verification. I understand it is the loan commitment, the listing agent is asking for it and I wanted to make sure it is a ok for me to share with her as there are some specifics on it for XXXX. I thought was, but a co-worker told me it is not something I can share so I am double checking. XXXX replied email : XX/XX/XXXX That is the loan commitment XXXX XXXX replied email : XX/XX/XXXX Thank you XXXX. Is this proprietary? This listing agent is asking for something saying we have loan commitment and I dont want to send this if it is. XXXX replied email : XX/XX/XXXX Hi XXXX, Here is the commitment letter, please call me if you have any questions. Thank you very much for your partnership. XXXX replied email : XX/XX/XXXX What phase is XXXX condo in? XXXX replied email : XX/XX/XXXX this is the land decription-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX And All Ammendments Thereto. XXXX replied email : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX replied email : XX/XX/XXXX So, is that phase 6? XXXX replied email : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX replied email : XX/XX/XXXX What phase is XXXX condo in XXXX replied email : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, never called to talk to me about the signature for the mortgage commitment letter. The question is this, why did she send XXXX a unsigned commitment letter on XX/XX/XXXX? I believe, XXXX sent the commitment letter to obtain pertinent information from XXXX via email, because she knew the delay she caused on the loan. This email of intimidation is from XXXX to me. On XX/XX/XXXX, Please see the attached commitment letter. Under Section C # 11. This is the reason the commitment has canceled, and she also send a carbon copy to XXXX XXXX. I opened the attachment and it was the mortgage commitment letter. XXXX XXXX received a carbon copy. On the same day. Furthermore, I received a text on XX/XX/XXXX from XXXX XXXX and it said, Hey Ms. XXXX, I tried to call you because I wanted to see how youre doing and also wanted ask you if you wanted to try the lender that is funding the construction that we talked about in the past email that XXXX was asked to call. I gave him the address of the condo and he is looking into it and is going to see if he can do a loan for it. Do you want to call him? His number is XXXX-XXXX-XXXX. I responded and said, I am not willing to go through a one month process to continue to lower my credit score as well as receiving hard hits on my credit record that last for 2 years. If XXXX is willing to work with the loan officer to make it happen. I am in. XXXX responded and said, Ok I understand. XXXX has not indicated to me that she is working on the loan any further. So do you want me to send you the release and cancellation now? I did not respond. On XX/XX/XXXX, XXXX text me and said, Hey Miss XXXX, I left you a message on your voicemail and have email you. I really want to try to get your escrow money back ASAP. If you could please look over the release and cancellation and sign it that would be awesome. If we wait past XXXX oclock today I think the seller might try to get it as well. Im not saying she wont anyway, but I want to try for you first. There is a dispute involvement on who is going to receive the good faith refund. I believe it is more than the good faith refund. I have not yet received substantial written document stating that the condominium was not approved. The communication was by oral communication, emails, unprofessional texts, and unprofessional workers. XXXX XXXX text me on Tuesday, XX/XX/XXXX in said, XXXX completed the PERS form and not the builder. XXXX email me to say that she never heard from XXXX. I found this to be irony, because XXXX carbon copy her email to XXXX on XX/XX/XXXX. This is what XXXX email said, Hello Ms. XXXX, I know you are very upset, and we spoke briefly yesterday about maybe trying another lender and that you said you are not interested. I just wanted to double check before I told the seller you are not interested in pursuing another lender. I also sent you the release and cancellation yesterday to try and get your escrow back so if you are not interested in trying to keep the contract open and have them decide who should get it. Also, I wanted to let you know that I never heard anything back from XXXX on the email I sent that you were in, asking if they were going to reimburse you either. XX/XX/XXXX ( text from XXXX XXXX ) Hey I had to send that email to you Friday with the other release and cancel in it. So now we have one that I wrote that has your name getting escrow and then the one that sellers wrote where she gets escrow They are asking if you signed yet. I told them not yet and I havent heard from you. Just wanted to keep you posted on this end. Hope all is ok w you. Enclosing, I believe XXXX draws her inferences about my wealth, and chances are, she put me in a bucket, and inattentively ignored my phone calls. Yet, she collected my data credit history includes highly personal data, and it makes sense that I should have control over who sees it. But the consequence is that companies end up driving into largely unregulated pools of data, such as clickstreams and geo-tags, to create a parallel data marketplace in which it could include my data. She avoided scrutinizing me as an individual and instead place me in a group of people-What statisticians today would call a bucket. People like you, XXXX decided, could or could not be trusted. Additionally, XXXX knew a lot about the transaction that was going on in her team as well as what XXXX was doing, and she play right into XXXX hands. If XXXX wanted to do something about the deception. She could have saved me from experiencing this distasteful business practice. XXXX and XXXX knew the loan was not going to close and they did it on my expense. I lost {$2500.00} due to this deceptive transaction. I am sure you will have a solution for this problem. I am confident that you will want to resolve this complaint, and due justice will be served. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, Fl. XXXX All Parties involved in the Real Estate Transaction Escrow Agent Name : XXXX XXXX Escrow Agent Email : XXXX Escrow Agent Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Florida Escrow Agent Office Phone : XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Telephone : XXXX-XXXX-XXXX or XXXX-XXXX-XXXX Lender Company Name : Chase Bank Lender Office Phone : XXXX-XXXX-XXXX Loan Officer Name : XXXX XXXX Loan Officer Email : XXXX.XXXX@chase.com Loan Officer Cell : XXXX-XXXX-XXXX Listing Agent Name : XXXX XXXX Listing Agent Email : XXXX Listing Agent Cell : XXXX-XXXX-XXXX Listing Broker Firm Name : XXXX, XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX Property Address ( street ) : XXXX XXXX XXXX, XXXX XXXX Property Address ( state ) FL Property Address ( county ) : XXXX Property Real Tax ID : XXXX-XXXX-XXXX-XXXX-XXXX.X Property Legal Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX And All Amendments Thereto Initial Deposit Amount : {$1500.00} Closing Date : Or before XX/XX/XXXX MLS Number : XXXX Year Built : XXXX Seller Name ( 1 ) : XXXX XXXX XXXX Selling Agent Name : XXXX XXXX Selling Agent Email : XXXX Buyer Name : XXXX XXXX | ||||||
| 07/08/2023 | Yes |
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Web | |
| Incident 1 : I was contacted through XXXX by a person pretending to be a well-known XXXX investor from XXXX XXXX XXXX XXXX XXXX. He offered to teach me how to improve and increase my investment odds. He offered to show me by conducting the trades himself to show me that it works and then he would show me how he did it for a fee. He then told me to go to XXXX where all chats took place. This involved some other scammers that I will mention below. After agreeing to do this. I was guided to a trading platform called XXXX. I was asked to create an account and then fund it. The scammer asked me to fund with {$500.00}. to start. I told him I don't have that amount at the moment. So he asked how much I can start with. I told him I can do about {$200.00} to start. He agreed. Using my XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) account I transferred the funds to my XXXX to purchase the Bitcoin I needed and send it to the digital wallet address. After doing that he told me to wait and to check back in a few hours or so. He contacted me and told me to check the account. When I did I saw that it had doubled in a short amount of time. I was convinced that this is the real deal. When I was able to I added some more money to the account. I would verify that the money was there and it was. This was repeated a few times he would tell me to wait and then check back later. When I did, I saw the money keep on growing. Eventually, he contacted me and told me that he didn't expect this to happen. He told me that the amount had grown to {$15000.00}. I was excited and I thought I had hit it big and that this was going to be taught to me. Then I was hit with a story that because the account grew so large that I can no longer do trades. I would have to upgrade to a V.I.P. account. In order to do this I would have to pay XXXX a fee for this in the total amount of {$5500.00}. I did hesitate at first but I convince myself that this was XXXX XXXX and to trust him. I contacted XXXX to verify this and they told me yes there is a fee. I told the scammer that I didn't have that amount at the moment because I was waiting on a new debit card for another account that contained the amount I needed. This account is my XXXX account this account held the inheritance I received from my mother 's passing. Once I got the card I used my Chase account to make the Bitcoin purchase through XXXX for {$3000.00}. This put the XXXX account on hold while the transaction between XXXX and XXXX finished processing. During the waiting process, I paid XXXX to XXXX to pay down the XXXX. Fee. When the {$3000.00} was released from holding I paid off the rest of the XXXX fee. When I contacted XXXX if they received the fee they told me to check with the person managing my XXXX account. When all was done the scammer told me to hold on and wait. Again, he contacted me to ask me if I have checked the account recently. When I did, I saw that it had grown tremendously. It was over {$100000.00} in bitcoins. I was ecstatic man ; I couldn't believe it. Then a couple of hours later the money was suddenly I got an email from XXXX XXXX stating " Hello Your withdrawal of your pending profits from the investment platform has been transferred and is ready to process. To receive your profits contact the miner pending today 's payouts as scheduled daily ''. I went to XXXX as instructed. I couldn't find them on XXXX. I wrote them back in an email stating that I have a concern about my withdrawal, what is your number? I asked the scammer why was to money withdrawn without my permission and into a digital wallet I did not create, He ignored the question. Then the scammer contacted me asking have I talked to XXXX XXXX about the issue. I said I did and could not find them on XXXX. The scammer told me to hold on so I did. Suddenly I get a message notification from XXXX XXXX on XXXX. I spoke to them about the withdrawal and I stated how the money was transferred to a digital wallet I did not create. They informed me that in order to get the money out I would have to buy a private key. They told me it would cost me {$10000.00} to buy the private key to that wallet. I told them I did not have the money to pay for it. Suddenly the price dropped to {$5000.00} I told them I didn't have it at all and that I was being scammed. Instead of showing me how to put in a claim for fraud through XXXX XXXX. They instead started grilling me on how am I being scammed and who did it. I told them and I grilled them back on why haven't you sent me a link or told me a way to claim fraud on this person. Instead, they kept avoiding most of the questions and kept asking if I would pay the amount. When I asked them what if I couldn't pay they told me that after a certain time, there would be a {$50.00} maintenance fee added for every day that the money sat in the digital wallet. I chose not to pursue the payment after this. I was devastated about what had happened. Incident 2 : The second scam that also happened on XXXX I received a message from a person. It was a riddle contest. I answered the riddle and I got a message saying yes that is correct and that I have won the {$1000.00}. The name of the person used was XXXX, I did check out his XXXX and everything seemed to look legit. I was told that in order to get the money the company that sponsored the contest would have to verify my XXXX account. I was asked to exchange my XXXX email for one that the scammer provided. Feeling desperate from losing money already, I follow through with the request. When I did I lost access to my XXXX account. Even though I followed the XXXX fraud email I received it did not work instead it took me to a XXXX page, meaning that the page didn't exist or XXXX took that page down. When I asked the scammer why did he log me out of my account. He told me it's ok I will give you access again once you have verified the account with the company. Then I started getting text messages from the scammer under a different name. The scammer was posing as a woman named XXXX XXXX. I asked them about my XXXX account and why did you log me out of my account. I asked what happened to XXXX. I was told that in order to get the money I would have to pay the verification fee of {$100.00} dollars. At the same time, the money had grown to {$2000.00} all of a sudden. I asked the scammer, who is portraying someone name XXXX XXXX why is the money growing if I won {$1000.00} from the contest. I kept asking for my account to be released and I was told the same thing pay the {$100.00} and I would get my account. So, I used Bitcoin I bought using XXXX to see if the scammer would follow through. The scammer did not and suddenly the money had grown to just under {$10000.00}. I asked the scammer again why is the money growing so fast and why are you investing the money I won without my permission. I called him a scammer and suddenly I started getting pictures of XXXX XXXX trying to convince me that she is real. I even went to the XXXX account and saw that there is one but there were a couple of them and they looked fishy. I continued to message the scammer trying to get my account back that I don't care about the money I won or the {$10000.00}. I paid them again to see if there would be a limit to how much money it would take to get the account back after being told I would. I was met with the same result that I didn't do it on time and that it was too late. I asked them what is the name of the company. The scammer gave me the name XXXX XXXX XXXX XXXX. I did my research on it and the site existed I did receive an email from them but the site was flagged as a scammer site. After hours of trying to get my account back, I got fed up and tried to get help. For the next few days, I started getting calls from friends and family, because the scammer started using my account to target them. I contacted XXXX from several accounts as well as asked friends and family to do the same. I received a message from XXXXXXXX XXXX XXXX that replied to one of my accounts and it was an Automated statement that the reported account did not break any of the community guidelines and can not be taken down. At the end of the statement, it stated a disclaimer saying that this is an XXXX response and that my response may not be perfect ( something similar to this ). This takes me to the third scam. Incident 3 : The third scam happened when I was fed up and I wanted to see if there was a chance to do something about this and recover my funds back. I searched on XXXX and XXXX popped up with an article talking about XXXX scams. I started to read it when I read that I was able to recover my funds. I got a little hope and towards the end of the article stated that if you wanted to recover your funds you can contact XXXX Hackers at XXXX. So I contacted them. I wrote an email asking them if they could help me recover my XXXX. The person answered back and called himself XXXX XXXX. XXXX stated that he will look into my case. He came back a few days later stating that yes he could recover my funds and that I need to send him all the information on the scammers. After conversing with XXXX I was asked to make a payment of {$500.00}. I used my XXXX account to pay for the Bitcoin I used to purchase through XXXX to pay for the service. Then he asked me for more money. I was to pay a fee of {$300.00} for the services. After that, I was asked to send {$500.00} more to purchase a XXXX XXXX Ignoring my better judgment, I sent the money via XXXX. ( All transactions were in XXXXXXXX XXXX ). Because I was uneducated, I kept on and sent another {$400.00} for a logger. When he realized that I would not be able to pay. He then told me that he recovered the funds and it is XXXX to get the funds I would have to create a wallet using XXXX. Ok, I felt comfortable since this is my wallet and I made it. XXXX then asked me to fund the XXXX with {$5500.00} to get the XXXX because of the amount of the recovery. I told him I did not have the XXXX to fund the account and that all I had XXXX to fund the account. He told me to fund the account with that so I did. He then proceeded to give me a link to recover the funds here is the link they gave me XXXX XXXX XXXX XXXX XXXX I followed all the instructions and send a screenshot of the XXXX code he requested. I tried for hours to see if anything would happen and nothing did. No money was transferred at all. I contact XXXX after that and told him nothing was happening and that I need help to see if I did it correctly. I didn't hear from him until the next day when he had stolen the {$1000.00} out of my XXXX. That's when I realized that the link, he sent me was to steal my 12-word passphrase to my XXXX giving him access to the funds. As I mentioned before because I didn't know any better and I got desperate I kept on going with it hoping for a different turnout. Incident XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Finally, the fourth scam, after being scammed by XXXX I did a little more research on finding a proper agency to recover my funds. I did my research and through reading about how to pick a company. I found a company called XXXX XXXX. I found them through the mention of XXXX while reading a scammer recovery thread that had to allot of people on it. I thought I could trust it since it was about people who were scammed. They didn't come up on any scam alerts and were recommended by a few people in the thread. The website looks legit as well as the services they offered. I reached out to them I was contacted by email. The email was XXXX. I explained everything to them as well. I sent the information they requested. The agreement was they would recover the funds for me and that the fee would be taken out of the recovered funds. So far everything was on the up and up they updated me until they recovered the funds over {$15000.00}, They told me that to recover the funds I would need to send them my XXXX XXXX address and that they would use that in parallel with something called XXXX. Sent them the wallet address from that wallet. The money appeared in there, I was excited, thinking finally something. Then like the scammers, there was suddenly an issue to withdraw the money. I was told that because of the large number of funds I would have to fund {$2500.00} into the account to start making a withdrawal. So I took out a loan from my bank to make this happen. I thought it was legit. I bought the XXXX and transferred it into the XXXX account. Again, since I created the wallet I asked no questions. Once they verified that I funded the wallet. They told me to make a withdrawal. I did and would get a pop confirmation saying it would take XXXX minutes to confirm the withdrawal. So I would wait and wait and check back in to see that the money I withdrew was refunded back into the account. I did this multiple times and got the same results I started to get worried now. I told them of the issue. That's when they told me to contact XXXX support. I did and I was contacted by XXXX by someone named XXXX XXXX and someone named XXXX XXXX He instructed me to send my XXXX address. I did that and that's when XXXX XXXX contacted me and told me that they are testing the address link and to make a withdrawal of {$50.00}. I did and the transaction went through after an hour or so. I was excited I responded that it went through. Like clockwork, I was hit with a long spiel about I am part of the XXXXXXXX XXXX XXXX Account ( XXXX ). Here is the pasted conversation : " I ran a check on your account, and the check is complete. You are operating a XXXX XXXX XXXX Account ( XXXX ) which is to run till XXXX. Its a fixed deposit. To withdraw from this account now, it has to reach the interest threshold. You can either wait for the interest to accrue to the point of withdrawal or you can deposit the balance to get it to maturity. From what I can see here, theres a {$3000.00} deposit to be added until XX/XX/XXXX and a {$1500.00} fixed interest to be accrued on the total investment. Its either you let it run through to XXXX or you deposit the remaining amount to reach an earlier maturity date and then withdraw your profit alongside. Your current balance is fixed, youve withdrawn the {$50.00} in your accessible trade account. '' I was highly upset and told XXXXXXXX XXXX that this is not what we agreed upon and reminded them that the agreement we made was to recover the funds and fees would be taken out of that. They responded and told me they would check into it and then they came back agreeing with the XXXX team stating that yes this is true and that is the way it is done. I called them out and told them that at this point you are a scam as well and of course, they tried to convince me otherwise as all the other scammers tried to do. After everything I tried to recover my funds. I finally got some help and paid for a legit service. With their help and support, I was able to get to this point. I contacted each XXXX of my banks to make a fraud claim and was met with either silence or it was quickly dismissed with little to no explanation. I sent each XXXX of my banks a chargeback letter. When I was denied I sent a rebuttal letter. They were ignored. The response to my fraud claim was met with very slow responses and very unprofessional agents. For example, I made a claim with Chase Bank. I told the agent that I needed to make a fraud claim, and he asked me what happened. He gave me his opinion about what the outcome would be but I told him I understand but I have some information as to why I am asking for the chargeback, please tell me how I can submit this letter to your fraud department. The agent told me that he would make the claim on my behalf and that if the claim investigators need anything from me they will contact me. So a week went by and another, on the third week I contacted Chase Bank again to get an update. I spoke with an agent and she told me that there wasn't a fraud claim filed on my account. I got very upset. The lady did file the fraud claim for me she gave me the information I need to fax the claim department the documents I need to get to them. The next issue happened as I was waiting again for a response to the claim, around XXXX I received {$3000.00} in my Chase Bank account. I got excited believing I won my fraud claim and was granted the money back. About a little over a month or so, the money was pulled back out of my account leaving my account over {$2000.00} negative. When I called to ask what happened they told me that they denied the claim and that the money was just a credit on the account. I explained to her that no one told me this at all and I had no idea I would get a credit on my account. I explained that if I knew that would be the process, I would have put the money aside and never touched it until this matter would have been resolved. I also asked her why I was denied and she told me it was because I didn't send enough information and also because I didn't do by the dates the money was taken from the account. I also explained how no one contacted me at all and I would have given them more information. I felt like I got punished for trying to fight for myself. They told me that I have no choice and that I would have to pay it back. When I started asking the agent what is the procedure to pay this back, the agent hung up on me. I called back and made a complaint with the next agent. I then sent them another letter to rebut the denial from Chase Bank. I was sent a denial letter again. I also visited my local branch and talked to a lady in the claims department. She told me the same thing as well. She also told me she would send me all the information including what information the XXXX platform sent to them. I received the letter a few days later and all that was in it was the same denial letter I already had and did not include the documents I was supposed to get from XXXX. Another example is from XXXX. I contacted them about making a fraud claim. I made my claim and was met with the same situation as Chase Bank. I made a claim with the fraud department. I was told to send my documents over using email. I did so. Then I was told that I would receive a call from the claims department in a few days. Again, I would wait and wait. When I contacted them back, I was told once again that the claim was not filed. Once again more wasted time and effort. I reclaimed the fraud and sent the documents again. A few days later I got an email stating that I was denied the claim. When I contact XXXX, I was told why and they told me it was because I didn't make the claim when the transactions happened. I sent in a rebuttal letter about the denial claim. I was met with silence and no response by email or phone. I contacted all the platforms that were involved like XXXX XXXX XXXX XXXX XXXX XXXX. I sent them a letter of my complaint about the fraudulent transactions and the scam that was being run. I requested that my accounts be closed because of this. They responded with little concern and my accounts are still active to this day. | ||||||
| 06/20/2023 | Yes |
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Web | Servicemember |
| XX/XX/XXXX This is my complaint against CHASE BANK. URGENCY: HIGH IMPORTANCE: HIGH [WITHOUT PREJUDICE] I would like to draw your attention to XX/XX/XXXX - I had sent my complaint letter to CHASE BANK, in which I clearly stated how this scam has affected me personally, psychologically andfinancially. I am afraid I have had to go through so much "bureaucracy" thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly (could not prevent/foreseen fraud and could not conduct a proper investigation) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, CHASE BANK never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. General Obligation: Commencing on or about XX/XX/XXXX, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX, XXXX XXXX, and XXXX XXXX (the Scammers), all of which aim at contributing to the goal of robbing and defrauding innocent people. When determining whats reasonable and fair, we should focus on the issue of liability; common queries include, but are not limited to, the following (i) whether CHASE BANK did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety; (ii) whether by virtue of CHASE BANKs custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached; (iii) whether CHASE BANK promoted the transaction(s) in question despite being aware of the nature of the transaction(s) in question (iv) whether CHASE BANK was in compliance with its own policies and procedures; (v) whether CHASE BANK owed duties to myself, what the scope of those duties was, and whether CHASE BANK did not uphold those duties; (vi) whether CHASE BANKs conduct was unfair; and (vii) whether CHASE BANK has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, CHASE BANK must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that CHASE BANK did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past. Apropos of the fluidity of the concept of reasonableness, all CHASE BANK has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. SCAMMERS FRAUD SCHEME ALLEGATIONS On XX/XX/XXXX, I received a phone call in the morning at about XXXX XXXX. The caller identified himself as XXXX XXXX, ID ss(or XXXX) XXXX from XXXX. He stated that he was confirming a purchase that was made on my XXXX account of a gold XXXX that was to be delivered to an address in XXXX New York the next day on the XXXX. I told him that I had not made such a purchase and it needed to be cancelled. He said he would cancel it, but he needed to transfer me to their fraud division and asked me to hold for a moment. This was at XXXX XXXX. The next person got on the line (XXXX XXXX), the same phone number. This person identified himself as XXXX XXXX BadgeXXXX XXXX U.S. Marshall. He proceeded to describe that my name was used to open several bank accounts, in Texas, New York, New Jersey, etc. rent a vehicle and that my name was being used in a money laundering scheme and possibly drug smuggling. He then started to tell me that he needed me to talk to one of their U.S. Marshals that were in that department and proceeded to transfer me to yet another person. He had me stay on the line and not hang up for the whole day. The next person got on the line but had a different phone number, 1-XXXX. He identified himself as a U.S. Marshall, XXXX XXXX, badgeXXXX XXXX, assigned to my caseXXXX XXXX, and that he would explain what we could do to protect my money and provide proof that I was not involved with committing any of the fraud. He said I needed to pull all my money out of my bank account and secure it so they could open a new account to put it into at my bank. He then said to stay on the line no matter what and to not tell anyone what we were doing and asked how much money needed to be secured, I then gave him my balance in my bank account. He never asked me for my actual bank account number. He then had me go to the bank and withdraw as much as I could in cash to take to a specific Bitcoin ATM that they provided to me after I let them know what city I was in. I used XXXX all day long because my car was in the shop. I withdrew XXXX cash and proceeded to the Bitcoin ATM address they gave me. He kept stating that my XXXX trips would be refunded after all this was done. They sent me a QRC code to use at the Bitcoin ATM. I deposited the cash into the ATM and kept the receipt. Then he directed me to buy as many XXXX cash cards as I could to secure the rest. I went to XXXX and was only able to purchase XXXX cash cards for the amount of XXXX each. Then he asked if I could do an ATM cash withdrawal at XXXX for the rest. I was only able to withdraw XXXX because of limits. I told him I was at all my withdrawal limits and could do no more for XXXX hrs. He then said that once we got all my money secured that he would set up an appointment for the next day to meet another Marshall in person who would help me set up my new bank account and provide me with my new Social Security number and transfer all my money into the new account. He said he would postpone his case for a day so we could continue the next day because if we did not secure my money, they would close my bank account and my Social Security number forever. The next day, XX/XX/XXXX I was exhausted and didnt want to work with him anymore. I transferred my savings to checking for the next round of securing my money. I told him this and told him I did it because I needed to pay some bills with it and was leaving some money in my account, He then got upset and said I broke the rules and hung up on me. Please take notice that my funds were transferred through means of coercion and under false pretenses all along! CHASE BANK is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is: particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. There are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm. These recommendations are established as a general principle, the organisation should deliver a service that: 1) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation: A) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts: a. multiple cheque books; b. sudden increased spending; c. transfers to other accounts; d. multiple password attempts; e. logins from new devices, multiple geographical locations; f. sudden changes to the operation of the account; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. g. a withdrawal or payment for a large amount; h. a payment or series of payments to a new payee; i. financial activity that matches a known method of fraud or financial abuse. B) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. I am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by CHASE BANK in relation to this matter. I have also thoroughly detailed why they cannot simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. Conclusion: Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. CHASE BANKs non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. In summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you. XXXX XXXX Page 1 of 7 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY Re: Demand Letter For negotiation purposes only, without effect as to any and all rights Attn: Claims/Fraud Dept. Dear Sir/Madam, The goal of this letter is twofold: first, it aims to establish that a duty of care was breached, inasmuch as you have failed to perform adequate due diligence or/and have not acted in a reasonable and prudent manner to prevent foreseeable substantial damages I suffered as a result of a fraud [1]. Second, it shall serve as a formal written demand for reimbursement based on the aforementioned grounds, among others. A very comprehensive analysis of fraud prevention suggests that by processing an atypical, non-routine transaction(s), and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, you engaged in/ is a pattern or a practice of wrongful and negligent conduct which provided substantial assistance to advance the commission of a fraud that resulted in my financial and psychological damages. The facts and details concerning the actions in question are set forth hereunder. OVERVIEW Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX, XXXX XXXX, and XXXX XXXX (the Scammers), all of which aim at contributing to the goal of robbing and defrauding innocent people. Money was transferred from my account via debit card, and through an intermediary named Bitcoin Of America in the total amount of XXXX XXXX USD utilizing your services. This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within your organization. Additionally, it is vital that you will immediately take all actions within your power to remedy the situation, whether by raising chargeback in respect of the transaction in question or reimbursing me and crediting my account, for the full amount of these payments, in the total amount of XXXX XXXX USD Heres an indisputable fact: had you looked at the wider circumstances surrounding the abovereferenced transaction, this illicit transfer of wealth could have been prevented. Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard for the customers financial safety. 1 FCA: A more effective approach to combatting financial crime (XX/XX/XXXX) Page 2 of 7 XX/XX/XXXX 2 Against this background, and without derogating any of my rights, I hereby hold you liable for financial and emotional harm as well as medical problems relating to this victimization and demand that you reimburse my account in full within 10 days from the date of this letter. INTRODUCTION Financial crimes and fraud investigations often involve a high degree of sophistication, complexity, and sensitivity to detail. Accordingly, this letter aims to address the issue at hand as profoundly and fairly as possible, by taking into consideration contextual regulations, laws, and bylaws, as well as guidance, standards, and rules promoted by supervisory authorities, relevant codes of practice and (where suitable) what was good industry practice (GIP) at all times relevant hereto. The allegations contained herein are predicated either upon knowledge with respect to myself and my own experience or upon facts obtained through investigations conducted by qualified third parties. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. Key facts supporting the allegations contained herein are known only to the Scammer or/and are exclusively within their control. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon myself by the Scammer. Fraud is commonly conceptualized as withholding from the weaker party in a financial transaction information which is necessary to make an informed, rational or autonomous decision. In this regard, even access to adequate information is insufficient to achieve complete autonomy. A complication here is that the weaker party might have trouble analyzing the data at hand sufficiently well to identify fraudulent schemes. A reasonable solution is that financial institutions would be required to promote transparent communication in which they track the understanding of its customers. The false representations and omissions made by the Scammer have a tendency or capacity to deceive victims, such as myself, into unwittingly providing funds that fueled the Scammers fraudulent scheme and therefore are, by their very nature immoral, unethical, oppressive, unscrupulous, and substantially injurious to consumersall at once. As a result of the Scammers deceptive practices, I was deceived into transferring my funds to them. The false statements of material facts and omissions as described above; and the sham transaction(s) the Scammer perpetrated upon myself; were unfair, unconscionable, and deceptive practices perpetrated on me which would have likely tricked a reasonable person under the circumstances. | ||||||
| 04/08/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I went online to Chase.com and added an authorize user. One XX/XX/XXXX I called Chase with my authorized user on the phone to confirm adding my friend and making sure they have his correct information and his SS #. I explained to Chase that on other occasions where I added an authorized user, Chase never reported on their credit report. After calling Chase previously, I was told I had to get the person on a 3 way call and have the person give their SS #. I decided to nip it in the bud upfront and call chase just in case this happened again. I was told to give it 2 months and if it's not being reported to call back. On XX/XX/XXXX I logged into chase.com to pay off one of my credit cards ONLY TO FIND OUT CHASE closed both of my cards. I have had these cards for many years. One had a {$15.00} balance with a {$6000.00} limit and the other {$270.00} with a {$10000.00} limit. On XX/XX/XXXX I called Chase. I asked why were my accounts closed. This lady did not know and transfered me. The next lady said a letter was mailed to you. I asked when was the letter mailed. She said XX/XX/XXXX. I asked her again, why were my accounts closed? She put me on hold. When she returned she said it looks like I have had several Bank cards closed by the banks. I asked her what banks. First bank she named was XXXX. She said it was a XXXX card closed in XXXX. I told her that's XXXX yrs ago. Why in the world would they base closing my credit on an account XXXX yrs ago. I asked her WHAT about my CURRENT XXXX cards ... 3 of them that are very much open for years. Why not base it on current accounts and accounts much newer. I asked her where was CHASE getting this information. She said from XXXX. I told her I have an XXXX account and I logged in. I brought up the XXXX card closed in XXXX and told her ... this account was my fathers account. I was ONLY an authorized user on this card. Furthermore, my father closed this card, NOT XXXX. He only had this card because back then XXXX XXXX memberships were through XXXX... XXXX XXXX changed to XXXX, my father no longer needed XXXX. I asked her what other banks were listed on this list. She said there were XXXX XXXX XXXXXXXX bank cards closed by the Banks. I told her that I could clearly see that both cards were actually closed by me... the CONSUMER... I told her I closed those cards because the interest was too high ... that I only kept them for all of those years because it gave me better credit scores, but I since got much better cards with better interest and no longer needed them and I closed them. I asked her what other cards were listed on this Chase list being used to close my cards. She said there were XXXX XXXX XXXX cards that were closed by the bank. i told her one was XXXX, one was XXXX and one was XXXX. I got all three so I could have the initial HUGE discount they offered with NO shipping on first orders placed. I used each card one time and never used them again. I received letters from all three stating my account would be closed on XX date if I did not use them. I called and told XXXXXXXX XXXX to close the cards that I don't need them or want them. By this time I was besides my self in disbelief. I told her I can not believe Chase would close my cards over this reason. That I've had several bank cards closed by the issuer ... and that each one of these accounts were at least XXXX XXXX XXXX or older. Then she told me that there was also something about authorized user. She could not give me any information about this note. She transferred me to the dept who makes these decisions. A male answered. He confirmed what the previous person told me. I told him that credit decisions should be based on over all total credit history and NOT VERY OLD accounts that were closed ... and I told him by the way ... .I still have 2 XXXX accounts open and have been open for quite sometime. One is XXXX XXXX and the other is XXXX. I asked why would Chase not take into consideration I am actually still doing business with this bank. I pointed out that I still have XXXX XXXX cards... all 3 have been open for a while... and why would Chase go to a card that was closed in XXXX and use it against me... and furthermore, I was an authorized user on that card, but the XXXX XXXX cards still open were MY cards and NOT authorized user. This guy told me that yes, these were some of the reasons why Chase closed my account, but the main reason was authorized user. That over the years I've had my Chase cards, I've added and removed 14 authorized users. I asked him what the issue with authorized user was. Why was this the main reason based on CLOSING my cards. He said because this makes me a SECURITY risk. I told him no it does not. I said out of the 14, are the 3 authorized users that were current on my account included in this number. he said yes. I told him... it makes no sense and that I am not a security risk and please explain it to me. He said I am only to add " friends and Family '' as authorized user and the person I just added was only an acquaintance. I told him he and Chase have NO right to decide he is only an acquaintance. he asked me How do you know him. I told him he and CHASE did NOT have the right to ask me how I know someone, that it's not their business. he said, see you don't know him. XXXX XXXX XXXXXXXX. I told him, I know him through my ex daughter in law. he asked how does your daughter in law know him. I could not believe he was asking me these questions. I told him that I did not think it was LEGAL for Chase to ask me these questions. I told him he is friends with my ex daughter in laws new husband. ( they got married in XX/XX/XXXX ) I told this guy I had no idea how XXXX knows XXXXXXXX and that this conversation was getting ridiculous. Then he asked who were the other two authorized users. i told him I had no idea. I thought about it and said one might be my son XXXX and the other might be my son XXXX. Then this guy asked me name other people you have added as authorized user. I told him I had no idea. Then I remember I had added my friend XXXX XXXX sometime in??? XXXX maybe it was XXXX ... and that I had removed her maybe in XXXX or XXXX. I told him it was utterly ridiculous that I am suppose to remember all of the people I have added and removed and when. He told me that this was exactly why they closed my cards because i could not come up with the other XXXX persons that I have added and removed as authorized users in the past XXXX or 7 years. I told him I have added my kids and others as authorized users to other cards such as XXXX XXXX XXXX XXXX XXXX XXXX and my bank XXXX. That all I have to do is login and I can see who is an authorized user. I told him if he gave me the names of the previous authorized user, I'd be able to tell him who they were to me. He snickered and was facetious which was making my blood boil..because it's very very rude, inconsiderate and down right XXXX to have such an attitude .... I logged into XXXX XXXX. I told him the names of my authorized users. I told him it was NOT right or Fair of Chase not to provide the same as XXXX XXXX... .or XXXX or my other cards. I told him again, give me a name and I'll tell you who they are/were to me. He told me snickering ... .as if he were laughing at me .... '' And this is the reason we closed your accounts. '' I told him NO where ON Chase.com and the page where you add authorized users does it SAY or give and list or reason why or why not to add an authorized user. Only a drop down box with either " friend '' or " Family. '' there is NO explanation as to what a " friend '' or " Family '' is. I told him I have perfect credit. I do not have high balances. I told him that Chase should base me on me... .and my credit history and pay history ... and since he was got my credit report from XXXX that he could clearly see I have PERFECT credit. Every one of my accounts show " EXCEPTIONAL '' payment history. He didn't care. He said they were basing their decision on " ME '' as a person and that Chase has determine I am a security threat because I can not tell them my previous authorized users. ... .off of the top of my head and when they were added and removed. I told this guy... .so let me get this straight ... even though I have perfect Credit ... even though I keep my balances low ... XXXX though I make triple and quadruple payments not just on my chase cards buy all of my cards ... ... Chase is going to label me as a " security Risk '' because Chase thinks they have a CRYSTAL Ball or can somehow predict the future and is banking on one of my authorized users in the FUTURE is going to compromise my account by calling in and doing??? something??? He replied, that's right. I told him I never give the cards to an authorized user. I cut them up as soon as I receive them. he said it didn't matter. He said that the authorized user can call up and make changes to my account etc... I asked him ... how would this be possible. when I call chase, they verify the last four of the card, the last four of my SS #, they as me for my full name, they ask me for my address and they ask me for my password. I told him the authorized user does not know any of this information. except maybe for my home address ... .other wise they do not have the card number, the expiration date, the 3 numbers on the back of the card ... .they don't have the last fouXXXX of my SS # and they don't have of this information. They do not have my user ID or my password to login. I asked him once again. Please tell me, how is the authorized user going to be able to call Chase and compromise my account. He would NOT response. I asked him ... .how many authorized users have I added and removed in 7 or 8 years? he said 15. I said 15 because of adding XXXX yesterday. he said yes. I asked, and after all of these years and adding and removing authorized users, how many times did I have an issue/problem or my account compromised by an authorized user. He did not respond. So..I said... let me get this straight. You ( Chase bank ) is telling me that I am a security risk for the future and because I can't sit her and tell you the names of the people I have added and removed ... .Chase has decided I am a security risk for something that HAS NOT happened, But MIGHT possibly happen in the FUTURE and therefore this is the REASON Chase closed my accounts?? he replied YES, this is why your accounts were closed. I cussed at him and hung up. I am a person who prides herself in NOT using profanity, but I lost it. As soon as I hung up I felt bad... .somewhat .... I am so angry. I feel JILTED. I feel as if I have been labeled or STIGMATIZED by Chase. Chase 's reasons are FALLACIOUS at best. How is this even legal? I could understand if I had bad credit. I could understand if I have late payments with chase or other credit cards. But! I do not. Everyone 's credit report has a 10 years history..that is if they have a ten year history ... ... .My credit has a 10 year history. I have never missed a payment. I have never gone over my credit limit on any cards... .or even come closed to a credit limit. I do not have any collections ... or judgments or charge offs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I completely understand credit and I am EXTREMELY LOW on the risk level. Millions of people would LOVE to have my credit history. Because Chase is doing this ... .once this hits my credit report ... My scores will PLUMMET! There goes my HIGH credit scores. This is {$16000.00} of Credit being STRIPPED away under BOGUS, Unrealistic and RIDICULOUS reasons. Furthermore, when I was one the phone with Chase ... .if this is indeed their policy, WHY DID NOT THEY INFORM me? Why didn't they say ... .You have added and removed too many Authorized users and we believe the authorized users were neither family or friends... why did CHASE not inform me or just say, we are no longer going to allow you to add authorized users. Instead, they closed my accounts with NO WARNING ... reason I had to accidentally find out by logging in online. I BELIEVE it should not be legal for a credit card company to Label a credit card holder a " security risk '' because of Possibility of FUTURE authorized users who may or may not compromise my account. I believe that Chase should inform or provide information to their policies and break down and explain their Authorized user program. Had I known about this... I may or may not have added previous Authorized users. Is there someone at Chase that can see the future? Chase made their decision on what may or may not happen in the future. They could have just told me or warned me. I would refrain from adding authorized users. Problem solved, but instead without any warning they closed both accounts. Closing my accounts will be DETRIMENTAL to my credit and to me Not only will my scored PLUMMET ... .but this may cause a chain reaction. Banks and most creditors periodically check credit of account holders. Some of these creditors might have an issue with my scores dropping and I could have other accounts closed or limits dropped which would cause my scores to drop more I mentioned above I had added XXXX XXXX to one of my Chase cards a few years back. The reason I added her is because she called me and asked me why would Chase lower her credit card limit. I told her I didn't have a clue. She said by Chase lowering her credit limit, her scores dropped a lot She said she called Chase, but no one could tell her why and that she will receive a letter. When she receive the letter it did not have an explanation. She called Chase back. No one could give her a " REASON ' why Chase lowered her credit limit ( cut it in half ) She had never missed a payment, never went over her limit. I told her to apply for another card to make up for the credit limit. She was unable to get a card ... ..SO ... I added her as an authorized user so her scores would come back up. when her scores went up, she once again applied for another credit card with another institution and she got it. I removed her as an authorized user once she was able to get another card to re-establish her credit and her OVER ALL UTILIZATION went back down and her scores went back up. I believe Chase is predicting the future and making decisions on their predictions. I do not believe that this is right... .or fair or should be allowed. I am asking the CFPB to investigate this ... .I am asking CHASE reinstate my Credit cards. Just as Chase ruined XXXX XXXX credit with NO warning or Explanation, they are doing it to me. I will agree never to add authorized user to my chase accounts. This is all Chase had to do. I would have NEVER added XXXX on the XXXX of XXXX had I known this would be a problem... I would not have done it, but since CHASE does not provide consumers with information explaining do 's and don't s, how are WE Consumers suppose to know? I work hard to keep my credit EXCELLENT... not just good. There should be laws, rules regulations for banks to provide information and put it out there. I also think it is EXTREMELY important that CHASE allow their consumers to see AUTHORIZED users when they log in. All of my other credit cards have a list... ..I have a few authorized users on a few cards ..... I can see them at anytime by logging in. Also, on these accounts they ask ... .what kind of access to give authorized user. I always choose NO access or limited I always have the cards send to me and when I receive them I cut them up. I am being XXXX XXXX XXXX XXXX by chase and being punished for something that may or may not happen ... .yet! has not happened. I have uploaded my Chase Sapphire & Chase Freedom XXXX statement showing low balance and credit limit I do not abuse these cards. Showing I make much more than just MINIMUM payments. I have uploaded copied and pasted from XXXX current XXXX cards and XXXXXXXX XXXX cards. These are open accounts & have been open for some time. I have uploaded these because Chase choose a XXXX card closed in XXXX claiming BANK closed this card and claiming this is one of the reasons for the decision to close my account. This was my fathers card. I was an authorized user. Furthermore, I have THREE XXXX cards... very much open and active and in EXCELLENT standing. Chase also choose XXXXXXXX XXXX stating cards closed by grantor, yet I have TWO XXXX accounts opened ... and had Chase inquired why the other three were closed. They were closed due to INACTIVITY because I never used them... BUT! I paid these XXXX off in a very short time... .because I did not want to pay the INTEREST. I do not like paying interest. The last uploaded document is also copied and pasted from XXXX This screenshot shows all of the account CHASE used in their decision of closing my accounts. The lady at Chase who told me this said I had too many bank cards closed by grantor. She told me this info came from XXXX. Below is a list from XXXX of these Specific cards the lady from Chase mentioned Chase 's Decision is based on OLD cards closed long ago. Instead of using all of the OPEN BANK CARDS I still have and have had since or before these cards were closed. They reasoning for this decision does not make sense. Furthermore, both XXXX XXXXXXXX XXXX cards were closed by the CONSUMER and NOT by the grantor. The XXXX card was an authorized user and should not have even been considered in their Decision. The XXXXXXXX XXXX cards were opened only to get the huge discount they were offering for FIRST TIME use. I love a BARGAIN and if I can get 35 % off of my first purchase and FREE shipping, then you betcha I'm going to get the card. I had NO USE for these cards after the first Purchase. Besides I much prefer shopping on XXXX, but it just so happened that the items I purchased from XXXX and XXXX came out much cheaper than it would have cost me on XXXX... .YET, Chase is going to penalize me for this and say... .OH MY... SHE HAS TOO MANY BANK CARDS closed by the grantor. SERIOUSLY?!?!? 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX 4. XXXX XXXX This also | ||||||
| 02/11/2019 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, I opened a case against Chase Bank personnel that was much more than just an inquiry about my concerns for my Chase Home Equity Line of Credit ( HELOC ) account with the Consumer Financial Protection Bureau. The Bureau acknowledged receiving it on the same day and assigned case # XXXX to my complaint. In my original complaint ; I levied provable and serious charges specifically against XXXX XXXX XXXX, Chase Banks notary. The letter with attachments I received in response to my original complaint was unsigned, but dated XX/XX/XXXX and postmarked XX/XX/XXXX. I strongly believe it was authored by XXXX XXXX, the Chase Fraud investigator who would logically render her findings in this manner. Likewise those findings can be quickly summed up by quoting paragraph # 5 of MS XXXX letter. In it she states that We carefully reviewed the history of your account ( NOTE : my husband and my personal checking account ) and we did not find any instances of deceptive tactics. In Paragraph # 2 of MS XXXX letter she writes : We have enclosed a copy of your Deed of Trust, which shows both you and XXXX XXXX XXXX, XXXX signature. This one sentence paragraph contained in this formal and official letter to me from Chase Banks Executive Office in response to my complaint sent through the CFPB is a total, complete and unmitigated lie. The Deed of Trust that Chase included in its response to me is in fact the forged document with the self evident proof of forgery, perjury and fraud that rests within its own pages. Further, this forgery turned into a counterfeit when it was recorded as a truthful and accurate document. I firmly believe the forger who perpetrated this fraud and in turn perjured herself is XXXX XXXX XXXX, Chase Banks notary. She compounded her unlawful actions when she either recorded this document on XX/XX/XXXX herself or sent it into the county recorders office through Chase channels with a batch of other documents to be recorded. The proof is documented on : A. Page 10 signature page : 2 places for XXXX XXXX XXXX to sign and 2 places for XXXX XXXX XXXX, XXXX to sign ; however, only my signatures appear on this page. Clearly understand that while the signatures appear to be mine, they are not. I never signed this document. B. Page 11 XXXX XXXX XXXX states she witnessed me sign as a trustee of our trust and she states that she WITNESSED XXXX SIGN AS A TRUSTEE OF OUR TRUST. C. Page 12 XXXX XXXX XXXX states she witnessed me sign as an individual and she states that she WITNESSED XXXX SIGN AS AN INDIVIDUAL. Pages 11 and 12 also prove two additional and critical points : D. XXXX XXXX XXXX clearly states that she witnessed XXXX sign his own name by his own hand. E. XXXX XXXX XXXX does not state that she witnessed ME SIGN EARLS NAME BY MY HAND AS THE HOLDER OF HIS POWER OF ATTORNEY. She states she personally witnessed with her own eyes XXXX sign this page himself. Now a question for the XXXX Fraud investigator, the CFPB Executive Office and all other personnel with a direct and/or indirect hand in determining fact from fiction from what rests within the pages of the Chase HELOC Deed of Trust that was recorded on XX/XX/XXXX and that is the focus of this legal matter. The facts and circumstances of this case that have previously been laid out for your edification in great detail and which are being laid out before you once again in above points A thru E that does it not give you pause to look deeper into the Deed of Trust? Is the fact that XXXX signatures are nowhere to be found on page 10 of the Deed of Trust lost on you? These facts are not so obscure that it would be easy to miss so how did you miss it? Second question : are you willfully ignoring the glaring fraudulent declarations made by XXXX XXXX XXXX when she affixed her signature and notary stamp to pages 11 and 12 of this Deed of Trust? There is no question in my mind that her actions are criminal in nature as laid out in County, State and Federal statutes outlined in part below : F. First, the crime of forgery was detected on this Deed of Trust that turned it into a Counterfeit document used as a security in violation of 18 USC Ch. 25 : COUNTERFEITING AND FORGERY. From Title 18CRIMES AND CRIMINAL PROCEDURE PART ICRIMES and ARS 13 2002 A 1 513. Securities of the States and private entities. Further, for purposes of this section : ( 1 ) The term " counterfeited '' means a document that purports to be genuine but is not, because it has been falsely made or manufactured in its entirety ; ( 2 ) the term " forged '' means a document that purports to be genuine but is not because it has been falsely altered, completed, signed, or endorsed, or contains a false addition thereto or insertion therein, or is a combination of parts of two or more genuine documents ; ( 3 ) The term " security '' means any other written instrument commonly known as a security ; G. Second, this fraudulent document was then recorded into the Public Records of XXXX County, Arizona in the form of a DEED OF TRUST as security for a Chase bank loan. That Deed of Trust is a provably forged counterfeit that even a casual observer can easily spot as a forgery is prima fascia evidence of fraud, has been sent through the United States Postal Services Certified Mail multiple times. It is my understanding this action constitutes the Federal Crime of Mail Fraud. Third : are you so blind that you can not see the parameters of this case? XXXX XXXX XXXX clearly states that she witnessed my husband sign this document in two places ; one as a trustee of our trust and the other as an individual. If she is telling the XXXX honest truth, WHERE ARE HIS SIGNATURES ON PAGE 10 of this Deed of Trust? Now to the other points raised in the Chase Executive Office cover letter : H. Let me remind you that months before my husbands death, XXXX XXXX, the Chase Bank Branch Manager, informed me that this HELOC that we were supposed to sign on XX/XX/XXXX, but did not because the notary failed to return to the bank for that signing ; was funded the first business day after XX/XX/XXXX as an unsecured line of credit. Further, he gave me the unsigned and undated complete 19-page HELOC paperwork along with Chases single page Errors and Omission document that tied directly to this HELOC that was also unsigned and undated. I. This very same HELOCs unsecured Deed of Trust turned into a secured Deed of Trust through XXXX XXXX XXXX handy work when I believe she forged and then recorded, or had recorded, the subject Deed of Trust on XX/XX/XXXX. Shortly after my husbands death on XX/XX/XXXX ; I notified Chase of that fact. As soon as his death certificate arrived in the mail, I provided Chase with a certified copy for the banks records. At the time I told the teller I would prefer to keep my husbands name on our accounts along with his name on our checks. The teller said there was absolutely no problem because many widows/widowers choose to do so. It was my choice to keep XXXX name on our accounts and checks then and it remains so today. J. In paragraph 3 of your letter, you refer to my taking out 2 cash advances, one on XX/XX/XXXX and the second XX/XX/XXXX, neither of which has a thing to do with the forgery that occurred on an unknown date after XX/XX/XXXX ; the date on which we were supposed to sign the HELOC, but did not and XX/XX/XXXX ; the date on which the notary recorded, or had recorded, this fraudulent Deed of Trust with the XXXX County Recorders Office. XXXX In paragraph 4, you refer to those funds being paid into account # XXXX and then paid from that same account that was and remains in both of our names. This red herring holds absolutely no significance beyond my deep desire to continue to show honor and respect for the man who continues to be my husband. Clearly understand that money being deposited into our checking account and then paid back from this account was never an issue. In fact this is nothing more than a smoke and mirrors tactic to cloud the real issues that were and are purposefully being ignored. NOTE : XXXX and I have 2 personal checking accounts, # XXXX that was the primary checking account before, during and after XXXX and the subject account for this set of transactions. The secondary account before, during and after XXXX ends in # XXXX. That account became the primary account after # XXXX had been the subject of an identity theft scare. Our names were on both of these well established accounts long before my husbands death. Both of our names appear on both of these accounts today. For the record, I find great contentment, peace and joy seeing his name along with mine on our checks. L. In preparing this document in response to your letter dated XX/XX/XXXX, it became abundantly clear that you accidentally or intentionally misidentified our primary checking account as being # XXXX instead of it being # XXXX. Proof of this additional error on your part rests with the 2 Consolidated Balance Summary Bank Statements one dated in the upper right hand corner of the page XX/XX/XXXX through XX/XX/XXXX, followed by Primary Account # XXXX and the second also dated in the upper right hand corner of the page XX/XX/XXXX through XX/XX/XXXX, followed by Primary Account # XXXX. I have taken the liberty of removing all of the individual personal entries associated with these monthly statements as they are no ones business but my own. I have done the same for the Loan Transaction Summary Date of Notice XX/XX/XXXX as well as the Chase Detailed Transaction History dated XX/XX/XXXX for the Activity for Period XX/XX/XXXX XX/XX/XXXX. Given the fact that you never failed to refer to the appropriate primary checking account being # XXXX, how could you have misidentified the secondary account as the primary account on both of the Consolidated Balance Summary Bank Statements themselves? This level of carelessness defies all logic. Do you care so little about the quality of your work that you continually make this type of glaring error? M. In paragraph # 5, you clearly state that in your careful review of our account, you did not find any instances of deceptive tactics. It is unclear whether you are referring to deceptive tactics on my part or those of the banks. Also, pray tell, which account are you referring to - # XXXX or # XXXX? I really want to know. Additional proof of fraud, counterfeiting and perjury on behalf of XXXX XXXX XXXX rests with the fact that there can only be a blue ink signed original of the Deed of Trust if in fact we both signed it in front of her. Neither my husband nor I personally signed the HELOC including its Deed of Trust because you need to pay very close attention to the reality that in writing only my alleged signature appears on the signature page, not both of our signatures. The blue ink original document does not exist, can not be produced and therefore cancels out this HELOC in its entirely. * The second piece of physical evidence that Chase Bank and/or XXXX XXXX XXXX can not produce is her notary book showing both XXXX and my signatures entered into the section of pages where signatures of individuals were logged in for the date of XX/XX/XXXX thereby documenting this transaction actually took place as the Deed of Trust implies. No notary book containing our signatures on that date, or any other date for that matter up until the date the Deed of Trust in question was recorded exists. This constitutes additional supporting evidence that XXXX XXXX XXXX perjured herself while committing multiple counts of fraud. N. The question arises now and than as to why I continued to make payments on the Chase HELOC after the XXXX XXXX Reverse Mortgage went through. The answer is very simple and I will restate it here : In XXXX or XX/XX/XXXX I was in Chase making a deposit when XXXX XXXX, the bank branch manager, said to me that he " needed to tell me something important '' and it was that " someone with Chase really messed up because the paperwork to attach our home as collateral to the HELOC ending in # XXXX was never processed and therefore it went through as an unsupported loan. At the same time he handed me a complete copy of the HELOC along with the Chase Errors and Omissions document containing all of the same dates and numbers as are present on the HELOC itself. O. In XXXX I applied for a XXXX XXXX Reverse Mortgage. As part of the normal procedures of processing a reverse mortgage, XXXX XXXX contracted with XXXX XXXX XXXX XXXX and XXXX Reverse Escrow to search for all loans that connected our home as collateral to a given loan. The reality is that at the time the reverse mortgage was being processed, neither XXXX XXXX XXXX XXXX nor All-American Reverse Escrow located the recorded Chase Deed of Trust and subsequently did not pay it off. The XXXX XXXX Reverse Mortgage went through on XX/XX/XXXX. The failure of XXXX XXXX XXXX XXXX and XXXX Reverse Escrow to do their due diligence has cost me dearly. P. First of all based on the statements made to me in person by XXXX XXXX and the evidence he provided me at the same time that comprised the HELOC and the single page Errors and Omissions documents, I did not question continuing to make payments on it. Clearly understand both of these documents were undated and unsigned. In the case of the Deed of Trust, it was also not notarized. Further, while the Errors and Omissions document was also undated and unsigned, because of its significance, I believe it should have been notarized as well, but as with the signatures, it was not notarized. I kept making payments on the XXXX XXXX from the date the XXXX XXXX Reverse Mortgage went into effect until XX/XX/XXXX to the tune of well over {$50000.00} at which time it became impossible for me keep making those payments because they went from a few hundred dollars to well over a thousand dollars per month. Interestingly my new reality became clear when I was unable to make those HELOC payments. The point being the unsecured HELOC described to me by XXXX XXXX in XXXX as such is now a secured HELOC with my home attached as collateral for it. The last 12 pages of this Chase Line of Credit comprises the Deed of Trust and it is this part of the HELOC that is now signed, notarized and recorded as of XX/XX/XXXX. It is a forgery. I believe only someone within the XXXX banking system could access my unsecured HELOC and without my knowledge or permission attach my home as security for it. I also want you to fully understand the fact that I had no knowledge of this recorded Deed of Trust until XX/XX/XXXX when a realtor found it on the XXXX County Recorders website and sent it to me. I find it ironic that only because of the kindness of a stranger that I learned my home was now being used as security for this counterfeit Deed of Trust. Further, a foreclosure sale date of XX/XX/XXXX had been set. The ramifications of this horrific set of circumstances were driven home to me in such a painful manner that it totally defies description. Other words that fit the dynamics of the untenable place I found myself in include, but are not limited to the following : surreal, unbelievable, heart wrenching, horrendous, appalling, gruesome, ghastly, sickening, horrifying.. This is an absolute and outright case of fraud. Per United States XXXX XXXX : : XXXX XXXX XXXX ( XXXX ) : Evidence of inherent fraud has been found in this case ; therefore per Ex37 Am Jur 2d at section 8 states, in part : " Fraud vitiates every transaction and all contracts. Indeed, the principle is often stated, in broad and sweeping language, that fraud destroys the validity of everything into which it enters, and that it vitiates the most solemn contracts, documents, and even judgments. '' Chase has the responsibility to hold their guilty employee ( s ) accountable for her/their illegal actions. Further, Chase has the legal and moral obligation to return every penny I paid them with interest. I believe those unnecessary HELOC payments were made from the date the Forged Deed of Trust was officially recorded as a public document in the XXXX County Recorders Office until today. XXXX XXXX has the responsibility of holding their Title and Escrow companies accountable for their failure to find and pay off the recorded Deed of Trust that used our home as collateral for it. Not only that, XXXX XXXX XXXX XXXX issued a clean and clear title that is not true. The foreclosure action is proof that this title to our property is not clean nor is it clear. Likewise, this recorded Deed of Trust was the vehicle XXXX blatantly used to initiate and prosecute foreclosure actions post XX/XX/XXXX. The failures of XXXX XXXX XXXX XXXX, XXXX XXXX and Chase banks in this matter has harmed me greatly both financially and emotionally. For my own wellbeing, I need an acknowledgement from you that you have received, read this claim and are processing it in a timely manner. I require this matter to be property adjudicated no later than 30 days from the date you receive this document. While you are conducting a new investigation into Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All-American Reverse Escrow, and of course XXXX XXXX XXXX and the XXXX County Recorders Office ; you may wish to make a strong suggestion to Chase Bank that they make a good faith gesture to me by refunding the money I unnecessarily paid to them in the Line of Credit payments. One last hard reality every one of you needs to keep in mind : This is my life and my home that has been manipulated and in affect held hostage by employees of both banks. Clearly understand THIS IS NOT A GAME AND I AM NOT PLAYING WITH YOU. | ||||||
| 09/18/2017 | Yes |
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Web | Servicemember |
| XX/XX/XXXX XXXX XXXX XXXX , XXXX. ( Purported Sub-Servicer, Loan # XXXX ) ATTN : Ombudsman Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Via Facsimile : XXXX Via Email : XXXX XXXX XXXX XXXX ( SUBSTITUTED TRUSTEE DOC # XXXX ) ( Acting as TRUSTEE under the Deed of Trust # XXXX ) ATTN : XXXX XXXX XXXX, VP of Operations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Via Facsimile : XXXX Via Email : XXXX XXXX XXXX XXXX, XXXX. ( Purported Trustee for the Trust XXXX XXXX XXXX, Loan # XXXX ) ATTN : LEGAL DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Via Facsimile : XXXX JPMorgan Chase, N.A. ( FKA XXXX XXXX XXXX XXXX XXXX. ) ( Purported Lender & Originator of Purported Loan # XXXX ) ATTN : LEGAL DEPARTMENT XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX Via Facsimile : XXXX XXXX : CEASE AND DESIST LETTER FOLLOW-UP REGARDING TRUSTEE SALE NO : XXXX CA ; XXXX XXXX XXXX LOAN # XXXX ; PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX REFERENCE TO CFPB CASE # To whom it may concern : This is to formally notify you I just received inconsistent responses to my Cease and Desist Letter dated XX/XX/XXXX from XXXX less than one month ago ( the envelope was not dated therefore, I can not give you a specific date and JPMorgan Chase was not received by me until XX/XX/XXXX and I need more time to respond. The information coming in all at one has been overwhelming and both XXXX and JPMorgan Chase have sent responses without CFPB assigned case numbers and these additional mail have responses that have been changed and reworded and documents enclose are also have a slight variation. I need more time to properly respond. Meanwhile, you must continue to Cease and Desist all trustee sale activities until I am given proper time to respond. Both XXXX, and JPMorgan Chase have requested additional time and I should be allowed the same consideration. You must Cease and Desist especially for the following reasons with regards the Corporate Assignment of Deed of Trust, Instrument # XXXX ( AODOT ) and the Substitution of Trustee, Instrument # XXXX ( SOT ). Both Instruments are invalid due to evidence that the documents were executed fraudulently. 1. The Corporate Assignment of Deed of Trust, Instrument # XXXX ( AODOT ) must be VOID for the following reasons : a. XXXX XXXX XXXX does not have any authority to sign as a XXXX XXXX XXXX XXXX , XXXX. ( XXXX ) Employee. b. XXXX XXXX XXXX was also a JP Morgan Chase Bank ( JPMC ) employee on XXXX. She was working in the Chain of Title Department fulfilling a variety of tasks. c. XXXX XXXX XXXX has been known to sign for JPMC as Vice-President. d. The acknowledgement is does not conform to California and Louisiana Laws/Statutes. e. XXXX XXXX, the Notary is authorized so perform Notarial acts within her Parish, and how can she acknowledge XXXX XXXX XXXX signature if she is a XXXX employee and XXXX is located in XXXX, Michigan? f. Once again, there is no supporting document attached to the AODOT, showing that XXXX XXXX has authority to sign for XXXX. g. On my Cease and Desist letter dated XX/XX/XXXX, I asked for even a CORPORATE RESOLUTION as required under the XXXX consent order in XX/XX/XXXX and yet, I still have not received this document from either XXXX and, or JPMorgan Chase. h. There is no mention of the ADJUSTABLE RATE NOTE ( NOTE ). The DEED OF TRUST, Instrument # XXXX ( DOT ) must follow the NOTE. i. This was not acknowledged Under Penalty of Perjury and it also does not conform to the Corporate Acknowledgement laws/statues of Louisiana. It also does not conform to Californias Corporate Acknowledgement within that state either. California Civil Code 1189 and 1190. j. XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a DEFUNCT company. XXXX filed a certificate of surrender on XX/XX/XXXX. k. XXXX ( XXXX, without an XXXX ) was suspended to conduct business in California on XX/XX/XXXX and XXXX ( XXXX, with an XXXX ) registered with the California Secretary of State in XX/XX/XXXX. XXXX can not be a nominee under DOT for several reasons but especially because XXXX was not licensed to conduct business in California. l. XXXX XXXX, was a Senior Vice President at XXXX XXXX XXXX ( XXXX ), located in Florida ( now is a CIO ) prepared the AODOT. XXXX is a mortgage m. document preparation and recording company. XXXX XXXX, while employed at XXXX, PREPARED THE AODOT and sent the blank document to JPMC. XXXX XXXX XXXX, a Senior Operations Specialist who was employed at JPMC n. from XX/XX/XXXX through XX/XX/XXXX signed the blank document prepared by XXXX on XX/XX/XXXX. JPMC/XXXX XXXX XXXX, sent the executed AODOT, without an attached XXXX Corporate Resolution attached as required, especially by the XXXX Consent Order in XX/XX/XXXX back to XXXX. XXXX then, requested for the AODOT to be recorded at the XXXX XXXX County Recorders Office on XX/XX/XXXX. o. This AODOT is clearly robo-signed and fraudulent. p. The chain of title is BROKEN. See the MISSING ASSIGNMENTS ( securitization ) below. i. Assignment from XXXX to XXXX XXXX XXXX ( Sponsor for the purported Trust, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is missing. ii. Assignment from XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) ( Depositor of XXXX XXXX ) q. CA Civil Code 1190, Proof of Acknowledgement of Instruments. The certificate of acknowledgment of an instrument executed on behalf of an incorporated or unincorporated entity by a duly authorized person in the orm specified in Section 1189 shall be prima facie evidence that the instrument is the duly authorized act of the entity named in the instrument and shall be conclusive evidence thereof in favor of any good faith purchaser, lessee, or encumbrancer. Duly authorized person, with respect to a domestic or foreign corporation, includes the president, vice president, secretary, and assistant secretary of the corporation. r. The AODOT in XXXX XXXX opinion is a WILD DEED. A wild deed is a recorded deed that is not in the chain of title because a previous instrument connected to the chain of title was not recorded. This wild deed, Instrument # XXXX will not, can not provide constructive notice to later purchasers of the property, because subsequent bona fide purchasers ( BFP ) can not reasonably be expected to locate the deed while investigating the chain of title to the property. A wild deed is also known as a thin air deed. The Problem of the Wild Deed : If a deed, entered on the records ( A to B ), has a grantor unconnected to the chain of title ( O to A ), then deed is a wild deed. It is incapable of giving record notice of its existence. s. The NOTE and DOT was never assigned to the trust when the Trust, XXXX XXXX in XX/XX/XXXX. t. UNPERFECTED LIEN. In XX/XX/XXXX there was blanket lien perfection under California Commercial Code 9312 the Assignment of Deed of Trust must be filed within 20 days of XX/XX/XXXX sale to, in this case based on the AODOT, XXXX would have to be the new investor. u. Fraudulent indorsement on the Adjustable Rate Note. v. Unclean Hands. w. False Claims x. The AODOT was recorded on XX/XX/XXXX while XXXX XXXX was still in ACTIVE Chapter XXXX, Bankruptcy. This only proves that the purported loan # XXXX by XXXX had an UNSECURED STATUS when he filed for Chapter XXXX Bankruptcy protection on XX/XX/XXXX. This is a violation of the Automatic Stay. The Creditors were asked to file their PROOF OF CLAIM, and not attempt to perfect a lien and fraudulently claim ownership without satisfactory evidence as XX/XX/XXXXor XX/XX/XXXX. y. There are other issues XXXX XXXX finds to be irregular and questionable with regards to the AODOT and we will address them at another time. 2. The Substitution of Trustee, Instrument # XXXX ( SOT ) should be VOID for many reasons : a. XXXX of all, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) can not be the Trustee of the purported Trust, XXXX XXXX for reasons mentioned in Section 1 above. b. The SOT is invalid because it was executed by a XXXX XXXX, a XXXX XXXX XXXX, XXXX. ( XXXX ) Document Control Officer on XX/XX/XXXX. XXXX claims to be the Attorney-in-Fact to the purported current Beneficiary, XXXX, as the Trustee of the Trust XXXX XXXX. Per Section 24 of the DOT, only the lender is names as the party authorized to appoint a successor trustee. The Deed of Trust does notallow for the beneficiary to execute the Substitution of Trustee. c. The SOT Notary Acknowledgement does not conform to California and Utah Laws/Statutes. d. CA Civil Code 1190, Proof of Acknowledgement of Instruments. The certificate of acknowledgment of an instrument executed on behalf of an incorporated or unincorporated entity by a duly authorized person in the form specified in Section 1189 shall be prima facie evidence that the instrument is the duly authorized act of the entity named in the instrument and shall be conclusive evidence thereof in favor of any good faith purchaser, lessee, or encumbrancer. Duly authorized person, with respect to a domestic or foreign corporation, includes the president, vice president, secretary, and assistant secretary of the corporation. e. There is not a Sub-By-Code Declaration of record as required by CA Civil Code 2934a ( 2 ) ( D ). The statute states the following : Notice of the substitution was sent by certified mail, postage prepaid, with return receipt requested to each holder of an interest in the obligation secured by the deed of trust who has not joined in the execution of the substitution or the separate document. The separate document shall be attached to the substitution and be recorded in the office of the county recorder of each county in which the real property described in the deed of trust is located. Once the document required by this paragraph is recorded, it shall constitute conclusive evidence of compliance with the requirements of this paragraph in favor of substituted trustees acting pursuant to this section, subsequent assignees of the obligation secured by the deed of trust and subsequent bona fide purchasers or encumbrancers for value of the real property described therein. f. The Grantor Trustor, XXXX XXXX is not listed on the Index which doesnt allow contructive notice. When you search for recorded documents, the SOT does not appear. This has been addressed numerous time and including to XXXX XXXX XXXX, Vice-President of XXXX XXXX XXXX on XX/XX/XXXX and her reply to me was, its not our fault that the County Recorder erroneously did not index the Substitution of Trustee properly. Later that day when I sent her an email recapping the days events and correspondence and telephone conversations. Since XX/XX/XXXX. XXXX XXXX and I keep good, clean and concise records of all correspondence and conversations. g. XXXX XXXX, the Notary is authorized so perform Notarial acts within her Parish, and how can she acknowledge XXXX XXXX XXXX signature if she is a XXXX employee and XXXX is located in XXXX, Michigan? h. Once again, there is no supporting document attached to the AODOT, showing that XXXX XXXX has authority to sign for XXXX. All parties mentioned above have, still continues to fraudulently act in concert to confuse, mislead and falsely claiming ownership of XXXX XXXX property and threatening to foreclose when they have not proven standing. Under the terms of the NMS and HBOR, you must adhere to significant new homeowner protection. The consent order requires that JP Morgan Chase and its affiliates meets the servicing standards set up by the XX/XX/XXXX National Mortgage Settlement ( NMS ) with the five largest banks. Specifically, XXXX is in violation of California Civil Code section 2923.55 in that SPS and JPMorgan Chase continues to fail in provide ALL the requested documents as required by code even though this demand has been made in writing to XXXX on since XX/XX/XXXX and JPMC since XX/XX/XXXX and again on XX/XX/XXXX by phone, Qualified Written Request and Cease and Desist letters in XX/XX/XXXX and XX/XX/XXXX. JP Morgan Chase, XXXX and XXXX XXXX XXXX and its subsidiaries, are also in VIOLATION of the HBOR and many other CALIFORNA, FEDERAL LAWS and ACTS. Specifically, JP Morgan XXXX, XXXX and XXXX XXXX XXXX are continues to violate California Civil Code Section 2924.17 in that the recorded documents are not accurate and are not supported by competent and reliable evidence. There seems to be strong evidence of robo-signing, perjury and forgery in the documents recorded in the official land records of XXXX XXXX County. I am especially referring to the act of XXXX falsely claiming to be the owner ( XXXX/XXXX ) of XXXX XXXX property by fraudulently recording an AODOT XXXX XXXX County Recorders Office on XX/XX/XXXX ( see above ). XXXX XXXX XXXX is also being formally notified the " substitution of trustee '' is now VOID on its face, and as such has NO LEGAL EFFECT. XXXX XXXX XXXX and is acting without right or authority and all publications by XXXX XXXX are without privilege, subjecting XXXX XXXX XXXX to slander of title liability. XXXX XXXX XXXX is claiming to be a properly substituted trustee, and as such, is to act as an independent third-party who is responsible to all parties, not just XXXX. XXXX XXXX XXXX is being formally notified that all trustee sale activities are in violation of in VIOLATION of JP Morgan Chase and its Subsidiaries NMS, Californias HBOR and all other State and Federal laws. XXXX XXXX continues to dispute the VALIDITY of the AODOT and SOT filed at the XXXX XXXX County Recorders Office. This letter is a formal COMPLAINT addressing XXXX XXXX concerns and DISPUTING THE VALIDITY OF ALL DOCUMENTS recorded and filed in the XXXX XXXX County Recorders Office where the documents listed below have been filed against his once, good title. In addition to the AODOT, SOT, this complaint is also addressing two Notices of Default, Notice of Rescission of the Notice of Default and Two Notices of Trustee Sale. The title to his property located at XXXX XXXX XXXX, XXXX, CA XXXX has been slandered and clouded by numerous false, robo-signed and potentially even fraudulent documents. See the see attached EXHIBITS with my notes of fraud, irregularities and etc. This letter is a formal CEASE AND DESIST from any further trustee sale activities against XXXX XXXX and his property. Specifically, the " assignment '' to the alleged beneficiary, XXXX XXXX XXXX, XXXX, the purported Trustee of the securitized trust, XXXX XXXX XXXX XXXX XXXX XXXX was done by XXXX without authority of the principal and fails to acknowledge the principal. The assignment is void on its face and is of no legal effect. The XXXX is fraudulent, see attached EXHIBIT. A XXXX employee, XXXX XXXX had no authority to execute and caused to be filed and record at the land records of XXXX XXXX County, a Corporate Assignment of Deed of Trust in the name of XXXX and especially while holding title as a Senior Operations Specialist for JPMorgan Chase. XXXX XXXX XXXX, XXXX. has no standing. The Assignment is fraudulent, flawed, void and has no effect. There was also no mention of the NOTE in the Corporate Assignment of Deed of Trust and it also was not acknowledged under Penalty of Perjury. The Corporate Assignment of Deed of Trust did not list the CORRECT trust name. The TRUST name is XXXX XXXX XXXX XXXX XXXX XXXX and the DEPOSITOR of the trust is XXXX XXXX XXXX XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The title to my property been slandered many times by all these fraudulent documents being recorded my property since. The SOT has numerous violations, irregularities and obvious robo-signing. The individual who prepared or requested of did not Index the Trustor or nor was there an Affidavit of Mailing attached other irregularities. The Notice of Default is now in void on its face, and as such has no legal effect. XXXX XXXX XXXX is acting without right or authority and all publications by XXXX XXXX XXXX are without privilege, subjecting XXXX XXXX XXXX to Slander of Title liability. XXXX XXXX XXXX is also being formally notified of the Substitution of Trustee is null and void on its face, and as such has no legal effect. XXXX XXXX XXXX is acting without authority and all publication by XXXX XXXX XXXX are without privilege subjecting XXXX XXXX XXXX to Slander of Title liability. XXXX XXXX XXXX is claiming to be the properly substituted Trustee though I am disputing the of this substitution and as such, is to act as an independent 3rd party who is responsible to ALL parties, not just XXXX XXXX XXXX is being formally notified the intended Trustee Sale is in violation of several California Civil, USC and UCC Codes. Per Civil Code 2924.12, I may seek damages of {$50000.00} for material violations as well as attorneys fees. Please contact me via email at XXXX and also copy XXXX XXXX at XXXX to discuss further. Please postpone todays, XX/XX/XXXX Trustee Sale so you can address XXXX XXXX concerns. Please refer to Exhibits enclosed Cease and Desist letters dated XX/XX/XXXX and XX/XX/XXXX. Sincerely, XXXX XXXX, ( Acting on behalf of XXXX XXXX ) cc : U.S. Department of Justice ATTN : Financial Fraud Enforcement XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX Office of the Comptroller of Currency U. S. Department of treasury Attention : consumer protection/customer assistance group XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX California State Attorney General XXXX XXXX XXXX XXXX, CA XXXX County of XXXX XXXX District Attorney Attention : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) I want the CFPB to publish this description on consumerfinance.gov so t | ||||||
| 12/12/2017 | Yes |
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Web | |
| We opened a business line of credit ( LOC ) with Chase to fund some advertising we were doing back in XXXX of XXXX. The balance went up and down over the years as we used it for different business expenses. In XXXX we stopped using it and it sat idle with us paying the {$100.00} per month we had been paying from the very beginning. It was completely idle with the exception of 3 advances over the next 7 years. We did n't know that we were only paying a minimum, that 's just what we had been paying so we kept paying it with the understanding that it was fine because Chase had been accepting those payments for years. We paid every single month on time for 9 years. Our home was flooded in the XXXX XXXX of South Louisiana on XX/XX/XXXX. We lost pretty much everything in our home as it had to be emptied and gutted to the studs throughout. It was not livable so we moved in with my parents and lived there for 13 1/2 months and finally moved back into our home, which is still not finished, at the beginning of XXXX, XXXX. In XXXX of XXXX our monthly automatic draft for said LOC was {$300.00} instead of {$100.00} as it had been for the previous 9 years. It tripled without our knowledge or consent. When we called to inquire why this happened we were told it was changed into a loan rather than an LOC due to inactivity along with the minimum payments no longer being enough. We were not aware that this was even possible, let alone that it was about to happen to us. On or around XX/XX/XXXX we spoke with XXXX XXXX XXXX in the Portfolio Management Center department of JP Morgan Chase. We very clearly explained that we had no idea or prior notice that this was happening, that our monthly payment was only a minimum, nor that our payment was going to be tripled. We also explained our current living situation and that our lives had been turned upside down due to the flood, my husband having major XXXX and XXXX XXXX in XXXX XXXX and XXXX XXXX respectively, our vehicle being taken by the flood and having to replace it along with trying to rebuild our home as quickly as possible to get back into it. He had no sympathy to offer and basically told us thats just how it is. At that time were werent in a place physically, emotionally, or financially to fight any more battles as we were already dealing with FEMA, the SBA and our mortgage company as a result of the flood. We explained to XXXX XXXX that there was no possible way that we could pay triple our budgeted amount at that time and that we would have to just pay as much as we could each month and if that wasnt enough then they would just have to send our loan to the collections department and we would take care of it when we could finally get back into our home. He accepted that as there was no other option. We also explained at that time that although we understood the debt was ours to pay and that we absolutely intended to pay it in full we could not do that until our house was livable. We were not trying to get out of paying it at any time. We had legitimate extenuating circumstances they apparently did not care about. Everyone else we talked to about our situation in dealing with financial situations was very sympathetic and willing to work with us during such a difficult time, dare I say the most difficult for our family to date, but Chase, however was not. Ours were one of over XXXX homes and businesses that were destroyed in that flood so it wasnt just us being ridiculous. It was a HUGE deal even if the rest of the country had no idea because the media didnt seem to care, but I digress. A major part of our business was run from our home so not only did we lose 90 % of our belongings and the use of our home we couldnt operate that business so our income also dropped. Therefore tripling any part of our budget was obviously out of the question as I cant give them something I dont have. Thats what collection agencies are for and I know for a fact that Chase knows how to use them, they just chose not to in this case for whatever reason. After our conversation XXXX XXXX emailed us an ACH Cancellation form so that we could stop the automatic drafts coming out of our personal checking account to pay this particular debt. He said that if we kept it going it would automatically take the tripled amount out as that was the new minimum. With all we had going on there wasnt a chance for us to get the form filled out and returned until XXXX or XXXX of XXXX. During that time the tripled payment came out of our account, overdrawing it, and we had to have it refunded and NSF fees waived. That entire process was a complete headache on top of everything else due to misinformation from Chase. We paid {$200.00} as our payment in XXXX, no payment in XXXX and then {$100.00} in XXXX. There were no payments for the next 4 months, XXXX. That was simply because it slipped my mind. It had been taken out automatically for 9 years so its not a payment I think about on a monthly basis usually, let alone when our house is finally coming together and we are getting moved back in after almost 14 months. Due to the loss of documents from the flood or misplacement from the move to or back from my parents there may be some documents I cant produce but they are all on record with Chase as far as I know. With two different addresses and our mailbox being down for about 5 of those 14 months we have no idea what mail we did not receive and obviously have no control over that. After our conversation with XXXX XXXX, I dont know how long after, we started receiving calls from Chase demanding we take care of this debt. We explained the situation in depth time and time again to no avail. We were wasting our breath it seemed when we did not have even one second to waste with all we had going on. We told the caller every single time that we had already talked with XXXX XXXX, he knew our situation, we told him we would pay what we could and if it wasnt enough just send it to collections so we could deal with it when our lives were somewhat back in order. We gave them his name and number multiple times yet they continued to call. Because the account was set up in my husbands name originally they kept calling him and refusing to talk to me. They were calling 3-4 times per week. He saved a couple of the numbers in his phone so that he would know Chase was calling and be able to answer it if possible but hes not supposed to take personal calls at work and they were calling during work hours. Not only were those calls coming in but he gets at least 4-5 calls per day that are soliciting something or telemarketers or other bogus calls he doesnt need to answer. This is why he saved the Chase numbers, then they started calling from different numbers and he just couldnt keep up. He had to replace his phone during this time because it kept shutting down without notice so there were texts, calls, and voicemails he wasnt receiving for a while. The new phone started acting up in the same way less than a month after receiving it and he is currently on his 3rd phone in about as many months. So theres no way of knowing how many times they called that he doesnt know about but the ones he does know about we consider harassment because there was an unnecessary barrage of them. He got a few voicemails but didnt return the calls because there was nothing new to say. It doesnt even make sense to call someone back and tell them the same thing you told them 2 days before or 2 weeks before. We told them we would let them know when we were back in the house and ready to move forward but they took it upon themselves to just steal our money without even notifying us. They KNEW our situation and ignored it without being willing to work with us in any way. We made sure to rebuild our house as economically as possible and save money anywhere we could because the insurance only covered the structure of the home and whatever money we had left could be used for contents or to finish things that werent required to pass inspection. We were making plans the entire time to get back on track financially with any payments that had to take a back seat or be put on hold while we were waiting to get back home. The money left over was part of that plan. The amount we got back was {$26000.00}. It was deposited on XX/XX/XXXX. We planned to pay off 2 debts that would open up almost {$600.00} per month. That would allow us to pay the approximately {$300.00} per month payment to Chase along with one other monthly debt that had been temporarily put on hold. One of the ones planned to be paid off was my car. That loan was also with Chase, along with all of our personal and business accounts. We were planning to contact them when the money was available and start paying this month. When I logged into our online account on XX/XX/XXXX to find out the payoff amount for my car I saw that {$13000.00} had been withdrawn from our personal checking account only 1 week after depositing the insurance check but it did not list who took the money. We knew it was not one of us. I called Chase immediately to find out who it was and they werent able to figure it out either. I was told they would request some kind of inquiry with another department that would be able to find out but because it was Saturday I would have to wait to hear back from them because their office hours are Mon-Fri. I actually forgot they said I wouldnt get a call for 2-3 days so I called back Monday afternoon, XX/XX/XXXX, to see if they had gotten it figured out. I spoke with someone named XXXX in the Chase claims office and Im pretty sure she was the one who figured out it was something to do with a loan. Its not very good business practice for it to be that difficult to figure out who took the money. She told me to call the loan people but I didnt know their number. She argued with me and got sarcastic with me saying I should already know it so I was more than happy to end my conversation with her. I left frustrated however because she refused to give me a number to who she said I was supposed to talk to that works within the same company. Its even more frustrating that in addition to how they went about it the amount they took was {$720.00} more than the balance on that loan account. I have no idea why they would take more than what we owed. I remembered that XXXX XXXX had emailed me after talking with him in XXXX and found his number in that email. When I spoke to him again he was just as un-helpful as he had been previously. Very few people I have dealt with at Chase have any idea of what good customer service looks like. He even said that he wasnt going to argue with me anymore about it when we werent even arguing. Im not really sure what that was about but he refused to talk to me and sent me to the person who had actually taken the money from our account that works in his department. Her name was XXXX XXXX. How this woman has a job dealing with the public at all is beyond me. My husband and I talked with her on a 3 way call and ended the call both in tears with no words and only a hug that we could share. It was disgusting and I hope no other family ever has to experience what we did while talking to her. She showed less than zero sympathy or care at all for our situation, which is a pretty dire situation whether she thinks so or not. She literally spoke to us in canned phrases as if she were a machine. At one point my husband got so upset he used some language I have rarely heard him say in the 22 years we have been together. I have never seen him in the state he was when that call was over, never. He was able to calm down and finish the conversation. We told her about our plan to start paying this month and she very blankly said Well its paid now. We asked what gave her the right to take money from our personal account with us not having any knowledge of it or getting our approval to do so. She said because the account was past due. Seriously?!?! Is anyone listening over there?!?!?! She said we hadnt returned the call so she just took the money. That is absolutely not ok. We had no letter, no email, no voicemail, and no certified letter ; there was NOTHING letting us know this was possible or happening to us. Just like when they changed it to a loan back in XXXX. ( Noticing a pattern yet? ) She said she sent a demand letter that we have never seen. We explained why he had not been answering the calls or returning the couple of voicemails he did get but she didnt care at all. She just kept repeating the same things over and over. At one point my husband even asked her if she was a human being or a machine, it was that bad. We were both so disgusted we were sick to our stomachs. That money was what our family had worked so hard to save so that we could start our life back over to get passed the horrific experience of that flood and all that came with it and she STOLE it from us! That money had been in there for barely 1 week and she took it out the day before XXXX without asking anyone or trying to set up a payment plan or anything. If that is allowed to stand then sadly, America is not the country I thought it was. XXXX told us that there was nothing we can do. We begged for her to help us in any way and she refused. We asked if they could return half and we pay the rest in payments, she said no. We cant pay the debts we wanted to now, we may not have the money to finish our house, we had planned to do some hurricane relief for some friends of ours in the XXXX but cant now, we wont be able to fix our drive way that was basically washed away by the floodand she couldnt care less. We never said this debt wasnt ours. We held firm every time we did talk to them that we were going to pay it, we just needed them to be a little patient. But no matter the situation they have no right to just take it out of our personal account just because they can see the money is in there. She outright admitted that she never said anything about it on a voicemail stating she wasnt allowed to, she also said she never sent it in an email. The only thing she said was her calls werent returned and she sent a demand letter. We never saw that letter and for something of this magnitude at the very least Certified Mail should be required. So she took zero action to actually be sure we knew what was going on. We were about to call them literally the week after XXXX. We had just discussed it the week of but didnt have that opportunity. Not only did they not contact us to see if we would approve them taking the entire balance and then some but they have on file an ACH Cancellation form from a few months ago stating specifically that we DID NOT want them to have access to our account to take money out automatically. She told us that escalating the issue would not do any good but gave us her supervisors name and number anyway. We left a message for XXXX XXXX and played some phone tag with her over the next couple of days never being able to actually talk to her. I had XXXX XXXX on Tuesday, XX/XX/XXXX and was in court from XXXX until XXXX that afternoon so we werent able to really contact anyone that day but tried XXXX when I was done twice. On Thursday, XX/XX/XXXX, I received a call back in response to the request I had put in the previous Saturday when I first noticed the money was missing. I explained to XXXX ( spelling? ) that I had called on Monday and already knew who took the money out. I told her about our conversation with XXXX and she was appalled at how we were treated. Finally, we had found someone with a heart. She explained that she didnt have any authority to do anything about it and sent me to someone at the Executive Office for Chase. She transferred me to XXXX XXXX, ext. XXXX, in the Chase Executive Office. She was very nice and helpful. I explained everything to her just as Ive explained it to you and she said they would be investigating the issue and getting back to me on it. I havent heard anything back yet but I told her I would be filing a complaint with the CFPB so I wanted to be sure I followed up on that. I would like a third party to be involved in case Chase tries to get over on us yet again. I wouldnt trust them to sweep my floor right now, let alone handle this correctly. I dont know what the legal requirements are for this kind of situation but no one should be able to take any amount of money from us, let alone over {$13000.00}, without at least some kind of proof of letting us know. We are attaching a picture of our online banking account that shows the withdrawal for the LOC, and the payoff for our car loan. We dont have pictures of any documentation showing us they were changing the LOC into a loan, tripling our payment, or taking money out to pay off the loan because they dont exist. If they do, they are not, and have never been, in our possession, nor have we seen them. We have the ACH Cancellation document somewhere but I have been through the boxes with paperwork I can get to and havent been able to put my hands on it. I do know that Chase has a record of it because they called to let me know they got it and the automatic withdrawals stopped coming out. We do have pictures of all of our account activity for the LOC since opening it in XXXX of XXXX proving that we had never paid late and had never missed a payment but there are so many Im not sending them now. If you need to see that I can send it to you at another time. Thank you in advance for your time and effort in helping us rectify this atrocity. | ||||||
| 06/29/2020 | Yes |
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| To whom it may concern, I am writing in regards of the treatment my husband and I have received by a Chase lending advisor. Here is my Loan Number : XXXX if it`s helpful to find me in the system. The lending advisor`s name is XXXX XXXX XXXX XXXX XXXX. We were doing the loan refinance process with him and from the very beginning things were messy and unclear, with little detail on his side and overall very vague description of everything and left us feel unclear about the steps in the process. He had confirmed closing costs of {$5000.00} on an email and refused to correct this in the initial disclosure as he described that the final and corrected amount will be reflected in the final disclosure documents. It felt like a lengthy process, which we had started on XX/XX/XXXX, when we first signed the disclosure, and we were informed of the final approval on XX/XX/XXXX. As expected the closing costs were different from what we had prepared ourselves for, which involved him having to make corrections to match the {$5000.00}, which we had agreed upon. I had his confirmation in writing, otherwise I sincerely doubt he would have honored it. And here I would make a note, that he mostly liked talking on the phone and when I insisted on having something important as numbers or confirmation in writing, he would oppose and prefer to just call. Well, most of the time he either doesn`t remember things, or conveniently says so, but for the sole purpose of having a peaceful mind that I have a backup, I preferred to have things in writing. This is a good example of a situation where had I not have it in writing, he wouldn`t have honored it, and I am assuming it because he asked to see my emails before he confirmed he would honor this amount. I am writing the above just to give a little background of the situation. The thing I am mostly hurt and take issue with is his attitude. The evening, in which we were discussing the final disclosure- XX/XX/XXXX, we addressed the closing costs and that he had not corrected them as we had agreed upon in an email from XX/XX/XXXX. He agreed it was missed on his part ( only after seeing the proof of his confirmation in an email correspondence ) and he will revise the documents. However, the conversation felt as if we had been judged. The difference of the mistake on the closing cost numbers was roughly around {$250.00} and he kept referring to our actions of trying to have this adjusted to what was promised back in XXXX as nickeling and diming. His words were : Guys, you are nickeling and diming here. What I take issue with is that his words sounded very judgmental, categorizing us as people, who are paying attention to such a small amount of money. I feel like this is none of his business and moreover if it`s such an insignificant amount, why not come out of Chase, but has to come out of us especially being his mistake. I do believe that no matter what value one may attribute to something it could hold a different value to another person, and it is not his place to attribute value to my money according to his perspective. Another point I take issue with is that he emphasized on the fact that we had lost his assistant XXXX`s time the day before, and he repeated it on 2 separate occasions. Here is what happened with XXXX, I would really like to explain as this sheds light on another issue. XXXX called me on XX/XX/XXXX at XXXX pm. The phone call lasted XXXX minutes and I have a screenshot of that. This leads me to believe that XXXX had complained that we lost her time and that also leaves me with a bad impression as it gives me the feeling we have been discussed between these individuals in an unprofessional and gossiping manner. A little insight of the conversation with XXXX on XXXX XXXX she called me to inform me of the fact that we have been officially approved and to schedule a closing date. My initial impression was this was all that the call was going to be about as we had not have any documentation sent to us at that point. We agreed upon a date for closing and XXXX started throwing numbers at me. Different amounts of different charges, such as title cost, insurance, fees etc. I was really not prepared as I had no document in front of me to be able to follow her and I informed her of that. She said the document will be sent to us to view sometime the next day. I never wished to discuss anything regarding numbers with her that day especially when I did not have a document to look at and all I could do was just listen to her mentioning long numbers. The reason I am describing this in detail is to explain that in contrast to what apparently XXXX believed was a loss of her time and I was to blame, it was never my intention to discuss detailed information without being able to prepare myself. If she XXXX started addressing the numbers I would`ve never asked her to go into such detail. I felt really offended when I found out by XXXX that XXXX was complaining I had lost her time. At the time I was in between employments and apparently had additional verification of employment on a day that I was technically unemployed. The phone call from XXXX XXXX XXXX XXXX came on XX/XX/XXXX around XXXX and he was furious and rude. He kept throwing accusations at me, saying things like : you lost both mine and XXXX time when you knew you were unemployed, the {$250.00} you paid so much attention to is the least of your problems right now. His voice was so loud and it felt like he was yelling at me. At one point I had to tell him that he is very rude and I am not allowing him to talk to me in that manner. He then apologized and said sarcastically : I am a XXXX, it`s the way my voice is, it`s not that I am yelling, it`s just how it is, ask my parents. The whole sarcasm of that particular phone call was so unnecessary. It really felt as if he was delighted by being given a chance to somewhat get at me for the lost time or whatever grudges he may have been holding against me. He was really unprofessional and talked to me in a very rude manner. I am hoping you are recording these conversations so you could hear it. He spoke/yelled to me in a condescending manner, making me feel like the lowest of the low for the fact that I had been laid off in such an unprecedented time, where people are struggling all over the world, mocked me for the {$250.00} being the least of my worries right now as if some evil force was over me. This is the highlight of my bitter experience with this person. After I sent XXXX my work offer on XX/XX/XXXX, he had told me it will take about XXXX additional days. I am writing this update XXXX XX/XX/XXXX and I still have not closed the loan. Like I said previously, one never knows what he possibly means when he expresses himself. If I look at it from the perspective of the 4 days being business days it is still way past this amount of time. My initial impression is cemented by this, once again, vague description of what to expect next in the process. It is never clear. Today, only after my request for an update XXXX informed me that the one thing they are waiting for is the confirmation from my employer. My colleagues checked all emails, spam folders, faxes etc, there was nothing received. I am simply thinking, had I been waiting without asking for an update, when would she have thought of either follow up with me or attempt to resend the request. Another thing that bothered me is that I emailed her asking for this update at XXXX am and her reply came at XXXX pm. After also calling her phone number, leaving a voicemail with no return call, I just imagined she had taken a day off. Clearly this was not the case, she simply gets back to me with delay. In her email she says : " We will need to extend rate as it expires today. '' To which I replied asking her to elaborate as I have absolutely no clue what this would mean and in what ways financially or possibly timewise it would affect me. Turns out from her next email there may be a charge for this extension. Mind you this was the first time I ever heard of this even being a possibility, and when do I learn I will possibly be charged extra- the day of expiration. How convenient. Had I not reached out to ask for an update, I wonder if they would have even told me the rate is about to expire. To my further questions, asking for clarification and what to possibly expect with this extension of the rate, XXXX replied in a typical vague fashion, telling me he will call me the next day to go over options. After having the experience of learning things last minute my mind started racing and I had scenarios in my head that what if by options he meant conditions will change altogether, meaning rate and closing costs etc. He later clarified with assistance of management they will try to extend without further cost for us. However, I am especially irritated by the whole method of communication being so unclear. I called XXXX XXXX additional times that day. One of the times she hung up on me on the second signal. The last time she hung up as soon as the first signal. It was clear her phone was not off, but she was hanging up. XXXX XXXX emailed XXXX XXXX XXXX ask for an update. Also had called her cell phone. A little background on this- she used her cell when she was calling me previously, so I had saved it to my phone in case I ever needed to contact her. I used the same number I saved to reach her and she replied to me ( As seen on file Capture 1 ) with I also received your voicemail on my cell phone. Please call me on my office line if you have any questions.. This was very rude, because if she ever used her cell to reach out, s he shouldn`t be surprised people are using that phone number to reach her. And she emailed me, never called back. The way she specifies how she had received my voicemail, while not returning a call is rude. I am really at the final stage of dealing with these people and not want to tell them this to their face, but it is a torture to work with them. She never gives an estimate. I had emailed asking what`s the estimated time for the process to come to a final stage, and she said they were currently in about 72h underwriting. This was on XX/XX/XXXX. I guess this is partially my mistake for not specifying that my question meant how much longer total until we can go to closing and the way she responded was more like answering the timeframe for a stage of the underwriting. On XX/XX/XXXX I received an email from XXXX, confirming that we can proceed with closing and she informed me that we will not receive a closing date and time and view the closing disclosure until we can schedule an exact timeframe. I informed her of when my preference would be and she replied that they are currently waiting for my husband`s employment confirmation from HR. The amount of closing cost that XXXX gave me in the email was {$5300.00}, which is with {$300.00} more than what XXXX and I had previously discussed. XXXX called me after close to XXXX from my initial phone calls, voice messages and a text at XXXX, he called at XXXX am. He informed me that closing cost is {$5000.00} and money owed at closing - {$5300.00} because it consists of the {$5000.00} plus interest. I asked what is the {$85.00} charge for and he said it is for extension of the rate. He angrily and in his usual way of communication with a raised voice told me that he had to extend the rate twice and that instead of me being appreciative I am finding issues with this. And he said in his ironic fashion I didn`t think this would be such a big issue, referring to the {$85.00}, making it sound like it is insignificant. Well, it could be insignificant, but my issue is not with the money, but with the attitude. I told him that it is not a big issue, but it is still an issue. And that I simply had a question because I did not know where the {$85.00} was coming from. I expected my questions to be answered without ironic remarks. I still do not agree with the charge of {$85.00} because when we spoke in early XXXX, to my question if the process will take as long as it had so far, he replied that it would take around 4 days in addition. Well, it took close to 40 days since then. If he is saying that my rate extension charge of {$85.00} is something I should owe, how about him giving false estimates. If we really fit into the timeframe that he initially gave, maybe this charge of {$85.00} wouldn`t have been owed. I have been always polite with him and have talked to him with respect, and sadly did not get the same in return. He blamed me for not being happy and no matter the time they spent on my loan application, I was always ungrateful and in his own words this loan is not going to get us a trip to Hawaii. I don`t know what he was trying to accomplish with being sarcastic, but the way I take his comment is that my business is not giving him enough $ and implying I am a difficult customer, who on top of all his efforts is still unhappy. I informed him that I am not happy about his attitude and the way he raises his voice at me and I will try to have as minimum communication as possible with him until closing. The one thing I give him credit for is the fact that he was available almost all the time. However, I respectfully asked before calling if it was a good time and made sure to honor his best available time as well. For him to imply that I was bothering him with questions and that they as a team spend so much time for my application, and not getting a trip to Hawaii in return was a tacky thing to say in my opinion. Overall, I just wish I had gone with another lending advisor and I even worked with XXXX XXXX, and I am sad I did not proceed with him, but chose XXXX as being local. Well, I at least learned where not to go for the future. We have closed our loan finally. I had asked XXXX manager- XXXX XXXX to step in and she approved myself to be refunded the amount of XXXX. She agreed to it and said she had approved the refund and that XXXX was the one to make it. We spoke on XX/XX/XXXX. At that time she said it will take approximately 5-10 business days. She informed me in her last email that the refund was approved. I find this an odd thing to say- I am not asking if it was approved or nor, I am asking why is it still not reflecting in my credit card. Being approved, but apparently taking so long is not helpful. We all know that if I am late for a payment of my credit card I will automatically be charged a late fee. I find it really offensive for the bank to take an opposite approach to this when it comes to refunds. I am writing today- XX/XX/XXXX and have not received any refund yet. I followed up with her on XX/XX/XXXX and asked for an update, to which she said it has been approved. This is the only thing she said and she did not reply to my email asking why it`s past the 10 business days and how much longer I should wait. The other thing I`d like to request is the fee for rate lock extension of {$200.00} to be refunded to me as well. XXXX never informed me of exactly how much this fee would cost. He mentioned a fee of {$85.00}, which I never saw on the documents, and I am guessing this {$85.00} he was referring to is actually the {$200.00}, which Is what my fee ended up costing in the end. After obtaining the disclosure I then asked where exactly in the documents the specific fee of {$85.00} was displayed and he couldn`t point out. Then I asked him to walk me through and opened the lock in agreement and was looking for the amount of {$85.00} and could not find it. Then he said that it is not {$85.00}, but {$600.00} and he took care of some of it. I then asked where in the document the amount of {$600.00} is displayed and he kept going back to state that my closing costs were a little below {$5000.00} as agreed and he kept avoiding my direct question. I kept going back to it because it bothered me the way he emphasized on the fact that I had signed the documents and was referring to it like it`s something I signed and do not remember. But it was clear that when I had a question specifically related to the dollar amount of the fee he could not answer. Because there is none and this is the fact. To my question why I was not informed of the need for the fee to be extended he arrogantly said that it is something I had signed and should know myself and it`s not his duty to remind me. Like I previously said- I do not see the need to be charged anything for it to be locked since 1.XXXX never informed me of the exact amount, 2. The documents pertaining to the rate lock extension fees contain {$0.00} in the fee section and 3. It was the bank`s timing causing everything to take so long and way past the initial expectation. I am attaching screenshots of conversations with the above mentioned bank employees and anything relevant to my claims so you could get an idea of my ordeals. Mostly showing that it was really hard to get any written information from the lending advisor and I had to follow up numerous times. Thank you for taking the time to review my complaint. Sincerely, XXXX XXXX | ||||||
| 11/14/2023 | Yes |
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| Hi, I have recently discovered how unfairly I have been treated and have now been made aware of what things actually mean. I am an heir of of the kingdom of heaven, with that being said I have discovered Chase the U.S. consumer and commercial banking business of JPMorgan Chase & Co. has violated my god-given rights and below I have attached violations and rights. Violations- 4-403. CUSTOMER 's RIGHT TO STOP PAYMENT ; BURDEN OF PROOF OF LOSS. ( a ) A customer or any person authorized to draw on the account if there is more than one person may stop payment of any item drawn on the customer 's account or close the account by an order to the bank describing the item or account with reasonable certainty received at a time and in a manner that affords the bank a reasonable opportunity to act on it before any action by the bank with respect to the item described in Section 4-303. If the signature of more than one person is required to draw on an account, any of these persons may stop payment or close the account. ( b ) A stop-payment order is effective for six months, but it lapses after 14 calendar days if the original order was oral and was not confirmed in a record within that period. A stop-payment order may be renewed for additional six-month periods by a record given to the bank within a period during which the stop-payment order is effective. ( c ) The burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a stop-payment order or order to close an account is on the customer. The loss from payment of an item contrary to a stop-payment order may include damages for dishonor of subsequent items under Section 4-402. 2-702. Seller 's Remedies on Discovery of Buyer 's Insolvency. ( 1 ) Where the seller discovers the buyer to be insolvent he may refuse delivery except for cash including payment for all goods theretofore delivered under the contract, and stop delivery under this Article ( Section 2-705 ). ( 2 ) Where the seller discovers that the buyer has received goods on credit while insolvent he may reclaim the goods upon demand made within ten days after the receipt, but if misrepresentation of solvency has been made to the particular seller in writing within three months before delivery the ten day limitation does not apply. Except as provided in this subsection the seller may not base a right to reclaim goods on the buyer 's fraudulent or innocent misrepresentation of solvency or of intent to pay. ( 3 ) The seller 's right to reclaim under subsection ( 2 ) is subject to the rights of a buyer in ordinary course or other good faith purchaser under this Article ( Section 2-403 ). Successful reclamation of goodsexcludes all other remedies with respect to them. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; ( 2 ) to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; ( 3 ) to use any empirically derived credit system which considers age if such system is demonstrably and statistically sound in accordance with regulations of the Bureau, except that in the operation of such system the age of an elderly applicant may not be assigned a negative factor or value ; ( 4 ) to make an inquiry or to consider the age of an elderly applicant when the age of such applicant is to be used by the creditor in the extension of credit in favor of such applicant; or ( 5 ) to make an inquiry under section 1691c2 of this title, in accordance with the requirements of that section. ( c ) Additional activities not constituting discrimination It is not a violation of this section for a creditor to refuse to extend credit offered pursuant to ( 1 ) any credit assistance program expressly authorized by law for an economically disadvantaged class of persons ; ( 2 ) any credit assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons ; or ( 3 ) any special purpose credit program offered by a profit-making organization to meet special social needs which meets standards prescribed in regulations by the Bureau ; if such refusal is required by or made pursuant to such program. ( d ) Reason for adverse action ; procedure applicable; adverse action defined ( 1 ) Within thirty days ( or such longer reasonable time as specified in regulations of the Bureau for any class of credit transaction ) after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( A ) providing statements of reasons in writing as a matter of course to applicants against whom adverse action is taken ; or ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. ( 3 ) A statement of reasons meets the requirements of this section only if it contains the specific reasons for the adverse action taken. ( 4 ) Where a creditor has been requested by a third party to make a specific extension of credit directly or indirectly to an applicant, the notification and statement of reasons required by this subsection may be made directly by such creditor, or indirectly through the third party, provided in either case that the identity of the creditor is disclosed. ( 5 ) The requirements of paragraph ( 2 ), ( 3 ), or ( 4 ) may be satisfied by verbal statements or notifications in the case of any creditor who did not act on more than one hundred and fifty applications during the calendar year preceding the calendar year in which the adverse action is taken, as determined under regulations of the Bureau. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. ( 2 ) Waiver The applicant may waive the 3 day requirement provided for in paragraph ( 1 ), except where otherwise required in law. ( 3 ) Reimbursement The applicant may be required to pay a reasonable fee to reimburse the creditor for the cost of the appraisal, except where otherwise required in law. ( 4 ) Free copy Notwithstanding paragraph ( 3 ), the creditor shall provide a copy of each written appraisal or valuation at no additional cost to the applicant. ( 5 ) Notification to applicants At the time of application, the creditor shall notify an applicant in writing of the right to receive a copy of each written appraisal and valuation under this subsection. ( 6 ) Valuation defined For purposes of this subsection, the term valuation shall include any estimate of the value of a dwelling developed in connection with a creditors decision to provide credit, including those values developed pursuant to a policy of a government sponsored enterprise or by an automated valuation model, a broker price opinion, or other methodology or mechanism. 4A-406. PAYMENT BY ORIGINATOR TO BENEFICIARY ; DISCHARGE OF UNDERLYING OBLIGATION. Primary tabs ( a ) Subject to Sections 4A-211 ( e ), 4A-405 ( d ), and 4A-405 ( e ), the originator of a funds transfer pays the beneficiary of the originator 's payment order ( i ) at the time a payment order for the benefit of the beneficiary is accepted by the beneficiary 's bank in the funds transfer and ( ii ) in an amount equal to the amount of the order accepted by the beneficiary 's bank, but not more than the amount of the originator 's order. ( b ) If payment under subsection ( a ) is made to satisfy an obligation, the obligation is discharged to the same extent discharge would result from payment to the beneficiary of the same amount in money, unless ( i ) the payment under subsection ( a ) was made by a means prohibited by the contract of the beneficiary with respect to the obligation, ( ii ) the beneficiary, within a reasonable time after receiving notice of receipt of the order by the beneficiary 's bank, notified the originator of the beneficiary 's refusal of the payment, ( iii ) funds with respect to the order were not withdrawn by the beneficiary or applied to a debt of the beneficiary, and ( iv ) the beneficiary would suffer a loss that could reasonably have been avoided if payment had been made by a means complying with the contract. If payment by the originator does not result in discharge under this section, the originator is subrogated to the rights of the beneficiary to receive payment from the beneficiary 's bank under Section 4A-404 ( a ). ( c ) For the purpose of determining whether discharge of an obligation occurs under subsection ( b ), if the beneficiary 's bank accepts a payment order in an amount equal to the amount of the originator 's payment order less charges of one or more receiving banks in the funds transfer, payment to the beneficiary is deemed to be in the amount of the originator 's order unless upon demand by the beneficiary the originator does not pay the beneficiary the amount of the deducted charges. ( d ) Rights of the originator or of the beneficiary of a funds transfer under this section may be varied only by agreement of the originator and the beneficiary. 4-406. CUSTOMER 's DUTY TO DISCOVER AND REPORT UNAUTHORIZED SIGNATURE OR ALTERATION. ( a ) A bank that sends or makes available to a customer a statement of account showing payment of items for the account shall either return or make available to the customer the items paid or provide information in the statement of account sufficient to allow the customer reasonably to identify the items paid. The statement of account provides sufficient information if the item is described by item number, amount, and date of payment. ( b ) If the items are not returned to the customer, the person retaining the items shall either retain the items or, if the items are destroyed, maintain the capacity to furnish legible copies of the items until the expiration of seven years after receipt of the items. A customer may request an item from the bank that paid the item, and that bank must provide in a reasonable time either the item or, if the item has been destroyed or is not otherwise obtainable, a legible copy of the item. ( c ) If a bank sends or makes available a statement of account or items pursuant to subsection ( a ), the customer must exercise reasonable promptness in examining the statement or the items to determine whether any payment was not authorized because of an alteration of an item or because a purported signature by or on behalf of the customer was not authorized. If, based on the statement or items provided, the customer should reasonably have discovered the unauthorized payment, the customer must promptly notify the bank of the relevant facts. ( d ) If the bank proves that the customer failed, with respect to an item, to comply with the duties imposed on the customer by subsection ( c ), the customer is precluded from asserting against the bank : ( 1 ) the customer 's unauthorized signature or any alteration on the item, if the bank also proves that it suffered a loss by reason of the failure; and ( 2 ) the customer 's unauthorized signature or alteration by the same wrongdoer on any other item paid in good faith by the bank if the payment was made before the bank received notice from the customer of the unauthorized signature or alteration and after the customer had been afforded a reasonable period of time, not exceeding 30 days, in which to examine the item or statement of account and notify the bank. ( e ) If subsection ( d ) applies and the customer proves that the bank failed to exercise ordinary care in paying the item and that the failure substantially contributed to loss, the loss is allocated between the customer precluded and the bank asserting the preclusion according to the extent to which the failure of the customer to comply with subsection ( c ) and the failure of the bank to exercise ordinary care contributed to the loss. If the customer proves that the bank did not pay the item in good faith, the preclusion under subsection ( d ) does not apply. ( f ) Without regard to care or lack of care of either the customer or the bank, a customer who does not within one year after the statement or items are made available to the customer ( subsection ( a ) ) discover and report the customer 's unauthorized signature on or any alteration on the item is precluded from asserting against the bank the unauthorized signature or alteration. If there is a preclusion under this subsection, the payor bank may not recover for breach of warranty under Section 4-208 with respect to the unauthorized signature or alteration to which the preclusion applies. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 4A-209. ACCEPTANCE OF PAYMENT ORDER. Section 4A-209 defines when acceptance occurs. Section 4A-210 covers rejection. Acceptance of the payment order imposes an obligation on the receiving bank to the sender if the receiving bank is not the beneficiary 's bank, or to the beneficiary if the receiving bank is the beneficiary 's bank. | ||||||
| 10/22/2021 | Yes |
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| I filed a fraud claim with Chase on XX/XX/XXXX immediately when I discovered my checking account had an unauthorized wire transfer/withdraw of $ XXXX. I phoned the claim department listed on the back of my atm. I was on hold for 1 hour before a representative answered. At that point I was told that on XX/XX/XXXX two wire transfers in different amounts of {$7700.00} and {$7000.00} were requested from my account via wire transfer from two different recipients with different addresses. I live in California. The wire requests came from the XXXX XXXX. Possibly XXXX. Chase blocked the transfers 4x due to suspected fraud and suspiciousness. Chase made one mention of location in their initial notes. A Chase representative then called the phone number associated with my account ( my phone number ) and approved the funds with a voice confirmation. I have never used any voice verification with Chase that could be used to verify my identity especially in suspicious banking activities and non-typical money exchanges. Over 15 years, I have only occasionally called Chase to reverse a late charge and/or order a new ATM. Claim supervisor XXXX confirmed several different fraud specialists made determinations on these transfers. Each time the wire transfer request was denied it went into a cue and a new and different person reviewed it again. There was no consistency by a single person and each person reviewing lived in potentially different countries. This leaves room for extraordinary errors. I have never initiated a wire transfer of any sort from my accounts in over 15 years of banking with Chase. This was my entire savings that was unauthorized out of my account. I bank with Chase because they are the largest bank in the world. I trusted in their security. I trusted in their level of professional knowledge regarding fraud if it should happen. I trusted that specialist reviewing suspicious activity were the highest trained. This was not the case. This wire transfer was initiated on XXXX XXXX time and sent to the XXXX XXXX. I live in California I am completely unaware all of this is occurring. I was not given the benefit of the doubt to send an email to indicate what was happening on XX/XX/XXXX or XX/XX/XXXX when prior to authorizing the wire. The two different amounts, two different recipients, two time zones, no history at all of transferring money, a transfer amount well outside of my typical spending patterns the fact that login pin was changed the day before this transfer was not reasonable for Chase to deny the wire. This is non-sensical to me. The totality of these red flag taken together with the fact that Chase denied this 4x was reasonable enough for Chase 's experts to stop any payment for this wire claim for our best interests in the end. But Chase did not. Instead, Chase decided that despite red flags and all of the suspicious behavior one phone call was simply sufficient to approve XXXX to wired out of my account. I do not see that any critical or preventative thinking or measures were used in this situation. I had only paid utilities and mortgage from this account. I did not know any sort of wire transfer could be done over the phone or website. I thought it was similar to my credit unions, which require 2 forms of ID and in person request. Furthermore, with my credit unions, even if a wire transfer is initiated by mail, the wire transfer must be notarized. Chase offers this easy on-line service to customers but with minimal measures in cases of fraud. Or rather, the level of training currently used is not sufficient to stop red-flags and suspicious transfers. I assert that because of the ease to impersonate Chase customers for a service Chase offers and is not adequately able to monitor, Chase customers are at a higher risk of being victims of fraud by highly technical and sophisticated fraudulent individuals. Chase was able send email alerts on my account. I received the confirmation email on XX/XX/XXXX. Had Chase sent me email correspondence XX/XX/XXXX, and XX/XX/XXXX prior to authorizing those funds, in addition to blocking this transfer, my savings would still be in my possession. This is reasonable for Chase to do so on my account given my usage. Chase did not initiate a rapid recall until the week after XX/XX/XXXX. I was also told by the second representative that a rapid recall of the funds was not possible. However, on a later conversation in XX/XX/XXXX, I was told it was possible and they did initiate it. I believe Chase may have initiated the recall but on a date much later than XX/XX/XXXX in the XXXX. Chase refused to provide any documentation on their part to what, when and who did what. I asked multiple times to speak with supervisors and to connect me with the fraud specialists. Each time I was told decisions were made in the back office and no one was allowed to communicate directly with specialists there. XXXX/Phone Compromise Also on XX/XX/XXXX XXXX, I was unable to call out of my XXXX Phone service nor was I able to text. I had a dentist appointment. Upon arrival, I asked the secretary to phone me. She said my phone number rang straight to voice mail but my actual phone in my hand did not register the call nor did it ring. At that point, I understood something suspicious had occurred I checked my accounts at the dentist office. I received an email notification from Chase that the wire transfer for XXXX was successfully completed. I was shocked. I phoned in my claim and headed straight to the bank. After the bank, I headed to XXXX. I phoned their fraud department but was told I had to go into a local store with two forms of identification since my pin was changed and they could no longer verify me via phone. XXXX reviewed my account and determined an electronic sim card swap was made on XX/XX/XXXX, which allowed fraudsters to take control of my phone number, take my phone off XXXX XXXX system, load my number onto a sim card and then intercept the call from Chase. I was at XXXX for 3 hours. This is a highly sophisticated 2-part fraud scheme that targets Chase Customers . Chase 's current methods of security and level of expertise of their fraud specialist is not at the level to prevent this, even on a basic level due to multiple inadequacies that include personnel and highly, specialized technology to complete fraud. In my case, I claim that Chase could have used more care, ordinary care based on red flags to prevent this. My experience with its claim specialists and reviewing their actions on my case suggest to me reasonable evidence of unskilled labor and failure to use ordinary good judgement in this fraud case. Claim Department The first representative who took my claim was outsourced from a XXXX. He yelled at me for not listening when I asked for clarification, and continued to say " You authorized this wire ''. We had a tense discussion as I would not back down that I did not authorize this claim. The entire process was frustrating and scary. He did not offer to do a rapid recall. I asked if we could get the money back. He said no. I requested to speak to another agent. He transferred me. She seemed more professional but then her line was disconnected. I went to the bank to close my checking accounts and to confirm my claim. The second claim representative informed me the first specialist did not open it correctly so it was not opened at all. She also said a rapid recall was not possible. So far I have been in the phone with Chase since XXXX. I left the bank 3 hours later. The resulting 10 out of the 12 representatives I spoke to were outsourced from the XXXX or XXXX. It took at least 45-60 minutes to get in to the claim department. It was incredible difficult to understand the agents and their knowledge about handling the claim, what I should do, what I could do was limited to none. I went in every week since XX/XX/XXXX and reviewed details. Every week there were outrageous errors. I spent at least 3 hours per week at the bank from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint w/Chase to how they were handling my claim. At every juncture they frustrated not help my attempts to recover my funds. I filled out the forgery packet and provided multiple pieces of information. 10 days later there was no response. The 4th time I went to the bank, Chase had processed the claim for XXXX and not XXXX. I had to wait another 10 days to get a response and for them to correct or get in order their documentation. A private banker at Chase was witness to all of my phone calls. He also was upset and embarrassed with all of the mistakes. Lastly, I recalled that I had received several texts from Chase the week prior. One regarded if I made a purchase and to indicate y/n. The other resulting Chase texts were to update my accounts on-line. I used the text update my account. I went to Chase and updated my information. I monitored my accounts for daily afterward. There was no suspicious behavior. In filling out the affidavit and speaking with the claim reps, they said Chase would never ask to update information via text. I informed them the website was a Chase website. It was exactly what Chase 's website looked like. I inspected it. There was nothing that indicate it was not Chase or a scam. I logged in etc. Following these discussions with Chase, I now conclude that this website may not have been chase. I disclosed this information to Chase. I also disclosed that my phone was compromised. XX/XX/XXXX Chase responded with an email that I did not take the appropriate steps to protect my account against fraud. I counter and say, Chase is did not do enough to inform me that fraud may have been happening to my account, and in general Chase is not doing enough to inform customers that fraudsters are specifically targeting to Chase and Wire Fraud since it is an easy, on-line service scammers can hack into given Chases limited stop to this. Chase is able to send offer letters to customers to encourage them to use their financial products. Chase needs to send out more notifications to your home address encouraging you to be more on alert to being specifically targeted as a Chase customer. Chase also does not disclose that likely 80 % of their workforce in Claim and Fraud representatives are outsourced at this time and representatives are not prepared to handle complex, documentation. Outsourcing would not be problematic if the outsourced workers were skilled and highly trained and to take well-documented notes and details in English. This is not the case. They are not. There were multiple errors in my claim and when phoning in. I have the private banker as a witness. The specialists I spoke with all appeared to have basic, entry-level skills vocabulary and grammar. I am a XXXX XXXX and XXXX XXXX. I am licensed. It was clear the language capabilities and/or receptive language of the specialists I spoke with were not especially adequate to document complex internet economical criminal behavior I reported. Chase also does not disclosing the amount of errors on their part that adversely impacts the victim/customer in advocating for oneself and recovering their money. Chase did not care at all that I was unable to pay my bills, my mortgage, that I am new homeowner or that I banked with them for over 15 years without any prior incident. I also felt discrimination on the basis of gender and race. I was unable to show any type of anger or raise voice as this quickly lead to ending the call. The private banker was male. He was able to serve as an intermediate communication person. He was also proactive of his job and I could not strongly ask him to put himself in jeopardy. However, I felt great humiliation and blame firstly for not being able to fully speak for myself, and secondly for the amount of liability the bank was assessing to me saying I should have known. There were no discussions of liability or any acknowledgement of Chase 's response to not stopping the wire transfer in light of the suspicious behavior. There was no discussion to how I should have known when they themselves did not use ordinary, basic care. Is the customer supposed to police the Banks resources? Is the customer supposed to know beyond a shadow of a doubt that a website may be false when it is identical to Chases? The answer is no. This is not possible. I never imagined Chase would not help me in a case of unauthorized payment. Nor did I ever think Chase would NOT stop a payment with so many red-flags. Both Chase and I were victims of a highly, complex fraud operation that is beyond their highly-trained or ordinarily-trained representatives to prevent. I had never heard of an electronic sim card swap. With every other person I spoke to about this in my claim, they had not either. Including, private banker. It was equally difficult to explain this to the claim specialists with varying levels of English proficiency and fraud expertise answering my calls. In my XXXX Privacy notice for this checking account from Chase under Accounts Alerts and Text banking Chase indicates it may contact customers using telephone number, email, and/or other delivery points so they can inform you about your accounts. There is no mention that I will be held 100 % liable if I am scammed. The XXXX disclosures, more fully explain this and have several expanded entries or wire-fraud. This was not included in my XXXX disclosure, when the bank changed my checking accounts from Chase Total Checking to Chase Premier. Chase clearly says they can refuse to authorize a transaction where they reasonably believe there may be fraudulent, suspicious or illegal activity. I state that Chase did not use reasonable or ordinary care to do this, which would have secured this money in both our interests. Chase is a bank and employ fraud experts. To suggest a customer would have more experience and knowledge than the very experts hired and trained by Chase to intercept fraud is ludicrous, irresponsible, and absolves Chase of any responsibility of their own use ordinary care or in instances when Chase could have prevented this. Ordinary care for the largest bank and richest in the world, requires Chase to have a standard that is more knowledgeable than an ordinary customer. There are enough red-flags to show Chase could have prevented this. They have the authority to stop charges. I reported this crime less than 24 hours after it occurred. I did not benefit from this unauthorized withdraw. I did not know the recipients. This is a personal violation where the bank had the final say. This fraud has destroyed my financial security and trust in Chase. Chase response to me and it's treatment of my claim has been intimidating and stressful and has reduced me to a victim with no recourse. I vehemently disagree. The ETA states that in ATM, credit card fraud, funds transferred by telephone, money exchanged electronically that are fraudulent, the customer is liable {$50.00} if claim is made within 2 business days and up {$500.00} if reported later and/or within 60 days. After 60 days you are not entitled to any reimbursement of your funds. Wire transfers are direct bank to bank electronic transfers. Should liability be assigned to me, then it should follow more reasonable terms. Holding me 100 % liable or XXXX liable is incredibly destructive and punitive to the customer. It is obvious to me My Pin, and telephone numbers are not enough to keep funds safe, especially given the ease to which fraudsters are able to steal your information. Chase has not proved I did not use ordinary care or justified 100 % liability. I am an intelligent person. I have 3 degrees. I am a XXXX. I review my accounts daily. I do receive notifications from Chase. I verified the site to my best ability and it appeared to be Chase, in every aspect. This is the expectation of ordinary, for a bank customer. In the XXXX Chase disclosures sent to me when my accounts were changed by Chase, the fraud section was not are not as expansive as it is now. The new disclosures associated with my new bank accounts that I was required to open include much more explicit fraud disclosures and information. I did not have those in my booklet from XXXX, which I have now. However, the issue still stands that flatly denying customers based on being victimized by a scam, which customers are specifically targeted as Chase I am prepared to continue to appeal Chase 's denial. I will ask Chase directly to reinstate my account. I will further indicate I will proceed with further complaints and pursue Small Claims Court should Chase continue to not reimburse my account. See attached documents. Police Department in XXXX XXXX, Ca would not take police reports for this internet fraud but had me fill out ICF 3 form instead. | ||||||
| 06/17/2019 | Yes |
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| Please see below letter, which was signed for by a XXXX XXXX XXXX at the Chase Executive Office on XX/XX/XXXX. I have not yet received any response or even a receipt of acknowledgement from Chase Bank. XX/XX/XXXX Chase Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mailstop XXXX Hello, I would like to elevate my dispute of several unauthorized charges to a higher level, as I have been told by both the Fraud Department and the Merchant Dispute Department that these charges have been deemed valid. Firstly, let me say that I have been a loyal Chase customer since XX/XX/XXXXand that up until this point I have been highly satisfied with your services, particularly in regard to travel benefits and rewards. I have personally referred two individuals who have opened Chase Sapphire Preferred credit accounts, and I have made posts on social media praising your company. My recent experience has dramatically and completely reversed my views on Chase Bank. On the evening of XX/XX/XXXX local time, I visited the XXXX XXXX, a gentlemans club in XXXX, Poland. I purchased a few drinks at the venueno more than five in total. After ordering my first drink ( house/well liquor and sparkling water ), I handed my Chase Sapphire Reserve card ( ending in XXXX, now replaced by card ending in XXXX ) to the bartender to pay. The bartender returned minutes later and stated that they were having difficulty running the card, so I then handed the bartender my Chase Sapphire Preferred card ( ending in XXXX, now replaced by card ending in XXXX ). When asked, I agreed to keep the tab open, so the bartender was in possession of both of my Chase credit cards for the duration of my visit to the XXXX XXXX. I did not see either card again until I signed a single bill before leaving the venue a few hours later. All of my communication with the XXXX XXXX staff was in English, as I do not speak any XXXX. It was apparent that English was a second language for the bartender. Upon waking the next morning, I checked my phone and saw a number of text messages from the Chase Fraud Department ( see attached screenshot ). The first asked if I had used my card ending in XXXX ( now replaced by card ending in XXXX ) for {$830.00} at XXXX XXXX on XX/XX/XXXX, and the second asked if I had used my card ending in XXXX ( now XXXX ) for {$1500.00} at XXXX XXXX on XX/XX/XXXX. The third and fourth text messages instructed me to call the number on the back of the card ASAP to discuss activity on my account ending in XXXX ( now XXXX ). I did not recognize the merchant XXXX XXXX XXXX, and though I had visited a venue called the XXXX XXXX the previous night, I most certainly did not spend {$1500.00} there. I immediately sent a response text, No, which was then answered by an automated text message : Thank you. Your card cant be used until we speak with you. Call to turn it on or order a new one. These messages reassured me that your company had protected me from any potential fraud : You detected suspicious activity and contacted me to verify that it was authorized ; I didnt respond until ten hours later, so obviously you would have blocked all attempted transactions with the merchants in question. I had only one more day in XXXX and was fully confident that I had nothing to worry about because I trusted in Chases commitment to protecting its customers from fraud and in Chases ability to do so competently. Thus, I chose to spend the time sightseeing, did not contact the authorities, and waited to check the transactions on my accounts and make the call until I was on my way home on XX/XX/XXXX. During the layover on my return trip, I opened the Chase Mobile App and was shocked to find the charges listed below from XX/XX/XXXX on my Sapphire Reserve card ending in XXXX ( now XXXX ) : XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$27.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1600.00} On my Sapphire Preferred card ending in XXXX ( now XXXX ), I found the following charge from XX/XX/XXXX: XXXX XXXX {$1500.00} I did not recognize the merchant name XXXX XXXX XXXX in any capacity, but drew the obvious conclusion that this entity was affiliated with the XXXX XXXX, as these unauthorized charges posted on my account the same day as the unauthorized charges labeled XXXX XXXX. When I phoned Chase, my call was received by a non-native English speaker who struggled to understand my account of what had transpired. I attempted to explain to him that both credit cards were in my possession at present, that I did visit the XXXX XXXX but did not make any purchases there in an amount greater than {$30.00} USD at most, and that I did not recognize the merchant XXXX XXXX XXXX at all. I did not recall the exact amount that I had spent at the XXXX XXXX and had not retained my receipts, so I chose to dispute all charges listed above with the exception of the single charge in the amount of {$27.00}. Despite the fact that this particular charge was attributed to a merchant I did not recognize ( XXXX XXXX XXXX ), it was the only charge from the evening in an amount that could possibly correspond to the actual cost of my purchase, and as I have previously stated, I assumed that the two merchants must be one and the same. The individual with whom I spoke expressed a great deal of uncertainty as to which department should handle my dispute, but ultimately decided to pass the issue along to the Fraud Department. I canceled and requested replacements for both cards. Soon after my return home, I received two letters from Chase via USPS. The letters were dated XX/XX/XXXX and indicated that the charges I was disputing ( on both accounts and with both merchants ) had been reapplied to my account for the following reason : You notified us that this transaction is valid. I was thoroughly confused and quite unsettled by this letter, as I had not then and have not at any point since stated that these transactions were authorized by me, and I most certainly did not notify you of such. I have maintained from my first contact with Chase in regard to these charges that they are ABSOLUTELY NOT AUTHORIZED. I was already quite troubled that your Fraud Department had allowed the charges to be processed in the first placewhats the point of sending a text message asking if I had authorized a highly atypical transaction if youre going to approve the transaction despite receiving no response from me?!? Being told at this point that I had allegedly indicated these charges were legitimate completely eliminated any remaining confidence that I may have had in the Chase Fraud Department. I contacted Chase to inform the Fraud Department that I had not in fact notified you that the charges were valid, and to reinstate the disputes immediately. After months of communication with Chase in regard to this issue, it is now my understanding that any dispute involving a merchant with whom the customer acknowledges making even one legitimate transaction does not meet your definition of fraud. Additionally, I was told that the incident does not qualify as fraud because the credit cards were not lost or stolen, but were in my possession and were proven by the merchant to be chip transactions ( meaning that the credit card was physically inserted into a chip reader ). It is inaccurate to say that the cards were in my possession ; as I previously stated, the credit cards were in the physical possession of the bartender/XXXX XXXX employees for the entire duration of my visit. It is entirely possible that chip transactions were made without my knowledge or authorization. I received letters dated XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX stating that all disputed charges with both merchants on my Sapphire Reserve card ( XXXX/XXXX ) had been determined to be legitimate. When I called to contest this result, the Chase employee that I spoke to explained that the situation did not constitute your definition of fraud due to the reasons listed in the above paragraph. She suggested that I instead bring the issue to the Merchant Dispute Department. When I called the Merchant Dispute Department on XX/XX/XXXX, I was finally informed that the form I had previously been asked to fill out providing further information about the incident had been available in the Statements and Documents section of your website since XX/XX/XXXX. Members of the Fraud Department had told me that this form would be sent via USPS, and I had contacted them repeatedly stating that I had not received it. Additionally, I saw for the first time that the merchants response to my disputes had been posted on the website on XX/XX/XXXX. No one from the Fraud Department had provided me access to this form or merchant response, and this was the first time I became aware that either was available. I promptly returned the form and reviewed all information provided by the merchant. For your reference, I have attached my dispute form as well as a copy of the merchant response document. Upon reading this document, I found that the merchants response addressed only the charges to the Sapphire Reserve card ( XXXX/XXXX ) listed as XXXX XXXX XXXX, and did not include a receipts for any of the fraudulent charges listed as XXXX XXXX. The merchant had sent copies of only three receipts with signatures : Receipt number XXXX in the amount of {$830.00} USD/XXXX PLN ( pages 5 & 12 ) Receipt number XXXX in the amount of {$1600.00} USD/XXXX PLN ( page 8 ) Receipt number XXXX in the amount of {$27.00} USD/XXXX PLN ( page 11 ) Of these three receipts, only the one on page 11 is shown in an image that is bright, clear, and fully legible. To the left of it is a second documentunlike the first three receipts, this document lacks a signature and at the top reads XXXX XXXX XXXX. A quick XXXX search shows that this translates to Fiscal Copy Paragon, so this document appears to be the merchants itemized copy that relates to the customer copy shown on the rightin other words, both documents refer to a single transaction in the amount of {$29.00} USD/XXXX PLN. Two other documents appear in the same format ( unsigned and titled XXXX XXXX XXXX ). One is on page 6 and repeated on page 13 in the amount of {$830.00} USD/XXXX PLN, and the other is on page 7 in the amount of {$1600.00} USD/XXXX PLN. Of all the images provided by the merchant, these two are the darkest, the most blurry, and the least legible. Would you disagree that it seems suspect that the merchant has been able to provide clear documentation, including a legible itemized receipt, for the {$27.00} USD transaction, but not for the transactions I am disputing? I am unable to locate in the merchants response receipts for any of the six transactions associated with XXXX XXXX ( five on the Sapphire Reserve card XXXX/XXXX, and one on the Sapphire Preferred card XXXX/XXXX ). I have to assume that the merchant did not provide these receipts to Chase, or that Chase has not offered me access to them. Clearly, the merchant has not proven that the XXXX XXXX charges are authorized ( no documentation provided at all ), and has also not reasonably proven that the disputed XXXX XXXX XXXX charges are authorized ( provided documentation is dark and not fully legible ). Upon further examination of the itemized receipts, I found that the same named item is listed for different amounts on each of the fiscal copies. On the fiscal copy on page 11, XXXX XXXX XXXX XXXX ( XXXX translates this phrase as entrance to the artistic use ) is listed at {$29.00} USD/ XXXX PLN. On the fiscal copy provided on pages 6 and 13, this same individual item appears to cost {$830.00} USD/XXXX PLN. On the fiscal copy on page 7, the same item is again listed at a cost of either {$1000.00} USD/XXXX PLN or {$1200.00} USD/XXXX PLNit is impossible to discern due to the dark and illegible receipt. The fiscal copy on page 7 also includes two other illegible items, one in the amount of XXXX or XXXX PLN, and the other in the amount of XXXX PLN, creating a total of {$1600.00} USD/XXXX PLN. This clearly represents fraud or an error, as there is no legitimate reason that the same single product or service purchased at the same venue on the same evening could possibly range in price from {$29.00} to {$1200.00} USD. After being given access to the merchants suspicious response, I took it upon myself to further research the XXXX XXXX. I came across an episode of a XXXX documentary television series called Scammers Abroad ( in XXXX, XXXX in XXXX XXXX ) that includes a segment filmed at the venue. I urge you to view this segment and take it into consideration when reviewing my dispute. The XXXX XXXX is featured in Season 6, Episode 1 of the series, which can be viewed at https : XXXX XXXX XXXX. Coverage of the XXXX XXXX begins at XXXX, when the host/narrator approaches the venue under the pretense of having a beer. His encounter with the merchant is filmed by hidden camera. First, we see a passerby warn the host that he should go to another club due to the venues poor reputation. An employee of the XXXX XXXX insists that this man lies, and the host enters the venue and orders drinks. At XXXX and again at XXXX, we see the man confirming with a female employee that the amount of his total bill is XXXX PLN. This employee then attempts to run the hosts credit card using a handheld chip reader, and at XXXX tells him that there is a bad connection and asks him to try once more ( XXXX ). The card is declined again, so the host pays in cash and leaves the venue. At XXXX he shows the viewer the receipts from the declined transactions and finds that for the second attempted transaction, the employee has added a zero to the end of the number, thus attempting to charge him XXXX PLN/XXXX EUR rather than the XXXX PLN/XXXX EUR that she had verbally confirmed as his total. I have attached screenshots of both receipts shown in this video ( the first at XXXX and the second at XXXX ). In the first screenshot, you can see that the receipt is undeniably from the merchant that I visitedthe top line reads XXXX XXXX and the second shows the address of the XXXX XXXX, XXXX. XXXX. XXXX XXXX. At XXXX the host returns to confront the merchant, and a sign reading XXXX XXXX can be seen as he enters the venue at XXXX ( see attached screenshot ). An English exchange follows in which the host tells a female employee, I called my bank, and you know what they said? We rejected this because this place is on our blacklist. They do it all the time. I can only assume that Chase Bank has access to the same blacklist. I have also attached for your consideration over thirty negative reviews of the XXXX XXXX found on XXXX and XXXX, twenty-two of which specifically mention fraud, scam, or robbery. I have highlighted the relevant phrases for your convenience. Additionally, I have included information from two different sources ( XXXX and XXXX ) regarding the general cost of living in XXXX and listing the average price of a cocktail as XXXX PLN ( {$3.00} USD ). Please also note that the venue is not one that would be described as upscale. As an individual who has been your loyal client for years, I implore you to reevaluate my dispute with genuine attention, humanity, and logic. I am not a person who spends {$16000.00} at an entertainment venue in a single evening, and this should be apparent from my credit and banking history. Prior to the charges in question, I had only made a total of five transactions in an amount greater than {$500.00} on either card in the entire history of both accounts, and none of those transactions were at an entertainment venue or in an amount greater than {$1100.00}. These unauthorized charges have been significantly detrimental to my credit score ( which at one point was above 800 ) in particular, the charges on the Sapphire Reserve card ( XXXX/XXXX ) that immediately upon posting put the balance roughly {$5000.00} over my {$20000.00} credit limit. I question why your company would authorize any charges that would cause a customer account to surpass its total credit limit by a full 25 %, especially when the transactions were highly atypical and you did not receive any confirmation from the customer that they were authorized. It is apparent from the text messages I received from Chase Fraud Protection at XXXX XXXX I have to admit that in this situation, I feel that I am both a victim of the XXXX XXXX in XXXX and a victim of Chase Bank at home in America. I am optimistically looking forward to your review of my dispute, and trust that you will consider the case with common sense and thorough attention. Sincerely yours, XXXX XXXX | ||||||
| 06/08/2022 | Yes |
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| Saturday, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Chase Headquarters XXXX XXXX XXXX XXXX XXXX, NY XXXX Manager -Chairman CEO COO JPMorgan Chase & Company XXXX XXXX XXXX XXXX TX XXXX Manager Chase Bank XXXX XXXX XXXX XXXX XXXX TX XXXX I have been an account holder for 16 years My account was closed and my account balance was taken because 2 checks on my parents estate of {$25000.00} were flagged. Chase is still holding that money and I still have not received my money outside of those 2 checks from the closed account. I had a balance in my account before the {$25000.00} was deposited but am unsure of the exact amount as I can not access my online records. Below is a timeline of the events that led to my account being closed : Thursday, XX/XX/XXXX Deposit of 2 checks totaling {$25000.00} one from my Moms and one from my Dads estate. They were checks signed over by my brother to me as part of the estate settlement process. He was purchasing the estate home from me. I went into a branch to deposit the checks and was told if Chase had a problem they would contact me for copies of any supporting documents- which I had with me that day at the branch. After the hold period, I checked my account and saw the money was deposited and available in my account. Wednesday, XX/XX/XXXX XXXX I received an automated email stating my balance was below {$250.00}. XX/XX/XXXX, XXXX Not knowing if the email was fake or not ( see attached fake email ). I checked my account and saw a XXXX balance. I placed a hold on my debit card not knowing what was happening. XX/XX/XXXX XXXX I called the number on the back of my debit card and was put on hold for 2 hours ( see attached phone log ) when I finally hung up. Thursday, XX/XX/XXXX XXXX I took off time from work to go into the same branch where I made the deposit asking what was going on with my account. The teller remembered me but the same manager was not present. XXXX XXXX came to help the teller and her first question was to see my deposit receipt ( see attached ) to see who had helped the teller before. XXXX sent me home without any answers and said she would get back to me before XXXX. XX/XX/XXXX XXXX XXXX tells me she will file a complaint for me. XXXX called me back, sends an email with her contact information, and said my brother needed to go to a Chase bank and I called the Estate Attorney at XXXX. He will get the estate administrator to reissue the checks in my name. I just need to have Chase return the checks to the estate account. XX/XX/XXXX XXXX XXXX calls again saying another option is to stop payment on the checks because we now know Chase is holding the {$25000.00}. At one point during this day XXXX states that Chase Bank will not provide an expected date that they may release the {$25000.00}. XX/XX/XXXX XXXX XXXX calls again. I had scheduled a meeting with her the following morning at XXXX and she tells me that her manager will be present at our meeting. Friday, XX/XX/XXXX XXXX I meet with XXXX XXXX without any manager present who informs me the estate must make a claim and dispute the checks. She says the length of time that will take will depend upon those banks. She gives me a direct line to the people handling my case XXXX opt 1. I learn that my entire account is closed out nowI do not have online access to any of my records. XXXX says she has also escalated a complaint for me as wellno confirming number of the complaint is provided. I asked where my personal money in the account is and she said it was mailed to me 2 business days ago. She said to call the number she gave me for more information on my money. XXXX confirmed that I no longer have an account at Chase it has been shut down and they are sending my money to me. I then asked her if I would be flagged as a fraudulent customer and she said she didnt think so. I asked her if my bounced checks and fees were my responsibility and she replied your account is closed. When I asked her if they had the legal right to take my money and close my account she said yes, its what they are saying. I am requesting my account with my money be restored today so that I receive my direct deposit of my social security check this Wednesday, and none of my bill payments are shown as insufficient funds and that I am not charged for any fees associated with insufficient funds. I feel I have been damaged personally as well as in time and work lost by this unnecessary and questionable action by Chase Bank. Sincerely, XXXX XXXX See attachments : Fake Email from XXXX XX/XX/XXXX Phone Log to Chase -on hold XXXX hours and no answer Deposit Receipt of {$25000.00} on XX/XX/XXXX TIMELINE CONTINUED. Saturday, XX/XX/XXXX late afternoon I sent the 3 letters by XXXX ( {$130.00} ) to arrive before XXXX Tuesday morning XXXX XXXXhmissed pickup for Monday delivery. Wednesday, XX/XX/XXXX late afternoon XXXX from XXXX XXXX New York office called and said she was assigned to investigate the issue. The phone call was recorded. She's going to do research to see why it was closed and the reason and see if it can be reopened. She said " Based on the deposit account agreement the bank can restrict or close an account without any reason. '' She stated she had an account and they could do it to her too. I will do my best to get your money back to you.... not guaranteeing anything... have to see what happened and what can be done to resolve this. Account is completely closed at this time. You are responsible for any returned payments etc. I'll research to see how soon we can have the funds released to you. If you have any other details reach out to me. She'll update me by phone call as she gets updates. I received an email saying my phone bill payment was not sent and I was able to log into my chase account ( couldn't log in before ) to read that ... .but that was all ... .it asked if I wanted to open an account ... .only had access to the alerts. I have no access to bank statements or banking history. Received a statement dated XX/XX/XXXX stating car insurance policy cancellation if amount is not paid by XX/XX/XXXX. I'm so thankful I did not pay many bills from this Chase account. I never received a notice from the bank that this was not sent. Friday, XX/XX/XXXX I received a cashiers check dated XX/XX/XXXX from Account Closing in XXXX XXXX, Texas postmarked XX/XX/XXXX for my personal money in the account before the estate checks were deposited ; however this was not the correct amount. The check was for {$810.00} which is the amount of my Social Security check. Chase is still holding my estate money and personal account money. Saturday, XX/XX/XXXX I deposited the {$810.00} Cashiers Check in another bank account. I know it was the incorrect remaining balance of my account. Sunday, XX/XX/XXXX I received another fake email from Chase. Monday, XX/XX/XXXX I received Chase Credit XXXX email. I learned from the XXXX Social Security Office that my XXXX payment was NOT returned or in suspense file. It was received by the bank. So was this the check I received from XXXX? I changed my future direct deposit payments to another bank. Tuesday, XX/XX/XXXX XXXX I leave a phone message with XXXX at Chase Headquarters in New York asking for an update and explanation since I had not heard from her since last Wednesday. XXXX XXXX returns my call. ( She was very mixed up on details. I felt she was very over worked. ) She insists my Social Security check was returned on XX/XX/XXXX because my account was closed on XX/XX/XXXX she said. She said the {$810.00} cashiers check I received was the money I had in my account. ( My account was actually XXXX plus the {$88.00} to XXXX XXXX and probably the {$100.00} to XXXX. Total of {$400.00} ) See attached Transaction History I received XX/XX/XXXX. She said she had received a call from the XXXX XXXX XXXX but in fact it was from one of the banks XXXX had asked to call her. XXXX stated she could not return the call to her because the tool they use on their system would not verify her number and requested a different number for her. She said they could release the funds to me if they received an approved number for her. I asked for bank statements since I had no access. She told me to go to any Chase branch with 2 forms of ID and I could get them. XXXX will be out of the office on Thursday but will contact me when she gets updates. We had to restrict and close your account and move it to a Suspense Account. She kept repeating we have a process in place and it is our standard banking procedures. Wednesday, XX/XX/XXXX I went to another Chase branch this morning and requested my bank statements. They could not give them to me. I did get a copy of my Transaction History. Now they are requesting both XXXX and XXXX go verify their identity at a Chase branch. The closest Chase branch is over XXXX miles away. XXXX is in bad health. They asked for XXXX phone number. I gave them the cell and land line numbers. They said neither number was approved by their tool so they could not reach out to her. They asked for another number for her. There is none. XXXX was at a doctors appointment during that time anyway. From the very beginning, I have asked the bank to return the checks to the issuing banks. The reply is it is a lengthy process. I asked what happens if XXXX and XXXX dont go to a bank. She replied it is in a suspense account and maybe would get turned over to the State in time but she wasnt sure of the procedure. XXXX I sent an email to XXXX to see if XXXX transfer of {$100.00} was received. According to my account it is pending. Thursday, XX/XX/XXXX My account balance they are holding is {$300.00} ( {$210.00} plus the {$88.00} XXXX XXXX draw which didnt process ) XXXX news investigates. Sunday, XX/XX/XXXX It was XX/XX/XXXX that I was finally able to receive the closing estate checks from my Mom and Dads estates. My Dad was found dead unexpectedly on the morning of XX/XX/XXXX and Mom was already into severe Alzheimers at Dads passing. Mom passed XX/XX/XXXX in hospice. There was no Will. My brother stated he would drag it out so nothing was left for anyone because he felt he deserved it all. In XXXX after almost 5 years and the fact we are not on good speaking terms, I offered the 3 bedroom estate house plus 1.3 acres I was to get in the settlement to my brother at half of its XX/XX/XXXX appraised value. I was losing lots of money in order to just reach a settlement after years of fighting. After all the stress of nearly five years, I thought it was almost all over and for my own health I was going to finally get to move to a healthier place for myself. I had already given notice to my landlord and was ready to secure a new place to live. ( I had severe XXXX XXXX XXXX XXXX XXXX in XXXX. I was referred to XXXX in XXXX by a XXXX XXXX, Illinois doctor for help at the XXXX XXXX XXXX of XXXX. I have to be very careful with my health in order to stay functional. ) I finally had received my estate money and deposited it a month ago now. Everything is stalled because the bank made a mistake and I have to pay for it as one of the bank managers confirmed to me. Chase is requesting that my brother and sister visit a Chase Bank for verification. The last time my brother and sister were together they had to have the Sheriff involved. Upon accurately mapping the closest Chase branch to my sister and brother it is over 112 miles away and over a 2 hour drive one way on a Sunday night without traffic. Isnt there another way to solve this? Chase is holding {$300.00} of my money PLUS {$25000.00} in estate checks totaling {$26000.00} for over a month now! XXXX, Monday, XX/XX/XXXX XXXX calls me today saying ( this is a new defined requirement ) they need to verify the issuer of the check XXXX XXXX ( estate executor ) in order to return my funds to me. Her phone number does not verify in their system tool. If I want the funds returned to the issuing bank it is a process. It goes and stays with a department of the bank for an undetermined amount of time and then it goes to the State for an undetermined amount of time before maybe being released to me. She said it varies according to each state how long that would take. If you provide a good number for XXXX XXXX we can release the funds to you if she verifies she wrote the checks. She mentioned the other option of XXXX XXXX going to a Chase branch. I told her it was over 124 miles one way to the nearest Chase branch and XXXX said she didnt know that and that was not feasible. She said XXXX XXXX needs to provide another number. I gave her the only other number I had. ( I later found out it is not a land line number it is an old trac phone number XXXX XXXX kept. ) I told XXXX she doesnt use that number. XXXX again requested another number for her. I said she has no other number. I asked her if she wanted XXXX XXXX to go get a new phone number and how would XXXX XXXX know that number would be valid in their system tool. ( I am also aware that XXXX XXXX will be in the doctors office a good portion of the day tomorrow. ) Thursday, XX/XX/XXXX Forgot to handle XXXX auto transfer to XXXX from XXXX account and was charged {$25.00} return fee. I was on the phone with them for over an hour getting the restriction removed from my account. Friday, XX/XX/XXXX I received in the mail today a Chase Checking Summary showing Other Withdrawals. ( See attached ) I am owed a grand total of {$26000.00} -- -- {$25000.00} in estate checks deposit PLUS {$210.00} of my own account balance XXXX PM Friday, XX/XX/XXXX VOICEMAIL Hi this is XXXX calling from Chase Executive Office. Im calling for XXXX XXXX. Im calling in regards to the complaint that came to the Chase Executive Office um we reviewed your concern XXXX XXXX um we tried we explored all our resources to see if the funds that are on hold or in the suspense right now that can be verified and released to you. um based on the numbers that we were provided we tried to um verify those numbers to contact the maker of the checks but unfortunately both those numbers did not um get approved to for the call to be made for the funds to be verified. So we are now left to the option where um where the maker can visit the branch with 2 forms of ID and appropriate State documents to verify those checks. I do understand that you had mentioned it is far for the maker to come to the branch but thats the option we are left with. Um For us to return the funds back to the maker the maker can request from their bank for the funds to be returned um request back. We can not send the funds back um it has to be a request made by the maker to their bank so if they can request their bank to have the funds um back from us then we can send the funds back to them. Or the other option is for them to visit a branch with 2 forms of ID and appropriate State Documents. Um We have those 2 conditions to meet um in the meantime the funds will stay in the suspense account and after awhile it does go escheatment to the state. So again XXXX XXXX you have two options to either have the maker visit the branch with the 2 forms of ID and appropriate state documents or request their banks to get the funds back. Um The maker can contact their bank and have the funds returned to them. If you still have any questions please feel free to reach out to me. My number here is XXXX my extension is XXXX and Im in my office Monday through Friday XXXX am to XXXX pm central. I understand that this resolution is not a favorable response that you expected XXXX XXXX but please do understand that we reviewed our standard business procedures and our research has been completed on this. Um after exploring all our options these are the two options we have available um to go and release the funds to you. Thank you for reaching out to the Executive Office and you have a wonderful day. Tuesday, XX/XX/XXXX XXXX XXXX, Executor of Estates, went to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX today. She spoke with XXXX XXXX at XXXX Bank and XXXX at XXXX XXXX XXXX. It appears they will probably ask for the money back but XXXX XXXX said it could take over 30 days. Thursday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, informs me she received a call from XXXX at XXXX XXXX XXXX XXXX XXXX today and they do not know how and will not be issuing a recall of the funds on their check as they think this is a scam. Thursday, XX/XX/XXXX I never received copies of my bank statements for XXXX and XXXX. As the XXXX XXXX is refusing to recall the funds and not knowing when or if XXXX XXXX, Executor of Estates, will be able to make it to a Chase Branch I am filing a complaint with the CFPB today. | ||||||
| 08/18/2020 | Yes |
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| I have been a high net worth customer of JPMorgan Chase Bank with a relationship spanning over 30+ years. In addition, I am a XXXX female XXXX with a 25 year career spent working at the top in XXXX XXXX and XXXX XXXX, ( with professional relationships extending to the Board of Directors of JP Morgan Chase ). Therefore, I have been shocked and appalled at the unprofessional, unfair, and illegal treatment that I have received at the hands of JPMorgan Chase, and specifically, the Chase Executive Office and Chase Credit Card Services in the handling of fraudulent charges made on two of my Chase Credit Cards by a former employee of mine. If someone with my stature, expertise, C-suite relationships and access can not get fair treatment from a financial institution like Chase, then the everyday citizen has literally no hope. Chase 's actions have exposed the ugly underbelly of a financial institution in total control of the situation and uses their power to avoid protecting their customers, nevermind that they are legally bound by fiduciary duty to do so and investigate any disputes in a thorough, professional manner. Here are the pertinent details : On XX/XX/XXXX, my husband and I discovered that a trusted employee of ours ( our House Manager, who is the daughter of our now-former long-term Housekeeper ) had been stealing from us for the past 20 months. In addition to bank and check fraud, stealing physical items and cash from our home, and identity fraud, she and her family members were making unauthorized charges on two of our Chase Credit Cards without our knowledge or permission. She was actively concealing XXXX XXXX XXXX of dollars of fraudulent purchases by setting up fake Amazon accounts, XXXX accounts, etc. and mirroring our household purchases in a way that made it very difficult to discover. When we discovered the fraud, we went immediately to the XXXX XXXX Police Department ( XXXX ), and were fortunate enough to have a relationship with the Deputy Chief of Police who put us in touch with our local division 's fraud detectives. Subsequently, given the complexity, scope, and dollar amount of the fraud, the bulk of our financial case was assigned to the XXXX XXXX XXXX ( XXXX ) of the XXXX. Initially, we were instructed IN WRITING by the XXXX detectives handling our case NOT to notify our insurance companies or financial institutions of the fraud until the XXXX had determined a final total loss amount given that they had to review over 1,000 pieces of evidence of the fraud in the form of receipts, statements, texts admitting the fraud, etc. This is a COMPLICATED case with a lot of moving parts, as evidenced by the XXXX 's documentation and over 1,000 pieces of evidence. As it relates to Chase, the case involves the massive fraudulent use of two Chase credit cards : On the first card, the employee was NEVER an unauthorized user on the cardwhich is indisputableand therefore the investigation was simple in that she was never authorized to make purchases on the card and was never in physical possession of the credit card. Instead, unbeknownst to me, she had stolen the card number from my wallet and was using the card number, expiration date, and CVV information to make ONLINE purchases only, the bulk of which were through a separate Amazon account that she set up in her name and linked our Chase credit card to. She not only fraudulently purchased goods outright on the unauthorized, stolen card, but also used hundreds of thousands of our Chase Ultimate Rewards points to purchase ( or offset some of the purchase ) of goods on Amazon. The second Chase card was more complicated, because our employee WAS an authorized user on the credit card and had a physical credit card with her name on it that she was authorized to use in order to purchase groceries and other household items for our home. However, rather that making authorized purchases for us as part of her house manager job, she was passing her physical credit card to members of her family to use ( which is being investigated by XXXX ) ; therefore those users were unauthorized to use the card, and they were therefore clearly making fraudulent purchases. The Chase Executive Office and Chase Fraud Dept said that their investigators would be reaching out to the retailers involved to investigate the charges made on that card, and to determine who, in fact, was using the credit card at the time of purchase. If it was our employee making the charges, then those charges would not be reversed since she was personally an authorized user on the card ; however, if she was not the one making the purchases, those charges would be both fraudulent and unauthorized, and would be reversed permanently. Given the astronomical dollar amounts associated with the fraud, and after waiting for over 30 days for the XXXX to start their investigation, I approached the XXXX and asked them to allow me to contact Chase and our other financial institutions to begin to recover our money, given the tremendous financial burden the fraudulent activity had created for my family. The XXXX agreed, telling us that we needed to make sure Chase Fraud investigators did not " tip off '' the perpetrator, and that the fraud department should work in concert with the XXXX, as they too [ Chase ] were victims of the fraud. On XX/XX/XXXX, after having been given the OK by the XXXX to approach Chase, I called and wrote an email to XXXX XXXX, EVP of Chase Card Services, copying XXXX XXXX, Co-President and COO of JPMorgan Chase and CEO of the Consumer & Community Banking division explaining the situation. I approached XXXX and XXXX given my 25 year career in the financial services industry and given several relationships at the top with JPMorgan Chase executives, including two of their Board members. Shortly after my email was sent, in early XXXX I received a call from " XXXX '' in the Chase Executive Office ( no last names are given even when requested ). When we finally connected ( he was out of town and unreachable for at least 2 weeks ), I explained the entire situation to XXXX in granular detail and he asked me for any supporting documentation, including the XXXX case information. After assembling the information into an organized set of documents as XXXX had requested, on XX/XX/XXXX, I sent him seven separate emails with all of the documentation from the XXXX along with the disputed charges on both Chase Credit cards. I then sent XXXX an 8th email on XX/XX/XXXX with a copy of all of the documentation regarding the Chase Ultimate Rewards Points that the perpetrator had used to fraudulently purchase goods on Amazon account using my Chase credit cards/Rewards Points. When I did not hear back from XXXX, I called him to follow-up a week later, and he informed me that I needed to call the Chase Fraud line directly to report the fraudulent charges to them so that they could reverse them on both credit card accounts directly. When I called the Chase Fraud department, they instructed me to FAX a copy of all of the disputed, fraudulent charges to them which I did since they could not accept emails from outside parties. After following up on the fax over the next two weeks, I was informed that Chase never received my fax. The representative I spoke with suggested that I go into a Chase Branch to have them send the fax " intra-Chase '' so that we would get a confirmation number and be able to track the fax. On XX/XX/XXXX, I went into my local Chase retail branch and spoke with a helpful Chase " Relationship Banker, XXXX, who assisted me in sending two faxes detailing the disputed charges on both credit cards, one 80 pages and the other 20 pages, to the Chase Fraud department fax line. She kept the confirmation sheets that the faxes had sent, along with the fax number they were sent from ( the branch ). When I called to follow-up on the faxes with the disputed charges within the week, I was told that the faxes go to a separate Chase Fax Dept. and it can take up to ten business days for them to be reflected, but that with the XXXX holidays approaching, and several bank holidays pending, I should wait until after the first of the year. On XX/XX/XXXX I called the Chase Fraud Department again and was told they had not received them. On XX/XX/XXXX I called again and spoke to a man named XXXX who informed me that my case was being reassigned, but that there was no record of any disputed charges in their system, and no record of a fax being received. At this point I went back to the branch and enlisted XXXX help again ; this time she called the Chase Fraud Department directly and asked XXXX whether she could send Chase Fraud a copy of the disputed charges via email ( along with all of the supporting documentation for my case ) if I emailed them to her. Chase Fraud agreed to accept the information from her since it was internal Chase -to-Chase email, and on XX/XX/XXXX I forwarded to XXXX 11 emails which she then forwarded to Chase Fraud Dept. The emails not only included the disputed fraudulent charges on both credit cards, but all of the supporting documentation that had already been sent to the Chase Executive Office. During the last week of XXXX, I called the Chase Fraud Dept. again and spoke with a man named XXXX, who informed me that they had received all of the disputed charges on both cards emailed to them by XXXX. XXXX informed me that a Fraud dept. employee named XXXX had received our emails with all of the disputed charges, and that he would finish inputting the fraudulent charges in the system by the end of the week. XXXX assured me that once the charges were inputted into the system, my case would be assigned to a Fraud Investigator who would reach out to me directly to hear all of the details of my case, and would serve as my point person throughout their investigation, including speaking the the XXXX XXXX detective in charge of my case. Around this time I received a voicemail back from XXXX in the Chase Executive Office saying that he had reviewed my case and would suggest that I pursue the case as a civil matter, asking the perpetrator to make restitution for the fraudulent charges. I immediately called XXXX in the Chase Executive Office to ask why they would have made that determination, but was told that he no longer worked in the division and that my case was going to be reassigned to another individual, but that they did not know the name of the person it was being reassigned to at that stage. I explained all of the other things I had been doing with the Chase Fraud Dept. in the meantime. I was told that I would receive a call from the Chase Executive Office shortly with the name of the newly assigned investigator/case lead. After having XXXX XXXXXXXX on XX/XX/XXXX, I spent the first few weeks of XXXX recovering. By the last week of XX/XX/XXXX, after making several additional phone calls to the Chase Fraud Dept., none of the disputed charges had shown up in the system. I reached out to XXXX again, and she reached out to XXXX and his supervisors through Chase internal channels. At this stage everyone was very apologetic, and XXXX promised to get all of the disputed charges into the system by the end of that week. Sometime shortly thereafter, all of the disputed charges FINALLY showed up as credits on my credit card statements. This was a tremendous relief, and as soon as I saw the credits hit, I called the Chase Fraud Dept. and the Chase Executive Office to find out who had been assigned as the investigator for my case. To my dismay, NO ONE had been assigned. They simply credited the amounts and then did not investigate them. Just as soon as I was credited for the disputed charges, those charges were reversed. I was not called by an investigator at any time, and the only communication I received was a letter from XXXX in the Fraud Department ( XXXX ) XXXX, Ext. XXXX saying that she had completed her review and that I am responsible for all of the disputed transactions because You received benefit from this transaction. No other information. When I called her to ask more information, I spoke with XXXX in the Chase Fraud department ( extension XXXX ) who told me that XXXX was no longer handling my account, but that if I was dissatisfied with the outcome he could reopen the case and take a look at it. I re-explained the entire situation again to XXXX, particularly focusing on the UNAUTHORIZED credit card which is exceedingly straightforward and indisputable, and outlining the disputed charges and encouraging him to speak to the XXXX and review all of the documentation I had provided. XXXX came back to me after XXXX weeks to say that he was backing up the XXXX findings, and that they had made their ruling based on two FACTUALLY INCORRECT findings : first, that our former employee was an authorized user on both credit cards ( she was not! ) and second, that I had waited until XXXX of XXXX to report the fraud and attempt to have the charges investigated and reversed ( which is not true and evidenced in dozens of emails dating back to the fall of XXXX ). I told him that neither of those facts were true and pointed him in the direction of the evidence to the contrary ( very simple to find in this case ), but he then told me he couldnt do any more and that I would have to request an appeal if I wanted anyone to continue to investigate it. He seemed VERY unprofessional and unknowledgeable, so I asked him how long he had worked in the Chase Executive Office..his answer was less than 3 months. He had NO IDEA how to actually investigate my case. I told him I did want to appeal, at which point he told me that he was passing my case on to another, more experienced investigator who would call me shortly. By this point, XXXX, COVID was in full swing. When I would call to follow-up I would simply get referred to the online system, with a recorded notice instructing me to email them at XXXX. On XX/XX/XXXX I finally received a final voicemail from a woman named XXXX in the Chase Card Services Executive Office saying that she received word that I did not agree with my disputed charges being declined, but that because all of the charges were being made by an authorized user there would be no additional assistance Chase could provide and that therefore I was liable for all charges and that they recommend I pursue it as a civil matter with my former employee. Obviously, this is absolutely NOT TRUE, and easily verifiable by looking at the basic cardholder agreement and list of authorized users on each credit card. After returning XXXX call about half a dozen times and leaving detailed messages, I have never received a call back. This unconscionable treatment by Chase comes without regard to the XXXX XXXX XXXX XXXX ( XXXX ) evidence, an admission in writing on the part of the former employee detailing her commission of the crimes, and findings by the investigative divisions of other insurance and banking institutions ( XXXX XXXX and XXXX XXXX ) clearly acknowledging the factual extent of the fraud and making appropriate restitution under the law. Only JPMorgan Chase has refused to actively investigate the case. To date, I have made DOZENS of documented calls to Chase, and have sent well over 30 detailed emails to individuals in the Chase Executive Office, Chase Fraud Department, Chase Fraud Recovery ( both inbound call teams and investigators ), and Chase Branch over the course of 11 months. During that time, Chase has been giving me the run around for months they refused to actually assign an investigator to my account when I was assured repeatedly that would be the next step. The investigator was supposed to be someone I could speak with who would serve as a point person for my case : someone who was accountable for communicating where things stand with regard to my case, whom I could give all of the evidence to, and whom I could put in touch with the XXXX detective in charge of my case. Instead, every time I called I had to start over from the beginning, each call taking well over an hour since I could never reach the same person twice. The only Chase employee who has shown any desire to actually provide me with assistance and who clearly understands that I am being treated unfairly by Chase is XXXX. At this stage I am at a loss with regard to next steps, other than to file this complaint with the CFPB, hire and attorney, and sue them over the breach of fiduciary duty to protect my interests as a cardholder in keeping with their stated financial practices. | ||||||
| 11/04/2023 | Yes |
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| Consumer Finance Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX To : Consumer Finance Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam of CFPBs Complaint/Dispute Department , I would like to draw your attention to the complaint letter of XX/XX/XXXX - I sent it for your attention, in which I clearly stated how I was affected personally, psychologically, and financially by the scam in which XXXX failed to protect my funds. However, it is over 30 days and I have yet to receive a response regarding my claim. I wish I can do anything to get this complaint done or get a resolution as soon as possible, seeing as the issue at hand is a matter of urgency for me. My complaint is against XXXX which did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of XXXX XXXX and other banks do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against the aforementioned fraud. Your prompt attention to this matter would be greatly appreciated! Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Finance Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against XXXXXXXX XXXX URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of XXXXXXXX XXXX to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with XXXX XXXX In order to clear up the letters and correspondences I have hitherto sent to XXXX XXXX respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analysing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFTC has arisen as I do not consider, by any stretch of the imagination, the conduct of XXXXXXXX XXXX to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with XXXX XXXX, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFTC as well as their own internal policy and procedures sold to their clients. General Obligation : Commencing on or around XX/XX/XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXXXXXX XXXX account to the fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether XXXXXXXX XXXX did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of XXXX XXXX custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether XXXX XXXX promoted the transactions in question despite being aware of the nature of the transactions in question ( iv ) whether XXXX XXXX was in compliance with its own policies and procedures ; ( v ) whether XXXX Bank owed duties to myself, what the scope of those duties was, and whether XXXXXXXX XXXX did not uphold those duties ; ( vi ) whether Chase Banks conduct Page 2 of 5 XXXX XX/XX/XXXX was unfair ; and ( vii ) whether XXXX XXXX has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, XXXX XXXX must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that XXXX XXXX did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past. XXXXXXXX XXXX Position : They choose to completely ignore the dispute letters and have never informed me nor have they done the investigation. I no longer have a choice but to turn to you for help and justice. Refuting XXXXXXXX XXXX arguments from a purely logical perspective : While I am appreciative of XXXX responses thus far, I have to admit that, to me, they do not seem nearly sufficient. A bank of XXXX caliber, in my opinion, should provide its clients with thorough responses to their complaints. XXXX XXXX position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that common-sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint. In XXXX XXXX view, it is implied that we should not home in ( and consequently rely on ) unwritten laws, practicality, good judgment, reasonableness, sharpness, sensibleness, past outcomes, and insight when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible. Page 3 of 5 XXXX XXXX XXXX Imagine a view according to which the one and only thing that can make XXXXXXXX XXXX morally obligated to do something is having it written down somewhere. Pursuant to this view, if XXXX XXXX encounters the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as XXXX XXXX I have reviewed the material hereto sent by XXXXXXXX XXXX carefully, and it, unfortunately, provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind. It is perfectly obvious that XXXX XXXX, inadvertently, employs a subtle approach in addressing some of the key questions in a manner that neither provides me with adequate support nor protects anything other than its own interests. It is XXXX XXXX here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that XXXX XXXX adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is XXXX XXXX that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable and that my proposed degree of care is not, and has not been, commensurate with XXXX XXXX capacity, experience, expertise, or scope of services in any way. To re-emphasize, XXXX XXXX indisputable overriding purpose is by no means to purely execute transactions in a blind and blank fashion, but rather to strike a balance between executing those transactions and capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity. Apropos of the fluidity of the concept of reasonableness, all XXXXXXXX XXXXXXXX has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, have maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. XXXX XXXX is obliged to take some action if it is sufficiently aware of a real possibility that fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. There are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm. These recommendations are established as a general principle, the organization should deliver a service that : 1 ) Takes a proactive approach to minimizing risks, impact, and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. Regarding the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple chequebooks ; Page 4 of 5 XXXX XXXX XXXX b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. g. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. B ) organizations should have a process in place to ensure that staff makes contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud, and discuss an appropriate plan of action. XXXXXXXX XXXX is yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified. Rather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development, and sustainability XXXX XXXX adopts a rather insouciant attitude toward my financial predicament portrayed herein. I am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by XXXX XXXX in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status quo that is corrupting our society at its core. Conclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forwardthinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. Page 5 of 5 XXXX XX/XX/XXXX Astonishingly, I am pondering how it is that, despite being shown that XXXXXXXX XXXX business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. XXXX XXXX non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. If it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that XXXX XXXX pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. In summary, I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you. XXXX XXXX XXXX XXXX | ||||||
| 03/17/2023 | Yes |
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| On the morning of XX/XX/XXXX at XXXX XXXX XXXX, I received a text message from the number XXXX that stated " Chase Bank alert - Did You Attempt to make a payment in the Amount of {$3500.00}? Reply YES or 1 to authorize ; Reply NO or 2 To Decline transaction. '' I responded NO and received the response " Thank you for confirmation transaction declined case ID # XXXX. '' As I was contacting Chase Bank at XXXX XXXX, I received an incoming phone call from the same number at XXXX XXXX I was calling for customer service ( XXXX ) so I answered. The gentleman # 1 said his name was XXXX and that he needed to verify my Chase account because there were wire transfers by XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I told him I did not authorized any of the transfers. He verified my information, and even had an OTP code sent to my phone so we could talk further about my account. He also asked for my address and birthdate ( which is what Chase generally asks for to verify my account when I bank over the phone. ) From there, he alerted me my savings account was compromised and recommended that I transfer all my savings into my checking account. I told him I was not sure this was a valid call and asked to be transferred to a supervisor. He said he would transfer me to a supervisor at we got disconnected, so I called the Chase customer service number back at XXXX XXXX, only to receive a phone call from that same number at XXXX XXXX. I was connected with gentleman # XXXX, at which point I said I'd like to call back to Chase. He said this is an urgent matter and we need to work quickly as these transfers are scheduled to go through within the next 10 minutes. He walked me through what he explained was a reversal by processing a Wire Transfer and typing REVERSAL into the message field. I sent the first one to XXXX XXXX in XXXX, AL at approximately XXXX XXXX for {$3500.00}. He said typing reversal is so that the fraud department can flag the wire transfer and stop it from going through. As soon as I hit send, at XXXX XXXX, I received a call from XXXX. I put the first person on hold and answered the call, ( which I believe was the actual Chase bank calling to verify the funds transfer ). I told him I was already talking to someone from Chase about reversing the wire transfers and he told me to go ahead and hang up with gentleman # XXXX and to talk to him instead. I went back over to gentleman # XXXX and he told me that this was a known scamming number and to give him the number that was calling me. I believe gentleman # XXXX ( or possibly someone else ) then contacted my bank and posed as me to validate the wire transfer. ( I was given confirmation of this later by Chase bank ). He said he needed to transfer me to another gentleman with higher authorization because a wire transfer for over {$10000.00} was coming through. Gentleman # XXXX worked quickly to give me more information and instruction on processing what I thought was another reversal to another bank ( XXXX XXXX in XXXX, FL ). I received another call from the XXXX number but ignored it as they'd let me know this was a scamming number. I NEVER AUTHORIZED ANY OF THE TRANSACTIONS THAT CAME THROUGH. The gentlemen that I was speaking to contacted Chase to verify and approve the transactions. He walked me through 2 more transactions, one for {$13000.00} and one for {$4500.00} before transferring me to another gentleman. ( With every transfer, each person I spoke to, I could hear what sounded like a chirping smoke detector in the background. ) This next guy said he needed to verify my account so asked me to enter my debit card number, expiration date and CVV. I said I didn't feel comfortable saying it so he had me enter it into the IVR. That didn't register for him so he " reset his IVR '' and asked that I enter my debit card number and pin. He then said I needed to enter my existing credit card number that I had with Chase and I said I didn't think I needed to do that. I asked if maybe I should cancel both debit cards for me and my husband and get new ones. He read me the exact same disclosure about getting a new debit card that I have received from Chase, confirmed my mailing address and said I would get them in 24-48 hours. He also said he would like to follow up on XX/XX/XXXX with a phone call at XXXX to verify that the funds have returned to my account. I said that was okay and we ended the call at XXXX XXXX. I immediately called Chase back at XXXX and spoke to a customer service representative, letting them know that I was just scammed and that I needed them to check to see if the wire transfers showing as pending on my account were being reversed. I was told that they were initiated and were not reversed and that no one from Chase called me except to get authorization for the charges. This rep confirmed that they did receive a call from me to confirm the charges ( which is NOT a call that I made at all, and is why I believe the scammers used my information to call and approve the wire transfers. ) I told her it was imperative that these wire transfers get canceled or recalled and that I needed to escalate this immediately. While I was on the phone, attempting to recall the wire transfers, I received FOUR emails from Chase stating that my wire transfers were sent, as requested ( received at XXXX for transaction # XXXX, at XXXX for transaction # XXXX, at XXXX for transaction # XXXX, and at XXXX for transaction # XXXX. ) I was then put me on hold to prepare to transfer me and at XXXX, I received another text message from XXXX that stated Chase bank Alert A debit card pre-authorization hold of {$250.00} was added to account ****. Reply YES If valid, Fraud Reply NO, ; I did not respond to this text message. I was then transferred me someone else who verified my account and again told me that I initiated the wire transfers. I explained that I did, thinking that I was speaking to an actual Chase Bank representative but that I needed them to immediately recall ALL FOUR of those wire transfers. He said that he was filing a claim for a wire recall. I ended that call at XXXX XXXX. One hour later, not sure of what the resolution was going to be, I contacted Chase customer service again and got instruction that I needed to send a secure message through my online portal in order to initiate a wire recall and that no wire recall notes existed in my account at that point. Frustrated, I asked to speak to a supervisor who again told me that I initiated the wires so it is not considered fraud but that I will just have to wait 1 to 2 days to hear if they were successful in recalling the wire transfers. I have spoken to a total of 9 representatives at different departments by the end of XX/XX/XXXX, including one Virtual Banking Assistant named XXXX XXXX and none of them could give me a definitive answer as to whether this was being handled, if someone was working on it, or if there were any additional levels of security to protect my account since the entire account had been compromised in the last 24 hours. On XX/XX/XXXX at XXXX XXXX XXXX, I contacted the Chase claims department and obtained my claim # XXXX. I spoke to XXXX who told me that she does see an existing claim for a wire recall. I asked how I can find out the status of the claim and she said I would need to wait for a message to appear in my secure message center or for the funds to appear back in my account. At XXXX that same morning the scammers called me back ( from the cloned Chase customer service number ) to verify that the funds had been recovered to my account. I hung up and immediately called Chase and spoke to a customer service rep. I confirmed that a claim had been started for the 4 wire transfers that were fraudulent and asked if I could report someone impersonating Chase to gain information about their customers. She stated that they dont have a department that handles that and that they do not have control over scammers. On XX/XX/XXXX at XXXX XXXX I called and spoke to someone in the Chase Claims department about my claims and obtained confirmation that the wire recalls were going through and that the Wire Research Team would reach out to me on the secure message center with more information. I called back to the Claims department at XXXX inquiring about more detail about what I could do to ensure the wire recalls were being processed. That rep said they couldnt help me with wire transfers and so I asked to speak to a supervisor and at XXXX, I was transferred to a supervisor named XXXX XXXX I explained my situation to him and HE transferred me to a wire expert named XXXX, who was actually in the claims escalation department. She said that Wire Research team was working on my claims. Friday XX/XX/XXXX at XXXX, I called the Claims department after receiving secure messages referencing the FOUR totally separate claims ( for my ONE account ) with FOUR different reference codes. ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ) I was given instruction in the messages for the largest transfer to XXXX XXXX for {$13000.00}, to PLS SEND LETTER OF INDEMNITY TO WIRE-XXXX. I spoke to XXXX who said there were no updates. I asked to speak to a supervisor and she transferred me to XXXX who I explained my situation to and he said he needed to transfer me to the Money Movement Department. I spoke to XXXX in the department and she immediately started direct messaging with the Wire Research Team. I was advised that the Wire Research Team could not be reached by phone, only by secure message or message from someone in the Money Movement Department. She gave me that number ( XXXX ) She confirmed that a claim has been filed ( # XXXX ) and that the wire recalls were confirmed to be sent on XX/XX/XXXX ( one day after I called to report and request recalls ). She asked the Wire Research team to clarify what was communicated to me in the secure message : What is the Letter of Indemnity and who is this letter between, if I am sending it to the receiving bank? She said it is between me and the receiving bank. Monday XX/XX/XXXX : Called the number I was given for the Electronic Money Movement Department at XXXX to speak to someone who could send messages to the Wire Research Team . Spoke to XXXX who said that no one in this department could message with the wire research team. XX/XX/XXXX : I received two secure messages from the Wire Research team that stated that in order for my question to be answered about the Hold Harmless letter I needed to send to the recipient bank ( of which I only received the email address for XXXX bank and not the other bank that 3 of the 4 wires were sent to and not XXXX where they were sent ) I needed to contact the Claims Department. I called the Chase Claims Department and asked my question and the person had no idea so I asked to speak to a supervisor. I spoke to someone name XXXX who stated that We are not able to pursue recovery for your wire recall and that I needed to work with the recipient bank. I asked if she could then message with the XXXX XXXX team to obtain MORE information about this decision and if it included not just the {$13000.00} wire, but the {$3500.00}, {$4500.00} and {$3500.00} other wires that were sent on my account. She said she had NO WAY TO MESSAGE WITH THEM. I told her how frustrated this made me because I have been contacting them every day for status updates and for CLEAR instruction on how to proceed and what I can do and have gotten nowhere. She stated that there are gaps in our departments and that we are not equipped to handle these things and that feedback has been sent on these things, maam. I asked her to clarify what things were being provided feedback on and she said your case. I asked what that meant and she just said unfortunately we are not able to pursue this wire recall any longer. I told her that I have already contacted the FBI, my local law enforcement, the FTC, the attorney general and am talking to the media about this. XX/XX/XXXX : Called Claims dept and spoke to XXXX. I asked if this crime had been reported to the IRS under the Bank Secrecy Act and she said she didnt know what that was so I asked to speak to a supervisor. I was transferred to XXXX, a Claims Supervisor, who stated this is not considered a crime or fraud because you were scammed. Because of that, we wouldnt have any knowledge of whether this was reported to the government or not. I advised her that Ive spoken to a reporter and she said she needed to escalate me to the Executive Office. I asked if thats all I had to say to be escalated and that I had notified several reps before her that I was speaking to the media. She put me on hold to transfer me but I got disconnected before that went through. XX/XX/XXXX Spoke to XXXX in claims who confirmed that Chase is not pursuing recovery of my funds through wire recall. I asked if this was for ALL of the wire transfers that occurred ( all 4 ) or just the {$13000.00}. I was not informed via message center or by anyone other than on XX/XX/XXXX that recovery was halting. She said all the transfer recoveries were stopping. XX/XX/XXXX Met with XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her what happened and asked if she could find out if ALL the wire recoveries were ceasing or just the largest one. I also asked what the Letter of Indemnity was that I was told to send to the recipient bank in order to continue pursuing recovering the largest transfer of {$13000.00}. I gave her my Claim number as well as all 4 reference numbers for each of the wire transfer recalls. I also showed her a series of Secure Messages I received that I had printed out. She called the Claims Dept. and was told that she needed to direct message ( through a system called XXXX XXXX ) to the Wire Research Team. After speaking with them via chat, she was directed to talk to claims. She called back into claims, escalated to a supervisor who told her she needed to ask these questions to the Wire Research Team. XXXX advised me that the 3 transfers to XXXX Bank were still being pursued but that the other one was halted. She then showed me the Wire/ACH Escalation form that she submitted for all 4 of my fraudulent wire transfers. She advised me that a supervisor in the Executive Office would be contacting me and if they did not by Monday, to let her know and she would continue to help. She said she will be my point person going forward. I received a call from XXXX in the Executive Office Branch of Chase bank letting me know that someone named XXXX would be handling my case and calling me from XXXX ext. XXXX and that their hours are XXXX XXXX XXXX XXXX. My case is under review. I believe that the handling of this is flippant and negligent and I have no trust in my financial institution to work for my good. I do not believe that Chase appropriately and urgently requested a SWIFT Recall of the 4 wire transfers when I called in to request it ( as I was advised that they were not filed until one day after I called to have them recalled. ) I also did not give verbal authorization to Chase to process any of the wire transfers completed. The people committing this crime impersonated me, contacted Chase bank and authorized the wires to go through. Additionally, I have been advised that I need to send a Letter of Indemnity to the recipient bank of the largest transfer and was given an email address to XXXX XXXX that is not for clients or customers, but to be used by industry partners. I believe that Chase is trying to shirk responsibility of this process. I would like this to be resolved by receiving the amount of all FOUR fraudulent wire transfers back to my account in the total amount of {$25000.00}. FBI : Internet Crime Complaint Center : https : XXXX/complaint.ic3.gov/ Washington State Office of the Attorney General : https : //www.atg.wa.gov/file-complaint Federal Trade Commission : https : //reportfraud.ftc.gov/ # / FTC Report # XXXX Office of the Comptroller XXXX Currency : https : //helpwithmybank.gov/ Case XXXX Referred to file a complaint with the CFPB Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ XXXX Local Police Report XXXX XXXX XXXX XXXX Washington State Department of Financial Institutions : https : //dfi.wa.gov/ 1. https : //dfi.wa.gov/banks/faqs # federal-agencies | ||||||
| 06/03/2021 | Yes |
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| I am filing the instant complaint due to : ( 1 ) unequal mortgage refinance processing & underwriting practices by Chase, ( 2 ) discriminatory home appraisal by Chase and its contracted appraisers, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, ( 3 ) repeated refusals by Chase to correct my NJ homes unfair valuation as well as overt mistakes in its appraisal ( such as wrong square footage & selection of lower sales comparables ). As a result, Chase is conditioning refinance to my paying private mortgage insurance ( PMI ) expenses which otherwise I would not have to pay under the 80 % value rule of the Homeowners Protection Act, ( 4 ) repeated refusals by Chase to assign a fair lending officer to revise my entire application, as well as the appraisal with the unfair & erroneous valuation, ( 5 ) unjustly burdening me, as a non-appraiser client, with identifying adequate comparables after I provided Chase with 2 comparable links showing properties within my XXXX XXXX, ( 6 ) deviations from accepted lending industry practices by unjustifiably burdening me with unnecessary record productions, ( 7 ) unfair delays and obstructions in processing my refinance application all which amount to a constructive denial and discriminatory treatment ( Gilley v. JPMorgan Chase Bank, N.A., No. 12cv1774 AJB ( JMA ) ), and ( 8 ) violations to Conciliation 05-21-0635-8, https : //www.hud.gov/sites/dfiles/FHEO/documents/21Chase % 20Conciliation % 20Agreement_Redacted_Redacted.pdf I believe the PMI issues fall within CFPBs jurisdiction along with the unnecessary delays, constructive denial and other sex and national origin motivated actions taken by Chase with respect to my refinance application. Facts On XXXX XXXX, XXXX, I submitted a refinance application to Chase for property XXXX XXXX XXXX XXXX NJ. At such time, I reported having a {$140000.00} annual salary with approximately {$550000.00} in liquid assets ( XXXX retirement assets : around {$310000.00} ; XXXX stock securities {$140000.00} plus XXXX IRA {$46000.00} ; XXXX stock securities {$21000.00}, XXXX XXXX XXXX {$12000.00} checking & savings plus a {$10000.00} XXXX certificate ; and XXXX savings {$2900.00} ). I dont have a copy of the XX/XX/XXXX application & couldnt find it in my Chase account. Hence the estimation. Let me note that in XXXX, when I first acquired the NJ property, I had the exact same debt obligations as in XXXX ( except for the NJ mortgage ). In XXXX, in contrast, I had a reduced annual salary ( {$100000.00} ), a lower credit rating, and much less liquid and stock security assets. While then I was able to secure a {$360000.00} mortgage with a 5.125 % interest at 30 years, my XXXX attempt to refinance for a less amount ( {$350000.00} approximately, 2.875 % interest at 15 years ) has been unfruitful. Starting on XXXX XXXX, XXXX, I worked with Chase advisor XXXX XXXX on various actions, such as signing the IRS 4506C Request for Transcript of Tax Return, XXXX XXXX applications, the authorization to disclose forms, and performing other tasks ( finalized on XX/XX/XXXX ). Mr. XXXX, who is aware I am a hurricane disaster-displaced XXXX XXXX, also assisted me throughout XXXX with recording annual salary verifications, liquid and real estate assets, debt obligations, income taxes ( New Jersey, XXXX XXXX & federal ), rental income, and other aspects necessary for Chases underwriters to calculate my debt-to-income, assets/reserves, credits/liabilities, and assess other risk elements associated with my debt repayment capabilities. CFPB should obtain copies of all underwriter reports, financial analyses and notes ( generated between XX/XX/XXXX and XX/XX/XXXX, when Chase notified that its appraisers discriminatory & erroneous valuation would remain unchanged ). Throughout XXXX, various actions were initiated by Chase such as referring my property for appraisal valuation, assigning specialist XXXX XXXX to obtain additional tax returns and verifications of my XXXXbased property, including rental income, lease agreement, mortgage & mortgage insurance with XXXX XXXX, flood insurance and other actions. The mortgage statements for the XXXX XXXX ( XXXX ) property are particularly important. I dont have access to all the secure emails where I submitted these to Chase, after each of Chases repeated and excessive requests. Please note that I can only see received emails, and not sent messages, through Chases secure encrypted system. Despite all my efforts to fulfill Chases every demand, for over a 1 month timeframe I had to spend countless hours in sending an inordinate amount of emails & verification information through Chases email system, where I had to attach copies of XXXX XXXX mortgage statements and repeatedly explain that statement information ( such as loan numbers & mortgage obligations ) could be validated by cross-checking with federal and XXXX tax returns. Nonetheless, Chase specialists insisted that I submit, again and again, the exact same statements from XXXX XXXX which I had already submitted because they didnt want the NJ home address where I live ( & which is mortgaged with Chase ) to show up in XXXX property statements. Despite my repeated pleas to just move to closing & stop holding back the transaction, over 1 month Chase insisted I must produce these documents which do not exist & can not be generated. This was the first series of what would later devolve into overtly obstructionist patterns and practices by Chase to prevent closing my refinance application. The issue with the XXXX XXXX statements was eventually resolved after I escalated on XX/XX/XXXX via emails to the attention of specialists XXXX and XXXX XXXX. An XX/XX/XXXX phone call with specialist XXXX finally proved successful in settling this matter, in exact consistency with what I had been reporting to Chase for over a month. Let me also state that on XX/XX/XXXX, I provided Chase with verification of liquid assets which I stated I expected underwriters to include in my equity assets calculations. These accounts were described as totaling {$560000.00}, which exceeds the combined amounts of the refinance loan application and the money owed on the XXXX XXXX ( roughly {$70000.00} ). My XX/XX/XXXX email to Chase clarified that this meant that the XXXX XXXX & rental ( both which are current but the underwriters are fixated on for holding back this transaction ) play absolutely no role in my debt to income calculation. I expect the underwriters to be advised of this as well. 1. XXXX : {$320000.00}. XXXX : {$200000.00} 3. XXXX : {$28000.00}. Although specialist XXXX tried to discourage me from sending holdings verifications to Chases underwriters because it could lead to more questions, I later submitted relevant verifications via email proving to Chase that liquid assets in actuality exceeded {$600000.00}. I know I need not have done this, given the ratio between my annual income and debt responsibilities. I insisted however that my liquid assets be included & considered in Chases risk valuation, since by this time I was starting to fear that Chase would do everything within its power to stop the refinance of my home. After all, my sought refinance reduces Chases profit margin by thousands of dollars, with zeros and commas. Afterward, Chase continued to delay referring my refinance to close claiming, for example, incomplete tax returns. Please note that I had submitted tax returns in prior instances, such as in XXXX when I started to work with advisor XXXX. Additionally by XX/XX/XXXX, Chase had already obtained my signed IRS 4506C Request for Transcript of Tax Return and authorization to disclose forms. Had IRS tax information in actuality been so deficient & concerning, Chase could have paid a {$5.00} nominal fee to expedite my tax returns with the IRS, https : //www.irs.gov/individuals/international-taxpayers/income-verification-express-service. Chase did not however do this because its tax returns, PR mortgage and other asserted claims were simply a pre-text to prolong closing as much as possible. On XX/XX/XXXX, Chase asked me to produce updated pay stubs, proof of IRS tax payment for XXXX and further advised that my NJ property had been valued at {$400000.00} ( this falls several dollars short of the 80 % value calculation for PMI ). I was shocked by the proof of IRS tax payment request. This is not required by XXXX XXXX underwriting guidelines, especially with a borrower such as I who has never had any lien or wage garnishment, and whose credit history, as per a Chase XX/XX/XXXX email, placed me in Chases XXXX XXXX from XX/XX/XXXX XX/XX/XXXX. In other words, this was just another of Chases arbitrary requests lacking any factual, regulatory, statutory or rational foundation. Also, I was astounded by Chases XXXX XXXX statement that my home had been valued by its appraiser at {$400000.00}. I periodically monitor property sales in my XXXX community, so I instantly knew that mistakes must have been made by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, who deem Chase, and not I, to be their client ( as is customary by appraisers in the USA who regard lenders, not homeowners, as their clients ). On XX/XX/XXXX, I advised specialists XXXX and XXXX XXXX of this and furnished information on 4 recent comparable sales within XXXX. On XX/XX/XXXX, I was provided with a copy of the appraisal. On XX/XX/XXXX, I sent a lengthy message to Chase explaining the various ways in which its appraiser had inaccurately reported improvements, home features & amenities ; used wrong comparables outside the XXXX XXXX with lower sales price ; & had inaccurately calculated value-determinative features, such as square footage ( which plays a critical role in calculating gross living area & reaching a home value determination ). I provided a link with comparable XXXX sales, showing model types, square footage and other appraisal relevant information. I further reported discriminatory statements which the appraiser had made during my homes walk-through inspection ( gender stereotyping/cultural sex-based types of expressions about living alone with no children in a big house, which violate 24 CFR 100.135 ( b ) ). I also warned that there were probably many other vulnerable & less privileged people who were being treated in the same way as I was, or possibly even worse, and that Chase had an obligation to ensure that homes are fairly valued, and that the most recent & truly comparable properties are used when appraising. On XX/XX/XXXX, specialist XXXX asked me to advise which 3 of the 4 comparables I had provided Chase should be used for my appraisal dispute while cautioning that, if the dispute was approved, additional costs would be added to my loan. Chases attempt to increase my costs as a condition for producing a fair valuation directly violates 24 CFR 100.135 ( d ). On XX/XX/XXXX, I was sent a follow up email by Chase, which I responded on XX/XX/XXXX. My XX/XX/XXXX response stated that I wanted my entire application, not only the appraisal, to be escalated and subject to a full review. This email stated : I expect a fair lending officer to review my entire application and an adequately credentialed appraiser to reassess my home including but not be limited to rectifying the diminution of gross living area by Chases appraiser, identifying properties which are accurately comparable and satisfactorily performing other valuation responsibilities which fall on appraisers, and not clients as I. I know Chase has a historical pattern & practice of unfairly treating lender customers, https : //www.forbes.com/sites/brendarichardson/2021/03/08/hud-reaches-agreement-with-jpmorgan-chase-resolving-claims-of-race-discrimination-in-appraisals/? sh=d0ed3375bb50. I hope this matter can be adequately resolved and that I can close the refinance within 3 weeks, without having to seek recourse elsewhere such as by having to file complaints with HUD, the CFPB and other enforcement authorities. On XX/XX/XXXX, I was advised that my application had been escalated to an escalation specialist. I later learned during a XX/XX/XXXX phone call ( XXXX ) that such persons name is XXXX XXXX and that, as of XX/XX/XXXX, no fair lending officer had been assigned by Chase. During the call with specialist XXXX, I emphasized that my request was not only aimed at disputing Chases unfair appraisal, but also the artificial administrative hurdles that my refinance application had been unfairly subjected to during underwriting in a discriminatory effort to block it from closing. Therefore, I expected a full review by a fair lending expert. After the XX/XX/XXXX phone call, I also sent an email to advisor XXXX stating : I have been trying to move forward with my application for 3 months now and have been subjected to every possible artificial administrative hurdle to discourage me from refinancing and not allow me to move to closing. I have suffered every possible obstacle & indignity : from having to prove that I have paid IRS taxes despite my clean record & credit history, to refusals to include liquid asset verifications to months-long repeated requests demanding proof that my XXXX XXXX with the XXXX property is unrelated to my Chase financed NJ property to now having an appraisal with serious & vital deficiencies such as inaccurate gross living area calculations which inevitably resulted in an undervaluation of my home. If this transaction doesnt close within the next couple of weeks in a manner that is fair & consistent with anti-discrimination laws I will file complaints with HUD, CFPB and numerous other entities. I even asked over a week ago for Chase to assign a fair housing officer to revise my entire file & communication exchanges with Chase officer and as of this date that has not happened. This email closed off by saying : Whatever you need me to do, I will do solely because I want to move on with my life & I cant continue spending more time proving irrelevant minutiae to Chases underwriters. But frankly I dont see what else I need to do to prove to Chase that my loan to assets, debt to income and other relevant indicators show that a substantially minimum risk is associated with closing my refinance application. On XX/XX/XXXX, during a XXXX XXXX phone call with advisor XXXX ( XXXX ), I was advised that my appraisal dispute had been unsuccessful so the valuation would remain the same. I explained not being surprised since, under such processes, valuations typically remain unchanged and actual discrimination issues, as the ones I had been experiencing since after advisor XXXX stopped servicing me, were usually never addressed. I expressed my frustration that, despite various requests, a fair lending officer had never been assigned by Chase to review my entire application, as well as the appraisal. I also stated numerous times that I would proceed to file discrimination complaints and I expected Chase to not close my refinance application which it had been constructively denying all this time. Due to the foregoing, I am submitting the instant complaint which shows discrimination based on sex & national origin ( XXXX XXXX ), as well as violations to the Homeowners Protection Act, Equal Credit Opportunity Act, federal Fair Housing Act and other applicable consumer protection statutes. Inevitably certain Chase personnel is named in the above narration. Be advised that the unfair lending, underwriting & appraisal problems I experienced in actuality point to a Chase-wide institutional problem of deeply embedded, wide-spread discrimination that is being perpetuated through Chases restrictive and oppressive lending practices. As such, customer service employees have no choice but to perpetuate Chases discriminatory interests throughout the nation. Individual staff persons can in no way be blamed for the sweeping predatory lending, underwriting & refinance practices which has taken decades for Chase to develop and perfect, at the expense of fair housing minorities. XXXX XXXX, dated XX/XX/XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX Email : XXXX XXXX | ||||||
| 08/16/2019 | Yes |
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| Hi : I applied and was approved for a co-branded XXXX XXXX XXXX Card from Chase on XX/XX/2019. According to their terms & conditions, I was to receive XXXX XXXX XXXX XXXX within 60 days of account opening to my XXXX XXXX XXXX. ( please see the paragraph from the terms & conditions below ) I contacted Chase customer service department and was told by their representatives, supervisors and managers that I would not qualify for that benefit due to their erroneous interpretation of their terms. The matter was escalated to their Executive Offices. The team lead " XXXX '', who after her research, assured me that her customer service department and her own team members did not interpret their own terms correctly and I would receive the XXXX XXXX XXXX XXXX within 60 days of account opening which would have been XX/XX/2019. As we are more than 1 month past that date, I've left 3 messages for XXXX without any response. I have stayed at XXXX XXXX during the last month and missed out on the additional benefits of a Platinum member because I didn't not get those XXXX XXXX XXXX. Anything assistance you can offer to help me secure those credits promised by their terms would be much appreciated. Additionally, there seems to be a pervasive misunderstanding of their own promotional terms within their entire team. Thank you. Earn XXXX Bonus Points : Eligibility for this product : The product is not available to either : current cardmembers of the XXXX XXXX Premier credit card ( also known as XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX credit card ( also known as XXXX XXXX Premier Plus ), XXXX XXXX XXXX credit card, or previous cardmembers of the XXXX XXXX Premier credit card ( also known as XXXX XXXX Premier ), XXXX XXXX XXXX credit card ( also known as XXXX XXXX Premier Plus ), or XXXX XXXX XXXX credit card, who received a new cardmember bonus within the last 24 months. If you are an existing XXXX XXXX Premier or XXXX XXXX Premier customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. Eligibility for the new cardmember bonus : The bonus is not available to you if you : are a current cardmember, or were a previous cardmember within the last 30 days, of XXXX XXXX XXXX XXXX XXXX ( also known as The XXXX XXXX XXXX Credit Card from XXXX XXXX ) ; are a current or previous cardmember of either XXXX XXXX XXXX XXXX XXXX Card ( also known as The XXXX XXXX XXXX XXXX Credit Card from XXXX XXXX ) or XXXX XXXX XXXX XXXX XXXX Card ( also known as the XXXX XXXX XXXX XXXX XXXX XXXX Card ), and received a new cardmember bonus or upgrade bonus in the last 24 months ; or applied and were approved for XXXX XXXX XXXX XXXX XXXX Card ( also known as The XXXX XXXX XXXX XXXX Credit Card from XXXX XXXX ) or XXXX XXXX XXXX XXXX XXXX XXXX ( also known as the XXXX XXXX XXXX XXXX XXXX XXXX Card ) within the last 90 days. New cardmember bonus : To qualify and receive your bonus, you must make Purchases totaling {$3000.00} or more during the first 3 months from account opening. ( " Purchases '' do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow up to 8 weeks for bonus points to post to your XXXX XXXX account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If your account is not open for at least 6 months, XXXX and Chase reserve the right to deduct the bonus points from your XXXX XXXX account. Earning Bonus Points : Rewards Program Agreement : For more information about the XXXX XXXX XXXX card rewards program, view the latest opens in a same windowRewards Program Agreement. We will mail your Rewards Program Agreement once your card account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to opens in a same XXXX. How you can earn points : You'll earn points when you, or an authorized user, use a XXXX XXXX credit card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions won't count and won't earn points : balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 6 points ( 6X points ) : You'll earn 6 points for each {$1.00} spent on qualifying purchases made at participating XXXX XXXX locations. Go to opens XXXX XXXX for a list of participating XXXX XXXX locations. You will only receive the accelerated earn of 6 points for each {$1.00} spent from the credit card program. Additional points received under the XXXX XXXX program for stays at participating XXXX XXXX locations will be earned in accordance with the terms and conditions of the XXXX XXXX program. XXXX is responsible for ensuring all participating properties are correctly reported to Chase for cardmember earn on XXXX XXXX purchases. 2 points ( " 2X points '' ) : You'll earn 2 points for each {$1.00} spent on all other purchases. Information about earning/transferring points to XXXX XXXX : Points earned during a billing cycle will be automatically transferred to XXXX XXXX after the end of each billing cycle. Points expiration : The points transferred to your XXXX XXXX account won't expire as long as there is card earning activity or other qualifying earning or redemption activity every 24 months. If your card account is closed, you'll lose the points in your XXXX XXXX account if you don't have any other qualifying earning or redemption activity every 24 months. For details on this points expiration policy, visit opens XXXX XXXX. Losing points : You'll immediately lose all points that haven't been transferred to XXXX XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. All XXXX XXXX terms and conditions apply, available at XXXX XXXX. Points Don't Expire Program Requirements Your points will not expire as long as you remain an active member in the XXXX XXXX Program. You remain active by doing one or more of the following during any 24-month period : ( a ) have an eligible stay at a participating property ; ( b ) earn XXXX XXXX Points by using a XXXX XXXX Visa Credit Card for purchases ( note that paying the credit card annual membership fee is not considered purchase activity ) ; or ( c ) otherwise earn XXXX XXXX Points or miles in accordance with the XXXX XXXX Program terms and conditions. Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions won't count and won't earn points : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. If you do not remain an active member, then XXXX XXXXy reserves the right, in its sole discretion, to close your XXXX XXXX account without notice to you. In the event your XXXX XXXXXXXX account is closed, all unredeemed points in your XXXX XXXX account will be forfeited. Free Night Award : Please allow up to 8 weeks from your account anniversary date for your Anniversary Free Night Award E-Certificate to be automatically deposited in to your XXXX XXXX Account. Account anniversary date is the date that is twelve months after your account open date, and the same date each twelve months thereafter. Your Anniversary Free Night Award is valid for a one night hotel stay at a property with a redemption level up to 35,000 points. You are responsible for all incidental charges such as parking fees, and payment of mandatory resort fees at properties where resort fees are charged. For the list of participating hotels where you can redeem the 35,000 points, log on to XXXX XXXX or call the XXXX XXXX number on the back of your card. Your e-certificate may not be combined with cash or other XXXX XXXX points when redeeming for your free night, and may not be transferred, extended beyond expiration date, or re-credited for points. Each Anniversary Free Night Award issued will have an expiration of 12 months. To qualify for the Anniversary Free Night Award, your account must be open and not in default on your account anniversary date. Offer and Anniversary Free Night rules and regulations are subject to change. Chase is not responsible for offer fulfillment. Annual fee applies. For pricing details, please see Pricing & Terms opens in a same window. Redeeming Points for Free Nights : The number of XXXX XXXX points needed for a standard Free Night Award starts at 7,500 points. Refer to XXXX XXXX for all reward redemption values. Automatic XXXX XXXX Status : You will automatically receive XXXX XXXX Status each account anniversary year as a cardmember ( Account anniversary year means the year beginning with account open date through the anniversary of your account open date, and each 12 months after that ). Please allow up to 8 weeks from account open date for your initial XXXX XXXX Status award to be applied to your XXXX XXXX account. To qualify for and maintain XXXX XXXX Status your account must be open and not in default. If you do not qualify for XXXX XXXX status as a cardmember, in order to receive XXXX XXXX benefits you must qualify for XXXX XXXX Status under the terms of the XXXX XXXX program. Only one XXXX XXXX Credit Card account per XXXX XXXX member ( XXXX XXXX member must be the primary cardmember on that account ), is eligible for the XXXX XXXX Status award. JPMorgan Chase Bank, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the XXXX XXXX benefits and services. XXXX XXXX XXXX Status : Each Account Anniversary Year you make purchases totaling {$35000.00} or more you will qualify for XXXX XXXX Status through XX/XX/XXXX of the following year. ( " Account Anniversary Year '' means the year beginning with your account open date through the first statement after the anniversary of your account open date, and each twelve billing cycles thereafter. ) Purchases are when you, or an authorized user, use the card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count and wont earn points : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Please allow up to 8 weeks after qualifying for the XXXX XXXX Status award to be applied to your XXXX XXXX account. To qualify for and maintain XXXX XXXX Status your account must be open and not in default. If you do not qualify for this bonus offer, in order to receive XXXX XXXX benefits you must qualify for XXXX XXXX Status under the terms of the XXXX XXXX program. Only one XXXX XXXX XXXX Credit Card account per XXXX XXXX member ( XXXX XXXXy member must be the primary cardmember on that account ) is eligible for the XXXX XXXX Status award. JPMorgan Chase Bank, N.A. is not responsible for offer fulfillment or the provision of or failure to provide the XXXX XXXX benefits and services. XXXX XXXX XXXXt Credits : Upon opening your Card Account, a maximum of XXXX XXXX XXXX credits will be credited to your XXXX XXXX member account within 60 days. On or before XX/XX/XXXX of each subsequent calendar year, a maximum of XXXX XXXX XXXX credits will be credited to your XXXX XXXX member account operated by XXXX XXXX , XXXX. in accordance with XXXX XXXX terms and conditions. To be eligible to receive the XXXX XXXX XXXX credits with this Card, you must be the primary cardmember, your Card Account must be open as of XX/XX/XXXX of the prior year, and you must have an active XXXX XXXX member account linked to your credit card account. This benefit is not exclusive to credit cards offered by Chase. A maximum of XXXX XXXX XXXX credits will be awarded through this benefit per XXXX XXXX program member account even if the member has more than one Credit Card linked to their XXXX XXXX account. When your XXXX XXXX member accounts are merged, if both accounts have received XXXX XXXX XXXX credits, only one XXXX XXXX XXXX Credit will remain. Separate promotional offers of XXXX XXXX credits will not count towards this per-account maximum but may have their own limits, see promotional terms at time of offer. Chase is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and services. Premium On-property Internet Access : For primary cardmembers only, available at Participating XXXX XXXX hotels. For details, see XXXX XXXX. Chase is not responsible for offer fulfillment. Concierge Service : Cardmembers are responsible for the cost of any goods or services purchased through XXXX XXXX XXXX. XXXX XXXX Credit Cards are available to US residents that have a valid permanent home address within the 50 United States or the District of Columbia only. You agree that when you apply for a XXXX XXXX credit card and for as long as you maintain an open account, your relationship with JPMorgan Chase Bank, N.A. Member FDIC, or other credit card issuers of XXXX XXXX , XXXX. may be disclosed to other XXXX XXXX credit card issuers. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of XXXX, XXXX. XXXX XXXX PROGRAM INFORMATION Points accrued and awards issued are subject to the terms and conditions of the XXXX XXXX program. Refer to XXXX XXXX for complete terms and conditions of the XXXX XXXX program, including all redemption values. Terms and conditions of the XXXX XXXX program may be modified and services and benefits may be added or deleted at any time without notice to Cardmembers. Individuals whose request for a credit card are not approved will not be enrolled in the XXXX XXXX program through this offer, although existing XXXX XXXX memberships will not be affected. Additional authorized users will not be enrolled in the XXXX XXXX program as a result of this offer. XXXX XXXX points awarded through the use of the authorized users card will only be credited to the Primary Cardmembers XXXX XXXX account. Associates of XXXX XXXX , XXXX. and its subsidiaries will only receive the accelerated earn of 6 points for each dollar spent at participating hotels from the credit card program and will not receive additional points under the XXXX XXXX Program for stays at participating XXXX XXXX locations. Accounts subject to credit approval. Restrictions and limitations apply. XXXX XXXX XXXX credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change. | ||||||
| 06/16/2022 | Yes |
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| On XXXX, XXXX I opened a Chase College Checking account. On XX/XX/XXXX I deposited 8 checks into the account. The total was {$6700.00}. Six of the checks were from XXXX XXXX XXXX, a XXXX that I work at this year. One was from XXXX XXXX XXXX because I worked at their XXXX XXXX in the summer. One of the checks was from XXXX College because they were granted federal stimulus money which they distributed to their students. Sometime later I received a letter in the mail that was dates for XX/XX/XXXX stating that my account was being blocked. It also said If we close the account well confirm your final deposits and payments. If there is a remaining balance, well mail you a check. Right away, I called the phone number that I found at the top of the letter ( XXXX XXXX ) to find out what was going on. I was told by the representative that my account has been marked for closure because there was an issue with one of the checks that I deposited in the amount of {$1800.00}, she told me that since it is a new account, if anything goes wrong they close it right away and there is no way for me to keep the account. The representative was unable to explain to me what was wrong with the check. I asked her what I can do now and she told me that I have two options, either I can go to a Chase bank and withdraw all the funds or I can wait for the issue to be cleared and Chase will send me a check in the mail for the full amount that was in the account. Being that I did not have time and did not want to carry around so much money, I decided to wait for the check. A few days later I received a statement from Chase showing that all the checks that I deposited including the ones for {$1800.00} went through. I thought that because the statement showed that all the checks went through, the problem was solved and there was therefore no reason to close the account. I called Chase again to find out if I can keep my account open. I was told that once an account is marked for closure, it can not be reopened. The representative also said that in order for them to release the funds from the account, they would have to first verify all the checks by the maker to make sure they are legitimate. In the meantime, the funds were going to be on hold. This made no sense because apparently whatever the problem was that cased the account to be marked for closure was solved and there was no reason to close the account. Also, I never heard of having to do such a thing-to get confirmation from the issuer of the check before releasing it? On Friday XX/XX/XXXX I called again to find out what was going on with the account. I was on the phone with the Chase representative for 45 minutes while he was trying to receive verbal confirmation from the makers/issuers of the checks. He only managed to verify four out of eight of the checks. He told me that he was unable to get through to XXXX College, did not have a number for XXXX XXXX XXXX and was not able to get through to anyone at XXXX XXXX XXXX to confirm two of the checks that they issued me. The representative told me to call back another time with the missing information so the rest of the checks could be verified. I asked if I can get the funds from the checks that he was able to confirm but was told that I would have to wait until all the checks were verified for the funds to be released. The next week on Friday XX/XX/XXXX I called Chase again to finish verifying the checks. The representative started with the check from XXXX College. He asked me about the reason for the check and I explained that it was Covid stimulus money that I was granted form the college. XXXX was granted covid stimulus money from the government and they then distributed the money to their students. The representative than put me on hold while he called XXXX College. When he came back he said that they were unable to find me on the payroll at the college. Of course they did not find me on the payroll because it was not a paycheck, it was a covid stimulus checks that I got from the college. I was very frustrated and upset because I explained that to the representative before he called the College. The representative than told me that he cant help me anymore and I should call back at another time. Once again the representative was unable to get verification for the checks. On XX/XX/XXXX I received another statement in the mail that was dated XX/XX/XXXX through XX/XX/XXXX. The statement showed that all the money that was in the account has been withdrawn and the ending balance was {$0.00}. Under description it said Debit DDA-Check Charge, I was not sure what that meant. I was especially confused because the last thing that I was told was that the funds were on hold and would be released as soon as they received confirmation of issuance for the checks that were deposited. On Tuesday XX/XX/XXXX I called the bank to find out what was going on with my account. The representative told me that the account was closed on XX/XX/XXXX and all the funds were now in the possession of the bank. Once again I was told that in order to release the funds they would have to receive verbal confirmation from the maker of the check that they issued the checks to me. I explained to the representative that I have called Chase many times before and the representatives that I spoke to have tried to do just that but have all been unsuccessful. I asked him if there was any other way of getting verification for the checks but was told that the only way to verify the check was by getting verification from the maker. He said that this can be done in two ways either by a Chase representative calling the maker and getting the verbal confirmation over the phone or by having the maker of the check go into any chase branch and verifying the checks in person. This was ridiculous because a few different chase representatives already tried to get verbal confirmation over the phone and were unable to reach the makers. Also, it is not a reasonable request to ask of the issuer of a check to go down to a chase bank to give verbal confirmation for a check that they wrote. Who ever heard of having to do such a thing? I called Chase again on Friday XX/XX/XXXX. I was hoping that this would be the last time and they would finally be able to get the confirmation needed to release the funds. However this was not the case, the representative that I spoke to on that day was not very helpful. On Tuesday XX/XX/XXXX I reached out to XXXX XXXX XXXX to find out how Chase can reach them to get the verification for the checks that they issued to me. They told me that Chase can call them at ( XXXX ) XXXX ex : XXXX and they would be happy to give the verbal verification for the checks. I then called Chase again to try to finally get the funds released. I told the representative about what XXXX XXXX XXXX said but she told me that she cant call them because there is no way of knowing if their number is a valid number. The representative said that the number has to be officially linked to the business and if they dont see that the number is linked to the business, then they cant use that number to verify the checks. This was also the number that was written on the top of the check, but for some reason they refused to use that phone number to get the needed verification. The representative said that there was the same problem with the check that I received from XXXX XXXX XXXX, they were unable to call the number that they had because they said there is no way to know that the number is valid. I opened an account with Chase, trusting that my money would be safe with them and thinking that Chase is a trustworthy bank. Chase then closed my account without giving me a good explanation why they did so, they then tell me that I dont have to worry because I would receive a check in the mail for the full amount that was in my account and I would then be able to open a new account. Then they changed their mind and decided that they will not release the funds without first getting verbal verification for all the checks that were deposited. I then try, many times, to get the verification but Chase refuses to call the people that would be able to give the verification. I asked the representative if there was any other way that we could get confirmation for the checks because it would be impossible to get verbal confirmation if Chase would not call the people that issued the checks. She told me that the only other option is to come down to a Chase bank with the person that issued the check and they could give confirmation for the check in person. Again, this makes no sense and would be impossible to do. None of the issuers of the checks were going to do that for me and they should not have to. Also, I took a bunch of online XXXX at XXXX College which is located in XXXX, New York. How would I be able to go to a Chase bank with the person from the college that would be able to verify the checks? This was not a reasonable option and there was no way for me to do that. I explained this to the representative and she understood that it made no sense and was impossible however she said that this is the only option for me and there is nothing else she could do. So basically, there was no way for Chase to release the funds from my account that I entrusted with them. The most basic quality of a bank is that they should be trustworthy, how could this be considered trustworthy?! My father went to speak to a banker at the XXXX XXXX branch, where I opened my account. The banker told my father that he would look into it and see what he can do. My father gave him my phone number and he said that he would call me the next day. He never called. At this point I was advised to bring the case to a lawyer however ; I was hoping that I could resolve this on my own. On Wednesday, XX/XX/XXXX I went to the Bank where I opened my account ( XXXX XXXX branch in XXXX ). I thought that it might help if I would go down to the bank where I opened the account and speak to the bankers there. I spoke to a man named XXXX. He understood my issue and tried to help. He was on the phone with someone from Chase. When he got off the phone he told me that they were able to confirm four of the checks. He told me that for the remaining four, I should get a letter from each school stating that they issued the check to me. He said it should include the check number, the check amount, the reason for the check and that it was issued to me. He said that as soon as I have the letters I should bring them in and he would send it to the main Chase center. It would then take 24-48 hours for them to review it and I would then be issued a check for the full amount that was in my account. He printed a copy of the four checks that still needed verification so I can know which checks to get the verification letters for. One check was from XXXX College, one check was from XXXX XXXX XXXX, and two checks were from XXXX XXXX XXXX. The next day, on Thursday XX/XX/XXXX I called all three schools and explained to each one that I needed a letter of verification to confirm the checks that they issued to me. That day I got a letter for the checks that still needed verification. On Friday XX/XX/XXXX I went back to the bank with the letters of verification. I wanted to speak to the same man that I spoke to on Wednesday but was told that he does not come in on Friday so instead I spoke to a different banker named XXXX XXXX. I explained to him the issue that I was having and that I was told on Wednesday that I should bring letters of verification for the remaining checks. He called someone from Chase and spoke on the phone for a few minutes. He then made a copy of the letters that I brought in and gave me back the originals. He told me that the letters would be reviewed and I could stop in to the bank on the following Monday or Tuesday to find out how we would take it from there. The following Wednesday, XX/XX/XXXX I went back to the Bank. I spoke to the same banker as the week before, XXXX XXXX. He called someone from Chase to find out if the letters were reviewed yet. When he got off the phone, he told me that Chase would not accept the letters of verification and therefore would not be able to release the money that is rightfully mine. He told me that the only thing left for me to do was to come into a Chase bank with the owner of the business that issued the checks. The owner would have to present his ID as well as documents proving his ownership of the business and would have to give verbal confirmation for the checks. This is RIDICULOUS, which owner of a business- or in my case a school- is going to go down to a bank with such documents just to give verbal confirmation for checks that were issued to one of their employees/ students??? I already got letters from the schools and was told by a Chase banker who was speaking to a Chase representative that if I bring in letters from each of the schools it would be good enough to verify the checks and they would be able to release the funds. Why was Chase not accepting the letters as a means of verification if I was told by Chase to provide the letters in order to confirm the checks? The banker also thought this was ridiculous and it made no sense, but told me that there was nothing else he could do. Realizing that I was getting nowhere, I thanked him and left the bank very upset and frustrated. How could this be a trustworthy bank if they could just close my account without giving me a good explanation as to why, then promise to send me a check for the amount that was in the account, then demand that they need verbal verification/confirmation for all the checks that were deposited into the account, then when I try to get the verification needed before they release the funds they refuse to call the people that would be able to give the confirmation, then they tell me to get letters of verification from the schools that issued the checks and that would work to verify the checks and then after I called up each school and received the letters and brought them to the bank, they tell me that they can not accept those letters that they asked for and said would be able to provide verification for the checks. How could they take back their word like that, wasnt this a bank and arent banks supposed to be trustworthy, why would anyone deposit their money in a bank account if the bank could just take away the money. My father called the banker that he was in touch with earlier to see if he was able to help us figure out what to do next. The banker advised my father that we should file a complaint with Chases complaint department. He filed a complaint and told my father that I would be receiving a call from someone from the complaint department within the next few days. A few days later on XXXX XXXX I received a call from phone number ( XXXX ) XXXX XXXX, the caller said he was a chase representative from the complaint department and he was calling regarding my complaint. He just wanted to know if there were any updates since we filled the complaint and I told him that there were none. He told me that he would see what he could do and would get back to me within the next few days. He called again two days later on Thursday XX/XX/XXXX. He said that he reached out to the verification people and there was nothing else that he can do. He told me that I can call the verification people myself and speak to them directly. I took down the number that he gave me thinking that he was giving me the number to people that would be able to help me. After hanging up with him, I called the number that he gave me. It turns out that it was the same number that Ive been calling the whole time to try to get the verification and they were not able to help me. I tried everything possible to resolve the issue with Chase but have not been successful and I have yet to see my money. | ||||||
| 11/08/2018 | Yes |
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| I have had my Chase United Mileage Plus Credit Card for over two years. During a rough patch, I lived off the credit from that card, and although it was difficult I paid a huge price by way of interest. I never have made a late payment and have been fully accountable for what I owe Chase. Sometime around mid-XX/XX/2018, I received an offer from my Chase United MileagePlus Credit Card. The offer stated that, for a 3 % transaction fee, I would be given a year to pay off any balance transfers at 0 % interest, and after a year if the total of the transfers was not paid in full, I would pay all the accrued interest starting from the balance transfer authorization date. The offer claimed to be good for transfers through XX/XX/XXXX. Chase even sent me checks that I could use to make payments or, they suggested, I could write one to myself and deposit it into my checking account. I took Chase up on their offer and wrote myself a {$2000.00} check and deposited it via mobile deposit, to my XXXX XXXX checking account, on XX/XX/2018. On XX/XX/XXXX, just as I was leaving for a few days, I received a mobile fraud alert, from Chase, stating that an XXXX transaction for a {$0.00} authorization was made on the afternoon before, ( XX/XX/XXXX, at around XXXX XXXX ), to the aforementioned, Chase United Mileage Plus, that had offered me the promotion. Concerned, as I did not make an XXXX transaction, I immediately called the customer service number on the back of my card, to follow up on the alert. Although the card had not incurred charges, when I called to speak with the Chase Rep, on XX/XX/XXXX, she asked if I would like to cancel the card, as the authorization raised suspension that the card may be jeopardized. The Chase rep specifically asked about the {$2000.00} check that I had deposited to my XXXX XXXX checking account on the XXXX. I made it clear that the check for {$2000.00} was a valid transaction, and that I was depending on it, as I had already made transactions against the amount. I was told it would probably be best to cancel the card and get a new one, because my card had been jeopardized ; assured that the {$2000.00} in my XXXX XXXX checking account was secure, I agreed to cancel the card. When I returned home, on Saturday, XX/XX/XXXX, upon checking my email and noticing XXXX XXXX messages regarding overdraft and a returned check fees, because on XX/XX/XXXX, the very next day after being assured the {$2000.00} check was safely in my XXXX XXXX checking account, the {$2000.00} check did not clear. After a phone call to XXXX XXXX on, Saturday, XX/XX/XXXX, I discovered the reason that the check had not cleared was because Chase denied authorization. On XX/XX/XXXX, I made a call to Chase and spoke for 43 minutes, with a man who identified himself as XXXX, from XXXX, Missouri. For the next 43 minutes I explained that although a Chase Rep confirmed with me, on XX/XX/XXXX, that the check was legitimate and that she had assured me that the {$2000.00} would be transferred into my XXXX XXXX bank account, and did not tell me that a new credit card number would jeopardize the very vital {$2000.00} transaction, that it did not get transferred to my account. Further, I informed XXXX about the bounced rent check, the fees which, at the time, I thought totaled {$100.00}, and that it was urgent that Chase correct the situation in a timely manner, because their error had elevated my situation to crisis status. Additionally, I made a request at that time, for Chase to notify XXXX XXXX about what had taken place, on Chases end. XXXX explained that he had to release the {$2000.00} XXXX XXXX hold Chase had on my account before the transfer could be made. This confused me, as I am not sure why the hold remained if Chase would not authorize the transaction. He continued by saying that the release would be processed by, Monday, XX/XX/XXXX. XXXX asked and I confirmed that the XXXX XXXX account where I had attempted to deposit the {$2000.00} check, was the same account registered with Chase.com, and the account that I have used for all but a few payments to Chase, for over two years. Because XXXX XXXX and Chase accounts had already established a connection, XXXX explained that if I would call on Monday, XX/XX/XXXX, the {$2000.00} transfer to the XXXX XXXX account could easily be done over the phone with any Chase representative. Regarding the fees charged to my XXXX XXXX Checking account, when I offered to send proof of the charges, XXXX said it would not be necessary to send proof and the only thing he could do is credit my Chase account {$100.00}. I did not think this was acceptable, as the fees were from my checking account, and if I tried to access the fees Chase had caused, now I would have to pay at least 3 percent to do so. XXXX made it clear that crediting my Chase account {$100.00}, was the only way I would see any kind of reimbursement of the fees I suffered because of Chases poor customer service and misleading information. Further, although XXXX said he would see what he could do about notifying XXXX XXXX, he never made good on fulfilling my request. Still XXXX XXXX has heard nothing from Chase, nor has Chase offered me any documentation to give XXXX XXXX. With increasing anxiety, I could not wait to handle this on Monday, XX/XX/XXXX. Before I called Chase to make the transaction, I logged into my account. On XX/XX/XXXX, after logging into my account, I found that there was 1 external bank fee credit added to my Chase account, in the amount of {$5.00}. I called Chase and the first person I spoke with was XXXX. XXXX had XXXX notes and when she explained that it would take 3 -7 business days for the {$2000.00} transfer to show up at XXXX XXXX, I became frustrated and explained that I was told because the two accounts had already established a connection, that it would facilitate an easy transfer, just as I had been told, by XXXX on XX/XX/XXXX. I begged and pleaded for her to figure out a way to make this transfer happen that same day, as it was now dire and I was suffering from a financial domino effect. Before demanding to speak with her supervisor, I told her about the {$100.00} credit that XXXX had said he would make to my account, and that only one credit for {$5.00}, showed on my account activity. XXXX insisted that the {$100.00} had been credited to my account, on XX/XX/XXXX, she even went as far to tell me that two different transactions had taken place one for {$100.00} and one for {$5.00}. I told her she was not correct, as I was, at that very moment looking at my account activity online and the {$100.00} credit was not there. She swore that the money had been credited to my account. I also made the plea that Chase notify XXXX XXXX of the situation and she flat out refused to do so, saying that it would not be necessary. After arguing back and forth for a while, I finally asked to speak with another supervisor, hoping that someone would see that, because of this uniquely urgent situation, Chase might want to do the right thing after causing such overwhelming stress and financial jeopardy. I was transferred to XXXX XXXX. XXXX admitted that I had been given false or at least less than thorough information, by multiple Chasse representatives. Further he told me he could understand why I was so upset but made no effort to figure out a helpful way to expedite the {$2000.00} transfer in an urgent manner, and again told me it would take 3 to 7 business days before the money would be transferred into my XXXX XXXX account. Before ending the 1 hour and 35 minute phone call, XXXX said no reimbursement would be made until I offered proof that the fees had been deducted from my account, even after XXXX had told me that the money had been credited to my account. I was more than happy to supply XXXX with the information he requested and he said that after I supplied the information to verify my fees, he would have the money deposited to my XXXX XXXX checking account. I was more pleased with this, as I had felt disrespected when XXXX, on XX/XX/XXXX, told me the only way I could receive reimbursement was to be forced to apply the funds to my credit card. Furious, I asked XXXX to check the phone calls from XX/XX/XXXX and XX/XX/XXXX, to validate that over and over Chase had manipulated and misinformed me after jeopardizing my financial security. He said that he believed me, that the calls were recorded for training purposes to support future customer service practice, but would not be used to support my issues. Through tears, I pleaded with XXXX to tell me why it was ok to allow all of this to happen to mewhy had the Chase reps all lied to me. XXXX said he was sorry and that, it was not our intention to lie to you. Yesterday, XX/XX/XXXX, I logged on to Chase to find that a {$100.00} credit had been added to my Chase credit card account. I believe that Chase acted fraudulently by backdating this credit, as the activity states the account was credited on XX/XX/XXXX, it was not. Not only do I have a copy of the activity proving so, when I spoke with XXXX, today XX/XX/XXXX to let her know I planned on taking further action regarding the manner, she said that the {$100.00} was credited on XX/XX/XXXX. That Chase would do NOTHING to assist helping a customer in crisis made at their hand, but went to the trouble to commit fraud by backdating a {$100.00} credit to cover a lie that was told to me by their customer service representative, XXXX, that wouldnt have mattered anyway because XXXX XXXX gave his word that after sending the documents, proving the charged fees, the money would be transferred back over to my XXXX XXXX account. On XX/XX/XXXX, I sent in the XXXX XXXX documents that showed fee charges to prove where Chase had cost me significant damage, along with a lengthy letter describing the details of this matter, much like this letter I am sending you. A reply saying that they would respond within 14 business days is beyond borderlines abuse, in my opinion. Also, on XX/XX/XXXX, I checked the status of my balance transfer, it is not expected to take place until XX/XX/XXXX, which makes me wonder why on XX/XX/XXXX, XXXX went out of his way to explain the ease of getting the funds to XXXX XXXX, given the established connection between the two accounts. I dont believe anyone from Chase anymore. I would be foolish to do so. I believe that Chase should be guilty of fraud, regarding the backdated credit adjustment to my account. Their malicious behavior is a threat to all of their clients, as if they are willing to lie about something so insignificant, there is no telling how much people have truly suffered at their hand. I intend to follow through with legal action, if there is any that can be taken. A strange turn of events this morning, XX/XX/XXXX, where my wallet was stolen sometime after I had bought groceries at XXXX, with cash, and I was forced to cancel all of my credit cards. A fraudulent charge had been made to XXXX from the aforementioned Chase account. I called and reported the abuse. When XXXX XXXX said she would cancel my card and be sending me a new one I sobbed in terror, and told her that the {$2000.00} transfer would be jeopardized and I had basically already spent the money, and told her about the trauma I suffered, she assured me that she could make an adjustment to be sure that the transfer would go through. Of all the people I spoke to with Chase, she seemed to be the most understanding, thorough and accurate professional. She gave me her full name, told me that she would make an adjustment allowing the transfer to process and follow up, in the next 6 hours, via email. You would think this would give me peace, but it reveals that Chase could have made an adjustment to the original {$2000.00} transfer, which shows neglect, or incompetence, in addition to falsifying their statements on XX/XX/XXXX and XX/XX/XXXX, that because the credit card number had been changed, there was no way to make good on the {$2000.00} deposited to the XXXX XXXX XXXX account, XXXX said someone could have made an adjustment, but no one had. Where things are, at XX/XX/XXXX at XXXX XXXX 1. As of this morning, I had been charged {$150.00} in overdraft and NSF, as well as $ 300+ overdrawn with my XXXX XXXX bank account. 2. A visit to Chases website revealed that my transfer will take another 11 days, far more than 3 to 7, which both XXXX and XXXX had estimated 3. My {$1200.00} rent check written on the XXXX was denied, $ XXXX/day late fee every day after the XXXX ; and maybe NSF charge from my landlord 4. I Have been on a financial and emotional roller coaster due to misinformation from Chase customer service representatives who have not done anything to go out of their way to compensate or make up for their error, ( although I believe XXXX XXXX might have corrected this had I spoke to her on XX/XX/XXXX or XX/XX/XXXX ) 5. After desperate pleas of urgency and over 3 hours of phone conversations with reps, I asked that, and am awaiting : a. The {$2000.00} transfer be quickly expedited b. Someone from Chase contact XXXX XXXX to explain misunderstanding c. Concern for fees that might incur due to a - {$300.00} checking account balance 6. Wait overwhelmed with stress and fear that a reoccurring payment from my checking account may happen before Chase transfers the funds, thus resulting in further charges. ( This has already happened twice ) Chase Ethics 1. On XX/XX/XXXX, after I okd the {$2000.00} transfer with Chase, they still failed to authorize the transaction. As a financial institution, I would expect Chase to be able to meet their promotional promise. That Chase cant manage a transaction made on an established two year account, simply because there was a change on the credit card number brings into question either a. Competence, or b. unwillingness to go the extra mile after inconveniencing a customer that has shown good faith, with a has consistent payment history 2. On the XXXX, XXXX assured me that because the XXXX XXXX XXXX account had been established with Chase, via XXXX, and been a source for my Chase cc payments, the transfer could easily be completed and swiftly expedited, over the phone on Monday XX/XX/XXXX this was not accurate. 7. Chase has offered no documentation or attempt to call XXXX XXXX on my behalf, after I asked at least two of their reps to please do so 8. On Monday XX/XX/XXXX,, both XXXX and then XXXX said I had to wait 3 to 7 business days for the transfers eligibility to be confirmed, and that there was no possible way to get the funds to my account that day, on in an urgent manner. 9. XXXX had assured me that, even though I only saw a {$5.00} credit to my Chase account for the external bank fee, the {$100.00} had been credited to my Chase account on XX/XX/XXXX, ; when she transferred my call, XXXX made it clear that the money would be transferred to my XXXX XXXX account, only after I supplied proof of the fees that I had been charged. I am a reasonable person, I make mistakes, I understand others do as well and that things happen that were not meant to cause intentional harm. I dont take any of this personal, but the unprofessional way this was handled is unacceptable, unethical, and manipulative, and I dare say fraudulent. When I expressed urgency and asked why I was given inaccurate information, from Chase on 3 separate occasions, I was told that though I was justified for being angry, It was not our intention to lie. I would prefer that my financial intuitions intentionally did not lie to me, and I am shocked by the entitlement of Chase, and want to take any action available to hold them responsible for their poor customer service practice and aloof willingness to act fraudulently on such an insignificant matter. | ||||||
| 03/16/2018 | Yes |
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| XX/XX/XXXX ; We had a house fire. The home has a small mortgage balance of a little over {$17000.00}. Due to significant loss and complex claim, our Insurance adjuster suggested to simplify and streamline the process, issuing a check to my husband and myself and J.P.Morgan Chase, to payoff the mortgage. We agreed, phoned Chase and received a payoff quote via phone, followed up by a letter in the mail. My husband and I endorsed the check, payable to us and J. P. Morgan Chase. I mailed the check Priority Mail, exactly as per Chase 's instructions along with a copy of the payoff letter. On XX/XX/XXXX, I received via mail a past due notice for the XX/XX/XXXX, mortgage payment. I phoned J. P. Morgan Chase Mortgage Department, explaining the situation and asking the reason for the past due notice. I was told that it takes time to process a payoff and not to be concerned, it just had not had time to go through. XX/XX/XXXX, I receive notice that I am 2 months past due on my payments. This was the first of 40 phone calls that I placed to Chase. First, every time I called I was met with the call center recording that I am past due and they are trying to collect a debt and the call is being recorded. I was stuck in a loop of " let me check and someone will call you back '', finally after numerous unreturned calls and my calling them back and starting again in the loop, I reached a supervisor that informed me there was no record of a payoff package being received by Chase. I explained that I had copies of everything, including the USPS receipt indicated that it had been delivered to Chase on XX/XX/XXXX. At that point, they asked that I fax copies of the package. This was followed by a call that this was an insurance claim and I needed to be speaking to the Chase Insurance Department, not the Mortgage Company. I explained an insurance claim was not made and that a check was issued and sent to the mortgage company. They transferred me to the Insurance Department anyways and of course, that Dept. indicated they did not have an open claim on the property or account. And I was given a phone number to call and guess what - I am back to the Call Center - square one. Finally, I was escalated to a Call Center supervisor, one of the three times due to the fact that no one was returning promised calls and I would call back. Finally, a Call Center supervisor indicated they had received the fax and that the check was lost and that I should contact the insurance company to see if the check was processed, stop payment and ask them to issue another check. ( Please, keep in mind I am already being reported as past due 2 mos. ) I indicated that my attorney had recommended that I not speak to the insurance company at that time and I suggested since they had lost the check and had a copy with all the information on it, including the agents direct phone number, since the check was lost in their possession they pick up the phone call and see if anyone at Chase had negotiated the check. And also, went on to ask me if I could just send them a personal check or ask the Insurance to issue a check without J. P. Morgan Chase, as additional payee ... ..this is the same bank that insisted as being listed as the mortgage holder on our account .... Once again, I am transferred back to the Insurance Department , to one of Chase 's finest employees, in my opinion. She apologized for the problem, explained that she is in the Insurance Department, and although there is not claim she would try to help, see would call XXXX and she would phone me back ( bless her heart ). Her name is XXXX XXXX, she also, went so far as to tell that my caller ID would come up with a XXXX XXXX five digit number and it would be her to please answer. She returned my calls, got me on track and even followed up to see how things were progressing. Additionally, she advised me to get the name of a specific person in the Chase Mortgage Department to send the replacement check too. Little did XXXX XXXX know it would take a near act of Congress to get a name and address. Finally, after addition calls and requested to speak Chase Internal Audit Department and Chase Legal Department ( both of which I was told they do not have ) I reached the Executive Resolution Level ... ..I spoke with a gentleman name XXXX, recapped the situation and how to resolve the issue to my disbelief I was told he was the laison to the Executive level and someone would call me back in 48 hours, ( this call was on a Thursday and I was assured I would hear back by the next Tuesday - a long 48 hours ) I insisted on a name and was told the " investigation '' was assigned to XXXX XXXX XXXX . When XXXX XXXX called, instead of offering a solution, she informed me she would look in to the " facts '' and call me back by XX/XX/XXXX ; I did not received a call back and at XXXX PM ( and not knowing where she was located ) EST and was informed that she had left for the day. I confirmed with the lady that answered that XXXX XXXX had been in the office that day, but had about XXXX PM. She confirmed the same. I briefly explained that she owed me a call and asked if I could speak with someone else. The response was there was no one else available that department usually leaves early, but that she would put a note of XXXX XXXX 's desk and if she did not call me that following day that I should phone her supervisor, XXXX XXXX, and provided me his number. XXXX XXXX did call me the next day. At this point, I had in my hand a replacement check from XXXX, for the same payoff amount as was originally issued for XX/XX/XXXX ; it is now XX/XX/XXXX. During, the course of their " investigations '' they did not both to suspend past due notice, freeze accruals on the account or credit bureau reporting. Basically, they did very. My request to XXXX XXXX was to adjust the payoff to the XX/XX/XXXX quote, provide me a name and address of where to send the " replacement payoff check '' ; to satisfy the mortgage and provide me evidence of the same ; and to notify the credit reporting agencies of the error and restore my credit rating. ( Which has dropped almost 300 points due to this issue ... ..my XXXX card, which I have had for 47 years, notified me yesterday that my credit limit has been decreased from {$50000.00} to {$25000.00} ; and the pay over time option suspended ... ..due to reporting of past due balances with other creditors ... .I received similar notification from my personal bank card. XXXX XXXX informed that she found no evidence that Chase had done anything wrong and therefore that would not do what I requested. I explained I understood if she did not have the authority to do that and would she please transfer me to someone that does or to her supervisor, XXXX XXXX. XXXX XXXX informed me that XXXX XXXX was not available and that there is not avenue to change the decision. I told her that I understand, but I would like to speak to someone at the next level, or internal audit or legal department ... someone that could make an independent decision. Again, I was told there were not such departments and that no one could alter the decision. Again, she told me XXXX XXXX was not available, but I could speak to XXXX XXXX. While XXXX XXXX was the most help, XXXX XXXX was the total opposite. She indicated that she could tell me nothing different that XXXX XXXX and there were no more levels. At that point, I inquired of XXXX XXXX if she was XXXX XXXX 's supervisor or her peer. She confirmed that she was a peer and I again asked, XXXX XXXX. XXXX XXXX told me that XXXX XXXX would tell me the same thing as she and XXXX XXXX that the decision stands and that no one at J. P. Morgan Chase could alter her decision ... .there are no more levels. XXXX XXXX response to the fact that I had evidence of delivery of the payoff on XX/XX/XXXX, was that they received the payoff package, but there was not a check inside. I asked her to clarify my understanding of what she was saying that she is the final decision make at J. P. Morgan Chase and that no one in the organization could override her decision, including her supervisor, XXXX XXXX XXXX, she confirmed that and I asked if that included the Chairman and CEO, XXXX XXXX. She confirmed that to be correct. I explained that I personally do not know XXXX XXXX, but know people that do and I would work diligently to inform him of Chase 's actions. At this point, I called my attorney. We met the next morning and together we phoned XXXX XXXX, asked for XXXX XXXX. Of course, he was not in, but we did get a phone number for him. My attorney asked XXXX XXXX who we should send the replacement check to. Again, she would have to find out and call back - I spoke with XXXX XXXX on speaker with my attorney in his office. Authorizing Chase to deal with him directly. The very next day, I received a garbled voicemail from Chase, maybe XXXX? that I need to send a letter authorizing them to speak to my attorney, I notified my attorney. He drafted a letter to that effect that I faxed. The very day, a garbled voicemail from XXXX ... same thing. Finally, XXXX XXXX finally provides the name and address to mail the replacement check to - it is exactly the same payoff address the original check was sent to in the instructions. This time it had a persons name ... ..it was sent XXXX overnight to that person, with signature confirmation on XX/XX/XXXX. On XX/XX/XXXX, it was processed by the Insurance Department. Our attorney has indicated that he can sue for damages, it will be good for him - we will run up a big bill, but that Chase does not care. They will not admit any wrong doing and therefore, do not have to do anything. This is so unjust. Chase never acknowledged that fact that I had turned the issue over to my attorney and continued to address through their system. General information : Chase Payoff Center is in XXXX, Ohio ; the Insurance Department is in XXXX, Georgia. NOTE : REPLACEMENT CHECK WAS ISSUED BY XXXX ON XX/XX/XXXX, AND IT TOOK UNTIL XX/XX/XXXX, TO GET CHASE TO TELL US WHERE TO SEND IT AND UNTIL XXXX, TO APPLY IT ... ... .... SUMMARY XX/XX/XXXX ; USPS Chase Payoff Letter & XXXX 's Pay-off Check as per instructed to : Chase, Attn : Payoff Processing / Mail Code XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, USPS Tracking. XX/XX/XXXX ; Received Past Due Notice, Phoned Mtg. Dept. Number on the Notice - told it had not had time to process - just wait. XX/XX/XXXX or XXXX, Received a 2 month past due notice. Phoned and opened a case with the Call Center - ( XXXX XXXX indicated this is the first call of record the one to the mtg. dept. on XX/XX/XXXX, does not show up. ) XX/XX/XXXX ; rec. Letter from Chase indicating " We have received your application for mortgage assistance. '' NOTE - WE DID NOT MAKE THIS APPLICATION. XX/XX/XXXX ; Faxed XXXX to XXXX XXXX XXXX , at Chase request a copy of the Transmission verification form where I had previously sent the following information, a copy of the original payoff check, USPS Tracking Receipt, Past Due Letter that prompted my first call on XX/XX/XXXX ; Email Correspondence with XXXX , explaining Chase lost the check, would they check to see if it was negotiated, stop payment, if not and reissue the check - which they did ; and a copy of the Reissued Check. - NOTE AT THIS POINT I HAD THE CHECK IN HAND AND COULD NOT GET A NAME FROM CHASE TO SEND IT TO ... ..this is where they asked if I could send them a check w/o Chase 's as joint payee. XX/XX/XXXX ; Escalated to Executive Level - promised to return call in 48 hours. XX/XX/XXXX, rec. letter from Chase, " We received your request on XX/XX/XXXX and expect to have an answer for you by, XX/XX/XXXX. We appreciate you patience while we research and resolve your request. '' ALMOST A WHOLE MONTH ... XXXX XX/XX/XXXX ; Did not get return call, I phoned Chase - different person each call - no last names XX/XX/XXXX Assigned to the Executive Level to investigate. Was told XXXX XXXX XXXX, ext. XXXX, would call me. Her message was not a solution, another investigation into whether Chase had done anything wrong ( reXXXX, call was to open investigation - my expectation was a resolution. ) XXXX XXXX indicated she would call me back XX/XX/XXXX ; at XXXX PM, XXXX - because I was concerned that no one really calls back - I phoned her and learned she had been in the office, but had left for the day ( see details above. ) XX/XX/XXXX XXXX XXXX called making excuses that she had been in meetings. I thought given I had been working on this since XX/XX/XXXX, she would at least have had the courtesy to reschedule the call. XX/XX/XXXX, is the date XXXX XXXX informed me of her position, passed me to XXXX XXXX, and I contacted my attorney. XX/XX/XXXX, rec. Chase letter, for a payoff through XX/XX/XXXX, indicated it was being sent " because you requested, your payoff amount changed, or you are reaching your final payment. '' NOTE - NEITHER WE OR OUR ATTORNEY REQUESTED THIS ... .. XX/XX/XXXX, our attorney sent a letter with the replacement payoff check to Chase. XX/XX/XXXX, rec. Chase letter referring to my XX/XX/XXXX, request to adjust the payoff - Chase 's written confirmation they will not adjust payment and that they " carefully reviewed the credit reporting for your loan, and we didn't find any instances of misreperentations. '' We must report any payments you make as we receive them, and we can change negative reporting only when we make a processing error. '' AND THAT IS TRUE - THE LOAN WAS PAST DUE - BUT IT WAS DUE TO CHASE LOOSING THE CHECK AND DRAGGING OUT THE ISSUE FOR 3 MONTHS - IT WAS NOT A PROCESSING ERROR =- THEY LOST IT - THEY DID NOT PROCESS IT AT ALL. The letter is signed Mortgage Banking Executive Office - NO NAME - NO ACCOUNTABILITY. XX/XX/XXXX, Received a letter from Chase, XXXX XXXX, introducing himself as relationship manager to " best assistance option for your mortgage loan. '' XX/XX/XXXX, responded to garbled voicemails ( caller ID XXXX ( XXXX ) XXXX ) demanding a letter of authorization to speak directly to our attorney, with a letter faxed to Chase to that effect. There were really 40 phone calls - the last one was yesterday when I received a letter from Chase Mortgage Department the loan is paid in full and a XXXX, refund check. The interesting thing I learned from the young man I spoke with in the Mortgage Department when I phoned, was THAT CHASE MORTGAGE CAN NOT PROCESS AN INSURANCE CHECK, THE CAN NOT ENDORSE A CHECK FOR J.P. MORGAN CHASE ... ... ... .IT WOULD HAVE BEEN NICE TO HAVE KNOWN THAT IN THE BEGINNING ... ... ... Names of people that I was able to get a new from in the course of the 40 calls .... no particular order, XXXX XXXX ; XXXX XXXX, XXXX XXXX, XXXX, ext. XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX, XXXX, fax XXXX ; XXXX XXXX ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Call Center Employees that were very nice, knew their scripts well, but had no authority to help. Chase 's best ( XXXX XXXX ) and worst ( XXXX XXXX ) in my opinion. Chase has finally applied the payment, notified me the loan is paid in full. 1. We want a satisfied mortgage and legal evidence of that satisfaction. 2. Restoration of the impeccable credit we have built and enjoyed for over 65 years. 3. Withdrawal of all negative financial information to reporting agencies or comparable information to the same affect. 4. We want in immediately - just as promptly as the negative reports were feed out. 5. We written evidence physical evidence that it has been completed, in a form that will be acceptable and support any entity or party that extends credit based on Credit Reports. NOTE : CHASE HAS COPIES OF ALL NAMES DOCUMENTS AND RECORDED CONVERSATIONS ... ... ... THEREFORE, I AM NOT ATTACHING ANY DOCUMENTATION. | ||||||
| 07/15/2021 | Yes |
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| Dear CFPB, Please find my Complaint against XXXX XXXX XXXX, XXXX ( a pretender Servicer ) and JP Morgan Chase for illegal collection of debt which I do not owe ; and my request to extend forbearance on my non-existing " loan account " where I transfer all my money to JP Morgan via XXXX XXXX XXXXXXXX as a tax-free revenue after JP Morgan deceptively obtained from me a license to use my personal information in their securitization scheme started in XXXX with original owners, XXXX XXXX whom JP Morgan deceptively paid a commission of {$200000.00} for starting a first round of securitizaiton scheme. XXXX XXXX issued an Order to extend forbearances for six months of additional mortgage payment forbearance, in three-month increments, for borrowers who entered forbearance on or before XX/XX/XXXX. I clearly qualify for this Order and request CFPB to help with my extension until XX/XX/XXXX since I have nobody else to ask for it and JP Morgan wants to collect more money from me as their tax-free revenue via fake compnaies who pretend to be " servicers '' and " lenders 'XXXX XXXX appeared in XX/XX/XXXX and started to lie relentlessly about " purchasing '' my alleged " loan '' while nobody confirms to be a seller to XXXX. As " proof '' of its alleged " ownership '' XXXX sent me two forged Allonges to my Note - both of which are significantly different and illegit. XXXXXXXX XXXX new Allonge to XXXX on XX/XX/XXXX which was sent to me by XXXX in respond to my Complaint to Florida Attorney General. XXXX XXXX " prepared '' an XXXXe to XXXX XXXX Loans on XX/XX/XXXX signed by Collateral Shipper XXXX XXXX. When I asked where XXXX worked and which authority he has to sign any financial documents, nobody was able to respond. XXXX deny this transfer while XXXX has no idea when they transferred my " loan ''. But Allonge of my Note means XXXX transferred " ownership '' of my alleged " loan '' on my closing day to XXXX XXXX XXXX who became the new " owner '' of my alleged " obligation '' while bear to repeat, XXXX vehemently deny it. The legal requirement for enforcement of a promissory note consists of possession plus authority granting the entitlement to enforce the note. Who can grant that authority? The answer must be the owner of the underlying obligation or someone who represents the owner of the underlying obligation. In either event, the owner of the underlying obligation must be identified. Here are NO owner of underling obligation was ever identified in my situation. Only lies, forgery and absurd runarounds. The playbook for the banks consists of wearing out the homeowner with strategies that misdirect attention from the real issue - who is the Holder in DUE COURSE. This Allonge # 1 was sent to me by XXXX on XX/XX/XXXX, after I contacted XXXX XXXX. After XXXX XXXX who apparently retained " ownership '' between XX/XX/XXXX to XX/XX/XXXX until XXXX 's " nominee MERS '' hired XXXX to " assign '' my " mortgage '' to XXXX who said that they " purchased '' my loan in XX/XX/XXXX XXXX " - I submitted my complaint with Florida AG XXXX has no idea who hired their company - or instructed to conceal who is their client ( XXXXXXXX XXXX and JP Morgan and/or XXXX XXXX XXXX 's employees who call themselves " XXXX XXXX '' sent me a brand new Allonge # XXXX purportedly prepared by " XXXX Mortgage '' on XX/XX/XXXX where XXXX Mortgage transferred my alleged " loan '' to XXXX XXXX Loans, XXXX This Allonge # 2 is substantially different from Allonge # 1 provided by you on behalf of " your client '' XXXX since it completely lacks any authorized signatures. I guess " XXXX '' who sent me Allonge # 1 with stamped signature of " Collateral Shipper XXXX XXXX '' is on vacation or quit, so, the new " XXXX '' did not know about this Allonge and which was likely removeXXXX XXXX XXXX XXXX from their document forgery system XXXX, so, this XXXX sent me a new Allonge # 2 along with an absurd letter full of lies, as usual. Worth to mention, these are lies to Florida AG, after XXXX relentlessly lie to CFPB. According to HUD 's Rules, ALL endorsements must be on the Note first, with authorized signatures. Alloges are only allowed to be used if the Original Note has no more space for signatures. Each signature must state the name and the title of the person who signed it. According to XXXX, XXXX, who claimed to be a " Lender '' ( until XXXX transferred " ownership '' to XXXX on XX/XX/XXXX XXXX, must pool all loans into XXXX XXXX 's Trusts and issue securities which XXXX as a Lender sells to investors. Every trust must have these elements : Trust agreement : A trustor or settlor : A trustee : Beneficiaries who are identified and named : Some legally recognized interest, property or investment that has been entrusted to the trustee to manage on behalf of the beneficiaries. I many times asked XXXX to give me these documents but XXXX was never able to answer it. However, XXXX claims to be an " issuer '' of securities backed by my alleged " loan '' - while the Lender as you said was XXXX. XXXX did not claimed to be a " Lender '' but XXXX XXXX 's Senior VP XXXX XXXX insisted that the Issuer was XXXX. XXXX, XXXX and XXXX all agreed that they are " Servicers '' for someone XXXX the owner of the Debt ) whom none of them can identify. In other words, I have three Servicers and no one Master who is the owner of the alleged debt. Can you contact XXXX and ask which Allonge must be permanently attached to my note ; where is the Note and why XXXX did not endorsed it as required by HUD 's Rules? Who was an authorized officer at XXXX Mortgage who was in charge of all these " transfers '' ; and who is holder in due cause who has my Original Note and proof of purchase from XXXX - along with proof of payment received by XXXX after sale of my alleged " obligation '' Also, ask XXXX to identify XXXX XXXX 's Trust where XXXX XXXX pooled my " loan '' and identify Investors to whom XXXX as a Lender issued and sold securities. XXXX XXXX 's letter with explanations how XXXX XXXX for instance ) create Trusts and issue securities. The truth is - all Companies who appear as " Servicers '' do not do any collection or administration of anyone 's debt. They are hired by XXXX XXXX Bank solely to lie to homeowners. 99 % of all homeowner transactions, correspondence, notices, response to QWR, response to DVL, and response to forbearance or modification is not generated by the company claiming to be the servicer. Although you might direct your letter or payment to the name of the company claiming to be a servicer, it is not received by them. Through a network of third-party outsource contracts the actual work of receiving, depositing and disbursing the proceeds of payments is conducted by other companies. The actual work of sending responses, correspondence and notices to homeowners is also performed by third parties. I have proof for it. And the work of accounting for payments is performed by the companies that actually received those payments not the apparent servicer. Those third-party companies are subject to agreements for contract administration. Some of them are referred to as corridor agreements ( most commonly with XXXX XXXX XXXX XXXX XXXX None of the third parties are subject to the control, instruction or ownership of the company that is pretending to be a servicer. Even the call center is usually manned by non -employees or contractors of the apparent servicer. When I call XXXX 's automated line, their answering system says that they do not have records of my " loan ''. I recorded their messages. The illusion is complete. The apparent servicer is a third party to everything about the homeowner transaction but it looks like it is in charge. Since several different companies perform different tasks that are attributed to the apparent servicer, and those companies do not communicate with each other, the responses I get are inconsistent and even relate to the wrong transactions. It will also not be the response of an actual servicer as the term is generally understood i.e., the company that receives and disburses money from payments received from homeowners. The structure requires one company to receive the payment, another company to account for it and still another to disburse and account for that function. There is no signature on most correspondence I received ( or electronic signatures ) because there is very little human intervention in the process. That creates a seemingly airtight argument for plausible deniability for mistakes. The bottom line is that I am not corresponding with or communicating with the company claiming to be a servicer. The same with alleged " servicing of escrow '' - these money are also stolen by XXXX XXXX Banks. If nobody has an account receivable for alleged " loans '' - they have nowhere to deposit your escrow money. As the result, ALL taxes and home insurances are paid from XXXX XXXX 's operation pools which consist from investors money - aka your Pension Funds. A common example to look for is who is paying the taxes. If it is XXXX, something is up. It obviously does not claim to be a creditor or a servicer. So, why XXXX would pay for the taxes if XXXX is supposedly just a computer processing company? The entire " lending '' industry for the past two decades has been one elaborate fraudulent scheme and basically mostly a Ponzi Scheme operated by major XXXX XXXX XXXX Banks and direct heinous fraud against homeowners who were brainwashed to think that they " borrowed '' some money to buy a home. The real issue in any action to enforce a note or enforce a lien is very simple. It is about money. More specifically about money owed. It is not about games to play to get money because the note or mortgage exists. it is about collecting an unpaid debt. Unless there is a debt and unless the debt is unpaid and unless the debt is due to the claimant there can be no claim or any demands for any payments. Why would anyone want to give money to someone just because they know about the original promise to pay money. Knowledge is valuable to be sure, but the homeowner is under no obligation to pay for that knowledge, since he/she already has it, to wit : a promise to pay was issued at origination of the transaction. But that promise was made in the context of what the homeowner believed to be a loan transaction with a specific lender who had a risk of loss on the transaction, just like the homeowner. If the promise was made without knowledge of the full details of the elements of the deal, then the homeowner is entitled to Full disclosure and participation in the entire deal, not just part of it. But the homeowner does not know what happened to that promise after he or she issued it. Since the counterparty to the transaction with the homeowner consists of a group of companies intending to make a profit on the sale of securities, the intent of the homeowner and the intent of the counterparty ( ies ) is entirely different. If the homeowner is excluded from the securities scheme then there is no consideration for the issuance of the promissory note. If the homeowner is included in the securities scheme, then the issuance of the note was an investment into the security scheme, for which the homeowner was entitled to compensation. That leaves open the question of the amount of compensation to which the homeowner might be entitled. as payment to the homeowner for starting the highly profitable securities scheme. XXXX XXXX '' benefit of homeowners ' signature on the Note is simple. For example, they sell {$2.00} XXXX worth of " certificates '' on the data from the origination of the first transaction with the homeowner. In my situation this first transaction was likely {$200000.00} " Mortgage '' to the prior owner by JP Morgan Chase in XXXX who started this securitization scheme. Then without disturbing the securitization structure the new sale or offer to refinance means new data. The new data is then the subject of a new sale for {$2.00} XXXX in " certificates ''. Since the investment bank is taking in {$2.00} XXXX but only paying out, at most, around {$1.00} XXXX they made an immediate " trading profit '' of {$600.00} XXXX on the first securities deal and then another {$2.00} XXXX on the second securities deal. The second securities deal required no payment to the homeowner because that payment had already been made. In other words, in my situation no financing was necessary at all - from XXXX or anyone else - since I signed documents which looked as " Mortgage '' which was undisclosed purchase from me by JP Morgan a license to use my information ( data ) to continue securitization scheme started by JP Morgan with XXXX in XXXX. This is why my mailbox was full of refinancing offers - JP Morgan needs new data to issue new securities by pushing me into a refinancing, preferably under predatory terms. If there is a third, fourth and fifth round of securitization based upon data that is based upon the first deal only, the profits of the investment bank rise to many multiples of the first deal, which is the only deal in which money is paid out to homeowners. And in some cases that is exactly what happened -- - after paying out {$1.00} XXXX to homeowners masqueraded as " loans '', the investment bank ended up with direct profits of more than {$10.00} XXXX -- - all without ever becoming the lender in a regulated loan transaction. Then you have the derivatives sold whose value is based upon the " value '' of the certificates that were sold. You can easily see why some brokerage houses were ensnared by leveraging since they were, for the first time, leveraging revenue. By borrowing 42 times the net worth of XXXX XXXX management thought they would be making hundreds of billions of dollars. And they would have if the fake trading market for certificates had not come to a grinding halt in XXXX. Instead, the selling topped and like any XXXX XXXX so did the " XXXX. '' And who made all of this possible? Gullible investors which include homeowners and pension funds. How much revenue did the investors ever see or receive from this scheme? Zero. Investment banks had inverted their role from being a broker to becoming the de facto principal without any of the liability of being a principal. Explaining this to the normal average homeowner is a virtually impossible task and that is why there is no collective outrage from homeowners except the self-destructive outrage against themselves. They're left paralyzed by the deceit promoted by XXXX XXXX Banks who operate this XXXX scam. The latest announcement from XXXX that it is selling servicing rights is an example of the con. It is a simple announcement that it is selling its servicing rights to the newly created XXXX a company that would not exist at all if it were not for an IPO that raised money for it to buy the servicing rights presumably sold but not warranted by XXXX. This is simply another one of thousands of announcements of transactions over three decades in which XXXX XXXX investment banks created, maintained, and promoted the illusion that any part of their claim of securitization of debt was ever true. The plain truth is that no asset ( debt is an asset ) is securitized unless it is sold in a real-world transaction in which the purchaser paid value in exchange for documents conveying ownership of the underlying obligation ( from someone who owns it ). This does not happen in residential mortgage loans. Best regards, XXXX XXXX | ||||||
| 09/11/2019 | Yes |
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| XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX Chase Wire Department XXXX ( XXXX ) XXXX Chase Fraud Department XXXX ( XXXX ) XXXX Chase Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX +XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. XX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX XXXX ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. I wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. On XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. On XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact Chase their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. On XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted Chase fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The Chase wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or Chase. XX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from Chase. XX/XX/2019 I contacted the wire department and there was no update. I informed the Chase Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I contacted the Chase wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I called Chase wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from Chase wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. I had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the Chase wire department. I called back Chase wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the Chase wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX XXXX XXXX weekend all offices were closed. XX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the Chase wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. XX/XX/2019 I contacted Chase wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that Chase was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. XX/XX/2019 I called Chase Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the Chase wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called Chase wire department, it took three hours before I could talk to someone without hanging up on me. I informed the Chase wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from Chase wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. XX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the Chase wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called Chase Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the Chase wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the Chase wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because Chase did not respond to their request. Again the representatives from the Chase wire department lied to me. XX/XX/2019 at 10:30am XXXX from Chase Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to Chase to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from Chase Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. XX/XX/2019 XXXX I talked to XXXX from Chase Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). Ses said that the email was sent from Chase to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with Chase is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. My complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. My complaint is that Chase is not doing to due diligence in helping me. Chase wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming suicidal. My daughter is set back in her education because of this. Every penny we need for her college education. Chase wire department is destroying lives for people of color. Please help me. Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | ||||||
| 12/25/2021 | Yes |
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| Hi there -- my name is XXXX XXXX and I am a customer of Chase Bank. My identity was stolen this year, and I've had to deal with frequent fraudulent charges across several institutions as I seek to regain control of my financial picture. I have had to dispute many charges with Chase, but Chase has re-applied the charges to my account because they believe I made the charges based on previous purchase records -- except the previous purchase records were from previously fraudulent use. I have already appealed and tried to explain this to them, but they are unwilling to help me. I have been a loyal and timely Chase customer for years. It's a very frustrating situation to be in, as I've been the target of a pretty severe case of identify theft. This is regarding my Chase Amazon Visa Prime card, ending in XXXX (previously ending in XXXX). It is several thousand dollars worth of fraudulent charges that have been upheld on appeal, and I need Chase's help in removing these rebilled fraudulent charges:XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX Fees & adjustments, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX Fees & adjustments, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Home, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Home, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Health & wellness, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/XXXXXXXX XXXX XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Travel, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/XXXXXXXX XXXX XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX Automotive, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXXXXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Multiple Shop Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX Health & wellness, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX XXXX, I Groceries, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Travel, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Personal, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Health & wellness, opens menu $120.00 See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Gas, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/XXXXXXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX XXXX Groceries, opens menu XXXX See details about this transaction XXXX XXXX XXXX XXXX XXXX Shopping, opens menu XXXX See details about this transaction XXXX XXXX XXXX XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/XXXX1 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Home, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 AXXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Gas, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX Shopping, opens menu XXXX See details about this transactionXX/XX/2021 XXXX Shopping, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX Personal, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transactionXX/XX/2021 XXXX XXXX XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXXealth & wellness, opens menu XXXX See details about this transactionXX/XX/2021XXXX XXXX XXXX - XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX Food & drink, opens menu XXXX See details about this transaction XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, opens menu XXXX | ||||||
| 03/17/2021 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 11/16/2020 | Yes |
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| Hello CFPB, Please Help. I have sent details ( following communications to CHASE ) but have received no response. On XX/XX/XXXX morning, in spite of full knowledge that Debt was direct result of identity theft, CHASE Credit Card collection agency kept calling aggressively during work hours and critical time of Pandemic. XX/XX/2020 To, CHASE Executive Office XXXX XXXX XXXX, XXXX, OH XXXX To, CHASE Credit Card Dept. XXXX XXXX XXXX XXXX DE XXXX SUBJECT : Case Number : XXXX - Request to CHASE to communicate to Credit Agencies and Undo the Damage which CHASE inflicted on identify theft victim ( myself ). CHASE agent declining to provide mailing address for Credit Card Fraud and for issues that are direct result of Fraud on XX/XX/2020. This reduction of Credit Score has affected my life and well-being drastically during Pandemic. Hello CHASE, This request is to remove the Late Fees Charged by JP Morgan Chase Credit Card Dept. During the entire process of Identity Theft issues, which now has been resolved in my favor, CHASE credit cards which were automatically being paid by the Compromised CHASE savings account has been not considerate of my request as a victim. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. Kindly please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identity theft victim ( myself ). As you already know, that the unauthorized transactions ( all 33 reported ), has been refunded back to CHASE by XXXX and eventually to me. Please find the proof ( statement details attached ) that the refund took place and this issue has been resolved in my favor ( in victims favor ). In good faith, I have paid all the Purchase transactions to CHASE credit Cards. Even before the fact that any amount of unauthorized transactions were refunded to me. In spite of full knowledge and documentation and proof that transactions were unauthorized, CHASE reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by 110 points on average. ( XXXX score to around XXXX score ). On XX/XX/2020, XX/XX/2020 the CHASE Bank in XXXX Texas ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) was notified and Bank representative Ms. XXXX XXXX also notified the CHASE Credit Card Dept. CHASE Credit Card Dept. was notified by me over and over again about this Fraud & identity theft. On XX/XX/2020 the CHASE Credit Card Dept. was notified of this issued again Case Number : XXXX On XX/XX/XXXX I also discussed over recorded phone line with following CHASE Agent. AGENT NAME : XXXX XXXX Account Supervisor Dates of Closures : XXXX ( XX/XX/2020 ) - {$500.00} XXXX ( XX/XX/2020 ) - {$5300.00} Agent was not willing to give email hence, CHASE was also sent a written letters ( multiple ) by me at following address : Mailing Address : CHASE Mail XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX TX, XXXX Mailing Address : CHASE Executive Office XXXX XXXX XXXX, XXXX, OH XXXX Mailing Address : CHASE Credit Card Dept. XXXX XXXX XXXX XXXX DE XXXX Collection Calls : Continued Calls by CHASE for collection on daily basis. On XX/XX/2020 Again, I have spoken to CHASE Agent on a recorded line. Agent First Name : XXXX In the Call Agent did not share following info : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Declined to Provide Email Agent of CHASE Credit Cards Decline to provide the most updated address of CHASE Fraud Dept. Agent Name : XXXX Location : XXXX. Agent kept Declining to give an address to Report Fraud, because as per XXXX ( Agent ), mentioned that CHASE does not have address to Report Fraud. Agent also Mentioned that one can only report Fraud over phone and Online. Declined to Give Address. Agent mentioned that once I have reported Fraud on CHASE online website ( which I did on XX/XX/XXXX to XX/XX/XXXX ), the Credit Card Dept. is automatically notified of the Fraud against any CHASE accounts and there is no need to notify further. Agent suggested to report the charges during Fraud ( as a direct result of fraud online. I have done this multiple times. Proof attached. Also, on XX/XX/XXXX, I spoke with Senior Specialist Agent to assist with address for Fraud Dept. for CHASE credit card : Agent Name : XXXX Location : XXXX IL Agent Mentioned that system is not working and Could not get address. Agent also mentioned that there is no address to write to for Fraud. Agent : Declined to Give Physical address. Also mentioned that CHASE does not have such address. Also, on XX/XX/2020 Again, I have spoken to CHASE Agent. AGENT NAME : XXXX XXXX Location : Texas ( XXXX XXXX ) Case Number : XXXX Agent could only refund ( Late Fee & Interest ) - {$100.00} for card ending in XXXX Agent could only refund ( Late Fee & Interest - {$110.00} for card ending in XXXX Agent also mentioned that CHASE Credit Card will take some time to finish this investigation and promised to refund all the late feeds. Agent also confirmed that the balance on either one of the credit card accounts, is due to late fees, interest and transaction bounce back fees only. This was a direct result of CHASE savings Accounts being compromised. As per the Agent and as per proof that all 33 transactions were refunded, this was a Bank Error from CHASE Savings or Checking Account. This was an error on Banks part. This Bank account was used to pay the CHASE credit Cards in question. Documentation that there was Fraud on Savings Account was also sent to CHASE Bank as well as CHASE Credit Card Dept. and the Bank location of ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to banker Ms. XXXX XXXX and also to Mr. XXXX XXXX ( Asst. VP ) of CHASE Bank Branch, who have the documentation and police reports and FTC reports of Fraud and also promised to notify the CHASE Credit Cards and follow up on this case. That being said, since I have notified your Bank and Credit Card Dept. in due time, I do not believe that I ( the victim ) should be liable for payment of any late fees and/or transaction bounce fees of CHASE Credit Cards, which were paid by compromised savings account. If this was the case, CHASE should have notified me about this in writing that we hold identify theft victims liable to immediately pay CHASE, even if there is no balance in account. My savings account had been wiped out completely leaving me and my family in a desperate and dire situation during the Pandemic. Because this account was closed by CHASE, hence the payment did not go through and CHASE Credit Cards, in spite of knowledge of the theft, kept charging late payment and interest. In multiple calls and emails, I have requested CHASE Credit Card to Freeze the Cards and they havent done so. Instead, CHASE has reported late payment to Credit Agencies, resulting in my Credit to be reduced for over 110 points ( XXXX to XXXX ) during the months of XXXX to XXXX. CHASE Credit cards should not have done such negative reporting to someone who has been a victim of identify theft. Especially, after the Case has been resolved in Victims favor. Also, during the months of pandemic, I believe as per law, a company should not report bad information ( late payment ) for anyone, especially not the customer who has been victim of identity theft. In spite of the knowledge and CHASE credit card charged late fees, transaction bounce back fees and interest as a result of identity theft ( compromised CHASE account ) which was closed by CHASE and the account was paying CHASE credit cards. As you may already know, I had given CHASE the police report as well as detailed information of all the 33 transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. Please refer to following Case numbers for Identify theft issue Ref : Case # XXXX - Chase Claim number XXXX XXXX Case ID : XXXX - Notice # 2 to CHASE. I had given CHASE the police report as well as detailed information of all the 33 transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. Additionally, I have also filled & signed the form sent by CHASE on and sent it via Fax and letter on XX/XX/2020. As per advice by Mr. XXXX XXXX XXXX Asst. VP ) of CHASE Bank Branch in XXXX TX, and as per Bank manager of XXXX TX, Mr. XXXX XXXX input during my in-person visit on XX/XX/2020 and earlier, I was told that as a victim of identify theft, ( when it is proven that transactions were unauthorized ), CHASE shall do their very best and ensure that my credit is not affected and shall help the Victim. However, to my disappointment CHASE has done the exact opposite. CHASE has been attempting to victimize the victim even more by punishing the victim via reporting negative credit to the major credit agencies. Credit agencies has confirmed that negative remarks on my credit is due to CHASE and also official dispute has been raised for this on my behalf. As per confirmation from CHASE Claims Depts as well as all CHASE Branch, and phone conversation with XXXX, it has been confirmed that XXXX was used to commit fraud in case of all the 33 transactions which were not authorized by me. XXXX was used tool to commit fraud and place transactions in my account which were not authorized by me. CHASE finally refunded all the unauthorized transactions amount which XXXX had reversed. Earlier CHASE had only reversed transactions in amount of {$7400.00} and given me temporary credit. Finally CHASE refunded me the remaining amount of {$9000.00}. The final confirmed refund of unauthorized transactions totaling {$16000.00} and CHASE Fees {$160.00}. Attached : Statement describing transaction reversal of the latest unauthorized transactions. Note : Remaining of all of 33 transactions have been proven to be unauthorized and case has been in favor of victim ( myself ). Following are the names of Agents that I had conversation at CHASE Credit Card Dept. AGENT NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Agent was not willing to give Email. Case Number : XXXX Dates of Credit Card Closures : XXXX ( XX/XX/2020 ) - {$500.00} XXXX ( XX/XX/2020 ) - {$5300.00} Agent mentioned over recorded line to prove that this was either a Bank Error ( or unauthorized transactions ) from CHASE Savings or Checking Account. Agent mentioned to remind the CHASE executive office that they should communicate to CHASE credit card that this was an error on their part ( and transactions were unauthorized. Also agent said that they need documentation that there was Fraud on Savings Account. Kindly please send the documentation attached in this email to CHASE Credit Card services at the address mentioned above, or otherwise deemed suitable to you. CHASE Credit Card constantly demanded payment from Identity theft victim ( Myself ) and Reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by XXXX points on average. ( XXXX score to around XXXX score ). Finally, as I have paid all of my Purchase amount of credit cards ( inspite of being a victim ), I request CHASE to remove the late fees and be considerate of situation of a identity theft and Fraud victim ( myself ) during the Pandemic time. CHASE should Undo the damage they caused to me by reporting negative remarks to the Credit Agencies. This reduction of Credit Score has affected my life and well-being drastically during Pandemic. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. Please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identify theft victim ( myself ). CHASE, must remove all the late fees and do the following steps : 1 ) CHASE must send me letter that Late fees were a result of non-payment of Credit Card during the Fraud investigation process from the Compromised account ( and the Account was wiped out by Criminals ). 2 ) CHASE must acknowledge that CHASE only refunded 60 days of amount ( starting from first Fraud date ) at the start and only after investigation was over refunded the rest of the 33 transaction. This was during Pandemic times. 3 ) CHASE must acknowledge that 33 transactions and associated fees were refunded to me as they were proven to be unauthorized. 4 ) CHASE must acknowledge that during and after the investigation was over the late fees on the CHASE credit card were on the balance of only the late fees they that started charging on XX/XX/2020 for card ending in .. XXXX and balance on the late fees that started charging on XX/XX/2020 i.e. during the time of the Fraud investigation. 5 ) CHASE must acknowledge that my compromised savings account which paid these cards had XXXX balances ( and then minimal balance of pandemic emergency funds as CHASE only refunded 60 days of transactions ( starting from first Fraud ). During this time of investigation, I still paid of the purchase amount of the CHASE Credit Cards. 6 ) CHASE must acknowledge that I have paid the full purchase amount of both these credits cards and the balance on the cards as of now is due to Late fees only ( that were charged during the time of Fraud and investigation of the Fraud. 7 ) Also, CHASE must acknowledge that CHASE did not remove all of the late fees and interest, rendering the balance to be XXXX, because the victim ( myself ) paid off CHASE Credit Cards purchase amount even during Pandemic time and even though during the time period when I was victim of identity theft. I would require CHASE to immediately initiate the process with Credit Reporting Agencies and CHASE credit cards for removing any negative remarks on my Credit History, as soon as possible. Copies of these documents shall be submitted to CFPB and Credit Bureaus. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of CHASE 's negligence, including XXXX ( XXXX XXXX XXXX ) who's sales must have been surely affected by such negligence of CHASE and victimizing identity theft victims by reporting negative remarks on credit score of the Victims ( including myself and others ). CHASE must send me documentation of STEPS taken by CHASE to undo the damage they inflicted to my credit score. CHASE must complete these actions by XX/XX/2020. Otherwise, I shall have no option but to first resort to Social Media and Media in order to describe the injustice and negligence of CHASE and lack of capability of CHASE to protect my Savings accounts against Fraud. Thank you, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX | ||||||
| 09/25/2020 | Yes |
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| To Whom it may concern, I am writing this letter in hopes that I gain the attention of a compassionate person that can help me resolve a conflict I have with Chase bank. I will describe my situation below to the best of my ability ; as i am XXXX a number of issues with this company. Please note that I am on a time constraint because I have been dealing with this issue for many months now due to a few ( unfair ) circumstances and in attempts to resolve these issues myself as opposed to reaching out to anyone else ( such as your services ). I will touch on all of the issues as they come about as I continue to explain further details. The issue first arose on XX/XX/2020 when I reported to Chase bank that there were some charges made to my account that were fraudulent and that I didn't recognize. These charges included 3 transactions that were not approved by me in addition to 4 charges that I DID recognize and that WERE authorized by me ( but the items were never delivered ) for a grand total of 7 transactions ; each from a different merchant. I called chase bank in attempts to dispute these transactions and I described in detail the entire situation to the customer service agent assigned to my call. I explained to him that 4 of those charges were authorized by me but i had an issue because I never recieved the merchandise ordered and since I had originally placed these orders in XXXX 2020 and it was now almost the end XXXX, I assumed that the merchants were fraudulent and scamming people for their hard earned money. Before I contacted chase about this issue I did in fact reach out the the companies in attempt to ask for a refund. the contact was made through email as listed by the compani3s website. Each message i sent was returned to me with a notification stating that their inbox was full. I clearly explained this to the gentleman from the claims, in which he confirmed with me that he understood. He then told me that paperwork would be sent to me to document my situation and that i needed to describe each incident that i was disputing and then send it back to the claims department in support of theclaims he was submitting for me. He then reversed the charges and waved the overdraft fees associated with each charge. He told me that an investigation was going to take place and that i should close my account as soon as possible to prevent any additional fraudulent attacks on my account. i agreed and decided to close my account after I recieved the first set of letters regarding the investigation of my account. I completed the paperwork that was requested of me in totality and immediately sent the forms back for their records. I was relieved and proceeded to the physical bank located in XXXX, Washington on XX/XX/2020 to close my account. When I arrived I was told that no one was available that day to assist me in closing my account and that I would need to schedule an appointment for a different day. I briefly explained my situation and that I also was set up for " automatic bill payment '' or " auto-pay '' through a few different companies and even though i already previously contacted these companies to switch accounts and remove chase bank from their records they are notorious for charging the old account. i explained to the bank teller that since I just withdrew all funds out of my account bringing it to a balance of XXXX, if any of those transactions would go through, it would make me overdrawn. The bank teller asked if I wanted to have a restriction placed on my account so that no debits or credits could go through and i would be able to close the account on the day i made the appointment. I agreed and said yes. I already spoke with the compaines that were set up for autopay to be directed to my other bank account separate from Chase bank. and it was my impression that a mutual understanding was present and that they would not withdraw funds from the chase account because i provided to them a different method of payment using a completely different bank. The teller at Chase reassured me that no debits or credits would occur with my account being restricted and since it was Friday, i had to make the appointment to the close my account on the following Tuesday because that was my next day off from work and the banks are closed on weekends. On Tuesday, XX/XX/2020 at XXXX I went back to chase bank at the specified time to close the account. It was made apparent to me that, just as I assumed, Chase allowed a transaction to take place and there was yet another overdraft fee on my account along with the charge from my automated bill pay. I was extremely upset and explained what happened on the previous Friday. The banker apologized and attempted to reverse the over draft fee, however, their system wouldn't allow it because it said that I already met the limit for " courtesy fee reversals '' on my account for the year. I dont know why this is even fair because I did everything in my power to avoid this from happening and to safeguard my account. If the lady from before would have never assured me that there would be a restriction on my account, obviously I would have made sure that I had enough funds available to prevent me from overdrawing instead of withdrawing all monies in the account. I was very upset and she said that there wasn't anything she could do to help me and that I would have to either call someone from their customer service number and talk to them about all of this or I had to pay them because in order to close the account I would need it to be at a balance of XXXX. I felt like it was not fair so I told them I would call since no one down there wanted to do their job or be an advocate for one of their clients. I have been banking with chase bank for almost 10 years and this is the type of treatment a " valued '' customer gets from them. I went home that day and called their customer service line. I explained my issue in which she stated that i needed to speak with someone from the claims department and she transferred me to the claimes department. I spoke with a man from the claims department explaining all over again what my issue was and he stated that we needed to figure out what happened to the restriction on my account and why it wasn't currently in place. So he transferred me to another agent in their records department and after explaining my story over and over again I finally just gave up and the next day I went down to the bank and deposited the total negative balance paying it with cash in full so that I could just be done with them and close the account. Right after bringing the account balance back to a positive {$18.00} and some change. i went home called them back to close the account and then agent i spoke with said that the deposit was still pending on my account and that I would need to wait 24 hours for it to show that it was posted to my account -even though I paid them at the physical bank and with cash, which funds should have been made available immediately. I attempted to close that account 3 more times over the course of an entire month in which each attempt was unsuccessful because every time I would attempt to close it, Chase bank would be attempting to process auto-pay transactions and charge monthly service fees on top of that -even while they were fully aware and knowing that an account cant be closed if there are charges still pending and my account was supposed to be restricted. i already explained that a restriction was supposed to be on my account so it was unclear to me why they were still allowing these charges -especially when I hadn't used that card in over a month because I had been trying to close that account for weeks now. She offered to transfer my call to someone else in the department to see why the restriction wasn't on my account. That didn't help me at all. I didnt want to know why because that doesn't help my situation whatsoever. I wanted to close the account and be done with it. After my 3rd attempt of paying over {$300.00} to Chase bank to close my account, I called them AGAIN and they stated that the money I had given them at the ATM deposit was still processing and that I would need to call the next day to close the accout. I was tired and frustrated because they were doing everything in their power to keep me from closing my account so they could keep charging me over and over and over. Because after I waited until the next day following the last ATM deposit which was on [ XX/XX/2020 ] I noticed that more charges were made on the account that were unauthorized by me and some of the reversals from my original fraud claims dated back on XX/XX/2020 were reapplied to my account resulting in a balance of negative ( - {$260.00} ). I called them again at the claims department. I explained my situation and asked why the reversals were reapplied and a gentleman told me that he found that the charges were authorized and that I needed to pay the balance for those transactions. I continued to explain that from the initial disputed transactions, 3 of them were not authorized and 4 of them were authorized by me ; but that I had not received any packages from said transactions. He told me that it was all filed under one claim and that it should have been filed under 2 different claims for packages not received. So he told me that he would have to re-file the claim for me and that he would need approval so he requested that he put me on a brief hold, in which I agreed, after about 15 minutes on hold a completely different lady answered the phone and she was from a completely different department altogether. she had no idea what was going on in my situation and so he just transferred out my call without helping me and I was going to have to explain my situation all over again to someone completely new who had no idea of anything that was going on and this is a very very long story and extremely complicated. I'm getting really tired of telling it over and over again. I just want this to end. So I asked her if she was even going to be able to help me or if I should just go to the physical bank myself and have someone from their call on my behalf to argue with them because no matter how hard I tried and no matter who I spoke with over the phone this was not getting resolved. She suggested that I go down to the bank and talk with a banker. So I Call down to my local Chase Bank and asked if I could make an appointment to speak with a banker she asked me what I needed help with. I explained to her my situation over the phone and she said that she would be able to help me but not if it was going to exceed longer than a half an hour because she " could not spend a half an hour waiting on hold to speak with someone down at customer service '', which seemed like a ridiculous reason to me of her trying to get out of helping me, because I know plenty of other businesses with customer service representatives that have spent well over an hour on hold for one of their customers. I have been affected by COVID-19 and my hours at work have been significantly reduced and I can not afford to pay anything on this account nor should I have to because none of this was even directly my fault. On XX/XX/2020, XX/XX/2020, XX/XX/2020 and on XX/XX/2020 I recieved letters from Chase bank stating that in conclusion of their investigation ( s ) they found that i was correct in my assumption, that the suspicious activity on my account was indeed fraudulent and that they were taking necessary actions on my behalf to correct it and issuing credits to my account. Then I recieved a phone call on Thursday XX/XX/2020 from a customer service representative on behalf of Chase bank wanting to make a deal with me in order to close the account. he offered to wave a few of the fees if i paid {$180.00}. I told him no and that it was unfair because it wasnt my fault that one of their employees filed the fraud claim paperwork incorrectly and that i was being penalized for it. I dont deserve it and I dont have the money the pay even a quarter of the total bill due to shortened hours at my current because of COVID-19 as i am still waiting on unemployment to issue my payments that have been backed up since XX/XX/2020. All of this was explained numerous times to more than 12 different customer service representatives over the course of the previous two and a half months in between XX/XX/2020 and XX/XX/2020 ( which was the date if the last contact made by chase bank ). To reiterate on XX/XX/2020 is when the claim ( s ) were to initially be filed SEPARATELY : 3 charges to the account were unauthorized by me and the other 4 charges WERE authorized by me but I had not received the products I originally ordered two months prior for a total of 7 transactions i was attempting to dispute. I first attempted to contact each vendor separately to inquire about the products not received from the authorized transactions and to report the items as undelivered ; and further, requesting a refund. This was carried out BEFORE I filed the claims with Chase bank ; after several attempts of requesting a refund from the merchants via email, each message i sent was returned to me with a notification stating that their inbox was full. So I assumed the companies were fraudulent and that is why I reported to chase bank in the first place -which was because I had already attempted to contact the merchants before contacting Chase , and since it led me down a dead end, i was now in need of their help. XX/XX/2020 - another attempt was made by Chase bank to collect on the debt of my account. Employee name : " XXXX '' XXXX ID # : XXXX at approx. XXXX Again, i explained my entire situation to her from start to finish. She put me on hold to " check on re-filing the fraud claim ''. i was on hold for about 3 minutes and then she hung up the phone on me altogether without even saying another word prior to ending the call. This issue is still unresolved. This is the 4th employee that has hung up on me after hearing me explain my situation and they all do it to me after THEY called ME to collect on the debt. No one is wanting to advocate for me or try to fix this situation. I need help. I feel victimized, bullied, and helpless. Below is a list of all the transactions I am disputing. i will also provide bank statements and letters i received by chase bank in an attachment to this submission. Unauthorized Charges : date : merchant : amount : XX/XX/2020. XXXX. XXXX XX/XX/2020. XXXX. XXXX XX/XX/2020. XXXX XXXX. XXXX Authorized Charges : date : merchant : amount : XX/XX/2020. XXXX XXXX. XXXX XX/XX/2020. XXXX. XXXX XX/XX/2020. XXXX. XXXX XX/XX/2020. XXXX. XXXX I am requesting advocacy in attempts to finally put this issue to rest and so that Chase will no longer torment my life. I can be contacted by email, by regular mail, or by phone and i will provide this information at the time of your request. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX | ||||||
| 07/14/2022 | Yes |
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| XX/XX/XXXX Dear CFPB representative, Re : JPMorgan Chase Banks repeated Error and Violations regarding Error Resolution in accordance with Regulation E when notice of error is given. I would like to ask CFPB for assistance in addressing JPMorgan Chase Banks violations of REGULATION E and FEDERAL CONSUMER PROTECTION LAWS. JPMorgan Chase Bank and XXXX violated REGULATION E and also acted in unfair, unlawful, bad faith, and unethical business practices. Please assist in enforcing that JPMorgan Chase Bank as my financial institution provide proper Errors Resolution and follow procedures outlined under REGULATION E. I am requesting CFPB for assistance because JPMorgan Chase Bank failed to provide me with errors resolution in accordance with Regulation E on 4 separate notices given to them, and JPMorgan Chase Bank has refused to discuss or explore this matter further. I was fraudulently induced by one individual in 4 EFT transfers with errors on XX/XX/XXXX. These fraudulently induced 4 EFT errors occurred using XXXX through Chase Mobile Banking. These fraudulently induced 4 EFT errors transfers involved 3 JPMorgan Chase bank accounts covered by EFTA regulations and Regulation E. Total sum amount of {$8500.00} for these 4 EFT errors. I notified JPMorgan Chase bank by calling JPMorgan Chase banks EFT errors reporting phone number regarding these 4 EFT errors induced by fraud and spoke to representative XXXX on XX/XX/XXXX, spoke to representative XXXX on XX/XX/XXXX, and spoke to supervisor representative XXXX on XX/XX/XXXX. I also notified JPMorgan Chase Bank by sending written notice for these 4 EFT Errors induced by fraud to JPMorgan Chase banks EFT errors mailing address and by fax on XX/XX/XXXX. JPMorgan Chase Bank have been non responsiveness and have not even acknowledged or addressed my written notice of errors sent on XX/XX/XXXX. To date, I have not received any response back to my written notice of these errors. I notified JPMorgan Chase bank of these 4 EFT errors in a timely manner, and notified them within 30 days of these EFT errors transaction date. This is within the 60 days as required under Regulation E. However, JPMorgan Chase bank violated Regulation E and failed to provide errors resolution accordingly. There are AT LEAST 10 IDENTIFIED VIOLATIONS of REGULATION E, and 15 USC CHAPTER 41, SUBCHAPTER VI by JPMorgan Chase Bank. The details relating to the ERROR and VIOLATIONS by JPMorgan Chase Bank regarding these 4 EFT errors transfers are outlined below. Notice of error being given to JPMorgan Chase Bank : ERROR OF NOT PROVIDING REQUESTED DOCUMENTATION AND ADDITIONAL INFORMATION WITH THESE ERRORS DETERMINATION. This is a qualifying error under Regulation E and 15U.S.C. 1693f ( f ) Acts constituting error, ( 6 ) a consumer 's request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter. Reference : 15U.S.C. 1693f. ( f ) https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Brief summary of these 4 incidents and issue with giving notice of errors to JPMorgan Chase Bank : 1.On 3 separate calls on XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, I gave notice of errors regarding these 4 EFT errors induced by fraud. JPMorgan Chase Bank denied to conduct reasonable investigation of these errors because these errors are XXXX transactions. JPMorgan Chase Bank representatives refused to reasonably investigate these 4 EFT errors even after being contacted multiple times. 2.Letters of resolution sent to me on XX/XX/XXXX and XX/XX/XXXX regarding these errors were fraudulently stated and incorrect. JPMorgan Chase Bank refused to correct and provide errors resolution letter in accordance with federal laws and Regulation E. 3.JPMorgan Chase Bank repeatedly violated Regulation E and refused to provide correct errors resolutions required under Regulation E. 4.JPMorgan Chase Bank also failed to include statement of consumer right to request documentation in all letters of resolution sent to me on XX/XX/XXXX and XX/XX/XXXX. JPMorgan Chase Bank also failed to provide documentation and results as requested. I requested multiple times for documentation and explanation, and never received them. Error under Regulation E. These 3 calls and my request for documentation were not to ask for duplicate copies of documentation that has already been provided. JPMorgan Chase Bank simply refused to provide an explanation with information for the determination of these errors that is factual and in accordance with federal laws and Regulation E. 5.I even sent a written notice of errors for these 4 EFT errors transfers with detailed information on the alleged error and violations, all 3 account information, transaction record of these errors, as well as other supporting documents to JPMorgan Chase Bank on XX/XX/XXXX. It was sent with written notice of errors for my qualifying small business account, both mine and my husbands personal accounts that are covered by EFTA regulations and Regulation E. ( Note : correction to original written notice I sent to JPMorgan Chase Bank on XX/XX/XXXX. Upon reading EFTA definition of qualifying accounts, my small business account is also covered by EFT regulations. Therefore, all 3 accounts are covered by Regulation E. ) HOWEVER, to this date JPMorgan Chase Bank never responded to my written notice of these errors sent on XX/XX/XXXX. VIOLATION 1. First notice of errors for these 4 EFT errors due to fraud inducement were given to JPMorgan Chase Bank orally by phone on XX/XX/XXXX. JPMorgan Chase Bank did not perform or provide reasonable investigation with determination and results for these errors reported. JPMorgan Chase Bank sent these letters of resolution to me on XX/XX/XXXX, the same day I gave my notice for these 4 EFT errors. This is a violation of Regulation E and 15U.S.C.1693f ; 12 C.F.R. 1005.11. JPMorgan Chase Bank needed to have conducted reasonable investigation with review of all relevant records and documents prior to determination of the alleged error. JPMorgan Chase Bank failed to provide errors resolution in accordance to XXXX XXXX ( Please see attached letters of resolution from JPMorgan Chase on XX/XX/XXXX and XX/XX/XXXX and my written notice to errors sent to JPMorgan Chase Bank on XX/XX/XXXX for more details. ) JPMorgan Chase Bank violated investigation procedures and requirements for error resolutions. According to 15 USC Chapter 41, Subchapter VI, these violations include : Violation of 15 USC Chapter 41, Subchapter VI ; 1693f ( e ) Treble Damages. Violation entitles consumer to treble damages determined under 1693m ( a ) ( 1 ) 1 of this title. Reference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim VIOLATION 2. Letters of Resolution from JPMorgan Chase Bank included erroneous, and fraudulent statements as explanations for these errors investigation . Letters of errors resolution from JPMorgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX included these statements below. These letters of explanation from JPMorgan Chase Bank for these 4 EFT errors investigation stated : As we discussed and agreed, no action will be taken. This inquiry is now resolved. I did not discuss and agree, no action will be taken. I specifically asked for an investigation for these errors. These statements provided as reasons determining these errors give the impression that I withdrew from errors reporting, which I have not. These statements are entirely fraudulent and deceptive. These letters and statements of explanation is in violation under REGULATION E and 15U.S.C.1693f ; 12 C.F.R. 1005.11. This violation is also explained in more detail and can be found under section 2.3.3 Violation of error results notice requirements from CFPB - SUPERVISORY HIGHLIGHTS, ISSUE 22 - SUMMER XXXX. According to CFPB 2.3.3 Violation of error results notice : To give purpose to both obligations, the meaning of an explanation is not synonymous with that of a determination. Financial institutions must go beyond just providing the findings to actually explain or give the reasons for or cause of those findings. Reference : CFPB - SUPERVISORY HIGHLIGHTS, ISSUE 22 - SUMMER XXXX https : //files.consumerfinance.gov/f/documents/cfpb_supervisory-highlights_issue-22_2020-09.pdf Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 3. All letters of resolution for errors investigation on XX/XX/XXXX and XX/XX/XXXX from JPMorgan Chase Bank also failed to include the statement of consumer right to request documentation in these letters. This is a violation of REGULATION E and 15 USC CHAPTER 41, SUBCHAPTER VI ; 1693f. Error resolution section ( d ) Absence of error ; finding ; explanation. Reference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 4. JPMorgan Chase simply refused to provide documentation I requested. All 3 representatives from the 3 phone calls all stated that they dont do that and that is not JPMorgan Chase Banks policy or procedure. JPMorgan Chase Bank representatives stated that this letter of resolution sent on XX/XX/XXXX and XX/XX/XXXX is the only letter they provide to all consumers regarding XXXX EFT errors. Reference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a VIOLATION 5. After 3 phone calls giving notice of errors with no resolution in accordance to EFT regulations and Regulation E. I mailed and faxed written notice of these errors to JPMorgan Chase Banks EFT errors department on XX/XX/XXXX. To this date, I have not heard back with any response of any kind from JPMorgan Chase Bank. ( Please see attached for delivery confirmation of faxed and mailed written notice. ) JPMorgan Chase needed to have responded to this written notice of errors sent on XX/XX/XXXX within 10 business days. If they needed more time for these errors investigation, JPMorgan Chase still was required to provide conditional credit for these errors within 10 business days. If investigation includes a different error, JPMorgan Chase Bank needed to provide information on these different errors and where to report them. If investigation includes errors, JPMorgan Chase needed to have provided correction for these 4 EFT errors within 1 business day and credit my accounts for the total sum of {$8500.00} for these 4 EFT errors. JPMorgan Chases failure to acknowledge and conduct investigation for these errors and not providing documentation when requested is an ERROR in itself under Regulation E, and EFTA. 15U.S.C.1693f ; 12 C.F.R. 1005.11. Reference : 15 USC CHAPTER 41, SUBCHAPTER VI ; https : //uscode.house.gov/view.xhtml? path=/prelim @ title15/chapter41/subchapter6 & edition=prelim Reference : 1005.11 Procedures for resolving errors. https : //www.consumerfinance.gov/rules-policy/regulations/1005/11/ # a Reference : 2019-BCFP-0001 Document 1 Filed 01/03/2019 https : //files.consumerfinance.gov/f/documents/bcfp_usaa-federal-savings-bank_consent-order.pdf JPMorgan Chase Banks other violations : VIOLATION 6 . JPMorgan Chase Bank violated 15U.S.C.1693g. ( b ) burden of proof. Which requires the financial institution to provide proof showing error or no error exist regarding consumers alleged error when notice of error is given. VIOLATION 7. JPMorgan Chase Bank also violated the time limit of 10 business days to provide response and resolution to consumer regarding notice of errors in accordance to Regulation E and 15U.S.C.1693. JPMorgan Chase Banks failure to respond in its entirety of written notice given to them on XX/XX/XXXX exceeds time limit required by Regulation E. This failure from JPMorgan Chase Bank requires them to correct these errors for the total amount within 1 business day by crediting my 3 accounts for the total sum of {$8500.00} for these errors. 15U.S.C.1693m. ( a ) ( 1 ). VIOLATION 8. JPMorgan Chase Bank violated Regulation E when they refused to investigate these errors initiated by fraudulently induced consumer. Regardless of Consumer Negligence, JPMorgan Chase Bank is required to provide reasonable investigation and can not deny conducting errors investigation. VIOLATION 9. JPMorgan Chase Bank violated Regulation E and 15U.S.C.1693 error resolutions by refusing and denying investigation because of JPMorgan Chase Banks disclosure of waiver of consumer rights as a reason. VIOLATION 10. JPMorgan Chase Bank violated Regulation E and 15U.S.C.1693 by failing to reassert these errors when I notified them of a new error, an error resulting from JPMorgan Chase Banks letter of resolution sent to me. JPMorgan Chase Bank violated regulations by failing to provide correction of these errors with crediting my accounts for the total sum of {$8500.00} within 1 business day as required under Regulation E and 15U.S.C.1693m. ( a ) ( 1 ). I am requesting CFPB for assistance with enforcing JPMorgan Chase Bank provide correction for error made by JPMorgan Chase Bank in accordance to Regulation E and 15U.S.C.1693m. ( a ) ( 1 ). Given all these violations and JPMorgan Chase Banks ERROR OF NOT PROVIDING REQUESTED DOCUMENTATION, I am entitled to get the total sum of these errors credited back to my 3 accounts from JPMorgan Chase Bank within 1 business day. I have attached the following documents : 1.Letters of resolution containing qualifying ERROR caused by JPMorgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX. 2.My letter of explanation for these 4 EFT errors in my written notice of ERROR sent to JPMorgan Chase Bank on XX/XX/XXXX. 3.My account information for all 3 accounts and Transaction date information and amounts for these 4 EFT errors . 4.Fax confirmation and mail confirmation of written notice of errors sent to JPMorgan Chase Bank on XX/XX/XXXX. I also have a record of the call on XX/XX/XXXX with JPMorgan Chase supervisor representative XXXX, who refused to start errors investigation that is reasonable for these 4 EFT errors and denied documentation request. JPMorgan Chase Banks Supervisor, Representative XXXX also stated that they will not provide error resolution letter that contains any other explanation. This is the letter sent to all consumers calling about these errors with XXXX. That this is JPMorgan Chase Banks policy and nothing can or will be done to assist me with these errors investigation. | ||||||
| 09/22/2021 | Yes |
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| Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, and it contributes to the number of personal bankruptcies, marital instability, loss of jobs and invasion to individual privacy. Fact, the Fair Debt Collection Practices Act states that existing laws and procedures for redressing these injuries are inadequate to protect consumers. Fact, the Fair Debt Collection Practices Act noticed abusive debt collection practices are carried to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. Fact, the Fair Debt Collection Practices Act is intended to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that CHASE is in violation of 15 USC 1692b ( 2 ) because Congress states any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. CHASE states I have a new balance of {$5600.00} and minimum payment due {$150.00}. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that CHASE is in violation of 15 USC 1692b ( 4 ) because Congress states that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not communicate by post card. CHASE sent this form with their address on it. Fact, affiant is aware and has proof in the attachment labele d Exhibit A and Exhibit B CHASE is in violation of 15 USC 1692b ( 5 ) because Congress states any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not to use any language or symbol on any envelope or in contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. CHASE and XXXX logo on the form. Fact, affiant is aware and has proof in the attachment labeled Exhibit B that CHASE is in violation of 15 USC 1692d ( 1 ) because Congress states that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the use or threat or use of XXXX or other criminal means to harm the physical person, reputation, or property of person. CHASE states my account is currently closed, which harmed my reputation by taking away my credit limit that is used to pay for my lifestyle. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that CHASE is in violation of 15 USC 1692d ( 2 ) because Congress states that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. On this form, CHASE states a late payment warning if the minimum payment isnt received by the payment above, I will have to pay a late fee up to {$39.00} which is an obscene statement towards me. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that CHASE is in violation of 15 USC 1692e ( 2 ) ( a ) because Congress states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the false representation of the character, amount, or legal status of any debt. CHASE states that I have a new balance of {$5600.00} and minimum payment due {$150.00}. The characters or amount are displayed in a positive amount, which means I am owed money and not have to pay. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that CHASE is in violation of 15 USC 1692f ( 1 ) because Congress states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. CHASE states that I have a new balance of {$5600.00} and minimum payment due {$150.00}. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that CHASE is in violation of 15 USC 1692f ( 8 ) because Congress states a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : not to use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. CHASE and XXXX logo or symbol is on the form. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit B that CHASE is in violation of 15 USC 1692j ( a ) because Congress states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. CHASE is attempting to collect debt from me. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that CHASE is in violation of 15 USC 1602 ( f ) because Congress states the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As the original creditor, I granted CHASE the credit using my social security number. I should not have to pay or owe CHASE, for the credit I granted to them. Fact, affiant is aware and has proof in the attachment labeled Exhibit A CHASE is in violation of 15 USC 1602 ( j ) because Congress states the terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. As the original creditor, I have an open end credit plan, which means I can be granted unlimited access to any credit limit. Fact, affiant is aware and has proof in the attachment labeled Exhibit A and Exhibit C that CHASE is in violation of 15 USC 1602 ( p ) because Congress states the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. CHASE states a minimum payment due {$150.00}. and it is an unauthorized use of CHASE collecting payments from me. Fact, affiant is aware and has proof in the attachment labeled Exhibit A that CHASE is in violation of 15 USC 1605 because Congress states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. CHASE is charging me a monthly fee and it is unlawful to do so, because the finance charge is the sum of all charges. Fact, affiant is aware and has proof in the attachment labeled Exhibit A, and Exhibit B that CHASE is in violation of 15 USC 1605a ( 1 ) because Congress states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : 1. Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. CHASE charged me interest on this bill which is unlawful. Fact, affiant is aware and has proof in the attachment labeled Exhibit a that CHASE is in violation of 15 USC 1611 because Congress states whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. CHASE did not disclose any information regarding the finance charge, which is a criminal liability violation under this act. Fact, affiant is aware and has proof in the attachment labeled Exhibit C that CHASE is in violation of 15 USC 1666 ( b ) ( 1 ) because Congress states the purpose of this section, a billing error consists of any of the following : ( 1 ) a reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. CHASE sent me a bill in positive characters of, new balance {$5600.00} and minimum payment due {$150.00}. This is a billing error, because if I am owed, it should always be in negative characters. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. | ||||||
| 06/05/2022 | Yes |
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| Account Number Related to this complaint : XXXX Account has since been closed but funds are still owed This complaint is being filed in regards to Chase Banks refusal to release {$12000.00} in insurance claim funds that it received from my homeowners insurance company three years after it had itself inspected the property and determined all repairs had been 100 % complete. As I will explain neither the courts or the Deed of Trust associated with my loan afforded it the legal right to withhold these proceeds and the written explanations provided to me as to the basis for its decision to withhold these funds is unsupported by the records and evidence. I did provide Chase with a notification of error report regarding this matter and received a response stating that it would provide me with a written decision by XX/XX/XXXX of last year but a month passed and not response was provided. I tried contacting a representative of The Chief Executive Office of Chase via the contact number provided on the letter I had received stating it would respond by XX/XX/XXXX but no calls were ever returned. Eventually I did manage to make contact with the person who was suppose to have been assigned to my request and she was very nice. After a short time she was in agreement with me that Chase had been incorrect in refusing to release the funds but stated that she wished we had spoke sooner as too much time had passed and a decision had been made. I asked if she could reopen the request now that she had a better understanding of what took place and agreed that the funds should have been released and shes informed me that she did not have the authority to do so. I asked her if I was really going to have to file a lawsuit in order to collect the proceeds that she was now aware should never have been withheld and she stated unfortunately Im afraid so. It is my hope that through this complaint my request may potentially be forwarded to the correct person that has the authority to reopen my request for reimbursement and resolve this issue without the need for litigation. My request is as it has always been and thus I am requesting reimbursement of the {$12000.00} in question plus interest at annual rate of 10 % for the loss of use associated with these funds dating back to XXXX of XXXX when Chase was obligated to have released the proceeds. I have provided a more detailed version of the events In the paragraphs that follow and within this explanation have made reference to the supporting documents that have been attached. I filed a homeowners insurance claim in XXXX of XXXX and $ XXXX in repair funds were released by the insurance company to conduct repairs. Because my home loan was with Chase the insurance proceeds were first disbursed to Chase who then released the proceeds as it inspected and determined work was being completed. In XXXX of XXXX the records show that Chase inspected the property, deemed all repairs 100 % complete and shortly thereafter released 100 % of the $ XXXX in repair funds that had been provided to it by my insurance company XXXX XXXX XXXX XXXX XXXX ). Chase has never once denied that it determined repairs to have been completed in XXXX and I have provided a copy of the inspection report as SD # XXXX. Although the repairs were completed the $ XXXX in proceeds was not sufficient to cover the cost of these repairs resulting in my having to pay out of pocket for many of the repairs. As a result I requested additional funds from the insurance company to reimburse me for these out of pocket costs. In XXXX the first disbursement of supplemental proceeds was issued by the insurance company and again Chase received these funds. Chase immediately released this first supplemental payment without issue. The second disbursement of supplemental funds was issued in XXXX of XXXX and the {$12000.00} in proceeds were this time withheld by Chase. The explanation provided in writing by Chase in summary stated that it had withheld the proceeds due my having failed to provide the documents necessary to allow for the release of such funds. The written notice provided by Chase regarding its reasoning for withholding these funds has been attached and labeled XXXX XXXX XXXX A review of the document shows Chase to have stated that it would release the funds in question once I provided it with an inspection report confirming the completion of repairs, a promise to complete repairs and a list of other documents that I clearly had to have already provided in order for Chase to have already previously released {$82000.00} to me after confirming all repairs were completed. And of course it is simply absurd for Chase to have claimed that it was waiting on me to provide an inspection report to confirm the completion of repairs and a promise to complete repairs given that Chase had already provided itself with this inspection report 3 years earlier which of course confirmed all repairs to have been completed thus also making it absurd to have alleged that it was waiting on me to provide a statement promising to complete such repairs. I attempted countless times to have the funds released by contacting the escalation department and each time I did the supervisor I requested to speak to would agree that Chase had deemed all repairs to have been completed and thus he or she would tell me that a request for the release of funds was being submitted. Each time I would receive a written response that was identical to XXXX XXXX XXXX. . To try and resolve the issue related to the withheld funds I provided Chase a notification of error letter explaining the obvious illegal nature of its withholding of supplemental insurance funds it had received three years after confirming all repairs to have been completed and received a quick response stating that it would provide me with an answer by XX/XX/XXXX. A month or so passed with no response from Chase so I proceeded to begin making phone calls to The Chief Executive Office of Chase and never received a response. I eventually spoke to a representative who was not actually assigned to my complaint but was able to inform me that the records indicated that I had been provided with a written response to my notification of error letter on XX/XX/XXXX. He proceeded to read the response to me over the phone and after confirming that Chase had mailed to an address had lived at 12 years earlier he had a copy sent out to my actual current address. I have attached a copy of the XX/XX/XXXX response to my notification of error letter for your reviews and labeled it as XXXX XXXX XXXX The first portion of the letter addresses a separate topic related to Chases illegal cancellation of the loan modification plan that I had been forced to apply for as a direct result of the financial issues that were caused by XXXX refusal to release the funds in question. The portion of the response relevant to the withheld funds has been circled for you and in reviewing this the response by Chase you can see that it essentially said absolutely nothing about the {$12000.00} in supplemental claim funds that it received in XXXX of XXXX despite my having specifically provided a detailed explanation as to why it was obligated to have released such funds. Instead it simply summarizes the events that had occurred three years before it received and chose to illegally withhold the funds in question. It does have some significance to this complaint as it shows Chase to have itself confirmed the fact that it had personally conducted an inspection and determined that all repairs had been completed in XXXX of XXXX while also noting that it released the funds shortly thereafter as a result. Unbelievably yet believably this letter failed to in any way actually address the issue pertaining to XX/XX/XXXX supplemental funds it received and withheld. I spent the next couple of weeks calling and being forwarded to a voicemail box that stated I would receive a call back in one business day but of course I never received any return call. Eventually I was fed up and refused to be transferred to the voicemail again demanding I speak to someone and to my surprise I learned that the only way to get someone to speak to you was by being rude and angry. I was connected to a very nice representative who stated she worked directly for The CHief Executive Office of Chase. After discussing the issue with her for no more then 10-15 minutes she was completely in agreement that Chase had made a mistake in failing to release the funds in question and could provide no explanation for the odd XX/XX/XXXX response from Chase that simply summarized the first year of my insurance claim rather than responding to my inquiry regarding the withholding of the funds it received in XXXX. Despite fully agreeing with me regarding the error Chases had made in withholding the funds she never the less proceeded to tell me that she really wished she had spoke sooner as she claimed that a decision had already been made and she had no ability to correct the error. I asked if Chase was really going to make me file a lawsuit to collect these funds she herself agreed should have been released 4 years earlier and in response she stated unfortunately Im afraid so. Again she was very nice and thus it was hard not to believe her but I none the less have a hard time believing there is not way to reopen a request in light of the obvious irrefutable nature of my dispute as doing so would certainly be a much more cost effective method resolution then requiring me to sue to collect the funds. It should be reiterated that this representative of The Chief Executive Office of Chase ( I have the name somewhere if needed ) did not in any way dispute my argument and in fact was very apologetic and seemed to feel a bit stupid for having been confused by the issue prior to our conversation. Of all the supervisors and other representatives of Chase that I have spoken too in regards to this matter I can honestly say not one single person I have spoken with actually disagreed with me regarding Chases obligation to have released the funds and the reason for this is because it requires nothing more than simple logic and common sense to recognize that Chase did not have the right to withhold supplemental insurance claim funds that it received three years after confirming all repairs to have been completed and thus after confirming that its security interest risk had been eliminated by the home being returned to its pre loss condition. The funds were intended to be provided to me in order to reimburse me for the out of pocket costs associated with those repairs that Chase confirmed I had completed years earlier and which again eliminated its security risk entirely. The last document I have included is the relevant page of the Deed of Trust ( XXXX # XXXX ) and I have placed stars next to the section that addresses when Chase is legally afforded the right to withhold insurance claim funds. It states that it may withhold funds if there is a written agreement, if the repairs are not feasible and/or if Chase would have its security interest lessened by releasing such funds. It explains that at least one of those circumstances needs to be present in order for funds to be withheld and yet there was no written agreement, the repairs were confirmed 100 % by Chase itself thus clearly feasible and last Chase confirmed the home to have been returned to its pre loss condition by confirming all repairs were 100 % complete which in turn makes it literally impossible for its security interest to have been lessened through the release of such funds. To assure no confusion regarding the lessening of security interest it should be reiterated that in order for it to have been possible for Chase to have had its security interest lessened through the release of funds in question it would have had to be possible for me to have not completed the repairs necessary to return the home to its pre loss condition. Again Chase confirmed the home to have been returned to its pre loss condition three years prior to withholding the funds when it confirmed repairs to have been 100 % completed. As such it is simply irrefutable that the Deed of Trust very specifically states that one of the listed circumstances needed to be present and they undeniably were not. Again not one person from Chase that I have spoken to has actually made an attempt to argue that Chase had the right to withhold these proceeds and this is because my argument is simply irrefutable. In conclusion I want to directly state the following to Chase : This is my final demand that the withheld funds and associated interest be issued to me. Failure to do so will force me to file suit to collect these proceeds and if forced to do so over funds that are so clearly owed to me then I will do so in pursuit of all damages legally available to me. As such I will ask the court to award damages for legal fees, for unnecessary costs incurred in connection with the blatant breach of contract associated with the canceling of my modification plan and more specifically in connection with its subsequent illegal foreclosure activities that nearly resulted in my house being auctioned off. As previously explained to Chase this illegally conducted foreclosure that was conducted resulted in my having to obtain a new residence, move personal property and relocate some family pets and thus if litigation becomes necessary I will request damages for the related costs, and unnecessary emotional stress that my family was forced to incur as a direct result of Chases numerous and blatant acts of bad faith. However because the home was not ultimately illegally auctioned off at the end of the day and because I would like to put this matter behind me I am willing to settle these matters via fulfillment of the demand for claim funds plus interest. Because I have spoken to a representative of The Chief Executive Office of Chase who along with every other representative I spoke too agreed that the funds should never have been withheld it is my hope that this issue may be resolved by simply forwarding this complaint to the appropriate person who is authorized to reopen my request to provide these illegally withheld funds rather than forcing me to file suit in order to open dialogue with Chase over this matter. I have a difficult time believing that Chase would prefer that I file a lawsuit to collect these funds given the irrefutable nature of the evidence and the obvious risk of my receiving a judgement that far exceeds the reasonable demand for payment I have presented. Thank you for taking the time to read this and for any help you may be able to provide. XXXX XXXX | ||||||
| 01/14/2023 | Yes |
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| Issue : On the official application page for the Chase Freedom XXXX Credit card it showed this verbiage below on XX/XX/XXXX. " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. * XXXX, earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) * on up to {$12000.00} spent in the first year ( that's {$600.00} cash back! ). * This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. '' I applied for the Chase Freedom XXXX credit card by logging in to my Chase account and using the official Chase portal on XX/XX/XXXX. I specifically applied for this card knowing I am eligible for both introductory offer, as I have never had " ... this card before and have not received a new cardmember bonus for this card in the past 24 months '' as stated by the official Chase Freedom XXXX credit card application website. Screenshot available in page XXXX of the attachment " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..pdf '' When I was approved for this card, I was taken to a confirmation page where I received confirmation that I have been approved to get both the 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year IN ADDITION to the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months from opening my new Chase Freedom XXXX XXXXXXXX account with Chase. However, when I received my new Chase Freedom XXXX credit card in the mail, it only showed the {$200.00} introductory sign-up bonus in the account but it was missing the 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first-year offer. When I activated my new Chase Freedom XXXX credit card, my account showed the {$200.00} introductory sign-up bonus but again the 5 % cash back on grocery store offer was still missing, even though I was approved for both offers per the confirmation page right after my Chase Freedom XXXX XXXX application online on XX/XX/XXXX. I have received {$200.00} sign-up bonus in my Chase Freedom XXXX account but I still do not have the 5 % cash back on grocery store purchases in the first year offer which I was eligible and approved for by Chase. Chase has been refusing to honor the missing 5 % cash back on grocery store purchases in the first year offer on my account even when the offer was available at the time of application and I was eligible per the Chase website and I was approved via the confirmation page. Actions and Responses : I have reached out to Chase multiple times to resolve this issue without any avail. I was provided with vague responses along with false and incorrect reasons to why I am ineligible for the offer and why the offer was not appearing on my account. On XX/XX/XXXX, I spoke to a Chase Customer Service Specialist who mentioned the 5 % sign up grocery bonus for the first year offer is already applied to my Chase Freedom XXXX card but will not show up anywhere. I will be automatically getting the 5 % back on grocery store purchases as points for first year when I make eligible purchases. This did not happen after I made multiple grocery store purchases and I did not receive the 5 % grocery store cash back bonus on my new Chase Freedom XXXX card account. On XX/XX/XXXX, I spoke to a Chase Customer Service Specialist who mentioned the 5 % cash back grocery bonus for the first year offer should be appearing on my account. They did not know why it was not appearing and they escalated this issue to their Marketing and Research team to see why the sign-up bonus of 5 % cash back on grocery store purchases for first year was not applied and appearing on my Chase Freedom XXXX Card as it should be. The agent said I would be receiving a response in XXXX to XXXX business days in mail. On XX/XX/XXXX, I did not receive a response in mail from Chase yet and my Chase Freedom XXXX card account was still missing the 5 % cash back on grocery store purchases for first year offer. I reached out to Chase and spoke to another Chase Customer Service Specialist. They said I am ineligible because the " 5 % cash back on grocery store purchases for first year '' offer was not available at the time of my application for the Chase Freedom XXXX credit card and only the {$200.00} offer was available. I explained that this is incorrect. The same offer has been available before my time of Chase Freedom XXXX credit card application and was available when I applied and is available on the official Chase website as of XX/XX/XXXX. I also explained that I meet the eligibility criteria as stated per the official Chase website and received confirmation of approval for {$200.00} bonus and the 5 % cash back on grocery store purchases for first year offer after my application. The agent said they have re-escalated the issue and I will be receiving a response. On XX/XX/XXXX I received a letter from Chase dated on XX/XX/XXXX regarding the conversation I had with the Chase Customer Service Specialist on XX/XX/XXXX which said, " As per your application details, the enrollment offer for the account was for XXXX points after spending {$500.00} in purchases within the first three months of opening your account. ... ... ... ... ... ... ... ... ..We are unable to match the offer to receive 5 % on grocery store purchases in the first 12 months of account opening with a spending cap of {$12000.00}. '' I have included the letter as an attachment for full details. Chase claims the enrollment offer for the account was for the {$200.00} sign bonus only and Chase is unable to apply the missing offer. This is incorrect, as I specifically applied for the Chase Freedom XXXX credit card when both offers were available on the Chase official website on XX/XX/XXXX and the account is eligible per the Chase official website. The whole issue is because the 5 % cash back on grocery store offer for the first year is missing from my account when it should be available. There were not any additional enrollment steps for 5 % cash back on grocery store purchases offer other than just applying for the Chase Freedom XXXX card on the Chase Freedom XXXX card application page. See attachment " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..pdf '' On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX in reference to a conversation with a Chase supervisor regarding the Freedom XXXX credit card account which said " We reviewed your credit card account above and confirmed the offer you applied for is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months from account opening ... ... ... ... .Unfortunately, your account isn't eligible to receive 5 cash back on grocery store purchases. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I have included the letter as an attachment for full details. Chase again falsely claims I applied for the ( {$200.00} ) XXXX bonus points only and my account is not eligible to receive the 5 % cash back on grocery store purchases first year. This is again incorrect, as stated above I specifically applied for the Chase Freedom XXXX credit card when both offers were available on the Chase official website. There were not any additional enrollment steps for 5 % cash back on grocery store offer other than just applying for the Chase Freedom XXXX card on the Chase Freedom XXXX card application page when both offers were available. Chase keeps using circular logic in their response saying I only applied for the ( {$200.00} ) XXXX bonus points only offer only when I applied for both. Any reasonable individual, looking at Chase Freedom XXXX credit card application website will assume that the application for the credit card automatically applies for both offers as stated by the Chase website unless stated otherwise. Here is how it appears. " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. * XXXX, earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) * There were no statements made otherwise on the credit card application webpage which mentioned it was one offer or the other when approved. The verbiage also includes " XXXX '' for both offers. On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX which said, " Upon reviewing your account, we see that the offer you requested for was never enrolled, hence you did not qualify for it. We are unable to honor your request and apologize for the inconvenience this may have caused. '' I have included the letter as an attachment for full details. Chase in this response says the offer was never enrolled so I did not qualify for it. Chase does not explain what is required to have offer enrolled, why the offer was not enrolled, who needed to enroll the offer and why I did not qualify for it. Chase provided vague responses to dismiss the issue and not honor the promotional offer advertised on their website. If Chase is claiming the offer was not available at the time of my application, then it is false and incorrect as both offers were available at the time of my credit card application and I was approved for both offers by Chase. If Chase is claiming, there were additional steps to enroll into the 5 % cash back on grocery store purchases offer, there were no information or steps mentioned on the Chase Official website or on the Chase credit card application page that needed to be completed by me to be enrolled for both offers other than just apply for Chase Freedom XXXX credit card. I spoke to a Chase escalation supervisor and explained the issue again and how I have received approval and am eligible per the Chase website and the offer was available at the time of my application which is why I specifically applied for the card. The supervisor said that they are not able to do anything as the decision has been made already by the Marketing and Research team and the only next step would be to send a physical mail or send a fax to the Chase Correspondence team to resolve this issue. Per the supervisor, the Chase Correspondence team does not have a direct phone number I can use to contact them and can only be contacted by physical mail or fax provided. I compiled a document with screenshots dates and proof that both offers were available before, at and after the time of application along with all the past contacts with Chase for the Chase Correspondence team to resolve the issue. On XX/XX/XXXX. I sent a physical mail to the Chase Correspondence team with delivery tracking confirmation so Chase is not able to claim they never received the letter just like they are claiming the 5 % cash back on grocery purchases for first year offer on my application was never there. On XX/XX/XXXX, I received a letter from Chase dated on XX/XX/XXXX, in response to my physical mail which said " Your account is not eligible for the offer you requested ... ..Although your account isn't eligible for the new offer your requested, the original offer is still available to you. We encourage you take advantage of your original offer Your original offer is XXXX bonus points after you spend {$500.00} purchases in the first 3 months your account is open ... .. '' I have included this as an attachment. See Physical Mail Sent to Chase Correspondence team.docx for full details and screenshots. Chase Correspondence team again disregards all proof and screenshots I provided to show that offer was available when I applied and says my account is not eligible to not honor the promotional offer.Chase also does not provide any legitimate reasons to why my account is not eligible, as there are none. As stated per the Chase Freedom XXXX credit card application website, my account is eligible, since I have never had the Chase Freedom XXXX card before and have not received a new Chase Freedom XXXX cardmember bonus for this card in the past 24 months. Proof and Screenshots : I do not have screenshots of the Chase offer and confirmation from the day of application since I have never had issues with Chase before for my other credit cards and had no reason to suspect there would be an issue. I specifically applied through the official Chase portal and chose to apply for the Chase Freedom XXXX credit card on XX/XX/XXXX because of both " 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year and the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months '' offers available at the time of my application. When I submitted my credit card application, I was taken to a page where it showed I was approved for the Chase Freedom XXXX credit and for both 5 % cash back on grocery store purchases on up to {$12000.00} spent in the first year and the {$200.00} bonus after I spend {$500.00} on purchases in the first 3 months offers.The same offer is available currently as of XX/XX/XXXX on the Chase Freedom XXXX credit card application website. Here are XXXX reputable websites with URL links that show when the both of the Chase offer was available. The 5 % grocery store cashback has been available before or from XX/XX/XXXX along with the {$200.00} bonus with the same introductory sign up bonus for Chase Freedom XXXX card as when I applied on XX/XX/XXXX. I have attached the screenshots in page XXXX and page XXXX in " Screenshots of websites and same Chase Freedom XXXX offer multiple dates..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the same offer has been available and is still available on the official Chase Freedom XXXX credit card application website on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. The screenshots are also available in the physical mail sent to Chase Correspondence team attachment in page 3, page 4 and page 5. Chase is directly ignoring all proofs I provided and their own eligibility criteria for the promotional offers on their own website to not honor the advertised promotional offers. Chase is misleading customers by falsely advertising promotional offers and eligibility criteria on the Chase official Freedom XXXX credit card website to get customers to apply for the card. Chase is then not honoring the promotional offers and claiming ignorance by saying my account is ineligible for the offer since the offer was not there at the time of my application which is false and untrue for all the reasons and proofs provided above. | ||||||
| 04/17/2019 | Yes |
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| In XXXX of 2019 I have begun to apply for different zero percent APR cards for my business that I have begun recently. As my credit was fairly good XXXX FICO of around XXXX ) I wasnt too worried. Chase Credit cards were one of the cards that I was interested in. I stopped by a branch at XXXX The XXXX XXXX XXXX XXXX CA XXXX and spoke with a banker named XXXX about different low APR options. He referred me to XXXX XXXX at XXXX XXXX XXXX XXXX CA XXXX as the business credit card manager at his branch was not present to help me apply for one of those cards. I followed his direction and in a few days visited XXXX. I explained my situation about starting a business and was in need of making purchases and was only interested in 0 percent APR credit cards due to my lack of revenue at the moment as business was only at its beginning stages and would not be able to pay off the debt right away. He discussed with me the different options for nearly half an hour to an hour and decided that a zero percent APR business card was available and that he can submit an application at the branch for me. He assured me of its different benefits but most importantly the 0 APR and balance transfer for 12 months. After finishing the application with him I waited for the response and after not hearing back a few days called customer service. They said the application was denied due to the naming (? ) of my business. I stopped by to see XXXX soon after as I was not exactly sure what the reason for denial was. He went over my application and made a phone call to card services and told them to retry the process as there was a misunderstanding. Soon enough I was told the 0 percent card was approved and I would be receiving it soon. Few days later after receiving the card I realized the card was not the zero percent APR card that I applied for but a 23 percent APR card. I went into the branch to speak with XXXX as this was not what I was informed I would be receiving and would actually be detrimental to my business that just begun. He assured me that there must have been a bank error somewhere as this was not what we discussed about nor applied for. He stated he will submit an escalation to corporate escalation team stating there must have been a bank branch error. However he also threw a question to me if I would just be interested in applying for the Zero APR balance transfer card that I was supposed to receive and then I could have two credit cards that may be useful in the future. I told him I am not interested as I have applied for other company credit cards with 0 APRs and did not want to keep getting hits on my credit score. He assured me then that he will continue to submit the escalation stating a bank error and the changeover would be of no problem. I was relieved as I had to continue making purchases for my business as the products for the prices I needed were only temporary and if I didnt make the purchases right away the products will not be available in the near future. After sometime I received a call from escalation department stating the changeover was denied and the reason was documents show that a 23 percent APR card was applied for not a Zero APR card and if I still wanted the change to the 0 APR card the manager of the branch, not a banker of the branch has to make a submission to them explaining that it was the branches fault. I relayed this information to XXXX and he reassured me he will bring that up to the manager and that it shouldnt be a problem. I was relieved to hear this as I already made purchases on my card. During this whole period I have also been asking for a copy of the application which I signed for as cards services escalation services was saying I somehow signed for a 23 % APR card ( although I was told by XXXX it was a 0 APR card I was signing for ) and also I wanted proof that it really was the case I signed for a 23 percent card not a 0 percent card. After weeks of multiple calls to the branch and customer service I still wasnt getting a final answer as to when the change will happen. I finally got a call from XXXX XXXX, Business Relations Chase, about this case and she finally told me that actually at the time of my application the 0 percent APR was not available for me and wasnt sure why I was asking for the 0 APR card. This is her email : XXXX, XXXX XXXX XXXX Mon, XXXX XXXX, XXXX PM ( 8 days ago ) Mr. XXXX Thank you for your time today. Based on my conversation with our Credit Card Department today. The options you have regarding your current credit card XXXX XXXX XXXX : You can call XXXX and request a product change to the XXXX XXXX however you will not receive the 0 % interest as this is for new applications. You can apply through chase.com for the XXXX XXXX credit card. Please ensure you see the promotion of 0 % interest before you apply. Thank you. With regards to the promotion being available at the time you were here for the 0 % interest on the XXXX XXXX. The promotion is available in the branch or through Chase.com. Kind Regards, XXXX XXXX stated they are not willing to make the change to a Zero APR card and that if I want I can apply for the card that is 0 APR. After receiving this email and speaking with her on the phone she stated the reason they can not switch me over is because that promotion was not available at that time. I told her that was not true that I had a long discussion with XXXX before signing up and told her I would stop by the branch. Soon after I stopped by the bank and XXXX the manager told me there was nothing they can do. I asked her that all she had to do was for her to send to cards escalation that it was a branch error, however she stated she cant do that as the bank never made an error. I told her that XXXX and I had a long discussion about getting the zero APR card when I was applying and she stated first that it was my fault I got the wrong card because I clicked on the wrong card when I was applying. I told her that was very absurd for her to say that because clearly no customer grabs the mouse from the banker when applying for the card ; only the banker during the process has control of the mouse. She realized her statement would not fly so she went on and stated it was my fault for signing the wrong document. I told her that while I was signing for the document I was conveyed by XXXX that it was the 0 APR card and that I assumed I would be getting the documents for this application. She then went on to tell me that she just spoke with XXXX and he does not recall ever telling me he was applying me for a zero APR card. I told her that that was a very clear lie and that if she even realizes that Javier submitted an official document to cards services escalation stating banker and customer discussed a Zero APR card and it was due to a bank error. She looked very stunned and speechless and was on the computer looking up things which I assume was the escalation XXXX submitted ( but I do not know for sure as she did not show me what she was looking at ). She started walking over to XXXX and I followed. She yelled at me to go sit down elsewhere so she can talk with XXXX privately. I did my best to be as close to them as possible without going into the booth to make sure they dont plan another ridiculous response. She saw me and told me to come over and while I was sitting there started asking XXXX if he ever told me that he was applying me for a Zero APR card. He looked as if he didnt know what to say and kept looking at XXXX the manager. After a few seconds and a staring session between the two he finally decided to say no I do not remember ever telling the customer of a zero APR card. She started yelling at me while there were other customers at the branch as to how they tried everything for the past month to help me and that I should leave as there is no more they can do for me. I left as I was stunned. Soon after I continued to make calls to see my application documents as I wanted to make sure if I was somehow signed up for a 23 % APR card or not. After numerous calls and visits to different branches ( I stopped by these places as I was not in my home area and was wondering if I can get help from then ) no one seemed to have access to this application. Several bankers stated this was not normal as they can see my applications for my other credit cards years ago but this application which was made recently was no where to be found. During this time I also was asking for the escalation report XXXX submitted stating it was a branch error that the customer received a 23 percent APR card not a 0 APR card. Each time I called customer service for this document to be sent to me they were able to pull that document up XXXX they read out what was written on that document to me and my roommate, XXXX XXXX, stating that it was a branch error ) and initially they said I would be receiving it in 7 to 10 business days. However I realized it was not arriving so I called again and now they changed their story stating that the manager will now not approve releasing this document. I was getting very frustrated and upset realizing that from the start they were not willing to change the card for me but stalled time for almost a month to exhaust me, the customer. I decided to go back to the branch that I applied the card for. Once I walked in I waited as I was next in line. After XXXX finished seeing his customer he came to me and briefly stated he cant help me anymore and that I should leave and soon after he grabbed the next customer and left me alone at the waiting area. I wasnt sure what to do because I really wanted and needed my documents of my application and the escalation report. I asked the tellers for help and they said they were told by XXXX the manager to not help me and there was nothing they can do. I spoke with a XXXX gentleman who was with Mortage division, explaining to him how no one was helping me. He was shocked that no one was so he went to the tellers asking what was going on and why no one was helping me. The tellers told him something and soon after he walked back to his booth without helping or speaking with me. There was one more banker there, an XXXX XXXX gentleman. I told him im not here trying to cause trouble, just please can you help me obtain these documents because I need them for my records. He got very upset at me and said that I was being trouble just by being there and told me that they already did everything for me and told me if I dont leave he is calling the police. I was shocked so I called corporate escalation about this situation and they assured me that the branch was supposed to help me. I relayed this information to the XXXX XXXX gentleman, however he said he didnt care and that the police will be here. I waited for the police and explained to them what happened that I was just here for documents which they were not willing to help me with. They officer XXXX sated that he would have done the same thing and that he didnt feel a need to file a criminal report as no crime was present. I asked him to at least write an incident report stating chase bank called the police on a customer asking for documents. He agreed and gave me records of the incident ( which I attached the picture to this submission ). After further investigation and dialogue I realized that XXXX wanted me to apply for multiple cards from the start as he gets commission for each card a customer signs up for ( this was confirmed with multiple other bankers from chase at different branches ). Initially this did not cross my mind as early on in this case, I did ask the chase branch which I applied for this card and they told me that they do not receive commission for new credit cards opened ( which turned out to be a lie ). Also I realized XXXX almost certainly can not have applied me for a wrong card unless he was XXXX in both eyes. I am conveying the ideal that XXXX knew from the start that I was getting a 23 percent card not a zero card. This thought is due to the fact of the process of the card application. As shown in documents/pictures uploaded, when the banker chooses which card to sign up for, there are clear pictures of the different cards and they are not spaced close together and the colors are not the same for each card. Someone who has been doing these applications for a long time should know the difference when seeing these pictures. Also the documents of the application which XXXX signed me up for has in bold on each page XXXX roughly 5-6 pages ) the name of the card that is being applied for. The bold names of each page should have been clear to him that it was not the 0 percent card which I received. Also I am very very concerned how everyone from the escalations department of chase, and the managers of customer service seem to be preventing me from getting my documents ( escalation report stating it was banks error, and application form that I supposedly signed that was 23 % APR not 0 percent. ). it has been over a month now, XX/XX/2019where I have been asking for this document. Every banker I go to at different branches cant seem to have access to it. Every time they call or I call everyone is stating somehow that application is not present anymore. My concern was that then how can they tell me they will deny my change to a zero APR card from 23 APR card because I signed for a 23 APR card when that document doesnt even exist? I feel there is a strong web of connections between different bank branches, customer service managers, escalation managers, who prevent customers from getting documents that are rightfully theirs. Also initially the all have been very friendly and on the surface wanting to help, but weeks and over a month passes and they leave you with no change and the only thing they say is we done everything we did and cant do anymore. I ask for reasons why the changes cant be made and no reason is given ( for example my change from 23 to 0 APR was denied because documents show I signed for a 23 APR card, however when I ask how they can make that conclusion when that document doesnt exist, or it is conveyed to me it doesnt exist so they cant give it to me, and they just say Im sorry we cant help you and chase just hangs up or calls police so I get banned from entering the branchXXXX XXXX I am submitting high suspicion of fraud, lying, and continuous covering up of fraud and lies at a very high level and wide scope at the expense of customer 's well being. | ||||||
| 06/21/2017 | Yes |
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| I am filling a complaint against XXXX XXXX XXXX/JPMorgan Chase Co. I have four primary complaints : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. paid a ticket I told them not to because I was contesting the ticket in court ( {$200.00} loss ) 2 ) XXXX XXXX XXXX/JPMorgan Chase Co. failed to offer me a free XXXX vehicle inspection when I was performing my end of lease buyout, as is guaranteed in the lease agreement ( $ XXXX- {$95.00} loss ) 3 ) XXXX XXXX XXXX/JPMorgan Chase Co. took ~4 months to send me my title after I purchased my vehicle, which resulted in the expiration of the XXXX vehicle inspection I paid for at the time I purchased my vehicle void ( expires after 90 days ), requiring me to get another XXXX vehicle inspection before I can buy tags for my car ( {$75.00} loss ) 4 ) XXXX XXXX XXXX/JPMorgan Chase Co. charged me {$710.00} in XXXX state taxes at the time I purchased my vehicle, but failed to mail me a check for {$710.00} for me to purchase my title or transfer my title to XXXX for me, causing me to have to pay another {$710.00} to get my vehicle titled ( {$710.00} loss ) In total, XXXX XXXX XXXX/JPMorgan Chase Co. have caused a net loss of $ XXXX {$1000.00}. Now, I will provide details for each issue above. 1 ) I moved to XXXX XX/XX/XXXX. I had renewed my tags in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I was parked on my street and ticketed for expired tags. Again, I must emphasize I had renewed my tags in XX/XX/XXXX, so the ticket was erroneous. Therefore, I followed the instructions on the back of the ticket to contest it, and immediately mailed the ticket to the indicated address the next day ( XX/XX/XXXX ). I should also note that the fine was {$100.00} if paid within 30 days, and {$200.00} if paid after 30 days but before 60 days. In XX/XX/XXXX, I saw a {$200.00} charge for a ticket appear on my XXXX XXXX XXXX/JPMorgan Chase Co. account. I immediately XXXX XXXX XXXX/JPMorgan Chase Co., they informed me that they received a copy of the ticket and that they were going to pay it. I explained that the ticket was erroneous, that I had contested the ticket, and that I was awaiting a court date. XXXX XXXX XXXX/JPMorgan Chase Co. acknowledged understood my situation and said they would not remit payment for the ticket. Additionally, a note about this conversation appears on my account with XXXX XXXX XXXX/JPMorgan Chase Co. I received notification that my court date was scheduled for XX/XX/XXXX. When I was called in court, the judge asked me to explain why I was contesting the ticket. I showed the judge that my registration had been renewed in XX/XX/XXXX, as the date of renewal was indicated on my registration. He agreed the ticket should not have been issued, but when he went to dismiss the ticket, he saw that the ticket had already been paid by XXXX XXXX XXXX/JPMorgan Chase Co. The judge told me that by XXXX XXXX XXXX/JPMorgan Chase Co. paying the ticket, it was an admission of guilt on my part, that the court doesnt issue refunds, and that I should contact XXXX XXXX XXXX/JPMorgan Chase Co. for reimbursement. Therefore, I called XXXX XXXX XXXX/JPMorgan Chase Co. and explained what happened in court. The representative opened a case for me and said the case should be resolved within three weeks. However, a month went by and I received no notification. Therefore, I called XXXX XXXX XXXX/JPMorgan Chase Co. again, went through the same process with a new representative, and was again told the case should be resolved in three weeks. However, another month went by, and I again received no notification, so I called a third time. Again, I explained my situation to a new representative and was told my case should be resolved within 3 weeks. But, once again, a month went by and I received no notification. But, when I called XXXX XXXX XXXX/JPMorgan Chase Co. this time, the representative informed me XXXX had reviewed my case but simply never informed me of the result, with the result being that XXXX refused to reimburse me the {$200.00} because, as they put it, they pay tickets so the car doesnt get towed ; this point is completely invalid, as I had requested a court date the day after receiving the ticket, despite having 30 days to do so. Summary : 1 ) Received erroneous ticket on XX/XX/XXXX 2 ) Contested ticket, requested court date, and returned ticket to appropriate office XX/XX/XXXX 3 ) Told XXXX XXXX XXXX/JPMorgan Chase Co. in XX/XX/XXXX that I was contesting the ticket and to not pay it 4 ) Appeared in court in XX/XX/XXXX, the judge was going to throw dismiss the ticket, but was unable to because XXXX XXXX XXXX/JPMorgan Chase Co. had gone against my instructions and paid the ticket Loss : {$200.00} and ~5 hours from repeated calls and a wasted court appearance 2 ) I only recently found out that XXXX XXXX XXXX/JPMorgan Chase Co. offers a complimentary state vehicle inspection if the customer wants to purchase their vehicle at the time their lease expires, specifically 45-15 days before lease maturity. However, XXXX XXXX XXXX/JPMorgan Chase Co. never offered me this service, despite the fact I was going through the vehicle purchase process beginning XX/XX/XXXX and my lease was due to end on XX/XX/XXXX. As an aside, XXXX XXXX XXXX/JPMorgan Chase Co. failed to sign an odometer certification form before the form expired ; this paperwork required me to go to the bank financing my vehicle purchase. Therefore, I had to take another couple of hours out of my day to go back to my financing company and fill out the odometer certification form again. Summary : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. did not inform me of my free XXXX vehicle inspection at the time of my lease buyout 2 ) XXXX failed to complete forms in a timely manner, costing me hours out of my workday Loss : $ XXXX {$95.00} ( depending on where inspection takes place ) and 2 hours due to a repeat visit to my financing company 3 ) In XX/XX/XXXX, I attempted to get XXXX tags. However, I first needed to transfer my title from XXXX to XXXX. Therefore, I contacted XXXX XXXX XXXX/JPMorgan Chase Co., informed them I needed my title so I could transfer it to XXXX, thus enabling me to get XXXX tags. Shortly thereafter but still in XX/XX/XXXX, I purchased a XXXX vehicle inspection for {$75.00} so that I could purchase my vehicle ( required by the financing company ) and obtain XXXX tags after the title was transferred into my name. XXXX XXXX XXXX/JPMorgan Chase Co. did not send me my title until the middle of XX/XX/XXXX. However, the title was not sent to me because I purchased my vehicle ( ~1 month earlier at this point ), but from my original request stemming from early XX/XX/XXXX. Therefore, the title had not been signed over to me. Thus, I sent the title back and informed XXXX XXXX XXXX/JPMorgan Chase Co. that I needed my title back after it had been signed over to me. I still had not received my title as of middle of XX/XX/XXXX, so I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. However, I still had not received my title as of late XX/XX/XXXX/early XX/XX/XXXX. So, I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. As of the middle of XX/XX/XXXX I still had not received my title, and I was receiving letters from my financing company that if I didnt get the title in my name and list my financing company as the lien holder in a timely manner that my vehicle would be repossessed. So, I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. Finally, on ~ XX/XX/XXXX, I received my title. However, this was well past 90 days, rendering my XXXX vehicle inspection expired and required I get a new XXXX vehicle inspection so that I could purchase XXXX tags. Summary : 1 ) I had to purchase a XXXX vehicle inspection in XX/XX/XXXX for {$75.00} ( this should have been provided by XXXX XXXX XXXX/JPMorgan Chase Co., see complaint 2 ) 2 ) XXXX XXXX XXXX/JPMorgan Chase Co. failed to send me my vehicle title until ~4 months after I purchased my vehicle., approximately a month after my XXXX vehicle inspection expired, thereby requiring I purchase another XXXX vehicle inspection so that I can buy XXXX tags Loss : {$75.00} and approximately 4 hours due to repeated phone calls requesting my title and another XXXX vehicle inspection 4 ) Before I finally received my title in XX/XX/XXXX, XXXX XXXX XXXX/JPMorgan Chase Co. told me my package would include my title, a bill of sale, and a check to pay for the taxes once I titled my vehicle ( these taxes were factored into my buyout price for this purpose ). However, when my package arrived, there was no check. Thus, I once again called XXXX XXXX XXXX/JPMorgan Chase Co. and told explained the issue. The representative apologized for not including the check and said the check would immediately be sent out. Two weeks later, another package arrived. Instead of receiving a check, I received a letter stating that XXXX XXXX XXXX/JPMorgan Chase Co. doesnt issue a check for taxes, but instead remits the taxes directly to XXXX using their tax ID number ( note that the tax ID listed on this new document differed from the one they included on my bill of sale ). The letter went on to say that I should simply take this letter, my bill of sale, and my title to the XXXX to transfer the title to my name. Assuming this letter was true but admittedly skeptical of the situation due to my experiences to this point, I went to the XXXX in XX/XX/XXXX. The first representative I spoke with had no idea what the letter was indicating and said that she had never heard of taxes for a title being handled in this way, so she passed me along to a supervisor. The supervisor gave the same confused look, said he had never heard of this, that there was no way to verify that XXXX XXXX XXXX/JPMorgan Chase Co. had remitted sales tax using [ either ] of the two tax IDs they provided, and that nothing indicating my car had sales tax for it remitted appeared anywhere in their system ( he checked my VIN number and a variety of other identifiers ). The supervisor then disappeared for approximately 20 minutes to call the state headquarters. Once the supervisor returned, he said the state headquarters definitively stated that titles are never handled in this way, and he has no idea what XXXX XXXX XXXX/JPMorgan Chase Co. were referring to with their letter. Thus, I once again called XXXX XXXX XXXX/JPMorgan Chase Co. while at the XXXX and spoke with a representative. The representative said XXXX XXXX XXXX/JPMorgan Chase Co. doesnt distribute sales tax checks directly ( contrary to the first two reps I spoke with concerning this issue, but consistent with the letters XXXX XXXX XXXX/JPMorgan Chase Co. sent ), but that she could fax a letter to the XXXX stating that sales tax was directly remitted to the state. I explained to her that I already had two letters stating this and that everybody in the XXXX, from a clerk to the state headquarters, said that things do not work that way, and that the letter is referring to something that doesnt exist. So, I put her on the phone with the supervisor, the XXXX XXXX XXXX/JPMorgan Chase Co. rep. told the supervisor XXXX XXXX XXXX/JPMorgan Chase Co. had remitted sales tax directly to the state, to which the supervisor responded that this is not how things work, theres no way to verify that, and that nothing appears in their system indicating that. At this point, I walked away to finish my conversation with the XXXX XXXX XXXX/JPMorgan Chase Co. rep. She indicated she would open a case investigating what happened to the money I paid to XXXX XXXX XXXX/JPMorgan Chase Co. for my XXXX sales tax. To this, I asked if she could guarantee that I would be reimburse for the title I had to purchase that date, and she said no. Thus, I simply had to be satisfied with the fact they were opening a case investigating what happened to the {$710.00} I paid to XXXX XXXX XXXX/JPMorgan Chase Co. for my XXXX state taxes ( see the above complaints for proof on how well XXXX XXXX XXXX/JPMorgan Chase Co. investigations work out ). Consequently, I had to pay another {$710.00} at the XXXX so I could purchase my title. Additionally, I called XXXX XXXX XXXX/JPMorgan Chase Co. back and asked for proof they had remitted sales tax to XXXX even if this was not the process for how things should have proceeded, but XXXX XXXX XXXX/JPMorgan Chase Co. said they could provide no proof at that time. Thus, the {$710.00} I paid to XXXX XXXX XXXX/JPMorgan Chase Co. for my XXXX sales tax has magically disappeared, and I subsequently had to pay the amount at the XXXX. I should also note that I had to use a credit card since I was not expecting to pay this charge, and am thus also accruing interest on my payment. Summary : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. collected {$710.00} from me to later be used for XXXX sales taxes, which are collected at the time of title transfer 2 ) XXXX XXXX XXXX/JPMorgan Chase Co. originally told me a check for {$710.00} would be included in my lease buyout package that contained my title and bill of sale 3 ) XXXX XXXX XXXX/JPMorgan Chase Co. did not include the check for {$710.00} in the original package, said it was a mistake, and indicated they would send out the check 4 ) XXXX XXXX XXXX/JPMorgan Chase Co. instead sent a letter saying they do not issue a check back for the taxes, but instead directly remit sales tax to the state of XXXX, and that my letters would serve as proof of this so I didnt get charged again when obtaining my title 5 ) No one in the XXXX XXXX at any level has ever heard of remitting sales tax in the way described above and insists it doesnt exist 6 ) XXXX XXXX XXXX/JPMorgan Chase Co. can provide no proof they remitted sales tax to the state of XXXX 7 ) Despite paying {$710.00} to XXXX XXXX XXXX/JPMorgan Chase Co. for XXXX sales tax to be used to transfer my title to my name at the time I purchased my vehicle, I again had to pay {$710.00} to the XXXX because they indicated they had no idea what XXXX XXXX XXXX/JPMorgan Chase Co. was talking about with how they remitted sales tax Loss : {$710.00} and ~5 hours for phone calls and extra time spent at the XXXX | ||||||
| 06/21/2017 | Yes |
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| I am filling a complaint against XXXX XXXX XXXX/JPMorgan Chase Co. I have four primary complaints : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. paid a ticket I told them not to because I was contesting the ticket in court ( {$200.00} loss ) 2 ) XXXX XXXX XXXX/JPMorgan Chase Co. failed to offer me a free XXXX vehicle inspection when I was performing my end of lease buyout, as is guaranteed in the lease agreement ( $ XXXX {$95.00} loss ) 3 ) XXXX XXXX XXXX/JPMorgan Chase Co. took ~4 months to send me my title after I purchased my vehicle, which resulted in the expiration of the XXXX vehicle inspection I paid for at the time I purchased my vehicle void ( expires after 90 days ), requiring me to get another XXXX vehicle inspection before I can buy tags for my car ( {$75.00} loss ) 4 ) XXXX XXXX XXXXJPMorgan Chase Co. charged me {$710.00} in XXXX state taxes at the time I purchased my vehicle, but failed to mail me a check for {$710.00} for me to purchase my title or transfer my title to XXXX for me, causing me to have to pay another {$710.00} to get my vehicle titled ( {$710.00} loss ) In total, XXXX XXXX XXXX/JPMorgan Chase Co. have caused a net loss of $ XXXX {$1000.00}. Now, I will provide details for each issue above. 1 ) I moved to XXXX XX/XX/XXXX. I had renewed my tags in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I was parked on my street and ticketed for expired tags. Again, I must emphasize I had renewed my tags in XX/XX/XXXX, so the ticket was erroneous. Therefore, I followed the instructions on the back of the ticket to contest it, and immediately mailed the ticket to the indicated address the next day ( XX/XX/XXXX ). I should also note that the fine was {$100.00} if paid within 30 days, and {$200.00} if paid after 30 days but before 60 days. In XX/XX/XXXX, I saw a {$200.00} charge for a ticket appear on my XXXX XXXX XXXX/JPMorgan Chase Co. account. I immediately XXXX XXXX XXXX/JPMorgan Chase Co., they informed me that they received a copy of the ticket and that they were going to pay it. I explained that the ticket was erroneous, that I had contested the ticket, and that I was awaiting a court date. XXXX XXXX XXXX/JPMorgan Chase Co. acknowledged understood my situation and said they would not remit payment for the ticket. Additionally, a note about this conversation appears on my account with XXXX XXXX XXXX/JPMorgan Chase Co. I received notification that my court date was scheduled for XX/XX/XXXX. When I was called in court, the judge asked me to explain why I was contesting the ticket. I showed the judge that my registration had been renewed in XX/XX/XXXX, as the date of renewal was indicated on my registration. He agreed the ticket should not have been issued, but when he went to dismiss the ticket, he saw that the ticket had already been paid by XXXX XXXX XXXX/JPMorgan Chase Co. The judge told me that by XXXX XXXX XXXX/JPMorgan Chase Co. paying the ticket, it was an admission of guilt on my part, that the court doesnt issue refunds, and that I should contact XXXX XXXX XXXX/JPMorgan Chase Co. for reimbursement. Therefore, I called XXXX XXXX XXXX/JPMorgan Chase Co. and explained what happened in court. The representative opened a case for me and said the case should be resolved within three weeks. However, a month went by and I received no notification. Therefore, I called XXXX XXXX XXXX/JPMorgan Chase Co. again, went through the same process with a new representative, and was again told the case should be resolved in three weeks. However, another month went by, and I again received no notification, so I called a third time. Again, I explained my situation to a new representative and was told my case should be resolved within 3 weeks. But, once again, a month went by and I received no notification. But, when I called XXXX XXXX XXXX/JPMorgan Chase Co. this time, the representative informed me XXXX had reviewed my case but simply never informed me of the result, with the result being that XXXX refused to reimburse me the {$200.00} because, as they put it, they pay tickets so the car doesnt get towed ; this point is completely invalid, as I had requested a court date the day after receiving the ticket, despite having 30 days to do so. Summary : 1 ) Received erroneous ticket on XX/XX/XXXX 2 ) Contested ticket, requested court date, and returned ticket to appropriate office XX/XX/XXXX 3 ) Told XXXX XXXX XXXX/JPMorgan Chase Co. in XX/XX/XXXX that I was contesting the ticket and to not pay it 4 ) Appeared in court in XX/XX/XXXX, the judge was going to throw dismiss the ticket, but was unable to because XXXX XXXX XXXX/JPMorgan Chase Co. had gone against my instructions and paid the ticket Loss : {$200.00} and ~5 hours from repeated calls and a wasted court appearance 2 ) I only recently found out that XXXX XXXX XXXX/JPMorgan Chase Co. offers a complimentary state vehicle inspection if the customer wants to purchase their vehicle at the time their lease expires, specifically 45-15 days before lease maturity. However, XXXX XXXX XXXX/JPMorgan Chase Co. never offered me this service, despite the fact I was going through the vehicle purchase process beginning XX/XX/XXXX and my lease was due to end on XX/XX/XXXX. As an aside, XXXX XXXX XXXX/JPMorgan Chase Co. failed to sign an odometer certification form before the form expired ; this paperwork required me to go to the bank financing my vehicle purchase. Therefore, I had to take another couple of hours out of my day to go back to my financing company and fill out the odometer certification form again. Summary : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. did not inform me of my free XXXX vehicle inspection at the time of my lease buyout 2 ) XXXX failed to complete forms in a timely manner, costing me hours out of my workday Loss : $ XXXX {$95.00} ( depending on where inspection takes place ) and 2 hours due to a repeat visit to my financing company 3 ) In XX/XX/XXXX, I attempted to get XXXX tags. However, I first needed to transfer my title from XXXX to XXXX. Therefore, I contacted XXXX XXXX XXXX/JPMorgan Chase Co., informed them I needed my title so I could transfer it to XXXX, thus enabling me to get XXXX tags. Shortly thereafter but still in XX/XX/XXXX, I purchased a XXXX vehicle inspection for {$75.00} so that I could purchase my vehicle ( required by the financing company ) and obtain XXXX tags after the title was transferred into my name. XXXX XXXX XXXX/JPMorgan Chase Co. did not send me my title until the middle of XX/XX/XXXX. However, the title was not sent to me because I purchased my vehicle ( ~1 month earlier at this point ), but from my original request stemming from early XX/XX/XXXX. Therefore, the title had not been signed over to me. Thus, I sent the title back and informed XXXX XXXX XXXX/JPMorgan Chase Co. that I needed my title back after it had been signed over to me. I still had not received my title as of middle of XX/XX/XXXX, so I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. However, I still had not received my title as of late XX/XX/XXXX/XX/XX/XXXX. So, I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. As of the middle of XX/XX/XXXX I still had not received my title, and I was receiving letters from my financing company that if I didnt get the title in my name and list my financing company as the lien holder in a timely manner that my vehicle would be repossessed. So, I called XXXX XXXX XXXX/JPMorgan Chase Co., spoke with a representative, informed them I was still waiting on my title, and was informed theyd immediately send it out. Finally, on ~ XX/XX/XXXX, I received my title. However, this was well past 90 days, rendering my XXXX vehicle inspection expired and required I get a new XXXX vehicle inspection so that I could purchase XXXX tags. Summary : 1 ) I had to purchase a XXXX vehicle inspection in XX/XX/XXXX for {$75.00} ( this should have been provided by XXXX XXXX XXXX/JPMorgan Chase Co., see complaint 2 ) 2 ) XXXX XXXX XXXXJPMorgan Chase Co. failed to send me my vehicle title until ~4 months after I purchased my vehicle., approximately a month after my XXXX vehicle inspection expired, thereby requiring I purchase another Maryland vehicle inspection so that I can buy XXXX tags Loss : {$75.00} and approximately 4 hours due to repeated phone calls requesting my title and another XXXX vehicle inspection 4 ) Before I finally received my title in XX/XX/XXXX, XXXX XXXX XXXX/JPMorgan Chase Co. told me my package would include my title, a bill of sale, and a check to pay for the taxes once I titled my vehicle ( these taxes were factored into my buyout price for this purpose ). However, when my package arrived, there was no check. Thus, I once again called XXXX XXXX XXXX/JPMorgan Chase Co. and told explained the issue. The representative apologized for not including the check and said the check would immediately be sent out. Two weeks later, another package arrived. Instead of receiving a check, I received a letter stating that XXXX XXXX XXXXJPMorgan Chase Co. doesnt issue a check for taxes, but instead remits the taxes directly to XXXX using their tax ID number ( note that the tax ID listed on this new document differed from the one they included on my bill of sale ). The letter went on to say that I should simply take this letter, my bill of sale, and my title to the XXXX to transfer the title to my name. Assuming this letter was true but admittedly skeptical of the situation due to my experiences to this point, I went to the XXXX in XX/XX/XXXX. The first representative I spoke with had no idea what the letter was indicating and said that she had never heard of taxes for a title being handled in this way, so she passed me along to a supervisor. The supervisor gave the same confused look, said he had never heard of this, that there was no way to verify that XXXX XXXX XXXX/JPMorgan Chase Co. had remitted sales tax using [ either ] of the two tax IDs they provided, and that nothing indicating my car had sales tax for it remitted appeared anywhere in their system ( he checked my VIN number and a variety of other identifiers ). The supervisor then disappeared for approximately 20 minutes to call the state headquarters. Once the supervisor returned, he said the state headquarters definitively stated that titles are never handled in this way, and he has no idea what XXXX XXXX XXXXJPMorgan Chase Co. were referring to with their letter. Thus, I once again called XXXX XXXX XXXX/JPMorgan Chase Co. while at the XXXX and spoke with a representative. The representative said XXXX XXXX XXXX/JPMorgan Chase Co. doesnt distribute sales tax checks directly ( contrary to the first two reps I spoke with concerning this issue, but consistent with the letters XXXX XXXX XXXXJPMorgan Chase Co. sent ), but that she could fax a letter to the XXXX stating that sales tax was directly remitted to the state. I explained to her that I already had two letters stating this and that everybody in the XXXX, from a clerk to the state headquarters, said that things do not work that way, and that the letter is referring to something that doesnt exist. So, I put her on the phone with the supervisor, the XXXX XXXX XXXX/JPMorgan Chase Co. rep. told the supervisor XXXX XXXX XXXX/JPMorgan Chase Co. had remitted sales tax directly to the state, to which the supervisor responded that this is not how things work, theres no way to verify that, and that nothing appears in their system indicating that. At this point, I walked away to finish my conversation with the XXXX XXXX XXXX/JPMorgan Chase Co. rep. She indicated she would open a case investigating what happened to the money I paid to XXXX XXXX XXXXJPMorgan Chase Co. for my XXXX sales tax. To this, I asked if she could guarantee that I would be reimburse for the title I had to purchase that date, and she said no. Thus, I simply had to be satisfied with the fact they were opening a case investigating what happened to the {$710.00} I paid to XXXX XXXX XXXX/JPMorgan Chase Co. for my XXXX state taxes ( see the above complaints for proof on how well XXXX XXXX XXXX/JPMorgan Chase Co. investigations work out ). Consequently, I had to pay another {$710.00} at the XXXX so I could purchase my title. Additionally, I called XXXX XXXX XXXX/JPMorgan Chase Co. back and asked for proof they had remitted sales tax to XXXX, even if this was not the process for how things should have proceeded, but XXXX XXXX XXXX/JPMorgan Chase Co. said they could provide no proof at that time. Thus, the {$710.00} I paid to XXXX XXXX XXXX/JPMorgan Chase Co. for my XXXX sales tax has magically disappeared, and I subsequently had to pay the amount at the XXXX. I should also note that I had to use a credit card since I was not expecting to pay this charge, and am thus also accruing interest on my payment. Summary : 1 ) XXXX XXXX XXXX/JPMorgan Chase Co. collected {$710.00} from me to later be used for XXXX sales taxes, which are collected at the time of title transfer 2 ) XXXX XXXX XXXX/JPMorgan Chase Co. originally told me a check for {$710.00} would be included in my lease buyout package that contained my title and bill of sale 3 ) XXXX XXXX XXXX/JPMorgan Chase Co. did not include the check for {$710.00} in the original package, said it was a mistake, and indicated they would send out the check 4 ) XXXX XXXX XXXX/JPMorgan Chase Co. instead sent a letter saying they do not issue a check back for the taxes, but instead directly remit sales tax to the state of XXXX, and that my letters would serve as proof of this so I didnt get charged again when obtaining my title 5 ) No one in the XXXX XXXX at any level has ever heard of remitting sales tax in the way described above and insists it doesnt exist 6 ) XXXX XXXX XXXX/JPMorgan Chase Co. can provide no proof they remitted sales tax to the state of XXXX 7 ) Despite paying {$710.00} to XXXX XXXX XXXX/JPMorgan Chase Co. for XXXX sales tax to be used to transfer my title to my name at the time I purchased my vehicle, I again had to pay {$710.00} to the XXXX because they indicated they had no idea what XXXX XXXX XXXX/JPMorgan Chase Co. was talking about with how they remitted sales tax Loss : {$710.00} and ~5 hours for phone calls and extra time spent at the XXXX | ||||||
| 02/01/2021 | Yes |
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| Please see the attached document for the FULL complaint and my interaction with chase for a better understanding. Statement of Facts : 1 ) I received an email on XX/XX/XXXX asking me if I attempted to send someone named XXXX {$100.00} I replied " NO ''. You guys then replied back that you would be sending me a new card. This was the first time I ever received an email from chase. I did not get any emails for the XXXX transactions. You may have sent a text message but my phone was stolen along with my wallet and I didnt know it was stolen at the time. 2 ) Last time I remember using my card was sometime around XX/XX/XXXX at XXXX XXXX XXXX 3 ) I was hospitalized from XXXX XXXX and then XXXX. 4 ) I did not notice my wallet and my work phone were missing because I was sick and in the hospital for several months. I have two phones : a work cell phone and a personal cell phone. The phone that was stolen was my work cell phone. My wallet was also stolen and it had my debit cards, my ID, My SS Card, everything. ( I stated this on the dispute form that I sent you and made it clear that all three of my cards that were in my wallet had been stolen ). 5 ) After getting out of the hospital, I filed a police report XX/XX/XXXX and elected to retain victim rights and agreed to press charges 6 ) XX/XX/XXXX The person who committed the crime against me ( XXXX XXXX ) who I do no not know was detained and in police custody which is noted on the police report that I had provided you. 7 ) After investigating into who this individual was, I had learned that XXXX XXXX is a XXXX who has just recently been released from XXXX after committing XXXX, XXXX XXXX XXXX, and XXXX. This information is available on the XXXX XXXX XXXX XXXX XXXX. 8 ) I did not use and I did not authorize or provide access to anyone my card, my phone, or my pin, my chase login. All Transactions that were made on the account from XXXX on both of my accounts were not made by me. This includes all quickpay and debit card transactions. 9 ) I attempted to report the unauthorized transactions multiple times but could not get through to the online disputes team. So, I had to send my request through the XXXX. 10 ) You have denied some of my claims because you state that the card was chipped enabled and is not able to be replicated. - Please refer to my XXXX that clearly states that my wallet which had my debit cards was stolen. I did not have the cards in my possession. 11 ) You have denied some of my claims because you state that the card was used in my geographical location and pin was used. As I mentioned in previous XXXX I was hospitalized/ and extremely sick almost the entire time this was going on without my knowledge. I provided dates of hospitalization. I also do not know how to drive. So, making physical purchases or ATM withdrawals, is basically impossible for me to do. I also requested you to pull ATM photos and compare it to my state ID ( NOT DL because again I dont know how to drive! ) I guarantee you that the ATM photos will confirm it was not me who was using my card. For the record, because my wallet was stolen I had to request a replacement ID which I did after I filed the police report. I would be glad to provide this if needed to validate what I am telling you. 12 ) There is an obvious pattern here with a majority of these transactions. All the Quickpays were sent to the same individual. One of the last debit card transactions that was made fraudulently on my account was a XXXX Payment of {$300.00} also made to XXXX XXXX. Then he attempted to send himself {$100.00} dollars which was the first and only time that I received an email notification from Chase that was on XX/XX/XXXX. It is extremely clear that XXXX XXXX who police have detained and has a previous criminal record for the same reason has committed fraud against me. Chase was able to finally detect something unusual on XX/XX/XXXX. 13 ) On XX/XX/XXXX I purchased a work phone replacement through our XXXX XXXX account. The phone that was stolen was an XXXX XXXX and the replacement was an XXXX XXXX and a confirmation of that order was provided to you as well. 14 ) I have never had any issues like this with any bank before. This has been an absolute nightmare. I honestly feel that the extended hold times and not being able to speak with the online disputes department has really made this headache even worse than what it already is. I have been through so much the last couple of months and almost died several times. Instead of making things easier for me and being there for me as my bank I literally felt that you have kicked me while I was down. You made it impossible for me to open a dispute, you then placed the burden of proof on me, you asked for more and more and more and still denied me. Then you closed my accounts and charged them off even though my disputes were still open. 15 ) You have not provided me any statements since you charged off my account despite receiving adjustments for the few claims that you approved. `16 ) Please see the last response I received from XXXX at Chase Executive Office in regards to my complaint : Company 's Response We aim to give exceptional service and are sorry if we did not meet this goal when you contacted us about your account concerns. As we deal with the spiraling effects of COVID-19, we continue to review what we can do as a bank to remain strong, resilient and well-positioned to support our employees, clients, customers and communities across the globe. Your claim for transactions totaling {$260.00} was approved and the temporary credits issued for the same amount are now finalized. Your claims for a transaction with XXXX of {$100.00} and ATM withdrawals totaling {$1600.00} were denied because your chip enabled debit card was used at a chip enabled terminal, they were done within your geographical location and the PIN was used with no failed PIN attempts. Your claim for an ATM withdrawal of {$400.00} on XX/XX/XXXX, was denied because your chip enabled debit card was used at a chip enabled terminal and was done within your geographical location. Your claim for an ATM withdrawal of {$300.00} on XX/XX/XXXX, was denied because your chip enabled debit card was used at a chip enabled terminal You claim for QuickPay transfers totaling {$1300.00} was denied because the device used to send these QuickPay transfers was used previously to sign into your online account. We opened claims and gave you temporary credits for transactions totaling {$530.00}. A transaction of {$2.00} was refunded by the merchant so we reversed our credit. The rest of the transactions are still being reviewed and the expected resolution date is XX/XX/XXXX. We are enclosing copies of the claim letters for your review. MONETARY RELIEF AMOUNT {$260.00} 17 ) My concerns regarding your response are as follows : I tried calling to speak with the agent on several occasions who was handling my complaint with CHASE in executive office and was never able to get a hold of him nor did he return my calls except once which I had missed his call but was days after I had asked that he call me. Chase immediately closed my CFPB complaint and responded without talking to me. I made it very clear when I requested to dispute these charges that my wallet and phone had been stolen. The wallet had three debit cards from Chase, My ID, My SS Card, Etc. This was provided on the dispute form you required for me to send via your secure message center in order to initiate the dispute. I had provided sufficient information to initiate a dispute with your social media agents but they requested me to fill out the form and send it to you. I tried calling in but the excessive hold made it impossible to speak with anyone in the online claims department. Chase has two different departments for claims. The general claims team that handles disputes related to the debit card and the online claims team that handle disputes regarding online transactions. I reported all of the transactions I am disputing on the same date. However, they were not initiated on the same date and I had to make several requests to include them all. The general claims team wouldn't assist me or initiate the disputes when I tried calling in because there were online transactions involved. I was told that it needed to be all handled by the online claims team. That is when I experienced the excessive hold and couldn't speak with anyone from that department. Your claim regarding EMV enabled cards not being able to be replicated is false and you know that but it's not applicable because I told you that the cards that were in my wallet had been stolen. I believe where the confusion is stemming from is the fact that I advised you that on XX/XX/XXXX I received an email asking me to verify if I was trying to send someone {$100.00} from your fraud department. I replied no and you guys sent out a new card some time after. The transactions that were unauthorized were made prior to receiving this replacement which stopped the unauthorized usage. However because I was hospitalized I was not able to look into the matter further at the time from being too ill. I was not aware or able to confirm that my wallet and phone were stolen until I filed the police report which I provided you. 18 ) Please see the following article regarding chip enabled cards below : Here is the link Deny Dispute if PIN Verified and Chip Read? | Bankers Online Question : EMV chip card read at the ATM. We have the information that the chip was read and now the customer is claiming unauthorized ATM withdrawals. Can we deny this dispute since the pin was verified and the chip was read? Are we still in compliance? Answer : Let me run a scenario past you. Customer writes PIN on the card. Not smart, but doesn't eliminate Reg E liability limits if customer notifies of loss or theft in a timely manner. So now, PIN is on the card and it is lost or stolen. Customer no longer has a card in possession, but notifies the bank within 2 business days of learning of loss or theft. Customer 's max liability is {$50.00}, regardless of the fact that the PIN was on the card. OK, but what if the customer still has the card in their possession? You would have a stronger case that the transaction was not unauthorized, but what if someone took the card for the transaction in question, then replaced it in the customer 's wallet after the transaction was done? Wouldn't that still be unauthorized? Both of these scenarios may reflect negligence, and negligence may cancel any zero liability protections from Visa/MC, but negligence does not counteract Reg E liability limits. 19 ) Someone Stealing my work phone and wallet from my residence who I never met is not negligence. It is theft and I was not aware of it until I filed the police report which confirms this as well. Not only am I supposed to receive a XXXX dollar fraud liability from the card issuer which you are denying me but I am supposed to be protected under Regulation E and I will not stop pursuing this until I get my money back. 20 ) I requested to open these disputes all at the same time. It is insulting that you credited a few transactions permanently but not all of them despite the fact that I disputed them at the same time for the same reason. I assume that the reasoning behind that is because you couldn't get the funds from the merchant. That is not my problem and you know that. Regulation E protects me from unauthorized use whether the merchant credits the consumer or the Bank has to. You cant deny my dispute because of that. A Bank would have to credit the consumer one way or another. That is what is considered the cost of doing business and just because we are in a pandemic does not give the bank the right to make assumptions and treat consumers unfairly. That is deceptive and unfair banking practices. 21 ) I am concerned that after your latest response you sent me on XX/XX/XXXX which is # XXXX and provided above to my complaint submitted to the CFPB XX/XX/XXXX took almost two months. Not only that, but you had charged off and closed my account despite there being disputes that were open as you confirmed. I have not received any statements since before that complaint. I also have not received any letter or any communication regarding my accounts other than your response and the claim letters of the claims that were denied prior to your message. You stated that there were still claims pending and were going to be decided on XX/XX/XXXX. I have not been mailed a letter advising me the results of those claims. The only thing I received were several emails alerting me to letters being available on the account center. I am sure these alerts were sent because letters are being provided electronically but because you charged off my account there is nothing available to be viewed online. So not only are you not mailing me out these letters but you are not making them available to view online. This is also a violation of regulation E. Your alert tells me that a letter is available but when I log in there are no letters I can view. You have charged the account off and not only that but you deleted all the letters you have ever sent me previously. You deleted the statements as well as the secure messages of my communication ( Luckily, I had saved that ). You have not made an effort to upload a decisioning letter online for me to view regarding the pending claims or send me out a statement. That is a violation. I have a screenshot timestamped showing that you provided me nothing about the decisioning of the claims online and you didn't mail me one either. The account was set up for electronic communication which you failed to provide. 1005.11 of Regulation E States ( 1 ) Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents. | ||||||
| 01/08/2018 | Yes |
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| XXXX XXXX, XXXX- I electronically deposited the check # XXXX from XXXX XXXX ( my father-in-law ) into my Chase Checking account. I received an email from Chase that my check was deposited and available. I am almost 300 miles from a Chase Branch in NC. For most of XXXX and XXXX I had been taking care of and living in dad 's house as he was XXXX from XXXX. XXXX Dad on his XXXX wrote me the check ( XXXX/XXXX/XXXX ) for {$1300.00} to cover additional costs we incurred while taking care of him and he knew that we were going to move shortly after his XXXX ( since we could not afford the bills and the house is going to his son who will put it up on the market after we leave ) and wanted to make sure we had funds for additional expenses and anything else that came up. He was very concerned for mom and wanted her taken care of. He had been XXXX for a while at that point. Spending the days ( and nights ), around the clock care, XXXX XXXX and trying to get Dad to eat, he started to get worse and worse until his XXXX on XXXX evening. XXXX- my mother-in-law was appointed POA of Dad. We noticed that he was having a hard time even sitting up at this point and needed to make sure all his bills were being paid. My mother in-law, myself, XXXX XXXX ( Dad ) and my husband XXXX were all staying in this house during this period. Mom submitted POA to register of deeds after the notary came to the house and witnessed the signing and reading of the POA. XXXX Evening-Dad XXXX XXXX- I Electronically deposited check XXXX- My debit card declined. Shocked, I called the XXXX number on the back of the card and to my surprise I received the automated message that my debit card had been closed!!! I get to a representative who verified me and then could not give me a reason for the card being declined or why it was closed. He passed me to a supervisor who stated that the signature was n't the same or something. I explained that Dad could barely sit up at the time of writing it and that is why Mom ended up getting the POA two days later and that Dad was in full consciousness when he wrote it, it was just that his body was XXXX XXXX and did n't have much energy. I questioned why this would close my account and that no one even notified me. I felt terrible and discriminated against and like they were treating me like a criminal. I was beyond distraught. Leaving the store embarrassed, I went home without the stuff I needed to purchase. I went to the car and asked Chase to be passed to someone who would help me. The next rep from Chase stated that now the reason the check was being held was because they did n't know if it was going to bounce. I still felt incredibly discriminated against and that Chase was incompetent. I contacted Dad 's son- XXXX-the executor of the will, who was also aware of the check and was here in NC while his father was XXXX. I explained what Chase did and he said he would do whatever it takes to help us. I stated to Chase that I needed to have my funds available, even if the check fund of ( {$1300.00} ) was not. They said there was no way to do that. XXXX the executor of the Will stated he would do whatever he needed to do to help us. Chase said that I need to go to a branch. I am in NC and over 300 miles from a Chase branch, just dealt with a family XXXX and almost two months of helping dad as he was XXXX and all the family emotions, trying to keep mom together, the holidays, moving and now I have no access to my funds, Chase is giving me the run around and I have no idea what 's going on, I feel like I am being treated like a criminal, every rep is telling me something different, and they want me to drive 300 miles to a branch. XXXX Called Chase again .... Go to verify my account and they tell me my name is not coming up on the account ... I am driving at this point and have to pull over ... I have banked with chase for many years and never have changed my name. At this point I am freaking out and feel beyond powerless and request a team leader .... the reps were fighting on the phone, I asked for a team leader and the initial rep only sent me to a supervisor and the supervisor got mad at the rep. Again, I get a continued sense of being discriminated against and neglected of my rights ... She stated the reason my name is not coming up is because my account was sent to another department. She gave me a specific number for Checks and deposits. Both reps were extremely rude and the interaction was alarming and abusive. I call the XXXX number, go in the same circles again of verification, putting me on hold for 2-4 minutes, reading notes on my account, then saying there 's nothing they can do. I called this XXXX number several times and spoke with about 4 different reps over the next two days. One rep tells me that the Executor of the will needs to go into the branch with 2 forms of ID and paperwork. I contact XXXX, who is now back in Colorado and he goes to the Chase branch on XXXX and XXXX and Spoke to XXXX the branch manager. He explains the situation. She lifts the hold and says that in her 30 years of banking she has never seen this. She unlocked the account and they said everything was fine. XXXX-Card declined again. Another embarrassing situation and I am unable to get what I need. Call XXXX number again, no one helps, same run around. I get to one supervisor who tells me that they see the notes on the account hold was lifted but then placed back on because the executor of the will, XXXX, mentioned to the Branch Manager XXXX at Chase that he thought the hold was placed there because the bank was waiting to see if the check was going to be returned, because that was what the rep told me then I told XXXX. Speaking with the Chase reps, I ask them what they are doing to verify the check. XXXX had been checking the status of the check through online banking with XXXX and saw that it had already been paid on the XXXX. There were no pending transactions. Chase stated they are waiting and could n't give me any answers or plans as to what they were going to do. NOBODY HAD ANY ANSWERS ... They could not tell me that they were doing anything. i told them that I had been doing everything they asked and they were still holding my funds from me. I had the rep from Chase call XXXX directly to verify the check. They tried several times and could not get through without an account number and there was no way to get a rep ... I asked again how they were going to verify the check. I could not believe that I had to give them the PHONE number for XXXX and that NO ONE was doing anything to help me. I am beyond astounded by this. I feel completely abused. After further review of Dad 's checking account online per XXXX, he has a cash reserve/overdraft protection, a credit line automatic advance feature on his account. Two checks were paid on XXXX XXXX, check XXXX for ( {$1300.00} ) and one for XXXX ( {$160.00} ), his automatic advance feature kicked in and paid {$31.00}. At the time that Dad wrote the check for me initially he had over {$1400.00} available in the account which was more than enough to cover the check. I went to XXXX Branch and Spoke with Manager XXXX- Explained situation, this is the branch Dad banked with and we had spoken with her before. She says that there 's nothing they can do. She refused to speak to Chase and she said it 's illegal for her to even talk to Chase about the Check! She was so rude to me I could n't believe it. She is XXXX XXXX and I have met her three times, each time she has clearly discriminated against me. I have only gone in there with mom as we were asking questions of the bank as what to do prior to mom getting the POA. This lady made faces at us like we were XXXX and that she could n't believe we were sitting in her office. Again I feel abused, neglected, discriminated and powerless. I 've had several XXXX XXXX this week. Called chase again at this point -- Gave them the branch number for XXXX- it just kept ringing, I 'm in the car outside the bank knowing full well there are people in there that are refusing to answer the phone. I waited outside while chase rep tries multiple times to call the XXXX Branch. They intentionally neglected the call. XXXX -- -XXXX- Account still not working, no funds available now for almost a week. I have no protection and the banks are n't helping. I feel completely powerless, emotional, scared and furious. I know my account is being completely neglected and I am being discriminated against!! I have no protection. For {$1300.00}?!?!? This is crazy to me! The banks have credit and access to lots of money and the banks are supposed to work for the people because we are the ones that put our money in them and they are the one 's that loan our money out and make money off of our money and then close my account for what?!? This is unconscionable! I call XXXX number again. I tell them about the info we found out about Dad 's overdraft protection and what was seen through his online banking. They stated to me that the executor of the Will needs to go back into Chase Branch and show this information in order to release the hold. XXXX works 12 hour shifts and could not go that day so he sent his Sister-in-law XXXX to the branch. She took her phone with the screen shots of the bank account and now the branch says to her that I am the one that needs to go into the branch with Dad 's bank account info and proof the check was paid. XXXX is also in the banking system and knows that what the branch is asking for is illegal ... They are asking that I go into the branch with someone else 's account information. I REITERATE TO THEM THAT THE CHECK HAS BEEN PAID I contact the XXXX number, tell them to remove the check and that I really need my funds. i have Autopay bills bouncing out of my Chase account, I had to borrow money to eat from my mom who is on XXXX, and my Business XXXX account got suspended. I also can not accept any payments or sales. The Chase rep says they can not remove the check. They are neglecting my account and I tell them that I am getting a lawyer and what they are asking of me is illegal and I want to speak with the highest up team leader they can give me. I wait for about 30 minutes and the rep tells me he ca n't find anyone but he can transfer me to the Executive department because I claimed what Chase was doing is illegal. He sends me to XXXX at the Executive office, I explain in detail what 's going on. She profusely apologizes. I beg her to pull the calls and see what has been going on for the last 8 days. She agrees. She states that she made a Case number for me and that hopefully they will have my funds available the next day but no guarantee ... She put my account on urgent, or so she said! I really thought she was going to help me and felt relieved. I have been a terrible emotionally wreck from all of this. XXXX at executive office said that my case would be assigned and that someone would contact me the next day. I ask for her email and I send over screen shots from Dad 's bank account with proof of the check he wrote to me being paid and no pending transactions. XXXX- still no contact from Chase. I call the Executive office directly, they said my case has been appointed to XXXX but she is busy and ca n't take my call. I am very upset at this point. They send me to her voicemail. I leave a message and she did n't call me back that day. I am in despair! I can not understand what 's going on. I feel completely ignored, fooled, neglected, abused, discriminated against, and powerless!!! I have never had a problem with chase in the several years of banking with them. XXXX XXXX contacts me and says she just started on my case. It 's been 10 days without my funds and THEY ARE JUST STARTING MY CASE!!!!! She says she will contact me as soon as she can. How is it that I have been without funds for 10 days, spent at least 1 sometimes 3 hours per day on the phone with various reps from chase, done everything they ask, AND THEY ARE JUST NOW STARTING MY CASE?!!??!?!?!? XXXX no word from Chase- I have no energy to call and am emotionally distressed. XXXX- My Husband and I are supposed to take a trip to XXXX- Already booked our hotel stay because we are supposed to be house hunting this week and had been planning this for months now. We could not cancel our bookings and we had expected to be able to go. All of our plans have had to change. We are now having to stay in the house we are in for who knows how long until we can have the funds available to make the trip and go find our new house. Bills are racking up here that we did n't expect. I was going to get a new job in XXXX and that too is now postponed. This is costing us thousands of dollars and straining our family. I can not believe that we have had to deal with this especially surrounding the XXXX of Dad. XXXX today I still do not have access to my funds, no one will help me, I 've done everything they 've asked, even sending other family members up to the chase branch in another state with screen shots they requested of someone else 's account ... I am in a state of despair. I am the XXXX of a XXXX and have another business. I ca n't pay any bills or receive money and have had to borrow money. We are also taking care of my XXXX XXXX XXXX mother in law who just XXXX Dad and is on a very small XXXX. Please somebody help us! This is so wrong. Legally Chase Bank has no right to hold the {$1300.00} nor my own funds prior to this experience. I have incurred multiple Financial charges from my creditors and this has affected my credit negatively grossly in this very negative time of my life of sadness and loss. Emotionally they have made this tragic experience in a financial grossness. I have spent at least 30-40 hours on the phone with chase, and many hours of our family members time trying to jump through hoops at Chase 's absurd and confusing requests. There is clearly a deficiency in their policies and justice and protection is needed | ||||||
| 06/26/2021 | Yes |
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| Attention : Executive Re : ID Theft, Fraud, Gift Card Fraud, Payment Fraud, Account Take Over From : XXXX XXXX XXXX Card # XXXX Card # XXXX ( Identity Theft, Account Take Over, Gift Card Fraud, and Payment Fraud ) Dear Executive Team : Myself and my family are victims of Identity Theft, Gift Card Fraud and Payment Fraud! We are in contact with all of our bankcards companies as all were hit by this ring of fraudsters. Let me provide you with some context : 1. My laptop was stolen from my XXXX XXXX Room in XXXX, FL XX/XX/XXXX. At this time, the XXXX contacted the XXXX Police and both they and the police questioned all employees who had been in out of my room. They report that they did not believe any were involved in the theft, closing the case for the XXXX. 2. I met with the police officer, providing him an account of what happened and that the next day, after going out for dinner the night before, the Laptop came up missing, along with the backpack and other items that were in the bag. ( This report is in with these docs ). This caused my initial incidents of fraud. This all needs to be handled, as do the bounced ACH payments since they all came from XXXX, XXXX XXXX ( with XXXX ), XXXX and XXXX XXXX XXXX XXXX ( with others ) where I dont have any checking or savings accounts! This was not at all me and I have proven as much. In fact, if your bank wants to have me on the phone or needs 3rd party authorization, you may have it and you can verify this all yourself as well. Before This all started, I had a XXXX XXXX credit score, I am XXXX years old, and I dont play around with my credit at all! 3. I contacted XXXX upon having my laptop stolen had them promptly place a lock on my XXXX account, asking if anyone had attempted to access my XXXX account in the previous 24-48 hours ( during hotel and police investigation ). I was informed yes and that someone was in it at the very time we spoke. I then asked if they could identify an IP address but they could not and that it appeared it may be an unsecured public Wi-Fi. At that point they terminated access knowing it was not me that was in my XXXX account. After purchasing a new computer, I reset my XXXX but purchased an upgrade for XXXX XXXX which requires three password3, picture of myself from my computer at the time of login, and a thumbprint scan that is available on my XXXX XXXX. This may sound like overkill, but I do not want this to over happen again. This new service costs me $ XXXX and in the long-run I know it will be worth it! This is where the fraud gets worse. Note : I am a XXXX ( XXXX XXXX XXXX ), and a certified XXXX XXXX XXXX via ( XXXX ). I am not going to go into my job details, but I spend a lot of time on the road and/or over-seas working with various banks and authorities to track down and stop major XXXX XXXX and XXXX XXXX rings. The police ( reports included or you can order updates ) and I believe these fraudsters came after me hard due potentially to finding out what I do for a living ( trying to teach me a lesson ) and stop me from investigating rings of bad people. 4. From XX/XX/XXXX XX/XX/XXXX I was in XXXX XXXX on a job assignment. This is when the bulk of the fraud took place! The police believe the fraudsters were watching me through the dark web, through hacks into my network and through calls I regularly make through my computer ( XXXX, XXXX, XXXX for XXXX, etc. ) 5. The fraud started to hit early in my stay in XXXX XXXX and the police/my cell carrier both believe I was spoofed ( first I heard of this practice was from the police ). The reason for this is that one of the police investigators texted me two times and it didnt come through. Then he texted my wife and it did. Finally he texted me again and nothing! He then asked that we call my cell carrier ( XXXX ). We spoke to a Rep and one of the things he remarked on was that I had recently removed my International calling. I place it on or off depending if I am traveling abroad for work. He said, It says here that you were to be in XXXX XXXX ( XXXX ) for much of XXXX and XXXX? I told him I was and that I had recently returned so I shut it off. Then he said, There is some strange activity while you were gone because there are calls received/outgoing in the US and texts being received in the US as well. Then he said I think you have been spoofed! The cop nodded in agreement and said, I see this all the time. I had heard of this but never actually seen it first-hand and now it was happening to me! The Rep sent me to their fraud team and they added some additional controls to help stop this but admitted they are not perfect but should help a bit. One of the Technicians said, These guys are so technical and always seem to be one step ahead of us. 6. As you will see there are a bunch of charges at places like XXXX and XXXX XXXX. I have been told by one creditor that the fraudsters even called in pretending to me. This is creepy! Then I heard from my wife that XXXX had called both her and my daughter to verify my identity???? Yes, they really called my XXXXyo daughter! They both validated my identity, my daughter didnt know what for, but my wife figured that since I was in XXXX the bank was just performing due diligence. All around very strange though. Anyhow these fraudsters ran up a bunch of debt on all of my bankcards using gift-card fraud! 7. As has been validated by my itinerary attached, I came home on XX/XX/XXXX from XXXX to an absolute mess I found out about on XX/XX/XXXX. I went though everything and all of my major cards had been hit! I couldnt believe what I was seeing and it scared me! I couldnt believe the banks and the stores had allowed this and knew it was going to be a pain for me in the near future, so I called all my credit card companies, reported it, and they sent out new cards. I also gathered a ton of evidence and completed my 2nd police report but this one for fraud. Chases card numbers are included at the top of this letter. 8. I next filed fraud warnings on all three bureaus and placed a freeze on all of my familys credit files, including my XXXX yo! When I found out that someone was impersonating me, I quickly filed a report with the TX Attorney General, the Federal trade Commission and filed another police report but this time for Identity Theft. All of this has been kept up to date with the officers and agencies I contacted. I also disconnected everything from XXXX, etc. but was shocked and mortified because I have always been very careful! 9. I next contacted the Texas State XXXX and made arrangements for my entire family to get new drivers licenses and due to Covid we had to drive as a family, 3+ hours each way to take care of this right away. The cost of each license was {$48.00} per person x 4 people = {$190.00}. We were all supplied all new License numbers and had new pictures taken. Finally, I also contacted the Passport office in XXXX, making an appointment, during Covid restrictions again, got new pictures of each of us completed, and headed to their office in Downtown three days later. I had to ask for rushes on them because I wanted to be sure my family was as safe as possible. The cost for each is as follows ( passport Book and Card for myself and my wife {$140.00} each x2, passport book for my son {$110.00} x 1, Passport book for my minor daughter {$110.00} x1 and 4 x {$60.00} for the expedited fees ). The total for this is = {$740.00}. We all now have new Passport numbers. Keep in mind since these are replacements and new passport numbers, we only get the remaining number of years left, so mine, for instance, is due for renewal in 4 years, rather than 10 years. Lousy but I feel a bit safer now. I can say this, if we were allowed to change our Social Security Numbers and adjust our birth certificates, I would have done this as well. Of course, this is not possible. 10. Then the evidence I collected, and the processes I followed, were gathered and given to every creditor, whether I had an open account or not! So, you know, as of today I have sent my evidence to Chase 8 times via fax including this letter and evidence! Chase still has not indicated that they received our information, so I am faxing it again. This is so terrible and I lose sleep over it nightly. I also found the banks separate departments can not read each-others notes and unless requested, another department is not privy to any of the documentation I had sent in. This has made the process horrendous and now more fraud in different areas has taken place! The executive closure team??? has now closed my card because they just dont have access to the notes, nor do they have access to the documentation and there have been so many errors in the process along the way! Your team still hasnt been able to let me know if you have received my docs and what is actually taking place. 11. The reason that I have been given for closure of my Visa account with Chase is that I have had too many returned ACH payments. I knew that when I contacted the bank and I let you know what was transpiring. This is ludicrous since you all seem so disparate and dont appear to have a good communication process when items of such importance are handed off. I am scared now that my information is circulating the bank or in trash cans so that others can make things even worse than they have already gotten. This is a very nerve-racking issue and I want it solved as it pertains to me and my family right away. Today I also contacted the CFPB to get involved to help because not many appear to care and I feel like I am being treated as a criminal, when in fact I am far from it! Finally, these are the items I am including with this letter : Remember I am handling ID Theft, Fraud, Payment Fraud and Account Take Over and have proved all of these items with one to all of my creditors per my documentation trail that I have provided over and over. Nearly all of the Fraud took place while I was in XXXX XXXX for work XX/XX/XXXX XXXX, a smaller amount in XXXX and again in XXXX, including my Credit Union XXXX XXXX XXXX, and XXXX account takeovers. The thieves cleaned out my checking account at my credit union and kept posting fraudulent ACH payments to my Chase, XXXX XXXX and XXXX accounts, compounding the issue! THESE PAYMENTS ARE NOT AUTHORZED BY ME AND DO NOT COME FROM ANY BANK ACCOUNTS I AM A SIGNOR ON! I am supplying all of the following docs 1. Police report from XXXX XX/XX/XXXX 2. 2 Police report cards ( front and back ) and if you want copies, you can order them as they have been updated 3. My flight itineraries from XXXX XXXX ( I was not here during the vast majority of fraud period! ) 4. The Police officer 's names, badge numbers and email addresses - All will testify for me as needed but they would like XXXX XXXX XXXXXXXX to resolve before I have to go there. I love my relationships, but they need to back me up in my time of need! 5. Texas Attorney General Report 6. Credit report portion showing I filed my ID theft and fraud with all 3 bureaus ( included my wife and my kids as well ) 7. Report log and letter from the FTC I would like a call from leadership on all of this! I want my credit/credit lines restored and Im pleading for assistance as I have always been a customer in good standing! The Fraudsters came after me this hard because of what I do for work and the pattern is so obvious. My job is not that of a normal banker and thats obvious! The thieves are trying to take me out so that I stop going after them. Closing my accounts is not the solution! You will get my XXXX XXXX removed, and I will have to file bankruptcy, all because of bad people! I am not going to let fraudsters of any sort ruin my excellent credit history in the long-run, and if I must go to court with XXXX XXXX XXXX ( dont want this ), I will allow a judge to see everything in black and white! As for the payments returned to my account on, I have contacted the authorities and done all I can as a consumer. All I asked is Chase stand behind me in this time of trouble and it has been one heck of a nightmare that continues. I ask that you allow me to do what I do as a XXXX and go after these fraudsters together! All I am asking is for help and assistance to help clear all of this up since NONE of the ACH returns came from any of my accounts. This is simply fraudsters doing everything they can to ruin me and right now Chase is allowing it! I am far from being a fraudster, never having issues of this magnitude as a consumer to deal with, and I have just been caught up in situations beyond my control. From what I can see, I have not done anything wrong. Its evident to myself, my wife, the police and my attorney that I have been defrauded and then not assisted by so many people, after finally being able to really do my job with my major travel bans being lifted in XXXX due to Covid, and therefore cracking down on some large fraud rings with local, national and international authorities. All I ask is to be understood since I am hurt very badly at this point! Place yourself in my shoes for a moment. I have had to be provided prescriptions for XXXX XXXX XXXX and XXXX because of all of this and trying to get it under control. To this point Chase and others are making it worse, not better and you have not communicated with me at all unless I call you! I really need assistance here since I have great supporting documentation and an excellent timeline of all events that I can present to anyone. Due to all of this stress, I am sure I have been confused or misspoken a few times, especially as what was thought to have happened changed as evidence was received. This is awful and trying to go through every area as I have come to learn about it has been increasingly stressful as a consumer and the bank is not helping me clear this all up. Gosh darn it! This fraud, etc. has not been perpetrated by me and I need to be able to function again as a normal human being! Please HELP ME! | ||||||
| 10/12/2018 | Yes |
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| On Sunday XX/XX/XXXX, I received a text message from Chase asking if I had made a {$140.00} transaction on my checking account through my debit card. I followed the instructions on the text, by calling the number provided to inform the bank that I did not make that transaction and the debit card was always in my possession. The representative informed me that they would close the debit card immediately, issue me a new one, and that the amount had not been taken from my account, since it got flagged as fraud. I hung up and looked further into my accounts online and found that both of my savings accounts ( with thousands of dollars in them ) had been completely withdrawn, to a XXXX balance, and transferred into my checking account. After the transfer was made, I noticed that {$1000.00} had been withdrawn at a specific ATM in XXXX ( I live in CA ), a debit card charge to a XXXX in XXXX, and then another debit card charge for {$2500.00} in FL at a grocery store. I immediately called Chase back ( as I had not received any other notifications about these charges ) to inform them of these fraudulent charges and transfers on my account. I had a difficult time getting access to my information, as no matter who the Chase representative I spoke with that day, they told me that all the ways to authenticate me were not working ( text messages to my phone, account numbers/debit card numbers/PINS. After speaking with several chase representatives on XXXX XXXX, whom shared with me that they will not give out their names, because it was company policy not to, I received the following information. I was told that I made the transfers from my savings accounts to my checking when I called Chase earlier on XX/XX/XXXX. I shared that this was not me, and asked for clarification that someone called Chase impersonating me, and somehow got access to my accounts? To which they said that was correct. I asked how that was possible with all the security questions and authentication process, and I was told that the person passed the authentication process but I was not allowed to know any further information about what happened/what questions were asked, as that was Chases internal policy. I was informed that someone put a travel alert on my account, which may have been why transactions were allowed. I was transferred to another representative about ensuring this doesnt happen in the future by adding a security code to the account when calling in. when speaking with him, he said he was happy to do so, but it wasnt necessary since there wasnt any compromises via phone. I repeated my story, and firmly stated that it was compromised via phone, which another representative informed me. He said he would have to look into this before putting the security code on the account. I waited and when he returned he apologized for the misinformation and said he would help place the code on the account. I was also told that I would need to visit a local Chase branch to be authenticated and have my accounts unlocked, because my voice could not be authenticated. Because Chase would not provide me with any information about the phone conversation/what security questions the impersonator passed, I was concerned for my personal identity being stolen. I then called my local police department on XXXX XXXX to file a report about identity theft and what had occurred with the bank. On XXXX XXXX, I went to a local Chase branch and spoke with, honestly, the most helpful Chase representative through this incident, about what happened. She helped me close out all my accounts and open new ones, transferring the money into the proper accounts. She informed me that someone else should not have been able to have phone access to my account, unless they knew me, with all the questions that get asked. She was able to read through the notes on my account and informed me that the person indeed made the transfers via phone, and also added my debit card onto an XXXX XXXX account, which ( she thinks ) is how the impersonator was able to access the accounts via ATM without the physical debit card. She was able to see on the account, both ATM transactions ( {$140.00}, and {$1000.00} ) which happened at a very specific Chase Bank in XXXX, NY. She noted that when the impersonator was not able to get the {$140.00} at one ATM, they moved to another ATM at the same bank, and were able to get the {$1000.00} out 16 minutes later. The representative also provided me with the address at which the FL transaction happened on the same day, since that one was not done online either. I asked how all that was possible since the bank had already flagged the {$140.00} as possible fraud. She was unable to provide me an answer and offered to call the fraud department with me to see if we could get further information. When speaking with the fraud department, they said theyd like to put a security code/pin on the account to make it more secure. I informed the representative that there already is a pin on the account, which she didnt ask me about before discussing the account. She noted that there was one on the account and asked me for it. She then changed the story of what was shared with me earlier and stated that the transfers on my accounts were not made via phone ( despite what the in-person representative could see on my account ) but were not able to tell me how they were done if not by phone. I asked again for clarification about what was asked when the impersonator called in, to which I was told Im not able to have access to that. I shared my elevated concerns with the branch representative about my identity being stolen, and not understanding why Chase wont give me the information about my accounts that were compromised. The helpful representative placed an inquiry to Escalations within Chase and informed me that someone from this department would be calling me in the next 48hrs to discuss my concerns/complaints. On XXXX XXXX, XXXX from Escalation called me to discuss the situation. I asked for his full name, to which he reported that its Chases policy not to provide full names. I asked about all the questions above, and in specific what the conversation with the impersonator entailed. XXXX informed me that the impersonator was not asked to provide the card number or the PIN to the card number, which is all he knew at that time. I asked to have access to listen to the phone conversation since it was about my accounts and the person was claiming to be me. I was told access is only allowed to Chase employees in a certain department. I asked for follow up about the conversation if I couldnt hear it myself, including what was specifically asked by Chase, if the person wasnt asked for the PIN or the card number. I also wanted to know what the impersonator asked for after they were authenticated. XXXX told me that he would call me back in a few days with updates/answers to my questions. On XXXX XXXX XXXX called me back to inform me that the impersonator had provided a Chase representative with my Social Security number and an address. When clarifying what address was given, XXXX gave me the address of my last residency ( not current ). He also reported that, as far as he can see thats all that was asked of the impersonator. I then asked, so your telling me that someone was able to access my account by providing my S.S number and an OLD address, thats it? XXXX did not give me a confirmed yes or no answer and said that he would be following up to ensure that was the correct address he was given by another department. He proceeded to tell me that the impersonator, once authenticated, asked for what accounts are linked to my debit card? and what were the last three direct deposits on the account? I asked again how this was all possible and why other questions were not asked he said hed look into it and provided his guess/assumption of what happened that the person asked for the account information via phone, then possibly called Chase back using the automated system and transferred the money that way. I asked about the authentication process and voice recognition, how the impersonator was recognized but when I called in to report/discuss the fraud, my voice could not be authenticated why? He said he would look into that as well and get back to me. I asked what Chases process is in regards to investigating this incident and if they are working with law enforcement. I also asked if Chase has the ability to see what number the person is calling into with, to help find the person. XXXX informed me that he can not give me that information because what if you try to find the person yourself. I clarified that I was not looking for the number, just wanted to know if Chase was working on investigating the situation through various ways, including knowing the number someone called in, knowing the very specific ATM that someone took the money out of, etc. I shared concern that if it wasnt investigated soon, the surveillance evidence at the ATM would be gone. He said he would get back to me soon with an update on where the investigation was at and provide me with other answers. I also went to my local Chase bank on this day to speak with the kind representative about why the compromised checking account appeared to be over drafted, and shared my concern that I would be given fines for that. She clarified that the overdraft was because of the fraudulent amounts taken out, and I would not be charged with fees since it was fraudulent. She also confirmed that the money taken out of the account has been temporarily placed back into my account while its being investigated. We called the fraud department to see if they could provide us with updates, since I was present with a Chase representative. They transferred us over to the claims department, as they said thats who handles the investigations. We spoke with XXXX ( sp? ) who shared that I wont be informed when the investigation is complete or its outcome, but she was sure that Chase was working with law enforcement. She then said, I take that back, you will be notified, you just wont know the outcome/who did it ; its one of those things youll just see in the newspaper. I asked about the travel alert on the account, and how that was placed and she informed me that there was no travel alert on the account. After going back and forth about what other Chase representatives have told me, she was not able to give me a direct answer about what happened with the travel alert other than there was not one currently on the account. I discussed my concern about how someone was able to obtain information about my accounts with no security questions asked and my concern on Chases part that the questions asked by the impersonator wouldnt be flagged as suspicious. As if to comfort me, she explained that this was not a systems issue, it was a people issue/mistake that someone shared information that they shouldnt have and all they needed was some training. On XXXX XXXX, I called the claims department returning their call to me about one of my claims. I spoke with XXXX who informed me that I needed to fill out two claims forms, one for the {$1000.00} and one for the {$2500.00}. I explained that I had already filled one out on XXXX with a local Chase branch for the higher amount, and we werent told one needed to be done for the {$1000.00}. I said I would go to the local bank to have it completed. I asked about the investigation process to which she was only able to provide me with the investigation end dates ( XXXX XXXX for the {$1000.00} and XXXX XXXX for the {$2500.00} ) and clarify that there were two investigations. On XXXX XXXX, the police officer whom I made the report with called to ask for further information and to inform me that he called Chase bank to inquire/investigate what happened and the bank told him they wouldnt give him any information. He asked me to contact to bank and ask for the information he was looking for. I shared that Ive asked all those questions already and nobody will give me the answers. On the same day, I was contacted by a Chase representative in Escalations in place of XXXX to follow up. I asked all the questions I asked XXXX, to which the representative said they can not provide any further information as its Chases policy and that law enforcement would need to get involved. I then asked whether Chase was working with law enforcement already regarding the incident and she reported, no, that it was the customers responsibility to involve law enforcement. I asked for a number/department that law enforcement could call, since the officer who was helping me was told he couldnt get information. She provided me with a number to global security and investigations and also shared that Chase most likely wouldnt share the information with them through that number either, unless law enforcement provides them with a subpoena. I find this whole incident and process incredibly frustrating and alarming that something like this could happen and Chase is placing the responsibility of investigating on the customer, as well as withholding information about what/how this happened internally. Chase will not provide me with identify theft support/monitoring, and if thats the customers responsibility to monitor/investigate, Chase is not providing me with the information I need to protect myself. I am incredibly disappointed with the customer service, receiving different stories, and the lack of concern that this happened. Because of how this incident was handled, and for the fact that Im not being provided information on how this happened with Chase, I am looking into banking elsewhere. I do not feel my information or my money is secure with Chase. | ||||||
| 05/11/2017 | Yes |
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| Life is great, isnt it? I am going through a divorce, but that is a good thing. Time for a new beginning. I am a XXXX XXXX, so I am not rich but I have a decent and stable income. I am getting older, so I decide that it is time to move back to the East Coast and be closer to my family and support system. XX/XX/XXXX I fill out an application with Chase Bank for a mortgage loan. I provide all this documentation, including pay stubs and tax returns. The whole gamut. I am given a pre-approval letter for {$220000.00}, using my income that I will be making once I retire. I make it clear that I am going to retire from XXXX XXXX and use my pension and wages from my new career to qualify for a house in XXXX. I provide a letter from the state of XXXX with an estimate of my pension pay, with an explanation that we will not get an official reward letter until after I have worked my last day. This is due to my award being based on my highest 3 years of wages and my actual time worked. I have passed my 20 year mark, so every day I am earning more. We get an extra 2.5 % for each year we work, rounded to the nearest third decimal point. They dont know how many days I have worked until I have worked the last day. The estimated amount is an estimate for what it would be if I were to have retired at the last time my time of service and wages were reported to the state. However, my actual amount will be higher, the more days I work. I am reassured that this is not a problem and my income is not an issue. XX/XX/XXXX.. I find the perfect house. It has enough bedrooms for everyone, PLUS one for guests. It is less than 3 miles from my beloved aunt and uncle, and in the school area that my daughter wishes to attend. It couldnt be any better, unless it had more land or a fenced in yard but I can do the fence. I am certain I wont find anything more suitable for us. We submit an offer and it is accepted.XX/XX/XXXX. I decide to shop around a few places for better interest rates. XXXX XXXX also sends me a pre-approval letter and the rate is better. Chase Bank is going to match that rate so I stay with them. I have banked with them for years, and that is where my current mortgage is, so I decide to stick with them. WORST IDEA EVER. I give them {$500.00} for a loan origination fee. A week later, they take another {$500.00} out of my account for the appraisal. XX/XX/XXXX. I contact a few different insurance companies and I get some house insurance. I am so excited. Life is going to be great. I provide this to the bank so they can work on my escrow account. XX/XX/XXXX. I fly to XXXX from XXXX and get my first look at my new house. I pay {$500.00} for a home inspection. I want to make sure I am not buying a money pit. One A/C unit is broken, so I pay another company to come and look at it further. Since he is already there, I have him go ahead and fix it. Just another {$69.00} to add to the pile. While I am there, the appraiser shows up. She originally sends in the appraisal at {$210000.00}. It is a mistake, and my real estate agent spends an entire week getting it fixed. It comes back at {$220000.00} on XX/XX/XXXX. I also take a test for a job with XXXX XXXX XXXX XXXX and have an interview. I am given a job offer. XX/XX/XXXX My mortgage guy that I work with lets just call him XXXX, he calls to tell me that we are pressed to make our deadline due to everything coming to a halt during the week that the appraisal was being fixed. He asks for items, almost daily, and I provide everything that he asks for within an hour. I am ON IT. XX/XX/XXXX.. I am in XXXX for what was supposed to be my closing date. Things didnt get done and I am told that my underwriter is no longer working for the company and they are assigning it to a new one. I take a XXXX and XXXX evaluation for my new job with XXXX XXXX XXXX XXXX as a XXXX. I get an official letter from them, with a start date of XX/XX/XXXX and my starting wages listed. I give this to the bank. I get excited because I am sure we are close. I have faxed, scanned, and written explanations I have gathered documents, and I am getting it done. I wait for more requests, and for an update. Nothing. I am told that they are busy getting other loans ready to close at the end of the month, and I have been put off every day since XX/XX/XXXX, promised an update and yet dont receive one. XXXX keeps trying to get an answer, but none is given. XX/XX/XXXX. I have to be OUT of my house because it is sold. We take the proceeds and pay off all of our debt. I dont even have a car payment. OK. I am driving around a van that is 15 years old, but it IS paid for! Besides, I drive a XXXX car to work but there are problems with the loan and I am not sure what is going on. The moving van was supposed to be there on Monday, and on Friday I have to call and cancel it. My non-refundable deposit is forfeit. $ 350+ down the drain. I have to run out and get not 1, but 2 storage units.. {$350.00}. Good thing I have money. Right? I am promised an update that day, it doesnt come. Same thing on XX/XX/XXXX. XX/XX/XXXX comes and the new underwriter must have some serious issues. She rejects ALL of my incomes, current and future. She wont accept my current wage because she KNOWS I am leaving but she wont accept the pension ( even though she KNOWS it is certain ) nor will she accept my new wages until I have received my first paycheck. I now have NO income. How did that happen? Am I going to starve? I am advised that processing this loan as a primary residence will not happen. I cant rent a house. I have 5 dogs, including 2 pricey show dogs ( XXXX XXXX ) and some little dogs. I also have XXXX XXXX girls. GREAT FUN with all of us in a hotel room at over $ XXXX/night. So, we go back and start to process this as a second home. No problem just a higher interest rate and it doubles the requirement for down payment. Good thing I am RICH. Or unemployed? I forget.. I made it clear, up front, that I didnt have much for a down payment. Great.. I explain to the bank that I have a child that is a XXXX in XXXX XXXX during the next school year. I explain that I will spend that year going back and forth to do training and home renovations. During that time, I will move in my with oldest daughter, though it will require some extensive effort and moving her own things around, but it can be done since it is just temporary. I am told that I need to wait for the underwriter to agree to process it as a second home. I am told to wait and see what she says. It is Wednesday, XXXX XXXX. A DAY before I am supposed to close. I am promised an answer on that day.. it doesnt come. I have to hurry and extend my contract again they are gracious and extend it to XXXX XXXX, but I am warned that they will NOT extend it again since this is the third time and they can not afford the house now that the owner retired from being a XXXX in order to move her things out of the house in time for the first closing date. XX/XX/XXXX I still have NO answer. I am called and told that the computers are down and the underwriter will look at it on Monday, FIRST THING, and get me an answer. Monday, they call and tell me the system is still down. Same thing on Tuesday. Really? A HUGE bank like that cant get the computers fixed within 3 BUSINESS DAYS? On Wednesday, they come back up and I am called and told that the underwriter wants to deny the loan RIGHT NOW, because there isnt {$33000.00} cash to close sitting in my account that very moment. Wait, what? I was told I needed the OK to process it as a second home before I did anything else. I rally all my resources.. and in a DAY.by Friday morning, after I get gift letters signed, wire transfers made, and 2 months of bank statements from all 3 gifters, ALL of the money is in there I am so proud that I pulled it together like that. I am feeling like this is going to happen. They want updated pay stubs from me. I have to drive to our personnel office and get them. I fax them immediately same pay stubs as always no surprises there. XX/XX/XXXX. I am promised an answer TODAY. It doesnt happen. Same thing on XX/XX/XXXX.. but I am told it is in rush underwriting. XX/XX/XXXX, I get a call from XXXX around XXXX and they want to know about some deposits. They were gifts, and I provide all the documentation and explanations within an hour. The information had been supplied to the bank on Monday, but it needed an explanation. ( A gift letter stated that {$11000.00} was gifted, but did not have a place to explain that it was done in 2 separate transfers of {$5000.00} and {$6000.00}. ) At XXXX XXXX, XXXX calls and says that there is a problem. The underwriter can see the {$32000.00} sitting in my account ( I had already given {$2000.00} in earnest money, so I only needed {$31000.00} in the bank to close. ) However, I am told that ONLY HALF of that amount could be gifted and the rest had to be originally mine. WHAT? You know.a few days ago when telling me ALL this information about how if someone gifts money to me, I need to get a gift letter signed by the gifter, screen shots of the wire transfer, and 2 months of their bank statements.. it didnt occur to someone to TELL ME that I could only have a certain percentage of it in gift money? Is this just a new thing that they came up with on their own to mess with me? I am THEN told that they want me to take money out of my 401k to use as a down payment, as a condition to closing. Who do they think they are to tell me that I have to take money out of my 401k? CAN SOMEONE EXPLAIN the logic in that to me? I have this cash sitting there that I need to close, but I am just going to ignore that and go borrow out of my 401k and use THAT money, instead? ( forget that I have to pay an additional 10 % penalty on that, AND it takes 2 weeks to process it ) And I told them from DAY 1 that I could NOT take ANY money out of my 401k for 2 reasons : ( 1 ) is that there is already a loan out of it from putting money down on the house I just sold, and ( 2 ) as part of my divorce temporary orders, I am prohibited from dissolving any assets, especially my 401k. Not to mention, THIS MAKES NO SENSE. I am feeling sad that common sense isnt very common, it seems. I ask if they can just use the gift money as my credit card payoffs and use the {$71000.00} that was put into my account due to my own house closing to use as the downpayment. I am told NO. XXXX calls me and tells me that his boss is with the underwriters, and is trying to work something out. He asks if the gift money can be considered what I used to pay off all of my debt and use the money from the sale of the house as my closing money, and they told him that they would not. Not COULD not, but WOULD not. A while later, XXXX calls and says that one solution is that if I have a wealthy relative who will gift me an ADDITIONAL {$22000.00}, then I wont have to come up with any of the money on my own. ARE YOU KIDDING ME? It is XX/XX/XXXX. Two months and one week since I started this horrendous process that has stressed me out more than I have ever been stressed out in my life. For the last 3 weeks, I can hardly sleep and I can hardly force myself to eat. I feel weak and sick. I am worried about the seller of the home, and I am worried about myself. I am sitting in limbo, living out of a hotel room since XX/XX/XXXX ( not easy with BIG dogs who need exercise. ) The home seller is living in limbo. I cant make any plans more than a day out, because I have no idea what is going on and where I will be. Do I need to drive my stuff to XX/XX/XXXX? Hire a moving van? Do I need to give it up and just stay living in XXXX for the rest of my life? If the loan all falls through, I will have lost {$5000.00} and I need to find out how to recover that. AND I am going to need a place to live. Because I thought it was temporary, I was going to keep working where I am while I use up my accrued vacation and comp time to make renovations to the house, put in a fence, etc. I am not going to go live with family if it is not, indeed, a temporary place to stay. The {$5000.00} I stand to lose does not even include the $ XXXX/week to stay at the hotel until things are fixed, and the $ XXXX/day to eat out during lunch and dinner. Every day I wake up and think surely TODAY will be the day. Can anyone EVER close on a house with Chase Bank that isnt independently wealthy? How do they stay in business? Is this ANY way to treat customers? I had my last mortgage there I have checking and savings accounts there.. I have been a good customer. What did I do to deserve this? Is it really nice to change the rules in the middle of a game, SEVERAL TIMES, and expect the players to just adapt? Or even to mind read the rules so they can comply with them? It is OK to leave me, my family, the seller and her family. ALL SITTING IN LIMBO, living out of boxes, while waiting for answers.. or was it to make up new rules just to make sure the loan was denied? Is this really any way to treat customers? Who changes underwriters a week before a loan is to close ... and then the new underwriter rejects EVERYTHING that the previous one accepted, and then does n't share pertinent information while making ridiculous demands? What kind of company allows their computers to stay inoperable for such a long time with such time-sensitive matters. Who, in their right mind, thinks that it is OK to ask me to " ignore '' money sitting in my account and then bear the expense and added time of taking money out of my 401k ( that is SUPPOSED to be used for my retirement. ) Am I the ONLY one who thinks that is the most ridiculous thing that they have ever heard of? I have never had to endure something like this in my life, and the stress is unbearable. | ||||||
| 01/30/2022 | Yes |
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| XX/XX/XXXX XXXX fraud charges on my Chase business account. XXXX for {$20.00} and the other for {$18.00} both from XXXX. I called chase XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Called Chase Bank XXXX XXXX XXXX XXXX on hold hung up called XXXX XXXX XXXX XXXX. To report the fraud charges they said they were still processing and to call back when they post to my account. XX/XX/XXXX, XXXX Chase bank XXXX XXXX called Chase bank they cancelled my debit card and were sending a new debit card. XX/XX/XXXX, XXXX Went to mail box for business and there was a package. It was from XXXX to XXXX XXXX XXXX for the {$18.00} purchase. It was a XXXX vending machine. The buyer name XXXX XXXX. The return address on the package is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX fraud charges on my bank account {$42.00} and {$42.00} both from XXXX . I got my brand new debit card at my mail box. My husband called XXXX they said the email XXXX was used for the XXXX account. This is not my email address. I have an email XXXX but is not the email connected my personal amazon account or my business account. We had them block my name and address. I called Chase Bank XXXX XXXX XXXX XXXX it was an odd call as I was supposed to be on hold but there was no music and I could hear breathing called back at XXXX XXXX XXXX. Told them about the XXXX charges. Noticed the last XXXX of the brand new card I had just picked up were on the XXXX changes on my account. I asked how they got the card number to a card I had not received yet. They filed a claim and cancelled my card to send me a new one. XXXX missed call XXXX to my business phone number XXXX XXXX missed call XXXX to my business phone number XXXX XXXX missed call XXXX to my business phone number XXXX XXXX answered call from XXXX to my business phone number XXXX for XXXX hour XXXX XXXX. It is an automated message that says This is Chase with the XXXX department someone is trying to make a {$5000.00} XXXX transfer from your account is this is not you press XXXX. I pressed XXXX. A person answers the phone says their name is XXXX or XXXX from Chase XXXX department. Says did you try to make a XXXX transfer for {$5000.00} from account number xxxxxxxxx ( they had the whole number, the instructions here just say not to include the account numbers ) and I said no what is that because I had never used XXXX. And they said XXXX is a transfer account where you can send money to someone else in real time. They told me the people trying to transfer funds had my user name and password, which the " chase bank '' people were able to tell me my user name. They then had me go to my account and confirm how much money was in the account. They then asked my XXXX number and to confirm my account number, which they had already told me. They asked all of the exact same questions that Chase bank asked me the prior calls I had made regarding the XXXX fraud. They then had me set up a XXXX account in my name and phone number. They then said my account is locked and flagged because someone tried to transfer {$5000.00} 3 times and when that didnt go through they lowered the amount to {$2000.00}. They had me move to my app to do the transfer because sometimes doing it on the computer doesnt work. I moved to my app on my phone. They then had me go to pay in XXXX then type in {$5000.00} and click send. It would then come up and say sending money and had a persons name XXXX. I asked what this name is and they said it is a XXXX account of the person who tried to take the money out of your account and we are doing a XXXX reversal to get the money from their account back to your account. I clicked it. I got a text message on my business number XXXX from XXXX at XXXX it said XXXX : Your phone number was just updated for acct ending in XXXX. Visit XXXX to view this change. Reply STOP to opt out. They kept asking if a code was sent to my phone I would say no and they would say they were trying to override the system because my account was flagged and locked. When the transfer didnt go through they said they were in their supervisors office or bosses office getting a code to override the block on the account. I believe I did give them a code when it was sent to me. At XXXX chase texted my personal phone number XXXX Chase : XXXX sending money with XXXX XXXX Use requested code XXXX online or in our app to complete your payment Well NEVER call to ask for it. Then they had me keep checking on the XXXX app to see what it said. It said processing. They were trying to override it ( this is just them buying time to make sure it went through ). Once it went through they had to verify information. They asked me to confirm the debit card information and knew the last 4 digits of my card number and expiration date. I listed the full card number and 3 digit code on the back because I believed they were from Chase since they had all of the information already. I told them this card is closed because of fraud activity. They asked for social, pin number, zip code. I got a text to my business account XXXX at XXXX said XXXX : XXXX, XXXX XXXX sent you {$5000.00} using XXXX ( XXXX ). View at XXXX. They then said they would call me back tomorrow XXXX XXXX XXXX XXXX XXXX. I asked if it was going to take a long time because I was working back to back all day. They said no it wouldnt take that long. I was also told I will see it come out of my account and this was because the total funds will not be released until the last XXXX reversal and then all my money that was taken will be put back into my account. XXXX XXXX XXXX XXXX called my business number XXXX. XXXX XXXX. It is an automated message that says This is Chase with the XXXX department someone is trying to make a {$5000.00} XXXX transfer from your account is this is not you press XXXX. I pressed XXXX. A person answers the phone says their name is XXXX or XXXX from Chase XXXX department. Says I see here we need to do another XXXX reversal today. Had me go into my mobil app go to XXXX Click my name and phone number because I had created that account the day before. The same name XXXX is there I ask the same question. Who is that they say the persons account that we are reversing the fund from. My husband also asked questions. What is XXXX exactly. They answered. Said it is a service to send money to someone else in real time. He asked if the funds are still in her account why does she need to transfer funds. They said because the person scheduled transfers and it flagged the account and the money is sitting there and needs to be reversed back to my bank account from their bank account. They said there is a XXXX hour hold on the account and no other devices can access the account we asked for this to be placed permanently. I asked them for a new account number and they said they would make a note on the account. XXXX while doing this I got a text message on my personal phone XXXX at XXXX it says Chase : Youre sending money with XXXX XXXX Use requested code XXXX online or in our app to complete your payment. Well NEVER call to ask for it. I got a text message to my business phone number XXXX at XXXX it says XXXX : XXXX, XXXX XXXX sent you {$5000.00} using XXXX ( XXXX ). View at XXXX. They then said they would do another reversal tomorrow XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX missed call XXXX to my business phone number XXXX XXXX I got a text message from XXXX to my business number XXXX said XXXX : your phone number was just updated for acct ending in XXXX. Visit XXXX to view this change. Reply STOP to opt out. XXXX missed call XXXX to my business phone number XXXX XXXX missed call XXXX to my business phone number XXXX At XXXX I called the actual XXXX at Chase bank. I waited on hold for XXXX XXXX sec. They answered I told them I missed a call from the Chase XXXX department and needed to be connected to them. She transferred me and it was a XXXX minute wait. I didnt want to wait, so I hung up. My phone was acting up all morning and I had to factory reset it. We called chase from my husbands phone. XXXX I got a text on my personal number XXXX it says Chase : Youre signing in with a new device. Use request code XXXX online or in our app to sign in. Well NEVER call to ask for it. We called XXXX at XXXX it was a XXXX call. The women told us we needed to call the fraud department at XXXX. We were going to call later. XXXX XXXX called my business number XXXX Same automated message press XXXX. Connected to person XXXX. The call got disconnected. XXXX XXXX called my business number XXXX. Same automated message press XXXX. They answered and said they are having a bad storm. Where they were. This call was XXXX. Same thing go into app pay. XXXX. Click my name. XXXX {$5000.00} click send. This time the name connected to everything was XXXX. I asked who is this. They said it is the other name on the XXXX account that this is connected to. It was an account registered to XXXX and XXXX. They said last names too but it was so fast I didnt pick up on them. XXXX I got a text message to my business account XXXX say XXXX : Your phone number was just updated for acct ending in XXXX. Visit XXXX to view this change. Reply STOP to opt out. XXXX I got a text to XXXX that says XXXX : Your XXXX XXXX XXXX XXXX XXXX is no longer linked to your XXXX account. If XXXX like to re-connect it to your XXXX XXXX XXXX XXXX XXXX profile, simply visit XXXX XXXX I got a text to XXXX that says XXXX : Hi, XXXX XXXX sent you {$5000.00} using XXXX XXXX XXXX XXXX. View at XXXX They told me I would receive the last call tomorrow XXXX XXXX XXXX XXXX XXXX This will be the final call and all funds will be reversed and my account will have the funds in it. XXXX I got a text to XXXX that says XXXX XXXX Your {$500.00} payment to XXXX using XXXX XXXX XXXX XXXX is being processed. View at XXXX XX/XX/XXXX, XXXX XXXX got a call from XXXX to my business number XXXX and answered the call. Same automated message press XXXX. I pressed XXXX connected to XXXX. Said they are doing to last transfer today. I said I am locked out of my account and cant do the last transfer. They said give us a moment to get a pass code to override that. Also said they needed to go to their boss to get a code to override it. This call got disconnected at XXXX. I had received a call from a number XXXX and this was a telemarketing call asking if I use credit card payments at my business. I told them I was just on the phone with my bank and I needed to keep the line open. She said she would make it quick and repeated if I used credit cards at my business. I hung up on her and my other call was disconnected. XXXX missed call XXXX to my business account XXXX XXXX missed call XXXX to my business account XXXX XXXX missed call XXXX to my business account XXXX XXXX missed call XXXX to my business account XXXX All of this happened because they called from a number listed as Chase and matching the Chase Bank phone number on the card and website. They had my account number, last 4 of my SSN, last 4 of my debit card number, knew my account login name, all before I confirmed anything to them. The phone number I was transferring money to was my own number, so there was no reason to suspect that anything was wrong. I tried to call Chase bank to confirm some details, but was put on hold and told by their system that it was a minimum wait of XXXX minutes on XXXX call, and longer for other times I called. The XXXX time I did get through, they transferred me to the fraud department after waiting XXXX minutes, and that department had a XXXX minute hold wait. Because that I have XXXX young kids and a business to run, I couldnt wait for nearly XXXX hours to try to talk to someone. I figured that since they were calling from the Chase number and had the info thats supposed to be protected, and the recent approved fraudulent purchases on XXXX, they must be from the bank trying to help recover my money. If at any time I had suspected that I was transferring money externally, I would have stopped immediately. XX/XX/XXXX Called Chase to get my money back, because I was told all my funds would be released. This is when I found out that I was not actually talking to Chase bank over the week. The women on the phone took all my information and what happened to me. I was on the phone with her for XXXX hours. She said because of how this happened I would probably get my money back. I waited on hold another hour to talk to the fraud department. They told me they would put in for a courtesy recovery. XX/XX/XXXX Received XXXX saying as we agreed upon your claim is closed. Called Chase they said it was in to their research team for a courtesy recovery. XX/XX/XXXX Received notice through email I had a letter, but could not see it because I changed my account number on my bank account. XX/XX/XXXX Called Chase back. They told me they denied me the courtesy recovery because When you sign up for XXXX you confirm you are sending funds to someone you know and trust. I told them I was sending the money to myself and I am someone I know and trust. I told them it even says I transferred money to myself on my bank statement. I mentioned the Electronic Funds Transfer act. They kept repeating they were not refunding me my money. I asked to make another claim. He told me he would not make another claim, even though I told him I wanted to open another claim. I told him I would call back and make another claim. He told me the same decision would be made. | ||||||
| 07/23/2020 | Yes |
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| XX/XX/XXXX Dear CFPB : I hope this finds you well and safe. This is an appeal for assistance in resolving a very serious issue caused by JPMorgan Chase Bank. Thank you for reading all of it and for any and all assistance you can give. JPMorgan Chase Bank is continuing to separate me from {$11000.00} of my funds in a checking account they very suddenly and without warning restricted and closed in XX/XX/XXXX. I am unemployed due to the pandemic, have family to support, and need my funds. The Covid-19 pandemic has wreaked havoc with people 's lives including those of myself and my dependent child, and Chase 's actions in my case have greatly added to the pain and suffering. I learned on XX/XX/XXXX when trying to log into my Chase Bank checking account that JPMorgan Chase Bank had RESTRICTED and then CLOSED my checking account containing NYS Unemployment insurance benefits and Federal Pandemic Unemployment Compensation ( FPUC ) payments that had been direct-deposited into the account since XXXX by the NYS Department of Labor ( NYSDOL ). Chase 's Loss Prevention office, ( XXXX ) XXXX Option # XXXX, has repeatedly and to this day that Chase Bank " reserves its right to not provide me with a reason or explanation. '' By restricting and closing my account, and not releasing my funds to me, JPMorgan Chase Bank is forcing me into dire financial straits at a time when I am in great need of those unemployment benefits and FPUC assistance funds that Chase has separated me from in order to support myself and my child over the course of the next few months. Additionally, I was told by Chase 's Loss Prevention that I could never open another account at Chase in the future. I have never been informed of the reason for their actions. I told Loss Prevention that I have had a Chase credit card for several years and had recently paid off most or all of the balance on the credit card with funds from the checking account that they had closed. Their response was just to say, " Oh, you can keep the credit card. '' On XX/XX/XXXX, I emailed Ms. XXXX XXXX XXXX, Chase Bank 's CEO of Consumer Banking at the XXXX Headquarters, giving her details of my case, and appealed to her for assistance. ( I recently sent a copy of my XX/XX/XXXX and a follow-up email to Ms. XXXX by Certified/Return Receipt U.S. Mail. I have not yet received a response. ) On XX/XX/XXXX I received an email from " Chase Executive Office '' with a link to a Voltage securemail app, which I learned by calling the Executive Office ( XXXX ) XXXX was a means of communicating by email with the Executive Office. My email messages via the app were never responded to in writing in return. I was put in touch with someone named " XXXX '' ( only first names are given at Chase ) at Chase 's Executive Office, ( XXXX ) XXXX Ext. XXXX or Ext. XXXX, who said that he had been assigned to my case. XXXX gave me a case number, which I will gladly provide to you if requested. ( I am not sure if it's OK to include the case number in this message? ) When I asked if he could correspond with me in writing via the Voltage securemail app I had been asked to sign up for, he said that he was not able to communicate with me in writing, and is only able to do so by by phone. XXXX has repeatedly asked me to be patient over the course of the last 3-4 weeks and each time that I've called to follow up, has told me that he has not been able to get through to Chase 's " back office '' but that he will continue to try to help resolve my case. He said he had been unsuccessful, and asked if I could give him any other information that he could submit to the " back office '' as further proof. I told him that the NYSDOL had assigned me a Customer ID # and that it was a confidential number. He assured me that he would not share it with anyone who did not absolutely require it for the purpose of releasing my funds to me, so I gave him my ID #, although reluctantly. The most recent phone conversation I had with XXXX was on XX/XX/XXXX when he called to say that he did not have any further information for me and that he was " concluding '' his efforts. On XX/XX/XXXX at XXXX XXXX, I received a voice message from XXXX, who said he had been informed that my checking account would be reopened, but that he did not know when my funds would be available and would get back to me once he is able to find that information. I do not have any proof that my account has been reopened. Nothing I have been told has been in writing. Evidently, the fate of my funds is in the hands of Chase 's " back office '' or, as it's also referred to, its " centralized control team ''. My requests to contact the " back office '' directly or to leave a message for the " back office '' or " centralized control team '' to call me were always denied. Early in the morning of XX/XX/XXXX, I received a voicemail from someone named " XXXX '' from Chase Bank, saying that he had important information regarding the status of funds in my account, and I believe he was the same XXXX who had told the Chase banker, XXXX XXXX, that ( 1 ) my documentation had been approved and ( 2 ) my funds were being released. However, when calling XXXX back at the number he specified, XXXX XXXX XXXX XXXX, Option # XXXX, I was told it was not possible to reach him and that I could not leave a message for him. In XX/XX/XXXX I opened the Chase checking account online to avoid having to physically visit a branch at a time when Covid-19 was raging in New York XXXX. Chase has a number of branches closer to where I live than the bank where I had been receiving my unemployment deposits previously, and it would have been convenient if I ever needed to use an ATM. The balance in my checking account when Chase closed it was {$12000.00}. Chase has only sent me a check for {$1000.00}, dated XX/XX/XXXX, an amount that they said represent the non-Unemployment and non-FPUC portion of my funds balance. The stub of the {$1000.00} check states very incorrectly that it is for the remaining balance in my account. That is alarming. The {$1000.00} check stub states : " Update : Here 's a check for the funds that were in your Chase account ( s ). We closed your account ( s ) and attached a check for the remaining balance ( s ). We included any interest you earned up to the date of closing. If you have any questions, please call us at XXXX. Sincerely, Account Services. '' Subsequently, I was sent an account statement marked " XX/XX/XXXX through XX/XX/XXXX '' that indicates " Other Withdrawals '' in an amount of {$12000.00}, and also indicates an Ending Balance of {$0.00}. This is extremely alarming! Chase Bank is still keeping me separated from {$11000.00} of my funds, funds that constitute my Unemployment benefits and FPUC compensation funds that had been directly deposited into the account by the NYSDOL, an amount which they have confirmed. I have kept notes on conversations I have had with Chase Bank since discovering on XX/XX/XXXX that my account had been restricted and was going to be closed. On XX/XX/XXXX when I first called Chase Bank 's Loss Prevention, my {$12000.00} balance was confirmed by a representative named " XXXX '' and also by a manager named " XXXX ''. XXXX said that my balance would be released to me within 10 days, and that I could expect a cashier 's check to be overnighted to me on XX/XX/XXXX and received by XX/XX/XXXX. When I expressed additional concern about the bank 's closure of my account possibly being reported to credit reporting agencies, XXXX assured me that my account restriction and closure would NOT be reported to the credit bureaus and would not affect my credit rating. He said the restriction and closure of my account would only be kept internally at Chase and would not be shared with any outside party ( ies ). I have done absolutely nothing to warrant the restriction of my funds and the closure of my account. I called Loss Prevention again on XX/XX/XXXX and was told by someone named " XXXX '' that my account had been restricted on XX/XX/XXXX, and that Chase would prepare a cashier 's check on XX/XX/XXXX for the balance in the account, and that I didn't need to worry and didn't need to call back. But of course I was concerned. XXXX confirmed that my balance was {$12000.00}, and said that an amount of {$1100.00} ( representing an Unemployment benefit direct deposit payment of {$500.00} plus a FPUC direct deposit payment of {$600.00} ) were showing in her computer system as " pending '' and would be deposited into my account within XXXX days. When I called Loss Prevention on XX/XX/XXXX to follow up, I was told by someone named " XXXX '' that the two direct deposits from the NYSDOL totaling {$1100.00} had been rejected by Chase and returned to NYSDOL on XX/XX/XXXX. On the afternoon of XX/XX/XXXX I spoke with a supervisor at XXXX XXXX named " XXXX '', who asked me what the recurring {$500.00} and {$600.00} deposits were for. I told him that they were my weekly NYSDOL Unemployment benefits and FPUC payments, which I had explained to everyone I had spoken with at Loss Prevention since XX/XX/XXXX. XXXX then told me that I needed to provide Chase with physical proof that the funds were mine. He suggested that I go into a branch with my ID and an official document from the NYS Department of Labor so that the bank would have indisputable proof of my ownership of the funds in my account. The next day, on XX/XX/XXXX, I went to a Chase Bank branch at XXXX XXXX XXXX XXXX, XXXX XXXX NY and met with a banker named XXXX XXXX in his office. I explained the situation and provided Mr. XXXX with ( 1 ) my NYS driver 's license, ( 2 ) the debit card belonging to my checking account that Chase has closed, and XXXX XXXX ) a printout of a document from my NYSDOL account entitled, " Official Record of Benefit Payment History '' that clearly indicates my name, the last 4 digits of my social, my Unemployment effective date, benefit year ending date, the amount of my weekly Unemployment benefit ( {$500.00} ) as well as an itemization of each and every date and dollar amount of every Unemployment benefit payment and {$600.00} FPUC payment that had been made to my Chase account since it was opened. Mr. XXXX, the banker, called me the next day, on XX/XX/XXXX, to let me know that he had received a call from someone named " XXXX '' in Chase 's " back office '', who informed him that my forms of proof had been accepted and that my funds were going to be released to me within 10 days. Mr. XXXX said that a check for {$1000.00} would be sent to me that same day, and that the larger check for {$11000.00} would arrive within 10 business days. I have only received one check in the amount of {$1000.00}. I am still owed {$11000.00}. However, when I called Loss Prevention on XX/XX/XXXX to check on the status of those checks, I was told by a supervisor named " XXXX '' that there was a new notation in their computer system indicating that the release of my funds had been DENIED, and no reason or explanation was given. He went further to tell me that the system indicated there was " no time line for review '', which is alarming. I was further told by " XXXX '' that if my funds were left unclaimed for a certain length of time, they would be sent to the State of New York (!!! ) That can not be allowed to happen with my funds. I have never received any written notice in the U.S. Mail from Chase Bank that my funds were being restricted or had been restricted, nor any notice that my account was being closed or had been closed. No reason has ever been provided to me about the restriction of my funds or my account closure, despite many, many requests for an explanation. Everyone I have spoken with at Chase has maintained that " the bank is exercising its right not to give me a reason. '' To date, Chase has only mailed me one cashier 's check for {$1000.00}, and the stub on that check states that it is a final balance, which is not correct! I am still owed {$11000.00}. Chase subsequently mailed me a checking account statement that shows a final balance of XXXX, which is also absolutely not correct and is outrageous. Chase is still restricting {$11000.00} of my funds. The Covid-19 pandemic has wreaked havoc with people 's lives including those of myself and my dependent child, and Chase 's actions have greatly added to the suffering. A profound injustice has been committed by JPMorgan Chase Bank. Not only has JPMorgan Chase Bank 's actions put me in a situation where I am facing dire financial straits, my health is being affected by the enormous amount of stress this has caused and is still causing. I did nothing to warrant having my funds restricted and I need all of my funds returned to me to avoid further hardship. I have provided all documentation and more that Chase has requested of me. As I stated above, I learned from a Chase banker on XX/XX/XXXX that the documentation I provided had been approved by Chase 's " back office '' and that all of my funds would be received within 10 days. That did not happen. I have been told numerous things by different people each time I have called the bank 's Loss Prevention number. As I have stated, Chase Bank is still separating me from {$11000.00} of my funds. Many thanks to you, CFPB, for any and all assistance you can give with my case. I very much look forward to hearing from you and to a speedy return of my funds by JPMorgan Chase Bank in the amount of {$11000.00}. Very sincerely and with appreciation. | ||||||
| 08/17/2023 | Yes |
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| I have learned that there are strict regulations to protect Consumers such as myself and our personal information, and that every company dealing with a Consumer has agreed that they would follow these regulations. In a gross violation of Numerous of my rights, they have chosen not to and have repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of 1974! 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. - No adverse item besides the conviction of crimes should be on my report, any item that is a derogatory mark is not allowed into consumer reports this is another violation.- 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. -By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, they are also violating compliance procedures under this title.- Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. -Again they need prior written instruction of the individual to whom it relates.- Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information -Once again, they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974! - PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. -Every company owes me a privacy notice before they furnish any information to my consumer report, another violation! - 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -Once again they must give me an opt out notice for anything that is to be added to my consumer report.- 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; -Reporting my transaction history is illegal! Repeated Violations every month reported! - 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation, I have filed a report! - *Any collections means it has been Charged Off and is now a Certificate Of Indebtedness and is considered Income and income can not be reported to my credit report according to I.R.S. Publication Laws, they must be removed. *All Inquiries violate 15 U.S.C. Permissible Purposes, Promotional Inquiries, 3rd parties were allowed to " peek '' at my credit and violate my privacy, clear violation of numerous rights laws and acts. Each one is its own violation with a separate penalty and must be removed! These severe violations have been the actions of All the Corps Put on this Notice of Complaint ( who Ive learned I was a victim of their data breach as well, which is irrefutable proof of claim of identity theft along with XXXX and its own data breach ) XXXX XXXX XXXX who received my personal account information from XXXX XXXXXXXX XXXX ( Account Ending ( XXXX ) ), JPMORGAN CHASE NE ( Account Ending ( XXXX ) ) and JPMORGAN CHASE NE ( Account Ending ( XXXX ) ) and numerous other companies on and off my report! I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. With every violation being allowed U.S. {$1000.00} without my expressed written consent, according to 15 USC S1681 ( n ). That would intrinsically mean that for EVERY INDIVIDUAL TRANSACTION you reported worth U.S. {$1000.00} so you can do the math and give me my just compensation for your negligence of the law. Remove the information from my consumer report, this agency is in violation of 15 USC section 1681. Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, | ||||||
| 08/15/2017 | Yes |
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Web | Older American |
| This journey started in XX/XX/XXXX my wife company laid her off due to she could no longer perform her duties at work due to XXXX. 1. XX/XX/XXXX ( notice of intent to foreclose ) 2. XX/XX/XXXX ( defendant of platform modification of {$2300.00} monthly mortgage note due to being terminated from job in XXXX 3.XX/XX/XXXX XXXX XXXX XXXX ( defendant ) passed due to XXXX. ___________________________ XXXX 1.XX/XX/XXXX ( home loan may be eligible for modification program/notice of intent to foreclose ) 2. XX/XX/XXXX account turned over to plaintiffs assistant program defendant receives letter. 3.XX/XX/XXXX ( notice of trustee sale ) 4. XX/XX/XXXX ( XXXX XXXX XXXX makes requests to postpone sale date XX/XX/XXXX ) 5. XXXX XXXX XXXX and defendant faxed to plaintiffs 31 page modification package of required documents for home modification for defendants own at XXXX XXXX XXXX, XXXX, TN 6 XX/XX/XXXX modification plan is changed to forbearance plan sent to defendant XXXX XXXX 1. XX/XX/XXXX request for modification and affidavit ( RAM ) filled out and sent plaintiff 2. XX/XX/XXXX plaintiff since defendant a modification requests confirmation ( MHA ) from their making home affordable program. 3. XX/XX/XXXX neighborhood assistant program ( XXXX ) is requesting defendant to send all information for ( RAM ) to be sent to plaintiff. Defendant confirms everything is been sent to plaintiff also defendant signed documents of defendant from plaintiff. 4. XX/XX/XXXXplaintiff sends letter to defendant that making home affordable modification trial. Plan had expired because the defendant did not send in all the required documents with the defendant had sent in all documents to plaintiff that was request. 5. Duing this time starting all this XXXX to XXXX XXXX defendant sent in required payments into modification plan of {$1100.00}, sent to plaintiff after 10 months of making faithful payments on time I was not allowed to make any more payments even though I requested to continue to pay the {$1100.00} but their reasoning was I did not get all required paperwork in on time. 6. XX/XX/XXXX plaintiff since defendant response to requests for loan modification and requests a noble set of documents sent in for a mortgage modification through making home affordable ( MHA ) program 7. XX/XX/XXXX making home affordable ( MHA ) program since defendant confirmation letter. 8. XX/XX/XXXX sends letter confirmation of authorization for neighborhood assistant program ( XXXX ) to have access of records. 9. XX/XX/XXXX plaintiff requests for additional documents ( a ) recorded death certificate of deceased defendant ( b ) power of attorney for deceased defendant, information was sent in. 10. XX/XX/XXXX another set of documents sent in by defendant to plaintiff for requests for modification and affidavit ( RAM ) _________________________________________________ XXXX 1. XX/XX/XXXX, Plaintiff sends Statement of Ineligibility for loan Modification to Defendant. 2. XXXX XXXX, Plaintiff sends Defendant Letter for consideration for Home Affordable Foreclosure Program ( HAFA ) 3. XXXX XXXX, Plaintiff sends information once again for Making Home Affordable ( MHA ) Program 4. XX/XX/XXXX Plaintiff sends letter to Defendant they will no longer pay Home Owners Insurance. 5.XX/XX/XXXX Defendant sends letter Documents needed to complete Making Home Affordable ( MHA ) Program 6. XX/XX/XXXX, Plaintiff sends letter to Defendant that stated : During a recent review of accounts, we discovered that the letter advising you of your ineligibility for a modification contained certain incorrect Net Present Value ( NPV ) information ( input values ). We apologize for this error. We are enclosing a letter with the corrected NPV input values 7. XX/XX/XXXX Plaintiff sends Defendant, Corrected information for your Records letter which stated : Please note that our denial of your request for a modification was valid and the NPV input values used to conduct your original evaluation were correct. Due to our communication error, however, you now have 30 days from the date of the attached letter to contact us regarding the information provided. If you have any questions, please call us at the telephone number listed below. 7. XX/XX/XXXX, Plaintiff once again sends Defendant Letter for consideration for Home Affordable Foreclosure Program ( HAFA ) 8. XX/XX/XXXX Documents was sent from Neighborhood Assistance Program ( XXXX ) to Plaintiff for Request For Modification and Affidavit ( RAM ) Program for Defendant 9 XXXX XXXX, Defendant sends mortgage loan assumption application package as requested by Plaintiff 10. XX/XX/XXXX Plaintiff sends Letter to Defendant, Ineligible for modification 11 XX/XX/XXXX, Defendant sends mortgage loan assumption application package as requested by Plaintiff 12 XX/XX/XXXX Plaintiff turns Defendants account over to Customer Assistance Specialist ( XXXX XXXX ) 13 XX/XX/XXXX Plaintiff turns Defendants account over to Customer Assistance Specialist ( XXXX XXXX ) 14. XX/XX/XXXX Plaintiff receives letter from Defendant which states : HOPE NOW is a partnership between mortgage companies and non-profit housing counselors. Our mission is simple : we reach out to and attempt to assist homeowners who may be having difficulty paying their mortgages. Your mortgage company, Chase is a member of this alliance. Through this alliance, you can easily find out about relief options that may include repayment plans, changes that can be made to the terms of your mortgage, and other alternatives for which you may be eligible. There is no cost to explore these solutions. 15.XX/XX/XXXX Documents was sent from Neighborhood Assistance Program ( XXXX ) to Plaintiff for Request For Modification and Affidavit ( RAM ) Program for Defendant 16. XX/XX/XXXXDefendant sends letter to Plaintiff Acceleration Warning ( Notice of Intent to Foreclose ) 17 XX/XX/XXXX Acceleration Warning ( Notice of Intent to Foreclose ) sent to Defendant by Plaintiff ____________________________________________________ XXXX 1. XX/XX/XXXX Plaintiff sends letter to Defendant that the request for a modification under the Home Affordable Modification Program ( HAMP ) has been received 2. XX/XX/XXXX Defendant sends letter to Plaintiff that states : A new Form is required for the Dodd-Frank Eligibility Certification they said at least one borrower signature was missing on form that was returned ( deceased wife signature was left off ) 3. XX/XX/XXXX Plaintiff turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX ) 4. XXXX XXXX and XX/XX/XXXX same letter Plaintiff sends Defendant letter that states : Send loan assumption package within thirty days to be considered for program because I ( defendant ) am not a borrower on mortgage loan. ( have letter from Assumption Dept. they received information XX/XX/XXXX ) 5. XX/XX/XXXX Defendant sends list to Plaintiff of all requirements for loan assumption 6. XX/XX/XXXX Letter is sent by Plaintiff to Defendant for information needed to complete processing of file, 7. XX/XX/XXXX Plaintiff sends letter to Defendant that states Your Loan is currently in default 8. XX/XX/XXXX Plaintiff sends letter to Defrndant that states : send in missing information within 15 days 9. XX/XX/XXXX Plaintiff sends in Home-owners Information Packet that was requested to Defendant 10. XX/XX/XXXX turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX XXXX ) 11. XX/XX/XXXX Request by Plaintiff to Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in XX/XX/XXXX 12. XX/XX/XXXX Request by Plaintiff to Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in XX/XX/XXXX 13. XX/XX/XXXX Letter from Plaintiff to Defendant that states : Your Mortgage Loan Has Been Refereed to Our Firm For Foreclosure 14. XX/XX/XXXX, Letter from Plaintiff to Defendant that states : Notice Of Right to Foreclose 15. XX/XX/XXXX Plaintiff request Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in documents is XX/XX/XXXX 16. XX/XX/XXXX Plaintiff sends update to Defendant for request for a loan assumption modification package which states they can not help but have other options 17.XX/XX/XXXX Plaintiff turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX ) 18. XX/XX/XXXX Plaintiff sends Defendant Acceleration Warning that states : Property at XXXX XXXX XXXX XXXX Tn. Is in default. XX/XX/XXXX 1. XX/XX/XXXX Plaintiff sends in another Homeowners information Packet 2. XX/XX/XXXX Defendant Declines Neighborhood Assistannce Corporation Of America Proposal for Modification for Plaintiff. 3. XX/XX/XXXX Plaintiff sends letter to Defendant which states : your Property may be referred to foreclosure 4. XX/XX/XXXX Defendant sends Plaintiff another request For Mortgage Assistance Program ( RAM ). The deadline to get it in documents is XX/XX/XXXX 5. XX/XX/XXXX Defendant sends Letter to Plaintiff which states Your Mortgage Loan Has Been referred To Our Firm For Foreclosure 6. XX/XX/XXXX Defendant sends Plaintiff New Foreclosure Sale Date which is XX/XX/XXXX 7. XX/XX/XXXX XXXXefendant Request Plaintiffs documents to be sent in within 30 days 8. XX/XX/XXXX Plaintiff sends Forms to Defendant for Name change request on loan 9. XX/XX/XXXX Plaintiff sends out another letter for documents from Defendant to be sent in within 30 days for a loan and assumption modification all documents including name change documents were sent in. 10. XX/XX/XXXX Plaintiff sends letter to Defendant that Defendant had put in a request for home at XXXX XXXX XXXX to be sold in a short sale. ( That was incorrect information that did not come from the Defendant ) 11. XX/XX/XXXX Plaintiff sends Defendant new foreclosure sale date XX/XX/XXXX 13 XX/XX/XXXX Another Homeowners Information Packet is sent to Plaintiff from Defendant ( m ) XX/XX/XXXX Plaintiff sends letter to Defendant ( notice of upcoming foreclosure ) also request for modification denied 14. XX/XX/XXXXPlaintiff request Defendant to send in documents within 30 days to be considered for a loan assumption 15. XX/XX/XXXX Plaintiff sends Defendant new foreclosure sale date XX/XX/XXXX 16. XX/XX/XXXX Plaintiff informs Defendant that escrow account has been cancelled 17. During this time the Defendants representative XXXX XXXX XXXX had informed the Defendant that He had failed to send in all of the information requested. What she informed the Defendant was missing, was the Defendants home owners insurance information. And that was the reason I was turned down for an assumption loan. I reminded The defendants representative XXXX XXXX, the Plaintiff was paying the Home owners Insurance each month. She then told the plaintiff to resubmit the information with the insurance information in it even though the Defendant was not paying it. The Defendant sent the information right away. When defendant didnt get a response He called The Plaintiffs representative XXXX XXXX. She informed the Defendant that His information had been misplaced she could not find it. She informed the Defendant to call back the next day give her a chance to fine it. The defendant called the next day she would not answer calls or return any calls to let defendant know what was the status of the information She had misplaced. That is the Same day my home went into foreclosure for the final time. _____________________________________________ I had many options that I could have pursued during this time but I believe, know I know with no reservation that Chase dishonestly continue to lead me on into thinking they had a plan and they would transfer my name onto the loan which only had my wife 's name on it. They deliberately deceived me into thinking they had a plan until all of my options were eliminated and then they would take my home which I personally demolished 90 % of the existing home. Designed and built as my own contractor a new home which went from a XXXX sq. foot. house worth a {$100000.00} dollars in XX/XX/XXXXto a XXXX sq, foot house worth over XXXX in the XXXX market in XXXX. So they knew exactly what they were doing. I have tried to fight this battle without a lawyer its been in general court about five times I have been in XXXX court where a friend help me through this process but he did not show up for court or tell me of the court date so it was thrown out I got it in circuit court, I did a chapter XXXX and when the case was brought back to circuit court I was not notified by the Plantiff and it was thrown out of circuit court it is back in chapter XXXX I have not been able to afford a lawyer my court day is XXXX XXXX, for that hearing but on XXXX XXXX Chase has made a motion to remove the home from the Chapter XXXX because they filed the motion before I got all of the Chapter XXXX, paper-work in due to my own mistake of not being able to obtain a lawyer and not understanding the paper work that was needed. I have run out of options I live in XXXX if I loose this home there is no more options for me simply because of the crazy housing market in XXXX I have a XXXX year old XXXX son that will remain with me due to his XXXX. So I have run out of options dealing with a dishonest company with no resources to fight this dishonest and corrupt company in court. | ||||||
| 04/26/2023 | Yes |
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| Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of student loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX PLUS {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX XXXX XXXX, XXXX, and XXXX cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX YEARS OLD!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXX XXXX. However, XXXX XXXX XXXX, XXXX, XXXX, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX ( fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( 45-65 days ) '' - this was stated per XXXX Correspondences was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. JP Morgan Chase ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX ( agent # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that Chase will contact regarding update on the investigation Contact # XXXX Follow-up XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor ) spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections specialist ( XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the XXXX account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} XXXX ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX , who is my father, per agent that I spoke to XXXX Spoke to XXXX at XXXX on XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at XXXX again on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department at XXXX ( XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX XXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX per XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with XXXX XXXX Police Fraud Team Made report on XX/XX/XXXX @ XXXX XXXX Police report # XXXX Zone 2 police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the case XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke with XXXX o She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXX o Fraud alert added by XXXX o Accounts in my name XXXX XXXX XXXX, XXXX , JP Morgan disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed. Company 's Response After our review, our position has not changed. The account is valid. During our review, we found correspondence for the account was sent to an address that verifies to you. We have no record of return mail. We also confirmed a balance transfer processed on account. For these reasons, the account is not fraudulent and you are liable for the balance. Enclosed please find a copy of the previous response letters we sent you dated XX/XX/XXXX, and XX/XX/XXXX. Because the information we provide to the credit reporting agencies must match our records, we can not comply with your request to delete the account from your credit report We can not speak on behalf of other companies mentioned in your complaint. We recommend that you contact those companies directly. ATTACHMENTS XXXX, XXXX Final Letter XXXX ( 305.7 KB ) STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS JP Morgan Chase 's " investigation '' into the fraudulent account was NOT thorough and is an attempt to commit fraud themselves through false allegations that the account in question was mine. The account is NOT mine and I DO NOT agree with the investigation findings. " Tracing the address back to my name '' is an inaccurate claim, as I do not live at that address nor have I for years PLUS I was living at the address as a minor and as a young adult when this crime was committed by my parents. Additionally, XXXX XXXX conducted their own investigation and concluded that all accounts were FRAUDULENT, as did every other card company EXCEPT JP Morgan Chase, which has been the only card company to not heavily investigate my case, which further proves my argument that they themselves are committing fraud and I will pursue necessary legal action against them should they not properly investigate my case. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS HERE IS XXXX XXXX XXXX ' RESPONSE TO MY CASE AND UPON THEIR INVESTIGATION : " XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX ending in XXXX Consumer Financial Protection Bureau No. : XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. Our records reflect that the above referenced XXXX XXXX account was opened on XX/XX/XXXX, through an application submitted on XX/XX/XXXX. Per your assertions that the account was opened fraudulently using your information, we initiated an investigation. The investigation was completed on XX/XX/XXXX, and it has been determined that you are not liable for the account or balance. An update has been sent to the credit bureau reporting agencies requesting the account be removed from your credit profile. Please allow a reasonable amount of time for your credit reports to update. We report to the following credit bureau reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX, TX XXXX XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX ET. Sincerely, XXXX Executive Office of Customer Advocacy CC : CFPB '' JP Morgan Chase 's Card Fraud Services Supervisor stated to me that I needed to " show proof that XXXX determined that the accounts were fraud before JP Morgan Chase would proceed with removing the JP Morgan Chase account off my credit report '' which was stated by XXXX XXXX, as I mentioned in my initial complaint and how poorly she handled my case. THEREFORE, PLEASE SEE ABOVE AND CORRESPOND WITH XXXX XXXX XXXX. THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS XXXX investigated and found the accounts to be fraud, yet JP Morgan Chase is inaccurately claiming that the account is valid WHEN THEY SAID I NEEDED PROOF FROM XXXX FOR THEM TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT. AT THIS POINT I HAVE HAD ENOUGH AND I AM GOING TO PURSUE LEGAL ACTION AT ALL LEVELS INCLUDING AN FBI INVESTIGATION INTO THEIR PRACTICES. | ||||||
| 07/12/2017 | Yes |
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Web | |
| I am hoping you will be able to assist me. On XX/XX/XXXX I purchased a new XXXX XXXX from XXXX XXXX of XXXX. On the day that I purchased the car I signed a finance agreement with the understanding that the interest rate would be 6.5 % since the papers I signed that day said 6.5 %. Also, the financial officer told me I was getting 6.5 %. The agreement was that I would get 6.5 % interest and my payments would be XXXX. Also, the dealership financial officer told me he would get me 45 days before my first payment. If I had known what that 45 days was going to cost me I would have never purchased the vehicle. The cost of that new car has been much more than the dollar value of the car. It has caused me financial difficulties, physical health issues and a lot of stress, putting it mildly. I could have gotten the car financed at my credit union for 6.8 % interest the next day, but they insisted that they could get me a better deal. I never received a copy of the original finance agreement that I signed on XX/XX/XXXX. I was told that they would put it in the glove box along with the other papers relating to the car. The only papers that were in the glove box of my new car were the manuals that come with a new car, the window sticker and a copy of the CarDocs program flyer for the service program I agreed to purchase. I did not realize that the loan papers were not there until several days later. At that time I asked to wait until the next day to pick up the car to make sure the loan had processed and everything had cleared, but they insisted that I take it with me and that everything was fine. Over the next six weeks my credit union called me repeatedly to ask why the car I traded in had not been paid off. Each time I called XXXX XXXX and they told me that they would contact the finance company and see why it had not been paid off. In my experience if a loan is approved the day you purchase a car and you have traded in a car the trade in is paid off in the next day or two. The last week of XXXX ( about 45 days later ) the XXXX XXXX finance officer called me and asked me to come in and sign some more necessary paper work. I was confused since I had never in all the car purchases I had made signed anything six weeks after the original sale, but I went to the dealership. I was then told that the company who originally agreed to finance my new car had changed their mind. Why did it take them six weeks to tell me about this change? He assured me that he had found another finance company that was willing to finance the car with the same terms as the original agreement. I should have given him back the keys and walked out then. I felt pressured and like I was being duped. I will admit that I signed the paperwork without reading the terms. After all I had already been driving the car for six weeks and I wanted my credit union paid for my trade-in. It never occurred that they had changed the terms. Honestly, I was very frustrated with the entire situation and I was eager to get everything finalized. XXXX XXXX took advantage of my situation. When I received a statement form Chase/JP Morgan a month later the payments were much higher than we had agreed and by this time I had been driving the car for XXXX weeks. I called Chase/JP Morgan and they told me that my interest rate with them was 10.24 %. I contacted the finance officer at XXXX XXXX and was told that I signed the papers and there was nothing they could do about the situation. Again I contacted Chase and was told that the only thing I could do was refinance the car at another financial institution. No one would touch that loan. After a few months of trying to get Chase and XXXX to help me I finally contacted the Better Business Bureau about the situation on XX/XX/XXXX and after two months of the BBB trying to get a response from XXXX XXXX the general manager final responded. On XX/XX/XXXX and this was his response : After reading the info above I can only address that we work to provide the most competitive financing available based on our clients credit worthiness. Also if we are not able to meet the original agreed upon financing terms we would always give you the option of using whatever lending institution you would like or to unwind the transaction all together. We have our clients sign an acknowledgement of voluntary resign if something changes on any transaction giving you the option of accepting any changes or declining them. We are not a lending institution therefore we can not re finance any loans. We work on behalf of many lenders to secure the best financing possible for our clients. I would be happy to help you in any way we can as we would do for any client. If you agreed to a payment that is now difficult for you I would be happy to meet with you personally and see if we can maybe get you a more affordable car. We are here to help. I called you and left you a voicemail but have not received a return call. Please reach out to me and I will do anything I can to help. His entire response was exactly like the double talk that I was given the entire time I was purchasing the car. First of all no one from XXXX XXXX contacted me in any way about my BBB complaint. I check my calls, voice messages and texts several times a day and respond to them as quickly as possible. If they had tried contacted me they would have talked to me. Second, they told me they were meeting the original terms and they did not say anything about me contacting my own lending institution or undoing the agreement. After six weeks of driving the car I had no reason to believe that I had any option except to continue with the agreement and they did not offer me that possibility. Third, I did not decide in XX/XX/XXXX or XX/XX/XXXX that I was unable to make those payments. I told them the maximum I could afford before the car was financed which is why they were supposed to be getting me the lower interest rate. Then I spent the next six months trying to get them to give me a solution to the situation. Not once did they mention that I was not obligated to keep the car. Not once did they suggest that I had any other options. And last I did not knowingly sign an acknowledgement of voluntary resign, because I was told the terms were exactly the same. Also, I never got a copy of the second set of paperwork either. My response to the BBB was that I never got any type of contact from XXXX XXXX concerning my complaint and that I disagreed with everything the general manager of XXXX XXXX said in his response. The BBB sent my response to them about their double talk on XX/XX/XXXX and resent it on XX/XX/XXXX. Finally, on XX/XX/XXXX the general manager of XXXX responded with : I tried contacting you by phone. I have reviewed your file and would like to review it with you. We as a dealership prepaid your interest difference on your loan and I 'm unsure if maybe due to the time since your purchase you forgot this took place or possibly we did n't review it with you so you had a complete understanding. I have both forms and would be happy to sit down with you to re review when you have time. You can call me at XXXX. Thank you Again, he lied about trying to contact me. Had he tried to contact me he would have talked to me. I contacted XXXX XXXX and agreed to meet with him to review the paperwork that he claimed to have reviewed. When I got to the meeting he had some paperwork that were copies of something that could not even be read. He met me in the customer waiting room and started showing me the papers in his hand which he claimed were my finance agreement as we walked toward his office. At this time he put the papers in front of me and said this is what you signed and by the way we paid the difference in the interest on your loan. I flat out asked him why I was told the terms were exactly the same if they had paid the interest difference. Why wasnt I told that instead. He never responded. He just changed the subject. The entire time he never stopped talking and by the time we got to his office he asked me if I understood and I told him I understood what he was saying, but I disagreed. I also told him that the papers he had did not prove anything because from the two second glance I got I had no idea who signed those papers or if they were even mine. He said then you will tell the Better Business Bureau? I agreed that I would tell the BBB what I had just said. He took that to mean that I agreed with him. How he got that from what I said I will never understand. When I received notice from the BBB on XX/XX/XXXX saying that the case had been closed I felt that I had been mistreated again only this time by the BBB so as soon as I could on XX/XX/XXXX, I sent a statement to the BBB saying that I was not satisfied that the case was closed. On XX/XX/XXXX, the BBB received this statement from XXXX general manager, XXXX XXXX XXXX : I personally met with XXXX XXXX and we resolved her complaint. She informed me that she would notify BBB to let them know its resolved. There is nothing we can do further on our end. As I stated above I did not agree with him that the problem was settled nor did I agree that I would notify the BBB that it was resolved. I agreed to tell them The papers he had did not prove anything because from the two second look I got I had no idea who signed those papers or if they were even mine. I did not actually send the BBB the above statement, but I did tell them that I was not satisfied with XXXX XXXX explanation. Our entire meeting was us walking from the waiting area to someones office with him talking constantly and shoving a piece of paper in front of my face for a couple of seconds. I would not say that he resolved anything. XXXX XXXX basically called me a liar and got away with it. On XX/XX/XXXX I sent BBB another statement telling them that I did not agree with what XXXX XXXX has said and that I was not informed of the change of the interest rate at the time I signed the paper work and that although XXXX XXXX did feed me the line about them paying the difference in the interest rate up front I was sure that they did not and if they did they raised the price of the car so that it covered the difference and I wound up financing it with my car. My point being that how ever they did it they cheated me and cause me major problems. The BBB closed the case on XX/XX/XXXX. I was still defeated by a dishonest car dealership, but BBB could not help me. By this point I had been trying to resolve the problem with XXXX and Chase for almost a year and I was tired of fighting. I had contacted Chase every month to ask for refinancing or any other possible relief. My finances were shot and I felt that I had nowhere left to turn. All of my household bills were behind and the only way to fix that was to stop paying the car payments. I decided that I would just have to accept that I had been taken and let the situation play out. In XX/XX/XXXX I contacted Chase again with my monthly plea for help and at that time I told them that because they had not been willing to try to help me that I was going to have to stop paying the car payments. I had to start trying to get the rest of my finances in order, because the car payments had caused me to get behind on several other obligations while I was trying my best to be the honest person who always pays their debts like I have always been. I told them to start the repossession process and send someone to get the car. Apparently they did not believe me because they did not come to get it until about three weeks ago. Since the day I purchased that car my credit rating has dropped from XXXX to XXXX, all of my bills are behind, my health has declined and I am now having to take mood stabilizers. Last week I signed a contract with XXXX XXXX to help me sort out my financial situation. These are all changes brought about by being cheated by XXXX XXXX of XXXX and/or Chase/ JP Morgan on my car purchase and financing. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX, but all I have gotten from them is an automated response telling me they appreciate my patience. I also contacted www.dealer.com/ and posted a review there. Today I was told by an attorney friend to send you a letter explaining my situation. These things may not help my situation, but maybe it will keep some other unsuspecting soul from winding up being taken by these XXXX companies. One really sad thing is that almost a year before I purchased the XXXX from XXXX XXXX I purchased a used XXXX XXXX XXXX form them for my daughter. When the interest was so high on that loan I assumed it was because of the age of the car, but now looking back I am almost sure they did the same thing to me then only their partner was XXXX XXXX that time. Well, this is where I am. Chase repossessed the XXXX XXXX with only XXXX miles in XX/XX/XXXX. I was told they would sell it at auction on XX/XX/XXXX and then they would let me know how much I still owed them. I have not heard from Chase yet. I am sure I will soon. Is there anything that you can do for me or at least to keep other people from being ripped off? Thank you for your time reading this letter. I know it is long. Please let me know if there is anything else I can do concerning the situation. | ||||||
| 10/10/2021 | Yes |
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Web | Servicemember |
| Hello, I am writing to you as a last ditch attempt hoping you or someone at Chase will take responsibility for the illegal ACH payments Chase allowed even though there was no authorization for them to do so and resolve an ongoing issue with that has yet to be resolved fairly or accurately for three years, before I contact regulatory authorities through an attorney. I have always lived paycheck to paycheck and have always paid up to hundreds in fees to Chase yearly, yet I was never treated so badly as I have been the last three years costing me thousands of dollars and mental and financial stress. All of my account and personal information can be found within my first attempt outside of Chase to resolve this matter RE Financial Protection Bureau case number XXXX. the last 4 of my account was XXXX On XX/XX/XXXX I verbally withdrew my authorization to XXXX XXXX XXXX/XXXX XXXX XXXX for its access to my chase bank account. This entity recently settled with me via access financial and Texas AG case XXXX in XXXX of XXXX regarding their illegal activities of which Chase became a part of. On the same day, In order to double secure my account from their access, I took out a stop payment at Chase Bank on this same loan for XXXX XXXX XXXX XXXX XXXX XXXX . I also informed the Chase CSR ( customer service representative ) that I had revoked authorization from anyone representing and including XXXX XXXX XXXX and that they nor any entity thereof were authorized to pull money from my account. When discussing the stop payment I informed the CSR that I had gotten the payday loan from a XXXX XXXX XXXX facility but that XXXX XXXX funding was on my authorization. He said that since XXXX XXXX funding was on my original authorization he would put that on the stop check but that it would cover XXXX XXXX XXXX as well since that was the physical place to whom I had signed the authorization. He did not request any information on my authorization revocation. He placed the stop payment amounts from {$1.00} to {$4000.00}. I was told that if they tried to take out money using different names to contact Chase and they would reverse it. I have taken out quite a few stop payments to pay off loans outside of them having access to my account and have never had the difficulty of Chase continuing to allow an unauthorized entity to take money out of my account however and whenever they wished, so I trusted what he said. After paying for stop payments from any entity representing XXXX XXXX XXXX aka XXXX XXXX XXXX, On XX/XX/XXXX I was charged a {$34.00} fee by Chase to return a check number XXXX presented by XXXX XXXX XXXX aka XXXX XXXX XXXX. On XX/XX/XXXX the entity presented unauthorized check # XXXX in the amount of XXXX with no prior notice to me which is illegal and to which they have admitted as such in my settlement with them resolved in XX/XX/XXXX. Chase paid this amount, overdrawing my account and also charged me another {$34.00} fee. Subsequent checks presented by this unauthorized entity were # XXXX on XX/XX/XXXX in the amount of XXXX, # XXXX on XX/XX/XXXX in the amount of XXXX # XXXX on XX/XX/XXXX in the amount of {$30.00}. None of these ach were presented as pending and I was not aware that it was legal for an entity to add check numbers to an ach authorization so I didnt catch some of them when it was done. Regardless, I emailed from my Chase account on XX/XX/XXXX and also called on XX/XX/XXXX to request them to reverse these unauthorized charges as well as the first large one as instructed by the original CSR. I was told by the CSR that they couldnt do anything about reversing it and I was forwarded to fraud where I was grilled and treated like a criminal regardless of the fact that at any time Chase could reverse the unauthorized charges according to my stop payment. I then asked to speak to a supervisor because I couldnt believe they were treating me this way. I was sent to a fraud specialist named XXXX rather than to a supervisor. XXXX and other fraud department personnel continued over subsequent calls to abuse me and bully me by gaslighting me about my original stop payment conversation, the lack of authorization and refused to close my account to switch it or give me any option whatsoever to keep this unauthorized entity from accessing my account. After many phone calls and complaints and because she was literally yelling at me, I finally asked to speak with XXXX manager. She told me she was the highest manager and that she had no supervisor. I have found since then through discussion with other more amicable chase collection agents that this was a lie. Some of the many ways she and her crew ( even overseas call centers ) bullied and gaslighted me, consisted of asking me if I owed the company, asking if I had signed anything with the company regardless of the fact that they knew I had revoked auth, telling me they had contracts with companies that didnt allow chase to stop payments to them (????? ). I told them each that I had revoked auth and that my business with that company was between myself and that company and not my bank. XXXX nor anyone in Chases fraud department seem to understand that they are required by law to protect my account from unauthorized entities regardless of what I initially agreed to with said company outside of chase. It seems to be just how Chase does business. They continued to refuse to honor either my stop check or revocation of authorization, the former by playing semantics with the names of the companies that are one in the same and the latter Im just baffled by and have no understanding of. In spite of their concern for XXXX XXXX XXXX, they did not ask for what was on the contract as far as the authorization ( which as I found out later would have shown that I wasnt given a specified way to revoke authorization which made the original authorization I had signed null and void by law anyway ). I did tell them that according to my contract with the entity I had revoked authorization verbally. Subsequently Chase bank over drafted my account by the amount they paid to the unauthorized entity and then continued to add fees so I was unable to pay my bills without incurring late fees. I was unfortunately finally forced to move my income deposits to another bank. This ordeal caused me to be late on car and mortgage payments who charged late fees against the interest % on my loans and I finally had to do a mortgage modification that cost thousands to be added to my home loan. After many phone calls and complaints by me : on XX/XX/XXXX with XXXX and other peers of hers, on XX/XX/XXXX with XXXX a private line banker, on XX/XX/XXXX with XXXX to dispute my fraud claim denial, on XX/XX/XXXX with XXXX regarding XXXX and the fraud departments bullying tactics and refusal to help me close my account off from this unauthorized entity, and finally on XX/XX/XXXX with XXXX who was an escalation supervisor, and on many collection phone calls which I answered and consistently told the story to, they continually refuse to honor my stop payment and what I had been told or the authorization revocation. In XX/XX/XXXX I complained with the Consumer Financial Protection Bureau case number XXXX as this illegal activity continues to cost me more and more since it has been reported to XXXX XXXX and other reporting agencies and banking report entities. I have been turned down by insurance companies for my home and my car in spite of always paying on time and not having claims in my home and charged more for what I could get because of Chases unwillingness to admit they illegally refused to honor my stop payment and authorization pull. Unfortunately I did not have my numbers correct on the original complaint as it had been years since this had occurred and I suffer from XXXX XXXX XXXX for XXXX from the military making it impossibly difficult to continue to get this flack and these accusations from Chase and still stand up for myself. However, a woman named XXXX who took on my case called me and we discussed the proper dates and amounts of what had happened- so XXXX is well acquainted with the actual dates and Chases refusal to honor my stop payment or to find some way to stop this unauthorized foray into my account. I thought I had finally reached someone at chase that would see how unethical and even illegal what these employees did was. Unfortunately, the end of her investigation she called and asked me if I had recordings of the calls I had made because I had directed them in my complaint to THEIR recordings which I thought they probably had. Rather than go by the dates and amounts she and I had discussed, in her response XXXX overlooked completely the call notes which she had at her disposal regarding what was done to me by Chases fraud department - even going so far as to say that she could not give me any information regarding the many phone calls I made so that I could correct the information because legally that information belongs to Chase after I called her to ask her why she had ignored all the info I had given her and that we had gone over together. I had told her specifically that the stop payment CSR had put XXXX XXXX XXXX on it with the understanding that they are also XXXX XXXX XXXX, yet in her response she pretended that we had never had the conversation and responded to my complaint saying they refused my requested resolution Bc I never requested a stop payment. The lack of authorization of the entity into my account wasnt even approached by her. This is how the bullying, gaslighting and avoidance tactics by Chase Bank continued even now. Her response letter also said : We take complaints regarding employee conduct seriously. We do not tolerate any type of behavior that is contrary to our policy and corporate culture. ; this must mean that Chase bank has a culture of avoiding their mistakes and covering for the bank and other employees who continue to illegally not honor a stop payment and non authorized money grabs that they were continually informed about. To add insult to injury, even though I didnt mention it before, Chase paid these unauthorized checks knowing that the actual money to cover them would not be in my account ( as I was using my debit card ) and charged me for their mistakes along with redundant fees. How else would my account be thousands in the negative? Dates and Charges On XX/XX/XXXX my stop payment fee was paid for XXXX XXXX XXXX aka XXXX XXXX XXXX. {$30.00} I also told them of my authorization revocation for XXXX XXXX XXXX aka XXXX XXXX XXXX On XX/XX/XXXX I was charged a return fee of {$34.00} for a check presented by XXXX XXXX XXXX aka XXXX XXXX XXXX. This fee caused two other fees for card purchases that would have not been charged if the unauthorized check had been appropriately put under the stop payment. Chase charged me two more {$34.00} fees totaling {$100.00} in unfair illegal fees. On my XXXX XXXX XX/XX/XXXX statement, there is an ironic note saying that starting the next month we would be able to change our checking account number when our account has been compromised. I not only was not offered this, I was treated like a criminal by XXXX and Chases fraud department and not allowed to do anything to stop these outrageous fees and unauthorized check presentations to my account. During this month the afore mentioned checks were presented to my account as XXXX XXXX XXXX who is also XXXX XXXX XXXX to the total of XXXX causing {$170.00} in fees and my inability to pay my mortgage payment. I moved my income to another bank account as Chase reps continuously refused to honor my stop payment or my authorization revocation. In XXXX Chase charged me again an nsf for this same company of {$34.00} and a {$6.00} fee bc I was forced to stop deposits to this account with rogue unauthorized presentations. In XXXX I was charged another {$34.00} fee for yet another unauthorized presentation to my account and when I called to once again see if Chase would own up to their illegal activities I was refunded three {$34.00} fees totaling {$100.00} and my negative balance was written off and still reported negatively to credit reporting companies, XXXX XXXX and banking reporters. At this time I offered to pay them {$180.00} and settle this, still hoping to keep my decades long account but I was refused. In all Chase paid out a total of XXXX illegally to XXXX XXXX XXXX making my account negative that amount and charged me a total of {$370.00} ( minus a later {$100.00} fee reversal ) making a sum of {$270.00}. The total of unauthorized payments and fees adds up to XXXX. Chase claims I owe them XXXX which when the illegal activities are reversed means I would have owed them XXXX which I told them Id pay and they refused my offer. End notes I have attached a copy I sent myself of my original attempt to do what the CSR told me to do and have the phone records of when I called and how long I spoke with both chase and XXXX XXXX XXXX XXXX XXXX, as well as the many times Chase called me and I spoke with them regarding this if needed. Thanks for any help | ||||||
| 10/01/2020 | Yes |
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| On XX/XX/2020, my card was fraudulently used. My card had 44 charges from The XXXX XXXX XXXX for {$0.00} each, a charge for {$18.00} from XXXX XXXX, two charges from XXXX for {$15.00} each, and 2 charges from XXXX for {$8.00} each. I immediately opened a dispute for all of these charges as fraudulent. On XX/XX/2020, Chase removed 44 charges from XXXX XXXX XXXX XXXX, the {$18.00} charge from XXXX XXXX, two XXXX charges for {$15.00}, and two XXXX charges for {$8.00}. On XX/XX/2020, Chase credited me for another {$15.00} XXXX charge, and an additional {$8.00} XXXX charge it appears Chase credited me {$24.00} too much, since the four fraudulent XXXX charges were all removed XX/XX/XXXX. ( See attached XX/XX/XXXX statement. ) Chase cancelled my credit card and issued me a new one after I reported the fraudulent charges in XXXX, as documented in Chases XX/XX/XXXX letter. Since receiving the new card, I have not used it. Therefore, it can not have been compromised again. No one has the new card number except me and Chase. ( See attached XX/XX/XXXX letter. ) Despite that, on XX/XX/XXXX, Chase allowed a charge of {$15.00} from XXXX. On my XX/XX/XXXX statement, there is another new XXXX charge of {$15.00} dated XX/XX/XXXX. There is also a recharge of {$15.00} for XXXX dated XX/XX/XXXX. That is fine, since, as I previously pointed out, Chase credited me for an extra {$15.00} charge on XX/XX/XXXX. At this point, Chase now still over-credited me {$8.00} for XXXX, yet there are also two new XXXX charges that are fraudulent, each for {$15.00}. On the same statement, Chase credited me another {$15.00}, with a date of XX/XX/XXXX. So now we are back to Chase over-credited my account {$24.00}, plus two new XXXX charges that are fraudulent, each for {$15.00}. ( See attached XX/XX/XXXX and XX/XX/XXXX statements. ) On my XX/XX/XXXX statement, three XXXX charges were re-charged to my account from XX/XX/XXXX : one for {$15.00} and two for {$8.00}. And yet another new XXXX charge for {$15.00} for XX/XX/XXXX. It is obvious by now that each of these new charges for {$15.00} on the XXXX are the result of a subscription, since they are charged the same day every month. We will come back to that point later. Again, at this point, notwithstanding the new XXXX, XXXX, and now XXXX XXXX charges, Chase had credited me {$24.00} ( {$15.00} + {$8.00} XXXX too much. So, with the XX/XX/XXXX statement, two of the three re-charges ( one {$8.00} charge and one {$15.00} charge ) are valid, since I was over-credited, but the second {$8.00} XXXX re-charge dated XX/XX/XXXX on my XX/XX/XXXX statement is not. Chase has now shorted me on my original credits by {$8.00} AND has allowed three additional {$15.00} charges ( {$47.00} ). My XX/XX/XXXX statement has a fourth fraudulent XXXX charge for {$15.00}, bring the total outstanding fraudulent charges to {$63.00}, plus the credit I was shorted of {$8.00}, for a total of {$72.00} that Chase should credit to my account. ( See attached XX/XX/XXXX statement. ) The re-charges that are shown on my statements up to and including the XX/XX/XXXX statement appeared on my account with no communication from Chase. They simply showed back up on the account. I received no letter of explanation for why all of these re-charges were being added to my account. Upon investigating my account, I see there is a letter in my online account dated XX/XX/2020, that informs me all of the XXXX XXXX XXXX charges and the XXXX XXXX charges were deemed fraudulent, and that I would not be held responsible for them, but that the XXXX charges would be considered valid, with the reason given that I received benefit from the transaction. We will come back to that point later. I never received a hard copy letter regarding Chases decision about the fraudulent charges, nor did I even receive a notice via email that I had a letter in my online account, as usually happens when Chase posts documents in my online account. ( See attached XX/XX/XXXX letter. ) On XX/XX/XXXX, after noticing the new XX/XX/XXXX charges on my account, I called Chases fraud department. The Chase representative stated she would open a dispute. On XX/XX/XXXX, I received notice via email that I had a letter in my Chase online account. The letter was dated XX/XX/XXXX, offers no detailed information, but just generally states that Chase reviewed my fraud claim and confirmed the transaction ( s ) valid. The letter does not even tell me what fraudulent transactions they are referring to, though I assume it is ALL of the XXXX disputed transactions. I called Chases fraud department, and was told the charges were recovery. I also reported the XX/XX/XXXX XXXX charge was fraudulent again, as well as the XX/XX/XXXX and XX/XX/XXXX charges. The Chase fraud representative said he said would pass it on to the recovery department, and told me to submit my XXXX documentation via secure message. I will explain the XXXX documentation shortly On XX/XX/XXXX, I received a reply to my secure message, stating that the information I provided in the secure message was being passed on to the fraud investigators. ( See attached XX/XX/XXXX email, XX/XX/XXXX letter, XX/XX/XXXX secure message and attachments, and XX/XX/XXXX email, and XX/XX/XXXX secure message reply. ) On XX/XX/XXXX, I received notice via email of a new letter in my Chase online account. The new letter in my account is dated XX/XX/2020. It offers no detailed information, but just generally states that Chase reviewed my fraud claim and confirmed the transaction ( s ) valid. It also states they closed the fraud claim and wont review it again unless I provide new information. The letter does not even tell me what fraudulent transactions they are referring to, though I assume it is ALL of the XXXX disputed transactions. Please note that I had just provided them with XXXX documentation, which I will describe in further detail shortly. ( See attached XX/XX/XXXX email and XX/XX/XXXX letter. ) On XX/XX/2020, I called Chase at XXXX XXXX after seeing a new XXXX charge for {$15.00} dated XX/XX/XXXX on my account. The Customer Service Specialist transferred me to XXXX in the fraud department. XXXX reviewed the notes on my account and stated on XX/XX/XXXX my request for a review of the recovery chargebacks on the account was denied, even after reviewing the documents I sent. She stated the notes said it was a dispute with the merchant, not fraud. I requested proof and documentation that the charges were valid, and she stated they could not provide documentation for security reasons. ( See attached XX/XX/XXXX statement. ) I informed XXXX I was disputing XX/XX/XXXX XXXX charge for {$15.00} as fraud. On XX/XX/XXXX, I received notice via email that I had a new letter in my Chase online account. The letter, dated XX/XX/2020, offers no detailed information, but just generally states that Chase reviewed my fraud claim and confirmed the transaction ( s ) valid. It also states they closed the fraud claim and wont review it again unless I provide new information. The letter does not even tell me what fraudulent transactions they are referring to, though I assume it is ALL of the XXXX disputed transactions. ( See attached XX/XX/XXXX email and XX/XX/XXXX letter. ) To circle back on a couple of points : since XXXX, through at least XXXX, XXXX has charged at my Chase account {$15.00} every single month on the XXXX of the month. That indicates that this is a recurring subscription. This will be an important point later, when I try to block these charges from occurring. Second, as referenced earlier, I sent Chase some documentation related to XXXX. The fraud investigators asked me in the beginning whether I had a XXXX account. I informed them that yes, I do have a XXXX XXXX XXXX account does not bill to my Chase credit card, it bills to an XXXX XXXX card. When I submitted documentation of this in XXXX, I submitted a screenshot of my XXXX account with me signed in, that shows the email address associated with the account. This email address is the same email address Chase has on file in association with my Chase credit card ; it is the email address they set notices of letters to. ( XXXX ) The screenshot also showed the billing information for the account was an XXXX XXXX card. I also provided another screenshot of my XXXX billing activity for the past 12 months, which clearly shows my XXXX account was charged to an XXXX XXXX card, not my Chase credit card. The documentation I provided was for my valid XXXX account. I do not have multiple XXXX accounts! ( See Secure message attachment XXXX account and Secure message attachment XXXX billing documents. ) Chase refuses to designate these XXXX charges as fraud, despite my evidence that my XXXX account is charged to a different card. I did not authorize XXXX to charge my Chase card, and XXXX has not charged my Chase card in association with my valid account. Therefore, it is an unauthorized charge ; in other words, fraud. Obviously, there is a fraudulent XXXX account that has my compromised Chase credit card as the billing information. Not only does Chase refuse to acknowledge these as fraud, Chase refuses to stop allowing XXXX to charge my account each month, despite my repeated assertions that these are unauthorized. Just because I happen to have an account with XXXX, these charges arent considered fraud? Just because I frequent XXXX, does that mean no XXXX charge on my account could ever be fraud? Just because I shop at XXXX, does that mean any transaction with XXXX can not be considered fraud? I am not able to contact XXXX about this charge because the charge is not for my valid account. The charge is for a fraudulent account, for which I do not have any account information. XXXX is not able to look up an account based on the credit card number used. To manage this issue with XXXX, I would need account-identifying information such as the email address of account number associated with the account for which the charges were billed. XXXX from Chase informed me she could not provide me with any documentation that the charges were valid for security reasons. Waitsecurity reasons? Whose security? Chase apparently thinks this is my XXXX account, so whose security are they protecting? If it is my account, there is no security concern in providing me with the information. If there is a security concern because its not my account, this supports my claim that these are unauthorized, fraudulent charges. I thought when Chase issued me a new credit card in XXXX this would eliminate any future charges resulting from the initial fraud. Not true. I have not used the new credit card number since it was issued. Therefore, it can not have been compromised again. Yet I have new XXXX charges appearing on my account every month. Per Chase ( XXXX, in particular ), it is allowable for a recurring transaction that tries to charge a closed account to be transferred to a new account for that person. Therefore, a new card does not resolve my problem of XXXX fraudulently charging my card. XXXX does not have my new Chase credit card number ; XXXX continues to charge the compromised card number, and Chase transfers these charges from the closed account to my new account. I attempted to lock my card, thinking maybe that would prevent the XXXX charges from going through. But apparently, locking the card does not affect recurring transactions, which the XXXX charge is, since it is charged to my account on the XXXX of each month since XXXX. So Chase wont recognize the charges as fraudulent, or provide proof they are valid ( which might help me address the issue with the merchant by providing account information ). XXXX cant help me resolve this, because I cant provide any account information identifying the account using the credit card XXXX its not my account, so how could I? I dont know a name, an email address, nothing associated with the account that is charging my Chase card. Again, MY XXXX account is properly charging my XXXX card. ) I cant lock the credit card account to prevent the charges. Reissuing the card wont prevent the charges. So what option do I have other than closing this account and severing my relationship with Chase to stop XXXX from charging my credit card {$15.00} each and every month, for perpetuity? From where I stand, I have XXXX choices : close my Chase credit card account completely, since that appears to be the only way Chase will decline the charges, if my Chase account is closed, or continue to pay {$15.00} a month in fraudulent charges for the rest of my life. I am making one last attempt to get you, Chase, to recognize the issue and help me resolve it. All XXXX charges on my Chase account are fraudulent. A copy of this letter and all supporting documentation has been mailed to both Chases billing inquiries and customer service departments. A copy of this letter without the supporting documentation has been submitted as a secure message via my online Chase account, since all of the supporting documentation other than copies of the emails notifying me of letters is already contained in my online account. | ||||||
| 04/16/2020 | Yes |
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| My correspondence with Chase. Parts 1 and 2 PART 1 From : REDACTED Sent : XXXX XX/XX/2020 XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : The Challenges of Joining Chase ( ps I need access to my money! ) XXXX I wanted to write and share my experience of joining Chase as a new customer over the last few days. I understand the challenges of operating in the current period having just helped completely pivot a small business to keep it on track. Ive also previously run large call centers ( XXXX with 5 second call answer standards not banks with 90min call answer standards ) so trust me when I say I know that you can do way better, even in the current circumstances. You have significant resources available to you, judging by your XXXX results, and should clearly be investing more of these to provide better services for your customers. I opened an account with Chase on Sunday evening, tempted by the offer of a cash reward for doing so. All went well and relatively smoothly, I even managed to navigate the ridiculously complex withdrawal limits at my current bank to transfer sufficient funds to a new checking and savings accounts over the next 20 days to meet all of the hoops required to claim my cash bonus! Today, I transferred {$2500.00} into my account to begin the process and to check everything was working before my first direct deposit from my employer arrives on Friday and disaster struck ... Upon attempting to login I was informed that my account was locked due to suspicious activity. I dutifully called the number provided and found myself in a queue. Understandable if a little frustrating, but its tough to complain that the bank wants to keep my money secure. Fast forward 4 hours and Ive had a fun evening of hold music and been told several hundred times ( literally, you do the math on the same message every 90 second for four hours ) how important I am by a recorded message, but Ive made no progress. You still have my {$2500.00} and I still have no access to it. My employer has already issued my paycheck to my new account and I have a further deposit in progress that cant be cancelled. That means by Friday if I havent made it through the impenetrable maze youll have $ XXXX of my cash and Ill have no access to this or any ability to pay my bills. That may not be significant to you, having seen the recent bonuses Chase is dishing out to senior execs for performance but to me it is and I actually have a job where I do perform and ensure we provide customer service, but I digress. Back to the story. After waiting over an hour to speak to your fraud department they needed to send me to another department to have my ID verified. Frustrating, as this seems like a basic function and poor system design, but fine. A mere 90 minutes later, salvation! The phone is answered, except Ive been transferred to the wrong department. Despite my protests and explaining the problem Im told that they can only transfer me back to the original department, not to the department I need. Reluctantly, accepting my fate, I rejoin the hold music and reminders every 90 seconds of how important I am, though by now I must confess Im really not feeling all that important. A further 90 minutes or so later and Im cut off after a brief message telling me to start again if I still need to speak to someone. At XXXX, 4 hours in, worn down, but undeterred with those pesky bills Ill need to pay with the money you are holding hostage, I begin again. Im a little surprised to find a recorded message telling me that the call center closed at XXXX, by my reckoning, a mere 10mins or so after I was put back in the queue to speak to the person I had started with hours before. So yet more process design failure, though by this point Im expecting this as a standard. You may wonder why Im emailing you this saga, not a complaints department or basically anyone of the thousands of other people who should be dealing with the nuisance that is having customers who want to give you money. Well the plot thickens and you guessed it, more awful user and poor process design. It appears that to make a complaint my options are to phone ( hilarious! ) or to login and send a message - yes you guessed - login to the account Im locked out of .... Sheer genius that suggestion. As youll see there are a catalogue of user journey errors here which any vaguely competent customer experience or call center team should be able to prevent in designing pathways for customers ( and before you protest, no most of these flaws have absolutely nothing to do with COVID, they are just poor design ). I look forward to a response from someone able to address these issues with your customer service processes and who can also provide me access to my money. Having seen how siloed functions are in your call centers it may well be that youre the most junior person at the bank with the power to do two such complex tasks. Whilst having my paycheck immediately isnt life or death, choosing between paying rent or feeding the kids for me, for many of your customers right now it will be. So please please sort this mess out. If youre unable to do so I would be very happy to approach media outlets and politicians who will be able to help you more clearly see the issues for your customers who dont get multi-million dollar bonuses for performance PART 2 From : REDACTED Sent : XXXX XX/XX/2020 XXXX To : XXXX XXXX XXXX ; XXXX XXXX Cc XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : The Challenges of Joining Chase PARTS 2, 3 & 4 ( ps I STILL need access to my money! ) XXXX Me again. I'm sure you've been waiting with bated breath to hear how I'm getting on. Well today we had rounds two, three and four. No progress yet but I still need access to my money so I'm going to soldier on and will, of course, keep you updated. As I've not received so much as a redirection or out of office in response to my previous message I've gone right ahead and shared details of the saga so far with the CFPB but I don't want you or those copied to miss out on a summary of the awful service you are currently providing ( you'll note the pretend attempt at a response some way down this update - but my effort in rewriting to reflect this call is on par with the effort put into resolving the issue, hint, not even close yet ). Round 2 - a call with the local branch where I was promised they would speak to the right department and call me right back. Well it's 4 hours on, the branch is closed and no news Round 3 - I thought I'd try your social media support. Very apologetic for the delays but added zero value Round 4 - the dreaded call center loop again and again and again ... Today I was treated to just 33 minutes of being told on repeat how much you appreciate my business and value the opportunity to serve me before finding a human being. A helpful call center agent, given the direct number should I be cut off for any reason and transferred to the correct department, at least that's what I was promised. A little over 15 minutes after joining the musical interlude provided between departments I was requested to input my account number, odd but who am I to argue with the machine. I'm guessing that an error occurred here in yet another of your wonderfully designed systems but we'll probably never know. Having dutifully found and re-entered all of my details, pressed #, reentered them all again, pressed # again I had the audacity to attempt to press whichever number option would direct me back to a human being. Alas, I asked too much as was promptly cut off. Thankfully, with the trusty direct number to hand I was undeterred and decided to get straight back in there. I wouldn't want to hit the XXXX deadline again, after all I only 4 hours left until that deadline and you have to set aside sufficient time for these calls. Except the direct number was not a direct number, it was the number for another automated filter right back at the start of the journey and another 40 something minutes on hold. Mid hold music, some good news, potentially. A call on my other line from your office to confirm that yesterday 's email had been received. The plan to solve my problem and give me access to my money ... to 'look into it '. No plan, no timeframe, a lackluster apology from an employee who had clearly spent his whole day making these calls, with no news, plan or information, just a poor attempt to make us feel like something was being done. Back to the call I placed on hold and thankfully I'm still in the queue - 57 minutes since calling and it's answered. The direct number to the right department, you guessed it, was not the right department. A promise to connect me to the right department this time, 4 confirmations from me that it was in fact the right department as the call operative clearly didn't understand my problem the first 3 times. Assurance that it would definitely be the right department as it was noted on my file - so probably the wrong department as everything noted on my file so far was the wrong department but no other options. I ask for the department name and direct number so I can compare notes and maybe skip a step when it inevitably goes wrong. It's an internal number so I can't have it and the department name isn't clear but with no other way forward I take my chances. The anticipation, the potential, but no, I'm disconnected seconds after being put on hold. We're now at 90 minutes today and I'm back to the start. The cheery message, as well as reminding me how appreciated my patience is, informs me that the queue is less than fifteen minutes long. I vaguely recall hearing this same promise during one of the many hour plus waits yesterday. 15 minutes sails by ... barely surprised 30 mins ... still not mildly shocked 59 minutes, an answer, to be told again that I'm in the wrong place. I'm told I need the department the department I had the direct dial number for earlier this evening, that I now know wasn't the right department. The call center member of staff is adamant that there is no other possible way of fixing this problem but to talk to the department I had been cut off by 90 minutes before. Yet again I'm certain this is wrong, yes I did already speak to them, yes I did press option 4, but with no other option I have to join the loop again. I hang up, I dial the 'direct ' number, choose option 4, listen to the delightful woman tell me how valued I am and hold for over an hour. By this point, over 4 hours after I started my second day of telephone, it's XXXX. The hold music keeps playing, the kind lady continues to confirm that despite 8 hours on the phone with you over 2 days I am indeed important, but I know that everyone has signed off for the night so I join them. If you've made it this far, well done, you have a small fraction of the patience I've displayed the past few days. Like me, you're not at the end though. Another installment follows tomorrow. I look forward to my 4 hour loop to nowhere almost as much as I'm sure you look forward to the next update and the CFPB will be looking forward to their update ... If as well as enjoying the story you're wondering what you can do. Some suggestions : Please, please, please change your recorded message. I'm not valued or important and over 400 repetitions of this haven't changed my mind, another 200 tomorrow aren't going to help. Please have her tell me how profusely sorry you are or better yet record a message saying this yourself, if of course you are remotely sorry or even interested. Please hire someone who understand call center design and user experience. You'll have fewer frustrated customers and much better staff morale and retention - they are exhausted and frustrated with this as I am. This stuff isn't easy to fix but having unpicked call center systems and processes in a complete mess at times of crisis in tax payer funded services it can be done and with your resources it can definitely be done and shouldn't have taken five weeks. I'd normally have sent a bill for this much advice, this is gratis if you get your act together. If you need more, I can make myself available, just call the call center and they'll put you right through to me, they all know me now. You can give me access to my account, or frankly at this point just give me my money If you're giving me access to my account, then you can waive the hoops for the sign on bonus that lured me into this trap in the first place. You may recall the careful planning needed to get through the hoops at the best of times from my first dispatch. Well that's now near impossible to achieve with the roadblocks you've added to the process You can stop opening new accounts until you have competent systems and processes. Sure it'll be a hit on revenue, you'll have to forego a bonus, but you'll stop XXXX over people who can ill afford to be without their money right now I look forward to the next call from your office and hope that this one arrives with a resolution, not an exhausted staffer who has no answers | ||||||
| 03/01/2023 | Yes |
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| On or about the night hours of XXXX, my private automobile was repossessed by an unknown entity via order of XXXX ( XXXX XXXX ). I did not know where said automobile was for 8 days even with multiple unsuccessful attempts to contact XXXX XXXX for location. I am a single woman with only one automobile for private use in my domicile in Texas. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that I needed to contact their 800 number for information regarding my private property. I did so and found out that a company by the name of XXXX XXXX XXXX XXXX XXXX had repossessed this automobile. All above are violations of the consumer protection laws/constitutional laws, and Private property laws in Texas. This account has been disputed since XX/XX/XXXX with XXXX XXXX refusing all documents sent in the mail including : full settlement of account ( as appropriate via 31USC3123, 18 USC 8, Public Laws 73.10 ), Affidavit of Power of Attorney, Fee Schedule for violations of refusal to accept full discharge of account, Fiduciary Appointment. Each packet sent to XXXX XXXX was unaccounted for in the corporation computer, as all agents of said corporation could find no record of these documents. I have copies of everything sent including tracking records and all returned XXXX envelopes/refusals to discharge account. At present, XXXX XXXX XXXX XXXX is in possession of this private automobile. Please explain how this corporation can violate the following and where this corporation had consent by this XXXX XXXX and Creditor to unlawfully obtain this automobile without judicial orders : Pursuant 42 U.S. Code 1983 - Civil action for deprivation of rights- Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia XXXX subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia. Pursuant 15 U.S. Code 1692d - Harassment or abuse- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 1692eA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. 15 U.S. Code 1692f - Unfair practices- ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 15 U.S. Code 1692g - Validation of debts- ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692i - Legal actions by debt collectors- ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. Article 1 section 10 of US Constitution-No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder , ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Texas Bill of Rights Sec.A1.AAFREEDOM AND SOVEREIGNTY OF STATE. Texas is a free and independent State, subject only to the Constitution of the United States, and the maintenance of our free institutions and the perpetuity of the Union depend upon the preservation of the right of local self-government, unimpaired to all the States. Sec.A3.AAEQUAL RIGHTS. All freemen {, when they form a social compact, have equal rights, and no man, or set of men, is entitled to exclusive separate public emoluments, or privileges, but in consideration of public services. Sec.A3a.AAEQUALITY UNDER THE LAW. Equality under the law shall not be denied or abridged because of sex, race, color, creed, or national origin. This amendment is self-operative. Sec.A9.AASEARCHES AND SEIZURES. The people shall be secure in their persons, houses, papers and possessions, from all unreasonable seizures or searches, and no warrant to search any place, or to seize any person or thing, shall issue without describing them as near as may be, nor without probable cause, supported by oath or affirmation. Sec.A16.AA BILLS OF ATTAINDER ; EX POST FACTO OR RETROACTIVE 7LAWS ; IMPAIRING OBLIGATION OF CONTRACTS. No bill of attainder, ex post facto law, retroactive law, or any law impairing the obligation of contracts, shall be made. Sec.A17.AA TAKING PROPERTY FOR PUBLIC USE ; SPECIAL PRIVILEGES AND IMMUNITIES ; CONTROL OF PRIVILEGES AND FRANCHISES. ( a ) No person s property shall be taken, damaged, or destroyed for or applied to public use without adequate compensation being made, unless by the consent of such person, and only if the taking, damage, or destruction is for : ( 1 ) AA the ownership, use, and enjoyment of the property, notwithstanding an incidental use, TITLE 5. EXEMPT PROPERTY AND LIENS SUBTITLE A. PROPERTY EXEMPT FROM CREDITORS ' CLAIMS CHAPTER 42. PERSONAL PROPERTY Sec. 42.001. PERSONAL PROPERTY EXEMPTION. ( a ) Personal property, as described in Section 42.002, is exempt from garnishment, attachment, execution, or other seizure if : ( 1 ) the property is provided for a family and has an aggregate fair market value of not more than {$100000.00}, exclusive of the amount of any liens, security interests, or other charges encumbering the property; or ( 2 ) the property is owned by a single adult, who is not a member of a family, and has an aggregate fair market value of not more than {$50000.00}, exclusive of the amount of any liens, security interests, or other charges encumbering the property. Sec. 42.002. PERSONAL PROPERTY. ( a ) The following personal property is exempt under Section 42.001 ( a ) : ( 1 ) home furnishings, including family heirlooms; ( 2 ) provisions for consumption ; ( 3 ) farming or ranching vehicles and implements ; ( 4 ) tools, equipment, books, and apparatus, including boats and motor vehicles used in a trade or profession; ( 5 ) wearing apparel ; ( 6 ) jewelry not to exceed 25 percent of the aggregate limitations prescribed by Section 42.001 ( a ) ; ( 7 ) two firearms ; ( 8 ) athletic and sporting equipment, including bicycles ; ( 9 ) a two-wheeled, three-wheeled, or four-wheeled motor vehicle for each member of a family or single adult who holds a driver 's license or who does not hold a driver 's license but who relies on another person to operate the vehicle for the benefit of the nonlicensed person ; 10 U.S. Code 921 - Art. 121. Larceny and wrongful appropriation ( a ) Any person subject to this chapter who wrongfully takes, obtains, or withholds, by any means, from the possession of the owner or of any other person any money, personal property, or article of value of any kind ( 1 ) with intent permanently to deprive or defraud another person of the use and benefit of property or to appropriate it to his own use or the use of any person other than the owner, steals that property and is guilty of larceny ; or ( 2 ) with intent temporarily to deprive or defraud another person of the use and benefit of property or to appropriate it to his own use or the use of any person other than the owner, is guilty of wrongful appropriation. ( b ) Any person found guilty of larceny or wrongful appropriation shall be punished as a court-martial may direct. And Texas Supreme Court Docket Number 21-9152. https : //www.txcourts.gov/media/1453292/219152.pdf | ||||||
| 01/29/2022 | Yes |
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| To the Consumer Financial Protection Bureau, I write to you with a formal complaint against my credit card company, JP Morgan Chase, for failing to resolve two fraudulent credit card transactions I reported on my Chase Freedom credit card on XX/XX/XXXX. I have made numerous attempts to resolve the issue with them since I first reported the unauthorized charges on XX/XX/XXXX, and feel that Chase neglected to do their due diligence in investigating my case. Based on their negligence for the past nine months, I do not feel that JP Morgan Chase has any intention of fairly resolving this dispute without governmental intervention from the CFBP. I first noticed the fraudulent charges on my credit card online account activity after viewing concert tickets on XXXX. Two charges appeared in my statement activity : " XX/XX/XXXX : XXXX XXXX XXXX, {$430.00} '' " XX/XX/XXXX : XXXX XXXX XXXX, {$27.00} '' Since I had not authorized these charges or any charges of this amount, I called Chase and reported the charges as unauthorized and fraudulent. To the best of my recollection, the Chase employee I spoke to told me that there was nothing he could do about the charges, as they were " pending '' on my account, and told me that I could report them as soon as they posted. I am under the impression that Chase has the ability to stop pending transactions and I feel that it was negligent to not stop these fraudulent charges before they went through. This action would have prevented the fraud in the first place. I told the Chase employee that I was very concerned about internet hackers having my credit card information and he shut down my card and sent a new card ; however, Chase did not issue me a temporary credit for the charges I reported nor did they open an investigation until several months later. From the timespan of XX/XX/XXXX to XX/XX/XXXX, I was financially responsible for the two charges I reported as unauthorized, despite the fact that I did not consent to these charges nor did I receive any benefit from them. My right to receive a temporary credit within 10 days was violated. On XX/XX/XXXX, I called Chase yet again and spoke to someone named XXXX in the fraud department. I recounted my story again to XXXX, explained that I did not authorize the charges and received nothing from them because they were clearly a scam, and XXXX told me that he would report the charges. I never heard back from XXXX, nor did I receive any acknowledgement in the mail or via phone that my charges had been reported. On XX/XX/XXXX, I spoke to someone in Chase 's fraud department named XXXX. XXXX told me that the charges XXXX told me had been reported had not actually been reported. XXXX told me that " I can assure you this will be taken care of '' and that I " should receive a credit in XXXX hours. '' XXXX was accurate in telling me that I would see a credit to my account, which shows a posted date of XX/XX/XXXX for the two charges I reported on XX/XX/XXXX. I thought this would be the end of my dispute with Chase until XX/XX/XXXX, when I logged into my online portal and noticed that {$460.00} was charged to my account again. I called Chase 's fraud department as soon as I saw the charges reappear, and on XX/XX/XXXX, I spoke to someone named XXXX in Chase 's fraud department. XXXX told me that he would put a lost card report and open the fraud claim, and that I would receive a call or letter in 10-15 business days. I also reported Chase to the Better Business Bureau on XX/XX/XXXX. On XX/XX/XXXX, I visited my local Chase bank branch in person in XXXXXXXX XXXX, and spoke to a banker named XXXX XXXX, who assisted me in communicating with Chase 's fraud department. While I was in the branch, XXXX called the fraud department on my behalf and tried to get answers as to why the charges were reposted to my account, since the paper letter I had received from Chase in the mail, dated XX/XX/XXXX, said that the investigation of my reported charges had concluded, and that I would be held responsible for the charges because I " received benefit '' from the transactions. Since I did not receive benefit for the two charges I reported on XX/XX/XXXX, I wanted to speak to a Chase representative directly who could provide me with a transparent explanation for their decision, as well provide documentation to support their claim that I " received benefit. '' XXXX was not able to put me in touch with someone from Chase 's fraud department who would provide me with an explanation, so I left the bank branch and went home to draft a paper letter. On XX/XX/XXXX, I sent a paper letter in the mail to JP Morgan Chase 's XXXX office in XXXXXXXX and requested in writing documentation showing Chase 's investigation and documentation for denying my claim for the two unauthorized charges. I also emailed the letter to XXXX as an attachment to have it dated digitally for my own records. I directly requested that my FDIC right to receive documentation pertaining to this decision be honored and to this day have yet to receive anything despite telling Chase that I have a legal right to said documentation multiple times. On XX/XX/XXXX, I talked to a recovery supervisor named XXXX. After 35 minutes on the phone with XXXX, he verbally explained that the reason Chase denied my dispute for the two charges is because " I went back to the vendor '' that I had reported. This is not true and I have collected evidence to show that. When I asked him why he thought I went back to the fraudulent vendor, he said that in Chase 's investigation, Chase looked at my credit card transaction history and saw that I purchased tickets from XXXX on XX/XX/XXXX, and that I have purchased goods from XXXX XXXX XXXX dating back to XXXX. I did not deny this, since I have purchased merchandise from XXXX XXXX XXXX 's official store, and I did purchase tickets from XXXX on XX/XX/XXXX. What I have a problem with is the fact that Chase is assuming the two charges I reported as fraudulent on XX/XX/XXXX are the same vendor as XXXX XXXX XXXX XXXX XXXX store, when the merchant ID for these charges on my credit card statement is clearly not the same ( see attached ). I asked XXXX why Chase hadn't looked at where they sent the money to, since the charges I reported are most certainly not XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 's official merchandise store ), and he said that sometimes vendors are listed differently on credit card statements. Unsatisfied with my conversation with XXXX and Chase 's flimsy investigation, the conversation ended with XXXX saying he would look at the details of the notes on my case and call back within 7 days. While I was on the phone with XXXX XXXX Chase 's fraud department, I received another call from Chase simultaneously. I listened to the voicemail I received on XX/XX/XXXX while I was on the phone, and it was from a man named XXXX from Chase 's executive office. XXXX said that a woman named XXXX was handling my case, and provided me with a direct number and extension which I could reach XXXX at. However, XXXX 's business hours are XXXX Eastern Time, which is not accessible with my full-time job on Pacific Time. By the time I received XXXX 's voicemail, I could not call back because their office was closed ( and he also mentioned XXXX was out of the office that day ). On XX/XX/XXXX, XXXX called me back and explained that he would reach out to the executive office and would follow up with me. I told XXXX that I had been working on getting documentation from the two vendors he said Chase believes are the same vendor as the ones I reported as fraudulent confirming that they are indeed not the same, and he said that if I had documentation, to send it to Chase. XXXX said that if Chase can get documentation that the two charges I reported aren't XXXX, that they could give me my money back. However, XXXX did not provide me with a place to send the documentation I have been compiling in my own investigation. XXXX also said that he checked the " XXXX XXXX '' and that the XXXX XXXX showed the fraudulent charges were the same vendor as XXXX. I do not believe this to be true and demanded a copy of this evidence and have yet to receive anything. On XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX from Chase stating my claims are rejected by Chase and that their investigation was " thorough '' and I am responsible for the charges. That same day, my boyfriend called the CFPB on my behalf to get information that might be useful for my case. The person my boyfriend spoke to from the CFPB believed that I have a case against Chase due to Chase 's failure to give me a temporary credit during their investigation. Later on XX/XX/XXXX, I submitted a written letter to my Chase secure messaging portal stating the following : " Per case number XXXX, XXXX 's letter is inaccurate and I do not give Chase 's Fraud Department consent to close my case. I have spoken to XXXX, a supervisor in the XXXX Department, on both Friday, XX/XX/XXXX, and today, Monday, XX/XX/XXXX. Per my most recent conversations with XXXX, I request an email address where I can submit documentation pertaining to my case. XXXX verbally explained that the reason Chase has repeatedly denied my transaction disputes is because of Chase 's investigation of my transaction history, and Chase has conflated my purchase from vendors like XXXX XXXX XXXX 's official store and XXXX with the unauthorized charges I reported in my dispute case. These are not the same vendors, which I have repeatedly said since I reported the 2 unauthorized charges on XX/XX/XXXX. I have documentation confirming that the 2 charges I did not authorize are NOT the same vendor as XXXX XXXX XXXX 's official store, nor are they TicketMaster. Please advise on where I can send this information to clear up Chase 's Fraud Department 's confusion. I also have documentation showing that my right to receive a temporary credit during the investigation within 10 business days was violated, and I have confirmed with a CFPB representative that this is illegal. I still have not received paper documentation from Chase justifying their decision in my dispute case, which I requested in writing on XX/XX/XXXX, which is also illegal. '' I received a generic response to my above message saying that I must call Chase. On XX/XX/XXXX, I received a notification from the Better Business Bureau that Chase had responded to my complaint, and Chase told the BBB that we had come to a resolution, which is not true. On XX/XX/XXXX, I received a call from XXXX 's fraud department in response to the message I sent them asking for their assistance with gathering documentation. I spoke to someone named XXXX from XXXX 's fraud department, who said she would have a supervisor call me back. On XX/XX/XXXX, I called XXXX from Chase 's executive office and left a voicemail stating the following : " Hi this message is for XXXX. I received your number from XXXX, who called me on XX/XX/XXXX, when I was on the phone with a supervisor in the fraud department named XXXX. I have asked Chase more than once to communicate with me in writing, and ask that you refer to the message I sent to my Chase securing messaging portal on XX/XX/XXXX in regards to my case. Please review my message and I await your reply in writing. '' I did not receive a call back, nor did I receive a written response. Later on XX/XX/XXXX, a supervisor from XXXX 's fraud department named XXXX called me. According to XXXX, XXXX would not be able to provide me with a written statement confirming how their merchant ID appears on credit card statements, and explained that they can only provide this directly to banks. When I asked if XXXX could contact Chase on my behalf, she said that the request must come directly from the bank itself, which led me to wonder why Chase didn't already do this in their investigation of my case. When I asked XXXX if she could send me a confirmation about my purchase history for the year of XXXX, she said the only transaction she sees is from XX/XX/XXXX, and that she does not see anything from XX/XX/XXXX, thus confirming my belief that the charges I reported as unauthorized are indeed fraud and have no relation to XXXX. XXXX said that XXXX could confirm with Chase that the only charge she sees on my account from XXXX in the year of XXXX is from XX/XX/XXXX, which I do not dispute. Because Chase easily could have reached out to XXXX to confirm this information, I feel they are negligent in their investigation and have no grounds for denying my dispute case. To date, I have spent more time than necessary investigating my case, and that the burden of investigation should fall to Chase. I feel Chase is negligent in their failure to thoroughly investigate my case, and they have also failed to be transparent and provide me with the documentation that led to their decision, even though it is my right to see this documentation and I have submitted a request for it in writing. | ||||||
| 10/08/2021 | Yes |
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| Dear Sir/Madam My consumer rights are being violated and I am under enormous stress due to negligence, injustice and discrimination from Chase Bank . I have been trying to resolve the issue with the bank for four month now, however, the Chase Bank Credit Card fraud protection has completely neglected my issue and falsified previously approved facts several times. The customer service, several times, ignored my request to forward my claim to the Chase Headquarters. At this point, I am seeking protection of my consumer rights and hoping for your descriptive investigation of all illegal actions from the USAs biggest credit card issuer, the Chase Bank. I am seeking help from the Consumer Financial Protection Bureau, a U.S. government agency, to solve the issue with Chase Bank. I am looking forward to an open investigation against Chase Bank, its Credit Card Department and employees, and subsequently find hundreds of similar cases of injustice that will help millions law-abiding citizens and U.S consumers such as myself. I immigrated to the USA more than 15 years ago and my credit score has been exceptional ever since. I never had any unpaid bills nor late payments. I had never experienced such pressure of hardship and discrimination from the credit card issuer until XXXX of 2021. In XXXX of 2021, I was away, outside of the US, at my Grandfather 's funeral. He was XXXX of XXXX and died at XXXX XXXX XXXX. After I came back home, on XX/XX/2021, I had discovered a lot of fraudulent transactions and the credit card balance auto-payments from my XXXX XXXX XXXX account. I called Chase to open the claim immediately. I had multiple fraudulent charges that took place from XX/XX/2021 to XX/XX/2021 on my Chase Freedom credit cards ending # XXXX by XXXX, XXXX XXXX and XXXX. There were XXXX fraudulent transactions totaling {$20000.00} - XXXX total is XXXX small transactions for {$18000.00}, XXXX XXXX transaction for {$980.00} and XXXX XXXX transaction for {$1300.00}. On XX/XX/XXXX, Chase customer service closed my card, issued the replacement, started the refund process and asked me to keep making all my future payments. They said that I should not be worried about those charges and that my overpaid balance would be credited back to my checking account in the form of a check. ( I will gladly provide my credit card statements and XXXX XXXX debit card statements upon request ) Within several days, all XXXX claimed charges started to show as a credit on my online banking activity page. But during several weeks it was very hard to track what was in fact going on with the case. And in several weeks, in XX/XX/2021, without any note or communication, Chase stated that all fraudulent transactions were made by me and charged my credit card again. Frustrated, I called Chase customer service and was told that the claim case was transferred to the Chase Fraud Recovery Department. I spoke with the agent, he ( I did not write his name ) said that I must provide additional information. He asked to send them the screen shots of all activities from my XXXX online account with the proof that I did not purchase anything with that card those days. Also, he asked to prove that I was away on those dates. All that had to be provided through the email to XXXX. I had provided all requested information the same day and received a response that it could take up to 90 days to review a fraud claim from the day of the charge or when you reported it. In the meantime, I have been making all payments that were due. I am a very responsible individual and take all my bills very seriously and keep my credit score exceptional. I have waited for several weeks with no update from Chase Bank. In the meantime, I called both Airlines several times, the first time they asked to call the Chase Bank and claim the fraud. Both airlines clarified that that was the standard procedure that it was credit card issuer responsibility to protect me and process the charge back. I called them back and explained the complication with Chase Bank Credit Card department. Finally, both airlines confirmed that those tickets were purchased by someone else, they canceled both transactions and refunded me {$980.00} and {$1300.00}. Please, note, both airlines agreed it was fraudulent activity. I have worked directly with both airline companies, not the Chase Credit card issuer. Also, I have been calling XXXX customer service several times during those weeks and they also clarified that the standard procedure is to resolve fraud with my bank and not my job to investigate and call each store. It is the credit card issuer responsibility to protect me and process the charge back for all unrecognized charges. When I called on XX/XX/2021, the XXXX representative transferred me to the right department that handles fraud purchases. I spoke to XXXX. I explained the issue I had with Chase Bank Credit Card department, and that they are not doing anything to help me. I have also stated that XXXX and XXXX XXXX had already helped me resolve. Finally, she agreed to check my credit card activities by using my credit card number. She found all XXXX transactions from multiple orders. She confirmed that charges in XXXX were made by someone else from Texas. The hackers used my name, billing and my Chase Credit Card # XXXX to buy a lot of items with delivery to Texas. XXXX mentioned that most of the orders were delivered to XXXX XXXX XXXX XXXX XXXX, TX, XXXX and the XXXX online account holder used XXXX email. Most orders were made from multiple accounts as a guest, as one-time buyers. I requested XXXX to email or mail me that information as a proof. She explained that there is a standard procedure where the credit card issuer requests all needed information officially. So she was not able to provide any documentation to me through email. She provided the reference # XXXX regarding my call that was registered under my XXXX account XXXX email XXXX. XXXX advised to contact the Chase Bank, so the Bank could call to verify and request all the proof officially. I was so happy that I had proof now from all the companies. Same day I sent the email and called the Chase Fraud Department to share my findings to resolve my case. Apparently my case handler was the case manager named XXXX. I explained everything to him, and provided all the information and facts I had that far. He asked me to send all the information to his manager, XXXX, which I did right away. XXXX called me back in several days and requested for the conference call with XXXX. I gladly agreed, he connected us to XXXX. The representative from XXXX ( I did not write down her name ) refused to provide any information to XXXX. And that XXXX as a Chase Bank manager is supposed to know how to request all the information. So, that day XXXX was not able to get anything verbally from XXXX. He promised to request all the information from XXXX and get back to me with a positive outcome in my favor. He verbally agreed that I was right and he had no reason to doubt all the facts that I had provided to them ( the phone call was recorded by Chase ). He did not call me back for several days and I decided to call back myself. He said that my case was transferred to a different department again. At that point I was devastated and depressed. I gave it another week but there was no update from Chase. So I called multiple times with the request to be transferred to the Chase Headquarters. But they have been transferring me back to the Fraud Department over and over. Suddenly, on XX/XX/2021, I received sad news that my father passed away from XXXX in XXXX. I left the country imminently and had not been following up with the bank. After I returned in XXXX weeks, I started to call the Bank in order to speak with the Chase Headquarters manager. But, again, they have been transferring me back to the Fraud Department over and over. So, on XX/XX/2021, XXXX of the supervisors from the fraud recovery department reached me, XXXX, and offered to help me out. He said that he needs more information and to investigate all the notes from my case # XXXX. After a day he called me back. He said that he was sorry for all I went through and promised to fix it. He said that the reason for denial was that I must have accidentally clicked Yes to one of the emails that Chase sent me one of those days when I was away, from XX/XX/XXXX to XX/XX/XXXX. But he did strongly agree that it happens. He added that I must have accidentally pushed the yes button on one of the emails, especially during the hard times when I lost my beloved Grandfather. He agreed that that is not the right reason to be denied in my fraud case. So he said that in order to solve my case he needs to speak to XXXX and conferenced me. I said that we have done it prior with XXXX and that the bank has to request officially not through the phone. But he insisted on calling. He called XXXX fraud department and added me to the call. The XXXX representative ( forgot to write down her name ) was very nice. She listened to both of us and offered her help. I gave full permission to provide any information that XXXX requires. So, XXXX asked if she could confirm all what I previously told to XXXX and all other Chase representatives. She did confirm all the information and gave more details for each transaction that XXXX randomly chose out of all XXXX transactions. At some point XXXX said that all the information that she provided was sufficient for the case. And he several times told the XXXX representative that she saved all of us a lot of time and that she was very helpful. He added that he did not need any other information. So, the conference call ended. XXXX was very nice that time, he said that it was very important for my case and that I am all set now. He stated he would approve my case and process the refund. XXXX minutes later he suddenly said that I already received the refund because he did not see any outstanding balance. It did not make any sense, I proved to them that I never received the refund. If refund would have been done, my case would have been closed already and I would have XXXX as overpaid credit balance. I did not have any outstanding balance because all my payments are set to auto pay full balance and, therefore, fraudulent transactions were also paid in full automatically. XXXX was very lost. For XXXX minutes we were back and forth regarding the case. He kept saying unreasonable thighs like it was already refunded to me but could not prove, he was totally lost and none of what he was saying made any sense. He said that he will call me back after he shows my case to his manager. I felt defeated, however, had no choice and agreed to wait for his call back. On XX/XX/2021 XXXX called me back and said that he checked everything. He agreed that I was right - I have never received a refund. He said that he had to reject my appeal and close the case. That ran me over like a bus. I was shocked and speechless. I asked him what he was talking about, he was very rude at that time. I asked what about the facts : Both airlines agreed and refunded You finally got a statement from XXXX that my card and information were used by some group in TX. And you agreed for the record. I was away all that time. And that both XXXX and Chase have all IP proves that it was not me. XXXX said that the fact that I had been paying the balance due means I agreed with all the charges. This time I stopped arguing with him. I felt discriminated against and abused as he was stating all that with a smile on his face. I said that I will be filing the claim to the Consumer Financial Protection Bureau. He paused and then said that he did not care. I tried to contact the Chase Headquarters for several weeks, but I was rejected and transferred to the same department over and over again. And on XX/XX/XXXX, Chase suddenly closed 2 Chase of my credit cards with no explanation. I tried to find out the reason but bank representatives did not provide a reasonable explanation. The letter theyve sent to inform of account closure, provided a very vague rationale. I will gladly provide my travel itinerary, my credit card activities and all my research notes, all the copies, my credit score reports upon your request. In addition, each of the calls with Chase Bank and XXXX was recorded. Me and my wife and I are devastated by unlawful behavior, negligence, falsification of approved facts by Chase Bank. Please protect us and our consumer rights of all illegal actions from the USAs biggest credit card issuer, the Chase Bank. I am seeking help from the Consumer Financial Protection Bureau, to solve the issue with Chase Bank. I am looking forward to an open investigation against Chase Bank, its Credit Card Department and employees, and subsequently find hundreds of similar cases of injustice that will help millions law-abiding hard working citizens and U.S consumers such us. Thank you XXXX XXXX | ||||||
| 07/11/2022 | Yes |
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| Dear Consumer Complaint Division, On XX/XX/2022, I deposited a check in my fathers name in the amount of XXXX XXXXXXXX, XXXX and XXXX dollars and XXXX XXXX cents ( XXXX ) into my account that was endorsed to me, who I have durable power of attorney for. Before I had deposited the check, I ensured that Chase accepted endorsed checks per policy by calling the Chase customer service line and asking prior to physically depositing the check into my account. I was informed that there were no discrepancies and if I chose to deposit the check into my account, funds would be available for use and withdrawal, transfer, etc. on XX/XX/2022, from checking account ending in XXXX, after funds cleared. Based on the information I received I decided to deposit the check at my nearest Chase location which at that time was the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. At the branch the teller took my check, drivers license, and social and proceeded to complete the transaction and gave me the date of XX/XX/2022, as the expected date that funds would be made available. I kept an eye on my account through the online banking app from the day I deposited the check to the date I was given. On XX/XX/XXXX I logged into my online banking and was denied access and was prompted to call Chase at XXXX as my account was locked due to suspicious activity. I called the number given and proceeded to explain to the agent that my account was restricted, so I was transferred to the fraud department where I was told to wait for the funds to clear after XX/XX/2022, and that it was routine procedure but from what the agent could see there were no issues. XX/XX/XXXX came and went, and my account was still restricted so I called once again and explained to the Rep what had occurred, and this representative could not figure out a direct answer as to why my account was restricted and was given the run around. This went on for a couple days where I would call the number and each time would receive different information to the point of frustration. Overwhelmed, emotional, and angry I waited for an agent to tell me what the problem was. The agent reviewed my account and proceeded to explain to me that I would need a third-party verification from my father. I then explained to the customer service agent that I had a durable power of attorney for my father. I was told to bring in the power of attorney and XXXX forms of valid government issued identification to a local branch, so a banker could upload it into their secured system to review the documents and successfully lift the restriction to release the funds. At this point I had not received any form of written or oral communication from Chase regarding this important matter that involved fraudulent concerns according to the financial institution. On Saturday, XX/XX/2022, I went to the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX where I gave the documents to a banker to upload, I was told it could take up to 48 hours for the documents to be uploaded into their secured system where the fraud department would be able to see. After the 48 hours had passed, I called Chase again and was told the documents were not in the system as they never received them. So, on Monday, XX/XX/XXXX, I decided to go to the branch located on XXXX XXXX XXXX to speak with a banker and try to upload the documents again, due to the first upload not successfully transmitting into their secured system. The branch manager assisted me and was told it would take another 24 hours. for the documents to reflect on their end, so I left and waited patiently. On XX/XX/XXXX, I called the number in the fraud department again and spoke with a few agents in different departments. After a few hours of being on the phone and being transferred to different departments, I was left confused, emotional, and well misinformed. I was given an overwhelming amount of information on why, how, and when I would receive my funds. Unfortunately, that would not be the case in this matter. It started in this order. First, I was greeted by XXXX in the New Accounts Screening department, who then transferred me to the XXXX department, where I spoke with XXXX, who told me I was in the wrong department and needed to contact ( XXXX ) XXXX and choose option XXXX, and then proceeded to transfer me, which at that point was greeted by XXXX in the XXXX XXXX XXXX department. I briefed XXXX, giving in-depth details and descriptions of the issue I was having, and needed this resolved as soon as possible. I was told I might hear a moment of brief silence as she investigated the matter but was reassured that she was still on the line. At that point, I was told the XXXX I had submitted on XX/XX/XXXX finally had been uploaded. The agent informed that she would need a minute to review the documents and input information into their system so she could lift the restriction on my account and release the funds, making them available for use and even pick up at a local branch. After approximately XXXX minutes, XXXX told me that she had successfully released the RESTRICTION made on my account and could finally go to a branch and withdraw funds. I was told that upon arrival to inform a bank teller that I was there to pick up my funds. I made my way back to the branch located at XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX. I arrived at the bank teller counter and informed her of what the XXXX XXXX XXXX customer service team had told me, and she proceeded to access my account to try to initiate the transaction. Upon accessing my account ending in XXXX, the teller encountered a restriction block still on my account which at that point referred me to speak with the branch manager. The branch manager came from the front and asked me to come to her office and took my documents I had in hand and called the fraud department once again. They told her that the hold had not been lifted and asked if it was fine to put us both on another hold while they investigated this matter and reviewed the account I agreed. A short amount of time later the customer service agent came back on the phone and began speaking with the branch manager in which she explained that my account had been closed and that they had generated a check that would be mailed out. XXXX of the checks would be made out for the amount that was in my account at the time of closure. At this point, I still had not received any form of oral or written communication and had been in contact with the fraud department every day, several times a day since the restriction had been placed and did not comprehend why no agent informed me of this action or even explain the procedure on the policy regarding this matter. The branch manager asked me if the address that they had on file was a good address where they could send the funds. I told the manager and the agent on the phone that I would like to have it sent to my XXXX XXXX in which the agent replied that they could not send any mail to XXXX XXXX XXXX and thats when the Manager suggested that Chase send the check to the Branch, it would take XXXX business days and she would call me once the checked had arrived. I was under the impression that I would finally be receiving all my funds from the account including the endorsed check that I had deposited. During my visit the branch manager had even taken it upon herself to offer a new checking account and opened the account for me and even offered to call my landlord to explain my financial situation and ensure that the matter had been resolved and I was just awaiting the check to arrive, so I could fulfill my financial responsibilities without losing the opportunity for the home that I was approved to move into. This gesture was offered to ensure that I would be receiving my money and as a way to buy the bank some time while I waited for the checks to arrive as this had all been an inconvenience and was interfering with my ability to meet my financial obligations leaving a huge impact on my household and our financial well-being. I agreed and we ended that interaction on that note. I waited for the 4-7 business days that was given to me and I had not received any call or communication from the Chase or the branch manager that had assisted me, so I decided to call the branch and ask if there was any update regarding my matter. I was told by a bank teller that the branch manager was not available and was on vacation. At that point I proceeded to contact the customer service number to see what was going on as I needed access to the funds as I was moving and needed to pay my landlord a security deposit and many other essential financial matters that was crucial to my future and support of my household. I was greeted by a customer service agent and gave her my credentials needed to look up my account and the agent asked me to give her a minute to review my account and any notes left from previous agents to see what was going on. After a few moments on hold she came back on the line and informed me that in order to release the funds she would need a death certificate for my father in which I replied frustrated that my father was not dead but well alive and does not live in the United States in which she replied that since he is not dead then they would need him to come into a branch with a government issued I.D . or they would need a phone number in his name that they could verify and call to speak to him. I then began to become more upset, irritated, and emotional and began to explain to the agent that my father did not live in the United States and did not have a government issued I.D . let alone a U.S. phone number in his name. I told the agent that the Durable Power of Attorney should be sufficient to release the funds as the document gave me authority to these types of transactions. I asked the agent if they could just return the funds to the check as a way of cancelling the transaction and the agent then rudely told me no they would not reverse the transaction that I was not entitled to the money, as it is not mine, and they would not release the funds, as my account is now closed, and I was no longer a customer. I told the agent that they were stealing and depriving my family of the money that my father worked hard for and left for his family. The agent cut me off and asked if there was anything else they could help with and proceeded to disconnect the call. I then decided that I was going to try XXXX more attempt at resolving this matter through Chase and filed a complaint with the Chase complaints department and waited for a response. Surprisingly I received a call from the complaints department on XXXX who kindly greeted me and assured me that they would do their best to resolve this matter and asked me how I would like to receive the funds and took my information down and asked me to describe what had happened. I explained to the agent the situation and he thanked me for my time and told me that I would be receiving a call from his department in a few days to update me on the outcome. The following week I had received a call from the same complaints department in which this agent explained to me that in conclusion of attempting to resolve my matter the only way they would release the funds was for my father to physically come into the branch with a government issued I.D . I began to argue with the Agent and explained to him that Chase is wrong they did not even follow proper procedure in my matter as I had not received any letter or form of communication prior to closing my account or after closing my account. I also mentioned to the Agent that at the time that Chase decided to close my account XXXX checks were generated XXXX in the amount of the balance I had prior to depositing the check and XXXX in the amount of XXXX, XXXX. Chase decided to only mail out XXXX of the checks and keep the other check and refuse me the right to access the money that my father left his family. I have revised and read the Deposit agreement that is signed prior to opening an account and I did not see any clauses in the agreement that shows the policy that Chase is implementing in my case is proper protocol. The bank has not considered the havoc it has wreaked on my household financially nor the opportunities it has deprived my family from. Chase has only shown interest in their financial gain and continues to hold on to money that is not theirs and justifying their actions as ethical and not whats in the best interest of the consumer. I have not been treated with respect or even given the courtesy to even communicate or know why they have acted in the manner thus far. This all has been an inconvenience and a series of different emotional events for my family and I. We have had to put our plans and goals on hold and have lost so much financially, spiritually, emotionally and have suffered a great ordeal due to the actions of Chase. | ||||||
| 01/29/2021 | Yes |
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| This was sent to me : We're making the following changes to your Cardmember Agreement as described below. We're changing fees, the minimum payment and Penalty Annual Percentage Rate ( APR ) on your account to standardize terms for cardmembers who have the same type of account. We are also updating the description of the My Chase PlanSM Fee, and making changes to these sections of the Cardmember Agreement : Amendments, Cash-like Transactions, My Chase PlanSM, and Interest-Free Period. All changes take effect XX/XX/2021. Rejecting changes : You have the right to reject the changes in the Revised Terms table ( excluding the new My Chase Plan Fee ), but you must contact us by XX/XX/2021 if you want to do this. Call us at XXXX or write to us at Cardmember Services, XXXX XXXX XXXX, XXXX, DE, XXXX. We accept operator relay calls. If you reject these changes, we will close your account and you will not be able to use it for new transactions. You will still be responsible for making monthly payments until your balance is paid in full. Details on the Changes to Your Account Effective XX/XX/2021 : 1. Your Cardmember Agreement Rates and Fees Table is amended as follows : Revised Terms as of XX/XX/2021 Penalty APR and When It Applies Up to 29.99 %. This APR will vary with the market based on the Prime Rate.c We may apply the Penalty APR to your account if you : fail to make a Minimum Payment by the date and time that it is due ; or make a payment to us that is returned unpaid. How Long Will the Penalty APR Apply? : If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. My Chase PlanSM Fee ( fixed finance charge ) Monthly fee of 1.72 % of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full. Late Payment Fee Up to {$40.00} Return Payment Fee Up to {$40.00} c Penalty APR : We add up to 26.99 % to the Prime Rate to determine the Penalty APR. Maximum APR 29.99 %. Variable APRs are based on the highest U.S. prime rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before your statement closing date. The U.S. prime rate is currently 3.25 % as of XX/XX/2021. The daily periodic rate is 0.08217 %. Additional Information About These Changes My Chase Plan Fee : The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan. Penalty Fees ( Late Payment Fee and Return Payment Fee ) : A single violation of each type will not exceed {$29.00}. However, if another violation of the same type occurs within six monthly billing periods, we will charge up to the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due. 2. The description of Minimum Payment found under your Cardmember Agreement Rates and Fees Table is changed to read as follows : Minimum Payment : We will calculate the minimum payment as : Any past-due amounts ; PLUS Any special payment obligations in connection with Flexible Financing Offers which require repayment of the balance over a pre-selected number of billing periods ; PLUS The larger of : {$40.00} ( or total amount you owe if less than {$40.00} ) or The sum of : 1 % of the new balance ( excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a pre-selected number of billing periods ), PLUS any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated. 3. Getting Started : Your Account " What It Means to You '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to Penalty APR, as follows : We may change the terms of this agreement including APRs and fees from time to time. We may also add new terms or delete terms. APRs or other terms may also change without amendment, for example when the Prime Rate changes or the Penalty APR becomes applicable. See the Variable APR and Penalty APR sections for details. " Our Responsibility '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to delivery of amendments, as follows : Our ability to make changes to this agreement is limited by applicable law. We may communicate amendments to this agreement to you via mail, email or other electronic means, or included in your monthly billing statements as permitted by law. 4. Important Definitions The " Cash-like Transactions '' section within the Important Definitions section of your Cardmember Agreement is replaced to clarify and expand the definition as follows : TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. 5. Using Your Card The introduction to the Using Your Card section of your Cardmember Agreement is amended as follows : You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You can not use your account for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances. The " My Chase Plan '' section within the Using Your Card section of your Cardmember Agreement is updated as follows : TRANSACTION WHAT IT MEANS TO YOU OUR RESPONSIBILITY My Chase PlanSM If eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent eligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the My Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan balance in full by making regular payments each monthly billing period. For each billing period during which there is a balance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR. An eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include certain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership Fees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within the My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for My Chase Plan. Your ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management program or if your account is closed or in default. When you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may make My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason. 6. Paying Us Back The " Interest-Free Period ( also called Grace Period ) on Purchases '' section within the Paying Us Back section of your Cardmember Agreement is amended to clarify the definition as follows : IMPORTANT INFORMATION WHAT IT MEANS TO YOU OUR RESPONSIBILITY Interest-Free Period ( also called Grace Period ) on Purchases When your account is in an interest-free period, interest is not charged on new purchases. Your account is in an interest-free period when you have paid the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time. If you do not pay the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time, you will lose your interest-free period and we will charge interest on your purchases. You can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by the due date and time. After you enter an interest-free period again, interest charges on purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. Balance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your interest-free period on new purchases. When your account is in an interest-free period, we will not charge you interest on new purchases. When your account is not in an interest-free period, we will charge you interest on your purchases from the date the purchases appear on your account until your New Balance or Interest Saving Balance is paid in full. For more details about how we calculate your interest charges, see the Interest Charges section of this agreement. 7. How to Avoid ... The " How to Avoid '' section of your Cardmember Agreement is amended to include a new section for Penalty APR, as follows : " HOW TO AVOID ... '' WHAT TO DO WHAT IT MEANS Penalty APR Do Not : Fail to make a Minimum Payment by the date and time that it is due ; or Make a payment to us that is returned unpaid. We can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons. Penalty APR on New Transactions : If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate. Penalty APR on outstanding balances and new transactions : If we do not receive the Minimum Payment within 60 days of the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate. Amendment to your Cardmember Agreement : The changes described in this notice amend your Cardmember Agreement and replace the corresponding terms that currently apply. Any terms of your account not described in this notice continue to apply. ABOUT THIS MESSAGE This service message gives you updates and information about your Chase relationship. This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. Your privacy is important to us. See our online Security Center to learn how to protect your information. Chase Privacy Operations XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. 2021 JPMorgan Chase & Co . XXXX Reply Reply All Forward Why are credit card companies permitted to charge a ridiculous amount of interest and now want to charge a monthly fee. Total blackmail agree or we close your account. | ||||||
| 02/15/2019 | Yes |
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| To Consumer Financial Protection Bureau : Hi, my name is______and I am writing this as my attempt at being reimbursed for the time investment as well as mental damage that Ive suffered after receiving false information from a company I so love and admire - Chase Banking. All things considered, I didnt feel that the false information I was told by Chase was fair in my perspective, and I kindly ask you to consider what I have to say below. When I listed my bicycle on XXXX in early XX/XX/XXXX, nothing could have prepared me for the tragic series of events that would follow. I had one goal : to sell my bicycle to whoever contacted me first, and to do it in a way I personally believed to be safe, but not necessarily the best. I agreed to accept a verified check from the purchaser of my bicycle on the basis that if I verified the check first, the transaction should run smoothly. Check amount was {$1800.00}. On XX/XX/XXXX, between XXXX XXXX to XXXX XXXX, I was told by a Chase Check Verification Specialist that a check I submitted was confirmed good and available for use. This was the first day they were able to make contact with the issuing bank of the check. The Chase lady continued by congratulating me with her heightened, confident voice. As a loyal customer for over a decade, I took her word for it and proceeded to withdraw and use it, whichever way I wanted to. In this case, it was towards a {$1500.00} movers fee for a person I was trying to help so that he could buy my bicycle. I was initially skeptical about the {$1500.00} movers fee, but when a Chase specialist tells a customer that a check is good, then it becomes difficult for that person to assume otherwise. However, on the evening of the following day, I notice that my bank account had a negative balance for the amount close to the check amount. I called Chase to find out what had happened. They said they were informed from the bank issuer that the check signature was forged and has been returned. At this point Im thinking, How is that even possible? So I continue speaking with Chase representatives, trying to get to the bottom of all of this. Turns out that Chase can take back what they said about the check being verified good by a representative from the bank issuer side. Chase ( now speaking with different people, but same department ) begins making excuses as to why the funds were released, saying she released the funds as an act of good deed, or on a good note, or validated through an automated system as my account had a low balance. None of them are true. I am a XXXX year-old XXXX XXXX major, who did they think they were fooling? The funds should not have been released at all if it is considered an invalid check, period. In summary, Check refused to acknowledge that they made a mistake, and then refused to provide me with any help that required moderate or sufficient time. I recall one specialist from the Loss and Prevention team rudely stating, I can see your account is restricted oh you understand that, goodbye. *Immediately hangs up as to imply she did not want to further assist me despite only having invested one minute in this conversation* How unprofessional. I continue pestering Chase, urging them to obtain access to the voice recordings on that morning so that I can prove that I am not at fault. I provided them with the time and day to ease the process. However, they claimed they were not capable of accessing it and did not provide me with any other contacts or options to assist with this. I had been given little to no opportunity to receive the help that I needed from Chase after this incident. Because of this, I ended up devoting the next few days to try and resolve this issue through other means such as cancelling the moneygram money order, and contacting every USPS postal office/facility in person and over the phone. Since the details of those are unrelated to the report I am currently making, I will be leaving those out. From the time of this writing, my Chase account is pending suspension within 5-10 business days with a - {$1700.00} balance, and I am completely unable to access or use it in any way I strongly believe I am not the one at fault. With regards to the context, here is what I think : ( Based upon the message exchange Ive had with the other party ( buyer ), I can provide the exact message history between the purchaser and me from beginning to end ) Other Partys Claim : I am going to include the movers fee of {$1500.00}. Clear up the verified check and then let him know after it is cleared. My Intention : I am going to do everything I can to clear this check and see if it is good or bad. Since it was already the weekend, I need to wait until Monday to find out for sure. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I will include my informal, XXXX XXXX report below, it reads ( may contain grammatical errors ) : " Hi my name is ___ and I am writing this message to inform you that I am currently the victim of a scam. I received a check for the amount of {$1800.00}. My address is ____. The scam had its beginnings on XXXX where a buyer of my bicycle contacted me, providing his phone number ____, asking if I would be okay accepting a verified check. And so I agreed. Fast forward to Friday night ( XXXX ), I receive the check and try to clear it ASAP. I call Chase over the weekend and they tell me, " It is most likely a bad check, however it would need to be confirmed with the bank issuer of the check ( XXXX XXXX ) on Monday/Tuesday. '' So on Monday I call in as a last attempt to see if the check is really bad. But that was not the case. The Chase representative who supposedly specializes in check verification ( loss and prevention team ) tells me that the check is actually good and so the funds were released on Monday XXXX. XX/XX/XXXX. So I continue trying to help this guy get his {$300.00} bike by withdrawing for the amount of {$1500.00} ( which at the time I believed to be his cleared money ) from my Chase bank account. It goes through, I then exchanged it for three money orders of {$500.00}, totaling {$1500.00} at the XXXX in ____. Now the money order is in transit to the " mover. '' The purchaser said hes moving other items along with it in addition to the bike, for his wife. I then find out a day later ( tuesday, XX/XX/XXXX ) through a chase rep. that the check has a forged signature and is no longer a valid check. However, my package is arriving at the scammers destination on XXXX XXXX as I was told to send it in an express mail. ( with a delivery time of 2 days ). Money order destination is ____. My balance shown goes from $ 200ish to $ -1542 ( both figures estimated ). So at this point I am really confused. How did this happen? I call Chase again and they told me what I previously mentioned - that the check is bad! The representative begins making excuses, like how the funds were released to me on a good note or an act of good deed because my balance was low. But I recall clearly that it was verified with the bank issuer of the check and that it was good. Or at least thats what i was told by Chase. Now I am in extreme panic mode ( anxiety attack ). I called everyone I possibly could to help to no avail. My resolve process went like this : Chase > XXXX > USPS > Police. USPS has 3 offices around this area. I went to all 3 and they tried to help me intercept the package. The website says item is eligible to be intercepted, so we completed the form together at the main USPS spot that deals with this specific issue.After completing the form, we find out the package is unavailable for interruption as not sufficient information has been provided. In the end, even they were unable to help me fix this, so I was suggested to call the ____ USPS office and tell the office manually through phone to intercept the package ( return to sender ) before it arrives to scammers destination. Cancelling money order was not an option here as that process takes a very long time. I proceed to call the ____ usps office and the hold time is greater than one hour. I hang up and lose all hope. The money order will arrive to the destination by tomorrow ( XX/XX/XXXX ) on an express delivery that I paid ~ {$25.00} for on XX/XX/XXXX. No one was able to help me ( chase, usps, etc. ) retrieve this package. And that is why I am here, to file a report/complaint. As of writing this, my chase account is suspended and the usps website has failed all day to track/intercept my package. Today XX/XX/XXXX is the only day I have to resolve this but that does not look like it is going to happen. From XXXX XXXX, I've been awake every minute trying to fix this, asking whoever where ever. Chase refuses to pull up their phone voice recording that proves my innocence, claiming they are incapable of doing so. ( whats the point in recording if you cant pull it up when it matters the most? ) I had no idea that a check that is verified could be returned after the funds have been withdrawn. Chase took back on their check verification message and said the check is not a valid check, refusing to acknowledge their mistake. I will soon be charged ____ by Chase. Edit - I have tried contacting XXXX usps facility for several hours throughout the day and they never picked up. No USPS picks up their phone, they only do when you get extremely lucky, and I was praying for that lucky pickup. This was my last try to intercept the package. Nothing works, website not working, tracking ( main feature ) not working ( might be due to the rain? ) usps postal office phone calls, chase check verification procedures ( telling me wrong information and then altering what they said, pretty messed up if you ask me ). The misinformation told by chase resulted in me being scammed. USPS error msg : " we are sorry but your tracking # does not have sufficient information to intercept. please try a different tracking #. '' REMINDER : Call the two postmaster supervisor numbers at ____ USPS office until you get a hold of them. XX/XX/XXXX. _____, supervisor of XXXX wont pickup. Also XXXX USPS # AT XXXX USPS PROVIDED BY THE _______ USPS DOESNT PICK UP AS WELL ( __ ___ _ _ _ _ ) Also called ( ___ ___ _ _ _ _ ) menu > hold mail services. Automated tells me package is not yet marked out for delivery. I try to cancel but automated wont recognize the address thru voice. ____ usps opens XXXX XXXX. Its currently still ~XXXX - informed package is now at post office at ___ ___ __ > automated says scheduled to arrive ( to scammer ) within 2 days ( but best to not take my chances ) I successfully input hold mail details but on final step after entering mail hold/resume date for XX/XX/XXXX and XXXX automated says " sorry youve exceeded max number of retries '' > I call again to retry. Automated tells me there is an existing hold on the package!!! ( IMPORTANT, AND GOOD OUTCOME FOR ME ) But no confirmatiomn # was provided, so i could not ask about the status of the hold. I log into usps, i notice a hold mail conf. # XXXX on website, I enter it and the start date available is XXXX. could be too late by then, hmm? will this work? **XXXX now** Realized i used hold mail without being signed in -- - so its address-based? used the conf # that was already inserted. Still not sure where that came from. Did not want to risk canceling and resubmitting in my USPS account.I remember automated said they dont allow for a rehold for within 48 hours after canceling one. been waiting on phone for 70+ minutes general usps customer service #, still no customer rep, so i hang up. *XXXX update* the usps site says @ XXXX XXXX unable to deliver item address may be incorrect, ... .etc. '' " ALERT '' -hold mail from automated machine call possibly went thru? *XXXX-XXXX* called ____ carrier unit again ( __ _ _ _ _ _ ) they are still closed until XXXX XXXX. *update XXXX walked to usps original shipping post office @ _______. lady working there is unable to help me despite her best efforts. *XXXX called the barely opened XXXX postal office several times, no one picks up.noticed a trend that all postal offices dont pick up the incoming phone calls ) both ___ ____ supervisor carrier postmasters not picking up their phone calls either. **still on XX/XX/XXXX **XXXX-XXXX** cancelled my hold mail request after postmaster confirmed my package was scanned and is being returned to the sender ( me ). I obtained this NEAR-IMPOSSIBLE-TO-OBTAIN postmasters number through countless hours of deep searching. ____ __ _ _ is the person who gave me the number to the postmaster. Thank gosh. During this time, I've easily made over 100 phone calls, walked into a USPS store several times, contacted the Chase and USPS customer representatives way too many times. | ||||||
| 08/13/2020 | Yes |
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| JP Morgan Chase employees refused to fix or address the issues honestly and timely as the law required. so please show proof that a response in writing for the issue I sent a letter on XX/XX/XXXX, XXXX XX/XX/XXXX. Dodd Frank resolution section says if you do not respond in 30 days all interest in my property by your bank is lost for breach of rules and laws. XXXX my records show no such response by you. ) I want proof you complied with the law. ( on both dates ) you are required to give said proof by Dodd Frank and RESPA. My evidence shows proof you did not comply with any requirements of RESPA or Dodd Frank. DODD FRANK AND RESPA REFERENCES Pyramiding late fees refers to a creditor 's practice of imposing a late fee when a consumer sends a timely payment in an amount sufficient to cover the regularly scheduled payment but insufficient to cover a prior unpaid late or delinquency fee. If the creditor allocates payments first to late fees, the consumer 's payment only partially covers the currently scheduled payment, resulting in a new late fee. If the consumer continues to pay only the scheduled payment, late fees will continually be assessed ( hence, the phrase pyramiding of late fees ). Section 226.36 ( c ) ( 1 ) ( ii ) requires that if a consumer sends a timely payment sufficient to cover the currently scheduled payment, the creditor can not assess late fees. Error resolution and information requests ( 2013 RESPA Servicing Final Rule ). Servicers are required to meet certain procedural requirements for responding to written information requests or complaints of errors. The rule requires servicers to comply with the error resolution procedures for certain listed errors as well as any error relating to the servicing of a mortgage loan. Servicers may designate a specific address for borrowers to use. Servicers generally are required to acknowledge the request or notice of error within five days. Servicers also generally are required to correct the error asserted by the borrower and provide the borrower written notification of the correction, or to conduct an investigation and provide the borrower written notification that no error occurred, within 30 to 45 days. Further, within a similar amount of time, servicers generally are required to acknowledge borrower written requests for information and either provide the information or explain why the information is not available. Dispute resolution section of the Dodd Frank act ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. section 1463 ( a ) of the Dodd-Frank Act adds section 6 ( k ) ( 1 ) ( E ) to RESPA, which provides that a servicer of a federally related mortgage loan must comply with any other obligation found by the [ Bureau ], by regulation, to be appropriate to carry out the consumer protection purposes of this Act. [ 41 ] This provision provides the Bureau authority to establish prohibitions on servicers of federally related mortgage loans appropriate to carry out the consumer protection purposes of RESPA. As discussed below, in light of the systemic problems in the mortgage servicing industry discussed above, the Bureau is exercising this authority in this rule making to implement protections for borrowers with respect to mortgage servicing. 1026.13 Billing error resolution. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. If an extension of credit is incident to an electronic fund transfer, under an agreement between a consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account, the creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11 governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section. | ||||||
| 07/03/2019 | Yes |
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| On XX/XX/2019I called Chase Customer Service to make a complaint against XXXX XXXX XXXX because they was suppose to charge my account on XX/XX/XXXX for {$200.00} dollars and they charged my account on XX/XX/2019without my permission and caused my account to be in a negative {$190.00} and to order a new debit card because my wallet missing. I spoke to the CSR and she did advised me Chase can't do anything just talk to the merchant about it. I called back Chase to order a new Debit card because I forgot when I was on the first call earlier and the CSR advised they can send me another card and they can expedite it for me. The CSR advised me that I have a transaction open and do I want to file a claim I did say yes and the CSR did the claim. After I hung up I check my account it was positive again.I called the merchant and spoke to the CSR and he advised me who to speak to so I called the number and left message for Ms. XXXX and I called Chase Customer Service back on the same day XX/XX/XXXX and spoke the CSR and advised him I want to cancel the claim against XXXX XXXX XXXX the CSR advised he canceled the claim. After I hung up I check my account it was back in a negative {$190.00}. OnXX/XX/2019 my payroll check deposited in my account of {$860.00} to cover the negativity in my account for the transaction for XXXX dollars and XXXX dollars for the overdraft fee. I got a text message onXX/XX/19 from XXXX XXXX XXXX that my account was canceled. I checked my account and I saw a reversal of the {$200.00} dollars and {$34.00} dollars for the overdraft fee I assumed that it came from the merchant because true I called to canceled the claim on XX/XX/XXXX no problem. After 1 month and 6 days Chase Bank took {$200.00} dollars out of Checking Account on XX/XX/19. I called the Customer Service and spoke to the CSR and asked why did Chase take XXXX dollars from me? The CSR advised it was for the reversal for the claim against XXXX XXXX XXXX. I advised the CSR that I had canceled the claim onXX/XX/so why did Chase proceed with a claim after I told them not because the merchant and I were ok. The CSR advised me that she do see in notes that i called in on the XX/XX/XXXX to cancel the claim. I asked for a Supervisor. Ms. XXXX the Supervisor took the call and she also advised that she see in notes that I canceled the claim onXX/XX/19 and she don't know why the back office didnt see the notes and Chase should've reversed the XXXX dollars and the XXXX dollars in my account. I asked Ms. XXXX when are they going to put the XXXX dollars back in my account. Ms. XXXX advised that they not going to give the XXXX dollars back. I advised it's not my fault that the back office didnt pay attention to what they were doing .Ms. XXXX apologized for the inconvenience and advised because I used the money and other transactions came in. I advised Ms. XXXX that I assumed it was the merchant who put the money back in my account true because they sent me a text to advised my account was canceled I never taught about Chase because true I canceled the claim onXX/XX/19. Ms. XXXX agreed that she can see how confusing this is. Ms. XXXX kept going through the notes and kept saying that Chase wasn't suppose to put the money in my account and wasn't suppose to pursue a claim after I canceled the claim onXX/XX/19 and she was looking at how the CSR put the notes in because it's a way they suppose to put the notes in. Ms. XXXX advised that yes the CSR put the notes in that the Customer call to decline the claim. I advised Ms. XXXX that this situation buts me in a big problem with my car payment which is coming through tomorrow XX/XX/19and I have to put the balance in and now I'm short {$200.00} dollars because Chase took {$200.00} dollars from me for a reversal of a claim that they was not suppose to do because I canceled onXX/XX/19. I asked Ms. XXXX when Chase reversed the money back in my account where is the XXXX dollars from the merchant? Ms. XXXX asked if the merchant gone return your XXXX dollars I advised her I only got a text that my account was canceled and that's why I assumed it was the merchant who put the money back in my account. Ms. XXXX advised that she will put everything in notes and advised me to get in contact with the merchant. I asked Ms. XXXX again about the XXXX dollars because I dont have XXXX dollars to cover my car payment I dont get paid til Wednesday and now I'm get hit with an overdraft fee because of Chase doing something that they was not suppose to do. Ms. XXXX advised to go ahead and put the balance of my car payment money and once the payment deposit in my account and yes the overdraft fee of XXXX dollars will apply just call us and I will put in notes and we will refund back the XXXX dollars. I asked again about the XXXX dollars Ms. XXXX advised again they not giving me back the XXXX dollars because its Chase money and they gave it back to me. Ms. XXXX advised me again to get in contact with the merchant to get my XXXX dollars and if they say they don't have it or they not giving it back call us and they will go after them. I called the merchant and spoke to Ms. XXXX who advised me that she do apologize for the inconvenience of the payment process. Ms. XXXX advised that it's the system that process the payments sometimes it go two before and two days after. I advised Ms. XXXX of the text that I got from them that my account is cancelled. Ms. XXXX advised that I got that text in error because my account is still open but my account is showing for the XX/XX/XXXX payment that the funds was reversed and they dont have the XXXX dollars. Ms. XXXX explained to me what Chase is doing with the claim they will reverse the money back in your account and they will do an investigation talk with the merchant and in your case it was a transaction between us now Chase will hold the XXXX dollars for like 180 days or 3 months and then release the money back to the merchant. I called Chase Customer Service later that day XX/XX/XXXX asked to spoke to a Supervisor. The Supervisor lady ( don't remember her name ) I explained everything to her and she told me to hold and she transferred the call to a different department because I did advised her that I will get a Lawyer because this is not fair to me. Supervisor XXXX XXXX on the line I explained everything to him XXXX advised me that I did not cancel the claim because there are no notes on me canceling a claim on XX/XX/XXXX just notes that I opened the claim. I advised XXXX that is not true because I spoke to Supervisor Ms. XXXX and she even advised me that Chase was never supposed to pursue a claim or reverse money back in my account after I canceled the claim onXX/XX/19. XXXX decided to advised me about what he would have did and done and its my fault and Chase is not giving me back my XXXX dollars in a aggregate attitude. I advised XXXX that is irritating me with the foolishness he is telling me. I asked for his Supervisor he never put his boss on the line he just kept saying he is the Supervisor. I advised him that you are just a Customer Service Supervisor reading a call script. XXXX said I'm not reading a call script so I did repeat what he said and he advised I'm mocking him and disrespecting him I advised XXXX you first disrespected me by calling me a liar that I never called in to cancel the claim onXX/XX/19and your aggregate attitude about what you would have done and did and its my fault and you nothing giving me my XXXX dollars back. I advised XXXX this is why I'm speaking to you like this because you have no matters you dont know nothing about me and what I do you just know of me because of this conversation. I advised him that this call is being recorded. XXXX advised that if I dont stop recording he will not speak to me I was still talking and XXXX advised again of the recording I advised XXXX that I dont have the recorder on XXXX put me on hold and then a voice recorder came on advising that Chase Customer Service Representatives treat their customers with respect and basically the recorder was advising that I was being disrespectful and they wont be taking no calls from me and if I have a issues I will have to send an email. I sat in my car and cried and said LORD all this I'm going through because Chase pursued a claim that I canceled 1 month and 6 days ago why me LORD. On XX/XX/2019 I went into the Chase Branch on XXXX XXXX XXXX XXXX XXXX XXXX Fla. XXXX and I spoke to Officer XXXX. I explained everything to her and XXXX advised oh they not gon na give you that XXXX dollars back. I asked why because when I spoke to Ms. XXXX yesterday morningXX/XX/19 she advised me that Chase wasn't suppose to pursue a claim or reverse money back in my account after I canceled the claim on XX/XX/19. XXXX was trying to get me to understand the reversal that Chase gave and they spoke to the merchant and the transaction was between you and them. I explained to XXXX yes the merchant is going to tell them that and that's why I canceled the claim on the same day I opened it onXX/XX/19. XXXX advised I opened the claim first and even though I call back in on the same day to cancel the claim was already in process and just because i called back the same day to canceled the claim is doesn't matter it's my fault for cancelling the claim. I advised XXXX that when I first open the claim my account was back in the positive and when I called back the same day to cancel and when I hung up my account was back in negative again so I knew my paycheck was gon na deposit the next day XX/XX/XXXX. XXXX was being very aggressive with me that I was wrong and she is not giving me the XXXX dollars back and if I saw my payroll check deposited in my account and saw extra money I should have said something. I advised XXXX why would I have to call Chase when I know for a fact that I canceled the claim on XX/XX/19and the young man told me that he canceled the claim and my account went back into a negative and I got the text message from the merchant that my account is canceled. XXXX still insisted on advising me that they are not giving me back my XXXX dollars. I advised XXXX that Ms. XXXX advised me that Chase wasn't suppose to pursue a claim or reverse money back in my account. XXXX advised me to go back to Ms. XXXX and let her doing something. I advised XXXX that Ms. XXXX advised me to talk to the merchant about getting my money back. I advised XXXX that I spoke to Ms. XXXX yesterdayXX/XX/19 and Ms. XXXX advised me that they don't have the XXXX dollars because my account shows that the funds was reversed then XXXX got on the phone with Claims department and she advised me that they are not taking the XXXX dollars overdraft fee back the merchant will get the money soon because Chase has a hold on the money but they are not giving you the XXXX dollars back the CSR who advised me that he canceled the claim did not file it correctly and now they are just getting the cancellation. I advised XXXX that's not my problem because the CSR didn't put the notes in promptly. Why do I have to pay for his mistakes when I did what I was suppose to do. I advised XXXX now my car payment came through my account and I'm short the XXXX dollars that Chase took from me because my money was in my account XXXX dollars and all I need to do was put the balance of the money in which I did on yesterdayXX/XX/19and I had to borrow XXXX dollars just so I dont get a overdraft fee this is not fair to me because of the CSR mistakes not mines. XXXX kept going back to the reversal and I explained Chase was not suppose to pursue a claim or reverse money back in my account after I canceled the claim. XXXX advised if Chase didnt give the reversal my account would have still be negative with an overdraft fee I said I know that and my payroll check deposited in my account the next dayXX/XX/ and it would have covered the XXXX dollars now what? XXXX still advising Chase reversed the money back in my account. I asked XXXX why would Chase do that when they want suppose to XXXX advised she doesn't know. Nobody who I spoke to at Chase can't give me a justification on way i have to paid for the CSR mistakes for not putting the notes in properly why I was treated like im XXXX with lack of knowledge and when my money was in my account and I had to borrow XXXX dollars just so I dont get an overdraft? I have attached the conversation between me and Ms. XXXX the Supervisor on XX/XX/XXXX and a copy of the text from the merchant onXX/XX/19. Thank you | ||||||
| 12/16/2021 | Yes |
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| To Whom This May Concern, I am writing this complaint with regard to a host of fraud, identity theft personally experienced by me with all of my JP Morgan Chase Bank Accounts ( Savings/Checking both personal and business ). I have banked with Chase for over 20 years. My Branch is located at XXXX XXXX XXXX XXXX in XXXX, NY XXXX. This complaint is regarding an outstanding issue remaining with my Chase XXXX Card Account XXXX as well as with XXXX XXXX and XXXX who have both reported to the credit bureaus my payment delinquencies resulting from this identity theft and fraud on all my Chase Accounts transpired XX/XX/XXXX Police Report # XXXX XXXX Precinct # XXXX XXXX, NY. My payment delinquencies contain two very important issues, the first is that I had no idea that Chase had reversed payments made prior to my identity theft on XX/XX/XXXX and secondly, I had been in contact with all my creditors every two weeks to explain my identity theft and inability to pay my debts temporarily since I had no access to any monies. ALL THE TRUTH. This continued until XX/XX/XXXX when I received a lump check from Chase for all the accounts that had been frauded and stolen without any explanation as to how the sum was calculated. This complaint is not directed to my branch but rather to JP Morgan Chases response to a horrible situation all having everything to do with the security of JP Morgan Chase as a banking institution. JP Morgan Chases response to this Identity Theft/Fraud was so unsatisfactory and without any consequence while this incident almost ruined my personal credit that is undeserved. Chase took their time, referred me to their executive team, had me call 127 times without one return call ( see attached for compliant numbers given and telephone numbers called ). As a consumer I was left with no financial resources for almost 4 months. Due to this one incident of identity theft and fraud, I have now suffered a reduction of over 150 points on my credit score and a relentless amount of letters and phone calls to advocate on my behalf, all left without any attention as if I personally am not important enough to matter and a too Bad attitude by all three credit bureaus, XXXX ( for my XXXX XXXX XXXX ) and XXXX XXXX all institutions were given all the facts and I remain punished for a situation that had nothing to do with me. CHASES unsatisfactory security caused this incident not me PERSONALLY. If it were not for the excellent work and efforts of one of the branch employees, XXXX, I would have not been able to resolve any of this. I remain in adversity over one remaining XXXX XXXX XXXX with Chase that after one year, the account closed and Chase returned all my monies I had been paying to avoid additional credit score injury this was finally resolved in XXXX. On XX/XX/XXXX, I received the same XXXX Statement with billed charges all over again that I had been disputing for 11 months AGAIN. These charges I have never seen before- Attached. These charges total {$1300.00} all of which are not mine. This credit card was cut up XX/XX/XXXX when all my other debit cards and XXXX XXXX were closed as a result of Identity Theft and Fraud XX/XX/XXXX. This XXXX account is the only remaining problem. Resolve this incident has taken me almost a full year and I find I am still arguing to dispute with Chase items that are not mine. The XXXX Statement attached outlines charges that are at XXXX ( I have never in the history of having this XXXX XXXX ever shopped at XXXX and there has never been a charge from XXXX on this account or any of my Chase Debit cards ), all the other charges XXXX and XXXX XXXX are not my charges either. This Credit Card was not ever used by me since before XX/XX/XXXX. For 12 months I have not received a statement with any charges on it, only a balance without ever having success in resolving or knowing what it was I owed on this account. I have called the XXXX Customer Service, Fraud team, Dispute team from XXXX until today over 28 times, never being able to find out what charges I was billed for and never receiving any resolution, but I continued to pay monthly and went to my branch in XX/XX/XXXX for help. XXXX at the branch advocated for me, resolved the account and Chase refunded me electronically in XX/XX/XXXX over {$690.00} dollars. In XXXX the entire mess started over again and XXXX was told there was nothing she could do. Fortunately XXXX was able to figure out who to escalate this again and here I am again. Here was the entire scenario of Identity Theft and Fraud I endured as follows : On XX/XX/XXXX sometime early in the morning all 6 of my bank accounts were hacked from my Bank at JP Morgan Chase. All of my checking and savings including my direct deposited pay check from XX/XX/XXXX were transferred to some account I was never appraised of. From XX/XX/XXXX through the end of XX/XX/XXXX I had no money for gas, food or any of my bills. Chase opened new accounts with temporary credits in XXXX ( around XX/XX/XXXX ) only to close them without notifying me at all on XX/XX/XXXX with no reason for closing my accounts and again I was not able to pay bills or have any money until I received a check for all my bank accounts on XX/XX/XXXX. The Check was a lump sum with absolutely no detail as to where the amount came from. I was never able to check to see what was stolen from all my accounts was reimbursed to me. The reason I was not able to confirm anything is that I had no online access to any of my accounts. I was also unaware that the payments I made automatically to my creditors from my checking accounts had been reversed. On the morning of XX/XX/XXXX I went to the branch worked with Assistant Manager XXXX who showed me on the bank screen that my bills had been paid and taken out of my accounts on XX/XX/XXXX before the fraud/identity theft took place on the morning of XX/XX/XXXX. The payment to XXXX XXXX was posted as paid as well as to XXXX ( for my XXXX XXXX Charge Account ). I had returned to the branch on XXXX, XXXX, XXXX and XXXX to make sure again these automatic bills had in fact been paid, I was assured again by XXXX at the branch they were. Months later ( in XX/XX/XXXX when I received my funds from Chase in a check and I was able to open a new bank account with XXXX XXXX and at that time I was able to finally correct all my credit accounts and bills I had owed to be correct ). As a direct result of this incident my credit score decreased XXXX points and continues to decrease due to this Fraud and Identity Theft incident that was of no fault of my own. The branch issued several escalations on my behalf, I was told by the branch to escalate this to the JP Morgan Chase Escalation team. The Branch Staff is truly at a loss to assist as they called many many numbers for help and transfer and never are able to get the help they need to. Executive Office of Chase was recommended by my branch to escalate this for me XXXX XXXX XXXX, Claims was originally called XX/XX/XXXX from the branch XXXX, I set up the claim XX/XX/XXXX was assigned XXXX who never returned my twice sometime three times a day calls to that number and I would get the receptionist XXXX on the phone who was also nice enough to help, but I was never contacted or spoken to at any time from XXXX through XX/XX/XXXX. XXXX had explained from the Executive Office that someone will call me back. After calling into the first week of XX/XX/XXXX I spoke to a XXXX XXXX Fax phone XXXX XXXX who told me to fax in this situation in writing which I did that day Referring to Case XXXX. I followed up at that same number every day through XX/XX/XXXX no return call, no written acknowledgment in the mail and during this entire period of time, no access by phone to discuss my accounts and no online access to anything along with no statements received by me in the mail from XX/XX/XXXX for any of bank accounts or charge cards, only XXXX statements with totals starting in XX/XX/XXXX without an explanation as to what the charges of the total were for and I was no allowed to find out what the total referred to by phone either. I returned to the branch who explained then that I was to reach out to call another number XXXX Option # XXXX to my case manager on the executive team XXXX, I called XX/XX/XXXX at XXXX, XX/XX/XXXX held for 2 hours without anyone getting on the phone and XX/XX/XXXX holding XXXX mins at XXXX when I as finally about to reach a Supervisor XXXX who assured me I would be contacted and my monies resolved and returned to me sometime by the next week. Again disappointed and it never happened. I am at a loss for how to resolve this, but this is not my charges and it is no right that JP Morgan Chase is getting away with this and continuing to cause so much heartache to me personally and my family. My branch told me they escalated this and I had received a call about the XXXX rebilled account I wrote out all the details as requested and Faxed it to my representative Wednesday XX/XX/XXXX because I was told I could only fax no mailing and the group that was now handling this can not be emailed. I am now calling to pay the monthly minimum which I was told last night is now {$90.00}. I paid spoke to XXXX XXXX at XXXX XXXX as no one at the branch or the escalation team were able to tell me how to pay and if I needed to pay so I called was not able to get any information only pay and miss XXXX you are responsible for all these charges I dont know what to tell you but XXXX said dcall XXXX tomorrow, I did they were not able to speak to me, help in any way and did not have access to this account to dispute or note anything. I called my branch, XXXX, did not have the person, phone number or fax number for the escalation team she was able to reach out for on my behalf prior to XX/XX/XXXX and therefore I am again starting over like it is XX/XX/XXXX AGAIN. I need to resolve this, I also would like to make the Attorney General Aware that there is no report of any chase financial history for me on my XXXX, XXXX or XXXX Account when I had these accounts for 20 years no it is all erased, why is that allowed? I had a XXXX Chase Card I paid for years never late as well as this Chase XXXX XXXX Card and all of their history and the accounts themselves completely removed from all my credit reports this month. XXXX XXXX Account XXXX reports that my payment was late, I wrote all of this to XXXX XXXX without any result other than they have to report delinquencies. It was not delinquent, it was paid then rescinded by Chase and I had no idea. Chase never notified me, on the phone they were not able to discuss my account and XXXX XXXX did not notify me either so I had no idea this even happened and XXXX XXXX is relentless explaining they do not care. Also should be illegal to do that without considering the fraud and identity left and the reversal I was n ever notified by my bank even happened. Same situation with XXXX for my XXXX XXXX card, I called them every two weeks to update and was soon as I had funds finally returned in XXXX from Chase I paid them in full, they were written to all outlined and they did not care either. Seems highly unfair and unjust to have a consumer who was criminally taken advantage of be punished for a situation that was not in that individuals control and further disgusting that the credit bureaus work this way as well as XXXX XXXX, JPMorgan Chase and XXXX. Once I am finished with XXXX XXXX I will never use them again for any reason and same with XXXX. Kindly provide any assistance possible. I have truly had it with this and it is so unfair I remain in this tenuous position because these banking institutions could care less. I might add this all happened during a pandemic when it is the time to help consumers not beat them up. It is just gross. I want this XXXX Account expunged finally and never want to see it again, I would like XXXX XXXX to correct their comments that are based on Fraud and Identity theft as well as XXXX I would like them to do the same thing so that my credit is restored. Crime is not something I should be punished for or have to fight for a year like this with all these awful institutions that dont care about their consumes. Warmest Regards, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX account under XXXX for XXXX XXXX Account ( Have had account 26 years never late ) Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX | ||||||
| 04/09/2018 | Yes |
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| Hello my Name is XXXX XXXX I am the widow of XXXX XXXX XXXX Whom Passed away suddenly onXX/XX/XXXXat the age of XXXX years old, we had no will nor was my name on the mortgage or deed for the reason being I was fighting for a workman '' s compensation settlement and when I got that My husband and I were going to buy another property in my name as an income and rent it out. Unfortunately my husband passed away before I got a settlement. When I called Chase to tell them my Husband passed away I asked them what I needed to do all they said was send a death certificate, I told them my name wasn't on the loan or the deed is there anything else I needed to do? They said NO just send a death certificate. Which I did right away. I borrowed money from my Mom at that time to pay mortgage ( My Mom is now deceased as of XX/XX/XXXX ) and called my compensation Lawyer and told him my husband passed and I need to take whatever they would offer me so I can keep a roof over my head. So in XX/XX/XXXX I got a settlement nothing of which I would of gotten if I kept on fighting due to my injuries I obtained at my job at a XXXX XXXX.So I continued to pay mortgage, I payed off a trustee payment early that my husband had because he filed bankruptcy due to falling behind on mortgage due his lack of XXXX work in the winters here in the XXXX.He work all year round when we lived in XXXX XXXX XXXX. We didn't know of lack of winter work in XXXX or we would of put money aside for the winter months. Well in XX/XX/XXXX my deceased husband received letter from mortgage company saying the mortgage was being raised almost {$200.00} which exceeded my income. So I called mortgage company to ask for help. They told me they couldn't talk to me because my name was not on the loan! I had been paying mortgage with check in my name solely for years and they wouldn't talk to me. I made a partial payment they sent it back. full payment only they said.So I kept on calling and asking for supervisors and finally got one that spoke to me to tell me what I needed to do.Which is what they should of told me back in XX/XX/XXXXwhen I called to tell them my husband passed away. On XX/XX/XXXXmy husband received this letter in the mail which upset me greatly, not to mention all the phone calls three to four times a day asking to speak to him because now I was behind on the mortgage.This letter which I will attach to this complaint thanked my husband for his inquiry about authorization to discuss mortgage loan with another party. they stated in letter they updated there records showing my husband authorized Me ( XXXX XXXX ) to discuss his account. REALLY So I called them and asked them for a copy of that letter they claim he wrote. I never got one of course because a deceased person can't write a letter after being deceased for 2 years and 11 months & if he did I sure would love to have seen it. So I went through the process to get a pro bono attorney since my income was so low from my SSI from my XXXX. I opened an estate in my husbands name and got what I was told is called a short certificate which gives me the right to sign documents pertaining to the home I still live in and gives the mortgage company the right to speak to me, I could sell home which I did try to do for three years the market being so bad I had no luck with that.I have applied for I can't tell you how many Loan Modifications I went to court every two to three months for a year fighting to get a modification.The lawyer representing the chase bank, kept telling the judge/ facilitator ( not sure if he was an actual judge ) Her Meaning me XXXX XXXX situation was different than most and they didn't know what to do with me? That's what he said in the court room each and every time we went. Finally the Judge/Facilitator said he wanted someone at the next hearing there from the bank. So yes the flew someone in and that lady said my income was too low to fit the guidelines so it made no sense to send her application to the underwriter. So that was the end of the court dates The judge/Facilitator looked me in the eye and said if I get paper from Social Security with my raised income prior to sheriff sale date I should immediately refile for a modification, In XX/XX/XXXXI received a letter of my income raise because I am XXXX I am eligible to collect on my deceased husbands Social Security which almost doubled my income so I quickly applied because Sheriff Sale was set for the end of XXXX. The sheriff sale was stopped, but since then I keep filing for modifications I give them EVERY Document they ask for and now all they keep saying is they want me to put my name on the deed first. I was told by lawyer the federal government does not require my name to be on the deed in order to be approved for a modification. So why is it they want my name on deed? Now I went to see my lawyer onXX/XX/XXXX at XXXX XXXX he told me I was approved for a modification but before they will give my lawyer or me the specifications of the modification I have to put my name on the deed.He has nothing in writing that I was approved nor do I, He received a phone call from XXXX XXXX at chase telling my lawyer I was approved and I need my name on deed before They will give us any specifications or move forward?? REALLY So I tried calling this XXXX XXXX 4 Times at XXXX XXXX XXXX XXXX well I never got this person not once the people I spoke to at chase now tell me they can't speak to me because I have an attorney. REALLY? I have had this pro bono attorney for years and they spoke to me before. My Lawyer told me to call them to see if I can get any answers my lawyer also told me to ask them if I put the property in my name and then I don't agree with whatever there modification specifications are, will the mortgage company accept a deed in lieu of foreclosure? Well mortgage company wouldn't speak to me, so I wrote a letter to the Mortgage company Attorneys sent it return receipt requested which I should of gotten a signature, so I would know who signed for it, all I got was a stamp with firms name on it and a date they received it.Which wasXX/XX/XXXX I or my Attorney hasn't heard anything from them I will attach the letter I wrote and the return receipt so you can see. I have been fighting tooth & nail to keep this house even in court once I was so sick and so upset I told the mortgage Attorney just give me back the money I paid into the home since my husbands passing minus the homeowners insurance and taxes and I will give them the keys to the house. His response was they can't do that, What I have learned in these many years of fighting to keep my husbands dream home alive is the mortgage company can do whatever they XXXX well feel like it and no one can stop them. I recently heard from my cousin her sister use to work for chase in there modification department she told me to file a complaint she said it can't hurt. I have developed may medical issues due to the stress over this house and all the stuff the mortgage company has put me through, you know I have sent them over 11 death certificates because when I would call they couldn't find it in there system, REALLY Where did they put them all?? Maybe it is with the letter my deceased husband didn't write them in XX/XX/XXXX that they claim he did.So Now I am stuck. Sheriff sale is coming upon and if I don't put my name I the deed I won't get a modification and if I do put my name on the deed if I turn down modification then the foreclosure will go on my credit report and I will NEVER be able to buy a home or even rent an apartment because they check credit reports now even for apartments, the mortgage company has XXXX me so badly!! I will not let them XXXX me with this, if the federal law states my name doesn't have to be on the deed then why can't they tell me the specifications of the supposed modification they say I am approved for. What is the big secret?? They now claim my deceased husbands owes them {$160000.00} plus on this home we owed {$81000.00} when this started in XX/XX/XXXX My husband purchased home for {$100000.00} that was including the closing costs he didn't have to put any money down when he purchased home. Now, If they told me what I needed to do back in XX/XX/XXXX when he passed away I would not be sitting here writing you or anyone. There lack of doing there jobs correctly has cost me XXXX XXXX XXXX XXXX XXXX issues all from stress that I shouldn't even be going through. I have heard so many times they don't care where mortgage payment comes from they told me my neighbor can pay for all they care, I was told that. Okay but that law should be changed because is that why they didn't tell me what I needed to do when my husband first passed? They wanted to see how much money they can get from me first? When I got an attorney he told me technically I should of not paid anything on the home because technically I don't own it. I live in Pa which is the commonwealth state which I thought if the spouse passes away everything would go to the wife. Anyway I feel a great Injustice has been done to me! If I was told the right thing from the beginning none of this would of happened or be happening to me now, so I wasted all my compensation money on paying for a house I am told isn't mine I did A lot of fixing to the house through the years bathroom all redone, replaced gutters had to cut down trees driveway stones, etc. Now I don't have that money to use as a down payment on another home that '' s smaller. I know none of this is your problem either but my cousins sister use to work for Chase in there modification department and she told me to file a complaint. I want to know what the modification specifications are. This house is not worth {$160000.00} plus I owed XXXX on it when this issue began. The interest on the loan my husband took out is 7.75 % I was told by a woman that was helping me for a while from XXXX XXXX XXXX that the mortgage company can change the interest rate and give me the home for the value it is worth. anyway There is so much they have said and done to me in the many years of fighting to keep this home which I consider mine since I have lived here with my husband for 7.5 years and then I have continued to live here since his passing the home was purchased inXX/XX/XXXXso I have lived here for 17 years The homeowners insurance policy has been in my name only since my husband passed away they told me it had to go in my name because I couldn't carry homeowner 's in a deceased persons name, so if my name is on homeowners policy that the mortgage company still pays on, I renewed policy on XX/XX/XXXXand the mortgage company paid it. The homeowners and taxes was Incorporated with the mortgage at the time my husband purchased home. They still pay both. So If they are paying a homeowners policy that's in my name only how can they say this house isn't mine? How can they not tell me what the approval of modification is?? How do I even know that a real approval exists? I have no proof and my lawyer just got a verbal approval from XXXX XXXX @ Chase. Maybe this is just a lie so the house will go to sheriff sale and they win and I am homeless with my two dogs and a renter. I even rented out a room to raise my income to help my chances for an approval. can you help me in any way??? I am really at my wits end here I feel I am fighting a losing battle.So many houses around me the people just up and left their homes before they were even given a notice They had family 's they were working so before that foreclosure would go on there credit report they up and moved someplace else and left their homes there are 5 homes on my side street I know they did that, they have all been sheriff sale and Repurchased and people are living in them now. Here I sit still fighting for mine!! I guess because I have no family to help they are all deceased My XXXX Dad passed in XX/XX/XXXXmy XXXX Mom passed inXX/XX/XXXX, my husband is passed and his mother has passed.So I am doing everything everyone asks me to do, fill out this form send in this paper over and over again and I am getting no where they has to be something wrong with this process I swear there has to be. People I tell this too can't believe the bank can do this to me and put me through all of this.Is there anyway you can help me?? I would Greatly Appreciate anything you can do!! Sincerely, XXXX XXXX | ||||||
| 10/12/2023 | Yes |
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| I received a letter that tour my credit score apart! Per the law! I can not be denied credit at no time. My credit score was XXXX, before Chase and now it's at a XXXX. And they gave me bogus reasons why I was denied credit. ACCORDING TO THE LAW ... CHASE BANK ISN'T ABOVE THE LAW ... also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open-ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application. Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Furthermore, pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant XXXX XXXX XXXX XXXX and Duties of Banks and XXXX XXXX have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. United States of America! I have attached links to congressional law for reference. https : XXXX 15 USC 1602 hXXXX XXXX XXXX 15 USC 1637 XXXX XXXX XXXX15 USC 1640 XXXX XXXX XXXX 15 USC 1681XXXX XXXX XXXX XXXX 15 USC 1691e XXXX XXXX XXXX 12 USC 1431 The Consumer Financial Protection Bureau has issued regulations under ECOA XXXX These regulations, known as Regulation B, provide the substantive and procedural framework for fair lending. the Department 's authority to prosecute matters extends only to those instances of a pattern or practice of discrimination on a prohibited basis, individuals who believe that they are the victims of unfair discrimination in a credit transaction should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate for purposes of compliance with ECOA are as follows : Consumer Financial Protection Bureau [ CFPB ] : Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates. Also shares enforcement authority with the Federal Trade Commission over mortgage brokers, mortgage originators, mortgage servicers, lenders offering private educational loans, and payday lenders regardless of size. Comptroller of Currency [ OCC ] : National banks, Federal savings associations and Federal branches/agencies of foreign banks with total assets of under {$10.00} XXXX ( the words " National '' or " Federal '' or the initials " N.A. '' or " F.S.B. '' appear in or after the bank 's name ). Federal Reserve Board [ FRB ] : Financial institutions with total assets of under {$10.00} XXXX that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks. Federal Deposit Insurance Corporation [ FDIC ] : State chartered banks with total assets of under {$10.00} XXXX that are not members of the Federal Reserve System. National Credit Union Association [ NCUA ] : Federal credit unions ( the words " Federal credit union '' appear in the institution 's name ) . Federal Trade Commission [ FTC ] : Retailers , finance companies, creditors that are not exclusively assigned to another agency. 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. So now my social will be used in trading ... Now my credit report is being hit and have taken a drop due to FRAUD, WIRE FRAUD. So therefore my RIGHTS WERE REVOKED DUE TO FRAUD. 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. { ACCOUNT NAME AND NUMBER } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 15 U.S.Code 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined under the Truth in Lending Act, this transaction must be excluded from your consumer report. All of these laws by the United States of America, government was broken. FDCPA TITLE 15 1692 ( a ) - Consumer has a right to privacy 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) 1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. 1692d ( 1 ) - Threats of violations, or criminal means to harm the reputation or property of any person. 1692e ( 1 ) Any use of any false, deceptive or misleading representation, or means in connection with the connection with the collection of any debt. 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. 1692e ( 3 ) - You can not be a debt collector and an attorney at the same time. 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 1692k ( a ) ( 1 ) - Allows for any action of damage. FCRA 15 U.S.Code 1681 ( a ) ( 4 ) - Consumers right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer 1681a ( f ) - Consumer reporting agencies - Examples are XXXX, XXXX, XXXX. However there are over 300+ agencies who collect, house , and sell your information. Any person who produces a consumer report would be a CRA. https : //files.consumerfinance.gov/f/docum ents/cfpb_consumer-reporting-companieslist.pdf AFFIDAVIT Notice, it is a fact, affiant is aware { COMPANY NAME } is a consumer reporting agency pursuant to 15 U.S.Code 1681a ( f ) due to their business practices of collecting monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 15 U.S.Code 1681a ( f ) 15 USC 1681a ( f ) 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. { ACCOUNT NAME AND NUMBER } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 15 U.S.Code 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined under the Truth in Lending Act, this transaction must be excluded from your consumer report. 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.3 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries 1681b ( e ) ( 6 ) - All CRAs must work together and be joined. 1681e ( b ) - must maintain maximum possible accuracy. 1681i ( 6 ) ( A ) 1681i ( 6 ) ( A ) - failed demand to comply or failure to comply 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00} 1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate. TILA 15 U.S.Code 1640 ( a ) 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is 2000 dollars. If there is no security interest its XXXX per violation or higher depending on a pattern of failures aka R.I.C.O. charges. 15 USC 1635 ( b ) - Right to rescission with the right to keep the property, return of any money involved in the transaction ECOA ( Equal Opportunity Credit Act ) 15 U.S. Code 1691 1691 ( a ) ( 3 ) - it is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ) GLBA Gramm-Leach-Bliley Act 15 U.S. Code 6801 ( a ) - privacy of nonpublic personal information. 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6801 ( b ) ( 3 ) - protect against authorized access or use. 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) - The right to opt out, the right to have the information clearly and conspicuously disclosed and consumers directing that information not to be disclosed and explanation to how to opt out of reporting. 15 U.S. Code 1 - Restriction of trade of U.S. goods. This denial is a restraint of trade in commerce with violating anti-trust laws under 15 U.S.Code 1. This violation can result in a XXXX to the employee to denied trade within the U.S. or XXXX for the organization. 15 U.S.Code 77q - securities fraud 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations. 18 U.S. Code 3571 - Sentence of ( Cost of each ) fine 18 U.S. Code 1001 - Falsified documents 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Color of law, deprivation of rights. 18 U.S. Code 894 - Collection of extension of credit by extortionate means 18 U.S. Code 1028 - Fraudulent use of identification documents 18 U.S. Code 1028A - Aggravated identity theft 18 U.S. Code Chapter 96 - Racketeering 18 U.S. Code 894 - Harming reputation of consumer by extortionate means 18 U.S. Code 891 - ( definitions ) extortionate means 18 U.S. Code 657 - Remittance enforcement 18 U.S. Code 876 - Mailing threatening communications 18 U.S. Code 1341 - Fraud and swindle someone with a false loan 18 U.S. Code 1342 - Fictitious Name of Address 18 U.S. Code 1343 - Wire Fraud 18 U.S. Code 1344 - Bank Fraud 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. OPEN END CREDIT 16 CFR 433.3 ( b ) ( 2 ) - Open end credit arising from a consumer credit transaction. Pursuant to 12 CFR 1002.2 ( a ), Account means " open end credit. '' Your account number is the reference or instrument associated with that open end credit. AFFIDAVIT Notice, it is a fact, affiant is aware and has proof in EXHBIT ( -- ) of my consumer credit contract in accordance with 16 C.F.R. 433.1 ( i ) which is any instrument which shows evidence of indebtedness which is again shown in EXHIBIT ( -- ) from a finance sale or purchase money loan, or cash advance which the affiant has reason to believe and do so believes the financial institution received from the U.S. Treasury, its successors or assigns, because the term open end credit refers to an account which consumer credit was extended. Pursuant to 12 C.F.R. 1002.2 ( a ), Account is open end credit and my account number which is my social security number is evidence of this fact. So now my social security number is being floated around in the trading world! I don't understand, why the FTC, Banking Commission and the Attorney General doesn't know about these fraudulent practices- performed on consumers. It's a disgrace. | ||||||
| 07/20/2021 | Yes |
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| Chase Sold My Consumer Report Information and account to a third party debt collector without my consent. Chase has reported derogatory marks, such as " late payments which caused a charge off, that linger on my consumer report without consent. Congress does not define late payments. Chase has failed to provide me with validity on the alleged debt with the document showing the original creditors signature Chase Has used deceitful and misleading tactics, such as a positive number in billing charges, when this should reflect negative figure. Chase has done willful fraud with my open ended consumer plan by stating their corporation is the original creditor and collecting on an unvalidated debt. Below is a list of federal code violations 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692h. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Facts of the Matter : 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Definitions 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. | ||||||
| 08/12/2022 | Yes |
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Web | Servicemember |
| This complaint for the Chase Bank on XXXX XXXX XXXX, XXXX, CA, XXXX as well as their telephone customer service department. On XX/XX/XXXX, I deposited a check for {$2500.00} issued from the State of California and they held my funds with no access for over a business week with no inclination of releasing it, even upon request. I had been desperately waiting on these funds as our bills were overdue and were struggling with finances while my wife is undergoing XXXX treatment. Instead of cashing it immediately and then depositing it by going inside I deposited it via the Chase Mobile app. I deposited the check on a Monday and expected it to clear in 2-3 days max and that theyd release a portion of it ( at least 25 % ) immediately. The check was from the State of California, so it should have cleared instantly because I am an XXXX XXXX XXXX XXXX and get paid by them regularly. Instead, they ended up holding the entirety of the funds for over seven days which caused me to go overdraft and miss a few bill deadlines which negatively affects my credit. On Saturday ( XX/XX/XXXX ), I attempted to call their customer service after work but did not reach them as service hours had ended. I called on the next day, Sunday ( XX/XX/XXXX ), and was transferred to a department that attempted to release the funds by verifying the check. After almost an hour with the 2nd CS rep where they researched my account, I was informed they were not able to do so because they could not verify the check with the state. They had no explanation why it had taken so long for them to determine what they already knew ; the State offices were closed on Sunday. I assume they were looking at other factors that have nothing to do with the authenticity of the check to determine whether they were willing to give me my funds. Regardless, they were not able to do so and refused to authorize an emergency release of any funds despite my having been a customer in good standing for over 3+ years with no issues. I asked why the funds were not immediately available right away, or even after a whole work week with no answer and a generic apology for my inconvenience. I then pointed out that in prior situations where this had happened with them, when I had regularly more funds, there were no issues. I also asked if the funds would have been immediately available if I had cashed it and the CS rep informed me that yes, they would have been. I stressed that I did not have money to buy food that day and really needed these funds. I asked to speak to a supervisor and was informed that there was over a 40-minute hold and that they would also be unable to help me. I finally mentioned that this felt like discrimination. I also mentioned that based on prior conversations that week I had found that none of XXXX friends who banked with Chase have never their funds held at all and have always had at least partial disbursement, even when overdraft. This is only my personal experience and that of several friends, but I know that Chase bank has been in trouble for discrimination before. I was reassured that Chase Bank does not discriminate and then instructed to call back the next day as they had notated the account and was promised it would be quickly resolved as it was a weekday. I was pleasant the entire conversation and told them I understood, gave up and hoped it would be released automatically the next day. On Monday morning ( XXXX ) the funds had still not been released despite a full business week having passed so I called CS again. After a 2nd long research process and over 40 minutes with the specialist I was again told that the check could not be verified as they could not reach the State of California for verification and that there was over a 40-minute wait for the supervisor. I got upset and then drove to the Chase Bank branch on XXXX XXXX hoping for a quick resolution. This was extremely XXXX inducing as my wife and I are both at high risk for Covid-19 and she is currently XXXX due to XXXX treatment. For our safety we have avoided going inside during the pandemic whenever possible and always go masked for the safety of ourselves and others. None of the employees were masked so this was very uncomfortable. When it was my turn, I informed the teller of what I needed and explained the whole situation, she then repeated this information to her branch manager, XXXX XXXX, who was standing right next to her, not two feet away. Ive had branch managers override things like this before at Chase and other banks and expected her to at least release a portion of them until things resolved on the back end. The check was only for {$2700.00} ( and from our government which doesnt bounce checks ) so I didnt think it would be a big deal, especially after all the hassle this weekend and our circumstances. The branch manager looked directly at me, paused, and then told the teller instead of me to tell me no, and to have me move to the side while someone called the helpline to verify the check. She was standing right next to us, so I overheard her response and told her directly, my wife has XXXX and is in the car waiting for XXXX ( she had an appointment that afternoon ). I need this money to buy lunch, pay people back and pay my bills. The helpline was no help and can not verify this information because they can not get through to the State, can you please help me? She told me no, and that theyll call to verify, and someone will help me on the side. I explained that their bank hasnt been able to do that over the last two days and I would really appreciate it if she could just help me out so I could just leave. She refused and told me that one of the desk bankers would assist me. At this point I got frustrated and felt like she was brushing me off instead of helping me. I had spoken to friends who worked in banking over the weekend so I knew that only managers can authorize the release. I saw she was doing something and was busy, so I calmly told her I would wait and wouldnt move from the window until she helped me. They had five other tellers standing around but didnt want to open another window and told me the only way I could get help was to move aside so they could help the four XXXX customers behind me. I refused and told them to open another window to help the other customers because I felt that if I stepped away my issue was not going to be resolved. I had been quiet as the situation is embarrassing but I loudly repeated that my wife has XXXX and is in the car and I need you to clear the check from the State of California that youve held for a week now so we can get some food to eat and pay the bills we are behind on. She refused and I felt like I was being disenfranchised and discriminated against. I loudly asked, can you please help me so I can just leave?. XXXX told me no again and that if I didnt step out of line security would have to remove me from the line. Some of the people in line were getting uncomfortable and frustrated at me for holding up the line because wouldnt open another window so I turned and spoke to everyone and said, man, I really hope nobody else is ever in this situation where you or your family has XXXX or is sick and the bank wont give you the money they owe you from the State of California after holding it for a week!. I felt bad about holding up the line and the manager again told me I was going to be removed from the bank. Fearing legal action or having police called, I stepped to the side with one of those desk bankers so he could make the call I already had made. I knew I was getting the run around so in frustration I yelled that this was discrimination and that this probably never happens to their XXXX customers. The manager told me that chase bank doesnt discriminate so I told her not to lie to me and to search the words Chase Bank and discrimination on XXXX and let me know what she found. I also loudly stated, you also closed my wifes account for no reason after opening it, just because shes XXXX after telling her that for no reason would it be close, so dont lie to me about your banks discriminatory practices ( This was an unrelated situation that occurred before we dated and after I was already banking & is not part of my complaint ). She huffed and then turned around as I continued to walk to the desk with a banker named XXXX. I do not know his last name. At his desk, I informed him that I would be making a formal complaint. He stiffened and for the next 5 minutes repeated what the manager had stated about bank policy. I told him I dont care, please make the call, youve already wasted 5 more minutes repeating things AFTER we sat down. He finally proceeded to make the call and while on hold I told him that his manager is a XXXX XXXX because I was very mad about the disparity in service that I receive when I have money and when I do not. I asked him if they could have cashed the check immediately the day, I received it and XXXX lied to my face and told me they could not have cashed my check that day. I told him So youre telling me as a member of this bank that I could not have cashed this check immediately despite it being from the State of California?. He realized I caught him lying and quickly backtracked due to the verbiage I used. I asked XXXX if he could put on a mask because were sitting so closely, and he told me that it interfered with his work because he couldnt show empathy without it. I told him hes not doing that anyway and that he could show empathy by wearing a mask at my request and inconvenience himself for 15 minutes since my wife has XXXX. He told me he would not so I laughed. The manager, XXXX finally walked over and was standing behind him not doing anything for 10 minutes. During this time, I told XXXX I know you can authorize this, I have friends that work in banking & I dont know why youre giving me such a hard time for something so easy. Her response was that she WAS trying to help me so I asked again asked them both to put masks on. They looked at each other and then XXXX said we dont have to, to which I responded, no, you dont, but it goes to show how much you care by not, which was met with silence again. I also said that this really looks like discrimination followed by I hope you or your family never gets sick and is treated like this when you need help. I am behind on rent, and this is cruel. My wife needs to go to treatment and is waiting in the heat in our car. Please give me my money and close my account. The manager again lied and told me that she cant help me due to bank policy and to wait for the call. I asked for her business card, and she disappeared for the next 10 minutes. XXXX finally got through right as she came back and when he explained the situation to the phone rep they put him on hold for another 10 minutes. I reminded them I already did this and that the phone reps cant help, the state is not picking up. It had already been 50 minutes in the bank plus 1.5 hours on the phone and I hadnt eaten since yesterday, you are wasting all our time for nothing, just to be cruel and inconvenient. I began thinking I was going to get shafted. The phone rep then hung up on XXXX and he turned to inform us what we already heard. I teared up and stared at the manager in silence. Knowing that I was about to walk out of that bank, XXXX told me to hold on and that she would close my account and cash my check. It only took her two minutes to fill out a form and to close my account and cash my check after telling me it was not possible to do so. After 6 hours Chase bank finally did what they could have done immediately by giving me my money. I told XXXX that she could have helped me from the jump instead of losing a customer and being a total XXXX. Her explanation was that she could not have because she was doing the count when I was at the teller. I told her that she could have always restarted the count and besides that, helped me instead of standing over your employee for 20 minutes while you hassle me. She told me that I could just leave now and so I did, telling them again I hope you never go through this yourself. | ||||||
| 01/27/2022 | Yes |
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| I rented a car with XXXX XXXX ( official XXXX company name is XXXX XXXX XXXX XXXX XXXXXXXX ) to do a one-way road trip from XXXX to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/2021. Per my booking with XXXX, and as reflected on my signed, legally-binding rental contract with XXXX based on that booking, there was no one-way fee levied for this rental. I paid the rental costs and insurance in full before taking the car on XX/XX/XXXX, and XXXX issued me an invoice to this effect. When I returned the car to the XXXX office at XXXX XXXX XXXX on XX/XX/XXXX, XXXX employees claimed a mistake had been made and that a one-way fee should have been assessed when I took out the car. They told me I could not leave the office until they spoke to their supervisor, and they physically barred me from leaving the premises. I was flying to XXXX in two hours for my Grandfathers XXXX birthday party taking place the next day, there was only one flight per day, and after half an hour of being held in XXXX office I was in danger of missing the flight. I finally told XXXX employees they werent allowed to hold me there, that the rental contract was the only legal document governing this rental, and that I had paid all costs per the contract in advance, as they could see. XXXX finally let me go, but refused to issue me a final invoice closing out the contract. I never received an invoice from XXXX by email or mail either. Later that day, after I left XXXX, a mysterious charge from XXXX for {$930.00} showed up on my credit card. Because I had no invoice, I did not know to what this charge corresponded. I called up XXXX XXXX, and in their broken XXXX they would not give me any explanation. The cost of renting the car for 17 days ( excluding the insurance ) was {$610.00}, so this charge was XXXX times the entire cost of the rental a huge sum. On XX/XX/XXXX, I disputed the charge with Chase as being improperly billed for a service not delivered. On XX/XX/XXXX, Chase wrote me a letter saying, We reviewed the information available and found that you either received the services or the merchant made them available for your use. We cant confirm youre due a credit because the services you purchased were received or available for use. We consider the charge valid based on our research Attached to Chase 's letter were documents from XXXX, including the final invoice, which XXXX had never shown me. The final invoice showed the disputed {$930.00} charge in question as being for a line item called Delivery. [ Note : all invoiced amounts are denominated in XXXX XXXX. {$930.00} is the credit card conversion to XXXX dollars ]. Subtracting this charge for " Delivery, '' the final invoice adds up to the same amount as the initial invoice, which XXXX also provided to Chase. XXXX also provided Chase a copy of the credit card payment receipt for the charge, and the signature block was ( of course ) empty because XXXX charged my card without my knowledge or consent after I had left XXXX. Please note that the security deposit I paid when taking out the car ( XXXX pesos ) was returned to me at the end of the rental. The documents XXXX provided to Chase made clear that I did not sign for this charge of {$930.00} and that it was entirely separate and additional to the security deposit. It was quickly obvious that Chase 's dispute resolution department had failed to do the most basic due diligence, thereby allowing XXXX XXXX, a foreign merchant, to keep {$930.00} of my money for a service not agreed or provided. As described, the merchant had provided Chase all the necessary information in this first review to determine that this {$930.00} was a billing error and that no service was agreed to or provided by the merchant for this charge. First, Chase 's investigators should have quickly realized that the " Delivery '' line item on the final invoice was the only cost in XXXX pesos large enough to equal {$930.00}. The other charges were not nearly large enough to add up to {$930.00}. Even if Chase 's investigators did not notice this, XXXX provided Chase both the initial invoice and the final invoice, so Chase should have quickly understood that the " Delivery '' charge was the difference between the two, and hence constituted the disputed charge in question. Next, Chase should have done three things : first, asked the merchant what " Delivery '' means ; second, asked the merchant where in the signed contract a service relating to " Delivery '' is written down and agreed to, or to otherwise provide proof that I had agreed to such a service and that it was provided to me ; and third, asked the merchant to explain why the receipt for {$930.00} was not signed by me, the customer. Chase did none of these most basic of steps. Instead, without doing this most basic of due diligence, Chase wrote me, " We reviewed the information available and found that you either received the services or the merchant made them available for your use. '' I called Chases dispute resolution office the same day I received the letter, XX/XX/XXXX, to report that Chase had made a grievous mistake, and explained the situation in detail. The Chase employee with whom I spoke told me to immediately email a special email address, XXXX. On XX/XX/XXXX, I sent a very detailed email to this email address in which I identified the disputed charge and explained in detail how this Delivery charge ( what I assume was XXXX attempt to unlawfully levy on me a one-way fee ) was not present in the legally-binding rental car contract, or the XXXX booking on which it was based. In my email, I explained clearly that the Delivery line item corresponded to the disputed charge of {$930.00} and that this charge clearly was not present in the rental contract. Following my email, chase re-opened the dispute. On XX/XX/XXXX, Chase sent me another letter saying, After reviewing the information that we recently received from you, we found no evidence of a billing error based on our research and the information available to us. The charge will remain on your account The same day, XX/XX/XXXX, I called Chases Dispute Resolution team again to explain they had made a mistake and to ask why the charge was upheld. The Chase agent told me that it was upheld because the total invoice amount equals the two charges XXXX levied on you. I explained to him that an invoice is not proof of anything an amount invoiced to a customer must be supported by a signed credit card receipt and/or a legally-binding contract showing that the invoiced service or good was agreed to and/or proof a service was delivered as agreed. I asked the agent if he even understood which charge was in dispute, and he could not tell me. It was obvious that despite my explaining the charge in dispute in detail in my email to Chase, the Chase investigator still had not understood that the Delivery line item on the final invoice is what corresponded to the disputed charge of {$930.00}. As noted, all the line items on the invoice are denominated in XXXX pesos without the taxes added ( the tax was added to the sum total of the line items at the bottom of the invoice ), so if someone does not take the time to look at the invoice carefully, they will not understand which charge corresponds to {$930.00}. The Chase agent repeated that all Chase looks at in its dispute resolution investigations is the invoice, and that in this case the total invoice amount in pesos matched the sum of the merchants two charges to me the disputed amount plus the initial charge when I paid the car and insurance upon taking out the car. He told me nothing else needed to be considered, the case was closed, and that I needed to move on and stop looking backwards. I requested to speak to a supervisor, and he told me Chases disputes department had no supervisors. I called Chases Dispute Resolution team again the next day ( XX/XX/XXXX ) to request a supervisor, and this time I was connected to one. After hearing me explain everything, the supervisor told me she was ordering an internal review to determine if Chase made any mistakes in its investigation. I was told Chase would contact me by phone with the outcome of the review. On XX/XX/XXXX, I called Chases dispute team to ask about the outcome of the review. I was told that a Chase investigator had reviewed the case and determined that the service relating to the disputed amount was included in the contract. This is the first time Chase had told me explicitly that they had based their finding on the service being present in the rental contract. I requested that the Chase agent tell me where in the rental contract any service relating to Delivery could be found, and the Chase agent could not provide me an answer. I then asked her to explain what " Delivery '' means -- what service does this word refer to? Again, she could not tell me what it means. How could Chase confirm that this service was provided to me was in the rental contract if they do not even know what it is? Additionally, the investigators notes, as read to me over the phone by the supervisor, made no reference to the line item Delivery on the final invoice, and the Chase supervisor once again did not seem to understand that this was the service that related to the disputed charge. It was clear that Chase still, after all my emails and calls, did not even understand which line item on the invoice related to the disputed charge. In sum : Chase did not due the most basic due diligence to 1 ) identify the service associated with the disputed charge in question, 2 ) Ensure such a service was in the rental contract, and 3 ) have the merchant explain what this " Delivery '' means and prove that it was in the contract or was otherwise agreed to with me and provided. Rather, despite my repeated attempts to resolve this issue in good faith with Chase, Chase has repeatedly used spurious justifications for upholding this charge, justifications which fail to acknowledge the clear fact at the center of this case : that no Delivery service, or any service relating to delivering a car or to a one-way fee, exists in the signed rental contract. The closest the rental contract gets to suggesting such a charge may be valid is at the bottom left of the rental contract, which says that a " Possible Additional Charge '' is a " drop off different city per kilometer. [ The bad XXXX is XXXX, not mine - this is word-for-word from the contract ]. However, as I noted to Chase, per the Sixth clause on the back of the contract this only applies if the renter drops the car off in a different location than already agreed in the contract. The wording is, " In case a vehicle is not returned in the place specified in this contract, the LESSEE shall [ pay ] justified expenses evidenced and used for the above-mentioned transfer. '' But I did, of course, return the car to the exact location specified in the contract. On a personal note, I serve our country overseas, and this is why I have the Chase Reserve Card so that I know that if an unscrupulous foreign merchant charges my card without my knowledge for a service I never agreed to, Chases dispute department will protect me. Ive served our country in war zones including in XXXX, XXXX, where I was up until XX/XX/2021, when we evacuated our Embassy. This is how Chase treats Americans like me who are working overseas, either to protect our country or to strengthen commercial/cultural/political ties with foreign countries, and who got this card because they trusted that Chase would protect them if a foreign merchant mis-used their credit card, as XXXX XXXX did with mine. I warned Chases dispute department repeatedly that if they did not fix their initial mistake and remove this charge, I would report this case to the Consumer Financial Protection Bureau, and their agents simply did not care. Finally, if this disputed amount of not credited back to my Chase account, I am publishing this narrative publicly online and also on Chase 's XXXX and XXXX. I also want Chase to know that I have authorized CFPB to publish this narrative on consumerfinance.gov to warn others. | ||||||
| 10/16/2023 | Yes |
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While looking for employment I received the following email and exchanges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are delighted to inform you that you have been selected to participate in the upcoming photo shoot organized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a renowned retail store that has been operating successfully for 45 years in XXXX XXXX catering to both men and women.
XXXX XXXX the store 's proprietor, expressed his commitment to positioning the store for the demands of the 21st century while upholding the high standards established by XXXX XXXX XXXX over a century ago. The store has received recognition for its excellence, being voted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prides itself on providing customers with designer clothing lines from the U.S.A. and XXXX, as well as custom-made options and formalwear for both men and women. The store also offers exceptional in-house fitting and tailoring services to ensure the perfect fit for their customers.
XXXX XXXX a reputable agency affiliated with XXXX XXXX XXXX, is organizing this shoot in XXXX XXXX XXXX. The purpose of the shoot is to promote a new clothing line in the United States and XXXX. This project is highly professional, creative, and collaborative, and your participation could lead to long-term opportunities and a continuous working relationship based on your performance.
For your involvement in the shoot, you will receive a compensation of {$1500.00} per day, totaling {$3000.00} for the two-day shoot. Additionally, a per diem compensation of {$500.00} will be provided, resulting in a total compensation of {$4000.00} upon the conclusion of the shoot.
The shoot will take place at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is conveniently located just about one hour away from XXXX XXXX XXXX XXXX ) Please find the detailed itinerary and shoot schedule below : Day 1 : * XXXX XXXX XXXX XXXX XXXX XXXX and check in at the designated hotel.
* Attend a 2-hour seminar from XXXX XXXX XXXX XXXX XXXX. This seminar will provide further information on the required duties and tasks for all talents, models, and crew members in attendance. A hard copy of the shoot call sheet will be provided during the seminar. Note that the seminar will be held at the hotel 's auditorium.
Day 2 : * Short shoot from XXXX XXXX XXXX XXXX XXXX
* Production from XXXX XXXX XXXX XXXX XXXX., with a break from XXXX XXXX XXXX XXXX XXXX
* If necessary, there will be a backup/edit shoot from XXXX XXXX XXXX XXXX XXXX
Regarding travel arrangements, a check of {$2800.00} will be issued to cover your travel and hotel expenses. These arrangements will be handled by a designated travel agent. The allocation for per diem compensation is {$300.00}, while the remaining {$2500.00} will cover transportation, accommodation, meals, and other logistics. The travel agent will make all the necessary reservations and arrangements on your behalf for your trip to XXXX XXXX XXXX XXXX
Your salary of {$4000.00} per day will be issued after the completion of the shoot.
Attached to this email is the Agreement form, which you are required to fill out immediately. Please submit the form via email as soon as possible. Additionally, please bring a physical copy of the Agreement form with you to the photo shoot. In the coming days, we will provide you with all the necessary information regarding your travel agent. However, for now, we kindly request that you confirm your availability and your utmost commitment to this project.
Please respond to this email with the following information : Model Name : Name that should be on the check : Address including Apartment Number where Applicable : Phone Number : Name of Financial Institution : Attached Agreement : Name of Reference : address of Reference : Contact of Reference : Relationship with Reference : N.B : It is important you respond to this email confirming your commitment before we send the check and proceed to make the necessary arrangement. You are allowed to bring one guardian along with you and the XXXX XXXX XXXX will handle the travel and hotel expenses.
Casting Director.
XXXX XXXX.
Hello, Thank you for your email.
Model Name XXXX XXXX XXXX Name that should be on the check : XXXX XXXX Address including Apartment Number where Applicable : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Name of Financial Institution : Chase Bank Attached Agreement : *see attachment Name of Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relationship with Reference : Long time close personal friend and client Good Day XXXX, Congratulations your Information has be Acknowledged and is being transferred to our agent, XXXX will contact and assist you on the next steps and connect you to your travel agent.
While you wait on XXXX, A check for {$2800.00} will be issued to you via email in minutes to cover your travel/hotel Expenses which will be handled via a designated travel agent.
Once the check is received make a mobile deposit, {$300.00} is allocated for per diem compensation while the balance ( {$2500.00} ) is the budget for your Transportation, Accommodation, Feeding and other Logistics. The designated travel agent will Make all the necessary Reservations and arrangements on your Behalf.
thanks, we are happy to work with you.
You can also contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a renowned retail store that has been operating successfully for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, the store 's proprietor, expressed his commitment to positioning the store for the demands of the 21st century while upholding the high standards established by XXXX XXXX XXXX over a century ago. The store has received recognition for its excellence, being voted the # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX itself on providing customers with designer clothing lines from the U.S.A. and XXXX, as well as custom-made options and formalwear for both men and women. The store also offers exceptional in-house fitting and tailoring services to ensure the perfect fit for their customers.
XXXX XXXX, a reputable agency affiliated with XXXX XXXX XXXX, is organizing this shoot in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This project is highly professional, creative, and collaborative, and your participation could lead to long-term opportunities and a continuous working relationship based on your performance.
For your involvement in the shoot, you will receive a compensation of {$1500.00} per day, totaling {$3000.00} for the two-day shoot. Additionally, a per diem compensation of {$500.00} will be provided, resulting in a total compensation of {$4000.00} upon the conclusion of the shoot.
The shoot will take place at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is conveniently located just about one hour away from XXXX XXXX XXXX XXXX ) Please find the detailed itinerary and shoot schedule below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and check in at the designated hotel.
* Attend a 2-hour seminar from XXXX XXXX XXXX XXXX XXXX This seminar will provide further information on the required duties and tasks for all talents, models, and crew members in attendance. A hard copy of the shoot call sheet will be provided during the seminar. Note that the seminar will be held at the hotel 's auditorium.
Day 2 : * Short shoot from XXXX XXXX XXXX XXXX XXXX
* Production from XXXX XXXX XXXX XXXX XXXX with a break from XXXX XXXX XXXX XXXX XXXX
* If necessary, there will be a backup/edit shoot from XXXX XXXX XXXX XXXX XXXX
Regarding travel arrangements, a check of {$2800.00} will be issued to cover your travel and hotel expenses. These arrangements will be handled by a designated travel agent. The allocation for per diem compensation is {$300.00}, while the remaining {$2500.00} will cover transportation, accommodation, meals, and other logistics. The travel agent will make all the necessary reservations and arrangements on your behalf for your trip to XXXX XXXX XXXX XXXX
Your salary of {$4000.00} per day will be issued after the completion of the shoot.
Attached to this email is the Agreement form, which you are required to fill out immediately. Please submit the form via email as soon as possible. Additionally, please bring a physical copy of the Agreement form with you to the photo shoot. In the coming days, we will provide you with all the necessary information regarding your travel agent. However, for now, we kindly request that you confirm your availability and your utmost commitment to this project.
Please respond to this email with the following information : Model Name : Name that should be on the check : Address including Apartment Number where Applicable : Phone Number : Name of Financial Institution : Attached Agreement : Name of Reference : address of Reference : Contact of Reference : Relationship with Reference : N.B : It is important you respond to this email confirming your commitment before we send the check and proceed to make the necessary arrangement. You are allowed to bring one guardian along with you and the XXXX XXXX XXXX will handle the travel and hotel expenses.
Casting Director.
XXXX XXXX.
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| 08/30/2018 | Yes |
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Web | |
| I am submitting this complaint because my Check Account Bank, XXXX XXXX XXXX is refusing to credit my account in the amount of {$2200.00} which was an UNAUTHORIZED Charge on my checking account because my Debit/Credit Card was Stolen when I was traveling overseas. When I called them immediately to notify Chase that the amounts charged were unauthorized and my card was stolen, I also notified them that it is possible my PIN # was stolen as well. I tried to explain the circumstances of why I believe this to be true. My Debit card was stolen and the unauthorized charge was made on XX/XX/2018. I reported the theft immediately after I realized my card was stolen. Chase has sent me a letter dated XX/XX/2018 stating they did an " investigation '' but gave NO details on what is the evidence they found and why they would not believe me, their long-time customer. All they stated in the letter is that since the charge was made with my PIN #, they could not reverse the charge or credit my account for the fraudulent charge. When I called the bank to speak about this matter on XX/XX/XXXX ( or around that date ), all I was told by the Bank representative was that the Bank could not " recover '' the fraudulent charge because my PIN # was used. This is completely confusing. I asked the customer service person why they did not BLOCK the fraudulent charges when I made the call almost immediately, after I realized my card was stolen. All the Customer Service representative stated was that since my debit card was a " Chip '' card, it was unlikely that my Pin # was fraudulently obtained. Basically, the Bank is stating that they do not believe me, their customer? And they have no evidence to provide me for their reasons? Here are the circumstances that lead to my Debit Card and my PIN # being stolen. -- On XX/XX/2018 close to XXXX XXXX, I was leaving the XXXX XXXX in XXXX, XXXX XXXX where I was on a vacation trip overseas. As I was going towards another common tourist site nearby -- the XXXX XXXX XXXX -- someone in a Black Uniform-like clothes approached me and told me that I would have to go to the nearby XXXX machine to get tickets printed out to enter the XXXX XXXX XXXX. -- Since this person appeared like he was dressed like the other Uniformed personnel who were working at the XXXX XXXX, I thought he was part of the outside personnel guiding visitors to the XXXX XXXX. -- This person informed me that the machine would print out a ticket and that if I was paying by a Mastercard or Visa, all I had to do was enter my PIN #. This person stated that it could not charge it regularly like a credit card. -- Because I was in an unfamiliar place and he seemed to be dressed like the other Guards or Personnel who worked at the Museum Site, I just followed his instructions. The machine that he directed me to get the tickets looked like an ATM machine, however, I was not familiar with the logo of XXXX ( which seems to be a foreign bank ) and I was not familiar with how a ticket machine would look like for the Tourist site at XXXX XXXX. This made me vulnerable to being mislead and misdirected to this machine. I followed this man to this machine who told me it was a machine that will print out a ticket for entry to the XXXX XXXX XXXX Tour Site. -- I noticed immediately that the machine they directed me to did not " respond '' or did not print a ticket or anything else when I inserted my card and punched in my PIN #. I was immediately alarmed and turned to the man who had directed me to this machine, but he vanished. It was then that I realized that as I was trying to figure out why the machine was not printing out a ticket, he was right behind me and had taken the card out of the machine without me noticing in such a quick flash. -- I was immediately alarmed that either the Machine was a " fake '' machine that somehow takes PIN # s from those entering it into the machine, or that he was able to see over my shoulder and see what PIN # I entered into the machine, or perhaps the fake ATM machine had a mirror or a camera there that could have picked up my PIN #. -- I was incredibly shocked and almost numb about what happened. -- However, I also immediately went to get help for what happened. I went to the gas station that was down the street from this XXXX machine and immediately asked those at the Gas Station that I needed to use their phone and report my card stolen. -- The owner of the Gas Station, named XXXX, immediately took me to his office and allowed me to use his phone and informed me that he was not surprised this occurred to me. He then went on to inform me that there was a group of " Con-Artists '' and scammers who repeatedly victimized Tourists like myself who were coming from the XXXX XXXX and were walking towards the XXXX XXXX XXXX. He went on to explain that so many other Tourists from many different countries such as XXXX, XXXX, and XXXX were similarly victimized. -- The Gas Station Owner, XXXX, has also tried to have what appears to be a fake ATM XXXX machine removed near his gas station so that these crimes do not keep happening. However, he has not been successful. Also, he has stated that these scammers have physically threatened him and all of his employees to prevent them from getting the police involved. They also warned the station owner and employees to not interfere in their criminal activities ; the criminals wanted to make sure that the Gas Station owner and his employees do not warn potential victims of this scam. -- When I was in the Gas Station Owner 's office to try to call Chase and immediately block the use of the card, I was told that these fraudulent charges were still " pending. '' I am sure that I called only about 10 minutes or less after these fraudulent charges were made. As I informed Chase of the fraudulent nature of these charges, I assumed that these charges from then on would be " BLOCKED '' or not authorized for payment to the Merchant. This is my understanding of what happens when you call in to report your card was stolen or that there were fraudulent charges on your account. I also EXPLICITLY stated that my PIN # may have been stolen as well and that I did NOT write my PIN # anywhere on the card. I never have and never do. -- After I called Chase to report these charges as fraudulent, I did go to the local police station to try to file a Police Report. However, the Police did not take my report at this time because they felt that nothing had been technically " stolen '' in the sense that I called the Bank ( Chase ) and reported my card stolen and reported the possible Identity Theft issue of the stolen Pin #. I also told the Police that I reported my card stolen and that it seems the Bank had issued the temporary credit. -- The local Police Station told me that since it seemed like the Bank may have " blocked '' or stopped the fraudulent charges from going through because I called them, and that I was issued the temporary credit, they declined to write any report. They considered that the matter was taken care of. They seemed to have not considered the importance of trying to stop this Identity Theft crime ring or to prevent other Tourists from being victimized, other Merchants or Banks or financial institutions from being victimized. -- Since this was the case, I am unsure what to do now since I already flew back home to the US without having a Police Report to send to Chase. -- Additional complaints I have about how Chase has handled this matter are the following : a ) When I called to inform Chase about the stolen Credit/Debit Card and my stolen Pin and they informed me that these fraudulent charges were still " pending '' and had not posted to my account yet, why did Chase not BLOCK or stop the payment to the merchant. My understanding is that if the customer ( me ) has called and reported these charges as UNAUTHORIZED, why would Chase approve or go through with the payment to the Merchants of these charges? I can guarantee you that the Merchants where my Debit/Credit card was fraudulently used, did not check or ask for Picture ID to use for these LARGE purchases ( thousands of dollars ). I believed Merchants were supposed to take precautions and measures to check for ID associated with large Credit/Debit purchases. Merchants certainly do that in the US. My understanding was the Bank had a duty and obligation NOT to approve of payments to go through to Merchants in the " pending '' stage if the customer ( me ) reported these charges as fraudulent. b ) The 2nd important complaint I have is : why would Chase allow such large purchases to be authorized on a SINGLE DAY and only within MINUTES. When you see the charges on my account and Chase provides you with the records, you will see that these very large, unusual charges, were made within MINUTES -- I would likely say within 10 minutes. Normally, in all my previous uses of this Debit/Credit Card, whenever there was a charge larger than {$500.00} per day, it was declined and Chase sent me emails and text alerts to make sure that the charges were accurate. I understand that my PIN may have been used in these transactions -- however, isn't using a PIN to withdraw thousands of dollars in ONE DAY within less than 10-15 minutes similar to a bank cash withdrawal? Since the daily limit is {$500.00} per day for cash withdrawals, why would there not be an automatic decline because of the large amount ( {$3000.00} + ) that was charged within 10 minutes? Again, in all previous interactions, anything larger than a {$500.00} PER DAY charge would have to require me calling into the BANK and specifically telling them ahead of time that it is me using the card and that I am about to make a large withdrawal or large purchase. In fact, when I arrived in XXXX, I specifically called Called Chase to let them that it was me and that I had flown now to XXXX from XXXX and that Chase should not be surprised that there are charges on this card in these countries. So again, why were these large charges of over {$3000.00} in ONE DAY within 10-15 minutes not automatically declined or FLAGGED until the customer ( me ) called in specifically to tell the bank that I am authorizing these charges? So there are many, many complaints against Chase Bank and how they have handled this matter. After calling the CFPB a few days ago and being directed to file this formal complaint, I was also told by the intake person who took information about my case to go and file a complaint with the XXXX XXXX Consulate or Embassy since I am not now able to go back to XXXX XXXXXXXX right now. It was also suggested that I file a case with the Federal Trade Commission to report this case of Identity Theft. I will be pursuing both avenues. This situation is particularly galling and disturbing because I am wondering what am I supposed to do now? To fly back to XXXX XXXX just to file the police report now would cost over {$1200.00} + just for the Airplane ticket itself. Not to mention other costs. It is beyond frustrating and ridiculous that Chase did not simply BLOCK and stop the payment from going through to the Merchants when they were specifically told that these charges were fraudulent. Yes, the PIN number was used and the Merchants allowed their merchandise to be taken out of the store and essentially Chase would not be reimbursing these Merchants from my account. HOWEVER, I believe these Merchants who were in the nearby area MUST know that there is this Fraud and Scam ring that are preying on Tourists and stealing their Credit/Debit cards in this area of XXXX. These Merchants must know that seeing unfamiliar foreign names on foreign Debit/Credit Cards being used, repeatedly by the same people, indicates there is something suspicious going on. It is up to the Merchants to ask for PICTURE ID from these scammers and to protect themselves from having their merchandise stolen from their store by these Crooks. Money from my account should not be used to reimburse them. | ||||||
| 07/18/2019 | Yes |
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| I am filing a complaint against my mortgage holder JP Morgan Chase Bark, N.A. and their Mortgage Escrow Department. I notified the Escrow Department that I was cancelling our property tax Escrow Account which is in effect to pay my County of XXXX XXXX Property Taxes, and I have been repeatedly told NO for unsubstantiated and false reasons. Chases Escrow Department has informed me that my Loan-To-Value ratio is too low to qualify for canceling my Escrow Account, which is false! Chase refuses to acknowledge their own Mortgage Department Equity Line appraisal completed in XX/XX/XXXX , County of XX/XX/XXXX-Office of the Assessor XX/XX/XXXX Assessed Value, nor the current real estate market value. Chase Escrow Department insists on using their Mortgage Departments Re-Fi appraisal completed in XX/XX/XXXX during the real estate market down-turn ; and will not acknowledge or accept any other documents verifying the current real property valuation from any source. However, they acknowledge the reason they mandated an increase my Escrow Account deposits is because they accept the increase in my property taxes as a result of an increase in assessed valuation. Chase can not have it both ways ; they can not insist on using an old out-of-date appraisal from six ( 6 ) years ago, refuse to accept current verifiable value documentation, and yet acknowledge an increased real property value by raising my Escrow Account deposits! Based upon current documentation, my current Loan-To-Value ratio is in the 70 % -to-74 % range ; well below the State of California required 90 % ratio and the Federal requirement. Chase Mortgage Department representatives lied to me on multiple occasions, blamed their denials on mandated requirements by both RESPA ( Real Estate Settlement Procedures Act ), the California DRE ( Department of Real Estate ), insisted my Loan-to-Value amount was wrong, refused to acknowledge Chases own Appraisal Of Real Property of XX/XX/XXXX, refused to acknowledge my increased Real Property value resulting in XXXX XXXX County raising my Property Taxes for the first time in four ( 4 ) years, and refused to acknowledge current real estate market valuations. They did not offer any recourse and only insisted that I must continue to deposit Escrow funds to their advantage and use. Following is the sequence of events that have occurred since I notified the Escrow Department : I received a Chase Mortgage statement and an Annual Escrow Analysis dated XX/XX/XXXX that stated my Escrow Account was projected to be short for the next property tax year XX/XX/XXXX and that my Escrow Account deposits and subsequent monthly mortgage payment was being arbitrarily increased a total of {$230.00} a month. I already knew that XXXX XXXX County increased my property valuation for the first time in four years because of rising real estate values, so I anticipated some increase in the Escrow Account for taxes. However, I was shocked at the Chase increase when I realized that the resulting Escrow Account new cushion total was more than required to pay the Property Taxes. In fact, the amount of the Escrow increase is more than twice the amount of monthly increase required for the Escrow Account balance to be able to pay the two property tax installments. First, I then called the XXXX XXXX Tax Assessors office to confirm my property tax amount, twice yearly payment dates, and my increased property valuation which caused my property taxes to increase. Then I calculated the amount of Escrow Account increase I would need to deposit to be able to pay my property taxes. Since my property tax increase resulted in a new yearly total of {$6400.00}, I need to increase my Escrow deposit an additional {$100.00} for a total of {$530.00} per month. Instead, I found that Chase quoted a monthly increase of {$230.00} for a total of {$660.00} per month. That is an additional {$120.00} per month with NO explanation provided! I then called the Chase Escrow Department to ask for clarification about the excessive increase. After a lengthy and tense conversation, I was told the additional increase was mandated by Chase as their cushion in case of an additional property tax increase! I explained that the increase only needed to be an additional {$100.00} per month and I was told that the new Escrow total was calculated by Chases Escrow formula for all mortgage holders that had Chase Escrow Accounts. I then informed the Chase Escrow Department that the increase was not approved by me and that I was cancelling my Escrow account and would be paying my property taxes myself. My comments fell on deaf ears and I was told that I would have to submit my cancellation request in writing to their Chase Research Department. My further telephone conversations with Chase Mortgage occurred as follows :XX/XX/XXXX Talked to XXXX and then XXXX XXXX. I stated that I was cancelling my Escrow Account. There was no acknowledgement that Chase would cancel the account. XX/XX/XXXX @ XXXX Talked to XXXX . Again stated I was cancelling my Escrow Account and why was Chase refusing to do so? XX/XX/XXXX @ XXXX Talked to XXXX . Transferred to XXXX @ XXXX. I was told that I had to submit my Escrow Account cancellation request in writing to the following Chase Department : Chase Research Department XXXX XXXX XXXX . XXXX, Ohio XXXX FAX ( XXXX I was told to include a cover letter, information about property valuation and appraisals, and Loan-To-Value information. I asked for a telephone number and was told I could only contact that department by FAX or letter. I researched all the necessary information and wrote a cover letter with attachments and faxed it on XX/XX/XXXX. I did not receive any acknowledgement of receipt other than my FAX machine transmission record. I faxed another request for an acknowledgement of receipt on XX/XX/XXXX, and did not receive a reply. XX/XX/XXXX Received a Chase form letter dated XX/XX/XXXX stating : Your loan-to-value ratio needs to be lower for us to remove your escrow account. Further, it stated : Right now, you LTV is 105.4 %. Please resend your request when your LTV ratio is 80 % or less. XX/XX/XXXX - Received a Chase form letter dated XX/XX/XXXX stating : We cant complete your request at this time because California law requires an escrow account for loans that have a loan-to-value ( LTV ) ratio greater than 90 %. Further, it stated : Your LTV ratio is the percentage of your loans current outstanding valance and your homes original or current value. Right now, your LTV is 105.4 %. Please resend your request when your LTV ratio is 90 % or less. Note : Obviously, Chase never researched or verified any details regarding their documented appraisal of my property valuation, or current verifiable property valuation, or that my property is actually in the State of California, where I reside. Also, the first letter was dated XX/XX/XXXX, the same date that I faxed my written request to them. Even though their FAX address is stated as the Chase Research Department, they obviously did nothing more than generate a form letter because they had NO intention of researching anything and demand that I continue to deposit money into my Escrow Account for their ongoing investment purposes until tax payment time! XX/XX/XXXX @ XXXX XXXX Talked to XXXX. Transferred to XXXX ( XXXX ) @ XXXX XXXX. XXXX told me that my point of contact was XXXX who is the Case Manager. XXXX told me he would contact XXXX and have him call me. Then XXXX gave me his own contact number and extension ; XXXX # XXXX, and that he is available Tuesday thru Saturday from XXXX to XXXX EST. Then XXXX gave me XXXX contact number ; XXXX # XXXX. That conversion lasted 50-minutes without success in getting our Escrow Account cancelled. I had never heard of a XXXX. Note : After no success in having Chase Mortgage agreeing to cancel our Escrow Account, and being told that their refusal was based upon requirements, regulations and mandates from both RESPA and California DRE, I decided to research those requirements. I was not able to find any specific rules or regulations or that mandated Chase to refuse my Escrow Account cancellation on any grounds other than LTV. I already knew that Chase refused to acknowledge or accept any updated or current appraisal documentation on my real property because it is more important for Chase to keep any and all Escrow funds flowing to them for any unsubstantiated reason. XX/XX/XXXX @ XXXX Finally received a call from XXXX ( who I had never heard from previously ). During our conversation, he told me that the reason my Escrow Account could not be cancelled is because my Loan-To-Value was higher than allowed. He then told me that my property was appraised at {$360000.00}??? I was shocked as our current property value by market value is between {$530000.00} and {$550000.00} ; and that XXXX XXXX County-Office of Assessor has my valuation at {$570000.00} before exemption. Further, the Chase Mortgage Department required an updated appraisal before updating my Equity Line of credit. Their appraisal total was {$520000.00} dated XX/XX/XXXX. Still, my Chase Case Manager XXXX insisted the Chase mortgage Re-Fi appraisal amount of {$360000.00} from XX/XX/XXXX. He also told me that Chase Escrow Department doesnt know anything about a XX/XX/XXXX Chase ordered appraisal that the Mortgage Department required because of updating my Equity Line. He told me they are separate departments and do not have access to each others documents? What, am I dealing with two different companies or is Chase trying to deceive customers and refuse requests so they can maximize their escrow deposits for their own banking bottom line? The conversation with XXXX resulted in no solution and no path to resolving my cancellation request issue. The call ended at XXXX. It was obvious that any further attempts to convince Chase to use current financial, tax, and real estate values would continue to fall on deaf ears. XX/XX/XXXX and XX/XX/XXXX I researched all of my records and documents to confirm the source of the XXXX stated property value of {$360000.00} from XX/XX/XXXX ; and our copy of the newer Chase ordered appraisal dated XX/XX/XXXX. I only have a copy of the Chase XX/XX/XXXX appraisal because I repeatedly insisted to both the Mortgage Department and to my Personal Banker at my Chase Branch Bank to provide me a copy. Now I realize that Chase never wanted to provide their valued customer a copy of Chases appraisal on my real property. Obviously it is a very good thing I have a copy of that appraisal in my possession, or Chase would state that it never existed! Summary : Chase has made it impossible to cancel my Escrow Account, and any further recourse with them. They have left me no choice but to file formal complaints with both the Federal Consumer Finance Protection Bureau and with California Department of Business Oversight for Chases purposeful denial, mishandling and refusal of the financial facts for my Escrow Account cancellation request. In XX/XX/XXXX, JPMorgan Chief Executive XXXX XXXX and Chase agreed to a {$13.00} XXXX settlement with the U.S. because of the overstated quality of mortgages it was selling to investors in the run-up to the financial crisis. My Escrow Account cancellation refusal by Chase is just another ongoing example of mortgage abuse because they can and will continue their same devious policies and procedures to enhance their profits at their customers expense. Does the Chase refusal to acknowledge and accept verifiable real property values and to cancel my Escrow Account, signal that Chase will continue to resort to any means to falsely collect Escrow Account funds from their unsuspecting customers? Does Chase use the same refusal strategy for their customers who also have Insurance Escrow Accounts and want to cancel those accounts? I am sure they do! | ||||||
| 01/12/2018 | Yes |
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Web | Older American |
| JPMorgan Chase and their attorney XXXX XXXX are conspiring with the XXXX County California District Attorney to deprive me of my rights to hold property and right to contract by having the DA arrest me on false charges over a civil litigation dispute. Theft of properties absent authority, or right. Chase has wrongfully foreclosed on my properties without the note and without authority, has failed to surrender the original notes as required after foreclosure, and has threatened foreclosure on other properties. Chase has, in hundreds of court cases, pointed to the Purchase and Assumption Agreement with Receiver, FDIC, as evidence that Chase acquired XXXX XXXX XXXX's loans. But, the Purchase and Assumption Agreement states on page 10 that the means of transfer from FDIC to Chase is to be a Receiver's Deed or Bill of Sale. FDIC has never issued any Receiver's Deeds or Bills of Sale to Chase, because Chase did not supply FDIC with the required list of loans via schedule 3.1a, as stipulated in the P&A Agreement. This constitutes proof that Chase has no claim on any of our properties, or any other WAMU loans it has illegally foreclosed upon. For the record, I have never contracted with JP Morgan Chase ever, for any financial product and I never intend to. We have experienced years of continued harassment from JP Morgan, loan servicing companies, and attorneys. They have inserted themselves into my, and my familys lives demanding payments and threatening to take our homes if we refuse. We have been living under constant threat for nearly 10 years and now the local prosecutor is threating 17 years in jail because I substituted the trustee on the public record after WAMU went bankrupt. WAMU failed as a company because of their illegal sub-prime mortgage scheme that targeted minorities knowing that we would eventually default due to their non-disclosure of massive balloon payments and reverse amortizations that were built into these loans. The criminal complaint must be withdrawn, discontinue the harassment, issue a quitclaim deed and pay damages to me and my family. HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes, I have been in civil litigations for many years and JPM has never made any offer to settle anything. Step 3 Edit this section What happened? I am a XXXX XXXX, having been brought to this country as an unaccompanied minor through the previously classified XXXX XXXX XXXX in XX/XX/XXXX. I have been a XXXX XXXX XXXX and XXXX XXXX since XX/XX/XXXX, with many successful business transactions and successful banking relationships in that time. In XX/XX/XXXX, I built a single family home in XXXX XXXX California, and I obtained financing from XXXX XXXX XXXX (WaMu). WaMu went into receivership in XXXX and Chase claimed to have acquired all the assets from Receiver FDIC. However, it failed to conform to the terms and requirements of the Purchase and Assumption Agreement, it formed with the FDIC, failed to obtain from FDIC the Receiver's Deed or Bill of Sale on any of the loans it claims to have acquired. An officer of WaMu who was hired by Chase, XXXX XXXX, testified that in the thousands of loans ...that were a part of this [WAMU] purchase, Ive never once seen an assignment of mortgage ...or allonges or anything transferring ownership from WaMu to Chase... J.P. Morgan Chase Bank vs. XXXX XXXX XXXX CHASE'S CLAIM THAT IT ACQUIRED WAMU's LOANS FROM FDIC IS PROVABLY FALSE In addition to the proof cited above regarding Chase's failure to obtain a single Receiver's Deed or Bill of Sale as stipulated in the Purchase and Assumption Agreement, Chase's claim that it acquired all of WAMU's assets is also untrue. The presumption that Chase acquired all of WaMu's loans is rebutted by the fact that more than $XXXX XXXX of these loans were sold prior to WaMu going into receivership. The U.S. Senate Sub-Committee (XXXX XXXX XXXX) reveals in its findings of fact that WaMu sold and securitized at least $XXXX of residential mortgage loans through its subsidiaries WaMu XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX who acted as Depositors in the securitization transactions. See: https:XXXX In the case of XXXX v. JPMorgan Chase JPMorgan Chase and XXXX XXXX as Trustee have taken a position that universally applies to all $XXXX XXXX of these securitized loans. Each one of these loan transactions will show either the investor code XXXX, XXXX, or both somewhere in the Loan Transfer History screenshots within the servicing system and as such, the loans were not purchased from the FDIC. In the XXXX case, a specific REMIC Trust is named in the action. To prevail on its argument that the (XXXX) loan was sold and transferred to the Trust, JPMorgan Chase and XXXX XXXX XXXX as Trustee, both admitted / stipulated that the loan contained both investor codes XXXX and XXXX in the loan transfer history, which means the loan was sold by XXXX XXXX XXXX to the subsidiaries prior to those subsidiaries transferring the loan into the Trust. AND it was stipulated that the loan was NOT PURCHASED FROM THE FDIC. Thus, the presumption that Chase has relied upon in order to maintain its position in thousands of foreclosure proceedings is that (1) it acquired the loans through the P&A Agreement, and (2) that the assignments of beneficial-ownership interests to the loans unto itself as attorney-in-fact for the FDIC, have now been debunked by its own admissions! The alleged assignments of the DOT without actual transfer and delivery of the original note grants no authority to XXXX XXXX XXXX to bring its complaint or to foreclose, as it is clearly not the holder nor a party in interest. Without the original note and Receivers Deed or Bill of Sale, Chase was without authority to transfer the DOT to XXXX XXXX XXXX. And, further, absent clear proof that it acquired any of the WAMU loans it claims to have acquired, its complaint to the District Attorney, via its attorney XXXX XXXX, is a fraud upon the court, and a blatant conspiracy to defraud me of justice. Thus, while Chase has claimed to be the holder of my original notes, it has failed to surrender said notes to me, as required after foreclosure of two of my properties. This fact along with the sworn testimony of XXXX XXXX, XXXX, constitutes evidence that Chase lied; that it was not the holder as claimed, and that each foreclosure was fraudulent, and a theft of my property. It also constitutes proof that the DA's charges of fraud, brought at Chase's behest, are utterly baseless, as Chase has never proven that it acquired said loans or suffered any loss. Thus, Chase and its attorney, XXXX XXXX, have conspired with DA XXXX XXXX and investigator XXXX XXXX, to falsely arrest, imprison and indict me, without any basis. IN AN ATTEMPT TO STOP THIS FRAUD I HAVE BROUGHT ACTIONS AGAINST CHASE FOR THE LAST SEVERAL YEARS I have been challenging Chase's standing to foreclose in the local courts, for the last several years. Chase has repeatedly failed to prove that it acquired any beneficial interest to the properties it has foreclosed upon, or the properties it has threatened to foreclose upon. Recently, Chase had its attorney, XXXX XXXX, write to the district attorneys office claiming that Chase did not authorize the recording of various documents on the public record. However, I have proof that I did obtain authorization from chase based upon multiple private agreements that chase never responded to, defaulted on and acquiesced to. The District Attorney then had me arrested for filing false documents. XXXX XXXX did not name the officer who supposedly claimed that I was without authorization, nor did he supply the DA with an affidavit from a competent witness. The DA falsely arrested me without a sworn affidavit from an officer of Chase. He charged me strictly based on the letter from XXXX XXXX, who is not a competent witness, but was retained as the defense attorney on a suit brought by me against Chase, for wrongful foreclosure, illegal conversion and fraud. The claims of fraudulent filings are exactly what I have been accusing Chase of as part of my civil litigation against them. JPMorgan did execute un-lawful foreclosures and then evictions without returning the original notes to me, in violation of law and equity. As it is not equitable for Chase to keep both the property and the note after a foreclosure, see: California Civil code 2941. The district attorney has contacted a tenant that I have living in a different property in the county and intimidated him to such a degree as to convince him to stop paying the rent. This act by the DA was meant to deprive me of funding so that I would not be able to properly litigate the multiple litigations and experience a financial hardship. The district attorney has also been meeting with Chase's attorney in the halls of the courthouse after the civil litigation proceeding to escalate the civil proceeding to criminal charges. (See attached criminal complaint). This situation has caused me XXXX XXXX XXXX for years, even after Chase has paid billions in illegal foreclosure settlements to the US government. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. What would be a fair resolution to this issue? Withdraw the criminal complaint XXXX County California case No XXXX XXXX County California case No XXXX The CFPB should investigate each of Chase's foreclosures on my properties and others, as there is compelling evidence cited herein that Chase does not have ANY of the notes on any of the properties it has foreclosed upon: According to the un-rebutted statement of the XXXX XXXX XXXX, it is policy for banks to destroy notes. The federal government, which collects billions of dollars from banker's malpractice settlements, must make these funds available to the consumers who have been defrauded by this malpractice. The judicial branch of government must admit that widespread bank fraud has been perpetrated against American consumers, and eliminate this practice. In this case, we ask that CFPB contact the public office of the XXXX County District Attorney to have them withdraw its criminal complaints against myself and other consumers actively litigating these important matters in civil court. Step 4 Edit this section What company is this complaint about? COMPANY INFORMATION JPMORGAN CHASE BANK, N.A. XXXX XXXX XXXX XXXX XXXX INVOLVEMENT Debt Collector SOCIAL SECURITY NUMBER (LAST FOUR DIGITS) XXXX <<<<<<<<<< COMPANY WHERE THE DEBT ORIGINALLY CAME FROM XXXX XXXX XXXX, XXXX INVOLVEMENT Loan originator, creditor SOCIAL SECURITY NUMBER (LAST FOUR DIGITS) XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? Yes ATTEMPTED TO FIX WITH THIS COMPANY? Yes, many times. Step 5 What people are involved? XXXX XXXX, XXXX, JPMorgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX, XXXX, JPMorgan Chase Bank, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX, JPMorgan Chase Bank, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Ca, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX Ca, XXXX XXXX XXXX XXXX., XXXX County District Attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca, XXXX XXXX XXXX XXXX XXXX., Deputy District Attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca, XXXX XXXX XXXX, Investigator District Attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca, XXXX Active court cases regarding these parties: Central District of California, Federal Case No XXXXXXXX Central District of California, Federal Case No XXXX XXXX County California case No XXXX XXXX County California case No XXXX The following corporation: JPMORGAN CHASE BANK, N.A, XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ||||||
| 06/03/2021 | Yes |
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| Chase now asserts that the account defaulted under the " Cardmember Agreement '' when the cardholder filed bankruptcy. Chase gave the impression that the bankruptcy alone automatically " charged off '' the account. ( Note : XXXX of the Executive Office asserted on XX/XX/XXXX that the account " Systematically '' charged off 60 days of Bankruptcy Coding. XXXX gave the impression that the account was charged off due to Chase " Policy. '' However, XXXX 's assertions pertain to FDIC, Law, Regulations, Related Acts, 5000-Statements of Policy ). However, the " Cardmember Agreement '' does not state anything regarding " charge off '' as it pertains to bankruptcy. The " Agreement '' stipulates, Your account will be in default if : 1 ) You do not pay at least the minimum payment when due ; 2 ) You fail to comply with this or other agreements with us or one of our related banks ; or 3 ) We believe you may be unwilling or unable to pay your debts on time ; you file bankruptcy ; or you become incapacitated or die. If your account is in default, we " MAY '' close it without notice and require you to pay your unpaid balance immediately. We can also begin collection activities. To the extent permitted by law, if you are in default because you have failed to pay us, we require you to pay our collection costs, attorney fees, court costs, and all other expenses of enforcing our rights under this agreement. As to ground ( 1 ), The Cardholder asserts that she was current and paid well above the 'minimum payment ' before and after filing bankruptcy on XX/XX/XXXX. As to ground ( XXXX ), The XXXX asserts that she complied with the " XXXX '' before and after filing bankruptcy by making timely and well above the 'minimum payments ' and paying the card in full on XX/XX/XXXX. As to ground XXXX 3 ), The Cardholder demonstrated both willingness and ability to pay when she continued to make 'timely ' and well above 'minimum payments ' after notice of bankruptcy. Also, as to ground ( 3 ), The Cardholder noted that filing bankruptcy also falls under the default criterion, " We believe you may be unwilling or unable to pay your debts on time. '' Therefore default due to filing " bankruptcy '' required the Cardholder to be delinquent on making payments to Chase. Thus, the filing of bankruptcy per se would not trigger default. Typically, when one files bankruptcy one is also delinquent on credit card payments and other financial obligations. However, this situation did not apply to the cardholder since she was current on payments to Chase and other creditors. Filing Bankruptcy plus Delinquency are the prerequisites for default. Loans that are in default are loans for which the borrower have failed to make payments for an extended period of time. A loan becomes " Charged off '' when there is no longer a reasonable expectation of further payments. A credit card is typically 'charged off ' when an account is in default, which usually results when the credit card company hasn't received at least the minimum payment in over " 180 '' days. Also, under the Default terms of the " Agreement, '' Chase asserted that it " MAY '' close it without notice and require you to pay your unpaid balance immediately. The Accountholder asserts there is an important distinction between " shall '' and " may. '' " Shall '' is a command ; whatever follows after " shall '' is mandatory. It is required ; it must be done. Conversely, " May '' is optional ; it is at the discretion of the person making the decisions. So, under the terms of default, Chase had the discretion to close the account without notice and require the Cardholder to pay the unpaid balance immediately. But instead, Chase chose to unjustifiably " charge off '' the account. Notably, Chase exercised its discretion to close the account without notice to the cardholder. However, notably, Chase did not exercise its discretion to require the cardholder to pay the unpaid balance immediately. The Cardholder strenuously asserts that if the account was in default, why didn't Chase require the cardholder to pay the unpaid balance immediately? The Consumer asserts that if she had been required to pay off the card immediately to avoid a " Charge Off '' she would have complied. But Chase in its wanton disregard for its So-called XXXX Consumers failed to provide this opportunity to the Cardholder. Chase showed no regard for the credit wellness of its So-called XXXX Cardholders. The Cardholder opines that Chase did not require the cardholder pay the unpaid balance immediately because the account was current and the cardholder demonstrated the willingness and ability to pay what was owed to Chase. Also, the Cardholder asserts that there is a distinction between " Close '' and " Charge Off. '' Closing a revolving line of credit simply terminates the consumer 's ability to access credit, thus, increasing the revolving debt. It is done to reduce further risk on the part of the creditor. Notably, delinquent accounts are routinely closed by the creditor. On the other hand, a " Charge Off '' is the most extreme reporting of delinquency, as it both states the account was delinquent and unlikely to be repaid. Also, significantly, often when an account is written off or charged off, the creditor will sell the debt to a collection agency and the balance on the " original '' account will be updated to zero. If so, you no longer owe the balance to the original creditor. Instead, the collection agency becomes the legal owner of the debt. Any payments should be sent to the collection agency. Once paid in full, the entry for the collection account will be updated to " Paid Collection. '' If the creditor has not sold or transferred the debt to a collection agency, the charged off account still will report the balance owed. Notably, on the Credit Report dated XX/XX/XXXX, Chase reported that account closed and {$1000.00} written or charged off. The Cardholder asserts that a " Charge Off '' was indefensible since the account was never late before and after filing notice of bankruptcy on XX/XX/XXXX, and the account was paid in full on XX/XX/XXXX. Also, its noteworthy, there was no collection activity on the account and this account was paid timely, well above the " minimum payments '' and final payment made on XX/XX/XXXX. However, Chase continues to unjustifiably and maliciously report this account as a " Charge Off '' to the CRA 's. Also, the account governed by federal law. And under 5000-Statements of Policy : Uniform Retail Credit Classification and Account Management Policy, " Loans in bankruptcy should be classified Loss and Charged Off within 60 days of receipt of notification of filing from the bankruptcy court or within the time frames specified in this classification policy, whichever is shorter, UNLESS the institution can clearly demonstrate and document that repayment is LIKELY TO OCCUR. Any balance not charged off should be classified Substandard until the borrower re-establishes the ability and willingness to repay for a period of at least six months. Notably, Chase 's recent response contradicted the Executive Office 's ( XXXX XXXX ) earlier response that " Bankruptcy '' fell under the " Accelerated Charge Off '' criteria, and " Systematically '' charges off 60 days of Bankruptcy coding and must report account accurately. Remarkably, XXXX failed to provide written documentation to support this alleged " Policy. '' Moreover, more importantly, XXXX did not mention or assert the " Cardmember Agreement '' to justify or support that the " Charge Off '' is valid per " Agreement. '' I spoke with the Executive Office ( XXXX ) on XX/XX/XXXX. Ms. XXXX said that she sent an additional letter regarding my inquiry on XX/XX/XXXX. I stated that the recent response contradicted what Chase ( XXXX XXXX said on XX/XX/XXXX. She said that they did confirm that the charge off was valid. I said that the " Agreement '' does not state filing bankruptcy automatically triggers default, resulting in " Charge Off. '' I said that in addition to filing bankruptcy, I must be at least " 180 '' days late in order to default on the account. After I further pressed her on the matter, XXXX said that her hands are tied. XXXX admitted that she could not see anything on the account because it was closed a while ago. Further, said that I would have to contact their " Collections '' division, because technically she couldn't see anything to go over the account with me. She said that I would need to speak with collections regarding any 'defaults ' they claimed I had. Also, said that she did not have access to my account because it is too old and has been closed too long. I asked why Chase would give my concern to her to investigate if she doesn't have access to the records? She said that's why she went to the " Collections '' division and this is what they sent her. Further, said that she could only go by what they had advised her. She admitted that she was conveying information that they provided to her because she can't see anything. I called Collections to inquire about collection activity on the account. I was told that the account was paid in full on XX/XX/XXXX. Also, " collections '' said there is no balance on the account. Notably, the Collections Agent assumed that the account was delinquent since it was charged off. I said that the account was never delinquent, which caused confusion for the agent. I said that I'm trying to get a charge off removed and this account should have never been charged off. The Agent transferred the call to the Bankruptcy division. I said this account was " charged off '' but was never delinquent. And wanted to know why this account was charged off? She asked if it was showing up on my credit report as charged off? She said that the charge off was due to the bankruptcy. Also, said that she was not able to check the status of the account. She then transferred me to " Credit Reporting. '' He said that the account showed a zero balance across the board. I said the account was never delinquent. He retorted that it was but it isn't anymore. I asked him to explain how the account was delinquent? He said that it went from XXXX to XXXX without a payment for XXXX. I said that is totally false and that I never missed a payment to Chase. He said that it reflects paid off as well. It was charged off on XX/XX/XXXX, and paid off in XX/XX/XXXX, the report reflects that exactly. It actually doesn't show a delinquency on the credit report ; it simply shows that it was charged off. So, XXXX XXXX claimed the reason for the " charge off '' was due to the cardholder 's failure to pay on the account for 8 months. However, notably, there is no " collection activity '' on the account. Also, the " Charge Off '' occurred on XX/XX/XXXX. But Chase used the alleged delinquent payments from XXXX thru XX/XX/XXXX, to justify the " Charge Off '' dated XX/XX/XXXX? Notably, I was on the phone with Chase for almost an hour and a half, which is par for the course when dealing with Chase. Again, I want this " Charge Off '' removed ; information reported accurately to the Credit Reporting Agencies ; and Compensation for the false reporting, malicious aggravation and time wasted trying to compel Chase Card Services ( Bank ) to comport with FDIC regulations and act responsibly. I have been going back and forth with Chase about this matter for almost five ( 5 ) years now. Clearly, this matter has XXXX overtones. And I am certain that Chase Bank without more than sufficient justification to do so would not have arbitrarily " charged off '' nondelinquent accounts of its So-called white cardholders. The Cardholder strenuously asserts this is an unequivocal case of credit racism. But be assured that the consumer will go to whatever legal extent necessary to resolve this matter. Relentless, | ||||||
| 04/25/2017 | Yes |
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| Please accept this formal complaint on behalf of my client ( Client or Borrower ) regarding the malicious intent and willful misconduct exhibite d by Chase ( Chase or t he Bank ) during my Clients application for a mortgage loan and for the duration of the closing process for her refinance mortgage loan with the Bank. We have overwhelming support that clearly demonstrates repeated regulatory violation s by Chase during this transaction and, of which, are the basis for this complaint. The premise of the compla int lies in the damages faced by my Client as a result of delay tactics and other egregious behavior used by Chase to p ersuade borrowers, including, but not limited to, my Client to walk away from loans when the Bank finds itself unwilling to honor rates that it had committed to. At the onset, we would like to emphasize that there is no justifiable basis for Chase to deny the loan to this Borrower who has timely complied with each and every request made by Chase, has the income and assets to support the debt service and has impeccable credit. Moreover, since Chase never intended to honor the terms originally committed to by them, they have intentionally failed to process the loan in c ompliance with Banking Regulations, including, but not limited to Regulation B and have also proceeded to k nowingly commit numerous TRID violations. This is a tactic which many of the loan officers that I work closely with ( and state that they have other borrowers with similar situations ) have advised me that Chase uses in order to frustrate their borrowers and force them to look elsewhere for a loan when they do not want to proceed with under originally committed terms. The following is a timeline of the significant events that transpired with regards to the loan to my Client ( note that we followed up each and every week and any gap in such timeline does not indicate a failure to follow up on behalf of the Borrower, but a failure from the Bank to provide any information regarding the status of the loan ) : XXXX XXXX , XXXX my Client beg an the process of applying to refinance her new home wi th Chase . Between XXXX XXXX , XXXX and XXXX XXXX , XXXX , several emails went back and forth with the loan officer, XXXX XXXX , and a list of required documents was provided. The loan officer, XXXX XXXX and Borrower be gan to gather all information required. XXXX XXXX , XXXX all of the required information was sent to the loan officer. Included with the correspondence that attached such required information was an explanation that the Borrower would be applying for a refinance to pay off an existing private loan on the property and pay down a line of credit on another property ( which li ne of credit funds were used to improve the property being given as collateral to the Bank ). XXXX XXXX , XXXX an email was sent requesting the status of same. XXXX XXXX , XXXX another email was sent requesting the status and the loa n officer stated that disclosures had been sent out although they had not been received. Disclosures were finally received, but there were several mistakes noted on the documents. XXXX XXXX , XXXX - Borrower received a conditional approval with an interest rate of 3.875 % ( the correct interest rate ) and points of 0.250 % ( which the loan officer promised would be waived ). NOTE THAT A LOAN ESTIMATE WAS NEVER PROVIDED AS REQUIRED UNDER TRID WITHIN 3 DAYS FROM LOAN APPLICATION. XXXX XXXX , XXXX and f or nine ( 9 ) consec utive days thereafter- emails were sent to the loan officer requesti ng the status of the corrected lock in rate agreement and status of the loan. XXXX XXXX , XXXX lock in rate agreement was received but same reflected higher points than what was on the conditional approval and initial documentation. The loan officer assured the Client that those points would all be waived. AGAIN, AT THIS TIME, A LOAN ESTIMATE WAS NOT PROVIDED. Moreover, Borrower submitted additional documentation requested, including a letter of explanation stating what th e loan proceeds would be used for ( although there were several emails dated as early as XXXX XXXX or before which included such information ). XXXX XXXX , XXXX XXXX XXXX contacted Borrower for a good faith payment which was essentially the cost of the appraisal wh ich Borrower paid by cre dit card over the phone. XXXX XXXX , XXXX XXXX XXXX , XXXX Several emails were sent to the Bank during such time ( note that at a minimum 1-2 emails are sent and 1-2 phone calls are made weekly to the Bank requesting the status of this lo an ). On XXXX XXXX , XXXX , the appraisal of the house was conducted. XXXX XXXX , XXXX our law firm received a title request and the title commitment, preliminary CD, chain of title and prior survey were provided. Note that at such time, a tentative closing date had been set but n o Lenders Estimate had yet been issued to the Borrower. XXXX XXXX , XXXX after many emails and phone calls, we received a copy of the appraisal which indicated that the appraised value of the home was {$640000.00} ( higher than Client initially anticipated ). We immediately sent an email to the loan officer inquiring as to whether it would be possible to increase the loan amount from {$500000.00} to {$520000.00} based on the appraisal and the loan officer , XXXX XXXX responded with an email dated XXXX XXXX , XXXX , statin g Done. Loan amount increased to {$520000.00}. Again, no Lenders Estimate was issued at this time . After such date, the loan process stopped. This firm and the Borrower called 3-4 times a week and sent emails 3-4 times a week requesting an explanation for such stall. During this time we also began copying XXXX XXXX , XXXX XXXX manager on t he correspondences and calling XXXX XXXX but XXXX XXXX never responded to any emails or telephone calls. The only information we were given at the time was that there was a technical issue and that the loan officer would get back to us. Weeks passed, the Borrower and this firm continued to call XXXX XXXX , the person who sent the initial title request and XXXX XXXX to no avail. Client and I even reached out to the manager of t he branch where XXXX XXXX works and could not resolve the issue. The only correspondence or answers that we would receive stated that there was a technical issue and that XXXX XXXX would not be responsible for the costs of extending the rate lock. XXXX XXXX , XXXX Borrower contacted XXXX XXXX XXXX VP- Sr Lending manager for South Florida . XXXX XXXX , XXXX the technical issue was suddenly resolved. XXXX XXXX was assigned to th e Borrower and the loan proceeded to move again. The Borrower was required to resubmit all supporting documentation to the loan since all previously submitted documents were now stale. Between XXXX XXXX , XXXX and XXXX XXXX , XXXX additional loan documentation and repeat loan documentation was provide d by Borrower . Durin g such time, XXXX XXXX requested that XXXX XXXX sign the application and we sent an email to XXXX XXXX indicating that all of the information on the application was incorrect ( including the loan officers own name ). During this time, XXXX XXXX began stating that they were waiting for underwriting to make a decision on t he loan ( Regulation B violation ). We kept inquiring as to what this meant since Borrower had been conditionally approved since XXXX . Several times during this process, we would send correspondence with complaints as to how this was being handled and no such complaints were ever addressed ( another regulatory violation ). XXXX XXXX , XXXX Borrower received a c all from XXXX XXXX to discus s how the loan proceeds were to be used. In such conversatio n, Borrower was told that the loan amount would be in the mid $ 300,000s ( below the jumbo loan limit and about {$200000.00} less than the original and revised loan amounts ). Again, all do cuments still included the original loan amount of {$500000.00} and we had correspondence from XXXX XXXX stating Done. Loan amount increased to {$520000.00}. Never had a reduction in the loan amount been discussed. After such conversation, this firm sent a correspondence to XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX XXXX setting forth the violations above and below. Such correspondence included reference to the use of the proceeds ( to pay o ff the private lender and pay down the line of credit ). No action was taken, as with any previous complaints ( regulatory violation ). XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX called Borrower to state that they were unaware of the private lender and that same would change the terms of the loan ( please note above that there were emails dated as far back as XXXX XXXX , XXXX explaining how the proceeds would be used, there was a letter of explanation that was part of the loan file which stated that the proceeds were to be used to pay the private lender and the title commitment provided in XXXX ( and co rrespondence accompanying same ) shows the mortgage to be satisfied by the private lender ). This was further evidence that Chase had not even reviewed the loan documentation provided and had no intention of honoring the loan terms and closing on the loan per the originally committed terms. Please further note that to date, a Lenders Estimate has never been provided. This Lenders behavior amounts to malicious intent and willfu l misconduct. Chases blatant disregard for banking regulations is inexcusable. My Client has suffered extensive damages due to this Banks delays and deceit including, but not limited to, paying higher interest rates on the private loan encumbering her primary home, default rates and penalties on the payoff of the private loan ( due solely to this delay and the fact that the loan has matured, not due to any defaults within the control of the Borrower ), extensive legal fees and costs, repeat costs of updating title and lien searches for closing, a substantial increase in rates which she would have to bear if she can not close on this loan ( which amounts to sums in excess of {$75000.00} over the life of the loan ), etc.. The foregoing does not even include the costs and expenses incurred b y Borrower should the private lender foreclose on the property ( which has more than {$350000.00} in equity and is Borrowers homestead ) due to Chases inexcusable delay tactics. All of the foregoing demonstrate that Chase never had any intention of closing the loan on the original committed terms. When Chase believed they may be forced to close the loan or in a further attempt to have the Borrower walk away, they decided to reduce the loan amount to an amount under a jumbo loan in an effort to curtail the exposure of having to honor a 3.875 % interest rate for a jumbo loan amount of 80 % LTV or in a further effort to have the Borrower walk away. We have correspondence which support all allegations contained herein although we have attached only a few. Please advise if you require same or any additional information. The conduct exhibited by Chase during this transaction is, without question, reprehensible. We kindly ask that as the Bureau charged with protecting consumers financial interests and protecting consumers against unfair, deceptive and abusive practices, you investigate the foregoing, assist us in obtaining a favorable and just resolution for my client, and rem ind Chase th at this behavior, unbecoming of a leading global financial institution, can not be tolerated on this loan or with any other future dealings with consumers. | ||||||
| 12/06/2017 | Yes |
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| this is a follow up from a previous complaint. The case is no close until an final answer is done by a third party. I received a letter dated XXXX XXXX, XXXX as a response from Chase. This complaint shall be taken seriously since discrimination, segregation and predatory lending are in question. I started the application of loan modification beginning of XXXX and until now no answer of approve or denied has been established even all documentation submitted. I did n't submit any feedback in regards to company malpractice. This is what I have been dealing all year round. Obviously Chase does n't take anything seriously and I will address this concern with Superior court for judgement. I have a list of all the relationship manager names that were assigned to my account. I '' m very surprise that Chase could n't find evidence of the 10 different people that I have been dealing with all this year. I can provide Chase and the court with all the names. And yes every different relationship manager had a different answer, opinion and feedback in regards to my loan modification so obviously it has affected my application otherwise it would n't be taken that long as it 's taking. On your letter dated XXXX XXXX, XXXX Chase does n't stated the outcome of the application of the loan modification of deny or approved. It only mention options that they are suggesting for me to apply. According to a federal funded program. we my husband and myself qualify for the principal reduction program : Principal Reduction Program Summary Guidelines 1 PRP 09/2017 1. Program Overview The Principal Reduction Program ( PRP ) is one of CalHFA MACs federallyfunded programs developed with a goal to provide capital to homeowners who have suffered an eligible hardship in order to reduce the outstanding principal balances of qualifying properties with negative equity and/or unaffordable first mortgage payments. PRP will provide monies to reduce the principal balance of the first mortgage in connection with a loan recast, modification or a stand-alone curtailment, each with the purpose of establishing an appropriate level of affordability and/or debt for eligible homeowners with qualifying properties. 2. Program Goals The PRP will reduce the principal balance of first mortgages in cooperation with participating servicers in connection with a loan recast, modification, or a standalone curtailment, to help qualifying homeowners stay in their homes. PRP will help homeowners stay in their homes by ensuring they have an affordable first mortgage payment and an appropriate level of mortgage debt after they receive PRP assistance in accordance with program guidelines. 3. Target Population/ Areas PRP is designed to target low-to-moderate income homeowners and address the needs of a homeowners specific situation in lieu of targeting certain regions or counties. 4. Program Allocation ( Excluding Administrative Expenses ) {>= $1,000,000} 5. Borrower Eligibility Criteria Homeowner qualifies as low-to-moderate income based on per-household income thresholds set forth in the county in which the homeowner resides. Income thresholds are as posted on the Keep Your Home California website. Homeowner completes and signs a Hardship Affidavit / 3rd Party Authorization to document the reason for hardship. Homeowners who have recently encountered a financial hardship due to their military service are eligible. Homeowner has adequate income to sustain post-assistance mortgage payments. ssss Principal Reduction Program Summary Guidelines 2 PRP 09/2017 Homeowners pre-assistance, total monthly first-lien mortgage payment PITI ( principal, interest, taxes and insurance, as applicable ) including any escrowed homeowners association dues or assessments, is greater than 38 % of the gross household income excluding temporary income ( e.g., unemployment or short-term disability benefits ) and/or a homeowners pre-assistance LTV ratio is greater than 100 %. Homeowners post-assistance, total monthly first-lien mortgage payment PITI ( principal, interest, taxes and insurance, as applicable ) including any escrowed homeowners association dues or assessments, must meet CalHFA MACs definition of an Affordable Payment, which means that the homeowners monthly first-lien mortgage payment is no greater than 38 % of the gross household income excluding temporary income ( e.g., unemployment or shortterm disability benefits ). On a case-by-case basis, CalHFA MAC reserves the right to review and approve post-assistance affordable monthly firstlien mortgage parameters greater than 38 %, consistent with CalHFA MAC program guidelines. Delinquent homeowners with a pre-assistance LTV of greater than 100 % but less than 115 % that have a pre-assistance Affordable Payment must be able to demonstrate that an eligible hardship caused their loan to become delinquent ( e.g., reduction of income or increase in unavoidable expenses as per program guidelines ). Homeowner agrees to provide all necessary documentation to satisfy program guidelines within the timeframes established by CalHFA MAC. First Lien mortgage loan must be delinquent or meet the CalHFA MAC definition of imminent default as substantiated by homeowners hardship documentation. General program eligibility is determined by CalHFA MAC based on information received from the homeowner. Program-specific eligibility is determined by CalHFA MAC on a first-come/first-approved basis until program funds and funding reserves have been exhausted. Loan servicer will implement the HHF program based on participation agreement terms and conditions. Principal Reduction Program Summary Guidelines 3 PRP 09/2017 6. Property/Loan Eligibility Criteria Current, unpaid principal balance ( UPB ) ( includes the interest-bearing unpaid principal balance and any existing non-interest bearing forbearance balance ) of the first-lien mortgage loan is not greater than {$720000.00}. The property securing the first-lien mortgage loan must not be abandoned, vacant or condemned. The applicant must own and occupy the single family, 1-4 unit home ( an attached or detached house or a condominium unit ) located in California and it must be their primary residence. Mobile homes are eligible if they are permanently affixed to the real property that is secured by the first lien. A pre-assistance loan-to-value ( LTV ) ratio of 115 % or greater is considered a hardship indicative of imminent default. If a qualifying, first-lien mortgage loan is delinquent, the servicer must utilize the PRP monies to bring the first-lien mortgage loan current before applying PRP monies to the homeowners principal balance. The servicer will reduce the qualifying principal balance in conjunction with a loan recast or loan modification in the amount needed ( up to the maximum per household assistance ) to help the homeowner establish an appropriate level of affordability and mortgage debt per CalHFA MAC guidelines. Such loan recasts or modifications must meet the CalHFA MAC modification and program guidelines. Servicer may apply PRP monies as a stand-alone curtailment to reduce the homeowners UPB in order to help the homeowner establish an appropriate level of mortgage debt as determined by CalHFA MAC only when all five of the following conditions exist : - Pre-assistance LTV ratio is 115 % or greater, - Such homeowner must not have assets ( excluding retirement assets ) equal to or greater than the amount of PRP assistance, - First mortgage loan is current with no more than one 30-day late payment in the previous 12 months, - Post-assistance mortgage payment meets CalHFA MACs definition of an Affordable Payment, and - Post-assistance LTV ratio is greater than 100 %. Loans in foreclosure may be eligible. Principal Reduction Program Summary Guidelines 4 PRP 09/2017 7. Program Exclusions Homeowner has a subordinate lien that is in foreclosure as evidenced by a recorded NOD or Notice of Trustees Sale ( NOS ). Homeowner is in active bankruptcy. Homeowners who have previously filed bankruptcy are eligible for consideration only with proof of court order " Dismissal '' or " Discharge. '' Homeowner fails to satisfy lender underwriting guidelines. Homeowners post-assistance LTV ratio is greater than 140 % or less than 100 %. Post-assistance LTV ratio may be less than 100 % only if it is necessary in order to provide the homeowner an Affordable Payment. Homeowners pre-assistance total monthly first-lien mortgage payment PITI ( principal, interest, taxes and insurance, as applicable ) and any escrowed homeowners association dues or assessments, as applicable, calculated on the UPB, is less than 25 % of the homeowners gross monthly household income, excluding temporary income ( e.g., unemployment and shortterm disability benefits ), as determined by CalHFA MAC at the time of a homeowners application for assistance. Homeowners with a post-assistance LTV ratio of les and you can find more information at the following link http : //keepyourhomecalifornia.org/app/uploads/2017/09/PRP-Termsheet-09-2017-1.pdf As the loan modification program is a program funded by federal agencies and the primary goal of the program is to assist homeowners who are facing a hardship situation with their mortgage. On our first application I stated that we do n't have income because we do n't income. So Chase say that I do n't qualify for assistance program because I do n't have income. So how this loan modification program suppose to help a borrower if they are facing hardship as no income or employment. Then we submitted another application stating that I 'm making {$500.00} because I 'm doing all kind of jobs so I can proof income to Chase. I submitted documentation asked about it. And now Chase does n't want to approve my loan modification no because income because other reasons. I had a recorded message that I had with a chase employee who was going to deny my loan modification application because they assume that my husband was n't in town and he needed to sign some documents and because of that they could n't move forward. Then I had to scream and fight about it and say that I will have him sign and thus no for their concern to worry about it. I will sign and my husband any document require as long as we move forward. Then Chase came out with another excuse to no continue with my loan modification because of proof of occupancy. I submitted an energy bill as Chase employee told me to submit one. Then they did n't want accept this because of no reason. Then I submitted a DMV registration as my proof of occupancy and the Chase employee told me that they were no considering that because it has my husband name only and they wanted both of our names. In your letter you are saying that my DMV records is no a proof because it is a bill and no actual registration. So now I 'm getting the registration in a week and you better approve it once received. I submitted a property tax bill and yes it was handwritten address because my mail goes to my parents home since I 'm XXXX and XXXX XXXX XXXX person. Then I submitted another property tax bill no handwritten notes and Chase still denied my proof of occupancy even though the property tax bill clearly stated that I 'm homeowner exemption. This exemption is only applicable if you are a homeowner that lives at the property. Obviously Chase employees do n't know how to read a property tax bill. And by the way this is a bill same as DMV bill. We are very frustrated with Chase actions, discrimination, allegations, and no complying with the law and regulations. We are demanding an approval of the principal reduction. I wo n't stop until justice is made. I will contact president Trump, the superior court, the news and whomever I need in order to have closure. | ||||||
| 02/10/2019 | Yes |
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| It all starts with Chase and their communication or lack thereof I have had a relationship with Chase for 14 years between personal credit cards checking accounts and credit cards for my business And early XX/XX/XXXX I learned of fraud on a personal credit card when I was in the process of a balance transfer. Chase issued me a temporary credit and needed to investigate I was confident that these three charges totaling {$1200.00} would be refunded permanently so I continued with my balance transfer. At this time thinking I'm being proactive I include a balance transfer of {$1200.00} from my business credit card with Chase assuming I'm going to get this {$1200.00} back from Chase eventually In XX/XX/XXXX I went into a branch because I thought it was important to speak to someone in person I wanted to discuss the fraud on the personal account and what my options would be with that {$1200.00} I had a negative {$1200.00} balance at this time but I wasn't able to get any information about the fraud credit status. I also asked about the status of my business credit card at this time wish I was told by the teller my next due date wasn't until XX/XX/XXXX. This made sense because the monthly payments were usually around {$600.00} and I know there was a {$1200.00} payment made in XX/XX/XXXX so I didn't question the teller I assumed XX/XX/XXXX and XX/XX/XXXX were paid and my next payment was due in XX/XX/XXXX like the teller said the teller then suggested I do a cash advance on the personal credit card to take it from a negative {$1200.00} to a XXXX balance she advised me there would be no fee or charge for this transaction. I went along with her suggestion took the {$1200.00} went to a local credit union transfer the money and paid off {$1200.00} towards that balance transfer from early XX/XX/XXXX. Later in XX/XX/XXXX I learned that the teller was wrong and all cash advance transactions have fees and interest associated with them even if they are bringing the card to a XXXX balance I was able to discuss this was Chase over the phone and they refunded all money I was charged I didn't think that the teller could have made more than one mistake that day in XX/XX/XXXX in the branch but she did In XX/XX/XXXX I receive a letter stating that the fraudulent charges or verified and credit will become permanent I called Chase to verify this and it takes me 5 minutes to get through to a person because the system does not recognize my phone number I don't think anything of it until I speak to a person and they tell me that my credit card was closed the day before this was on XX/XX/XXXX they tell me that my credit card have been closed on the XX/XX/XXXX for delinquency this is a big shock to me we have about an hour long conversation that covers the fraud of the confusion the teller telling me my account was fine and I didn't have a payment due until XX/XX/XXXX she asked alates the situation to a supervisor and then speak to her for about 30 minutes and she seems very confident they will be able to solve this matter and reactivate the account during both conversations neither representative is able to pull up my account easily I have a few credit cards with Chase but it seems there's a big difference with the personal credit cards and business credit card and anything that happens in a branch because no one can see everything that happened it's a brand new person each time I talk to them and I need to start from the beginning explaining the whole story Today I have spoke to over 21 individuals with Chase I've spent over eight hours on the phone with Chase I've had two face-to-face meetings with the branch manager who is a very nice guy his name is XXXX XXXX and he works in the XXXX XXXX branch the address is XXXX XXXX XXXX XXXX XXXX in XXXX Arizona XXXX XXXX has put in great effort trying to help me during our first meeting he asked the teller that helped me back and XX/XX/XXXX about the conversation we had she did not recall the conversation or helping me and there's no way for him to look up what happened in the computer but he did ask her hypothetically if someone took a cash advance on a credit card that had a negative balance and took the amount that would bring that card to a XXXX balance would there be any fees or charges and she incorrectly answered no there would not be he explain to her and now she is aware of how that works but it was a good starting point. Going further into detail XXXX made several phone calls on my behalf and some shocking information was revealed that it in fact was probably not the tellers are and it was probably the systems are he was unable to see hardly any credit card information at all he was not able to see payments that had been made and he said is very likely that on XX/XX/XXXX or so when I asked the teller about my business credit card that she in fact looked at the credit card and it did show the account was current and the next payment was not due until XX/XX/XXXX he he said it is very likely that it was not her error at all he advised me he would be submitting a ticket to get this corrected and looked at he looked at any more current transaction where I made a large payment in XX/XX/XXXX to get the account current I believe it was 15 to {$1700.00} and he was not able to see that charge I was able to show him on my bank account that the payment was made but he was not able to see this payment yes collated the call explain it in great detail and I left feeling good about the progress we made and I received a call about 5 days later The call I received was from a real nice lady named XXXX but right away she advised me that this dispute and this escalation Department was the wrong Department and they needed to transfer me back over to the credit card department once I was transferred over the supervisor took her time with me and heard the whole story and she said she was capable of reactivating the account but she did not have any documentation in there none of the previous phone calls had left notes in my system that she could see even the notes XXXX the branch manager left or not visible to her so at this time she asked me to get a letter from the branch manager stating what happened that it was very likely I was giving incorrect information because of a system malfunction or a system just giving wrong information I called XXXX immediately and asked him for this letter and he said he is not allowed to issue this letter. This is started to become frustrated at this point so I set up a meeting with XXXX to see him again and I make sure I get someone on the phone who is a manager who is capable of reactivating the account with the credit card department at this time we have a conference call on speakerphone in his office and he's able to explain everything to her she again can not see a single note neither can he there is very little information available to anyone about this matter and we continue on with another attempt that includes emails from XXXX to the manager or supervisor in the credit card department she then forwards that up and says I should expect to get a call within a day or two and she's very confident that we can open the account back up I never heard again I've called twice on this matter since and it's like the conversations never happened At this point my credit has been hit I lost over 160 points on my credit score because I had these delinquencies reported and the account closed I am in the process of looking to purchase a home this credit reporting has brought my score from the high 700 and 800 which I can provide documentation down to the six hundred and taking me out of eligibility for a down payment assistance program that I worked really hard to qualify for. I have lost all confidence in Chase and I don't honestly blame the people on the phones or in the branches because they honestly don't have access to this information it's the people that do have the ability to make an unfortunate situation right those individuals did not do that because they did not have documentation of what happened they couldn't take my word for it it's not like it hurt Chase to help out a longtime customer and give me the benefit of the doubt We did dig very deep and it looks like earlier in XX/XX/2018 a payment was short of the minimum payment due because a promotion at rolled off and different interest in fees were being charged I was never aware of this and I have communicated with Chase several times but I was never aware of this charge that continue to roll over and that's why when the large payment in XX/XX/XXXX was made it didn't get me a head and take me up until XX/XX/XXXX it actually didn't even catch me up yet for XX/XX/XXXX now there have been several phone calls and one visit to the branch in XX/XX/XXXX to clarify everything that was the whole point of that visit to clarify the fraud and what my options would be with the credit on my personal credit card and when my next payment was due on the business credit card there's nothing else I could do at that point but take the teller at her word but it sounds like it wasn't to tell her it sounds like it was the system that currently is not up to date these are not my words these are a branch managers words I need to add that I did reach out to an attorney for advice and the attorney said call Chase they should be able to fix this without any problems it sounds like an honest mistake and a bad scary situation but it should be correctable I told her how these last two months have gone and she suggested writing a letter with a timeline breaking down very clearly what happened because it is confusing and when she sent this letter Chase changed my accounts and put them under her name change my address put it under her company 's address which is the attorney office somewhere in XXXX or XXXX Arizona and changed the email so that only was the letter not read and nothing was corrected but now my account had changes made to it making it harder for me to do things like call in make a payment Etc nowhere in that letter which I can provide does it say she's representing me it's just offering a solution and an explanation to what happened I then had to call her to write another letter to get everything changed back to my name and my address all of the alerts come in at XXXX or XXXX in the morning and here we are not had any luck I have not had any phone calls and I'm not surprised because Chase was not able to add my phone number to this account the branch manager was not able to do it nobody over the phone was able to do this and the notes with my phone number are never visible to the next person I speak to it's like a bad dream but my credit has been hit 10 years of working my XXXX off to keep my score as high as possible and one mistake from the teller or the system or whatever but one mistake that I can not take credit for and I'm now making phone calls on a regular basis with attorneys trying to figure out what my options are since I've been damaged to the point that I can no longer purchase the same house that I had planned. I don't understand why it gets to this point this could have been corrected immediately there could have been a phone call made at any time I don't blame the teller I blame the system all I want is the car to be reactivated so my credit score does not show a closed account all the fees associated with these late payments that I never knew about have been refunded to the account everybody I've talked to Believes In Me but nobody knows how to fix it I don't know what to do at this point if there's anything you can suggest I have documentation to backup everything and I apologize for our confusing it probably is to read | ||||||
| 01/11/2023 | Yes |
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| Thank you for helping us! Having {$200000.00} stolen from our Chase bank account has been devastating to our family. We have been saving for years to build a home and this was our earnest money from selling our house. My husband and I have been working every extra shift we can possibly get and have been saving and making sacrifices to achieve our goals. This is honest, hardworking money that was taken from us. We have been doing everything we can to recover our money. We will continue to do as much legwork as we can. We are supposed to close on our home next month and are trying to make other loan arrangements, so we don't lose our house. We are grateful for what we have and know there are others in the world in far worse shape, but we would be so extremely grateful to Chase if they could please replace our money stolen from our account. We are desperate for help and will do everything we can to help this process. We just want you to know how grateful we are to you and your team!!! I have included some information as well as attached all documents I have that hopefully will be of some help. Please reach out to me ANYTIME with any questions you may have! THANK YOU! 1. Company Name : JP Morgan Chase Bank 2. XXXX Fraudulent Wire Transfers occurred from my Chase account on XX/XX/2022 and XX/XX/2022 for a total of {$200000.00}. a. {$25000.00} to XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2022 b. {$35000.00} to XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2022 XXXX {$40000.00} to XXXX XXXX XXXX in XXXX XXXX, XXXX on XX/XX/2022 XXXX {$25000.00} to XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2022 XXXX {$35000.00} to XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2022 XXXX {$40000.00} to XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2022 Timeline of events : XXXX. XX/XX/XXXX ( Thursday ) : I received a call from " Chase Fraud '' at XXXX from the number ( XXXX ) XXXX. I was asked if I made a wire transfer transaction of {$25000.00} to a XXXX XXXX XXXX. I said absolutely not. I then asked them who they were and where they were calling from to be sure I was talking with Chase Bank. They said we're calling from Chase Bank Fraud department and that the number they were calling from is the same number on the back on my debit card. I then looked at my card and compared the number, and it was the same. I asked them to call me back in XXXX minutes. I then hung up and redialed the number that they called me from. It went to the Chase Bank automated system, so I figured it was the actual Chase Bank. From that moment on, I didn't think this wasn't Chase because I had done my due diligence in checking the number. I did not give them any personal information. They then kept me on the phone until almost XXXX while they completed what they called " wire transfer reversals ''. They were using Chase lingo like " back office '' and transferring me to their supervisor for certain steps of the " reversal '' that it felt very organized, smooth, and correct. If I questioned what they were doing or any other question about the process, they texted me what they called one-time codes, but they were just a few numbers from a random phone number. The text did not come from Chase or have any other description within the text, for instance stating it was a onetime code or that Chase never asks for the code like the texts I have gotten from Chase over the years when there is a legitimate transaction in question. The fake fraud people said there were XXXX wire transfer attempts of ( {$25000.00}, {$35000.00} and {$40000.00} ) that were made on my account and in order to stop the money from leaving my account, they needed to perform these " wire reversals '' for each transfer. They kept me on hold for hours, checking in with me periodically. They told me I would see the money leave my account but continuously assured me that he could see the money and that it was in " holding '' and it would be released back into my account after the reversals were completed. By the end of Thursday, he said the reversals all looked good and that before they could release the money back into my account, they needed to do a virus scan to make sure my account was clean because it'd been hacked. They said the process takes many hours and that they'd call me back first thing in the morning. Looking back, my best guess for them contacting me at all was to keep me preoccupied on the phone while these fraudulent transfers were done so I wouldnt have the chance to call or go into the actual Chase branch to see what was going on. XXXX. XX/XX/XXXX ( Friday ) : I received a call back from " Chase Fraud '' at XXXX from the same number as yesterday, ( XXXX ) XXXX. It was XXXX of the same men that I was talking to the day before. He stated that the virus scan was completed and that there were XXXX different viruses detected on my account. He then said that because of this, the " Wire-reversals '' that were attempted yesterday didn't end up processing and that he needed to do them again. I was then kept on the phone with them for another XXXX hours and XXXX minutes while they did these reversals. By about XXXX they said that all the reversals were completed and that now they needed to reset my account and then the money would be released from hold and placed back in my account. Again, they reassured me that the money wasn't gone but was in holding. I was on hold with them and I happened to go into my profile in my Chase app and I saw a phone number in my account that I didn't recognize. I told them that there was an unfamiliar phone number in my account, and they said I couldn't take it off from my app but that they'd take care of it. Right then, it disappeared. After another XXXX hours on hold, I started to feel that something wasn't right. They kept saying they could call me back when the process was completed, but I felt like I didn't want to hang up in case the next Chase representative didn't know what was going on and I didn't want to lose our money. By XXXX. I decided I needed to call Chase myself and check to see what was taking so long. I told the man on the phone to call me back in XXXX minutes ( which of course he didn't, and I haven't heard from him since ), and I DIALED ( XXXX ) XXXX and then the Chase Fraud department at XXXX. While talking with the actual Chase Fraud Representative, she asked me " what do you mean by " wire reversals ''? It was at that moment that I realized this was all fraud! We then spent the next XXXX hours on the phone with Chase Fraud Claims filing claims for each of the XXXX fraudulent wire transactions. They told us that they would mail an " Unauthorized Signature or Forged Item Declaration '' form for us to fill out. They said we would receive it in a couple business days ( Tuesday, it didnt come until 10 days later ). We asked if it could be faxed or emailed so we could complete it quicker, but they said it had to be mailed. We also called XXXX, XXXX, and XXXX and had our credit frozen. XXXX. XX/XX/XXXX ( Saturday ) : My husband and I went into our local Chase Branch at XXXX. We wanted to talk with a Chase Representative face to face and make sure we have done all we can do. We talked with XXXX who called the Chase Fraud department himself to check on our claim. He also asked if he could have the forgery paperwork faxed to the Chase branch, but again was told it has to be in the mail. XXXX printed off all XXXX fraudulent wire transfer transaction details documents for us, which I have attached to this email. XXXX of the transactions went to XXXX XXXX XXXX, and the other XXXX went to XXXX XXXX XXXX XXXX. My husband contacted the XXXX XXXX Police Department and filed a case with them. We have been given a detective to work on our case. I have attached the police report. The detective has since sent subpoenas to all the receiving banks of the fraudulent wire transfers. XXXX. XX/XX/XXXX ( Tuesday ) : I called Chase Fraud to check on our claims, and I was told that our claim has been denied and our claim has been closed! I told them my phone number had been changed and they were receiving the calls/texts from Chase and THEY were verifying the transactions, not ME! After a few more hours on the phone with Chase feeling like I was getting the runaround, I was able to talk with someone who advised me to call corporate for help. She said this was my last hope. She also said I should go into XXXX XXXX and XXXX XXXX XXXX branches and ask if they could help track down the transactions. I did this, but they were unable to help me because I don't have an account with either of those banks. I also called the fraud department at XXXX XXXX and was told the same thing. This has been hours and hours and days of getting nowhere. I went into our local Chase Branch again and was able to speak with the bank XXXX, XXXX. She called the claims department and was told the same thing, however they told her that she could print off the forgery paperwork in her office! She did and we filled it out and faxed it back right then ( the paperwork didn't end up coming in the mail until XX/XX/XXXX ). XXXX also called the Chase Corporate number and was able to talk with XXXX who was kind enough to start a new case for us. XXXX. For the rest of the days until now, we have been in almost daily contact with XXXX XXXX and the Chase Corporate representatives for my claim. I'm trying to stay proactive and do the legwork that I can do to save you time and give you the information I can find. I was able to find more information about the wire transactions from my Chase App. I was able to cross reference them with the transaction details from Chase Bank through matching reference numbers with XXXX numbers for XXXX XXXX and matching message to recipient with XXXX REF and matching reference number with SSN for XXXX XXXX XXXX. I have used the secure message section in my Chase App to converse with Chases wire transfer team. I have faxed Letters of XXXX multiple times to all the receiving banks. I have received messages through the secure message app stating I need to send the XXXX XXXX XXXX on the XXXX XXXX XXXX although the XXXX of my local Chase branch, the wire transfer team, and I am unable to get XXXX XXXX to send the template they request. In fact, XXXX XXXX fraud team says the template requested doesnt exist. Also, the number that was given to me to call Chases wire transfer team does not work. When I call it, it says it is having technical difficulties and then it disconnects. The number is XXXX. Just another example of the run around I am getting from Chase and the receiving banks. I have once again reached a dead end. Chase has had ample opportunity to do the right thing, which would be to replace the {$200000.00} fraudulently stolen from my account. It is absolutely appalling to me that Chase could allow this to happen. I have never performed any wire transfers within the 7 years of banking with Chase. Wire transfers is a very unusual activity, let alone the huge amounts that were performed, XXXX of them over XXXX days totaling {$20000.00}! I have spoken with other banking institutions, and their wire transfer process consists of denying the costumer the ability to transfer such amounts online. They require their costumers to come into the branch to do these types of transactions. Unfortunately, legal and other means is now required. Attachments : XXXX. XXXX XXXX XXXX phone records for XX/XX/XXXX and XXXX showing the fraudulent Chase calls. 2. Transaction details from Chase Bank with corresponding transaction details from Chase App. 3. Forgery paperwork from Chase 4. Official denial letter from Chase 5. Police Report 6. Letters of XXXX for receiving banks Thank you so much! | ||||||
| 07/19/2022 | Yes |
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| In the second week of XXXX, I went looking for websites that have remote job positions To be more specific data entry jobs ( I currently work retail so I was looking for a job that I could do from my home and save a little bit of money on Transportation because I take the bus to go to my current job ) so I could apply to the two of these websites were XXXX and XXXX immediately after making an account on both of these websites and posting my resume I received numerous emails and text messages but it wasn't until XX/XX/XXXX that I responded to 1 text message coming from the number XXXX ( XXXX ) XXXX Someone by the name of XXXX XXXX told me that they saw my resume on XXXX and would like to interview me for their open remote position at XXXX and that all I would need to do is download this app Called XXXX XXXX to start the process. I downloaded the app and began talking with someone that goes by XXXX XXXX XXXX ( XXXX ) XXXX. I began talking with XXXX XXXX ( XXXX ) XXXX and he explained to me what the position was and what I would be doing for that position ( XXXX XXXX ) after that we had a regular interview that did not seem suspicious at the time and he was asking me actual questions That would be comment for an everyday interview. XXXX XXXX ( XXXX ) XXXX told me to give him a couple of minutes while he talked to some people about possibly hiring me 40 minutes to an hour later he came back to the chat and said that I was hired to end then he told me that I would need some equipment to begin working for the company XXXX He said to me that the company would put provide me with the equipment he then asked me what is my email address because they would email ( XXXX ) me a check for {$1400.00} and what I would have to do is resize and print the check then use chase quick deposit it into my chase account and XXXX someone by the name of XXXX XXXX ( XXXX email : XXXX ) Who is in charge of providing equipment to the XXXX company to pay for the equipment he also told me that they would later send me a physical check in the mail to my address and that {$150.00} would be my sign-on bonus. It was at this moment that I thought to myself what if this is a possible scam so I did what anyone would have done in my position I XXXX the company I XXXX the address ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) and it matched the address that he told me at the beginning of the conversation I looked at their official website and at the time it looked legit ( But if you look longer at the website and carefully looking over you can tell that it looks like it was made from generic XXXX image photos ) also I found them on XXXX and I found them on XXXX and I found them on XXXX and I found them on XXXX I also double check to see that the equipment that he said I would be getting was actual equipment via XXXX which it checked out and was getting real equipment so at this point I was felt reassured. I then deposited the resize check into my Chase account at first Chase only approve me for {$500.00} and said that the rest would be processed tomorrow. I sent them {$500.00} to XXXX XXXX ( XXXX email : XXXX ) and provided XXXX XXXX ( XXXX ) XXXX with screenshots as he asked in the conversation prior he told me that the company XXXX wanted to know if I was willing to make the next {$900.00} payment for the equipment but I told him that since the check did not clear yet it would come out of my personal funds and that I do not feel comfortable sending my personal funds but I will send the {$900.00} the minute the check clears the next day I then told him to have a good day because I have work tomorrow and I won't be able to answer until XXXX XXXX. I woke up the following day and continued the conversation with XXXX XXXX ( XXXX ) XXXX he asked me how my day was and I said it was fine and if I have eaten yet and I said yes he then asked me to continue with the payment I was supposed to send {$900.00} to the same person XXXX XXXX ( XXXX email : XXXX ) and once again provide screenshots I did so but Chase had put a hold on these ultimate I told him that there was a hold on it and he asked me to send a screenshot and I did he then asked me to send {$500.00} to the same person XXXX XXXX ( XXXX email : XXXX ) At this point I did not take a moment to look at my bank account because if I did I would have realized that even though Chase did not approve the XXXX payment they still took the money out of my account so I ended up sending this person XXXX XXXX ( XXXX email : XXXX ) an additional {$500.00} out of my personal funds. At this point, I told XXXX XXXX ( XXXX ) XXXX that I will no longer be able to talk to him because I needed to go to work and I would most likely have connection issues he told me that was okay and to have a nice day up until this point I did not think anything was wrong until I told my co-workers about the situation and they told me to be careful because people get scammed that way at that point I start to feel a little worried but I try to keep positive when I returned home I sat down and I started to think I did the math and I realized the {$500.00} plus the {$900.00} totals to {$1400.00} and that technically I did not get the {$150.00} sign on bonus that he told me I would get I explained this Situation to XXXX and I told him that I also accidentally sent him an additional {$500.00} he then said to me that the prior two payments were not enough for the equipment and that instead of getting a desktop I would be getting a XXXX and that he would be sending me another check totaling {$2100.00} for me to deposit into my Chase account and this check would contain a {$200.00} sign-on bonus and my returned personal funds of {$500.00}. I deposited the check via quick deposit into my Chase account but Chase put it on hold until XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX told me that's no problem and that I should keep him updated as to when the funds were deposited into my account at this point I was starting to worry. I updated my co-workers on the issue and they told me to go straight to my bank and if I properly explain the situation that should be able to help me. I don't remember what day I called Chase but I do remember that it was in the last week of XXXX I explained to them my situation and the woman that helped me told me that she would make a case file for me. I am a very particular person and I like to have all evidence and facts should I have a problem so I asked her if there was an email or anything else that I can send extra information about the scam that I am a victim of She then told me I can I have two options option 1 : one I can fax the information over or option number 2 : mail it to their po box I first tried faxing the information over because I thought it seemed faster but I met some problems and I didn't know how to properly fax ( I was never taught and I never learned how to so ) the following day I decided to go to my closest post office But before I went to the post office I went to my closest Chase branch and I asked them if there was any way they could help me right now instead of waiting for my information to reach the chase po box they told me they couldn't help me but that I should do a certified mail receipt just to be sure chase receives the evidence when I reached the post office I did the certified mail receipt {$3.00} and I payed {$26.00} for next day shipping at the same when I reach the post office I Got a notification from my Chase account that the first check from the XXXX company bounced and because it bounced the funds were taken out of my account and chase also charged me a bounced check fee ( {$12.00} ) Putting my account in the negative left. since I had such a bad feeling early on I took the rest of my funds and put them in my savings account so it wasn't immediately taken out of my Chase College checking account At this point I started to panic I didn't really know what else to do I tried contacting Chase again s to see if there was anything else that they can do for me but it ended up I end up being told by another Chase associate that the only way that I can fix the bounced check issue is that I need to go back to the same people and get a legit check which didn't make any sense to me because they were scammers and I did make sure to tell the customer service representative they were scammers so chances are they wouldn't give me legit check To fix my bounced check issue and my account being in the negative issue. It was at this point that I most definitely knew I was being scammed I once again try to contact XXXX XXXX by telling him that my second check is still being put on hold but I'm more than willing to To receive funds via XXXX not a check because XXXX is currently unable to accept checks in New York state but as a direct payment I was trying to at least get some of my money back. Fast forward a couple of days later I had to pay the negative balance in my Chase College checking account unless I wanted my account to close. XXXX mysteriously decided to close/disconnect their account on XXXX XXXX. I've tried once again numerous times contacting Chase to see if they could at least help me get some of my funds back but they told me that they can't/wont/were unable to get my funds back from this person or people ( Between the three names 2 phone numbers and multiple emails I am unsure if this is one person or multiple people running this ) so this is my last chance of possibly getting my {$1900.00} back. On XX/XX/XXXX I made a formal complaint to XXXX XXXX 's District Attorney 's office the next day I did get a call back from someone at the office that told me the attorney who's going to be on my case ( Attorney XXXX ) and the detective that was going to be on my case ( Detective XXXX ) and they asked me for additional information about my situation. A couple of days after that call back I would say 2 to 3 I got a call from detective XXXX and he explained to me why the check bounced apparently it was missing a series of numbers at the bottom of the check and that I should not to blame myself on the situation he then told me what he would do to continue this process. On XX/XX/XXXX I did call the detective on my case to get an update about my situation and he sadly informed me that three out of the four numbers were connected outside of the United States which they do not have jurisdiction over and the fourth number is connected to an XXXX account and hopefully that is connected to a bank account But as time goes on It looks like there's just a high chance that I won't get my money back and that I should accept it and move on I currently work a minimum wage job and I've been working as much as I can to save up money to try and fix my issue but it's hard I graduated in XXXX from XXXX XXXX XXXX so this whole situation was like a terrible graduation gift and I will start XXXX XXXX XXXX this upcoming XXXX This money was supposed to be put towards textbooks and transportation at this point I don't know what else to do and who else to turn to. To sum it up on the first day of the situation I sent XXXX XXXX {$500.00} then on the second day I sent him {$900.00} with an additional {$500.00} by mistake and then after the check bounced I was charged {$12.00} totaling up to {$1900.00}. ( I also have XXXX screenshots of the conversation I had with XXXX XXXX if you need me to send it to you via email for more proof I am more than willing to do that I sadly was not able to include it in this complaint because it's only allowing me to attach one. Also, the account that is associated with the Screen Shot is close down and I open a new account with the same thing for safety purposes ) | ||||||
| 06/01/2018 | Yes |
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Web | Servicemember |
| I have recently been made aware by an attorney of the legal definition and term successor in interest and the regulations of the CFPB regarding how mortgage servicers are required to treat people who appear to quality as such. Given this new knowledge and insight, I hereby assert that JPMorgan Chase has failed to properly recognize, identify, and treat me and my wife as successors in interest in the property we inherited through the last will and testament of my father, a veteran who died in XX/XX/XXXX. This property has a VA mortgage that has been serviced by JPMorgan Chase since my father purchased the residence. Chase did not notify us of our legal rights as successors in interest under the law when given proof of our qualifications in XX/XX/XXXX ( my fathers will and death certificate ), nor did Chase provide us with an opportunity to formally declare ourselves as successors in interest by sending us the necessary documents as required by law. We were not aware of the term successors in interest and the legal rights that are provided to such designees through federal law and CFPB regulations when my father died in XX/XX/XXXX, so we obviously did not know to ask Chase representatives about the formal application process. However, Chase representatives were required by CFPB regulations to recognize people who do meet the qualifying criteria for successors in interest, and they knew we met that criteria as far back as XX/XX/XXXX, but they did not inform us of that fact as required by the CFPB. The Consumer Financial Protection Bureau rules since XX/XX/XXXX ( in effect at the time of my fathers death ) require mortgage servicers to have policies and procedures in place to promptly identify and communicate with family members, heirs, or other parties, known as successors in interest who have a legal interest in the home ( Source : Consumer Financial Protection Bureau : https : //www.federalregister.govXXXX ). The Consumer Financial Protection Bureau amended their rules in XX/XX/XXXX and XX/XX/XXXX to broaden and strengthen the legal protections afforded to successors in interest. Chase, through its reckless handling of our situation and failure to properly identify us as successors in interest, did deprive us ( since XX/XX/XXXX ) of our legal rights and options relative to our inherited property under CFPB rules and Section 1463 of the Dodd-Frank Act section 6 ( k ) ( 1 ) ( B-D ) of the Real Estate Settlement Procedures Act ( Regulation X ). We informed Chase in the late summer of XX/XX/XXXX that we inherited a property with a Chase serviced VA mortgage through the Last Will and Testament of the mortgagor, my father. We provided Chase with a copy of his will and death certificate to verify this fact. Chase was additionally informed of this fact at least thirty more documented times by phone, letter, and fax during XX/XX/XXXX-XX/XX/XXXX. A long-awaited deed of assent from the Estate executor was provided to us inXX/XX/XXXX, and we immediately submitted it to Chase, thereby providing them with even more proof of our qualifying status as successors in interest. Chase, however, responded to us by attempting to foreclose on the property in XX/XX/XXXX for the second time. Chase representatives began to refuse all communication with us about the specifics of my fathers mortgage on our inherited property soon after we notified them of my fathers death in XX/XX/XXXX. We obtained an attorney speak to Chase representatives on XX/XX/XXXX via conference call to rectify this problem, but even she was successful. Chase representatives at XXXX refused to speak with me and my wife on that date or provide any information to us about the mortgage despite Chase having documentation ( my fathers will and death certificate ) at that time which clearly showed that we indeed qualified as successors in interest. Chase had a clear legal obligation to inform us of our rights as successors in interest, treat us accordingly, share with us my fathers account information, and accept our mortgage payments. Per existing CFPB regulations, we were legally entitled to speak to Chase about all matters related to the mortgage and property. Furthermore, Chase began refusing our monthly mortgage payments during this time. As a result, Chase willfully placed the mortgage on our inherited property in arrears and forced us to file bankruptcy twice for the sole purpose of stopping two improper and unnecessary foreclosure attempts ( one in XX/XX/XXXX, and another in XX/XX/XXXX ). Nonetheless, over the past year we have continued to communicate information and provide documents to Chase which should have been recognized as meeting the criteria for our qualifying as successors in interest. We dealt primarily with two different people ( not sure if they are real ) who referred to themselves as our dedicated relationship manager in letters. These two people first contacted my bankruptcy attorney via USPS mail in the fall of XX/XX/XXXX. They sent to my attorney Request for Mortgage Assistance forms for us to complete and submit to Chase, which we promptly did in XX/XX/XXXX and XX/XX/XXXX. As a result, these two people at Chase, if they truly exist, have personally been aware of our qualifying status as successors in interest in this property ( our only home ) for many months, but they too failed to notify us of this fact and have not treated us in the manner required by existing CFPB regulations. In spite of multiple submissions of Request for Mortgage Assistance applications and required documentation to Chase in multiple formats ( mail, fax, etc. ) during XX/XX/XXXX, Chase failed to acknowledge receipt of those documents. We submitted these applications and required documentation to their designated address in Colorado via USPS mail in XX/XX/XXXX and via USPS certified mail on XX/XX/XXXX. Each of our application submissions to Chase by mail was subsequently followed up by sending our application and all associated documents with the appropriate cover letter and affixed loan number to Chase via fax to XXXX according to directions provided with the application materials. Overall, we made more than one dozen attempts to communicate with Chase representatives during XX/XX/XXXX, and in every instance it should have been obvious from our letters, voicemails, and faxes that we met the criteria to be considered legitimate successors in interest. In XX/XX/XXXX, Chase, through its law firm, contacted the executor of my fathers estate to inform him of their intent to foreclose on our inherited property again on XX/XX/XXXX. The executor did not forward to us this letter, but we did find out about it through other means a few weeks later. Consequently, we immediately contacted the law firm and brought to their attention the fact that never informed us ( me and my wife ), the actual property owners, of the foreclosure ( only the Estate Executor ) and as a result their scheduled foreclosure action was in violation of state laws. I also provided the law firm with a copy of our deed of assent to confirm our ownership of this property. A few days later I received a response from the law firm stating that Chase had never informed them about us being the true owners of the property, and that Chase had not made them aware of our deed of assent from XX/XX/XXXX. As a result, Chases law firm cancelled the XX/XX/XXXX foreclosure and rescheduled it for XX/XX/XXXX. We began making plans to address the XX/XX/XXXX foreclosure attempt by Chase until we were informed by our dedicated relationship manager in a letter dated XX/XX/XXXX that she had rescheduled the foreclosure for XX/XX/XXXX. With this revised date we then proceeded to work with our attorneys to prepare our legal recourse based on that timeline, but it soon became clear that this latest attempt by Chase to foreclose on our home would also be wrongful and invalid by state laws. The foreclosure proceedings were never published in the official county newspaper for four weeks prior as specified by state law, and state laws regarding proper notification of the real owners of the property had not been followed either. In spite of these facts, the repeated foreclosure attempts by Chase ( 3 in XX/XX/XXXX so far ) and letters they have sent us have been very confusing, totally improper, and equate to nothing short of harassment. Furthermore, at no time during this period did Chase acknowledge receipt of our Request for Mortgage Assistance applications from XX/XX/XXXX even though we have mail tracking confirmation of their receipt. My wife and I complained about these on-going issues with Chase to our advocate within the U.S. Department of Veterans Affairs in Washington, D.C. who was referred to us by The Office of the White House. She subsequently advised us to re-submit our Request for Mortgage Assistance form and all required documents to Chase once more, which we did on XX/XX/XXXX via USPS Certified Mail. It too was received by Chase at their office in XXXX Colorado on XX/XX/XXXX according to USPS tracking. Incomprehensibly though, Chase once more failed to acknowledged receipt of this application even though we have proof of its delivery and receipt by Chase through USPS certified mail tracking. In spite of all our efforts and communications since my fathers death, no Chase representative ever informed us about our legal rights as successors in interest or provided us with the appropriate forms to file so as to be confirmed. According to CFPB regulations, this legally advantageous designation would have prevented Chase from rejecting our monthly mortgage payments, which by now has caused the mortgage to fall significantly behind and in arrears. Moreover, if Chase had followed CFPB regulations and informed us of our legal rights and options as successors in interest in XX/XX/XXXX or XX/XX/XXXX, we never would have needed to file for bankruptcy protection TWICE to stop two Chase foreclosure attempts on our inherited property in XX/XX/XXXX and XX/XX/XXXX, or deal with the stress of three additional foreclosure attempts in the past four months. This gross negligence by all Chase representatives involved has resulted in significant personal expense and damage to our credit through multiple bankruptcy filings. Additionally, it has placed tremendous stress upon me and my family, and adversely affected my personal health to the extent that I was forced to leave a high paying job I had successfully performed and held since XX/XX/XXXX in order to address the associated health problems brought about by the nefarious actions of JPMorgan Chase. I am filing this complaint with the Consumer Financial Protection Bureau today in hopes of rectifying this egregious on-going matter with JPMorgan Chase and the Chase induced VA mortgage arrearage on our inherited property. However, I am very deeply concerned about the CFPBs foolhardy reliance upon the institution receiving the complaint ( Chase ) to properly and fairly investigate itself and make an objective assessment of its own actions and employees. If justice and equity are to be rendered in this matter, particularly at this juncture, I believe an unbiased third party will likely be required ( based on nearly 4 years of experience in dealing with Chase ) to appropriately investigate and obtain a fair and reasonable resolution. However, I do not feel that I should have to hire a team of attorneys to force Chase to respect my legal rights as successor in interest and treat me and my family according to CFPB regulations, but that is what I have had to do thus far over the course of more than three years. | ||||||
| 10/31/2023 | Yes |
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Web | |
| I received a letter from Chase in late XXXX XXXX that my business account will be closed and to transfer my funds to a different financial institution. In the letter there was a number to call for any information on the matter. I called the number that I was asked to call and was first told the account wasnt closing, then the agent said that yes the account would be closing but that its usually sixty days from the day the letter was sent and that it wasnt even 25 days on the day that I called, I believe it was XXXX XXXX XXXX. I called again on XX/XX/ and spoke to another agent who said that my account wasnt being closed, I asked why then I got the letter and was told that the matter had been resolved. I ask him to double check then he said that it appears that the account will be closing and when I asked when he said XXXX XXXX ( clearly there was no XXXX XXXX XXXX XXXX. I was told only the branch can call them to ask for an extension of time to enable me sort out all transactions on that account so I asked him to connect me to my branch and he couldnt get the branch on his system so he transfered me to another departments to help with that. The lady there asked what the issue was and I told her and after verifying me, she said there was nothing wrong with my account and I told her I was told it will be closing , she put me on hold to speak to a branch banker then came back and said that she didnt know why they told me that my account was closing that she was assuring me 100% that it wasnt . With that sort of assurance anybody would just forget about it but knowing how inefficient and disorganized chase bank is , I called again on MondayXX/XX/ and spoke with other agents that first wasnt sure then said that the account will be closed but they still couldnt say when and they all advised that I transfer my funds in order to have access to them immediately etc. the same day I tried to initiate a transfer with the customer service department but the call dropped and since she already showed me how to get it done from my online banking, I initiated the transfer the next day and it was successfully done and just to be on the safe side, I called chase and asked about the transfer I just made and they confirmed that yes it was done and in process. The next day I got an email from the bank informing me that the transfer was delayed but it will keep processing and that I will be contacted if they require any information. Five days after, I woke up to an email saying that the transfer was canceled and to call a number in order to avoid further restrictions on my account. I was surprised because I thought we were ending the relationship and I was asked to transfer my money out of the bank and now the same bank is making that impossible. I called the number and the agent, again , couldnt give me any information other than he didnt know why the transfer was canceled and that there was restriction already on my account. He said that they will send a check by the end of the month, I told him I didnt want a check I want my money immediately as I needed to run my business and my life, also I didnt have another business account, I was in XXXX and wouldnt be able to cash the check if it was written in the company name which one of the chase agent had also mentioned that because of this it was best to transfer my funds. The agent then said what he would do was to make sure that the check was sent in my name because I was verified, my international passport was used to open the account etc. he assured me that he would follow up the case and make sure the check was written in my name . The same day a certain XXXX called me from the executive office ( I had sent an email), I told her that I already spoke with someone etc. she said she would investigate my complaints and get back to me if she needed any more information. About eleven days after XXXX called to say that the check had been mailed to me and that it would take seven to ten days to get to me . Then I asked if the check was sent in my name and was absolutely shocked when she said No even though I was assured it will be written in my name . Clearly this bank delights in inflicting pain and trauma on its customers.. suddenly I was traumatized because it seems chase bank was bent on keeping my money for as long as they can. Right on that call I was feeling sick and could barely XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I asked her why the transfer was canceled in the first place when it was the bank that advised that I transfer my funds. She said that the transfer wasnt consistent with the terms of that checking account and I asked if the terms were new, if they werent in place when chase asked that I transfer my funds and when the chase customer agent showed me how to make that transfer, of cause she couldnt come up with a response to that ( they actually think people are stupid). She said a manager at the executive office will call but no one did until I sent an email then I got a call from a certain XX/XX/XXXX from the executive office who was very rude and arrogant just like the bank. He couldnt tell me why the transfer was canceled and when I asked why the check was written in the company name when I was assured that it will be written in my name , he said maybe the company doesnt belong to me anymore which I thought was the most senseless and ludicrous thing. The account was opened with my international passport and I am verified each time I call, the debit card bears my name and the company name and suddenly because there is a substantial amount of money in the account it is no longer mine because a black woman is not supposed to have a certain amount of money sitting in their account? How insulting!!! I told him this case should escalate to the highest authority of the bank and he said, in an arrogant way, that they make decisions for XX/XX/ the CEO so theres nowhere else to go. Clearly chase bank is not ready to take any responsibility for its inefficiency. they sent me a letter of closure and ask that I call a number, I would have thought that anyone who picks that call would have the right information for me but I was given all the wrong informations and if not that I kept calling I would have gone thinking my account wasnt getting closed after all. then they went and canceled my transfer without any plausible explanation, and after assuring me that the check will be written in my name so that I can have access to my funds they went ahead and wrote it in the company name so that they can hold on to my money for as long as possible If I wasnt qualified to open an account with the bank, they should never have opened the account in the first place because it was my international passport that was used to open that account and they verify me every time I call but suddenly the account doesnt belong to me anymore and I am not qualified to have my name on a check for my own hard earned money. They dont have to spell it out but clearly this is racist and hateful. Even the check they claim to have mailed out since XXXX XXXX was nowhere to be found . I had to call Chase again ( for my health I had been avoiding calling them) on Monday XX/XX/ and left a message for XX/XX/XXXX, she didnt call back so I called again on XXXX XXXX and she said she will find out what was going on with the check and let me know. I told her to track it but she said they couldnt track it. I never heard back from her. Some hours after, XX/XX/XXXX called and rudely asked why I was still corresponding with the bank and that as far as Chase was concerned they were done with me, I was beyond shocked!!! I thought he was calling because his colleague had told him I hadnt received the check but clearly he was calling to be rude and insulting when I told him I hadnt received the check he asked are you telling me that you havent received the funds I told him that I dont give conflicting information that only Chase was allowed to do that and I would say it again and again that I hadnt received any check from them and the only reason why I am still talking to this bank at all was because they still had my money and for as long as the money was not in my bank account or in my pocket, they have it. Then he said the only thing he could do was to cancel the check and reissue it .. I told him there was no way that I could possibly wait another month to receive my money I transferred my funds and they blocked the transfer and all their misinformation and laxity created the mess and they were all moving on and expecting me to find a way to deal with the mess! I also asked if I could cash the check at a chase branch with all the ID that was used to open the account andXX/XX/XXXX said No that chase doesnt cash business checks, that was such a shock since the check originated from them. He said he will find out if they can expedite the check by sending via XX/XX/XXXX which is what they should have done in the first place (A check with well over XXXX was sent via regular mail and yet you claim to be high on security). Again, he never got back to me and when I called back on Friday XXXX XXXX, he told the operator to pass me to his answering machine!! The last time I spoke to this same XX/XX/XXXX, I dont know what button he pressed or what lie he told but I suddenly heard the machine saying that I had been abusive and not to call them again. Stunning how chase bank that was abusive and discriminatory towards me denied me access to my own funds for almost months, causing me financial and emotional stress was claiming that I had mbeen abusive!!!! Of course if they didnt have my money I would have no business calling them. The executive office of chase is even worse than the other agents they claim to check.They claim to have used my feedback to investigate and make corrections but the question is at whos benefit all they say is sorry you were misinformed etc but theres nothing we can do you go and sort out the mess we created. The whole stress of not having access to my hard earned money, not being able to run my small business of many years, the disdain and inhumane treatment and discrimination from chase finally took a toll and I miscarried!! My husband and I are devastated and depressed and bent on getting justice because nobody, not even a big corporation, should be allowed to get away with injustice. I suffered tremendous XXXX XXXX XXXX XXXX since this incident. I am just gradually beginning to recover. I reported to the XXXX XXXX XXXX but Chase bank discounted that complaint because, obviously, they know that the XX/XX/XXXX has no power to call them to order. The foregoing, clearly shows how mindless, cruel, inefficient and disorganized Chase bank is and also how arrogant to think that they can perpetrate such injustice and discrimination on a customer with impunity because in their mind I am too small to sue a big corporation.. THEY WANTED TO END THE RELATIONSHIP BUT HOLD ON TO MY MONEY FOR AS LONG AS THEY POSSIBLE COULD JUST TO BE MEAN. XXXX- on XXXX XXXX XXXX, I found the first check they claimed to have sent somewhere in my building and it turns out it was wrongly addressed ( I will present it if needed). Chase had my correct address on file!!! This further proves how careless, inefficient, disorganized and cruel this bank is. I have some of my correspondence with chase ( letters and recorded telephone conversations) I write this petition for you to investigate this matter and bring chase bank to book. Thank you XX/XX/ | ||||||
| 02/01/2021 | Yes |
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Web | Servicemember |
| I recently received notice about increased rates on a credit card. CHASE Penalty APR and When It Applies Up to 29.99 %. This APR will vary with the market based on the Prime Rate.c We may apply the Penalty APR to your account if you : fail to make a Minimum Payment by the date and time that it is due ; or make a payment to us that is returned unpaid. How Long Will the Penalty APR Apply? : If we apply the Penalty APR for either of these reasons, the Penalty APR could potentially remain in effect indefinitely. My Chase PlanSM Fee ( fixed finance charge ) Monthly fee of 1.72 % of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full. Late Payment Fee Up to {$40.00} Return Payment Fee Up to {$40.00} c Penalty APR : We add up to 26.99 % to the Prime Rate to determine the Penalty APR. Maximum APR 29.99 %. Variable APRs are based on the highest U.S. prime rate published in the Money Rates section of The Wall Street Journal two business days ( not weekends or federal holidays ) before your statement closing date. The U.S. prime rate is currently 3.25 % as of XX/XX/2021. The daily periodic rate is 0.08217 %. Additional Information About These Changes My Chase Plan Fee : The My Chase Plan Fee is calculated at the time each plan is created and is based on the amount of each purchase transaction or amount selected to create the plan, the number of billing periods you choose to pay the balance in full, and other factors. The monthly and aggregate dollar amount of your My Chase Plan Fee will be disclosed during the activation of each My Chase Plan. Penalty Fees ( Late Payment Fee and Return Payment Fee ) : A single violation of each type will not exceed {$29.00}. However, if another violation of the same type occurs within six monthly billing periods, we will charge up to the maximum fee in the table above. The Late Payment and Return Payment fees will not exceed the related minimum payment that was due. 2. The description of Minimum Payment found under your Cardmember Agreement Rates and Fees Table is changed to read as follows : Minimum Payment : We will calculate the minimum payment as : Any past-due amounts ; PLUS Any special payment obligations in connection with Flexible Financing Offers which require repayment of the balance over a pre-selected number of billing periods ; PLUS The larger of : {$40.00} ( or total amount you owe if less than {$40.00} ) or The sum of : 1 % of the new balance ( excluding any Flexible Financing Offer balances which require special payment obligations to ensure repayment of the balance over a pre-selected number of billing periods ), PLUS any periodic interest charges and late fees we have billed you on the statement for which your minimum payment is calculated. 3. Getting Started : Your Account " What It Means to You '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to Penalty APR, as follows : We may change the terms of this agreement including APRs and fees from time to time. We may also add new terms or delete terms. APRs or other terms may also change without amendment, for example when the Prime Rate changes or the Penalty APR becomes applicable. See the Variable APR and Penalty APR sections for details. " Our Responsibility '' for the Amendments section within the Getting Started : Your Account section of your Cardmember Agreement is amended to include a reference to delivery of amendments, as follows : Our ability to make changes to this agreement is limited by applicable law. We may communicate amendments to this agreement to you via mail, email or other electronic means, or included in your monthly billing statements as permitted by law. 4. Important Definitions The " Cash-like Transactions '' section within the Important Definitions section of your Cardmember Agreement is replaced to clarify and expand the definition as follows : TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. 5. Using Your Card The introduction to the Using Your Card section of your Cardmember Agreement is amended as follows : You can use your account in the following ways. Your account is to be used only for personal, family or household purposes. You can not use your account for illegal purposes, such as writing checks against uncollected funds. You agree that we may rely on information provided to us by merchants and the applicable payment network to categorize transactions as Purchases, Balance Transfers or Cash Advances. The " My Chase Plan '' section within the Using Your Card section of your Cardmember Agreement is updated as follows : TRANSACTION WHAT IT MEANS TO YOU OUR RESPONSIBILITY My Chase PlanSM If eligible, you may use the My Chase Plan feature through Chase.com or the Chase Mobile App to create, from recent eligible purchase transactions or eligible amounts, a My Chase Plan balance with set repayment terms, subject to the My Chase Plan Fee. From the available offers, you select how many billing periods it will take to pay the My Chase Plan balance in full by making regular payments each monthly billing period. For each billing period during which there is a balance in the My Chase Plan, you will be charged the My Chase Plan Fee, rather than interest under the Purchase APR. An eligible purchase transaction for My Chase Plan is a purchase of at least a specified dollar amount but may not include certain purchase transactions, such as cash-like transactions and any fee owed to us, including Annual Membership Fees. An eligible amount for My Chase Plan is a portion of your account balance, as specified from time to time within the My Chase Plan experience. Cash advance, balance transfer and My Chase Loan transactions are not eligible for My Chase Plan. Your ability to create a My Chase Plan balance is based on a variety of factors, such as your creditworthiness, your credit limit, and your account behavior. You will not be able to create a My Chase Plan balance if you enroll in a debt management program or if your account is closed or in default. When you have a My Chase Plan balance on your account, we will not charge you interest on new purchases if you pay your entire Interest Saving Balance by the due date each month. At our discretion, we may make My Chase Plan available to you ; we may decline a My Chase Plan transaction for any reason. 6. Paying Us Back The " Interest-Free Period ( also called Grace Period ) on Purchases '' section within the Paying Us Back section of your Cardmember Agreement is amended to clarify the definition as follows : IMPORTANT INFORMATION WHAT IT MEANS TO YOU OUR RESPONSIBILITY Interest-Free Period ( also called Grace Period ) on Purchases When your account is in an interest-free period, interest is not charged on new purchases. Your account is in an interest-free period when you have paid the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time. If you do not pay the New Balance or Interest Saving Balance shown on your most recent billing statement by the due date and time, you will lose your interest-free period and we will charge interest on your purchases. You can regain the benefit of the interest-free period by paying your New Balance or Interest Saving Balance by the due date and time. After you enter an interest-free period again, interest charges on purchases may still appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date that your payment for the prior billing statement was received. Balance Transfers, Checks and Cash Advances do not have an interest-free period and if these balances are not paid in full by paying your New Balance or Interest Saving Balance by the due date and time, you will lose your interest-free period on new purchases. When your account is in an interest-free period, we will not charge you interest on new purchases. When your account is not in an interest-free period, we will charge you interest on your purchases from the date the purchases appear on your account until your New Balance or Interest Saving Balance is paid in full. For more details about how we calculate your interest charges, see the Interest Charges section of this agreement. 7. How to Avoid ... The " How to Avoid '' section of your Cardmember Agreement is amended to include a new section for Penalty APR, as follows : " HOW TO AVOID ... '' WHAT TO DO WHAT IT MEANS Penalty APR Do Not : Fail to make a Minimum Payment by the date and time that it is due ; or Make a payment to us that is returned unpaid. We can apply the Penalty APR, which is higher than the APR you would otherwise pay, for either of these reasons. Penalty APR on New Transactions : If you fail to make a Minimum Payment by the date and time that it is due, but you make the payment within 60 days of that due date, we may apply the Penalty APR. We also may apply the Penalty APR if you make a payment to us that is returned unpaid. In either instance, the Penalty APR will apply to new transactions. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate. Penalty APR on outstanding balances and new transactions : If we do not receive the Minimum Payment within 60 days of the date and time that it is due, then we also may apply the Penalty APR. If we apply it in this instance, the Penalty APR will apply to all existing balances on your account and new transactions. If you make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR will no longer apply. If you do not make six consecutive minimum payments when due beginning with your first payment due after we apply the Penalty APR, then the Penalty APR could remain in effect indefinitely. After we apply the Penalty APR, we will review your account from time to time to see if a reduction in the APR is appropriate. Amendment to your Cardmember Agreement : The changes described in this notice amend your Cardmember Agreement and replace the corresponding terms that currently apply. Any terms of your account not described in this notice continue to apply. ABOUT THIS MESSAGE This service message gives you updates and information about your Chase relationship. This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. Your privacy is important to us. See our online Security Center to learn how to protect your information. Chase Privacy Operations XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XX/XX/XXXXJPMorgan Chase & Co . XXXX | ||||||
| 09/05/2023 | Yes |
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Web | Older American |
| To : JP Morgan Chase ( Chase ) all accounts. I write to you regarding your annexed arbitration agreement, provisions and clauses contained in your cardmember agreements submitted to the CFPB as required by law. Despite numerous demands, Chase has concealed disclosure and negligently failed to provide me copies of said applicable agreements with arbitration provisions in deliberate violation of law. I again demand a copy of your cardmember agreement for every one of my 4 Chase credit card accounts with account numbers engraved to each agreement. Pursuant to it, I ELECT, CHOOSE and DEMAND that you file for Arbitration for your claims and pay 100 % of the appropriate filing fees and arbitrator fees required by AAA or JAM to have any Claims by either of us resolved exclusively by arbitration. Simply stated : ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURTALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION. Your arbitration agreement stated : This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURTAll Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise in the futureAlthough under some laws we may have a right to an award of attorneys fees and expenses if we prevail, we agree that we will not seek such an awardWe will pay any costs that are required to be paid by us under the arbitration administrators rules of procedures. Even if not otherwise required, we will reimburse you up to {$500.00} for any initial arbitration filing fees you have paid. We will also pay any fees of the arbitrator and arbitration administrator for the first two days of any hearing. If you win the arbitration, we will reimburse you for any fees you paid to the arbitration organization and/or arbitrator. If you consider that you are unable to afford any fees that would be yours to pay to the arbitration administrator, you may request that we pay or reimburse them, and we will consider your request in good faith This means that litigation is PROHIBITED and litigation will not be tolerated. The agreement implies that if either of us willfully violates it, even after my election, choice and demand for arbitration, by filing prohibited and barred litigation, such as in a state or federal court, then appropriate action can be taken to compel arbitration. If any Claim is advanced improperly in a court, arbitration may be elected under this provision and compelled instead. Thus means that effectively due to my election and choice and demand, you must file an arbitration demand with AAA or JAMS and pay all fees so any litigation would be null and void as a mere ministerial filing of a demand with fee payment would NOW effectively be assumed and concluded that the Claim is NOW in Arbitration making litigation barred as a Claim can not be litigated and arbitrated in 2 separate forums when you have agreed to arbitrate as the sole forum. So if you frivolously sue me in a court, after my election today, in violation the your agreement NOT to litigate, the Clause anticipates that I would file a Motion to Compel Binding Forced Private Arbitration with AAA or JAMS which would AUTOMATICALLY STAY any litigation under Florida Statutes ( FS ) Section 682.03 ( 6 ) which specifically provides that once a motion to compel arbitration has been filed, the court must STAY any judicial proceeding that involves a claim alleged to be subject to Arbitration until the Court renders a final decision on arbitrability of the dispute. Any decision on a Motion to Compel Arbitration is an appealable decision which, if appealed which I would do if denied, would further Automatically STAY the case pending Appeal for at least 12-24 months. See US Supreme Court No XXXX XX/XX/XXXX decision in XXXX v XXXX . If I am improperly sued in a state court and you do not agree to arbitrate, I would file a Petition in the United States District Court for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to Compel Arbitration with XXXX or JAMS. Under the Federal Arbitration Act, a party aggrieved by the alleged failure, negligent or refusal of another to arbitrate under a written agreement for arbitration may petition any U.S. district court for an order directing that such arbitration proceed in the manner provided for in such agreement. I would easily be successful in any expected federal court action if I am improperly sued and you refuse to arbitrate. While I could file for arbitration with the AAA or JAMS, I want to avoid stupid litigation if I pay the initial {$220.00} fee and you litigate in federal court that you should pay the fee costing {$50000.00} in attorney and other fees for no reason other than to harass. So if you want to collect your disputed Claim you must file a Demand For Arbitration Consumer Arbitration Rules with AAA or JAMS and pay all fees including those of the Arbitrator which easily will be ultimately over {$25000.00} which will not be recoverable from me including your attorney fees even if you prevail which is impossible due to my Claims against you for multiple statutory FCRA willful violation plus punitive damages far exceeding your dispute Claim. Your arbitration terms of service incorporates by reference the AAA Rules that expressly delegates arbitrability determinations to an arbitrator and the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court or judge, to resolve questions of arbitrability. See AIRBNB V DOE, Florida Supreme Court # SC20-1167 decided XX/XX/XXXX. Therefore, once an arbitration agreement is presented to a court, the court is powerless to consider arbitrability as such has been delegated to the arbitrator. Due to your arbitration provisions, courts are powerless to act and they are automatically stayed if I move to compel arbitration. Dont waste your money with court filing fees and attorney fees as you will alienate the court and waste resources only to find court actions forced into arbitration with AAA . Or JAMS. That is why court actions are automatically stated to prevent a complete waste of time as arbitration agreements must be enforced. Besides, court decisions are clear that Florida does not have a XXXX XXXX XXXX, but a mixture of rules so again dont embarrass your attorneys by asking them to frivolously litigate. Nothing in the agreement permits or even discusses the possibility allowing you to file a lawsuit against me in any court. Lets arbitrate!!! File with the AAA or JAMS and pay the huge fees. Never expect AAA fees to be recouped. Never expect a return of attorney fees. I will automatically appeal any decision of a court, state or federal, that does not compel arbitration and provide me relief from frivolous conduct such as Federal Rule 11. If you sue me in state court, you will certainly see a motion To Compel Arbitration, staying it, PLUS a federal court Petition to compel arbitration PLUS a Demand for Arbitration by me with the AAA requiring you to pay all fees PLUS federal claims for FCRA and FDCPA violations both in federal court and AAA. By virtue of my election in this document and previous documents, it is indisputable that the Claim and Dispute is already with the AAA absent a mere ministerial 2 page demand by you with your payment of AAA fees. So court litigation is completely barred and any such filing will be considered frivolous willful conduct punishable under the FCRA and FDCPA punishable with a dismissal with prejudice of any court claim. If you are stupid and just want to harass me, you should expect years of litigation in multiple state and federal courts, including the US Court of Appeals PLUS no court would enforce any AAA award against me due to your conduct including FCRA and FDCPA violations. In SAUNDERS v Branch Banking, 526 F.3d 142 ( 4th Cir. 2008 ), the jury awarded Saunders {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations for failing to report the ongoing dispute. Using the multiple of 80 upheld, if I am awarded {$5000.00} in statutory damages I expect {$400000.00} in punitive damages applying the 80 multiple. Moreover, the Saunders jury found that the underlying debt was extinguished and uncollectible due to conduct far less than yours. This means that your Disputed Claim must be extinguished due to your FCRA violations PLUS I have huge claims for multiple ongoing statutory and punitive damages. My FCRA violations against you are DEEMED WILLFUL, providing a {$1000.00} statutory damage per violation based on on the CFPBs XX/XX/XXXX Fair Credit Reporting : Facially False Data advisory opinion of Director Rohit Chopra which stated : A violation is willful when it is inconsistent with authoritive guidance from a relevant agency. Therefore, every FCRA must be considered WILLFUL subjecting you to liability under 15 U.S.C. Section 1681n for willful noncompliance in addition to Section 1681o for negligent noncompliance. Federal courts would have federal question jurisdiction under 28 U.S.C. Section 1331 as they have jurisdiction to enforce liability under 15 U.S.C. Sections 1681p and 1692 ( k ) without regard to the amount in controversy. At a minimum, I can only settle a claim if you agree to absolute confidentiality of settlement PLUS the permanent removal of Claims from every credit reporting agency which will not disclose or imply settlement. Any written settlement must also include general releases of all parties to forever end the possibility of future litigation. While judges, mediators and arbitrators always try hard to force settlement, I am always open at any time to settle a dispute under fair terms based on developments. If you sell a claim to a debt buyer, your liability will not end but it may increase and arbitration will still be required and enforced ending up more complicated with more parties. In summary, the ball is in your court on how you wish to resolve the dispute which may be best taking the tax deduction and walking away without selling the toxic claim. I will not be the first to seek relief but, as listed above, I will aggressively counter any and all efforts to collect your disputed claim in litigation and/or arbitration. Dont waste $ XXXX in your shareholders money for AAA arbitration fees and your attorney fees to try unsuccessfully to collect {$0.00} owed knowing that I am owed potentially huge statutory and punitive damages. In light of my cease and desist demand which continues forever as I will never withdraw it, I can not communicate with you but I invite you to make a one time permissible exception for you to WRiTE me in the CFPB portal about what non-binding exact terms you may consider to resolve all claims. I hope this CFPB complaint will make my position clear about forum resolution options which exclusively require arbitration with the AAA. If this is not enough, I am a XXXX XXXX XXXX XXXX in XXXX XXXX with a short time more to live and I am judgment proof as my entire income is from Social Security, exempt from garnishment, and I have no other income or assets and I need treatment abroad and residency abroad. Serving me abroad will not comply with FS 2.516 and will only result in any attempted service to be return as unserved. I hope this informs you of the situation so you do the right thing. | ||||||
| 11/03/2021 | Yes |
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Web | Older American |
| Mistake of Fact, Easily Discoverable by a Reasonable Investigation, which Chase Failed to Conduct/ Failure to Provide Information on Merchant Overview of Complaint Against Chase This complaint is against Chase Credit Card . It involves a dispute in the amount of {$2500.00} from a merchant billing my credit card under the name of XXXX XXXX, a company unknown to me and for which I have never had dealings until the charge was placed on my credit card. My dealings were with an entity identifying itself as XXXX XXXX XXXX, which billed the charge through XXXX XXXX. Moreover, there are no public or Internet records of XXXX XXXX. Since XXXX XXXX and XXXX XXXX XXXX, acted together as the merchant, they are considered the merchant for purposes of this complaint, unless one of the entities is specifically identified for purposes of clarity. The dispute has been ongoing since XX/XX/2021. My complaint asserts that Chase mishandled my dispute in contravention to several provisions of Federal Regulation Z which is designed to ensure an impartial review of consumer disputes. In summary : 1. Chase failed to conduct a reasonable investigation of the dispute, including failing to undertake a review of the facts or even review its own files. 2. Chases explanation for determining the merchants charge to be valid rests on an erroneous fact, i.e. ; that I canceled the dispute in a conversation on XX/XX/2021. While the dispute was withdrawn, the dispute, in a conversation with Chase around XX/XX/2021, was reinstated, since the merchant again failed to deliver the products and services purchase. It should be noted the reason for the withdrawal was to work with the merchant promising to deliver the products and services paid for, a process that is recommended in all the credit card literature and by the federal government. 3. Chase records all telephone conversations concerning disputes. Several times I have requested Chase to provide me a copy of the transcript. So far, it has refused in violation of Regulation Z. 4. Without any knowledge of the identity or location of XXXX XXXX, I am unable to fully exercise my claims and defenses in future proceedings to recoup money paid for services not delivered. I have made several requests of Chase to provide me with identifying information. Chase so far has not provided me any information as required by Regulation Z 5. Chase has never considered, addressed in any manner, or conducted a reasonable investigation of my dispute that I did not receive any of the products or services paid for, yet Chase expects me to pay for products and services not delivered by an entity that I have no knowledge of and can not locate. 6. Under Regulation Z, comment to section 13 ( c ) ( 2 ) and ( d ) ( 1 ) ) -2, Chase failed to follow the governments regulations and should forfeit the disputed amounts. The timeline below sets forth the facts of the dispute : 1. XX/XX/2021 : I signed a Payment Agreement with an entity calling itself XXXX XXXX XXXX to provide book marketing services for my book. XXXX XXXX XXXX advertises itself as a nationwide book marketing and branding entity. The services included endorsements, radio and podcasts interviews, promotional video, XXXX guaranteed reads, and a 200 % return on my invested, ( i.e., {$5.00}, XXXX in book sales ). The Payment Agreement also included a 100 % Satisfaction Guarantee and 100 % Money Back Guarantee. The charge on my credit card was made by an entity calling itself XXXX XXXX. Attachment A is a copy of the Payment Agreement which includes a full list of the products and services to be provided. Attachment B is a redacted copy of my XX/XX/2021 credit card statement showing the charge from XXXX XXXX. 2. The Payment Agreement also included a provision that stated the charge of {$2200.00} is payable onceNo ongoing Charges and No Hidden cost. 3. In the Payment Agreement merchant was to provide all products and services within 90 days. 4. The Payment Agreement was solely drafted by the merchant. 5. The 100 % satisfaction and money-back guarantees were fully set forth by the merchant prior to me signing the Payment Agreement and those representations were the reasons I signed the Payment Agreement. The merchant recorded and transcribed the conversation and provided me who gave me a copy upon request. Attachment C is the complete transcript. 6. The Payment Agreement and the recorded transcript contain the entire agreement between myself and the merchant. 7. Between XX/XX/XXXX and XX/XX/XXXX, merchant did not perform any services. Attachment 8. Between XXXX, 2021 and XX/XX/2021, I informed the merchant of its failure to perform. Attachment D. 9. Merchant agreed the services were not being performed and promised to perform them. See Attachment D. 10. XX/XX/2021 : I informed merchants project manager of its failure to perform and notified Chase, by telephone conversation, that I was disputing the charge of {$2500.00} for failure to perform as promised in the Payment Agreement and that no product or services were delivered. 11. XX/XX/2021 : Chase gave me a credit of {$2500.00}. 12. XX/XX/2021 : I notify merchant in writing of its non-performance and the non-delivery of the products and services it agreed to deliver. Attachment E. 13.XX/XX/XXXXXXXX, 2021 : Merchants Project Manager contacts me, admits non-performance and promises to fulfill all parts of the contract in the time remaining. Attachment F. 13. XX/XX/2021 : In an attempt to reach a good faith resolution with the merchant, I accepted merchants promise to perform provide all the products and services paid for and to honor all warranties and guarantees of performance including the 100 % Money-Back/Satisfaction Guarantee under the Payment Agreement. See Attachment F. 14. In a good faith effort to work with the merchant, as suggested by consumer literature, credit card companies and government regulatory bodies, I accepted its promises to provide all the products and services under the Payment Agreement. 15. XX/XX/XXXX or XXXX, 2021 : I inform Chase, by telephone, that merchant promised to fulfill all the conditions of the Payment Agreement. I informed Chase it can rebill the charge to my account, which it did. 16. XX/XX/2021 : Merchant still has not delivered any product or services to me. I ask for a status report but nothing is given to me. 17. XX/XX/2021 : Merchants project manager apologizes for his absence due to personal issues, however, this time the project manager does not indicate any services will be delivered. Attachment G. 18. XX/XX/2021 : Merchant still has not provided any of the services or products to be delivered. I ask merchant to honor is warranty of 100 % satisfaction and money back guarantee. Merchant does not respond. See Attachment G. 19. XX/XX/2021 : I received an email from XXXX XXXX. He identifies himself as a Senior Consultant to merchant. He informs me that the project manager is no longer working for merchant. Attachment H. 20. XX/XX/2021 : In a telephone conversation, merchants Senior Consultant, XXXX informs me the project manager was fired, he screwed up the project. The Senior Consultant admitted I had valid reasons for non-performance. I asked for my money back under the merchants guarantee of 100 % satisfaction and 100 % money back guarantee. XXXX is evasive ; however, we agree to finish the conversation the next day. Attachment I. 21. XX/XX/2021 : Merchants Senior Consultant was to call me to continue our discussion of the prior day, but he never called. I called him but I was told he was not available. I asked for a call back but never received a call. I believe I called again but XXXX was still not available. 22. XX/XX/2021 : I contacted Chase by telephone. I inform Chase directly to reinstate the dispute. Chase did reinstate the dispute, stating it will reverse the rebill. Chase gave me a credit in the amount of {$2500.00} which is proof I reinstated the dispute. Moreover, my recollection is that I asked Chase if I needed to do anything and was told not at this time, Chase would contact me if it needed information. Attachment J is a redacted version of my credit XX/XX/2021 credit card statement showing Chase had reversed the charge and gave me the credit. 23. Chase informs customers it records all conversations so it has a record of my XX/XX/2021 conversation reinstating the dispute. Several times I requested a copy of the transcript of the conversation from Chase, however, Chase has not provided it. 24. The {$2500.00} credit remained on my account from the XX/XX/2021 Statement until it was rebilled on my XXXX, XX/XX/XXXXStatement. Attachment J, XXXX Statement. By letter from Chase of XX/XX/2021, and received XX/XX/2021, Chase informed me merchants charge was valid. Chases reason for reversing my credit was Per conversation of XX/XX/2021 you [ I ] cancelled the dispute and we rebilled your account. We credited you in error hance we have rebilled your account. Attachment K. 25. While I did cancel my dispute with merchant on or around XX/XX/XXXX, I did so at merchants request and reliance on merchants commitment to perform all of the work promised in the XX/XX/2021 Payment Agreement. When merchant again failed to provide the services or deliver the products in the Payment Agreement, I reinstated the dispute on XX/XX/2021. 26. I reasonably relied on the representations of the Chase representative that I would be contacted if information on my dispute was needed. Chase never contacted me concerning the dispute. 27. The Chase explanation that I cancelled the dispute is a false characterization of the facts. I did reinstate the dispute in a telephone call with Chase on XX/XX/2021. 28. Since I reinstated my dispute on XX/XX/2021, Chases sole reliance on the XX/XX/2021 cancellation, means it never conducted a reasonable investigation. If it had, Chase would have found the XX/XX/2021 telephone transcript of the conversation reinstating the dispute, in its files. 29. If Chase needed additional information as to the non-delivery of the products or services, it could have easily obtained it through a reasonable investigation and my cooperation on the non-delivery of the product and services. 30. Upon receiving the XX/XX/2021 letter from Chase, notifying me that it was rebilling my account XXXX based on the fact that I withdrew the dispute on XX/XX/2021, I, on XX/XX/2021, notified Chase of the mistake of fact caused by its failure to conduct a reasonable investigation. Chase has never responded to my request for reconsideration. 31. On XX/XX/2021 I requested Chase to provide me a copy of the transcript of the XX/XX/2021 telephone conversation in which I Reinstated the original dispute due to merchant failing to provide any of the services or products purchased. Chase has not responded XXXX. Also, in my XX/XX/2021 letter to Chase, I requested transcripts or other documents between Chase and the merchant as part of any reasonable investigation. Chase has not responded. 33. I have requested Chase to provide me information to identify XXXX XXXX since Chase is charging me XXXX for the services XXXX XXXX got paid to deliver, but has not delivered. 34. Chases conduct in this matter demonstrates an ignorance of or willful refusal to comply with its duties under federal regulations ; i.e., to conduct reasonable investigations and provide information to the consumer as to what it claims the consumer received for the monies Chase is requiring the consumer to pay for products or services not delivered. | ||||||
| 08/22/2019 | Yes |
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| So about a month ago my XXXX '' XXXX XXXX broke, and since I did not want to simply throw it away I figured " why not sell this item on XXXX and try to get some money? '' I then posted the tv on XXXX for about a month, and then right when I was losing hope an XXXX user by the name of XXXX messaged me saying " Is your listed XXXX XXXX XXXX XXXX XXXX LED TV ( XXXX Model ) still up for sale?? If yes i'm offering you {$370.00} for it. From your phone please send only the XXXX Item Number " number not here for privacy '' to XXXX just to follow up with me if my offer is cool with you. Thanks, Await to hear from you soon there. '' Happy to finally get a response for my listing, I then proceeded to text this person at the number listed about, and within an hour he replied. The phone conversation goes as follows : XX/XX/XXXX Me ( XXXX ) : " Hello, this is ( my name ), the person who listed the broken XXXX XXXX '' XXXX XXXX XXXX ) : " Thanks for accepting my offer, Please permit me to pay through check because my XXXX was unable to find solution to the problem. To ease up this transaction i can assure you 100 % of getting the payment within the next 24-48 hours. All i need right now is your Full name, Amount and Full Mailing Address to overnight the payment and get back to you with the USPS tracking # shortly. Await your response. XXXX '' Me ( XXXX ) : Sure thing, however before I give you my name and address I need to let you know that I wont be home for a while. Is that okay with you? XXXX ( XXXX ) : Okay I agree. All I need right now is your Full name, Amount and Full Mailing Address to overnight the payment and get gback to you with the USPS tracking # shortly. Await your response. XXXX I then give him my name and address. He then asks to confirm my name and address and I confirm that they are correct. Then : XXXX ( XXXX ) : Ok, we have a deal and I will overnight a check to you via USPS Priority Mail so that you can receive it in the next 24-48 hours and will get back to you with the tracking details. My mover will be coming over for the pick up immediately you notify me that the check has cleared by your bank so no shipping is involved. The check will include the money that will be paid to the mover picking up from you once payment clears. Then I confirm that Ill tell him when I get back to my house so the movers can come pick it up. XX/XX/XXXX On XX/XX/XXXX he then gets back to me : XXXX ( XXXX ) : I just got back from the post office to send the payment and here is the tracking number ( tracking # here ) of the payment. Await your response to acknowledge to me that you got this message. XXXX XXXX. I confirm and tell him when Ill return so I can ship the tv to his place. He follows : XXXX ( XXXX ) : I understand that you can easily ship it to me but I want it to be picked up because I also have some other valuable items which were recently purchase and they will need to pick them up prior to coming to your place for the pick up. Moreover the mover will only sopt by and pick up at any public place of your choice to reduce your stress as well so no shipping. I then say that makes sense and say that I will follow up with him soon. Note that this whole conversation took place through his number XXXX, and I did notice his slightly broken English but I thought nothing of it at the time. XX/XX/XXXX I get a message from a different number, XXXX, but it turns out it is from XXXX. He says : XXXX ( XXXX ) : Hello ( my name ), its me XXXX once again I got a notification that the check has been delivered to you while rushing my pregnant wife to the hospital, My phone screen got broken on the way thats why Im messaging you with her phone. Please check your Mail box and get back to me to confirm it shortly, I will appreciate your swift response to confirm to me that you got this message. XXXX XXXX ( XXXX ) thanks. I follow by saying Ill check my mailbox, and congratulate him on becoming a father. XX/XX/XXXX XXXX follows up to my previous message with : XXXX ( XXXX ) : Hi XXXX XXXX XXXX How was your day? I guess its fine. Your swift response to confirm to me that the check has been deposited or cleared will make me feel comfortable as Im here looking forward to hear from you since but no response from you. Please acknowledge this message to ease up this transaction. Regards XXXX XXXX, that response about being a parent was a bit rude, but I tell Ill let him know about the check. Then, when I finally arrive home on that same day I check my mailbox and the check he sent was inside. I tell him I received it, but when I see the {$1800.00} slapped on the check I am a bit suspicious. I say : Me ( XXXX ) : I just got home and received the check. Quick question, why is the check {$1800.00}? I thought we only agreed on {$370.00}. I havent deposited it yet so I can tear it up or return it if youd like. XXXX ( XXXX ) : {$1400.00} is the movers fee been added to the payment like I said earlier. You are meant to deduct additional # 30 for your run around expenses/inconvenience and send the rest to the mover through the means of payment they suggest shortly after the check clears so that the pick up can be arrangement scheduled. Also the issuing bank assured that the check will be cleared shortly after deposit due to the fact that they are aware of this transaction urgency. I will suggest you should deposit the check using your mobile/online banking app or at the nearest ATM just to reduce your stress going to the bank .Your swift response will be appreciated to confirm to me that you understand this message. XXXX XXXX. I sadly buy his excuse, and deposit the check. XX/XX/XXXX At least he wasnt lying about the quick transaction speed, since the check was cleared the very next day. I tell him this and he follows : XXXX ( XXXX ) : Please send the money through XXXX XXXX this both information, Moving Companies Detail : -Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Amount {$710.00} ) and DriversDetails : -Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Amount {$660.00} ). The transfer charges for both transaction at the XXXX will cost {$30.00} making {$1400.00} all together. Moving company instruct that the money should be send to their office and to the driver coming as well. He then messages again frantically since I didnt respond very fast : XXXX ( XXXX ) : Are you there ( my name )?? Please acknowledge to me that you got my previous messages. I tell him that yes, I got the messages and that I will be going to money gram to send the money. I didnt think much about his desperation at the time, mainly because I thought Well a stranger just deposited an {$1800.00} check so even I would be anxious if I did the same thing. Ill make sure to send him the money asap so he doesnt think Im am trying to steal HIS money. I walk to the nearest money gram and he keeps pestering me Are you almost done with the transaction?? ( XXXX ). I then tell him that I tried to use money gram but they only accept cash, and I wasnt about to withdraw that much cash especially since I dont have that high a limit. He insists XXXX ( XXXX ) : Can you purchase XXXX gift cards at the store or XXXX where you are?? This is where I became extremely suspicious. How in the world would that be a reliable way to send money? I then proceed to tell him Do you have a way to transfer the money directly to them ( the movers and driver )? Like for instance quickpay with XXXX. Actually wouldnt it be better if you sent them the money yourself? Do you have an email so I can just send you the money back through XXXX? ( XXXX ) He responds : XXXX ( XXXX ) : Yes XXXX is better. This is where I dug my own grave, thinking that this was an honest person. I continue : Me ( XXXX ) : Honestly not sure why I have to send them the money, it probably would have made more sense for you to do it since they are working for you. If you have their emails then I should be able to send it directly to them. If you dont then Ill send you the rest of the money back except the money for the tv so then you can pay them. XXXX ( XXXX ) : Due to the delay in sending the payment the money to the previous mover they has been send to another location and provide another movers to take charge of the pick up, Here is the XXXX information of the new mover Name : XXXX XXXX XXXX Email : XXXX. I then ask if I should give them the {$710.00} amount ( XXXX ). He replies : XXXX ( XXXX ) : With due respect, All is set to complete this transaction, Send the money to this XXXX email XXXX of the new mover ( XXXX XXXX ). Just {$1400.00}. Please confirm to me that you got the email. I confirm I will send the money ( XXXX ) one of the biggest mistakes of my life. XXXX XXXX XXXX XXXX : {$1400.00} is meant to send at once to XXXX just to process the pick-up arrangement in other the pick to commence within 24-48 hours. Please send me the picture of the confirmation page that shows that the {$1400.00} is been send once its done shortly. ( Two minutes later ) Awaiting your response. I tell him that I just sent it through my Chase account ( XXXX ), and he tells me : XXXX ( XXXX ) : You can send it ( he means the confirmation ) here or into my email XXXX I finally print a confirmation email ( XXXX ) of the transaction and email it to him. He follows : XXXX ( XXXX ) : Got it I will forward it to the mover and keep you posted regarding the progress shortly Please stay tuned. Me ( XXXX ) : Okay. Also, just so you know, Ill only be in this area for another week so have them come down asap. XXXX XXXX XXXX ) : Are you there?? Me ( XXXX ) : Yes XXXX ( XXXX ) : I got a message right now from my business associate that Im buying the item for saying he doesnt need it anymore. Please re-list back the item on XXXX and deduct {$50.00} for the stress I made you go through on this transaction. Kindly send just {$350.00} once again through XXXX to XXXX so as to send to my business associate as compensation because I thought he can buy the item at his present location but he confirm to me he has it already. Please let me know if you understand this message. I thought to myself darn, I was looking forward to selling my TV, but oh well. At least he is giving me {$50.00} anyways for the inconvenience. What a nice guy! I then send him the rest of the money ( XXXX ) he requested and he follows with : XXXX ( XXXX ) : Got it Thanks I was happy with {$50.00} extra, so I respond by saying : Me ( XXXX ) : Also, just as a precaution for next time, I wouldnt recommend sending a check as large as you did to me to another person since they may never respond to you and just may keep the money for themselves. I wouldnt want you to get scammed, since that would be a large amount of money to lose. Oh the irony, I was looking out for this random stranger but it turns out that a few days later on XX/XX/XXXX, I check my bank account and see that the {$1800.00} check that he sent me was rescinded. It was then that I finally realized I got played, and was {$1700.00} short of my account. All I really wanted to do was return the money he sent to me so he wouldnt get ripped off, but I should have just been selfish and looked out for myself since he would have rescinded the check anyways. Also, please note that all the texts he sent were in exactly his words. If you need any further documentation or explanation, feel free to contact me. Also, I have not yet taken action with my bank, but I plan on doing so within the next few days. | ||||||
| 09/09/2023 | Yes |
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| I have asked for proof that they are allowed to mark me late on my open end consumer credit plan per the following federal laws ; 12 CFR 1026.13 - Billing error resolution. ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed. ( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. ( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor. ( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error. ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section. ( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. ( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. ( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report. ( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error. ( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. | ||||||
| 07/27/2021 | Yes |
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Web | Older American |
| Background : XX/XX/XXXX -Purchased a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in California -Made down payment of {$6500.00} so could make monthly payments of {$250.00} at 0.00 % interest -From XX/XX/XXXX through XX/XX/XXXX used paper mail to make monthly payments to XXXX XXXX XXXX which uses Jpmorgan Chase Bank ( Chase ) -I had no late payments during that period Payment history from XX/XX/XXXX through XX/XX/XXXX ( with commentary as needed ) : Mid XX/XX/XXXX -Switched from paper mail to paperless electronic payment transactions ( Bill Pay ) for XXXX -Used XXXX of XXXX ( XXXX ) XXXX XXXX XXXX- XXXX to make monthly payments of {$250.00} Early XXXX. -Received statement for XXXX payment which reflected payment received from XX/XX/XXXX XX/XX/XXXX -For XXXX payment, sent {$250.00} via Bill Pay to XXXX XXXX XXXX -Shortly after this XXXX ... XXXX account showed that payment was received XX/XX/XXXX -For XXXX payment, sent {$250.00} via Bill Pay to XXXX XXXX XXXX -Shortly after this XXXX ... XXXX account showed that payment was received Mid XXXX ( after XX/XX/XXXX ) -Received XXXX statement via paper mail stating that I missed XXXX {$250.00} payment with late fee charge of {$12.00} -Puzzled, thought had sent payment on XXXX XXXX -IMPORTANT : Through investigation, I found that Chase had not received payment because of an incorrect payee designation. Apparently, I needed to write XXXX XXXX XXXX C/O Chase in order for the transaction to take place. XX/XX/XXXX -Upset ( I never miss payments ) and dumbfounded ( I thought I had done everything correctly ) I sent {$2500.00} electronically to XXXX/Chase as a way of saying that I had sufficient funds and also as a " monetary '' kind of apology Late XXXX ( after above date ) -Called Chase regarding what happened. Was told that it was a XXXX problem -Called XXXX and was told that it was a Chase issue -Called Chase again, and after research was told that I had omitted Chase in my payee section -IMPORTANT : my error stemmed from the fact that the monthly statement indicates : Make checks payable to XXXX XXXX XXXX and thats what I entered when signing up for automatic electronic payments. -After the above call to Chase, I contacted XXXX which after review agreed to refund value of two checks that I had sent electronically made payable to XXXX XXXX XXXX XX/XX/XXXX -XXXX refunded XXXX Payment of {$250.00} from XXXX XXXX XXXX , issue date XX/XX/XXXX -XXXX : refunded XXXX Payment fof {$250.00} from XXXX XXXX XXXX , issue date ) XX/XX/XXXX Early XXXX -My wife and I visited Chase XXXX XXXX XXXX ( XXXX XXXX ) to review my case with someone -Was able to speak with an assistant manager concerning my problem -IMPORTANT : She arranged by phone with Chase to have my late payment fee of {$12.00} waived ( which it was ) -No mention was made of my credit scores being affected by the late payment. -Because the late payment fee had been waived, I mistakenly didnt think my credit scores would be affected. -IMPORTANT : This was confirmed when I later viewed my credit report. Mid XXXX -Lacking confidence with making automatic payments to Chase, I switched to paying manually each month using online Electronic Check payments. XX/XX/XXXX XXXX online statement confirmed {$250.00} Elec Check XXXX Chase Auto Pymt. XX/XX/XXXX XXXX online statement confirmed {$250.00} Elec Check XXXX Chase Auto Pymt. XX/XX/XXXX XXXX online statement confirmed {$250.00} Elec Check XXXX Chase Auto Pymt. XX/XX/XXXX XXXX online statement confirmed {$250.00} Elec Check XXXX Chase Auto Pymt. Mid XXXX -Knowing that I had several upcoming trips to places lacking internet connection, I began to worry that I might miss a payment with my current online payment system with Chase . -After my last experience, I was reluctant to set up automatic payment with Chase on my own. XX/XX/XXXX -IMPORTANT : I met with the Chase XXXX XXXX branch manager who listened to my story and volunteered to assist me on site with my computer ( which I had brought with me ) to set up automatic monthly {$250.00} auto payments with Chase. -I assumed that my XXXX payment and all payments going forward would now be automatic until my loan was paid for, and I was very appreciative of the bank managers assistance. XX/XX/XXXX -Left on trip to XXXX XXXX XXXX , Calif. where my wife and I are in the process of purchasing a second home ( currently in escrow ) XX/XX/XXXX -Returned to home in XXXX XXXX XX/XX/XXXX -Postal carrier gave us mail that had been put on hold during our trip up north. -Opened XXXX statement which indicated that I had not made my payment for XXXX. -Through research I learned that I still had until the end of the month to make my payment to avoid the late penalty. -I made a payment of {$250.00} using a phone electronic payment system. -IMPORTANT : I was frustrated because I thought I had been set up by the bank manager for automatic payments to avoid exactly situations like this. -IIMPORTANT : f a Chase bank manager can't correctly set up automatic payments for a customer, how can Chase expect a customer to set it up properly. XX/XX/XXXX -IMPORTANT : I learned from my mortgage broker that my high credit scores had been lowered shortly after my late payment notification. -I suspected a correlation between my late payment to Chase and my lowered credit scores. -IMPORTANT : I realized lower credit scores could adversely affect my qualification for low interest rate mortgage loans. -My mortgage broker confirmed this with me. XX/XX/XXXX -I again met with the XXXX XXXX Chase bank manager with the hope of having Chase restore my previous excellent credit ratings. -IMPORTANT : He replied that had I been a Chase customer he could have probably helped me, but because I made car payments to XXXX/Chase through another institution ( XXXX ), he could not help me resolve my credit rating issue. -However, he did volunteer to call a Chase number where perhaps my concern could be addressed. For most of my conversations, at my suggestion, he stood across the phone from me and could clearly hear my conversations with various Chase representatives. -After speaking with one or two people who were not qualified to address my credit issue, I was finally directed to call XXXX and reached someone in the Chase Credit Department XXXX -IMPORTANT : After listening to my story, she cited the Fair Credit Reporting Act which she said contained provisions that prohibited Chase from recommending making credit rating adjustments to myself or anyone. In other words, it would be illegal to do so. I was upset that there were, according to her, no provisions in the law which could allow appeals based on the merits and unique circumstances of each case. -When I said that it appeared that it would take an Act of Congress to provide me any relief, she did not contradict me. -IMPORTANT : After this conversation ended, the bank manager indicated that he was quite familiar with the Fair Credit Reporting Act, and that the person I had spoken with had seriously mischaracterized its provisions. -Rather than declare case closed, he suggested that when I got home that I call another Chase department at XXXX where I might speak with someone more knowledgeable with credit score appeals. -Any lingering belief that I may have had that Chase was organized around the principle of how best to support its customers was now completely shattered. Chase had revealed itself to be adversarial when it came to customer service. XX/XX/XXXX -I called XXXX and eventually was directed to speak with someone who would be more likely to be able to assist with credit score issues. -IMPORTANT : The representative I spoke with was sympathetic and indicated that she herself would see to it that my previous credit scores would be restored. -IMPORTANT : I was pleased to hear this, but when I said that I would need some official piece of writing from Chase so stating this action, she paused and said that I would need to speak with yet another person, and she transferred me to that number. -IMPORTANT : This next person was also sympathetic to my case, but said that he was not authorized to recommend any adjustments to my lowered credit scores, and suggested that I call XXXX where I could speak with someone at the Consumer Financial Protection Bureau ( CFPB ). -I took this advice and called the CFPB and ended up speaking with a representative who also listened to my story, and after discussion recommended that I file a complaint against Chase Bank online at consumerfinance.gov. which I did on which I am now doing on XX/XX/XXXX. Significant Issues : 1. When a representative at the Chase XXXX XXXX branch had my late fee waived, she should have told me one way or the other whether my credit scores were going to be affected by this action. 2. Chase does not make it possible to find out information concerning how a customer 's late payment may affect one 's credit scores, let alone have a discussion around why one 's late payment should automatically trigger a significant lowering of one 's credit scores. Chase has constructed an impenetrable wall against non-Chase petitioners such as myself. 3. The Chase bank manager at the XXXX XXXX branch said that had I been banking with Chase that he could have taken care of the late payment problem, but because I did not, he could not directly help me. Yet why was an assistant bank manager at the same branch able to make a call and have my late fee waived, and yet the bank manager not able to assist me with resolving my credit score report? 4. Given that the Chase XXXX XXXX Branch Manager helped me set up automatic electronic payments in XXXX that turned out to be incorrect resulting in a late payment notice in XXXX, it is apparent that Chase needs to rethink its online automatic payment system. It is currently not customer friendly and can lead to adverse situations for the customer. 5. A representative in the Chase Credit Department said that she could see to it that Chase would have my earlier credit scores restored, but balked when I asked for that to be put in writing. Why did my asking for written documentation cause her to end the discussion? Did she really intend to do anything for me, or was this disingenuous on her part? 6. According to the branch manager of Chase XXXX XXXX in XXXX XXXX who heard the conversation ( XX/XX/XXXX ), the representative in the Chase Credit Department ( XXXX ) significantly mischaracterized ( lied about? ) the Fair Credit Reporting Act by stating that it prohibited Chase from evaluating my case to make any recommendations related to my lowered credit scores. This was especially egregious because of the implication that I had no further recourse in pursuing my case with Chase or any other source. 7. The above statement of the Chase Credit Department representative was contradicted by a second Chase Credit Department representative ( XXXX ) who said that although he could not help me, that I could file a complaint through the Federal agency that handled credit disputes, namely the Consumer Financial Protection Bureau ( CFPB XXXX ). 8. The fact that two representatives in the Chase Credit Department provided me with two contradictory statements concerning my complaint reveals an inexcusable and harmful customer relations situation at Chase. | ||||||
| 12/17/2019 | Yes |
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| On XX/XX/XXXX, I attempted to pay my monthly mortgage payments via online (www.lakeview.myloancare.com); however, the website was down. Therefore, I contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX) and made a payment on each loan ($XXXX and $XXXX). During that time, I also set up auto-draft to begin XX/XX/XXXX. The representative ensured that the auto-draft would not take place until XXXX and that my payment for XXXX, made via phone, was completed. This payment posted on XX/XX/XXXXOn XX/XX/XXXX, I observed two (2) ACH debits (auto-draft) pending on my bank account for each loan ($XXXX and $XXXX), thus overdrawing my bank account. I immediately contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX) where I was initially advised that they did not observe anything on their end. I requested to speak with a supervisor. Upon speaking with a supervisor (female, unknown name), I was advised that she did see that the auto-draft was incorrectly but that I would have to wait until the charges were not pending to send proof via email to XXXX. On XX/XX/XXXX at approximately XXXX hours, I emailed a screenshot of my bank statement showing both the $XXXX and $XXXX ACH debit, two (2) $XXXX over-draft charges, and a $XXXX service fee. I received an automated response with the ticket number, XXXX. I made contact with Loan Care loan servicing at (XXXX, the loan servicer for XXXX) at approximately XXXX hours and spoke with another supervisor, "XXXX". XXXX advised that he located the screenshot that I submitted. XXXX ensured that the expedited process was initiated and that I would receive a paper check. XXXX confirmed my mailing address and again stated that the check in the amount covering both ACH debits, both over draft charges and the service fee would be mailed out Monday, XX/XX/XXXX. I requested that the check be overnighted and XXXX advised that he submitted that request but that it could take up until Wednesday, XX/XX/XXXX to receive the paper check. I also advised XXXX that I wanted the auto-debit deleted from my account, that I would be mailing payment going forward. XXXX confirmed that the auto-debit was removed from both loan accounts.As of XX/XX/XXXX, I had not received a check nor did I receive any kind of confirmation; therefore, I, again, contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX) at approximately XXXX hours. During the call, I spoke with another supervisor, “XXXX”. XXXX advised that there was nothing on my account indicating that payment had been mailed. XXXX stated that she observed notes on my account where Jason made promises of a check being overnighted on Monday, XX/XX/XXXX. XXXX advised that she would have to further research the issue as she did not observe any refund status. XXXX requested my bank account information in the event that a wire transfer for the full amount would be an option. I provided my routing and bank account number to XXXX. XXXX stated that she would contact me by the end of the day with an update. As of XXXX hours, I had not received a status update. I contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX) again. However, the female supervisor (name unknown) could not provide any further information.On XX/XX/XXXX, XXXX hours, I received a follow up phone call from XXXX, the supervisor I spoke with on XX/XX/XXXX at XXXX hours. During the phone call, XXXX advised that she was working to resolve the issue that she was advised that an exception would be made and that they would wire the refund. XXXX stated that it could take time to actually hit my bank account; however, the funds would be wired. As of XXXX hours, there were no pending wire transfers to my bank account, per XXXX XXXX representative. I, again, contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX). During this call, I was advised by another female supervisor (name unknown) that a wire transfer occurred at XXXX hours. The supervisor then stated that it funds actually were not wired but that they would be wired first thing in the morning. On XX/XX/XXXX, at approximately XXXX hours, I made contact with Loan Care loan servicing at (XXXX, the loan servicer for XXXX) and spoke with another supervisor, “XXXX”. I explained the above information, as I had every time I called, and XXXX advised that it didn’t appear that the “ticket” was “escalated”; therefore, the funds had not been wired as of the phone call. I asked to speak with a higher member of management, to which XXXX advised that no one higher was available that day. I advised XXXX that I would be filing additional complaints with the Consumer Finance Protection Bureau. XXXX then stated that the members of higher management were currently in a meeting but that someone would call me as soon as the meeting was complete. XXXX stated that the she was positive that someone from higher management would “resolve” the issue today and that I would receive the refund for both ACH debits, over draft fees, and the service fee. As of XXXX hours, I had not received a phone call; therefore, I contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX). Upon calling, I spoke with yet another supervisor, XXXX, who advised that $XXXX had been wired to my bank account at XXXX hours on XX/XX/XXXX. I explained that I had been told the same information days previously. I also advised that $XXXX was not the full amount and that the refund was to include the additional $XXXX ACH debit, the two overdraft fees ($XXXX each) and the service fee of $XXXX. XXXX advised that she would not speak to the fees or the additional ACH as she did not have any information about “that” ticket being escalated and repeated that the ACH debit for $XXXX was wired.As of XX/XX/XXXX there were no pending wire transfers to my bank account; therefore, I contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX). During the call, I was advised that the wired funds of $XXXX would not post to my account until Monday, XX/XX/XXXX I asked the representative about the additional funds that were to be credited back to me as well, to which I was told there was nothing showing on that account that I was to be refunded the $XXXX, overdraft fees, or service charge. The representative stated that is all she could advise. When asked to place a request to escalate the request for the second loan account, the representative advised that she did and provided an escalated ticket number of XXXX.Additionally, after being assured on XX/XX/XXXX, that the direct debit was deleted from both loan accounts, I received paper correspondence from Loan Care loan servicing at (XXXX, the loan servicer for XXXX) that an ACH automatic debit would take place on XX/XX/XXXXfor both accounts. Therefore, I contacted XXXX XXXX and advised that under no circumstances is Loan Care loan servicing at (XXXX, the loan servicer for XXXX) authorized to withdraw any funds via ACH debit.As of XX/XX/XXXX, at approximately XXXX hours, there still were no pending wire transfers to my bank account. I made contact with XXXX XXXX again who confirmed there were no pending wire transfers for my bank account. Therefore, I, again, contacted Loan Care loan servicing at (XXXX, the loan servicer for XXXX). The representative advised that I could not receive confirmation of wired funds unless I did so in a written request. The representative then stated that it could take up to 48 hours for a response. I requested to speak with a supervisor. I was placed on hold for 45 minutes initially, then disconnected. I attempted call back; however, I was again placed on hold and disconnected. At approximately XXXX hours, I was finally put through to a supervisor, XXXX. XXXX advised that she did not see anything noted on the second loan account about the $XXXX ACH debit, the overdraft fees, or service charge. Andrea stated that she did see that $XXXX was wired to my account as she could see my routing and bank account information; however, she stated that she would have to speak with someone from the cashiering department to determine why the funds had not been deposited. I advised Andrea that at this point, the second ACH debit for $XXXX could remain on the account, as it would take another 10+ days for resolution. Andrea stated that she would make note and that I did not owe on that loan until XX/XX/XXXX I asked XXXX if I would be able to speak with anyone in higher management as this had been an ongoing issue for 10 days to which a resolution had not been reached. I was placed on hold for the next line supervisor. I was on hold for approximately 45 minutes again until I was put on the line with “XXXX”. XXXX asked for which payment I was requesting a refund. I advised XXXX that there are extensive notes on my account detailing the last 10 days as to the refund, wire transfer, etc. XXXX then placed me on hold again to review the account. XXXX got back on the line and attempted to tell me she would call me back as she was not getting an answer as to the status of the wire transfer from the cashiering department. I advised XXXX that I had waited a cumulative time of approximately 2 hours at that point, I would wait for an answer. XXXX stated okay and I was disconnected.I attempted to re-contact Loan Care loan servicing at (XXXX, the loan servicer for XXXX) and spoke with XXXX who advised that the wire may have been placed Friday to be sent out but that they don’t do wires on weekends so it may go out Tuesday, XX/XX/XXXX After being on the phone from XXXX hours until after XXXX hours, XXXX then advised that the cashiering department was now closed and she didn’t have any further information. I asked XXXX for the cashiering department’s contact number to which she advised the cashiering department did not have a phone number or a way to be contacted. On XX/XX/XXXX, I waited until approximately XXXX hours to contact Loan Care. I spoke with representative XXXX, who advised that there was nothing in the notes about “any refund” being sent. XXXX advised that there was no tracking number and that they had to wait for the mysterious cashiering department to get back to them. I asked to speak with a supervisor where I again was placed on hold for another 30 minutes. I spoke with supervisor, XXXX, again, who stated that there still was no response from the cashiering department. I asked to speak with XXXX supervisor to which I was placed on hold for another 20 minutes. Another supervisor, XXXX, picked up the call and advised that she was not XXXX supervisor and placed me on hold again. XXXX came back on the line and stated that I would be placed on a call back list; however, I declined as I have been told this multiple times without receiving a call back. XXXX stated that she was placing me on a brief hold to again “review” my account. At this time, I’ve been on hold for another 10 minutes, on the phone again for over an hour, most of which was spent on hold with no further information as to where the money is that I am owed. My loan now shows that I owe again in XXXX; however, I still have not received a refund for the second month’s payment that was taken without authorization. | ||||||
| 03/02/2022 | Yes |
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| I am filing this complaint against JPMorgan Chase ( Chase ) because, as will be explained in detail below, Chase missed payment on my homeowners insurance premium, resulting in a lapse in insurance coverage between XX/XX/XXXX and XX/XX/XXXX; failed to notify me of the lapse in coverage for three months ; and is now attempting to charge me outrageous fees for retroactive insurance coverage. I have spent hours on the telephone with various representatives at Chase attempting to resolve this issue. However, Chase refuses to accept any responsibility for its own errors and omissions, and has instead provided nothing but conflicting and contradictory excuses for this egregious mistake. Ultimately, my home was not insured for three months through no fault of my own, without my knowledge, and without my ability to resolve or mitigate the issue. I respectfully request that the CFPB review these unfair acts and practices committed by Chase, and that CFPB conduct a careful review of Chases internal policies and procedures that, as my experience makes clear, inadequately protect Chases customers. * * * I purchased my home in XX/XX/XXXX, obtaining my mortgage through a local mortgage provider. They subsequently sold my mortgage to Chase, which became my servicer effective XX/XX/XXXX. //// My home insurance policy came up for renewal on XX/XX/XXXX. Chase failed to pay the premium, resulting in the policys cancellation. Chase made no effort to communicate with me during this period, and I did not realize that I lacked home insurance until XX/XX/XXXX, when Chase sent me a letter, dated XX/XX/XXXX, informing me that they needed proof of my home insurance. On XX/XX/XXXX I contacted my insurance agent and asked her to send Chase the requested documentation. She quickly identified that my insurance had been canceled and immediately took out a new policy for me, effective XX/XX/XXXX. My insurance company charged me a {$50.00} fee to account for the gap in my coverage. //// Chase sent me a second letter, dated XX/XX/XXXX, informing me that although they now had proof of my current insurance, they still needed proof that I had homeowners insurance during the three-month period between when my first policy was cancelled and when I took out the new policy. In the absence of such evidence, Chase said that they would take out their own policy for the gap period, charging me a premium of {$830.00}, which is approximately twice the premium I pay for my other insurance over a three-month period. This makes little sense. First, a retroactive insurance policy is, by definition, for a period of time that has already passed, and so can never be subject to an insurance claim ; it thus serves no practical purpose, and yet would create a windfall for the insurance company that sold the policy. Second, and most importantly, the gap that Chase wanted to charge me to fill was caused by Chases own failure to pay my premium in XX/XX/XXXX. //// I received the XX/XX/XXXX letter on Saturday, XX/XX/XXXX, and I called Chases customer service line for the first time on Monday, XX/XX/XXXX. Chases representatives proceeded to tell me three different, inconsistent stories for why they did not pay my insurance premium, and continued to insist that they would charge me $ 800+ unless I could somehow take out a retroactive insurance policy to cover the gap. //// First, Chases Insurance groups representative took the position that Chase had no obligation at all to pay my home insurance premium in XX/XX/XXXX. In her telling, Chase had only acquired my mortgage in XX/XX/XXXX, and was not responsible for paying my premium until Chase had serviced my mortgage for at least a year, sometime after XX/XX/XXXX. By this logic, I was responsible for directly paying my insurance premium until it came due for the third time in XX/XX/XXXX. This, despite the fact that Id been paying insurance premiums into my escrow since XX/XX/XXXX. She seemed to see no difference between Chases obligations if it had originated a mortgage in XX/XX/XXXX, compared to Chases obligations when it acquired a mortgage with a preexisting escrow account. I asked the Chase representative when Chase had ever informed me of my responsibility to pay my second years premium, and she dodged the question. //// The representative then connected me to a second representative, from Chases Mortgage group , so that the three of us could better understand what had happened. At that point I was given the second version of why Chase had failed to pay my premiumthat in XX/XX/XXXX Chase had attempted to contact the insurance company to pay my premium, but had difficulty getting the insurance company to call them back. I was told that, in the face of this communication issue, Chase let my coverage lapse ; and it didnt take the most obvious step to mitigate the situationcontact me so I could help them resolve their difficulties and ensure that my home remained insured. //// Nevertheless, Chases representatives told me that this was MY fault. They said they suspected that my insurance company was not responsive to them because it did not know that I had a new mortgage servicer, and that I should have contacted my insurance company to tell them to send my XX/XX/XXXX bill to Chase. This position directly contradicted the statements that Chase had made to me in its XX/XX/XXXX welcome letter, informing me that they would begin servicing my mortgage. The letter said, among other things : //// Insurance Do I need to update my homeowners, hazard or flood insurance policy? No, your previous mortgage loan servicer will notify your insurance company of your new account number and to change the mortgage clause on your policy ( s ) to the information below. //// Accordingly, Chases position appeared to be that its failure to pay was my fault because I had not done something that Chase previously told me I did not have to do. //// The Chase representatives ' statements are also at odds with documentation that I have received from the insurance company that indicate that the company had identified Chase as the mortgagee prior to my premium 's due date. //// I responded on the phone that their arguments did not make sensethat their first position, that Chase had no responsibility at all to pay my premium, was inconsistent with Chases own actions in XX/XX/XXXX to try to pay the premium ; surely the efforts in XX/XX/XXXX indicated that, on some level, Chase believed itself to be responsible for paying the premium. Second, I took issue with the fact that Chase, upon meeting some resistance, decided to give up and let my insurance lapse, rather than contact me and work with me to resolve the situation. The representatives offered to escalate my situation to an account executive who could assess whether Chase had any fault. I said that my ask was that Chase either waive the requirement that I fill the gap in insurance, or else cover the cost of the gap. I was told that I would receive a response in 3-5 business days. //// On Saturday, XX/XX/XXXX, nearly two weeks after my phone call with Chaseand having never received a follow-up message as promisedI received another letter from Chase, dated XX/XX/XXXX XXXX This letter informed me that this was my second and final notice to provide proof of insurance covering the three-month gap. And, again, that absent such evidence Chase would charge me {$830.00} to fill the gap. I called Chase once again, on Monday, XX/XX/XXXX, to inquire about the status of my request from XX/XX/XXXX. //// I was told that my request for a waiver had been denied. I was also told a third version of why Chase had failed to pay my premium in XXXX. In Version # 3, Chase did in fact speak to someone at my insurance companya woman named XXXXand according to Chases internal notes, XXXX said that my insurance was paid in full. Of course, it wasn't paid in full, and Chase now concedes that fact. But Chase apparently never asked for written confirmation, and they never contacted me or took any other steps to verify it. They simply stopped trying to pay the premium despite the fact that my mortgage requires them to pay the premium on my behalf, and despite the money that had accumulated in my escrow account for the purpose of paying my insurance premium. It is obvious in retrospect that there was some sort of miscommunication between Chase and the insurance company in that phone call. However, because Chases notation falsely states ( per XXXX ) that my premium had been paid in full, Chase has determined that it is absolved of all responsibility. Chase instead takes the position that I am liable for the effects of its nonpayment, even though I was not even aware of these conversations happening at the time. //// On XX/XX/XXXX, I contacted my insurance agent, and through her the insurance company, to try to verify and understand what Chase had told me. I was told that their records show Chase was sent an invoice and simply never paid it. The insurance company has no notes of communications with Chase, such as the conversation with XXXX. However, I did learn that the company classifies my billing plan as Mortgagee Direct Bill Pay In Full, meaning that the mortgage servicer is directly billed for my premium and is expected to pay the premium in full. It is possible that, in conveying that information to Chase, the Chase representative either misunderstood the insurance representative, or took unclear notes regarding the billing plan that are now being misinterpreted by Chase. Finally, in an effort to avoid Chases high fees, I asked if the insurance company could backdate my current policy to cover the gap from XX/XX/XXXX ; I was told that was not possible to do, and that a retroactive insurance policy does not serve any purpose. XXXX// Section 1031 of the Dodd-Frank Act prohibits mortgage servicers such as Chase from engaging in unfair XXXX deceptive, or abusive acts or practices. According to the CFPBs exam manual, it considers an act or practice to be unfair where it causes or is likely to cause substantial injury to consumers ; the injury is not reasonably avoidable by consumers ; and the injury is not outweighed by countervailing benefits to consumers or to competition. XXXX Chase, through its incompetence and/or inadequate internal policies and procedures, failed to pay my insurance premium, causing its cancellation. This resulted in significant risk to my home and my family, as we lived in an uninsured home for three months without knowing it. It has also caused me substantial monetary damages, as Chase is now charging me $ 800+ to fix its mistake by requiring me to purchase what amounts to a junk insurance policy. Throughout this entire period, Chase kept me in the darkI could not stop the cancellation of my policy, nor mitigate the risks and damages Chase caused me, because Chase left me unaware that there were any problems with payment of my premium. //// My request is that Chase simply take responsibility for its own actions and omissions, and not leave me to suffer the consequences of miscommunications and errors that I had nothing to do with, and about which I was not aware. Thank you very much for your consideration. Please feel free to contact me if I can provide any additional information. | ||||||
| 09/08/2017 | Yes |
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| I 'm a Chase Bank customer with a checking account. I wrote a check on XX/XX/XXXX in the amount of {$2800.00}. I mailed that check to the intended recipient. The check was cashed on XX/XX/XXXX. It had been altered, and was cashed for {$1000.00}. Two points here : 1. When you write a check and that check is cashed, do you follow up with the intended recipient to make sure that individual is the person who cashed the check? Neither did I. 2. If you write a check for a one-time service, and the recipient cashes it for a smaller amount, do you raise a red flag and ask them why? Neither did I. ( Especially when the recipient is a friend-of-a-friend who was being paid for helping with our wedding, and had already significantly reduced the price once as a gesture of good will. We do n't know her THAT well, and it just did n't make sense to go get in to yet another conversation about price. We had just moved to XXXX XXXX XXXX and welcomed the windfall. We left well enough alone. ) We had no reason to believe that Chase Bank would allow someone other than the recipient to cash the check, but that 's exactly what happened. The intended recipient of the check simply thought we had n't paid her. And because she knew we were just getting started in our new life together, and we had several other financial hardships including moving to XXXX XXXX XXXX, she did n't want to press us for money we might not have. And so she did n't. Several years later, enduring hardships of her own, she finally sent us a very nice letter asking that we pay her. We got that letter on XX/XX/XXXX. I was confused and a bit annoyed. We remembered seeing that she cashed the check for a smaller amount. We had the money back then, but -- still buried in debt and now with a baby on the way -- we no longer have that money. I reminded her in an email that she 'd already cashed the check we sent ( and that she re-wrote it for a smaller amount ), and I offered to pay the balance in monthly installments. At the end of XX/XX/XXXX I sent her the first payment, along with a copy of the email I sent her back on XX/XX/XXXX. Apparently she does n't check email much, so this was the first she 'd heard about cashing the check. When she read my email and saw the copy of the altered check that I included, she knew that fraud had taken place. She never received nor cashed that check. She immediately went to her local police station in XXXX, IN where she and an officer called me together to explain what had happened. We did n't know if the check was stolen out of the US Mail in XXXX where I had sent it from, or in Indiana where she lives. All we knew was that it was in fact stolen. As a Chase Bank customer, I expect that I 'm working with a company that takes these matters seriously and asserts the utmost integrity in protecting their customers and prosecuting the criminals. There was no doubt in my mind that my trusted financial institution, Chase Bank, would help make things right. That was not my experience. In fact it only got exponentially worse. On my initial call to Chase Bank ( XX/XX/XXXX at XXXX CT ), they told me they could n't and would n't do anything because it had been more than 365 days since the check was cashed. This was exceptionally unreasonable to me. Their assertion was that customers who write checks should be responsible for following up with the intended recipient to ensure that 's the person who cashed the check. No reasonable person would agree with this. They also told me that it 's the intended recipient 's fault for not being more assertive in collecting the debt I owed. In other words : She should have called me sooner when she thought I did n't send the check. Frankly, it 's none of Chase Bank 's business how aggressive their customers ' bill collectors are or are n't. They also said that because it had been several years, they no longer have any record of the check or who/where it was cashed. I knew that was an outright lie. Even I had a record of the check including its image, still available through my online account. And banks are meticulous about keeping records. I just could n't believe what I was hearing. I had been defrauded for what is an incredibly significant amount of money for my wife and me, and Chase Bank -- the supposedly biggest and best -- the alleged leader in fighting fraud and protecting their customers -- was lecturing me about what I did wrong and why they would n't and could n't help me. I asked that the call be escalated to someone who might have more authority, and it was. ( I got the same story repeatedly and am now working to get the recorded calls as evidence. ) Finally as I was awaiting yet another escalation, I mentioned that I have every intention of escalating this beyond Chase Bank if they 're unwilling to do what 's right and help me resolve this. The individual I was speaking to at that point informed me of the " CEO Office '' at Chase Bank. The CEO Office is where customers get sent when they plan to contact the BBB and/or take legal action. On XX/XX/XXXX I received a call from the CEO Office and was assigned a case worker to assess my complaint. That individual listened to my story and agreed that this matter merited additional attention and consideration. On XX/XX/XXXX they called again to tell me they were in fact able to determine not only where the check was cashed, but by whom. This was terrific news. I was now certain that despite the stress of knowing we 'd been defrauded, and having to jump through so many hoops just to get what was right, we would finally be vindicated. For next steps I needed to complete an affidavit which was emailed to me later that day : XX/XX/XXXX. It had to be notarized, and so I was n't able to return it -- also via email -- until XX/XX/XXXX. On XX/XX/XXXX they confirmed receipt of the affidavit. I waited patiently for the good news that we could close this unsettling chapter. No news. On XX/XX/XXXX I sent an email asking for an update. On XX/XX/XXXX7 I got a phone call from my case worker in the CEO Office. She informed me, much to her shock as well, that the department responsible for closing this matter had pushed back. They said that too much time had passed and thus refused to take this matter seriously. My case worker said that she went to her own Manager and told him this merited additional support. He listened as she explained the situation to him, and he too agreed that I 'd been wronged and Chase can/should support me in making things right. I again waited patiently for good news. No news. On XX/XX/XXXX I emailed the case worker to confirm the details we discussed. At that point I was also creating an electronic paper trail because I was again concerned that Chase would victimize me for a second time -- enabling fraud and helping criminals by disabling resolution and punishing their customer. On XX/XX/XXXX I missed a call from the number previously used by the CEO Office. I sent an email letting my case worker that I was now available and looked forward to an update. On XX/XX/XXXX ( today ) I sent another email asking for an update. At XXXX CT today ( XX/XX/XXXX ) I received a call from my case worker. She indicated that she thought she left a voicemail last time she called, asking me to call her back. She apologized for the delay in getting back with me, and said that the hurricane in Texas had disrupted their schedules. Perfectly understandable. I was just excited for what I was still hoping would be good news. Not the case. The case worker confirmed today that Chase Bank would not be refunding the money because too much time had passed. I wrote a check and it was stolen out of the mail and cashed by someone else. Neither I, nor the intended recipient, share any burden here. It 's unreasonable and unacceptable to hold me accountable for following up to find out who cashed the checks I write, or to hold those I owe money to accountable for being more aggressive in their debt collection efforts. Moreover, XXXX knows exactly who committed this fraud against me. It was one of their own customers, and they 've since taken action against that individual. If too much time has n't passed for them to take action against the individual who they know for a fact defrauded me, then too much time has n't passed for them to refund the money that is rightly mine. Additionally, had I NOT escalated this matter and taken Chase Bank 's initial " customer service '' at their scripted word, then the person who defrauded me would be unknown to Chase and potentially still out there defrauding people. In other words, if Chase had it their way, then nothing would have been done to mitigate this easily-resolved instance of fraud -- and hold accountable the US mail and bank fraud criminal who perpetrated the crime. Finally, I 've carefully reviewed Chase 's most public language ( online ) about how seriously they pretend to take check fraud and how much they pretend to want to help their customers resolve it. Nowhere do I see any language about a statute of limitations, let alone the one year time frame I was initially given -- or the 3 year time frame that is now being used to excuse their inexcusable failure ( s ). It 's unacceptable that I was initially told they 'd do nothing. It 's unacceptable that I was lied to and told that they no longer have those records. It 's unacceptable that they were perfectly happy to let a criminal go free to commit more US mail and check fraud, if only I would have let the situation go. It 's unacceptable that they have victimized me a second time by refusing to do what 's right, even amid the most blindingly-obvious evidence that I 'd been wronged. This is not behavior I 'd expect from a small bank, let alone an alleged banking leader that purports to take fraud and customer security so seriously. I 'm tempted at this point to ask for more than the {$1000.00} that is owed to me, and will obviously be taking my business elsewhere despite having nearly 20 accounts all tied up in my Chase account including direct deposits, automatic bill pay, and saved banking information. The stress and strain of this entire experience has been exhausting and infuriating. I 've already consulted with a litigation attorney and was informed that these formal complaints are my best first step. I 've also aired my grievance publicly and will continue to do so with the hopes of a ) resolution, b ) assurance that Chase takes steps to make sure no other customers have to go through what I have, c ) drawing attention to this specific matter and d ) making other consumers aware of Chase 's absence when it comes to integrity in holding criminals accountable and protecting their customers ' interests. Thanks only to my persistence, they 've held accountable the criminal who defrauded me. But under the lazy protection of red tape and their corporate largess, they 've not only refused to set things right with me -- but they 've made matters worse by showing me that they 're perfectly willing to let their own customers be victimized as long as they can get away with doing so. | ||||||
| 10/21/2023 | Yes |
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| In or around XXXX XXXX XXXX I created a XXXX XXXX XXXXXXXX XXXX account and booked a a Trip to XXXX XXXX XXXX XXXX When I created the account I used my personal email account and used my Husband name as I thought I would be able to add my name later to the reservation. It didnt let me do that so I just moved on and booked and payed for the trip.(Awesome resort BTW) We went on our trip and started earning rewards. I had a great time at this resort and thought ok lets try another one as we had our 20 year anniversary coming up and we were looking for a resort to hold our ceremony in XXXX of this year so we were trying to decided if we were going to hold our ceremony in XXXX XXXX or XXXX in XXXX of XXXX. We then booked a trip to XXXX XXXX XXXX in XXXX of this year. Somewhere through this I kept getting an offer for a credit card through the XXXX app that if I applied I could get XXXX points if I spent XXXX within a certain time frame. In addition Id get extra point for booking and paying for rooms with the card and could get an additional XXXX points if I booked a stay with XXXX and spent a certain dollar amount. As well as bonus points for each dollar spent.So I applied for the credit card through the app as I knew I was going to using the card to pay for my upcoming trip in XXXX and XXXX of this year and thought with both trips and could earn almost enough points and awards for discounted or free point trip in XXXX. I clicked on the application through the app and login and was able to load my email, name and all my personal information into the credit application and was approved. So now I was excited to to start spending and earring my rewards. I then took my trip in XXXXof this year and payed for my stay with my card and was excited to see how many points and awards we would get after we got back. During my stay in XXXX at XXXX XXXX XXXX of this year I had an awesome time and stayed in club level room with a swim out on the adult side. (Also a gorgeous room) The resort was awesome and we spoiled by our butler XXXX. We told her we were there to see if we wanted to hold our 20 year wedding vow renewal there. I expressed to her that we would be booked a room for us and one for our kids and their significant others and wanted to make sure we would have rooms together as we knew this is where we pictured having our vow renewal with family. She walked us up to the the front desk as I had already booked the room for my stay in XXXX this resort and had the front desk request that we got rooms together on the adult side swim out rooms as while we were there the family side was really loud and we wanted a quieter experience for our vow renewal. We talked to front desk and they said we would be together on the adult side together.I was assured all was good and they would see us in XXXX. When I got back I booked our vow renewal for our upcoming stay in XXXX with the wedding planner. After I got back I logged into my account and saw I wasnt getting credit for my spends on the cards and my nights werent showing up. I opened up the chat and then talked to a XXXX agent. We then figured it out that it had his name on it and it didnt have my reward number on it. The chat represent had me verify my email and updated my account to now say my name and reflect my XXXX number. They also corrected my stays and everything looked good so I went on to plan my wedding with the wedding director and got excited with our family for our upcoming stay in XXXX for both rooms on the adult side. Fast forward to XXXX We booked our room for the XXXX Our room that we booked for our kids was from the XXXX and we had our vow renewal scheduled for the XXXX and we were super excited. When we got there we to check in and they said our room on the adult wouldnt be ready until the next day and they couldnt tell us if our family would be next to us. I told him that we got this all figured out in XXXX when came down and this isnt what we were told. He said we had to to stay on the family side and that management would be in contact with me. He told me that unless I had an email from XXXX saying we were supposed to be on the adult side with connecting rooms that all he had to was put us in the same category of room. I asked him if it was usual to have someone book a stay and be moved around during their stay especially when they are having a wedding. He basically told me so sad to bad management would be in touch. This started a downward spiral on something that was was supposed to a beautiful moment for me and my family and my wedding. We were then taken to our room on the family where it was much louder and just had a different vibe then what we expected. 3 doors down from us the was a couple fighting. I couldnt unpack my bags as I was being moved the next day to the right side of the resort. Management called me several times and said they were working on it and still could tell me if my family would be on the same side as us. I spent half the evening crying as this was logging that expected as my trip in XXXX was perfect. I didnt know if I would be by my family and nobody seemed to care. In the morning management called and said they were still working on it and I would know know late afternoon about my change. My wedding dress was still packed and spent most of the morning crying not understanding after how I booked a stay in XXXX and being assured all the details would be handled that this could be the experience I was having. I just never thought this would be how this trip of lifetime would be going for me and my family. On the morning of the XXXX they said we wouldnt be able to be moved till late afternoon and couldnt tell us if we would be together I reached out to XXXX customer service directly by getting the number off the app. I spoke with a lady and explained the whole situation and she then reached out to the resort directly. After a long time on the phone with talking direct to the resort management she was able to get them to move me immediately to my room and got them to make sure my family would also be on the same side as me and our rooms were together. This was a terrible start to our vacation but at least we getting moved. There was no happy anniversary banner in our door nor special treat in the room like when we had come down in XXXX We had ti ask for the anniversary banner to be put on our door and just would have thought after all that they would have done this or something to say sorry for the inconvenience. After we moved we tried to shake it off and just move forward to our vacation and ceremony and try and be happy. The resort wasnt as festive as is was in XXXX I am sure due be the slower season.There werent as many food options and the employees just didnt seem to be as happy and accommodating as they were in XXXX Super XXXXXXXX shared with me they there was new management and they just didnt seem to care about guest like they did before. We had a dead coachroach in our room and nobody cared about just told me to flush it. This was a pretty big coachroach and nobody came to inspect the room. After my experience in the 1st 2 days I wasnt going to escalate it further as my plan was to call XXXX direct after we got home and file a complaint. I do have a picture of him if you would like to see. We did only see the one. Everything for the most part was good after all that. We went about our vacation and vow renewal and had a good time. Our names were spelled wrong on our wedding certificate and when we got back after paying for an edited 2 hour photo shot they told us it was XXXX dollars to retouch every photo. This should have been disclosed when we booked the photographer and was frustrating having to ask for the all the photos but I did get it sorted with XXXX but again people should know these arent fully edited photos. So know we get back and get settled back into our routines and I have time make my complaint as I got nowhere with the hotel directly and have had positive experiences eveytime Ive chatted or called XXXX. I made a chat complaint and just asked for all the stuff we went through if they would give me a free night stay in 1-7 category room since I was in a room I didnt want to be in and asked for some points to be comped to me. I wasnt asking to be credited back on my credit card just asked for a couple perks which I felt was a fair request given all the things we went through the 1st 2 days.she also helped correct the days that we stayed as they were wrong in the app. I kept logging it my account to see if anything had been credit and nothing. No email no credits. I then reach out via chat and asked if there had been any resolution on my account and they just said it was noted and I would need to call. I then called XXXX direct and asked how it was going on my request. She told me that it wasnt really a complaint through the chat but she would look into it and see what she could do. She then told there was a problem with my account that the name change that was done in chat never should of happened and that she would have to escalate this and that someone would be in touch via email. This was the first time I knew there was a problem on our account with the name. She said that she would handle this and the complaint and expect to see an email. I never received any emails from XXXX regarding this so I just kept logging in.I then logged in and saw all my points and award were gone. So I called and they said my account was under review. That to give a week and call back. I told her it was frustrating as there were trips I wanted to book and was hoping to get this resolved so could book the trips. She said to check back in a week. Fast forward another week I know when I try to log into my account and I am fully locked out. Again I call they say my account is under review. The lady assured me all my points and awards were there and that I would be notified when its handled. I never received an email from anyone that my account was under review I never received and email saying they were working on it just locked me out of the account and I had to trust my points and reward were safe. She did say she was going to escalated it and in a day or so I got an email saying my account was fixed. I logged in and everything was still there.I then responded to the email thanked them for fixing my account and asked about the complaint. I got another response back that they wouldnt give me a credit for 1-7 category Hotel. I was upset about this so I logged into my account again and almost all my points were deducted from my account. I had XXXX point and I only have XXXX points. Those were points I earned under a credit card in my name with my reward number with all my information. Now they are saying we have to have 2 accounts we dont need 2 accounts.and they want his email address. I am loosing points award and credits by doing this. I did as I was I instructed during the XXXX chat and now they are trying to force me into 2 accounts and I will loose all the award for point. These have all been my bookings my award and my done through my email and paid for with my credit card. | ||||||
| 11/14/2022 | Yes |
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| Below you will find details regarding Friday XXXX XXXX fraudulent call. 1. The scammer replicated the Chase phone number on the back of the card. 2. XXXX ( scammer ) alerted me to actual fraudulent charges in my account. a. Two from XXXX in XXXX, NV and one from a printer in XXXX 3. The wire transfer amount can not be arbitrary as it was the amount in both accounts. 4. XXXX XXXX scammer ) was aware of both business and personal accounts 5. Per XXXX a CS from Chase fraud Scammers are getting good with the IDs as it closely resembles ours. 6. XXXX tricked me into thinking what I was doing was reversing a fraudulent transfer going out. 7. If XXXX knew so much was there a breach of data at Chase? 8. XXXX XXXX XXXXXXXX Is the scammer running all his stolen money through their bank? 9. The money stayed in the account all weekend and was taken Monday night. 10. I asked for the recordings of the 3rd customer service people who spoke to who said, the wire was stopped in time. Also, the recording of the manager who hung up on me, as well as the manager who stated, If we told you we stopped the wire, I feel like we are partially responsible. 11. When was the wire actually stopped? 12. XXXX from Chase Corporate left me a message stating, They are taking my claim seriously and need more information. I called back 2x to talk to them and left a message. A few days later without having additional information, Chase decided I was scammed, sorry but they will not help with anything. ( Claim XXXX ) Events as they happened. XX/XX/XXXX Sitting at the light of XXXX XXXX XXXX and XXXX XXXX XXXX Incoming call XXXX XXXX from Chase We noticed there may be fraudulent activity on your card o Did you make twos purchases from XXXX in XXXX, NV and one from a printing company in XXXX I responded absolutely NO XXXX, can you pull over and login to your account and see if there is anything else suspicious? I pulled into the XXXX XXXX parking lot and checked my account. Logging in on my phone. o Confirmed those charges were indeed showing in my business checking account. XXXX Are you sending out a wire? Me Absolutely not! XXXX We need to reverse the wire its {$11000.00} I am in a state of panic knowing there were fraudulent charges and the possibility of a wire. XXXX You need to move the money out of the business account and into your personal account where they have not touched anything. I put him on mute and called my husband XXXX from my friends phone and asked him to call Chase. My friend had been sitting next to me the entire time. XXXX then walked me through steps to reverse the wire which looked like creating a wire, so I had concerns, but the phone number matched, and he did call me about fraudulent charges. I went to hang up and XXXX interjected that if I dont reverse the transfer quickly the scammers will get it. XXXX check the phone number on the back of your bank card ( which I did, and it matched the number he was calling on. I even had my friend eyeball it to confirm ) o He said his ID is XXXX I told XXXX to do it himself and he said the only way was if I do it. XXXX ( who was at home ) called Chase and told them, NO ONE AUTHORIZED A WIRE! The Chase CS restricted the account at that moment. The specific instructions XXXX gave me was that the scammers name is XXXX XXXX. In order to reverse I need to enter my address with Reversal Invoice XXXX XXXX said to change my password which I did but then got locked out. He kept saying it was the system and not me to hang on. The call dropped. At this point I was locked out of my account. I called Chase again at XXXX and XXXX picked up I explained everything to him, and he felt strongly that we stopped the wire in time. He also asked me what the ID that XXXX gave me. When I read it to him, he said scammers are getting better because that is close to the actual numbers they use with a letter and five numbers. He then sent me on to someone who could get me back into my account. At this point I had to drive and said I would call later knowing that the wire had been stopped. Called again with XXXX between XXXX and XXXX This time the person verified us by sending me texts. Explained the entire situation again and after a long while this person told us what XXXX did. I tried calling 2x on Saturday and was frustrated by the lack of consistency for which the Chase CS representatives confirmed my identity and at this point I didnt trust who was on the other side of the phone. I just hung up and waited until Monday to go to the local XXXX XXXX branch. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX assisted e. I explained the entire thing again. Said I did not want to call XXXX again because there was no consistency in how they verified a person, and I didnt trust who I was talking to. He called fraud and they said that the wire was not stopped in time. I filled out a statement which he scanned over to fraud. XXXX also suggested I fill out a police report, which I did as well as a report with the FBI. I told XXXX that the amount of money could not be arbitrary, that it was all the money I had in my account. XXXX suggested we run scans on our computers and phones. We told him we ran scans on the computers and phone on Saturday XX/XX/XXXX and found nothing, so he suggested also changing the password on our home wifi. XXXX helped me set up new accounts and a password a Chase employee should ask me when I call. He also gave me the proper fraud number to call. I asked XXXX what would happen, He said Chase may be nice and give us our money back and they may not. XX/XX/XXXX Called the number XXXX gave me and got XXXX again. He said he remembered me and said there were no changes yet. That he was sorry Chase didnt have a better process to keep me informed and he wishes it was easier for me to find out what was going on. I was NOT asked the password that was set the day before. XX/XX/XXXX - I decided to call XXXX XXXX XXXX XXXX where the wire went. ThXXXX XXXX XXXX XXXXXXXX website does not offer a number to call. So, I looked up branches in XXXX and called XXXX and XXXX. No answer at either both said I must make an appointment. With no number to call I went to the XXXX XXXX XXXX XXXX page to find a number and the only option was to message them. See below XXXX! Filename not specified. XXXX XXXX XXXX Typically replies instantly XXXX people like this including XXXX XXXX and XXXX friends XXXX XXXX XXXX XXXX XXXX You sent Get started Enter XXXX XXXX XXXX Error ! Filename not specified. Thanks for reaching out to our Help team with your account-related questions. Well monitor and keep a record of what you send us. XXXX also has access to, and can use, any information in this conversation. Enter You sent I am very frustrated that I can't call a number and get a human! I am not a customer but need to speak to someone regarding XXXX of your clients that scammed money out of my account and it went to a XXXX XXXX XXXX XXXX account. If he did this to me, he is doing it to others. It was an elaborate scheme. His account should have been frozen. I need to speak with a human. XXXX XXXX XXXX XXXX XXXX! Filename not specified. Hi XXXX, your message is being routed to a XXXX XXXX XXXX We'll connect with you as quickly as we can. Enter You sent Thank you Enter Tue XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Error! Filename not specified. Hi XXXX. We apologize for the extended wait time. Do you have an account with XXXX XXXX XXXX? ^XXXX XXXX You sent I do not have an account number with you as I said previously. I need to speak to someone about a person who does have account with you and stole money from my account. Enter You sent It was wired into XXXX XXXX XXXX XXXX Enter You sent I want to speak with someone and not XXXX XXXX Enter Tue XXXX XXXX XXXX XXXX XXXX Error! Filename not specified. We apologize, but we are not able to discuss account related concerns with third parties. If you were a victim of fraud, please work with your financial institution to file a claimXXXX XXXX XXXX XXXX XXXX XXXX You sent I saw another complaint on line about this. I want to know how you handle this. I am sure he has done this before and it's assisting him in stealing by running it through your bank. I want to give someone his name on your side and have them look into this. Enter You sent I will continue to find someone to speak with. Enter Tue XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX! Filename not specified. Please send us our client 's full name, zip, and phone number if you have it. Please note, we would not be able to provide details to you. ^XXXX XXXX You sent I don't want you to tell me about him. It's not right he stole money from me fraudulently. Enter You sent XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is more. He impersonated a Chase employee, replicated their CS number and alerted me to fraud, which he most likely created then wired all my money out. Enter You sent The wore was stopped asap but he already took it out of your bank. I am sure I am not the only one. Enter Wed XXXX XXXX XXXX XXXX XXXXXXXX XXXX! Filename not specified. Thanks for the additional information. Please continue working with your bank regarding your claim. ^XXXXXXXX XXXX XXXX XXXX XXXX You sent it was Friday XX/XX/XXXX {$11000.00} Enter You sent please look into this theft Enter Wed XXXX XXXX XXXX XXXX XXXX Error! Filename not specified. We have escalated the concern. Thanks for making us aware. ^XXXX XXXX You sent Thank you. Called XX/XX/XXXX XXXX XXXX XXXX pull up the claim number to verify me did not have the password discussed I asked him for the recordings of the calls he sent me to CS who also couldnt help me XXXX sent me to XXXX in compliance who also couldnt help me. XXXX sent me to a supervisor named XXXX. I asked her for a copy of the calls made on XX/XX/XXXX and she said no, then I asked for a written statement of the calls and she said Chase wont do that and hung up! XX/XX/XXXX XXXX no password told him of my frustrations he said the claim was denied, said unless someone speaks to me, I will call a lawyer and file a complaint. I asked why I wasnt informed, no one called me. He gave me to XXXX another supervisor who listened and pulled me on an extended hold. I explained we were told by 3 Chase employees that the wire was stopped, she is seeing if the calls can be pulled and was there notes to cancel this wire. At this point no one has reached out to me. All accounts, fraudulent wire information and reports are attached to this email as well. XX/XX/XXXX Called Chase corporate and left a message. XX/XX/XXXX XXXX from Chase Corporate called stating Chase is taking my claim seriously and she needs more information. XX/XX/XXXX Called XXXX back and left a message XX/XX/XXXX Called XXXX again XXXX and left a message XX/XX/XXXX XXXX called to state, I was a victim of fraud, and they were doing nothing about it. Even though they did not have any of the extra information they first requested. XX/XX/XXXX Called XXXX back, left a message I was hiring an attorney. | ||||||
| 11/28/2019 | Yes |
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| XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX, President and CEO J. P. Morgan & Chase Co. XXXX XXXX XXXX, NY XXXX Dear Mr. XXXX : I am a chase customer since XXXX and have my savings, checking and annuity with your bank and have been very satisfied with the services it has provided me over all those years. I have had several occasions where my credit card had unauthorized charges and they were removed without much aggravation. Unfortunately, this was no longer the case when I became a victim of the latest XXXX voice Phishing scam and again, sought assistance to resolve this matter with the Chase Credit Card division. Indeed, the reason why I am writing to you is to provide information on how I have been treated -- like a XXXXXXXXin seeking a similar resolution. On XX/XX/XXXX, I found a message on my home answering machine telling, my XXXX XXXX account was hacked and I needed to call a number that was provided. Concerned, I did call. The person answered seemed well informed of this alleged incident and tried to assure me that XXXX prevented unauthorized charges appearing on my account. Relieved, I was about to hang up believing the matter was resolved. He informed my that XXXX needed to do an investigation on my device, my XXXX desktop computer because, my XXXX ID was configured for all my XXXX devices, XXXX, desktop, XXXX, laptop and XXXX touch and needed to be replaced. To accomplish this investigation, he needed to gain access to my desktop to see if a virus or Trojan horse, or malware had infected my computer. Worried, I allowed him to remotely scan my desktop. I did so, with the thinking he gave me a URL with XXXX in the address. He performed what appeared on my computer screen a scan ; this lasted about 15 minutes. Once, concluded, he said, he found my machine was corrupted, and all of my devices had to be returned to XXXX for replacement. I found this a bit incredulous, in particular, because my desktop, XXXX XXXX was purchased in XXXX or XXXX and I thought it impossible for XXXX to have old models on hand. In addition, I configured my machine with three additional internal hard drives and increased the ram to 12 gb. He assured me XXXX could configure the machine but I would need to remove the hard drives once I received the replacement. I was still skeptical. He then said he needed a credit card to assure in good faith that I would not keep my old devices when the new ones were sent to me. He said he needed to place a temporary charge of {$3000.00} to cover them all. I again grew suspicious but I knew that I would call Chase credit card immediately, just in case it was fraud, to prevent the charge to go through -- - as indicated on your literature. Indeed, I make it a practice to call Chase Credit Card whenever I make a large purchase of over a thousand dollars. When I spoke to the agent, I explained everything that transpired and added, that I believed it was fraud, and could he assure me it was in fact XXXX placing a charge on my account. I also emphasized two important points. 1 ) the charge should have reflected multiple items as the, what I will call the fraudster, alleged. And, 2 ) to document everything I shared about this call, just in case it was fraud. The agent assured me it was XXXX, and I had nothing to worry about because I was covered. I felt relieved. Days later, I was contacted by the fraudster a few times where I was supposed to receive the first of several packages, of replacements for my devices. I have attached the transcripts as well as the audio ( flash drive ) of two of the calls left on my cell phone, with call back phone numbers. I was told the first package would contained a device, unsaid which, and it was not configured properly and it needed to be returned. I was firmly told not open the package. An email with a shipping label would be sent for me to print out and affix to the package for me to give to XXXX. I received a package that appeared to be the size of a laptop but to be sure, I placed it next to my laptop box that I kept and it was a bit smaller, and the box was heavy on one side that made me suspicious. I received the email. I printed it and attached with the other documentation. I then called the number to confirm they tracked the number to insure it was in the XXXX system. When I spoke to the person, he appeared startled by my inquiry. The next day, I called about when the other package would arrive and the number ceased working. I then called Chase CC to alert of the scam as well as XXXX tech support. XXXX told me that they were well aware of this scam, and that I was a victim, and that hey never call customers. Tech support scanned my desktop and ran XXXX XXXX to see if the fraudsters left any traces on my machine. Next, I was instructed to delete the program they installed on my desktop. Now in the trash, I emptied it. He felt assured my machine was okay but if I experienced any problems to call back. The Chase CC told me not to worry because I was covered but they would have to contact XXXX to address the matter. The charge was changed from positive {$3000.00} to a negative. I felt relieved thinking this fraud situation would be over as before. I received a call from Chase CC telling me that XXXX would not settle the matter and I was responsible for the charge. I explained, I was the victim, and I thought I was covered. I was told to call XXXX, and explain what happened and ask to be reimbursed. I thought this was incredulous. I said, how am I going to ask XXXX to reimburse me when I did not make a purchase. At this point, I did not know what the fraudsters bought from XXXX. Chase provided all of the information, serial number, and other numbers to provide to XXXX. When I spoke to XXXX Customer Service, they were very aware of the scam. I told them Chase told me to call to seek reimbursement. The XXXX person nearly laughed. I felt humiliated. She said, the banks always settles these cases and why wasnt mine doing the same. I was told to call Chase and explain, that XXXX never reimburses people who have been defrauded. The agent attempted to connect me with tech support to place a trace on the laptop but they never did. Why, I dont know. When I called Chase CC, I was told that now I would have to open a case with the fraud division. I received the first of I believe, three calls, each of which made me feel harassed and not as if they were working to help me, but to incriminate me. I was told to produce anything to prove I was defrauded. At that time, I had not remembered if I saved anything that I could provide. So, I began to retrace everything that occurred. I was told first, to ask XXXX, it they could provide, in writing, something to the effect, that they dont make telephone calls. XXXX provided more of a company policy but not directly stating this ( attached ). I sent it in anyway. Days later, I received another call, asking for more information. I looked for the email for the tracking label, found it and sent that in. ( I went to the XXXX website and entered the tracking number and found the package was sent to an address in Ohio, with the person who signed for it ). I next found the voice mail messages on my cell phone, printed it out and sent that in. I then called XXXX to see whether it was possible to obtain a copy of the conversation I had with the technician that scanned my computer. I was told they could, but I had to request this information through its website. This information was sent to me in an email with a link to a file I had to down load. What I found was not a narrative but an XXXX spreadsheet. ( included with this letter ). But it did indicate Fraud and Phishing. At this point, I surmised, wrongly, that the fraud division was using all of the information I provided to work with law enforcement to track these fraudsters or at best catch them. I was shocked to learn none of the information I provided was ever used. How do I know this? When I received the letter on Friday, XX/XX/XXXX, that the investigation was concluded and I had to pay, I called Chase to explain what happened. I was told, I had to speak with the CC division to see what they could do. I spoke with a male person, who, without any reservation, said there was nothing that could be done. The case was closed and that I could write to you and it would not make a difference. Furthermore, that fraud division, for all intents and purposes, was there as means to further deny my appeal. I was told to send all of the information that I sent to the fraud divison to the Chase Executive Office in XXXX, Ohio, but that would be a waste of my time. He suggested I seek outside assistance but was not forthcoming with where or whom I should contact. I asked him, if this happened to him, would he pay. He said no. I am writing to you because I am not paying this charge because, first, I have been victimized by the fraudsters, and second, by my bank that uses my money to make money, and put me through XXXX only to tell me that everything was done to assist me. Yet, I did all of the legwork. Not once did I receive a call to tell me they received the information I sent, and when I told I had the audio recording, there was no interest. Really. I imagine even a rookie cop could put all these pieces together and solve this case. I have lost countless hours of sleep worrying about the stress I underwent and continue to experience even as I write this letter. My question : why has not Chase and XXXX worked together with law enforcement to protect your customers from this crime? There was a commercial years ago that said : you have a friend at Chase. Do I have a friend at Chase? Does Chase stand by its claim of fraud protection. I read, the cardholder must notify the bank once they learn of the possibility of fraud. I called within seconds of receiving the call. The person answering the call should have seen the charge was for one item, and not several items, devices, as the fraudster claimed. In that instant, he could have detected the fraud and blocked the charge from going through. Yet, I am the one who is being denied when I did the right thing. This whole investigation was an artful construction of an alternate reality. I expect you will have someone look into how your credit card division it treats your customers. This is a travesty. Clearly, some restructuring is in order, retraining or maybe replacing people who are not capable to deliver the sterling customer service that your ads and brand espouse. I would also like to add, out of the numerous persons I spoke with, only one said, we value your business and want to keep you as a customer. I expect you will do the right thing and keep me as a customer. Failing that, America needs to know how your bank treats its customers. I eagerly look forward to your Banks response. Per credit card XXXX Sincerely, XXXX XXXX, XXXX. XXXX XXXX CC : FBI CC : New York State Attorney, XXXX XXXX CC : XXXX CEO, Mr. XXXX Encl. ( flash drive and copies ( 27 ) | ||||||
| 12/20/2022 | Yes |
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| Reason of dispute : I didnt receive the services what I ordered or service that was promised to me by merchant XXXX XXXX XXXX XXXX : Chase Freedom XXXX XXXX XXXX XXXX Amounts disputed : XXXX, XXXX USD Service that was requested : I had a call with an XXXX agent asking her what exactly I need to do to improve my ranking for a certain keyword. I had rated X without XXXX help, and an agent told me to run a campaign to get around Y no. of installs per day for a specific keyword, and I should see the ranking for that specific keyword improved. I followed her instructions. Campaign was completed in a few days. I checked my ranking. It went from XXXX to being Unranked. XXXX is the term used when you are not ranked at all among the top thousands. Same happened with some other keywords also. Instead of my apps rank getting improved, it got absolutely worse which was no rank at all. I already had rank XXXX something. For someone who knows how keyword optimization works in the XXXX app store. It takes months, and sometimes years to get ranked on certain keywords especially high traffic keywords. It took away all the hard labor we put on our app for years, and years in just minutes because of the way they ran their service. We got panicked, and reached out to XXXX telling them the situation, and they said they will investigate it, and respond between 5 to 7 days. A week passed by, and no response from their side. Finally, I was able to schedule a call with their representative. I explained her situation, and showed her how rank got so much worse, and your service not only didnt work but, made it worse. She agreed to it and said let me see what I can do. I will get back to you. I even ask her to give the balance back or refund me money. She said she will investigate it. She was the same person who guided me on campaign and told me to run campaigns for certain keywords and told me what the right number of installs I will need to get higher ranking, and she said do not worry, we guarantee the rank increase. We know what our AI is doing, we know how app stores work. If you see their website. It has guaranteed app rank, guaranteed app downloads etc. so many guarantees, Their representative was saying the same thing over, and over, and I asked her are you sure It works, Are you sure your service will not make the XXXX app store feel like it's spam or something? She said No, we have been doing this for years, and we know what we are doing. Well, Long story short. After a few days, we got an email saying no, as per our policy, we dont refund. We actually didnt receive the service they promised and did a lot of damage to our app store reputation. Numbers dont lie, and they themselves acknowledge that the outcome was not just what was promised but moved us way far from the ranking we already achieved through our hard work of years. I am going to attach some screenshots of conversation, and rankings before, and after their service to help you understand the situation better. We trusted XXXX, and tried their service in a good faith, and ended up damaging our reputation on store, and XXXX just doesnt want to listen to us or help us rectify or redo or anything to make us go back to where we were. They dont want to do any kind of help after so much damage. And dont want to offer any compensation in any way, shape or form. After completely exhausted by asking them for help back, and forth. We decided to take help from Chase to dispute all the transactions. Thank you! Credit card company made decision in favor of merchant. I tried making appeal but, they said they can't accept anymore as I surpassed the dates. Below was was appeal argument : Reason of dispute : I didnt receive the services what I ordered or service that was promised to me by merchant XXXX XXXX that was requested : I had a call with an XXXX agent asking her what exactly I need to do to improve my ranking for a certain keyword. I had rated X without XXXX help, and an agent told me to run a campaign to get around Y no. of installs per day for a specific keyword, and I should see the ranking for that specific keyword improved. I followed her instructions. Campaign was completed in a few days. I checked my ranking. It went from XXXX to being Unranked. Unranked is the term used when you are not ranked at all among the top thousands. Same happened with some other keywords also. Instead of my apps rank getting improved, it got absolutely worse which was no rank at all. I already had rank XXXX something. For someone who knows how keyword optimization works in the XXXX app store. It takes months, and sometimes years to get ranked on certain keywords especially high traffic keywords. It took away all the hard labor we put on our app for years, and years in just minutes because of the way they ran their service. We got panicked, and reached out to XXXX telling them the situation, and they said they will investigate it, and respond between 5 to 7 days. A week passed by, and no response from their side. Finally, I was able to schedule a call with their representative. I explained her situation, and showed her how rank got so much worse, and your service not only didnt work but, made it worse. She agreed to it and said let me see what I can do. I will get back to you. I even ask her to give the balance back or refund me money. She said she will investigate it. She was the same person who guided me on campaign and told me to run campaigns for certain keywords and told me what the right number of installs I will need to get higher ranking, and she said do not worry, we guarantee the rank increase. We know what our AI is doing, we know how app stores work. If you see their website. It has guaranteed app rank, guaranteed app downloads etc. so many guarantees, Their representative was saying the same thing over, and over, and I asked her are you sure It works, Are you sure your service will not make the XXXX app store feel like it's spam or something? She said No, we have been doing this for years, and we know what we are doing. Well, Long story short. After a few days, we got an email saying no, as per our policy, we dont refund. We actually didnt receive the service they promised and did a lot of damage to our app store reputation. Numbers dont lie, and they themselves acknowledge that the outcome was not just what was promised but moved us way far from the ranking we already achieved through our hard work of years. I am going to attach some screenshots of conversation, and rankings before, and after their service to help you understand the situation better. We trusted XXXX, and tried their service in a good faith, and ended up damaging our reputation on store, and XXXX just doesnt want to listen to us or help us rectify or redo or anything to make us go back to where we were. They dont want to do any kind of help after so much damage. And dont want to offer any compensation in any way, shape or form. After completely exhausted by asking them for help back, and forth. We decided to take help from Chase to dispute all the transactions. Thank you! I want to dispute the charges again, I absolutely don't agree with the charges being valid. XXXX said I received full services from them, and I didn't. I begged them to work with me after the rankings went completely wrong as they directed me to start a campaign for a keyword through the high volume of installs just to make extra money. Later on, I discovered how bad practice is it and I am pretty sure they do that to every client, and some of them unfortunately have to suffer consequences of going downward spiral on reputation in store, and losing audience, and potential revenue, and then, they blamed it on me. I was okay to work with them even after the unaltered damages that I suffered, and pretty much begged them to either give me some kind of assistance in terms of refunding me for those campaigns or issue me a credit or understand the situation they have put me in. they ignored my emails until they heard from Chase - you guys about the dispute. Then, all of the sudden, I got an email saying what's wrong, we got a dispute from your credit card company. I told them why don't you read all the emails I sent you begging you to work with me. I can provide you with those email threads. 2. Yes, I had meetings with XXXX XXXX, and in those meetings, they did their marketing where they told me what keywords to go for, and what should be the number of installs to achieve a certain ranking. they could have easily avoided this issue if they were not greedy, and had not told me to set a high install volume to achieve ranking just to earn extra money so, I consider it as not even a service. I consider that I was not provided the service I was told, and guaranteed. 3. No, there was no clarification on terms or conditions by anyone from XXXX. I have only spoken to one person over meeting calls ever. Her name is XXXX XXXX. She was the one who asked me to increase the volume of installs. She kept saying we know what we are doing, and we guarantee... Yes, XXXX times she used the word " GUARANTEE '' of achieving the rankings as per her directions which was basically to make the campaign bigger, and now, I know it was the way for her to make me spend more money on the platform, and had no real results, actually negative results. I suggest you take an introductory call with her as a customer to see what I am talking about. On top of that, take a look at their website, XXXX XXXX XXXX, and tell me if they don't advertise that they guarantee app rankings which is a false advertising. 4. You shouldn't believe the rankings they are providing. it's their own platform, they can provide whatever they want, and for us, it was different. XXXX pulled down ranking from our top revenue generating keyword so, I highly regret being on their platform. 5. No, XXXX reps for various teams have never explained to me on any occasion that XXXX might remove our services. When did I ever speak to various teams??? I spoke to one person only, and she told me don't worry, we know what we are doing. It is almost guaranteed to get the results SO, ITS wrong to say that XXXX never said they guarantee the results. Actually, that was the selling point for me to get to their platform, they clearly said that. 6. I elaborated, and went on the path for weeks, and weeks to try negotiating with XXXX, and I had enough when they consistently ignored my results, and refused to work with me, so I had no choice but to take my credit card company 's help. They didn't provide me with the services they promised. I can explain each and every point in detail as I am the one who is facing consequences not the XXXX. Please contact me through a call, and I would be happy to provide all info. in details. Thank you! I request you to re-open the dispute | ||||||
| 11/20/2023 | Yes |
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| I am a federally protected CONSUMER under title 15, chapter 41. I am a natural person and the original creditor in all consumer credit transactions in which I have participated in. Chase has violated 12 CFR 1002 Regulation B by failing to notify me in writing that they were taking adverse action and closing accounts ending in 3116 and 5285. The accounts were closed after a billing error dispute with the account ending in 3116 in which Chase remains in dishonor for failing to perform a discharge or mutual offset with the U.S. Treasury. There was no billing error dispute with the account ending in 5285. However, Chase performed an unauthorized credit check to cover up the illegal adverse action. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any `may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Chase is unable to produce the authorization from me to check my credit before closing the accounts in 3116 and 5285. 12 CFR 1002 Regulation B states : ( 1 ) When notification is required. A creditor shall notify an applicant of action taken within : ( iii ) 30 days after taking adverse action on an existing account; or ( iv ) 90 days after notifying the applicant of a counteroffer if the applicant does not expressly accept or use the credit offered. ( 2 ) Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation. Chase committed fraud by saying they were unable to perform the discharge, yet keeping the 1099A, and failing to provide a Notice of Dishonor from the U.S. Treasury, and a copy of the accounting paperwork for the account such as 1096, 1099OID, 1099A, INC, PRC etc. Chase continued to commit fraud by claiming they notified me of the adverse action when that was not the case. Chase illegally checked my credit to come up with the excuse that the account ending in XXXX was in bad standing when it never was. Chase previously received via certified mail XXXX XXXX XXXX XXXX XXXX XXXX and secure messaging, Non-Negotiable Notice of Default in Dishonor and Estoppel. The notice stated that since the account ending in XXXX was not credited via a discharge or mutual offset and Chase failed to properly honor my counter claim to Chases offer to contract, I therefore owe nothing, there can be no negative reporting to the credit reporting agencies and this matter should have been closed and settled. UCC 3-603 ( b ) states that : If tender of payment of an obligation to pay an instrument is made to a person ( in this case Chase ) entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. A tender of payment was presented was presented to Chase in the form of a negotiable instrument. Since the tender was refused, and the principal account was not credited, there is discharge. This fact can not be refuted in the court of law. https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to UCC 3-104, a negotiable instrument is ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; and ( 2 ) is payable on demand or at a definite time ; https : XXXX Pursuant to Notice of dishonor ( Bills of Exchange Act ) 95 ( 1 ) Subject to this Act, when a bill has been dishonored by non-acceptance or by non-payment, notice of dishonor must be given to the drawer and each endorser, and any drawer or endorser to whom the notice is not given is discharged. The NON-NEGOTIABLE NOTICE OF ACCEPTED CREDIT ISSUED both requested a notice of dishonor from a qualified third party if the expressed instruction could not be fulfilled. Due to the fact the bill was dishonored, a notice of dishonor was to be sent to each drawer XXXX XXXX XXXX XXXX ) XXXX However, XXXX : XXXX never received a notice of dishonor from Chase or the qualified third party ( U.S. Treasury ) therefore the account ending in XXXX was to be discharged rather than inaccurately reported as late or past due. This is another fact that can not be refuted in the court of law. https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase has willfully and negligently placed inaccurate information on my consumer report for account XXXX which is a defamation of my character and a violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Under 15 USC 1681a - Definitions ; rules of construction, in particular 15 USC 1681a ( 2 ) ( B ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. Furthermore, a credit card is defined under the Truth in Lending Act or 15 USC 1602 under Definitions and rules of construction, as : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card refers to the fact that my own credit card or social security number in this context was used when I did business, therefore my own social security number was used to extend credit to myself in these transactions. Continuing with USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. Transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine therefore these accounts listed above must be deleted immediately. Under 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ; Congress finds that ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. It is obvious that my right to privacy as a consumer has been violated by publicly reporting this inaccurate information when I NEVER gave Chase permission to report in the first place. As per 15 USC 1666 ( b ) entitled Timing of payments under ( a ) Time to make payments clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Chase is continuing to report late payments for the account ending in 3116 which is yet another violation of 15 USC 1681s-2. In Responsibilities of furnishers of information to consumer reporting agencies, where we see ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Of course, prohibition means something that is not allowed. This law says a person ( in the legal sense a person is a corporation like Chase ) shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I repeat and reiterate that I NEVER gave Chase or any other agency written permission to furnish information about account XXXX on my consumer credit report. In conclusion, The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These blatant violations committed by Chase impair the efficiency of the banking system. Chase has violated my privacy with my consumer report, as I am the only one who can control what is listed and what is not. Since these accounts were reported without my written consent, that is considered identity theft. These violations are excessive and lead way to civil liability against Chase under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance. Since Chase has refused to provide validation of the account XXXX i.e. an agreement with the wet ink signature of both parties, nor has Chase provided a valid document where I gave written permission to check my credit and to report on my consumer report then Chase must immediately remove account XXXX from the credit reporting agencies, or pay me at least {$1000.00} per violation as the law provides. Chase is responsible for my suffering of defamation of character, stress, loss of opportunities etc. due to Chases violation of the FCRA. | ||||||
| 06/08/2017 | Yes |
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| XXXX is attempting to collect a fee from me that I do not owe them, here is my letter, Date : XXXX XXXX 2017, I AM NOT THEIR MEMBER, IM NOT THEIR CUSTOMER, IM NOT THEIR CONSUMER, I HAVE NOT CONSENTED TO THEIR SERVICES, SO WHY ARE THEY IN MY LIFE MAKING FALSE DEFORMATORY STATEMENTS? NO OTHER REASON I CAN FIGURE EXCEPT TO EXTORT $ $ $ $ , Extortion > > > ( also called shakedown, outwrestling, and exaction ) is a criminal offense of obtaining money, property, or services from an individual or institution, through coercion. It is sometimes euphemistically referred to as a " protection racket '' since the racketeers often phrase their demands as payment for " protection '' from ( real or hypothetical ) threats from unspecified other parties. Extortion is commonly practiced by organized crime groups. The actual obtainment of money or property is not required to commit the offense. Making a threat of violence which refers to a requirement of a payment of money or property to halt future violence is sufficient to commit the offense. Exaction refers not only to extortion or the demanding and obtaining of something through force, [ 1 ] but additionally, in its formal definition, means the infliction of something such as pain and suffering or making somebody endure something unpleasant. [ 2 ] Extortion is distinguished from robbery. In robbery, whether armed or not, the offender takes property from the victim by the immediate use of force or fear that force will be immediately used ( as in the classic line, " Your money or your life. '' ) Extortion, which is not limited to the taking of property, involves the verbal or written instillation of fear that something will happen to the victim if they do not comply with the extortionist 's will. Another key distinction is that extortion always involves a verbal or written threat, whereas robbery does not. In United States federal law, extortion can be committed with or without the use of force and with or without the use of a weapon. In blackmail, which always involves extortion, the extortionist threatens to reveal information about a victim or their family members that is potentially embarrassing, socially damaging, or incriminating unless a demand for money, property, or services is met. The term extortion is often used metaphorically to refer to usury or to price-gouging, though neither is legally considered extortion. It is also often used loosely to refer to everyday situations where one person feels indebted against their will, to another, in order to receive an essential service or avoid legal consequences. Neither extortion nor blackmail requires a threat of a criminal act, such as violence, merely a threat used to elicit actions, money, or property from the object of the extortion. Such threats include the filing of reports ( true or not ) of criminal behavior to the police, revelation of damaging facts ( such as pictures of the object of the extortion in a compromising position ), etc. XXXX XXXX RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material factt 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than twoparties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards | ||||||
| 10/22/2023 | Yes |
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| On XXXX XXXX XXXX I called Amazon for assistance in placing an order, using the same phone number I had relied on for years. A recording informed me the number was no longer in use but didnt provide me with a new one. I XXXX Amazon and clicked on a number that came up on a website, and a supposed Amazon representative picked up the call. He told me that an air purifier had been ordered on my account by an unknown person. Eventually I was transferred to XXXX XXXX who told me a huge spy network had managed to remove XXXX from my Chase savings account. He gave me specific details as to exactly what had taken place and assured me that he and the investigative team at Amazon could get my money back through a method he referred to as a duplicate charge over. I would need to withdraw XXXX in cash right away, after which he would tell me the next step. I was frantic and felt helpless so never questioned the plausibility of what he told me. At the XXXX XXXX branch of Chase Bank, I told the teller that I needed to withdraw XXXX from my savings account. She said that normally the bank asked for a phone call prior to a request for such a large amount. I asked to speak to someone else and a woman came from the back and asked me several questions. I explained that I planned to use the money to help my granddaughter who had lost her mother (my daughter) a month and a half before and then XXXX XXXX two weeks later. Both these things had happened, however, I obviously did not intend to use the money as I said. I confirmed that I wouldnt be giving the XXXX to my granddaughter in a lump sum, but would be doling it out, which should have raised the issue as to why I needed to withdraw the whole amount at that time. When I told the representative where my granddaughter lived, she said that she felt better to learn that it was within the country. During the conversation I was presented with the issue that scams were often targeted at the XXXX and I remember that a reference was made in the bank lobby after I had received the cash. I acknowledged that I had heard that this was happening, however, l completely believed that, although I had been the victim of a scam, what was taking place now was in order to fix it. Had the bank described the earmarks of this particular type of scam, I would have been able to recognize that it applied to me. Instead, they allowed an XXXX XXXX XXXX woman to leave the bank with XXXX which had been put in a box that had held penny rolls, and walk across the parking lot to her vehicle, without a bank employee involved to see that everything appeared to be under control. On XXXX XXXX a courier came to my house in the morning and picked up the money. Soon after, the perpetrator of this cruel scheme called to inform me that the bad guys had now gotten ahold of XXXX more of my savings, so we would have to do another duplicate charge over, this time by a wire transfer. The agent who assisted me at the XXXX XXXX, apparently did not have a problem with the fact that I had just made a large withdrawal the day before or that the money was being sent to a bank in XXXX XXXX When she asked if I knew the recipient (who had a distinct XXXX name), I explained that he was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dont think either my reason, or manner were convincing, however, she completed the transaction. Although she did mention that cases of fraud were often directed at the XXXX, she didnt point out any similarities between any of those and the transaction that I was requesting. I have become aware of actions taken against Chase by victims of scams with the same warning signals as my own. If I know of these other incidents, surely Chase does, too, but turns a blind eye, even though it is in a position to help protect its customers. In fact, a second bank representative actually sent my wire transfer, meaning at least two people at Chase ignored the red flags. On XXXX XXXX, Chase confirmed that the wire had been sent that morning. Soon after, XXXX XXXX informed me that now the balance of my savings account would need to be wired to a different recipient at the same XXXX XXXX bank. This was perhaps the turning point in my realization that I was possibly dealing with the real scammers. On XXXX XXXX I was feeling even more convinced of what had really happened to me. Toward the end of the day, I turned off my phones, went to my neighbors to use hers, and called Chase Bank to report that I was the victim of fraud. I spoke to up to four agents, the last wanting to make sure I knew that Chase was not responsible for anything in any way, since I had authorized the transactions. I returned to my house, completely devastated to face the weekend and what seemed to be a hopeless future. On XXXX XXXX I contacted law enforcement in the morning and made a police report. I also submitted an IC-3 report by email to the FBI. On XXXX XXXX, I called Chase in the morning to ask some follow-up questions about the wire transfer. I learned that by reporting the fraud to Chase I had essentially opened up a claim, so I was put in touch with that department. In an attempt to get more concrete information, I ended of speaking with several people, the last one finally saying, Well, I guess I could let you talk to Wire Recall. After she transferred me, that agent immediately sent a wire to the bank in XXXX XXXX and then told me that each person I had spoken with at Chase regarding my being the victim of a scam (approximately XXXX), was obligated to tell me of the wire recall process which sometimes resulted in ones money being returned. In a conversation later with the wire research department , another representative confirmed this. On XXXX XXXX, I received a call from an investigator from Chase who specializes in fraud cases involving vulnerable adults. When I described my experience in withdrawing the cash, she responded by saying that she was surprised that a person of my age would be given that much money, especially in a box that was obviously from a bank. Several days later I received a letter from the Claims Department dated XXXX XXXX, which states that my claim was denied since I had authorized the request. On XXXX XXXX I returned to the XXXX Branch of Chase for the purpose of changing my savings account number. The fact that I had been scammed, indirectly via my savings account, was discussed, of course, but not to great length. During the following week it came to my attention that I could check the status of the wire recall through the Wire Research Department and attempted to do so, but was unable to reach it until XXXX XXXX. I was told that they needed a police report number which, if asked for when the wire recall was sent XXXX XXXX I would have given. I dont really know if it was Chase or the XXXX XXXX bank that was requesting the number. In any case, I then provided it to the agent, and when I asked the date of that request, he informed me that it was XXXX XXXX In a later update I was told that four attempts had been made to recall the wire transfer prior to the one sent on XXXX XXXX However, I dont know whether or not they had included the number. It wasnt until XXXX XXXX that the XXXX XXXX bank reported that the recipient of the wire transfer had not responded to attempts to contact him. Chase never informed me of any of these things. Im only aware of them through having contacted wire research on my own. If the wire transfer had taken place as soon as I had reported the fraud to Chase, and if the follow-through had been handled efficiently, perhaps my XXXX could have been recovered. On XXXX XXXX I received a call from the Executive Office informing me that they were investigating a complaint against Chase from a third party. However, the representative refused to give me that name and when I followed up a few days later, I was told there was no new information and was still unable to find out who had placed the complaint. to give me that name and when I followed up a few days later, I was told there was no new information and was still unable to find out who had placed the complaint. Like countless other elderly people, I was duped by a vicious scheme that Chase Bank had reason to recognize. Because of that, XXXX from my savings account is now in the hands of people that I was convinced were helping me. The majority of these funds came from my parents who, by making sacrifices and careful decisions throughout their long lives, were able to leave me. One fourth of that total was the result of my having recently sold some small XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I considered my savings an emergency fund that could get me through a month when my social security check fell short of covering my expenses. It would also be there for things like repairs to my 25 year old car, an occasional trip to visit my grandchildren, and overdue home repairs that would help insure that I could safely stay in my home for as long as possible. And it would be available for my burial expenses. But besides the financial cost, the effect on my emotional and physical well-being, as well as on my long term health, are incalculable. My life has been impacted in countless ways and will continue to be. Because Chase ignored the red flags, this scam, not an uncommon one, I have been told, was allowed to succeed. I am also pointing to its careless and negligent business practices, for instance putting cash in a conspicuous container, and the delay and inefficiency in handling wire recalls. It may be that Chase did not even follow its own protocols. Obviously they did not adhere to the Consumer Financial Protection Bureaus Elder Abuse and Dependent Adult Civil Protection Act, created by legislature in1982, which is mandatory in California. Nor did they follow the CFPB Guidance Recommendations established in 2016. I dont know if Chase filed an SAR report, as they were no doubt required to do. For my part, I am working to raise awareness, not only with regard to the scam itself, but to Chases failure to intervene on behalf of their clients. On XXXX XXXX, I will be featured on the XXXX podcast, XXXX XXXX XXXX, and I intend to use other venues as well, in order to share my experience with the public. Lawmakers, too, are becoming more involved in how banks handle questionable transactions like mine. Bill SB278, introduced by Senator XXXX XXXX of California and supported by Consumer Attorneys of California and elder rights advocates, is aimed at holding financial institutions liable in situations in which they, knowingly or otherwise, assisted in financial abuse. Through combined efforts like these, elderly people will be better protected against losing their financial resources to scams that could have been avoided with the help of their bank. | ||||||
| 09/10/2021 | Yes |
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| On XX/XX/2021 I ordered a XXXX XXXX XXXX XXXX XXXX from Amazon order # XXXX, for a total of {$2300.00}. This item was supposed to be delivered Friday, XX/XX/XXXX. I never received my item. It was supposed to be signed for. I was home all day, never received a package nor did I sign for anything. Nobody at my residence did either. I checked my Amazon app for delivery updates and it said delivered. So I go onto Amazon support chat and the only option is to speak with a chat " bot '' specialist. The bot instructs me to wait until the end of Monday, XX/XX/XXXX to receive my item, as it may arrive late. I wait until the end of XX/XX/XXXX, and still did not receive my order. I go onto chat yet again, and speak with a human this time. They inform me that their specialist team will investigate and contact me with further instructions. I receive an email the same day, XX/XX/XXXX, at XXXX asking me to fill out an incident report. I complete the report in full and respond back within 2 hours. I then receive an email a few days later telling me that I must file a police report to continue my claim for my missing package. I proceed to file a police report. Once it is marked as completed by their website ( XXXX ), I alert Amazon. They ask me for the following information : " The police report number regarding this incident - The name of the related station - Crime Reference Number/URL of report/Reference number provided - [ If reported to a local station over the phone : The name and badge number of reporting officer, and contact number of the station. ] - [ If reported to the police online : Provide a reference number ( if any ). ] Please contact us back when the police report is complete. We are unable to accept police reports that are in pending or any other incomplete status. '' I provide all of the following information in an email response. I get responses with different people, who do not understand what is going on. I finally get through to someone named XXXX XXXX, on XX/XX/XXXX, and they ask me for a copy of the report. Their exact email is as follows : " The responsible police station could not confirm the details of the police report you provided. We are also unable to gain access of the URL you provided since it's blocked here in our end. We kindly advised if you can send us a copy instead of the Police Report so that we can validate it. Please reply to this email along with the copy of the Police Report as a PDF, JPG or PNG file. '' So, following their instructions, I request and receive a copy of my police report from XXXX Police Department on XX/XX/XXXX. The report had been completed about two weeks earlier but the Police Station sent it to the wrong email. XX/XX/XXXX, I send amazon the report in the original PDF format, as a reply to the same email from XXXX XXXX that asked for the report in PDF, JPG, or PNG file. Once again, a different person responds, who seemingly has no clue what is going on, and they send me the same email that I received back on XX/XX/XXXX. I keep asserting that I am furnishing the completed report as requested. Finally, someone named XXXX recognizes the report. XXXX instructs me to call Amazon and do a 3-way call with the police so that they can verify the report and so I can get my refund. His EXACT words promise a refund after they verify the police report. The email from XXXX on XX/XX/XXXX is as follows : " Thank you for submitting the police report information. Now, in order to verify the report, I'll kindly ask you to call us back within the police department working hours so we can call them and verify the police report while you are on the line, this since sometimes they ask for sensitive information that we can not disclose so we need you there to be able to respond. Once we have that verified, we can go ahead and issue a full refund for you. '' I respond to XXXX and provide the police department phone number, as well as ask him for a number to call so we may proceed. XXXX does not respond. A short few days later, I call Amazon 's general customer support number and I speak with a woman. I instruct her about the request to do a 3-way phone call with the police and Amazon. She is confused as to this request. The woman looks at my claim and then tells me she sees XXXX 's request, but says she does not believe the 3-way call is allowed, nor is it proper protocol. I am instructed to wait 1-2 days for contact from a new team. I provide her my phone number and email to be contacted at. 5 days later, I still do not hear anything. It is now XX/XX/XXXX. I go to the chat for help figuring out why nobody has contacted me, as the woman on the phone promised. I am then told that they need a police report. I inform them that I have provided that already, multiple times. They say that they can not verify a PDF copy. This is disturbing to me because that is exactly what they asked for over email. I am asked repeatedly by the people on the support chat for " clickable URL to report. '' I call my police department, and they inform me that is impossible. They only provide paper ( mail ) or email ( PDF scanned ) copies. I inform the people I am speaking to of this, and also recommend they call XXXX Police Records Department to verify that I am telling the truth. One person on the chat ( named XXXX ) actually acknowledges that I can't provide a URL link. He tells me to send the report to XXXX. I send it. ( I later find out this is an incomplete and invalid email and does not actually serve to receive/reply emails. ) I ask what the next steps will be and if they will verify that I have sent the report, since this is not my first time doing so. Then, XXXX abruptly transfers me & the next person yet again is asking me for a URL/clickable police report website. He ends the chat in the middle of our conversation when I try to them, again, there is no existent URL to give. Now, I am beyond frustrated and feel stuck and cheated. I file a claim with Chase, and a claim with the XXXX XXXX XXXX. Someone named XXXX reaches out to me about my XXXX claim. He seems to want to resolve this case, and after a few messages says that all I need to do is provide him the police report to proceed with my refund. ( Note that at this point I have tried doing this several times, to no avail ). Despite feeling hopeless, I want to resolve this with the merchant, and I feel as though I am being helped, so I close my existing claim with Chase on XX/XX/XXXX. I make sure to immediately tell XXXX, the same day via email, I send him the following email the morning of XX/XX/XXXX. " Hello XXXX thanks for the update, It is worth mentioning that I had a chase bank claim about my item never being received. However, since you have responded to my XXXX claim and have accepted my police report to help me with a resolution, I called Chase to have this dispute cancelled. Please note that Chase bank never reversed the transaction or issued me a refund, and the claim is now withdrawn from my account. I want to be transparent so there is no unforeseen issues with this. '' The very next day, XX/XX/XXXX, XXXX informs me that he has received notice that I had filed a charge back dispute with my bank, and that " We aren't able to offer any additional insight or action on this matter and any further inquiries regarding this issue won't receive a response. '' Now, I feel as though filing another dispute is my only option. I call Chase, a woman tells me that she has re-opened my dispute. She asks me general incident questions, and informs me I will have provisional credit by XX/XX/XXXX. XX/XX/XXXX comes by, and I have no credit, but I get a letter posted to my Chase account stating the claim is closed and no further action will be taken. I call to ask what is going on, and a man tells me that the woman was misinformed. He says that I have to wait until the first week or two of XXXX to reopen my claim. He says as long as I call by XX/XX/XXXX, I will be fine. I call on Tuesday, XX/XX/XXXX. I reopen my claim, and tell the entire story again. I ask for a FAX number to upload chat transcripts, emails, and the police report as supporting documents. This morning, Friday XX/XX/XXXX, I receive an email. They told me the claim is closed and they believe the transaction was authorized. I had only faxed all of my supporting documents two days ago, so I had suspicion they did not properly review my case. I called Chase, and was transferred to XXXX, a claim specialist. He actually told me they had not reviewed my documentation. Their decision to close my claim was made entirely based on the merchant 's evidence, without considering or even looking at mine. He actually put me on hold to look at my faxed documents, and informed me that some came out blurry and ineligible, and to go into my Chase branch with printed copies so they could email them these documents. He said all I needed was my claim reference number. I went in, and after much explaining, someone helped me out. I told her the full story. She was confused as to why the claim specialist sent me in there, and said there was nothing she could do for me except re-fax the documents. She had done this, and yet I do not have hope that my claim will even be reviewed again, because the claim specialist had told me they never even tried reviewing my side of the story, or any of my evidence, in the first place. Not only have I tried everything in my power, to do what Amazon requested of me, I had succeeded in providing a valid police report, and have written proof that they were going to refund me after verifying the report. It is as simple as them calling the police department and asking them whatever it is that they feel must be verified. They have not elaborated onto why they suddenly didn't want a report, nor did Amazon provide any possible next steps as to what may substitute for a resolution. When I finally was going to have this report verified ( from XXXX, the XXXX XXXX XXXX advocate from Amazon ), they inform me that they will not respond at all about this matter. Chase bank neglected my claim entirely based on the fact that Amazon told them they concluded their investigation. The Chase branch employee even admitted to me that when Amazon decides their refund policy, the Chase investigators usually side with the merchant. The issue with that is Amazon never gave me a proper conclusion. If the initial voided chase dispute did not interrupt my conversation with XXXX, their team would have finally gotten around to verifying the police report ( which they said was all that needed to be done in the first place ). Chase admittedly did not even review my evidence before closing my claim on XX/XX/XXXX. All they have to do is read the emails and XXXX transcripts, and see my police report. That is all Amazon asked for in the first place. | ||||||
| 06/29/2021 | Yes |
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| We posted a motorcycle for sale on XXXX. An interested party e-mailed us and said they wanted to buy the bike. They asked us if we would pay the shipper. Which we agreed to. The potential buyer sent us a check for the bike and the shipping fee. ( {$6500.00} for the bike and {$3300.00} for the shipping ). On XX/XX/2021, the check was sent via USPS to us from the potential buyer for {$9800.00} and we deposited the check at Chase Bank in XXXX XXXX, Illinois at the XXXX branch. We went to the bank the next day XXXX XX/XX/XXXX ) and asked if the check was good and if it had cleared. I told the teller that we were concerned about the check and that we were disbursing funds from the check so we wanted to make sure it was a good check. The teller at the bank said yes the check was cleared. We sent {$3300.00} to the shipper. The cash was sent via XXXX. The next day the XX/XX/XXXX the buyer backed out of the deal. He requested his money back. We sent {$5000.00} on the XXXX and {$1500.00} on the XXXX via XXXX. On the XXXX via USPS, we received a letter from Chase dated XX/XX/XXXX that the check was fraudulent ( attached ). Too late, the money had already been sent. After the letter was received we sent an e-mail to the e-bay law enforcement, filed a fraud complaint with the FTC and USPS, called the local XXXX XXXX police and the local police in from addresses on the check and USPS envelope provided by the potential seller and went to Chase to discuss the situation. The following is a summary of the responses or lack of responses : 1. The XXXX XXXX police stopped by our home and said there was nothing they could do and suggested but we contact Chase. We also contacted the local police departments of the city on the address of the check and the return address on the USPS envelope. They could not do anything. All the information regarding fraud on internet sites directs the victim to contact their local police department. Yet when contacting them they do nothing? 2. a. At Chase the VP of the Branch contacted us and told us that there was nothing they could do. That when the teller indicated the check was good, it does not mean it was completely cleared since the bank on which the check was written ( in this case XXXX XXXX XXXX still has the opportunity to review the check. And that allowing the funds to be available was a " courtesy. '' It is not a courtesy when a customer specifically asks if a check is clear and good. How can the bank employee indicate that the check was cleared when we specifically indicated that we had concerned about the check and that the money was being transferred based on the availability of the cash from the check deposited? In addition, I have been a longtime customer of the bank and have had many communications from them via e-mail alerts, texts and phone calls. Yet, according to the VP of the branch, it is Chase 's policy to notify a customer of a fraudulent check via USPS mail. Isn't the bank facilitating these scams by these antiquated policies? Don't they have the responsibility to alert the customer ASAP? Wouldn't that reduce the amount money many millions of people are losing to these scammers! Why don't their employees ( e.g. the Teller ) warn the customer of these scam schemes? The next day the XX/XX/XXXX the buyer backed out of the deal. He requested his money back. We sent {$5000.00} on the XXXX and {$1500.00} on the XXXX via XXXX. On the XXXX via USPS, we received a letter from Chase dated XX/XX/XXXX that the check was fraudulent ( attached ). After the letter was received we sent an e-mail to the XXXX law enforcement, filed a fraud complaint with the FTC, called the local XXXX XXXX police and the local police of addresses provided by the potential seller and went to Chase to discuss the situation. The following is a summary of the responses or lack of responses : 1. The XXXX XXXX police stopped by our home and said there was nothing they could do but we should contact Chase. We also contacted the local police departments of the city on the address of the check and the return address on the USPS envelope. They could not do anything. All the information regarding fraud on internet sites directs the victim to contact their local police department. Yet when contacting them they do nothing? 2. a. At Chase the VP of the Branch contacted us and told us that there was nothing they could do. That when the teller indicated the check was good, it does not mean it was completely cleared since the bank on which the check was written ( in this case XXXX XXXX XXXX still has the opportunity to review the check. How can the teller indicate that the check was cleared when we specifically indicated that we had concerned about the check and that the money was being transferred based on the availability of the cash in the account? In addition, I have been a longtime customer of the bank and have had many communications from them via e-mail alerts, texts and phone calls. Yet, according to the VP of the branch, it is Chase 's policy to notify a customer of an fraudulent check via mail. Isn't the bank facilitating these scams by these policies? Don't they have the responsibility to alert the customer ASAP? And wouldn't that reduce the amount money many millions of people are losing to these scammers! Why don't their employees ( e.g. the Teller ) warn the customer of these situations and Chase train them to do so. b. At Chase when meeting with the VP of the branch, we asked if there was a way to contact XXXX. She said no that the bank has no contact and my only way to try is online. Online the XXXX website has no phone number and when going through the fraud reporting website, it specifically says if the money was sent via a bank, that the customer should contact and work through the bank. But when I go to the bank and ask them to contact XXXX, they can not? However, see below on the second conversation with the Chase Branch VP and her claim involving XXXX. c. We also called Chase 's customer service number and discussed the suspicious behavior of this transaction. I was connected with the fraud department. We were concerned the scammer could have access to our account via XXXX. They felt comfortable they did not. However, at that point, after explaining the situation, the person did not warn us about these type of scams which they have to know about. Why doesn't Chase even educate those in the fraud department to warn customers of these scams? c. Upon a second call with the Branch VP, they did agree to attempt to contact XXXX and filed an internal case investigation. The report # provided by the Chase was XXXX. I was told I could not see a copy of the report. How does that equate to customer service? d. Upon my suggestion, I told the branch VP that at minimum she should report the e-mail addresses provided by the scammer to XXXX. She indicated they she spoke to her IT to put them on alert. HERE IS MY COMPLAINTS : 1. How can a bank tell you that a check deposited cleared even when the customer is showing concerns about the check being suspicious when it is not actually cleared ( i.e. funds distributed from the payor 's bank account )? 2. How can they do all important communicates that protect them from losing money and promote selling more services ( e.g. notifying of large purchases, selling more services ) by e-mail and phone yet not for a fraudulent check? Chase by not reimbursing us for the funds or others who lost money from scammers, has no accountability for their actions and their policies and procedures are only facilitating these criminals. There policy of sending fraudulent check information to a customer via USPS is facilitating the scammers process of stealing money and they know it. The FTC on their website even has an explanation of how these scam works. 3. Why is Chase not training their people to inform customers of scams when showing concern about a check? 4. a. Why is Chase, not doing anything to stop these scammer and not taking responsibility for their actions? b. At Chase when meeting with the VP of the branch, we asked if there was a way to contact XXXX. She said no that the bank has no contact and my only way to try is online. Online the XXXX website has no phone number and when going through the fraud reporting website, it specifically says if the money was sent via a bank, that the customer should contact and work through the bank. The bank after our second conversation filed a claim with their claims department who filed a claim with XXXX who attempts to recover the funds from the depositing bank. We have not heard back on this claim. c. We also called Chase 's customer service number and discussed the suspicious behavior of this transaction. I was connected with the fraud department. We were concerned the scammer could have access to our account via XXXX. Chase felt comfortable our account was protected. However, at that point, after explaining the situation, the person did not warn us about these type of scams which they have to know about. Why doesn't Chase even educate those in the fraud department to warn customers of these scams? d. Upon a second call with the Branch VP, they did agree to attempt to contact XXXX and filed an internal case investigation. The report # provided by the Chase was XXXX. I was told I could not see a copy of the report. How does that equate to customer service? e. Upon my suggestion, I told the branch VP that at minimum she should report the e-mail addresses provided by the scammer to XXXX. She indicated they she spoke to her IT to put them on alert. SUMMARY OF THE COMPLAINTS : 1. How can a bank tell you that money is available from a check deposit even when the customer is showing concerns about the check being suspicious? 2. How can they do all important communicates that protect them from losing money and promote selling more services ( e.g. notifying of large purchases, selling more services ) by e-mail and phone yet not for a fraudulent check? Chase by not reimbursing us for the funds or others who lost money from scammers, has no accountability for their actions and their policies and procedures are only facilitating these criminals. There policy of sending fraudulent check information to a customer via USPS is facilitating the scammers process of stealing money and they know the bank 's delayed process. The FTC even indicates how this scam works. Why don't the banks do anything to protect their customers? 3. Why is Chase not training their people to inform customers of scams when showing concern about a check? 4. Why is Chase, not doing anything to stop these scammer and not taking responsibility for their actions? Thanks for assisting in helping us change the outrageous unaccountability of Chase and other banks in stopping these criminals. | ||||||
| 05/01/2023 | Yes |
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Web | Servicemember |
| This complaint has to do with the credit card that I have through Chase Bank, or Chase.com. I signed up for a XXXX XXXX and used my Chase credit card to pay the {$9.00} fee to get it on XX/XX/XXXX. The following day XX/XX/XXXX, I checked my credit card account online and noticed a {$5.00} " Transaction fee ''. I was not sure what it was, but made an assumption that it was maybe an additional fee from XXXX for the card. I meant to follow up on it, but put it off. On XX/XX/XXXX I noticed a {$0.00} " Cash advance fee ''. I immediately panicked thinking that there may be bank fraud because I never use the Cash Advance feature on my credit card. I had never used this on any credit card. While looking at my online account, I noticed that I had made an XXXX purchase on the same day, so I thought the Cash advance interest charge may have something to do with that. I contacted Chase Bank through their online messaging service on XX/XX/XXXX, and the following conversation ensued : XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectAccount inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 On XX/XX/XXXX I was charge a {$0.00} Cash advance fee for an XXXX purchase. I have been a buyer and seller on XXXX for over 25 years and this has never happened. I used my credit card to pay for the purchase, I did not do a cash advance. Please refund this fee right away, and please tell me how to turn off the cash advance feature of my credit card. XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us to concerning the {$0.00} cash advance interest charge. We'll be glad to review and address your email XXXX, upon review, I see that the {$0.00} cash advance interest is not associated with XXXX purchase. Rest assured, the XXXX purchase of {$36.00} is not a cash advance transaction. Instead, the transaction of {$9.00} made for XXXX on XX/XX/XXXX is the actual cash advance charge which caused the cash advance interest charge of {$0.00}. Your account also incurred a cash advance fee of {$5.00} which was billed on XX/XX/XXXX. I have refunded the cash advance fee of {$5.00} and the cash advance interest charge of {$0.00} with an associated interest of {$0.00}. You'll see these credit adjustments online in one to two business days. There's no option to deactivate or turn off the cash advance feature. However, we can reduce the cash line to the minimum of {$100.00}. Here are things to know about when you use your card to take a cash advance : - The Annual Percentage Rate ( APR ) for a cash advance is 29.74 % variable. - The cash advance fee is either 4 % of the amount or {$5.00}, whichever is greater. - Cash advances do not have an interest-free period and interest charges accrue daily. - You may pay ATM fees if you use a non-Chase ATM. Your cash advance APRs will vary with the market based on the Prime Rate. To find your APRs, check your monthly billing statement. Your Cardmember Agreement explains the full terms and provides information about cash advances and cash-like transactions. Have a good day! EQUAL CREDIT OPPORTUNITY ACT NOTICE The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX, DC XXXX. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you for the credits and explanation. My concern is that I do not use cash advances and I do not want to be charged for them and not know it. Or incur interest and not know it, which is exactly what happened. I check my account almost daily and did not know or see a cash advance nor did I know or see that I was being charged interest until this transaction came up. The XXXX transaction says Money Transfer, not Cash Advance. It does not show anywhere online that I have a Cash Advance balance and that I'm paying interest on it. In addition, the {$5.00} fee from XX/XX/XXXX only says XXXX XXXX and no other description. How was I to know that it was a Cash Advance Fee? The information that should be readily available to me is hidden and feels like a way to scam money out of people. I would not know what these transaction actually were until and if I looked at the actual Bank XXXX itself. So far that is the only place I have been able to see this information, and that is well after the fact. I am also not ok with not being able to turn off the Cash Advance feature because that means this could easily happen again. Please advise. XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX XXXX. We're sorry for any confusion or inconvenience this has caused. XXXX, let me share that the category and the name by which merchant is registered is chosen by the merchant based upon its primary business and it is not chosen by Chase. Also, we are unable to make any changes to their business category as Chase doesn't have control over the category they are assigned based on the type of business they have registered. For your reference, here are the transactions that may be treated as cash advances : - Purchasing lottery tickets, casino gaming chips, racetrack wagers or similar offline and online betting transactions. - Purchasing traveler 's checks, foreign currency, money orders, wire transfers and other similar transactions. - Person-to-person money transfers and account-funding transactions that transfer currency such as XXXX and XXXX. - Making payment using third-party service including bill payment transactions not made directly with merchant or their service provider. For immediate assistance, please call the number on the back of your card. We accept operator relay calls. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you but that does not address my concerns or questions. I have read Chase 's information about cash advances. My problems are as follows : 1. I check my account almost daily and did not know or see a cash advance nor did I know or see that I was being charged interest until this transaction came up. WHERE DO CASH ADVANCES SHOW ON MY ACCOUNT? 2. The XXXX transaction says Money Transfer, not Cash Advance. It does not show anywhere online that I have a Cash Advance balance and that I'm paying interest on it. In addition, the {$5.00} fee from XX/XX/XXXX only says XXXX XXXX and no other description. HOW WOULD I KNOW THAT IT WAS A CASH ADVANCE? 3. There should be a way for a customer to turn off the cash advance feature so that these types of transactions do not get processed. Is there a way to do this? I know other credit cards do. SentXXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX, Thank you for contacting us about your XXXX XXXX card. We understand your concern about the cash advance and will be more than happy to answer your questions. 1. Cash advances will show in the transaction activity along with the other transactions such as purchases, fees, etc. 2. The " Transaction fee '' is for cash advances. You will not see any other fees labeled with this wording. Also, your statement will detail the charges on your account and will show the cash advance. The statements will have more information than what is displayed online. 3. We can not remove the cash advance feature, however, we can limit the amount that can be used for cash advances. We can reduce the cash line to a minimum of {$100.00}. Please reply to this message if you would like to reduce the cash line to {$100.00}. XXXX, we appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX PM ToChase Card Services SubjectRe : Account inquiry CATEGORY TYPE : Re : Account inquiry ATTACHMENTSIZE:0 Thank you for your reply. Let me make sure that I understand the answers to my questions. Please address my additional questions as well as the action requested in # 3. 1. Cash advances will show in the transaction activity along with the other transactions such as purchases, fees, etc. BUT NO WHERE AS PART OF THE TRANSACTION DOES IT STATE THAT IT IS A " CASH ADVANCE ''. AND NO WHER ONLINE IN MY ACCOUNT DOES IT SAY THAT THERE IS A " CASH ADVANCE '' BALANCE THAT IS INCURRING INTEREST CHARGES? 2. The " Transaction fee '' is for cash advances. You will not see any other fees labeled with this wording. YOU ARE SAYING THAT " TRANSACTION FEE = " CASH ADVANCE FEE '', AND DOES NOT APPLY TO ANYTHING ELSE? WHY NOT CALL IT CASH ADVANCE FEE SO THAT CUSTOMERS ACTUALLY KNOW WHAT IT IS? TRANSACTION FEE IS SO GENERAL IT COULD LITERALLY MEAN A FEE FOR ANY TYPE OF TRANSACTION. THE PROBLEM WITH FINALLY GETTING TO SEE WHAT THESE TRANSACTIONS ACTUALLY ARE ON THE MONTHLY STATEMENT, IS THAT IT IS AFTER THE FACT AND INTEREST ON THE CASH ADVANCES HAVE ALREADY BEEN ACCRUING. THIS IS NOT BEING TRANSPARENT WITH THE CUSTOMER. THERE IS NO REASON WHY THIS INFORMATION SHOULD NOT BE COMPLETELY TRANSPARENT ON THE ONLINE ACCOUNT. 3. YES PLEASE REDUCE THE CASH ADVANCE TO THE {$100.00} MINIMUM ASAP. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FromChase Card Services SubjectRe : Account inquiry Delete Reply Hello XXXX XXXX, Your feedback is always welcome as it helps us to identify opportunities for improvement. XXXX, below are the answers to your questions : 1. and 2. I have forwarded your message to our concerned department for review. Your satisfaction is extremely important and your comments are critical to our efforts for continued improvement. Please continue to contact us with any feedback or questions. We are committed to delivering the high level of service that you expect and deserve. Also, your Cardmember Agreement explains the full terms and provides information about cash advances and cash-like transactions. 3. Your new cash line is {$100.00}, and you can use it immediately. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX | ||||||
| 03/22/2018 | Yes |
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| To Whom It May Concern ; I write this to formally dispute what I consider a gross error on my credit report. Chase Bank, who the holder of my auto loan, has reported that I have been in arrears on my auto loan. I repeatedly attempted to pay through their telephone system, even with their personnel. My bank has verified that the information I submitted was correct and there were always available funds ( document A ). Chase did not request the funds from my account until my third submittal, after I had paid the amount due in cash at a Chase branch ( document B ). Chase has concluded there was no bank error, therefore they will not request amending my credit report even though I repeatedly attempted to pay through their system, with their representatives, answering their questions as asked, was in immediate response to every communication, have double paid, and have been to various branches repeatedly to resolve this issue. This is a chronology of events : XX/XX/XXXX I made my XXXX payment of {$180.00} through their telephone system. XX/XX/XXXX XXXX I received a letter from Chase stating the payment was not received. I called twice on XX/XX/XXXX. I spoke with a Chase representative each time. I asked that the late fee be waived. I volunteered to pay my XXXX payment ( 10 days before the due date ) ( {$180.00} + {$180.00} ) to show I was not trying to shirk paying. I gave the information as requested from the representative. When I got off the phone I remember thinking, I guess he already has the routing number? He never asked me to give him all the numbers. But I assumed that since he was the representative, he was taking care of the payment. He knew what he was doing. XX/XX/XXXX I received another letter stating now my XXXX and XXXX payments had not been received which I opened XX/XX/XXXX in the evening. I had just received two separate letters from Chase regarding the updating of my information prior to this time. It is unfortunate this letter showed up a week or more later after the previous. XX/XX/XXXX I called at XXXX XXXX California time and spoke with someone in XXXX. I gave him all the information as requested, which he repeated back to me, three times to verify its accuracy. He said it would take up to five days to post. I told him I was going to call every day and check my bank account to make sure it had posted. XX/XX/XXXX I received an email alert from XXXX XXXX that my credit score had dropped 120 points. I called Chase. The representative recommended that I pull money from my ATM and walk it into a branch office. I did this, walking into Chase Bank at XXXX XXXX XXXXXXXX XXXX in XXXX XXXX. I paid {$380.00}. I spoke with an associate, whose name was XXXX, who recommended I speak with a manager, who was not in at that time. XX/XX/XXXX I went back to to the Chase branch in XXXX XXXX, twice, to speak with the manager. The second time, the manager was still not available and I spoke with another employee. She was very nice and could only verify everything I already knew. At this time, the third payment I had submitted had not been posted. She wanted me to have an auto-payment instituted, but I declined. Once there is a problem with the system, it is a nightmare to correct the error. My current situation being a case in point. She recommend that I go to my banking institution, XXXX XXXX XXXX XXXX XXXX, get a letter verifying what my routing and account numbers were and that there funds available for the draw every time I attempted to make the payment. XX/XX/XXXX The payments I made with the representative, XX/XX/XXXX posted. I was now paid in advance through the end of XX/XX/XXXX. XX/XX/XXXX I received a letter from my credit union verifying the availability of funds for all dates requested. I walked the letter into a Chase branch on XXXX XXXX XXXX and spoke with XXXX XXXX. We faxed the request for inquiry. I believe she asked them to expedite the request. I believe I was told to check back on XX/XX/XXXX. XX/XX/XXXX I walked into the Chase branch on XXXX XXXXXXXX XXXX in XXXX XXXX to find out whether there had been resolution. The man I spoke with called and spoke to someone. He said he was only able to ascertain, they were not finished with their inquiry and would need until the XXXX. XX/XX/XXXX I came home to find a letter dated XX/XX/XXXX, stating Chase : ... confirmed your account reported correctly and does not need corrections Besides being vague whether this was that my account balance had been made current and was no longer in default or if this was about the inquiry, since I had spoken with their representative on the XXXX and was told the inquiry had not been completed and to wait until the XXXX, it seemed as if this was about the balance, not the inquiry. I will attach it separately. XX/XX/XXXX I called the XXXX number on the letter and spoke to a manager, XXXX. She told me the letter was about the inquiry. The bank had found no bank error so the negative report on my credit report would stay. The initial representative told me, the bank would not, as a COURTESY, remove the notice. I could not speak to someone in the review division regarding this. I drove to XXXX and spoke with a man at the XXXX XXXX XXXX branch about what I could do. He recommended that I come in the next day and speak with XXXX because I had initially spoke with her. XX/XX/XXXX I came in and spoke with XXXX. Because I repeatedly had come back to Chase to pay, they never had to come looking for me, she thought I should be able to appeal on the executive level. She would reach out to them and someone would get back to me in 24-48 business hours. This was a Friday. It would be Monday or Tuesday before I heard from someone. XX/XX/XXXX A representative of Chase Bank called me. I spoke with XXXX who facilitated a conference call between us and XXXX, a representative of the reviewing agency. I told them I thought the problem was in the second call I had made to attempt to pay. The representative had asked me for my account number and then whether there were XXXX before the number. He never asked for the full account number. I thought this was where the problem lay. I was told they would listen to the tape and that someone would get back to me within 24-48 hours. I asked that I receive a copy of the recordings that had been made. It was not possible but, I was told I could have the transcript of the events as they had them as they occurred. I have never received them. XX/XX/XXXX The 48 hour mark passed. XX/XX/XXXX I called XXXX and left a voicemail because no one had called me. She returned my call and said she would look into it and have someone call me back. No one called. XX/XX/XXXX I called XXXX, twice and left voicemail messages. She never returned my calls. XX/XX/XXXX I called XXXX and left a voicemail. She never returned my call. XX/XX/XXXX I called XXXX and left a voicemail. She never returned my call. XX/XX/XXXX I came into XXXX and spoke to XXXX. No one was responding to my phone calls. I had been told I would have a response in 24-48 hours. She called someone, ascertained a manager would be there the next day XX/XX/XXXX and that the recording in question would be reviewed and she would have an answer on Monday. XX/XX/XXXX XXXX called me. The tape had been listened to. She had heard it. That which was in question was the exchange between their representative and myself. He had asked me for my account number When anyone asks me for my account number at my credit union I tell then XXXX. This is what I told him. He asked where there any XXXX before it. I said yes, there were XXXX XXXX. He never asked me to give him the entire account number. The representative in XXXX asked me to repeat the routing number and the full account number from the colon, three times. This representative never asked me for this : Because he never asked me to verify all the numbers at the bottom of my check, Because I didnt ask him, dont you want me to give you all the numbers at the bottom with the routing number? Because he did not verify the accuracy of the information I gave him, Because I only answered his questions as he asked them of me, the information was entered incorrectly and without notification until after the due date, my account became over 30 days late. For 29 months this account was paid on time. This is the only time I have ever been considered late, even though I was repeatedly attempting to pay through Chases system. I have never had a late payment on my credit score, and I am XXXX years old. I have been assiduously nurturing my credit score. My son and I lost our home in the XXXX XXXX in XXXX. No one was home to evacuate. We lost everything. I have been working on rebuilding our home for the past five years. It has been an extremely difficult process. The insurance was difficult. The mortgage holder was difficult. The general contractor I had been required to hire before the plans were finished, was more than {$200000.00} over bid after all the financial numbers had been secured. I fired him and am now my own XXXX XXXX. I have been working very hard to bring the construction costs down and had gotten them to an almost manageable amount. Because no one would give me a construction loan or a HELOC on an unfinished home, I have had a rough time finding a lender to finance the amount I need to finish construction. I finally found a lender. I was getting ready to hand in all of our paperwork the beginning of XXXX. Now because of this miscommunication, this penalty is not just my credit score number but my ability to be able to get the money I need to finish rebuilding our home. Also, since this process began, the interest rate I was originally offered will not be valid because interest rates have risen. It never was or has ever been my intention for these payments become late and show up on my credit score. The only reason I tried to use the phone system was that because of other exigencies, I did not mail the payment in time. It is advertised that one can make a payment over the phone. I was afraid I would be a day or two late. I had no idea it would become what it has become and jeopardize what I have been working toward for the past five years. By the time I run out of funds, I will have invested {$530000.00} into the rebuilding of my home. Why would I do anything to jeopardize our lives like this? I have attached supporting documents from my credit union, the cash payment receipt, the Chase letter dated XX/XX/XXXX and phone records from XX/XX/XXXX through mid-day of XX/XX/XXXX ; calls to XXXX XXXX XXXX/Chase are highlighted. I do not have records from this month 's statement. Thank you for your help, and I pray you can help me. XXXX ( XXXX ) XXXX | ||||||
| 02/28/2020 | Yes |
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| My father died in XXXX XXXX. I took his death certificate to Chase Bank in XXXX, FL on XX/XX/XXXX to have his name removed from our joint account. Here is the accounting of what has gone on : XX/XX/XXXX XXXX XXXX went to Chase Bank located at XXXX XXXX XXXX XXXX in XXXX to open lock box and have my father removed from bank accounts. I was on the accounts with him. I was told that I couldnt get into safe deposit box because he was deceased Im joint account holder. I presented FL statute that shows I was allowed to get into secure box. The woman said Ill have to check on that. She came back and said I was allowed to get into lockbox. She stated she was from NY not to long ago and didnt know the law. That was not correct I dealt with her about 9 months ago. We were introduced to XXXX XXXX who was to help us with the changing of names on accounts. A death certificate was presented to Ms. XXXX and she could see that I was on all of the accounts. I also had POA on the accounts which Chase Bank placed on the accounts even though I was a joint owner. Ms. XXXX had to check with the back office regarding the name changes She proceeded to tell my husband and I that she had another appt and we would have to come back on XX/XX/XXXX at XXXX XXXX. She would have all paper work ready XXXX XXXX I received a phone call from Ms. XXXX stating that she had paperwork ready. She then proceeded to tell me that she accidentally put my name in as the deceased NOT MY FATHER. She found the mistake but didnt know if my ATM card would work. XX/XX/XXXX at XXXX XXXX Ms. XXXX proceeded to have me sign 2 POA terminations. Why? The POA died when my dad died on XX/XX/XXXX. While there I checked my mobile app to see if everything was correct. The one checking account disappeared. When she entered the POS termination my name was removed from the account and shouldnt have been. I was a joint account holder. She couldnt find the account I had to give her a debit card so she could type the numbers in to see if the account was still there. She said she had to leave because she was 15 minutes late for an appt and it was a hour drive for her. She chatted a lot while we there about other things that had nothing to do with our banking and then said she had run out of time. She said she would call me today ( XXXX ) after she again called the back office to see if she could get my name put back on the account. XX/XX/XXXX I called Ms. XXXX at about XXXX to ask her if she got things straightened out. She said it would be today or tomorrow. I told her it would be today. This was ridiculous. I checked my accounts at XXXX and found this : MY SOCIAL SECURITY CHECK HAD BEEN TAKEN OUT OF MY ACCOUNT LEAVING MY ACCOUNT IN THE NEGATIVE My OTHER account owned solely by me had a NEGATIVE {>= $1,000,000} BALANCE I immediately called Ms. XXXX and she had to call the back office to get it straightened out. She called back and said it had been straightened out. I asked if Social Security now has me as deceased. She didnt know. I went to use my ATM Card and it was denied. I had to call Ms. XXXX again and she said a freeze had been put on the card. I had to prove who I was. RIDICULOUS!!!!!!!!!!!!!!!!! XX/XX/XXXX Ms. XXXX called and said that Chase had let SS know that this was a mistake on their part. She said I could call SS to verify that I wasnt declared dead. I had already called this a.m. and knew that so far everything with SS was ok. I said I wanted a letter from her or the bank stating that this was an error on their part in claiming me as the decedent. She said she couldnt provide a letter like that. I asked if an attorney got involved would they write the letter. She said so you want me to escalate this. I said escalate it to what? She said escalate this to our legal dept so that your attorney can talk to the legal dept. I told her I didnt say that and I want some type of documentation showing that Chase Bank was at fault for starting the procedure with SS. XX/XX/XXXX XXXX XXXX called bank manager for branch. She said problem would have to go to executive dept for a letter. She applauded Ms. XXXX for taking responsibility. She said it was a computer software problem and that it was a new system. The computer had nothing to do with it the wrong name was input. Kept calling me dear and very condescending. XX/XX/XXXX I call Chase and got an executive department. Spoke with XXXX XXXX XXXX Told him XXXX XXXX was supposed to have submitted a request. He didnt say if she had or had not. Told him how we were dismissed by Ms. XXXX twice because she had other appts. Said that the branch would be questioned. Said it could be around XXXX XXXX before I hear anything. It went to an analyst XX/XX/XXXX Placed order with a Chase credit card. Rcvd email XXXX XXXX could not accept order. Pick another way to pay for the order. XX/XX/XXXX Called Chase.Credit card is frozen. She put me thru to estates dept. Closed til Monday XX/XX/XXXX called Decedent Estate Dept Said credit card is supposed to issue a letter apologizing for error. I asked if it would be specific that the banker had made an error. She said no. She sent a request to research team to see if they can send a letter acknowledging bank error in declaring me dead. XX/XX/XXXX Credit card department XXXX card will be re-opened. Will take 24 48 hours. A letter will be issued from CC dept stating error in closing the account. Deceased notification was placed on card. She checked to make sure that there were no other decedent tabs on any of the other accounts. XX/XX/XXXX XXXX Executive Dept Chase Bank called me and said the she understood my concern. Her mother had just died in XXXX and she knew what I was going thru. She said she would send a letter explaining that Chase was at fault. She said I would receive the letter in 7 to 10 business days which I should have had by XX/XX/XXXX. XX/XX/XXXX Received a phone call from XXXX She said so you want a letter to explain it was banks fault? What happened to conversation from XX/XX/XXXX? XX/XX/XXXX Received 2 letters from 1. XXXX XX/XX/XXXX We removed the deceased status on your account. Thank you contacting us about the incorrect information on your account. We apologize for this and have removed the deceased status from the following account credit card, Consumer deposit. Please keep this letter for your records. 2. We received notification that a deposit was made to account ending in for the benefit of XXXX XXXX after their date of death. We returned all available post-death deposits This is my father 's account. XX/XX/XXXX My SS benefit was not deposited. Called XXXX XXXX about the SS mess and why wasnt this fixed? She said she was going to call XXXX XXXX in the am to see what happened. I am very irritated!!!!!!!!!!!!!!!!!!!!!!!! Said she would try 3 way call with SS. Said she would call by XXXX. XX/XX/XXXX XXXX XXXX called at XXXX. Said she was on hold trying for hour to talk to someone in ACH and didnt have time to hold any longer. She had other situations that she needed to handle. Said she would send me a new Debit card. She said she would call me on Monday. I asked her for what? She said to make sure I got the debit card. She never offered to continue to find out why my SS deposit never made it into my checking account. She said she had emailed Ms. XXXX regarding the SS deposit. Miss XXXX called in afternoon and said she thought everything was resolved and had closed the complaint on XX/XX/XXXX. She said it was for the credit card that had been frozen. She never had addressed any other of my concerns regarding checking account and SS, wrong name on beneficiary update and frozen ATM card. She said she would try to figure out way to find out why the SS deposit did not go into my account. I called the Decedent office at Chase and spoke to XXXX and she checked with ACH as to why my SS deposit didnt go in. There was a code on my checking account not to accept any deposits into the account. I found this out in a matter of 10 minutes. I asked XXXX about the letter that said deposit in my name had been sent back to SSA. She said that this should be changed to my fathers name as the beneficiary update letter from Chase. I also asked who put the hold on accepting deposits into my account. She didnt like me asking questions. As I was trying to talk to her at the end she hung up on me. She never said can I help you with anything else or thank you. Just hung up. I sent an email with this diary up to XX/XX/XXXX to XXXX XXXX ( President of Chase Bank ) email. I received a call from XXXX an assistant to Mr. XXXX in the Executive Dept and she said she would drill down deeper to see what was going on. She had my diary in front of her so shes up to date to the XXXX. She said that she hasn't worked with an account where the bank has declared someone dead. Only has worked with accounts when SS has declared person dead. XX/XX/XXXX I called XXXX to tell her I left out the part about XXXX XXXX having too much to do and couldnt hold any longer for the ACH department. She had been holding for 30 minutes. I told XXXX I had got the info in about a 10 minute call to Decedent Dept. and they checked with ACH department. XXXX asked me to email her the beneficiary letter stating I was dead and also the treasury dept notice that the money had been pulled out of my dad 's account.. XX/XX/XXXX Still no deposit from SS in my checking account XX/XX/XXXX Still no deposit from SS Received sorry for the error letter from Chase Bank XXXX from Executive dept called. The Error letter is not correct. XXXX tried to tell me that my dad 's SS benefit was my Dads check was taken out of his account on XX/XX/XXXX. XXXX said the branch in XXXX would give me {$200.00} for my inconvenience. I told her I wanted {$500.00} for my legwork. She said I didnt have to do legwork and I told her that no one is keeping in touch with me and I did not know what was going on. Said my SS benefit has to be reprocessed. I sent XXXX and email and listed at least 9 phone calls that I had to make regarding this problem. As an example the bank manager XXXX XXXX called me on XX/XX/XXXX and said she waited hour with Chase to find out why the SS had not been put in my account and that she hung up because she had other fires to put out. XXXX is supposed to revamp the letter with the errors in it corrected. I asked that my fathers name be put on the letter. She said she couldnt do it but would have to check due to privacy laws. XX/XX/XXXX I sent an email to XXXX and told her that I want my fathers name on the letter. Sent a rebuttal to OCC. XX/XX/XXXX - still no SS deposit in my account. | ||||||
| 03/09/2021 | Yes |
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| It wouldn't be fair to discuss the issue without a little background information about our family. With the COVID situation, I applied and received a permanent work from home, which allowed our family of XXXX ( yes, XXXX kids ) to pursue our dream of moving to a rural home in the southern XXXX mountains. We wished to purchase a large amount of land to explore, hike, and one day hand down to our kids. In order to pursue our dream, I applied for a mortgage loan at Chase. I choose Chase because they held my previous mortgage, we had a credit card through them which made it a bit easier to have a single account, and they offered a very good rate. The process went very smoothly at first, my Home Lending Advisor was very helpful and I told him about our dreams. Eventually, we decided on North Carolina, because my work held a presence in the state and it would be a better tax burden for them. We made the move across the country in a van with the kids which is a crazy story for another time. We found a AirBnb which allowed us to do a month-to-month rental due to the winter months and started looking at houses in person. We quickly fell in love with a house nestled in the mountains with 78.6 acres of land. We had our offer accepted on XX/XX/XXXX and the contingency period began with a closing data of XX/XX/XXXX. We were very clear about the particulars about the property and Chase didn't give any indication that there would be any issues. I was quickly approved from a financial perspective and we were conditionally approved on an inspection. Unfortunately, this is where the problems began. About 28 days after our 30 day contingency began Chase has still not scheduled an Appraisal which started the red flags. They didn't communicate anything on this front, my agent & I had to ask why the appraisal hadn't taken place as it was time to sign off on contingencies. They simply said that they hadn't found an Appraiser yet, and escalated it. I asked why we this hadn't taken place prior to the end of contingency and why the issue wasn't communicated to me prior to me reaching out. From this point on, I realized that I would need to micromanage Chase as they were putting me at risk if the appraisal had an issue since I would have to sign off on contingencies without the appraisal. Even with the appraisal escalated, they could not find an appraiser until the end of XXXX and as a result they decided that a 'walk-around ' appraisal would be sufficient. The 'walk-around ' appraisal was scheduled for and completed on XX/XX/XXXX. The valuation was luckily higher than the agreed price, and so it seemed that everything would proceed as planned. However, with less than a week until closing on XX/XX/XXXX, Chase started requesting supplemental addendums from the appraiser. These questions centered around land size and about the buildings on the property. Evidently, the main issue was centered around the size of the property which disclosed to Chase over 45 days prior to this time. According to Chase they had to file a >50 acre exception. But on XX/XX/XXXX Chase issued the final closing disclosure, so we thought their questions were satisfied and we transferred the necessary funds for closing. However on XXXX, nearly identical questions were again asked by Chase about the land size and these continued after the original closing date and eventually the loan was declined on XX/XX/XXXX, which was two days after closing. We were told by Chase that they did not loan on a Jumbo loan with >50 acres of land. We were extremely disappointed with Chase that they did not disclose this information over 50 days prior when they had the contract in hand with the acreage clearly stated and that this exception process was something they should have communicated. They should have communicated that this loan would be difficult so we could either pursue a different lender or choose to take the risk of a decline. Meanwhile, my agent and I had to do damage control with the sellers, who were also under contract, and the seller 's seller which were similarly under contract. We managed to keep the dominos standing and worked out a plan with the sellers to have them finance a portion of the property. With this new plan it put the house by itself on roughly 45 acres of property without any farm buildings and put us under the Jumbo loan limit. All of these 'limitations ' were where Chases questions were centered and we went back to Chase as we thought they could close the fastest. My agent & I communicated the plan to Chase and they thought that this was a great plan and that there shouldn't be any issues, giving us very high confidence that this would seal the deal. We updated the contract, and sent it to Chase on XX/XX/XXXX. On XX/XX/XXXX we were told that Chase would need to file a land size exception, because they don't loan on anything over 25 acres. And finally on XX/XX/XXXX, I got the call from Chase and was verbally told we were declined because the property was greater than 10 acres and that they were 'following federal guidelines '. It was extremely frustrating that Chase couldn't give me a straight answer on what the land size they could loan on and in the meantime we had to figure out what to do with our family of XXXX kids for temporary housing and temporary storage for our things. At this point, my agent suggested working with a colleague that was her 'go to ' loan agent when things were difficult. He stated that there is no such Federal guideline and that the 45 acres would not be an issue. True to his word, he was able to give me the same interest rate and other loan conditions ( 30yr fixed ) as Chase and close with a full Appraisal in 9 business days without loan issues or complications. We closed on XX/XX/XXXX, but unfortunately, we had to suffer through two tries with Chase, with about 30 days of our life in limbo. Because, I felt that Chase was not transparent or honest about their process and that I owe it to others to try to prevent this issue from occurring again, and therefore I filed an complaint with Chase. They told me that this was opened on the day that the denied me the second time, but I found out later they never did open a complaint. On XX/XX/XXXX, I reached out for a status update and only to find out that nothing had been filed. I then asked again that and issue be opened. Long story short, they even declined to give back my initial {$500.00} loan application fee, saying that there was nothing amiss with the process. I feel that filing this complaint is my only recourse and that Chase didn't make any changes to prevent something like this from again occurring within their process. I don't mind that Chase declined my loan, I am upset that in the manner and timing in which they declined it, changing limitations, and the general lack of communication, which nearly cost us our dream home. I hope you can help and in order to facilitate the process I put together a more detailed timeline below. Thank you for your time. XX/XX/XXXX : Pre-Qualification with Chase XX/XX/XXXX : Updated Pre-Qualification with updated state ( NC vs TN ) XX/XX/XXXX : Contract was signed by sellers. Closing date was set for XX/XX/XXXX ( later changed to XX/XX/XXXX ). Contract included a 30d contingency period ( ending on XX/XX/XXXX ) XX/XX/XXXX : Effective Contract was send to Chase for new home. Contract clearly stated acreage size and number of parcels. Contract stated XX/XX/XXXX : Mortgage Commitment letter stating conditional approval was granted. Conditional approval did not state the size of the property as an condition. It did state that it was subject to an appraisal, but the appraisal did come in above value XX/XX/XXXX : I contacted Chase about the appraisal. The appraisal had not been scheduled and my contingency period was about to end. There was no communication prior from Chase that appraisal was not scheduled. I had to risk signing off on the contingencies without appraisal. After this point I had to start micromanaging Chase because of their lack of communication XX/XX/XXXX : Second Mortgage Commitment letter again stating that stating conditional approval was granted. Conditional approval did not state the size of the property as an condition. It did state that it was subject to an appraisal, but the appraisal did come in above value ( Unclear ) : Chase decided that a 'walk-around ' appraisal would be accepted in order to meet the necessary closing date. Appraisal was scheduled for XX/XX/XXXX XX/XX/XXXX : 'Walk-Around ' Appraisal was completed. Valuation was higher than agreed price XX/XX/XXXX : Chase requested appraisal supplemental addendum from the appraiser. Chase seemed to be unhappy is was not a full appraisal. They asked clarifying questions on property size, parcel numbers, uses of building etc. This is the first that the large size of the property appears to be an issue for Chase even though it was clearly communicated as part of the contract XX/XX/XXXX : Chase issues final Closing Disclosure XX/XX/XXXX : Chase again requests a revision request to the appraisal. Questions center around comparison sales, land/parcel size. XX/XX/XXXX : Original Closing Date XX/XX/XXXX : Chase official declined the loan because the property was >50 acres ( known to Chase since XX/XX/XXXX ) XX/XX/XXXX : Seller and us decided to do a seller finance two parcels totaling ~33 acres. This would mean that we could revise the Chase loan to ~45 acres which would be under the 50 acre limit. We discussed this plan with Chase and were told with very high confidence that this would work, but would still need to go through the 'national exception desk ' XX/XX/XXXX : Updated Contract sent to Chase XX/XX/XXXX : Told by Chase that the XXXX XXXX XXXX would need to approve any loan > 25 acres XX/XX/XXXX : Told verbally by Chase that the loan was again denied. I was told on the phone ( XXXX was XXXX ) it was denied because it was >10 acres. I communicated my frustration and was told by Chase that the issue resolution team would reach out to me XX/XX/XXXX : Discovered that the 'issue ' was never opened and asked that an issue escalation be opened XX/XX/XXXX : After making multiple calls ( spoke with others that were not my escalation owner as it was not answered by my owner ) to Chase between XX/XX/XXXX and XX/XX/XXXX finally spoke in person with the escalation owner. To be fair, I did miss two phone calls from the escalation owner. The escalation owner said that the only thing they would potentially do is to refund the {$500.00} loan application fee. XX/XX/XXXX : XXXX called and told me that I was declined the {$500.00} refund because there were no 'bank errors '. | ||||||
| 05/14/2021 | Yes |
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Web | Older American |
| XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX TO : Chase Bank Complain Executive Office & cfpb The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX of comptroller of the currency Customer Assistance group XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX Re : Chase Complain # XXXX XXXX Chase Complain # XXXX XXXX To Whom IT May Concern Dear Sir/ Madam, I have been with chase bank for several years. I met several managers that were good, and very professional. I have a quiet history with Chase Bank. Therefore, Chase bank changed my Social Security ( Change my Identity ) for several years. Nevertheless, I missed numerous times low-interest rates. This error in social security made huge damage to me and my family. For several years I am paying the price of high-interest rates. Last a few years ago it the interest rate was low. Every homeowner takes advantage of this low rate. I could not take this advantage due to the error in my social security, Chase bank unable to fix it. I was paying the high-interest rate of up to % 5.0 and % 6.0 APR for over 8 to 10 years due to the error in social security. Other homeowner paying 3.0 % APR, have a low-interest rate. It takes Chase Bank several years until the Social Security number been corrected. I do have several documents to prove the error in social security. Please see the paper attachments. Above all this issue has damage and affects me for too long include all the family and my work and my life About last year I tried to refinance the house with Mr XXXX XXXX XXXX, I faced several issues and prevented me to move forward. On about XX/XX/XXXX, I decided to refinance my house again I started to collect all the document. I filled all the document which are required for refinancing as they request on XX/XX/XXXX. Above all, I started to Mr XXXX that the amount of the loan is about {$60000.00}. We asked him several that the length of the loan is 10 year. He stated the interest rate is low now. First, he keeps stating to me the loan amount for the loan term 30 years, not for 10 years. He sent the last loan at 30 years fixed rate I keep correcting him it is for 10 years only not 30 years. Please look at loan number XXXX dated XX/XX/XXXX. Generated copy from Chase Bank. during the work, many negative things were carried out amongst for each day as I noted which are : 1- On Wednesday, XX/XX/XXXX. This day it was crash in the market. I called Mr XXXX two time to confirm that he received my documents. The first time I left a message to his answer machine. At about XXXX XXXX I called him, however, he stated he is busy. I called him again on the same day. He keeps stating to me that the loan is for 30 years fix rate, I respond to him it is only for 10 years not 30 years. 2- On Thursday, XX/XX/XXXX. Mr XXXX stated that I am looking for 30 years fixed. I call him three times this day to make sure that the loan is for 10 years fixed rate. I was afraid to not get the lowest rate. There something wrong with the stock market. I need to confirm that the loan for 10 years loan. Mr XXXX keeps yelling to me and my wife during the conversation. 3- On Friday, XX/XX/XXXX. On this day, the stock market was down again. I called Mr XXXX about two times. First time at about XXXX XXXX. However, I left a message. At about XXXXXXXX XXXX I call Mr XXXX. He stated I am at my work now. However, I am going home after a while. I will continue to work on your file. At about XXXX I call him again. he stated the internet is down, I am not able to do work on your file. He keeps yelling to me and my wife both were listening to him that I am no listening to him. 4- On Saturday, XX/XX/XXXX. On this day I called Mr XXXX about three times. I received a call for other documents missing. Mr XXXX stated if he did not receive this document by XXXX XXXX he will close the file. However, I did send all the file as required. At about XXXX XXXX, Mr XXXX called me again to that he need approval that the last name changes from XXXX to XXXX. He stated that he will be closing my case if he did not receive this information the right way. Mr XXXX stated at XXXX : XXXX XXXX. He must leave and turn off his phone. However, I e-mail him a nationalization certificate to approve the change of my wifes last name. On this day at about XXXX XXXX, I asked him to lock the rate. On Monday I called him regarding the loan. Mr XXXX stated that he did not lock the loan. Why Mr XXXX did not lock the loan? I asked the bank to hear the recorded information between me and the In all the Banks in the state of Arizona, all the conversation between the loan officer and the customer must be recorded on line due to the accuracy and the type of the loan. Most customers refinancing for {$40000.00} to {$500000.00} loan. This means all the customer expected that all the information to be recorded. I would like to hear the conversation between me and Mr XXXX. Chase bank stated that no recorded conversation had happened. In about four days later I received the loan dated XXXX loan number # XXXX. This loan for 30 years fixed rate with % 2.7 APR which I am not asking for that loan. I am asking only for 10 years fixed rate. Please see the attachments Paper. I am asking for % 2.7 APR or less The next day I complain to chase Bank complain center at XXXX. After a few days, XXXX XXXX gave a bad image to several managers that I complain to them. Responding to Mr XXXX, XXXX XXXX to his e-mail on XX/XX/XXXX. He stated, XXXX XXXX block my number last week as I ignored his message that he was out in the office. Please see attachments. What is the reasons that Mr. XXXX block my phone number? What I did wrong to him? It is clear they prevented me to refinance my house. Indeed, I called Chase Bank several times at XXXX. I called about three- or five times Chase Bank center to get some help. They respond to me that I must contact Mr XXXX to get a result for my loan. The center office stated to me that I must call Mr. XXXX again he, is the only manager who will help you. When Chase Bank center responded to keep calling Mr XXXX, I thought his assistance will respond to me when he is absent. Meanwhile, the number I am calling is the office number is not a personal phone number. The office stated that I must call his number, to get a solution. Mr. XXXX coworker never responds to me. Therefore, I used the office number XXXX, and the Cell Phone is XXXX both has the same number. I spoke with Mr XXXX worker who takes over during his absence for ten days, he responds to me and he promised to call me back to solve part of this issue after. He never calls me back and he never did. As a result, I feel that Mr XXXX gave a bad image to everybody in his office. I must state that the rate for the loan in ADD for Chase Bank site internet add date XX/XX/XXXX by Chase Bank was low between 1.9 APR and 2.8 APR. Chase Bank should outline all the major steps needed to be completed by a loan processor to ensure a successful loan package. Mr XXXX never used the following guideline to serve as good security for any loan processing environment As a family we have been under more stress and anxiety, leading to medical issues due to the pressures caused by the bank treatment attempt. Indeed, we applied two times for loan refinancing XXXX Complete application ), but Chase Bank rejected us due to the error in Social Security. This error caused by Chase Bank. Indeed, I lost my good credit. I used to have very strong credit since XXXX. Now the interest rate getting low. I tried to refinance my house with a low interest rate, I could not. The interest rates up and high to the sky from % 2.7 to % 3.3 APR and higher. Indeed, I am a person who loses the benefit of a low interest rate. Chase Bank about to make huge damage again for the second time. The 1st damage is done to me and my family when Chase Bank change my social security and identity this happened early about XXXX. And the 2nd one was when Mr XXXX forged to lock the rate. On about XXXX, I started contact with Mr XXXX XXXX ( XXXX ) -XXXX Ex XXXX from the executive office after contacting the center of Chase Bank in ( XXXX ) XXXX, who keeps calling me at the wrong time at XXXX XXXX during my work. Who keeps sending me the information using a corruption file and never been open and refusing to send his e-mail by text? Mr XXXX stated that Mr XXXX could not do the credit without the application. In fact, Mr XXXX did the credit and he finds about {$4500.00} is delinquency from Social Security Cause by Chase Bank as a letter from Washington DC shows somebody has my social security. Mr XXXX stated this has a big impact on your credit. However, the over writer person will be asked to pay this amount of money before I start the loan. all this damage caused by Chase Bank. Mr XXXX asked me to lock the loan any time after they are checking my credit. However, Mr XXXX and Mr XXXX asked to lock the rate any time after checking your credit. After this, I should fill the application and accepted all the requirements. Indeed, I thought that the bank already deducted the {$500.00} dollars for nonrefundable. As the result, Mr. XXXX checks my credit to secure the loan. During my conversation with Mr , XXXX XXXX stated that Mr XXXX did not anything yet for my loan. He stated that I did not fill an application. However, I did what Mr XXXX and Mr XXXX have approved his notes later as you see below Lock the loan or submitted an application Mr XXXX is the head manager for the Loan departments on his e-mail dated XX/XX/XXXX time at XXXX XXXX. Please see the paper attachments. XXXX, as I have mentioned before we still have not locked or submitted an application yet. Please see my emails below. To move forward with an application, there are still some steps required including you paying a Non-Refundable {$500.00} good faith funds. Rates are higher now. The 2.75 % rate is now costing .993 points ( APR is 3.4863 % ) for the 10-year fixed program. Interest rates, points and APR quoted are subject to change based upon credit score, loan-to-value, and other factors. I do believe that the delay in the process for the loan refinancing, together with the inability to communicate with the right people and handle my case properly, which is not my fault anyway, are the main reasons for being on the verge of losing the low interest again for the second time in history. It is due to this delay over a long time attempting to secure the loan process that the house no as an option. All these problems are caused by Chase Bank due to their negligent and miss management. Sincerely, XXXX XXXX | ||||||
| 03/19/2023 | Yes |
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| My issue with chase bank began in XXXX XXXX when XXXX XXXX XXXX charged my debit card about XXXX. I did not rent a car in XXXX from XXXX they perhaps had my card on file from a previous interaction where my fianc had warranty work done on his vehicle and I gave XXXX my ID and debit card to make a copy because it was possible that I would be driving the rental car provided by XXXX XXXX XXXX, during the time his car was being fixed all that being said, I called XXXX and Chase when I saw that charge in XXXX and said that there has been an error because I should not have any charges from XXXX whatsoever. The rental car company said they didnt charge me and that it was my banks mistake. They verified twice that on their end they had not charged me. Not knowing if this was true or really what to do about the whole situation I called Chase and let them know that there has been a fraudulent or wrong charge on my account. I gave them the details of the company and said I was willing to get whatever information or documents that they may need from me or from them or Id be willing to go in there and talk with them again for the third time whatever I needed to do he said OK we will call you and let you know, if we need anything else but it should be fine and they immediately same day credited me back to XXXX. A few months later my account with Chase was very low. I had some personal things happen with my mom unexpectedly getting sick and being in the hospital during the month of XXXX. I advocated for her to come home to my parents house and have nurse care which they did approve but the insurance only covered so much so I became her primary care. It has been a lot of changes and so I have been unable to work as much as I used to. Its been very tough for me financially but my first priority, of course is my mom is getting her hopefully healthy. I have always been good to make sure that I have enough in my account to cover my basic bills with a tiny cushion. Previously, I have worked in XXXX for almost 20 years and spent many of those years doing XXXX XXXX. I worked for a big company, and unfortunately got laid off due to Covid. I had a severance pay for a while, but I have had trouble finding a job so I have been just doing part time XXXX XXXX XXXX XXXX XXXX XXXX part time to get by but with my mom being sick and me taking care of her I simply do not have the time however I know how much money I have in my account to the penny pretty much all the time. So when Chase took out the XXXX it caused me to overdraft my account. I was unaware that this had happened at first so when I made transfers from another account to my Chase account to pay for my credit card bill or other things, I didnt know I was already in the red, I thought I was even within an XXXX cushion or so. I incurred a bunch of XXXX fees. This created a snowball effect and when I called them and asked why they had charge me for that the amount that XXXX took out they said they had closed the case because I never called them and gave them more information but when I told them that they had not contacted me, they said as a courtesy, they would refund me three of the eight XXXX fees. I was grateful for that because I felt that I shouldve been monitoring my account more diligently, and I had to suffer the consequences. Although I was pretty upset that they didnt follow through with any kind of investigation about the XXXX charge from XXXX I figured I would call and speak to somebody else at Chase who could help me further or maybe I will try giving XXXX another call to get to XXXX sorted out. Also., At that time chase told me that I can turn off the overdraft protection so my account would not go past zero, and get into the negative. So this is what I did moving forward I took off the overdraft protection, and my understanding was whatever payments or whatever card transactions going through would not be paid I made a plan to settle up with my credit cards and other bills at the end of XXXX when I hopefully had a little bit more money to talk with the electricity company and so forth, but again my account was overdrawn because an automatic payment for my credit card went through and made me negative so several days I was negative unknowingly during this time I was taking care of my mom and my little boy had to go to the hospital as well. I was extremely busy, but I didnt even think that anything was wrong with my Chase account because I had turned off the protection and so if anything went through it would be zero I even tested it out at a store and my card was declined and so I thought OK good Im at zero or maybe a few dollars but its OK Im not getting charged the XXXX every day when I saw my account was overdrawn now a couple hundred dollars I added up the fees which were XXXX. I had my account overdrawn XXXX. To me this didnt make sense because if they had not charge me all those fees, I actually would have money in my account because I get a direct deposit from a job every Thursday night for XXXX It is not much, but it is enough to cover my basic bills when I called on Thursday, XXXX XXXX XXXX the representative from Chase bank said that they could not help me with any of the fees or the fact that they took out the XXXX from XXXX mistake. The reason that was stated was that Chase Bank had tried to call me to ask for more information, and I never got back to them I asked the gentleman to tell me which days Chase had tried to call me and leave a message and/or I didnt answer. He told me the dates and I checked my call records. I have no messages no calls no text nor no emails from Chase on those dates or any dates since this whole incident first began in XXXX. I was really upset that they had closed the case and told me that since they closed the case I cant re-open it. Its a done deal and pretty much suck it up. It was disconcerting to me because I always thought that banks will have your back if someone commits fraud against you after all isnt that money insured and this was not some dispute with me and the merchant over a service or an item - it was a merchant that charged me some thing in the wrong for completely no reason I have not even been there. I am not saying that Chase lied to me about trying to call me but I know that because of the situation my mom has been in. I answer every phone call because it is about doctors and medication and a lot of important things for my mamas life , so I dont miss any calls it just wouldnt happen especially more than once there was no messages nothing. Anyway, so I thought the matter was settled never expected them to take it back out of my account not only that but XXXX also charge me a XXXX fee I saw in months before I told Chase about that and even wondered if we could do it as a separate issue but they said no they could not the case was closed so now my account is overdrawn basically from fees and from money that was wrongfully taken out of it, I believe it is XXXX plus the XXXX fraud charge XXXX add up to about XXXX. Im not sure if it matters to say that I am struggling already financially but it is ironic that my electricity bill is about XXXX and I cant pay it this month, and that is the same amount that Chase has cost me. And it gets worse- Thursday , when I mentioned to the representative that I would perhaps be seeking to write to the consumer financial protection bureau, because as he had stated, they were out of any options to help me, I think something happened On their end because a couple hours later I got a call from a woman from Chase when she called it said JP Morgan, Chase and she was very very nice and she asked me about things that were going on in my life and with my bank situation and I thought she was a very wonderful person. She told me that shes would find me a fee reversal, or us a free credit. of XXXX. That would have brought me back to only being XXXX and since my direct deposit was going through on Friday morning of XXXX I would be back in the green. We spoke for a while and I just want to say she was really nice and very helpful and seemed concerned in caring but I didnt receive and have not received that fee credit like I thought I was going to so what happened was my direct deposit of XXXX did go through but I was still XXXX and so I was charged XXXX for Thursday, Friday and I am sure I will incur one tonight as well. The XXXX never has posted to my account its been two full days. To me it was implied that it would be immediate because we even spoke about it how when my direct deposit hopefully goes in mint on midnight that night with the XXXX I would be in in the plus side. I dont know what happened or why all I know is that my account is still negative the XXXX dollars of my direct deposit it is unusable and still XXXX plus the three XXXX fees so I think the total of chase fees and everything else plus a XXXX fee because my account was negative from their fees XXXX. I am so nervous and scared that I will never get caught up because I really am living dollar to dollar. Its been very hard but I have always been in good standing with my banks and as a person who used to be able to work in a XXXX XXXX, it causes me so much anxiety that my bank account is negative. I have heard of many other people, family and friends having issues with Chase and now Im feeling the pain of it all to you. I just dont understand why they would not call me in the first place about the XXXX and take out the XXXX to charge me those fees and then not offer any help when I needed it and not have any answers for me not even who or when or any questions or go on answered its all oh thats not my department and the whole run around it takes so much time to get nowhere and then to have someone called me the day before yesterday and be so kind and sweet and probably, I think they were hoping to stop me from making a complaint against them to this bureau and make me promises of making my account all good and not to follow through and to add up all the money and no its at least XXXX is so diss concerning and so wrong. I honestly dont know what to do but there has to be a better way to go about things. My apologies for the very long explanation but I just want to make sure I provide all the details of this whole thing. I am still trying to wrap my head around it and Im very confused and Im very much in a dire situation and I hope that anything can be done to help out a little bit please let me know if you have any further questions or need any more information. I thank you for your time and help with this manner. Kind regards. | ||||||
| 07/19/2020 | Yes |
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| Hello, I am sitting here writing into the CFPB at XXXX on a Saturday night, and I hope that is enough to tell you that I am not in the best mood. I have XXXX sellers harassing me for payment and threatening to cancel orders on literal one-of-a-kind priceless coins, gemstones, and antiques. Or about as near to priceless as it gets ( is a XXXX coin, part of a roll of XXXX, that I purchase for {$200.00} ( the entire roll ), enough? ). Please see some of the screenshots of these items. An XXXX civil war token in gem mint condition?? Thats one coin on a roll of 50 that has been wrapped since the XXXX ( the seller is a XXXX year old gentleman, whose mother recently passed, and he rolled them with her sometime in the XXXX ). And thats one roll of probably 20. And you are messing with that. This isnt a replicable business opportunity. Will this guys mother resurrect, the pennies she wrapped ( and her son already sold to other people ) magically appear again, and then suddenly die again? Frankly, you have been tampering with my ability to buy other rolls of priceless coins from this guy and others ( who has no clue - he is just selling moms old coins. He knows theyre valuable ; however, I doubt he would be selling them for {$100.00}, much less {$10000.00} per roll if he knew what the contents were truly worth ). And before you ask, yes, I did a trial run. These rolls are the real deal. Very hard to find and all original ( no fake ends/decoy/inauthentic original bank wraps ). There is also a seller on XXXX who goes by the ( redacted so you dont steal my ) - and occasionally puts about 30 rolls of uncirculated gem mint CC XXXX, XXXX, from the XXXX federal reserve vault. And nobody knows this guy because he only puts items up every few months ( part time seller, also buys casually ). And I am missing out on XXXX XXXX XXXX ( federal reserve bank ) wrapped rolls of {$20.00} gem mint XXXX and XXXX XXXX dollars for only $ XXXX per roll ... do you have any idea what a XXXX XXXX XXXX is worth in gem mint condition ( XXXX and higher )??? A minimum of {$5000.00}, each ( 20 coins per roll, 30 rolls - you do the math - every increase in grade is a double in price, at least ). And thats net profit, not gross. Thank you, Chase, you just XXXX me out of {$400000.00} ( not counting the priceless rolls of civil war tokens and XXXX XXXX XXXX cents in amazing condition that my seller may cancel, as well as the ones i wouldve bid on if I had the ability to use my own XXXX money ). This is unacceptable. Anyone familiar with Pavlovian psychological principles will likely understand how varied intermittent reinforcement creates a particularly toxic cycle, especially when finances are involved. Chase, you have robbed me of my stability, through no fault of my own. You have sat back and smooth-talked me while I have kicked and screamed and begged for help. You are an XXXX, and I am the victim. And to everyone who witnessed this XXXX, inside and/or outside of this corporation, and did nothing to stop it or intervene : XXXX you. Im XXXX. Youre going to reimburse me not only for the lost business opportunity this evening ( conservatively XXXX XXXX dollars in rare coins that I could have purchased for $ XXXX {$2500.00} and did not because I had next to no confidence in my liquidity, yet some courage to try to use my own assets ... imagine how ridiculous that sounds ... courageous ... and use my own assets next to each other ) .... but thats what chase is doing.. this has been going on for months - I wrote this allegation in my first complaint to the CFPB. I write about how I had no XXXX idea what the heck Chase was doing/where they were involved/implicated in this entire ordeal ; however, I make it clear that it was near impossible to get in touch with them, despite many attempts to do so, and that for, going on three months at that point, possibly almost four ( this was XXXX ), that I had been unable to use my card and access my account. And when I did get in touch with them, I got employees who ultimately shipped my credit card to the wrong address ( my parents house, 1000 miles away .... where I havent lived or frequented for years ). If my address werent made clear the first time they shipped my card to the wrong address in XXXX ( my current address in California is what I entered into the application as my shipping/billing address ), it was more than clear the second time I asked it to be shipped to my address here in California, and they still shipped it to my parents house. In fact, I believe that this was done to spite me because the last employee with whom I spoke before this mistake occurred ( again ) was particularly rude and XXXX. This issue with the shipping alone ultimately took about two months to figure out, during which, I was unable to pay the card, because I had no account information ( and no card ) with which to log into the app/give representatives to pay ... These past few weeks it has been reasonably easy to contact chase ( considering I now have a direct line to the executive office, given the nature of this ordeal ) ; however, before literally having a line to an executive director at chase, it was virtually impossible to get in touch with them through the phone number on the back of the card. Please, whomever is reading this comment, call the number : XXXX. This is the domestic line given to contact chase card services on the back of the amazon prime rewards Visa card. Call it ... ... go ahead. Im serious. Give it a try, and what happens? If youre one of the lucky ones, you might catch their phone menu on a good day, and you may actually be able to interrupt the minute-long readout of your balance and other information that you already know ( and involuntarily have to listen to every time you push a button/call ). If you catch it on a bad day .... hahahahahahahahahahahahahhahaahahahahhahahahahahahahhahahaahhahahahahhahahah Sorry. That was inappropriate ; however : Good luck ( is all I have to say )! Welcome to the fresh XXXX of only being given the option to make a payment ( on a card for which I can not provide the number, because I havent gotten it ), hear account/balance information, and a whole bunch of other useless automated features that do nothing to solve complex issues, like the ones that customers call in to speak with a human being to fix. Its not like your reps are much better than the automated menu, tbh, though. And thats not to insult them as people. That is to say that they are more intelligent and can be given more power and more responsibility to help the consumer ( and they should be given this power/ability ). Half the time that I call, I need a real life solution, because life is constantly changing, and a company that wants to keep me as a customer needs to keep up with me or Im going to switch. Its clear your programmers have no XXXX idea what theyre doing, and your entire organization is suffering as a result. I can imagine my past suggestions were taken with derision and unwillingness ( regarding the nature of your systems programming - I know how arrogant, stubborn, and prideful these types of individuals can be ). Put your XXXX pride aside, and you need to reconsider those suggestions or ( frankly ) fix it however the XXXX you want to fix it. Just get it done, and then take some XXXX accountability for the past 6 months of XXXX. This card has been a liability ever since I took it out. I opened it with the intent to finance some purchases in order to make my finances stretch a bit further ( due to lack of access to additional academic financial aid for complex reasons ; however, this inability to obtain aid was through no fault of my own ). This time was a crossroads for me/my life ( XXXX, end of XXXX ) in that, I had been paying for school and living expenses as much as possible ( offsetting them ), with {$21000.00} I had in savings. And I started spending that gradually around 3 years ago. About a year ago, I did some calculations and determined that rate at which I was consuming capital ( and the future problems I knew I would have getting financial aid ) necessitated that I make an alternative plan to obtain the capital I would need. When I started this process, I took out the amazon prime rewards visa, due to the fact that I needed a laptop and some other essentials and was going to use it to finance these purchases ( w/ the 0 % apr opening offer ). I rarely take out any type of credit card ; however, when I do, I think the timing, the type, and everything else put about the card before I apply. I thought these things out far in advance. When XXXX rolled around, I had been having problems with my amazon card ever since taking it out and had yet to be able to work/get in contact with chase in any serious capacity to fix these issues, mainly because they kept shipping my card to the wrong address and it was so difficult to contact them through phone and/or online ( online and in app were not doable because I didnt have my account info until late XXXX, when they finally managed to ship my card to the correct address ). At that point, when I requested the new card after they shipped it to the wrong address, I wasnt too worried about my credit score dropping from the high utilization rate in XXXX, because I was confident that I could call chase after the fact, and they could reference all the calls I made and all the trouble I had getting my card and setting up my account. And I assumed ( incorrectly ) that they would be reasonable and understand that their end is screwed up and that I did everything I could to fix it on my end. No one is sorrier than I am that you all XXXX this up for me ... believe me when I say that I wish we never had to meet. On a related note, your phone menus XXXX ( how is it NOT criminal to put people through this?? I am a XXXX XXXX, and I actively work with various XXXX XXXX XXXX and XXXX XXXX. I have an extensive background in XXXX XXXX XXXX XXXX XXXX ; and, your engineer ( s ), the ones who designed this system for you, Chase, are the same people who have cheated off me my entire life. Im not going to hesitate to insult them ; because, frankly, theyre XXXX XXXX, and they should be fired, because they have consistently failed to perform at their jobs. Idk if their families paid their way through school or spoiled them too much or what .... frankly, I dont care, and its not my business to care. The point is that your system doesnt work, and I have lost money ( and FAR more important things than money ) because of this continued malfeasance. Its continuing to add up, Chase. | ||||||
| 02/06/2021 | Yes |
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| In XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX through XXXX and JP Morgan Chase ( hereinafter referred to as " Chase '' ), specifically through their " XXXX XXXX XXXX '' division. When my lease end date of XX/XX/XXXX was approaching, I contacted Chase to see what I had to do, and was informed that I received a six-month extension on my lease. As the new lease end approached in XX/XX/XXXX, I took my car to get repaired at a local shop prior to the lease turn-in, however, the repairs were delayed. When I asked about the repairs, I was told that the shop 's employee who did a specific portion of the repair was out ; having been diagnosed with XXXX. I immediately notified Chase and was told that, if the repairs went beyond a 10-day grace period offered at the end of the lease, I would have to go forward paying the lease as I had been to that point in what was practically described as a month-to-month situation. Around this time, I spoke to my auto broker and was advised to buy the car instead of getting a new lease, as I had invested a significant amount having it repaired. At this time, in XX/XX/XXXX, I began attempting to pay my outstanding balance ( which I was told would accrue akin to a month-to-month contract ) and to go through the buyout but was locked out of my Chase account. Indeed, I searched for information as to how to pay my outstanding balance but was separately informed that the account was locked, that the account did not exist, and/or that XXXX XXXX XXXX was becoming a new department of some sort ; and that that was the root of the issue. Despite my repeated attempts, I was prevented from paying my outstanding balance. On XX/XX/XXXX, after around six weeks of attempting to pay my balance, I was diagnosed with XXXX. Although I was lucky to not require hospitalization, I suffered a moderate bout of the XXXX and, over a month later, am still recuperating. While bed-bound and incapacitated by XXXX, I received a call and voicemail from Chase asking me to call back -- not dissimilar to calls I had received in the past. Once again, I attempted to pay my outstanding balance but was informed I did not have an account, and was unable to ascertain the amount I knew I must owe. In or around mid-XXXX, about the time my symptoms began to subside, I checked my credit report and noticed that I had received a 30 point reduction ( hereinafter referred to as the " credit hit '' ) on the basis that I was " 31-60 days late '' on the Chase balance I had been trying to pay for two months. Once again, I was unable to check my balance or pay it and, only after finding the earlier voicemail and calling the specialty number listed, was I able to talk to someone who acknowledged that I had an account with the company. Upon speaking to the representative, I was told for the first time that my car had a repossession order out and that I could not buy the car. I requested to speak to the representative 's manager but was told the same, non-sensical thing. In light thereof, I requested to speak to Chase 's in-house counsel or legal department but was told that customers " could not speak to the legal department, '' -- which is likewise ridiculous -- and was told that, for any recourse, I would have to send a letter to Chase 's corporate office in Ohio. I was also unable to pay the outstanding balance. When I pressed to speak to legal or someone higher on the chain of command, I was told that I would have to wait 48-72 business hours for a call from a supervisor. Four days later, after the weekend, I received a call from a Chase supervisor named XXXX, who was very helpful. XXXX, in direct contradiction to what I was earlier told, stated that I could buy the car, and told me not to worry about the repossession order. I asked XXXX why I had not received any notice of any of these issues with Chase, and was told that the mailing address on file was my previous permanent address. After receiving assurance that I did not have to worry about the repossession order and that I could complete the buyout, I provided XXXX with my current address for mailing ; and confirmed that it was my residential address. XXXX directed me to get the buyout amount -- which I did -- from a member of a different department at Chase. Thereafter, I requested to speak to Chase 's finance bureau to dispute the credit report hit I received when Chase prevented me from paying the balance by locking me out of my account. When I reached the credit bureau, I was once again told that the car had an order for repossession and I could not buy it. The representative 's manager gave me the same run-around as before, and refused to direct me back to XXXX, the supervisor ; or to the legal department. Instead, I was forced to wait another 48-72 hours to receive another call from another supervisor. A couple days later, I received a call from a Chase supervisor named XXXX, who told me -- as XXXX had told me -- that I did not have to worry about the repossession and could buy the car. I discussed my attempts to have the fraudulent credit hit taken off my credit report -- especially as I was going to have to obtain financing to buy the car, as Chase instructed me to do -- but XXXX stated Chase would likely not provide a courtesy removal because, although he considered my being locked out of my account an issue that he would have to discuss with his bosses and something that would have to be " looked into, '' he didn't consider it to be a mistake by Chase. XXXX said he would direct me to the credit bureau department again to sort it out and I specifically requested that he add in a note on my account stating that the repossession was not to be pursued and that I was able to buyout the car. After being transferred to the credit bureau, I explained the situation but, as XXXX had predicted, was told that Chase would not provide a courtesy removal because they did not consider their having blocked me from paying off my outstanding balance as a mistake on their part. In light thereof, I opened a dispute on the issue with XXXX Within a few days thereafter, I received a call from another supervisor named XXXX, with whom I discussed the repossession order, the credit bureau issue, and the buyout options. Once again, I was assured I should not worry about the repossession and was told all I had to do was obtain financing -- either through Chase or another lender -- and then I could call Chase back to complete the buyout. Upon the advice of my auto broker, I applied for financing with XXXX XXXX XXXX XXXX XXXX but, I believe due to Chase 's wrongful credit hit, I was denied. The hard inquiry associated with this finance inquiry likewise reduced my credit score my 3 points. I thereafter applied for financing with XXXX XXXX XXXX and, after a few days of providing proofs of income and speaking to a XXXX representative named XXXX, I was finally notified on XX/XX/XXXX by XXXX representative XXXX XXXX that I had been approved for the buyout amount of XXXX. Immediately after receiving notice of the financing approval, within 5 business days of Chase supervisor XXXX directing me to just secure financing, I called Chase to inform them and to complete the buyout. However, the representative with whom I spoke told me I had to speak to a different department that was closed, and gave me the number to call the next morning. On XX/XX/XXXX, I contacted the number I was given and was told that I had to speak to a different department. I was connected to another representative, and was informed that my car had been repossessed, despite the numerous assurances I received from Chase that I did not have to worry about the repossession order and just had to follow the steps they gave to complete the buyout. After confirming that my car had indeed been taken ( I had not left my home for several days due to the pandemic ), the representative ran down a list of the fees and issues I could, or would, face due to the repossession. I informed the representative that I would not be paying anything more than I had already paid as I have reasonably relied on Chase 's employees ' directions and claims for months, and that I would be filing suit against Chase for fraud, unfair business practices, equitable estoppel, injunctive relief, etc. The representative refused to forward me to Chase 's legal department or in-house counsel, and instead directed me to her manager. Of note, after providing me assurances that I did not need to worry about the repossession and that I could complete the buyout, and soliciting my residential address to do so, Chase forwarded my residential address to the repossessor in order to repossess my car in bad faith. I described the entire sequence of events to the manager and was told my only recourse was to go through Chase 's dispute process -- the first time I was told such a process existed. I provided the basis for my disputes regarding the repossession of my car and the wrongful credit hit that was Chase 's doing, and was told I would be contacted " next week '' by my dispute case manager. My Chase dispute number is XXXX. After having been purposefully stymied from receiving information for Chase 's legal department or in-house counsel, in what can only be described as a bad-faith business practice in and of itself, I was able to find contact information for a Chase auto finance assistant counsel located, not in Ohio, but in XXXX XXXX, TX. I left a voicemail for the in-house counsel, but have not received a response. In preparation for potential litigation against Chase given their dilatory, evasive, fraudulent, and unfair business practices, I have reached out to a consumer protection law firm, and may retain them if Chase continues to refuse to assist in resolving the matter. Chase 's actions have caused me significant emotional distress, as well as significant financial distress through extremely detrimental credit reporting policies and techniques. My car is at the repossessor 's impound lot some 25 miles from my house across XXXX XXXX, however I have no means of transportation to get there, and have an XXXX disorder that makes me highly susceptible to Covid-19 and other immune issues. I reached out to the repossessor, XXXX XXXX XXXX, to inform them that I was disputing the repossession and to request the car not be moved or sold while the matter was pending, but they stated they are at the mercy of Chase. I have likewise reached out to my congressman regarding this situation and Chase 's predatory lending, billing and collecting practices at the height of the Covid-19 pandemic. | ||||||
| 12/06/2023 | Yes |
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| I went into a Chase Bank Branch in I went into a Chase Bank Branch in XXXX, XXXX at the XXXX XXXXXXXX XXXX branch located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After producing the required verification documents to the banker at the branch ( Driver 's License and Social Security Card ) the banker inputted the information into their computer system and received an approval and an account number to continue with the opening of my new bank account with Chase. After handing the banker the funds in cash to deposit into my bank account, he received an alert on his system that my new account has been flagged and that he needed to call the number on the screen to speak to another bank department regarding this brand new account that has been opened for less than 5 minutes. After a lengthy conversation with the person on the other line, the banker hung up the phone and told me that unfortunately my new account will be closed immediately and without further notice. I asked him why this was happening and if their was anything that I could do to keep this from happening and the banker told me that the reason that was given to him by the back office was that my new account is being closed because I allegedly made a transfer or had sent money to a country that was forbidden or that my money transfer was suspicious and unauthorized for me to send in the first place. He stated that basically the bank thinks that I am sending money to the XXXX XXXX to fund some kind of illegal activity or otherwise and this is why they will not allow me to open an account with them now or ever. They claimed that this had been allegedly done back in XXXX when I did have a Chase Account. This is completely and utterly wrong and I have never sent or attempted to send any funds to any XXXX XXXX Country or even anywhere outside of the United States of America. I have never made any wire transfers. I have never initiated any ACH transactions internationally, And I have never ever even thought about sending funds for ANY ILLEGAL ACTIVITIES WHATSOEVER. You will not find a single transaction that would even remotely indicate this kind of activity with Chase or even attempting to send any funds to an outside country or entity ever with Chase or any other bank. Just because I am of XXXX XXXX because my parents had been born in XXXX, they XXXX to the United States of America in the late XXXX 's and then I was born in XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX as a 100 % United States Citizen. You have rejected the opening of any new bank accounts each and every time since XXXX and it usually happens after the system approves the account online and then 24-72 hours later you lock my accounts, deactivate my debit cards, and hold my money XXXX and won't ever tell me the reason why this is being done. You tell me the same thing each and every time which is, '' We are exercising our right to not disclose to you the reason as to why we are closing your account and banking relationship with Chase, and just like I don't have to tell the bank why I will close my account either. It is in our terms and conditions, please read them if you haven't already. '' This is the same generic answer I get every time and the bank absolutely refuses to tell me why they have drastically closed my account with them. '' This is complete and obvious discrimination by the bank. It doesnt not get any more clearer than this to see that they are discriminating against me because I have an XXXX XXXX middle name and sur name. My full and legal name is XXXX XXXX XXXX. I believe that you must think that just because my parents came from XXXX over 60 years ago that I am guilty by association and by my name having XXXX middle and sur names even though I was born as an American Citizen and have lived right here in the United States my entire life. I believe that the banker had made a big mistake by telling me what the back office would never disclose to me in the first place. In fact, he is my witness to what was said to me back in XXXX, XXXX at that particular branch, and if necessary, I will get his XXXX, XXXX at the XXXX XXXX California branch located on XXXX XXXX at XXXX XXXX XXXX XXXX. After producing the required verification document s to the banker at the branch ( Driver 's License and Social Security Card ) the banker inputted the information into their computer system and received an approval and an account number to continue with the opening of my new bank account with Chase. After handing the banker the funds in cash to deposit into my bank account, he received an alert on his system that my new account has been flagged and that he needed to call the number on the screen to speak to another bank department regarding this brand new account that has been opened for less than 5 minutes. After a lengthy conversation with the person on the other line, the banker hung up the phone and told me that unfortunately my new account will be closed immediately and without further notice. I asked him why this was happening and if their was anything that I could do to keep this from happening and the banker told me that the reason that was given to him by the back office was that my new account is being closed because I allegedly made a transfer or had sent money to a country that was forbidden or that my money transfer was suspicious and unauthorized for me to send in the first place. He stated that basically the bank thinks that I am sending money to the XXXX XXXX to fund some kind of illegal activity or otherwise and this is why they will not allow me to open an account with them now or ever. They claimed that this had been allegedly done back in XXXX when I did have a Chase Account. This is completely and utterly wrong and I have never sent or attempted to send any funds to any XXXX XXXX XXXX or even anywhere outside of the United States of America. I have never made any wire transfers. I have never initiated any ACH transactions internationally, And I have never ever even thought about sending funds for ANY ILLEGAL ACTIVITIES WHATSOEVER. You will not find a single transaction that would even remotely indicate this kind of activity with Chase or even attempting to send any funds to an outside country or entity ever with Chase or any other bank. Just because I am of XXXX Nationality because my parents had been born in XXXX, they XXXX to the United States of America in the late XXXX 's and then I was born in XXXX in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX as a 100 % United States Citizen. You have rejected the opening of any new bank accounts each and every time since XXXX and it usually happens after the system approves the account online and then XXXX hours later you lock my accounts, deactivate my debit cards, and hold my money XXXX and won't ever tell me the reason why this is being done. You tell me the same thing each and every time which is, '' We are exercising our right to not disclose to you the reason as to why we are closing your account and banking relationship with Chase, and just like I don't have to tell the bank why I will close my account either. It is in our terms and conditions, please read them if you haven't already. '' This is the same generic answer I get every time and the bank absolutely refuses to tell me why they have drastically closed my account with them. '' This is complete and obvious discrimination by the bank. It doesnt not get any more clearer than this to see that they are discriminating against me because I have an XXXX XXXX middle name and sur name. My full and legal name is XXXX XXXX XXXX. I believe that you must think that just because my parents came from XXXX over 60 years ago that I am guilty by association and by my name having XXXX XXXX and XXXX names even though I was born as an American Citizen and have lived right here in the United States my entire life. I believe that the banker had made a big mistake by telling me what the back office would never disclose to me in the first place. In fact, he is my witness to what was said to me back in XXXX, XXXX at that particular branch, and if necessary, I will get his statement on record in case this has to go to litigation due to not opening up a checking account as a result of this complaint due to your negligent and willful act of discriminating against me and making up false reasons and ghost transactions that had never happened under my name or accounts with you in the past or the present and certainly not in the future. Feel free to review my transactions that had been associated with my account back in XXXX and you will then see that you have been wrong this whole time and that there isn't any transactions or attempted transactions to send any money abroad and to fund any kind of illegal activities whatsoever in any way. I insist that you do just that. I am not just going to go away and be wrongfully accused of something that I have never done and for the bank to wrongfully accuse me of making any kind of unauthorized money transfers to any questionable entity or country in any way. I have verbal evidance from a bank employee that didn't know any better when he told me the reason why my accounts keep getting closed and without any type of explanation whatsoever. It all makes perfect sense now why you wouldn't want me to know that basically the bank thinks that I am some sort of XXXX just because of my name and my because i am 100 % of XXXX descent but a full XXXX XXXX that has absolutely no ties to the XXXX XXXX in any way. This is complete discrimination by you and if it doesn't get rectified soon, you can be sure of one thing : I will make it my life long goal to discredit and to reveal to the public through the media and Social Networking Channels of exactly what kind of bank you really are and how you discriminate against innocent XXXX XXXX just because of their name or their descent. Just like you have tarnished my name and profile with you and have turned me into some kind of monster in your eyes, I will reciprocate and make sure that at the end of all of this, I win. Not because I want to win so I can seek compensation from you ( I don't care about that whatsoever ), but because I want to win out of mere principle and to prove a point to the bank, any Civil Courts, and most importantly to myself and the rest of the public. I hope that you do your due diligence here and give this complaint your complete attention and in turn, a result that is amicable between the both of us, and that will be the end of it. Thanks for your time. | ||||||
| 03/13/2018 | Yes |
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Web | Older American |
| Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX What happened : On XX/XX/XXXX I was informed by Chase Bank about possible fraudulent activity on my Chase Checking account. The check deposited was in the amount of XXXX. The fraudulent amount stated was XXXX. Case No. XXXX. The memo came from XXXX XXXX XXXX. See Exhibit 14. My concern is that this check was processed within a 2 day period and a longer term hold was not placed on the check. I then assumed that the check was collectable. XXXX XXXX stated to me that if I did not get the funds return by XX/XX/XXXX, my name would automatically go in to a database for persons handling fraudulent checks and that I would not be able to do banking, get a credit card or handle any financial arrangements. This situation has caused me a great deal of distressed. I asked if we could set up a payment arrangement and he said they do not do that. Brief Summary XX/XX/XXXX Person claiming to be XXXX XXXX was met online through ( XXXX ) Spent time getting to know him. Communication was consistently maintained between XXXX and XXXX via text XXXX XXXX communicated to XXXX that he was a widow, and a mechanical engineer working in XXXX XXXX, XXXX XXXX on a government contract putting in a piple line. XXXX also claimed to have people working for him. XXXX continued romantic communication for the next few month gaining XXXXTrust. Over the duration of the created courtship ( 3yrs ), in XX/XX/XXXX, XXXX sent XXXX a signed promissory note for XXXX. If you add the two checks that bounce ( XXXX ) he has received approximately {$190000.00} with approximately ( 12 ) wired transactions from XXXX Annuity Account and her 401K and Life Savings. Other means of getting money to XXXX included cash wires to different bank accounts and individuals. XXXX and XXXX discussed the money being transferred to XXXX as being a loan and promissory notes were generated to document the loan and XXXX being paid back. Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 2 XXXX received a copy of XXXX passport from XXXX stating that he was a XXXX Citizen. XXXX provided XXXX with her passport and drivers license in XX/XX/XXXX, at his request in order to have the large sums of money paid back to Her by his lawyer. XXXX had several checks sent to XXXX via XXXX XXXX from his lawyer as repayment for the loans given to him. The bank ( ie. Chase Bank ) has confirmed that all checks given to XXXX from XXXX are invalid and insufficient. History XXXX says he was born in XXXX, but parents raised him in XXXX. We spent considerable time communicating and talking about our future together. He said he was living in XXXX XXXX, California in a bungalow. He said after his wife died, he lost his job because he could not concentrate. He indicated that he got a contract assignment from XXXX XXXX. He said the contract was for XXXX. He said he started his own engineering company. He said he was a Mechanical Engineer putting in a pipe line in XXXX XXXX, XXXX XXXX. He indicated that he was the project supervisor. Towards the end of XX/XX/XXXX he started telling me that he loved me and wanted to come back and be with me in XXXX. We spent considerable time communicating and talking about our future together. I fell in love with him. I thought he was a man of integrity. I thought he was a XXXX XXXX XXXX Man. Often he would quote considerable Chapter and Verses from the Bible. He continued to reassure me of his love for me and his desire to come and be with me. I have not dated anyone in 27 years and felt stong feelings for him. He wrote to me or called almost every day in the begining. His emails were eloquent and drew me in to what he as an individual represented. His writing skills are superb. He connected with my values and a XXXX Representation. In XX/XX/XXXX, he told me about a major accident with a Crane that broke on the work site XXXX told me that 3 of his workers were physically ill as a result of the crane accident. He was very upset and in tears. He said that Cranes cost a lot of money and that he had exhausted his funds trying to keep the project going. He said that if he didnt get the Crane fixed, he would not be able to complete the pipe line project. He asked me if I could loan him the money to get the Crane fixed. He estimated that the Crane cost would be XXXX. Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 3 On XX/XX/XXXX a Chase Wire to XXXX XXXX ( XXXX ) for XXXX in the amount of : XXXX for a Crane Manufacturer was sent ( See Exhibit 1 ) to start process of repairing the Crane. XXXX signed a Promissary Note for {$36000.00} on XX/XX/XXXX to me. ( See Exhibit 2 ) He also listed me on the promissory note as his Fiancee. I was touch. I began getting the funds to help him. See the following process. Nothing directly to his name or account. He always had me send funds directly to his lawyer or a designee Where Did The Funds Come From? Made Withdrawal Requests to XXXX on my existing Annuity Wired thru Chase Bank ; XX/XX/XXXX XX/XX/XXXX Withdrawal Request, XXXX. ( See Exhibit 3 ) XX/XX/XXXX - Chase Wire to XXXX XXXX, XXXX ( See Exhibit 4 XX/XX/XXXX XX/XX/XXXX Withdrawal Request for XXXX, ( See Exhibit 5 XX/XX/XXXX Chase Wire to XXXX XXXX XXXX, XXXX , ( See Exhibit 6 ) XX/XX/XXXX XX/XX/XXXX Withdrawal Request for XXXX out of my Annuity with XXXX. ( See Exhibit 7 ) XX/XX/XXXX Chase Wire to XXXX XXXX XXXX, XXXX ( See Exhibit 8 ) XX/XX/XXXX Exhitbit 9 - XX/XX/XXXX Chase Wire to XXXX XXXX XXXX XXXX, XXXX Exhibit 10 - XX/XX/XXXX Chase Wire Transfer to XXXX XXXX XXXX XXXX, XXXX What Were Reasons Communicated for the money : Actual Chase Wires to XXXX or his designated lawyer or individual : Reason for the loans XX/XX/XXXX - XXXX - ( See Exhibit 1 ) Fix Crane XX/XX/XXXX - XXXX ( See Exhibit 4 ) - Fix Crane XX/XX/XXXX - XXXX ( See Exhibit 6 ) Fix Crane XX/XX/XXXX - XXXX - ( See Exhibit 8 ) - Fix Crane XX/XX/XXXX - XXXX - ( See Exhibit 9 ) - Workers in hospital had to pay wages. XX/XX/XXXX - XXXX - ( See Exhibit 10 ) - Workers Wages to pay has no wages. Addendum To XXXX Police Dept. Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 4 Checks sent to me from XXXX or his lawyer : Some time after XX/XX/XXXX, XXXX sent a check to me for XXXX. It looked like a social security check. I took the check to XXXX XXXX as I was working in XXXX. XXXX, Colorado. XXXX XXXX informed me that the check was invalid and they closed my business account. I told XXXX about this and he apologized and said he will straightened things out for me and write a letter to XXXX XXXX. He never did. I need to find a copy of the check to submit on this case. Sold Condo in XX/XX/XXXX proceeds XXXX to XXXX in support of buying another crane : Taken from XXXX XXXX XXXX XXXX - Business Account XX/XX/XXXX XXXX to Process Enterprise, XXXX XXXX XXXX, XXXX, XXXX, XXXX Recipient Account : XXXX - Branch Code : XXXX, Swift Code : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. ( See Exhibit 11 ) XX/XX/XXXX XX/XX/XXXX Chase Wire Transfer to pay taxes on a XXXX Contract - See Exhibit 11A XXXX. Checks XX/XX/XXXX Copy of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX XXXX Label sent to me for fraud checks to me ship date XX/XX/XXXX for checks sent to me. ( See Exhibit 12A ) XX/XX/XXXX Memo/Comments on XXXX check from Chase Bank that bounced Copy of actual check ( See Exhibit 13 ) XX/XX/XXXX - Chase memo to me regarding fruadulant checks ( See Exhibit 14 ) Addendum To XXXX Police Dept. Case XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 5 Research On My Case : Pertinent Information retrieved regarding XXXX The person known XXXX who has been communicating with XXXX does not exist. The pictures were used as a ploy. The last wire transfer in the amount of XXXX was wired to an account number and bank that XXXX provided to XXXX. The account and the money was wired to an account at XXXX XXXX in XXXX, GA and to belong to XXXX XXXX XXXX XXXX. ( See Exhibit 16. ) The owner of XXXX XXXX XXXX XXXX, is listed as XXXX XXXX in XXXX, GA. Using XXXX XXXX and XXXX we determined that XXXX XXXX is also known as XXXX XXXX and was married to XXXX XXXX in XX/XX/XXXX. ( According to XXXX XXXX and XXXX ) XXXX XXXX is the owner of XXXX XXXX XXXX XXXX located in North Carolina and XXXX XXXX is from XXXX and studied Technology at a Technology college or institute. ( according to XXXX ) The Checks that were XXXX to XXXX were said to have come from XXXX lawyer or a designated individidual.. This was communicated to XXXX by XXXX. The Checks were from XXXX XXXX Operating Account in XXXX, Texas from XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX exist, however, the account numbers listed on the check do not exist. The checks appear to be fake. No XXXX XXXX Exist as well. Checks were XXXX XXXX through XXXX XXXX HR Systems at XXXX XXXX XXXX which is a valid Payroll Management company out of XXXX, OH. When I called they were not aware of the XXXX XXXX. They indicated that someone must be using their number and thank me for letting them know. The bounced check money went to XXXX XXXX XXXX Accounts Money was disbursed in Cash To following Checking Accounts Per XXXX instructions : XX/XX/XXXX - XXXX Cash money disbursed to account ending in - XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in- XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in XXXX XX/XX/XXXX XXXX - Cash money disbursed to account ending in XXXX Addendum To XXXX Police Dept . Case No:XXXX & FBI Report created on XX/XX/XXXX Subject : Fraud and Scam over 3 year period of time on XXXX XXXX Page 6 XX/XX/XXXX - My account was hacked into and the folder content on XXXX XXXX was removed. The Hacker is XXXX XXXX XXXX, XXXX XXXX. Their customer service is available XXXX. XXXX. They also took {$150.00} out of my XXXX XXXX account. I have contacted XXXX to see if we can recover the files from their server. Also what is enclosed is XXXX XXXX Passport and Pictures that he has sent me about Himself. These would be Exhibit 17 Respectfully Submitted, XXXX XXXX | ||||||
| 08/26/2021 | Yes |
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Web | Servicemember |
| To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : JPMCB Card with account # XXXX for an account that has already been PAID but is reporting inaccurately on all 3 credit bureaus Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the | ||||||
| 06/14/2018 | Yes |
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This is in regards to my personal account for a potential scam to obtain funds from my chase banking accounts claiming to do a QA assignment I was provided ( see attached ). I have contacted Chase in regards to my personal account. An Alert from Chase about Your ATM Deposit {$2400.00} made XXXX From : Chase XXXX To : XXXX XXXX Date : Wed, XX/XX/2018, XXXX XXXX The amount shows pending but is in my checking balance.
I received a message from someone who is known to me via XXXX with an employment opportunity. on XX/XX/XXXX as follows : A reputable market research firm is looking for part-time XXXX XXXX to help evaluate customer service in the USA. I just thought to let you know that I and two of my friends have been participating in it during our leisure time for nine weeks now and I must confess it has been awesome and rewarding since I was introduced to this extra income opportunity by one of my contacts XXXX. The program is flexible-hour setup where a company pays you to pose like a regular customer and then provide feedback to the company on things like how clean the store was or how well the employees interacted with you. You can earn as much as three thousand dollar s a month and it is fun and rewarding.
-It is secure and hundred percent legitimate unlike other part-time programs out there.
-You do not need more than 1 or 2 hours per assignment as it involves retails stores around you.
-No work experience in marketing or research is required.
You can sign up through the secured URL below if you or anyone you know is interested and they will get back to you with more details.
XXXX XXXX XXXX I am sure it will help take care of some bills just the way it does for me.
XXXX XXXX.
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| 07/12/2017 | Yes |
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Web | Older American |
| Earlier this year, I telephoned the customer service department because the overpayments I had made in XX/XX/XXXX were not credited properly to my balances. I had called on a weekend and the man I spoke with agreed that my overpayments had not been properly applied to the balances but said that I would have to call back during business hours during the week in order to see if someone would correct it. I have made numerous calls and have never gotten a clear explanation of why my balances were not credited in the manner in which I believe they should. Two weeks ago, I spoke with someone in customer service once again ( always asking for a supervisor ) and was told that I could either write in or go to a branch. I decided to go to a branch ( XX/XX/XXXX ) and was then told by the branch manager, XXXX. XXXX, Vice President, at the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX that they no longer handled these types of complaints and that they were handled by a centralized unit now. He was very nice and helped to get a supervisor on the line to assist me which still did n't get anywhere. XXXX XXXX told me that as I had mentioned the possibility of filing a complaint with the CFPB, they would have this sent to an executive branch and that I would be receiving 2 calls, one from this executive unit and another from the customer service supervisory unit. I received a call from XXXX in the Branch escalation unit on XX/XX/XXXX. I was driving at the time for XXXX/XXXX and could not speak with her. I then called back yesterday morning and she just forwarded my call to a woman by the name of XXXX who is a supervisor at the Chase Credit Card Services department. All she would continually say to my queries was that all overpayments had been credited properly. No explanation as to what amounts were credited to what balances. I have continually been met with responses that include that the balances that I see on my statement are not the " real '' balances and that I should not be considering them. However, they neglect to tell me what they really are. As you will see from the statements I have attached ( for some reason the download of the PDFs has left off some information which I will provide ), the crediting has been erratic to say the least and makes no sense what so ever when one considers the law in that all highest balances are to be paid down first for any overpayment made. The following is my most recent conversation down to the initial contact via secured message online with a Chase representative : On XX/XX/XXXX I sent the following secured message : I want to know what my balance is at the highest APR rate currently which is 19.99 %? I also want to know how to make a payment so that if I pay that amount plus the minimum amount due I will not have any balance outstanding at that high rate of 19.99 %. Thanks, XXXX XXXX On XX/XX/XXXX I sent the following secured message : As you can see even from the explanation that you gave me below, I still was not credited properly. You state that after the minimum payment is made, any overpayment will go to the largest interest rate balance - " Any payment amount received that is over your minimum payment will be applied to your account beginning with the balances carrying the highest APR, and then to balances with the lowest Annual Percentage Rate ( APR ). '' That did not happen in XX/XX/XXXX with my overpayments of {$1400.00} and {$4000.00}. Regardless of the APR on the balances, the balances should all be declining when the minimum payment is due as it is made up of 1 % of principal and the interest rate charged. So you have not explained how my balance at the highest interest rate increased from {$12000.00} to {$13000.00}. You have also not explained how my overpayments mentioned above got credited. I would please like an explanation as to how my overpayments were credited. Please review again. Thanks, XXXX XXXX Hello XXXX XXXX, Thank you for contacting Chase regarding your concerns with your Slate account ending in XXXX. As a consumer myself, I can certainly understand your position in regards to this matter ; however I found that the payments applied to your account in XX/XX/XXXX were properly applied according to our payment allocations. When we receive your minimum payment, generally it will be applied to your account beginning with the balances carrying the lowest Annual Percentage Rate ( APR ), and then to the balances with the highest APR. Any payment amount received that is over your minimum payment will be applied to your account beginning with the balances carrying the highest APR, and then to balances with the lowest Annual Percentage Rate ( APR ). Your payment will first be applied to your statement balance. If your statement balance is paid in full, the remaining amount will then be applied to any current activity. If you have two balances carrying a promotional APR at the same rate, balances that will expire soonest will be paid first. If you have two balances carrying a promotional APR at the same rate and the same duration, the promotion which was first established on the account will be paid first. Furthermore, your account has variable APR ( s ) based on the U.S. prime rate, which can change monthly. Here is what you need to know : - A variable APR can increase or decrease if the U.S. prime rate changes. - A change in the U.S. prime rate can affect your interest charge and minimum payment calculations. How we calculate your variable APR : - We add the U.S. prime rate to your account margin found in your Cardmember Agreement. - We use the U.S. prime rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before the closing date of your billing cycle. - If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. To find your APR, check your monthly billing statement or login to chase.com. Your Cardmember Agreement explains the full account terms. I understand that you may be disappointed by the outcome of this previous email response. Please know that nothing would have given us greater pleasure then to have provided you with what you were requesting. I sincerely apologize for the inconvenience this may have caused you. XXXX, if you have any other questions or concerns, you can call the number below or send us a secure message. We appreciate your business and thank you for choosing Chase. Thank you, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX I have had numerous conversations with supervisors in the credit card services department that ca n't properly explain my statements. I made two large overpayments in XX/XX/XXXX that were not credited properly to the highest interest rate balance. In addition, it seems that despite making my minimum payments due each month, the balance on the highest interest rate has actually gone up. This can not happen if no additional charges are made and I am making the payments due. I have continually gotten the response that we have reviewed the account and everything is correct. Well it is not. My balance at 19.49percent on the statement with a payment due XX/XX/XXXX was {$16000.00} with a minimum payment due of {$580.00}. The very next statement I make the minimum payment due plus an additional {$1400.00} {$1900.00} in total however my balance at 19.49percent is still showing that it is {$16000.00} which would n't be the balance with just the minimum payment due as it includes a 1percent payment of principal on each of the balances. The very next statement, I make the minimum payment due of {$550.00} which should be lower as a result of what should have been the pay down on the 19.49percent balance that was n't made plus an additional {$4000.00} or {$4600.00} total. The statement which shows this payment shows my balance at 19.49percent to be {$13000.00} which is not {$16000.00} minus the overpayment of the {$4000.00} or the {$1400.00} from the month before. The math is incorrect and instead of explaining any of the math, I have continually gotten a response that everything is correct. It is not. In addition to the above, the balance at 19.49percent on the statement which shows a minimum payment due of {$430.00} on XX/XX/XXXX, is {$12000.00}. After continually making the minimum payments due, that balance which is now being charged 19.99percent is at {$13000.00}. There is no way without additional charges being made along with making the minimum payments that this balance could go up. There are errors in both areas. The most recent representative I spoke with was XXXX in the Credit Card Services Supervisor area and it was very disappointing that she would not answer my questions and would only say that the statements had been checked and that they are correct. They are not correct according to the math.Please have someone correct these as I want to totally pay down my balance at the 19.99percent as it is exorbitant and I do n't want to overpay and pay down the balances which are at 2.99percent or 3.99percent. Please respond as soon as possible as I want to make a payment and should n't have to continually be paying 19.99percent as a result of your unwillingness to correct my account balances. Thanks, XXXX XXXX I will attach the statements for my account beginning in XX/XX/XXXX through XX/XX/XXXX which is the most recent statement. The missing information that you will not see on these statements unless you could view them online at Chase is the following : There is a Purchase balance showing at a rate of in addition to the other balances ( please keep in mind that no additional purchases have been made ) you will see and each month they are the following : XX/XX/XXXX : {$830.00} (@19.49 % ) XX/XX/XXXX : {$830.00} (@19.49 % ) XX/XX/XXXX : {$180.00} (@19.49 % ) XX/XX/XXXX : {$3.00} (@19.49 % ) XX/XX/XXXX : {$3.00} (@19.74 % ) XX/XX/XXXX : {$3.00} (@19.74 % ) XX/XX/XXXX : {$3.00} (@19.74 % XX/XX/XXXX : {$3.00} (@19.99 % ) XX/XX/XXXX : {$3.00} (@19.99 % ) XX/XX/XXXX : {$3.00} (@19.99 % ) I have yet to get an explanation as to how my balances at the highest interest rates are increasing despite the fact that I have made no additional purchases and have made my minimum payments as required. Your assistance in this matter is greatly appreciated! Thanks, XXXX XXXX | ||||||
| 01/26/2021 | Yes |
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| got a debit card in the mail from Chase bank on XX/XX/2021. We opened the mail on XX/XX/2021. We have never had a bank account with Chase Bank. XX/XX/2021 we immediately called to have the account shut down. The person who opened the account used my SSN, DOB, and current address. I called first thing Monday morning to alert Chase Bank to the fraud as instructed by the people we spoke to from the Fraud Department on Sunday. As advised, I immediately filed a police report. ( Which was all completed within less than 24 hours. ) I have also had to submit MORE identification to meet with a bank representative and fill out the Identity Theft Declaration of Claimant form than the person who opened the account in my name. I have no idea who opened this account, but am expected to tell Chase if I suspect anyone I know may have done this. As noted on the Personal Electronic Signature Card, the account was opened on XX/XX/2021. It was issued by XXXX, at XXXX XXXX XXXX # XXXX. The email provided for the account doesn't exist. Had Chase done their due diligence by sending confirmation text and/or emails, they would have known the phone number and email address associated with this account were both wrong immediately. My husband 's phone number was given as the contact number. The most egregious error by Chase is the fact that they did not comply with banking standards requiring 2 sources of valid identification. According to the Electronic Signature Card, a state issued ID card was " accepted ''. The number that was given isn't even the correct number of numerals in any form of identification. The perpatrator used our 4 digit postal code that follows our zip code as the number that authenticated their state issued ID. A second form of Identification was not provided, this violates banking policy according to FDIC 8000 - Miscellaneous Statutes and Regulations PART 1020RULE FOR BANKS Subpart FDefinitions ( ii ) Customer verification. The CIP must contain procedures for verifying the identity of the customer, using information obtained in accordance with paragraph ( a ) ( 2 ) ( i ) of this section, within a reasonable time after the account is opened. The procedures must describe when the bank will use documents, non-documentary methods, or a combination of both methods as described in this paragraph ( a ) ( 2 ) ( ii ). ( A ) Verification through documents. For a bank relying on documents, the CIP must contain procedures that set forth the documents that the bank will use. These documents may include : ( 1 ) For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport ; and ( 2 ) For a person other than an individual ( such as a corporation, partnership, or trust ), documents showing the existence of the entity, such as certified articles of incorporation, a government-issued business license, a partnership agreement, or trust instrument. ( B ) Verification through non-documentary methods. For a bank relying on non-documentary methods, the CIP must contain procedures that describe the non-documentary methods the bank will use. ( 1 ) These methods may include contacting a customer ; independently verifying the customer 's identity through the comparison of information provided by the customer with information obtained from a consumer reporting agency, public database, or other source ; checking references with other financial institutions ; and obtaining a financial statement. ( 2 ) The bank 's non-documentary procedures must address situations where an individual is unable to present an unexpired government-issued identification document that bears a photograph or similar safeguard ; the bank is not familiar with the documents presented ; the account is opened without obtaining documents ; the customer opens the account without appearing in person at the bank ; and where the bank is otherwise presented with circumstances that increase the risk that the bank will be unable to verify the true identity of a customer through documents. ( C ) Additional verification for certain customers. The CIP must address situations where, based on the bank 's risk assessment of a new account opened by a customer that is not an individual, the bank will obtain information about individuals with authority or control over such account, including signatories, in order to verify the customer 's identity. This verification method applies only when the bank can not verify the customer 's true identity using the verification methods described in paragraphs ( a ) ( 2 ) ( ii ) ( A ) and ( B ) of this section. ( iii ) Lack of verification. The CIP must include procedures for responding to circumstances in which the bank can not form a reasonable belief that it knows the true identity of a customer. These procedures should describe : ( A ) When the bank should not open an account ; ( B ) The terms under which a customer may use an account while the bank attempts to verify the customer 's identity ; ( C ) When the bank should close an account, after attempts to verify a customer 's identity have failed ; and ( D ) When the bank should file a Suspicious Activity Report in accordance with applicable law and regulation. ( 3 ) Recordkeeping. The CIP must include procedures for making and maintaining a record of all information obtained under the procedures implementing paragraph ( a ) of this section. ( i ) Required records. At a minimum, the record must include : ( A ) All identifying information about a customer obtained under paragraph ( a ) ( 2 ) ( i ) of this section ; ( B ) A description of any document that was relied on under paragraph ( a ) ( 2 ) ( ii ) ( A ) of this section noting the type of document, any identification number contained in the document, the place of issuance and, if any, the date of issuance and expiration date ; ( C ) A description of the methods and the results of any measures undertaken to verify the identity of the customer under paragraph ( a ) ( 2 ) ( ii ) ( B ) or ( C ) of this section ; and ( D ) A description of the resolution of any substantive discrepancy discovered when verifying the identifying information obtained. ( ii ) Retention of records. The bank must retain the information in paragraph ( a ) ( 3 ) ( i ) ( A ) of this section for five years after the date the account is closed or, in the case of credit card accounts, five years after the account is closed or becomes dormant. The bank must retain the information in paragraphs ( a ) ( 3 ) ( i ) ( B ), ( C ), and ( D ) of this section for five years after the record is made. Not only have I had to do a majority of the leg work to initiate an investigation on this matter, the corporate office would not release any information to me regarding this account without a police report. This was my own information. My Social Security Number, My Date of Birth, My address, and my husband 's phone number. At this point, this has consumed nearly 3 days of me contacting various agencies in order to submit a report to Chase to " prove '' fraud that was in no way inhibited by their practices which violate FDIC regulations. The Detective that took the report was so incredulous with the situation it is evident in his report. Chase bank is responsible for this situation 100 % due to their negligence and failed application procedures. I was told that at times, suspicious accounts such as this are flagged. ( Ones that do not meet the critera set forth by the FDIC XXXX and will shut them down after a 3 day review when the account is initiated. In the case of this account, that did not happen. There was no review, there was no inquiry until I brought this to their attention nearly 10 days later. Not only were there issues with the identification, no deposit was made. The account was opened without any money having been put in. A federal investigation should be completed with severe penalty enforced upon Chase bank. Upon researching complaints available here, I discovered where Chase bank froze *newly opened* accounts that had large deposits for suspected fraud ( Complaint XXXX, XXXX, and XXXX ). Evidence of the difficult nature to request information and fraudulent accounts is available on Complaint XXXX. Evidence of Chase beind derelict in their obligation to honor correct identifying information regarding accounts is available on account XXXX. I have attempted to respond to this matter with the attention required, at the corporate level it has proved to be contentious at best. Almost as if I am lying about this being fraud. The local branch was exceptional in dealing with this-I do want that to be noted. XXXX XXXX was outstanding. On XX/XX/2021 when I called the Fraud Department, I was transferred three times because no one seemed to know how to address the situation. After finally speaking with XXXX in the Customer Protection Group she stated " we have no way of knowing it was/was not you. '' -- -- Please read that again, and what department she works in. Only after I began to ask questions regarding when/where the account was opened and she stating that information wouldn't be released to me without a Police Report, she then stated that their Account Review Team had already flagged the account as suspicous and it had been restricted on XX/XX/2021. I asked her what time that happened, she stated it was at XXXX XXXX. I told her that was inaccurate information and that was the time we discovered the debit card and called to have the account closed and declared as fraudulent. In addition to the negligence and dereliction of duty on behalf of Chase bank, my husband XXXX as a highly skilled first responder to a major national event the day Chase made me become their principle fraud investigator. In addition to that, I have a rare condition ( XXXX XXXX ) that is exacerbated by stress. My symptoms regularly are excruciating. When a stressful event such as being named principle fraud investigator by Chase bank, and treating it with the seriousness required- it makes my symptoms unbearable. Chase bank should be fined, as well as paying me for my time since I became Principle Fraud Investigator on their behalf. I should also be reimbursed since this event has caused my symptoms to worsen. I am the primary care giver for my XXXX children. | ||||||
| 10/01/2019 | Yes |
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Web | Older American |
| XX/XX/2019 to ; CFPB Dear Sirs, This is the third complaint that I am forced to file against Chase Bank, after two previous complaints I filed with the CFPB failed to repair the financial damages caused to my business by Chase unfair conduct. Furthermore, the responses sent from chase bank representatives to CFPB were incorrect and did not match the facts. And also, the behavior of Chase representatives towards me on the telephone was very rude and unprofessional. In light of the Bank 's unfair practices and rude conduct, and the incorrect answers provided by the bank to CFPB, I demand your urgent investigation into this matter. These are the specifics of this case ; A ) Substantial and lasting injury caused by chase bank unfair actions The substantial and lasting injury caused to me by chase bank include : 1. Refusal to make bank wire transfers for payment of {$25000.00} each - even though they were done exactly according to bank procedures that allows up to {$25000.00} per day, and at that time the balance in my account was {$86000.00}. These wire transfers were made to the owner of an apartment in XXXX that I am purchasing. As a result, I had to take a loan of {$50000.00} to pay the the seller of the apartment. 2. On XX/XX/2019 I deposited a check for {$84000.00} from my private account in Chase, but more than a month has passed and Chase still has not honor this personal check and did not transfer my money to my private account with XXXX XXXX in XXXX. I need the money transferred ASAP, in order to pay my commitment to purchase the apartment. Enclosed is a copy of the check. Although XXXX XXXX received confirmation from CHASE on XX/XX/19 that the check was received on CHASE - and although I spoke on XX/XX/19 with CHASE representative and he confirmed to me that the check was withdrawn from my chase account on XX/XX/19 - To this day, even though it has been a month or so, the bank has not yet honored the check I deposited into my personal account. In doing so, I incurred {$84000.00} in monetary damages. 3. Closing the possibility of online access to my account and even without paper statements - I XXXX XXXX XXXX XXXX XXXX XXXX in the US and make payments and receive receipts through the bank account. Preventing the possibility of online access to my account and even not giving me paper statements - causes me substantial and lasting injury in the inability to track tenant receipts, and the inability to make payments to IRS, taxes, HOA etc. This Chase practice prevents me from being able to make payments as per my obligation, being exposed to claims and paying fines. At this time, and because of the inability to log into the bank account, I can not fully appreciate the damages I would suffer as a result of the unfair practice of chase bank. 4. The bank also instructed all its customer service representatives not to answer my questions. In doing so, the bank has, in fact, blocked all my options for logging into the bank account and receiving information about the account, and at this stage, I can no longer assess the full damages I have suffered due to Chase unfair practices. 5. Denial of ability to activate my debit card - The bank 's representatives refused to activate my debit card. This has caused me financial damage, because I am not able to make payments using this payment method. 6. Significant time and money expenses I had so far in International telephone calls with Chase representatives, and if I will be forced to travel to US in order to be identified by the Bank, it will cost me thousands of dollars in damages. B ) The bank 's allegations of non-identification are incorrect. 1. During the many telephone conversations I had with chase representatives, I was repeatedly asked to provide answers to questions such as : my account number, my mailing and residential addresses, date of birth, debit card number etc and I provided correct answers to all these questions again and again in many phone calls. However, due to the instructions given on the computer to service representatives in Chase all the representatives told me they should not identify me by phone and I have to come in person to US to be identified. They also claimed that I have to provide my Social Security number, even though they know full well that I am not a US citizen and opened my account without a SS number. 2. After sending a complaint by mail to Chase on XX/XX/2019, a Chase representative, on his own initiative, called me on XX/XX/XXXX on my mobile phone and we talked for 13 minutes. He identified me with a number of questions. I answered all his questions about my name, date of birth, my US mail address, my home address in XXXX, account number, debit card number and many specific details about my complaint, and after he personally identifying me, he said Chase will send me a reply letter within 15 days. So it is not true that my identification process failed!!! In light of this, I ask you to investigate and ascertain the identification by this Chase representative prior to their reply letter of XX/XX/19 and confirm that they indeed identified me. 3. Although I have already undergone an identification process by a chase representative, chase bank replied to me on XX/XX/19 and wrote among other things that : " because you failed the verification, your online profile was restricted. Please contact us directly at XXXX so we can verify you. We have notated your account so we can make another attempt to verify you. Please note that if you fail the verification, your only option would be to step inside any of our branches so you could be verified ''. I wrote the Bank that I called the number as asked, and attempted to verify myself. I was told by the representatives, first by XXXX, and then by his supervisor XXXX, that they can not verify by phone, because I do not have a social security number. Im sure you can understand that this is both very vexing and surprising. It was known that I am not in the U.S., nor do a have a Social Security number, yet their suggestion to solve my problem was to call to be verified. '' In response to my letter the bank wrote me that : " When you called us on XX/XX/XXXX, you failed verification and we were not able to reactivate your online access. While we understand you reside in XXXX, we are unable to make an exception to our verification process. For us to remove the online restriction, you must visit a branch '' 5. In response to the many phone calls I made to Chase representatives, I was told that they were recording these calls. Chase has voice recognition, so obviously they recognized me on each of the many times I called them! My voice is unique, since my first language is XXXX and I have an accent when I speak English. 6. All of the chase bank replies are sent to me by post, both to my US postal address in XXXX XXXX ( my sister is a US citizen 's and this is her address ) and to my home address in XXXX, XXXX. Also, the bank regularly sends me emails to my private email. How can the bank claim that it does not recognize me, when the bank communicates directly with me on my personal mobile phone and identifies me with identification questions by its representative, and the bank communicates directly with me in my personal e-mail, on a regular basis, and sends letters to my residential address in XXXX and my US mailing address??? Therefore, it is perfectly clear, beyond a reasonable doubt, that the misidentification allegation is wrong, and constitutes an unfair conduct by chase bank. C ) The injury is not reasonably avoidable by me ; 1. Throughout, chase representatives suggested to me to come to the US branch in America, even though I have explained many times that I can not do so because I do not live in the US. This is how chase wrote in his letter : " While we understand you reside in XXXX, we are unable to make an exception to our verification process. For us to remove the online restriction, you must visit a branch ... '' As I explained, a Chase offers to come to the United States is unreasonable and at this stage is impossible for me. 2. Furthermore, why not allow a notarized identification by a consul at the US Embassy in XXXX? This is customary even by the IRS. 3. The bank also refused to send me written statements, meaning that virtually all access to my account was blocked. 4. Also, Chase has voice recognition. Voice recognition is a definite identification and even better than personal verification, so even if they do not have such identification, the CFPB must require them to adopt such identification. 5. Finally, to avoid some of the damages that I incurred in not performing transfers from my account by chase, I deposited a check in my private account with XXXX XXXX. This check has not been honored to date by chase!!! I certainly should be allowed to transfer cash from my private account in Chase to my private account at XXXX XXXX? but Chase did not honor this deposit, contrary to his banking obligation. D ) The injury is not outweighed by benefits. Chase claims in his letter from XXXX : " On XX/XX/XXXX and XX/XX/XXXX, you initiated two online wire transfers for {$25000.00} each. We suspended the transfers because we needed to verify additional information. Protecting our customers financial privacy, as well as their accounts, from unauthorized activity is our top priority '' I appreciate Chase 's concern to protect their customers from unauthorized actions, but because I have confirmed dozens of times verbally, and in 3 written letters that I was the one who performed these 2 wire transfers, which did not exceed the limit of transfers allowed by the bank, obviously this is not a fraud and there is nothing to protect! In light of this, there is no reason to continue to prevent me from accessing my account online. Surely preventing me from logging into my account does not protect me and only does me harm as I have described in this letter. In conclusion, I demand that CFPB should investigate the unfair conduct towards me by Chase Bank, and help me regain access to my online and written accounts, as well as to honor the checks I wrote in order to transfer cash from my account to my private account in XXXX XXXX in XXXX. Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX | ||||||
| 03/15/2020 | Yes |
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| On XX/XX/XXXX I purchased a flight to XXXX for me and my wife through Chase Ultimate Rewards online ( Itinerary # XXXX ). I noticed I selected the wrong flight on accident and immediately called into Chase to cancel. Chase canceled the flight, refunded my money and returned the points I used for the flight to my point bank. I then booked my trip again using the correct flights ( Itinerary # XXXX ) The flight was with XXXX XXXX departing on XX/XX/XXXX The flight cost {$1900.00} per traveler for a total of {$3900.00} I redeemed XXXX of my travel points for {$1500.00} towards the flight reducing the total amount charged on my credit card to {$2400.00} On Monday, XX/XX/XXXX my wife and I decided to cancel our flight to XXXX due to her recovery from a XXXX XXXX and our doctors guidance that international travel wouldnt be best given she is also XXXX. The customer service representative with Chase told me I would receive a credit for the total value of the flight from XXXX XXXX to be used on future flights before XX/XX/XXXX on XXXX. The rep also told me that if I mailed the doctors note to XXXX XXXX ( at the address she provided XXXX the reissue fee would be waived on an initial flight booked and would be waived on any future flights booked with the remaining balance of my credit. The rep also told me that I would receive an email confirming the credit balance. I had not received an email from Chase so I called into Chase again at XXXX on XX/XX/XXXX. The rep told me she would need to connect with XXXX to generate the refund but was unable to connect with them because they were so busy. She told me to call later that night because it would be slower and Id likely get through. I called that night of XX/XX/XXXX. The rep told me I would receive the credit information by email and would also in 48 hours receive an email about a refund. She also told me that I could use the credit on multiple trips if I didnt use the whole balance on one trip. Additionally, she told me not to make any decisions about whether to use the credit until I received the email about the refund. The next day, XX/XX/XXXX, I received an email from Chase confirming the amount of the credit. The email stated I would receive a credit of {$1900.00} per person with a {$300.00} reissue fee. I did not receive an email about the refund by XXXX XXXX on XX/XX/XXXX. Knowing I wanted to reschedule a domestic trip that wouldnt be taxing on my wife as soon as we could, I called into Chase to see the status of the refund email. The rep tried to pull up the notes about my issue but told me her system was rebooting. I waited on the call for 23 minutes until she finally told me to try again later that night. I called again at XXXX and there were still issues with their system. Fire alarms were also going off. The next morning of Thursday, XX/XX/XXXX, I called Chase at XXXX XXXX to ask about the refund email. The rep I spoke with did not seem very competent and seemed confused about the notes. She stated that the original rep I spoke with had gotten my actual Itinerary # XXXX confused with the canceled # Itinerary # XXXX. I would not receive a refund for Itinerary # XXXX. I accepted this explanation as it seemed logical. Knowing our ability to travel internationally ( and use the entirety of the {$1900.00} per person credit ) was not possible before XX/XX/XXXX and knowing we would likely reschedule a flight to XXXX XXXX that night, I wanted to confirm with the rep that I could use the credit for multiple trips like how the prior reps had told me. The rep told me I would forfeit the remaining balance of the credit if I did not use it all at once. On hearing this I asked to speak with her supervisors. The supervisor I spoke with listened to my issue and confirmed for me that I would be able to use the credit on an additional flight if there was a remaining balance after booking an initial flight with the credit. She also told me she would send me an email with instructions on how to attach and email the doctors note to have the reissue fee waived. In total, my call with Chase on the morning of XX/XX/XXXX took 1 hour and 26 minutes. Knowing this information, my wife and I decided to book a short trip to XXXX XXXX. I first called Chase during my lunch break at XXXX on Thursday XX/XX/XXXX. They told me to call later because the wait to get to a rep who could apply my credit would be very long. On the night of Thursday XX/XX/XXXX I called back to book my flight at XXXX XXXX. I was on hold for over two hours before getting connected to a rep who could help me book my flight. While on hold, I searched XXXX flights via the Chase Travel Rewards flight booking website. Nearly all the XXXX flights for economy fares on the dates we were looking to fly ( including the one I eventually booked ) were displaying prices between {$500.00} and {$680.00}. Eventually I was connected with a rep after a very long hold and was able to book an economy flight on XXXX to XXXX XXXX departing XXXX on XX/XX/XXXX and returning on XX/XX/XXXX. At multiple times during this I confirmed with the rep that I would be able to use the remaining balance of my credit after booking this flight to XXXX XXXX. Each time the rep confirmed this information. However, not once did the rep tell me the total value of the flight I was booking ( only the remaining value of my credit on my asking ). Finally when the flight was booked, I asked the rep to confirm for me what the remaining balance of my credit was. He told me the residual amount was {$1300.00} per person. I also asked him to send me an email with this amount and he said one would arrive in 24-48 hours. The rep also told me there would be {$400.00} reissue fee on the flight that would be charged to my credit card. Having booked the flight we hung up and I received a non-standard looking itinerary emails for both me and my wife. The cost of the flight was not listed. Shortly after hanging up, the rep called me back to confirm some information about my wife. I gave him this information and also requested an itemized statement for my flight to XXXX XXXX to confirm the value and again asked for an email with the credit information. He told me again I would receive this information within 24-48 hours. The next morning I checked the charges on my Chase card. The {$400.00} reissue fee was listed from Chase but there were also two {$200.00} charges from XXXX as well. Seeing this extra {$400.00} worth of charges from XXXX I called Chase on the morning of Friday XX/XX/XXXX. The rep I spoke to told me I needed to call XXXX. On calling the XXXX, the XXXX rep could not explain the charge either and told me to call Chase back. He also told me the only charge I should receive would be {$6.00} or some nominal amount. This made no sense to me as no one at Chase mentioned this. I called Chase again on XX/XX/XXXX. At this point I was irate. Not only were there phantom charges on my credit card, but after speaking with the XXXX rep, I was worried somehow my flight to XXXX XXXX was booked at an extremely high price that was not told to me by the rep nor displayed anywhere on the Chase Rewards website when I was searching flights and used up the entirety of my credit ( hence why I owed delta {$6.00} ). When I was connected to the rep I explained all these issues, stated I wanted an email confirming the balance of my credit and also an itemized statement for my flight. The rep began asking me a bunch of questions. Having no patience at this point I immediately asked to speak to a supervisor. The woman explained to me she was a supervisor and that she was the same supervisor I spoke with the morning of XX/XX/XXXX. She confirmed that I would still receive the residual amount of my credit and that the residual amount was {$1300.00} per person. She said I should expect an email with this information within 24-48 hours. I asked why it takes so long and she said the people who send the emails are a different department so it takes longer. Satisfied that this information was all in my call notes and that I would receive an email confirming this, I got off the phone. On XX/XX/XXXX I finally received the credit information email from Chase. The email incorrectly stated ( contrary to what numerous Chase travel representatives had stated on my calls ) the remaining balance on the credit was {$680.00} per person. Irate, I responded back with the following message via email : This is INCORRECT. I was told our original credit was XXXX per person ( I have emails documenting this ) and we just used approximately XXXX per person on a trip to XXXX XXXX. The remainder is supposed to be around XXXX. At this point, given the terrible service I've received from Chase the past week I plan on reporting Chase to the FTC for unfair and deceptive trade practices. The number of false statements I've been told the past week is horrific. Please remember your calls are all recorded so there is plenty of evidence. Having no response to my angry email I called Chase on XX/XX/XXXX to confirm the remaining balance on my credit. I was bounced around multiple times because the original person I spoke to did not understand my original request. Eventually I spoke to a supervisor named XXXX. I explained the situation to her and she put me on hold for a long time while she reviewed the notes from the case. Eventually she asked me to go through what happened step by step so she could escalate this to higher ups, repeatedly noting that she would not be able to offer a resolution because she did not feel comfortable weighing in given how muddled this all was. This made me suspicious knowing that I sent the email above threatening a claim. I almost felt like they would use the information on my call with XXXX against me in any claim. Nonetheless, hoping to have this resolved between the parties, I walked through what had all transpired as XXXX took notes. She also brought up my angry email on the call. Eventually XXXX escalated to higher ups and assured me they would contact me the morning of XX/XX/XXXX. She told me my case number was XXXX and that my issue would be resolved the next morning. As of XX/XX/XXXX I have not received a call from Chase and my issue relating to the travel credits has not been resolved. | ||||||
| 09/11/2020 | Yes |
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| I was apparently a victim of Chase 's shutdown pattern in XXXX, never having a late payment, and having consistent credit scores of XXXX. They cancelled All three of my Chase cards on approximately XXXX XXXX, XXXX ... The strange thing was that I never did get any answers as to why they closed my accounts. Fast forward to XX/XX/XXXX, and I have to cancel a reservation for a campsite I made on XXXX in back on XX/XX/XXXX due to COVID. There were three separate refunds processed, each for {$50.00} a piece. Totaling {$150.00}. Because I booked the reservation with my Chase Sapphire card that ended in XXXX, ( that was closed on XXXX XXXX, XXXX ), XXXX apparently processed the refund back to that card. I had had a few other refunds processed due to the pandemic, and it was easy enough for me to call to request my refund via a check. But since I had not made any charges, or had any recent refunds on that account, I had not logged into my online account for awhile. So a few days after the refund is apparently processed, I log into my account, and that particular card ending in XXXX isnt showing up. My other two closed cards are still showing up, with their zero balances, but no sign of the card that should have a refund for {$150.00} posted. I still have the physical card, as I keep all of them once closed for at least a year in case any problems arise. So, I call and when I enter my card number into their automated system, there seems to be zero record of this card ever existing. Keep in mind, the card had not even been closed for 6 months. So how does it disappear? I'm pretty sure there is something illegal about them doing this with my information. Isnt there some record retention law that states they must keep information about that card on file for at least a year? So finally they tell me they are unable to give me any specific information about this card ( why? ), and when I finally get through to someone, I am told I will need to fax them so they can launch an investigation. Fax? So I do that. I send pictures of the card, etc. I finally receive a letter in the mail explaining that they PURGED my account ( that has not even been closed for 6 months, mind you ), and so the refund never posted to my account. They claim they returned the money back to XXXX 's bank on XX/XX/XXXX, and gave me three reference numbers. I have attached that letter. When I get back to XXXX, they tell me they are only able to trace one of the {$50.00} refunds, but that is it. They said they can send me the {$50.00} but that I will need to contact Chase again about the rest of the money. I have attempted to escalate the issue with XXXX to no avail. Something about all of this seems extremely fishy. I just want my {$150.00} credit that I am due! When I ask XXXX for some tracking numbers or more information so that I can take the issue back up with Chase, I get no answers. They aren't willing to send me any proof, or which tracking numbers Chase sent that they are unable to trace. They are only willing to send me the {$50.00} and that is it. I have not heard back from Chase regarding this issue. It is difficult for me to call them since they have zero record of this account ever existing, and it takes forever to get past the touch tone prompting system. A little background ... I had been a Chase customer for years, and had 3 commercial credit cards to my name, all from Chase bank. I have always had exceptional credit, always paid my bill on time, always paid my annual fee. All was well for years until I moved to XXXX from my home state of XXXX after a divorce and changed my name back to my maiden name in XXXX of XXXX. I was able to change my address successfully with Chase as soon as I made the move. The following month, XX/XX/XXXX, I was finally able to legally change my name back to my maiden name. I called the customer service number on the back of my card to get the details on the information they required for this name change : a copy of the divorce decree, my social security number, a copy of my drivers license, and possibly a 4th piece of identification, but I dont remember exactly. I remember sending more than the required information to all 3 cards. They were big envelopes due to the requirements of the divorce decree. I had to send a letter to each card, so three sets of information. It took about 10 days and new credit cards were issued in my new name. Then, around XX/XX/XXXX, which is 6 months after my name change, I got the dreaded letter outlined in an article from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX seemed like a phishing scam to me ... the letter seemed to be photocopied onto the paper, was addressed to my married name, and said it was in regards to my account ending in XXXX. Thats right, there was not the last 4 digits like normal when a credit card sends you correspondence. Just a single number. Also, of note, was the fact that the information in the letter where they would drop in identifying information about each particular customer like in a template, was blank. Like someone sent it out in a hurry and didnt bother to double check it before mailing. It requested my tax info, another copy of my social security number, and a w4. Fishy!! I was suspicious. So, rather than calling the number listed on the letter ( really thinking it was likely a phishing scam ), I called the customer service number on the back of my card to inquire. I told them of the letter, read what it said, and explained why I thought it might be a phishing scam. I wanted to know if I should do anything about it. The guy on the other end was dumbfounded, said my account was in excellent standing ( I have always had a credit score of XXXX ) and wasnt sure why I would get that letter, and that I should disregard it. So, I did. Big Mistake. I never heard anything more until about the XXXX or XXXX of XXXX when I went to make a purchase and my card was declined. I attempted to use my other 2 cards to find out they didnt work either. I called and was informed my account was closed. This is where it gets really frustrating. No one would give me any information. I spent somewhere around 10 hours on the phone, getting passed around from department to department, no one hearing of this or knowing what to do, who I could talk to. And I experienced extremely RUDE individuals, not believing I had ever called customer service about the letter ( apparently there was no record of my phone call ), I mean, just mind-boggling. I was able to get someone to resend me the letter with the requested forms, sent them out, With additional proof of my name change including my passport, and never heard a peep from anyone. Of course, then the pandemic hit. I finally just gave up because I decided it wasnt worth all the time and energy I was putting into all of this, and ultimately decided I will never be a customer of Chase ever again. I do believe they are possibly involved in fraudulent activity. Of course my credit score took a huge hit and I am now residing in the XXXX while I rebuild my credit from ALL of my cards being cancelled. I did seem to possibly figure out that it had something to do with my name or address change, but it blows my mind because I know there are people changing their names all the time. The one thing that stood out, was that my name on my ONLINE account was never changed to my maiden name. The only time I noticed it was when I went to make a payment on the app ( which is what I used the majority of the time to manage my account ), it would show my maiden name. I never thought too much about it, but I had sent a couple emails about it and made a couple calls about it, but no one seemed to know what I was talking about or how to change it and I just chalked it up to an IT department glitch with the app. Whats even more maddening, is that I called each credit card, and requested which specific details of my information they needed to process my name change, and not a single one of them ever suggested that I actually had to send the information to an additional department. What I think I figured out is that the credit department and the lending department do not communicate or share information. So it seems that even though I was able to successfully change my name with the credit department and obtain new cards with my maiden name on them, I was somehow supposed to know that I also had to contact the lending department to inform them of my name change also. Again, somehow thats something Im supposed to know, that the credit department and the lending department do not communicate or share information? Seems like a shady, XXXX business to me. Why should a customer pay the price of a blow to the credit when I did everything ( to my knowledge ) correctly? And from reading your article, I dont think I fell into any of those categories of suspicious activity, but I did use my cards for every purchase, and paid them off every single month. I never kept a balance. So is that the new red flag for them? Whats even crazier, is that I have kept my cards due to all this craziness going on. I was getting a lot of refunds from trips and concert tickets from cancelled shows from purchases make at the end of the year and beginning of XXXX due to Covid. So several times, I had to call and request that they send me a check for my refund. It has never been a problem until ... And back to my issue of me never receiving my {$150.00} refund I am due. I will include attachments of the chase letter, of correspondence from Recreation.gov, and copies of my receipts from Recreation.gov. I just really need and want my {$150.00} credit. My dog has XXXX and is going through XXXX treatments and I could really use this money to help pay for this. It is wrong that I am again having to spend so much time on the phone with both companies, and no one is giving me the information I need to investigate further. It would be nice to know WHY they closed all three of my accounts, then PURGED the credit card account I used the most, and now is refusing to give me the refund I am due. But most important, I just want my {$150.00} refund ( three separate credits of {$50.00} each ). I will never ever be a Chase customer again. And likely, will never book with XXXX again. | ||||||
| 07/18/2019 | Yes |
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| On my last vacation, in XX/XX/XXXX, I experienced some bank fraud beginning shortly after XXXX XXXX on XX/XX/XXXX and lasting up till moment of debit card cancellation on same date through Chase customer service department in lost or stolen card reporting transfered me to Claims Department to give details regarding timeline when card was last in my posession. I was very clear with reporting it was last in my hand when paying for {$1.00} water at XXXX Gas Station between XXXX and XXXX XXXX on XX/XX/XXXX and that nothing else was spent by me on this card. During this crime spree approximately {$2900.00} was taken out of my Chase bank account by way of debit card and utilizing my PIN, where only two-thirds were returned through the fraud department at Chase. I am very thankful they were able to identify the usage of the card through erratic service attainment ( breakfast, car wash, lunch, 2 purchases of exact same high dollar amount at XXXX & again at XXXX ) through their multicity Louisianna-run as some kind of " hallmark of fraud '' and after much communication with Chases service center & customer complaint department I was able to have the fraud department reconsider their finding that this was fraud activity by my 2nd request at a resubmission after they previously denied my claim. Unfortunately, the portion of claim Chase refuses to accept as fraud were 3 withdrawals, in rapid succession, directly from a Chase ATM equalling to the amount of {$1000.00}. that began AFTER Chases identification of legitimate fraud activity ( and funds returned to my account through assistance of fraud department ) and before the END of fraud activity Chase identifies as legitimate on that date of fraud. In other words, the amount identified by fraud department as fraud for which funds were returned to my account spanned the time prior to the three fraudulent withdrawals till after the three withdrawals yet they are still refusing to acknowledge the three withdrawals as fraud. I believe the withdrawals were rejected as " fraud '' by Chase because it was submitted as a separate fraud claim a few days after the event when I returned home and looked at my bank statement online. Yet the ATM withdrawals occurred AFTER the first 2 debit card fraud amounts - and those first two debit card fraud amounts we're identified by myself when speaking the first time to the fraud department on the very date they occured allowing enough time for fraud department to address the purchases and withdrawals originally as all a single claim of fraud being reported on day of occurance. I had let them know several times that my card was out of my own control at the moment the first two fraudulent charges occurred at a XXXX Gas Station. And I reiterated this several times so as to be clear. ( But Fraud Department is still refusing to see the chronology of events that include thes ATM withdrawals as being " during thhe legitimed time of Fraud activty '' as deemed by their department. Anything that occurred from the moment going forward from the XXXX gas station had not been within my control. That would include the ATM withdrawals, but I do not remember the customer service fellow ( that I spoke to regarding fraudulent amounts coming out of my account 8 hours earlier ) mentioning to me anything about ATM debits coming out of my account on occurance date ( XX/XX/XXXX ) at XXXX XXXX Chase offers no communication as to how they demonstrate that I have authorized these charges in the midst of a crime spree nor are they offering statement of how I specifically acted so negligent as to have played easily into the hand of a criminal. The details following as reported to claims were such that any average citizen would have assumed the debit card handed back to them was their own in this case. The chronology of events are as such : I entered a XXXX ride from a venue called XXXX XXXX XXXX and was driven to the XXXX gas station at approximately XXXX in the morning. I went inside very quickly and chose a water very quickly and brought it to the service attendant very quickly because of the desire to leave the service station very quickly as it was a crime ridden part of the XXXX XXXX that the XXXX driver decided to stop at to reset her GPS to navigate me to my hotel. I bought the water using my ATM debit card but the service attendant requested I place it in a very large, retro looking card reader with a extremely large pin pad that was very easy for him to read my numbers on since the large buttons were spread apart. When I determined that this retro-looking card reader was not reading my card he asked to hold my card while he swipes it on his register. Unbenounced to me at the time, that was the last time I saw that card since another Chase debit card was handed back to me that I found out the next morning did not have my name on it. From that XXXX occurrence there were two amounts that were not the {$1.00} bottle of water that I intended to be charged for. Two XXXX charges were made that early Friday morning rather than the expected charge of the {$1.00} water that was brought to the counter. It was an unauthorized charge after i had left the gas station of {$39.00} and of {$34.00}. Not knowing yet that I had the wrong card in my wallet returned to me from the service attendant I had arrived to my room and went to bed. By approximately XXXX XXXX that morning I went online and looked at my account and saw many charges going through my account that I hadn't authorized. They were all out of chronological order however and it wasn't plain at that time for me to see where the ATM withdrawals were included. I almost believe that the ATM withdrawals werent evident to myself or the claims person due to not showing having posted yet. Or if they HAD posted and i was asked by the claims person about these withdrawals I may have assumed they were withdrawals from the Friday prior that were just posting on Monday morning ( since I stopped a few times during that vacation to take out cash in attempt to budget myself early on in the trip ). So I'm not sure if I communicated 2 the customer service in claims department that I had made those withdrawals thinking it was several days prior before everything would start batching on a Monday or weather we didn't address it seeing as how all the items of fraudulent charges were coming out of chronological order and it didn't at first appear on the chase website as occurring during that seemed early morning crime spree. It was at that time, approx. XXXX XXXX on XX/XX/XXXX ( Monday morning ) that I had told the claims department that everything since approximately XXXX XXXX on XX/XX/XXXX when I was at the XXXX station all charges to that debit card were not authorized by me. That would include also the ATM withdrawals. I was able to tell him that the very last time that debit card had been in my control was moments earlier at a venue called XXXX XXXX XXXX and it was at their ATM machine. After that period of time it was obvious that the card was no longer in my control since the charge at XXXX was not registered for the water that I bought. It was instead divided by two different charges at much greater total then the cost of water. From that explanation to claims department only the items used to make purchases were researched and I was aware that the customer service and I hadn't dwelled further on ATM withdrawals that unwittingly occurred within the period of fraud spree. Once I returned home I then looked at my online account again to see, if for some reason, any other amounts were coming out of my account despite the customer service cancelling my card and I found a restructuring in chronological order that included these ATM amounts being withdrawn from my account amidst the other unauthorized debits. It was now visible that this large amount had come out of my account during that same crime spree. I then called claims department to include the claim of these withdrawals as well. It was a couple weeks later that I hear back from the fraud department that they declined seeing any of my claims as being fraud. I then resubmitted and there was a judgement in my favor that the purchases using my debit card were of fraud. The claims personnel told me at the time that because I submitted the withdrawal out of my ATM as a second claim approximately 3 days later that they see it not as fraud. That it could have been a setup prior to fraud that I was involved in. I have much to say about this, how uniquely coincidental that I would attempt to fraud the bank DURING the time someone else has stolen my card and created fraud on that card as wel, yet how would i be able to make an ATM withdrawal of {$1000.00} without card in hand anymore.. I also am completely disheartened as to how Chase would only see this as my problem and not a threat to all customers when they are truly ignoring the facts in this case which is the timeline of fraud activity which included ATM withdrawals after the first activity of fraud I had told them about for which they agreed ultimately was fraud beginning at the XXXX Station. I'm aware that it is my responsibility to be in view of a debit card being returned back to me as being only my debit card and I have certainly learned to never be complacent having a card returned back to me. But, I am also aware of chases fraud prevention policy and that it includes 100 % return of money to the customer if called in in a timely manner and that of {$500.00} charge to the customer if called greater than 2 days later as to fraud activity. This hadn't been the case so I would ask them for evidence of credibility in their fraud department with regard to approaching the average customer with a disparity of how they implement policy compared to the written word of their policy, as well as the decision to overlook the chronology of fraudulent items which arent including this {$1000.00} withdrawal that began at XXXX XXXX on XX/XX/XXXX after the fraud items that Chase has already agreed to that began at XXXX at approx. XXXX XXXX prior. Thank you on behalf of all Chase customers and for allowing Chase to move into the future with an improvement in policy integrity. Sincerely, XXXX | ||||||
| 08/06/2023 | Yes |
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| XXXX : At work, I used my Chase Freedom Credit card ( XXXX ) to buy lunch at XXXX XXXX on XXXX campus. *When leaving work that evening, I noticed wallet was missing and reported the following cards lost and they were deactivated : Chase Debit card ( XXXX ), Chase Freedom card ( XXXX ), Chase Slate card ( XXXX ), and Chase ATM card ( XXXX ) even though that one wasnt in the wallet, I hadnt seen the card in a while. I also requested and paid for a new Drivers License ( See XXXX ) XXXX : Security desk at XXXX XXXX called my cell at XXXX XXXX time XXXX Someone turned in my wallet. I picked it up and the contents were as follows : XXXX $ cash, the Chase Debit card ( XXXX ), Chase Freedom card, ( XXXX ), Chase Slate card ( XXXX ) -all deactivated, and my drivers license/Illinois ID ( XXXX XXXX ) XX/XX/XXXX : I made an in person withdrawal from Chase Branch on XXXX XXXX XXXX XXXX checking account XXXX XXXX ) via a hand written withdrawal slip and my drivers license ID ( See XXXX ) XX/XX/XXXX : I had received only XXXX replacement card of the 4 above replacement cards via XXXX, my Chase Slate ( XXXX XXXX. I activated it and started using it as it was my only way to pay for anything. XXXX delivery receipt shows 3 of the 4 cards were delivered separately from 1 of the 4, presumably the single Slate Card that I received. ( See XXXX ) XX/XX/XXXX : I am not sure how this happened, but while not being able to use my lost/deactivated Chase Freedom card ( XXXX ), and while waiting for the replacement card, somehow a charge to a towing company known as XXXX XXXX XXXX totally {$310.00} was showing in my credit card account. Since I didnt have the card and wasnt using it, I did not notice this charge until XX/XX/XXXX. I was working that XX/XX/XXXX and XX/XX/XXXX XXXX, with my car in the work parking deck. It has since been refunded ( See XXXX ) XX/XX/XXXX : Before I left for XXXX that XXXX, I checked the mail on the way out. My replacement drivers license was there but I still had yet to receive the other 3 replacement cards. I only had my chase Slate card ( XXXX ) at this point ( See XXXX, XXXX ) XXXX arrived in XXXX. I took a XXXX from the airport to XXXX XXXX XXXX XXXX and stayed in XXXX, NV ( See XXXX ) XX/XX/XXXX : We arrived at XXXX XXXX via my boyfriend, XXXX XXXX XXXX XXXX and checked into the XXXX XXXX XXXX XXXX Reservation was in his name, but I am added as an official additional guest and given card access ( See XXXX ) *Multiple retail purchases made in person as well bar tabs and tickets for a XXXX XXXX for the evening of XX/XX/XXXX ( See XXXX ) XX/XX/XXXX : The Fraud Date While at the XXXX XXXX Pool we rented a covered daybed using my Slate Card ( XXXX ) and spent all afternoon drinking and snacking at the pool. Photos were taken and location tagged around this time. ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, my mom in XXXX gets XXXX voicemail from XXXX calling about a lawsuit involving my deceased Father ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, An email was sent youve successfully verified receipt of the Chase Freedom card ending in XXXX. I was at the pool in XXXX at the time, obviously not able to receive mail at my XXXX address ( See XXXX ) At XXXX XXXX Time : Unknown to me at the time, a person successfully withdrew {$9500.00} in person at XXXX XXXX with XXXX XXXX at a chase at XXXX and XXXX in XXXX. They then transferred {$22000.00} from my saving account to my checking account via what I was told was an in app transaction. However, this was possibly with the Debit Card ending in XXXX in hand. ( See XXXX ) XXXX XXXX time : I received a blocked call. I normally do not answer these, but I was worried it was related to the hotel. A woman on the phone said to me, Im calling about a lawsuit in North Carolina involving XXXX XXXX, do you know this person? I told her my dad was XXXX, and stop calling me. ( I am still unsure if this call is related to the fraud ) ( See XXXX ) XXXX XXXX Time : I started to receive calls from unrecognized phone numbers. These began coming in with a XXXX area code, which is North Carolina. They transitioned from else ware, including out of the country. At this time, out of frustration, I blocked calls from unsaved numbers and had them go straight to voicemail ( See XXXX ) Also around this time, I login to my chase I see fraudulent Savings Account Withdrawal via the Debit Card ( XXXX ), and the transfer of {$22000.00} from my Savings Account into my Checking Account. This person had to have intercepted the mail delivery of replacement cards, had the Debit Card ( XXXX ) was able to crack my pin code for the debit card. ( See XXXX, XXXX, XXXX ) *I also see that while I was on the app with my XXXX which has outdated software ( XXXX XXXX ) there was an additional unknown XXXX with updated software my account at the exact same moment and intermittently throughout that evening. * ( XXXX XXXX ) XXXX XXXX XXXX : I began receiving innumerable texts from various numbers with verification codes and activation codes for XXXX of services. I constantly deleted these texts and reported them as junk. ( See XXXX ) XXXX XXXX Time : Unknown to me at the time, I received an email Action needed : Please confirm activity of a purchase at the XXXX for {$3000.00} using Debit Card ( XXXX ). The email mentioned it was a declined transaction ( There are actually now two XXXX purchases, still, each for the same amount using the Debit Card ending in XXXX ). I had not checked my email until I was heading back to our room at XXXX XXXX XXXX ( See XXXX ) XXXX XXXX XXXX where the two charges using the Debit Card XXXX occurred is presumed to be the one just north of the Chase at XXXX and XXXX XXXX See XXXX ) XXXX XXXX Time : I asked the pool waitress to close out our account of drinks/snacks ordered from her which I put on my Slate Card ( XXXX ). A photo was taken and location tagged around this time ( See XXXX ) On the way back to the room, I check my email to see the XXXX fraud alert. I also see that despite the email alert for fraud flagging the charge, two charges from XXXX are deducted from my Checking Account. ( See XXXX ) XXXX XXXX Time : I began the call to the Chase Fraud Department XXXX While on the phone with the fraud agent, he reported that this person attempted to make a purchase at XXXX XXXX which was blocked, I believe with the XXXX XXXX XXXX ( XXXX ). I was told I had to call the following business day to file a claim on the in person saving withdrawal and money transfer. *For the XXXX XXXX on the Debit Card ( XXXX ) : Claim number : XXXX ( XX/XX/XXXX ) ( See XXXX ) *For the Chase Freedom Card , a claim was filed but I was not given a claim number ( See XXXX ) XX/XX/XXXX XXXX XXXX Time XXXX I filed a claim on the in person withdrawal of {$9500.00}. Come to find out, additional claims surrounding my Savings Account were in fact created during the XX/XX/XXXX XXXX Phone call. I re-opened the saving account withdrawal claim again after XXXX denied the fraudulent claim. *For the in Person Savings Account withdraw/Money Transfer : Claim Number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim Number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim number : XXXX ( XX/XX/XXXX ) ( See XXXX ) Claim number : XXXX ( XXXX ) ( No letter available ) XXXX XXXX Time : XXXX filed a complaint with the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I also put a freeze on my credit report for 1 year. XX/XX/XXXX I received the required paperwork discussed during the XX/XX/XXXX XXXX XXXX XXXX fraud paperwork, filled it out, and faxed to the fraud department as requested. ( See XXXX ) XXXX XXXX XXXX Time : I filed a police report in person at XXXX XXXX XXXX XXXX on the identity theft ( See XXXX ) XXXX I met with Fraud Specialist XXXX at the XXXX branch, who listened to my situation and helped to create my new Checking Account and new Savings Account. See also re-faxed the Affidavit along with the Police Report. I downloaded XXXX to my XXXX to assist with monitoring my identity for fraud. ( XXXX ) XXXX I call fraud department while at work to inquire on the delay of the XXXX transaction resolution, at this time I was told the Fraud Department believes I made the XXXX and Savings withdrawal transactions as the Hacker was able to enter the pin number on the first attempt. I was told by the Fraud Department Supervisor XXXX that he would re-open the XXXX case so that I could provide him with evidence showing I was in XXXX at the time of the fraud activity. When I asked what evidence they needed, he simply stated whatever evidence you feel is enough. XXXX I met with Fraud XXXX XXXX at the XXXX and cicero address. I Spoke with XXXX XXXX Department who assisted in delivering receipts while staying with them. I spoke with XXXX and XXXX to determine how I could show that my phone was in XXXX XXXX XXXX XXXX time. I then collected items, brought them to the XXXX branch location, and had the bank teller XXXX assist with faxing evidence over to the fraud department. XXXX I received an email notice that my credit score has dropped XXXX points from XXXX to XXXX due to the fact that I have been using my XXXX XXXX card more during this ordeal, reaching its top credit limit. This was my only non-compromised form a payment, and using it affected my credit score negatively. ( See XXXX ) At this time, I have only been refunded by Chase from the towing company, from a XXXX charge, and from a XXXX XXXX charge to my Chase Freedom Card ( XXXX now XXXX ) only. ( See XXXX ) XXXX XXXXepresent the associated attachments. Unfortunately because of the size restrictions, I am unable to send all of the attachments. My Chase Freedom Card ( XXXX ), and my new Chase Savings ( XXXX ) /Checking ( XXXX ) Accounts are unlocked. I have yet unlock my Chase Debit Card ( Now XXXX ) At this time, I am unsure if the person that found my wallet at work on XXXX was involved. I am unsure if the security person that called me XXXX that my wallet was turned in was involved. I am unsure if the phone calls from NC made to my mother and then to me XX/XX/XXXX were related. I am unsure, but find it highly likely, that the many spam calls and spam texts on XX/XX/XXXX were related. | ||||||
| 08/03/2021 | Yes |
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| My complaint is towards Chase Bank for false advertising of their promotional offer on their Chase Freedom Unlimited Credit Card. The beginning of this story is when I applied for the credit card on Wed XX/XX/2021. Part of the reason I applied for the credit card in the first place was that there was a promotional offer of 5 % back on groceries for the first year and a {$200.00} sign up bonus when you spend {$500.00} on the card in the first 3 months. I applied through the Chase mobile app and that promo showed on there the day I applied for the card. I have seen that promotion for about 3 months and it is still up on their website to this day. After I was accepted for the credit card, I noticed the progress bar for the {$200.00} sign up bonus, but nothing about the 5 % grocery offer. I called Chase about it, and they said to wait until the first statement posts and see if my grocery transactions receive that part of the bonus offer. So I used the card for various purchases ; some of which were at my local grocery store of XXXX. Then the statement posted on XX/XX/2021, and I looked through my rewards for each transaction and noticed my grocery transactions did not in fact get the 5 % back. Only the base 1.5 % that the card offers on any purchase. So, I called Chase. Before I dive into what the phone representatives told me, my complaint of fraud isn't about they told me specifically over the phone, but the information is pertinent to the situation. Phone Representative 1 : She tells me that she doesn't see a 5 % grocery offer activated on my card. I then ask her why it isn't and then she proceeds to tell me that she doesn't see where Chase is even offering the 5 % back on groceries for the card, and I responded by saying that it's on the Chase website and everywhere the card is advertised. She promptly transfers me up the escalation line. While on hold, I was hung up on. Whatever, so I called them back. Phone Rep 2 : I was instantly transferred straight up the escalation line. The phone rep I talked to here said that the reason I wasn't getting the 5 % back on my XXXX purchases is because XXXX wasn't an approved " grocery '' store for the promo. I asked him why, and he said that it has to be a store that primarily sells groceries and can't be a superstore like XXXX or XXXX. I told him the last time I checked, XXXX didn't turn into a superstore type of franchise. I then asked him what stores are approved. He told me in my area places like XXXX and XXXX are approved grocery merchants while places like XXXX and XXXX are not. I told him that didn't make any sense, but he just was trying to get me off the phone, so I just told him okay and ended it there. I then proceeded to search what grocery merchants are approved on the chase website and found that XXXX is indeed on their list. So this rep obviously was lying to me hoping that I go away. The approved grocery list for freedom cards can be found at https : //creditcards.chase.com/freedom-credit-cards/merchants. So I called back to complain and get some real answers. Phone rep 3 : She basically tells me the situation has been escalated already and my case is being investigated. I tell her that I find that hard to believe since the last rep thinks he probably took care of the issue. She tells me there's nothing she can do and to just wait. I got tired of dealing with phone reps and decided to go with their Secure Message portal. I essentially complained about my terrible experience with their phone reps, but more importantly ask for answers on why I didn't receive the 5 % grocery offer. Here is the first response on XX/XX/2021. " Thank you for contacting Chase in regards to the non receipt of the cash back on grocery store purchases as part of the new account bonus offer for the Chase Freedom Unlimited account ending XXXX. We understand the importance of receiving the new account bonus offer and apologize for any inconvenience this matter may be causing. ( my name ), we regret that you experienced disappointment in your dealings with our Cardmember Services area. We appreciate your feedback as it allows us the opportunity to improve. Although your account isn't eligible for the new offer you requested, the original offer is still available and will remain on your account. You will receive XXXX bonus points after you spend {$500.00} on purchases in the first three months from account opening. " Purchases '' do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We appreciate your business and thank you for being a Chase customer. " I then responded with asking why my account was not eligible for the 5 % grocery offer but it was eligible for the {$200.00} sign up bonus. This is their next response on XX/XX/2021. " Thank you for contacting us. ( my name ), I would like to share that the new cardmember bonus offers keep changing. When you signed up for the Chase Freedom Unlimited credit card, the only offer was to earn XXXX bonus points after you spend {$500.00} on purchases in the first 3 months from account opening. We appreciate you being a Chase customer. '' I then was expressing my frustration because the day I applied for the card the 5 % grocery promo showed in their app and on their website. I also explained how I had seen that promotion for 2-3 months and the promo still is on their website to this day. I was telling them how it didn't make sense how I didn't receive this promo, and continued to ask why I didn't receive it. Here is their next response on XX/XX/2021. " Thank you for contacting us regarding your Chase Freedom Unlimited card. ( my name ), I understand your interested in additional information about a new enrollment offer that includes 5 % cash back on grocery store purchases up to {$12000.00} spend, within the first year. New enrollment offers vary, based on the channel you apply for the card and when you apply. If you have any other questions we are available. We appreciate you being a Chase customer. '' I continued to get more frustrated because I kept explaining how the Chase app I applied through promoted that offer, so it didn't make any sense why I didn't receive the promotion. I will admit, I got a bit harsh in my response because I was tired of being thrown these generic answers without them actually answering my questions because the whole situation doesn't make any sense. Here is the next response on XX/XX/2021. " Thank you for contacting Chase. My name is xxxxxx and I will be happy to review your Chase Freedom Unlimited card. We understand your concern about your account and will be more than happy to provide additional information. ( my name ), when an application for a new account is accepted and includes a new account bonus offer, that offer is accepted as well. The offer for this account is to earn XXXX bonus points after you spend {$500.00} on purchases in the first three months from account opening. Unfortunately, the additional earn for grocery store purchases was not included with the accepted offer. The available credit card offers can vary and change at any time. Chase strives to ensure that our offers are clear and once approved for the card, our customers would receive the specific offer terms that were disclosed when they applied. We can not guarantee the specific offer you are requesting will be available when you apply for the card. As this offer has already been accepted, the account is not eligible to receive a different offer. We apologize for any inconvenience this has caused. If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. '' I appreciated this guy 's response because I actually felt like I got an answer here on why I didn't get the offer. I thanked him for that, but afterwards I asked for the documentation of the accepted offer, so I can see what promotional offers I agreed to. I also mentioned how it seemed kind of scammy that the offers " can change at any time ". Here is the next response on XX/XX/2021. " Thank you for contacting us regarding your Chase Freedom Unlimited card. ( my name ), because your application for the credit card was process online, we do not have an electronic application to provide. We have provided you with the enrollment offer that we received with your application on our previous response. I understand this is not the outcome you were expecting, I apologize for any inconvenience this has caused. I have sent your credit card agreement, it does not include the terms of your new enrollment offer, you will receive it by mail in 7 to 10 days. We understand this is important to you and thank you for your patience. We value your relationship with us. Thank you for choosing Chase. '' So essentially, Chase has no record of what promotional offers I agreed too. I was fed up and told them I was reporting them for false internet advertising to the FTC and XXXX ( FBI ). This was their most recent response on XX/XX/2021. " Thank you for contacting us about your Chase Freedom credit card ending in XXXX. ( my name ), we responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. If you have another request, please send us an e-mail or call us at the number on the back of your card. We accept operator relay calls. We appreciate your business and thank you for being a Chase customer. '' They want me to accept that I somehow didn't get an offer that is promoted every where the card is advertised, and they have no paper trail of what promotional offers I agreed to. This is why I'm here. I normally don't get confrontational, but the fact that I was lied to by phone reps and that I didn't receive the full offer that was advertised really made me upset and I feel that this is fraud. | ||||||
| 03/03/2019 | Yes |
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| CONDITIONAL ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX. XXXX XXXX XXXX XXXX, WI, XXXX XX/XX/XXXX Trustee in care of XXXX XXXX XXXX MS. XXXX XXXX PRINCIPAL CHIEF EXECUTIVE OFFICER REGISTERED AGENT JPMORGAN CHASE CREDIT CARD XXXX XXXX XXXX XXXX, DE, XXXX This is a legal notice. Please read it carefully as it means what it says, do not ignore it. Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, ENDING ACCOUNT No. : XXXX. Dear Ms. XXXX : On XX/XX/XXXX, you were sent Notice of Adequate of Due Performance. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. As soon as you provide the information requested, ( information which I believe I am entitled to under state and federal law ), in this conditional acceptance and counter-offer, I will gladly and timely fulfill my obligation. I am conditionally accepting your offer for the unverified items contained in the Account Ending # XXXX, upon proof of claim that : I, XXXX : XXXX, the undersigned decedent and authorized representative and trustee of the estate named person known as XXXX XXXX XXXX. Do hereby accept and agree to pay all debts, charges and obligations associated with the following account : XXXX upon proof of claim that the following conditions are met. 1. I demand proof of claim, that you provide a furnish a copy of Form 1099-A or an acceptable substitute statement also provide me with your federal tax identification number [ W-9 ] and your Internal Revenue Service at my above referenced address within 30 days. Failure to do so may result in a fine from the Internal Revenue Service division of the UNITED STATES Department OF THE TREASURY. 2. [ Per UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( i ) EXHIBIT THE INSTRUMENT THAT CREATED THE LIABILITY by providing a certified copy of the contract/compact/agreement/negotiable instrument which creates or created the liability for XXXX XXXX XXXX to pay or perform, per your claim. If it exists, provide a certified copy of the valid, two-party contract containing both parties signatures, which COMPELS me, a living Man to give you any real monies in the form of Silver or Gold for the alleged debt. Further, as Secured Party AND Creditor, I aver that I am acting in PRIVATE and IN HONOR. In order to REMAIN IN HONOR and NOT DISHONOR you or the Law, I ask for clarity on this question : Are you ( or your employer or any other party ) demanding/asking/requesting/requiring that I, a living Man give you property belonging to another - in this case, the FEDERAL RESERVE BANK ? If this is, in fact, the case, please PRINT YOUR NAME HERE : _________________________________________________________________________________________ and then SIGN YOUR NAME HERE : _________________________________________________________________________. 3. Per [ UCC 3-501 ( b ) ( 2 ) ], I demand proof of claim in that you : ( ii ) GIVE REASONABLE IDENTIFICATION OF THE PERSON MAKING PRESENTMENT AND PROVIDE EVIDENCE OF YOUR AUTHORITY TO MAKE IT, IF MADE FOR ANOTHER by identifying your company/corporation/agency by full name and place and date of birth ( such as the date of incorporation as well as the place/location of incorporation and/or the law used to create it. Please kindly provide a certified copy of proof of the authority that makes you the HOLDER IN DUE COURSE, to include the name of the Original Creditor, should this presentment be made on behalf of or for another. 4. Per [ UCC 3-501 ], should you fail to produce proof of necessary endorsement, I, without dishonoring your presentment, may : 1. ( i ) Return your presentment or 2. ( ii ) Refuse to pay or accept your claim/presentment for failure of the claim/presentment to comply with the terms of the instrument or 3. ( iii ) Refuse to pay or accept your claim/presentment for failure of the presentment to comply with this agreement between us parties or 4. ( iv ) Refuse to pay or accept your claim/presentment to comply with the laws of Wisconsin 5. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract or application with my signature on it ) that your company will verify, and that this information is mine and is correct and has not been altered in any way shape or form as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 6. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ). Take additional notice the legal definition of verification is to confirm or substantiate by oath or affidavit, a formal declaration made in the presence of an authorized officer, such as a notary public. All other forms of verification and documentation will be null and voided. 7. PROOF OF CLAIM that JPMORGAN CHASE CREDIT CARD as an artificial entity created under the laws of the State of Wisconsin, doing business in the State of Wisconsin by and through its board of directors, employees and agents are not bound to support Article I, X, as a state created entity in that " No state shall. make anything but gold and silver coin as legal tender in payment.. Please understand - this is not a refusal to pay. I simply require the above-requested information for my inspection and for my records, to ensure that I am paying the right party with the right standing to collect the alleged debt. Im SURE you understand. Now lets be clear : FAILURE TO COMPLY WITH THE REQUIREMENTS OF MY CONDITIONAL ACCEPTANCE/COUNTER-OFFER UNEQUIVOCALLY INVALIDATES YOUR CLAIMS/PRESENTMENTS. Please take notice that by the XX/XX/XXXX day past your receipt of this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, you MUST RESPOND to my requests via affidavit, deposition, oath, and/or sworn statement. Should you fail in this, I will consider this matter settled and the account closed, AND THAT your CLAIM/PRESENTMENT is VOID, XXXX XXXX. Should you choose to ignore or simply not respond/answer this CONDITIONAL ACCEPTANCE/COUNTER-OFFER, then you have most certainly agreed that your CLAIM/PRESENTMENT is both VOID and INVALID, has no standing in law, can not be enforced in any court of law/competent jurisdiction, and that XXXX XXXX XXXX is under no obligation to believe nor to deem the CLAIM/PRESENTMENT as valid. Please take notice that, at my own discretion, THIS CONDITIONAL ACCEPTANCE/COUNTER-OFFER SHALL BE ENTERED INTO THE OFFICIAL RECORD OF ANY AND ALL LITIGATION, PROCEEDINGS, LEGAL OR LAWFUL MATTERS ARISING FROM THIS CONTRACT, AND SHALL BE SUBMITTED AS EVIDENCE IN A COURT OF LAW. Per 15 U.S. Code 1692g - Validation of debts, please provide : a ) amount of the Debt b ) the name of the creditor to whom the debt is owed c ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector d ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 1. As the alleged creditor for all accounts listed Im demanding that all original contracts, applications, master promissory notes, drafts, checks, negotiable instruments whether secured or unsecured backed by offer, acceptance and consideration to which both parties agrees that a contract between the parties exists be returned to me within ( 10 ) business days. As the alleged creditor ( JPMORGAN CHASE CREDIT CARD ) agrees that all of the following negotiable instruments listed above were taken in good faith and as a holder in due course for value and consideration given to XXXX XXXX XXXX and that there exist NO claims to recoup INTEREST, VALUE, PROFITS, SHARES OR PROCEEDS from any of the instruments listed on page X of X in this document. 2. As an alleged creditor ( JPMORGAN CHASE CREDIT CARD ) will present all material facts and evidence to substantiate to the Trustee and all Credit Reporting Agencies that a unconditional promise or order and instructions given by the maker exists and will be presented as evidence upon demand or at a definite time once requested by trustee or any credit reporting agency with authorized consent to request for verification from trustee and that those instruments have not been securitized from liquid assets and pooled into an asset backed security and sold to investors or unverified credit-debt collectors and that you have not transferred any of these securities to a 3rd party or any subsidiaries that your company owns directly or is indirectly associated with. You have three ( 3 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit. This letter constitutes notice to the recipient. This agreement shall have the effect of an instrument under seal. Respectfully Submitted and Patiently Waiting, XXXX : XXXX, XXXX XXXX On the land of the state of the Union Wisconsin State /XXXX County NON-DOMESTIC CURRENT Domicil Location : XXXX XXXX XXXX XXXX XXXX, wisconsin state republic near [ XXXX ] United States of America Without Recourse Without Prejudice per UCC XXXX All Rights Reserved All Benefits Accepted Under Protest Cc : Secretary of the Treasury , XXXX XXXX | ||||||
| 01/12/2018 | Yes |
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Web | Older American |
| JPMorgan Chase and their attorney XXXX XXXX are conspiring with the XXXX County California District Attorney to deprive me of my rights to hold property and right to contract by having the DA arrest me on false charges over a civil litigation dispute. Theft of properties absent authority, or right. Chase has wrongfully foreclosed on my properties without the note and without authority, has failed to surrender the original notes as required after foreclosure, and has threatened foreclosure on other properties. Chase has, in hundreds of court cases, pointed to the Purchase and Assumption Agreement with Receiver, FDIC, as evidence that Chase acquired XXXX XXXX XXXX 's loans. But, the Purchase and Assumption Agreement states on page 10 that the means of transfer from FDIC to Chase is to be a Receiver 's Deed or Bill of Sale. FDIC has never issued any Receiver 's Deeds or Bills of Sale to Chase, because Chase did not supply FDIC with the required list of loans via schedule 3.1a, as stipulated in the P & A Agreement. This constitutes proof that Chase has no claim on any of our properties, or any other WAMU loans it has illegally foreclosed upon. For the record, I have never contracted with JP Morgan Chase ever, for any financial product and I never intend to. We have experienced years of continued harassment from JP Morgan, loan servicing companies, and attorneys. They have inserted themselves into my, and my familys lives demanding payments and threatening to take our homes if we refuse. We have been living under constant threat for nearly 10 years and now the local prosecutor is threating 17 years in jail because I substituted the trustee on the public record after WAMU went bankrupt. WAMU failed as a company because of their illegal sub-prime mortgage scheme that targeted minorities knowing that we would eventually default due to their non-disclosure of massive balloon payments and reverse amortizations that were built into these loans. HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes, I have been in civil litigations for many years and JPM has never made any offer to settle anything. What happened? I am a XXXX XXXX, having been brought to this country as an XXXX XXXX through the previously classified XXXX XXXX XXXX in XX/XX/XXXX. I have been a XXXX XXXX XXXX and XXXX XXXXr since XXXX, with many successful business transactions and successful banking relationships in that time. In XXXX, I built a single family home in XXXX XXXX California, and I obtained financing from XXXX XXXX XXXX ( WaMu ). WaMu went into receivership in XX/XX/XXXX and Chase claimed to have acquired all the assets from Receiver FDIC. However, it failed to conform to the terms and requirements of the Purchase and Assumption Agreement, it formed with the FDIC, failed to obtain from FDIC the Receiver 's Deed or Bill of Sale on any of the loans it claims to have acquired. An officer of WaMu who was hired by Chase, XXXX XXXX, testified that in the thousands of loans ... that were a part of this [ WAMU ] purchase, Ive never once seen an assignment of mortgage ... or allonges or anything transferring ownership from WaMu to Chase ... ( see attached J.P. Morgan Chase Bank vs. XXXX XXXX, XXXX ) CHASE 'S CLAIM THAT IT ACQUIRED WAMU 's LOANS FROM FDIC IS PROVABLY FALSE In addition to the proof cited above regarding Chase 's failure to obtain a single Receiver 's Deed or Bill of Sale as stipulated in the Purchase and Assumption Agreement, Chase 's claim that it acquired all of WAMU 's assets is also untrue. The presumption that Chase acquired all of WaMu 's loans is rebutted by the fact that more than {$610.00} billion of these loans were sold prior to WaMu going into receivership. The U.S. Senate Sub-Committee ( XXXX XXXX XXXX ) reveals in its findings of fact that WaMu sold and securitized at least $ XXXX of residential mortgage loans through its subsidiaries WaMu XXXX XXXX XXXX and XXXX XXXX XXXXe XXXX XXXX who acted as Depositors in the securitization transactions. See : https : XXXX In the case of XXXX v. JPMorgan Chase JPMorgan Chase and XXXX XXXX as Trustee have taken a position that universally applies to all {$610.00} Billion of these securitized loans. Each one of these loan transactions will show either the investor code XXXX, XXXX, or both somewhere in the Loan Transfer History screenshots within the servicing system and as such, the loans were not purchased from the FDIC. In the XXXX case, a specific REMIC Trust is named in the action. To prevail on its argument that the ( XXXX ) loan was sold and transferred to the Trust, JPMorgan Chase and XXXX XXXX, XXXX. as Trustee, both admitted / stipulated that the loan contained both investor codes XXXX and XXXX in the loan transfer history, which means the loan was sold by XXXX XXXX XXXX to the subsidiaries prior to those subsidiaries transferring the loan into the Trust. AND it was stipulated that the loan was NOT PURCHASED FROM THE FDIC. The presumption that Chase has relied upon in order to maintain its position in thousands of foreclosure proceedings is that ( 1 ) it acquired the loans through the P & A Agreement, and ( 2 ) that the assignments of beneficial-ownership interests to the loans unto itself as attorney-in-fact for the FDIC, have now been debunked by its own admissions! The alleged assignments of the DOT without actual transfer and delivery of the original note grants no authority to XXXX XXXX XXXX to bring its complaint or to foreclose, as it is clearly not the holder nor a party in interest. Without the original note and Receivers Deed or Bill of Sale, Chase was without authority to transfer the DOT to XXXX XXXX XXXX. And, further, absent clear proof that it acquired any of the WAMU loans it claims to have acquired, its complaint to the District Attorney, via its attorney XXXX XXXX, is a fraud upon the court, and a blatant conspiracy to defraud me of justice. While Chase has claimed to be the holder of my original notes, it has failed to surrender said notes to me, as required after foreclosure of two of my properties. This fact along with the sworn testimony of XXXX XXXX, XXXX, constitutes evidence that Chase lied ; that it was not the holder as claimed, and that each foreclosure was fraudulent, and a theft of my property. It also constitutes proof that the DA 's charges of fraud, brought at Chase 's behest, are utterly baseless, as Chase has never proven that it acquired said loans or suffered any loss. Thus, Chase and its attorney, XXXX XXXX, have conspired with DA XXXX XXXX and investigator XXXX XXXX, to falsely arrest, imprison and indict me, without any basis. IN AN ATTEMPT TO STOP THIS FRAUD I HAVE BROUGHT ACTIONS AGAINST CHASE FOR THE LAST SEVERAL YEARS I have been challenging Chase 's standing to foreclose in the local courts, for the last several years. Chase has repeatedly failed to prove that it acquired any beneficial interest to the properties it has foreclosed upon, or the properties it has threatened to foreclose upon. Recently, Chase had its attorney, XXXX XXXX, write to the district attorneys office claiming that Chase did not authorize the recording of various documents on the public record. However, I have proof that I did obtain authorization from chase based upon multiple private agreements that chase never responded to, defaulted on and acquiesced to. The District Attorney then had me arrested for filing false documents. XXXX XXXX did not name the officer who supposedly claimed that I was without authorization, nor did he supply the DA with an affidavit from a competent witness. The DA falsely arrested me without a sworn affidavit from an officer of Chase. He charged me strictly based on the letter from XXXX XXXX, who is not a competent witness, but was retained as the defense attorney on a suit brought by me against Chase, for wrongful foreclosure, illegal conversion and fraud. The claims of fraudulent filings are exactly what I have been accusing Chase of as part of my civil litigation against them. JPMorgan did execute un-lawful foreclosures and then evictions without returning the original notes to me, in violation of law and equity. As it is not equitable for Chase to keep both the property and the note after a foreclosure, see : California Civil code 2941. The district attorney has contacted a tenant that I have living in a different property in the county and intimidated him to such a degree as to convince him to stop paying the rent. This act by the DA was meant to deprive me of funding so that I would not be able to properly litigate the multiple litigations and experience a financial hardship. The district attorney has also been meeting with Chase 's attorney in the halls of the courthouse after the civil litigation proceeding to escalate the civil proceeding to criminal charges. ( See attached criminal complaint ). This situation has caused me extreme emotional distress for years, even after Chase has paid billions in illegal foreclosure settlements to the US government. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. Edit this section What would be a fair resolution to this issue? The CFPB should investigate each of Chase 's foreclosures on my properties and others, as there is compelling evidence cited herein that Chase does not have ANY of the notes on any of the properties it has foreclosed upon : According to the un-rebutted statement of the Florida Bankers Association ( see attached ) it is policy for banks to destroy notes. The federal government, which collects billions of dollars from banker 's malpractice settlements, must make these funds available to the consumers who have been defrauded by this malpractice. The judicial branch of government must admit that widespread bank fraud has been perpetrated against American consumers, and eliminate this practice. In this case, we ask that CFPB contact the public office of the XXXX County District Attorney to have them withdraw its criminal complaints against myself and other consumers actively litigating these important matters in civil court. | ||||||
| 01/12/2018 | Yes |
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| JPMorgan XXXX and their attorney XXXX XXXX are conspiring with the XXXX County California District Attorney to deprive me of my rights to hold property and right to contract by having the DA arrest me on false charges over a civil litigation dispute. Theft of properties absent authority, or right. XXXX has wrongfully foreclosed on my properties without the note and without authority, has failed to surrender the original notes as required after foreclosure, and has threatened foreclosure on other properties. XXXX has, in hundreds of court cases, pointed to the Purchase and Assumption Agreement with Receiver, FDIC, as evidence that XXXX acquired Washington Mutual Bank 's loans. But, the Purchase and Assumption Agreement states on page XXXX that the means of transfer from FDIC to XXXX is to be a Receiver 's Deed or Bill of Sale. FDIC has never issued any Receiver 's Deeds or Bills of Sale to XXXX, because XXXX did not supply FDIC with the required list of loans via schedule XXXX, as stipulated in the P & A Agreement. This constitutes proof that XXXX has no claim on any of our properties, or any other XXXX loans it has illegally foreclosed upon. For the record, I have never contracted with JP Morgan XXXX ever, for any financial product and I never intend to. We have experienced years of continued harassment from JP Morgan, loan servicing companies, and attorneys. They have inserted themselves into my, and my familys lives demanding payments and threatening to take our homes if we refuse. We have been living under constant threat for nearly 10 years and now the local prosecutor is threating 17 years in jail because I substituted the trustee on the public record after XXXX went bankrupt. XXXX failed as a company because of their illegal sub-prime mortgage scheme that targeted minorities knowing that we would eventually default due to their non-disclosure of massive balloon payments and reverse amortizations that were built into these loans. HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes, I have been in civil litigations for many years and XXXX has never made any offer to settle anything. What happened? I am a XXXX refugee, having been brought to this country as an unaccompanied minor through the previously classified XXXX XXXX XXXX in XXXX. I have been a XXXX XXXX XXXX and XXXX XXXXilder since XXXX, with many successful business transactions and successful banking relationships in that time. In XXXX, I built a single family home in XXXX XXXX California, and I obtained financing from Washington Mutual Bank XXXX XXXX XXXX. XXXX went into receivership in XXXX and XXXX claimed to have acquired all the assets from XXXX FDIC. However, it failed to conform to the terms and requirements of the Purchase and Assumption Agreement, it formed with the FDIC, failed to obtain from FDIC the Receiver 's Deed or Bill of Sale on any of the loans it claims to have acquired. An XXXX of XXXX who was hired by XXXX, XXXX XXXX, testified that in the thousands of loans ... that were a part of this [ XXXX ] purchase, Ive never once seen an assignment of mortgage ... or allonges or anything transferring ownership from XXXX to Chase ... XXXX see attached J.P. Morgan XXXX Bank vs. XXXX XXXX, XXXX XXXX XXXX 'S CLAIM THAT IT ACQUIRED XXXX 's LOANS FROM FDIC IS PROVABLY FALSE In addition to the proof cited above regarding XXXX 's failure to obtain a single Receiver 's Deed or Bill of Sale as stipulated in the Purchase and Assumption Agreement, XXXX 's claim that it acquired all of XXXX 's assets is also untrue. The presumption that XXXX acquired all of XXXX 's loans is rebutted by the fact that more than {$610.00} XXXX of these loans were sold prior to XXXX going into receivership. The XXXX XXXX XXXX XXXX XXXX XXXX Report ) reveals in its findings of fact that XXXX sold and securitized at least $ XXXX of residential mortgage loans through its subsidiaries XXXX XXXX XXXX XXXX and Washington Mutual XXXX XXXX XXXX who acted as Depositors in the securitization transactions. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMorgan XXXX JPMorgan XXXX and XXXX Bank as XXXX have taken a position that universally applies to all {$610.00} XXXX of these securitized loans. Each one of these loan transactions will show either the investor code XXXX, XXXX, or both somewhere in the Loan Transfer History screenshots within the servicing system and as such, the loans were not purchased from the FDIC. In the XXXX case, a specific XXXX XXXX is named in the action. To prevail on its argument that the XXXX XXXX XXXX loan was sold and transferred to the Trust, JPMorgan XXXX and XXXX XXXX, XXXX. as XXXX, both admitted / stipulated that the loan contained both investor codes XXXX and XXXX in the loan transfer history, which means the loan was sold by Washington Mutual Bank to the subsidiaries prior to those subsidiaries transferring the loan into the XXXX. AND it was stipulated that the loan was NOT PURCHASED FROM THE FDIC. The presumption that XXXX has relied upon in order to maintain its position in thousands of foreclosure proceedings is that ( 1 ) it acquired the loans through the P & A Agreement, and ( 2 ) that the assignments of beneficial-ownership interests to the loans unto itself as attorney-in-fact for the FDIC, have now been debunked by its own admissions! The alleged assignments of the DOT without actual transfer and delivery of the original note grants no authority to XXXX XXXX XXXX to bring its complaint or to foreclose, as it is clearly not the holder nor a party in interest. Without the original note and Receivers Deed or Bill of Sale, XXXX was without authority to transfer the DOT to XXXX XXXX XXXX. And, further, absent clear proof that it acquired any of the XXXX loans it claims to have acquired, its complaint to the District Attorney, via its attorney XXXX XXXX, is a fraud upon the court, and a blatant conspiracy to defraud me of justice. While XXXX has claimed to be the holder of my original notes, it has failed to surrender said notes to me, as required after foreclosure of XXXX of my properties. This fact along with the sworn testimony of XXXX XXXX, XXXX, constitutes evidence that XXXX lied ; that it was not the holder as claimed, and that each foreclosure was fraudulent, and a theft of my property. It also constitutes proof that the DA 's charges of fraud, brought at XXXX 's behest, are utterly baseless, as XXXX has never proven that it acquired said loans or suffered any loss. Thus, XXXX and its attorney, XXXX XXXX, have conspired with DA XXXX XXXX and XXXX XXXX XXXX, to falsely arrest, imprison and indict me, without any basis. IN AN ATTEMPT TO STOP THIS FRAUD I HAVE BROUGHT ACTIONS AGAINST XXXX FOR THE LAST SEVERAL YEARS I have been challenging XXXX 's standing to foreclose in the local courts, for the last several years. XXXX has repeatedly failed to prove that it acquired any beneficial interest to the properties it has foreclosed upon, or the properties it has threatened to foreclose upon. Recently, XXXX had its attorney, XXXX XXXX, write to the district attorneys office claiming that XXXX did not authorize the recording of various documents on the public record. However, I have proof that I did obtain authorization from chase based upon multiple private agreements that chase never responded to, defaulted on and acquiesced to. The XXXX Attorney then had me arrested for filing false documents. XXXX XXXX did not name the XXXX who supposedly claimed that I was without authorization, nor did he supply the DA with an affidavit from a competent witness. The XXXX falsely arrested me without a sworn affidavit from an XXXX of XXXX. He charged me strictly based on the letter from XXXX XXXX, who is not a competent witness, but was retained as the defense attorney on a suit brought by me against XXXX, for wrongful foreclosure, illegal conversion and fraud. The claims of fraudulent filings are exactly what I have been accusing XXXX of as part of my civil litigation against them. JPMorgan did execute un-lawful foreclosures and then evictions without returning the original notes to me, in violation of law and equity. As it is not equitable for XXXX to keep both the property and the note after a foreclosure, see : California XXXX code XXXX. The district attorney has contacted a tenant that I have living in a different property in the county and intimidated him to such a degree as to convince him to stop paying the rent. This act by the DA was meant to deprive me of funding so that I would not be able to properly litigate the multiple litigations and experience a financial hardship. The district attorney has also been meeting with XXXX 's attorney in the halls of the courthouse after the civil litigation proceeding to escalate the civil proceeding to criminal charges. ( See attached criminal complaint ). This situation has caused me extreme emotional distress for years, even after XXXX has paid billions in illegal foreclosure settlements to the US government. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. Edit this section What would be a fair resolution to this issue? The CFPB should investigate each of XXXX 's foreclosures on my properties and others, as there is compelling evidence cited herein that XXXX does not have ANY of the notes on any of the properties it has foreclosed upon : According to the un-rebutted statement of the Florida Bankers Association ( see attached ) it is policy for banks to destroy notes. The federal government, which collects billions of dollars from banker 's malpractice settlements, must make these funds available to the consumers who have been defrauded by this malpractice. The judicial branch of government must admit that widespread bank fraud has been perpetrated against American consumers, and eliminate this practice. In this case, we ask that CFPB contact the public office of the XXXX County XXXX Attorney to have them withdraw its criminal complaints against myself and other consumers actively litigating these important matters in civil court. | ||||||
| 09/21/2020 | Yes |
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| On XX/XX/XXXX, I filed a complaint with the Consumer Finance Protection Bureau regarding this matter. To summarize the complaint, Chase has been misreporting a closed, charged-off auto loan to major credit bureaus since XXXX. I believe they incorrectly handled the repossession of my vehicle, however they disagreed. What continues to remain unresolved is my requesting proof of this debt, which Chase has never furnished. In XXXX, my identity was stolen after I obtained an auto loan from Chase. Because of the costs associated with remedying the identity theft, I reached out to Chase to see if there was any way they would accommodate my situation. They did not. I defaulted on the auto loan after missing two payments in XX/XX/XXXX and XX/XX/XXXX. My car was repossessed in XX/XX/XXXX, and I received a " Notice of Intent To Sell ''. The problems escalated when I tried to retrieve my personal belongings from the vehicle at the repossession agent 's lot. Long story short, I was not allowed to retrieve my personal belongings. I was also denied the date and time the sale of the vehicle took place, and was thus unable to verify if the sale was conducted in a proper manner. This was of no concern to Chase. In their response to my CFPB complaint, Chase was blatantly dishonest, while also failing to acknowledge the core of my complaint ; To this day, I have yet to see a deficiency notice. Chase has been reporting a " charge-off '', with {$6700.00} as " written-off '', and a remaining balance of {$4300.00}. This is a total of {$11000.00} that they are holding me responsible for. The original loan amount was for {$32000.00}. The balance I owed when they repossessed my vehicle was {$1600.00}. That leaves ~ {$10000.00} that Chase claims I am responsible for, but hasnt accounted for, whatsoever. That doesnt even account for the monthly payments I made towards the original loan balance in the months prior to their repossessing the vehicle. There is no world where anyone would justify {$11000.00} in repossession costs for ~ {$1700.00} overdue balance on a vehicle that was worth ~ {$30000.00} ( after depreciation ) at the time. But I wouldnt know, as Ive yet to see a deficiency notice. In their response to my CFPB complaint, Chase claims that they charged off the account on XX/XX/XXXX, while maintaining that they have not spoken to me since XX/XX/XXXX. They have submitted documents that do prove that I was indeed late on my payments, and that they repossessed the vehicle. However, theyve simply disparaged my other requests, and have not furnished any post-sale notices that accounts for what I owe. They have not provided any documentation on how they arrived at the balance they have been reporting to credit bureaus. I only learned of these numbers through exploring my credit reports. If Chase believes they repossessed and sold the vehicle properly, why am I yet to see a deficiency notice, even after requesting it in writing through my complaint with the CFPB? They also failed to produce a deficiency notice in XX/XX/XXXX, when I disputed this information through XXXX and XXXX. In my original complaint, I mentioned how disputing this information resulted in a 100+ drop in my credit score. When I disputed the information, Chase " updated '' the information of my credit report, which is what caused my score to drop. I simply requested that Chase produce the documents proving the debt, which they did not do. XXXX and XXXX accepted Chase 's claim that the information was " verified as accurate '' without Chase producing any documents to prove this amount. Aside from that, as another part of their response to my complaint, Chase has incorrectly " re-reported '' this account to credit bureaus again, on XX/XX/XXXX. Now, instead of showing only a " charge-off '' with a remaining balance of {$4300.00} out of the original {$32000.00} loan balance, they are now reporting the {$4300.00} as the entire balance, along with the {$6700.00} charge-off. This virtually restructures the debt to appear as if I owe 100 % of the entire balance, instead of {$4300.00} out of {$32000.00} ( 13 % of the entire balance ). This has again caused my credit score to drop by 125 points, over-night. Again, this was just a result of disputing the information, and requesting proof of debt. How was Chase able to charge-off the same account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX? This is the exact type of practice that led me to file my original complaint with the CFPB. Again, neither Chase, XXXX nor XXXX acknowledge any of this in their response to my complaint. Not only that, another part of Chase 's response to my complaint was to remove me as an authorized user on two of my mother 's credit cards, on XX/XX/XXXX. I know this can not be because of my credit history, because aside from this derogatory Chase Auto loan, my credit score was excellent. Ive spent countless dollars, along with my blood, sweat and tears to repair my credit from the Chase Auto loan disaster. My credit card utilization averages <1 %. Of the > {$90000.00} in available credit I have earned, I am only using ~ {$100.00}. It would be nave to think it's simply a coincidence that Chase removed me as an authorized user the very next day they responded to my complaint. It is actually pretty clear that this was a retaliatory act. How dare I ask Chase to verify a debt, which again, they still have not done? Nowhere in Chase 's response to my complaint did they account for the cost of repossession. Nowhere did they state the date of sale for the vehicle. Nowhere did they state the amount the vehicle was sold for. Nowhere did they account for any repossession fees, storage fees, etc ... Nowhere does Chase show why {$6700.00} was " written-off '' and that there is {$4300.00} remaining. Nowhere has Chase explained how I am responsible for {$11000.00}, post-sale. Chase has not acted in good faith with this account since XXXX, and they made it clear that they dont plan on acting in good faith with their retaliatory behavior in response to my CFPB complaint. Despite their intimidation tactics, there is no way I will simply take their word on how they arrived at those numbers. There is no reason for XXXX or XXXX to take their word for those numbers either. Chase has had the opportunity to furnish these documents on multiple occasions, especially when they were required to by New Jersey law after the sale of the vehicle. They had the opportunity to furnish a deficiency notice when I disputed this information when I disputed this with XXXX and XXXX in XX/XX/XXXX. They had another opportunity to furnish this in my recent complaint with the CFPB. However, the fact is they have yet to provide anything that proves this charge-off/remaining balance, or proves that they are accurately reporting this account. They failed to provide the specific documents Ive requested, and yet again, XXXX and XXXX have simply taken their word for it. How is the information provided by Chase enough for XXXX and XXXX to " verify '' this debt, when Chase has never furnished any sort of deficiency notice? As per Chase, they have not spoken with me since XX/XX/XXXX. If the charge-off on my account occurred on XX/XX/XXXX, that means Chase admits, in writing, that they have not spoken to me regarding anything post-sale of the vehicle. They have not spoken to me about any sort of deficiency notice at all. If I have not been able to get Chase to provide me with a deficiency notice for over five years, how can XXXX or XXXX simply accept Chase 's response to my disputes without having received a deficiency notice either? Surely, if XXXX/XXXX is accepting Chase 's word for the validity of this account, they can produce this notice, no? Can XXXX/XXXX prove how much my car was sold for? Can they show where Chase proved to them why {$6700.00} was correctly written off? Can they prove how I still " owe '' {$4300.00} after said charge-off? Can they prove how Chase arrived at these numbers? If XXXX or XXXX can not prove this, then it's alarmingly irresponsible for them to allow Chase to keep reporting this unverified information. If they can prove this, then they have been withholding this information from me for at least two years. To finalize, getting a bank as large as Chase to verify a debt should not be this difficult. Disputing this information in an attempt to verify this debt should not have a damaging impact on my credit. And it's insane that I even have to say this, but attempts to verify a debt should certainly not come with retaliation from the bank. Due to the negligence of Chase, XXXX, and XXXX, this account should be removed from my credit reports. I won't relitigate how completely unprofessional Chase 's handling of the repossession took place, or how they failed to allow me to retrieve my personal belongings, or how they prevented me from attending the sale of the vehicle. The simple fact is that after five years, and multiple written requests, Chase has failed to provide me with a simple deficiency notice. Again, asking for proof of a debt does not warrant retaliatory behavior, nor should it knock my credit score back down to where it was five years ago. The amount of damage that this alone has done to my credit is enormous. All without Chase providing any sort of deficiency notice, or any sort of post-sale accounting of how Chase has arrived at these numbers. Ive attached Chases response to my original complaint, proving that they have yet to produce anything even remotely close to proving that I am responsible for anything near their {$11000.00}. With the exuberant amount Chase claims I am responsible for, and the incredible amount of time allowed for Chase to furnish a simple deficiency notice, after multiple written requests over all of these years, this is completely unacceptable. This account should never have been allowed to be reported to credit bureaus without these simple documents, and should be removed from my credit files immediately. | ||||||
| 01/23/2019 | Yes |
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| I have been or had been a loyal Chase customer since XXXX when I opened my original account in XXXX XXXX XXXX. I am now in XXXX XXXX. I have ( or had ) several accounts with Chase and one ( was ) a CD. Over the XXXX XXXX weekend I had a question about my CD and needed to speak with someone in person, which is difficult for me because I have a XXXX XXXX ( XXXX XXXX XXXX ) and going out in public where its noisy is challenging for me. Time line : On XX/XX/XXXX in the evening I looked at my bank balance and noticed that my CD balance looked like it was available for use. That had me quite concerned. XX/XX/XXXX I started calling Chase Bank at XXXX XXXX with these CD questions in mind. It was a Saturday on an extended holiday weekend, so I knew I only had a certain amount of time. XX/XX/XXXX XXXX after calling XXXX XXXX Branch of Chase Bank for three hours and getting no answer I drove to the Branch on XXXX XXXX in XXXX XXXX at approximately XXXX XXXX because this is where my CD originated from. Upon walking into the Bank, there was only a skeleton crew working and no phones were ringing. I sat in the customer service waiting area for someone to come and assist me. Several minutes later a young woman walked from behind the teller counter area towards me. When she walked through the heavy door she let it slam behind her. Now to make a long story short, I am on XXXX for a XXXX XXXX ( XXXX XXXX XXXX ) I received as a teenager and loud noises like those heavy doors slamming are excruciatingly painful to me and have a tendency to trigger an anger response, so that's why I ALWAYS ask people nicely to not repeat a triggering noise. When the young lady walked toward me we smiled at each other and I asked her politely if the phones were out of order and if she could PLEASE not slam the counter door on way back to the staff area. She acknowledged and stated that the phones were indeed working and someone would be right with me. She then turned away from me and headed from whence she came. I was at ease now and relaxed, however, I was not expecting the young lady slam the door again making me jump in my seat and causing me XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. I started to get up to leave, because I was becoming agitated. As the Rep returned, she slammed the door again ( this is the third time the door has slammed now ). I asked her when she came back out, " why did you slam the door when I asked you not too? She said " I'm hard of hearing ''. I said " how come you heard half of what I said, but not the other half ''. I further responded by making some sign language signs and said please don't slam the door. We exchanged a few other words back and forth never knowing each other 's names. At this point I declined to let this Customer Service Rep. help me with my accounts and asked if anyone else might be available. She stated " no '' and told me if I didn't leave she was going to call the police on me. I was literally stunned to be treated this way at my Bank so I chuckled in spite of the seriousness of this threat and left the branch. I drove over to the Branch facility at XXXX XXXX. in XXXX where the Ladies helped me with my questions regarding my CD. XX/XX/XXXX : For some reason I feared I might have a problem with XXXX XXXX Chase, so as soon as I returned from the XXXX Chase at approximately XXXX XXXX I called Chase Banks customer service number listed on the back of my debit card and explained what had transpired that day to a customer service person. They assured me they don't treat their customers that way and reporting a perceived abusive employee will most result in any repercussions whatsoever. I'm foolishly thinking everything 's okay and go about my life. Chase Bank has a branch in XXXX, XXXX. That is very small and personal, which I liked. One of the managers there, XXXX, knew me by sight and by name. I became comfortable enough in that branch that I could trust talking to the financial advisor about an inheritance I had, but was to afraid to invest. XXXX and his staff were awesome and I really miss that personal attention. Upon moving to XXXX, OR. I have had nothing but issue after issue with the two main branches here so unfortunately I do not feel like I have a personal banker I can go to with my banking " problems '' or act as an advocate on my behalf. I became to trust Chase so much that I let them push ( ACH ) money to my XXXX XXXX XXXX online savings account once a month. Once a month my SSI XXXX direct deposited into my Chase checking account. I had savings accounts for my Children and XXXX Grandchildren that I deposited into once a month. Plus I kept a fat savings account for myself. I started getting notices about my accounts about a week after the XXXX XXXX Chase branch non-event to go on-line and check my account. When I went on -line I didn't see anything that threw up a red flag to me. I actually thought it was about my XXXX account and that Chase couldn't send money to my savings accounts because I didn't sign a social security paper correctly. I get notices from Chase all the time, most of them are about tax info or things to just glance at. None of those online notices stated they were closing my account. XX/XX/XXXX Chase accepts my SSI XXXX Check from the federal Government and deposited it into my checking account. I confirmed that deposit via Chase 's online banking app. XX/XX/XXXX ; Chase closes my largest saving account and restricts all other savings accounts and my checking account. A paper notification is generated. XX/XX/XXXX ; Chase mails the account closure notification. XX/XX/XXXX ; My chase card was declined for an online purchase. An alternate card was used. XX/XX/XXXX XXXX refunded me {$81.00} for a returned item. Chase accepted the refund and placed it DIRECTLY into my 401k account, ( which is still open ). I would have lost the funds completely if XXXX had not accepted the funds. However, I learned on XX/XX/XXXX that my checking account was only restricted at that time. XXXX, on their own deposited that money into my 401k. I did NOT ask them to do this. I did NOT want them to do this. I did NOT request this and feel pretty sure this was NOT a legal maneuver on their part. XX/XX/XXXX ; I attempt to use my Debit card at XXXX for {$22.00} purchase which is declined. I called the chase XXXX customer service number on the back of my card and was informed all my accounts were frozen or closed. XX/XX/XXXX ; I drove the 1/2 mile to Chase to inquire what the heck happened to my entire Bank portfolio. A young lady named XXXX XXXX assisted me. She informed me that my accounts were in fact restricted. She spoke with a customer rep on the phone. They stated that they didn't have to give me any reason. Ms. XXXX printed out checks for my account balances and said " there was nothing she could do '' I was pretty darn upset, but no one wanted to be the person to step up, help me, and cross who ever I had XXXX XXXX. At this point I am out of a bank and need to act quickly to move my funds to a secure bank. XX/XX/XXXX ; I finally found another institution with which to bank with. Upon sorting out the details with the new accounts I noticed I was short an entire XXXX XXXX XXXX XXXX XXXX dollar savings account check from Chase. Once again it was Saturday on a three day weekend at XXXX ; XXXX XXXX. I jammed over to Chase Branch on XXXX XXXX. to inquire. Once again I spoke with Ms. XXXX XXXX who had helped me close out my checking, CD and small savings accounts several days prior to this visit. She asked what she could do for me upon my entering and I stated there was another savings account that was unaccounted for and I needed to know where the funds were. I had all my deposit slips from her closing out my accounts so I could prove what I was saying. She was nice enough to call customer service and ask where the funds were for that savings account and where they went. By now Ms. XXXX was a little tired of dealing with me and when I said to her, see, why are they were XXXX with me, she was way more concerned about my XXXX XXXX than my account. Once again she asked the person online for info as to why the account was closed even though I had not asked her to do that and at that point didn't care anymore. When I mentioned again that people were screwing with me she gave me such an fake sorry it was typical of why I stopped going into the Chase branches. What I discovered at that visit is for some odd reason Chase Bank personnel decided to close that savings account in question and send a check to me via extremely slow snail mail and send me a letter dated XX/XX/XXXX. XX/XX/XXXX : I received the letter of account cancellation. There is no explanation and states all accounts were closed on the XX/XX/XXXX, contrary to what actually occurred. The letter was post marked " XX/XX/XXXX. XX/XX/XXXX ; I received the check for the missing savings account. The check was post marked XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX so since this started I've been talking behind the scenes with Chase via XXXX messaging. Once again Chase assures me they are appalled at what has happened to me and can't quite figure out the logistics. Well neither can I. I'm really afraid what's going to happen with my XXXX SSI checks. Can I make the switch in time for next month 's check to get to a new bank? Will Chase management take my check and do whatever they please with it? Chase management keeps telling me they want to speak with me and are going to call, but I'm here. Just waiting to hear from them. I'm not going to wait forever. I have not gone on social media and bashed Chase for what I feel is bad behavior. I just want things cleared up. Chase Bank has crossed their fiduciary line with my money and they can not be allowed to bully the small guy such as myself. I would like to file formal complaint ( s ) against Chase and its XXXX XXXX Branch manager and the Customer service Rep. who initiated my account terminations. | ||||||
| 07/29/2022 | Yes |
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| Thursday XX/XX/XXXX, I received a text from a ( XXXX ) XXXX saying " thanks for setting up a XXXX account '' I didn't notice this text until after my second text from same number stating- " CHASE BANK | Did you attempt to use your card for {$850.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Today reply YES or reply NO. msg & date rates apply. '' I replied no. Shortly after replying no, I get a phone call from an ( XXXX ) XXXX number. Any number I don't recognize I screen and wait for a voicemail so I can verify if I need to call the number back. They did not leave a XXXX so I didn't call back. I get another phone call and assume my bank is trying to contact me and I need to pick up because something odd is going on. I answer the phone a male answers saying his name is XXXX and he's calling from the fraud department of chase bank and is calling to verify if I made a purchase at supposed " oil company '' in FL like the text that I received states. I told him no and that I already replied no on the text. he apologized that this is happening to me and said a lot of people are getting hacked right now and we need to create a new account to protect my money. He said well have to move my money through XXXX. I told him I have no idea what XXXX is, I don't have that and don't know how to use it, he said no worries, XXXX is linked to your account already and I can walk you through it. After a series of questions to " verify '' my account he said my account must be under surveillance for at least 24 hours to watch for activity before we move on. He said we will call back at XXXX tomorrow to process my new account XX/XX/XXXX at XXXX he calls back and that's when he wires {$2000.00} to himself little did I know. My account had a set limit of XXXX and I couldn't do anything else, he said you'll have to call us back on tuesday when we're back open for business after the holiday and recreate new log ins and get me back into my new account. He said all money will be in this new account and will be transferred back over immediately. When I called Chase on tuesday they informed me that unfortunately that wasn't them, it was actually a scammer and they took {$2000.00} from me and I have to create a claim and a new account. I filed a claim with the guy from the claims department of chase. The male I spoke with was extremely rude with me on the phone and didn't show any compassion for my situation. He made the entire process worse. He then transfers me to a lady in another department to create my account number, new log ins, a verbal password, how to handle my identity theft issue since they also received that info. When being switched over to her, out of pure protection for my self, I asked her if she was with Chase bank, She replied very XXXX and mockingly, " did you or did you not call Chase bank yourself '' I replied " yes ma'am, I did but for my protection, I'm asking you if you're an employer for this - '' she cut me off and stated again. " Did you or did you not call chase bank yourself? if so, then you're still speaking with chase, so did you or did you not? '' After her rude remark I just said okay can we just get this over with because at that point I felt I was being bullied not once, but now twice by another employee and this company obviously doesn't care about me or my situation. She then credited my account the {$2000.00} and said this money can be removed if they deny my claim. I asked her why would it be denied since I was a victim of fraud. She was silent for a total of almost 2 minutes, I replied " hello? why would I not get this back? '' She explained that I have a 50 % shot of getting my money back, chase bank will investigate the number from XXXX and track it to " XXXX '' to retrieve money back. I thought to myself, well chase bank is an INSURED BANK, surly I would get my money back since anyone else who has been a victim of fraud has gotten their money back...?? I didn't want to ask her anymore questions, I just wanted off the phone because no matter what I said or asked she would just down play the situation or act like this wasn't a big deal and I was just an annoyance to her. I transferred this amount into my savings so nothing would happen to the {$2000.00} incase for some crazy reason they deny the claim. On Wednesday XX/XX/XXXX they removed this money from my account WITHOUT notice. I received no mail, no text, nor a phone call regarding this claim, I never got any updates from them either. Today ( XX/XX/XXXX ) at XXXX I received an email saying " We have an update on your claim, when I clicked the link it just took me to my online account of checking and saving. I had to search for several minutes just to find any letters at all. I finally found the tab of " news letters '' under 3 other different tabs that I had to click JUST to find this info. I found the letter that they sent 7 days before removing this money. I don't understand why there's such a lack of communication, compassion, and secrets? Why hide this letter so far into your customers account that no one even gets a notification or an EMAIL about the notification. The only reason I got this email is because is spent XXXX hours on the phone with Chase bank yesterday ( XX/XX/XXXX ) complaining about how awful this company is and that they never sent me ANY information. Whats even more crazy is that they never ONCE told me where I could find any news letters that they might send to me. No one from the local branch, online, fraud department, claims department or headquarters EVER explained how to find this info. on ( XX/XX/XXXX ) I called the company after noticing that my account was NEGATIVE $ XXXX because of the " Reversal ' of the {$2000.00} that was stolen from me. I was yet again transferred to another representative that explained why the claim was denied since I never received any information that I knew of. She proceeded to tell me that the transaction was authorized and the transaction was through XXXX so therefore we denied the claim. I was DEVASTATED, how can this company DENY the FRUAD that happened to me??? Not the mention the COUNTLESS amount of others who have gone through this. She told me that there's nothing I can do with this claim anymore. She recommended that I call XXXX since this took place through XXXX, even though it was on my Chase bank account App or I could write a letter to Chase and send it to the claims department po box so they could reopen the claim and look further into this issue. I went ahead a filed a police report just to have proof this wasn't me because they don't believe im telling the truth. In order to have this claim reopen I have to have documents proving it wasn't me even though the address to where the money went is in FL and they even shared that information with me when I first filed the claim. The guy asked, did you spend this money in Fl, are you in Fl right now? Do you live in Fl. I replied no for all questions. When I try to contact XXXX, they don't even pick up. They just tell you to contact your bank. Ive XXXX the fraud number for XXXX and their website says there's no fraud protection with XXXX. So I XXXX who OWNS XXXX, turns out its the 7 most biggest banks in XXXX and Chase is one of them! How can this company who OWNS XXXX, not return my money to me?? This is absurd!! After more research about the Federal Law Regulation XXXX I decided to reach out to every company I can to send in complaints on this fraudulent company. They can't keep doing this to the American people. I have found COUNTLESS articles online about people who have unfortunately been scammed the same way I have!! The people who are being scammed are the same people who have bank accounts with the banks that OWNS XXXX!!! The most common scams are from XXXX XXXX XXXX, XXXX XXXX and Chase banks. The ONLY bank who isn't giving money back to their customers and saying oh well, and " we will never send you a code if we call you '' is CHASE BANK. XXXX XXXX XXXX, and XXXX XXXX customers have received their money back but Chase bank REFUSES. I will attach several links of news articles of people getting scammed from Chase. The people who bank with Chase went to their local news station to spread the word about Chase ended up getting their money back AFTER the stories aired. I Have SEVERAL news reporters from different states gathering my story with Chase so that the word can spread the word about this scam and how to avoid it. I hope my story will protect others of their hard earned money that Chase is stealing. Cited Sources Below : By : XXXX XXXX and XXXX XXXX " Chase customer loses total of {$7000.00} in XXXX scam : Here 's what you need to know '' Posted on Friday, XX/XX/XXXX XXXX XXXX XXXXXXXX By : XXXX XXXX XXXX Chase Bank reimburses man {$12000.00} he lost in scam after XXXX inquiry '' Posted at XXXX AM, XXXX XXXX, XXXX and last updated XXXX AM, XX/XX/XXXX https : XXXX ByJennifer Surane " US Senators Seek Crackdown on XXXX Amid Complaints of Fraud '' XX/XX/XXXX, XXXX PM XXXX XXXX : XXXX Author : XXXX XXXX ( XXXX ) " XXXX XXXX had {$23000.00} stolen through XXXX payment app scam '' Published XXXX XXXX PM XXXX XX/XX/XXXX, XXXX : XXXX PM XXXX XX/XX/XXXX https : XXXX By XXXX XXXX and XXXX XXXX Published XX/XX/XXXX Updated XX/XX/XXXX " When Customers Say Their Money Was Stolen on XXXX, Banks Often Refuse to Pay Federal law requires banks to reimburse customers for unauthorized electronic transfers, but they often refuse, stranding victims. XXXX XXXX XXXX XXXXXXXX I have attached XXXX pictures below. One is the police report, one is the text from scammer with XXXX, XXXX is my letter that I got from chase. The first XXXX sent on XX/XX/XXXX was never notified to me. I didn't receive the same email that I received today ( XX/XX/XXXX ) notifying me of this denial like I did on the XXXX. The lady pic is the screen shot of the email that I received today regarding the " notification on the update for my claim '' | ||||||
| 07/26/2017 | Yes |
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| Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX , IA XXXX XXXX , D.C. XXXX XXXX XXXX Consumer Financial Protection Bureau Chase XXXX XXXX XXXX XXXX . c/o XXXX XXXX XXXX XXXX , D.C. XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] JPMorgan Chase Bank NA 1 Chase Manhattan XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX / XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX , WaMu, JPMC illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to Chase aka the alleged owner and investor of said loan on multiple occasions. Chase stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX XXXX XXXX WaMu nor with JPMorgan Chase as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process. A Securitization and Bloom Berg Report has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX JPMorgan Chase Bank employee XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX . XX/XX/XXXX I and my husband filed a lawsuit against THE CEO XXXX XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. CHASE LATEST RESPONSES As of XX/XX/XXXX , JPMorgan Chase mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank JPMorgan Chase to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX . RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX . Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with Bear Stearns Co the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. JPMorgan Chase Bank NA, 2.WaMu aka Washington Mutual Bank now acquired allegedly by JPMorgan Chase in XX/XX/XXXX , 3. XXXX XXXX XXXX , d.b.a XXXX XXXX XXXX , now acquired allegedly by JPMorgan Chase Bank as of XX/XX/XXXX - XX/XX/XXXX , 4. XX/XX/XXXX allegedly acquired by JPMorgan Chase Bank XX/XX/XXXX , for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX . HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX . jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from EMC mortgage pay off dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a multimillion dollar investment deal with XXXX XXXX XXXX The amount owed to him as of XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX . XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX . Thereafter we decided not to do a refinance and just keep the loan we had with EMC Mortgage T X. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX , as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying EMC mortgage until XX/XX/XXXX received the payoff notice paid in full. As of XXXX XX/XX/XXXX to XX/XX/XXXX WaMu began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. WaMu claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was WMMCO located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX / XX/XX/XXXX . They later then changed the alleged Investor information to a WMBAS XX/XX/XXXX . JPMC [ JpMorgan ] Chase also began stating that they owned the mortgage note and stated on three occasions that they acquired it from WaMu as of XX/XX/XXXX . The first time they stated this they claimed they acquired it XX/XX/XXXX Then another statement or letter claimed they JPMC acquired the note on XX/XX/XXXX and another claim for acquisition by JPMC was for XX/XX/XXXX sent to me on XX/XX/XXXX . Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, JPMC claimed that i was paying them through EMC mortgage as of XX/XX/XXXX . This is impossible because I was sending my payments to EMC mortgage Co located in Texas. No relations to JPMC until EMC was acquired as of XX/XX/XXXX by JPMC. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a JPMC credit card whom JPMC removed the lien XX/XX/XXXX . Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX WaMu and now currently employed by JPMC place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XX/XX/XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX report. There are also over 10 banks breaking chain of title and more please see the XXXX report and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of JPMC for fraud forgery identity theft and included was the missing USDA Bond fo XXXX XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against JPMC WaMu and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them JPMC {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. JPMorgan Chase Co Bank NA and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the XXXX or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse. | ||||||
| 03/26/2023 | Yes |
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| In short, as this is quite taxing and the supporting documentation extensively outlines this ongoing, year+, known issue. I experienced hardship early in XXXX I initiated contact with JP Morgan Chase, and directly addressed the issue with a representative of JP Morgan Chase. An agreement was made with JP Morgan Chase and their representative set a standard of expectation of use of my card while I was being provided the reasonable opportunity of time to resolve the issue. JP Morgan Chase did not adhere to this arrangement, nor did they fulfill the expectation that the representative of JP Morgan Chase set. Chase prematurely froze my account without advance notice and in direct conflict with the prior agreement. At the time l learned about this counter productive action on Chase ' part, I was needing use of my available card balance to place an order for fine art prints to sell in XXXX of XXXX. The profits from that order would have resolved the situation. I once again initiated contact with JP Morgan Chase and directly addressed this, as well as the fact that they were directly impeding and preventing me from being able to resolve the issue in the fully known, mutually beneficial manner that was my sole desire. JPMorgan Chase refused to pull the call recording with the agreement, as their representative was apparently negligent in documenting per numerous, ongoing discussions with Chase, and Chase refused to unfreeze my account so that I could resolve the issue in the timely manner necessary for my overall life, work, and survival. JPMorgan Chase confirmed months later it had been in their power to fulfill that fully reasonable request. Despite this recorded fact ( per Chase automated disclosure on every call ), JPMorgan Chase refused to provide any form of reasonable resolution for the situation. They did this for full, consecutive months, all the while having full knowledge of the distress and harm they were causing to me, my health/disability, my financial situation and ongoing and accruing loss of income while I'm forced to have to continue to address this unresolved issue as Chase has been fully aware, and future during the entirety of the 7 months of direct attempts on my part to achieve the reasonable, mutually beneficial resolution, and indefinitely until this horrific degradation is finally resolved. I was denied accessibility accommodation for 4 months, despite my numerous requests for the duration. In XX/XX/XXXX XXXX, I was finally contacted by the Disability Accessibility Department. I was only finally allowed to have the knowledge of the existence of such a department after months of this being withheld from me, after I had to contact Chase ' fraud department to report the ongoing actions of Chase representatives for consecutive months up until that point. The ongoing errors and my continously being mislead by the representatives of JP Morgan Chase was confirmed by that department. It was also confirmed that my numerous requests, and in varying options, for the fknown, desired and mutually beneficial resolution for both parties, were fully reasonable. Even in the XX/XX/XXXX XXXX conversations with JP Morgan Chase executives, it was confirmed that these reasonable requests were options. Despite these facts and recorded evidence in their possession, the JPMorgan Chase executive manager was combative, uncooperative, and unreasonable in demonstrating any form of willingness to finally resolve the situation. She chose to behave in this manner despite confirming the fact I was lied to repeatedly when I had requested that the XX/XX/XXXX XXXX call recording with the agreement and expectation of continued, unimpeded card use was set while I made payments I could afford during the time I was making efforts to resolve the situation, but Chase chose to freeze my account without notice and prevented me from doing so ; She brought to light the issue that I apparently should have recieved documentation of that original agreement. I was not provided with that, and despite that error on the representative of JP Morgan Chase ' part, the executive office manager still refused to demonstrate any willingness to resolve the heinous situation their company continued to subject me to. After months of my repeated requests that the original payment and continued usage agreement call recording from XXXXXXXX XXXX be pulled, to provide the imperative clarity needed for myself and my medical conditions to neutralize the ongoing exacerbation of my conditions resulting from JP Morgan Chase ' actions throughout, as well as for its representatives ; I was repeatedly told by multiple representatives of JP Morgan Chase that was not possible for an extended, and grotesquely excessive and fully unnecessary period. The executive office manager later confirmed in XXXX of XXXX, that I had been mislead, as she stated that XX/XX/XXXX XXXX call was finally pulled in XXXX of XXXX XX/XX/XXXX XXXX was the first time this fact was brought to light. This imperative information has allegedly not been documented, as confirmed on my numerous interactions from the time it was pulled in XXXX and for the full duration to that point in XXXX of XXXX Yet, I was denied the medically necessary clarity to listen to it with her, as was a reasonable request after such an extensive period of discrimination and continuously being mislead by the representatives of JP Morgan Chase, as this would alleviate the extremely distracting hyperfixation solely resulting from the ongoing, fully known distress and harm that was being inflicted on me for the full duration of the seemingly unrelentingly negligence by JPMorgan Chase to accurately address and document concerns and interactions for months, while failing to resolve the known issue or perform due diligence throughout. The JP Morgan Chase Executive Manager told me it was not medically necessary. She stated this as fact, without providing her medical credentials and without having my medical history, beyond the times I was subjected to severe degradation by feeling I had no choice but to have to share extremely personal and private information with representatives of JP Morgan Chase prior to the executive manager making this false statement, and which she was not qualified to make. Despite this, JP Morgan Chase has still refused to resolve the situation at all in the known, fully reasonable manner that was required. Per physical documentation, they have continued to violate the cease and desist of contact, after harassing me despite previously and clearly being made aware of the harm their actions were causing to my health and the financial loss being caused to me while they refused to resolve the situation I was forced to deal with and address, instead of being permitted to focus on my obligations to better my circumstances and life. With this, they have continued to falsely report the debt they caused by choosing to prevent me from resolving the situation myself. All while denying me covid-19 hardship assistance advertised that would be REASONABLE for my circumstances, as fully known to be imperative per numerous recordings and written documentation in their possession for the duration of this situation. I even inquired about financial grant programs they offer. Their website advertises grants, and boasts about helping a male artist achieve his dream and buy a house. JP Morgan Chase apparently felt that male artist was deserving of help. Yet obviously, based on my extensive first hand mistreatment by JP Morgan Chase ; JP Morgan Chase 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hence the FULLY KNOWN FACT my survival and safety fully depends on my having good credit and being able to do what is within my known, documented medical limitations to make money to be able to move away and to somewhere I will finally be safe from this person. I was put in a position to have to share this with JP Morgan Chase out of desperation to finally recieve bare minimum service, and yet they made the informed decision to set this life necessity back even further. Yet, all I have been doing for years is to try to rebuild my life and the business set back by that atrocity. With documentation of my efforts and progress ; it seems to be jp morgan chase 's official stand point that I have not been even deserving of confirmed, fully reasonable assistance to have the opportunity to do what was within my limited power and capabilities to resolve a situation in a mutually beneficial manner ; For me to make the payments I could afford, make purchases for my work and business, thus the profits would resolve the situation, and the card balance would get paid down, and both parties benefit for the greater good. JP Morgan Chase refused this. That is a fact. This discriminatory and harmful situation, that remains unresolved over a year after JP Morgan Chase made the fully informed decision to directly, fully prevent me from resolving myself, as I was able in XXXX XXXX XXXX and has continued for all the months since despite my documentated, diligent and extensive efforts ; needs to finally have a satisfactory resolution. | ||||||
| 01/29/2021 | Yes |
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Web | Older American |
| I am lodging this complaint in the interest of elder protection from fraud on behalf of my XXXX year old neighbor. In XXXX she was lured into a vicious scam which resulted in her being tricked into purchasing gift cards with her Chase visa card at grocery stores where she never shops, and in amounts wildly outside her typical spending pattern. She was never contacted by Chase to investigate the highly suspicious activity which we believe best practices would oblige - particularly in the case of elderly clients. The incident happened this past XXXX and we have been in weekly contact with Chase Bank being passed from one customer service rep to the next in our quest for some relief from this debt. Here is her statement regarding details of the fraud/scam.. XX/XX/XXXX ( afternoon ) - My XXXX computer became frozen and nonfunctional with a repeating circle on the screen. After trying several ways to bypass the circle, I was contacted almost immediately by an " XXXX Technician '' who said they would help me get my computer running again. Since the computer is now my lifeline to the outside world, I was relieved for this " help '' and proceeded to follow their instructions. I was told in order to initiate the changes they needed to make I would need to purchase gift cards at a nearby grocery store and give them the numbers in order to validate / implement a new security for my computer. In such a vulnerable state, I complied with their instructions. XX/XX/XXXX When they contacted me on the XXXX, they told me they would be depositing {$15000.00} into my bank account so that I could wire {$15000.00} to an outside account, and showed me a screen with my banking information which made me suspicious. I refused, and I immediately went to see my neighbor, ( BF ) to help me sort through what was happening. After sharing with my neighbor the events of the previous day and this morning, we both determined it was a total scam and we called Chase Fraud Department to alert them not to accept any of the charges. We spoke with XXXX at XXXX and let her know that all of the charges at XXXX and XXXX were fraudulent and to reject all of them. Further, the charges are so far from any of my spending patterns, we assumed this sudden and drastic change in my spending patterns would be clearly picked up as fraud. XXXX informed us that some charges had been declined, and some were approved but they were pending. We instructed her to decline all of the pending " approved '' charges. She initially told us that they would need to wait for the pending charges to be processed and then dispute them, but we strongly disagreed and asked that she stop them immediately. XXXX then informed us that I would not be liable for the charges. I was so relieved. Following are the charges XXXX showed were pending and declined. XX/XX/XXXX XXXX {$500.00} Approved ( pending ) XXXX {$500.00} Approved ( pending ) XXXX {$500.00} Approved ( pending ) XXXX {$1000.00} Approved ( pending ) QFC {$1000.00} Approved ( pending ) XXXX {$1000.00} Declined XX/XX/XXXX XXXX {$1000.00} Approved ( pending ) XXXX {$1000.00} Approved ( pending ) XXXX {$2000.00} Approved ( pending ) XXXX {$2000.00} Declined XXXX {$1000.00} Declined XXXX {$500.00} Declined After receiving XXXX 's confirmation that I would not be liable for the charges, I went to Chase bank to close my account and set up an appointment with XXXX to work with an authentic technician. XX/XX/XXXX The XXXX technician determined my computer had been " hacked '' and applied the appropriate fixes. With my bank account closed, XXXX 's assurance that I would not be liable for the pending fraudulent charges, and my computer fixed, I was looking forward to putting my life back together. XX/XX/XXXX I checked my Chase account online and saw that {$4500.00} of the fraudulent charges had been posted to my account! I went to see my neighbor, BF, immediately and we called Chase Fraud Department again and spoke with " XXXX '' this time. XXXX passed us to " XXXX '' in your Dispute center who said that since I purchased the gift cards they could not honor a dispute. This was very frustrating since we caught it and alerted Chase ( XXXX in your Fraud Department ) while the charges were still PENDING. We asked to speak with a manager and we were passed to " XXXX '' in your Recovery Department. We share the whole story with her and she said that the matter would be escalated and we would be contacted within 24 hours. XX/XX/XXXX I received the attached letters from XXXX XXXX XXXX and XXXX ( 2 organizations to which I donate annually ) confirming that there had been a breach of their security systems which indeed explains how the " criminals '' by whom I was victimized were able to access my computer and drag me into their elaborate scam operation. I attach these documents as proof of this fraud. XX/XX/XXXX Since we did not hear back from XXXX or anyone, we called again today, and spoke this time with " XXXX '' Specialist in your Recovery Department who asked me to send the attached documents. As mentioned, I am requesting that all the fraudulent charges be removed from my account for the following reasons : 1. I contacted your Fraud Department while the charges were still pending to alert them to reject the charges, and understood that I would not be liable for the charges. 2. I was clearly the victim of a sophisticated scam operation as evidenced by the history described in this email and the supporting attached documents. 3. I have been a loyal Chase customer for 33 years ( bank and visa accounts ), am an XXXX XXXX XXXX retired XXXX XXXX on fixed income with no family in the area and am asking for your special consideration during this difficult time. After weekly follow ups with the Fraud Department at Chase, in XXXX we were passed to the corporate offices in Ohio. Following is the letter we sent on XX/XX/XXXX. XX/XX/XXXX To whom it may concern : I am sending this request for re-evaluation of my case # XXXX as recommended by XXXX XXXX, Supervisor of Fraud Operations at Chase. I am an XXXX XXXX retired XXXX XXXX on a fixed income, with no family in the area. I have been victimized by an elaborate credit card scam. This has left me feeling very unsafe and vulnerable during times of great uncertainty in the world. I have been a loyal Chase customer for 33 years, paying my bills punctually each month. I am asking that you please consider the extenuating circumstances related to what has transpired, and remove the fraudulent charges from my account. To summarize : Unbeknownst to me, in early XXXX XXXX, a large software company that manages data for non-profit organizations of several charities to which I donate regularly, had a breach of their security systems. Unfortunately, I was not alerted of this breach until XX/XX/XXXX of this year. The scam by which I was victimized began on XX/XX/XXXX. My XXXX computer became frozen and nonfunctional with a repeating circle on the screen which I was unable to bypass. I became greatly alarmed since the computer has become my lifeline to the outside world as we all struggle with the effects of COVID and stay at home isolation. Within 24 hours I was contacted by an XXXX Technician who offered to help get my computer running again. What relief I felt! I was told in order initiate the appropriate fixes, I would need to purchase gift cards and give them the numbers in order to implement a new security for my computer. In such a vulnerable state, I complied with their instructions and purchased several thousand dollars worth of gift cards using my Chase Visa. These were extraordinary purchases for me ; I have never made similarly large purchases on any of my Chase accounts. When the scammers contacted me the next day to continue the ruse, I became suspicious. I went to see my neighbor, XXXX XXXX, who helped me sort through what was happening. Together we determined this was a fraud and called the Chase Fraud Department immediately to instruct them to DENY the charges. We spoke with XXXX who said several charges had been denied but a number of them were PENDING. We strongly instructed her to STOP all the charges. At first XXXX said we could let those charges go through and protest them later, but we insisted that they should be stopped. XXXX finally informed us that I would not be liable for the charges and they were removed from my account. This was a huge comfort. I then went to my local Chase bank to close my account, freeze the credit card account. I also set up an appointment with an authentic XXXX technician who determined that my computer had indeed been hacked and applied the appropriate fixes. In reliance on what I was told, I took no further action. I was looking forward to a new chapter in my life and a return to some stability. In XXXX, however, {$4500.00} of the charges which XXXX had removed in XXXX reappeared. I was stunned and dismayed. XXXX and I then began over two months of communicating with various specialists in the Chase Fraud Department system. The final instruction we received from Mr. XXXX was to contact your executive offices for further consideration. This whole affair has left me feeling quite defenseless during a chaotic time. I am kindly requesting that consideration of my plight be elevated to the highest possible level, and the extenuating circumstances which I have outlined be included in your review. With your help, I am looking forward to a positive outcome to this very dark episode in my life. Thank you so much for considering my request. From late XXXX through XX/XX/XXXX we followed up weekly by phone with the corporate offices of Chase in Ohio speaking first with " XXXX '' who passed us to XXXX XXXX. On XX/XX/XXXX Ms. XXXX passed us on to discuss the incident with XXXX XXXX. The final result yielded absolutely no relief for Chase 's long standing customer in this horrible predicament. | ||||||
| 06/26/2020 | Yes |
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Web | |
| I recently had fraud on my Chase United Explorer Card ( XXXX ). Below are the dates of events that unfolded that led to me writing this complaint. XX/XX/2020 I went to XXXX XXXX XXXX for a scheduled appointment. All transactions after this were unauthorized, not authorized by me nor did I receive any benefit. In addition, I have never previously authorized anyone to use my card. XX/XX/2020 I went to a bar in XXXX, Texas ( I believe it was named XXXX XXXX ). This was my first and only time at this location as I was in town visiting friends ). I ordered 1 item for a group of friends, paid at the bar, and immediately received a card back. I did not look at the card, as I saw it was a Chase United Card, and placed the card in my wallet. Based on it being a Chase United card I assumed it was my card they handed back to me. XX/XX/2020 On or around this date, I noticed a number of unauthorized transactions on my account. I contacted Chase to report fraudulent activity on my card ( I am not sure if it was the dispute department or fraud department ). They asked me if I had my card. I informed the representative I did have my card, that it was sitting in my truck. I do not use this card too often, so I did not have it on my person. I disputed some of the transactions, but do not recall which ones on which date. XX/XX/2020 The day after I filed my first dispute, I was looking at my account again, as the cycle date had ended and noticed additional transactions on my card that were unauthorized. I did not see these transactions originally as I was reviewing transaction details for the Chase representative for the dispute. I went to my truck, grabbed the Chase United Explorer card, looked at it, and saw it has another persons name on it ; XXXX XXXX ( XXXX ). I was shocked and it took me a minute to figure out the last time I had used my card, and it was at XXXX XXXX. I immediately contacted Chase again ( not sure if it was Dispute Department or Fraud Department ). I filed a dispute on the remaining unauthorized transactions. I also informed the representative at this time that I did NOT have my card, and that my card appears to have been switched at the XXXX XXXX bar the last time I had used it. I informed them that the previous day I had filed additional disputes in which I thought I had my card and requested that the information on that dispute be updated to correctly reflect that I did not in fact have my card on my possession. XX/XX/2020 XXXX XXXX XXXX Food & drink {$23.00} XX/XX/2020 XXXX XXXX Food & drink {$8.00} XX/XX/2020 XXXX XXXX XXXX Food & drink {$30.00} XX/XX/2020 XXXX XXXX XXXX Food & drink {$15.00} XX/XX/2020 XXXX XXXX XXXX XXXX Food & drink {$39.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Personal {$18.00} XX/XX/2020 XXXX XXXXXXXX Food & drink {$13.00} XX/XX/2020 XXXX # XXXX Groceries {$120.00} XX/XX/2020 XXXX XXXX # XXXX Food & drink {$14.00} XX/XX/2020 XXXX XXXX XXXX Gas {$28.00} XX/XX/2020 XXXX XXXX XXXX XXXX Food & drink {$18.00} The agent on the phone told me to not worry, they would file the dispute and get the issue corrected. Within a few days the funds were credited back to my account. I was happy about this as I have had my Chase United Card for 10+ years. I thought this was the end of it. I did receive a new card in the mail ending in XXXX. XX/XX/2020 On this day, I logged in to review my account. I noticed I had a balance on my Chase United Card, which I had not used since I filed the disputes. I was shocked to see a balance of {$330.00}. I immediately called Chase again. After being transferred multiple times, and phone being disconnected multiple times ; I was informed they could not do anything over the phone and that I would have to send an email with my information to XXXX with the updated information. I asked for a phone number to call the Fraud Department, but Customer Service said there was not a phone number to call. I was informed that due to COVID-19, the Fraud Department was no longer taking calls, and the only way to communicate with them was via e-mail. I was disappointed and frustrated that the only way for me to get information was to send my card number over email, rather than being able to do something online via Secure message or Chase.com. I sent an email on XX/XX/2020 as well as a Secure message with the same information. The email I received back from Chase was an automated email ; stating It may take us up to 90 days to review a fraud claim from the day of the charge or when you reported it. If you have questions or do not have access to internet or email, please call the number on the back of your card. You should expect a very long wait. I was appalled that I would have to wait 90 days for a response about transactions that were not authorized by myself. The email also told me to call Chase if I have questions, but Customer Care was informing me to email. I was stuck in a conundrum. I was extremely upset at this point and felt that with the information I provided, and the disputes filed would be resolved. Since it felt like I was getting the runaround and my valid claim being disregarded, I forwarded the same email to the XXXX and filed a XXXX complaint on XX/XX/2020 as well. XX/XX/2020 I received a call back from Chase ( XXXX from the Executive Office XXXX, extension XXXX ). I called back XXXX multiple times and left several messages for him. After a week of not receiving any response calls, I sent an additional notification on Chase.com via secure message with his contact information, asking for him to call me back. XX/XX/2020 Around XXXX XXXX CST, I received a call from XXXX regarding my XXXX Complaint. XXXX informed me that my case was declined because I had stated in my first dispute that I still had the card ( at the time of my first dispute, I thought I had my card ). I asked him if there were notes on my second case filed less than 24 hours later, if it was notated that I no longer had my card. He informed me that it indeed did say this, but because in my first dispute I stated I had my card, Chase went with that information and still declined my case. He said I could re-dispute the case but would need to contact the dispute department. I asked him to stay on the line, as I knew the dispute department would not be handling my case, the Fraud department would. I asked if we could speak to a member of management from the fraud department. After him calling a few different departments, we finally got ahold of someone from the Fraud Department ( not a member of management ). She informed me of the same information that it was declined due to me stating in my first case I had my card. I asked to re-dispute it, and she stated I would need to send an email again to get it re-disputed. I did that while on the phone with them and received the same generic response of waiting 90 days. I asked the Fraud Representative if there was a way to get a rush on it, as I have been with Chase for 10+ years. She said there was not a way, but what I could do was call in each day until someone did look at it. Again, she stated I should call in every single day until someone looks at my case, rather than Chase taking it upon themselves to look at my case. By the end of the call the Fraud representative disputed the transactions again for myself but had to close out the new card that I had just received and is in the process of sending me a new one. As of XX/XX/2020 I have not received the new card. The most frustrating part of this entire experience is once I realized the bar had switched my card with another chase members card, I immediately contacted Chase to inform them of the situation. I attempted to provide them with the cardholder information of the card I had ; however, they refused to accept it. If I were the other customer I would want to know if somebody else had access to my credit card. It is likely the other person did not realize they had my card with my name on it. I hope they contacted the other customer and closed my original card. I also informed Chase that I have multiple accounts with them. They can see that on this Chase United card, I rarely do transactions. Most of my transactions are done on my Chase Sapphire Reserve card. On the same dates that the transactions above posted, I had the following other transactions post on my Chase Sapphire Reserve ( XXXX ) : XX/XX/2020 XXXX Stadium Concession {$50.00} XX/XX/2020 XXXX Fuel {$33.00} XX/XX/2020 XXXX XXXX {$32.00} XX/XX/2020 XXXX {$59.00} XX/XX/2020 XXXX {$23.00} XX/XX/2020 XXXX {$7.00} XX/XX/2020 XXXX {$41.00} XX/XX/2020 XXXX {$120.00} Chase can also review all my Chase accounts that I have had for years, I do not go to XXXX, or XXXX XXXX, XXXX XXXX. I do not even know what XXXX XXXX XXXX XXXX is, and I have never been to XXXX XXXX. These transactions were not authorized by me. I would also like to mention that at no time did I ever receive any paperwork in the mail in regards to my dispute. I did not receive anything stating the transactions had been disputed, or any paperwork stating my claim was approved or declined. I have looked through all my mail, as well as on Chase.com for anything in regards my case, and I have been unsuccessful in locating any of these documents. I am requesting that the funds be put back into my account and my fraud claim be approved, as none of these transactions were authorized by me. It is extremely frustrating that I have spent hours of my time, stress and frustration trying to resolve what should have been a simple and easy process to your customer. In my opinion, with the updated information I provided all claims would have been approved. The customer service through this whole experience has been terrible. It is disappointing and the issue is still unresolved. I can be reached immediately if any additional information is needed. | ||||||
| 09/13/2022 | Yes |
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Web | |
| What follows is a recount of the fraudulent financial scam details written days after it occurred : On XX/XX/XXXX I received a call from a Texas area code ( when XXXX XXXX XXXX DEA office ) from agents from the US Treasury , Social Security Office , DEA regarding criminal charges associated with my social security number in Texas XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX that lead investigators to an address where XXXX kilos of XXXX and evidence of fraudulent credit card accounts created to launder money in my name. They knew my social security number. Over the next seven hours, they continued to speak to me in a governmental manner, transferred me between agents and any time I called back, it was answered by an agent and then I was transferred to the primary contact. He convinced me that my assets associated with my SS # needed to be held somewhere safe while the US government replaces my old SS # ( prevents further criminal activity ) with a new one where my assets can be transferred. The only legal way to execute ( because its illegal for an individual without a SS # to hold more than {$500.00} ) this is to purchase gift cards using my assets ( savings account in cash, available credit ), scratch the numbers off of the back and read the numbers to him, the next morning an agent from the XXXX Social Security office would arrive at home with a cashiers check and a new SS #. I executed this process on XX/XX/XXXX with the entirety of my savings account, {$29000.00} and the following day using available credit totaling {$20000.00}. The agent stayed on the phone with me for hours both days, for my safety and when we got disconnected, they called me or I called them. On XX/XX/XXXX after I had completed the transactions and recited the numbers, the line was disconnected, when I called back, the receptionist at the legitimate XXXX XXXX DEA answered and I knew Id been defrauded. I called the FBI who provided me with a website to make a report to the Social Security office. I called my husband, he told me to go to the police station. I went to the XXXX at XXXX on XXXX and made a report ( XXXX XXXX XXXXXXXX XXXX XXXX ) while the crime was in progress. The agents continued to call me as I waited for an officer to take my statement. Sgt. XXXX answered the phone, yelled and threatened the criminals and demanded the return of my money. The calls stopped which XXXX said was his intended outcome. I gave my recorded statement in the presence of my husband, XXXX. XXXX and XXXX XXXX XXXX once finished I asked to call Chase Card Services as I was concerned about my accounts because the criminals had my social security number. I called the fraud department using the number on the back of one of my credit cards and was transferred to XXXX who reissued my credit cards. Though the criminals didnt have my account numbers, it made me comfortable to receive new cards. I explained the entire fraud scenario to him before he reissued the cards, he said he could see that the charges were still pending because I had executed the ( 3 ) transactions on ( 3 ) separate cards, all with XXXX as the merchant, about 3hrs prior to making the police report. He instructed me that we needed to wait 2-3 days for the transactions to post and then Chase would reverse the charges. I expressed to him my concern that when I called back once the charges posted that I would receive a fraud specialist other than himself. He said he was making notes in my account to document my situation and his instructions to me. He indicated that in criminal cases where a police report has been filed, Chase chooses to remove the customer from the situation by reversing the charges and then they work directly with law enforcement to try to recoup the funds. He said he understood that I think that this is so much money that there is no way Chase will refund it, but we will because you are the victim. He then spoke directly with XXXX. XXXX and provided him with the phone number for law enforcement to communicate with Chase ( XXXX ). On XX/XX/XXXX when the transactions posted to my accounts, I called Chase Card Services in order to follow the steps Id been given. For 90 minutes, I was transferred between the fraud department and the disputes department until I reached a customer service manager in disputes. I repeatedly explained to her the situation, my conversation with their fraud specialist and the steps to follow and expectations he set forth. I was not disputing any policy, I was simply trying to exercise the instructions I had been given. She and other management had reviewed the recorded conversation from XX/XX/XXXX and she apologized that the representative gave me misinformation, but it was now an internal issue. There is no one else for me to talk to, I can not have a copy of the recording because it will be used for internal training purposes. I told her that I do not accept that. I called my trusted financial institution in time of crisis and consumer expectation is that the information they provide is accurate and honored. The next day, I received a letter in regards to each account, alerting me that my dispute had been closed and the charges were valid. What follows is a bulleted timeline of the various actions Ive taken in an effort to receive the restitution promised by Chase as well as their responses. XX/XX/XXXX, XXXX I retain a XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX 1st demand letter from XXXX XXXX is sent to Chase XX/XX/XXXX, XXXX I begin communications with the XXXX XXXX XXXX XXXX specifically a consumer fraud specialist XXXX XXXX, to learn the timing of events, specifically whether there was an opportunity to reverse the credit card charges instead of waiting days for them to post. I also connect XXXX XXXX XXXX ( assigned to my case ) and XXXX XXXX via email introduction to aid in the police investigation XX/XX/XXXX, XXXX XXXX demand letter from XXXX XXXX XXXX sent to an alternate contact at Chase XX/XX/XXXX, XXXX XXXX XXXX provides XXXX response to the 1st demand letter dated XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX informs me of XXXX XXXX XXXX unexpected death XXXX XXXX I notice that the interest on ( 2 ) of my credit cards with fraudulent balances increased from 15 % apr to the maximum 24 % apr. I call Chase Card Services to relay the situation and request that my apr is lowered as I was not delinquent on any payments. The representative denies my request and informs me that the apr rate is applied at the discretion of Chase and she can not offer me options to lower it. XX/XX/XXXX, XXXX I issue a third demand letter, Intent to File pro se and Complaint to the following contacts at Chase via USPS XXXX XXXX XXXX XXXX General Counsel XXXX XXXX XXXX XXXX Vice President, Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XX/XX/XXXX, XXXX I receive a voicemail from XXXX at Chase Card Services in New York informing me that my case is being reviewed. XXXX XXXX I pay the existing balances resulting from the fraudulent charges on each credit card in order to reduce the financial burden of the continuing interest charges. I close ( 2 ) of the ( 3 ) accounts. XX/XX/XXXX, XXXX Legal counsel retained by Chase in XXXX XXXX calls to request an extension in order to catch up on the case ; I decline their request due to the financial hardship of paying off ( 3 ) balances and the desire to move the anticipated legal process along. XX/XX/XXXX, XXXX Legal counsel retained by Chase in XXXX XXXX emails me a document to sign acknowledging that I will not seek damages greater than {$75000.00}. I sign the document in good faith, to avoid court and recoup the funds used to pay down the fraudulent charges and corresponding interest. XX/XX/XXXX, XXXX I file a Complaint and Summons pro se with XXXX XXXX Superior Court . XX/XX/XXXX, XXXX XXXX XXXX Superior Court sends written confirmation the Complaint has been filed and endorsed with case number : XXXX XXXX XXXX XXXX I issue Proof of Summons and Alternative Dispute Resolution packet to the following Chase recipients via USPS but fail to have them officially served by an Agent of Service : XXXX XXXX XXXX General Counsel XXXX XXXX XXXX XXXX Vice President, Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XXXX XXXX XXXX XXXX Assistant General Counsel XX/XX/XXXX, XXXX I submit Case Management Conference requirements to the court via Agent of Service as I am living outside the state of California. XX/XX/XXXX, XXXX I return to the XXXX XXXX Superior Court in person to check the status of my filings, as there is no online record of my filing. My Case Management Conference paperwork was received but not recorded as received. The clerk backdates it to XX/XX/XXXX, but Ive already missed the deadline and the appearance in court is pushed back. I learn that I have failed to have the defendant properly served the Complaint and Summons. XX/XX/XXXX, XXXX I use an Agent of Service to properly serve Chase and submit Proof of Summons with the XXXX XXXX Superior Court . XX/XX/XXXX, XXXX I consult with an attorney regarding the realities of moving forward pro se, and discover that I have exceeded the six month window to properly serve the defendant notice of filing the Complaint and Summonst. I have missed the deadline by a week and will need to refile and start the process from the beginning. XX/XX/XXXX, XXXX I file with the XXXX XXXX Superior Court in person XXXX Request for Dismissal because the cost in both time and money is beyond my capabilities. XX/XX/XXXX, XXXX I file with the XXXX XXXX Superior Court in person XXXX Notice of Entry of Dismissal and Proof of Service XXXX | ||||||
| 07/18/2020 | Yes |
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Web | |
| I am complaining about the unfair treatment I have received from Chase bank, and the extreme degree of negligence and incompetence that has led to this point. Note that I have been a Chase card customer for well over 15 years, with have impeccable credit and payment history. I have had 3 personal cards with Chase prior to this experience, so they know exactly who I am and have made tens of thousands of dollars from me over the years. There was nothing that ever warranted any KYC or AML concerns whatsoever ; however, I am being treated as if they don't know who I am and that I am a criminal who has committed fraud. Currently Chase has {$1400.00} of my money that they have unreasonably seized, and it wasn't until receiving a paper letter in the mail today XX/XX/XXXX ( 6 weeks later ) that I finally know what their concern is even about. To start from the beginning ... On XX/XX/XXXX I opened a business checking and savings account seemingly without any issues in the name of my new business, a freelance consulting practice I established in XXXX. The account was initially funded with {$50.00} from my personal XXXX XXXX account ( via personal debit card ). Chase required this in the account opening process. My account had a {$1500.00} minimum requirement to avoid paying monthly fees, so naturally the first thing I did was set up my personal bank account to transfer money in. I waited through the multi-day verification process and successfully verified my account from the 2 small deposits they placed in my personal account on XX/XX/XXXX & XXXX. Once my personal account was verified, I scheduled a {$1400.00} transfer into the new Chase account. CHASE ALLOWED THIS TRANSFER TO HAPPEN AND THEN IMMEDIATELY FROZE MY MONEY. The money left my XXXX XXXX personal account on XX/XX/XXXX. When I tried to log into my Chase account that day my entire account was FROZEN. I could not even log in. This made no sense. I received NO COMMUNICATION whatsoever from Chase. No phone call. No text. No email. No warning or reasons given. Chase took my money and locked me out of my own account. Why would you allow the transfer in the first place if you were simply going to freeze it? This was the first incident of Chase 's ineffective processes. I was very upset. The night of XX/XX/XXXX I called and sat on the phone with agent # 1 for a half hour, but the agent was unable to figure out why it was frozen nor were they able to give me instructions on how to unfreeze it. This was the second incident of Chase 's ineffective processes. The next day on XX/XX/XXXX I had heard nothing and my account was still frozen. I called Chase again. This time my call lasted 1 hour and 20 minutes. Agent # 2 kept putting me on hold over and over. He then said they needed to 3-way call with my other bank ( XXXX XXXX ) to verify that I was the owner of the account and that the funds were available. This made no sense. I had already completed CHASE 'S verification process prior to scheduling the transfer. This already confirmed that I was the owner of the account. And CHASE ALREADY HAD MY MONEY, so there was zero need to verify that the funds were available. At the end of the call the agent reassured me there was nothing else I had to do. This was the third incident of Chase 's ineffective processes. After this call, I was finally able to log back in and see my account. However, the {$1400.00} that Chase took from me was still being held. I assumed it would clear in a few days and everything would be ok. I did not transact on the account any further. The only thing I did was set the account up to receive consulting payment from one of my clients, as instructed by my accountant. No attempt was made by Chase to contact me directly. Still no explanation of why my money was being held. This was the fourth incident of Chase 's ineffective processes. On the evening of XX/XX/XXXX I received a message from a consulting client that a payment made to me had been returned from my Chase account. I logged into my account to see what was going on. My account was now showing a pending {$1500.00} transaction where Chase had debited all funds out of my account. The balance was now XXXX. This was the fifth incident of Chase 's ineffective processes. I was furious. After all the hours and hassle spent up to this point I could not believe my account issues were still not resolved. I immediately called that evening of XX/XX/XXXX to find out what was happening. Agent # 3 did not know. She said the transaction was in pending status so she couldn't tell me what it was or why it was made. I needed to call back when it was no longer pending. ( how long that would be, I did not know ) This was the sixth incident of Chase 's ineffective processes. I told agent # 3 I wanted to file a formal complaint. She claimed she would file it and that I would receive a callback soon, however she did not ask me for any details in order to fill out any complaint. I did not receive any calls and was not sure if the complaint had been filed. This was the seventh incident of Chase 's ineffective processes. XX/XX/XXXX and still no communication from Chase. I called Chase again. I asked what was going on with my checking account. Agent # 4 said she didn't see a checking account and she didn't have any answers. Then she said yes, she found a closed account and a CHECK BEING MAILED TO ME. But she did not have any other information. ( note : no check was ever mailed to me ) This was the eighth incident of Chase 's ineffective processes. I told Agent # 4 it needed to be escalated immediately. I waited for a callback from a supervisor, which I finally received the next day. Agent # 5, the supervisor, could not explain anything that was happening with my account but seemed apologetic. I asked for the second time for a formal complaint to be filed. This was the ninth incident of Chase 's ineffective processes. I finally received a mailed letter from Chase dated XX/XX/XXXX ( but received about 2 weeks later, after all these calls had taken place ). The letter said that my account was blocked and will close soon. Received AFTER THEY HAD ALREADY CLOSED MY ACCOUNT. This was the tenth incident of Chase 's ineffective processes. Over the next 2 weeks I received 2 separate calls from Agent # 6 and Agent # 7, members of Chase 's executive office that handles complaints. They did not have any information except to tell me the complaint was being reviewed. The still could not explain why my account had closed or why Chase still had my money locked up somewhere. This was the eleventh incident of Chase 's ineffective processes. After those calls I was not contacted again except for a letter I received today, XX/XX/XXXX, explaining to me that my money was still being held by Chase because I need to verify THAT I AM THE OWNER OF MY BUSINESS ( named after me ). And also to inform me that Chase did nothing wrong. It took Chase 6 weeks, several hours on 7 separate phone calls, and a written complaint for Chase to finally inform me that I needed to submit an additional document so that they could check some boxes in their system that I am exactly who I say I am and that sorry not sorry. We did nothing wrong. This was the twelfth and most epic incident of Chase 's ineffective processes. I have worked in banking ( primarily risk management ) for my entire career. I don't say it lightly when I say this situation exposed NEGLIGENCE, RECKLESSNESS, a LACK OF EFFECTIVE CONTROLS, a LACK OF INTERNAL COMMUNICATION CAPABILITIES, POOR INTERNAL TRAINING, POLICIES THAT DON'T USE COMMON SENSE, PROCESSES THAT DON'T ALIGN WITH POLICIES, UNFAIR CUSTOMER TREATMENT, MISINFORMATION GIVEN TO CUSTOMERS, LACK OF EMPATHY OR CONSIDERATION FOR CUSTOMERS, and A COMPLETE AND UTTER LACK OF ACCOUNTABILITY FROM AN INSTITUTION THAT SHOULD BE SETTING THE STANDARD FOR OTHERS. Oh, and on top of it all, Chase has informed me that they reported me to Early Warning Services. So now I have ANOTHER letter I have to write to get that cleared up. In this message alone, I've counted at least TWELVE breakdowns in processes that should not have had even one. The treatment I have received from Chase is completely unwarranted. If they needed an additional document from me, ALL THEY HAD TO DO WAS CALL AND ASK FOR IT. Or send me an email. Or actually inform their front line agents so that when I inevitably call in the agents can do their job and give me the correct information. Instead they sent a secure message to an account I could not access and mailed a letter using a system that took over 2 weeks for the letter to arrive. The number of hours I have spent on phone calls and writing letters trying to resolve this is ridiculous. The number of hours Chase has spent not resolving this is ridiculous. And in the end everybody loses. I don't have a bank account for my new small business. I don't get the 15 hours of my time back that I could have spent with my family or working on my business. Chase has severed what would have been ( and has been thus far ) an extremely lucrative relationship. With not so much as a sincere apology, much less a token of compensation for my wasted time, enormous inconvenience, and stress. Chase has once again demonstrated why everyone in the world dislikes big bureaucratic banks. [ By the way, I have an extremely unique last name. Only a handful of people in the world have it. My business has the same name. There was no indication at any point in time that this was a situation of fraud. And let me say it one more time, I have 3 personal credit cards with Chase, one of which was opened in the early 2000s. A little common sense might have saved even the most ineffective procedures, but you couldn't even apply that. ] Well done, Chase. WELL DONE! | ||||||
| 02/13/2023 | Yes |
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| Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about? PRODUCT OR SERVICE Credit card or prepaid card TYPE General-purpose credit card or charge card Inactive modal Step 2 What type of problem are you having? ISSUE Getting a credit card HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? Yes TYPE OF ISSUE Card opened as result of identity theft or fraud Step 3 What happened? STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that " she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played stupid What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. Card ending in XXXX My name is XXXX XXXX, I had a chase freedom card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX card ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only insulting, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its disgusting to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXXXXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play stupid and lie to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal What would be a fair resolution to this issue? The money returned as XXXX from fraud recovery promised on XX/XX/XXXX from my XXXX checking account to a fraud credit card account ending XXXX. 10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) Step 4 What company is this complaint about? COMPANY INFORMATION CHASE CREDIT CARD CARD NUMBER XXXX Step 5 What people are involved? YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX YOUR DEMOGRAPHIC INFORMATION Age XXXX Household size including total number of adults and children XXXX About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX XXXX, XXXX - XXXX ( except federal holidays ). More than 180 languages available. Privacy Act Statement OMB # XXXX Note on user experience Have a question? Preguntas? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX. to XXXX XXXX. XXXX, XXXX through XXXX ( except federal holidays ). More than 180 languages available. | ||||||
| 07/24/2020 | Yes |
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| I found a boat on XXXX for sale. I spoke with the owner via emails, XXXX, through more than 20 emails. He informed me that the sale would go through the company XXXX XXXX XXXX for the financial transaction. I looked at the company website, proautodepot.com, and everything seemed legit. I spoke with a rep at XXXX XXXX XXXX, who called me back after I left a voice mail. He instructed me on how to complete the transaction. I registered on the website and started the process. I did a title search on the boat and trailer and nothing came out of sorts. I received payment information by email from XXXX XXXX XXXX payment center. I called JP Morgan Chase bank on XX/XX/XXXX and spoke with a representative from the bank concerning the wire transfer and account. I informed the Chase Bank representative of my intention to buy a boat and wire the money to Chase Bank the next day or two. I gave them the bank account number, XXXX, and the Beneficiary Name, XXXX XXXX XXXX XXXX. I said that I was nervous about wiring so much money for a boat that I never saw in person. The agent told me that the account was A XXXX XXXX XXXX I asked what that meant and they stated that the account passed all of the qualifications of Chase Bank as a verified business. I instructed my bank, XXXX, to complete the wire transfer to the Chase bank account, on XX/XX/XXXX, for the amount of {$25.00}, XXXX. I received a conformation Wire Transfer from Chase Bank, with the Beneficiary information clearly stated as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX United States. It also stated that, in the section Originator to Beneficiary section, XXXX XXXX XXXX XXXX. ( nothing to do with real estate, which the bank should also picked up on and Red Flagged ). I could log into the website to check the transaction. The boat was supposed to be in XXXX, NY at a storage facility. I did not travel to see the boat in person. All pictures were online. According to the XXXX XXXX XXXX website and the person, XXXX, I spoke with ; I had a 7 day money back guarantee, after I took possession of the boat. I received through emails, a bill of sale and conformation. I was able to log into the XXXX XXXX XXXX website to see my transaction status for a month after I found out it was a scam. The boat was supposed to be delivered on XX/XX/XXXX by XXXX, but I received an update on the XXXX XXXX XXXX on the transaction page that the truck, transporting the boat, was involved in a minor accident with a car hitting the tire of the truck. I was informed that the truck needed to be fixed and that my boat would arrive on XX/XX/XXXX by XXXX. On XX/XX/XXXX around XXXX XXXX I was informed, via the website transaction status that, XXXX XXXX XXXX wants to inform me that due to the unexpected accident from XXXX XXXX the delivery of the item can not take place. According to the accident report received from their insurance company, the item suffered damages and they are not allowed to deliver the item in such conditions. Consequently, their insurance company has automatically started the refund process for my transaction. '' It also states that the refund process will be initiated to the same bank account where my money came from, and would take from 1 to 3 business days. On XX/XX/XXXX, updated on the transaction status, it states the refund of the funds has been initiated on XXXX, XXXX XXXX, XXXX, and that I should receive it in my account by XX/XX/XXXX XXXX. I, again, contacted JP Morgan Chase Bank, on XX/XX/XXXX, as I was more nervous of the transaction and gave them the bank account number, XXXX, and the Beneficiary Name, XXXX XXXX XXXX XXXX, and told them of what was happening with the boat transaction. They then informed me that the account was NOT ACTIVE. I asked what that meant. They stated that it was on HOLD. I told them that I was worried about a possible scam through their bank with the transaction. I asked about the account to see if anything didnt look right on their end. At this time the agent informed me that the account number was correct but the name on the account did not match the name on the wire transfer. The account name was not XXXX XXXX XXXX XXXX. I asked if they could tell me the name on the account, but they said that SINCE YOU ARE NOT THE ACCOUNT HOLDER, I COULDNT GIVE YOU THE NAME, BUT I COULD TELL YOU THAT THE NAME IS NOT EVEN CLOSE TO XXXX XXXX XXXX XXXX, BUT THE NAME OF A REAL ESTATE TYPE COMPANY. ON XX/XX/XXXX, the transaction status was changed to read that the money would be received into my account by XX/XX/XXXX XXXX. On XX/XX/XXXX, the Transaction status, was changed to " it should reach my account within the next 5 business days ''. I have been in touch with my credit union all along the way. They kept saying that I don't need to start a fraud investigation yet as they are still in correspondence with me and that Chase Bank did not Red Flag the transaction. A member from the fraud department contacted me on XX/XX/XXXX, after I did not receive the money. I gave her all the information. She contacted the Chase Bank and did a return request for the funds, but was informed by the Chase bank that they are no funds in the account and that the account holder started paperwork to close the account. The XXXX fraud department rep then informed me that I need to file a police report to get more information about the case. I then filed reports with the XXXX, FTC, FCC, Internet Crimes Unit IC3 Complaint Referral Form, Chase Global Securities Division on XX/XX/XXXX and spoke with XXXX, and Chase Bank Fraud Department on XX/XX/XXXX. I spoke with XXXX at the Branch Complaint Escalation group, XXXX ext. XXXX, where they assigned my case number XXXX. I did not hear back from them. I again spoke with Chase Global Securities Division on XX/XX/XXXX, with XXXX. XXXX forwarded me to the Corporate Office Complaint Department. At the Complaint department I spoke with XXXX ext XXXX. She assigned me case number XXXX and said that she was taking over my case. On XX/XX/XXXX I spoke with, XXXX, at the Chase Branch in XXXX, NY XXXX. I explained the situation to him. He stated that he spoke with his manager and was instructed to email the Corporate Office the situation. He took down all my information and stated that he emailed the higher ups about it. On XX/XX/XXXX, I spoke with XXXX, the manager at this branch. He stated that the information was sent to people above him and that they needed to handle this case. I also informed Attorney General XXXX XXXX and Representative XXXX XXXX on XX/XX/XXXX about the situation with Chase Bank. I filed a police report at the XXXX precinct in XXXX, with both Detective XXXX and Financial Crimes Officer XXXX. Officer XXXX recently informed me that he filed a subpoena with Chase Bank for the Account Holder Business Name and further information concerning transfer of the money from the account. He said that it sometimes takes a month of so for the bank to respond. I informed XXXX of the scam as well at XXXX XXXX ( the company whom the seller was using a fake email address through ). At this time about 11 people throughout the country have been victims of fraud/scam through this same company, according to the XXXX Scam Alert. I am not sure if all the money was wired to Chase Banks, but would worth looking into it. After speaking with multiple departments in Chase Bank to get my money refunded, they said that the Corporate Office department was taking over my case. The person I was dealing with was XXXX, XXXX, ext XXXX. My case number is XXXX. I explained to her the entire case, sent her my forms, told her about the phone calls to Chase on XX/XX/XXXX and XX/XX/XXXX. I also told her about the fact that according to Commercial Code Sections 11101, Section 11207 ( a ), Misdescription of Beneficiary ; stated that the name, or other identifying information refer to nonexistent or different people, and the bank has any prior knowledge, that the bank is liable, as it is liability of banks receiving money in a wire fraud scheme. After a week of investigating, XXXX called me to state that they are closing my case and they dont believe they are liable. She stated that she had no record of me contacting them on XX/XX/XXXX. I informed her that I have a 19min 48sec phone record to prove that I in fact spoke with a rep on XX/XX/XXXX. She stated that, in fact if I did speak with a rep that they should not have given me confidential information over the phone, regarding another persons account. I said to her that If I didnt speak with the representatives on the given dates how would I have known that it was a XXXX XXXX XXXX on XX/XX/XXXX, and Not Active/On Hold on XX/XX/XXXX. I told her that I was contacting a lawyer. She said that my case can be re-opened at any time. I know that when I called it was stated that the call would be recorded for training purposes. I called from my cell phone and Chase Bank should have a record of the call, somewhere. My phone record shows my call, as proof, which is attached. I have already spoken with lawyer, XXXX XXXX, XXXX XXXX XXXX XXXX, CA concerning the Liability of Banks receiving money in a wire fraud scheme. I also, attained a lawyer from XXXX, XXXX, and XXXX to sue JP Morgan Chase Bank. Besides, contacting more Congressional leaders, I started the process of contacting the media to publicize the extent of this Fraud Scheme throughout the country by organized crime, and the poor handling by JP Morgan Chase bank to protect its consumers and lack of help in rectifying their mistake. I am also in the process of contacting the other 10 victims throughout the country to see in fact if they were all victims of the Fraud Scheme through the use of Chase Bank. | ||||||
| 09/06/2019 | Yes |
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| Chase case number # XXXX Events that cause the bank wire : XX/XX/2019 my daughter XXXX began communication with XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has an ad on XXXX for an apartment. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX number to call and text. XXXX sent a text XXXX a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA. XX/XX/2019 XXXX told XXXX in order to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX md XXXX. I wire the monies to the above account to hold the apartment in XXXX XXXX on XX/XX/2019. I text XXXX XXXX XXXX the copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. On XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. On XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did The apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. On XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. XX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX picture was liked by 3 people who are located in XXXX. I researched XXXX XXXX their agent for service is also XXXX living in Maryland. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. XX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank XXXX. I reported the incident to the FBI. Please help me get the funds back. Complaints about Chase : Case # XXXX Chase XX/XX/2019 I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact Chase their fraud department was closed. XX/XX/2019 I contacted Chase fraud department and they referred me to call the wire department. Their wire department was closed till Monday. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I contacted the wire department XXXX ( XXXX ) XXXX. They said in 24 to 48 hrs they would process the bank wire recall. XX/XX/2019 I contacted the wire department and no update. I informed them that XXXX is going to request a Hold Harmless Letter. The representative informed me that not to worry they will take care of it and its still processing. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I contacted the wire department. A representative told me, Im mama but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After a 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate this to the investigators because XXXX is requesting a Hold Harmless letter. That it doesnt seem like they want to return the money. I informed Chase that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I called Chase wire department to informed them that the account with XXXX is still open and the funds are still in the account. I offered the police report number and they refused. No update on when the investigator will call me. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I had a missed call at XXXX, ( which is outside normal business hours ). I called back the wire department and was transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back. No call back. When I called back I was on hold for 45 minutes and then disconnected. I was hung up on many times when I was trying to follow up with the investigators. I talked to XXXX the account is still active and funds are available for the amount of {$1600.00}. XXXX XXXX XXXX weekend all offices were closed. XX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to Chase bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had screenshots of emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their email. I gave him the wire department number and case number. He said he was really busy and will do it when he can. I return two hours later, he said he email the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. XX/XX/2019 I contacted the wire department and XXXX informed me that they have received my documents. For 4 hours prior to talking to XXXX, I was hung up on by XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that Chase was working on this account. XX/XX/2019 I called for 3 hours. XXXX refused to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four hours of calling I talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to their wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said I had everything except the police report that it takes days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called back for three hours. The representatives kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX who I informed what XXXX told me. XXXX said we will do another recall but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department and said it looks like XXXX doesnt want to give you back your money. I informed everyone the account was still open and the funds are still there. XX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the wire department keeps sending me back to him. He said someone should be calling me by Tuesday.. I called Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the wire department. XXXX said no bank recall was done, in fact only one was done. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. Again the Wire department lied to me. My complaint is that Chase is not doing to due diligence in helping me. Chase wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions is to punish my family and I for being scammed. I am requesting that the FTC investigated the consumer practices of Chase bank. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughter to go to college. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. Chase is destroying lives for people of color. Please help me. Thank you, | ||||||
| 08/02/2023 | Yes |
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| Please see attached documents for a formatted version of this statement that is easier to read. Summary : Last XXXX, an unknown person fraudulently used my husbands drivers license to wire transfer money three times out of our joint personal account. This account is with Chase Bank. The transfers were not flagged and we were not notified of the transfers. Early this year, the person opened a fraudulent business account with Chase, and transferred money out of our legitimate business account. This was flagged as suspicious by the banker who manages our business account. As we were checking through all accounts to see any other instances of fraud, we saw the XX/XX/XXXX activity. We immediately filed a police report, and opened a claim with Chase regarding the wire transfers. The claim was rejected because it was submitted after Chases 30-day timeframe for reporting fraudulent activity. We explained that, due to the lack of communication, we had not even been aware of the fraudulent activity within this 30-day window, but Chase representatives claim that this is not their problem. We have followed up multiple times since then, as it does not seem reasonable that we should have to bear the loss due to Chases lack of communication with us. Key details and dates : XX/XX/XXXX Fraudulent wire transfer of {$50000.00} from our personal savings account with Chase Bank to a fraudulent bank account with XXXX Bank with my husbands name as the account holder. This is not our account and XXXX has already closed this account, but the money has not been recovered. Initiated by XXXX XXXX in XXXX XXXX XXXX Chase in Virginia Wire transfer was approved despite the license being from New York and no evidence that we had ever traveled to Virginia. The signature of the authorization does not match the signature on the license and looks like a random swirl ( See attached document titled Wire Transfer 1 ). This person also does not match the photo on the license, as the photo on the license is of my husband. Email address given for this wire transfer was our email address, but we did not receive an email confirmation of the transaction No notification was sent to my phone, even though I had set up alerts with Chase to receive an alert for any wire transfers over the amount of {$1.00}. Usually, I receive messages about every transaction I complete very promptly, but no message was sent in this case. I verified with a representative on the day we found the fraudulent activity ( XX/XX/XXXX ), and alerts were set up correctly and should have been sent to my cell phone. XX/XX/XXXX Two wire transfers of {$48000.00} and {$42000.00} were authorized to two different accounts at XXXX XXXX Again initiated by XXXX XXXX, the same person who initiated the wire transfer the previous day. The transfers were initiated XXXX minutes apart, but were approved by two separate people. Each of the three transactions had a different approver. Wire transfers were approved despite the signatures not matching the signature from the day before, nor the signature on the drivers license. The signature is just a printed first name and a stylized last name. ( See documents Wire Transfer 2 and Wire Transfer 3 ) Again, the email address given is our email address, but we did not receive any emails regarding the transaction. I also did not receive an alert on my phone for either of these transfers. The transfer for {$42000.00} was rejected by XXXX XXXX due to suspicion of fraud, but the {$48000.00} wire transfer was completed. At that point, {$98000.00} had been stolen from our personal savings account. XX/XX/XXXX The perpetrator opens a business account named XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX from a Chase branch, located at XXXX XXXX and XXXX XXXX, in XXXX, NY. They used the fraudulent drivers license and my husbands social security number. They then linked our preexisting, legitimate business account to this new fraudulent account and transferred {$40000.00} to the new account. They then withdrew {$20000.00} in cash from the fraudulent account. At this point, the Chase Fraud Department flagged this activity and attempted to verify this withdrawal by calling the number on file with our accounts. I answered, but because it was a query about my husbands account, the representative would not disclose any information about the issue. My husband was working ; therefore, he could speak on the phone at that moment. Despite the flag and no authorization from our end, the XXXX branch proceeded with the cash withdrawal anyway, and the person left with {$20000.00} in cash. Later that day, the banker who manages my business account noticed this suspicious activity and called me around XXXX to ask if these actions were legitimate. This was the first indication that our accounts and identity security had been compromised in any way. I confirmed over the phone that all of the actions had been fraudulent. XX/XX/XXXX We went to a branch of Chase in XXXX, NY, to review all of our accounts for other fraudulent activity. This is when we found out about the wire transfers from XX/XX/XXXX. Completed two Identity Theft Declarations with XXXX, one for the fraudulent business account and one for the fraudulent wire transfers. We were told that they would need an official police report to submit the claim ( see documents " Declaration 1 '' and " Declaration 2 '' ) XX/XX/XXXX Filed a police report on the stolen money and other fraudulent activities ( see document " Police Report '' ). We submitted this report to Chase the following day ( XX/XX/XXXX ). XX/XX/XXXX Received letter from Chase about the fraudulent account claim, stating that the account has been closed. No communications about fraudulent wire transfers claim. XX/XX/XXXX Called to inquire about the status of the wire transfer claim, as we had received no notifications or messages from Chase regarding this claim. The representative informed us that the claim had been rejected due to out of time frame issues. The rep told us that we needed to file an escalation form to reopen the claim. XX/XX/XXXX We went to the XXXX branch to file the escalation form. They informed us that the form was no longer used, and so there was no way to file it. Instead, we filed an executive complaint about the issue, and this would initiate reopening the claim. XX/XX/XXXX A representative called me to communicate about the executive complaint. I was not able to answer this call, but called back that day. They did not pick up, so I left a voice message explaining the situation. XX/XX/XXXX Chase sent me a letter stating that they will no longer contact me about the executive complaint, but I had not actually spoken to any representatives at that point. I called the number given on the letter, and after being moved multiple times to different departments, was told that the claim was still rejected, never reopened, and to file the aforementioned escalation form to reopen the case. I told the representative that the form does not exist, but she insisted it did and said that we must file that form in order to reopen the case. We revisited the XXXX branch, was notified that the form still does not exist, and so we filed a new case. We were told to follow up after about a week for results. XX/XX/XXXX Followed up regarding second case submission. The representative informed us that it had been rejected again due to time frame reasons. We were also told on the phone that they had contacted the Virginia branch that had authorized the three wire transfers, and that they claimed it was impossible that such fraud had happened. I asked if they were insinuating that we were lying about the situation, to which the representative said she would take a look and hung up the call. XX/XX/XXXX Called Chase to follow up on the previous call. Spent XXXX hours and XXXX minutes on the phone, but was not given a solid answer as to our next steps. XX/XX/XXXX Filed executive complaint about the rejected case. XX/XX/XXXX Was contacted by a representative regarding the executive complaint and was told that they were investigating my case. XX/XX/XXXX Was contacted by the representative about the case. We were told that we needed to file a third claim, with a full, detailed police report. This was already provided in the first claim. In addition, we needed to provide an FBI case submission confirmation. They also said that they would not be willing to communicate directly with me, but that all further communications would need to be through the person who had filed the claim the second time. This is the last communication we have had with Chase. Summary of Major Concerns : 1. Significant lack of communication a. Automatic wire transfer alert did not work, even though I opted-in b. Unusual activity was not flagged or reported to me c. No email confirmation for any wire transfer d. Did not wait for confirmation before issuing {$20000.00} cash e. No notification of claim rejection 2. Wire transfers should never have been authorized a. Three high dollar values in two days, coming out of a savings account b. Completely out of character I have never wired money out of my savings account c. Out of state ( Virginia ) Did not match drivers license d. Sent to three different accounts in three different states ( XXXX D.C., NY, PA, respectively ) e. All initiated by the same person ; should have been noticed by this banker f. Signatures did not match from XX/XX/XXXX to XX/XX/XXXX g. Major noticeable issues with fraudulent ID i. Photo ID picture did not match person applying for wire transfers ii. Signatures did not match that on ID iii. ID issued in NY, but branch was in VA | ||||||
| 01/16/2021 | Yes |
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| Chase was never reprimanded for fraudulently freezing my assets in XXXX after being a customer for 36 years. They caused me financial harm. Now the stimulous payment was released to the closed CHASE account, and there is no way to get it. There is no one to call to help me. Chase did this because XXXX XXXX, at the XXXX Branch of Chase, could not count, and lost {$9.00}. Her manager, XXXX, lied with her, and the two of them conspired to cause me financial harm. Chase then FROZE MY ACCOUNTS, and then pretended ( I have the video recording ) that the reason was because I was on Unemployment, and they did not believe I was on UNEMPLOYMENT. They FROZE my accounts, and I did not even have the money to take out to get a NEW account. This means any Unemployment Direct Deposits would Bounce. Now the STIMULOUS payment is in the wind. Chase, on the video, as well as in the letters, said they would " mail me '' my money, which was over {$20000.00}. In a pandemic? When Checks are being stolen? Finally, 4 banks later, the XXXX XXXX Chase helped me close my accounts, but I had to travel 90 minutes each way twice to do this. Chase thinks because I finally got my money, that what they did to me is ok. IT IS NOT! They need to be held accountable. Chase needs to be fined. And XXXX XXXX and her manager XXXX need to be fired. They have caused me even MORE financial harm now that the stimulous payment is lost due to their unscrupulous behavior. Help me please. Thank you, XXXX XXXX YOUR COMPLAINT I am adding on to my first complaint : On Tuesday, XXXX XXXX, I visited the Chase Bank at XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX I had a cash deposit of {$290.00} dollars, which was {$130.00} in singles, {$75.00} in 5s, {$2.00} in change, 2 $ XXXX and 4 $ XXXX. XXXX XXXX, the teller, misplaced {$9.00}. When I asked her if she had {$130.00} in singles, she said, " I have {$120.00} '', When I asked her if she had 15 $ XXXX, she said, " I have 14 ... oops ... I forgot, this one didn't go into the machine, there is 15. ". At this point, I asked her where is the money that didn't go into the machine. She said, " I can just give you your money back ''. At that point, if you misplaced {$9.00} you are NOT giving back what I gave you, and you even FORGOT you put a {$5.00} on the side. A tall man who usually helps me came over. I even said, " You always help me, and there are never any issues. He said, " well she MISSPOKE ''. Misspoke? She literally misplaced {$9.00}, and forgot that she put {$5.00} on the side? I said I was going to file a complaint. She said, " My name is XXXX XXXX, 2 Rs and 2 Ls. I have been working here for 30 years ''. So on Friday, I am in NY, and I go to the XXXX location of Chase to make a deposit at the window. I am told to " come inside, as my accounts were RESTRICTED! '' They FROZE MY ACCOUNTS because I complained that the teller in XXXX, NJ miscounted my deposit. They would not even let me WITHDRAW my money. They said they would " mail me a check '' in 7-10 days. It's over {$19000.00} of my money they are holding! After 34 years. I had ACH payments and people direct deposit me, including Unemployment. I now have no way to receive money or pay bills! They did this for no reason other than the teller at the XXXX bank and her manager to get back at me. They are holding {$19000.00} of my money, frozen, for NO REASON! The banker at the XXXX branch said : " Chase has decided to restrict and close your accounts. They don't have to give a reason. They do that from time to time. '' Really? In a pandemic you steal/freeze someone's {$19000.00} so they can not pay bills or receive their unemployment money? At least let me withdraw and go to another bank! They said " they will mail me a check in 7-10 days ''. What if the check gets lost? Or stolen? This is {$19000.00}!!!!!! a ) I need to be able to take the money out in person. Not have it " mailed '' in " 7-10 business days ''. b ) They need to be FINED for both freezing my assets out of retaliation, and causing me financial harm c ) I deserve monetary compensation for stress that they have caused, not being able to pay my bills, or receive money from Unemployment, who did direct deposit into my chase account. d ) These are unscrupulous Chase tellers/managers who basically used their position to hurt a customer, freeze their money, all because XXXX XXXX miscounted my cash deposit, and put a {$5.00} on the side and forgot about it. Chase employees should not be allowed to retaliate against a customer, especially if it was their fault. On Monday, XX/XX/XXXX, I visited the Chase branch at XXXX and XXXX. I have 2 videos of this interaction. A rude man read from his computer : " XXXX XXXX is not to open any accounts at CHASE ever again ''. He rudely allowed me to close out the XXXX Savings, but not checking. On XXXX XX/XX/XXXX, XXXX XXXX XXXX put me on the phone with a woman, XXXX, who rudely stated, " Chase does not have to disclose why we are closing your accounts ''. I was escalated to a 3rd woman who said, " we have frozen your accounts because you receive unemployment, and we are investigating you because of this ''. MANY PEOPLE, including myself, receive UNEMPLOYMENT due to the COVID19 pandemic. They have no right to investigate me for this! Or freeze my accounts. 4 Unemployment payments WOULD HAVE BOUNCED! 2 payments for Bills WOULD HAVE BOUNCED! They have caused me Undue Stress and financial harm! Chase needs to be held accountable for this. I was allowed to clear out my biz savings, and personal savings, leaving CHASE with XXXX frozen of my money until I PROVED I WAS THE ONE receiving Unemployment. I made PDFs from my account to show every transaction that was released to me, and XXXX at XXXX XXXX XXXX XXXX called me on Friday, and told me to hurry down and clear out my account before it closed, which I did. I received a RUDE telephone message from XXXX from the Chase Executive Office, to " address my concerns ''. I then received a RUDE letter yesterday from XXXX XXXX regarding my business account, that said " WE'll STOP CONTACTING YOU ABOUT YOUR RECENT CONCERN. At this point, I deserve FINANCIAL RESTITUTION for : a ) Freezing my accounts ( personal ) over a {$9.00} dispute with 2 tellers who miscounted a deposit in a small business checking account, who used their access to my accounts and personal information to cause me financial harm to my PERSONAL ACCOUNTS. b ) Freezing my accounts ( personal ) so that bill pay would have bounced, and up to 4 payments from Unemployment would have ALSO bounced, had I not happened into the XXXX XXXX on XXXX XXXX, as a letter was not received from Chase rudely telling me their were closing my accounts until XXXX XXXX c ) Allowing XXXX XXXX and XXXX XXXX from the XXXX XXXX to have free reign to go into my personal accounts and information to cause me financial harm, when I was using a small business account that did NOT have my personal account information on it. They have access to EVERYTHING about me. All because XXXX was retaliating against me for mentioning that I would file a complaint after she ADMITTED to misplacing a {$5.00} bill. d ) The rudeness of the man at the XXXX and XXXX XXXX, which I have on video e ) The rudeness of XXXX, which I have on video f ) The conversation about my accounts being restricted because I receive Unemployment, and was being penalized and investigated for this, WHICH I HAVE ON VIDEO. g ) The 4 unnecessary trips to multiple Chase branches to get my money out : XXXX ( 1 hour ) plus the 90 minutes to open a new Checking Account in XXXX XXXX plus tolls, gas ), 1 hour TO the XXXX and XXXX XXXX, 30 minutes n the Branch, and 1 hour home on XX/XX/XXXX, XXXX minutes to XXXX XXXX XXXX on XX/XX/XXXX, and 90 minutes home, plus the 2 hours I spent IN THE BRANCH, and 0 minutes to 45 XXXX XXXX on XX/XX/XXXX, and 90 minutes home. I should be compensated for my time, as well as the undue financial hardship and stress that Chase has caused a customer of 34 years. Over 2 unscrupulous tellers who abused their access to people 's accounts. I am also fearful that XXXX XXXX and XXXX XXXX could use my personal information to harm my credit or try and misuse my infomation to cause other Fraud against me, as they already have delved into my personal accounts when the small deposit was made into a BUSINESS account separate from my personal ones. These 2 individuals need to be punished for their actions as well. The accounts that were FROZEN as penalty were my personal ones. And NO ONE should be told during a pandemic that we are FREEZING YOUR ACCOUNTS, will NOT tell you why, then tell you that we are investigating you because you receive Unemployment, which is not really Chase 's business, and tell me they will " mail me a check '' for {$20000.00} which can be easily lost or stolen. I thank you for your assistance in this matter. Although XXXX XXXX XXXX was able to assist me, Chase as a WHOLE still needs to be reprimanded, fined, and XXXX XXXX and XXXX XXXX of the XXXX XXXX also need to be fired and held accountable for retaliation against a customer for mishandling a cash deposit. They had no right to make up lies, and more importantly, rifle through my personal information and personal accounts to cause me financial harm. Not only that, but " Chase Private Banking '' has cost me money with their fraudulent investments. The " Chase managed account '' was " mismanaged ''. A banker named " XXXX '' sold my XXXX, when I told him NOT TO back in XXXX. It was worth {$5.00} a share and I had 15 shares. XXXX is over {$3300.00} a SHARE now ... I literally TOld him LEAVE IT ALONE and he sold them anyway ... ..Chase owes me alot more than I am asking for. | ||||||
| 01/04/2018 | Yes |
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| Summary of Incident : During a business trip in XXXX XXXX on XX/XX/XXXX my entire wallet with two Chase debit cards, two Chase credit cards, my California drivers license, two cellular phones ( work and personal ), and my checkbook were stolen. When I realized that my items had been stolen, I used a computer to check Chase online and discovered that there were numerous fraudulent charges on my accounts. I contacted Chase and alerted them to the fraudulent charges within hours of the time that the charges occurred. Upon checking my e-mail, I discovered that Chase had sent me six e-mails related to attempted fraudulent activity on my accounts in the early morning of XX/XX/XXXX. These attempted charges had been recognized by Chases system as potential fraud and were denied. However, I was unable to receive these e-mails or any other Chase alerts ( e.g., text messages ) due to both of my cellular phones being stolen. Among the e-mails notifying me about the suspicious activity on my accounts, one was sent on XX/XX/XXXX at XXXX XXXX alerting me to a declined transaction at XXXX in the amount of {$4200.00}, and another e-mail was sent on XX/XX/XXXX at XXXX XXXX alerting me to a declined transaction at XXXX in the amount of {$1000.00}. While Chases fraud prevention system correctly recognized and declined attempted fraudulent charges at XXXX on two of my accounts, three unauthorized transactions were approved on my other checking account. The three consecutive charges occurred on the morning of XX/XX/XXXX at XXXX in the amounts of {$4800.00}, {$5000.00}, and {$7000.00}. I did not make or in any way authorize these transactions. After alerting Chase to the fraudulent charges via phone and putting holds on all my Chase accounts, I went to the XXXX XXXX XXXX Police Department to file a report about the theft of my property and the unauthorized transactions on my Chase accounts. On XX/XX/XXXX, my wife and I closed all of our Chase checking and savings accounts and opened up new ones to guard against further fraud. When opening our new accounts, I also filled out and signed a Customer Questionnaire with answers to Chases questions about the fraudulent XXXX charges. Upon filing claims with Chases fraud department on XX/XX/XXXX and XX/XX/XXXX, I received correspondence letting me know that temporary credits were applied to my compromised accounts for the disputed charges. Since that time, I received numerous letters from Chase letting me know that it researched claims that I had submitted for unauthorized credit card and debit card transactions at various businesses and ATMs, and Chase agreed they were fraudulent. The letters also indicated that the temporary credits placed on my accounts for these charges were now permanent. While the majority of the fraud claims I submitted to Chase were rightfully honored, I received a letter from Chase on XX/XX/XXXX, dated XX/XX/XXXX, alerting me that Chase will be removing the temporary credit on my account totaling {$16000.00} on XX/XX/XXXX. I immediately called Chases fraud department and asked why my claim was being denied. The woman I spoke with said that the review was final and that there is nothing further I can do about it. I asked her to send me written documentation of the reason my claim was denied, and she said that she was unable to provide me with this information. After a long conversation, she spoke with her boss and agreed to send the documentation via U.S. mail. She also said that I could call again during regular business hours and request to speak to a senior analyst for further information. It is unconscionable that Chase would deny my claim for fraudulent charges in the amount of {$16000.00} for a variety of reasons : 1. Chases system detected and denied multiple fraudulent transactions on my other accounts at the same business where these fraudulent transactions occurred. 2. I have a police report documenting the theft of my credit cards, debit cards, identification, cellular phones, and checkbook. 3. Chase rightfully corrected the other unauthorized charges on my other accounts, corroborating that theft and fraud occurred. 4. The Electronic Fund Transfer Act limits my maximum liability to {$50.00} since I reported the theft of my debit card to Chase within hours of the fraudulent transactions. Further Actions : XX/XX/XXXX, Approx XXXX : I called Chase Customer Claims Department in the afternoon and asked to speak to a senior analyst. I was told that before I could speak to a senior analyst I needed to go into a Chase Branch to have my identity verified. XXXX XXXX, XXXX, Approx XXXX : I went into a XXXX Branch at XXXX XXXX XXXX XXXX XXXX XXXX and explained what had happened to a banker. The banker and I called the customer claims department and provided additional information about my claim, mainly that both of my cellular phones had been stolen along with my wallet/debit cards/credit cards. We spoke with an analyst named XXXX ( she declined to provide me with her last name ). XXXX said that the claim could be resubmitted if I provide additional documentation. XX/XX/XXXX : I faxed a letter to the Chase Customer Claims Department with the information provided above in the incident summary, along with supporting attachments ( e.g., e-mails of attempted fraud on my other accounts at XXXX, police report, correspondence from Chase about temporary credits being placed on my accounts, examples of correspondence from Chase communicating that temporary charges placed on my accounts for other fraudulent transactions were now permanent, and correspondence from Chase indicating that the temporary credit in the amount of {$16000.00} placed on my checking account would be removed on XX/XX/XXXX ). I also sent the letter to the Chase Customer Claims Department via certified mail. XX/XX/XXXX : I called Chases executive office and explained the trouble I was having with the Chase Customer Claims Department. The executive office opened a new case to review the I issues I was having. I e-mailed the same letter that I sent to the Chase Customer Claims Department to the executive office e-mail address that the woman I spoke with provided ( executive.office@chase.com ). XX/XX/XXXX : I received a letter from Chase, dated XX/XX/XXXX, letting me know that my claim was denied for the following reason : Inconsistent information from customer ;, Travel suspension was placed on account prior to unauthorized activity. Large dollar deposit ( prior to purchase ) outside of normal pattern. I did not place a travel suspension on my account prior to the unauthorized activity. I also did not make a large dollar deposit to my checking account prior to the unauthorized activity. There was money transferred from my savings account to my checking account, but I did not authorize this transfer and suspect that it could have been for overdraft protection. XX/XX/XXXX : Chase reversed the temporary credit of {$16000.00} that had been placed on my checking account. XX/XX/XXXX : I received a voicemail from the Chase executive office asking me to give them a call. I called the number back and spoke with a woman named XXXX. XXXX told me that Chase further investigated my claim and that they would not be reversing the fraudulent charges of {$16000.00}. She told me that there was nothing further I could do and that elevating a concern to the executive office is the highest level of review. She said the claim was denied because the cellular device used to access my Chase account before the fraudulent charges occurred is still being used to access my account. I told her that is impossible because both of my cellular phones were stolen, I replaced both of the phones, and I changed my Chase online account password onXX/XX/XXXX hours after the fraudulent charges occurred. I asked her to provide evidence that the same device used to access my online account before the fraud is still being used to access my online account, and she said that Chase is unable to provide this information to me. I then asked her to provide a written description of the reason for denying my claim, which she also said Chase would be unable to provide. After suspending the service on both of my cell phones on the date that the {$16000.00} in fraudulent transactions occurred ( XX/XX/XXXX ), I replaced both of my phones. I received numerous text messages on each of my phones on XX/XX/XXXX that appeared to come from XXXX, but were actually phishing messages attempting to get my XXXX ID and password. The messages seemed suspicious so I searched online for similar wording and found a discussion about similar phishing attempts on Apples website here : https : XXXX. I ignored the messages, as they were clearly phishing attempts. However, I have attached screenshots of the messages to this complaint as further evidence that my cellular phones were stolen and can not be used to access my Chase online account. Attachments : - Signed Customer Questionnaire for Fraudulent XXXX Charges - Chase E-mail regarding temporary credit being placed on my account - Letter from Chase stating that the temporary credit placed on my account would be removed - Letter sent to Chase on XX/XX/XXXX including the attachments - Certified mail receipt confirming delivery of letter to XXXX - Letter from Chase Customer Claims Department with reason for denying claim - XX/XX/XXXX checking account statement showing reversal of temporary credit - Work e-mail thread related to replacing work cell phone - Suspension of personal cell phone service and cell phone replacement claim - Phishing text messages received on replaced personal and work cell phones | ||||||
| 04/11/2023 | Yes |
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| I received a call from CHASE customer service to verify a transaction on my account as it looked like fraud, it was a transaction for approx {$71.00} from a XXXX in New Mexico. I told them no that is not me, I havent been to New Mexico. They asked if I had been out of the country and I told them no, I was in the hospital at the very moment and had been for a week. They told me they would ut a claim in for fraud and then said there was a {$28000.00} wire being made from my account- I had NEVER even set up wire access on my account and told them that. Told them to stop it. They said in order to do that they would have to transfer it out and that I would see it come right back in and it did. They then said they were attempting another transaction in the amount of {$27000.00} that they would have to do the same thing. I told them to stop it and that I was being taken for a procedure that I had to go. He told me he would stop it and call me back at XXXX and if I didnt hear from him by then he would call me by XXXX that next morning. XXXX came and no call, XXXX XXXX came and no call. I called the number he called me on it went to Chase Customer Service, I told them what happened and that they got to my Non Profit account too. They said they would file a claim and walked me the how to Recall the wires, I did it immediately on XX/XX/24. I got out of the hospital that Saturday and went the branch in person on Monday and my banker called to check on the claim and the recall. They had no record of it, so he filed them again and we recalled them again. I have been fighting with them since. I lost {$27000.00} in my business account and {$19000.00} in another account that is a Non Profit that I am the President of. Chase is saying I benefitted and authorized these wire which I did not. ( Letter received yesterday for the non profit, have not received one for XXXX XXXX but was verbally told the claim was denied. I even received a call from XXXX XXXX, the bank the funds were being wired to to verify them I stopped them as well. I was told I would have resolution by today and still have nothing, in fact I received another message in my secure message box from the wire department ( which is the only way to reach them ) saying they needed a Letter of Indemnity, we heard this on Monday when I went to the branch. - no one can tell us what this is and XXXX XXXX confirmed they were not requesting it. The branch manager also spoke to people at Chase and XXXX XXXX confirming this. I still have no answers except that its a scam and I am unlikely to get the funds returned to me. I just dont understand how they can do this. Chase always sends you a text message to verify it is you. They did that, they called from the CHASE number, I did nothing wrong. When I realized Chase wasnt going to help me, I decided to XXXX it and saw your stories. Im praying you can help me as I dont have ANY money and have to answer to the Nationals parent company of the Non profit as well. This is customers money that they gave me to do work for them, this is also members money for sponsorships and event registration. Im suffering trying to make ends meet, taking care of my mother and mother in law and dont have a XXXX to my name and Chase isnt helping me. I have the phone numbers of the representative, XXXX at XXXX XXXX ( XXXX ) that confirmed she was able to stop them, and that the persons account that they went to tried to get a cashiers check from the teller that next day but she froze the account. XXXX also confirmed she had no idea what a letter of indemnity was and my branch manager was provided their wire department phone number to contact them. After almost an hour he reached them and they had no idea what it was and says there was no request for this. This is now 2 weeks of me providing any info I can to the bank to resolve the issue. Just this afternoon I sent this email in hopes of response : I am a client at the XXXX, Florida branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I am writing to bring to your attention a recent incident of wire fraud that has occurred with my business accounts. As a valued customer of your bank, I believe it is important to inform you of this issue and seek your assistance in resolving it since I have followed all the processes I was advised by your fraud, claims and branch employees and it has been over 2 weeks since the incident has occurred. I was told to wait until this past Friday to have resolution and I still do not have the money back in the accounts. One of the affected accounts is a non-profit account for a national association, which makes this matter even more concerning. The fraudulent activity has caused significant financial losses for the organization, and we are deeply troubled by the breach of security that has occurred. I would like to bring to your attention that a representative from Chase Bank called to verify the wires, her name was XXXX XXXX XXXX ) and the receiving bank, XXXX, XXXX XXXX ( XXXX ) also called to verify the wires. On both occasions, I denied the wires and instructed them to stop them telling them they were fraudulent. Despite this, the wires were still processed, and the fraudulent activity continued. I am deeply concerned about the security measures that are in place to protect my business accounts and those of other customers. I urge you to take immediate action to investigate this matter and put in place stronger security measures to prevent such incidents from happening again in the future. It is clear this is and has been happening throughout the US to thousands of your clients and Chase is not protecting them. Additionally, I was informed by the customer service representative that there is no way to talk to the wire department directly, and that all communication must be done through secure messaging. This has made the process even more frustrating and time-consuming. Furthermore, I was asked to provide a Hold Harmless ( Letter of Indemnity ), but neither the branch manager at Chase nor XXXX XXXX could explain what this document is or why it is necessary. Despite my best efforts to obtain this document, I was told by XXXX at Chase, that Chase no longer provides LOIs anymore and that Chase does it automatically for their clients. The secure messages I received from Chase continued to tell me that XXXX XXXX is requesting this LOI document. The branch XXXX at Chase spoke to XXXX XXXX and confirmed they do not need it and have not requested it, nor do they have a copy of one. The secure message said if I needed a template of one to provide my email address to them and when I provided my email address, I was informed that they could not send it to a personal email. This entire experience has been incredibly frustrating and has left me feeling unsupported by Chase. I believe it is your responsibility to ensure that your customers are protected from such actions, and I trust that you will take the necessary steps to rectify this situation. Why did Chase not block these wires from happening after I had told both Chase and XXXX XXXX it was fraud? How did Chase not catch that the wires had my home address on them, yet they went to an account in Texas? How can both Chase and XXXX XXXX call me to verify the wires and I tell them NO, but yet they still went through? How can I receive a letter from Chase for one bank account and nothing regarding the other but to tell me that I authorized and benefitted '' from the money being stolen from me. Its all the money that I have.. gone and I benefitted from all this? Why is there no record of me recalling the wires on the XXXX and filing a claim when customer service looks it up ( I have copies in my secure messages that I did this ), but there is on the XXXX when I went into the branch had to process them again? I have lost business, customers, I can not care for my family and fulfill orders for my customers, not to mention all the time. Ive lost everything, not benefitted. Chase has no proof of me authorizing, nor benefitting from the wires being sent, please return the money. I have provided Chase with proof that I did not authorize it, the location of the monies and who to speak to about it at XXXX XXXX. XXXX from XXXX XXXX went as far as to tell me that the man that did the wires came in her branch the next morning to get a Cashiers Check and they stopped the transaction and froze the account. THIS WAS WEEKS AGO. This situation has caused me an immense amount of stress and anxiety, not to mention the financial burden it has placed on me. I am a loyal customer of Chase and I have always trusted this bank to protect my assets. However, this incident has shattered that trust and I am left feeling helpless and unsupported by the institution that I have entrusted with my money. I implore Chase to take immediate action to rectify this situation. I also urge Chase to take a closer look at their security measures and to implement stronger protocols to prevent this type of fraud from happening to other customers in the future. As a small business owner, this investment is significant for me and my family. Additionally, I am the primary caregiver for my elderly mother and mother-in-law who suffers from XXXX. This investment is not only important for my business but also for the care and well-being of my loved ones. The funds invested represent all the money that we had available, and we are counting on this investment to help secure our future. I appreciate your attention to this matter and I hope that we can come to a resolution soon. Thank you for your time and consideration. | ||||||
| 07/30/2021 | Yes |
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| To Whom it May Concern, I am writing this letter to file a consumer complaint with Chase Bank, whom which I have held my personal accounts with over the last 10+ years. Below you will find a full breakdown and timeline of what has occurred in which I am writing this complaint. On XX/XX/2021 after attending a baseball game ( approx. XXXX ) on a trip that I was on with my girlfriend visiting her hometown of XXXX, we made one stop briefly at XXXX XXXX XXXX and soon taken a ride after to a XXXX and then walked back to our hotel for the night ( XXXX ). We had to wake up early the next morning, the last day on our trip to visit her hometown. Upon waking that next morning at approx. XXXX CST, I noticed that my Chase Debit Card was missing from my wallet. I immediately checked my account to see where the last place that had rendered a debit was to be able to know where to call once they opened and relocate the card. At that time, I had realized that my information had been compromised and my account had a deficit of {$3900.00} from ATM Withdraws that I did not make, from two locations I did not visit within the city limits of XXXX. My immediate action was to report the card as lost with Chase after contacting their Debit Card Customer Service Line from my Hotel room, which I was advised to do until their Fraud Prevention Services opened at XXXX EST. I immediately called the Fraud Prevention Department once they had opened to start a claim with them. The claim number associated with this case is XXXX. I then confirmed the locations and transactions that are below stated : ATM Transaction One : Total - {$2000.00} Date XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX Time and Amounts Taken : {$800.00} ( XXXX CST ) / {$800.00} ( XXXX CST ) / {$400.00} ( XXXX CST ) ATM Transaction Two : Total - {$1900.00} Date XX/XX/2021 Location XXXX XXXX XXXX XXXX XXXX, IL XXXX Time and Amounts Taken : {$800.00} ( XXXX CST ) / {$800.00} ( XXXX CST ) / {$300.00} ( XXXX CST ) Chase then opened the claim and told me that they would investigate further, my account would be refunded within 24 hours in good faith, and I would be contacted should they need any further information. None of this occurred. I had to call three times over the following week and a half before the money was credited into my account, being told the same information over and over. On XX/XX/2021, over ten days since the fraud activity had passed, I received a letter stating I would be credited the money. ( Letter attached in email ) Once the money was credited, the following day XX/XX/2021, I received another letter from Chase stating that the money I had just been credited in good faith 10 days later was now going to be taken out of my account because the transactions had been processed correctly or was authorized. ( Letter attached in email ) My recourse was to again call into Chase in which I had argued that I previously had a {$500.00} dollar limit for this specific reason on this card and that I felt this case was being treated unfairly. The reasons for denial were for no invalid PIN attempts. I was repeatedly asked throughout the process if I had ever given out my PIN or it was written in my card, something I denied and I have never personally done. My main concern after this denial was how could my daily limit have even been overdrawn in this case and I was informed of the following. On XX/XX/2021 a person had called into Chase with my Debit Card to request an overage in my current daily limit. They were asked to verify three items : 1. The card number If someone had it in their possession this is easily addressed. 2. The CVV Code on the back agai n, if they had my card, they could do this. 3. A transaction that had occurred within a recent three-day time frame. That transaction I was told was the city of XXXX XXXX XXXX XXXX from which I used to travel from XXXX to Downtown. A third time, if someone has my card in the City of XXXX, these are all three easy yes answers. Any time I have called any other bank, they claim to use voice recognition and or ask my social, a security question about my demographics, and or personal information that only I would know. My immediate reply was to ask them to pull that call as it would show regarding the claim that the voice, number matching the record, and request was simply not me. They declined to do so several times. This leads me to believe that my security within Chase and or identity was entirely comprisable and that I was not being treated fairly within the due process. I was then advised that until there is some type documentation, specifically a police report filed and present to investigate further that my claim could not be overturned. I was then told over a recorded line on with Chase that if I obtained a police report that they could investigate pulling the call and or ATM footage from the two locations, but without this the claim would remain closed. My immediate course of action was to then file a police report with the City of XXXX Report ID XXXX. ( attached in email ) I received the physical copy of the police report and sent it to Chase via fax on XX/XX/2021 with a valid police department phone number and claim ID stated to re-open the case. I was told again in calling in that it would be received and updated within 24 hours and the claim would be once again reviewed for further supporting evidence. Again, on XX/XX/2021 I received another letter advising me that the report was again processed and denied as transactions had been authorized and processed correctly ( Letter attached in email ). My next step again in this process was to call and escalate the call immediately to a Supervisor within the department as no one on the front line seemed to have the story straight and I wanted to speak at a higher level. I had been transferred to a rep by the name of XXXX whom I had been on the phone with for about 30 min plus addressing the past notes. She, out of all the people I spoke to seemed to be the best versed in being able to assist. She stated she could see where the fault was on Chase for the improper guidance and would task a Manager within the department to further investigate and reach out to me. Her indication for this second denial was that a police report is basically improper reasoning to adjudicate the claim and that I had been misguided several times per the notes on their end. Also, that my previous account activity of inflows and outflows deemed the withdraws as certified. I had told her prior to the trip that I had deposited a check that was approx. XXXX dollars or so on an oil fund that I had sold, however, that doesnt allow the justification of the withdrawals and now nor have I ever taken {$2000.00} out of an ATM in my banking history. In my opinion, the second denial other than the PIN attempts was a complete fallacy. Again, I was left feeling misguided, breeched, and left without my primary bank on my side. During XXXX XXXX I was in very spotty cell service, which I had indicated on the call prior with XXXX. I was in a complete zone with no service and was unable to connect with the two managers but had called back each time I got a voicemail to try and follow up. Both times I was unable to get someone on the line at that level. Again, I escalated the call to see if they could reach back out to me once more to assist and see what the next steps were. No manager was available at that time and I requested call backs. This time I received zero from Chase. I allowed a few days for this to transpire and then I called one last time yesterday to reply before writing this as this clearly has taken way to long throughout the process and I dont feel honored or protected as their consumer with this fraudulent activity or how this claim was processed and handled. Yesterday before I could reach a manager, I was told that the supervisor was the highest level I could speak with, there was and would be no further investigate the ATM footage or previous call on XX/XX/XXXX that I was claiming was not me to increase my limit, and that nothing could be done Chase related to solve my problems. Not once did they ever investigate that phone call, they told me about in dealing with the card overages. Not once did they care to investigate the ATM footages that they said theyd have access to with a police report. Not once did the story seem to match up between all the inbound call reps, which had misled me into reopening a case just to have it reviewed with a report and denied. Not once, in my 10+ year relationship with Chase did I report something of this magnitude, and the one time it has happened, I feel lost without a solution on something I did not do. And all through this, my story remained consistent. I would like to file a formal case against Chase for the sum of the total transactions that I did not make that of {$3900.00} with the Attorney General of the State of Florida Citizens Services Bureau. I feel that my facts, along with the documentation to support this given the timeline of events is consistent and should result in an easy overturn. I would also like the video footage of both ATMs on the date and time of the crimes as well as the call pulled from the inbound person that attempted to be me and thus adjusted my card limit. Both of those things combined will show who did this which is someone that was not me. Please let me know the best course of action moving forward once you have had a chance to review this document and supporting documents attached. Thank you, XXXX XXXX XXXX | ||||||
| 05/21/2020 | Yes |
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| On XX/XX/2020 I had an schedule appointment at chase I met Mr XXXX I informed Mr XXXX that I have two businesses XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Mr XXXX ran a tax identification check of both of my businesses I provided mr XXXX with two forms of identification and my articles of organization I informed mr XXXX that I wanted to complete my online application for both of my businesses XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Mr XXXX mentioned that he would need to cancel the extra account He setup XXXX XXXX XXXX XXXX and completed the process and linked all of my accounts Mr XXXX mentioned that he would make a phone call and make sure it was done Mr XXXX did not inform if I needed to send money to my businesses account Mr XXXX informed me my business cards will be mailed On the same day I decided to go to XXXX and my debit card was denied. I called chase and the representative mentioned that I should give my card one to two days to work I informed the representative of charges equaling XXXX dollars for opening a new account I didnt see the funds in my XXXX XXXX XXXX XXXX business account She informed me that I needed to wait two days so it can clear On XX/XX/XXXX my debit card at a local was declined at XXXX store Chase informed me that my card was closed without reason I went to a local branch and they told me that my account was closed without reason and they told me to call the customer service number I called to dispute why my account was closed and had to wait for a long time to get someone on the line When I finally was able to talk to someone I spoke to XXXX in the claims department and I informed her how it affected me during this pandemic that my account was closed and that I needed groceries and she told me that they were closing my account due to three claims which two of them cleared but one didnt The claims that she mentioned were XXXX XXXX for XXXX XXXX XXXX XXXX the one that did not clear was for XXXX XXXX for XXXX She later mentioned that I had a total of 18 claims within the pass year I informed her that I never received notification regarding these 18 claims She told me that I could contact the recovery department at XXXX and the I could find the email online and she did not provide it to me XXXX informed me that they will notify me in the mail of what happened, but she could not provide a time frame and she also told me that I would receive a physical check before or on XXXX XXXX because the last claim needed to be cleared I told her that I had been a client of theirs for two years and I told her that this has never happened to me and I asked if this would affect my business accounts. She told me that it will not affect my business accounts with Chase and also told me that I could not transfer the money to any other account and that I needed to contact all of the places I pay my bills at to inform them of the changes. I told her that I had paid bills on that day, and she told me that they may be automatically withdrawn but that they did not know at this point. I asked her to provide me the final funds in my account she told me that in my first checking account ending in XXXX that there was XXXX and in my 2nd checking account ending in XXXX she confirmed XXXX I asked her for some type of written notice telling me that I could not transfer funds and she told me that all that information would be sent in the mail but could not provide me a timeframe of when that would happen After speaking to XXXX and called the account recovery department at XXXX and they informed me that I was able to transfer funds and that decision was made by back office and I asked them if I was going to be able to log in to my account to transfer the funds and they told me Yes I logged into my account and at the direction provided by them I proceeded to transfer those funds into my other accounts I called Chase again just to make sure that I could transfer the funds to an external account and they told me that I could wired transfer up to XXXX dollars to an external account I successfully was able to do the wire transfer and set it up to be transferred to XXXX XXXX On XX/XX/2020 I received two emails from Chase confirming that they canceled my wire transfer request as a part of a security review The emails sent for the cancellations were for the checking account ending in XXXX with the transaction number of XXXX and for the checking account ending in XXXX with the transaction number of XXXX When I tried to log back into my account it gave me a notification stating that they locked my account to protect it from suspicious activity The message had also directed me to call a phone number they provided, and they also told me that I could reach out to my servicing team in that message The message also states For all XXXX for Business call XXXX and then the message provided other numbers not related to me but when I log in to my business account I am able to see my business account and my personal accounts This is where I am at I only have access to view my personal accounts by logging into my business account On XX/XX/2020 I contacted XXXX for Business call XXXX The representative mentioned that my personal checking accounts was restricted and that I needed to waited approximately 10 days to for the accounts to close and a determination will be made regarding returning my funds I asked the representative why was this happening I explained to the representative that I needed access to my funds during this pandemic in order to pay my rent to prevent from being homeless and to feed my family grocery The representative mentioned that there it is nothing that she could do and that chase bank can make decisions to close an account which can be chase bank discretion The representative did not confirm when I will receive my funds On the same day I contacted the corporate office of chase bank The representative informed me that my account was restricted and there is not that he can do due to the back office has made the final decision I explained that this has affected my family during the pandemic and being denied to buy grocery The representative mentioned that there was nothing that he could do The representative informed me that although the account was restricted I had 10 days before the account closed to retrieve my funds from a local branch The representative mentioned that I need to ask for a branch manager to lift the restriction and to provide two forms of identification The representative mentioned that he couldnt see why my account was restricted and the branch will be able to assist Later on the same day I went to the chase branch located at XXXX XXXX XXXX XXXX XXXX XXXX I asked for a branch Manager to lift the restriction I meet with the manager at a teller window and he confirmed that he received an email regarding the restriction on my account and a question of funds being refunded The branch manager informed me to speak with Mr XXXX XXXX XXXX took my two forms of identification and reviewed my account Mr XXXX informed me that my account was restricted due to wire transfers on the account I informed mr. XXXX that I did the wire transfer due to the amount I wanted to transfer I informed mr XXXX that a chase bank representative informed me via telephone that I was allowed to wire money up to XXXX externally and able to quick pay money up XXXX Mr XXXX suggested that I should have made a transfer from account to account because it looks suspicious I informed Mr XXXX that I wanted to transfer my funds to my business accounts at XXXX XXXX I mentioned that I didnt know that I couldnt send money through a wire to an external account Again Mr XXXX mentioned it looks suspicious MrXXXX proceeded to ask me where did I get the funds that were deposited on XX/XX/2020 I informed Mr XXXX that I received XXXX from the small business administration XXXX company for the paycheck protection program Mr XXXXj proceeded to ask why I didnt deposit the SBA funds into my business account I showed Mr XXXX documentation confirming when my business account was created on XXXX XXXX I confirmed with Mr XXXX my SBA application was submitted with XXXX company and I was informed to use any account I wanted due to not having a business account at the time I confirmed the amount I was approved for was XXXX from XXXX and the SBA Mr XXXX mentioned that this was suspicious due to it being deposited into XXXX checking account Mr XXXX confirmed bank checking accounts Mr XXXX mentioned that he would email the back office to confirm the nexts steps I informed Mr XXXX that this was confusing and this has caused agony to my family and paying my employee during the pandemic I explained to mr XXXX that I have been a customer for over 10 years and this has never happened Mr XXXX explained that he will contact me Once I left the branch I spoke with a representative via telephone and he mentioned that my checking account XXXX has been retrieved but my XXXX account has been restricted and will be closed in 10 days The representative mentioned that my funds will be mailed within 7 to 10 business days I called the chase customer service to inform them that I have been charged for opening an account on XXXX XXXX and the funds have not been transferred to my business account I informed that representative that I didnt know where the funds went The representative mentioned that a branch employee Mr XXXX XXXX XXXX placed notes in the account stating she doesnt have any fund and she will need to get funds elsewhere | ||||||
| 04/25/2022 | Yes |
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| JP Morgan Chase has become too big for its britches. DO NOT BANK THERE. This institution which calls itself a " Bank '' shut down my Checking account because they assumed I had been hacked when I wasn't, ( and according to my local police department - also. ) YET, I HAD TO PAY THE PRICE FOR THAT WITH NO APOLOGY FROM CHASE. Do any of you KNOW what its like to have to re-open a new Checking account? Then, they shut my accounts down completely and STILL haven't paid me my balance in full. I had been a customer for over 3 decades. How STUPID is this Chase Bank? Having to recover from having a Checking Account shut down is like committing to an alternate full-time job for weeks, also! The Bank then stated that there was an investigation going on. OOOoooo! They NEVER followed up with me, " the Client '', regarding the result of said investigation and ran me through the mud, bouncing me from department to department every time I called THEM to find out what was going on with my account ( s ). They decided to issue me a NEW Checking account ( they charged me for new checks!! LOL!! Can you imagine?? Late fees, etc. etc. Got Chase? Got fees. Period. ) A good deal of their employees are either incompetent or outright nasty - especially if you are unknowingly forced to contend with the Fraud & Loss Prevention Department as I was. But WHY? Chase doesn't want to answer that. And LET 'S JUST SAY Chase 's Customer Service is NOT what it used to be. But it gets even better. After I had recovered XXXX XXXX XXXX, basically, from the FIRST Checking account shut-down.. JP Morgan Chase shuts down ANOTHER one of my Checking Accounts. I was at my local store and suddenly, with NO advanced notice or EXPLANATION as to WHY ... my Chase debit card wasn't working so I tried my Chase Amazon Visa - that wasn't working either. And there were at LEAST 12 people standing around me. It was awful. Luckily I had cash. The AUDACITY to close ANOTHER Checking Account of mine!! Again, without explanation!! I was FORCED to go through the process of opening a new account AGAIN!! And THEN to say that " Our relationship is over '' In other words, that they, " Chase '' no longer want me as a client? And " Ohh, we are ALLOWED to say that due to the terms and conditions of our contract! '' ( XXXX XXXX XXXX ) I must have made a hundred calls at this point. My time? I'll never get it back. Absolutely wasted. I made a complaint against an Employee who happens to be XXXX. She NEVER does any work. It's always an alternate employee who now works in XXXX XXXX. Anyway, she was the ONLY GOOD THING about the Bank.. SO going forward, I was receiving ALL SORTS of conflicting information from Chase 's incompetent employees about whether or not I COULD bank again with Chase suddenly. You know, after my complaint with XXXX XXXX Branch Manager. I even question THE REASON WHY now they ousted me in the first place. I was forced to walk into her Branch ( another miscommunication by Chase Bank ... communication at an ALL-TIME LOW ) and she snidely mimmicks my name XXXX XXXX XXXX XXXX XXXX XXXX with an attitude, " No '', she says ( even under the circumstances ) " I can not expedite your request to have your account re-opened, - sorry. '' Really NOT sorry. Really?? Really?? Branch lady who never lifts a finger? Not even after I raced into your Branch last year and told you that I had an " XXXX??!! '' and you continued walking right past me to help an " ATM Client '' who never even showed up at your booth?? I could have been having a XXXX XXXX XXXX Find out the NATURE of the emergency. Perhaps? It's called getting a paycheck for doing absolutely - nothing. " Ohh, I'm sorry she was the only Banker here - We can not help you now. '' XXXX. ( My family and friends LOVED that story and they also love this one. Half of them have either canceled their accounts or are planning to do so. ) You SURE you can not expedite my request Branch Lady? WHY THEN was XXXX at an alternate Branch able to do so for me?? CHASE IS XXXX. Branch Lady must have made a REAL FUSS about my complaint. Then, OF COURSE, I receive the most SCRIPTED XXXX from Corporate relaying their belief SUDDENLY that they do not discriminate in ANY way. ( Really? I explained to Chase that I had a XXXX myself and they STILL dragged me through the ringer. ) Shame on them!!! IF YOU BANK WITH CHASE - just LEAVE. Go to XXXX. Believe me. CHASE SHUT DOWN MY ACCOUNTS because some XXXX XXXX took a series of complaints from ME!! Chase doesn't know how to handle complaints, obviously. Then a Chase employee stated to my face, in person, by the way, regarding a Wire I had formerly wished to be reimbursed on : " Ohh Chase? Don't even worry about that ... Chase will reimburse you JUST to keep you as a client! Guaranteed!! ", he said. While his OWN Manager, XXXX XXXX, whatever he is... some kind of Marketing Regional Manager said to ME : " I KNOW that XXXX never said that. '' Well, guess what XXXX looked like an COMPLETE idiot stating that to me. As his employee ABSOLUTELY stated that. They are crooked within the institution!! And then try to imply that you committed fraud. XXXX did not even call me back last time that I requested he PLEASE do. With Chase.. you begin to wonder WHO is serving WHO?? IS THE BANK SERVING THE CLIENT OR IS THE CLIENT SERVING THE BANK. They actually feel as though you should be enamored having them as your Bank. Chase Bank, that is. Fast-forward, and I put in a bunch of claims/disputes. SO WHAT? SO does everyone else. When I called up regarding any said claims I either remarked that I absolutely did not recognize the charge, OR, that I had not received the product. Those are the only two REASONS why you'd ever put in a claim. Or if a service wasn't performed or properly, right?? CHASE TOLD ME THAT THEY WERE ENDING A DECADES LONG RELATIONSHIP " due to claims.something with claims!! '' I finally started by-passing the IGNORANT and thought that I would deal with Chase Executives myself . COMPLETE and TOTAL mistake. XXXX XXXX told me " We'll see what we can work out regarding opening back up your account ... '' Then this one said the opposite and the other one said the same ...... IF I GAVE YOU THE DATES, TIMES and NAMES of every Chase employee which I spoke to ... and I HAVE the information, you would say to yourself, " this poor woman!! '' The bottom line was my account was closed and this time for good and for no good reason.. I had NO ACCESS to my ONLINE ACCOUNT either. NO EXPLANATION. Chase sucks when it comes to communicating properly. THEN, Chase Online was sending me messages regarding some disputes which I had put in and they were also holding up {$1700.00} of mine for no reason. My homeowner 's insurance debited the FULL AMOUNT out from my checking account - when they were only supposed to debit on a " XXXX '' basis. So I called Chase WITH the Supervisor on the phone you know, of the Company who handles my homeowner 's insurance and Chase STILL had a problem with that dispute. Honestly, I think that Chase made a mistake. I was AT one of the LOCAL BRANCHES. I finally SAID, " I am NOT leaving until you give me the rest of my cash!! '' During that time people who I knew were walking in ( ALL OF WHOM contacted me later to find out exactly what the problem was.. ) I had two phones in my hand at once... the teller didn't even realize what was going on ... ... After almost 2 HOURS one of their employees finally called XXXX XXXX Lol. And most of my friends and neighbors were like " XXXX, Chase! '' LOL!! And it went on and on. TO THIS DAY, Chase has REFUSED to apologize for ANY of their wrong-doings ( that's VERY BAD, when a Bank can not admit their mistakes. ) Regarding the XXXX XXXX XXXX '' XXXX, who SWORE that his own Employee did not say such a thing, I told him.. " Oh yeah, really XXXX Why don't you tell your employee that I recorded his and my own conversation to get him to ADMIT it?? '' The XXXX wouldn't do that either. So I was left without a Bank and then ... ... .... I found my hero : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am finally treated right. They think Chase is WEIRD. I think Chase thinks they don't XXXX- if you know what I mean. I actually called XXXX to cover the story and the woman was VYING to air the story- but then I told her to just forget about it. STILL, she gave me a series of numbers for this XXXX XXXX and others. You'd THINK Chase would be at my feet for doing that?? And saving them total embarrassment.. Her " plan '' was to show up RIGHT AT THE BRANCH DOOR and speak to Lady Branch about WHY it was that my account was shut down. Chase caused me more hassle than anything else. Everyone uses XXXX therefore we're all connected. I don't NEED to bank with Chase. In fact, they are going to find that THEY need me. And what a mistake they have made. Lol, they are STILL emailing me offers to take out a loan or to open up a line of credit. " Audacious '', I tell you. Discriminatory. You get a XXXX different answers. " Maybe you can keep your THIRD Checking account '', then a letter " Call us to answer a few questions and you can KEEP your account! '' Ooo! Gee!! Exciting!! NOT. Too big for its britches. JP Morgan Chase is NOT " FOR '' its clients anymore - not unless MILLIONS of dollars come with them. I was about to bring that too. But truly, XXXX XXXX XXXX seems to by FAR, deserve it more. " Buh bye Chase!! '' Trust me, you don't know a THING about maintaining effective RELATIONSHIPS. Not a single thing. | ||||||
| 07/13/2017 | Yes |
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Web | |
| I had a fraudulent XXXX account opened using my debit card. I contacted XXXX and they closed the account and refunded me my last payment that was taken out. XXXX advised they could not refund any more payments than that but to contact my bank to have the rest taken care of. I contacted my bank and they transferred me to the claims department. This call took place on X/XX/2017. I spoke with a representative in the claims department. He did not advise me the call would be monitored or recorded. The representative advised me that he would cancel my debit card and send me a new one. He also advised that I would be getting the full amount of {$76.00} credited back to my account. He advised that {$12.00} would come from XXXX and the remainder would be taken care of by Chase bank. The total amount of {$76.00} is for 6 monthly payments that were fraudulently charged to my debit card in the amount of {$12.00} each. These fraudulent charges came out of my account on the following dates : X/XX/2017, X/XX/2017, X/XX/2017, X/XX/2017, X/XX/2017, and X/XX/2017. The representative advised Chase bank would reimburse me for the XX/XX/XXXX through XX/XX/XXXX charges in the amount of {$63.00}. I later checked my account and only {$38.00} had been credited back. I called the claims department at Chase on X/XX/2017 and spoke with XXXX.XXXX did not advise me the call was monitored or recorded. XXXX refused to provide me a last name or employee ID reference number in combination with his first name. XXXX advised me that the claim amount was for {$50.00} and that is the amount I would be reimbursed. I asked XXXX why the amount was lower than the {$76.00} I was told by the previous representative. XXXX told me there is a federal regulation that is listed on my statement that says if I do not notify them within 60 days of the first statement showing the fraudulent charge that I would not receive the full reimbursement. I asked XXXX what month 's I would be reimbursed for. XXXX advised I would be reimbursed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$50.00}. I asked XXXX for his supervisor to put on the line. XXXX transferred me to XXXX with the escalation team in the claims department. XXXX did not advise me the call was being recorded or monitored. XXXX refused to provide me with his last name or employee reference ID number. I asked XXXX why I was told that I would be getting the full {$76.00} back from the fraudulent charges. XXXX advised me of a federal regulation that has a 60 day liability policy and that I would only be reimbursed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX then said that I would not be reimbursed for XXXX and that I would only be getting reimbursed for a total of {$38.00}. I advised XXXX that the previous representative, XXXX, told me I would be reimbursed for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$50.00}. XXXX explained that the 60 day liability federal regulation would only cover the first 3 months of charges. I do not receive paper statements. I have a paperless option selected on my Chase account. Chase does not notify me when my statements are available for viewing. The only email I receive from Chase is in reference to a 'Deposit Statement ' on the XXXX of each month. I did thought this was only for deposits and that no statement was being provided for withdrawals/debits/credits. Therefore I did check my statements in a timely manner as I am not notified when my full statements are available and I do not receive paper statements. I would have no way of knowing my statements were available and they did not send me any paper copies. I then asked for XXXX to put his manager or supervisor on the line. XXXX advised me that they closed at XXXX. EST. I advised XXXX that it was only XXXX XXXX XXXX and that I would like to speak to a supervisor/manager. XXXX advised me that the manager had left at XXXX p.m. EST and was not available. I asked XXXX when the his manager would be available. XXXX refused that information. I asked XXXX for his manager 's name. XXXX refused that information. I asked XXXX for a mailing address. XXXX refused that information. I asked XXXX for an email address. XXXX refused that information. I asked XXXX when any manager would be available the next day. XXXX refused that information. I asked XXXX if Chase had a customer retention department. XXXX advised me in a threatening way that Chase bank could close my account at any time for any reason without notice.The call was concluded and XXXX was not helpful in any way. I tweeted at Chase bank on X/XX/2017 and was replied to by Chase Support. Chase Support requested that I follow them on XXXX and send them a direct message with a summary of my situation and my name and zip code. I obliged and Chase Support advised that the situation would be reviewed by the Executive Department and they would need my phone number to contact me. I obliged once again. I called back into Chase on X/XX/2017. I first spoke to a representative in customer service. This representative transferred me to the claims department. The claims department representative I spoke with was named XXXX. XXXX advised me the call would be monitored or recorded. XXXX refused to give me her last name or employee ID reference number. XXXX placed me on a hold while she reviewed my account and the notes. XXXX came back on the line and advised she needed more time to review my account and placed me on hold again. XXXX came back on the line and I asked to speak to a supervisor. XXXX placed me on hold and transferred me to XXXX. XXXX is not a supervisor but works in the Executive Office. XXXX advise me the call would be monitored or recorded. XXXX refused to give me her last name or employee reference ID number. I explained my situation to XXXX but she advised that she would not be able to speak to me on the matter because my account was being handled by an analyst. I asked to speak to XXXX 's manager and she said I could not and I had to speak to the analyst, XXXX. XXXX provided me a case number ( XXXX ). XXXX then said that she could submit a request for me to speak to a manager but no manager could come to the phone. XXXX placed me on hold and transferred me to XXXX, the analyst handling my account. XXXX came on the line and advised me the call would be monitored or recorded. XXXX refused to provide me a last name or employee reference ID number. XXXX began the conversation by advising me that my claim had been 'declined. ' I asked XXXX what 'declined ' meant. XXXX repeated that my claim for {$50.00} was declined and I would not be reimbursed for the fraudulent charges. XXXX advised that there would be no change to the XXXX department 's decision and I would not be reimbursed due to the 60 day liability federal regulation. I advised XXXX that the 60 day liability federal regulation is a part of Regulation E. I also advised XXXX that there is a subsection to the 60 day liability federal regulation that states if there is state law or an agreement made between the customer and the company in regards to liability that it would supersede the 60 day liability portion of the regulation. When the first representative advised me on a recorded call that I would be reimbursed the full amount {$76.00}, he gave me zero liability. This agreement was recorded and supersedes the 60 day liability clause. XXXX advised me that the claim would not be reopened and that I would not be reimbursed. I asked XXXX to provide a summary of the claim and how much I would be reimbursed. XXXX advised the claim was for {$50.00} and I would only be reimbursed for {$38.00}. I asked XXXX why the claim amount was for {$50.00} if the 60 day liability federal regulation states that I would only be getting back {$38.00}. I advised XXXX that I filed a claim for the full amount of {$76.00}. XXXX said that I filed a claim for {$50.00}. I advised XXXX that {$50.00} makes no sense for the claim amount as it does not cover the full amount or the full amount minus the 1 payment that XXXX said they would refund to me. XXXX could not provide a reason for why the claim was in the amount of {$50.00}. I asked XXXX if she was familiar with the federal regulation that had the 60 day liability clause. XXXX was not familiar with it. I advised XXXX that this was Regulation XXXX XXXX stated she was not very familiar with Regulation E. I also asked XXXX if she was familiar with the Fair Lending regulations. XXXX advise she was familiar. I advised XXXX that I would be filing complaints with the CFPB, BBB and my state Attorney General for violation of Regulation E and the Fair Lending Act. XXXX stated that the claim was closed and would not be reopened. XXXX stated that I would only be receiving {$38.00} in reimbursements. I requested to speak to XXXX 's supervisor/manager. XXXX stated she can not get a supervisor/manager on the phone and that she could submit a request to have one call me back withing 3 business days. XXXX stated that if the manager felt there was a missed opportunity with me that the manager would call me back within XXXX business days but if the manager decided not to call me back then I would not hear from them either way. I asked XXXX for a mailing address and she provided the following : " Mail Code OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. '' I asked XXXX for the CEO of the company 's name and she advised it was " XXXX XXXX. '' The call was concluded with XXXX. | ||||||
| 12/13/2017 | Yes |
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Web | |
| I began getting behind on my mortgage in XXXX due to unexpected medical issues and loss of income. In the summer months of XXXX Chase sent out an individual to determine if I still resided at the location of the home. The man that came out introduced himself to my sister as to who he was, who he was representing ( Chase ) and that he was there to see if I still lived at this address. My sister explained I was inside resting and that she would go get me, declined stating that there was no need since my sister had already given him the info he was looking for. I was very upset, of course, that this man had discussed my account and my personal business with another individual not on the mortgage nor did he have any proof she was who she said she was. However, because I was behind I chose not to make a big issue of it for fear of making my situation with Chase even worse. I continued to struggle to bring the account current and pay as much and as often as I could. On XXXX, XXXX, I was in the process of balancing the check book when I realized that the payment for {$1000.00} that I had sent Chase on the XXXX of XXXX still had not cleared and I had just sent another payment of {$1000.00} on the XXXX of XXXX. I became concerned so I immediately called Chase and spoke with a woman named XXXX at which time she informed me the check had been received and had been posted on the XXXX of XXXX. At this time I discussed with XXXX why it took so long to post and I informed that the company sometimes takes anywhere from 7 to 10 business days to post payments received. I also discussed in depth with XXXX the remaining amount needed to get the account current and was told that I would only need to pay another {$530.00} to bring my account completely current. I also spoke with XXXX about a recurrent charge that I had been seeing on all of my statements titled " XXXX XXXX XXXX '' and ask what exactly this charge was as I thought I knew but wanted clarification. XXXX did verify that the charge was for supposedly sending someone out to see if I still lived at this location. At this point I did not get into a detailed conversation regarding that charge as I was more focused on getting good clarification on the amount needed to get current on the account. On XXXX XXXX, XXXX, after receiving yet another unexplainable statement, I called Chase, this time I spoke with a woman by the name of XXXX, I had informed her of my previous conversation with XXXX and what XXXX had told regarding my account and the exact dollar amount need to get fully current. XXXX acknowledge that conversation but said even with the 2 payments of {$1000.00} and the money that was being held in the " UXXXX XXXX XXXX '' I was still {$110.00} short. I became very upset and frustrated because of all of this but stated I would go ahead and pay this by phone. I paid the amount asked for and was given a confirmation number. I then asked again, " now, am I completely current. '' the reply was yes. I again ask " so just to be certain, I am now current and not due again until the first of XXXX ''. the reply was yet again a yes. At this time I also addressed my concern about my payment being held for so long before being posted and stated that there was no need for such practice as the payments where being received within 3 to 4 days of being mailed as indicated by matching of past payments with dates mailed and dates clearing the bank account. I stated that the practice used, as indicated by XXXX, would intentionally cause a person to be past their 10 day window and that this was unacceptable as well as bad practice. I strongly recommended this not be a practice that was used on my account in the future. I also addressed, again my concern and confusion as to why I was still being charged a " XXXX XXXX XXXX '' and stated that that needed to be taken care of and removed. I was given the impression at that time the issue would be addressed and taken care of. I also discussed and strongly indicated that all monies over the original payment amount were to be directly applied to the principle balance and not placed in some " XXXX XXXX XXXX ''. On XXXX XXXX, XXXX, I called again as the statement for XXXX was showing me to owe {$280.00} in Prior Fees/Charges. I did not speak with an individual at this time as the recording for what was owed indicated that I owed only what the payment was which was {$850.00}. My assumption at that time was the needed changes to clear up my account and address my complaints were done after the statement was mailed. On XXXX, at approximately XXXX am I called again because the statement was yet again incorrect and spoke with a CSR but was getting nowhere. I stated I would call back and speak with a Supervisor. At approximately XXXX am I called back was answered by XXXX XXXX and immediately requested to speak with a Supervisor. I was then transferred to XXXX XXXX, XXXX XXXX. I began to give XXXX XXXX a complete rundown of all that had taken place previously with prior phone calls, my concerns regarding my privacy being discussed with someone not on the mortgage and my frustration with the " XXXX XXXX XXXX '' fee that I was still being charged as well as the {$280.00} that kept showing up on my statements. in my discussion with XXXX XXXX she indicated that the & XXXX was late fees and not the XXXX as I had assumed. I became very stressed and frustrated at this point as I indicated to XXXX XXXX due to the fact that I had affirmed on two occasions the exact dollar amount needed to bring account current and each time I received assurance that if I paid this amount account would be current or if I paid that amount account would be current. XXXX XXXX indicated she would need to check with the person 's that gave me this info and check recordings. I expressed at that time that was fine but I absolutely refused to pay this as I had already done my due diligence in this matter and the mistake was on their part. I then began addressing the issue of the XXXX fee at which time XXXX XXXX informed me that was a matter that had to be addressed by a different department. I became even more distressed and indicated so stating how this was upsetting to me and strongly affecting my health issue. I also informed XXXX XXXX that I knew that this fee was charged due to Chase sending someone out to see if I still resided in the home. I also indicated or stated that I also knew that common sense indicates that when it is obvious a person is sending in everything they can and constantly calling they are not planning on losing their home if it can be help. I also stated that I knew that the first and only time I have ever known of anyone coming to my home my rights to privacy were violated and shared with a person not on the mortgage. I definitely expressed my deep concern of this issue as well as my disbelief of such practices. XXXX XXXX stated she could put me in touch with the department that handled this issue. At this point I was so upset and becoming physically ill as a result that I stated that I could no longer take all this mess and would be seeking counseling or filing needed complaints with the appropriate agencies for consumer protection. XXXX XXXX made contact with me on 2 other occasions regarding the so-called late fees with the second call to inform me those fees had been waived. On XXXX XXXX, XXXX at XXXX am I called yet again because I was yet again charged the XXXX fee and spoke with XXXX XXXX. This conversation was to again verify my rights as a consumer such as that with privacy. I also wanted to confirm that in order to charge me this XXXX fee there surely must need to be some type of proof that contact was actually being made. XXXX XXXX did in fact confirm that my account can not be discussed with anyone other than myself nor can they person presenting identify himself as to who and why he is there to someone other than myself. XXXX XXXX also confirmed that in order for me to be charged this fee proof does have to be shown that contact was made. I also asked why they would need to send anyone to the home address if the account is current or if there are clear attempts of due diligence on the part of the consumer. XXXX XXXX indicated there would not be any reason to send anyone under these circumstances. I then stated to XXXX XXXX that I was strongly convinced I was right in this matter and simply needed her verification which she had given me. I again expressed my concern of this matter and the need to be reimbursed monies wrongfully charged. She offered to send me through to an XXXX XXXX at which I refused explaining I had already done that and this resulted only being told this matter was handled by a different department. I then requested being transferred to that department at which time I informed there was not anyone in that department to transfer to but she, XXXX XXXX, could submit an order to the XXXX XXXX and that the would contact me back if they felt there to be a need. I informed XXXX XXXX that I did expect a response and should that not happen I would exhaust all avenues to correct and resolve this matter. It is now XXXX XXXX, XXXX and I have still not received a response. I did speak with several agencies all of whom recommended trying to work with Chase first of which I feel I have. I am now reaching out to this agency in hopes of this matter being resolved and having monies returned to me that were wrongfully charged as well as privacy violations being addressed. | ||||||
| 11/16/2020 | Yes |
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Web | |
| Step 1 : What is this complaint about? CHASE did not satisfy my needs or investigate it properly. Misleading information or advertisement. Not a full contract disclosure with all the hidden fees. They did not disclose full charges or options to cancel the contract. Offered me services that I haven't received or cant afford to launch because of additional hidden fees. Credit card company isnt resolving a dispute about purchases on my statement. Look at the communication. The failure to disclose the extra monthly fees & services tied to the product launch makes it impossible. The merchant had full knowledge and understanding of the interdependencies needed to operate the business during the sales Webinar. The merchant had an obligation to disclose extra expenses beyond the initial {$990.00} invested. I am unable to launch this XXXX XXXX XXXX unless I pay into the monthly fee structure. How does one do that without adequate cash flow? Had I known this, I would not have moved forward with this business. This is fraudulent business practices to withhold knowledge of extra expenses from the consumer. To assume it's the consumers problem to resolve in itself a predatory practice. Then to say if you dont pay into the fee structure you will not be able to launch this XXXX XXXX XXXX why not disclose that in the sales Webinar? This information was not included in the sales Webinar. Its important for the consumer to have a clear picture of all costs. The lack of integrity and willingness to empower consumers to make an informed financial decision disadvantages them. Given the state of the pandemic and long term unemployment, I find myself a subject of a scam. I am in no position to pay for these extra fee structures. The fact that a relationship void exists contrasts with ongoing up-selling & hype techniques demonstrates the bottomline objectives held. I find these types of business practices to be a poor fit with my value system. Consumers need real protection from these types of deceptive online selling practices. Step 2 : What type of problem are you having? I need Chase to credit my card for {$6700.00}. I can not afford the extra cost involved to launch this XXXX XXXX XXXX nor was this fact disclosed in the beginning. Both merchants ; XXXX XXXX XXXX XXXX XXXX were misleading. I have gotten mixed communication from agents in Chases dispute department. XXXX, a seasoned Chase agent, told me the documentation provided was excellent. And, that he had seen a lot of these types of customer complaints. Ive been a Chase credit card holder in good standing for many years. Communicating this issue with all parties has been fruitless. Failure to disclose these extra costs is a deceptive act to ensure corporate gain. They care more about their bottom line no matter the impact of their deceptive dealings. I find myself caught in a three way scam. Step 3 : What happened? XXXX charge date ( s ) XXXX XXXX & XX/XX/2020, amount {$990.00} After XXXX charged my credit card, no one from the company called to welcome me or determine if this was a good fit. This wouldve been a relationship building opportunity. Right after I paid, I gained access to a series of modules. As I started to watch the videos a pattern of extra technologies and services started to emerge. These monthly fees and services were necessary to launch and operate the business. You could not launch the XXXX XXXX XXXX online without them. I made a list of the extra technologies and services presented over a series of videos. To launch your XXXX XXXX XXXX you had to buy them. The monthly fees were adding up to $ XXXX and these expenses went beyond the initial {$990.00} already spent. Why wasnt this made known in the XXXX? I realized there was no way I could afford them without going into deeper debt. Unless I paid into this extra fee structure, I would not be able to launch this business. I needed cash upfront to cover these monthly expenses. Due to an extended period of being unemployed, I do not have funds to cover this nor will I carry these extra expenses on my credit card. I realized that this was not going to work. I called and emailed both merchants to discuss but that was to no avail. XX/XX/XXXXXXXX XX/XX/XXXXcharge XX/XX/2020, amount {$5700.00} I received an email on XX/XX/XXXX from the PCS Team to confirm an appointment for XX/XX/XXXX with the Business Consultant. The Consultant said, I needed asset protection from lawsuits when selling affiliate products & services online.And, it would protect me from getting kicked off Amazon & XXXX platforms for not being an e-commerce LLC. The consultant said, he forgot to mention, the business goes inside an estate plan, trust, living will and to expect a call from XXXX XXXX The Consultant told me hed call on XX/XX/XXXX to schedule the tax plan but never did. XXXX credit coach directed me to open a XXXX XXXX XXXX account. But when I encountered technical issues they had no knowledge on how to resolve it. I was then told to open a series of business credit cards to establish a XXXX Profile. They told me these activities would not impact my FICO score, but in fact it did by causing my score to drop. The coach couldnt explain why it had dropped. And, suggested I try a few more credit applications since I was not able to advance to level 2 of the process. I was not pleased with the lack of understanding and mounting administrative fixes after following these directions. It did not make sense that I would have to pay thousands of dollars to experience so many missteps. XXXX XXXX to provide estate planning and asset protection. I experienced missed and confusion about scheduled meetings with paralegals. I completed a preliminary worksheet and waited for a follow up call to discuss unique conditions to add to the estate plan. To date no discussion has taken place. XXXX, the receptionist, attempted to clear up a missed scheduled meeting to review the preliminary worksheet in preparation for the XXXX meeting with XXXX? After completing the preliminary worksheet I expected to have a follow up discussion about unique conditions that needed to be added to the estate plan, but the meeting never happened. On XXXX I sent XXXX, office assistant, an email to schedule a follow up meeting to determine next steps. I waited up until XX/XX/XXXX but never received a response. This experience along with a few others, started to raise concerns for me. I felt like a cog in a wheel that was being managed by an inexperienced staff. The focus appeared more on passing the buck and putting out fires. Opposed to providing a comprehensive and professional service. Both XXXX XXXX XXXX were operating together. As the revelation of the extra fee structure emerged and baked into the product launch it became clear I had been deceived. I called the Business Consultant from XXXX for help. I came away from that conversation with no immediate solution. XXXX already got the bulk of the money. The amount of money charged has left me in a disadvantageous position. The experience did not meet expectations, services not received, didnt disclose options to cancel the contract, paid for product but not received, misleading information and failure to disclose hidden fees. The fact is I do not have the monthly cash flow to meet these extra hidden technology expenses. I expect a full and complete refund. No one should be subject to such fraudulent and deceptive practices especially in a difficult economy such as this one. XXXX left out this very important information on hidden fees from the sales Webinar. XXXX offered me services that I did not receive. Step 4 : What company is this complaint about? XXXX {$990.00} XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX XXXX XXXX / XXXX XXXX {$5700.00} XXXX, UT XXXX CHASE Cardmember Services XXXX. XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, Business Sales Consultant XXXX XXXX ) XXXX XXXX XXXX, Assistant ( XXXX ) XXXX XXXX XXXX, Quality Assurance Manager ( XXXX ) XXXX XXXX XXXX, Credit Coach ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, Paralegal ( XXXX ) XXXX XXXX XXXX, Senior Paralegal ( XXXX ) XXXX XXXX, receptionist ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, (? ) XXXX XXXX, Attorney (? ) CHASE Log details the card holders communication experience with Chases Dispute Department. Calls made : XXXX, Customer Service Specialist XXXX XXXX XXXX XXXX, Ext. XXXX XXXX, XXXX XXXX XXXX - unavailable, try call again later XXXX, XXXX XXXX XXXX w/ Chase Dispute - Call disconnected? XXXX, XXXX - XXXX XXXX. XXXX w/ Chase Dispute said I provided a lack of information. Documents lacking information to continue the dispute. Phone line had a bad connection - transferred me to someone else. XXXX, XXXX - XXXX XXXX. XXXX, w/ Chase Dispute - Chase deemed it a valid decision - Not a billing practice. I can re-dispute Billing Errors/Billing Practice. [ first time ever hearing about this fine criteria before? ] XXXX, XXXX XXXX XXXX - unavailable call back later XXXX, XXXX XXXX. XXXX - unavailable call back later XXXX, XXXX XXXX.XXXX XXXX - unavailable call back later XXXX, XXXX XXXX. XXXX - Too much static on line. Reopen Dispute. State why I want to dispute charges in my 2nd letter. Why I want to continue or agreement not fulfilled. Call got dropped then disconnected. XXXX, XXXX XXXX XXXX - unavailable call back later | ||||||
| 08/11/2023 | Yes |
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Web | Older American |
| I have been Chase-Amazon VISA card holder for about 7 years or even longer. My credit scare is always EXCELLENT over 750-800 in the past three decades. Overall speaking I was quite happy, because Chase always protects its customers. Bu not this timeit is not. I have to complain CHASE, because its action was totally against its own rule and policy, non-professional, which made me very confused, and realized Chases goal is no longer to protect its faithful customers anymore. Why do I need this kind of credit card?? So far I can still not believe that was what Chase did to me! Till I noticed that Chase allowed XXXX XXXX REBILL me {$1400.00} at the end of XXXX ( No charge date, but XX/XX/XXXX on an already closed account, due to other fraudulent charge, particularly the charge {$1400.00} is under a dispute case, no conclusion yet ). Usually, only the credits could be transferred from the old card account to new card account. But wont accept new charges of a closed account. I called Chase Dispute Dept right away. The lady who answered the phone told me that XXXX XXXX claimed THE REBILL WAS AN ERROR, which turned out to be not true. She was lying to me! Not only that, she also told me dispute case was closed without asking me anything as a dispute initiater. I am very regretful that I did not ask her name and write it down. At that moment, I believe she told me the truth. May I suspect a Dispute Department Lady who represents Chase could lie to its own clients? How do I know she was lying to me? The next day early morning, I called again. A gentleman answered the phone, who did not know anything about XXXX XXXX claimed the REBILL was an ERROR. If XXXX XXXX did, there must be a record on file. The gentleman must know. Since he did not know anything, there is no record on file, which proved the other woman that I talked to one day earlier was lying! Did Chase ever ask me whether I agree to close the dispute case? Absolutely not! Chase did it by itself anyway! Even till today, two weeks later after I discovered Chase REBILL me {$1400.00} without receive any products from XXXX XXXX, they even never claimed whether they found the products that I ordered on XX/XX/XXXX, it was obviously an unauthorized charge. And more than 70 days later, they still did not find where the {$1400.00} products are. What was the reason that Chase closed the dispute case by itself? Why my previous impression that Chase handled most of issues professionally disappeared? Did Chase change management? Why did they inform me most of whats going on with email, or snail mail in the past years, such as Chase suspected there could be fraudulent charge ( attachment A ), address or phone number change ( attachment B ), replacement of credit card request ( attachment C ), or snail mail me ). But this time, so unprofessional. Why? Why?? Why??? I have to ask myself over and over but no answer. Even till today, XXXX, at least two weeks later after I found XXXX XXXX REBILL me {$1400.00} without deliver any products ). I still did not receive any email, or snail mail to inform me the reasons that Chase accepted XXXX XXXX REBILL me {$1400.00} without deliver any products under dispute. And the dispute case ( # XXXX ) was closed by Chase itself . Why Chase is so powerful? More than most of the credit card Banks? I have to emphasize when that lady told me the dispute case was closed. I did ask her immediately, Any Conclusion after your investigation? No. She answered. Is it another example that it is very unusual!? No Banks will handle the case like Chase did. I would also say nobody in the world would like to pay {$1400.00} without getting anything! It is obviously an unauthorized charge, Why didnt Chase do as what it usually did? In contrast, Chase let XXXX XXXX do it! Even not let me the credit card holder does! Why didnt Chase tell XXXX XXXX the truth? The account was closed. We can not take any more charges in a closed account. or Since we are still investigate this dispute case. We can not accept any REBILL. It was so easy to find any excuse to reject XXXX. Unfortunately, Chase did not. I really have no idea. The REBILLs were on XX/XX/XXXX, but recharged in XXXX which was very unusual. ( Attachments of XXXX and XX/XX/XXXX Chase Statements on p3. All charges were listed ). If I did not call Chase Dispute Department after I discovered the REBILL {$1400.00} at the end of XXXX, I still dont know whats going on in my account : including the REBILL and dispute case # XXXX is closed. What is the conclusion? REBILL with no reason. Nothing has changed since XX/XX/XXXX. Except Chase sent me one snail mail and stated that XXXX XXXX credited me twice ( {$190.00}, only 13.23454 % of total charge {$1400.00}, It should not be Chases unprofessional actions excuse. ) I did admit that. In fact, I paid back {$190.00} to Chase on my XX/XX/XXXX payment with {$100.00}. But I refuse to pay {$1000.00} ( particularly, I dont recognize what this charge is about? Since XXXX XXXX claimed this is REBILL. May I ask what is this {$1000.00} about on XX/XX/XXXX? I did not order anything with {$1000.00} on XX/XX/XXXX ) + {$190.00} + {$190.00} = {$1400.00}. There is even no description of each charge is related to. It only indicated that whoever made this REBILL did not know any details of XX/XX/XXXX and thereafter. How could XXXX XXXX claim this is REBILL? To tell lie is not so easy. Only stupid people will believe that. Whether Chase wants to reopen the dispute case or not, its between Chase and XXXX XXXX, I have nothing to do with it. Chase could close the dispute case by itself, it should reopen it by itself also. Although the total amount does match XX/XX/XXXX order, but the details are incorrect. are wrong, are chaos, are unprofessionall! So far I still can not believe Chase accept this kind of REBILL! I have to ask Chase : ( 1 ) Why do you let XXXX XXXX REBILL me on an already closed account? If this is your new rule or policy, why didnt I know as a 7 year faithful and honest customer? If you let all bad merchants to do so, recharge, or rebill more than two months later, why did you close my account at least three times this year - XXXX, from XXXX to XXXX to XXXX? Each time you limited me to use the current account for 5-7 business days. If Chase let XXXX XXXX REBILL me with no reason on an already closed account, what is the reason that Chase does not let me the account holder to continuously use the same credit card? ( 2 ) To me, it was not surprising that Chase did so more than once recently. On XX/XX/XXXX, Chase sent me an e-mail to Confirm you made this purchase. The charge merchant was XXXX with {$59.00}. I would say at that time Chase handled the case professionally. At least Chase informed me, due to the suspicion of fraudulent charge. I selected No, somethings wrong. Under that selection. Chase obviously stated, We will close your current card and send you a new one. If you need to speak with us, please call the number on the back of your card and also We need the fastest way to contact you. No wonder I feel the situation was so different from XX/XX/XXXX to XX/XX/XXXX. How does Chase treat XXXX XXXX which Chase suspect Fraudulent charge and send me email on XX/XX/XXXX to Confirm you made this purchase. I remember it was not the first time that I receive that kind of email from Chase. Whenever Chase had doubt, it would send me email to confirm. That was professional operation. So most of Chases clients feel confortable and ease before XXXX. I noticed that although XXXX charged me earlier. But it intentionally took off the charges. Perhaps due to Chases warning email. But XXXX continuously boasting its product. They secretly charged me again on XX/XX/XXXX and XX/XX/XXXX. The same merchant, Chase suspected FRAUDULENT charge on XX/XX/XXXX, 20 days later, Chase let this suspected merchant charge again and again without sending email as confirmation anymore. Is chases policy changed? Is Chases policy selective? Even though I reported to Chase of this case immediately, Chase does not care. I have to pay {$5.00} and {$29.00} of XXXX charges on XX/XX/XXXX payment. So I said Chase has this kind of unprofessional action, as a 7 year customer, I am not surprised. The way Chase treated XXXX XXXX case was much worse than how Chase treated XXXX. Even though I called Chase many times and tried my best to explain the situation to Chase customer service whoever answered the phone. The answer was always We have a very dedicated Dispute Team But they all admit that they dont want this kind of treatment by their credit card banks : Paid {$1400.00}, patiently waited for three weeks, received no products for a local delivery and paid another {$1000.00} in order to receive products. 70 days later, no condition has been changed, all of a sudden, the {$1400.00} charges were ReBilled in an already closed account, the Bank was against its own policy. Regardless the customer already paid 13.23454 % of the total charge {$1400.00} back to the credit card Bank ( Supposedly, that 13.23454 % of the total charge was the merchant paid back credits to the customer twice. How about they charged the customer twice? Who will pay that back? Any compensation of the customers loss? Does Chase have any special relationship with XXXX XXXX? Why Chases action is so strange and so weird? I realized that I am only a small potato under Chase, I have to rely on some higher authority above Chase. Finally I found one! It is CFPB! | ||||||
| 05/05/2022 | Yes |
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| I am contesting a denied claim related to card-not-present fraud at point of sale. A series of unauthorized purchases, charged to my account, were apparently made using a mobile phone app at two different locations in Washington, ( XXXX and XXXX ), many hours distant from me. All were billed as XXXX XXXX. I am a XXXX XXXX XXXX widow. I live minimally on a small island off the coast of Washington. I have no savings to draw on, and value my access to credit, to cover unexpected shortfalls. Consequently, I have always kept my credit rating high. I have been a Chase cardholder for 25 years, and pay down my bills faithfully and on time. The purchases were allowed by Chase using a mobile app I neither have nor use, on a phone not mine, in a location and at a store I do not live near, from a vendor I do not frequent. My physical card is rarely used and was always in my possession. I gave no one else access to my number or account. The number of charges made to XXXX XXXX total nearly {$3000.00}. Most of those charges were made between XXXX and late XXXX. Fuel Purchases of up to XXXX were deducted daily during that time, sometimes twice or three times daily. Because I was carrying around {$6000.00} on my card, and making more purchases than usual during XXXX I regrettably paid my XXXX bill without scanning it, not surprised that it was rising. ( Holiday time, I now realize, is when scammers often hit ). When I went to pay my XXXX bill, however, it seemed noticeably high. I downloaded my statement and saw with horror what had been happening. I called Chase immediately, ( XXXX XXXX ) and was issued a new card. The purchases stopped. During my call to I report the incident, I was assured that, as a Chase customer, I would not be held liable. When the charges reappeared on my new statement, I called to ask why. I was told that this was normal, pending an investigation. I assumed then that the Fraud Investigation Department would fulfill its obligation to investigate my claim, and would determine that they had failed to stop these unusual and unauthorized purchases, and honor our cardholder agreement. Instead, Chase denied my claim. First, they said it was because I was a XXXX customer, and had made earlier purchases, in XXXX and XXXX, at those venues. ( I had not, nor would that have legitimized the unauthorized charges. ) I contested this claim by proving I was not, nor had I ever been, a XXXX customer. In fact, those were early tester purchases, which because of their low dollar amount, slipped through without my notice. Prior to that, I had never used this card to purchase anything from XXXX, as Chase could have seen, if they had ( as they implied ), actually examined my billing statements. Then they demanded I investigate my own case, and provide them with receipts and alibis to prove my innocence. Although a ) the nature of the purchases themselveshundreds of dollars worth of fuel purchased at the same POS daily or twice daily, should be adequate proof of fraud, and b ) fraud investigations are Chases obligation, not mine, ( XXXX declined to provide receipts without Chase on the line ), I cooperated in providing receipts and alibis as requested, to prove that these purchases were in fact unauthorized. Then, they informed me that, because I had made payments on the XXXX and XXXX bills, containing the unauthorized purchases, these earlier uncontested payments constituted my implicit authorization of the later, more clearly fraudulent purchases. This, despite the facts that : a ) The Fair Credit Billing Act limits my liability for unauthorized use to {$50.00}. b ) My report of unauthorized use was initially accepted and my card changed. c ) Chase now seems to agree that those were not my purchases, nor had I in any way deliberately allowed or authorized those purchases. c ) Almost all of the purchases in question fell well within the 60 day margin of liability. d ) Chase advised me, throughout the dispute, to continue paying on my card. e ) It is common for customers to pay bills containing unauthorized purchases, either because they did not notice them, or because the fraud was not yet apparent. Nowhere could I find evidence of my legal liability with regards to Chases argument. In fact, from the XXXX XXXX XXXX XXXX, I found this : If a charge unexpectedly appears on your bill for something you did not authorizeyou can report it over the telephone. You are also not required to do so within 60 days, although the sooner you report it, the better. After you report an unauthorized charge, the credit card lender must conduct a reasonable investigation of your claim. A reasonable investigation might include analyzing the signature on the credit card slip, obtaining a copy of a police report, or comparing where a purchase was made versus where you live. In fact, Chase Card Services did NOT conduct a reasonable investigation. Instead, they told me it was my responsibility to file a police report, and to travel to XXXX to look at video footage to prove my case ( this would have entailed a XXXX hour round trip, minimum ), and to obtain receipts from the vendor. It was my investigation that revealed how, when, and where the unauthorized purchases were made, and I was the one who provided alibis and other information, after my claim was denied. The only investigation they initiated was to scan my most recent billing statements, and issue their decision. I therefore called again to contest their decision. On XX/XX/XXXX, I asked a senior in the Fraud Department ( XXXX ) to explain how regular payments on my account would in any way constitute my legal agreement that the unauthorized purchases were legitimate, as I could find no law distinguishing legitimate from illegitimate debt. To this, XXXX provided only confused defenses, mostly attempts to convince me of my own irresponsibility. When I suggested a compromise : that Chase cover the amount that fell within the 60 day limit, while I assumed responsibility for the unnoticed test charges, he declined. I formally requested that Chase provide their legal defense in writing, as per the law, to prove they were not in violation of the FCBA, in holding me liable. He again declined. To date, Chase has provided me only with identical electronic form letters, attached to my statement, simply declaring my claim to be denied. Except for my failure to notice the initial unauthorized purchases, I have behaved in all ways responsibly as a Chase card customer. For 25 years, I have reliably repaid loans with interest, and taken reasonable care to protect my identity and account. I reported unauthorized activity as soon as I noticed it, and complied with all requests for help in Chases investigation. I have made every effort in our recorded conversations to remain polite and humane while standing my ground. This, despite Chases persistent refusal to respond helpfully to any of my reasonable requests. Since I first reported the incident, I have invested over 20 uncompensated hours of my time, in phone conversations and, ( at XXXXhases request ) research and written responses. Much of this labor was spent doing work Chases Fraud Investigations Department employees are legally tasked with. On the other hand, and possibly because their effort to hold me liable is not legitimate, Chase has treated me not as a loyal and valued customer, but as a suspect. During our series of conversations over the past months, I have consistently been misdirected, denied, reprimanded, interrupted, talked over, sent in circles, and treated as an adversary. This, despite the facts that Chase has : failed to keep my data secure, or to detect, decline or prevent unauthorized use failed to alert me of suspicious activity failed to acknowledge instantly obvious fraud failed to thoroughly investigate claims of unauthorized use failed to assume liability for the result of obvious security breaches, and failed to provide documentation to support its decisions as required by Federal law. Despite this, Chase card services insists on holding me liable for the entirety of these unauthorized charges, plus accumulating interest. It seems that, regardless of its cheerful assurances of customer protection and satisfaction, Chases actual approach is to deny customers legitimate claims, to their advantage. To wit : JPMorgan Chases announced first-quarter net earnings for XXXX is a healthy {$8.00} billion, with credit losses at historically low levels. This, while the most recent FTC report shows that identity theft has doubled between XXXX and XXXX, ( XXXX XXXX reports ) and continue to rise exponentially. It's common knowledge that corporations like Chase are powerful and amoral entities, beyond the ability of civil jurisprudence to substantially affect, in no small part because of their unfair ability to influence legislation, and to avoid complying with existing consumer protection laws. If Chases treatment of my case has now become typical, its easy to see why credit losses might be historically low. I am concerned that Chases behavior in my case is not only typical, but that it represents, at best, an increasing effort to shirk legal responsibility and shift the growing burden of fraud onto the shoulders of consumers. This, above all, is why I feel obliged to stand my ground, to ask for every legal protection, and, if necessary, demand fair redress. Thank you for your help in this, Sincerely | ||||||
| 05/05/2023 | Yes |
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| On XX/XX/ I received an expected payment via international wire from XXXX XXXX XXXX. The payment was for {$2000.00} XXXX which was {$1300.00} USD. On XXXX XXXX XXXX I received an unsolicited call and voicemail from XXXX, the bank XXXX at a nearby Chase Bank branch ( XXXX XXXX in XXXX, XXXX ). I assumed it was a sales call and ignored it. On the morning of XX/XX/ I received an alert that I had insufficient funds in my bank account due to a {$1000.00} wire transfer. I had no idea what that transaction was and immediately called Chase, I was told to call the fraud claims department. They suggested that I freeze my account and then go into a bank branch to close the account ASAP as it had obviously been compromised. I walked into the nearby branch that day, but there were no appointments available, I was told to come back the next day, which was a XXXX and since they don't take appointments on XXXX, I was advised to come in early. On XXXX XXXX XXXX I arrived at the bank branch early, but was told I had the wrong ID and had to go back home to get my passport. I went back to the bank and waited around an hour before being able to speak with a banker. Meanwhile, my account had gone deeper into overdraft because even though my account was frozen, automatic payments were still coming out. I told the banker I wanted to close the account and she said that might be difficult because the account was in overdraft. I asked if XXXX was in ( the banker I had received the unsolicited call from on the XXXX ). She was and she came to speak with me. XXXX said she had called me on the XXXX to let me know that the wire I had received on XX/XX/XXXX had insufficient funds behind it and that Chase would be taking the money back. She said that was what had happened the day before- it wasn't a fraudulent transaction, it was the bank reclaiming funds that they had fronted me. So according to XXXX, my account had not been compromised and there was no reason to open a new one. She said I could change my login details if it would make me feel better, but it was Chase who took the money. I was confused because : 1. I thought the point of wire transfers was that they have to have funds available 2. Chase never notified me that the funds were provisional, I had no reason to think the money wasn't mine to spend The transaction had cleared out my account, but it wasn't the full amount of the original wire, so I asked XXXX if I should expect to get hit again for the rest of the funds. She said probably yes, but she would ask the back office and let me know for sure. Since there was ( according to XXXX ) no fraud and no reason to close my account, I asked if they could unfreeze my account. They said they couldn't, and that I would have to call the claims department again to have them unfreeze it. So I went home, called the claims department and told them it was okay to unfreeze my account. A friend loaned me {$2000.00} to get my account out of the negatives, to leave room for Chase to take the rest of the money and then then to hold me over until I could get the situation sorted out and get XXXX XXXX XXXX to send another payment. On XX/XX/XXXX, I had a missed call and voicemail from XXXX. I called her back and she said that yes, I could expect that Chase would be taking the rest of the money back. By that time, I had been charged a {$50.00} fee for the outgoing wire and I asked her if I would be charged again whenever Chase came for the rest of the money. She said she didn't know and that she would find out and let me know. Since she had originally called me on the XXXX, but the money hadn't come out until the XXXX, I figured I could expect the rest of the money to be taken around the XXXX. Meanwhile, on the XXXX, I got the only correspondence I have received from Chase about any of this - a form letter from the claims department saying that my claim had been denied because they had determined that I had authorized the transaction OR had compromised my account details which allowed someone else to access my account. From their point of view, it was NOT Chase who had taken the money, it was a completely separate international transaction that I was responsible for. So on the XXXX, when Chase still hadn't taken the rest of the money, I called the claims department again to get more info on how they made their decision. I told them what XXXX had told me and they said that was wrong. It was NOT Chase, it was a completely separate transaction and I had wired that money out. I asked who and where the money had been wired to and the Claims rep said that information would be in a letter I should have received or would receive soon. I asked how international wires work and if I could speak to someone in the Wire department, the representative said there were no people in that department since COVID, that everything is done by forms and they suggested that I file a Wire Recall request. I asked how to do that, they said it was an option on the website, but that if I needed help, they could transfer me to a Customer Service Representative. I said yes please. So I was transferred to a Customer Service Rep, and I wish I could remember her name because she was BY FAR the kindest and most helpful person I have spoken with at Chase, even though she ultimately couldn't help me because neither one of us had enough information to file the Wire Recall. But from what she could see, there was nothing to indicate that there was anything wrong with the original XX/XX/XXXX incoming wire. The letter from Chase never came. And XXXX XXXX had no idea what happened. They said they definitely had the money to fund the wire and didn't know why Chase would say they didn't. They also couldn't get any information or response from Chase. So on XX/XX/XXXX, still having received no documentation from Chase, I called the claims department again to try and get information, because if Chase wasn't going to chase up what had actually happened I was going to have to do it, but I needed to know what evidence the claims department had for denying my claim. The first representative I spoke to that day said my claim had been denied because they had determined that I had initiated the transaction and/or had received benefit from the transaction. I told the rep that I had been told it was Chase who had taken the money, she said NO. NO WAY. It was a separate transaction that was initiated by me or someone with my account details. I asked when and how the transaction had been initiated and from where. She said she could see that the transaction had been initiated at XXXX on XX/XX/XXXX. ( Notice I made my first call to Chase at XXXX that day ) I asked how the transaction was initiated, she said online with my login details. I asked from where and she said she would look up that information but then we got disconnected. I called back and spoke to another representative. He reiterated what the first rep had said - I had initiated the transaction and/or received the benefit of the transfer. I asked what the benefit was - I asked who the merchant was, he said he didn't have that information, according to them, the benefit I received was the transfer itself. I asked what information, what evidence they had used to deny my claim. He didn't have that information, so I asked him for : 1. The IP address of the computer that made the transfer 2. All information they had on the merchant/service 3. Any details they had about the transaction He said he would gather all that information and put it in a letter. He also mentioned that he would keep me updated as to any progress made with the wire recall request. I said I was never able to file one and he said that the claims department already had. So I waited. And waited. And waited. XXXX XXXX said they finally did, in fact, receive that {$1000.00} back from Chase, but had no idea why, still hadn't heard from Chase and were hesitant to send the money back to me because this has all been non-sensical chaos and confusion. So I looked up my options, who do you ask for help when your bank is being shady and unhelpful. I found out I could file a complaint here, but before I did, I wanted to give Chase one last chance. So I made an in person branch appointment for XX/XX/XXXX. In my notes, I said that I wanted to file a complaint. On XX/XX/XXXX, I received a call from XXXX, she said she had seen my appointment request and wanted to know what was going on. I told her everything that had happened, and she said- NO, the claims department was mistaken, it was what she had originally said a bad wire transfer and it was Chase who had taken the money. But she couldn't explain why Chase had never taken the rest of the money or how a wire transfer " bounces '' in the first place or why Chase has NEVER sent any kind of documentation saying anything about any of that. She said " You want documentation? Even though I've already told you? '' And I wished to punt all of Chase into the sun because GIRL WHAT?! YES I WANT DOCUMENTATION. All is banking is is documentation! She said there was no need to file a complaint, she would escalate my concerns and that I could expect some documentation and/or communication from the escalation team within the next 3 to 5 business days. She said I didn't need to come in and she canceled the meeting. Well, it has now been more than 5 business days. And I am beyond tired and frustrated. So here we are. | ||||||
| 04/20/2018 | Yes |
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| On XX/XX/XXXX I booked a room through XXXX for the XXXX XXXX in Washington DC. The cost of this room was XXXX.. During the booking process XXXX stated that there was a no cancellation clause. They did not mention any fees associated with the hotel stay whatsoever. Once I arrived at the XXXX XXXX I was greeted by the hotel manager who told me that there was a {$50.00} CLEANING FEE DEPOSIT and a non smoking fee of {$250.00} which is twice the cost of the room rental. I reluctantly agreed to these charges because I feared that I would be out of the money agreed to when booking the room. At the time of check in I asked did the room have a microwave as I am use to booking hotel rooms that come with small refrigerators and microwaves. I was told no, only on request so I requested a microwave. A hotel employee brought the microwave up to the room approximately an hour later. Once the employee plugged the microwave in I started to feel ill instantly so I called down to the front desk to let them know that I would be leaving the microwave outside my door. Next, I noticed that there was a small refrigerator but it had XXXX XXXX, alcohol and candies in it. I removed some of the item so that I could store a microwave dinner that I had purchased. There was not any indication that these items were of additional charge although I did not use them but just removed them temporarily so that I could store my food. I tried to settle down and watch a little television. When I laid on the pillows I began to feel nauseous so I turned the tv off and laid toward the bottom of the bed. At that point I fell directly asleep. I woke up around XXXX XXXX ; since I had no way of cooking my food I took some chocolate covered peanuts and ate them. I immediately felt sick again. Shortly afterwards I fell asleep again. The next time I woke up was about XXXX XXXX.. When I got up I had to use the washroom and when I set on the toilet I began to feel faint. Funny vibrations were going through my body like never before. At that point I decided to take out an EMF reader that I carry around with me to see if I had been exposed to any radioactive radiation and the room lit up. As I was checking the room for exposure I also was recording. Afterward I began to pack my stuff that I brought with me making sure everything else was in its proper place. Before leaving the room I flagged down house keeping and asked her to check the room to make sure that it was okay. When she gave me the okay I was recording her as well. Next, I went to the front desk and spoke with the same manager who checked me in. I explained all the aforementioned and told him that I did not get any rest because I became ill in the room and ask could he accommodate me on another room. He stated in response I dont even know what type of machine that is! Did you bring that here looking for something? He went on to say why would you want to even stay here again if your experience was as bad as you say it was ; wait a minute, have a seat I will see what I can come up with on a room! Next, I set down, around fifteen minutes later and he came to me and said that he could get me another room at {$150.00}. and told me to think about it. At that point I was in a deep shock so I set there in the lobby in the same chair for over an additional hour. When I finally decided to leave I went up to the front desk and asked for my final bill. Once the hotel employee pulled it up he asked was I leaving. I found that odd because it was the same question that was posed to me by house keeping when I asked her to check the room before I left. Moreover, I told him yes I was leaving then he asked me to wait a minute. His behavior raised concern for me given the fact that I did not understand why he did not just print my bill! He went over to speak with the same manager who checked me in. I waited for about another ten minutes before this employee came back and printed my bill. When I looked at the bill I immediately became upset after observing that I was charged a {$210.00} fee plus a fee of XXXX.. The XXXX dollar cleaning fee that the manager said would be held against my account in the beginning for cleaning never posted to my account nor was it on the receipt. I went over to the manager and asked what was up with the bogus charges and then he said that he had spoke to housekeeping and she said that there was smoking in the room and that she said that she found a single cigarette butt. I inturn reminded him that I showed him a video in the beginning of our interaction that morning with the housekeeper observing the condition of the room and telling me that it was okay! I continued by stating that I also told him that I was ill the whole time that I was in the room and did not smoke a cigarette then he went on to say that the mead found a cigarette butt which was completely not true! At that point I pulled out my phone to show him the video in which condition I left the room and asked why would I leave one cigarette butt and the whole room is Immaculate. He agreed to remove the charges but for some reason had to contact the hotel security before he done so. At that point another employee of the hotel just started yelling for security so I left the hotel because it became a very hostile environment at that point. Once I was safely away from the hotel I first tried to send the general manager an email twice regarding my experience. Both e-mails came back to me as a domain failure. Then I tried calling the hotel and someone picked the phone up and then set it down so I went back to my emails and sent a reply to the welcome email that they sent me. As I waited for a reply I called XXXX and briefed them of my experience. At that point XXXX tried to reach the hotel via phone and was met with the same issue that I experienced so they offered me a voucher on my next hotel stay and I declined given my experience. Next XXXX offered to refund me XXXX XXXX and I accepted given the fact that Ill never use their service again and I originally agreed that there would be no refunds on the room. At this point I decided that I would wait for the charges to clear on my CHASE Checking account that I have held in good standing for twenty two years. While I was waiting I received a email from XXXX XXXX XXXX on XX/XX/XXXX asking me what did I like about the hotel stay. I did not respond because there was not anything that I could say that I liked at that point. On XX/XX/XXXX the charges from the XXXX XXXX had cleared and I called CHASE Dispute by phone to dispute the charges. I told the representatives everything that I wrote here and I was told that there was nothing that the bank could do about the charges and that I would have to wait fourteen days, XX/XX/XXXX to go forward with my claim through XXXX. While I was waiting I received another email from the XXXX XXXX on XX/XX/XXXX asking me to do a survey again. This time I responded and stated everything that I wrote here and added that I did not wish to hear from them again until they could address the money that was fraudulently took out of my account. Nine hours later I received a notification on my XXXX that my CHASE Debit Card had been removed from apple pay! I did not pay this action any mind given the fact that I had been having many issues with my phone as well. Next, I went to XXXX and attempted to purchase two apple pies and my card was declined so I went into a CHASE Branch to find out what had happened and I was told that my account was closed by the bank. Then I asked the teller could he tell me why my account was closed and then he told me that CHASE can close your account for any reason that it wants to. At that point the teller advised me to withdraw all of my money otherwise he said in about a week it would be sent to you in a check and you dont want that so at that point I told him that he could cash out the account. The following day ( XX/XX/XXXX ) I called CHASE Customer Service to inquire about the reason that my account was closed and was given the number to CHASE Dispute by Phone. When I reached chase dispute by phone they told me that my account was closed due to my issue with the XXXX XXXX and they said that I still had that claim pending. I asked to speak to a supervisor because when I was at the branch the representative said that my dispute was supposed to be handled within 24 hours so as I believed in the first place. Once I reached and spoke to someone in CHASE Dispute by phone escalations I was told that my dispute was resolved at that point and that was the end of the matter. Approximately one week later I would receive three letters. Two on the first day stating that my dispute was resolved and final and then a third letter on the following day stating the same thing. I took these letters as a taunt and an escalation of the abuse that I had already experienced. I figured these acts to be part of the XX/XX/XXXX madness that a lot of childess adults are participating in. This is not common ethical behavior that federal regulated commercers participate in. By CHASE Dispute by phone closing my account after 22 years I no longer have access to my bank statements that the teller also told me that I would have access to. What theyve done to me is very cruel and inhuman! Besides these facts it has been well over one month and I still have yet to hear back from the hotel regarding these disputed charges. | ||||||
| 09/27/2022 | Yes |
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| I have been in a nightmare situation doing a refinance with Chase Mortgage Bank. If you are a small business owner I advise you to read this because the deck is stacked against you. I started the refinance process XX/XX/XXXX. I originally was working with a lender named XXXX XXXX XXXX. On XX/XX/XXXX I asked my business banking connect at Chase to introduce me to some one in the refinance division as I do all my personal and business banking through Chase. The process started as one would expect, I told Chase I was working with another company and provided them with the disclosure information related to the rate that was locked with the other company XXXX XXXX at par ( no point or additional fees ). My lending advisor at Chase was able to submit a request to match the rate that was approved and so Chase begun the application process. The advisor ensured me this would be a swift process given Chase has a very large underwriting team and we were working with the specialty department. The process was no such thing, it was painful and long and atrocious. XXXX was constantly requesting documents that didn't exist, incorrectly calculating DTI and Income and numerous other issues. I provide all documentation and answer to request within XXXXhrs of request from XXXX. XXXX would take XXXX business days to respond. Towards the end of XXXX beginning of XXXX I made the decision to cancel the XXXX Loan and move forward with Chase as I was being told Chase was close to moving to the conditional approval. I paid for an appraisal with XXXX in the beginning of the process and had the home appraised around XX/XX/XXXX. The appraisal came in at ~ XXXX XXXXmln. That appraisal was given to Chase and my lending advisor informed me we would be able to receive an exception for the appraisal. Around this same time I received a call from a Chase appraiser requesting to set up an appointment which I did not do because I informed them we had already submitted the appraisal and received a wavier/exception. Again this was early XXXX. This is a key part and will come back to hurt my family and I down the road. After closing the loan with XXXX to clear a condition for Chase the nightmare continued. We went back and forth with underwriting for another full month. Again my wife an I providing all information required within XXXXhrs and XXXX taking XXXX business days to review the file and for us to receive a response. At this point I was doing everything in my power to try and figure out how this was taking so long and why the XXXX department was so clueless about what documents, taxes, calculations they were making and why they were requesting things that didn't make sense or even exist. I had no transparency or communication from XXXX other then my lending advisor through this process. Things they were requesting that didn't exist, XXXX XXXX transcripts showing no filing has happened yet for XXXX even though they had the extension paper work. In correct usage of XXXX taxes, i.e. requesting a tax filing for an XXXX, which they had because the XXXX flows to my personal return and was filed in a schedule C. Truly just the most insane things from a department that should know how these things work and why they want them. Seemingly toward the end of XXXX, the exact date was XX/XX/XXXX, we had just cleared all/most of the conditional approval items and we were looking good for Clear to Close. I receive a call from my lending advisor stating the exception/wavier for the appraisal was never approved. My XXXX and I were in disbelief and distraught to say the least. It had been XXXX months and the market was rapidly declining. Chase forced us to do another appraisal and we scheduled as soon as we could for the next week with a rush order. Sure enough the Chase lead appraisal came back roughly {$300000.00} less than the appraisal XXXX months ago. This greatly impacted the XXXX and terms of the loan. Reducing our debt consolidation and cash back. We took it on the chin and continued to move forward with the adjusted loan amounts, because there's nothing we can do, if an appraiser things the market as move that much in XXXX months that's there prerogative. At this point the rate had expired and been relocked multiple times and we had no clue what was happening with the loan or cost or cash to close. This is an important point that will come back to hurt us in the end. The very next week we ran into another issue. The XXXX team so a credit card flex loan on a XXXX statement from early XXXX. Which they already should have known about and was being calculated in our DTI because it was on the credit report. The XXXX team decided to deduct that full loan amount from our reserve requirement putting us under the reserve threshold. Again I was in disbelief because this loan DIDN'T EVEN EXIST. Yes, correct it had been fully paid off and documentation was provided to XXXX showing the pay-off and they chose to continue to deduct it. Tell me, how is that mitigating there risk? This requirement is in place to protect lenders in the event there was a default or bankruptcy and the borrower had to pay back the loan. But that wouldn't matter in my case BECAUSE THE LOAN WAS CLOSED. At this point I am ready to throw in the flag. I didn't know what to do, I was calling every manager number and Chase Hotline I could find. No one could help it was always directed back to the lending advisor and everyone answered based on scripts and checkboxes for what they could say and do. No one at Chase cared. I was just another number to them, but yet they are the one losing money for the rate locks and all the time being exerted into this loan in an unnecessary manner. My only option was to look outside of the bank. I turned to the CFPB for questions and help, they directed me to the OCC ( Office of Comptroller of the Currency ) and the Attorney General of XXXX ( home 's state ). I couldn't help to think at this point there was someone in XXXX who wasn't this loan dead or is discriminating against myself or my wife. I use to work at a large publicly traded bank. CFPB informed me to file a complaint but when I learned about the process I couldn't believe that the complaints go directly back to Chase, literally the bank that is causing the issues gets the complaint and power over my situation. is there no government agencies in place to protect little retail consumers like my self? I turned to private litigation, looking for an attorney who specializes in Mortgage discrimination and wrong doings. Nearly impossible to find anyone and very expense. I spoke to XXXX attorneys and either course of action would be more months of suffering and no solution to my lending issue. We continued to press on and figure out a way to get our reserve amounts up. I had to reverse three credit card payments to Chase cards to get the reserve amount above this new threshold. At this point my family is suffering financially. I can't move any of my money between accounts for three months. I couldn't pay debts that they would accept and I couldn't pay credit card bills because they were disallowing so much of my funds and only counting funding in Chase accounts mainly. I was hit with late fees and penalties because of this. I couldn't believe a company could get away with this level of negligence and absurdity when it is hurting retail customers financially. No one could help I was stuck waiting through the process. After hitting the reserve requirement, of course more conditions popped up to which we responded and met within XXXXhrs of request, to which XXXX took XXXX days to respond and review. Finally, today, the day I am writing this we were marked clear to close and ready to schedule. When I reviewed the final loan terms. I noticed chase had included a {$12000.00} fee in " points '' on the loan. I was outraged. I immediately contact my advisor who incorrectly informed me this was due to multiple rate locks and a fee associated to it. I couldn't believe Chase had the audacity to charge me for the duration of this refinance when it was all on them and emails, calls, documentation will support that. Of course I immediately called the escalation team to look into it. There was nothing they could do and informed me they have to contact my lending advisor. My lending advisor called me back and informed me that the fee was actually due to the new appraisal amount. He said that because the appraisal came back so far below the estimate we used- which mind you the estimate we used was the appraisal I had done in the beginning of XXXX that they chose to not use after XXXX months have passed. That there would be this additional fee on top of the loan. So I write this today with no resolution and now stuck with a decision to move forward with this loan that was nothing what it should have been if the process was handled correctly by Chase. I don't know what to do and quite frankly, I don't want the loan with these unbelievable, ridiculous fee that Chase is tacking on. I still can't believe this is all legal and no regulators would want to look into this. I have until XX/XX/XXXX to make a decision. Everything in this story can be validated with emails, record phone calls, and any other evidence needed. I hope for small business owners reading this you make a better choice in a lending partner than I did. | ||||||
| 06/11/2019 | Yes |
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| I am writing you to file a complaint about an unresolved issue with my credit card chase and their benefit and travel departments. This has been my second travel related credit issue with chase. My first experience with chase was also about a credit that they were supposed to process. Chase was either unresponsive or slow. I finally ended up contacting the airlines directly and got a much quicker response and resolution from them. My more recent issue with Chase has been my most stressful and frustrating experience when dealing with any credit card company or for that matter any other company that offers products or services. I am a Chase Sapphire card holder who has been using the card regularly for purchases amounting to hundreds or thousands of dollars every month. I have an excellent payment history with most of the bills paid in full every month. In XXXX of 2019, I bought my XXXX airline ticket for an overseas trip through Chase using my accumulated Chase points. My father passed away overseas a week before my trip. I had to cancel my original trip and leave immediately so I called chase to cancel my ticket. Despite, under a lot of stress and in grief, I had to be on the phone with them for hours. I was put on long holds, transferred to different departments and still did not receive a definitive answer about cancelation of my trip and credit to my account. According to the last customer representative that I spoke with that night, they had to send an email to a different department and that I could follow up with them the following week by Tuesday or Wednesday as they would have processed my cancelation by then. Unfortunately, It is extremely difficult, if not impossible, to be calling from overseas and be on the phone with the credit card company for hours. I had to authorize my husband to follow up on my behalf the following week before his upcoming trip overseas as he had to leave on XX/XX/XXXX, which was our original plan. My husband called them few times and went through the same process of being on the phone for hours either being on hold or being transferred to different departments. He spoke with the main customer service, the benefits and the chase travel. Initially, a representative advised him to contact XXXX directly to cancel my ticket. Finally, after further research, the same representative that he spoke to in the benefit department told him that we should expect to receive a credit because of the death in the family, The representative assigned us a case number and told my husband that Chase would get the refund from XXXX on our behalf. According to him, all we needed was a death certificate. Since we were both expected to be out of the country for few weeks, the representative told my husband that the credit could be processed anytime upon our return or soon after the Chase received the death certificate from us. In XXXX, while still overseas, I received an e-mail on XXXX, XXXX from XXXX in Chase travel who was following up with the death certificate. I e-mailed Chase travel department the scanned copy of the death certificate as soon as it became available to me. I even e-mailed them a translation of the death certificate which was neither required by Chase or XXXX. I sent it to XXXX who had contacted me on XXXX, XXXX by responding to her e-mail from XXXX, XXXX and then forwarded it again to her to make sure that they received it. For personal and family reasons, I ended up staying a little longer than expected and retuned to the United States on XXXX. There was still no acknowledgment from XXXX or anyone from Chase Travel or any other department acknowledging the receipt of my e-mail from XXXX or any other update. Soon after my return, I had to send the travel department my father 's death certificate for the third time and even tried to follow up with a phone call. I also tried to send them an e-mail on XX/XX/XXXX, expressing my disappointment and requesting an update. I also tried to correspond with Chase customer service and Chase travel through my online chase account. Chase travel finally responded with an acknowledgement through an e-mail that they had received and located the death certificate that I had sent them. The e-mail was from XXXX, one of the Travel consultant supervisor for chase travel. According to her, they had forwarded the death certificate to XXXX. She apologized for my experience with them and also asked me to disregard any other emails from them requesting documentation. During this whole ordeal with Chase, I had contacted XXXX numerous times and spoke to different representatives. According to XXXX, In order for Chase to process my credit, they didn't need to forward the death certificate to XXXX. In one of my initials calls to Chase after my return to the United States, I found out that the case number / reference number assigned to us and given to my husband by the by chase benefits department in XXXX could not be used as a reference because I was told that it did not exist in their system. In XXXX and XXXX, I spoke to several people and few supervisors hoping that they could resolve my issue. Customer service agents who seemed willing to help did not have the authority to resolve my issue as there was no outcome and I ended up wasting several hours without any resolution in sight. There was one supervisor in Chase travel department, which was probably being managed by XXXX, named XXXX, whom I ended up speaking with twice. During our brief conversation, She flatly refused to help me or answer any questions. She had the most condescending attitude that I have ever experienced from an agent affiliated with any company. She refused to give me an update or call XXXX. She refused to transfer me to her manager or anyone that could assist me. To top it all, she told me I needed a proof that I was related to the deceased which was contrary to what I had been told up till that point that all I needed was a death certificate. I called XXXX and according to them, a proof of relationship was not necessary or required. XXXX told me that it was their policy that all that was needed was a death certificate and Chase should have processed my credit as soon as they received it. In XXXX, I emailed and I called Chase few times and each time I was promised that a supervisor would get back to me which never happened. One of the last representatives that that I spoke with was on XXXX, XXXX, who was from Chase benefits department. To my utter shock and surprise, he told me that they didn't have any type of claim for me on file. I was beyond hope at that point. He then transferred me once again to their travel department. The representative there told me that they were still waiting to hear from XXXX. I requested to speak with a supervisor and she told me it would be two hours before I could speak with one. She promised that a supervisor would call me back but as always, I never heard from anyone. After several weeks on the phone with Chase and after speaking to XXXX multiple times who repeatedly told me that the delay was from Chase, I finally decided that I would wait and see if the issue would be resolved. Today is XX/XX/XXXX and Chase has still not processed my credit and followed up or called back in response to any of my previous phone calls even when they promised that I would receive a phone call. I have finally decided that I am going to file a formal complaint with every private, state and federal consumer protection agency or organization. I would share my experience on any relevant online or offline forums available to me. I have been a great customer. I may have been frustrated with my experience but have always been respectful in my communications with Chase or its representatives. I have been managing my credit responsibly over the years, had several premium credit card offers as I had met their criteria to apply for their cards with similar benefits as Chase Sapphire. I decided to go with Chase and was hopeful that I would take advantage of their travel benefits. I spent thousands of dollars using my Chase card even though some of my other cards also offered attractive benefits. As stated earlier, I fulfilled my obligation of using credit responsibly and of paying my bills. Chase on the other hand, failed to issue me a credit and fulfill its promise. A timely credit, under the circumstances, was my right. It was according to and within the rules set by both the Chase and XXXX Airlines. Unfortunately, I was never able to utilize the points that I had accumulated. A credit card company at the very least should treat every customer with respect, follow their own rules, keep their promises and follow up with their customers and if required and within the rules, be its customer 's adovocate on his or her behalf when dealing with third parties. I feel that Chase fell short of these basic standards and expectations. It with deep regret that I have to reconsider my business relationship with them. It is a shame that a well known company like Chase offering a premium card such as, Chase Sapphire and charging a $ XXXX yearly membership fee for it, would have such a poor service. It is either a case of extreme mismanagement by chase or a system deliberately designed in such a way that it only benefits the company at the expense of its customers. | ||||||
| 05/06/2021 | Yes |
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| My Chase credit card account will not offer me a Covid-19-related accommodation pursuant to the Cares Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), which amends the Fair Credit Reporting Act XXXX FCRA XXXX. At the beginning, I must acknowledge that my account was paid 30 days late in XX/XX/XXXX, ( and is being reported as such to the credit reporting agencies ( CRAs ) ). However, the lateness is related to a XXXX hardship I endured around that time when a couple of months earlier my mother-in-law ( XXXX y.o., XXXX patient, residing in XXXX, NY XXXX fell and XXXX XXXX XXXX while in New Jersey. She went into hospital there for double XXXX XXXX XXXX and contracted XXXX. She was gravely XXXX for two months. Thankfully, she survived the ordeal although she will never be the same, having continuing difficulty breathing. During this time of anguish and uncertainty I completely lost track of my mail, including the Chase Freedom account statements. After my mother in law emerged from the hospital I was free to give attention to my growing stack of mail. This is when I first recalled that the payment was overdue, and on XX/XX/XXXX, at my earliest opportunity, I posted a payment for the full remaining balance on the account. ( Incidentally, the account had never been late before, and has remained current ever since. ) Now, being an informed person who sees Chase 's advertisements on its website and across social and traditional media expressing its concern for its customers, its offers of Covid-related relief, and its commitment to help customers of XXXX ( like me ) to achieve equity in light of the XXXX nationwide XXXX awakening following the XXXX XXXX XXXX, I sought from Chase an accommodation pursuant to the Cares Act. I was shocked when my first phone call to customer service was met with a failure to even attempt to understand what I was asking for. Perhaps my request was too nuanced. Perhaps it required more consideration than a telephone customer service representative was authorized to provide. So on XX/XX/XXXX I tried again, and was rebuffed again. But this time, upon my request I was politely connected to an escalations specialist, a courteous and knowledgeable representative who I could tell was trying hard to understand my request, but it was clear that he was constrained in his authority to help. I urged the escalations specialist to consider that my request falls into line with not only Chase 's accommodation policy for payment deferral, but with Chase 's FCRA obligations, the Cares Act, and CFPB guidance for creditors to work constructively with consumers in these trying times. It was to no avail. The escalations specialist politely informed me that Chase 's policy would not allow the accommodation I requested, and there was no one else at Chase I could speak with or go to about it. I hit a dead end. This CFPB complaint is what follows. Before I detail the requested accommodation and how it complies with all of Chase 's policy, the FCRA, the Cares Act, and CFPB guidance, I wish to explain the urgent reason why I need an accommodation. I have been on a waiting list for XXXX subsidized housing in New York XXXX for the last 13 years. I am a woman of XXXX, of low income, of advancing age, and I have my own health concerns. Qualifying for subsidized housing in which I can pass my remaining years in relative peace has been my goal for decades. After 13 long years my application number was finally called last year. However, the housing company requires a minimum credit score of 700, and this one late payment dropped my score below the minimum threshold. I am devastated. The housing company has graciously volunteered to hold my application in abeyance while I try to bring my score back up. But they can only help me for so long before my housing application goes to the back of the line, which, with another wait of a dozen or so years, means I will never again have the chance to qualify. Now that I have given you the background of my case and why it is so important to me, what follows is an explanation of the accommodation I seek. I grant that as a furnisher of consumer credit information to the CRAs Chase is obligated to comply with the requirements of the FCRA, and its rules and regulations at 12 CFR Part 1022. The escalations specialist courteously, yet erroneously persisted under the false premise that Chase 's credit reporting to the CRAs could not be changed. What he failed to consider is that the FCRA was amended by the Cares Act precisely to allow Chase to change its credit reporting pursuant to an accommodation. Specifically, Cares Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) amends the FCRA to allow Chase to make changes to its credit reporting if certain conditions are met. An " accommodation '' thereunder includes includes " an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. '' Moreover, if the furnisher makes an accommodation for an account that was already delinquent ( which I acknowledge my account was XXXX, " and the consumer makes the payments ... pursuant to the accommodation ... XXXX which ] brings the credit obligation or account current during [ the accommodation period XXXX the furnisher shall ... report the credit obligation or account as current. '' My request falls squarely within Chase 's policy of payment deferral accommodations. Were Chase to grant the retroactive payment deferral, then the payment I made which brought the account current on XX/XX/XXXX would be deemed to have occurred within the accommodation period, and Chase would then be FRCA compliant in reporting the account as current. In further support, the definition of " accuracy '' in FCRA reporting does not prohibit Chase from changing its credit reporting as customer circumstances change. Quite the opposite. Pursuant to 12 CFR 1022.41 ( a ), " accuracy '' is flexibly defined to accommodate both the terms of the credit relationship XXXX as they would be amended by the requested accommodation ), and the consumer 's performance or other conduct, XXXX as would be reflected in my having brought the account current during the accommodation period ). In other words, by granting a Cares Act retroactive payment deferral ( such that my XX/XX/XXXX payment of the full balance would fall within the accommodation period ), not only would my credit score and hopes of housing greatly increase, but Chase would be free to report the account as current in full compliance with the FCRA, and in furtherance of CFPB guidance to work constructively with consumers in this pandemic era. The escalations specialist further insisted politely that I did not request a payment deferral in advance. But I must remark that the very nature of a pandemic is one where uncertain and unpredictable events are the norm. I did not expect Covid-19 to befall my family. I could not have prepared for that by anticipating I would need payment deferral. To have expected that from me is absurd and the equivalent to requiring that everyone, everywhere should have requested payment deferrals for all their creditors as soon as the national emergency was declared because of the mere possibility that an account could be paid late. Nowhere in the Cares Act are creditors limited in the type of accommodation that can be offered. Rather, 15 USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ) expressly allows for " any other assistance or relief '' to be offered. Chase 's adherence to a payment-deferral accommodation policy that does not take into account situations such as mine is unduly strict, arbitrary, without support in the expressed provisions of the Cares Act, and is counter to the CFPB guidance for creditors to work constructively with consumers in these trying times. To not grant me the requested accommodation results in a perverse result that surely is not in the spirit of the Cares Act or CFPB guidance. Namely, I am in a worse position for having been a good customer and paying off my balance in full immediately upon discovering a lateness during a global pandemic, than if I had somehow had the foresight to anticipate a late payment, request a deferral, and hold my payments back from my creditor. I am being denied relief for doing the right and honorable thing as soon as I discovered my mistake. As it stands, Chase got the benefit of receiving payment of the balance in full without having to accommodate me for a lateness caused by an unanticipated Covid-related emergency, all against the text and spirit of the Cares Act, CFPB guidance, and its own ubiquitous public professions of helping its customers. I am forced to conclude that Chase does not really want to help. Surely this mega-bank could tailor a solution to my needs. But it's public message is apparently just words. I am terribly disappointed, and frankly embarrassed to have to prostrate myself to a mega-corporation with no shame taking staggering amounts of public bailout funds while real people like me suffer for lack of a few more points on a credit score because of an honest mistake during a pandemic, and which was corrected as soon as I had the chance. | ||||||
| 05/26/2018 | Yes |
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Web | Servicemember |
| I am writing to seek help regarding an attempted illegal foreclosure on my home. I reside at XXXX XXXX XXXX, XXXX, MA XXXX. I am six months XXXX with a XXXX XXXX XXXXXXXX, and this legal battle is causing an immense amount of XXXX, which I have been ordered by my XXXX to avoid. This all began in 2012 when while my mortgage lender, JP Morgan Chase had a pending remodification in their system and gave me implicit instructions to refrain from making any payments during the remodification process, simultaneously began a foreclosure process on my home. During this time, they sent investors to my home taking pictures of my property while my children were playing outside, blocking my driveway in an act of intimidation, and shouting slurs at me while I was in the middle of a business conference, ruining my reputation in the XXXX field. XXXX XXXX XXXX had sent a letter attempting to collect a debt on JP Morgan Chases behalf, along with a letter of intent to acquire on HUD letterhead. I immediately requested a RESPA from Chase. I also filed notice with Chase rescinding any power of attorney that may have been conveyed in the purchase of the home, and gave notice that I appointed myself as power of attorney over the property which they sent a confirmatory letter in response noting they had changed the account accordingly. Next, I called HUD and I was told they no longer had a file on my property as JP Morgan Chase had filed a claim for total loss with HUD and had already been reimbursed XXXX ( par value ) for my home. When I asked for proof of payment, the person I spoke to said he could not furnish the evidence as he would lose his job. Upon receipt of the RESPA, there was indeed a line item with a credit to my account in the same amount HUD purported to have paid for the claim. I sued in Massachusetts Supreme Court, but JP said the credit on the account was actually a payment they made to XXXX to release it from a mortgage pool. Since I could not receive a printout from HUD evidencing the total loss claim, the case was dismissed, but the judge gave instructions to JP Morgan and XXXX XXXX that if they were going to move to foreclose they would need to come to his court first, and then told me his doors were always open should I have any further trouble. I then brought suit under FOIA against HUD, requesting specifically for the recorded telephone records to show that I was indeed given the information. HUD provided affidavits staying they did not have the information I was requesting, and the judge found that they had met the minimum requirement for production of documents and she had to dismiss the case. During this time, XXXX XXXX XXXX acting on behalf of JP Morgan Chase published a public notice to auction my home, completely omitting the long list of prerequisites to foreclose, including a right to cure notice, civil servicemember notice, or any other notice that was supposed to be served upon me prior to initiating foreclosure. I filed for preliminary injunction to bar XXXX from illegally foreclosing without due notice or process. This suit was dismissed for claim preclusion because even though I brought suit as a result of new abuses of Chapter 93A, because it was the same parties, it was denied. I appealed to the First Circuit Court of Appeals in Massachusetts. Every single justice in the three judge panel assigned to my case held a pecuniary interest in JP Morgan Chase. One held stock, one held a mortgage, and one held a credit card. I moved to have the judges recused and have the case heard by a new panel of judges that do not have a conflict of interest, this motion along with my appeal was denied with no opinion. I appealed and requested the case be heard XXXX. Of the five judges in the XXXX XXXX, three were the original judges, one recused themselves, and one wanted to hear my case. This too was dismissed for lack of majority vote. I filed a complaint with the Judicial oversight committee which I have never received a response for. I then applied for a Writ of Certiorari from The United States Supreme Court in DC, which was denied and there is a pending motion for rehearing along with a request for review by The Solicitor General. In early XXXX, I received a letter from someone at HUD apologizing for not disclosing the information I requested, and explaining that he did not wish to be a party to a XXXX XXXX lawsuit, and had invested many years in his job and could not afford to lose it. He urged me to carefully scrutinize my monthly statements and look for discrepancies and severe fluctuations in amounts. The letter further urged me to request a Qualified Written Response and RESPA and compare it to the one I received previously and I would have my proof of fraud. I immediately began pulling any statements from JP Morgan that I could find, which wasnt many because after I had sent XXXX XXXX an email several years ago to cease and Desist all correspondence unless implicitly requested by me, I rarely receive anything by mail. Of the statements I could find, they fluctuated from around 1800/mo to 3700/mo at random intervals, and the only description line would say miscellaneous or legal fees. I requested a QWR and RESPA the first week in XXXX. Not surprisingly, towards the end of XXXX, I started receiving strange phone calls, unsolicited house calls and letters from lawyers and real estate agents, as well as strangers taking photos of my home and walking around my yard. After some investigation, I find that XXXX XXXX XXXX had filed a foreclosure complaint in land court without serving me any notice. I called the Registry of Deeds as well as Land court, and I asked how XXXX could see a judge and receive approval to publish civil service members without sending me anything first? I was informed that for one, land court processes are typically an automated process done electronically, and second, that they should not have done anything without notifying me first, and told me to seek a restraining order and a Lis Pendens to avoid being embarrassed by the public notice that would be published soon. I sent an email to the attorney at XXXX that filed the paperwork, as well as the attorney of record for XXXX and for Chase asking that they cease and Desist explaining I have a XXXX XXXX XXXXXXXX and the publication of the servicemember notice will be extremely embarrassing and cause undue XXXX to myself and my child. They ignored my emails and proceeded to seek publication. On XX/XX/XXXX, I requested a temporary restraining order and ask that XXXX and JP be barred from foreclosure action and be ordered to answer the pending QWR and RESPA. The court ordered me to provide service upon both parties with The US Marshalls Service, which I did. On XX/XX/XXXX I send a second request for QWR and RESPA to Chase this time Certified Mail. To date, the only response I received from Chase is a letter stating they received my request and are processing it. The judge in this case is the same judge I had in the last case. He initially ordered a hearing for the motion for preliminary injunction on XX/XX/XXXX. On XX/XX/XXXX, the summons was returned executed as to XXXX and on XX/XX/XXXX was returned as executed to JP Morgan Chase. On XX/XX/XXXX, XXXX entered a motion requesting an extension of time to answer stating that the hearing was cancelled and they feel it would be hard for me to prove why the case shouldnt be dismissed for claim preclusion. On XX/XX/XXXX, a day AFTER XXXX filed this motion, the judge did cancel the hearing and ordered that I show cause as to why the case shouldnt be dismissed for claim preclusion, which leads me to believe there was an ex parte conference of some sort that I was not privy to. I timely filed a response on the order to show cause on XX/XX/XXXX. JP Morgan Chase was to file an answer to the summons by XX/XX/XXXX. They did not file any response, so I filed a request for entry of notice of default. On XX/XX/XXXX, the judge dismissed the case with prejudice and denied the entry of default judgement as moot. I now have to motion for reconsideration, and if denied, would have to appeal to the first circuit, where a majority of the judges have a conflict of interest as having a pecuniary interest in JP Morgan Chase. Without the QWR and RESPA, how do I show the court without a detailed itemization of account that by law should have been furnish over two months ago? Do I enter the evidence from the employee at HUD, and how would I do that without jeopardizing his position there? This whole experience has truly been disenchanting. I thought the judicial system was there to help those who have been wronged and stripped of the most basic fundamental rights conveyed upon them by The Constitution of The United States of America. How is fair that my family be made to suffer, and XXXX an JP Morgan are able to put the life of an XXXX XXXX on the line where people like my husband wrote a blank check to this very country in the amount of his life in service to the XXXX XXXX? How are these corporations allowed to robosign, file false claims and fraudulent documents electronically with no oversight? Why are they excluded from answering my QWR and RESPA? Please help me right the wrongs done to me and restore my faith in the justice system before its too late. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX | ||||||
| 05/17/2023 | Yes |
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| On XX/XX/23 and XX/XX/23, I called Chase claims and filed disputes for a very large number of charges from Amazon ( among a few other various online charges ) that all occurred in an incredibly small span of time in late XXXX and in to XXXX of this year. I was receiving package after package after package to my apartment without ever ordering the items-yet they were all addressed to me. I was severely ill from the first few days of XXXX up until a month ago, and thus did not notice these charges until I went back and looked at my transactions on my Chase mobile banking app. I specifically mentioned to the claims associate that I spoke with on XXXX what was happening with Amazon, and that they needed to take that in to consideration. The total for all of the charges was over {$3000.00}. After the call on XXXX I was informed that I would receive {$3300.00} and {$270.00} in temporary credits while these claims were being investigated. This claim was broken up in to several smaller claims without my knowledge, either by phone or written communication. On XX/XX/XXXX, it was determined that an amount that was being disputed was already being disputed in another claim ( even though I received no information on which claim, when, or other amounts ), and that {$160.00} was to be removed from my account. On XX/XX/XXXX, I was again informed that after an investigation that {$850.00} of transactions were deemed to be approved by me, and that amount was to be removed from my account. I called Chase claims again on the XXXX, and learned that none of the information that I had provided regarding my claim was written down or taken in to consideration. And that I would need to take the time to again gather any supporting evidence and send it to Chase. Lastly, on XX/XX/XXXX, I received two separate letters that additional amounts were approved by me and that {$1400.00} and {$140.00} were to be removed from my account. That very same day, I called Chase was informed that the information that I had again provided was not taken in to consideration, and the charges were deemed approved by me because they were delivered to my address. I visited a Chase branch in XXXX, IL, and was informed that I could use the secure message center to communicate with Chase claims, and that they could not do anything else there to help me. I sent in a very large amount of evidence through the secure message center, including : 1.Two active police report numbers with the XXXX, IL Police Department regarding online impersonation of me on multiple occasions, phishing, and identity theft 2. Direct communication with Amazon confirming that they did not see the activity in question on my account XXXX. Records of orders that were continuing to be attempted using my name and email, but were not made by me or listed on my Amazon account 4. My active report number with the Federal Trade Commission regarding impersonation and identity theft 5. Records of online harassment from my alleged impersonator, 6. My Amazon order history showing that I did not have any of that activity on my account 7. An explanation of a Brushing scam, how it is conducted, and how it makes the transactions appear to be the original user to make it harder for the victim to get their lost funds back. I received communication back through the secure message center repeatedly asking for any Amazon return information, even though I explained multiple times that I can not generate return information for items that I never ordered. Additionally, I communicated with them that per the FTC, I was within my legal right to keep these packages. I visited the same Chase branch in XXXX, IL, and received little to no help, and was told to just call Chase Claims yet again. I called Chase claims multiple times, and was informed over the phone that, not only was I lied to when someone told me that the information I provided was attached to all of the claims that had been filed on XXXX, but that that information was nowhere to be found. I specifically mentioned multiple times that that was what the support I uploaded multiple times was to be attached to, but I was also informed that Chase is aware of this type of brushing scam, that my claim would be escalated, and that I should hear back from someone soon. A few days later, the amounts were removed from my account-despite submitting multiple forms of concrete evidence that it was not me that made the purchases, making my account negative by almost {$1800.00} dollars. I called Chase claims, again, and discovered that not only was my claim escalated incorrectly, but that I had received no information regarding a new claim that was opened up associated with these claims. I was urged to send in paper copies of all the information that I had now provided theee times, and that my claim would get escalated yet again. I printed out almost 30 pages of support showing that I was the victim of a brushing scam, and brought all of this to the Chase branch in XXXX so they could directly fax it to the Claims department. Yet again, I heard no updates or information for almost two weeks, and then received one letter right after the other. First, that one of the claims ( which were for the amounts of {$1400.00} and {$140.00} that I previously mentioned ) was deemed to be approved by me, and that the removal of the credits was final. After this, I received another letter stating that, in fact, Chase agreed that the above charges were indeed fraudulent, and that the credits in my account would be finalized. The problem with this is, Chase removed those amounts from my account previously, so they needed to be placed back in my account, along with all of the overdraft fees that I was charged while my account was in the negative. After I received that communication and noticed that Chase had not placed the funds back in my account to correct for their previous removal, I again called chase claims. I was informed that, without my knowledge or written communication, that multiple claims had been closed and another claim was opened, to which I was never given the claim number for, either by word or written communication. I asked repeatedly if I would get verification that all of the support that I had now sent to Chase claims three times would be attached and included to this new report to ensure that it would be taken in to consideration, and was assured multiple times that it had been. Now, the timeline is at last week. On Thursday, XX/XX/XXXX, I again returned to the same Chase branch to get any information or additional help. I again provided all of my supporting evidence for a fourth time to Chase, and they faxed it in again. Another claim was opened, for which I never received any information for, and I was told that I would hear from someone by Monday ( yesterday ). Around XXXX yesterday morning ( XX/XX/XXXX, I visited this same Chase branch again to see if there were any additional updates. The branch manager not only tried to say that there was nothing she could do ( even though another associate had helped me the week prior ), but that she would again escalate my claim, and that I should hear back from someone within two business days. The last time that I returned to this Chase branch was today, and someone from Chase called claims on my behalf. I was again told that this claim was denied due to evidence from the merchant. Both the bank employee and I, along with my partner, all witnessed this letter in my account that Chase agreed that these charges were fraudulent. The claims teams response was that he had no evidence of that letter on his end, even though it had already been delivered to me, and that there was nothing more he could do. Due to this identity theft and online impersonation, I have had to get multiple debit cards, change my Chase banking information multiple times, close and open an entirely new Chase bank account, and even had to purchase an entirely new phone due to my phone being cloned. Not only have I been harassed online by my impersonator, but now I also have to try and manage that I have been tossed around the Chase claims department multiple times with little regard or care to my situation, have been told that nothing could be done to help me multiple times, that I have had my claim broken down, incorrectly escalated, closed, and reopened multiple times often without my knowledge, or little information to go off of, and that I have had {$2600.00} plus overdraft charges removed from my account after providing substantial evidence four times, through two separate platforms that I was not the one that made these charges. Additionally, I have not had any of the funds that were deemed by Chase to be fraudulent placed back in to my account. It has been clearly demonstrated through the actions of both the Chase claims department and the branch that I visited multiple times for help, that Chase is not taking me seriously, not concerned with my wellbeing, not concerned with getting this claim resolved as quickly as possible, not clearly investigating my claim ( s ) in a thoughtful manner that actually takes the details of my situation in to consideration, and not concerned with the severe emotional and mental distress that this situation with Chase has caused me now for a month and a half. | ||||||
| 07/15/2020 | Yes |
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| To Whom It May Concern : I am going to do my best to summarize my concerns and the order of events as clearly, accurately and succinctly as possible. I will also attach several documents to support my case. Itinerary number : XXXX Ticket numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchased a ticket to return to XXXX on XX/XX/XXXX after my ticket for the following week was cancelled. A notice was sent out from the XXXX government, saying that the border would be closing to all travel on XX/XX/XXXX at XXXX. The only ticket I could purchase would arrive in XXXX at XXXX. This ticket was purchased with no problem or indication that I would not be able to use it. All airports had this notice that the XXXX government issued. My flight was from XXXX, XXXX to XXXX, XXXX to XXXX, XXXX. In XXXX, I informed the ticketing agent ( where you check in for flights ), that it was crucial that I arrive in time for my connecting flight to XXXX. At that time, she did not inform me that I would not be allowed on the second flight. If she had, I would not have gotten on the first flight. When I arrived in XXXX and was waiting in line to check in, it was announced to foreigners that we would not be allowed on the flight. We were told that only XXXX nationals could get on the flight. We asked over and over again for a reason and the only reason they gave was the notice that had gone out the day before ( from the XXXX government ). In that case, we should not have even been allowed to purchase the ticket, let alone get on one flight only to be told we could not get on the other. I attempted to call XXXX and XXXX XXXX all night and I could not get through on either line. The following day, XX/XX/XXXX, I also tried to call both companies ( XXXX and XXXX XXXX XXXX. Again, I could not get through. I had to book a flight back to the US since I could not get to my home in XXXX. This cost me over {$5000.00}. Since then I have emailed XXXX and XXXX XXXX. Both companies told me that the other company would be responsible for any refund. See attachments. When neither company would issue a refund, I contacted my credit card company to dispute the charges. After several weeks the credit card company ( Chase ), issued a credit in the amount of {$400.00} per ticket. The original tickets were {$800.00} each. This is completely illogical. A ticket from XXXX to XXXX ( domestic flight ) is normally between {$75.00} and {$100.00}. It would not cost the same amount as it would to get from XXXX to XXXX XXXX international flight ). I was not happy with this resolution. I continued to make phone calls and send emails. XX/XX/XXXX made multiple calls. I called XXXX and Chase. I began making these calls at XXXX XXXX XX/XX/XXXX XXXX said that they could not issue the refund. They said that XXXX XXXX would have to do this. They NEVER mentioned that XXXX XXXX would be responsible for the first flight ( when I should have been informed that I would not be allowed on my connecting flight ). XXXX also informed me that I would have to call Chase to lift the dispute before XXXX XXXX would look at my request. XX/XX/XXXX I called Chase and told them that I would need to lift the dispute in order for XXXX XXXX to look into my request. At that time, I was told that if I lift the dispute and they recharge my card for the two tickets ( each over {$400.00} ), then I would not be able to reopen the dispute if XXXX XXXX does not issue me a refund. This means I would be out over {$1600.00} for a flight I was not allowed on. For obvious reasons I was a bit weary to lift the dispute. I called XXXX back. XX/XX/XXXX When I called XXXX back, I requested that they give me proof that XXXX XXXX would at minimum, give me the {$400.00} for each ticket, if I lifted the dispute. I could not afford to lose more money. I requested this confirmation numerous times ( on the phone and via email ). See attachments. XX/XX/XXXX, received a message from XXXX XXXX, telling me to contact XXXX XXXX Agencies. The only number provided was international. I can not afford to call XXXX to sort this out and I dont understand why I would have to contact anyone in XXXX. However, I did include them on several emails and no one ever responded. See attachments. XX/XX/XXXX contacted XXXX XXXX. XXXX. One woman told me that she couldnt deal with flights from that long ago and hung up on me. After several hours on hold and being transferred to the wrong department, I finally spoke to someone who gave me the following information : 1. The flight from XXXX to XXXX was approximately {$150.00}. 2. XXXX XXXX was responsible for the first flight XXXX never contacted that airlines to request a refund for that flight. 3. This gentleman also informed me that he has no contact from XXXX on my account. 4. He assured me that if I lift the dispute through my credit card company that I will receive a full refund for the second flight ( from XXXX to XXXX ). The gentlemans name is XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX contacted Chase to lift the dispute ( at XXXX XXXX ) and file a complaint regarding the dispute. If the dispute was properly investigated, I would have received a credit for nearly {$650.00} per ticket as opposed to {$400.00} per ticket. This has cost me a great deal of time and money. There was nothing logical about the amount credited as a resolution to my dispute. Giving me half of the cost of the ticket was illogical. The first flight was a domestic from XXXX to XXXX. This flight would never be the same cost as the second flight, which was international ( from XXXX to XXXX, XXXX ). For this reason, I am very disappointed in the dispute process of Chase. XX/XX/XXXX at XXXX XXXX. I was told I will get a call back from Chase regarding my complaint about the dispute. XXXX also informed me that if things do not work out, I can call back and reopen the dispute. I was told that the dispute will be lifted so XXXX XXXX can issue me a full refund for the second flight ( two tickets ). Emailed XXXX to provide the information received from the XXXX XXXX representative on XX/XX/XXXX at XXXX, at XXXX ( XXXX ). Called XXXX to provide the same information that I provided in an email : XXXX XXXX. XXXX XXXX I was literally on the phone the entire day, dealing with this. XX/XX/XXXX - Submitted a complaint to the XXXX XXXX XXXX XXXX against XXXX XXXX, online. Also emailed XXXX. Assigned ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX Called Chase on Monday, XX/XX/XXXX at XXXX am XXXX still no resolution. A supervisor will call back. Supervisor called. Call was disconnected and the supervisor did not call back. Called Chase again I informed the representative that I was previously told that I could close ( lift ) the dispute and Chase would rebill the account so XXXX XXXX could give me a full refund for the second flight. I was told that if XXXX XXXX does not keep their word then I could reopen the dispute. Called Chase on Wednesday, XX/XX/XXXX at XXXX I was disconnected. Called back and asked for a supervisor. XXXX ( XXXX ). She did not understand what I was requesting and was extremely rude. She continued to interrupt me every time I spoke and would not listen to me. I was trying to explain the problem but she kept referring to the notes in the system that were no accurate. She insisted that I received more money than I was entitled to and then told me to write a letter with my math equations in it. She was very condescending and incredibly unprofessional. Called Chase on Wednesday at XXXX spoke to XXXX ( very helpful ). Issued me a courtesy credit of {$100.00}. She is also sending notification to merchant XXXX XXXX XXXX XXXX to verify that the funds were returned ( {$400.00} per ticket ) so they can move forward with the additional credit. Filed a complaint to Consumer Financial Protection Bureau. The CFPB began accepting complaints against credit card companies in XXXX. You can file a complaint on-line, by phone or by mail. Online : www.consumerfinance.gov/complaint Phone : ( XXXX ) XXXX ( XXXX ) Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX In summary, I purchased a flight to my residence in XXXX. This service was not provided. I have requested a refund. It has been over 3 months and my refund has not been processed. This is unacceptable. I was volleyed back and forth between companies that didnt want to take responsibility. My time is valuable and this has added undue stress to an already stressful situation. I am XXXX and trying to feed my XXXX. Please tell me how we can move forward to resolve this issue and who I need to speak with to report each of the agencies involved. I am not happy with XXXX, XXXX XXXX, XXXX XXXX, or Chase. If necessary, I can supply videos from the moment I was told that foreigners would not be allowed to board the flight that day. Please read all attached documentation and feel free to reach out to me if you need any clarification. Thank you for your time and consideration. Ideally, I would like a full refund in the amount of {$1600.00} ( {$800.00} x 2 + {$15.00} XXXX transaction fee ) AND {$51.00} for the hotel stay in XXXX, totaling {$1600.00}. I tried to upload more attachments but was only allowed to upload 15. I have more email correspondences. XXXX XXXX XXXX XXXX | ||||||
| 01/20/2022 | Yes |
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| XXXX Chase Card ending in XXXX Summary : My credit card was fraudulently used to purchase and pick up an XXXX at a XXXX location while I am out of the country. I have sought to resolve this issue directly with my credit card company but they have refused to recognize the charge as fraudulent. I am seeking for this charge to be removed from my account immediately. Below is a detailed timeline of events surrounding this case. Timeline of Events Regarding Fraudulent Card Purchase XX/XX/XXXX I and my family moved overseas for a work assignment in XXXX. As of this date, every purchase on my XXXX Chase card since has been for XXXX. I exclusively use this card for XXXX purchases when overseas and have not used it for any other merchant. The address associated with the card is still in XXXX, GA at my parents current residence. However, the physical card is in my possession in XXXX and has been since moving here. There are no authorized users on my account beside myself and I have not given my card number to anyone else. XX/XX/XXXX XXXX I logged into my Chase phone application to check my bill for the month and noticed a charge of {$1500.00} dated XX/XX/XXXX that had just hit the card and was still pending. The merchant was listed as XXXX. It was after closing hours so I had to wait until the next morning to contact Chase. XX/XX/XXXX XXXX AM Thinking it was probably an internet scam, I contacted XXXX Chase fraud services department by phone immediately upon opening hours. I reported the charge as fraud and was told that the charge would be removed from my account and not to make any payments related to it. I made my monthly payment to cover the remaining card fees. I also requested a new card since my card number had been compromised. Chase indicated they would immediately cancel the old card and re-issue a new one. I also requested for my phone number to be updated at this time. The phone number ( ending in XXXX ) associated with the account was an old one that I have not had since XXXX of XXXX. I requested it to be updated to my current phone number. XX/XX/XXXX The XXXX charge dropped from my account and I assumed all was well and handled under Chases zero liability policy. XX/XX/XXXX I received notice via the Chase application that my fraud claim had been reviewed and that I was deemed responsible for the XXXX charge since merchandise was billed to or shipped to your address ( Attachment XXXX XXXX. The charge was reapplied to my account. Puzzled, I phoned Chase and asked them to re-open the fraud investigation. Using the number associated with the charge that had hit my Chase card ( XXXX ) I was able to go through the XXXX XXXX website as a guest user to lookup the purchase information. I do not have an account with XXXX XXXX and I never have, but using the order number indicated on the credit card charge ( XXXX ) along with my old phone number ending in XXXX I was able to locate the order. The purchase information showed that on XX/XX/XXXX my card and name were used for an online purchase of an XXXX. The XXXX was picked up the same day in store at XXXX XXXX XXXX, GA. It is worth noting that the email address used was not my email address and the name used was not my full name ( my Chase card includes my middle name on the card ). I immediately sent an email to Chase fraud services including the following supporting documents : ( 1 ) Passport with visa stamp to show my entry to XXXX ( attachment XXXX and XXXX ), ( 2 ) XXXX flight receipt showing a one way ticket to XXXX as of XX/XX/XXXX ( attachment D ), ( 3 ) photo of my Chase credit card showing it is in my possession ( attachment XXXX ), and ( 4 ) screenshots of the XXXX order showing pickup in XXXX, GA under a different email address and phone number than my own ( attachment XXXX ). XX/XX/XXXX While waiting to hear back from the chase fraud investigation, I decided to contact XXXX XXXX XXXX and see what I could find out from their end. I spent over 2 hours on hold and spoke to three different people ( 2 in store, XXXX and XXXX, and 1 with their customer service system, XXXX ). Both people in store could not tell me who the designated pickup person on the order was. XXXX XXXX has a policy to check both credit card and ID on order pickup, but the employees could not verify if that had been done or not. After explaining the situation, I was placed on hold multiple times only to have the call dropped after a 20 minute wait. Finally I was patched through to a customer service rep at a call center for online services. She listened to my situation and indicated that she would open a ticket ( # XXXX ). She also stated that I should expect to hear from XXXX XXXX. I provided my email address for further contact but to this day have received nothing. XX/XX/XXXX I received a letter via the Chase application stating that the fraud claim had been reviewed and the transaction was still deemed as valid. No further reason was indicated. Notice that now the letter indicates account ending in XXXX since my old card had been closed and a new card issued ( Attachment XXXX ). XX/XX/XXXX I received a voicemail from Chase asking me to call the fraud center ( attachment XXXX ). I called them back the same day and was told that the supporting documents I had sent in via email attachment could not be viewed because the format was unreadable ( they were all png and jpeg documents ). The representative asked me to re-send the documents and make sure they are screenshots included in the body of the email. I resent all of the documents the same day. I would like to point out that Chase sent a letter dated XX/XX/XXXX saying they deemed the my claim invalid but they contacted me on XX/XX/XXXX saying they were not able to see the supporting documents that I had attached. This seems to indicate that Chase does not WANT to see the evidence or adequately pursue the details regarding this fraud claim. XX/XX/XXXX at XXXX XXXX Realizing that Chase was not working with me on the fraud investigation and seemed rather to be working against me, I went ahead and contacted XXXX Police Department to file a police report regarding the unauthorized use of my card number. I spoke with officer XXXX and filed a police report with confirmation number XXXX ( attachment XXXX ). Officer XXXX asked if I wanted the case investigated. I asked what that would entail, and he said that if they investigated and found the person responsible then I would be required to come back from overseas and testify in court. I am currently XXXX weeks XXXX with my third child ( also have a XXXX year old and XXXX year old ) so I am unable to travel to the States for the foreseeable future. Also, considering plane tickets from XXXX to XXXX, GA cost upwards of {$1300.00} sometimes up to {$2000.00} round trip, the cost of the return trip would far exceed the fraudulent charge on my card of {$1500.00}. Due to these reasons, I was forced to indicate that I did not want the case investigated and only wanted the police report for documentation purposes. I did not initially file a police report because Chase immediately removed the charge from my account. I wrongly assumed it had been an online order ( XXXX ) and that the charge had been stopped before the merchandise was delivered. When Chase re-applied the charge to my account over a month later, I was able to use the order number included in the charge detail to discover that the merchandise was picked up in store the same day of purchase. XX/XX/XXXX I received another notification from Chase via the phone application that my case had been reviewed but yet again charge is still deemed as valid ( attachment XXXX ). Chase gave no further reason or proof as to why they believe the charge is valid. Though I have sent them an abundance of evidence, they are refusing to uphold their end of the cardholder agreement to protect their cardholders from fraudulent charges. Chase should have noticed the unusual activity from the time the XXXX charge originally hit the card. Every other card company I have used has been quick to contact me if a charge seemed unusual or out of my normal patterns. Chase, on the other hand, has continued to insist that a charge was valid even though I immediately reported the charge and have provided ample proof that I and the card were out of the country and had been for months prior to the fraudulent purchase. My card history itself showing exclusively purchases for XXXX XXXX over the prior three months should have been enough for Chase to recognize that the purchase was fraud and to stop the charge before it was even completed. Instead I have lost hours of time, lost sleep ( dealing with a XXXX hour time zone difference to make calls Stateside ), and am facing the possibility of debt collections over a {$1500.00} charge that I could not possibly have made and for an item that I could not possibly have picked up. Chase has failed to provide their reasoning for not recognizing this fraudulent claim as fraud, other than the fact that the address on the order matched the billing address for the card. It may be worth noting that as I am a XXXX XXXX in the state of XXXX, anyone can look up my name and find my Stateside address as public information. Therefore Chases argument is extremely weak at best. | ||||||
| 11/10/2020 | Yes |
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| Hello CFPB, Kindly please help on the following issue and illegal negative credit reporting practiced by CHASE Bank. For Reference : Following CHASE CASE NUMBERS THAT ARE OPEN as of today. XXXX - Credit Card Late Fees - Asking to Remove. XXXX - Fraud on Checking Accounts. Bank Error made in processing Fraud Claim. CHASE AGENT handing the case as of XX/XX/2020, Name : XXXX Phone : XXXX XXXX XXXX XXXX XXXX I also Talked to Agent XXXX : Phone : XXXX XXXX XXXX XXXX XXXX XXXX ( Won't be able to reach just for Reference ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Also, CHASE CREDIT CARD Team CHASE FAX NUMBER : Fax : XXXX XXXX XXXX XXXX Case Number : XXXX Dates of Closures : XXXX ( XX/XX/2020 ) - {$500.00} XXXX ( XX/XX/2020 ) - {$5300.00} XXXX NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Not willing to give. This was a Bank Error from CHASE Savings or Checking Account. This was an error on their part. They ( CHASE Cerdit Card Dept ) need documentation that there was Fraud on Savings Account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2020 To, CHASE Executive Office 3XXXX XXXX XXXX, XXXX, OH XXXX SUBJECT : Case Number : XXXX - Request to CHASE to communicate to Credit Agencies and Undo the Damage which CHASE inflicted on identify theft victim ( myself ). In spite of full knowledge and documentation and proof that transactions were unauthorized, CHASE reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by XXXX points on average. ( XXXX score to around XXXX score ) .This reduction of Credit Score has affected my life and well-being drastically during Pandemic. Hello CHASE, This request is to remove the Late Fees Charged by JP Morgan Chase Credit Card Dept. During the entire process of Identity Theft issues, which now has been resolved in my favor, CHASE credit cards which were automatically being paid by the Compromised CHASE savings account has been not considerate of my request as a victim. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. Kindly please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identity theft victim ( myself ). As you already know, that the unauthorized transactions ( all 33 reported ), has been refunded back to CHASE by XXXX and eventually to me. Please find the proof ( statement details attached ) that the refund took place and this issue has been resolved in my favor ( in victims favor ). In good faith, I have paid all the Purchase transactions to CHASE credit Cards. Even before the fact that any amount of unauthorized transactions were refunded to me. I Sincerely, do not believe that I ( the victim ) should be liable for payment of late fees and transaction bounce fees of CHASE Credit Cards, which were paid by compromised savings account. If this was the case, CHASE should have notified me about this in writing that we hold identify theft victims liable to immediately pay CHASE, even if there is no balance in account. My savings account had been wiped out completely leaving me and my family in a desperate and dire situation during the Pandemic. Because this account was closed by CHASE, hence the payment did not go through and CHASE Credit Cards, in spite of knowledge of the theft, kept charging late payment and interest. In multiple calls and emails, I have requested CHASE Credit Card to Freeze the Cards and they havent done so. Instead, CHASE has reported late payment to Credit Agencies, resulting in my Credit to be reduced for over XXXX points ( XXXX to XXXX ) during the months of XXXX to XXXX. CHASE Credit cards should not have done such negative reporting to someone who has been a victim of identify theft. Especially, after the Case has been resolved in Victims favor. Also, during the months of pandemic, I believe as per law, a company should not report bad information ( late payment ) for anyone, especially not the customer who has been victim of identity theft. In spite of the knowledge and CHASE credit card charged late fees, transaction bounce back fees and interest as a result of identity theft ( compromised CHASE account ) which was closed by CHASE and the account was paying CHASE credit cards. As you may already know, I had given CHASE the police report as well as detailed information of all the 33 transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. Please refer to following Case numbers for Identify theft issue Ref : Case # XXXX - Chase Claim number XXXX XXXX Case ID : XXXX - Notice # 2 to CHASE. I had given CHASE the police report as well as detailed information of all the XXXX transactions which were not authorized by me. In total, all of the Fraudulent charges not authorized by me totaling in amount of {$16000.00} and CHASE Fees + Fines were {$160.00}. Additionally, I have also filled & signed the form sent by CHASE on and sent it via Fax and letter on XX/XX/2020. As per advice by Mr. XXXX XXXX ( Asst. VP ) of CHASE Bank Branch in XXXX TX, and as per Bank manager of XXXX TX, Mr. XXXX XXXX input during my in-person visit on XX/XX/2020 and earlier, I was told that as a victim of identify theft, ( when it is proven that transactions were unauthorized ), CHASE shall do their very best and ensure that my credit is not affected and shall help the Victim. However, to my disappointment CHASE has done the exact opposite. CHASE has been attempting to victimize the victim even more by punishing the victim via reporting negative credit to the major credit agencies. Credit agencies has confirmed that negative remarks on my credit is due to CHASE and also official dispute has been raised for this on my behalf. As per confirmation from CHASE Claims Depts as well as all CHASE Branch, and phone conversation with XXXX, it has been confirmed that XXXX was used to commit fraud in case of all the 33 transactions which were not authorized by me. XXXX was used tool to commit fraud and place transactions in my account which were not authorized by me. CHASE finally refunded all the unauthorized transactions amount which XXXX had reversed. Earlier CHASE had only reversed transactions in amount of {$7400.00} and given me temporary credit. Finally CHASE refunded me the remaining amount of {$9000.00}. The final confirmed refund of unauthorized transactions totaling {$16000.00} and CHASE Fees {$160.00}. Attached : Statement describing transaction reversal of the latest unauthorized transactions. Note : Remaining of all of 33 transactions have been proven to be unauthorized and case has been in favor of victim ( myself ). Following are the names of Agents that I had conversation at CHASE Credit Card Dept. AGENT NAME : XXXX XXXX Account Supervisor Mailing Address : XXXX. XXXX XXXX XXXX DE XXXX Email : Agent was not willing to give. Case Number : XXXX Dates of Credit Card Closures : XXXX ( XX/XX/2020 ) - {$500.00} ish XXXX ( XX/XX/2020 ) - {$300.00} ish Agent mentioned over recorded line to prove that this was either a Bank Error ( or unauthorized transactions ) from CHASE Savings or Checking Account. Agent mentioned to remind the CHASE executive office that they should communicate to CHASE credit card that this was an error on their part ( and transactions were unauthorized. Also agent said that they need documentation that there was Fraud on Savings Account. Kindly please send the documentation attached in this email to CHASE Credit Card services at the address mentioned above, or otherwise deemed suitable to you. CHASE Credit Card constantly demanded payment from Identity theft victim ( Myself ) and Reported Negative remarks to Credit Agencies resulting in credit score of the victim to reduce by XXXX points on average. ( XXXX score to around XXXX score ). Finally, as I have paid all of my Purchase amount of credit cards ( inspite of being a victim ), I request CHASE to remove the late fees and be considerate of situation of a identity theft and Fraud victim ( myself ) during the Pandemic time. CHASE should Undo the damage they caused to me by reporting negative remarks to the Credit Agencies. This reduction of Credit Score has affected my life and well-being drastically during Pandemic. Kindly be considerate of customer who is a identify theft victim and still has paid your credit cards ( the purchase amount ), in good faith when CHASE was not doing well as a company during pandemic. Kindly please remove the negative remarks and all late fee and interest charge balance on CHASE Credit Cards of identify theft victim ( myself ). I request CHASE to kindly initiate the process with Credit Reporting Agencies and CHASE credit cards for removing any negative remarks on my Credit History, as soon as possible. Thank you, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX TX | ||||||
| 04/19/2019 | Yes |
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| I found a house for rent on XXXX XXXX XXXX and contacted the renter through XXXX XXXX XXXX on XX/XX/XXXX he contacted me saying send me XXXX which would be 1st months rent and deposit and do it through XXXX so I gave the approval through my bank and then he sent me a contract to sign for the rental house and when I got it he wanted XXXX more so I did some digging a little to late and here he didn't even own the house he was using the owners names and everything I contacted my bank chase which of course because gave permission they can not do anything I can not afford to lose this money I do not work for being a XXXX to my mother and sister please help me get my money back here are the XXXX that have gone on between us. My name is XXXX and I was wondering if the house is for rent and if we could look at it my number is XXXX thank you XXXX XXXX XXXX Good Morning, Just a follow up, XXXX revised code 5321.01 does not state anything about a minimum rental agreement amount. I am a bit confused and concerned at this point seeing as how I have sent you a months worth of rent and a security deposit. Please let me know how you plan to proceed in this matter. Thank you. Hide quoted text On Thu, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX XXXX , I contacted my attorney, and told him i will be renting my house to you, so i forwarded all the emails between us, and my ( Attorney ) is very pleased with your application form and he also stated he is sure you will take good care of the house.I also told him you have made a total payment of ( {$1200.00} ), and he stated for everything to be Legal i have to send you a Rental Agreement Form for you to sign and that you are to pay the 2 month payment of 1,400 dollars to make the rental process Legal.Since my house is a beautiful house. so you should have no problem with that as it is part of the move in cost. Making it a total of {$2600.00} as the move in cost, which you have paid {$1200.00}. I hope you understand.I will be sending the keys and document of the house as soon as you agree to the terms and condition in the Rental agreement form and go ahead with the 2 month payment ( {$1400.00} ) with the same payment information you used in making the full payment. After which you could move in at your convenience as soon as you get the keys and document. Once you make the payment you are to print out the Rental Agreement Form and apprehend your signature and you will have to send it back to me so i could go through it, once i confirm the payment and then i will instruct the XXXX agent to go ahead in sending the keys and document to you.So if you could do this today, you will be getting the keys and document tomorrow asap. i are so happy you will be our new tenant. Thanks for your understanding.I have attach the Rental Lease Agreement Form ... Remain Blessed. On Wednesday, XX/XX/XXXX, XXXX XXXX GMT+1, XXXX XXXX XXXX wrote : Thank you so much my address now is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and as I said I do have to give my landlord a month notice and also how do I get the money to you I can pay the whole XXXX On Wed, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello, XXXX I have go through your application form that you filled and everything is okay by us, well we just want you to know that you can live there as long as you want, also you can move out anytime you want..But you just need to inform us a month before you leave, so that i can be able to look for another good tenant.We are very exited and willing to let you move in our house as soon as possible and i have conclude with my family on accepting payment for the first month rent which is {$700.00} and a security deposit of {$500.00} which is sum of {$1200.00} to move in as soon as you are ready.just get back to me with mailing address where The package containing the keys and documentations of the house will be delivered to you through Courier Service, and you have to pay some payment to hold the house if you are not ready to move into the house now.just for us to be convinced that you really want to rent the house and you want us to keep the house for you.you are to decide if you will pay the deposit or the first month rent first, So get back to me to know where we will be sending the keys and the document to On Tuesday, XX/XX/XXXX, XXXX XXXX GMT+1, XXXX XXXX XXXX wrote : Good Morning , I figured it out. I understand your need to find a mindful and caring family for your home. I have been caring for my mother and sister for some time now and have been searching for the perfect home closer to my daughter and her family. I believe this is that home. I would most likely have a cleaning service come in once a month and otherwise maintain the home myself and with my daughters assistance. I am their XXXX XXXX XXXX XXXX, so the house would have my full attention. I would love to meet you at your earliest convenience. Again my phone number is XXXX. I look forward to your reply. XXXX XXXX XXXX RENTAL APPLICATION FORM. FULL CONTACT NAME : XXXX XXXX XXXX OCCUPATION : XXXX RESIDENTIAL HOME ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX YOUR CELLPHONE NUMBER : XXXX WHAT TIME IS THE` BEST TIME TO REACH YOU : XXXX - XXXX AGE & MARITAL STATUS : XXXX Single OWN A PET : No OWN A CAR : Yes HOW MANY PEOPLE SHALL RESIDE IN THE PREMISES : 3 ATTACHED ID/DRIVERS LISENCE : See attached ANTICIPATED MOVE IN DATE : XX/XX/XXXX ( ASAP ) REFERENCE : XXXX XXXX & XXXX XXXX XXXX ( XXXX , Ohio ) IF YOU ASK TO MAKE A DOWN PAYMENT TO SECURE THE HOUSE TODAY AND TAKE IT OF MARKET, HOW MUCH CAN YOU COME UP WITH IMMEDIATELY : 1st Month and Security Deposit ( {$1100.00} ) I XXXX XXXX , Certify that answers given herein are true and complete to the best of my knowledge. I authorize investigation of all statements contained in this application for tenant screening as may be necessary in arriving at a tenant decision. I understand that the landlord may terminate any rental agreement entered into for any misrepresentation made above.You can Call me or Text Me @ XXXX, The Rich and Poor Deserves Happiness. Sincerely. XXXX XXXX XXXX & family. On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : Hello Thanks for your interest and inquiries about our house. Yes the house is still available for rent and we are looking for a responsible person/family to occupy and maintain the house now that we are not around. My Wife and I must confess this its my first time of renting my house. However, due to the situation of my sick mother who was involved in a tragic accident, i have to move to XXXX XXXX for her proper care with my mother. We will be staying in XXXX XXXX for at lest 2 years more or less and that is why we have made up our minds to put up the house for rent to whom ever that will take good care of it and we intend getting a bigger house again as soon we are done with the treatments. i am not renting my home because of my mother present condition but because i need someone to take good care of my property as we can not leave the house empty just like as we will be here until my mom gets well. Let me know as soon as possible if you can take good care of it, so that we can discuss the rent further. We only look forward to having a very good tenant that can take proper care of our property in our absent .... DETAILS ABOUT THE HOUSE. Property address XXXX XXXX XXXX, XXXX, XXXX XXXX Bedrooms : 3 Bathrooms : 2 sqft : 1,556 Rent is : {$700.00} security Deposit is $ 500..Security Deposit Is Fully Refundable Pets : Accepted PLS NOTE : This house is no longer for sale anymore but now for rent and Utilities included in monthly rent So therefore if you are interested in signing a lease? below is the rental application form kindly fill it out. RENTAL APPLICATION FORM. FULL CONTACT NAME_________? OCCUPATION_________? RESIDENTIAL HOME ADDRESS_________? YOUR CELLPHONE NUMBER_________? WHAT TIME IS THE` BEST TIME TO REACH YOU_________? AGE & MARITAL STATUS -- -- --? OWN A PET_________? OWN A CAR_________? HOW MANY PEOPLE SHALL RESIDE IN THE PREMISES_________? ATTACHED ID/DRIVERS LIsENCE_________? ANTICIPATED MOVE IN DATE_________? REFERENCE_________? IF YOU ASK TO MAKE A DOWN PAYMENT TO SECURE THE HOUSE TODAY AND TAKE IT OF MARKET, HOW MUCH CAN YOU COME UP WITH IMMEDIATELY_________? I ___________, Certify that answers given herein are true and complete to the best of my knowledge. I authorize investigation of all statements contained in this application for tenant screening as may be necessary in arriving at a tenant decision. I understand that the landlord may terminate any rental agreement entered into for any misrepresentation made above.You can Call me or Text Me @ XXXX, The Rich and Poor Deserves Happiness. Sincerely. XXXX XXXX XXXX & family. On Friday, XX/XX/XXXX, XXXX XXXX GMT+1, XXXX XXXX XXXX wrote : My name is XXXX and I was wondering if the house is for rent and if we could look at it my number is XXXX thank you XXXX XXXX XXXX. and through text he gave me the this to send the money to through XXXX XXXX. I really need my money back I think it's sickening that a bank ( chase ) that we have been with for years will do nothing to help I hope a lot of people see this so they don't get scammed out of all their money and how XXXX and chase won't help | ||||||
| 10/17/2022 | Yes |
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| I have been racially discriminated while trying to do busines with Chase bank. On Thursday, XX/XX/XXXX, my mother and I went the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to have a document notarized. We had a similar document notarized at that branch less than a year ago with no issue. We were told that the notary was too busy to assist us that day as they had many appointments ahead of us. We were told to return the next day after XXXX as that would be the best time to see the notary. We returned on Friday at XXXX and were told again that the notary was " very '' busy with appointments and that we should have made an appointment. I insisted that we would wait and was actually seen within 30 minutes of arrival. This is where thing took a wrong turn. The notary was a woman that I have never interacted with before at this branch and she quickly stated that she was not sure that she could notarize the document. I asked why and she said because it was from a foreign country. I pointed out that we had a similar document notarized there before and she insisted that she would have to consult with her manager. She returned a few minutes later and said that her manager told her that he " didnt '' know if they could notarize it and they would have to send a copy to the legal department for clarification. She suggested that we take the document " somewhere else '' or to " someone else '' to have it done. I advised her that I will wait for the answer from her legal department so she made copies of the documents and said she would get back in touch with us by phone no later than Tuesday, XX/XX/XXXX. We have never received a response from the bank. We have since had the document notarized ( " somewhere else '' ) without any issue, but I stopped at the branch on Tuesday XX/XX/XXXX to speak to the manager. The person in the lobby suggested that I leave my number for him to call me back as he was busy. I declined and advised her that I would wait. She went in the back and returned and stated that the manager said that he was 'very busy '' and that if I left my number, he would call me back. I declined again and told her that my complaint was actually about never receiving any call back from the branch. She took that information back to the manager who appeared almost immediately. He told me that he was really too busy to see me but asked what my issue was. I told him of the previous interaction ( XX/XX/XXXX ) and his involvement in it and he stated that the notary was on vacation, and he had no access to her email to see what response she might have gotten from the legal department. He repeated that he was too busy to assist me, but that he would call me back shortly if I gave him my name and number. I left the branch and called Chase 's customer service and made a complaint online to the Chase call center. About 1 1/2 hours later I got a call from the manager who identified himself as XXXX XXXX, who said he was returning my call, " but he did not remember the reason that he was calling me back ''. I was INSULTED, VERY INSULTED, and told him that I had just made a complaint via the call center so I didn't feel the need to have a conversation with him anymore and he flippantly said, " ok, I will remove it from things I had to do ''. As a XXXX person I have to wonder if my XXXX played a role in the recent interactions at this branch especially with XXXX XXXX XXXX, the manager. Why couldn't I have waited to be seen by him at the branch. Why was he not aware of the reason for calling me back. Is this implicit bias or just XXXX behavior on his part. On XXXX, I got a voicemail response from Chase stating that they had investiagted my complaint and concluded that the branch did nothing wrong as each branch can decide what documents they choose to notarize. I sent the following email in repspone to the voicemail : Good evening, Below is my previous complaint sent on Tuesday, XX/XX/XXXX detailing a very negative interaction with some members of staff at one of your branch in Florida. I received a follow up voice mail yesterday from your customer service representative ( XXXX ) who was assigned to investigate my complaint. The response from XXXX was both tone XXXX XXXX XXXX She has not addressed my complaint but simply stated a Chase policy which has nothing to do with the cause of my complaint. In responding to my complaint, she stated that the branch did nothing wrong as " notary services are completely up to the discretion of the individual branches ''. That however was not my complaint and if she had actually taken the time to read and properly investigate my complain instead of stating a company policy, she might have resolved my issue. I want to restate my complaint as clearly and concisely as possible and hope that you assign this to someone other than " XXXX '' who clearly does not have the investigative skills to handle a complaint and who merely left me a cookie cutter reply three weeks later. ( 1 ) The complaint is not about the discretion of an individual Chase branch. My complaint is that I had the same document notarized previously at the same branch. Coincidentally the notary on the previous occasion at this branch was a XXXX man who notarized the same document without any issue. Now on this occasion, with the same document, a XXXX woman and her XXXX manager " PERCEIVED '' a problem with the document and stated that per CHASE 's policy they had to send a copy to CHASE 's legal department to verify that they could notarize it. This is cleary not about " local discretion '' as the notory stated that she had to follow CHASE 's policy ( not a local branch policy ) and needed guidance from CHASE 's legal department. The XXXX XXXX notary last year at the same branch did not seem to have needed guidance from CHASE 's legal department to verify ID 's and notarize the forms. This time, the XXXX female notary and her XXXX XXXX branch manager told me that they would contact us in no less than four ( 4 ) days ( Tuesday XX/XX/XXXX ) with the information they would have gotten from CHASE 's legal department, but still as of TODAY, ( XX/XX/XXXX ) they have failed to notify me ( now maybe, just maybe, the CHASE legal department has given them the ok to notarize the document, but your corporate representative " XXXX '' has failed to deal with that part of my complaint ). It seems that XXXX was too quick to miss that part of my complaint that I still have not been contacted by the branch, her only respone being that the branch has discretion to offer notary service. I wish to restate that this copy and paste, cookie cutter response to my complaint from XXXX highlights the total lack of respect from Chase towards me as a customer. What exactly was the response from CHASE 's legal department back to the branch regarding my document... .I am still waiting to be informed. ( 2 ) The rudeness of the Branch Manager and his temerity to state that he can not speak to a customer inside the branch because he is too busy. He actually calls me back but then tells me he does not remember why/what he was calling me back in reference to. He didn't care that he never noted what my issue was before calling, he just decided to cold call me back. I need to know what level of customer serivce is Chase offering to it's customers, or is this also left up the the discretion of the local branches. I am now demanding that you take my compliant with the seriousness that it deserves, and not brush it aside and deliver cliche responses. I need to know what was communicated back to the branch from the legal department and if the branch actually sent anything to the legal department for review. I thank you for you attention and look forward to a speedy and full resolution of my concerns. Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I tehn recevied a call from a new representative, XXXX, who wanted a copy of the document we took to the bank. I told him that i did not have a copy anymore but the woman at the branch had made copies. He called me back 2 times telling me that he was still investigating and would get back to me. he called back on Tuesday, XX/XX/XXXX telling me that he needed more information, particalary the name of the person at the bank, and i advised him that ididnt but the manager would know. He stated that the manager does nbot know the name of the person, yet my complaint was both about the manageXXXX and the employee. I told XXXX that I did not want to hear from him again unless it was about the conclusion of his investigation. I have since recevied an email from Chase stating that they will not contine the investigation beacuse i have " refused ' to supply a copy of the document. I had already told XXXX more than a month ago that i didnt have a copy anymore, yet this is now the excuse for not addressing my complaint. The people ast the branch made a copy that they said they were forwarding to Chase leagl department. They already have a copy unless that was just to get me out of the branch. This is blatant discrimination by Chase and it needs looked into. A XXXX employee notarized the same type of document at the same branch just months before wihtout any issue. | ||||||
| 07/18/2020 | Yes |
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| XXXX XXXX - Chase Banking Background : Ive banked with since XXXX ( 24 years ) without issues of overdrafts or any negative events. I maintained a personal checking, savings account, and Home Equity Line of Credit ( HELOC ) in good standing my entire time as a Chase bank customers. All of my banking transactions are electronic, except for 1 check that I write monthly in the amount of {$580.00} payable to my eldest sons group home. He is XXXX and I am his court-appointed guardian advocate helping him to manage is personal, medical, and financial events. All other check related events on my Chase checking account are mostly check deposits, usually from my grandmother ( XXXX XXXX ), reimbursing me for purchases made for groceries or other personal needs given she is elderly and unable to drive. XXXX XXXX - Checking Account Fraud Event : Over a 6 week period from XX/XX/XXXX XXXX XX/XX/XXXX I have either visited a local Chase bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX working directly with banking rep XXXX XXXX or called multiple times to the XXXX, option 3 ( Chase Fraud Claims Dept. ) to resolve the check forgery issue and get my funds reimbursed into my account. So far, all Chase has done is give me the runaround to-date. I kindly request assistance from CPFB given all of my attempts have been unsuccessful and a check forgery issue that Chase Fraud Claims stated on XX/XX/XXXX would only take 5 days to resolve has now turned in to 6 weeks with no resolution, no checking account reimbursement of my stolen funds, and no explanation or request for additional information from Chase. Heres the series of fraud events that transpired and actions that I have taken to resolve this issue with Chase Bank : XXXX : A person goes to a Chase Bank in New York and cashes 6 forged checks on my account. Check nos. XXXX - {$990.00}, XXXX - {$990.00}, XXXX - XXXX, XXXX - {$990.00}, XXXX - {$990.00}, XXXX - {$990.00}. All checks were made payable to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. The signatures on the back of the checks do not match my signature either. They were stolen checks from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX. I have never lived in Connecticut nor XXXX, neither conducted business with a XXXX XXXX XXXX, nor banked in any Chase location in New York or the other states aforementioned. I have always lived in Florida ( either XXXX or XXXX XXXX ). XX/XX/XXXX : The forged checks are returned unpaid by XXXX bank. XX/XX/XXXX : I checked my checking account online via the Chase app as I do every 2-3 days to check my balance and activity. It a pre-caution I take because I am paperless with Chase and dont receive bank statements via mail. And, my sister works for the XXXX and has trained us to be extremely watchful for online fraud activity. I noticed that Chase had deducted from checking account the unpaid forged checks. I immediately call Chase to report unrecognized activity on my checking account and notify them that my account had been compromised. They transferred me to the Chase Claims Dept. who froze my compromised checking account ending inXXXX, opened a case, and told me that my funds would be replenished in 5 days. XXXX : Due to COVID limited Chase locations are open for in-bank support. I eventually found a nearby Chase location that was accepting in-house support at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and made an appointment. XXXX XXXX was the banker who assisted with opening a new checking account ending inXXXX. XX/XX/XXXX : I called Chase bank to check on the status of the fraud case and reimbursement of my funds thinking in 5 business days the issue would be resolve as Chase Fraud Rep stated on XX/XX/XXXX when I reported the fraudulent event ( check forgery ) on my checking account. They told me that I now needed to complete an Affidavit of Unauthorized Signature or Altered Item, get it notarized, and return it to the bank via fax to their Customer Claims Support Dept. in XXXX XXXX, TX ( fax : XXXX ). The Chase rep said I could go to the bank and obtain the form or they would mail the affidavit form to my home address. XX/XX/XXXX : I opted to go to the bank and obtain the form. So, I called XXXX XXXX at the Chase XXXX XXXX XXXX branch and he downloaded the form. I picked up the form from XXXX the same day. XX/XX/XXXX : I hand deliver the signed and notarized affidavit to XXXX XXXX at the Chase XXXX XXXX branch. He faxes the form directly to the Chase Claims Dept. as stated of the affidavit at XXXX in XXXX XXXX, TX. He also provides his name, contact number, bank branch name on the affidavit so that Chase can clearly see that a local bank rep had received the form and assisted. XX/XX/XXXX : I waited 5 business days and followed up again calling the Chase Claims Dept. at XXXX, option 3 ( Check Forgery Group ), to check the status of the fraud claim and funds reimbursement. The initial rep gave me the standard no update, call back in 5 days. I refused and escalated to a supervisor because I was tired of getting the runaround and the 5 days resolution that I was told would occur back on XX/XX/XXXX had now turned into several weeks. The rep transferred me to a Claims Supervisor, XXXX XXXX. She stated they did not receive the signed affidavit that XXXX XXXX, XXXX Branch Rep, had faxed back on XX/XX/XXXX. I conferenced in XXXX XXXX who confirmed he faxed in the affidavit from the XXXX Branch location. XXXX then gave XXXX her direct Chase email account and asked XXXX to scan and email the signed affidavit. He did while I was inside the bank with him and XXXX confirmed receipt of the emailed affidavit and supporting documents. XXXX said he could not copy me on the email to XXXX because he was only allowed to send emails to personnel within Chase bank. XXXX XXXX committed to calling me back within that same week to provide an update on the status of my claim. XX/XX/XXXX : I did not hear back from XXXX XXXX, Chase Claims Dept. Rep, as she committed on XX/XX/XXXX so I called the XXXX, Option 3 ( Forged Checks Group ) again to check the status of my claim. This time I spoke with XXXX who confirmed that the affidavit was received, there was no notes on the claim that Chase needed anything further from me, and that she would escalate it to a Claims Supervisor to determine when a decision would be made and my funds reimbursed. She asked me to call back in 2-3 days ( the same statements made to me since opening the Fraud Claim back on XX/XX/XXXX ). Now, 4 weeks has transpired and I am still getting the runaround from Chase. XX/XX/XXXX : Due to the XX/XX/XXXX holiday I waited until XX/XX/XXXX to call in to the same Chase Claims Dept. number mentioned previously and check my claim status. XXXX was the rep I spoke with again. She remembered me because during our last call we spoke casually about the COVID situation and I explained in detailed the check forgery situation on my account. She told me there was no update and to call back in 2-3 days. XX/XX/XXXX : I called into the Chase Claims Dept. ( same number as before ) and this time spoke with XXXX an Claims Supervisor. At first she was really terse with me and non-committal on helping me beyond the call back in a few days statement. But, I persisted and she agreed to escalate the issue again. During my call with her I explained in detail that I have been a customer with Chase for 24 years, never had an issue with any of my accounts, and that Chase was not treating me like a valued customer. She agreed and said my story checked out from the account history she was viewing online. She escalated my issue and took my cell number stating she would speak with her supervisor when he/ she arrived to work and call me back the next day with a claims update. XX/XX/XXXX : XXXX never called me back. So, I called the Claims Dept. again ( hopefully you see the pattern here of stonewalling by Chase Bank ). I spoke with XXXX, Claims Account Supervisor, after escalating and refusing to accept no update from the initial rep. XXXX stated the affidavit was not received which disputes the email confirmation from XXXX XXXX on XX/XX/XXXX that she received the emailed docs from another Chase Bank Rep ( XXXX XXXX XXXX XXXX XXXX Branch ). I conferenced in XXXX XXXX who confirmed with XXXX that he personally faxed the affidavit on 2 previous occasions and that he spoke with XXXX on XX/XX/XXXX who confirmed she received the email with the affidavit. XXXX said that XXXX needed to call him back to confirm his identity because he couldnt do so while I was on the phone with them. XXXX agreed and call back and re-send the affidavit to XXXX. XXXX called me back the same day to confirm that he had once again sent the signed affidavit to the Chase Claims Dept. I will follow-up again with Chase Claims Dept. on XX/XX/XXXX in hopes of finally getting the claim closed and my fund reimbursed. But, I am doubtful given the series of events and delays from Chase thus far. I kindly request CPFB support in getting Chase to do the right thing at this pointreplenish my funds and close this claim. Feel free to contact me at XXXX if you need additional information or support to bring this matter to prompt resolution with Chase bank. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX | ||||||
| 08/17/2023 | Yes |
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| I have a checking account with JP Morgan Chase that was opened in XXXX. In lieu of a deposit with a check that was greater than my daily balance, the bank has seized my {$69000.00} of funds deposited via a personal check and have provided no remedial solution in spite of overwhelming evidence that the check was authentically signed and willfully deposited by XXXX to assist with a remodel of a property. Despite the account having been active since XXXX, and my full cooperation, they have forcibly closed my checking accounts and have seized {$69000.00} of cleared funds. Despite XXXX phone calls during the week between XX/XX/XXXX - XXXX, XXXX to Chase Customer Service and its Fraud Department and XXXX branch visits across two states ( Washington and California ) to provide extensive proof of Government issued identification, deposit receipts, check books, debit cards and receipts, the bank refuses to unlock my funds. The account lock on my funds has been very disruptive and has caused all of my auto payment for recurring bills to be denied. In the past week, Ive received an eviction notice, and a number of other service disruptions that impact auto payments that cover home and auto insurance, as well as cell and XXXX services ability to work. I hope you can help. Heres a timeline. On XX/XX/XXXX, my XXXX entered a Chase branch in XXXX, Washington and deposited a check for {$120.00} -- drawn on XXXX XXXX XXXX -- to my personal checking account at Chase. Once I confirmed the first deposit was correctly received and recorded, she followed up with a {$69000.00} check deposited ; just minutes later. These funds were provided to assist me in renovating a house that I intend to move my XXXX into the future. On XX/XX/XXXX, the funds for the {$69000.00} cleared after being held for about XXXX business days however, shortly after my account was restricted without any notification from the bank when I called to inquire about when the funds would be available the night before, on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I called Chase customer service after receiving notifications that my automatic payments for rent, credit cards, were declined despite showing {$80000.00} in my available and present balance. This has resulted in eviction notices, late payments fines, and me needing to borrow funds from friends to pay rent to avoid eviction and other bills affecting my internet, cell phone and XXXX services that I rely on for work. After contacting Chase customer service on Saturday, they routed me to the Accounts Restriction team -- presumably a department within the Fraud department. I was informed that the only way to unlock the funds was for me to provide a phone number for my XXXX and to have her verify she authorized the deposits. Despite providing the correct phone number that I pay for as a second line on my account with XXXX XXXX, the representative refused to call my XXXX since they use a proprietary system that provides identity information that indicates the phone number they have on file did not match what I provided. I then informed Chase that I pay almost all of my XXXX bills since she is XXXX years of age, and relies on me to assist with simplifying her financial obligation. I explained that I also pay for her cell phone account and therefore public phone records may not be reliably mapped to her identity. This applies to her car, auto insurance and other utilities. After XXXX minutes of stalled progress, I asked for a supervisor and was again told they can not help until I provide a phone number that matches what they have in their system as a verified phone number. This number is wrong because I purchased and play for her cell phone plan along with other utilities. Since this was a dead end, the representative instructed me to have my XXXX return to the Chase branch, located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX, where she deposited the check to verify her identity and to reaffirm she wrote and authorized the check. On Saturday, XX/XX/XXXX, at XXXX, my XXXX entered the Chase branch and provided her substantial proof of her identity and authorization of the check to a client relationship manager named XXXX XXXX XXXX In total she provided the following : Driver license Social security card US Naturalization certificate Both deposit receipt ( s ) one for {$120.00} and the other for {$69000.00} Chase debit card and logged in Chase mobile app to show her correct cell phone number ( XXXX ) in her profile which they refused to use and acknowledge as relevant XXXX XXXX XXXX checkbook she used to write the two checks XXXX XXXX XXXX account statement/ledger that shows the two checks cleared XXXX XXXX XXXXXXXX debit card associated with her checking account The Client Relationship Manager connected me with the Chase Restrictions Team who then told me all of the above forms of identity will not be considered and that I must provide a phone number that matches what is present in their system. She proceeded to file a customer complaint but to date, no one from Chase has called me in response. Troubling is that this complaint is internal and Ive yet to be provided with an email or a link to the case. On XX/XX/XXXX, I met with a banker by the name of XXXX XXXX, a banker at the Chase branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. After learning of all the details including my XXXX visit to the XXXX branch, he attempted to help by calling the Accounts Restriction team and was again told nothing can be done for me until I provide a matching phone number. He verified that funds cleared with no report of fraud on the check issuing side. He then volunteered to file a customer complaint similar to the client relationship manager. I was then told I will receive a call within XXXX hours. To date ; no one has called to follow up. Realizing that my window was narrowing before the account would be locked, I purchased a one way flight for my XXXX to fly from XXXX to XXXX XXXX, where I reside. On XX/XX/XXXX, XXXX XXXX my XXXX arrived at XXXX XXXX. Over the next XXXX days, XX/XX/XXXX and XXXX, I scheduled time to visit XXXX XXXX with my XXXX and presented all of the details and the previously provided artifacts, detailed above in ( a ) - ( h ). We spent about XXXX hours and XXXX minutes waiting on various different people who repeated the same message. After much research, Ive tried to contact credit bureaus to rectify potentially missing or erroneous public phone data records that Chase from my XXXX has no phone number. Despite that, XXXX or XXXX representatives insisted I must provide a matching phone number. This was very misleading of them in communication with me. This overall process severely punishes me for having a lower balance and my XXXX for having no public phone record since XXXX. On XX/XX/XXXX, Chase decided to release just {$10000.00} via a cashier check but indicated that they will seize the remaining {$70000.00} and close my account, leaving me with no access to the account or the seized funds. XXXX XXXX is doing his best but has run into staunch resistance. He was given a Research Department phone number to contest but was shut down with the same response. He has filed yet another complaint with this Research Department distinct from the Account Restrictions team but as of today, has been unassigned. My life has been turned upside down and I don't know how to correct erroneous data in an external system that fails to match my XXXX actual cell phone. I ask for your help and guidance before things get even harder to reverse the damage done. XX/XX/XXXX. To date, each branch that has filed a formal complaint has not resulted in any progress. Despite informing me that a representative of Chase would be assigned and call within XXXX hours, no one has called me to discuss the matter. Since no progress has been made, my XXXX and I have attempted the following to limit further damage and in hope that it may help rectify the banks data. Rerouted my salary direct pay and bonus check but it may or may not have been done in time due to the lag with the payroll systems. Subscribed to a premium XXXX service to see whether her credit report has a phone number. We updated it to her current cell phone number. I have attempted this with XXXX and XXXX but have run into blockers due to their identity and security questions not being relevant to my XXXX acquaintances or work experience. Separated her cell phone number into a new account with her name as the holder rather than mine. Filing this complaint with CFPB I reiterate, that my XXXX willfully wrote these checks and has done all she can to verify this fact in XXXX and XXXX XXXX. And despite the abundance of proof, travel, and numerous hours spent on the phone and in person at branches, the bank refuses to identify her with Government Issued Identification via Driver License, Social Security Card and her Naturalization certification in conjunction with deposit receipts, bank statements, and checkbooks. Meanwhile my funds have been effectively seized and will soon be out of sight when my account closes on XX/XX/XXXX. Please help. XXXX XXXX | Email : XXXX | Phone : XXXX | ||||||
| 11/20/2023 | Yes |
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| I am writing to express my profound outrage and disgust with Chase Bank & # XXXX ; s egregious decision to revoke a credit amount of {$54000.00} and reversing numerous fraudulent charges from my business account due to alleged fraud. This arbitrary and unjust action, taken without prior notice or adequate investigation, has caused me immense financial hardship and distress, leaving me questioning your institution & # XXXX ; s commitment to customer rights and financial responsibility. As a steadfast Chase Business customer for over two decades, I have cultivated an unblemished credit record, devoid of any instances of fraudulent behavior. I am adamant in my assertion that I have rigorously adhered to the terms of my credit card agreement. On XX/XX/2023, XXXX discovered a staggering amount of unauthorized charges on my Chase Business Credit Card ending in XXXX. The magnitude of these fraudulent transactions sent shockwaves through my business, threatening its very stability. Without hesitation, I contacted Chase Bank & # XXXX ; s fraud department to report the unauthorized charges. I was assured that the matter would be handled expeditiously. However, days turned into weeks, and I found myself repeatedly calling Chase, seeking updates on my case. Each call yielded the same unfulfilled promise : the charges would be reversed, and I would receive an email from Chase Card Services confirming the credit and providing instructions on how to accept the refund. Yet, no such email materialized Frustrated and increasingly concerned, I ventured into a Chase Bank branch on XX/XX/2023. With the assistance of a bank representative, I made another call to the card company, only to be met with the same hollow assurance : an email had been sent. I scoured my inbox, but the elusive email remained conspicuously absent. Disheartened but determined, I waited until XX/XX/2023, when, at XXXX XXXX, the long-awaited email finally arrived. With a mixture of relief and trepidation, I followed the instructions to accept the payment of {$54000.00}, a sum that represented a significant step towards restoring my personal and financial health. This ordeal has highlighted the importance of vigilance and proactive communication when dealing with financial fraud. It has also underscored the need for financial institutions to provide swift, transparent, and effective support to their customers during such critical moments. To abide and uphold their policies and terms of service they themselves put in place. I.E. a thorough investigation when it comes to matters such as these, fraud, treating customers fair and justly, and not assuming a member of two plus decades with an impeccable credit history with no sign, profile, or pattern of fraud would all the sudden allegedly commit {$85000.00} in fraud. This just exemplifies Chase Bank & # 39 ; s negligence when it comes to these matters and unprofessional and downright egregious attitude and behavior towards loyal customers that report real matters for concern. This is a CLEAR violation of Chase Bank & # 39 ; s obligation to consumer protection. On XX/XX/2023, Chase Bank revoked the entire credit amount of {$54000.00} from my account and reinstated numerous fraudulent charges, without any prior notice or even a post notice. Overnight I went from a victim of fraud to the person who is/was allegedly accountable for all the previously stated and agreed upon charges on my statement marked as fraud. This action was taken out of blatant disregard for my consumer rights and financial and personal well-being. I immediately contacted Chase & # 39 ; s Fraud department and spoke with supervisor & quot ; XXXX & quot ;, in order to report a fraudulent charge on my Chase Business Card. I spoke to a supervisor named XXXX, who was extremely confrontational and accusatory. She informed me that my case had already been closed, without even asking me for any details nor allowing me to provide my recent findings. She then hung up on me. I was shocked and appalled by XXXX & # 39 ; s unprofessional behavior. I tried to explain the situation to her, but she refused to listen. She even had the audacity to claim that i didn & # XXXX ; t sound like the & quot ; XXXX & quot ; she had spoken to last time. I was disgusted by her insinuation that I was being unreasonable or difficult. I spoke with a multitude of managers from the fraud department at Chase, however, the branch managers were no better. They abruptly hung up on me multiple times when I tried to explain the situation. let I am deeply disappointed with Chase Bank & # 39 ; s disregard for my consumer rights and their treatment of me as a customer. I have canceled my Chase Business Card and will never do business with them again. My XX/XX/2023, statement unmistakably exposes Chase & # 39 ; s willful negligence in failing to conduct a thorough investigation into the disputed charges. This egregious oversight has plunged me into a catastrophic financial crisis, effectively rendering me unable to access my own funds and fulfill my fundamental financial obligations. The repercussions of Chase Bank & # 39 ; s actions are far-reaching and detrimental to my life. I am now facing : 1. Financial hardship : The revocation of the entire credit amount has left me in a state of financial strain, unable to meet my regular expenses and fulfill my financial obligations. This has caused significant stress and anxiety, impacting my overall well-being. 2. Damage to credit score : The revocation of the credit amount, coupled with the outstanding balance of the disputed charges, will in turn inevitably severely damage my credit score. This could make it difficult to obtain new credit, rent an apartment, or even get a job. 3.Emotional distress : The financial burden and the uncertainty surrounding my credit situation have caused me immense emotional distress. I am constantly worried about my financial future and the potential consequences of this situation. 4.Difficulty obtaining insurance : With a damaged credit score, I may face difficulties obtaining insurance for my home, car, or other assets. This could further strain my finances and leave me vulnerable to financial setbacks. 5.Difficulty finding employment : A poor credit score could make it difficult to find employment, as many employers conduct credit checks as part of the hiring process. This could limit my career opportunities and further impact on my financial stability. 6.Difficulty getting approved for loans or mortgages : With a damaged credit score, I may face difficulties obtaining loans or mortgages in the future. This could increase the overall cost and ability to purchase a home or make other significant financial decisions. Considering these severe consequences, I am formally demanding that Chase Bank immediately and unconditionally reverse the revocation of the disputed charges and reinstate the funds to my account. I also asked for clear and transparent communication throughout the process to ensure that this issue is resolved swiftly and satisfactorily. I am deeply disappointed with Chase Bank & # 39 ; s failure to uphold its responsibility to protect its customers from fraudulent activity and its blatant disregard for my rights as a 20+ year business customer. If Chase Bank fails to take immediately take corrective action, I will be forced to pursue all legal avenues to protect my rights and seek compensation for the damage caused by this egregious breach of trust. I implore you to reconsider Chase Bank & # 39 ; s position on this matter and act with the integrity and fairness that their customers deserve. I am hopeful that Chase Bank will value its long-standing customers and resolve this issue fairly and in a timely and satisfactory manner. Yet they are not and stated they WILL NOT RESPOND TO ANYMORE INQUIRIES. Chase Bank & # 39 ; s actions are unacceptable. They have a legal obligation to treat their customers fairly and respectfully. By hanging up on me and dismissing my concerns, Chase Bank violated my consumer rights. XXXX & # 39 ; s behavior was particularly egregious. She was confrontational and accusatory, and she made a false accusation against me. This type of behavior is unacceptable from a customer service representative, let alone a supervisor. The fact that Chase Bank was unable to resolve my issue promptly and efficiently is also concerning. I was forced to call back multiple times and speak to different representatives, and still didn & # 39 ; t get the help I needed. Chase Bank has shown that they do not value my business or my rights as a consumer. I believe that the CFPB & # 39 ; s actions will have a significant positive impact on consumers nationwide. By holding Chase accountable, the CFPB is sending a clear message to all financial institutions that they will not be allowed to engage in unfair and deceptive practices. I am confident that the CFPB will continue to play a vital role in protecting consumers from financial harm. I urge you to continue your important work and to remain vigilant in your efforts to uphold my and other consumers rights. Thank you again for your dedication to consumer protection. Sincerely, XXXX XXXX XXXX | ||||||
| 11/21/2023 | Yes |
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| My name is XXXX XXXX and I live in XXXX CA XXXX. I am XXXX XXXX XXXX and in excellent health and am fully mentally capable.Among other things I have a XXXXXXXX XXXX XXXX from XXXX as well XXXX from XXXXXXXX XXXX and am XXXX XXXX XXXX XXXXXXXXI mention this simply to establish my mental acuity. On Saturday, XX/XX/XXXX, I went shopping with my son, as we usually do on weekends.Since I no longer drive, I rely on my son who visits on weekends from XXXX XXXX ( about an hour-and-a-half commute ) to drive me around to do my errands.As we were paying at the checkout counter of one of the stores, we discovered that my Chase debit card no longer worked. We tried it several times at several different stores and each time the card was declined.Once we arrived home, we called the bank only to discover that the card had been cancelled and that my bank balance was significantly lower.It was evident that my account had been compromised.As it was a government holiday ( XXXX XXXX ) we had to wait until Monday to contact the Chase Customer Fraud line. On Monday XX/XX/XXXX, we called the Chase Customer Service line and were informed that beginning XX/XX/XXXX, charges were made using the debit card ( which we still had in our possession ) in XXXX XXXX NV. Please note that I have always been in possession of my debit card, have NEVER used an ATM machine to withdraw cash or make deposits, and for the last year have never used my credit or debit cards without being in the presence of my son XXXX, since he is the one who takes me to stores where the cards could be used.I DO NOT buy anything online ever, and none of my credit or debit cards are stored online or are attached to any online retailer sites. When we asked the Chase Bank fraud representative about my account details, we discovered that the account address was incorrect and had been changed to an unfamiliar address The email address had been changed to a similar but fraudulent address ( XXXX instead of my correct email address XXXX ) The account phone number had also been changed also incorrect We also told them that I never received my XXXX bank statement, which would have alerted me the fraudulent charges.Unfortunately nothing can be done via phone in regards to customer service at Chase Bank.Everything must be done online, including making appointments at a local branch or requesting statement copies.Since my son lives in XXXX XXXX, and is not always able to visit each weekend, I can not follow up on these tasks alone.I also depend on my son to collect my mail from the mailboxes located on the XXXX XXXX, which is located a fair distance from my house.I suffer from XXXX and XXXX so walking to the mail boxes is not an option. Upon conclusion of our call with the Chase Fraud line, we were told that 2 claims would be filed : Claim # XXXX for {$8600.00} Claim # XXXX for {$960.00} During this same call on XX/XX/XXXX, I also specifically verified my correct account details with them ( home address, email address, phone number ) and they assured my that these would all be recorded and changed immediately. We were told that funds would be reimbursed into my account within 2-3 days, and that I should visit my local branch with 2 forms of identification to verify my account details in person, although they said it was not absolutely necessary. On Wednesday, XX/XX/XXXX my neighbor was able to drive me to my local Chase Bank branch at XXXX XXXX XXXX, XXXX CA, XXXX since my son was in XXXX XXXXAfter a lengthy wait, I sat down with a customer service person, XXXX XXXX, and was informed that the claims had been denied and that no reimbursement was to be made. On Thursday morning XX/XX/XXXX, I called The Chase Fraud line again to dispute the matter.We were told the two claims were closed on XX/XX/XXXX because a chip was used and a pin was used.I reiterated to them that I was still in possession of my debit card and that I havent been to XXXX XXXX in many years and certainly not in this last XXXX.Ultimately we were connected with the supervisor of the Escalation Team, a XXXX ( he said he was not allowed to provide his last name ). We explained again to him that -I was still in possession of my debit card -I have never used an ATM machine -I was not in XXXX XXXX any time this year -my account details were all changed and thus I never received any fraud alerts which would enable me to respond to this situation more quickly A quick review of my spending activity over the past year ( or two ) shows that -I only uses my debit card in XXXX CA -my purchases are generally small amounts and in usual places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -I never makes cash withdrawals at an ATM machine The supervisor asked to put us on hold, and then returned and said that due to certain facts, he was going to reopen and reevaluate the claims and that we should have an answer within XXXX business days.He mentioned also that the card was cancelled on XX/XX/XXXX because fraud was suspected. On Saturday, XX/XX/XXXX at XXXX my son and I visited my local Chase Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXWe met again with XXXX XXXX and asked for a copy of my XXXX bank statement so we could have details of the fraudulent activity.This is the first opportunity to see a list of the actual fraudulent charges made. We also requested that my son, XXXX XXXX, be made co-owner of the account so that he can help pursue this matter more efficiently and speak with Chase personnel on my behalf, as well as monitor the account activity in the future.We both provided a drivers license and a passport as identification. At that time, we also asked XXXX XXXX the bank customer service person to verify my account details that were supposed to be changed.We were shocked to discover that NONE of the fraudulent information had been changed yet, despite the assurances made to us many days earlier. -account address was listed as XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( not my address ) -account email was listed as XXXX XXXX XXXXXXXX ( my email is XXXX XXXX XXXX -account phone number was also incorrect WE know NO ONE in New York and email and phone are completely unfamiliar. AS of that time, XX/XX/XXXX, XXXX PST, no reimbursement of the stolen money had been made. We established that no account details can be changed except at the bank in person. Chase Bank has a responsibility to take special care of their elderly account holders who rely on their bank to ensure the safety of their hard-earned savings. I have kept my money at this bank for many years and in that respect has contributed to the well-being of the institution. So it is only fair that Chase Bank take care of a valued customer in this instance. XXXX XXXX -- -- - Below are details of charges made on my debit card. as you can see, I made legitimate purchases on the same day in XXXX CA as the fraudulent charges were made in XXXX XXXX NV. How is this possible when I have remained in XXXX CA for the whole month of XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/12/2018 | Yes |
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| XX/XX/XXXX I phoned Chase bank, and applied a small fee of {$25.00} to pay for a stop payment on a Loan company 's ' payment. XX/XX/XXXX Chase bank overrides customers Stop payment Fee and Explains other than the Fee applied. They argue they are the highest in Fraud and it doesn't matter that i have stop payment the Loan company withdrew the funds as prior payments an electronic check. Each 5 bank members { Employees } .. etc.. They want to perform how ranking its independent duty or rule to my payment of {$25.00} stop payment is??? . Chase bank in freer practice too and has have - been and this is-evidence of open files in complaint are monitoring my account as a practice. The complaint is made in part of 4-403. CUSTOM ER 's RIGHT TO STOP PAYMENT ; BURDEN OF PROOF OF LOSS. ( a ) A customer or any person authorized to draw on the account if there is more than one person may stop payment of any item drawn on the customer 's account or close the account by an order to the bank describing the item or account with reasonable certainty received at a time and in a manner that affords the bank a reasonable opportunity to act on it before any action by the bank with respect to the item described in Section 4-303. If the signature of more than one person is required to draw on an account, any of these persons may stop payment or close the account. ( b ) A stop-payment order is effective for six months, but it lapses after 14 calendar days if the original order was oral and was not confirmed in a record within that period. A stop-payment order may be renewed for additional six-month periods by a record given to the bank within a period during which the stop-payment order is effective. ( c ) The burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a stop-payment order or order to close an account is on the customer. The loss from payment of an item contrary to a stop-payment order may include damages for dishonor of subsequent items under Section 4-402. The account retains a invisible button on this date.Called I DO NOT WANT OVERDRAFT. This button issue is in complaint and unanswered on this date. The button is removed from my platform. Or invisible.. If funds are not available the check is required to be returned. They bank is monitoring the account as in Complaint and unresolved Case File Number going back to XXXX Public Inquiry Unit dealing with the other unanswered and resolved complaints submitted to Chase bank. dealing with those facts. This day is XX/XX/XXXX I have contacted Chase bank in regards to sending me customer satisfaction emails in how am i going to pay for my overdrafts fees in the payments they are watching to add {$34.00} fee for insufficient fund. Now the insight of Chase bank i have accessed the forum to request the bank communicate if i am insufficient in allowing a payment i stopped to be paid and itemizing what Chase bank is going to pay. That i may request in depository rules other than FDIC my income that as a Insurance company can go to limit per day. As in that way i can request your named aka employees in requesting its he or she names pay my payroll per day of what i earn per month to include deductions before deposit. 1. Chase bank is not i to monitor or to inform the non payment of a Loan Company XXXX XXXX XXXX A chase bank returned payment on XX/XX/XXXX allocating i did not get a deposit. Consumer has 2 weeks to make a deposit before it can be returned. Chase bank informed the loan company XX/XX/XXXX that customer did not get a deposit and payment was returned insufficient. This is a violation of consumer privacy laws. Well. At that time Customer had no overdraft protection XX/XX/XXXX as a Chase bank asserted task but in XX/XX/XXXX Customer without giving Chase bank consent retains Overdraft protection. I am only 1 person. for all this excise activity. Y Further XX/XX/XXXX a stop payment paid from customer account. Your employees maybe FDIC especially when they think they are consumers rights. In this forum my money is insured in another forum so on that note. I request Chase do not conflict with me to enforce rights on my payment they revoked titled : STOP Payment. 2. Chase bank respect the customer rights in NON overdraft protected until otherwise notified by customer in writing that she wants overdraft protection.. Well. About the stop payment. No payment from the Loan company was taken out of customers account in XXXX. In oversight of Chase bank revoking customers right in that the Fee {$25.00} XXXX when they allowed payment to post and pend payment that is a stop payment and add overdraft protection to the bills for that month to be paid. They do not make Financial decsions for customer and have and i herein in this complaint a request in notice :. The rights i retain i seek and request for other resolutions as i am tasking the issue of this complaint.. Further a request has been applied to the bank over the phone, then online message If Chase is going to enforce and disturb my rights in a stop payment fee of {$25.00} and to allow payment of the stop payment to clear I am not insufficient then The bank is in revocation of my right and to assert to notify me is harassment. How its my money that paid for it and as a request you should use your platform with online message available to notify or imply to customer of her overdraft in the account of insufficient but Chase paid and how i can make a deposit. Well i will make my deposit and apply the regulations to settle i notify you in this way as a civil request being defeated It would be advised the employees task a class of behavioral management in confusing their position to customers rights But since they are in custody and control of my right i believe we have a few regulated problems in request and my own personal input on screen of non overdraft protected. Chase bank says they can revoke may right and decide who they pay out of my account I have a lot of activity they state at another time is not visible but at that time was and lucky i learnt how to copy and paste, hold and keep documents before the task of it disappeared or is no loner available. I have informed Chase bank of a data breach XXXX XXXX they have yet to resolve those issues reported. I was mailed a bunch of bank statements inaccurate date of opening statement.. This issue is new and in section would apply to Contractual Data Stop Payment _Chase Bank Transfer Agreement of the Stop payment is between parties known as chase employees and herein Clause to adjoin Cell phone transfers as part of its Employed position in dealing with Customer relations Fraud is not fraud because they had not paid the fee for stop payment is personal fraud brought by the employed sanctioned representatives AKA telephone communications etc.. The personal data in which they compromised to insight, hack and give civil opinion on the Stop payment Chase bank employees Debt I provide the governing body of those employees to include Misrepresentation, Fraud, and Playing with financial lines, manipulating the the bill of rights in secured deposit in asset under regulations of the undersigned. The independent employees includes, name, email and/or phone contact information abstracts the bill of rights underpayment with the amendment to the stop payment of a company from payment. On XX/XX/XXXX E mailer form a Chase bank received a call from customer advising the privacy rights and laws to not email me with its insufficient dent in practices the time and place of proposed export of data in fiduciary take place in any jurisdiction processed by any other form performed a electronic risk assessment after and before processing the Customer Data or launching the Services agreement are Chase bank Checking & savings account columns Chase bank credit card department the named indicators employed task to enact I was told to go to the bank and get it. Data subjects Data subjects include the data exporters customers representative 's and end users, primarily customers of the data exporter, but also including employees, contractors, and collaborators thereof. Data subjects may also include individuals attempting to communicate or transfer personal information to users of the services provided by whay they can do with my money in payments of bills and personal information to clients of them are not customers as i i am client to chase bank. by the data importer.Categories of data The personal data transferred includes, name, email and/or phone contact information, time and place of proposed appointment or booking, and other data in an electronic form retains its security documents pursuant to its retention requirements after they are no longer in effect Contractual Encrypt Financial Data 1. Provided by customer, provided by chase bank. Chase bank excludes customers right to rightful process of fraud in affidavit of the laws in brief of memorandum of truth and law versa Chase bank public opinion in the right it controls for access the access is defined above in the change of the customers data to the preference it foresee as the right to the posses to the right of customer. XXXX | ||||||
| 11/07/2019 | Yes |
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| Chase fraudulent charges I am writing to dispute JP Morgan Chase Banks decision of denying reimbursement of fraudulent charges to my savings account ending in XXXX. My husband and I noticed fraudulent charges onto our savings account on XX/XX/XXXX. We immediately called Chase fraud services to report. They took the info down and started a claim. We received a letter with the info of the claim ( see attachment ). There were a total of six fraudulent charges on our account. We did not initially notice the first four, as they were smaller amounts. We had a large sum of money in our savings at this time, and did not notice a small amount missing. As soon as we noticed the large amounts, we notified Chase. We, then, received a second letter the following day ( XXXX ). It states that Chase isnt going to reverse the charges on the most recent fraudulent transactions because the first ones are more than 60 days old. We then went to our local Chase branch in XXXX, OH on Monday, XXXX XXXX. We spoke with a representative, XXXX. We explained the situation to her and she immediately said, I am only the middle man. She proceeded to call the fraud department while we were in her cubical. After getting off phone with fraud dept. she explained to us this 60 day law as she called it. She says, They can not break the law and that the FDIC made it up and they have no control over it. We explained to her that XXXX XXXX is willing to cover all the charges and reimburse us provided that Chase contact them, letting them know it was a fraudulent charge. She told the Fraud dept. this. After hanging up with the fraud dept she said they told her that theyre still unwilling to reimburse the fraud transactions, but they did file a claim with XXXX XXXX. She said we didnt need to do anything at that point but to wait for XXXX XXXX to credit the account. Meanwhile she closed out our Savings account and moved our money to our checking account. XXXX proceeded to blame us for the fraudulent charges on our savings account. She told us how we shouldve had our alerts on and that wouldve notified us of the fraudulent charges. I asked XXXX repeatedly about the XXXX XXXX account being in a name completely different from either of ours. Her response was that anyone can use anyone elses account. We dont know who you let use your account. I believe she meant a XXXX XXXX account. I hope she did not mean savings!! Regardless, if she meant XXXX, NO!!! You can not let someone else use your account. And the account was never verified as being the correct account. ( per XXXX XXXX ). I asked her why it didnt raise a red flag to them having someone else debiting out of my savings. She said it didnt seem out of the ordinary since we had our sons college tuition debited ( only two times ever! ) out of our account, when the first two fraud debits were done months before! This doesnt add up to what she is telling us. Chase has taken no responsibility and XXXX put all the blame on us. To set the record straight, I had every available alert on to my knowledge. When I told XXXX this, she stated, well there are always new alerts Chase is coming out with. How are we, the consumer, supposed to know this? We were never given any info that there were new alerts on our app. Also what if we did not use an app. Then what? When does Chase have to take responsibility? When are they held accountable for the security of their customers money? XXXX also stated that this kind of thing happens a lot. It even happened to her husband. If Chase knows this why did they not inform their customers to be alert and pay attention to their accounts because this scam was going on. Why wasnt Chase doing anything to protect its customers. Per XXXX, Chase was aware of how scammers take out small amounts at first, then waited after the 60 days, then took out large amounts. They knew this!! What accountability do they have knowing this??? They did nothing to protect us as customers. I have attached documents that show the un- reimbursed amounts along with the dates. If you need I can provide pics of my bank account transactions. Please let me know if you need further evidence of the fraudulent transactions. I spoke with XXXX several times, and received the same answers from each person I spoke with. On XX/XX/XXXX at XXXX XXXX, I spoke with a representative, XXXX. I explained the situation. XXXX stated that Chase just has to reverse or dispute the charges and they will reimburse our account. XXXX also stated that the bank is able to see the name attached with the transactions. ( if thats the case, why did Chase let these transactions go through without concern? ). XXXX instructed us to contact Chase and cancel our account and he did the same on his end so no more charges could occur from that XXXX account or our Savings account. XXXX stated the name associated with the fraudulent XXXX account is XXXX XXXX. He asked if we knew of this person. I explained that I had no clue of this person. I spoke with a XXXX, and XXXX from XXXX XXXXl, to have them say the same things. They said that Chase does have the means to reverse the ACH transaction and to be able to dispute it as a fraudulent charge. XXXX states they have NEVER had a bank that wouldnt reverse the ACH charge. She said theyre capable and should be willing. XXXX states they are willing to reimburse the account but need the banks help. I got the phone number and case number to give to Chase. On XX/XX/XXXX, after still not receiving any kind of reimbursement, we went to our local Chase branch again. This time we spoke with XXXX XXXX. She called Chase fraud dept. with the same results. She did print out the letter that chase gave us to send to XXXX XXXX. She again reminded us of the 60day law but said if XXXX is willing to reimburse the account she would try and help. I called XXXX at XXXX on the XXXX and left a message with the claim number ( XXXX ) and phone number XXXX to call XXXX XXXXl directly. When I spoke with XXXX at XXXX, she stated that there is not a fax number or email to send a letter to. Also, that the bank needed to dispute the ACH charges and that is the only way to get money back. XXXX said that the bank does know how to do that and there is no reason they shouldnt. We would like the following to be the outcome of this complaint : 1. We DEMAND a full refund of all the six fraudulent charges, from Chase Bank. We dont care how they do it. They can contact XXXX as asked or just simply refund our money into our checking account ( as our savings is closed ). 2. The refunded amount needs to be XXXX which is the total amount of all six fraudulent charges. ( $ XXXX has been temporarily refunded- this needs to be permanent. ) 3. We DEMAND to be compensated for our lost work time and suffering. The amount to be compensated for this is {$300.00}. We both lost 1.5 hours of work. This equals about {$200.00}. The other {$100.00} is for the time and effort put into research and fighting this battle. 4. We would like their to be a policy in place to let customers know of their 60 day policy in regards to the fraudulent charges. 5. We would like there to be a policy put into place for Chase and its representatives to red flag fraudulent charges and to have a better safety guard for this. 6. We demand Chase and its representatives change the verbiage they use for the FDIC 60 day policy. They need to not tell customers its a law and they can not break it. When in fact, its an institutional policy of Chase. That is misrepresenting the truth to your own advantage. 7. We demand Chase to prove that two AcH transactions to a college ( even though we have two college accounts attached to us ) justifies it being normal for our savings to have ACH transactions. which led Chase, per XXXX, to overlook those fraudulent transactions. ( dont forget the first two fraudulent transactions were months before! ) Our demands are based on the facts that Chase is negligent on being held accountable for poor monitoring of accounts that have fraudulent charges. Chase is guilty of putting blame on the customer and taking no responsibility for its lack of actions or protection of its customers. Chase has lied about this 60 day law that we were quoted over and over. The law states on the FDIC website that consumers MAY not get their money back if over sixty days. Does not say its a law and doesnt say they WILL NOT! Chase must not be allowed to use this verbiage! We have never had a XXXX account attached to any Chase account. This should have raised a red flag to Chase. It is so rare for a XXXX account to be linked to a savings account. I would like Chase to prove how many savings accounts in comparison to other types of accounts ( like checking or credit card ) to prove it is not common at all. Even the reps from XXXX XXXX were shocked this happened to a savings account. The most important reason that Chase should give our refund is because XXXX XXXX is WILLING to reimburse the money!!! There is no reason Chase shouldnt reverse the ACH charges or dispute them. What reason do they have? They arent going to be paying us back, XXXX would be. XXXX XXXX XXXX XXXX | ||||||
| 05/21/2020 | Yes |
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| My husband and I booked a trip XXXX to XXXX to the XXXX XXXX through XXXX XXXX XXXX XXXX travel agency. The trip included 2 other couples. Communication with the travel agency was made by all three couples both individually and collectively. The travel agency cancelled our booking due to the COVID-19. The travel agency refuses to refund our money. Instead it seeks to issue a voucher for travel in the next year. We have refused the voucher, as we will be unable to go on a trip next year and can not use the voucher. We did not cancel the trip, the travel agency cancelled due to border closings. We can not be held to a cancellation policy when we did not cancel. The merchant failed to provide the trip on the dates booked, therefore a refund is due. Details as follows : -The Travel Agency is XXXX XXXX XXXX XXXX. Contact is XXXX XXXX. -On XX/XX/XXXX the deposit of {$3700.00} was paid. -On XX/XX/XXXX the remaining {$7800.00} was paid. -On XXXX, XXXX closed it's border. We contacted XXXX XXXX XXXX to see if that would affect our travel. We were told they would get back to us on a later date, as the priority would be for those currently traveling and stuck. We continued to keep in touch. -On XXXX we began asked the status of our trip and were told we were waiting to hear about rebooking. We stated we were not interested in rebooking and wanted a refund. -On XXXX we received an email from XXXX XXXX that XXXX XXXX XXXX cancelled our flights and they would be in touch with dates to reschedule. -We had been waiting for info, but were shocked XXXX XXXX XXXX cancelled without discussing options, our knowledge or our consent. They began working to reschedule - which we had stated multiple times were not interested in rebooking. -Later on XXXX we received a travel voucher for {$11000.00} valid for travel before XXXX, with a rebooking deadline of XXXX. WE REFUSED. -After stating that only a refund was acceptable and voicing why travel in the next couple of years would be impossible, -On XXXX, XXXX XXXX sent a email that she could " confirm the new dates of XXXX to XXXX. -We again stated the travel was impossible and we had not agreed to these or any other dates. We need a refund. -The charge was on a Chase credit card. -I contacted chase cardmember services, but did not record the date, to inquire how to dispute. I was advised to go online and dispute through the website. I was warned that I had until 60 days after the first charge. ( XX/XX/XXXX ) to file a dispute. -I did as advised and disputed each of the two charges separately. I received acknowledgement of both charge disputes on XXXX, having made the claim 1-2 days prior. -The " update on your dispute '' dated XXXX stated they would contact me for further details. The charges were temporarily removed. - On XXXX I received a communication from chase stating I had until XXXX to send all documents that I wished to have considered in the claim. A copy of the merchant 's response was also enclosed. The merchant 's response to why the charges were valid- the cancellation occurred too late. This letter was only for the the {$7800.00} charge from XX/XX/XXXX, not the initial {$3700.00} charge. -I NEVER received a request for more info for the {$3700.00} charge. - I collected a 39 page packet largely containing email correspondence from myself and the 2 other couples documenting that XXXX XXXX XXXX cancelled the trip, not our party. -I documented that we have tried on multiple occasions to resolve the issue with agency prior to and during the dispute with no success. -I sent the documentation to chase on time- on XXXX by three methods : certified mail, fax, and upload to the Chase website. - I included info for BOTH charges, though it was never requested. -On XXXX, one day after I sent my documentation, I received a letter from Chase that my charge of {$3700.00} was valid because after contact with the merchant, NOT ME, it was determined we did not cancel within the cancellation window. Chase states " We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. '' Of course there was no record, since it never happened. -THE REASON FOR DENIAL WAS NOT A TRUE FACT. We never cancelled, and can not be held accountable for when a merchant cancels our trip without our consent. -On XXXX I received the notice that the charge of {$7800.00} was valid because : " We contacted the merchant to discuss the disputed transaction ( s ). We reviewed the information available and found that you either received the services or the merchant made them available for your use. We can't confirm you're due a credit because the services you purchased were received or available to use '' -In fact the dates/times that I purchased were not received or made available. A credit for a future trip that I am unable to take, 1 year plus after promised, and can not be guaranteed to be equivalent in any way is NOT EQUIVALENT to a refund. -In the letter, Chase made no provision for appeal. They did offer to answer questions, at the general disputes number. I request, but was not permitted, to speak with the person who actually made the decision. -I called and finally got through after three days, dropped calls, and at least 4.5 hours of hold time, to XXXX in the XXXX XXXX dispute office. He stated that I was denied because I filled out the form in a way that stated that I cancelled, so it could only be processed that way. They simple could not rule any other way despite documentation to the contrary. He also stated he could not start an appeal. Because I began the process through the website ( as instructed by Cardmember Service ), I could only dispute through the Chase website. - I did not EVER say that I cancelled the trip. XXXX XXXX XXXX cancelled was written many times in many places on every document- including the initial document. This was either a lie or a mistake made by Chase. - There was no choice to appeal the decision through the website. If I hit the dispute button again, it would not allow a re-dispute. It simply gave me the phone number for disputes that I had called and was told could not help due to originating the dispute online. -On XXXX I figured out how to send a note in an obscure way through cardmember services on the Chase website. I uploaded a letter to Chase disputes requesting an appeal based on the reasons for denial of the dispute were simply not valid. I placed emphasis esp on the denial due to " inability to confirm my cancellation were within the policy guidelines ''. I responded to each reason for denial and explained why it was not valid. -On XXXX I received a letter stating they were considering the dispute. -On XXXX I received letter stating again that the charges were valid for the following reasons : - '' While we previously reviewed your dispute and determined the transactions were valid, you requested that we conduct an additional review of the case. As a result, we thoroughly reviewed all information that was provided to us to determine if a billing error occurred. While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error occurred on your account. '' We notified these credit reporting agencies that you disagree with the resolution of the dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We'll provide the information described above to the consumer reporting agencies, but we can not guarantee that they will record it accurately or promptly. '' - I can not imagine why the credit agency info was included, or why the agencies would care about my dispute. The charges were added back to the account. I have never failed to pay even one credit card bill. No explanation, just a random note about notifying credit agencies. It seemed threatening. - Later that day, XXXX, I received a note saying they will investigate the dispute. To save all documents for consideration, etc. - I assume that the denial was rubber stamped without any benefit of fact and Chase made an error in order of letters sent. Chase protects a merchant well, but has no true protection for it's cardholders. A valiant good-faith effort was made to bring this issue to an amicable close without involving Chase. It was impossible. Chase boasts travel protection for credit card purchases. They did not live up to that promise. They did not provide a reasonable online dispute process, advising cardholders to dispute online and then refusing to discuss when and if one is able to actually speak to a person by phone. They do not give consideration to the facts of the case. Even with the proof that the facts directing their dispute decision is entirely false, there is no process for appeal. When an appeal was made through creative way it was immediately denied, faster than the letter to ask for information. In 1 of 2 disputes, they contacted ONLY the merchant for information. It is easy to see where Chase loyalties lie only with merchants. | ||||||
| 06/10/2022 | Yes |
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| Chase has frozen my XXXX XXXX credit card for no good reason and is taking longer than it should investigating CFPB complaint # XXXX about it. As a result, I have had to use my Chase Freedom card with fewer rewards. However, I have called numerous times about many unauthorized charges that Chase will not credit. This week alone, I called 2-3 times about an authorized XXXX charge XXXX It is difficult to get a live representative and the automated system Chase uses wastes inordinate amounts of time. For example, the robot asks me repeatedly whenever I call XXXX to try to reach someone about this card to enter the last 4 digits of the credit card. I have to do this twice before it then asks me to enter the entire 16 digits of the card number because the first 2 times with only 4 digits results in the robot saying it does not recognize the card. If so, why does Chase waste so much time asking for it twice before having me enter 16 digits for the third time? There is no answer to this question other than Chase credit cards poor operations in which it pushes the expense of a workable robot or more humans to answer telephones, onto its customers. Furthermore, it uses its habitual dysfunction as a deterrent against customer contact, requests for credits for fraudulent charges and complaints about the inordinate difficulty of protecting oneself from Chases automated predations. Yet it persists in perpetuity with these ruses because it can ; nothing forces it to operate reasonably and fairly. But these tactics dont stop there. The first time I called this week after I got a one-way-only email and one-way-only text message ( otherwise known as hit-and-run messaging ) saying that my XXXX order that I did not order was on its way, XXXX representative told me that it would not credit the charge, I would have to call back after it posted which happened within a day or less. Chase claims to record telephone calls, retaining and using voice recognition against my wishes and in violation of my privacy. In typical fashion, Chase wants it both ways for its convenience while treating its customers unfairly. Given its stash of unauthorized voice recordings, why am I forced to report illicit activity on my credit card multiple times, if not to buy Chase more time and put off talking to its angry, abused customers while forcing them to pay padded accounts so that it can enjoy the windfall while it investigates what it should not do to begin with? Isnt it illegal to record someone without his or her permission? Chase does so routinely. I did not place an order with XXXX and could not even sign into its website the last time I tried, which is required in order to place any online order from it. Since lots of companies get away with it, XXXX is playing a frequent corporate hit-and-run game by having no telephone numbers, anywhere, where anyone can be reached about its dysfunctional website. If you can find a telephone number for a local XXXX, the manager typically says he or she has nothing to do with the website and can not correct any mistakes of this gargantuan, unmanageable and unmanaged company. In keeping with its deliberate hit and run tactics ( aka, move fast, break things, before they catch us ), when I replied angrily to the unwanted email from XXXX, it bounced, confirming its one-way push credentials, predation, using a credit card I have repeatedly told it, it does NOT have permission to retain or store in its files, anywhere. Yet it continues to hold my credit card info captive and hold on for dear life because no agency of the government is demanding that it stop ; why? I am so sorry for these corporate thieves who inflict themselves on the public and their customers with the de facto blessing of government. The second time I called the above number for this credit card in the last few days, after more wasted time getting past Chases robot, I identified several false charges on my account to a live representative. I spoke in great detail and provided very specific information about the false charges. Towards the end, the rep told me I would have to repeat them, again, some for the 3rd and 4th time, to someone else. At that point, I told him he would have to use the recorded call to get the details and that I expected credits for charges that I told him were not mine. Of course, Chase will try to squirm out of granting credits for unauthorized charges, so now I have to spend more time writing this report. Several charges that are not mine include the XXXX charge for {$44.00} which posted very recently ; an XXXX charge from XX/XX/XXXX for {$87.00} ; XXXX charges on XX/XX/XXXX for {$45.00} ; on XX/XX/XXXX for {$15.00} ; on XX/XX/XXXX for {$330.00}. This is at the least the 3rd or 4th time that I have called about the {$330.00} charge which is a duplicate charge on XX/XX/XXXX and XX/XX/XXXX. The first time I ordered these lights, I got a nearly immediate tracking notification that said the order would not be sent because it was undeliverable or some other non-sense. This tracking information remained in the notes for the order for weeks to a month or more. Yet when I checked the information for order # XXXX yesterday, no tracking information whatsoever was attached to this order, including, tellingly, no indication whatsoever that it was ever shipped, much less delivered and certainly there was no proof of delivery. Obviously, someone ( or somethingbad HAL ) deleted the previous information and is free to manipulate the shipping and tracking information that appears and disappears in ephemeral fashion on XXXX website, which is how a great deal of fraud by XXXX is occurring. I have reported this before to the FTC, but it should be a well known fact by now that XXXX falsifies shipping and tracking information and frequently claims delivery of items that simply vanish without proof of delivery and its fraudulent charges often entail falsified shipping information. On the basis of the shipping notice that appeared in early XXXX on the day that I first placed the order, or very shortly thereafter, which announced that what Id ordered would not and could not be sent, I placed a second order for the same thing on XX/XX/XXXX. As I recall, the shipping info from the first, XX/XX/XXXX order appeared so quickly I thought it was a mistake and waited a day before placing the order again ; at that time, tracking information for the first order still said that it would not be sent and could not be sent. Now Chase is trying, yet again, to charge double for this. I will not pay double for something an anonymous, unaccountable actor, claimed would be sent only once, then tried to delete evidence of the deception ( the tracking info ), and charge twice for it. I reported this saga to Chase the first time I denied the duplicate charge and did so again today because Chase is trying to charge me a third time for the same item ; it is showing up as a rebill, but it is pure theft, a deceptive, unfair, abusive and predatory action by Chase and its business partner, XXXX. It is much more profitable for Chase to rip off individual consumers than to deny business to XXXX. Recent XXXX charges that are legitimate on this card include : {$13.00} on XX/XX/XXXX ; {$16.00} on XX/XX/XXXX ; {$37.00} on XX/XX/XXXX ; {$79.00} on XX/XX/XXXX. Aside from these, I do not recognize any other charges that appear as XXXX charges on this credit card at least since XXXX. Although I have watched some videos through XXXX XXXX, they are supposed to be free through XXXX membership and/or through XXXX membership. Furthermore, there is no way to identify any of several arbitrary charges on this card that originate with XXXX, so there is no way to know what may be legitimate or not, what may be more duplicate, triplicate, or just mystery charges, as all of these distinguish the pattern of XXXX charges I just cited. I have no idea what many of the previously cited charges are supposed to be for because they are simply false charges. The CFPB needs to monitor Chases Freedom card closely. It needs to force it to issue multiple credits in the hundreds of dollars for all of the phony charges it is trying to push onto me. It needs to require Chase to instantly credit any charges it tries to post that are simply unidentifiable on this card and sanction Chase for its habitual, repeat offenses of the same kind and reduce the number of credit card accounts it is allowed to have at any one time, since it obviously can not handle what it has but simply tries to push false, unauthorized charges onto customers, most of whom do not have time to get through the multiple layers of resistance Chase has to even speak to its customers, let alone act fairly, reasonably and in good faith. Sanctions should be placed on this credit card according to those described in the aforementioned previous CFPB complaint about another credit card, and immediate credits should be placed on my account so that Chases interminable investigations for acts it should not have committed to begin with, do not become yet another excuse for this credit card to artificially inflate its earnings for any one period. | ||||||
| 04/15/2021 | Yes |
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| Details on Chase Bank Situation XX/XX/2021 : Chase says I made a deposit for {$560.00} that included a check for {$250.00} twice. They provided me a copy of that check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. The check is stamped for deposit only to named payee by Chase. I have no knowledge of this transaction, do not know either person, and have never had such a transaction occur in my account. XX/XX/2021 : Chase bank writes me, states they are taking {$250.00} out of my account due to the above situation. XX/XX/2021 : XXXX ( a representative ) @ XXXX tells me that a check was deposited twice for {$250.00} or {$560.00}. She talked to XXXX in Research and thats all they can tell me. I ask for a supervisor and Im transferred to XXXX. XXXX then talks to XXXX in the Research Dept. says I either deposited or cashed this check for {$250.00} twice. Which one, deposited or cashed? The two transactions are very different from each other. Both XXXX and XXXX admit they do not have enough information to answer any of my question further. They say they only know the check was presented and cashed twice. How could I possibly cash a check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. Remember that check is stamped for deposit only to named payee. XXXX XXXX ( XX/XX/2021 ) : On the phone with XXXX XXXX : XXXX - I say I do not understand how I could deposit a check that I never had possession of. Each check is run thru their system right in front of the customer at the teller window, is there video documentation of me depositing or cashing this check? And why has it taken 3 weeks to find this alleged error? He tells me unless I come to the bank, he cant look into the situation. I get to the branch approx. XXXX and XXXX XXXX XXXX me I need an appointment. I tell her I spoke to XXXX at XXXX XXXX and he told me to come down at my convenience to the branch. I told her Ill wait until someone helps me. I am passed off to a banker cubicle. At XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX Branch ) meets with me. XXXX quickly discovers there is no connection between my account and the check in question. He says ( 8 ) check were cashed, 1 @ {$80.00}, XXXX XXXX XXXX @ {$45.00}. Nothing for {$250.00}, {$500.00}, or {$560.00} seems to be related to me in any way. While XXXX is on the phone a representative tells XXXX I made this transaction at The XXXX XXXX XXXX. I try to find out where that branch is and it seems to be in XXXX XXXX, CA. XXXX says to the representative, XXXX was not in Colorado that day she was in XXXX XXXX. I'm totally confused by the comments about XXXX Branch. After an hour or hour and a half or so, XXXX tells me they will let him know something in 24hrs. He never hears back from anyone. On Thursday morning he checks into the matter himself and sees a credit for {$250.00} in my account ; he called me with the update that morning. He says they just made an error in the back office. Im relieved and think the situation is over. And a month and a half later.. XX/XX/2021 : I make a deposit at the branch ATM for {$200.00}. I come home to make sure the deposit shows as pending ( I no longer trust Chase ) and I see they have removed {$250.00} again from my business account and a service fee of {$15.00} for droppingbelow their minimum. XX/XX/2021 : Once again, I call Chase. For some reason I get XXXX in technical support when I call the number. I then get another representative that says there is nothing they can do for me. I request a supervisor. Supervisor just tells me the same thing - nothing can be done. XX/XX/2021 : I call Chase and talk to a representative that can do nothing so I request a supervisor. Im place on the line with XXXX ( Supervisor ) and he tells me he will escalate my situation. He tells me to call back Monday morning and ask for the Research & Adjustment Dept. He assures me its an error and they will give me a credit/adjustment. He gives me Ref. # XXXX. I make copies of all of my documents and drop to teller, XXXX XXXX for XXXX at the branch ( he was with someone in his cubicle ). She says shell give it to him. XX/XX/2021 I go to follow up with XXXX at the branch and they give me to the bank mgr, XXXX XXXX instead. I can tell no one has bothered to look at my documents. We spend an hour approx. calling 800 # s and they tell him they wont handle this over the phone. He is told I/we need to email my story to them. He types up the details and emails them while Im at his desk. Later that afternoon, he calls me to tell me Ill get some answers within 5 days. I never hear from XXXX ever again as of today XX/XX/2021. XX/XX/2021 I receive the official letter from XXXX XXXX that says to call XXXX if Id like to see the documentation showing why they have deducted the money from my account. At XXXX I call and get XXXX and she tells me she has no idea what the Ref. # on the letter is referring to. My nail client, XXXX, who used to work for a bank gets involved in my conversation and can not believe how illusive and rude the representative is being to us. We accomplish nothing and hang up in about 30 mins. XX/XX/2021 I call Chase and talk to XXXX and she tells me there are no notes in my file. I get hysterical and tell her I have called dozens of times, what is she talking about. When I press her hard she tells me she doesnt have access to the notes in my account. At this point we get in a screaming match. She talks over me and refuses to listen. I am irate at this point, ask for a supervisor. I am placed on hold for approx. 15 mins, no one ever returned to the line. XX/XX/2021 : XXXX Im venting to my client, XXXX XXXX about howd Im being treated by Chase bank. She says lets look on your statement for another XXXX #. We call the number around XXXX. ( We call : XXXX ) I get XXXX, I believe he said he was in Texas. He says I have 6 sets of notes ( cases XXXX in my file. He tells me after placing me on hold on and off for 30-45 mins that they are going to get back to me within 24hrs to reverse the {$250.00} deduction/error. I ask him is this still about the {$250.00} check they say I deposited in XXXX. He says yes, its about that check but now they are claiming I cashed the check but all of the correspondence said I made a " deposit '' of {$250.00} twice. I'm totally confused! They don't seem to know what happened and they want to just take the money from me without a bit of proof that I am the one who needs to have the {$250.00} deducted from my account. How could I possibly cash a check from XXXX XXXX # XXXX for {$250.00}, a XXXX XXXX check made payable to XXXX XXXX. Remember .... that check is stamped for deposit only to named payee and that is XXXX XXXX. XXXX assures me that I will be contacted about getting my money back in 24hrs. But I never hear from anyone. Not XXXX or his back office or the bank mgr XXXXr - NO ONE! It has been an additional 7-8 days they are refusing to respond to my inquiries ( at the time of this complaint ). XX/XX/2021 : The bank has now charged me a {$15.00} service fee becauseI I do not trust them to have any money in the account but I want to get this handled before I completely close the account. I decided I can not do this any longer. I drive down to the bank a deal with XXXX XXXX at the teller window. I ask to close my account. She says I may have to wait for a banker to close the account. I told her they havent helped me with anything thus far, please just close the account. She knows about my situation and tells me something to the effect, none of us can help what the back office does, as she rolls her eyes. So apparently everyone in the bank knows the situation. This has cost me months of frustration and dozens of hours. It is embarrassing knowing the whole bank staff has talked about my financial situation and refuses to help me. I can not ever walk in there again, they have demoralized me completely! When I leave I say, See you guys in court. She laughs and says, I wont there. The rudeness I've endured should not take place when they are the ones who can not do their jobs. XX/XX/2021 : I try to follow up on the conversation I had with XXXX last Wednesday @ XXXX XXXX XXXX XXXX opt. XXXX. I get ahold of XXXX ; after being put on hold I am disconnected. I call back and get XXXX. He tells me I should hear back about my claim either today or tomorrow. I ask him if I will get notification in writing he says yes. I ask him if the notification will come from XXXX XXXX XXXX, just like all of the others, he tells me she doesnt have anything to do with my claim. I ask if she ( XXXX XXXX XXXX XXXX has a phone number I can call, as all of the previous letters have come from her. He tells me she is in the back office and they dont have a phone number. I can tell he cant or won't give me anymore info. I thank him and we hang up. XX/XX/2021 : Still no response from Chase. Ive consulted an investigator from XXXX XXXX XXXX friend of a friend ) he says they must respond by law and because they refuse to do so, my only recourse is to file written complaints about JP Morgan Chase. | ||||||
| 07/31/2023 | Yes |
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| In XXXX of XXXX, XXXX, a domain and website hosting company, falsely stated and advertised through their chat customer service and through their online account that they could renew a domain and XXXX falsely advertised that they could provide 1 ). Hosting and 2 ). Privacy & Protection for the domain. After purchasing their falsely advertised services and XXXX not renewing the domain and not being able to provide the services that they falsely advertised they could provide, I contacted them for a refund. XXXX did not deny that they had not provided any services even though they had charged me {$260.00} on XXXX XXXX. XXXX also did not deny that they could not even provide the services. Still, XXXX failed to provide a refund. A credit card dispute was initialed on XXXX XXXX with the Chase Credit Card Dispute Dept. Attached are documentation of the dispute initiation, documentation of the complete initial submitted dispute information, and a letter sent to the Chase Credit Card Dispute Dept. on XXXX XXXX requesting that they properly process this credit card dispute. During the processing of this dispute, the Chase Credit Card Dispute Dept. failed to mail any information to me regarding the dispute except for short basic generic form responses with essentially no real information in regard to the dispute. A representative from the Chase Credit Card Dispute Dept. called but did not say they were calling from the Chase Credit Card Dispute Dept. and did not say why they were calling, making it appear to be a spam call and not from Chase. The Chase Credit Card Dispute Dept. failed to inform me of anything in regard to the processing of the dispute and I only found out that they did not follow-up on the dispute because I saw a reversal of the dispute credit on my credit card account. The Chase Credit Card Dispute Dept. failed to inform me that they put some limited information regarding the dispute online, accessible by clicking through menu items online. The information that the Chase Credit Card Dispute Dept. put online was just basic status information and did not contain the detailed dispute information that credit card dispute departments normally forward to their customers as a normal part of the dispute process. The Chase Credit Card Dispute Dept. failed to forward the response from the merchant. I had to contact the Chase Credit Card Dispute Dept. to try to obtain information that they should have provided to me as part of the dispute process. When I contacted the Chase Credit Card Dispute Dept. on XXXX XXXX, they told me that the Chase Credit Card Dispute Dept. had closed the dispute and failed to follow-up on the dispute. The Chase Credit Card Dispute Dept. had failed to allow me an opportunity to respond to the merchants response. I asked that Chase reopen the dispute and follow-up on the dispute. I was asked to fax additional information to the Chase Credit Card Dispute Dept., even though they had never provided a copy of the response from the merchant. I asked for information on the merchants response, as the merchant had never provided the services, so, obviously, there should be a refund. The Chase Credit Card Dispute Dept. gave me very little information and they could not explain why they had not obtained a refund when the merchant had never provided any services. I requested that the Chase Credit Card Dispute Dept. send me the response from the merchant. The representative said that she would request that the response be given to me and said that it would be available online in 48 hours. ( It wasnt. ) The Chase Credit Card Dispute Dept. representative could not explain why Chase did not and does not send a copy of the merchants response to their credit card customer as a normal part of the dispute process. The Chase Credit Card Dispute Dept. still failed to timely provide a copy of the merchants response to the initiated dispute. I provided and faxed additional information to the Chase Credit Card Dispute Dept. on XXXX XXXX, shortly before their stated deadline, even though they still never provided a copy of the merchants response that they were asking me to address. On XXXX XXXX, I contact the Chase Credit Card Dispute Dept. again to ensure that they were following-up on the dispute, and the representative could not answer hardly any of my questions and was only able to say that they would provide an update in 15 days. I then also contacted the Chase Fraud Dept. on XXXX XXXX, since the merchant was apparently not agreeing to a refund, even though they had not provided any services and were attempting to take funds when they could not provide any services. The Chase Fraud Dept. representative put me on hold and contacted the dispute team. She then got back to me and assured me that the dispute department would follow-up on the dispute and get a refund since the merchant had not provided any services and since the merchant was trying to offer and charge people for services that they could not provide. She said that she was making notes on the account. I did not hear back from the Chase Credit Card Dispute Dept. Then, on XXXX XXXX, I received an email from the merchant saying that I had been charged again. Without any notice to me, the Chase Credit Card Dispute Dept. had put a short status on the online account ( underneath menus ) that stated that they did not follow-up on the dispute and had just simply closed the dispute, even though the merchant had never provided any services, and despite that fact that it appears that the merchant is trying to intentionally defraud people and despite the fact that I was told by their fraud dept. that they would follow-up on the dispute and make sure that I received a refund. The Chase Credit Card Dispute Dept. failed to follow standard, normal, basic procedures in processing this dispute. The Chase Credit Card Dispute Dept. failed to communicate information to us, as their customer, in regard to this dispute. The Chase Credit Card Dispute Dept. failed to even provide documentation from the merchant to me before deciding not to follow-up on the dispute. The Chase Credit Card Dept. failed to obtain a refund for the charged amount, even though the merchant never provided services. I have never before seen a Credit Card Dispute Dept. that doesnt even take basic steps to follow-up on a Credit Card dispute. I have never before seen a Credit Card Dispute Dept. that fails to communicate basic information to their customer. I have never before seen a Credit Card Dispute Dept. that can not obtain a refund when the merchant never provided the services. I have never before seen a Credit Card Dispute Dept. that doesnt care if a merchant is very apparently trying to defraud people. I have never before seen a Credit Card Dispute Dept. that so obviously has no regard for the interests of their customers. The Chase Credit Card Dispute Dept. failed to follow-up on this dispute, despite the fact that the merchant had not provided services and a refund is due. This was an easy dispute. There were no services provided by the merchant. The merchant does not ( and can not ) dispute this. The merchant never provided nor made available any services. There is nothing to pay for. It is fraud on the part of the merchant to not provide a refund. There is nothing for them to charge for. They have provided nothing. It is extremely poor for Chase not to provide personnel who can handle such an easy dispute. It is extremely poor for Chase to allow their customers to be defrauded. As stated, the Chase Credit Card Dispute Dept. failed to forward the information from the merchant, which is a standard part of the dispute process and the only way for them to get responses from their customer so that they can make sure to have all pertinent information in regard to the dispute. Only after they erroneously closed the dispute and after I specifically requested the information from the merchant twice did they finally forward the response from the merchant. The response from the merchant does not even address the fact that they did not provide any services. In other words, the merchant does not even deny that they did not provide the services. The response from the merchant does not address any of the pertinent facts in regard to this dispute. Their response is just a canned response that they probably forward for all disputes that is just a copy of their terms and conditions. Their terms and conditions are irrelevant when they falsely advertised that they could provide services that they could not provide and they did not provide any services. In addition, the fact that the merchant is trying to take money from people with false advertising of services through customers online accounts, and not provide a refund when they know that they falsely advertised and did not provide any services, constitutes illegal activity and fraud on the part of the merchant. It is unbelievable that Chases Credit Card Dept. would let a merchant get away with fraud in regard to their customers accounts. | ||||||
| 08/21/2019 | Yes |
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| Let me add number to the sequence of activities made on my account: 1. I signed up on XX/XX/XXXX for a debt relief program-XXXX XXXX XXXX. They told me that if I just stopped paying on my credit cards then they would use the monthly fee I would pay them and then down the road commit to a settlement offer with the banks.2. My last payment for both the credit cards was on XX/XX/XXXX (to pay for XX/XX/XXXX XX/XX/XXXXpayment).3. Due to the debt relief program, I left both the credit card accounts for the remainder of XX/XX/XXXX and did not pay for the beginning of XX/XX/XXXX payment.4. XX/XX/XXXX I was contacted by Chase customer support for the credit card department for both credit cards ending in XXXX and XXXX. I spoke with a representative and I explained why my credit card payments were late(because I signed up for the debt relief program and stopped paying for XX/XX/XXXX). They then suggested that I close both my credit card accounts and set up a balance liquidation account for each card. I agreed to plan as it was going to lower my monthly rate and interest rate. Card ending in XXXX was going to automatically deduct $XXXX from my chase checking --- on XX/XX/XXXX. Card ending in XXXX was going to automatically deduct $XXXX from my chase checking --- on XX/XX/XXXX. I set up the payment plan with the support associate and waited for a follow up email confirming the transactions that will be automatically deducted.5. XX/XX/XXXX I received both the emails for the credit cards ending in XXXX and XXXX (date sent XX/XX/19 date received/dated by support associate XX/XX/19) confirming the new balances and the payment plan in which I would be set up for the next 5 years. 6. XX/XX/2019 I called Chase credit card customer support services and wanted to defer my payments for XX/XX/XXXX as I was let go from my last job and started a new job however will not be paid enough for XX/XX/XXXX payments for both the credit cards (mentioned above). While I spoke with the representative (XX/XX/XXXX) she told me that I have had a late credit card payment since XX/XX/2019. I know that I had a late credit card payment for XX/XX/XXXX ( due to the debt relief program). I explained to her that I called and set up a credit card payment program to pay $XX/XX/XXXXfor credit card ending XXXX and the $XX/XX/XXXX for credit card ending in XX/XX/XXXX(first month- $XX/XX/XXXX going forward). I told her that all the payments have been automatic since XX/XX/XXXX when we set up the payment plan. She just kept saying over and over that I had a late payment in XX/XX/XXXX and it just used that late payment fromXX/XX/XXXX to XX/XX/XXXX considering it late and lowering MY CREDIT SCORE. 7. I investigated my transactions and downloaded all of the XXXX reports (attached for review). Upon checking ALL the transactions I have made, even going back to XX/XX/XXXX of this year, PER THE EMAIL SENT ON XX/XX/XXXX (DATE STAMPED XX/XX/XXXX) I found that the AUTOMATIC PAYMENT FOR XX/XX/XXXX, WAS NOT MADE FOR CREDIT CARD ENDING IN XXXX FOR THE AMOUNT OF $XXXX. I found that the AUTOMATIC PAYMENT FOR XX/XX/XXXX WAS SUCCESSFULLY MADE FOR CREDIT CARD ENDING IN XXXX FOR THE AMOUNT OF $XXXX. 8. Per the “Screenshots of proven auto deduct payments” XXXX worksheet. I had MORE THAN ENOUGH money to cover both the payments for both credit cards on XX/XX/XXXX. The following is the transactions: DATE TRANSACTION NAME TYPE AMOUNT BALANCEXX/XX/XXXX Online Transfer from CHK ... transaction#: ---- Account transfer $XXXX $XXXX XX/XX/XXXX Payment to Chase card ending in XXXX XX/XX/XXXX Account transfer −$XXXX $XXXX 9. Per the transaction history it shows that a “XX/XX/XXXX Payment Thank You - Speci−$XXXX ( credit card ending XXXX)” 10. On XX/XX/XXXX my account balance before the credit card payments were to be processed was $XXXX. If we deduct the $XXXX (credit card payment) from account ending in XXXX then it comes out to $XXXX. This remaining amount should’ve covered BOTH CREDIT CARD PAYMENTS. I then transferred over $XXXX on XX/XX/XXXX making a new amount of $XXXX. Regardless of whether the payment was to be deducted on XX/XX/XXXX orXX/XX/XXXX my balance had MORE THAN SUFFICIENT FUNDS TO COVER THE BALANCE FOR BOTH PAYMENTS.11. PER THE EMAILS SENT ON XX/XX/XXXX( STAMPED XX/XX/XXXX BY THE SUPPORT ASSOCIATE) THE EMAIL STATED: (At the beginning) “We are writing to confirm the following electronic payments you authorized to your credit card account during our recent phone conversation.” (at the end)- To change any payment(s) you’ve authorized, please be sure to notify us at least 24 hours before the transaction date or we will continue processing the payment.”I AGREED TO AN AUTOMATIC PAYMENT SERVICE, WHY WAS CREDIT CARD ENDING XXXX PROCESSED AND CREDIT CARD ENDING XXXX NOT?WAS THIS FIRST INITIAL PAYMENT SET UP MANUALLY BY THE CUSTOMER SUPPORT ASSOCIATE AND THEY FORGOT TO SET IT UP FOR THE CREDIT CARD ACCOUNT ENDING IN XXXX?12. Date: XX/XX/2019 XXXX:XXXX:XXXXTo: Chase OnlineSubject: Account InquiryMessage: Hello,On XX/XX/XXXX, I set up a bank liquidation payment program for both my credit cards ending in XXXX, XXXX via the CC customer support team. Both credit card payments were suppose to be withdrawn on XX/XX/XXXX and while investigating my checking account ending in --- I found that the amount of $XXXX for the card ending in XXXX was successful however the credit card XXXX was not successful. I am not sure because according to the downloaded bank statement for XX/XX/2019-XX/XX/19 there was in fact sufficient funds for both payments to be made. Now, knowing that my account looked odd I called customer support for credit cards on XX/XX/XXXX, XXXX:XXXX XXXX XXXX XXXX-XXXX Toll Free Call XXXX 08:00 min. I asked the agent to verify and confirm that my payments did go through and that my account was indeed up to date because my balance and info looked odd. He assured me this was the case and that everything on my account looked fine. XX/XX/XXXX I call and told that im behind in payments since XX/XX/XXXX which is IMPOSSIBLE. Please reference the downloaded XXXX sheet of transactions and available balance for XX/XX/XXXX. Also please reference the official bank statement download attached to verify the transactions. I was told by a Supervisor in Customer Support CC accounts and by a Supervisor in customer service that I am required to retrieve a statement or document that verifies and proves that there was in fact enough funds on XX/XX/XXXX for both the payments to be deducted. I called customer service today for my checking account ending in --- to request for a document or statement that verifies the available balance for XX/XX/XXXX. XXXX and his supervisor XXXX informed me that there is NO ability for them to send me any documentation or email me information other then sending me my statement balance and transactions that occurred for the month of XX/XX/XXXX. I asked them if I need to go to a branch and get a documented letter and proof of transactions and available balance and they said they didnXXXXXXXXt know. So I am now asking that this concern be escalated immediately to someone that can provide me with the documentation that both the supervisors say I am suppose to be getting for validation. If this issue is not escalated and addressed and resolved immediately then I will begin with taking legal action because going around in circles with the 2 different departments is NOT MAKING ME A HAPPY CUSTOMER!!!!!! IM XXXX, LIVID, ANGRY AND ANY OTHER TERRIBLE EMOTION YOU CAN IMAGINE. Why? Because of an error made on the systems side, not mineXXXX¦ and because someone on XX/XX/XXXX gave me the WRONG information my credit is SCREWED. You guys have officially destroyed my creditXXXX¦ So either this issue gets escalated to the CEO Escalation team or some team able to resolve this, or I will be taking legal action.Why was the payment for CC ending XXXX successful but the CC ending in XXXX payment was NOT?******ESCALATE THIS ISSUE AND CALL ME IMMEDIATELY************(Email above sent to Chase Executive escalations for review)XX/XX/XXXX, I received a phone call from an excutive member from the headquarters and was unable to speak with the individual as my work schedule conflicts with the availability for calls. I called back and requested to speak to someone on the executive team and then was told from XXXX that he does not know whats going on my account and that the other executive member needed to call me back during a time best for me, he set up the time and then just hung up on me without asking me if I had other questions, telling me goodbye or anything. I have received little to NO help with ensuring the individual from XX/XX/XXXX is held accountable for verifying that my account was in good standing etc.So now I have over 4 months in late fees, interest rate and kicked off the bank liquidation program. My credit score also jumped DOWN 136 points resulting in a POOR credit scoreI have attached multiple documents already to chase in which they can find on my account and recent messages sent with PROOF of balances and call. | ||||||
| 09/18/2018 | Yes |
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| Table of Authorities : 1. New York Consolidated Laws Fiduciary Power BNK 201-b Every foreign banking corporation licensed pursuant to article two of this chapter to maintain one or more branches or agencies in this state, and holding an authorization certificate issued pursuant to this section may, subject to such further limitations and restrictions as the superintendent may prescribe, exercise the powers described in sections one hundred, one hundred-a, one hundred-b and one hundred-c of this chapter to the same extent, and subject to the same requirements and restrictions and effect as apply in the case of trust companies in the exercise of such powers. The superintendent shall, within sixty days of the receipt by him of a request for such authorization, issue to a foreign banking corporation licensed pursuant to article two of this chapter to maintain one or more branches or agencies in this state, a certificate of authorization to exercise the fiduciary powers referred to in this section at all or at any one or more of its authorized branches or agencies, if he shall be satisfied that such powers will be exercised in accordance with the requirements of this chapter. The superintendent may, after giving notice of the contemplated action and reasonable opportunity to be heard, revoke any such certificate of authorization if he shall find that a foreign banking corporation so authorized has failed to conform to any requirement of this chapter relating to the conduct of such business. Such revocation may apply to one or more of the authorized branches or agencies of a foreign banking corporation. 2. New York Consolidated laws - Maintenance of Books and Accounts BNK 200-c : Every foreign banking corporation licensed pursuant to this chapter to maintain one or more branches, agencies or representative offices in this state shall maintain or make available at any such branch, agency or representative office appropriate books, accounts and records reflecting ( i ) all transactions effected by or on behalf of the branch, agency or representative office and ( ii ) all actions taken in this state by employees of the foreign banking corporation located in this state to effect transactions on behalf of any office of such foreign banking corporation located outside this state. 3. New York Consolidated Laws- Joint Deposit and Shares ; Ownership and Payment BNK 675 : ( a ) When a deposit of cash, securities, or other property has been made or shall hereafter be made in or with any banking organization or foreign banking corporation transacting business in this state, or shares shall have been already issued or shall be hereafter issued, in any savings and loan association or credit union transacting business in this state, in the name of such depositor or shareholder and another person and in form to be paid or delivered to either, or the survivor of them, such deposit or shares and any additions thereto made, by either of such persons, after the making thereof, shall become the property of such persons as joint tenants and the same, together with all additions and accruals thereon, shall be held for the exclusive use of the persons so named, and may be paid or delivered to either during the lifetime of both or to the survivor after the death of one of them, and such payment or delivery and the receipt or acquittance of the one to whom such payment or delivery is made, shall be a valid and sufficient release and discharge to the banking organization or foreign banking corporation for all payments or deliveries made on account of such deposit or shares prior to the receipt by the banking organization or foreign banking corporation of notice in writing signed by any one of such joint tenants, not to pay or deliver such deposit or shares and the additions and accruals thereon in accordance with the terms thereof, and after receipt of any such notice, the banking organization or foreign banking corporation may require the receipt or acquittance of both such joint tenants for any further payments or delivery. ( b ) The making of such deposit or the issuance of such shares in such form shall, in the absence of fraud or undue influence, be prima facie evidence, in any action or proceeding to which the banking organization, foreign banking corporation, surviving depositor or shareholder is a party, of the intention of both depositors or shareholders to create a joint tenancy and to vest title to such deposit or shares, and additions and accruals thereon, in such survivor. The burden of proof in refuting such prima facie evidence is upon the party or parties challenging the title of the survivor. ( c ) The superintendent of financial services shall promulgate and may from time to time amend rules and regulations which require that the joint tenants of an account established on or after the date on which the rule or regulation becomes effective and representing any deposit or shares governed by the foregoing provisions of this section, shall, at the time the account is established be informed of the terms and conditions of the account including the relationship and consequences between the parties in the account and the responsibilities of the institution with which the account is established. This subdivision or any rule or regulation thereunder shall not be deemed or construed as increasing or diminishing the rights or liability of any person, or other entity. 4. New York Consolidated laws Decedents accounts ; withdrawal by authorized person : A.The maximum withdrawal permissible by law for purposes of this section shall be the amount permitted to be paid, without the consent of the commissioner of taxation and finance, under rules or regulations promulgated by such commissioner pursuant to section one hundred seventy-one of the tax law. B.Repealed by L.1997, c. 389, pt. A, 31. C.Notwithstanding the foregoing, no banking organization or foreign banking corporation shall be required to make any payment pursuant to this section if ( a ) it has notice of an adverse claim with respect to any such savings or time deposits or shares standing on its books to the credit of the decedent, or ( b ) there is in effect an order, injunction or other appropriate process of a court of competent jurisdiction restraining such payment, or ( c ) it has notice that such payment would violate the terms of a legal and valid trust, or ( d ) such payment is inconsistent with any federal laws or regulations. D.Such payments as any banking organization or foreign banking corporation is required to make pursuant to this section shall be a valid and sufficient release and discharge to such banking organization or foreign banking corporation for any payment so made. 5. FINRA Rule 2160 Use of Information obtained in a fiduciary capacity : A member who in the capacity of paying agent, transfer agent, trustee, or in any other similar capacity, has received information as to the ownership of securities, shall under no circumstances make use of such information for the purpose of soliciting purchases, sales or exchanges except at the request and on behalf of the issuer. Background : In 2011 I inherited joint tenancy with XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX, & XXXX XXXX held by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) under custody and deposit agreement at J.P Morgan Chase in New York ; Account numbers XXXX and XXXX. Since this date J.P Morgan has consistently paid XXXX XXXX XXXX listed on XXXX XXXX XXXX XXXX 45 % of the royalties on XXXX XXXX. Despite this consistent payment, the other stockholders of 55 % have not been paid. This is in breach of their fiduciary responsibility as the clearinghouse on the account. Also J.P Morgan Chase & their two clients XXXX XXXX XXXX and XXXX XXXX XXXX have co-conspired to illegally assign 45 % equity interest XXXX XXXX XXXX and maintain a sales/purchase agreement with XXXX XXXX XXXX to deliver over XXXX bb/l of XXXX XXXX XXXX crude oil a port in the XXXX XXXX of the XXXX XXXX. These corporate actions in coordination with J. P Morgan Chase are in breach of their fiduciary duty, in violation of XXXX XXXX XXXX share repurchase policy, and should be considered Insider Trading. There is also a violation of FINRA rule 2060 with information obtained in a fiduciary capacity, then used to make sales and purchases, must be only on behalf of the issuer. Relief : An order from the Consumer Financial Protection Bureau as to the following : 1. The balance of payments since 2011 be paid up to the Estate of XXXX XXXX XXXX XXXX. 2. J.P Morgan must keep adequate books and records of the account. 3. XXXX XXXX XXXX must be informed of every transaction on the account within a reasonable time and must retain supervisory control. 4. Ownership & Control Report to be kept on file at the bank as mandated by Intercontinental Exchange Regulation. 5. The right of the Estate of XXXX XXXX XXXX to give instructions and caveats regarding this transaction, custody/deposit agreement, and general corporate policy. | ||||||
| 08/04/2023 | Yes |
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| On XX/XX/XXXX I disputed the amount of {$9000.00} from merchant XXXX with Chase. On XX/XX/XXXX, Chase notified me that they investigated and found the charge to be valid and case is closed. I sent my first complaint to CFPB on XX/XX/XXXX outlining the problem. On XX/XX/XXXX, Chase responded that they confirmed their previous findings. However there are many unanswered questions about the case so I submitted my feedback on XX/XX/XXXX. Since I haven't heard back, I called the case manager XXXX from the Card Executive Office and she told me I would need to open a new case so here I copied my feedback from XXXX, before I left on vacation. This is in response to the final letter from Chase dated XX/XX/XXXX. Lets first understand what the full services are that the merchant agreed to for Level 4- {$9000.00}. The merchant was to provide my XXXX 6 XXXX pre-production sessions with their writer and acting coach and provide participation in production/filming as stated on the merchant contract and advertisement. The agreed dates/times for the 6 XXXX sessions are completed as outlined on my timeline sent to Chase. The promised dates of the production/filming is XX/XX/XXXX week for 4 days at XXXX XXXX in California. My husband, daughter, mother-in-law and myself are in XXXX, GA and will need to pay for travel and accommodations to XXXX XXXX. Did Chase dispute team review my timeline, the contract and advertisement? Because if they did, I dont understand how Chase did not catch that the merchant lied on their XXXX XXXX response claiming they rendered full services based on 6 XXXX calls. Please explain this to me. Id like to address Chases response in XXXX points below. 1. Chase stated charge is valid because I agreed to the date and time of the service as well as a report from XXXX showing that service was rendered in full. The XX/XX/XXXX response from merchant with exhibit A shows I acknowledged a XXXX schedule of 6 pre-production calls. Where did I agree that this is the full service rendered? I did no such thing. Their response should raise red flags because the emails between myself and merchant shows a back and forth about filming dates in XXXX so how can the 6 XXXX be full services rendered? Why didnt anyone question this? Were the emails I provided ignored? Even more importantly, the merchant exhibit A purposely omitted the last sentence of the paragraph in contract stating " As a result of completing the pre-production meetings, XXXX and Client will consider XXXX prepared and allow XXXX to participate in a XXXX+ production under the terms and conditions of this contract. '' Why didn't anyone at Chase check the merchant exhibit A against the full contract that I submitted to Chase? Further, I attached the merchant advertisement showing Level 4- {$9000.00} includes filming as well. So let this be clear, the merchant full services are Meet with Writers 6x + Acting Coach + Filming as outlined on the XXXX advertisement and contract. Why was the merchant 's XX/XX/XXXX response accepted at face value? Why didn't Chase contact me and give me the opportunity to respond between XX/XX/XXXX and XX/XX/XXXX? No one at Chase reached out to me after I called them on XX/XX/XXXX. I called again on XX/XX/XXXX asking for an update. I spoke with XXXX and he told me its still in process. Chase had the opportunity to win this case with the full contract and advertisement provided as evidence to prove that merchant lied on their XX/XX/XXXX response. Why didnt Chase send the proof to merchants bank? 2. Chase stated they needed evidence showing merchant promised services for XX/XX/XXXX week. On XX/XX/XXXX I called Chase after I received notification of their letter dated XX/XX/XXXX asking if we want to continue the dispute. I spoke with XXXXChase rep at XXXXXXXXEST and told her my evidence is a voice recording of the merchant promising XX/XX/XXXX week for production/filming. The merchant told me to keep XXXX XXXX open. We paid for Level 4, 4 days filming experience. In the voice recording the merchant confirmed that they booked XXXX XXXX in CA for XX/XX/XXXX week. I was on the phone with XXXX/Chase rep for 17 mins and 10 secs. At the 5 min 54 sec mark, I explained to her about the voice recording and asked how we can do this. However at the 12 min 54 sec mark, XXXX told me that they can't use the audio recording and told me to just put on my response that they verbally told me. I followed her instructions, which led me to believe that was enough. Why didn't Chase accept the voice recording as evidence? Why did Chase tell me to just respond that they verbally told me if that wasnt enough evidence? 3. Chase stated that they explained on XX/XX/XXXX that the outcome of the dispute will remain the same because the merchant provided proof that they made the services available to me. What and where is that proof? Is the proof the XXXX calls? Then I refer to my questions from point # 1. The merchant never offered another 4 dates that satisfied the agreement. The service I paid for is 4 days summer camp. But in merchant 's email on XX/XX/XXXX, XXXX said she will organize to film in one day on XX/XX/XXXX. She tried to convince me on a phone call to accept 1 day. I paid {$9000.00} for 4 days experience. The conversation left me very uneasy. When merchant never offered to refund any amount or make any amends that is fair to us, I felt they were up to no good. The emails I have shows the merchant made no attempts to make the full service available to me, quite the opposite. I was the one who was trying to accommodate and we were willing to forfeit 1 day experience by asking if they would move up the filming service to XXXX XXXX XXXX. They said no. They didn't budge and told us the 4 filming dates ( XXXX XXXX ) can't be moved but they can get my daughter 's filming done in less days. Again this is their attempt to make me accept lesser days of service than what was agreed without any reimbursement. Our flight tickets leave XXXX for XXXX, XXXX on XX/XX/XXXX. That means we would have to fly back on the XXXX from XXXX XXXX to XXXX and still possibly risk our flight to XXXX the next day with all the flight delays and cancellations these days. That leaves us 2 day filming experience on XX/XX/XXXX and XXXX. I paid for a 4 day experience, not 2 days. Because of our interactions I have a bad feeling that even if we agreed to do the 2 days, paid for airfare, hotel and transportation from XXXX to XXXX XXXX that the merchant will end up cutting filming to just 1 day as mentioned on their email. Where is the evidence that they made services of filming 4 days available to me? On merchant responses on both XX/XX/XXXX and XX/XX/XXXX proves they never had intentions to refund anything even though they are the ones who changed the filming dates well after the 3 day cancellation policy. And knowingly changed it to XX/XX/XXXX week when we told them before signing the contract that we couldnt film that week due to existing travel plans. They are the very definition of unscrupulous businesses. If anyone stepped in my shoes, they will realize they are being conned. 4. Chase stated that they are past the allowable timeframe to pursue this matter further under the XXXX Core Rules. What actions did Chase make after the merchant response on XX/XX/XXXX if Chase knew the timeframe expires on XX/XX/XXXX? Why didnt Chase put urgency to resolve this case before the timeframe expired? Why was I not notified prior to XX/XX/XXXX that the merchant responded on XX/XX/XXXX? Why did Chase only send me a letter on XX/XX/XXXX, 7 days past the allowable timeframe when there is no recourse with Visa? I called and spoke with Chase reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask how to appeal or dispute the transaction again. Why didnt anyone tell me that the timeframe with Visa has expired on those calls? Why would the dispute team advise me on XX/XX/XXXX on how to dispute the transaction again if the timeframe with Visa has already expired? Again I followed the instructions from Chase rep to file the re-dispute and sent all documents through the Secure Message center. On XX/XX/XXXX I received notification that Chase sent a letter dated XX/XX/XXXX with the same result, that charges are valid but no explanation why. I called same day and only then I was told that the timeframe to appeal has expired. Why didnt Chase communicate this to me when I spoke with them from XXXX? According to FTC, if I disagree with results of the investigation, I have the right to appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. Is it right or legal that my right to appeal was taken from me because the Chase dispute team didnt act promptly? All my efforts with the merchant was exhausted and that's why I depended on Chase dispute team to help consumers like me who are frauded by unscrupulous merchants like these. I would like Chase to review all the evidence with a fresh set of eyes and provide answers to all my questions asked above. | ||||||
| 06/08/2023 | Yes |
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| To whom it may concern, THIS IS NOT A DUPLICATE COMPLAINT. I am requesting to provide new information and evidence to Chase Bank on a previous claim that was closed. I now have recordings of my XXXX calls to the police starting at XXXX XXXX which I consider evidence of having reported my phone stolen. Chase Bank is refusing to return the funds that were stolen from my account using my phone and a stolen debit card. This was allowed to happen due to Chase Bank 's faulty security system. I went to XXXX XXXX in XXXX XXXX and was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my face was used to unlock my phone. I came to in the vehicle and discovered my phone was missing from my pocket. I saw it in the hands of the person driving the car and took it back, but the people in the car wrestled it away from me. I demanded to be released from the car, but they would not stop. I ended up grabbing one of their phones and jumping from a moving vehicle. By the time I got back to my XXXX and called XXXX, they had already turned off " find my XXXX '', changed my passwords to banking apps, and changed my XXXX ID I was also separated from my friend so went back on the streets looking for him during the night while calling the police repeatedly I did not realize it until the next day, but they also took a debit card from my wallet. I reported my phone stolen at XXXX XXXX by calling XXXX. By the time I was able to go through the process of acquiring the official XXXX call recording from the XXXX XXXX Police Department, Chase Bank had already denied and closed my claim stating they were ". I would like the claim to re-opened and the XXXX calls to be reviewed. It's clear that I reported the theft to the police before many of the transactions occurred. DEBIT CARD TRANSACTIONS : Thieves were able to use my debit card with large sums of cash back at several store locations all night including at XXXX XXXX XXXX XXXX XXXX and others. The total stolen at point-of-sale locations using the debit card is {$6200.00}. It is not clear to me how so much cash back could be allowed at ANY grocery store in the middle of the night, even with " approval '' on a registered device. The fact that numerous accounts were being emptied with repeated debit card transactions for hundreds of dollars in the middle of the night in a city where I do not live should have triggered an alert to the fraud department at Chase Bank, even if someone " authorized '' these transactions. Criminals will always authorize transactions using stolen devices. ATM WITHDRAWALS : Thieves were able to steal {$4000.00} from my ATM accounts using my debit card. I do not know how they got my pin number, but I assume they figured it out from looking through my phone. However, I also believe it's possible that Chase Bank has an insider helping criminals. The reason Chase Bank gives for not refunding my money is, " We denied these claims because we sent a text message to a signer on the account, and they confirmed the transactions were valid before we approved them. '' After months of calling and trying to get more information, I learned from the Chase Bank Fraud Claim Department that the signer they are saying authorized the transactions was XXXX XXXX XXXX. XXXX is my sister and is on this account, but she was home in bed in Texas in the middle of the night, and did not authorize these transactions. Chase Fraud Claims Department states that the transactions were authorized by the phone number belonging to XXXX XXXX. This is a FABRICATION. She did not receive or approve text messages during the night, and they will not or can not provide proof that she responded to any texts approving these transactions. This message was not sent to XXXX 's phone, and it was not sent to a " signer. '' It was likely sent to my phone that was authorized with Chase Bank, but which was stolen and which was reported stolen at XXXX XXXX. Naturally, a criminal who has stolen a phone with full access to it is going to " authorize '' the release of funds since they want to steal that money. The fact that numerous accounts were being emptied with repeated ATM withdrawals for hundreds of dollars in the middle of the night in a city where I do not live should have triggered an alert to the fraud department at Chase Bank, even if someone " authorized '' these transactions. Criminals will always authorize transactions using stolen devices. XXXX XXXX TRANSFERS : Thieves were able to steal XXXX from my checking account by creating a new XXXX XXXX account and transferring funds from my Chase Bank checking account to that new XXXX XXXX account. The criminals changed my XXXX ID password and associated the XXXX ID and XXXX XXXX account with their own phone. This transaction was allowed to take place on XX/XX/2023, which is 5 days after our account had been frozen due to other theft related to the same criminal activity in XXXX XXXX. Chase Bank was fully alerted of the theft and frauduletn activity on the morning of XX/XX/2023. I do not understand why they allowed this further theft to occur. The response from Chase Bank is very confusing, and doesn't explicitly state that XXXX XXXX refused my claim. The response states, " We reviewed your claim XXXX for the transactions with XXXX XXXX totaling {$4900.00} which debited your account ending in XXXX on XX/XX/2023. We issued a temporary credits totaling {$4900.00} to your account on XX/XX/2023. We denied the claim because the merchant provided evidence that you were charged correctly and we removed our temporary credits on XX/XX/2023. We also show that the merchant returned the credits to your account on XX/XX/2023, totaling {$4900.00}. '' This implies the funds were returned to my account, but they did not mention that they were debited from the account again on XX/XX/2023. I believe this was in error. The Chase Bank fraud claim representative stated that XXXX XXXX had done their own investigation and determined that the funds were not returned to my account because they didn't have evidence of a crime taking place. I was told I would have to contact XXXX XXXX for more information about their investigation. When I called XXXX XXXX, I was told they do not do any investigation but rather Chase Bank would have done the investigation and that I have a right to the details of that investigation. They stated they did not explicity deny or approve anything related to my transactions. I would like Chase Bank to provide me with copies of all evidence gathered in the fraud investigation, and I believe I have a right to it. This includes any records showing that XXXX XXXX or their partners provided a denial of my claim, and any text messages or other information approved the transfer from my Chase Bank checking account to the XXXX XXXX account set up by criminals. After calling XXXX several times during the night, I was finally able to file a police report the next day. I also filed a complaint with the FBI in person at the XXXX XXXX office. I have provided the police report stating my phone was stolen and that financial crimes occurred. I have provided the FBI contact information to Chase Bank as well, but they have not called him. I have provided dozens of documents showing the lock code being used by me at the XXXX throughout the night, phone call records to XXXX, my wife, etc. Frantic texts from my friend who realized I had been XXXX, etc. For the record, an Chase Bank employee with the title " Vice President '' told me XXXX 's security " sucks '' and until XXXX understands this sort of fraud with stolen phones, a whole lot more people are going to get ripped off. I would like to know if XXXX fraud claim investigators reviewed video footage from the XXXX ATMs ( or others ATMs ) showing who made the ATM transactions? If not, why not? If so, who shows up in the footage? It was not me or any other authorized account holder. It was a criminal. Chase Bank fraud claims representatives did not call the FBI according to the special agent working on my case. By calling the FBI, XXXX representatives could gain further assurances that I am a victim of kidnapping and theft. Why haven't XXXX representatives working on my claim called the FBI and inquired about my case there? I provided the contact information early on. The FBI case and XXXX XXXX Police Department case are still active, and I do hear from these authorities with some information on occasion. As of yesterday, XX/XX/2023, I was told by an FBI special agent working my case that there is criminal litigation in the works. How will it affect my claims to Chase Bank if there are criminal charges brought against my kidnappers? I expect that a guilty verdict for the crimes against me should reverse any decisions denying my claims. I do not want to wait for that resolution, as it's obvious that I was the victim of fraud, and that Chase Bank 's security failed me. I will continue to pursue this matter until all of the funds stolen from my Chase Bank accounts are returned to me. Thank you, XXXX XXXX XXXX | ||||||
| 06/23/2018 | Yes |
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| On XX/XX/XXXX, I was approved for a merchant account with JPMorgan Chase and its merchant division XXXX XXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP Head of Sales of XXXX XXXX. My reason for obtaining a merchant account was to start an online business and operate it as a sole proprietorship. Despite purchasing a website domain, I was never able to fully fulfill my goal due to the unethical and fraudulent business practices of JPMorgan Chase and XXXX XXXX. As of the date of this complaint I do not own and or operate any sole proprietorship. From XX/XX/XXXX until XX/XX/XXXX, I was a customer of JPMorgan Chase and XXXX XXXX. During that time, I fully complied with all terms, covenants, and conditions as outlined in the agreement. On XX/XX/XXXX, I received an email from XXXX XXXX Risk Department informing me that my merchant account had been terminated due to a violation of section 10.3 of the merchant agreement. After spending the next week making repeated phone calls and sending emails to XXXX XXXX customer service department, I still had no explanation as to exactly why my account had been terminated. At this point, I decided to apply with several other banks for a new merchant account. Each time, I was denied credit and was told that my name, address, birthday, social security number, and other personal information had been placed on XXXX MATCH List, also known as the Terminated Merchant File ( TMF ). Through these credit denials, I learned that JPMorgan Chase had placed me on the MATCH List. As of the date of this complaint, no bank has approved me for a merchant account. Since XX/XX/XXXX, I have contacted dozens of nameless customer service representatives from XXXX XXXX and JPMorgan Chase, which owns XXXX XXXX. No one could give me a reason why my account was terminated, nor were they able to confirm that JPMorgan Chase had placed me on the MATCH List. On XX/XX/XXXX, I filed a complaint against XXXX XXXX with the XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, the complaint was closed because XXXX XXXX never had the courtesy to respond to my complaint. During this time, I sent certified letters through the USPS to multiple XXXX XXXX employees, specifically XXXX XXXX, President, XXXX XXXX, EVP of Sales, XXXX XXXX, Director, and XXXX XXXX, Director of Client Relations. In addition, I sent certified letters to XXXX XXXX, President of JPMorgan Chase Merchant Services and XXXX XXXX, CEO of Chase Commerce Services. As of the date of this letter, none of these individuals, with the exception of a representative for XXXX XXXX, have had the courtesy to respond to this vital matter. On XX/XX/XXXX, I filed a complaint with the XXXX against JPMorgan Chase. I received a letter dated XX/XX/XXXX from JPMorgan Chases Executive Office from XXXX Ohio in response to my complaint. The letter included the terms of section 10.3, as cut and paste from the merchant agreement, along with a short statement that the reporting was accurate, and they were unable to remove me from the MATCH List. In response, I sent a letter demanding that they provide me with evidence that I had violated the terms, covenants, and conditions stated in section 10.3 of the merchant agreement. I received a response from JPMorgan Chase, dated XX/XX/XXXX, stating they were sorry I was dissatisfied with how they had researched my concerns, but that their decision was final. Furthermore, they would no longer be able to respond to any of my concerns. After six months of contacting JPMorgan Chase by phone, email, and written letters, they still did not provide me with an explanation as to how I violated section 10.3. As a result, they have no legal justification for placing my name on the MATCH List. As of the date of this complaint, JPMorgan Chase still refuses to respond to my inquiries. Their lack of ethics in handling this matter is just one of the many reasons they have established such a sordid reputation in the banking industry. Regarding XXXX XXXX, the only person who responded to my complaints was a representative of XXXX XXXX named as XXXX XXXX, a paralegal for XXXX XXXX. In a letter dated XX/XX/XXXX, XXXX XXXX stated XXXX XXXX had been alerted of a violation involving my merchant account. She reported that my merchant account had been used to process a single transaction in the amount of {$79.00} on a website other than my own. The transaction was dated XX/XX/XXXX and involved the sale of XXXX XXXX XXXX ( XXXX ) from the violating URL. This was a breach of the merchant agreement, resulting in JPMorgan Chase /XXXX XXXX terminating my merchant agreement on XX/XX/XXXX and adding me to the XXXX MATCH List. I responded to XXXX XXXX in a letter dated XX/XX/XXXX. I explained that my merchant account did not process any transactions in the amount of {$79.00} on XX/XX/XXXX. I further explained that I had never sold XXXX products. Furthermore, I am in no way associated with the violating URL. I followed up with another letter dated XX/XX/XXXX providing evidence to XXXX XXXX showing that my merchant account had not processed a transaction in the amount of {$79.00} on XX/XX/XXXX, as they were falsely claiming. In my response, I offered to provide a sworn affidavit stating that my merchant account was never used to process any transactions on the violating URL. Additionally, I requested that XXXX XXXX provide me with evidence to support their false claims that I had breached the merchant agreement. As of the date of this complaint, XXXX XXXX has refused to respond to my inquiries. Under section 10.3 of the merchant agreement JPMorgan Chase can terminate our agreement by giving me thirty ( 30 ) days prior notice. The agreement further states that JPMorgan Chase can terminate the agreement if I failed to comply with any terms, covenants, and conditions. As I stated above, I always complied with the terms, covenants, and conditions outlined in the agreement and for JPMorgan Chase to claim otherwise is simply false. The information I provided with my merchant application was 100 % true, complete, and accurate. JPMorgan Chase was fully aware of the types of merchandise I sold and had approved by website and inventory after the agreement was signed. All transactions were processed in accordance with the merchant agreement and were valid and legal transactions between myself and the respected cardholder. At no time was my merchant account used for anything other than what it was intended, as stated in our agreement. In regard to putting my name on MATCH List, JPMorgan Chase had no legal authority to do so. ( This would be the case, even if I had violated the agreement, which I didnt. ) In recent years, XXXX has set strict guidelines on how banks can add individuals to the MATCH List. Specifically, for a person to be put on the list, he or she must be found to be involved in : fraud, money laundering, bankruptcy, theft, identity theft, merchant collusion, illegal transactions, fraud conviction, etc. I have advised JPMorgan Chase and XXXX XXXX that none of these conditions apply to me and anyone who claims otherwise is trying to defame my reputation. JPMorgan Chase and its affiliate, XXXX XXXX behavior has been both unethical and discriminatory and is just one of the many reasons why they have an F- and D- rating respectively with the XXXX. It is also one of the reasons for their sordid reputation, as discussed online by tens of thousands of current and former customers. Additionally, this is one of the many reasons JPMorgan Chase been made to pay XXXX of dollars in fines and settlements for civil and criminal lawsuits, as well as been subjected to reprimands by Federal Bank Regulators, the US Federal Government, the US Department of Justice, various US Attorney Generals, and consumer watch groups, such as the Consumer Financial Protection Bureau. To settle this complaint, JPMorgan Chase can rightly remove my name from the XXXX MATCH List. Personally, I find it disgusting that a business located within the United States and governed by numerous state and federal laws can not only make false allegations against someone, like myself, but can also list them on the MATCH List. What makes it even more deplorable is the fact that neither XXXX XXXX nor JPMorgan Chase have any evidence that I did anything wrong. Due to being unlawfully added to the MATCH List by JPMorgan Chase, I have been blackballed and discriminated against within the financial community. No bank located in the United States will allow me to obtain a merchant account for a minimum of five years. As outlined in this complaint, I have spent the past six months desperately trying to communicate with XXXX XXXX and JPMorgan Chase in an effort to resolve this unjust and illegal ban. All of the information reported in this complaint against JPMorgan Chase is 100 % true, complete, and accurate. Furthermore, supporting evidence, including written communications between myself, XXXX XXXX, and JPMorgan Chase, is available. | ||||||
| 11/22/2019 | Yes |
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| To be clear, I am writing this complaint because Chase denied me the ability to properly dispute a charge on my credit card which is what they promised to me and all their customers who have a Chase Freedom Unlimited card. At some point in XX/XX/2019 I called Chase credit card services at XXXX which is the phone number on the back of my Chase Freedom Unlimited card. I reported to them that there is a charge by XXXX XXXX, a company that services the XXXX land area, for {$1700.00} charged to my account on XX/XX/19 that I would like to dispute. The Chase employee asked why I was disputing the charge. I answered explaining I had been charged for a 36 Passenger Limo Bus which was supposed to arrive on my XX/XX/19 wedding day. I explained on my wedding day XX/XX/XXXX XXXX XXXX arrived in a 22 Passenger Limo Bus which I was forced to use. I explained I would like to be reimbursed the difference in cost of the 36 passenger Limo Bus and the 22 Passenger Limo Bus. I was assured by the Chase employee that they have all the information they required to go forward with the dispute and they would submit my dispute. On XX/XX/19, I received a letter from Chase stating they found the charges to be valid and, to my surprise, the letter stated that the " Type of Dispute '' recorded by Chase was " Cancelled Service ( s ) '' ; Chase also included documentation submitted from XXXX XXXX employee XXXX XXXX who stated that they did provide services for a 36 Pax Limo Bus ( not true ) and XXXX provided photos from over the hood of the vehicle as well as photos of the locations we visited conveniently hiding the size of the bus ; Regardless, the final page of the XX/XX/XXXX letter from Chase allows two options : " I have reviewed the information and the charge ( s ) is valid. Please re-bill my account '' or " I want to continue my dispute ''. Of course, I wanted to continue the dispute and what was most important to me from then on was that Chase became aware of the mistake they had made and would then resubmit my dispute with the proper information and have XXXX XXXX provide a response to the proper information. I selected " I want to continue my dispute '' and I provided an explanation of the dispute as I had previously provided over the phone when I first reported the dispute as well as made them aware of the mistake that that the Chase employee had made. I signed and dated this document and on XX/XX/19 faxed it to Chase per their instructions to XXXX. I believe it was XX/XX/19 that Chase then reapplied the charge of {$1700.00} to my account. That day, I called the same number XXXX to ask about the dispute and was told that they had ruled in favor of XXXX XXXX. I explained then as I am now that I want XXXX XXXX to respond to the proper dispute information I had provided to Chase and that was obviously not recorded correctly. I was told I should contact the merchant directly again, give them time to respond, and then resubmit my dispute information via the Chase Secure Message feature on Chase.com. I did exactly that. An email was sent to XXXX XXXX with the dispute information and I asked to be reimbursed. XXXX XXXX did not respond. I obtained 2 separate quotes from XXXX XXXX for 9 hours of service of the 22 passenger Limousine bus so I can calculate the amount I should be reimbursed. [ [ Of note, on the morning of my wedding, I was told by the limousine driver that it was a 22 limousine bus ; I called XXXX XXXX immediately who said they knowingly sent the wrong size bus because the size of my bridal party was 22 ; I explained to the XXXX XXXX employee that I had paid for a 36 passenger bus, that this would create problems, and asked that they drive over the proper size bus ; They explained they could not because all their 36 passenger Limo buses were booked for that day ( even though I had booked about a half a year prior ) ; I was told a " ticket '' would be made to reimburse me. In the days that followed I received a receipt by email from XXXX XXXX for {$1700.00} and never received a call or email regarding reimbursement ] ]. On XX/XX/19, I resubmitted the information as instructed by Chase via the secure message feature on Chase.com - I attached my email I had sent to XXXX XXXX with my reimbursement demand, the receipt that XXXX XXXX had sent me, and two documents with quotes I had received from XXXX XXXX for the 22 passenger limo bus service. Today, XX/XX/19, I called Chase at the same number I had used previously to ask for an update on the dispute. I was told that they issued a letter today XX/XX/19 stating they did not find the information I provided to be enough to overturn the dispute. I explained again that I was seeking to resubmit my dispute ( to start at step 1 ) with the correct information and to have the merchant respond ( in writing for me to have as a record ) to the correct dispute information and that Chase had denied me that opportunity when they recorded the incorrect dispute information and would not correct their mistake ( despite being given by me all the opportunity to do so ) by submitting the correct dispute information to the merchant. The same Chase employee added that my re submission request was denied because the documents provided were the same ones provided previously. I asked who had said that? I did not receive a response. I explained that Chase is clearly lying to me because it would have been impossible to resubmit the same documents due to the fact that the documents I submitted most recently came into existence after the date of my original dispute submission. I was then transferred to a supervisor named XXXX XXXX at their XXXX XXXX location. The information I provided to XXXX is as I have stated here above. She stated I can not dispute services that I had recieved. I explained I was charged for a 36 passenger bus and received services for a 22 passenger bus I have yet to be charged for. I could not have " received services '' services of the 36 passenger limo bus because I have never been inside or in the presence of a 36 passenger limo bus. The charge on my card is for a 36 passenger limo bus. I asked XXXX what Chase 's overall policy with credit card disputes is in regard to how they value the " facts '' provide by the merchant as opposed to the " facts '' provided by the Chase credit card customer to which she did not respond. It would appear from my experience that Chase sees the information provided by the merchant as " more true '' than the information provided by the Chase credit card customer ; THE MOST IMPORTANT CONSEQUENCE OF THIS is not only have I been denied the opportunity to dispute a charge, but by " validating '' the merchants information which they based off of incorrect information recorded by a Chase employee, they also validate the credibility of the merchant in the event that I file suit against the merchant for a breach of contract or any relevant law suit - The judge in such a case would certainly be swayed by the fact that such a large and well known financial institution such as Chase, which otherwise behaves justly in the eyes of the general public, had ruled in favor of the merchant. This would certainly create an obstacle for myself in convincing the judge of the facts in this matter and how I had actually behaved in a true, timely, and just manner and how the merchant had not. Furthermore, I explained to XXXX that there would have been ways to avoid this from occurring in the first place such as having their employees that record the disputes be employees who have English as their first/primary language - perhaps the Chase employee had become confused because of this and recorded the dispute incorrectly ; I also explained to XXXX that such a large financial institution could certainly afford to add a text box to their dispute template that their employees use that allows those employees to record the details involved in their customers disputes instead of categorizing disputes into broad categories like " cancelled service ( s ) '' - XXXX would not confirm whether they do or don't have this ability. I would add that, if phone reported disputes at Chase have known accuracy issues, such a large financial institution can certainly implement a policy of confirming dispute information with the Chase credit card customer in writing via email or chase.com or mail or fax and that they will not submit the dispute information until the customer has confirmed that their dispute was recorded correctly after viewing it in writing - had this been done I would not be writing this long complaint and I would have corrected the the incorrectly recorded dispute information before it was sent by Chase to the merchant. Finally, I don't expect a merchant who showed such lack of morality on the day of my wedding to admit to their wrong doing now - I expect I will have to file suit against them but I need a proper credit card dispute process to start and finish before I can do that. I hope you can do what I am asking without creating an even bigger mess for me. This is not enjoyable. | ||||||
| 04/21/2021 | Yes |
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| XX/XX/2020 People who scammed me Telephone # with Name 1. XXXX XXXX Tel # XXXX 2. XXXX XXXX - Tel # XXXX 3. XXXX XXXX - Tel # XXXX 4. XXXX XXXX Tel # XXXX Company Name ; XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX from XXXX XXXX called me on XX/XX/XXXX with her tel # XXXX To give me an utilities payment discount payment option where she told me that XXXX XXXX will pay all my utilities bills in return I need to deposit 50 % in cash with XXXX XXXX XXXX account provided by her. I did ask her why are you giving me 50 % discount and she said that XXXX XXXX partner with many companies so companies offered XXXX XXXX gift cards which expired in one week so they are trying to utilities those gift card to the customer. I never heard such think in my life neither I thought it was scammed or fraud. I sent XXXX various of my utilities billes through XXXX. She paid each of my utilities bills with confirmation no than I went to the XXXX XXXX XXXX and deposited 50 % of total utilities bills she paid and what I deposited 1st time was around {$250.00}. She called me again XX/XX/XXXX asking me if I have any credit cards If I would like to pay and she will give me 55 % discount. I trusted her and provided her my two credit cards which she paid same day and sent me a confirmation number. I also checked myself in my on line account that those credit cards were paid in full. Next day I went to Chase business account provided to me by XXXX and deposited 45 % of cash of total credit cards she paid to my credit cards. Again, she called me on XX/XX/XXXX asking me if I have any other credit card or any type of loan. I have one Personnel XXXX XXXX loan around {$180000.00} which she tried to pay off loan but could not do it due to XXXX XXXX has more security to pay outside bank account. She tried to manage to make my payment but never went through. XXXX XXXX when I learned that all of my credit cards including XXXX personnel loan XXXX tried to pay off got rejected. I called her and she told me that all issue has been relates to XXXX peronnel loan which was completely lied to me. Later she provided me with some gift cards and bank account and asked me to pay my self. I tried to pay all my credit cards again with those gift cards and bank account got rejected again with email from credit card company either bank account was wrong or did not have sufficient balance. Than she called me and told me for the deal which ruin my life made me bankrupt. She told me that she is able to give me a bank account access for XXXX account for {$200000.00} and than I can directly go to that account and pay all my payments my self. But asked me to deposit {$10000.00} again she already took my {$35000.00} at that time. In order for me to pay my credit cards and get my money back I did deposited {$10000.00} in return I asked her to send me a voice mail that she is going to give me access of XXXX account worth {$200000.00}. One week passed by she was not able to manage to give me a access. I kept calling her tel # she neither answered my phone nor my text message. Than she called me and told me that I need to give her {$4000.00} for XXXX XXXX account access and {$3000.00} for tax because she is going to give me access of {$200000.00}. Next day I went to chase bank account provided by her and deposited {$7000.00}. Than she was able to give me access of XXXX XXXX account and I had the access with negative balance. When I told her she was not happy she said how is it possible. She immediately contract XXXX XXXX who works in your finance and who left your company with all money including my {$100000.00}. XXXX XXXX talked to me and he said how come XXXX gave you promise for {$200000.00} while I am showing you only paid around {$55000.00} and I told him that I do agree with you but you need to ask XXXX about that XXXX XXXX told me that he can only wire transfer {$100000.00} to my personnel and business account not {$200000.00} which XXXX promised me and I immediately agreed with XXXX XXXX about {$10000.00} as I never wanted {$200000.00}. XXXX tried to wire transfer to my bank account only if I give him {$6000.00} which I did deposited to change bank provided by him. He told me next day that my wire transfer is In process and I will get see money in my bank. I never received money so I called him and he said that he will try again. He told me that he is going to tranfer again and I will get my money in 24 hours never happened again. Than when I called him 50 time he never retuned my phone nor replied back to my text message. Than I tried to reach out to XXXX and she went to his office for inquiry about my momey so than he call me. He told me that he is ready to send me a cashier check and I wlll get it in 2 days but in order to send me a cashier check I need to deposit {$600.00} to one of the chase bank because he told me that one of the employee from your company will bring check at my house so I need to pay {$600.00} for that reason. I waitned one week never receive check. Than I called him and he told me that I will get my check on Monday which I talked to him Wednesday prior to that Monday. He also told me that he is expecting 15 customer cashier checks and one of is mine. He also told me that if he does not send me cashier check on Monday than I can take legal action him. Neither he called me on Monday nor answered my 100 phone calls nor replied back to my text message. I reached out to XXXX she also never responed my phone or replied back to my message. I was managed to connect with XXXX who initially called me 1st time prior to be contracted with XXXX. I told him everything happened with him and asked him if he can give me any manager contract information so I can try to get my money because I had no hope to get my money through XXXX or XXXX. I believe that it was Tuesday he did connect with XXXX XXXX who told me that he is manager I told everything to XXXX XXXX and requested if he can help. He was shocked to heard what happened to me and promised me to help but he needed some time. Wedesday he called me and told me that he is going to talk to XXXX and other team than get back to you. He also asked me if I can provide him al my credit cards and he is going to pay in my behalf and he will also try to get me {$200000.00}. Well, next day he changed everything. He told me that he needs to be transferred my file to his name than he can help but for him to transfer my file he needs to be collected {$12000.00} from me. I immediately deposited {$12000.00} to chase bank account provided by him and also told him that I do not have any extra money to give so you need to make sure that you have to give me cashier check for {$200000.00}. He said 100 % so I went to bank and deposited {$12000.00}. Next day he asked me {$18000.00} additional money where I got upset and called him immediately telling him that I will not five you penny as you only requested {$12000.00} which I did now give me a cashier check for {$200000.00}. He told me over the phone that if I deposited {$18000.00} he has already cashier check ready on my name and as soon as I deposited {$18000.00} he will send my cashier check for {$200000.00}. I told him that I can only give you {$8000.00} thats it. He agreed but I asked him please send me a copy of cashier check But he forgot that he was going to send copy of cashier check to someone who is working as senior financial analyst job which is me and paying many payments through cashier check to customer. Well he sent me copy of Fake cashier check where on the right hand corner it states check is valid for {$600.00} he probably forgot when he was doing fake check. I could have called police immediately with this illegle fake check but I wanted my money back any how. So, I did deposied {$8000.00} again he promised me to give me a cashier check but he failed. He lied after lied. He was lastly manage to get additional {$5000.00} which I deposited last FRiday and he promised me 100 % that he will get me a cashier check for {$200000.00}. He failed to do so. I did threat him on Monday that enough is enough. If, I do not get my money by Tuesday which was supposed to be Yesterday I will go to police station on Wednesday and report complain again him, XXXX and company with Scammed provided me fake bank account and cheating. Recently XXXX XXXX upper level finance manager call me. His name is XXXX XXXX. He asked me what happened with me with their employee. He asked me how much money I gave to this company. He promised me that he will wire transfer all money I lost. Later asked me that I have to pay {$8000.00} for them to do wire transfer. I did pay it which is just last week. They did not transfer any money instead asking me {$6000.00} to put in XXXX account and they will refund all my money. I said forget it I will not give you single penny I told him if you work for XXXX XXXX at higher leverl finance person why do you need money from me. Again he is fruid and scammed person who works with them as wel.. | ||||||
| 06/23/2018 | Yes |
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| On XX/XX/XXXX, I was approved for a merchant account with XXXX XXXXXXXX ( Merchant ID Number : XXXX ) after filing an application ( Application ID Number XXXX ) and speaking with XXXX XXXX, EVP Head of Sales of XXXX XXXXXXXX. XXXX XXXX, Phone number is : XXXX. Email : XXXX. My reason for obtaining a merchant account was to start an online business and operate it as a sole proprietorship. Despite purchasing a website domain, I was never able to fully fulfill my goal due to the unethical and fraudulent business practices of XXXX XXXXXXXX. As of the date of this complaint I do not own and or operate any sole proprietorship. From XX/XX/XXXX until XX/XX/XXXX, I was a customer of XXXX XXXXXXXX. During that time, I fully complied with all terms, covenants, and conditions as outlined in the agreement. On XX/XX/XXXX, I received an email from XXXX XXXXXXXX Risk Department informing me that my merchant account had been terminated due to a violation of section 10.3 of the merchant agreement. After spending the next week making repeated phone calls and sending emails to XXXX XXXXXXXX customer service department, I still had no explanation as to exactly why my account had been terminated. At this point, I decided to apply with several other banks for a new merchant account. Each time, I was denied credit and was told that my name, address, birthday, social security number, and other personal information had been placed on MasterCards MATCH List, also known as the Terminated Merchant File ( TMF ). Through these credit denials, I learned that XXXX XXXXXXXX had placed me on the MATCH List. As of the date of this complaint, no bank has approved me for a merchant account. Since XX/XX/XXXX, I have contacted dozens of nameless customer service representatives from XXXX XXXX and JPMorgan Chase, which owns XXXX XXXXXXXX. No one could give me a reason why my account was terminated, nor were they able to confirm that XXXX XXXXXXXX had placed me on the MATCH List. On XX/XX/XXXX, I filed a complaint against XXXX XXXXXXXX with the XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, the complaint was closed because XXXX XXXXXXXX never had the courtesy to respond to my complaint. During this time, I sent certified letters through the USPS to multiple XXXX XXXXXXXX employees, specifically XXXX XXXX, President, XXXX XXXX, EVP of Sales, XXXX XXXX, Director, and XXXX XXXX, Director of Client Relations. In addition, I sent certified letters to XXXX XXXX, President of JPMorgan Chase Merchant Services and XXXX XXXX, CEO of XXXX XXXXXXXX XXXX. As of the date of this letter, none of these individuals, with the exception of a representative for XXXX XXXX, have had the courtesy to respond to this vital matter. On XX/XX/XXXX, I filed a complaint with the XXXX against JPMorgan Chase. I received a letter dated XX/XX/XXXX from Chases Executive Office in response to my complaint. The letter included the terms of section 10.3, as cut and paste from the merchant agreement, along with a short statement that the reporting was accurate, and they were unable to remove me from the MATCH List. In response, I sent a letter demanding that they provide me with evidence that I had violated the terms, covenants, and conditions stated in section 10.3 of the merchant agreement. I received a response from JPMorgan Chase, dated XX/XX/XXXX, stating they were sorry I was dissatisfied with how they had researched my concerns, but that their decision was final. Furthermore, they would no longer be able to respond to any of my concerns. After six months of contacting JPMorgan Chase by phone, email, and written letters, they still did not provide me with an explanation as to how I violated section 10.3. As a result, they have no legal justification for placing my name on the MATCH List. As of the date of this complaint, JPMorgan Chase still refuses to respond to my inquiries. Their lack of ethics in handling this matter is just one of the many reasons they have established such a sordid reputation in the banking industry. In regard to XXXX XXXXXXXX, the only person who responded to my complaints was a representative of XXXX XXXX named as XXXX XXXX, a paralegal for XXXX XXXXXXXX. In a letter dated XX/XX/XXXX, XXXX XXXX stated XXXX XXXXXXXX had been alerted of a violation involving my merchant account. She reported that my merchant account had been used to process a single transaction in the amount of {$79.00} on a website other than my own. The transaction was dated XX/XX/XXXX and involved the sale of XXXX XXXX XXXX ( XXXX ) from the violating URL. This was a breach of the merchant agreement, resulting in XXXX XXXXXXXX terminating my merchant agreement on XX/XX/XXXX and adding me to the MasterCard MATCH List. I responded to XXXX XXXX in a letter dated XX/XX/XXXX. I explained that my merchant account did not process any transactions in the amount of {$79.00} on XX/XX/XXXX. I further explained that I had never sold XXXX products. Furthermore, I am in no way associated with the violating URL. I followed up with another letter dated XX/XX/XXXX providing evidence to XXXX XXXXXXXX showing that my merchant account had not processed a transaction in the amount of {$79.00} on XX/XX/XXXX, as they were falsely claiming. In my response, I offered to provide a sworn affidavit stating that my merchant account was never used to process any transactions on the violating URL. Additionally, I requested that XXXX XXXXXXXX provide me with evidence to support their false claims that I had breached the merchant agreement. As of the date of this complaint, XXXX XXXXXXXX has refused to respond to my inquiries. Under section 10.3 of the merchant agreement XXXX XXXX can terminate our agreement by giving me thirty ( 30 ) days prior notice. The agreement further states that XXXX XXXXXXXX can terminate the agreement if I failed to comply with any terms, covenants, and conditions. As I stated above, I always complied with the terms, covenants, and conditions outlined in the agreement and for XXXX XXXXXXXX to claim otherwise is simply false. The information I provided with my merchant application was 100 % true, complete, and accurate. XXXX XXXXXXXX was fully aware of the types of merchandise I sold and had approved by website and inventory after the agreement was signed. All transactions were processed in accordance with the merchant agreement and were valid and legal transactions between myself and the respected cardholder. At no time was my merchant account used for anything other than what it was intended, as stated in our agreement. In regards to putting my name on MATCH List, XXXX XXXXXXXX had no legal authority to do so. ( This would be the case, even if I had violated the agreement, which I didnt. ) In recent years, MasterCard has set strict guidelines on how banks can add individuals to the MATCH List. Specifically, for a person to be put on the list, he or she must be found to be involved in : fraud, money laundering, bankruptcy, theft, identity theft, merchant collusion, illegal transactions, fraud conviction, etc. I have advised XXXX XXXXXXXX that none of these conditions apply to me and anyone who claims otherwise is trying to defame my reputation. JPMorgan Chase and its affiliate, XXXX XXXXXXXX behavior has been both unethical and discriminatory and is just one of the many reasons why they have an F- and D- rating respectively with the XXXX. It is also one of the reasons for their sordid reputation, as discussed online by tens of thousands of current and former customers. Additionally, this is one of the many reasons JPMorgan Chase been made to pay billions of dollars in fines and settlements for civil and criminal lawsuits, as well as been subjected to reprimands by Federal Bank Regulators, the US Federal Government, the US Department of Justice, various US Attorney Generals, and consumer watch groups, such as the Consumer Financial Protection Bureau. To settle this complaint, XXXX XXXXXXXX can rightly remove my name from the MasterCard MATCH List. Personally, I find it disgusting that a business located within the United States and governed by numerous state and federal laws can not only make false allegations against someone, like myself, but can also list them on the MATCH List. What makes it even more deplorable is the fact that neither XXXX XXXXXXXX nor JPMorgan Chase have any evidence that I did anything wrong. Due to being unlawfully added to the MATCH List by XXXX XXXXXXXX, I have been blackballed and discriminated against within the financial community. No bank located in the United States will allow me to obtain a merchant account for a minimum of five years. As outlined in this complaint, I have spent the past six months desperately trying to communicate with XXXX XXXXXXXX and JP Morgan in an effort to resolve this unjust and illegal ban. All of the information reported in this complaint against XXXX XXXXXXXX is 100 % true, complete, and accurate. Furthermore, supporting evidence, including written communications between myself, XXXX XXXXXXXX, and JPMorgan Chase, is available. | ||||||
| 01/11/2018 | Yes |
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Web | Servicemember |
| XX/XX/XXXX Page 1 of 2 Chase Customer request for CFPB to ( investigate ) Chase Customer ( request for Chase to Cease / Desist transfers to Subprime Servicer ( s ), of customer HARP loans ( whose families REFUSE Chase 's request to reamortize their Loans ) ( ** NOTE - ( Since Chase transfer notice of XX/XX/XXXX, was received by mail XX/XX/XXXX ), ( Please excuse our Mistakes in ( typing errors / grammar / legal phrases etc ), due to insufficient time for our family to ( respond / secure appropriate ( financial / legal advice ) Memo From : XXXX XXXX XXXX, ( Chase Customer 1st HARP mortgage XXXX ), XXXX, XXXX XXXX XXXX Pt XXXX XXXX, Ga XXXX Memo To : XXXX XXXX, Chase Managing Director, XXXX cc : Consumer Financial Protection Bureau ( CFPB ) CC : JP MORGAN CHASE, ATTN XXXX XXXX XXXX, OFFICE OF SECRETARY, XXXX, FAX XXXX CC : XXXX XXXX, Chase Resolution ( Mgr of XXXX XXXX ), XXXX XXXX XXXX , XXXX, Ohio XXXX, XXXX, XXXX XXXX CC : XXXX XXXX, Chase Resolution rep, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX EX XXXX, F XXXX Subject : Complaint : Requesting CFPB to investigate ( Customer request for Chase to ( Cease / Desist strategically targeted vindictive retaliatory transfers ) of ( XXXX plus Credit Score loan XXXX ) to ( historically predatory Sub-Prime Servicer, ), where Chase failed to comply with 15 day legal notice requirement ), seeks to punish customer ( who reported Chase to CFPB IN XX/XX/XXXX for Pre-Loan Dispersment HELOC Interest Charges ) and whose REFUSAL to accept ( Chase 's request to re-amortize Customer 's HARP {$5000.00} principal incentive benefit ), a decision which, ( benefits Customer 's family with {$5000.00} principle reduction ), but results in ( {$5000.00} loss profits for Chase ). Chase is systematically ( targeting / punishing Harp Loan customer 's ) who REFUSE ( loan re-amortization of their HARP incentive principal payout ), with transfer to one of nation 's Largest ( historically PREDATORY Subprime Lender 's, ( without actual 15 day legal notification to minimize customer attrition profit losses ). Chase customer ( XXXX ), ( ( with XXXX plus CREDIT SCORE ) ( who in XX/XX/XXXX reported to CFPB, Chase Predatory / unlawful HELOC Pre-Dispersement Interest Charging Practices, costing consumers millions, where afterwards, Chase changed all HELOC account numbers to blur discovery XXXX XXXX ), requests that CFPB ( investigate / support ), Customer 's request for ( Chase to CEASE / DESIST targeted transfers of HARP LOAN ( customers who refuse Chase loan reamorization ) to to Subprime servicers ), Chase 's behavior suggests a ( mindset of ( malicious / vindictive / revenge motivated actions ) of involved Chase employees ), who have self documented, their strategic use of ( Predatory Consumer Timed Response Limitation Tactics ), by strategically ( timing / dating / mail-out of Transfer notifications ) utilizing Delay Response Tactic ), to occur during ( Peak holiday mail season ), when Consumer-Families are most ( Vulnerable being preoccupied with holiday / family season ) to facilitate ( maximum Mail Time Delays ) to ( minimize potential customer attrition rate ) and ( delay ability of Consumer-Families to respond proactively prior to transfer ) of their loans, after LATE receipt of Chase 's ( Notification of Sale / Service / Transfer to one of nation 's largest SUBPRIME SERVICER ). This Chase behavior appears to suggest a ( malicious Consumer- family insensitive mindset ), that would resort to utilizing ( during peak holiday mail / celebration season ) when families are most vulnerable ), to introduce a ( Predatory timed mail-out of notice ) which was intentionally planned to ( Create FALSE appearance of 15 day legal compliance ), while actually ( providing consumers FAMILIES with less than 12 days to respond to actual mail notice ), of intent to transfer ( customer 's 1st mortgage # XXXX ) to historically predatory Subprime Loan Service provider ( XXXX XXXX XXXX formally XXXX XXXX ). Chase customer ( 1st mortgage loan XXXX ), who in ( XX/XX/XXXX accurately reported to CFPD that ( Chase 's unlawful practice of ( charging its ( HELOC customer base, millions of dollars in pre-disbursement HELOC loan interest overtime ), and maintains that ( Chase 's actions constitute a discriminatory vindictive response ), meant to inflict ( financial discomfort / inconvenience and emotional distress ) upon them. Customer requests that Chase ( CEASE / DESIST ) it 's vindictive targeted transfers / any further adverse actions against HARP related financial instruments ), and provide to give HARP ( Customer / family members ) sufficient ( full 15 working days ) notice and / or formal statement of Chase policy transfer policies with adaquate disclosure to governing financial institutions. without future FEAR of further vindictive financially adverse Chase employee actions ), upon their Chase financial instruments / assets ) to ( other Financial Institutions ), specifically Customer 's Chase ( 1st Mortgage loan ending XXXX / 2nd Mortgage ending XXXX / Checking Account / Savings Account / 3 Credit Card Accounts ). Chase 's behavior suggests ( a mindset of malicious retaliation ), in the form of initiating transfer of ( 1st mortgage XXXX ), ( during busiest holiday mail season to minimize Chase customer 's family ( ability to respond ( less than 13 days ), to transfer of servicing notification of servicing of ( Chase customer XXXX mortgage ) to XXXX of nation 's Largest historically Predatory Subprime Services, ( XXXX XXXX XXXX , XXXX ( formally XXXX XXXX ). Given our XXXX plus CREDIT SCORE, we request that Chase CEASE / DESIST its ( vindictive / financially malicious retaliatory ACT ) of transferring our mortgage loan, to ( one of nations largest historically Predatory Subprime Loan Servicers ) subprime Lender as an vindictive act of retaliation, because in XXXX, we reported to CFPD Chase 's charging of interest prior to disbursement phase on our HELOC loan, and unfair treatment of paperwork associated with our XXXX income. 1. Chase 's meticulously self documenting intention to ( Time the mail-out of its intent to Transfer notices ( during the peak holiday mail season ), to : ( a ) Maximize delay of receipt by its affected customers, in order to : ( b ) ( Minimize potential Chase customer attrition during / prior to transfers ), ( c : ) Hinder Customer-families to make alternative non-Chase choices for their affected ( loans / associated XXXX insurance ), while creating ( on paper the appearance of compliance to 15 day legal requirement, undermining customer 's abilities to plan for changes / and or begin organized process of seeking more suitable alternative lenders / servicers. 2. Chase created appearance of 15 day notice legal compliance as follows : ( 1 ) Dated Transfer notice letter for XX/XX/XXXX, with transfer to occur after XX/XX/XXXX ( 2 ) Timing the actual mail-out of transfer notices, so that notices would be received by affected Customers after XX/XX/XXXX ( Actually providing less than 15 days notice, while creating the appearance of legal 15 day compliance ) by mail-out of transfer notices ( during year end peak holiday mail cycle ), causing most notices to be received by customers after XX/XX/XXXX, to ( maximum transient mailing delays to consumer ), while ( minimizing number of days available for consumers ) to seek alternative Lender / Servicer ( s ). ( 3 ) Research confirms that for affected Chase customer in progress ( loan modification / Annual loan escrow adjustments ), that there are limited automated stream lined process ) between Chase and XXXX software systems to facilitate ( accurate / minimum error Transfers ), subjecting affected customers to ( degradation of customer service / unnecessary delays / Pain & suffering ( XXXX XXXX / XXXX / humiliation / XXXX etc ). ( 4 ) Chase is Eliminating the One ( 1 % ) percent Mortgage Chase Back Incentive, which motivated many consumers to select / prefer Chase as lender is being strategically eliminated by Chase at a loss to consumers. ( 5 ) Affected customers will unnecessarily lose loan associated financial products ( XXXX insurance etc ). ( 6 ) Predatory history of ( XXXX XXXX XXXX / formerly XXXX XXXX ) reflected by obvious n ( XXXX hits on XXXX XXXX lawsuit / 350,000 plus hits on XXXX XXXX XXXX - lawsuits associated with Predatory ( lending / servicing practices. ) There are NO positive benefits for Chase HARP Customers loans affected by this and future transfers, ( Only Negatives ( degradation of service / degradation of Credit worthiness Image / addition of Sub-prime Servicer name on Credit Report / Loss of Chase Back incentives / Loss of loan XXXX Insurance etc ). It appears that Chase has targeted other HARP loan customers, who after reaching their 5yr anniversary, chose NOT to reamoritize their Chase loans utilizing HARP incentives, which Chase ( solicits and hopes to reap additional profits ), from each qualifying families ( {$5000.00} HARP principal incentive ), to the ( financial determent of most of these families ). | ||||||
| 10/14/2022 | Yes |
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| My previous complaint was closed yet I did not receive sufficient information. The details of my complaint were ignored and not addressed. Every time I have contacted Chase the specifics of the case have been ignored and Chase did not make an attempt to address them. I would like my complaint to be thoroughly read and responded to. I have quoted and clarified what I would like addressed. The purchase that would have taken me well over the requirements of the bonus as outlined in the offer details provided by Chase, was made on XX/XX/2021, XXXX XXXX from the XXXX XXXX. That is the exact day that the credit was used to make the purchase. At the time that the purchase was made the credit, in the amount of the purchase, was no longer available to me to spend and the date of the purchase on the receipt states XX/XX/2021. To me, that means that the purchase was made. If I can not spend that money and it was given to the XXXX XXXX in exchange for a good then a purchase was clearly made. How is it that my credit can be used, as in, unavailable due to the purchase made. But this purchase does not count until it is posted? There was no mention of this being a stipulation in the offer details. How is it that I may have a receipt of a purchase with the date " XX/XX/2021 '' a purchase in the amount that takes me over the {$7500.00}. For which the credit was made unavailable at that exact moment of the purchase on my end. How is it that this purchase does not count because of a post date that has nothing to do with when I made the purchase on my end? The offer details make no mention of the posted date of the transaction. They make no specifications about when the merchant decided to post the purchase, only that the purchase was made. Direct quote from the offer details : To qualify and receive your bonus, you must make Purchases totaling {$7500.00} or more during the first 3 months from account opening. It was difficult for me to make these purchases on time for the goal for the following reason : ( I thought this was irrelevant to the case initially, but perhaps it may help to clarify the credit issue I keep trying to get addressed ) First, waited for specific tech to come out. Second, I would make a large purchase online for an item that I would pick up in store. Only to find that the stores stock was not properly updated online ( busy, near the holiday season during tech sales ). The store was out of stock on the item I bought. A purchase totaling over {$1700.00}. This happened AGAIN with another high priced purchase at a DIFFERENT online store! What are the odds. My credit limit was {$5000.00}. The purchases needed to be returned to the credit card, this took days. With such a low credit limit I was forced to wait before I could make a different purchase for a similar item that WAS in stock. Therein lies the problem. You see, even if I do not have the item, the seller still has a hold on my credit. This is not something that can be planned for on my end and has nothing to do with when I made the purchases on my end. Nonetheless, I was able to make the large purchase that took me well over the {$7500.00} on XX/XX/2021. XX/XX/2021 was the day that the credit was used and made unavailable to me. Please explain this to me in detail. I have a receipt that the purchase was made XX/XX/2021. At this same time the credit in the amount of the purchase, was unavailable for me to use. This is the definition of a credit card purchase. What does the merchant post date have to do with anything? Below is a copy of what I sent and their response : I signed up for a Chase Business account and credit card. There was a bonus of {$750.00} if {$7500.00} was spent on the credit card within the first XXXX months of opening the account. Chase bank was gracious enough to extend my time frame to XX/XX/2021. Which I was very grateful for and made all of the purchases I needed to make fulfilling the requirements of spending {$7500.00} in order to get a {$750.00} bonus before XX/XX/2021. However I was denied the bonus. I contested the denial of my earned bonus and denied again. The investigation letter states that the purchases were not made in time to qualify for the bonus ( XX/XX/XXXX ). However, as I outlined above, that is not the case. The purchase that would have taken me well over the requirements of the bonus as outlined in the offer details provided by Chase, was made on XX/XX/2021, XXXX XXXX from the XXXX XXXX. That is the exact day that the credit was used to make the purchase. At the time that the purchase was made the credit, in the amount of the purchase, was no longer available to me to spend and the date of the purchase on the receipt states XX/XX/2021. To me, that means that the purchase was made. If I can not spend that money and it was given to the XXXX XXXX in exchange for a good then a purchase was clearly made. The offer details make no mention of the posted date of the transaction. They make no specifications about when the merchant decided to post the purchase, only that the purchase was made. Direct quote from the offer details : To qualify and receive your bonus, you must make Purchases totaling {$7500.00} or more during the first 3 months from account opening. Chase card services response : In reviewing your transactions that posted by XX/XX/2021 the spend of {$7500.00} was not met. The transaction for XXXX was authorized on your account on XX/XX/2021 at XXXX XXXX XXXX and posted to your account on XX/XX/2021. This transaction can not be used towards the spend. Therefore we are unable to award the New Account Bonus Offer. Internal FR I have absolutely no control over when the merchant decides to post the purchase. I only have control over when I make the purchase. Some purchases can take a few weeks to post, even if I already have to item purchased, the credit was used and I already paid the credit card bill early. It seems to me that Chase bank is benefitting, unfairly from a loophole they imagined. I reiterate, the offer details make no mention of posted date. The many secure message exchanges clearly display how chase card services ignored my questions and inquires about this decision and responded with generic responses designed to stonewall me on the matter.I have receipts and documentation to support all of these claims and records of secure message exchanges with Chase card services. Thank you for your time and consideration Best Regards, XXXX XXXX Their Response : The spending goal was not met in the required time frame Reference Number : XXXX Dear XXXX XXXX : We are responding to your inquiry about the new account bonus offer for your credit card account ending in XXXX. We appreciate the opportunity to assist you. The enrollment offer for your account was earn to XXXX bonus points after you spend {$7500.00} on purchases in the first XXXX months from the account opening. We apologize for the inconvenience, but we can not add XXXX points to your account because you did not meet the spending goal in the required time frame. The account was opened on XX/XX/2021. You had until XX/XX/2021, ( 115 days ) to meet the spending requirement. We have enclosed copies of the statements from XX/XX/2021 to XX/XX/2021 for your reference. On your account statements under Account Summary, it shows total purchases from : XX/XX/2021, to XX/XX/2021 : {$2000.00} XX/XX/2021, to XX/XX/2021 : {$510.00} XX/XX/2021, to XX/XX/2021 : {$130.00} XX/XX/2021, to XX/XX/2021 : {$3900.00} Regrettably, you did not meet the spending requirement as your total purchases were {$6600.00}. We respectfully decline your allegation that we are benefitting from a loophole. We go by the transaction date, which is when the merchant requests authorization of the funds. We show the XXXX transaction for {$1100.00} took place on XX/XX/2021, and posted on XX/XX/2021. Unfortunately, this transaction took place after the deadline of XX/XX/2021. We realize this may not be the outcome you wanted, but we reviewed your concerns carefully and look forward to continuing our relationship with you. If you have questions about this issue, please call XXXX at XXXX, extension XXXX. We accept operator relay calls. If you have questions about other issues, please call us at the number below. Our office is available Monday through Friday from XXXX XXXX. to XXXX XXXX and Saturday from XXXX XXXX. to XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX Fax ; it is free from any Chase branch XXXX chase.com cc : Consumer Financial Protection Bureau, Complaint ID XXXX Enclosures : XXXX, XXXX, XXXX and XX/XX/2021 Statements XXXX XXXX XXXX XXXX XXXX XXXX de la XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, comunquese con nosotros llamando al XXXX, de lunes a viernes de XXXX XXXX. a XXXX XXXX. XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. . ID XXXX XXXX I look forward to continuing my relationship with Chase Bank, however I do expect my concerns to be addressed and my questions to be answered going forward. Sincerely, XXXX XXXX | ||||||
| 06/29/2021 | Yes |
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| I submitted a similar complaint to the CFPB on XX/XX/XXXX and received a reply stating it was a duplicate complaint I had already submitted against Chase. My original complaint was submitted solely because Chase refused to remove me from their blacklist after the state of Michigans Department of Licensing and Regulatory Affairs ( LARA ) determined there were no errors in my appraisal ( concerning a complaint Chase filed against me ). However, this complaint identifies additional illegal and unethical violations not present in my original complaint. This complaint is being submitted based on direction from XXXX XXXX at Michigans Department of Insurance and Financial Services, for numerous illegal and unethical violations of USPAP, the Truth In Lending Act, FIRREA, Michigans Occupational Code and U.S. Code 1639 committed by Chase and their appraiser. My reporting of this appraisal misconduct is a mandatory rule of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The subject property is located at XXXX XXXX, XXXX, MI XXXX. Chase filed a complaint against me with LARA in XXXX, and after their investigation, LARA cleared me of any wrongdoing in XXXX. Chases complaint consisted of five frivolous violations they claimed were present in my report, all of which were dismissed by LARA when they closed the complaint. In order to generate the complaint against me, Chase and their appraiser violated state and federal laws and mandatory industry guidelines, including multiple requirements of USPAP, the Truth In Lending Act, FIRREA, Michigans Occupational Code and U.S. Code 1639. USPAP violations committed by their appraiser include : Conduct Section of the Ethics Rule, which requires appraisers to perform with impartiality, objectivity and independence, and to avoid any action that results in communicating assignments in a misleading or fraudulent manner. Competency Rule ( parts 1, 2 and 3 ), which requires appraisers to have the knowledge and experience to complete the assignment competently, and to disclose any lack of knowledge and/or experience before they accepted the assignment. I suspect they also did not take all the steps necessary or appropriate to complete the assignment competently, or describe that lack of knowledge and/or experience in the report. Standard 1 ( including Rule 1-1 a, b and c ), which requires appraisers to correctly complete research and analysis to produce a credible appraisal. Standard 2, which requires states that an appraiser must communicate each analysis, opinion, and conclusion in a manner that is not misleading. Standards Rules 2-1 and 2-3, which state that the appraisal report must clearly and accurately set forth the appraisal in a manner that will not be misleading, that the appraiser is impartial and unbiased, have no personal interest with respect to the parties involved, have no bias with respect to the property, that their engagement and compensation for the assignment were not contingent upon the developing or reporting of a predetermined value or direction in value that favors the cause of the client, and that their analysis, opinions and conclusions were developed in conformity with USPAP. Management Section of the Ethics Rule, which states that it is unethical for an appraiser to accept compensation when results are contingent upon development or reporting a predetermined value or direction in value that favors the cause of the client. The Truth In Lending Act prohibits coercion, bribery and other similar actions designed to cause an appraiser to base the appraised value of the property on factors other than the appraisers independent judgment. When I received the appraisal order for the subject property, I was provided a previous appraisal of the subject property which exceeded its pending sales price, and I was asked to match it. I did not match that valuation, as the previous appraiser used irrelevant sales comparables to inflate her appraised value. The Truth In Lending Act also mandates that the parties involved in the transaction report appraiser misconduct to state appraiser licensing authorities, and Chase did not do that upon receipt after receiving the other two appraisals they ordered. Chase also violated the Home Valuation Code of Conduct, which requires that creditors must ensure that its loan production staff do not influence the appraisal process or outcome. By providing me another appraisal exceeding the pending sales price, and asking me to match that valuation ( which I did not ), and then blacklisting me with no evidence of wrongdoing, Chase violated U.S. Code 1639 requirements, including : Engaging in any act or practice that violates appraisal independence. Providing to the appraiser an anticipated, estimated, encouraged or desired value for a subject property or a proposed or target amount to be loaned to the borrower, except that a copy of the sales contract for purchase must be provided. Withholding or threatening to withhold future business for an appraiser, or demoting or terminating or threatening to demote or terminate an appraiser. Allowing the removal of an appraiser from a list of qualified appraisers or the addition of an appraiser to an exclusionary list of qualified appraisers, used by any entity, without prompt written notice to such appraiser, which notice shall include written evidence of the appraisers illegal conduct, a violation of the Uniform Standards of Professional Appraisal Practice ( USPAP ) or state licensing standards, improper or unprofessional behavior or other substantive reason for removal. By ordering a second appraisal ( mine ) without filing a complaint against the first appraiser, Chase violated the Mandatory Reporting requirement, which requires them to report that appraiser if they have a reasonable basis to believe an appraiser is failing to comply with USPAP, is violating applicable laws, or is otherwise engaging in unethical or unprofessional conduct. That appraisers name is XXXX XXXX, and through the Freedom of Information Act, I was informed by LARA that Chase did not file a complaint against her for her appraisal. Chases appraiser violated Michigans Occupational Code by : Violating a rule of conduct of an occupation. Practicing fraud, deceit or dishonesty in practicing an occupation. Committing an act of gross negligence in practicing an occupation. Committing an act which demonstrates incompetence. Failing to conform to minimal standards of acceptable practice for the occupation Demonstrating a lack of good moral character, and lacking the knowledge, skills and practical experience, and the facility in applying that information, education, and practical experience. Performing an appraisal in a state in which they are not licensed. Based on their appraisers biased and unethical appraisal, and the fact that multiple Chase employees told me their appraisal was done out of their XXXX office, I suspect their appraiser is not licensed in the state of Michigan, which is a violation of federal law. The appraisal I was asked to match used three different sales from the ones I used, with two of those sales exceeding/violating the 20 % living area guideline. One of that appraisers comparable sales was located over one mile from the subject, but the appraiser moved its location on the map and reported it as being .96 mile from the subject. On that same sale, the appraiser reported a living area difference 40 % smaller than the subject, and added {$5000.00} value for having {$4000.00} in concessions on its sale price. Her second sales comparable closed seven months before her appraisal date ( lenders at that time required sales within six months of the appraisal date ). The third sale used by that appraiser was a colonial-style home 34 % larger than the subject, and it closed three years before the date that appraiser reported in her appraisal ( the MLS # she referenced in her appraisal was unconditionally withdrawn and was not a closed listing ). That appraiser indicated on page 1 of the 1004 that property values in the neighborhood were Stable, even though prices were down approximately 20 % that year, and had been dropping for over one year. Chase did not file a complaint with LARA against that appraiser. To " justify '' their complaint against me with LARA after the subject went in to foreclosure, Chase commissioned another appraisal by an appraiser in their XXXX, FL office. That suspected unlicensed appraiser appraised the subject property for {$60000.00} as of the date of its sale by using 3 irrelevant sales, including a bank-owned home, a Land Contract sale of a vinyl-sided 2-bedroom home ( the subject has 3 bedrooms ) which was 44 % smaller than the subject and did not feature a basement like the subject did, and the sale of a home which was 19.5 % smaller than the subject, offered no significant updates, and featured a sales date older than the three sales I used in my appraisal. Chase also did not file a complaint with LARA against that appraiser. | ||||||
| 06/27/2019 | Yes |
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| I checked my bank account and had an available balance of {$94.00} at approximately XXXX EST on XX/XX/2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this {$160.00} was taken and applied first after several transactions dating back to the previous week. I then asked to speak with a supervisor. I was transferred again to a XXXX call center and spoke with XXXX XXXX. She by her own admission stated that they have an ordering system for transactions and they can and will post items even at XXXX based on their own criteria. Again, I said that if Im being assessed fees for pending items, that I am not being allowed the opportunity to make a deposit or transfer funds into the account before XXXX of that business day which is marketed as a overdraft and debit protection. I called back a third time and spoke with XXXX in a XXXX based call center. She advised me that the bank has no control over when merchants submit ACH automatic debits and for credit purchases, the merchants have 180 days to do so. Again, this is not logical because for all debit purchases require the cardholder to enter their pin, which should equate to the funds being debited IMMEDIATELY. She by her own admission stated that the order sequence is from HIGHEST to SMALLEST transaction. I told her that these were all debit transactions that have been reordered and some were extremely aged from the previous week. I then asked to be transferred to a supervisor in a US based call center. At this time, I was transferred to XXXX. She advised that theyre ordering system starts with the HIGHEST amount transaction per category then to lowest and they can assess 3 insufficient fees per day. This proves that not only does Chase change the ordering system, it is likely they utilize a software program to do so. This is very deceptive in nature. And it greatly benefits Chase to be able to profit substantially in the amount of {$100.00} per account holder per day. This has and remains to be an ongoing issue with this institution in which several class action lawsuits have been brought against for such deceptive and unethical business and banking practices. Chase has simply attempted to find a method that appears to be legal and undetectable to gain profit. Even if doing so on pending transactions which is not only unethical but seemingly illegal. Chase continues to misrepresent their debit protection, overdraft protection, processing times, and processing order. Their processing order overdrafts the account on items that would have more than enough available funds to cover. However, Chase continues to change the order on days old transactions for the potential to have consumer overspend and be manipulated in what their balance truly is. And they have adopted such practices and implemented training to their employees domestically and internationally to deceive the unwitting and otherwise inattentive account holder. Since filing my first complaint, this predatory practice has occurred again on twp separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST. I checked my bank account and had an available balance of XXXX at approximately XXXX EST on XX/XX/XXXX of 2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this 165 was taken and applied first after several transactions dating back to the previous week. Since filing my first complaint, this predatory practice has occurred again on two separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST. This again has happened ad of XX/XX/2019 accounting in two additional fees. Chase has not returned ALL of the fees they have erroneously charged my account through means of deceptive business practices and unethical, yet extremely profitable means. My debit card was deactivated due to potential fraud. Upon me attempting to make a deposit into my checking account via the ATM, I was advised that my card was inactive and I was unable to use it at the ATM. At that time, I called customer service and explained this to them. I also asked if this card could be reactivated for the sole purpose of making the deposit. XXXX advised me that this was no possible. I then asked if IF there were ANY transactions coming through the account. She advised me no. I then proceeded to explain to her that I had wanted to make sure because I couldn't make a deposit until the following business day. I specifically asked about checks, and she advised me no. She asked for the amount of the check. She advised she did not see any. I checked my online account at XXXX EST and the account was showing a positive balance. HOWEVER, one again, the check was processed in the late hours of the night, not allowing me the time to make a deposit before the standard XXXX that the customer is deceptively promised. Again, the order sequence was switched to bring the larger transaction through, causing 2 fees. I called customer service and was again transferred to the XXXX. I spoke with XXXX who informed me the information given by XXXX was not correct. I then asked to speak with a supervisor. After being on hold for nearly 15 minutes, I was then transferred to a " XXXX XXXX '' that attempted to reverse the fees and could not. I then went to the branch to make a deposit. On 2 previous complaints, I have specifically requested that am independent review be performed on my account to address how many predatory fees I have been charged. Each time, I would only see credits of the fees being reversed to my account. Yet, they have assessed 5 fees that remain to be refunded. I received a response and two voicemails from XXXX XXXX at the Executive Office in Ohio. Her response DID NOT address any of my concerns. IT merely danced around the issue stating " we've refunded your account '' to provide a " better experience ''. It is unknown why a simple audit by their accounting unit can not be performed as requested. Especially in lieu of past illegal practices adopted and performed by JPMorgan Chase that would result in several class action lawsuits. I would like to know WHY this audit information has not been provided timely.two complaints asking for this information, I am left with no other choice than to assue and believe that JPMorgan Chase is not only refusing to provide me with the documentation of an audit to address the concerns that I have ; and they are doing so with intentions to not address and hide the fact that they are in fact continuing to engage in illegal practices to prey on the account holders for the sole purpose of profit. After making two separate complaints to numerous financial agencies, I would like to know have these very serious concerns gone unaddressed despite 2 representatives at the executive level and three complaint submission. I would again like this all in writing for my personal review as well as legal review. I demand this audit immediately within 15 business days. And that the 5 fees that have not been refunded be done so immediately AS WELL AS ANY OTHER FEES THAT HAVE BEEN ASSESSED TO MY ACCOUNT AS A RESULT OF THIS DECEPTIVE, PREDATORY, AND ILLEGAL BANKING PRACTICE. | ||||||
| 06/18/2019 | Yes |
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| Early in XXXX I became the XXXX XXXX of the US office of a XXXX company. The U.S. office of the company was incorporated in Delaware as a separate entity. There is a sole owner who also owned the XXXX based entity. Our bank was Chase, and XXXX XXXX our bank contact, based on a relationship with prior foreign company I had been running at the same location with the same infrastructure and bookkeeper. XXXX relationship with Mr. XXXX dated from from XXXX or XXXX. The Chase relationship dated from XXXX. In early XXXX of XXXX I asked XXXX XXXX about a small line of credit. The company produced TV commercial and in production oftentimes equipment and locations need to be paid in advance, or require deposits. In addition there is travel. I had been using my own ( personal ) credit card. Given XXXX was slow in paying us money owed, I was getting concerned. XXXX called me a few days later and said he had a better solution and put me in touch with XXXX XXXX, at the bank, to open a company credit card. He assured me it would be set up as a corporate card and I would have no liability. I reiterated I was doing this as I was using my own card and did not want any liability. The card application was made on-line during a phone call with XXXX XXXX. XXXX XXXX initiated the call.. After we spoke, he transferred me to XXXX XXXX. She guided me through the process. I specifically said to her I did not want the card if I would be liable if something happened with the company. I explained that I knew of instances where employee had cards in their names and were held liable. She clearly told me I was covered in the event of any kind of default. She told me the company was responsible and I was " protected '' ( her word ) On that same call XXXX guided me through the on-line application. I never signed anything. The official card date of issue is XX/XX/XXXX. I left XXXX at the end of XX/XX/XXXX and closed the office for them, although the company was kept open. The part time bookkeeper stayed on. The XXXX company declared insolvency in XXXX of XXXX. XXXX XXXX in the US has never actually closed. The owner stopped responding to anything in XXXX. The XXXX Chase Bank account remains open with a small balance. During the last week XXXX of XXXX, when I closed the physical office of XXXX XXXX in the US. Everything was given to the part time bookkeeper who was the one that handled all the financial affairs and bank business. She was known to XXXX XXXX and had interacted on a regular basis. She was given the checkbook and the card, and she had all current records. All further Chase business should be would be forwarded to her P.O. box. The monthly statements had always gone to the company address. The day I closed the office I went up to my Chase branch and spoke to my banking contact XXXX XXXX. I told him I had left and the physical office was closed. I explained that the bookkeeper was taking over. I informed him I was no longer a signatory on checks and she had the card in her possession. Some time in XXXX I contacted XXXX on a personal banking matter and when my leaving was referenced he claimed he had no idea and denied I ever came to see him. Not sure why. Perhaps he genuinely forgot. I asked him if the card needed to be closed. But he was rather argumentative. He said he would take care of it. He contacted XXXX XXXX. That resulted in the following email exchange that you will see below. XXXX, XXXX XXXX had left XXXX XXXX this past XXXX. Please advise on having him removed from these business accounts. Bill can be reached at XXXX. Thank you. Regards, XXXX XXXX At that point XXXX asked me for the book keeper 's phone number which I supplied to her. That was the extent of her correspondence. The card was kept open and the bank continued to do business with the corporate entity. I heard nothing back from that point on. There was nothing from her about any liability or action regarding the card. The bank never contacted me, or sent me bills or notices, ( despite their claim to the contrary in the attached XX/XX/XXXX letter to my attorney ). Nor was I informed if the account was closed or kept open, or closed. They had a home address for me, and a telephone number. XXXX XXXX did not contact me after that. As noted, she knew I was gone, and card was left open and the bank continued on doing business with the company, and payments were ongoing for a time after that. The monthly payments continued to be made by the company and were accepted by the bank. The last one was as of XX/XX/XXXX. At some point the XXXX based owner walked way from his obligations and it appears the card was rendered inactive. ( When I was able to retrieve all the records for the account there was nothing between that XXXX statement and one issued XX/XX/XXXX. ) However the company was never closed. And as of earlier this year there is still a bank account with a balance. However the account has been frozen. Most importantly that correspondence from XXXX XXXX was the last I heard from Chase or anyone about he account, until Saturday XX/XX/XXXX. This was over two years after leaving the company. I received the attached notice, mailed to my home, from XXXX XXXX. I had never received a bill or notice at my home address. I contacted XXXX XXXX by email about it. Her email response : I have looked into the credit card ending in XXXX This credit card is issued in the business name, with your self as personal guarantor. That is why I believe you are getting the communication from XXXX XXXX. The last transaction on the card ( purchase transaction ) is from XX/XX/XXXX, but there were payments made each month until XX/XX/XXXX at which time the payments stopped and a late fee has been charged plus the interested each month. ( E-mails are attached ) I further asked her about any signature and a closing date. Her response : I am looking into a documentthere may not be one, as one wasnt needed in XXXX Opened XX/XX/XXXX, there is no closed date listedit is in charged off status She also told me statements were available on line. They were not. I called the bank 3 times and they promised statements within 10 days at my home address. They never came. I was finally able to get them printed at a branch. The notices continued with XXXX offering to reduce the amount of {$29000.00} to around {$11000.00} and a proposed payment plan. I hired legal representation. My attorney then contacted XXXX and said all correspondence should go to him. He explained our stance that I am not liable and this is corporate debt, and outlined the reasons. At that point XXXX returned the debt to Chase. Chase then responded to my lawyer in correspondence received XX/XX/XXXX. ( Attached ). A summation from my lawyer : Chase finally responded. They claim you are responsible personally because you applied in your name with your SSN. They attached a form showing the information. They also attached an Agreement that says, in its section headed Legal Responsibility that says that the person who applied for the account and gave his/her SSN is responsible. Chase closes by pointing out that they may close out the account if it is not paid and then report the debt as forgiven,,, the IRS will expect you to pay income taxes on the amount forgiven, {$29000.00} as of XX/XX/XXXX. They further claimed in the attached document that " We kept sending monthly statements to XXXX XXXX XXXX until the account charged off on or about XX/XX/XXXX. '' This is not true. In referencing my liability they used my home address in XXXX on XXXX. I never received a bill or notice there during the entire time the account was opened and closed. That address was only used by the collection agency. And my last communication was in XX/XX/XXXX with XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, my attorney sent a letter to the XXXX owner notifying him of the debt. ( Attached ). He has not responded, On XX/XX/XXXX my lawyer called the bank at the number provided on the XX/XX/XXXX correspondence that was sent by the bank after XXXX XXXX returned the debt to the bank. He asked that the IRS debt forgiveness be assigned to XXXX and not me. And said if paid a small amount just to end this and so as not to keep paying him was that possible. They said no to both. They advised him to write to a chase address in Delaware. My Lawyer sent a letter to Chase at the Delaware Address ( attached ) on XX/XX/XXXX of XXXX. In early XXXX we had not heard from the Delaware office. They finally returned a call to my lawyer on XX/XX/XXXX. The person from Chase said they had not read the letter and further stated he had been told the XX/XX/XXXX letter was valid. My lawyer responded that the letter raised specific questions and we wanted answers to those questions. The representative said he would report back the comments. We have yet to hear back. In addition to the IRS, this has also been reported to the major credit bureaus. My credit record was excellent until this appeared. | ||||||
| 08/30/2020 | Yes |
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| Chase card services has wrongly notified the credit bureaus of late payments by me, which put a major negative blemish on my credit score ( dropped 118 points ), and I am told that it will be on my record for 7 years. This is all due to a fraudulent purchase that was done with my credit card. I have called them several times, and every single person I spoke to understood my situation, and agreed with me, but when they reached out to their credit fraud department, they would just say, to bad, so sad, nothing we can do about it. This started with someone getting my credit card info, even though I still had possession of my card. On XX/XX/XXXX, The criminals purchased {$2400.00} worth of stuff that I noticed on my next statement about 3 weeks later. I called Chase immediately, and got the card cancelled, and they sent me a new card, and began the fraud investigation. I didnt think anything of it after that. I thought it was settled. A month goes by, and I got my new statement, and to my surprise, {$910.00} is carried over from the fraudulent charges to my new account. I called Chase again, and asked what was going on, and they told me, that because the particular items that were purchased in that amount were sent directly to my address, that I was responsible to pay it. I had no idea what they were talking about, and I told them that I never purchased anything in that amount, and in fact, I wasnt even using that credit card at the time, and had a XXXX balance. So they reopened the case and looked into it. The next month, I got my statement again, and not only was the charge still on it, but it accrued late charges, and interest as well, and had a big minimum payment due. I called Chase, and told them that this was a fraudulent purchase, and that I am not going to pay it. It was at this point, I took a more active role in finding out what had happened, and I called the business that was on my original monthly statement with the fraud charge on it, to find out who they were, and to see if I could find out what item was supposedly sent to me. Thankfully, they were very helpful, and told me exactly what was sent to me. After talking with my wife about it, we realized that indeed, 4 qty medical stethoscopes '' were sent to us. I remember my wife telling me about it, but we didnt really think twice about it at the time. Covid just started, and this wasnt a big deal as far as we were concerned. My wife said she would probably just donate them to any doctors that may need them during this covid crisis. The delivery of these stethoscopes was really weird. we had no use for them, and certainly didnt order them, and we didnt know why we got them. Frankly, I forgot all about it at the time, but now it was making a little sense, so I called Chase again. I spoke to XXXX, who told me to just return the items to the manufacturer for credit, and then email XXXX with evidence that I did, and to include the original account information that was stolen with this information, and it would be all taken cared of. Considering that my wife may have donated the items already, I was a little concerned that I may not even have them anymore, but, we did still have them, and I did successfully get the company to allow me to send them back the for credit, and indeed sent all the information requested to the email address that I was given by XXXX, only to get that email bounced back to me, saying it was invalid.. I had no XXXX, no phone number to get a hold of him ( he would not give one ), and no working email to use, but, I had a credit coming from the return, so this should be all over. So I thought. During this time between what above just happened, and my next statement, I did use the credit card at a local grocery store because they would not take my XXXX XXXX card, so I was forced to use the chase visa card instead. These consisted of groceries on XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$21.00} from this same place. These were my only true charges on this credit card since I got the new card. Weeks go by, and I get my next statement on XX/XX/XXXX if I recall correctly. I saw no credit to my account, even though the manufacturer said that they did credit it already on XX/XX/XXXX, and yet my bill was still for {$1000.00}, with a minimum payment due of {$140.00}. Not only that, but I got a notification from my XXXX XXXX app that my credit had changed, and when I looked at it, it dropped 118 points. So, I called Chase again, and told them what was up, and they told me that the credit from the company did indeed go through, but it didnt make my current statement. They told me that I still had a balance and asked if I would like to take care of it right then and there, so I said sure. They charged me {$100.00}. But in my head, I was thinking that I only spent about {$50.00} total on this credit card at the grocery store, so how could my bill be {$100.00}, So I addressed that with them and I wanted to confirm that they would take care of my credit bureau drop as well, but they said that there was nothing they could do about it, and it would stain me for 7 years. Obviously I was livid. I spoke to multiple people from Chase at that point, and they generally agreed with me that I shouldnt have to pay late fees, and interest on the fraudulent charge, and they refunded me all the late fees that were attached to it. I was also told that their policy was that they only notify the credit bureaus after 2 statement periods of delinquency. I told them that I wasnt going to pay on a fraudulent charge, and I was happy to pay my two grocery store charges which were {$94.00} less than the Minimum payment that my statement was asking me to pay. I got different stories from different people on why I was being reported to the credit bureau, but after digging deeper, I was able to counter their own reasoning, because they told me that they have forgiven the fraudulent charge and late fees, and that their policy was to not contact the credit bureau until after two cycles of non payment, yet they contacted the credit bureaus already, and would not fix it. Initially, they agreed with me, that I shouldnt be responsible for paying on a fraudulent charge, but then turned on a dime and said that I should have. I broke it down again on how unreasonable that was, and they agreed once again that I should not have had to pay on that fraudulent charge, but that I missed the payment on the grocery charge that I made, so they reported me, and there was nothing that they could do about it. After looking closer at the information, I figured out that my oldest real charge to that credit card was on XX/XX/XXXX for {$31.00} for the groceries that Chase spoke about. The due date for this charge was XX/XX/XXXX. As I already described earlier, When I got that new statement, the fraudulent charge was still showing with interest and late fees, and they were asking for a minimum payment of {$140.00}, on a balance of {$1000.00}. Once again, there was no way I was paying for a fraudulent charge. I called them again on XX/XX/XXXX ( 9 days late for the payment of that grocery bill ), and I explained once again what had happened, and they acted as though they were sorry, and asked me to make that smaller payment for the grocery bill, and I did so on the spot. I thought I was in the clear, but, once again, I asked them to remove the mark on my credit report, and they said no, because I didnt make that minimum payment of {$140.00}, even though I owed only {$50.00} max.on Earth 1. I did pay this grocery bill charge, and it was 9 days late, for the good reason as described above. Considering that they told me that their policy was to only notify the credit bureau after two missed payment cycles, the nine days that my grocery bill payment was actually late didnt really comport with what they were telling me, and I could tell that they were just lying to me, and trying get me off the phone. They transferred me to their credit fraud division once again, and they just said, we already told you, we cant do anything about it. I canceled the card on the spot. Fully paid off of course. They obviously used the fraudulent charge, and lack of payment towards it as their premise to contact the credit bureau. Even though they agreed that I shouldnt have to pay towards a fraudulent charge. Then they changed their story to the late grocery payment, which was paid in full 9 days late. Not even close to the two billing cycle policy they told me about, and the 9 days late was understandable since they were asking me for a minimum payment 3x what I owed. They got mean in the end, and it became, to bad, so sad, nothing we can do. Now I am writing this letter. I dont deserve to take a hit to my perfect credit of XXXX that I earned for a reason, only to have it knocked down because of fraudulent activity, and complete lack of empathy on the part of Chase card services. Please help. Sincerely, XXXX XXXX | ||||||
| 04/17/2023 | Yes |
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| Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of XXXX loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX XXXX {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX XXXX XXXX, Chase, and XXXX cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX XXXX XXXX!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXXXXXX XXXX However, XXXX XXXX XXXXXXXX, Chase, XXXX, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX XXXX fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( XXXX days ) '' - this was stated per XXXX Correspondences was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. JP Morgan Chase ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX XXXX XXXX # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that Chase will XXXX regarding update on the investigation Contact # XXXX XXXX XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor XXXX spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections specialist XXXX XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the XXXX account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} XXXX ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX XXXX who is my father, per agent that I spoke to XXXX Spoke to XXXX at XXXX XXXX XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at XXXX XXXX on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department XXXX XXXX XXXX XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX XXXXXXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX XXXX XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with XXXX XXXX Police Fraud Team Made report XXXX XX/XX/XXXX @ XXXX XXXX Police report # XXXX XXXX XXXX police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the casXXXX XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXXXXXX XXXX o Spoke with XXXXXXXX XXXX She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXXXXXX XXXX Fraud alert XXXX by XXXX XXXX Accounts in my name XXXX XXXX XXXXXXXX, XXXX XXXX JP Morgan disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed | ||||||
| 09/18/2019 | Yes |
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| COMPLAINT : Chase bank has denied me from opening a checking account but is refusing to give an explanation. ( I have a Chase credit card and have no issues with the credit card ) Chase Bank Timeline & Notes on Checking Account Denial : XX/XX/XXXX Met with XXXX XXXX ( Private Client Banker ) at XXXX XXXX XXXX location ; opened checking account using a {$1000.00} check from our XXXX XXXX XXXX personal checking account and a Chase check ( from a recently closed Chase credit card ) for {$530.00} ; was given 3 pre printed checks and a deposit slip ; Chase Total Checking Account # XXXX ; XXXX mentioned that the account might be closed after a review is done but could not tell me any reason why I had no idea what this might be about and assumed this was boiler plate language and assumed that it wouldnt get closed ; I electronically signed their documents ( but did not receive copies ) XX/XX/XXXX XXXX Account Alert Screen Shot of a new application inquiry : XX/XX/XXXX See Email from Chase Debit/ATM XX/XX/XXXX See Email from Chase Mobile App requesting that I sign into the mobile app to get electronic copies of the disclosures that were signed when opening the account. Note : since I no longer have the account, I can no longer access these documents. On XX/XX/XXXX I asked XXXX for a copy of these documents and received a printout of only the Deposit Account Agreement and Privacy Notice. XX/XX/XXXX XXXX Account Alert of new account opening : XX/XX/XXXX See Email from Chase Account Tools XX/XX/XXXX Received and activated the ATM card ; XXXX exp XX/XX/XXXX XX/XX/XXXX See Email from Chase Get More From Your New Account XX/XX/XXXX By chance, I discovered that the new checking account had been closed ( no notification was received ) ; it was discovered because we were locked out of our online access to our credit card ; upon calling the 800 number I talked to various people yielding various messages but no specifics were given as to why the account was closed ; I was told that the account can no longer be maintained and the back office has decided to end the relationship ; I was also told Chase is not required to give a reasonthere is no specific reasonthe local branch can not give a reasonthe letter being sent will not have a reason, I was informed that online credit card access would be reinstated once the checking account was officially closed but that I would have to call back and have the reinstatement done ; I was told that the checking account was restricted on XX/XX/XXXX and that a letter dated XX/XX/XXXX would be mailed out ; it doesnt make sense that the account was restricted on XX/XX/XXXX but I was able to activate the ATM card on XX/XX/XXXX ; this conversation was on a recorded line ; I was hung up on XX/XX/XXXX Credit Scores from XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX We met with XXXX and also with XXXX XXXX ( Branch Manager Vice President ) to determine WHY this occurred as the 800 number folks basically said that Chase has decided, effective XX/XX/XXXX, to no longer maintain the relationship and would NOT give a reason WHY ; they were unable to provide any clarity ; XXXX called an internal department and they informed him that no specific reason could be given ; XXXX eluded to seeing something in the system regarding a closed account from XXXX & XXXX but could not provide any specific information ; XXXX said that the person on the phone said that Chase is not required to disclose why the account was closed and that this was stated in the initial documents that were signed ; I requested a paper copy of these documents and was given the Deposit Account Agreement and Privacy Notice ; I can not find where this is stated and it appears that Chase Bank has a history of not complying with the Fair Credit Reporting Act https : //www.consumerfinance.govXXXX ; XXXX said that she would investigate and get back to me or send it on to Escalations XX/XX/XXXX See Email to XXXX XXXX, Local Bank Branch Manager XX/XX/XXXX XXXX the afternoon mail I received three letters from Chase ; even though we were told that no specific reason would be given two of the letters dated XX/XX/XXXX ( which appear to be identical letters ) gave specific reasons stating inability to verify identity and referencing an XXXX credit score of XXXX ; these two letters have no contact phone number ; I cant understand the bottom of the letters as it is not in English ; the two letters were from Chase in XXXX XXXX, TX . The third letter, dated XX/XX/XXXX, from Chase in XXXX, Ohio, stated that my account was being blocked and would soon close because of information obtained from a consumer reporting agency XX/XX/XXXX See Email from Chase Know Your Overdraft Options inviting me to set up overdraft preferences XX/XX/XXXX See Email from Chase Low Balance Alert XX/XX/XXXX Phone call ( on a recorded line ) with XXXX in Branch Escalations & Complaints Dept ( XXXX ) XXXX ext # XXXX Case # XXXX ; my email to XXXX was sent on to him ; he too stated that Chase has decided to no longer maintain the relationship and that they were not required to give a specific reason why ; he said that credit score has no bearing in decisions to open checking accounts and that he was unable to provide further specifics ; he said ( as I was also told by XXXX & XXXX ) that credit and banking are separate and one does not influence the other ; once a decision is made by Chase Bank then a generic response is given and specifics are not provided ; he said that this was the end of the line and that I have no other recourse or resources to contact and that my only option would be to subpoena Chase Bank to try an obtain the reason why ; he said that he doesnt see in his system the 2 letters dated XX/XX/XXXX but suggested I call the 800 number on these letters I let him know that there was no phone number on the letters ; he said that the other department that was supplying him information was the Banking Loss Prevention department and they stated that there were no letters sent out siting specifics I read him the letters and suggested that he get a copy of them from XXXX since I am not allowed to email him directly ; he said that specifics stay internal and that a subpoena would be the only way to possibly be able to obtain any specifics as to why the account was closed ; he mentioned seeing something about a closed account in XXXX but was not allowed to give specifics ; I asked him to dig further by obtaining the letters from XXXX and to call me back XX/XX/XXXX Phone call ( on a recorded line ) from XXXX he got the letters from XXXX and forwarded them to the back offices ; he again said that the credit score has no bearing on their decision even though all of the letters reference XXXX ; he said that no human was used to create the letters dated XX/XX/XXXX and this was just a generic automatic thing ; he stated the bank does not want to bank with me ; he said that a review was done after the account was opened and that is why it is now closed ; he stated that XXXX should not have opened the account in the first place based on the notes that are in the system and that a note was in their system to not enter into a banking relationship with me even those I have had credit cards with Chase ; he again stated that banking & credit are two separate things ; I pressed and pressed for what my next steps were and he stated that this is the end of the line based on actions occurring in XXXX and an alert in their system to not open an account with me ; he said that the decision is final and that there is no further recourse for me ; upon further pressing he did say that I could write to the Executive Offices ( Chase Bank, XXXX XXXX XXXX, XXXX Ohio XXXX ) but that I can not call them or email them and it that it is unlikely that this will yield resolution without a subpoena XX/XX/XXXX Started process of requesting specialized consumer disclosure reports. XX/XX/XXXX Received refund check from Chase ( dated XX/XX/XXXX ) for the initial account opening amount of {$1500.00}. Note on check stub said : We closed your account ( s ) and attached a check for the remaining balance ( s ). XX/XX/XXXX Received Marketing-Mail inviting me to open a Chase Checking Account XX/XX/XXXX Email with XXXX XXXX XXXX ( in MT ) requesting to find out any derogatory information that may have been submitted to XXXX on me personally or on my businesses ( XXXX ). Relations with XXXX XXXX XXXX have spanned over 10 years and there were no derogatory issues. XX/XX/XXXX Received XXXX report with No Information On File XX/XX/XXXX Received XXXX report with No Information Found ( only Social Security Number Validation in XXXX ) XX/XX/XXXX Will proceed with Consumer Financial Protection Bureau Complaint Contact Information : XXXX XXXX, XXXX, Private Client Banker, NMLS ID : XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, NMLS ID : XXXX ( XXXX ) XXXX XXXX, Branch Escalations & Complaints Dept ( XXXX ) XXXX ext # XXXX | ||||||
| 06/17/2019 | Yes |
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| My vehicle was wrongfully repossessed. I had a XXXX lease through Chase Auto Finance. After the lease term ended, I indicated to Chase that I wanted to convert from lease to purchase and also obtain the purchase financing through Chase Auto. On or about XX/XX/XXXX, I had been told by XXXX XXXX ( loan originator at Chase ) that my credit application was approved, and I was given the loan terms. I told him I accepted the terms and asked him to send me the documents electronically for completion. XXXX also instructed me to pay the lease payment if another one came due before the purchase loan was processed and that if I continued receiving calls from the lease side I could either answer them or ignore them. This could be confirmed by listening to calls between myself and XXXX.I received the documents electronically but also received them via XXXX overnight XX/XX/XXXX. I executed the documents ( contract, power of attorney ), paid {$20.00} to have my signature notarized on the POA documents, and sent back all documents that were on the provided checklist, along with copies of my vehicle registration, insurance card and driver 's license. These items were returned to Chase XX/XX/XXXX via XXXX overnight. The contract date indicated on the documents was XX/XX/XXXX. On XX/XX/XXXX, I received a call from Chase Auto. Thinking it was regarding finalization of the loan and how to make payment, I returned the call. It was actually the lease side. I indicated I had returned the purchase documents the week prior and that I assumed the loan would be fully processed and the lease paid out shortly. Also on XXXX XXXX, I received a XXXX envelope at my home. The envelope included a letter from Chase Auto dated XX/XX/XXXX and an odometer disclosure statement. The letter indicated my documents had been received and the odometer statement was all that was needed to finalize the loan. ( Please note : an odometer statement was not part of the original package ). I completed and signed the odometer statement and returned it to Chase Auto XX/XX/XXXX in the XXXX overnight envelope they provided to me. I never received any further correspondence from Chase Auto. Another lease payment was due XX/XX/XXXX, so I did as instructed by the retail lending side and paid the lease payment. This payment was accepted. The first retail loan payment was supposed to be due XX/XX/XXXX. As I still had not received anything further regarding how to pay the loan, and the lease was still showing open for me on the Chase app ad Chase online, I started calling the number provided on the letter of XX/XX/XXXX ( XXXX ). The letter indicated to call that number and choose Option 6. There is NO option 6. I chose option 3 for applications already made, then option 1 for apps made by phone. I have called that number XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. All I ever got is a recording stating they are experiencing high call volume and I will be handled by the next available representative. After 20-30 minutes with no one picking up, I would give up. This occurred more than once a day on most of those dates. I also tried the number I had for XXXX XXXX on XX/XX/XXXX. That number was no longer in service, as they are apparently no longer taking credit apps by phone. During this whole time, I was monitoring Chase online and the Chase app to see if the lease had been paid off yet. The evening of XX/XX/XXXX, the lease no longer showed on the app or Chase online, so I thought it had finally been paid by the retail side and closed out. Sunday XX/XX/XXXX, I walked out of my house to go celebrate XXXX 's Day with my stepfather, and my vehicle was gone. I called the police and was told it had been repossessed. I called Chase at XXXX, which was a number I found online. it was the automated payment number, but I got transferred to the Redemptions dept and spoke with XXXX ( ID number XXXX ) who provided me with contact info for the repossession agent and told me I would have to contact them Monday morning. I explained the situation regarding already executing a contract to purchase the vehicle at the beginning of XXXX, and she indicated she forwarded the situation to Disputes and they would contact me in XXXX hours. I had to then go purchase some items I would need for work the next day, as the items I needed were in the vehicle. Monday XX/XX/XXXX : I had to find a ride to work. My security badge for work was in the vehicle, so I had to obtain a temporary. The temporary badge did not allow me access through any of the security doors. I work on an enhanced security floor, so could not even get back to my desk if I went out to use the restroom. At XXXX, I contacted the repossession company I was given by XXXX the previous evening. I informed them this is a wrongful repossession and the finance company would need to return the vehicle to me. I also told them not to do anything with the vehicle including open it, remove contents, cut a key. At XXXX XXXX I called XXXX again and was transferred to XXXX ( ID XXXX ) in the Redemptions Dept at Chase. She advised me she sees XXXX emailed Disputes yesterday about the situation and we just have to wait for them. I told her this is a wrongful repossession, and I want the vehicle returned today, I asked for a supervisor and was transferred to Account Supervisor XXXX ( ID XXXX ). I informed him of the above course of events. I told him this is a wrongful repossession, and I want the vehicle back today. I informed him I was filing a CFPB complaint and Executive complaint. I made it clear how disturbing this is given the fact that both loans are with the same bank. He told me there is a note that the credit app expired XX/XX/XXXX. He told me maybe I could start the application process again. I asked how this could happen when all paperwork to complete the loan was returned weeks before. He attempted to transfer me to a number for loans, and the call disconnected. He indicated the number was XXXX. XXXX XXXX : Called XXXX and again received a recording indicating they were experiencing extended wait time. XXXX XXXX : Called XXXX and received a recording indicating that to apply you need to go online to chaseautoloan.com XXXX XXXX : Called XXXX ( Chase customer service ) again. Agent indicated she didnt see it was flagged for repo and said she was going to transfer me to the Collection Dept. I was transferred to Account Supervisor XXXX ( ID XXXX ) at XXXX XXXX. I gave her the story and again informed her this is a wrongful repo. She attempted to transfer me to XXXX option 3, which is the number Ive been trying to call for weeks and never reached a person. She stayed on the line until XXXX, at which time she told me they were experiencing extended wait time. She suggested I talk to a loan XXXX at a Chase branch who XXXX have a better number. At XXXX XXXX, I again called XXXX trying to determine why my purchase loan never got properly processed thus leading to the wrongful repossession. I again received the recording indicating they were experiencing extended wait time. It was 2 hours and 5 minutes before anyone came on the line. I held that entire time, while I was also attempting to perform my job. Finally, the call was answered by someone named XXXX at XXXX XXXX. XXXX advised that Resolutions was working on it and had actually contacted her for a piece of information. She stated that the tracking number for the Odometer Statement I sent back to Chase XX/XX/XXXX showed that it was received in the mailroom at Chase XX/XX/XXXX ( the next business day ). She said they need to find out what happened between receipt of the final document and the booking team, as it was not showing as received by booking until a month after the mailroom ( XX/XX/XXXX ). Booking supposedly was reaching out to the lease side for a new payoff. XXXX told me she emailed XXXX ( XXXX? ) from Resolutions who is working on the case and appeared to be at lunch. She stated that she would call me back and recited my phone number to me. XXXX further told me this was not my fault since I had returned everything on time and they would work on trying to get it resolved. Once again, I stressed that this was a wrongful repossession and I wanted the vehicle returned today. To summarize : I had a vehicle lease with Chase. I was approved by Chase for a new loan to convert from lease to purchase, and I supplied all documents within the requested time. I followed the instructions of the retail side and paid the next lease payment that came due, and it was accepted. Chase admits to receiving my paperwork on time, yet no one started processing it until a month after it was received. Due to the lack of controls and their improper practices, my vehicle was repossessed causing me great hardship, embarrassment, stress and consumed my time. As of this writing ( XX/XX/XXXX at XXXX XXXX ), I have not received a call back, and I still do not have my vehicle. | ||||||
| 11/08/2023 | Yes |
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| What was supposed to be an easy chargeback win due to the seller being a scammer, turned into a nightmare with countless hours lost, {$800.00} lost, and the vendor left thinking they can continue to scam people and be successful at it. I purchased a custom website design from an online company located in California called XXXX XXXX XXXX. On my credit card the charge was listed as a vendor name called XXXX XXXX. This company never produced a website, they simply filled out a few words in a prebuilt singular webpage with no working links, relevant images, or anything else we agreed on. The company fraudulently claimed to have delivered the product to me and convinced Chase to agree that their charge was valid for {$800.00} USD. Important Dates : 1. Purchase made on XX/XX/2023 2. Filed dispute for charge back since Vendor was unresponsive XX/XX/2023 3. Seller submitted rebuttal with blurry images of an empty website shell on XX/XX/2023 ( Chase only needed to click on the link provided by the seller to see the website was a fake product or request legible images of both the email correspondence and website screenshots showing me cancelling services before the website was even conceived ) XXXX. XX/XX/2023 Called Chase at XXXX for XXXX minutes to confirm when they needed the supporting information by, they said they need my response by XX/XX/2023 and will make a note on my profile. 5. XX/XX/2023 Chase ruled in Vendor 's favor due to lack of evidence from buyer ( me ) even after reassuring me I had until XX/XX/2023 to submit information. 6. XX/XX/2023 I ( Customer ) submitted a response to the Vendor 's rebuttal along with a complete email correspondence showing me cancelling services and the Vendor 's policy for 100 % money back guarantee ( which shouldn't matter because no product of use was ever made ) on Chase.com. 7. XX/XX/2023 Chase again rules in Vendor 's favor even after Customer ( me ) submitted the requested information but fails to explain why they made this ruling or even ask the customer ( me ) for any additional information they desire. Chase should have waited to make a ruling if they were uncertain and requested specific information from me. 8. XX/XX/2023 Chase sends a second letter after the letter ruling in the Vendor 's favor. This made it seem as though someone made a clerical error on the ruling and therefore had reopened the case. I assumed they were waiting on the vendor to respond to my rebuttal. 9. XX/XX/2023 called Chase XXXX ( XXXX XXXX ) to see if there was more information I could provide them on the case, I was told there was nothing further to do. 10. XX/XX/2023 called Chase XXXX ( XXXX XXXX sec ) Called chase to see why there hasn't been a ruling yet. They claim they made a ruling and the case is closed. They then proceed to tell me the deadline for submitting a chargeback claim was XX/XX/2023. I proceeded to ask why they didn't reach out to me for more information if they needed it as well as how they came to their conclusion that it was a valid charge. The representative told me they did not disclose that information and that it was final. I then submit this information online at Chase.com in hopes of a resolution. 11. XX/XX/2023 called Chase XXXX ( XXXX XXXX sec ) I called Chase again to ask about why I was unable to continue the dispute when I started it long before the window had closed. I also asked why they rendered the charge valid even after submitting 8-pages of arguments with high level of detail and the complete 56-page email correspondence between me and the seller showing their fault. The representative instructed me how to write a more concise response that Chase might look more fondly on. I wrote a 2-page response and submitted it to Chase.com. 12. XX/XX/2023 Chase once again claimed the charges were valid. They now claim it is because I am asking for a chargeback after the XX/XX/2023 dispute window. beyond being upset, I was stunned that Chase would still fail to reverse the charge even after all this effort and time since XX/XX/2023. My argument is that I began the dispute well before the window closed and that Chase failed to instruct me on what specfic information and format they needed to make a valid ruling from their perspective. I clearly had the information to back up my claims, and I even submitted the information request to them on time, just not in the format they may have liked. As previously stated, I submitted a highly detailed 8-page response along with a 56-page email correspondence and a comparison of the website I had previously created myself even prior to interacting with this Vendor and how it was actually functional. The website I created was free. Chase still insisted the vendor 's charge was valid, almost as if the Chase had not even read my rebuttal or the email correspondence. I then submitted another document that was only 2-pages long in hopes that they would be more likely to read this one and recognize this was an obvious scam. Below is the information from that document : ************************************************************************************************************ Regarding the charge for {$800.00} on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX for a fully-functional custom Website. This company and its staff failed to produce the product they promised. My communication with this company began XX/XX/2023 ( Date of purchase ) and ended on XX/XX/2023 ( Date refund requested ). After this, not a single email, product, or refund has been received to date on my end from any person or body representing XXXX XXXX & XXXX XXXX XXXX. Arguments : A. Seller repeatedly claimed one ( 1 ) month to complete a fully functional website at time of sale. No such product has been delivered and it has been 105 days since the date of purchase as of today. a. Product offered at time of sale vs product shown in Sellers rebuttal is equivalent to selling someone a fully functional car that is highway ready, but delivering a XXXX XXXX car instead. The gap in product expectation to product claimed to have been received it vast. B. Product sold was promised to include the following : a. Fully functional website with Stripe add-in linked and ready for customers to make transactions with. b. All my Snow bracket products ( I have XXXX in total ) should be listed on the website. Not a single one is listed on the website template they submitted in the Rebuttal. c. Another tab should be available to advertise my engineering services as a Design engineer for creating custom bracket shape designs. d. A custom product quantity estimating tool should exist where a customer can enter in the product type they want to use, the measurements of their roof ( Length, pitch, width, shape ( triangle, parallelogram, rectangle ) ), and the average snowfall in their area ( or overwrite this setting with the maximum snow depth they want to be held on their roof ). i. There should then be a custom pdf generated for the customer to download and see a custom installation pattern that states the total number of snow brackets to buy along with the total volume of SB-190 adhesive required to attach the brackets to the metal roof panels. ii. The pdf should also show where to install each bracket and their varied spacing on each unique roofing section the customer earlier specified in the custom estimating tool menu. 1. i.e. A customer inputs measurements for a standard rectangular ranch-style house and would have specified four ( 4 ) roofing sections that need snow brackets. There would be up to four pages of installation patterns for each roof section called out by the customer. e. All my company and product photos should be on the website, but they dont have a single one on the website mentioned in the rebuttal. f. Website will be searchable from XXXX ( but it is not, only the website I had already built myself it searchable online at XXXX ) g. Website will have https security encryption already integrated into it. h. Website will include embedded videos and links to my installation videos. Conclusion : Not only was no website of use ever built, but the company fraudulently claimed they had delivered this product to me. If you look through all emails we have exchanged ( Between the seller and I ), you will not find a single website where they claim to have delivered a product to me. Therefore, not only was the product never delivered ( the website ), but the inferior product submitted in the Sellers Rebuttal on XX/XX/2023 lacks 100 % of what was promised at time of sale. The product in the Sellers Rebuttal is a template to be used for building a website and not a functional website. Given the lack of product, overdue deadline, lack of communication from the Seller, and previously submitted email chains ( submitted XX/XX/2023 to Chase.com through their dispute section ), I am requesting a full refund in the amount of {$800.00} USD. | ||||||
| 06/01/2020 | Yes |
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| Those reviewing this comment are more than likely familiar with me and ( perhaps ) the situation I have faced these past few months, which has come about as a result XXXX 's direct breach of contract and continued negligence. To be fair to everyone, including XXXX, Chase is guilty of this as well ; however, I will not lump these two incredibly different companies together, because Chase has shown a genuine eagerness to make this situation right. And we ( Chase, myself, and some others ) are currently working together on a solution that can hopefully benefit a lot of underserved individuals and steer this resolution in a positive direction. For this comment, I will leave my remarks to/about XXXX to a minimum. They dont deserve any more of my time. Those reading should know that XXXX falsely added XXXX worth of debt to my credit profile during the beginning of the COVID pandemic, which messed up my credit score and triggered a series of events that have almost rendered me homeless ( multiple times ) in the past three months and caused me a great deal of difficulty these past few months ( the understatement of the century ). They effectively nuked my credit score, refused to admit they did anything wrong, proceed to deny me performance-based credit that I earned ( using references to vague changes in my credit report - that I later found out they caused ), and then they effectively barred me from the means to liquidate my own assets by refusing to allow me to put my card on file to facilitate an ACH transfer, with the goal of liquidating of some spare assets, thereby preventing me from obtaining the capital that I needed to pay them and others ( and causing my credit score to fall even further ). They have gone out of their way to be difficult, uncooperative, and unresponsive. If I could feel anything for XXXX at this point ( because feeling something for them would imply I give a XXXX ), it would be deep disappointment. It is not my place to tell them ( or anyone ) how to feel ; however, if it were me, I would be ashamed. You ( I am directing this to you, XXXX ) are a waste of space, a waste of matter, a waste of atoms, a waste of subatomic particles, etc. ( or whatever you want to call it my point is that your existence is utterly useless and even nonconducive towards the long-term survival and success of the human race ). Although it is not up to me, if it were : your organization would simply cease to exist. And, to be clear to the ( assumedly ) smug executives at XXXX reviewing this comment : You will, at some point, as all maladaptive beings/traits ultimately do, cease to exist. I hope you all are ready for that day ; because, the way things are going, your organization 's time is soon. To anyone reading this comment, I am proud to say that I am still Chase 's customer ; and, as I expressed to XXXX ( the JP Morgan/Chase Executive Director who has been so kind to me, and, as an extension, my loved ones, throughout this ordeal ), I plan to open a checking/savings account with the Chase in coming weeks, as soon as I am able to do so. I would like to add that opening a new bank account is a big deal for me. Even though I am 25+ miles away from the nearest XXXX XXXX XXXX location, I have continued to bank with them ( XXXX XXXX ) here in California for 3+ years, because they have been good to me, and I feel comfortable with them. People tend to resist change, and I am no different. I have done my banking ( savings and checking ) pretty much exclusively through XXXX XXXX up until this point. And I will continue to keep my bank accounts with them ; because, they have been fair to me for the entirety of my stint as a customer, including the time leading-up-to and throughout this entire ordeal with XXXX. And I would like to express my gratitude to the team at XXXX XXXX for that. That stated ( and putting all, or, at least, most loyalties aside ), I need a bank that is convenient to me here in California for many reasons, and that is why I need to open another account. And Chase has my business. Simply put, business requires trust, and I trust Chase with my money and my business, because they listen to what I have to say and respect my boundaries. Despite some challenges along the way, thank you to the team/directors behind the Amazon Prime Rewards Visa for showing a genuine eagerness to listen and respond to my feedback constructively. I look forward to continuing to work together to strive for better for society. I also want to thank whoever has been reviewing these comments and forwarding to the various organizations involved - I acknowledge and appreciate your efforts. To those at Chase, please let me know if you all need help with the algorithms that govern your databases ( assuming you all have not already figured it out and made adjustments ). My XXXX XXXX is working on a project with XXXX, XXXX XXXX, XXXX, XXXX, the Department of Energy, and some others called the XXXX XXXX XXXX ; and, we are using machine learning algorithms to streamline and optimize process-based automation systems in real-time, effectively allowing machines to use live data streams to adapt and self-optimize ( in terms of improving operational functionality and safety ). These optimization processes ( the ones we currently use and the ones you would need to optimize your database ( s ) accordingly ) function on similar principles, as they both analyze live data with the goal of providing real-time feedback. Not to be redundant, however, if you all recall, the issue that I was having with Chase was that they shipped my credit card to the wrong address ( twice ). As of when I applied for the card ( I do not know if this is still happening ), I did not receive a warning or notification that Chase/Amazon were going to ship my card to a different address that the one in my application. My suggestion is for you all to modify your system to give users some type of a warning. This can be done in any number of ways. If security when cross-referencing your companies ' databases ( for privacy/legal reasons ) is an issue, you can use public key cryptography and symmetric encryption protocols to create and implement a secure end-to-end encryption. If thats possible, it is feasible to implement this system along with an added looping contingency designed to cross-reference transactional data from Amazon ( with respect to each sub-account considered separately from the main account holder ) with the application data that the customer is entering in real-time. The contingency ( in laymens terms ) simply put : " If The # of Orders Made/Delivered to the specific address of a Sub-Account ( within a reasonable period of time, i.e. past 6 months ) is more than the amount of orders made/delivered to the main account holders address ( from that subaccount ), then trigger a warning. This warning can manifest itself as an in-browser notification ( symmetric encryption protocols are capable of functioning vis -- vis browsers ) that warns the customer in some capacity. For example, " ( Customer Name ), it looks like the shipping address we have on file for the primary account holder is different than the address that we noticed the majority of your orders have been getting delivered to in the past six months. Would you like to ship the card to ( Insert Most Used Sub-Account Receiving Address ) instead? Yes, No, Ship to Other. '' Or something like that. Not only would this allow you all to set up a warning message for your customers when they are applying for the card, when incorporated with machine learning principles, one could also use the information/feedback provided ( vis -- vis activity tracking, etc ) to adjust and improve future automated responses to those customers ( i.e. instead of asking every time, the system will know, or at least have a good idea, of the customer intent based on former patterns ). If at any point it is needed, I would like to extend Chase the option to reach out to us for help in the future, and I will be more than happy to provide assistance if I can ( or to set up appointments/meetings/consultations with those in the research sector who may be able to provide assistance ). Not that such an organization needs my help - I almost feel foolish offering. However, I would like to emphasize the sincerity of my offer. And this offer is not meant to patronize or pressure ; however, I intend to leave it open as a gesture of trust, respect, and gratitude to you, your team, and the tremendous efforts you all have made at Chase. I would like to express my sincerest gratitude, not only through my words, but through my actions. You can reach out to me at any time. When I am asked to provide feedback, I do my best to give solutions. XXXX has my information, as should your main office - feel free to call, text, or email. Thank you for taking the time and effort to make this right - I am truly grateful. | ||||||
| 12/15/2023 | Yes |
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Web | |
| Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy. I look forward to your response. Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ACCOUNT # XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page. I look forward to your response. Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX JPMCB XXXX XXXX XXXX XXXX, DE XXXX Account # XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy. I look forward to your response. Attachment included | ||||||
| 01/01/2020 | Yes |
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Web | Older American |
| 1 ) Here is the description of how the {$2000.00} charge was made : On Tuesday, XX/XX/2019 at XXXX XXXX the screen on my laptop computer ( XXXX ) froze. It showed a XXXX message requesting a call to the number XXXX to resolve this computer problem. I did not initially follow this screen request until the third repeated attempt to restart my computer did not remove the frozen message. A man directed me to type in his commands to scan the computer in order to enable him to start a procedure of unfreezing my computer. The man introduced himself as being from XXXX. I followed his directions of a few steps after which he told me to wait for his colleague ( possibly named Mr. XXXX ) who will continue working with me. After holding for about one minute another man repeated the similar commands which finally resulted in apparent start of a scan of my computer. While the scan was in progress he introduced himself as a fraud department representative of XXXX which works together with XXXX XXXX fraud department representatives to fight bank fraud. He asked whether my checking or saving accounts were lately the subject of fraud attempts and if I use this computer for online banking. After I confirmed that I do, he asked me to check on my all checking accounts to find out if all my checking and saving accounts are intact because he suspected that some of them were hacked. He warned me that some transactions might not be reported by my bank until the next day. After 20 minutes I checked the balances on my XXXX XXXX, XXXX and XXXX accounts. None of them showed any changes on the balances. I informed him about each of them separately during that 20 min period. After I reported my last negative finding on XXXX XXXX account, he informed me that he was just in contact with a representative of the fraud department of XXXX bank named XXXX XXXX. He said that she found that there was an attempt to withdraw {$11000.00} from my savings which is now in progress. He then transferred my call to her phone and asked me not to hang up after my call with her is over because he wants me to follow his routine procedure of securing the money which were the subject of the illegal bank scam. The lady on the phone confirmed her name was XXXX XXXX and her position in XXXX bank. She informed me about attempt of an illegal removal of {$11000.00} from my savings account from an overall balance which she knew accurately and gave to me verbally. She also said that she is working to secure some of these {$11000.00} and will be in touch with the XXXX fraud department. She finally asked me to follow the detailed instructions of Mr. XXXX, who is a representative of the fraud section of XXXX. This person appeared to be fully informed about my conversation with Ms. XXXX XXXX. He asked me how his scan of my computer is proceeding. I informed him that my computer has been off ( screen was dark ) after 15 % of scan was reached ( my estimate is based on graphics ). He asked me to restart my computer so that he can start a new scan again. I followed his commands to start the scanning procedure as I did at the beginning. Then he told me that he just got good news from XXXX XXXX that she successfully secured {$3000.00} and is trying to secure more, but now he needs me to listen carefully and do exactly what he will request me to do. He said that it was essential for successfully securing the rest of my {$110000.00}. He asked me to give him the phone number of my portable phone because he will need to be in touch with me when I will be driving to get a security card ( which he later called a gift card ) of a XXXX store. He asked me to drive to XXXX, XXXX or a XXXX store and purchase at least four {$500.00} gift cards. He told me the reason was because these stores are part of a larger antifraud US operation for XXXX XXXX customers. He asked me to drive to the closest store ( drug store, or XXXX ) and purchase several gift cards each in a {$500.00} denomination. He told me to get as many of the gift cards as they allow. If they ask " why so many '', I was supposed to say for family reasons ( like wedding, Christmas ) but not to mention securing my money from fraud bank activities. He insisted to be with me on the phone all the time except when purchasing gift cards. My first attempt to purchase the gift cards was at XXXX pharmacy at XXXX XXXX, XXXX at approximately XXXX XXXX. However, both of the credit cards I used ( XXXX XXXX XXXX XXXX and Chase Freedom ) were rejected. This man on the phone concluded that I should call my bank to allow that purchase in another store. But instead, when I was driving to XXXX on XXXX XXXX, he called the Chase credit free toll number and asked me to identify myself and put me on hold. He later got back on the line with me and informed me that now I am allowed to spend {$6000.00}. ( I believed he had my credit limit increased. ) In the XXXX store I did purchase four XXXX gift cards, each of them at {$500.00}. After that, the man on the phone informed me that XXXX XXXX secured an additional {$2000.00} to my XXXX account but that was all she could secure. He then stated that we needed to secure an additional {$6000.00} and asked me to urgently tell him both identification numbers of each card which I just purchased. I gave the numbers to him and he said that numbers were valid and the only amount that remains to be secured is to get an additional {$4000.00} of XXXX gift cards from the closest XXXX store. At this point my wife had come after me, warning me to stop immediately because she said she was sure I was the victim of a scam. My wife took my telephone and ran to a nearby XXXX XXXX XXXX branch ( XXXX XXXX ). I followed and explained the situation to the bank manager. It was the managers unambiguous informed opinion that this was indeed a scam. I stopped panicking and finally realized I was a victim of a scam. Then, my wife drove me over to the nearby XXXX where they found that each gift card had a XXXX balance left within 15 minutes of my purchase. When I came home at XXXX XXXX my laptop computer showed the scan window and the extent of the scan : after more than 4 hrs it was 15 % ( the same as after the 20 min run ). Later in the evening my wife asked Chase credit card representatives why their security didn't stop a {$2000.00} XXXX transaction again as they did 30 minutes before in XXXX XXXX. They said that it was because I personally verified the transaction. I did not. It was not me who asked for this transaction to be approved ; it was the scammer. 2 ) Here is the description of why this charge should be removed from our Chase Credit Card bill : The security measures should have remained intact throughout the entire incident and should have protected me during my extreme distress and during the process of being a victim of this scam. But instead, Chase approved the purchase on this scammer 's request, allowing the scam to go through. Security was initially intact at the start when another credit card company stopped the first transaction attempt at a XXXX store. Chase also stopped the first transaction attempt at this XXXX store. However the security measures were released when the scammer then told me that he would get Chase to approve the purchase. He called Chase during which I was placed on hold and was only told to identify myself. He made the call himself and I was not able to hear his conversation. He added me to the call only to identify myself, including saying my mother 's maiden name. We told Chase that this incident is not within our normal spending pattern. And furthermore, that it is unusual to spend {$2000.00} in a drug store. ( XXXX later told us they never allow one person to purchase more than {$500.00} a day and that they always ask what the purchase is for because of the scams on gift cards. ) We were concerned that another person was able to make a call approving the four XXXX purchases. 3 ) Here is a description of Chase 's response to our complaint : We had several phone calls asking for the {$2000.00} charge to be removed. The reasons we gave are listed above. Chase said that this incident does not qualify as a dispute. After two hours of continually trying to reach a Chase manager, one manager agreed to remove the charge temporarily while the charge was looked into. Subsequently the {$2000.00} was put back as a charge because I had received a benefit ( see attached form letter from Chase ). However, the " benefit '' only occurred because the scammer was allowed by Chase to have the purchase approved, perhaps by increasing my daily credit limit. Note that I did not request that the purchase be approved or that my credit limit be increased. Only the scammer did. In fact I only spoke with Chase a few seconds and only to identify myself. If Chase had not approved the purchase, I would not have been able to buy the gift cards. | ||||||
| 05/01/2019 | Yes |
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Web | Older American, Servicemember |
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To.
Consumer Financial Protection Bureau Dear Madams and Sirs, I, XXXX XXXX XXXX am writing this office to request an Investigation into the reason why my Bank, JP. MORGAN CHASE, has managed to keep me from accessing my Online Checking Account by staging the debit card transaction to my account in the amount of {$160.00}, on XX/XX/XXXX and when I discovered the fraudulent debit to my checking account on XX/XX/XXXX I immediately contacted Chase and asked them to refund the money back to my account but at first CSR asked me if I gave my PIN to anyone, I told her yes, my daughter knows my PIN her reply was because I, had given my daughter my PIN that she could have made the charge without my knowledge I told the CSR my daughter and I live together she is my XXXX and has total charge of my affairs ; then the CSR said because the Chip was read that made it legitimate transaction and CHASE would not be refunding {$160.00} back to my account, I then explained to the CSR that the Chip could not have been read since the Card has been in my possession since XX/XX/XXXX, the last time I or my daughter was out of our Apartment and at an ATM, you need to have the actual Card for the Chip to be read, not just the PIN.
So, with that the Manager of CHASE BANK CS got on the phone and assured me that a temporary credit of {$160.00} would be placed back into my account and a claim id number given to me XXXX, while Chase Bank investigate the phony ATM debit to my Checking Account and advised me let them Closeout my present Card ending in XXXX and they would issue me a New Card numbers ending in XXXX and I needed to create a New PIN, she also told me she would have the new card expedited and sent out by XXXX, I should receive my New Card in 1-2 business days and that it be in my possession by Friday, XX/XX/XXXX. My New Card never come ; so, all of the XXXX Holiday weekend I was without access to my checking account and my money! So, Tuesday, XX/XX/XXXX Im calling CHASE BANK trying to find out why I dont have CHASE BANKING CARD, thats when the STONEWALLING, LIES and Veiled attempt to keep me from my money ; the CSR ON XX/XX/XXXX named XXXX XXXX, Sup. told me that the new card ending in XXXX was never processed so he would have to close it out and issue me another card ending in XXXX, expedite sending it by XXXX once again and I would receive it in 1-2 business days, by Thursday, XX/XX/XXXX, my card never arrived ; I called CHASE BANK once more asking CSR, XXXX XXXX, Mgr. where is my card, he said my could not be trace since XXXX did not give them a TRACKING NUMBER, I told him that I have been ordering online for over thirty ( 30 ) years and its been my experience that XXXX gets the Sender the Order NO., Item NO. Description, Quantity and Price but the TRACKING NUMBER is sent to the Recipient of the merchandise so that they will know the Time and Date of Delivery!
Its been two weeks now and I, XXXX XXXX XXXX am still without my CHASE BANKING CARD without a word from the Bank whatsoever on what action their taking to resolve my missing CHASE BANKING CARD problem, but its not like I can just walk into a JP. MORGAN CHASE BANK ; and order me a new card because there is no JP. MORGAN CHASE Branch down here in XXXX XXXX and they know that!
This isnt the first time that I have been deceive and betrayed by JP. MORGAN CHASE, on XX/XX/XXXX I went online to check my Checking Account Balance and discovered that CHASE had Re-Credited XXXX XXXX XXXX the {$1200.00} Retainer Fee for Moving us from XXXX, XXXX to XXXX, XXXX, this past XX/XX/XXXX to XX/XX/XXXX, WHEN THEY NEVER CAME TO MOVE US AT ALL, on the XX/XX/XXXX I filed a Fraud Claim against XXXX. XXXX XXXX with CHASE, Claim NO. XXXX, and received a Temporary Credit of {$1200.00} back into my account while they investigate the matter further, that was the last I heard from CHASE about my fraud claim, no correspondence whatsoever until XX/XX/XXXX, when I called the Bank to ask why they would give my hard earned MONEY back to those CROOKS, CHASE BANKs explanation was they found XXXX. XXXX XXXX to be creditable.
Moreover, as you will from the document that I have attached JP. MORGAN CHASE has always been complicit in the HARASSMENT of my daughter and me in keeping with the Constructive Eviction set against us by the City of XXXX, and the State of XXXX XXXX and now the City of XXXX, and the of State of XXXX XXXX as can see from the Notices sent to me about my missing bank card is worded like I requested a replacement card for one that I lost instead of the MISSING CARD JP. MORGAN CHASE is deliberately keeping from.
Please help me get access again to my money and JP. MORGAN CHASE needs to be taught a lesson, that just because youre a giant financial institution doesnt mean that you can just step on people and get away with it without paying any consequences ....
Respectfully submitted ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Home : XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX We're processing your replacement card request.
Inbox x Chase |
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| 09/14/2023 | Yes |
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| On XX/XX/XXXX I went into a local JP Morgan Chase Bank in XXXX, IL to make 2 deposits : one into my checking account with my husband XXXX XXXX XXXX and the other is joint account with my son, XXXX XXXX XXXX his XXXX account with the bank. I normally write out my checks at home with a security pen. But, this day I was rushing to run my errands. I have a lot on my plate : I am a recent XXXX XXXX survivor still under several doctors care and I've been taking care of my mother. Who is XXXX yrs old and a recent XXXX XXXX XXXX. She has been living with us since XX/XX/XXXX and she has health and mental health issues. My son was home for the summer from XXXX does not drive, though he's XXXX yrs old. I run everyone around and my schedule is tight. My husband travels for work. So, I was trying to run errands, when I came into my local Chase Bank to make deposits to our respective accounts. When it was my turn I asked the teller if she needed to see an id, because I was going to write out the checks in front of her and she said, " No as long as I used my debit card and entered the pin #, it would serve as my id. '' So, I wrote out my first check, XXXX XXXX for {$100.00} to be deposited into my son 's XXXX account. I am joint on this account with him. I signed and completed the check in front of the teller. I handed it to her and she took it away. When she returned she told me that I had to write out another check because I had mistakenly put pay to XXXX XXXX, but he wasn't presence to endorse the check. I acknowledged my mistake and I drew a line through his name and wrote my name XXXX XXXX instead for the deposit and initialed it. But, before I could endorse the back of the check the She stated that the check had to be VOID and rewritten. She stated that an initialed check was not allowed and I must rewrite a new check. I questioned this since I have previous work experience with handling money. I worked in a XXXX XXXX for XXXX XXXX XXXX in XXXX on XXXX XXXXXXXX in XXXX XXXX XXXX. There we did allow for initialed mistakes if the check was written in front of us, which I had just done with this teller. I also was a manager in retail for years including XXXX XXXX XXXX XXXX and several rXXXX XXXX At XXXX XXXX I was over the XXXX XXXX and once again we allowed for initialed mistakes to be corrected if the check was written in front of us with the proper identification. However, when I challenged her on this she started arguing with me. She even told me that she was doing me a favor because she'd been assigned to work the drive-through window that day, but came over to work the line down. I mentioned that I thought that I was at the usual secondary teller window, but that's when she pointed out that I was not. I was standing at a teller booth that's not usually open. So, I told her, " You are not doing me a favor. Because I'm going to another teller, because you and I are not on the same page. '' As I was leaving her window she yells out, " You're going to have to wait! '' and I responded that " I'd rather wait, then work with her. '' There was no wait. My new teller was available immediately. So I stepped up and and began explaining why I moved to her window and what I needed done. As I'm talking the teller I'd had problems with came over and interjected herself into my conversation and begins to argue with me. When I answer her back, She points her finger in my face and says, " That I had better stop yelling. '' I told her that I am not yelling and I immediately tell her to bring me the XXXX, because I am through interacting with her. The teller assisting me never said a word. The problematic teller goes over an grabs a woman, who has waited on me several times before as a teller. Now, this woman is presenting herself the manager. I'm stating that I was expecting a branch manager. I precede to relay what transpired. The woman listens halfheartedly and as I'm speaking the problematic teller interrupts me over and over. The " manager '' does not send her away or correct her behavior. The teller was very demonstrative and loud. I would call her behavior belligerent. No one apologized for her behavior. After speaking with the " manager, '' I complete my transaction and leave the bank. The 2 new checks that I had to write were check XXXX XXXXXXXX to my for my joint account with my husband for {$150.00} deposit. Account XXXX XXXXXXXX and to myself for my son 's account a deposit of {$100.00}, check numbered XXXX XXXXXXXX for XXXX ' XXXX account that I am also on. his account XXXX XXXXXXXX. The checks were written on my joint account with husband XXXX XXXX XXXX with XXXX XXXX ( XXXX ). He has had this account since XXXX XXXX. My Chase account is XXXX XXXX XXXX originally owned by XXXX XXXX, opened when I was XXXX years old. I am now XXXX yrs old. When I returned home I called the Chase XXXXXXXX XXXX and asked how I could file a complaint on the teller. The customer service Rep. Assured me that I could file the complaint with him and after taking down the details he promised that I would be hearing from the branch manager very soon. He also looked up the branch manager 's name, though he could not give it me and reported that the branch manager is not a woman but a man. I waited to hear back from branch manager, but after a week and a half. I returned to the bank only to be told that he was out and I was given his card : XXXX XXXX, Branch Manager, Vice President, XXXX ID : XXXX, at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The phone number is ( XXXX ) XXXX. I check my banking on-line everyday and on XX/XX/XXXX, I saw a check transaction written on my canceled check from that incident at the Chase Bank ( XXXX XXXX XXXXXXXX ) for {$900.00} paid to XXXX XXXX XXXX I immediately pulled my check register and verified that was our cancelled check and began trying to call XXXX XXXX. But, it was early they rerouted my calls several times to the wrong dept. So when my local XXXX branch opened I went in after XXXX XXXX. I was first assisted by XXXX XXXX ( XXXX ) XXXX, she then turned me over to XXXX XXXX, Retail Relationship Manager Banker, XXXX XXXX : XXXX XXXX XXXX, XXXX, IL XXXX. The phone for XXXX is ( XXXX ) XXXX. I've worked with the branch manager before so he came over and assisted as well, XXXX XXXX, Branch Manager, Vice President, XXXX XXXXXXXX. His phone number is ( XXXX ) XXXX. It was the branch manager who told me to contact your agency. We were told on our second visit that day, ( I returned with my husband XXXX XXXX ) since he's the primary on the account that the check went through. They had requested that I file a Police Report, so I went into my City 's police station ( XXXX, IL ). XXXX, XXXX XXXX of XXXX XXXX patrolman XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX me a case # XXXX. The phone number for XXXX is ( XXXX ) XXXX and the email for XXXX XXXX is XXXX They goggled the casino and it's located in XXXX XXXX, but XXXX and I were in IL in are XXXXty residence. They asked me if I had the cancelled check and I assured them that I would look for it. I found the check and photocopied the front and the back and sent the police dept. and XXXX. the bankers. If given the opportunity I can upload to your office this photo. It's as the day it was written only to be deposit to me into my joint account with my son XXXX XXXX for {$100.00}. Now, only 2 people handled this check, myself and the belligerent teller. I was never given her name but she is XXXX, a woman in her XXXX XXXX to early XXXX XXXX under XXXX '', with dark brown curly hair. XXXX skin, unsure of the eye color. I did not see any noticeable marking, tattoos, or piercings. and she was assigned to the Drive-through on XX/XX/XXXX at XXXX. My teller who completed my transaction is XXXX on XXXX # XXXX. I saved my receipts for both transaction. I need this investigated and I am willing to prosecute whoever is involved. We have had to close and reopen our account with XXXX XXXX at a terrible inconvenience to us. We did have to switch automatic pays to various companies at some expense to ourselves, since all fees were not waived when transactions did not go through, though our bank tried to catch most of them. They weren't all caught. I also feel that my accounts with JP Morgan Chase have been compromised as well if this is an internal issue. I can only say this check was handled by myself and the teller who's schedule and name should be easy enough to locate at that bank since there are two women who witnessed her speaking to me. The teller who completed my transactions and the " manager '' she used to represent management that day. I have followed up my local Police Dept and because this all occurred over a holiday weekend things have been moving slowly. but, I need answers. I feel my accounts at both baks have been exposed. Thank you for any assistance you can give me. | ||||||
| 10/21/2020 | Yes |
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| On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXXXXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed XXXX of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I googled the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, ONE DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING! | ||||||
| 10/21/2020 | Yes |
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| On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXX XXXX He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed XXXX of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I googled the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you XXXX PHONE NUMBER, XXXX ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, XXXX DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING! | ||||||
| 12/24/2019 | Yes |
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| I possess a JP Morgan Chase Bank Visa card that was opened in XX/XX/XXXX by my spouse. I have not used the card in many years. It was my understanding that while I was an authorized user of that card I do not recall ever applying for or ever signing up for that card. My husband applied for the card and his recollection is also that he added me as an additional or secondary cardholder. At no time have I authorized or agreed to be responsible for the card or payment. Below is the definition that I have found that seems to be the industry wide definition for an additional, authorized, or secondary account holder. An additional cardholder is an authorized secondary user added to an account by the primary cardholder. The additional cardholder generally gets to enjoy all the benefits of a debit or credit card account without any liability which remains the responsibility of the main cardholder. Additional Cardholder Definition - XXXX This past XX/XX/XXXX, when checking my credit report, I saw that Chase had me on that card as a joint owner. This was a mistake. I went to my local branch and asked the banker there if she could help me resolve this. She said that card services were a different division but she offered to call them for me and she put me on the phone with them. I told them that I do not believe I signed up for that card as a joint owner and asked them to provide me with a copy of the application with my signature. They said that since it was older than 7 years they would have to find the paper copy, which was kept in storage, and I should give them 15-30 business days. After waiting six weeks and not receiving it, I found a form in my online banking platform where you can request a copy of your credit card application and I submitted that. I also called them the next day, and they said we will look into it and send it to you. Give us 7-10 business days. I said I have already given you over 45 business days and the reply was still oh so sorry give us 7-10 business days and we will mail it. I waited some more, called back and was told it is in the mail. I still did not receive it. I went back to my local branch and another banker called them on my behalf. He told them the story, and they told him they are looking at the account, they see me as a co-owner, and they will mail me the document that I was asking for give them 7- 10 business days. About a week later I received a letter saying that my request could not be completed because I either made my request online, in person or on the phone ( all methods that they seemed to support ) and that I did not sign a form requesting it. They had never, either on the phone, when I was there in person, or on their own online form, asked for a signed paper form. On XX/XX/XXXX I called again, asked for a manager and was transferred to another " customer care specialist ". I repeated the story and she said, I am looking at your account and you were put on the account as a secondary account holder. I will send you the document- give us 7-10 business days. I waited a week and after still not receiving it, called yet again. I called the customer care specialist department again- they had all of the notes from my calls thus far and this time put me through to the fraud department. This time I was told again that-yes, they are looking at the account and I was put on as a secondary account holder. I said, Well that is the same as an authorized user according to every definition and every credit card issuer in the world and I want to be taken off the account. I was told that Chase has their own definition of secondary account holder. Their definition is that the secondary account holder can not use the miles for airline tickets, will not receive any correspondence, will not get any end of year statements or monthly statement. Given that, the secondary account holder can not monitor the account and so does not know what is being charged and if the card is being paid in full at the end of every billing statement, can not freeze the account or close the account, and so even if the balance is not being paid could only helplessly watch the balance ratchet up but could do nothing to stop it, can not take themselves off the account, but is equally responsible for the bill. Nevertheless, I said again that now I wanted not only the document with my signature showing that I applied for the account but also the document - with my signature - spelling out the unique definition that Chase bank has for a secondary account holder and that I agreed to it that the only privilege I would have as the secondary account holder would be the responsibility of paying the bill for a card that I would have no way to freeze, close or control, or knowledge of what was being charged to it. Around XX/XX/XXXX I called them again and was told once again that the document is in the mail as of XX/XX/XXXX. I told them that I did not receive it and that it has been over six months of them first telling me that I am a co-owner, then telling me that I am a secondary card holder but with their own definition of that, and telling me that they can not complete my request for the document and also that it is in the mail. I said that at this point I am tired of being given the run around by Chase and that I had consulted some lawyers who advised that I file a complaint with the Consumer Financial Protection Bureau. When they heard that, I was told that it would be escalated to the Chase executive division and I should wait to hear from them before filing the complaint. I waited a week and got a voice mail from a XXXX XXXX ( he told me his last name by accident they are only supposed to give first name last initial but he slipped and told me his last name. I am wondering why a huge company like Chase would tell their employees not to give out their last name if they were acting in a fair, honest and ethical manner. I have worked for many large companies and have never been told not to give my last name when asked. ) After he did not return several phone messages from me I left one saying that if I did not hear back from him I was just going to go ahead and file my complaint with CFPB and he called me back immediately. I repeated the whole story to him and he said he would look into it. A week later he finally got back to me and said that they did not have any application, contract or document from me despite the fact that they had told me three times that it was in the mail but that they would not take me name off the account. One of the reasons he gave as proof that I was responsible for the card was that they had my social security number even though if I had been added as an authorized or additional card holder which is what believe I am - they would have my social security number given the process and definition of how an additional card holder is added : He then said that he had found some old statements that had been sent to the primary account holder and he offered to send them to me now. I replied that they would not do me any good now. His last defense was that starting in XX/XX/XXXX they stopped sending monthly statements anyway and they then started sending estatements to the primary card holder. I replied that that just reinforces my argument that I was not given any information regarding the account since they did not send estatements to me in the same way that they would not send estatements to an authorized or additional account holder. I asked again how can they say that I am responsible for paying the bill on this card when I have never been sent a statement of any kind. His final answer was that he would make a note that I do not agree with their conclusion. To summarize, Chase was not being truthful when they said I was either a co-owner or an additional or secondary card holder as both of those can not be correct, Chase was not being truthful when they said they could not honor my request because I asked for the document on their online platform, over the phone when they willingly spoke to me and when I asked in person when they willingly attempted to help me, and then when they also said the document was in the mail and then finally admitting that they do not have the document at all. All of those things can not be true. I believe that in order to hold me liable for this card as a co-owner Chase needs to provide me with a document with my signature showing that I either applied for that account as a co-owner or that I was added as an additional or secondary card holder and agreed with their specific definition of a secondary or additional account holder- their specific definition being that I would have no access to information about the account, could not close or freeze that account, but would be responsible for paying the bill for that account. | ||||||
| 10/21/2020 | Yes |
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| On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the Chase Executive Offices on XX/XX/20 at XXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed one of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a Chase number. I still have the voicemail to verify the number that he left for me to call. So eventually, I XXXX the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any Chase banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the Chase located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my Chase Freedom Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical Chase employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called Chase and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, ONE DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING! | ||||||
| 04/12/2023 | Yes |
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Web | Servicemember |
| Need to file dispute for two sperate charges from XXXX XXXX XXXX XXXX. {$850.00} posted XX/XX/XXXX and {$1300.00} Posted XX/XX/XXXX. Series of events : XX/XX/XXXXXXXX XXXX XXXX, we attended a dune tour in XXXX XXXX CA with my family at XXXX XXXX XXXX tours. We signed rental agreements with merchant that did not have the numbered information that it has now and a huge premise for the given dispute. I have just ( XXXX, XXXX, XXXX ) received correspondence of provided information sent to Chase by this merchant in the mail postmarked XX/XX/XXXX. The data provided is not in full context and the damage information is vague, unexplained, confusing and the figures were NOT written in when rental agreements were signed. These figures were never discussed with me as a customer. Upon the completion of the tour, we were asked to provide a positive XXXX review for a t shirt. no damages or issues occurred within the rentals and the merchant provided no feedback at the conclusion of the tour to anything that needed repair. NO ISSUES. There was a {$1500.00} deposit made for all equipment to be covered in case any damages were discovered on and/or directly after the tour. Statements are clear in account history that the deposit was made and then an amount of {$1200.00} was Returned on XX/XX/XXXX by the merchant. The amount of {$290.00} retained by the merchant was explained over the phone on that same date for a " roll over policy '' and I agreed that it was a fair charge for my XXXX XXXX XXXX tipping the ATV while riding. EVEN though NO damage was seen. I specifically asked the merchant if everything else was square and he said that we were all good to go and hope to see us again. XX/XX/XXXX. I received a strange text from XXXX XXXX XXXX tours ( attached screenshot ) that stated XXXX XXXX, XXXX XXXX XXXX tours here. Thanks for taking care of that XXXX XXXX symbol much appreciated. It was at this point that I called and couldnt get a hold of the merchant over the phone. It was confusing to say the least as I had no clue to what the text was referring to. I immediately logged onto chase mobile and noticed the 2 charges in dispute, one that had already posted in the amount of {$850.00} and another charge that was pending of {$1300.00}. Not one time were these charges discussed with me by email, text, or phone conversation. I reached out numerous times over the phone that day and texted that I wanted to receive the correspondence that related to these charges to my XXXX account. Needless to say, this email never occurred. I reached out a few more times before receiving a voice message on my phone that was very unclear and slightly threatening. The merchant had said something about collections and getting ugly and sick really fast. XX/XX/XXXX, continued. I notified chase customer service about the two charges that had happened. I was referred to dispute team and I explained that I was not physically there for the two charges and did not authorize them. NOT VALID. They then referred me to another department that cancelled the charges and the card and sent us a replacement. I was informed that these charges would not be my responsibility as a customer and were unauthorized charges made against our credit card. XX/XX/XXXX. My wife was going to make a payment on our credit card and noticed both charges had been reinstated onto are account. Chase did not contact us by phone, email, text, or mail as to why these charges were once again upon our account. I called customer service to investigate the issue and was informed that the merchant had sent a memo of rental agreement and a damage report. I advised the agent that I had still never received any of this from the merchant and wanted to know why I was not contacted about this correspondence being available. The agent told me that the charges were valid, and I had to take my case to the merchant. I informed the agent that I had tried to get in touch with this merchant multiple times and never had any luck in doing so. We are now over 2 months removed from our tour and business transaction and we were back to square one. I asked to speak to a supervisor and once again she told me that I needed to talk to the merchant. At this point I ended the phone call. I called back and talked directly to the fraud department after that. When I spoke to the fraud agent, they informed me that the correspondence that the merchant sent was justified and that they would send me a copy in the mail. XX/XX/XXXX. Still awaiting correspondence. Credit score dropped by the end of statement due to the charges brought back into account. I contacted customer service once again over the phone to get an update. They were unaware of what to do and wanted to transfer me to fraud department again. I refused and asked to speak to a supervisor. A service supervisor came onto the phone and listened to the long story of where we are now in this journey. She then informed me that I needed to talk to the dispute department about the transactions. I informed her prior to the transfer of the call that this is the department that started it all and gave me the run around to the other departments from the very beginning. My call was transferred, and I began conversation with a dispute representative. I immediately asked for the assistance of a supervisor due to the phone run around, lack of communication, overall confusion, customer dissatisfaction, and unresolved account issues. This was the end of the line for these dealings. The supervisor came onto the phone and explained the chase system of dispute. She explained that I needed to write a message on the chase website and submit for dispute to handle the transactions. XX/XX/XXXX. I finally received the correspondence that Chase had received from the XXXX XXXX XXXX tour merchant. After review I can confirm that this information of charges was not present on these forms and were signed prior to the tour. There are notes of the {$850.00} and that the charges were texted ( FALSE ). There is another note about this invoice being emailed. ( FALSE ). These numbers and figures jotted down are unclear, and disorganized and do not clearly state any clear damage to any of the rentals and were never discussed with myself or any of my other family or friends on site on XX/XX/XXXX. I have two other witnesses that can confirm the same claim. Additionally, the time says we ended at XXXX XXXX. We were still on the tour until XXXX XXXX. I distinctly remember this due to calling my wife as soon as we got to the facility to let her know it was done. No figures of damage or repair were reported to us at the facility, after the tour and especially not by XX/XX/XXXX, when the first charge happened. When there is a {$1500.00} deposit sent back in the form of {$1200.00}, business was concluded XX/XX/XXXX. The transactions that occurred after XX/XX/XXXX were done so without verification, notification and without damage. Damage was not present on any of our rentals upon conclusion of the tour and there was never any discussion of damage to any of the vehicles. no pictures, no proof, no nothing. Once again, even when asked for correspondence to be sent to my XXXX account on XX/XX/XXXX, I got absolutely nothing from this business. I have even attached multiple XXXX reviews on this business in reference to the same issues that I am experiencing. There is even a review that mentions how this company has changed their name in recent history due to negative reviews. Additionally, I have sent snap shots of the only text conversations that were had with myself and still have the threatening audio voice message from the merchant saved to my phone. Between the bad experience with the merchant and now going through nearly 3 months of conflict internally with Chase, this has taken a toll, not only on the credit score but on our livelihood. Things from the beginning have been handled irresponsibly, with little to no care, insufficient feedback and overall poor service. I have been dissatisfied multiple times with the way these transactions have been handled and hope that the dispute team takes these issues serious and handle them professionally for myself, the customer. It has been a long road to say the least and look forward to working with the dispute team to put the shady transactions against our card to rest. I attempted to do as instructed with this message and send it as a dispute through the messaging system as instructed by a dispute supervisor. After going through the system to do so, all it did was lead me to a page that told me to call customer service. Just another roadblock in our process. I am a good paying customer... GREAT credit history. I deal with other banks that are TOP NOTCH. Chase has been HORRIBLE. They do not care. | ||||||
| 09/11/2019 | Yes |
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| There was a fradulent fale stop payment made by XXXX XXXX of XXXX XXXX. On or around XX/XX/XXXX 2019- XX/XX/XXXX2019 that must be put into investigation and my account re credited for this error. This is the actual receipt of the XXXX ice maker inside the False stop payment XXXX refrigerator. It was manufactured in XXXX of 2019.I showed images of the box it came in with serial number above. Services Received By The XXXX XXXX XXXX Bank XXXX XXXX XXXX. 1 Brand New XXXX XXXX XXXX maker. total assembly with warranty that can be verified. Part Inquiring Service on the phone 20 minutes on Hold putting part on will call Part Expedition Service Receiving Part Same Day Service Fee Part Purchasing No Deposit given Part Picking Up Requires Driving to The Supply Location ( Time, Driving Part Correct Part Confirmation Testing New Part Service Part Transporting From Supply house To Customer Service address, Service Fee Old Part uninstall removal Service fee New Part Install Removal Service Fee 2 Service Calls fee Ice maker adjusting and then unadjusting service fee Saturday Service Weekend fee nd I still kept it within the Original quoting Everything was done to the highest grade of competency. I tested the water supply to the ice maker verified water supply and water dispenser. I replaced the old ice maker with a brand new XXXX ice maker that was tested before installing gave him a 25 day warranty on labor and 1 year warranty on the part. He had inconsistencies with the electrical breaker and receptacle. I told him to hive a residential electrician analyses and correct any non grounding and short issues and also to child proof any receptacles around the interior of building but he didnt. He dishonestly files a stop payment with an intent to defraud.You dont stop payment because you dont want to understand. he kept requesting a new Ice maker so he got what he asked for same day. And then he stops payment.Obviously he doesnt know what he is talking about. Or else he would have fixed the issue himself. This is a bank error on Chase bank and this false illegal stop payment requires reversal and fees put back into XXXX XXXX account in the total of {$270.00} requires reversal being removed from XXXX XXXX account hes a defrauder and he abused and co conspired the bank so underhandedly and this checks holder be put on XXXX so he cant do these defrauding things any longer. Because making Chase bank aware of this with undisputed burden of proof evidence and they dont follow the regulation of Regulation E, FDIC, EFT, will put the bank in illegal circumstances. This matter is to be put into investigation. We require response to the matter with 7 days. Electronic Fund Transfer Act In 1979, the Electronic Fund Transfer Act ( EFTA ), also known as Regulation E, was implemented to protect consumers when they use electronic means and check are also covered to manage their finances. Compensation for Violations of the EFTA Electronic funds transaction act. If a financial institution breaks laws established by the EFTA, you may be able to sue for damages in court. Thats if they refuse to credit the money back or correct an error. You can also sue if they fail to prevent a transfer when you reported the lost or stolen card and told them to freeze the account. Youre entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees. I have rendered the service based on agreement, and I am entitled to that money. The demand letter in this complaint Chase bank can not say they did not receive it. Requesting a demand for payment the fraudulent stop payment within 7 days or you will file in the small claims court. As per FDIC Rules and Regulations : SECTION 1005.11 PROCEDURES FOR RESOLVING ERRORS 5. Discovery of error by institution. The error resolution procedures of this section apply when a notice of error is received from the consumer, and not when the financial institution itself discovers and corrects an error. 11 ( c ) Time Limits and Extent of Investigation Supplement I to Part 1005Official Interpretations SECTION 1005.2 DEFINITIONS 1. Fund transfers covered. The term " electronic fund transfer '' includes : v. A transfer via ACH where a consumer has provided a check to enable the merchant or other payee to capture the routing, account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed ; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT ; or whether the check is retained by the consumer, the merchant or other payee, or the payee 's financial institution. Supplement I to Part 1005OfficiaXXXX Interpretations Investigations. SECTION 1005.2 DEFINITIONS 11 ( d ) ( 2 ) Debiting Provisional Credit 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. 2. 1. Notice to consumer. Unless otherwise indicated in this section, the financial institution may provide the required notices to the consumer either orally or in writing. 3. 2. Written confirmation of oral notice. A financial institution must begin its investigation promptly upon receipt of an oral notice. It may not delay until it has received a written confirmation. 4. 3. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the financial institution may not impose a charge related to any aspect of the error-resolution process ( including charges for documentation or investigation ). Since the Act grants the consumer error-resolution rights, the institution should avoid any chilling effect on the good-faith assertion of errors that might result if charges are assessed when no billing error has occurred. 5. 4. Correction without investigation. A financial institution may make, without investigation, a final correction to a consumer 's account in the amount or manner alleged by the consumer to be in error, but must comply with all other applicable requirements of 1005.11. 6. 5. Correction notice. A financial institution may include the notice of correction on a periodic statement that is mailed or delivered within the 10-business-day or 45-calendar-day time limits and that clearly identifies the correction to the consumer 's account. The institution must determine whether such a mailing will be prompt enough to satisfy the requirements of this section, taking into account the specific facts involved. 7. 6. Correction of an error. If the financial institution determines an error occurred, within either the 10-day or 45-day period, it must correct the error ( subject to the liability provisions of 1005.6 ( a ) and ( b ) ) including, where applicable, the crediting of interest and the refunding of any fees imposed by the institution. In a combined credit/EFT transaction, for example, the institution must refund any finance charges incurred as a result of the error. The institution need not refund fees that would have been imposed whether or not the error occurred. 8. 7. Extent of required investigation. A financial institution complies with its duty to investigate, correct, and report its determination regarding an error described in 1005.11 ( a ) ( 1 ) ( vii ) by transmitting the requested information, clarification, or documentation within the time limits set forth in 1005.11 ( c ). If the institution has provisionally credited the consumer 's account in accordance with 1 9. 10. SECTION 1005.2 DEFINITIONS 11. 11 ( d ) ( 2 ) Debiting Provisional Credit 12. 1. Alternative procedure for debiting of credited funds. The financial institution may comply with the requirements of this section by notifying the consumer that the consumer 's account will be debited five business days from the transmittal of the notification, specifying the calendar date on which the debiting will occur. Deceptive Trade Practices Act : XXXX XXXX has violated this law : he has violated this law. the price paid is substantial evidence to support that he asked how long was the warranty? because he knows it is brand new period. He still has this stolen property in his possession. I may also recover up to three times damages, he knowingly commited this fraud and implicated the bank in the process. California Business & Professions Code 17200 prohibits any unlawful, ... [ A ] ny unlawful, unfair or fraudulent business act or practice is deemed ... section 17200 common law fraud or deception. | ||||||
| 03/25/2021 | Yes |
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I've outlined my complaint to the bank below. Despite a flurry of activity from the " Executive Office, '' we have yet to see any useful information five days later.
-- -- -- -- - Forwarded message -- -- -- -- - From : NAME Date : Sat, XX/XX/2021 at XXXX XXXX Subject : Complaint with home lending process To : XXXX Dear XXXX XXXX : I am writing today to express my profound disappointment in your home lending program. Two weeks ahead of our closing, we find ourselves at a standstill in your lending process and scramblingto secure financing elsewhere. From my vantage point, this predicament can be attributed to your bank 's failure to communicate in a clear and timely fashion. As a result, we are likely to incur thousands of dollars in added expenses to the cost of our home loan. I'm sure you can understand why this would be extremely frustrating.
Your sales process gave us the false assurance that our account would be handled with respect and urgent attention. To say that our service experience has fallen short is an understatement. It's almost as if it's been managed by an entirely different institution.
Here 's a high-level summary of our interactions leading up to and following the signing of our lock-in agreement and receipt of our conditional approval letter on XX/XX/2021.
1. During pre-qualification, we were advised that the bank did not require an appraisal. This decision raised our curiosity and concern, so we asked our Home Lending Advisor for the reasoning. He explained that XXXX XXXX was not requiring an appraisal. I am noting this decision because it has implications that surfaced on XX/XX/2021.
2. After the signing of our application package, we received notification that our account service was transitioning from our Home Lending Advisor to our Client Care Specialist. We received our first introduction to her via an email on XX/XX/2021. She asked that we submit an outstanding W2, which we uploaded on on XX/XX/XXXX. We sent a notification to our Client Care Specialist via the portal, which is positioned as a method for communicating with the account team.
3. On XX/XX/XXXX, we received the following message from our Client Care Specialist. We presume -- but never confirmed, because we never again heard from this person -- that she was asking for the W2 that we submitted on XX/XX/XXXX. We placed calls and emails to her in hopes that we could reach her before the start of her vacation, given that we had a goal to secure our final approval by XX/XX/XXXX. Those inquiries went unanswered.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX, XXXX XXXX Date : Thu, XX/XX/2021 at XXXX XXXX Subject : RE : Chase Loan To : Cc : Hello NAME, I wanted to reach out and give you a quick heads up, I am taking along weekend starting in a few hours and I wanted to make sure you had my coverage contact. I am back in on Tuesday but the sooner we are able to get you submitted the less days we miss to get your final approval. I have included her in this email and her contact is below, as well.
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| 02/14/2018 | Yes |
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| Took ownership of lack of account monitoring and Asked to split XXXX holiday fees due to hardship. XXXX XXXX and four weeks XXXX, a late financial stipend for XXXX school, XXXX of grandmother, family estate hijacking, loss of fiancee XXXX services due to conservative cuts, and more compounded to where I was not able to keep up with this secondary account for XXXX fiancee. Account Chase XXXX XXXX. XXXX, and XX/XX/XXXX total fees {$3500.00} XX/XX/XXXX fees $ 2500ish XXXX XX/XX/XXXX and XX/XX/XXXX {$1200.00} XX/XX/XXXX and part XX/XX/XXXX $ 600ish Courtesy compromise by bank {$100.00} still leaving account -240ish Emails : Date : XX/XX/XXXX XXXX From : Chase Online Subject : We're confirming that you declined Chase Debit Card Coverage for your checking account Message : We appreciate your business and are writing to confirm that you do not want us to authorize everyday debit card transactions when there isn't enough money available in your account. Your decision is effective as of the date of this letter for your checking account ( s ). Please review the changes made to the following account ( s ) : TOTAL CHECKING ... XXXX - No, Opt-out. Date : XX/XX/XXXX XXXX From : Chase Online Subject : Re : Service Fee Inquiry Message : Hello, XXXX. were sorry you have been experiencing these difficulties. XXXX, we're not refunding the fees because your account has already reached the maximum for fee refunds. We can help you avoid fees like this in the future. Account Alerts ( 1 ) will warn you when your balance falls below a certain amount or when your account is overdrawn. You can receive Account Alerts via email, text message or push notifications through the Chase Mobile ( R ) app ( 2 ). ( 1 ) Account Alerts : There's no charge from Chase, but message and data rates may apply. Alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider ; technology failures ; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions, including recent debit card transactions or checks you have written. ( 2 ) Chase Mobile is available for select mobile devices. Download the Chase Mobile app or visit chase.com to enroll. There's no charge from Chase, but message and data rates may apply. We appreciate the opportunity to help you with your request. We value our relationship with you and thank you for choosing Chase. Please contact us anytime if you need assistance. Thank you, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX :XXXX ACCOUNT NUMBER : NAME : XXXX XXXX XXXX CUSTOMER USERTYPE : PR CUSTOMER TYPE : PER CUSTOMER DOMAININDICATOR : COL SITE : XXXX XXXX SEGMENT : POH CATEGORY : Re : Service Fee Inquiry PRODUCT CODEXXXX SUB PRODUCT CODE:XXXX " that's why we remove fees during unforeseen circumstances '' I didn't have any removed due to my emergency medical which is why I asked. Thank you for the apology but the {$1200.00} holiday fees were not removed that I requested hardship consideration. -- -- -ORIGINAL MESSAGE -- -- - Hello, XXXX XXXX . Thank you for contacting us. We understand how you feel about these fees, that's why we remove fees during unforeseen circumstances. XXXX XXXX, while we are not able to provide you the resolution that you expected, please know that your satisfaction continues to be our topmost priority. We are continually working to improve our products and services to meet our customers ' needs. We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. Please contact us anytime if you need assistance. Thank you, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CIGPROFILEID :XXXX ACCOUNT NUMBER : * NAME : XXXX XXXX XXXX CUSTOMER USERTYPE : PR CUSTOMER TYPE : PER CUSTOMER DOMAININDICATOR : COL SITE : XXXX XXXX SEGMENT : POH CATEGORY : Re : Service Fee Inquiry PRODUCT CODEXXXX XXXX PRODUCT XXXX I appreciate the {$100.00} of {$1200.00} that I was looking for half $ 600ish but I understand as a manager you may not have that call. Considering after just now totaling her account with total fees equal to -XXXX ( you offered 3 % compared to my 16 % hardship request ). Being a manager, I reviewed the math to understand your courtesy. total XXXX % XXXX XXXX % XXXX 2 months $ XXXX % Comparatively my 600 requests for half 1/ ( XXXX 2 months ) based on hardship , Does seem high. total XXXX % XXXX XXXX % XXXX 2 months $ XXXX % I rarely trust my perspective, so I will ask my colleagues to confer tomorrow. Unfortunately, I believe 8 % of the {$1200.00} is not enough to appease my better-half, I will go into my local branch and close the account instead ; but if my friends tell me that is fair, I will reconsider. Again, thank yours for your help and sorry to be a pain. Thank you, XXXX XXXX XXXX -- -- -ORIGINAL MESSAGE -- -- - Hello, XXXX . Thank you for contacting us. I regret the circumstances that prompted you to contact us and are sorry to hear that you are experiencing difficult times. I understand your request for the petition of assistance for your joint account ending in XXXX. I will look into these fees for you. XXXX, we reviewed your account and we're giving you a courtesy refund for a {$100.00} in fees on XX/XX/XXXX. For further assistance with the other fees, please visit us at any of our branches. You can save time by calling your branch to schedule an appointment with a banker. Find the phone number by searching under ATM & branch on chase.com. Without an appointment, you may have to wait for an available banker. If you need any other help, you can send us a secure message. We appreciate your business and thank you for choosing Chase. Sincerely, XXXX Chase Email Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CigProfileId:XXXX NAME : XXXX XXXX XXXX CUSTOMER USERTYPE : PR CUSTOMER TYPE : PER CUSTOMER DOMAININDICATOR : COL SITE : XXXX SEGMENT : POH SOURCE : COL Message Center CATEGORY TYPE : Service Fee Inquiry DOMAININDICATOR : COL ATTACHMENTSIZE:1 XXXX PCUSTSEG : POH PRODTYPE : RBG SMPODID : XXXX SERVICE FEE DATE:XX/XX/XXXX SERVICE FEE AMOUNT : {$1200.00} TYPE : PER ACCT TYPE : CHK This petition of assistance is about my joint account with my fiance XXXX Bank Account No. XXXX.Due to a variance in available cash, I have reviewed the report for XXXX, XX/XX/XXXX, and YTD : XXXX XXXX XXXX I noticed the high change at XXXX. It appears our most significant present was for - {$1200.00} in a dominoes of overprotection fees. First, I take full responsibility for these charges because of the hardship of finishing my XXXX in XXXX XXXX, family estate hijacking from my grandmother s XXXX in XX/XX/XXXX, and unexpected XXXX XXXX in XX/XX/XXXX. Because of this, I was unable to finish school on time, return to work, or regularly review my wife 's account. Until school is finished in six weeks, the chase account is my secondary to my XXXX work and school stipend checking accounts for me to review. To complicate matters, My fianc is a XXXX and works for the XXXX XXXX XXXX XXXX concerns she has the added concern of XXXX which necessitates quite a few meds which can be challenging to routine financial matters. She is very busy, and I have not kept up with the account like I should have. This letter this letter is to mitigate my damages before approaching her she tends not to be tolerant of waste but as this account shows in a lack of refunds or calls or anything we tend not to complain. She will be pleased if I tried to resolve this matter in her favor. Considering XX/XX/XXXX XX/XX/XXXX total half of the entirety of XX/XX/XXXX please this appears to be unusually high for her is there any way that you would consider the idea splitting XXXX XX/XX/XXXXholiday fees with me of {$1200.00}? Thereby refunding {$600.00} and putting the account positive. This mitigating act would allow me to retain the account for myself to invest in after graduation. approx {$2500.00} for XX/XX/XXXX, and {$570.00} for XX/XX/XXXXyear today. I want you to know that your services and tools or fantastic and enabled me to review the account very quickly. I hope this sounds reasonable and I have taken steps for this not to happen again with the XXXX account which seems to be the primary variable. Thank you for your time I appreciate it more than I can tell you. {$1200.00} dollars in fees from holidays waived. tHE ACCOUNT SHOWED that XXXX had been removed this morning then it was back a few hours later, I told my XXXX fiancee they had been removed and now have to say they changed their mind. account went XXXX posi | ||||||
| 04/21/2022 | Yes |
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| This is in regards to Chase 's case number XXXX. On XX/XX/XXXX, I received a phone call whose number was XXXX, registered in my contacts as the phone number of Chase Bank Customer Service. The person on the line said he was a representative of Chase and told me that, due to suspicious activities, they were going to proceed to change my account number by closing my account and opening a new one. He said the process could take about a week because it was a large amount and that I would be receiving automated emails regarding the new bank account and transfers. They were going to call me again to begin the process. On the call back, the person claiming to be the representative asked me to confirm my identity by providing my zip code and date of birth. On XX/XX/XXXX, twice on the XXXX, and again on the XXXX, he called again to provide updates that the process was still underway. Every call appeared on my phone log as the Chase Bank Customer Service number. On XX/XX/XXXX, I saw an email about a money transfer having been initiated on my account. While the supposed representative told me I would be receiving emails throughout, I decided to call Chase immediately to verify if this was legitimate and for an update on the new account. When I asked the Chase representative for an update on the new bank account she said there was no new bank account being closed or opened. The representative then asked if I had initiated a wire transfer as there was one pending. I let her know that I had not initiated nor authorized any funds transfer. That is when the representative explained to me that someone fraudulently withdrew funds from my account. I then asked for the wire transfer to be cancelled or stopped. She tried to transfer the call to the claims department, but the department was closed. She suggested I visit a local branch the next morning. On Tuesday, XX/XX/XXXX, I visited my local branch office in person and spoke to the branch manager. Upon reviewing the account, we discovered the fraudsters had withdrawn {$9500.00} on XX/XX/XXXX, {$8800.00} on XX/XX/XXXX, and another {$9500.00} on XX/XX/XXXX by logging into my account online. Each transfer, which totaled to {$27000.00} appears on our statement to have been sent to an account in XXXX, Florida with XXXX Bank. At no point, on any of those dates, or on the calls with the scammers did I explicitly authorize any of these transfers. We were advised to file a police report and to provide a written statement of what occurred so that Chase can open an investigation. The Chase representative at this branch then closed our account and opened a new account where she transferred the remaining funds. I then asked how they can prevent this from happening again with the new account. The representative informed us that they would lock or restrict the mobile banking and online banking access to our account. Within the next few days, we filed a police report. We were informed by police that scammers have begun cloning phone numbers, which we were not made aware of by Chase. We then searched online and found many cases in which other unsuspecting Chase customers had their money wire transferred our after receiving phone calls from scammers who cloned their Customer Service number and were posing as Chase representatives. In these cases, we became aware that Chase would refuse to credit their customers until media, reporters and journalists got involved. We then returned to Chase with our written statement, documents supporting our case, and the police case number to submit to Chase so they can open the investigation. We were told the investigation could take 30 to 90 days. Almost two weeks later on XX/XX/XXXX, the new bank account was hacked and the fraudsters wire transferred {$22000.00} out of the new account. There was no communication with the fraudsters this time. Once again our online banking account was compromised after we were assured it would be locked. We returned to Chase, devastated that almost all of my life savings had been wiped out in a matter of weeks a total of {$49000.00}. We had to once again file a police report and a new written statement for Chase to initiate an investigation. At this point, we lost all of our trust in banking with Chase. We withdrew our remaining money as a cashier 's check but kept the account open pending the investigation. During the investigation, it became difficult to obtain updates from Chase Bank via the phone number we were provided and resorted to visiting the local branch at the height of the XXXX strain of the COVID-19 pandemic in XXXX, Florida. In XXXX, my daughter used social media to raise awareness to our situation and in hopes that we would get the attention of Chase Bank. Their social media team reached out to her and we were advised that a member of the Executive team would be in contact with us shortly. The Executive team member phoned me and assured us that he would help, he would be reviewing the case, and be providing updates throughout. The following week, I called to ask for an update and the Executive relayed that the investigation would take some time as he was new to the case. I decided to remain patient. In XXXX, I was then informed that I would be credited the {$22000.00} that was transferred out of my account as my request to deactivate my online banking account was not completed. The first investigation for the fraudulent wire transfers in XXXX, however, was still ongoing. The {$22000.00} was credited to my account on XX/XX/XXXX. In XXXX, we received a phone call and a subsequent letter dated XX/XX/XXXX, that the claim for {$27000.00} for the fraudulent wire transfers from XXXX were denied as we gave a third-party access to personal information. They claim to have no recovery rights for scam situations and that they did us a courtesy to try to recall the wire transfers. Under Chase 's own terms for privacy and security, ( https : //www.chase.comXXXX XXXX, it states " When you sign in for the first time or with a device we don't recognize, we'll ask you for your username, password and a temporary identification code, which we'll send you by phone, email or text message. Once you give us the identification code, we'll sign you securely into your accounts. '' We did not receive a request for the username, password, or identification code even though hackers were signing into our online banking on other devices. Also, under Chase 's own terms for privacy and security, it says, " We monitor your chase.com profile to help us detect fraud as early as possible. We might call you if we notice a change in your online activity ... '' It should have been suspicious for Chase that 3 wire transfers were initiated amounting to almost {$10000.00} each within a week when i never even initiate wire transfers. It also states, under Chase 's privacy and security, that they " use XXXX encryption technology to protect your username, password and other personal account information when you're using our site or apps. '' Their technology failed to safeguard my personal account information when hackers used their site or app to access my account. Under Chase 's Deposit Account Agreement from XXXX and XXXX, under section B2, regarding wire transfers, it states that for pending wire transfer transactions, that the transactions are applied updated once the wire transfer process has begun and an " all of our internal reviews '' are completed. It seems as though, they did not complete an internal review as they allowed 3 suspicious wire transfers, that should have been red-flagged due to my account profile 's past behaviors. Under Chase 's Deposit Account Agreement from XXXX and XXXX, under section D2d, it states that Chase has the right to refuse transactions when a card has been lost or stolen or when they reasonably believe there may be fraudulent, suspicious or illegal activity. Not only should it have the 3 fraudulent wire transfers been flagged based off of our past account activity, but once we called and spoke to an actual Chase representative and we informed the wire transfer activities on our account in XXXX were fraudulent, then Chase should have refused the transaction as we explicitly stated we did not initiate them. We are asking that Chase Bank credit the remaining {$27000.00} that was fraudulently transferred out of our account through no fault of our own as it was Chase 's responsibility to safeguard and protect our hard-earned money and their mobile apps, online banking platform, customer accounts and customer service number from scammers. We are in contact with journalists and will reach out to Florida 's Attorney General for assistance as well. | ||||||
| 08/02/2020 | Yes |
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| XX/XX/XXXX To : CFPB From : Name of Complainant Subject : JP Morgan Chase Complaint To whom it may concern. I would like to issue a complaint against JP Morgan Chase. Some background information. I am a government employee. We were issued several years back a XXXX XXXX travel credit card by JP Chase Bank NA, account no. ending in xxxx, to use for official government travel expenses. In XXXX ( I do not recall the specific dates ) the agency decided to close the JP Morgan Chase accounts and move to an other bank. We now use a XXXX XXXX Visa by XXXX XXXX XXXX XXXX. I have a personal Chase Marriot XXXX Visa credit card, account no. ending in xxxx that I use for my personal expenses. I received my XX/XX/XXXX billing statement from Chase Marriot in the amount of {$5000.00}. I have Bill Pay through my local bank, xxxxxx Bank. When I setup the Bill Pay to pay the Chase Marriott balance in the amount of {$5000.00}, I erroneously selected the wrong payee, a closed JP Chase Bank NA, account no. ending in xxxx. The correct payee should have been my personal Chase Marriott account ending in xxxx for payment on XX/XX/XXXX. Apparently, I had never delete the closed JPMorgan Chase account from my Bill Pay accounts. I received several email alerts on XX/XX/XXXX from my Chase Marriot XXXX Visa credit card that the amount was due and no payment had been made to date. The payment due date was XX/XX/XXXX. I did some research and learned that day, XX/XX/XXXX,, that my electronic Bill Pay sent a paper check to the wrong payee account. I went to my personal bank account and saw a check image of a deposited check in the amount of {$5000.00} to my closed JP Chase Bank NA, account no. ending in xxxx. I immediately issued another {$5000.00} via ACH from my personal bank account to my personal Chase Marriot XXXX Visa credit card, account no. ending in xxxx to pay the current amount so as to not incur any late fees and charges. At this point I started to make phone calls to my bank at XXXX, Chase Customer Service XXXX ( my personal visa account ) and JP Morgan Chase Bank NA customer service ( XXXX ). My first call on XX/XX/XXXX was to my bank to ask how do I get my money back as it was sent to the wrong payee and to a closed account. I was told that the check would most likely not be posted to a closed account and it should be posted back to my account and that I should call my personal Chase Visa customer service to notify them of my mistake. I then decided to write JP Chase Bank NA, closed account no. ending in xxxx at JP Morgan Chase Bank NA, XXXX XXXX XXXX, XXXX XXXX IL XXXX ( this was the remit to address my check was sent to ). I got the remit to information an old XX/XX/XXXX Statement and I mailed a letter to the remit to address stating what had happened providing them with a copy of the deposited check image to see if they would respond in writing as I could not reach them directly. My bank provided me with a phone number to contact the JPMorgan Chase bank associated with my old closed account ; however, the number I called had a prerecorded message to call back later. I never received any response from my letter and no one ever answered the phone. I then called JPMorgan Chase Bank NA Commercial Card Solutions customer service number XXXX from my old statement. I spoke with a rep and was told that they did not have access to that account as it was closed and they no longer have access to that system. I was told to call the government agency finance office which made little sense as JPMorgan Chase had cashed my Bill Pay check and deposited it into some Chase account on XX/XX/XXXX per the deposit information on the back of the check. I told them I have evidence of the check image ; however, they told me there was nothing they could do. They told me they could not help because it was a closed government account no longer under contract with JPMorgan Chase. As you can imagine, I am getting very frustrated as no one wants to take ownership of my problem and provide me with a resolution path to get back a significant amount of money, {$5000.00}. I then called Chase Customer Service XXXX ( my personal visa account ) on XX/XX/XXXX and I was connected eventually to the Chase Payments Team ( a.k.a Payments Research Team ) and was instructed to fax them at XXXX a letter stating my payment of {$5000.00} went to the wrong Chase Account and I would like to get the amount moved from my closed JP Chase Bank NA, account no. ending in xxxx to my personal Chase Marriot XXXX Visa credit card, account no. ending in xxxx. I was asked to include the check image as evidence which I sent in the letter along with permission for Chase to contact me at home for resolution at xxx-xxx-xxxx. I was told by a gentleman that this will be researched and corrected in a few days. I waited approximately two days ( XX/XX/XXXX ) and went online to my personal Chase Visa account and saw a credit of {$5000.00} on my account and I thought the resolution process was proceeding as a temporary credit was issued while it was researched. On XX/XX/XXXX, I looked online at my personal Chase Visa account and a debit of {$5000.00} was posted to my account so I was back to square one. Also, both the credit and debit transactions were dated XX/XX/XXXX. I once again contacted Chase Customer Service XXXX ( my personal visa account ) on XX/XX/XXXX and I was connected eventually to the Chase Payments Team ( a.k.a. Payments Research Team ) and was instructed once again to fax them at XXXX a letter stating my payment of {$5000.00} went to the wrong JPMorgan Chase Account and I would like to get the amount moved from my closed JP Chase Bank NA, account no. ending in xxxx to my personal Chase Marriot XXXX Visa credit card, account no. ending in xxxx. I sent the same fax sent on XX/XX/XXXX with the check image as evidence which I sent in the letter along with permission for Chase to contact me at home for resolution at xxx-xxx-xxxx. I was told by the payment supervisor, XXXX, that this will be researched and a resolution provided in 7 to ten days business days. On XX/XX/XXXX, correspondence was mailed from Chase Services XXXX and received by me on XX/XX/XXXX stating a credit of {$5000.00} was issued to my Chase account ending in xxxx. I subsequently received a post card from Chase several days later that they have made an adjustment to my account to debit back the {$5000.00} as it was credited in error. These adjustments, dated XX/XX/XXXX are reflected on my XX/XX/XXXX Chase Visa statement. I had hoped the letter ( s ) were a refund check or some explanation for resolution. At this point I need to pay another {$5000.00} plus to pay my XX/XX/XXXX statement as my original check and deposit of {$5000.00} has not been credited back to my account or returned to my bank account. Extremely frustrated, I contacted Chase Customer Service XXXX ( my personal visa account ) once again on Monday XX/XX/XXXX to see if any progress was made in their research efforts as this is a significant loss of money. I was transferred to payments supervisor XXXX who tried to help me find the closed account for over an hour. She eventually asked me to hold the line and I was transferred to a JPMorgan Chase card holder services rep named XXXX who told me that she would take down my information to research the deposit and try to get resolution. She asked many questions about the former closed government card trying to determine what government agency had the account with JPMorgan Chase. I provided her with my name, phone number where I could be reached and she asked me to email my account information with the subject line of the email stating the last four digits of my old account xxxx to their email account at XXXX along with the check image. She provided no timeframe for resolution. I sent her the email immediately. Other than the email address, I have no way to contact JPMorgan Chase. Again, frustrated with no response for days and given the large sum of money out of pocket, I emailed JPMorgan Chase cardholder services once again on Thursday XX/XX/XXXX to try to get a status on the resolution of my problem. As I write this complaint on Sunday morning, XX/XX/XXXX, I have had no contact from JPMorgan Chase, no defined resolution process and I still have no access to my {$5000.00} dollars that was deposited to a closed account on XX/XX/XXXX. I have redacted all of my PII from this memo. I have the check image of the deposited check as evidence as well as all other statements and account information referenced in this letter. I did not attach the check image as it has PII on it. Thank you for you time and consideration in this perplexing issue. | ||||||
| 03/09/2023 | Yes |
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| On XX/XX/XXXX I received a XXXX payment of {$1700.00} from XXXX XXXX ( a friend of mine ). I immediately called to ask her why she sent that since I was not expecting that and the amount was so large. She was on the other line with who she thought was Chase XXXX alerting her of possible fraudulent activity because of the {$1700.00} XXXX payment so she did not send the money, someone frauded her and went into her acct and sent me it without her permission. The person she was speaking to was not Chase Fraud we later found out and was associated with the fraudulent activity. On that call while we were under the impression that it was Chase they alerted her the scammer had been removed from her acct and it was safe for me to send the money back to her. Before sending it back I mentioned I would just go to the bank to be safe and have it sent back that way and the person on the line was adamant they were with Chase and it was safe to send the money back. XXXX was adamant that she wanted me to go ahead and send it back as soon as possible because the amount leaving her acct placed her at a XXXX balance and she wanted to funds back in her acct as soon as possible. Against my better judgement and I didnt want to seem like part of the scam if the person we were speaking to truly was a Chase rep I sent the money back on XXXX XXXX XXXX XXXX request on the same day I received it. I had to put her phone # in on XXXX and her name came up so it matched and I proceeded to send the funds, XXXX got an alert that I had sent it and we ended that call. Later that day she still had not received the money back in her acct so she called Chase and started a claim process with them once she did not have the money back and realized the person we spoke to was part of the scam as well. Once she opened the first claim it was made against my acct since I received the funds, they then froze my bank acct and once we realized they did that she turned in paperwork on XX/XX/XXXX to withdrawl the claim against me to have my acct unfrozen and we spoke to chase to make it clear the claim needed to be against whoever received the XXXX payment since they were part of the scam and should not have received the money. We placed multiple claims trying to get her {$1700.00} back from Chase at Chases suggestion. I placed a claim on XX/XX/XXXX and received a credit from Chase for that, when the claim was later denied they took the {$1700.00} credit back on XX/XX/XXXX. In total I received a {$1700.00} XXXX payment on XX/XX/XXXX from XXXX XXXX, I sent that XXXX payment back on XX/XX/XXXX to who was supposed XXXX XXXX but she never received it and it went to the scammer. I then received another {$1700.00} credit to my acct on XX/XX/XXXX for the claim while investigating and that was removed on XX/XX/XXXX when the claim was denied. In short I received 2 {$1700.00} credit in regards to this and 2 {$1700.00} debits were taken from my acct in regards to this, I never had a monetary amount gained in regards to this matter. This is very clear from my bank statements which I have attached to complaint. In XX/XX/XXXX XXXX XXXX and her husband XXXX XXXX opened another claim attempting to get their XXXX back which was ultimately approved by chase and they received notice of that and the funds back from Chase on XX/XX/XXXX. We thought it was all resolved and finished at that point until XX/XX/XXXX when Chase started to contact me and let me know they placed me in collections for the {$1700.00} amount. This started a long road of contacting Chase by phone and physically in person at the Chase branch in XXXX XXXX. I have been attempting to determine why I owe the money and resolve this since I was a victim in the fraudulent activity as well. Over many phone calls and trips to the branch ive been told multiple reasons why I owe the money and no reason at all, that they had no clue why but I did owe it and needed to pay it. I've also been told by multiple reps with Chase that I no longer owed it or shouldn't owe and needed to wait to investigate to resolve it. Each time they come back after the investigation to tell me nevermind you do owe this money and give me multiple reasons on why I do that make no sense. I've been told they never received their credit back which I quickly proved incorrect. On XX/XX/XXXX around XXXX EST I was told I received 2 credits by chase which again that was quickly proven incorrect since the credit they claimed I received first for a claim was before any claim was ever submitted and my bank statement clearly reflects that I only received one credit from Chase and the original XXXX XXXX - on this day I asked to speak to a supervisor since I knew I did not get 2 credits and when I was transferred to XXXX I spoke to XXXX XXXX a supervisor in the Chase Claims Dept ( he did not provide an ID # ) he confirmed I did not get 2 credits and that I should not owe any debt to chase, he transferred to collections to confirm with them and came back on the line and assured me Collections had alerted him I no longer owed the debt and my collections acct with Chase was in the process of being closed. At that point in the day Collections had closed so I was not able to call and confirm myself, when I followed back up with collections to confirm this I was told they had no idea what he was talking about and should have never been told that because I had an active balance owed. The most recent reason given to me on XX/XX/XXXX for why I owe the money is that the claim XXXX opened that was approved was against my acct when it should have been against the scammer like XXXX, XXXX and I have all been very adamant about to Chase. Chase has acknowledged that they know who received the XXXX payment and have admitted as of XX/XX/XXXX that they never investigated that person or tried to recoop their finds from them despite multiple request by me, XXXX and XXXX XXXX since they are the entity that committed the fraudulent activity. Chase is claiming I am liable to pay this {$1700.00} that they paid out to XXXX back to them because I received the original XXXX payment even though its very clear I attempted to send it back almost immediately and it was received by the scammer/third party without my intent for them to receive it, it was intended for XXXX XXXX only XXXX This makes me a victim in this scam as well and Chase refuses to acknowledge that and is re-victimizing me and trying to force me to pay {$1700.00} I never gained and I do not owe and are refusing to go after the perpetrator/scammer in this fraudulent matter. I have spent hours trying to resolve this issue with Chase with no positive resolution on my behalf. I have also received no written notice that I owe any amount in collections to Chase, I received 1 phone call about it and all other communication about the matter has been when I initiated it over the phone or in person at the branch other than a handful of times they called with an update in regards to an action I initiated. I only know I still actively am in Collections with them because Ive called on multiple occasions and they confirmed it. I am placing this complaint to hopefully resolve this with Chase and have the debt cleared since I was a victim of the fraud as well and should not be liable to pay this back to Chase since Chase has refused to do a proper investigation and go after the person who committed this fraudulent activity. Just for reference 2 police reports have also been filed in regards to this in XXXX IN ( where XXXX lives ) and XXXX XXXX IN where I live. I feel that when Chase suggested to XXXX and XXXX to open the final claim that was ultimately approved which got them their {$1700.00} permanently credited back, instead of opening a brand new case against the scammer they re-opened the first claim that was against/attached my acct despite that claim being withdrawn by XXXX XXXX XXXX XX/XX/XXXX. That or they made a new one against me since I received the original XXXX payment instead of going after who received the returned payment that I intended to go to XXXX XXXX. If this is the case that is against my wishes and XXXX XXXX XXXX ' wishes, we have all been extremely adamant XXXX and I were the victims and Chase needed to investigate against the scammer me. You can contact XXXX XXXX to confirm her part in this or to substantiate my acct of this issue- her phone # is XXXX. If you need anymore information regarding this matter please do not hesitate to reach out to me at XXXX. Thank you! I am attaching my bank statement that shows the activity starting on XX/XX/XXXX as well as notes I took during several interactions either over the phone or in person at the branch. | ||||||
| 08/23/2023 | Yes |
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Web | Servicemember |
| XX/XX/XXXX chase Manhattan Bank USA, / chase Today, the assistance of CFPB is requested for this matter. My heloc charges could ONLY occur via my writing of chase supplied personal Draw Checks. Yet, incorrect account balances, overcharges massive, and ongoing fraudulent activity on both accounts. Despite LEGAL evidence presented to chase they continuously ignored it. Even telling me once, If you dont like it, sue us! KEY : This CFPB claim involves two chase heloc lines of credit. Each account had Draw Checks bearing my account numbers ( # XXXX and # XXXX ) on them while open. Had fixed interest rate freeze option. No pre-payment penalties. Never merged. Never open simultaneously. Never paid late. Had identical terms. Had pre-approved lines of credit. Charges only by DRAW CHECK use. NO cash advances. Since XX/XX/XXXX, ( almost 20-years now ) I been paying chase over {$500.00} monthly for two ( 2 ) PIF heloc Home Equity Lines of Credit. In XXXX, chase had the audacity to extend the term totaling 54 years ( from XXXX to XXXX )! The problems vary : My first Lines of Credit ( account # XXXX ) was opened in XX/XX/XXXX ). Contentiously, chase kept on adding illegitimate charges to my account and without proof.. So, on XX/XX/XXXX, I just PAID chase {$39000.00}. See my receipt via Docs 3 and D1. Considering that any chase heloc held a small collateral interest on my home. My plan was payment stopped all chase charges ; granted opportunity for balance correction ; and allowed chase to refund me for payoff overpayment. However, chase never complied. Meanwhile, my security was backed by proof of payment in multiple forms. First heloc, the county courthouse filed Satisfaction of Mortgage ( Instrument # XXXX ) in XX/XX/XXXX for my account # XXXX for my Home Equity Lines of Credit ( approved for up to XXXX ). See Doc 5. Second, my credit reports that showed PAID. Never Late. Closed. See Doc 7 and 8. However, the request to report my status for almost 14-years ( from XX/XX/XXXX until XX/XX/XXXX ) concerned me ( double the 7-year reporting status ). See Docs 2, 3, 4, 5. The chase processing payoff document is attached. See Doc C. Also, Third, chase letter confirming I Paid in Full account # XXXX. See Doc 6. So, PIF and closed! Second heloc, my new account Home Equity Lines of Credit that was approved for charges up to {$70000.00} after I paid off the XX/XX/XXXX ( satisfied above ). My new line of credit checking account number was # XXXX. This account was opened with a XXXX balance. See chase Transaction History - Doc 4. In XXXX, chase started harassing and threating me saying you either refinance or we will foreclose on your house! For years, I kept close record keeping, paid by checks, branch bank visits, customer service calls, mailing Qualified Written Request /QWR letters for correction, researching consumer rights, balancing, and saving my receipts. Very aggressive foreclosure harassments started with denying acceptance of my timely monthly payments at the bank. Again, stating that I had the call the XXXX chase number and refinance. But, I refused. So, chase started taping bright neon colored large print foreclosure warning notices on my garage door. This embarrassing tactic still did not force me to refinance because as I told them I do not owe you. You owe me, my helocs are PIF. Regarding my homes chain of title positions with loans, wells fargo mortgage held the first position. And chase held the second title position. Again, chase practiced refusing my on time payments unless I refinanced. Then turned around and started foreclosure procedures against me for non-payment. Considering that XXXX XXXX XXXX ( XXXX ) had been actively putting many of my mortgage payments into their UNAPPLED FUNDS account ; plus, reporting me late or behind ; I was able to making multiple payments and prove them incorrect. Thus, my wfm on time status was reset. Bottom line, XXXX XXXX XXXX could not foreclose on me. Instead, chase foreclosed on me. In court, chase filed a Motion to Dismiss. Then, while out of court, chase extended a loan modification with a reset payoff in XXXX vs XXXX for their false helocs balances. As you can see, multiple RESPA and TILA, etc. violations were violated by this bank institution. Below, I request a FRAUD investigation. Since chase added {$17000.00} approx. onto their new false loan modification. Ironically this new chase loan modification amount is {$79000.00} with interest, fees, tips, etc. added onto their chase # XXXX account. Previously, chase identified this account as being # XXXX ; all while collecting payments from me during XXXX to XXXX. Two PROBLEMS : Problem 1 : chase identified the XXXX account as # XXXX aka The Loan and chase totally ignored my plea that this was the wrong account for me. I shared that my line of credit account number was # XXXX. Second, chase assigned their new load modification number as being # XXXX and started collecting payments from me again on XX/XX/XXXX ( at {$160.00} for 60 months ). Problem 2 : my credit report ( XXXX - see below ) shows strange account # XXXX. This is NOT my account. But, it shows a {$79000.00} chase balance. This amount is IDENTICAL to chases new loan modification amount. Plus, it shows the same open date XX/XX/XXXX as mine. AGAIN, THIS INFORMATION USES A FRAUDULENT chase account number under my name. Then, chase arranged for me to pay their cost. Similar to # XXXX aka The Loan from chase XXXX Fraudulent account. Additional, examples of these Fraudulent account scenarios are identified below. See all Doc 14. ______________________ My first account # XXXX ( after closed and second opened ) requests. 1 ) Why does my credit report state : Keep this PAID, CLOSED. Never Late Account on credit reports until XX/XX/XXXX? ANSWER : TILA - The creditors intent is NOT relevant. Since XX/XX/XXXX was my projected mortgage payoff date. Sure enough chase started their planed foreclosure tactics ( see question 2 ). 2 ) In XXXX, chase started very aggressive foreclosure harassments with me. For example, chase started denied acceptance of my timely monthly payments at the bank. Demanding me to refinance my XX/XX/XXXX heloc or face foreclosure! I refused. So, I mailed in my check payments instead. But, chase returned them to me in the mail. Stating refinance or face foreclosure. Constantly, chase would call and write me with demanding that I refinance or they would foreclosure and take my home from me. I stood firm that my two XXXX heloc loans were PIF. And that chase owed me money. Then they started taping bright neon colored large print foreclosure notice warnings onto my garage door as embarrassment. They ignored all of my LEGAL evidence presented to them. __________________________ ANSWER QUESTIONS BELOW My second account # XXXX ( after first closed ) requests. * QUESTIONS and CONCERNS ( from above chart ) : 1 ) Notice my Transaction History on XX/XX/XXXX had a XXXX balance. ( See Doc 4 p.1 ). I am requesting all personal check copies posted from my # XXXX account only. 2 ) My official loan records confirm # XXXX as being my loan number. ( See Doc D ; and Doc D1 ( bottom of p. 9 ) ). Therefore, I am disputing any association your # XXXX account that belongs to someone else. The information below in Chart C. via XXXX Credit report confirms it. 3 ) My XXXX credit report ( dated XX/XX/XXXX ) reads As of XX/XX/XXXX, this account is scheduled to go to a positive status ( See Doc 8 ). What does this mean? It a 4-year gap. 4 ) My XXXX credit report ( dated XX/XX/XXXX ) reads account previously in dispute. Now resolved ( See Doc 8 ). What was the dispute? How was did chase resolve the issue? 5 ) Per chases Transaction History ( Doc 4 p. 1 ) on XX/XX/XXXX my balance was XXXX. On XX/XX/XXXX you posted my XX/XX/XXXX payment {$40000.00} on XX/XX/XXXX ( Doc 4b p. 3 ). Why was there a {$44000.00} Decr Uncollect on XX/XX/XXXX? What does Decr Uncollect mean? ( Doc 4a p. 2 ). 6 ) What did chase use the {$68000.00} Decr Uncollect for on XX/XX/XXXX? See ( Doc 4b p. 3 ). 7 ) Why does this {$68000.00} Decr Uncollect amount match to the dollar the FRAUDULENT revolving chase mortgage account ( # XXXX ) listed in Chart C below ( See line 14 a-d )? 8 ) Via chases Motion to Dismiss, etc. your loan modification shows {$63000.00} of unpaid principal ( over 12 years from XXXX to XXXX ) including a {$40000.00} pay down. Plus, interest of {$16000.00}? Explain your math. ( See Doc 11 ). 9 ) I claim FRAUDULENT CHARGES on all unknown accounts shown on my credit report via XXXX Credit Report ( XXXX ). My only two known heloc Draw Check ( XXXX ) accounts being # XXXX and # XXXX. | ||||||
| 01/02/2019 | Yes |
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| XXXX is engaging in habitually fraudulent business practices and refusing to issue credits to my XXXX XXXX Visa credit card as advertised. I have reported its fraud to the CFPB previously, more than once. Following is updated information, as well as completely new information about recent, so-called XXXX purchases from XXXX. XXXX tampered with recent delivery addresses on several of my orders. As though that were not enough, the delivery or tracking history was frequently falsified as well. Although I received two of the orders, they were each supposed XXXX deliveries, which should have arrived within 2 days of me placing the order. They did not arrive within the promised two days but arrived over a week or more later. One of these 2 orders was XXXX for a ceiling light. Although I eventually received it at the correct delivery address I originally entered that XXXX changed, I did not receive this XXXX item within two days. Therefore, I should be credited for the full amount charged for this item, including anything charged for taxes, in keeping with XXXX advertised XXXX service. The second of these 2 orders was # XXXX for a tomato-shaped, ceramic Staub cocotte. As with the first order, XXXX changed the original delivery address to my credit cards billing address, then it falsely claimed that it was received at the billing address when no one was at the post office in XXXX, MD. Next, the item was forwarded to where it should have gone originally, but it was received well past the 2-day delivery period claimed for this XXXX item. Therefore, I should be credited with the full amount charged for this item, including anything charged for taxes, but XXXX has failed to and has also refused to do so. Two additional recent orders are still missing. They were also XXXX orders that should be delivered to me at the same address as the first two, while XXXX should credit me for their full purchase price and any taxes it charged me for them. The first of the 2 still missing orders is # XXXX for a XXXX cast iron, 3 quart XXXX ( a kind of soup tureen ). This item was ordered well before XXXX with the original shipping address where I would be the following week, XXXX week, in XXXX XXXX, NJ. However, XXXX changed the shipping address and substituted my billing address on this order, as it did for several other orders placed on the same day. Although some of the other items ordered on the same day have now arrived ( including the two aforementioned items ), very late, at the proper shipping address, this item has not been delivered but remains lost in the mail, thanks to XXXX unaccountable actions. This item needs to be found and delivered to the proper shipping address in XXXX XXXX, NJ, as the first 2 items mentioned previously were. Tracking history on XXXX website indicates that it should have been received by XX/XX/XXXX, but since this item was also a XXXX item, it should have been delivered to the correct shipping address within 2 days of it being place. Instead, two or more weeks later, it is still missing. XXXX should be forced to send a replacement for this lost item to the correct, original shipping address in XXXX XXXX, NJ, since the original item has been lost by XXXX mishandling it. I should also be credited the full amount charged for this item, including taxes, since it was a XXXX order and was not received within the advertised 2-day period for XXXX items. XXXX should be forced to send the replacement to the correct address and credit my credit card immediately, not whenever or if ever it finds the first shipment that it bungled badly and lost. Finally, XXXX also failed to deliver another XXXX order to the correct shipping address within the 2-day period advertised. It also has a falsified tracking history and has never been delivered to the shipping address entered. In addition, across several years, I have told XXXX many times that the delivery address for this item ( on XXXX XXXX in XXXX, MD ), in a remote, rural area of the XXXX XXXX, does not have USPS delivery service, so the USPS should never be used as the shipper. However, XXXX routinely ignores this and has more than once allowed items to be sent via the USPS to an address that the USPS will not deliver to. This item is also lost as I write and has never been delivered to the correct shipping address ( to the front porch of the house at the delivery address ). Any claims that an attempted delivery was made is also fraudulent, as the USPS will never deliver to the front porch of the house at the delivery address and does not even service the address in any way. Therefore, it would never attempt to deliver to an address it does not service. As indicated on the original order, if the item was not delivered to the correct address by this past Saturday, I would not be able to receive the item. Since XXXX also bungled the shipment of this item to the point of making it undeliverable, it should be forced to send a replacement for the item to the address that I am now at in XXXX XXXX, NJ. This needs to happen this week, since I will be gone on another trip by this Friday. If this item had been handled properly and received within 2 days as a XXXX item, I should have gotten it by last Saturday, XX/XX/2018. I did not, however. This item was also a XXXX item that was not delivered within the 2-day period advertised. Therefore I should be credited the full amount charged for it immediately, and a replacement should be sent immediately to the XXXX XXXX, NJ address, since I am no longer at the original address that XXXX failed to get the item to by last Saturday or by the 2-day reception date advertised for XXXX deliveries. In general, XXXX business practices are systemically fraudulent, as detailed above. It should be monitored and stopped from opening new credit card accounts until it can provide the promised services it routinely fails to provide to its current customers. It should be sanctioned in fines and through other means in graduated levels of severity, until it is fundamentally restricted and/or removed from the market if it does not clean up its act. Any customer service telephone number for XXXX is nearly impossible to find on its website. It hides behind a website that provides false and unreliable information, while forcing defrauded customers to spend hours trying to reach it directly. It has numerous forced choice website forms that distort information and provide further resistance to it interacting directly with defrauded customers. Consumers have unlimited amounts of their time wasted just trying to reach it, then can not reach anyone who will honor the terms of XXXX membership. Many supervisors I have eventually reached at XXXX have refused to issue credits for items lost in shipping and never received, or received well past the 2-day delivery date advertised with XXXX membership ( or any other deliver date promised for XXXX items ). I have waited or spent over an hour on the phone holding for someone, been disconnected, repeatedly, and put on hold indefinitely when I have asked to speak to a supervisor. My requests to speak to supervisors have been refused and I have been disconnected, repeatedly, when I asked to speak to a supervisor. Many of the supervisors I have been able to reach, with inordinate difficulty, have refused to issue credits for lost items, or XXXX items that were not delivered within the period advertised. In short, XXXX is running a chaotic, unaccountable, fraudulent business that floats itself millions of dollars in interest-free loans that inflate its operating revenues, at best, by its failure to provide credit card and delivery services advertised, charging for those services, then resisting, refusing, or unreasonably delaying credits for those fraudulent charges. Behavior of its employees might suggest that they face unreasonable penalties for issuing credits that should be issued without resistance or delay. If any multi-billion dollar, transnational enterprise deserved the close, long-term and concerted scrutiny of US market-place regulators, XXXX is a top candidate for it. Its fines and sanctions, accordingly, should also be in the billions, followed by shutting various of its operations down, if it continues to break laws with the impunity it does presently. It should be investigated at every opportunity for anti-trust violations in addition to consumer and business practices violations. Presently, it is a parasitic XXXX on the US consumer and is attempting to export the worst of what this country does overseas as well. Our garbage should be dealt with within our own borders. | ||||||
| 04/02/2021 | Yes |
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| This Complaint is against CHASE BANK and how the handled a FRAUD DISPUTE. I originally purchased a 14k White Gold Engagement Ring with a 2.0 carrot IGI certified NATURAL Diamond on XX/XX/XXXX for {$5200.00} with Estimated Delivery Time of 1 week from XXXX. XXXX then contacted me 2 days later on XX/XX/XXXX letting me know that the stone i selected on their website was listed WRONG, and is actually a LAB STONE ( which is worth MUCH LESS ) This was the first of many HUGE RED FLAGS because now the company already has has my money and are attempting a tactic called bait & switch. I IMMEDIATELY requested to cancel my order that day, as that was not what i selected, as listed on their website. They ignored my requests to cancel and they continued to attempt to sell me other stones week after week for 2 months now with no response on my cancellation requests. I do not want any products from this scam company and i NEED FULL REFUND, as i cancelled this order several times, after the company falsely advertised a product on their website. I Originally disputed the charge with Chase on XX/XX/XXXX when i started seeing red flags from the Merchant ( XXXX ). The Merchant then contacted me, convincing me to close my dispute with chase, as they told me they would cancel the order the next day. As XXXX did not cancel the order, I opened a re-dispute on XX/XX/XXXX which has been a NIGHTMARE of process and a lot of mistakes have been made in their dispute process. As requested, I Faxed in a Handwritten letter to Chase on XX/XX/XXXX explaining my situation and providing as much information that i can think of, as per request of the CHASE representative. As it takes 1-3 business days for CHASE to receive and review the fax, i was on standby over the weekend and following days for further action or for Chase to contact me. I Constantly followed exact directions that Chase representatives gave me all within a timely manner. As their re-dispute process is more difficult, they contacted me a OVER a week later on XX/XX/XXXX saying they need me to write a ANOTHER handwritten letter providing more specific information on why i wanted to re-dispute the charge. I told the rep. that it was rather difficult for me to get to CHASE bank again in the next day or two, The rep then stated that i could send the information through " secure message '' on the CHASE mobil app which i did that day providing the exact information requested. As a week passed and i did not hear back from CHASE, i then called the dispute department once again on XX/XX/XXXX to see what my status was. When i talked to " XXXX '' from the disputes department, she noticed that my secure message was not " seen '' by anyone in the disputes department.She aknowledged the mistake on CHASE 's behalf and apologized several times for their mistake. She made notes on the case that CHASE has messed up in porcessing, and that they were doing what they can to make it right for me. I then had to re-write and re-send the message through " Secure Message '' and that she assured me will forward it to where it needs to be. As the next 5 days goes by and i do not hear anything from CHASE, i then call the disputes department again on XX/XX/XXXX to see what is going on. They tell me that the secure message WAS NOT a suffice way of sending the information and that it got lost in their system. They now need me to write in another HANDWRITTEN letter with the information i provided twice in secure messages, and either Fax or USPS Mail it in within a timely manner. Getting Frustrated, I then wrote another letter and BOTH mailed it to chase and also faxed over once again on XX/XX/XXXX. The weekend passed and then i contacted Chase on XX/XX/XXXX to make sure they received my documents and that this will be handled properly. When i talked to " XXXX '' at Chase, She confirmed that they received my documents and that it will be reviewed within 15 business days. On XX/XX/XXXX Chase Sent me a letter on my Chase mobile app, informing me that the dispute was now closed in the merchants favor and that my dispute in invalid. It stated that " based on the information i provided, we found that a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your account because the charge took place too long ago, '' This was RIDICULOUS as i filed the re-dispute 2 days after the charge and have attempted to cancel and provide information to chase ever since. The processing & handling of my information and documents and lack of communication on CHASE 's behalf are the ONLY things that took time in this matter. I sent everything in that was requested of me all within a VERY timely manner. As i was not okay with this outcome, i then called CHASE on XX/XX/XXXX letting them know that i wanted to appeal this decision and re-open a dispute on this case. A Represenative then opened a seperate dispute under reason of " I Never recieved expected credit '' instead of " i cancelled this purchase '' ( Which was another mistake on CHASE 's behalf ) I was then informed i would have to write in ANOTHER handwritten letter with all requested information from previous claim, but with updated dates and informatiob. I oblige and Fax in another handwritten letter from Chase bank onAs i was then tied up with a COVID situation at home, a week and half go by with no update from CHASE. I then call disputes department once again on XX/XX/XXXX to see my claim status. They informed me that some information and my signature i provided was cut off when received on their end of the fax and that they need me to send in ANOTHER handwritten letter with new dates and information. i did this once again sending in everything they asked for through fax at CHASE bank. Another week goes by and still hear nothing from CHASE once again, i call to check in and speak with " XXXX '' from the disputes department on XX/XX/XXXX. After reviewing my case he realizes that my latest fax was received, but it was put in to my previous case which was CLOSED!! As He can not access closed case information, my previous fax was useless as he could not access it in my closed case.He also realized that the case was under the wrong reason and that he would have to close that case and open a new case under reason " i cancelled this purchase '' to get things moving and to the proper department. He advised me to YET AGIAN, WRTIE ANOTHER LETTER and FAX it in. As i was in tears at this point, i did what he asked and faxed in another letter on XX/XX/XXXX with proper case #, name, signature and ALL information that was asked of me over the passed three months and he ASSURED me it would be handled properly and that i was in good hands. He said that it would take up to another 15 days for CHASE to review the info and that things were looking good for me, given i provided everything they have asked for. He also assured me that i have up to 60 days from when the charge was posted on my statement ( XX/XX/XXXX ) and that i had plenty of time and was within my rights. I was on standby checking in every two days with CHASE confirming that they recieved my documents in good shape, have ALL the information they need and that they do not need anything further on my part. I was confirmed on this 5 times from the dispute department between XX/XX/XXXX and XX/XX/XXXX assuring me that i did everything i need to do and that i was in good hands. Chase then sent me a letter on my CHASE mobile app on XX/XX/XXXX informing me that they have yet again closed my dispute in the merchants favor and that the charge is VALID and that no billing error has occured and that they can no longer help me. As i now feel truly helpless, i called the CHASE disputed department and asked to speak with a supervisor. After reviewing my case, he basically said the same thing. He said that becuase i closed my original dispute, that i have passed my timeline of being able to have CHASE help me from a credit card standpoint and i am on my own with the charge. This was the absolute worst processing and handling of a customer or claim i have ever seen or heard of. Three months later and i still have NO merchandise from the merchant, and do not want ANY merchandise from the merchant. They continue to ignore my requests to cancel the order and provide a refund and continue to try to sell me other stones which i do not want. PLEASE help with this situation as i am truly a VICTIM here, from both the merchant XXXX & CHASE BANK. Thanks so much for your time and help. Cheers | ||||||
| 09/28/2023 | Yes |
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Web | Older American |
| Good evening, My name is XXXX XXXX XXXX. My girlfriend and I had a small flood in our basement. The insurance paid us for the items that were ruined, we had a renter 's insurance policy that we each paid half on, although the policyholder was in my girlfriend 's, XXXX XXXX XXXX. We had plans for this check, to replace some of the things that were lost, as well as pay some bills.The amount of the check was for {$7600.00}. Well, my girlfriend passed away in her sleep, I found her when I went to wake her up. By the way, I am XXXX XXXX XXXX, as well as XXXX was, XXXX XXXX XXXX. Because of XXXX 's passing, I mourned for nine days before I started to think, what am I going to do now? I get {$2900.00} Social Security on the third of each month. Now, the way we paid our bills, XXXX each month would add all the bills up split it down the middle and we each paid half. I paid XXXX anywhere from {$1300.00} to $ XXXX check that we had plans for is now a type of survival for me at this time. So, I took the check to the Chase Bank drive thru ATM. The Chase Bank is located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXs ( XXXX ) XXXX and deposited on XX/XX/2023. The next morning after the deposit, I'm looking at my email, and there's one from Chase Bank saying there was an error at the ATM. So, I'm thinking an electronic error for some reason. I called the bank, mentioned the error, they told me they sent the check back to me and when you received it come to the bank and deposit with a teller at the bank. I finally get the copy of the check in the mail. The next day I go into the bank, but before I go to the teller, because the check was in question, I consulted with a Bank customer service rep. I showed her the check, she said fine, is it endorsed? I turn the check over and she says go to the teller. I slide the check to the teller put my ATM card in with my pin for verification, the teller tells me the funds will be available in fourteen days, I then leave the bank. The next thing I know is my checking account is restricted. The reason they gave me was that I deposited a pay to estate check into a regular checking account. I knew nothing about estate checks can not go into regular account, it has to be deposited into an estate account. And I only found that out when it was explained to me the morning I called the bank about the restriction. Now, I would think, showing the customer service rep the check, and seeing it said pay to the estate, but maybe I'm wrong but I would think she would have maybe asked if I had an estate account. And surely through the training of the tellers to do their job they would know not to accept and deposit an estate check into a regular account. What should have happened, the teller should have slid the check back to me and said, XXXX XXXX we can not deposit your check, you need to open an estate account to deposit that check. I would have turned around and said thank you and walked out. Now, this is the first time I had to pay the rent myself, and the landlord understood that XXXX passed. Well, because of the restriction, the check to my landlord was returned to him. The automatic payment to my auto insurance was declined. So I called my landlord, and couldn't say how sorry I was about the check bouncing. I told him I would get the rent money in cash. I then return to the bank to withdraw {$2000.00} cash from my account, I was told I couldnt. I said that can't be right! The funds I had in my account had nothing to do with that check I deposited. I walked out empty handed. After a day or so, I called the XXXX number for customer service for the bank. I told them about the withdrawal I was trying to do. They told me I have every right to those funds. I asked the rep to please put that in my notes. I return to the bank and tell them about my phone call, he still refuses to give me my funds to pay my landlord. I finally convince him to look at my profile and the notes. He reads it, makes a couple of phone calls, and after a half hour of waiting, I finally got my rent money and met my landlord and paid him the rent in cash. How, embarrassing. Well, with all the problems with this check, I called the insurance company back that submitted the check to us, told him about the pay to estate quotation on the check. His reply to me was he was going to stop payment on the check in process and mail me another one with the estate quotation voided. So, I called the bank to tell them the latest news and the woman on the phone at the bank says that check is ready to clear on Thursday. I call the insurance company back and I was told it was too late to stop the check. So the funds cleared. I called the bank and asked the woman in the fraud department, this is where they are taking my calls, where is the money from the check that was deposited? She told me the funds are held in suspense, and need verification of the executor for the funds to be released. Now, I'm trying to get the funds to pay the bills. I didn't pay my car payment, made no payments on any of my credit cards last month, I didn't even have the money to pick up my prescription at XXXX XXXX. I was told the funds would be released with proof of the executor of the estate. The executor of the estate is my girlfriend 's son, XXXX XXXX. I called XXXX and told him the trouble I'm having and would he be so kind to come to the bank with the proper documentation so I can get the funds released from the bank? He agrees to meet me at the bank a week ago at XXXX XXXX and take time from work to do this. We go into the bank, I give I think the manger is referred to as XXXX my Chase debit card and licence. He logs into the computer and said the check was mailed to you. Pushes his chair back, end of conversation, didn't even ask for the documents that XXXX had with to show proof and get the funds released. I told XXXX what I was told earlier about the funds in suspense. He couldn't be bothered to look any further. So, I apologized to XXXX and off he went. I now wait five days, no check. I call the bank back on the XXXX customer service line about why I haven't received the check? The rep says, we didn't mail that check to you, we mailed the balance of your checking account to you because we closed your account. Yes, I did get a check for {$16.00} and some cents. So, do you think that when I went in with the executor of the estate, I was there checking on a {$16.00} check?? So, here I am, thinking how I can get XXXX to return to the bank again with the proper documents, which we already did a week before in person. I left a message to XXXX asking him if he could go back in with me. Shortly after I left the message to XXXX, Chase Bank calls me, I reiterate what I've been saying here. She tells me at first it has to be verified with the executor of the estate, I told her we already went into the bank to do that. She tells me it will take five days for her to call me back. I said could it be sped up because of the situation I'm in and have a little compassion? She said no, five days.Today is the XXXX of XXXX. The check was first deposited on XX/XX/XXXX. Is this right? It is cruel if you ask me. Now, I am a Senior Citizen, I've had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am presently under a doctor 's care because I'm lXXXX XXXX and they haven't found the cause yet. I was at XXXX XXXX I now weigh XXXX XXXXNot only that, I am still grieving for my girlfriend. With what they did to me here is caused my credit rating to plummet. I can not afford to live here and have every intention on moving out and getting a place I can afford. But, with the bank giving me the run around, getting a different answer each time I call, restricting my account, then closing it all together over this you know what I call it? Passing the buck. They put all the blame on me when unknowingly, I wasn't aware of doing anything inappropriate. I would think the employees should know their job well enough to stop a deposit to go through so this wouldn't happen to another person. I was even told, when the woman explained to me about the different accounts that their staff needs to be trained to be aware of this. So, here I sit, waiting to get the funds to relieve me from all the turmoil and stress I've been under. The thing I truly worry about is my credit rating. No if 's but 's about it, I will have to start applying for an apartment. Who do you think they are going to rent to? Someone with a good credit rating, or me? I think you know the the answer already. Thank you for your time. Sincerely, XXXX XXXX | ||||||
| 03/20/2018 | Yes |
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SCAM : MONEY TRANSFER AND BANK TRANSFER I am not ashamed of what I am going to describe next. Most people would think, what happened to me when I made the deposits? I'm not ashamed to say that there was someone wanted saw my face? The truth is that I do not feel ashamed. Shame should feel who perpetrated the fraud, because is a delinquent.
For this reason I want to report the fraud. Because I was not only a victim of fraud, but also emotional damage and stress. I trust in the effectiveness of the American justice and I have the firm certainty that I will recover my money and that any person who is responsible will be prosecuted.
On XX/XX/XXXX I received an email entitled Employment Offer from XXXX XXXX XXXX |
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| 11/09/2018 | Yes |
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| I started a XXXX XXXX XXXX and XXXX company a few years ago, and I travel around the country visiting XXXX. In XX/XX/2016, I received 5+ missed calls while I was in DC for work. I had used my computer at the XXXX I was staying at and at a few coffee shops. I call the number back and a woman from XXXX, Texas asked, " Is this ( company name )? I received a notification from my bank ( XXXX XXXX ) that there is suspicious activity and someone is trying to transfer money into my account. '' Me " Yes, this is ( company name ). Who is this? I am not trying to transfer money, but I will check with my bank and call you back. '' When I check my account initially, I did not see any unusual payments. So assumed it was some sort of mistake. But then a few days later, I noticed a XXXX in the amount of {$3700.00} which I did not recognize. I was thinking that maybe I was paying an invoice to someone. But when I saw who is was going to, I had no idea who this person was, and there were no open invoices that matched that amount in my accounts payable. I reported there was a XXXX transfer made that I had no idea about, and I did not approve. It was not done by any of the signers on the account. Funds are returned to my account. I go into a physical Chase location, filed a claim for it, and we closed the bank account. I was told that I would receive an email with an attachment that I need to fax in. So I wait and wait, and after a couple weeks go by, I call chase and ask them what the status of my claim is. They said that they did not receive my faxed form and so there was no progress on the claim. I explained that I was still waiting to receive it via email. By the way, I was still receiving other chase notifications, so I assumed that they had my email correct. They said they would email it in 1-2 business days. I asked him on the phone if he could email it to me while we were talking so that I can make sure that I got it. He said he could not do that but assured me that I would receive it in 24-48 hours.. I get a voicemail from Chase. " We need more information to continue our research of your claim. Please call us as soon as possible and refer to claim number # # # # # # # # #. '' I called the number in the email and explained what happened. They told me that my claim was closed because I never faxed in the form, and I responded that I never received the form. Then the Chase Agent sent me a link that allowed me to download the chase form to fax. ( Why couldn't they do that in the first place? ) I asked him if I can speak with someone from the team that is doing the investigation, and he replied that I can not and they will contact me and to look out for a phone number starting with XXXX or XXXX. I fill out form and drop it off at Chase to be faxed in. They never called despite me requesting over and over that they call me. My Chase agent was amazing and tried so hard to help me get ahold of someone in the Investigations team, but she ended up just sitting on the phone for hours with no luck. I was told that they tried to call me once, and I didn't answer so they never called again. I have even looked through my phone since then and have not missed any calls from a phone number starting with those digits. I had made sure that if I saw any XXXX or XXXX numbers calling me, I would answer immediately, even if I was in a meeting or busy with something else. A few days later, I receive an email from Chase saying they " issued a temporary credit in the amount of {$3700.00} for claim # # # # # # # #. You'll have full use of the temporary funds while we do our research. '' Thanks for calling us. Welcome to theChaseCustomer Claims Secure Document Exchange I called the woman who called me at the beginning saying that she had received the money in her XXXX XXXX Account, no answer. I notice that chase has removed the funds from my account.I spend 50 minutes on the phone with Chase and am transferred from person to person. I keep asking for more information so that I can understand what exactly is going on with my account, and why the claim was dropped. After a very long and frustrating conversation, the guy on the phone tells me that the reason they denied the claim was because there was another XXXX transfer made from the same IP address on for {$80.00} that I did not claim. I told him that I did not make that transfer and asked him to file a claim for both. He said that they already closed the claim and he could not reopen it. After arguing for 20 more minutes, he finally agreed to file a new claim for both of the amounts. Why couldn't he have done this the first time I asked? I also asked him over and over for information on the IP addresses that the transactions were made from so that I could help prove my case. He refused. So I email my Chase Agent. She called Chase again and made sure they reopened claim. I emailed Chase Agent multiple to ask if there are any updates on my claim because I haven't heard anything. She keeps checking for me. Chase Agent emails me back, " I just got off the phone with the claims department. They said that this claim is going to remain denied because they can not find proof that it was fraudulent. You are welcome to come back into the branch and we can try to reach out to the claims dept together or you can reach them XXXX 1. Please let me know how you would like to proceed. '' At this point, I have been talking to Chase for months, and I am super frustrated with everything in the Investigations and fraud department. It is very obvious that their goal is to not help you figure out what happened to your money. So I ask my Chase Agent if she can find outwhat EXACTLY they need from me to prove it was hacked.If they do not give me specifics I will ask my lawyer to step in. I also asked her if she could help me get information on the IP addresses that the transactions were made from so that I could help prove my case. From my standpoint, they are not even trying to help me they are just trying to throw my case out. It is also ridiculous that they have not even called me to talk to me about it and try to work with me to find a way to prove that this was fraud. I have NO information, and they are making it so incredibly difficult to get information about this fraud claim. So I realize that I have a friend from college that works for Chase, so I go and visit him. He helps me take my case to their Escalations Dept. The Escalations Dept calls me and I tell her the whole story and she says she will call me back on Friday with updates ( 1 hr 20 minute conversation ) She says that she can not help me because the fraud dept is telling her that the IP address used for the 2 disputed transactions is still currently being used to monitor the account. At this point I am concerned that " they are still monitoring my account. '' Again I asked for IP address information, but again, they refused. I call Chase again and the agent tells me that is NOT being used to monitor my account, which doesn't make sense because that was the very reason that I was told by the Escalations Dept that it was closed to begin with. At this point, I realize that Chase is not going to help me at all. So I call the number of the woman who called me at the beginning. The person who answers claims to be an someone else and she doesn't know what I am talking about. Then she calls me back and says, " I am ( her name ) and I do have your money. It was transferred in my account at XXXX XXXX and the bank put a hold on the account because I could not verify who was sending it. '' She said that she would return it to my account. But her story kept changing. First she had the full amount, then she said that she only had {$2500.00}. She told me that should were call her bank and have them return the money. Stop in Branch to tell my agent the whole story. She brings her manager in too. I told them that I was going to get a lawyer involved, and they gave me the number to the Chase Executive Office Line. I call them and they say they will get back to me within 48 hours. The gentleman from the Executive Office Line said that they could not prove that it was fraud because they were sent from my personal computer, the same one that I am currently using right now. So someone hacked into my computer without my knowledge and charged my account, and there is nothing they can do about it even though I DID NOT send or approve either of the 2 transactions. | ||||||
| 07/22/2020 | Yes |
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| On XX/XX/XXXX, I received a text message from Chase regarding my credit card ; they wanted to know if a charge to XXXX was an authorized charge. I had not ever made any purchases through XXXX, so I replied immediately to the text " no, '' to indicate it was not an authorized charge. I then checked my credit card statement and found there were multiple pending charges to XXXX and a single charge ( for {$300.00} ) to XXXX XXXX, all listed as " pending '' charges. None of these were authorized charges, so I called and spoke with a Chase representative. I told them that all of the charges to XXXX were fraudulent, as I had never made any purchases from them, and that I had not authorized any charge to XXXX XXXX ; I explained I had never stayed at this hotel and I had not authorized the charge for anyone else to stay at their hotel. I still had the card in my possession, as it had not been physically stolen. I do not know how my credit card information was stolen, but no one else was authorized to use the card ; employees of multiple local merchants had temporary access to the card while I was making payments, and could have taken the information at that time. This old card was cancelled and they sent out a replacement card. The Chase representative assured me that I would not be held responsible for fraudulent charges. They listed off the XXXX charges to me, but missed one when reading back, so I let them know that charge was also fraudulent, and I emphasized again that I had not authorized any charge to XXXX. I asked about whether I should file a police report and Chase stated that they would handle the investigation internally ; they advised I did not need to file a report. I am attaching a copy of the email sent to Chase on XX/XX/XXXX. At that time, I specifically addressed the charge for {$540.00} to XXXX XXXX, since that was the only charge that still showed on my account. The other charges to XXXX XXXX XXXX had already been removed. I have also included the notice sent to me yesterday, XX/XX/XXXX. I waited to have the charges removed, but as of XX/XX/XXXX, two charges to XXXX still showed on my statement. I called and spoke to Chase again and explained they had neglected to remove two of the fraudulent charges. They apologized for their error, and stated they would reverse the charges. They said again that I would not be held responsible for fraudulent charges. A credit was applied for these charges. On XX/XX/XXXX, I logged into my account to make a payment, and saw that a new charge from XXXX XXXX had been applied to my current statement, in the amount of {$540.00}. At the time, I did not realize this was a separate charge from the one that had been previously removed, but believed it might have been an adjusted amount applied from the hotel. The current statement started on XX/XX/XXXX, but this charge was dated XX/XX/XXXX. I called Chase again that day to ask why the charge was back on my account. I emphasized that it was a fraudulent, unauthorized charge. The Chase employee assured me, again, that I would not be held responsible for fraudulent charges and that it would be removed. I asked to confirm that this did not indicate a new breach of data. The Chase employee confirmed that the charge was from before my credit card was replaced, and that it did not indicate any compromise to the new/replacement card. They could not answer why this charge had only just appeared on my statement, but stated it would be corrected within 24 hours. On XX/XX/XXXX, the statement was unchanged, but as of XX/XX/XXXX, a credit had been applied for {$540.00} to correct the fraudulent charge to XXXX. On XX/XX/XXXX, I logged in again and saw that the charge to XXXX was still present, but the previously applied credit had been removed. I called again and spoke with a customer service representative who said he could not explain why the credit for the fraudulent charge had been removed, but he said the same thing as all others had said, that I should not be held responsible for a fraudulent charge. I confirmed that it was not an authorized charge. He assured me someone from the Chase Fraud Recovery team would call by the following day. Also on XX/XX/XXXX, I called and spoke with an employee at the XXXX XXXX that was listed on the fraudulent charge. They confirmed that the reservation had been made online via XXXX. The reservation was not made in my name. The person who stayed at the hotel did not check in under my name. Since the reservation was made online, they required no proof that the charge was authorized and never requested to see the credit card. The charge for {$540.00} was for the room & tax and the charge of {$300.00} ( which had been removed at the time ) was to cover a room smoking fee and gift shop charges made to the room. They could not release the name of the person who stayed at the hotel despite it charged to my card. I was unable to speak with anyone at XXXX since I did not have a confirmation number - since I did not authorize the charge - but a hotel employee ( the room manager, Sherif ) stated he would contact them on my behalf and call back to let me know what he could find out. He did not contact me again. By the end of the day, XX/XX/XXXX, I had not received the call from Chase 's Fraud department that I was promised. I called Chase, but I was told by a customer service representative that it was now out of the Fraud team hours, and it was too late to speak with anyone. They could not explain why I did not receive the call I was promised, or why the fraudulent charge was still on my account. I requested to speak with a supervisor, who identified herself as XXXX, at that time. She told me that my call request had just been sent to the Fraud team 's " basket '' as of that day, not the previous day when I made the call, so I could not expect a call for another 24-48h hours. On XX/XX/XXXX, I called within the Fraud team 's business hours ; they told me I needed the Fraud Recovery department, and said they would transfer me to the correct number. After the transfer, I went to a voice mail with no option to speak to a person. I called Fraud again, and was told that the Fraud Recovery department was not doing any business by phone due to COVID, and that I could only contact them by email, despite several people having previously assured me I could speak with them and that I should receive a call. On that date, I also called the XXXX XXXX back to speak with their room manager. He said that he did not have any new information as he had not heard back from XXXX, and he told me he would contact me when he did. I never heard anything back from him after that time. I drafted a letter summarizing my problems to Chase and submitted it as of XX/XX/XXXX. In the letter I explained that all charges to XXXX and all charges to XXXX XXXX were unauthorized, fraudulent charges. I requested that they send me a copy of any investigation so that I could submit it to Consumer Finance Yesterday, XX/XX/XXXX, I received a notification from Chase. The letter indicates that I was not held responsible for most of the fraudulent XXXX charges. However, they indicated that I would be held responsible for one of the XXXX charges in the amount of {$5.00}. They also said they were holding me responsible for both of the XXXX charges - the room fee for {$540.00}, as well as the {$300.00} fee that had been removed from my credit card as of XX/XX/XXXX. The reason listed for all three charges was " You notified us that this transaction is valid. '' This is not true, as I have reported repeatedly that the charges were not authorized. I attempted to call Chase today, XX/XX/XXXX, but after being on hold for an extended period, I received a message stating that " due to extenuating circumstances, '' they could not help me at that time, and I was hung up on. I still intend to call them, but the lack of help so far makes me believe I need to reach out for additional help. I am at a loss for how they can claim that I authorized these charges after I have contacted them so many times and indicated every time that all charges to these merchants were fraudulent. I have attached a copy of the letter I sent to Chase on XX/XX/XXXX ; in that letter, I address the charge to XXXX for {$540.00} as my primary complaint, as all other charges had been removed at that time. I have also included the notice I received from Chase yesterday, XX/XX/XXXX. | ||||||
| 06/23/2017 | Yes |
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| Weve completed an additional review of your request for assistance and confirmed our decision was correct based on the documents we received. Weve enclosed a copy of the letter we sent you on XX/XX/XXXX, explaining this decision. The information regarding your experience with XXXX has been forwarded to management and will be handled accordingly. We take complaints that claim discrimination very seriously and investigate them thoroughly. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture. We thoroughly investigated your concerns and can assure you there was no discrimination in this matter. HE WAS RUDE AND VERY DISREPECTFUL AND HE DID THIS IN THE PAST TO ME WHEN WE DID OUR OTHER MODIFICATION, I THINK HE DISLIKES US. HE IS VERY JUDGEMENTAL AND RUDE. HE WASNT PROFESSIONAL AT ALL. HE HAS BEEN THERE A LONG TIME SO I UNDERSTAND THAT THE WAY I FEEL WE WERE TREATED IS NOT RELEVANT IN YOUR EYES??? apologize for any confusion regarding the date you are eligible to reapply for a loan modification. The earliest we can accept an application for review is XX/XX/XXXX. WE WERE NEVER NOTIFIED OF THIS UNTIL SOMEONE IN THE EXECUTIVE OFFICE INFORMED US OF THIS, THE MONTHS HAVE BEEN WRONG EVERY TIME WE HAVE ASKED. WE WERE TOLD XX/XX/XXXX, THEN XX/XX/XXXX, THEN XX/XX/XXXX, AND THEN WE WERE TOLD XX/XX/XXXX, EVERYONE HAS GIVEN THE WRONG MONTHS. This is because your previous modification was effective on XX/XX/XXXX. Your loan is insured by the Federal Housing Administration ( FHA ), and we must abide by their guidelines. The FHA has a strict rule allowing no more than one modification within 24 months. We apologize that you were not provided with timely information regarding the FHA modification restrictions. IM VERY THANKFUL THAT YOU HAVE APOLOGIZS, BUT THAT SITUATION HAS CAUSED US TO FALL FURTER BEHIND. THIS COULD HAVE BEEN AVOIDED IF WE WERE GIVEN THE CORRECT INFORMATION IN THE BEGINNING. THAT IS NEGLECT ON YOUR PART AS A COMPANY, YOU FAILED ME AS A CLIENT. The loss mitigation programs available to you at this time are unemployment plans, forbearance/repayment plans, modifications, a short sale and a deed-in-lieu of foreclosure. There is no underemployment or death in the family assistance programs. A refinance is a completely separate process and is not part of the loss mitigation process. WE WERE NEVER TOLD THAT PROGRAM WAS SEPARATE, WE COULD HAVE TRIED THAT OPTION IF WE WERE TOLD IT WAS SEPARATE, WE COULD HAVE BEEN APPROVED FOR IT IN THE BEINGING IF WE WERE GIVEN THAT OPTION. WE DID ASK ABOUT IT SEVERAL TIMES AND WE JUST FOUND OUT IT WAS A SEPARATE PROCESS. The Informal Forbearance is available if the account is 60 days or less past due ; the Formal Forbearance is available if the account is three payments or more delinquent and the delinquency can be cured within six months or less. WE WERE NEVER GIVEN THE FORBEARANCE OPTION. WE ASKED FOR HELP WHEN WE KNEW WE WERE GOING TO BE A MONTH BEHIND. The Special Forbearance is only for customers who are unemployed. Unfortunately, the HOPE for Homeowners and the Emergency Homeowners Loan Program ended in XX/XX/XXXX WE ASKED ABOUT THIS PROGRAM IN THE BEGINNING AN NO ONE TOLD US THIS INFORMATION UNTIL KNOW. Loss mitigation options are reviewed in a specific order. You are offered the first loss mitigation option that you qualify for. The review order, if employed, is repayment/forbearance plan, modification, short sale, and then deed-in-lieu of foreclosure. For the repayment plan to be approved, we must be able to cure the delinquency within three or six months using only 85 % of your surplus monthly income. For the repayment plan offered on XX/XX/XXXX, we took the monthly income you provided us by phone on XX/XX/XXXX, in the amount of {$6500.00}, minus the expenses of {$4900.00}, which included your current payment of {$1900.00}, which leaves {$1500.00} as your total monthly income surplus. We then multiplied this amount by 85 %. It equaled {$1300.00} as the available monthly income surplus by which we could calculate a repayment plan. We determined the delinquency amount at the time of the review to be {$13000.00}. We set the first months payment at {$1000.00} and divided the remaining balance by five, which equaled four monthly payments of {$2500.00}, and one monthly payment of {$2500.00}. Because we were able to provide an affordable repayment plan, additional loss mitigation options were not reviewed. WE TOLD THEM WE COULD NOT AFFORD THAT HIGH OF A PAYMENT AND WE WERE INFORMED TO REAPPLAY TO SEE WHAT OTHER OPTIONS WERE AVAILABLE. WE DID THIS OVER AND OVER ONLY TO KEEP GETTING LIED TO OVER AN OVER FOR MONTHS. WE HAVE BEEN LIED TO BY THE EXECTUVE OFFICE IN WHICH WE THOUGHT THEY WERE THE ONES TO HELP US? WE FEEL LIKE WE HAVE BEEN SWEPT UNDER THE RUG, UNTIL WE PUT IN THIS COMPLAINT AND XXXX DID SOME RESEARCH AS WELL. WE RECEIVED THE SAME INFORMATION FOR MONTHS AND NO ONE ANSWERED THE QUESTION WE ASKED FOR MONTHS, THAT CAUSED MORE ISSUES FOR US IN REGARDS TO KEEPING OUR HOME. WE ARE AT FAULT AND WE UNDERSTAND THAT, BUT IT WOULD NOT HAVE EXCULATED TO THIS MATTER IF THE QUESTTIONS WERE ADDRESSED IN THE BEGINNING. We have reviewed the past modification income submissions and have found various reasons why your income was not included. On some reviews, your information was not included on the Request for Mortgage Assistance. For others, we were able to use your gross income, but not your net income as your expenses exceeded your income. As you have confirmed, we were able to use your income in some of the reviews. WE INFORMED THAT MY WIFES INCOME WOULD NOT BE ABLE TO BE APART OF THE MODIFICATION, WHICH I DONT UNDERSTAND BECAUSE TO GET THE LOAN WE USED HER INCOME? THIS WAS JUST BROUGHT TO OUR ATTENTION AS WELL. If youd like copies of the documents we used as part of our review, please send a written request to : Chase XXXX XXXX XXXX XXXX, OH XXXX If youd like to reapply for assistance, please call us right away at XXXX. Well let you know the information we need you to send. Weve previously responded to your concerns we responded to your previous inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Copies of these letters are not enclosed but are available upon request. WE DID RECEIVE LETTERS BUT NO ANSWERS TO OUR QUESTIONS UNTIL KNOW. IF THEY WOULD HAVE BEEN ANSWERED OR ADDRESSED THINGS COULD HAVE BEEN DIFFERENT, AND SOME OF THE INFORMATION WAS INCORRECT.Here is the current status of the loan Your XX/XX/XXXX, payment is due, along with all subsequent payments and applicable fees. Your account is past due, but it hasnt been referred to foreclosure. If you have already made your past-due payments, please disregard this notice. Your single point of contact for any questions is the Relationship Manager dedicated to your loan, XXXX XXXX, who can be reached at XXXX. XXXX HAS BEEN WONDERFUL AND VERY HELPFUL!! I UNDERSTAND ALL THOSE REQUEST BUT NO ONE HAS ANSWERED THESE QUESTIONS UNTIL KNOW!! IF WE WOULD HAVE KNOWN WE DIDNT QUALIFY FOR DIFFERENT THINGS IN THE BEGINNING WE WOULDNT BE AS FAR BEHIND AS WE ARE. CHASE BANK LIED TO US AND DIDNT SUPPLY US WITH THE CORRECT INFORMATION WE NEEDED ON SEVARALL OCCASIONS. SOMEONE ONE SHOULD BE ACCOUNTABLE FOR THEIR ACTIONS. WE HAVE BEEN UPFRONT AND CALLED, FAXED, AND EMAILED JUST TRYING TO KEEP OUR HOME. THE LIES AND DECEIT SHOULD BE ADDRESSED. WE APPRECIATE THE APOLOGY, BUT HOW DOES THAT HELP US KEEP OUR HOME? I FEEL THIS SITUATION COULD HAVE BEEN AVOIDED IF GIVEN HIS CORRECT INFORMATION. WE ARE AT FAULT FOR THE PAYMENT GOING BEHIND, BUT IT WOULDNT HAVE GOTTEN SO BEHIND THAT WE COULDNT CATCH UP IF CHASE WAS UPFRONT AND HONEST WITH THE MODIFICATION INFORMATION. WE WANT TO KEEP OUR HOME AND WE WANT THIS MATTER ADDRESSED SO OTHERS DONT HAVE TO GO THROUGH THE HEARTACHE WE ARE. NO ONE WAS INVESTIGATING WAS WE KEPT ASKING UNTIL WE PUT IN THIS COMPLAINT AND XXXX ASKED QUESTIONS ON OUR BEHALF. I HONEST HOPE WE CAN QUALIFY FOR A MODIFICATION IN XX/XX/XXXX, BUT AGAIN WE WERE TOLD WE HAD TO WAIT TILL XX/XX/XXXX BY XXXX THEN XX/XX/XXXX BY SOMEONE ELSE AND KNOW YOU STATING XXXX? WHAT DO WE NEED TO QUALIFY IN XX/XX/XXXX? RULES AND REGULATIONS? I THANK YOU ALL FOR INVESTIGATING THIS MATTER, I HOPE TO RESOLVE IT AND CONTINUE TO WORK WITH CHASE IN REGARDS TO MY HOME LOAN. THANK YOU, THE XXXX | ||||||
| 07/22/2021 | Yes |
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| Good morning to the Department of Justice of the United States of America I turn to you for goodwill you protect the justice of our homeland United States notion of freedom and justice, I have already eradicated twice and the complaint that I am sending you has been ignored To you so that you can analyze it and please help me if it is in its precepts and annexed Federal department CONSUMER FINSNCIAL PROTETION BUREAU Please excuse me for any errors I do not speak English and I have to translate through XXXX XXXX In this complaint I also included the agency ( XXXX XXXX ) for the following reason they are the ones who have control of all movement of Chase bank and XXXX have the application that works with Chase bank in other words they have a consortium an agreement they have all the control of my credit report of my transactions my movements my history of responsibility in everything that I ask everything I receive and how I pay all my creditors in my lines of credit or personal loan and how is my personal credit process with them and With other companies to date they have not updated my credit report for this reason I re-file another complaint including them directly and send them photos of evidence from my wife 's phone since I can not capture through my Chase application because they do not allow it, and particularly these named entities did their update correctly XXXX XXXX these entities that I just named act me ualized all my report they are also very important in the credit judgment towards the banks which indicates that they did a fair job at my request as a consumer of my concern and also and also notified them that no other bank that I enjoy has been faithful loyal and excellent irresponsible paying none I lower or took away a line of credit or they lowered a line of credit to send it to you very clearly Federal agency can see it in the credit report denounced XXXX for being the credit agency that monitors you the accounts in their entirety to XXXX XXXX JP MORGAN CHASE BANK & CO. And CHASE CREDIT CARDS that means that Chase was able to monitor my accounts through them and when I asked them to please search and analyze my credit they sent me or wanted to force me to make a request what they call in the term of the bank new inquiry with a hard impact in my credit report damaging much more my experience and my credit reputation lowering my score and having again for 2 more years a credit application with them having a completely excellent extraordinary record as a client and I honor my nature of my responsibility. You can see through my credit report in the three agencies that being my excellent credit they tell me not to get out of the way another injustice and they are totally combined with Chase bank that is the reaction that I can perceive and look at today day for the analysis that I made in the follow-up of my investigation I personally hope that you can see it as a Federal agency that Protect and embrace the true justice to the consumer have not updated my credit report as I requested as a reliable consumer responsible and permanent of all my credit responsibilities until Chase bank this entity that told you and spoke to you could very cordially if they had wanted professionally investigate my credit that they have all the history they would have reacted in a fair way to my request however it was the opposite it was in a reaction of harming me of harming me in the most cruel way that I have received in my 59 years as a consumer Chase bank took a decision not convincing or pleasant or favorable to me as a consumer, In reality they did not answer in a positive or convincing way to my need in the concern of my claim about my history and credit reputation about the discrimination and personal damage that they did against me In damaging my reputation and discrediting my credit morale I will take action If it is necessary to defend my rights, my credibility and my financial status, I have worked hard to have a healthy record for myself and my family, even though I was strongly impacted by the covid 19 pandemic, I am not satisfied, I spoke with them in a friendly way. respectful and admirable, however, they did not tell me or comment, they did not tell me about a solution to my important need to solve the problem and my history is very affected by the bank Chase bank and XXXX XXXX XXXX I give you a real example I wanted to ask you to investigate how I am in my credit report with the institutions that I have credit, I asked XXXX that I am also without any arrears and in all my accounts, I asked XXXX XXXX an increase of only {$2000.00} to a line of credit that I have with them and they denied it and Their reply was that an entity had closed me down and lowered the credit limits that they could not give me the increase, and is I am going to send evidence of the letter that they sent me what is a real and true matter the damage that they have done me better evidence than there is none please take it into consideration that led me to understand the magnitude of the damage they have done to me is unheard of is cruel because I never stopped paying them a month or a XXXX in all the time I was with them they disgraced me they have made a vile act much clearer what XXXX XXXX and Chase bank have done to me my reputation has made me It took a lot of work and a lot of perseverance to be able to maintain with everything and the pandemic that I was severely affected like many citizens of the United States and also worldwide and my credit implies what is my well-being and the future of my old age and of my family to have an always healthy quality of life to be able to respond in any important act with my credit history since I am going to buy a home for my family in XXXX it is important that my person has good Acceptance of image and credibility before any bank or financial entity that I am going to request a loan with the bank that I am going to direct to request to buy a home, this is not only about the amount or the loan or the bank service if it is not the The way in which they have harmed me and my personal and family projects this implies something very personal in matters of human and professional ethics at the national level I will continue looking for alternatives for my solution my request is that they return the credit lines that I had and that I use judiciously with prudence and responsibility as a good consumer Federal agency you can study to analyze my credit and you will realize that my request is real you have the power of the jurisdiction as a Federal agency with the rules awarded by law, however I did not see that Chase bank put the necessary and appropriate importance to my need and my responsibility without caring anything to be able to to resolve this problem in a professional and friendly manner in a human capacity, please ask the government agency Federal Consumir Financiala Protetion Bureau to further investigate the injustice that was done unnecessarily regardless of its policies by the Chase bank bank for me was a cruel and vile injustice to me they have the ways and the process to be able to carry out an investigation without having to request a hard investigation through XXXX XXXX and not remove points from my credit report again And do me much more harm than what they have done to me As well as they analyze what I had to lower my credit line through them they can do it, every credit financial institution knows that they can do it internally. XXXX XXXX monitors all my accounts and changes there they can do it without hurting me more than I am without having to request my credit report again, these are the Account numbers that I am claiming again ( XXXX ) ( XXXX ) this account was taken away from me, they closed it without notifying me and without telling me anything enjoying it in good consumption and good attitude paying the full balance pending, where today it continues to send me Membership announcements of XXXX XXXX XXXX the special agent of the executive department of Chase bank who assisted me is Mrs. XXXX this is the number to contact her XXXX Ext. XXXX thank you I hope for your help for the freedom and the Judge that we live in the United States of America, we citizens or any consumer, I ask the FEDERAL CONSUMER FINANCIAL PROTETION BUREAU AGENCY, now a thorough investigation with the credit reporting agencies, I also awaited your response, thank you and God bless you | ||||||
| 05/03/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX a close family friend, XXXX XXXX XXXX ( XXXX ), asked me to help her with her finances. She was about XXXX years old then. She gave me Power of Attorney to help her pay bills and to purchase groceries. That power of attorney was registered with her local bank, Chase. In XX/XX/XXXX XXXX passed away. My Power of Attorney was only legal while she was living. Her nephew, XXXX XXXX, who had been living with her for about a year and a half took over the estate after her death. I explained to him that he needed to take care of a few of the financial things for her estate. He said he was going to deal with all of that. He didnt. In XX/XX/XXXX I was reviewing my credit card account on line. I have a couple of cards with Chase. I noticed that there was an additional account attached to my login. I immediately called the Chase credit card department to find out what was going on. I was told that this was the bank account of XXXX XXXX XXXX and asked if I knew her. I told them yes, while she was alive I held Power of Attorney for her. I informed them that she had passed away. They said I needed to go to the local branch of Chase to get his taken care of. I went to the local branch and informed them that this account should not be attached to my account because I had no association with the family any longer. I told them XXXX XXXX had passed away about two years before this visit. They contacted their securities people. The banker told me that there was nothing they could do with the information I gave them because I no longer had any legal right to any information associated with this account. She also said that the bank could not detach XXXX XXXX account from my account until the estate provided them with a certified death certificate. The bank needed to contact the estate. They suggested I hide the account. Hiding the account is an option on your accounts list, so you wont see that account when you log in. I did just that and heard nothing more about it until XX/XX/XXXX. In XX/XX/XXXX I received a large package of documents from Chase bank. This package contained reclamation paperwork from the United States Office of Personnel Management a department within the federal government that manages retirements and insurance. They had apparently just been notified that XXXX XXXX had passed away in XX/XX/XXXX and they wanted all of the retirement pay they had deposited into her account back from the time she had passed away. When Chase returned the money they returned all except {$21000.00}. That money was not in the account. The estate had allowed XXXX XXXX retirement to continue paying the mortgage and utility bills. Chase notified the United States Office of Personnel Management that they were {$21000.00} short and the incorrectly informed them that I was the one that had withdrawn the money. I took this whole package to the Local Chase bank. I spoke with a XXXX XXXX, at the time I was under the impression that he was a bank manager. As I have since found out he was just a bank representative. He told me that I should never have received this package because I was longer legally attached to the account in question. He also contacted his securities folks and they told him the same thing. He said the bank could not provide me with any information on this account because I had no legal right to the account. He said I should write a letter to the United States Office of Personnel Management and explain the situation. He further stated that if the United States Office of Personnel Management wanted any information that they would have to go through the legal channels and request it from Chase. I wrote a letter explaining that to the United States Office of Personnel Management. I heard no more from them or Chase bank until about the last of XX/XX/XXXX. I got a copy of the same package I had received from Chase in XX/XX/XXXX except this time it was from the United States Office of Personnel Management. The package had all of the same things the one from Chase bank did. I immediately took it to the local branch of Chase and asked to talk to the manager. I instead ended up working with XXXX. I do not know his last name. I explained the whole story to him. He said he would see what he could do to get his fixed. It took him about three days then he called me and said there was nothing he could do because the account was so old he could not find any information. He suggested I call the XXXX number on the back of my credit card and see if I could get a hold of someone there that would help me. I did what he suggested. After about three days of getting nowhere with that the last people I contacted told me that I needed to resolve this issue at the local branch.. In the mean time I wrote another letter to United States Office of Personnel Management. Explaining the situation again. They responded this time and basically said nothing I could say or do was going to stop them. The only entity that could stop this process was the financial institution that first incorrectly notified them that I had taken the money ( Chase Bank ). Chase would have to write them a letter on bank letter head exonerating me from this issue. I then went back to the local branch of Chase. Again I asked for the bank manager. She was too busy to help me at the time so she sent me off with XXXX. XXXX said she would see what she could do. I specifically explained to that the United States Office of Personnel Management has said nothing anybody says will stop their actions. That the United States Office of Personnel Management needed a letter from Chase on their letterhead exonerating me or they were going to proceed with their actions. XXXX said she understood but needed to still check some things out. I waited a week and had not received a phone call so I went to the bank and asked if she had heard anything. She said she had not heard anything. I then waited another week and a few days. No call. So I once again went into the bank to ask if she had heard anything. She once again said she had not heard anything. She said she would call me. I asked that we make an appointment and sit down to discuss this. She said no she would call me. Two days later she called and said she could not get any information because the account was so old. She forwarded me to another department of Chase thinking that they would be better able to assist me. I talked with XXXX in this department and was told all I needed to do was write a letter to the United States Office of Personnel Management tell them the situation and everything would be fine. I explained to XXXX that I had already done that twice and the United States Office of Personnel Management had already told me that Chase needed to write the letter not me. They needed to hear from Chase, because Chase was the entity that had incorrectly accused me of taking the money. She put me on hold for a bit then returned and asked to hold while she transferred me to the Descendant Processing Department. In this department I talked with a young man named XXXX. I explained the situation and he looked up the records. He informed that the local Chase branch had access to the same records he was looking at. He and asked why I had not dealt with them, I assured him I had tried. He told me he could not go into details because I was not legally part of that account but that he saw regular withdrawals going out of the account. I told him yes they were mortgage and utilities that were never stopped by the estate. He said yes that is what they were. I asked if he could provide a letter explaining that. He said his department did not do that sort of thing. I asked if he had a supervisor that could direct the local bank manager to write a letter. He said his supervisor had no authority over the local branch. He suggested that I contact their executive branch and gave me the address to write to them. I had already spoke to that department almost a month ago and they had told me that I should have all the records and I needed to send those to the United States Office of Personnel Management. At this point I decided that I was simply getting the run around from Chase. No single department of Chase wants to take responsibility for telling the United States Office of Personnel Management that they made a mistake in telling them I had taken the money. So I decide to contact you folks. | ||||||
| 06/01/2023 | Yes |
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| I have been a victim of identity theft fraud in the past that has never really been resolved causing me to loose all my bank deposits, funds to be stolen after they were deposited. At first whenever it happens no one seemed to know how because whoever is doing this is claiming insufficient funds before the funds become available so that when the funds are actually available after deposit, they can be stolen by withdrawal by debit so that anyone who tries to investigate would believe that the funds were never deposited and returned being returned by the banks where my funds were deposited. I am being told by some back office I constantly get routed to that I never had funds deposited into my account, that my checks deposited were returned for non sufficient funds and that my account is closed and that they have ended the bank relationship with me and that they would not be using my social security number any more to open up a account and that they don't have to tell me anything about my account or my funds, to contact my other bank where they have returned the funds to, After my funds got withdrawn on a transaction by way of debit. I also have proof of the original transaction that were approved originally, and the hold was placed so that no-one would try to take the funds in advance from any of my available balances on XXXX XXXX XXXX However on XXXX XXXX even after my deposit was processed and approved, I was given a date of my funds availability for XXXX XXXX XXXX, and there was a hold so that no-one can try to take the money in advance from my available balance, somehow someone did it anyway to make it appear that the transaction had declined they had not and did not. on XXXX XXXX after speaking to a bank representative explaining my concerns, He verified my information and said that it appeared that my bank account and debit card was being compromised, my debit card was already activated before I had received it, the representative said that the debit cards never have a pin already, that I would have to activate it and create one. He said that at time at the branch if your getting a credit card which I do not have although I was approved I did not take it because I do not want debt I prefer to pay in full, the representative said that only a credit card can be activated before I receive the card, but that is not the same for a debit card. He said that he could close that account and reopen me a new one and send out a new debit card and that my account would be protected. I told him at that time I was receiving a deposit and the funds were scheduled to be available in my account on XXXX the first and I wasn't sure what would happen to my deposit and that I needed it, I had already had enough deposits lost from being stolen and that I wanted to be sure that I received my deposits. That is when the bank customer service rep said that I he understood my concerns and said that I should place a block on the funds deposits, because it seemed that my account and debit card may be compromised that if I place the block, it would prevent anyone trying to steal the funds when they were deposited from being able to take it right away, which would give time for me to actually see when the deposits come in, because without the block, sometimes the funds are stolen so quickly and covered up to make it look like there were never any deposits that usually people do not have proof. So he placed the block and told me to watch my account. He also verified the deposits and the funds availability date and the bogus account closing letter I received on XXXX XXXX that my account was not closed and would not be closed and was a computer generated letter, because someone had attempted to try to take the money from my available balance even though they had instructions not to try to take any money in advance from any of my other accounts until the deposited funds were available scheduled for XXXX XXXX and a hold was placed on XXXX XXXX so that they do that. Even though instructions were in place, someone still tried and generated a declined transaction letter although the funds deposits were approved and good. that was a violation in itself to ignore the hold. After 5 days of monitoring my account and speaking to different customer service reps about my accounts, on XXXX XXXX in the middle of the night I received the deposits into my account which went from present to avail. I could not move them because I had the block on them and had to call when the customer service opened because it is not 24/7. By XXXX XXXX when I woke,I saw that my deposits were gone and my available balance of XXXX was gone and at XXXX I began notice as I was on my account, other information was actually disappearing, whoever withdrew my deposits, was erasing the deposits with new information to make it appear that the deposits never came and that the funds were returned to my other bank account and they posted my deposits as NSF although my funds are very sufficient as they were approved and eventually deposited, even after the date that someone said the funds were returned for NSF. Which I knew was not true. I called my other bank that the bank where my deposits were actually deposited and stolen by withdrawal by debit, said they returned my funds to although they said no deposits were made and I was told no deposits were ever received because there was NSF, to verify this and was told no, That no deposits were returned, that no funds deposits was ever returned to my account, which I know is not true because they were never NSF and were actually deposited is what the representative wanted to make me believe and that my account was closed even though I explained what was happening to me and had been happening for years from other experiences I have had in the past loosing all my deposits, over paying, being scammed, my deposits were being stolen and redirected away from me leaving me to go without and have my property assets stolen etc. yet every time I make a complaint to the business or agency, they have false records they submit to have the case closed and no-one investigating ever really looks into how this is happening and they also never really read or follow the law that would empower them to fully protect my identity, my accounts and all assets I would otherwise hold and have on my own. They rather create a false narrative I dont have so they can take and keep my benefits to their benefit which would otherwise not be happening. This is the most recent yet now obvious experience as evidence that this is happening to me causing me loss and damage that I can not funky describe in this email yet if you put all my other reports together and actually verify my complaints which can be verified. maybe not verified by those in organized positions who may be behind this and responding as nothing is wrong and presenting falsified documentation looking real to have the case closed is not fair at all. my deposits have been stolen now and redirected somewhere else for over 20 years now, even up to this day, forcing me and my children to have to sleep outside if we can not secure a hotel room all while I on my own try to avoid this for us because we otherwise would not be forced to or have to experience this damage and traumatic experience at all. I would actually receive my available balances after deposit and they become available. I am not sure why someone is withdrawing my deposits by way of debit, and trying to pass it off as a decline and return for NSF, and mess up my account in good standing but they are doing it after gaining my deposits. And not trying to protect my account and return my available funds back to me as the policy says my account is protected from fraud and identity theft. I do not understand how so far anybody who has received the deposits are able to do this. I already have a police report on file about the identity theft and a ftc report and identity theft affidavit, yet it seems like nobody is taking this as important for my safety and protection. but instead seem to be allowing whoever withdrew my available deposits for my use, to keep them for themselves, making any organizations that they meet obligations of look bad. Yet it is whoever withdrew them and trying to make it look like the deposits never came causing me to be effected in a negative way is really bad. | ||||||
| 02/10/2022 | Yes |
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| I have business and personal accounts and credit cards with Chase. The fraud occurred on my business account which has been open since XX/XX/XXXX. On XX/XX/XXXX at XXXX, I was sent an email from Chase notifying me that they processed my request to change my email address. I did not request to change my email address. I tried to log into my Chase app with my Face ID and could not get into my account. I went home to try to log in on my computer, and I still could not get into my Chase account. My password was not working. Upon trying to reset the password, I was given an option to have a code texted to my cell number. There was an additional number on my profile ending in XXXX. ( See attached ) This number does not belong to me, and I dont know who it belongs to. This number was added to my account by the person who illegally accessed my account. When I got into my account online, there was also a XXXX email address added to my account that does not belong to me ( see attached ). There were no fraudulent transactions made on my account at this time. I removed the email and phone number that was added to my account. I contacted Chase, and they shut down online access and instructed me to go to the branch the next day with two forms of ID to get access to the account online. On XX/XX/XXXX, I went into a Chase branch and spoke with a banker. I showed my two forms of ID, and we set up a new password for my account. On the evening of XX/XX/XXXX, I tried to log into my Chase app with my Face ID on my cell phone and was not able to get into my account. I tried again on my computer and was still not able to get into my account. I reset the password and logged into my account. There were 7 Online ACH Payments made on my account, totaling {$10000.00} ( see attached ). Individually, the charges were {$500.00}, {$500.00}, {$1000.00}, {$3000.00}, {$3300.00}, {$990.00}, {$990.00}. The {$3000.00} and {$3300.00} Online ACH Payments were automatically returned by Chase as they suspected fraud ( reflected in blue on the 1-24 screenshot attached ). This left the total fraudulent Online ACH Payments at {$3900.00}. I transferred the balance {$7200.00} left in my account to my credit union to avoid any other transactions being made. I did not see any new emails or phone numbers tied to my account at this time. All of my alerts within my account were turned off, so I was not notified of any transactions or low balance alerts which I previously had set. I contacted Chase and we turned off the online access again. Claims and Fraud departments were closed at this time. On the morning of XX/XX/XXXX, I called Chase and filed a claim with them over the phone. After that, I went back into the branch, and spoke with the same banker. He first suggested that I open a new account, but then he said the new account would be tied to my existing profile so it wouldnt help. He said hes seen this before and that Chase wont help, and that I should open an account at a new bank. I set up a completely new email address, not attached to anything, and we set up completely new usernames and passwords while I was at the bank. When I left the branch, I went to open a new bank account for my business with another bank. Chase temporarily refunded the fraudulent charges totaling {$3900.00} for the following XX/XX/XXXX transactions ( {$500.00}, {$500.00}, {$1000.00}, {$990.00}, {$990.00} ). I ran a Malware check on my computer and there was nothing. I added all notifications back to my account and also added the ACH approval and other recommendations Chase makes to protect your accounts. I also added 2 factor authentication to all my emails and accounts. I consistently get paid by vendors and it takes time to transition those payments so there was still a small amount of money in the account. On XX/XX/XXXX, my account was accessed yet AGAIN! I received a text notification that my balance was below {$500.00}. When I tried to log into my account, I couldnt. I reset the password and logged into my account. This time there was an additional email added onto my account. ( See attached ). There was also 6 Online ACH payments made to one individual totaling {$5100.00}. Individually, the Online ACH Payments were {$990.00}, {$1000.00}, {$980.00}, {$1000.00}, {$900.00}, and {$300.00} ( see attached ). All of the alerts except the one I received letting me know the account was under {$500.00} were turned off my account as well as the ACH approval that I just put in place. I contacted Chase immediately, and they were able to reverse the charges before they fully processed. These charges didnt go through because I caught them fast enough and the fraud department was still open. Chase shut down the online access again, and it has been shut down since XX/XX/XXXX as I dont trust it anymore. I have had to handle all my banking needs in person. On. XX/XX/XXXX, I received a text message that my account balance was $ XXXX. I immediately went into a branch to see what happened, and Chase had reversed the {$3900.00} that was fraudulently taken from my account on XX/XX/XXXX for amounts {$500.00}, {$500.00}, {$1000.00}, {$3000.00}, {$3300.00}, {$990.00}, {$990.00}. The international call center rep with limited English that we were connected with in the bank branch couldnt offer any information except that they were sorry for my inconvenience 50 times and the claim was denied. No detail whatsoever. So I went home and contacted Chase and was left on hold for 1hr 51 minutes ( see attached ) with no representative ever coming back to the phone. I called from another phone and was on hold for 3hr 3 minutes ( see attached ) with no representative ever coming back to the phone.. Simultaneously, I went to the bank branch near me, and after a 30 minute wait, one of the bankers called and was able to get a supervisor in the claims department on the phone. At XXXX, I spoke with the supervisor who could clearly see that this was obvious fraud on my account, and she said she was going to get the claim re-opened. She also said that the claim was denied because there was a new device added to my profile before the claim was filed. I told her the two devices that I use on my profile and if there was another one added that was fraudulent. She also said the claim was denied because there was insufficient documents to support the claim was valid. Chase never notified me if they needed additional documents. The supervisor put me on hold to get the case re-opened, and after 15 minutes of being on hold, the call was dropped. The branch was already closed at this time as it was after XXXX. So defeated again, I went home to try again the next day. The next morning, XX/XX/XXXX at XXXX ( see attached ), I called Chase again and spoke with a supervisor who agreed that the case should be re-opened, and she re-opened my claim. This has consumed both my life and business for the last 3 weeks. I have not been able to operate my business, I can not receive my vendor payments, I can not focus. The way I have been treated as if I am the criminal has me in disbelief. Financially, as a small business I can not sustain these losses. I can not pay my vendors and team because of what has happened to my account. I have spent countless hours, lost sleep been highly stressed, and as someone with lupus, this stress can be detrimental. There were so many red flags for Chase to flag these charges. The changing of emails, phone numbers, passwords and removing alerts should have flagged my account. All the sudden ACH payments should have flagged my account. I never make ACH payments from my account. That is simply not typical account behavior for me. Why would I pay the same person 7 times in a row? There were too many red flags, and Chase is absolutely not protecting its clients. Consumers are not safe here. Chase is on the side of the scammers. Where are the checks and balances? I have had my accounts for 7 9 years between them. I have credit cards with Chase, I have good credit, I have a business. Why would I jeopardize my own accounts? Now, I will be forced to go into a legal battle with a huge financial institution. I have more than enough documents to prove my case, especially, since Chase flagged two of the charges as fraud themselves. Chase is absolutely negligent in protecting their customers and in their fraud protocols and approval process. | ||||||
| 05/24/2022 | Yes |
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Web | |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX claim numbr : XXXX and also Claim numbr : XXXX Dear Sir/Madame, Around XXXX of XXXX, I noticed authorized activities clearing funds from my business checking account at Chase Bank I visited the main branch on XXXX XXXX in XXXX, Ca and reported the charges as unauthorized and was told that they will investigate and get back to me Later, I noticed additional unauthorized amounts also clearing the account between XXXX through end of XXXX Again, I walked in to the bank and waited for approx 45 min in order to speak with a banker, who in return told me he'll need to have my account representative reach out to me in order to rectify the issue Sometimes in XX/XX/XXXX, additional unauthorize, and this time, charges also cleared the account, leaving me no choice but to contact a legal office who suggested I place a written complaint, this time On XX/XX/XXXX, I contacted Chase bank fraud department and provided them both via telephone and in writing details of these transactions which now totaled over {$43000.00} ; I was very cleared when speaking with chase rep that I had previosuly reported these charges to the Bank in person, and reported them as un-authorized/fraudulent. I was asked to go to the bank again, and to provide the bank the written detailed transaction sheet which I had prepared ; that included all amounts, dates of transactions, to who these online transactions were made to, etc. I was asked to have the bank representative fax them a copy since apparently they cant receive a fax directly from me. I was asked to wait for them to investigate the matter and write me back. I was also suggeted to close the account and reopen another one and to link them together I went in to the bank that same day I contacted the Fraud department several times the following weeks for updates. As of XX/XX/XXXX ( through end of Chase ), Chase started writing me to say they have investigated the charges reported, and will not be crediting back my account ; each of the letters referred to one or more of the reported unauthorized transactions, The reasons they provided for their decision were ALL UNCLEAR and did not provide details of the investigation they claim they had done and concluded ; Here are some examples of what they wrote : A ) In the denial letter dated XX/XX/XXXX, chase wrote : " We researched the transaction you reported and we are unable to credit because the transaction occurred more than 60 days ago, which was XX/XX/XXXX '' Please note I was at the bank since XXXX of XXXX reporting these charges, as well as provided a written detailed report on XX/XX/XXXX. which is " LESS THAN DAYS ' IF TRANSACTION HAPPENED ON XX/XX/XXXX AND WAS REPORTED AS FRAUD ON XX/XX/XXXX I called the fraud line and asked about this logic, and the representative said " OH, I see, I am not sure why the they declined it, so I suggest you contact you main branch!! '' '' '' SaME ROLLER COASTER, AGAIN B ) Denial Letter from chase dated XX/XX/XXXX fails to properly address the " finding of the investigation '' : We found the transaction was processed according to the information you provided or was authorized " Please note that I TOLD/WROTE MANY MANY TIMES, that I NOR OR known processed or authorized these transactions!! So what does this mean and how did they determine that the transaction " WAS INDEED " authorized, they couldnt tell me when I called AGAIN! C ) Another denial letter dated XX/XX/XXXX : NO CLEAR response was provided ; the letter read : Thank you for requeint thge information we used to deny all or part of your claim. We researched the disputed transaction ( s ) carefully and denied your claim based on the results : CLAIM WAS DENIED BASED ON INFORMATION WE HAD AVAILABLE TO US IN OUR INVESTIGATION ; YOUR CLAIM WAS DENIED BASED UPON A REVIEW OF ACCOUNT ACTIVITY '' Dear Sir/Madame : " What exactly does " DENIED BASED UPON A REVIEW OF ACCOUNT ACITIVITY '' means? From my point of view : I see this : I noticed a transaction for an amount I did not recognize or authorize ; I claimed it as such and asked them to investigate it and credit my account ; I asked what safety procedures/measures/software/etc. Chase use in order to protect the funds in the consumer accounts, they couldn't answer. I asked what measures they took to investigate, they couldn't answer In addition to all the above, I was provided " IN WRITING '' the names of the people the Funds went to ; Here are the details : Funds Details reported as fraudulent/unauthorized : Date of transaction : Drawn by ( Institution ) To Account name : Amount XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$6500.00} XX/XX/XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$3100.00} These above charges were provided to Chase and reported as unathorized/Fraudulent Chase online banking and later their representative, as well as the denial letters they mailed me, ALL included the names of the institutions and or names of people to who's accounts the funds, my busness 's funds, credited their accounts I do not know these people ; I do not have any knowledge as to how they were able to even have access to my account, and to 'SUCCESSFULLY BE ABLE TO PAY THEIR BILLS " ALL THAT EASY!!!!! Afterall, If I am to use my online system to make a payment, I have to enter a code, a passcode, a proper email address, a physical zipcode and phone number, and sometimes more, just so I can make a transactation successfully!! How is it that these people were able to make these transactions successfully???? And since Chase is the ONE TO PROVIDE ME with the institutions names and peoples name, and address to some of them, why DIDNT CHASE GO AFTER THESE PEOPLE OR INSTITUTION!! I reported the claims in less than 60 days from the date of the transaction, per their policy I contacted all the above institutions and reported these transactions as fraud : these institutions all instructed me to contact Chase so they can reverse the charges if indeed inaccurate Or un- authorized. These institutions promised they will handle this issue gladly,!! < but Chase must contact them, they can do it with me, since Chase is the creditor in this situation and not me! So I kept on calling Chase and asked if I can speak with their investigation department inn order to obtain answers and updates on how they performed their investigations, and whether they contacted these institutions and attempted to get my money back ; I was told they don't have a way to that department!! So I continued my research, and I was told to speak with XXXXhase Division manager ; I did ; Spoke to him on the phone, and he greatly sympathized with me but apologized saying " I am not involved in this kind of matters, but I will write the executive office and ask they call you " Indeed he did Two weeks later, I received a call from Chase executive office, and which I sadly couldn't answer ; the person left a name and number, to which I called three times within one week and left three voice mails asking for a return call, and so far, nothing!! It is very sad to say that it is very clear that Chase does not care nor have interest to provide me with a valid reason or clarification to this matter On XX/XX/XXXX, Chase credited my account for two sums : 1- {$1800.00} 2- {$13000.00} On XX/XX/XXXX, Chase REVERESED the credited amount of {$1800.00} and left the {$13000.00} in the account I called and questioned their action, both credit and debit, and again, they were unable to give me a clear answer So I write to you today, with great hope that you would have the will and interest to steer their will in fairly handling this situation ; In truly and fairly act as the holder of my business assets, to which we need ever so much these hard days, and which we worked so hard for ; I hope that you would look into this matter seriously and unlike what Chase did and to give this issue a fair resolution and to hopefully be able to get me the answer and results I deserve thank you XXXX XXXX XXXX XXXX ( XXXX ) XXXX Direct line | ||||||
| 05/09/2018 | Yes |
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Web | Servicemember |
| I have a very serious problem involving a VA loan currently being serviced by JPMorgan Chase. All previous efforts to work with Chase to resolve this matter have been unsuccessful. My father-in-law ( XXXX XXXX XXXX ) obtained a VA loan in XX/XX/XXXX to purchase a house after the death of his wife ( my mother-in-law ). He wanted me, my husband ( his son ) and our family to live with him and take care of him the rest of his life but he died unexpectedly in XX/XX/XXXX. Nonetheless, we continued to make the monthly mortgage payments on my fathers VA mortgage as he had done because we inherited the house through his last will and testament in XX/XX/XXXX. Unfortunately my brother-in-law, the estate executor, began interfering with the mortgage assumption process with Chase. Unknown to us at the time but later verified by the local USPS office in our hometown, my brother-in-law used his letters of testamentary from the probate court to have mail addressed to our home forwarded to him. As a result, all mail sent from Chase to us went to him and he did NOT forward anything to us. Eventually, my brother-in-law was able to stop Chase from accepting our payments, speaking to us about the mortgage, or doing anything for us since we were not listed on the mortgage and did not have the deed to the property at that time. However, prior to the end of our contact with Chase, I personally made numerous calls to Chase from XX/XX/XXXX-XX/XX/XXXX, most of which have been documented. During those calls to Chase, multiple representatives during that time period informed me that they were holding approximately {$18000.00} of mortgage payments we paid to them on behalf of my father in a special account which they would not credit to the mortgage until our loan assumption paperwork was processed and the deed to the property was received ( these facts were confirmed by the attorney we had working on this matter at the time who spoke directly to JPMorgan Chase representatives via phone in XX/XX/XXXX ). Chase has since been forced to admit to us that every Chase representative we spoke to during that time provided me with false information ( see CFPB Complaint XXXX ). In early XX/XX/XXXX, we were able to submit all of the required paperwork to Chase and were approved to assume the mortgage pending receipt of the deed to the property, which could only be issued by my brother-in-law. Unfortunately, he refused to issue the deed for personal reasons ( a serious breach of his fiduciary obligations and in direct violation of my father-in-laws will and Georgia law ), so my husband and I have had to file bankruptcy to stop all foreclosure efforts on the property by Chase. Thanks to the efforts of our current estate attorney, we were finally able to obtain the deed to this property in XX/XX/XXXX. Unfortunately, since it had been so long since we were approved for the mortgage assumption ( two years ), and Chase refused to accept our payments in the interim, the deed no longer is enough for them and they are trying to foreclose on the property again on XX/XX/XXXX. During a previous foreclosure attempt by JP Morgan Chase in XX/XX/XXXX, we were sent documents through our bankruptcy attorney from Chase informing us that we had a new dedicated relationship manager ( XXXX XXXX ) at Chase. Within these documents was a Request For Mortgage Assistance Form. The letter from the relationship manager instructed us to complete the form and submit it to their office at the address provided in XXXX, Colorado along with other requested documentation, which we did via certified mail, signature required ( see attached documentation ) and fax, all many days prior to the stated deadline. We have proof from the USPS that the mortgage assistance form and all requested documentation was received and signed for a representative at by JP Morgan Chase at the address indicated on the form days prior to the deadline. We also received another letter through our attorney from another dedicated relationship manager ( XXXX XXXX ) at Chase in XX/XX/XXXX requesting that we respond to a Request For Mortgage Assistance Form which we did so immediately once more. Unfortunately, even though we submitted all of this information and the mortgage assistance application to Chase more than three times in the fall of XX/XX/XXXX we never received one single response from ANYONE at Chase regarding the application ( not by letter, phone, or email ). In XX/XX/XXXX, after communicating with White House staff and the office of U.S. Senator XXXX XXXX ( a member of the U.S. Senate Committee on Banking, Housing, and Urban Affairs ) we were eventually directed to XXXX XXXX at the Veterans Administration ( XXXX ). She communicated with Chase and then informed us to submit all of our documentation from our previous Request for Mortgage Assistance applications in the fall of XXXX to Chase once more, which we did on XX/XX/XXXX. However, our attorney instructed us to communicate with Chase only in writing, and inform Chase representatives to contact him directly for an immediate response since Chase previously admitted to us that their representatives gave us false information for more than two years. Therefore, to avoid being taken advantage of or misinformed again by Chase, our attorney wanted to handle the communication himself and get everything in writing. Consequently, along with the Request for Mortgage Assistance application we submitted to Chase again on XX/XX/XXXX, we included the contact information for our attorney and directed Chase to contact him since he is working on our behalf. Our attorney has received no response from Chase since that time, and the only communication we have received from Chase has been a letter from XXXX XXXX dated XX/XX/XXXX in which she states that our Request for Mortgage Assistance was turned down because we did not receive all of the documents we needed within the required time frame ( apparently less than 30 days ). If Chase would have contacted us by letter, fax, or email ( or contacted our attorney by phone or email ) about the need for additional documents, we would have eagerly provided them with what they desired. However, without communicating with us or our attorney, they simply declined our application for Mortgage Assistance and sent us a letter informing us that Chase has rescheduled our foreclosure for XX/XX/XXXX. Obviously, working with dedicated relationship managers at JPMorgan Chase has not helped because they do not communicate. As a result, we need additional outside assistance to save the home we inherited from my father-in-law, which is the only home we have and the only home for our family. If there is anything you can do, or if you can forward this matter to someone else who can assist us in persuading Chase to postpone the XX/XX/XXXX foreclosure and work with us through our attorney to resolve this matter once and for all, we would be most grateful. We can provide additional information about Chase and our longstanding problems with them if needed. Recent efforts by our attorney have resulted in the finalization of my husbands inheritance, and he is scheduled to receive 57.755 additional acres of land adjacent to the property in foreclosure ( approximate value $ 500K twice the mortgage balance ) once the deed is issued to him in the coming days. According to our attorney, we should have the deed to this additional acreage within the next three weeks. At that point, the land could be used as additional collateral for a loan to pay off the arrearage on the Chase mortgage and bring it current, or the land could be sold if needed to pay off the arrearage or even the entire mortgage itself. We also have people interested in helping us develop the land, an opportunity which could generate significant additional funds to resolve the arrearage and mortgage issue with Chase. We do not have much time to work out this matter before final decisions will need to be made regarding the pending foreclosure by JP Morgan Chase on XX/XX/XXXX. Any assistance you can provide in even postponing the foreclosure until we receive the deed to the additional acreage ( valued at approximately $ 500K ) would be very helpful and deeply appreciated. Thank you for taking time to consider our problem and please let us know if you can help in any way. | ||||||
| 10/05/2019 | Yes |
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Web | Older American, Servicemember |
| Please NOTE : A copy of this complaint is being emailed to Chase CEO Mr. XXXX at XXXX, XXXX, the VA, XXXX Ceo XXXX XXXX at XXXX and the news. A paralegal is helping me draft this letter/complaint. I am a XXXX yr old XXXX Vet & XXXX XXXX recipient, Chase bank has been discriminating against me due to my " healthy '' age and has caused me tremendous stress, financial loss, defamed my character and embarrassed me in front of my neighbors. Due to my injuries I was given a medical leave but refused my medical leave and although I suffered from XXXX XXXX, rejoined another unit in XXXX to finish the war. Although I qualified for VA benefits I did not apply for them for over 50 yrs because I felt other soldiers needed them more. Only after the death of my wife a few yrs. back did I finally apply to honor her dying wishes. See the XXXX story : XXXX XXXX XXXX " XXXX said he didn't previously ask for benefits because so many soldiers from XXXX XXXX XXXX needed what money was available more than he did. But now that his wife has died and his XXXX XXXX XXXX, XXXX said he needs help. XXXX is a happy-go-lucky man who volunteers at a senior center to keep the elderly entertained. He's suddenly in a situation that makes him very sad. " As she was dying, she said, 'Make sure you go on and apply, ' '' XXXX said. " I promised her I would. '' He promised his wife that he would apply for military health benefits that he said he deserves due to an injury he sustained during his service. '' HISTORY : Since it is more difficult for me to drive and carry heavy items, a family member suggested I do most of my shopping online and have my items delivered to me. I joined Amazon, XXXX, XXXX & XXXX, i did not know how convenient and fast online shopping was. XX/XX/2019, While on amazon I received an offer to apply for their rewards card, sure why not. It was the Chase Amazon card I now have and yes it is in my possession. I did not get an instant approval, I was very surprised as my credit score is over 800. If i could not get an instant approval with a credit score like that than who can? Chase sent me a letter confirming my credit score was XXXX, but they needed more time. XX/XX/2019, I received a letter from Chase stating They could NOT confirm my information. Note : in 70 yrs I have never had anyone claim they could not confirm my information. I am a very simple person with a very simple life. Lived at the same home for over 50 yrs. I have used only 2 phone numbers over the last 15yrs. I have had only 2 email addresses in my life. This is the information I gave Chase. Chase asked me to fax them SPECIFIC INFORMATION that they needed to know exactly where i live. REMEMBER I HAVE ONLY LIVED AT 1 ADDRESS MY ENTIRE LIFE AND THIS IS THE ADDRESS I PUT ON MY APPLICATION. Chase said here is what we need ( see letter i am attaching ) * Unverified or missing date of birth, please provide proof of dob. * Proof of current billing address * A copy of this letter On XX/XX/2019, I went to a XXXX XXXX location and faxed them a copy of my drivers license, current XXXX utility bill and their letter as they requested. XX/XX/2019, Chase sent me another letter, claimed WE NEED NEW DOCUMENTS TO CONSIDER YOUR REQUEST Chase claimed what I faxed them was illegible I knew That was a LIE. ( I had copies also faxed to my attorney those came out completely legible ), could not understand why Chase would lie to me like this and make this process for someone my age so difficult. XX/XX/2019, I went to the same Fed Ex location and re-sent the same documents, but also added my XXXX XXXX XXXX energy bill. AS a result of what Chase was implying, I became concerned that information on my credit reports were incorrect or hacked and changed in some way. Therefore I contacted my attorney again and he suggested to pull all my credit reports. I paid her {$250.00}, she pulled XXXX, XXXX & XXXX. She also pulled from a company called XXXX. Everything was accurate including my DATE of BIRTH! * ALL MY INFORMATION WAS reporting ACCURATELY! My attorney suggested Chase did not want to give me credit due to my age, but could not decline me with a credit score as perfect as mine. So another way for them to discriminate against my age & deny me credit would be to make the process as difficult and inconvenient as they could, hoping I would give up or cancel my relationship with them. She said it is the identical procedure insurance companies use and were busted for a few years back. XXXX XXXX was busted for using this procedure called XXXX. I was very disappointed to hear this, it actually, in a way broke my heart. To think of a country I served and sacrificed for, fought for even through injury. Came home from the war to live a quiet, honorable life. For the largest bank in the world, with a CEO Mr. XXXX, who America hails as the best CEO in the world to implement a policy like this, a policy by design created to cause harm to someone like me Yes, it did break my heart. I feel forgotten, written off, disrespected and unwelcomed. XX/XX/XXXX, finally received an email from amazon of my approval and that I could use up to {$5000.00} immediately, so I placed an order for under {$300.00} had the items delivered to MY home address. XX/XX/2019, I received my Chase Amazon card and made a purchase for about {$180.00}. On XX/XX/2019, at about XXXX I went to my credit union ATM to take out money. I entered my correct pin but was declined, receipt said : I could not use that location for the transaction. So obviously I thought I could not use my XXXX Chase at credit unions. Later I went to XXXX XXXX and was declined, The much younger gentlemen behind me in line offered to pay my bill. This was very embarrassing for me. I thanked him, but said I can pay my own bills and paid with my other card. Understand, going back at least 40 yrs. I have never, ever had a transaction declined, hence my CREDIT SCORE is over 800! Chase has now restricted my account implying I am not the one using my card. I have only made 4 or 5 attempts to use my card over a 10 day span and only 2 attempts since obtaining the physical card. I have even contacted them through my Chase accounts Online secure feature at least 2x confirming I have my card and all the purchases/attempted uses were me. Regardless of those and the following facts & proof how chase has played games with me. 1. I Confirmed receipt of all documents mailed to my address 2. Twice I faxed over my drivers License/ utility bills and a letter they mailed to me All online purchases were mailed to my home address 3. I activated the card from my listed phone number and confirmed I received it through Chases secure online portal. *****PLEASE TELL ME WHAT THE XXXX IS UNUSUAL or SUSPICIOUS? ***** 4. Each message I have sent to Chase their response does not answer any question but passes me along to another department to wear me down. 5. I have attached copies of those messages. 6. Chases latest response claims someone will call me. I am sure that someone has no intentions to resolve this issue but to spin me more. On a personal Note : I fought for this country because I loved this country, loved the leaders who represented the United States of America, the people who represented our country and the corporations who represented our country. I was willing to sacrifice my life for our country. Today, I can honestly say I would not fight for todays AMERICA, for todays corporations for todays leaders. I am embarrassed, sickened and fearful for where a country I once loved unconditionally is heading. For the people who read this, please, I beg you do not allow what was once the greatest country in the history of civilization to implode! I can assure you if people refuse to stand up, refuse to do what has always been right, refuse to demand better, the deterioration of America will be irreversible. ***NOTE : My Attorney strongly urged me to demand all correspondence in written form. I will NOT discuss this issue over the phone. I want a physical record of all dialogue and the surest way to accomplish that is by email. USPS or any other written form. However, I am willing to bet Chase will continue to attempt to correspond with me over the phone so that they can control all the evidence and simply play the ignorance card. | ||||||
| 07/20/2022 | Yes |
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Web | Servicemember |
| XXXX XXXX Bank and XXXX made the false statement that XXXX was the beneficiary in the loan I first had with XXXX XXXX XXXX ( XXXX ) that was sold to Washington Mutual Bank ( WAMU ) on XX/XX/XXXX, who on XX/XX/XXXX had my loan accepted into their XXXX XXXX XXXX relinquishing the Mortgage Note over to XXXX using the XXXX procedure of blank endorsement of the Note which is shown on the Mortgage Note as it reflects since the day the mortgage loan was accepted and is the last entre on the document. The Deed of Trust in this case if it were delivered and recorded by XXXX on or before XX/XX/XXXX, would be valid to be recorded as XXXX did hold the mortgage loan debt, however, after XX/XX/XXXX, XXXX was paid in full by Washington Mutual Bank ( WAMU ) who became the beneficiary and was a active member of XXXX so there would have been the ability in that system under the recorded DOT that must have recorded first at the local level to start the XXXX process. Even if the DOT was recorded legally ( which it was not on XX/XX/XXXX ) as XXXX by not owning the debt on XX/XX/XXXX, having sold the debt on XX/XX/XXXX to WAMU did not possess the ability to place a lien against the property. This is a real estate matter and under the DOT is about the lender and it's successors in the lending of monies on the property located at XXXX XXXX XXXX XXXX XXXX ( not XXXX XXXX ) which XXXX XXXX nor XXXX XXXX purchased the debt. The power of the Mortgage Note does not XXXX XXXX to foreclose as they are owners of the Mortgage Note for a lifetime because they don't possess the ability to transfer the Mortgage Note which was transferred to them under XXXX with no sale of the debt occurring so the are not entitled to repayment of a debt because they did not purchase the debt from XXXX. Now the problem occur here on XX/XX/XXXX, when XXXX who is acting as the mortgage servicer and XXXX of records but the lender they were working for due to the servicing agreement on XX/XX/XXXX, stop existing as they were declared a " failed bank '' on XX/XX/XXXX, at which point XXXX XXXX purchased the bank but could not purchase the XXXX XXXX Fed Gov backed loans of XXXX because XXXX owned the mortgage Notes and would lose the like underlying collateral for the MBS they are insuring. XXXX realizes it has a problem and instead of using in-house attorneys to handle this case, they use the foreclosure mill firm of XXXX & XXXX to handle the case to be able to deny knowledge of exact title holder in the matter. The outside law firm who's attorney XXXX XXXX XXXX also as XXXX Assistance Secretary and creates the fraudulent Assignment of DOT which states that XXXX " paid '' value for my mortgage loan on XX/XX/XXXX of before and had it recorded that XXXX was the beneficiary and XXXX was able to state this due to the DOT, and allowing the ability to non-judicially foreclosure. However, as XXXX did not pay value and is not a beneficiary of the debt which stopped being a collectable debt when XXXX stopped existing as they could not complete the two party only mortgage loan contract. Wells while foreclosing at first was representing itself as the lender but a few days before the foreclosure when I was asking about my XX/XX/XXXX, request of the VA XXXX was not being process, XXXX informed me that there was an investor that owned my mortgage loan but for privacy reasons could not inform me as to who was my lender. So before the foreclosure XXXX admits to no being the lender and they and XXXX have lied on the documents they submit on XX/XX/XXXX, to XXXX XXXX XXXX of Deeds and myself that they were the lender that had paid value when in fact they had not paid value. XXXX later admits in a letter dated XX/XX/XXXX, that XXXX was the owner investor they were working for and on XX/XX/XXXX, purchase the " XXXX '' from XXXX. Let understand that XXXX has already stated and acted on the non-judicial foreclosure as the owner of the debt, which non-owners don't have the ability to put themselves in the lien position to foreclose for another because they are not owe a debt. If there was an actual holder of the debt just as XXXX and XXXX are representing XXXX they would have represent XXXX or any other entity that was claiming to be the owner, as with XXXX who was not and did not have to be physically present and is not physically present at the foreclosure. Now what happens on XX/XX/XXXX, the day XXXX is talking about they purchased the " LOAN '' is the repurchasing of the debt the XXXX owes the investors of the XXXX XXXX XXXX XXXX that they borrowed against the " securities '' they invested in that XXXX is the insurer of. That the property is the collateral for the XXXX XXXX VA mortgage loan which resolved itself in with the foreclosure and VA XXXX XXXX XXXX claim and the fact that all XXXX XXXX VA mortgage loans have a non-disclosure clause the real estate matter is over and no additional monies are due from me after the foreclosure on XX/XX/XXXX, as is show over the last decade where no demand from XXXX of a delinquent balance as the XXXX XXXX VA purchased the property on XX/XX/XXXX, Now what loan that XXXX is requiring the lender/issuer of the XXXX is the loan taking out by WAMU after the mortgage loan was attached to the WAMU XXXX XXXX XXXX and that is a loan that WAMU solely was indebted too, that I was not a party too or knew anything about. Wells who does not possess any proof of ownership of the VA Mortgage Loan I was granted on XX/XX/XXXX, and is well aware that WAMU purchased that mortgage loan from XXXX on XX/XX/XXXX as they are where the mortgage servicer up until WAMU died on XX/XX/XXXX, and were responsible not only to WAMU but to myself as the servicer to ensure fraud of the account took place. XXXX can not now come and say they did not know who owned what and not mention that WAMU is in the chain of ownership when in fact XXXX was the mortgage servicer and custodian of records! XXXX and XXXX said on XX/XX/XXXX that XXXX paid value for my mortgage loan and that XXXX was acting in behalf of XXXX and assigning the DOT to XXXX, however XXXX who sold the mortgage loan to XXXX who would have been the beneficiary but relinquish the mortgage Note to XXXX without a sale of the mortgage loan making but impossible for a non-judicial foreclosure and the need of any other party to foreclose without using the XXXX process of showing the court proof of ownership because the originator in XXXX had sold the mortgage loan to WAMU so that not an unknown fact to XXXX but is unknown to the XXXX XXXX XXXX of Deeds who at the time of allowing the DOT to be recorded on XX/XX/XXXX, was not inform that on XX/XX/XXXX, XXXX sold the loan to WAMU and on XX/XX/XXXX that WAMU had endorsed the Mortgage Note in blank and relinquished to XXXX, so that when it came to XX/XX/XXXX, when XXXX and XXXX fraudulently stated on the Assignment of DOT that there was not title exchange between XXXX and XXXX form the XX/XX/XXXX, sale and make it clear that XXXX could not sale the mortgage loan because it had already sold the loan over XXXX ago, and that the " failed bank '' in WAMU was suppose to be the last XXXX XXXX as XXXX who in possession of the Mortgage Note but the largest bank failure in the history of mankind, stop existing. So where is XXXX in this case who purchased WAMU? So we got XXXX XXXX WAMU Fed XXXX mortgage loans that had been given payoff, refinanced or foreclosed and XXXX could not give any correct payoff amounts because WAMU after XX/XX/XXXX, stopped existing. we know XXXX refused to process all the XXXX XXXX VA loan for the XXXX starting something in XXXX and refused to process the VA XXXX in XXXX, foreclosing on those for protected our Nation. As I was paid {$6000.00} because XXXX did not XXXX me a VA XXXX as with no input into the XXXX automated underwriting system, is the same crime committed to the XXXX homeowners that were in bankruptcy and had TARP protection, but XXXX enter in the wrong information into the system and denied those families of the guaranteed TARP protection. It took from XXXX to until XX/XX/XXXX for those victims to win in court, and court is where the matter of proof of ownership of my debt under XXXX would have stopped the legal foreclosure by the non-interest party in XXXX XXXX Bank! XXXX class action and XXXX class action plus XXXX v XXXX | ||||||
| 11/03/2018 | Yes |
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| On XX/XX/XXXX there was a hail storm in XXXX XXXX South Dakota. I filed a claim with my insurance company. The insurance company looked at the damage on XXXX and gave me a check, that same day, made out to myself and Chase XXXX. I called Chase XXXX the same day and asked them how to proceed. I talked to XXXX and he rudely informed me of my options. One of my options was to come up with the remaining balance and pay off my vehicle. I later chose that option. On XX/XX/XXXX I went to my Credit Union and got a loan for the remaining balance of the car loan. My Loan Officer, XXXX XXXX, took the Insurance Check from XXXX XXXX XXXX ( check # XXXX ) for {$7100.00}, the cashiers check from XXXX XXXX XXXX XXXX XXXX ( check # XXXX ) for {$3700.00} and a letter she had typed up explaining that there were 2 checks enclosed to pay off my XXXX XXXX XXXX. On XX/XX/XXXX I received a voicemail from Chase telling me that the check I sent for {$7100.00} was not enough to pay off my vehicle and I needed to call them back to address the situation. I immediate called them back and explained that there were 2 checks in the envelope to pay off my car. The woman I talked to said there was not 2 checks in the envelope. she said the only thing in the envelope was the 1 check from XXXX. I told her that in fact there was 2 checks as well as a letter indicating what the 2 checks were for. She immediately became very rude and argumentative with me. I told her I knew for a fact what was in the envelope, because I was in the office with my loan officer when she put the 2 checks and the letter in the envelope, sealed it and set it for the mail. I expressed my concern that the check for {$3700.00} was floating around there somewhere and I would be held responsible for it. The woman told me I had to contact XXXX and put a stop payment on the cashiers check. In a state of frustration and anger I said I would do that. She said she would note it on my account that I was going to put the stop payment on that check. I immediately called XXXX and she said that you can not put a stop payment on a cashiers check and told me what I needed to do. I then called Chase back relayed this information. I got someone else on the phone the second time and I had to go thru the whole story again. The second person told me she only showed the check from XXXX being in the envelope. I asked her about the letter and she asked me to hold, she said she was looking through the notes. She then said in fact the letter was there with the check. I asked her what was going to happen if the Cashiers check magically appeared. She said she would note in my account what I was doing to get the problem fixed and also to hold the check for {$3700.00} if it appeared at Chase. After I did what I needed to do at the credit Union I called Chase and told them what I did. The 3rd Person I talked to told me that the insurance check had been mailed back to me. I told her that that was wrong and they were supposed to be on hold until everything was squared away. She insisted multiple times that it was mailed out. I asked her when it was mailed out. she put me on hold and came back on the line and said that in fact it had not been mailed out and she had it there in her possession. She said she was able to get it out of the mail room before it went out. She said she would get it taken care of for me. On XX/XX/XXXX I called chase again to get an update on what was going on. The 4th person I talked to said both checks were mailed back.She said that 1 of the checks was mailed to me and the other one was mailed to my ex husband at an address that we haven't lived at for, at the very least, 3 years. I asked her what she meant by both checks and she said the Insurance check and the cashiers check, so this means the cashiers check did in fact, magically appear. I immediately insisted I talked to a supervisor. I was transferred to XXXX XXXX at extension # XXXX at XXXX XXXX.. I explained the story in its entirety from the very first phone call back on XX/XX/XXXX. XXXX started off the conversation in an argumentative manner. He told me many things. He said the conversation with Woman # 3 had never happened. I insisted it did and his reply was " there was no note of it in the computer so the conversation didn't happen. He told me that XXXX didn't know what she was talking about and you can in fact stop payment on a cashiers check, he has been in the banking business for X amount of years and he knew what he was talking about and XXXX was wrong. He was telling me that the reason they did not apply the money to the account was because the Insurance estimate was not in with the envelope for the repairs. I told him that they didn't need the estimate to pay off the loan and he continuously insisted they did. when I challenged him as to why they needed the repair estimate, when I was, in fact, not getting my vehicle fixed, I was paying it off, he then changed his story and said I did not need the estimate. He confirmed one of the checks was sent to my ex husband at a different address than mine. I asked why it was not sent to me and he said it was because XXXX name was also on the check and that was the address they had on file for him. I told him I had sent Chase a letter informing them of our new address over a year ago and he confirmed that they did have the new address for me. I asked why they didn't have it changed for XXXX ( my now ex husband ), he said XXXX didn't send in a letter. I told him the letter stated it was to change the address for both of us. It included both of our names, date of births and account number and that XXXX and I both signed the letter. He then went quite for a brief moment and avoided answering the question. I asked when the checks were mailed out. He said the Insurance check was mailed out to me on XXXX and the cashiers check was sent to XXXX, at the wrong address, on XXXX. I later received a letter dated XXXX that the check was mailed back to me on XXXX and not XXXX. I also expressed my concerns about having a late payment as well as my deep concerns of this affecting my credit. I had not made my XXXX payment because I was under the impression that my car was paid off from the transaction taking place back on XXXX and then the fact that I was in constant contact with Chase about this whole situation. I also knew if I went ahead and made my XXXX payment it would adjust my payoff balance in which I had already sent the exact amount of money for. I asked if they were going to wave any late payments and/or penalties because of this being their error. He said in fact no they would not cover those. It was my responsibility to pay those. I argued this point and then he said they " might '' cover it if it's a couple bucks, but he would have to look into that. I did later receive the insurance check from Chase in the mail. I knew that I would not receive the Cashiers check because the Post Office only forwards mail for 1 year, I only had to hope the current resident of the apartment did the right thing and would send it back to Chase. On XXXX I went back to the Credit Union with the Insurance check and we were going to send it, a new cashiers check and letter to Chase. At some point and time somehow Chase got the Cashiers check back in their possession and applied it to my account on XXXX. XXXX and I called Chase and Talked to XXXX at extension XXXX at XXXX XXXX. because the Insurance check was stamped for deposit but there was another stamp over the deposit stamp making it invalid and not depositable. XXXX had to check with her supervisor to find out if it was ok to send that check back or if we needed to get a new check from XXXX. she called XXXX back a day or two later and told her it was ok to send the original check to them. XXXX did send the original insurance check back to Chase for payment in full. I called every day and frequently twice a day to confirm that they had received the check and my car had in fact finally been paid off. Finally on Tuesday XXXX when I called, the recording indicated my car was paid off. The Companies involved are as follows : Chase XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX | ||||||
| 05/11/2017 | Yes |
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Web | Older American, Servicemember |
| Chase Complaint to Banking Commission XX/XX/XXXX Bank : Chase Bank Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX Chase Relationship Manager : XXXX XXXX Phone # : XXXX Problem Statement As the seller, I have been working with Chase for several months to conclude a Chase-approved short sale attempt of our home. We, my real estate agent, my wife, and myself, have complied with every timeframe and procedural requirement of Chase. Chase has not met its own procedural deadlines and timeframes. o They have not responded to inquires within their designated 48 hours. o At Chases date recommendations we have had to extend close and due-diligence dates four times since the process began because they can get their own procedures done on time. o Because the approval procedure has taken more than 120 days, Chase required a new BPO ( Broker Price Opinion ) of the home ( by its own policy ) which further delays the home sale. Currently, Chase has had the new BPO since XX/XX/XXXX. They have been unable to pass it through their internal audit as this date. We are stalled until they finalize their audit process. ( We have been stalled for 22 days. ) o We are currently 4 months, into a process which has no end in sight. o More examples are available upon request. We have received conflicting information from different Chase departments, as well as conflicting information from the same Chase individuals from one day to the next. o While working through a Chase approved short sale approval process, at the same time, I am receiving notices of foreclosures by a different Chase department. I recently even received a notice from a collections agency that Chase has referred our account to them. Yesterday, XX/XX/XXXX, a sheriff appeared to server foreclosure papers. I called the Collection Agency who informed of the following : They had no knowledge that the house was in short sale. Chase could suspend or put on hold the foreclosure process The short sale division at Chase has not told me or my real estate agent that there is a foreclosure hearing or date. For all I know, the short sale division may not even be aware of this new action. o More examples are available upon request. I have a buyer who was prepared to pay {$140.00}, 000 over the BPO. However, because of Chases procedural delays and in light of recently discovered damages and repair estimates of {$330000.00}, is still willing to only ask for {$100000.00} reduction in price, thus paying {$40000.00} more than the BPO. I lost one buyer who was prepare to pay {$80000.00} which was {$160000.00} over the BPO of the home because of the delays and frustration with the Chase procedures. If the house goes into foreclosure, not only will my credit be more severely impacted, but Chase will now have to disclose $ 300,000+ ( material facts ) in repairs to any new buyer under the short sale structure that may significantly reduce the price that Chase can obtain in an auction. It is Chases best interest to take the current deal, ( they have already lost $ 125,000+ from the lost first deal ), but their procedures take precedent over mine, the buyers, the agents, and the banks own financial interests, as well as their shareholders interests. Chases own procedures work against their own interests, while putting an additional burden on the buyer and seller. For example, Chase requires dates in the paperwork to be correct at EVERY stage of the process ( clerk review, file holder audit, negotiator review, credit manager audit, finance committee review, and closing department review ). We recently were informed of this requirement. When Chases own inability to meet its own procedureal deadlines occur in one stage, then the next stage of the Chase process requires new dates all of which must be resigned and initialed by the buyer and the seller. As Chase requires new dates on the HUD, they require a new payoff to be calculated. To receive the payoff, a work order needs to be established. Procedurally, they allow themselves seven days to process the work order and thus receive the payoff amount. We simply have a situation where a buyer and a seller wish to conduct a free enterprise deal, but is held up by Chase bureaucracy. Impact 1. Me and my family a. As this transaction moves from short sale to foreclosure, the impact is more onerous and financially damaging to my personal situation. b. The stress on my family, my XXXX wife, in particular, is becoming overwhelming. c. The planning and actual process of moving out of the home has had to be changed numerous times, creating confusion, frustration, expenses and rescheduling. d. As this transaction moves from short sale to foreclosure, the impact is more onerous and financially damaging to my personal situation. 2. The Buyer a. The buyer has {$75000.00} tied up in earnest money, missing the current opportunity in the stock market. b. Increased damage and liability to the buyer as the water-damage related defects continue to be exposed to the elements. XXXX recently receive 8 inches of rain in a three-day period that continued to undermine the structure of the house and continue to place great hydrostatic pressure on a failing retaining wall. Until the deal is completed, much needed water-related repairs can not occur, which only reduces the worth of the home. c. Because of the bureaucracy and delays, the second buyer is considering withdrawing his offer. 3. The Agents a. Loss of commissions ( {$40000.00} ) after hundreds of hours of work trying to comply with Chases short sale process. My agent has been informed that if foreclosure goes through, rather than short sale, the agents receive nothing for their efforts. 4. Chase and its Shareholders a. These Chase delays and procedures have already cost Chase a substantial amount of money ( $ 125,000+ ), but they have said that their procedures are more important than any of their own, agents, buyers, or our financial concerns. b. As a result of these delays, the newly identified defects will now have be disclosed as material facts to any future buyers, resulting in the financial detriment to Chase and its shareholders. Brief History My wife and I have lived at the home listed above since XX/XX/XXXX. In XX/XX/XXXX, my income from my job was significantly reduced, family and business financial problems, and substantial medical payments for my wifes XXXX treatments, grew overwhelming and it became clear we needed to downsize immediately because we could no longer make the mortgage payments. We looked at selling the house, but an analysis of the local market for houses similar to ours, were taking 1-2 years when the houses were in average market condition time and money we did not have. Because of our financial circumstances, needed repairs to the house had gone unattended ( deferred maintenance ). In XX/XX/XXXX, we put up the house for sale, in an as is condition. Chase sent us the first of several intent to foreclose in the future notices. We contacted the bank about a short sale option. They had an BPO completed which concluded a dollar amount of {$630000.00}. The principle loan balance left on the account was {$920000.00}. We listed the home {$60000.00} over Chases BPO and received five offers, all above the BPO amounts the highest of which was {$160000.00} over their BPO. On XX/XX/XXXX, we submitted the highest offer of {$800000.00} to Chase because Chases policy only allows one offer to be submitted at a time. The other four offers became back-ups. We completed the seller requirements on the contract within Chases designated timeframe ( XX/XX/XXXX ) and have consistently maintained an active short sale contract in Chases system since that time. Conclusion 1. Im a seller who wants to sell. 2. I have ready, willing and able buyers who are ready to buy over the BPO price. 3. We have complied with Chases requirements for documents and date extensions, in a far more timely manner that they have responded to their own timeframe requirements. 4. If foreclosure was more advantageous to Chase, then I mig ht understand why everyone else must suffer. However, it seems to me that short sale is in EVERYONES best interest. The only one to lose is an inanimate bureaucratic process whose procedures can not be met by the best efforts of real people and disadvantages everyone else. | ||||||
| 03/27/2018 | Yes |
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On XX/XX/XXXX, I booked a hotel stay at the XXXX XXXX in XXXX, TX for a stay at their hotel during the dates of XX/XX/XXXX through XX/XX/XXXX. I made this reservation using 30,000 of my rewards members points ( XXXX ), on XXXX XXXX website. This reservation required that I put in a credit card to hold the reservation. I used my Chase XXXX XXXX XXXX XXXX ( XXXX ).
On or before XX/XX/XXXX, I noticed several unusual charges on my account for my Chase XXXX XXXX XXXX XXXX ( XXXX ), 3 charges from the XXXX XXXX, and one from XXXX XXXX.
Details for these unusual charges are as follows : Date | Amount | Merchant Name or Transaction Description XX/XX/XXXX | {$170.00} | XXXX XXXX XX/XX/XXXX | {$530.00} | XXXX XXXX XX/XX/XXXX | {$350.00} | XXXX XXXX XX/XX/XXXX | {$760.00} | XXXX XXXX On XX/XX/XXXX, I called Chase Bank to alert them of the fraudulent charges from the XXXX XXXX. I knew the XXXX XXXX charges were bogus because I have never stayed at a XXXX XXXX, and was not planning on staying in a XXXX XXXX any time in the future. I thought the charge from XXXX XXXX _might_ be legitimate because I had recently made a reservation at XXXX XXXX. It was the same hotel chain, and they were both in the same state, Texas. I have also come to understand that it is normal business practice for companies, e.g. hotels, to put a hold on funds through a credit card when making a reservation, then release those funds at a later date after the stay is completed. I thought this was the case in this instance, and that after my hotel stay at XXXX XXXX, the {$760.00} would be refunded to my card because I paid for my reservation using my Rewards members points ( XXXX ). Further, I didn't want my reservation to be cancelled due to my cancelling the charge. I explained this to the Chase representative when I called to report the XXXX charges, and the representative agreed that this decision was logical.
My hotel reservation came and went. I paid XXXX XXXX {$42.00} for parking, and my Rewards member account was deducted the 30,000 XXXX ( the XXXX were actually deducted at the time I made the reservation ).
I know that banks and businesses are much slower at putting money back into an account than they are taking it out, so I was patient.
XXXX XXXX came and went.
XXXX XXXX and XXXX XXXX came and went.
I tried to resolve this with the hotel first, but they gave me the runaround.
On XX/XX/XXXX, I called XXXX XXXX to see what was going on with that {$760.00} charge. The representative I spoke with said that someone from the financial department would be in touch within 48 hours. If I didn't hear back by then, I needed to call back. I called XXXX XXXX ( the parent company of XXXX XXXX ) 3 more times throughout the month of XXXX ( twice on XX/XX/XXXX, once on XX/XX/XXXX ), and at most I only got an email from them containing my guest folio for the {$42.00} at XXXX XXXX.
When attempting to resolve this issue with the hotel got me nowhere, I started fighting the charge with the bank.
On Saturday, XX/XX/XXXX, I called the Chase Report Fraud Number ( XXXX ) to report the XXXX XXXX charge as fraud. I initially spoke with XXXX, who later transferred me to XXXX XXXX. I explained to XXXX my story of events. She told me that she would send me the form I needed to fill out and she advised me that I needed to file a report stating that I was overcharged. A couple of days later, I received the form that XXXX sent me. I filled it out as she instructed, stating that I had paid for the reservation with my rewards members points, and only needed to pay for parking, not the {$760.00}. I printed off a copy of the XXXX XXXX transaction ( {$760.00} ), and my Guest Folio for my stay at XXXX XXXX ( {$42.00} ) and included those along with the form I had filled out and sent it back to Chase.
On Wednesday, XX/XX/XXXX around lunchtime, I received a call from XXXX XXXX XXXX. I didn't recognize the phone number so I let it go to voicemail. XXXX XXXX XXXX left a message stating her contact number and her times of availability ( including time zone ) asking for me to call her back. I attempted to reach XXXX XXXX XXXX 3 times in the following days, only to receive her voice mail each time ( once on XX/XX/XXXX, twice on XX/XX/XXXX ). On Saturday, XX/XX/XXXX, I received a form letter from XXXX XXXX XXXX stating that they consider the charge valid based on their research. This form letter and the once voice mail she left me is the only contact I have had with XXXX XXXX XXXX. I'm still unclear as to what proof the merchant provided that this charge is valid ( hint : its not, and they have no proof ).
Note : I was never in or near XXXX, Texas during all of XXXX.
After speaking with several people, I was advised that I needed to contact the bank again and explain that this charge from XXXX XXXX is _NOT_ an overcharge, it is a _FRAUDULENT_ charge, a completely separate transaction from the {$42.00} I was charged by XXXX XXXX, from a completely separate merchant ( XXXX XXXX ).
On XX/XX/XXXX at approximately XXXX, XXXX, I called Chase customer service at XXXX. I first spoke with XXXX, who then transferred me to XXXX ( in the security and fraud department ), who then transferred me to XXXX ( in the dispute department ). XXXX advised me that she can not re-open the dispute over the phone, and that I needed to physically go down to a branch and have them fax several documents for me, including : - my credit card number - my name - the name of the merchant - the amount of the transaction - the date of the transaction - a letter stating the following : I |
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| 06/13/2023 | Yes |
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| Early XX/XX/2022, my wife and I received many generous checks at our wedding from family and friends. We then went on a small 'mini-moon ', so these were not cashed until a couple weeks later ( varying between XXXX XXXX to XX/XX/XXXX ). Some were cashed in each of our personal accounts through XXXX XXXX XXXX , because we hadn't yet opened up a joint checking/savings but were in the process of doing so with JPMorgan Chase. I already had a credit card with Chase and it was sort of neutral ground for us ( both had some so-so experiences with our respective banks ) so I initially opened up the account and it was approved not long before XXXX. The problem was... we had to go into a physical location to add her name to the account since it wouldn't allow me online, and both of us were busy scrambling to get XXXX gifts and spend time with our families before leaving on our actual honeymoon on XX/XX/XXXX. She asked me to just deposit the remainder of the checks ( totaling {$5800.00} ) into the Chase account before leaving for the honeymoon so that we didn't have people waiting a month to see the funds leave their account. I signed all the checks myself while packing up my suitcase, and deposited using mobile deposit. Once we got back from XXXX XXXX, I logged into my Chase app to find that the checking account previously showing underneath my credit account had just disappeared entirely. I called the Chase support number, thinking it was just a technical glitch but in fact they had flagged my account as fraudulent and told me that they would be withholding the already-cashed funds until we could verify with every check writer that it was indeed legitimate. They were able to automatically verify many of them, but 7 checks remained unverified for various reasons. The 7 checks remaining were easily the worst case scenarios out of the {$5800.00} : 1 ) My wife 's uncle and aunt, in their early 70s and not doing very well for a few health reasons 2 ) My grandmother, in her 80s, lives over an hour away and not very mobile 3 ) My wife 's friend, with a XXXX 4 ) Another wife 's friend, with a XXXX XXXX XXXX AND a XXXX 5 ) Another Uncle of my wife 's, who is on terrible terms with my mother-in-law and not very understanding. Even worse ( for reasons explained below ), his wife signed the check instead of him. 6 ) My wife 's grandmother, who is XXXX XXXX XXXX and XXXX bound with around the clock XXXX XXXX 7 ) My mother-in-law 's friend, in her 60s What this means is : -I have to call a Chase support line, wait on hold for on average ~20-60 minutes - Once I finally get a support rep in the fraud department, I have to re-explain the lengthy story to them and then they re-tell me in excruciating detail the exact process that has already been laid out for me, many times over. - Then while I am on the line, on hold, they arbitrarily call one, or all, of the remaining check writers that have not yet been verified. However, if they don't have their number on file in what I assume to be XXXX, or they have the wrong number, then they just can't call that person at all and force them to come into a physical Chase location to have their ID scanned ( there's not that many locations... ) A few notes about our experience with this as well : - Chase refuses to release ANY of the funds until every single check is verified with the writer of it - Every family member/friend that was called immediately thought that the support rep was a call center scam artist due to their lack of professionalism -I was hung up on ~5-7 times in the middle of reiterating my story to each new support rep, probably because it wasn't an 'easy case ' - When explaining to the regional fraud department head after many escalations that my wife 's grandmother ( on the list ) was XXXX, XXXX XXXX, and obviously without the correct phone number on file so she clearly is unable to come into a physical Chase branch, I received the kind reply of 'do n't know what to tell ya " -An extremely helpful branch manager in our current residing town helped us out on one occasion, but the poor gentleman ended up just as frustrated as we were after talking in circles for 3 hours with his own company 's support team and their inability to understand the situation - We went back a second time for help with the local branch manager, and when he got in touch with the fraud department rep they told him that there wasn't any notes on our case, so even though we had already gone through the process of verifying 6 out of the 7 outstanding verifications needed, someone was able to just accidentally ( or intentionally ) delete every single note attached to our case, thereby almost erasing all proof of our battle with this insane process. -One support rep told us we could have the check writers ask their bank to 'rescind the check ', and there was a process in place for this with almost every bank. We asked three of the 7 remaining family members to do this with their bank. Each of them being ~50-75 years old, naturally they took time out of their workday and went into their bank office to ask them to do this. Their representatives said that's never been done and the check has been cashed so there's nothing they can do. The next call I had with the fraud department, they 'clarified ' ( barely ) by saying they had to call the back office instead of going in physically. They all use local town savings banks, there isn't a back office. - My wife 's grandmother is an absolute angel powerhouse of a woman and on her one day of feeling even remotely mobile, she had her XXXX drive her to visit us and we scanned her ID at the local Chase and had some pizza after. As good as that sounds, the fraud department kept the bank manager on hold for ~90 minutes while they called the rest of the check writers ( that had already been verified, so they just didn't listen and it was for no reason ) WITH GRANDMA IN A XXXX RIGHT THERE. We said enough is enough and my wife left with her to go get the pizza ~45 minutes in. Still, the fact they were too ignorant to listen to the bank manager ( who won branch of the year ) when he said, after explaining the entire situation yet again to a brand new support rep on the case, 'They are here to scan one ID for one check, please help us with this quickly ' and they proceeded to do nothing we asked until calling every bank AND check writer is astounding. There was one slice of pizza left for me. In summary : I have spent well over a full work-week on hold/on the phone with Chase fraud department over depositing checks into a new account which is now being held hostage. This account was intended to be a joint account with my wife and I after getting back from our honeymoon for house funds, baby funds, fun funds, etc, and instead of this we have had to make dozens of unbelievably awkward calls asking people who just gave us extremely generous gifts for our next stage of life to get on hold with arguably the most unqualified, rude, and deliberately unhelpful support representatives I've ever encountered. So, now we are down to ONE check that has yet to be verified but it's my mother-in-law 's brother who is on terrible terms with my mother-in-law, AND his wife is the one who signed the check. Neither of their numbers are in Chase 's phone database, so Chase can't contact them over the phone with me on the other line as we did with others, and their bank has refused to rescind the check. So basically Chase wants me to have them do this instead : 1 ) Drive over an hour to the nearest branch 2 ) Explain to some random branch manager why they are there ( even though they hardly understand how complex this situation is themselves ) 3 ) Have the branch manager phone into the fraud department to reiterate the same situation they just explained to said manager, probably wait on hold for 30 minutes 4 ) IF the fraud department hasn't 'lost ' the case notes ( again ) then they will probably explain to branch manager the entire process for these kind of 'fraudulent alerts ' even though that is what has just been explained to the branch manager in the first place and we've gone through in entirety over a dozen times over multiple months 5 ) Then MAYBE, MAYBE, if we're VERY lucky, they will mark the case as complete and release the funds to us. | ||||||
| 06/14/2023 | Yes |
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| On XX/XX/XXXX, my wife and I went to a local chase branch located at XXXX XXXX XXXX in XXXX XXXX to open a joint checking and savings account. The account opening process went as normal. We provided required documents to verify our identities, including our marriage certificate and social security card which was necessary to prove my wife 's name change. We deposited XXXX checks amounting to {$1300.00} and {$230.00} in cash totalling {$1500.00} and then left. We were not given a deposit receipt, however, the amount was read as {$1600.00} despite me putting the correct amount on the deposit slip which I can not download or attach unfortunately. That amount was adjusted on XX/XX/XXXX according to my bank account. I am not certain if this is what caused the situation at hand but this was not to doing, but Chase 's. On XX/XX/XXXX my credit card was frozen and I had to call and, successfully, unlock my online account and card as they were attempting to verify that I had in fact moved and made the purchases I've been making. So at this point Chase had two forms of affirmative documentation of my move. One verbal through their credit card team, and one physical through my account opening and proof of residence. On XX/XX/XXXX I, again, tried to access my online portal only to be met with a notification that my account was locked. I had no documents or correspondence from Chase indicating that this action had been taken nor would I receive any correspondence from them until the following day which advised my account was restricted and that I could find out more information by logging in, which I could not do because they locked access to my online account as well. I called multiple times throughout the day and was on XXXX minute phone calls before a rep would ultimately advise they need to transfer me to another department. Finally after work, I got in touch with their deposit review team. They advised me that my account was frozen due to suspected fraud until they could review the validity of every single check I deposited. When I asked what about my account opening was suspicious, I was met with resistance from the operator and was given " maybe '' the age of the checks, " maybe '' the move, " maybe '' the different names on the checks. I was never afforded a singular affirmative reason for the freeze. I was on the line with this rep for XXXX XXXX while he attempted to contact my relatives who all wrote these checks as a gift for our wedding. Again, our marriage certificate corroborates our recent union. And the different names would be explained by the wedding as well. Chase had access to all of this information and documentation themselves to verify. The rep kept coming back to the line and advising me that my relatives either did not answer, or that the numbers they had in their registry were not active. I offered to provide their contact information but was told that the number had to match their internal registry. One of the numbers I was told did not match was my Aunt, who has had the same phone number for well over a decade. Eventually the rep advised me that he had exhausted the list and that further review would be necessary. I expressed my frustrations with the policies, particularly as I was advised that I could not provide contact information and in addition to that, these family members could not reach out at their own convenience, but rather I had to call each of them and explain that I was being investigated by Chase for fraud and that they'd have to provide me with a date and time that they'd be available for Chase to call. In addition to that, I could not be given a specific number that chase would call from as I was told that the number could and would be different and that they also do not leave voicemails. In the age of fraud and scams, this is an extremely anti-consumer and dangerous practice which leaves many susceptible to ACTUAL fraud. The rep told me that my opinion on the practice was not valid and that I was wrong and began talking over me. I escalated the call and spoke with a supervisor who attempted to help for a further hour to no avail aside from submitting a complaint regarding the behavior and actions of the rep before. During my time with her I was told if they could not validate the funds, which were already cashed at this point, the funds would be placed into suspense for up to 2 years and ultimately remitted to the state. None of my relatives were to be reimbursed, and I would not receive the funds. We scheduled an appointment with a rep at the XXXX XXXX branch again who spoke with the fraud team, I was present for only a portion of the meeting but after calling my relatives once again to verify the validity of the checks and extensively checking my wife 's identification documents again, the account was unfrozen. The fraud department, after telling me twice from the two prior representatives " found '' my aunts matching phone number and successfully verified her check. After at least 5 hours of total effort over multiple days, I still had not received any definitive explanation as to what prompted the account freeze. Despite all of this my online access was still revoked and I had to call yet again the following day to reinstate my access. Following all of this I simply wanted an official explanation from Chase as to why my accounts and online access were frozen not once, but twice. I went through tremendous time, energy, and embarrassment to prove my innocence in the matter. I do not feel I should have had to do the fraud department 's job for them, especially provided the fact that they had every document necessary to disprove the " maybes '' I was given. The age of the checks and multiple names were explained by our wedding. And despite the age of the checks, which were around 45 days old, checks are negotiable for 90 days unless otherwise stated. And the move was already validated verbally by Chase 's credit card team and the proof of residence we submitted upon account opening in branch as well. I lost money from having to take time off from my job to resolve this, and I was not promptly notified of these actions taken by Chase. It was frozen since XX/XX/XXXX at least, potentially earlier. However I didn't receive any official correspondence, again, until XX/XX/XXXX via email. And never through mail. I was subjected to embarrassment from being forced to contact my family after our wedding and do the job of Chase 's fraud department for them to directly contact them, as opposed to contacting their financial institution and having them verify for each individual. I have never heard of practices like this. I believe that Chase will not provide an explanation for this freeze because it was unlawful and unfair. And I believe their policies and practices are unfair to consumers and dangerous to consumers as well. This was a gross overreach of power and I believe Chase held my money hostage simply because they could. And if I didn't have the flexibility and endurance to be able to accommodate their stone age policies, then my wife and I 's legitimate funds would have been taken by Chase and our accounts closed. They even placed my wife 's moving stipend, which was a direct deposit days after the opening, unrelated, and not even a check, into suspense which was thousands of dollars and also would have been subjected to the same seizure of funds as our checks in question. I have contacted the banker, the branch manager, and their executive complaint department asking for an official statement in writing as to why the freeze placed on my account was valid and lawful and was told they could not do so by each. I spoke with the executive complaint department XX/XX/XXXX and was told exactly, I quote " we can not provide you with a written reason in writing [ for why the freeze was placed ] because if we do that for you, we would have to do that for everyone. '' Apparently the official stance by Chase is that telling people why they are suspicious about their account activity is too laborious to do for everyone, so they will do it for no one. However, they will force you to spend hours calling them and your entire family to prove you're not a fraudster and that your account is legitimate. | ||||||
| 10/10/2019 | Yes |
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| On XX/XX/XXXX, I woke came out of a XXXX to discover I have several fraudulent charges on my Chase Bank account. I did not give anyone my card or my PIN number and my phone and wallet was also stolen. My Pin was the code to my phone so whoever stole my debit card already knew the code to my phone. I never shared my PIN number so they must've been someone I knew personally. The person has to be one of my old care-takers, my wife had to fire a few of them because they were caught stealing other things from our room in the past. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XX/XX/XXXX - XXXX XXXX, XXXX Account Number. XXXX XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX # XXXX XXXX FL Card XXXX.. {$1000.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX {$2600.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX. {$1100.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... .. {$4.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... .. {$1.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... {$2100.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX & XXXX IN XXXX TN Card XXXX. {$2900.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX {$2000.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX. {$4.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX " XXXX XXXX XXXX Card XXXX ... ... {$95.00} XX/XX/XXXX Recurring Card Purchase XX/XX/XXXX XXXX XXXX CA Card XXXX. {$9.00} XX/XX/XXXX Recurring Card Purchase XX/XX/XXXX XXXX XXXX CA Card XXXX ... {$9.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX And XXXX XXXX FL Card XXXX Card Purchase ... . {$84.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX # XXXX XXXX FL Card XXXX.. {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA Card XXXX {$19.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... {$900.00} XX/XX/XXXX XXXX Card XXXX XX/XX/XXXX XXXX XXXX CA Card XXXX.. {$9.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XX/XX/XXXX - XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Insufficient Funds Fee Refund ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$34.00} XX/XX/XXXX Insufficient Funds Fee Refund ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$34.00} XX/XX/XXXX Insufficient Funds Fee Refund ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$34.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... .... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX NY Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX FL Card XXXX ... ... ... .... {$17.00} XX/XX/XXXX Recurring Card Purchase XX/XX/XXXX XXXX XXXX CA Card XXXX ... {$0.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... ... ... {$3.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... {$220.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX FL XXXX XXXX FL Card XXXX ... ... .... {$6.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card.. {$2100.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... ... .... {$55.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... {$190.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... {$120.00} XX/XX/XXXX Card Purchase XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... ... ... {$5.00} XX/XX/XXXX Recurring Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX .. {$150.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX # XXXX XXXX FL Card XXXX ... ... ... ... ... {$6.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX FL Card XXXX ... ... ... {$63.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... ... {$38.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Card XXXX ... ... ... {$28.00} -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XX/XX/XXXX - XX/XX/XXXX Account Number XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX 'XXXX XXXX Card XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX Thu XXXX XXXX CA Card XXXX ... ... ... ... ... ... ... ..XXXX XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX XXXX Card XXXX ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX ATM Cash Deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ... XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX ... ... ... ... ... ... ... ... ... .XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX Card XXXX ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX Recurring Card Purchase XX/XX/XXXX XXXX XXXX Card XXXX XXXX XX/XX/XXXXCard Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX 'XXXX XXXX XXXX CA Card XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX Sat XXXX XXXX CA Card XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... ..XXXX XX/XX/XXXX Card Purchase Online Transfer From XXXX Transaction # : XXXX ... XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX ... ..XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Car XXXX {$20.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card ... {$2500.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... {$9.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX ... {$1.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX.. {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX.. {$7.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX ... {$8.00} XX/XX/XXXX ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL Card.. {$980.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX. {$6.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX. {$21.00} XX/XX/XXXX Card Purchase With Pin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FL Card.. {$68.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX FL Card XXXX {$9.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX {$21.00} XX/XX/XXXX Insufficient Funds Fee For A {$21.00} Card Purchase Details XXXX XXXX XXXX XXXX CA XXXX {$34.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX 's # XXXX Online XXXX FL Card ... ... {$29.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA Card XXXX {$36.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX CA Card XXXX {$5.00} XX/XX/XXXX Insufficient Funds Fee For A {$29.00} Card Purchase Details XXXX XXXX 's # XXXX Online XXXX FL XXXX..XXXX XX/XX/XXXX Insuficient Funds Fee For A {$36.00} Card Purchase - Details : XXXX XXXX XXXX XXXX CA XXXX ... XXXX | ||||||
| 02/19/2023 | Yes |
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| Timeline : XX/XX/XXXX : I received notifications that I received XXXX payments from an individual I personally knew. These payments were : {$1.00}, {$990.00}, and {$800.00}. I contacted the individual to inquire about why these funds were sent to me and she responded saying that she did not make these payments and that she was actually on the phone with a supposed Chase representative who called her regarding fraudulent activity being detected on her account. I was told that the representative had asked if I could be added to the call to figure out what had occurred and why and how these funds ended up in my possession. During the call, the supposed representative told us that they were able to recover her account and that I would be able to send these funds back to her. I had no plans on keeping these funds as they belonged to her to begin with, so I made XXXX payments of {$1000.00} and {$800.00} back to her phone number and contact name per usual. However, upon doing so we realized that none of these payments made it back to her account. I initially received and made a XXXX payment back to her of {$1000.00}, and later received another {$800.00}. During this time, the Chase customer service phone number called me and it was the same supposed representative telling me it was safe to send the rest of her funds back to her. Thus I sent the rest of the funds back to her phone number. Moments later, the individual contacted me telling me that she was just on the phone with a Chase representative on her fathers phone who told her that no one from Chase made a call to her, and that it seemed like it was a fraud. She was told to file a report to the fraud department the following morning. XX/XX/XXXX : I woke up and logged into my online banking profile to check whether my own money and bank account was fine and saw that her money was still in my account and it seemed like the payments were not able to go through. I contacted her to notify her of this news, and she said that she would call the bank to inform them of this. After doing so, we were relieved that the money seemed like it was fine and she was told her case would be closed. XX/XX/XXXX : The following morning I woke up to check my online banking profile to make sure her money was still safe in my account and found that the funds were now no longer in my account and the payments were all successfully processed. I notified her of this, and she said she would once again contact the bank to inform them of this. I was told that another claim was opened for it. XX/XX/XXXX : I woke up and checked my online banking profile to check if my own money and profile was safe and found that I was debited {$1.00}, {$990.00}, and {$800.00} by the financial institution in a reversal claim leaving me with a negative balance. I was shocked and did not understand why funds that were no longer in my account were being taken from me. I contacted the bank to inquire about this, and was told that they would open a claim in regards to the {$1000.00} and {$800.00} I sent out to the individuals phone number in an attempt to return her funds. I was told that since these funds never reached her account, despite her phone number being correct, that I was eligible for reimbursement. XX/XX/XXXX : I felt anxious and stressed as I had not heard in a few days about my claim as I did request for text updates. I decided to check my notices to see if I received anything and was shocked to see I had four new notices that were all sent out the same day ( XX/XX/XXXX ). Upon reviewing these notices, I saw that the documents stated that no action would be taken as discussed and agreed upon. This shocked me as there was no discussion about no action being taken nor was there any agreement on this either. I contacted the financial institution to inquire about this, and the representative told me that it seemed like the claims were not filed properly, and that he would file a more detailed claim for my case to be investigated. XX/XX/XXXX : I received a new notice that stated the transaction ( s ) was sent according to the recipient 's email/phone number and instructions you provided, '' so no actions would be taken. I was confused as I have reiterated multiple times that despite sending her funds back to her through her phone number, the funds never reached her account. I decided to fax in documents to support my claim and explain in detail what happened. I made a call to the financial institution once again to notify them of this, and requested for it to be used in the investigation. XX/XX/XXXX : I received a new notice that stated that the transactions made " was processed according to the information you provided or was authorized, '' and that " no adjustment would be made. '' I made another phone call to the financial institution to inquire how this conclusion was made, and whether or not my documents were used during the investigation. The representative told me that it seemed like the documents I sent in were not used, and that it seemed like they were not yet in the system. I was told that I should call back in a few days to inquire about whether or not my documents were received and proceed to ask for the investigation to be re-opened. XX/XX/XXXX : I made a phone call to the financial institution to inquire about the documents I faxed and requested to re-open my investigation. The representative on the phone told me that she would request for my claim to be re-opened, however, she did not believe that I would be able to be reimbursed. She told me that she read through my documents, and since the transactions involve XXXX XXXX and XXXX they were unable to do anything. I was told that the most they could do is request for a courtesy check from XXXX XXXX which she believes would likely be rejected. I do not understand why XXXX XXXX would refuse to cooperate to track, locate, and return stolen funds. I further do not understand why my own funds were taken from me by the financial institution to supplement another individuals stolen funds. XX/XX/XXXX : I received notices from the financial institution stating that my account was credited {$1.00}, {$990.00}, and {$800.00} as these credits were not owed to me. However, I did not receive an explanation on why these funds were removed from my account even though they were no longer in my possession as shown in my statements. I also did not receive any resolution nor explanation on the claim that was filed concerning the {$1000.00} and {$800.00} I attempted to return to the original owner. I received statements regarding another individuals claim to explain why my account has been debited, but I did not receive any statements regarding my own claim and situation. These notices were sent to me the day after I requested for my claim to be re-opened and for my documents to be used, rendering me to believe no one gave attention towards the documents I submitted. It seems like the financial institution is ignoring my situation despite my continued cooperation. Throughout the situation, all I attempted to do was return money to its original owner the moment it was wrongfully sent to me. I do not understand why I am receiving consequences for attempting to do the right thing. I attempted to send the funds back to the original owner using her correct phone number. I also believe that these actions violate the rights that are set in place by regulation E of the EFTA. Throughout the entire situation, the individual posing to be a Chase representative made various statements that sounded like they were legitimately a representative from the financial institution. Furthermore, the supposed representative seemed to have a lot of information on both victims which would be expected from someone that works at the financial institution. The phone number that called both of us also matched that of Chases customer service phone number. Considering all XXXX payments made from the individuals account were all unauthorized, she believed that her account was really compromised and just wanted to cooperate with the financial institution to resolve the issue. We were both made to believe that it was being resolved, and I was instructed to return the money back to its original location. | ||||||
| 01/23/2020 | Yes |
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| I have been struggling with insufficient funds fees with JP Morgan Chase since XX/XX/XXXX. When I first dealt with an insufficient funds fee, I called Chase to understand what the fee was and how I could avoid being charged for the fee. In the first call, I was told that if my account was negative over {$10.00} by the end of business, I would be charged an insufficient funds fee of {$34.00} for each transaction cleared after the - {$10.00} balance. I was also told that the only charges that are authorized on my account if it has a negative balance are from institutions that have my account and routing number and have preset payment arrangements ( automatic bill pay ). So that led me to an understanding that the only charge that would place my account in the negative would be an automatic bill. The representative refunded the {$34.00} for the transaction and I brought the account positive with my paycheck a few days later. A week ago ( XX/XX/XXXX ), I was charged an insufficient funds fee for an automatic XXXX charge and an automatic XXXX charge. These charges went through less than an hour before the end of day cut off ( XXXX ) and I was charged an insufficient funds fee for both charges once the end of day came. I went to bed at $ XXXX on XX/XX/XXXX and woke up on XX/XX/XXXX to a - {$86.00} charge for 2 charges that had gone through and 2 insufficient funds fees. I did not understand why these charges were authorized as they were both set up on my debit card and neither organization had my account number or routing number. On top of that, I had shown on my account that the XXXX charge had come out of my account 4 days prior, when I woke up that morning to the insufficient funds fees, the XXXX charge had disappeared from my statement from a few days prior and was now showing as trying to process on that day with an insufficient funds fee. I called Chase again and requested to have the insufficient funds fees reversed. First, the rep explained to me that if the account was negative over {$5.00} ( not {$10.00} ) each transaction would incur an insufficient funds fee. She also explained that because charges had until XXXX to clear, if a charge came through at XXXX that put my account in the negative, I would be charged an insufficient funds fee at XXXX if the account was not brought positive. Then she said she could not refund any insufficient funds fees for me because I had reached my maximum limit of fee refunds. I asked how that could be possible when I had had only 1 charge reversed in the previous 6 months and none in the year of XXXX, she would not tell me which other dates I had had insufficient funds fees reversed and said the best she could do was a partial refund ( {$28.00} ). So how would you be able to refund {$28.00} if I had completely reached my limit of refunds and the system wouldn't allow you to issue a refund? That did not make sense to me but I took the credit, sucked it up, and paid over {$60.00} in overdraft fees that pay period. I still did not understand why that XXXX fee had popped up on my account 4 days after showing on my account that it had been paid and the funds had been removed from my account. Fast forward to THIS week. I had an automatic bill come out of my account on XX/XX/XXXX of {$55.00}. My payment arrangement with this bill provider ( XXXX ) said the bill was not to come out until XX/XX/XXXX ( I receive a paycheck on XX/XX/XXXX ). I called Chase to state that this bill had come out before my authorization, they said my only option was to refute the charge and file a claim. I said that I had every intention to pay the bill once I received my next paycheck and I asked if there would be any issue down the line with the claims process of me owing Chase the {$55.00} they credited to me if I paid XXXX on the original date. They said no there would be no issue and to go ahead and pay the bill. I asked if I would incur an insufficient funds fee for the account being negative, and I was told by TWO different Chase representatives that as soon as the transaction posted on my account ( which they said the transaction would post within 24 hours ) that I would be given the credit and if I had incurred an insufficient funds fee that would be reversed as bank error. I was told that I would be emailed a document for my claim and I would need to fax or mail that back to Chase once I received it. 24 hours came and went, I woke up this morning ( XX/XX/XXXX ) and not only was the credit not on my account, but the insufficient funds fee charge had come through, and there was ANOTHER charge of {$10.00} from XXXX that had shown charged on my account and funds removed on Monday ( XX/XX/XXXX ) and had now disappeared from my statement on Monday and was showing as a pending charge today. I called Chase very frustrated, stating that I had still not received the email stating I had a claim, and I saw no sign on my account that these charges were going to be credited and I now had yet ANOTHER charge that may incur an insufficient funds fee. The rep heard me out, expressed empathy, and then said he was going to reverse the insufficient funds fee. After staying on hold for 5 minutes, he came back on the line to tell me I had reached my maximum of refunds for insufficient funds fee and all he could do was tell me to call back when the claim went through and try to get the fee reversed again at that time. I became angry ( I will own my part ) and said that I had been told the claim would be processed within 24 hours and I would receive a credit and now its been over 24 hours and I am still being told to wait. I requested to speak with a manager and I was on the phone with XXXX in the claims department in a few minutes. She told me that she saw 'notes ' that said I had spoken to two different representatives yesterday, that I had filed a claim, but that I should be looking for the credit on the account sometime today. I told her that that does not make sense with what I was told by your representatives from yesterday and I still don't have any correspondence from Chase ( email, etc. ) confirming that I have an ongoing claim. She became irritated with me and said that the credit takes a minimum of 12 hours to post on the account and she had just posted for the credit. I said why didn't either of the representatives do that yesterday when they told me they were going to do that? She would not give me a straight answer as to why the credit had not been submitted yesterday, and she said that the credit is not posted on the account until the charge in question is posted. I said that was not what I was told yesterday and she told me that that was what I was told yesterday. I started to cry and I said I don't understand why I am being talked to like I am creating an issue when I was charged for a bill before the agreed upon date and I am just trying to get a credit into my account to ensure no more insufficient fees funds. I brought up the XXXX charge and once again, no answer as to why the charge showed on my account Monday and then showed again on my account on Thursday with a negative balance. She kept insisting that I had to wait until tomorrow morning to see if the credit went through, and when I expressed concern about an additional insufficient funds fee charge for the XXXX charge, she said they would only be refunding one insufficient funds fee charge for the disputed charge. I became emotional and said that you all are supposed to be my bank, you're supposed to protect my funds so that funds are not taken out of my account when they're not there. I said that this was a situation that was completely not my fault and I don't understand why I'm having to pay fees for something that was outside of my control. Her response was that 'they don't take sides '. I am a XXXX year old woman who works part time in a XXXX XXXX XXXX XXXX office that has completely no idea what is going on with my account or what my account balance is going to be tomorrow. I am supposed to receive a paycheck today and I am scared to deposit it for fear of being charged more insufficient funds fees. And I can not get a straight answer from anyone at Chase for why my charges are rearranged in this way, and how to avoid getting these insufficient funds fees. | ||||||
| 05/16/2018 | Yes |
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| Due to unsatisfactory resolve, to date, I am escalating this matter to the USA Government consumer protection. I am disputing the information viewed on the copy of the my free credit report outlined herein. I received, a free credit report, a report granted for the purpose of checking in-accuracies. After review of my credit file I herby dispute : 1 ) My name, address, is not, nor ever has been XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX - Address id # XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - Address ID # XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX ( this address is zoned commercial and non residential on a XXXX address search ), or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Address ID # XXXX, or XXXX XXXX XXXX XXXX XXXX CA, XXXX Address Id # XXXX. In addition the Addresses in the notices section of the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX is un-failure to me and is an address I have not been connected with, I dispute the accuracy of listed addresses and request all referenced address. I formerly advise its not accurate. I have attached a copy of my current CA drivers license and residence of over 5 years. Please investigate these matters, and delete the disputed items as soon as possible. This complaint is a request for validation of the above, pursuant to 15 U.S.C. 1692g ( b ). This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute 15 U.S.C. 1692g ( b ). As my address is more than 5 years and California statute of limitations 3 years, additionally provide to me proof that the statute of limitations has not expired for the purposes of either legal enforcement or continued credit reporting. 2 ). Account information. XXXX XXXX XXXX Funding Account Number XXXX has an incorrect date of first delinquency, additionally XXXX XXXX XXXX the original creditor appear to have sold the Alleged debt, claim of {$2500.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the same incorrect date of the delinquency and creating a false expiration date on record, for my personal credit file of XX/XX/XXXX by the reporting of wrong information. The creditors tradeline - - XXXX XXXX XXXX, also fails to note that the alleged debt {$2500.00} was assigned to collections or charged off. This makes it look like I have two delinquent accounts - the original one, and the one ( for the same debt ) that is being reported by the collection agency or debt buyer. Under the fair credit reporting act, It's got to be accurate OR its go to be deleted. Under the fair credit reporting act, as neither account is accurate, and information on file has not got the correct dates or accurate debt amount being reported, I formerly request deleted. XXXX XXXX XXXX, a company I am not at all aware of, nor have I done any business with, has gone ahead and pulled and unauthorized HARD credit pull on my credit file XX/XX/XXXX. This too is unlawful use of my SSN and information under fair credit act. I herby demand the record expunged and if the request is not met I formerly request an investigation of the companies XXXX XXXX XXXX and XXXX XXXX In for ethics and fair credit compliance required of a company under Securities commission regulations. 3 ) Chase Card Account Number XXXX XXXX. Firstly chase has placed multiple calls to my California cell without consent. This in breach of California consumer credit debt collection laws. Additionally, Chase has incorrect date of first delinquency, and the file is reporting only the date it was charged off. I dispute the accuracy the file is not reporting accurate information, I request chase remove this inaccurate information and expunge the file from record. Should the Cell call logs, and call records be required, I can have my representative send them to chase. The Fair credit reporting act does not require me to prove the mistakes of chase, rather it demands reporting of accurate information, dates and event. If its not accurate, its got to go. Please investigate these matters, and delete the disputed items as soon as possible. 3 ) XXXX file number XXXX. I have received in mail a settlement offer of {$5000.00} as part of a XXXX class action settlement now for XXXX charging fees. I have not accepted the offer from court, in order to preserve my rights to a remedy and larger settlement, if unresolved. XXXX is perceived by myself and my attorneys to be in violation of a number of ethics including calling my personal California cell using automated dial up process to collect a set, and reporting inaccurate dates and information. I have been through grief with XXXX. Through soul-searching I have come to the conclusion -- I just want to be left alone by XXXX and will not per-sue settlement and damages in exchange for a make right remedy. Make right remedy is to remove the inaccurate information of the charge off account including the dates and amounts. The date alleged delinquency does not match the date i disagreed with the obligation to pay, under the circumstances and conditions at the time. My dispute to XXXX and questioning of the legitimacy of the action to suspend my card, for missing a payment by just a few days resulted in nothing but verbal threats from XXXX to report nonpayment on credit. XXXX threatened to Harm my credit if I did not just agree with their decision to close the card for one to two days late payment, and continue to pay. XXXX provided me no recourse for their BULLY strategy and totalitarian dictatorship as to the terms. Have XXXX not misconducted itself under SOX and ethical practices guidelines required of a public company, and had XXXX refrained from threats to me, at the time, the card could have been agreed to be paid. XXXX continued to assess me fees, and then more fees, and unethical practices under Sarbarnes Oxley act ( SOX ) the public company simply claimed their actions as " protocol '' and " policy '' and continued to charge a person who's account they closed more fees on fees. XXXX made good on their promise to Harm me, if I did not pay. I demand the Bank expunge of this from my credit, or the Government and SEC investigate the bank and their acts against customers. The inaccurate amounts of debt being alleged as owed by XXXX is not accurate as it includes fees wrongly assed NOW inXX/XX/XXXXhas been agreed by Judges and ruled by court in class action lawsuit I was offered XXXX XXXX settlement. Inaccuracy of reported dates, the discharge and record need to be expunged as the reported file lacks valid basis. 4 ) XXXX XXXX Credit Card. has an incorrect date of first delinquency. Once again, XXXX XXXX, another credit card is reporting inaccurate information. XXXX XXXX in collecting of the alleged debt called my California Based Cell in violation of California cell regulations and debt collection practices. As inaccurate dates and time line of exactly when first delinquency the date the file is to remain on my credit until is inaccurate too. If its not accurate, its got to go. 5 ) XXXX XXXX XXXX XXXX - - Unauthorized credit pull. Under securities commission ethics and guidelines and the SOX acts, a company can not at will go ahead and HARD pull the credit file of an civilian or existing customer or creditor without consent. I did not authorize any hard pull of my credit file. Additionally, if the reason for credit pull was an attempt to collect a debt the obligation under Fair credit act is to Soft Pull credit of the existing customer or creditor in default. XXXX XXXX XXXX XXXX - - Hard Inquired on my credit fileXX/XX/XXXXfor 'unspecified reason '. This is to be deleted. Additionally, as referenced - this complaint with the USA GOVERNMENT - - CFPB is a request for validation of the above account ( s ) pursuant to 15 U.S.C. 1692g ( b ). This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute. Please provide me with the following : - An explanation of what the amount owed is for and how it was incurred, and - An explanation of how this amount was calculated, and - Copies of any documents that show I agreed to pay this amount, and - A verification or copy. | ||||||
| 05/14/2017 | Yes |
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| To Whom It May Concern : I XXXX XXXX, am filing a disputed complaint against the entity of JP Morgan Chase/Banking Institution regarding several various executive personnel 's of theirs. However, in XX/XX/XXXX, I contacted there credit card department and advised their personnel 's that this would be my last payments on both accounts and in further, explained my rationale of extreme financial hardships and other extenuating conditions. As such, they advised me, to go through various channels of credit counseling of affiliated entities of which I complied and commenced. However, shortly thereafter, I started to received calls from various debt collectors which I can vividly recall the many disturbing mayhem 's of their various reproach and approach regarding all their tactical approaches. Throughout it all I was able to survive that terrible experience. So, one day I reached out to JP Morgan Chase Executive Office, in the summer of XX/XX/XXXX, and conversed with a gentleman and a female and shared my extenuating financial hardships and circumstances of which was a continuation for me. I requested that they stop reporting both accounts against my credit which was hurting me, a great deal and in further, explained my rationale. As such, though, and to my surprise they complied in doing so, but between the months of XX/XX/XXXX, through XX/XX/XXXX, something urged me to check my annual credit report, and as was told by JP Morgan Chase Bank, and their executive personnel 's that they would comply and rescind those negative and derogatory reporting 's. That however, turned out to be very untrue. Again, I contacted that same office and this time I was given an earful by one of their female executives which was a very distasteful reproach and approach and was also informed that a letter was being sent out to me with an approval to do so, as well as some tax forms. I said to her then, I do n't recall coming across such letters you, claimed to have send out to me. She then replied saying, it was returned to us stating that the XXXX XXXX was no longer in service that we sent it out to. I then requested that she resend such mails to me at an east coast address of which I was residing at the time as I had moved to get a fresh start and advised her as well of such. She rejected me disturbingly and told me that I had missed out and gave me, nothing but disturbances in her customer service approach. So, here comes XX/XX/XXXX, I contacted, this time the presidents office and was told by a lady to write to XXXX XXXX, and explain all to him my debacles regarding his executives. I said, okay, I 'll think about it. Thereafter, she said, please hold the line while I transfer you to the credit card executive department. As such, I came in contact with a XXXX XXXX, who is believed to be a manager. He said, to me, is this your first time contacting us? I said, no, I have in the past perhaps about two to three times already. He then requested some verification 's of identity and said, okay, I found both accounts under your name. So, then I proceeded by sharing all of the details of my dealings with past executives, and advised him of the same actions requested to be carried out. He then assured me, that he would be taking care of me and that if I do n't here from him by Tuesday, of next week to call him at an XXXX and extension number that he provided me with. I said, okay, and thanks for all of your time. Shortly thereafter, I received an e-mail from a XXXX XXXX, with an extension and an XXXX number with details confirming my call etc. So, a week went by and no return calls from XXXX XXXX, as he had promised and indicated to remedy all matters. Because of XXXX 's, failure I decided to touch base with XXXX XXXX, and as such, he advised me, that he is now, in charged of taking care of all my concerns and requests going forward. I said, to him, then, that this entire matter is just very strange and does n't make any sense. And why did XXXX, assured me otherwise, and now, it 's the opposite? His response was now, that he has been assigned to my case and XXXX, is in charge of taking the intake and thereafter, he then appoints me. So, that 's all he does. Because of such, misleading actions of XXXX, I decided that it was in my best of interest to rehash everything to XXXX, just to be sure that he was aware of all my query 's and making sure, he was on the same page in general. But to my surprise this was not the case with the so called new appointee. He just seemed to me the opposite with regards to all my concerned request. As, such, he informed me, that he would be reaching out to me, in about a week. He did and that turned out to be literally all for naught, and a terrible customer service nightmare. XXXX, started out as one that perceived himself to be very sincere, and also as a sales pitch person by trying to reel me in as if he would be fulfilling all my request, and along with some laughter in his deliveries. He said'st, okay, I found the one account here, and just before he proceeded any further he decided to ask of me, to verify myself. So I did. He then indicated to me that he had reached out to various research and investigative departments and so, your request is here by approved. I said, what about the other account? And why is that other account not being approved? He gave me nothing but conjectures, convoluted deeds, evasiveness, vagueness, and constant rhetorical fallacies surrounding the matter. I pressed him more, and more and it became even more apparent with the same disturbing outcome. when he saw that I was n't buying any of his pathetic lies, he then tried to patronize me in subduing. Still did n't work. Thereafter, I informed him of all my displeasure 's, and in further, informed him that I would be taking alternative steps to ensure that all my request is being fulfilled. For proof of XXXX 's, false claims I called in to XXXX, and was informed that JP Morgan Chase, did not take such measures to have both accounts deleted or anything of that effect in general. Nothing but dishonesty 's coming from their top executives. Again, I reached out to there executive office and filed a verbal complaint with a female rep that took all my intake. She then advised me, that a team executive manager would be reaching out to me in about 72 hours. As such, I received about three to four calls with voicemail messages stating start and end times when to contact a XXXX XXXX. However, I had no success each time I did so, and it was always a voicemail of his that I was getting. So, I called his executive office again, and got the same lady. She said, please hold a moment and thereafter, she advised me, that she will be sending XXXX, a message to contact me. To no avail, that call never materialized. So, I stayed the course without giving up and would leave various messages on XXXX 's phone advising him of what actions I 'm about to take. I also stated to him on his voicemail that you give times and work schedules yet you 're not picking up, and which in turn makes no sense. But, with my constant diligence, a week after I was able to converse with XXXX. However, this was just all for naught, and it became very apparent that XXXX, was not incline to remedy the matter in anyway, nor did he cared about any of the subject matter, based on his lack-luster approach, and disengagement phone demeanor and also informing me, that he has the letters that was sent out to me in XX/XX/XXXX, and now, returned to them in XX/XX/XXXX. Nothing but more dishonesty 's and convoluted deeds by top executives etc. As such, I stated to XXXX, all my dissatisfaction 's, and advised him of what actions I would be taking differently going forward. And as such, as it pertains to the terrible and disheartening experience throughout all my dealings with JP Morgan Chase, and some of their top executive personnel 's from the onset without a doubt for such, and perhaps, the biggest bank and financial institution in corporate america. Repercussions and consequences of stiff penalties of justice must be executed for false misrepresentation and for which became an act of extreme habits causing nothing but immense disturbances with such atrocious and very bad norm of practices etc. | ||||||
| 09/29/2021 | Yes |
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| Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it. I XXXX XXXX entered a consumer credit transaction with JPMCB on XX/XX/XXXX. I investigated and found fraud and several violations committed by JPMCB. A consumer credit transaction in which finance charged was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction the finance charge does not include cash. J. P. Morgan ( Chase ) in fact took electronic cash from me as monthly payments from XX/XX/XXXX through XX/XX/XXXX, and JPMCB continues to apply additional charges to the alleged account as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit F since XX/XX/XXXX. 15 USC 1666d ( B ) ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. J. P. Morgan ( Chase ) in fact produced false and misleading statements since XX/XX/XXXX, that I owe the alleged debt on a positive balance due, J. P. Morgan ( Chase ) has failed to refund me any part of the amount of the remaining credit balance, upon request of the consumer as shown in Exhibit D which was sent XX/XX/XXXX, and Exhibit F sent XX/XX/XXXX. 15 USC 1692c ( b ) ; communication with Third Parties : without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. J. P. Morgan ( Chase ) in fact has provided third parties personal, false, and derogatory information that is sabotaging my character without my consent as shown in Exhibit F since XX/XX/XXXX. 15 USC 1692c ( c ) ; ceasing Communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. J. P. Morgan ( Chase ) in fact continues to communicate with me after J. P. Morgan ( Chase ) acknowledged on XX/XX/XXXX, my cease-and-desist letter in Exhibit A. Also, J. P. Morgan ( Chase ) stated in Exhibit A they plan to continue to send me future communications as shown in Exhibit B, Exhibit C, Exhibit D and Exhibit E all dated after XX/XX/XXXX, XXXX.15 USC 1692d ( 1 ) ; the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. J. P. Morgan ( Chase ) in fact has sabotaged my reputation by threatening to report as shown in Exhibit D and is reporting fraudulent and delinquent information to third parties as shown in Exhibit F since XX/XX/XXXX. 15 USC 1692d ( 2 ) ; a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. J. P. Morgan ( Chase ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit C, Exhibit D and Exhibit F since XX/XX/XXXX. 15 USC 1692e ( 2 ) ( A ) ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. J. P. Morgan ( Chase ) in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit C and Exhibit D since XX/XX/XXXX. 15 USC 1692e ( 10 ) ; the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. J. P. Morgan ( Chase ) in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit D since XX/XX/XXXX. 15 USC 1692f ( 1 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. J. P. Morgan ( Chase ) in fact attempts unfair debt collection monthly as shown in Exhibit D since XX/XX/XXXX. 15 USC 1692f ( 7 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. J. P. Morgan ( Chase ) in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit A, Exhibit D and Exhibit E since XX/XX/XXXX. 15 USC 1692f ( 8 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. J. P. Morgan ( Chase ) in fact uses a symbol other than the debt collectors address and it indicates that J. P. Morgan ( Chase ) is in the debt collection business on an envelope when communicating with me via physical mail and telegram ( e-mail ) as shown in Exhibit A, Exhibit B, Exhibit C, Exhibit D and Exhibit E since XX/XX/XXXX. 15 USC 1692h ; if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer. J. P. Morgan ( Chase ) in fact has applied such payments to the alleged debt disputed by me as shown in Exhibit A and Exhibit F since XX/XX/XXXX. J. P. Morgan ( Chase ) has failed to apply such payment in accordance with my directions as shown in Exhibit D since XX/XX/XXXX. The following attachments were received by JPMCB : Affidavit of Truth, Invoice, Cease and Desist Letter, Exhibit A, B, C, D, E and F on XX/XX/XXXX. JPMCB has failed to provide me with a response to the Affidavit of Truth delivered to them on XX/XX/XXXX and continues to commit the violations mentioned above. I will also attach the return receipt signed by a JPMCB employee and the certified mail receipt I receive from USPS. | ||||||
| 01/12/2021 | Yes |
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Web | Older American, Servicemember |
| I am a Chase checking account holder and have been for over 20 years. I also have a savings account with XXXX XXXX. I recently requested Chase to transfer some of my funds to XXXX. The transfer request was made about XX/XX/2021 and Chase indicated it would need to be scheduled for transfer on XX/XX/XXXX. Chase on-line indicated the funds were " sent '' on the XXXX. I checked my XXXX on the XXXX and the funds had not arrived. In fact the funds did not arrive at XXXX until the XXXX. When I queried the Chase online information it stated that " sent '' and " delivered '' are two different things. They indicated that " delivery '' is two days after " sent ''. This raised my curiosity about why such a " two day delay '' was being imposed? I wondered if it was a " real '' ( ACH ) transfer delay or perhaps an arbitrary delay imposed by Chase. The reason I was curious was because XXXX also uses ( ACH ) to transfer my funds from XXXX to Chase, but XXXX does NOT impose a two day delay. [ at XXXX they indicate that fund transfers requested before XXXX will be available at the receiving bank the next morning ] So this comparison of ACH transfers seemed to indicate that Chase was imposing a two-day delay arbitrarily. My point is that : if XXXX can transfer via ACH to Chase overnight, why can not Chase, similarly, transfer ACH to XXXX overnight as well? Why is Chase imposing a 2 day delay when my funds are not available to me? So I wrote several letters to Chase asking about WHY the 2-day delay? In their response they attempted to convince me that it was necessary delay as part of the ACH transfer process. So I asked them to explain why? I told Chase that XXXX can transfer via ACH overnight and XXXX does not impose a 2-day delay. In each answer from Chase they avoided giving me any real reason about WHY the 2-day delay was " required ''. I asked the in my last letter to specifically address my question about why XXXX can deliver via ACH overnight but Chase imposes a " 2-day '' delay? Each specific question I posed was met with no specific or written explanations as to why the 2-day delay was needed. Now, in my last respose from Chase they told me they would no longer respond to my queries about this matter. I responded by asking again to simply put in writing why they impose a 2-day delay and to explain in writing why or if this is a truly legal banking practice? So in conclusion : I am asking CFPB to look into this matter, because I am suspicious that Chase is choosing to impose a " 2-day delay '' for purposes that may be to their advantage only and I am not able to access my funds during this " 2-day delay '' period. Here I will attach the string of correspondence about this matter between Chase and myself over the last few days : -- -- -- -- -- -- -- -- -- -- Sent XX/XX/2021 XXXX XXXX To Online Banking Support Subject Re : Transfer Inquiry - Generic Print this page CATEGORY TYPE : Re : Transfer Inquiry - Generic ATTACHMENTSIZE:0 All I am asking you to do is to provide a written EXPLAINATION of why XXXX does not claim to " need a 2 day ACH delay '' using ACH but Chase does take a two day delay?? ALL I ask you is WHY do you do this? WHY? When you know it is clearly NOT an ACH requirement since XXXX uses ACH and delivers overnight? WHY does Chase elect to do this? And is it a " legal banking practice '' to do it? Are you telling me that you refuse to answer my question and are therefore " driving '' me to take my question to the Federal Consumer Protection Banking dept? All I'm asking you to do is EXPLAIN ( in writing ) why you " claim it is an ACH '' requirement .... when, I'm quite sure, you know it is not. -- -- -ORIGINAL MESSAGE -- -- - Hello XXXX , Thank you for contacting us. We appreciate your feedback and share this to the appropriate team. XXXX, I understand and respect your position. I'm sorry that there's nothing more we can do to help you with this issue. We won't respond again, but we'll keep the information you sent us about this on file. Please contact us with questions or concerns. We're here to help and are committed to providing you excellent service. Thank you, XXXX Chase Email Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : Transfer Inquiry - Generic ATTACHMENTSIZE:0 Obviously you did not READ my message. I was NOT asking you for why money did not transfer INTO my account on time. NO ... ( and btw, 3 to 5 days is unconscionable ) So I was asking you to explain WHY my outbound transfer from Chase to XXXX takes so long. Where is my money after you say it was " sent '' but hasn't been " delivered ''?? There is no imaginary location between sent and delivered. You claim it was sent on the XXXX but delivered on the XXXX. Where is my funds during those 2 days? ... In an electronic transfer from Chase to XXXX ... the electronic signal goes directly from Chase 's computer to XXXX 's computer ... there is no imaginary " in transit '' location. You know this and I know this ... because when I transfer funds out of my XXXX account to go to my Chase account, XXXX ( If I request the transfer at XXXX prior to XXXX ), the funds always show up in my Chase account first thing the next morning. So if XXXX can send money to Chase without any delay ... WHY does Chase have a phony delay from Chase to XXXX? -- -- -ORIGINAL MESSAGE -- -- - Hello XXXX , Thank you for contacting Chase , and it is my pleasure to review your request. XXXX, please note that for most external transfers ; it may takes three to five business days to receive funds and for them to appear in your account. Thank you, XXXX Chase Email Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : Transfer Inquiry - Generic ATTACHMENTSIZE:0 XXXX did NOT put a " hold '' on the funds ... No. XXXX did not receive them when I wrote to you. Why does Chase say " sent XX/XX/XXXX '' .. but " Delivery on XX/XX/XXXX ''????? Why not deliver on the same day. Chase is taking advantage of my funds by deducting them from my account as soon as I make the transfer request XX/XX/XXXX, ... and then Chase keeps those funds for their own use until they scheduler the transfer on XX/XX/XXXX. How ever Chase STILL keeps my funds ANOTHER 2 days, by not delivering until the XXXX. That is unfair to me, you customer. It is not necessary to do this. Chase is taking advantage of holding my funds from XX/XX/XXXX till XX/XX/XXXX and I do not have use of my funds while Chase has my funds. Why do you falsely claim that it is " in transit ''. WHERE is the money, if XXXX has not received it and Chase says it was " sent ''? Why does only CHASE do this? XXXX does not play games with my money like that. No. If I request a transfer from XXXX prior to XXXX to deliver to Chase, the money is in my Chase account 1st thing the next morning. So if XXXX can transfer my funds from them to you overnight .... why can't Chase transfer from Chase to XXXX the same way? Your excuse of " in transit '' is just a poor business practice and you are taking advantage of keeping my funds longer than needed. -- -- -ORIGINAL MESSAGE -- -- - Hello XXXX , Welcome to Chase Secure Message Center. We'll be sure to provide some assistance regarding your online funds transfers concern. XXXX, we confirmed that your transfer was sent as you requested. Here are the details of your transfer : - Transferred from a Chase account ending in XXXX - Transferred to a non-Chase account ending in XXXX - Transfer amount of {$600.00} Transfers to an external non-Chase account should be available in the external account within two business days from the Send On date. Other financial institutions may place a hold on the deposit ; Chase can't remove or modify the hold placed by other financial institutions. We value your relationship with us, and we hope that the information we provided is helpful. Thank you, XXXX Chase Email Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXXXXXX NAME : XXXX XXXX DBA XXXX XXXX Transaction number : XXXX Reason XFER_NOT_RECEIVED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | ||||||
| 02/22/2023 | Yes |
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| My Wife and I are having very unusual activity and interaction with our local Chase Bank from their employees locally, and from the Fraud Department. We had {$25000.00} stolen from us, and immediately attempted to get it back. In this attempt were have been getting the run around, as well as bank officials falsifying their report when we made our complaint. Plus, the denial of filing a Fraud Claim, still to this day. The theft from our bank account started over a month ago. On XX/XX/2023 in XXXX Washington 3 fraudulent unauthorized transaction occurred. One transferred funds from my Chase checking account to my wifes Chase checking account, then a wire transfer was made to a XXXX XXXX account to XXXX Alabama XXXX XXXX at XXXX XXXX XXXX for the amount of {$6500.00}. A Second similar fraudulent unauthorized wire transfer was made from my wifes checking and savings account to a XXXX XXXX accounts in XXXX Alabama XXXX XXXX at XXXX XXXX XXXX for the amount of {$11000.00}. The Third was made to XXXX XXXX account in XXXX Florida XXXX XXXX at XXXX for the amount of {$6900.00} sum total amount of {$24000.00}. My wife noticed the unauthorized transfers immediately at approximately XXXX XXXX XXXX. She got a call from XXXX ( Chase Fraud Specialist ) which got disconnected. She then called the Fraud Department using the number on the back of her card and talked to XXXX ( Fraud Specialist ) to start a claim. It was apparent that XXXX ( Fraud Specialist ) did not know what she was doing so we went down to our local bank to at XXXX as they opened. At approximately XXXX, we talk to XXXX XXXX XXXX XXXX Branch Manager ) to file a formal Fraud Claim. He brought in XXXX XXXX XXXX XXXX Bank Specialist ) to help us. She noticed that the funds in question were pending in XXXX XXXX banks in Alabama and Florida. She restricted/ locked our accounts and went through over 3 hours of questions. We assumed she was gathering information for the Fraud Claim ( Which Did Not Happen ). She then told us to go to the XXXX Branch to get new accounts. At approximately XXXX my wife and I met with XXXX XXXX ( XXXX Branch Manager ), XXXX XXXX ( XXXX Branch Manager ) & XXXX XXXX ( XXXX Bank Specialist ). They asked us questions and set up new accounts for each of us. This process took approximately 3 hours, and we assumed that it was part of the Fraud Claim. On XX/XX/2023 I received a phone call from XXXX XXXX ( XXXX Bank Specialist ) to inform me that the Recovery Claim dept could not recover the two wire transfers ( One for {$6500.00} and for {$6900.00} a total of {$13000.00} ) claim # XXXX. She said that the {$11000.00} is still pending. She said that XXXX XXXX said the transfers were authentic because the codes given were confirmed & legitimate. At this point I ask for the Fraud Claim #. She responded by saying the Recovery Claim is the same as the Fraud Claim. XX/XX/2023, My wife & I went to the XXXX XXXX to find out why no Fraud Claim was made. XXXX XXXX ( XXXX Bank Specialist ) and XXXX XXXX ( XXXX Bank Specialist ) filed an Escalation Claim with us. They would not give us a copy of the Escalation Claim or a Claim # because it was internal office use only. No Fraud Claim was made. On XX/XX/2023 I went to the XXXX XXXX and asked XXXX XXXX ( XXXX Branch Manager ) to have the wire transfer fees off of my wifes account since they were fraudulent. He said that they will be removed. The next day I spoke to XXXX XXXX ( XXXX Branch Manager ) again and told him that my wife is getting overdrawn fee on the account that is restricted/ locked. He said that could not happen, He explained, there should be no activity happening on that account but yet it did. I asked him to look it up and he discovered the account ending in XXXX was labeled restricted, but had several transactions being conducted over the last couple of days. I asked him who has the power to override restricted accounts to allow transactions. He replied he didnt know. On XX/XX/2023 approximately XXXX, I called and spoke to XXXX from the Fraud Department , and tried to file a Fraud Claim ( XXXX XXXXXXXX case XXXX XXXX XXXXXXXX ). Later on that day of XX/XX/2023 at XXXX, my wife and I went to meet with XXXX XXXX XXXX XXXXXXXX Branch Manager ) at the XXXX XXXX to have my wife 's wire and overdraft fees removed ( an appointment set up by XXXX XXXX XXXX XXXX Bank Specialist ) ). Evidently, it was an appointment that was never made, and XXXX XXXX ( XXXX Branch Manager ) refused to meet with us. As the week continued on, Chase Managers and Specialist kept giving us the run around, and it felt like they began to stonewall us. Something strange and odd is happening at Chase Bank. On XX/XX/2023 approximately XXXX, we met with XXXX Police officer XXXX XXXX to file a Police Report ( XXXX XXXXXXXX ). Then another strange and odd thing occurred on XX/XX/2023 when I noticed that the Fraud Claim # that I got from XXXX ( Fraud Specialist ) on XX/XX/2023, was the same as the Recovery Claim # XXXX. I immediately called the Chase Fraud Dept. and XXXX and I spoke to XXXX ( Fraud Specialist ) who said a Recovery Claim is different from a Fraud Claim, and that no Fraud Claim was Made. I thought this was strange since I spoke with XXXX ( Fraud Specialist ) a few days ago. It turns out it was a XXXX Fraud Claim that I made with XXXX. She informed my wife that the Recovery Claim was denied due to a manager who had ( Falsely ) reported that XXXX gave out personal information over the phone ( which did not happen nor did we say it happened ). XXXX replied, that no personal information was given out, and asked the name of the manger who reported this. XXXX said she didnt have that information. She proceeded to initiate a Fraud Claim where we were put on hold several times, and gave us a Claim # XXXX. We both explained, that the number is the same as the Recovery Claim #. She then changed her statement that Fraud Claims are the same as Recovery Claims. This is when I realized that we were being stonewalled, and they were refusing to initiate a Fraud Claim. The following Monday XX/XX/2023 at about XXXX I went into the local Chase Branch and Met with XXXX XXXX XXXX Branch Manager ). I told him that a manger falsely reported that XXXX gave out personal information. I asked how do I get the report corrected that reflects what had actually happened. He told me that I had to talk to XXXX XXXX ( Bank Specialist ), and that I would have to come back since shes not working today. Four days later I came back at XXXX XXXX XXXX. Where XXXX XXXX ( Bank Specialist ) had walked in before me. The Teller called me over to make an appointment with XXXX XXXX ( Bank Specialist ) because I have to wait until XXXX XXXX ( Bank Manager ) is present who happened to be gone. I explained to the teller that XXXX XXXX ( Bank Manager ) had instructed me to come back to talk to XXXX XXXX ( Bank Specialist ). Now that XXXX XXXX ( Bank Specialist ) is available I have to wait until XXXX XXXX ( Bank Manger ) is available. I told the teller it feels like Im getting the runaround, but I did set up an appointment with both of them on Tuesday XX/XX/2023. On XX/XX/2023 I got a call from XXXX XXXX ( Bank Manger ) asking me the reason for the appointment. I explained wanted to know why they reported misinformation that personal information was volunteered. Which is absolutely not accurate, and I wanted them to correct it. Chase has treated us in an unprofessional behavior. I also want to know why Chase is refusing to file a Fraud Claim. I want an explanation on why wire transactions were not frozen before completion without notifying, verifying and confirming the transaction with the owner of the account. I want an explanation on why a wire transaction was not stopped, when the owner of the account has no history of wire transfers. I want to know who has access to our accounts that can give authorization codes for wire transfers. I want to know why no initial Fraud Claim was made. I want an explanation how an account that is restricted/ locked can still have active transactions. I want FDIC to use the insurance to return the {$24000.00}. Plus refund the wire and overdraft fees. | ||||||
| 09/23/2021 | Yes |
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| In XXXX of XXXX i began the process of refinancing my home with XXXX XXXX. After the initial paperwork began, my financial advisor with JP Morgan, Chase bank advised me to check with Chase loan department to see if their rates had come down. i was told by Chase prior to starting the process they had no intention of lowering their loan rates, however, they were able to meet what XXXX had offered, and since i was currently with Chase, i decided ( unfortunately ) to stay with them. i initially spoke with XXXX to get the process started, filling out the paperwork etc. He did some of it via phone, sent it to me to fill in the rest. i initially told him i would be getting my own Title Company, not going with Chase 's Title company of choice. After hours of research and long distance phone calls, i chose XXXX XXXX in Texas. When i filled out the remainder of the application, i filled in the information of XXXX XXXX. Throughout the different steps of the process, i was talking to different people, giving them the information they needed regarding my Trust which this property is held in. After a couple of months of waiting, XXXX XXXX, ( the final person i was dealing with ), on XX/XX/XXXX, contacted me to tell me the signing would take place on Friday, XX/XX/XXXX. XXXX said she would send the documents to my Title Company ( XXXX XXXX ). Monday, XX/XX/XXXX, i sent an email to XXXX XXXX at XXXX XXXX to advise her of the signing information. She cc 'd me on her emails to XXXX XXXX & XXXX XXXX ( XXXX XXXX ) regarding the closing documents. Tuesday, XX/XX/XXXX, Email was sent from XXXX XXXX of Chase XXXX to XXXX XXXX at XXXX XXXX to access the portal to balance the cd. Ms. XXXX also asked XXXX to confirm HOW am I vested? XXXX responded with the answer : My title is held in my Living Trust. *** ( Chase was aware my title would be held in my Living Trust as they asked for a copy of my trust, which I provided. ) *** Tuesday, XX/XX/XXXX : XXXX XXXX ( XXXX XXXX ) called me to go over pertinent information i needed for the signing, double check & confirm the fee 's ( her fee 's were much lower than what was quoted by XXXX at Chase ) and to give me the name & phone number of the Notary i would be working with - XXXX XXXX with XXXX. Tuesday, XX/XX/XXXX : XXXX XXXX called me to confirm date & time of signing : Friday, XX/XX/XXXX at XXXX. Thursday, XX/XX/XXXX XXXX is asking XXXX XXXX where the closing documents are. Thursday, XX/XX/XXXX, XXXX XXXX i received a phone call from a woman named XXXX who said she was going to be my Notary and wanted to confirm the date/time of signing- Friday, XX/XX/XXXX at XXXX. I found it odd that I would receive a phone call late in the evening, but thought perhaps an emergency came up with XXXX and she would be unable to be my notary. It was also too late for me to do anything about it. FRIDAY, XX/XX/XXXX : XXXX XXXX Received a phone call from XXXX XXXX ( XXXX and XXXXotary of record with XXXX XXXX ), telling me she had not received my documents and would have to push back our time to XXXX XXXX I informed her of my phone call with XXXX last night, XXXX said, If XXXX has the documents, that must be why I dont. Go with XXXX and dont worry about it. Sometimes they overbook. XXXX call me if XXXX shows. XXXX contacted her company who in turn contacted XXXX XXXX thinking XXXX XXXX went behind their back to go with another company and asking who XXXX was. XXXX telling XXXX, per me, XXXX called me. ( this was unknown to me at the time, only found out during the course of my investigation and fact finding ). Since receiving this call from XXXX, I am now concerned that there is going to be an issue. FRIDAY, XX/XX/XXXX : XXXX XXXX I called XXXX, was unable to leave a message as her voicemail box was full. I immediately sent an email to XXXX at XXXX XXXX with my concern. FRIDAY, XX/XX/XXXX : XXXX XXXX XXXX saw I called her and returned my call. She advised me she had been taken off the case before she even received the paperwork. She could tell I was concerned and tried to assuage those concerns telling me, it happens all the time, dont worry. I asked XXXX, Who do you work for?, expecting her to give me the name of her notary company. She answered, XXXX. ( this is the title company of choice for Chase XXXX, and NOT the title company I chose! ) After this exchange, I spoke with XXXX via phone trying to piece all this together. It dawned on me finally, who XXXX was. We are both scrambling trying to fix this problem. I advised her I would be emailing Chase about what is happening. FRIDAY, XX/XX/XXXX XXXX XXXX. ( Texas time ) - XXXX received an email from XXXX XXXX ( Chase ), saying she emailed my closing document package to XXXX, please confirm receipt. XXXX XXXX ( XXXX ) replied : Documents not received. ( The documents were not received because they were sent to XXXX. FRIDAY, XX/XX/XXXX XXXX XXXX ( Texas XXXX ) XXXX XXXX ( XXXX XXXX ) emailed XXXX XXXX ( Chase ), telling her the closing documents that were sent her to balance, were, AGAIN, for XXXX and not XXXX XXXX, and, XXXX had done the balancing previously during the week. ( XXXX XXXX ) FRIDAY, XX/XX/XXXX XXXX XXXX ( Texas time ) Loan documents FINALLY generated by Chase and FINALLY sent via secure email to XXXX XXXX. ** Several emails sent between Chase and XXXX ( XXXX ) stating my documents were emailed to XXXX, however, they were never sent to XXXX, they were sent to XXXX. After basically handling this fiasco of a situation with no one but XXXX helping me, my documents were finally signed late Friday afternoon. Chase Loan Department states the fault lay with XXXX XXXX, instead of acknowledging their error sending my documents to their Title company, XXXX - their excuse being that was on the " initial '' paperwork. i am attaching complaint information, letters sent, copies of emails, notes taken, screen shots of the survey i " Finally '' got back. So, as part of this complaint, a survey came into my " inbox '' regarding my experience with the " refinancing '' of my home. It was in my email in the morning, then it was GONE. i believe Chase " recalled '' the survey because of all the phone calls & emails of complaint i was sending. i did some of my own investigation and collected information from that, that is also attached. It took me several days to find out who the President/CEO is of JP Morgan-Chase , then another several days trying to find the address of that person. This was very difficult due to the pandemic and no one answering the phones, but i persisted and Finally got the information i needed to send yet another complaint letter. Everyone has a supervisor, and the " supervisors '' i was attempting to contact weren't getting back to me, so i went to the top! i sent a letter to Mr. XXXX, President/CEO of JP Morgan with his office in New York . That letter is also attached. He forwarded my complaint to a woman ( i can not remember her name ), who said she would be doing her own investigation. ( Due to the pandemic, i have not been home, caring for a family member ). She left a lengthy phone message that was cut off due to the length, basically stating the same thing, the fault lays with XXXX XXXX. i contacted XXXX XXXX to confirm they were contacted by her, and they WERE NOT! i don't know how in the world anyone can conduct a THOROUGH investigation and NOT contact ALL parties involved. That is suspicious, unprofessional and NOT transparent. Unfortunately, this is not the first time i have had problems with Chase during the " signing '' of closing documents. When i purchased my home in XXXX, XXXX XXXX in XXXX, CA was a No Show at the signing, telling me she had a prior engagement/vacation scheduled, but her assistant would be there. The assistant was a no show also, as well as the Notary- who had not been notified. Being a Chase Private Client, i was able to contact my financial advisor who was able to help me by making some phone calls for me. Needless to say, i finally signed my papers at XXXX. that night after a completely wasted day caused by Chase Loan Department. And, in that light, instead of XXXX XXXX claiming her mistake, she blamed her assistant. | ||||||
| 01/15/2022 | Yes |
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| As someone who regularly refers clients to lending institutions for refinance and property purchase transactions as a part of my career, I can honestly say that I am shocked by how unpleasant and stressful this process was for my spouse and me. I have never had a client encounter such an egregious example of ineptitude, irresponsibility, and, in the end, disingenuous dishonesty. Our refinance application was started XX/XX/XXXX. My spouse and I reiterated time and time again that we were motivated to wrap up the refinance and supplied everything requested immediately within 1 business day each time a new request came out. Each time the bank issued another order for documents, we responded and provided the information requested within 1 business day. We also scheduled our appraisal, as well as our re-appraisal, within 1 business of being contacted. We were as on top of everything as we possibly could have been. Our first communication to Chase that we wanted to wrap things up as quickly as possible was in mid XXXX. We closed on XXXX, four months after the application process began. Delays such as those that will be detailed below caused by Chase bank 's underwriter 's lack of timely response stretched our refinance process to be more than 4 months. Chase, then, required a second Credit pull due to the length of time the loan was in underwriting since the loan was not ready to close by XXXX. This need for a credit pull could have easily been avoided without all, or even one less, Chase-induced delays. This second credit pull negatively impacted our credit score. In addition, this second credit pull caused our fees for the closing to be {$1900.00} higher than they should have been ( our credit scores dropped as a result of the pull, enabling Chase to charge us more to close ). During the application process, we were informed on a number of occasions in writing by our XXXX that Chases underwriting and loan department was backed up. A number of times during the application process, we would submit documents or a response, only to hear nothing for 1-3 weeks. The first major delay we noticed was when we contested the results of our first appraisal in XXXX. We submitted all requested information immediately within three business days. However, it took three weeks for Chase to determine that a second appraisal was warranted. As soon as we were contacted by the appraiser, we scheduled an appraisal for his first available date, which was two weeks out. The lack of timely review of the information we provided by Chase unnecessarily delayed the underwriting process by three weeks. After the second appraisal, Chase underwriting, again, delayed by an additional two weeks before notifying us anything. After inquiring as to the results, I received notification by the XXXX that the appraisal had been returned on XXXX, which, as I mentioned, was several weeks after the second appraisal was completed. Of the 7 weeks added to the underwriting process as a result of this second appraisal being needed, only two weeks were as a result of the actual appraisal. Five of those 7 weeks were delays caused by Chase in responding to us, issuing the request, and reviewing the information obtained. For the ensuing 6 week period, time and time again, we thought we had everything done, only to be told that something else was needed after a 3-4 day delay. We supplied that information immediately each time within one business day. Then, after 3-4 more days, we would find out that something else was needed. This happened over the course of 6 weeks. I have We stressed that we wanted to the loan finished and would supply everything needed, but Chase did not provide a thorough list of items needed and, instead, spread this frustrating period over a month and a half. Another cause of delay pertains to the subordination agreement. While the attorney representing the second lien on our property was not responsive, we began inquiring from Chase as early as XXXX whether they had received what they needed in regard to this. We also asked to be CCd on communication between Chase and the attorney drafting the subordination agreement so that we could make sure it was completed in plenty of time. We did not hear back that there was a problem, nor were we included in any communications until XXXX. Had we been included or notified of a lack of response from the subordination agreement attorney in XXXX when we first asked, or even in XXXX when there was a problem, we could have been involved much earlier and avoided this additional delay. Although we were finally cleared by the bank to close on the refinance on XXXX, the loan closing documents were not received by our attorney until XXXX the day of closing, XXXX. This gave the attorney one hour to review the documents before our closing, which was scheduled at XXXX. We were not able to review the documents prior to closing due to delays by Chase bank in preparing the paperwork. Chase has known we were closing today since the loan was cleared last Friday XX/XX/XXXX. This is not only frustrating, but infuriating, and unacceptable. I have written record of email communications on 31+ separate occasions attempting to find out the status of the loan, the cause for delays in Chase 's responses, and what else was needed from us so that we could close. Again, we supplied everything as soon as requested within 1 business day. Among other communications, we have separate emails received from our XXXX and his underwriting support person on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I raised my concern about the higher closing costs we would be paying, I was advised by my XXXX to file a complaint after closing to Chase. He said that he would advocate for us to obtain a refund of this difference. I submitted my complaint as instructed by him on XXXX immediately after we closed. After almost two weeks passing by, I followed up with the XXXX on XXXX and was advised, again in writing, that the typical review usually takes a total of XXXX weeks. I followed up next on XXXX after not hearing any update since, at this point, XXXX weeks had passed. I did not receive a response. I, again followed up for a response on XXXX. Again, I did not receive a communication back of any sort. I believe this delay and lack of response, which is documented, is further evidence of the kind of delays and lack of communication Chase provided during the application process. On XXXX, I asked my personal banker to assist us and look into this since we had not received a response from our XXXX after 53 days of waiting and multiple followups that were not acknowledged. On XXXX, which was XXXX full days after the initial complaint, I received a call from the escalations department saying that the bank was denying the request and would not be providing a refund. The bank blamed delays on the second appraisal and delays with the subordination paperwork as the reason. However, as I indicated above, there was an unnecessary 5-week delay caused by Chase in regard to ordering the second appraisal and notifying us of the results, as well as no communication with the subordination issue that would have alerted us to a problem in which we could get involved. Their actions in this underwriting application are irresponsible, unethical, unprofessional, and dishonest to blame this experience on a second appraisal being needed. At the very least, we feel that the {$1900.00} we paid in higher fees should be absorbed by Chase and refunded. We feel this is appropriate since the second credit pull would not have been necessary if Chase underwriting has not caused unnecessary delays of weeks and weeks by their repeated and inexcusable delays during the entire application process. I look forward to hearing back. Thank you. | ||||||
| 08/24/2021 | Yes |
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| On XX/XX/XXXX JPMORGAN CHASE & CO ( referred to as JPMC ) a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) has written a response through the bureau ( defined under 15 U.S. Code 1692a ( 1 ) ) to the consumer and Original Creditor. The response claims " We confirmed the debt associated with your accounts ending in XXXX and XXXX are valid. '' May I ask how they were validated, pursuant to 15 U.S. Code 1692g ( a ) or 15 U.S. Code 1692g ( b )? The sentence immediately following that states, " We own the accounts .... '' If JPMC owns the accounts, how are they asking to have a XXXX XXXX consumer pay an alleged obligation that has not been verified or can be proven by contract the alleged obligation is lawfully owed? These accounts are an incident of a natural person granting credit to a debtor to defer payment of debt or to incur debt and defer its payment, pursuant to 15 U.S. Code 1602 ( f ). I must add that a 'creditor ' refers only to a person and pursuant to the TILA, the term person means a natural person ; 15 U.S. Code 1602 ( e ) lawfully supports that. JPMC has proved they have gotten my cease and desist, but is not honoring it pursuant to my right under, 15 U.S. Code 1692c ( c ). JPMC states, " Your accounts were previously updated with a cease and desist on XX/XX/XXXX. This means no outbound calls or mail are sent to you unless we are responding to your initiated action or escalation. Monthly statements will continue to be sent on your pre-charge off accounts. '' Okay, under the FDCPA 15 U.S. Code 1692a ( 2 ) communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. So, why would JPMC deceive me into thinking ceasing communication relates ONLY to outbound calls or mails? From my understating of the FDCPA, 15 U.S. Code 1692c ( a ) clearly states, " Without the prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt .... '' My original cease and desist was received by JPMC on XX/XX/XXXX. 15 U.S. Code 1692c ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except for, 15 U.S. Code 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). I have attached a screenshot of this statue and code ; I made the bureau aware of this violation on XX/XX/XXXX case number XXXX. Congress has written explicitly what kind of communication shall come after a cease and desist, why would JPMC attempt to sway me into thinking differently? What lawfully established claim does JPMC cite in regard to my cease and desist? JPMC has known since XX/XX/XXXX of cease and desist according my green return receipt accompanied by tracking number XXXX - USPS. I also included this as an attachment. Communication, directly or indirectly should have lawfully stopped. Why does XXXX continue to communicate with me indirectly through the 3 major Consumer Reporting Agencies? That is a violation, isn't it? I asked for it to communication to cease and desist, kindly. JPMC states in their CFPB response, " The information we are sending to the credit-reporting agencies match our records. '' Pursuant t 15 U.S. Code 1692d ( 1 ) is looking to harm my reputation by indirectly speaking on private matters where congress has already identified, " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. That was 15 U.S. Code 1692 ( a ). I asked for communication to stop with me through ANY and ALL mediums. JPMC states in their CFPB response on 8/23/2021, " Monthly statements will continue to be sent on your pre-charge off accounts. '' They continue to state, " The alleged facts and statements in your letter are legally insufficient, without merit, and do not require a response. '' As a consumer, I deem that to be obscene and profane language pursuant to 15 U.S. Code 1692d ( 2 ). Does JPMC assume they may take adverse action against. consumer and charge off my account? JPMC states in their CFPB response on XX/XX/XXXX, " we are not required to verify the validity of the debt under oath and, therefore, decline to do so. '' JPMC has adhered to my request for validation on XXXX XXXX, XXXX by mail by only sending ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed. What happened the mention of ( 3 ), ( 4 ) and ( 5 ) of that same statue? Validation is supposed to happen within five days after the initial communication with me a consumer, in connection with the collection of any alleged obligation, a debt collector, in this case JPMC shall, unless the following information is contained in the initial communication send the consumer a written notice with ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ; pursuant to 15 U.S. Code 1692g ( a ) ( b ) I submitted request for VERIFICATION pursuant to 15 U.S. Code 1692g ( b. The NAME and ADDRESS of the Original Creditor ( pursuant 15 U.S. Code 1602 ( i ) ) was my specific demand. Tracking via USPS is XXXX and its contents are attached. JPMC claims " We own the accounts ... '' but, do they really and can they prove that lawfully? JPMC states in their CFPB response on XX/XX/XXXX, " We also confirmed you paid for the services of a debt settlement company to settle the debt on your behalf. This charge was made on XX/XX/XXXX, for {$1000.00} to XXXX on your account ending XXXX. '' Firstly, that was an invasion of my privacy. Nonetheless, I have attached screenshots confirming I purchased books, three to be exact. They are educational tools open to the public on XXXX as well ; please see attached. I did not understand what a " debt settlement company '' is so I had to study a bit more ; I have attached my findings about this as well. JPMC is belittling my knowledge as a consumer and is looking to discourage me from exercising my rights as a federally protected consumer, again. As a consumer, I deem that to be obscene and profane language pursuant to 15 U.S. Code 1692d ( 2 ) because it is not backed by fact or Federal Law. Can JPMC provide proof of the process used to confirm that false statement? If JPMC can not, it has again tried to harass and abuse my knowledge gained, pursuant to 15 U.S. Code 1692d ( 1 ). Lastly, based on previous correspondence with JPMC it is as if I am speaking to a minor ; I deem it necessary to define person, credit and creditor in the same order Congress did in Title 15 Chapter 41. Pursuant to 15 U.S. Code 1602 ( e ) person - means a natural person ; pursuant to 15 U.S. Code 1602 ( f ) credit - means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; This leaves me to define creditor. Pursuant to 15 U.S. Code 1602 ( g ) the term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. See attachments for further proof of what Congress wrote and this all boils down to unauthorized use, meaning a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use AND from which the cardholder receives no benefit. There is no benefit to me the consumer and original creditor if I am alleged obligated to pay on this account. Especially since consideration has already been made. | ||||||
| 03/13/2021 | Yes |
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| I kept a personal Chase checking account with a {$40.00} balance in it tied to my social security number and the IRS. This account was used to make IRS payments, and receive IRS refunds, including COVID pandemic stimulus payments. I had this account for over 10 years, and moved money out of it in XXXX due to another incident I will recount towards the end of this email while still retaining a nominal balance for the aforementioned IRS payments and refunds and stimulus because the only way you can change your electronic deposit with the IRS is when you file your tax return and I would have changed my information in XX/XX/XXXX with my tax filing but this happened before I could do that to protect my payments and disbursements with the IRS. Chase contacted me on Monday, XX/XX/XXXX with the following text : " Chase Fraud : Did you write a check for {$520.00}? Please reply YES or NO. Msg & data rates may apply. '' I did not write a check for {$520.00}. I replied " NO ''. Chase then responded : " Chase Fraud : Thank you. We will not pay this check. You don't need to do anything else. Moments later, I got an automated call from Chase, asking me to hold the line. During the hold, I logged in to my banking to see a fraudulent check had been presented against my account, and that Chase had also charged me a {$34.00} NSF fee, reducing my balance to {$6.00}. When I was finally connected to a Chase loss prevention specialist, I told them that I did not write any checks against my account, and the check that was showing as being presented against my account was numbered in the high XXXX. My checks, printed and provided by Chase, go up to XXXX and I have not even reached close to that check number yet. How was it I asked, that when they should know my check numbers max out at XXXX, and they are presented checks exceeding the number, from out of state no less, that their internal security doesn't immediately fly and refuse the check on its face alone since the check number exceeds checks I have been issued? The Chase specialist had no explanation for this. I was adamant about pressing for an explanation, because this was the second instance, the first being in XXXX of XXXX, that a fraudulent check with a number higher than the check numbers I was issued, had been accepted and processed by Chase from out of state, against my account. The first Chase representative put me on hold and connected me to another representative, to whom I share the same story confirming I didn't write the check and that it as fraudulent, and the second operator told me they acknowledged that it was a fraudulent check, and that my {$34.00} would be refunded to my account. I had to spend about an hour on the phone total with hold and actual conversation time. This past Monday, XX/XX/XXXX, I logged into my Chase checking to see that the {$34.00} NSF fee had NOT been refunded yet, and that there was still only a balance of {$6.00} in the account. I also saw the reference to the fraudulent check presented against my account still in the register. I figured I would wait another days for it to sorted out, and I logged in yesterday, XX/XX/XXXX to see what the status was. Imagine my surprise when I discovered the Chase had CLOSED my account, without any advance notification. As this account was tied to my IRS payments, I panicked and called Chase asking why they closed my account, because with the new stimulus package passed the same day, when the IRS sends my payment, it would have nowhere to go and I would then have to wait for it by mail and given other horror stories from last year of other people without electronic deposit who STILL have not gotten their first stimulus checks, this unwarranted cancellation of my checking was going to throw my life into more problems that were dependent on the new stimulus to help manage. I was told by the first representative, and the second representative, that there was nothing they could do, and that a letter and cashier 's check for {$34.00} and {$6.00} had been sent to me XX/XX/XXXX. I still have not received the notification letter by mail, or the cashier 's checks, however I did log into my XXXX email tonight which my Chase account was connected to and found conflicting emails from them despite all the time I spent with them on the phone XX/XX/XXXX. The email that said they sent me an important letter about my account in " Statements and Documents '', with a link does not open in the my Chase console ( I have provided a screen grab along with all the emails and the original text message they sent me that I answered ). More devastatingly, without this account reopened as it is the account linked to my IRS payments, I am now in limbo for when I may receive the new IRS stimulus payment of {$1400.00}. I was told I could contact the IRS to change my banking information to my other bank where I have another account, to which I informed them that it's not possible to change your banking information with the IRS until you file your return, and that wasn't scheduled to happen until before XX/XX/XXXX. That's why I was keeping this account open with a nominal {$40.00} balance to process my stimulus payment until my XXXX return was filed and I could update the IRS with a new bank for future business. Chase claimed they could simply not reopen the account they closed, without explanation or notification to receive my IRS payment and I scrambled with my accountant yesterday to see if he could file my return early to update the IRS with my new banking information for electronic deposits but as stimulus payments are going out this weekend, the window for this is practically nonexistent as my accountant hasn't even gotten back to me to let me know if he could get my return done quickly so the IRS will deposit my emergency funds into my other bank. I've banked with Chase for 10+ years and this incident, along with the aforementioned incident in XXXX of XXXX where they accepted another fraudulent check with a check number exceeding the amount the bank issued me, are troubling signs that Chase does not have any logical security cross checks in place to automatically identify a fraudulent check that may have their routing and my account number on it from what I am assuming is a data breach with check numbers exceeding the number the bank has issued me. Last year, when I deposited a large sum into this same account from a personal injury settlement that my brother represented for me, that check cleared his bank on a Monday, should have reflected in my account on Tuesday, but Wednesday Chase was bouncing checks I wrote to pay off associated XXXX debts from the injury and said they had placed a hold on the funds for 2 weeks to clear, then they put me on the phone with a representative at Chase Fraud in an international call center who asked me probing questions about where I got the funds as if I was trying to launder money. I told him it was none fo his BUSINESS where the funds came from but that he should call my brother the attorney 's who would inform him it was from a legal settlement. He called and my brother told him in no uncertain terms that as my money had cleared his client trust account to my personal checking ( the same account they have now closed ) that they had better clear the funds immediately and stop bouncing the payments I had made to creditors for my medical bill because he would take action against them and the Chase rep then quickly released the hold. They do this to make interest off our money, its completely unethical and I called the rep out on it and he had the audacity to say " I can't convince you, we don't do this to make interest off your money '' and I retorted " then who IS making interest when you freeze the money for 2 weeks even though I've been banking with you for 10 years and there have been other large sums deposited in that time? '' Chase has proven to be completely derelict in its responsibilities in all three instances I am relaying here and will be creating more instability in my life during this pandemic than is warranted against any customer who has banked with them for so long. | ||||||
| 07/12/2018 | Yes |
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| I currently have a FHA mortgage with Chase Mortgage Mortgage with a balloon payment of {$22000.00} due XX/XX/XXXX.. home value {$140000.00} I would like to file a formal compliant with you regarding Chase Mortgage Mortgage their banking practices, their short sales and foreclosures in my area. These for homes or at lest mine seem to have a large amount of equity in them. Chase Mortgage manner and inconsistencies of their information to its consumers contradict there own web site, there agents and customer service agents about modification and home assistance help When I first tried to obtain a modified mortgage with Chase Mortgage I had a lot of problems, they kept denying me or sending me an offer for {$800.00} to {$900.00} a contract. My net income was around {$1600.00} a month from XXXX and XXXX XXXX XXXX. I pleaded with Chase Mortgage to lower it I was only paying {$480.00} ( est ) a month to begin with. I reminded them of the reason I was behind on payments due to medical bills and a long term hospital stay then rehab. I was assigned one counselor after another and the results were the same. Finally I made a call out of desperation to a supervisor who looked at my file and asked if we could make a 3 way call with the IRS. Once we called the IRS. We found out I was the victim of ID theft, someone had been trying for the pass 3 years to obtain large amount of tax returns in my name. Because it was such a large amount, IRS had flagged the account, all the while trying to call me and send me letters. Well they where being sent to the bogus address and the bogus phone numbers. Chase Mortgage assumed tax was fudged hence the large amount for a modification Once Chase Mortgage receive this information I was offered a modification of {$370.00} but it came with a balloon payment due in XX/XX/XXXX. ( EX. A ) I called Chase Mortgage to voice my concerns, Chase Mortgage assured me when the time came they would be able to help me with other programs they had or refinance the balance of the loan XX/XX/XXXX I contacted Chase Mortgage to try and get a program to help me with this balloon payment. Chase Mortgage asked me to fill in the modification paper work and send it back. This took some time since they kept saying they didnt receive this or that document I was assigned a counselling Mr. XXXX XXXX. I never had much dealings with him it was always with his co worker. One day before a holiday weekend in XX/XX/XXXX around XXXX Mr XXXX called me to say I had been denied and in a rough disgusted at me tone he was shouting we cant help you we, have no options for you, and dont send any payments in because we will send them back, By this time I was crying and pleading for help he shouted there is nothing we can do, I asked what about refinance, he yelled well you need to get yourself together and call them because they certainly are not going to help you sounding like that. I was able to call the refinance department the same day and based on my credit score XXXX XXXX ( EX. C ) said he could not help me. I was distraught. Over the next few days I received lots of mail from all different people and Mr. XXXX denial letter. ( EX. B ) I called the chase mortgage back after the holiday informing them about how I was treated and try to get some help. I was referred to the escalation department who opened a file into the dealings I had with Mr. XXXX. All the while still receiving a monthly bill from Chase Mortgage and every time I called they said we cant accept your payment. I asked the supervisor why did they Deny me they said the group of investor 's are not willing to modify and we as Chase Mortgage are just the service of the loan and the other 3 banks made the decision.They also advised me to fill out another modification application ( EX. D ). In the meantime I called around to see if I could could get help else where, I got involved with XXXX XXXX XXXX and Mr XXXX XXXX. I visited Mr XXXX office we filled in the paper work and sent all back to Chase Mortgage. In the meantime I called the three banks listed on my denial letter since Chase Mortgage had told me it would have to be their decision. I found out that Chase Mortgage now own two of the three of those banks listed as investor. The XXXX XXXX XXXX XXXX would be willing to modify according to the mortgage department. ( EX. B p4 hand notes ) I called Chase Mortgage bank and ask to inform them that they in-fact owned the low and could make a decision if need be. On XX/XX/XXXX I received a call around late afternoon form my Chase Mortgage counselling a XXXX XXXX., to advice me i had been refused once again. She went over the details of a thing called a XXXX and the investors I reminded her that Chase Mortgage was the investor and the XXXX XXXX was willing to see reason. XXXX advised me that a letter would be coming explaining everything ( EX. B ) All the while my personal problems were crumbling around me, my service dog of 13yrs was schedule to be XXXX XXXX on XX/XX/XXXX it was a stressful time. After the procedure I was not taking it well and was prescribed sedative I was in bed for several days and was just coming around on Friday XX/XX/XXXX ( EX. E ) I was jarred awake by someone pounding the fist on the front door. I was very disorientate and confused I rushed to the door to find and man with a huge camera shout out Chase Mortgage sent me you need to pay your mortgage, I asked him to wait so I could get dressed. I opened the door a little wider and he kept pointing to a form yelling I have to fill this out and can you make an payment today?, Chase Mortgage as asked me to fill in this worksheet and call them at this number right now, for the sake of my privacy I had to let him in. He said we need to call Chase Mortgage they can take your payment. I told him I was confused I just got a denial letter, he said yes but can you make a payment? I said yes if they take it. We called from my phone ( he left his in the car ) the lady on the phone ask him if he has filled in the finical work sheet she asked ifI could make a payment? I said yes. Then she must have pulled something up because she promptly said oh no we can not take a payment this loan has matured. I told her I am confuse why is chase mortgage sending people to my home forcefully I was put through to Mr XXXX at chase mortgage who advised me to call around to try for a refinance I called my counselor XXXX at XXXX XXXX XXXX and left him a message he was out of town for the holiday on his return Monday he sent me a list of local lenders who might help. Most of the lenders could or would not refinance for that small amount, in-fact on told me why dont you put that on a couple of credit cards. I finally got through to a a lady at XXXX XXXX we ran a credit report only to find out that Chase Mortgage has ruined my credit score by sending information of delinquent monthly payments.??? ask me to call Chase Mortgage to have them remove that or at least send a letter stating there is no monthly payment due at lest 3 payments of the regular amount XXXX. Called Chase Mortgage made a complaint, spoke XXXX for Chase Mortgage credit reporting he cant take it off or send out any letters unless he gets the okay from the bank put t Put through to XXXX sent me through to escalation department Spoke with XXXX @ XXXX XXXX XXXX XXXX they would escalate this and file a complaint and get back with me within 24hrs. ( they did not call back ) Called FHA they referred me to CFB, HUD and a host of others a I took a look at the area for foreclose and it appears to be a trend of people within the {$200000.00} and below house price range, that seem to be foreclosed on. I owe XXXX and the value of my home is {$140000.00} I have been advised by Chase Mortgage that foreclose is an option or a short sale. Either of those options are for the banks interest. A foreclosure would greatly benefit this bank and its investors (? ) a tidy investment for {$20000.00}. Please take a look at this banks practices and the trend of foreclosures homes in my area and statewide to see if this is indeed a trend to take peoples homes at a huge profit Regards | ||||||
| 10/11/2022 | Yes |
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| I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 614 P.2d 936 ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to XXXX and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account In question : XXXX XXXX account number : XXXX account type : XXXX account account type ( XXXX ) : XXXX account type- detail : XXXX account account type- detail ( XXXX ) : credit card XXXX code : individual account bureau code ( XXXX ) : individual account status : closed date opened : XX/XX/XXXX balance : XXXX high credit : XXXX credit limit : XXXX payment status : charged off as bad debt comments ( XXXX ) XXXX account closed by consumer comments ( XXXX ) : **consumer statement** y item disputed by consumer, account closed at consumers request also would like the time out now to make everyone receiving this correspondence that XXXX has already deleted the account in question. So if one bureau is unable to validate the account ... what sort of fraud is any one else going to bring forward in an attempt to validate this account? | ||||||
| 09/29/2021 | Yes |
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| We are reopening our complaint against Chase CFPB complaint # XXXX The response from Chase was a lie. They have their calls on a recorded line. What we have stated here is fact and can be verified by reviewing the phone calls Chase mad to us. They promised to reimburse us for their errors now have declined to reimburse us. Fact Chase approved us for the purchase of a 2nd home in XX/XX/XXXX with 100 % of the down payment as gift funds Fact Since Chase approved our loan structure - We incurred expenses travelling from XXXX to XXXX and found a home but cancelled the contract after inspections we done Fact We found another house and Chase re-approved us for the purchase of a 2nd home with 100 % of the funds from gift funds. Fact The loan officer - XXXX XXXX confirmed with us multiple times on the phone and written communications that 5 % of borrower funds were not required. Fact We incurred non-refundable expenses related to the purchase of the property based on the approval Chase provided us. Fact The {$15000.00} XXXX was non-refundable 21 days from the contract date. Fact XX/XX/XXXX - XXXX XXXX told us 21 days after the contract date that he made a mistake and indeed 5 % was required to be provided by XXXX. As he stated on a recorded phone call - XXXX had a strategy session with him manager to fix his mistake and his manager suggested we change occupancy from 2nd home to primary residence. XXXX specifically stated we had 2 options ( my 401k funds or provide a joint bank statement ) but XXXX suggestion of changing occupancy would be a 3rd option. XXXX stated the 401k needed to be liquidated and he didnt know we had a joint account. There was no reason to provide this because until that phone call we were approved to close with gift funds. Fact XXXX pitched us on the option to change occupancy and went over what was needed. XXXX provided the option and explained that I needed to get a letter from my job stating I can work XXXX which was provided at his request. Chase even called my manager to confirm that I can work XXXX and approved the loan for primary residency. Fact Since we started looking for a 2nd home- my employer closed the corporate office so I am now 100 % a remote employee and can work anywhere in the world. I am no long required to be in the XXXX area. Fact - Chases response to the original CFPB complain is a complete lie and further deception. Chase is trying to shift the blame to XXXX. Chase should provide the recorded phone call so everyone can hear how XXXX planned it out to cover up his mistake then presented us with an option that was approved by his manager. XXXX never spoke with any Chase managers about changing the occupancy. XXXX presented the option not XXXX. According to XXXX, his manager was involved so multiple Chase employees were advising us to change the occupancy. Fact As a Chase XXXX XXXX should have known what he was presenting to us was not allowed. His Manager should have known this was not allowed and should not have told XXXX to present it to us. This is outright malpractice on multiple levels. Chase should be held financially responsible for improper knowledge and training if their employees. Their advice cost us thousands of dollars and we lost the home we wanted to purchase. Fact - XX/XX/XXXX We already had scheduled the final walk through and once again incurred expenses to travel from XXXX to XXXX. Fact XX/XX/XXXX - Chase issued an approval as a primary residence. Fact On XX/XX/XXXX - {$17000.00} was wired from our joint account to title company even after multiple confirmations from XXXX stating 5 % borrower contributions were not required this satisfied the 5 % requirement for the purchase of a 2nd home. Fact Chase declined the loan days later. Fact Chase declined a loan that meets guidelines for both a 2nd home or as a primary residence because we wired money from our joint account to the closing agent. We provided the wire confirmation but Chase suspended the loan. Fact I have escalated my complaint through several departments at Chase. Members from the Chase Executive Team responded and confirmed with us that Chase is in the wrong. They mistakenly approved us to use 100 % gift funds on 2 applications, they mistakenly told us multiple times that 5 % was not needed from me, they stated they will do the right thing for us They were making transcripts of the calls XXXX had with us. Fact We followed up day after day and got no response or kept being told people were on vacation that needed to be present to make a decision on our loan. Fact Because of delays by Chase, closing was postponed. We already had travel arrangements from XXXX to XXXX. I was flying in straight from a convention and XXXX was driving. So we incurred yet more expenses due to Chase 's scam. Fact Instead of closing on XX/XX/XXXX, we were still waiting for answers. Instead of furniture and movers delivering our purchases to the new house- we had to set up a storage unit to accept deliveries and pick up of non-refundable furniture we purchased for the house. Fact We had to get multiple extensions from the sellers because Chase continued to drag out the process beyond the XXXX of XXXX only to come back and say they are declining the loan for the occupancy change which is what XXXX convinced us to do. Fact Chase made multiple mistakes on our loan and admitted to it multiple time by multiple people. We met all guidelines and still got declined for both 2nd home and primary residence. There is no valid reason for declining our loan. If we changed the occupancy to an investment property then no one would have even gave it a second thought. So change in occupancy is an orchestrated excuse to decline the loan to cover their mistakes. Fact We satisfied all guidelines so if Chase felt like we did not meet XXXX guidelines then there is no reason Chase could not have held the loan in their portfolio since they were the ones who made all the mistakes on the file. Fact The Sellers refused additional extensions to allow us to start all over with a new lender and held our deposit and the additional funds we sent to the title company for closing until they found a new buyer. We could not even look for another property because we had over $ XXXX in funds being held hostage due to Chases misrepresentation. Fact When the Sellers found another buyer they kept {$5000.00} of our deposit. We did not get our money returned until the first week of XXXX which prevented us from looking at different properties. Now there are no homes in the exact area we wanted to be in. Fact We incurred more expenses going back to Georgia to empty the storage unit to bring our purchases back home since we can not return any of it. Fact We continue to incur expenses for storage unit here at home. Fact The Chase Executive Team confirmed Chase is liable and would be reimbursing our expenses and requested we submit receipts. Fact The Chase Executive Team invited us to submit our expenses for reimbursement and provided an email address. Fact We submitted out expenses but Chase waited until after our 60 day response period expired before communicating that they will not reimburse us for the expenses we incurred based on their mistakes. So we are reopening this case. We are not going away because they apologized for their mistakes. Fact - If they can decline loans that meet all guidelines then the guidelines, lending laws, and consumer protection agencies are completely worthless. Fact - We did what we were told to do and Chase keeps dodging responsibility for it. Fact We have notified Chase to retain all forms of communication ( emails, online messages, phone calls and transcripts ) they have between us and them. The facts laid our here are 100 % accurate and can easily be verified by reviewing the communications between us, XXXX and the Executive Team. Telling us to change the occupancy then declining us for changing the occupancy is beyond deceptive it is blatant fraud! Promising to reimburse us then declining to reimburse us is further proof of their continued dishonesty and deceptive business practices. | ||||||
| 03/12/2020 | Yes |
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| On Saturday, XX/XX/2020 at XXXX XXXX CST I received an e-mail from Chase ( XXXX ). The e-mail promoted their mobile bank app ( " Stay connected to your accounts with the Chase Mobile app and chase.com '' ) for my Chase account. I did not have a Chase account and have never had a Chase or JPMorgan account. I opened this e-mail around XXXX XXXX CST ( XX/XX/2020 ). At first, I thought this may have been a phishing attempt, but all links in the e-mail directed to the official Chase website when I hovered over them to see. Still not trusting the e-mail, I XXXX Chase and searched for a customer service number I could call. I called XXXX and spoke with a customer service rep for 11 minutes. I explained the situation with her, provided my name, my social security number, and my current mailing address so she could verify whether or not I had an account. She confirmed that I did not have a checking/savings, credit, or loan account with Chase, but she said she did see an investing account. I told her I should not have one as I have never opened an investing account with Chase. She tried to connect me to their investing department and their fraud department, but both offices were closed at the time. She advised me to call back on Sunday, at XXXX XXXX EST at the earliest. I called Sunday ( XX/XX/2020 ) afternoon at XXXX XXXX CST and explained the situation to a new customer service rep and provided my information when asked. He confirmed that he could see an investing account tied to my information. He said he spoke with someone about two hours before with a similar situation. I believe he said it was a 108 investing account and asked if that rang any bells, I told him it did not and that I should have no account with Chase. He told me that the investing deparmtent was actually closed all day Sunday, but gave me another number to call back on Monday. I ended up calling the number the second rep gave me ( XXXX ) today at XXXX XXXX CST. I again explained the situation to the customer rep who answered and again provided the same information when asked. She asked me to wait a moment to make sure I was connected to the appropriate department. She then asked me to confirm that I had received an e-mail and when I did, told me to forward the e-mail to XXXX. After I did, she started to say goodbye but I stayed on the line because I had expected to be transferred per the first portion of our conversation. She told me that there was nothing further to be done and when I asked if there was no one I could talk to regarding the investing account and what it was, she said she did not see an investing account tied to my information. I asked her how that could be when I spoke to two different people who saw it, if there was anyone I could speak to and if she could give me an estimate of when the abuse team would respond to my forwarded e-mail. She told me she had no idea how long it would take, she could not even provide me with an estimate, she told me there was no one she could transfer me to with my concerns and told me to wait for a response to my forwarded e-mail. I told her she did not help and that I would call another number. I again called XXXX and explained the situation to a fourth representative and provided my information again when prompted. She confirmed that she saw an investing account tied to my information but that she due to the type of account it was, she could not open it herself. She assured my she would connect me with someone from investing that could assist me. She transferred me and I explained my situation and provided my information when prompted for a fifth time to the investment rep. This specific rep confirmed that I had an investment account open with Chase. He told me that neither he nor his managers knew what these investment accounts were, where they had come from, or how they were opened or what they were for. He asked me if ever used a crowdsource/crowdfund website and told me their current guess was that it came from one of those. He said that these specific investment accounts had popped up en masse and that they only started seeing them or hearing people call in regarding them on Saturday ( again, the day I received that initial e-mail ). I asked what they were doing about this, why I wasn't notified, how an account could be opened tied to my name, address, and social security number without my consent or notification sent to me, despite obviously having my personal e-mail. He said he did not know and that they were investigating the situation currently. I asked if I would be notified when this resolved and he said yes, per compliance I should be and that some next steps would likely be provided as well. I told him I would likely call to keep track as well and he provided me a number ( XXXX ) to reach the same department and told me if the next rep I speak to is confused that they should open my profile and they will see what he saw. I reached out to XXXX 's customer support chat as I have used their site previously to raise funds. Due to tax purposes, they will only release raised funds if a SSN is provided. I inquired what happens to my SSN after withdrawing funds from their site. The rep said, " Our payment processor protects that information, but if you'd like to have everything deleted once your campaign is over, I can submit that request. '' I told him I would like to have it deleted and explained what had occurred, per Chase. He told me that the request for that information to be deleted was submitted and I should receive e-mail notification. It seemed like this was the first he had heard of XXXX being tied to Chase investment accounts and told me he would also forward my information to their Trust and Safety Team, who would likely follow up with an e-mail. This occurred about an hour ago. This has been an emotionally exhausting and physically draining experience. I have been anxious since the first representative confirmed there was an investment account but could provide me with no further assistance. The answer I was provided gives me no confidence in Chase 's ability to safely monitor their own accounts, let alone my information that should not even be there. In fact, after anger, the phone call made me feel nauseous, as they only confirmed there is nothing I can do and they currently know nothing. I do not understand how unknown accounts can be pushed in from unknown/outside sources with information that should not be shareable. I do not know of any significant ties between Chase bank and XXXX, I was never notified of any ties or that Chase could use my information from an outside source towards a Chase investment account. This is especially upsetting as I have no ties otherwise to Chase. I am upset that an account was opened without my consent, that I received neither e-mail nor physical mail notification of this account creation, but did receive an e-mail promoting their mobile banking app. Clearly, they have my personal e-mail address but did not think to notify me when it was discovered these unknown investment accounts that seemingly populated overnight and no one knows about were generated, to give me a heads up or that any measures were being taken. I had to call several times, starting Saturday, XX/XX/XXXX and finally receiving information, little as it was, today on XX/XX/XXXX. A friend, who also holds no Chase accounts, receive the mobile app e-mail on Sunday, XX/XX/XXXX. Searching for " to : chasesupport '' on XXXX shows various people without Chase accounts are receiving the same e-mail and raising concerns with @ chasesupport. I know this portion is hearsay, but I could not call back to Chase because of my work schedule. Today was the first day I was able to call back and received this alarming information. I have been worried that no one over the weekend could even tell me what the investing account was ( retirement? IRA? ) when it was opened, no details. I tried to find answers on my own via XXXX and searches via social media until I could call back to see if anyone else with the same issues had figured out what was going on. | ||||||
| 09/27/2019 | Yes |
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| Companies Involved - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Chase Auto Finance XX/XX/XXXX Paid Deposit and Submitted Credit App Salesperson XXXX XXXX told me vehicle would be ready by XXXX XXXX Later told vehicle would not be ready. XX/XX/XXXX Salesperson and I agreed to pick up vehicle at lunch. Then was told vehicle would be ready at XXXX Arrived at XXXX, vehicle not ready. Informed salesperson I had to be able to leave by XXXX at the latest to pick up my daughter from daycare without being late. XXXX was brought to the drive at XXXX. I could not closely inspect vehicle because I was going to be late to pick up my daughter from daycare. I put my belongings in and left. Arrived home and noticed vehicle was covered in scratches. XX/XX/XXXX Contacted salesperson to discuss vehicle condition. Salesperson said the dealership would address the cosmetic issues. Agreed to bring vehicle in XX/XX/XXXX when a loaner would be available. Contacted XXXX at the salespersons advice. No response and emails bounced back. XX/XX/XXXX Contacted by another representative. XXXX no longer works for company. XX/XX/XXXX Dropped off vehicle with advisor XXXX. He took pictures of vehicle on an XXXX/Tablet. XX/XX/XXXX Tried to contact XXXX for an update. No response. Asked XXXX for an update. Said she would get an update, but no response. XX/XX/XXXX Asked XXXX for a response. Was told that the vehicle needed a new grille and it was backordered. XX/XX/XXXX Was told work would be completed the following week. XX/XX/XXXX Asked for update on vehicle. XX/XX/XXXX Was told to pick up the vehicle on the XXXX. Arrived to pick up vehicle. Only the deepest scratch on the bumper was repaired. Vehicle was still covered in scratches on all parts of the vehicle. I asked the gentleman at the body shop if this looked like a luxury vehicle that was just purchased and sold as a new car and if he would be satisfied. He responded, No. Left the vehicle at the body shop again. Contacted XXXX about my concerns. She said it would be handled. XX/XX/XXXX Was told by the gentleman at the body shop that the repairs had to be approved by the Used Car Manager. XX/XX/XXXX Picked up vehicle. Most scratches repaired. New rear bumper face. New panels near door/windows. Still some cosmetic scratches, but decided to just let it go. Note - I have invoices for this period, but the invoices are in the vehicle glove box which is in the shop. Requested invoices via phone and email but have not been provided at this time. Total Days for Current Repair = 36 Days XX/XX/XXXX Noticed fluid on garage floor was coming from my vehicle. Could smell burning smell when driving. Vehicle shifts gears rough at times. Contacted XXXX XXXX. Was told to bring car in, but no loaner vehicles available until XX/XX/XXXX. Contacted XXXX XXXX. Was told I could bring my car in, but no loaner vehicles available until XX/XX/XXXX. Contacted XXXX XXXX and stated that I could not be without a vehicle. Asked if they wanted me to drive the vehicle until XX/XX/XXXX. They said no, and to tow the vehicle in, but no loaner vehicles would be available. Told the service department I was coming into the dealership to discuss the problem. Arrived at the dealership. They said 5 loaner vehicles had just arrived and they would provide me with a loaner. XX/XX/XXXX Emailed Service Advisor XXXX for update. No response. XX/XX/XXXX Asked again about vehicle. Got this response, We have a technician asigned to your vehicle. My goald is to compleat the diagnost today and give you another update. XX/XX/XXXX Picked up vehicle. Invoice Attached. Vehicle shifts more smoothly. Total Days for Current Repair = 36 Days Total Cumulative Days in Garage = 72 Days XX/XX/XXXX - XX/XX/XXXX Notice fluid leak continues. Vehicle shifts roughly when driving. Vehicle attempts to stall and jerks are extremely noticeable when going down an incline. XX/XX/XXXX Return vehicle to dealership for repairs. XX/XX/XXXX Picked up vehicle. Invoice attached. States that leak was repaired and that they could not duplicate shifting concerns. Total Days for Current Repair = 29 Days Total Cumulative Days in Garage = 101 Days XX/XX/XXXX - XX/XX/XXXX Notice fluid leak continues. Vehicle shifts roughly when driving. Vehicle continues to have shifting problems at speeds between 10-20 and 40-60 mph. Texted Service Manager, XXXX, about vehicle conditions returning. No response. XX/XX/XXXX Returned vehicle to dealership. Advised to contact XXXX XXXX XXXX to request buy back. Called XXXX XXXX XXXX and made formal request. Was told I would be contacted by someone within 24 hours. XX/XX/XXXX Contacted by XXXX XXXX XXXX representative XXXX XXXX. Was told it would take 2-30 days, but could vary depending on vehicle and whether it was in the shop currently or not. Was told I would get correspondence weekly with an update. XX/XX/XXXX - XX/XX/XXXX Weekly updates are no more than Your case is under review and no decisions have been made. Service Department reports that they are able to duplicate the shifting concerns. The technicians from the engineering corporate office offer solutions, but they do not work. Asked to speak to someone else at the corporate office, because I am not getting my questions answered and I get the same robotic response at all times that The case is under review and no decisions have been made. Was told that the Regional Manager who is reviewing my case does not speak to clients and only make or receive internal calls. Asked to speak to anyone else on XX/XX/XXXX, and was told by XXXX XXXX that it would take 7 days to get a response from her supervisor XXXX. I put in an email that I was surprised that it would take 7 days to get a response, and I got a call within the next 20-30 minutes that she would call me within 24-48 hours. XX/XX/XXXX Called Chase Auto Finance to seek their support. Was told I would get a call back because their phone system was not working. No call was received. XX/XX/XXXX Was told they are going to try one more thing on Friday XX/XX/XXXX. Was told by XXXX XXXX Service Director at XXXX XXXX ) and XXXX ( Service Manager at XXXX XXXX ) that that idea did not repair the vehicle. Now, corporate office wants them to try one more thing on Monday XX/XX/XXXX. Requested from Service Manager, XXXX, ALL service records and notes for my vehicle when speaking on the phone. No response at this time. Called Chase Auto Finance to seek their support. Was told I would get a call back because their phone system was not still working. No call was received. XX/XX/XXXX. Requested from Service Advisor, XXXX, ALL service records and notes for my vehicle via email. No response at this time. XX/XX/XXXX Requested from Service Advisor, XXXX, ALL service records and notes for my vehicle via email. No response at this time. Called Chase Auto Finance to file a formal complaint again XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Spoke with XXXX XXXX. XX/XX/XXXX XXXX XXXX ( Senior Executive Liaison for XXXX XXXX XXXX XXXX ) said in a phone call that the situation would be resolved by Friday, XX/XX/XXXX. XX/XX/XXXX Sent email requesting a response by XXXX XXXX CST. Received an email from XXXX XXXX stating the request for buy back was declined. Spoke with XXXX ( Service Manager at XXXX XXXX XXXX ) and he stated that the sales team should have contacted me. They are proposing to find a similar vehicle to mine with similar mileage for me to take over the lease for. I told XXXX that that was not a fair resolution nor what I wanted. My vehicle is still not repaired. He stated that XXXX XXXX XXXX XXXX has been asking them to try additional repairs. Sent email to XXXX asking if she was no longer honoring her request to have this resolved by Friday, XX/XX/XXXX. Called three times to her direct line ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but no returned phone call. Total Days for Current Repair as of XX/XX/XXXX = 37 Days Total Cumulative Days in Garage as of XX/XX/XXXX = 138 Days Total Cumulative Days in Garage as of XX/XX/XXXX Related to Mechanical Issue = 102 Days | ||||||
| 09/24/2017 | Yes |
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Web | Older American |
| Chase Bank XX/XX/XXXX Chase Bank Representatives, You have failed to remove a block on my HELOC account ending in XXXX. IN XX/XX/XXXX I phoned a representative of Chase Bank to ask how I could pay my Home Equity Line of Credit. I was two days late with the payment. You can pay now by phone ; you have 12 days to pay beyond the due date before your payment is considered delinquent., said the representative. I did pay that day. Some days later I received a form letter suggesting that I might need help keeping my bill paying current as ( according to the letter ) my XX/XX/XXXX payment was delinquent. I wrote a note on the letter, put the letter with my note back in the Chase envelope provided, and mailed that off to the return address. *I have since learned* that though I am a person, the correspondence advising me that my payment was delinquent was not generated by a person but rather by a computer. The computer further understood that I must need help paying my bills because I returned the computer generated mail. In XX/XX/XXXX During another phone call I asked a representative : I see on the web site that my funds are held in suspension. What does that mean? The representative assured me that the accounts would be returned to normal within a short time as he/she could not understand why the funds were in suspension. I had not been delinquent in my payments or in any other way had I indicated that I could not pay in a timely way. In XX/XX/XXXX Continuing with my calls to Chase Bank, now we are in XX/XX/XXXX and I have just ended a 1 hour 45minute engagement with a Chase Bank representative. I have spoken first with XXXX. My question was : why is my credit limit on our Equity Line of Credit now at XXXX XXXX said his department, though listed as a help line on the web site phone numbers was not the department to answer my question. He transferred me to XXXX in another department. XX/XX/XXXX Records indicated that I had applied for a loan modification in XX/XX/XXXX.. We did not apply for a modification, rather we applied in XX/XX/XXXX for an extension of our credit limit on the HELC. In XX/XX/XXXX we applied for an increase in our credit limit on the Home Equity Line of Credit mortgage Chase holds against our XXXX XXXX XXXX XXXX CA XXXX house. In XX/XX/XXXX we did not apply for a loan modification or any other action that would affect our credit worthiness. Our request for an increase in our HELOC was granted. Our loan terms were not modified. XXXX suggested that I write a letter explaining the error in reporting. She indicated that our account would likely be subject to a refinance. After some time a supervisor in the ESCALATION department addressed me. I asked what escalation means as it refers to Chase Bank. He said, Yes, it is for complaints. I told the rep. the story. After some time on hold, the rep. was able to assure me that the block on our borrowing more money would be removed within 24 to 48 hours. The phone number to access a supervisor in the Escalation department is XXXX XX/XX/XXXX 48 business hours after XXXX., supervisor in the Escalations Department, advised me that my inquiries would be forwarded to XXXX. XXXX XXXX Arizona who is a Manager in the Escalations Department, I have not heard anything. Neither has anyone else contacted me. My account on line remains as it was on XX/XX/XXXX. There has been no correction or credit to my Chase accounts. I have since been told When I sent the notification letter generated in XX/XX/XXXX back the beginnings of a loan modification were triggered. From then on my accounts were frozen and from XX/XX/XXXX when we got back from our vacation, we have been trying to understand why our loan was in modification, why our accounts are frozen, why our payments have been in suspension. Tuesday XX/XX/XXXX Speaking with XXXX. XXXX XXXX I have been reassured that everything will be brought back to normal and a letter of apology will be sent to us. Wednesday, XX/XX/XXXX no evidence of action. Im checking the email. I found the following : this is an Alert to help manage your home equity line of credit account ending in XXXX. We [ Chase Bank ] received your recent payment of ( $ USD ) {$500.00}. Sincerely, Chase Home Lending I have no idea what this means. Ill just follow up again tomorrow by phone. I hope that that is the right thing to do. Friday, XX/XX/XXXX. XXXX XXXX sent in a request for a change in status for our HELOC account ending in XXXX. Now a new department will be involved. It is called CUSTOMER CARE. XXXX XXXX. requested of the Customer Care department that the Stop Hold on our account be removed. We can expect to see changes reflected in our on-line account page. We will have access to our money by Tuesday, XX/XX/XXXX. Saturday XX/XX/XXXX. XXXX XXXX. is available. He had been on vacation. We are a very small department, XXXX XXXX. explained. In fact, when I called on Friday XX/XX/XXXX, it was XXXX XXXX. who did find our case. She is not in the same office as XXXX. I learned today from XXXX XXXX. that I should have waited for XXXX XXXX co-worker to pick up my file or for XXXX XXXX. to return from vacation. But because I didnt wait for one of XXXX XXXX colleagues to call but rather called in myself, reaching the escalations worker who picked up the phone ( XXXX XXXX ), I interrupted the expected flow of events and reports according to XXXX XXXX. That interrupted the time frame somehow. Expect a change in our accounts on-line status by Tuesday XX/XX/XXXX. My husband at some point, just for the record because by this time we recognized that the cogs of business turn without concern for individual needs told someone on the Chase end of the phone, We are remodelling and will need access to our equity line account by Thursday or Friday XX/XX/XXXX at the latest. XX/XX/XXXX Today I connected directly with escalation manager, XXXX. I had been told by escalation manger XXXX XXXX that within 24 to 48 hours the block would be removed from our account. I have learned today from Escalation Manager, XXXX., that XXXX XXXX. had already closed the escalations case concerning our account when he spoke with me on XX/XX/XXXX. Just to check up I reviewed our Chase Bank Home Equity Line of Credit status with XXXX XXXX of the Escalation Department. He affirmed that a letter was ordered to be mailed to XXXX XXXX XXXX XXXX CA XXXX on Friday XX/XX/XXXX. XXXX XXXX said I would be dealing with another department now that is called The Internal Partners at on-line banking for the Home Equity Line of Credit. I do not understand why this is true. Is it because of the mistake of closing the account before it was cleared? What does it mean to clear an account? Why did representatives continue to talk with me after XX/XX/XXXX about the open case which was not open? Today I asked for an email copy of the letter that was mailed to us on XX/XX/XXXX because I have yet to receive the hard copy printed letter. XXXX XXXX emailed a copy of the letter. The encrypted code to access this email is XXXX. I was not able to open the letter. XXXX XXXX did say that promises made by XXXXXXXX XXXX. to send us an apology letter will not be kept because no Chase employee has made a mistake. The error is not a human error. The delinquent payment triggered a soft block on our account. I explained to XXXX XXXX that I have never been delinquent. According to XXXX XXXX, when I received a computer generated letter in XX/XX/XXXX, I triggered a computer response that possibly triggered the request for a loan modification and a trigger to put my account money in suspension. I was blocked from paying on my account at the next payment period, XX/XX/XXXX. I phoned a Chase representative who helped me by phone to make a Home Equity line of credit payment. PS. The letter of XX/XX/XXXX was received in todays mail. It contained information about our request for modification. Said our case is closed. Offered help if we got in financial trouble. PPS. Our accounts are still frozen. We have no access. We have XXXX available balance. | ||||||
| 12/20/2017 | Yes |
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| I took out a credit card with a limit of {$30000.00} with three authorized users for one of my companies. My accounting department handled the account. One of the authorized users ( Not myself ) ran the credit card to an amount {$60000.00}, which is double the allowed limit. Chase did not stop the card from being used until I was finally made aware that balance was double the limit, in which I turned off the card. Chase has no answer to why the card was allowed to go over the limit. Chase states that it is allowed to let the spending to go past the credit limit, even without authorization from account guarantor. We were passed along many different departments and time was passing, which was accruing interest and lowering my credit score. We asked for the account to be placed on hold until we were able to resolve the issue, which we were told was not an unreasonable request, but we were never informed if J.P Morgan Chase would extend the curtesy. The case was pushed to the executive office and given to XXXX XXXX. More than a dozen attempts were made to reach out to XXXX XXXX, who never once returned a call. I was sent to her supervisor XXXX XXXX, who did return a call after many attempts, who said he would call back the following business day. He did not return the call, and we reached out to his direct line 10 or more times, with no call back. Here is the time line of the events. The card at issue was opened with a {$30000.00} credit limit. This limit was put in place to prevent other cardholders on the account from running up charges. From the inception of the account up to XXXX XXXX, the balance stayed below {$10000.00} and was paid in full each month. XXXX XXXX : the balance jumped to {$28000.00}. XXXX XXXX : the account broke the credit limit and increased to {$37000.00}. Chase takes no action and continues to allow charges. XXXX XXXX : the balance increased to {$46000.00}, more than 150 % of the credit limit. Chase takes no action and continues to allow charges. XXXX XXXX : the balance increased to {$57000.00}, nearly double the credit limit on the account. Chase takes no action and continues to allow charges. Cardholder discovers the problem and cancels the card. Cardholder continues making minimum payments on the account and attempts to resolve the matter with Chase. XXXX XXXX : Cardholder stops making minimum payments in order to resolve with Chase. XXXX XXXX : Cardholder speaks with Chase regarding payoff amount, but no agreement reached. XXXX XXXX, XXXX : Cardholder and undersigned attorney contact Chase to discuss the problem and resolution. Cardholder and Attorney speak with XXXX ( ID # : XXXX ). Cardholder and Attorney are later transferred to XXXX ( ID # : XXXX ). XXXX directs Cardholder and Attorney to send in a written letter by fax to XXXX. On receiving fax, Chase would contact Cardholder and Attorney. XXXX XXXX, XXXX : Cardholder and Attorney send the fax as requested by Chase. Chase does not respond to fax, and makes no attempt to contact either Cardholder or Attorney. XXXX XXXX, XXXX : After several weeks without response from Chase, Cardholder and Attorney contact Chase. XXXX ( ID # : XXXX ), from XXXX/XXXX/XXXX call, states Attorney and Cardholder need card member agreement to proceed. XXXX calls XXXX XXXX in customer support to request the agreement. XXXX XXXX in the XXXX office advises that Chase needs to send the cardholder agreement before the matter can be discussed further. Attorney and Cardholder ask XXXX XXXX to just read portion he is referring to, which ends up being less than three sentences and does not resolve issue. XXXX XXXX then leaves the call. XXXX tells Attorney and Cardholder that nothing can be done and account must go to collections. Eventually, Attorney and Cardholder are transferred to XXXX ( ID # : XXXX ), who is XXXX ( see XXXX/XXXX/XXXX call ) supervisor. Attorney and Cardholder are told they need to contact XXXX XXXX ( ID # : XXXX ), who is XXXX supervisor. An appointment is scheduled to discuss with XXXX for XXXX XXXX at XXXX. Cardholder and Attorney spend three hours on the phone with Chase getting run-around and transferred around. XXXX XXXX, XXXX : Attorney and Cardholder call XXXX for the appointment scheduled by XXXX, but are advised XXXX is unavailable. XXXX XXXX, XXXX : Attorney and Cardholder call back and try to speak with XXXX XXXX, manager with escalations and collection. XXXX is unavailable. Attorney and Cardholder are advised that Chase does not schedule appointments, Chase acknowledges that Attorney and Cardholder were misled by XXXX. Advised that Attorney and Cardholder need to speak to a new manager, not an account supervisor, but a customer service manager. XXXX XXXX, XXXX : Attorney and Cardholder with XXXX XXXX ( ID # : XXXX ), manager with escalations and collection. XXXX advises that the issue needs to be escalated to the executive office, and are told it will take 2-3 business days. XXXX XXXX, XXXX : After nearly two weeks with no response from the executive office, Cardholder and Attorney call back and speak with XXXX ( ID # : XXXX ). XXXX transfers to XXXX at the executive office. XXXX advises that the case had been received and assigned to XXXX XXXX at the executive office, and gives the number for XXXX XXXX ( XXXX, ext. XXXX ). Attorney and Cardholder leave voice message for XXXX XXXX. XXXX XXXX voicemail indicates that she will return calls no later than the following business day. XXXX XXXX, XXXX : Attorney and Cardholder call XXXX XXXX, who does not answer, and leave voice message. XXXX XXXX, XXXX : Attorney and Cardholder call XXXX XXXX, who does not answer, and leave voice message. XXXX XXXX, XXXX : Cardholder is alerted by XXXX XXXX that Cardholders credit score has moved from XXXX to XXXX. XXXX XXXX, XXXX : Attorney and Cardholder call XXXX XXXX, who does not answer, and leave voice message. At this time, XXXX XXXX has not made one attempt to contact Attorney or Cardholder and has not returned any calls. XXXX XXXX, XXXX : Cardholder calls to discuss other accounts, but supervisor XXXX ( ID # : XXXX ) refuses to speak to Cardholder regarding any accounts without Attorney, even though Attorney is only representing on subject account and this was previously discussed with Chase. Cardholder spends 90 minutes on phone trying to resolve access to his other accounts. Attorney and Cardholder speak with XXXX at the executive office and advise XXXX of their inability to reach XXXX XXXX. XXXX refers Attorney and Cardholder to XXXX XXXX, XXXX XXXX supervisor. XXXX XXXX is not available when XXXX tries to transfer, but XXXX assures he will inform XXXX XXXX and have him contact Attorney and Cardholder. XXXX gives XXXX XXXX XXXX line as XXXX XXXX XXXX, XXXX : Attorney and Cardholder contact XXXX XXXX and leave voice message. XXXX XXXX, XXXX : XXXX XXXX contacts Attorney by phone, who conferences in Cardholder. Attorney and Cardholder describe their efforts to date, and XXXX XXXX promises that Chase will have a further response within a week. Cardholder and Attorney request that Chase freeze the account while the issue is being resolved, and XXXX XXXX promises a response to that request by XX/XX/XXXX XXXX XXXX provides an email address to reach him for follow up. XXXX XXXX, XXXX : Despite his promise on XXXX XXXX, XXXX XXXX provides no response. Attorney receives a bounce-back email from XXXX XXXX who provided an incorrect address to Attorney and Carholder. XXXX XXXX, XXXX, XXXX, XXXX, XXXX : Attorney calls XXXX XXXX and leaves a voice mail every day. No calls are returned. On XXXX XXXX, Attorney sends XXXX XXXX a fax indicating that his provided email address is incorrect, and enclosing correspondence. No response is provided. XXXX XXXX, XXXX, XXXX : Attorney calls XXXX XXXX, who does not answer and does not return phone calls. XXXX XXXX : Attorney and Cardholder calls XXXX XXXX, who does not answer and does not return call, and request that he returns the call before XXXX Monday, XXXX XXXX. No call was returned. | ||||||
| 10/11/2018 | Yes |
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Web | |
| To Whom It May Concern : I am filing this complaint against JPMorgan Chase Bank because Chase lost an account transfer in the amount of {$5000.00} and they have not been able to locate the funds, nor have they provided me with adequate support in resolving this issue. Twelve separate representatives from Chase gave me assurances that the {$5000.00} would return to my account, but it has not yet been credited to my account. I have made 10 attempts to resolve this matter with Chase, and I have spoken to over 20 Chase representatives, but Chase has not been able to locate the missing {$5000.00} or even attempted to investigate where the funds went. Below is a timeline of events that led to the missing funds and my subsequent attempts to resolve the matter with Chase ( see attached phone records verifying dates of phone calls ) : XX/XX/2018 : On this date, in the afternoon, I intended to transfer {$5000.00} from my Chase Savings account to my Chase Checking account to pay for an engagement ring. However, I did not realize that a Chase representative linked my former checking account at XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an external account when I initially opened my checking and savings accounts at Chase. Chase did not seek my authorization to link this account, and I did not know it was linked to my Chase accounts because it only appears when transferring money between accounts ( which I very rarely do ). To make matters even more confusing, the external XXXX account is simply labeled Checking account on the Chase online banking website with no indication that it is an external account. The linking of this account was a serious error on the part of Chase because I closed this account before becoming a Chase member, and the failure to notify me of the linked account caused me to believe that this external account ( labeled as Checking account on the Chase online banking website ) was my Chase Checking account. XX/XX/2018 : At around XXXX, I realized that {$5000.00} had disappeared from my account. Upon closer inspection, I realized that the funds were going to a linked external account that I never authorized. At this point I promptly called Chase to inform them of the mistaken transfer. The representative told me that Chase had not delivered the funds yet, and she repeatedly assured me that Chase would reverse the transfer and deposit the funds back into my Chase Savings account. A little over an hour later I still did not see any notification of the reversal on my online banking account, so I called Chase again to verify that they would not deliver the funds. The representative I spoke to told me that he saw the reversal in the system and he guaranteed that the funds would return to my Savings account. XX/XX/2018 : I received a message on my Chase online banking account that stated We're trying to reverse your transfer to XXXX for {$5000.00} that we delivered XX/XX/2018 ( A copy of the letter is attached to the complaint ). There are two issues with this notice : ( 1 ) Chase delivered the funds after reassuring me that they would not, and ( 2 ) Chase only took action on the reversal a full day after I notified them of the mistaken transfer. However, I still believed the {$5000.00} would return to my account because I relied on the assurances offered by the representatives I spoke to on XX/XX/XXXX, who both said the funds would reappear after 4-5 business days. XX/XX/2018 : I began to get concerned because the {$5000.00} was not showing back up in my account. I contacted Chase for a third time. The first representative hung up on me after I explained my issue. I called back and spoke to another representative who told me that the reversal of funds failed, but she reassured me that the funds would reappear in my account after 3 business days from the date of the failed reversal ( which was XX/XX/XXXX ). XX/XX/2018 : The funds had still not returned to my account. I called XXXX to check if the funds had been deposited in my former checking account. The representative informed me that my former XXXX account is closed and that the {$5000.00} would be sent back to my Chase Savings account. XX/XX/2018 : Three business days after the failed reversal attempt by Chase, the {$5000.00} had still not returned to my account ( contrary to the assurances of the Chase representative on XX/XX/XXXX ). I called Chase for a fifth time to find out what happened to my {$5000.00}. I was referred to a XXXXpecialist who told me that the funds were sent to a nonexistent account at XXXX and that they should be back in my account within the next two business days. At this point I was out of the country for 10 days with limited phone service, but I felt certain the funds would return to my account after the repeated assurances I received from representatives at Chase and XXXX. XX/XX/2018 : Upon returning from my vacation, the funds had still not returned to my account. I called Chase again and spent several hours on the phone. o Call 1 : A Chase representative told me that XXXX had not accepted the funds. She contacted a Chase technical team to see if they could pull the funds back into my account. However, the technical team was unable to retrieve the funds. The Chase representative gave me a tracing number for the transfer and told me to contact XXXX to see if they were holding the funds. o Call 2 : An XXXX representative contacted their EFT team, who confirmed they sent the {$5000.00} back to Chase on XXXX XXXX because my former XXXX account is closed and no longer exists. She then gave me a different tracing number and told me to contact Chase to see if they could locate the returned funds. o Call 3 : A Chase representative hung up on me after I finished explaining the situation. o Call 4 : Called Chase back and spoke to 7 different representatives in multiple departments. Several were unwilling to help and refused to even take the tracing number I just received. They bluntly told me to work it out with XXXX and offered no assistance at all. A member from the Claims Department refused to even hear my story. He simply saw that I initiated the transfer and stated that he was unable to help me without hearing about the details surrounding the transfer. After repeatedly insisting that I speak to someone else, I was transferred to a member of the technical team who then transferred me to the Online Claims Department. The member from the Online Claims Department informed me that they would investigate my claim and offer a temporary refund within 10 business days if their investigation had not concluded. On XX/XX/2018, I received a letter in the mail ( attached to this complaint ) notifying me that the Claims Department completed their review and determined the transaction was valid. However, the letter did not provide any answers to my issue as I wasnt disputing the validity of the transaction, but rather asking the bank to investigate where my {$5000.00} went. Nor did it reveal whether Chase investigated the tracing number that I received from XXXX. XX/XX/2018 : I began to get concerned that I had not heard anything from the Online Claims Department, so I reached out to Chase Support via XXXX in the hopes of reaching someone with more authority to resolve the issue. However, they simply referred me to the Claims Department. This brings us to the present day, where my 10 separate attempts to reach out to Chase via phone and social media have not led to a resolution. My only remaining options are to file this complaint and/or retain an attorney. Chase and could have quickly resolved this matter with a single phone call to XXXX. Instead, both banks have insisted that they dont have my money, and that I need to work it out with the other bank. However, since I do not work for either bank and do not have access to either banks resources to trace the transaction, my repeated phone calls and pleas for help go unanswered. Thank you for your time, and I look forward to a response that will hopefully lead to a quick resolution. | ||||||
| 04/13/2020 | Yes |
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| On or about XX/XX/2019 I purchased an XXXX XXXX/XXXX XXXX automotive battery on amazon.com, and this was sold by a " third party seller '' named XXXX, although the charge on my card was clearly made by Amazon. This battery cost {$210.00} came with a 30-month warranty which was for a full free exchange of the battery if it was defective. When the battery arrived, it was thrown over the fence and " may have been '' damaged in delivery but I don't know that for sure. The internal workings of the battery are not visible or accessible. Even if it was damaged in shipping, only " the shipper '' can file that claim. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- It was not installed in my vehicle until after XXXX because I needed help to do that, because the battery weighs more than 50 lbs and I was not able to lift it up and into my vehicle. There were constant troubles with it losing it's charge, whether the vehicle battery cables were connected or not, and finally in XXXX it discharged while I was shopping, could not be jumped and I had to have my vehicle towed home. The tow service driver did some kind of test on the battery and told me that it appeared to have an internal short. He said there was no way to know whether it was a manufacturing defect or from damage from mishandling in shipping. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I first called the manufacturer 's warranty service and they advised me that the seller had to honor the warranty if they were selling the product. So I contacted XXXX via Amazon to request a label and they told me via email that " they do not ship replacements '', which is to say, they had no intention of honoring the free replacement warranty. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- So I contacted Amazon to file an A to Z claim which they did for me and the customer service representative put in the wrong reason for the claim. They submitted that as a " problem with shipping '' when I had stated the item was defective. So my initial Amazon A to Z claim was denied because the item had been received. I never said it hadn't been. I assert that Amazon Customer Service entered my claim incorrectly so that Amazon wouldn't have to honor it. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I put it for reconsideration as DEFECTIVE and Amazon again denied the A to Z claim because I had not used the words " NOT AS DESCRIBED '', although non-working and defective and incapable of holding a charge would definitely be " NOT AS DESCRIBED '' for a brand new automotive battery that is reasonably expected to provide years of service. Oh. Amazon also told me that " the merchant had not refused to exchange the item '', although both Amazon and XXXX BOTH did fail or refuse to send me a return shipping label and XXXX did pretty clearly state in their email that they " do not ship replacements '', even though " free replacement '' that is exactly what the warranty states. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Somebody asked me why I didn't just return it anyway. Because I inquired XXXX about shipping 50 lbs of hazardous material and it would cost {$180.00}, IF they would even ship it. Amazon routinely hands out return shipping labels. XXXX somehow shipped it for free in the first place. But neither of them would give me a return shipping label. But for me as a private person, the cost is {$180.00}. The defective one already cost me {$210.00} and I still had to buy a working battery. My income is XXXX. I do not have {$600.00} or {$700.00} " extra '' to play their game. Also the warranty says " free replacement ''. If I had to pay {$180.00} to return a defective item makes it no longer a free replacement. But the seller already said they " do not ship replacements '', so why would I? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- So after dorking around for several " business days '' on Amazon 's insistence to wait for communication with the merchant, to wait for consideration of A to Z claims that were not submitted correctly, Amazon told me I would have to dispute the charge with my bank. I did that on XX/XX/XXXX, and Chase Bank issued me a credit, and I went and bought a working battery with that money, which was what I had tried to do in the first place. Or did they think I should sit with a completely disabled vehicle since XXXX while I waited for this? In the meantime, this pandemic happened. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Then on Friday XX/XX/XXXX, in the middle of a pandemic and just at the start of the holiday weekend, at approximately XXXX in the afternoon I received a voicemail from Chase Bank that they needed to speak to me " urgently '' with regard to this claim, and they required additional information from me. The voicemail did not say what additional information was required, which would have been the considerate and expedient thing to do. I called the number instructed to call back " urgently '' and the hold time was more than 90 minutes to speak to a representative. When the call finally connected, the call was disconnected with no discussion of my claim, whatsoever. My phone battery died when I tried to call again. After I charged the phone and tried to call again, that " 24/7 '' department was CLOSED. At XXXX XXXX on the Saturday on a holiday weekend less than 12 hours after receiving the voicemail, I received a letter from my bank that they were reversing the temporary credit because the transaction had been " authorized ''. I never said the charge was not authorized. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- So Chase Bank completely disregarded the fact that I told them I had received defective merchandise, and without allowing me the chance to find out what much less provide whatever additional information they might be requesting. I assert that Chase Bank entered my claim incorrectly so that they wouldn't have to honor it and has conspired either willfully or negligently with Amazon and XXXX to commit theft of my federal benefits. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- It seems to me that these ginormous corporations, XXXX, Amazon and Chase Bank are fine with stealing a couple of XXXX dollars from someone on XXXX. I am not seeking pity for my circumstance, but shame for them, and all three parties should be advised that I defend every XXXX. I did not pay a couple of XXXX dollars for a good working car battery so that I could also pay a couple of XXXX dollars to ship 50 lbs of hazardous waste material back to Connecticut. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- All three parties should be advised that if this is not resolved promptly to my favor, I will name all three parties as defendants in a Deceptive Trade Practices suit in my county in Texas, which is where I sat when this item was ordered from and where the merchandise was received, and will also seek reimbursement of additional expenses. | ||||||
| 02/24/2023 | Yes |
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Web | Older American |
| I am the victim of fraudulent wire transfers and Chase Bank will NOT help me. They have closed my claim of {$86000.00}, blamed it on me and refused to give me documents that Detective XXXX XXXX of XXXX XXXX XXXX Sheriff Dept has asked me to obtain for him. He needs a printout of the wire transfers, routing and account numbers, names of recepients, amounts, dates. The local Chase Bank in XXXX XXXX, FL and the Fraud Claims Dept of Chase have all refused providing these documents for me. This will result in a 60 day delay in the investigation of our case because the Detective will need to get a subpoena. CHASE CASE # Chase case # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX 's Sheriff 's CASE # XXXX Assigned to Det XXXX XXXX XXXX XXXX and ask for him Records XXXX XXXX email : XXXX Chase Fraud Case Chronological Events : PLEASE NOTE : Everyday and every time that I spoke to XXXX I received OTP texts from Chase asking if I authorized speaking with XXXX for which I did. Every call he stated this line was being recorded for security purposes and ended every call with Thank you for being the best part of Chase. XX/XX/XXXXXXXX XXXX. XXXX from Chase Bank called to advise me there was a wire transfer of {$14000.00} that looked fraudulent from XXXX XXXX and a XXXX payment of {$1500.00} from XXXX XXXX Billing account. I confirmed these transactions were not generated from me and were unknown. He stated the wire transfers were going to XXXX, OH and that XXXX XXXX XXXXXXXX were names that were attached ( not the payee ) to these. He asked if I know them and I do but havent spoken to them in 3 years. He advised that the use of a skimmer machine at a gas station or XXXX was how my information was obtained. XX/XX/XXXXXXXX XXXX. XXXX called said he was closing down the old account numbers for XXXX ending in XXXX XXXX XXXXXXXX and making new accounts ending in XXXX XXXX XXXX. He advised me of a Chase case number XXXX and if I had any questions to call XXXX for the online fraud department. He asked me for a new password code if calling in to Chase which I stated to use XXXX. He advised not to swipe any debit cards to only use the chip or tap/pay He brought me to the Chase website where I logged in. I was instructed to go to the wire transfer tab and use the account that shows XXXX XXXX account ending XXXX ( not XXXX XXXX ) and use that account as the to and from XXXX XXXX account ending in XXXX. I believe the amount was for {$14000.00} and in the memo to type Payment Credit Dispute # 1 This procedure was carried out on I believe six different occasions or dates. XX/XX/XXXX XXXX XXXX called stated he has reset and updated old accounts with new accounts and brought me to the Chase website where I logged in. I was instructed to go to the wire transfer tab and use the account that shows XXXX XXXX account ending XXXX ( not XXXX XXXX ) and use that account as the to and from XXXXXXXX XXXX account ending in XXXX. I believe the amount was for {$14000.00} and in the memo to type Payment Credit Dispute # 2 I was advised to stay off the website so they can finish setting up the new accounts and they would be freezing the old accounts. XX/XX/XXXX XXXX from Chase called stating old accounts and debit cards are deactivated but its not updated in the system yet so I wouldnt see it online. He would be shipping me new debit cards for XXXX XXXX billing and XXXX XXXX He stated the police in XXXX, OH were contacted and they would be making an arrest soon to expect pictures of them by email and advise if we know them. He asked me for a new login username and password for the website which these were never used or changed to. XX/XX/XXXX XXXX states accounts will be updated by tomorrow that they do know who did this and a warrant has been issued for their arrest. He will have the accounts connected today XX/XX/XXXX XXXX called said there will be no bounced check fees or wire transfers and he will send me new checks for the new accounts. XX/XX/XXXX XXXX stated a transfer of {$6000.00} from XXXX ... ending in XXXX was received to credit back from previous wire transfers. He asked me for a new pin so he could reset it for me. I had just gotten a new personal debit card as there had been two fraudulent charges previously so I thought thats why he needed it. I tried calling Chase and they wouldnt accept the new pin # and I had to use my old pin # to get in. XX/XX/XXXX XXXX called with new Case number XXXX because of the old accounts being frozen and new accounts. I asked him if I can run payroll and he said go ahead. He said the system was kicking back wire transfers and that we needed to do credit transfers to put the money back in the accounts. He assured me by the end of the day, all the accounts would be restored to the balances prior to the wire transfers. XXXX said he would call me Friday evening to confirm everything, and I didnt hear anything from him again. I believe because I got a call from ( see below ) the accounts then were really frozen this time and I couldnt access online which am assuming XXXX knew this or had exhausted all the money from all the accounts. I then received a call from XXXX ( I think ) from Chase Online Fraud Department and I tried to give them my case numbers and they said they dont deal with the Fraud Claims Dept at Chase and couldnt use the case numbers. He advised me of wire transfers of {$14000.00} and other various amounts and asked if they were fraudulent which I said yes, to please call XXXX so the two of them could collaborate. He advised me he couldnt and unfortunately, I got very upset and told him I couldnt do this right now. XX/XX/XXXX I called Chase Online Fraud Depart and spoke to XXXX in Customer claims. She advised me claim numbers are 7 or 8 digits and the case numbers I had were not valid. She issued me case # XXXX and advised me to go to my bank branch to complete a forgery packet so they could start the investigation process. I reported my personal debit card as fraud and XXXX gave me access to the website again with a new username and temporary password. I called Chase at my local branch in XXXX XXXX, FL and spoke to XXXX and set up an appointment for XXXX. as it takes 24 hours for the fraud case to hit the computers before I could complete the packet. On XX/XX/XXXX, I was contacted by XXXX at Chase who advised me of fraudulent activity on my accounts. He sent me an OTP code from Chase authorizing me to speak with him, which I accepted. He knew my two business names, signers and personal contacts. Because Ive received OTP codes in previous dealings with Chase representatives, I felt it was safe to speak with XXXX. Every phone call from XX/XX/XXXX through XX/XX/XXXX, I received OTP codes to speak with XXXX and to confirm the wire transfers. XXXX phone number showed on my cell phone as XXXX for which I called and received the same greeting from any other Chase number Ive called in the past... Thank you for calling chase ..... This was the same message every day ( I tried it ) and as of XXXX, the greeting is completely different now. XXXX or the Rep from Chase so I thought had me login to the website and he showed me the fraudulent wire transfer for {$14000.00} and another {$80000.00} was expected to transfer out in the next week. XXXX stated that he was going to help me stop the transfers and create wire transfer entries to credit the money back into our accounts. He advised that the money was being transferred out of the accounts that would be frozen and affected by the fraud and into new protected accounts. When he was telling me to move money through the Wire Transfer online feature, it showed from XXXX XXXX to an account in my name. He also advised me that new checks for the new accounts and debit cards will be sent to me and received within a few days. After meeting with Chase Bank in person, XXXX XXXX XXXXXXXX ( Chase reps ) believe fraudulent accounts or wire templates were set up showing my name but the last four digits of the accounts were not my accounts. | ||||||
| 07/16/2021 | Yes |
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| Chase had no rights or consent to close my open ended credit plan with their company. As the consumer in commerce, I have In good faith, extended my open ended credit to Chase and have done so with confidence that legality and fair measures would be met. According to Federal Law false any misleading information, such as billing amounts that are wrong constitutes Federal violation. Selling your information to other 3rd party debt collection agencies as a fraudulent charge off are a violation to Federal code. Chase as a consumer reporting agency intentionally put derogatory marks on my consumer report such as " late payments '. Congress does not define late payments, so this tactic was used in a detrimental way to the consumer. Chase again had no right to rescind my open ended consumer credit plan as they are not the original creditor of the account. I have not received original documentation from their corporation with signature in trust. I demand to see this piece of documentation if it truly exists. According to Congressional code not verbatim, informed consumer credit usage and education will further better the economy and unfair practices shall cripple it. Chase is merely a consumer reporting agency, debt collector and card issuer. I, the natural person, the consumer am the Original Creditor! Below is a list of Federal Code violations Chase has committed I seek immediate remedy and account reinstatement for my self the consumer and original creditor of this Chase account. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Disclosure to consumer ( A ) In general ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 15 U.S. Code 1692g - Validation of debts ( 2 ) the name of the creditor to whom the debt is owed ; Below are definitions to help better describe the figures of speech 5 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) Bureau. The term Bureau means the Bureau of Consumer Financial Protection. ( c ) The term Board refers to the Board of Governors of the Federal Reserve System. ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. | ||||||
| 07/01/2020 | Yes |
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| We are XXXX XXXX XXXX XXXX ( est in XXXX ) and dealing with XXXX XXXX XXXX. We were holding USD Checking account with XXXX XXXX and made Wire Payment to our suppliers for purchase of Meat. ( Starting on XX/XX/XXXX till XX/XX/XXXX ) XXXX using XXXX service and wrongfully wired ( 11 wires transactions ) through JP Morgan Chase Bank, XXXX XXXX NY, XXXX ( JP Morgan Chase Bank XXXX XXXX XXXX n XXXX XXXX routing number XXXX XXXX XXXX XXXX ) to XXXX ( third party ) ie made unauthorized remittance orders .... Beneficiary banks in XXXX as XXXX, XXXX XXXX have informed XXXX, JPMorgan that '' beneficiary doesnt match, fraud suspected, please urgently confirmed correctness and legality of the payment ... we suppose the payment is Fraud and the beneficiary account is used for criminal activity ... " But XXXX and JPMorgan never informed client XXXX about Fraud or stop sending money to criminal people. about it .... And XXXX - ( Fraud Manager XXXX XXXX ) ( through JPMorgan ) intentionally released all wires to fraudulent persons ... On XX/XX/XXXX 2wires as amount on {$38000.00} less bank charges have been returned to our account ( first return was initiated by XXXX XXXX as the account has been blocked as per XXXX Message from XXXX XXXX ( attachment enclosed ) and second one - by JPMorgan USA ( copy of swift enclosed ) But our XXXX XXXX misled us issuing False Bank statement by mentioned as a Sender - as XXXX company XXXX. .... it was a false On XX/XX/XXXX we have got information about Fraud from meat trading company XXXX who was also a victim of fraud..and immediately notified XXXX and cancel all payments. On or about XXXX XXXX we have got phone call from XXXX representative that an amount of {$98000.00} and {$82000.00} on its way returning however no one at the XXXX can confirm as to what that happened to that wire and where did the money go. After numerous calls and requests made by Director XXXX XXXX, on XX/XX/XXXX i received email containing two messages received by XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX. The messages contained words such as " Fraud suspected, beneficiary doesn't match, We suppose the payment is Fraud and beneficiary account is used for criminal activity '' The two messages were received by XXXX XXXX on XX/XX/XXXX regarding the amount of {$82000.00} and {$98000.00} which were wired on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX, Here is a history of all communication regarding that wire between XXXX and the XXXX XXXX, for your lawyer. XXXX ______________________________________________ From : INVESTIGATE Sent : XXXX, XXXX, XXXX XXXX XXXX To : XXXX, XXXX Subject : Fraud wire payments to XXXX XXXX XXXX XXXX USD XXXX VALUE XX/XX/XXXX XXXX & Ref XXXX USD XXXX VALUE XX/XX/XXXX XXXX Good day, We have already dated XX/XX/XXXX sent respond received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the subject 2 fraud wires USD XXXX & USD XXXX Copy of 2 messages received from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These messages were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : FRAUD SUSUPECTED - XXXX NAME DOES N OT MATCHBut PLEASE URGENTLY CONFIRM CORRECTNESS AND LEGALITY OF THE PAYMENT FOR USD XXXX OUR SECURITY DEPARTMENT NEEDS TO KN OW IF THE PAYMENT WAS MADE CORRECTLY AND ACCORDING TO THE REMITTER 'S ORDER. WE SUPPOSE THE PAYMENT IS FRAUD AN XXXX XXXX ACCOUNT IS USED TO CRIMINAL ACTIVITY. REGARDS, XXXX XXXX : XXXX XXXX : XXXX XXXX : FRAUD SUSUPECTED - XXXX NAME DOES N OT MATCH PLEASE URGENTLY CONFIRM CORRECTNESS AND LEGALITY OF THE PAYMENT USD XXXX OUR SECURITY DEPARTMENT NEEDS TO KN OW IF THE PAYMENT WAS MADE CORRECTLY WE SUPPOSE THE PAYMENT IS FRAUD AND XXXX XXXX ACCOUNT IS USED TO CRIMINAL ACTIVITY. REGARDS, XXXX On XXXX XXXX, XXXX Fraud Manager Mr XXXX has initiated RECALL/CANCELLATION REQUEST ON PAYMENT OF $ XXXXUSD ie about 16 days after wire transfer made and the same funds has been returned by XXXX XXXX because the beneficiary account has been blocked on XXXX upon swift message from XXXX XXXX . So it was just attempting to avoid penalty from breach AML/Patriot legislation On XX/XX/XXXX XXXX ( PPSS Escalations ) has sent message to XXXX Red Alert message regarding our payment as {$60000.00} that BENEFICIARY DOESNT MATCH AND FRAUD SUSPECTED ETC. ( attachment ) So XXXX XXXX, JP Morgan never informed/notified/alerted the Client - XXXX continued to wire out monies to XXXX XXXX ( which they never have got this money ) but XXXX ( Fraud Manager Mr. XXXX XXXX ) ( via JPMorgan as XXXX XXXX ) intentionally released all funds to the criminal third party as an amount of $ XXXXUSD by sending email to Account Manager of Bank Ms.XXXX. no need to contact the client '' Upon criminal case which has been initiated in XXXX by XXXX ( case # XXXX ) XXXX has got evidence that our funds has been credited to Fraudulent Unknown people ( not through our instructions UNAUTHORIZED ELECTRONIC PAYMENT ) Here are names where our funds have been wired and credited by XXXX XXXX XXXX and XXXX XXXX ) beneficiary names ( wrongfully released and credited to Fraudulent individuals accounts ) account ..with ... XXXX XXXX - ... XXXX XXXX XXXX XXXX account with XXXX XXXX ... ... XXXX XXXX XXXX XXXX account with XXXX XXXX XXXX XXXX - XXXX XXXX account with XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ALL THESE ACCOUNTS HAVE BEEN BLOCKED BY ORDER OF POLICE. Enclosed attachment confirmed the names where funds have been credited So upon all evidence we can confirmed that XXXX XXXX, JP Morgan ( beneficiary Banks XXXX XXXX as XXXX, XXXX XXXX ) has been involved in Fraud, Criminal Activity, Gross Negligence etc We once again asking you to start investigation upon existing evi But according to the Report from Prosecutor in XXXX ( XXXX XXXX ) - Criminal Case # XXXX the Beneficiary account belongs to Individual XXXX XXXX ( the holder of French passport ) has been not closed but blocked by XXXX XXXX XXXX XXXX XX/XX/XXXX upon Swift Message from XXXX XXXX ( attachment ) The second wire has returned on XX/XX/XXXX from JP Morgan bank ( correspondent bank for XXXX ) On XX/XX/XXXX, XX/XX/XXXX XXXX has got the RED ALERT Messages from beneficiary Banks in XXXX XXXX and XXXX XXXX that `` .... Fraud suspected - beneficiary doesn't match please urgently confirm correctness and legality of the payment. Our security department needs to know if the payment was made correctly and according to the remitters order .... we suppose the payment is a fraud and bene 's account is used to criminal activity " XXXX ( XXXX department - Manager XXXX XXXX ) ) made a release for all 11 wires to criminal people Through material from Prosecutor Office in XXXX ( see attachment ) all funds have been wrongfully transferred by XXXX to third fraudulent parties Date Amount in USD Beneficiary name Account No. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX RETURNED BY BLOCKAGE OF XXXX XXXX UPON SWIFT MESSAGE FROM XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX returned by JP Morgan Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX RETURNED BY CANCELLATION BY XXXX XXXX XXXX XXXX JPMorgan as XXXX was aware about Fraud but never stopped ( just once on XX/XX/XXXX XXXX JP Morgan has returned payment ( attachment enclosed - swift copy ) or alerted to Client The same time as JP Morgan and XXXX XXXX intentionally wired monies to Fraudulent persons ie made UNAUTHORIZED REMITTANCE ORDER Upon Bank policy If an unauthorized transaction is conducted through your Online Banking service, you will be reimbursed for any resulting losses to those accounts. ... This guarantee is given by XXXX XXXX XXXX XXXX in connection with its Online Banking service. 7 ) So JPMorgan as XXXX provided unfair business practices toward some small businesses | ||||||
| 02/26/2021 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Board Via online web form ( 855 ) 411-2372 To Whom it May Concern Subject : Complaint related to Chase Card Services Summary : Over the course of the past year dealing with Chase, I have had the misfortune of trying to work with their customer service at a time in which they suffered from very severely limited customer service capabilities and were either unable or unwilling to address my requests. I asked for a simple charge reversal within a month and a half of it being charged, and they have been unable to complete this process. Complaint Details : Approximately a year and a half ago, I was looking for a business account for my XXXX and settled on the Chase Ink card. One of the first transactions I made was to purchase insurance for my properties from XXXX XXXX. On approximately XX/XX/XXXX, I attempted to make payment to XXXX XXXX XXXX for insurance policies, via 3 independent transactions in the amounts of {$1200.00}, {$5700.00} and, {$2300.00} via a web portal provided by XXXX, a clearing agent for XXXX. The payment had seemingly been approved and processed and showed up on my bill. To my surprise, XXXX risk department took issue with the transactions and contacted XXXX XXXX. XXXX Risk Department immediately put a hold on the XXXX XXXX merchant account ( MID : available if necessary ), which was subsequently closed due to these transactions. XXXX informed XXXX XXXX that they would neither process a refund on my charges nor settle the batch appropriately to fund the merchant. XXXX stated that the transaction amounts would be held, by XXXX, for a period of no less than 180 days and notified XXXX XXXX that, after this time the transaction amounts may or may not be sent to me. XXXX XXXX also stated, in no uncertain terms, that they would not be funding XXXX XXXX to complete the transaction. XXXX XXXX, to their credit, kept me abreast of these issues as they progressed. I worked with XXXX XXXX to appeal to XXXX so that they would either refund me or complete the transaction with them.. XXXX ignored our requests. After several conversations between XXXX XXXX and me, it seemed the only course of action left was for for me to dispute the transactions with the my card issuer, Chase, in order to recover the funds, and the vendor ( XXXX XXXX ) in fact recommended this. Although the transactions were valid, to the extent that I intended to make a payment, the fact of the matter is that the merchant, never received the funding and every attempt to void, reverse or refund, the transaction was blocked by XXXX. Thereafter, having confirmed that the merchant was ready and willing for me to dispute those transactions, I first raised this via secure email ( Chase has a secure messaging platform which ensures safety an reliability, and so can therefore be used to contact them safely ) on or about XX/XX/XXXX, notifying the Chase team of the issue, challenging the charge, and including in the message the email from XXXX XXXX agreeing that the charge was invalid. Chase asked for additional detail ( which transactions and which vendor ), which I confirmed via secure email on or about XX/XX/XXXX based upon my records. Having done what I needed to do, I then returned to my business. In XXXX of XXXX I was surprised and dismayed to see that I received a late fee and an interest charge. I contacted the Chase team initially via secure messaging, which failed to receive a reply, and then by telephone. After explaining the situation, I was informed that Chase had spoken with the vendor, who did not agree to reverse the charge ( I believe this was the XX/XX/XXXX call, though I am not 100 % certain ). Shocked, I spoke to him on the phone later that day and confirmed that, in fact, Chase has never contacted him successfully, nor left a voicemail. I then contacted the Chase team again, contesting the fact ( or not ) regarding the vendor, and was informed that I would need to send a written response. ( see separate attachment ). Having sent this letter, I received a were sorry we didnt do well letter ( also attached ), but no action. On XX/XX/XXXX, after spending an hour on the phone with the Chase call center team, I learned several new items : Apparently no contact with the merchant was ever made ( contrary to at least one of the assertions from a call center agent ) There were several requests for additional information sent to my electronic account. Had any of your customer service people mentioned these missing documents over the last nine months, I could have acted to resolve in more detail, should it be required. I have asked Chase to please review and retain the call center recordings with me, as I believe business process failure is clearly evident, along with the miscommunication. Had any of the Chase representatives mentioned the statements available in my online message center ( or if I had ever received a secure message reply ), I could have easily addressed any outstanding issues-at this point I suspect Ive spent more than 50 and perhaps 100 hours trying to resolve issues with Chase. Three additional items happened since my last communication with Chase : The first is the complete list of contacts that I had with Chase, dates and times, and rough description of conversations follows this document.It is worth noting that Chase has this information but refused to look when I requested it, so I had to spend hours digging through phone records to find it. I would like to confirm that the insurance broker, XXXX XXXX, has provided good service and claims resolution for me over the past three or four years, with no issues. ( The Chase agent claimed he was a fraud based on one message board complaint, and therefore they were not responsible ). The third issue is that the last time I spoke with XXXX XXXX he informed me that he had caught Covid, and I have not been able to effectively contact him since that point ( end of XXXX ). Fundamentally, I view this as a clear-cut case of business process failure on Chases side, failing to check with the merchant after I provided additional information via secure messaging as well as providing misinformation to me during a phone conversation. I would consider this issue resolved if Chase : Removes the charges from my account, as I requested nine months ago, along with any late fees and other charges they wish to impose. Restores the other credit cards that I have with Chase to their full limits. Removes the false claims of non/late payment atthe credit agencies that Chase has made. Apologizes via email for the gross negligence in handling my account. Thank you, CFPB for helping me to resolve this. I have been a conscientious bill payer for my entire life, and I am quite dismayed to see how Chase has treated me. Appendix A : Secure Message and call history XX/XX/XXXX Secure Message Notification of dispute XX/XX/XXXX Secure Message Confirmation of dispute-additional information request, provided XX/XX/XXXX Secure Message Additional information request, and provided XX/XX/XXXX Secure Message Inquiry as to why the charges have returned to the account XX/XX/XXXX Secure Message Further inquiry as to when the charges would be on the account XX/XX/XXXX Voice call XXXX XXXX Follow up on dispute/confirmation XX/XX/XXXX Voice call XXXX XXXX Follow up on secure message of that day. No additional information requested by Chase. XX/XX/XXXX Voice call XXXX XXXX Closed/not available. XX/XX/XXXX Voice call XXXX XXXX Raised issue XX/XX/XXXX Voice call XXXX XXXX, XXXX XXXX Finally talked to someone about possible resolution routes. XX/XX/XXXX Voice call XXXX Long discussion. Predominant feature of conversation was well perhaps XXXX XXXX is a fraud. Were not responsible for that. I requested they check their voice recordings, and they claimed they could not and I had to identify the time. Received well, youre probably too late but we can try as a response from the Chase team. | ||||||
| 12/08/2023 | Yes |
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| Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over XXXX years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past XXXX years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past XXXX years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. Public Law 89-719, Public Law 94-564, Public Law 101-167, Public Law 91-151 Public Law 103-465, House Report 103-826 T.D.O 150-10, T.D.O. 92, 41 Stat. Chap 214 pg. 654, Emergency Banking Act 48 Stat. 1, Articles of Agreement 60 Stat. 1440, 20 CFR chapter 111, subpart B 422.103 ( b ) ( 2 ) ( 2 ), United Nations Secretariat Revised System of National Accounting, Diversified Metal Products v. IRS et al. CV-93-405E-EJE U.S.D.C.D.I. , XXXX v. United States , 177 F.2d 275, 277 XXXXXXXX v. United States , 493 F.Supp 673, 675 XXXX XXXX XXXX, 425 F.Supp 1318, 1319-20 FRC v. GE 281 U.S. 464, XXXX XXXX XXXX 261 U.S. 428, United States v. XXXX , 571 F2d 405, 410, XXXX XXXX XXXX 1 Dallas 43 , INTERPOL Constitution Art. 30, Executive Order 10422, Sincerely, | ||||||
| 07/13/2017 | Yes |
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| Please add this to report ID/XXXX. I realized I forgot to include some important details in that report they are as follows : My parents XXXX XXXX XXXX ( Step Adoptive Dad ) & XXXX XXXX XXXX graciously offered to purchase the electronics I mentioned in the other report. The XXXX lap top/ case, inexpensive XXXX lap top, a basic home phone, a inexpensive pay as you go cellphone. My Ex has accused me of spending " his money ''. I felt it necessary to clarify with the extreme Financial Abuse I have endured. Next I was contacted by XXXX XXXX and I quote, " XXXX has identified that one or more computers/devices behind your cable modem may be infected with XXXX or " XXXX XXXX '' Virus. A device behind your cable modem appears to have connected to a command and control server affiliated with this malware. Your personal information such as passwords and credit card niumbers are putting your data at risk. They said we can not protect one while sacrificing the masses. Your virus is setting off our fire wall and will breach our system and they asked me to disconnect all my devices shut it diwn and go with another service provider with a more secure network. Well my apartment building contracts with only XXXX XXXX so I have been with out internet for almost two years. My Ex Spouse used to work with XXXX XXXX and they own my apartment building. Are you seeing the continuation of Domestic Violence using third parties? It is getting clearer right? Next this virus was on the two smart TVs my parents bought for us to USE. This all goes back to them when we move out. They are just loaning them to us. Anyway all these items became infected with these viruses. He was using my children 's XXXX in reverse, viewing us in reverse on all electronic devices somehow. Anyway the XXXX were purchased at XXXX before I fled in XX/XX/XXXX. After fleeing they were hacked. I took them to XXXX so many times I lost count. They said he has your IPs get new phones. In a last ditch effort I took them to the XXXX XXXX at XXXX along with my XXXX lap top. All items were infected with extreme spyware, malware and Trojan horses that could not be removed and were hard to detect. They removed all they could we factory reset and got new sims to only have it happen again. I continued to use the XXXX lap top until one day it just went black screen and has never worked since that day. It wo n't even turn on. The XXXX we used till a promotion where you could trade your phones in Happened. We got new phones paid off the new ones off a few months later. I am still paying for my original phones from before I fled my Ex kept my sons phone even though I bought and paid for it. It just steals everything I have. It was my sons XXXX present from me. Whatever, I even got a Court Order for him to return it and nothing .... My new XXXX belong to me alone an Are paid in full. I switched from XXXX because my Ex was using my ss # to access my account information and they could n't stop it from happening. I shut down the online account and my cell service. I have new carrier pre paid month to month and it was going well until two weeks ago. It started to ramp up again. Apparently he was sending messages that explode the a virus then disappear. The above information is meant to clarify the previous report. Thank you for putting them together for me. Now Chase/XXXX Reward Visa. I opened this account as part of my safety planning with the XXXX and the Two Domestic Violence Homicide Detectives. This company made it difficult to pay my bill. My online accounts were constantly hacked password changed all the time. I would get locked out of my account. My Ex did this kind of stuff the last year before I fled. I did not realize but he got a hold of this card had my statements sent to his address and new everything I was doing. I used the card to put a down payment on my leased car, new car insurance, renters insurance, health insurance all that planning to get away and one phone call using my ss # and he got my statement sent to him and began harassing me with each of these vendors. Turns out the company My XXXX XXXX home reccomends for renters insurance is a family friend of someone we know in the XXXX family a third party to friends I have known since I was XXXX. They also refused to receive my monthly payments put me on hold for 45 minutes then just hang up on me all these companies were hurting my credit rating on purpose. Meanwhile at the time I had a pay by the minute cellphone plan. Can you see the Financial Abuse. Slight but it 's right there. Anyway I would try to pay my Chase bill on time and the same thing they would put me on 45 minute holds, refuse my payments for no reason, them send me late notices, then the Financial Abuse intensified and my Ex started with holding spousal support. To the point where it messed with my banking. I would deposit the check only to have him cancel it and all my bills bounce. XXXX XXXX did n't want to cash his checks anymore. It got pretty bad. During all of this my credit rating that I had just fixed plummeted again to XXXX. My heart sank. Chase turned me over to collections even though I was keeping them updated as soon as I figured out what he had done next. For 9 months this went on then they sent me to three different collection companies. They started calling and harassing me. I guarantee you woman who flee abuse want to pay there bill. You see the kind of Financial Abuse these guys do is slowly removing yourself worth, freedom, ability to provide for yourself all under the guise of protecting you. No one says of please abuse me or yes you may steal from me. Chase offered me a reduced payoff and I said No Way. I will pay this bill No Matter how long it takes. Finally after bursting into tears someone listened and heard me. Once they understood the type of abuse I was dealing with they started helping me again. They finally realized someone who has nothing wo n't be able to give you anything more if you yell and further re traumatized them. You have no idea what these brave woman and children survive and escape from. Anyway now they are letting me pay what I can when I can with the promise to restore my credit rating when it is paid in full. I will let you know what happens. This is not a traditional complaint more like something to learn from for everybody involved. You can look through this letter and address the abusive behavior. But my hope is that someone at Chase will become a Hero for the silenced, abused and those taken advantage of. Be a Champion go find the people in your company who have the power to change this. I know the day I pay you back will be one of the best days off mylife. I will get my dignity back. You know Financial Abuse is like a long slow XXXX of everything you have. I know that is graphic but you need to grasp how bad this really is to be able to change it. Please be one of those people my children and I can call Hero. Please be one of those Corporations who remembers you are only successful because so many human beings trust you with their money. Without them you have nothing. Understand the statistics are there and Domestic Violence is a Global Problem that is the highest it has ever been. If Corporation, Governments, Sports Teams, Organizations, Schools, Churches, Each Individual Do n't Stand Up and Say No More Society will fall. This change needs to happen now it is urgent. Corporations will cease to exists if society falls. It does n't have to be that way. We all have power to cause this societal change so let 's do it. I want to see your company flourish too. I have been self employed most of my life my job experience is varied and valuable. I want my busuness to be part of this change by you supporting me as I regain the life stolen from me you will be part of that change. So I graciously Thank you in advance for what you are about to do to address these issues for so many who need your help. Blessings, XXXX XXXX XXXX | ||||||
| 01/09/2023 | Yes |
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| To whom this XXXX concern, on XX/XX/2022 I fell victim to a scam. I now know the scam to be commonplace in XXXX after further research, particularly at Chase bank branch locations throughout the XXXX. I have attached the original email sent from XXXX to my personal email address for review- please note while I was on the call being scammed I attempted to contact XXXX via email to confirm the number and email were credible, and their phishing department did not respond, ever. Please make note that I received another email less than a month later trying to trick me using the same scam - It does not appear XXXX 's fraud and protection department have looked into this scam since emails are still being blasted out to consumers, and have been since at least the beginning of 2022. On the morning of XX/XX/2022 I woke up to a request for {$490.00} in my XXXX account. In the email sent by XXXX ( confirmed it was sent by XXXX ), there was a phone number provided for the XXXX fraud and protection team, and the message indicated that XXXX believed this request to be a scam. As a result, I declined the request and quickly reached out to the number provided to make sure my account was protected. I came to realize the number provided was that of a criminal/scammer/hacker claiming to be working for XXXX fraud department. I chatted with them for almost the entire day trying to investigate whom this hacker is that was able to access my account information. In this process I disclosed a considerable amount of personal information and also agreed to wire $ XXXX, albeit under the impression that XXXX fraud department had just deposited $ XXXX in the same account today - the purpose of XXXX " depositing '' funds into my account was for me to transfer said funds to an account that was noted to be run by the hacker - once the funds came available in the hacker 's account in XXXX XXXX, the supposed hacker would go to redeem them and be caught in the act. I note that the $ XXXX deposit was shown as executed by the hackers in my account, therefore, increasing the balance of my account at that time to nearly $ XXXX. As a result, I was further convinced and agreed to transfer the $ XXXX to what I now know to be a scammer. I also now realize after conversing with chase that the $ XXXX was never actually deposited into my account- I am unsure how the hackers showed this amount in my ledger. Nevertheless, it is worth noting that, on the same day of the scam, I paid off my XXXX which put my checking account balance below $ XXXX, albeit after consideration of the pending transaction on my account. Therefore, despite the bank ( XXXX XXXX of Chase Branch at XXXXXXXX XXXX XXXX XXXX, NY XXXX ) representative seeing my pending net balance below $ XXXX given the pending XXXX XXXX, he did not let me know there would be insufficient funds once the XXXX XXXX posts should the wire be sent out. It is hard to believe this was an oversight as my accounts were being reviewed by XXXX while I was sitting in his office. I believe most would assume this would be a red flag, or at least noteworthy, for an experienced banker and they would work with their customer to make sure the account did not go into a deficit- which my account did the following morning as a result of XXXX 's oversight. I reached out to Chase within just hours of realizing I had been scammed on XX/XX/2022 but they noted their wire department was closed for the day and I would need to visit my local Chase XXXX, which I did XX/XX/2022 first thing in the morning - Hoping to have the process of getting this wire recalled immediately before it reached any other intermediary banks or the recipient ( hackers ) bank account. I have been trying to work with Chase now since XX/XX/2022 on this matter. Because the wire was classified as an " authorized '' transaction, Chase representatives at the local and corporate levels noted that the only way for me to communicate with Chase about the case was through the " Secured Message Center '' on their mobile app and online - I can not talk directly to the individuals " handling '' my case as well as the communication with the hackers/scammers bank. For the record, almost every Chase representative, and even supervisors, were extremely dismissive and even rude to me on occasions, refusing to take any steps to help obtain updates, provide helpful info, etc.. They also made note that because the wire was authorized, they could make not guarantees of getting funds returned and it was a " best effort '' situation. This makes total sense as I was swindled. BUT, as a customer of a financial institution with robust resources, I still fully expected an actual " best effort '' on Chases behalf given I am a long standing customer and {$16000.00} is a good bit of money for anyone. I proceeded per their instructions and began contacting the " Secured Message Center '' - I have attached each sent message and email ( XXXX email ) for review. In addition, I have spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and made it aware to XXXX separate individuals of my situation and also provided the scammers account number, name, bank code, swift code, and scammers address ( attached as well as they sent to me via text message ). XXXX XXXX XXXX let their local bank branch know of the situation, as confirmed by a representative in XXXX XXXX. To summarize, I understand Chase 's position of not being liable for transactions their customers authorize. I would not be filing this complaint if it weren't for the following : XXXX. As attached, I sent XXXX messages to the " Secured Message Center '', the only means of contacting Chase for updates on cases like mine. Most of these messages were in the first few weeks of the case given the time sensitivity of wire transfers. Therein is dated proof of my attempts to contact Chase for updates. Given the time sensitiivty of this matter, their responses are deemed innappropriate in my opinion as a " best effort '' would have involved Chase actually reaching out to the bank ( XXXX ) involved to put a stop-go on the wire. XXXX XXXX representatives noted it takes usually XXXX business days for an international wire to be released, giving Chase ample time to recall the wire. XXXX. As attached, Chase provided responses and/or updates ( very limited detail ) on only several of my requests. However, nearly all of the replies were auto-reply from no one actually working on the case. However, ( attached ) as of XX/XX/2022 I received the below message as paraphrased for simplicity : " Due to increase volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. Thanks for your patience. '' I HAVE NOT RECEVIED A SINGLE UPDATE SINCE RECEIVING THIS MESSAGE, which equates to over XXXX month at this point- This is my primary issue with Chase and why I am reporting this to the CFPB. It need be said that I have researched and found numerous articles involving Chase 's lack of care and attention to customer complaints, needs, and matters. I have even called corporate customer support an array of times ( XXXX or more ) and the following generally happens : I am transferred around to several departments before being told this matter can only be handled through the " Secured Message Center ''. At that time I tell them I am getting no response from the message center and their best answer is " sorry, our department does not handle these types of claims '' and then, more often then not, I am suddenly disconnected. So, in essence, it is literally impossible for me to speak directly to the individuals handling my case, if there are any at all handling it. I am completely in the dark and the bank does not seem to care nor do they find themselves in need of even trying to help a long-standing customer with an XXXX XXXX XXXX. I have banked with Chase for years and this is a complete disappointment. | ||||||
| 02/25/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I would like to file a complaint against JP Morgan Chase Bank in reference to my Debit Card Fraud Claims I made on XX/XX/21 under XXXX XXXX XXXX XXXX. My complaint is that someone claiming to be me contacted Chase Bank requesting a duplicate Debit Card and requested 2 PIN # which were sent out by Chase and used by this person. Unauthorized withdrawals totaling {$2000.00} were done at a Chase ATM in the middle of the night on XXXX. See Exhibit 1 page 1 and 3 On the same morning of XX/XX/21 Unauthorized debit purchases for casino Vouchers for {$9800.00} ( includes {$380.00} in ATM service fees ) were made at ATMs in XXXX XXXX XXXX XXXX XXXX between XXXX with the same Debit Card and PIN # that Chase provided to this person. See Exhibit 1 page 1 and 2 I contacted Chase before ( XXXX ) and during ( XXXX ) these purchases to notify the bank that these purchases were not authorized and to shut my card down. Chase allowed the purchases to continue even after I contacted them about these fraudulent purchases pleading with them to stop the purchases. My Phone records prove I made these calls. See Exhibit XXXX Chase has denied my Claims and appeals of Debit Card Fraud which I reported to them on XX/XX/21 not XX/XX/21 as Chase incorrectly states. Chase says someone had my Debit Card and PIN # ( which Chase sent out to them ) and they were used in XXXX Florida so they are authorized purchases. See Exhibit XXXX page XXXX and XXXX On the same morning of XX/XX/21 I contacted the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and the XXXX Police to advise them of the fraudulent use of a duplicate debit card at their Casino. The Casino security has video showing I was not the one using the duplicate debit card in the casino and they voided the vouchers worth {$9500.00} so they could not be used at the Casino machines or cashed. The Casino has filed a dispute with the ATM company named XXXX XXXX that owns the ATM machines in the Casino to try and help me get my money back since Chase has made no effort to get my money back. Currently I have XXXX ( includes {$380.00} in ATM Service Fees ) sitting with the XXXX ATM company based in XXXX XXXX and Chase has done nothing to resolve it. Please see Exhibit XXXX page XXXX and XXXX There is a open Criminal investigation being done by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case # XXXX. For months Chase bank has not provided the Detective with the subpoenaed video at the Chase ATM, any IP addresses or Phone records used to contact Chase by the person requesting the duplicate Debit Card or PIN # s. The Detective has seen the video of the person using the Debit Card in the Casino and has told Chase that I am a victim along with other Chase customers he is investigating for similar fraud. Please see the below events listed in chronological order XX/XX/XXXX XXXX Someone other than me made a phone call to Chase requesting an expedited Debit Card to replace my card. Chase says they sent the card to my address but I did not get one and do not have a photo from the Post Office showing it was sent to my house. I had my card in my possession and did not order a new one. XXXX XXXX I received a PIN # in the mail from Chase and have a post office photo of it. This was XXXX weekend and I did not open the envelope at the time as I thought it was promotional marketing mail. It turned out to be the same PIN # I have always had and did not understand why they would send me the same PIN #. See Exhibit XXXX XXXX Apparently Chase was contacted again and another PIN # was mailed to my address however I did not receive this one but I have a United Postal Service email showing a photo of the envelope delivered. This must have been intercepted by the person that ordered the duplicate card as the card was used on this day. See Exhibit XXXX XXXX - XXXX XXXX account records show that someone accessed my Chase Account online and changed my password. XXXX - XXXX they withdrew {$200.00} and then {$800.00} from the Chase ATM XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX See Exhibit XXXX page XXXX and XXXX XXXX XXXX They waited until after midnight to access the next business daily withdrawal limit and withdrew another {$200.00} and {$800.00} from the Chase ATM at the same location. See Exhibit XXXX page XXXX and XXXX XXXX XXXX XXXX or XXXX Someone transferred {$10000.00} from my Chase Business Savings to my Business Checking. Looking online at my Chase account, it shows the same device that changed my ATM password, accessed my business accounts. See Exhibit XXXX page XXXX At XXXX there was a {$2000.00} Debit Card Transaction at XXXX XXXX XXXX XXXX which was Declined by Fraud. At XXXX they accessed my Chase Account again online and added a phone number ( XXXX ) as a secondary contact number. The detective says this phone # has been used to access many other Chase accounts XXXX times. At XXXX I called the Chase Customer Service phone # XXXX on the back of my Debit Card which I had in my possession. I told them I was receiving push notifications of ATM transactions that were not mine and to cancel the card. After a 22 minute conversation I was being transferred to the Fraud Dept. when I was disconnected. Please see my phone records proving I made the call. See Exhibit XXXX At XXXX a {$2000.00} Debit Card Transaction XXXX which is the XXXX XXXX XXXX XXXX was approved even after I called them about the unauthorized purchases. See Exhibit XXXX page XXXX At XXXX I called Chase back telling them that there was a debit card purchase that just occurred which was not authorized by me and at this time I spoke with Fraud for 23 minutes pleading with them to cancel my card. Please see my phone records proving I was on the phone with Chase before all of the following transactions. See Exhibit XXXX At XXXX another {$2000.00} Debit Card Transaction at XXXX XXXX XXXX XXXX was approved by Chase while I was on the phone with Chase XXXX See Exhibit XXXX page XXXX At XXXX another {$2000.00} Debit Card Transaction at XXXX XXXX XXXX XXXX was approved by Chase while I was on the phone with Chase XXXX See Exhibit XXXX page XXXX At XXXX another {$2000.00} Debit Card Transaction at XXXX XXXX XXXX XXXX was approved by Chase . See Exhibit XXXX page XXXX At XXXX another {$1500.00} Debit Card Transaction at XXXX XXXX XXXX XXXX was approved by Chase XXXX See Exhibit XXXX page XXXX Records show at XXXX someone accessed my Chase Account again but not sure what they were attempting. The Device used to access my account was an XXXX XXXX using XXXX to access Chase.com, the phone # XXXX ( which I googled and it appears to be a T-mobile ) and it was added to my account I presume on XXXX at XXXX. XX/XX/XXXX XXXX I visited a Chase Branch to close the compromised business accounts and handed them my debit card to destroy. XX/XX/XXXX XXXX I filed a Fraud report with the XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX XXXX I drove to the Casino to meet with the Security and Cashier of the XXXX XXXX XXXX and filed a fraud report with the XXXX XXXX Police . They confirmed the Vouchers were Voided and could not be used and Security would be notified if someone did try to use them. On XX/XX/XXXX and XXXX I received notice that Chase denied my Fraud Claim Appeals. Chase says their investigation does not involve looking at video, checking phone records, talking to police, contacting companies involved or consider customers past behaviors etc. See Exhibit XXXX pg. XXXX and XXXX I appreciate your assistance in this matter and please contact me for any other additional information. I am looking to recover my {$9800.00} from the ATM company XXXX and I feel I should get my {$2000.00} ATM CHASE Bank withdrawals back since Chase provided someone with a duplicate debit card and a PIN # that I did not ask for and I notified Chase in a timely manner. XXXX XXXX | ||||||
| 07/22/2023 | Yes |
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| I am a franchisee of a chain of stem cell clinics called XXXX XXXX. As a franchisee, my own business entity name is required to have a name that is different than " XXXX XXXX. '' My entity is XXXX XXXX XXXX XXXX. I opened a Chase business checking account. Many of my patients are very old. Some are in their XXXX. They have trouble hearing. They see " XXXX XXXX '' on the signage and write their checks Pay To The Order Of XXXX XXXX. I instructed my employees to always make sure they write XXXX XXXX XXXX XXXX but employees make mistakes. My employees deposited checks into the checking account with Pay To names ranging from " XXXX XXXX '', " XXXX '', " XXXX XXXX XXXX. '' Again, many of these people are hard of hearing. Chase did not reach out to me for the simple explanation that this is merely a DBA ( doing business as ) and instead shut down the account without warning. We recovered from that by opening an account at a much better bank, but chase froze the {$17000.00} that was in the account. First they said they would send a check. That check never came, so I inquired further and they said the funds are frozen until all the check writers verify that they intended to write the checks. There are XXXX people, with XXXX checks. They demanded each one of these people visit their local Chase branch, despite only one of them being a Chase customer, and talk to a banker to resolve the issue. Chase bankers are mostly very inexperienced people who have no idea what to do. These XXXX, XXXX XXXX XXXX patients have great trouble getting around and a trip to the bank is a struggle for them. Despite this, they did it, only to be confronted by bankers that had no clue what to do, even though I gave them written instructions and explanations of the situation. Finally the story changed and Chase said do not send these people to the branch, instead call XXXX, which is Chase compliance. Since the account closed at the end of XXXX / early XXXX, I have called multiple times a day every day. It has been almost 3 months of calling, trying to catch these people when they are available, since most do not have a cell phone. Chase insists that they reach out to these people and that they use a number that they can somehow " verify '' for these people despite them not being Chase customers. They will not accept the phone numbers I have for these people, on which I am easily able to contact them. Finally, today, XX/XX/XXXX, I called the number and the rep was able to verify the check for the very last person who needed verification, XXXX XXXX. Upon doing so, the rep said that all XXXX of the checks / XXXX people were now verified and the funds would be available. He said he unfroze the account and he was going to mail me the check. But, as I said, Chase bankers are unqualified for their roles, and Chase had the wrong mailing address for me. They instead had the address of the West Virginia XXXX of XXXX. This is because the business is registered with the XXXX XXXX and the address for the XXXX XXXX appears on its letterhead. So the incompetent banker used this address instead of my entity 's address. The Chase rep on the phone proceeded to change the mailing address to the proper address, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As he was doing so, the call dropped. Chase has a policy of not calling people back. So I had to start over. I called the Chase compliance number again and got a rep who, after XXXX minutes, still could not comprehend what I was talking about. I hung up and called again. I got another rep who put me on hold for XXXX hours while she " investigated ''. Upon returning, she told me that actually XXXX of the XXXX checks were still unverified. I was shocked, because again, I have called every day for the past 3 months and I am intimately aware of who is and is not verified, and exactly the time that they were verified. And only XXXX hours prior, I was on the phone with a rep who said he had unfrozen the account and was just getting the right address so he could mail the check. The answer is different every time with Chase. Phone calls are a dice roll. I insisted on speaking with a supervisor. I waited another hour, and the supervisor said the same thing. He listed the names of the " unverified '' people : XXXX XXXX, XXXX XXXX, and XXXX XXXX. This was shocking, since I specifically remembered exactly when and how these people were verified. For example XXXX XXXX was verified on XX/XX/XXXX at XXXX eastern. I specifically remember it because XXXX is a chase accountholder. He had a request on his account not to be called. We had to request that he call Chase, ask to temporarily be removed from the do not call list, and then tell us so that he could receive the call and verify the check. Amazingly, he did all of this for us, and Chase was able to call and verify at that time. But now they say, actually he wasn't verified. I told the rep tonight to check the notes on XX/XX/XXXX. He confirmed he did see it was noted that Chase made contact with XXXX and verified that he wrote the check, but then this verification was later rejected by back office because the phone number is " not verified. '' In fact, he said they do not have a verified phone number for XXXX. I asked : " So he is a chase customer but you do not have a phone number for him? '' The rep said yes. Absurd. The number on which he was reached was XXXX, which is his phone number. I clarified with the rep if the issue is truly that he does not have a verified phone number, or instead just that he has reinstated the call block request. The rep said that he does not have a verified number. I said how do we get a verified number? The rep said it is impossible. So Chase confirms that what they are asking me to do is a literal impossibility. I have complied to the maximum extent, and yet they still hold my money. Calling and making requests of these people has resulted in financial loss and destroyed the reputation of my business locally. Having {$17000.00} frozen almost put us out of business as well. Chase does not care and admits that their requests are impossible. XXXX XXXX is the same situation as XXXX. The notes show she was indeed contacted, at XXXX, and she did verify the check, but the phone number is just " not good enough. '' The third person XXXX XXXX, has a number we can use apparently, but is currently not picking up the phone. I will attempt again tomorrow, when I am sure I will get completely different information, and upon XXXX 's verifying the check for a second time and then calling and swearing at my employees for the hassle, Chase will make up some other excuse not to verify him. The last Chase rep I spoke with tonight on XX/XX/XXXX was named XXXX, and he refused to tell me where I can make a formal complaint against Chase. I told him that he knows where, and he is required to tell me where, but still he refused. So I told him I would make sure to include his name in my complaint. I need my funds back. This is outright fraud and theft and has caused me great financial and reputational losses. Chase openly admits that what they are asking for is impossible and that they will hold my money perpetually. There needs to be an alternate avenue to resolving this, like for example acknowledging that the customers that confirmed they were verified, that the notes show were verified, ARE IN FACT VERIFIED. XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX My name is XXXX XXXX XXXX being stolen by Chase : XXXX XXXX {$5000.00} XXXX XXXX {$2000.00} XXXX XXXX {$870.00} XXXX XXXX {$2000.00} XXXX XXXX {$8000.00} XXXX XXXX {$1000.00} XXXX XXXX {$2500.00} Also I would like to note that although Chase admits XXXX of these XXXX people are verified ( and until the very last phone call I had, said that all XXXX of the XXXX people are verified ), they refuse to release any funds until every single check is verified. This is blatantly illegal. | ||||||
| 08/14/2021 | Yes |
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| Chase, you are vastly out of compliance and we have been awaiting the following so we can make our payments on our Southwest Visa ( Opened XXXX ) and our Marriott XXXX ( opened XXXX ). These are the fact of the case so we are level set : 1. We are Victims of Identity Theft ( This has been acknowledged and proven ) This started all course of events to take place 2. We are Victims of Account Takeover. This has been proven at least two times, along with other devices being added to our accounts. At very least, it is proven that on XX/XX/XXXX that a fraudster, someone other than myself and my family, changed my long-standing email and phone number. On XX/XX/XXXX, after thinking about the additional fraud and bounced ACH payments I had the Chase online team walk me through the entire online site and while reviewing we found this fraudulent email and phone number that I had removed immediately. Note, prior to this I had my online access removed for a time ( I asked for this ) in an attempt to frustrate the fraudsters. This worked to a certain degree but I also needed access eventually to my online banking and had it turned back on. 3. On XX/XX/XXXX, as stated above, I noticed with the rep who was going page by page with me, that the aforementioned email address and phone numbers had been changed, which we quickly rectified. Also, it was noted that on XX/XX/XXXX this took place and I let the Executive resolution team, notably XXXX, know this. I asked that she get this information from the banking platform which also displays my card info. She told me that she could not or would not do that, I cant recall, so I made those calls myself and obtained the time periods and records. This has been notified to XXXX XXXX XXXX via secured messaging that we have recently begun using to converse or for me to supply additional details as Chase has asked 4. XXXX XXXX also asked for me to complete two more assignments for her ; 1. Provide a letter from my cell carrier XXXX ( now XXXX ) from the beginning o XXXX to the present date of said letter. I did this and sent her this letter showing malicious activity on my mobile phone during all of the time frames in question. I also, called XXXX, knowing I would get little information, but also shared the same with XXXX XXXX. In addition, XXXX mentioned that if the fraudsters took over my accounts at chase ( online account access ), had what I will call spoofed my cell phone, then they could also have taken over my XXXX account as well. This means they could read emails prior to myself reading them and then delete them permanently without me even knowing they were logged into my email. This being a particularly good point, I created a new email and assigned it to my Chase online account moving forward. You will see that information Chase if/when you access my profile. 5. On XX/XX/XXXX, I was also monitoring my account and noticed a very strange XXXX transaction. Though my daughter will be paid from a Trust it just didnt look right so I called chase. I asked why they payment was on hold and I was told that it was on hold because it was showing that I had made this online deposit by e-check. I advised that I had done no such thing and then, now knowing how to access this, checked to see if anyone had changed my email address or phone number. Wouldnt you know it, my old email address had been changed to XXXX. This was another account take over and obviously the fraudsters had something cooking. I asked that this {$5200.00} check be sent back to the maker and removed from my account, being assured that would happen within 24 hours. However, this {$5200.00} check was not removed and I have been told that my account will remain locked until the check bounces ( will not be assessed a fee ) until XX/XX/XXXX. THIS IS NOT ACCEPTABLE! This is FRAUD and ACCOUNT TAKEOVER. Chase is required to return this fraudulent instrument and make my account available to me. This BTW is when I officially changed my email address, leaving my phone number since it had remained correct and static. Chase you are in violation of the FCBA, for one and I could go into the FCRA and Credit Card Act as well to show Chase is in violation there as well. Here are the reasons for your violations which are illegal in nature and step on my rights as a consumer directly! 1. Chase must only report the balances and payments of a fraudulently disputed account ( s ) to the credit bureau prior to all fraud taking place. This has not taken place ; you are in violation and are now considered against regulatory law that is hurting me as a consumer. This needs to be cleaned up and payments need to be shown as agreed since they have been all along. 2. Chase is to supply me with, and I am required to make payments on, only the non-fraudulent balance and payments prior to the fraud. I have asked 100s of times for this with absolutely NO RESPONSE from Chase. This is to be remedied immediately. 3. Chase has reported the account closed by creditor yet I am the one who alerted them to all fraud, including ACH bounced payments. This is illegal and goes against the FCBA and my rights as a con sumer. If you chose to place a statement of under fraud investigation that is find but any negative connotation is against my consumer rights. This must be reflected on my credit reports ( all three ) immediately. Actions of myself and my family : 1. If the above takes place, we will make the minimum payments and keep our credit strong with Chase as I think we can come to a resolution that is right for all. Reinstalling my good name and 20 years of good credit with Chase will be a start and re-opening these accounts should be the next step. We WILL NOT pay on fraud. If you do not remove these we will move to the next step. 2. If Chase does not manage this, I will file for bankruptcy, and have all debts herein waived. I have already made agreements with all of my other creditors that are collaborating with us and they are willing to speak to my stature with them and their companies in a court setting. I will reaffirm with all creditors that understand whats gone on at the meeting of creditors 341 meeting. Yes, I am also a bankruptcy expert and a witness on all types of financial crimes. This one just happens to be against me and my family and now I will t reat myself to the knowledge I have. In addition, after the BK is discharged, I will sue all creditors who did not act within the law for : a. Not following consumer protections regulations b. And, I have already contacted the Press that is ready to take this to local and then then National level. Chase you are NOT being threatened. These Fraudsters and now yourselves have threatened myself and my family. Also, through your inaction, you have allowed Account Takeover to continue which also leads me to believe that this is at least partly an inside job! You have many documents that are floating around Chase that you cant account for, yet I have proof that you received these faxes from your branch offices where they were sent from. This is pure negligence and show to me that Chase has many internal pieces broken within you communication and customer privacy chain. This must end! Also, Chase as noted the fraudsters have now made contact with my daughter XX/XX/XXXX and with me this past Wednesday XX/XX/XXXX. You are making the situation worse and the fraudster who contacted me even mentioned the online check that was placed within my account without any authorization of myself or my wife. Also, I let XXXX XXXX know, showing proof of the letter I had written in XXXX that Chase was not to accept any 3rd party checks without validation and approval by myself. Chase, you acknowledged this email and yet you allowed it on both my credit cards and now my checking account I have with you. This is not only sad, but you have also broken my trust and rights as a consumer! Thank you, XXXX and XXXX XXXX | ||||||
| 04/01/2020 | Yes |
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| I opened a new Chase Total Checking account on XX/XX/2020 at my local Chase branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, CAXXXX, which I will here on refer to as the " XXXX XXXX branch '' ) to take advantage of a {$200.00} new account bonus being offered to XXXX XXXX opening a new Chase Total Checking account. I learned of the offer through XXXX XXXX XXXX XXXX sign-up webpage. The URL is : XXXX. I have copy and pasted the offer as it can be seen at XXXX as of today, XX/XX/2020 ( scroll down to roughly the middle of the webpage ) : " Weve collaborated with Chase to bring XXXX Instant Cash Out to the XXXX XXXX XXXX app. Connect a Chase checking account to get your money in moments with no Instant Cash Out fees, or use another bank for a small {$0.00} fee per transaction. New Chase checking customers, Chase is offering {$200.00} to XXXX XXXX who open a new Chase Total Checking account1with qualifying activities.2 '' The terms and conditions for the offer, which are at the bottom of the XXXX webpage, I have also copy and pasted below : " Bonus/Account Information : Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance. To receive the bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Cash out your XXXX delivery earnings one time through the XXXX for XXXX app using your new Chase Total Checking Account within 90 days of account opening. Cash out your delivery earnings as many times as you would like, up to {$500.00} per day. After you have completed all the above requirements, well deposit the bonus in your new account within 10 business days. You can receive only one new checking account related bonus every two years from the last enrollment date and only one bonus per account. '' I have also attached screenshots from the webpage showing the offer and the terms and conditions. The banker who helped me open the new Chase checking account at the XXXX XXXX branch is XXXX XXXX. This is the first time I have ever opened a checking account of any type with Chase. I mentioned the offer to XXXX as he began taking my information. He was unable to to find that specific offer on his computer in the information he has available to him through Chase 's own internal information system. I also do not believe it is posted anywhere on Chase 's website. As I previously mentioned, I successfully opened my new Chase Total Checking account on XX/XX/2020, thus meeting condition # 1. I made my first cash out of my earnings through XXXX XXXX XXXX App on XX/XX/2020. The cash out ( which is essentially an instant withdrawal of earnings currently available from making XXXX XXXX via XXXX XXXX XXXX App ) of {$16.00} is shown as having a transaction date of XX/XX/2020 in my Chase online banking activity. I have attached a screenshot of my online banking activity that shows this. This means I met condition # 2 as of XX/XX/2020, thus meeting both conditions and making me eligible for the bonus as of that day. The terms of the offer state that once you have met both requirements that you will receive your {$200.00} bonus within 10 business days. Today is, by my count, the 15th business day since XX/XX/XXXX. I still have not received the bonus in my checking account. Before filing this formal complaint, I want to document that I have tried to reach out to Chase several times to try and resolve the issue unsuccessfully. My first attempt was calling their customer service telephone number on XX/XX/2020. I do not have the agent 's name or employee number. After explaining my situation, the agent I was speaking with told me that I needed to " go in to a branch or call XXXX. '' I explained several times that the offer clearly outlines that Chase is the payer of the bonus, not XXXX, but she took a hard stance and continued to repeat the phrase above. I decided to wait a few days to see if the bonus would be paid. It was not. My second attempt to resolve the issue was by sending an account inquiry through Chase 's " secured messaging '' feature via their online banking portal. I explained the situation in my message about not receiving the bonus, here is Chase 's response ( screenshot attached ) : " Hello XXXX, We'll be glad to review information about a promotional offer on the account. XXXX, we understand your concern and sincerely apologize for any inconvenience caused. We see that this account was opened at a branch. We'll need to help you in person with your promotional offer inquiry. Please visit any of our branches. You can also call a branch to schedule a meeting. Find the phone number by searching under " ATM & branch '' on chase.com. Without a scheduled meeting, you may have to wait for an available banker. We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. Thank you, XXXX Chase Email Servicing '' In following with social distancing, and for the safety of my own family, I did not want to physically enter a branch, so on XX/XX/2020, I decided to call the branch where I first opened my account. It turns out I accidentally called a different Chase branch in XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which from here on I will refer to as the " XXXX XXXX XXXX branch '' ) where I spoke with a banker named XXXX XXXX. First, she informed me that I had contacted the wrong branch. She then went on to explain that each Chase branch has its own " slush fund '' set aside for new account bonuses, and that I would need to contact the branch and banker who first opened the account for me. She told me that the branch I first opened my account at ( XXXX XXXX branch ) was closed currently, but would be reopening on Monday, XX/XX/XXXX, and to try getting in contact with XXXX then. She also told me she would be sending an email to XXXX to explain the issue. I called the XXXX XXXX Chase branch on Monday, XX/XX/2020. They were closed. I'm not sure if XXXX was given incorrect information about the operating hours of the XXXX XXXX Chase branch or not. I called XXXX at the XXXX XXXX XXXX branch shortly after the same day to follow-up. She did not answer so I left a voicemail at around XXXX asking her to call me back. I did not hear back from her that day, so I left another voicemail in the evening at around XXXX asking her to call me back. I waited today, Tuesday. XX/XX/2020, until around XXXX to hopefully receive a call-back, which I did not. After calling a few different times and failing to have anybody at the XXXX XXXX XXXX branch pick-up, I got another banker on the phone. He told me that XXXX was busy, but that the XXXX XXXX branch was now open and to try calling them. I called the XXXX XXXX branch at around XXXX and was informed that XXXX was not in by a banker named XXXX XXXX. XXXX asked if he could help so I decided to explain the situation to him. I directed him to the XXXXXXXX website so he could see the posted bonus offer. He told me he would submit a request to his banker support team and get back to me. I waited until around XXXX. Not having heard back from him yet, I decided to call him to follow-up. He told me that he agreed that I had met all the terms of the offer, but gave several reasons as to why I had not yet received my bonus. He said that the team that reviews these types of new account bonuses is short-staffed, so it was possible that there had not been anyone available to review my account and approve the bonus. He also said that he needed to do some more research and find the correct department/persons responsible for handling this specific offer. At this point I feel like I have exhausted all options for getting Chase to pay the {$200.00} bonus offer, whose terms I am in complete compliance with, and thus have been forced to file a formal complaint with the CFPB. | ||||||
| 05/18/2022 | Yes |
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| On XX/XX/XXXX a deposit was made of {$50000.00} into Account for Chase Checking - XXXX from CBP transfer ( UNKNOWN SENDER ). ( This account belonged to XXXX XXXX, daughter of XXXX and XXXX XXXX ) ( XXXX XXXX is also listed on this account ) On XX/XX/XXXX a withdrawal was made of {$50000.00} from Account for Chase Checking - XXXX to CBP transfer and this amount was transferred to Account XXXX. ( This account belonged to XXXX and XXXX XXXX ) On XX/XX/XXXX a withdrawal was made of {$50000.00} from Account for Chase Checking XXXX to CBP transfer ( UNKNOWN ACCOUNT ). Chase bank never alerted of this activity to either XXXX or XXXX. The only reason this activity was discovered on XX/XX/XXXX was because there was a purchase online for XXXX XXXX XXXX for {$21000.00} made on a debit card ( XXXX ) XXXX XXXX 's card. This $ XXXX was XXXX XXXX XXXX personal money. Chase did send 2 text messages for this to be approved and we have proof from XXXX that XXXX never approved them. On XX/XX/XXXX XXXX XXXX called Chase to report fraud on account since they did not make any of these transactions. ( For their account XXXX and debit card XXXX linked to that account ). On XX/XX/XXXX XXXX XXXX noticed the activity on her account and called Chase to report fraud on account XXXX. On XX/XX/XXXX XXXX XXXX had appt at Chase General XXXX XXXX location with XXXX XXXX / Personal Banker. Chase closed account XXXX and debit cards on account and opened new account with new debit cards issued. Chase closed account XXXX and issued new account and new debit card. XXXX XXXX XXXX XXXX told XXXX XXXX that her debit card was compromised and this was all fraudulent activity. On XX/XX/XXXX Chase bank credited new account for XXXX XXXX her personal money back for {$21000.00} into new account. on XX/XX/XXXX Chase bank reversed this charge and took the {$21000.00} back with no notification on why they were doing so. On XX/XX/XXXX XXXX XXXX noticed the money was missing AGAIN and called Chase. She was told that she lost and they couldn't help her. On XX/XX/XXXX XXXX XXXX went to Chase at XXXX XXXX and spoke with XXXX XXXX / Personal Banker. She called and reported the reversal and filed complaint with department. XX/XX/XXXX XXXX XXXX received a call from XXXX w/ Chase ( XXXX ext XXXX ) saying case is closed and nothing they can do. Suggested that XXXX file a police report and call XXXX to complain to escalation department ) On XX/XX/XXXX XXXX XXXX filed a police report for the {$21000.00} - ITEM # XXXX. XXXX XXXX contacted an attorney to handle this issue : XXXX XXXX with Law Offices of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX sent complaint letter to Chase and they responded with a letter stating that they reviewed the claims and that their research showed the amount of $ XXXX was denied because the funds were transferred back to the account XXXX. Those funds never left the client 's accounts. They reviewed the other claim for {$21000.00} and that was also denied because there was a one time passcode sent to your clients phone number. ( If all of this was true then XXXX XXXX ( account XXXX ) should have {$50000.00} in her account after this and XXXX XXXX 's phone should have gotten an alert with a passcode notification to respond and authorize this request for purchase of {$21000.00}. Neither of these are accurate. There is no $ XXXX in any of these bank accounts and there was no text alert sent. Another letter was sent by XXXX XXXX, Law Offices of XXXX XXXX XXXX XXXX, XXXX to Chase : Re : Claim XXXX and Claim XXXX On XX/XX/XXXX, my office received a letter from your Executive Office wherein the following were represented : Claim number one regarding {$50000.00} ( XXXX ) was denied because your research allegedly showed that the funds were transferred from my clients account to her other account, and then back to the initial account, meaning that the funds never left my clients accounts. Claim number two regarding {$21000.00} ( XXXX ) was denied because the transaction was allegedly confirmed by a one-time passcode sent to my clients phone number ending in XXXX. To begin, please be advised that my clients are not seeking {$50000.00} and not making a claim that {$50000.00} has been taken from them. On XX/XX/XXXX, an unknown entity deposited {$50000.00} in my clients account ( XXXX-the XXXX account ) via CBP Transfer XXXX The same unknown entity then transferred that {$50000.00} to my clients other account ( XXXX XXXX account ) on the same day via Online Transfer XXXX The same unknown entity then withdrew that {$50000.00} from the XXXX account on the same day via CBP Transfer. In other words, the {$50000.00} was never my clients money. Somebody put the money in their account, moved it to their other account, and withdrew it entirely. My clients never earned the money, never touched the money, and never made a claim for the money. My clients claimed the transactions were unauthorized because that is precisely what they weresomebody hijacked their bank accounts. The next day, an alleged card purchase for {$21000.00} was made with no pin number at an undisclosed location unlikely to be in Louisiana at XXXX XXXX XXXX using the card ending XXXX. This is the only claim for which my clients are requesting their money be returned. Without even putting fraud in the search, the top results on XXXX regarding, XXXX XXXX XXXX, are about the rampant fraud going on regarding bank accounts and XXXX XXXX XXXX My clients do not own crypto, have never invested in crypto, and, like the rest of us, are fully aware that crypto is nonsense. I am hopeful that the issue here is that the two claims have been processed in vacuums. The claims should be processed together. Clearly, the individual or entity who accessed my clients accounts the day before is either the same individual or entity who fraudulently withdrew {$21000.00} from their account or is in cahoots therewith. It is worth noting that in the years that my clients have held accounts at your bank, the massive {$50000.00} transfers were, to our knowledge, the only ones that have ever been made via CBP Transfer. Per my understanding after speaking with a Chase representative, a CBP Transfer is an XXXX transfer. My clients could not have possibly deposited money from overseas into their accounts and subsequently withdrawn money overseas from their accounts because they were not overseas. They were in Louisiana being victimized by an unknown entity. It also bears mentioning that, as made clear by the records in your possession, the staggering amounts involved in these transfers are completely out of line with the traditional purchases and transfers made by my clients. The obscene, one-time XXXX XXXX XXXX charge is also the only XXXX XXXX XXXX charge that has ever shown up on their statements. These transactions have no resemblance to any prior transactions in their lifelong history. It would be impossible for an unbiased party to look at these transfers and not see fraud. On XX/XX/XXXX, your bank credited my clients with {$21000.00} after a review of the charge. Without notification, on XX/XX/XXXX, your bank took the money back. At this time, I humbly request that your bank reconsider the action taken on XX/XX/XXXX. My clients are victims in this matter. I recognize that your bank has procedures it must follow and that this dispute may not be able to be resolved overnight or without litigation. But, if there is anything me or my clients can do to assist in resolving this matter amicably, please do no hesitate to call or write with requests or suggestions. Chase responded back still stating that they won't refund the money. This is a clear case of fraud and we are talking about a high amount of money. XXXX has provided text documentation showing the 2 text messages coming in from Chase as INCOMING on XX/XX/XXXX with XXXX OUTGOING of XXXX XXXX approving anything. I have provided documentation. | ||||||
| 06/26/2017 | Yes |
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| I believe I became a victim of a " bait and switch '' ploy used by one of the mortgage bank officers at Chase. The following describes a series of events that took place, and I list them in a chronological order. At or about XXXX XXXX on XX/XX/XXXX, XXXX XXXX, my loan officer at Chase, discussed with my father, XXXX XXXX, possible mortgage terms on a condominium that I was buying in XXXX XXXX. The loan officer reviewed with my father an offer I received from another mortgage lender, XXXX XXXX. The Chase loan officer then proposed to me a 4 % 10/1 ARM with a {$620.00} credit and no points and no costs, which essentially was equivalent to a total credit of {$1300.00}, which includes appraisal fees ( SEE EXHIBIT 1 ). She told us that if we move forward with Chase on that night, she can get the rate locked in for 30 days if she can receive the application before midnight ( SEE EXHIBIT 1A ). I sent in all my application materials including all supplementary materials such as the most recent 30 days Paystubs, XX/XX/XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX complete Federal Tax Returns, all Schedules ( no CA Returns ), etc. Then, around XXXXXXXX XXXX she sent me an email stating that since my purchase agreement stipulates a 45 day escrow, she can not lock me in for 30 days. For a 30-day lock, she stated that the rate of 4 % would still remain the same but the lender will have to charge me {$680.00}, that is, she has to take away the earlier {$620.00} credit she offered me. I immediately contacted my real estate agent on XX/XX/XXXX, to see if the Seller would agree to change the Close of Escrow from 45 days to 30 days. The seller immediately agreed that evening and the final addendum was received on XX/XX/XXXX ( SEE EXHIBIT 2 ). So I informed my loan officer of this change. She said that everything will be acceptable to Chase. She then said that Chase would still need 6 months of reserves in escrow. I immediately produced the evidence of sufficient reserves on my retirement account. I asked XXXX to see if Chase would let me shop around for a Mortgage Insurance ( MI ) company because the Chase MI company lenders charge {$210.00} when other companies charge only {$84.00}. She said that I will not be permitted to do so and she can not disclose the identity of the MI Company. The Chase mortgage loan officer, XXXX, and I reviewed all the documents together and our application was submitted and received by midnight for the 30-day rate lock. The rate she offered was at a 4 % 10/1 ARM with the {$620.00} credit and no points and no costs. ( FIRST BREACH OF VERBAL CONTRACT ) On XX/XX/XXXX, XXXX told me that she could not honor Chases original offer of 4 % 10/1 ARM with the {$620.00} credit and no points and no cost, and the rate could not be locked in the night before, as promised. For the rate lock, she stated that she needs an 18 months reserves, and not 6 months. Chase can not possibly change its terms after it was confirmed to me that the rate would be locked. She said, however, that she can now lock the rate at 4.125 % at 7/1 ARM with {$27.00} of total lenders costs but still no points, if I submit the application as of XX/XX/XXXX. XXXX told me that if we dont lock the rate today, the rate will change again. This was my biggest fear, and she knew that ( SEE EXHIBIT 3 ). I was shocked at how the rate had changed suddenly, now that the application is in the hands of Chase, and the escrow period has been shortened. The Chase loan officer then told me that the rate would change again over night and this left me feeling cornered to have to accept whatever changes Chase decided to demand. Chase requested that i shorten the escrow period to 30 days, yet at this point, had already changed the rate of my loan once. This led me to spend the whole day on XX/XX/XXXX to see if there were other lenders who could beat the rate. Please keep in mind, this is during holiday season and many offices were already closed. I had a difficult time to get a hold of other lenders. Despite the fact that Chase did not honor its initial offer and the monthly mortgage insurance is higher than elsewhere, I felt forced and cornered to accept this offer, given the running escrow time. ( SECOND BREACH OF VERBAL CONTRACT ) The Chase officer and I talked on the phone, and I asked her to put those numbers in writing. I wanted to make sure that she will not change the loan terms again. Around XXXX XXXX, XXXX sent me an email confirming todays rate of 4.125 % on a 7/1 ARM but now with {$680.00} in total lenders costs, no points. This is on a 30 day lock. Now, at this time, once again, the lenders cost went up from {$27.00} to {$680.00} I immediately sent XXXX an email message asking her to lock the rate the way she outlined. XXXX responded to confirm the request, and I thought that XXXX would lock the xrate for me at this revised rate of 4.125 %. I reconfirmed at XXXX XXXX by an email. By XXXX XXXX, XXXX was already working on due diligence on my files ( SEE EXHIBIT 4 ). ( THIRD BREACH OF AGREEMENT ) Later that night, I was contacted by XXXX, now explaining to me that she could not lock the rate because there was a computer glitch on the part of the bank. She called my father and told him that the new rate is now 4.25 % with XXXX points. Can you imagine my shock? The loan terms were changing every minute regardless of whether Chase earlier assured me of the rate lock even in writing. I was very surprised, felt cheated, and felt very helpless. She told me that either I take the deal or I need to go elsewhere. I felt backed into a corner and felt threatened. There was no choice but for me to continue moving forward with Chase, given that I had put an earnest money deposit of {$18000.00} in escrow and the clock is ticking. This money would be forfeited if I did not meet the 30 day escrow deadline. In my opinion, Chase broke its verbal commitment and contract, and this breach was not based on good faith and fair dealing. The very next day, on XX/XX/XXXX, I received an email from XXXX who admits that Chase made an error, due to a computer glitch ( SEE EXHIBIT 5 ). ( FOURTH BREACH OF CONTRACT ) The next day, on XX/XX/XXXX, I called to see if she did anything about my application. What she said next was incredibly shocking. She again surprised me by letting me know that she locked the rate in at 4.125 % but with XXXX points as has been shown on the Closing Disclosure ( SEE EXHIBIT 6 ). This XXXX points was absolutely new to me, something that she has never told me before. Ever. What has happened to the banks full disclosure requirement to customers? She told me that she locked the rate at 4.125 % as agreed but instead she built a XXXX point upfront fee in the transaction hoping that her manager will remove it later for us. She gave me her managers name, XXXX XXXX. ( FIFTH BREACH OF CONTRACT ) About a week prior to the closing of the escrow, XXXX XXXX came back to me to let me know that Chase has decided to lower the point from 0.75 % to XXXX ( SEE EXHIBIT 7 ). This is not how we agreed, to begin with, and furthermore, I wanted to have the whole procedure proceed without fearing about how the underwriting department can possibly delay and eventually end the whole transaction. There were only a few days left before the escrow expired. The only reason why I agreed to sign Chase 's loan agreement was out of my fear that the whole loan will fall apart. The escrow 30-day time clock was ticking, we were in the XXXX and XXXX XXXX holiday season. It was impossible to find other lenders who were available and could act quickly enough to meet this now less than 30 day time window. I feel duped, cheated, threatened by acts that Chase exhibited throughout this whole loan process, starting from day one. In the end, I ultimately was penalised by Chases admission of a computer glitch. Chase committed bait and switch acts that are reprehensible. | ||||||
| 08/18/2023 | Yes |
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| Chase was explored as a bank to open a small business checking account with and it offered a link to receive a bonus of about {$300.00} if and when certain tasks were completed after the account was opened. On XX/XX/23, a small business checking account with Chase was opened online with account number ending on XXXX. The process required that the Business of Formation certificate be uploaded, which was done. The Business of Formation certificate includes the name of the business, the name of the registered agent, and name of the business owner. The account was opened as soon as the requested information was provided. Chase gave the option of making check deposits via the mobile app and it required that this be done as part of the required tasks for the bonus to be awarded. Check ( # XXXX ) in the amount of {$2200.00} was deposited via the mobile app that was made out to the business owner. The check was accepted. A couple of days later, I attempted to access the account online to confirm that the check cleared and received an error message indicating the account was restricted. I assumed that perhaps it was system error and waited a few days to try again. I tried again after a few days and received the same message. I opted for calling the number provided to find out what was going on. At that time, I was informed that the account was restricted due to an issue with Chase not being able to verify the check. I later received a letter from Chase indicating that it could take about 7-10 days for the check to clear. On or about XX/XX/23, I visited the Chase XXXX XXXX branch and was informed by the teller that the account was closed since the check could not be verified and that check XXXX I deposited would be mailed out to me. I called Chase at XXXX opt. XXXX to get further clarification. I was then informed that in fact the account was closed since the issue was not resolved in a timely manner. I was informed that the issue was that they could not verify check. I asked what needed to be done and I was asked to provide the phone number for the business that issued the check. I provided all the phone numbers for all the partners within that business. I was then told that Chase uses a system to verify the check and that this system could not find that any of the phone numbers I provided were linked to the business that issued the check. I was asked to contact the business and get the phone number that was linked to their business, which was done and was provided with the same phone numbers. The issue was not resolved. Chase then indicated that the business that issued the check could put a stop to the check and issue another check to me. I followed this advice and was given a second check ( # XXXX ) which I cashed with another bank without any issue. However, the business that issued check XXXX could not put a stop to the check. This caused the reputation of my business to be tarnished. On XX/XX/23, the business that issued both checks notified me that both checks were cashed and asked why. They also provided a screen shot of their account, which shows that the check deposited into the XXXX account was cleared on XX/XX/23. I followed up with XXXX about check XXXX and they would not confirm that they cashed the check. They continued to say that they could not verify the check. I was then told that they could also not link me as the business owner to my business despite me having provided the Business of Formation certificate. Chase would end the phone calls indicating that they could not resolve the issue. I continued to contact Chase and provided the contact information for the business that issued check XXXX and Chase insisted that their system could not verify the check. When questioned as to why they cashed the check, they indicated that this was done because the check was deposited into my business account. They indicated they could not release the funds to me because they could not verify the check. I asked for Chase to contact the officer for the bank account from which the check was drawn to help resolve this issue and they indicated they could not contact them. I was informed that if the issue was not resolved, they would hold the funds for 1 year and then release the funds to the government. They would not tell me where the funds were being held. On XX/XX/23, I visited the Chase branch in XXXX, NJ and with XXXX XXXX, who upon reviewing the letter sent by Chase indicated that the letter was vague and did not provide me with much information about the issue. XXXX XXXX proceeded to contact the XXXX XXXX Department and asked what needed to be done for the issue to be resolved. XXXX XXXX confirmed that I was at the branch in person, provided my driver 's license, provided the XXXX letter from the IRS, provided the Business Formation certificate that confirmed I was the business owner as all documents provided included my name and address. XXXX XXXX was asked to fax the Business Formation certificate, which he did. Nothing else was asked and we were told that they would review the matter. XXXX XXXX indicated that nothing would be resolved on XX/XX/23 since it was Friday and they would work on the issue on Monday XX/XX/23. XXXX XXXX indicated he would give the Deposit Review Department until XX/XX/23 to work on the issue and he would follow up with them to get an update. XXXX XXXX indicated that most likely Chase would send me a check for the amount of check XXXX. I followed up with XXXX XXXX on XX/XX/23 since I had not heard from him at which time he did not remember me or my issue. XXXX XXXX indicated he did not receive any notification from the Deposit Review Department and that in order for him to follow up with the matter, I would need to visit the branch in person. On XX/XX/23, I called the Deposit Review Department and was again told that the issue was that they can not verify the check. I asked why they cashed the check if they could not verify it and they indicated that the bank from which check XXXX originated, cleared the funds so this allows Chase to take the funds. They again indicated they could not release the funds to me because they could not verify the check. I asked them to return the funds to the business where the funds were taken from and Chase indicated it could not do this. I was informed that the business that issued the check could " pull the funds '' but could not explain what this process entailed. On XX/XX/23, I spoke to the officer for the bank account for the business that issued check XXXX to request assistance. The officer, who has 20 plus years experience in banking, informed me she did not understand why Chase was doing this and why they would not release the funds and that this did not make any sense to her. The officer did not know what Chase meant by " pulling the funds ''. On XX/XX/23, I contacted Chase again to try to resolve the issue. Chase continued to say that they can not release the funds to me until they verify the check, which they could not do despite the information I provided to them as requested. Then they indicated that they could also not link me to my business as the owner and if these 2 matters are not resolved, they would hold the funds for up to 2 years and then release the funds to the government, and then I would have to try to get the funds from the government. I have called Chase multiple times, provided the information they requested both online, via phone, and in person, which they keep indicating is not sufficient. I have offered alternatives for the issue to be resolved, which they have declined to consider. Chase has arbitrarily taken funds from a business and these funds do not belong to Chase. Chase is adamantly refusing to release the funds to my business or return the funds to the business that issued the check despite all information requested by them being provided on multiple occasions. | ||||||
| 12/09/2020 | Yes |
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| Re : Mortgage Application # : XXXX Property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX We are writing to demand an immediate and satisfactory resolution to our mortgage application, and highlight deceptive trade practices ( false advertising ) that have gotten us to this point. Below please find a summary of our Chase mortgage experience, along with greater detail that showcases false advertising, deception and delays that your mortgage team engaged in from XX/XX/XXXX to XX/XX/XXXX. Summary : We locked in a 7/1 ARM refinance rate with Chase, at 2.375 %. We were offered 0.25 % lower mortgage rate in exchange for transferring {$500000.00} in investible assets to JPMorgan Chase. This offer was made by XXXX XXXX. We were fully vetted and received a commitment letter, dated XX/XX/XXXX. We fulfilled all requirements in commitment letter. We were consistently met with no transparency throughout the process from XXXX XXXX after escalating to her - No opportunity to understand nor rectify any issues. No response from her supervisor, XXXX XXXX, when escalated. XXXX income and employment status was verified by current employer multiple times. We provided evidence of liquid and liquidable assets to repay mortgage balance in full as of start of loan, if necessary. What other issues on ability to repay are there? None provided by bank. Loan application rejected, ostensibly due to not having 2 years of tax returns for current employer - first time this information was communicated to us was XX/XX/XXXX, 5 months since we first started the process with Chase. Not a regulatory requirement as there are other means to verify income and employment over the past two years. We have other methods of income verification - ex. 2 years of tax returns from XXXX with current employer These details are also filed in US tax returns Details : We were offered a lower rate on this mortgage by XXXX XXXX - if we brought over {$500000.00} in investible assets to JPMorgan Chase, we could buy down our rate by 0.25 %. We first began speaking with Chase in JXX/XX/XXXX, and locked in our loan in XX/XX/XXXX, due primarily to Chases slow-walking of our mortgage application. We received a mortgage commitment letter, which is attached, on XX/XX/XXXX, and have provided all information requested therein. Additionally, Chase, to our knowledge, has finished its due diligence on all of its items in the commitment letter. As of late last week, the Title Company that Chase had contracted with was in touch with us regarding Power of Attorney. With little transparency, on the same day, XXXX XXXX from your mortgage department informed us that our mortgage was going to be rejected. The reason provided was not clear to us, but she referenced not having two years worth of my income. This was something that was addressed back in the summertime, long before our commitment letter, and long before we had wasted valuable time and energy to provide Chase with all of its requests, and meet with an appraiser at our home. The underwriters were provided with documentation showing that we can have enough liquid assets to pay off the mortgage in full at the start of the loan, should there be a need to fulfill our obligation. XXXX income and employment were verified by her employer multiple times, as were her pay stubs. XXXX income in XXXX and projected in XXXX is over 125x more than the projected monthly estimated carrying costs associated with this loan. Due to the complexity of our assets and income, XXXX, hired by XXXX employer to file taxes, opted to defer filing taxes for XXXX. We have paid our estimated taxes, and have furnished all documentation Chase requested to show this, as well as the extension that XXXX filed. We are happy to furnish the tax returns in XXXX for both XXXX and XXXX should this be necessary. Between income and assets, as well as propensity to earn income, in the event of losing income, we have liquid assets in the amount of approximately {$1.00} XXXX with additional real estate assets totaling $ XXXX, while our loan application was in the amount of {$850000.00}. If Chase had planned on not funding the loan due to questions about income or anything else, this requirement should have been disclosed at the beginning of the process, rather than after our assets were transferred to JPMorgan Chase ; after the commitment letter was issued ; and certainly after the Title Company was already in touch with us. Our negative experience, along with the false advertising, raises serious questions about whether this was part of a deliberate process by Chase to obfuscate and delay our mortgage process, while getting us enrolled in Chase Private Clients banking products by transferring significant assets over. We realize that Chase may not be profitable on a 7/1 ARM at 2.125 % ( 2.375 %, less 0.25 % that Chase agreed to allow us to buy down the rate ). We intend to submit all of our documentation and evidence of this to the Attorney General of New York, as well as the Consumer Financial Protection Bureau. Our documentation will show : Chase willfully engaged with us on transferring assets in exchange for the promise of a lower mortgage rate. Chase was told in XXXX about our income situation. We further have recordings showing that Mr. XXXX was aware of this and it was not an issue. We transferred nearly {$300000.00} to our Chase accounts in preparation for our mortgage, with our ultimate goal, and agreement from Chase, that these funds and others we planned to transfer were going to buy down our mortgage rate by 0.25 %. We had expected this to close by XX/XX/XXXX, and were in close contact with XXXX XXXX, Mr. XXXX and XXXX XXXX about the status of our loan. At no time was it brought to our attention that there were any problems with our loan application. Chase reassured us that the bank would pay for the extension when we raised the alarm that the process was taking too long as the fall months dragged on. Due to XXXX travel schedule, and operating under the assumption we would close before XX/XX/XXXX, we reached out repeatedly in the past few weeks to Chase about how we go about setting up a POA. On the date XXXX left for a trip abroad, we were left in a lurch, with no one at Chase showing the courtesy of replying back to us or even acknowledging our last messages. Our commitment letter, dated XX/XX/XXXX, specified very detailed items needed and reasons Chase could cancel its commitment to our mortgage. The vague reason Ms. XXXX gave to us regarding the rejection was not at all included in this letter, and thus, we question the legality of Chase withdrawing and backing down on its word at this stage in the process. Chases willful delays on this matter has cost us substantial savings, not to mention the time and stress we have invested, with the idea that we were bringing a sizable amount of capital to Chase Private Client and starting a long term relationship with your bank. We finish this long process not only furious with the lack of transparency but also the fact that we were apparently misled repeatedly in the process. Based on the commitment letter and the documentation we have assembled, we do not see any reason for Chase to decline the loan application. It is apparent that the purpose of this unnecessarily drawn out process was the intent to falsely advertise an appealing mortgage rate in return for our assets transferred, and to increase our AUM with Chase. We are a private bank client at XXXX XXXX XXXX. Theres no other reason for us to become Private Clients at Chase, a major step down in benefits from what we receive with XXXX XXXX. Please let us know if we should resolve this through legal means. Please be reminded that this originated in XXXX XXXX XXXX, and the XXXX XXXX XXXX Consumer Protection Law prohibits deceptive trade practice. Sincerely, XXXX and XXXX XXXX | ||||||
| 09/12/2019 | Yes |
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| I would like to file a complaint against Chase Mortgage Services. I started my mortgage with Chase 14 years. Over the past several years, I have had many issues with the way Chase has treated me and handled my mortgage. As I will detail below, there have been several instances when I ( 1 ) received contradictory and different information from different Chase representatives ; ( 2 ) received erroneous information from Chase concerning notifications they sent ; ( 3 ) have not received important information in the appropriate time frame ; and ( 4 ) Chase continues to include and ESCROW charge every month even after I have proven to them that I am paying insurance and taxes separately. All of these issues have caused me a lot of stress, money, and time. I have been unsuccessful in efforts to get reimbursed for late fees that I do not feel were correct. Even after speaking to representatives on the phone and going to the branch in person, they are still not giving me the right information. It is an ongoing challenge. I will outline my grievances below, with as much specificity as I can. Issue 1 : Contradictory information I called Chase on XX/XX/XXXX. I first talking to representative XXXX XXXX, then my case was escalated and I talked to XXXX XXXX of the Escalation Team. During my conversation with XXXX, she said Chase should have notified me if a payment was rejected in XX/XX/XXXX. I told her I was not notified. The situation was clearly confusing to her too. She told me, I have never seen anything like this. I dont know what went wrong. My call then got escalated to Mr. XXXX on the Escalation Team. Here is where I got the first explanation for why I started falling behind on my payments in XX/XX/XXXX. Explanation A I was given for why I started falling behind in XX/XX/XXXX : Mr. XXXX told me that the reason I started accruing late fees and being a month behind on my mortgage is because there was an audit of my payment history completed and the people auditing my history claimed that on XX/XX/XXXX the mortgage payment I made was not processed. To reiterate, Chase told me that in XX/XX/XXXX a payment from XX/XX/XXXX was not processed. This was after months of statements telling me I was up to date and in good standing. It was shocking to hear that four months later, after receiving several months of mortgage statements showing me in good standing, one of my payments was retroactively denied, putting me behind. I was told by Mr. XXXX that bills sometimes do not show the true record of events. He did not provide any explanation why a rejected payment from XXXX would only show up in XXXX nor did he provide details about the people/group doing the auditing, even though I asked for both. The huge lag between the supposed missed payment and the start of the chain of late fees are very problematic and was made worse by the lack of information and communication. XXXX XXXX, manager of my local Chase Bank in XXXX told me that the bank has 3 to 9 days to give people information if a payment was rejected. No such notification was provided to me. During a phone call with Chase, a representative ( whose name I did not record ) told me that checks sometimes get lost. This is disturbing to me, because I do not use a computer at home and rely on writing checks to Chase ( in the actual bank itself ) to make my monthly mortgage payments. Chase did not notify me at all about this audit which found months after I believed I had made the payment-that I was in fact behind. Mr. XXXX said that a notification was sent in XX/XX/XXXX detailing the situation. That is unacceptable because it is about a year a half after the initial late that they charged me with. The amount of late fees at this point was already around the size of an entire monthly mortgage payment. I repeatedly tried to fight these late fees, spending hours on the phone and even getting the support of a Financial Coach to help me ( from the Colorado nonprofit mpowered, XXXX XXXX ). The Financial Coach, who called Chase with me on numerous occasions, was also surprised and confused by the situation. What made things worse and harder to resolve is that I got a different story from Chase in later phone conversations. Explanation B from Chase on why XX/XX/XXXX started a chain of lates : On XX/XX/XXXX, I once again called Chase with my Financial Coach in the hopes of getting a reimbursement for one year and a half of late fees. This time we spoke to a Mr. XXXX XXXX to better understand the timeline of events. Mr. XXXX told a different story. He said that on XX/XX/XXXX I made a payment over the phone, and that it was rejected for insufficient funds five days later on the XX/XX/XXXX. This is different than the first explanation from Mr. XXXX because it did not involve a rejected payment from several months earlier triggering the late. Another incident involving incorrect information : In XX/XX/XXXX I got a letter saying I made that months payment on BOTH the XX/XX/XXXX and XX/XX/XXXX of the month. This is incorrect information from Chase. Issue 2 : Not communicating with me once the series of late fees started in XXXX. The late fees have cost me over {$1500.00}. I believed they were in error because I always prioritize my mortgage payments. I almost always make payments in person but I will also make them by phone once in a while. As mentioned earlier, I was told by my local Bank Manager XXXX XXXX that Chase would notify me 3 to 9 days after a payment was rejected. I did not realize that there was any issue with my payments. I am very regular about going to the bank and filling out the payment. There was not timely communication about this. The explanation of my lates was only sent in XXXX ; like I mentioned, I do not believe I missed a payment in XXXX. Issue # 3 : Chase falsely claims it returned a check to after declining payment for insufficient funds I never received a returned check or notice for being late. This would have Issue : I am still getting incorrect information Chase told me I paid on the XX/XX/XXXX and the XX/XX/XXXX of last month. This is incorrect ; I only paid once. This did not affect me in any financial way, but it is another example of erroneous reporting. This makes me feel stressed and uncertain, because I am constantly worrying about whether Chase is properly handling my mortgage. Issue # 4 : I am still getting bills which include an ESCROW, even though I have always paid my insurance and taxes separately from my mortgage. This year I started receiving additional charges on my mortgage for ESCROW payments. I have never had escrow payments, nor do I need them because I pay my taxes and insurance separate from my mortgage. I have repeatedly sent Chase the information they requested to prove that I am paying my taxes and homeowners insurance. My homeowners insurance is paid for every month. This year I opted to pay my taxes in two installments ( taxes are completed paid for the year ). I went to Chase in XXXX, Co to discuss this. He said he did not see any ESCROW on the computer. Later in XX/XX/XXXX, my Financial Coach and I called Chase to also. I faxed Chase 9 pages of documents showing them I had paid my homeowners insurance and taxes. In XX/XX/XXXX, it is once again showing on my mortgage statement that I still owe the ESCROW and I am past due on it. This is infuriating and I do not know what to do because I have talked to them so many times about this problem. In conclusion, I am amazed at the money, time and stress the issues with Chase have been costing me. As I mentioned, I have been working with a Financial Coach from the Colorado nonprofit mpowered. He has been with me as I try to get answers from Chase and he is also amazed at how inadequate Chase has been with my mortgage. I would appreciate any support as I confront Chases terrible mismanagement of my mortgage. | ||||||
| 07/20/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Chase XXXX XXXX XXXX XXXX, DE XXXX To whom it may concern : This is in reference to your letter dated XX/XX/XXXX regarding the closure of my accounts with Chase Bank . In the letter it was indicated that the reason for closure was due to inappropriate conduct with our employees. Let me first start by thanking Chase staff for keeping my money safe and cordial relationship I had with employees at XXXX XXXX, XXXX, Illinois. There is always two sides to any story. Kindly requesting the manager of XXXX XXXX, XXXX, IL to site specific examples of the time and dates of inappropriate behavior towards to employees. I am specifically indicating that is untrue. I have been a Chase Bank customer for 13 years. I have always maintained a cordial and mutual relationships with staff at Chase on XXXX XXXX, XXXX, IL. As far as I know there have been three incidences in the branch where I felt I was discriminated against. In XXXX, XXXX ( beginning of XXXX, I can not remember the exact date ), I walked into the bank and XXXX of the tellers stated she had a cold ( I can not remember the name ) and had slight cough. I informed the teller ( female XXXX XXXX that it was important wear a mask while serving customers because she could be in the asymptomatic stage of COVID. As a registered nurse I did not feel comfortable with the teller serving me, so I went to the next teller. She was very rude, felt entitled, and stated she would not put on a mask. I informed her that it was not fair for customers to be served by her while she was sick and was not putting the mask. I reminded her of the importance of infection control. Another customer in line, a XXXX male stated he was a XXXX and that the teller did not have to put a mask. I informed Customer that it was wrong to support the teller knowing she had informed us she was sick, had a cold and slight cough. I told him his support for the teller was prejudiced. I later on reported the incident to the XXXX police station. I went to the back and had questions about travel policies since I was going to travel to XXXX on XX/XX/XXXX. The XXXX ( XXXX male ) who was sitting in XXXX of the tellers cubicle the manager requested to speak to me. The manager proceeded to talk to me publicly and accused me of being rude and inappropriate to one of the employees. The manager did not respect me as a customer by speaking to me in a public place instead of private room. ( The same employee who had refused to put on a mask ). I informed him the matter was already resolved but the manager was very unprofessional towards me and even threaten to call the police and told me he had the right to even make me walk out of the premises. I informed the manager it was cold outside and I would stay inside till police arrived. I felt threatened, not treated with dignity and respect and unappreciated as a valued customer while in real sense. I went ahead and called the police who came to Chase premises and talked to both of us. Another incident occurred in XX/XX/XXXX, I went to the bank and I was in line and we had XXXX tellers and they did not say a word to me. I felt like they had already discussed about me. The other teller just left and went to the back. When I asked why I wasn't being served, the other teller told me she was busy and apologized. The one who walked away without a word, I presumably thought was the one I had previously asked to put on a mask. When I tried using my card it did not work and I was asked to see the representative in the bank. The teller and manager ( XXXX female ) informed me that all my accounts had been closed that the bank had the right not to inform the customer as to why the account was closed. I was surprised and shocked. As a valued customer I thought it was important that someone could have called me or the bank could have sent a letter or given me ample notice. I did let the manager know that I always like to maintain cordial relations with staff even if Chase did not want me to bank with them anymore. I thanked the staff. The manager ( XXXX female ) never even said a word of appreciation given the length of time I had banked with Chase. This just showed there was a hidden agenda regarding closure of my accounts. The manager ( XXXX female ) did not explain how they were going to handle my retirement accounts. I thought once a bank terminate relationship with a customer, the customers money should be refunded within 24 hrs. As of today XX/XX/XXXX, I have not received any check from Chase bank. On XX/XX/XXXX, I went Chase Bank in XXXX XXXX and spoke to the XXXX XXXX XXXX. I informed him that all my accounts had been closed, and was not able to withdraw money, and buy basic necessities. I was never informed by the XXXX ( XXXX branch, XXXX, IL. ) exactly when I would receive all my money. The XXXX XXXX, helped me withdraw money from my account. He stated to me it was not clear why the XXXX closed my accounts and that someone would reach out to me in the course of the week. I did receive the checks from the following accounts. Savings, business, XXXX XXXX XXXX but I have not received my check from my checking accounts. On XX/XX/XXXX I did receive a check of {$6000.00} from XXXX XXXX and the check was for my short term XXXX. The check was cleared on XX/XX/XXXX and even used part of the money to pay my bills. XX/XX/XXXX I had not received my refund money from the checking account. When I inquired the reason why I had not received the check or refund. I was informed that the Chase bank was still validating if the check was genuine. I was confused as to why they had to validate the check even though it had been cleared. On XX/XX/XXXX went to Chase Bank on XXXX XXXX in XXXX XXXX to find out what happened with the money refund on my checking account. The XXXX ( XXXX XXXX ) called the responsible office and the answer was they were still validating the check. I had a letter from XXXX XXXX which I did give to the XXXX as a proof. The office did assure the XXXX that they will send the check in 10 business days. On XX/XX/XXXX had a meeting with XXXX regarding my retirement accounts. XXXX was very helpful and explained the entire procedures of moving the retirement account to a different financial company. On that same day, I did see the XXXX of Chase on XXXX XXXX in XXXX XXXX. The XXXX was very helpful and supportive. The XXXX on XXXX XXXX is very professional and leads by example. Several times I went to the bank but did not know he was the XXXX. He is very professional and treats customers with respect and dignity. I did talk to him and informed him that I had not received my money from my checking account. As of today XX/XX/XXXX, I have not received my money and nobody from chase Bank has reached out to me. I did send letters to management team in XXXX but I did not receive any communication from them. Based on everything that happened, there is evidence of racism. I was unfairly treated because I am XXXX and of different national origin. Chase has already made the decision to close all my accounts and hold on to my money without any justification. I have moved on and do not want to bank with Chase. I would just like to say that I have taken this issue with Chase Bank in strides. I will inform friends and family of this incidence and how customers are treated so they avoid banking with Chase. All I would like is to be given all my funds so I can invest in another bank. If serving your customers properly is not a priority then something is wrong with your banks culture. There are other reputable banks out there that I can use. I look forward to your prompt reply and a resolution to receiving my money back in a timely manner. Sincerely XXXX XXXX XXXX Ac/No XXXX CC XXXX Chase XXXX XXXX XXXX XXXX, IL. XXXX XXXX JPMorgan Chase Bank, N.A CC Bank Bureau Investigation unit | ||||||
| 06/10/2020 | Yes |
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| I received a letter from Chase Mortgage ( Executive Director XXXX XXXX ) regarding my mortgage being transferred to a Fraud for Profit/ Rogue mortgage company ( XXXX XXXX ) that was a collection agency at one point. I e-mailed Chase twice and talked by phone with my Case Manager and the Escalation Dept. representative more than twice ( Escalation Dept. POC - XXXX XXXX ) regarding the rogue company and my disdain for being transferred to a company with over 362 complaints with the XXXX and several hundred complaints on other sites. Chase provided me with an incorrect escrow statement, and they would not send me the updated paperwork with the correct figures. My mortgage payment was increased significantly given this error, and given the issues that XXXX XXXX intentionally creates for their customers, I wanted to everything corrected in writing before being transferred, and I wanted to have the opportunity to see the corrections, but I was refused. I contacted my Homeowner 's insurance company to decrease my homeowner 's insurance as well, given their automatic increase ( that I didn't need ) increased my mortgage payment as well. I had said information ( updated homeowner 's insurance payment of {$1200.00} ) faxed to my Case Manager ( I have to locate her name and contact information ) so that said information could be sent to XXXX XXXX when everything else was transferred. However, the communication from Chase was not very helpful regarding. Said mortgage was transferred on XX/XX/2020 by Chase Home XXXX. I didn't see anything in my contract to authorize a transfer especially to a company that has hundreds and hundreds of complaints regarding illegal practices, to include fraudulent behavior and actions towards their customers that include illegal escrow activity, stealing money, not applying payments correctly, increased/erroneous fees, fraud for profit, which violate RESPA & other regulations. I contacted Chase more than twice to ask if they would transfer my loan to a reputable, fair company, and I received no answer to my online inquiry that I could see. I was told via phone by XXXX XXXX ( Chase Escalation Dept. Representative, phone # XXXX, ext. XXXX ) that Chase has the prerogative to transfer loans. ( I recorded the conversation with XXXX XXXX if you need a copy of said conversation, which references the escrow analysis and the new payment information ) I referenced that it is against RESPA to transfer loans to rogue, fraud for profit companies like XXXX XXXX XXXX. Additionally, Chase ( per XXXX XXXX in the Chase Escalation Dept. ) provided me with an incorrect escrow analysis, which increased my mortgage payment from {$1900.00} to {$2100.00}. The added an additional school tax of {$1400.00} ( which was supposed to only be an estimate as referenced in the analysis ), but it was added in erroneously and my mortgage payment increased to {$2100.00}. Chase ( XXXX XXXX XXXX stated that the escrow analysis would be corrected since it was Chases fault and sent to XXXX XXXX. My new payment, per XXXX XXXX in the Escalation Department, should be {$2000.00} ( escrow balance being {$1200.00} instead of {$1900.00} ). The correction was never made by Chase, and XXXX doesnt have, but needs that information to correct my mortgage payment. My homeowners insurance also increased from {$1400.00}, but was decreased ( per my request ) to {$1200.00} in XXXX and the information was sent to Chase. Said homeowners insurance also affects my mortgage payment amount. Said information was not sent to XXXX, and Chase needs to forward said information and ensure that someone actually receives it because XXXX has a habit of rogue activity. XXXX is a debt collector, per their recording, turned mortgage servicer. They are also a predatory lender and a fraud for profit organization. I need for Chase to correct my escrow analysis as promised and send the corrected information to the new servicer ASAP. My actual preference is to be transferred to a reputable servicer. After speaking with Chases Executive Office ( XXXX XXXX, ext. XXXX ), I was not heard at all. My complaint fell on deaf ears, and the individual argued with me instead of attempting to assist me with my concerns. She quoted the normal law of, mortgage servicers have a right to transfer loans, and I communicated that my loan should not have been transferred to a rogue, fraud for profit company like it was. The FBI lists such companies as companies they heavily investigate and shut down. Why Chase does business with such companies that are actually predatory lenders, is puzzling, placing their loyal customers in jeopardy of losing their homes. I contacted XXXX twice. The first time I couldnt get through to anyone, and the second time I called with a Chase representative by the name of Ms. XXXX ( she was very helpful and soon understood that XXXX, per the phone conversation, was the worst ( per her statement ) even though I was in the beginning stages of working with them, which helps to solidify the numerous complaints that I have read about XXXX on the XXXX website and numerous other reputable sites ) and we stayed on hold for 45 minutes before being assisted. We were able to speak to a supervisor to explain the escrow issue made by Chase, and she stated that the mortgage payment amount that they have on file for my loan is {$2100.00}. She also stated that she would honor the forbearance that I was placed on my Chase through XXXX, and that my mortgage payments would be due starting in XXXX. However, she stated that she never received the forbearance paperwork from Chase so those documents need to be sent to XXXX by Chase ASAP. The conversation continued with the Supervisor at XXXX, and then she hung up on us or was disconnected, and she never called me back. This is another complaint referenced by others online and through the XXXX. XXXX seems helpful at first, and then there is nothing. I want this issue to be escalated to XXXX Executive Office as well to ensure that the servicing of my loan stays within the law, remains as it was with Chase without the padding of my escrow, and remains without fraud for profit or predatory activity. I have attached some of the complaints that I have found against XXXX XXXX, and most of the complaints are the same, fraud for profit and scam related activity. Some of the complaints were found at : https : XXXX. There are hundreds of complaints regarding XXXX XXXX on other sites as well. Very unusual! I know that companies get complaints, but XXXX XXXX has illegal related complaints. They are acting unlawfully and getting away with it. This activity needs to be properly addressed, stopped and it looks like they need to be shut down. Please help me, as I have a USDA loan, I am a XXXX XXXX XXXX veteran on medical leave without pay, and a single mother with XXXX college students. I need to have my mortgage transferred back to Chase or to a reputable company. XXXX XXXX XXXX, has a long history of bad customer service, stealing money from consumers by not signing or processing insurance check payments for home repairs due to damage, not applying payments properly, erroneous fees, rogue escrow activity that includes increased fees for no reason, being dishonest in their efforts when responding to complaints or consumers, not applying payments properly and then charging customers additional fees for mistakes that they, themselves ( XXXX XXXX ) made intentionally, replying to customers w/ mostly untrue replies and said replies didnt address the customer concern ( s ). I have a USDA loan. I have contacted the MD Attorney General, the USDA, the FBI and etc ... Please help me! I was placed on a forbearance with Chase prior to XX/XX/2020 due to COVID-19 and my being on medical leave without pay. The forbearance goes through XX/XX/2020. Chase Loan Number : XXXX XXXX Loan Number : XXXX | ||||||
| 01/06/2023 | Yes |
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| This email is in reference to Trip ID XXXX. Unfortunately, I had one of the most unpleasant experiences I have ever had with Chases customer service team. I am owed a full refund of XXXX points and {$1500.00} by credit because Chase agents lied to me in saying that, when they canceled my flight, it would be fully refundable. I would never have authorized a cancelation if it were not fully refundable. The summary and timeline are below. Attached, you can find the proof that I was supposed to receive a full refund from Chase due to the cancelation of my flight. There are a total of 5 attachments. Summary Unfortunately, I have been lied to by Chase. I was told I would receive a full refund when I requested a cancellation of the flight so that I could rebook the flight. This is the only reason why I authorized the cancelation. I never would have canceled the flight if I were not given a full refund. I have been thrown around multiple phone calls lasting 5+ hours. Everybody except XXXX has forced me to restate everything that happened with them, and then declined my understanding of events. They have told me that what I was saying was not possible, even when I provided them with proof ( documentation indicating that XXXX noted on my file canceled per the AL, still within void window for them and refunding ). It was to the point where I was crying over the phone. I am now in a position where I can not trust that I will receive my refund due to the lack of communication on your team, the lack of good note and record keeping, and the fact that I have been lied to by multiple representatives. I was told I would receive a full refund when I canceled the flight. I have not received it. We eventually went ahead and booked our new flights outside of Chases portal, without yet receiving a refund from Chase. Our new flights were {$300.00} more expensive per passenger than yesterday, so we ended up paying {$600.00} more than we wanted to, because of Chases deceit, miscommunications, and horrible customer service. I am here emailing you today because I have never been so disappointed and hurt by the handling of an issue and will be reporting this issue to the Consumer Financial Protection Bureau. I would greatly appreciate that I receive my refund plus compensation for all that I had to deal with ASAP. I would also like to note, for fun, that these flights are for my wedding. XXXX XXXX XXXX, I tried to access Chases portal to cancel my flight within the 24hour cancellation period ( on XX/XX/XXXX ) but for some reason, could not. I only realized this cancellation did not go through when I received an email from Chase XXXX indicating that my " flight schedule has changed on XXXX XXXX XXXX XXXX XXXX Second, I called Chase at XXXX after receiving the email asking whether my cancellation went through. I indicated that I need to cancel this flight for a full refund because I need to rebook the flight to arrive in XXXX on a different day and depart from XXXX ( my current flight arrived in XXXX and departed from XXXX ). The lady on the phone put me on hold to speak with XXXX and came back to me and confirmed that the refund was possible. She just needed to forward me to an internal specialist to handle the matter on their end since there was an error on Chases system that would not allow the cancellation and refund to go through. However, I had a meeting beginning at XXXX so I asked her if I could call back. She said yes, just make sure you request an internal specialist. She noted that my file was updated with all of the notes. The call lasted 24 minutes. I then called Chase back at XXXX after my meeting. I went through the same strokes because, apparently, the lady was not appraised of any notes on my file. Finally, though, she transferred me to an internal specialist. I noted that I spoke with a lady before who spoke to XXXX and got me a full refund for the flight so I can rebook. I was assured by the internal specialist, XXXX XXXX, that this is possible and the flight would be fully refundable. XXXX knew, like the other two ladies I spoke to, that I intended to rebook this flight and that I would not cancel it if I could not receive a full refund. However, when he said the cancellation was complete, I noticed that none of my points were immediately transferred, and he told me that the refund would take 1-2 billing cycles. This was unacceptable for me because my points were worth {$1800.00} for travel and I wanted to use them again on this flight. Additionally, flights were going to get more expensive and I did not want to lose the flights I saw in front of me. I expressed my concern about this and XXXX told me theres nothing he could do at this point but that there is an error in the system, the points could refresh by end of day, that he gets off at XXXX XXXX, and he will check back in with me to make sure the points are transferred. He also told me he filed a complaint with the accounting department to get this refunded. The call lasted 54 minutes. I did not receive any call from XXXX by end of day. I called Chase again at XXXX and nobody was appraised of anything that just happened. In fact, they told me that the cancellation is nonrefundable and that I was not to be issued a refund at all. I spent 1 hour and 42 minutes on the phone and nobody was aware of any notes on my file or any refund. I notified them that I have XXXX emails, but they would not even accept that. It took nearly 1 hour just to get Chases employees to accept the idea of reviewing the email documentation I had from XXXX XXXXy. After no avail, I called again at XXXX This phone call lasted 1 hour and 32 minutes. The same thing as above happened. No record of refund, no record of cancellation, but once the lady finally opened up to the idea of viewing my documentation from XXXX, she confirmed that this is true. She confirmed the flight was canceled and Im to be issued a full refund. The next step, for her, was to call XXXX and arrange the refund immediately, but when she tried calling, XXXX was closed because it was past XXXX She advised me to call back in the morning so that the next specialist can call XXXX. I requested proof from her that these notes are on my file and she sent me that documentation. It is attached. She then hung up on me. I called Chase today, XXXX XXXX XXXX XXXX This call lasted 1 hour and 34 minutes. The same thing happened where nobody knew about any refund Im owed. I went through all the same strokes again. This time, absolutely nobody would budge. They only told me that the system says it was canceled outside the void window and is thus non-refundable. They did inform me that I could change the flight, however, so I agreed because that is ultimately what I wanted. I had the flight in front of me that I wanted, which totaled {$1600.00} per person. This was {$300.00} more expensive per person than it was yesterday. Nonetheless, I was okay with it. The agent said that he could not see this flight and that the flights for new bookings are not the same as change flights, so I would have to pay at least a {$400.00} fee. This was a non-starter for me. I called XXXX afterwards and they said theres nothing they can do on their part ( even changing the flight ) because the flight tickets had not been issued by Chase and they have not received any payment from Chase. At XXXX XXXX called me. The phone called lasted 11 minutes. He reassured me that the flight is fully refundable, but that it takes 1-2 billing cycles. He confirmed that there are a lot of misunderstandings and miscommunications in their department. I asked him for a guarantee and he said he could not provide that, but that he would keep checking in with me. He will be working with his accounting department to get this figured out. All of the call recordings are there to verify this. | ||||||
| 08/10/2020 | Yes |
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| Fruad Issues Through the entire process from begining to end I was not properlly explained to me what was and was not being done. I went through the majority of the process to find out that I was not going to get the funds that were fruandulently taken out of my savings account and that JPMorgan Chase & Co. customer support thought I had known about this. The reason I was not recieving my funds was because of the 60 day liability. They recommended that I contact XXXX which was not easy. XXXX and JPMorgan Chase & Co. pointed the finger at each other stating that each company could not do anyhting for me and that I would have to contact the other company to get this taken care of. When I started reporting the fruad to JPMorgan Chase & Co. it was not clear to me what occured with my savings account information. It was difficult working with support since it wasnt clear to them either what was occuring. It took several calls to determine what had actually happened and that I should change my username and password. Since I was provided limited information I could not determine what had really happened. After several calls I was able to determine that either my account was improperly accessed by someonelse or that my information was stolen in one of the many breachs JPMorgan Chase & Co. had suffered. The customer of JPMorgan Chase & Co. are actually suffering. So far my username and password have been changed incase someone was using my login. I have never made ACH Debit tranactions from my savings account becuase its a savings account. I had no way of securing savings account at the time unless I was in person at a branch which were all closed because of COVID-19. Also there is no way to stop and ACH Debit from coming out of a savings account unless you close the account. At this point I had to keep the account open and create a fraud claim with JPMorgan Chase & Co.. At the begining of my fruad claim with JPMorgan Chase & Co. was not an easy expiernce. I made a claim but was unable to fill out the correct phsyical documents to retrieve the funds since they could only be physically mailed or faxed. I was told the documents would be mailed to me. I had to call two times to inquire about documents. I never recieved the documents. After waiting several weeks for the documents a branch in my area finally opened. I was able to finally submit the docuemnts with the help of a manager in person. The manager acted like I would get this taken care of without an issue. I waited several weeks to get a response for the claim I had submited with JPMorgan Chase & Co.. I never heard from anyone at JPMorgan Chase & Co.. I called to find out that I was not getting my funds becuase of 60 day liability and that they were only able to give me the funds from XX/XX/XXXX and not the recent transactions in XXXX which did not make any sense. They said that they could not retrieve the funds. I was persitent in calling attempting to get more information. I was told to contact XXXX with and that was it. I did not have any luck with XXXX. I made several calls JPMorgan Chase & Co. to try to get assiantance. Most of the calls were surprisingly negative. One call to the JPMorgan Chase & Co. claims department that I remember significantly was when the resprasentive told me to threaten XXXX with a XXXX XXXX XXXX complaint so they would help me. Another call with the claims depatmnet I was explaining that I had banked with JPMorgan Chase & Co. since my mother had opened the account and I recieved snicker from the person I was talking to. I then had to explain that my mother opened this account when I was a kid and that I have been with them for more than 20 years. Another call was with a manager where I was asking about my funds being retrieved and that they stated that they could not be retrieved. I asked if they even attempted and they responded that they did not even attempt to get my funds. Before this point everyone was telling they could not be retrieved. I was lied to by JPMorgan Chase & Co. by them stating that they were unable to retrieve my funds when in fact after several calls that there was no attempt to retrieve my funds. I made another call to JPMorgan Chase & Co. to inquire about my claim and to gather information about the XXXX transactions so I can make attempt to report the fruad to XXXX. I found out that JPMorgan Chase & Co. was attempting to retrieve my funds by doing a bank to bank reversal with XXXX XXXX XXXX ( XXXX banks ). I was told at this point to not get the transaction ID 's related to the fraudulent charges for XXXX. I made another call to follow to find out that they were unable to get a hold of anyone at XXXX XXXX XXXX so they had to fax a document to them. after another two weeks I called to follow up and found that only the money from XXXX was able to be retrieved and that they did not attempt to get the funds from the XXXX transactions. During this call it was frustrating to hear that they wasted valuable time. At this point I got angry and the women kept appoligizing which added insult to injury since she was not helping at all. I asked for the transaction ID 's and she said I would have to work with customer support which I knew wasnt true. I ended up talking to the guy and telling him what was happening and he was able to transfer me back to claims. I recieved the transaction informationa and after several attemps was able to chat with XXXX about the information and that it was the wrong transaction ID 's. I had to call JPMorgan Chase & Co. again to try and get the correct transaction ID 's. After finally getting the information was able to try to resolve the issue with XXXX. Since XXXX I had several chat sessions with XXXX. I was finally able to get through to somone that was not just going to ignore my inquiry. I recieved a call from XXXX yesterday on sunday XX/XX/XXXX about the transactions. After working with XXXX to get this resolved I found that they would not give me the funds becuase it was past the 60 day liability. Since I was told not to contact XXXX I missed my window of disputing the transactions and that JPMorgan Chase & Co. would need to contact XXXX to dispute them since it was past the 60 day liability. I called JPMorgan Chase & Co. today XX/XX/XXXX to see if that it was true that they could contact XXXX to dispute the charges and they said that it was not true. I aslo asked if they could assist since they told me not to contact XXXX and caused me to lose out on an getting my funds back. I was told that I have to persue XXXX or through other means. Rough Timeline Transaction : XX/XX/XXXX around {$25.00} dollar ACH Debit transaction was done using XXXX as a guest checkout with my saving account information. XX/XX/XXXX around {$1000.00} in total ACH Debit transactions was done using XXXX as a guest checkout with my saving account information. Rough Phone Call Timeline : XX/XX/XXXX - First call to JPMorgan Chase & Co . XX/XX/XXXX - JPMorgan Chase & Co . XX/XX/XXXX - JPMorgan Chase & Co . XX/XX/XXXX - JPMorgan Chase & Co . XX/XX/XXXX - XXXX XX/XX/XXXX XXXX JPMorgan Chase & Co . In Person at a Branch Timeline : XX/XX/XXXX XXXX XXXX - Branch Manager, Vice president Address : XXXX XXXX XXXXXXXX, XXXX XXXX, MI XXXX Phone Number : XXXX XXXX XXXX Email : XXXX XXXX Chat Timeline : Multiple chats from XXXX to XXXX most of the replies say that there are no recent charges on your account or that in general they can not assist me. JPMorgan Chase & Co. : Claims number : XXXX XXXX XXXX XXXX Claims ID:XXXX XX/XX/XXXX XXXX TRANSFER XXXX WEB ID : XXXX ACH debit {$95.00} XXXX XXXX XXXX Transaction ID # 1 - Wrong Transaction ID XXXX XXXX XXXX Transaction ID # 2 XX/XX/XXXX XXXX TRANSFER XXXX WEB ID : XXXX ACH debit {$980.00} XXXX XXXX XXXX Transaction ID # 1 - Wrong Transaction ID XXXX XXXX XXXX Transaction ID # 2 | ||||||
| 12/21/2021 | Yes |
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| I did research for about 2 months prior to applying for a business credit card with Chase bank. In which time, I did independent research online, cold called their customer service representatives, as well as did case studies from individuals who banked with or tried to bank with them as well. I am a personal and business account holder. I've also held a substantial amount of personal credit with them for over 5+ years now. In researching how/when exactly they report customer information to the credit bureau , I had to call and get specific information from their banking an card services department. I placed over 50 calls between XXXX to XX/XX/2021, to ensure I got the correct information I needed. On most all of the calls I was given wrong information from confidently uninformed employees who seemed to not have been trained properly. Vital information that needed 100 % correct information, due to the financial planning and I had to put in place after a XXXX XXXX accident has me on the receiving end of over $ 150k in medical bills. I asked to speak to supervisors and for the most part received flack from employees not wanting to escalate the calls. At times I was told I was being transferred and some employees left me on hold for 30 minutes to an hour at a time until I eventually just hung up and called back. Others hung up on me, and some calls I was able to speak to a supervisor. There were entry level customer service operators who were unaware of the standard, but specific credit needs I asked about. I then started asking to speak to supervisors so that I could speak with people who should for sure be giving me accurate information. I called at least 3-7 times per question and got tons of different information on the same issues. Some were correct, some were incorrect, so I kept calling until I could get at least 3 consistent answers. For a short period of time, my business mail was being sent to my home address. After establishing a physical office, all mail was then permanently forwarded to my office ( the physical business location ). Sometime between XXXX 2021, I received an offer in the mail inviting me to apply for a Chase Ink Business card. Confused as to why the bank would be sending anything to my home address, I called the bank to establish the validity of the correspondence. They confirmed that it was a legitimate offer and verified it in their system. However, they could not verify why it was sent to my home after the address had been changed for months and my home address was no longer in their system. Some time after that, I started receiving calls, XXXX, and emails from a man impersonating a Chase business banker, proposing the exact offer that I received in the mail. He made calls to my personal phone number which isn't listed on any of my Chase contact information, had my email, and address. As a XXXX woman, this is terrifying. I've brought the matter up with Chase, yet there's been no research or resolution to it. My brand new credit card information has also been compromised as a result of their negligence, yet they will not account for it and/or resolve the issue. After validating that the offer was real, I decided to establish my business credit with them. I have personal credit with them and figured it would be a perfect time to establish a business line as well. I spoke to a supervisor because I had questions regarding the offer letter. They have a few cards in the Chase Ink family and the card they offered me didn't serve my financial needs. I asked the supervisor SPECIFICALLY, can I apply for the card I actually needed, instead of the card on the offer letter. He advised me that they were very strict with that specific line of cards, and that it would be best to apply for the one I was pre-selected for and then have them convert it before issuing it. He stated that because the card was in the same family, it would not be an issue with changing the specific card type. This however, was not the case. After going through a terrible application process that I have detailed in the attached letter, the lending department with Chase said they would not convert the card I currently have for one year. I specifically asked the supervisor about another card that did not have yearly fee, yielded more rewards, and offered a balance transfer. It was extremely important that I receive the card that I wanted because I was injured while working and needed to transfer emergency business expenses off of my personal credit. Due to the misinformation given by a supervisor, on recorded lines, the credit department refused change the card. The card on the invitation that I was approved for also came with a yearly fee that's already been assessed. I have not been able to transfer the balance and have been accruing interest daily for over a month now. I contacted the executive office as soon as the card was approved and opened a case. The case was assigned and I let them know that it was an urgent matter and needed to speak to a case worker pithing 24-48 hours of the claim being assigned.They did not tell me when someone would call, so when she did, I missed the call. I called her back exactly XXXX minutes after she left me a voicemail, multiple times, and never received a response from her. I asked to speak with her superior after contacting her over 12 times. All the representatives would say was that she was online, but wasn't responding. Once I was able to speak her supervisor, he asked for a lot of information, said they were reviewing calls, and then contacted me again for more information. He said he would get back to me and never did. He was out of the office for 10 days and no one could provide an explanation as to what was going on. During the time he was gone, the original case worker never contacted me, closed the claim prematurely, and called back a month exactly from her initial phone call. I called her right back and never got a response ( again ). The voicemail she left was full of incorrect information that was never fact-checked or cross-referenced with the issues I presented. She never had one conversation with me, nothing. I spoke to her supervisor once he returned and he didn't sound helpful this time around. He said they found " a lot of calls '' and " not all of them were reviewed, but nothing matched what I told them. '' Basically admitting on more recorded lines that they did not fully research my claim. He also said that they were closing the claim and would not be reviewing anymore calls unless I personally did the research myself and sent them the supporting evidence pointing them directly to the issues that I presented. I had to pull every single call log from my personal/business phone bill and submit to them the information directly in order for them to reopen the case. Meaning they are requiring me to do the job they are specifically paid to do, but refused. Had I not have gotten so much wrong information, I wouldnt have called so many times. The call with the supervisor who gave me the wrong information before applying for the card was never located, nor was he held accountable, and I would not be escalating the matter this far if I wasn't being truthful about what I was told. Because of the unprofessionalism and misinformation on multiple levels with this institution, I am in fear of being further mishandled at the expense of further financial burdens. I am an extremely long-time customer with this bank and I have never received such poor service from them in my life. The one little bit of incorrect information from a person on a recorded line claiming to be a supervisor is causing huge amounts of personal and financial stress. I am formally requesting the CFPB to intervene on my behalf and assist with seeing to it that Chase bank complies with the information that their employee gave me. | ||||||
| 03/25/2023 | Yes |
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Web | Servicemember |
| To whom this may concern, I, XXXX XXXX XXXX, hereby that this statement is true to the best of my knowledge. On XX/XX/2023, I received a text message at XXXX from XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) asking if I attempted a XXXX transaction in the amount of {$3500.00} and to respond yes or no. I responded no and was told thanks for the confirmation and one of our representatives will be contacting you shortly. I received a phone call from XXXX XXXX customer service department ( XXXX ) shortly after XXXX. The caller introduced themselves as a XXXX XXXX representative and said their name is XXXX XXXX. I was asked to confirm my first and last name, verify the amount in my checking and savings account for confirmation. I was then asked about the XXXX transaction and two wire transactions from my savings account in the amount of {$9000.00} and {$8500.00}. I explained that Ive never done a wire transaction and was asked if I was traveling because the two pending transactions from my savings account were showing an IP Address in XXXX Georgia. I logged into my account and told them I didnt see anything pending. I was told I wouldnt be able to see it on my end yet and could revert it back to myself before it started reflecting on my end. He then proceeded to walk me through a XXXX XXXX process on how to reverse that payment. He told me to go to my savings and make a wire transaction to myself in the amount of {$9000.00} and {$8500.00}. Told me this was a Manual Reversal. Told me to put my number in and myself ( XXXX XXXX ) as the recipient and label it as a Manual Reversal. I asked if I should use my account number when sending and he said not to use my account number because whoever was trying to get the money could possibly see my account and try to intercept. He gave me a number to enter and said it would show XXXX XXXX that the transaction is unauthorized and that Im trying to recall it to myself. The number he gave me wasnt as long as my account number with XXXX XXXX, so I didnt believe it was an account number. I later learned that the number was an account number to a JP Morgan Chase account. The account number he provided me with is XXXX and the routing number is XXXX. The account is still active at Chase and Chase is aware of the situation. He ( XXXX XXXX XXXX explained how I would receive a code via text message. I provided them with the code and was told that I would have to confirm the reversal. After doing so I explained that I could now see those two pending transactions leaving my account and was told I was suppose to see that and the money would be reimbursed to my account within 24-48hrs. Told me if I needed money to go inside of a branch. I started recording the conversation because I felt it could be a scam. XXXX asked if I would like to law enforcement involved and told me to file a police report. XXXX asked if I had to use my account any that day and informed me not to do any online ordering and to not use my debit card at any stores or outside gas pumps because it could interfere with the payment process being reversed. XXXX then said he would call me back with more details about this case & provide the case number. Told me he was my case manager and asked when would be a good time to call me back and that I would not need to call them because XXXX XXXX would call me once everything was handled. I questioned the call and he read out my email, the number he was calling from, his name and employee ID number ( XXXX ) to verify who he was. We talked for a total of XXXX. After ending the call, I immediately called that same XXXX XXXX number back, went through the automated system, spoke with a representative about the situation and was informed that I was indeed scammed. At this point, while on the phone with the real XXXX XXXX representative, I received two more calls from the same XXXX XXXX number that I was currently on the phone with. After not answering, I received two private calls. After not answering that, I received a text message asking the same question about a XXXX transaction but this time from a different number ( XXXX ). Later that night at XXXX, I received a call from ( XXXX ) which is a XXXX XXXX XXXXXXXX number. I feel as if this was the same scammer calling me back. The scammers continued to call up until the next morning XX/XX/2023. That afternoon, I went to the XXXXXXXX XXXX Department, XXXX XXXX and from there was told to contact XXXX XXXX XXXX Department to file a report. I called and requested for a deputy to come out to my home. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX took my report. From there, XXXX XXXX XXXX was assigned to my case. Ive reached out to Chase and XXXX XXXX plenty of times throughout this process and have been passed around from person to person. When questioning their shady behavior with me, I mentioned to one banker that Im starting to feel like its an inside job. He was sure to inform me that XXXX XXXX had plenty of money and they did not need mine. I informed him that I would close my account because I didnt feel protected and didnt feel as if I was a valued customer. XXXX XXXX has gave me different answer, three different time for the same issue. I was told there wasnt any money to return. Ive been told that Chase cant get in touch with the account holder to give permission to send the money back and Ive been told that XXXX XXXX is reaching out to Chase but Chase isnt replying. XX/XX/2023, I received another text message from ( XXXX ) asking the same XXXX question except this time, the scammer asked if I attempted to make a {$3500.00} transaction to a Chase Bank recipient and to reply yes or no. After seeing that, I went to my old messages and saw where a Chase bank recipient was mentioned in the second message I got on XX/XX/2023. I did not reply. I called XXXX XXXX and alerted them about the message I received and provided them with the number which the message came from. I was told by a XXXX XXXX representative that it might be best if I spoke with Chase. I went to Chase in XXXX NC and spoke with them face to face, myself. I spoke with a banker by the name of XXXX and her branch manager, XXXX. XXXX explained to me how their poly in place explains how if the account holders name and the recipients name are different, the funds would be rejected and returned from the account in which it was being sent from. She also confirmed that I ( XXXX XXXX ) was not the account holder but I was the recipient for those funds. I explained to her that I never received those funds but I did lose them. She couldnt give me any information on the account being that Im not the account holder but she did try to help as much as she was allowed. XXXX called their fraud department and we spoke with someone named XXXX. XXXX called someone by the name of XXXX and spoked with her privately. Said we couldnt talk to her. Once he returned, he informed me that I need to have XXXX XXXX call JP Morgan Chase so the banks could work with each other on returning those funds. The latest update I have from XXXX XXXX is on XX/XX/2023. I went inside the XXXX branch and spoke with XXXX XXXX about re-opening my claims or opening a new one since mine was recently closed again. By the way, XXXX XXXX went above and beyond to try and help me with this situation for over an hour on the phone getting transferred from person to person. In the end, we were told that no matter how many claims I open, my results would end the same. With XXXX XXXX not returning the money. I was also told the day before by XXXX XXXX that if the money was sent from my card, Id be reimbursed but because it was a wire, its my responsibility although both ways of transactions are linked to the same account. My name as the recipient is different from the name on the account that my funds was illegally transferred to. | ||||||
| 07/01/2021 | Yes |
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| We ( XXXX as the borrower, XXXX as the Co-buyer on the purchase contract ) were approved to purchase a 2nd home in XX/XX/XXXX using 100 % gift funds for closing provided by XXXX. We had a house under contract and cancelled that contract. We were told the application is property specific so we had to start a new application. We re-applied and were re-approved to continue looking for a 2nd home using 100 % gift funds for closing for the second time. XX/XX/XXXX we finalized contracts on the 2nd property. The Loan Officer - XXXX XXXX - NMLS ID XXXX - confirmed on a recorded call with XXXX, myself and XXXX that no borrower contributions were required. XXXX read Chase guidelines for what was needed on gift funds and confirmed when specifically asked about borrower contribution that XXXX had done away with borrower contributions. XXXX also confirmed on e-mail that he did not know why that 5 % borrower contribution condition was on the loan when it showed up weeks after we submitted our documents. The condition would be removed from our tasks then reappear again days later. XXXX told us the condition showed up because we still needed {$17000.00} funds to close after the {$15000.00} earnest money was wired to title. This number doesnt even make sense. $ XXXX purchase price minus $ XXXX loan amount is $ XXXX ; minus $ XXXX earnest money is $ XXXX. At nearly XXXX on XX/XX/XXXX, XXXX tells us that 5 % was definitely required to be provided by XXXX. This is after the realtors confirmed with Chase that we are approved as the finance contingency was now expired making the $ XXXX deposit non-refundable. XXXX had clearly known long before he called us because he had conversations with the underwriter and spoke to his manager after their meeting earlier that day but did not call us until almost XXXX our time and was also right before he was about the leave the office for the weekend. We questioned him about the earlier conversations and emails that said It was not needed - he stated, My bad, I guess I learned my lesson the hard way and that he is not familiar with XXXX homes. When asked what would happen with our $ XXXX deposit he stated that we would lose it but he could make a call to the realtor if we wanted him to. We asked XXXX about Chase paying us back because he made a mistake on the approval ; and he stated Chase would not and that he may end up with a slap on the wrist. He said 5 % from XXXX was needed because it was a XXXX home. This was the intent the entire process to buy a XXXX home but XXXX provided an approval based on 100 % gift funds which is not allowed on XXXX homes so we actuality never would have been approved on the structure we applied for and we are told after our deposit became non-refundable. He said his manager asked if we could switch to a primary residence because we can do primary residence at 100 % gift funds. We asked if that was even possible to switch. He said yes we can switch and he will talk to the underwriter. During this call - XXXX presented 2 other options - # 1 XXXX has 5 % of the assets but it is in the XXXX so we wanted to know if this is OK or if it had to be liquidated. # 2 was to provide a joint bank statement but XXXX said he did not think we had one but we do have a joint account. So, as XXXX and his manager XXXX suggested, they then switched our loan to primary home and if this was not allowed, we would resolve the condition with option # 2 or # 3 that XXXX presented. Switching to a primary residence was not a big deal to us because we planned to move there full time before summer of XXXX but we agreed we would fast forward our plans to move closer to family. XXXX had the VP of her department provide a letter confirming she can work remotely. We were told Monday XX/XX/XXXX that this was all approved as a primary residence. We had 2 outstanding conditions : funds to close of {$17000.00} and for a copy of the remote employee authorization letter which was sent over on XX/XX/XXXX. XXXX wired {$17000.00} to the title company the very next day after we received the approval as a primary residence, XX/XX/XXXX, from our joint account. So regardless of occupancy guidelines they choose to apply this satisfies the 5 % contribution from XXXX. XX/XX/XXXX 8 days before closing - there was a status on my account that I need to contact my Mortgage Banker. NOT one person contacted me! I called XXXX had no reasoning. I called XXXX ; he also had no answers. AGAIN, at XXXX on Thursday XXXX called with bad news telling me my loan was suspended. The file was flagged because of the occupancy change. He also says again that he was off Friday and Saturday. He stated that we could try and call someone else but gave no names or phone numbers for anyone! He keeps saying how 'terrible ' he feels for XXXX things up for offers no help or solutions for anything other than saying we should go after them and keep pursuing it. I am pretty sure if we changed occupancy to an investment property the file would not be questioned or required to provide any documents but when we provide all documents requested to purchase as a primary residence we are declined outright and Chase refuses to do the loan at all now. XX/XX/XXXX We are trying to reach out to all contacts. Multiple emails and voice mails were left with no response at all from XXXX manager - XXXX XXXX XXXX, XXXX ID XXXX, XXXX XXXX Team Manager. We finally get XXXX manager and spoke to XXXX XXXX, VP of Lending. XXXX took almost 3 hours to find out the loan is declined but otherwise was completely useless. The Title company is trying to prepare figures and XXXX does his best imitation of a broken record repeating saying we will get a letter in the mail but refuses to provide any information on why. He refuses to acknowledge the mistakes made by his employee - XXXX - that lead us to this point. He refuses to accept any responsibility for his team or acknowledge the fact that we have already invested in the ballpark of $ XXXX to buy a house Chase issued an approval for based on the wrong guidelines. This entire loan approval with Chase has been one big misrepresentation by XXXX from the beginning with the initial loan pre-approval. We made multiple trips paying for airline tickets, car rentals, hotel stays while we were looking for a property based on false pretenses because Chase gave us an erroneous approval but did not tell us the true story until after our ability to cancel the contract had passed which made our deposit non-refundable. We spent thousands of dollars on non-refundable deposits for new furniture, landscaping, a hot tub, antique decorations, and now a storage unit because we had an approval in hand and we satisfied all conditions. Chase provided an erroneous approval based on primary residence guidelines when from day 1 when indicated we were buying a XXXX home. When XXXX and his manager tried to cover his mistakes, he caused our file to be declined even though we meet all guidelines. Chase records the phone calls so everything stated here can easily be confirmed by reviewing their phone logs and emails. The escalation department ( XXXX XXXX & her mgr, XXXX XXXX ) has reviewed all the recorded calls and acknowledged the error is the fault of their loan officer XXXX XXXX over 2 weeks ago. They still have not provided us with any firm answers other than they will get back to us, people were on vacation, we need to have a meeting, or the file has to be reviewed. Days later we follow up and get pushed off again. Today more people are on vacation. Chase doesn't shut down when people go on vacation. All docs were provided all conditions and guidelines are satisfied so it does not take 2 weeks to issue a clear to close. We want this loan closed and we want reimbursement without further excuses or delays. | ||||||
| 08/24/2018 | Yes |
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Web | Older American |
| On or about XX/XX/XXXX I noticed significant unauthorized debit card activity on my Chase account. I contacted the company and reported the fraudulent transactions. The charges in question were all shown as purchases from various vendors located in XXXX. For the record, I have never been to XXXX. I was home in California during the entire time in question for all of the events. I never authorized any charge to any of these companies and never received any product or service from any of them. In fact, I have spent some time researching these " stores '' and I believe they do not even exist. They are simply a part of a large and elaborate ring of theives and phony credit card processors stealing from unknowing victims, like me. As you will see from what happened Chase Bank doesn't care. They have no interest in helping or protecting their clients from this type of scam. The only interest or responsibility they assume is dictated by a calendar, NOT the interests of their clients. They should be ashamed. The Chase agent created a claim and said the bank would issue a credit for the stolen funds. When we reviewed the complaint together I noted there were several transactions we discussed not included. Rather than redo the entire claim the agent made an additional claim. These 2 claims totaled approximately {$7200.00}. I do not have access to the exact amounts and am unsure of the specific claim number. At the bottom of this information I will include the claim numbers, dates and amounts I do have. While waiting for the " executive '' customer service department to try to resolve this issue another part of the bank decided to close my account, so I no longer have any access to necessary information. The following day I noted another batch of fraudulent charges had posted to my account. Again, I called and reported the fraud and again I was promised a refund for the stolen money. I obtained a copy of previous months transactions and discovered there were more fraudulent transactions the previous month. I called and reported those transactions as well and again was promised a refund of the funds misappropriated. I checked my account and noted that bank had indeed posted credits to my account for the stolen funds. On XX/XX/XXXX I obtained copies of my bank records for the year XXXX. In reviewing the records I noted another similar pattern of fraudulent " XXXX '' transactions between XXXX and the end of XXXX. I called Chase to inquire about handling these transaction. The agent said that since the transactions occurred more than 60 days ago Chase " might '' not be able to help, but completed 2 claims for these transactions. A week or so later I received a notice my account was overdrawn. I immediately believed the thieves had come back. But, that was not the case. This time it was a new thief, Chase Bank. Without any received notice, no phone call, no text, no email, no secure message, nothing, they reversed most of the credits they had allowed for the money stolen from my account. Chase Bank left me without XXXX XXXX to my name, overdrew my account by over {$8000.00} and left me with no way to provide for myself. Over the next 3 days I spent more than 15 hours on the phone, most of it on hold, waiting for a supervisor to assist. I never got to speak to one. I was promised call backs within 24-48 hours, but never received a single call from anyone at the bank. Each time I would call I was told the charges in question did not require the Bank 's attention. As far as the bank was concerned all of the charges were correct, even if they were fraudulent. The bank used the dispute file in XXXX for the thefts that occurred in late XXXX as an excuse to deny the claims from XXXX, all of which were less than 60 days old. They effectively allowed {$4000.00} in claims in order to deny {$11000.00} in claims. The bank did not care that I did not have XXXX dollar to live on. I am XXXX and live on social security and a XXXX retirement. On the first on the moth the bank effectively seized my social security check and my XXXX pension that were on direct deposit to my account and applied them to the overdraft amount created by the bank 's actions. I was forced to borrow money at more than 35 % in order live. I wrote 2 letters to the bank and submitted a response on the bank 's secure messaging system asking to speak with a supervisor for help. I NEVER received a single, call, message, email or letter. The first communication I received from the bank was after 56 days when someone from the collections department called to ask " what are your plans? ". When I told the Chase agent I was planning on suing the bank he transferred me to the claims department to " see if they can help ''. The claims department transferred to to the escalation department. The escalation department transferred me to the " executive offices ''. Some one there took my information and promised a call back in 24 hours. This was on a Thursday. On Monday I received a call from " XXXX '' in the executive offices. We had several conversations. Ultimately, she told me she had exhausted all her resources and could not help me recover any of the money stolen from me. She said she was told the claims were more than 60 days form the first incident. I realize I should have noticed the transactions from last XXXX, but as I explained to XXXX that was a very difficult time for me. I am XXXX. I have XX/XX/XXXXXXXX XXXX and the medications I take sometimes make me exceptionally tires. My XXXX year old father had XXXX and was in failing health. I had effectively been living between his home and mine for the entire year providing him home health care. He was in and out of the hospital and rehab facilities for the entire summer, fall and winter. Along with my sister, I was his caregiver. Our finances were commingled. I just was not paying attention. I did " monitor '' my account, in that I often looked at my balance. If my account needed money I just added money. I am shocked by the amount of theft from that time, but not necessarily surprised I didn't notice. It wasn't nearly as important as caring for my Dad and myself. XXXX of XXXX was the first time I had spent more than 2 weeks in my own home in more than a year. My dad was back in the hospital and it was evident that he was unlikely to survive. This was when I finally sat down and took a look at his finances and my account and noticed the recent fraudulent charges first reported. Chase has no interest in the fact that these are 100 % fraudulent charges. These " companies '' do not exist. I have never ordered anything from them. They never provided me any goods or services. They have stolen my money, a fact Chase is aware of, yet does not care enough to anything to help me, or other past/future victims. Chase Bank is unwilling to help me, even though they must know these charges are pure theft. The internet is full of stories, nightmares, of other people reporting the same fraud and theft from similarly named XXXX Businesses ''. Businesses that don't really exist. I can not help myself. I have no information available to me to allow me to track down and recover my stolen money. I do not know what company processed these claims and if I did I have no authority to question them or request reversals. I have no account information or addresses or names of principals associated with the scam XXXX businesses. Chase does, yet they refuse to help. I asked them to contact the processor and request reversals. They refused. They refuse to one thing to help, when they are the ONLY resource I have available to help. These are the claim numbers I have available. I believe there are 2 missing : XXXX XX/XX/XXXX {$2300.00} XXXX XX/XX/XXXX {$3800.00} XXXX XX/XX/XXXX {$3200.00} XXXX XXXX {$3000.00} | ||||||
| 08/31/2022 | Yes |
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Web | Servicemember |
| In XXXX, I received an offer via U.S. mail from J.P. Morgan/Chase . The offer, addressed and targeted specifically to me by name, advertised a bonus of up to {$600.00} in exchange for opening and funding two new accounts -- {$300.00} for a new checking account, {$200.00} for a new savings account, and an additional {$100.00} for both. On XX/XX/XXXX, I signed up for both new accounts -- online, using the offer code and website provided on the postcard -- and was immediately approved for both. I received a confirmation e-mail, account information, and the accounts were both added to my existing Chase.com account. ( I have been a Chase credit card holder for many years, so Chase already had much of my personal information and credentials on file ). As instructed by the offer, I immediately set up payroll direct deposit to the checking account. I also transferred {$5.00} to each account to provide an initial balance, then proceeded to link and transfer funds from other external accounts to the savings account. Over the course of the following week, I transferred/committed {$500.00} to the checking account and {$15000.00} to the savings account. During this time, I received several additional congratulatory/celebratory communications from Chase. All of my transfers were completed/accepted, I received progress e-mails related to the bonus offer, and I even received a debit card in the mail. Everything appeared to be going smoothly until XX/XX/XXXX, when I logged on to my Chase account to pay my existing credit card balance and was instructed to call Chase, as my account had been locked for security reasons. I promptly called Chase and, after a lengthy hold time and transfer, was connected with XXXX in the Security and Fraud department. XXXX informed me that my checking account had been " restricted, '' as identity theft was suspected, and that it ( as well as the savings account ) would be closed. If I wanted to open a new account with Chase, I would have to enter a physical branch, present two forms of identification and my Social Security card. I explained to XXXX that the accounts were valid, that I had requested them both, and that I had funded both accounts, as well as initiating payroll direct deposit. XXXX explained that she was sorry for the inconvenience, but that " because I had opened the accounts online '' they were flagged as fraudulent. I was told again ( and several times after ) that if I wanted to open a new account, I needed to go to a physical branch to do so. I asked if I could use the Chase Secure Messaging service to provide photos of the requested documents -- No. Though I was able to confirm all of my personal information to speak with XXXX in the first place, and though I've held Chase credit card accounts for *years, * there was genuinely nothing I could to do preserve/keep these two accounts. My only option was to open two *new* accounts at a physical branch. I explained to XXXX that I had opened the accounts in response to a direct, targeted offer, and that I was only interested in the new accounts because of this additional offer. She apologized and noted that there was nothing she, or anyone else, could do to help. The offer-initiated accounts would be closed, so I would also not receive/qualify for the bonus offer, and I would not be eligible for the offer again ( since I would now be excluded as having opened an account in the previous year ). But if I still wanted to open accounts, I could enter a branch and present my identification to do so. With this, I confirmed to XXXX that it would not be convenient or possible for me to go to a physical branch, so I asked that the checking and savings accounts simply be closed and my funds returned to me ASAP. XXXX again apologized and said that she could not help me, here, either. I had XXXXwo options -- I could either go to a physical branch, open two new accounts, and then ask for my funds to be transferred to those accounts or I could wait for the flagged accounts to be closed, which could take a few days. Once the accounts were closed, I would be mailed a cashier 's check for the funds on my account, which could take between 10-14 business days. So, Chase has over {$15000.00} in my funds, funds that presented no security issue when I transferred them into the bank, but that I will have to wait for anywhere from 2-3 weeks for them to be returned *via mail. * In addition to losing the {$600.00} bonus I was offered and well on the way to earning, I am also forfeiting the interest that I was previously earning on this {$15000.00} before I initiated the transfer to Chase to earn the promised Chase bonuses, and I have no idea when I might have these funds returned to me ( not to mention the very genuine security issue of having a physical cashier 's check mailed to me, rather than having the funds electronically transferred to an alternate account ). While I certainly understand the value of security and fraud protection, I fail to understand several things. First, why did it take over a week -- during which time I was issued a debit card, allowed to make several transactions to fund the accounts, and spent significant time going through the verification and account setup process -- until Chase suspected fraud and closed my accounts. If the accounts were suspected to be fraudulent, this should have been flagged upon the initial application -- and certainly not well after debit cards had been issued and mailed to me. Second, why were the new accounts flagged to be *closed* -- coincidentally, as soon as I completed the final step ( other than waiting for 90 days ) to earn the {$600.00} offer -- as opposed to simply " locking '' the accounts and allowing me to keep them by providing reasonable proof of identity. Again, I had already gone through notable effort to open and set up direct deposit and transfers to these accounts. Third, why -- after a global pandemic that necessitated the need for online and remote banking transactions -- would a bank as large as Chase be incapable of verifying identity ( particularly for a longtime customer ) through any means other than physical identification cards presented in person in a physical branch ( not to mention that two forms of ID *and* a social security card* is excessive -- that's more identification that I was asked to present for my employment or my U.S. passport ) . Of course, most concerning is the lack of security or expediency in returning my funds to me. Having to wait up to 3 weeks for a paper cashier 's check to arrive in the mail is completely unacceptable for any balance, but certainly one as high as {$15000.00}. To add to the inconvenience, my entire Chase account is currently locked, which means I also do not have access to my credit cards or to an account notification letter Chase sent me this morning. When I asked XXXX how long my account would be restricted, she was unable to say. ( And confirmed that there was nothing she could do to remove this restriction, as it had been placed by the backend fraud department ). Understanding that XXXX was not responsible for any of the decisions, I did tell her that I found this to be an unacceptable business practice. She again explained that the catalyst for this was simply because I " had opened the accounts online, so it appeared to be identity theft. '' By this point, I think it was more than clear that there had been no identity theft involved, but there was nothing further that XXXX could do to resolve the problem. XXXX was also not able to explain what about my transactions had indicated " identity theft. '' The only answer I was given was that I had " opened the accounts online, '' something that hundreds of other Chase customers do without issue every day, I'm sure. | ||||||
| 08/18/2020 | Yes |
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| In XXXX of XXXX, I took out an auto loan to purchase a vehicle, from JPMCB Auto Finance. My identity was stolen around the same time that year, which has been reported to my local police department, all of my creditors, and credit reporting agencies. Because of the cost associated with handling the identity theft, I fell behind on auto loan payments. I contacted Chase in XXXX of XXXX to see if their hardship department would work with me. They disagreed, and my loan was defaulted on inXXXX, XXXX. In late XXXX/ early XXXX of XXXX, Chase repossessed the vehicle, without any written notice. The repossession agent never left any notice that the car was indeed repossessed. I called my local police department ( thinking it might have been stolen ), and they told me to try calling my bank, and one of the officers saw " a car being towed '' while in my neighborhood for another reason. I called Chase to see where the car was, as I had valuable and personal belongings in the car, and to ask why I never received anything in writing. They refused to speak to me, insisting that I would be sent a " Notice of Repossession '' in the mail. They then refused to give me the name and location of the repossession agent, and made it impossible to retrieve my personal belongings, all the information would be available in the letter they were sending to me. I eventually got the " Notice of Repossession '', which simply stated the date and time that the repossession occurred, and the delinquent balance of my auto loan. I called Chase again, as I needed to get my belongings from my vehicle. They finally provided me the address of where the car was, and gave me instructions on how I could retrieve my belongings. Theyinstructed me to bring the keys to the vehicle to surrender to therepo agent, or it would cost more for me to get the car back when I had that opportunity. I went to the location, prepared with an itemized list of my belongings to collect, and to deliver the keys to the car that I had in my possession. However, when I got there, the owner of the place denied me any access to my car or it's belongings. He wouldn't even agree to take the extra keys to the car. He said I was legally not allowed to be there, and that I would need a court order to collect my belongings. I knew this was not true, otherwise Chase wouldn't have instructed me to go there. The value of the items in the car were worth ~ {$1800.00}, {$700.00} of which was cash. Some other items included a pair of sunglasses, iPod, phone chargers, CD collections, etc ... There was also a video camera that had the only videos of my sister 's wedding, and my late fathers pocket watch, which had an incredible amount of sentimental value. Those are just some, not all, of the items I neversaw again. Not being able to retrieve them angered me, so I called an attorney to see what my options were. He said there was no point in making a scene at the repo agent, and suggested I call Chase again. At this point, Chase refused to speak with me over the phone anymore, and insisted that they would be communicating with me through certified mail. I spoke with the attorney further, and he explained to me that under New Jersey law, Chase had to send me a " Right to Redeem '' notice, giving me the opportunity to pay off the loan ( or bring it current ) and the repo charge within a certain period of time. He said that If they are planning a public sale, then they must state the scheduled date of the sale ; if a private sale, then they must give me at least 10 days notice. While waiting for this notice, I had finally gotten my identitytheft situation sorted out, which took a huge financialburden off of my back. In the first week of XX/XX/XXXX, my mother decided to gift me the money to buy back my repossessedvehicle from Chase. This would have allowed me to repurchase the vehicle without having to leverage bankruptcy towards Chase. I notified Chase of this through certified letters, and over the phone. I was told that I would have to wait for the " Right to Redeem '' notice in the mail.I waited and waited, still paying insurance on the vehicle throughout this entire process. I sent a letter everyweek to Chase, stating I wanted to make the loan current, repurchase the vehicle outright, and that I've yet to receivemy " Right to Redeem '' notice.Each timeI called, they said that I had to wait for the notice, and there was nothing they could do until then.I never got any letter from Chase. They never sent me a " Right to Redeem '' notice. The first letter I got from Chase after that, came in XX/XX/XXXX. The notice stated my balance due, after the sale of the car. Infuriated, I called the attorney who helped me before, when I was unable to retrieve my belongings from the vehicle. He had me call Chase, on a conference call. We were transferredto the escalation department, where we spoke to a supervisor, detailing the entire situation. He confirmed that the vehicle was sold in a private sale, and that a " Right to Redeem '' notice was NOT sent to me. He also confirmed the date of the sale, which was well before Chase gave me the repo agent 's information. Meaning, Chase had already sold my car when they sent me to the repo agent to collect my belongings from the car. That is why the repo agent denied me access. At this point, I threatened a lawsuit, because of not being able to retrieve my belongings from the vehicle, and not having the opportunity to pay off the loan. My attorney agreed that there was enough evidence to file a suit against Chase for their negligence in the matter. Because Chase acknowledged their wrong doings at so many instances, they agreed to forgive the remaining balance, and close the account as " Current ''. I wasn't happy about it, as I still wanted my personal belongings, and the chance to have my vehicle back. The value they sold it for was significantly less than the market value of the car, and it was illegal for them to not notify me that they were selling the car. However, my attorney reminded me that it would be virtually impossible to get my belongings back, let alone the car, and that this was a pretty generous offer from Chase. So we both agreed to accept the deal. To this day, Chase never honored this deal. I've hired other attorneys ( the original one I consulted with has since passed away ), credit repair agencies, etc.. and Chase has yet to do anything. They have been reporting this account as " Derogatory '', " Charged off as bad debt '', and " Profit and loss write-off ''. What's worse is that they have been reporting this debt with a balance of {$4300.00}, which was originally agreed to be forgiven. I've disputed this information with the three major credit reporting agencies, and Chase has not provided any documentation, only stating that the reported information is " correct ''. I've sent them certified letters, requesting proof of this debt, which have all gone unanswered. Even after disputes, credit bureaushave not included my statement when reporting this account. It'sunacceptable. What bothers me the most is after one dispute with XXXX, Chase added a remark saying " fixed rate '', with nothing else. This remark alone dropped my credit score by XXXX points, and it was triggered by a simple dispute. In summary, Chase can not provide evidence that they notified me of my " Right to Redeem ''. In fact, their records show that their own representatives confirmed I was never notified about the sale of the car. They have acknowledged this was illegal on their part, according to New Jersey law. They have been refusing to respond to direct disputes I've submitted personally, and through credit bureaus. Most importantly, they have not honored the deal made with them to drop a civil suit against them in the matter. | ||||||
| 08/15/2018 | Yes |
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Web | Servicemember |
| In XXXX I filed a complaint regarding obtaining the title of my XXXX XXXX XXXX ref # XXXX. This complaint was due to Chase not sending vehicle title after paying Chase the payoff of XXXX XXXX on XX/XX/XXXX. I have not been able to legally drive this vehicle since my lease was paid in full on XX/XX/XXXX. After Chase responded to complaint # XXXX, one of their staff contacted me to apologize for the delay. To my surprise, I was asked for an odometer reading to legally transfer title. This was contrary to their customer service person stating that the title had already been mailed. On XX/XX/XXXX, I received title documentation from Chase and an apology letter ( see attached ) The title document they sent was incomplete and not compliant to New Jersey State Law. Chase understands this process given I leased a vehicle through Chase in XX/XX/XXXX. Again, Chase 's negligence has created more delays and no response when I tried to contact them. On XX/XX/XXXX, I mailed the attached letter to XXXX XXXX XXXX, CEO, Chase to complain about Chase 's continued negligence. See text below. XX/XX/XXXX Mr. XXXX XXXX XXXX and Chief Executive Officer JP Morgan Chase XXXX XXXX XXXX XXXX XXXX, NY XXXX Ref : Acct : XXXX XXXX XXXX XXXX Complaint Dear Mr. XXXX, I have not been able to legally drive my XXXX XXXX XXXX for five months due to your organizations actions. Its not their fault. They just dont have a reliable process and leadership. I have contacted your organization many times since XX/XX/XXXX to understand how to disposition my XXXX XXXX XXXX at lease end. This took several calls. When I was finally able to get your organization to explain this simple task, I attempted to finance the lease buy-out from Chase but was denied despite never missing a car payment to Chase. After this denial, I then attempted to purchase the vehicle from Chase. In this attempt, your staff did not specify whether I had to pay by certified check or other financial vehicle. Your staff did not provide this information voluntarily. I had to discover this on my own. This information should have been included in Attachment 1, ( XX/XX/XXXX letter ) specifying requirements to obtain vehicle title. Note, also that Attachment 1 states that Chase will release title within 15 days after receipt of payment. Chase received my payment of {$19000.00} on XX/XX/XXXX. The following paragraphs describe a timeline of less than stellar customer experience. XX/XX/XXXX, at XXXX XXXX - I called Chase to confirm receipt of my certified check. USPS tracking confirmed XX/XX/XXXX, XXXX XXXX delivery. Your agent, XXXX, advised that she had no record of receipt and to check back in a few days as it may take a few days to process check. XX/XX/XXXX, at XXXX XXXX - I again called Chase to confirm receipt of my certified check. Your agent, XXXX, said she had no record of receipt and to check back in a few days as it may take 5 business days to actually receive the check. I told XXXX that I would check back the following week. XX/XX/XXXX, at XXXX XXXX - I again called Chase to confirm receipt of my certified check. After several transfers I finally reached XXXX. Anise said that the system showed they just received the check the day before or XX/XX/XXXX. She said it hasnt been posted to the account yet. She said she would email the rep that handles my account to be on the lookout for the check. o Fact : Payment was received by Chase on XX/XX/XXXX and cashed on XX/XX/XXXX. XX/XX/XXXX, at XXXX XXXX - I again called Chase to confirm receipt of my certified check. The agent, XXXX, said they were working on it. She said she was checking the system for history and details. After a moment, XXXX said it might have been sent out Monday. I then asked her specifically and without ambiguity if my account stated that the title was in fact sent out. XXXX acknowledged it was stated in my account record and that it was in fact sent out. She then said it could take 7 to 10 business days before I would receive it. o Fact : It was obvious this agent lied about the title being sent out on that Monday. Federal and New Jersey law requires a vehicle odometer reading to be documented on the title. This information had not been requested by Chase at any time. The odometer mileage reading should have been requested with the letter dated XX/XX/XXXX ( Attachment 1 ) but was not. XX/XX/XXXX After more than 30 days of not receiving specific facts or details regarding my certified check or vehicle title, it was obvious that Chase had no urgency or commitment to provide me with the vehicle title or requested information. I submitted a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Complaint number : XXXX. XX/XX/XXXX To my surprise, XXXX XXXX, called me in response to my complaint to the Consumer Financial Protection Bureau to let me know that the title was in fact not sent out per the agents declaration on XX/XX/XXXX. o Fact : There was no activity on this process given there was no request from Chase to obtain my vehicle odometer reading which is required by law to transfer title from one party to another. XXXX had no explanation why. Had I not submitted a complaint to the Consumer Financial Protection Bureau, this process would still be buried in the catacombs of Chase Auto Finance. I was very upset to hear that the information I received from your agent on XX/XX/XXXX was pure fabrication. XX/XX/XXXX I XXXX the odometer documentation per Chase request ( Attachment 2 ). XX/XX/XXXX I received letter apologizing ( Attachment 3 ) for the customer experience issues related to this matter. Also, received title paperwork and instructions from Chase to take to my local DMV for title transfer. XX/XX/XXXX Saturday morning of XX/XX/XXXX, I visited my county DMV in XXXX, NJ. When attempting to register the vehicle, the DMV supervisor informed me the title was not complete because it did not include verification of New Jersey state tax payment per New Jersey law. The supervisor of the DMV stated that Chase is registered to do business in the State of New Jersey and are required by New Jersey law to withdraw appropriate taxes. I completely assumed the paperwork provided by Chase to be in order. o Fact : Chase failed to follow appropriate procedures required by New Jersey state law. Chase understands these laws as a matter of doing business in the state of New Jersey. I leased this vehicle from Chase in XX/XX/XXXX. Again, more delays and incompetent behavior by Chase. Personally, I dont know how many mountains I have to climb to actually take legal possession of this vehicle. Your organizations behavior summarized above is just a sample of what Ive had to endure up to this point. I do hope you have the latitude to protect me from additional delays and personal stress. Given this vehicle has already been charged off, it would be just and fair for Chase to return my payoff of {$19000.00} and award me the title of this vehicle at a cost of {$100.00} plus appropriate NJ Tax. In fact, if Chase is serious about Customer Service and Experience, I will join your organization to simplify and automate this broken process to permit your agents to serve your customers with distinction, integrity and self-respect. I look forward to a just and respectable resolution. Kind Regards, XXXX XXXX As you can read from this letter, there is a lengthy pattern of negligence and discrimination on the part of Chase. This behavior is statistically and obviously not process behavior. This is 100 % systemic and discriminatory behavior. I have also attached the payoff letter from Chase. I had to ask for this letter. Notice that this letter did not make reference to an a vehicle mileage statement or odometer statement required for legal title transfer. | ||||||
| 01/11/2023 | Yes |
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| I filed a dispute for a charge with XXXX, who once again had sent me an item that did not work. This was a XXXX photobooth camera. As I was putting it together, I noticed, it had a lot of dings and starches on it, it was also warped, and the logo sign was bunched up nor would it even come on. I immediately reached out to the seller, he first tried to get me to call their XXXX XXXX team, I refused because this was supposed to be a new item and it was apparent that it wasnt. I also provided pictures. Eventually the seller sent me a return label, which I had to pay an additional {$8.00} to have XXXX XXXX to pick it up, this thing weights about XXXX. Once I returned the product, I contacted the seller again asking when he was going to refund my money. The seller says he has to wait until the return make it overseas and then I would have to wait an additional time after it makes it there. The seller also made a weird comment as he has someone at XXXX to check the product before they ship it ( not true ). I told him that it had already been checked in according to the tracking label. He continued to stone wall. I asked XXXX to step in to get me my funds back. They acknowledge that the seller was not being honest and that if he had not refunded me by x number of days, they would return my funds. Once XXXX failed to return my funds in a timely matter, I filed a dispute with XXXX. XXXX said that they would issue a provisional credit that day. They did issue that credit the following day. XXXX or XXXX days after that XXXX issued my refund. I contacted XXXX that following day to advise them that I had gotten that refund from XXXX and asked them to remove the provisional credit from my account. I was told it would be removed I think XXXX or maybe XXXX days later. I asked if they could remove it asap. The reason for that is because I do a lot of online shopping and sometimes it takes a while for the funds to be removed and due to my issues with memory loss, I sometimes lose track and being it was such a large amount in comparison to my other purchases. The rep stated that she would reach out to leadership to see if they could remove it earlier, I was told they would and a few days later it had been removed. Mean while my purchases were not going through so I would use a different card. Eventually I called to find out what was going on with my card. The automated system stated that my card had been suspended. I spoke with a rep and was told that my account had been closed and I would not be able to open another account with chase. I asked why and was told per my agreement with chase they do not have to give me a reason for closing my account. At this point I still had about XXXX in my account, so I attempted to send it to a different account, but I got messages saying that the transaction had been cancelled. The following day which was XX/XX/XXXX, I went to chase to close the account completely out and get my funds because my direct deposit from work had been deposited. When I first got there, I told the young man at the front that I wanted to close my account and withdraw my funds. He said that they did not have a teller in at this time. The teller was at lunch. I left came back and was told that they could not give me my funds because my account was restricted. The XXXX came and told me she would have to get permission to release my funds. I had {$900.00} in my account again because of my direct deposit. The young man called their back office and was told because I had some open claims, they could not close my account until they were closed. He said that he has been authorized to release {$770.00}, until the claims were closed. I advised that there were no open claims on the account because I had withdrawn the XXXX claim and the provisional credit had already been removed, which I believe was {$1000.00} ( something like that ) I told him that I am ok with the {$770.00} until they finish the process. He walks me over to the teller to withdraw those authorized funds. The teller says it still would not allow him to release my funds. They then say that they would call back to get the funds released. I had already been in the bank for a while and I had my brother in the car waiting for me, so I told them that I would have to leave and come back. I told them to give me a call when they get it figured out. About XXXX minutes later I get a call from this same young man, who says that. I had XXXX or so claims on my account in the last year so they could not release my money. They said that I still had an open claim for XXXX for XXXX XXXX which was a reoccurring payment, so until that is settled, I could not get my funds. I went into my XXXX XXXX account to prove to them that my account is active on my annual subscription and its renewals on XX/XX/XXXX. I attempted to fax it about XXXX times, and I continued to get an error message stating the fax signa was not strong enough to except the fax. I called and asked for a supervisor, and she asked me what fax number I was sending it to, she then informed me that it was the wrong number, she gave me another fax number. Today XXXX XXXX called me and said that the bank rejected their request for payment, because my account had been suspended. They informed me that the full balance is now due, because of the missed payment. There was a payment rejected on my XXXX XXXX account, and I also have another payment due on my XXXX account. My business insurance from XXXX XXXX XXXX payment was return and my policy is about to be cancelled. I was not aware of a number of amounts of dispute that can be made on an account. I have had physical evidence for each claim and offered to send it in with each claim. I was told to hold it and they will notify me if they need it. They have never asked for it. I think Each claim went in my favor, except for XXXX XXXXXXXX, who charged me a yearly subscription for a product that I received for free through XXXX XXXX XXXX XXXX. After they denied that claim I sent the proof that my college had provided me with that product for years. I explained that when I reset my computer, I attempted to redownload the product and that is why they charged me. I advised them that I had been trying to contact XXXX and was being sent in a circle never being able to speak with anyone They still denied my claim. I recently file another XXXX charge where I order XXXX item for a sticker for, I think XXXX. I was charged for XXXX order they also sent me XXXX orders, but I only order XXXX. I got a notice asking for proof of my claim. They asked to be to provide proof that I never received the item, or something that had nothing to do with the dispute. I responded by asking to have my dispute transferred to someone in the XXXX. I had Implied that there clearly was some kind of language barrier because, that was not the nature of my dispute. The next day they denied my claim. I called in to complain about this action and was offered a {$20.00} credit instead of continuing the dispute, so I accepted. I believe about XXXX percent of these calls across the system is being handle by people who can repeat English but doesnt comprehend the language. I have stop calling in the XXXX ups. I have to go without groceries because I thought that this would be resolved. I tried to log into the account today so that I could provide you with correct dates and amounts as well as other details, but my online account is now locked. I am a compulsive shopper ; I do not like shopping in brick-and-mortar stores so there are a lot of online shopping. Which also mean I do not get to touch or feel my product until it gets here. In XXXX I made about XXXX orders on my XXXX account alone. Why am I being punished for filing legitimate dispute. Thanks XXXX XXXX | ||||||
| 11/20/2021 | Yes |
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| On XX/XX/2021 at XXXX PST, I received a text from the Chase Bank Fraud Department XXXX a flagged {$5000.00} transaction. I responded " NO '', I had not authorized a {$5000.00} transaction. The next text said a representative would contact me shortly. At XXXX XXXX, I received a phone call. My caller ID showed XXXX Bank 's 800 number ( the same number appears on the back of my business debit card ). There was a recorded greeting that said, " if [ my name ] is on the line, press 1 '', so I did. A man came on the line identifying himself as XXXX XXXX from the Chase fraud department. He explained that there were multiple {$5000.00} pending XXXX transactions on my account, scheduled to go to a XXXX XXXX wuth an IP address in Texas. I said absolutely not, i did not know XXXX XXXX and I did not authorize any XXXX payments to him. He said XXXX XXXX had even attempted to attach a XXXX XXXX XXXX XXXX account to my account to take funds directly from my businessaccount. Needless to say I was thanking XXXX XXXX for contacting me and helping me stop these transactions. XXXX assured me he would reverse all the pending transactions, but there was a process and he would walk me through it. He would suggest that first we cancel my debit card and issue me a new one. He confirmed my address ( now I have no idea how he had that ), and confirmed the last four digits of my debit card ( also do not know how he knew that ). He said I should receive a new debit card in the next XXXX days. Next he asked me to sign into my Chase mobile account so he could walk me through reversing the pending {$5000.00} XXXX transactions. We would have to do each one separately, he said, so he would have to call me multiple times to reverse the transactions. I wasnt clear on how XXXX payments worked, so I just followed his steps. I signed into my acoount, went to XXXX payments, and he said to type in my first initial and last name, then skip the email and type in a phone number other than my own. He said it had to be someone close, because he would generate a XXXX digit code that I would need to provide him. So, I entered my brother 's phone number and texted my brother that I needed the code that would be sent to him. My brother didnt reply immediately, so i called him and even merged him onto the call with XXXX XXXX XXXX When the XXXX digit code arrived to my brother 's phone via text, he said the text said not to share that code with anyone. XXXX assured him that it was safe to share it with him so the XXXX payments could be debited from my account, then the funds would be reversed back into my account. Trusting the " Chase fraud department representative '', my brother read the code aloud. I watched the funds disappear from my account, and XXXX assured me that my funds were FDIC insured and they would be credited back to my account. I thanked him profusely, and we said good bye to my brother. XXXX said he would call me again to take care of the other pending scheduled transfers. After we hung up, my brother called me to say the texts he received with the XXXX digit code seemed odd, because they said [ our business name ] had sent {$5000.00} to XXXX Bank. The funds did not go to my brother 's phone number or any bank account associated with his phone number. The whole thing felt eerily strange all of a sudden, so I called Chase to confirm this was all legit. I attmepted to explain what had just happened to the Chase rep I called, asking if this sounded legitimate at all. He said no, and checked the history of Chase calls to my number. No one from Chase had called me for years, there was no record of any calls from the fraud department at all. He explained that he could not do anything for me right then, and that I would have to call and report this to the Chase claims department when they opened the next morning. I called the claims department 19 times the next, and was not able to reach anyone to help me make a mobile app claim. I spoke to a claims rep in the debit card department, but when she transferred me back to the XXXX app department, no one ever answered. At XXXX point, while I was on hold with the claims department, I got another call from the Chase bank 800 number. My XXXX rate skyrocketed, and I answered the call. It was XXXX XXXX again, calling to take care of the next " unauthorized {$5000.00} zelle payment to XXXX XXXX. '' I couldn't believe he had the nerve to call and do this to me again. I screamed at him, that he'd robbed me. That my parents were dead and my nephew was a XXXX survivor and that he had robbed me of hard earned money. He tried to assure me that he was, indeed, from the Chase Fraud department, to check the number that appeared on my caller ID, that he was calling to help me. I continued to yell at him that he was a terrible person and he'd robbed me. He then asked, how and when was I made aware of this, to which I continued to yell at him until he hung up on me. I could not control myself at all, i was shaking and hyperventilating and my arms went numb. After I'd calmed down, my friend asked me to walk him through the whole thing again. I showed him the original texts, and he called the phone number that the texts came from. I dont know why I hadnt thought of that. He got a voicemail saying the subscriber was unavailable. A few hours later, to our surprise, my friend had an incoming call from the original text phone number. It was XXXX XXXX trying to pull the same scam. My friend tried to keep him on the line as long as he could, and I ran over to try and record as much as I could before XXXX realized he was in over his head. We couldn't believe he had called back, but he must be on a roll and thought he could steal some more money. I sent all of this to the FBI, the news, Chase corporate hdqtrs, etc and my brother ran a report on the phone number XXXX originally texted from and then later called my friend from. The number says its in XXXX MI. No information for the subscriber. Presumably a burner phone. Chase provisionally credited me the stolen {$5000.00} while they conducted an " investigation ''. After a few days, i was notified by chase that they believe the transaction was authorized and they would debit my account again, the {$5000.00}, on XX/XX/XXXX. Now my account is overdrawn because i removed my funds in fear of XXXX XXXX 's reach. I called for clarification and details and was told there was nothing they would do to recover the funds, and I'm basically on my own and out $ XXXX. The rep said he knows better and that chase would never call me ; that i should have known better. XX/XX/2021 I went into my chase branch to try and get a new debit card, with a new card number since XXXX XXXX knows that number. The rep said he'd help me. He'd " generate a XXXX digit code '' that I'd have to read to him. I said no, that's how i was robbed in the first place. He laughed at me, so i requested to speak to someone else. The next rep came and said, " if you open your mobile app, I'll walk you through the process '', exactly the same language XXXX XXXX used on the scam phone call. Also, he said " no one from XXXX will ever call you ''. This all triggered a XXXX XXXX and i started shaking, crying and became nauseous. I had to leave before i lost my composure. Later the same day, I received a call from XXXX at Chase XXXX XXXX. Funny she called because everyone said, " no one from Chase will ever call you. '' XXXX said she was going to be looking into my ordeal and would attempt to get it resolved. I relayed the events from my visit to the branch, and how misleading and inconsistent everyone has been. I havent received any other communication from chase as if today, and I'm still - {$5000.00} in my business acct. | ||||||
| 06/19/2018 | Yes |
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Web | Older American |
| Early in XX/XX/XXXX, I approached my personal banker, XXXX XXXX, at XXXX XXXX XXXX in XXXX XXXX, Texas about refinancing my existing mortgage to get cash out to replace the ancient and deteriorating windows in my XXXX home. He put me in touch with a mortgage loan officer named XXXX XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX sent me a list of documentation he required. On XX/XX/XXXX, I sent him 6 separate electronic packages of data which included all my personal financial data - bank statements, financial statements, tax returns, IRS transcripts of the returns, business bank statements, financial statements and tax returns, Forms XXXX and XXXX, details on all the properties in which I have an interest either directly or through a business or partnership, reconciliations of tax to book income, an analysis of my annual and monthly cash flow from all sources and all the details on my XX/XX/XXXX bankruptcy including the discharge and a letter from the court stating that there are no restrictions on my incurring new debt. Since that time, XXXX XXXX and I have gone around and around and around in countless discussions about the errors he was making concerning his calculation of my 'qualifying income '. Just to highlight SOME of the errors ( by no means all ) : 1 ) First he decided that my XXXX income was coming from my partnership ( the names do NOT match ). When I explained to him that it was in error, he subtracted the amount from the partnership and added it back in some way that eludes me because managed to arrive at an income that was {$6000.00} LESS than it was before! 2 ) He added the NET income of all the companies together and then SUBTRACTED 100 % the debt-service payments - in their entirety from all debts, business and personal whether or not I am solely responsible! PLUS ( a ) all the loans are being overpaid so he should be using the minimum required payment, not actual remittances which resulted in shorting my income {$7700.00} ; ( b ) his computations duplicated over {$10000.00} ( 3-year average ) in interest expense that had already been subtracted to arrive at the business net income for each year. 3 ) He refused, repeatedly to give me credit for {$3600.00} a year in partnership draws of previously-taxed monies because they weren't on the tax return. Child support isn't reported for tax purposes either, but they include that in the calculation of qualifying income and my bank statements clearly show those monies being received. 4 ) He ignored the difference between the allowable tax deduction for automobile and travel and ACTUAL costs which was several thousand dollars. 5 ) He didn't make adjustments for prior year 's bad debts written off in current years or the non-deductible portion of meals and entertainment. 6 ) Lastly, he ignored XX/XX/XXXX documents and data simply because the return was not yet filed?! That doesn't negate the accuracy of the data! In short, his methods and erroneous calculations were shorting me {$30000.00} a year in actual, available cash income ( my analysis is attached as are his for comparison ). More importantly, he continued to insist he was correct even AFTER I pointed out to him that it would be impossible for me to be earning only {$36000.00} a year since my charitable contributions average {$25000.00} a year and my medical insurance and costs are over {$8000.00} a year. Does he actually believe that I am living on a mere {$3000.00} a year for all my transportation, food and utility costs?! Again, his computations make no logical sense! I spent WEEKS trying to show him in excruciating detail where the errors where and why they were errors. I calculated my correct income using HIS own methods but with the right numbers! I even supplied them with the rules and regulations governing tax return preparation. Nothing worked. He had made up his mind and was not about to be persuaded otherwise by anything vaguely resembling facts or evidence. Then his supervisor, XXXX XXXX, got involved and made it worse. I then respectfully requested a pre-authorization meeting with him, his supervisor and myself as is allowed by HMDA. I was refused by both XXXX XXXX and his supervisor XXXX XXXX even AFTER my personal banker pointed out to them that, in accordance with HMDA, I was supposed to be allowed a pre-authorization meeting with the loan officer to clarify any discrepancies or issues. I can provide all the correspondences back and forth, but that would take up an inordinate amount of space and time. I am not allowed to interact directly with underwriting, my only chance at a fair shake is to come to an accord with the loan officer that will be presenting my loan to underwriting. If he/she understands my complex finances, he/she can explain it to them. But, without that, I'm merely damaging my credit score for nothing. This was the FOURTH time in the past 10 months this has happened to me but the first time I demanded a pre-authorization meeting and analysis. When I started my credit rating was XXXX. It is now XXXX because of all the useless inquiries. Their lack of knowledge and understanding should not be grounds for damaging me and my credit. This bank has denied me my rights. They have not treated me or the calculation of my income in the same fair and equitable manner as others which is a violation of HMDA and the regulations governing mortgage loan applications and related income calculations. " Fair and Equitable '' does not mean 'Identical ' - it means that each person/business is given the same opportunity to have all their documents reviewed and fairly considered in the course of the application process - an opportunity I have been denied. It means that each person/business has the same opportunity to challenge results and provide evidence of their viewpoint without being summarily dismissed and shut down as I have been. If I can reach an accord with a loan officer, going over things with him and showing him the details and facts until he fully understand my situation sufficiently to present it to underwriting, I will happily pay the application fee and authorize access to my credit report. But there is NO reason I should have to do so ( AGAIN ) before that understanding is reached because all that accomplishes is to hurt my credit and cost me money. More importantly, in addition to this specific complaint, I would like the CFPB to look in to the manner in which 'qualifying income ' is being calculated by banks and underwriters. As a tax and financial professional with 40+ years of experience and multiple Master 's degrees and certifications in the field, it has, over the past 10 months and four denied loan applications, become blatantly clear to me that there is a significant deficiency in the education and understanding of tax returns and financial statements on the part of the financial professionals evaluating these documents. How can anyone accurately evaluate a person 's income from a tax return if they have no understanding of how that document was prepared and the laws that would dictate necessary adjustments to correctly and accurately determine an individual 's or business 's disposable cash flow? They need to learn that " Fair and Equitable '' does not mean " exactly the same ''. It means " afforded the same chance to prove net worth ''. I am attaching my calculation of what I know to be my annual income based on what I take home and spend. I am also attaching the first and second calculations from the bank. The first one had the XXXX income wrong and the second one took the XXXX income out of the partnership and added it separately, but who knows how he made his calculations because that should not have resulted in a {$6000.00} REDUCTION of income. | ||||||
| 10/15/2020 | Yes |
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| This claim is in regards to the claim response I received on XX/XX/XXXX. Evidence had been provided for to show how the bank was lying on their behavior. The company 's response on my previous claim was totally lying and cheating, struggling to put off their responsibility, and their response does not follow the basic logic. It's so bad such a big bank do things like that, let 's take a look at this one by one : 1. The most funny things is, the company said it's was provided a higher rate and because later I requested a lower rate so it delayed their process. Let 's look into the logic here, the market rate are changing everyday, whatever I got on the pre-approval letter will not be the final, that's the rule of thumb, how can I request a lower rate? It's whatever the market rate at that time was, and the agent came in and lock in the final rate for me when everything else is cleared. I can not request lower rate, I can not go in and lock the rate, everything was processed by the agent XXXX XXXX. And locking the rate when able to is just a natural process, we did not lock in the rate by the projected closing date is because you don't get things done to that step yet, far away off ... .Will provide evidence and talk about this later. To make long story short, when I was at the step to lock the rate, the market rate floated down which was a change, this is always the case in every mortgage applications, just re-calculate all the numbers, it should not be the consumer 's responsibility to delay the process, it's just how the market and process goes, which is the same case on every application, I did not request, the agent lock the rate whenever she is able to. I don't know where the company 's words are coming from, just struggled to not to pay. 2. In fact, the company said the projected closing was on XX/XX/XXXX, I did ask about if we can lock the rate for this mortgage on XXXX, as the market rate was good, I want to ask if we can lock it, however, the response was we are far away off from locking the rate yet, I've uploaded the chat history and XXXX XXXX 's voice response as well, she had made it clear that it was Chase 's problem of processing it very slow, rate will be good, there's no need to worry about locking it right now, the processing is very slow and we are far away, will not be as fast as you think. Take a look into the evidence. The process of locking the rate was controlled by the agent, not me, and we know the reason why we are slow on the application processing. 3. Let 's take a look at the most funny things here, the projected date by the company was XX/XX/XXXX, let 's take a look at what the company was doing by that time. I luckily saved the emails communications with agent XXXX XXXX and please refer to the attachment email, I got the email from this agent on XX/XX/XXXX, asking for some missing documentation or more documentations, please noted that I response to conditions almost right away, the pay-off screenshots are being sent back to my agent right away after the request and they said no documentation received ... .Monthly statement can only be retrieved at certain time which is not possible for a immediate response so they've clarified they accepted screenshots. There're a lot of things like this which make me think their team is really incompetent and don't know what they need and what they are doing. There're many back and forth redundant processes like this which is not needed. Please also noted that the original condition had all been submitted by XX/XX/XXXX, which is within 2 business days of the XXXX condition request, it took them 3 weeks to figure out what they still need. and due to their slow process, they needed keep reviewing the latest activity as they were not able to finish processing on time and the documentation kept getting out of date, which had caused a lot of work and frustration for me and extremely overwhelming. Long story short, we say that the email had indicated clearly that, Chase was not able to clear the condition upon my immediate response on their request on XX/XX/XXXX, so what's the reason causing them not able to close on XX/XX/XXXX? The answer is very clear and straight forward, they are not able to meet the projected closing as they were slow, had nothing to do with the interest rate change, as we are far way off locking the interest rate. 3. The company had indicated that the agent locked the interest rate on XXXX, which means that's the date we are able to lock the interest rate, which was already way past the projected closing date, so how could that be me delaying the process by locking the interest rate? The logic here is, if you say I lock the rate by XX/XX/XXXX, which delay the process for XX/XX/XXXX, that could be reasonable, we locked the rate on XXXX, what's that mean? You were not even close to meet the XX/XX/XXXX closing!! Not even close .... More funny things are, they said rate change can not be within 10 days of closing, the case here is, we lock the rate passed the closing because they are not able to close, and also, the actual closing date was XX/XX/XXXX, which means I did that early enough based upon the real closing date, and they are struggling to say it has to match the projected closing date, how does that work? It's really a joke of their behavior. 4. The company had quite a few dishonest behaviors in this process which dramatically ruined the reputation of the Chase bank. First, they responded to my previous claim about this issue with a closing guarantee rules, which never been disclosed and communicated before the application ( you said you did, please provide evidence ), that's dishonest behavior one, they put the advertisement online saying they will guarantee the closing but they did not tell they can do everything they can, including changing the rules to disqualify you, that's cheating on the customer, totally cheating, they should not post that closing guarantee online which is misleading statement. Secondly, they tried to stretch the reason of delay to the interest rate change reason which is stupid as the interest rate change is normal on everyday basis and we locked in the rate in-time for processing on XXXX which after that it still caused them 20 days until final processing. Requesting the locking of rate should not be the delay reason as well as we can only lock it when we can, when the process is up to certain status. If not, it's the misleading activity by the agent XXXX XXXX, which I had clearly indicated in the message of communication as the attachment to this claim. Thirdly, logically speaking, the within 10 days of closing, no interest rate change should be comparing to the actual closing for sure, no doubt. They are stretching to compare it to the XX/XX/XXXX projected closing which is a joke, it's not even comparable!!! It past the date, means something is happening that they've already missed the date!! They way they did this is extremely a dishonest behavior. Finally, the evidence I've provided, they should also had access of, they said they talked to my agent and the team, they still determined to give me a stupid response like this is really dishonest. To clarify, they know they were far off being able to close it on time, they know they are still asking for documentations by XX/XX/XXXX, they still chose to say because I requested the interest rate change causing the delay, their point has nowhere to stand and they still chose to say that. So far we had gone through how Chase bank had cheated through their customers on closing guarantee, after trapped you in, find a way to disqualify you and even when you file a claim, they are still stretching the reason in dishonest way and struggling not to pay for it. | ||||||
| 09/03/2022 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I opened a XXXX XXXX checking account with Chase in 2020 XXXX XXXX XXXX XXXX XXXX. The XXXX was created a year later, and unfortunately, I didnt add the XXXX name to my chase account which is my mistake Around XX/XX/XXXX, I had deposited a check for the amount of {$8200.00} from my customer into my Chase Account, the check was issued to the XXXX XXXX My startup was running low on cash and I needed money for expenses and was in a hurry as we were going on vacation XXXX XXXX XXXX. The check was accepted, and a few days later I got an email saying the check cleared and money is available in my account. After the check cleared, I initiated a transfer of some the money to my other business account, and few days later I find the ACH transfer was returned. I was not sure what happened and the other company suggested I add their account into to my Chase.com account. But since I needed the money soon, I decided to transfer money from Chase.com to my other account, as part of verification Chase.com initiated some micro deposits. After I received the micro deposits in my other account, I logged into my chase.com account to verify those transactions and could no longer find my business account ( around XX/XX/XXXX ). After taking to 3 customer representatives, I found that my account, which was a surprise for me, after asking more questions, I finally found it was closed by Chase. In between the time my check was deposited and account closure, I logged into my chase account, and I never saw any notification about issues ( My First Complaint ). It took a long time and many questions to get answers from the Chase customer representative. It appears almost all Chase customer representatives just give the basic info and are unwilling to find out what is going on. Some of them are outright rule and asking questions like Im some sort of criminal depositing a fraudulent check. It felt like the interrogations you see in XXXX XXXX XXXX and these people have no respect for you. Finally one of the representatives asked me to go to the bank with my Incorporation documents to verify I own the business, so I went to the bank, and at the bank I was told, the check was mailed to me with the remaining balance of about {$12000.00} and they didnt need any documents from me. I waited for a week but the check never arrived and I booked an appointment with a person at a back for XX/XX/XXXX. On the XXXX I get a call from the person who Im supposed to see that there was no need for me to come as the check was mailed. I told her that is not ONE of the representatives told me, so she called the risk department and found that I needed to submit the document, and she told me that the never entered the information that they were waiting for the document. So I went to the bank to provide the document. The person at the bank says they emailed everything, and I had to wait until I received my check. I also threatened with a legal complain at which point I got to see a branch manager who filed a complaint on my behalf with their branch complaint department. On about XXXX, XX/XX/XXXX I get a call from branch complaint department saying they would get back to me in 1 5 business days. I dont hear from them for a week and on Thursday XX/XX/XXXX I get a call from the same person saying they never heard anything from the department and asked me to wait another 1 5 business days. I asked to escalate the issue or talk to their supervisor and she said she was the final authority and I could not do anything but wait. I didnt hear from them, so on Wednesday XX/XX/XXXX, I decided to send the branch officer and manager an email. They dont respond and I got a call on Thursday which unfortunately went to my voice mail, which I promptly returned. Im not sure if the call was due to my email to the branch officer or manager, because they never bothered to send me a reply with next steps. On Friday XX/XX/XXXX, I emailed the branch officer and manager, and called the branch multiple times but could not reach anyone as they were always busy. Anyways later in the morning I get a call from the manger saying they spent two hours trying to fix the issue ( as if they were doing me a favor, which I believe is their job and not a favor they are doing me ). And they assured me a check for about {$12000.00} was mailed on XX/XX/XXXX ( contrary to want her branch officer said ) and said it must have been lost. I asked for when this issue would be resolved, and their answer was to wait. I told them Ive been waiting for about a month for my money and it is 3 weeks after I submitted the document, and the branch manager started turning this around me as if it was my fault, when I started asking questions about what is going on and hung up on me and threatened me to not call or they would report me for harassment. I admit I was very angry and raised my voice, but you must understand by this time, all I would get from chase is different answers from different people at different times and no resolution in sight. On Friday XX/XX/XXXX afternoon, I get a call from another person from branch complaint department saying the first person who promised to return my call in 1-5 business days was on vacation and they were taking over the case. They informed me that the check was not mailed, which contradicts what the manager told me in the morning and said they would mail it if I submit documents that said I owned the DBA in question. I told them that I submitted all the requested document on XX/XX/XXXX and they were surprised to hear that. I emailed the branch saying they never received the document, and I get no response, I tried calling them and the person said they were with a client and hung up ( which I dont believe is true, because when they are with a client they usually dont answer ) This ordeal has caused me a lot of pain, and additional costs as my company is out of funds. I was supposed to go on a technical conference and purchase hotel stays at discounted rate offered by the conference and couldnt do it in time due to lack of funds and now the hotel prices have doubled. Each week Im scrambling to find funds to pay for my expenses due to chase holding my money. I agree, the XXXX was not on my account, but I've been to the branch twice with the requested document 3.5 weeks earlier and they've lost my sensitive personal information which in the wrong hands can cause damages to me and my company. How can one of the largest banks in the country be so negligent with sensitive personal information and withhold funds indefinitely even when all requested documents are provided 3 weeks prior and still claim they have not received it. How are people who claim to be the highest authority in the bank on customer service not know that I've provided all the requested information and talk as if its my first time calling them about this issue. How does this bank let me login to their website and conduct business when there is a fraud alert and not have any kind of notification to inform you of these issues. Instead they just disappear your account one morning. Why are all the customer service representatives in this bank so rude and instead of answering the question turn the issue around and make it seem like I'm at fault for their inefficiencies. Why is the sole customer service person who identified the issue doing this as a favor to me. Looks like Chase has set a very low standard for customer service. They ask me to do the samething again and again and expect a different result? Why is this allowed while I'm stressed and anxious on how I'm going to meet my expenses- and this is my money they are holding. | ||||||
| 05/02/2021 | Yes |
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| The essence of the complaint is that I am being charged for damage ( XXXX Door Panel Heavy Scratch @ {$2200.00} ), which plainly did not exist prior to my surrendering my leased vehicle on XX/XX/XXXX. This is backed up by clear photographic evidence, which has been sent to Chase, per their instructions via hard copy twice, and yet continues to go unaddressed. After multiple phone calls there is no clear path offered by Chase to resolve this issue. The vehicle leased was a XXXX XXXX XXXX XXXX, XXXX Acct # XXXX XXXX. This complaint is regarding JPMorgan Chase Bank XXXX Chase XXXX, which operates XXXX XXXX XXXX XXXX : XXXX : XXXX. The end of lease group in Texas has been the source of the frustration. Key factors are their inability to work with electronic files OR receive hard copy mail, mixed with their general apathy and attitude, which, after several phone calls, offers no real help or suggested path to resolution. An issue that could have been resolved in a matter of minutes continues to drag out over a month with no clear path to resolution in sight. Additional detail, organized in date order and with reference to supporting documents are as follows : XX/XX/XXXX XXXX XXXX XXXX Report identifies limited damage totalling {$200.00}. XXXX - XXXX XXXX father enters hospice and passes away from terminal XXXX. I asked to extend my lease during this period. However my driving was severely limited, and no subsequent damage occurred. XXXX I take photos in various conditions of the vehicle prior to turning it in. These six photos are included in the subsequent correspondence to Chase - these indicate no damage to the XXXX Door Panel prior to the vehicle being surrendered to the transport truck driver. XX/XX/XXXX XXXX truck sent by Chase picks up the vehicle from my home in downtown XXXX XXXX there is no dealership involved - pickup arranged with Chase due to Covid ). XX/XX/XXXX Date of first letter from Chase, identifying a variety of small damage items, including those identified in the pre-inspection report, which I do not dispute. However a significant and unexpected line item is introduced, which is described as XXXX Door Panel Heavy Scratch and has a cost assigned of {$2200.00}. This is the disputed charge that has yet to be addressed. XX/XX/XXXX After catching up with mail and reading the letter, I call Chase - the lease end group in Texas at XXXX - to inquire about how the inspection occurred, and ultimately to dispute the XXXX Door Panel Heavy Scratch line item. I am told a separate research department will review the photos from the inspection. They will drop any charges for which they do not find photos. I can also request to have the photos sent, which I do. I found the nature of this call to be unsettling. I was told that this stays with this department 100 days, and I dont want to know what happens after that. I found the tone to be generally aggressive and threatening, as if I had been sent to a debt collector vs a customer service department with any kind of curiosity as to my situation. XX/XX/XXXX Document Attached : Correspondence from Chase Date of letter from Chase with grainy photos printed on ordinary copy paper. Only one of these images identifies the supposed XXXX Door Panel Heavy Scratch. If it is in fact on the XXXX Door Panel ( difficult to validate via this one picture ), it was certainly not there when I surrendered the vehicle to the transport driver. XX/XX/XXXX I call Chase to explain the situation all over again, this time to XXXX. I was told to mail my photos to a very specific address, which was provided by XXXX as follows : Chase XXXX XXXX : XXXX Department XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX I asked XXXX to repeat as some elements seemed strange like the PO Box number with a comma, etc. She acknowledged it was strange but this was the address. It will turn out later this was an incorrect address. XX/XX/XXXX I mail a letter with my photos and the pre-inspection report via XXXX Priority Mail - the tracking indicates it was not delivered. XX/XX/XXXX I call Chase and ask to speak to a supervisor. I speak with XXXX, ID # XXXX. XXXX is not initially curious or helpful. I have to ask him to look up the address for me and verify what XXXX provided was correct. When he finally does, it turns out to be a different zip code. The address is provided as follows : XXXX XXXX XXXX Mail XXXX : XXXX XXXX XXXX, TX XXXX Attn : Research XX/XX/XXXX Document Attached : Damage Dispute Letters to Chase I print out all my hard copies again - revised letter/address, photos, pre-inspection report, and sent by Priority Express Mail. This time the tracking indicates it was delivered early on XX/XX/XXXX. XX/XX/XXXX After seeing the letter and photos have been delivered for over a week, and I have not heard anything from Chase, despite the fact they said they would call. I call the following numbers : XXXX XXXX XXXX Customer Service at XXXX - they listen but say they can not help with anything regarding Chase. They suggest I find out if Chase has a complaint department. No such department for dealing with this issue can be found online or on the phone. No matter who I call I am always redirected to the same end of lease group in Texas that has been so difficult to work with. XXXX XXXX XXXX Customer Service at XXXX - after asking for a supervisor and explaining the situation - they simply reconnect me to XXXX in Texas and the same group that again has not been helpful this whole time When I am redirected to XXXX ID # XXXX, I provide the tracking number for the second mailing, which he looks up to see it was in fact delivered. However XXXX says they dont have the photos. I ask how is that possible? - I have mailed them twice and reconfirmed the address with XXXX himself. The XXXX says its delivered. XXXX says, I dont know what to tell you. If were not getting anything, we cant waive it. XXXX says the only next step is arbitration. I ask if he has a supervisor. He says yes but it takes XXXX XXXX for that individual to call me back. He will mail me the lease contract, which describes arbitration as the only option left. Obviously this has taken a lot of my time and resources, with multiple phone calls, mailings, printing out of photos, documenting, etc. A reasonable customer service agent would be able to determine in about XXXX XXXX that the XXXX Panel Heavy Scratch occurred after I turned in the vehicle. Yet the Chase lease end office in Texas feels more like a debt collector than a customer service office. This group is at best apathetic, sometimes threatening, and surely not helpful. I have spent my own resources printing photos and putting together hard copies and mailed them TWICE per their direction, and yet they dont know what to say about it, using the excuse they have not received what XXXX confirmed was delivered. It is shocking to me that in the year XXXX Chase Bank can not receive photos or correspondence electronically. Having said that, if they claim to deal with hard copy only, they do not have a reliable way to receive hard copies either, so they leave consumers with no viable options to resolve simple issues. The fact that the XXXX XXXX name is attached to this group also is not helpful - XXXX XXXX will not act as Chase holds the lease and only uses their name apparently for branding/marketing. And the internal customer service at XXXX XXXX XXXX is powerless to act - they simply steer me back to the office in Texas, which again leaves no resolution. In the meantime, this drains my resources, and ultimately puts my credit at risk, as it seems their only strategy is to drag their feet until their threat of 100 days, when it turns over to collections. | ||||||
| 06/24/2022 | Yes |
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| I purchased a used car from a merchant XXXX on XX/XX/2022. The car was listed on the merchant 's website as having the following features : ( i ) RUN and Drive ( ii ) NORMAL WEAR ( iii ) All Wheel Drive. I checked out the car for {$5000.00} and paid with my XXXX XXXX Credit Card issued by Chase. Because XXXX was a strictly online platform and also due to the coronavirus Pandemic, there was no way for me to check and verify the condition of the car before shipment to my address. The merchandise was delivered at exactly XXXX XXXX Eastern time on XX/XX/2022. I paid for the shipping and delivery as well. I took the car to XXXX XXXX XXXX, an auto mechanic shop for Inspection on XX/XX/2022. They found out that the car was in an IRREPARABLE state and they told me that my only option was to return the merchandise to the seller for a refund. The mechanic explained to me that not only that the car was irreparable, it was in fact not an ALL WHEEL DRIVE vehicle because the DRIVE SHAFT was missing from under the car ; the component of XXXX cars that make it possible for them to function as all wheel drive vehicles. I took pictures of the car and contacted the merchant immediately. I contacted the merchant on XX/XX/2022. I informed them that the car was a total loss ( as determined by the mechanic garage ) and I sent them the evidence and documents to support my claim. At first, I requested a full refund but the merchant was uncooperative so instead, I requested for a 60 % refund on the price I paid for the car as a compromise. XXXX denied the existence of the problems with the car and my refund request. They blocked me from their platform and denied me access to my account ( I created with them in other to purchase the car ). This made it very difficult for me to continue the dispute resolution with them. So when I could not resolve the dispute with the merchant, I resorted to disputing the transaction through my credit card issuer Chase. On XX/XX/2022 I contacted Chase, my credit card issuer, to dispute the charge for {$5000.00}. I told them that the reason I am disputing the charge is that " THE MERCHANDISE I RECEIVED FROM XXXX WAS IRREPARABLE AND NOT AS DESCRIBED ''. In addition, I told them that XXXX has blocked my account with them and therefore making it impossible to continue my resolution with them. The Chase dispute department mishandled my claim from day one. Like XXXX, I sent them all the documents and evidence supporting my dispute through their secure message center on XX/XX/2022. On XX/XX/2022, they wrote to me that the charge ( {$5000.00} ) had been temporarily removed from my account while they researched the claim. On XX/XX/2022, After 87 days into the dispute, I noticed that the balance in my credit card account had suddenly increased by {$5000.00}. There was no communication of any kind from Chase that they had reached a decision on my claim, all I noticed was that my credit card balance had suddenly increased. I contacted them immediately for clarification. In my conversation with them, they acknowledged that they did not consider the documents I sent, they had only considered the documents the merchant provided to them showing that a transaction was carried out in a valid way. They completely negated the main reason why I filed the dispute in the first place ; which is " THE MERCHANDISE I RECEIVED FROM XXXX WAS IRREPARABLE AND NOT AS DESCRIBED ''. While still on the call, the representative concluded by saying that my only option going forward was to go back to the merchant to try to work with the merchant to resolve the dispute. I explained to the representative that the documents I sent them through their secure messaging center on XX/XX/2022, had evidence that showed that the transaction was fraudulent because XXXX MISREPRESENTED the condition of the car they sold to me. I also reminded her that I could not resolve the issue with XXXX because they blocked me from their platform. It became clear to me that they ignored the evidence I sent them earlier and reasons I have given them for the dispute so, I requested to speak with their supervisor to further escalate the dispute. I spoke with the supervisor and expressed my dissatisfaction with the way the Chase dispute department handled my claim. I told her I would like to exhaust all my options with Chase before looking elsewhere. At the end of the call, I requested to file for a redispute since they mishandled my first dispute. She provided me with instructions on how to file a redispute, including a physical mailing address and fax number. So again, I prepared a more than 10 page document with a letter explaining my dispute with XXXX. In the letter, I explained the chronology of events with XXXX. I labeled the documents/evidence that I have gathered to make it really easy for them. On XX/XX/2022, I faxed all the documents instead of mailing them so that it will reach them faster. After I had sent in the fax, for the next several days I called them to confirm receipt of the documents. By XX/XX/2022, they acknowledged to me on a phone call that they had received all the documents I faxed to them. On XX/XX/2022, they sent me a notice that they were researching the redispute. On XX/XX/2022, I received a mail from Chase dated XX/XX/2022, and it read thus " we consider the charge valid based on the results of our research. '' I figured that the letter was from the first dispute, the notice I never received before they suddenly increased my credit account balance. On XX/XX/2022, I received another notice in the email which reads, " We confirmed that the transactions you disputed are valid. '' I called the representatives for clarification. The first representative told me that they had only received a photo from the more than 10 page document I faxed to them on XX/XX/2022, and the call was cut off. I called again and the second person said they did not receive any documents from me ( this was after telling me on more than one occasion that they had received the documents I faxed ). I requested to speak with a supervisor to resolve the issue but she told me that i could not resolve the dispute with them any longer. I have the evidence to prove that I sent them relevant documents in the first dispute that they failed to review. I have the evidence to show that the more than 10 page document I faxed to them for the redispute was sent. Yet again, they failed to take my documents into consideration during their research despite all my efforts. To summarize : I purchased a used car from XXXX that was falsely advertised and it was declared irreparable on delivery by a professional and licensed auto shop. Acting on the advice of the Auto Shop, I contacted XXXX, conveyed the problem with their merchandise, sent them evidence, and requested a refund. XXXX not only denied the existence of the problem and refused my refund request, they also blocked me from their platform and deactivated my account. This left me with the option to dispute the transaction with my credit card issuer Chase. I disputed the transaction twice with the XXXX XXXX dispute department twice. I sent them batches of documents/evidence twice, and twice they failed to acknowledge and consider my documents/evidence. In all these interactions with these companies, I had evidence that was ready to prove my case but these companies failed to act. The bottom line is ; I can not pay for a car that was declared irreparable ( with proof ) by a licensed, certified, and professional roughly a day after it was delivered to me. I do not have that kind of money to waste. I have come to you CFPB as my only hope for justice in this matter. Please help me. Sincerely | ||||||
| 09/05/2017 | Yes |
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| To whom this may concern, I am contacting you in regards to a recent issue at hand, that was terribly dealt with Chase Bank. Unfortunately, I became a victim of a scam and was disappointed in the way this whole situation was handled, as no one could help me resolve this issue. I was held fully liable for this problem, despite being the victim of the scam and fraudulent activity I encountered with the scammers. Unfortunately, I encountered this scam during my job search. I was wrongfully lied to by the employer who pretended to be a hiring personnel from a company known as XXXX. The interview process conducted online on XXXX XXXX, XXXX, and I was informed that I had gotten the job as a XXXX XXXX XXXX, but a requirement for this job was the need of certain work related equipment such as laptops, printer, scanner, and software applications. I was told that I would be provided with funds to cover the cost of the equipment. I received fake checks that were from XXXX XXXX XXXX coming from XXXX XXXX University. I was not aware initially that this was all a scam, and that the checks were not good. The first check that I received was for {$1300.00} on XXXX XXXX, followed by a second check the next day for {$4200.00}. These funds were supposedly going to cover the cost for all the work equipment for the job. I was informed by the scammer posing as the employer, to deposit these checks and I performed the deposit of the checks via the XXXX mobile app. After depositing these checks I was informed by the scammer to withdraw the funds that I received, so for the first check after confirming with XXXX representatives that the funds that were deposited was good and nothing was wrong with the check nor the transaction, I had then withdrawn an amount for {$1300.00}, as instructed by the scammer. I was told to withdraw the amount in cash, and then deposit into the given account provided by the scammer. The scammer who posed as the employer instructed me to deposit the amount of {$1300.00} into an account that was supposed to be the vendor who would provide me the equipment for the job. The account was under the name of XXXX XXXX who also is a XXXX member with the account number as provided by the scammer XXXX. This deposit was performed on XXXX XXXX, XXXX. This individual who was supposed to be the vendor had received the deposit of {$1300.00}. I was informed that everything was good by the XXXX representatives that I spoke to in regards to the transaction and the money, but only to find out a week later that the check was bad, and that I was liable for that {$1300.00} as my debit card was restricted on the evening of XXXX XXXX, XXXX, as I had no access to both my checkings and savings account. A day after that deposit had been performed, I gathered confirmation and details on the employer as being a scam. Within less than XXXX hours, I alerted XXXX of this issue on XXXX XXXX, XXXX, and provided XXXX with full details about this scam as well as the checks that I deposited. I was told that everything would be alright, and that I wouldnt be impacted as much as I was recently. I spoke to a XXXX representative who told me the restriction would be lifted after the bad check came back, and that my account would be fine. Also after a few days I returned to the local branch where I performed the deposit, and spoke to a XXXX XXXX, who helped inform about my account and its recent restriction that occurred. I had been provided details by the banker, that the individual who I deposited the money to, with the account number XXXX had some interesting activity occurring in his account and his transaction history was questionable and suspicious. Another XXXX banker who was the Vice President of a branch in the city of New York, had informed my father that this XXXX XXXX had a large amount of money within his account. Basically, this individual posing as a work-vendor to me, has a lot of suspicious activity and amounts occurring within his account. This individual with that account number was also the receiver of the {$1300.00} that came from the bad check that I deposited. My account fell victim to the bad check, which was the first check I deposited to the vendor who affiliated with the scammer. I was held liable for the {$1300.00} of the first check I deposited online. Despite all the evidence and account information I have of the scammer, XXXX could not help me whatsoever. I asked to see if there was a reverse charge possible to the account of XXXX XXXX, of the amount of {$1300.00}, but I was unable to be assisted with this, despite XXXX XXXX having a genuine account with XXXX. No action could be performed against him, but instead I was fully liable for the amount at hand. I asked if there was a way to freeze the amount of the {$1300.00} that was now in this XXXX XXXX XXXX account, which banks can easily do. I was being blamed and fully held liable for the {$1300.00} despite earlier confirmations from XXXX representatives as the check being good and XXXX further allowing this transaction to occur in the first place. XXXX made a mistake in allowing such an event to occur and not even properly notifying me about the situation at hand. My checkings account faced a negative in balance, as whatever I had in my checkings account prior the deposit was also taken, and I lost that money. To add insult to my conflict with a scammer, without my consent nor notification XXXX had withdrawn money from my savings account, for the remainder of the amount from the {$1300.00}. The {$1300.00} was the total amount I was held liable for, and XXXX withdrew the remainder of the amount from my savings account to fulfill the fee and restrictions on my account. I was told that an investigation would occur and that XXXX would help me in ultimately resolving this issue, but only to find out that on XXXX XXXX, XXXX that the amount that I was held liable for due to the bad check, was fully withdrawn out of my accounts. Being a college student, I needed the money that was in my account, this was my own money that I worked and saved for, but I wanted the situation at hand to be resolved, but only to NOT be notified about the withdrawal from my savings account. Without any notification from XXXX they just withdrew the money from the savings, and also without my consent. They made no attempt to resolve the issue. I was told I had control on my savings account to transfer money into the checkings, but instead XXXX went ahead and withdrew money from my savings to fulfill the remainder of the {$1300.00} fee. Despite relentlessly informing I ran into a scam and that I was fooled by the scammer into depositing a bad check, I was still held fully liable for the event that occurred. I felt completely mistreated by XXXX, and being a victim of this terrible scam I was also discouraged with the poor service of XXXX for the actions they took. I did everything possible as per what the Bank told me to do, yet they did n't even notify me when they withdrew the full amount of {$1300.00} from my accounts. I even reported this incident to the police and I received a case number. XXXX XXXX from the XXXX XXXX Police Department had also inquired as to why the bank took out the money without consent nor any sort of notification in regards to the withdrawal, as he also found it wrong for the bank to take money from me without resolving the scam at hand. Chase Bank did not bother to even help further with the situation, and was extremely unhelpful to their own client, as they had the audacity to not even inform me that they would take out money from my savings account without my consent or awareness of that withdrawal. Thanks for your time and consideration. | ||||||
| 06/18/2020 | Yes |
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| FRAUD WAS COMMITTED ON 4 MAJOR CREDIT CARDS AT VARIOUS STAGES. CHASE BANK AND XXXX XXXX WERE ALERTED AS SOON AS THE FRAUD WAS PERFORMED, THEY WERE GIVEN COPIES OF THE XXXX XXXX XXXXXXXX XXXX OFFICE [ XXXX ] REPORT AND THE XXXX ECONOMIC CRIME 'S DIVISION DETECTIVES REPORT. THE DEPUTIES AND DETECTIVES TRIED COMMUNICATING WITH CHASE AND XXXX XXXX, WE DO NOT UNDERSTAND WHAT THEY ARE SAYING. FRAUD DIVISION KEPT TELLING THE SERGEANT " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' ( CHASE ) AND WITH XXXX XXXX THEY JUST STATED " CHASE BANK NA ALERTED US OF FRAUDULENT TRANSACTION PERFORMED ON CREDIT CARD '' THE DETECTIVE DID ASK WHERE AND WHEN. HE DID FIND IT VERY STRANGE THEY WERE ALL ( ALL 4 OF THEM ) WERE DONE AT THE SAME TIME AND SPENT ALMOST IMMEDIATELY? BUT BOTH CHASE FRAUD AND XXXXXXXX XXXX FRAUD DIVISION WOULD NOT STATE WHAT THOSE ITEMS WERE. EVEN WHEN THE SERGENT BARKED AT THEM AND SAID " SHE'S STANDING HERE IN FRONT OF ME, I WILL PLACE AN ARREST ON HER SINCE YOU'RE ACCUSING HER. NAME ME THE ITEMS THAT WAS SUPPOSEDLY STOLEN WITH 'HOT MONEY '. '' MY XXXX MOTHER OVERHEARD THIS CHASE FRAUD GUY, SOUNDING YOUNG JUST TOLD THE SHERIFF 'S THAT " PURCHASED A 60 '' WALL MOUNT SMART TV, XXXX, XXXX TABLET '' BEFORE SOMEONE IN BACKGROUND TOLD HIM TO SHUT UP. [ YES, THERE'S A PROBLEM WITH THAT. XXXX AND I DO NOT GET ALONG, WE DO NOT SEE EYE-TO-EYE, I AM A CERTIFIED ( RETIRED ) XXXX XXXX. AND THEY KNOW EXACTLY WHAT I HAD ON ME AND IN MY PROPERTY. ] SERGENT ( INTERRUPTED ) WHERE WERE THEY PURCHASED? WHAT STORE? I WANT TO SEE THE VIDEO. '' CHASE FRAUD DIVISION : " ONLINE. '' THE DETECTIVE CHEWED HIM OUT, TOLD HIM TO FAX THE LIST OVER TO HIM AND ALSO SPECIFY WHERE ITEMS WERE SHIPPED TO. CHASE FRAUD TEAM SAID " ITEMS WERE SHIPPED AND DELIVERED TO XXXX, TEXAS, WHERE " HER SECOND RESIDENCY '' WAS LOCATED. '' FROM THERE, BOTH SERGENT AND DETECTIVE WERE YELLING AT THEM. REMINDED THEM THAT THE FRAUD WAS ALREADY REPORTED. SO WHY DIDN'T YOU WORK WITH THE CUSTOMER TO FIX THE PROBLEM? INSTEAD, YOU THREW HER OFF WITH NO KNOWN HISTORY SINCE XXXX OR SOMETHING LIKE THAT? THEN HARASS HER FOR PAYMENTS FOR ITEMS SHE DIDN'T BUY OR EVEN HAVE IN HER POSSESSION? PLEASE ADVISE ONE MORE TIME THE SPECIFIC REASON WHY YOU SHUT HER DOWN COMPLETELY? ( XXXX XXXX HAD DISCONNECTED THE CALL, HOWEVER, CHASE BANK REMAINED ON THE LINE ) HE WAS TOLD " IF YOU WANT FURTHER INFORMATION, PLEASE PROVIDE US A WARRANT. '' THEN THE DETECTIVE CAME UP AND SAID " WHY DID YOU SHUT HER DOWN AT THE LOCAL BANK FOR? '' MY MOTHER HEARD IT, THREE DEPUTIES ( ONE BEING A SERGENT ) HEARD IT, THE DETECTIVE HEARD IT, MY 2 NEIGHBORS HEARD IT - I DIDN'T HEAR IT BECAUSE I AM PROFOUNDLY XXXX. CHASE FRAUD DIVISION ( WHICH HE GOT TERMINATED ) " BECAUSE SHE'S A XXXX, A XXXX XXXX, LIVING OFF OF WELFARE AND USING AN XXXX WOMAN TO DEPOSIT LARGE SUMS OF MONEY INTO HER ACCOUNT. '' DETECTIVE DID ASK " SHE'S A XXXX XXXX, SHE'S NOT XXXX, HER MOTHER IS AMERICAN AND IS WHITE. ARE YOU SURE YOU ARE TALKING ABOUT THE SAME PERSON? HAVE YOU EVER SPOKEN WITH HER? AND PLEASE ADVISE WHAT LARGE SUM OF MONIES CONCERN YOU? '' CHASE FRAUD DIVISION ( SAME FELLOW ) " SHE HAS AN XXXX WOMAN PUTTING ONE THOUS IN HER ACCOUNT '' DETECTIVE " SO? IS IT EVERY DAY? ONCE A WEEK? WHAT? '' CHASE FRAUD DIVISION : " ONE THOUS EVERY MONTH. SHE'S SCAMMING OLD PEOPLE. '' DETECTIVE : " NO SHE IS NOT. '' CHASE FRAUD DIVISION : " YES SHE IS, AND I CAN PROVE IT. I WILL PROVIDE ONCE YOU REQUEST IT, WHO THAT OLD XXXX IS! '' DETECTIVE : " HER MOTHER, SHE IS STANDING RIGHT IN FRONT OF ME. SHE ALREADY TOLD ME SEVERAL TIMES IN THE PAST, THE ESTATE OF HER DECEASED FATHER, BOTH DAUGHTERS GET XXXX XXXX A MONTH. IT IS NONE OF YOUR BUSINESS ANYWAY. '' CHASE FRAUD DIVISION " ( PROFANITIES ) '' AND DISCONNECTED THE LINE. IT WAS ALREADY REPORTED AND DOCUMENTED, I HAD ALREADY PROVIDED THEM THE POLICE REPORT FOR EACH 3 CHASE CREDIT CARD AND 1 XXXX XXXX CREDIT CARD. CHASE BANK AND XXXX XXXX WILL NOT SPEAK WITH ME. THE INCIDENT HAPPENED IN XXXX. I WAS PAYING THE BALANCE I ACTUALLY OWED BASED ON THE LAST STATEMENT I HAD ; THEY WOULD NOT REMOVE THE FRAUDULENT CHARGES. THE DETECTIVE FOLLOWED UP WITH CHASE IN XXXX, AND HE TOLD ME TO STOP PAYING THEM. WITH XXXX XXXX, THEY KEPT PROMISING TO RESTORE MY ACCOUNT, PUT MY STATEMENT AS IT WERE PRIOR TO THE FRAUD EVENT. I AM CURRENTLY STILL PAYING XXXX XXXX BUT THEY HAVE NOT REMOVED THE FRAUDULENT TRANSACTION NOR HAD THEY EVEN BOTHERED WITH RESTORATION OF THE ACCOUNT. BY RESTORATION : MOVE THE ORIGINAL BALANCE PRIOR TO THE EVENT TO ANOTHER NEW MASTERCARD. BOTH CHASE AND XXXX XXXX REPETITIOUSLY ON A KNOWN FRAUDULENT CASE, DID INCREASE MONIES, DID INCREASE FEES, DID INCREASE INTEREST, AND WITH THREATS OF " CONTINUE TO DO SO TO HARM A VICTIM 'S CREDIT '' WITH A KNOWN REPORTED AND DOCUMENTED FRAUD EVENT. WHILE I HAVE RELATIVES AND FAMILY MEMBERS IN XXXX XXXX ( RETIRED ). THEY ARE UNABLE TO DECIPHER WHAT " '' '' ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' '' '' WAS SUPPOSED TO MEAN. THE DETECTIVES ARE CLUELESS, I'VE PERSONALLY SPOKEN TO BRANCH AND BANK CEOS FROM VARIOUS FINANCIAL INDUSTRIES, AND NOT ONE SINGLE PERSON COULD EVEN UNDERSTAND WHAT THAT IS SUPPOSED TO MEAN. THE FACT CHASE THEMSELVES SHUT MY PERSONAL BANKING ACCOUNT DOWN IMMEDIATELY, DID CAUSE ME HARM AS MY SOCIAL SECURITY WAS DIRECT DEPOSIT. AND THEY DID REFUSE TO PAY BILLS THAT WERE PAID ELECTRONICALLY. INSTEAD, GAVE ME MONEY ( CASH ) FROM THE TIME THEY DID SHUT DOWN. I JUST WENT TO XXXX XXXX SINCE I'VE HAD THEM FOR YEARS - THEY KNEW WHAT WAS GOING ON BETWEEN CHASE AND XXXX XXXX. QUITE FRANKLY, WAS EXTREMELY EMBARRASSED BY THEIR COMPETITOR 'S BEHAVIOR. THERE WERE NO EXCUSE FOR THIS. AFFIRMATIVE, XXXX XXXX KNOWS ALL ABOUT THIS ABOVE AND THEY, THEMSELVES HAVE NO IDEA WHAT : " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' WAS SUPPOSED TO MEAN EITHER. IN FACT, HE HAD SUMMONED THE CORPORATE OFFICE TO GET THEIR LEGAL TEAM TO ADVISE, AND XXXX FEW DAYS LATER, THEY RESPONDED WITH " TECHNICAL GIBBERISH, TRYING TO BE A HOT SHOT WITH FANCIFUL WORDS. '' BASICALLY, CHASE FRAUD TEAM WAS RUNNING OFF THEIR MOUTHS WITH NONSENSE. ONCE AGAIN : CHASE WILL NOT SPEAK WITH ME. XXXX XXXX AS OF XXXX, WILL NO LONGER SPEAK WITH ME I AM NOT ALLOWED TO BE ON ANY CHASE OWNED PROPERTY THAT CONTAINS CHASE BANK - THEIR FRAUD TEAM ISSUED THE WARNING AND WOULD PROVIDE ALL CHASE BANKS MY FACIAL TRACING THAT I WOULD BE ARRESTED IMMEDIATELY IF FOUND AT ANY OF THEIR BRANCHES. IN FACT, THE SHERIFF 'S OFFICE WERE IN A DISTANCE JUST TO SEE IF CHASE WOULD HOLD THEIR WORD BECAUSE THEY SHUT MY CHECKING ACCOUNT DOWN INSTANTLY AND THEY HAD TO PAY ME. THE LOCAL BRANCH MANAGER WAS SO ANGRY ( SHE ORIGINALLY CAME FROM ANOTHER BANK THAT WHERE I HANDLED THE LOCAL CHURCH 'S FINANCES AND WAS A DESIGNATED AUTHORIZED PERSONNEL ( NOT A GUARDIAN ) FOR SOME ELDERLY FOLKS TO HANDLE SOME OF THEIR AFFAIRS. ) THAT SHE REFUSED TO EVEN CALL THE LOCAL AUTHORITIES TO HAVE A " TRESPASS '' WARNING ISSUED AGAINST ME, SHE ALSO LEFT THE BANK AS WELL IN PURE DISGUST. SHE WAS AT LOSS FOR WORDS THAT CHASE FRAUD TEAM WOULD GO THROUGH THAT EXTREME MEASURES AND FELT TERRIBLE THAT THEY CALLED MY MOM AND XXXX XXXX. SHE WAS THAT ANGRY WHERE SHE CALLED HER SUPERIORS TO LET THEM HAVE IT ; ONLY TO FIND OUT THAT 4 OF THOSE BOYS IN THEIR FRAUD DIVISION WERE ALREADY TERMINATED ( THAT WAS ONE WEEK BEFORE SHE LEFT ). ODDLY, I DO NOT HAVE A SECOND HOME AND NEVER BEEN TO TEXAS. I AM NOT XXXX, I AM XXXX XXXX, I AM RETIRED XXXX / XXXX EMPLOYEE. | ||||||
| 08/31/2020 | Yes |
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| I called Chase on XX/XX/XXXX to tell them there are fraudulent activities on my credit card account. All the charges were coming from XXXX XXXX. It is keep going for over 2 weeks. They asked me if I am still having my credit card with me? I tell them yes. They asked me if I share my electronic devices or credit card to someone else? I told them no. Recently, I only use XXXX for my XXXX years old daughter to watch XXXX and that it is. We did not add any card information to my daughter account at all. So, there is no reason for XXXX charge me over {$17000.00} in two weeks. Since my old XXXX account compromised, XXXX refuse to help me recover. My family start using XXXX for more security. They removed all the charges in the next business day. And asked me to wait for 5 to 7 business days for investigation. Later on, while investigate my case with other banks. Somebody used my old XXXX device or my old XXXX XXXX to commit fraud. On XX/XX/XXXX, Chase put back all the fraudulent charges into my account without give me a notification or give me a call. All I see is the reason I got benefits from the fraud. I called Chase on XX/XX/XXXX to ask for an explanation. The first fraud department agent didnt help me much. I asked her why you guys put back the charges into my account? She just said that my fraud case denied and did not give me a reason why. I asked to speak with a supervisor. She transferred me to XXXX, Supervisor of Fraud Department. XXXX told me that the reason my case was denied that I have done business with XXXX before. I told XXXX that does not satisfy my concern. I used XXXX in the past but if someone use my identity or hack my financial accounts to purchase from XXXX, that is fraud. I asked XXXX that if you denied my fraud claim, you should have evidence to prove that I was the one made those charges on my account. Please do not give me a random reason that does not make any sense to me. I asked for IP address, etc.. XXXX does not have that information. XXXX told me that Chase sent me a text to confirm my purchase on XX/XX/XXXX and I confirmed it. I asked XXXX what phone number Chase sent me a text message? Because I have not received any text from Chase at all. I could stop the fraudulent charges right there if I know. XXXX told me that Chase sent me a text on my phone number ending XXXX. The problem is that number doesnt existed On XX/XX/XXXX. I asked XXXX to reopen my case. XXXX told me to send more evidences like my XXXX device screenshots, XXXX chat transcript and etc. to Recovery team and they will get back to me between 5 to 7 business days. I sent all the information best of my knowledge to XXXX on same day. I received an email from XXXX XXXX after few hours and ask me to wait 5 business days before I have an update on my case. I believed all of the conversation were recorded and I am swearing that everything I told is the truth. XX/XX/XXXX, I have not received any update on my credit account or any notification that they process my case. I called chase, they told me that look like nobody work on my fraud claim yet. I also sent them my identity theft report document from Federal Trade Commission on Identitytheft.gov. XX/XX/XXXX, Chase have not contacted me about my fraud claim. Chase have not removed the fraud charges and wait for it to resolve. They put back all the charges into my account since XX/XX/XXXX, and let me wait without responding. From XX/XX/XXXX to XX/XX/XXXX, Chase have not contacted me, discuss about the matter, resolve the matter and protect its customer. I have worked on 3 different banks with all the fraud involved, Chase is the worse. Two banks already helped me remove the fraud charges ( document attached below ). Chase is not willing to help, lack of communications. Chase just want to blame me and responsible for the charges without listen to my story. Since talking with different banks, I have more information about the fraud and I believed I can build a strong case. Since there is nobody from Chase willing to help, I am writing this matter to CFBP and hope Chase will re-investigate my case and remove all the fraud charges under my name. Evidences : I mentioned on XX/XX/XXXX, the email address and XXXX account associated with the fraud has been compromised a while ago. I do not have access to them and XXXX was not willing to help so I just created new account but I have not used the new Apple account to buy anything from XXXX. I do not own the account or the device associated with the fraud ; Do I get any benefit from it? No! Chase said that they sent me a text on XX/XX/2020 to confirm my purchase with XXXX and I confirmed it. But when I asked XXXX, Chase fraud the department supervisor. XXXX told me Chase sent me a text via phone number ending XXXX on XX/XX/2020. That phone number does not exist at that time. So, who confirmed it? In my view of point, Chase failed to contact me and let the fraud going. XX/XX/XXXX, I contacted XXXX to get more information and asked if they can refund the charges. They asked me to wait 24-48 hours. XX/XX/XXXX, XXXX ban the account XXXX associated with the fraud without refund the charges. I asked for the reason, XXXX said that Based on XXXX Term and Conditions, XXXX wont be able to refund the charges, your account has been disabled in the XXXX and XXXX that is XXXX final decision. I keep asking that if XXXX ban the account associate with fraud, why XXXX not refunding the money relate to it? XXXX said that they XXXX the account because I reported fraud. Why XXXX ban the fraud account, refuse to help but hold on to the funds? If merchant take back the services, they should issue the refund all the charges related. XXXX violates Consumer Rights. I sent this evidence to Chase on same day but Chase did not take any action protect my rights. To Chase : Do I get any benefits from this as your company mentioned? NO! Even if I have access to the fraud account, everything is taken away from XXXX. And a big amount of money being charged in my chase bank credit card account. Since working with different banks on fraud charges. I believed someone broke into my previous device or my old XXXX account during the incidents. Then use it to recover my personal data and use them. Once again, I do not own the device, or XXXX Id relates to the fraud charges during the incidents. But it relates to my personal information, I can not share it up here. Chase need to send me an email and ask me to provide them. I reported the fraud charges same day on XX/XX/XXXX with few different banks. Two banks already help me remove the fraud charges that is XXXX XXXX and XXXX XXXX XXXX. Even with XXXX XXXX XXXX, they still help me and protect my rights. XXXX credit card was bond to my XXXX XXXX, if XXXX XXXX bank, XXXX bank do not think my device, XXXX XXXX was compromised, they would not remove the charges. To Chase : Instead of blaming your customer and do not take any effort to investigate the matter, please help your customer like me when there is a problem. Otherwise, you will lose a customer like me forever. I spent three days to write this letter to CFPB. I hope my broken English will not create any misunderstanding. In my point of view, XXXX bank as Chase, Merchant as XXXX both Violates consumer rights. I will not let this case goes. Even I have to find an attorney to fight for me, I will. So, Chase please investigate this matter seriously and correct my statement. You can contact me via my phone number ending XXXX or email me at XXXX. To CFPB, please do not close this complaint until I satisfied with Chase actions. Document Includes : Identity Theft Report, Proof of other Bank Actions. | ||||||
| 01/16/2018 | Yes |
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| What a nightmare this is : I am XXXX XXXX besides having XXXX XXXX XXXX in which this nightmare of almost 3 months has not helped the emotional stress on my XXXX ; XXXX XXXX either. I made a purchase from XXXX I received furniture items that the boxes were pretty damaged when XXXX dropped them off by due to my physical impairments I have to wait for assistance to put items together. My neighbor XXXX and his wife XXXX XXXX XXXX are witnesses to the damages to these 2 items. XXXX came over and opened the coffee table and the top was damaged and he immediately put the top back into the box and retaped it and I contacted XXXX to report the damage XXXX/XXXX/XXXX. XXXX at XXXX and XXXX, I shared the patterns cocktail table item XXXX XXXX was damaged from order number XXXX. I had to keep repeating myself several times to customer service. She told me just to leave the box outside on XX/XX/XXXXand XXXX would pick it up. I noted, you expect me just to leave an item over XXXX outside and have XXXX pick up this coffee table? She responded by saying, yes. I told her I would not do that. She then noted she would send me a return label and I could take the coffee table to XXXX myself. She also told me to make sure I call back in 2-3 days to make sure I let XXXX know that indeed I took the coffee table into XXXX and that way they can track and provide me my refund back on this table. XXXX plus ^percent sales tax. I shared I definitely would. XXXX sent me a label : XXXX. OnXX/XX/XXXX I did take the coffee table to XXXX XXXX. XXXX was XXXX in which I have the receipt. Fri XX/XX/XXXX XXXX. XXXX/XXXX/XXXX XXXX and his wife XXXX came back to check out the XXXX XXXX in TV stand in which this box was also damaged. XXXX opened the box and this was also damaged in the front, on the top of the tv stand. I again contacted XXXX XXXX XXXX, XXXX while XXXX and XXXX were sitting here and speaker phone was on and I was on hold 60 mins, I again noted order number XXXX, item number XXXX and it was XXXX 60 inch mahogany XXXX without 6 % sales tax. Again, I had to keep repeating the same information over and over and over again. I was informed XXXX would come pick up the TV stand that day and XXXX finished taping it for the return in which he used an entire roll of mailing tape. XXXX came to pick it up and the XXXX man noted he had a slip for a 20 lb package and the package is way bigger than the slip he had and he asked the 2nd XXXX person, who was a woman to help take the package. I told him it was a 60 inch TV stand. He provided me with a receipt : XXXX. I questioned why he said, 20 lbs, I seen when the worker sent me the other return label it also said 20 lbs, I contacted XXXX again, XXXX XXXX XXXX at XXXX and on hold 69 minutes. I wanted to clarify if they had both the right pieces coming back. I had also ordered 2 end tables that were 20 lbs. I again had to go over and over the order number and 2 pieces that I was returning XX/XX/XXXX. That I was returning the 43 lbs plus coffee table and way over 80 lbs for the TV stand. She said she had the information correct and not to be worried and to make sure I follow up with JXXXX so they can track the returns themselves. I shared that certainly I would do to the numerous problems I was having with XXXX since I placed this order. I did follow up with XXXX XXXX on XXXX XXXX XXXX XXXX spoke to XXXX, she said I would be credited back XXXX authorization XXXX. It would take 7-10 days to see the return of XXXX. That yes, indeed the package 's were tracked. I also asked her why XXXX was here today to pick up 2 packages because I was confused. I already took the one coffee table back to the XXXX MI XXXX and XXXX came to get the XXXX 60 in TV Stand on XXXX/XXXX/XXXX. She shred she did not know why but she tracked the 2 packages, coffee table and TV stand has been successful returned and my credit of XXXX would be credited in 7to10 days to my credit card. My stomach was telling me something was not right about this, first the XXXX label I was emailed noted 20 lbs, the XXXX pick up weight was 20 lbs. Then going over and over the same information, having XXXX come back again after the 2 items were returned, I thought I better file a dispute with my credit card Chase and I did. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX called from Chase to go over the damages to the tables for the dispute. She was only concerned about the damages. She never asked me about the XXXX numbers I had to prove the 2 above tables were returned. She stated if Chase needed any further data they would contact me. She noted that I would receive a temporary credit for 15 days while this was in dispute. That on XXXX XXXX, XXXX they had to address with XXXX. XXXX/XXXX/XXXX I still had not received my credit of XXXX from XXXX and I contacted them again, XXXX XXXX and on hold again, 33 minutes, Spoke to XXXX supervisor Shared the order number, 2 XXXX numbers for the returns, all the other times I called and still no refund, I went over one step at a time noted above for the order number,! Z XXXX numbers and item numbers and description 's of what was returned. He put me on hold a couple times. Said he was still checking trying to refund but having trouble. I shared Chase had a dispute about this claim of XXXX of the coffee table and 60 inch TV stand. He said the return again was having trouble for the refund back into my account. Then he shared it finally went in XXXX XXXX in the amount of XXXX is being process back to my charge card it will take 7to10 days. I left secure messages for Chase on my account regarding an update on this case. I received only one letter dated XXXX XXXX, XXXX noting a temporary credit of XXXX .Nothing from Chase after that.. No responses from Chase. Then I finally called, XXXX/XXXX/XXXX and asked what was going on and he said their are notes on this case but the dispute center was already closed and I should be receiving a letter it must be stuck in the holiday mail. I noted I would contact after the holidays then. I received the letter from Chase, XXXX XXXX XXXX. dated XXXX/XXXX/XXXX I contacted chase dispute center and spoke to XXXX supervisor, He shared it will take 30 days, he will put it back into dispute. Not 30 business days. A total of 30 days. He said he needs no further information. I questioned that, the summary of the investigation noted : we contacted the merchant..we found that the merchandise was not returned. Do you want tracking information? He stated no, we do not need anything right now, if we do, we will contact you. I noted I seen XXXX rebilled my Chase account again for XXXX for the furniture already returned XXXX XXXX. Chase to me, failed in their investigation in my coffee table and 60 inch TV stand being returned by XXXX per XXXX return policy on furniture. I verified the XXXX pieces were returned by follow up phone calls to XXXX. I also filed a dispute with Chase on the XXXX in charges on the damaged furniture I received and was returned. I followed up with Chase and Chase never asked me for further data that they could have checked themselves to see the furnite items were indeed returned by XXXX XXXX, XXXX. I shared with XXXX at Chase that I would follow up with a formal complaint with the FTC in regards to the lack of investigation of Chase and allowing XXXX to rebill me in the amount of XXXX after the furniture was returned per XXXX policy, one returned via XXXX XXXX and one being picked up at my house XXXX/XXXX/XXXX. Thank you for listening. If I can provide a copy of the 2 XXXX return data on this case, Please contact me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX/XXXX/XXXX | ||||||
| 06/13/2023 | Yes |
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| On XX/XX/XXXX, I contacted Chase Card Services to open a dispute for the charge. I explained the nature of the dispute, was put on hold for a moment, and the person came back and immediately said I was not eligible and the dispute was closed. I had not even been given an opportunity to provide documentation for the dispute. I requested to speak with a supervisor and was connected to XXXX ( XXXX ) XXXX in the dispute department. She reiterated the same statement the previous person made and said I was not eligible. She was short and curt. Every time I tried to speak, she interrupted me to say the same thing, the merchant provided the service and you must pay. I tried numerous times to explain that the merchant did not provide the service according to the Contract. She refused to listen. I tried giving examples of situations that related, she told me they were irrelevant. She said, you stayed, you pay. I explained why we stayed ( because we were told things would be fixed, we were on vacation and had no where else to go, we were trying to work with the merchant to resolve the issues. ) She cut me off every time I tried to say anything. I asked to speak with someone above her, and she refused. I repeated this request, and she said if I wanted to talk to someone else to call back and do it. I asked to be transferred to someone above her, she refused. This escalated into an argument and we hung up. The original dispute follows, however I was never given an opportunity to give this information to Chase before they closed my dispute item within 3 minutes of me opening it. ) XX/XX/2023 Chase Card Services Dear Sir or Madam : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XXXX I am writing to dispute a transaction regarding a recent XXXX XXXX I booked a home with XXXX in XXXX, FL ( confirmation XXXX ) from XXXX XXXX XXXX, which totaled {$1800.00} on my Chase Freedom card. On XX/XX/XXXX, after checking in, I contacted XXXX about several issues with the home, including the garbage disposal, kitchen sink, and dishwasher which were not operable. I was told that local management would respond to resolve them. On XX/XX/XXXX, a repairman called to say that he had tried to access the home but we werent home and he could hear our dog barking and didnt go inside. I explained that we were out for the day at XXXX and tried to schedule with him for later that evening or the following morning, but he said he was unable. There were several other issues that became a problem, including the washing machine that leaked water all over the garage, that also needed fixing. I called the following day, XX/XX/XXXX, to schedule with him for another time, but there was no answer. I left a voicemail after the third unanswered call. I then sent an email to XXXX. I did not receive a response to either the phone message or the email. On XX/XX/XXXX, I tried again to schedule a time for the repairs by calling and then texting the repairman from management. I again received no response. On XX/XX/XXXX, I still had not received a response from local management or from XXXX, so I texted and called XXXX again. I was told that local management would be contacting be as soon as possible. I also later sent a second email to XXXX ; I did not receive a response. On XX/XX/XXXX, still nothing from local management, no response from the repairman, and an ever-growing list of problems in the home. I contacted XXXX again and asked to speak with a supervisor. I was denied this and told that the person I was speaking with would reach out to local management directly and call me back within 30 minutes. I explained all of the problems in the home and requested a full refund for the cost I paid, {$1800.00}. I received a call back from XXXX saying that they spoke with local management who would come fix the issues if I were to give them permission to enter the house with the dog when I am not there. I explained that, as it was nearing the end of Day 8, I only had one day remaining on my reservation and that even if a repairman could come the following day and fix all of the many issues ( which is very doubtful ), it would be my last day. My family and I would have stayed our entire reservation with no resolution whatsoever and a plethora of problems. The XXXX customer service representative said she would discuss this with local management and call me back. On Friday, XX/XX/XXXX, after having checking out of the home, a supervisor from XXXX called me to discuss the problems and apologize for the condition of the home. She said she would be contacting local management to resolve the compliant and address my refund request. On Monday, XX/XX/XXXX, the supervisor called me to say she had spoken with local management and offered a refund of {$180.00} for the loss of amenities listed in the description of the home. I explained that was not an acceptable resolution for a reservation that cost us over {$1800.00} and asked if I could speak with local management directly to discuss this. She said local management does not generally deal with customers and that I could not speak with them. She advised me to accept the {$180.00}. I reiterated the list of issues with the home we rented and rejected the {$180.00}. I believe XXXX will consider the issue resolved and take no further consideration of my complaint if I accept their consolation. Therefore, I am disputing the charge and requesting your assistance for a full refund for the cost of this reservation in the amount of {$1800.00} on the basis that the home was not as described in the listing ; many of the necessary appliances were broken and unusable ; local management did not return our calls to schedule repairs during our stay ; the home was not in the condition promised by XXXX when I booked it ; and I had to spend an exorbitant amount of time contacting XXXX and local management about the issues, which detracted from an enjoyable vacation and remained unresolved. Local management has refused to even speak to me and the supervisor at XXXX stated that only local management has the authority to issue a refund. I also filed a complaint with the XXXX XXXX XXXX, but XXXX has not responded to it as of yet. The issues are listed below with photos for documentation. I also have videos I can send by email if desired. Garbage disposal did not work Kitchen sink did not drain was backed up with filthy water ; we couldnt wash dishes or use the kitchen sink Dishwasher could not be run because of the draining issue ( the plumbing was connected to the sink and disposal and nearly flooded the sink when we tried running it ) Washing machine leaked tons of water all over garage floor ( with a tv and electrical cords in the water ) and could not be run during our stay ; the leaking soapy water created a hazard and my son slipped on it and fell in the garage Microwave was rusted and dirty Freezer was rusted and dirty Multiple holes in the walls No ceiling lights in bedrooms 2 and 3 ; no light switches All 5 smoke alarms and carbon monoxide alarms were constantly chirping and in need of batteries or replacement ; we finally had to disconnect them from the ceiling to make them stop Bedroom mattresses have springs poking up, sagging badly, in poor condition and extremely uncomfortable to try to sleep on ; they need replacing immediately Master bathroom toilet seat broken and slid off every time someone tried to use the toilet Blinds in living room are broken There is silverware for only 6 people, while the home is listed to accommodate 8 people Listing boasts a foosball table but the ball was missing so game couldnt be played and a pool table, but the cue stick was broken | ||||||
| 01/18/2022 | Yes |
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| In re : XXXX dispute with Chase Bank, N.A. d/b/a Chase/JPMorgan Chase Bank, N.A . Dear Madam/Sir : Background For more than 22 years prior to receipt of Chase Banks letter dated XX/XX/XXXX ( copy included as Exhibit A to enclosed summary ), Ive maintained what was initially advertised and offered as a lifetime free, no fee, no minimum balance, checking account. Indeed, for more than two decades, there was no minimum balance requirement and no fees were ever charged. Chase promoted, as I recall, the promise of free lifetime checking as an inducement upon which I relied to retain existing and/or attract new customers. According to the aforementioned letter from Chase, it now seeks to breach its agreement and convert the account to a fee and/or penalty based account if funds fall below a threshold of {$1500.00}, in addition to imposing other burdensome new terms and conditions. It ultimately effectuated its breach, violating the initial agreement, by imposing fees ( a poverty tax, in my view ) when I objected to the change and/or was unable to meet its new terms. In protest, I was coerced into surrendering the long-standing account to avoid incurring further penalties. While I recognize I may not be uniquely targeted by such a reversal of policy, I suspect, however, I may likely have been one of a few remaining class of depositor in possession of the subject account type in dispute. XXXX XXXX / Timeline of Events Attached herewith is my brief timeline summary of events. It provides further details of my interaction with Chase Customer Service representatives and my filing of an internal complaint with the bank, to no avail. ( See attached XXXX XXXX XXXX ) My request is simple. I would like Chase bank to, firstly, honor its contractual obligations and commitments to free checking for life according to the original and ongoing terms of the initial agreement ; and second, restore the account under the original terms and return the fee ( s ) imposed and deducted from the account. Furthermore, I would request it review and reconsider such predatory and misleading banking and promotional practices that only serve to inconvenience and harm unsuspecting depositors. Moreover, in my humble opinion, since repeal of the Glass-Steagall Act in XXXX in favor of the more XXXX Dodd-Frank Act of XXXX, and later its partial repeal in XXXX to lesser effect, there has been a continuous whittling away of any remaining protections and safeguards for average consumers. Chases conduct is eerily similar to the displays of hubris that lead to the economic collapse and resulting government bailouts of XXXX. It would seem very little reform has occurred in the interim. The entire banking system may yet again be on a path to collapsing under the weight of its own unbridled greed if it can, with impunity, cavalierly abandon depositors of modest means and its ethics. Respectfully, enc. XXXX XXXX XXXX XXXX ) DATE COMM TYPE SUMMARY NOTE ( S ) : On or about XX/XX/XXXXComplainant opened account with Chase featuring lifetime no fee, no minimum requirement free checking. XXXX Received letter dated XXXX XXXX from Chase indicating, in breach of the original agreement, it was unilaterally converting my formerly lifetime free no fee, no minimum balance account ( grandfathered/opened on or around XXXX ) to a fee based, non-interest bearing, {$1500.00} minimum balance Chase Total Checking account beginning XX/XX/XXXX. ( See, Chase letter dated XXXX, attached hereto as Exhibit A ) XXXX at about XXXX p.m. Visited Chase XXXX, OH branch to inquire about speaking with XXXX and/or closing account. The Teller indicated the Banker was on vacation for a week or so, and no one was available to speak with me. The Teller further indicated that I would need to visit another branch that would have access to my signature card electronically. XXXX at about XXXXXXXX XXXX Arrived at Chase XXXX, OH branch and spoke with Banker representative. I conveyed my concerns regarding the change to my account status, indicating that in light of the new changes, I would like to close the account, under protest. Banker representative researched the account history which appeared to confirm my claims. I requested a printout of the screen page for my record. ( See, Chase computer page printout, attached hereto as Exhibit B ) Banker representative suggested that I not close the account right away and that he would make inquiries for clarity on, if and how I might be affected by the changes. The two departments ( Consumer Relations & [? ] ) he contacted by phone, in my presence, indicated while they were uncertain they assumed the change attaches to the account name and not the account number, therefore the original account terms would remain in effect so long as the account number does not change, despite the letter. However, no one could say definitively. After some discussion, the representative suggested waiting until the changes to the account status was due to take effect ( XX/XX/XXXX ) in order to determine if the actual changes have occurred. I agreed and did as advised delaying closing the account ; but indicated, were penalty fees charged at that time, I would expect a reversal and/or waiver. I also proceeded with the filing of an internal complaint with Chase. Before departing, I made a credit card payment from the account. XXXX at about XXXX p.m. Received update letter from Chase, Branch Complaint Escalation Group. Letter referenced case number XXXX. Indicated Chase has been unable to reach me since submitting a complaint and that it would stop contacting me about it. ( See, Chase letter dated XXXX, attached hereto as Exhibit C ) NOTE : I had not received any phone calls, nor does my caller ID indicate any incoming calls from Chase as of the date of this letter ; nor had/have I received any other written communications regarding this matter from Chase prior to receipt of this letter. On or about XX/XX/XXXX Received Monthly Statement from Chase for period covering XX/XX/XXXX through XX/XX/XXXX. XXXX reflected no visible change to account status nor was there a {$12.00} fee reflected in the statement covering said period. XX/XX/XXXX at about XXXXXXXX XXXX Received combined correspondence and Monthly Statement from Chase for period covering XX/XX/XXXX through XX/XX/XXXX. Correspondence/Statement appears to reiterate and/or confirm Conversion of account, stating terms and conditions and waiving the monthly service charge if certain conditions are met, outlined in the correspondence. There is ambiguity regarding future imposition of a service fee. ( See, partially redacted account summary cover page attached hereto as Exhibit D ) XX/XX/XXXX Received Monthly Statement from Chase for period covering XX/XX/XXXX through XX/XX/XXXX. Chase willfully effectuated its breach of the agreement by imposing on the account a $ 12 monthly service fee ( a poverty tax, in my opinion ). ( See, partially redacted account summary cover page attached hereto as Exhibit XXXX ) XX/XX/XXXX At about XXXX pm Returned to XXXX Chase Branch Complainant returned to Chase requesting to speak again with customer service Banker representative to make XXXX more appeal to Chase to cure its breach and honor its agreement and/or refund fee. I was told the representative was unavailable, away at training for a couple of months. I requested to speak with a branch XXXX who was also unavailable, but XXXX offered a return call for the following day. Before departing, I transferred all but XXXX cents from my checking balance toward payment on my credit account. No return phone call from Chase was forthcoming. | ||||||
| 08/20/2021 | Yes |
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| NB : your forced choice categories about the nature of this complaint distort what is happening in instances described below. " Investigating '' habitual fraud is a sham. Chase refuses to credit my credit card for items I have been charged for but never receive. It conspires with an infamous business partner to defraud millions of Americans. It has defrauded me repeatedly by refusing to issue credits in a timely manner to my Chase-Amazon XXXX credit card and I have reported previous, but by no means all previous, instances of It to the CFPB. Yet the unreasonable and abusive practice continues unabated. It is time to remove the Chase-Amazon credit card from the market. At XXXX XXXX today, I called Chase credit card services to request a credit for merchandise I never received, but which XXXX falsely reports to have been received. I explained this to the rep at the Chase telephone number provided on the back of the card : XXXX. Without asking me, and after wasting my time with a lot of questions, she transferred me to someone at XXXX who had no idea why the call was transferred to her and declared, falsely, that I chose to call her. She then wanted me to repeat the same information I had already provided to the Chase rep, and several times. I hung up the phone when the XXXX rep asked me to repeat everything, twice, just for her. This is a recurring problem with Chase trying to deflect responsibility for issuing credits when XXXX actively and undeterred, falsifies information about its orders and their delivery, specifically. Chase quickly charges this card but refuses, avoids and delays issuing credits on it. It is a systematic rip off that is habitual at Chase and a mutual conspiracy and confidence game between Chase and XXXX. It is way past time that the CFPB treat it as such. I ordered two books recently from XXXX. Because XXXX is known to falsify delivery information on its website and hides behind its website to refuse issuing credits itself ; because its customer service numbers are hard to find on its website and it subjects callers to long wait times to discourage people from calling ; I usually order even small items from XXXX with one item in an order. This makes it easier to counter the many falsehoods that XXXX claims about what happens after an order is placed. However, it is clear that XXXX takes much longer on single, small items and that the vast majority do not arrive according to the advertised terms of XXXX membership, within 2 days. Someone at XXXX once told me that it is only 2 days after it leaves the warehouse, so XXXX clearly holds back on small orders to pressure people who are XXXX members to place bigger orders with it. These are the kinds of sleaze-ball tactics that Chase corroborates with its partnership for this credit card. Chase should not be allowed to mirror the same tactics and should be forced to issue credits in a timely manner without wasting so much of its customers time trying to avoid the credits and shrugging off the problem to XXXX. My recollection is that I placed two separate orders with XXXX for two different books. However, XXXX seems to have deleted my original order information and combined two separate orders into one : XXXX. In the process of combining the two orders, XXXX deleted the original information for the two separate orders and eliminated part of the history of what went wrong with the phony order it created. Both books were to be delivered to the exact same address. However, only one actually was delivered to it. I received the book by XXXX XXXX but not the other book, which XXXX website incoherently also claims was delivered the day after the first book. When I click on the tracking history, it claims that the USPS was unable to deliver the second book and is holding it for me. This obviously is a lie since the USPS just delivered the first book to the very address that XXXX claims the USPS says it could not deliver the second book to. Shortly after writing most of this complaint about the missing book, the same thing happened again, i.e., I got a hit and run text message from a number XXXX saying a piece of furniture for over {$350.00} was delivered to my front porch. Supposedly, it was for XXXX order # XXXX. I have a 24/7 camera on my front porch and it documents that this claim is false. Since no telephone number was provided for the text message, I could not call and had no idea how to reach the source that sent the false information. Eventually, I called Chase credit card services back, for the second time today. Again, the automated system claimed it did not recognize the last four digits of the credit card OR the zip code for the address on the account. ( A recent complaint to the CFPB concerns Chases poorly programmed automated systems that deny customers services they should be entitled to. ) Finally, after several more minutes of wasted time, someone answered the call. Even after being on the phone an additional 14 minutes and 13 seconds, he still would not issue the credits, either for the book or for the more expensive piece of furniture. The morning call about the book that was falsely reported to have been delivered was 17 minutes and 7 seconds. So after two calls to Chase for 31 minutes and 20 seconds, it still delayed, wasted all the time and refused to issue the credit. Prior to calling Chase the second time, I had called the merchant that XXXX website directed me to call about the mythical piece of furniture it lied about delivering. I did so and told the person there ( at XXXX, XXXX ) that if they could get the cabinet to where it was supposed to go by XXXX XXXX tonight, I would take it. If not, I just wanted the credit since I had no more time to deal with XXXX, XXXX or Chase. He told me I needed to talk to XXXX, since it is responsible for delivering XXXX items. Then I hung up the phone to call Chase again. This kind of abuse by all of these agents is simply a shell game of passing the buck, but Chase still needs to be seriously sanctioned for its role in the massive fraud. Amazons extensive, deliberate falsification of order and delivery information on its website, prevents me from requesting through its website a credit for a book it falsely states I possess. Similarly, I am barred from requesting a credit for a cabinet I do not possess that XXXX falsely claims I do. That is why I called Chase, because I am sick and tired of Amazons infamous, unfair, deceptive and abusive practices, as well as the same by its contractors. I will write to the FTC about XXXX role in this con scheme. But the CFPB needs to deal definitively, once and for all, with Chase, since it has failed to prevent Chase from charging customers for items that are never received with no proof of delivery from anywhere. In fact, it should prevent Chase from issuing any more of these credit cards indefinitely, and sanction it with effective monetary penalties that increase over time and with repeat offenses. ( By the way, guessing that the anonymous hit and run text message falsely stating that the furniture was delivered to the address on the order was from a XXXX office, I called a mobile phone associated with the XXXX, XXXX, MD office, XXXX. It rings as busy about 5 times, then the line is disconnected or just goes silent. Obviously, whoever has this number does not answer his/her phone, habitually. This happened several times. Another number for XXXX, XXXX will not allow me to speak to a representative and also disconnects the call. It seems that it is well know that nothing happens to businesses that avoid customers by hiding behind any number of machines. ) | ||||||
| 10/08/2022 | Yes |
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| I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account of interest : XXXX CARD account number : XXXX XXXX XXXX XXXX monthly payment : {$40.00} Balance : {$1100.00} credit limit : {$1700.00} missed payments : XX/XX/XXXX, this account is listed on both my XXXX credit profile and XXXX. XXXX has already deleted and stopped reporting this account. I would highly advise that you do the same. | ||||||
| 10/11/2023 | Yes |
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| Hi my name is XXXX XXXX I'm having issues with chase customer services fraud unit about a third party check sign over to me by a family friend the check was deposited on AROUND XX/XX/XXXX i got a update the check will not clear until XXXX XXXX later on that day maybe about a day or two later they restricted my account so I called chase to find out why was the account place on hold they said the account was place on restriction . Because the person who name is on the check has to be verified through his phone number by them they ask for the number and explain the name and number have to match to the persons on the check and i complied they looked the number up they said and the number was listed under someone else name they said i explain the person on the check has had this number for a while and to my knowledge its under his name i ask is there any other way to verify him or do they need us to come and the bank do he need to get his phone records he explained no the only way is the way i inform you of and if you need time to verify call back .I called them a few more times after touching basis with the person they assure me its they number under they name and they will call the phone company to see whats the problem once updated i called chase back spoken to a supervisor with the same number asking does it check out she stated no it still does not i ask her is there any other way she said yes address i gave her the address of the person she said it checks out so she called the number given to her of the person she said there was no answer i can call back later and they will try to call him back i called back the same day and was told by another supervisor although the address checks out the number does not and i have to call back when the number verifys .i tried two more times after speaking to the person who check the name is in to be told that's still his number and it is on public records as such on XXXX XXXX the check cleared which i did not understand because i was told the check will not clear although stated on my account because it has to be verified first so i called them to ask this and to try to verify again or ask them to close out the transaction if there is no other way than verifying the number so i spoken to another rep who told me she was the supervisor than after 5 mins of conversation i was told she was not when i ask is there anyone i can speak to above the supervisor she said I'm getting you one now and she did i explain everything once again I also explained to the supervisor sometimes phone numbers if use by someone else before you have it it can be be hard to come out the last person name it can stay on the last person name on they public records until they request to the reporting agencies to take it down so is there any other way to verify this person being another supervisor use the address before I was told no he told me the number I'm given him is not the number he see on file i had to be adamant that this is the same number i been given chase the whole time he than said I'm go in and change it but again I was told the number don't to match the name of person i explain again this is the number i don't understand and what third party you guys uses he repeated we just need a working number to match the name so call back once we can verify the number and than we can lift the restriction so on XX/XX/XXXX I called them back after speaking to the person who checks in the name again and he inform me he called the telephone company again its not a problem on they behalf his name and address is and has been updated its On his public records as well he has had this number for over some time which is true so i called to speak to another supervisor to be yet again told by that supervisor the number is not checking out I told her I was confused are thet sure is there any way they can prove to me its not why let the check clear if they suspected anything why there is not another route i can take o dont want tk be snagged for fraud because chase can not verify a number I keep being told to call back and when I call back they treating me like a suspect i have other money in my account so of course I'm keep calling cause I can't even access so I'm trying to straighten this out and she started asking all types of questions about relations to the person etc so I ask is this part of the protocol thay will left the restrictions cause why all the questions when the check had to be cleared because it a legit check which is from ny state government check .and every time I ask os there another alternative I'm told no so why all the questions before i answer she said the supervisor look just call back when we can verify the number and hung up this is after being on hold for 20 mins switch over four times explaining every time a new rep answer whats the issue and this has been every time i called I'm on the phone over a hour with chase to get no where the supervisors but one I spoke to are very nasty and a hour after this phone conversation with her my account went into negative staus along with the money I had in my account already.. now according to some blogs I've read customers from all over been having this problem with chase and verifying numbers it's nothing new to chase , so why treat someone who is a customer as a criminal chase is aware that every credit reporting agencies are not all updated to current information some are still back dated or out dated with numbers and old information and sometimes it can take even Years for the agencies to remove and update new information i know they have a job to do I'm understanding to that but they need to be understanding to the fact that whatever third party verification they may be using may not have a software that updates new information it happens any time I spoken to someone at chase I'm told call back when the number can be verify with no explanation of how I suppose to know that other than keep trying to call them back because the number not going to change thats given to them its just when I call back I feel so defeated everytime because I'm telling my truth but if calling back making me suspicious to chase why keep telling me to call back with no further instructions this never have happened to me so i would not know what to do but what they tell me and I know for a fact the information I'm given is accurate on my behalf .. i dont want my account being closed and reported as fraud because chase feels a number not matching to a name when there is so many legit resons why it could not be verifying through them and for one is the third party agency they using to verify numbers has a software they uses and that reporting agency verifys number through the white and the old white pages i was told every reporting agencies report different things on people. While some have more up to date and accurate information others agencies may not while some even some collect information faster than others or have more information about a person's than another reporting agency they all different but the same Ps This is very overwhelming and depressing where living in times where everything is becoming difficult and folks are doing what they can to work hard and live right and things like this can be push back on someone mind set in this day and age where so many people is suffering from depressing and ending they lives abruptly and this has been very depressing it cost nothing to treat someone with respect and resolve especially when your getting paid to assist | ||||||
| 01/25/2019 | Yes |
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| XX/XX/XXXX Flooding occurred I contacted XXXX XXXX ( insurance provider ). They told me I could pull out anything wet. I pulled out clothing, towels, ruined items, furniture, etc. They sent an adjuster. At his visit he said that he was approving me for an {$8000.00} building check to get started. And to go ahead and contact my mortgage company, because they would need to endorse it as well. He also told me that I could pull out anything wet. He informed me that I did not have to have a license contractor to do work in the house. I could choose who I wanted or do it myself. I immediately called Chase, told them I flooded, have a check coming and asked what did I need to do. The woman told me to write down a tracking number, sign the check and submit to them so they could endorse it. At this time I didnt know that they kept the money and dealt it out to me. There was nothing said about a process or anything further. XX/XX/XXXX {$8000.00} check cut by XXXX. XX/XX/XXXX Went into agreement with XXXX XXXX to do tear out and install. XX/XX/XXXX Demo/removal started by XXXX XXXX. {$5000.00} XX/XX/XXXX I mailed check to Chase. XX/XX/XXXX Chase cut my {$8000.00} start-up check for building repair. XX/XX/XXXX Electrical repairs made dryers couldnt work {$220.00} XX/XX/XXXX Drying started. {$3000.00} XX/XX/XXXX Electrical repairs made {$170.00} XX/XX/XXXX new septic pump installed {$700.00} XX/XX/XXXX I mailed in the {$72000.00} check from XXXX to Chase, endorsed. I talked to XXXX XXXX there and she said send in the endorsed check and that the money was put in a restricted escrow account. XX/XX/XXXX completed declaration of intent to repair via website XXXX where I first logged on and began to see the forms chase had online. XX/XX/XXXX I contacted XXXX and told him forms had to be completed. He said he wasnt bonded. I told him I would contact chase. Contacted chase. XX/XX/XXXX Told XXXX I talked to chase and they said as long as he was licensed you could leave the bonding info off. He said drywall is not licensed sub work. I ensured him I would get him his money because chase was aware of my situation. XX/XX/XXXX Submitted intent to repair form XX/XX/XXXX I contacted XXXX and asked him to complete XXXX and Contractors Lien Waiver and said if he could fill that out, Chase knows I dont need a general contractor ( to do drywall work ) XX/XX/XXXX I asked XXXX for the paperwork again and I said thats fine about the license and bonding. I talked to Chase about it. XX/XX/XXXX-XX/XX/XXXX Drywall install completed {$6500.00} XX/XX/XXXX XXXX appliance receipts uploaded . {$4700.00} XX/XX/XXXX First inspection requested by me. Cancelled by Chase when? XX/XX/XXXX Letter mailed from Chase saying they received my exception request but cant approve it until they receive an inspection report showing the status of the repairs. XX/XX/XXXX Tile completed in bath {$630.00} XX/XX/XXXX Submitted a letter to Chase XXXX per their directions, requesting to waive Contractors Lien Waiver and Copy of Contractors license/insurance and bonding. I had talked to chase that day and was told everything would be fine, just to submit the letter of request. XX/XX/XXXX Wood delivered {$1700.00} XX/XX/XXXX-XX/XX/XXXX Painting {$1800.00} ( had paid for paint supplies before XX/XX/XXXX {$1200.00} ) XX/XX/XXXX 2nd inspection requested by me when I discovered 1st was cancelled they said because the inspector tried to contact me three times. XX/XX/XXXX-XX/XX/XXXX Concrete floors painted {$440.00} XX/XX/XXXX Trim and door supplies purchased {$1100.00} XX/XX/XXXX-XX/XX/XXXX Trim and doors installed {$790.00} XX/XX/XXXX Trim and door supplies {$120.00} XX/XX/XXXX 2nd inspection cancelled by Chase. Saw that online. Had no notification. XX/XX/XXXX Found out forms were not waived by chase. Talked to XXXX XXXX asked why inspection was cancelled. She said ( the second time I have been told this ) that the notes say the inspection was cancelled because they tried to contact me. Thats what Ive been told both times. She said that the reason was probably because I still didnt have a licensed contractor, even though it was noted otherwise. I never had any calls from inspectors or messages even though they said I had at least 6 calls concerning. I asked to speak with a supervisor, got XXXX XXXX, resolution specialist/account supervisor. Needed a license and the request was never approved. She said you can request anything you want, doesnt mean youre going to get it. Thats the point of a request. All said in a matter of fact and condescending tone. I informed her Chase had told me to do the request in the first place and ensured me it was fine for my situation. XX/XX/XXXX 3rd Inspection requested XX/XX/XXXX Letter mailed by chase saying received exception request but cant approve until they have paid in full invoices and valid receipts exceeding {$28000.00} released thus far. XX/XX/XXXX Inspector called to make inspection appointment. XX/XX/XXXX Toilet and sink in full bath installed XX/XX/XXXX Chase mailed letter that said theyve approved my exception request and will send me an insurance claim funds check by XX/XX/XXXX. The next check I received was XX/XX/XXXX for {$790.00}. XX/XX/XXXX Had inspection it was deemed 70 % complete by third party contracted by Chase. XX/XX/XXXX They mailed a letter with my check for {$790.00} that said they will send the rest of my funds we they receive a final inspection report showing that repairs to the property are at least 90 % complete. XX/XX/XXXX Talked to XXXX XXXX from Chase and she said repairs were not complete. I was at 70 %. They were still holding {$50000.00}. I asked what needed to be done for 100 % inspection and she said floors, cabinets, fixtures, outlets. No money until they get a contractor license and lien waiver. XX/XX/XXXX Uploaded contractors lien waiver and XXXX contract and letter requesting reimbursement and final receipt. XX/XX/XXXX I had requested a check for him from chase. XX/XX/XXXX Talked to XXXX at XXXX. Said I needed a contractors license or things could be made simpler if I switch to self-contractor. I said I had never heard that was possible, and first time I knew it was an option. She said it was possible if I had a current mortgage with them. Though if she switched me over to self-contracting, that I couldnt use the insurance check site and had to pay all out of pocket first then get submitted when totally done. I said I dont feel comfortable switching, I need to speak with my lawyer on what I should do because a ) I need an electronic record of everything and self-contracting relies on faxing and mail b ) how do I can I be ensured the money will come to me at the end? She said she was going to call XXXX to see if instead of a license he could produce proof of insurance / surety bond. I said feel free. She said that would work to release my funds. XX/XX/XXXX Talked with XXXX XXXX at Chase because they released {$450.00} I asked what for, it was for XXXX receipts of mitigation supplies. I told her I thought I was told I wasnt getting any more money until done because I still had plenty of unpaid receipts. She said if I could send in the XXXX XXXX {$6500.00} cancelled check, that they would reimburse me for that, but not release any more funds. She also said the notes said XXXX XXXX had been called but no answer on XX/XX/XXXX. XX/XX/XXXX Chase called me to inform me that they cancelled my check request to pay XXXX XXXX {$6500.00} since I had submitted a receipt that said paid. XX/XX/XXXX Flooring laid XX/XX/XXXX Cabinets installed. XX/XX/XXXX Floors to be sealed. | ||||||
| 07/24/2017 | Yes |
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| Nearly 7 years ago, my wife and I, both employed with good jobs in XXXX, were financially devastated by the economic catastrophe that destroyed the housing market and jobs across America. We had stellar credit and had never missed a mortgage payment in our first 8 years of owning our house, but my wife lost her good job in the XXXX industry and due to the horrible state of the economy, could n't find work for a year or more. We owned a nice home in XXXX and were fine with 2 incomes.However, with only my income now and XXXX kids in school and all, we started spending all of our savings trying to stay afloat. After a while of barely making mortgage payments, we fell behind by 2 months or so. We kept thinking we were going to dig our way out, but my wife could n't get work with the collapse of the XXXX XXXX XXXX. We scraped together the now 3 months behind mortgage and went to the bank to pay up and settle up, but they told us we were now 3 +1/2 months behind and they would NOT take our 3 months. They told us it would all be folded into our new mortgage refinance that we were now applying for. They told us not to worry about making the next payments either, as they wer all to be added to our new refi deal.SO, every 6 -8 weeks, for over 2 and a half years, we filled out the new, yet exctly the same paperwork, the updated mortgage assistance checklist, and every time we would try to call the bank, all they ever said was, " everything looks fine, we just need a little more paperwork ''. This went on for those 2 + years and never once were we allowed to speak with anyone a t bank except the customer service rep, all of 25 years old typically, and none having authority to do anything or move our case forward. We never received ONE single email, as it seemed they did n't want us to contact anyone or to have a paper trail. We looked into selling our home nearly as soon as this all went sour, but with the collapse of the housing market due to the same BIG BANKS we are dealing with here destroying the mortgage and housing markets, our house was already worht so much less than we owed on our mortgage, so selling was never a viable option. Meanwhile after close to 3 years of NOT paying a mortgage as bank instructed, we had NO mortgage interest tax deduction, so our tax bill was through the roof, and our credit was shot due to missed mortgage payments. SO, now we had XXXX kids in college and XXXX on his way, and not one college would loan us a dime with our credit. 3 years now gone by, strapped for cash, the bank finally offered us a much higher interest rate and higher mortgage payment than we had initially BEFORE the housing market collapsed, and a payment nearly {$2000.00} more than it had been. We did n't understand how this could be, as bank knew the house was worth so much less now and we needed help with LOWER, not higher monthly payments. As we never had a single person at bank to speak with, we had no one but customer service people. Within weeks of this unfair mortgage refi option, one which they knew full well we could n't afford, as every 6 weeks for 3 years, we filled out the same financial paperwork, this massive, too big too fail bank, began saying we were behind in mortgage payments and began legal action. no one would speak with us, and we had NO money for an attorney. Then, without having served ANYONE in the household, only an old ex lawyer we had n't used in years, they began filing for foreclosure. But, as court records will now verify, we were never served, and many other proper notices or filings were not done. Yet the bank, never having served us, nor never having a foreclosure settlement conference, foreclosed on our home without telling us. At this point we borrowed $ $ from family to hire a real estate attorney, and within weeks, the foreclosure was overturned and the Big Bank forced by courts to enter into a new negotiation with us for a new mortgage. SO, once again, every 6 weeks, we began filling out the exact same paperwork we had been filling out for prior 3 years, the mortgage assistance checklist. And after another 18 months, we had NOT one singe offer of refi options. Our attorney said it was so frustrating at these Big banks, as no one seems to want to make a decision, and he had no idea how we dealt with them for 3 years, for the chain of bureaucracy is insane and so convoluted. And we still had no decision. We finally could not afford a lawyer any longer, and still had no offer from Bank. So for past 9-11 months we have been in housing court with a free court appointed housing advisor. And it took 2 years of dealing with this bank for them to come to us and tell us that even though we qualify financially, they were denying our refinance options totally, and only thing we qualify for is a short sale. And now, for 5 months, after telling us we do NOT qualify for any mortgage options, they still ask us to fill out every 6 weeks a mortgage assistance checklist. Now we tried to fix up the house, listed it for sale, and received 2 offers in last 2 weeks, both of which were rescinded when the buyers realized how impossible it was already proving to be to deal with this Big Bank 's inefficiency. For the offer that was presented took nearly 2 weeks for anyone at the bank to even acknowledge, and even then all they did was tell me we needed to fill out more paperwork, and the bank did n't even counter offer or discuss the offers at all. We do not feel this massive monster sized bank, who bought our distressed mortgage from one of the big banks who caused the banking collapse, have ever intended to be fair, and it is inhuman that they do not even care to call us to discuss our situation. They only have their team of a thousand lawyers send us new missed mortgage statements and past due invoices and new paperwork forms, even tho they denied our refi. We are at our wit 's end, and can not afford the lawyers we know we should be using. In a fair world we would be able to sue them for all their wrongdoings, but these 2 banks have likely XXXX lawyers apeice, and thanks to them, we have no money. All we wanted was to be treated fairly and like the honest hard working people we are, ones raising a family and being a part of our community. We know these 2 banks have been at best, incomopetent, and more likely, immoral and li unethical. Despite the fact the judge ordered our foreclosure overturned/ reversed, and stricken, it is still on our records, so still we can not borrow a dime, and now we have had XXXX kids in college for past 3 years. We have spent all our life savings and all our kid 's savings fighting Big Banks and only wanted to be treated fairly. We have tons of documents and paperwork we can send if you want to review. And more dates and loand numbers and names of these 2 big banks and how judges decisions showing they mishandled things. And despite all this, they have us nearly destitute and unable to move on with our lives. All we want is to be able to get out of this mess and try to rebuild our savings despite the fact that my wife is XXXX now and me nearly XXXX in 2 months. We wish we had the money to fight them and stop these banks from draining people of the equity in their homes and then foreclosing. We know of 2 other friends in XXXX who are going through the same nearly identical experience with same 2 banks. We would love some advice or legal guidance, for this is not right. Feel free to call me or email me as I would love the chance to further and more intelligently explain our nightmare and wee if there is a way out. Thanks ... | ||||||
| 11/28/2017 | Yes |
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| I have been trying to open a small XXXX business since XX/XX/XXXX and had worked with XXXX of Chase Bank in XXXX XXXX, WI for business funding. During our relations she promised me she was diligently going to see if she could get my business funding with Chase, I was asking for a XXXX loan. After waiting weeks for a return call regarding her promise, I never heard back from her to this day. Without funding from Chase, we were left with no choice to get a $ XXXX loan from XXXX XXXX XXXX in XXXX XXXX, WI ( formerly known as Chase Bank! ) for 33 % interest and our 2 XXXX XXXX motorcycles as collateral.Our thoughts are to pay that loan in the shortest time possible once we are able to open our doors for revenue. This money now was not only the money we needed but it also has $ XXXX of our property tied to it.4 days before we were to secure the loan I opted to open my business checking account with XXXX at the 2nd Chase branch in XXXX XXXX , WI. We did not want to sign for that loan but we needed to, to complete my business plan purchase. The ACH deposit happened XX/XX/XXXX and XXXX explained I would be able to get a $ XXXXcashiers check as soon as the funds were showing in my account. I checked my account Friday morning and the loan deposit was successful. I did n't make it to the bank Friday, so I went to Chase Bank Saturday, XX/XX/XXXX before we headed to Illinois to purchase and move my XXXX. Chase did NOT have any hold on my business funds until XXXX decided to put a " suspicious activity alert '' on my business checking account making those funds unavailable to me. She ALONE sabotaged my move that was very time sensitive and prescheduled. She vindictively made my funds unavailable to me out of spite, she apparently was upset because I chose a different Chase branch to open my small business checking account. The money that was deposited was an ACH deposit from XXXX XXXX XXXX in XXXX XXXX, WI formerly known as Chase bank. The deposit was cleared and considered hard cash deposit when I went into her branch for a cashiers check for the deposit of my XXXX XXXX purchase. This was supposed to happen XX/XX/XXXX at XXXX in Illinois to move the XXXX to XXXX, WI. The move needed to be done in a 2 day process as XXXX. pieces of equipment and the entire XXXX was being moved 2 hours away. She told me I could not get the {$5800.00} and could not explain why. I was wearing a distinctive bright blue XXXX jogging suit, not knowing when left the branch without my deposit, she put an " suspicious activity alert '' on my account with my description and copy of DL! She said she was going to call customer service and that she would call me back as we headed to Illinois. Being a Saturday banks were only open until XXXX. She had n't called me back, so at XXXX on my way to Illinois to purchase my dream, I opted to stop at the XXXX XXXX , WI Chase bank to attempt to get the deposit I needed. I was greeted with EVERY teller 's eye contact and as I was waiting to see a teller, the branch manager says " everything ok ma'am? '' I turned around and responded " yes, I 'm fine '' and I pondered on his attentiveness as well ... Note : bright blue jogging suit. Still not knowing that XXXX placed a flag on me, I turned around to the branch manager and asked " Maybe you can help me, I 'm having a problem getting a cashiers check from my business account ''. While sitting in his cubicle explaining the problem getting the deposit check he continued to gaze at his computer and interrogate me on my intentions of my money! At this point I was still unaware of the " suspicious activity '' alert XXXX placed on my account making MY business money inaccessible! I opted to speaker phone the XXXX owner I was on my way to meet in IL and asked if we could just transfer the money into HIS Chase account. The XXXX XXXX, WI manager interrupted us and said " well, wait, you need XXXX cash? '' On speaker phone, XXXX and I say fine, cash is king! The banker said " ok i will get your cash ''. I preferred a check but I hung up with XXXX and said I would be back on my way with XXXX cash. I patiently waited 6-7 minutes, anxious to be on my way to meet XXXX, movers, equipment technicians, friends and buy my dream. The manager comes back with his little green bank bag, placed it on his desk and said " yeah, this is n't going to happen today. You will have to go back to the XXXX XXXX branch that you opened your account at. '' I said " WHAT! I am on my way to Illinois and it 's almost XXXX, I ca n't go back to XXXX XXXX! This is a Chase Bank right?! '' He again says " yeah, all I can tell you is go back to the XXXX XXXX location '' I started balling and literally shaking asking " Why?? I ca n't move the XXXX unless I have the deposit! '' Why would n't they even do the internal Chase transfer?!!! A second female banker comes over and says " Ma'am we need you to stop crying we have other customers in here and we are going to ask you to leave or we will call the cops. ''!!!!!!!! I now feel like a criminal not on my way to be a business owner! I also have held a personal checking account with Chase for years. I was supposed to feel like a business owner, not a suspicious activity character!!!! I called XXXX as I continued to Illinois and asked if she put a hold on my account. She explained " Well, because when a large ( XXXX?? ) Deposit is made on a business account and a request for a large ( XXXX?? ) Withdrawal is made it 's considered suspicious activity. '' REALLY!!! XXXX knew over the past 6 months that I was trying to open my business! How is that suspicious! Chase was showing the funds available but she decided to change that because I opted to open my account with a different branch. She opted to put her hands on my business money that was secured by our 2 XXXX XXXX motorcycles, blood money really! She costs me thousands in lost deposits, last minute rearranging movers and trucks, turned into a 5 day move that was scheduled 2, additional expenses, 2+ weeks lost revenue, delay in opening my doors, and interest charges on the personal credit cards I had to use to buy and move my business!!!!! That 's not to mention how degraded I was made feel at the XXXX XXXX branch and my sanity! She cost me at least $ XXXX and I am now struggling to get my business open! I also quit working to open my XXXX! This was not how I was supposed to start my business and I trusted my business account with Chase. XXXX made a very bad decision and sabotaged my business move plan. After filing a complaint with Chase Executive office, they told me there was nothing they were going to do and told me there was no hold on my money but could n't give me an answer as to why I could n't get my money at 2 Chase locations! If Chase condones her behavior then they are equally responsible for the damages she caused. I also explained to her that the flag was acknowledged by the customer service rep who referred me to the executive office and XXXX admitted she put the " suspicious activity '' alert on my account! She again said Chase did not have any hold on my account. What is suspicious about wanting money from my business account that was clearly legitimate funds from a bank formerly know as Chase Bank!!! Without a remedy to her actions my business will likely not be able to open the doors. I had to absorb all my personal credit and funds through this mess and I am tapped and maxed out! To keep a business relationship with Chase I would ask they provide a XXXX credit line at a very low interest rate ora cash settlement requested within. Sincerely. | ||||||
| 12/15/2019 | Yes |
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| TO WHOM IT MAY CONCERN, My mortgage has been bought and sold two times in the past three months. I received no notification other than an email from the purchaser each time. These emails went to my spam folder and I searched for any mortgage related information because I noticed that my automatic mortgage payment had not processed. In all cases, I set up automatic payments with the mortgage servicing company in good faith. In all cases I expect that my payments will be processed until I ( the consumer ) have been properly notified and onboarded to the new service company. This has not been the case. Neither time that my mortgage was sold was I notified appropriately. By this I mean I must receive notification in writing from the current owning institution that the mortgage has been sold, and I must receive notification in writing from the new mortgage owner with instructions regarding what I need to do to set up my payments. Then after I have been onboarded to the new service company, and only then, must my automatic payment be discontinued with the original company, e.g. the one selling the mortgage instrument. The discontinuation must only take place after the new mortgage payment arrangements with the new mortgage company have been established and verified, and I provide an acknowledgement to the selling institution that I wish to discontinue my payment arrangement with them. Current Situation and Historical Facts in This Matter : The original service company for my mortgage is " XXXX XXXX XXXX '' ( XXXX ). XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I set up automatic payments with the XXXX institution when I bought my home in XX/XX/2019. On or about XX/XX/2019, XXXX sold my mortgage to XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or call us at XXXX. XXXX XXXX XXXX I received no written notification of this new arrangement either from XXXX or XXXX. The only communique was an email that I came across by chance from XXXX. I contacted XXXX, was informed they had acquired the mortgage, and set up automated payments with XXXX. Payment was established XX/XX/2019. On or about XX/XX/2019, XXXX sold my mortgage to Chase. Chase Mail code XXXX XXXX XXXX XXXX XXXX, LA XXXX www.chase.com Again, I received no written notification of this new arrangement either from XXXX or Chase. The only communique was an email that I came across by chance from Chase. I am in the process of contacting Chase to gather information and set up automatic payments. However, Chase is under the misconception that " you are two mortgage payments behind. '' Hence, in addition to my obligation to set up yet another automatic payment scheme, I am in the unfortunate situation of disabusing Chase of the notion that " I am behind '' in my payments. In fact, the previous company, XXXX, is negligent, and is the direct cause of this situation because they have failed in their duty to process my automatic payments. Apparently, XXXX, and XXXX, believe that they have no obligation to me to process my payments when they have washed their hands of the mortgage. Nothing could be further from the truth, because when these " mortgage servicing companies '' fail to pay as per our arrangement, then I, the consumer, am imperiled. This situation is unacceptable. Clearly something is wrong with this process, as the consumer is the last to know that the mortgage arrangement has changed. It is incomprehensible that the consumer, the individual most vulnerable and susceptible to damage, is left out of the process completely. The consumer is left out that is until it is time to pay the piper. Then the consumer is expected to heave ho and produce. This " responsibility '' so conceived exists weather or not the consumer has been informed or has enough knowledge to pay whichever servicing company is now the " owner '' of the loan. Therefore, it must be mandatory that these servicing companies contact the consumer and verify that consumer is aware of the developments regarding such an important credit instrument. The consumer must be made aware of developments regarding the consumer 's important loan. This contact must be established and verified before the new servicing company takes the lead on servicing any loan. The consumer must have awareness of the situation and this understanding must be verified by the two service companies involved. This has not been the case, for me, and as a result, Chase now claims that you are two payments behind on your mortgage. This although I have previously established automatic payments with XXXX. Therefore, XXXX is negligent in its obligation to me ( the consumer ) to service my loan. The same situation occurred in the case of the transfer from XXXX to XXXX. XXXX did not process my automatic payment, and as a result it was suggested I was late in paying the new owner, XXXX. Actually, XXXX is negligent in its obligation to me ( the consumer ) in servicing my loan. Where are my interests, and the interests of the consumer in all this high-flying finance? Clearly my interests, and the interests of the consumer, are unimportant, subjugated, irrelevant ; the consumer does not even come into the equation on his/her loan except as a footnote after the fact. Clearly, somebody must pay for all this ; that falls on me the consumer. At this juncture, XX/XX/2019, I am in the unenviable position of needing to advocate for myself with the goliath Chase the manifest unfairness of these developments. I am now situated such that I must converse with Chase regarding notions of " fair play, '' in lending practices and in the buying and selling of mortgage instruments. This is the crux of the issue then, to me a mortgage represents my home, something acquired with great personal sacrifice, and a safe happy family. To the bank a mortgage is a financial tool. To the bank a mortgage is an impersonal device, an appliance crafted to derive profit. In representing myself to the Chases, and the XXXX, and the XXXX XXXX XXXX of the world, I need to expend considerable time and effort. This is a form of damage to me the consumer. I do not have spare time, either to discuss reality with Chase, or to present the facts of this matter to you, " Consumer Finance Dot Gov. '' At this point in time, I must convince Chase that it would be unethical, to say the least, to report me to the credit bureaus, my involvement being as tangential as it is. My exertion comes at a cost, time lost with my family, time lost relaxing on the weekend, so on and so forth. This is time that is far better spent doing other activities. In business my time is billed @ $ XXXX/hour on the low, and @ {$500.00} on the high. I estimate that the amount of effort I have invested in playing this " mortgage servicing shell game '' comes close to {$5000.00} by the time it is concluded. This is a needless waste of time and effort, as it is due entirely to the negligence of the mortgage servicing companies. At this point it is clear who suffers the damages. It is not the large institutions. In fact, it is the " small player, '' the consumer who bears the brunt of this outrage. Please assist me in eliminating these harmful mortgage selling practices generally, and specifically in my case, by alerting these mortgage servicing companies to the appalling burden they have placed on me, due to no fault of my own. The shortcomings in the mortgage buying and selling process, as they relate to the consumer, must be addressed. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX | ||||||
| 05/27/2021 | Yes |
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| I want to file a complaint against Chase Bank for the horrible treatment of me and what they have resorted to doing the last couple of days. I went to use my debit card and it was declined, so I called them to ask why, and I was told that they are closing my account. I asked why and they said that they aren't going to tell me. Then two days later, when I went to log in to my account because I needed to dispute charges that were made, I received a message saying that " they have locked my account due to suspicous activity '' and so I can't log in or get any information in regards to my account. When I called in to the 800 number and disputed the charges that I remembered, they asked me if it was a particular merchant that I hadn't used in months. I said no there shouldn't be any charges to that merchant, do you see charges there from them? She said she couldn't tell me and said that I needed to talk to a different department. Then this morning, I received over 20 e-mails from Chase saying that " received a new letter and to log in to view it '' and " my account has been updated '' " my claim has been updated '' and I can't view any of them. They have blocked me viewing my account, from logging into my account, from receiving any information about my account, and I can't see how this can be legal. I don't see how a bank can cut me off from my own money for no reason, not tell me anything in regards to my balance, what transactions are there, what recent changes have been made to my account since they cut me off from accessing any information, and so I have no idea what is going on with my account and what my balance is, and so I have no ability to dispute anything that is wrong or verify my balance. How can they restrict my access to my own account, make changes to it and not tell me?????? How can they make changes to my account with notifying???? If they are forced to notify then those notifications that I received today don't count because I can't view them and when I called they wouldn't tell me. When I call they have resorted to making fun of me and laughing at me and mocking me. I told them that I am XXXX and can not XXXX XXXX anywhere and the guy said " XXXX XXXX XXXX XXXX '' and he laughed at me. Making fun of XXXX people is apparently standard protocol at Chase bank because he did it without fear of getting in trouble because they all do it. Yesterday when I called, the lady pretended that she couldn't hear me and hung up on me after i waited for 2 hours to get through. The day before that, the agent snapped at me when I asked why they were closing my account and then hung up on me again. This a constant pattern that they have shown me ever since I first opened an account with them. Previously, instead of someone simply asking me a simple verificaiton question, they chose to instead insist that I go to a branch and show them my ID for verification. I said this was physically impossible for me because of a medical issue I can XXXX XXXX, I have a XXXX disorder caused by a XXXX XXXX. They did not care, they made fun of me, the laughed at me, they hung up on me, and it took me over a week to keep calling them and speak to an agent who would actually help me. When I actually reached an agent who just asked me the verificaiton questions, it took a total of 15 seconds. The other agents refused to that, and spent 30 to 40 minutes each day arguing with me and telling me I had to go to a branch and that there was no other option. This was false and all they had to do was ask a simple verification question. This was not one agent, but many agents that I spoke to over the course of this week and multiple supervisors as well. I was hung up on, I was not giving a solution because of my XXXX, they instead choose to laugh at me, and mock me and make fun of me and tell me too bad theres nothing can be done. One supervisor even blocked my number so that I couldn't call in anymore. I had to call from a different number just to get the agent that helped me. Instead of a 15 second question, I spent 5 days calling them and speaking multiple agents and supervisors and none of them simply asked me a verification, none of them gave me a solution other than go to a branch even after I told them this was impossible because of XXXX, and this did not matter to them. They are a company that mocks and makes fun of XXXX people and does not give them an alternative because the limitations that my XXXX has put on me. I don't see how these monsters can legally do this. I do not want to pay for a lawyer, nor can I pay for a lawyer now because they have restricted my account and so my debit card does not work. I can not withdraw any funds, I can not do anything other than watch these horrible awful people steal my money and make fun of me and my XXXX and I think it's absolutely dispacable how any human being can treat another like this. They have treated me like an animal and shown me no human compassion and have treated me like someone who did some horrible act to them when I have not done anything wrong, I have done nothing illegal, and I have not deserved the awful treatment that I have received and I know that they are stealing my money. The phrase they keep saying is " if there is any remaining funds then we will mail you a check on XX/XX/XXXX. '' To say " if there are any remaining funds '' when I can not use my card, can not transfer, can not withdraw, then how could there be any funds missing or not there from what I remember but since they have restricted my access to my account, I have no way to verify what is going on. I think they are reversing some disputed that I filed and so they locked me out so that I wouldn't see that until after my account is closed and when or if I do receive my check in the mail and the $ amount is less than it is supposed to be, then they won't have to do anything because my account is closed and they will probably say that I had such and such time to appeal but since they locked me out of my account then there is no way for me to do that. I don't want to get a lawyer and I have no way to pay for one now or do I have a way to pay for anything because they have cancelled my card and my ability to do any transactions. I have not eaten in 3 days because I have no money for food, and when I asked them this, the guy laughed and made fun of me. These calls are recorded and so there is record of them if anyone cared enough to listen to them. They are endangering my life because I have no ability to pay for food, or if an emergency came up and I needed to buy something, I have no ability to do so and when I brought this up, they laughed and made fun of me. They said they have every right to do it and said too bad and that there is nothing I can do about it. I hope that I die and get very sick because of this, then maybe someone would hold them accountable for their actions. I have no ability to get food and they aren't mailing a check until XX/XX/XXXX. So I don't know how sick I'm going to get, I don't know how weak I will get, but my only other choice is to knock on my neighbors door and ask them for food. This is not something I want to do and won't do until I am at XXXX XXXX of XXXX. I have given the rest of my food to my dog to make sure he has enough because I care more about him than I do about myself and he's all that I have in this world. I sincerely hope that someone makes these horrible people accountable for their inhuman treatment of me, and for the laws that I hope are in place that would protect a consumer in this situation. | ||||||
| 08/13/2018 | Yes |
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| On Monday XX/XX/2018, at XXXX I attempted to withdraw {$950.00} cash, as a cash advance, from my Chase Freedom Unlimited credit card account. The attempted withdrawal was made at a Chase ATM at the Chase Branch at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. However after I inputted the details, the {$950.00} DID NOT dispense, but DID show up on my account as a charge. A {$47.00} cash advance fee also showed up on my account. I immediately called Chase 's assistance line on the back of my card, and they instructed me to open a dispute and the cash would be reinstated and removed as a charge, and it was nothing to worry about. They told me that this was not that unusual. I lodged a dispute the next day and the charge was momentarily removed from my card. I was then traveling for 2 weeks and assumed the matter would be handled. On XX/XX/XXXX, I noticed the charge had returned to my card. I called Chase disputes and was told that the case was 'closed ' and I WOULD be charged for the transaction. Obviously, I was extremely upset at this and told them they needed to reopen the case. I also told them I wanted the case escalated and handled immediately. I also received a letter dated XX/XX/XXXX saying the ATM machine was in balance at the time of the transaction and the charge would stand. As I said, I escalated the dispute and was furious. I was told I needed to write a letter to have the matter reopened. On approx XX/XX/XXXX a Chase Branch Complaint Escalation officer employee named XXXX XXXX contacted me. I told XXXX that they needed to do a security camera check and proper audit on the ATM that would confirm I did not receive the cash. On approx XX/XX/XXXX XXXX called me back to confirm that their security camera and internal audit had indeed found that I DID NOT RECEIVE THE CASH. The charge would be removed in a matter of days. She specifically said they did a camera check and found that I did not receive the cash, and that the ATM audit found the ATM was {$950.00} over. I was relieved, but was now wary of Chase 's systems and asked her for a copy of the relevant documents confirming I didn't receive the cash. She told me she could not provide me the documents ( Chase bank apparently refusing to be transparent ), but told me she would send me a letter but the letter would have to be 'vetted by the Chase legal team '. Again concerning. Anyway, I assumed the money would shortly be back in my account. I did receive the letter dated XXXX XXXX ( attached ). The letter states ( contradictorily ) : " This letter confirms our conversation and that we reached a resolution regarding your case number XXXX XXXX. '' It refuses to state any specifics or what I had asked for. On the next page of the letter, in contradiction to the previous statement, it says : " Your claim is currently under review by our Credit Card Disputes team. The necessary documents have been forwarded to this team for review ''. On XX/XX/XXXX I called XXXX back but was apparently reassigned to another employee ( I did not record the name of this particular employee ). The money was STILL not back in my account. I again asked for the matter to be escalated to achieve a quick resolution, and that given they have the evidence this matter should be resolved quickly. I was assured it would be resolved and the money returned. I asked if the employee had all the relevant documents. She said she did not. She also said she was in a different department to XXXX. This was now extremely frustrating. I asked her to get XXXX on the phone while I stayed on the phone. A XXXX way call then ensued. I asked XXXX to send the new employee the documents proving I did not receive the money. They each said they could not because the employee could only receive faxes, and XXXX could only send emails!! This is not a joke. Honest to XXXX this was the discussion going on between them. The level of incompetence was mind-boggling. These 2 Chase employees could not send each other documents because one needed to do it by fax, and the other could only send by email. We resolved for XXXX to email the documents proving I did not receive the money to the Branch Manager, XXXX XXXX. XXXX would then fax the documents to the new department to get the matter resolved. I then went into the branch to confirm that XXXX received the documents. XXXX said she did receive the documents and had forwarded them to the new disputes escalation department. I asked her for a copy of the documents, she again refused and said there is a line stating on the letters " not to be provided to consumer ''. I told XXXX this is concerning. Not only is Chase not handling this in a timely manner, but they are refusing to be transparent and provide evidence that you have, proving I did not receive that money. I told her I believed that was because Chase is protecting itself legally. She said " well I can clearly see you didn't receive the money, and if you needed to subpoena me, I would have to tell the truth '', exact quote. She was quite confused why the matter was taking so long and to her credit was honestly very supportive. She has checked in several times to see if the matter had been resolved. Her details are : XXXX XXXX, Branch Mgr Vice President, XXXX, XXXX She has a copy of the documents proving I did not receive the money. She has been helpful. Anyway, I assumed the matter was resolved and I was waiting for the money to be reinstated. But it simply never was. I kept calling back and was told either the money will be back in the account shortly, or the matter was still pending with no more details. On approx XX/XX/XXXX, I had had enough of the 'pending ' case. The money had still not been reinstated to my account. I returned to the branch manager XXXX because she seemed to have an actual interest in resolving the matter. We escalated the matter again this time to the Executive Branch. I was told this was the highest possible department of escalation. My assigned officer was XXXX XXXX ( XXXX # XXXX ). I was assured the matter would be resolved promptly. When I called back to check in over a week later, I was told XXXX was on vacation ( seriously ), and I was now assigned to her assistant ( XXXX XXXX ext XXXX ). The case number here was XXXX XXXX. XXXX seemed again disinterested in resolving the matter promptly and said again, the matter was still being researched and it takes as long as it takes. When I asked her why it was still pending given you have the documents to prove I did not receive the money she said " because it was out of a credit card account, we are researching from where we reimburse you the money '' or some similar wording. Again, I'm not joking. What she appeared to be saying was that they knew I didn't receive the money from their own ATM, from their own Chase account, but they needed to research how to reimburse the money. And to top it all off, on XX/XX/XXXX, the {$47.00} cash advance fee was finally refunded! ( see letter ) But the original {$950.00} has STILL NOT been refunded. So to recap - On XX/XX/2018 I tried to withdraw {$950.00} from my Chase credit card account, from a Chase ATM. The money didn't dipense but I was charged. In the ensuing 70 DAYS Chase has gone in circles and delayed. They have the evidence to confirm I did not receive the cash and that evidence can be requested from the branch manager, but they have still not reinstated the money into my account. Again, it has been 70 DAYS and countless hours spent on my part for their mistake. Faithfully, XXXX XXXX | ||||||
| 02/14/2021 | Yes |
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| RE : Chase XXXX Refund Receipt XXXX Merchant : Chase XXXX Powered by XXXX Date : XX/XX/XXXX Amount : {$1600.00} Explanation : I am requesting funds be credited back to my account based on the approved refund from Chase XXXX on XX/XX/XXXX for a hotel I did not stay in. This is an approved refund from Chase XXXX that the Chase dispute department decided to cancel based on a previous dispute process for this same charge. I have been pursuing this refund since XXXX using all of the valid methods that Chase has advised. Below is the timeline of events : XXXX We were notified that the on-site XXXX XXXX XXXX XXXX XXXX XXXX conference in XXXX XXXX had been cancelled due to COVID-19. My husband is a XXXX XXXX XXXX lives in this pandemic! XXXX We spent hours on the phone on hold with Chase XXXX attempting to cancel our reservations however after long hold times, the IVR soon indicated that if you werent traveling within 72 hours to call back later because they couldnt assist you. Then the IVR indicated that you could log-on to the website and fill out the form to cancel your reservation. XXXX We received confirmation that Chase XXXX received our cancellation request and that no additional action was needed unless we hear from them. XX/XX/XXXX : I received an email from Chase XXXX stating the hotel had not been cancelled on Itin : XXXX ( which is the wrong itinerary number ) stating that my travel dates are not covered by the latest waiver policy. They also referenced the non-refundable terms. Yes, for normal purchases, I understand but their COVID-19 refund policies indicate that this reservation was eligible for a refund. Here is a copy of the policy from XX/XX/XXXX from XXXX CEO XXXX XXXX that states that those dates ARE COVERED : XXXX We contacted Chase XXXX because we had not received a refund. They advised us to enter a dispute with Chase. The dispute was entered and credited back to us. XX/XX/XXXX : We were notified that the disputed charges were considered valid. These findings are incorrect as proven by a Chase XXXX supervisor on XX/XX/XXXX where the merchant had no record of me canceling the request because CHASE XXXX DIDNT CANCEL IT! The hotel had us listed as a no show instead. The findings from this dispute reference a did not cancel screen shot from XXXX group and stating that I did not attempt to cancel my reservation. My reservation is NOT WITH XXXX! ( And yes I realize they are the Chase XXXX back end. ) In contradiction to that screen shot, here is the email showing that I DID CANCEL THIS RESERVATION : XX/XX/XXXX : We contacted the XXXX who verified we did not stay in their hotel. XXXX reference XXXX. Using the Chase XXXX chat function, I once again requested a refund which XXXX from the Chase XXXX Center said was submitted. XX/XX/XXXX : Once again using the Chase XXXX chat function, I requested follow up on this refund where I was told that the hotel didnt reply to the Chase email for the refund request and they called the hotel right then but couldnt reach anyone. At this time I was told the agent would obtain a waiver request and escalate this to the higher department to send a follow up email to the hotel. XX/XX/XXXX : Once again, following up in Chase XXXX Chat who now advised that I should speak with a manager at XXXX. I called to speak with a supervisor. The agent attempted to connect us but the call wouldnt go through. The agent then told me that my call was escalated and that the supervisor would CALL ME BACK ; no one ever did! XXXX We contacted a Chase XXXX supervisor again who was also able to verify with XXXX that Chase XXXX had actually never canceled our reservation per their stated process on XX/XX/XXXX and XXXX had us down as a no-show. Having discovered this, the supervisor issued the credit which was confirmed in writing that it was processed : XXXX After still not receiving the refund, I called Chase XXXX again to determine why. They indicated that the Chase Dispute department canceled the refund. This refund was issued by Chase XXXX Powered by XXXX and JP Morgan Chase dispute department has no right to block what Chase XXXX has verified as a valid refund. We have all been impacted by this pandemic and Chase has committed themselves to assisting those impacted and providing excellent customer service ; you have failed! You are a huge corporation with {$2.00} XXXX in assets. Ive been laid off and am asking for {$1600.00}. Im pretty sure you can make this happen. This is my money and I want it back! Chase XXXX indicated that I should contact the Chase dispute department to resolve the issue. They indicated that Chase XXXX cant issue the refund that the Chase dispute department must do it. After entering yet a second dispute for this issue, the Chase dispute department indicated that they can no longer assist me via phone or email on this issue and that I need to mail or fax them a letter! XX/XX/XXXX : I faxed a 4 page letter to XXXX documenting the entire history including TWO instances of written proof that Chase XXXX indicated that I was due and would receive a refund. On XX/XX/XXXX Chase responded that they were researching the disputed charges. On XX/XX/XXXX : Chase indicated that they found no billing error and would no longer communicate with me regarding this issue. XXXX After reaching out publicly on Chase XXXX and XXXX , I received a response and a letter from XXXX stating From : XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX To : Subject : Flight Billing and Refunds - Itin : - Case ID : XXXX XXXX XXXX XXXX XXXX Hello, Thank you for allowing Chase Ultimate Rewards XXXX to resolve your issue . We apologize for the inconvenience this has caused. We are writing to tell you that the XXXX XXXX XXXX XXXX has been processed back to the original form of payment. Cash refund amount - {$1600.00}, Points refund amount - XXXX The XXXX XXXX XXXX XXXX has advised it may take up 7 to 10 business days for the cash to post to your account. It may take up to two billing cycles to see the credit posted to your account. Please be assured that you are a valued Cardmember and we look forward to your continued patronage. If you need more information or if we may be of further help on this matter please contact us at XXXX and request a supervisor. Were available 24 hours a day, 7 days a week. Sincerely, XXXX XXXX Chase XXXX Supervisor Email security information Email intended for : XX/XX/XXXX : Chase indicated they were researching the charges I disputed. XX/XX/XXXX : Chase indicated the transactions I disputed were validafter having documented a refund owed! This statement clearly indicates the disconnect because Chase IS the merchant : While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error has occurred on your account. They also refuse to assist me further Because we have conducted a thorough additional review of your dispute and can not find a valid billing error, we will not respond to future correspondence from you about it. I followed up on XXXX via email because the refund from the merchant Chase XXXX still had not arrived. Initiated a follow up via Chase secure messaging on : XX/XX/XXXX. On XX/XX/XXXX Chase indicated I would receive a response in 1-2 business days then on the same day that due to increase volume I can expect a delay of a week or more and not to resend a request because it could further delay a response. I have yet to receive a response or the refund. | ||||||
| 02/13/2023 | Yes |
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| STATUS Submitted to the CFPB on XX/XX/XXXX XXXX XXXX XXXX or prepaid card ISSUE Problem with a purchase shown on your statement We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT A fraudulent account was open in XXXX, with Chase Bank. I discovered this account personally, back on XX/XX/XXXX of XXXX. And there was multiple drafts : Checking account : XXXX - {$3000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX On XX/XX/XXXX I finally got all the information together. And I reported it to my Bank and Chase Bank, I struggled with Chase Bank for about a year. On XX/XX/XXXX they said they would reverse the charges but now they are reversing it and saying that they will not pursue me but will also not refund my money. XXXX from Fraud operations, to inform me that " she has accepted my fraud claim on this account and that I would not be responsible for any balance, please allow 48 hours to adjust the account and call back to confirm, after I called they said they are rebilling it, and that they are reversing what she decided. '' XXXX full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We're still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us is that either you or we may close an account, other than a CD, at any time for any reason or no reason without prior notice. For more information, please see the Deposit Account Agreement. You were provided a copy of the agreement when you opened your account. You can see the current agreement on chase.com. We are not required to give you a reason for our decision to close the account. We are not able to reopen your account and you are not eligible for a new account. We were not able to locate a checking account ending in XXXX in your name. We have no record of claims on file for the transactions detailed in your compliant. We respectfully decline your request for reimbursement. If you would like to dispute a transaction, please call us at XXXX, or complete the claim form on chase.com. We are not able to release copies of recordings, as they are for internal use only. We suggest you work with your local law enforcement to resolve this matter. We will work with them if they contact us. We apologize for the inconvenience this has caused you. ATTACHMENTS XXXX, XXXX - Final Letter - XXXX Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I made chase aware of the details and they have ignored and neglected the real information conveyed. This is repulsive, they need to be stopped. I plan to sue both parties for unethical operations and obstruction I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS They lied THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS They played XXXX What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your XXXX ending in XXXX My name is XXXX XXXX, I had a XXXX XXXX card that was paid and closed. My checking account was linked to it and when the online profile was taken over, a new application for this XXXX XXXX ending in XXXX was opened without my knowledge or authorization. The fraudster used the linked checking from the previous valid account to make payments without my knowledge or authorization. Ive had this account already blocked by all the reporting agencies, the communication I received when I disputed this account which chase, was a determination that I was responsible for this account based on the payments completed from the linked checking account that I was the soul owner of. Its not only XXXX, but criminal your team decided to neglect the previous attempts by both XXXX XXXX and myself a year ago to dispute and recover these payments, and have proceeded to Harass me for additional payments to an account I do not own, yet chase attempts to hold me responsible for based on their belief I submitted payments consciously to this fraud account, with record of the ach disputes on file with your team. Attached please find the ach disputes I filed a year ago, submitted for review again. Ive sent these documents a number of times, and its XXXX to think chase has been in business at the capacity it currently operates with such criminal neglect to the information contradicting their findings, or attempts to sue me for additional money, while you guys Hold over {$9000.00}, an amount of grand larceny, after many attempts to recover these funds. You have 7 days to get me the refund for the ach drafts completed to chase without my authorization or Im prepared to take legal action and exploit the criminal actions made by chase in this matter with knowledge/ record of correspondence to XXXX XXXX refusing to refund the ach disputes we placed, as well as all the laws and violations committed by chase under the fair credit reporting act. My cell is XXXX. Please feel free to reach out to me at any time of any day. This matter requires your immediate attention. Please do the right thing, I will not stop until you do. XXXX XXXX Ss- XXXX XXXX XXXX XXXX XXXX, NJ XXXX C- ( XXXX ) XXXX If you guys play XXXX and XXXX to me in response, again, as XXXX did on monitored and recorded lines, Ill sue for everything I can. Ive never been so disgusted and victimized. Chase is a nightmare and must be stoped | ||||||
| 11/16/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by Chase. Despite numerous attempts to rectify these issues on the account XXXX, Chase has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, XXXX, XXXX, etc ) without my explicit consent. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. Chase has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great mental distress and anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. Chases actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized Chase to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by Chase directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of Chase also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like Chase, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXX XXXX The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached Chase in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of Chase when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by Chase and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by Chase and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that Chase and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates Chase in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by Chase, agents of Chase, and any assigned collection agencies that purchased this account from Chase. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by Chase necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against Chase to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like JP Morgan Chase are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX | ||||||
| 06/20/2017 | Yes |
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| I made purchase XXXX/XXXX/XXXX ( merchandise was going to be shipped, I did not receive product at time of purchase ) in the amount of {$4300.00}. I later that evening had buyers remorse but MORE SO, I felt I had been taken advantage of, scammed. So at that time I researched the company online and found numerous complaints. There were many people that had had the same exact sales pitch ( pulled into store from sidewalk offering free gift for allowing them to perform facial to promote their product, felt pressured, etc, etc ). After some time, the store had already closed so they were rushing to " finish the deal '' with this being the case, complete, proper information and details of sale WERE NOT PROVIDED. I was still in spa chair when sales slip was brought to me sign. I quickly signed, I did not notice in very small print on bottom the statement No Refunds only 14 day exchanges. I also filled out a Shipping Authorization Form with my name and address information for them to ship products. On this form it states, ONCE PACKAGE HAS BEEN SHIPPED THE ORDER CAN NOT BE CANCELLED. The following morning XXXX/XXXX/XXXX at XXXX XXXX. I called and spoke to XXXX and told her I wanted to cancel my order. She said she would have to call the store to see what they could do because she was n't authorized. She called me back and said the store would not allow me to cancel because of the No Refunds Policy, 14 day exchanges only. After long drawn out conversation XXXX stated that 14 day exchanges was not exactly correct. If you realize you are n't satisfied with a product past that time period, they would exchange it. ( So what is the correct policy I am asking myself? ) She also stated I was verbally told of the policy and that statement is NOT TRUE. I WAS NOT VERBALLY GIVEN THAT INFORMATION. Anyway, XXXX eventually offered me a {$1000.00} discount to not cancel. Again, I thought that was even odd, ( why offer me a discount if they have provided fair, honest, satisfactory service? ) I told her that was unacceptable I wanted a full refund. I told her if package was shipped I would not accept it. The later dropped off package at XXXX XXXX at XXXX XXXX., SEVERAL HOURS AFTER I HAD CANCELLED!! I later called Chase and also sent them a letter dated XXXX/XXXX/XXXX disputing the charge. I gave them all details. Chase reversed charges while they investigated. I later received a letter from Chase dated XXXX/XXXX/XXXX post marked XXXX/XXXX/XXXX stating they had ruled in the merchants behalf. They stated Chase could not change the merchants " No refund policy. '' Included with the Chase letter they included copy of the letter the merchant ( XXXX XXXX ) had sent them ( I have found they have at least four different company names ). This letter was full of dishonest, inaccurate information. For example, " made an initial purchase of {$750.00}. '' I did no such thing! Did not happen. Also, something about " bad phone number for Customer Service?? '' I provided proof of call to cancel from my XXXX bill dated XXXX/XXXX/XXXX XXXX XXXX. phone # XXXX. This is supposedly their corporate office? I also researched this, the name on the bldg. is XXXX XXXX XXXX XXXX. I guess they have a desk there? ) I continued to ask, " what about the Shipping Auth.form stating Once package has been shipped the order can not be cancelled? '' I had proof I had cancelled order prior to shipping. I had included with my letter that I had sent Chase, my XXXX bill with proof of call ( s ) to merchant. Along with all documentation. Every time I have spoke to a Chase representative the only thing they say is the statement " No refund policy. '' I honestly do not believe Chase did a thorough investigation of this dispute. I do n't think they looked at any of my documentation I provided. Also, THEY OBVIOUSLY HAD N'T RESOLVED THE DISPUTE WITHIN THE TWO BILLING CYCLE REQUIREMENT!! I have mentioned this numerous times and whomever I 'm speaking with at Chase and I never get a response, they act as if they do n't know what I 'm talking about? After receiving XXXX.letter, I called left messages twice. Then resubmitted all information as I was instructed by XXXX in disputes dept. of Chase on XXXX/XXXX/XXXX approx XXXX XXXX He stated if I did n't agree with their findings I could resubmit everything. I had n't heard anything from Chase after speaking with XXXX on that date. I called on XXXX/XXXX/XXXX spoke to XXXX supposedly a supervisor disputes dept of Chase. Again, only thing I am told is " No refund policy. '' I asked her if anyone had actually read any of my documents, of course she could n't answer that question. I asked to speak to her Manager, she told me she was as high as it went. I said no, I 'm sure she has a manager, who can I talk to? She was very rude and certainly reluctant to give me any further information. She eventually said I could escalate the dispute to the Executive Office. I asked her how I could reach them and she gave me their address. So, I typed another letter, submitted all documentation and mailed certified mail on XXXX/XXXX/XXXX not only to Executive Office address she gave me but I included copies to XXXX XXXX, Executive VP Customer Service and XXXX XXXX XXXX, CEO XXXX XXXX XXXX. Interesting enough, I received a call on XXXX/XXXX/XXXX from XXXX with the Executive Office. I had submitted an online message regarding my XXXX XXXX statement. I did n't receive one AND THERE WAS N'T ONE ON THE WEBSITE. So, I had inquired why? XXXX then informed me I had a XXXX balance and there had been no activity on the account, therefore NO statement is generated. This proves that they had n't resolved the dispute within two billing cycles, I had a XXXX balance and their letter was dated XXXX/XXXX/XXXX. I mentioned to him I thought he was calling regarding dispute and/or past due payment? I then continued to give him all of the background information about the dispute. I told him I had sent three certified mail packages XXXX/XXXX/XXXX and they had n't had time to get there yet. He was very respectful and stated he would get with the merchant services department and get back to me. Well, I received a call back from him earlier today which prompted me to file this complaint. He started telling me all the same information I have heard now for going on nine months. No refund policy, the merchant had told me no refund. I asked him, " what about the violation of the Fair Credit Billing Act? '' There is silence on the other end of the phone and he acts as if you does n't have a clue about that? Maybe he does n't? So, where I stand currently is this balance is still on my account. The merchant has the product, I only have the bill! Delinquent account has been recorded to credit bureaus which definitely upsets me! I have never had a delinquent account. My credit is important to me and I pay my bills! I made that statement to Chase as well. I have had that account over 20 years and have never been delinquent. That should have given them a red flag that there was a reason for non-payment. The three certified packages I sent may be received today? So they have n't had time to respond to them. I would appreciate all the help I can get. I plan to file a complaint about this business too. They are taking advantage of people and they know it. I want to worn others to hopefully prevent anyone else to have to deal with this issue. I would love to put them out of business! I have probably forgotten something? I appreciate any assistance you can give me. Thank you, XXXX | ||||||
| 10/12/2020 | Yes |
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| A friend of mine had sent me a referral link and said I could get a bonus of XXXX points upon sign up and so would he, soon course I opened the link, and with it I Applied for a Chase Sapphire Preffered Card on XX/XX/2020 and after verifying my identity on XX/XX/XXXX was approved and the account was opened on XX/XX/2020. A starting Credit limit of {$11000.00}. Only to learn a few days later after re-instating my chase online banking. That the account was closed on XX/XX/2020. Thin king this was a mistake on the banks end I ask why the account was closed, and was transferred to the fraud department. They advised me they could not disclose the reason why and should wait for the letter in the mail explaining reasons for closure. Fortunately I was able to have this letter on date of print via the online portal. ( see attached ) the letter stated the account was closed due to the following reasons. 1 ). NOT ENOUGH CREDIT INFORMATION ON FILE 2 ). TOO MANY REQUESTS FOR CREDIT/REVIEWS OF CREDIT I askwhy they would approve the account if it was just going to be closed due to a random review and if they would reconsider the account closure, as I was perplexed as to why for these two reasons they would close the account. I asked which credit bureau did they pull. And they said XXXX on XX/XX/2020. I asked them that I have over 4yrs of credit history which is suffice for the credit history information and should only have 1 inquiry which is not relevant to my credit report. They then put me on hold and said they would send it off for review on XX/XX/2020. To add insult to injury I received the card in the mail shortly afterwards. Was unable to activate it. After 7 days I received notice 2 days earlier that the reasons were still there for decision, and reason was they pulled the same report. So they did not see any change in the information. Nobody had informed me that they pull the same report within 30 days. So I asked them to pull a different bureau to show reasoning they said it was random as to which bureau is pulled. But would put it in the notes on XX/XX/2020. After further deliberation was informed via mail on XX/XX/2020, that on XX/XX/XXXX it showed they had pulled my XXXX report but the same reasons had still shown I said this can't be right. And asked for a 2nd look again. They reviewed it again and on XX/XX/2020 confirmed only 1 reason : 1 ) .NOT ENOUGH CREIDT INFORMATION ON FILE. at this point I couldn't have them pull another report tmsijce they weren '' / within 30 days and had to wait until after XX/XX/2020 to pull my XXXX report, and maybe my accounts haven't aged much and decided to wait and decided to have them re-review it after so on XX/XX/2020 I put in the request. XX/XX/XXXX i called in and was told it was still pending, so waited a little more On XX/XX/XXXX I received a letter notice online and this time the reasons were. 1 ). NOT ENOUGH CREDIT INFORMATION ON FILE Still!!! So I had had enough a requested i speak to a supervisor I received a call back on XX/XX/2020 and spoke to a supervisor. I asked over and over again why they same reasons, and explainsd that I don't have alot of creidt history due to the fact my previous accounts had been victimized by identity theft and were purged from their system. He said because of this I had only 1 open tradeline, they do not evaluate authorized user accounts. And that this line was too large to approve. I asked them wait, only 1, I should have more than 1 open individual tradelines, he told me he only saw one. And it was confirmed later by the credit bureaus that indeed my other tradelines had not posted. So with that I asked if I could get these tradelines to post this would help improve that NOT ENOUGH CREDIT INFORMATION ON FILE status. Since that was the only reason for the denial for reinstatement. He told me it would show credit history and it would be considered. He also said that I had 6 months from date of closure to reinstate the account according to chase policy. I spent almost 5 months trying to get my XXXX XXXX XXXX card to report to the credit bureaus and had called everyone disputed it with the credit bureaus including the company corporate and had repeatedly asked them to re-insert the account held. The requests were processed and told me a waiting period of 60 business days was in effect but after 60 days it still did not show anywhere on my profile I checked all 3 bureaus and they did not post. I kept requesting it, they said it had processed through! I recently filed it again this time directly through corporate and they said they would personally see to it that this post to the credit bureaus. However this isn't just my only my issue, currently the other issue is on XX/XX/2020 I had called in 7 days before my reinstatement request would expire to give it one last shot at reinstating the account. And was puzzled because I could not verify my account through the automated system, neither with my SSN either and when I got through the automated system I tried with a rep, they also could not find the account,, after digging they said the account was purged from their system on XX/XX/2020, where the REP said that the account was closed on XX/XX/2020 which is exactly under 5 months from closure. I'm confused and speak to the fraud department who were in fact the corroborating team to the department that closed the account. They said I only had 30 days to reinstate my account. I said thats not what I was told but since my account was purged all my interactions with chase are no longer existent. So I can't even prove my myself and was told that the account is no longer available to be reinstated. Here 's where this is tricky, so even though the account was open for less than 24hrs it still reported to the credit bureaus in XX/XX/2020 but it was never reported open, so now I have an account on my file that shows it has been closed through same month it was apparently opened which dinged my score. And it is report that it was closed by the credit grantor. So this makes me look irresponsible, it doesn't say paid as agreed or anything positive. So it does not reflect as financially responsible. More so a limalarkey. Also my online banking has been deleted as well which is weird also, I understand the account but why my online banking details as well? So let 's recap 1 ). I have a non existent account. 2 ). The non existent account reported to credit bureaus as closed by credit grantor after 24hrs of opening. 3 ). Was told I had 6 months to reinstate the card. 3. ) Account was purged early and now there is no way to reinstate or reevaluate account closure. 4 ). Due to reporting of the non existent account will impact capability to re-apply. There is not enough credit history. Can't apply due to the fact it'll be the same happening again where they approve it based on fico score, where it will say : NOT ENOUGH CREDIT INFORMATION ON FILE Again this is the only reason, this is not fair to myself and have heard great things about chase and was hoping to be a customer. Since everyone says the best card is through chase. I don't care about the credit limit i just wanted the card because I travel a lot and I got miles on the card and points for travel spending as well as shopping and cash back. I was approved for it, I was sent the card. Why was it opened in the first place if you were just going to close it?! And why was it purged from the system I've never heard of such malarky. | ||||||
| 06/24/2022 | Yes |
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| Re : Claim Number XXXX I am writing regarding a fraud/scam about two transactions worth of {$500.00} and {$300.00} through XXXX which occurred on XXXX. The narrative below explains the series of events and why I feel the harm could have been prevented or resolved in time. I posted an add on XXXX XXXX and I started getting electronic texts from the buyer through XXXX XXXX app about the item I was trying to sell. The buyer showed interest in buying the item and asked me for my address, XXXX number and email id. She claimed she made a payment of {$340.00} through XXXX. I also got an email from XXXX stating the same. I was informed to contact the buyer to make another {$500.00} payment to me so that XXXX can release the original payment. She agreed to send me {$500.00} and asked me to refund that {$500.00} back to her. I resisted and asked I could not understand why I was getting asked to refund the money. I also informed her I can not share the screenshots from my chase bank mobile app. I immediately contacted XXXX XXXX customer support ( at XXXX PM, before the transaction occurred ) for inquiring about the legitimacy of this request ( proof attached here ). Shortly after, I got another email stating the total amount of {$890.00} ( XXXX original payment+XXXXXXXX business account bonus+XXXX security fee ) and followed by another email stating {$1100.00} would be released in 30 minutes once I refund the {$500.00} back and pay for the certificate fee of {$300.00}. I replied to the email asking what {$300.00} was for and If I would get the refund. The buyer tried calling me multiple times ( chat history attached here ) and a few minutes later, I received a notification from the chase bank mobile app ( at XXXX PM ) stating the {$300.00} was transferred to a person named XXXX ( screenshot attached here ). I immediately checked my chase bank mobile app and there was another fund transfer of {$500.00} already under pending status. Although, I opened the chase bank mobile app multiple times during that day and I also opened XXXX Pay option on that app but I do not recollect any memory of myself completing the transaction. I called chase bank customer support immediately ( call log history attached here ) and asked to cancel the pending transactions. I was informed that the transaction could not be cancelled even when called within minutes. However, I was reassured that the claims department would be able to take care of it. I also filed a claim for these two transactions. I blocked my chase bank online access immediately after the incident. I then kept getting emails and calls from the fraudulent person multiple times later in the day but I did not entertain. I also filed a police report for harassment through electronic communication ( report attached here ). How the harm could have been prevented/resolved? I called chase bank customer support immediately within minutes of these transactions and I was informed they could not reverse it but I was reassured that the claims department would be able to take care of it. When I contacted customer claims department of Chase bank, I was asked if I initiated the transaction. I informed that I opened the XXXX through Chase bank mobile app to see who the recipient was, I entered the details but I do not recollect how the transaction was complete. The claims department did not note my claim completely and the call was disconnected unfortunately. However, the claim was submitted incomplete. I called them again and the claim was completed for a fraud/almost scammed. On XX/XX/XXXX, I received a denial letter stating the claim was denied as per agreement. I called the claims department and explained there was no agreement that the letter was referring to. I was reassured that the investigation team was taking it as a Fraud and I would be getting my funds back within 10 business days ( by XX/XX/XXXX ). However, I receive another denial letter on XX/XX/XXXX from Chase bank stating the transaction was authorized by me. I appealed the decision and uploaded all the supporting documents to support my case. The documents were accepted on XX/XX/XXXX but the case was denied again. I spoke with the claims department on XX/XX/XXXX and I expressed my legal right to claim refunds of the payments not approved by me under electronic funds transfer act ( XXXX XXXX ). I also referred to the Consumer Financial Protection Bureau directive, stating the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' This is when someone tricks you into making a payment. So the whole idea that treachery is involved should mean consumers are protected by XXXX XXXX I was informed by claims department that since the investigation team could not prove those as unauthorized transactions, XXXX XXXX could not be applied since it was a scam. However, shortly after when I spoke with the claims escalation team, I was informed that the bank tried to contact the partner bank on XX/XX/XXXX to recover the funds based on XXXX XXXX considering a scam, but the funds were withdrawn by the receiver and the partner bank denied the recovery of those funds. I also contacted the buyer again to send me the money in a good faith, however, the buyer confirmed she did not receive the money and claimed her money was stuck in the bank as well. In addition, I contacted XXXX and reported this fraudulent account, however I was informed that the Chase bank is one of the partner banks and should be the XXXX responsible for one-time courtesy credit in case they are unable to recover the funds ( in contrary to what I was told by Chase bank to contact the XXXX to give one-time courtesy refunds when I called them on XXXX ). I have attached proof of all the email and chat conversations with the XXXX and the buyer respectively, the call log history with Chase claims department and customer support. I performed all the steps to report these fraudulent transactions including a police report, contacting XXXX and chase bank in a time-sensitive manner. I still had to suffer the harm and I believe it could have been prevented or resolved. The following are the reasons I believe Chase bank should have done a better job in preventing or resolving the harm. 1. Insufficient guidance- I was not guided sufficiently on next steps to deal with this fraud/scam. For an instance, I was asked to contact XXXX immediately after the incident while XXXX pay clearly suggested to contact Chase bank since the payment was initiated by XXXX feature in Chase mobile bank app. I was informed about the difference between fraud and scam on XX/XX/XXXX ( seven days later ) when I asked how it would change the way claim department would deal with it. The unnecessary delay of two weeks in applying XXXX XXXX and the consideration of fraud vs scam lead to a lack of recovery from the partner bank since it was too late ( as the money was withdrawn already from the account ) while the result could have been different had the chase bank approached the partner bank on the same day of the incident report. 2. Misinformation- The denial letter indicated that the claim was denied as discussed while there was no discussion of why claim would be denied. 3. False reassurance- I was reassured falsely that I will get the payment based on Fraud consideration instead of giving the clear direction of next steps. Please review my request and consider it for refund of the money I lost. Thank you. | ||||||
| 09/16/2022 | Yes |
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| My Chase business checking account was compromised on XX/XX/XXXX. I have alerts set up to email or text me on all for accounts for any transactions over {$1.00}. I received an alert on the morning of XX/XX/XXXX for a large transaction. I logged in and saw the charge for {$5600.00} then immediately called my bank. While on hold I ALSO noticed XXXX more smaller charges from the same merchant/signer ( neither of which I have done business with nor are an authorized name on my account ), all for under {$1.00}, 2 days prior. I am an XXXX XXXX for the underwriting division of a major small business lender, so I am very familiar with fraud and the various tactics of these hackers. They were phishing. There were 2 small deposits ( - {$.00} and- {$.00} ) and 1 debit ( {$.00} ). The low amounts would explain why I was not alerted before the larger transaction hit my account 2 days later. They were under my {$1.00} alert limit. Upon calling on XX/XX/XXXX, I was transferred to the claims department where I told the claim XXXX about ALL 4 CHARGES and that NONE were authorized. She completed filing my claim and said I would be receiving a provisional credit for the transactions once the larger one cleared as it was still pending when I called. Since it was coming up on the weekend I waited until the following Tuesday to follow up. On Tuesday morning XX/XX/XXXX I logged into my account and did not see any credit. So I called. I spoke with a man who I tried to understand his name but I could not and only caught the first letter XXXX or XXXX He advised me claim was closed and denied because they deemed the large transaction authorized since there were XXXX more 2 days prior from the same merchant with the same signer. Again ALL of which I included in my first call. The original claims XXXX, whom I did not catch their name, failed to include the first XXXX transactions which resulted in my claim being denied and deemed authorized. I then explained to the 2nd claims XXXX I spoke with, that it was clearly a mistake on the 1st claims specialists part and said to even go listen to the recorded call and to please reopen the claim and include ALL the transactions. He put me on hold for approximately 10 mins to speak with his " back office '' and see what he could do. When he returned he told me there was nothing they could do, the decision was final and I could not reopen the claim. He then said I'd have to take it up with the merchant and request a refund. Let me repeat : HE TOLD ME TO CONTACT THE FRAUDULENT MERCHANT AND ASK FOR A REFUND. I have never in all my years in the industry ever heard of bank telling a customer such a ridiculous statement. After going back and forth and getting nowhere I asked to speak with a XXXX and that is when, after holding another 20 mins, I was transferred to supervisor XXXX. She by far was the XXXX supervisor in a customer service department I have ever spoken to. I barely spoke 10 words when she immediately stopped me from and started to tell me what the claims XXXX told me, that my claim was closed and there was nothing they could do. I kept trying to explain this was not my error, this was clearly a mistake on the part of the original claims XXXX and there had to be a way to just correct it or start a new claim with all the correct information included. She continued to interrupt me and repeat the exact same words, as if I were a child or an XXXX, and she refused to listen. After 4 attempts to get her to understand the issue, I finally just shouted " stop please you're not listening! '' but before I could finish the words she put me on hold ... for 23 mins. I realize my shout upset her but I was at my wits end with her failure to listen. So I waited. When she finally picked up, I was calm knowing I needed to remain calm and shouting would not help, but she never even gave me the opportunity to speak again and immediately said " you have overstayed your welcome thank you for banking with chase '' and promptly hung up. At this point I began sobbing. I have never felt so helpless and my bank who is supposed to help protect my assets and my accounts, basically aided, and abetted a thief and left me at a complete loss. I attempted to calm down and called back. In tears, I asked the customer service rep to please transfer me to a supervisor in the claims department. After another 15mins I was transferred to a supervisor named XXXX who finally took the time to listen to me, even as I kept sobbing thru my explanation of all the above. She was calm and kind and did what none of the other specialists or supervisor were willing to do. She reopened the claim and added the notation that all transactions needed to be included and SHE even noted that the name on the transactions is not an authorized user or signer on the account. She noted that they were like a XXXX verification and the name on the transactions should be a signer on my account as well. She stated that I should hear back in 4-5 days and didn't see why the claim would be declined now that ALL the information was submitted correctly, and it clearly was not someone on my business account. On Wednesday XX/XX/XXXX I called in just to confirm that my claim was in fact reopened and included all the information that XXXX stated she added. The XXXX I spoke with by the name of XXXX confirmed it all and then noted that I needed to be sure and go into a bank to open a new account since this one was compromised. To which I told her i already have an appt for next week on XX/XX/XXXX since that is the soonest my bank had available to see me and walk ins would be a long wait. But I am monitoring my account and she did help me place a stop pay for the merchant in the meantime. Then yesterday XX/XX/XXXX I logged in to my account to see if there was any update and discovered I received ANOTHER letter identical to the first one ALSO missing the initial XXXX transactions, stating my claim was denied AGAIN! I am beside myself and do not know what else to do. I tweeted Chase Customer Service and they messaged me but I honestly do not expect any better service from there. I am a victim of theft but Chase and their claims department has failed me, my family and my business leaving us helpless yet again. I have not slept in days and am beyond stressed over how this could have happened or why my own bank is treating me like the criminal instead of helping me. Our business is a lifelong dream. We had a restaurant that was closed down after only having been open for 6 months ( and our life savings exhausted ) due to covid. We have been struggling to remain in business as best we can by doing just catering until we can afford the extreme increase in costs the pandemic has caused, so a loss of this amount is devastating to a struggling small business, especially when we are trying to survive week to week while the bills keep coming. This is not how a customer should be treated. I chose to bank with Chase when we started our business because of its business banking reputation but THIS... THIS is beyond unacceptable. I am upset, disgusted and devastated all at once, that a major bank has shown this small business customer some of the worst customer service I have ever experienced. Chase has failed me and I would like to hold them Accountable as well as help getting my claim resolved and my fund returned. I will supply all documentation I have to assist in getting my funds back. Thank you in advance. | ||||||
| 05/11/2020 | Yes |
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| I am not in receipt of merchandise ordered from XXXX XXXX. Please kindly note, this incident and claim was prior to the COVID-19 outbreak and state-wide closures. Now that Chapter XXXX bankruptcy has commenced and stores closed, XXXX and XXXX XXXX websites indicate that I am to dispute the claim with my credit card company. Chase has indicated to me that XXXX believes this to be a valid claim. In addition, Chase has determined this to be a valid charge despite any support. The following details what occurred related to this claim : ( i ) On XX/XX/2020, I selected furniture, including a lamp, coffee table and side, tables, a mattress, bed frame, pillows and a mattress cover, and a bar and bar stools. That sales order is attached to this letter. I paid a deposit of {$1200.00}. On that day, I was provided the pillows and mattress pad. The total, including sales tax of those items was {$520.00}. As a result, I have deducted that amount from the transaction amount of {$1200.00} in my claim. ( ii ) On XX/XX/2020, I was contacted via phone by the sales associate, XXXX XXXX, indicating that XXXX XXXX was closing and that many of the items I ordered were not available. I was told the lamp, mattress and bed frame were in a warehouse and could be delivered. I could have the floor model of the coffee table, but it was badly damaged and I would have to take it as is. ( iii ) On XX/XX/2020, I met XXXX XXXX at the XXXX XXXX XXXX in XXXX. I paid the remaining balance for the lamp, mattress and bed frame, which totaled {$3300.00}. That sales order was provided to Chase. Delivery was set for XX/XX/2020. ( iv ) On XX/XX/2020, I received a call from someone at XXXX XXXX, the parent company of XXXX XXXX. They indicated delivery would not occur on XX/XX/XXXX, due to trucking issues. I would be contacted back with an updated delivery date. This was via voicemail and the person did not indicate their name. ( v ) On XX/XX/2020, I received another call from someone at XXXX XXXX, the parent company of XXXX XXXX. They indicated delivery would not occur on XX/XX/XXXX, due to trucking issues. I would be contacted back with an updated delivery date. This was via voicemail and the person did not indicate their name. ( vi ) On XX/XX/2020, I contacted XXXX back. I indicated that I would accept a refund for the merchandise. I was told they were not issuing refunds due to their bankruptcy. Note that the order and payments were placed on merchandise prior to their bankruptcy and apparent liquidation sales. The refund and return policies are listed on the sales order. I stipulate that not issuing a refund was in direct contradiction to the signed sales order and agreed terms. I was provided two options ( i ) I could pick the lamp, mattress and bed frame from the warehouse outside of XXXX, PA ( more than 4 hours away ) or ( ii ) they can send it to the XXXX store, but I would have to pick it up. I told them I had no way of picking up a mattress and bed frame with my vehicle and that based on the total purchase, was eligible for included delivery and set up. I was informed it was my problem to pick up the merchandise. I requested compensation for the delivery and setup, which I was denied. I informed the representative I had no choice but to contact Chase and dispute the charge. I was told to do what I had to do. ( vii ) On XX/XX/XXXX or XXXX, I filed the claim with Chase, and received Chases temporary credit and letter on XX/XX/XXXX. ( viii ) On XX/XX/XXXX, I received a call from someone at XXXX XXXX. They indicated that my furniture would not be delivered today, the scheduled delivery date. I informed them of the call the day prior. I again asked for a refund. They also indicated that I would not receive a refund due to their bankruptcy. I had a similar discussion. I was provided two options ( i ) I could pick the lamp, mattress and bed frame from the warehouse outside of XXXX, PA or ( ii ) they can send it to the XXXX store, but I would have to pick it up. I told them I had no way of picking up a mattress and bed frame with my vehicle. I requested compensation for the delivery and setup, which I denied. They indicated they were going to ship the mattress and bed frame to XXXX. ( ix ) On XX/XX/XXXX, a friend with a pick-up truck offered to help me and pick up the furniture. So, with that, I figured maybe I could find some resolution with XXXX and just pick up the furniture. This seemed easier than continuing to fight with XXXX XXXX. ( x ) On XX/XX/XXXX, XXXX and XXXX, I called XXXX XXXX and in each instance, I was told the merchandise was on its way and would be in XXXX on Thursday. Given that ( xi ) On, Thursday, XX/XX/XXXX, I called the XXXX store. I asked to confirm that my merchandise had arrived and asked if they were open the following day and what times I could pick up the merchandise. She asked for the order number and looked up the account. She said the merchandise should be there by the end of the day Thursday and they were open on Friday, but to not bother coming. Their system was showing the amount was refunded to my card and I wasnt getting a mattress that I didnt pay for. I told her that her implication was absurd given what I have been through. She indicated that there was nothing she could do and they would not allow me to pick up anything and told me to not come to their store. Considering my friend with the pick up truck was coming from over 1 hour away + would drive another 45 minutes to the store + spending time during their day to load up, drop off and help with bring the stuff into the house, I told them not to come based on the decision of XXXX not to release the merchandise to me. ( xii ) I attempted to call Chase on XX/XX/XXXX for an update on the claim. I called the dispute line and waited approx. 45 minutes. I finally got a representative but the rep was in customer service that was unable to help. The rep indicated that the wait is so long, calls were being routed to other lines. ( xiii ) On XX/XX/2020, I received a letter from Chase indicating that XXXX continues to provide information to support their position that the goods were delivered. This is simply NOT TRUE. I have been provided NO SUPPORT for such claim and not received the goods. Chase has rebilled my account and indicated I am liable for the amount owed. ( xiv ) On XX/XX/XXXX, I responded with the attached letter and information. ( xv ) On or around XX/XX/2020, I received a letter from Chase that was supposed to show the support from XXXX that Chase used to determine the charges were valid. The document was simply blank with no attachment. I believe that Chase, given their actions to rebill me, not support their decision with anything substantive and ignore my follow up responses is in violation of the Fair Credit Billing Act. Chase has made a decision regarding this matter on the last day of the 2nd billing cycle, I believe, to comply with that requirement, but ignoring all the information provided by me. I have not been able to reach ANYONE at XXXX to continue to work with them on this matter and believe I have no option but to continue working with Chase. XXXX indicating to Chase that the charges are valid is in contradiction to their website advice and Chase accepting that statement is absurd. I have also asked for the name and phone number Chase is using to contact XXXX / XXXX XXXX since I can't get a hold of anyone at this company. Chase has not provided that ... | ||||||
| 12/13/2021 | Yes |
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| XX/XX/XXXX I am, and have been, a loyal customer of JP Morgan Chase Bank for over eleven years now, and I have continuously trusted Chase Bank with my life savings ( many thousands of dollars- ) to safeguard and protect. I have been so very satisfied with the service I have received from Chase Bank -- until recently. As of late, I have unfortunately experienced such ill treatment from Chase Bank, all of which is explained below, and after experiencing the most egregious of circumstances imaginable ( due ultimately to Chase Banks lack of safeguards, rules and regulations that should have been implemented long ago to protect their valued customers, like me ), I write to you to assist me in resolving my predicament promptly and to my satisfaction. On XX/XX/XXXX, I was threatened by professional fraudsters impersonating the XXXX and FBI who communicated to me that my life was in peril, as well as those of my loved ones, because my personal identity information had been stolen by dangerous drug smugglers. Under intense duress and dire peril, I was compelled to conduct two wire transfers in the aggregate amount of XXXX XXXX XXXX XXXX XXXX ( {$29000.00} ) Dollars from my personal Chase Bank account. These professional fraudsters not only communicated to me over the phone that my identity had been stolen and that my life was in immediate danger, they informed me that a host of multiple unauthorized bank accounts had been opened under my name to facilitate the illegal use of drug smuggling. These professional fraudsters informed me that I had to assist them in their investigation or face multiple misdemeanor and felony charges. Part of assisting them included the aforementioned wire transfers. They compelled me to immediately make the wire transfers in person at my JP Morgan Chase Bank branch or suffer severe legal ramifications that could not be undone. After wiring the money, I contacted Chase Bank and the Chase Retail Wire Servicing department and all to no avail. Chase Banks servicing department was completely unresponsive in resolving this situation, returning my money and/or adopting any safety measures so as to ensure this does not happen again to another valued Chase Bank customer XXXX As a long-term Chase Bank customer myself, I find Chase Banks flimsy response to my dilemma completely unacceptable. Please see the following bullet points that outline the mistreatment and counterproductive customer service I have received from Chase Bank over the past few weeks : Two wire transfers from my account were made with no safeguard alerts in place, nor questioning from any bank tellers ; whereby I, a native XXXX XXXX, was making an international wire transfer in a substantial amount to an international bank located in a foreign country- all of which should have raised flags with Chase Bank in processing these wire transfers. I received no confirmation calls from Chase Bank while processing wire transfers, nor after either wire transfer was made ( which is standard practice and customary in the banking industry in order to prevent what has happened to me ) When I called the Customer Claims Wire Transfer Department to file a dispute, each representative with whom I spoke did not know what to do, and just kept transferring me to another department until I received no answers and the office ultimately closed. My dispute was delayed time and time again. After filing my dispute, I repeatedly called the Unauthorized Wire Transfer Department for updates every day, and all the representatives with whom I spoke assured me my dispute would be resolved to my satisfaction. Yet, after receiving the run-around from Chase Banks representatives , my problem still remains unresolved. Why are Chase bank tellers not trained to deal with such fraudulent wire transfer matters? If they were, such debilitating scams would be prevented. Why not return to me my money that was to be protected by Chase Bank after a decades worth of time that Chase Bank held and profited off of my money? Finally, I believe my case falls under Regulation E Part 1005.2 ( m ) Unauthorized Electronic Fund Transfer : 4. Forced initiation. In which Chase bank should recover my funds. I write to you to ask for your assistance in resolving my predicament promptly and to my satisfaction. Thank you for reading and please feel free to contact me if additional XXXX I received a call from fraudsters impersonating the XXXX and FBI using the caller ID of the XXXX XXXX XXXX Police Department XXXX XXXX, they informed me that my identity was being used for drug smuggling, and instructed to make a domestic wire transfer in person at a Chase Branch in the amount of {$29000.00} for safeguard. When I initiated the wire transfer the assisting banker did not ask helpful questions to prevent the fraud. XXXX The fraudster called back to inform me that the transfer did not go through, and told me to check with Chase Bank XXXX I went back to the same Chase branch where the wire transfer was made. The banker told me that the money was sent and should reach the beneficiary. XXXX The fraudster relayed that they still havent received the wire transfer, and asked me to cancel the wire. The fraudster said he would be investigating my case and be contacting me in a week. XXXX Chase returned the wire transfer to my account. XXXX The fraudster told me to make an international wire transfer at a different Chase Branch for the amount of {$29000.00} in person. Once again, the banker at the other Chase Branch did not ask helpful questions to prevent the fraud. XXXX The fraudster called to confirm that they received my money, and they will continue to investigate my case. XXXX I called the XXXX XXXX XXXXXXXX Police Department XXXX XXXX to check on my case, and realized it was a scam. I called Chase to file a wire transfer dispute, but the representatives did not seem to know how to handle a serious situation like mine, and continuously transferred me to other departments until the office closed. XXXX I called Chase again to file the wire transfer dispute, I emphasized the urgency of my situation and told them the dispute has been delayed since the day before, and asked the representative not to transfer me to another department. This time the dispute was successfully filed. XXXXXXXX- Chase Retail Wire Servicing sent me a secure message to ask for a statement and to confirm my bank account. I wrote back immediately to provide them with the information. XXXX Chase Retail Wire Servicing informed me that a XXXX message was sent to the recipient bank for recalling the wire transfer. XXXX Chase Retail Wire Servicing relayed to me that the funds have been withdrawn. The department said they are still recalling the money but are not responsible for refunding money lost to fraud. and they will follow up with my question in 3-5 business days. XXXX After waiting for 11 days, Chase Retail Wire Servicing relayed to me the same information on XX/XX/XXXX that the funds have been withdrawn from the fraudsters, and showed no intent on further assisting me to recover the lost money. XXXX After doing research, I believe my case falls under Regulation E Part 1005.2 ( m ) Unauthorized Electronic Fund Transfer : 4. Forced initiation. In which Chase bank should recover my funds. I sent an Email to XXXX XXXX, Chief Communications Officer at Chase regarding this issue, also sent a copy via certified mail, I have not heard back as of XX/XX/XXXX. | ||||||
| 11/19/2019 | Yes |
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| On or about XX/XX/XXXX, I, XXXX XXXX XXXX, a natural person, entered into a contractual agreement with Chase Bank NA ( herein referred to as Chase ) for an unsecured credit card, for all intents and purposes, to be used for personal or household purchases. Due to unforeseen circumstances, my debt with Chase was placed into charge off status as of XX/XX/XXXX. Within the attached documents are the following relevant to my compliant : Exhibit A/ Bill of Sale within my suit, Chase had a purchase agreement dated XX/XX/XXXX between Chase and XXXX XXXX XXXX, XXXX and through its general partner XXXX XXXX XXXX , XXXX with an effective date of XX/XX/XXXX. This Bill of Sale included 18,902 accounts for a total of {>= $1,000,000}. This Bill of Sale from Chase is unsigned. The second Exhibit A/ Bill of Sale reflects the debt sale from XXXX XXXX XXXX , XXXX and through its general partner XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX effective as of the File Creation Date of XX/XX/XXXX. This Bill of Sale included 169 accounts for a total of {$770000.00}. This Bill of Sale from XXXX XXXX XXXX, XXXX and through its general partner XXXX XXXX XXXX , XXXX only has one signature from the seller, but no signature from the purchaser, nor is this document dated. XXXX XXXX XXXX acquired my debt from Chase in XX/XX/XXXX, but did not proceed with a Small Claims case against me until XX/XX/XXXX. XXXX XXXX XXXX is a Domestic Corporation. Per New York State of Corporate Records, XXXX XXXX ( herein referred to as XXXX ) is the Chief Executive Officer and DOS Process recipient for XXXX XXXX XXXX. XXXX operates XXXX XXXXXXXX XXXX XXXX her husband, XXXX XXXX , who has been known to use an alias, XXXX XXXX . XXXX XXXX XXXX is a known Debt Buyer. I learned of this suit after my checking and savings accounts had been garnished. Two attempts to garnish were made. The first on XX/XX/XXXX and again an attempt was made on XX/XX/XXXX. I received a total of 5 levy fees from my bank, 3 in XX/XX/XXXX and 2 recently in XX/XX/XXXX. In an effort to understand this debt as I did not have the documents for the suit in hand, I contacted the Small Claims court for a copy. I received the documents in the mail not long after, and immediately noticed an issue. The Bill of Sale from Chase was unsigned, and I had brought this to XXXX attention in a letter directly to her on XX/XX/XXXX, requesting that she provide circumstances on how my debt was acquired. Another letter was sent on XX/XX/XXXX via fax, email and USPS certified mail, again questioning that the documents were not validation of my debt to XXXX XXXX XXXX An additional objection to the validity of the debt was made in two letters to the Small Claims court dated XX/XX/XXXX and a revision with the same date sent on XX/XX/XXXX. Unfortunately, several spelling errors graced my first letter and a second letter was sent to ensure I had accurately stated my concerns to the Court. On page three within section 3 of both the Original Letter and the Corrected Letter, I specifically called these two Bills of Sale into question. I also pressed XXXX during the Motion to Open hearing in XX/XX/XXXX, while she was under oath, when she attested that these documents were an accurate foundation for the lawsuit. I paid the debt for 6 months under the promise that she would provide me validation of the debt. When that validation never came, I ceased any and all payments to XXXX XXXX XXXX in early XX/XX/XXXX Due to prolonged health issues, I hadnt had the time to address this matter at the time. Unfortunately, due to the Consent Order expiring XX/XX/XXXX and unexpected medical leave, I now have time to do so. I also want to make sure anyone else who may be harmed by this Debt Buyer is aware of the questionable practices deployed when attempting to collect debts that XXXX and her firm may be using. Fast forward to present day. XXXX tends to sit on these cases until just before the Statute of Limitations is set to expire. She then files Wage and Bank Account garnishment documents with the court. Under normal circumstances, had XXXX XXXX been the rightful holder of this debt, she would be well within her rights to do so. But given the Administrative Proceeding and Consent Order between CFPB and Chase Bank ( File No. XXXX ) and questionable practices concerning robosigning of documents, Bulk Records sales to Debt Buyers, such as XXXX, and I do believe that not only my specific case but the additional 3,196 cases XXXX has filed between XX/XX/XXXX-XX/XX/XXXX all for XXXX XXXX XXXX have been filed improperly and all documents provided lack the proper evidentiary basis to prove the debt. XXXX was not acting as an attorney for Chase, rather acting as the attorney for XXXX XXXX XXXX. Neither she nor anyone in her office can attest to how affidavits were handled and processed, nor can she or anyone in her office attest to how Chase processes Charge Off items within their financial books and records, nor can they verify if or if not the Earnings Per Share valuation is affected by Charge Offs. In fact, within my lawsuit documents, XXXX has stated that paralegals work under her supervision, meaning she is liable for whether or not proper documentation is enclosed within legal documentation that serves as the basis for any and all lawsuits she may file. Given the fact that in XX/XX/XXXX, 161 cases were filed for XXXX XXXX XXXX, in XX/XX/XXXX, 1,450 cases were filed, in XX/XX/XXXX, 992 cases were filed, in XX/XX/XXXX, 419 cases were filed, in XX/XX/XXXX, 99 cases were filed, XX/XX/XXXX, 53 cases were filed, in both XX/XX/XXXX and XX/XX/XXXX only 5 cases were filed, in both XX/XX/XXXX and XX/XX/XXXX only 4 cases were filed and in XX/XX/XXXX, only 2 cases were filed, it is safe to say that had this been a valid means and method of attempting to collect debt, the quantity of lawsuits would have remained approximately the same and not ceased after Chase stopped selling debts in XX/XX/XXXX. I would like you to investigate this matter and answer the following questions : How many of the 3,197 cases just within Connecticut were filed with robosigned documents? How many of these cases were witnesses, such as XXXX XXXX or XXXX XXXX, made available at hearings in order to answer questions under oath? How many of these suits were a direct result of the debts in question from XX/XX/XXXX-XX/XX/XXXX per the aforementioned Administrative Proceeding and Consent Order generating a combined {$80.00} million fine/penalty payment? Does XXXX have the legal right to collect more for the debt than she legally paid, as the contract was not initially with her, yet through Chase bank and consumers? What does Chase do with charged off debt within its corporate books and records and would XXXX have intimate knowledge of thus information? If a debt is written off as a loss at year end, and claimed on corporate taxes, it affects Earnings Per Share valuations and renders the debt uncollectible. How can Chase double dip on this debt? Can XXXX legally speak on behalf of debt generated by Chase with data providing during a bulk sale? To acquire cases within CT, I used the State of CT Judicial website and searched by XXXX 's Juris #. When downloading to XXXX, there is a hyperlink embedded leading directly to the case listed under the hyperlink. Thank you for your attention to this matter. If you have any questions, please do not hesitate to contact me. | ||||||
| 05/07/2019 | Yes |
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| Please be advised of the submission of the attached police report for the pending criminal charges against XXXX XXXX XXXX for the XXXX XXXX card theft on the above account along with two other accounts. This account was reported to your office as fraud in XX/XX/2019 as was improperly cited as a civil matter after Mr. XXXX attempted unsuccessfully to negotiate the repayment of these cards on both his behalf and the affected cards behalf as well for full restitution and to avoid criminal prosecution. These attempts were unsuccessful after Ms. XXXX missed every promised repayment date and as such, the case has been referred to the DAs office for criminal charges. As directed by the Chase Executive Office, this claim is being resubmitted to you with the police report attached for processing of this claim as fraudulent. No further payments will be made on this account by Mr. XXXX as this account has been properly documented and reported as fraudulent to your company. Any attempts to collect this debt or require Mr. XXXX to make payments with threat of lawsuits, negative credit impacts, or garnishments or liens will be met with civil action. This complaint and accompanying police report are also being submitted to the North Carolina Attorney Generals Office and the Consumer Financial Protection Bureau due to the failure to thoroughly investigate this claim as fraud and writing the account off as civil citing the victim allowed the perpetrator access to his cards because they lived together. This statement was NEVER made by Mr. XXXX and is a falsehood created by the Chase fraud department to prevent alleviating Mr. XXXX burden placed upon him by the fraudulent charges on this account. Mr. XXXX has never made any statement that Ms. XXXX was allowed to use his cards, nor has he told you as much. This narrative was created by your own department and explained to Mr. XXXX by telephone that our system had no option to notate your account, so we had to put in there you provide access to your cards. This notation must also be removed as it is both incorrect and was NEVER stated by Mr. XXXX. This creates confusion and inaccurate information by anyone new who looks at this account and falsely assumes Mr. XXXX allowed Ms. XXXX access to his cards. This is not true as Mr. XXXX has stated in his complaint, Ms. XXXX took these cards from his wallet and dresser drawers without his knowledge or permission as well as recorded all his account numbers, security codes, expiration dates, and personal information in a notebook and used these without his permission. This notation on his account is false and must be removed immediately. Lastly, no Statute, Federally or at the NC State level, allows for the commission of a crime to be civil for XXXX card theft simply because the victim and the criminal live in the same home. This would negate any purpose of authorized users, credit reports, or even the requirement to sign for authorization on purchases if anyone in the same household could use another persons credit card without their permission. It would also make the zero fraud liability your company advertises completely useless as you would simply claim anyone who used anothers card without their knowledge is civil, as you are trying to do to Mr. XXXX, simply because they resided in the home. Your argument is now that any family member, friend, roommate, or overnight guest could then illegally take the card holders credit card and use it without fear of any financial or legal consequences. Obviously, this is NOT the case and your company is well aware that no such law or statute exists, yet, you are attempting to use this as your justification for denial of Mr. XXXX fraud claim. I strongly recommend you take this fraud claim seriously at stop the ridiculous claim that this fraud is his responsibility to payback when you have all of the necessary evidence to support this claim as fraud. Simply stating to Mr. XXXX Our company is a financial institution and does not want to take this as a financial loss is NOT Mr. XXXX responsibility. Your company promotes a zero-fraud liability and must adhere to those promises once documentation has been provided that Mr. XXXX is NOT responsible for these charges. Your company is now in possession of Mr. XXXX statement of who the perpetrator is, her contact information, a copy of all fraudulent charges, and lastly a police report showing the charges for XXXX XXXX Transaction Card Fraud being filed by Officer XXXX XXXX of the XXXX Police Department on XX/XX/2019 after Mr. XXXX was unsuccessful in recovering these stolen funds himself on behalf of your company through negotiations with Ms. XXXX. Mr. XXXX has shown good faith in his actions and responsibility in his attempts to resolve this matter on his own prior to submitting this case to your company for fraud. It has also been your own companys admission to mistakenly calculating the initial refund to Mr. XXXX account and then informing him this money was his to use on the card at his leisure because it was his refunded charges, even submitting a request to have a paper check cut in the amount of {$2500.00} sent by mail for his remaining refund so that he could cash the remaining refund out all at once without having to use the card to access the refunded money, then abruptly claiming this account is NOT fraud and instead civil and demanding all money to be returned after giving him access to these funds. This miscalculation on the refundable amount is not the fault of Mr. XXXX as your company and your company alone calculated the refund amount and then gave Mr. XXXX the access to these funds. The burden of your error is entirely upon your company and Mr. XXXX owes no further payments to your company. While Mr. XXXX is not demanding the excess money from the miscalculation, it is his stance that failure of an international banking institution to accurately provide the right refunded amount on his account is not his responsibility. It is the responsibility of Chase to ensure their employees are able to calculate simple mathematical equations and then properly apply those calculations to consumer accounts. With millions of transactions completed every day, a typical consumer such as Mr. XXXX should feel confident in the accuracy of the calculations and refunds provided since Chase has the more experienced and educated personnel on staff who do this exclusively on a daily basis. To attempt to require Mr. XXXX be held liable for your companies mistake in applying a refunded amount above what you intended is simply asinine and is a cost of doing business on behalf of your company. This should serve as a learning lesson to make sure that your company checks for accuracy before sending money to customers and then informing them they may spend this refund as it is theirs to do as they please. Mr. XXXX is not responsible for double checking your math, nor did he have the knowledge or the ability to do so as your company is attempting to argue. Should a client make a similar mistake and overpay on their intended minimum payment to Chase, I have no doubt that Chase would simply say It is not our responsibility to ensure the accuracy of how much money you pay us, so why would you expect something different from your customer, or in this case? I expect a full review of this account and all disputed charges submitted as fraudulent to be removed as promised. | ||||||
| 07/09/2019 | Yes |
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| I received an offer from Chase XXXX Visa promising a companion airline pass XXXX bonus points for opening a Chase XXXX Visa card. I applied for the card online in XX/XX/XXXX providing my current email address, phone number and address. I was approved. In XXXX I requested paperless billing statements/correspondence and assumed that my current contact information provided at time of approval would be utilized by Chase for the XXXX XXXX. Having previous Chase credit card products I was able to log into my online account and setup automatic bill payment for my account. I used my card as needed to earn the companion pass and bonus points and assumed the auto payments were being made from my checking account as I viewed line items that had Chase in the description and as I was not receiving paper statements/emails or phone calls from Chase regarding my XXXX account. In reviewing my checking account statement in XXXX and realizing the that the Chase line item was actually an auto payment for one of my husbands credit cards and was not in fact for the XXXX Visa card I reached out to Chase XXXX Visa immediately. On XX/XX/XXXX I reached out to the customer service phone number listed on the back of my card ( Payments are due on the XXXX of the month ) to learn that I was 34 days past due and explained that auto payment had been requested on my end via the online tool which they explained could take 1-2 business cycles but did not appear to have gone into affect. Additionally, I learned that they did not have the correct contact information in the system but instead had reached out to old email addresses and telephone contact information from previous accounts that had auto populated instead of using the correct information I had provided at the time of application. I made a payment by phone immediately to payoff the entire balance, requested auto payment to be setup and confirmed on their end as well as requested that the current contact information be setup in the system to avoid missing communications in the future. They made notation in the account of the challenge, reversed all late charges and ensured me that the late payment would not be reported to the credit bureau due to the banking error. Also confirmed that I had met the required spend to earn the bonus and given the banking error, reversal of late charges, payment in full and notation that I would be eligible to receive the companion pass and bonus points which I HAVE received. This reassured me that there would not be any negative credit reporting as it appeared that they had addressed the issue on their end. All subsequent payments have been made on time and as of XX/XX/XXXX the account has a {$12.00} balance due to charges made after payment in full. In XX/XX/XXXX I received an email from XXXX alert service that I subscribe to that my credit score had decreased from XXXX to XXXX. I opened the XXXX file which stated a late payment was reported by Chase for XXXX. I filed a dispute and in XXXX received an email from XXXX stating the dispute had been resolved. Upon further investigation it noted that the negative reporting was not being removed. I contacted Chase XXXX Visa, explained the negative reporting, the agent reviewed the notes in the account and verified that they had made notation of the banking error due to the internet site not correctly setting up auto payment and the reversal of all late charges. They stated that the " Credit Bureau Unit '' was not currently open and requested I call back the next day and request to speak to the unit as they would be able to to correct the information. I followed the advice and spoke with XXXX, CBU specialist in the XXXX, MO call center. After a long period of discussion XXXX informed me that there was nothing that he could do to update the file and remove the late payment reporting to the bureau. After requesting all notation on my file he advised I send a fax to the " Business Office '' at ( XXXX ) XXXX but that there was not a live person to speak with nor an email that I could send the request to. I asked to speak to his supervisor at which point he transferred me away from his department to a supervisor in the customer service department without telling me that he was actually transferring me out of the credit bureau unit back to XXXX customer service. In speaking with XXXX in customer service I believed that I was still speaking to the Credit Bureau department. I recalled all events, she confirmed the notation in the account. Additionally, I advised her that even after multiple attempts and confirmation that my current contact information had been updated that on XX/XX/XXXX my online account was still displaying old contact information as the default for all Chase accounts. I was able to uncover this while attempting to log into my account I received a screen that stated that I needed to enter a code to proceed and the phone numbers/email that were pre-populated by the website to receive the codes were outdated information. I had to call the phone number listed to receive the access code and that once I was able to gain access into the account I confirmed that that while my current contact information was listed the DEFAULT contact information that was highlighted on the top was actually old out dated information. I explained to her that when I tried to update the info on the site it would not allow me to delete the old info or update the current info to be set as the default for the account. She assisted with updating on her end, had me log out and log back in to confirm that the correct information was now showing on my end as the default contact information. Given all of the challenges with the site that have been noted extensively as well as the notation of the banking challenge due to the malfunction of the auto payment setup I asked if she would be able to assist with removing the negative reporting. At this point SHE ADVISED ME THAT I HAD BEEN TRANSFERRED OUT OF THE CREDIT BUREAU DEPARTMENT and that she would attempt to connect with a credit bureau specialist to see what could be done. I explained that I had already spoken with XXXX in that department and that I was hoping to speak with his supervisor when he had transferred me to her. She stated that the supervisors in that department can take up to 5 days to provide a call back. She then got another credit bureau specialist on the phone named XXXX, explained the situation and XXXX told her that there " was nothing that he could do to assist ''. I have never been late with a payment across all accounts. I have spent numerous hours trying to resolve this matter with JP Morgan Chase/XXXX. As a result of Chase/XXXX XXXX it appears that my diligence to setup auto payment & provide current contact information for my account were not feasible and will now have a significant impact on the cost of credit that I will be seeking for a new home purchase mortgage given that my credit rating went from " Outstanding '' to " Good '' and is the main tool used by lenders for determining interest rates offered. I am reaching out to you in hopes that you will be able to 1 ) Assist with restoring my credit due to banking/IT error on the part of the credit card issuer 2 ) By sharing my story prevent another person from being lured into getting a credit card from Chase and have to deal with the same challenges I have faced. | ||||||
| 06/07/2022 | Yes |
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| On XX/XX/2022, I was the victim of bank fraud through the bank account I have at Chase. I am the sole account owner and no other individuals have access to my account. The following is a chronology of the events surrounding the fraud, remedial efforts taken by me, and the basis for my complaint against XXXX : Local Chase Branch On XX/XX/2022, I logged into my Chase account and noticed a {$1400.00} transfer I did not recognize. The transfer had taken place on XX/XX/2022. The same day, I went to the Chase bank branch and spoke to the teller to dispute this charge. The banker pulled my account and indicated that it appeared that someone had hacked my home computer and used my bank ID to make the fraudulent transfer via my cell phone and the XXXX application. Despite confirming that no one else had access to my cell phone that day, the teller instructed me to go home and run an antivirus scan on my computer, change passwords to my email and social media, change the phone number tied to my bank account, and change my Chase user ID and to try and use an XXXX Computer. I was also instructed to change my cellphone number and email, which I did and in turn reported it to the bank to update my information. The teller further provided me with the phone number and name of the receiver of the transfer : ( XXXX ) XXXX, XXXX XXXX. I confirmed with the teller that I did not recognize this phone number nor its owner. XXXX XXXX, it appears that the owner of the phone number lives in XXXX XXXX XXXX. The teller further advised that I report this hack and fraudulent transfer to social security and request credit reports to see if anything else had been compromised. I was provided with the contact information to dispute the fraudulent transaction directly with the Chase theft department, along with instructions to use my original ID account number as an identifier. The provided phone number for the department is : ( XXXX ) XXXX. Chase theft dept. communications I spoke to Chase on the phone using the contact number provided by the bank teller on XX/XX/2022. In addition, they gave me a claim id # XXXX and I was again, provided with the same instructions the bank teller had given me, i.e., changing passwords, running an antivirus scan, etc. The Chase Theft department representative asked if I knew if anyone else had access to my phone, or if I knew XXXX XXXX ( the suspected hacker ), to which I again confirmed that I did not. I was questioned several minutes to which I replied I had no knowledge of the transaction. I was told that the fraudulent transfer could have only been effected via my personal cellphone as the fraudulent transfer was done and confirmed with face recognition. I explained that I had never used face recognition on any transactions through Chase, let alone my cell phone. I asked if Chase could provide me with the image used for face recognition to confirm I had not personally make the transfer and was informed that this information is not stored by Chase. The theft department representative instructed that I contact my cell phone service provider and request a report confirming that I had never used face recognition on my phone. XXXX XXXX XXXX In-line with the Chase theft department 's instructions, I contacted my cell phone provider, XXXX XXXX XXXX through the company customer service number and was informed that the requested report could not be provided as it doesnt exist, and that the bank representative should have known as much. With the above information, I again called the Chase theft department. I was ultimately informed that they would investigate the issue. On XX/XX/XXXX, without further notice, I noticed that my account had been credited the amount of {$1400.00}. I believed my claim had been resolved. On XX/XX/XXXX, I left the country on a previously planned vacation and did not return until XX/XX/XXXX. During my time out of the country, I had limited to nonexistent internet or cell phone access. On XX/XX/XXXX, the day after my return to the U.S., I accessed my Chase bank account and found it blocked with instructions to contact Chase to resolve the issue. I contacted Chase to unlock my account and was informed Chase would not unblock my account until I paid an outstanding balance. I initially believed the representative was referencing another fraudulent transfer. The Chase representative explained that the XX/XX/XXXX credit to my account in the amount of {$1400.00} had been reversed. After inquiring as to why, I was ultimately informed that Chase had attempted to call me during the time I was out of the country and for the sole reason of being unable to contact me, Chase had made the decision to reverse their original position and deny my claim. On XX/XX/XXXX, I went back to Chase bank to appeal the decision in person. I spoke with XXXX XXXX who went through the same basic questioning I had originally received on XX/XX/XXXX and she asked why my bank account wasn't closed on XX/XX/XXXX. I explained that I didn't know and I was told the claim took two weeks to process. None of the other bankers and representatives I had spoken up to this point had ever suggested closing my account. XXXX XXXX again informed me that my account should have been closed on XX/XX/XXXX and a new one should have been opened. XXXX XXXX called the Claims department to reopen the same claim. She then instructed that we should do a police report and submit the report to Chase in order to reopen the claim and continue the dispute. She gave me Chase Customer Claims phone ( XXXX ) XXXX and Claim Number # XXXX. XXXX XXXX restored online access to my account and labeled it as compromised. Following this new advice, I went to the XXXX XXXX Sheriffs Department and given information to file a report online at identiytheft.gov. I was told the police department no longer takes such fraud police report. XXXX XXXX asked me to bring the police report so she could fax it to the Claims Department so they could reopen the claim. I explained to XXXX XXXX I had to follow the instructions of identitytheft.gov in order to produce the report. I was instructed by identitytheft.gov to request my three credit bureau reports to check for any fraudulent activity. Then I was to fill out an online application with identitytheft.gov and reportfraud.ftc.gov and consumerfinance.gov. I received a letter from Chase dated XX/XX/2022. Stating, the account is overdrawn by {$1300.00} and to make a deposit to bring to a XXXX balance. I called the phone in the letter and spoke with XXXX and XXXX # XXXX. I asked if the claim was re-opened and was told the claim was never reopened. Conclusion I diligently reported the fraudulent transfer to Chase the day after the transfer occurred. I timely followed every instruction given to me and relied on what I understood to be the resolution of the claim to my detriment. Ive gone above and beyond to resolve this issue with Chase and have followed every instruction, only to be stonewalled at the end. Due to the foregoing, I submit this complaint against Chase bank and request that my claim be re-opened and that the balance of {$1400.00} be re-credited to my Chase account. I have enclosed supporting documentation with this letter. If further information is needed, do not hesitate to contact me. XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 09/06/2023 | Yes |
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| Towards the end of XXXX, XXXX I was contacted on XXXX XXXX by a scammer, pretending to be a single woman on XXXX. " She '' went under the profile name, " XXXX XXXX '' from XXXX, Florida and used the profile picture of a XXXX model by the name of XXXX XXXX XXXX. Of course, had I known about doing a reverse XXXX XXXX search, I would have discovered the fraud and avoided the scam. Unfortunately, I was naive and gullible. So anyway, " she '' wrote to me saying that she was single, just like me, and that I seemed like a good guy, who she'd like to build a relationship with. I was enamored by " her '' picture and took the bait. So, in the beginning we made small talk and got to know each other. She made up a story of how she was married to an abusive, monstrous husband in her hometown of " XXXX, XXXX '', and that all she wanted was to find a nice guy like me. Eventually she told me that she moved to XXXX, Florida and got reunited with her father, who had been living there for a while before. Then after a week and a half of getting to know each other, she began telling me that " her father '' taught her how to invest in Crypto currency. She told me that she got so good at it, that she was making over {$3000.00} daily by bidding on Crypto currency in an NFT platform. She showed me professional looking data and fake numbers to convince me that she was making easy money. Then she wrote to me saying that I should also invest in the same platform. She told me that my daily gains would make it a " Win-Win Situation '' for me. When I expressed suspicion of her being a scammer, she used psychological tactics to satisfy me. She said that she was aware of these despicable human beings, who present themselves as the opposite gender and scam people. She wrote to me " We are all God 's children! I wouldn't have the heart to do this to you! I would get satisfaction from teaching another human being how to thrive with Crypto investments! '' So, I fell for it and let her teach me. So on XX/XX/2023, we switched our correspondence from XXXX XXXX to XXXX, and we got down to business. She patiently took the time to walk me through the process of making a XXXX account, a XXXX XXXX account, and an account on her fraudulent website platform. Her websites name was XXXX. She walked me through the process of creating an account on her phony platform as a bookmark link in the XXXX XXXX app. She also patiently walked me through the process of transferring money from my Chase Bank checking account to XXXX and then to her fraudulent XXXX platform. I kept sending her screenshots of the page that I was on and she made circles or arrows where I should click. She had me copy and paste her block chain address to XXXX to send the money to her phony XXXX website. Her block chain address was as follows : XXXX. So I kept copying it and pasting it. Another tactic she used in order to bamboozle me was the way I set up my wallet account. They gave me 12 key words for me to write down and keep in a safe place. She told me that with this I could rest assured that no one would have access to my funds except for me. This made me feel that the website was safe and secure. Little did I know that these 12 key words were all fake. Then she began getting very pushy with me. She said " You're only making {$100.00} daily, wouldn't you rather make {$350.00}? Don't you have more money to invest? '' I told her that this is all I have. So she put a lot of pressure on me to borrow money. I told her that all I could do was take out a {$22000.00} loan from my 401K retirement account. She pushed me to do it and I did. I, therefore, transfered a total of {$34000.00} from Chase to XXXX and then to XXXX. When I ordered these alarmingly large outgoing wire transfers from Chase, Chase told me that I would need to speak with a representative on the telephone and give the authorization. I got frightened and told the scammer that I didn't want to get involved. She went back and gave the argument that with the 12 key words, no one could steal my money. So I naively gave Chase Bank my authorization for the huge outgoing wire transfers. So every day I did my platform bidding with the money that I supposedly had in the account, and everyday the fraudulent platform showed me that my gains were over {$300.00}. Then on XX/XX/XXXX, everything came to a head. She asked me if I would be interested in taking out a {$50000.00} pledge loan on the platform. She explained that I would make about {$1500.00} profit and pay back the {$50000.00} anytime. It sounded good to me. So she guided me into applying for the loan. I gave a couple of clicks and then I was TRAPPED. I had taken out a {$50000.00} IRREVERSIBLE pledge loan. She told me that I had seven days to repay the loan with money from OUTSIDE the platform account! I told her that I had no money! When I panicked, she sent me a link to their " customer service representative ''. The representative told me that if I didn't come up with {$50000.00} plus interest within seven days, then my account would be locked forever and I wouldn't be able to get my {$34000.00} out. The next day, " She '' began sending me love messages, trying to get me to come up with more money, in order to supposedly unlock my account. She offered to " pay '' {$30000.00} and I would just need to come up with {$20000.00}. I explained to her that I wouldn't be able to come up with a penny. So my family advised me to " ghost '' her and take my {$34000.00} loss. Later I was advised that the XXXX platform was fraudulent to begin with, and that " she '' stole my money right when I put it in. The numbers that the platform showed me regarding my daily gains, were all fake. I was also advised that the XXXX website was created very recently, had a XXXX % confidence analysis, and was reported as spam. So this is where I stand. My Chase Bank wire transfers give me a net loss of {$34000.00}. I used the consulting agency, XXXX XXXX to guide me and help me recover my stolen funds. They wrote an initial " protocol letter '' on my behalf, describing how Chase could have easily protected me from fraud, but chose not to. The letter requested a reimbursement of my stolen funds into my account. So Chase wrote me a letter DENYING the request. Then XXXX XXXX wrote a second letter to Chase on my behalf, called a " rebuttal letter ''. XXXX, one of the Chase case workers at the executive office in XXXX, Ohio, told me that she rejected the rebuttal letter as well. I asked her if she could put her decision in writing, but she apparently refuses to do so. So all I have to submit to you is Chase 's letter rejecting the initial " protocol letter '', but no rejection letter for the second " rebuttal letter ''. XXXX also rejected my request for a reimbursement. So I'm including the following documents for you to see :. The ombudsman letter that XXXX XXXX has written to the Bureau of Consumer Financial Protection on my behalf. The initial protocol letter that XXXX XXXX has written to Chase on my behalf. The rejection letter from Chase of the protocol letter .The second rebuttal letter that XXXX XXXX has written to Chase on my behalf. The Chase Bank statements for XXXXXXXX XXXX and XXXXXXXX XXXX with the relevant transactions highlighted in yellow. Please see what you can do to help me recover my stolen funds. I would really appreciate it. XXXX XXXX | ||||||
| 07/20/2017 | Yes |
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| When I realized I was a victim of Identity theft by someone getting Credit Cards in my name I put a Fraud Alert on my file through the Credit Bureaus. In late XX/XX/XXXXI started receiving Chase Card Billing statements in the mail claiming I owe an outstanding Bill. After paying Multiple Companies to repair my credit & there was no success I started to dispute this issue on my own. As you see attachment Exhibit G which is a Copy of my First Dispute Letter sent to themXX/XX/XXXX. I clearly stated in this Dispute Letter that this Debt is NOT owed by me and it is a Violation of the Fair Debt Collection Practices Act FDCPA -807 ( 15 USC 1962e ). I also stated in this Dispute letter that I am Requesting " Validation '' that is competence evidence " Bearing my Signature '' showing I have some contractual obligation to pay this debt. If they, Chase Card can not Validate the Debt, They must request that all Credit Reporting Agencies delete the Entry. Chase Card responded with, ( See Exhibit C XXXX ) a Copy of a Statement which is NOT proof. You will see thru this complaint that I consistently requested that Chase send validated proof of any document that has my signature that this account was owned by me. Please note that my first dispute letter back in XXXX of XXXX states that I will be filing a small claims suit against them for Defamation, Negligent Enablement of Identity Fraud & Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Now as time passed by I noticed when I checked my Credit Report that Chase Card did not abide by the Laws and did not request the Bureaus to delete the file because it was not owned by me. They Continued to report the file as accurate as stated in their letters and this was repeatedly done without having any valid proof that the account was mine. I sent out another Dispute to Chase Card. See Exhibits E from XXXX As you can see in this Dispute I mentioned that the Item is listed as entirely inaccurate and incomplete and represents a very serious error in their reporting and they will be liable for their " Willful Non-Compliance '', as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C. 1681s-2 ). Note : I mention a 2nd time about filing a Small Claims suit against them. I also requested in these disputes to please provide the name, address and telephone number of each person who personally verified this alleged account so that I can inquire about " HOW '' they " VERIFIED '' without providing any " PROOF '', bearing my " SIGNATURE ''. Chase Card Responded to this Dispute again ( See Exhibit k ) sending a billing Statement. Chase responded with sending 34 pages of Billing statements which again is absolutely not proof at all. As per FTC opinion letter from Attorney XXXX XXXX XXXX : A printout of a bill or itemized document does " NOT '' constitute verification. I made this aware to Chase in my dispute so it is very clear that they are ignoring my request and they are willfully being Non-Compliant. My next decision was to File a Small Claims suit against Chase Card for 1.Defamation 2.Negligent Enablement of Identity Fraud 3.Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act I proceeded to my local Court House and filed onXX/XX/XXXX , see Exhibit L. But before I can submit the Claim I had to make some corrections. First correction was I had to find out if the Registered Agent information was correct. Also the Court informed me that I could not submit the claim with just the company name " Chase Card ''. I had to find out who was The " President '' of Chase Card, The Correct " Registered Agent '' or whomever was in charge that the Small Claim suit can be served to. I must have the Individual 's name. See Exhibit A with the Small Claims Courthouse Instructions. Now with these rules I Called Chase Card and got the run around by customer service. I finally spoke with someone in the Fraud Department with employee ID # XXXX. This employee had to keep putting me on hold to speak with someone in the back ground about my request. That request was I need the name of the " President '', The Registered Agent or whomever was in charge that I can put down as the receiver to get served by the Small Claims suit. I was told by employee # XXXX that they can not give that information over the phone and that I would have to fax that request to " The Correspondence Department '' and I will receive a response with that information in 7-10 business days. See Exhibits H, I & J When I did not receive the info within 10 days I called back and was informed that because of XXXX XXXX holiday I should receive a response by the XXXX. When the XXXX came I did not receive a response from the Correspondence Department with information I requested for the Small Claims suit. When I called Customer service I was informed that there is no number for the Correspondence Department and the only thing I can do is Fax another request to them requesting the information needed. The only response I received on the XXXX was a response from XXXX XXXX from the Fraud Department. ( See Attachment labeled " Last Response From Chase '' ) This letter was absolutely irrelevant to what my request was. 1. It was NOT from the Correspondence Department 2. It did not have any of the Names that was requested for the Small Claims 3. Also It states that they Carefully reviewed the account and " VERIFIED '' the information we provided to the credit reporting agencies is correct. At bottom of the letter they state that Chase is not responsible for the actions or omissions of the credit reporting agencies. Therefore, Chase can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit. This is ridiculous. See number 3. Did n't they just admit that they " Provided the information to the Credit Bureaus ''. They clearly stated ; We carefully reviewed your account and verified the information " WE PROVIDED '' to the credit reporting agencies as correct. They are clearly responsible for the actions or omissions of the credit - reporting agencies because Chase is the Company " REPORTING '' the information to the agencies as they just stated. After an entire of year of Disputes they have willfully not followed and has Violated all of the laws governed upon them which is : Federal Laws Under the Fair Credit Reporting Act 623 ( a ) ( 3 ) { 15 U.S.C 1681s-2 } Fair Debt Collection Practices Act Section 807 ( 8 ) Chase is willfully withholding the Names I requested for the Small Claims suit that I filed and Also is continuing to willfully report inaccurate information to the credit bureaus which is destroying my credit history and it is preventing me to live a normal life and take care of my family. I have been turned down for Mortgages, Personal Cash Loans, Personal Lines of Credit, Collateral Loans, Business Lines of Credit & Business Cash Loans. I am Requesting that CHASE either Follow the Federal Laws governed upon them & Delete this account immediately and inform all 3 Credit Bureaus to delete this account off my file along with the inquiry OR Submit the Requested " Individual 's name that I need to file the Small Claim suit against that represents Chase legal matters in small claims court. | ||||||
| 05/30/2022 | Yes |
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| Can you let me know why after i paid my $ XXXX down payment and signed my loan papers, I was told by Chase bank that if i didnt throw down another $ XXXX, you would not fund my loan? I have incurred health issues since this traumatic event and have been unable to discuss this particular piece without further ill effects until now. XX/XX/21 - Im told via email that i need to provide an signed gift letter that has a wet signature by me and my dad I had already submitted an electronically signed one. See attached for a copy of the gift letter I was asked to sign. XX/XX/21 - i respond via email that my dad is not able to wet sign the letter. I receive a phone call the same day advising me that my dad can sign the letter and take a picture of the document or I can sign the letter for him. XX/XX/21 - My loan is supposed to close on XX/XX/21. I have not been provided ANY Information on how Im supposed to pay for it. I call my loan officer XXXX XXXX. I inquired that Im wondering how do I actually pay for this house? While I had set the rate with him, I didnt even know whether I was paying XXXX oXXXX XXXX % down,, he had apparently already decided that on my behalf, or any of the conditions that go along with paying XXXX oXXXX XXXX % down. I ask him how this is to be paid for, and he says by wire. Then Im left scrambling to see how Im going to cobble the $ XXXX down payment of cash together. XX/XX/21 - My loan is set to close on this date, but you, Chase Bank, just figured out that my home suddenly needs condo approval putting my loan in severe jeopardy. I speak with the loan assistant to see whether you will be able to actually make this loan close. I also ask whether I can make the down payment via wire transfer from 2 accounts. She says she doesnt know. The other loan person, XXXX XXXX, will let me know what the procedure is for signing and completing the loans. It was a miracle that I was even talking to her because she never responded to multiple emails and phone calls I left her and really provided NO HELP TO ME DURING THE ENTIRE LOAN PROCESS. XX/XX/21 - I speak to XXXX XXXX regarding the signing of the loan documents and how I will pay. I ask her, how I need to provide the down payment. She says via wire or check but the paper I receive from the title company will have instructions on how to pay. XX/XX/21 - The instructions from the title company say that i can pay by cashiers check, which i do. I sign the loan documents at the title company. After the nightmarish XXXX I had been through wondering if this loan would close on time because you didnt realize the home needed condo approval, I think that the house is finally mine. XX/XX/21 - I receive phone call from the loan assistant telling me that my dad did not wire $ XXXX to the title company and they would not fund the loan because of that. EXCUSE ME I SAID? I ALREADY PROVIDED THE DOWN PAYMENT VIA CASHIERS CHECK FOR $ XXXX. She said that I provided a signed gift letter that stated bound me to providing $ XXXX via wire transfer from my dads bank account. EXCUSE ME? HOW WAS I SUPPOSED TO KNOW THIS? EARTH TO CHASE BANK - IS ESP YOUR PREFERRED METHOD OF COMMUNICATION? I had just spoke to 3 different representatives from your bank specifically asked, how i need to pay for this loan. 3 golden opportunities above for someone to tell me that if my dad didnt wire $ XXXX of the down payment, youre not going to fund this loan. I ask the loan assistant what the options are. She said that they could redo the loan documents. WHAT? That wont work because my loan needs to close by the next day, due to your royal mistake of already being late with loan because your error in not realizing the house was a condo, even though the purchase agreement states its a condo. If the loan docs were redone but not done in time, the builder threatened that i could lose the house. The other option she said would be for my dad to wire $ XXXX to the title company. The title company would then refund the $ XXXX back to me. This was after I already provided the stipulated $ XXXX down payment. DOES THIS MAKE SENSE TO YOU BECAUSE IT DOES NOT MAKE SENSE TO ME? I did already sense that I wasnt working with anyone who knew what they were doing with this loan. I reached out to Chase Executive Customer Service Center and was told I would receive a call back. CRICKETS, NO CALL BACK. The call center also provided the name of XXXX XXXX manager- XXXX. I call him. NO CALL BACK. I got the name of XXXX manager, XXXX XXXX. I had told him that i didnt want to work with XXXX anymore after the condo approval issue and needed someone who could look after this loan that knew what they were doing. He said i could call him. I called him. NO CALL BACK because hes on PTO. At this point, I dont know what my options are other than to beg my dad to provide $ XXXX for the odd reason that you, Chase Bank XXXX messed up again. $ XXXX may not be a lot of money for you, but its a whole lot of money for me to be flying around the state of california like a paper plane. I burst into tears and begged my dad to do the wire. He coiuldnt do it over the phone. He had to go to the branch even though he was just about to eat his lunch. I urged him to go asap so this loan could actually close. He does not live nearby, so its not like i could take him and handle all this in person. He wires $ XXXX to the title company. Then a few hours later, the title company tells me that my $ XXXX refund check is ready.. DOES THIS MAKE SENSE TO YOU BECAUSE IT DOES NOT MAKE SENSE TO ME. I then have to go to the title company to pick up the check, deposit it in my account, wait for it to clear, and then deposit it back into my dads bank account. A process which took more than 2 weeks, due to my bank being out of state and large sums of money crossing state lines do not process immediately. I WANT ALL THE FEES AND MILEAGE I INCURRED IN ADDITION TO MY DADS LUNCH REIMBURSED BACK TO ME FOR THIS NONSENSICAL EXERCISE YOU PUT ME THROUGH. My dad is old. He doesnt have a whole lot of lunches left, and you completely ruined one of them. I looked at the gift letter. NO WHERE DOES THE GIFT LETTER SAY THAT THE MONEY MUST BE WIRED TO THE TITLE COMPANY ON THE DAY OF CLOSE OTHERWISE YOU WILL DENY THE LOAN. IT JUST VAGUELY SAYS THAT THE MONEY WILL BE PROVIDED AT SOME NEBULOUS POINT IN TIME. I WOULD LIKE A FULL EXPLANATION OF WHY NO ONE TOLD ME OF THIS WIRE TRANSFER REQUIREMENT AND THE MONEY I INCURRED REIMBURSED BACK TO ME FOR THIS HARDSHIP. PLEASE REIMBURSE ME THE FOLLOWING FUNDS : {$35.00} IN WIRE TRANSFER FEES MY DAD HAD TO PAY TO WIRE $ XXXX FROM HIS ACCOUNT TO THE TITLE COMPANY ONLY TO HAVE IT REFUNDED BACK TO ME. 10 MILES HE DROVE REIMBURSED AT THE IRS RATE OF {$0.00} PER MILE4 FOR {$5.00} TOTAL. {$55.00} I INCURRED IN WIRE TRANSFER FEES TRYING TO GET $ XXXX DOWN PAYMENT TOGETHER BY THE CLOSE DATE. I WOULD NOT HAVE INCURRED THESE FEES HAD $ XXXX HAD TO COME FROM MY DAD. I WAS NOT ALSO GIVEN APPROPRIATE TIME TO GET THIS CASH TOGETHER AND HAD TO USE WIRE FEES. OTHERWISE I COULD HAVE DONE REGULAR BANK TRANSFERS THAT WOULD HAVE BEEN FREE. 25 MILES I DROVE TO GO TO THE TITLE COMPANY TO PICK UP THE REFUND CHECK REIMBURSED AT THE IRS RATE OF {$0.00} PER MILE FOR {$13.00} {$25.00} GIFT CARD TO XXXX BECAUSE YOU OWE MY DAD LUNCH TOTAL COMPENSATION = {$130.00} | ||||||
| 04/18/2018 | Yes |
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| I called Chase to obtain a XXXX XXXX XXXX Card. During the conversation, I expressly asked for the version of the card that has no up front annual fee, for which they charge {$450.00}. I already have an XXXX XXXX XXXX card in which I paid {$450.00} and did not want to shell out another {$450.00}. After ten days or so, I received the card and inquired my online statement. Chased posted a charge of {$450.00} for the wrong version of the card I did not want. They refused to pull the recording and said I needed a subpoena to get the recording released. I have argued, but they just shut me down, refuse to respond anymore and will not remove the charge. I'm truly frustrated, as this is not my doing. Below are messages : Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, It will be my pleasure to address your concern regarding your XXXX XXXX XXXX Card. In reviewing your account, I confirmed that the {$0.00} introductory annual fee offer is not included in your card application. Furthermore, the {$0.00} introductory annual fee offer doesn't include any new account bonus offers. Your XXXX XXXX XXXX Card has an annual fee of {$450.00} and it's non-refundable as long as your credit card account is open. An annual fee is a yearly maintenance fee that covers the costs of delivering services. The original offer you applied for will remain on your account. We reviewed your credit card account and confirmed that the original offer for your account is earn XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open Once you meet them, however, you're eligible for the bonus as long as : - You haven't received a new cardmember bonus on this account in the past 24 months. - Your account is open and not in default when we post the bonus. Your eligible purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. XXXX, I appreciate the opportunity to assist you. Thank you for choosing Chase. If you have any further questions, please reply using the Secure Message Center or contact us at the number below. Representatives are available to assist anytime. Thank you, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX I signed up for {$0.00} dollar first year annual fee, but am being charged an annual fee. Something is incorrect. I have attached a screen shot of the offer applied for. Please see attached. I would like this fee removed as it is not what I signed up for. Thanks for your assistance. Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase in regards to your XXXX XXXX Credit Card. I understand your interest in the XXXX XXXX Card with the annual fee waived for the first year. I see your have a special offer which is earn XXXX bonus miles after you spend {$3000.00} on purchases in the first three months your account is open. Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. I understand your requesting a phone call to be reviewed and to send you a copy of the call. The application was processed online, by reviewing a call we would not be able to change the offer that was submitted online. For phone calls to be released, we can release if we are provided with a subpoena. I understand this may not be the out come you anticipated, I apologize for any inconvenience this may have caused. If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. XXXX Email Servicing Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX Regarding your response for the last message and response regarding the {$450.00} annual fee. Your response is unacceptable. After reviewing my notes, I had a question about the XXXX card vs. the chase XXXX card and recall calling your phone operator to answer questions, following he asked if he could process the order for me in which I confirmed. If you pull your phone records for this order, it should be clear that I requested the XXXX XXXX Card with {$0.00} first year annual fee. I do not appreciate this difficulty for an error on your end. Possibly you should look at the order entered by the representative and determine if he receives greater incentives for the point version of the card vs. the no annual fee. I clearly stated I wanted the no annual fee club card. You should consider the Fee charged in Dispute and I will not pay this fee. Please produce and share with me the audit trail on this order. Please do so as soon as possible. If you are unwilling to rectify this situation, I will file a formal dispute and elevate the issue. Please due your due diligence and show me the actual data input its source and a copy of the telephone conversation. Thanks for your quick response. Date : XX/XX/XXXX XXXX To : Chase Card Services Subject : Fees/Interest Charges Message : DOMAININDICATOR : COL ATTACHMENTSIZEXXXX XXXX PCUSTSEG : CCI PRODTYPE XXXX CCS SMPODID XXXX XXXX CIPDOMAIN : XXXX PRODUCT XXXX SUB PRODUCT XXXX ACCOUNT NUMBER : XXXX PEC : Y FEE-FC TYPE : Annual Fee FEE AMOUNT : {$450.00} CHARGED DATE:XX/XX/XXXX This fee is in dispute. I ordered the card with no annual fee and your XXXX XXXX team is refusing to further review this matter. I ordered by phone clearly stating that I wanted a no annual fee XXXX card as I would be switching over from XXXX XXXX XXXX Card . Your team got it wrong and refuses to fix the issue. I stated I would file a complaint with the OCC, but they ignored this. I will not pay this fee, it is a mistake on your side not mine. Please note the dispute and escalate as needed. Date : XX/XX/XXXX XXXX To : Chase Card Services Subject : Re : We received your message Message : The response states that Chase will respond within 24 hours. It has been 6 days. I do not wish to file a complaint, so please work with me on this matter. -- -- -ORIGINAL MESSAGE -- -- - We received your message sent on XX/XX/XXXX. Here 's what will happen next : - We will respond to your message within 24 hours. - To protect your account, you'll need to sign in to chase.com or the Chase Mobile ( R ) app ( 1 ) to view our message. We will send you an email letting you know the message is available. We are here to help. If you have questions, call us anytime at the number on the back of your card. Thank you for choosing Chase. ( 1 ) Chase Mobile is available for select mobile devices. Download the Chase Mobile app or visit chase.com to enroll. There's no charge from Chase, but message and data rates may apply. Chase no longer answers my inquiries | ||||||
| 09/06/2017 | Yes |
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Web | Older American |
| My XXXX XXXX mortgage was serviced by Chase from XXXX XXXX through XXXX XXXX I was transferred to XXXX effective XXXX XXXX, XXXX. In XXXX, I applied for and was given a XXXX modification, The goal ( never reached ) was to reduce my monthly payments to 31 % of my income. ( to $ XXXX/month ). At the end of XXXX my XXXX payments were $ XXXX/ month ( 40 % of my income ) During the month of XXXX XXXX, I was XXXX month past due on my mortgage payment of {$870.00}. On XXXX XXXX, I began the process of creating an assistance program with the help of a Chase assigned relationship manager ( XXXX XXXX XXXX ). A letter dated XXXX XXXX offered me a Forbearance Plan Agreement which will allow you to make reduced monthly payments for a specific period of time XXXX {$840.00} from XXXX XXXX, XXXX to XXXX XXXX, XXXX ). XXXX XXXX explained that I should make the first payment 5 days before the due date of XXXX XXXX, XXXX. XXXX XXXX explained that She and I would work on a permanent modification at the end of the forbearance period, as she recognized that my net monthly income of {$2000.00} would not allow for me to pay a lump sum for the missed payment of XXXX and the deferred payments of XXXX XXXX and XXXX XXXX. Also, as of XXXX XXXX XXXX, my regular monthly payment of $ XXXX/month was increased ( due to increased escrow and insurance ) to $ XXXX/month. This new payment is equal to 47 % of my gross monthly income and has the effect of essentially negating any help from my having a XXXX modification. I agreed to the forbearance plan with my understanding being that the payment of {$840.00} would be applied to the payment due of {$970.00} for each month starting with XXXX XXXX, XXXX. My understanding was that the shortfall of {$130.00} /month would accrue to a total of {$790.00}. My understanding with XXXX XXXX was that a total of about {$3600.00} ( {$790.00} shotfall plus payment for my missed XXXX XXXX payment and the delayed XXXX XXXX and XXXX XXXX payments ) would be addressed in a permanent modification plan developed at the end of the forbearance period. The reality of the effect of this forbearance plan was that I was totally misinformed of the way in which the payments would be applied. They were not a way to reduce monthly payments, but rather a means for Chase to satisfy past due payments. For example, rather than applying the XXXX XXXX, XXXX payment of {$840.00} to the payment due for XXXX, Chase put the payment into a suspension account. On my statement for XXXX, the mortgage payment history does not show any payment for XXXX XXXX. The mortgage statement that I received in the mail from Chase indicated a past due payment of {$970.00} for the month of XXXX and a delinquency status of 88 days as of XXXX XXXX, XXXX. When I made the XXXX payment, it increased the amount in the XXXX XXXX to more than {$870.00} and therefore Chase applied {$870.00} to the missed payment for XXXX XXXX. I was not aware of this process until I was finally given an explanation by XXXX XXXX XXXX from Chase Executive Offices, in response to a qualified written request of XXXX XXXX, XXXX. In effect, for me to have maintained a status of current on my mortgage during the forbearance period, I would have had to pay both the forbearance and the regular payment ( {$840.00} + {$970.00} = $ XXXX/month or over 88 % of my monthly income!!! ) .. In retrospect, it is clear to me that Chase was at best, disingenuous and/or incompetent, and at worst fraudulent in offering a forbearance without informing me, either verbally or in writing, that the payments would be based on utilization of a suspension account rather than maintaining my payment status as on time for the months of the forbearance. I would have never agreed to this program had I known it would result in putting me further and further in default each month!!! This was not a process to address my payment difficulty. A simple principal deferral would have reduced my monthly payments by {$160.00}, from {$870.00} to {$700.00} before XXXX XXXX ( 32 % of income ) or from {$970.00} to {$800.00} ( 37 % of income ) with the additional {$99.00} increase in escrow and insurance applied to monthly mortgage payments starting in XXXX XXXX. This forbearance plan effectively puts me in immediate danger of foreclosure. Chase was fully aware of my financial situation, as documented for the Hamp modification in XXXX and the income information submitted for the modification/forbearance in XXXX of XXXX. On XXXX XXXX, XXXX, after receiving my XXXX XXXX Mortgage Loan Statement, dated XXXX/XXXX/XXXX, indicating that I had not made any payments for XXXX through XXXX XXXX, I contacted my relationship manager ( XXXX XXXX XXXX ) about the confusing information on the statement. She could not explain the discrepancies but rather stated that she would guide me through what she referred to as an application to develop a permanent loan modification. I faxed all the required paperwork for this application on XXXX XXXX. In addition to putting me into a much worst position than I was before I accepted this misrepresented help from chase.com/Mortgage Assistance, Chase informed me by letter on XXXX XXXX, XXXX that the servicing of my mortgage loan would transfer from JPMorgan Chase Bank to XXXX XXXX Servicing effective XXXX/XXXX/XXXX. I received another letter on the same day from Chase stating that I was being assigned a new dedicated relationship manager, a XXXX XXXX XXXX. On XXXX XXXX XXXX, I spoke with XXXX XXXX to determine the status of my modification ; she was not able to provide any information and rudely stated that it did not matter since my mortgage servicing was being transferred to XXXX. I did receive a call on XXXX XXXX, XXXX from XXXX XXXX XXXX, a Chase employee, who is a member of the Chase customer relationships group. He informed me that my modification application was being evaluated by the underwriters and that I should call back on XXXX XXXX to find out the status of the request. On XXXX XXXX I learned that Chase would not complete the evaluation and would transfer the documentation to XXXX. Chase implemented a transfer of my mortgage servicing in the middle of a modification, to a company with a terrible reputation. By law, the new servicer is supposed to continue the modification process. In general, there is no guarantee the new servicer will honor the modification agreement status with the previous servicer. In the case of the servicer Chase transferred my account to, my research re XXXX indicates I will have serious problems. Under the rules, the new servicer must also have policies and procedures in place to ensure that it honors existing loan modification agreements. This company ( XXXX ) has a reputation of losing documents and being deceitful and dishonest. I find it completely unethical for Chase to, on the one hand enroll me in a modification process that would potentially reduce my XXXX about being able to stay in my home of 45 years for the remaining years of my life. ( I am XXXX yrs old ) and simultaneously, on the other, institute the sale of the servicing of my mortgage with incorrect information about the actual status of my payment history. Given the information in the above narrative, am I correct in my conclusion that Chase has violated both legal and ethical norms? What options do I have? | ||||||
| 10/30/2023 | Yes |
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| On XX/XX/XXXX XXXX I called the previous servicer of my mortgage about PMI cancellation based on current value of the property with significant improvements. On XX/XX/XXXX XXXX XXXX the previous servicer sent me an application for cancellation, which I received a few days later. On XX/XX/ -- the two-year anniversary of my mortgage loan -- servicing of the loan was transferred to the current servicer, Chase ( although the owner of the mortgage, XXXX XXXX XXXX did not change ). On XX/XX/, the previous servicer received my completed application for PMI cancellation. On or about XX/XX/XXXX XXXX XXXX I received a letter from the previous servicer advising that I would need to restart this process from the beginning with my new servicer, Chase. I subsequently called Chase about PMI cancellation, and received a very similar application for cancellation a few days later. I completed this application and returned it to Chase. As part of this process, a broker price opinion was ordered and scheduled for XX/XX/XXXX XXXX I received the XXXX and Chase 's determination in a letter dated XX/XX/. The results of the XXXX from the realtor ( whose selection was left to Chase 's discretion ) included several startling details. First, while it alluded to my improvements to the property since purchase, it misquoted the estimate I gave for the total cost of those improvements ( it listed $ XXXX instead of $ XXXX ). Second, it offered a value of the property ( $ XXXX ) that is, to this day, several XXXX dollars lower than Chase 's own estimation of the property 's value AND thousands less than the LOWEST END of the estimated value ranges provided by every reputable real estate website ( which not only track many more comparable sales, but which have also lacked any information on improvements to the property when generating these ranges ). Third, and most shockingly, in real dollars, the XXXX implied that the value of my home has DEPRECIATED by more than {$27000.00} in XXXX years ( in spite of the improvements and the neighborhood 's substantial growth since the property was purchased ). Chase has never provided any information re : appealing the XXXX 's findings. Ultimately, I believed these ostensible flaws in the XXXX did not matter, as the estimated value still placed my XXXX ratio at 79.2 % ( <80 % ). However, Chase denied PMI cancellation on the basis that the threshold for cancellation was actually 75 % because my loan was about 3 months past its two-year anniversary ( note that I began this process BEFORE the two-year anniversary, but it was stymied by a coincidental servicer change ). Conveniently, the flawed XXXX and this " new '' threshold combined to mean that the principal-reduction payment Chase was demanding to cancel PMI under the new value test was almost identical to the payment they had demanded to cancel PMI under the original value test ( in fact, it was {$900.00} MORE ). This conclusion struck me as inaccurate, as XXXX XXXX XXXX servicing guidelines suggest that the 80 % threshold applies to any request made under the " significant improvements '' prong for PMI cancellation, and at least two other servicers of XXXX XXXX loans indicate explicitly in online materials that the 80 % threshold applies to requests for cancellation of PMI on XXXX XXXX mortgages when made under the significant improvements prong, even for years 3-5 of the loan. Given these facts, I immediately called Chase to ask why a 75 % threshold was being applied to my PMI-cancellation request. The Chase representative confirmed that I had made a request under the " significant improvements '' prong and confirmed that no determination was made that significant improvements were not present. After I referred the representative to XXXX MXXXX XXXX servicing guidelines, he agreed that he did not know why the 75 % threshold was used, and he indicated that he would escalate the matter. Chase responded to this call in a letter dated XX/XX/. The letter -- less than one page -- concluded simply that " If ... the loan is between two and five years old as in your case, a XXXX is required to confirm you have a 75 % LTCV ratio even if SI [ significant improvements ] have been made on the property ''. It explicitly attributed this putative rule solely to XXXX XXXX, but did not cite any document supporting such a requirement. On XX/XX/, I again called Chase to ask about the letter they sent in response to my previous call. The representative from Chase advised me of two things : ( 1 ) that if the 75 % threshold Chase was requiring appeared to differ from XXXX XXXX XXXX public requirements, then it must have come from XXXX XXXX in my original loan documents, and ( XXXX ) that I should send further communications through their online messaging platform, as any future calls would simply generate the same form letter that Chase sent me before. I subsequently reviewed my loan documents and confirmed that item # 1 was untrue ( unsurprisingly, as FXXXX XXXX did not originate my loan, and I have never signed any agreement with XXXX XXXX ). I then sent a message to Chase through its online platform as I was advised to do. On XX/XX/, I was informed that Chase was " escalating '' my inquiry and that I would receive a response in 3 business days. Later that same day, XX/XX/XXXX XXXX XXXX I spoke to a representative ( XXXX XXXX at XXXX XXXX who disagreed with Chase 's statement of XXXX XXXX XXXXs policies in its XX/XX/ letter, and informed me that, in line with XXXX XXXX XXXX servicing guidelines, with significant improvements, the threshold for PMI cancellation would be 80 %, regardless of the loan 's current age. He further explained that the only reason for not processing my PMI cancellation request would have been if the improvements I had made to the property were determined to not qualify as " significant improvements. '' As a reminder, this was a potential suspicion of mine from the start. In my original call to Chase, I specifically inquired whether such a determination of no significant improvements was made and, if so, where I could find information supporting that determination. On the phone, I was advised that no such finding was made ( although the representative confirmed that I had applied under the " significant improvements '' prong for cancellation ), and the letter I received in response to this call indicated that the 75 % threshold was applied solely on the basis of the age of my loan, not based on a determination of no significant improvements. After the call with XXXX XXXX I sent a supplementary message to Chase, explaining the information I had received from XXXX XXXX and again asking for justification for Chase 's decision. I received a confirmation message that said this supplementary message would receive a response in one business day. As of today, XX/XX/ ( six business days later ), neither the XX/XX/ message nor the XX/XX/ message has generated a substantive response from Chase. Earlier today, I called Chase again and requested the name of the insurer collecting my PMI premiums each month. I was informed that the insurer was XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX XXXX Based on my subsequent research, an investment affiliate of Chase is the third-largest shareholder of XXXX XXXX, XXXX XXXX with somewhere between 6 and 8 % ownership ). | ||||||
| 06/19/2021 | Yes |
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Web | |
| Before I begin this complaint, I need to state this was only to be a simple name change on my business debit card. What would result is a humiliating event that I wished would have never happened. I tried to choose the best description of my complaint in Step 2. On XX/XX/2021 I visited Chase Bank to see XXXX XXXX XXXX that XXXX had previously set up for me because he was helping at another branch and Mr. XXXX XXXX was not available. I would be there for at least 90 minutes or more being " interviewed '' by XXXX XXXX. She had a form that she wrote down each response that I gave her from each question that she asked. At first, I felt like she was genuinely interested in me as a business customer. It was like she wanted to know more about my business ; but further in, it started to get " creepy '' and I didn't know why. I do get a lot of interest and or shock when I have to speak about my business. I am a XXXX educated woman who is starting a consulting business. This was my first business bank account and I didn't know what to expect so I just went with it. It did get to be a lot. It was a weird exchange for a simple name change. She looked at my account and " insisted '' that I perform banking online and " insisted '' that I sign in then. Then she " insisted '' that I sign up for credit journey. I told her that I already have credit services, but she " insisted ''. She kept getting up and going to the printer. However, she kept insisting ( just like XXXX did ) that they might not be able to place my prefix XXXX on my card. I didn't understand the problem. Both stated that my account has to have the name on my driver 's license, and that it may be a problem to but they may be able to put my " preferred '' name on my card. If they could, this is how they would have to do it. I told him and her that this was fine, but I wanted XXXX XXXX XXXX on my card. This was always the underlying statement as the interviewed continued. She continued with a different question, steady changing things on the computer regarding my account. I can remember that at the end, she asked me about my children and wrote down each of their ages. Then when everything was done, she didn't get up. When I complete every business transaction, every meeting business and personal, the person gets up and shakes your hand as you leave. She didn't, she just sat there looking at me. I knew something was wrong but I didn't know what. Eventually, I would get my card and it STILL was wrong. " Really, What could possibly be the problem? ", I thought. It was like pulling teeth. Just to get a name change on a card. I really couldn't believe it. As soon as I got it. I can remember that I was on my way to exercise. I called the branch and spoke to XXXX. I told him that my card was still wrong. He said that I would have to bring it in. I wasn't dressed to go in the bank so I asked if I could bring it another time. He said that if I couldn't come then that I would have to wait some time days from then. I told him that I was dressed to come in the bank, and he said that that was no problem. He sounded so reassuring. I came in and then he just kept saying that he didn't know if he could do this. He kept talking about the name on my driver 's license has to be the name that if he could change it, it would be my preferred name that would have to be the change. He got up and talked to the manager. Then he came out from there. I told him that I stayed there with XXXX XXXX for more than 90 minutes, the last time that I was there and she had a whole page on me. He put his head down to laugh. " A whole page? ", he retorted. Yes, I responded. The whole time, he kept telling me how much I reminded him of his wife. I mean he kept talking about his wife. Then after 20 minutes, XXXX XXXX came out. He then went over to speak to her. He stayed there about 3 minutes and she got up and went to the back where she came from. I stayed there about 10 minutes more ( hearing at least two more times of how I remind him of his wife ). So he started to give me back the card and told me that I can use it and still get money from it. I told him that he can just shred it and that I would wait for the new card. He looked surprised. I then left. He also did not get up. My complaint is also that I think that XXXX XXXX shared my information with another bank. I received an angry, direct email from this bank. This person, always have sent me " Trump-like '' emails, encouraging me that I could reapply with another bank. I would receive a solicitation from this bank ( only this bank ) about my other business. This business had just been applied for and no one knew of this business officially but XXXX XXXX. This was strange. I recently needed to get a money order and some money from the bank and I refused to go to that branch. I went to the branch downtown, this person greeted me and helped me. He asked me why wasn't banking online, I didn't want to go into detail but I told him briefly of my experience with that branch on XXXX. He said that's deep then he explained that solicitations always come from banks that then, as I explained a little more, he responded in awe, and said " That's deep ''. He was kind and generous through out. He said that he realized my problem with that other bank but, if I let him, he would like to make my experience better now that I've met him. I felt so good about talking to him. Finally, I decided to lodge this complaint. After speaking with gentleman on the phone, I was alerted to how I can perform my task. One of the questions is that if I tried to resolve it with the bank, so, I went yesterday to what I thought was the corporate office of Chase. It turned out just to be the branch on Corporate, as Mrs. XXXX explained. She was kind. She asked about my reason for visiting and then she let me know that she was the branch manager and that after she was finished with this customer, she would help me. I sat with her and told her of my complaint. She did her best to try to explain what happened but she couldn't tell me why XXXX XXXX sat with me for at least 90 minutes and still my card was wrong. Or why Mr. XXXX kept telling me about his wife. Better still, why after 4 visits, I still had not had my card with my name change. I asked here if it was really that hard to do and she said no. It only would take about 10 minutes. The result now is that she would call to cancel the other card that was supposed to be ordered on XX/XX/XXXX and expedite me another card. She did this on the phone. This was a positive experience and I wish that I would have had this before ; however, I'm scarred. I went to another bank with my other business and I didn't have a problem. I did notice that the unit number was not on my card. So I went back. Between this time, I had received an email from them asking if everything was well ( nothing from Chase ). I also received a call letting me know of a form that I could complete. I responded yes and then it was secured emailed to me. I visited the bank and brought them to check that needed to be corrected. I was able to see my banker, get this corrected, get my name changed on my personal card and my business card, get checks ( reasonably priced ) plus complete the form, ALL IN THE SAME VISIT. All with the banker getting up to greet me as I left. | ||||||
| 06/19/2021 | Yes |
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| Before I begin this complaint, I need to state this was only to be a simple name change on my business debit card. What would result is a humiliating event that I wished would have never happened. I tried to choose the best description of my complaint in Step 2. On XX/XX/2021 I visited Chase Bank to see Miss XXXX XXXX that XXXX had previously set up for me because he was helping at another branch and Mr. XXXX XXXX was not available. I would be there for at least 90 minutes or more being " interviewed '' by Miss XXXX. She had a form that she wrote down each response that I gave her from each question that she asked. At first, I felt like she was genuinely interested in me as a business customer. It was like she wanted to know more about my business ; but further in, it started to get " creepy '' and I didn't know why. I do get a lot of interest and or shock when I have to speak about my business. I am a XXXX educated woman who is starting a consulting business. This was my first business bank account and I didn't know what to expect so I just went with it. It did get to be a lot. It was a weird exchange for a simple name change. She looked at my account and " insisted '' that I perform banking online and " insisted '' that I sign in then. Then she " insisted '' that I sign up for credit journey. I told her that I already have credit services, but she " insisted ''. She kept getting up and going to the printer. However, she kept insisting ( just like XXXX did ) that they might not be able to place my prefix XXXX on my card. I didn't understand the problem. Both stated that my account has to have the name on my driver 's license, and that it may be a problem to but they may be able to put my " preferred '' name on my card. If they could, this is how they would have to do it. I told him and her that this was fine, but I wanted XXXX XXXX XXXX on my card. This was always the underlying statement as the interviewed continued. She continued with a different question, steady changing things on the computer regarding my account. I can remember that at the end, she asked me about my children and wrote down each of their ages. Then when everything was done, she didn't get up. When I complete every business transaction, every meeting business and personal, the person gets up and shakes your hand as you leave. She didn't, she just sat there looking at me. I knew something was wrong but I didn't know what. Eventually, I would get my card and it STILL was wrong. " Really, What could possibly be the problem? ", I thought. It was like pulling teeth. Just to get a name change on a card. I really couldn't believe it. As soon as I got it. I can remember that I was on my way to exercise. I called the branch and spoke to XXXX. I told him that my card was still wrong. He said that I would have to bring it in. I wasn't dressed to go in the bank so I asked if I could bring it another time. He said that if I couldn't come then that I would have to wait some time days from then. I told him that I was dressed to come in the bank, and he said that that was no problem. He sounded so reassuring. I came in and then he just kept saying that he didn't know if he could do this. He kept talking about the name on my driver 's license has to be the name that if he could change it, it would be my preferred name that would have to be the change. He got up and talked to the XXXX XXXXhen he came out from there. I told him that I stayed there with Miss XXXX for more than 90 minutes, the last time that I was there and she had a whole page on me. He put his head down to laugh. " A whole page? ", he retorted. Yes, I responded. The whole time, he kept telling me how much I reminded him of his wife. I mean he kept talking about his wife. Then after 20 minutes, Miss XXXX came out. He then went over to speak to her. He stayed there about 3 minutes and she got up and went to the back where she came from. I stayed there about 10 minutes more ( hearing at least two more times of how I remind him of his wife ). So he started to give me back the card and told me that I can use it and still get money from it. I told him that he can just shred it and that I would wait for the new card. He looked surprised. I then left. He also did not get up. My complaint is also that I think that Miss XXXX shared my information with another bank. I received an angry, direct email from this bank. This person, always have sent me " Trump-like '' emails, encouraging me that I could reapply with another bank. I would receive a solicitation from this bank ( only this bank ) about my other business. This business had just been applied for and no one knew of this business officially but Miss XXXX. This was strange. I recently needed to get a money order and some money from the bank and I refused to go to that branch. I went to the branch downtown, this person greeted me and helped me. He asked me why wasn't banking online, I didn't want to go into detail but I told him briefly of my experience with that branch on XXXX. He said that's deep then he explained that solicitations always come from banks that then, as I explained a little more, he responded in awe, and said " That's deep ''. He was kind and generous through out. He said that he realized my problem with that other bank but, if I let him, he would like to make my experience better now that I've met him. I felt so good about talking to him. Finally, I decided to lodge this complaint. After speaking with gentleman on the phone, I was alerted to how I can perform my task. One of the questions is that if I tried to resolve it with the bank, so, I went yesterday to what I thought was the corporate office of Chase. It turned out just to be the branch on Corporate, as Mrs. XXXX explained. She was kind. She asked about my reason for visiting and then she let me know that she was the branch manager and that after she was finished with this customer, she would help me. I sat with her and told her of my complaint. She did her best to try to explain what happened but she couldn't tell me why Miss XXXX sat with me for at least 90 minutes and still my card was wrong. Or why Mr. XXXX kept telling me about his wife. Better still, why after 4 visits, I still had not had my card with my name change. I asked here if it was really that hard to do and she said no. It only would take about 10 minutes. The result now is that she would call to cancel the other card that was supposed to be ordered on XX/XX/XXXX and expedite me another card. She did this on the phone. This was a positive experience and I wish that I would have had this before ; however, I'm scarred. I went to another bank with my other business and I didn't have a problem. I did notice that the unit number was not on my card. So I went back. Between this time, I had received an email from them asking if everything was well ( nothing from Chase ). I also received a call letting me know of a form that I could complete. I responded yes and then it was secured emailed to me. I visited the bank and brought them to check that needed to be corrected. I was able to see my banker, get this corrected, get my name changed on my personal card and my business card, get checks ( reasonably priced ) plus complete the form, ALL IN THE SAME VISIT. All with the banker getting up to greet me as I left. | ||||||
| 03/27/2022 | Yes |
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| XXXX XXXX dollars was stolen from my Chase Bank checking account on Friday, XX/XX/XXXX, by means of XXXX {$1000.00} fraudulent XXXX transfers. The following is my attempt to recount the details of this theft to the best of my ability : On Friday, XX/XX/XXXX, at XXXX p.m., I received the following text from XXXX ( XXXX ) XXXX : Chase Bank : Did you attempt a {$1000.00} XXXX payment on XX/XX/XXXX? Reply YES or NO.Reply HELP for help, STOP to end msgs.Msg & Data rates may apply. After I texted, NO, at XXXX p.m. I received the following reply immediately following, also at XXXX p.m : Chase Bank Alert : Thank you We received your response No further action is required at this time This transaction will be reversed with the help of your phone representative. Fridays are my busiest days at work, so I quickly read these texts without noticing the typos. I quickly checked my Chase account, and it did not see any charges to XXXX. However, I have never used XXXX and was not sure how it would show up on my account. At XXXX p.m. I received an incoming call from XXXX ( XXXX ) XXXX. Because my phone did not list it as a spam or spam likely call, and because I was concerned about the potential fraud, I answered the call. The person on the phone confirmed my first and last name and said he was from the Chase potential fraud department ( I dont remember what name the caller gave me or the exact department he named ). He had issues at first hearing me, so I took my phone off speaker and put it directly to my ear. He asked if I authorized a a {$1000.00} XXXX transfer to a user named XXXX. I said that I did not. Then he said that because XXXX payments are non-refundable, he was going to walk me through transferring the money back to my account through XXXX. I was surprised that we were not going to just cancel my debit and/or credit card like usual when there has been attempted fraud on my account, but because XXXX is apparently a direct payment feature I figured that cancelling my account or cards wouldnt do anything and thought that this must be the only way to get my money back. The person on the phone walked me through accessing XXXX through the Chase app and setting up an account. He kept asking if I was still there like he was impatient, and I said yes that I was just going through the steps he was instructing me to do. He said that XXXX who allegedly impersonated me on XXXX was a part of XXXX XXXX Bank, so he was going to send a confirmation code from there. He said I should receive the confirmation code shortly, which I did. The confirmation code came through the following text from XXXX : XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within XXXX hours. Verification code XXXX. Questions? XXXX. I then read the the verification code to the purported Chase representative who was still on the phone. He then proceeded to walk me through linking my phone number to my XXXX account. However, I told him that I encountered an error that my number was already in use. He said that XXXX must have been using my cell number, so he sent me another XXXX XXXX confirmation code. I received the following text from the same number : XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within XXXX hours. Verification code XXXX. Questions? XXXX. The purported Chase representative then said I was going to send the money back to myself using the temporary number he created. He had me type my first and last name in the recipient field in the XXXX part of the Chase app and the temporary number he read off to me. I said that this didnt make sense because I was sending money to my name with a different number. He got flustered and said something about sending the money back to myself, again reiterating that it was the only way of getting my money back since XXXX money is nonrefundable. I wrote in the notes field potential fraud. He then said that we were going to do the same process again because the person sent XXXX {$1000.00} payments to XXXX. We walked through the process again, and I again wrote potential fraud. The purported Chase representative then said his system had a malfunction and we were going to need to do those XXXX transactions again because they did not go through. I looked at my Chase account payment history, which showed the XXXX XXXX transactions, and told the person on the phone that both transactions seemed to have gone through. He said that he cancelled the transaction but that it could take 10 minutes to register on my account. I paused and said that I was sorry, but asked if he had any way he could prove he was from Chase. He paused and made a couple apologies and asked for me to repeat my question. I explained through tears that I saw my account balance going down and it made me scared and wanted to know if he had a way he could prove he was from Chase. He chortled and said, Umm, and then disconnected. I thought at first that we had gotten disconnected because I do not have great cell service in my area. However, when I did not receive a call back, I immediately panicked because of my gut feeling that I had just been scammed. I called the Chase customer service line, and, once I eventually reached a person, was directed to an account XXXX. When I described what happened, the person from Chase said it sounded like I was most likely scammed and that because I authorized the payment there was nothing I could do. I said that the transactions were pending and asked if we could just cancel them before they went through. She said that because it was through XXXX, XXXXChase Bank couldnt do anything. I asked, through tears, if she could cancel my XXXX account. She said that she could not but that I could try calling XXXX to cancel my account and potentially cancel the pending transaction. Immediately after that discussion with the Chase Bank account XXXX, I called XXXX, but could not get any person on the phone because I used XXXX through Chase not through the XXXX app and the automated voice told me to contact my bank. But I had just talked to a Chase account XXXX who said the opposite. In frustration, I googled to determine if there was a way to cancel a pending XXXX transaction and found that if you deactivate your XXXX account and the person you transferred the money to isnt a registered XXXX user and hasnt accessed the transfer yet, you could still get your money back. I quickly deactivated my XXXX account because I then recalled that the number to which I fraudulently transferred money ( under my name ) did not have an icon marking it as a registered XXXX account. After cancelling my XXXX account, I checked my Chase account for the rest of the day and the transaction was still pending. It wasnt until the next day that I saw the charges were no longer pending, and that my account had in fact been fraudulently debited with XXXX XXXX withdrawals of {$1000.00} each on XX/XX/XXXX. I hope that you will be able to follow-up on this theft of {$2000.00} from my Chase Bank account and help any other victims of similar fraud. Please let me know if you can provide me and all other people who may have been victims of this fraud- with any assistance in recovering these stolen funds. I will, of course, try to provide you with any additional details that may help with your investigation. | ||||||
| 07/30/2017 | Yes |
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| On the date of XXXX XXXX, 2017, I received an email alert stating that I had confirmed an email address change to my online account. This rose as an immediate red flag because I had not made any changes to my online account. I was unable to contact Chase via phone immediately because I was making my way to work. As soon as I came to a stopping point I contacted Chase to notify them about my concerns. The agent reverted the email address change without any security hesitation. She was quick to end the call, but I interrupted her and demanded her to check my recent account activity. She mentioned two withdrawal transactions, one of {$200.00} and another of {$300.00}, that were processed in a Chase branch, XXXX XXXX XXXX XXXX XXXX XXXX, CA. I told the agent that I had not made those withdrawals, she then stated that those withdrawals had been made with my debit card ending in XXXX. Again, I reasserted that I had not made those withdrawals and read back to her the card number after she had asked. She confirmed that the withdrawals were made with my debit card ending in XXXX, which was not true because I had not used my card since the Friday of XX/XX/XXXX when I made some deposits at the branch located in XXXX XXXX XXXX XXXX XXXX XXXX, CA. She went on to saying that there was a record of me calling to ask for my debit cards pin number and that the pin number was given over the phone. I had not made that call nor the withdrawals. I became really alarmed at this point because Chase did not follow its own security promises to the consumer. However, the agent did cancel my card immediately and reassured me that a new one would be mailed out within ten business days. Shortly, I was transferred over to the claims department where I began filing my claim and was asked to follow up once the transactions had been posted. Then I was transferred to another department where my information was verified. There I discovered that my email address, mailing address, and past employers had been completely changed. I changed everything back to my personal information and set up a voice password. Later that day, I called Chase again to have my online account unlocked since they had not done it in the previous call. The agent helped me restore my account credentials and regain access to it. Once I noticed that the transactions had been posted, I contacted the claims department to follow up on my claim. The agent was unable to find my claim and stated that the original claim had not been processed. He did not have a valid reason as to why this had occurred. He refiled my claim and promised the temporary credit of {$500.00}. Along with it, came some false accusations from his end. He accused me of lying and disrespected me. I kept my composure and ended the call. I decided to go into my local branch because I thought that maybe they would have more accurate information to deliver to me and a better customer service. I was wrong. The agent was extremely rude and treated me as least of her priority. She wouldnt allow me to speak by shushing me or interrupting me, throughout our sit down she rolled her eyes at me, and I quote her, Its only {$500.00}, weve dealt with greater amounts in the thousands-with a feisty eye roll. This sure did not make me feel like the best part of Chase as your company tends to quote. I waited the 4-5 business days and I did not receive the temporary credit or a follow up call. I contacted the claims department once again and soon discovered that the refiled claim had not gone through once again. At this point, I became extremely frustrated with the situation because I couldnt quite comprehend why the claims department had been so incompetent with filing a claim. The agent had its supervisor escalate my claim and immediately granted me the {$500.00} credit. She asked me to wait 30-45 days when I would be receiving closure to this claim. I ended the call confidently thinking that my issue had been resolved and although I had been a victim of fraud, Chase was doing everything possible to make amends and better protect my account like they should of from the beginning. Boy was I wrong! On XX/XX/XXXX, I discovered that my temporary credit had been reversed on the XXXX. I immediately contacted the claims department and inquired about their action. The agent stated that they proceeded with the reverse because they couldnt find sufficient information to support my claim. I reminded them of the email I had received and I was asked to fax it over to XXXX at my local branch. Monday came around, XX/XX/XXXX, and I visited my XXXX branch to have the copy of my email faxed over. The agent there was extremely rude and impolitely told me to email it next time after saying that she wasnt sure if her fax machine worked or not. The next day, XX/XX/XXXX, I contacted the claims department to follow up on my documents. The agent didnt bother to look for them until I confirmed that I had already faxed over my piece of document the day before. I realized that she was too incompetent of her job and asked to speak to a supervisor. The agent had me on hold close to an hour. In that hour, I began digging through my online account and discovered three more pieces of evidence. It was my bank statement that stated that the withdrawals made with a card ending in XXXX and not my card ending in XXXX. Additionally, I found two ATM receipts that stated on the right upper corner that a card was not used to process these withdrawals. There you had it, perfect factual information that proved that my card was not used for these withdrawals as the first agent from XX/XX/XXXX had confirmed. The agent returned and told me that her supervisor was unable to speak to me at the moment and suggested to get a call back which I agreed to. I never received the call. On XX/XX/XXXX, I returned to my local branch and faxed over the additional pieces of evidence that I had found in my online account. I called back on the XXXX and the agent there asked me call back the next day because they did not have any follow ups. On the XXXX I spoke to a supervisor and I was advised to wait another 4-5 business days. I followed up on the XXXX and they had absolutely nothing to offer me. Thats when I decided to file a claim with Better Business Bureau in efforts to get a response in regard to resolving this issue. A week later, on the XXXX, I was contacted by one of your executives by the name of XXXX. He mentioned my claim with Better Business Bureau and stated the my {$500.00} would remain reversed because the withdrawals were made with a mobile app that does not require the physical debit card. I was not even aware of this app and now my only thoughts were that Chase does not want to be held responsible for their fault on this crime because they are now contradicting themselves. First, I was told that the withdrawals were made with my card ending in XXXX and I found evidence that proved that to be incorrect, so now Chase is saying that these withdrawals were made with an app that I did not know of its existence. XXXX reopened the claim and held himself accountable to conduct this claim. He contacted me on XX/XX/XXXX, but I missed his call due to being at work. I attempted to return his call ever since that day and left a couple voicemails. I still have not received a response from him. | ||||||
| 12/04/2022 | Yes |
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Web | Older American, Servicemember |
| REFERENCES : CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/2022 ) XXXX Complaint ID # : XXXX ( XX/XX/2022 ) As a current Chase customer I tried to open a dialog about my attempt to refinance with them and their lying about the cancellation, documented by my CFPB complaint XXXX ( XX/XX/2022 ). After the lie stating that I canceled my refinance application Chase continues to send me information as to my estimated equity of $ XXXX after a request not to send it. I have sent XXXX secure correspondences to Chase corporate, the latest being XX/XX/2022 and they respond with an auto response " We'll respond as quickly as possible. We may send our final resolution by U.S.mail for your privacy and protection. ", no further secure contact, or mail, avoiding the subject- they have been given sufficient time to respond. It appears that like their staff XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who used the phone to obfuscate and avoid accountability, corporate Chase also avoids documented dialog when discussing their staff and deceptive policies. Apparently stating a lie, repeating it and then avoiding the subject is the Chase policy. In dialog Chase 's representative XXXX XXXX XXXX XXXX, lied to me over the phone and the conversations sounded like he had a personal bias, based on his final conversation he repeated " but it is dirty '' over and over, his concern should have been, do the numbers work or not. My response to his parroted comment on the well water stains was that addressing my old water system and remodeling the bathrooms was one reason for the refinance ( removing the problem ). I did not record what these conversations catching their lies as a result of how the conversations went I can not trust their staff. In addition during our dialog they sent me an email where they requested to contact my inspector, there was no record of their contacting the inspector. I had discussed the well water that had stained the walls with the inspector, so the staining should have been resolved if they had talked to him - that there was no documentation of contact reaffirms that this was a " XXXX XXXX '' strategy to force me to drop the application. As it stood if I had complied with inspection, cleaning / fixing I would have been further in debt and without assurance of refinance. I suspect that the deception was just XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who made the lie that corporate repeats, stating that I had canceled my application when I did not play into their XXXX XXXX by canceling they lied. Not sure why Chase would go to deceptive practices if there was a legitimate reason to deny my refinance it should have been in the numbers and documented, the phone conversations should have reflected options to fix the numbers- this was not done. I still do not know why Chase sent my mortgage to Florida to be processed since I live in Virginia, different laws, rules and possibly corporate friendly courts maybe? I had gone to their site to apply for refinance since I had a mortgage with them, they were aware of the location of the property. I am not sure about the effectiveness of legal action against them since deceptive practices as they executed by moving discussions from documented format such as email, letter to phone, is a grey area and possibly State dependent. For example if I had recorded the conversation Florida does not have single party consent, Virginia does. Chase sent my refinance to Florida where at least one law would conveniently enable deceptive practices and legal action could be costly. The verbal lies that were reflected in Chase 's response to the previous CFPB complaint and Chase is avoiding are as follows : - ) XXXX XXXX XXXX XXXX told me over the phone that they would accept the inspectors results regardless of the outcome. When the outcome was not what XXXX XXXX XXXX XXXX wanted he did not accept the inspectors reporting. - ) Chase in their response to CFPB stated that I canceled my mortgage application. I had not canceled it. - ) In an email Chase requested to contact the inspector, there is no documentation of that they did. - ) Chase implied that getting the inspection was my idea, it was theirs. I knew that the place needed work - hence the refinance. - ) Chase stated that I had agreed to clean/repair the facilities. I had not as repairs would have put me further into debt based on their word and I was suspicious of their intent as from XXXX XXXX XXXX XXXX it appeared to me to be a XXXX XXXX to force me to cancel by running my pre-refinance money out. - ) Chase responded to a XXXX complaint, XX/XX/2022 by continuing with the lie that I canceled the mortgage application. - ) XXXX non-verbal communication was an email from them was a request/permission to contact the inspector, the one who I had discussed the " well water staining '', they did not show any verification of communication with him prior to the lie. Damage caused by Chase - As I told XXXX XXXX XXXX XXXX then, my financial posture had significantly changed. I no longer have to cover my girlfriends medical and necessities since she has XXXX and social security now. She was nearly an invalid and I have XXXX so getting things fixed up required funds from the refinance. I had a decade of accumulated debt that included a new roof, sliding glass door, repairs after a tree fell on the house and major repairs to my vehicle. The refinance would have freed me of this debt and put me in a position to do proactive cleaning, maintenance and repairs on the house. Specifically my water system of XXXX years and to remodel the bathrooms for my girlfriend who is in he seventies and has limited mobility. If they had refinanced me I would have had {$3000.00} extra a month from my paycheck - lowered mortgage and no longer carrying unsecured debt. It would also have positioned me for retirement. Chase 's lies also cost me in the recent FED interest increases as those affect unsecured debt - making it harder to pay off. This year, instead of surprising my girlfriend and addressing XXXX XXXX XXXX XXXX 's " dirt '' I have had to focus on continuing to pay down the unsecured debt. Since I am a current mortgage holder and Chase 's actions have identified that they are not a trusted vendor, their policies are enabling or actively executing bias based, deceptive practices against customers. After this experience I consider my current mortgage payments as contribution to corporate delinquency. In conclusion there is no reason for Chase to avoid discussions, I still have a mortgage with them, the refinance would have been in both Chase 's and my best interests. The only conclusion for the lies and avoidance is discrimination, economic and my age in this case. Chase did not like the condition of the house even though the refinance amount was significantly less than their appraisers appraised value so they tried to force me to drop the application and when that did not work, they lied. I continue to receive promotions stating I have over a $ XXXX in equity, my payment history is good and I am still employed. Even if I retired the new payments would have put me within my retirement means. Because of their site sending my refinance application out of the state where the property was located has the appearance of shopping for friendly courts. | ||||||
| 12/22/2020 | Yes |
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| I received aXX/XX/XXXXemail that said it was from my boss ( had her name and wasn't reported as SPAM ). The email sounded like my boss. My " boss '' asked if I was busy and if I could help her out by running to pick up some gift cards she needed for a client but couldn't get herself because she was trapped in a conference call, and if I could she'd reimburse me ASAP- I understand this sounds like an obvious scam, but in the events industry working for clients/events of all types, plus her technical computer shortcomings I regularly have to help her out with ... .none of this seemed like a red flag, espeically since the email seemed to be sent by her and she wrote in a way she typically does asking me to do something she has asked me to do before last minute. My boss often asks me to run and pick up random things last minute - gift cards being one of them. I tried to just buy the gift cards online but ran into all these fraud issues for buying gift cards myself - Again, I know that should've been a red flag now, but at the time it actually further reiterated to me why my boss asked me to go get some real cards because she is so computer illiterate I thought, " If I'm having problems buying cards online too no wonder why she gave up and asked me to run to the store while trapped in a conference call. '' I texted my boss if she needed any other cards or anything else while I was at the store but the message wasn't immediately delivered/seen - again, further reiterating to me she was stuck in a meeting unable to get to her phone because I know she puts her phone on do not disturb when in meetings/does n't look at it. I purchased the gift cards. I had managed to purchase three gifts cards totalling {$100.00} each online at XX/XX/XXXX before that site, and all other gift card malls, blocked any further transactions ( again, this just reiterated to me why she needed me to go in person to get cards -because she must've also had this much trouble herself buying them and couldn't escape the meeting she was in to get the cards needed in time ). I went to XXXX ( local grocery store in XXXX, Arizona ) two times to purchase XXXX XXXX gift cards, ( first transaction = {$300.00}, second transaction = {$900.00} ). The total amount for all purchases, online and in store, was {$1200.00}. When I got home she ( aka the scammer posing as my boss ) instructed me to just send the redemption and activation codes. I did. Like I have in the past for various purchases for my boss. I was preparing my reimbursement invoice when I received another email asking for more gift cards because something come up. Again, she was writing like we she usually does with me. I was feeling kinda weird about it and brought it up to my husband, he told me to try calling or texting my boss again. It didn't go through at first. I messaged again saying I needed to talk to her asap and then tried to called her. She called back four minutes later and had no idea what I was talking about. I immediately tried all the card redemption numbers and they said they were all claimed. I immediately contacted my bank ( Chase ) and XXXX XX/XX/XXXX- 2X. I filed a complaint with FTC. I filed a complaint with IC3. XXXX tells me my bank should refund me. My bank says XXXX has to refund me. Online searches tell me I am unlikely to get anything back - which these billion dollar businesses know this happens, see how far the fraudsters go to be believable XXXX XXXX did flag it as spam, actually marked the message as " important '' ). I am not a millionaire. I am just trying to get by in this crazy year, but now I'm out {$1200.00} for a scam I'd like to see how many other people would catch if they were in my positionI received an XX/XX/XXXX/email that said it was from my boss ( had her name and wasn't reported as SPAM ) with her signature. The email sounded like my boss. My " boss '' asked if I was busy and if I could help her out by running to pick up some gift cards she needed for a client but couldn't get herself because she was trapped in a conference call, and if I could she'd reimburse me ASAP- I understand this sounds like an obvious scam, but in the events industry working for clients/events of all types, plus her technical computer shortcomings I regularly have to help her out with ... .none of this seemed like a red flag, espeically since the email seemed to be sent by her and she wrote in a way she typically does asking me to do something she has asked me to do before. My boss often asks me to run and pick up random things last minute - gift cards being one of them. I tried to just buy the gift cards online but ran into all these fraud issues for buying gift cards - Again, I know that should've been a red flag, but at the time it actually further reiterated to me why my boss asked me to go get some real cards because she is so computer illiterate I thought, " If I'm having problems buying cards online too no wonder why she gave up and asked me to run to the store while trapped in a conference call. '' I texted my boss if she needed any other cards or anything else while I was at the store but the message wasn't immediately delivered/seen - again, further reiterating to me she was stuck in a meeting unable to get to her phone. I purchased the gift cards. I had managed to purchase three gifts cards totalling {$100.00} each online at XX/XX/XXXX before that site, and all other gift card malls, blocked any further transactions ( again, this just reiterated to me why she needed me to go in person to get cards -because she must've also had this much trouble herself buying them and couldn't escape the meeting she was in to get the cards needed in time ). I went to XXXX ( local grocery store in XXXX, Arizona ) two times to purchase XXXX XXXXXXXX XXXX XXXX, ( first transaction = {$300.00}, second transaction = {$900.00} XXXX. The total amount for all purchases, online and in store, was {$1200.00}. When I got home she ( aka the scammer posing as my boss ) instructed me to just send the redemption and activation codes. I did. Like I have in the past for various purchases for my boss. I was preparing my reimbursement invoice when I received another email asking for more gift cards because something come up. Again, she was writing like we she usually does with me. I was feeling kinda weird about it and brought it up to my husband, he told me to try calling or texting my boss again. It didn't go through at first. I messaged again saying I needed to talk to her asap and then tried to called her. She called back four minutes later and had no idea what I was talking about. I immediately tried all the card redemption numbers and they said they were all claimed. I immediately contacted my bank ( Chase ) and XXXXXX/XX/XXXX - 2X. I filed a complaint with FTC. I filed a complaint with IC3. XXXX tells me my bank should refund me. My bank says XXXX has to refund me. Online searches tell me I am unlikely to get anything back - which these billion dollar businesses know this happens, see how far the fraudsters go to be believable XXXX XXXX did flag it as spam, actually marked the message as " important '' ). I am not a millionaire. I am just trying to get by in this crazy year, but now I'm out {$1200.00} for a scam I'd like to see how many other people would catch if they were in my position. | ||||||
| 09/03/2020 | Yes |
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| I am a XXXX XXXX XXXX by trade. At the end of XXXX of this year my sister withdrew her retirement from the post office. This was given to her on a pre-paid debit card. She offered to use some of that money to pay off some of my companies high interest credit cards. I called my personal banker at Chase and told him exactly this. I was told that the best way to do this would be to run the debit card through the credit card processing system which i was already set up with and had already used many times before. I was told to make an invoice between my sister and I in case it was requested. This was done. The prepaid debit card had a {$5000.00} limit so between the dates of approx XXXX and XXXX the card was run three times for {$5000.00} and one times for {$3000.00}. These totaled to {$18000.00} which is the amount of the loan and the amount disclosed to my banker when i called to request instruction. I did exactly as I was instructed to do by Chase bank. On approx XXXX I began a minor renovation for a client to replace the siding on his home. He made an initial deposit of {$4000.00} for materials and then was to make a {$7000.00} payment upon completion which he did via a credit card and i ran using the Chase touch tone capture system. Chase bank is withholding this {$7000.00} final payment for actual services rendered because they say that my previous transaction of {$18000.00} was invalid because it is a loan to my company via a family member. I understand this defense if i was using this system to transfer my debt onto her SSN, but that is not the case. This is her cash. Chase does not care. They say that we violated contract and they are using this other persons money to preserve their right to loss, which just does not exist. I have no other transactions pending with them. They say that this information is included in my merchant agreement, which is a very long fine print legalese document which i have read and still don't understand what I have done wrong. Regardless of contract however, they took time to review this transaction and then released the funds to me which were then spent on their non refundable stated purpose. I was told to remedy this I could refund the {$18000.00} to my sisters debit card and they would reconsider. Aside from the impossibility of this, I acted in accordance with what my personal banker told me to do and Chase took the time to review this, missed an apparent error that only they are able to extract from the contract verbiage, and they waited an unreasonable amount of time and did not even approach me preemptively but instead waited until it was convenient to them to address the problem. Every single person I have had to tell this story to at Chase bank thinks is preposterous until they call the actual Paymentech portion of Chase bank and then they just cease reasonable communication and state that payment will not be made for less than 6 months and then I am getting indeterminate answers on where the money will go. I am closing my Chase account so it can not go there and I don't understand how they would put it back on my clients actual credit card but i know if they do he will have paid interest on {$7000.00} for 6 months. I am getting no answers from chase except to read my agreement which i have done and do not see where it says a family member can not run cash through this system for a 3 % processing fee. I feel it is also worth mentioning that Chase bank has extracted from my remaining funds the {$870.00} from my checking account which is the 3 % of {$18000.00} and {$11000.00} despite them not actually processing the entire amount to my account. They have further told us that they will not be refunding any of the processing amount. They have now closed my credit card processing account and i could not put the {$18000.00} back onto my sisters prepaid debit card if I wanted to. This loss of {$8000.00} completely unexpectedly in the middle of a pandemic is causing extreme stress to my ability to fund my business operations and I am out of options. I have escalated this as far as I can wrench phone numbers from people. Following is a timeline of events. On XXXX i called to chase mobile deposit phone number ( XXXX ) and inquired about the hold on the funds seeing as how i had been making deposits since the previous thursday and they usually only have a one day hold. I was told my funds were in review and they would be released after. They were released the start of business the following day. On approx XXXX I ran a renovation customers credit card through the chase touch tone capture system as i normally would in the amount of {$7000.00}. This was a final payment on an {$11000.00} total invoice. The other {$4000.00} of the job was also on the same card and run through the same system and was released on the XXXX with the other {$18000.00}. ( The initial {$4000.00} was an upfront material cost for work that began approx XXXX and the remaining {$7000.00} in limbo is the remaining payment due to me from my client ) On XXXX I began to call the chase mobile deposit number and inquire if the funds were available. I was told the transaction was in risk review. I said ok and hung ended the call. I understand the need for this. On XXXX, now a work week later, I called and asked for information and was told that it was still in risk review. I was transferred to risk review and was told i would receive call backs with information. No call was received. on XXXX in the morning i began to call and was told that the risk department is only open from XXXX XXXX ) XXXX to XXXX. So i called back several times later in the day and got no help. on XXXX I again began calling. I spent approximately 2 hours per day on the phone with the different departments of the chase merchant services department to only be bounced between phone numbers that no one responded to and when they did they bounced me to another line. This went on everyday for approx 2 hours of actual spent time per day until the friday of XXXX. on XXXX I was able to get ahold of my personal banker because he seemed to be the only person that actually cared enough to pay attention to the issue beyond the first few sentences and he advised me he would be taking charge of the situation. On XXXX My personal banker called me back and was able to get his branch manager to issue a formal complaint up their chain of command. on XXXX we were told by the chase corporate complaint department that our concern was being reviewed and issued an analyst. It would be done that day. It was not done that day. On XXXX we were told we would be given an analyst. We were not given an analyst. on XXXX we were given an analyst and told it could take a couple of days. on XXXX we heard from our analyst and they would review. on XXXX we are told that in fact Chase would be holding our {$7000.00} for 6 months at which point they were indeterminate about where it would go. There only response is " we will hold it incase there are chargebacks or other incurred expenses. '' My client has already has this {$7000.00} taken off of their card and so I am unable to get him to have his bank dispute the charges. We tried that as well. This {$7000.00} is being held by chase with no risk to them. My Merchant Id number is XXXX | ||||||
| 09/15/2019 | Yes |
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| RE : XXXX Credit Report / Annual Credit Report, report # XXXX, date generated XX/XX/XXXX, Potentially Negative for JPMCB XXXX, XXXX XXXX XXXX dispute {$210.00} I request that the above potentially negative information to be removed from my credit report, because of the following reasons : 1. XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX . XXXX, XXXX, Fl XXXX committed a fraud by using XXXX tablet without showing All sales are final, no returns on the charge of {$210.00}. 2. Ms. XXXX XXXX of XXXX XXXX XXXX, accept the defect merchandise on XX/XX/XXXX, which was shipped by USPS priority # XXXX XXXX XXXX XXXX XXXX XXXX, without refund the {$210.00} charge to JPMCB XXXX. It is another fraud they committed. 3. Chase Bank had been informed by me since XXXX of XXXX, by the tel., faxes, emails, and online access. The dispute process was delayed by the Chase bank. The {$210.00} dispute case was opened? approved? Denied? Re-opened? Case number was changed a couple of times. Case number was changed from Case # XXXX to Case # XXXX and finally Case # XXXX. This process caused delayed XXXX XXXX XXXX to admit the fraud they committed, and they refused to refund {$210.00} because the deadline for refunds had lapsed. 4. Discrimination of XXXX XXXX ( my husband ) and me. XXXX talked to Chase Bank on my behalf for this dispute. They didnt agree to the open and re-open dispute. Chase Bank went ahead to lower his FICO scores from above XXXX to XXXX. XXXX disputed the allegation, then his FICO score went back to XXXX. XXXX FICO scores were lowered from above XXXX to XXXX, then lowered the second time to XXXX. 5. 3 of my Chase Credit cards ( # XXXXxxxxxxx, # xxxxxxxxxxxxXXXX, # xxxxxxxxxxxxXXXX ) had been closed because of this dispute for additional punishment. The Fact On the date of XX/XX/XXXX, at approximately XXXX in the State of Florida , in the Town of XXXX , I undertook to enter into an electronic purchase of an electronic device. The company selling the device was XXXX XXXX, XXXX. The vendor was operating inside XXXX XXXX during the XXXX XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX XXXX, had no SIGNAGE on their table stating any specific return policy. The vendor did not provide me with a paper receipt of the merchandise purchased. At no time, did the agent for XXXX XXXX XXXX, informed me of their All sales are final, no returns policy. Had I known of this policy would not have purchased the goods, I never ever purchase any merchandise on any credit card with that policy. The purchase transaction used a tablet. The tablet was a XXXX tablet. At no time, did the agent read aloud the full term of the purchase agreement. The vendor stated, this is what you want?, the price is {$200.00} plus tax. THAT WAS IT! At no time, was the return policy discussed, shown, or provided to me before signing on the screen of the tablet. Chronologic disputed outline : Chase Sapphire # XXXX XXXX XXXX, XXXX / XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Charged Ref # XXXX Charged without receipt & warranty by vendors XXXX tablet XXXX & XX/XX/XXXX Tel : XXXX, XXXX, fax XXXX, XXXX. Contacted XXXX and XXXX XXXX, XXXX by tel. XXXX, Ms. XXXX & email XXXX for Serial # XXXX, NOT WORKING UNIT XX/XX/XXXX Letter from Chase for Dispute XX/XX/XXXX fax XXXX, XXXX XX/XX/XXXX Mr. XXXX XXXX of Disputed Dept. XXXX, XXXX Ms. XXXX XXXX. XX/XX/XXXX XXXX, XXXX Ms. XXXX XXXX. XX/XX/XXXX Email : XXXX XXXX, XXXX, XX/XX/XXXX Replied to Chase online for dispute Email from Chase for review until XX/XX/XXXX XX/XX/XXXX Letter from Chase for dispute {$210.00} Case # XXXX, Dissatistfied with the quality of merchandise/service received XX/XX/XXXX Chase online confirmed for dispute Returned by USPS priority # XXXX XXXX XXXX XXXX XXXX XXXX , Ms. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Fl XXXX. Informed by XXXX and email at XXXX XXXX XXXX. XX/XX/XXXX XXXX, XXXX stated, {$200.00} + {$13.00}, dont pay for it XX/XX/XXXX Chase online confirmed for dispute Returned was accepted by XXXX XXXX, XXXX. XX/XX/XXXX Letter from XXXX XXXX XXXX, Dispute Dept. for update on your dispute ( s ) for {$210.00}. Case # XXXX XX/XX/XXXX Received a call from Ms. XXXX from refund. XX/XX/XXXX Letter from XXXX XXXX of Chase, dated XX/XX/XXXX, dispute of {$210.00} was denied. Case # XXXX XX/XX/XXXX XXXX XXXX emailed XXXX for acceptance of defected good of XXXX and requested refund of {$210.00} through Chase # XXXX XX/XX/XXXX Fax XXXX, XXXX for dispute {$210.00}, Case # XXXX, Letter dated XX/XX/XXXX. Confirmed fax received by Supervisor XXXX XXXX of XXXX, XXXX, and XXXX XXXX of dispute Dept. XX/XX/XXXX XXXX, XXXX of Disputed Dept., stated new case will take 24-48 hours. Call back on XX/XX/XXXX Sunday for new case XX/XX/XXXX Re-fax XXXX of XX/XX/XXXX, total 3 pages. XXXX, Ms. XXXX XXXX , call back 48 hours for new case. XX/XX/XXXX Letter from Chase confirmed re-dispute. case # XXXX XX/XX/XXXX Letter from Chase, Denied the re-disputed. Stated in the letter we found that significant amount of time has passed since the date of the charge. Despite our effort, the merchant is not willing to credit your account. Case # XXXX XX/XX/XXXX I informed XXXX to close the credit account after I paid all charges besides XXXX XXXX XXXX charge. XX/XX/XXXX Letter of Past due from Chase XX/XX/XXXX XXXX, XXXX # XXXX of Dispute Dept., XXXX XXXX XXXX, Mr. XXXX, Manager of XXXX XXXX, Texas XX/XX/XXXX Sunday, a call from Chase for Dispute and re-open dispute, and past due. XX/XX/XXXX Sunday, a call from Chase for Dispute and re-open dispute and past due. XX/XX/XXXX XXXX and her Supervisor, XXXX XXXX, TX. XX/XX/XXXX Letter from Chase for Contacting by mail only FICO Scores Changes : Because of the dispute ( s ), XXXX XXXX ( mine ) and XXXX XXXX ( spouse ) FICO scores were impacted as followed : XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Above 800 Above 800 XX/XX/XXXX Above 800 699, due to the dispute XX/XX/XXXX XXXX ( due to the dispute ) XXXX XX/XX/XXXX to XX/XX/XXXX XXXX ( punished again for the dispute ) XXXX, XXXX, XXXX ( contested the dispute ) XX/XX/XXXX XXXX XXXX Chase Credit Cards : I had 3 JPMorgan Chase credit cards which was issued at different time. And there are all closed now, because this dispute. The timelines are : Chase # XXXX Chase # XXXX Chase XXXX # XXXX Account opened XX/XX/XXXX XXXX XXXX # XXXX : Credit line changed Credit line {$11000.00}. XX/XX/XXXX, Reduced to {$5000.00} from {$20000.00}, due to the dispute of XXXX XXXX XXXX Charge Requested {$5000.00} credit to be merged to Chase # XXXX, and denied by Chase due to the dispute. # XXXX : Account closed. XX/XX/XXXX due to the dispute. But it was actually closed by Chase on XXXX, XXXX. Chase Sapphire : Account closed at consumers request and dispute investigation complete, consumer Disagrees. Closed by Chase Bank on XX/XX/XXXX, due to the dispute of XXXX XXXX XXXX Charge. XX/XX/XXXX This is what I did. This is what I attest. Base on the fact, I am punished by the frauds of XXXX XXXX, XXXX committed, and Chase Bank delayed the dispute process for the dispute. The punishments are not only once, twice, but more than 3 times. Twice to lower my FICO scores, then denied meagering my credit card line, lower my credit card line, then finally close my only remaining Chase credit card that was opened since XXXX. | ||||||
| 09/07/2021 | Yes |
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Web | Older American |
| XX/XX/2021 Ms. XXXX XXXX, Chief Executive Officer Chase Consumer Banking FAX : XXXX cc : Consumer Financial Protection Bureau Re : Name Change of Card Holder XXXX XXXX Chase United Mileage Plus Card # XXXX XXXX XXXX XXXX Dear Ms. XXXX, This is to inform you that several telephone customer service representatives at Chase Card Services dedicated to servicing the abovenamed credit card have engaged in the following : 1. Provided erroneous, incomplete or false information on multiple occasions to me 2. Attempted to solicit private information that is not necessary to obtain for a name change 3. Severely obfuscated and delayed the correction of my account details at Chase The facts are as follows : On or about XX/XX/2021, I contacted Chase via telephone to inquire re the correct procedure to inform Chase about my legal first name change. I was connected to a male representative ( # 1 ) and simply asked if it were possible to visit a Chase branch here in XXXX XXXX, CA, for this purpose. Representative # 1 stated this was not possible to visit a Chase branch, and that I must await delivery of forms from Chase, sent via USPS to the address on file. I told the representative that there is a pandemic and that I am only in my office once monthly, and for this to be expedited. After doing multiple searches on line, where anecdotal information NOT published by Chase indicated that it was possible to visit a Chase branch office to provide documents affirming the name change, I again telephoned Chase on XX/XX/2021. A male representative ( # 2 ), stated that it was not possible to visit a Chase branch to accomplish my task, but that I could fax the name change documents, i.e., my new drivers license and the court decree to XXXX XXXX XXXX XXXX. The fax was to contain a cover sheet ( see attached ), with privacy information, including either my date of birth or social security number. I found this very odd, since my drivers license already has this information. In addition, I was not comfortable providing my social security number, nor the entire string of numbers to the account. I asked the representative where this fax number would lead, e.g., the department, and he stated I dont know, but its where you send it. With much apprehension, I faxed the documents and cover sheet to this unknown number ( see attached ). On or about XX/XX/2021, I again contacted Chase to inquire as to the fax number that a ) never returned an acknowledgment of receipt, nor any additional information. I was connected to male representative ( # 3 ), who, when asked, again reiterated that it was not possible to visit a Chase branch to accomplish the process of name change, and that a ) he had no idea about this fax number ; and b ) a specific name change form could only be sent via USPS to the address on file. He also suggested that I avail myself of the secure messaging center, where the volley of messages can be seen. My initial secure message, in which I again, with great discomfort, had attached my drivers license and my name change, was met with an online response from XXXX, representative # 4, whose incoherent and false information caused great XXXX, confusion, and serious security concerns ( see attached ). She claimed that a ) my address on file did not match the one on my drivers license, and that I should change it with Chase, and b ) that I should provide either a social security card, a passport or NATURALIZATION PAPERS [ sic ]. In XXXX opinion, this would sway Chase to correct the name and provide me with an updated credit card. In extreme fear and uncertainty, not knowing where my information had been sent, not understanding why I needed to send such sensitive documents, I again telephoned Chase the following day. Representative # 5, a female, immediately explained that the fax number belonged to Executive Offices and that they most likely had received the faxed documents. She also explained that indeed, it is possible to visit a Chase branch to provide name change documents. This representative also connected me to another representative ( # 6 ) XXXX, a Chase customer service supervisor located in XXXX XXXX, TX. She asserted that she would forward the above information to Executive Offices. She then attempted to insert my home address as an alternate address. This failed on my end, since I never received an email confirmation that it had been executed. She reiterated multiple times during the conversation that she had changed my address information, but it was never confirmed to me. I then went into my account, provided my home address, and input that my office address was a mailing address. This was confirmed to me via automated email. I was also told it would be a moot point to visit a Chase branch at this time, since all my details were now with Chase. In a subsequent volley of secure online messages on XX/XX/XXXX, with two separate male representatives ( # 7 and # 8 ), I was again required to provide a photo copy of my social security card, despite the fact that a drivers license is never issued unless the SSA has updated their records. In addition, representative # 8 stated ( paraphrased ) your address is not on the social security card but we can check it. I was extremely agitated by this and felt my privacy was completely invaded. How is it that Chase checks my home address by me providing a social security card? And what would be the reason? I had already updated my home address in the profile. There was absolutely no need for sending in this sensitive information, based on the fact that the updated drivers license would never have been issued unless the SSA had not updated their records. To wit : I believe that Chase acted irresponsibly, erroneously and falsely, in particular by requesting naturalization papers ( there is a XXXX of XXXX, but this is not papers ). I also believe that all representatives, who denied me the opportunity to resolve this issue immediately by recommending that I visit a Chase branch, did not follow correct procedures, and delayed, obfuscated, and potentially lied to me. I was also coerced to change my mailing address, and inexplicably and incoherently exhorted to provide some documentation as to my office address ( by XXXX, see attached ). And I still do not have my details updated, despite furnishing the requested information, including uploading a photo of my social security card to the secure message service. I demand to know the following : a ) can an individual card holder visit a Chase branch to update their name change? b ) is it even legally appropriate to engage in requests for something ambiguous such as naturalization papers? Does this mean sending an entire file, partial applications, or just a certificate, potentially forwarding VERY SENSITIVE PRIVACY INFORMATION such as LPR ( legal permanent resident ) numbers and other data I believe that Chases incompetence and potentially harmful actions have damaged my XX/XX/XXXXstate, caused me acute XX/XX/XXXXXX/XX/XXXX( as per the XXXX XXXX ), eroded my credibility in Chase, and completely repelled me from using their product. If it were not for the connection to United Mileage Plus where I obtain points, I would cancel my card with immediate effect. Very Sincerely, XXXX XXXX, XXXX XXXX mobile XXXX XXXX | ||||||
| 11/27/2019 | Yes |
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| I was referred to this agency by XXXX where I had filed a complaint against Chase Bank complaining about their cheating me. This was my original complaint to XXXX. I got a 20 % home mortgage via Chase bank in XXXX. My monthly payments started at {$310.00} a month with a killer interest rate of 9.5 and only {$19.00} was going to principle. I did not know all of this because Chase just asked me what I can afford. This was around the time when banks were cheating people out of their money in XXXX. Well about 13 years ago, I went through the modification process. My interest rate went down to 5.5, still a little high, and my payments went down to XXXX a month with {$20.00} going to my principle. My loan officer at the time of modification told me the terms of my loan will also change. About six months ago, I got a letter stating a payment of {$33000.00} was due in XXXX of XXXX. I thought this was a joke. I called to find out what the issue was and the rude rep told me my maturity date ends in XXXX and the total amount of the loan is due. I asked how when the loan modification changed the term of my loan. In addition, I ask why a large amount is due and what kind of loan is this. I told her someone must have messed up in underwriting because it is not right. She rudely said no it wasnt and if you can't pay, sell your house. I continued to make payments hoping someone will catch the mistake but I just received the final notice that it needs to be paid in full. I called and a rep told me I have a balloon loan. I told her I was not aware of that and why will someone take a balloon loan out on a home. I called other banks and they told me too that was odd because balloon loans are usually for commercial properties and no bank should have approved that. They told me even with a fixed loan, my payments should have only {$370.00} with that 9.5 rate. So payments of XXXX a month is not saving me any money. Basically, someone messed up at underwriting. Now talking to Chase, they want me to give them my main loan, which is in good standing, so I can refinance with them. I don't want that because look at what happen with my 20 % loan with them. Also I explained that my modification loan officer said my loan terms have changed and just because he forgot to change the maturity should I have to suffer. I know I have to read what I sign but I trusted Chase. " By the above I have 165 years to pay the lawn off ''. This is the addendum I sent to XXXX. Thank you for another opportunity in regards to my issue with Chase regarding Residence Mortgage, loan number XXXX, this is a 20 % loan mortgage loan. Just 2 days after I filed my initial complain with XXXX, an Executive with Chase named, Mr. XXXX XXXX, phone number XXXX, Ext XXXX ( office hours XXXX to XXXX EST ). I explained my issue to him. He was apologetic and explained that Chase does not do business like that and do not treat their customers the way I was treated. I unequivocally told them I will not do another modification because I just did a modification in XXXX and by XXXX Chase is asking for full payment. He took possible dates of my previous conversations with Chase officials and promised to investigate it. He never called me back until the day I received your first letter, before I read the letter, informing me that Chase did not respond. Mr. XXXX then offered me to do modification again as one of the best options which I, again, turned down and told him I prefer to go to court and make it a public case so the public and judge would see Chase for the practices. This was after he apologized that he could not find any of my phone calls transcript, ( these calls are supposed to be recorded ). So I asked him if it means they can not provide the call records if they are subpoenaed, he had no answer for me. Let me explain why I rejected the modification and I why wanted this case to continue. After all the misrepresentation from Chase when I took this 20 % mortgage loan in XXXX ( loan number XXXX ), paying interest rate of 8.9 %, by XXXX I could not pay the {$310.00} I pay a month and most money was going to Chase interest. I was told that the interest rate would reduce, the maturity date would be extended. When the contract was signed, the interest rate reduced to 4.8 % but the maturity date was not extended. I did not know this because I trusted Chase and signed all papers without reading thoroughly. My monthly payment became XXXX and only {$20.00} was going to my principle. Again, I never noticed this, Chase is really taking advantage of people. Many people pay their bill with combing it trusting the companies, I was one of those and Chase is not a Company to trust. I then started a long process loan modification which ended in XXXX of XXXX. In XX/XX/XXXX, to my greatest surprise, Chase contacted me to inform me that by XXXX I have to pay the loan balance of {$33000.00}. When I called to get information I was advised to sell my home if I can not pay the money. ( I later found out that since XXXX when I took the loan only {$19.00} was going to my principle. For 15 years, I paid up to {$50000.00} on a loan of {$38000.00} and still owe {$33000.00} ). In XX/XX/XXXX, Chase contacted me again expecting me to pay the balance of {$33000.00} by XX/XX/XXXX. Following my subsequent call and inquiry to different Chase personnel, it was made clear to me that I had a balloon loan. Balloon loans are for businesses, they pay low interest rate and generate money to pay off the loan off in a small amount of time. I was also informed that on a loan of {$38000.00} I have paid up to {$50000.00} but only a little less than {$5000.00} went to my principle. The loan is paid off if you ask me but no one asked me. Currently, at {$20.00} a month going to my principle, it means I will pay for this loan for the rest of my life, 165 years and to be exact. My loan, for a residential home, had a high interest and is ballooned, very unethical and part I hate the most is the exploitation and misrepresentation Chase gave me. Chase did not keep the terms of the maturity date change as I was told they would during my XXXX modification. I trusted them that was why I signed everything they gave me with limitedly reading it. So I felt that doing another modification is a way to maneuver me again. Chase is not the lien holder of this loan, I did 80/20 and Chase got the 20 %. I have demanded to know why only {$20.00} was being paid into my principle, why I paid {$50000.00} to Chase and still owe {$33000.00}. What is their plan to have this loan paid off? At {$20.00} a month on a {$33000.00} loan it means it would take 165 years to pay this loan off. This is unethical in all ways and I have asked Chase to write off this loan because they got more than enough money from me. They still went ahead to send the modification papers which I have called Mr. XXXX to say I would not accept. I hope to get help from you and expose Chase if possible. If they did this to me they are doing it to many. I am willing to release any information you need, I will attach, fax or mail documents to you. Unlike Chase I have nothing to hide. I can authorize them to release all my documents to you, I do not want any privacy with Chase. They can not be trusted. Thank you. XXXX XXXX, XXXX, XXXX. | ||||||
| 07/19/2017 | Yes |
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| XXXX : Host canceled part of stay incorrectly and tried to increase the cost by more than 20 % with less than 24 hr notice, failed to pay the electrical bill in the place, locked me out of my own apartment rental, problems with the heating system in winter, problems with cable/internet being non-functional which was essential the same as basically everybody in 2017 but especially because the apartment had terrible phone reception. PLENTY of other stuff. None of this is anything anybody would pay upwards of {$2000.00} for the privilege of obviously. Additionally its egregiously not what was described, allowed per XXXX policy nor even legal in XXXX DC. XXXX / XXXX /17 XXXX XXXX XXXX First transaction date for XXXX : XXXX XXXX , 2017 ( put in to JPMorgan Chase XXXX XXXX ) XXXX dispute opened XXXX XXXX 2017 after attempting to resolve it {$1200.00} credit issued XXXX XXXX 2017 XXXX XXXX 2017 JPMorgan Chase issued letter requesting more info XXXX XXXX JPMorgan Chase rebilled the account under documentably false pretenses, claimed the requested additional information wasnt received, closed dispute. I have a mail receipt indicating otherwise ( more than 24 hrs in advance of their requested time during the business week, USPS ). I submitted a good stack of documentation explicitly indicating fraud in writing as well as numerous other violations, totaling more than 20 pages. XXXX XXXX I called JPMorgan Chase about this. They escalated the dispute, stated it was coded incorrectly ( which the codes they stated then compared to what I was told the first phone call didnt match ). The representative like the first said this should be resolved in my favor and basically seemed appalled at how bad the situation was which wouldnt exactly be a surprising response. She stated I should be given full refund and full amount of transaction disputed, rather than just partial. XXXX XXXX JPMorgan Chase XXXX XXXX received documents from me to reopen the dispute with the same documents that were originally sent in. All of this plus the mail cost me ~ $ 10+ and a lot of my time. According to the phone call today with JPMorgan Chase Disputes they didnt issue a full credit, and instead closed the dispute. Now stating XXXX / XXXX /17 the amount credited to the card was never for the full amount which appears to be inconsistent with what the manager had told me. Rebilled/closed XXXX XXXX , 2017 JPMorgan Chase validated the XXXX transaction, stated it wasnt a billing error ( which again obviously isnt the correct code per what I was told originally or at any other time, nor would it make any sense to code it that way per the card holder agreement ). XXXX XXXX , 2017 JPMorgan Chase issues a letter stating the XXXX transaction is valid. I was repeatedly assured this would be resolved or it should have already been resolved favorably including by an apparent manager. When I later spoke to a representative from JPMorgan Chase I was told the same person who has repeatedly egregiously incorrect managed disputes of mine in violation of the cardholder agreement among other things apparently handled this dispute also. This is despite multiple request to obviously have my disputes handled by somebody else. This is incredibly suspicious, weird and abnormal. I expect a lot better from JPMorgan Chase especially for their XXXX XXXX card. I 've helped correct JPM stock price in a number of situations where it was mispriced including during the XXXX XXXX incident where the bank was dramatically oversold incorrectly to the point where it could have posed an actual threat to the bank if it had continue much longer. My comments had an immediate correlation with $ 1bil+ of tangible value creation for the bank. Do you understand how many seven figure compensations JPMorgan pays people to *try* to create that type of value that was tangibly delivered not to mention the tangible cost of capital in the market for that type of value that can easily be independently documented? This is far from the first time theres been a problem like this with JPMorgan Chase which is genuinely terrifying. I was actually told explicitly that the same dispute resolution specialist that did something similar to this previously and that I have already filed a CFPB complaint regarding, handled both this and another dispute that were resolved dis-favorably with egregiously incorrect explanations as well as violations of the card holder agreement which is absolutely unacceptable. If it sounds like I 'm repeating myself its probably because this isnt even the first CFPB complaint I 've had to file today about incidents that flout any logic regarding business sense, contract or law. This seems almost like retaliation for literally just asking the bear minimum of whats in the contract and is obviously common sense. Despite all the value I 've help create for the bank, the risks I 've helped them mitigate, I 'm not asking for special treatment. All I want is equal treatment following the basic cardholder agreement, common sense and law. This situation really shouldnt be anything I should have to ask for, let alone waste my valuable time dealing with calling in repeatedly and speaking to numerous other counterparties. I expect far more from JPMorgan Chase as anyone should. This is terrifying and disappointing that I even have to file this just to have my rights respected. I spent numerous hours on the phone with JPMorgan Chase, XXXX , the host and their counterparties as well as otherwise communicating with these parties and assembling documentation. It doesnt matter that there is obviously a civil tort case at a minimum here against the host and potentially XXXX . A reason people use credit cards to begin with is to reduce their risk of malicious or other harm by counterparties in a transaction because the cardholder agreement among other things is supposed to offer protections. The number of things that are being done obviously wrong here is hard to even count here really. I wouldnt even expect this from somebody who had zero experience in banking and a very limited ability to read in any of the numerous languages the card holder agreement is provided in, or even airbnb. Nobody is going to XXXX expecting to pay for this type of experience, period. Its criminal. The fact that JPMorgan Chase XXXX XXXX , the premium card, apparently cant even follow their own guidance, do what would obviously be correct per common sense, or even just follow whats explicitly in writing per the card holder agreement is beyond terrifying. I could make a comment about just strictly whats been my experience with JPMorgan Chase XXXX XXXX at this point and JPM stock would potentially lose $ 1bil+ in a matter of minutes. How much time, effort and money does JPM spend every year to try to get that type of value? Thats likely a far more significant loss than most regulatory fines, and I couldnt argue with the validity of the damage these types of things do to the confidence as well as brand value regarding JPMorgan at this point. I have n't made any such comment at the moment, thats how nice a guy I am. Get this stuff functioning properly immediately please. Unbelievable. | ||||||
| 02/08/2022 | Yes |
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| I recently submitted a complaint with the CFPB regarding a billing error for {$930.00} with XXXX XXXX on my Chase credit card that Chase upheld when I disputed it. In the course of my two conversations with XXXX at Chase 's Executive Office in response to my complaint ( XXXX 's phone ext : XXXX ), XXXX admitted to me that negligence on Chase 's part had directly resulted in Chase 's inability to send my dispute to the correct department within Chase for resolving such billing issues. XXXX told me on a recorded line that, based on her finding of this negligence on Chase 's part, she was writing to Chase 's Dispute Department to request that my account be credited by Chase for the full {$930.00} as a form of Chase taking responsibility for its mistake. However, in the written explanation to my CFPB complaint that I received from Chase ( attached ), not only did Chase decide not to credit my account the disputed amount, but Chase further made no mention of the negligence XXXX described to me. Instead, the explanation said that Chase was opening up a separate dispute on another charge from XXXX on the basis of a double billing. XXXX called me again yesterday, XX/XX/XXXX, to inform me of this outcome. When I explained to XXXX that the information I provided in my original CFPB complain and my prior emails made clear that no double billing occurred, XXXX told me it was too late to pull this new dispute back. In sum, despite XXXX 's admitting to me over the phone that Chase 's negligence ( which I detail below ) directly prevented Chase 's compliance department from being able to review this charge, Chase 's written explanation to my CFPB complaint makes no mention of this, and instead their 'explanation ' is to open a dispute on a separate XXXX charge on the basis of double billing -- which is entirely wrong, and which I have never indicated to be the case. Now I will explain in detail the negligence that XXXX described to me on the part of the Dispute Department, which is what led her to request to the Dispute Department that Chase credit my account for the full amount of the dispute -- {$930.00}. XXXX explained to me that for Chase to find on the customer 's behalf in a dispute with a merchant for a service not rendered, the customer must be able to identify in advance specifically which service was not delivered. In my situation, because XXXX charged me -- as I explain in detail in my complaint -- after I departed XXXX, without my knowledge, and because XXXX never provided me an invoice for this additional charge, I never knew what XXXX had charged me. Therefore, all I could detail in my initial dispute submission with Chase was that I had paid all applicable charges relating to the rental contract in advance, and therefore that this additional charge from XXXX must, by definition, be a billing error. XXXX explained to me that in such a situation with a rental car company in which a customer is improperly billed for an unclear or unknown service at the end of the rental, it is Chase 's Compliance Department that is the correct department to review and adjudicate a resolution to the situation. XXXX told me that after I sent in additional information to Chase on XX/XX/XXXX, the Dispute Department reopened the dispute on XX/XX/XXXX. I originally disputed the charge with Chase on XX/XX/XXXX. Chase 's Dispute Department found in XXXX 's favor and upheld the charge during this first review without ever sending the dispute to Chase 's Compliance Department for review. Despite re-opening the dispute on XX/XX/XXXX, XXXX told me that the Dispute Department took until XX/XX/XXXX to finally forward the case to the Compliance Department. XXXX could find no explanation in the case notes from the Dispute Department either for this three-week delay in transferring the case to the Compliance Department after the dispute was re-opened, nor an explanation of why this dispute was not sent to the Compliance Department during the first review by the Dispute Department XXXX XXXX explained to me that a charge from a rental car company must be reviewed by the Compliance Department within 59 days of the charge. As such, the deadline for a review of this charge was XX/XX/XXXX, since XXXX billed my credit card the {$930.00} on XX/XX/XXXX. Had Chase 's Dispute Department transferred the case to the Compliance Department either during the original review, or within two weeks after the dispute was re-opened on XX/XX/XXXX, the Compliance Department would have had time to review. However, because Chase took until XX/XX/XXXX to finally transfer my case to the Compliance Department for review, Chase ensured that XXXXXXXX XXXX incorrect billing of my card for {$930.00} could not be rectified. It is unacceptable that Chase 's representative, XXXX, admitted this negligence on Chase 's part to me over the phone regarding the Dispute Department 's failure to transfer my case to the Compliance Department for review before the 59 day deadline, including telling me that she would request that Chase credit the full {$930.00} to me on the basis of this negligence, but that Chase then completely left this out of the written explanation to me. So what did Chase include in its CFPB explanation to me? Chase told me that on XX/XX/XXXX, Chase 's Dispute Department had opened up - on my behalf- a dispute with XXXX for a separate Charge of {$980.00}. Chase opened this up without consulting or informing me. This dispute has absolutely no justification or basis per the details I have provided Chase. What is this charge of {$980.00}? This was the charge that XXXX billed me when I took out the car on XX/XX/XXXX for the full balance of the rental contract ( car + insurance + tax ). As I've explained in great detail, the additional {$930.00} I was charged after I returned the car and left XXXX was -- per the closing invoice that XXXX provided to Chase during the original dispute -- for an additional service called " Delivery. '' Therefore, this charge for {$930.00} is not a double billing -- it is for an additional service that I never ordered, received, and is not in the rental contract, as I've explained to Chase over and over and over. However, in keeping with this theme of total negligence on the part of Chase 's Dispute Resolution department, they have now submitted an additional and separate dispute with XXXX on my behalf for this {$980.00} charge as a " double billing, '' when it clearly is NOT a double billing. It is unacceptable that Chase 's only explanation to my CFPB complaint is to tell me they have opened up another dispute for another transaction under the incorrect reason code of double billing while leaving out to me XXXX 's verbal admission of negligence on Chase 's part regarding the Dispute Department 's failure to transfer my case to the compliance department for review before the 59 day deadline. All of my conversations with XXXX were on recorded lines, so I encourage Chase to review those conversations and then provide me a substantive response to how Chase will address the Dispute Department 's failure to transfer my dispute for {$930.00} I submitted on XX/XX/XXXX to the Compliance Department within the 59 day deadline. I am, once again, allowing this complaint to be published publicly on the CFBP 's website. | ||||||
| 05/01/2020 | Yes |
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| XXXX XXXX ( XXXX ) XXXX ( I speak XXXX, so my family assisted in writing this in english ) I am writing this letter to report concern with the handling of my account by JPMorgan Chase Bank after I reported fraudulent activity while on vacation. As of writing this letter, my issue is still unresolved and I am reaching out to the CFPB as a last hope and resort. Back in XXXX, my family and I were on vacation in the XXXX XXXX. On the morning of XX/XX/XXXX at around XXXX, I opened my Chase checking account ending in XXXX to find that there were two payments pending through XXXX with XXXX, one for {$1100.00} and another for {$740.00} totaling {$1900.00}. in the name of a person listed as XXXX XXXX. I do not know this person nor did I initiate any transaction with them. I believe this to be fraudulent activity as I should have had a total of {$8000.00}, but instead was short this {$1900.00} I immediately called contacted my Chase branch representative XXXX XXXX NMLS ID XXXX who works at the branch located XXXX XXXX, XXXX XXXX, NY, XXXX where I usually do business land she advised me to urgently contact and report the issue to the Claims department, and provided me their international number of ( XXXX ) XXXX. I then immediately called the number she provided and, using the services of a XXXX interpreter, explained the situation as best I could and asked to cancel all payments pending withdrawal from the account and gladly provided answers to every question the Claims department representative has asked me. That representative assured me that everything will be fine and that the money will be returned to me. He said he would close my accounts for the duration of the investigation, but they would not cancel the transaction like I had requested because they wanted to see where the money would go explaining that this was necessary for the investigation. If it were my preference, I would have liked Chase to cancel the transaction right away like I had asked, but the representative did not pose it as an option. The representative advised me that when the investigation completed, I would receive a letter with the results and further advised that when I arrived home in XXXX XXXX, I should contact my same branch to open a new account. I do not recall the name of the representative I spoke with, but I do believe they stated at the beginning that all the calls are recorded and a record should be available. The time of the call was between XXXX and XXXX dominican time on XX/XX/XXXX. As instructed by Chase, when I arrived back in XXXX XXXX, I opened a new account on XX/XX/XXXX at the same branch. I was again assisted by XXXX XXXX NMLS ID XXXX opened a new account ending in XXXX and then transferred the full amount of {$8000.00} When I asked her about the removal of the transactions from my old account, they said that the amount of {$1900.00} was still pending and had not left the account and that it was also being reviewed by another department and there was nothing more that they could do. The morning of the XXXX I went to the branch because none of my personal accounts were showing on my app. While I was at the branch, XXXX had advised me the funds in the old account had been released. I waited to see when my accounts would show on my app, but after days of no resolution, I called in on XX/XX/XXXX. On XX/XX/XXXX, I called into the chase call center, as the branches were now closed due to covid. The agent who assisted me was able to fix my issue and it was then that I saw my old personal account was now negative {$1900.00}. As told by the agent I first spoke with when I called the issue, I assumed that this would be dealt with, as by that time, I had not heard any update and wanted to wait for the investigation to finish. I called on XX/XX/XXXX to inquire about my stimulus funds as they were going to be deposited into my old account, which now had a negative balance. They advised me that the stimulus funds would be moved to the new account, but they then also advised that the investigation was closed and it was not in my favor and that I owed the {$1900.00}. I was told to call the claims department at XXXX I was able to reach this number only on XXXX, due to the congestion of the line, I spent the whole day on the phone. For an hour and a half, I talked with a Bank Representative, who said her name was XXXX but refused to provide me with her last name or any ID. For this call and the call on XX/XX/XXXX, I used the same XXXX interpreter XXXX. She was kind enough to give me her ID : XXXX. XXXX said that the investigation was completed not in my favor, because they do not see anyone entering my online bank from another device and can help me no more, and gave me XXXX phone and advised me to call them for more details. I called them, but they redirected me back to the Chase bank, as they do not have access to my bank account. The connected me back with the Chase and disconnected the call. To date, my old account with Chase bank ( last four digits XXXX XXXX has a negative balance - {$1800.00} and the bank does not want to resume the investigation, blaming me for the debt to the bank, despite my requests to investigate and cancel the transaction 9 days before the funds left the account. I asked Chase to cancel the transaction 9 DAYS before they released the funds anyway. Believing that Chase would need nothing more to assist, I looked up the phone number that was linked to the XXXX transaction and it said XXXX XXXX who I dont know and listed his number as XXXX. Determined to understand what happened, I reached out to this number on XX/XX/XXXX via text message and XXXX responded. XXXX informed that he did receive the funds, but tried to return it to XXXX XXXX the day it arrived in XXXX, stating that it was fraudulent, however, XXXX XXXX refused to reverse the transaction and declared they found no activity of fraud. XXXX then went on to explain how he was reached out to by a company to assist with a money request to test an app. He believes this party to be the source of the fraudulent activity. They then advised him he was supposed to send the funds to another account, which is what happens commonly in money laundering schemes. He has provided me screen shots of the email exchange and can show his response via text acknowledging fraud on his end. In this scenario, both banks were told of fraudulent activity on the same transaction, and XXXX XXXX even refused to reverse the transaction from XXXX side, which would have resulted in the funds returning to me. Upon looking online, I found numerous articles of XXXX related fraud nearly identical to my situation. I implore the CFPB to look into this issue. I consider the banks behavior to be unjustified and irresponsible., especially at this time when the consequences of COVID-19 force me to use all the money I have accumulated to support my family because of a temporary loss of work, and instead of help from the bank, I see only inaction and indifference. I dont know what else to do. The {$1900.00} is now a negative amount and Chase is threatening to send it to a collections agency. I really need someone to advocate for me. I am asking the CFPB for help on this matter. Sincerely, XXXX XXXX | ||||||
| 12/21/2018 | Yes |
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Web | Servicemember |
| The events in which I will describe are banking practices that are inconceivable in the year XX/XX/2018. I assure to whomever investigates this, I have exhausted all options and methods to resolve this case before presenting it to the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/2018, I deposited a check into my J.P. Morgan Chase Bank, ( hereafter referred to as Chase ) checking account. This is an account in which I hold jointly with my fiance, a 10 year employee of XXXX. The amount of this check was {$8000.00}, and the Payor was my mothers husband, an account in which he holds jointly with my biological mother. Noteworthy, is the fact that this was a typical personal check with all identifying information listed, to include their home address. The method in which this check was deposited was via the Chase mobile app. On XX/XX/2018, the {$8000.00} check cleared my mothers banking institution without issue and the funds were transferred to Chase. Throughout the next two weeks, I began remodeling a rental property I own. In need of paying a contractor, I went to a Chase branch to obtain a cashiers check. The branch teller proceeded to tell me that she knew nothing of an {$8000.00} deposit and I barely had enough funds to meet the required withdrawal. Subsequently, I made contact with my fiance, and explained the above incident. As the account is held jointly, she made an inquiry as to the status of the funds. At that time, the Chase representative informed her the account was closed due to suspicion of fraud. The representative informed her that the remaining funds within the account would be mailed to our home, but the {$8000.00} would be held until Chase spoke with the Payor. Furthermore, the representative informed my fiance that it was the decision of Chase to end our business relationship and our checking account would be closed. Notably, at that time, within the Chase banking system I had ( 2 ) checking accounts, ( 1 ) savings account, and ( 1 ) investment account ; totaling over {$79000.00}. Also included was a Chase a credit card. It will become obvious to anyone who looks further into this complaint that Chase was obviously NOT THAT SERIOUS about ending our business relationship, since at the current date of this complaint only the aforementioned checking account was closed. Additionally, my fiance ( still employed with XXXX ), has Chase directly deposit her salary into her personal accounts ; of which are still in tact. On XX/XX/2018, my fiance made a follow-up call to a Chase representative regarding this incident. The representative would only state that the amount of {$1300.00} ( the remaining balance of our checking account ) would be sent our home address, but the {$8000.00} in question would be held by Chase. Following this conversation, my wife filed a complaint with the Chase Executive Team, the highest level in which a complaint can be filed within the Chase banking system. On XX/XX/2018, my fiance again spoke with a representative of Chase inquiring about the status of the {$8000.00}. At that time, the representative stated that Chase would not release the amount until evidence was obtained that the check cleared the Payors account. My fiance than asked to speak with a supervisor. The supervisor then paraphrased what the original representative said. Following this conversation, my fiance filed a second complaint with the Chase Executive Team. A representative from the Chase Executive Team, advised her that it was policy to withhold the proceeds of the check until evidence was obtained that the check cleared the Payors account. Note : This was 55 days or 8 weeks since the check cleared the Payors account. It was clearly obvious that after two months, I was dealing with complete XXXX. My question to Chase was : You acknowledge {$8000.00} from a cashed check is being held, but you want evidence as to if the check cleared the Payors account? If the check didnt clear then obviously there would be no transfer of funds to Chase. Secondly, it was more than obvious at that point, that Chase did not feel it was a priority for their fraud department to pick up a telephone and contact the fraud department at my mothers banking institution. I guess some billion dollar companies like Chase still dont have access to things like the internet, US Mail, or even telephone systems. But what is probably more of logical answer is that THEY KNOW THEY CAN GET AWAY WITH IT, WITHOUT REPERCUSSION and simply say Sorr-y our fault! This scenario is about as easy as it gets to resolve. Speak with the Payors bank!!!!!! On XX/XX/2018, my fiance again spoke with a representative of Chase inquiring about the status of the {$8000.00}. During this conversation, my fiance asked the representative, Why dont you just send the money back to my mother-in-law? At that time the Chase representative ended the conversation by stating, No. On XX/XX/2018, my fiance was called by Chase Global Security during regular business hours, while performing her managerial duties at a Chase branch. The Security Investigators then questioned my fiance at length about the {$8000.00} transaction. After explaining the aforementioned details about the incident, the investigators ended the call without providing a resolution, but stated, theyll see what they can do to recover the funds. As of the date of this complaint, XX/XX/2018, no resolution has been made to provide me the owed proceeds of the {$8000.00} transaction. I guess that is how Chase really operates theyll see what they can do. Absolutely sickening! In summary, this incident has lasted a total of 116 days to date or if you prefer 16 weeks. During this time, Chase has had ample time to research this transaction to its fullest extent. But, is there research taking place? Is there an investigation on-going? My funds have been deprived from me for 16 weeks, and I have received ( 1 ) piece of communication from the bank : a form letter explaining that my account was closed. Since Chase fully admits they will not relinquish the money to me nor my mothers account, for all intents and purposes this money has been seized by a private company who has no authority to do so. Thats pretty convenient to do when no letters are provided to either the Payor or Payee, and they dont initiate communication. Who knows someone from Chase is probably saying, Well wait them out, eventually theyll stop calling and forget about the money. And finally, there is no coincidence that my current credit bills are commensurate with the {$8000.00} amount in question. Instead of being able to use liquid cash I am now in debt. But, debt comes with a price when interest payments are involved. But, who pays for that? Me, me, and me. After everything is said and done with this complaint, Chase will say, Ah, Sorr-y our fault. But, Ill be stuck with hundreds of dollars in credit card interest payments. For what? Because J.P. Morgan Chase Bank doesnt understand how to do there job correctly, because they fail at doing their job correctly? I am happy to file this complaint and would like it publicized for any and all to read. If this atrocious situation could happened to me, its happened or happening to others. | ||||||
| 11/17/2021 | Yes |
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| Summary : Fraud claim only partially resolved - missing $ XXXX fraudulently withdrawn money Link to the full complaint for ease of readability :XX/XX/XXXX XXXX? XX/XX/XXXXI was the victim of an identity theft with $ XXXX stolen. Thieves gain access to my online Chase profile and did the following on XX/XX/XXXX : a. performed an online transfer to a newly created fraudulentXX/XX/XXXX checking account in the amount of $ XXXX and withdrew money from that fraudulent account I dont have access to ( fraudulent account ending in XXXX ) XXXX Thieves also withdrew $ XXXX via three fraudulent debit ATM transactions ( $ XXXX, $ XXXX, $ XXXX ) made via a fraudulently ordered debit card ( my own checking account ending in XXXX ) Status as communicated by Chase XXXX I filed both claims A and B under one fraud declaration which was partially resolved and Im missing $ XXXX for Claim B. When inquiring Chase fraud team, they closed the case by only partially refunding the funds stolen by resolving claim A with a $ XXXX refund. Claim B of $ XXXX has not been investigated properly by the identity theft team who it appears received both claims but only resolved claim A. The Identity thief department should have passed on the declared unauthorized ATM transactions to the debit card fraud department for further investigation on claim B. Reason invoked by Chase Fraud Identity Thief team is that claim B is invalid as these transactions are coming from my regular therefore legit checking account. According to first investigation, these other declared transactions come your current checking account are legit as they are coming from your current checking account. The reality is that the thieves accessed my online account and operated from my checking account as well. -> I have proof that these transactions were made from a new debit card fraudulently ordered and sent to a postal address in XXXX which is not my home. On XX/XX/XXXX ( day of the withdrawal ), I was at home working while these unauthorized transactions were performed somewhere else. I can provide proof that I was physically working from home with work meetings and these transactions are fraudulent. I formally asking Chase to look at this again. History : XX/XX/XXXX : Fraud team called me notifying me of these large amount unauthorized transactions. The day it happened, I immediately went to a branch to report the fraud. The private Client Banker under the name of XXXX XXXX XXXX XXXX ) helped me trace all fraud transactions including a newly created checking account which I did have access to. I reported to the police ALL claims A and B on XX/XX/17. I called Fraud department team asking for clarification on the declaration process : incorrect information was provided to me : FULL police report needs to be attached to a fraud declaration. I waited for the police to send me the report until I learned that a police report doesnt get sent : it is only filed but can not be mailed and shared in full to the filler for security reasons. XX/XX/XXXX : I called again the fraud team sharing this info, Ive given a new piece of information from another customer rep which is that in fact only the police report ID needs to be provided in the fraud declaration. This miscommunication made me waste a couple of precious days in filing this claim. I immediately went back to the branch and filed with client banker XXXX XXXX XXXX a declaration for all fraudulent transactions with an affidavit, clear explanation of all fraudulent transactions ( claim A & B ) and the police report ID ( which has all transactions ). Attached is the screenshot of XXXX computer providing the fax report ID to prove that I filed this from Chases branch for the day of this declaration was filed. XX/XX/XXXX : FraudulentXX/XX/XXXX checking account was closed and no communication was sent back to me by any Chase team about the investigation until I noticed 10K refunded on my checking account. I immediately filed again an escalation with branch manager XXXX XXXX XXXX to get the remaining XXXX fraudulent ATM transactions of $ XXXX refunded. XX/XX/XXXX : again no communication sent by Chase Fraud team other than a letter sent to my online account on that day. Claim rejected claiming that the declaration has been filed outside of the XXXX days allowed timeline from the day of the unauthorized transaction. First it appears that the claim was sent to yet again the wrong department as its been received by the fraudulent check team even though these are fraudulent debit card withdrawals. Second they didnt event looked at the previously filed claim as we specifically requested. I suspect Chase fraud only looks at one account ID at a time while in my case thieves stole from multiple accounts ( details attached ). I immediately requested with private banker XXXX to reinstate claiming that a previous declaration was already filed on XX/XX/XXXX ( filed within the allowed timeline despite the delay caused by the miscommunication about the Police report needed to be provided in full ). XXXX XXXX Chase Fraud requested to speak with me- turns out they wanted to make sure I wanted to reinstate the escalation. Another bureaucratic time waste which delayed for yet a couple more days to initiate this investigation. XXXX XXXX : case rejected claiming that this was filed outside of acceptable timeline. During all this time, both private banker XXXX and myself had multiple phone conversations with Fraud departments. XXXX called about XXXX times fraud departments re-explaining the case. I called XXXX times spending on average XXXX hours with a consistent rejection of either XX/XX/XXXXand myselfs formal request to reinstate the very first claim from XXXX. Conversations on the phone with XXXX team were unproductive for various reasons : bureaucratic loopholes betweens departments Identity theft vs fraudulent checks ( customer representatives not able to access files from different departments ), fraud teams mixing account numbers claiming it was incorrectly filed ( thieves stole money from two accounts ), incorrect information provided by fraud customer representatives e.g : fraud manager claiming I havent filed case on time, case filed to the wrong department is my fault ( although these are not fraudulent checks but debit card transactions ). On two occasions the fraud customer representatives hung up on me. Net net everyone XXXX and I talked to at the fraud department refused to grant our request to have fraud B. re-investigated by the appropriate team. Private Banker XXXX can vouch for my good will in providing all details right on time with all evidence the very same day this fraud happened. I have attached in this claim all statements including : - policy report - screenshot of the fax ID of the initial claim I filed in the acceptable timeframe - copy of the fraudulent debit card mailed to another location which is NOT my home - bank statements highlighting the ATM fraudulent transactions of 7K, 7K and 3K which Im asking refund for ( account ending in XXXX ) - copies of the XXXX ewithdrawals from account XXXX - bank statement of the $ XXXX transferred ( attached for reference as this has already been refunded by chase - account ending in XXXX ) | ||||||
| 09/19/2023 | Yes |
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Web | Older American |
| Timeline XXXX XXXX, XXXX I wrote a check payable to the US Treasury/IRS in the amount of {$28000.00} for a federal tax payment. I placed the check inside a stamped security envelope and placed the envelope in the USPS mailbox in front of XXXX XXXX XXXX, FL post office at approximately XXXX XXXX. I made a copy of the check and the payment receipt before they were placed in the envelope. XX/XX/XXXX XXXX to me, the aforementioned check that I wrote payable to the US Treasury/IRS for the amount of {$28000.00}, was stolen, altered, and presented for payment to a XXXX XXXX XXXXXXXX individual account holder. The check was altered by changing the payee name and memo notations. Portions of the Pay To The Order Of line were erased when the check was washed. Chase bank erroneously deducts the {$28000.00} amount from my account in payment of the altered fraudulent check. The {$28000.00} amount leaving my account does not alarm me as I was expecting the IRS to cash the check. XX/XX/XXXX A second fraudulent check in the amount of {$25000.00}, payable from my checking account, is deposited at XXXX XXXX XXXXXXXX. This check is not the same design as my personal checks. It appears new checks were created with my personal and checking account information. It further appears my signature was scanned from the original IRS check and imprinted on this second check, although the penmanship detailing the payee, {$25000.00} amount, and notations is clearly not mine. According to my Chase bank account records, Chase pays this check despite the check being of a different design as my checks. XX/XX/XXXX I receive a low balance notice message on my phone. I reviewed my account records on my phone and noted that the last transaction was a check for {$25000.00}. I viewed the check and immediately determined it was fraudulent. XX/XX/XXXX XXXX XXXX I immediately called Chase bank to report this, froze my checking account, and made the claim for the {$25000.00} amount. I then went online to examine my banking records, and within the hour, I discovered the first fraudulent altered check for {$28000.00}. I called Chase bank again to make a claim for the {$28000.00} amount. XX/XX/XXXX XXXX XXXX I went in person to my Chase Bank branch at XXXX PM, and with the assistance of a Private Client Banker, prepared and filed all required documents for both claims seeking reimbursement. I provided copies of the original US Treasury/ IRS check and the two fraudulent checks. XX/XX/XXXX- I went in person to my local police station and filed a police report. Within the next week or so, I filed a second police report in the town where the check was presumed stolen. XX/XX/XXXX The amount of the second fraudulent check ( {$25000.00} ) was redeposited into my checking account as a reversal. XX/XX/XXXX Chase Bank closed the checking account on which the fraudulent checks had been paid, and opened a new joint checking account. XX/XX/XXXX I received correspondence by mail from Chase bank dated XX/XX/XXXX acknowledging my claim and requesting further information on my claim. This requested information had, in fact, been provided the previous day on my visit to the branch. Thus, I enquired with branch personnel to see if I was required to resubmit the information already provided and she informed me that Chase had submitted all of the information and documents I provided the previous day. XX/XX/XXXX I received correspondence dated XX/XX/XXXX informing me the second check for {$25000.00} had been returned as not paid from my account. XX/XX/XXXX I filed a report ( form filed over internet ) with the US Postal Inspection Service as it is presumed the check was stolen from the US mail postal box . XX/XX/XXXX I received correspondence from Chase bank dated XX/XX/XXXX in regards to the second fraudulent check in the amount of {$25000.00}. The letter stated Chase was denying my claim for this amount as it had not been charged to the account. This did not concern me as the amount had been returned to my account. XX/XX/XXXX I received correspondence dated XX/XX/XXXX from Chase Bank requesting further information on the {$28000.00} claim. The requested information was the exact same information I had submitted with the branch on XX/XX/XXXX. This correspondence also included a reference of my initial claim dated as of XX/XX/XXXX. I called the branch to discuss this, and she informed me that all information had been submitted and she would follow up to make certain the fraud department was aware of that. XX/XX/XXXX I received correspondence from Chase bank dated XX/XX/XXXX informing me that the bank that accepted the altered check for deposit, XXXX XXXX XXXX, was responsible for repayment. Chase wrote that they initiated a claim on my behalf, and it would take 90 days or more to resolve. XX/XX/XXXX I filed a complaint with the Office of the Comptroller of the Currency. The next day I received an email informing they had received my complaint and were reviewing it. XX/XX/XXXX I sent a demand letter to XXXX XXXX, General Counsel and XXXX XXXX, Associate General Counsel Retail Branch Litigation demanding repayment of the {$28000.00} amount and detailing the facts of the complaint and supporting documentation. I sent the letter by certified mail and also by email. The XXXX letter sent by email bounced back to me. I also emailed the demand letters to the JP Morgan Chase branch manager and requested it be sent thru his chain of reporting. He replied affirmatively that he had received it and did also forward it to his management. XX/XX/XXXX I received a call from Chase executive office that they had received my demand letter and the OCC complaint and they are in the process of preparing a reply letter. Despite providing a reply they will not be reimbursing my account for the {$28000.00} until they receive compensation from the bank of first deposit XXXX XXXX XXXX XXXX ). XX/XX/XXXX I called the Chase claims department and while not requested I was put thru to the escalation personnel. I again told the person on the line my fact pattern as of above as they added this as notes to the file. There is no update to the status as they are awaiting a reply from XXXX XXXX XXXX as the bank of first deposit. XX/XX/XXXX I filed a complaint with the Consumer Financial Protection Bureau. *Over the ensuing XXXX months I have pursued my claim against Chase by requesting updates from XXXX XXXX and Branch XXXX, XXXX XXXX XXXX My claim was escalated to the executive office. Chase bank has informed me they are pursuing the claim against XXXX XXXX XXXX ( where the fraudulent check was deposited ), but to date, my money has not been returned to me. as of today. In addition to the {$28000.00} amount of the fraudulent check, I have lost interest income over the ensuing ten months. Accordingly, I am seeking the immediate return of my {$28000.00} plus interest income. *Note : There has been no further communication from either police department or the US postal inspector. I am unaware of any of these law enforcement agencies taking a single action to investigate this case. * I have further email correspondence with the bank and their personnel which I have not included above. | ||||||
| 11/10/2023 | Yes |
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| I applied for a loan on line, I went thru every possible thing to, Taking names phone number and they even went so far as too transfer me to a loan office manager and that they were a legit certified loan company.. I never signed or the loan agreement and I have them still showing I never signed and or sent them back. The XXXX $ loan was to be deposited into my account directly and it wasn't till couple days after I provided that info. And after I didn't around mid evening, I started getting Fraud alert sent to my phone... I called Chase Bank and a lady named I believe XXXX, I don't have the phone service I changed just recently because of the month fraud out my account, I lost my car XXXX XXXX XXXX manager signed letting my car finance company XXXX XXXX know that the process takes 90 days for these payments to be put back, That never happened I just got a lie to and completely ran around to point that I'd call the bank and they wouldn't answer. I lost my car I never missed any payments even during covid. I was devastated and got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still happing I got evicted from my place I had one bed room and my housing placed said that my checks bounced.. I never paid with a check I paid cashier check from my bank and then after Money orders then they changed to payments online and I got XXXX cards that XXXX $ Was used off the cards not by me just gone and when I call the back the cards and reporting this so that they can see what happened to my money They emailed and said then pin was used and the money on my 4 cards was gone..I still have the package, receipt and the Cards that clearly show no pin was scratched off and used the card said XXXX on all of XXXX I wanted further investigation done and nothing was done on that ALSO..So I'm out of my rent payment Car and bills and I did pay up one month of my rent.. they was letting me pay because at this point I was a basket case my money gone, car gone and Now I'm homeless sleeping in a car my credit is beyond repair and I can not even get a loan at all and I've lost everything, I was told by the court and the hearing judge I would get 10 days get my stuff and move before the door got posted XXXX notice..Well I got 4 days because the owner at my housing went printed a paper and had. Courts sign paper even faster and I did not receive 10days..At that time I was in Medical leave from my Job and out money just really falling apart, No help from anyone and my GM at my Job Now has made up write ups and gave me a very bad reference to the XXXX XXXX XXXX XXXX I was trying to transfer to in XXXX FL where I had to relocate so that I had place and that fell thru and I'm now still Coming up on a month living in a car and I'm XXXX yrs old, well if I make to XXXX .my bday XX/XX/XXXX .No help from my company that has what's called XXXX XXXX and it for family 's that work for XXXX that have tragic things happen and they will help, I was told by HR my GM manager has to submit the application, And he did nothing never even tried I was told after thinking he did because he lied and told me he would look into it see what can be done..And Now also this Same XXXX won't Transfer me be cause I show these write ups.. Also after looking into another employee that had XXXX write ups Because her going to work late or excessive call outs.. I come to find out He approved a transfer for her with write ups .But refused mine..And all I'm told is by HR That their is no guarantee that I can be transferred, But I spoke to the GM at the XXXX XXXX I was trying to transfer too. And he did have work and all my GM had to do was put in my transfer, and I would come in and talk n get a schedule..My GM at my Home restaurant in XXXX XXXX XXXX XXXX called the XXXX XXXX here in XXXX and His name XXXX XXXX and told this XXXX that I have a called out a lot.. Ok I'm under so much stress no help hours cut to nothing I go from being A full time XXXX XXXX to work XXXX maybe XXXX shifts not making enough to pay anything treating me like I'm a new server and giving me small section and not setting me.I was just being kick down and because all the I'm homeless I lost everything thing in matter of months.. Took a leave from my job a Medical leave and that was denied after walking to doctor appointments in the rain heat.. And stress was over bearing at this point.. And I'm still now have no money and I live in mXXXX XXXX XXXX XXXX truck or id be in the Street.. I have went from having a XXXX $ a week job to nothing and XXXX less at this point.. I need to know how a bank a Job can just do nothing and treat me like im the bad guy..And just turn my whole life to nothing..And now because all the evictions. I can't even get a loan can't get a car Nothing I have no one that help.. my family. Well they have their own lives.. and my mom XXXX yrs old and can't answer her phone l. So I can ask her if she could just get me a loan something..Ive called here in the area I had no choice but to come too. To be told there is no help NONE. I've worked my whole damn life to have no help and I'm told over and over Sorry but here free food .How I cook that?? I don't have a place..Oh well here they give my can food and things I eat COLD!! I want justice for what I've lost and everything I have worked for my whole life.. I want help.. I need help not kicked around now by this XXXX XXXX government that don't do XXXX for the XXXX of the XXXX help other countries..What is the world coming too??? Complete poverty a recession and XXXX in the streets living in tents.. Homeless ppl I've come too know now, that fought for the freedom of our country that's homeless.. It's a XXXX Shame. Iderly ppl homeless why? Cause our Government XXXX and don't care about their own people. I will pray that XXXX Some way brings some good to this world, And all the rich how about they become homeless loss all their riches and come live in a truck and lose everything they have, my name is XXXX XXXX ..My phone number is XXXX Please if there is a person that can help me get my money and well my car gone ..but I want things off my credit, points and put back that I can get a place and not be told because my situation that can't help me..I swear I will find justice, And we are to be protected and our money and banks are not protecting our money. Chase Bank I went to them Because of they were to be best bank.. and hear all I see is how People Who Have Chase Are being Scammed and money gone.. and they are doing NOTHING AT ALL ..JUST PRESENTING LIES TILL ALL OUR STUFF IS JUST TAKING AWAY... My money I worked for gone! XXXX cards money stolen.. I'm done letting all this be sweeped under a rug and stepped on and getting no help at all.. Thank you for you time.. I hope someone reads this and I can get the help I have been seeking.. I've even tried to contact, '' '' 8 on our side ' '' Nothing back from them also..I 'm just disappointed in this so call life I've lived I'm a shame to say I live in this Country. Prayers please if we don't change. There's only gon na be more and. more what my XXXX going to have ..By time they become adults, will be a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX!! how XXXX yrs of my life I work to have gone.. | ||||||
| 12/31/2021 | Yes |
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Web | |
| To Whom It May Concern : As a result of a number of circumstances that were exacerbated by the pandemic and my lack of employment since XX/XX/XXXX, I became unable to continue making monthly payments to my creditors, Chase Bank, JP Morgan Chase included. I exhausted their " Covid relief '' offer which allowed me to skip several monthly payments during which time ( and beyond ) 17 % + interest continued to accrue. Prior to the pandemic, I was working to create a self-employed income stream but once things shut down, I lost the part-time jobs I had landed, and the festivals and in-person events that I was participating in ended. Because of that, Chase said I wasn't eligible for any of their interest or payment reducing programs and they transferred my call to their credit counseling division. I spoke to a woman at length, she confirmed what the previous debt counselor I'd consulted with ( prior to stopping my payments to creditors ) said ( I'm bankrupt-At this point my parents are buying me grocery store gift cards so I eat ) and she said she would email me some information and resources, which never happened. Since that conversation, I've kept communicating with Chase Bank in writing. I've informed them of my continued inability to pay, and that I remain unemployed ( the job market isn't strong in XXXX and things are still at limited capacity ). I can't tell you how many phone calls I've received per day, per hour from someone claiming to represent Chase bank but they would never write me, though I requested written documentation of their plans and the balance owed. When I took the calls, it was always someone calling from XXXX on a scratchy, faint phone line claiming to be from Chase bank. At first, I thought it was a scam. We're in the middle of a pandemic that has put many people out of work ( women especially ) and I couldn't imagine that Chase Bank would hire people from XXXX to collect against jobless American 's but I think they did. I told the man if he really represents Chase Bank ( a guy calls me, says he's from Chase Bank then tells me to verify my information to him ), to tell them to respond to my letters in writing so I have a record of the conversation. That has never happened. I have written them, sent letters with tracking, etc. Each time I ask that they reply in writing. A phone conversation can't be proven, saved, or referred to by anyone except the big corporation with the recording ability. As a consumer, it is only fair that things are put in writing so that you may review and absorb the situation. The website is also one-sided. They sometimes remove messaging features, and getting into the message section is not always direct. At any rate, they have never written me back -- -not once. Then last night at XXXX XXXX, a bald, loud man, not wearing a face mask came banging on my front door. I live in a crime-filled city with criminals in the complex and nearby every day ( package thieves, 4 cars have had their windows smashed out in the parking lot in the past 3-weeks, homeless camps, violent situations, shootings, etc. ) I asked who he was through the door and he yelled my name and that he was suing me on behalf of Chase Bank. I told him to leave and only after I said I was calling security did he but he left a correspondence ( attached ) which states they've filed a lawsuit and would automatically win if I don't defend the complaint and appear within thirty days of service, which I was never officially served anything. The date on the document they left is XX/XX/XXXX and the man was here last night, XX/XX/XXXX. Further, it says I have to pay filing fees and get an attorney, I can't buy food. I'm on public healthcare and broadband. I am applying for help with my utility bills between jobs. How can I come up with the money for filing fees and figure out how to defend myself? Incidentally, I initially owed {$28000.00} to Chase Bank, they have increased this amount to {$33000.00}! I don't know how this can be legal. They have never written me warning that they were going to sue me and then they send some scary man yelling at my door late at night and the documents he left on the porch are dated for weeks prior! I realize I owed them money and that I am to blame for much of this, but they made a lot of money for a long time from me. I made monthly payments with my retirement money which cost me a 40 % tax rate to keep up their $ 700 monthly minimums which only increased my balances. I informed Chase that also I owed money to the IRS and until I could settle/pay them I was not allowed to continue paying creditors. I wrote repeatedly and have tracking information but they wrote once until last night. I've lost so much over the past couple of years. I once prided myself on having impeccable credit, but these circumstances were beyond my control. I didn't even get economic stimulus money until XXXX, and I was one of the people who waited over 9-months to receive unemployment, and it was {$1600.00} per month -- I didn't have money to pay them and I still don't. My most recent communication with Chase Bank was : XX/XX/XXXX : To Whom It May Concern : I apologize for my continued inability to pay my credit card bill. I remain unemployed, with no income or money. In addition to what I owe you, I am in debt to the IRS and multiple other creditors. I would appreciate it if you could mail and email me my final account balancewhich I will not be able to pay. I need a record of the amount due for when I am able to. Sincerely, XXXX XXXX XXXX PRIOR CORRESPONDENCE SENT via Postal Annex Store XXXX, XXXX or XXXX. I use this location because I don't have a printer and they also do mailing. There is evidence of my receipts for purchasing the copies, sending the email to their store email account, and the shipping information. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This does not take into account the phone conversations we've had or the number of times I submitted correspondence to their message center/portal online. The mailing address I used for each letter was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail Code XXXX XXXXXXXX XXXX, DE XXXX I'm not denying the fact that I owe money but : 1 ) I was never informed of an impending lawsuit. Though I wrote them many times they didn't respond. 2 ) Sending an angry man to bang on my door at XXXXXXXX XXXX, to intimidate or humiliate me was frightening and I can't believe that is permitted. Why not just use the postal service with a signature receipt? 3 ) The date on the document he left on the ground outside my door is XX/XX/XXXX and it states I have 30-days to reply. I received this late last night XX/XX/XXXX and everyone knows it is a holiday weekend. The soonest I could even get help or talk to someone at the court would be XX/XX/XXXX and only if they're actually open ( a lot of things are closed or limited here ) and that would leave me only one week until, according to them, I would automatically lose the lawsuit. Is this true and legal and is the date for my summons/response really XX/XX/XXXX? How can such tactics be permitted? They have an enormous organization behind them and deep pockets, and I'm starving and just a regular person. | ||||||
| 07/21/2020 | Yes |
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Web | Older American |
| Last month, I became the victim of a very nasty and expensive loan-offer scam ; and Chase bank which should have born at least some responsibility for at least alerting me of highly unusual activity in my checking account, if not doing a few things, as a matter of course in such a situation, to interrupt the scammers in motion, but Chase did nothing ; I never heard a peep from them. The nature of this scam was that I had applied for a {$6000.00} consolidation loan, to pay off and close five credit cards, in which I was having difficulty not charging more than I could pay each month ; I needed to close these accounts, and not have all these credit cards in my pocket all the time. But the lender who offered the best deal, a 10 % loan due to Covid 19 relief, they claimed. However, they required me to give them access to my online banking username and password for 24 hours ; they would be placing money in my account, and I had to draw it out and send it back to them, as part of their validation process, they said. I only had {$62.00} in my checking account ; how much " at risk '' could I be, if I granted this, and then changed my password the next day, right? Well, it turns out that any customer can dispute any payment made, or even any withdrawal made, from their checking account, even by the droves, and even 15 transactions all at once over a couple of days, regardless of how negative that takes the account balance to, assuming all of the disputed transactions were found to have instead have been legitimate ; which was the case here. Now, I realize that a bank 's requirements for proof of identity can be phonied up ; all a scammer would need is access to your various components of identification ; which this scam company required as well ; a copy of my debit card, my Driver 's license, my Social Security number. I have historically given this kind of information out many times during the last 50 years of my adult lifetime, when applying for loans ; so in effect, it is not the bank 's fault, if I was stupid enough to give out these tenets of my identity along with my username and password, even temporarily. However, especially because of this, in this day and age, with all of the identity theft and scams going on, a large bank such as Chase, should have consumer protections in place that automatically trigger personal contact with the account holder, whenever there is any unusual or suspect transactions taking place of any magnitude ; certainly when multiple disputes are lodged basically all at once, from the supposed customer ; they should reach out, to make sure it is the actual customer making these disputes, as opposed to some imposter. Chase could have emailed me to verify whether it was me disputing these payments that had been called back into my account pending an investigation. They could have had a limit of 1 disputed transaction per week, perhaps ; unless the customer otherwise met personally with a bank officer that knows the customer ; they could have listed in the memo next to the amount in my transactions list, " Customer payment taken back, '' or forfeited or rescinded ; ( " Adjustment reversal '' is just too vague of a term ) -They also could have called me on the phone to ask me if I really think that multiple payments, like I had been making every month to these credit card companies all year, were suddenly to be disputed? ; the fact is, they did nothing to interrupt, or even question this scam payment-reversal process, or do anything that might raise any suspicion on my part. The upshot is that the aggregate of these payments reversed from my credit card companies raised my credit card balances by {$4100.00} ; and then the scammers even disputed that it was me taking this money out at the ATM to send to them ; that added another {$800.00} of temporary increase in my checking account balance ; which I unknowingly assumed was the lender 's money being put into my account, that I needed to send back to them, as part of their loan validation process. By the way, Chase took that {$800.00} out of my {$1300.00} Social Security deposit last month, the day it hit ( XX/XX/XXXX ). I just can't understand how, when I can't spend even one more dollar than my credit limit on these credit cards, and I can not withdraw one penny more than what is in my checking account ; yet with these reversals, the credit card companies allowed money to flow out from them which took my balance owed, way over the credit limits on these cards ( Don't you think the credit card companies should not be allowed to reverse any part of the customer 's payments they had received, that would make this credit card holder 's balance to go beyond the credit limit in their account?! I certainly do! ) -But not being contacted in any way by either Chase Bank or the credit card companies, to check on these numerous disputes suddenly being made all at once ; and yet for multiple payments I had made even 3 months earlier ; and I also think the only part of the full memo I saw next to these drawbacks of my payments, was the word Adjustment, or maybe Adjustment Rev ; but even Adjustment Reversal doesn't unquestionably send the message, like for example : Cust Paymnt Returned, or Cust Credit Card Bal . Raised, or CC Payment Refunded might even be better. -But when you add all of these factors up, boy, is this the opposite of consumer protection! At this point, I am most interested in seeing that this can not happen to anyone else. It seems absolutely imperative that this standard operational procedure, regarding disputed transactions, must change violently and immediately! If I had the money, I would sue the pants off of Chase, and I think I have a damned good case, at that. -So please, as the state regulator, help banks and their customers to be both become less vulnerable, by putting a mechanism in place that stipulates that no more can be withdrawn from a checking account than its current balance ; and that payment reversals may not be withdrawn from a checking account until after the investigation is complete ; and also require banks to notify the customer personally, or by email any time multiple unusual transactions have taken place ; or else be liable to eat the losses that have accrued since this notification unquestionably should have gone out to the customer. In addition, when I looked at my transaction history just prior to my account being placed on restriction, I noticed that whereas, my computer runs on XXXX XXXX, and is the only device I use for online banking, a computer running on XXXX XXXX had carried out 13 transactions between XX/XX/XXXX and XXXX. This is yet another way the bank could have flagged unusual activity and alerted me to it. I hope this story might lead to some tightening-up type of changes in Chase Bank 's " transaction memo '' wording, and a few other new safeguards that might be developed in order to intervene more effectively, in such scam activity which customers such as myself are subjected to unwittingly, all too often these days, I'm sure. I would appreciate it if you would let me know what is being done in this regard. Thank you for your attention to this matter. | ||||||
| 07/29/2018 | Yes |
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| ( The following is also attached in a text file. ) SUMMARY : 1. I booked 2 moving services off a website that XXXX recommended. 2. This website used a third-party company to complete the 2 jobs. 3. The third-party company charged me more than agreed-upon for the 2 jobs 4. The website agrees ( in writing ) that I was overcharged. 5. Third-party company will not refund me the difference. 6. Chase Credit Card billing dispute department has been unable to resolve the overcharges. Website = XXXX Third Party Company = XXXX XXXX ( appears on credit card as XXXX XXXX ) DETAILED DESCRIPTION : 1. In XX/XX/XXXX I moved from XXXX XXXX to XXXX. Using the online company XXXX, I hired people to load up the moving truck in XXXX XXXX and unload the moving truck in XXXX. XXXX offers third-party companies to complete their jobs. The third-party company I selected off the website is called XXXX XXXX, which appears on my credit card as XXXX XXXX . Job 1 : load a moving truck in New York. Move Date : XX/XX/XXXX Move Time : XXXX-XXXX Crew Size : 2 crew members Hours : 2 hours Job 2 : unload a moving truck in Massachusetts. Move Date : XX/XX/XXXX Move Time : XXXX-XXXX Crew Size : 2 crew members Hours : 2 hours XXXX has provided me with copies of confirmations of those bookings, which are attached as Attachment 1 - Confirmation of Bookings. As you can see, each of the two jobs cost {$210.00}. 2. Movers showed up and completed the jobs on XX/XX/XXXX and XX/XX/XXXX. 3. Upon review of my credit card statement, I noticed that I had four charges for these moving jobs : Four charges in the amounts of {$100.00}, {$100.00}, {$200.00}, {$200.00}. Total charges of {$600.00}. Please see Attachment 2 - {$600.00} total charges 4. I contacted XXXX and they agreed that I have been overcharged by {$180.00}. They attempted to contact the third-party moving company, XXXX XXXX. We scheduled a conference call with myself, XXXX, and XXXX XXXX to discuss the charges, however XXXX XXXX did not show up to the conference call. 5. Since XXXX did not actually charge my credit card, they could not offer me a refund for the amount overcharged. They were also unable to get a refund from the third-party company. They agreed that I should contact my credit card company to file a charge dispute. 6. On XX/XX/XXXX I called Chase to dispute the incorrect charges. The representative I spoke to was not sure how to handle the dispute because none of the charges are for the exact amounts that I had agreed to pay. She spoke with her supervisor and then suggested I dispute the two {$100.00} charges and leave the two {$200.00} charges since I had agreed to pay approximately {$200.00} for each moving job. Chase started the disputes and issued me two temporary credits of {$100.00} each. 7. On XX/XX/XXXX, I received a call from Chase saying that the moving company XXXX XXXX insists that the charges are valid. Chase said that they are reversing my two temporary credits. Since the charges are not valid, Chase suggested that I request for the dispute to be continued. 8. That same day, XX/XX/XXXX, I sent an email to XXXX detailing the entire story, and I attached the confirmation of charges document that XXXX provided. As instructed by Chase, I requested that they continue the disputes of the two {$100.00} charges. 9. On XX/XX/XXXX Chase sent me a letter saying that the merchant provided evidence that each charge was a unique sale and that the dispute is now closed. See Attachment 3 - XX/XX/XXXX letter from Chase. My reason for the dispute was NOT over an incorrect duplicate charge - my dispute is over the amount of the charges. The Chase representative failed to submit the dispute accurately. 10. On XX/XX/XXXX Chase sent me another letter saying that the merchant over billed me for only {$50.00} out of the {$100.00} charge. This makes absolutely no sense at all. See Attachment 4 - XX/XX/XXXX letter from Chase I looked at my Chase statement and was astonished to see an additional charge of {$50.00}! See Attachment 5 - {$650.00} total charges I have now been charged a total of {$650.00} when I should have been charged a total of {$420.00}. 11. On XX/XX/XXXX I called Chase again. I explained the story to a woman named XX/XX/XXXX, who transferred me to her supervisor, XXXX. After explaining it all again to XXXX, he insisted that all I could do was submit a complaint through Chases secure email system. He said I could not handle this with a person over the phone. The only thing I could do is keep repeating myself to Chase via email. That same day, I emailed all of the details to Chase again, this time via their secure email system on the customer portal. I attached all of the same attachments that you have here. 12. On XX/XX/XXXX Chase sent me a final letter saying that a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your account. See Attachment 6 - XX/XX/XXXX letter from Chase 13. It is now XX/XX/XXXX and I am submitting this case to the consumer protection agency, as Chase credit card has failed to resolve this dispute. One of roles of a credit card company is to protect you from unauthorized charges. I authorized this merchant to charge me a total of {$420.00} and instead, I have been charged a total of {$650.00}. As additional support for my case, please see this email from XXXX that was sent to Chase bank : from : Contact us XXXX to : XXXX XXXX XXXX cc : XXXX date : Mon, XX/XX/XXXX at XXXX XXXX subject : Re : overcharged for 2 moves As stated in previous communications with Ms. XXXX, she was only responsible to pay XXXX XXXX a total of {$420.00} for the services rendered. Due to the fact that XXXX collected payment from the customer directly the normal procedure at the time we are unable to issue a refund to Ms. XXXX. She is, however, due for a refund for any amounts processed on her card aside from the {$420.00}. We have opted to no longer work with this provider due to the situation that they have put Ms. XXXX through. We would like to assist you with whatever information is needed to process the funds that are owed to Ms. XXXX. Please advise us if there is something we can submit to assist with the settling of this matter. You may notify me by replying to this email, calling my personal office line at XXXX or email me directly at XXXX. Ms. XXXX, we would also recommend that this card be canceled and that your bank send you a new card. This would prevent XXXX from further processing any unauthorized transactions on your card. Again, we offer our sincere apologies for the situation you are facing and hope that your bank can assist you with getting this settled ASAP. Being that I too bank with Chase and have had nothing but positive experiences, I am confident they will get this taken care for you. We thank you for your patience and understanding. Regards, XXXX XXXX Director of Operations XXXX XXXX 14. I authorized this merchant to charge me a total of {$420.00} and instead, I have been charged a total of {$650.00}. A resolution to this problem requires a refund to my credit card in the amount of {$230.00}. | ||||||
| 09/26/2020 | Yes |
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Web | |
| XX/XX/XXXXXXXX : My wallet was stolen at XXXX XXXX in XXXX from a locker that was secured with a padlock. I reported it to the Front desk. I also asked the desk clerk if I could have a copy of the incident report about the stolen wallet and was told he cant give me one.I also told the man at the front desk that I am going to check my car first because usually I lock up my wallet in the car and the car key always stays with me when I work out. I did not have my phone with me at that time. I had to get it from my personal car. Back at the XXXX XXXX while I was talking to employees and asking them to call the police for me, I received a text message from XXXX XXXX at XXXX XXXX about a Charge of {$2700.00} at XXXX XXXX in XXXX, asking me if I made that purchase. I replied no, the card was declined and locked immediately. The man at the front desk asked me to show him the locker that was broken in. I was also asked to talk to a police officer after we came back from the locker room who an XXXX XXXX employee called on his personal cell phone. The police officer told me to go home and wait for the phone call of an officer, who visited my house on XX/XX/XXXX in the evening and to whom I made the first police report about the stolen wallet and fraudulent charge which I first noticed on my chase credit card account on my laptop at my house. The officer called me first on the phone. I had to answer him many questions before he arrived within 15 minutes at my house. The thief must have immediately used my chase credit card for the purchase of {$2700.00} right after the XXXX XXXX card was declined. XXXX XXXX closed at XXXX according to their business hours. Unfortunately I was not able to sign into my credit card and/or bank accounts on my phone to lock the cards, so I did not have account numbers and phone numbers from all the banks and the credit card companies. ( 4 banks ). I went home as advised by the police officer to gain access to my laptop. I live only 7 minutes away from XXXX XXXX. I checked all my credit card and Debit card accounts on my laptop and locked the cards. The officer who came to my house needed to know the location of XXXX XXXX, so I called Chase Credit Card Services from home on XX/XX/XXXXXXXX after he left my house. The woman told me the location of XXXX XXXX and at the same time I asked the Credit Card and Debit Card Departments to replace both chase cards. I also disputed the fraudulent charge during my phone call. The Chase Credit card Department never texted, called or emailed me about this fraudulent high charge until I called them on XXXX/XXXX/XXXX. In my opinion XXXX XXXX should have checked the ID of the thief because of this high amount and the fact that the XXXX XXXX card was declined. The Officer from the XXXX County Sheriffs office who was at my house also told me that I have to make a second police report to the XXXX Police Department because XXXX XXXX is located in the City of XXXX. I have been in contact with an Officer of the XXXX Police Fraud Department, who told me that they have a picture of the thief who charged my stolen creditcard at XXXX. I have the online information that under the Fair Credit Billing Act I should only be liable for {$50.00} because the thief personally presented the card at XXXX XXXX to make the purchase. ( 12 C.F.R. 1026.12 ). I showed the fraudulant charge to the officer in my house on my laptop which was pending. I could not click on it and dispute it there. Thats why I called right after the officer left my house. I believe I did everthing in my power and as soon as possible while I had to deal with the XXXX XXXX employees and the police to lock the cards and inform chase about the fraudulent charge. XX/XX/XXXXXXXX : I checked my credit card account and found out that the fraudulent charge appeared again. I called Chase Card Services and talked to a female specialist who asked me to send the police report. I also disputed the unauthorized charge a second time. She dictated and spelled the email of her supervisor to me. I tried to send the documents to this email but the recipient rejected it and it had fatal errors. I checked notices and letters in my credit card account : I found the following letters. XXXX XXXX : Update : Here is more information about your fraud claim. It was just stated that they closed my account, opened a replacement account and mailed the cards. Chase also put temporary credits on my account while they reviewed my claim. This letter in notices and letters is not visible anymore although I should be able to look it up for 30,60,90 daysXXXX. It was deleted by Chase. I downloaded it as soon as I saw it and printed it out. XXXX XXXX : Update : We completed our review of unauthorized transactions on your account : It stated that I contacted them on XX/XX/XXXX. ( this date is wrong because I called chase on XX/XX/XXXX when I disputed the unauthorized charge. The letter showed the date of transaction : XX/XX/XXXX, Amount : {$2700.00}, Merchant Name : XXXX XXXX, Reason : You received benefit from this transaction. I never received any benefit. This is wrong. They closed their fraud investigation. This letter in notices and letters is not visible anymore although I should be able to look it up for 30,60,90 daysXXXX. It was deleted by Chase. I downloaded it as soon as I saw it and printed it out. XXXX XXXX : I sent an email to the Chase Fraud Department and disputed the unauthorized charge for the 3 rd time. I asked them to get in contact with the XXXX Police Department, gave them the case nr for the fraudulent charge and the name of the officer who received my police report. I also aked them to call an officer in the Fraud Department XXXX XXXX XXXX Police Department who told me that he has a picture of the individual who used my chase credit card in person at XXXX XXXX. I reported to Chase a second case nr for the stolen wallet, issued by the police officer from the XXXX County Sheriffs Office who visited my house on XX/XX/XXXX. He told me that I had to file a report with the XXXX Police Department because XXXX XXXX is located in the City of XXXX. XXXX XXXX I found in notices and letters the following document : Update : We reviewed your fraud claim again, here is what we found : It confirmed the previous finding that the transaction is valid. I am responsible for paying the amounts on my account. All the information described was reported to all the credit reporting agencies. They also assured me that they researched the fraud claim thoroughly. This letter is still visible in notices and letters. I downloaded and printed it out. XXXX XXXX : I sent an email to the Chase Fraud Department asking them to tell me the exact reason and fully explain to me why I have to pay the fraudulent charge. XXXX XXXX : The Chase Fraud Department responded to my email not telling me a reason at all or giving me a full explanation why I am responsible to pay the amount. Instead the email stated that they will research my claim again and I wont pay for the charge or any related interest charges or fees until they inform me about the result of their investigation. | ||||||
| 04/15/2023 | Yes |
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| On XX/XX/2023 @ XXXX XXXX, received call from Chase with notification of wire fraud. Person calling was XXXX XXXX ( XXXX ). I was advised of possible fraudulent activity on my account an there was an attempt of a {$5000.00} wire being sent to XXXX XXXX. XXXX asked if I knew a XXXX XXXX who lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I do not any XXXX XXXX. Advised that this person was attempting to be a recipient of the wire transfer to XXXX XXXX XXXX. XXXX XXXX again confirmed that I do not know this person. XXXX XXXX asked if my number was XXXX so a code could be sent to authenticate and confirm who I was. I advised that I was driving, it was pouring rain and I had to pull off the road, XXXX replied to take my time and be safe. I advised XXXX that I did not receive the code and he sent it again. I then received 2 codes and XXXX asked for the last one, which I gave XXXX. XXXX then asked me to sign into my account which I complied. Once in my account, I was asked to check my balance which I did and he said to you see your balance of {$5000.00} and I confirmed. XXXX then stated that I may receive a call from Chase and not to hang up, XXXX stated that the call is part other their automated system and to stay on with him. I had asked XXXX where he was located and XXXX replied he was in Arkansas. XXXX instructed me to into the app and go into wire funds. I advised that I have never sent a wire before and to bear with me. XXXX walked me through the process and go into XXXX XXXX. Once I was there, XXXX stated that we need to conduct a Wire Reversal ( WR ) and walk me through the process of canceling the wire in the app. I was instructed to enter XXXX XXXX and enter some numbers. Once completed, XXXX advised that I had to speak with another person who was that XXXX Supervisors and then I would be transferred back to XXXX. I was transferred to XXXX XXXX ( XXXX ). XXXX advised that in order to proceed, he had to send me a code to confirm who I was. I received the code XXXX. I mistakenly gave him the wrong code in the read back and he asked me to check again, I corrected myself and we proceeded. I was talking to him about this fraud and XXXX stated that it was unfortunate and this happens quite often but Chase was able to catch it in time. I was then transferred back to XXXX. XXXX stated that they were completing a scan on the account because someone was attempting to access my account while we were on the phone. XXXX advised that I needed to change my sign-in and password. XXXX was sending me a code which I was to enter and not give XXXX the code, Chase does not ask for this code. XXXX advised that I had to sign out of the account and sign back in and I would have to enter the code. I complied and entered the code XXXX. XXXX walked me through the process of changing my sign-in and password. XXXX said that the scan on the account was taking longer than normal and since I was driving, he would schedule a call back in 45 minutes. We terminated the conversation. At XXXX XXXX I received a call from XXXX XXXX XXXXXXXX and when I answered the call disconnected. I called it back and got a recording that I had reach XXXX XXXX XXXXXXXX and asked for account number and I hung up. At XXXX XXXX XXXX called me back and stated that the scan was still running and they wanted to make sure there were no further attempts to access my account and they call back in the morning. I told him I got a call from XXXX XXXX XXXX and XXXX replied that was strange and asked what happened, I told him nothing it disconnected. On XX/XX/XXXX, I logged into my account and found that I was over drawn and my funds had been wired. I contacted Chase at XXXX XXXX and spoke to Representative and explained the situation. The Rep said that he did not see where chase had a Fraud issue from yesterday. I advised him that the call came from Chases number, the names of the people I spoke to, that the call last over an hour and I was sent codes from Chase and I had NO REASON to believe that I was NOT talking to Chase. He continue to review that account and I said so youre telling me that someone hacked into Chases system, sent me codes and I was talking to the people who committing the scam? He said yes it looks that way. I asked him if Chase had a facility in Arkansas and he said yes. I asked if they had people working there by names of XXXX XXXX and XXXX XXXX. He replied that he did not have a list of names. At that point I requested to speak with someone in the United States. I was transferred to XXXX. She reviewed my account and I explained what happened in detail. She took notes and advised that I should close my current account and open another account. XXXX further stated that she was blocking on line access and after we were done I had to call Chase On-Line customer service at XXXX to reactivate my online access. I asked XXXX if this was a common occurrence and she replied it is and they get into our fraud system. XXXX advised me that I was going to be mailed some documents that needed to be signed and returned. She said return them as soon as possible and would take 2 to 3 weeks for review and getting my funds returned. She then advised that I if I ever get a call from Chase, I should hang up and call Chase back. I called the Chase-Online number XXXX as instructed by XXXX @ XXXX XXXX The rep advised that my account locked and I had to go to see my Business Banker at the branch. I went to the branch, opened a new business account. XX/XX/ I revised an email from Chase regarding my claim. I went on line and found that Chase had denied my {$5000.00} claim stating that I had conducted the transaction and therefore denied the claim. I called Chase @ XXXX XXXX. The rep advised that it had been concluded that the transaction had been completed on the same device that has been used historically. I asked to speak to someone in the States and the Rep he can transfer me but they will tell me the same thing. I told to transfer me. I was placed on hold and the rep came back on the line and said that the person in the States was trained in this kind of fraud and he had to place me on hold again. The rep came back on the line and advised that the hold time for a rep was over 30 minutes in the states. And I should call back at later around XXXX XXXX XXXX XXXX Called back Chase and went through the situation. I was told that the fraud investigation has determined that I authorized the wire. Further, I was advised that the Chase Wire Department does not have phones nor do they contact customers for wire fraud,. That is Chase policy. Either way, I was not going to get money back. I asked for someone in the states and was advised that they will tell me the same thing. I was placed on hold for someone in the United States. XXXX, Stated that that since the wire was completed over my device they consider it a transaction that I approved. Despite the fact that Chase knows about these scams, I approved it and therefore chase will not refund the funds. I can file a complaint with the local authorities and maybe they can peruse the receiver of the funds but chase does not get invoiced in criminal actions. | ||||||
| 09/27/2018 | Yes |
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| 1. I was on-line trying to rent a car at XXXX XXXX XXXX on XX/XX/2018. 2. A pop-up ad appeared on the site I was searching ( XXXX or XXXX -- not sure of site ). 3. A really good deal on a XXXX was offered by XXXX. I am not sure of the price, but it was around {$29.00} a day. 4. Trusting that I was on XXXX or XXXX, I went to the page to book the XXXX. It took my CHASE credit card information. However. the page that took my credit card did not confirm the price of {$29.00}. I had no way of knowing that they were going to increase the charge from the advertised lower price. 5. It wasn't until the credit card authorization completed that I realized they were charging extras for insurance , road service and bogus charges that I couldn't undo, so the rate became an exorbitant {$490.00}. This was not a price I would have agreed to pay. 6. I immediately tried to call the XXXX number that was listed for cancellations, but the phone never answered. I tried several times, but the phone just never answered. 7. I immediately called Chase, asking them not to put this charge through on my Chase card. Chase is a banking institution. It is interesting to me that if I had written a check for payment, my bank would have accommodated a stop payment action. But not Chase! 8. I was told that they could not stop the charge because I had to wait for it to appear on my card. Only then could I refute the charge. I asked the gentleman to make sure he reported my conversation on the computer so that Chase would have a record of my issue of the bait and switch charges, for later reference. He agreed to do so. 9 I waited. When the charge appeared, I immediately called Chase and reported a scam, a fraudulent bait and switch charge. The dispute was taken over the phone, and I was told that I would be sent a letter. I advised the woman I spoke to that My mail was going to be held until the end of XXXX and I would not be able to receive what they sent to me because I would be travelling in the National Parks out west. She said. " Uh oh. '' Then she said, " I will note your file. '' 10. I asked for and was given a Chase address. I then sent my written statement with my return address on the envelope, to the post office box given to me by CHASE. I had forgotten to type in my credit card number, so I opened the envelope, hand wrote the number on the complaint letter, taped it shut again and sent it. Copy of the letter I sent is attached. Chase claims they did not receive the letter, but it has never been returned to me. And I posted it with a stamp that had a picture of last years eclipse. I remember this very well because the stamp is black until it gets sunlight on it. 12. On XX/XX/XXXX, the following message was left on my home phone : 'Voicemail from ( XXXX ) XXXX " This message is for XXXX XXXX . My name is XXXX ... calling Chase Card Services regarding your recent inquiry. Please call us back XXXX XXXX extension XXXX to-be (? ) reach Monday through Thursday XXXX and XXXX to XXXX on Friday. Once again my name is XXXX (? ) please call us back at XXXX or the number on the back here. Thank you. '' On XX/XX/2018, we received the same message. These messages came in when we were travelling to the National Parks in Colorado, Idaho Wyoming, Utah and N. Dakota. We had no cell service and no email 13. Yesterday when I picked up my mail, the Chase paperwork denying my dispute was dated XX/XX/2018 -- arriving a week before I would get my mail! In that letter they state that they had sent me a letter asking if I wanted to continue the dispute. Really? After all I had gone through to register this dispute! Did anyone ever look at my conversations that were on file? 14. It is probably true that my complaint file against XXXX was getting lengthy. ( I assume,, since I requested my conversations to be noted in my file ). ALWAYS when I called to talk to the various reps at Chase, they were too busy to read the file. No matter who I spoke with they all repeated, like Robots, the company script. All anyone ever did was state CHASE policy. They wouldn't listen, nor hear me, they kept repeating " Chase policy ''. 15. Yesterday, I called the number from the Chase paperwork denying my dispute. My main issue is : I could NOT get in contact with XXXX because the phone never answered. Chase, I would assume was investigating what I said, and part of that investigation should have included trying to call the phone number, which they do indeed have on file. If they had tried to call that XXXXXXXX XXXX phone number, they would have learned that no one answers the phone when you want to cancel a booking. Several times I asked the Chase rep to let me speak to a supervisor. That is a joke! The supervisors repeat the company line. Nobody ever read my file. And truly they are very polite, but totally hog-tied because all any of them can do is repeat CHASE 's company policy. 16. When I called yesterday and spoke with the Chase Complaint Department, I was advised my call would be recorded. Not may be. After much frustration, I asked and was then turned over to supervisor, XXXX XXXX XXXX XXXX. More frustration. I asked to speak to his supervisor, I was flat out told, with a good degree of anger and disrespect that it was never going to happen. ( In so many words ). And actually, he spoke the truth. Chase will not allow you to speak with a " supervisor 's '' supervisor. There are none. 17. Yesterday, still frustrated, I attempted to talk to a higher-up, who isn't a Drone. I searched for a name and telephone number for the executive that heads up the Credit Card XXXX within Chase Bank. The only information on-line is the name of CEO, XXXX XXXX. ( Who believes he cares about my {$500.00} issue? ) The phone number they pos XXXX was customer service. Again, I call and get connected to XXXX XXXX TX. XXXX answered. I asked for the name, address and phone number for the person who heads up the credit card division. After getting no answer ( but she did try ) I asked to speak to whoever she was talking to that would not provide the information I needed. I then spoke to Supervisor XXXX. I was on the phone for over 20 minutes with XXXX XXXX. ( VERY polite ) trying to get the executive name and address of the Credit Card division and her " DIRECT '' told her she could only tell me XXXX XXXX was the CEO. DIRECTs never talk to customers, I was told. 18. I am certain that Chase functions within the limits of the law. Nothing more! You can not legislate ethics and high moral standards. However, if I have been scammed, and I call Chase to report it, there should be some way I can keep my credit card from being charged. While I was in XXXX XXXX XXXX, I made a purchase and the card reader was not working. It charged my credit card twice. I was told the reader wasn't working, so I paid cash. Chase called me, almost immediately to see if this was a fraudulent charge. We explained that we were told the reader couldn't read our card. Chase immediately reversed the charges. Why couldn't they reverse the charges when I reported the XX/XX/XXXX fraud? Chases behavior is just wrong. On so many levels! | ||||||
| 11/30/2021 | Yes |
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| I am a consumer as defined in TILA and 16 CFR 433.1 ( b ) and this is my claim : On XX/XX/XXXX I spoke to XXXX XXXX, a Used Car Salesmen of XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, by phone. A week prior to that conversation on XXXX XXXX XXXX, I stopped into the Dealership letting XXXX know I was relocating to XXXX XXXX XXXX XXXXrom XXXX XXXX XXXX and needed clarity on the car buying process. Essentially, I am a consumer looking to have credit/cash advance extended to me under a Purchase money loan as described in 16 CFR 433.1 ( d ) to enter into to contract with the Seller, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX. That would have covered the cost of the consumer credit contract described in 16 CFR 433.1 ( i ) which is an instrument that I would've specially indorsed at a later date. At that time I shared that I was interested in getting a car for personal use to commute to and from work, in XXXX, TX traveling from XXXX XXXX XXXX in over an hour worth of traffic, round trip ; my fianc also uses the car for household purposes such as getting groceries to provide a meal for the family, travel to see family over the holidays, and more. I arrived in XXXX on XX/XX/XXXX and rented a car from XXXX until the following Tuesday for {$630.00}. XXXX had set the expectation that my vehicle was already in transit and would arrive by Tuesday XX/XX/XXXX. Unfortunately as the text messages will show, he asked me to call him to share the bad news. The Title was lost. Apparently, XXXX XXXX XXXX XXXX is having this problem nationwide, or so they say. I tried to negotiate a better deal through my frustration at having to extend my rental agreement a day and pay a hefty fee, only to be upsold on a vehicle that was {$2000.00} above my budget. Considering I am juggling a relocation from XXXX to XXXX, home purchase, and new workplace, it was a stretch that they would not work with me on a better financed sale as defined in 16 CFR 433.1 ( e ). On XXXX XXXX, XXXX called me to preform a credit sale. According to the Truth In Lending Act, 15 USC 1602 ( h ) defines a credit sale as any contract, mine was verbal since it was on the phone... where under nominal consideration I would have the option to become the owner of a XXXX XXXX XXXX once the negotiable instrument was specially indorsed, in person. On XX/XX/XXXX I took a worse off consumer credit contract with another institution because JPMORGAN CHASE BANK, N.A. denied me credit for personal and household purposes. I got what looks like an Adverse Action notice of denial on XX/XX/XXXX in the afternoon when I traveled home from work. The Adverse Action letter provided me with my rights under the Fair Credit Reporting Act and the key factors that helped JPMORGAN CHASE BANK, N.A. decide to take adverse action against me as a federally protected consumer. These were the reasons : " LIMITED CREDIT FILE AND/OR INSUFFICIENT INSTALLMENT CREDIT HISTORY, VALUE OF VEHICLE IS INSUFFICIENT RELATIVE TO REQUESTED AMOUNT, '' and that was page one of the letter. Page two, went further to say : " We also obtained your credit score from the consumer reporting agency ( XXXX, XXXX ) and used it in making our credit decision. '' Lastly, " Here are the key factors that ADVERSELY affected your credit score, Number of inquiries, ratio of balances to limits on bankcards, length of time account have been established. Based on my rights, under the Fair Credit Reporting Act, 15 USC 1681m, JPMORGAN CHASE BANK, N.A. is a USER of my consumer reporting, obviously so, based on the adverse action notice. As a USER of consumer reports, JPMORGAN CHASE BANKXXXX N.A. has duties it must fulfill when they take adverse action against a consumer. They have completed the duty of notifying me in accordance with the federal law 15 USC 1681m ( a ) ( 2 ) ( B ) After I reviewed section 15 USC 1681m ( b ) I realized whenever credit for personal, family, or household purposes involving a consumer is denied partly because of information obtained from an organization other than XXXX, XXXX bearing my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, JPMORGAN CHASE BANK, N.A. shall, within a reasonable period of time, upon my written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. 15 USC 1681m ( b ) goes on to state The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. Without reading the Federal law for myself, I would not have known JPMORGAN CHASE BANK, N.A. was supposed to disclose that I had this right and they failed to provide this notice in their adverse action letter to me, dated XX/XX/XXXX. I was denied credit in the amount of {$24000.00} for a XXXX XXXX XXXX that I needed for personal and household use. I had to extend my rental agreement with XXXX, travel using family member personal property and slept less knowing a had a denial because of what appeared on a consumer report, because of this adverse action. Any time I read a new body of work I do not understand, I go through the definitions. 15 USC 1681a helped me a consumer understand that I can be denied for Insurance and employment under federal law, however it does not once mention that I can be denied for credit. This decision by JPMORGAN CHASE BANK, N.A. to deny me was directly adverse to my interest of getting a car from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX. This to me seems like a violation of that sub-section and so I demand remedy for damages. The damages are {$24000.00} which represents the amount financed and credit that was denied. From my essential understanding of 16 CFR 433.1 ( d ) I went to get a Purchase money loan in exchange for a " Finance Charge '' within the meaning of the Truth in Lending Act. As an applicant, I had the capacity to enter into a binding contract ( 16 CFR 433.1 ( f ) ) and I believe I was discriminated against under the Federal Equal Credit Opportunity Act, 15 USC 1691 ( a ) ( 1 ) in that extension of credit. I am writing through this medium because the Adverse Action letter I received, reads, the Federal agency that administers compliance with this law concerning JPMORGAN CHASE BANK, N.A. is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, DC XXXX. My open end credit plan as defined in 15 USC 1637 was used in connection with this transaction and also feel my credit card pursuant to 15 USC 1602 ( l ) was used without my authorization. I say that because 15 USC 1602 ( p ) states if I received no benefit, that qualifies as unauthorized use. I am writing through this medium because the Adverse Action letter I received, reads, the Federal agency that administers compliance with this law concerning JPMORGAN CHASE BANK, N.A. is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, DC XXXX. | ||||||
| 02/26/2018 | Yes |
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| Hi, As a loyal and long time customer of such a reputed financial institution, don't we have to receive a personalized & honest explanation of a complaint raised by the customer!!! Is it too much to ask? I had submitted a complaint regarding the unsolicited and unfair closure of my chase XXXX credit card ( ends with XXXX ) after not getting a logical explanation from customer support of chase ( via phone ). Briefly, my XXXX XXXX Card was closed by Bank on XX/XX/XXXX and I was informed via a letter. The reason cited is " We are closing your account because only merchant credits have been used to satisfy the balance on your account for 3 consecutive months. No other payments have been received. We are closing your credit card account ''. I still do not understand the meaning of " merchant credit has been used to make payment, no other payments made ''. I am enrolled in Autopay, so if there is no due balance how come bank is expected to receive a payment? The letter sent by Chase on XX/XX/XXXX also stated that " We sent you a letter last month ( which is XX/XX/XXXX ) telling you if this activity continued, your account will be closed '', which I DID NOT receive. According to bank 's customer support, on statement closing date- XXXX XX/XX/XXXX, they decided to close the account. I do have {$220.00} due on XX/XX/XXXX, for the purchases I made in XX/XX/XXXX, which the bank 's decision maker can easily see on the day of decision. I can understand the bank 's policy, but I do have some serious concern regarding the timeline bank is providing to the customer which to me does not make any sense. It is my humble request to go through my concern and provide me an explanation NOT A GENERIC STATEMENT saying that it is the bank 's policy. I am listing my concerns below- 1. I am holding this credit card account for last few years, never had any late payment, no failure to pay and have an excellent credit score. I used this XXXX XXXX XXXX card only to make purchases on XXXX, there were many months when I have not used this card, but never got any kind of notice from Chase before. On the month of XX/XX/XXXX-XX/XX/XXXX, I made few purchases from XXXX, some of the items were not delivered ( LOST ), and couple of items I returned, so eventually there were merchant credits. The items which were lost ( due to delivery issues ), XXXX returned the charges, which I guess is not my fault anyway. ALSO point to be noted that XXXX NEVER RAISED ANY CONCERN ABOUT THE ITEMS LOST OR RETURNED as the returned items were not working/defective. SO IF CHASE IS THINKING ( I AM ASSUMING AS I WAS NOT PROVIDED ANY EXPLANATION FOR SUDDEN CLOSURE OF MY ACCOUNT OTHER THAN MERCHANT XXXX XXXX ) THAT THERE ARE SOME SUSPICIOUS ACTIVITY OR CUSTOMER IS DOING SOMETHING WRONG, I GUESS IN THAT CASE THE CONCERN SHOULD BE RAISED BY THE SELLER/MERCHANT WHICH IS IN THIS CASE IS XXXX. HOW COME CHASE IS HAVING AN ISSUE WITH MERCHANT CREDIT DUE TO LOST ITEM OR RETURNED ITEMS!!! During the busy months of XXXX, XXXX IS PROVIDING APOLOGY TO MANY CUSTOMERS INCLUDING MYSELF FOR THE LOST ITEM and for that they ARE PROVIDING MERCHANT CREDIT. SO I AM NOT SURE HOW COME A MERCHANT CREDIT DUE TO LOST/RETURNED ITEM IS FORCING A BANK TO CLOSE MY ACCOUNT WITHOUT KNOWING THE BACKGROUND STORY AND MOREOVER THE SELLER/MERCHANT ( XXXX ) IS NOT RAISING ANY CONCERN/RED FLAGS. Regardless, I made purchases in XX/XX/XXXX and that led to > {$200.00} due on XX/XX/XXXX 2. Chase credit card service is letting me know an important information onXX/XX/XXXX ( as per the customer support 's information ) via REGULAR MAIL ( NOT CERTIFIED/REGISTERED ) which takes at least 5 business days to arrive, so I would have got that on XX/XX/XXXX. I DID NOT RECEIVE THAT LETTER. I am pretty sure it is not uncommon in USA to get letters/shipment LOST. All the Big Merchants like XXXX, XXXX acknowledge LOST ITEM /SHIPMENT, how come CHASE IS NOT TAKING THAT INTO CONSIDERATION SPECIALLY DURING THE MONTHS OF HOLIDAYS!!! In THE SECOND LETTER ON XX/XX/XXXX CHASE IS LETTING ME KNOW ABOUT THEIR DECISION TO CLOSE THE ACCOUNT. SO BASICALLY CHASE IS GIVING ME ONLY APPROX. 15-20 DAYS OF TIME TO WORK ON THE ISSUE IF I HAVE GOT THAT XX/XX/XXXX LETTER!!! DOES IT MAKE ANY SENSE? IF THIS ISSUE IS THAT IMPORTANT, MY QUESTION IS THEN- ( a ) Does Chase believe no letters/mails get misplaced or lost? How come they are giving only couple of weeks ( XX/XX/XXXX-XX/XX/XXXX ) of time to the customer before a major decision like closing the account is made? ( b ) WHY CAN'T CHASE PROVIDE A LITTLE MORE TIME 4-6 WEEKS OR AT LEAST 1-2 BILLING CYCLE TO THE CUSTOMER SO THAT IF ANYTHING IS WRONG, CUSTOMER CAN HAVE THE TIME TO EXPLAIN OR RECTIFY!! IS IT TOO MUCH TO ASK? TO ME IT SEEMED THAT CHASE HAD MADE ITS DECISION TO CLOSING THE ACCOUNT IN MIND ON XX/XX/XXXX DUE TO SOME REASON ( WHICH IS NOT AT ALL CLEAR TO ME ) THAT'S WHY JUST LETTING THE CUSTOMER KNOW AND GIVING 2 WEEKS OF TIME TO ACT ON. XXXX. A customer like me, who never had any late payment/any interest on this account. Credit score is excellent ( >800 ). Does that customer deserve only 1 notice of 2 weeks about this major decision of closing the account. It will hit my credit score badly!! If this issue was that urgent, why can't chase let me know in little more advance instead of on XX/XX/XXXX OR GIVE ME 1-2 BILLING CYCLES OF TIME!!. This timeline of activities as well as the explanation of " Merchant Credit '' is very weird, and also not directed towards customer friendly attitude. Don't you think the customer needs to know little more in advance and have at least a month or two before closing the account? HOW COME THE MERCHANT CREDIT IS CUSTOMER 'S FAULT WHERE MERCHANT IS HAPPY TO REFUND BUT THE BANK IS NOT HAPPY FOR NOT RECEIVING ANY PAYMENT ( WHEN IS THERE IS NOTHING DUE )!! 4. I TRIED TO CONTACT CHASE CREDIT SERVICE SO MANY TIMES, I DID NOT GET ANY DETAILED EXPLANATION OF THESE CONCERNS WHICH I AM WRITING HERE. THE ONLY EXPLANATION I GOT WAS " MERCHANT CREDIT WAS SATISFIED TO MAKE PAYMENT .... '' IF YOU READ MY CONCERNS THERE ARE ISSUES ABOUT THE TIMELINE CHASE IS PROVIDING TO THE CUSTOMER, WHICH IS NOT BEING ADDRESSED EVEN ASKING FOR SO MANY TIMES. EVEN TRIED TO CALL THE CHASE CREDIT CARD EXECUTIVE SERVICE DIVISION ( I MISSED A CALL FROM A LADY FROM THIS DEPT, BUT UNFORTUNATELY SHE DID NOT LEFT AN EXTENSION NUMBER OR CALL BACK NUMBER ), BUT COULD NOT REACH AS IT REQUIRES PARTICULAR PERSON 'S EXTENSION NUMBER. THEN I CALLED THE CHASE CREDIT CARD SERVICE CUSTOMER SUPPORT AND LEFT A REQUEST TO CALL ME BACK AS I HAVE MISSED THE CALL AND COULD NOT REACH THEM BACK DUE TO UNAVAILABILITY OF THEIR CONTACT INFORMATION. NEVER HEARD BACK FROM THE AGAIN!!! I AM AGAIN REQUESTING YOU TO PLEASE PROVIDE ME AN EXPLANATION OF THE CONCERNS I RAISED HERE. I am very annoyed with this whole situation and mentally devastated. I still do not understand what I did wrong that the credit card account got closed!!! I HOPE THIS TIME I WILL GET A PERSONALIZED RESPONSE ( addressing the concerns raised here ) NOT A GENERIC RESPONSE. Thanks XXXX XXXX XXXX, MD Phone : XXXX [ Cell ] XXXX [ Home ] | ||||||
| 08/01/2018 | Yes |
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| I previously submitted a complaint, but the response from Chase bank is not correct. The CFPB closed the file without giving me a chance to response, so I want the case open. The previous case number is XXXX. Below is the complaint and response. The bank is claiming we didn't have sufficient funds to receive the discount, when in fact we did, and this has been verified with the local branch. Chase corporate said we didn't have the funds in our checking/savings account, but we were told our 401k plans counted toward this amount and that was the sole reason we transferred over {$200000.00} from another financial institution to Chase. I would like the complaint re-opened and to receive the 0.125 % discount on my mortgage as promised by Chase for being a private client. Submitted to the CFPB on XX/XX/2018 PRODUCT Mortgage ISSUE Closing on a mortgage We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Chase told us we would receive 1/8th lower on our interest rate if we were a preferred client, so we moved our retirement savings over to Chase so that we would qualify. We were told the rate would be applied after closing and we locked in our rate at 4.25 %. After closing they did not honor the rate, and told us we didn't have enough savings to get the better rate. When i showed him the message he previously sent me saying we would get it, he said he would see what could be done. I got tired of going back and forth with the loan officer and 3 weeks ago called his manager directly. He said a file was open and they were working on it and would get back to me after a week. A week pasted and no response, I called and left a message but still no response. We closed on our house over a month ago now and Chase has yet to do anything or return my calls. In addition to this the bank messed up our closing by not funding the correct amount. They were short {$1400.00} and we never closed on Friday and couldn't get the keys to our house for two days until they admitted their mistake and let the title company know it was an error on their end. Chase promised to get some money back to make this up to us, but we never received anything. View full complaint Sent to company STATUS Sent to company on XX/XX/2018 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working STATUS Company response is in progress as of XX/XX/2018 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also spoke with you on XX/XX/2018, about the interest rate reduction. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Thank you for your feedback about the level of service you received. Weve confirmed that we completed our review of your application in good faith, following our lending guidelines. We didnt find any attempts to mislead you. We received your application for a purchase loan with an interest rate of 4.25 % on XX/XX/2018. We sent you a Home Loan Application Package with all of the legal disclosures were required to provide, and a Mortgage Conditional Approval Letter listing any conditions that needed to be met for approval. We based our decision on lending guidelines and market conditions, including current loan programs, interest rates and costs. We also needed to confirm your income, employment, collateral and credit information. We approved your application, and your loan closed on XX/XX/2018. Your Home Lending Advisor let you know that you could receive 1/8th off of the interest rate if you had {$250000.00} in your checking or savings account during the closing of your mortgage. Unfortunately, that money wasnt in your checking or savings accounts during that time ; therefore, we werent able to approve the 1/8th percent off of your interest rate. Were not able to change your interest rate from 4.25 % to 4.125 %, as you didnt qualify for the lower interest rate. Your loan was expected to close on XX/XX/2018. Your Closing Disclosure ( CD ) was incorrect when it was sent to the title company, as your extended rate lock credit of {$1400.00} wasnt included. We apologize for this and that your loan closing was delayed until XX/XX/2018. You advised us during a phone conversation on XX/XX/2018, that you incurred no extra costs due to your closing being delayed. We arent able to compensate you for the inconvenience. ATTACHMENTS XXXX XXXX Final Letter XXXX ( 26 KB ) Feedback provided STATUS Feedback provided on XX/XX/2018 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS First of all the rate originally quoted was prior to us becoming a private client. Even if we had not become private clients we paid to lock in the 4.25 % rate. We were told that if we became a private closing we would receive a 1/8th discount after closing. Second our loan house didn't close on XX/XX/XXXX because Chase bank failed to provide the required funds to the tile company on the day of closing and this wasn't corrected until two days later. Chase originally claimed the tile company has messed up and they provided the right amount. Chase later omitted that due to a problem with their new system that they in fact transferred an incorrect amount to the tile company. Third we were told that all balances we had with Chase in accounts, including our retirement accounts counted toward our private client status. This is the sole reason we transferred over {$200000.00} of our 401k saving with other institutions to Chase, so that we would qualify as private clients and receive an additional 1/8th savings off the loan rate. At the time of closing we had more than the {$250000.00} amount to qualify as private clients, even receiving new bank cards and account, but Chase corporate refuses to give us the additional 0.125 % off our loan rate, even though the branch confirms we had the necessary funds to qualify as private clients and should have received the discounted rate. I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No | ||||||
| 12/30/2017 | Yes |
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| On XX/XX/XXXX My grandmother XXXX XXXX in XXXX California from a XXXX. Around the same time her husband, my grandfather was struggling to recover from XXXX XXXX. On XX/XX/XXXX I drove from XXXX MI, where I am a XXXX XXXX XXXX and XXXX, r to XXXX California due to the double family emergency. My XXXX pay for my auto loan with Chase Auto Finance was due XX/XX/XXXX. I was not able to attend to the financial matter wit Chase Auto Finance until XX/XX/XXXX, once my grandmother was XXXX and my grandfather had been released from the hospital to return home. On XX/XX/XXXX I called Chase Auto finance requesting a temporary cessation in payments due to the double family emergency. The customer service representative stated that an easier alternative to the temporary cessation would be to agree to a " Promise to pay '' byXX/XX/XXXX. I informed him that I would like to use the cessation in payments since I did not know the exact date off-hand in XX/XX/XXXX that my next stipend check or payroll payment as a XXXX would be issued. I offered to provide the gentlemen a copy of my tax transcripts for the past four ( 4 ) years, a copy of my contract with my university regarding funding for the duration that I remain a XXXX student, a copy of the program from my grandmother 's XXXX, and a sworn affidavit to that effect. The customer service representative then asked me if all of that was going on how it was that I was able to afford to pay ALL my mother bills. I explained again that I 'm a XXXX XXXX XXXX AND XXXX. He stated that he 'd never heard of the term before and that he 'd never heard of different payment dates as a XXXX and a XXXX XXXX. He then stated he would not be able to approve the payment extension himself because he did not want to be " personally responsible if/when after the payment extension I would n't be able to pay my bill. '' He entered the explanation as such and then handed it off to a supervisor for approval. He told me to call back around the XX/XX/XXXX to check the status of my request. On XX/XX/XXXX I called back and received the news that the extension had been denied, and the reason was verbatim the explanation that was given by the customer service representative on XX/XX/XXXX. I asked to speak with a supervisor regarding the explanation and the conclusion that I did not have the ability to pay my auto loan. I spoke with a supervisor named XXXX that identified herself with the ID number XXXX. She explained verbatim the reason for the denial. I explained to her that I needed clarification on the reason for the denial -- she refused to provide one, except to explain that it was for the exact same reason that the gentlemen on the XX/XX/XXXX did n't want to extend the payment. She stated that it was the position of Chase Auto Finance that my present situation is not temporary and therefore there was no reason to believe that I would be able to continue making payments on my vehicle. I asked for an written explanation for the denial of payment extension. XXXX refused to provide one stating that because the terms of my original loan had not been modified, no written correspondence would be provided. The lady concluded the conversation by reminding me that because I had not yet paid the payment on the account that even if I walked into a local branch that was open and paid in cash on the XXXX day past-due, that they would report my payment as being thirty ( 30 ) days past-due. This sort of comment seems entirely putative in nature. A renegotiation, or request for modification of loan terms is based upon a financial assessment, and would seemingly constitute a financial evaluation akin to a credit inquiry, taking into account payment history, credit score, and other internal and external factors. However, Chase Auto Finance has refused to provide ANY written explanation and has made it very clear that they will to be providing one. This seems contrary to the practices I 've observed with other banking institutions as the others I deal with prefer all business correspondence to be in writing. Now, the sheer reasoning for the denial is unsound and questionable, as I 've paid on the auto loan for the past five and a half years, dropping the loan amount from the origination amount of just over 21 thousand dollars to just over 2500 dollars. That is, through total compensation over the loan term, I 've paid off 9/10 of the loan. Therefore there is no reason to believe that with a prior income before returning to school of well into six-figures, and with total compensation as a XXXX XXXX and XXXX at or near six-figures, evidenced through the contractual documents, tax transcripts, and payroll information I offered, that there should be any issue. Based upon the first representative 's comments in the computer system and conversation on XX/XX/XXXX, it would therefore appear that Chase Auto Finance is scheming, hedging on the fact that I can not make future payments on the vehicle, since to repossess the vehicle and resell it because its resale value is higher than what is currently owed on the vehicle. To conclude, I had dual family emergencies that has prevented me from pay my bill on-time. I explained this to chase and requested a payment extension. The first Chase representative was willing to extend a promise-to-pay for XX/XX/XXXX, until he understood that I am a XXXX XXXX XXXX. He explained to me that he 'd never heard of a XXXX XXXX XXXX before, and stated he did n't want to extend or modify the loan repayment schedule because he believed that I did n't have the ability to pay ANY of my current debt obligations. He annotated this information and his viewpoint and subsequently sent it to " management '' for approval. Chase " management '' subsequently conducted a financial evaluation to process my loan modification request for a one-month cessation in payments to allow me to return to MI. Chase " management '' concluded that I did n't have the ability to pay ANY of my financial obligations. The supervisor I subsequently spoke with named XXXX with ID XXXX refused to provide any written explanation for the denial and repeated the assertion that I did not have the ability to pay the auto loan, or ANY of my obligations, despite of copious amounts of documentation I was willing to provide that suggested this was not the case, to include tax transcripts, pay schedule for stipend AND employee payroll, prior employee payroll and income documents, and contractual documents regarding funding for me as a XXXX XXXX and XXXX XXXX. Chase seems to be unwilling to provide temporary relief for customers who lost relatives and are trying to keep accounts current while dealing with the loss, customers who previously demonstrated ability to pay that offer supporting documentation, and customers who have a payment history of paying down a loans with them. It would appear as well that Chase Auto Finance is scheming, hedging on the fact that I can not make future payments on the vehicle to repossess the vehicle and resell it because its resale value is higher than what is currently owed on the vehicle. | ||||||
| 08/10/2022 | Yes |
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| Account : SAVINGS CHASE PLUS LAST XXXX DIGIT # XXXX Account : CHECKING CHASE XXXX LAST XXXX DIGIT XXXX Claim # IN CHASE : XXXX Require identity restoration and reimbursement of funds withdrawn in fraud Greetings, I am XXXX XXXX XXXX, and I have been a victim of fraud against my Chase bank accounts identified above. I need recover my Identity and my regular access to my accounts and the total amount of {$90000.00} as a result of a series of frauds committed and facilitated by Chase bank against those banking accounts. I need the restitution of my rights as legitimate and exclusive owner ( account holder ) of the banking products that are going to be identified below. The amounts subtracted from my bank accounts, by means of fraudulent methods, originated from the alleged telephone call of someone who, usurping my identity, used bank operator XXXX XXXX, on XX/XX/XXXX, who without confirming properly my identity and without verified the telephone number registered by me, proceeded to create a personal telephone key or password for the identity thief, after which, explained in detail below, same telephone operator authorized the replacement of the debit card in use that ends in XXXX previously granted for me by Chase, limiting my access and management of my personal accounts, with the previously indicated consequences. ( cfr evidence via email received the same day at XXXX p.m. ). In effect, once the impersonation of my identity was attempted through fraud, on XX/XX/XXXX, Chase proceeded to pay the following unauthorized banking operations : I. Counterfeit check cashed from my savings account ending in XXXX, in the amount of {$57000.00}. XXXX. Fraudulent ACH withdrawal in the amount of {$32000.00} from the savings account ending in XXXX, and, XXXX. Fraudulent ACH withdrawal in the amount of {$110.00} from the savings account ending in XXXX. In addition to the theft of the aforementioned amounts of money, the Chase telephone operator canceled my debit card in possession that ends in XXXX, ordering its replacement with another that ends in XXXX, which never arrived at the address registered for me with the Bank. As a result of this, after admitting my impersonation as valid, Chase has blocked my access to the accounts of which I the legitimate owner, granting personal telephone credentials to the usurper that I have prevented from maintaining my rights to manage and control of my funds in money deposited and entrusted to Chase. Therefore, with the purpose of this claim, I propose this claim on the facts and evidence that are listed and attached below : a. My Identity and banking relationship with CHASE, XXXX XXXX XXXX XXXX, with XXXX passport No. XXXX, a the holder of the following bank accounts, card, and checkbook before CHASE : 1. Chase Plus Savings Account ( Savings Account ) last XXXX digits : XXXX XXXX. Chase Sapphire Checking Account ( " Checking Account '' ) last XXXX digits : XXXX XXXX. Chase debit card, last XXXX digits : XXXX, with an expiration date of XX/XX/XXXX. XXXX. Active checkbook against account, last XXXX digits : XXXX, with consecutive numbers from XXXX to XXXX, for a total of XXXX checks. The personal email : XXXX. b. Detailed list of the facts before, during and after the activities carried out in fraud against me. In a thread about that initial message ( via XXXX ), there was an exchange of communications between Chase and me, through which the bank replied that they could not stop the process of issuing a new replacement debit card and they asked him to contact the institution by telephone. Given the lack of communication from Chase, I sent another written communication via XXXX, requesting the opening of an investigation into the fraud of which I has been a victim, through the operator identified as XXXX XXXX, informing Chase that at no time prior to the claim, did I have a telephone conversation to make changes to my account ending in XXXX. The bank, despite having been alerted via XXXX of the ongoing fraud, without prior confirmation from me, as the legitimate owner of the bank accounts, executed the delivery of the amounts of money stolen from their accounts. The delivery of the card ending in XXXX that was issued as a replacement for the one in my possession ending in XXXX, never reached his registered mailing address. Chase assigned by telephone to a third party unrelated to the ownership of the bank accounts that end in XXXX and XXXX, a password for telephone operations that I never requested, and with this, it has allowed, in a manifest inexcusable error, the impersonation of my identity for the control and management of his bank accounts with Chase, facilitating the perpetration of fraud against me. Due to the previously described fraudulent actions, the person who, usurping my identity, received the verbal password proceeded to carry out the following withdrawal operations not recognized for me o as the owner of the bank accounts, to also steal money fraudulently from the bank account, as listed below : First : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature registered in Chase ( and that also does not correspond to the current numbering of my active checkbook as legitimate account holder ) cashed on the XXXX of XXXX, identifying as beneficiary : XXXX XXXX for the amount of XXXX {$950.00}, charged to the checking account ending in XXXX. Of all the withdrawals executed in fraud on my accounts, this amount of money, after several claims presented by me through XXXX was reversed by the bank on XX/XX/XXXX. Second : Forged check with XXXX. XXXX and illegible signature that does not correspond with my signature on file with Chase ( and which is also not only incompatible with my current active checkbook as the legitimate owner of the Chase bank accounts, but also, in addition, it was charged against my savings account ), with XXXX XXXX as the common beneficiary of the fraud, but this time, for the amount of XXXX {$57000.00}, and collected on XX/XX/XXXX. Third : Fraudulent debit via XXXX for the amount of {$32000.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXXXXXX XXXX XXXX XXXX, for the apparent concept of purchase via the web under the following description : Description Entry : Sale Sec : Web IND ID : XXXX ID : XXXX, from the Savings Account that ends in XXXX. Fourth : Fraudulent debit via XXXX for the amount of {$110.00}, identifying himself as the beneficiary of the transfer of funds from the my account to : XXXX XXXX, corresponding to the following description : XXXX Entry : Payment Sec : Tel IND ID : XXXX ORIG ID : XXXX, from the Savings Account ending in XXXX. I not receiving a response from Chase via secure message to resolve the consequences of fraud and identity theft. Once the check was about to be paid, I called again to report the fraud and refuse payment of the check, and the Chase telephone operator, presumably referring to the person who impersonated me, told me that the check had been authorized by phone for payment. | ||||||
| 09/10/2020 | Yes |
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| I am an XXXX XXXX who received the EIDL loan because the pandemic affected my business. I'm incapable of XXXX for XXXX because of health issues and my age. The pandemic makes driving too risky for me. So I applied to receive an EIDL loan, and was accepted. A few weeks after I received the EIDL funds, Chase bank froze my personal account. A couple of weeks later they withdrew mymoney and closed the account. The operators I talked to said that I can only receive my money with documentation that I was in business prior to XX/XX/XXXX. As an XXXX XXXX I do have documents that I was in business prior to XX/XX/XXXX, but Chase will only accept avery specific set of documents. Documents that an XXXX XXXX is not required to have. Tax documents aren't even on the list. Also, Chase will not provide me a written list of acceptable documents. I asked several different people at Chase and they refused to provide me a list, either printed out at the bank, by letter, or even by email. They were willing to read them out but were impatient when I asked them to slow down and let me write the requirements down. I don't know if I have a complete list. Nevertheless, after several operators have read me the list, it's clear that the documents that they require are not documents that an XXXX XXXX is required to have in order to operate his business legally. As an XXXX XXXX I'm not required to have a business bank account. I'm not required to get a DBA, an EIN, or a business license. I'm not required to have a letter from the Secretary of State dated prior to XX/XX/XXXX. I'm not required to have meeting minutes dated prior to XX/XX/XXXX. And I'm not required to have a letter from a CPA nor an attorney dated prior to XX/XX/XXXX. I am legally permitted to operate as an XXXX XXXX without any of this documentation. Yet Chase bank has frozen my account, demanding that I provide these documents. Chase is freezing these accounts illegally. Congress named XXXX XXXX as qualified to receive these EIDL funds. The law is clear. Independent Contractors qualify. I've been a XXXX worker since XX/XX/XXXX. I've been a XXXX XXXX since XX/XX/XXXX. And I've driven with XXXX since XX/XX/XXXX. I have a letter from XXXX attesting to the fact that I've been an XXXX XXXX with them since XX/XX/XXXX. The bank won't accept this documentation. I have tax documents : 1099s and my 1040. Chase won't accept this documentation. I have a letter from an attorney who has examined my documentationand has confirmed that I am a legitimate XXXX XXXX. Chase won't accept this documentation. I have a copy of my EIDL contract with the SBA, showing that I qualify for this loan. XXXX won't accept this documentation. I have more than enough documentation proving that I've been a legitimate XXXX XXXX since at least XX/XX/XXXX so I legally qualify to receive the EIDL loan. I'm including these attachments. Filenames are numbered as follows : # 1 I'm including a pdf from the Senate ( The Small Business Owners Guide to the CARES Act ), which states on page 7 that Independent Contractors are eligible to receive an EIDL loan. # 2 I'm including a pdf from the IRS defining XXXX XXXX. This document states " that an individual is an XXXX XXXX if the payer has the right to control or direct only the result of the work and not what will be done and how it will be done. '' This describes my relationship with XXXX, XXXX, and all other XXXX corporations with whom I'm in a business relationship. # 3 I'm including a copy of the CARES act page 10 naming " small business concerns '' as eligible to receive these emergency loans, which cites the Small Business Act ( 15 U.S.C. 632 ) for the definition of that term. # 4 I'm including a pdf of Small Business Act ( 15 U.S.C. 632 ), which defines " small business concern '' with the words " independently owned. '' # 5 I'm including a copy of the loan agreement that I signed with the SBA, qualifying me to receive this loan. # 6 I'm including a letter from XXXXthat confirms that I have had an XXXX XXXX relationship with XXXX since XX/XX/XXXX. # 7 I'm including a letter from Attorney XXXX XXXX attesting that I have an XXXX XXXX XXXX. # 8a-h I'm including further documentation ( XXXX rental agreement through XXXX ) that confirms that I began driving with XXXX in XX/XX/XXXX. I'm including first week of the month contracts for the months of XX/XX/XXXX through to XX/XX/XXXX, but I have 38 in total, one for each week. I can provide all 38 if requested. # 9a-h I'm including pay statements from XXXX for the first week of the month between XX/XX/XXXX through to XX/XX/XXXX. # 10a-d I'm including tax documents ( Schedule 1099 ) from both XXXX and XXXX for the year XXXX. # 11 In the off chance that XXXX will accept this, I'm also including an EIN that I received from the IRS on XXXX for another XXXX XXXX XXXX ( XXXX XXXX ) that I own. # 12 I'm including all 28 bank statements that show I have received continued payments from XXXX, XXXX, and other gig corporations ( XXXX XXXX XXXX XXXX and XXXX ) since XXXX of XXXX. # 13 And I'm including the letter that Chase sent me regarding this matter. This mountain of supporting documentation should be more than enough proof that I qualify for this loan. Chase has no legal authority to limit the documentation to documents that an XXXX XXXX is not required to have. The thing is they aren't even going after the loan money. I withdrew the EIDL funds and deposited it into a separate bank. Chase never asked for the funds back. They have frozen my personal money. This can't be legal. XXXX XXXX were named in Congress as being qualified for these loans. And I'm not the only person this is happening to. There are discussions on XXXX and XXXX detailing people who have had this same problem. I'm sure thousands of people across the country are having the same problem that I am. But on the other hand, people are reporting that they were able to get their funds unfrozen with tax documents and letters from a CPA or an attorney. Yet Chase won't accept these from me. I feel as if Chase is singling me out because the first operator I spoke to didn't like that I received the EIDL money. It seems apparent to me that Chase is acting on its own in a discriminatory fashion towards XXXX XXXX, other gig workers, and independent contractors in general. The documentation that Chase requires were not established by the SBA, the Treasury department, the Senate, or any other government agency. In fact I mentioned this to the last operator I talked to and she said they take discrimination claims very seriously and she would be sending me documentation so i could file a claim. I have not received this yet, and I don't expect to. Chase is clearly acting in an illegal fashion. I need this resolved. I need a cashier 's check in the amount of {$5200.00}. I also need a letter that I can provide to my creditors ( like my apartment office ) that any delinquency I had was because of the bank and not because of something I did.And I need the documents that I was promised about the discrimination claim. | ||||||
| 09/22/2019 | Yes |
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| I purchased a XXXX XXXX toddler ride-on two-seat car from XXXX XXXX on XX/XX/2019 with my Chase Amazon Visa card. The total amount for the car was {$480.00}. The item arrived on XX/XX/2019. On XX/XX/2019, the box was opened and the ride-on car was assembled, per the instructions. The ride-on car did not work/drive as stated. I contacted Amazon on XX/XX/2019 to report the defective item and request a return shipping label/replacement. I was asked if the box was damaged and I told them there were two small holes punched in the box ( it looked like for carrying as the box is large ) but I wasn't certain that the holes had anything to do with why it was defective. I was given the phone number to the seller ( XXXX XXXX ) to contact them as well ; Amazon sent them an email. The seller responded and asked for photos. I sent the photos back via e-mail on XX/XX/2019. On XX/XX/2019, I had not heard back from the seller so I called Amazon again. Another e-mail was sent to the seller. I called Amazon back because the email sent had incorrect information on it. I asked for a shipping label. So Amazon sent a 2nd email to correct the information and I was instructed by Amazon to call back and file an A-Z Claim if I don't hear back by Tuesday XX/XX/XXXX, XXXX didn't hear back. I called Amazon on Tuesday XX/XX/2019 as the seller did not respond to our request for a return shipping label. I requested to file an A-Z Claim. Later that day, I called Chase to ask how long I should wait, if Amazon doesn't resolve my issue, to file a dispute with my card. The woman I spoke with advised me to file now, so I did. I was not asked for any information or documentation at that time. She said she took good notes and that was all that was needed. I called Chase again the following week, wither on XX/XX/XXXX or XXXX to check the status. I was informed that nothing was needed from me and that I would be contacted if something was needed. On XX/XX/2019 the seller contacted me on my work phone. They were notified of the A-Z claim and told me to keep the product, close the A-Z claim and then when they verify it was closed, they would issue me a refund. Since that seemed odd, I contacted Amazon. I spoke to a manager ( XXXX ) who stated they shouldn't be calling me and that Amazon would contact them and tell them to stop. She also said if I close it, I could not re-open the claim. The next day, I received a voicemail from the seller stating that they checked and the claim wasn't closed and to call them when it's closed. I decided to call Chase on XX/XX/2019 to check the status of the dispute as I hadn't heard anything. I spoke to a supervisor, XXXX, who said my claim was denied because they received the seller 's response on XX/XX/2019 ; they state that they sent me a letter on XX/XX/2019 and that because I didn't respond by XX/XX/2019 they denied my dispute and closed my case. After asking questions about re-opening the dispute, XXXX finally answered that I could put it in writing to request my dispute be reopened. Since I never received anything in writing to request this information, I printed off all the e-mails and documentation as well as provided a narrative of events. The 78 page PDF was faxed to Chase ( attn XXXX ) on XX/XX/2019 ( I have the fax transmittal showing it went through ). On XX/XX/2019, I called Chase to verify that it was received and was told it was received in its entirety. I told Chase I would call next week to get an update. The letter from Chase with the seller 's response dated XX/XX/2019 indicated " This buyer did not request to return product back, simply kept the {$450.00} item and opened a charge back. '' The sellers answers to the questions " Return Requested : false ; Replacement Requested : false ''. That is not a true statement as I provided the e-mails from Amazon 's staff to the seller on XX/XX/2019 requesting a return/replacement ; multiple e-mails after that date from Amazon to the seller requesting a return ; and an e-mail that an Amazon Manager sent to me indicating that the seller has not been cooperative and has not authorized a return/label. I was told that Visa rules state that if I am sent a defective item not as described, I should not have to pay to return the item. Amazon told me that the seller needed to " authorize '' the return as well and that the seller needed to provide a shipping label. I contacted Chase on XX/XX/2019. I spoke to Raven who told me that my case was denied a second time. I asked to speak to a supervisor and was put on the line with XXXX. After explaining my story again, XXXX indicated that she would " expedite '' this to be reviewed and it would take 7-10 days. After that call, my sister instructed me to call back as the deadline to " file '' is the following day. When I made the XXXX call, where XXXX stated there were no notes that it was being expedited for review. I told XXXX that I would be filing a complaint with the CFPB because I didn't know what else to do. I called the next day and spoke with the supervisor, XXXX XXXX, who said there was nothing he could do to re-open it and he doesn't see any notes about the dispute being expedited or looked at. It was requested that XXXX send this to his supervisor, which he refused to escalate this to his manager. When asked for his managers contact information, XXXX gave the mailing address for the Executive Office. I've exhausted all of my options as I have made multiple calls to Amazon and to Chase, as well as spoken to the seller ( who falsely identified themselves as the shipper, not the seller ). The box has been in my living room packed up and ready to go since XX/XX/2019. I've even offered to drive it the 45 minutes to the Amazon Fulfillment Center closest to my home ( Amazon wouldn't take it they said because it's a 3rd party seller ). I am also planning to send in my documentation to the Chase Executive Offices and ask that they pull all of the recorded calls, as I was given inconstant facts and information from customer service staff ( as well as supervisor 's ) in the disputes department as well as untrue information. I requested that someone from the Executive Offices contact me and that didn't happen. It's my opinion that Chase failed to do their due diligence and dispute this charge as a not as described item. Chase did not tell me what documentation was needed up front, if any. I never received anything in writing requesting any documentation. Per Chase, they state they mailed me a letter after the merchant had already declined the dispute. I never received that letter. The information that I received from Chase has been inconsistent ( dates, time periods to process or filing dates ). In my opinion, Chase has not done their fiduciary duty. This purchase was defective ; I have verification/documentation that I attempted to get the item back to the seller within the return policy/period and worked with Amazon to resolve this issue as well. I've attempted to cooperate with Chase to resolve this and have been met with challenging and inconsistent customer service to say the least. | ||||||
| 08/04/2017 | Yes |
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| Early in the morning of XX/XX/XXXX my father-in-law, XXXX, XXXX XXXX. At this time, my husband and I were faced with many difficult decisions as it came to settling his estate, caring for my aging mother-in-law, and organizing XXXX services. Upon making arrangements with the XXXX XXXX for the XXXX, my husband I were informed that XXXX services would not be provided unless the payment was made in full, on that day. At this point, since my in-laws were living on a fixed income with no money in savings, my husband and I were forced to pay the {$10000.00} XXXX bill to ensure proper services and a XXXX plot. To add additional stress to our financial hardship, my mother-in-law, XXXX, was required to wait to receive her monthly income from the XXXX XXXX XXXX XXXX and the Social Security Administration until all necessary documentation regarding XXXX XXXX was processed. In addition to the expense of XXXX XX/XX/XXXX, my husband and I were now also financially responsible for XXXX as well, ensuring she had a place to live and food on the table. To further explain the burden we have experienced, XXXX had not received any type of income in between her XX/XX/XXXXSocial Security check and XX/XX/XXXX. We were 100 % responsible for providing the necessary support to her. On XX/XX/XXXX I contact the Customer Service Center to speak with a Representative regarding our family situation and my XX/XX/XXXX payment. We spoke about my family situation and set up a promise to Pay agreement. At the conclusion of this call, I believed based on my conversation, that I was required to make a payment on my account prior to XX/XX/XXXX. If this was completed, the late payment would not be reported to the credit agencies. In order to guarantee that the payment processed in time with the payment agreement I had made, I processed a payment on XX/XX/XXXX. I did so to ensure any issue with this payment would be able to be resolved before Close of Business XX/XX/XXXX. On XX/XX/XXXX, I received an email that there was a change to my credit score. Upon review, it became apparent that a 30 day late payment had been reported by Chase. I immediately contacted Chase Auto Financing to settle this issue, believing it was reported in error since I had adhered to the terms of my Promise to Pay agreement. Below you will find the timeline of my inquiry and communication with your Chase Customer Service Team XX/XX/XXXX ( Monday, XXXX XXXX ) - I placed a call to the Customer Service ( XXXX ) and spoke with several different individuals. Eventually I was placed in contact with XXXX XXXX. XXXX listened to my situation and told me she would file a ticket to have my called review. I was told by XXXX XXXX that the review process takes 24-48 hours, so I would hear back from her on Wednesday ( XX/XX/XXXX ), or Thursday by the latest. XX/XX/XXXX ( Thursday, XXXX XXXX ) - I placed a call to follow up since I had not received a call back in the anticipated time frame. The first woman I spoke with informed me that a ticket was not filed into the Chase System until Tuesday ( XX/XX/XXXX ) at XXXX XXXX and I would have to wait until the 48 hours had passed before I could expect a return call. I verified my work schedule and call logs and confirmed that I did not place a call on Tuesday at XXXX because I was in a work meeting and confirmed with my call logs that I placed my initial call on Monday, not Tuesday. I also mentioned that if the call was made on Tuesday at XXXX XXXX, Thursday at XXXX XXXX exceeded the 48 hour timeline I was provided. At this time, my call was escalated and I was put in touch with XXXX XXXX ( XXXX x XXXX ). XXXX listened to my story, verified my information in your system, and told me it looked although no official determination was made, it looked as though an update was entered by XXXX to send update information to the credit bureaus. At this time, XXXX submitted a ticket to have a response on my original inquiry ( Monday, XX/XX/XXXX ) and told me that I would hear back from him no later than Monday ( XX/XX/XXXX ) regarding the resolution to my inquiry. XX/XX/XXXX ( Friday ) - I contacted XXXX to see if any information had been found on my ticket. XXXX returned my call and informed me no additional information was available at this time, but he would contact me on Monday. XX/XX/XXXX ( Monday ) No phone call received. XX/XX/XXXX ( Tuesday ) - I contacted Chase and was eventually escalated to XXXX, who I was told was a manager. I explained my situation to XXXX and was assured by this individual that my information had been provided to XXXX XXXX XXXX, XXXX ( XXXX x XXXX ) and she would be contacting me by XXXX EST. XXXX XXXX EST - No phone call had been received XX/XX/XXXX ( Wednesday ) - I contacted Chase and spoke with several individuals, and was eventually connected with XXXX XXXX. I believe that XXXX XXXX spoke very condescending to me making several snide remarks ( interupting me while I was speaking, claiming my concerns were alleged allegations that had yet to be proven, and asked me Why I need this information so urgently anyway? ). As an individual employeed in the XX/XX/XXXX Industry for 10 year, I was put off and asked to speak with someone else, preferably a manager. I was told there was no one else for me to speak to, but his supervisor XXXX XXXX would contact me. I was then put on several holds and at one point was disconnected, not by my doing. After my conversation with XXXX had ended, I received a call back from XXXX XXXX. XXXX explained that my request to have this late payment removed from my credit report was denied. He informed me that my Promise to Pay agreement applied only to calls from debt collectors, and did not pertain to reporting to credit agencies. I understand that the Chase Promise to Pay agreement may not be in regards to the reporting to the credit agencies, but that is not what I was lead to believe upon conclusion of my call on XX/XX/XXXX. Myconcern was not to stop calls from debt collectors, but to ensure that my credit score remains intact. If it had been clearly communicated to me that this agreement in no way affect the reporting to the credit bureaus, I would have found a way to make the payment to ensure my late payment history remained pristine. Upon review of my credit report, you can see that I have never had a 30/60/90 day late payment and Ihave never had a 30+ late day payment with Chase . I feel that the systemic miscommunication from the Customer Service team, starting on XX/XX/XXXX and culminating on XX/XX/XXXX is what caused this misunderstanding and resulted in this negative blemish on my credit report. I am asking for Chase to be willing to extend a Goodwill gesture in light of the circumstances of my familys extenuating circumstances and financial hardship. In an effort show my sincere apology and desire to ensure this does not occur again, I am prepared to set my account on an automatic debit to ensure all timely payments moving forward. I truly appreciate the time you took to read this information and look forward to hearing your determination soon. | ||||||
| 10/03/2022 | Yes |
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| I recently formed an XXXX for my XXXX XXXX XXXX, and opened a business account with Chase to support my XXXX. My account was wrongfully terminated by Chase, by Chase 's own admission. And yet I still have not been able to recover all of my money. Thursday, XX/XX/XXXX I deposited 3 checks ( the first time I had ever deposited checks into this account ) via mobile deposit into my new Chase business account, one from Client A for {$1200.00}, and two from Client B for {$520.00}, and {$570.00}. I should mention that I have been working with Client B since spring of this year, so I have deposited a number of checks from them in my personal account without issue. Friday, XX/XX/XXXX I saw I had an email that my business account had been overdrawn by {$520.00} and frozen, so of course I immediately called the bank. They told me that this was because the checks I deposited were flagged as potentially fraudulent, and that I needed to provide phone numbers for the issuers of the checks in order to verify them. Okay, no problem. I provided the information, and Chase claimed that the phone number for Client B was not listed under public domain, so they were unable to verify it, but that they were able to verify the check for Client A. So then I provided them with the personal phone number of Client B 's finance person, who also happens to be their CEO, and Chase claimed that they were also unable to verify his number. Niether Client B nor their CEO have any other phone numbers... this is an established nonprofit, they have all of their paperwork in order. It makes no sense that Chase is saying the phone number is invalid. After going back and forth about this, the last person I spoke with advised me to wait until Monday, XX/XX/XXXX -- that perhaps the checks would clear, and in that case my account would be unlocked. Monday, XX/XX/XXXX By Monday the checks cleared, my account was unlocked and it showed that my balance was {$2200.00}. I was irritated by the hassle of the previous week, but everything seemed like it was resolved, so I was willing to just let it go as a fluke. Tuesday, XX/XX/XXXX I tried to transfer money from my business account to my personal account to pay myself. As soon as I tried to transfer, the business account was frozen again. I called Chase again to see what's up, and they told me they were closing my account because I was not able to verify the checks from Client B. Why had the checks cleared and my account been unlocked? No explanation. How would I get my money back? The rep said that perhaps I could recover my money if I went to the local Chase branch. Wednesday, XX/XX/XXXX I went to the local Chase branch. The teller I spoke to called the fraud department, and confirmed that my account had been closed because 10 days had passed since I had been unable to verify the checks from Client B. I had brought the actual checks with me to show her ( I keep all my paperwork just in case ), Client B even gave me their tax ID number as further proof. She said there was no undoing it, and that because my account had been shut down due to fraudulent activity, that I would be unable to ever open a business account with Chase ever again. Then she went on to reprimand me, that I should have deposited my checks in person since it was a new business account ( for the record, this is not communicated anywhere when opening a new business account with Chase, and it is strange to offer mobile deposit as a service if you're not supposed to use it ). She would not give me an answer as to why my bank account had been unlocked and why the checks had cleared, why my account showed that it had {$2200.00} in it ( leading me to assume that everything had been resolved XX/XX/XXXX ). I asked about what would happen with the money, she said that the checks " were returned '' -- the way she worded all of this implied that the money had been returned to my clients. I contacted my clients after this, nobody had received any money back from Chase. I decided to wait a few days to see if my clients would receive the money, and that brought me to this week. Sunday, XX/XX/XXXX I saw received a check from Chase, dated XX/XX/22 for {$1000.00}. Tuesday, XX/XX/XXXX I called Chase to inquire why the check I received for the " remaining balance ( s ) '' for the funds in my business account was only for {$1000.00}, and not for the full {$2200.00} that had been the original balance. The representative told me that Chase was withholding the {$1200.00} until it could verify the check from Client A. I told the representative that this whole time I have been told that the check from Client A had been verified, that it was the two checks from Client B that couldn't be verified and that was the whole reason my account was shut down. He claimed that no, the checks from Client B had been verified, that he needs the phone number to Client A in order to verify their check. I was baffled, but I gave them Client A 's phone number again. Unfortunately no one picked up on their end ( they are a small organization, nobody was in the office at that moment ). He advised that I go to a local branch tomorrow and have them call Client A again. Wednesday, XX/XX/XXXX After making sure that Client A 's accountant would be in office, I called Chase again to have them call Client A again. After being passed around to five different representatives ( because everyone kept claiming that this wasn't under their department 's jurisdiction ), I finally landed on someone who claimed they were the " front end '' fraud department. He claimed that the phone number I was providing for Client A is not the number they are registered under ( even though the literally the day before, the representative had accepted that phone number ). I do not know what database Chase is pulling these phone numbers from, but my client only has this one number. They are also a nonprofit, all of their records are under the phone number I am providing. I confirmed with the Client A that they have this phone number registered with the IRS and XXXX. Plus, Chase already verified this client 's number before, so how is it that suddenly this number is invalid? I asked how it is possible that Chase was previously able to verify this number, that my account had been terminated because they claimed that I couldn't verify the checks from Client B, and now the checks from Client B are verified, and the check from Client A isn't .... He claimed that I was previously dealing with the " back end '' fraud department, and that the departments operate separately from one another. Chase literally admitted to me that between the two fraud departments, that all the checks have been verified. The current issue here lies that their database that they verify checks through is outdated, and has an old phone number for my client. It makes no sense that the bank would allow a check to clear and be holding on to these funds if this check was indeed fraudulent. As the situation stands, Chase bank has effectively stolen {$1200.00} from me/my client. | ||||||
| 09/05/2018 | Yes |
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| I am filing a formal complaint against the following corporate entity : JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX, N.Y XXXX Re : File No. XXXX Fraudulent Complaint Case No. XXXX I have no contract with JP MORGAN CHASE who claim they were in possession of The Original Note and Original Mortgage Contract and lost it. Non-holders in possession ' '' must demonstrate possession of the note and that the transferor was the holder at the time of the transfer to the transferee in order to enforce the note ''. Federal Complaint Case No. XXXX and Case No. XXXX XXXX XXXX and their corporate clients defaulted. They also defaulted in the Circuit Court of XXXX County. CHASE attempted foreclosure three ( 3 ) times and are in violation of TILA, FDCPA, FCRA. They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, altering and forging of my signature on mortgage Notes, harassment and invasion of privacy. They are attempting to collect a debt on behalf of XXXX XXXX a deceased corporation. Violation under 18 U.S.C. 335 : US Code - Section 335 : Circulation of obligations of expired corporations, Whoever, being a director, officer, or agent of a corporation created by Act of Congress, the charter of which has expired, or trustee thereof, or an agent of such trustee, or a person having in his possession or under his control the property of such corporation for the purpose of paying or redeeming its notes and obligations, knowingly issues, reissues, or utters as money, or in any other way knowingly puts in circulation any bill, note, check, draft, or other security purporting to have been made by any such corporation, or by any officer thereof, or purporting to have been made under authority derived there from, shall be fined under this title or imprisoned not more than five years, or both. Willful Violation and they are all guilty. XXXX XXXX unethical attorneys are fully aware and deliberately failed to disclose to the court that JP MORGAN CHASE was sued by the FEDERAL BANKING REGULATORS XX/XX/XXXX, after their third attempt to fraudulently foreclose, for deficiencies with these same documents used in the previous cases. Therefore these documents can never be used in another foreclosure case. XXXX XXXX is fully aware because they represented CHASE each time and this is why they changed the name of the debt collector to XXXX XXXX to cover up the fact that they are using the same counterfeit documents they used when they represented JP MORGAN CHASE. They deliberately failed to disclose that they are representing JP MORGAN CHASE and not XXXX XXXX. They also changed the name of the debt collector to defraud me and to deceive the court. Attorneys behavior is dishonest, unethical and they are guilty of deliberate fraudulent concealment and misrepresentations. Therefore I claim all rights and protections provided for in Law, starting with the Verification of Debt under the Fair Debt Collection Practices Act and under TILA. They know just sending a bill for an amount and a letter is not verification of debt. JP MORGAN CHASE - REPEATEDLY Reported false information to XXXX and XXXX Credit Bureaus under a subsidiary called XXXX. They are guilty of false reporting, Identity Theft, Civil Conspiracy, INVASION OF PRIVACY and MORTGAGE FRAUD. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the ORIGINAL signed consumer contract any and all accounts they post on my credit. They are in violation. CHASE have persisted in their unlawful harassment and unethical conduct and proceeded to unlawfully sell/transfer the mortgage secretly without an appraisal and without my knowledge or consent. They use this method to place different entity names on the mortgage! All allegations and assertions made by CHASE, was done without my knowledge or consent and are specifically and generally DENIED. Such notification with Full Disclosure is mandatory by UCC and SEC Regulations, since the Promissory Note and the Mortgage package is a combined Financial instrument involved in Commercial Trade. XXXX letter dated XX/XX/XXXX Exhibit 5, claimed that the Original Note is in their possession after JP MORGAN CHASE and XXXX XXXX claimed they lost the Note. JP MORGAN CHASE fabricated Lost Note Affidavit is dated XX/XX/XXXX. XXXX XXXX v XXXX In this Case XXXX XXXX also claimed they lost the Note. Judge dismissed case, stating a Lost Note Affidavit is a fatal defect. Supreme Court ruling. Under FDIC regulations : DOCUMENTATION AS EVIDENCE.In any action involving a consumer, any documentation required by this section to be given to the consumer which indicates that an electronic fund transfer was made to another person shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made. https : //www.fdic.gov/XXXX JP MORGAN CHASE did not provide documentation to the name on account they transferred the funds to and how much. XXXX XXXX was sued for opening accounts without customers knowledge sets a precedent. They have demonstrated the lengths they will go to continue their unethical conduct. JP MORGAN CHASE repeatedly, willfully and intentionally violated my contractual rights and misuse of my personal information to fraudulently open accounts to borrow money without my knowledge or authorization. Violation of TILA. I have been receiving harassing and threatening phone calls and voicemail messages are saved. JP MORGAN CHASE and their attorneys at XXXX XXXX AND XXXX acts were willful, malicious and oppressive and were undertaken with intent to defraud. They engaged in conduct so despicable as to justify exemplary monetary penalties. United States Code Sec 471 : Obligations or Securities of the United States Whoever, with intent to defraud, falsely makes, forges, counterfeit, or alter any obligation or other security of the United States, shall be fined under this title or imprisoned not more than 20 years, or both. Willful Violation and they are all guilty. United States Code Sec. 473 : Dealing in counterfeit obligations or Securities Whoever buys, sells, exchanges, transfers, receives, or delivers any false, forged, counterfeited, or altered obligation or other security of the United States, with intent that same be passed, published, or used as true and genuine, shall be fined under this title or imprisoned not more than 20 years or both. Willful Violation and they are all guilty. Justice will finally be served when XXXX XXXX, and her facilitators and accomplices XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX with initials XXXX who the XXXX was unable to identify. she represented this case three times, the last time she impersonated an officer of the court was on XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( buyer and dealer in counterfeit documents ) and his representative, are incarcerated for minimum of 20 years for each count of fraud. | ||||||
| 02/07/2019 | Yes |
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| On XX/XX/XXXX I made a deposit at my local Chase Bank branch. I withdrew {$260.00} from my XXXX account at the Chase ATM, then backed up and went through the drive up to make a deposit. I deposited {$240.00} in cash and roughly $ 6k in checks. Later that evening, I realized that I had accidentally wrote {$140.00} in cash on my deposit slip, or so I thought.. so I ran down in to my garage and grabbed my deposit receipt. I was only credited for {$140.00} cash, and after looking at my deposit slip on my mobile app I had only wrote {$140.00} as well. I was puzzled that the teller did not say anything while I was there, but I tried not to stress it and figured it was just a busy Friday afternoon and on the next business day I went into my local branch. I spoke to XXXX, the branch manager, and I asked her if XXXX ( the teller ) was out of balance the prior Friday, and she said she was not sure and that we should go ask him. As we approached XXXX, we asked him if he was out of balance a {$100.00} on that previous Friday, and he claimed no, and that he had " balanced ''. XXXX then said that he remembered my deposit and said " you deposited XXXX XXXX 's '', I then said, " well, {$140.00} would be XXXX XXXX 's and I, in fact, deposited XXXX XXXX 's ''. XXXX, then went behind the teller line and pulled up XXXX 's electronic journal and said " Hmm, well he balanced and it looks like his cash detail states he had XXXX XXXX 's ''. I then requested them to pull cameras, as I told them I am 100 % certain that I deposited {$100.00} more than I wrote and was credited. XXXX informed me that it would take roughly a week, but that she would contact " XXXX XXXX ''. I agreed, and said I didn't mind waiting a week and that is what I would like to do. A week then went by, I went into the branch and XXXX said she still had not heard anything and that as soon as she did she would contact me immediately. Another week went by, still nothing, so I called the chase XXXX # and all they did was refer me back to the branch. Finally, over a month went by so on XX/XX/XXXX I called the branch and XXXX answered the phone. I asked if I could have XXXX 's manager 's phone #, and asked who the District/Regional Manager was. He tried interfering and asked if there was anything he could do to help. I said XXXX, its XXXX and I am just really baffled as to why I still had not heard from XXXX about my {$100.00}, so I would like to escalate this issue to her manager. XXXX informed me that the DM 's name was XXXX, and that she was actually going to be at their branch that afternoon and assured that she would call me, so I agreed to that. XXXX also called me shortly after and told me that she had tried to call me a week ago ( yet I had no missed calls or voicemail from her ), and that Chase had completed their investigation and would not be crediting me my {$100.00}. I was very upset and told her that I really needed to talk to XXXX ( her manager ) then. XXXX also assured me on XX/XX/XXXX that XXXX would call me. XXXX never called. I then called XXXX back on XX/XX/XXXX around XXXX and told XXXX I still had not heard back from XXXX XXXX and XXXX assured me that XXXX got " super busy '' the afternoon before and was going to be calling me on XX/XX/XXXX, so I said ok, fine. On Wednesday XX/XX/XXXX I called and asked for XXXX 's contact information and XXXX informed me that she " was not allowed to give out XXXX 's contact info ''. I was baffled, so I drove to another branch location and asked for XXXX XXXX 's contact information and they gladly gave me her business card. I then walked out to my car and called XXXX, I got her admin assistant named XXXX, and XXXX told me that she would have XXXX call me right back. At XXXX on XX/XX/XXXX XXXX finally called me back, and was so extremely disrespectful and rude to me. I REALLY HOPE THAT CHASE BANK RECORDED THIS PHONE CALL???? Anyways, XXXX proceeded to tell me that " it did not look like the odds were on my side of getting my {$100.00} back ''. I said well, hopefully you can pull the cameras then and see, because i am 100 % positive I deposited {$100.00} more than I got credited, and then XXXX said they camera footage was " inconclusive ''. Not sure why or how that is my fault, but XXXX then proceeded to insult me, and said that Chase not only does an investigation on their employees to ensure there is not employee theft etc, but that they also do one on their customers! I was not exactly sure what XXXX meant by that??? XXXX, then went on and said " and sometimes we find things out that are a little shocking about our customers ''. At this moment, I realized XXXX was trying to cover the branch and blame the missing {$100.00} on me??? Her tone, voice, and communication towards me just progressively got more disrespectful and rude. I asked XXXX why she had not returned my phone call like I was promised for 3 days, and XXXX said " I am busy!! I am driving around from branch to branch and don't make calls while I drive!! '' I said OK???, so you couldn't call me and let me know you were " too busy to call '', so that I would know when to expect your call?? I informed her that I am busy myself, but that her clients should come first? I mean, am I not important enough to get a return call? Was XXXX hoping I would disappear? That she wouldn't have to do her job and handle her clients?? I am not sure, but then XXXX said she would call me back on Friday, because that's the next time she had available to get back to me about my issue. This Friday will be 6 weeks that I have been waiting and trying to get this issue resolved with Chase Bank. I am honestly beginning to feel like something shady is going on here, and I am now going to be filing a corporate complaint. When did any bank/company/ business become " too busy '' for their clients, especially me, who is out {$100.00} from their own teller 's mistake!! I am very upset, and would like Chase to fix this. I've since called Chase in XXXX and filed a formal complaint against XXXX, but also in researching I found several complaints filed via Chase/Consumer protection etc against XXXX. I think Chase needs to do something here not only for me, but for the rest of their clients as I think XXXX is ruining this bank 's reputation in the tight community I reside in. XXXX is all about word of mouth, and everyone knows everyone, and now bringing this up to friends and colleagues I've heard more dissatisfied customer service stories about XXXX. I also found her on XXXX and saw that she used to manage a XXXX XXXX XXXX ... I think that is more XXXX 's caliber rather than Chase Bank. XXXX is rude, unprofessional and Chase should send her to a customer service seminar if they plan on keeping her around. My fianc has his business accounts with Chase, and is a very successful custom home builder, my parents bank at Chase, and my grandparents. They will all leave Chase Bank if this is how Chase ( XXXX ) is going to be treating me!! Please fix this!!! I have waited long enough, to now be put off by XXXX!! | ||||||
| 10/31/2020 | Yes |
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| This year we decided to research home loan refinance options and rates. After speaking with several different lenders, we selected a Loan Officer at Chase by the name XXXX XXXX. After speaking with Mr. XXXX about our desire to obtain an APR of 3.000 % or lower, and pay no points, he promised us that he would not pressure us to lock-in a rate until we were satisfied with one that met our expectations. On XXXX XXXX, we applied for a loan paying {$500.00} application fee which was to go toward our closing costs. Mr. XXXX consistently checked in with us and provided us with up-to-date interest rates. Each time he requested updated documentation from us, we quickly provided it to him. On XXXX XXXX at XXXX XXXX, we received a voice message from XXXX XXXXl who identified himself as Mr. XXXX manager. In the message he explained that our loan application had reached a point where we either needed to lock-in or cancel our application. We immediately called Mr. XXXX to inquire about the voice message and to find out why the call was made. Mr. XXXX was unaware that his manager had called and agreed to contact him to relay our initial loan expectations. On XXXX XXXX at XXXX XXXX, we received a second voice message from Mr. XXXX requesting a call back to discuss our loan application. Shortly thereafter, Mr. XXXX called and agreed to contact Mr. XXXX again. The following day, XXXX XXXX, at XXXX XXXX, Mr. XXXX left yet another voice message requesting that we return his call right away. We called Mr. Kyles and agreed to have a three-way call with Mr. XXXX later that day. At XXXX XXXX, Mr. XXXX called saying that Mr. XXXX wanted to speak to us NOW. Mr. XXXX said that the loan process had reached a point where he must get involved and he proceeded to pressure us, and what felt like bullying, telling us we needed to lock-in or withdraw our application. We asked why he was pressuring us and inquired about Chases lock-in policy. Mr. XXXX only repeated that the loan had reached a point where we either had to lock-in or cancel. He threatened to cancel the loan if we did not lock-in by Friday of that week. We explained that we did not intend to cancel but wait for an interest rate that fit our expectations. We explained to Mr. XXXX that if he needed to cancel our application ; we expect the application fee of {$500.00} to be refunded to us. He denied a refund but mentioned that if we applied again in the future, the fee would be waived. We expressed our displeasure about the company withholding the application fee since it was not our choice to cancel. Mr. XXXX agreed to speak with his district manager to determine if a refund was possible. He provided us with another option, which was for us to obta in three quotes from other banks so Chase could price-match ; however, that option came without a guarantee that the lower rate would be honored. Mr. XXXX threatened to cancel the loan if we did not lock-in, withdraw, or provide quotes by Friday, XXXX XXXX. After our conversation with Mr. XXXX on XXXX XXXX, we regretted that we entrusted Chase to handle our refinance transaction in an ethical and honest manner. We never imagined that our desire to have the best interest rate on our home would lead to being threatened and bullied. Furthermore, Mr. XXXX did not wait until the 11th to relay more bad news. He and Mr. XXXX called us again on the 9th, and Mr. XXXX said that his supervisor denied our refund and that he would be cancelling the loan. Once again, we inquired about Chases policy on the time frame to lock a rate and no time frame was provided. Mr. XXXX accused us of playing the market and even proceeded to give us a ridiculous analogy of going to a restaurant and not ordering anything. We requested the contact information for his supervisor, and he provided the name of XXXX XXXX, and a contact number of ( XXXX ) XXXX. However, Mr. XXXX did not hesitate to inform us that Mr. XXXX was already aware of our case leaving us with the impression that no one was going to assist us with our refund request. On Friday, XXXX XXXX, Mr. XXXX and Mr. XXXX called, and Mr. XXXX informed us that the loan was being cancelled and the application fee would be refunded. We asked Mr. XXXX to send us a confirmation email reiterating the conversation and asked him to acknowledge that it was not our decision to cancel the loan. He agreed to send the email and promised to do so immediately. One last time we asked Mr. XXXX for Chases policy about the time frame for locking an interest rate so we would understand the cancellation reason. At first, he did not give a definitive answer ; however, when we suggested that as a manager, he should know the banks policy, he finally told us 120 days. We had not yet reached 120 days, and this time limit was never disclosed to us prior. Mr. XXXX told us that he made a complaint on our behalf and when we asked if he included himself as part of the complaint, he told us he had. A curious statement he made out of the blue was to tell us that this would not affect our credit report. We are at a loss as to his meaning and the relevance, unless it was to instill fear of retaliation. As of XXXX XXXX, we have still not received the promised e-mail and/or refund, nor seen any complaint that Mr. XXXX claimed to have made on our behalf. On XXXX XXXX, we received a voice message from XXXX XXXX with Chase claiming to be responding to an e-mail she received from the lending manager XXXX. She requested a call back at ( XXXX ) XXXX, ext. XXXX. That day, we made seven attempts and were unable to reach her. See attached call log. On XXXX XXXX, we wrote a letter to Chase to file a formal complaint based on the unfair and disparate treatment we encountered with Mr. XXXX. And as a qualified written request for the refund of our application fee of {$500.00}. Mr. XXXX last stated he was canceling our application and would refund our {$500.00}. We informed Chase in this letter that if we did not receive a response within 30 days, we would file a formal complaint with the CFPB. Our letter was sent Priority Mail on XXXX XXXX, and received by Chase in XXXX, Ohio on XXXX XXXX. See attached letter, and USPS Priority Mail Tracking. After mailing our complaint, we have received two letters from Mrs. XXXX, one on XXXX XXXX, and the last on XXXX XXXX. These two letters refer to inquirys they received on XXXX XXXX, which were not from us. On XXXX XXXX, we each received an email from : no-reply XXXX stating that our loan application documents will be available for the next 30 days. This is the only confirmation to us that our loan application was in fact cancelled by Mr. XXXX. We would like to acknowledge Mr. XXXX extreme professionalism throughout this entire debacle and are saddened that because of his supervisor, he was not able to complete our loan process or receive the monetary gain that comes with it. As of today, XXXX XXXX, Chase has not responded to our complaint dated XXXX XXXX, nor have we received any refund. | ||||||
| 03/24/2020 | Yes |
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Web | Older American |
| i purchased a sewing cabinet online 6'x6'x7 ' high, huge cabinet - NEVER RECEIVED seller claims to have shipped NEVER RECEIVED you would think cabinet weighing 500-700 pounds wouldn't be difficult to find evidence of shipping - however shipper has been unable to provider same - JP Morgan Chase has taken the `` corporate policy Position '' that : " JP MORGAN POLICY IS THAT ALL CREDIT CARD PURCHASES ARE DEEMED FINAL AT THE POINT THE PURCHASER AUTHORIZES THE CHARGE '', IN OTHER WORDS THE SELLER IS NO LONGER REQUIRED TO ACTUALLY DELIVER TO THE CONSUMER WHAT CUSTOMER JP Morgan has lied to the XXXX SEVERAL TIMES, tried to trick the XXXX into closing their inquiry, here is the absolute honest facts : Scenario : Several months ago, a certain credit card holder of JP Morgan Chase Bank Visa innocently ordered a SEWING MACHINE CABINET from an internet seller subsequently to be identified as XXXX, FEEL FREE TO CHECK THEM OUT YOURSELVES. To the customers knowledge, FIVE MONTHS LATER : the seller has NEVER presented nor has the seller provided any evidence that a SEWING MACHINE CABINET was EVER shipped nor has a SEWING MACHINE CABINET ever been received by the customer NONE whatsoever! Not a shred NOTHING whatsoever! No shipping documents, no delivery documents, no receiving documents,,,,, NOTHING! Six weeks later not having received the order the customer notified the seller by email to please cancel the order. And as such the customer also requested Chase Visa to dispute the charge. As of today, five months later the cabinet has still not been received by the customer. For Chase the ethical business practice would have been to ; refund the amount charged to the Visa account to the customer and advise the seller to deal directly with customer INSTEAD Chase made a conscience business decision to take the most XXXX XXXX unethical business solution approach JP Morgan Chase Visa they could ponder up. JP Morgan Chase Visa made a conscience business decision defraud the customer : Chase made a conscience effort to bully and terrorize the customer : charging her several hundred dollars late charges and interest, terrorizing with threatening letters, turning customer in numerous times to credit bureaus for late payment, calling the customer all hours of the day and night several times a day, on numerous occasions out right lying to XXXX XXXX XXXX, again in essence using the XXXX XXXX most unethical business practices they could ponder up Chase Visa is the XXXX XXXX. The customer has over the last several months accumulated several hundred documents of back and forth communications with Chase always yes ALWAYS I said ALWAYS within 24 hours, XXXX Chase is taking the hear no see no say no approach anything to defraud and steal what they can from the customer in effort to cover up their incompetent initially mis handlings! As of today, the order still NOT received! AS FOLLOWS IS THE CUSTOMERS FINAL RESPONSE ( response 2 of 2 ) TO THE XXXX Customer final response to the XXXX : Dear XXXX XXXX Chase lied again to the XXXX, shame on XXXX Chase! Chase has continued to lie about the sequence of events, one outright lies after another outright lie about the sequences of events, one outright lies after lie after lie!!! I certainly did respond immediately virtually within minutes of receiving any/all Chase communication both email and mail ALWAYS without fail! To claim I didnt is another outright Chase LIE always a continuous stream of lies! ANYTIME Chase wants to polygraph I would welcome them versus me in fact I WOULD PAY FOR BOTH! Come out you XXXX XXXX XXXX XXXX XXXX XXXX lets make it happen! XXXX XXXX XXXX COME OUT YOU COWARDS!!! Chase you lied to XXXX claiming you mailed your response letter to the customer on Monday XX/XX/2020 when in fact WAITING until Friday XX/XX/XXXX to mail the customer response. YES, another example of Chase Visa XXXX unethical business practices! Why would Chase do that? Like I said another Chase XXXX XXXX unethical business practice : knowing that the XXXX closes all claims to XXXX at five days if no counter response is made by claimant. By holding the customer response two days and knowing it would take an additional 3-5 business mail to reach the customer ( that would be 8 days ) they could deceive the XXXX into closing the claim, another example of Chase Visa XXXX unethical business practice! Chase Visa this is NOT going away! Lied to the XXXX a flat-out bald face lies to the XXXX did not mail on the XXXX held 3 days before mailing! XXXX XXXX unethical business practice of Chase! Lied to the XXXX! AGAIN! Shame on XXXX Chase Visa. I actually believe and after reading this you will also believe Chase Visa draws straws to see which can fabricate the biggest outright lie. WOW, lying to the XXXX SHAME on Chase! Shame on XXXX Chase!!! And yes, I did save the envelope with the postage date, for future reference. Chase had every opportunity to get this right reversing the charge LONG before the seller CLAIMED to have shipped the product. However, with malice of forethought Chase made the conscious CHOICE to shove it up the customers XXXX RATHER than taking the CONTRACTUAL, honest, and ethical action XXXX XXXX unethical business practices! Why because it was easier to STEAL from the customer than to get the money back from the seller ( did I mention you could XXXX XXXX ) the simple solution months ago! In other words, Chase botched the dispute then attempt after attempt to cover up with a continuous stream of lies! Is Chase Visa criminally liable for constructive acts to defraud? Did Chase violate the the Consumers Protection Act? I IMPLORE Federal and State Attorney Generals of all 50 states to go after Chase Visa for XXXX XXXX unethical immoral breach of customer contract practices! This should be more than a GREAT example of a massive class action, after what I have experienced, I have to believe this has happened to hundreds if not thousands of other Chase Visa victims. I DEMAND full RESTITUTION, a FORMAL letter of apology and a complete cleansing of my credit history not to mention charter assignation, slander, liable damages! all because of the XXXX XXXX unethical immoral business practices of Chase VISA! As of today, I have still NOT received the SEWING MACHINE CABINET for which Chase STOLE {$190.00} PLUS {$400.00} from me! Had they done their job in the first place ( what they are contracted to do ) this scenario would never have occurred. Instead they lie after lie after lie bullying, threatening, and terrorizing customers! My credit rating once in the mid 800s never even remotely close to late payment for the most part always paying the entire balance PRIOR to receiving the statement all prior to CHASE terrorize and bully tactics! Bullying slandering character assassination collection calls late charges multiple lies to credit bureaus multiple lies to the XXXX,,,,, for {$190.00} sewing cabinet NEVER received! LIE AFTER LIE!!!! Thank You! | ||||||
| 08/30/2018 | Yes |
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Web | |
| I have been a Chase customer with excellent credit for many years and like to think of myself as a valued customer. However, my recent experience in resolving a credit card dispute proves otherwise. I ordered a recliner sofa from XXXX XXXX, an on-line company, using my Chase Freedom card to make the deposit in XX/XX/XXXX and the second and final payment in XX/XX/XXXX, the amount totaling {$5600.00}. At the time of the order, the XXXX XXXX salesperson assured us that it would fit through our front door. On XX/XX/XXXX, the sofa was delivered and arrived damaged. We observed this 300-pound sofa being unloaded from the truck on its arm. After unloading, it was forced through our front door. Although the recliners were functional, the sagging lower panels and bent-in arms were visible to the naked eye. We suspect at least some of the damage occurred trying to get the sofa through the door, which caused {$480.00} in damages to our doorframe. ( This was paid for by the delivery company, XXXX XXXX. ) We took pictures of all of the issues with the sofa using a ruler to prove that the sofa sagged on each end and a level to show that the arms bent in and were not perpendicular to the floor. In addition, the arms were loose. We refused delivery and the sofa was sent back to the warehouse. The next day we contacted XXXX XXXX by phone and sent an email to them with reasons for our refusal of delivery and pictures to support our claims. We also initiated disputes for the XX/XX/XXXX and XX/XX/XXXX payments with Chase Freedom. On XX/XX/XXXX, we received an email from XXXX XXXX advising that the inspection was completed and the sofa operated normally. None of the items documented in our letter and pictures were addressed in this email except their assertion that the arms were not loose. ( We disagree. ) It should be noted that the inspection was performed by XXXX XXXX senior technician. We believe XXXX XXXX had a vested interest in ensuring the sofa passed their inspection, as they would be held responsible for damaging the sofa in shipment. We also believe that the damage occurred during shipping or when it was forced through our doorway, causing the {$480.00} damage to our doorframe. We were given two options : 1. redelivery of the same sofa or 2. pay a 50 % restocking fee for the damaged sofa that we refused delivery on. We did not want redelivery, as the sofa would still be damaged and more damage would occur to the sofa and our doorframe when forcing the sofa through our door. They also stated we could order another sofa from them, but we had no desire to repeat the experience with this merchant or XXXX XXXX. In a letter from Chase dated XX/XX/XXXX ( received on XX/XX/XXXX ), we were advised by Chase to provide our response to them by XX/XX/XXXX. We compiled a detailed response including pictures to support our claim and sent via USPS Priority Mail on XX/XX/XXXX. We sent Chase a secure message via their site advising them of our actions. According to the US Postal Service, our response was received on XX/XX/XXXX, a day before the XX/XX/XXXX deadline On XX/XX/XXXX, we checked our balance on our card and discovered the disputed amounts totaling {$5600.00} had been charged back to our account. When we called Chase, we were advised that they made the decision before our paperwork arrived at the correct department. The reasons given for denying the disputes were that we didnt return the merchandise or make arrangements for the merchant to pick it up. This is totally untrue, as we refused delivery of the sofa. All correspondence from the vendor and myself clearly states this. We were also advised that the merchant stated we did not like the sofa, which was the reason for the return. That is also totally untrue ; we refused shipment because of the damage. We verified with Chase that they did receive our response and they advised that we could reopen the disputes, which we did on XX/XX/XXXX. We also sent a secure message via Chases website expressing our concerns that no one was looking at the information specific to our case when making their determination. We asked Chase to use all available information when resolving our dispute. On XX/XX/XXXX, we received correspondence from Chase ( dated XX/XX/XXXX ) denying our dispute. The reasons cited were the merchant is not willing to credit our account and isnt required do so because the charge took place too long ago. We immediately called Chase to discuss this and were told by a supervisor that we did everything correctly and in a timely manner but there was nothing she could do because we ran out of time. We didnt run out of time ; Chase did. They provided a bogus reason for denying the dispute on XX/XX/XXXX, citing we didnt return the merchandise, which is untrue. When we reopened the dispute because of Chases error, even more time had passed and shortened the time available to review our case. The lack of urgency and failure to review our case within the time limits must be born by Chase. Instead, it was easier for Chase to blame it on time limits rather than take responsibility for their failure to act in a fair, timely manner. The first decision based on the untruth of our not returning the sofa, and the second decision based on the merchant not being willing or required to credit our account because of the time limits, indicates that the facts of the case as outlined in our detailed response were never reviewed by Chase or considered when issuing their dispute denial. Our case deserves more than that. We intentionally use our Chase credit card to protect ourselves in situations like this. Chase did not provide that protection and did not even thoroughly review our case but basically rubberstamped their decisions. The reason for the first denial was that we didnt return the merchandise it is obvious that Chase did not even read the paperwork. The second denial was based on the merchant being unwilling to credit our account. Leather Shoppes untruthfully stated that we didnt like the sofa and asserted that the sofa was not damaged, even though we provided pictures that show otherwise. Chases decision is based on the XXXX XXXX ' untruth and the word of XXXX XXXX technician, who is contracted by the merchant. Chase chose to believe those with a vested interest in protecting XXXX XXXX and XXXX XXXX rather than the evidence provided by the customer who they are supposed to protect. In addition, Chase said that the charges were too old, even though we did everything in a timely manner. If there was any delay, it was Chase not responding to us promptly after we reopened the dispute on XX/XX/XXXX. And, if Chase had used the information they had available on XX/XX/XXXX, the time limits may not have been an issue. We were never advised of any time limits except having our response to them by XX/XX/XXXX. This case has been mishandled by Chase from the first denial. It is not our responsibility to pay any amount for damaged goods. Chase should have protected us and did not. | ||||||
| 01/13/2020 | Yes |
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Web | |
| There was recently some suspicious/fraudulent activity that happened on my XXXX XXXX account shortly after the realization that I lost my debit card. I contacted my bank during the first week of XXXX because there was a block on my account which had never happened before. I have had this same Checking Account with Chase for about 4 years now. I bank directly with the branch in XXXX XXXX, FL and sometimes I go to the branch in XXXX, FL if I am not in the area. My transactions have been consistent for years, I have the same direct deposit every two weeks, teller assisted withdrawals every two weeks in XXXX XXXX to pay for Daycare, similar spending habits and bill pay online, I use XXXX for rent, and my debit card for XXXX and XXXX. So it did not make any sense as to why there was a block in the first place that day. I called to get the block removed, although by that time I made my purchase with cash while I was out. About 4 days later I realized I lost my debit card when I kept getting notifications to authorize large deposit and withdrawal transactions to my email while I was work. I did not authorize nor did I have anything to do with these transactions.I just read the emails and proceeded to calling Chase customer service to find out what was going on. The random deposits happened around XX/XX/XXXX coming from a merchant named XXXX XXXX which I researched and turned out to be a money lending company. I did not request any loans from them or anyone for that matter. I work full time for the school board and I get paid every other Friday. These false " deposits '' where made and almost instantly withdrawn from my account during the same day. There was one in the amount of {$400.00} and two in the amount of {$500.00} that where first deposited and then withdrawn for the same exact amount. I knew something was wrong and I called Chase to report it. They blocked my debit card again, said they were sending me a new one in the mail and they would rectify the issue on my account. It took about one and a half to two weeks for a reversal of funds to be made on my account. Mind you, I never authorized nor filed for any loans so that reversal of funds should not have been made to my account it should have been returned to wherever they came from. I called Chase again to take those funds out of my account. I spent alot of time on the phone being transferred to different representatives in different departments until they told me they would return the funds to " the merchant '' which I am assuming is wherever the funds magically came from in the first place. They then proceeded to reverse the funds I believe on or about XX/XX/XXXX to the merchant and after the whole ordeal my account was finally back in order with my own transactions, deposits and real use. Later, on XX/XX/XXXX I notice that there was a duplicate reversal in the amount of {$400.00} and two in the amount of {$500.00} from my account again. Along with that reversal my own personal funds that was from my paycheck from work which was about {$150.00} was taken out of account leaving me negative almost - {$1300.00}. I called Chase to ask why a reversal for the same amount was done in the end of XXXX and then again a few days later and that there had to be a mistake. The first guy on the phone was helpful and trying to get me to understand that it was a mistake. He then proceeded to tell me that it wasn't a mistake that Chase had denied my fraud claim and reversed all that money from the original fraudulent deposit/withdrawals from me and that now I owed the bank which I still didn't understand. He then transferred me to a " supervisor '' which I am not even sure if it was a supervisor lady who told me my claim was denied because there was " no incorrect pin attempt ''. I do not know how or why there was no incorrect pin attempt or even how these attempts where made so I asked if she could give me more information regarding the investigation and who, how, and where these attempts had taken place. She was very vague, told me she was very sorry and that my next step was to contact the police. I didn't know what I was supposed to tell them since I had no idea how or where or the exact time frame I lost my card, or where these funds came from or who withdrew them from the account the month prior. I cried and waited a day to cool down and I was just going to give up and loose my checking account and the fact that they took my actual funds in the amount of about {$150.00} which has already left me two weeks behind on child care. I make {$820.00} every two weeks, I XXXX about {$460.00} every two weeks for rent and pay {$33.00} for internet, about {$150.00} for XXXX and {$90.00} for car insurance monthly with my paycheck money. I do not ever deposit or withdraw such large amounts like $ XXXX out of nowhere. So I called again asking to please get more information about the investigation they said they made to see if they knew where or how this happened. The guy I spoke to that time placed me on a long hold and when he finally came back was so rude rushing me off the phone saying he couldn't send me a report of their investigation ( probably because they never did one ) and then proceeded to tell me the most ridiculous thing I ever heard anyone say " this happened at an ATM you normally use ''. Right then and there I realized Chase never did an investigation at all. Its so easy to see because I do not normally use ATM 's and I knew he was lying. I normally withdraw {$130.00} from the teller in XXXX XXXX because its not an even amount an that's what I pay the daycare, I use XXXX and pay my two other bills online. That's how I knew they just simply made up something about no incorrect pin attempts/ and then made up that I normally use ATM 's -- they didn't actually look into the claim at all. And to make matters even worse on their end, I called again to get his name so that I can file this claim and give you his name, because he lied even more saying he couldn't send me a report of their investigation but if they had really done an investigation why wouldn't I have the right to see a copy of that report??? The lady that answered said she would look in the notes and didn't give me his name she tried to persuade me by saying she would send me a letter as to why my claim was denied. Which was just a letter saying " NO INCORRECT PIN ATTEMPT ''. And on the phone she gave me a little more information saying that the ATM where the withdrawals happened were in XXXX, FL and some other city I can't remember which are like an hour south of my workplace and my home. SO after all of this I realize they never investigated the claim, they wont send me a copy of this non-existent investigation, they withhold their names and they want to send my account to collections and take my only funds I had that actually belonged to me. I would like to know if there is anything else or anyone else I can reach regarding this, and see if they can properly review and investigate the claim. | ||||||
| 10/18/2020 | Yes |
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Web | Servicemember |
| Fraudulent charges were made on our Chase credit card between XX/XX/XXXX to XX/XX/XXXX. Chase has dismissed these charges as not being fraudulent. Chase responded to our first complaint on this website XX/XX/XXXX. We thought our case was being investigated, and had been submitting documentation after XX/XX/XXXX. We feel the new evidence we provided was overlooked and not reviewed or taken into consideration by the Chase fraud department. We had received the exact same letters from Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, stating how Chase had confirmed the transactions as valid, but there is no explanation or supporting evidence as to why the transactions are valid. We strongly disagree as Chase has no substantiation supporting this claim. My husband is the primary card holder and Im an authorized user under the name XXXX XXXX. The credit card numbers and expiration were the same on both cards. The last purchases by us were made on XX/XX/XXXX on the Chase credit cards as shown on the XXXX Chase statements. On XX/XX/XXXX, according to my XXXX bill statement, my husband made a call to Chase at XXXX. I believe this call was made to cancel the card, but I would like Chase to clarify the specific details entailed in the call. After this call, no transactions happened on either of the cards until XX/XX/XXXX, which is almost 4 weeks! That is very unusual, as both my husband and I primarily prefer to use the Chase credit card for most of our purchases. During the time frame of XX/XX/XXXX to XX/XX/XXXX, the primary card holder, XXXX XXXX, had not made any purchases on his Chase card. The XXXX XXXX history on his phone shows his exact locations during that time frame. These were also submitted to Chase, as well as his work log history. On XX/XX/XXXX, transactions were processed using my card chip read, but those transactions were NOT made by me. From XX/XX/XXXX to XX/XX/XXXX, {$3200.00} in fraudulent charges were processed using the authorized users card chip read. Unfortunately, I dont have XXXX XXXX keeping history of my past locations, and XXXX XXXX did not have my location either. I contacted XXXX to ask for past location history, but they stated how that information is only accessible during a limited time frame, and so I was unable to provide that information. I was only able to obtain 2 past receipts showing date, time, and location during the time fraudulent charges were being made I do not believe that Chase has any physical video proof ( or any other proof ) of those purchases being made physically by me that would validate Chases claims of the charges being NOT fraudulent. I have contacted merchants as Chase had suggested. I spoke with a Senior Specialist at XXXX over the phone, and went to my local XXXX store. XXXX representatives found and logged all the fraudulent charges, giving us a case number ( which was also forwarded to Chase ). XXXX said video footage would have been available, but when I went to the store they told me because so much time had passed, the footage would no longer be available. Both the Senior Specialist and the local manager of the store said to go back to Chase, as it is the credit card company 's responsibility. I also submitted a receipt of a purchase I made at a XXXX XXXX store on XX/XX/XXXX at XXXX. I used my visa debit card, and this charge also appears on my statement which was also submitted to Chase. The XXXX XXXX store is 5.3miles away from the XXXX store where a fraudulent charge was being made on XX/XX/XXXX at XXXX, with the chase card ending XXXX XXXX XXXX, of the amount {$360.00}. It would take me 13 to 15 minutes to drive from XXXX XXXX to XXXX ( verified by XXXX XXXX ). That time doesnt include parking, walking into the store, and making purchases. {$1700.00} was spent at XXXX within 2 weeks. Multiple purchases were made on the same day at different times. These transactions do not reflect my spending pattern with Chase in the past 8 years. Here is a list of all the Fraudulent charges made at XXXX between XXXX and XXXX : XX/XX/XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX ; XXXX {$200.00} XX/XX/XXXX XXXX {$360.00} XX/XX/XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$10.00} XX/XX/XXXX XXXX {$1.00} XX/XX/XXXX XXXX {$23.00} XX/XX/XXXX XXXX {$29.00} XX/XX/XXXX XXXX {$41.00} XX/XX/XXXX XXXX {$33.00} XXXX XXXX {$21.00} Things included in these purchases were : {$800.00} of XXXX Visa prepaid gift cards, a {$50.00} XXXX gift card, a {$50.00} Airbnb gift card, and 2 {$25.00} XXXX XXXX prepaid dining cards were purchased during these transactions, totaling {$950.00} in gift cards. On XX/XX/XXXX, 7 purchases were made at my local XXXX store. Cigarettes were purchased during these transactions. My husband and I do not smoke, and have never purchased cigarettes in the past 8 years we have had the Chase card, nor have we purchased cigarettes with any other card we own. I spoke with the manager of the store, and he told me they keep video footage for about 1 year, but it is only available upon legal request. XXXX also has an online store receipt history : XX/XX/XXXX XXXX, {$20.00} XXXX, {$11.00} XXXX, {$6.00} XXXX, {$26.00} XXXX, {$31.00} XXXX, {$20.00} XXXX, {$18.00} Im finding it hard to understand that in one hour and eleven minutes, all these purchases were made and Chase doesnt consider this fraudulent, did not alert us, or decline payment as they did on XX/XX/XXXX when a purchase was made at the XXXX store for {$310.00}. If Chase was able to decline a purchase made on XX/XX/XXXX for {$310.00}, why were they not able to put a block on the card on XX/XX/XXXX where 7 purchases were made within an hour? Did Chase not find this activity unusual? Or is this a normal consumer spending behaviour that would not trigger their fraud alerts? My husband received a text on his phone from Chase on XX/XX/XXXX. The text asked him if these XXXX purchases were made by him, to which he replied No. He responded late, and we didnt follow up because we had assumed the card was already cancelled based on our call history. This was an error on our part, but how can we be held accountable for this? We suspected this informal alert to be a scam. Several purchases were also made at a liquor store, My husband and I are XXXX ; we dont drink alcohol and we have never made alcohol purchases at a liquor store with our Chase card, or any other card we own. If Chase reviewed our spending pattern and history with them, they would clearly see this. Many of the merchants I went to didnt offer much assistance and told me to go back to Chase. Weve submitted a police report, and all the documentation and proof we could access to Chase. Weve spoken to a countless number of people at Chase who have offered minimal to no assistance. Every time we reopen the case for thorough investigation, Chase shuts it down. Chase has not dealt with our case fairly or responsibly, showing no compassion to a loyal customer of 8 years. | ||||||
| 03/17/2023 | Yes |
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Web | |
| To whom it may concern : Today we learned that our savings and checking accounts at Chase have been frozen and funds have not been accessible. We are unable to pay bills, withdraw money for living needs. We are a family of XXXX people, including XXXX minor children, XXXX XXXX aunt and XXXX dogs. Upon being declined a XXXX payment, XXXX called chase customer service, was bounced around 3 fraud departments, only to finally land with the Compliance Department at Chase. A very rude man indicated that there is a missing document on these trust accounts and the accounts are out of compliance. The man did not want to hear anything. He simply said its out of regulation and to contact the branch. These accounts are about a decade old. XXXX and I have been chase private clients with the bank for many years now. Just on XX/XX/2023, XXXX went into the XXXX, NY XXXX and opened up a CD account in the amount of {$200000.00} with XXXX XXXX. When XXXX came home, I saw the receipt and noticed that on it was an address for XXXX XXXX, in XXXX CA. This was our rental home about 6 years ago. This is now 4 houses ago for us, as we moved 4 times since then. XXXX immediately emailed XXXX ( on XX/XX/XXXX see attached email PDF ), to advise her that the address is strangely incorrect. He asked her correct the address. This was very bizarre because we even had a mortgage with ChasXXXX for XXXX XXXX, a house we purchased after we moved out of XXXX XXXX. We receive other tax statements and account notices on our current New York address. It was very bizarre that the XXXX address was used when we have since purchased a home with Chase at XXXX XXXX and have since even moved twice from XXXX and receive our statements at XXXX XXXX XXXX, XXXX NY XXXX address for over 2 years now. Anyway, XXXX sent XXXX the email to update the address and assumed she did it. Fast forward to today, XX/XX/2023. We learn about a freeze on our checking and savings accounts. We are told we can not get to the money. We are explained that there is a notarized document that is required for XXXX and I to sign and turn in as settlors of the trust. We are told this document was not collected from us 10 years ago when we opened the trust account and now compliance picked up this issue 10 years later. We are then told that a notice was sent to us on XX/XX/2023 to this effect to XXXX XXXX address in California. We are also told that even though the notice was only sent on XX/XX/XXXX, the account was frozen on XX/XX/XXXX ( only XXXX calendar days later ). XXXX is in California this week and Im in NY. We can not get to a notary until Saturday, at which point the document wont even stand a chance of review until next week. We are without money, with bills bounced back and payroll that was sent on XX/XX/XXXX which I can not get either because it went to the checking account. We pleaded with the bank manager at XXXX NY XXXX ( XXXX ), to contact compliance and explain the situation to them. Explain that we never got the banks notice. Explain that the bank had an incorrect address for us for unexplained reasons. I asked XXXX to explain that we asked XXXX to update the address but she never did. All I got back from XXXX was I have been working with the bank for 20 years its compliance department they will never unfreeze your account. I was mentally broken down. I have been unable to function the rest of the day. I can not look the kids in the eyes- we have no money to function. On Sunday this week XXXX and I are accompanying students to XXXX as supervising faculty of XXXX University on a global health mission trip. XXXX returns from CA on Saturday morning. We will be running to a notary to get the paper for the trust notarized and will pray that when we submit it on Saturday at the bank that someone will follow up and send it to Compliance so that they can review and unfreeze our account. We feel completely abused by the system and are victims of this situation. When I went online to chase.com and look at my accounts, I dont see any sign of any notices that have gone out on our account. No one called us to tell us we have some paperwork missing form 10 years ago that urgently needed to be done. No one emailed us. There is no notices on the account ( see screeshot of account that shows no notification past 30 days ). We have never been notified by letter, email or phone to advise us of an deficient trust account papers and have been using these accounts for over a decade. Even so, the bank claims they sent this notice on XX/XX/2023. How can they send a paper document on XX/XX/XXXX and then freeze our accounts only XXXX calendar days later on XX/XX/XXXX without further notice. This created such an unsafe situation for our family. We are stranded. Im unable to pay XXXX for XXXX. We paid IRS tax bill with a check that will bounce since the account is frozen. We are leaving the country on Sunday and I can not even get a couple of XXXX dollars in cash to have on me and to leave for my kids while we are away for a week. This is humiliating, demeaning. I have never been victimized like this by a banking institution and never imagine this kind of treatment from Chase bank, let alone for private chase clients. And for clients who just opened a CD account not even 10 days ago. I am requesting urgent review of this matter. I am requesting immediate extension of the remedial action compliance has identified to accommodate the lack of proper notification of the matter and the numerous mistakes made with the handling of the accounts, including wrong address use for mysterious reason when opening CD account on XX/XX/XXXX. Please unfreeze the account so that the family can continue to survive, function, pay bills, receive paycheck. We are working to get the document for trust notarized, but would like humane treatment and reasonable timeline to fix this issue that the bank has failed to tell us about for over 10 years. Its not our fault the bank didnt ask to get this done when we opened up a trust account. Why are we made to suffer for this oversight from the bank from over 10 years ago? Why are we not given reasonable notice and reasonable amount of time to address the issue? XXXX and I are law abiding citizens, health professionals who work on the front lines every day. On top of that, I am educator and work at XXXX training students to become healthcare providers and good citizens of the world. We have done nothing wrong and do not deserve to be cut off from our hard earned money. Chase please redeem your name and reputation. Please send a kind, compassionate, smart person our way to review the situation and help address appropriately. It has been a stressful 12 hours. I am worried sick about this situation. The branch personnel and the compliance person on the phones so far have not been kind or helpful to understand and intervene on the situation. It just feels like no one cares. I have never had this experience in any bank, let alone Chase. Please fix this. | ||||||
| 07/19/2022 | Yes |
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| During the process of purchasing my Co-op apartment and obtaining a loan from JP Morgan Chase Bank through its home lending team, I was misguided and provided incorrect information causing an extremely difficult and unacceptable experience. In particular, I was given incorrect information and details and advised poorly by mortgage officer and loan processor regarding locking my interest rate, causing detrimental financial repercussions on my rate and payments going forward. Below are details regarding my case. I received my commitment letter by XX/XX/2022 ( when the interest rate was about 3.5 % ) and started my XXXX board application right away at that time. As I noticed rates rising then, I asked my mortgage officer ( home lending advisor ), XXXX XXXX about locking a rate numerous times since XXXX so that my monthly payments would not become unaffordable for me. During our phone calls, he responded that " rates are going up like crazy '' and stated more than once that the " right thing to do is to wait for board approval before locking a rate ''. The reason he provided not to lock a rate before was due to extension fees ( which he stated were .125 % for 30 days, and .125 % more for every additional 15 days ) as well as other unanticipated issues that may arise before closing. He did not clarify that it was .125 % of the loan amount or that it came out to less than {$290.00} for my loan amount ( of {$230000.00} ). Instead, he described these extension fees to be " a lot of money '' and said he was " trying to protect '' me from extension fees which are a " waste of money '', misleading me to believe his suggestion to lock rates would be in my best interest, When I asked regarding locking a rate early and possibly paying potential extension fees to given the market condition, he also asked me more than once " do you want to gamble '' and did not provide the information or numbers needed to be able to make an informed decision. I want to highlight particular examples both verbally and in writing which misled and deterred me from locking a rate below and provided me with incorrect information. On XX/XX/2022, the guarantor for my co-op board application ( and Chase Private Client ) went to Chase bank in XXXX, XXXX to deposit gift funds for my down payment. She asked XXXX XXXX, our mortgage officer there regarding locking rates soon due to the rising interest rate creating more challenging monthly payments for me, and XXXX replied that it should be done after board approval and depends on board approval. He also said otherwise there would be substantial fees to pay. My loan processor, XXXX XXXX emailed me on XX/XX/XXXX regarding an update with XXXX copied, and stated that after receiving board approval, obtaining insurance and completing my lien search, XXXX would then lock my rate. ( Please see email attached below ). " Now we just need for you to obtain board approval. Once you do, you will need to purchase your insurance and we will order your lien search. After that XXXX will lock in your rate, I will send you your initial closing disclosure and then we will receive the clear to close. '' This directly incorrectly informed me that rates get locked after board approval, similarly to XXXX 's message from numerous conversations indicating that would be the right thing to do. While XXXX was copied on this email, he did not respond and I never stated or agreed to lock a rate after board approval. On the evening of Tuesday, XX/XX/XXXX I called XXXX after reading and seeing on the news the Fed will almost certainly raise the rates in their meeting the next day and likely cause a spike in mortgage rates. I called as I was concerned and ready to lock a rate since I just submitted my co-op board package. I asked XXXX regarding information and numbers to be able to make an informed decision on whether I wanted to go ahead with a lock and if it would be worth the potential extension fees to me. I was not provided the numbers or information and was again told, like I had been multiple times that the right thing to do is to lock after receiving board approval. By the following week, rates went up substantially on the Chase mortgage rate website ( increasing by about 0.4 % to 0.5 % with XXXX point being purchased, since XX/XX/XXXX ). It became a very difficult situation for me with monthly costs becoming unaffordable and I dug and researched extension fees and mortgage calculators on my own since I did not receive figures or explanation of numbers or examples from XXXX. I then saw that the extension fee was only .125 % of the loan amount, totaling {$290.00} ( for 30 days ) and called XXXX on Thursday, XX/XX/XXXX to confirm this information. I urged him to provide the specific rates and points for 30 days and 45 days at that time. That was the first time the numbers were provided and explained to me despite asking for them a few times earlier. I also asked XXXX what his logic was previously for advising locking a rate after board approval. He stated it was because he did know rates would rise so much. However, this reasoning did not make sense as even a minor increase would make it worth paying extension fees and poor judgment was shown in stating the right time would be after board approval. After the call I calculated amounts and tried to understand all this information I just received. On Friday, I asked regarding rates and points again order to lock, but the rates went up again. XXXX also emailed me the mortgage calculator for the first time that day. As rates continued to rise with a slight drop early the following week on Tuesday, XX/XX/XXXX, I felt I had to lock my rate then before I could no longer afford my monthly payment. I locked at 4.15 % for XXXX points, though I was told this may not be possible as closing expenses could exceed 4 % of the loan amount, requiring a higher rate of 4.25 %. Throughout this process, I was misled, misguided and deterred from locking a rate since I initially asked about doing so in XXXX. The inadequate information and improper verbal and written guidance I received repeatedly was unacceptable. This has had substantial financial repercussions costing me tens of thousands of dollars and warrants financial reimbursement. I informed my mortgage officers manager, XXXX XXXX and escalated the case to the Chase Executive Office for a resolution and monetary reimbursement/credit. It was shocking and disappointing that the Chase executive team took no accountability for its employees ( loan processor and mortgage officers gross negligence and irresponsibility. Their reason they gave for not offering any monetary credit was because disclosures regarding rates were previously provided ). However, as stated I was provided with incorrect information both verbally and in writing after those disclosures. I appreciate you reviewing this closely and taking the appropriate actions against the home lender. Please feel free to reach me with any questions. Thank you. | ||||||
| 07/24/2019 | Yes |
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Web | Servicemember |
| I am a XXXX XXXX XXXX military veteran, I am award this XXXX through the VA, it is XXXX, XXXX, and service connected. I retired in XXXX of XXXX after nearly 27 years of XXXX XXXX service, released with an XXXX discharge. As a career XXXX XXXX, I held myself to the highest standards in all regards, and I was also held in the same light by my peers and everyone else is my chain of command, purview, both professional and business related, as I should be. I obtained a mortgage with Chase in XXXX. I was current on this account up until the credit report indicates. Following the XXXX financial crisis and a subsequent 9-10 month period of unemployment waiting for a new job opening, I began down the road of a significantly more exacerbated being unemployed, and still having to maintain support for XXXX children at that time. I received assistance from family members as best that they could help, I was still falling way short and the nine or ten months unemployed was devastating, I was employed again in XX/XX/XXXX, as a XXXX XXXX XXXX XXXX following a career of 26 years as a XXXX XXXX. The ability to catch up, meet my XXXX XXXX obligations and every other commitment path popped up and had been previously committed too was daunting. At one point I had made the decision to declare bankruptcy, I had obtained an attorney, and began the process, although the lawyer was competent and highly specialized in this field, the process ran into a problem with some matters of tardiness with some matters that were out of my control. During this period of time I made an initial attempt to refinance with Chase Bank through their military department, I submitted my request over and over again and it did not come to fruition, I ran into a variety of delays and set-backs over months of time, one of those were a seemingly unexplainable inability for me to successfully send my documents to Chase and have them receive them, even when I attempted these deliveries from the Chase bank in XXXX, CA. I took a pause from my refinance attempts after a sustained effort to obtain that refinance through the military department at Chase. I decided to attempt this refinance once again through the military service department at Chase. I was connected with a young lady who worked there named XXXX XXXX, she was an amazing representative, timely, positive, straight forward, and professional. I was approved for this loan after a short period of time, it was so appreciated after taking many financial hits over a rough period of time, it was extremely important for so many reasons, personally, I take it very serious and being able to meet my obligations and provide for my family is of utmost importance to me, my current job, and all related jobs I would seek out are highly sensitive toward financial issues, as they should be. XXXX XXXX was a life saver, I made it a point to notify her superiors of her amazing work, it impacted my life then and still does today. I received the loan and the terms, part of that was an initial trial period for timely payments as laid out in the agreement I received and acknowledged with great appreciation. From the time I received this modification through Chase military section in XXXX, I have never had one late payment or any negative interaction with Chase, I remain extremely grateful and thankful to Chase and for this life changing opportunity to redeem myself. My mortgage was sold off and bought by XXXX, XXXX XXXX XXXX within the past year, I have had very, very poor service from this new group, to the person, and I contacted them many times over the initial setup period, they were rude, each and every time, extremely negative and demeaning, and this spanned over many phone calls for basic information on my account, I have never once had this kind of sustained negative service in my life, they are absolutely the most unprofessional organization I have ever had the misfortune of having to work with. I do not know the functioning or roles of the XXXX but they are not accredited through the XXXX, each and every review I read on them is as negative or more from what I have described. I am bringing this to light because I am currently in the process of attempting to refinance my mortgage to take advantage of any savings out there to better support my family and my XXXX kids attending college. Being able to get refinanced would assist me financially and it would be a great help ridding myself of XXXX, I believe everyone would love to do the same, it is amazing. Although I had an amazing experience with Chase with regard to Chase Loan ( XXXX ) their reporting on my situation after giving me my modification, and my meeting of all obligations of specified trial period, and no late payments whatsoever from the modification onward to current, their reporting seems to be a bit harsh and repetitive after my adherence to their gracious modification in XXXX. During my sit down attempting to refinance my property I was advised that I would be greatly hampered with a R 1-13 listed by Chase. I was advised that by talking to Chase about all of the successive R offenses it would have a huge negative impact on my report, and that is after I had met all of their terms and guidance for this procurement of the modification for which I am so grateful. I hesitated to contact Chase once notified of this reporting because from the time I was sent over to XXXX, once they purchased the servicing of the loan, I was advised that I would have to refer any and all of my inquires on loan matters through XXXX, they were not rude about this matter whatsoever. I attempted to speak to Chase multiple times after they transferred to XXXX to address several administrative matters and to inform them of the incredible service they had provided and the huge dissatisfaction with XXXX. I am sending my concerns with this repetitive reporting of my initial delinquency for such a long period, not just the overall event that led to my modification awarded through Chase Bank. I appreciate you're consideration of this matter, it is very important to myself and my family, employment to be upstanding with all financial matters. My very recent attempt to refinance brought this matter to light, instead of calling Chase again personally with the guidance I received from them on every other inquiry, it seemed more prudent to contact you directly to address this matter, XXXX is largely unequipped or open to speaking to any matter professionally. Any help I can receive with this matter would be of great assistance to me in pursuit of obtaining a refinance which impacts my personal financial matters directly affecting my family. I am in no way suggesting that Chase bank has let me down in anyway, they gave me an amazing opportunity, I can not express my appreciation enough. I was just aware that all matters pertaining to this loan were to be taken up with XXXX which is absolutely impossible as described above. | ||||||
| 10/02/2018 | Yes |
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| Dear XXXX XXXX XXXX : We are responding to your complaints to the Consumer Financial Protection Bureau and to the Office of the Comptroller of the Currency about your closing checking account ending in XXXX. You are requesting an explanation for the closure and for all reporting to be removed. Thank you for sharing your concerns. We have previously responded to your concerns about our decision to close your account, which was in accordance with our Deposit Account Agreement. While we regret that you remain dissatisfied, our position remains the same. We have enclosed our previous responses addressing your concerns, for your reference. RESPONSE : RE NOTICE GUIDANCE ON GARNISHMENT OF EXEMPT FEDERAL BENEFIT FUNDS OCC DOCKET ID NO. XXXX FRB DOCKET NO. XXXX XXXX NO. XXXX XXXX ( NO DOCKET NUMBER ) CHASE POLICY FOR ACCOUNT THAT RECEIVES US TREASURY FUNDS VIA XXXX AS XXXX FUNDS ON DEPOSIT FOR DIRECT DEPOSIT ON A DEPOSIT ACCOUNT SERVICED BY CHASE BANK XXXX CHASE REPRESENTATIONS OF WE CAN CLOSE YOUR ACCOUNT AT ANYTIME FOR ANY REASON? AND AT ANYTIME IS FALSE. DUE TO THE ACCOUNT RECEIVED US TREASURY XXXX FUNDS AND THEREFORE WAS EXEMPT, IT ALSO IS PREEMPTED BY CALIFORNIA LAW AND FEDERAL LAW AND CHASE HAS TO BE IN CONFORMITY TO THE LAW. THE CLOSURE OF THE ACCOUNT WITHOUT COURT ORDER AND OR THE REASONABLE CONSIDERATION PROVIDED THAT ACTS AS AN EXPLANATION TO THE ACCUSATION BY CHASE CLOSING AN ACCOUNT BEFORE FREEZING AND ACCOUNT IS A DIRECT VIOLATION OF THE LAW GUIDANCE CONCERNING EXEMPTED ACCOUNTS. CHASE DID NOT SEND A NOTICE BEFORE CLOSING THE ACCOUNT. CHASE TELEPHONE BANKING CUSTOMER SERVICE WAS UNINFORMED AND COULD NOT AND WOULD NOT PROVIDED A REASON FOR ACCOUNT CLOSURE, PREVENTING A SELF DEFENSE. FURTHER HARM VIA CHASE EXECUTIVE OFFICE WAS AN ACCUSATION UNFOUNDED IN FRAUDULENT ACTIVITY THIS WAS PROVEN WITHOUT EVIDENCE. CHASE AT THAT TIME DID SLANDER AND THEN VIA LETTER LIBELED MY REPUTATION AND CREDIT WORTHINESS. THE CREDIT REPORTING IS FURTHERANCE OF DAMAGES AS CRA IS COMPLETELY VOLUNTARY. THE CRA AS A VENDOR BUSINESS OWNERSHIP FURTHER HAD OBLIGATIONS TO MANAGE THE VENDOR RELATIONSHIP AND TO BE INVOLVED IN INFORMATION THAT WOULD PREVENT AN AUTOMATIC NEGATIVE REPORTING. CHASE WITHOUT THE NEEDED NOTIFICATION OF ADVERSE ACTION BEING TAKEN AND FURTHER FRUSTRATED BY THE CLAIM WITHOUT PROOF AND FURTHER DAMAGE TO SELF DEFENSE WITH A 3RD PARTY VENDOR. CHASE FRAUD JUDGEMENT, CHASE CONDUCTED NO INVESTIGATION AND WAS AWARE OF THE QUESTIONABLE NATURE OF THE EVIDENCE AND ACCUSATION AND WITHOUT CONSULT AFTER I HAD PROTESTED. CHASE HAD ALREADY PROCESSED THE CLOSURE AND THE CREDIT REPORTING WITHOUT NOTIFICATION. THE ACCOUNT EXEMPT FUNDS AND THE ACCOUNT IT RELATES TO IS NOT SUBJECT TO COURT ORDERED GARNISHMENT AND OR LEVY ORDERS AS WELL ANY OTHER ENFORCEMENT ACTION OR COURT ORDER. CHASE CAN NOT CLOSE ACCOUNT WITH CLAIMS THAT HAVE NO PROOF, WITHOUT EXPLANATION, AND WITHOUT THE ABILITY TO A SELF DEFENSE AND BY CLAIM OF A DEPOSIT AGREEMENT THAT DOES NOT PROVIDE THE REQUIRED SERVICES AND TERMS THE ACCOUNT STATEMENTS AND THE CLOSING BALANCE REFLECT A XXXX BALANCE. THERE IS CHARGE OFF OF XXXX PROCESSED ON XX/XX/XXXX WITHOUT COLLECTIONS OR ANY ACTIVITIES TO WARRANT A CHARGE OFF. Y CHASE THEN BILLED THE CHARGE OFF IN XX/XX/XXXX FOR THE SAME AMOUNT YOU CLAIMED AS A CHARGE OFF FOR XXXX, XXXX. WHICH IS AN ACCOUNTING IMPOSSIBILITY AND A VIOLATION OF SEC REQUIREMENTS AS WELL AS UDAPP. CHASE PROVIDED TWO BANK STATEMENTS XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A CHASE BRANCH BALANCE SLIP IN XX/XX/XXXX ALL SHOW THE SAME BALANCE AS XXXX WITH NO MONEY OWED TO CHASE. A BALANCE OWED IN XXXX HAS NOTHING TO DO WITH THE CURRENT VIOLATIONS THAT CHASE HAS COMMITTED, PLEASE DO SEND ME A FULL ACCOUNTING AND BILL FOR THIS CHARGE OFF. IS THE STATUTE OF LIMITATIONS VALID FOR THIS CLAIM THAT YOU JUST DISCOVERED? IF NOT IT IS NOT MATERIAL TO A RESPONSE OF THE CFPB. IT IS A SEEMINGLY OBFUSCATION OF FACTS IN ORDER DIFFUSE THE INFORMATION THAT CHASE HAS PROVIDED. CHASE REPRESENTATIONS ARE MATERIAL BECAUSE THEY AFFECT MY CHOICE OF CONDUCT REGARDING HOW TO RESPOND TO A FRAUDULENT ACCUSATION OR NEGATIVE CREDIT REPORTING AND WERE LIKELY TO MISLEAD MY ACTING REASONABLY UNDER THE CIRCUMSTANCES. THUS CHASE REPRESENTATIONS CONSTITUTE DECEPTIVE ACTS OR PRACTICES IN VIOLATION SECTIONS 1031 ( A ) AND 1036 ( A ) ( 1 ) ( B ) OF THE CFPA, 12 U.S.C. SS 5331 ( A ), 5531 ( A ) ( 1 ) ( B ) THE YOU CLOSED THE ACCOUNT ON XX/XX/XXXX, THE ACCOUNT WAS REOPENED FOR A TREASURY DEPOSIT ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX. THERE WAS AGAIN NO BALANCE DUE WHEN THE ACCOUNT WAS CLOSED, THERE WAS NO BALANCE DUE ON EITHER OF CHASE BANK STATEMENTS. THERE WAS NO BALANCE DUE AS I WENT TO THE CHASE BANK BRANCH TO PAY THE NEW BILL FOR XXXX. THAT CHASE CREATED A BILL AFTER THE CHARGE OFF AND THE BANK STATEMENTS THAT ALSO SHOW A XXXX BALANCE I HAD THE BRANCH PRODUCE A RECEIPT IN XX/XX/XXXX ALSO SHOWING A XXXX BALANCE. PRODUCTION OF DOCUMENTS THAT ARE FRAUDULENT IN CREATION WITH THE ATTEMPT TO MISLEAD IS A FACTOR THAT CHASE HAS HAD FINES AND CONSENT ORDERS PLACED UPON BY REGULATORY ACTION TO ADDRESS AND PREVENT THESE ISSUES. CHASE RESPONSES ARE WITHOUT EVIDENCE AND THE INTENTION AGAIN IS TO MISLEAD, BLAME THE CONSUMER, WITHOUT SOLVE OR CURE TO HARM. SINCE THERE IS NO OFFER AS I PREVIOUSLY ADDRESSED IN A DEMAND LETTER. I WILL FILE SUIT ON XX/XX/XXXX AT THE CALIFORNIA SUPREME COURT IN XXXX XXXX I WILL SEND THIS TO THE EXECUTIVE OFFICE IN OHIO AND NOTIFY YOUR LEGAL SERVICE OF PROCESS IN CALIFORNIA. Prior to your account being closed on XX/XX/XXXX, your account balance was overdrawn {$39.00}. We confirmed that this balance was paid in full on XX/XX/XXXX. We also confirmed that there is a balance owed of {$290.00} on your account ending in XXXX, which was closed and charged-off on XX/XX/XXXX. We are no longer actively collecting on this balance so were unable to offer any settlements or payment arrangements. However, you can make voluntary payments towards the amount at your local branch or by mail to the following address : Chase Bank Attn : XXXX XXXX XXXX Mail Code # XXXX XXXX XXXX XXXX XXXX, OH XXXX In our previous response dated XX/XX/XXXX, we confirmed that we sent a request to XXXX XXXX XXXX ( XXXX ) to remove the reporting and asked that you allow up to 30 days for their records to be updated. While our request was successfully submitted, were unable to confirm why the reporting was not removed. Were sorry for any inconvenience this caused. We submitted a second request to XXXX on XX/XX/XXXX, and we received confirmation from them on XX/XX/XXXX, that the reporting was deleted. XXXX also enclosed a copy of the removal request confirmation for your review. Thank you for contacting us. If you have questions, please call us at XXXX. Our office hours are Monday through Friday from XXXX a.m. to XXXX p.m. and Saturday from XXXX a.m. to XXXX p.m. XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX TTY XXXX Fax ( Free of charge from any Chase branch ) | ||||||
| 01/08/2023 | Yes |
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| I would like to file a complaint with Chase Ultimate Rewards Travel. I have been a loyal customer for several years now and I always pay my credit card off in full each month. I highly recommended this credit card to anyone I knew. Now, my opinion of Chase Ultimate Rewards Travel is forever tarnished. I never had an issue using my points to purchase flights in my several years of doing so up until XX/XX/2022. My husband and I had landed in XXXX, XXXX on XX/XX/2022. We had a very early XXXX flight the next day to XXXX XXXX, a city in the XXXX XXXX of XXXX. It was time to check in for that flight as soon as we landed in XXXX. When I checked in directly with XXXX XXXX, it said my reservation could not be found and to call the airline directly. I did as I was instructed to do and XXXX said they could not help me since I booked with a third party, which was the Chase Ultimate Rewards Travel website. Little did I know what a turn for the worse my day was going to take. I called Chase Ultimate Rewards Travel customer service to see what the issue was. At first, they had no idea what could be causing this error message to appear as they stated my flight is confirmed on their end. They called XXXX Airlines on my behalf to see if it was some sort of glitch on their end. I was on hold for about an hour until the Chase customer service representative stated that XXXX Airlines did not have a reservation for my husband and I. Surprised, I asked how do we not have reservation or seats on this flight? I booked this particular flight two months ago ( XX/XX/2022 ) and I received my confirmation email from Chase. The representative then stated that the flight was cancelled altogether. I said that is a lie- XXXX Airlines website is stating this flight is confirmed with the status of on time. Also, the airline would have told me this when I called them myself earlier that day! She kept insisting this flight was cancelled and I told her you are wrong! We were going back and forth arguing for a very long time. Frustrated with this representatives professionalism, I hung up and called again ( my husband also called at the same time on his cellphone ). We explained the situation over to the new representatives we were speaking with. This time they said a Chase travel agent cancelled this flight on XX/XX/2022. I asked why would they cancel this flight without my permission? They claimed I called and made the cancellation, which again was another lie on Chases end. They stated an email confirmation was sent out to me on XX/XX/2022 confirming the cancellation. And you guessed it- another lie! The email I did receive I will attach to this complaint- all it stated was the flight number had changed- that is it. I told them this and they said that is not true and that they indeed sent me a cancellation email. To call their bluff, I asked for that same exact email to be forwarded to me with the date stamp of XX/XX/2022 that was apparently sent to me. It took the representative 30 minutes to do this! What she sent back to me would make anyone laugh- it was an unofficial email created in a hurry that did not state the original date, with plenty of typos, and clearly was not written by someone whose English is their first language ( it was very clear who I was speaking with their first language was not English ). I have attached this email as well to the complaint. At this point it was very clear they were telling all these lies to cover their major mistake- they had cancelled my flight without my permission and they had no clue how to fix it or even admit their error. I was demanding they put my husband and I on the next flight out to XXXX XXXX. To note- this particular airport is very remote and only 1-2 non-stop flights each day go there during the high season, hence why I made sure I booked well in advance. They told me nothing was available. At this point, I was on the phone with them for 6 hours straight and I lost it. We were heading to XXXX XXXX XXXX XXXX XXXX a remote location in XXXX XXXX It was extremely expensive and difficult to plan this trip. I started screaming and crying that Chase ruined my trip I worked so hard on. Not only did they refuse to book us another flight, they were not willing to compensate for the thousands of dollars ( USD ) we would lose if we could not make it to XXXX ( car rental, 4 night hotel stay, activities, and return flight home from XXXX XXXX was already paid for in full ). Since there was no way we were leaving the next day, I had to pay for extra nights at our hotel in XXXX. They said for my inconvenience they would refund my XXXX points back I had originally used to purchase the tickets with an additional XXXX points for my troubles. I hung up because I was in our hotel room for XXXX hours straight on the phone with Chase with no break at this point and needed to eat. My husband and I went to the restaurant located in our hotel and the phone calls from Chase would not stop. My husband finally decided to answer and now this new travel agent refused to give us anything back when we were just told earlier we would receive XXXX points. Again we hung up. I decided to take matters into my own hands and look for flights myself. To my surprise with a simple XXXX search, I found a non-stop flight to XXXX XXXX that left from XXXX two days later. I decided to book this flight for us since one day in XXXX was better than none- we would land late on XX/XX/2022 and then we would head home to New Jersey XXXX XX/XX/2022. Booking these new flights unfortunately cost me {$730.00} USD that I was not expecting to spend. I have attached that receipt and boarding passes as proof to this complaint. After we came back to our hotel room, I decided to call Chase one last time. Since they were completely unaccommodating, I feared once the flight departed at XXXX the next day, they would refuse even to discuss refunding me my points. The representative that answered without hesitiation called me a liar when I explained Chase cancelled my flight without my permission. Obviously, I hung up and called again to speak with someone new. The representative that answered was friendly, which was a change, but she claimed she had to do an investigation by reading the previous notes before she could start the refund process. She told me this would take ten minutes- TWO hours later, she came back on the line and said she was still investigating. It was XXXX in XXXX at this point- nearly 12 hours of dealing with phone calls. I explained this is ridiculous and she offered to call me back at XXXX the next day. Never received a phone call from Chase again and I refuse to waste my time again dealing directly with them. As of today, I am still desperate to be compensated, hence why I am filing this complaint. I sincerely hope something can be done about this and Chase is held accountable for their mistake. They are untrustworthy and I will never put my travel plans in their hands again. Thank you for your time. | ||||||
| 05/16/2022 | Yes |
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Web | Servicemember |
| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : JPMCB XXXX currently under dispute. Credit Card Acct # XXXX Chase XXXX XXXX Customer Service XXXX XXXX XXXX XXXX, DE XXXX Dear Customer Relations, Regarding Chances XXXX XXXX XXXX XXXX XXXX XXXX business credit card account with Chase XXXX XXXXXXXX , I was made aware of a negative impact reported on my personal credit report. I am the founder/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nonprofit established in XX/XX/XXXX. XXXX Chances XXXX XXXX suffered tremendous financial loss during Covid 19 crises in XXXX, XXXX, & XXXX. Our public fundraisers fueled the work we do, and the pandemic halted public events and our finances depleted tremendously. Up until Covid 19 hit the USA, we were thriving and financially sound organization. During the healthy crisis applied for a business credit card for through Chase XXXX XXXX Credit card to help us stay afloat and navigate during these trying times, We maintain a good payment history in the beginning, however trouble times has taken a toll on our finances and we fell behind one month in XX/XX/XXXX and once again XXXX of XXXX. The JPMCB card representing Chase XXXX XXXX has reported a negative impact due to 2 delinquent payments on my Personal Credit Bureau Report. As stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX went through tremendous financial hardship during the pandemic. Our monthly payments due were delinquent twice when our funds were depleted consequently the account was reported to the credit reporting agency on my personal credit report. On a side note, we had this business credit since XXXX and JPMCB nor Chase XXXX were never part of my personal credit report summary UNTIL they reported the delinquent payments. Because I was delinquent this account suddenly was added to my personal credit bureau report in XX/XX/XXXX dropping my credit reporting score of XXXX down to XXXX ( XXXX points ). I understand the account cardholder for a business credit card is held liable for unpaid debts through Chase XXXX XXXX, however in light of the economic disaster during the pandemic, I would hope they would have grace and not suddenly add a negative impact to my personal account. Again, JPMCB made a conscious deliberate effort to add this business credit account to my personal credit suddenly when the business was delinquent in on a payment on two occasions. This business credit card -account was never included previously on my credit report analysis for the first 2 years of holding a credit card acct since XXXX. If you look at my personal credit report, you will see I have an excellent payment history on all of my accounts and have never reported late on any of my debts. I became aware of the Covid 19 relief grants/loans in late XXXX the government was offering through the XXXX to help small business that suffered a great loss financially recover from the economic disaster I applied and was approved through for the Covid-19 relief grant and received the grant funds. In order to receive the funds, you must be able to provide documentation proof your business suffered at least a 30 % loss due to the pandemic by submitting your gross receipts for 3 years, ( XXXX, XXXX, and XXXX ) yearly reports. We provided documentation that XXXX XXXX XXXX XXXX XXXX XXXX XXXX suffered more 30 % but in fact 50 % loss from XXXX XXXX consequently, the XXXX awarded us {$10000.00} plus an additional {$5000.00} in relief funds totaling {$15000.00} that does not have to paid back. We also applied for and were approved for an XXXX Business Loan at a very low interest rate. XXXX XXXX XXXX XXXX XXXX is on the road to financial recovery. Restrictions were lifted and the public opened back up and we can continue to raise the funds through public fundraiser campaigns. We are an all-volunteer organization, and no one receives a paycheck for the work we do for the animals, We are committed to paying this debt in full in a timely manner and we look forward to maintaining our business relationship. With the government funds awarded we made a payment on XX/XX/XXXX to Chase XXXX XXXX in the amount of {$1000.00} and a week later we made another payment of {$500.00} totaling {$1500.00} in less than 2 weeks. We then set up monthly auto-pay ( {$250.00} ) moving forward. I would also like to add that I made several calls to Chase XXXX during the period we were not able to make payments seeking a financial hardship program that would allow us time to recover and was denied and told they did not have a financial hardship program at that time. Under the CARE act the government is to protect negative impacts reporting to personal and business credit reporting. I have attempted to speak with Chase XXXX regarding this matter numerous times and I was repeatedly told they had no financial hardship programs to offer my company. Oddly enough, my business account with XXXX XXXX credit card were more than happy to work with us when I reached out to them regarding financial hardship, and they immediately had a program I enrolled in to stay in good standings and at that same time is when Chase XXXX did not offer any programs or solutions to keep us in good standings with payments. I respectfully ask for consideration in removing this debt from my personal credit bureau and accept the account listed under the Tax ID # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, business account credit report.. Although JPMCB has reported the account is now current, the debt is gravely affecting my personal credit score because the {$6700.00} balance due has put me over the recommended 30 % of debt-to-income ratio on my personal credit analysis. I can accept the report listed on our business credit reporting under the TIN # XXXX however, adding it to my personal credit line of debt is lowered my overall credit score tremendously and although I am personally liable for the debt according to the credit card terms, the impact on my score is harsh. The debit was a result of this countrys economic disaster during a health crisis. As I previously stated, our business is an all-volunteer based nonprofit organization and no one receives compensations for their services, however the business has always been financial stable and pay our bills timely form XX/XX/XXXX until XX/XX/XXXX when the pandemic shut everything down. It is my hope you will consider my plea by removing the negative impact to my personal credit reporting agencies consequently reducing my debt-to-income ratio to less than 30 %, the recommended ratio to maintain a good score. XXXX XXXX XXXX XXXX XXXX is committed to paying the debt in full in a timely manner moving forward as we are thriving economically and look froward to continued business with Chase XXXX XXXX. Please feel free to call or email me with any questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX website : XXXX | ||||||
| 11/14/2019 | Yes |
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| On XX/XX/2019, I took my XXXX XXXX to XXXX to have an oil change and walked out with a bill of $XXXX and $XXXX dollars bill and a car that no longer works. It was towed over three times and towed to XXXX who said that pieces of my car parts were missing and it was going to cost $XXXX dollars to repair the damages. I have no car and my car was fine prior to taking it to XXXX. I put in a dispute with XXXX for the amount of $XXXX and $XXXX dollars. XXXX asked me to send in documentation to prove my case. I sent in all the below documentation and all the proof to have the charges reversed. XXXX told me when I put in the dispute that I need to do disputes separately. I told them that that didn't make any sense given it was from the same case. XXXX said they had spoken with the merchant and they will honor the $XXXX dollars but not the $XXXX. I have no idea why XXXX would even consider that with this merchant given I gave XXXX all my proof that XXXX destroyed my car and with the diagnostic from XXXX write up of cost to repair and what is wrong with the car. I am so disgusted with XXXX they had the nerve to charge me back $XXXX for XXXX. Who destroyed my car and I can no longer drive it. XXXX has no protection for the consumer. I am appalled they think I would just give this merchant XXXX dollars for what? I want this charge off of my account. They owe me a new car. I am currently renting cars because my XXXX has been parked since. _________ See Below for information sent to XXXX for Proof __________Date: XX/XX/2019 Card Member: XXXX XXXX Account No.: XXXX XXXX XXXX Case No.: XXXX Dispute: XXXX Charges: $XXXX & $XXXX Model: XXXX XXXX 1. What service or product did you purchase for the car? • I booked an online appointment on the XXXX website for XX/XX/19 to have an oil change. I dropped the car off for an oil change. The cost was $XXXX. (see documentation) • The same day XX/XX/19, a few hours later I arrived back at XXXX to pick up my car. I went to the counter to pay $XXXX and the manager (XXXX) said let me get XXXX. XXXX (the mechanic) told me that I had a major oil leak. I said, “no, that is impossible because the car had been driving fine I didn’t notice any leaks while parking or driving and I just passed inspection in XX/XX/2019, so it is good.” He pointed to my car on the car lift and directed me to follow. I followed and he showed me oil under the car with another technician and said that I had to get it to fix or I would be in serious danger if I drove it. I went back to the front where I told XXXX, this is impossible because the car is fine and I didn’t need any work on the car as I just need an oil change. I told XXXX, I will drive it home and decide what I will do. XXXX said again, “I wouldn’t drive it if I was you, it is very dangerous.” We went back and forth a few times. He said I need a “rear main seal replacement” I left the car after XXXX, the technician and the manager (XXXX) insisted that my life was in danger if I drove it out of XXXX. 2. After receiving the vehicle back from service, what problems I encounter? • The keyless ignition starter was pushed way down into the base, I went back to XXXX and left the car to be repaired • The base board of the key ignition base cover was separated • The air conditioner broken and then repaired • The air conditioner system cool was at max with minimal cooling • The car drove discombobulated it was wobbling and had to be towed back to XXXX on XX/XX/19. • The car shook violently and stalled on Highway XXXX XXXX during the busiest time of evening traffic and had to be towed to XXXX for a Diagnostic test; where XXXX reiterated that they shared no responsibility for the vehicle malfunction. Towed to XXXX (See attached documentation) 3. What date did you expect service parts to be declared or serviced to be received? I expected on XX/XX/19 - Oil change I expected on XX/XX/19 – Rear Seal (see attached documentation) 4. Did you receive parts of the service late? Yes, picked up the XXXX XXXX on Friday, XX/XX/19, I drove it off the XXXX Lot a few blocks and noticed my Keyless ignition was pushed down in the base, I had no way of turning the car off. I drove it back and showed them I picked it up later that day XX/XX/19, keyless base covering separated unable to close (see attached documentation) On Saturday, XX/XX/19, the XXXX XXXX had a new battery, the starter would not start – called District manager XXXX XXXX. The car was towed back XXXX. On Monday, XX/XX/19 XXXX XXXX was picked up from XXXX and driven back to home and parked. On Thursday, XX/XX/19, drove the XXXX XXXX for the first time since Monday XX/XX/19and on my way to the destination the car began shaking violently and my life was placed in an extremely precarious position as I mentioned earlier that XXXX XXXX traffic during rush hour is heavy and the car began malfunctioning in the middle lane and then stalled. Within the same week, the vehicle stalled again was towed a second time to XXXX. XXXX continued to say it’s nothing wrong with the car. XXXX reiterated that they shared no responsibility for the vehicle malfunction The car was towed to XXXX on XX/XX/19 before closing. On Friday, XX/XX/19, car was inspected by XXXX (see attached documentation) 5. Did you return car parts to the merchant? I called and asked the merchant (XXXX) to hold on to the parts that were replaced in the XXXX XXXX and when I picked up the car the merchant said someone threw out the parts. (see attached documentation) 6. Who did you speak to and when did you last speak to them? On XX/XX/19, I called the XXXX corporate office, filed a complaint and then called again and XXXX XXXX (the district manager) was informed all the issues. I spoke to XXXX (the mechanic in front of the manager of the store on all occasions mentioned above. When I pick up my car on XX/XX/2019, XXXX XXXX (the District manager) was present. He refused to refund after all that happened. 7. Have you obtained a second opinion from a reputable merchant? As stated above, after several attempts to get XXXX to accept responsibility for mechanical failures to my car; my vehicle stalled and would not start on XX/XX/19, on highway XXXX. And was towed to XXXX where I had a full Diagnostic test (see attached documentation) NOTE: In this experience with XXXX, it appears that Theft by Deception was being practiced by XXXX. (See below additional debts incurred) • The XXXX Is parked and no longer drivable • The cost to fix it is over $15,000 dollars according to the XXXX Diagnostic • The cost of towed three times • The cost for two Diagnostics test • The cost to change the battery • The cost of Insurance See attached documentation for proof sent to XXXX yet they are still chargeback XXXX dollars. | ||||||
| 10/17/2022 | Yes |
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| On XX/XX/XXXX I placed an order from XXXX for a total amount of XXXX. The item was supposed to be next day delivery. The item never arrived within the timeframe, I then contacted XXXX regarding this issue and they said that the delivery had been delayed because of internal issues. They specified that the item would be delivered on the XXXX around XXXX XXXX that day. That day I was working, I requested to get off early in order for me to be home to receive the package around XXXX XXXX during the time I was told it'd be delivered. However, While I was at work around XXXX XXXX I received a text saying the item had been delivered, I was at work during that time, and I was confused because I thought that the delivery would require a signature and maybe ID verification because it was something expensive. I got home and looked everywhere I could think of but I had no luck. I contacted XXXX right away asking them if this was some sort of error from the delivery company because I have had instances where packages had been marked as delivered but they weren't delivered until the next day or so. They said they'd do an investigation on the matter with the carrier but I was granted a refund and within XXXX business days I should receive a refund for my order even though I requested a replacement if the item wasn't to be found. Within hours ( It was clear there was no investigation whatsoever ) XXXX got back to me saying they had finalized the investigation and that the item had indeed been delivered to the right destination or alternate destination. I never agreed to an alternate destination, I found very odd that they needed to specify that because I never signed anything saying that it could be delivered to a different address. I then asked for more information and evidence that made them conclude that ; They refused but I was able to gain access to the XXXX tracking number and the item had been signed by someone else. It was clear to me why they needed to specify that the item could have been delivered to an alternate address or individual and that the item had either been mishandled or given to the wrong individual thinking it was me. XXXX refused to help me and said that I should file a police report and I should work with the authorities to find the device. I had already filed a police report on the XXXX because I knew something was not right. They also suggested I contact my bank in order for me to get a reimbursement for my purchase, they said they'd work closely with the police department to locate the item and if they would go with whatever the authorities ' result would be. I then contacted my bank institution, I gave them all the necessary information in order for me to prove that XXXX was in the wrong. Nothing happened for 7 weeks, I constantly contacted XXXX and my bank to see if there was any necessary information that they might've needed to keep going with the case and locate the device ; Nothing was ever needed and they'd say someone would contact me regarding this if information was ever needed. Nobody ever contacted me, and after 2 months of waiting I found out that a reversal credit for the amount of XXXX dollars hit my account. This was the value of the device only ( the purchase came with a gift card of XXXX dollars, I never used such gift card because what was the poinXXXX of using it for accessories for the device if I never got the device ). I have now contacted Chase dozens of times regarding this, I have talked to several supervisors, one of them told me to send them the police report and any extra information I may have in order for them to reopen the case and so I did ; They still have not gotten back to me regarding this, I talked to them 3 days ago and one of the supervisors said that there was nothing else they could do because XXXX provided the necessary information to grant the case to them, I asked them what information they had provided and they said the tracking number and a signature, signature that is not even mine. They said that they left the package with the owner or someone that the owner agreed to trust the package. I never agreed to anyone receiving my package other than me. If I were not to be home during the time the package was going to get delivered then they should have taken it with them and come back another day to make sure the package was delivered to the right person. I then proceeded to contact XXXX after this news because I find it quite awful that such a big company is giving such a hard time to a customer. I needed that computer for school, I used money from a scholarship to purchase that laptop. I now have no laptop and no money because someone made the mistake of giving my device to someone that wasn't meant to receive it. XXXX 's investigation team refused to speak to me after I politely asked one of the representatives to transfer me to them. They told her that they were not going to speak to me and that I should direct with my bank for reimbursement for my purchase but my bank says to go to XXXX to find a solution to this. I then found out that XXXX actually did not file a claim for the package with XXXX. There was never an investigation done by XXXX regarding this issue. They never file the claim with XXXX and they waited exactly 60 days to reverse the credit on my account ( 60 days is the time frame for anyone to file a claim for any package delivered by XXXX to do an investigation ) they knew that the package had been mishandled by XXXX, if they had filed the claim they would've found out that the package had been lost and they were gon na be liable for the incident, hence why they waited 60 days to do the reversal of credit on my account, now I can not file the claim myself because the time frame has passed and are now refusing to speak to me about the matter. It is very frustrating how I have been trying to cooperate with both entities and the authorities regarding this issue but they seem to not care. It is obvious that the item was mishandled by XXXX and my bank still refuses to help me because XXXX provided a tracking number with a signature from someone else. The police have also done nothing regarding this issue because I guess they have greater problems than stolen devices. I have provided the endless chats I have had with XXXX regarding this issue promising me a refund ( even though I requested a replacement for my purchase ), the police report, and the attention I have had on the matter and they still seem to not care. I have run out of options and I was suggested to contact you guys regarding this issue. What should I do from here or what could I do in order for me to get my money back or at least a replacement for my purchase? I believe that would be the fairest outcome. Also, on the proof of delivery from XXXX it says residential, not met customer, front door, or correct location. It never specifies where it was left it just says residential, meaning it could've been left or given to anyone. | ||||||
| 01/03/2018 | Yes |
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| My name is XXXX, and I have been a loyal CHASE credit card customer for almost 20 years. A brutal representative in their fraud department named XXXX XXXX department called me on XX/XX/XXXX telling me she has concluded her " investigation '' and is going to be reverse billing me {$10000.00} on my credit account for computer items received, that I did not purchase. The details are outlined below. -XX/XX/XXXX : Two months prior to this, I received a package at my door for which I needed to sign. Thinking it was wine or something I ordered on XXXX, I signed. Later I opened the package to find high end computer stuff I did not order. I re-checked the mailing address, and sure enough it was addressed to me at my address. - I figured I 'd been hacked and checked my Chase credit account. I see a charge for almost {$10000.00}! I had just paid down my card, so the hacker got lucky. I was very surprised Chase let this huge charge for computer equipment go through with no flag, for items which I NEVER buy. I 've had {$5.00} XXXX charges and clothing sales flagged by CHASE, which are most of my purchases. -CHASE Customer service ( XX/XX/XXXX ) : I immediately called Chase customer service and tell the representative that I received and signed for the equipment no knowing what it was. If I had not received it, the fraud may have gone unnoticed for a bit since I had not made any recent purchases. We discussed how the hacker was not too bright as he forgot to change my delivery address to his address. We also discussed the fact that I have no idea what a " motherboard '' is or how to use a " compute and graphics '' card that I received. She assures me charges will be reversed and passes me on to a fraud specialist. She does not instruct me what to do with these items. -CHASE Fraud specialist ( XX/XX/XXXX ) : I am passed to her and reiterate my story, and she confirms the charges will be reversed. She does not instruct me what to do with these items. I ask her " So now what do I do with this stuff? '' I am told by her " you can keep it ''. In no uncertain terms. I do not question it, as I believe this is Chases policy to write off the loss, as it was their error. I assume the issue has been resolved. I assumed CHASE does not make the customer assume full liability of returning to a person/company they never ordered from. **Again I would like to note : I was given NO instructions from either representative about what to do with the items. It was after I PROACTIVELY ASKED this question, I was told to KEEP IT. Here is the crux of the story. And please keep in mind their calls are recorded. -XX/XX/XXXX & XX/XX/XXXX : I 'm sure you wonder what happened to the items. Well after being told BY CHASE these items were mine to keep, and given the fact I have no personal use for them, I posted on XXXX asking if anyone was interested ( I forwarded Chase Executive Office this information as well ). After no luck, I try to sell on XXXX to benefit XXXX XXXX XXXX XXXX, which did not sell. I sell the other item but a week later, but a fraudulent buyer claimed item was " defective '' with XXXX picture and XXXX just gave it away to him for free ( I have documentation for all of this, as well as a XXXX post where I recapped the story in real time ). In process, I lost XXXX out of pocket in shipping costs as well. I reposted the other item on XX/XX/XXXX which sold at less than half the cost, minus XXXX seller fees, XXXX shipping. I then donated 20 % of this to the XXXX XXXX XXXX XXXX ( that donation is reflected in my XX/XX/XXXX credit statement ), as I always planned to use proceeds toward charity. -XX/XX/XXXX : Fast forward 2 months after l first received the items and called CHASE about it. XXXX XXXX from fraud investigations department calls out of the blue and tells me she is taking over the case from a previous rep. She threatens me that " Someone needs to pay for this! '' and tells me she " found out '' in her investigation that I signed for these items. This is not new news or a gotcha moment as XXXX believes, because I TOLD Chase that when I called them two months ago. " You signed for it - you are responsible! '' is what I am told. She said the $ XXXX in charges will now be reversed back to my account. I told XXXX that CHASE does have a recording of the conversation on XX/XX/XXXX. She replies, " There are no notes in the file and I do n't know who you spoke with. It probably was n't one of us ''. Us who? I called CHASE. Clearly she never checked the recording and did not care to investigate further with who I spoke with. XXXX had a quota to make for the end of the year and wanted a closed case with CHASE admitting no fault or liability. If XXXX were truly ethical and doing an actual INVESTIGATION instead of a witch hunt, she could have pulled this phone call recording, spoken with the reps I talked to that day and confirmed what I said. Instead she insinuated that a decent, hard working 20 year customer was a the liar, fraud, and thief. I asked CHASE what to do and they instructed me. CHASE IS TAKING NO ACCOUNTABILITY HERE. Easier to fault the little guy and have them pay for your mistakes, I presume. Instead of addressing the fact you have representatives who put customers at severe financial jeopardy by providing misinformation, you will hold the customer liable. EVIL CORPORATION. - XX/XX/XXXX : Just received XXXX 's XXXX letter in the mail, closing her " investigation '' and it states that she is closing it because I confirmed the charges were legitimate. THIS IS COMPLETELY FALSE INFORMATION SHE HAS PROVIDED ON AN OFFICIAL CHASE DOCUMENT. Here I am at maximum credit card balance with the holidays, and TERRIFIED that XXXX was just added to my account that I do not have, and my good credit is now being ruined by this power hungry brute who gets her marching orders from an evil corporation with no conscience. But I have a clear conscience. I communicated with CHASE all along the way, told the truth and did as THEY instructed me. I have nothing to hide. I do what is right. I clearly was misled and assumed that I could trust CHASE, trust what I was being told, and that this case was closed long ago on XX/XX/XXXX. For them to now blindside me 2 FULL MONTHS LATER and do a COMPLETE REVERSAL OF ORIGINAL DIRECTION is unethical, rotten, disgusting, and an abuse of power. I could not change the circumstances now if I wanted to, as I long since have gotten rid of these items, can not get them back, received only a fraction of their value at best. Truly they have been nothing but a curse and I would have much preferred for CHASE to take responsibility and get them shipped back from me. As a solid customer of 20 years, I am being treated like a thief and fraud, rather than Chase owning their responsibility in this. This is now putting me in impossible financial hardship. I am beyond words on this and have no one to turn to. Frustrated, shocked, angry, terrified. | ||||||
| 04/22/2019 | Yes |
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| This claim involves the claims filed by me ( XXXX ) and on my behalf by the California Department of Business Oversight ( XXXX ) against Chase Bank. The currently pending claims involve fraudulent charges made on my credit card in a foreign country. The pending claims provide detailed information regarding Chase Banks intentional evasiveness, delay tactics, and refusal to resolve my matter. Shortly after the above-mentioned claims were filed with the CFPB, Chase Bank engaged in retaliatory behavior against me. With at least the knowledge of the claim filed by the California Department of Business Oversight ( CDBO ) ( which was submitted on XX/XX/2019 ), and possibly also the knowledge of the claim I filed on XX/XX/2019, Chase Bank first closed the matter that was the basis for the claims ( despite their being open claims with the CFPB ), and then restricted my online access to my account. Chase Bank informed me that it was closing my matter in a letter dated XX/XX/2019 just two days after I submitted my CFPB complaint, and 12 days after the CDBO submitted a complaint on my behalf. The XX/XX/XXXX letter contained material misstatements regarding which charges I am disputing. Chase Bank then restricted online access to my bank account, disabling certain features and preventing me from using the over 300,000 points Ive accumulated as a Chase Bank customer. In multiple instances, when I tried to access my online account, a prompt stated that my email address had been changed to XXXX and that access was forbidden. I believe Chase Bank closed my matter and restricted access to my account because of the claims the CDBO and I filed with the CFPB. Chase Bank is aware of the amounts I owe, and that those amounts are significant to me. Chase Bank is also aware that the issues involved in the recently closed matter are the same issues that form the basis for the claims filed with the CFPB. Chase Bank unrestricted access to my account after my attorney placed two unanswered calls and two unanswered emails to the Chase Executive Fraud Department, as well as one unanswered call to the Chase Fraud Department. Chase Bank returned my attorneys calls, on XX/XX/2019. My attorney spent 30 minutes speaking with the Fraud Department, 10 minutes on hold, and 20 minutes speaking with a representative in the Customer Service Department. The Chase Fraud Department referred my attorney to the Customer Service Department because the Fraud Department only deals with fraud. During my attorneys call with the Chase Fraud Department, the Chase Bank agent ( XXXX XXXX ) told my attorney that if he wanted access to the audio recordings referenced in Chase Banks XX/XX/2019 letter to me ( written by XXXX XXXX ) he would need to subpoena that information. The letter specifically mentioned that certain audio recordings were germane to my matter being closed and the fraudulent charges being upheld. The audio recordings mentioned in the XX/XX/2019 letter had never previously been mentioned over the course of the eight months Ive been disputing the charges. After being referred by the Fraud Department to the Customer Service Department, the Customer Service Department informed my attorney that he would again need to include me on a call to verify that my attorney is who he says he is ; however, on multiple occasions, I had already provided Chase Bank with confirmation that my attorney represents me, both orally and in writing. Whats more, the Fraud Department had just spoken about my matter at length with my attorney right before connecting my attorney to the Customer Service Department. Both the Fraud Department and the Customer Service Department told my attorney that a security hold had been placed on my online account. The Customer Service Department revealed that security holds are put in place when there has been a suspected security breach. There was no suspected security breach. The Customer Service Department said that the security hold would be in place until I received a new card for the account on which the fraudulent charges had been made but I received that new card ( and a new account number ) over 8 months ago, and Chase Bank knew this. Shortly after my attorney ended the call with the Chase Bank Customer Service Department, my attorney received a call from the Chase Executive Fraud Department. The Executive Fraud Department again confirmed that there was a security hold on my account, and that they would need to reach out to the Security Department to determine why the hold was in place. They told my attorney they would call him back when the Executive Fraud Department heard from the Security Department this was yet another delay tactic consistent with the pattern of behavior complained of in the previously filed CFPB complaints. The Executive Department also again refused to send my attorney the audio recordings that formed the basis for Chase Bank upholding the fraudulent charges to my account. The Executive Fraud Department did, however, at my attorneys forceful request, agree to send him a typed summary of the recordings. The Executive Department iterated that if my attorney wanted the actual audio recordings, he would need to send a subpoena request to their National Subpoena Processing Department. This is still another example of the kind of institutionally embedded delay tactics and clandestine coercion used by Chase Bank to prevent opposition to its decisions. Chase Bank recorded all of my phone conversations with its agents, not for customer service purposes, but to now egregiously misrepresent those conversations as evidence for upholding the fraudulent charges. Chase Bank is withholding those audio recordings to prevent me from defending my claims. Apparently Chase Bank has built into its business model various ramparts of time-consuming and burdensome steps that prevent its clients from accessing mutual information related to its clients claims against the bank. Later, and still on XX/XX/2019, my attorney and I called Chase Bank to, once again, verify my attorneys identity ; we were then able to confirm that the bank had, evidently within the past few hours, removed the online restrictions on my account. The Executive Fraud Department did not contact me nor did they contact my attorney to mention that the restrictions were lifted. This tends to show the security hold was retaliatory. In the letter Chase Bank sent me on XX/XX/2019, Chase Bank demanded that I pay the amounts that form the basis for the claims filed with the CFPB. I maintain that I do not owe the amounts Chase Bank asserts I owe because those charges were fraudulent, and the claims with the CFPB have not been resolved. I believe Chase Bank retaliated against me to discourage me from continuing to dispute the charges and to punish me for continuing to object to their egregious institutional practices and conduct ( e.g., their delay tactics ) related to those charges. | ||||||
| 03/21/2020 | Yes |
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| BEWARE OF UNETHICAL BUSINESS PRACTICES OF JP MORGAN CHASE VISA Scenario : Several months ago, a certain credit card holder of JP Morgan Chase Bank Visa innocently ordered a SEWING MACHINE CABINET from an internet seller subsequently to be identified as XXXX, FEEL FREE TO CHECK THEM OUT YOURSELVES. To the customers knowledge, FIVE MONTHS LATER : the seller has NEVER presented nor has the seller provided any evidence that a SEWING MACHINE CABINET was EVER shipped nor has a SEWING MACHINE CABINET ever been received by the customer NONE whatsoever! Not a shred NOTHING whatsoever! No shipping documents, NO delivery documents, no receiving documents,,,,, NOTHING! Six weeks later not having received the order the customer notified the seller by email to please cancel the order. And as such the customer also requested Chase Visa to dispute the charge. As of today, five months later the cabinet has still not been received by the customer. For Chase the ethical business practice would have been to ; refund the amount charged to the Visa account to the customer and advise the seller to deal directly with customer INSTEAD Chase made a conscience business decision to take the most slimy sleazy unethical business solution approach JP Morgan Chase Visa they could ponder up. JP Morgan Chase Visa made a conscience business decision defraud the customer : Chase made a conscience effort to bully and terrorize the customer : charging her several hundred dollars late charges and interest, terrorizing with threatening letters, turning customer in numerous times to credit bureaus for late payment, calling the customer all hours of the day and night several times a day, on numerous occasions out right lying to XXXX XXXX XXXX, again in essence using the sleaziest slimiest most unethical business practices they could ponder up Chase Visa is the douc bag. The customer has over the last several months accumulated several hundred documents of back and forth communications with Chase always yes ALWAYS I said ALWAYS within 24 hours, XXXX Chase is taking the hear no see no say no approach anything to defraud and steal what they can from the customer in effort to cover up their incompetent initially mis handlings! As of today, the order still NOT received! AS FOLLOWS IS THE CUSTOMERS FINAL RESPONSE ( response 2 of 2 ) TO THE XXXX Customer final response to the XXXX : XXXX Chase lied again to the XXXX, shame on XXXX Chase! Chase has continued to lie about the sequence of events, one outright lies after another outright lie about the sequences of events, one outright lies after lie after lie!!! I certainly did respond immediately virtually within minutes of receiving any/all Chase communication both email and mail ALWAYS without fail! To claim I didnt is another outright Chase LIE always a continuous stream of lies! ANYTIME Chase wants to polygraph I would welcome them versus me in fact I WOULD PAY FOR BOTH! Come out you sleazy cowardly chickens CLUCK CLUCK CLUCK lets make it happen! Cluck Cluck Cluck COME OUT YOU COWARDS!!! You lied to XXXX claiming you mailed your response letter to the customer on Monday XX/XX/2020 when in fact WAITING until Friday XX/XX/XXXX to mail the customer response. YES, another example of Chase Visa sleazy unethical business practices! Why would Chase do that? Like I said another Chase slimy sleazy unethical business practice : knowing that the XXXX closes all claims to XXXX at five days if no counter response is made by claimant. By holding the customer response two days and knowing it would take an additional 3-5 business mail to reach the customer ( that would be 8 days ) they could deceive the XXXX into closing the claim, another example of Chase Visa slimy unethical business practice! Chase Visa this is NOT going away! Lied to the XXXX a flat-out bald face lies to the XXXX did not mail on the XXXX held 3 days before mailing! Slimy sleazy unethical business practice of Chase! Lied to the XXXX! AGAIN! Shame on XXXX Chase Visa. I actually believe and after reading this you will also believe Chase Visa draws straws to see which can fabricate the biggest outright lie. WOW, lying to the XXXX SHAME on Chase! Shame on XXXX Chase!!! And yes, I did save the envelope with the postage date, for future reference. Chase had every opportunity to get this right reversing the charge LONG before the seller CLAIMED to have shipped the product. However, with malice of forethought Chase made the conscious CHOICE to shove it up the customers butt RATHER than taking the CONTRACTUAL, honest, and ethical action slimy sleazy unethical business practices! Why because it was easier to STEAL from the customer than to get the money back from the seller ( did I mention you could XXXX XXXX ) the simple solution months ago! In other words, Chase botched the dispute then attempt after attempt to cover up with a continuous stream of lies! Is Chase Visa criminally liable for constructive acts to defraud? I IMPLORE Federal and State Attorney Generals of all 50 states to go after Chase Visa for slimy sleazy unethical immoral breach of customer contract practices! This should be more than a GREAT example of a massive class action, after what I have experienced, I have to believe this has happened to hundreds if not thousands of other Chase Visa victims. I DEMAND full RESTITUTION, a FORMAL letter of apology and a complete cleansing of my credit history not to mention charter assignation, slander, liable damages! all because of the slimy sleazy unethical immoral business practices of Chase VISA! As of today, I have still NOT received the SEWING MACHINE CABINET for which Chase STOLE {$190.00} PLUS {$400.00} from me! Had they done their job in the first place ( what they are contracted to do ) this scenario would never have occurred. Instead they lie after lie after lie bullying, threatening, and terrorizing customers! My credit rating once in the mid 800s never even remotely close to late payment for the most part always paying the entire balance PRIOR to receiving the statement all prior to CHASE terrorize and bully tactics! Bullying slandering character assassination collection calls late charges multiple lies to credit bureaus multiple lies to the XXXX,,,,, for {$190.00} sewing cabinet NEVER received! LIE AFTER LIE!!!! I am going to work very hard to post this every day to as many web sites as possible. I want the world to know how slimy sleazy terrorizing bullying slandering character assassinating unethical practices by slimy Chase Visa MY GOAL 50-100 A DAY! Did I mention seller is in XXXX?? Did I mention the seller was XXXX? However, I am sure that had nothing to do with Chases slimy sleazy unethical business practices. And YES, XXXX Chase does know all that you now know! I do have a PDF of all 100 pages documentation and communications readily available PLEASE PASS ON at every opportunity you have, Thank You! | ||||||
| 02/16/2019 | Yes |
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| I purchased business educational programs, XXXX XXXX and XXXX XXXX from XXXX XXXX with charges over a few months. There are 4 charges that I am disputing because I received absolutely nothing, no materials or services for the charges. The charges, totalling {$37000.00}, were posted to a Chase Bank Visa card as follows : XX/XX/XXXX - {$9000.00} for XXXX Payments XXXX XX/XX/XXXX - {$10000.00} for XXXX Payments XXXX XX/XX/XXXX - {$10000.00} for XXXX Payments XXXX XX/XX/XXXX - {$8600.00} for XXXX Payments XXXX. The educational programs advertised to include teaching materials, life time access to made-for-me marketing materials ( e-mails, ebook, sale support, life time access to XXXX XXXX websites, continuous training, follow up, etc ) and prepaid XXXX meetings at a luxury resort in XXXX XXXX and XXXX. I received absolutely nothing for these charges. On XX/XX/XXXX the FTC appointed a Receiver, XXXX XXXX XXXX who froze the XXXX XXXX company and its subsidiaries, all websites, telephone numbers and company assets pending investigation which concluded the company was a fraudulent operation resulting in permanent dissolution of the company that was deemed to be a scam. There was no access to the former XXXX XXXX merchant preventing me from any direct negotiations re these charges. Thus, I contacted Chase Bank requesting a refund of these charges. I provided Chase Bank with the links for the FTC actions as listed below. 1a. Receiverships Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX 2. Complaint : XXXX XXXX XXXX 3. Temporary XXXX XXXX : XXXX XXXX XXXX 4. An Article on the FTC website www.ftc.gov : XXXX Chase initially posted temporary refunds for the disputed charges pending further investigation. On XX/XX/XXXX I was notified by Chase that my dispute of the {$9000.00} charge had been resolved. They said they had discussed my claim with the merchant and based on information from me and the merchant and the time passed since charges and dispute, concluded the merchant was unwilling to credit my account and that the charges would remain on my account. As there was no possible means of contacting the merchant after the FTC took over in XXXX, the bank lied about discussions with the merchant. On XX/XX/XXXX I received a letter from Chase stating that their investigation had concluded that I received benefits for the charges on XX/XX/XXXX and XX/XX/XXXX, Furthermore, that I had notified them that the charges on XXXX/XXXX/XXXX and XX/XX/XXXX were valid transactions. Once again Chase was fabricating answers that were untruthful, I had received NOTHING for any of the 4 charges and I had never told them the transactions were valid. I responded by rejecting their decision initially telephonically and when it became apparent the bank was not paying attention to what I was saying in writing on XX/XX/XXXX. The points I made were 1. The FTC findings and closure of XXXX XXXX declare the transactions as a scam. Is CHASE Bank disputing the FTC findings? 2. There was no merchant access due to FTC actions and thus, no one with whom I could dispute the charges nor with whom the bank could have evaluated the validity of the charges. 3. I have not received any goods or services at all for the programs I purchased which were XXXX XXXX and XXXX XXXX. These programs were advertised as including teaching materials, marketing tools, XXXX meetings and related materials. 4. In fact, I received absolutely no products or services of any kind for the charges. 5. The facile, and frankly insulting, definition that if I provided the card details to the merchant it was not a fraud despite the FTC finding that the merchant was running a scam operation. I am disputing these charges because I received nothing for them. 6. Finally, other Affiliate Marketers of XXXX XXXX known to me personally, have received permanent credits for charges they made on their CHASE cards. Why is my account being selected for discriminatory action that is inconsistent with the banks actions on the same question for other clients. 7. XXXX XXXX and XXXX have given me permanent credits for similar charges that I made for XXXX XXXX products and services based on the findings and actions of the FTC with respect to XXXX XXXX. I concluded with the following questions : a ) WHY IS CHASE BANK TREATING MY REQUEST FOR DISPUTE OF THE CHARGES DIFFERENTLY THAN OTHER CHASE BANK CUSTOMERS. b ) FURTHERMORE, WHY IS CHASE BANK NOT ACCEPTING THE FTC FINDINGS IN MY CASE WHEN MY OTHER BANK AND XXXX XXXX HAVE. Social media is full of comments and reports of multiple financial institutions refunding these charges. Chase responded in writing on XX/XX/XXXX informing me that they had re-examined the matter and confirmed that the transactions were valid and would stay on my account. Another letter from Chase on XX/XX/XXXX stated that the transactions were valid because I provided my card information and authorized the transactions. That I had received services prior to the FTC action to close XXXX XXXX once again ignoring my statement that I had received no services. I replied once again rejecting their findings in fact and challenging the absurd definition that a fraud could only be if someone other than myself used my card, I repeated that I was claiming refunds based on receipt of zero products or services, not on the charges being fraudulent. That terminology came from the FTC not from me. Chase sent a couple more letters stating the same thing, namely that the charges were valid and I was responsible for them. Further attempts to talk with the relevant Chase Dispute staff resulted in direct insults to me when the supervisor claimed to be unable to understand what I was saying even though my English ( mother tongue ) was better than hers and she had an accent. This farce was witnessed by the local Chase branch deputy manager from whose office the call was made. I wrote again on XX/XX/XXXX reiterating the position, pointing out that they had ignored the points refuting their position in my previous correspondence. In a letter from Chase on XX/XX/XXXX they had said that they would not reply or respond to any further requests from me as they had done all they can do to assist me. In my XX/XX/XXXX memorandum I charged that the questions I had posed in previous correspondence had been ignored and therefore should be considered new information. I received a reply on XX/XX/XXXX stating that they considered the transactions valid, that no billing error had occurred and that the charges would remain on my account. They did not address the apparent discrimination against me by subjecting me to different treatment for the same charges for which other clients of Chase had had received refunds. Nor did they provide any response to my charge that they were in fact supporting a documented scam operation per the FTC against one of their clients, thus providing support to criminals against a US citizen. | ||||||
| 08/26/2022 | Yes |
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| Chase Branch case of XXXX XXXX XXXX of {$3600.00} Taken by ATM and not deposited into account. Chase Case Number : XXXX I am XXXX XXXX XXXX, and a XXXX in the University XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a long time resident in Texas. I.- The Incident : On XX/XX/2022 while on my summer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, for the XXXX XXXXXXXX XXXX , and after collecting payments from customers, I drove to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX XXXX GA where I made a deposit to my checking account # XXXX, through the drive-through ATM, at around XXXXXXXX XXXX I inserted {$3600.00} USD in XXXX bills of different denominations, but the ATM stalled, gave me an error message and did not issue a receipt, nor returned my money. I panicked and immediately called My father via XXXX XXXX He told me to attempt another deposit of XXXX dlls to make sure there was a record I was there, and make sure the ATM would take it. I did and the deposit went through and provided a receipt. I also got out of my car and walked around so that the cameras would be able to see me and record me being there, so it would be easier for the bank to track the issue, timing and camera records. I went back the next morning of XX/XX/2022 to the Branch before they opened, and immediately spoke to XXXX XXXX XXXX XXXXXXXX, Relationship Banker, XXXX XXXX XXXX XXXX XXXX XXXX was very helpful, opened the case of the situation and reassured me that within 2-3 days Chase will contact me via e-mail with a resolution to my case, as they took this matters very seriously. II.- The Case Follow Up : On XX/XX/XXXX I boarded a cruise with my family and by then Chase had not provided any answer to my situation. By XX/XX/XXXX, when we returned to port, I had no e-mails about my case, so I called Chase Claims Department to enquire about my case, to find out to my surprise and shock that the claim had been denied, claiming that the money had not been found. I immediately called the branch with XXXX XXXX, who told me she couldnt help me more and that I had to follow through again with XXXXhase Customer Claims Department. I asked what would be the process in which Chase could check the security cameras, and I was advised that to do that, a Police Report needed to be opened. III.- The In-Person Branch visit and Police Report : I decided to fly to XXXX with my father XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to meet with the executives at the branch to follow up again on this case. We met with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX, the branch manager, was not in town ). XXXX XXXX called again the Claims Department and requested to escalate it and open it again. She indicated that the ATM on the drive-thru, although is branded as Chase ATM , is serviced and managed by XXXX She advised us to file a police report in the county to aid the process. We did under such advise and opened a Police Incident Report at the XXXX XXXX Police Department, on XX/XX/2022 under case number XXXX with XXXX XXXX, badge XXXX. IV.-The Appeal to the denied Case and contacts with Chase Executives XXXX We proceeded to contact XXXX XXXX XXXX XXXX Marketing Director at Chase to request his support to better understand how to proceed with this case to recover the money I entrusted to Chases ATM. I have not been able to speak to XXXX XXXX, but only with his assistant, XXXX XXXX, nor he has replied to our emails. I have also tried to get the contact information of XXXX XXXX XXXX XXXX, VP of multi branch, but the branch has declined to give me his contact information. On XX/XX/XXXX, I received a call from Chases Claims department indicating that the case had been re-opened and that they would be in touch via phone with us. I asked where could we communicate about this case via e-mail, but were told that this cases are only handled via phone, not e-mail. On XX/XX/XXXX I called again to the claims department to enquire about my case as was told that it had been closed again and that to reopen it, I need to provide more details or evidence about my deposit. I have evidence of videos and pictures but they told me that they can only receive faxes and not emails. I have enquired about them checking the security footage but again they told me they can do it only if requested by the police which shocks me. V.- The Concern about deleted camera Footage I have a major concern about the length of time which camera footage is kept. In this case, since there is an Incident Claim, I want to make sure the cameras footage from XX/XX/2022 between XXXX XXXX and XXXX XXXX are NOT deleted, so they can serve to proof that I was there, inserted the money into the ATM but it failed to deposit it into my account and did not return it to me. I have been told that in order to have the footage reviewed, I have to have the Police department request it ( or be subpoenaed ) Why would we need to subpoenaed the cameras footage to have it reviewed?, shouldnt this be Chases standard procedure when a case like this is raised? VI.- Concern about closed case, again. On XXXX XXXX, 2022 I called again for an update and was told that after elevating the case to an executive review, the case was closed and indicated that if we have additional information, CHASE may consider re-opening the case. I have already sent this information as a request to re-open the case and check with XXXX, who is the provider of the drive-through ATM at the XXXX branch XXXX for the missing money. We were shocked to find out from the branch today, after talking to XXXX XXXX XXXX XXXX, that she is still waiting for the XXXX report, yet the case has been closed already twice. VII.- Request to re-open the case- XX/XX/2022 On XX/XX/2022, under the advise of Chases Claims department, my father went to a Chase Branch and requested them to send a fax to the Claims Department requesting to re-consider the case and open it again. I sent a very similar letter like this, requesting the case to be re-considered and XXXX to be requested to provide the deposit records of the drive-thru ATM, plus check camera footage of my deposit. I am deeply concerned with the way CHASE has handled the communication of this case The lack of written ( email ) communication is very concerning to me. On XX/XX/XXXX, I called XXXXhase claims department and was told that the company had made a mistake not crediting my account immediately after placing my complaint and that they would credit me and continue the investigation. This same day, another person from the claims department called me to tell me that the case had be closed again denying it. I recorded the conversation where they indicated the mistake they made and will attach it in this complaint. To this day we have only received a regular mailed letter from XX/XX/XXXX when they initially denied the claim and no other written communication | ||||||
| 04/30/2021 | Yes |
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Web | Servicemember |
| I have contacted the company over 13 times regarding an issue with a dispute I tried filing with them. I have received an onslaught of various communications all from supervisors. Several months later and my dispute is still not being handled appropriately. I have successfully disputed these charges with the same merchant with Visa with 4 other banks. This is the ONLY bank that refuses to forward my dispute to Visa. I know I have the proper documentation and proof and that I qualify for Visa dispute code 13.5 Misrepresentation after going through the process with several other institutions and reading the Visa Dispute Code handbook. Below is a letter I sent the company regarding my numerous contacts with them : Im writing you all regarding the disputes I submitted for both my husband and I prior to XXXX. During this time Ive spoken to over 8 supervisors in the disputes department regarding my case and my dispute has still NOT been sent to Visa for resolution. In XXXX I had called to submit a dispute that was initially filed as fraud despite me telling your team that it was not fraud as I recognized the charges but that I was wanting to file a dispute. Your team then forwarded the fraud investigation to the disputes team later on. On XX/XX/XXXX I spoke to XXXX in XXXX XXXX, TX who told me my dispute was in the review stage and that you all were waiting the 30 days for the merchant to respond. She provided me a date of XX/XX/XXXX by which the merchant had to respond. On XX/XX/XXXX I spoke to XXXX XXXX who gave me the following case numbers for my husband and Is disputes : XXXX XXXX XXXX also informed me our credit cards had been placed on hold so we no longer be acquiring interest while we await the merchants response. She reiterated what I was told by XXXX on the XXXX which was that we had to give the merchant 30 days to respond from the date the investigation was initiated. I inquired what the day the investigation was initiated for clarification and she provided the day of XX/XX/XXXX that the investigation was initiated. On XX/XX/XXXX I spoke to XXXX. I was calling to ensure the merchant still hadnt responded and we were still on track to receive our reversals so long as they dont respond. To my surprise I was informed by her that it hadnt been forwarded to Visa due to lack of information and clarification. I had informed her that I had sent you all over 70 pages of supporting documentation regarding my dispute. I also had NOT received any notification for both my husband and I that you all wanted or needed any additional information or clarification since I last called in XXXX. She also informed me that my husbands case had been closed even though I received no follow-up communication that you needed anything to continue his dispute. XXXX then reopened my husbands dispute and walked me through what clarifying information I needed to provide for both my husband and I, which I provided via our member portals while on the phone with her. XXXX then informed me after providing the clarifying information for both my husband and I to wait 2 business days for a temporary credit to be processed to our accounts and that would signal to us that it had been sent off to Visa. On XX/XX/XXXX I called as a temporary credit had still not been applied and spoke to XXXX XXXX at XXXX XXXX XXXX who informed me that he was escalating my case and that someone would review it and call me in XXXX XXXX. On XX/XX/XXXX I call back as I never received the above call and spoke to XXXX at XXXX XXXX XXXX who to my surprise told me that both my husbands and Is cases had been closed! He told me it was due to the fact that I had no dispute rights after 120 days. I informed him that this was incorrect as dispute code XXXX of Misrepresentation, which was what my dispute should be disputed as, allows for exceptions to this time frame and has specific verbiage regarding credit and investment services which applies to my situation. Due to the fact that I had submitted an abundance of documentation showing that there were ongoing communications between me and the merchant regarding this transaction and that communication occurred within the 120 days and continued through XXXX of this year XXXX reopened and resubmitted our disputes. He informed me that it could take up to 5 days for an approval update on his submission and that I would receive a temporary credit within that time frame. He, like XXXX, stated that receiving that temporary credit would signal that it was sent off to Visa and that the merchant would have 30 days to respond, just as XXXX and XXXX had informed me back in XXXX. He provided me the following case numbers : XXXX XXXX On XX/XX/XXXX, I still hadnt received the temporary credit and spoke to XXXX at XXXX XXXX who informed me it was submitted for re-review but that the previous representatives who had told me I would receive a temporary credit were incorrect. He also informed me that there was no timeframe he could give me in which I could expect my dispute to be forwarded to Visa. On XX/XX/XXXX, I faxed a letter to Chases Executive office, On XX/XX/XXXX around XXXX XXXX XXXX I received a call from XXXX from the Executive Office Team. He told me he would be my advocate regarding this matter and that he was reaching out to the disputes department to get this taken care of. On XX/XX/XXXX around XXXX XXXX I received a call from XXXX a supervisor in disputes who told me that both my husband and Is disputes are being reviewed by the offline team and within 15 days from the XXXX ( the XXXX ) I would be receiving a call from the person reviewing my case and never did. On XX/XX/XXXX I received notification that my dispute had been closed as the charges were viewed as valid as they were disputed under services not received versus under misrepresentation as I have requested for it to be disputed as from day 1 and as I reiterated to XXXX with the Executive office team on the XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I spoke to XXXX who stated that he was reopening my dispute and having it re-disputed. He also notated my account with the fact that I wanted my dispute to be disputed under misrepresentation along with the facts as to why I wanted it disputed under this dispute code versus services not received. He also stated that my husbands was still under review. On XX/XX/XXXX at XXXX XXXX XXXX I spoke again to XXXX from the Executive Office who told me both my disputes were being closed but couldnt answer as to why they were not disputed as misrepresentation as I had requested. He also couldnt answer me when I requested why there were no answers as to why several supervisors had told me my dispute had already been forwarded to Visa or would be forwarded to Visa and never was. He stated that there was nothing else he could do and that my only other course of action was to go outside Chase to reach a resolution. | ||||||
| 09/08/2020 | Yes |
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| I applied for a United Airlines Explorer Mileage Plus credit card issued by Chase Bank, NA. I was approved with a credit limit of above {$10000.00}. Chase bank kept sending me offers that if I spend {$3000.00} with them in the first month I would receive an amount of bonus miles with United Airlines. I spend the {$3000.00}. Then the second month they offered me the same offer to spend {$3000.00} more on the card. I did spend {$3000.00} more to earn the miles. Then the third month they sent me yet another offer to spend {$3000.00} to earn even more miles and I did spend the additional {$3000.00}. So in total they solicited me to spend {$9000.00} in three months and I did. I made timely payments on the account and just a few days ago I paid off the entire balance on the account which was around {$10000.00}. Chase closed my account. The reasons they cited were the following : 1. Rapid increase in revolving balances 2. Not enough credit information on file 3. Recently returned payments on one or more of your accounts with Chase To explain my point of view on the above three issues they cited as reasons for closing my account. To point # 1. They solicited me to spend money on their card to earn miles. In total they solicited me to spend {$9000.00} in 3 months. So I did and I did it to earn the miles they were rewarding me with. My question is ; When they are soliciting me to spend and I do spend and then I pay off the card, why do they then penalize me for spending too much on the card? To point # 2. I have only had the card since XXXX, 2020. Obviously then don't have enough credit information on me. I just started this relationship with them. I have been making timely payments ever since the card was opened and I paid off the balance in full twice. Once in the first month of opening the card and then finally just a few days ago. I did this to establish a credit history with Chase. My question to this point is : How am I supposed to build credit information with them if they wont let me by closing down my account. To point # 3 : " Recently returned payments on one or more of your accounts with Chase ''. This was a mistake on Chase 's part. In their mobile app they allow you to link your bank account with the card so that you can make electronic payments. During this setup process they ask you for your bank account " routing '' number and account number. When they ask for your routing number they don't specify which routing number they want. It could either be the wire transfer routing number or the ACH routing number. Since they didn't specify which routing number to use, I used the routing number as printed on my checks from my bank account. This routing number is the wire routing number. Regardless, I went through the setup process to link my bank account, they accepted the information I provided and I then attempted to make a payment in full which was for around {$1100.00}. Later they rejected my payment because I didn't enter the correct routing number. I contacted Chase and they told me that I provided the wrong routing number and that they needed the ACH routing number. I told them that they asked for the routing number from the check NOT the ACH routing number. Nevertheless, I corrected the routing number with Chase and provided them with the ACH routing number. They accepted this routing number and I AGAIN attempted to make a full statement balance payment of around {$1100.00}. This time the payment was successfully processed and the funds were debited out of my bank account and they credited the fund to my credit card. So to summarize the issues and my position, they asked me to spend more and more money on the card by manipulating me with advertising and offers or rewards. When I accepted their offers and did as they asked they use that as a reason to close my account. This is false and misleading advertising and is fraudulent behavior on their part. Secondly, they didn't give me a chance to build a credit history with them. They hit me with offer after offer after offer to max out my card 's available credit and I did so in an attempt to earn the rewards and then they penalize me for not having " enough credit history '' with them? Why solicit me to spend so rapidly and when I do then they close my account? And thirdly, they made a mistake by asking for the routing number as printed on the check, but in fact this is not the routing number they needed. So they made a mistake not me. So they close my account because of their mistake??? Now as a result this is how I have been negatively impacted by their false and misleading advertising practices, solicitation and requests for bank information. My revolving available credit has dropped by {$10000.00} in my tri-bureau. This has had a negative impact on my FICO score. Secondly, by closing my account I have lost my timely payment history on my tri-bureau credit report and this has negatively impacted my credit score and finally by closing the account down at the issuers instructions, this has negatively impacted my FICO because it shows that the account was closed by the issuer and not voluntarily by me. Now the end result is that I will have to pay a higher interest rate on future credit lines, may get declined for other cards and overall make getting additional credit issued in my name more difficult. I request that your organization contact Chase about this situation and their fraudulent practices and have them reinstate my card and not make any negative reporting to the credit bureaus that could hurt me in the future. In the attachments to this complain I have uploaded 7 files for your review : 1. XXXX XXXX Statement - XXXX, 2020 - If you look at the last page of this statement you will see an ACH debit to Chase for the statement balance amount of approximately {$1100.00}. This statement is important to for two reasons. 1 - it goes to prove that I made the payment and if you look at all the transactions in the month of XXXX you will not see any returned payment to Chase. 2 - it important to take note of the fact that they did an " ACH '' transfer not a wire transfer which is the number they requested from the bank check. 2. Letter from Chase regarding reasons for closing the account. You can read this letter and you will see they reasons they cite for closing the account which are not fair reasons as I mentioned in detail above. 3. Screenshot of Chase credit card mobile app where it asks for your routing. This is an important document. You can see in this screenshot that they are asking for the wire routing number as printed on my check NOT and I stress NOT the ACH routing number. Which is why they couldn't process my first attempt to pay off the balance. 4. Four different variations of solicitations I received from Chase to open accounts, spend money on the account, earn rewards for spending the money etc, etc. | ||||||
| 08/23/2022 | Yes |
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| I was under Covid protection/mortgage forbearance until XX/XX/XXXX. I was told, under this, repeatedly, any missed payments were deferred and would be due as a balloon payment at the end of my loan term. When I expressed concern about my ability to make a balloon payment in such a short space of time, I was advised the loan would be converted to a 30 year/not to worry/cross that bridge, etc. In early XXXX, I reached out and was initially offered a deferment, although, at that point, my loan was current. I don't recall the name, but I did receive a call/had conversations on XX/XX/XXXX with a gentleman who identified himself as my personal " account specialist ''. The conversation we had was very difficult to understand ( he sounded like he was underwater ) and I never heard from him again. He told me I was no longer eligible for forbearance and something of something that " my situation had changed ''. I received no further communications of any sort about this. In XXXX I contacted Chase ( I believe mortgage forbearance, again ) and was cheerfully informed to not worry, I was eligible for a deferment and would I like to accept it? I agreed, it was a two month deferment. On XX/XX/XXXX ( I know because I had a handyman over, have pictures of the new door uploaded on my phone ), I received a notice my account was now 5 months past due, I must pay the entire past due amount immediately or I would be foreclosed on. I called the number on the notice. The very nice and helpful lady who answered immediately told me I was " eligible for a deferment and that would bring my account current, would I like to take that? ". I did, but I again made a point of discussing that my account should not BE approaching foreclosure, because it was, at most 60 days past due. I believe this was essentially ignored/brushed aside and I was told to not concern myself about this. On XX/XX/XXXX ( I'm basing this on my payday -- -so I attempted to make a payment when my mortgage was either 60 days late, not the 150 days you continued to claim ), I submitted an online payment for half my mortgage payment. It was rejected. I inquired as to why and a copy of your " good-bye letter '' was sent to me electronically. IT specifically states " nothing will change about my account except for who I remit my payments to ''. I also called customer service about it, multiple times and was assured there would be a 60 day freeze of any negative activity and, since I was ( once again ) eligible for a deferment, that would be honored. I immediately began seeking to communicate with XXXX and was in later Approved for a trial payment plan/loan modification, even though the account would have been still frozen. I made my first trial payment to XXXX on or before XX/XX/XXXX, because it posted on that date. I would later be informed it " doesn't count '' because it was made before the 60 day freeze was over ( or some such ). I decided during this time frame, while I had been treated unfairly, I would move forward because the modification would allow me to resume payments and pay off my loan, the only thing I had ever wanted to do. In a conversation with my Single Point of Contact/Loss Mitigation XXXX, XXXX XXXX XXXX XXXX also included, so she and Shellpoint XXXX XXXX made aware of this, as I have requested, I was informed a Quit Claim Deed would be needed to proceed with the loan modification, once my trial payments were concluded successfully. I had not heard of this, was under the impression the property merely awarded to me is sufficient, but this is not the case. I was further informed in multiple, subsequent conversations with other XXXX representatives, XXXX would likely proceed with foreclosure if I did not obtain a Quit Claim Deed, which my ex refuses to sign. In one of these conversations ( I had always planned on making much larger payments, anyway, as again, my only wish was to pay off my loan and live in my house ), I inquired about other options. I was informed even if I was deferment eligible, XXXX must have that in writing and they considered that to then be due immediately and upfront. Further more, because the last payment made ( ignoring the unapplied trial payments ) and they also ignored the Covid Mortgage protection, they considered my loan to be a full year past due and I must make 12 payments ( nearly the entire loan, in fact ) upfront. If I wanted to make a " mere '' 3 upfront payments, I needed to prove, in writing, it was only 90 days past due when it came to them. Honestly, even {$4300.00} would be a struggle for me, but I'd certainly seek to find a way. With this information, I reached out to Chase customer service to give me documents that supported my assertions. Each secure message grew progressively rude, dismissive and snotty. And failed to give me the information I had requested. The second such communication was so obnoxious, I realized this action has been illegal, advised I'd be pursuing legal action and submitting regulatory complaints unless I was satisfied. My complaint was escalated to XXXX XXXX ( not sure of the spelling ). I was assured of a reply within in 3 business days. I also began some cursory internet research and uncovered a variety of lawsuits and actions against Chase that are remarkably similar to my situation, indicating precedent and an ongoing pattern dating back over a decade. I called the line I was given for Mortgage Escalations ( XXXX ) daily : Thursday XX/XX/XXXX, Friday XX/XX/XXXX and Monday XXXX. I was assured " an email was being sent '' to XXXX about this and he would call me as soon as he " had completed his investigation ''. When I called Monday, I was first brushed off similarly, then the associate noticed a not had been left, again, brushing and dismissing my concerns. No one bothered to call and inquire as to specifics, nor did anybody seem concerned about my issue or my continued assurances of my intent to pursue legal action. I immediately demanded a supervisor and/or the Executive Office . The associate repeatedly tried to talk me out of this insisting, 'this is something we do all the time ''. Yes, I am fully aware you are legally entitled to sell my loan at any time, for any reason or no reason. You are NOT entitled to make verbal contracts with me, breach them and not inform me. You are not entitled to record incorrect information and not correct it or justify it when I've brought it to your attention. Ultimately, I sent this summary to my " executive '' and was told, after an extensive amount of time, that my mortgage " was ineligible for deferment because the amount was so small ''. Except, again, it was repeatedly offered to me, I never before informed of this, it was never 5 months past due, etc. I was repeatedly given contradictory information by the bank and they repeatedly committed fraud and breached the verbal agreements they kept making. | ||||||
| 07/14/2020 | Yes |
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| I am submitting this brief statement as an addendum to the complaint I submitted regarding Chase earlier this evening. I want to make it a point to mention that I entered the bank the second time ( after I had my ID ), and I waited behind the sign until I was called, at which point I approached and had a brief interaction with the banker who I mentioned, Mr. XXXX. He ( XXXX ) then loudly asked me to step aside, because I was blocking his ability to help the gentleman behind me. This man, Mr. XXXX, he WAS THE ONE WHO CALLED ME OVER. And then he treats me like Im being a nuisance? Thats just so disappointing on so many levels. It is manipulative, deceitful, and many other things ( but most importantly : morally and factually wrong ). The gentleman to whom Mr. XXXX was referring had stepped away, and ( as far as I knew ) was finished and left. How was I supposed to know? My back was facing towards him. I only approached Mr. XXXX after the other guy stepped away and Mr. XXXX called me over. At which point he only became unfriendly when I mentioned the name XXXX, the name of the gentleman that Mr. XXXX or ( presumably ) one of his colleagues had connected me to when I called perhaps 20 minutes prior to speak to someone ( other than the lady who turned me away ) to let them know how disappointed I was with the experience I just had. Last time I checked, this isnt a sports team. And what I mean by that is that these people are treating me ( and presumably other customers ) like Im on another team attacking their players, the bank employees being analogous to the players in this comparison. That is the wrong attitude to have with not just me but any customer ... In my case, I have many many many reasons to want to be friendly, get along, and give you money, fist-over-fist. I tried to do just that, and its like these employees went out of their way to be unfriendly. I dont just feel rejected as a customer. I feel rejected as a person. I feel judged, profiled, etc. I have a distinct feeling that their attitude corresponded to the way I looked, which is XXXX ( their attitude in this sense, that is, colloquially speaking ) ; and, this behavior is illegal by the way : you cant profile people by the way they look, thats called discrimination. It is unfortunate that your employees were too busy staring at my tank top and XXXX backpack ( which I am proud to say is 25 years old, XXXX years less than me, and in my possession this entire time, and still in great condition ) to notice the {$1000.00} shoes ( and low-key lululemon shorts that cost more than that cheap suit thats too tight - thats a pro tip to Mr. XXXX Not my place to tell you how to dress ; however, if I wanted to look like a banker, Id avoid wearing suits that are too tight. And Id also avoid wearing anything with a polo emblem on it ). Low-key : my tank top costs more than your outfit. And its a XXXX of a lot more comfortable. Theres a reason youre working at a bank chafing it up in tight suit at XXXX on a Monday evening, and I am in a tank top dropping off a check after taking an amazing walk before dusk. And I really feel like that is what happened. I mean .... read what I wrote directly above. Its obvious that I feel profiled because my rant/vent is pretty defensive and emphasizes the low-key nature of my style, something that not many notice or appreciate. What happened is : I feel like I sat down to open an account and when I first entered that lady profiled me and assumed I didnt have a lot of money, both because of my appearance and my confusion with the line and then rejected me because she didnt want to waste her time. I have dealt with these types of people before. They are part of why I moved to XXXX/Cali ; and, frankly, if your employees are treating someone differently based on the way that they look in TWENTY TWENTY, 2020, etc ..., and doing it in XXXX, good XXXX luck getting any business out here. I saw a dude in a sweatshirt and XXXX chaps yesterday on the side of the road buying a XXXX in cash. XXXX anyone stupid enough to profile people out here. Excuse my language. People like these are why I go out of my way to dress like XXXX and grow my hair long. I want to see how people treat me when they think they have nothing to lose ; and, furthermore, I want to see how they act when they are in a position of ( perceived ) power over another individual. Im not sure if this is said often/at all ; however, an expression that has always stuck with me is that you can tell a lot about a person by the way they treat their inferiors. These were not kind people at this bank. I visited JP Morgan Chases philanthropy website multiple times in the past week, and a big part of your mission as a company, from a philanthropic standpoint, is to promote diversity and inclusivity, just as it is mine and XXXX XXXXXXXX to promote those same ideals in the biomedical sciences. Diversity is one of the most important ways that innovation is driven and forward progress made. In the sciences, promoting diversity is analogous to new ideas/new styles of thinking, many of which lead to groundbreaking discoveries that can ( and often do ) change the world for the better. I plan to change the world for the better. And if Im a little different, which I am, and some people judge me because of that .... Thats okay with me - I am glad I know who/what my true friends/supports are. XXXX fake people. XXXX ( specifically referring to Mr. XXXX and his female banker colleague ). Ill go to a different Chase branch where the banker respect me as a person, not just what I can offer as a tool to use for your profit ( btw : people who view others/the world this way have a name : narcissistic sociopaths ). As I said, I have a massive amount of respect for XXXX, the executive director with whom I have been working on this philanthropic endeavor these past few months, which, at this point, is the only reason why I am even still considering making an account with Chase, an account which is now going to be at a location that is pretty inconvenient ( compared to the XXXX XXXX and XXXX XXXX XXXX 1000 feet away from my house ). I still want to give chase my business, and I am still going to give chase my business ; however, I want you all to know that the only reason for this is as stated above. If I were anyone else in any other situation, I would be a crazy person to do business with a bank that has an entire branch of employees who treat customers like they are nuisances and/or otherwise unwanted guests. Even with the disability-related limitations I have in ascertaining various intersocial colloquialisms, I understand that the fundamental social dynamic driving a successful and long-lasting business relationship is respect and trust. I still respect and trust Chase as an institution and XXXX as a person ; however, the branch at XXXX and XXXX no longer has either. | ||||||
| 11/10/2021 | Yes |
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Web | Servicemember |
| On XXXX XX/XX/XXXX I contacted JPMorgan Chase XXXX XXXX ( Chase ) to pay off my XXXX XXXX XXXX Auto Loan. I spoke with a Chase representative who stated the pay off balance was {$3300.00}. I asked if I could pay over the phone using my debit card. He said no, that I would have to pay with a bill pay check that he could do over the phone. He asked me to provide my check routing and account number information. Since I called Chase and had to go thru all the prompts to get to the payoff department, I considered it safe to give this information to this individual to pay off my car. The conversation was recorded as he had to read me all of this standard information concerning my title etc. and he had to get my verbal OK to charge me the {$3300.00}. I provided authorization for a ONE time charge to my checking account. I made it clear via my recorded conversation that it was for a ONE time authorization. He assured me that it was one time and congratulated me on paying off my loan. On XXXX XX/XX/XXXX, this payment of {$3300.00} was posted to my bank account. On XXXX XX/XX/XXXX, I got a bank alert that my account was overdrawn and they auto transferred funds from my savings account to my checking account to cover my auto draft mortgage payment. When I got into my bank account app, I saw that Chase had withdrawn another {$3300.00} from my account that was issued on XXXX XXXX and had posted on XXXX XX/XX/XXXX to my checking account, which is what triggered my account to be overdrawn. I immediately contacted Chase about this unauthorized draft on that day, Saturday XXXX XX/XX/XXXX. I spoke with an individual with Chase and they stated that my auto loan account was paid off on XXXX XX/XX/XXXX and that any payments going to that account would be returned because the account was closed. I asked that they assure me that there is no auto draft or other issue with there system that would have triggered the XXXX XXXX {$3300.00} draft. The person I spoke with stated that there was no auto pay flag on the account and that since I had provided the check info verbally over the phone when I payed off the account the information would have to be manually typed into the system to trigger the duplicative charge. I asked that they check it anyway and they said they did and that any overpayment will be returned. They apologized for the issue and stated the issue was resolved but stated I needed to contact my bank to make sure they were aware of the issue. I asked if I needed to file a fraud charge against Chase thru my bank. The lady from Chase said that I should file a report with my bank. After I hung up with Chase, I contacted my bank, Bank XXXX XXXX ( XXXX ), where my checking account is. After being on hold for an hour, I am switched to an auto message stating that I needed to call back during operating hours Monday thru Friday. This was about XXXX on Saturday XXXX XXXX. Given that it was the weekend I determined I needed to try back on Monday morning. On Monday XXXX XX/XX/XXXX, I get a XXXX alert that my checking account is overdrawn again. I decided to call Chase XXXX again to follow up on my dispute on the duplicative charge posted on the XXXX and that I had complained about on the XXXX. I told them to look at the notes in their system from my call on XXXX XXXX about the duplicate charge issued on XXXX XXXX and posted on XXXX XXXX and that they are causing me issues with paying bills by drafting the unauthorized check for {$3300.00} from my account on XXXX XXXX which posted on XXXX XXXX. The Chase rep stated that he is showing my loan as paid off and he can not see the unauthorized duplicative draft of {$3300.00} each, showing up in his system. After a bunch of back and forth, he stated I needed to fax Chase XXXX Financial Research department documentation that shows the the two {$3300.00} charges that have posted to my account ( XXXX XXXX legitimate draft posted to my account on XXXX XXXX and the unauthorized draft issued on XXXX XXXX and posted to my account on XXXX XXXX that I am disputing ). I faxed this information on XXXX XXXX while on the phone with the individual from Chase, I asked once again to make sure that there was no auto withdrawal or other prompt was clicked in their system to make sure this wont happen again. He assured me nothing was set to auto draft and the charge wouldnt happen again. When I hung up with him I contacted XXXX to make them aware of the duplicative charge and that I needed to file a fraud complaint against Chase. The XXXX lady stated that because the duplicative check that was drafted by Chase stated it was PreAuthorozed they didnt file fraud complaints on bank to bank checks. She advised to wait to see if Chase handles the disputed duplicative charge and credits my account. XXXX did waive the {$12.00} fee that they charged when they have to move funds from my savings account to checking account twice to cover overdrafts resulting from Chases unauthorized draft. I hung up not happy but feeling some what comforted that I had reported the issue, felt heard and that both Chase and XXXX would fix the problem. On the morning of XXXX XXXX, I go into my banking app and see where Chase has drafted another check for {$3300.00} drafted on XXXX XX/XX/XXXX that posted on XXXX XXXX to my bank account. This is after filing the dispute on the duplicate charge. This resulted in my account being overdrawn again and triggered another transfer of funds from my savings account to my checking account. On XXXX XX/XX/XXXX, I call Chase again. I tell them of the second unauthorized charge of {$3300.00} that posted on XXXX XXXX after I had contacted them on XXXX XXXX and faxed a dispute on the unauthorized draft posted to my account on XXXX XXXX. The Chase rep stated that he could see from the notes and had received my faxed documentation on the previous charge. He asked me to send documentation of the second unauthorized charge which I did. He stated that he has put a rush on getting my issue resolved and the funds returned. I asked him again to check his system that it is a set up for auto draft. He said he did and that they are not set up for auto draft from my account. After hanging up with Chase, I called XXXX and put a freeze on my bank account and stopped all auto bill payments scheduled against my frozen account and switched them to another bank account. ( Note : I have never had an auto draft for Chase. I have had to schedule those payments each month. ). After all of this back and forth with Chase, this morning I go into my bank account and see that they have drafted yet another check for {$3300.00} against my XXXX frozen account. I faxed documentation on this charge this morning to Chase. I just received notice that my credit rating and my husbands credit ratings have dropped by over 100 points due to this issue. Chase owes me {$6600.00} and should repair my credit rating. | ||||||
| 09/17/2019 | Yes |
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| Regarding XXXX Chase VISA, I have concerns that they are not complying with Credit Card Act 2009 for payment allocation and readability of balances. 1. They do not clearly show the amount left for promotional balances on monthly statements. Rather they show the daily balance rate. Which is not the same. In order to get your current balance on promo offers, a consumer must call in to an automated system to hear the current promo balance. Then when I question on payment allocation they ask me where Im getting the promo balance info from, I tell them from the automated system because my statements arent clear. They say, well we show you your daily balance rate on your statement. Yes, well that tells me nothing of value when I'm trying to determine what is subject to standard APR vs. 0 % promo for making payments. 2. Payment allocations : I have called in numerous times since XX/XX/XXXX statement complaining about how my payments are allocated. 3. I continue to receive inconsistent answers/responses to my payment allocation concerns/complaints. Per Credit Card Act XXXX, payments above the minimum are to be allocated to highest balance first, except when the promo is ending within next 2 billing cycles. XXXX Chase Visa has been allocating my payments and merchandise credit which were above my minimum payment incorrectly since at least the statement dated XX/XX/XXXX. The most current promo balances ( 0 % APR ) werent due to expire until XX/XX/XXXX and XX/XX/XXXX of next year ( XXXX ). My standard purchase APR is 17.99 %, subject to a daily balance interest rate. Examples of responses CSR and supervisors have given me when calling : The one correct response Ive received ( but I dont have CSR name written down- might have been XXXX ) on XXXX around XXXX : anything made over minimum is applied to standard purchases as long as the transaction is posted to the account I was calling Chase in regards to a refund I received from a surgeon for over {$2000.00}. At that time I had standard purchases over $ XXXX. I asked how the credit would be allocated and the CSR said the above statement and that she couldnt see how it would be allocated since the statement wasnt closing until XX/XX/XXXX but that I could call back if it hadnt been allocated appropriately. It wasnt allocated appropriately so I called numerous times. Other varied responses : Merchandise credits go towards previous statements, not current activity-regardless if they have posted to your account called in XXXX @ XXXX spoke with XXXX about my concerns over how XXXX XXXX XXXX XXXX erroneously charged my Chase XXXX XXXX {$4100.00} on XX/XX/XXXX ( posted XX/XX/XXXX ) and then it was refunded ( the exact amount of {$4100.00} ) on XX/XX/XXXX ( posted XXXX ). Chase allocated the credit mainly to my promo balances, cancelling the XX/XX/XXXX promo and all but {$400.00} of the XX/XX/XXXX promo. She said she understood my concerns and agree, so they are going to apply the refund from the XXXX XXXX directly to the XXXX XXXX charge. But it would take 7-10 days and response of resolution would come in the postal mail. She quoted the following info from XX/XX/XXXX statement : {$4500.00} was total statement balance {$2400.00} balance of promo rate at 0 % {$2000.00} balance of purchases subject to standard APR ( Promotional balances breakdown : {$1700.00} expiring XX/XX/XXXX {$700.00} expiring XX/XX/XXXX ) I didnt receive anything in mail over the weekend so on XX/XX/XXXX called, spoke w XXXX about above matters, was told Still pending a decision. I told them I needed information so that I could appropriately make a payment by the due date XX/XX/XXXX. I was escalated to a supervisor named XXXX who told me, any credit to the account above the minimum payment will go to highest APR on your prior billing statement. She said the credit helped me because it cancelled out the standard purchase balance on prior statement. I said but then instead of applying it to charges that posted to the account ( subject to higher APR ) it got applied to the promo balance. She said payments in acccess of minimum don't get applied to current activity and essentially I have to wait for my new statement to come out before I make any payments to balances subject to standard APR. Didnt receive a letter in the mail today ( XX/XX/XXXX ) so I called again, spoke with XXXX and he escalated to supervisor, XXXX who stated the XXXX XXXX refund was allocated appropriately. I asked him how it was allocated appropriately if I now have {$5500.00} subject to standard purchase APR and only {$400.00} balance to 0 % promo when according to XX/XX/XXXX STATEMENT : {$4500.00} was total statement balance {$2400.00} promo rate at 0 % {$2000.00} purchases subject to standard APR ( Promotional balances breakdown : {$1700.00} expiring XX/XX/XXXX {$700.00} expiring XX/XX/XXXX ) AND between XX/XX/XXXX and XXXX there were {$5200.00} in standard APR purchases ( including the {$4100.00} error charge ). XXXX stated, credit/payments above the minimum go to the oldest balance on your statement first ... so they were allocated appropriately since the promo balances were oldest. I quoted to him the terms outlined on Chase monthly statement ... we apply payments in excess of your minimum payment first to higher rate balances '' along w the responses from other CSR and the Credit Card Act 2009. He laughed at me. I ignored it and said my highest rate balances are on standard purchases ( 17.99 % APR ) so why wasnt the credit applied soley to standard purchases? He said because they apply payments to prior billing cycle first so because of that the promo got reduced to {$400.00}. I said but the promo wasnt expiring until XXXX XXXX and I had balances subject to XXXX XXXX APR which already posted to the account ( which I accrue interest on a daily basis ). ALSO, the charge wasnt on the XX/XX/XXXX statement, it occured after and I was charged erroneously by XXXX XXXX to begin with so why am I being penalized for their error. I said the credit should post to the original transaction. He said, " no, credits and payments that are made before statement closing are applied to prior billing statement balance- per the Credit Card Act ''. I told him I knew the Credit Card Act well and that they should NOT be applying the credits/payments above the minimum to my promo balances unless they were expiring within 2 billing cycles which they are not expiring until XXXX XXXX. Since we were talking in circles I asked to speak to his superior- he first said I was already talking to a supervisor. I repeated, I wanted to talk to someone above him. He put me on hold and said he could get me a manager but the answer wouldnt change. I said I still wanted to talk to HIS supervisor. He put me on hold, came back and said they were busy. I told him thats fine, I would be filing a complaint with CFPB and I ended the call. | ||||||
| 07/05/2022 | Yes |
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| During the pandemic, someone used my information to apply for credit cards and try to get things in my name but was not successful. Please remove all injuries of my credit report. Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address po box XXXX XXXX XXXX, SDXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address po box XXXX XXXX XXXX, IAXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX Phone number ( XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX credit file is unlocked. Lock your XXXX credit file to help prevent identity theft. Manage access file unlocked XXXX record These are financial accounts associated with bankruptcies. XXXX XXXX XXXX XXXX XXXXXXXX Record type Bankruptcy XXXX XXXX-petition filed Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX XXXX XXXX bankruptcies remain on your credit report for 10 years from the filing date. owl-branch What's a credit report? Your credit report is a detailed record of all your credit and debt accounts. It contains info about how much debt you have, how often you pay your credit and debt bills on time, and how long you have been managing your credit accounts. CREDIT Our credit bot is ready to help Dig deeper into the factors that make up your XXXX XXXX and get tips on reaching your credit goals. Learn more Services Overview Reports & Scores Personal FinancesXXXX XXXX Profile Protection Credit Cards Loans Auto Tools XXXX XXXX XXXX XXXX XXXX Planner Score Simulator Support Help Center Get the free XXXX app : Follow us : About Us Contact Us Terms & Conditions Privacy Policy XXXX XXXX. All rights reserved. XXXX XXXX and the XXXX trademarks used herein are trademarks or registered trademarks of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX or its affiliates. Other product or company names mentioned herein are the property of their respective owners. Licenses and Disclosures. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, MIXXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, MIXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX, SCXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank XXXX XXXX XXXX info Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX Phone number By mail only XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, GAXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX, CAXXXX Phone number By mail only XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Reporters Contact info Address XXXX XXXX XXXX XXXX XXXX, CAXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX UTXXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX Phone number ( XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, New Contact info Address XXXX XXXX XXXX XXXX XXXX, ILXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VAXXXX Phone number By mail only XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address - Phone number - XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX, NCXXXX Phone number XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX Contact info Address XXXX XXXX XXXX XXXX, DEXXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX | ||||||
| 07/05/2021 | Yes |
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Web | Servicemember |
| I reported suspicious activity via telephone on my Chase Amazon card about 12 days ago. I received a new card on/about XX/XX/XXXX. As of XX/XX/XXXX my account balance of was paid in full but showed the payment status as 'pending. ' On XX/XX/XXXX I logged online into my Chase account to verify my balance was now XXXX and the full payment ( {$3300.00} ) no longer showed pending and the balance showed {$0.00}. I then noticed my prior concerns about charges for XXXX XXXX/XXXX that were still showing on my card from XXXX XXXX. I called Chase and told the representative on the phone that I did NOT make these transactions. During the phone call, I also asked/confirmed that the balance payoff made on XX/XX/XXXX was done under agreement with another party. I stated we later had a disagreement and she implied she was going to reverse the payment. The representative deferred me to a specialist to address this. This 'specialist ' stated that the account balance was XXXX and the payment had cleared, so it was not possible for the payment to be reversed. She further stated that even if the other person attempted to reverse it, Chase would have to contact me by telephone and I'd have to authorize the reversal in order for this to occur. I also made inquiries about how to get a cash advance, what the limit was and my options, since I didn't know what my pin was now that I had a new card. The Chase representative emphasized the charges for cash advances were compounded daily and that there was a 3 % fee or {$10.00} - whichever was greater. I acknowledged this. Later that afternoon I tried to use the card for a cash advance at a Visa authorized bank only to be declined. The bank teller than tried {$290.00} which failed and again an amount of {$280.00} which also failed/was declined. I called Customer Service again from outside the bank and this time was told that the 3 % / {$10.00} fee had to be part of the total withdrawal. This still didn't explain why the {$290.00} and the {$280.00} attempts were declined. I made a secure message complaint about it on the Chase website. On XX/XX/XXXX I sent a secure message via my account online reiterating my concern about the unauthorized/unknown charges from XX/XX/XXXX & XX/XX/XXXX ( 6 in total. ) On XX/XX/XXXX I logged online again to check the status/secure messages only to discover my account balance now showed {$3300.00}! I called Chase Fraud dept. and the Cust. Service dept. numbers and could not get through. I was on hold for 1 hr. and 24 minutes then was disconnected! I called back only to get a recorded message stating that wait times are longer than expected. I was on hold another 25 minutes before having to hang up. I tried again late that night only to get a recording stating they were closed. ( for a multi-trillion dollar bank I find this unacceptable. Why isn't there a 24X7 customer support for Fraud? ) I left a secure message online regarding the payment reversal. I also included an attached document with screen shots showing the discrepancy. I received an automated message response stating ; I am pleased to review your inquiry. I've forwarded your message to the appropriate department for review. '' and that I " should receive a response within two business days. '' XX/XX/XXXX I tried to call Chase customer service/Fraud only to get recordings stating there were 'unusually long wait times ' of more than 50 minutes and to go online to report any concerns. I went online to my Chase account reiterating my concern about the payment reversal ( which show up under 'Account details ' as a PURCHASE of {$3400.00}. There was NOTHING showing on the account summary of what that purchase was! ) On XX/XX/XXXX at XXXX XXXX. CDT I received an online secure message via my Chase account stating ; " We are unable to assist you with your inquiry by email. Please contact Customer Service at XXXX, Monday to Sunday XXXX XXXX - XXXX XXXX EST. '' On XX/XX/XXXX ( today ) at XXXX XXXX CDT I received a phone call from Chase Fraud dept. ( The gentleman on the phone was working from home - his dog was barking in the background, for which he apologized. ) He reviewed the account and said the payment was reversed on the same day it was made ( XX/XX/XXXX. ) I stated this isn't possible because I called and confirmed the payment cleared the following day. Additionally, I stated after logging on to my account online on XX/XX/XXXX my balance still showed {$0.00}. I said I want an explanation. He said he was in Fraud Dept. and I had to talk to Customer Service. He did a live transfer to a woman and I asked her name but she didn't respond. She told the Fraud Rep that he still had a lock on my account so she couldn't see it. He said 'my bad ' than said now you should be able to. She said " no, I still can not access the account. '' He told her he logged out and she should 'refresh her screen ' and it should work. He said I'm dropping off now and she will assist you from here. I was disconnected! I called back and was on hold for 25 minutes and had to hang up. At XXXX I called the XXXX number again and was on hold for 1 hour and 7 minutes before a live representative took my call. I again explained everything regarding the payment and how the balance showed up as {$0.00} even 2 days later when I logged on. The woman said she was in the Fraud Dept. and I needed to speak to a customer service rep. I was then transferred to XXXX ... XXXX again asked all the same questions to verify me than I had explain the reason for my call again for the umpteenth time. XXXX insisted the payment made for the balance owed on XX/XX/XXXX was reversed on XX/XX/XXXX due to a request from the account ending in XXXX. I said I don't know what that account is. What bank is it from? She said, I'm not authorized to give you that information. I stated well I confirmed four days ago that this payment had cleared and was no longer in a 'pending status ' and I confirmed it by signing in online on XX/XX/XXXX. Later that day is when it the account then showed a balance due of {$3400.00}. XXXX insisted that it was because the payment was reversed that same day. At this point I lost my cool and told them that this was fraud and I'm reporting it as fraud under the Consumer Finance and the Fair Credit Reporting Act because it's already impacting my credit. I reiterated that I've tried multiple times via phone and online to rectify this over the past few business days. XXXX then said, I'm going to forward your call on to my supervisor so she can assist you. In less than 20 seconds I had another woman on the line asking me to verify my identity again. The phone connection started crackling and she said she had a hard time understanding me. I said well you have my number please call me back. She said I can not do that and I needed to call back into the customer support line and hung up on me! | ||||||
| 06/23/2022 | Yes |
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| I purchased my home/condo in XXXX of XXXX. In XX/XX/XXXX, I received a delinquent tax payment notice from the XXXX of XXXX. I called the Chase Mortgage department and found the most helpful person of all my experiences who actually fixed something for me. After that no one was any help at all. XXXX, asked questions and determined that my condo used to be classified as a rental apt before my purchase as a condo. So, the coding for payment changed. She contacted the XXXX of XXXX and resolved and paid the tax and also she told me that Chase would of course be responsible for any late charges. She called me on the phone to let me know it was resolved. It was the ONLY time that any Chase agent ever followed up with a return call to me. In the summer of XXXX I received a check from Chase mortgage that I had extra money in my escrow and was getting a refund check. I received that check in XXXX for {$1300.00}. I knew something was wrong. Ive owned another property for over 20 years and knew there was never one that large. I also looked at the amount that was for the school tax due in XXXX {$1300.00}. Weird coincidence the amount they gave me back was almost exactly what was due in XXXX. I started getting notices about the unpaid school tax that was due in XX/XX/XXXX the beginning of XXXX, is my best recollection. It is possible I may have missed one in my documentation earlier. I contacted Chase Mortgage on XX/XX/XXXX and spoke to XXXX ( unknown last name ). I told him my school tax was delinquent and I knew what the problem was. He was very disinterested. He did tell me that it got paid but I told him the payment, even though showing in their records did NOT GO THROUGH. I tried to explain to him that I knew what the issue was since it happened earlier this year and XXXX found the cause. The coding changed. I am not even sure that he even wrote that in any notes. I had the answer! I was told something about getting back in touch with me in 18 days ( cant remember business or calendar ). I told him I was refunded almost the same amount that was due. XXXX asked me to upload documents to Chases website related to delinquent taxes. Which I did. I was worried that Im in trouble for not paying taxes and called again on XX/XX/XXXX and spoke to XXXX who gave me a reference number of XXXX. Again I tried to explain. I called again on XX/XX/XXXX and spoke with XXXX. Again telling the same story that the tax wasnt paid and that they refunded me a check almost for that amount from my escrow. I can not remember if it was XXXX or that I spoke with XXXX again who told me that they did speak with the XXXX XXXX XXXX XXXX who said the tax payment made end of XXXX went through. That wasnt the issue I said! It was for the XXXX payment. But I only got responses of its all set. It wasnt. A few times calling I specifically asked a few people, women, so not XXXX or XXXX and said that I had this extra money from that refund. Should I put it back in my escrow so they can get it paid? One told me that I could if I wanted. I was always allowed to put extra money in but another told me to wait until this was settled. Not to do anything yet. So I didnt. At the end of the year of XXXX I got my tax statement, form 1098. It showed that the yearly taxes paid were only {$3200.00}. I knew they were supposed to be {$4600.00}. Again, this mostly proves that they didnt pay that tax and just sent me a refund check for extra money in my escrow. Now, the penalties are wracking up but I knew the issue. No one was listening. I felt it was on Chase to pay those penalties, not me. Id done everything I could to get this straightened out with mostly no help. NO ONE ever called me back each time. Somewhere between this time and XXXX I FINALLY received the first response since the School tax issue started. A letter dated XX/XX/XXXX. Chase told me that they were going to directly deposit {$200.00} into my escrow since they saw that I had paid that missing tax payment and paid penalties. I had not paid it. At some point that must have been the penalty due, which increased after this. I monitored my escrow to see if XXXX ever reimbursed me that amount. I never saw a thing. I called and spoke to XXXX on XX/XX/XXXX. I told her this wasnt settled! Should I just pay it now and let Chase figure out the penalty? No, just wait. She reopened the case on and gave me reference number XXXX. She said someone would respond to me in XXXX days again. I corresponded multiple times around then with XXXX and XXXX from the XXXX of XXXX for late payments. They said theyd had no contact from Chase and the amount was still delinquent with further penalties. I spoke with XXXX and told them I was sending in the {$1300.00} and could I please have a payment plan ( they had offered XXXX ) to pay the penalty? XXXX told me to go ahead and mail in the {$1300.00}. That was paid XX/XX/XXXX. On XX/XX/XXXX I called Chase Mortgage and spoke with XXXX. She was the XXXX person who actually looked at everything and saw that a payment had gotten missed. XXXX guessing paid but rejected due to the new coding. But I was so relieved and told her that maybe XXXX just pay the {$1300.00} Chase refunded me and could she request that Chase pay the penalties. Which changed multiple times but at this point I think was {$380.00}. She told me she would put in a request for a reimbursement be paid to me. No word again. XX/XX/XXXX, XXXX XXXX taxes writes me and says that if I dont pay the delinquent charges that I will not get my STAR rebate. I though the tax department was going to do a payment plan but they wanted it all right away if I wanted my rebate. So now XXXX told me the grand total for delinquent charges was {$390.00}. I just paid the whole amount on XX/XX/XXXX. I called Chase again on XX/XX/XXXX and spoke with XXXX or XXXX ( again I never was told a last name ). She looked at my records and told me that my request was denied since the coding on the payment changed and it was not their fault. XXXX horrified as I TOLD THEM MULITIPLE TIMES WHAT THE ISSUE WAS! If they didnt keep putting me off I would have just paid it long ago and never been hit with penalties. They just kept making me think they were going to take care of things. XXXX insulted that no one listened. That this should have been cleared up long ago. That the penalty I paid of {$390.00} should very well be paid by Chase. Their excuse/reason is WRONG as I told them over and over. Ive gone through much anger and sleepless nights over this while I mostly fell on deaf ears. Way back in early XXXX when XXXX figured it out, she assured me that Chase would pay any penalty. Now XXXX told that its not their fault? Their fault for not listening to customers telling them whats wrong. I have attached some documentation. I have much more. | ||||||
| 03/17/2019 | Yes |
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| I do not have an account with Chase Bank but was instructed to visit a bank to endorse a Chase Bank check given to my husband XXXX XXXX XXXX by his attorneys. It was a rather large settlement that he received. On XX/XX/XXXX, we visited the branch on XXXX XXXX XXXX XXXX, New York, NY XXXX. I will not disclose the amount of money as this is a large amount to disclose. The teller was very private and polite and directed us to speak to a personal banker. We agreed and we were seated waiting to be serviced. The check was positioned on my husband 's left leg. It was placed face down to conceal the contents and the amount of the check. A personal banker came to ask how we could help. I explained that we would not like to discuss these matters publicly and will wait until someone can serve us in private. He disregarded and ignored our concerns and desires as potential customers. He also failed to provide and apply the XXXX Laws. I am a mobility impaired individual and have hidden XXXX. I ambulate with a walker. I will discuss later why I am mentioning this detail. The personal banker who serviced us insisted that we discuss our personal business before other persons waiting to be serviced. Without any instruction of ours or consent, he removed the check from my husband 's leg. This personal banker does not have the authority or right to confiscate any of our private property especially if it was on our bodies. This can be considered an assault or theft. To make the matter worse, he disclosed the amount of money the check was for and laughed about it. He said, " Yes, that is a large amount of money, but we can not serve you today. You must return tomorrow. '' There was no explanation as to why he could not accommodate us or serve us when there were almost XXXX people who entered after we did. We were forced to cash the check at local cashier near the bank for a fee charge of XXXX. This could have been avoided. The bank was refusing to endorse their check and accept us, customers. The check was generated by Chase Bank and they could have easily verified this information. I contacted Chase Bank several times to report the matter ( 4 times total ). The second time I called the woman was just as rude and refused to take my complaint because I did not have the name of the personal banker. The personal banker only introduced himself as " I am a personal banker, how XXXX I help you? '' He did not have a name tag present or visible. Upon waiting for the results of the XXXX complaints submitted and accepted, I receive a letter from Chase Bank with what seemed to be an apology and denial of my request for the bank to reimburse XXXX. I called the bank immediately after receiving the letter and explained the situation to corporate. The complaint was taken and Chase Bank promised to contact me again. There has been no interaction. It seems that the complaint fell through the cracks. This is the complaint I submitted under complaint number XXXX at XXXX. I wrote, " On XX/XX/XXXX, my husband, XXXX XXXX, and I visited a Chase Bank on XXXX XXXX. The address is XXXX XXXX XXXX XXXX, NY, NY XXXX. The personal banker who approached us did not identify [ himself ] but did ask how can he help us. I explained that we are waiting to speak to a personal banker regarding a rather sensitive topic that we did not wish to discuss openly and in public. The reason was that the check we were endorsing was for a very large amount. The unidentified man continued to pressure us to discuss the topic. My husband had the check face down on his left leg. The personal banker switched over from his first position and moved over closer to my husband. He retrieved the check from the body of my husband without our consent and inspected the document without our consent. After seeing [ a large ] amount of money awarded, he publicly stated that it was a very large amount from a settlement. He said this loudly and there were clients waiting in the same area we were waiting. After he continued to debate and disregarded our wishes, he told us that we would not be able to open an account on that day and that we could come back the next day. This man has no consideration or is sensitive to the needs or requests of the customer. He argued with us and advised that we deposit the check elsewhere or at another bank. The check was a [ JP ] Morgan Chase Bank check. He publicly [ embarrassed ] us and put out lives at high risk of danger. My husband and I spent XXXX to endorse this check, then we had to walk at least 7 to 8 blocks home with this large amount of money. He refused to [ serve ] us and without considering my mobility impairment stated that we could come back on another day. This is outrageous and we should not have been exposed in this manner, our business should not have been openly publicized, and this man has [ no ] right to put our lives in danger. He does not know who is who and what their intention is toward his customers or potential customers endorsing large amounts of funds. This personal banker was making an impression and his arrogance exposed us to danger and [ unnecessary ] costs. We could have easily deposited the check, but he refused. We had been sitting in the bank for about XXXX to XXXX minutes and [ we were ] next in line to be serviced. We feel that [ the bank ] should be held responsible for [ these costs ] that could have been easily avoided. It cost us XXXX to endorse the check at a cashier and that is a great loss. This personal banker should be removed or retrained on how to properly treat customers and how to best meet their needs. The check was over XXXX. Again, it was not his clients business and he should not have openly and publicly announced that the check was a settlement and large. If a customer is stating that they will wait until they are in a private area, then this should be respected and upheld. After all, the personal banker is not [ the issuer ] of the check. My husband 's attorney 's issued this check and they bank with Chase. Have you heard of XXXX XXXX XXXX, XXXX? The personal banker did not have any right to remove the check from my husband 's body and did not have consent to do so. This was utterly [ disrespectful ] and unprofessional. '' We feel that bank discriminated because of my XXXX condition and was under the impression that the walker was a ploy. I have been XXXX since XXXX and was also hit by a car on XX/XX/XXXX. Funds in my family are like gold especially when I can not work anymore and there is only XXXX person working in my household. Any expenses convert into financial hardship. If Chase Bank does not reimburse us XXXX we will file a suit against them concerning all the issues primarily the decision of the worker to violate my rights as a XXXX person. We will file suit for the personal banker confiscating private property without our permission or consent. | ||||||
| 08/09/2019 | Yes |
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| I had a Chase Amazon credit card. It was shutdown by Chase for " reward misuse '' on XX/XX/XXXX. I previously filed a Consumer Financial Protection Bureau Complaint. JP Morgan Chase Bank defended its decision to close my account. Chase also sent me an entire packet of information outlining the " Terms and Conditions '' of the contract I agreed to when I signed up for a Chase Credit Card. The letter sent to me states " Our decision to close the accounts is in accordance with the terms and conditions of the enclosed. '' The Consumer Financial Protection Bureau Complaint ID is : XXXX. I have this packet saved, but I am unable to attach it to this complaint. This packet I received not define " reward misuse. '' Nor did it have the Amazon Rewards Program Agreement that I agreed to when I applied for this credit card sometime in approximately the Spring of the XXXX. The Consumer Financial Protection Bureau was carbon copied with this packet of information. This letter is dated XX/XX/XXXX. I called Chase on XX/XX/XXXX. I spoke with XXXX at the Chase Executive Office. Chase gave me XXXX 's number to call and speak to if I had any questions or any other issues with Chase. XXXX said Chase could not tell me how I misused my rewards points on my Amazon account, but ultimately that I agreed to Chase 's terms and conditions. And that as a Chase customer Chase could terminate my card at anytime. XXXX did explain that reward misuse could mean selling the Chase points or dollars that are earned when you spend your Amazon Chase Credit Card. XXXX also said that all of this was explained by Chase.com on its website. I looked up the website on the phone and the contract on its website was XX/XX/XXXX. This was a month prior to the time Chase terminated its relationship with me, and probably a two years before I started using my credit card. This contract was not the same one I agreed to and Chase couldn't bother sending me the correct contract and Rewards agreement after I had filed a CFPB complaint. I may have agreed to update terms, however Chase did not show when and how I did that. I highly recommend requesting the audio recording of this phone call. Chase recorded it. This was an incoming phone call from XXXX ( XXXX XXXX XXXX and took place at XXXX central standard time and it lasted for fourteen minutes. I do not want to give out XXXX 's direct line, but can do so if you need it to file any records requests from Chase Bank. XXXX was wonderful, but the conversation laid out several of the problems with closing my credit card account. I did use my Amazon Chase Credit Card frequently. However, it was primarily used to buy Amazon products. Chase is more than capable of putting spending limits on its credit cards. It also could have given me notice that it was terminating my account or limiting the points I could receive as it believed I was misusing its rewards. The current Rewards Program Agreement says the following : Well give you 30 days notice of the following types of changes to the program or this agreement : if we add or increase fees applicable to the program if we decrease the rates at which points can be earned in this program if we limit the number of points you can earn if we cancel the program Chase did not do anyone of these, but terminated my account. As I explained to XXXX, if this portion of the contract was in my original contract, Chase violated their own conditions. If failed to give me 30 days notice. But as XXXX pointed out, I had agreed to Chase 's terms. And they could terminate my account for any purpose. This however is not how they supported their decision to terminate my account after I had filed a CFPB complaint. Additionally, by citing Rewards Misuse, I should have been directed to exactly how I misused the rewards. Not a possible contract that shows Chase in violation of its own terms, and told that ultimately Chase can do what it wants to its own consumers. I had no recourse through Chase. As I explained to XXXX over the phone, this hurt my credit score. It closed an account that was approximately 2 years old at the time, and forced me to open a new account at a rival credit card company. Or I could have chose to not have another credit card. Both of these things hurt my credit score, or reduce my ability to purchase goods as a consumer. A lower credit score can increase my interest rates on loans as a consumer and make it harder in the future to be eligible for premier credit cards, or even receive loans in the first place. Additionally, XXXX urged me that it might be possible to apply and receive another Chase credit card. She could not tell me if I would be approved by Chase. But more importantly, she could not tell me how I stood with their banking affiliate. I do not know Chase 's banking affiliate and have not been told its name. I have no way of remedying the situation with this entity without knowing its identity. And its decisions have directly impacted my credit score. I have applied and received an additional Chase credit card. I received the United Airlines Chase credit card around XXXX of XXXX. I used my Chase United Airlines credit card until it was canceled on XX/XX/XXXX. In Chase 's letter to me, I was notified that my account was canceled because " our affiliate is ending their banking relationship with you. '' I did not sign an agreement with Chase 's affiliates, nor should I again be forced to choose between either not having an airline credit card, or opening a second airline credit card in a few months. This is again damaging to me as a consumer. Lastly, the biggest harm in being in limbo as to whether or not I can reapply, receive and use for an extended period of time Chase credit cards is that I don't get to use credit cards which have partnerships with companies I use on a frequent basis. I would like to earn Marriott points through Chase, I would like to earn Southwest and United points through chase. The Chase Sapphire Reserve has partnerships with companies all over and I travel frequently. This would be a nice credit card to have, but I do not want to apply for it knowing the account may close on me. I could be accepted like I was when I applied for and received the Chase United Card. This is especially worrisome given it costs {$450.00} a year. Now, I am not entitled to be approved by Chase. However, I do need more resolution on this issue so I don't have to be worried about my credit score. I need to know if I can apply for another Chase card in future, or if I have to settle for a competitor. A competitor that does not have the same business partnerships as Chase. Without this resolution I am forced between attempting to receive the better credit card, but this ultimately could hurt my credit score if Chase determines to cancel my credit card account again. | ||||||
| 03/21/2019 | Yes |
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Web | Older American |
| XX/XX/XXXX Dear Government Official, CFPB On XX/XX/XXXX I received a call from Chase Credit Card Visa that there were transactions on my card that appeared to be questionable. Someone had gone to XXXX XXXX XXXX in XXXX, XXXX Illinois XXXX XXXX and a Gas station in XXXX Illinois and had made purchases that totaled {$1300.00}. They also sent me an email that day that 4 transactions to XXXX XXXX XXXX were declined. I had no such knowledge of them, and was told by Chase that I should destroy my card and a new one was sent to me 3 days later. I was also told that I was not liable for anything that had happened. I had assumed that the matter was resolved. After a few weeks I received a letter from them that someone had actually used a credit card for these transactions and that I was now responsible for these charges. This was an impossibility because I had the only card and it was never out of my possesion. A few weeks went by and I received a call from Chase that about a week before these transactions a new card had been mailed to me but I never received this card. I called the XXXX store in XXXX and the store manager told me that they may have a video of the actual purchaser of an XXXX but I would have to go to the XXXX Illinois Police station ( where I live ) and file a report. A case was filed and after considerable time had passed XXXX police called me that the XXXX store had told them that they had video records going back to XXXX but not to XXXX.. And they said that nothing could be done. I called Chase 3 times during this period. I was told that it was still under investigation. They sent me the actual receipt from the XXXX store and it clearly shows that it is not my signature. A few weeks ago I received a letter stating that their original decision would stand that I was responsible for what happened. They are also stating that this would be reported to 4 Credit bureaus. I have never had a single problem in my life of this nature. I have had dozens of credit card accounts for almost 50 years and this card for since XXXX. I have never had a problem with any of them in all those years. My credit rating is XXXX. I didn't even know what XXXX XXXX XXXX is and have never owned an XXXX phone. I was never in possession of this card. I never requested a replacement card and never received a notification that a card was coming. My card was not due to expire. To what address was this replacement card mailed? Why did they decline 4 XXXX XXXX XXXX transactions and not the rest of them made all on the same day? Later they only list 2 XXXX XXXX XXXX transactions. Why didn't the XXXX store ask for an ID when accepting the card? All XXXX phones have Serial numbers and can be traced, why isn't this done to locate where the phone is? Why would I make a purchase with this new card when it would be charged to me anyway and not use my old card? Why did they think these transactions were suspicious when they notified me but now they are not? On a XX/XX/XXXX mailing from Chase to me they list the 5 transacations and report that for 2 of them I am not responsible for which doesn't make sense if all of them were done the same day with the same card ( and they are the smaller charges ). Chase by making this determination against me is allowing and encouraging criminals to get away by manipulating their incompetent and shoddy procedures. I will not let this stand and will pursue all methods and legal avenues available to me. I am willing to take a lie detector test ( at Chase 's expense ) to prove that I have no knowledge of what happened. I want Chase to show proof that all of these these transactions are mine by video and documents. If they cant prove it then they should dismiss them. I also feel that Chase did not pursue this matter sufficiently. On XXXX XXXX, XXXX I talked at length with one of their agents who requested a copy of my signature and ID ( 5 months later )? This was also done. A further example of how puzzling their operation is, I received a pre approved application about a week ago, to open an additional Chase Visa Credit Card. Why are they offering me another card while they are disputing my current one and reporting me to credit agencies? It is also strange that Chase is letting the 2 smaller charges ( {$27.00} ) to be dismissed but not the 3 large ones at XXXX ( {$1200.00} ). I am also disappointed in the XXXX Police Department - Fraud Division for not aggressively investigating this case until I made 3 attempts to check the progress or informing me of what they had investigated. I gave them documents and all the information I had but I sensed that it was not a matter of importance and no prompt action was taken. I have charged many thousands of dollars every year to this card, Chase has profited from my association with them, I have been a loyal customer and have been treated very shoddily and unfairly. I am being punished by ruining my credit while rewarding the criminal with {$1300.00} of products and services.. On XX/XX/XXXX, I received a call again from them stating that they would not reverse their decision. Paying for these fraudulent charges implies that I am responsible for them. I will not pay these charges that are placed on my account and request that Chase remove these charges and retract the negative information sent to 4 credit reporting agencies. I want Chase to show me proof that I used this card. Can you please help me in resolving this issue? I have tried everything that I can and dont know where to turn to next. I have visited and met 3 times with Chase and bank officials in XXXX and XXXX XXXX Illinois to explain this situation but they always referred me to a phone number in the Fraud division where I would have to describe frustratingly all the details from the beginning every time. I am a retired XXXX year old senior citizen, and a widower on a fixed income and Chase has treated me very poorly, given me the run around, and ignored the facts with out consideration. This is an example of a large company with a lot of power and greed taking advantage of the people that have made it rich. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX Home Additional Information : I have records and mailings and all communication with Chase to support all the above information.. Type of Card : Chase Visa United Milesge Plus Select XXXX Police Dept. Case # XXXX - Chase Fraud Recovery Team, c/o XXXX XXXX ext XXXX XXXX is the Fraud specialist. At Chase Fraud Department I called Chase on XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and 3 from Chase ( 2 on XX/XX/XXXX to report illegal activity, and a later one as an update that a card had been mailed to me which I never received ) and on XX/XX/XXXX, XXXX. All calls were recorded by Chase. XXXX is the Fraud specialist. At Chase Fraud Department | ||||||
| 12/29/2017 | Yes |
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| On XX/XX/XXXX, someone who was pretending to be my husband went to a Chase branch in Indiana and filled out a withdrawal slip for {$4200.00} and received that amount of money out of our checking account. On the same day at the same IN location, a cashier 's check made out to someone we 've never met in the amount of {$2500.00} was taken out of our same Chase checking account. In the first withdrawal slip, my husband 's first name was misspelled. In the withdrawal slip for the cashier 's check, the account number was incorrect ( one of the numbers was wrong ). We live and work in Illinois and have never done any banking or have never lived in Indiana. These 2 transactions depleted our account by almost 1/3 of the amount. On XX/XX/XXXX, at a different Indiana Chase branch, a cash withdrawal for {$860.00} was filled out and received from our aforementioned checking account. The same day, at the same location, a {$2600.00} cashier 's check was written to someone we have never met from the same account and again my husband 's first name was spelled incorrectly. On each of the withdrawal slips, the last 4 digits of our account are written in much smaller print than the other digits of our account, which should have been a red flag to the teller that this could be identity theft. This is in addition to the 2 incorrect spellings of my husband 's first name and the incorrect account number on one slip. We discovered the XX/XX/XXXX and XX/XX/XXXX withdrawals on XX/XX/XXXX and alerted Chase fraud. A freeze was put on our account and we reopened a new checking account the following day. We discovered the errors on the night of XX/XX/XXXX when we were reviewing our accounts and on XX/XX/XXXX we filed a police report. My husband is a XXXX and was on shift on XX/XX/XXXX so he was unable to file a police report on XX/XX/XXXX as he works 24 hour shifts. When I went to the Chase branch on XX/XX/XXXX to open a new account and explain everything that had happened, the personal banker I was dealing with was more interested in trying to get me to become a Chase Private Client because she found out that our savings account is n't with Chase and that we use a financial advisor ( outside of Chase ). A branch manager was not notified of our issues or if he or she was, that person never came to me to find out more information about our situation. On XX/XX/XXXX when my husband was off his shift and after he had filled out a police report, he also went to the same Chase branch and dealt with the same woman who again was more interested in convincing him to become a Chase Private Client than in helping us. After all of this, we received a letter from Chase that was dated XX/XX/XXXX stating that Chase had researched the transaction ( s ) we reported and denied our claim, stating that the time frame to request reimbursement passed. A single letter telling us that {$10000.00} of our hard earned money will not be returned to us. Chase could n't even bother to call us and explain their decision. Thanks to the negligent tellers in 2 different Chase branches, my husband was the victim of identity theft. My husband has been a client of Chase since it was XXXX XXXX. We have our checking account through Chase. We have a savings account for each of our children with Chase. We have a Chase credit card and never carry a balance. Our mortgage is with Chase. Each year, the interest on our mortgage that Chase earns is more than XXXX the entire amount that was taken from us and we have never been late on a mortgage payment. After my husband received the letter, he called Chase claims to protest the claim denial and was assigned someone to his case. After the case was reopened and again reviewed, we got a letter from Chase Customer Claims Department dated XX/XX/XXXX stating that after they researched the transaction, they deemed the XX/XX/XXXX transactions were unauthorized and credited our account {$6700.00}. When we called to inquire as to why our full amount was n't credited, we were informed that the Fraud department of Chase felt that because of our negligence to report the XX/XX/XXXX transactions, the XX/XX/XXXX occurred. There is no way that Chase can prove that my husband would n't have been the victim of identify theft if we would have discovered the XX/XX/XXXX transactions sooner. The XX/XX/XXXX transactions occurred at a different Indiana Chase branch and the cashier 's check was made out to a different individual. Shortly after we received the XX/XX/XXXX letter we received a letter informing us that we had " insufficient funds '' in our account to cover a check that we had written on XX/XX/XXXX. This check happened to be cashed after our identify theft issue was discovered and our account had been changed. When I went to Chase to get a letter stating that my husband was the victim of identity theft in order to show that we did in fact have " sufficient funds '', I explained our story to a different Chase private banker. Again, no manager was informed or came to speak with us. At the end of our conversation, I stated that we were considering litigation given the circumstances. After I had gotten home that afternoon I received a called from the Chase branch stating that the manager had been informed and the complaint was being escalated to Chase Branch Escalation Services. I am sure that if I had not mentioned litigation, this wouId n't have been taken to Branch Escalation Services. I have since been assigned a case reviewer from the Branch Escalation Services Department. I have had multiple conversations with her and was last told, a few weeks ago, that the case is again being reviewed but we may not hear a final decision for up to 90 days. We are a middle class family. If we lived paycheck to paycheck, we would be in serious trouble without this money. Each person I have talked to at the Chase branch has told me you have 60 days to report a dispute on your statement. The statement for our XX/XX/XXXX transactions came out on XX/XX/XXXX. We reported both the XX/XX/XXXX and the XX/XX/XXXX issues on XX/XX/XXXX. Both of these are within the 60 day reporting window from the original statement date. Identity theft alone is a nightmare. It creates hours of phone calls and paperwork. As a consumer, you want your money to be kept safe at a bank. You also want to feel that the bank is looking out for the consumer. As Chase clients, my husband and I feel that our money was not kept safe and that Chase does n't care about the consumer. Instead, Chase is interested in managing more of the consumer 's money while still not caring about the consumer himself. Of note, I have not attached any copies of the withdrawal slips or our checking account statements as this website said not to submit personal information. We have this documentation and can submit, if requested, for review. | ||||||
| 11/22/2020 | Yes |
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| Summary : An email intrusion of a tour company named XXXX XXXX XXXX in XXXX with which I was doing business caused me to send a wire transfer in the amount of {$3800.00} from my Chase Bank account to a Chase Bank account belonging to someone named XXXX XXXX XXXX XXXX in XXXX XXXX, CA. After the wire transfer was sent, on XX/XX/2020, XXXX XXXX XXXX informed us immediately that their email had been hacked and that they did not send the request for funds to be transferred. The message we received was fraudulent and a scam. The company told us to cancel the transaction immediately. We learned from the company that the owner of the recipient account, XXXX XXXX, is not an authorized company representative and is not authorized to receive payments for the company 's services. The same day that the wire was sent, I submitted a wire recall request and reported the fraudulent circumstances to XXXX XXXX at a Chase Bank branch. He filed a fraud case with Chase and attempted to initiate a wire recall. On XX/XX/2020, I learned from XXXX that Chase had asked XXXX whether the transaction was legitimate. She said it was. In response I sent XXXX to send on to departments at Chase evidence of the fraudulent nature of the transaction. It took over six weeks and repeated communications by XXXX to Chases wire and claim departments before we could get a response. On XX/XX/2020, I learned from XXXX that the wire recall failed because the money had already been moved out of the recipient account. We would like to recover the wired amount because this transaction was made under false pretenses and fraudulent and illegitimate circumstances. Details and Timeline of the Case : XX/XX/2020 : After we wired a 25 % deposit on an upcoming trip to XXXX with four traveling companions on XX/XX/2020 to XXXX XXXX XXXX legitimate business bank account in XXXX, my traveling companions and I received a message from the same email address ( XXXX ) we had been using to correspond with the company. This message requested an additional deposit of 50 % or the total balance for the trip be sent to a U.S. account because of currency fluctuations due to the COVID-19 pandemic. This contradicts our previous communications with the legitimate company, who requires payment of the balance on arrival in cash after receiving the 25 % deposit. After some correspondence back and forth, we agreed to send the wire transfer on the account that we assumed this was the same contact using the same email address with whom we had been in touch before. The impersonator on the email sent bank details for a Chase Bank account held by an individual with the name of XXXX XXXX XXXX XXXX in XXXX XXXX, CA, claiming that she was XXXX XXXX XXXX XXXX representative in the United States. I asked for contact information for XXXX. The impersonator gave an email address, XXXX. I corresponded with this email address to confirm payment and bank details. The operator of that email address confirmed the details. Those bank details were : Account Holder : XXXX XXXX Account Number : XXXX Routing Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I initiated a wire transfer in the amount of {$3800.00} from my Chase Bank online account. The wire was scheduled to go out on Monday, XX/XX/XXXX because it was initiated after hours on this Friday. XX/XX/2020 : We receive a message from the same email address and person who was impersonating XXXX XXXX XXXX representative that the recipient bank details for the wire transfer have changed. According to the message we received, XXXX received a call from Chase Bank that the wire I sent will be returned back to me because XXXX had reached a monthly limit of accepting wire transfers. The email gave these details for another Chase Bank account : Account Holder : XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX CA XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, CA Bank Name : Chase Bank Account Type : Checking Account number : XXXX Routing number : XXXX I canceled the existing scheduled wire transfer and scheduled a new one to be sent to the second bank account. Because this was on a Saturday, the wire would not be sent until Monday. XX/XX/2020 : Chase Bank sends the wire transfer in the morning to the offending account. I emailed both XXXX XXXX XXXX and XXXX to inform them that the wire was sent. Immediately after I sent the message, one of my traveling companions contacted me to say that I should cancel the wire transfer immediately on the advice of the tour company. The tour company informed us via XXXX that their email system had been hacked and that they did not tell us to wire the rest of our trip cost. I immediately requested a recall request with Chase Bank online. I also went to a Chase bank branch and spoke with XXXX XXXX, the branch manager, so that I could file a case with their fraud department and initiate a wire recall request. XXXX took these actions after speaking with the fraud and wire departments at XXXX. XX/XX/2020 : I file a complaint about the case with the FBIs XXXX XXXX XXXX XXXX with details about the email hack and the fraudulent requests to wire money. XX/XX/2020 : XXXX informs me that Chase had asked XXXX about the legitimacy of the transaction. She says that it was legitimate, which is false. To further bolster our case, I send XXXX supporting documentation outlining how the fraud occurred, including : - A summary and timeline of what happened - A signed and stamped letter from XXXX XXXX XXXX testifying that the wire transfer was not requested by them and that their email had been hacked - Passport of the company 's founder, XXXX XXXX XXXX, to prove his identification - Emails with the hacked address along with an email address that claims to belong to XXXX XXXX - Screenshots of XXXX messages with a legitimate representative of the company, which is how we first found out that this was a case of fraud - Evidence from the company that someone had illegitimately set up an email forward from the company 's main email address to an unauthorized account to correspond with unsuspecting clients like us. XXXX sent these documents to the relevant departments within Chase Bank. XX/XX/2020 : After repeated calls to XXXX to get updates over the past weeks, and, in turn, repeated calls by XXXX to both the claims, wire, and fraud departments at XXXX, I learned from XXXX that the wire recall failed because the money had already been moved out of the recipient fraudsters account. He also told me that Chases fraud department did not consider the case fraud because I had authorized the transaction and my bank account had not been hacked. This is despite me giving supporting evidence about the fraudulent and false circumstances under which I initiated this wire transfer. | ||||||
| 08/01/2020 | Yes |
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| Email to Executive Office Thu XX/XX/XXXX XXXX I have a 30 year Mortgage with Chase. Theres 12 years left, so Ive been with the Bank for 18 years. Always paid on time & receive the statement by post. Never had an online account. I wanted to see if our Mortgage rate could be reduced from 4.5 % which is high. On line website says 2.64 % is available.After spending 3.5 hours on the phone with various departments, being transferred, being cut off each time a transfer is made, going backwards & forwards to the same departments I gave up. Didnt achieve anything. Total waste of my time. Im currently in the XXXX XXXX. The email above was read Mon XX/XX/XXXX XXXX. I have a receipt.I tried to call customer services again, The wait is up to 1 hour on an international call. I tried the call back but this is not available to international customers. Someone answered after 10 mins then cut me off. No one phoned me back as promised to discuss the refinancing. The Pandemic is not an excuse for this dreadful customer Service. Tue XX/XX/XXXX XXXX. Hi XXXX, So the Bank is happy for me to continue to pay my loan back at 4.5 % over the next 12 years as a XXXX XXXX but will not consider a rate change on a fixed rate over 10 years, because I am a XXXX XXXX. Note : The loan was transferred from XXXX XXXX during the banking crisis. My XXXX XXXX status was accepted at that point. With this policy I am locked into Chase for another 12 years with no means of exit or revsion with the loan. Is this acceptable practise? I am requesting a means of reducing the rate as advertised on the Chase website approximate rates available under 2 %. As Chase accepted the original XXXX XXXX position legally can the company use this status a a reason to disallow a revsion? The original rate is fluctuating & has constantly changed. I have an excellent credit rating & the Loan to Value ratio is 20 %. The request was to review. I do not believe the answer to use XXXX XXXX status to be legal. The next situation was the closing of the Escrow account as the House Insurance & TAX was to be paid direct on the XX/XX/XXXX XXXX. An email was sent to XXXX, she advised that the Escrow will be closed on the XXXX XXXX. I requested that the balance of $ XXXX was transferred to my NY XXXX account. This was just ignored. Without an further communication a cheque arrived on XXXX XXXX. I said, I did not want a cheque sent to XXXX. With all the problems with transport, banks not opening & means of paying a US cheque into a XXXX bank this is not acceptable. I stated " DO NOT send a cheque. The funds need to be transferred electronically as requested. I provided the details, routing & account number. I find it incredible that Chase could not send funds electronically to XXXX both world class banks. I have asked for compensation for now having to convert the funds to Sterling to bank in the XXXX & then back again to Dollars to deposit in the US with all associated costs. Chase at Agent level has been incredibly difficult to deal with & at CEO dept level it has been complex, no offer of an apology for the way I have been treated. Complete disrespect of my long time with the bank. No consideration of trying to find a way to make the transaction easier for me. This was the last email Fri XX/XX/XXXX XXXX as it seems that the Mortgage payment that will be drawn on XX/XX/XXXX has not been revised to allow for the reduction for the Escrow now being closed Dear Mr XXXX office. So your office is ignoring me too. I just received a voice message from XXXX. The message is attached & related to the cheque that has in fact been sent to the XXXX. Dollars are not the centre of the worlds currency, believe it or not. We have our currency in the XXXX its called POUNDS STERLING. The reason I asked for the cheque to be deposited into the US account was because funny enough the currency is in US Dollars!! I have a cheque that once converted with fees paid & an exchange rate that will rip me off ( as all bank do ), I will lose money. I would then have to change it back to Dollars to pay my House Insurance in, yes youve got it, in Dollars so I will have lost money again. Your officers, agents, colleagues, whatever youd like to call them work for A BANK, so they have access to a million ways to transfer funds. But of course you cant send funds to another US bank, silly me, why would I think that this would be possible. No you have to make everything as difficult as possible & send me an antiquated old fashioned cheque. It has been such a pleasure doing business with your bank. Emails ignored, messages left that do not answer the questions that have been continuously sent on email, strangely nothing put in writing, no response to say that a cheque cant be sent to my bank in the US. Its just sent out. On my US XXXX account I can send money to anyone I like, I can send an echeque I can send a mobile payment, I can send a XXXX payment, a Swift paymentI can send a echeque to any address. Its totally amazing. I will list my question with big numbers next to them so each numbered question can be read, hopefully understood & logically replied to. Im having so much fun dealing with Chase. 1. The attached image XXXX is a picture of the last statement received this week. It shows that the Escrow balance is {$3400.00}. This is equivalent to the cheque received today ( in answer to Shareses question yes we have the cheque ) My question is one of clarification. On the XX/XX/XXXX a payment of {$960.00} will be drawn, this includes as the explanation {$540.00} Mortgage & {$410.00} Escrow. As the cheque has already been sent & the Escrow is closed what will happen to the {$410.00}? Or will the Autopay just take the {$540.00} Mortgage payment. It just seems confusing. 2. XXXX XXXX XXXX I asked for online to be set up now, you never replied, this is a change of mind awaiting our decision on the account moving forward. Please let me know how youll do this. If you are going to ring me please book a time we are 5 hours in front of you. 3. The cheque I now have in the XXXX is going to cost me money to bank in the XXXX as explained above. Chase needs to compensate me for traveling to the bank, my time, the cost of changing to XXXX & then changing back to US Dollar. This compensation is set at {$540.00} one mortgage payment. 4. I asked for a formal reply to why the rate cant be changed to a fix rate the email Sent : XXXX XX/XX/XXXX XXXX requires a FORMAL reply so I can pass on to the SEC. The reply I have had to date is not acceptable as explained in the email below, my foreign national status is identical to my original status when the loan was provided. I hope the situation is clear & look forward to a reply from the Department. The SEC put me in touch with this department following sending the complait to them. | ||||||
| 11/27/2022 | Yes |
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| In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXXXXXX XXXX XXXX XXXX XXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX, XXXX for information pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX XXXXXXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXXXXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form 1099 OID, IRS form 1098, IRS form 1065, IRS form 8281, IRS form 8283, the name and address of the original creditor, as well as SSA 89 showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to steal the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX from his property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project Manager for XXXX XXXX, not XXXX XXXX XXXXXXXX, XXXX. Using multiple Corporations to hide nefarious activity being done by various actors may be common among criminal tax evaders and thieves. XXXX XXXX XXXX, XXXX, ( and/or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JUDICIARY COURTS OF THE STATE OF UTAH, XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and XXXX XXXX XXXX XXXXXXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXX XXXX XXXXXXXX, XXXX, along with an ARMED man, used threats of force to remove XXXX XXXX XXXX and her offspring from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX, XXXX, handed XXXX XXXX XXXX a business card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, permission to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to GAAP? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX without his consent? What is the innocent explanation for not following the law as written by congress in title 15 United States code chapter 41 section 1635 ( b )? | ||||||
| 06/24/2021 | Yes |
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| This is in regards to a charge for an internet purchase I made on XX/XX/2021 from online merchant XXXX XXXX in the amount of {$350.00}. XXXX XXXX is the merchant name for the vendor where the online purchase was made, XXXX. On XX/XX/2021, I contacted Chase Cardmember Services in regards to the above charge due to concerns with the legality of the item purchased. The merchant, XXXX XXXX, had no listed phone number on their website and was not responding to emails. I became concerned with whether I could legally possess the item purchased. During my conversation with the Chase customer service representative ( CSR ), the CSR advised me that she would open a dispute in order to force the merchant to contact me directly. CSR was also able to provide me with a phone number for the merchant. I advised CSR that I did not want to file a dispute and would attempt to reach the merchant via telephone. The CSR stated that she had opened the dispute already without my permission in order to force the vendor to contact me. She advised that she immediately closed it within a few minutes of our conversation. She advised me that the merchant would not be advised of the dispute as it was opened and closed within a few minutes. I got off the phone with CSR and called back to speak to another CSR in order to be sure that the dispute was cancelled and to ensure that the merchant would not be advised of the dispute. During the second call a different CSR advised me the same. On XX/XX/2021, I made telephonic contact with the owner of XXXX XXXX, XXXX. Upon speaking to XXXX, he assured me there was no issues with the legality of the part ordered from his company and that the item would ship no later than XX/XX/2021. I had no issues with XXXX response and awaited shipping of the item. On XX/XX/2021, I contacted XXXX XXXX via email in regards to my order, as the order had not shipped. I was able to check the status of my order via XXXX, where the item was originally purchased. I received an email back from XXXX representative XXXX. XXXX advised me that the item would ship the following week. On XX/XX/2021, my item still did not ship. I again contacted XXXX via email. On XX/XX/2021, XXXX responded via email and stated that they had received a chargeback on the transaction and she was cancelling my order. XXXX stated that per company policy, I would be charged a fifty percent restock fee of approximately {$180.00} for initiating the charge back. On XX/XX/2021, I contacted Chase Cardmember Services regarding the original dispute and the charges. The CSR I spoke to indicated that the charge was in fact refunded to me on XX/XX/2021, however, the same charge was recharged in the amount of {$350.00} on the same day as the dispute was cancelled. CSR advised me that the merchant got their payment and the matter was not considered to be an official dispute as the dispute was cancelled. On XX/XX/2021, I sent a detailed email back to XXXX which included copies of my credit card statements showing that the charge was rebilled and the payment was received. I indicated several times in the email that I did not want to cancel or refund the charge and I wanted the ordered item. Several days passed and XXXX did not respond. On XX/XX/2021, I made telephonic contact with XXXX XXXX owner XXXX regarding the situation. I again advised XXXX that I in no way wanted to cancel the item. XXXX advised me that he would look into the matter and would call me back. On XX/XX/2021, I received an email from XXXX stating that she was looking into the matter and would respond in 24 hours. On XX/XX/2021, I contacted XXXX via email as I had not heard back. XXXX responded and stated that she was unable to find the recharge and she was initiating a cancellation of the order which included the fifty percent restock fee as they did not receive their payment. XXXX XXXX, never shipped me the item and I never received the item. Additionally, I indicated to the merchant on several occasions in writing, that I did not want to cancel the order. The merchants return policy requires that all refunds and cancellations must be submitted in writing. I did not submit a request to cancel or refund the item. The vendor claimed that I did not pay for the item and is attempting to charge me a fifty percent restock fee of {$180.00} for an item they never sent. On XX/XX/2021, I sent a formal letter to Chase Card Member Services requesting a reopening of the dispute as I never received the item. This request included documents with emails from merchant XXXX XXXX. I followed up with the Chase Card Member Service Disputes Department on several occasions to ensure they received the request. On three occasions after the request for reopen was submitted to Chase, a CSR from the disputes team confirmed that it had been received on XX/XX/2021 and was currently being worked on. On each occasion I was advised that a " back office '' handles reopening of disputes and there was no way to contact this back office or request an update and I had to either just wait or continue to call weekly. On XX/XX/2021, I submitted second formal letter to Chase Cardmember Service requesting an update on the reopen as 30 days had passed and they had failed to provide any updates. On XX/XX/2021, I received a letter from Chase Cardmember Services stating that my dispute was being denied because too much time had passed from the original purchase. On XX/XX/2021, I contacted Chase Cardmember Services via telephone. I made contact with a supervisor named XXXX in the disputes department. XXXX confirmed that my first letter to reopen the dispute was received by Chase on XX/XX/2021. She also confirmed that my letter for a request for a follow-up was received on XX/XX/2021. XXXX stated she was not sure but believed that the window to dispute the charge was 60 days and set by Visa. She stated that 60 days had been exceeded by the time the " back office '' had gotten to the request to reopen the case. I feel that I filed the request to dispute the charge within a timely manner. This whole situation is a mess and was brought on by the very first Chase CSR that I spoke to opening and quickly closing a dispute on the charge without my full permission. I filed the request to reopen the dispute well within 60 days. This should have been the first dispute that I filed on the charge as Chase shouldn't have filed the dispute in the first place. Regardless of the first dispute for the charge being filed, I still requested that the dispute be reopened before the 60 day mark of the original charge and Chase failed to address the request in a timely manner. I am now forced to pay {$350.00} for an item I never received, Chase improperly handled a dispute with and Chase failed to properly address in a timely manner. | ||||||
| 11/26/2022 | Yes |
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| In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and XXXX have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXXXXXX XXXX XXXX XXXX XXXXXXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX XXXX for XXXX pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX, XXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the name and address of the original creditor, as well as XXXX XXXX showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to XXXX the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXXXXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within XXXX XXXX after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within XXXX XXXX after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, not XXXX XXXX XXXX, XXXX. Using multiple XXXX to hide nefarious activity being done by various actors may be common among criminal tax evaders and thieves. XXXXXXXX XXXX XXXXXXXX, XXXX, ( and/or XXXX XXXX XXXX XXXX law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number - REDACTED. Private administrators pretending to be XXXX XXXX aided and abetted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXXXXXX XXXX XXXX, XXXX, XXXX with an ARMED man, used threats of force to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXXXXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by XXXX in title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( b )? | ||||||
| 07/03/2023 | Yes |
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| I am the business owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And in XX/XX/2023 I relocated, myself and my business to XXXX. I followed the necessary state laws in place to move my business to another state and completed a Foreign Filing moving my business from XXXX XXXX XXXX Secretary of State to XXXX XXXX Secretary of State, and when the documents were stamped by the Secretary of State and received I proceeded to conduct business as usual. On XX/XX/2023 I opened up a business account with Chase JP Morgan for XXXX XXXX XXXX XXXX. I provided the business banker with all of the requested documents to verify my business upon opening my account. ( EIN paperwork, SOS paperwork, and 2 forms of Identification ). When the account was open I was instructed to make an opening deposit, at that time I informed the business banker that I had a check from the U.S Treasury that I would like to deposit and the business banker told me that would be just fine. On XX/XX/2023 the first restriction came to my account. I immediately went into the branch, provided a business banker with 2 forms of ID and had him contact Chase Back Office. I was told by a Chase representative that there was a restriction on my account because the date that was printed on the check was prior to the date of my business formation with XXXX Secretary of State. At that time proof of my business being established prior to the date on the check was requested. I immediately obliged and submitted the IRS documentation that they requested and the restriction was lifted. On XX/XX/2023 I stepped into a Chase branch, provided 2 forms of ID ( as my debit card had not been received in the mail yet ) and proceeded to make a withdrawal to take care of some business purchases. The withdrawal was successful, but seconds after the withdrawal was complete another restriction was placed on my account. I had a business banker call Chase Back Office while Im still sitting in the branch and Back Office stated that my account had been restricted again because they do not believe that the funds were intended for my business because the address on the check was a XXXX XXXX address and the address on my business documents was now a XXXX address. I informed them that the check was made out to my previous office address in XXXX XXXX and that I had just moved to XXXX which is why the addresses are different. I also informed them that all of this information is reflected on the XXXX Secretary of State website within my Foreign Filing. Chase then told me that I needed to submit something from an attorney stating that this XXXX XXXX XXXX in XXXX is the same XXXX XXXX XXXX in XXXX XXXX. On XX/XX/2023 my attorney submitted IRS documentation showing the same EIN number for XXXX XXXX XXXX using BOTH XXXX XXXX XXXX XXXX addresses as well as a notarized statement that this is my business and the funds were in fact intended for my company. But the restriction was never removed. Every week I was told by Chase Back Office that no further documentation was needed, they told me every week that I have verified all information and the account should be unrestricted at this time. But the restriction was still never removed. On or around XX/XX/2023 after a month of waiting on Chase and going in circles, my attorney suggested that the matter be escalated to Chase JP Morgan Executive Office, being that XXXX XXXX XXXX XXXX XXXX of allocated money was being held by Chase with no reason as to why they wouldnt release it. So the complaint was filed. I was given a case worker by the name of XXXX and a case number XXXX. XXXX wouldnt speak directly with me because I have legal representation but every single week she would speak with my attorney. And in this process with XXXX and the Executive Office I have been asked to resubmit all of the documentation that had already been added to my file 3 months prior to getting the Executive Office involved. And every single week it has been the same set of documents requested, IRS information, SOS information, verification of addresses, followed by the same statement I will submit this to our business review team for approval so your funds can be released. Every single week I was told that a check would be sent overnight to my attorneys office, and every single week there was no payment. From XX/XX/2023 til this day XX/XX/2023 ( 6 months and counting ) I still have not received any updates on my case, I have escalated it up to case Management within the Executive Office and every time I call I am told XXXX is unavailable No case managers are available but Ill leave a note for them to contact you back. I have requested call back after call back and every time Im told A call back request has been submitted please allow 24-48 hours for management to reach back out to you And every 24-48 hours I find out a request for a call back was never submitted. Chase has gone through every verification process with the U.S. Treasury and my business, it's been 7 months since the initial check deposit and the funds have not been disputed one time by the IRS. Funds still show as paid and still remain in my account. This money has been proven to be mine but that still does not suffice. I have provided Chase JP Morgan with every thing theyve requested of me to verify my business short of my blood, an attorney of Law has provided Chase JP Morgan with everything they have requested of him to verify my business, we have been told that no further documentation is needed but yet there is still no update on the release of my funds. I trusted Chase with over XXXX XXXX XXXX dollars and I have been handled so poorly from branch representatives all the way to the Executive office. I have been stereotyped in every branch I have gone into seeking help on this matter and have even been told You look too young to own a business or, I thought women in your religion werent allowed to work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am mortified with Chase JP Morgan! I have lost my home, I have lost my car, I have had to file bankruptcy in hopes to salvage my business, I had to let go of my employees whom went months without a salary because of this matter. So many lives have been effected by this issue and Chase has no sense of urgency to resolve it so that these lives can be restored! Chase has put a complete stop to the business I worked so hard to build from the ground up and they have no reason as to why, just because they want to or feel as if they can. I dont care if I have to file a complaint with the CFPB every single week, I will send each complaint into every news broadcasting station in XXXX and prepare to take legal action against Chase JP Morgan if this matter does not get resolved immediately. | ||||||
| 12/04/2021 | Yes |
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| This is a continuation of a bank fraud report completed on XX/XX/XXXX ID # XXXX. The initial complaint named XXXX XXXX XXXX as part of a widespread Medicaid Billing Scheme that involved large sums of money that were being embezzled. Please find below other identified Banking institutions apart of this scheme. CHASE BANK On XX/XX/XXXX during a scheduled appointment at the XXXX branch to open both a personal and business account, it was discovered that a business account had already been opened in my business name ( XXXX XXXX XXXX XXXX ) without my knowledge or consent. The account after further review by the banker showed as active but had no information regarding who opened the account or any transaction history. An interesting fact is that this is the bank that financed my XXXX XXXX XXXX through XXXX XXXX of XXXX, Georgia. I have never entered into a Chase Bank branch prior to this scheduled visit. All loan payments on the auto loan financed by Chase Bank were automatically drafted through my companys business account. Based on other occurrences at several other banks, it is strongly probable that payments in the exact amount of the auto loan were doubled and paid to a bank employee to assist in opening and maintaining the fraudulent bank account in my business name. The payment schedule was from XX/XX/XXXX through XX/XX/XXXX. XXXXXXXX XXXX In XX/XX/XXXX while sorting through paperwork found in the office of the previous CFO, a printout of payments for a vehicle purchased by my company from XXXX XXXX XXXX XXXX XXXX financed through XXXX XXXX was discovered. After further research of XXXX XXXX statements it was found that the dates of the payments did not match the printout found. These payments were automatically debited each month around the 1st. Further the bank name included a second bank listed as if it was a fund account within XXXX XXXX On XX/XX/XXXX I visited a XXXX branch in XXXX Georgia to request a payment history for the XXXX XXXX XXXX XXXX and to inquire about a possible banking account. The banker stated that no information was available for the auto loan that was recently paid in full XX/XX/XXXX. She stated that it was strange to see that. She requested a copy of the statement and stated that it would be mailed to me within XXXX days. As for the business banking account, no information was available because the XXXX year time limit had been exceeded. I do remember opening up this account in XXXX Georgia during the time the company was expanded business in that area. The purpose of this account was for CONSTRUCTION purposes only. There should be no other activity involving business in regards to accounts receivables or any other transactions. I believe the banker stated that this account history was from XXXX through XXXX. The auto loan span from XX/XX/XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX Around XX/XX/XXXX after receiving an alert from my XXXX XXXX monitoring account that stated that there had been a change to XXXX of my accounts I decided to phone XXXX XXXX XXXX. The statement that XXXX of my accounts may have changed is what prompted this call. I have never had any account with XXXX XXXX XXXX other than a home loan. That call to the XXXX number led to the representative stating that a XXXX had been added to my home loan account due to the bank updating itss account number system. Around XX/XX/XXXX while sorting through paperwork at home I ran across the XXXX paperwork sent by the IRS due to a large sum of taxes due. It listed all financial institutions that I had a financial relationship with. XXXX XXXX XXXX was one of them. Confused I decided to call customer service and asked if I had a business account set up with XXXX XXXX XXXXXXXX. The rep located the business account but could not discuss any matters concerning the account because I could not correctly identify it based on the Tax ID. Two times more I called hoping to get a different rep that would identify the account listed in my business name. The second call was identical to the first call. The third call revealed that there was no listing of a business account in my business name. The account had been either hidden or removed. A report of this finding was made to the IRS XXXX via email. Around XX/XX/XXXX a call was received from XXXX asking if I needed an extension on my XXXXXXXX Forbearance for my home loan. The extension was processed over the phone. On XX/XX/XXXX a package from XXXX was received requesting to complete a XXXX repayment plan that would allow my payments that had been placed on hold to be put on the back of the loan and for payments to begin XX/XX/XXXX. Confused I phoned BOA especially after seeing the account number missing the XXXX that I had phoned about back in XXXX. The rep did not do a good job in explaining why most of my statement included the XXXX in front of the other account numbers and the information that had been delivered to my door did not contain the XXXX. She transferred me to another rep who stated that usually in the beginning of a loan the XXXX would accompany the front of the account number and s time goes on the XXXX would eventually fall off. She stated that it was the same account. On XX/XX/XXXX a phone call was received from a XXXX representative asking if I had received the request. I stated that I did receive it and had until XX/XX/XXXX to return it. I asked why the document stated that payments would begin XX/XX/XXXX and she explained that the forbearance amount would be placed on the back end of the loan and that payments would resume in XX/XX/XXXX. Confused again I asked why she would be calling regarding the restart of payment for the loan when a representative had just reached out to me some XXXX weeks prior completing an extension on the loan. She replied with oh you got an extension completed? I responded with yes, I did. She went on to say that if that was the case, I did not need to return the information as that would start repayment of the loan again. The issues identified here are XXXX. There is/was a business account listed in my business name that suddenly did not exist anymore and XXXX. The addition of the XXXX in front of my home loan obviously are XXXX separate accounts that one of these accounts may have been set up as payment to a bank employee for the creation and ongoing care of the fraudulent business account. This account history spans from XX/XX/XXXX to present. In closing, it appears that all three of these banking institutions set up accounts in my business name to receive Federal and State XXXX funds in this elaborate billing scheme that was initiated by former employees expanding the financial personal gain for other individuals throughout the community and possibly other cities within the State of Georgia. Regards XXXX XXXX, CEO XXXX cell | ||||||
| 12/12/2021 | Yes |
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| Re : Chase Complain Escalations XXXX XXXX XXXX XXXX XXXX, TX XXXX Case Number : XXXX XXXX Case Worker XXXX ( XXXX XXXX I am writing this complaint with desperation from my deep heart. I am a XXXX of XXXX XXXX XXXX in XXXX, WI. One of many XXXX language schools in the U.S. funded by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX : Administration Staff : XXXX XXXX. XXXX XXXX XXXX started in XXXX in XXXX WI. We get the fund from the center annually. This year we got the check from the center in XXXX XXXX. We deposited the check early in XXXX. It took time until our XXXX XXXX registered properly in IRS since our XXXX XXXX has just separated from our mother church due to our pastor retiring. It used to be a part of a church organization. I worked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX at the Chase branch. She did a great job with us and tried hard to proceed with everything smoothly. The check was deposited with all proper docs and seemed all great. Later, we got a letter from Chase saying the account is closed and the check is held. It said we need to prove that the XXXX XXXX XXXX has opened and existed before IRS registration. I contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sent us a copy of proof of organization in XXXXXXXX. I translated it all in XXXX and took it to a local bank to get it notarized but nowhere nearby here could not notarize the document since they did not know XXXX. When I revisited the Chase branch, XXXX XXXX still documented it and sent it to chase head office. As we were doing this, a month had passed and but overall the check was not deposited. I contacted the XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX. The check has not been deposited and was held still. XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX tried to issue a new check while canceling the original check. They went to the bank to cancel it, their bank said the check had already gone through from their bank side and the money was paid already so they could not withdraw the check. That being said, the XXXX dollar check was held not being processed in Chase. XXXX XXXX contacted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told her everything was ok, please have the check processed to our XXXX XXXX. Even Though we have tried to get it to go through everything, Chase held the check and did not make it go through. Now the Chase head office asked us to provide the official document of formal letter to poof. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent me the letter to send it to Chase. They said it should be all ok and even XXXX XXXX called me said it would be all ok now. However, the check has not been deposited still for the next couple of months. I contacted XXXX XXXX and heard it later. She said Chase contacted the XXXX XXXX XXXX XXXX XXXX XXXX who was visiting or in XXXX. So they could not get connected to the XXXX, the signed person in the document. Chase denied accepting the document again. I felt very unpleasant and started to even feel discrimination seriously. I understand Chase tried to make everything correct, however, it seemed like they went overboard to investigate not just trying to accept the proof. XXXX, XXXX XXXX XXXX XXXX, and I did everything that they asked us to do over the last 4 months. Chase did not trust the document that we sent and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who did actually all the doc related work. I emailed XXXX XXXX including XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX XXXX XXXX, and our accountant XXXX XXXX. Chase sent the case over to Chase Complain Escalations XXXX XXXX XXXX XXXX XXXX, TX XXXX Case Number : XXXX XXXX Case Worker XXXX ( XXXX XXXX Unfortunately, They had not made any progress since the case had been sent over to the department in early XXXX. I tried to contact the caseworker to resolve it about total about XXXX times leaving voice messages and talking to the executive staff everyone I could. Once it got connected to XXXX XXXX XXXX ) for the first time. I appealed about the situation to get it solved. What she told me and the letter I got from Chase was saying that they needed the proof of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is a registered, legal business place. Chase asked us for more and more documents that I cant even ask XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is part of the XXXX government and we are just a tiny language school with XXXX students in a small town. This is becoming clear discrimination. I could not understand and accept they tried to be harsh on proofing the docs. I gave her all the information regarding XXXX, XXXX XXXX XXXX XXXX that you can XXXX all info anytime if needed. A couple of weeks after I finally got connected with Case Worker XXXX XXXX XXXX XXXX, she told me that she asked another department to check what she heard was proof of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is not denied. She did not tell me the reason why either, or proper explanations that I could understand. You can XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX you have contact information and map and website, and everything. XXXX XXXX XXXX XXXX XXXX tried to help us really hard. They really want to write a new check to our school to make the school running. I am devastated sitting down here writing this complaint seriously about being in the situation of about to **close our XXXX school due to not paying our XXXX active teachers after employment. ( Fall semester started in XX/XX/XXXX, ended XXXX XXXX, XXXX, XXXX school staff has not gotten paid a penny since the check was held. Teachers patiently taught the students without getting paid so far. **We are stuck not proceeding with our school accounting book, we have to report the expense of our fund from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is seriously concerned about this because they also need to finish accounting by XXXX to report to the XXXX Government. Our XXXX XXXX is a non-profit organization as a part of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase has not put enough effort into proceeding with this issue neglecting it for the last 4 months. **Above all, this issue causes a feeling of discrimination that we do not understand the situation fully why Chase does not clearly disclose the process holding the check still with ambiguous and vague reasons. **Chase trusts Neither of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our language school. Thank you for listening and please help us to get the Check canceled and release the hold. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX | ||||||
| 02/28/2019 | Yes |
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| I write to you regarding the improper actions of Chase with respect to the FHA servicing of a loss mitigation review, approval and subsequent denial thereof for the above referenced account. As described below, Chases misconduct in this matter resulted in unfair and deceptive acts and practices in connection with loan servicing, foreclosure, loss mitigation, violation of homeowners rights and protections and the use of deceptive practices resulting in a waste and abuse of taxpayer funds Each of the allegations regarding Chase contained herein applies to instances in which Chase, either itself or through its affiliates, agents or subsidiaries, engaged in the conduct alleged. Based on the facts and behavior of the Chase, we feel that they have intentionally taken steps to avoid honoring the FHA loan modification approval that was issued in XX/XX/2018. Said behavior has harmed the borrower and will ultimately harm the FHA Mutual Mortgage Insurance Fund. Per the federal statute, a loan servicer shall engage in loss mitigation actions for the purpose of providing an alternative to foreclosure .... ' Id. 1715u ( a ). A mortgagee `must consider the comparative effects of their elective servicing actions, and must take those appropriate actions which can reasonably be expected to generate the smallest financial loss to the Department [ of housing and Urban Development ]. ' 24 C.F.R. 203.501. '' The borrower for the above referenced account was in default on his monthly payments and applied for a loan modification. Via letter dated XX/XX/2018 Chase approved the borrower for a loan modification. That approval was received on XX/XX/2018. Attached hereto as Exhibit A is a copy of the approval. The approval included a FedEx label, which indicated that something needed to be returned to Chase. My office reached out to Chase and was told that the signature page of the trial modification was not included, but because the matter was being litigated no further information could be provided and that it was necessary to contact Chases attorney. Thereafter, on XX/XX/2018 my office contacted Chases attorneys office requesting a complete trial modification so that it could be signed and sent back to Chase, at which point Chases attorneys office replied that Trial modification should require no signatures, simply that they make their first payment within the timeframe indicated so we should be all set. ( emphasis added ). See the email communications between my office and Chases attorney attached as Exhibit B. Thereafter, the borrower timely made both his first and second trial payments as required. Then, on XX/XX/2018 Plaintiffs attorney forwarded a letter dated XX/XX/2018 to my office which was a trial approval requiring a signature, it appears that the XX/XX/2018 letter had originally been sent to the borrowers prior attorney. Attached hereto as Exhibit C is a copy of the XX/XX/2018 email. Then, on XX/XX/2018 the borrower received a letter, dated XX/XX/2018, stating that the modification had been terminated because the borrower failed to timely return the signed trial plan. Attached hereto as Exhibit D is a copy of that letter. On XX/XX/2018, after communicating with Chases attorney, the borrower returned the signed trial plan, which had only been received five days before, and requested Chase honor the loan modification offer. Then, the borrower attempted to make the XX/XX/2018 trial payment, but that payment was rejected for not being in certified funds, and then when the borrower sent the money in certified funds, it was again rejected by Chase. See returned payment attached hereto as Exhibit E. After additional communication the borrower was informed, in XX/XX/2018, that Chase would honor the loan modification provided the borrower made the XXXX, XXXX and XXXX payments in one lump sum. Attached hereto as Exhibit F is a copy of the email directing such payment. However, the borrower was unsure of where to send the payment, he requested wiring instructions or for Chase to take the payment over the telephone, but that could not be done, and therefore the borrower was unable to send the payment until XX/XX/2018 which is when he learned of the correct address. Attached hereto as Exhibit G is a copy of the payment. Chase rejected this payment too. Attached hereto as Exhibit H is a copy of the rejection. Thereafter, the borrower was advised by Chases attorney that his best course of action was to apply for another loan modification, which was thereafter denied by Chase. Attached hereto as Exhibit I is a copy of the denial letter. A foreclosure sale has now been scheduled for the borrowers home. Attached hereto as Exhibit J is a copy of the notice of sale. The actions of Chase in this action have been totally improper. This is a FHA loan and is therefore insured by HUD, which means that if the loan suffers a loss, HUD will need to pay a claim. Because this is a government insured loan, Chase was required to take those appropriate action which can reasonably be expected to generate the smallest financial loss to the Department pursuant to 12 C.F.R. 203.501. Here, the borrower demonstrated not only an ability to pay the loan, but a willingness to do so as well. Moreover, it is clear that the only cause of the alleged default with respect to the proposed modification was as a result of certain communication breakdowns, and not due to any inability to reluctance to pay. In fact, it should be noted that the borrower tendered each and every payment that came due, which payments were either accepted or made in certified funds, thereby showing that the modification was possible. By refusing to honor the loan modification, Chase has created a situation wherein the borrower stands to be harmed, through the loss of his home, HUD stands to be harmed by potentially paying out a claim that it would not need to pay but for Chases refusal to honor the modification, while Chase will suffer no harm as it is fully insured by HUD. This is in clear violation of 12 C.F.R. 203.501 and would appear to be in bad faith, and is against the public policy of New York. Therefore, in light of Chase, and its attorneys, repeated malfeasance or nonfeasance, as the case may be, wherein the borrower was told explicitly that no signature was necessary for the trial modification, when Chase did require such a signature, Chases rejection of trial payments despite agreeing to honor the modification, Chases failure to timely provide a mailing address for a three month lump sum trial payment, and then Chases rejection of that payment, after informing the borrower that such payment would be accepted, you should find that Chase has acted improperly and therefore mete out any punishment deemed appropriate for its handling of this matter. | ||||||
| 10/04/2018 | Yes |
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| TO CFPB!!!! [ THIS IS NOT A DUPLICATE COMPLAINT!!! DO NOT CLOSE THE COMPLAINT IF CHASE RETURNS IT AS A DUPLICATE AGAIN!!! I AM VERY UPSET BY CHASE 'S ACTIONS AND BY CFPB ACTIONS and ADMIN PROCESS WHEN YOU CLOSED MY COMPLAINT SIMPLY BECAUSE CHASE SAID IT WAS A DUPLICATE!!! OMBUDSMAN WAS NOTIFIED!!! ] TO CHASE : [ DO NOT MARK THIS COMPLAINT AS A DUPLICATE AGAIN!!! DOING SO WILL ONLY UPSET ME MORE AND FURTHER AGGRAVATE MY SEVERE EMOTIONAL TRAUMA THAT WAS CAUSED BY YOUR ACTIONS!!! ] PREVIOUS COMPLAINTS TO WHICH THIS ONE IS REGARDING ARE : XXXX, XXXX, XXXX. ================ This complaint is due to my complete and utter dissatisfaction with the company 's response to my original CFPB complaints XXXX and XXXX. And this complaint is to report that most of my issues were not resolved and even aggravated by the company 's lies in the received responses, as you will see below. My complaints are : In regard to the letters from Chase dated XX/XX/2018, and XX/XX/2018, which are documented in both complaints above : 1 ) On the day of the incident ( XX/XX/2018 ), after my card was blocked the first time, I did receive the email from Chase asking to confirm the transactions that were responsible for the block of my card. I did click " yes '' in the email and received a successful confirmation that everything should be fine and I can make my transaction now. 2 ) After trying to do the transaction again at the same ATM for the same amount and having sufficient funds in the account, I was unable to do so again. I called customer service and they assured me that they unblocked it now for sure and everything should be fine and I can make my transaction. I was asked for my info, I verified my ID and everything else that they have required from me to unblock the card. They GUARANTEED that it will work and everything should be fine. 3 ) After I went back to the same ATM and tried to do the transaction for the same amount again ( 3rd time now ) I was blocked again and I was unable to do my transaction. I called the customer service again and had to verify all info again, at which point I was told by the rep that they can't unblock my card and I need to call the Fraud Dept. 4 ) Once I have reached the Fraud Dept by phone and before I was connected to the rep, I have heard very clearly the following message which I quote to my best ability : " your conversation with us is going to be recorded to prevent fraud and your voice is being analyzed and will be used in the future for your recognition and ID ''. This was completely outrageous and upsetting because I was simply put before the fact, I was not provided with a choice to opt out and use some alternative way to resolve my issues with the company, and I was not asked for permission to do this. This was also the first time I have ever heard anywhere such a message and there was absolutely no reason to give me such a message since I am not a criminal or under investigation by LE for any financial crimes. I was not trying to commit any fraud and I was with the company for many years, always in good standing. Not to mention that recording conversations without two-party consent is absolutely illegal in California and the second part about the use of AI to obtain my " voiceprint '' for ID, recognition and other purposes, and without my consent or a valid reason, is even more illegal and a complete violation of my rights and financial privacy. Moreover, in the latter dated XX/XX/2018, the company admitted, confirmed, and stated in writing that on XX/XX/2018 I have elected to opt-out from voice recognition and they supposedly honored that. Considering this, the company admitted doing wrong and most certainly committed a crime by doing completely opposite at the time of my call to the Fraud Dept. 4 ) The company never acknowledged that the rep from a Fraud Dept. ( a woman ) was disciplined or fired for humiliating me and talking to me like I am a dirty animal or a petty criminal. So I demand that the company fires this individual because they ignored my concerns completely and did not even apologize. I will not accept anything less than the firing of that woman. 5 ) I was also told by this very angry and threatening woman that I must come to the Branch and she was even more upset when I have told her that I am XXXX and my XXXX XXXX has XXXX XXXX XXXX which prevents me from going anywhere, driving at all, and driving safely too. She said that she did not care and this is what must do. My requests to provide me with a reasonable accommodation only further angered that XXXX and she denied me my ADA rights with complete disrespect or concern. XXXX ) The bank was most certainly aware of my XXXX because I was getting direct deposit from XXXX to my account for many years and I also stated that I am XXXX during many times they have requested to update info online. So the company 's statement that they were not advised or had any knowledge about my XXXX and inability to come to the branch is the absolute and blatant lie on their behalf. 7 ) I had to go to the branch anyway since this was the only option that I was left with to make a needed transaction, which greatly aggravated nerve pain in my foot and put myself and others in great danger since I had to drive there. I also received a huge emotional trauma from all this on that day which further aggravated my health. 8 ) I did have to go the branch yet again the next day ( XXXX ) since I have decided to close the account and withdraw the remainder of my money because I did not want to have any more problems like that, because my card was still not working and because I did not want to be a client of a company that does things like that. I closed my account and withdrew all of my funds on XXXX @ XXXX but I was given a paper that stated that my account is not closed yet and just " being closed '', so I do not know if it was closed completely. I also do not know if I was not charged any unauthorized fees but I am willing to overlook this particular matter since I think I got most of my money back from the bank. Once I closed the account, I lost access to transactions list, which is why I can't confirm this although I don't have a problem with this. I have attached proof of what I was saying as far as confirming all transactions via email request by the bank and also that my account was " being closed '' when I asked it to be closed. I also have a call log that confirms that I had to call the bank 4 times that I reported and that I had to drive twice to the bank 's branch which was very dangerous and messed up my health. Let me know if you need this information. This is why I consider most issues still unresolved to my satisfaction and I am still very upset and frustrated. Please help me. Thank you. | ||||||
| 07/29/2022 | Yes |
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| On XXXX XXXX I went to a XXXX 's furniture store in XXXX XXXX, FL. I told the salesperson XXXX that my parents had a particular couch from them, and I wanted to get the exact same model for my house in North Carolina. I wanted a love seat and 2 reclining chairs. I told him that my floors were being redone and I did not need it until XXXX. He said that he could not guarantee the same price in that time frame and if I wanted the sale, I would have to purchase it then. I said OK. I asked if they would be in boxes so I can store them in our garage. He said yes. I asked him if I should purchase the extended warranty being out of state. He said yes, they can warrantee the items anywhere. We even looked at options of having a delivery team deliver it up to my house in North Carolina. It cost more than just renting a XXXX so that is what I did. I picked them up on XX/XX/XXXX from the warehouse where the employees loaded it in my trailer. I then drove home with the items and unloaded them into the garage. They remained in the garage in the original boxes until our floors were finished and we moved in. Upon opening the boxes, I noticed that I did not get when I had originally wanted. I wanted a love seat and 2 chairs but got a 3 seat couch and 1 chair. I immediately contacted XXXX 's and after some back and forth they agreed that if I drove it back down to Florida, they would charge me a restocking fee but the sale would offset it. I reluctantly agreed so I could at least get what I originally wanted. After less than 3 days of use I noticed that something was not right with the couch and chairs. The two love seats did not connect well together and if you leaned in the middle it acted like you were going to fall in. If you went to extend the feet portion it would make a grinding/popping sound that got progressively worse until it no longer extends. When I investigated the cause, I noticed that when you extend the feet portion of the couch that it was hitting a knob extending off of a bracket. My parents have the same couch, so I had them look at theirs and they do not have this bracket. I called XXXX to tell them of this matter and they first told me I was out of luck because I took it across state lines. I did not understand this because even as seen on my invoice I gave them my address and they never said anything about not warranting items taken out of state. In fact the salesman said it was no problem. They then instructed me to call the company the extended warranty is through. When I called them, they said I am still under the manufacturers warranty, and they will not even fix this issue after the one-year period because I made them aware before the manufacturers warranty expired. So, I called XXXX back got the run around and finally got a number for the manufacturer. When I called them, they said we do not sell to XXXX or know who they are and that I needed to contact them for warranty repairs. I could not believe this and wanted to talk to someone at XXXX 's in person. I flew down to Florida and went to XXXX store to talk with the manager to see if we could resolve this. They were very irritated and did not want to be of assistance and said I had to work it out with XXXX corporate office. I have called and left many many messages at corporate. I have had 2 return calls. One to tell me tough luck I should have informed them within 72 hours and one to tell me I had to of damaged it when I brought it out of state. This is not possible as they were in the original boxes from when I picked them up and I even have pictures of the boxes being damaged free. The last conversation I had with someone at corporate was that I need to get it repaired at my own cost and just deal with it. I feel that this is not reasonable for a brand-new couch to have these issues and they are not willing to make it right. I have a very expensive couch, {$5800.00} to be exact, and an extended warranty that is basically useless/unusable. I contacted Chase Bank, my credit card company, to help me get a resolution and they were just about the same customer service wise as XXXX 's. They gave me the run around and even though I submitted all the paperwork to dispoute the charge it somehow did not get processed correctly and all they did was ask XXXX 's if I made the charge. There was never a question of the charge being valid. There is question on if I was knowingly sold a defective item that they do not want to stand behind even when they gave me a pamphlet about a hassle free XXXX warranty that covers structural and mechanical defaults. That is literally what I am dealing with. Chase never contacted me or had me fill out any forms. Then a couple weeks later I get a letter stating the charge was valid. I immediately called chase to where they told me that no one had reached out to me, and they do not understand why. I was then told I would now have to write a letter to Chase corporate to get them to reopen it. To which I did and explained the same as above that I had items that are defective, and the merchant is unwilling to repair or replace. I never heard from anyone again but got a full refund, so I thought it was closed in XXXX. Come to find out on XXXX I got charged again for the same charge. I immediately called chase. They told me that I would have to send another letter and more information to get it reopened again. I sent the letter. Was never contacted again and received a letter XX/XX/XXXX that the charge would remain. I do not understand how Chase can not contact me to get my side of the story but can contact XXXX 's. When I contacted Chase again, they said because it had been opened twice, I was out of options and the last day to do anymore was XX/XX/XXXX. I was never told of a deadline and did not receive any correspondence until XX/XX/XXXX. It was opened twice to no fault of my own. Chase dropped the ball on that by filling a dispute without getting any information or evidence from me. If I had known of a dealine date, I would have called to see where we were at before that date. I even provided evidence of the XXXX XXXX warranty pamplhet I received from XXXX 's and the extended warranty terms of service. It does not state that if you cross state lines it voids warranty, if fact it lists each state variations on cancelling the warranty. I believe that both XXXX 's and Chase Bank need to be investigated. XXXX 's for fraud and Chase Bank for procedures and responsibility of their employees. If you pull up XXXX 's furntiture on the XXXX, you can see I am not the only person that this has happened to. It is full of complaints of not standing behind the product/warranty. This is my last resort to try to resolve this item before I will have to take legal action with both XXXX 's and Chase Bank. | ||||||
| 03/13/2023 | Yes |
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| I was fraudulently charged {$3700.00} by XXXX XXXX for merchandise, taxes, and a delivery fee with a promise that it would deliver the item ( a turquoise damask rug ) by XXXX XXXX Tuesday, XX/XX/, that it failed to deliver. Since XXXX XXXX refused to provide a specific appointment time for the delivery, I told it that it would need to call me at least 60 to 30 minutes before it wanted to deliver the rug to ensure that I could take delivery when it wanted to bring it ; at no time did I agree to wait for 3 or more hours for a supposed delivery that, in fact, did not occur. On the contrary, I repeatedly told numerous agents for XXXX XXXX that it would need to call at least 60-30 minutes before it wanted to deliver the rug sometime between XXXX XXXX and XXXX XXXX. XXXX XXXX failed to notify me in a reasonable manner, calling 10 minutes before it wanted to bring the rug, then their deliveryman refused to answer calls or texts at the number hed called me on ( XXXX ), while other reps provided false and misleading information, asking me to text its delivery person when I could receive the rug. Yet when I complied with XXXX XXXX request ( made by XXXX XXXX of the XXXX, VA store ), and texted that I could take delivery on the rug, XXXX XXXX responded by saying that it would not deliver the rug, contrary to its prior advertised commitment as part of the sale, despite the fact that I told it that I could not receive the rug after XXXX XXXX, the time it was supposed to deliver it by. Among other things, XXXX XXXX said that the delivery people needed to do their job and asked me to text the deliveryman when I could receive the rug. However, XXXX XXXX deliveryman ignored both telephone calls and texts, displaying and confirming the companys pattern of evasion and one-way communications that are consistent with its intentional, habitual, financial bullying and abuse. There was not even a machine-based answering device or voice mail at the telephone number used by the delivery man ; he just allowed it to ring and ring minutes after hed called me 10 minutes before he wanted to deliver it to announce his demand and intention to do so. Since XX/XX/, XXXX XXXX cajoled, badgered and bullied payment in full for the item, with a delivery fee and taxes added on, over a month before it promised to deliver it. The FTC, the CFPB, state, and other regulators should prevent and effectively sanction the pay-in-full-on-demand-get-later-maybe abuse that is XXXX XXXX modus operandi and commonplace among an increasing number of retailers, an abuse that worsened greatly during the covid pandemic. XXXX XXXX is among the worst offenders of this kind of scam. Chases enabling complicity in these predatory abuses from which it profits and its aggressively defending them for the sake of its tawdry gain, make it jointly responsible for them. When I called my Chase Freedom Unlimited VISA on XXXX XXXX after XXXX XXXX refused to deliver the rug it had promised, to receive full and timely credit for the scam, Chase refused to issue it. It continues, undeterred, its deeply engrained pattern of posting debits in lightning speed on this card, while obstructing, delaying and avoiding issuing credits due in anything comparable to the alacrity with which it gouges its customers with illicit charges. In typical fashion, its representative also lied, asked the same questions over and over again without noting the clear and simple answers repeatedly provided, wasted time ad nauseum, then lied by saying she would transfer me to someone else to whom I would not have to repeat the same information, yet again. When the second person came on the line after the transfer made by the first rep, she said the call came through as though from the outside, that she did not receive any facts or needed information from the previous representative as I was told by the first that she would, and that the second would have to have everything repeated. Then the second person said she could see that a partial credit had been issued by the first representative, but the second rep said she had no way of knowing who the first rep was and that she certainly did not have any way to receive the actual facts needed, again, for the credit. The CFPB should listen to the recordings of these representatives calls to see just how ridiculous they are. Finally, the second rep declared that a credit might be issued, maybe, depending on what XXXX XXXX said, and that, in any case, it would take weeks to months for the entire credit to come through, if at all, and/or be finalized. Chases enabling and defending its partners abuses for its own illicit gain, to include but not limited to enabling its retail partners to command significant amounts of cash or credits in mutually extorted interest-free loans for their ill-gotten cash flow and operating expenses on the backs of consumers and small business owners who are extorted to pay for them, is intolerable. So why does the CFPB, the FTC, and other regulators tolerate such predation by habitual, repeat offenders such as Chase and XXXX XXXX? Why is Chase allowed, once again, such huge discrepancies in how quickly it posts debits versus how quickly it issues overdue credits? What are XXXX of dollars in payments from me to XXXX XXXX supposed to be for at this point, except mutual, self-evident condemnation by such well known, co-perpetrators of this kind of pay-in-full-on-demand-get-later-maybe scam? XXXX XXXX would not even allow me to obtain its merchandise at any of its stores or warehouses. There is no normative alternative in which a customer buys something at a retail location and possesses, immediately and directly, the purchased goods that are bought. The extortionary delivery fees are simply a way that XXXX XXXX and Chase collude to push obvious and reasonable operating expenses of the retailer, of getting its merchandise to public stores for purchase, onto the backs of Chases credit card users. Chases position is absurd but clearly demonstrates its profiteering from commonplace frauds and scams. Why are regulators not preventing this kind of routine fleecing by merchants and their bankers? Please force Chase to issue a full and immediate credit to my credit card for this habitual scam immediately. Please sanction it and VISA so that neither may profit but only earn penalties in the well worn, pay-in-full-on-demand-get-later-maybe market predation that has increased and strengthened so many toxic, inflated and dysfunctional markets for consumers and small business owners alike. Please investigate other similar kinds of abuses by Chase and its corporate partners, monitor it indefinitely for its illicit activity with XXXX XXXX and do something effective to put an end to it once and for all. | ||||||
| 11/27/2022 | Yes |
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| In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with JPMORGAN CHASE BANK NA. During the course of the credit transaction, I was not provided material disclosures as required by law. JPMORGAN CHASE BANK NA used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that JPMORGAN CHASE BANK NA and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXX, XXXX XXXX XXXX XXXX began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with JPMORGAN CHASE BANK NA. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking XXXX XXXX XXXX, XXXX for information pertaining to the consumer credit transaction for account number XXXX. I followed up with XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to XXXX XXXX XXXX XXXXXXXX, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to JPMORGAN CHASE BANK NA. XXXX XXXX XXXX XXXXXXXX failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form XXXX XXXX, IRS form XXXX, IRS form XXXX, IRS form XXXX, IRS form XXXX, the name and address of the original creditor, as well as XXXX XXXX showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to XXXX the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified JPMORGAN CHASE BANK NA, XXXX XXXX XXXX XXXXXXXX, as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JPMORGAN CHASE BANK, and XXXX XXXX XXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project Manager for XXXX XXXX, not XXXX XXXX XXXX, XXXX. Using multiple Corporations to hide nefarious activity being done by various actors may be common among XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( and/or XXXX XXXX XXXX hired law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX ( and/or XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and XXXX XXXX XXXX, XXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXX XXXX XXXX, XXXX, XXXX with an XXXX man, used threats of force to remove XXXX XXXX XXXX and XXXX XXXX from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, JPMORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and/or XXXX, XXXX & XXXX XXXX XXXX, permission to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by XXXX in title XXXX United States code chapter XXXX section XXXX ( b )? | ||||||
| 03/25/2021 | Yes |
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| Attached is the official complaint letter we sent to Mr. XXXX XXXX and his Executive Office at Chase after we experienced an unmitigated financial disaster due to jaw-dropping Chase incompetence, followed by inexplicable Chase arrogance, followed by more Chase arrogance and incompetence. We ask that you use this attached letter as our official letter of complaint to your fine regulatory agency. Thank XXXX for you folks. These behemoth banks have simply gotten too big for their XXXX XXXX, highfalutin fancy pants. In our case, the XXXX Chase Executive Team charged with handling their self-admitted, indisputable errors have the customer service skills of an inebriated child and the bedside manner of Dr. XXXX. At least Dr. XXXX got the job done. As you will see, Chase and their merry mistake-making minions nearly destroyed our financial lives in one week. Worse, they cared less than a bored barista on a coffee break. It should also be said that our money from our life 's work - over half {$1.00} XXXX - was compromised and jeopardized by this episode of financial malpractice and scared the living XXXX out of us. Not to mention costing us XXXX stress and literal weeks of our lives picking up the pieces. The wake of destruction continues as we speak. The damage control will continue for months. The poor Chase private client bankers we've been dealing with were so embarrassed and depressed by this endless Chase XXXX that we had to talk them off the ledge. We trust these institutions with our hard earned blood and guts finances. We hope and trust that you good folks at can help us with the accountability and transparency that folks like us need and deserve. Please read the attached letter of what it's like to be a Chase Private Client and try not to have your head explode. Thank you sincerely in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX -- -- -- -- - XXXX Dear Mr. XXXX XXXX, We attempted to deal directly with multiple members of your Chase Executive Team on the following matter, but like XXXX XXXX, they all just up and disappeared. Allow me to introduce you to my wife and I. We are XXXX XXXX XXXX XXXX and XXXX XXXX. We have an award-winning, critically acclaimed XXXX on XXXX right now called XXXX XXXX about accountability and transparency in medicine. Speaking of accountability and transparency, we would like to know what the XXXX just happened to us at Chase? In our XXXX years of marriage, we have never bounced a check, missed a payment, incurred a late fee or penalty, have never paid a XXXX in interest, and paid all our bills on time, in full, every month. For three decades. We have perfect credit. Imagine our surprise when, during the first week of XX/XX/XXXX, while driving across the country from CA to WI to handle the affairs of my recently deceased mother, we started getting notices from our vendors that our auto-payments from our Chase checking account were all being rejected. My XXXX XXXX XXXX said that their direct deposits were being returned. For the first time in our lives, out of nowhere, we were getting nailed with penalties, late fees and incurring interest for missing payments. After frantically calling all of these initial vendors, we called Chase Bank and Chase Credit Card Services, only to find out that our main Chase credit card was frozen, that our new Chase savings account with {$500000.00} was frozen and our lifeblood, lifeline checking account we've had for decades was frozen, restricted, locked and blocked! Everything in our world - our medical, financial and legal, our personal and professional, our utilities, auto pays, credit cards, income, pensions, my power of attorney and executor duties ALL incoming and outgoing finances were inexplicably blocked and/or returned. After a lifetime of pristine financials, we were suddenly deadbeat defaulters Our prized credit ratings about to take a brutal hit. Honestly, we have been scared to death. It can not be stressed enough that NO ONE from Chase, in any department EVER contacted us to alert, warn and/or help us in anyway. This after a decade of my wife and I using Chase for more than a dozen personal and business Chase accounts. Oh. the joys of Chase XXXX XXXX status! Was it fraud? Was it identity theft? Was it some kind of counterfeit forgery scheme? Nope. As it turns, it was just good ol fashioned Chase incompetence and arrogance. After calling your Executive Office to find out what on XXXX Green Earth was happening to our financials, we were issued a case number ( # XXXX ), which was followed by a tsunami of indifference, accompanied by a complete and utter lack of anyone at Chase giving a XXXX. One Executive Team member, XXXX, a woman with the customer service skills of a XXXX, said that we needed to go find a Chase branch ASAP, open up a new checking account ASAP because the old checking account was being shut down due us opening up a new savings account with a half {$1.00} XXXX which then led to our credit card being shut down, our checking account being shut down and the new savings account being shut down. WT?!? XXXX promised ( XXXX ) she would get right back to us, as well as do a full investigation as to what was happening. She also promised she would take care of all the late fees, penalties, interest that were hitting us across the country with a vengeance, as well as providing us with a letter of apology from Chase that we could present to the plethora of vendors that were also now being swept into this Chase vortex of Armageddon. All we have received since is an unintelligible message of gobbledygook. We did have two local Chase branch managers ( XXXX XXXX - XXXX XXXX, CA & XXXX XXXX - XXXX, WI ) who got sucked in deep to this egregious farce and did their best to try to help us put out the now ever growing financial fires caused by this unbelievably XXXX completely preventable situation - fires that will continue to burn on in our lives for at least the next few months as we scramble to contact all our vendors and put back the pieces from this wake of Chase destruction. To be honest, after trying to clean this mess up, let alone explain it, both XXXX and XXXX were ready to jump off a bridge. Mr. XXXX XXXX, I put it to you Why did Chase not tell us anything about this before, during or after? Why have we not heard back from anyone at Chase over this unmitigated fiasco? Who at Chase is going to make things right? Does anybody at Chase care? Can we trust Chase with our money? Epilogue : as of the date of this writing, XX/XX/XXXX, both our old checking account and our new savings account were closed. Like your Executive Team staff, they just disappeared. Without anyone from Chase telling us. XXXX & XXXX XXXX | ||||||
| 09/14/2020 | Yes |
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| I booked a stay using XXXX service on XX/XX/2020 for 5 days ( XX/XX/2020 ). I was in talks with the property management company from day 1 with questions and clarifications. Once we arrived to the location, we were appalled. The photos were edited/enhanced to make then look better, there were several inaccuracies in the listing itself that we identified once we got there, the listing claimed a sofa sleeper when it was really a small size futon. The refrigerator did not work and we lost around {$500.00} worth of food that we purchased from XXXX. The house was extremely warm with thermostat reading 83 degrees, so we opened the windows to try and cool down the house since it was in the low 60 's outside. However, when we opened the windows during a movie on our first night we got a noise complaint. The property management company started to text me with unsolicited messages telling us to be quiet and threatening us with being kicked out or heavy fined, while also apologizing for their " consistently sensitive neighbor ''. This was a major surprise, as the listing stated the neighbors were far away. I spoke with the property management the next morning and expressed my frustrations and I was told they would work anything out afterwards. I was told to just keep a list of thing and bring them to their attention after the stay and promised since they are the largest company that they would guarantee my satisfaction. After our stay, I sent the issues as requested and I got a generic response back along with asking what I wanted. I stated I wanted reimbursement and then they never responded to me again. They also left me a poor/negative review. I called XXXX and they stated with my poor review nothing would be done and they stand by their client, but insisted I leave a review and then call back. So, I left a review and I ensured to make it as objective as possible. A few days later, XXXX emails me and states the review is denied because I " blackmailed the property management company ''. When in reality all I did was tell the property management company after I listed all the negatives with the stay that I would prefer not to leave a review and would prefer reimbursement. After exhausting all those options, I went to my bank and the first agent I explained a version similar to above and was told this would 100 % be able to be disputed for dissatisfaction of services rendered. I then spoke with Chase Bank 's fraud department. I told told no and that since I stayed there it was not an option. After going back and forth the gentleman hung up on me, so I waited for a few minutes and there was no call back. I called a 2nd time and spoke to XXXX in the fraud department. The same back and forth, but this time there was a clear negative attitude from the representative. I was frustrated, but not upset until talking to XXXX and I told him he was condescending and just being a jerk. Then I spoke with XXXX, who is a supervisor for the Chase Fraud department. Again, the same back and forth but she was much nicer and understanding. I asked her a hypothetical question based on what they were telling me as their reason for not assisting which was " you stayed at the XXXX and received 100 % of the service therefore you cant seek reimbursement ''. I explained that the " service '' goes way beyond the staying at the residence. I explained that their service afterwards is where most of my concerns are, the fraudulent listing, the lies about " taking care of me '', and the systemic issues displayed by blocking my account and ability to leave a review to which Chase representatives stated disagreement with interpretation. The questions I asked was basically - Hypothetically, If I called into Chase the day I arrived and stated I was unhappy for " x, y, and z reasons and wanted to leave. However, because of COVID and the fact that we had 10 people fly in for this stay we could not find a place that would take so many people on a last minute notice, what would Chase Bank suggest we do? XXXX responded by saying the same stuff, if you stay there you have to pay. My final comment made was that what I am inferring from that response is that even in the face of zero options the only way Chase Bank would offer consumer protection is if we opted to be homeless for the night and sleep on the street. I explained that I was very disappointed to know that Chase Bank doesn't have my back as a consumer. I was forwarded to a 3rd party benefits team and again there was no resolution other than being told too bad. I understand rules/regulations and things of that nature. Where I really get scared is the systemic practices by XXXX and the property management company. They know the system and it is evident in retrospect when I was told " just wait until after the stay to submit your concerns '' and then poor review of me leading to XXXX response and siding with their client as a result, and blocking my ability to leave a review. When the banks are not willing to protect their consumers then these companies have absolutely ZERO accountability. When they understand the banks will deny ANY claim no matter the reason as long as the person stays, then they will say ANYTHING to give the consumer peace of mind. That is what happened here. I wanted to leave, we couldn't leave anyway because of COVID, we complained and were given peace of mind for 'AFTER ', and then XXXX took away our voice. DETAILS : XX/XX/XXXX charge by XXXX XXXX {$2000.00} XX/XX/XXXX (? ) charge by XXXX {$400.00} XX/XX/XXXX charge by XXXX XXXX {$2000.00} XX/XX/XXXX charge by XXXX XXXX {$50.00} XX/XX/XXXX charge by XXXX XXXX {$39.00} TOTAL= {$4600.00} Contacted property management ( XXXX XXXX ) multiple times, last correspondence on XX/XX/2020. Their last response was XX/XX/2020. Guest review from XXXX XXXX about me XX/XX/2020. Contacted XXXX about concerns approximately XX/XX/2020 XXXX XXXX review from me approximately XX/XX/2020. XXXX opened case ( have # if needed ) and closed it XX/XX/2020 denying my review, I responded back to XXXX, XXXX has ceased communication. Tried to dispute transaction online through Chase XX/XX/2020 Called Chase Bank XX/XX/2020 - conversations/outcomes listed in long narrative. Consumer Finance complaint on XX/XX/2020 for poor customer service, unwillingness to step in and take action, even if regulations prevent Chase from filing for reimbursement I feel that given the context of my scenario I was clearly taken advantage of and I feel like a victim of fraud after being stupid for believing XXXX XXXX and XXXX lies. I feel Chase should stand behind their customer even if the regulations do not allow them to seek resolutions in that form. I still expect the bank to hold fraudulent and deceiving people accountable. | ||||||
| 03/21/2023 | Yes |
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| My bank account was set up with Chase since I was XXXX years old, I owned the account for almost 10 years before the incident occurred where Chase froze and then closed my bank account with no notice, access to my funds including a cleared check of {$6800.00} and my pay check which had been a reoccurring deposit / transaction for 4 plus years from my place of employment. On the morning of XX/XX/XXXX, I electronically deposited a check to my checking account though J.P. Morgan Chase Bank in the amount of {$6800.00} that was sent to me by a cash back rewards online program I have been using for 2 years now via mail with my name and address on it. All of my information was correct, it was made out to me with the exception of my hyphenated 2nd last name. When I deposited the check it said that the funds would be available on XXXX. It took some time to clear and when the funds showed that they had cleared and were in my account when I checked a couple of days later ( XX/XX/XXXX ), I decided I was going to transfer some of the money into an external savings account I had previously sent money too many times over the course if the year. What I did not know at that time is that my account had been frozen, so I received a notification later than morning that my transfer had been cancelled and did not happen. I proceeded to call that morning and asked to speak with someone who could help me understand what the next steps were and an explanation for why this had occurred, I was told that the funds would be available to me within the next 10 days or I could call the place that issued me the check and request that they stop the transfer, being that I had already deposited the check, I believed I should just allow them to do their jobs and all would be okay. I received no communication from them until by the morning of XX/XX/XXXX, at this point both my savings and checking account were now frozen along with all of my finances ( 2 weekly pay checks, the check deposit I made and anything in my savings account ). When I called on the morning of XX/XX/XXXX, I was told that they needed to get in touch with the place that issued the check to me ( XXXX ) and that they would not allow a 3 way call, they can not leave voicemails, send them an email or use any other form of communication other than a call that they ( chase bank ) initiates so they could verify that they check was intended for me even though the check cleared and they had the funds received. They told me this was the only way. At that time I was also told for the first time that if they ( their fraud team ) were not able to get in touch with XXXX to confirm whatever information wanted, my account would be shut down by XXXX that same afternoon. However, due to covid the company XXXX was no longer able to take incoming phone calls and since Chase would not allow XXXX to call them the only way was a three way phone call, which chase was not allowing. Just like Chase, XXXX does not allow calls both due to staffing and also to protect their clients information but they would allow a three way call or help if Chase was willing but they were not. Despite my many attempts to explain this to them, and them listening to the same message play back explaining the information I explained to them when they called XXXX they insisted the could not do a 3 way call, XXXX could not call them or initiate the call, and only they could call out. I was then told by the supervisor of the fraud department for chase that if I was able to get in written form of communication from XXXX that the check was indeed intended for me ( the person who's name was written on the check ) and take it to a Chase bank onsite it could be reviewed by a bank manager, the documents would be sent over for record and I would be good to go. With that direction I contacted XXXX via email over the course of the next couple of hours and obtain the information with a copy of the deposited and cleared check, etc. drove to a Chase bank and provided all the documents, explaining the situation to the bank Vice president who also agreed that all was on order and he would send all the documents to the team who would review the information but that everything should be just fine as this would clear up any issues. After a couple hours I called them to ensure all the documents were received and where in process. At this point I was now being informed that it was under review and would take up to 8 hours for them to process the documents but my account would not be closed, and to be patient. Within the next couple hours, I looked on the mobile app where I saw my accounts where no longer coming up on the dashboard. I called again and was informed they are just in a review and to allow them to complete this process, that they still showed the accounts open. The following day, I called and I was told that regardless of the " incorrect information everyone has been giving me '' my account was closed and there was nothing I could do about it. I asked about the funds in my accounts, I was told that my balances with the exception of the check I deposited for over {$6000.00} would be mailed to me at the address on file and that if they were not able to confirm the information they wanted with XXXX via their phone call the money would be sent back to XXXX, and if they did get in touch with them since they would be making continuous efforts to get in touch with them and get the matter resolved, I would get a check. A couple days had passed and I had not heard or received a check, I reached out to their fraud department supervisor again, she told me that the information I was given about the funds going back to XXXX was incorrect and instead it would sit in a General Ledger account until they got in touch with the company to confirm the check was for me and that I would never be allowed to open an account with Chase again until the matter is resolved by XXXX responding to their phone call and no other way could be used as verification but the remaining funds was already processed, I received that check about 10 business days later in the mail. Since then, no movement has occurred on it. Chase has not attempted to try to resolve the situation regarding the XXXX check in the amount of {$6800.00} and I am unsure what to do and I do not believe this is fair. I provided any and all requested information, even sowing statements of high dollar checks being cleared and deposited with no issues in my external savings accounts with other banks, emails, etc. The check had my name, address, etc. and most importantly it cleared, they had the funds. I have tried inquiring about it but I am unsure what is being done to resolve the issue or if anyone is trying. Please review this! Thank you | ||||||
| 05/26/2021 | Yes |
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| Below is an overview of the ordeal I have been put through caused by what I believe to be a discriminatory banking system in our country. I am a small business owner, owning multiple restaurants and have 100s of employees throughout my various business entities. I also own a real estate investment company. I have multiple personal and business bank accounts and currently bank with XXXX XXXX personal ), XXXX ( business XXXX, XXXX XXXX XXXX bank ( business ) and Chase ( both personal and business ). I have a crystal clean background, am a law-abiding citizen and pay my taxes in full and on time, and have great credit ( XXXX XXXX XXXXOn XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX, and attached hereto ) in the mail from Chase which states : " Important Information : We have decided to close your accounts. After a recent review of your accounts, we have decided to end our relationship with you. '' I have banked with Chase for my personal and business banking for years, and have not done anything to warrant this closure. Nor did I do anything recently to trigger a review of my accounts, such as opening a new account or credit line. Chase did not reach out with any communications prior to this letter about suspicious activity or any alerts or action requests for me. The account that was referenced on the letter was a personal joint bank account that I share with my wife, but was addressed to me. After receiving the XX/XX/XXXX Chase letter, I called the general Chase customer service number to verify the authenticity of the letter, and they confirmed it was legitimate and told me that my accounts would be closed and they could not provide me the reason. I called this number and was on the line for hours waiting and talked to multiple specialists-none who would/could divulge any information as to why Chase was unilaterally cancelling my account. One of the persons I spoke with stated that I should go to a Chase bank and ask the branch manager for more information. On the afternoon of XX/XX/XXXX, I did this and went to my local Chase branch I spoke with the branch manager there. She informed me that she did not know the reason for the closure and that there was no way for her to get information on it or for me to find out more or to dispute the closure. She said the only other person for me to call was the number listed on the letter and see if they can give me any more information. She also informed me that whenever customers of Chase receive letters like this ( she said it happens rarely ), that those persons can never bank with Chase again and are banned for life. She suggested I open a new bank account ASAP because after XX/XX/XXXX Chase will just shut down my account and mail me a check with the balance unless I close/transfer it before that hard date. After returning from the branch, at about XXXX I called the number listed on the letter and asked again for more information. Again, I was told that the decision had been made and there was no reason given and that I could not dispute it. On XX/XX/XXXX, I applied with XXXX Bank, a well-regarded online bank, to create a new personal joint account with my wife. On XX/XX/XXXX, I heard back from XXXX Bank on my application, which they denied ( see attached ). I was surprised that their email response did not prompt me for further information to validate my information, it simply said thank you for applying. I was of course very frustrated after receiving this email. On XX/XX/XXXX, my wife and I visited the location XXXX branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX and met with a banker there. I have had a personal banking account with XXXX since XXXX XXXX my first job after college was at XXXX XXXX. We got through the application to open a joint account and at the end, He said he was sorry but that he could not proceed with processing my application because my name came up on a XXXX XXXX XXXX XXXXXXXX XXXX XXXX list ( see attached pics I took of his screen he showed me ). He told me everything was ok with my wife but my name came up on this list and he could not open an account with my name on it. I told him that was nonsensical because I already had an account and have been a XXXX customer for 17 years but he said he could not help me or proceed. After researching online, I saw that the XXXX list is reserved for criminals and XXXX who are flagged by the govt. Again, you can imagine how frustrated and embarrassing an ordeal like this could be. On the evening on Friday XX/XX/XXXX, I then called my friend and business banker at XXXX XXXX XXXX Bank, Senior Vice President, and asked him for his advice on my situation. He first asked me to run a credit check on myself and look for any suspicious activity-which I did and found none. He then saw the photo I took of the bankers screen at XXXX and saw that my name came up on their XXXX database. He said he would talk to the head of his Bank Security Act Department on Monday and get back to me. On Monday XX/XX/XXXX, he emailed me ( see attached ) to inform me that she thinks my name is being confused by these banks software with a man on the list who was born in XXXX in XXXX. She said when she ran my name in her security database, this mans name came up as a strong match. I was shocked and appalled that the software the banks use to identify persons on the XXXX list matched my name with this mans name, which isnt close to my name. That would be like the software matching a person named XXXX XXXX with a XXXX XXXX. Furthermore, my banker told me that he doesnt know how to get my name from being associated with this mans name because if I reach out to the XXXX department they will tell me that I am an not on the XXXX XXXXist. The problem lies with these banks software that is XXXX and lazily matches my name with this persons name. Also, these big banks dont care to further investigate when their software matches a person to the XXXX list and just simply cancel their accounts and ban them for life, or stop them from opening new accounts. I am extremely upset and frustrated at this whole ordeal and am unsure what to do next to help me in this situation. I am unclear on what other of my existing bank accounts ( both personal and business ) will be closed or how this mix-up will affect my ability to bank in the future-it is all very unsettling. I want to get clarity on why I am being unfairly targeted and punished by our banking system because I have a name that is loosely associated with a person on the XXXX list. I also want to make sure these issues dont continue for myself or for other people with names that may be confused by a XXXX software system and people with names that may be confused by a XXXX and outdated software system. | ||||||
| 01/30/2023 | Yes |
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| Dear Consumer Financial Protection Bureau ( CFPB ) : I am writing and submitting a complaint to request your help in the unfair treatment and breach of due diligence on behalf of Chase Bank ; and for not providing a recourse mechanism to address Chase Banks faults. I have detailed all the dispute facts in the Dispute History section and included documentation in the Annex section ( documents attached ). I am presenting XXXX complaints against Chase Bank : XXXX. Not taking responsibility for their delayed response regarding claim dispute XXXX. A lack of due diligence and misstating the facts. XXXX. Not providing a recourse mechanism for their faults and not informing me of my right to contact the Consumer Financial Protection Bureau. XXXX. Expecting a client to pay for their delayed action versus Chase Bank taking responsibility. I am seeking the following resolution : XXXX. Remove the charge of {$110.00} and provide an apology for wasting my time. XXXX. Take responsibility for their delayed investigation and lack of due diligence. XXXX. Set up a recourse mechanism to handle Chase Banks faults, including lack of appropriate action. Thank you in advance for your assistance ; I am very grateful for your services and the solution you can provide to hold Chase Bank accountable. ... .... On XX/XX/XXXX I ordered and paid in full for a tailored traditional XXXX shirt in the XXXX of XXXX, XXXX. I made the payment with my Chase credit card for a total of {$110.00}. The agreement is that the person the shirt would be made for would send their measurements and then have final adjustments and pick up the shirt in a couple weeks time. A couple of weeks later the tailor had not been in touch and it was impossible to get in touch with the tailor because all of his means of communication were not working. On XX/XX/XXXX, I proceeded to call Chase Bank ( hereinafter Chase ) customer service to report a fraudulent charge because I had not received the promised tailored shirt and was unable to get in touch with the merchant. Chase response was to cancel the charge and look into the matter. The charge was registered on my XX/XX/XXXX Chase statement ( see Annex XXXX ). *See also XXXX XXXX, email to merchant XXXX XXXX regarding the missing tailored shirt. Subsequently the tailor, XXXX XXXX, who represents merchant XXXX XXXX was able to get in touch with me to inquire why he had not been paid. I explained he never followed up and it had been impossible to get in touch, thus I had canceled the charge made to my credit card. He apologized and agreed no further transaction would be made. I assumed the issue was concluded. However, on XX/XX/XXXX, I reviewed my XX/XX/XXXX Chase statement ( see Annex XXXX ) and to my surprise was being charged {$110.00} for the tailored shirt I never received and which was confirmed by the tailor. I reviewed my online account because I had not been mailed a notification, and saw that there was a Chase letter dated XX/XX/XXXX ( see Annex XXXX ) informing me that I needed to make a payment for {$110.00} because they had deemed the disputed charge valid. The content of the XX/XX/XXXX, letter included the following text ( see attached document ). However, the statements made by Chase in the XX/XX/XXXX letter were false. First, Chase never contacted the merchant, whom I subsequently spoke to on XX/XX/XXXX confirming this matter. Instead, they contacted XXXX XXXX, a digital and commerce platform, who knew nothing of the matter. Second, as previously explained I never received the merchandise and the tailor did not make this product available to me for pickup, he did not even produce it. This is proven in the same letter that includes an image of my signature and of making the payment. Nowhere does it say that I received the payment or that the item was available for pickup at a specified later date. Furthermore, Chase superseded the allowed XXXX billing cycles to finish looking into the dispute. I should have received a notification in the XX/XX/XXXX statement. As briefly mentioned, on XX/XX/XXXX after receiving news that I was being charged for a product I never received I called the merchant via the phone number he had used to previously contact me. I explained what had happened and asked if he had received payment for the tailored shirt. The merchant confirmed he had not heard from XXXX XXXX and had received no payment. Immediately on XX/XX/XXXX I called Chase to resolve the matter. Customer service informed me they could not help me via phone and that it was necessary that I submit a letter to dispute the claim. I wrote and uploaded an appeal the letter to Chase on XX/XX/XXXX ( see Annex XXXX ). I stated in the appeal letter that the merchant acknowledged that he did not complete the order and that Chase could confirm this fact with him. Chase acknowledged receipt of my letter via an electronic letter on XX/XX/XXXX ( see Annex XXXX ). On XX/XX/XXXX, I was able to get in touch with the merchant again, the merchant sent me a written statement confirming he has not received payment for the tailored shirt and that he never made a delivery to me ( see name in Annex ) of a tailored shirt ( see Annex XXXX ). I uploaded the letter the same day with the necessary claim information regarding the dispute at hand. Nevertheless, despite a written statement from the merchant himself on XX/XX/XXXX and my confirmation in the XX/XX/XXXX letter Chase responded on XX/XX/XXXX ( see Annex XXXX ) confirming the transaction as valid, that no billing error had occurred, and I was obligated to pay {$110.00} for a product I never received. **It is important to note that Chase did not provide this letter electronically only via mail and that I received this letter on XX/XX/XXXX. On XX/XX/XXXX, when I received the letter, I immediately called the number provided in the letter ( XXXX ). I was assisted by a female representative who did not provide me with her name. The representative reviewed the paperwork and confirmed that although I did not receive the product, confirmed by the merchant, and despite the merchant receiving no money, that it was no longer relevant because too much time had passed and thus, I could not be reimbursed. I pointed out that a lengthy period of time had passed due to Chases delay. However, she said Chase would take no responsibility for their delay and that my only choice was to contact XXXX XXXX. I asked about a further appeal and she said there was no recourse mechanism to further appeal and that I had to just pay the money. Concerning the representatives suggestion to contact XXXX XXXX is irrational. I did not conduct business with XXXX XXXX it was with XXXX XXXX and I do not even have their contact information. | ||||||
| 08/26/2019 | Yes |
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| This complaint is in regards to my recent complaint of XX/XX/2019. Since that case was closed, I must report a new one. At that time, the outcome was that Chase bank gave me a temporary reversal of the {$120.00}. I had a big feeling they gave me a temporary reversal only to address my complaint to the CFPB. And my feelings were correct. Now it seems that Chase is acting just as crooked as the thieves who initially used my debit card fraudulently. Today, I checked my account and saw Chase took back the {$120.00}. I'm not sure what games they're playing but I will not let this go. I will NOT let the criminals that used my card fraudulently NOR Chase that is obviously on their side get away with this! I will go public with this in Consumer Finance. This is completely unjust! The only resolution I will accept is the {$120.00} returned to my account permanently, not temporarily. Permanently. Original complaint of XX/XX/XXXX : On the eve of XX/XX/2019, I received a text message ( attached ) from my bank, Chase, alerting me of fraud suspicion of {$200.00}. I was walking my dog so I didn't have my purse with me at the time ( which I failed to say to the bank initially ). I checked my account through my cell phone and noticed the following charges through my debit card ending in XXXX : XXXX {$120.00} XXXX*XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX by online or phone XXXX*XXXX XXXX {$.00} Realizing those charges were not made by me, I called my bank right away and let them know they send me a fraud alert and that I did not make those transactions. The claims representative on the phone mentioned that we were being recorded and asked me a few questions including if the card ending in XXXX was mine, if those specific charges were mine and if I still had the card. I sincerely thought that the card was still in my purse at home. I called the bank while I was still out because I needed the bank to cancel my card immediately before they made more purchases. I was naturally upset at the time. So the bank cancelled the card and issued me a new one, which I'd later receive in the mail. They said they would reverse the charges temporarily pending an investigation, which they did. When I got home I checked my wallet and saw my card was actually gone. I thought back to when I last used it, which was at XXXXXXXX XXXX XXXX earlier and figured I had left it there. I didn't call the bank again because I had already called them to cancel the card and they had reversed the charges. I also realized after further research that the XXXX charge was indeed made with my debit card. I never use my debit card at XXXX. I use my XXXX XXXX XXXX for the discounts plus 5 % off my bill every time, hence an incentive for never using my debit card ending in XXXX at XXXX. On the morning of XX/XX/2019, I checked my account and noticed that the {$150.00} charge for that XXXX XXXX app was back. I called the bank ( they stated were were being recorded ) and they said that charge just posted to the acct because it had been still " pending '' and it posted on XX/XX/XXXX. I asked why did it go through if I had previously called to report fraud and they cancelled my card. I said it didn't make sense they would allow the charge to stick if it was still pending and it was fraudulent. They didn't really answer the question and just worked on reversing the charge again, which they did a couple days later. They also asked at that time if by chance I still had the physical card and I told them I actually didn't, even though I thought I had Initially. I corrected myself at that time and reported I DID NOT HAVE THE CARD INITIALLY WHEN THE CHARGES WERE MADE on XXXX. They said they made the notation ( not to mention we were being recorded! ). On XX/XX/2019, while checking my account online ( which I have been monitoring regularly ), I noticed a " XXXX Reverted '' charge for {$120.00}, recognizing right away it was that original fraudulent XXXX charge that was done with my stolen debit card on XX/XX/XXXX. Again I called the bank right away and the claims representative told me the investigation concluded that since the physical debit card was used and the chip was read, and because of the fact that I had responded when I originally reported the card that I still had the card, it was declared not being fraud because I had used it myself. This was based on notes and recording from the original report. I told the claims rep that this was corrected less than 2 days later when I called back to report a discrepancy. I was told at that time that I was being recorded and what I said was being noted, yet that was not taken into consideration in the investigation?? The claims rep began arguing with me basically reiterating his notes over and over. I asked to speak to a manager and he refused. He said the investigation was still open and he would note all I was stating in the system but that the reverted charge would remain for now. And to feel free to call for an update in a few days. The following day I called for an update and another claims rep told me the exact same thing the previous rep said about the investigation results. I told him I already new that and I asked him for an update since then from the previous rep notes and he said there weren't any other notes and that he could only speak for himself. At this point I'm definitely getting the run around and feel like I'm getting swindled by my own bank. I asked him if that meant that since this charge was sticking, that the other fraudulent charges would be reverted as well and he said it was a big possibility and that he couldn't do anything about it. But that the investigation was still open. I told him all they had to do was ask XXXX for surveillance footage of the transaction time and they'd have the true culprit for all the charges. Because all the charges were made during the same timeline of approx 2 hours. And only the XXXX charge was reverted? That made no sense since it was the same case! I asked the rep I'd like to speak to a manager and he didn't pass me through simply stating there wasn't anything anyone could do since the investigation was done by a separate investigation unit. How bogus does that sound?! At this point I feel extremely defeated and let down by my own bank. An institution that should be on my side as their customer and instead is on the side of the criminal letting them get away with their crime, having all the clear evidence they need. This is why I am making this report in hope 's of bringing some justice to the inept Chase fraud investigations. I would like my {$120.00} returned to my checking account, as well as the {$150.00} and {$.00} amounts staying in my account and case being closed. | ||||||
| 05/21/2018 | Yes |
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| CHASE allowed my wife to open two credit cards in my name, a CHASE Slate card ( opened XX/XX/XXXX ) and an XXXX card ( opened XX/XX/XXXX through CHASE ). I knew of neither one of these cards that were opened fraudulently in my name, using my personal information. I am currently going through a divorce, and I discovered the fraud after checking my credit score on XXXX XXXX in XX/XX/XXXX, and my wife admitted to defrauding me. My divorce lawyer advised me to request the statements from when my wife opened up both cards, and to start paying on the credit cards now that I know about them. I've done as my lawyer advised ; in the meantime, I informed CHASE of all of this, and they have done nothing to do right by me. They have instead chosen to victimize me further. I also have great concern with XXXX and request they right this wrong as well as CHASE. The following is the last attempt of many letters and phone calls to CHASE where I have tried to reach out and resolve this issue with a fair solution for both CHASE and me. It is XX/XX/XXXX and CHASE Fraud department told me they are not going to do anything to fix the situation where they allowed me to be defrauded. XX/XX/XXXX Dear CHASE, Please see the enclosed copies of the letter you sent me. You state : We submitted information to the following credit reporting agencies on XX/XX/XXXX noting the accounts [ # # # # & # # # # ] should be deleted and requesting an update to your credit report. Thank you for this action ; however, I have two questions Why did you open up the # # # # CHASE XXXX card in my name after closing the fraudulent # # # # that was in my name? Also, CHASE did the same with the XXXX card # # # #, which was originally opened up fraudulently as # # # #. When I talked with CHASE Fraud in XX/XX/XXXX, I had the cards closed and I strongly objected to your process of opening and issuing new cards. I was told, You dont really have a choice. I believe I did, and doand as a result of your absurd process of opening new cards, you have not only issued me an unwanted new card, but you have also issued a new card to the very person who defrauded me ( My soon to be ex-wife ). I explained all of this, and still you insisted on issuing these cards. Thats disgusting, and once again, CHASE has behaved unethically and recklessly toward me. I never opened a credit card to begin withmy soon to be ex didwithout my knowledge, using my personal information, and continuing to charge away while I didnt even know a card existed. Two, in fact, counting the XXXX card that CHASE has enabled. Can you defend any of this? The business practices and fraud mitigation CHASE follow are clearly hurting me and others. What is going on here? Im not even your credit card customer. How can I be when I didnt sign up, had no knowledge of the cards, and my soon-to-be ex admittedly defrauded me? Note the photocopy in this letter that displays the two new # # # # cards one issued to the defrauder, my soon-to-be ex. This is outrageous of CHASE to have done, and there is no defense for this. You have put me at risk and compromised my financial well-being AGAIN. I repeat you sent the person who defrauded me another credit card after I told you I DID NOT want you to open any more cards in my name. When I first learned of what my wife had done a few years agothe fraud that CHASE allowed her to commit, I immediately called CHASE Fraud, and consulted my lawyer. My attorney said to request all of the statements from when she first opened the cards up to today, and then to pay the monthly balance. This is in hope that in court it will be determined that she is responsible for these charges, not meand rightly so, as I did not open the accountshe did, defrauding me, obviously without my knowledge of the existence of any cards. She also hid any statements from my joint account, and obviously the CHASE statements, which were on an online CHASE account she created ( which I now have access to, but obviously did not the last few yearshow could I? I didnt know the cards existed ). I would like you to send me a letter stating that I am not responsible for the cards # # # # & # # # #, nor the new CHASE Slate cards. I would also like the letter to state that I never signed up for the cards, and that I owe nothing on the balance of these cards. In light of your first blunder that damaged an innocent person ( not even a credit card customer of yours ), and in light of your second blunder that issued the person who defrauded me a new credit card, I would like you to formally state that I am not responsible for the cards because I never signed up for them ; I was defrauded. I would like the statement to state my name and that I owe nothing on any of these cards. I would like XXXX to be informed of all of this as well, and would like them to be involved in fixing this error that has damaged me. Mine is a sound demand based on CHASEs legal and ethical negligence in my situation. Based on the whole blunder to begin with, and the subsequent blunder by CHASE to issue a new card to the very person who defrauded me, my requirement is for you to send me a letter stating all that Ive now requested in this letter. Let me explicitly state it one last time : I would like you to send me a letter stating that I am not responsible for the cards # # # # & # # # #, nor the new cards issued that they represent, # # # # and # # # # on behalf of XXXX through CHASE. I would also like the letter to state that I never signed up for the cards, and that I owe nothing on the balance of these cards, and I want sent to me a statement with a XXXX balance next to my name. And then I want CHASE credit card services to contact the credit bureaus and inform them that the two CHASE credit cards were opened up fraudulently in my name, that I am not responsible for them, and that they be removed from my credit file and my credit reports. I want this done because CHASE and my wife damaged my financial health. I am a person who never opened credit cards in the first place, did not know they had been opened in my name, and who remained a victim of CHASE, unbeknownst to me, for years. I have asked my lawyer if CHASEs blunder of sending the person who defrauded me a new card entitles me to some legal recourse, and if so, I intend to pursue that should CHASE take no action to absolve me of all owed on all cards ( of which I had nothing to do with in the first place ). I have already tried working with CHASE and their fraud department, only to be victimized again. I ask again that CHASE honor my requirements to erase the fraudulent debt in my name and to request that the credit bureaus recognize this fraud and remove it from my credit file and report. | ||||||
| 03/07/2019 | Yes |
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| On XX/XX/2019 I opened up a checking and savings account with Chase Bank. Upon successfully setting up my new accounts, I registered on Chase 's website for access to the online banking portal. While I was logged into my Chase online banking, I noticed a section titled " Just For You '' and clicking on it lead me to a page that displayed advertising for a Chase credit card product. The banner said, " You are prequalified for this card offer '' and the product it was referring to was the Chase Freedom Unlimited credit card. Upon clicking the link to see the offer details, the terms and conditions stated that this is a pre-approved offer based on my credit profile and that final approval is dependent on my credit report meeting Chase 's criteria for approval. I am relatively new to applying for my own credit card, but my research indicated that the Chase Freedom Unlimited card was a good product with favorable reviews, so I decided to accept the offer. Upon entering the requested information, I submitted my acceptance of the pre-approved offer and was instantly greeted with a " You have been approved '' notification. My credit monitoring service alerted me that Chase pulled my XXXX credit report the same day on XX/XX/XXXX. After I had received my Chase debit card and conducted a few banking transactions, I had logged into my Chase online banking account and once again found another offer under the " Just For You '' section. This advertising was the same as before citing " You are prequalified for this card offer '' but showed a different product, it was for the Chase Sapphire Preferred credit card. Upon clicking into the details for the offer, once again it confirmed that I was pre-approved for the account and that approval would be dependent on my credit report meeting Chase 's criteria for approval. My research into the Chase credit cards confirmed that this was an excellent product to have and the added bonus of the XXXX points after meeting spending requirements convinced me to accept the offer for this product as well. Upon providing the information requested and submitted the application button, I was excited to see that I was once again approved for the account. I received another notification from XXXX that Chase had pulled my credit report on XX/XX/XXXX, the same day. I was excited that I was a now a cardholder of two excellent credit cards available on the market. I had not even received my first credit card yet, when I was notified by XXXX that Chase had pulled my credit report again On XX/XX/XXXX for the 3rd time without me applying for another credit product. Upon checking my Chase online banking I saw that my newly approved credit card accounts with Chase had been marked with a closed status. I called Chase and spoke to a rep who informed me of the reasons for closure, citing that I did not have enough credit history and that was the reason for closure. I requested for a review for reinstatement because it did not make sense for Chase to advertise to me and to give me a pre-approved offer and then close my accounts after the fact that they had approved me. I told the Chase rep that I had just started banking there, and that I applied for those two credit cards because Chase offered it to me. The rep submitted my accounts for a review for reinstatement and told me I had to wait 10 days for the outcome of the review. A few days later, I received a phone call from a Chase rep from the lending department, and the rep informed me that a review of my account for reinstatement has been denied due to the fact that I had limited credit history. I explained to the rep that it is true that I am new to applying for credit, but I applied because Chase was the one that offered me the products and advertised it to me as a preapproved offer. I explained that Chase already knew about my credit profile and had my credit report when it decided to approve my application, and that it wasn't right for Chase to approve me and then subsequently close my accounts citing reasons that they already knew when they approved my application. The rep explained to me that the Chase lending department that closed my account is not the same department that handles account approvals, and said that it is unfortunate that the department that handles approvals is separate from the department that decided to close my account and that there is nothing they can do and my review for reinstatement was denied. After contemplating this issue for awhile and doing some research online, I was able to find several sources indicating that Chase Bank has been shutting down the credit card accounts of several credit card super users, who are defined as savy credit card users who apply for several credit cards to take advantage of signup offers and bonuses and then close the cards before applying again. I am not a credit card churner, and I am not trying to signup for credit cards to game the system to reap rewards and then close the accounts to try to obtain more bonuses. I am just beginning on my credit journey, and I think Chase has mistakenly flagged my accounts and shut my accounts down for reasons that ridiculous and unreasonable. Chase offered the credit card products to me to begin with, and I was not specifically looking to obtain the products offered prior to Chase 's product advertising. My applications were approved by Chase, and Chase was aware of my credit status when it approved me. To close my account citing reasons that Chase already knew about, is unreasonable and unfair. Not only is the closure of my new accounts unreasonable, it is more detrimental to my credit health than if Chase were to just deny my application in the first place. The unreasonable closure of my newly approved Chase credit cards will forfeit my opportunity to receive the signup bonus offers that were advertised and will prevent me from receiving the bonus offers for 2 years. Not only that, but now I will have 2 newly closed credit accounts that I never had the opportunity to even use that those closed accounts are being remarked as closed by credit grantor, which can negatively impact my future relationships with other lenders. I want Chase to reinstatement my accounts, because I deserve a chance to build my credit history after being targeted by Chase 's enticing advertising and being given a pre-approved offer. I assert that I haven't done anything wrong, and I haven't demonstrated being any more high risk than I was when Chase approved my new credit card accounts. Chase has demonstrated extremely predatory lending practices that have been detrimental to my credit health, and I'm sure this is all a misunderstanding or due to an error, but Chase has yet to rectify the issue. | ||||||
| 09/03/2020 | Yes |
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| Hello, I have been trying to dispute two charges with my Chase credit card and the merchant since XXXX as you can see below. I have included my communications with Chase and the merchant below. I disputed two charges for ferry tickets in XXXX. I had to cancel my trip due to the pandemic and the merchant and Chase don't want to refund me for the charges. Chase ultimately agreed with my supporting documentation below and told me they would have refunded me the charges since the new XXXX government mandate ( stating they didn't have to refund customers due to the pandemic ) didn't come into effect until after I cancelled my trip except that they can't give me a refund because it is past the dispute deadline on their end. Chase claims that they sent me a letter stating that I needed to send the supporting documentation by XX/XX/XXXX, however, I never received that letter. I had also tried to call Chase multiple times since XXXX to resolve this and they never communicated anything about a deadline to me and kept telling me they couldn't help me. Hello, My name is XXXX XXXX and I am writing because I don't agree with Chase 's previous validation and would like to redispute the following charges : XX/XX/XXXX XXXX XXXX {$140.00} See details about this transaction XX/XX/XXXX XXXX XXXX {$170.00} See details about this transaction I have provided documentation below. It is extremely clear based on the information below that I am due for a full refund. I purchased ferry tickets for my XXXX vacation in XX/XX/XXXX. In XXXX, I sent the merchant the below email letting them know that I needed to cancel the tickets due to not being able to travel to XXXX because of the global pandemic. When I purchased the tickets in XXXX, their terms and conditions which I have also copied and highlighted below clearly stated that I could get a full refund if I cancelled 14 days before my trip ( my trip was in late XXXX so when I cancelled XX/XX/XXXX that was well before the cancellation deadline ). As a fairly new Chase customer, I am disappointed with Chase that I am having to go through all this hassle to redispute something that should have been decided in my favor from the beginning. I have spent hours on the phone with Chase and now I am having to take time out of my work schedule to write all this information to redispute this issue. I am not asking for more than I am due, I am just asking for Chase to do what is right in this situation. I clearly agreed to XXXX XXXX XXXX when I purchased my tickets and the merchant changed the XXXX XXXX XXXX AFTER the fact and tried to apply their new XXXX XXXX XXXXXXXX retroactively. That is unheard of. From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Fwd : Dear XXXX XXXX Your Reservation Information Hello , I hope you are well. I need to cancel this reservation as I won't be able to travel to XXXX due to COVID-19. Please let me know what other information you may need to process my cancellation request. Thank you, XXXX XXXX XXXX XXXX XXXX : - IMPORTANT TRAVEL INFORMATION / COVID-19 PANDEMIC : Taking into consideration the emerging circumstances occurred because of the COVID-19 Pandemic, XXXX XXXX XXXX company provides you with the ability to convert your tickets into a Credit Voucher, which can be replaced with new tickets for a later date to any destination operated by XXXX XXXX XXXX company without an additional charge. Credit vouchers are valid for any route of your preference operated by XXXX XXXX XXXX company until the XXXX of XX/XX/XXXX. All tickets must be replaced into one booking / transaction and on the same accommodation type, without an additional charge and you may notify us as soon as you are sure of the new travel dates. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Up to 14 days before departure : 100 % refund or change to open date ticket. - From 14 days up to 6 days before departure : 75 % refund or change to open date ticket. - From 6 days up to 12 hours before departure : 50 % cancellation fee. - Tickets can not been cancelled or changed to open date after vessels departure. XXXX XXXX XXXX - IMPORTANT TRAVEL INFORMATION / COVID-19 PANDEMIC : Taking into consideration the emerging circumstances occurred because of the COVID-19 Pandemic, XXXX company provides you with the ability to convert your tickets into a Credit Voucher, which can be replaced with new tickets for a later date to any destination operated by XXXX company without an additional charge. This option applies to anyone who has purchased tickets up until the XXXX of XX/XX/XXXX, whether or not the trip has been cancelled. Credit vouchers are valid for any route of your preference operated by XXXX company until the XXXX of XX/XX/XXXX. All tickets must be replaced into one booking / transaction and on the same accommodation type, without an additional charge and you may notify us as soon as you are sure of the new travel dates. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Up to 14 days before departure : 100 % refund - Up to 7 days before departure : 75 % refund - Up to 12 hours before departure : 50 % refund - For cancellations made in less than 12 hours before the departure no refund can be made. - Tickets can also be converted to open date tickets ( open ) at least 24 hours before departure. Open date tickets can be replaced with another date tickets for any route subject to availability ( valid for one year and it can not be canceled, the fare is non-refundable ). Here are the new terms they included well AFTER I purchased my tickets. Even if you could apply new XXXX XXXX XXXX retroactively, their new terms state that they come into force on XX/XX/XXXX and I cancelled XX/XX/XXXX. This is just so wrong at every single level I can think of and I am beside myself that I am having to spend this much time arguing this. Thank you. XXXX : XXXX IMPORTANT TRAVEL INFORMATION / COVID-19 PANDEMIC : We should inform the passengers that, in accordance with the Act of Legislative Content ( Measures to address the ongoing consequences of the COVID-19 pandemic ), published in the XXXX XXXX XXXX XXXX, the provisions of Article 65 ( Refunds from XXXX XXXX cancellations ) come into force as of Wednesday XX/XX/XXXX and therefore the Companys cancellation policy is modified as follows : - Passengers with tickets for travel until XX/XX/XXXX who can not travel due to travel restrictions, or who do not wish to travel due to uncertainty because of the pandemic or due to cancellation of their scheduled sailings, must convert their tickets to open date tickets. | ||||||
| 10/06/2022 | Yes |
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Web | Older American |
| XXXX Hello Chase, I spoke to XXXX in the executive office on Friday and he requested I resubmit all documentation regarding this dispute. We recently stayed at XXXX XXXX XXXX XXXX XXXX at first we thought it was a lovely place then we went to the casino one night after being encouraged to go by your staff at one of the restaurants which is very interesting because come to find out the Casino is not affiliated with the hotel, after being advertised on XXXX XXXX Info and multiple signs throughout resort and I cant understand to this day why you would want to subject your guests to what happens over there-we were drugged, we experienced criminal fraud with our credit cards in excess of {$50000.00}, believe we were impersonated on the phone to our credit card companies, they verified charges on the casino phone and we received nothing in return for this no cash, no goods or services and interesting enough the casino comes up on the credit card as a grocery store. We were threatened and had our cards taken out of our possession. The cards were taken from our person, actually demanded with no other option then {$50000.00} plus in cash advances were taken on our credit cards. We were under duress..We are in another country, dont speak the language, surrounded by security with no option to leave. We were under duress! Further note neither one of us have ever used the cash advance option. I have had all of my accounts at Chase for over 20 years and this is not a part of my financial history ever. I beg you to review. The casino staff demanded our credit cards, this is when everything changedwe were surrounded by casino security that was armed and they acted as if we were getting ready to leave and owed millions to them when all we were trying to do was an ATM withdraw, we were scared for our livesafter our cards were taken, there were two XXXX ladies, who spoke no English behind a counter calling and making the charges and they continually tried to charge our cards for various amounts that we were unaware of and definitely not aware that they were cash advances to top it off.. I am now realizing that is why the ATM didnt work when we tried to withdraw $ XXXX {$50000.00}. Conveniently there was one tall bald gentleman that was quite a talker and spoke fluent English. I have called the casino only to be hung up on and told that I needed to visit the casino in person to resolve this. We were also told while staying at the hotel by one of the service staff that the casino is run by criminals and they exploit Americans all the time, perhaps that is why the hotel doesnt let any of the guests know that its not part of hotel and its conveniently located right next to it, passing out {$25.00} wooden chips and {$10.00} paper vouchers to lure you in and drug guests.ever heard of devils breath, it is commonly used in situations like this. We now believe it was on vouchers and wooden chips to alter us without knowing as they were handed to us as we attempted to pass by. See attachment XXXX. We ordered 1 drink in casino, again we thought we were on hotel property, as we never had any intentions of leaving property for safety reasons throughout trip. A service person at hotel confirmed this & made us promise not to tell for the safety of them and their family as well as ourselves.and suggested we report in US. Which is why we did not alert the general manager or the police when we woke up Thursday, XX/XX/2022 and realized we had been assaulted by the casino staff, which at this time we still believed the casino was part of the XXXX XXXX XXXX. We immediately started calling our credit cards and found out charges in various amounts in excess of $ XXXX.this was our last day. That evening prior to our am departure our hotel suite power was on at XXXX and at around XXXX there was none and earlier in the evening we were unable to enter room with keys. While at the airport going thru security my husband and I were very abruptly separatedI was taken out of line with zero knowledge to what was happening. Passengers in line allowed my husband to advance in line..I was taken to another area where I was detained and bags searched. All of this seems extremely coincidental. I have reached out to XXXX complaints with no help and have called and emailed the corporate office. We have reached out to all of our credit cards. I have also made a report with the US Embassy, that was zero help and they recommended we return to XXXX to make a police report, which you have been requesting and we have complied. We have attempted to make a police report to XXXX XXXX Police only to be hung up on. We have reported to our state politicians, FTC and FBIXXXX, and we have reported this to XXXX XXXX XXXX at the FBI in XXXX, Illinois, Attorney General and the US Department of Tourism and various victim groups. There discrepancies regarding the details of case. We have been working on this since XX/XX/2022 and every time we call we are told something different, they cant find any info and it seems to be a moving target. We have sent in call logs from XXXX XXXX XXXX, FBI Report, XXXX Police Report ( which XXXX indicated on a voicemail that this was needed to assist in the denial reversal ) US Embassy and XXXX Correspondenceeverything you have requested we have complied in a timely manner. We were told that I didnt report to Chase until XX/XX/2022 I have attached XXXX XXXX XXXX XXXX log that shows were I set up original dispute. I was also told it should not of been set-up as a fraud case but as a dispute. We followed the direction of Chase and now are being told it was set up wrong. Furthermore, I was told that my phone XXXX confirmed the charge of {$8000.00} when in fact I didnt even have my phone on my person that evening. Then on Friday, XX/XX/2022 I am told by XXXX that it was confirmed by another phone number not related to either mine or my husbands phone numbersexcept it was indicated it was my voice? The discrepancies just keep going. I have also attached phone records that show I didnt confirm any charge the evening of XX/XX/2022. Lastly, the call I received on Friday, XX/XX/2022 from your specialist that the denied case the 1st time, who didnt even have the facts correct, who showed no empathy as stated by XXXX..however I feel strongly that it was discrimination. I would appreciate a scheduled call back appointment at XXXX. We are requesting the charges be completely 100 % reversed including transaction fees, interest and any charges. Thank you, XXXX XXXX and XXXX XXXX Included Attachments : XXXX XXXX XXXX XXXX Log XX/XX/2022 Page XXXX of XXXX XXXX XXXX Police Report FBI XXXX Report FBI Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/29/2022 | Yes |
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| Complaint and Claim against Chase Credit Cards On Tuesday, XX/XX/XXXX, I called XXXX, which I found from XXXX searches for " how to retrieve disabled XXXX accounts. '' XXXX XXXX answered my call, asking for my email address, home phone number, cell phone, and street address. After a short silence, XXXX said that he found five hackers located in three states : CA, OH, and TX, and two countries : XXXX and XXXX, who had hijacked my XXXX account, that his team of tech specialists had removed CA and OH, but they would need more tools to defeat them. So, he instructed me to purchase two {$100.00} XXXX XXXX XXXX XXXX from a local tech store, like XXXX Superstore or XXXX XXXX, if I wanted to have my disabled XXXX account recovered by his team, who would use the cards to purchase additional tools to recover it. XXXX assured me that XXXX 's security system was flawed, thereby allowing hackers to hijack many XXXX accounts and use them for human trafficking, illegal drug distribution, and even for hacking into some XXXX account owners ' bank accounts to steal all the money therein. XXXX hired him, he added, citing badge XXXX XXXX XXXXXXXX, and his team, to recover these disabled accounts. He promised he would refund me the {$200.00} once my account was recovered. Being in a desperate state of mind to have my disabled XXXX account reinstated as soon as possible, I went on to purchase the {$200.00} worth of XXXX XXXX XXXX XXXX from XXXX XXXX by using my Chase credit card and then read to XXXX the numbers on the two XXXX XXXX. Promptly, he promised to start the process of recovering my disabled XXXX account and gave me his direct phone number, XXXX, for a follow-up call. Shortly later, I dialed it twice, only heard " Text mail subscriber is not available. Leave a message. '' I left two messages but received no return calls. The next day, Wednesday, XX/XX/XXXX, I re-dialed the direct number. XXXX answered, saying that, after having used my XXXX Cards to get the necessary tools, his team was able to remove the TX hackers, he would now need one {$500.00} XXXX XXXX XXXX to purchase more powerful tools to defeat sophisticated hackers in XXXX and XXXX while urging me to purchase the above card ASAP before the remaining hackers realized that his team was going to apply the XXXX XXXX system to defeat them. In reply, I told him Id need a few days to think about his new need. And I have never called him again. On the evening of XX/XX/XXXX, I called XXXX and reported the above fraudulent incident to Chase credit cards. Having gathered all the necessary information from me, the staff concerned assured me that I was a victim of a scammer, that a credit of {$200.00} had been temporarily posted to my account, and that, once I submitted to them a Police Report, the already credited amount would become permanent. In fact, the {$200.00} credited amount did show up on my subsequent monthly statements. On XX/XX/XXXX, having obtained a Police Report, written under Complaint/Incident # XXXX, by Officer Runkles, XXXX # XXXX, Contact Phone # XXXX, I called Chase cards to give them the required police information so they could convert the posted {$200.00} credit into a permanent one as promised. However, Chase cards staff summarily informed me that no Police Report was needed, that they were in the process of collecting input from XXXX XXXX, and that, if anything else was needed, I would be notified. All of a sudden, around XX/XX/XXXX, I received a mailed update of XX/XX/XXXX from Chase cards, saying We consider the disputed charge ( s ) valid, and adding, You disputed the charge ( s ) because you believed the merchant didnt provide the services you purchased. Astonished, insulted, and infuriated, I called Chase cards, objecting to the absolutely misleading and incorrect update, while making reference to my earlier XX/XX/XXXX call to them, and challenging them to listen to its recorded conversation, wherein I had explicitly recounted the scamming incident, in which the merchant, XXXX XXXX, was not my reported scammer at all. Chase cards conveniently ignored my challenge. Having blatantly thrown away their promises made on XX/XX/XXXX, I explicitly informed them that they had turned me into a victim of their newly created scamming scheme. Thenceforth, Chase cards began to play a game that passed me back and forth several times in my calls like a ball between their disputed and fraud departments in an apparent attempt to wear me down so I could give up my months-long credited {$200.00}, which was suddenly and blatantly removed later with apparent arbitrariness and caprice. On XX/XX/XXXX, I called Chase cards and spoke with XXXX XXXX, Account Supervisor, who offered to settle my case with a {$100.00} courtesy credit, which I neither declined nor accepted. He assured me that his offer had no expiration date. On XX/XX/XXXX, I called Chase cards, speaking with XXXX, XXXX, XXXX, and XXXX, prior to eventually reaching an Account Supervisor, who said his name was XXXX. He arrogantly offered to process the existing {$100.00} courtesy credit if I agreed to accept it as a settlement based on their manufactured incident that I had accused XXXX XXXX of being a scammer. Having considered the latest twisted position of Chase cards, I find that, had I yielded to and accepted their manufactured incident, I would be participating in an obvious falsehood, which, by default, would be contradicting with and nullifying the truthful accounts, which I shared with them in my call to them on XX/XX/XXXX, and which I subsequently reported to the Police. Whereas Chase cards : ( 1 ) had actually credited for months on my account the legitimate {$200.00} credit following my phone report to them on XX/XX/XXXX of the above incident, which they already determined as a scam ; ( 2 ) never disputed or made any comments referencing my phone report on XX/XX/XXXX concerning the scamming incident ; ( 3 ) steadfastly refused to acknowledge a completed Police Report, which they originally required, in spite of my repeated phone calls to give it to them ; ( 4 ) blatantly removed my months-long legitimate {$200.00} credit all with apparent arbitrariness and caprice ; and, ( 5 ) dishonestly manufactured an untrue incident that introduced XXXX XXXX as a tool to unlawfully coerce me to eventually accept their scamming offer of a {$100.00} courtesy credit to settle my case, I hereby stand firm on my complaint and claim to have Chase cards recredited the legitimate {$200.00} on my credit card account. May I request that Chase cards contact me via XXXX only? Thank you so much. I am certainly grateful for your time and consideration on this matter. Respectfully, XXXX XXXX | ||||||
| 12/13/2017 | Yes |
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Web | Servicemember |
| In XXXX of XXXX, i noticed that there was fraudulent activity in my account. I noticed that funds were in my account ( chase bank checking ) for the amount of {$1400.00} ( approximatley ). The money was there because someone claiming to be from ace check cashing deposited a fake check into my account. I never write checks by an explicit rule i set for myself. I never ever have gotten chexks sent to my home. The check was written out to to some kind of pediatric clinic. I do n't even know if its a real company. I have XXXX state insurance, so no need to write any checks to any clinic. I immediatly called chase cuatomer service. They froze my account, for my safety. Between XXXX to XXXX of XXXX, the comprimised account was closed. My new bank account was opened. Later, during that time ( perhaps about a month later ). The funds that i reported to chase ( {$1400.00} ) was in my new account. This was funny to me, because i reported fraudlent activity not by me, with this balance. I told the chase representative over the phone, that the comprimised funds were showing up as available on my new account. I told them that i was calling to report it, because i do n't do fraud of any kind period and do not want to use funds not mine to use. The rep assured me that the funds were mine and available for me to use without penalty. I did n't just take the first reps word for it. So, i called again. The second rep looked up the account and told me the same..that the funds were mine and available to me, as far as chase is concerned. I still did n't believe it. So, i asked to speak with claims. Tge claims rep told me that tge funds were mine, like the repa told me. I took it a step further and asked, '' so if i used these funds, they are legitimately mine and available for me to use? '' She also reassured me that they would not be minusing my account if i do. Yesterday, i had approximatley {$350.00} in my available balance left over from my department of veteran affairs XXXX compensation. I needed to take some money out to take my daughter to school for the rest of the week and pay for our hotel and gifts for the holidays. The teller said my bank account was over drawn in the amount of {$1100.00} ( approximatley ). When i got to a bank teller, at chase bank in downtown berkeley california ( around XXXX XXXX ) the teller said it was because they deducted the account that was credited. They took the rest of my money ( approximatley {$350.00} ) to pay off the money from the {$1400.00} dollar credit they gave me from the old comprised account to the new. When the chase teller called for me from the XXXX XXXX, thwy were rude with him ( chase customer service and refused to help him ). He got on with someone else, but this time put me on the phone so the phone rep could explain the matter. She was very very rude, bullying, and bossy. She actually ridduclued me. She didnt understand that the reason why i called to report to credit in the first place is because i knew the money was from a fraudelent situation committed against me. So, of couse i would never just assume the miney was mine. I told her this is why i called to very with chase way back ... months ago when it first showed up on my new account. She claims she could n't see where i called in ... not once, bit twice about alerting chase to reverse the money out of my account. This is impossible, because ALL calls are recorded and can be traced, even if no one wrote the notes in my account. The phone rep on the, phone i used from XXXX XXXX said that it dosent matter if i called anyway that i was not going to get my money back..there was nothing i or anyone could do about it. Once again, she was rude, abrasive, rough, and insutling. I felt like an XXXX. I feel bullied by this bank and have been having trouble getting my VA XXXX check since XXXX. XXXX was the first month i actually got my direct deposit right. Every month there was an issue. Back in XXXX, i had my funds directed deposited to the new account opened by chase. I didnt not get my compensation when the goverment sent it. I called they said i never had direct deposit with them. Of course, untrue. I 've always had direct depoait with that bank. After bouncing back and forth between them and the VA several times. They finally admitted that probably they just didnt get it. Two days after my direct depoait was suppised to come, i saw my money in my account. I called to find out what happened. They said someone entered the money from the VA as a credit, instead of direct deposit. The chase phone rep said " it was like, someone just went into a bank and placed thevmoney into the account ''. I do not trust this bank. I have been going through different things with them for months now. It seems like they are constantly taking or holding my money. Once i was stuck in las vegas on a family emergency because chase mixed matched my two debit cards to my two premire checking accounts. This was back in XXXX XXXX. I was deducting from one debit card only ... i had sucessfully the whole time. Until one day, it was over drafted. Even though i eas supposed to have {$150.00} ballance. So, there were two checking accounts with two debit cards. The other card was with my daughter and her dad back home in california. So i never used the card linked to the account they were deducting from. Somehow, the accounts were switched. So were the cards. The card i had in XXXX with me, that i was using the whole time, got switched over to tge other account they deducting from were. So it appeated like i was overdrafting the card i had. The other account still had my {$150.00}, but that account was linked to the card my family had at home. My family could n't use that cause i had to my card report that i had on me in vegas lost. In short, they should have cut off the one i had on me when i called and gave them the number to it. They should not have XXXX off the one my family had and could n't use. I didnt have that card on me. So i couldnt have told them to shut it off. They screwed up my accounts and money. They gave me a credit for their mistakes, but took some of it back later, and overdrafted my account. Please stop them. Please help me recover my funds. I need it to take care of my family. I have kids and grandchildren. This us my money i survive off of because, i have servere military related XXXX XXXX and ca n't work. Its the holidays and i wanted not to have my family stay in a shelter for the holidays or my daughter 's birth day comming up. Please helo us. Please stop them. The VA has altered us that chase bank has been getting complaints on by veterans. They ca n't just bully people like this. Thank you so much, in advance for all your help. | ||||||
| 08/11/2023 | Yes |
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| On XX/XX/2023, I reported a transaction of the amount {$750.00} in my Chase Freedom Unlimited Card upon noticing it that same night while in XXXX XXXX, XXXX. The transaction had the merchant listed as " XXXX XXXX XXXX '' and the category of the of the transaction was listed as " Bars, taverns, clubs ''. I have tried searching up the merchant to see if I could find any details in order to fix the issue but upon searching, I was not able to find any actual detail of the said merchant except for some social media profiles of people with the name that was listed on the merchant. This happened abroad in XXXX which also happened to be where I was at the time for 1 day. As a result, I had lack of access to my phone number associated with the account since it did not work in XXXX. So I had to find an online service that allowed me to contact the Fraud Department in order to dispute the charge. I did happen to have my card at the time with me so I did confirm that I infact did have my card and this led to my dispute being under investigation. However, to further back this up, I decided to try to get a police report in XXXX and since I couldn't find any actual formal way of doing this, I asked my hotel front desk for advice on how I could get a police report. They had hired a taxi driver to take me to the nearest police station as well as translate for me in XXXX to the police and explain my situation. Upon discussing the situation with police, I have narrowed one potential place where my card may have been used and it was potentially at 2 coffee shops as I was there earlier that same night outside of my hotel eventually narrowing it 1 coffee shop that was not exactly reputable according to police. However, I affirmed that I did not authorize a charge of {$750.00} and being told a lesser amount and I did not have any exact memories of using my Chase card at the coffee shop as I have mostly been using cash in the places I have been to in XXXX given that many places that I have visited didn't accept card. In fact the only XXXX charge that is even listed in this account or in any of the credit cards that I had in my posession is this transaction. The local police were hesistant about writing a police report and said that it would be of no use to me since it would be in XXXX and were more insistent on trying to go to the suspected shop as to where this has happened as it was possible that my card may have been used without my knowledge. The police even followed up with me later that night outside of the hotel to see a printed paper of the transaction and planned to take action though without giving me a police report. Feeling somewhat reassured, I ended up continuing my travel outside of XXXX the next day, letting the dispute go on. On XX/XX/2023, I received a letter online from Chase that stated that they determined the charge was valid and that I have benefitted from the transaction. At the time I was in the XXXX region in XXXX where the government has geoblocked all foreign numbers due to political and security reasons. I used the same online service to contact the fraud department regarding this issue as I could not access my US phone number. I was given the reasoning that this transaction was a chip read in person or face-to-face as for why the charge was valid. I tried to remember again about the incident that happened 2 months ago as to where I might have used my Chase card to no avail. This dispute ended up being reopened and " in-review '' by the Fraud Recovery Team as well as having been given an email for the team to send out any supporting documents such as a police report. However, the transaction was still rebilled to my account and is still showing up on my latest statement despite the dispute being " in-review ''. For this whole past week I spent time trying to find out how I can file a police report in XXXX and tried to see if I could contact the XXXX XXXX XXXX, the only available contact was a XXXX which I emailed little more than a week ago with no response given. I kept following up with the Fraud Recovery Team to provide more details while also sharing my concerns regarding this dispute as I could not have imagined authorizing what essentially is a quarter of my savings for what appeared to be food and drinks. I have also tried asking Chase for any information as to the merchants contact info which I was not been provided and I even tried to see if there was a receipt by any chance but to no avail could not resolve the issue. As I don't have access to my US phone currently, I was not able to answer any callbacks from the Fraud Recovery Team so I made sure to call the team for any updates incase they needed me to call back which made communication hard. Eventually, it has been agreed that I would be receiving a callback on the XXXX of XXXX. I have however still reached out as recent as today to ask about the fraudalent charge being rebilled in my statement and if I should be concerned with it and was told that not to worry currently as this was still being under financial review and that I could expect a resolution rather than a call back in 4 business days. I was frustrated with the vague and confusing information that has been given to me so I called the corporate office to get in touch with the escalation department about this issue and share my concerns. The escalation department expedited me to the credit customer service to share my concerns where they confirmed the reason for the charge being determined valid was that it was face-to-face. Again trying to remember where this could have happened, I tried to explain my side as well as explain the fact that I would not in anyway have authorized a large amount for what may have been food and drinks. I was told to just wait and to relax for the rest of day instead. While this is technically still ongoing and not resolved within the company side, this has been extremely frustrating for me essentially to be treated as if I I would willingly authorize a quarter of my savings in a country where a few nights in a luxury hotels would still be of a lesser charge than what was listed in the transaction with no way to contact. This is in contrast with experiences that I have with other banks where I had a much less stressful time when anything serious popped up. If any more information is needed, I am willing to expand further. I have attached documents supporting the steps I have personally taken to try to resolve the issue whether it be the contacts I had with my hotel ( XXXX screenshot ), the various calls I had with the fraud department or any other branch of Chase ( XXXX screenshot ), or emailing the police force in XXXX ( XXXX pdf ). | ||||||
| 05/19/2022 | Yes |
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| Chases credit card incompetence is an unfair, deceptive, abusive burden to its customers. It retains and stores voice recognition recordings against my wishes for its own purposes, while violating my privacy and increasing my risk of identity theft and being the target of cyber crime through it. It has repeatedly blocked my recent use of my XXXX XXXX XXXX card because a ship-to and bill-to address are different, with unfair, deceptive, abusive, and generally unreasonable explanations for denying use of the card. It widely advertises the card to be a general purpose credit card, yet repeatedly, unreasonably and habitually, had blocked me from using it. Recently, I tried to order a refrigerator and other items from different retailers, and have them delivered to a site for an apple orchard in rural, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I have been trying to purchase a refrigerator for over a year, have had to contend with rampant fraud on the part of retailers who sell major appliances through their websites, take full payment for them, advertise highly deceptive delivery dates to make the sale, but in truth demand interest free loans in the form of full payments for merchandise that they dont have, do not know when they will have, and keep pushing delivery dates for fully-paid merchandise further and further away by months. No one is doing anything effective about this wide-spread rip off of consumers by major retailers such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and others. In the multi-year context of covid-created, widespread retail and consumer finance fraud, Chase takes the outrageous position that a large, nearly 28 sq. ft. capacity, refrigerator must be delivered to a tiny locked XXXX XXXX at a small, nearly one-room post office XXXX XXXX XXXX XXXX XXXXXXXX ) which is the secured billing address for my card. As the sole alternative, it demands that its bills go to an unsecured location, an unlockable mail receptacle for an apple orchard at the side of a major highway, a mailbox at the side of the road in a rural area that may be run over or hit by trucks frequently, XXXX XXXX XXXX XXXX XXXX with nothing better to do, disrupted by XXXX XXXX XXXX looking for financial information they can run a scam with, or even torn apart by the occasional black bear that wanders through and damaged our orchard trees and destroyed our apiary a few years ago. The habitual denial of advertised services for the card because its billing address differs from the necessary delivery address for merchandise, is absurd and abusive on its face, but also discriminates against people in rural areas with legitimate security concerns that should not be forced to enable or coddle either the self-serving cunning, or the hapless stupidity of Chases credit card divisions, that routinely operate in an unfair, deceptive and abusive manner without consequence. None of this begins to even touch on the poor operational payment software Chase has developed in its online banking portal which requires at least two different payment systems that dont communicate with one another for its XXXX XXXX card and XXXX XXXX XXXX cards, as just one example. Its operational dysfunction and poor payment programming dupe its customers, overly burden them and shift operational expenses to its customers by requiring them to troubleshoot its dysfunctional operations while it continues to escape the clear costs of reasonable working operations. Given that these problems are habitual and wanton, the CFPB, in addition to other remedies, should effectively restrict the number of credit cards Chase is allowed to issue and have at any one time. It should, on a pre-scheduled time table, steadily reduce Chases number of credit card customers, cap it at a certain percentage of the entire market, in perpetuity, but keep reducing it until and unless Chase can get its act together without shifting operational expenses onto its customers. Market share among competing credit card issuers should be awarded in purportion to each issuer 's success at lawfully managing the accounts it has. When an issuer screws up, its market share should be quickly and reliably reduced ; when it is relatively complaint free, its market share should be allowed to expand. An unassigned market share could be held as a potential reward for reasonable, compliant behavior and a certain percentage from reductions in shares should cycle into and out of assignment, as different issuers fail to comply and then comply in good faith to regulatory standards and reasonable use standards. The CFPB also should, in perpetuity, force Chase to continue to pay its customers with double and more rewards points and other credits on its cards as described below. Chase should pay me in double rewards points for each and every charge it rejected because the billing and delivery addresses on merchandise I tried to and will try to buy but am not allowed to for these ridiculous reasons, differ. This should deter arbitrary denials of use of the card from being a means to avoid granting reward points for purchases according to advertised programs. When I use reward points to purchase discounted gift cards, it should also make up for those discounts at double the discount rate. During the pandemic and given prolonged supply problems, I need various tools, construction elements and miscellaneous other items and increasing my ability to purchase them through Chases widely advertised credit card rewards program should be part of its sanction. As long as Chase continues to deny me usage of cards Ive been issued, for unjustified reasons, these remedies, in addition to others, should be applied and escalated and exponentially increased in the face of no or lagging corrections by Chase. Finally, it is long past due the time when Chase should have integrated its payment systems, such that I can pay any and all of my Chase credit cards through its long-standing bill payment system if I chose to do so. The failure of Chase to integrate its payment systems, combined with it not allowing me to pay XXXX XXXX XXXX XXXX Chase XXXX through the same means as the other two, is another absurd and deceptive ruse that is wholley for Chases benefit at the expense of mine, and more than once I have wound up overpaying or missing paying the odd-man-out card ( the XXXX XXXX card ), with adverse impacts on my credit reports. Chase should be made to correct the adverse credit reporting accordingly. Given that I have reported this problem to Chase and the CFPB in the past and that the problem has not been corrected, it is fair to characterize this abuse to customers as flagrant, habitual and willful. | ||||||
| 04/18/2023 | Yes |
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| XX/XX/2023 at XXXX from me - submitted the following question to CHASE : " I recently drew down my account. Is there a monthly fee now that I have a balance of less than {$15000.00}? If so, I would like to close this account. '' XX/XX/2023 at XXXX XXXX from CHASE- Thank you for contacting us. We're sorry you decided to close your account and hope you consider us for your future banking needs. At your request, we'll close your account and return the remaining funds to you by check if any. Here 's what you need to know : - The account will close when there are no pending transactions and there is a XXXX balance. - Please cancel any recurring transactions as soon as you can and set them up on another account. - Make sure your account has enough money to cover any electronic ( ACH ) debit transactions that may appear on your account for the current business day ( 1 ), as well as any previously approved debit card transactions. This could delay when your account closes. - If your account has a positive balance, we'll mail you a check for the remaining funds seven business days after the account is closed. If you recently updated your address, we'll mail it 30 days from the account closure. To receive your money sooner, please visit any of our branches. - If you transfer the funds to another Chase account, they will be available immediately. Here 's what will change starting today : - You won't be able to make purchases with your debit card. - You won't be able to deposit money to your account at the ATM, online, by phone, or at any of our branches. - You won't be able to withdraw or transfer money from your account at ATMs, online or by phone ; you must visit a Chase branch. - We won't make Overdraft Protection transfers, to or from this account, if you are enrolled. - We won't charge monthly service fees or Overdraft Fees to this account. - We won't pay checks written from your account. When the account is closed, you won't be able to : - Access your account activity or statements through chase.com, the Chase Mobile ( R ) app ( 2 ), or Chase by Phone. - Make recurring electronic deposits ( such as Direct Deposit ) and electronic withdrawals ( ACH debits ). - Receive interest on interest-bearing accounts. Thank you for being a Chase customer. We hope you consider us for any future banking needs. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing ( 1 ) '' Business day '' is a weekday that isn't a holiday. If a request to close an account is received on a non-business day, it will be considered received the following business day. ( 2 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. XX/XX/2023 at XXXX from me - " My question was Is there a monthly maintenance fee now that there is less than {$15000.00} in the account? THEN, If so, please close the account. You didn't answer the first question. So I'm assuming that there's a fee when the balance is less than {$15000.00}. Is that assumption correct? If there is no monthly maintenance fee, I'll keep the savings account open and build it back up. '' XX/XX/2023 at XXXX from CHASE We thank you for writing to us about the XXXX XXXX XXXX on the savings account. I'll be glad to review your inquiry. We regret for any inconvenience caused based on the previous email response. Please know that we do not offer any no-fee account. Every account that we offer has a Monthly Service Fee. Depending on the account you have, we offer different requirements to help waive the fee. You have our Chase Premier Savings account. The {$15000.00} balance requirement is a daily beginning day balance requirement. If for any one day your beginning day balance falls below the daily minimum balance, the Monthly Service Fee will be charged on the last day of your statement cycle. However, if it is linked to your XXXX XXXX Checking account, a fee won't be assessed on the savings account. The Chase Premier Savings ( SM ) account has a {$25.00} Monthly Service Fee. We'll waive this fee for any statement period when : - This account is linked to a Chase Premier Plus Checking ( SM ) or Chase Sapphire ( SM ) Checking account, or - There is a balance at the beginning of each day of {$15000.00} or more in your account. We are unable to re-open the account via this email. To discuss re-opening your savings account, please visit us at any branch. You may need to make a same-day cash deposit. You can save time at a branch by calling ahead to schedule an appointment with a banker. Find the phone number by searching under ATM & branch at chase.com. We appreciate you being a Chase customer. Thank you, XXXX Chase Email Servicing Important Information : The terms of the accounts, including any fees or features, may change. See the Deposit Account Agreement and Additional Banking Services and Fees for the terms and conditions associated with these products. Accounts are subject to approval. XX/XX/2023 at XXXX from me : Thank you for responding. You all have access to ALL of my accounts, yet, I still don't have a definitive answer so now, I need to check to see if the checking account you're referencing is the type of checking account I have when you could have easily said " you have an x checking account and it is ( or isn't ) eligible for a savings account with waived fees ''. If you all have closed my account based on your misreading of my initial email ( and despite the fact that it didn't have a XXXX balance ), I'm not inconveniencing myself to physically visit a branch to reopen it and I'll never open another savings account with Chase. This makes 3 contacts with an attempt to have a question answered and/or resolve an issue. This can't be considered customer care. I'm with you until my mortgage is paid off. XX/XX/2023 at XXXX from CHASE XXXX Thank you for contacting us. We're so sorry to hear about your unpleasant customer service experience. We strive to provide outstanding customer support, and it's disappointing when we fall short. This is never the type of experience we want you to have. Your feedback is important to us. We will share it with the appropriate team. We reviewed your now closed savings account. This account was linked to your Chase Premier Plus Checking ( SM ) which is another way to waive the Monthly Service Fee. We're so sorry you decided to close your savings account. As for your checking account, the Monthly Service Fee is being waived because it is linked to your Chase Mortgage with automatic payment. We appreciate you being a Chase customer. Thank you, XX/XX/2023 at XXXXXXXX XXXX from me : " I DID NOT DECIDE TO CLOSE MY ACCOUNT!!!! '' | ||||||
| 05/25/2022 | Yes |
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On XX/XX/XXXX, I received a phone call with the caller ID saying Chase. I initially ignored the call but when it called back a second time, I answered, thinking it must be important. The person I spoke to claimed he worked in the Chase fraud department, he knew my name, and asked if I had spent around {$3000.00} at XXXX XXXX. I said no I had not, and the caller proceeded to tell me that he will take care of it to help refund my money, cancel my card as it has now been compromised, and issue a new one to me. He asked me to confirm my credit card number among other things, slowly but surely obtaining more details from me as time went on, all the while I was thinking that I was working with someone from Chase. He instructed me to not answer any other calls coming from Chase because it would interfere with the work he was doing and only delay the process of getting me refunded. As I was eager to get this taken care of quickly, I did as I was told. He assured me that he was handling it personally which gave me great confidence in him and I thought I was getting excellent customer service. At some point during the call, he mentioned that my XXXX XXXX account had also been compromised. He then put me in touch with someone from XXXX XXXX and told me that XXXX XXXX would handle it from there. While I did not realize this at the time, this XXXX XXXX representative was the same person. The caller had the ability to manipulate my account, funds, and myself.
He made a credit card balance transfer of {$9500.00} to my XXXX XXXX checking account which he then withdrew through wires and XXXX. At the moment of all this happening, he was telling me to check my Chase accounts and my XXXX XXXX accounts so I was logging in and seeing the fraudulent activity. He kept assuring me that this was being taken care of, so I am not sure how, but he had ways to manipulate my account and what I was seeing. When he made the balance transfer of {$9500.00} into my XXXX XXXX checking account, he asked me if I could see it on the screen, which I said yes, and he told me thats my refund, but it had been over-refunded. He explained he had kept trying to push forward the refund but the system was unresponsive and slow, so it must have finally pushed it out into one big lump sum. As I did not realize that I was being tricked, I followed his instructions to help send him the over-refunded amount because he said he would get in trouble if I didnt help. Throughout the whole week while this man was supposedly helping me he was draining the money from my account. When I realized that the person I was trusting all this time had betrayed me, I contacted Chases fraud dept ( XX/XX/XXXX ) and told them everything. They reviewed my case and told me they would take care of it ; they quickly reversed the fraudulent charges and the balance transfer amount. I thought the worst was behind me, until I realized that Chase reneged on me when I saw the {$9500.00} balance transfer amount appear in my statement 2 months later. Believing this amount was due to an error, I called the Chase fraud dept and spoke to a woman named XXXX XXXX XXXX on XX/XX/XXXX. After repeating my story to her, she told me that since the funds left the account, it was my responsibility to pay for it and she can not help me. I reminded her that Ive been a loyal customer for more than 20 years and have never missed a payment, in fact I pay in full every time, but that meant nothing to her. I asked multiple times to speak to her supervisor but she would not transfer me, instead she backed me into a corner questioning why it took me so long to realize I was being lied to. I told her she should not assume that everyone knows how banks operate and what types of information they are allowed to get from clients. I am not a person that interacts with banks so I dont know how they operate and where to draw the line. She continued to guilt and shame me. She literally said to me that I allowed this to happen to myself in a condescending manner. She showed me no empathy or understanding of what I had gone through, and I confessed to her how awful and devastating it has been on me mentally and how stupid I felt when I realized what had truly happened, and how it made me question and doubt myself about everything. I responded, Please dont say that I allowed this to happen to myself and I begged on behalf of all victims for her to never tell someone they allowed themselves to be victimized, and at the very least extend some empathy for what had occurred. I also told her that if she has ever spoken to anyone that has been scammed or frauded in the past, they will all confirm that they absolutely did not know what was happening to them in the moment, until unfortunately it was too late. I think that if I had told my story to a robot, Im sure a robot would have been more kind to me. Obviously if I knew what was happening I would stop it immediately, and that is what I thought I was doing by working with someone from the bank it is not my fault this person disguised himself as a bank rep. She remained firm on her position and tried to push me off to the payments team to work with them to come up with a payment plan since in three weeks Ill have a $ XXXX payment due. I was supposed to have an interview later that afternoon but I had to reschedule it because I broke down crying on my call with XXXX XXXX XXXX and I mentally would not have been able to get through it and bring my best self to the interview. The reason it has taken me so long to file this complaint is because I tried hard to put all of this behind me and move on from it, but as time passes I realize how absurd it is that one of the biggest banks in America is unwilling to help me. I am also still shocked at the rudeness and unkindness of XXXX XXXX XXXX and how it poorly reflects back on Chase. I thought when I first spoke to Chase at the very beginning, they had my back when they quickly reversed the funds from my statement. I was wrong when 2 months later they reneged, pulled the rug out from under me, and put it back on me to pay. Not only have I been lied to and betrayed by the fraudster but also by Chase. {$9500.00} is a drop in the bucket to them. For all we know, it could have been an inside job and no one would be able to prove otherwise, because they never bothered to stop or go after the bad guys, instead they punish their own loyal customers. Attached statements will show the fraudulent activity taking place in XX/XX/XXXX and the reversal of funds. The XXXX statement will show that the reversal had taken place. The XXXX statement will show Chase adding {$9500.00} back on my bill. |
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| 08/08/2017 | Yes |
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| On XX/XX/XXXX ( Saturday ), I deposited my payroll check at the Chase ATM Machine electronically. My payroll check has been always issued by J.P. Morgan Chase Bank, which is the bank of my XXXX XXXX. Such money/funds are immediately available, especially at Chase Bank/Branches. I became a customer of Chase three weeks ago, and the Chase Banker knew I am applying for a Direct Deposit through my work/XXXX XXXX. All will be processed for the next pay period. I have had already two previous work checks, deposited at the Chase Bank, and Chase was aware the checks are not fraudulent. I was very surprised to learn that my payroll check, which was cleared at the time of deposit, or on XX/XX/XXXX with the entire sum available, was withdrawn/debited miscellaneously under the HOLD transaction and TWO BUSINESS DAYS LATER, or today, XX/XX/XXXX I ALLEGE that Chase Bank illegally and willfully commits a crime as withdrawing my payroll money from my personal checking account ( {$1000.00} ) for two reasons to charge me Overdraft fees of {$35.00} and to misuse my payroll money for few days and conduct Chase business transactions which will benefit Chase Bank, but greatly financially deprives me as a customer. Chase Bank had no lawful reason to place any hold my payroll checks are issued by J.P. Morgan Chase. More importantly, the Chase Customer Service Department at XXXX is supportive of the illegal transactions of withdrawing funds of customers personal accounts. I called the Chase Bank Customer Service at about XXXX XXXX today, XX/XX/XXXX. I was scrutinized and not being helped at all and my time was wasted, as Chase Bank Representatives asked me numerous times for my Password. ( Later at the Chase Branch XXXX I learned that the so called Password is one expired password FROM XX/XX/XXXX from my Chase previously closed account in XX/XX/XXXX } Chase bank representatives were using expired password to PREVENT ME OF LOOKING MY ACCOUNT AND CLAIM MY WRIGHTS. I WAS CONFUSED AND ORIGINALLY PROVIDED THE CHASE CUSTOMER REPRESENTATIVE with my online password, but she stated it is not the password I log in, then THE CHASE CUSTOMER REPRESENTATIVE placed me within the automated system verification, while I provided her with all my debit card number, PIN, and 3 digit code on the back of my card ( all recorded ) After the verification, the Customer Representative told me she can not help me and asked me if I want for the Password to be removed. I said I want she to remove the telephone password, and she stated she removed it. Then the Chase Customer Service Representative transferred the call to XXXX, referred as the other department Specialist, who supposedly could help me with the removal of my money hold. XXXX REQUESTED MY PASSWORD once more. I stated that the password was removed already by the CHASE CUSTOMER REPRESENTATIVE, but XXXX insisted the password was still valid. I asked XXXX 'why she can not verify my identity through my debit card as the first Customer Service Representative conducted such verification. It is clear that Chase Bank allows such second verification. XXXX refused to do so! Then I told XXXX, THE SPECIALIAIST that I will file a Complaint with the Consumer Financial Protection Bureau, and XXXX cut me off, transferring the call to her Supervisor. I spoke with XXXX, but XXXX, the Supervisor was very UNKNOWLEGABE, AND PROTECTIVE OF THE ILLEGAL ACTION OF WHITHROWING FUNDS BY CHASE BANK FROM MY PERSONAL BANK ACCOUNT. XXXX also insisted that I have a PASSWORD and without verifying my identity XXXX will not discuss any issue with me. I told XXXX that this is RETALIATION SINCE I HAVE FILED PREVIOUSLY A COMPLAINT AGAINST CHASE BANK WITH CFPB. XXXX refused to speak with me and told me that I must go to Chase Branch to resolve the problem. I asked for XXXX supervisor, and was placed on hold for more than 20 minutes, then call was disconnected. I had no more lieu, or hope to resolve the issue, and went to a Chase Branch at XXXX New York, XXXX ; I spoke with XXXX, the local manager. Once more, I was scrutinized as being told that the hold is done to assure if my payroll check is not FRADULENT! In other words I was made to look as a criminal who falsifies my payroll check issued by Chase Bank! Thus, Chase has had accepted my two previously payroll good checks ; the entire scrutiny was to put me down, while Chase could cover their illegal actions of illegally withdrawing funds from customers account. I disagreed and objected ; I obtained the copy of my bank statements, and in case of a LAWSUIT AGAINST CHASE BANK, am ready to provide them as supporting documents. In order to prevent overdraft, I asked my son to send/lend me the money of {$240.00} that brought my Chase account to {$0.00} today ; I escaped the {$35.00} overdraft fees. At the same time, Chase bank was misusing my payroll money without any interest given to me to make money for Chase Bank. What a Shame? Can you imagine if Chase is doing the same illegal actions with XXXX XXXX customers and misusing their payroll of {$1000.00}? How much money Chase would make FOR ONE DAY in such transaction, which costs them nothing? I want investigation of the scrutinized practices of Chase Bank against customers like myself. Chase Bank has a survey before opening any account asking many personalized questions, such as are you married?, will you intend to marry, how much is your salary per year. It is clear that through such questions/surveys Chase Bank is evaluating how they can mess up customers accounts and which customers can overdraw and pay fees at later time. Chase Bank knew I am paid bi-weekly. Chase Bank afforded to withdraw money/not hold my money/ and bring my account to negative {$240.00}, knowing that I will pay them overdraft fee, as I am SINGLE, WITH ONE INCOME and the Chase Bank surveillance registered me as a good subject for withdrawing/holding my money AT MY EXPENSE, once more making money at my expense. I am deeply appalled by the Chase Bank Illegal Practices. Chase Bank must be held accountable per Law. XXXX, the Chase manager, told me that the hold of my money was planned for at least a day ( 1 ), may be more. I left the Chase branch with a {$0.00} in my Chase Bank account but with {$840.00} stolen/withdrawn money by Chase bank. The Chase Manager arrogantly asked/offered me if I do not have any money, he can allow me to have a few dollars, until the hold is removed? I felt disappointed, and told the Manager I will be filing a CFPB complaint. Fifteen minutes after I left the Chase Branch, the manager XXXX called me to tell me that he was able to release the hold. The hold/withdraw transaction should never be placed on a first place. | ||||||
| 04/13/2023 | Yes |
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Web | Servicemember |
| I am writing to report JPMorgan Chase Bank for refusing to provide benefits clearly stated in their product agreement, and for failing to protect their customer ( myself ) against unauthorized and fraudulent credit card charges. On XX/XX/2023 I filed a dispute with JPMorgan Chase Bank for an unauthorized charge on my Chase Amazon Visa Signature credit card from vendor XXXX XXXX XXXX in the amount of {$680.00}. I was informed by JPMorgan Chase Bank that the fraudulent transaction was performed on XX/XX/2023 in store at a XXXX location. They also advised me of another charge that was attempted in the sum of {$630.00} on the same day which they declined as they suspected fraud. JPMorgan Chase Bank promptly canceled my Chase credit card, mailed me a replacement card, and started an investigation on the matter. A temporary credit for this amount was placed on my account. No further communication was received from JPMorgan Chase Bank. On XX/XX/2023 I checked my credit card statement and saw that the fraudulent charge had been put back onto my account. I immediately called JPMorgan Chase Bank to find out why this charge had been put back on and was advised that they had decided that it wasnt a fraudulent charge. They advised me that they had obtained a receipt for the transaction from XXXX and had decided that they were legitimate charges. I asked them what the charges were for and they advised me that there was some bedding and sheets, a frame and then a visa debit card load of {$470.00} and a gift card for XXXX XXXX House for {$50.00}. I assured them that I had not made these purchases and expressed my concern and disappointment that they had come to this conclusion without even speaking to me to discuss the matter or informing me of their decision. They agreed to reopen the case and advised me that someone would contact me within 4 business days. After the phone call I did some internet searching as this has never happened to be before and I had no idea what to do. I read that I needed to file a police report, which I did immediately and then called JPMorgan Chase back and provided them with the case number, I also emailed the case number to them and asked them to reach out to me if they needed any more information. On XX/XX/2023 I received a call from JPMorgan Chase Fraud department, the lady advised me that the transaction was an online or phone transaction as the credit card number had been keyed in and that she needed me to stay on the phone while she contacted XXXX so that they could give me the address that the order was sent to. I agreed and waited for the call to be connected with XXXX, once connected and while the lady from the fraud department was listening I spoke to the XXXX representative and gave them the details that I had regarding the transaction. They lady advised that she couldnt find any record of this transaction for an online purchase on that date. She gave us another number to contact for the billing department that may be able to assist further, she said that she would have put us through but the wait could be hours. The lady from the Fraud department asked me to contact them, I am assuming that she didnt want to wait on hold for hours and let her know the address once I have it. I advised her that I would be happier if she was present during the call and asked her to contact them and to call me once connected and I would request the information. I told her that I would make sure I was available all day to take her call. As I had not heard anything by the end of the day, I ended up calling the number myself, I got through within a couple of minutes. The lady from the billing department looked up the transaction and advised me that it was not an online transaction, it was in fact an instore transaction. She gave me the location of the store so that I could contact them to find out more information. I then contacted the store where the transaction had taken place and obtained a receipt of the purchase. I am not sure why the lady from the fraud department had not known that it was an instore transaction but I can only assume that she had not looked at the case thoroughly as I had previously been told when filing the initial claim that it was an instore transaction. I have still not received a call back from the fraud department, I have no way to contact them directly and I am concerned that my case is not being delt with in a satisfactory manner and now have little faith that a full and through investigation will take place. I am extremely upset by this whole incident, I have never had credit card fraud happen to me and the first time that it has, I have had JPMorgan Chase tell me that the charge was not fraudulent. I know what purchases I have made and I know for a fact that I did not authorize this charge. I have had my card in my possession the whole time so have no idea how it could have been used. I use this credit card very little and generally for smaller purchases. I have never loaded a debit card for hundreds of dollars and am shocked that this in itself didnt raise concerns both from XXXX and also JPMorgan Chases fraud department that this could possibly be a fraudulent transaction. In addition to this JPMorgan Chase had at almost the same time declined another transaction for {$630.00} as they suspected fraud. How they can now say that the charge was not fraudulent is beyond me, they have provided me with no explanation of their reasons, had no communication with me prior to making their decision. If they look at all my previous transactions over the last year they can see that I only use this card for smaller transactions, nearly all under {$200.00}. I use this card mainly for my hobby business purchases and there is only one company that I regularly order from where a charge is over {$200.00}. JPMorgan Chase Bank proudly advertises their zero Liability Protection stating on their website and in their cardholder agreement that zero Liability Protection means you wont be held responsible for unauthorized charges made with your card or account information. Despite this clear statement on their website and the cardholder agreement, JPMorgan Chase Bank failed/refused to protect me against an obvious credit card fraud. This is some of the most upsetting, unprofessional and disrespectful behavior I have ever experienced. One of the reasons that I have a credit card with a large back like Chase is for the extra protection and peace of mind which comes with these cards. My request is for the charge of {$680.00} to be removed from my credit card account and for JPMorgan Chase to stand by their promise of zero Liability Protection for unauthorized charges. | ||||||
| 03/09/2018 | Yes |
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| I closed out a 401k account and had the company mail me checks. I deposited the checks into my JP Morgan Chase checking account through their mobile application on Sunday morning. On Tuesday, I learned that my account was 'restricted ' when my card was declined at lunch -- the bank didn't bother to call and discuss the restriction, they just let me find out when my card was declined. This is a common practice with this bank, and it is humiliating. When I called, I was routed to a call center overseas and spoke with several people about this, but it took quite literally hours to get enough information from each person ( at least four different people ) to piece together what happened and what I needed to do. To be clear, it took hours because each person was doing the bare minimum to understand the situation and giving me the answer that most closely resembled the issue response in their auto-generated response system. Whenever possible, the folks on the phone will speak as quickly as possible in finance jargon in an attempt to intimidate the customer. It is an incredibly unpleasant experience to go through when you're already in a fragile emotional state. As I've learned, the issuer of the check changed the format of their checks. Understandably, this raised some red flags at JP Morgan Chase. Chase wanted to verify that this institution wrote the check. They first tried to reach the issuers banking institution, XXXX XXXX XXXX -- apparently, XXXX XXXX XXXX will not release any information about their customers, including the issuer of the checks in question. Their next step is to reach the issuer of the check in question. To do this, JP Morgan Chase has a top-secret software system that they use to find 'registered ' phone numbers -- to be clear, on the phone they use the word 'registered ' as if talking about an official business registry. However, what 'registered ' really means is 'registered with their top-secret software system. I'm not sure how a company or institution becomes registered with this system, and JP Morgan Chase would not give me any answers about how : it's top secret. The institution that issued the checks, XXXX XXXX XXXX XXXX ( a rebrand of XXXX ), is a publicly traded Fortune 500 company with billions of dollars in revenue -- they have a 'registered ' phone number. For some reason, JP Morgan Chase doesn't have their number in their internal system and, in order to 'verify ' the checks, the phone number needs to be 'registered ' in their internal system. In other words, verification was not an option. The next step, so says JP Morgan Chase, is to put a 'stop ' on the checks. After 2 hours on the phone with them, I called XXXX XXXX again to have this done, and they graciously helped with this. I called XXXX the next day after the financial markets closed ( when the 'stop ' would be processed ) to make sure that went through okay. This is when I learned that JP Morgan Chase had already cashed the checks two days prior to this request ( a detail that the representatives from JP Morgan Chase had left out during our two hours on the phone the day prior ). Because JP Morgan Chase had cashed the checks, XXXX XXXX was unable to process a stop. After another hour on the phone with JP Morgan Chase, I was told to have XXXX recall the checks. I spent 30 minutes on the phone with XXXX trying to explain that I wanted the check recalled -- not stopped -- but recalled. They were confused, and didn't know how to proceed. I played ping pong with JP Morgan Chase and XXXX with conflicting information for the next two days before someone at JP Morgan Chase asked me to have XXXX 's financial institution recall the checks. XXXX, who, at this point, has no business relationship with me because JP Morgan Chase cashed the checks in question, could not immediately comply. In the mean time, I had to listen to folks at JP Morgan Chase threaten to, not only close my checking account, but also keep the funds in an account indefinitely until they are able to verify the funds, which would mean finding a phone number in their system that doesn't exist. I called XXXX this morning to see if they could process this request, but they denied it. I can't say I blame them -- the issue was with my bank, not with them. After what appeared to by my last option was exhausted with XXXX, I called JP Morgan Chase this morning to try to find a resolution to the situation one last time. I escalated the call twice ( and spoke with a total of three people ) before I could talk to someone that genuinely seemed interested in helping -- everyone else gave me the same response over and over again, and several times insulted my intelligence because I would not accept their answer. I had to wait on the line for at least an hour before this gentleman was able to help, and his help was quite simple : he used a search engine to find a phone number for XXXX and then called to verify with me on the phone. It is important to note that I asked several JP Morgan Chase Associates why they couldn't verify the checks this way -- they had a tendency to ignore my questions and repeat their auto generated responses. The matter was resolved in minutes this way, but the process took the entire week. In the meantime, my landlord is charging me {$100.00} for late rent and for a bounced check. My credit cards are charging interest on a balance that would have been paid off. I had no gasoline in my car and had to ride my bike 1 hour each way to work on roads that aren't friendly to cyclists. I had to stay at work until XXXX XXXX every night this week because of the 2.5 hour lunches I was taking to be on the phone. I was a nervous and anxious wreck the entire week. I couldn't sleep, I couldn't eat ( literally -- I had very little food in my fridge ), and I couldn't think straight at work -- I was XXXX. Because of the XXXX XXXX this financial institution put me under, I had to take the entire day off of work today. Throughout the entire process, the folks at JP Morgan Chase were treating me like a criminal. They talked down to me, they made comments like " I'm sorry that you can't understand, '' they threatened to close my account, and they threatened to keep my money in limbo indefinitely. They made it clear that they weren't there to help me, and that the situation needed to be resolved by me. It was truly the worst customer service experience of my life, and it was all because the folks at JP Morgan Chase couldn't find the phone number of a Fortune 500 Company. Or, perhaps more accurately, because I had to spend hours on the phone for the better part of the week before I could get someone on the line to try. | ||||||
| 03/29/2023 | Yes |
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| On XXXXXXXX XXXX XXXX I logged on to the XXXXXXXX XXXX web site and initiated a payment through their bill payment service to my JP Morgan Chase credit card for {$1300.00}. According to the web site statement data for XXXXXXXX XXXX this amount was deducted from my account and was sent to my JP Morgan Chase credit card account as a payment. However in XXXX of XXXX I received my statement from JP Morgan Chase for that same credit card I paid through the XXXXXXXX XXXX payment portal. According to JP Morgan Chase, they did not receive a payment and were charging me late fees, interest and stating that I still owed the {$1300.00} already deducted from XXXX XXXX to pay them. I contacted JP Morgan Chase and was told that they did not have record of receiving my payment and while they would temporarily reverse the late fees, interest charge and principle owed, I needed to contact XXXX XXXX and have them send by FAX a transmittal report showing the payment from XXXXXXXX XXXX to JP Morgan Chase for my account on XXXX XXXXXXXX XXXX for the amount of {$1300.00} which would provide JP Morgan Chase the account information the payment was made from and the account that it was delivered to ( them ) in order to locate the missing funds. JP Morgan Chase was then provided several documents from my XXXXXXXX XXXX statements showing the payment amount, the XXXX XXXX account number and their ( JP Morgan Chase ) account information as the recipient. However, I was told by JP Morgan Chase that this information was insufficient for them to identify and track the payment and that they needed a transmittal report bank to bank and that no other information would relieve me of owning the debt as I could not otherwise prove payment had already been made. I have since called XXXXXXXX XXXX 7 times ( and while being hung up on three of those times ) succeeded in speaking to a live representative on the other occasions. Finally on XX/XX/, after once again explaining to the representative what a transmittal report was and why I needed them to send it to JP Morgan Chase and myself, the representative ( who was uncertain how to handle the request ) elevated my request to her tier 2 representative who began to initiate a dispute. However I again explained to the second representative that I did not need a dispute opened to my knowledge but instead needed someone in the bank with the ability, knowledge and access level to find and fax the transmittal report to JP Morgan Chase. After a lengthy call, I was informed that they had noted my account and placed a request to have a manager call me, which I requested to be done on this upcoming Friday as I would be at work and unavailable to speak with a manager in private at any length until I that time. However, yesterday ( XXXX XXXX XXXX ) I returned home from work to find a message from a XXXXXXXX XXXX representative who had called and simply stated to call him back with no phone number or name associated. Today, XX/XX/, I worked from home in order to be able to make this call back. And after an hour was finally elevated to a manager who would only identify as " XXXX '' who advised me that my account had been commented yesterday with information stating that the XXXXXXXX XXXX would not or could not provide a transmittal report and because the " dispute '' was closed and confirmed that the funds had been removed from my account with them ( to where I have no idea now ), they considered the matter closed and would take no additional action. I again explained to " Autumn '' the situation and she offered to mail my ( via the USPS ) a statement showing the funds withdrawn from my account but this is not the transmittal report that JP Morgan Chase insists is the only " proof '' they are seeking to show I made payment and that unless I provide a transmittal report I will be stuck repaying the same amount second time, having to pay interest, having to pay late fees and having my APR jacked up to almost 30 %. Since this initial complaint against both XXXXXXXX XXXX and JP Morgan Chase, XXXXXXXX XXXX has confirmed that my payment transaction was completed to JP Morgan Chase. It therefore appears that JP Morgan Chase did in fact " lose '' or misallocated the funds to where I do not know nor do I have the ability to find out. However, as I have already paid in full and on time, JP Morgan Chase has no cause to continue to demand repayment again, as well as charge interest, raise the rates on my credit card, charge fees or take any other adverse action. From the response noted below, JP Morgan Chase is in error and should work internally to follow their processes to locate the " lost '' funds that they admit they are unable to locate and resolve this without adverse effect to me, my account or my credit report. The contents of the response from XXXX XXXX are as follows : " We received your request for assistance filed with the Consumer Financial Protection Bureau ( CFPB ) regarding a XXXXXXXX XXXX XXXX. We are committed to the products and services we provide. More importantly, we are committed to the customers we serve each and every day, and we value the opportunity to address your concerns. We apologize for any inconvenience you may have experienced, any delay in resolving this issue, as well as any disconnected calls you experienced while trying to reach our call center regarding this matter. We have a high standard for customer service and your expectations should have been met. Additionally, we apologize for our calls to you being attempted during your working hours. We have reviewed our records and confirmed a card-to-bank Automated Clearing House ( ACH ) transfer was made to JP Morgan Chase Bank on XX/XX/XXXX in the amount of {$1300.00}. We can confirm agents provided correct information about a transmittal report not being available and the dispute was closed per your request. Please know, the trace number for the transfer is XXXX. You will need to contact JP Morgan Chase Bank directly with the trace number to determine where the bank deposited the funds. Unfortunately, we are unable to cancel the transfer or reclaim the funds from our end. In addition, regarding your concerns related to fees, Annual Percentage Rate ( APR ) rate, and additional issues with JP Morgan Chase Bank, we recommend contacting them directly as this is outside our purview. We are sorry that your experience with XXXX XXXX has not met your expectations, but we are hopeful we have addressed your concerns. For standard account inquiries, please contact the call center at XXXX should you have further questions or concerns. Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX cc : CFPB XXXX '' | ||||||
| 04/29/2022 | Yes |
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| I contacted JP Morgan Chase Bank about an old auto loan on XX/XX/2022. I had told them my situation & asked them how I could get rid of the balance on my account because I am XXXX & finally found a program to help me with buying a home. But my debt to income ratio was too high with this old loan on it. Back story, I was told years ago if I voluntarily repossessed my car back to Chase, I would not be responsible for the balance. Yet, later I received a letter in the mail saying a balance for what they didn't get at auction and told me I owed. I was lied to then and hence this balance. So the day after I emailed them in XXXX they emailed back for me to call them with more information. I did so and after I believe another phone call they had reached a settlement of {$1100.00} out of the {$4500.00}. He verbally told me they would remove the rest of the balance if I paid that lump sum and that would help with my debt to income ratio & credit score. I had until XX/XX/2022 to pay them. He gave me a number to contact a department to set up payment. I then contacted thar department on XX/XX/2022 and they told me I had no settlement set up. I gave them all the information from the days prior & finally they just set up a new arrangement for the same amount. They agreed again to remove the rest of the debt/remaining balance if I paid {$1100.00} by XX/XX/2022. I was a bit worried this time and asked for a written agreement. They agreed and she said she would get it out right away & I made sure they had all my information to send by mail. Days go by and there is nothing in the mail. Finally I call and receive no calls back. I kept calling & finally get XXXX back on the phone & she informs me she sent it out on XX/XX/2022 ( a week after our call, even though they only give you a month to pay it. ) I then asked if she could just email it because I was getting worried about it getting to close to the day it was due & my situation was urgent needing to be able to move asap. More days go by & still nothing. No mail, no email of agreement. I then email a few more times to both XXXX from Executive Office whom set up the first settlement, and Calling XXXX who helped with the second settlement agreement. Nothing for days. Finally XXXX sends me one by email. I still have yet to receive that first by mail. Though this agreement is not in my name or my address. I inform him it's not addressed to me so I could not use that for MY debt. Again I call and call and it takes a couple days for that and now its XX/XX/XXXX. Mind you I was told that I couldn't pay by mail because it takes 30 days to mail and it was due XX/XX/XXXX, so I would have needed to mail it the day I set up the agreement for the 2nd time. ( Also XX/XX/XXXX was a Sunday so that wouldn't do me any good either. ) I was starting to really worry at this point. I also had questions because the agreement said pay by mail when I was informed I couldn't pay by mail, and that took many attempts to finally get a clear answer about, just like everything else did. I then get emailed a new copy on XX/XX/XXXX. This states in writing they would remove the rest of the balance if I paid that {$1100.00}. Since I finally had someone at Chase tell me to XXXX XXXX it, because it would be instant, I go immediately that night and do it. I even called XXXX as I was there to ask a question & let her know I was there paying it. She said she would look for the payment tomorrow and call me. I had asked for a receipt to be mailed to me once I sent it. The next day I called because I heard nothing from XXXX & knowing it should be instant, but of course was told it wasnt there. This went on for over a week. I was told my payment wasn't there. This whole time they knew I was in a time crunch and me & my kids could become homeless. They lied about it not being there. I finally called XXXX XXXX & they told me Chase had received it instantly on XX/XX/2022 and gave me the confirmation number. This was now XX/XX/2022. I tried calling them back again but like on many occasions once I gave my name the department closed early again! It was odd that happened many times throughout this situation. So when I called Chase back the next day with this new information the girl who picked up could not understand why no one could find it because it was there. She was obviously very confused. Then I was given the run around about when It would be applied to my account & when I could have my receipt. They said the person wasn't there to apply it but I would have it no later than that Monday or Tuesday. Of course that came and went. Then that Wednesday they told me it was escalated and would only be a " few more days '' but I was told prior it would it only take a day to apply. Every single thing was one mess up after another. Then I find out when they were saying my payment wasn't there they had already reported it to the Bureaus. So it was just a flat out intentional lie. Now mind you they finally do send me a letter saying my account is settled after I told them how they were discriminating against a XXXX woman. This was well into halfway through XXXX at least. But then it comes time for my credit report. My credit report has a " new '' balance of {$3400.00}. That's the amount they were to remove. There should be no balance because we came to a settlement and I held up my end of the deal. In the status they wrote, " Charged off {$4600.00}. '' ( The beginning balance was only {$4500.00} and then I payed the agreed settlement amount of {$1100.00} so not sure where they got this amount. ) Then the next comment says, " {$3400.00} late as of XX/XX/2022. '' I can NOT be late because I am paid! We are settled! I tried to dispute and they left the balance! They left all the manipulative, deceptive comments except changed the last part to " PAST DUE as of XX/XX/2022. '' Again I am not past due with anything! We had a settlement agreement! What they have done since the beginning was deceived me, then they outright tried to thwart me at every turn. Now they have crossed into illegal territory and I am in need of help! Even on all my credit reports it still shows as a debt but instead it shows the new balance because of the payment I made. This was done purposely, as every step they took was. I have tried to tell them I needed this fixed and I would do nothing and move on with my life if they just corrrected it. I tried two disputes. I pleaded with them and told them they knew I was a single, XXXX mom with XXXX kids and my housing situation was dire. They knew this was the only thing holding me back but they decided to be deceptive, malicious, and downright illegal. | ||||||
| 12/15/2021 | Yes |
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| On XX/XX/XXXX, I noticed a charge on my XXXX visa card from Chase for {$1800.00} and the purchases we made on XX/XX/XXXX at a XXXX Warehouse XXXX I contacted Chase immediately and spoke to XXXX, who assisted me with opening a fraud claim and replacing my XXXX XXXX card. Chase issued a provisional credit for {$1800.00} while my claim was investigated. During my call with XXXX, he asked whether I had lost any other credit cards, at which time I took a moment to see whether any additional cards or my drivers ' license were missing. After a quick review of my cards, I confirmed that in addition to my visa card, I was also missing my XXXX membership card and XXXX gift cards, which were all in a small green purse in my fanny pack. XXXX asked whether someone else in my home used the card without my knowledge or if I had any idea where I lost the items, to which I said no, it isn't possible as it's just myself and my husband in the home. I also mentioned that the only possible explanation was that I had dropped the purse with the items on XX/XX/XXXX, when I tripped and fell during my morning walk. It was the only time I left the house on XX/XX/XXXX. I asked XXXX whether I needed to do anything to aid the investigation. He said no further action was necessary and that I would receive my replacement credit card within XXXX business days. After wrapping up my call with XXXX, I reviewed the charges on my credit card accounts again and noticed a credit for {$100.00} at XXXX on the same XXXX card on XX/XX/XXXX. I called Chase a second time to inquire about the issue and spoke with XXXX ; I told XXXX about the fraudulent charge that I was disputing and the discovery of the credit, and his XXXX response was that Chase doesn't investigate credits. I don't know what triggered the credit because I didn't investigate an further. On XX/XX/XXXX, I received a letter from Chase indicating that the investigation was closed and I was responsible for the transaction as I " received benefits from the transaction. '' On XX/XX/XXXX, I contacted Chase on XXXX separate occasions when Chase reposted the provisional credit to my account. During the first call, I spoke with XXXX ; when I inquired about why the investigation was closed, XXXX said that the claim looked suspicious because I took too long to alert Chase of the fraudulent charge. I explained that I didn't know about the fraud until I had logged into my account to make my monthly payment on XX/XX/XXXX, and I immediately alerted Chase of the charge. XXXX also mentioned that Chase would reopen the investigation and that it'd be helpful for me to provide new information to aid the said investigation. XXXX also asked whether I went to the ER after the fall on the morning of XX/XX/XXXX. Or whether I have another credit card that I may have used at another vendor at approximately the exact date and time as the XXXX purchase as it would prove that I couldn't be in two places at the same time. On the second call, I spoke with XXXX. Like XXXX, XXXX also asked whether I had anything to prove that I wasn't the person that made the fraudulent purchase because the buyer presented the card at the time of the purchase. When I asked for clarification, she said the person had my credit card in their possession because it was inserted at the register. I said, of course, the person had the card because the card was lost. XXXX, then proceeded to ask whether XXXX was aware of the lost card and the issue regarding the fraud ; I told her that I did report the matter at the membership desk when I returned to the warehouse on XX/XX/XXXX. She said I should ask XXXX for footage of the transaction, and file a police report to bolster my case with the investigators and asked me to email a copy of the new card. I emailed a picture as instructed to Chase XXXX XXXX. I shouldn't have in hindsight because the membership number on the " new card '' was the same as the card lost on XX/XX/XXXX. Unfortunately, I had no idea it was standard procedure by XXXX to change the membership number when a customer 's membership was compromised until speaking with XXXX at the XXXX XXXX on XX/XX/XXXX and later reinforced by XXXX XXXX on XX/XX/XXXX and the copy of the card provided to XXXX was the same as the card that was lost. In the essence of time, I'd like to point out that I've contacted Chase multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ) regarding the fraud investigation. I was asked for and provided various items substantiating my fraud claim. On XX/XX/XXXX, XXXX, the Chase customer representative I spoke with, said that based on the notes in her system, if I can get a letter from XXXX acknowledging that my membership card was compromised on XX/XX/XXXX, I'd have a better outcome. Unfortunately, the Assistant General XXXX ( XXXX XXXX ) at XXXX in XXXX couldn't provide such a letter but said I should give her name and number to Chase. She'd be more than happy to speak with the XXXX. At this juncture, XXXX XXXX was concerned that I wasn't the person on video making the purchase, especially when she mentioned that the XXXX membership card and the photo on my credit card were used for identification purposes. XXXX cited privacy issues when I asked whether it was possible for me to see the footage of the transaction. To be clear, I don't have a credit card with a picture. Chase is also aware that my XXXX credit visa card doesn't have a picture. I feel that Chase had no interest in conducting a thorough investigation. The investigators were more interested in requesting documentation that was difficult to provide. The XXXX warehouse sales auditor where the fraud occurred ( XXXX, XXXX XXXX ) said she didn't receive any request from Chase for additional information related to my claim, which is very concerning. On numerous occasions, I mentioned to the Chase customer representatives that I've never used my XXXX visa card at XXXX and that it would be easy to verify but to no avail. I've used my Chase Visa card and XXXX XXXX XXXX card but never my XXXX XXXX card. I also pointed out that the XXXX location in XXXX, where the fraudulent purchases were made, isn't a location that I frequent because it's further from my home. Finally, the last letter dated XX/XX/XXXX from Chase indicated that my claim that a fraudulent application was used to open my credit card account was closed. The investigation found that the account was valid and not based on a fraudulent application. There is a disconnect within the Chase investigations department as I never made a fraud claim regarding the legitimacy of my account. | ||||||
| 08/03/2023 | Yes |
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| After reviewing your response to the complaint that I submitted to the CFPB, I find your response to be grossly incorrect and inadequate. Your response includes assertions that are false, misleading, and completely unresponsive to the facts that I presented in my complaint. In Chases response, you claimed that I stated that my pin was not written down. I never stated this. Your letter states that we have enclosed copies of the claim letters for your records. There were no claim letters attached. Im beginning to think this is a form letter. Im also thinking that I am communicating with a robot not a person. Your letter states that there are undisputed transactions at the same merchant location/terminal with similar dollar amounts. Yes, I have made numerous withdrawals of money from the same ATM over the past years, but never six consecutive withdrawals at the same time. For example, if I walked down a street with money in my pocket and was robbed by a thief, I would go to the police and file a complaint. If I walked down that same street and was not robbed, I would have nothing to complain about. Right? Also, as soon as I was advised by Chase regarding the {$370.00} fraudulent transaction ( literally minutes after the six fraudulent transactions were posted ), I responded by answering NO to whether I made this transaction. So, Chase was aware that I was disputing the transaction. Yes, I didnt dispute the other five fraudulent transactions. Because I wasnt aware of them at the time. Then you go on to state that we are not able to prove fraud occurred. What? You already suspected fraud by asking whether I made the withdrawal on XX/XX/XXXX. ( See above. ) Why would anyone make six consecutive withdrawals moments after midnight? ( One of which was flagged by the Chase security system. ) I have never made more than one withdrawal in a day. Not six consecutive withdrawals in a few minutes! In fact, I thought that I wasnt allowed to do this? It seems that the only basis for your decision is that my password was used. In any case, you must be aware of scams that are employed to steal a customers password? I have heard that sometimes copies of an ATM transaction can be illegally made from an ATM machine. Why should I, a Chase customer for over 25 years with six accounts maintaining an average balance of at least {$150.00}, XXXX a month, be held solely responsible for this apparent fraud. THIS IS OUTRAGEOUS! HERE IS THE RESPONSE THAT i RECEIVED FROM CHASE BANK We aim to give exceptional service and are sorry if we did not meet this goal when you contacted us about the ATM withdrawals from your account. We will address your concerns about your customer service experience internally. We reviewed your claim numbers XXXX and XXXX on XX/XX/2023, for the ATM transactions totaling {$940.00}. We denied the claims because we show the transactions were authorized and were completed without any invalid PIN attempts. You also stated your PIN was not written down. There are no signs of account takeover, and there are undisputed transactions at the same merchant location/terminal with similar dollar amounts. We are not able to prove fraud occurred. After reviewing our denial, we did not change our decision. We can not credit your account for the loss. We have enclosed copies of the claim letters for your records. The security of your information is especially important to us. We strongly recommend protecting your debit card, checks, and other account information from theft and unauthorized use. You can see suggestions for safeguarding your information in the Deposit Account Agreement and at chase.com/security. You were provided a copy of the agreement when you opened the account. You can review the current agreement by signing into your account on chase.com. MY INITIAL COMPLAINT LETTER SUBMITTED TO THE CFPB ON XX/XX/2023 XX/XX/2023 Chase by Mail XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Account Number XXXX To Whom it May Concern : On XX/XX/XXXX there were six fraudulent transactions in my Chase Safire bank account. ( See Attachment 1 ) The fraudulent transactions were made at an ATM machine, operated by the XXXX XXXX in the XXXX XXXX. I have been using the ATM at this bank for six years. Apparently, someone was able to hack into my account and made six fraudulent transactions during a short period! Chase must have realized that fraud was being committed because they sent me a message at XXXX XXXX on XX/XX/XXXX, asking me whether I attempted a withdrawal of {$370.00}. When I saw the message at XXXX XXXX, I replied No. At that time, I was not aware of the five other fraudulent withdrawals. I immediately received a message from Chase saying that my atm card was closed and that I would receive a new card. ( See Attachment 2 ). On XX/XX/XXXX I noticed that in addition to {$370.00} fraudulent transaction, Chase had also credited me for the other five fraudulent charges. ( See Attachment 3 ) So, you can imagine how shocked I was on XX/XX/XXXX when I looked at my account online and discovered that all the fraudulent charges had been re-applied to my account! ( See Attachment 4. ) Of course, I called Chase immediately and they passed me on to the Fraud Department. There I spoke with XXXX, a supervisor who told me that an investigation had been done, and that since my password was used, I was to be liable for all the charges. She said a letter was sent to me, advising me of the decision. The conversation was very short. When I asked her if she would call me back if we got disconnected. XXXX said, we wont get disconnected, When I asked if there was someone else, I could talk with about this matter, she said I could look that up on XXXX. As of today, I have not received the letter. I have had an account with Chase for over 25 years. During most of that time, I have maintained four accounts with an average balance of more than the {$75000.00} minimum balance requirement to receive free checking. Usually more than twice that amount. In the past I have received excellent service from Chase including several warnings about suspicious transactions. As stated above, I even received a warning about these fraudulent transactions. However, in this instance Chase has let me down. The fact that a thief somehow hacked into my account and was able to make six consecutive fraudulent withdrawals and Chase was not able to stop this is outrageous and unacceptable. I contend that given the information that I have presented above, Chase should restore all of the charges associated with these fraudulent transactions. Sincerely, XXXX XXXX Attachments ( NOT ATTACHED ) | ||||||
| 09/03/2023 | Yes |
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| We tried to file a dispute for a charge from XXXX XXXX XXXX XXXX. Included was a {$390.00} XXXX, {$160.00} worth of medication, {$25.00} examination fee, and {$120.00} senior profile XXXX. {$700.00} total. Our first appointment for XXXX and paperwork was on XX/XX/2023. We were charged before the procedure was rendered. Meaning, it was payment first then the procedure would be given possibly days afterwards. He claimed our XXXX appointment was Monday, XX/XX/2023. He called me being very unprofessional and hostile. He claimed to have called us XXXX days prior about the XXXX appointment, but he didnt. He kept referring to our appointment card, saying we missed the appointment and had to pay a {$250.00} cancellation fee. The card had no date or time. Just XXXX and that well receive a call back. After telling him to speak to me in a better tone because he was threatening me with the cancellation fee, he banned us from the vet and hung up in my face. I tried calling him again, he picked up and hung up. Called again, and my mother was able to speak to him. He said he banned us for accusing him of being rude, which he was, and admitted to their fault over the phone due to a new employee. He also said they dont make calls ( so how did you call us XXXX days ago. Pretty much, he knew I was the daughter, saw how I cried about my dog, and and thought he could talk to me however he chose because Im young. ) By this point, he said hed call us Sunday. He didnt. We only called him to catch him in a lie, and we caught multiple. So we didnt get the XXXX done. It never happened, and we have proof of the merchant admitting on the XXXX website that they can confirm that there was error on their side because a new employee didnt give us an appointment. We never agreed to reschedule any appointments with them and the alleged appointment he claims we missed was on a day where they werent open ( XXXX ). We planned to use the money for the procedure from a different vet, which we did. We also wanted an additional refund for the medication we purchased from them that our dog didnt need ( {$160.00} ). We usually get our dogs meds from XXXX XXXX or XXXX because its cheaper and more affordable. They denied us a prescription ( which is illegal ) and told us they dont work with places outside of their vet, so we had to get the medication from them. Thats against the law. We also wanted a refund for XXXX because he didnt show us any documentation showing the results of our dogs XXXX until we made a dispute. He simply told us over the phone and expected us to believe him. Vets, like medical doctors, are required to show you medical results from any procedure done. He only showed us the results during the dispute. Thats the only way we figured they mightve did XXXX. We dont put it past them to falsify documents because theyve lied to the bank, saying they did the XXXX and showed the email they sent me about the missed appointment despite admitting in the XXXX website ( because I made a complaint ) that they were at fault ( they also threatened to charge us the cancellation fee if we didnt show up despite us refusing their services after his professionalism ). Again, they denied us a written prescription, which is illegal in the United States of America. We contacted Chase we believe on XX/XX/2023 to file a dispute, and they sided with him ( despite advertising that they have the customers back in the event of disputes ). We sent them the photo of his response on the XXXX website admitting to fault and threatening to charge us, and they still sided with him. If they actually did the XXXX, they wouldve told us that our dog had a large XXXX XXXX XXXX XXXX XXXXXXXX and is suspected to have a XXXX XXXX XXXX XXXX XXXXXXXX called XXXX. On their site, it says results are given the same day. He also has a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, instead of a XXXX XXXX XXXX XXXX XXXXXXXX XXXX like they claimed. We believe they told us this to push the medication on us. We were told by his current vet that those medications were never needed. We have proof that we got the procedure done at a different vet ( XXXX XXXX XXXX ) who showed his results as well as an image of the mass from the procedure. He stopped responding to us on the XXXX site and XXXX reviews because we were the only ones who mentioned getting the Attorney General involved. Ive noticed that after my review, they started to get a bunch of positive reviews thaXXXX XXXX XXXX are fake. They have more negative than positive. Its hard enough having to deal with the fact that our dog has XXXX, but having your bank who you trusted with your funds side with a business that is clearly lying ( despite proof ) when we simply wanted to know what was wrong with our dog is beyond frustrating and terrible. Chase has a history of siding with frauds, scammers, and lying business owners because they simply do not want to come out of their pockets ( despite advertising to customers that they have their back in the event of a dispute ). We plan to switch from Chase to another bank. We received XXXX decision XX/XX/2023. This complaint is for Chase XXXX XXXX XXXX XXXX XXXX. Included will be the card we were given with no date or time, our chat receipts from the XXXX site where XXXX XXXX XXXX XXXX admits to their fault ( while continuing to lie about rescheduling ) and threatening us if we dont show up for an appointment we never rescheduled, the email they sent the bank and I about a missed appointment that they confirmed was a lie, a photo of door saying nobody can come in despite their site saying customers can be with their pets during these procedures AND the email shows them saying they match with online vet pharmacies which they didnt for us, and the call log showing they called about blood work results and to threaten us with the cancellation fee. The first call was a brown conversation about alleged XXXX ( no mention of any appointments ), the second was the threat for the cancellation fee, the third was my first attempt to call back after he hung up in my face, which he did again. The last call was my mothers attempt to call and catch him in a lie. Were also including the XXXX results from our vet showing we got the procedure done by them ( along with the invoice ) instead of the accused vet, and the XXXX the accused vet sent to the bank during the dispute but never sent to us to physically see. If they actually did his XXXX, how come the XXXX didnt show up in the hematology portion of this XXXX? Its doesnt randomly show up. It also says Needs XXXX on the back. Again, this complaint is for Chase XXXX XXXX XXXX XXXX XXXX. | ||||||
| 02/13/2023 | Yes |
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| blue seal in the middle of it. On the sheet were XXXXwith dollar amounts next to each name. I saw my name in # 18 with another persons name a XXXX XXXX with XXXX next to her name. below her name also # 18 was my name XXXX XXXX with XXXX! There were three colums on this page first was a name, second was a dollar amount and third column said either Delivered or Pending. The phone number this text came from is ( XXXX ) XXXX XXXX had received a sheet showing various amounts of Grant money to claim and an amount next to it of what I would have to pay to get the funds. I chose XXXX as I planned on starting a Non for Profit helping recently incarcerated women get their lives back in order upon release from XXXX. I wrote up a business plan and had begun recruiting woman whom I felt confident could bring much experience and knowledge to my organization.So after the XXXX it read that I had to pay XXXX to receive this XXXX. I verified with Attorney Sessions if this was corrrect. He assured me he was a man of faith and he would never lie to me or lead me to try and get money from me for his personal gain.I went back and forth with XXXX to convey everything he told me to see if she had been told the same information. She veified that yes she had been told the same and believed he was a XXXX XXXX XXXX and I should just believe him and do what he suggests. By this time he had my full name, address, phone number, email and a picture of my home!! All pesonel information now out on the dark web!!!!! Attorney Sessions first asked me to send money from XXXX to a XXXX XXXX for XXXX. I asked this person was and he said just do as I say. I sent it to XXXX XXXX. The next day he told me to XXXX XXXX to a XXXX XXXX. I did that also. Ok. So now I had paid the XXXX he requested and I fully expected to collect my XXXX. The next day XX/XX/2023 there was a problem and he needed me to wire Transfer XXXX to XXXX XXXX to the receiving bank XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX. he wouldn't share any details with me only insisted I transfer an additional XXXX. I said NO!! I want out of this return my funds back to me. I am a XXXX mom and do not have any extra money to pay criminals with. This was my Savings account!! He had XXXX call me and explain to just calm down this will all work out, it did for her and to just be patient. He then asked me to Wire XXXX to him Attorney XXXX XXXX. On the XX/XX/2023 he once again asked me to wire XXXX XXXX XXXX. To XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, WA XXXX. I reached out to a friend XXXX XXXX and asked her how much she paid for her money? Was it what the sheet said. She said yes. I said I've already paid him XXXX not including the XXXX wire transfer fee each time I transfered funds.On XX/XX/2023 I receive a text from ( XXXX ) XXXX text read Hello. How are you doing mrs. XXXX. Your number was forwarded to us by general attorney XXXX XXXX that your money has to be delivered to through our XXXX management Are we correct and if this is a wrong address let us know before we can proceed. XXXX eplied back that that I am XXXX XXXX. He or she asked me to verify my home address!!!! I said what is your ETA? We will have to issue some documents for you from federal government which I think XXXX will have told you about. XXXX is asking for the new amount. Checking the new amount your name is in # 18 in the list Can you of from that now? I texted back What do you mean? Why is there another person in # 18? And why is it more XXXX more than I requested?? I got NO reply!!!! On XX/XX/2023 he said there was a problem and I should be happy I'm receiving XXXX more!! I explained NO I am not. I am almost out of money!! Do you not understand I have a child and am a single mom making ends meets. he wasn't fased in the least bit but reassured me I'd have my money soon. I tried again to back out and pleaded to retun my money!!!! Send back my original funds I've paid you. He agreed and said alright he would send my monies back!!! On XX/XX/2023 he said I had to pay additional tazes on the additional XXXX. I argued with him back and forth and said I never asked for an additional XXXX. I DO NOT HAVE ANY MORE MONEY TO SEND TO YOU!!! ! On XX/XX/2023 DUMDY ME wired the XXXX to XXXX XXXX at XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, WA.Now as luck should have it, XXXX XXXX sent me pictures of a horrible accident between a XXXX truck and a few other unrecognizable vehicles. The driver was in Intensive care. Next the Feds/Police consfiscated my funds. They held it at a Customs facility or at least the pictures he sent were of a US Customs Agent.To claim my money I had to pay an additional XXXX for some tax in order to release the money!!! I have been so sick to my stomach, not sleeping and scared out of my mind. I thought I might go insane and lose my mind. This is an atrocious sick game played by these criminal master minds.On XX/XX/2023 I wired my last amount of XXXX to XXXX XXXX at XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX. I went into my XXXX branch so humiliated, nervous and very frightened. I asked to speak to the XXXX XXXX XXXX XXXX XXXX. He was not in. i called him and explained I was conned by criminals and I desperately need his help getting all my money back plus additional funds for the release of all my Personal information on the dark wed!!!! He said he would look into this matter and call me back. he called once and was still investigating. he is a very difficult man to track down!!! I reported this to the FTC and another entity which is banking. They told me they don't handle these types of cases. If I had money I'd hire a lawyer to clear this disaster up, get all my monies back and press charges against attorney XXXX XXXX and XXXX XXXX. adly due to criminals I don NOT have the funds to pursue any legal action!! I am in an absolutely awful situation. I need to move out of my rental and have NO money to purchase a Townhome for me and my daughter!! I am so angry, frustrated, don't trust people and sickened my own bank where I've been banking for many years is NOT helping me retrieve all my money back!!! I am supposed to be looking for employment and can barely bring myself out of my bed these last years. It absolutely makes me sick to my stomach and I can not begin to imagine anyone doing this to another person. They should be forced to pay all my monies back and compensate me for all my personal information on the dark web!! I receive several scam, fraud phone calls everyday andnumerous bogus spam emails!!!! My printer is not working and I have all supporting documents in my home. | ||||||
| 10/26/2021 | Yes |
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| I have been a Chase credit card customer for roughly 2 years. When a Chase bank branch opened in my town, I decided to move my checking and savings accounts to Chase ( I liked the Chase mobile apps, had decent experiences with Chase as a credit customer ). On XX/XX/2021, I logged into my Chase account, using my Chase credentials and OTP verification. Once into my account, I selected the options online to open a new checking account. Chase prefilled my information, which I confirmed as correct, and concluded the account opening by sending me an email regarding the new checking account, and linking the checking account to my existing Chase online account. In the days following my online access, I deposited a check via the mobile app., to my new checking account, changed my direct deposit with my employer, and ordered checks for the new checking. On XXXX XXXX, XXXX, I received a call from the Chase Virtual Banker, welcoming me to Chase banking, offering to assist with my new account, etc. I received my debit card approximated XXXX XXXX and activated it from my cell phone per the card instructions, confirming my account numbers and other information. My direct deposit was directed the the new Chase checking on XX/XX/XXXX ; I proceeded to pay my typical bills from the new Chase checking account, including my Chase credit card. On XX/XX/2021, having a seemingly smooth three weeks of checking account transition, I again logged into my Chase online account ( same credentials and new OTP code ), and setup a new savings account. The savings account linked to my checking, and credit card ; online banking now showed 3 accounts with Chase. After completing the setup, I access my previous banks savings account online, to setup an external transfer to move the funds from my previous financial institution to Chase. XXXX XXXX, XXXX, I received notification from my previous bank that they had completed the small deposits for the external transfer linking, and that I need to verify the amounts to complete the transfer link. I attempted to access my Chase account via the mobile app., but was denied access, with a pop up notification stating that my account was locked due to suspicious activity and to call Chase . I called Chase, informed by the IVR of a 3+ hours hold time, requested a callback. Chase representative called me back approximately 2.5 hours later, and stated that all my Chase accounts had been restricted, to lift the restriction, I needed to go into my local branch to verify my accounts with my ID. My local branch had already closed by the time the call was made, and the Chase rep. informed me that I would not be able to access my accounts or funds until verification was completed. XXXX XXXX, XXXX, I walked into my local Chase bank, explained that I had setup new accounts, but that my accounts were restricted, and the Chase rep informed me I would need to bring my ID to the bank to verify. Apparently, there was only 1 " relationship banker '' that could assist me, and after waiting for 30minutes, I was able to speak with him. He verified my accounts, SS #, and drivers license, then told me that he was unable to lift the restriction, and would need to call into Chase. He called while I was in his office, provided a code to the rep.. He and the phone rep. had a brief conversation, that included the phrases " red flagged '' and " accounts closed ''. As the relationship banker concluded the call, he informed me that my new checking and savings accounts were closed or being closed by Chase, due to a " red flag '', and that no one was able to reactivate my accounts. My only option was to open a new set of accounts with Chase. I was told that my direct deposit scheduled for Friday from my employer would likely bounce back to my employer as the accounts were to be closed. The banker apologized, and informed me that Chase would not provide compensation for any bounced checks, transactions, overdrafts, etc. resulting from the account closing and Chase sending my finances into turmoil. I left the bankers office, incredibly upset, and urgently needing to call my payroll officer to attempt to stop my direct deposit to the Chase Checking. Once I'd stopped my deposit, I called Chase customer service to find out when my accounts were closing, and why ( what were the " red flags '' ), and how I access the remaining funds in my accounts. My first call to Chase customer service, ended with dead air ( rep answered, but never spoke, after a few minutes, I disconnected the call, and tried again ). The second call, I immediately requested a supervisor, the rep transferred me to dead air line ( call was answered, no one spoke, i disconnected ). Third call, I was informed I needed to speak with Fraud Dept., rep said she would transfer me, after over an hour on hold, the next rep. explained I needed the speak with the Fraud Dept., transferred me again. Finally spoke to XXXX with Chase Fraud, who informed me that my accounts were closed because I opened the accounts online, and because of suspected fraud ( not my fraud, or anything in my history to indicate fraud ) my accounts were flagged and could not be reactivated. This explanation made no sense, as Chase online offers the option to customers to open accounts online, so why would that flag the account, and I had existing accounts with Chase... I requested a supervisor, XXXX transferred me to XXXX. XXXX informed me that my accounts are scheduled to be closed XX/XX/XXXX. That if I went to the bank with proof of my residence and social security, along with other proofs of identifications, that they may be able to re-establish my existing account. If I choose not to continue Chase banking, I would need to provide this proof to my local Chase branch anyway to access my remaining funds. Also, if I choose not to continue to bank with Chase, the new account bonus, would need to be refunded to Chase. XXXX also informed me that the checking account was first flagged, and then the savings account - so two separate flags. And there was essentially no explicit reasoning for why my accounts had been flagged, but the new accounts team flagged the online accounts. Possibly because I used my laptop in my office to setup the accounts ( when I regularly access my account via the mobile app. ), even though I was fully able to verify the account and the OTP code online, and had used the laptop at work several times in the past 2 years to access my Chase account. XXXX, noted my account for local branch bankers, and I ended the call. I have not yet decided if I want to continue any financial relationship with Chase | ||||||
| 02/04/2023 | Yes |
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Web | Older American |
| I wanted to take a beginner options class from XXXX XXXX XXXX. On XX/XX/XXXX, I signed up for the beginner class which was {$790.00} About XXXX hours after I signed up, I received a phone call from XXXX from someone who stated they were the XXXX here He told me that he had gotten my name from my previous purchase and he told me the class that I signed up for was a waste of money and that I would not get a refund and he was pressuring me that I only had XXXX day for him to credit the {$790.00} to another subscription. I asked him to call my husband about the subscription because I wasnt sure about this. He said he didnt have time because he was finishing for the day. I then asked him what the total for this would be. He told me and I said no, thats too high. He said that he already put this through. I did not give him authorization to put this on my card. He then became very rude and sarcastic. I hung up and he called me back and he said, are you going to dispute this and I said yes and he then sarcastically chuckled and said our dispute department is excellent. On XX/XX/XXXX, I e-mailed XXXX, about this transaction and that I wanted to cancel my subscription due to this dishonest transaction I never heard back. I never confirmed these subscriptions on their company website so I have never used their services. After this dishonest experience I did not want anything to do with this company. I dont trust this company. I called Chase as soon as I hung up after this transaction on XX/XX/XXXX. I said I wanted to dispute this charge. Also, on the next day XX/XX/XXXX, I called Chase at the Fraud department and said I wanted a fraud charge placed on this charge and that I wanted my card cancelled. I did not want this person to have access to my card. I received some correspondence shortly after this from Chase that this was being researched. I did not hear back from the XXXX department until the middle of XXXX. They sent me a letter stating that there were no fraud charges due to me benefiting from this transaction. I did not benefit from this, I never used their services. I never opened their links to their e-mails. I never confirmed these purchases on their website. I then called XXXX at Chase and they told me to put this in for dispute again. I spoke to a XXXX at Chase on XX/XX/XXXX and explained everything again. He put the charges in for dispute again. He said someone would contact me by mail or phone. I asked him if they call will they leave a voice mail to say they are from Chase and he said yes. I told him I dont answer numbers that I dont know so I wanted to make sure someone would leave a voice mail. I did not hear back from Chase until near the end of XXXX. They sent me a form to fill out but only gave me XXXX days to send it back. I called Chase Disputes and the rep I spoke with asked me if I could fax it. I also mentioned to her that there was only XXXX amount being disputed on this correspondence which was XXXX, I told her there was another amount for XXXX, XXXX. She said yes and told me to write in the other amount. The next day which was XX/XX/XXXX I went to the local Chase and had the XXXX there fax it. I double checked with him and asked are you sure that went through and he said yes. About a week or so later I received correspondence from Chase that they had not received anything from me and were charging me for this purchase.. Again, I asked the XXXX at the local Chase if the fax had gone through and he said yes so this made no sense to me. I called Chase and spoke to a XXXX, I told her that I had sent the fax, she said she didnt know why they didnt receive it, she asked me if I could re-fax it again. That same day I went back to the local Chase and the rep there faxed it again and also e-mailed it to Chase. I called back Chase and the rep I spoke to said she didnt receive anything, I asked to speak to a XXXX again, I told her I had re-faxed the documents again. She checked and said yes they did receive it. I asked why the rep had just told me that they hadnt received the documents and she said she didnt know why the rep told me that. About XXXX weeks later I received correspondence from Chase that I had waited too long to dispute this charge. ( This makes no sense I called Chase on XX/XX/XXXX a minute after I got off the phone after this transaction ). So I then asked to speak to a XXXX, She told me Chase had made several attempts to call me. I asked if they left voice mails and she said yes. I said I had no record of voice mails. I also told her there was still only the {$790.00} on this dispute and that there should also be the {$2200.00}. She said since that is a separate charge that went in separately and would be processed separately. I didnt understand that. I told her I check my voicemails all the time and I did not receive a voice mail from Chase I then asked to speak with the XXXX office. I spoke to the XXXX Department and told her I was very upset about this. I explained the situation again. She put another dispute through. I then received an e-mail from Chase at the XXXX office saying she was researching this. On XX/XX/XXXX, she left me a voice mail basically stating the same thing that they had left me messages and I hadnt answered. I didnt receive any voice mails. She then stated the same thing that I had waited too long which made no sense. She said the charges were valid. She also said that I needed to get in touch with the merchant. I tried to get in touch with the merchant. They didn't respond to me, that and that was all described in my documentation. There is nothing valid here, this is a payment for XXXX for nothing that I used or benefited from. This company is receiving a payment for giving me nothing that I used especially since I disputed the dishonest charge the minute after it was put through and also I sent an e-mail to XXXX regarding this very shortly after this dishonest transaction was made and XXXX was the one that never responded back. I have XXXX XXXX XXXX service for my phone, it can be checked what voice mails I received. I sent a letter to the Chase XXXX XXXX regarding this. I didn't hear back and also on Thursday, XX/XX/XXXX, I gave permission for my husband to talk to Chase about this because we are both very upset about this. My husband was told someone would definitely call him back. No one from Chase called. This whole experience seems like i have been going around in circles with Chase and no one is helping me solve this. I have been a long standing customer with Chase and always pay my balance. I have good credit and this is very upsetting to be treated like this. | ||||||
| 09/25/2023 | Yes |
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| This is an email I sent to the company today XXXX that summarizes the problem : Dear All I CAN NOT BELIEVE I HAVE TO TAKE YET MORE TIME TO SPEND ON THIS SERIOUS SITUATION. I AM DISGUSTED WITH THE BANK AND NEED RESOLUTION NOW!!! I am the Primary Card Holder ( PCH ). XXXX XXXX was the Authorized User ( AU ) on the Chase Sapphire Card ( XXXX, now XXXX ). I REMOVED him from the account XX/XX/XXXX XXXX Prior to removal, I noticed that he created over 34 different merchant linkages using the Digital Wallet and/or Stored Card function, several with Repeating functionality. According to your Terms and Conditions ONLY the PCH has the ability to perform this task. How did Chase Sapphire allow him to do this? This means that even though I have REMOVED him from the card, he can STILL use the card with whatever merchants he had previously established linkages with! And he can even ask those businesses what the full number isnot just the last 4 digits. I have spent the last 6 days on the phone with Chase Sapphire Customer Service and Fraud over 15 hours of my time-EVEN GOING INTO XXXX XXXX XXXX XXXX XXXX HOURS speaking with at least 17 different people including supervisors in both departments attempting to get this AU FULLY OFF THE CARD! I am even on the phone RIGHT NOW! During these phone calls, I have been subjected to : inconsistent lists of Digital Walled and Stored Card merchants where what I see is different to what Fraud sees and is different to what Customer Service sees. Why? All lists should be IDENTICAL! Being told that all merchants he linked were blocked and or deleted -- BUT THEY ARE STILL THERE! being told that I just need to watch the statement every second and if a charge comes in from the merchant of the AU, to call Chase Sapphire Fraud being told by a supervisor ( XXXX XXXX XXXX approx XXXX XXXX XXXX check your phone recordds ) when I asked to talk to another supervisor because she was rude, that there was no one else to talk to and even if there was she could not until she verified me with security questions. XXXX XXXX She also told me that we would be working on her timeframe/schedule, not mine, when I told her I have been inconvenienced time and time again with the bank. IF A CUSTOMER ( ME ) ASKS TO TALK TO A SUPERVISOR, EVEN WHILE TALKING TO A SUPERVISORTHE CUSTOMER 'S REQUEST NEEDS TO BE GRANTED, PERIOD!!! SO WHY DID THIS HAPPEN? being told that the AU was on the XXXX account but that XXXX was a DIFFERENT account. What? XXXX is the SAME account as XXXX, just a different number! call being disconnected after talking to Fraud for over 1 hour, but then NO ONE called me back. You have my phone number! Fraud continuously trying to transfer me to Customer Service when Customer Service does not handle Fraud Fraud sometimes being able to see the linked merchants, but talking to someone else in Fraud, they can not see the linked merchants. I had to JOIN Fraud and Customer Service 3 times on 3 different calls so we could all talk to each other. Waiting on hold for 45 minutes to talk to Fraud to just be transferred over to Customer Service when I told them I do NOT want to be transferred because I needed to talk to Fraud. being told that the recurring linkages will last for 3 months or more, even when removed and that I just have to watch the card charges myself to see what comes in and if something comes in, to call Fraud being told that the AU user is off and I have nothing to worry about being told to call all 34 plus merchant linkages individually ( ( REALLY?!? ) and tell them to remove the card from their records. HOW AM I SUPPOSED TO DO THAT? SHALL I JUST PRETEND MY NAME IS XXXX XXXX? BECAUSE HE CREATED HIS OWN ACCOUNTS WITH THESE BUSINESSESWHICH HIS THE PROCESS FOR CREATING THESE LINKAGES ON THE MERCHANT END. If I am told by Chase Fraud to just " call the merchants myself '' well that is FRAUD BECAUSE I AM NOT XXXX! I was SUBJECTED to all the above because all I wanted to do was SIMPLY REMOVE the AU from the card - which I did XX/XX/XXXX, but then look at this XXXX XXXX XXXX XXXX XXXX BOTH XXXX AND XXXX XXXX ( WHICH IS NOT THE PRIME STREAMING SERVICE- AT LEAST THAT IS WHAT ONE OF THE MANY SUPERVISORS SAID ) ARE FROM THE AU 'S LINKED MERCHANTS. THIS IS FRAUD! HOW DID THIS HAPPEN? So this means that all the time and energy I spent sifting thru your garbage mess of your " Fraud '' department results in -- guess what -- FRAUD! I had the cops here last night because the former AU is STILL GETTING THRU, so basically he is using MY CARD. An XXXX charge from XXXX and and a XXXX XXXX movie charge from XXXX. Both of which I did NOT make. The AU did! I AM FED UP! Spending my life on the phone with Chase for over 15 hours has given me XXXX, WORRY and DISGUST with the bank. I have gotten less than 4 hours of sleep. I wonder, does he have my full 16 digit number and is he shopping elsewhere? When is he going to strike next!? There are clear issues where Fraud does not know what Customer Service is responsible for handling and vice versa. It was not until the XXXX hour spend on the phone when I was provide the Terms and Conditions where only the PCH could create these merchant linkages. Everyone else I talked to acknowledged that it was OK for the AU to establish these linkages. I have been a loyal customer for OVER 35 YEARS. Are your departments so poorly trained that I have to suffer? The Customer, at least by your mission statement, is supposed to be treated with professionalism, respect, and above all, given ACCURATE, CONSISTENT INFORMATION EVERY TIME. I can't believe I am having to spend yet MORE TIME writing this letter to you. It is not my job as a Customer to be a guinea pig to TEST OUT your failures with Fraud. I WANT HIM OFF PERIOD! This should have happened XX/XX/XXXX! BUT NO, HE IS STILL GETTING THRU. This is SERIOUS, FRADULANT Situation. AT this point in time, I have ZERO idea of what the Fraud Dept is doing/has done because the call got cut off and the supervisor I was talking to ( XXXX XXXX or XXXX was his name last night ) did not even bother calling me back. I spent 49 minutes trying to call Fraud back but I was on hold, talked to a rude supervisor ( XXXX XXXX ) who refused to get me another supervisor. I want to make sure that if ANYTHING was deleted from the merchant list, that the linkages that I created AFTER XX/XX/XXXX were NOT also deleted. Do I need to get a new card number AGAIN? But if I do, will this be the SAME EXACT XXXX XXXX XXXX XXXX again!!? I EXPECT ANSWERS AND RESOLUTION NOW! AND I WILL ONLY TAKE THOSE IN WRITING SO DO NOT CALL ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 02/09/2018 | Yes |
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Web | Servicemember |
| Frauding scams using my documents frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana of XXXX Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams using my brother documents of XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XX/XX/1971 All white documents Fraud scams using my XXXX and XXXX of XXXX Indiana and Michigan State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX born in Michigan State ) my XXXX was was a XXXX XXXX retiree, and XXXX a XXXX XXXX retiree, my grandmother of XXXX XXXX of XXXX Indiana was a XXXX XXXX XXXX XXXX and a XXXX XXXX retiree. Fraud scams also frauded her mom and dad of my great great XXXX parents of XXXX XXXX XXXX married to XXXX XXXX of Sir name of XXXX both decest closed out social security data and a serial number corners record and private grave of XXXX Indiana. Fraud scams frauding my great great great grandma and grandpa of serial numbered documents using XXXX XXXX XXXX married to XXXX XXXX. All death record 's and serial numbered documents. Fraud scams using XXXX XXXX XXXX of XXXX XXXX Indiana who is dead Frauding XXXX XXXX and my brothers XXXX XXXX accreadition of XXXX XXXX XXXX as registrations as classes and XXXX XXXX, through XXXX XXXX Indiana XXXX XXXX XXXX. Frauding scams using XXXX XXXX dead Mom documents of XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Fraud scams using XXXX XXXX documents married in XXXX XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using my birth certificate long form of doctors listed using XXXX XXXX XXXX XXXX XXXX of my XXXX XXXX Indiana serial numbered documents. Frauding scams using my immazation record 50 states which included others in the state of Indiana frauding my documents 50 states resterant franchises tore into my documents to create food products Frauding scams using resterant dinners menus frauding my documents as menus Fraud scams as banking business permits and shopping malls and radio and media and Media scripts and songs Fraud scams using auto stores and medical clincs Fraud scams frauding as doctors and dentists Fraud scams using Brand advertising and marketing Frauding my documents as business permits as factorys Frauding scams frauding my documents as building permits and court building and legal business permits Frauding scams frauding my documents as others boats and boat marina Fraud scams using my documents as politican listings Fraud scams frauding my documents as mass transportation Fraud scams frauding my documents as school and college and universities and teaching staff and books and book credits Fraud scams frauding my documents as insurance company workers and insurance company name 's Frauding scams frauding my documents as reality company workers and business Fraud scams frauding my documents fraud scams as construction business permits scams listed Fraud scams frauding my documents as semi trucks companies and CDLs business permits scams Fraud scams frauding my documents as colleges building permits sinage Fraud scams frauding my documents as judges and attorneys and lawyers and law partners Fraud scams frauding my documents as train and travel related business naming scams Fraud scams frauding my documents as herds XXXX scams and using other kids Fraud scams using my documents as herds of investment reps and investment business permits name Fraud scams using faa related frauding scams Fraud scams frauding my documents as police and sherrifs Fraud scams frauding my documents as herds IDs and herds business permits Frauding my documents as XXXX and XXXX other XXXX or XXXX IDs I am not willing to accept over 65 percent of XXXX using my documents, federal block don't ask me out, federal not interested in certain states, XXXX I won't ever consider marrying in to any family from blocked states,. All XXXX XXXX town inculded. The XXXX plus Wisconsin state making 6 fraud my documents as herds scams and business and sinage and land development and don't comply..they also move in others states business and don't hire as all those states also frauded me documents. Others created retailers sounds and landdelopments using my documents frauding using XXXX XXXX XXXX of XXXX XXXX Indiana as herds of XXXX business permits and herds of XXXX XXXX Fraud scams using my XXXX and XXXX and XXXX documents as land delopments Ideas and IDs scams and business Fraud scams using over 179 locations of retailers XXXX XXXX and XXXX XXXX reaction and XXXX XXXX Fraud scams using auto stores.. Fraud scams using radio. Frauding scams using XXXX and RV sales Fraud scams using theater groups Fraud scams using submission sinage and apartment building permits and apartment building owners Fraud scams using racing and auto workers and auto fiance personal and auto repair frauding my documents Fraud scams using festivals Fraud scams using using casino advertising and hotel advertising Frauding scams frauding using adult entertainment herds frauding using XXXX off my XXXX birth certificate Fraud scams frauding my birth certificate long form of XXXX XXXX XXXX of XXXX XXXX Indiana as auto stores and sinage and banking permits and herds of IDs scams Frauding scams using XXXX rain bank Frauding scams using XXXX XXXX bank Fraud scams using IRS retailers. Frauding scams using herds of XXXX towns and XXXX business permits and XXXX XXXX off my XXXX XXXX XXXX XXXX documents and XXXX base Federal not interested in my documents as familys to date or move to, count me out as a customer and there federal not authorized like that anymore. 16 counties of Michigan State and Florida State and Nevada state frauded my documents as herds of frauding scams others familys and business permits scams. Federal not authorized. Federal not interested in Florida frauding my documents in all 16 counties. Fraud azorina scams to and using sinage but all 50 states pulled that frauding my documents. Federal not interested in Nevada frauding my documents in all 16 counties no one from my family 's is married into Nevada, federal not interested. Federal not interested in being squcked out or sauacked out town's.. Others frauded my XXXX Indiana as IDs and business and travel buses Other frauded XXXX Indiana as IDs. Others frauded XXXX Indiana as others states business Other frauded XXXX Indiana as IDs Fraud scams using Indiana school documents as IDs scams and counter business permits by others states Frauding scams frauding my whole documents stack in XXXX and XXXX and as towns and retailers Frauding my documents in XXXX and XXXX light business permits scams and light XXXXDs scams in those two counties. | ||||||
| 05/11/2018 | Yes |
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| RE : CHASE CREDIT CARD, EXECUTIVE OFFICE XXXX XXXX XXXX XXXX XXXX, OHIO. XXXX I am submitting a formal complaint against Chase Credit Card. They do business in the State of Florida, and their business practices and dispute resolution process are both falling below the standards that Florida would most likely set. I used my Chase Sapphire Credit card to prepay for some elements of a renovation project I was doing was XXXX XXXX. You were previously notified that I reported this company to your office for fraud. I received your kind acknowledgment of my complaint. XXXX XXXX breached its contract by not communicating with me twice daily as required by the contract itself. They were subsequently terminated. Chase paid XXXX XXXX {$11000.00} toward the project, whose entire cost was {$25000.00}. Once I terminated the relationship, the company refused to return any of the monies. They did no work in the condo, and the final invoice, attachment D-2, was filled with areas of fraud and included services that were obtained without my permission and without logs or receipts. I communicated to Chase that the company was involved in fraudulent activity and their response was that they would pay the company even if fraudulent activity was involved. Specifically, they said that they would pay for any work competed. I found this another unacceptable business practice. This is true especially since their was no essential work done on the condo, and the elements of preparation including partially completed permit applications, diagrams obtained without discussion and undocumented meetings without logs including with the HOA of the condo I will live in. In fact the invoice stated that three ( 3 ) hours were spent with the HOA manager, and I have an email from the manager/asst. stating that only 30 minutes were spent with them, attachment J. Chase Credit Card was given over 100 documents, photographs, test messages, emails and even voice mails that substantiated my position. The merchant responded and chase requested that I resubmit all the documents again in order to reply. This is not an acceptable business practice. It implies that Chase did not review any of the 100 documents in the first place. I sent Chase the final invoice, attachment, in the amount of {$3700.00}. However XXXX XXXX wrote a letter, attachment B, indicating that they intended to keep all {$11000.00} for the contract not being terminated correctly. They appear to state I was present during the point of service, which is false. First, the contract was terminated correctly and XXXX XXXX sent written correspondence twice, attachments C and F, acknowledging it. Second, Chase for all purposes should have sent a refund of the difference of the very minimum of {$7800.00} during all of this time. Instead I was told they would not investigate anything related to fraud and simply pay for work done even if it was fraudulent, another unacceptable business practice. A major unacceptable business practice is that Chase had four ( 4 ) employees tell me that I had already received a full refund, and that the temporary credit Chase had placed on my account was now a permanent credit. Chase told me later that all four employees were wrong and that the would not take responsibility for the error and issue the refund, but instead continue the dispute process, which, as I mentioned has been overly lengthy and redundant. I have attached the two written emails from two of the employees from Chase, indicating in writing that a full refund was issued, attachment H-2 and H-3. I also have the names of the other two employees, who, on recorded lines, indicated that I had a full refund issued, and that it was not a temporary credit. These are XXXX XXXX. In XXXX XXXX at XXXX XXXX on XX/XX/18 and another employee named XXXX a few days prior. Further, Chase involved a poor business practice by writing to me, attachment letter I and only acknowledging the mistakes made on the telephone by their company. They appear to have intentionally not addressed that two of the employees above submitted written responses, attachment H2 and H3, indicating that the refund was permanent. To make matters worse, in paragraph four ( 4 ) Chase writes we are sorry that you had difficulty understanding our specialist. There was nothing to misunderstand, I was told that I had a permanent refund from four employees and am not being awarded that refund and instead being told to continue a dispute that has go on far too long and has not really been reviewed seriously by their company. They instead chose to apparently ignore the over 100 documents submitted to them. An honest and ethical credit card company who employees four persons that all made an egregious error of this magnitude regarding written and verbal assurances of a permanent refund, should take accountability for it. Instead, as per the attachment letter I, they refuse to do so. In Florida, I believe it would not be considered an acceptable business practice for a dispute of this nature to go on for this period of time when all documentation has been clearly submitted the first time, and promptly at that. I am enclosing the letter I wrote to Chase, attachment AA-1, which goes into detail my current response as well, indicating the nature of each element of fraud by XXXX XXXX. Chase is now indicating that if the merchant does not agree to the original promised refund, that Chase will actually return the monies to the merchant, exposing me to high risk of never having the funds returned to me, and they will also force me into arbitration with XXXX. It should never have to get that far, in a case with such clear and obvious documentation. This demonstrates a very obvious incompetence on the part of the credit card company in terms of reading support documents and an unwillingness to recognize the consumer fraud which is obvious on the part of the merchant involved. There are multiple poor business practices that the attorney general should investigate, which include 1 ) promising a refund by four employees, and then not giving it, 2 ) overly delaying a dispute 3 ) not apparently reviewing over 100 documents submitted to them 4 ) asking for complete repeat documentation again for them to respond to the merchant without apparent review of the documents submitted when they had everything to begin with. 5 ) Insisting on paying a company for services when fraud is involved and documented. Thank you for your help in what is a very stressful matter and a completely unacceptable manner of doing business with citizens of the State of Florida. | ||||||
| 10/03/2019 | Yes |
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| This letter is the letter sent to notify Chase Bank of the error in the interest rate charged on my account. Sometime around mid-XXXX XXXX, I received an Opt Out notification from Chase stating the interest rate ( was 9.24 % ) would increase unless I requested to opt out of the new agreement. I contacted Chase, requested to opt out and keep the current 9.24 % rate. I was advised at that time if I opt out, the account would be closed. I agreed to close the account and retain the current interest rate of 9.24 %. The account was closed at the interest rate remained at 9.24 % as agreed. XX/XX/XXXX The XX/XX/XXXX payment of {$130.00} was returned in error. I contacted Chase and explained the error and Chase credited all associated fees and interest back to my account. o Statement Closing Date XX/XX/XXXX Payment ( {$130.00} ), Returned Payment ( {$130.00} ), Late Fee ( {$39.00} ), Returned Check Fee ( {$39.00} ) o Statement Closing Date XX/XX/XXXX - Late Fee Reversal ( {$39.00} ), Returned Check Fee Reversal ( {$39.00} ), Interest Charge Reversal ( XXXX ), Interest Charge Reversal ( XXXX ) o No other transactions occurred on this account except automatic payments made and interest charges added. Statement closing XX/XX/XXXX - Interest increased to 14.24 %. I contacted Chase and the issue was escalated. Statement closing XX/XX/XXXX - Interest rate increased to 19.24 % Statement closing XX/XX/XXXX Interest rate increased to 19.49 % Statement closing XX/XX/XXXX Interest rate increased to 19.74 % Statement closing XX/XX/XXXX Interest rate increased to 19.99 % Statement closing XX/XX/XXXX Interest rate increased to 20.24 % Statement closing XX/XX/XXXX Interest rate increased to 20.49 % Statement closing XX/XX/XXXX Interest rate increased to 20.74 % Statement closing XX/XX/XXXX Interest rate increased to 20.99 % Statement closing XX/XX/XXXX Interest rate increased to 21.24 % Statement closing XX/XX/XXXX Interest rate increased to 21.49 % As you can see, the interest rate was increased 11 times since my opt out. My current interest rate should be 9.24 % not the current 21.49 %. This letter is to request my account credited for {$2200.00} over charge in interest the past 4 years. A spreadsheet is attached detailing the month by month over charge. **************************************************** Chase Response XXXX : Hello XXXX, We received your message disputing the interest charges on the account ending in XXXX. XXXX, your account had a variable annual percentage rate ( APR ) based on the U.S. Prime Rate. Hence, the periodic increase in the APR. Please note that there was not an error with the APR on the account, and the account didn't qualify for a courtesy refund. We appreciate your understanding in this matter. Here 's what you need to know about variable APRs : - The APR may increase or decrease each month if the U.S. Prime Rate changes. - If the APR increas es, you will pay a higher interest charge and may pay a higher minimum payment. Here 's how we calculate your variable APR : - We add a margin to the highest U.S. Prime Rate published in the Money Rates section of The XXXX XXXX XXXX two business days ( not weekends or federal holidays ) before the closing date shown on your billing statement. - We apply the new rate the first day of your billing cycle in which the Prime Rate changed. - The Prime Rate is simply a reference index and is not the lowest interest rate available. - If the XXXX XXXX XXXX stops publishing the Prime Rate we will select a similar reference rate. We value your relationship with us, and we hope that the information we provided is helpful. Your Cardmember Agreement explains your full account terms. Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service. Thank you for choosing Chase. ******************************************************* XXXX Response : Date : XXXX XXXX To : Chase Card Services Subject : Re : Fees/Interest Charges Message : Did you even read my letter? Yes, the rates are variable. However I received a letter from Chase to " opt out '' which included closing the account and paying the remaining balance until paid at the 9.24 %. Also, I did not say there was an " error with the APR ''. Please forward this to someone that is knowledgeable on the regulatory requirements of the Credit Card act including " opt out ''. I am forwarding this letter to the BCFP ( formally CFPD ) also because clearly Chase system is not designed to accommodate the opt out changes. ********************************************** Chase Response Date : XXXX XXXX From : Chase Card Services Subject : Re : Fees/Interest Charges Message : Hello XXXX, Thank you for contacting Chase with your concerns about the increase in the Annual Percentage Rate ( APR ) on your Chase Ink Cash Business account. I am sorry as your inquiry wasn't completely answered by our previous email. XXXX, your inquiry has been escalated. I understand that you rejected the change in terms and your account was closed on XX/XX/XXXX. With your business card, when you do not make your minimum payment by the due date, the default APR apply. The default APRs would apply to all outstanding balances and future transactions on your account. Certain situations, such as late payments, a past due status, an over-limit condition, a returned payment, or any other default reason contained in your Cardmember Agreement ( CMA ) may cause your account to move to a higher APR ( even after account closure due to rejection of change in terms ). If your APR changes, we'll notify you by mail, and the new rate will start 45 days after we send you a notification. So, if you miss any payments or if the account is past due, your APR can increase on a business card. This is where a business credit card is different when compared to a personal credit card. Our records show that because of late payments in the year XXXX, your purchase variable APR was increased from 9.24 % to 14.24 % and then to 19.24 %. Subsequent increase in the Prime Rate by the Federal Reserve has resulted in a further increase in your APR and it is currently at 21.49 % variable. So, please be assured that the interest which we have charged you over the years is correct and has been calculated according to the terms of the business cardmember agreement. I hope I was able to clarify this for you. If you would like to discuss this further, please call us at the customer service number mentioned below. Thank you for your business with us. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX | ||||||
| 05/04/2017 | Yes |
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| In XXXX XXXX , Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XXXX XXXX XXXX monthly payment on XXXX XXXX , after getting home from work. On XXXX XXXX , XXXX , I notice XXXX withdrawls from Chase, XXXX for the amount I scheduled for {$1300.00 0} ( a dding extra to cover half of a late fee ) and another for {$1300.00} ( our normal mortgage payment ). I contacted Chase and was advised both payments were scheduled on the XXXX at 2 different times ; the {$1300.00} was scheduled during a timeframe I was in a meeting at work ( with no access to a computer or phone ), and the {$1300.00} was scheduled at the time I scheduled it, after getting home from work. I advised Chase I only scheduled one pa yment and no one has access to the account information, but me and them and therefore the payment for {$1300.00} was an unauthorized withdrawl and requested the unauthorized withdrawl to be refunded, and Chase p ut in a request. Due to the unauthorized withdrawl of {$1300.00}, we suffered overdraft fees and I requested the overdraft fees be reimbursed, but was told Chase would have to do research. The unauthorized withdrawl of {$1300.00} was returned to our account on XXXX XXXX , XXXX , but not our overdraft fees. Due the withdrawl being unauthorized, I began the dispute process with my credit union for the overdraft fees on XXXX XXXX , and the fees were later overturned by my credit union, as Chase had returned the funds. On XXXX XXXX , XXXX , we received a letter from Chase with their findings stating that the payment for {$1300.00} was scheduled on XXXX XXXX , XXXX for an effective date of XXXX XXXX , XXXX , which is inaccurate and false as I was told by Chase the unauthorized withdrawl was scheduled on XXXX XXXX , XXXX and checked for pending payments prior to scheduling our payment of {$1300.00} on XXXX XXXX . When making our XXXX XXXX payment, I noticed it showed that we still owed for XXXX , so I contacted Chase an d they advised, both payments of {$1300.00} were returned to our credit union account, but there was only one payment of {$1300.00} ( t he unauthorized amount ) and the authorized payment amount of {$1300.00}. I let Chase k now that we only received XXXX returned payment of {$1300.00} and they began to investigte. On XXXX XXXX , XXXX our credit union provided us a manual credit in the amount of {$1300.00} for the dispute, but the funds have been on hold since they were deposited into our account, since Chase returned the payment of {$1300.00}. Chase is continuing to hold the manual credit against us, stating that the fu nds are from Chase, even a fter I have had a conference call with our credit union and Chase and Chase w as advised the credit came directly from our credit union. I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, at one point stating that the payment for {$1300.00} was returned due to insufficient funds ; which again is inaccurate and false and has been proven by our bank statements that both payments of {$1300.0 0} ( u nauthorized ) and {$1300.00 } ( a uthorized ) cleared our account, Chase h as asked for our bank statements twice and conference calls with our credit union to verify there was a credit given to us by our credit union and we have complied with all they have asked. However, we have ask ed Chase for transaction IDs or trace IDs for the refunds, but Chase will not p rovide them. On XXXX XXXX , XXXX , I spoke with a rep from Chase and he advised he did see our funds there, b ut could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XXXX XXXX , XXXX , I made another call t o Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call fro m Chase o n XXXX XXXX , XXXX advising we are still a month behind. I have since been in contact with the Chase Executive Offices and have been advised, Chase is still holding the manual credit from our credit union over our heads. I have advised th e Executive we have been dealing with, that Chase has recorded calls to verify that the manual credit of {$1300.00} is not from Chase, bu t from our credit union, but they refuse to listen to the conversations. We were asked by the Executive to obtain a letter from our credit union advising the funds came from them and I do have the document. This process has been long and tedious and has cost me numerous hours of research and time away from work as well as my family. In addition to having our credit repaired, I am now asking for compensation for my time a s Chase h as had all the information at their fingertips, but has failed to use their resources. The have refused to listen to recorded conversations, review documentation provided, and have not contacted my credit union even though they have permission and a direct number to contact for any questions they have. Through all of this , Chase has never addressed the payment I did authorize in the amount of {$1300.00}, and it has never been applied to our account, because if it were applied, Chase would not be showing us as behind one month. Chase has lost our funds and refuses to correct their mistake. Chase h as changed their story numerous times, going from the draft of {$1300.00} was authorized, to the funds were NSF on XXXX / XXXX / XXXX and returned to our account, then to them working with our credit union and sending the funds back to us, which they have not. Chase is stat ing the funds that show as a " CREDIT MEMO '' on our statement are from them, when our credit union has provided proof that they are not, and that the " CREDIT MEMO '' is in fact from our credit union as a direct result of the dispute filed with them against Chase. Chase requested proof that the " CREDIT MEMO '' was from our credit union, in the form of a letter on our credit union 's letterhead, and we obliged as did our credit union, but Chase has yet to realize or correct their mistake. | ||||||
| 01/23/2023 | Yes |
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Web | Older American, Servicemember |
| On the morning of XX/XX/2022, I was notified on my phone that I had several unauthorized XXXX charges for {$1300.00} each, all for an XXXX XXXX Purple that I did not order. When I called XXXX XXXX XXXX and explained why I was calling, I was escalated to a senior manager named " XXXX. '' XXXX said that most of the unauthorized charges were blocked, but that one charge for {$1300.00} got through. XXXX said XXXX was having trouble with hackers and that he needed to block them. He asked me to sign into my XXXX account and then allow him to take control of my computer so that he could install security software to block the hackers. Then I see a blue screen that says, " Software Updated, Please Wait '' and I can't see anything else. XXXX assures me that he is blocking the hackers and that the software will take some time. Then I get my screen back and I see a window with a prompt that says, " CHASE BANK CHECKING ACCOUNT XXXX '' which are the last XXXX digits of the Chase Checking account associated with my XXXX account XXXX Below this I see the continuation of the prompt that says, " AMOUNT : '' and I am told by XXXX to enter {$1300.00} to be reimbursed for the unauthorized charge that got through. He specifically says for me to enter " Dollar sign, XXXX, XXXX, XXXX, XXXX, XXXX '' which I do exactly as he says. What returns is a statement that says, " {$41000.00} HAS BEEN DEPOSITED IN CHECKING ACCOUNT NUMBERXXXX. " At this XXXX says, " Oh no! The dollar sign must have been interpreted on your keyboard as a 4, since they are both on the same key. Oh no! I'm going to lost my job over this! This will take weeks and weeks to resolve and XXXX may even take legal action against you and me! '' He asked me to login to my Chase account and see for myself that a deposit for {$41000.00} was just made to my Chase Checking account number ending in XXXX. I did and sure enough, {$41000.00} had just been deposited into my checking XXXX.I told him that I appreciated him trying to reimburse the {$1300.00} unauthorized charge and asked what was the process to return the excess reimbursement. He said the easiest and fastest way to resolve the issue was for me to send a wire transfer. He said that he would text me the information required for the wire transfer and that I was to transfer {$39000.00} since there will likely be bank fees. From mobile number XXXX he sends me : Recipient Name : XXXX XXXX XXXX Account Number XXXXBank name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX went to the Chase Bank branch at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and processed the wire transfer for {$39000.00} from my Chase Checking account number ending in XXXX asked me to take a photo of the receipt and text it to him, which I did. He assured me that the matter was resolved, but to leave my computer on, not do any financial transactions with it, and we would speak again at XXXX XXXX the next morning, XX/XX/. When we spoke the next morning, XXXX was agitated and said, " It happened again! This time it must have been a problem with our ( XXXX 's ) system. '' XXXX said that he is certainly going to get into trouble and that I needed to immediately get to the bank to do another wire transfer. This time, for {$39000.00} because of fees and he wanted to leave some extra money in my account as compensation for my inconvenience. Again, XXXX released my computer screen and asked me to login to my Chase account. I saw that a second deposit of {$41000.00} had been made to my Chase Checking XXXX account. Therefore, I went to the same Chase Bank branch and processed a second wire transfer, this time for {$39000.00} to : Recipient Name : XXXX XXXX Account NumberXXXXBank name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said that we would have to speak again the following morning to make sure each of our accounts had the proper amount of money and that the security software to block the hackers was finished. When it was time for us to speak on XX/XX/XXXX XXXX put me off saying he was in urgent meetings. I told him that I was trusting him and XXXX repeatedly assured me to trust him. The multiple delays and my anxiety gave me time and motivation to turn-off my computer to interrupt the " hacker security software '' and then restart my computer. Once restarted, I logged into my Chase account and saw account balances for 1 Savings and 3 Checking accounts that looked odd. I could see 5 unauthorized transfers between Chase Savings XXXX, Chase Checking XXXX, Chase Checking XXXX, and Chase Checking XXXX.It seems that XXXX ( without my authorization ) transferred {$41000.00} from Chase Savings XXXX to Chase Checking XXXX for me to see that a new deposit of {$41000.00} had been made to the Chase Checking account associated with my XXXX account XXXX This was the first " over reimbursement '' for which I was instructed to make a {$39000.00} wire transfer. Then, because Chase Savings XXXX did not have enough balance to make another {$41000.00} transfer into Chase Checking XXXX, XXXX ( without my authorization ) transferred {$18000.00} from Chase Checking XXXX and {$6000.00} from Chase Checking XXXX into Chase Checking XXXX. This was the second " over reimbursement '' for which I was instructed to make a second wire transfer of {$39000.00}. In total, {$79000.00} was wire transferred from Chase Checking XXXX to banks in XXXX XXXX. My wife and I immediately went to Chase at XXXX XXXX on XX/XX/2022 to start an investigation from their side and to stop the wire transfers. While at Chase bank, I checked my XXXX account and saw that it had been reduced from nearly {$1300.00} to {$7.00}. When I confronted XXXX via text at XXXX he said, " Just file a case with your bank... You will get each and every penny. Both the amount have not been cleared with XXXX XXXXXXXX XXXX. You can do a swift recall and you will get your money back. Just tell your bank to do a swift recall. '' I told him that my XXXX XXXX XXXX XXXX account had also been wiped-out. XXXX did not respond. I asked him to reject both wire transfers. XXXX did not respond. XXXX XXXX number XXXX documenting unauthorized withdrawal of {$1200.00} on XX/XX/2022. At XXXX XXXX my XXXX balance was {$1200.00} and at XXXX XXXX is was {$7.00} ( unauthorized withdrawal of {$1200.00} ). | ||||||
| 02/07/2022 | Yes |
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Web | |
| JP Morgan Chase Card Services vendor for car insurance denied my claims inexplicably, despite no documentation or evidence. Please see my appeal pasted below : Dear Sir/Madam, Please accept this email as my Appeal of Claim # XXXX ( claim attached hereto ). Card Benefit Services ( " XXXX '' ) has denied my claim stating only : " The class/type of rental vehicle is not covered under the Auto Rental Collision Damage Waiver Benefit. '' XXXX failed to provide any indicia for its conclusion and my repeated requests to both XXXX and Chase for a copy of the policy and a published list of excluded vehicles proved entirely fruitless. I was left to examine the only sources of relevant information available to Chase cardholders, to wit, " Chase XXXX 's Guide to Benefits '' and XXXX 's " FAQ '' ( the latter merely tracks the Guide to Benefits ) to discern the basis for denial of my claim. Chase XXXX 's Guide to Benefits for its Chase Inc. Business Preferred Card, ( the " Guide '' ) states that the auto rental collision damage waiver ( " XXXX '' ) benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. In fact, the Guide states that primary coverage is provided when renting primarily for business purposes ( as was the case here ) or renting outside your country of residence for personal reasons, or if you do not have automobile insurance. As I rented a 2021 XXXX Land Cruiser ( the " Vehicle '' ) in the United States primarily for business purposes, coverage should be provided so long as the Vehicle is not excluded and I have fulfilled the other conditions. The XXXX provides the following steps to ensure that XXXX is in effect at the time of rental : ( XXXX ) Initiate and complete the entire rental transaction using your card that is eligible for the benefit. ( XXXX ) Decline the rental company 's collision damage waiver or similar provision if it is offered to you. The fact that I fulfilled both of the foregoing conditions is not in dispute. The Guide provides additional information under the heading " Is there anything else I should do when Im renting a vehicle? '' " Its always a good practice to review the rental agreement and become familiar with its terms and conditions. Also make sure you decline the rental company 's XXXX option as mentioned above. Check the vehicle for prior damage before leaving the rental lot. '' I reviewed my rental agreement and declined the rental company 's XXXX option . Moreover, there is no term or condition which I violated by renting the Vehicle, nor was there any damage to the Vehicle prior to my leaving the lot. Therefore, I fulfilled the additional requirements for coverage provided in the Guide. Under the heading " When and where am I covered? '' the GuidXXXX states : " The benefit is available in the United States and most foreign countries. Coverage is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement. '' Thus, the Guide specifically states that the benefit is available in the United States and most foreign countries, which is consistent with Chase 's global coverage ( which now includes previously excluded countries ). Moreover, coverage is not prohibited by any law, or by an individual merchant, nor is coverage in vioation of any territory terms in my rental agreement. My rental agreement states only : This vehicle may not be driven into XXXX. Therefore, since the rental agreement does not exclude the Vehicle as to coverage in any territory besides XXXX, the territory exclusion is not applicable and therefore coverage per the Guide is available in the United States. As to what types of rental vehicles are not covered, the Guide provides the following information regarding exclusions : " Excluded worldwide are : expensive, exotic, and antique automobiles ; cargo vans ; vehicles that have an open cargo bed ; trucks ; motorcycles, mopeds, and motorbikes ; limousines ; and recreational vehicles. '' It is patently clear the Vehicle does not fall into any of the foregoing categories, and importantly does not fit within any of the provided examples of expensive or exotic brand automobiles. Accordingly, by the Guide 's own terms, the Vehicle is not an excluded vehicle. XXXX has not asserted that I have violated the auto rental agreement in any way. Indeed, XXXX 's standard letter of eligibility ( sample attached ) states that when using a Chase Bank XXXX card primarily for business purposes, the cardholder is eligible for worldwide coverage under the auto rental collision damage waiver benefit, where, as here, coverage is not prohibited by law or by individual merchants, or in violation of the territory terms of the rental agreement. I have already demonstrated that the foregoing condtions have been met. Additionally, as the five ( 5 ) conditions listed in the eligibility letter have also been unequivocally satisfied, coverage of my claim is not prohibited by Chase 's and XXXX 's published Guide/FAQ 's and therefore XXXX 's denial is impermissible as it lacks a legal basis. Chase 's refusal to provide its cardholders with a copy of its policy and a list of excluded vehices demonstrates bad faith. Without this information a cardholder is unable to make an informed decision regarding rental collision damage waivers. In my case, in reliance on the Guide 's misleading and incomplete terms, I declined the loss/damage waiver offered by the rental company -- which has deprived me of another source for coverage. I am left to conclude that XXXX 's denial of my claim is wrongful and in possible violation of state and federal auto insurance fraud statutes and consumer protection regulations. Moreover, the patently inadequate information Chase and XXXX provide to cardholders appears to contain deceptive advertising. In view of all the foregoing, I hereby request that XXXX reconsider the denial of my claim and approve same as eligible for coverage under the XXXX benefit. In the event XXXX maintains the denial of my claim, I hereby request a detailed explantion for the basis of XXXX 's conclusion that the Vehicle is excluded from coverage, as well as a copy of Chase 's auto rental XXXX benefit policy and a list of excluded vehicles. Failure to provide this relevant information to which I am entitled as a cardholder and a consumer, will leave me with no alternative but to seek the legal redress to which I am entitled under state and federal law. Please be guided accordingly. Regards, XXXX XXXX | ||||||
| 08/11/2022 | Yes |
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Web | |
| The below is a warning to all to stay away from Chase lending. Not only was my experience terrible, and I dont expect to ever remedy my perception now of this company. But the source of this complaint is that Chase didnt even follow through on their " Closing Guarantee '' of at least {$2500.00} dollars being reimbursed if closing date was not met. Please stay away from this company, and if you need any proof of the following ordeal I will be happy to provide in a secure manner, I have retained all signed documents, statements, letters, emails, etc... that can show what is said below is factual. Start of the Mortgage Journey : Pre-Approved for a XXXX mortgage with at least 15 % down payment ( months leading up to my house search ) XX/XX/2022 Go under contract with house. Offer is XXXX with a 15 % down payment with {$30000.00} earnest money in escrow XX/XX/2022 Loan officer ( can provide his name ) and I go through the initial documentation required. Which included proof of XXXX Funds I would be receiving from my partner and father in the total amount of {$49000.00} XX/XX/2022 Original Close date set to XX/XX/2022 XX/XX/2022 XXXX fund documents are signed + sent to Chase ( including statements of the source funds, and the fact the source of my fathers funds will come from his 100 % owned business checking account ). No issues raised, all documents confirmed + received + reviewed by loan officer to be in good standing order XX/XX/2022 XXXX money transferred to Title company ( documentation sent to Chase ) XX/XX/2022 Conditional Approval of Loan is confirmed by Chase XX/XX/XXXX XX/XX/2022 Several back n forths with underwriting on clarifying documents already sent, or requests for me to send same document previously sent ( all I have documented in email ). Also during this time, I made daily calls to Chase to ensure everything was going smoothly and if they needed anything I could provide it instantly. Also, during this time insurance, utilities, etc.. all set up for the new house XX/XX/2022 Last transfers were posted to my main checking account, in the amount of {$110000.00} to cover the remaining down payment XX/XX/XXXX XX/XX/2022 The final days of closing, it was impossible to get my loan officer or case worker on a call to see what the status of my mortgage was. I received no call backs, no emails, nothingattempts by my real-estate agent and title company also met the same unresponsiveness June 17th 2022 Day of closing, I receive a call at XXXXXXXX XXXX from my Loan Officer informing me that underwriting has not approved loan. This is due to the source of my fathers gift funds, coming from an entity and not a personal account. I informed loan officer why wasnt this brought up weeks ago when I provided this documentation then?. To his response He was unaware this was not allowed, that it must have been something new, that he has never seen this before. XX/XX/2022 I get my father and Loan officer on the phone together, to try and sort out what is needed here to push this past underwriting. Loan officer doesnt have any answers, other than this will be escalated and likely resolved in the next couple of days. XX/XX/2022 New close date is set with home owners for XX/XX/2022 XX/XX/2022 Spoke to a sr. Manager at Chase, requesting we provide documentation of my fathers 1090 tax forms proving 100 % ownership of the funds being transferred to me ( NOTE : this is the 1st time I am informed this is a requirement ) XX/XX/2022 Tax forms are provided to Chase XX/XX/2022 No communication with Chase occurs from XXXX XXXX despite my daily requests for updates and call backs from them. XX/XX/2022 No response from Chase still. We are now 6days past our original close date, with only XXXX more days to go for new close date. Emails, calls, etc from agents + title company are all ignored by Chase XX/XX/2022 Finally at XXXX XXXX I am informed via email that underwriting has approved the loan XX/XX/2022 Documents are still not sent to Title company from Chase XXXX Constant back n forth between Title and Chase, at first they stated we didnt think we needed to send documents until XXXX, then they stated we are having technical difficulties sending documents XX/XX/2022 Documents are finally sent to title company at XXXX XXXX. Too late to schedule a signing with notary in time to complete prior to weekend. XX/XX/2022 1 day before new close date, signing documents with notary. Chase sent 1090 tax documents for me to sign, 1 of which was for someone who wasnt me. Try to get Chase on phone, their 1st response ask your title company get transferred to someone else because I said title didnt send these documents YOU did. I am promised a call back XX/XX/2022 Waited in notary office for 45 minutes before I finally get a call back to which they said our mistake we sent you someone elses tax documents, please shred XX/XX/2022 House finally closes ( 14days after original close date ) XX/XX/2022 I submit an official complaint to Chase with their escalations department XX/XX/2022 Receive a call on my complaint, where they only address the fact I was sent personal sensitive information, they then close the case. XX/XX/2022 I call back asking I want my case re-opened. Not only for the terrible experience I had, but I am also promised a Closing guarantee refund of {$2500.00} XX/XX/2022 I have to call back asking for a status on my case, saying they will give me a call back in 2-3 business days XX/XX/2022 Receive a call back, my request for closing guarantee is denied stating I did not qualify, due to this being out of Chases hands and my funds were not ready prior to closing date XX/XX/2022 I send an email to escalations department, providing proof of the above timeline in documents, pictures, and emails showing clearly that I had sent documents well in advance and that funds were available prior to closing. That is was Chases inability to inform + approve funds that cause closure date to be missed. XX/XX/2022 Receive call from escalations team, informing me again I do not qualify. I asked if they received my email, they stated yes, I asked did they review the content? They stated no. When asked why I didnt qualify? They responded Your Loan officer stated that your funds were not available and that I didnt provide documentation of those funds in a timely manner This is clearly ( to me ) a case of fraudulent & false advertising. I have very clear documented proof of this entire ordeal and that what I have said above is factual. This Loan Officer is lying and Chase has failed to live up to their promise | ||||||
| 05/29/2022 | Yes |
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Web | |
| This complaint is way overdue against JPMorgan Chase bank. I have been a long time loyal customer for nearly 10 years now. I had a checking account, savings account and XXXX high limit credit cards with JPMorgan Chase. All of my accounts including credit cards were in excellent standing. On XX/XX/XXXX, I filed a XXXX XXXX XXXX complaint against JPMorgan Chase because my voice was not being heard when I tried to dispute finance charges applied toward my chase loan. I believe that I was overcharged on finance charges and the so called XXXX offices could not identify with the issue nor offer a reasonable resolution for me. This is an agreement between myself and Chase that was offered to me many times by JPMorgan Chase. The agreement stated that since my credit cards were in excellent standing that I could use some of my available credit from my credit card and use that amount as a My Chase Loan. This could be used for a home improvement or whatever I chose to do with the funds. I have proof and documentation of this information. On XX/XX/XXXX, I decided to accept JPMorgan Chase offer and use XXXX of my available credit from my Chase Freedom credit card. On XX/XX/XXXX, Chase deposited this amount into my checking account and charged the amount of XXXX to my Chase Freedom credit card. The agreement also stated that the finance charges would be included in the monthly payment. The agreement stated that the monthly payment would be {$220.00} and the finance charges would be included in that monthly payment. Any additional charges I made on my credit card were paid off. JPMorgan Chase did not fully explain the terms of this credit card loan nor did they honor the agreement. I incurred additional finance charges an a balloon rate charge requesting much more than the {$220.00} to avoid more finance charges. I have proof and documentation of this. I was required to pay {$510.00} which is outrageous to avoid additional finance charges. I have proof and documentation of this. I made several payments an even a lump sum payment of {$1000.00} and {$500.00} and more payments per month but Chase kept billing me more than the {$220.00} that we agreed upon. I called in a spoke with several credit card representatives who were beyond rude, unprofessional, unethical, bias, XXXX and so much more. The majority of the calls I was left on hold 45 minutes to 1 hour, hung up on, treated poorly and they refused the calls to an actual supervisor. I was completely fed up. I spoke with a representative on XX/XX/XXXX, she was attentive and agreed that the additional finance charges were incorrect and she reversed the finance charge in the amount of {$35.00} on XX/XX/XXXX. If this representative could understand the problem and reverse the finance charge which she stated should not have been applied, then why would I still be charged additional finance charges every month. Every charge was paid by the due date in full. I only owed the My Chase Loan and it was set at a monthly payment with finance included. This dispute has been ongoing for too long. On XX/XX/XXXX, I received a call from XXXX who stated that she was with Chase XXXX office but failed to offer any resolution. On XX/XX/XXXX, I filed a XXXX XXXX XXXX complaint against JPMorgan Chase. On XX/XX/XXXX, the XXXX XXXX XXXX sent the complaint to Chase. I have proof and documentation of the XXXX complaint. On XX/XX/XXXX, I received a voicemail from XXXX with Chase XXXX XXXX this time explaining that her son had a doctors appointment and she would be out of the office for a few hours and to call her later or speak to someone else. When I tried to return the call she was not available nor was her replacement available. I received another call from XXXX who stated that she understood my complaint and that it was a reasonable complaint but she had no resolution again. XXXX stated that she would give all of my information to her supervisor to review it and have her supervisor phone me. Her supervisor never reached out to me at all. Instead and in retaliation of my XXXX XXXX XXXX complaint, JPMorgan Chase closed all three of my credit cards. On XX/XX/XXXX, I tried to get food and was unable to use my debit card because Chase blocked my checking and savings accounts. The funds were available in all of my accounts. I then tried to get gas for work and was unable to use my debit card again because it was blocked and restricted for use by JPMorgan Chase. My checking and savings accounts had nothing to do with my complaint regarding my credit card. I could not get gas, food, money out of the ATM for my children or anything. I am highly offended by this! I phoned the credit card and checking and savings department at Chase and was basically told over the phone so what! Chase will mail your money to you in 10 days! I have proof and documentation of this as well. I could not believe this. This was totally unacceptable. Due to the credit card representatives being so rude and unprofessional in the past, I had reached out to the branch XXXX at Chase bank to help me try to find a resolution to the problem with my credit card. XXXX XXXX stepped in to try and help resolve the problem and we exchanged emails back and forth. Myself and XXXX remained professional with each other. Another Chase employee at a different branch by the name of XXXX, when she heard of the ongoing problem she also reached out to the credit card department on my behalf to try and resolve this issue. XXXX the branch XXXX assisted with this matter as well. Myself, XXXX XXXX, XXXX and XXXX all remained professional with each other at all times. The matter was still ongoing. When JPMorgan Chase blocked my checking and savings accounts illegally, this caused a hardship and extreme anxiety. On XX/XX/XXXX, I reached out to the news station regarding this matter. XXXX On Your Side news joined in to forward my correspondence to their specific JPMorgan Chase contacts. I then went into Chase bank and spoke with XXXX XXXX who provided my money from my checking and savings accounts. The ongoing issues with my credit card remains. At one point Chase removed the accounts from my online portal so I could not see the balance or due date. Once I complained to the news station they added the accounts back to the online portal. JPMorgan Chase did not respond to my XXXX XXXX XXXX complaint until XX/XX/XXXX. Chase did not respond in a professional manner and this matter with my credit card has not been resolved. I will never do any type of business with JPMorgan Chase. This is totally unacceptable an illegal. | ||||||
| 08/23/2017 | Yes |
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Web | Servicemember |
| This is with Chase Bank. We 've had this checking account in one form or another over 30 years as one bank was bought out by another with Chase being the last one. We had 3 accounts with them. One checking and two savings totaling more than {$35000.00}. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating they closed our account effective XX/XX/XXXX. No explanation as to why on the letter. Just an audit being done and they decided to close our account. I thought it was a scam because it did n't have the same phone number as on my statement. So I called the statement phone number and found out it was legitimate. Our accounts were sitting in a " Restricted '' status. I asked them why. They said " We ca n't tell you '' and " We wo n't reverse it They told me just like I can close my account with them at any time they can do the same thing. We have never bounced a check and had plenty of money in the bank. The difference when I cancel it - is that I have a chance to update all the accounts I have linked to that account. I had my mortgage payments & credit card payments already scheduled to be paid. They were n't paid. I had my pay checks being direct deposited to the account with one that was due on XX/XX/XXXX but it was n't in my account on XX/XX/XXXX either. After talking with several people on the XXXX including XXXX and XXXX who was a supervisor, they said there is a 2 day business hold on the direct deposits. So that money wo n't be in the account until XX/XX/XXXX. Since the account was restricted we could n't just go in to withdraw our own money but we had to make an appointment. They set up the appointment for XX/XX/XXXX with XXXX at the Chase branch on XXXX XXXX in XXXX XXXX. Unfortunately, this appointment was made before I found out that my direct deposit money would not be available but we still decided to keep it. I asked them about late charges and interest that we will probably be assessed from banks. All their response was, we can send a letter asking the other financial institutions to waive any fees. They said they would generate " Sorry '' letters for our lender and Credit Card Company but could n't email them to us directly. They could either snail mail them which would take 8-10 business days or email them to XXXX at the Chase branch. We showed up at XXXX at XX/XX/XXXX, and XXXX was n't there. He had a family emergency. The bank manager XXXX had no idea what was going on. The accounts were still restricted and no Sorry letters were available. We spent over an hour while XXXX had to make several phone calls to get the restriction on the accounts lifted. We found out that one savings account had no restriction so that could be closed without any issues. ( They said that one could stay.. I do n't think so ). The checking account got released so we were able to get the funds from that one but not {$820.00} from my direct deposit that was still missing. The other saving 's account per XXXX was closed and the funds overnighted. We should have them on XX/XX/XXXX. I checked the account on-line at XXXX on XX/XX/XXXX. The money was still showing in the savings account but no paycheck in the checking. When I checked the morning of XX/XX/XXXX, the money was gone from the savings account and my {$820.00} was now in the checking account. So I called them again. I asked them to cut me a check for that amount today and get it mailed to me. They said they could n't do it - " A check will be cut when the account is closed BUT they could n't tell me when the account would be closed. I got home from work around XXXX on XX/XX/XXXX, my husband was finally able to pick up the Sorry letters but no overnight check was received yet. When I looked at the letters, I could n't believe what they said. They outright lied on them. What they said : " We recently canceled a payment made to you by our customer after we identified the transaction ( s ) as inconsistent with past activity. Our customer has since confirmed the transaction ( s ) as correct. We apologize for the inconvenience this caused. '' There was no inconsistency. We 've been making the same payments at the same time from the same account for years .... Why could n't they just say we closed the account, without notifying the owner and wo n't pay it. My husband then called again to get a courier and tracking number for the check. ( This one was over $ 15K ) XXXX at Chase said it had n't been sent so they do n't have that info. We should have the check on Friday XX/XX/XXXX. She also said she would call him tomorrow with the tracking number. So another lie. I then got on the phone because I wanted to speak to someone in the Executive Branch. One about the Sorry letter and Two just to make sure they knew what was going on. I asked for the President or a Vice President. I got to a XXXX XXXX ( She was the first one besides the people at the branch that gave her full name ) and told her the whole story. She was going to follow up and gave me a reference number to review the situation - XXXX. and a phone number to the Executive area - XXXX. She is hopefully going to try to find out why as well. XXXX told me the checking account was scheduled to be closed on XX/XX/XXXX The money never showed up on XX/XX/XXXX, nor anything over the weekend. I checked the account balances over the weekend and my paycheck was still showing in the account. XXXX called Chase again on Monday XX/XX/XXXX. He was now able to get a XXXX tracking number. He also got the authorization to go to the branch to pick up the rest of our money. He tracked down the XXXX truck and was able to retrieve the check that we were originally supposed to receive on XX/XX/XXXX. If there is any way light could be shed on this business practice that Chase is doing. They closed our account without notifying us, they cancelled payments to be made, they restricted access to our money and had to jump through hoops to get it and still do n't have it all. They did this just because they can. We did nothing wrong. No bounced checks, plenty of money, no excess activity ... We luckily had a cushion we could fall back on. What if they did this to someone who is living pay check to pay check. This could mean losing a roof over their head or having no food on the table. I found out today XX/XX/XXXX that this was n't an isolated incident. A new tenant at my work has a patient that the same thing exact thing happened to. They also banked at Chase. Thank you for taking the time to read this. But there is something seriously wrong when a bank can do what they did to me. /XXXX | ||||||
| 04/12/2020 | Yes |
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| XXXX -- Overview Summary -- // While I was traveling in XXXX ( XXXX ) , on XX/XX/2020, my Chase Sapphire Visa card ( along with my XXXX & XXXX XXXX cards ) were all compromised at the same time with multiple fraudulent charges, by likely the same fraudster. Both XXXX and XXXX have cleared the fraudulent charges after investigation ; however, Chase has concluded that those fraudulent transactions were valid and that I was responsible. The following are the unauthorized charges on my Chase credit card made on XX/XX/2020 when I was in XXXX : 1 ) XXXX XXXX XXXX {$14000.00} 2 ) XXXX XXXX XXXX XXXX {$15000.00} I am the victim of fraud and these fraudulent charges have shaken me to the core. It has been made worse by the fact that Chase has concluded Im responsible. I have not been able to get in touch with anyone at Chase. Please help. XXXX -- My Attachments -- // 1 ) My text and email replies to Chase, proving that I denied all the fraudulent charges at time of notification ( on XX/XX/2020 ) 2 ) My XXXX & XXXX statements - showing that Ive been cleared of similar fraudulent transactions under the same name ( XXXX XXXX XXXX , etc. ). Feel free to reach out to XXXX XXXX, the senior investigator at XXXX who worked on my case, at XXXX 3 ) The latest letter I received from Chase ( on XX/XX/2020 ) // -- Timeline of Events -- // Below is a complete timeline of when the fraudulent charges took place and my correspondence with Chase. << XX/XX/2020 >> - Arrived in XXXX ( XXXX ) from XXXX XXXX ( XXXX ) << XX/XX/2020 >> - Went to XXXX XXXX wanting to buy a new phone ( XXXX XXXX XXXX XXXX ). Visited mobile phone dealer at 4th floor of the mall. Phone price was ~ {$860.00} USD - To purchase, I tried using my Chase Sapphire card and my XXXX VISA card, but both were rejected - The salesman said it meant not enough money on the cards, so I went down to the ATM at ground level to get cash ( with my XXXX Debit card ) - I returned to the store and purchased the phone with cash - While setting up the new phone, I got a text message from Chase. I thought the text referred to my charge attempt earlier to buy the phone, so I replied promptly : That was me but I have paid cash already since not approved. Just cancel this transaction, not got through. Thank you But when I read the message again, I discovered that the amount ( in thousands! ) was way off. I knew something was wrong. I then responded : Sorry, that was not me, not that much, I just try to spend 800 something. Please do not approve anything. Please inactivate my card now. The {$14000.00} was definitely not me. - Note : Around the same time, I also received a text from XXXX regarding some high charges on the XXXX card. I denied them right away. - I also received an email from Chase about these fraudulent charges. I replied to that email right away : None of these transactions, not mine. I have been in XXXX just for 2 days. Both of my credit cards got compromised. - After I returned to the hotel, I also XXXX called Chase to report the fraud. I told the Chase agent that I had visited a phone dealer ( and I could not recall the dealers name ), but I did not authorize those fraudulent charges. The Chase agent told me I needed to talk to the merchant ( phone dealer ) because this is a dispute and I had to wait 72 hours to see the transaction appear. I disagreed with him, because this was not a dispute for any transaction I made, but rather a fraudulent transaction that I never made ( As mentioned, I paid cash for the phone ). I disagreed with the Chase agent, but did not argue. - Note : After talking to Chase, I also called XXXX. The staff went over each charge attempt with me. I then recognized " XXXX '' as the phone dealer and the amount charged matched the price of the phone ( and that charge was declined ). The fradulent charges on my XXXX card were separate charges under the names of XXXX XXXX, XXXX XXXX XXXX,. .etc ( same name as the fraudulent transactions on my Chase card ). At that point, it was clear that the phone dealer likely had nothing to do with the fraudulent charges. The Chase agent I spoke with earlier probably thought I purchased my phone from XXXX XXXX/XXXX XXXX << XX/XX/2020 >> - I called Chase again to make sure Chase knew this was fraud and my VISA card must be stopped. I noted that the phone dealers name is XXXX and not XXXX/XXXX XXXX -I also received an email from XXXX XXXX regarding suspicious activities on my debit card on XX/XX/2020. I called XXXX and found similar, high charges under XXXX XXXX, XXXX XXXX. My XXXX debit card was compromised at the same time as my credit cards though I never used that card directly for purchases ( only to draw cash ) in XXXX - Note : My friend XXXX, who was with me on the previous leg of the trip, in XXXX XXXX, XXXX, also had his bank cards ( XXXX XXXX and XXXX XXXX ) compromised by XXXX XXXX on the same day ( XX/XX/2020 ), though he was not in XXXX with me. Therefore we suspect our cards were compromised prior to arriving in XXXX ( likely at a massage parlor in XXXX XXXX, where we parted with our belongings and wallets ) << XX/XX/2020 >> - I had not received any calls from Chase since I was in XXXX and had returned home - I discovered a letter from XXXX at Chase Fraud department with the conclusion that I was responsible for the fraudulent transactions. I called XXXX to explain the situation and that this conclusion was not acceptable and was a big misunderstanding. She told me to send her a photo of my text replies denying the fraudulent charges on XX/XX/2020 and other documents to support what I said. At her request, I went to the local Chase branch in-person with a photo of the text message and statements of my XXXX and XXXX XXXX cards, showing similar unauthorized high charges that were denied. I also provided a VAT tax refund receipt of my new phone. A staff at the branch supposedly scanned these documents to XXXX << XX/XX/2020 >> - XXXX from the Chase Fraud department called me and said would review the case, but that the documents had not been uploaded yet. I wasnt sure if the documents I provided XXXX had gone through or not, but I told her to let me know if she needed additional info << XX/XX/2020 >> - I found a new message in my online Chase account from XXXX ( dated XX/XX/2020 ) concluding that the fraudulent transactions were valid - Since XX/XX/2020, Ive been trying to reach Chase as this conclusion is unacceptable and wrong. Im a victim of fraud. I have attempted to reach out many times, but have not been able to get in touch with anyone | ||||||
| 01/10/2023 | Yes |
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| I fell victim to a deceptive and extortionate merchant, who charged my credit card for dubious sweepstakes, while also claiming to be engaged in raising funds in a charitable endeavor. The merchant refused to refund my money, so I disputed the charges with my credit card company ( Chase ) under the claims and defenses procedures of the Fair Credit Billing Act. However, after 6 days of filing the dispute, Chase summarily denied the dispute, claiming that I can not dispute the charges and that they are valid charges. The details of the matter are chronicled below. XXXXXXXX XXXX XXXX XXXX and XXXX are affiliates and the owners of a competition ( Organizers ) called XXXX XXXX XXXXXXXX, which supposedly brings women of XXXX XXXX XXXX and over to compete for the title of XXXX XXXX XXXX. Purportedly, the prize is a 2-page feature in XXXX XXXX XXXX and XXXX Winners are decided via public voting by supporters of the contestants, and the contestants advance through various stages of the competition until a winner emerges. Apparently, XXXX is the non-profit arm of the affiliation, while XXXX XXXX XXXX XXXX is a for-profit entity. My wife was a contestant in the XXXX XXXX XXXX competition see attached Screenshot of her Competitor Page XXXX XXXX XXXX ). She was randomly recruited for the competition on social media by an agent of the Organizers after she posted pictures of her XXXX birthday celebration in XX/XX/XXXXXXXX There were various rounds in the competition, including Top XXXX, Top XXXX, Top XXXX, Top XXXX, XXXX, Quarterfinals, Semifinals and Finals. My wife advanced to the Finals. However, as she advanced in the competition and we got to know more about the business practices and reputation of the Organizers, it left us with a disquieting feeling that we were pawns in an immensely questionable campaign resembling a Ponzi scheme. She regrets having been lured into this contest, just as I feel having been misled into contributing to this opaque and questionable contest. The total amount that I personally paid into this contest between XX/XX/XXXX XXXX, and XX/XX/XXXXXXXX for the purpose of voting for my wife is XXXX See the receipts attached as XXXX XXXX I was under the impression that this was a contest conducted on a level playing field, where there would be transparency in the process and the Organizers would run a conscientious and honorable contest, but my experience and that of my wife says otherwise. For example, first, the full population of contestants in the competition was always kept hidden. You could not tell what the totality of contestants was at any time. The contestants were siloed into different groups, and you could not determine how many groups they were in total. Second, the contestant ( or anyone else ) could neither see the full list/number of votes cast for them nor who the voters were. The contestants XXXX only displayed limited information/data like top voters or XXXX most recent voters, but never the full population. See attached screenshot of the Dashboard XXXX XXXX XXXX ). Third, how the Organizers tabulate the votes and its system and process for crediting votes remains a mystery. There are two categories of votes, XXXX XXXX and XXXX XXXX. For the former category voters literally pay money to vote ( usually {$1.00} for XXXX vote ), while for the XXXX XXXX category voters are limited to XXXX vote daily. Additionally, for Free Votes, there are different numbers of votes credited for each vote based on the method used to verify the voter. Verification is either by XXXX or by credit card, and two votes are credited for the latter versus one for the former. Abstrusely, randomly and from time to time, every vote cast ( either XXXX XXXX or XXXX XXXX ) was given double credit ( 2 for 1 votes ). It is unclear if the Organizers gave precedence in their tabulation system to votes purchased via XXXX XXXX versus votes cast via XXXX XXXX. Some contestants have vociferously complained that votes from their supporters via XXXX XXXX were routinely not credited or accounted for, in subordination to Hope Votes. See the catalogue of complaints lodged by contestants and voters alike ( reporting the XXXX XXXX XXXX competition as a scam ) on : XXXX, an excerpt of the online reviews is attached herewith as XXXX XXXX. Additionally, my wife used the services of a media outlet ( XXXX XXXX and XXXX ), which has viewers/listeners in XXXX countries and has millions in its subscriber/mailing list orbit, to promote her candidacy in the competition. XXXX XXXX and XXXX confirmed that tens of thousands in its audience voted for her using XXXX XXXX. However, there is no record of this activity on the Organizers portal or that the votes were credited or accounted for in their tabulation. This observation mirrors complaints on online forums like XXXX Fourth, there are unresolved questions about the competition money : where the money goes exactly, what specifically are the fees/costs/salaries/expenses that the Organizers or its partners claim from the total stake, and so on. The Organizers provide pro forma and nebulous answers in this regard. Lastly, I believe that the competition was a ruse to fleece supporters of the contestants and the public in general. I was constantly bombarded with messages from the Organizers to donate to support my wife. I feel like I have been extorted. Consequently, my wife quit the competition before the results were announced, and I requested a refund of all the money I paid to the Organizers on XX/XX/XXXX, but they refused to return my money. Consequently, I filed complaints against the Organizers with the following : New York Attorney Generals Office ( XX/XX/XXXX ) ; Pennsylvania Attorney Generals Office ( XX/XX/XXXX ) ; the Federal Trade Commission ( XX/XX/XXXX ) ; and the Internet Crime Complaint Center ( XX/XX/XXXX ). I filed a credit card dispute with Chase on XX/XX/XXXX and spoke to XXXX in the Disputes Department. Chase subsequently left a message for me to contact them, so I called them on XX/XX/XXXX and spoke to XXXX around XXXX XXXX XXXX XXXX and then I spoke to a supervisor called XXXX. XXXX was terse and final in his declaration that I can not dispute the transactions. I was shocked at this seemingly bizarre stance, so I called back the same day and I spoke with XXXX, an Accounts Customer Service Supervisor around XXXX XXXX, who forwarded me back to Disputes Department where they maintained their position of the denial of my dispute. Chase subsequently sent me a letter confirming their position. | ||||||
| 02/17/2022 | Yes |
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Web | Older American, Servicemember |
| In XX/XX/XXXX, I requested to open a guardianship account at the XXXX, XXXX Chase Bank for the benefit of my ward, an incapacitated person. I provided my Letters of Guardianship and other necessary information and had a cashier 's check ready to fund the account. However, I was surprised to learn my application was denied, with the reason given that my guardianship was " expired ''. That being patently false, I protested. I was told I would need to get a freshly dated copy of my Letters to proceed. While not technically necessary, I did that and renewed my application. On the second go-around, the account was approved, I deposited the cashier 's check for {$2500.00} provided to me by my ward 's XXXX XXXX from another city, and I received a Chase Bank account packet and a supply of checks. I was advised I needed to wait for the deposit check to clear, which I did. When I was notified that the deposit had cleared and the account was ready for use, I set up a transfer to my ward 's ABLE account to be put into an investment portfolio. I first sent {$2000.00}, and later, another transfer of {$500.00}. The ABLE account started showing some small gain, but I was notified that the account went back to zero after Chase refused to fund the transfers, citing " insufficient funds ''. This was the start of my saga. After *numerous* calls to the Chase customer service line where I was put on hold for lengthy times ranging up to XXXX hours and XXXX minutes, treated with suspicion, given vague information, put on notice that my ward 's account was now " on hold '' and was under scrutiny by the fraud department. No reason has ever been given. On several occasions, I have complained in person and in writing to the Branch Manager, XXXX XXXX XXXX, and later to XXXX XXXX who was covering for the bank manager in her absence. XXXX XXXX also happens to be the person who opened the guardianship account for me. Both have been apologetic and exuding an air of embarrassment, while not being able to give any reason at all for what is going on. Both refer to the " back office '' as the source of the negative action. I have now received XXXX recorded calls from the Chase customer complaint and escalation department, with the last XXXX from and individual named XXXX. In the calls I was informed, first, that this case has been escalated to a fraud investigation ; second and much later, that the investigation was wrapping up and I would get the money released to me soon ; then on XXXX XXXX notified that Chase will not release the funds until I provide a copy of my original court document appointing me as guardian ( dated XXXX ), as well as providing a guardian statement that there is no conservator ( there is not ) ; and a fourth call today, XXXX XXXX informing me the " back office '' is now in receipt of my latest documents and will be reviewing them over the next XXXX or so days. I am informed by XXXX that, with this new information, Chase will " consider '' returning my ward 's money to me. This in spite of the fact that my official, certified Letters of Guardianship were good enough for Chase to take the money from my ward, but are not good enough to give the money back to my ward. Please note : I have taken the extra step to ask the XXXX XXXX XXXX XXXX XXXX to review my Letters of Guardianship, which I was told the judge himself did and said they are completely in order. I will state for the record that my ward is just shy of XXXX years old but only XXXX XXXX XXXX has a few identifiable sounds that indicate words, can not write, and generally leads the life of a toddler, requiring the XXXX care and support of the same. He has had no parent involvement since the age of XXXX months. He had lived in XXXX foster homes by the age of XXXX when he came to live in my home and I became his care provider for the next XXXX years. I became his guardian in XXXX when my ward turned XXXX XXXX XXXX. In XXXX, he moved back into the foster care system and has lived in XXXX additional care homes since then. In short, my ward, who calls me Mom, has nobody but me to rely upon for the serious matters and decisions of his life, from day-to-day challenges to medical needs to finances. I feel that Chase is either profiling my ward as a XXXX person, who can not be believed to possess {$2500.00} to open an account; or profiling me as some sort of shady character when, in fact, I am a devoted mother-figure in my ward 's life who is also the legal guardian, with all the necessary proof to establish both those facts. In either case, for Chase to act as it has without one iota of evidence of wrongdoing is shameful, if not even illegal. My ward is supported by XXXX payments and obtained the money for the account I sought to open at Chase via the sudden input of XXXX relief checks. As a person in the foster care system, my ward is not allowed resources in excess of {$2000.00}, so was seriously over-resourced and at risk of losing his XXXX payments due to that ( a situation that is growing more critical each passing day ). This being the case, setting up an ABLE account ( which required my power as guardian ) and subsequently moving his excess funds into the ABLE account was an absolute necessity. I explained the details of this at the time I applied for a guardianship account at Chase. The cashier 's check I presented to Chase to open the account was funded out of the Rep Payee Account *in his name*, sent to the Guardianship Account *in his name*, and transferred to the ABLE Account *in his name*. Of course, my ward -- again, a severely XXXX person -- needed assistance at all levels of this process, but it was all done above-board, properly and appropriately. Additionally, the entire process was started at the request of, and has been overseen by, XXXX 's foster care management team. And yet, Chase Bank will neither service the account they approved on XXXX XXXX, XXXX, nor will they close the account and return my ward 's money. Chase Bank has had the use of my ward 's money for nearly XXXX entire months, investing, loaning, or otherwise using it to their gain while refusing to give it back to him. In the meantime, my ward has been denied the return of his money as well as denied the opportunity to gain from investing his own money in his ABLE account or using it for his needs. Honestly, it feels like theft -- and perhaps it is. I am more than pleased to provide and documentation necessary for review of my complaint, including official documents, phone log notes, and correspondence. | ||||||
| 03/12/2019 | Yes |
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| I am a XXXX XXXX and left the US last XXXX - I informed Chase that I was leaving the country but that I was keeping my account open with some funds still in the account so that I could deal with my tax return this year, receive or pay any over or under payment, and then close my account. Chase knew I would be out of the country and would not be using my account. On Wednesday XXXX XX/XX/XXXX, I logged into my Chase bank account online to check whether a payment had been made in relation to my tax return. When I logged in, to my horror I saw that payments in increasing increments had been withdrawn from my account to random paypal accounts. The first withdrawal happened on XXXX XX/XX/XXXX ( a small amount of around XXXX XXXX ), but this then increased to three or four withdrawals a day of USD XXXX or more each time. For reasons that I will come on to explain below, I do not have a copy of my bank statement showing these withdrawals ( Chase will not give me the same ) but the amount taken was in the region of about XXXX XXXX or so. The transactions were quite clearly fraudulent in nature. They were to random paypal accounts ( the same account more than once ), and were for increasing figures as time went on. As above, I had also informed Chase I would be leaving the country and not using my account ( and therefore have not been checking my account either ). Despite this, at no stage did Chase ever attempt to contact me to inform me of the charges. I called Chase as soon as I realised the amounts had been taken ( again on Wednesday XXXX XXXX ). I spoke with the fraud team and the claims team and went through all of the fraudulent transactions ( some of which were pending payment ). I was told that because I had reported the issue more than 60 days after the first fraudulent transaction, I was only entitled to be reimbursed for transactions up to 60 days after the first one ( XXXX XXXX ). This resulted in only USD XXXX being entitled to reimbursement. I have not yet received an explanation of how that amount is broken down, or confirmation that the pending transactions were blocked ( and nobody seems to be able to confirm that ). When I questioned why Chase did not inform me of the transactions, given that they were clearly not typical of how I was previously using my account, and as I had informed them I was out of the country, they told me it was not their job to monitor my account, and that whilst they sent fraud notifications when debit cards were possibly used fraudulently, they did not do the same thing with bank accounts. This surprised me. Every other bank account I own sends me email and text notifications whenever my account is used suspiciously. I was surprised that Chase did not do the same thing. I was told there was nothing they could do and they would not be reimbursing me any more. Whilst I was on the phone, my account was blocked. I was then told I could call back 24 hours later, and that I would be able to speak with someone in the exceptions team to push through a wire transfer of the funds remaining in my account, so that I could transfer them to my UK account and avoid having the funds sit there whilst I waited for a check from Chase. They also took down a new US address ( my employer 's address ) where the check and any correspondence relating to the fraud could be sent ( as I am now back in the UK ) On this advice, I called the fraud department back on XXXX XX/XX/XXXX ( 24 hours later ). I was told that the advice I had received about making the wire transfer was incorrect and that I would not be able to make the transfer after all. I then asked for confirmation that my address had been changed as per the information I provided the day before. The address had not been changed and I was told I needed to speak with customer service to do that. Whilst on the phone I also asked for a copy of my bank statement, so that I could contact paypal to inform them myself of the fraud - the hope being that they might be able to catch the criminals that did this, as some of the transactions were very recent. I bounced around a total of 7 departments and spent nearly three hours on the phone trying to get a copy of my statement. I spoke with fraud, who transferred me to customer service. They told me my account was blocked and therefore they couldn't send me anything or change my address, and that I would need to speak with fraud. I was then transferred back to fraud, who couldn't help. Then I was transferred to claims, then I was told to call my local branch. They couldn't understand why I was calling them and told me to call customer service again. I went round and round in circles, with people in each department telling me that the person they were transferring me to could help, but each time I was told that I had been transferred to the wrong department. I was continually told that the only way to resolve the issues was to come into the branch in person - difficult given that I am in XXXX, UK! After 3 hours, I finally received confirmation that a note of my new address had been made XXXX although they could not formally change it on the system ) but each person I spoke to refused to give me a copy of my bank statement. I am now in a position where I can not complain to XXXX as I have no bank statement, I have no access to the funds that remain in my account, I have no way of being able to check the status of the funds in my account, and I still haven't had any confirmation from Chase that they have blocked the pending charges - those payments simply should not have been made. I am extremely disappointed at how Chase is handling this and have been left frustrated and angry. Their systems are awful - I should be able to obtain a copy of my bank statement. I should be able to have access to the remaining funds in my account. And I should be able to do all of this without having to come into the branch in person. Equally, I have been deprived of the opportunity to report this direct to XXXX. I still have not had confirmation that the amounts pending payment have been blocked. And I am not satisfied with Chase 's excuse that they do not monitor bank accounts. They are under an obligation to inform me of any possible fraudulent activity, and I do not accept that the loss should fall on me. This has been a horrendous experience. In the likely event of me returning to work in the US, in light of this experience, I will be opening an account with another bank. Chase is a large international bank - they should not operate like this. | ||||||
| 06/18/2023 | Yes |
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| XX/XX/2023 - Preapproved and accepted for Chase United Explorer Card with {$250.00} statement credit off first statement ( screenshot of offer from this date ) Called chase to confirm before using card that {$250.00} statement credit would apply to first statement, representative confirms yes Booked flight on card XXXX statement : {$250.00} statement credit did not come off first statement after first purchase Called chase and inquired about my promotional statement credit. Claim was escalated for review. XX/XX/2023 decision received by mail, account isnt eligible for the offer I requested, even though it was offered to me at preapproval XX/XX/2023 called chase and told them I have documentation of the statement credit offer I received, asked where to send it. Was instructed to send a secure message in chase mobile app. Representative from chase told me what to write and said they will be able to update my offer. XX/XX/2023 sent secure message with a screenshot dated XX/XX/XXXX, demonstrating that I was preapproved with an offer to receive {$250.00} off my first statement credit. Asked them to please update the offer on my account to reflect the one I was promised at the time I applied for the card. told I would receive a response within 1 business day. XX/XX/2023 received a response : We're sorry that we've been slow in responding to the message you sent to us between XX/XX/XXXX and XX/XX/XXXX through chase.com or the Chase Mobile app. We resolved the technical issue that delayed us. We are working to respond to your message, though it may take us about two weeks. If the matter is urgent, please resend the message. XX/XX/2023 - 12 days from initial inquiry, I received this response : Hello XXXX, Thank you for contacting us about your UnitedSM Explorer Card. I'll be happy to review your request. Many of our promotional offers are only available for a limited time. Regrettably, the account is not eligible for the new offer you requested and the original bonus offer will remain on your account. We apologize for any inconvenience. XXXX, we reviewed your credit card account and confirmed that you'll receive XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months from account opening. Charges must post by XX/XX/2023 to be eligible for the bonus. Our records show you haven't met these requirements yet. If you meet these requirements, we'll post the bonus to your account 6 to 8 weeks after the billing cycle in which you qualify. You'll be eligible for the bonus as long as : - You haven't received a new cardmember bonus on this type of account in the past 24 months. - Your account is open and not in default when we post the bonus. Purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Each month within seven business days from the credit card statement date, we transfer the miles earned to the primary cardmember 's XXXX account. For information about the miles you have earned or how to redeem them, sign in to your XXXX account at united.com or the United mobile app. We appreciate you being a Chase customer. Thank you, **please note that the screenshot proving that I was offered {$250.00} off statement credit was not acknowledged in their extremely delayed response** XX/XX/2023 since chase claimed some promotional offers are only for a limited time, I responded with the following inquiry : Hello, I would like to know what precise date the promotional offer for {$250.00} off the first statement credit ended. I would like to compare the date I was pre-approved for the {$250.00} statement credit to the date the promotion period ended. Please respond timely. Thank you for your help. XX/XX/2023 Chase responds, but does not provide the dates of the alleged limited promotion : XXXX XXXX, We certainly understand your concern about the new cardmember bonus offer. XXXX, while I want to help you and make sure that your request is immediately taken care of, certain requests must be handled by specialized teams. This helps us provide you with customized solutions and better service. XX/XX/2023 Chase responds and is now claiming that even though I was offered the promotion originally, that it may change or cancel at any time. They also state they can not provide a start or end date ; despite previously claiming that it was a limited time offer. With no start or end date I am led to believe that this promotion is ongoing and I am being given different information from different representatives. Their response is as follows : XXXX XXXX, Thank you for contacting us. We appreciate the opportunity to assist with the New Account Bonus Offer for United ( SM ) Explorer Card. My name is XXXX and it's my pleasure to review your request. XXXX, sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. Some sign-up offers may be marketed to targeted groups of customer, versus the general public. Accounts automatically received the sign-up offer applied for. We do not guarantee any sign-up offer can be changed. Each sign-up offer will be subject to eligibility requirements. We can not provide a start or end date for the {$250.00} statement credit offer. The offer you accepted and received a confirmation page during the application process is XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months from account opening. You have until XX/XX/2023 to meet the required spend. We understand this is not the response you were hoping for. We hope you will understand all inquiries of this kind are handled uniformly, to ensure the equal treatment of our customer base. We appreciate your business and thank you for being a Chase customer. Please contact us anytime with questions or concerns. Upon further research, many chase card holders are on various websites saying that Chase never gave them their sign on offer that was promised, their deceitful marketing campaigns have hurt more people than just myself. The proof I submitted of my offer has been ignored, my claims have been mishandled throughout and they continue to scam consumers with no consequences. | ||||||
| 11/22/2023 | Yes |
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| Ok quick prequel ; My home was broken into, burglarized and vandalized in the final days of XXXX this year. Dealing with the criminal process and our legal system has taken us to now, where my mortgage is in arrears, my gas is now actually shut off and the electric will be disconnected this week if I can not bring the account to current. Now I knew that I would have money coming to me from the insurance claim and eventually lawsuit and also am seeking funds from the XXXX Victims assistance program. Much to my dismay and in contrast of my recent trend of luck, XXXX handled my claim at lightning speed and issued payment within just days of getting to meet with the adjuster and going over all the damages. The checks were delivered to my home on Saturday XX/XX/XXXX and I immediately went to a Chase bank branch that was still open figuring that it would be way to get the payments in my account and available the quickest, and I also hoped or thought I would be able to cash at least some portion of the check right then so I would have some funds immediately available. Upon walking in I was greeted as always and explained what I needed to do and that my paramount concern was that I needed money IMMEDIATELY. I did ask if it was better to do a mobile deposit or through the teller, also mentioning that I could have had XXXX direct deposit it into my account. The check was for the amount of {$20000.00} made out solely to me which I endorsed on the back and it was from XXXX XXXX XXXX XXXX OH, and this is what really has me dumbfounded, from their JPMorgan Chase Bank , N.A . business account!!! I was told that I could not cash it and I do wonder why that is. Before he put it through I asked very clearly when it would be available and restated my concerns of needing funds available immediately. The teller told me that there was no way he would be able to tell me that until it was printed on the receipt. I reluctantly said ok and he put it through and the receipt printed and showed that the funds would be available on XX/XX/XXXX, and this was done on the XXXX, so almost a half a month! For lack of strangling a bank teller I politely said thank you and went out to my car scream and immediately called Chase customer service and explained what all happened and what could or would be done to get me funds immediately available. I was transferred a couple times finally to speaking with some specialized team that the lady assured me that the funds would be available Tuesday the XXXX, which again I had to unhappily accept and after getting off the phone with her, had to call my wonderful retired mother living on a fixed income to beg her for a loan to try and mitigate some of what was about to happen as payments needed to be made. Now the XXXX or whatever I had spoken to told me that if the funds were not released on Tuesday to call back so when I checked the status online yesterday they had gone from " pending '' to specifically " on hold '' so furious and outraged I immediately called back. After beginning to lose my temper with the first person I was again quickly transferred to some specialized department, who I do believe tried very hard to help me but still the outcome, completely absurd and unacceptable and in the end leaves me hog-tied with blinds on in a dark corner left for wolves. The issue apparently is that they can not verify the check and that the check was made for me, I think I guess? I was on the phone with this patient XXXX woman for a little more than an hour I believe, she had to put me on a pretty long hold a few times to try and gather information or verify information. Now what I can not understand is that there is ABSOLUTELY NO WAY I can help make this happen, and don't understand how that can be so! I have ALL the paperwork right next to me while I'm talking to her. The claim, the adjusters contact info, my insurance info and anything else you could possibly need or want involving the case, claim or payment! No none of that can be accepted because it has to be THEM that gets it and provides it. I said I could surely get corporate XXXX to contact them to verify whatever they needed, again no it doesn't work if Nationwide contacts them directly because it needs to be a Chase agent or representative that uses one of their verified routes of communication to verify things. There is absolutely no way at all I or even XXXX apparently can do anything to remedy or even just expedite whatever asinine and archaic process this is that I'm stuck in. She had explained that such a hold had been placed on it that there was absolutely no way to lift it until it goes through it's process so basically I'm stuck until the XXXX now. During this wait already, my checking account is now - {$310.00} negative, surely would be more but I know at least XXXX payments have already been returned which of course causes me to be charged a fee from that end. My gas is shut off now as we go into the winter cold. To add insult to injury my checking account that should have a balance of over {$20.00} grand, but instead is negative and therefore accruing overdraft fees now! Furthermore, since now I can not pay my mother back the {$1000.00} she loaned me her account could potentially ending being over drafted! All this over Chase not accepting a check made out to a long time customer from a Chase business account, that I have made very clear just how desperate I am for this money as ALL of my cash was stolen, my locks were compromised as well as my camera and security system, all of which is waiting on this money to be restored, and now I have a house with no heat or hot water and no way to do much cooking! I want to make very clear, being that I keep mentioning XXXX, that this is in no way at all against them nor caused by them. XXXX really was on my side this time! JPMorgan Chase Bank is the antagonist here and as it's the biggest bank on the planet, it's becoming clear to me, it's also one of the greediest and least empathetic. I also want to mention this is only part one of my insurance settlement. The other check is for almost {$24000.00} but is made out to me and my mortgage company that I haven't called yet to figure out how we go about doing that, and now I'm thinking it will be in opening an account at another financial institution. In the screenshots I uploaded check out the one where they state the reason for the hold is that they need more time to retrieve the funds from the issuing bank... .which is THEM! My mind is truly blown. | ||||||
| 10/26/2023 | Yes |
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| On XX/XX/2023 me and my Principal, XXXX XXXX, pursuant to a Statutory Power of Attorney under the Iowa Uniform Power of Attorney Act went to the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, IA to have Power of Attorney documents notarized and to open an account in his name and when taken back to the bankers office the banker promptly began opening the account for XXXX XXXX. This wouldn't have been a problem because under the Iowa Uniform Power of Attorney Act I only need the acknowledged Power of Attorney Forms in order to transact on his account under Iowa law. Of course the banker explained that their policy was to send the Power of Attorney to their legal counsel for review and that they had to wait for their legal counsel to approve the Power of Attorney and then add it to the account. In the mean time the banker suggested creating a joint account so that I could access the account if necessary while we await for their attorney 's to decide whether to accept the Power of Attorney or not. Obviously, this was an issue as it violates the Iowa Uniform Power of Attorney Act on several levels and as as result the branch manager was brought into the discussion to further attempt to bully and insist that their policies would have to followed regardless of the law. During this interaction the branch manager, XXXX XXXX brought other employees into the discussion to further bully and intimidate me into complying with what they wanted to do. One of these employees was Executive Director/Marketing Manager XXXX XXXX who came into the office with a lot of misinformation and only sought to escalate matters further and on several occasions falsely accused me of being rude and disrespectful to her and her employees to the point where it can be argued that she engaged in XXXX discrimination. When informed that the law obviously trumps the company policies she promptly retorted that this was not true and that it was the other way around. At some point I began recording because of the route things had been taken and I have it on recording where I was falsely accused of being rude and disrespectful numerous times as well as XXXX XXXX at least admitting and defending her stance that the banks policies superseded the laws among other things including the fact that it was only I, myself, who took the time to try and deescalate and get the conversation back on track and I pointed out several times that they were simply wasting our time as well as made numerous requests for them to contact legal due to the situation which ultimately only got interpreted as a desire for me to lodge a complaint by XXXX XXXX. Ultimately, XXXX XXXX did notarize the Power of Attorney putting into full effect but because of the time XXXX XXXX insisted that we had to come back another time to open the account but was adamant that we would have to comply with the banks unlawful procedure. As a result I lodged a corporate complaint only to discover that branch employees had lodged complaints on my behalf ahead of me in a clear attempt to get their version of the facts heard before mine in a clear attempt to garner favor from corporate and/or the investigations team. On XX/XX/2023 I spoke with XXXX who had been assigned to handle my complaint and she instructed me to contact a branch to set an appointment to have the account setup but could not guarantee that I would not continue to run into problems despite claiming that the issue was addressed and that the branch was advised of the proper policy as it pertains to Power of Attorney 's in the State of Iowa but for whatever reason when I requested that she disclose that policy she asserted that she was allegedly not allowed to disclose the banks " proprietary '' policy. Of course that wouldn't fly in a court of law and I am fully aware that banks notoriously have this issue and it does sadly result in legal action at the expense of the bank and an order mandating that the bank accept the Power of Attorney. I did reach out to the branch to see about scheduling the appointment for the account opening and did inquire as to what they were informed of and of course I did not get the bankers name but when she insisted that she had to transfer me to XXXX XXXX I asked for her name once more and she refused stating that she did not feel comfortable providing me her name obviously as I had already indicated that I would be reaching back out to XXXX to report the interaction. Eventually she hung up prompting me to call back and this time I reached " XXXX '' who upon discovering what I was trying to do informed me that I had to wait for XXXX XXXX to call me back and that they were informed by XXXX XXXX to not take my calls and to make me wait for a call back that may or may not happen. This was clear retaliation for my complaint and as a result I contacted XXXX back immediately so that this could be added to the investigation and properly addressed. At this point XXXX advised that I just wait for a lady named XXXX to contact me again as she had attempted to contact me last week before she went out of the office explaining why she has not returned my calls. XXXX did inform me that she would reach out to XXXX to ensure that XXXX knew that I had to try to respond to her voicemail and to make sure that I had a good number for her. While I waited I decided to try me luck with the other two local branches and only discovered that both branches were only aware of the policy stating that they had to have the Power of Attorney approved by their legal counsel. XXXX at the XXXX XXXX XXXX branch was far more respectful than anyone else that I have spoken to on the branch level thus far and he was very apologetic for my experience and did state that he would reach out to their legal departement to see what they should be doing. He also provided me his email address so that I could send him a copy of the Iowa Uniform Power of Attorney found in the Iowa Code so that he had it when he spoke with them and could hopefully address the issues at hand. Either way this shouldn't have taken this much to get someone to finally contact the legal department to ensure they were in compliance with the law. Furthermore, I can't stress enough how much risk the alleged current policy places on employees as Iowa law permits an agent and/or principal to sue not just the bank/business entity but the individual who refuses to accept the Power of Attorney themselves and so at the very least this is extremely reckless on the banks end. | ||||||
| 04/16/2020 | Yes |
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| Unauthorized Withdrawal of {$4000.00} : On XX/XX/2020, a person accessed my sole Chase Checking Account ( ending in XXXX ) using the Chase Mobile app to transfer {$4000.00} to a shared Chase Checking Account ( ending in XXXX ) and then finally moving the {$4000.00} to Chase Checking Account ( ending in XXXX ). On that same day, the person had also taken {$2800.00} but what appears to have been only from account XXXX to XXXX. Unauthorized Withdrawal of {$5000.00} : On XX/XX/2020, the person again accessed my sole Chase Checking Account ( ending in XXXX ) using the Chase Mobile app to transfer {$5000.00} to a shared Chase Checking Account ( ending in XXXX ) and then finally moving the {$5000.00} to Chase Checking Account ( ending in XXXX ). Sole Account Holder ( Me ) Identifies Missing Funds : On XX/XX/2020, after seeing {$5000.00} had been pulled from my sole account, I started to investigate and found my soon to be ex-wife ( XXXX ) had been the one to pull the money from my account. I went to local Chase Bank Branch in XXXX XXXX Utah and asked one of the employees how was she able to pull money from my sole account. He only could tell me that it wasn't done physically in the branch. He confirmed that she never had an electronic account set-up in her name and password, so she shouldn't have been able to do it electronically, either. I asked him to close the account while I continued to investigate. Submitting Claim to Chase Fraud Team : I called Chase to notify them of the issue, at the time only thinking {$5000.00} had been pulled from my sole account, I created the fraud claim for the same amount. The fraud team almost immediately denied my claim because they said it was a civil issue I had to take up with my wife. Investigating the Issue Further : Still confused at how she was able to take money out of my sole personal account, I continued to investigate and noticed she had taken {$4000.00} via the same method on XX/XX/2020. While she had a debit card and her name was on the Chase Checking Accounting ( ending XXXX ), she has never ever had electronic access to this account so I knew she must have pulled the money in an unauthorized fashion. I was confident she couldn't have done all this electronically, because she never knew my passwords. As I started to investigate using the limited security tools Chase has on their website, I saw a device with the name of " XXXX XXXX XXXX '' had been accessing my account. I again changed my password, but saw almost in real time, that she was still able to access my account from her phone! This really worried me because there was no way for me to block that device. I knew there was a bigger problem here!! Finding Major Security Issue with the Chase Mobile App : After seeing her phone was still accessing my account, I decided to test the Chase Mobile App on my phone. I immediately found that even after changing my chase.com password on my computer, I was STILL ABLE to access my Chase accounts via the Chase Mobile App WITHOUT having to update the password in the mobile app. So, my theory was that at some point, XXXX had gotten my Chase password, saved it to her Chase Mobile App using her biometrics, and even after I've changed my password, she was still able to access my account. Working with Chase Branch Team and Chase Executive Support : After finding the Major Security Flaw in the Chase Mobile App, I was not satisfied with their response because XXXX should have NEVER had electronic access to our shared account or more importantly, my sole account. Worse, even after taking precautions to change my password, she was still able to access my accounts. I then went to the Chase Bank Branch in XXXX Utah and met with the VP/Branch Manager ( XXXX ). I walked him through the issue, even showing him how I could change the password for my accounts on chase.com but still bypass password requirements on the mobile app by using my biometrics. He was shocked and told another colleague, " this seems like too big of a technical oversight and should not be possible. '' XXXX and I called the Chase Executive Office to walk them through the issue. A new case had to be opened since the other case was closed. I was told they would again research and get back to me. Over the following weeks, they requested more information, which I provided. They called again after a few weeks and asked I create another case but state that it was an " unauthorized withdrawal, '' which I went into the branch and did with XXXX ( colleague of XXXX ). I was verbally told that they were confident I would be reimbursed for the funds that were removed because they were unauthorized withdrawals. Working with Chase Executive Office : A couple days later, I received a call from the Executive Office Team Member who was investigating. She said Chase was sending me a check for {$6800.00} while they continue to research the issue. A couple days after that, she called and told me that the case ( s ) were going to be closed and that I can not cash the {$6800.00} because Chase believed that they were NOT at fault for the unauthorized withdrawals. Conclusion : As of today ( XX/XX/2020 ), Chase has NOT fixed the Security Issue in the Mobile App. Not only have I lost {$11000.00} from unauthorized fund withdrawals because of this cyber-security flaw, but Chase Bank is leaving ALL of their customers at risk because of this issue. Just as happened with me, if someone ( like a hacker, family member, friend, associate, etc. ) would only need to get a customers password once and save to a biometric fingerprint to access funds, even after customers change their passwords, the person will still have access to the accounts. I have evidence, including video of the mobile app security flaw for bypassing passwords that I can share upon request. I also have copies of the transactions and the device that was used to pull the funds. I'm fine with CFPB publishing this, but if bad people find out about this flaw ( bypassing passwords using biometric fingerprints ) in the Chase Mobile App, I do not want to be responsible for losses to others. Compensation : Up to this point, all I've asked for is that the {$11000.00} be put back into my new account. Chase has access to the current location of the funds, so they can get them from there. I've spent more time than necessary helping Chase understand the issue. It is now becoming a burden for me and causing distress in my life, for which I should also be compensated. | ||||||
| 05/22/2020 | Yes |
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| XX/XX/2020 XXXX : I received an alert from Chase Bank Fraud Services alerting me to a declined charge of {$390.00} to XXXX for my credit card ending in XXXX. The alert asked if it was me, to which I responded NO. I then received a message asking me to contact Chase and the card was unable to be used until I contacted Chase. Please see attached file FraudAlert.png. XX/XX/2020 XXXX : I called Chase services and had a 5 minute and 3 second phone call regarding the alert. During this phone call I confirmed with Chase that the XXXX charge was fraudulent and I had not initiated it. During this call, recent transaction history was also reviewed. I found that one additional fraudulent charge appeared on my account to XXXX XXXX for the amount of {$27.00} dated XX/XX/2020. The Fraud services rep assured me at this time that the XXXX charge would not go through and that the XXXX transaction would be investigated. Additionally, the card ending in XXXX was cancelled at this time and a new card was to be mailed to me. XX/XX/2020 XXXX : I received a confirmation email from Chase confirming my fraud claim and stating : We closed your Chase Freedom credit card ending in XXXX to protect your account. Please see attached file XXXX-Email.pdf. XX/XX/2020 : A noticed is posted to my Chase XXXX account with an update to my fraud claim. The notice contains generic language regarding the process and lists the XXXX XXXX charge of {$27.00} on the Schedule of Unauthorized Transactions. Note : at this time, the XXXX charge is the only charge I have been aware of that actually posted to my account. It is my understanding the XXXX charge of {$390.00} was blocked prior to going through, based on the initial fraud alert. Please see attached file XXXXNotice.pdf. XX/XX/2020 XXXX : I receive an email notification regarding a new letter or notice having been posted to my account. This notice is dated XX/XX/2020 and contains the findings that the XXXX XXXX transaction of {$27.00} was deemed fraudulent and I was not responsible. Additionally, it states that it finds me responsible for a {$1000.00} charge to XXXX XXXX dated XX/XX/2020 with the stated reason being You received benefit from this transaction.. Note : I have not conducted any business with XXXX XXXX and this is not a valid transaction. I am not responsible for this transaction. Additionally, this is the first instance of me seeing this transaction or having been made aware of this transaction. This transaction did not appear on my credit statements previously, I believe because the transaction was associated with the XXXX card which was closed ( according to Chases own statements ) XX/XX/2020, 19 days prior to this transaction date. Please see attached file XXXX-Notice.pdf. XX/XX/2020 XXXX : I sent XXXX a follow-up email due to their phone contact information directing only to an automated service saying they are not currently taking calls and to contact the standard customer service line. The email contained statements reiterating that I have not conducted business with XXXX XXXX and that the charge they are finding me responsible for is indeed fraudulent. I include a brief summary of events in the email as well. Please see attached file XXXX. Note the leading account numbers in this email have been redacted for securitys sake and the XXXX last four are that of the new, replacement card. XX/XX/2020 : I received a voicemail from Chase requesting that I call them. I have XXXXwo phone calls with Chase. XXXX at XXXX for XXXX XXXX before interference on the line makes the audio unintelligible. I call back at XXXX and have an XXXX XXXX conversation with the Fraud Department regarding the findings and reiterating that I dispute this charge and that it is fraudulent. During that call the fraud department mentions that there were several transactions of varying amounts from XXXX XXXX that attempted to go through after the initial fraud was reported. I can not speak to the details of the amounts as that information was not visible to me due to it being on the old and cancelled XXXX card. The Chase representative assured me that they would forward this information on and that someone would contact me within the next 24 business hours who could resolve this. I was not contacted. XX/XX/2020 XXXX : I receive an email notification regarding a new letter or notice having been posted to my account. This notice is dated XX/XX/2020. The notice states that Chase has reviewed my fraud claim again and confirmed that the transaction is valid. In addition to some generic verbiage, the following statement is included : We assure you that we researched your fraud claim thoroughly. Again, the contact information listed on the form directs to an automated service stating they are not taking calls. Please see attached file XXXX-Notice.pdf. XX/XX/2020 XXXX : I call Chase customer service and am directed to the Fraud Department and have an XXXX XXXX conversation. During this conversation the fraud representative is confused and looks into the account. They tell me they are unable to give any details regarding the investigation and that the charge has been deemed valid. They provide contact information for a specific representative. I am told if she does not answer, to leave a voice mail. Upon calling, I am greeted with a voicemail message stating due to COVID-19 she is not in the office and not able to monitor voicemails with no stated return date. Due to reaching a dead end, I sent a follow-up email to XXXX stating my need to talk to someone who has the ability to resolve this situation. Please see attached file XXXX-SentEmail.pdf. Key Points : The charge in question is truly fraudulent. I have not conducted business with XXXX XXXX and I have rented no cars in this time frame. I contacted Chase immediately upon notice of the fraud on XX/XX/2020 and have diligently responded quickly to their further developments. The initial fraudulent XXXX XXXX charge was blocked by Chase by their own internal fraud monitoring systems. The {$1000.00} charge Method is listed as Online, mail or phone with a transaction date of XX/XX/2020, despite the card having been closed by Chase on XX/XX/2020. Please see attached file TransactionDetails.pdf. The charge has been posted to my account with a posting date of XX/XX/2020. I have been provided no supporting documentation for Chases findings. I have been given the run-around and have reached the end of my recourse available to me from Chase directly. | ||||||
| 08/04/2023 | Yes |
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| Back in XX/XX/XXXX, I applied for a loan modification through my lender JP Morgan Chase. I was approved and went through the trial payments in XXXX, XXXX and XXXX of XXXX. I was then required to send in the final modification documents to finalize the process and begin my payments with the new modified amounts and time frame on the loan. I originally faxed these forms in per the loan rep that I spoke to, which constantly was a different individual even though I was assigned a specific individual. I sent those documents via fax from a Chase Branch in XXXX XXXX, cause it was closest to my work location. I then contacted the chase Morgatge department who verified the documents were received and all papers was there and going to be submitted for final approval. At this point no issues were brought to my attention, no problems with the paperwork were mentioned. About one week after documents had been submitted, I again followed up on my modification, looking to speak to my assigned lean officer. She was not available per usual so I was offered to leave a message which to that day I have never heard back from her after leaving a message. I opted to speak with the next loan officer who became available. When that individual got on the phone they informed me there was a problem with my paperwork and that it was incorrectly submitted and that faxed paperwork would not be accepted. At this point 2 weeks were wasted due to being misinformed and misguided by the same people who are supposed to be helping through the modification process. I still had the original copies to finalize the modification and told them I would send them in immediately, in which I did roughly 1 hr or less when being informed. The original documents were sent via XXXX XXXX in the return envelope provided. These were dropped off at mail facility in XXXX XXXX Indiana, where I received a receipt and tracked. These were one day aired to Chase and I called again to verify it was received and that they were being re submitted for final approval once again. At this point there was over a week for me to get these papers in and I was assured by a random loan officer not my assigned officer that all should be good and if any problems arose I would be contacted. I again followed up myself cause I want to make sure this modification was done and I could breathe easy knowing that all was taken care of. Again my loan officer was not available and I was offered the next available representative and I took that option. Because at this point I never spoke with my assigned representative and was used to this process. I was told all the paperwork received was correct and I was good to go with my next payment being due on the first of the upcoming month in the new payment amount. I went into the XXXX XXXX Chase on XXXX to make two mortgage payments and bring my payments up to date. Due to being out of town the past 30 days for family issues. I was told by the attendant that payment can not be taken and there must be an issue with my account. I then called to find out my loan went to the foreclosure process on XX/XX/XXXX. Confused I called in to find out I can reinstate my account for {$5600.00}. Then was informed that is all that is possible to bring my loan to current. I explained to the individual what I thought the account was at and she then noticed the modification process through the notes. She took a couple mins and said there was an issue with the final documentation and it was not received on time. I explained that was not the case not only do I have documentation of when it was sent in but also that I spoke with them numerous times before and after the documents were sent and received. Being distraught I let that individual go while I got my paperwork and thoughts in order. Around XXXX XXXX I called again to verify that nothing could be done and what I needed to do to stop the foreclosure. And was told I can start a new assistance application or pay the reinstatement amount of {$5600.00}. Was informed on how to get an application quickly and that was by stopping in a local branch. When I asked what happened with my final documents I was told unfortunately mistakes happen, misfortune and problems sometimes arise. He is very sorry that one of these took place but assured there was plenty of time to submit a new application. I find this excuse not only unacceptable but down right unprofessional and appalling. For over 7 years I have had this loan and made payments and due to unforeseen world issues had fallen behind and struggled over the past 2 years. Originally obtaining the loan I was categorized under XXXX citizen tax rates due to the seller being given this rate. At closing I asked if that was the correct rate and was told confidentiality yes. Then 12 months into the loan received back tax notice where my mortgage doubled for 24 months. I fought my way through that misfortune, mistake and overlooked issue. Making all payments and catching up the loan. Feeling that this is all part of the lenders plan, seeing that multiple friends encountered the same problem. Now that we are where we are, I cant help but think misfortune tends to happen to the unfortunate. I could be wrong, but reapplying for loan assistance after jumping through all hoops and doing as I was informed would like to know why cant Chase be held responsible for mistakes they made on their end? Why do I have to accept things happen? They do it accept that as an excuse to not make a payment, or fall behind. Even at closing they decided to increase the already high down payment requirement which I understand was my fault due to credit issues. But the amount they increased it to just so happens to be {$100.00} less than what I currently had in there establishment. This was no coincidence, they knew what was available in my account and wanted all of it. For years I have been trying to fix my homes assessed value on their end which happened to be exactly the amount of my loan. There is no way this is the case, I have had my own assessment value but Chase does not recognize that as the true value. This assessment of Chases cause me years of paying {$50.00} per month for insurance until 25 % of the home was paid for even though I was required to put 25 % down. Chase has consistently screwed me over and over and I have finally had enough of this treatment for no reason other than for them to continue to rob funds form me for their benefit. This needs to stop! | ||||||
| 10/15/2019 | Yes |
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| On XX/XX/2019, I applied for an Amazon Prime Credit Card. I was called back the following day on XX/XX/2019, by a Chase Bank representative to verify I was the person who was applying to open the account. The Chase Bank Representative asked me questions about my current Chase Checking account and other personal information to verify me through the process. Once verified, they opened the account in my name. The Chase Bank representative acknowledged that since Chase is the Bank that holds the Amazon Card my Checking account would automatically be applied to the payments for my account. I agreed and from that time I held Chase Bank responsible for auto pay from my Chase Checking account. On XX/XX/XXXX, I was notified by an XXXX Alert had I had a late payment reporting on my credit report from Chase Bank for the Amazon Credit Card. I contacted the Credit department at Chase Bank on XX/XX/2019, at approximately XXXX XXXX and explained the situation to a Chase Representative XXXX ( employee ID XXXX ). He denied my request to remove the pate payment. I did pay the balance owed of {$180.00} to bring the account current. XXXX escalated my request to his Supervisor, XXXX ( Employee ID XXXX ) she refuted my narrative and said that they do not call applicants to verify applications for accounts. She then instructed me to go to my Local Chase Banking Branch and they can rectify the issue and provide me a letter and send it to the Credit Bureaus. I immediately went to my Local Branch at XXXX and spoke to XXXX XXXX ( Branch Manager at XXXX XXXX XXXX , XXXX XXXX , CA XXXX ). He heard my narrative and said that he could not help and was concerned that the Credit Department would send me to the Local Branch. He stated that they " Did not want to deal with the issue and wanted me to go away. '' He sat with me and called the Chase Credit department and was informed that they do call Chase Applicants to verify in cases where the applicant does have fraud alerts on their credit files as notifications for creditors to contact applicants for verification. they asked if I had received any notifications through email or by Letter about the Late payments. I told XXXX I had not received any email notifications or alerts because I was set up for paperless. Nor had I received any letters by USPS mail. They explained to XXXX that I need to go back home and call the credit department again and explain to them that I had not received any notifications ( email or otherwise ) about the late payments. I called Chase Credit Department at XXXX and spoke to a Chase Representative ( XXXX-Employee ID, refused to provide ) She then transferred me to XXXX ( Employee ID- she refused to provide ) and explained everything to them from my initial application to my time at the Local Branch earlier and they said they could not help me again and that I had received notifications by mail according to their system. I explained to XXXX that I was set up on paperless and did not receive any notifications by mail or by email. She said there was an email sent out on XX/XX/2019. I looked through my email and explained to XXXX that I have no emails from Chase or Amazon regarding my account and on my Chase Online Account, there were no emails sent from their system and no alerts or notifications sent to my online account. She then backtracked and said it was a letter from Chase by USPS Mail. I said to XXXX that I looked through the last 3 months of mail I have and I found no letters and that I was set up on paperless. XXXX was fabricating the email and letter and caught in a lie. When I called her out on this she said she could not help and that was the end of it. The first point, they were wrong in making that statement. I explained to them that I have fraud alerts set up with the credit bureaus to contact me when a new account is opened in my name. Due to past Identity Theft. After hearing my explanation that I was initially informed that my Chase Checking account would be used to pay my Chase Amazon Credit Card monthly they said it did not matter they did not receive the payment and would not remove the late payment with the credit bureaus. I called again at XXXX and I escalated my call to a 3rd Supervisor ( XXXX-would not provide Employee ID ) and explained again the situation and she confirmed that I was set up on paperless and should have received email notifications and alerts. She asked for my permission to look through my online account and sent me a text to confirm my Identity and she acknowledged that there were no emails or notification sent or notifications in my online account where there should have been notifications. She asked about mail sent to my home address and confirmed my home address and said that I should have received letters via USPS mail. I said I was set up on paperless and XXXX acknowledged I was set up on paperless so therefore no letters would have been sent. She then said that there was no way she could or Chase would remove the late payment to the credit bureaus. Second Point is that I explained to Chase that they said I would be set up on Auto Pay and they would set that up on my behalf since I have a Chase Checking account and the Amazon Chase Credit Card was under the Chase Umbrella. That it would be taken care of since I had a Chase Checking account. I was under the assumption that it had been set up and all payments made on time since I had not received any letters, emails or notifications and my Amazon Card was still active. They misled and misinformed me about their process and would not take Onus of their error. The third point, no correspondence was sent out via email, auto-notification to my online account or through USPS mail. Chase tried to say that a letter one Letter ) was sent out via USPS mail but refuted when Supervisor XXXX acknowledged that I was set up on Paperless. Then XXXX tried to assert that I received an email or emails but that was not true when I gave her access to my Chase Online Account and she discovered that no emails had been generated by their ( the Chase ) system. She said the same thing there was nothing she could do and they could not contact the credit bureaus to remove or revert late payments even if they were at fault, that it was their Chase Corporate policy to keep all late payments in their system.I then returned to my Local Chase Bank and closed out my checking account and had them issue me a payment of the balance of my checking account funds in excess of {$3800.00}. | ||||||
| 05/04/2019 | Yes |
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| Here 's a chronological description of what happened. On the morning of Saturday, XX/XX/XXXX, I got a call from someone in Chase Bank 's fraud/security office telling me that some suspicious-looking activity had shown up on my debit card. She very quickly went through a list of these charges, around 15 or 20 in total, asking if I recognized them. Most of them I didn't. And most of these unrecognized transactions were payments to XXXX for around {$15.00}, though a few were bigger, including the largest payment for {$210.00} to a cell-phone company that I don't use. I told her that these charges were indeed fraudulent and thanked her for catching them. She reassured me that we wouldn't be held responsible for this activity. Chase would proceed with its usual investigation, she said, and reimburse our account in the meantime. She also said she'd cancel my obviously compromised debit card and have a new one sent in the mail. I felt reassured. On the morning of XX/XX/XXXX, I went through my online list of recent activity and noticed that one unfamiliar charge, for around {$56.00}, had been missed. This transaction was to another cell-phone company that isn't ours for a purchase we didn't make. So I called the Chase Customer Claims office and asked that this charge be added to the list of fraudulent ones. It was in this conversation that I first noticed a Chase employee treating me with suspicion. It didn't help that our phone connection was bad ( or that I'm hard of hearing ). Every Chase employee since then has treated me and my wife with a strong measure of defensiveness, obviously seeing us as having done something wrong. My new debit card arrived in the mailbox on Saturday the XX/XX/XXXX. On Sunday I tried to activate it by phone but, strangely, got an automated message saying that the card was already active. On Monday morning I went into a local branch office here in XXXX XXXX XXXX, at XXXX XXXX XXXX, and asked a teller to activate the card. He told me that the card had been reported stolen and that I should destroy it and request another one. I was in a hurry that day but returned the next afternoon, Tuesday the XX/XX/XXXX. In the interim, my wife had tried to use her debit card ( linked to the same checking account ) and had it declined. On Tuesday two different bankers at the same branch location, one of them an assistant branch manager, informed me that our accounts had been completely frozen by the fraud/security department and that we could not withdraw any money from them -- not from the checking account that had been affected by the hacking, and not from our two different savings accounts. As of this morning, XX/XX/XXXX, we still have received nothing in writing to this effect. We're told that a letter was sent when the freezing took place, but if that's true it hasn't arrived. We didn't have any holdings at any other bank. All of our cash and cash savings was inaccessible to us, with no real explanation and no timeline for resolution. I asked one of the bankers in the local branch if this response seemed as strange to him as it did to me. I've been lucky enough that none of my debit cards has ever been hacked before, but I know cases like this occur all the time. After talking on the phone to the fraud department, he told me, shrugging his shoulders and shaking his head, " No, it seems like they're looking into something else. '' We still don't know what that " something else '' is. On the morning of XX/XX/XXXX, we talked to three or four people after initially calling the Customer Claims hotline again. Finally my wife was able to speak to someone who stated, with more clarity, that a decision had been made to close all three of our accounts. We still could not access any money in these accounts, she said, and could not come to receive a cashier 's check in person. Instead, in 7-10 business days, we should expect a check in the mail ( regular mail! ) in the amount of all of our balances, which will come to a total of just under {$90000.00}. And we are not allowed to open another account with Chase Bank now or in the future. The decision, this person declared to my wife, who was fighting back tears, is irreversible. The only explanation provided was that too many " claims '' had been made on our account of late. The bank treated each of the fraudulent transactions as a separate claim, requiring a separate investigation, and I guess we can understand that 15-20 may seem like a high number. And yet they were all relatively small charges, most of them around {$15.00}, made over a span of a few days -- the time frame, obviously, when the debit card had been hacked. The total disputed amount comes to around {$500.00} : enough to make us want to resolve the problem and re-secure our accounts, sure, but not enough to make us think we were at risk of losing all our cash and savings. The bank 's reaction seems wildly disproportionate, which makes us assume that they've decided we are guilty of some greater misdeed that they haven't named. We can only conclude that they refuse to tell us anything substantial because they are still investigating us. As of the evening of XX/XX/XXXX, our checking account, which had a balance of around {$8800.00}, and a small savings account for our XXXX-old daughter, which had a balance of {$8000.00}, had been XXXX out according to my Chase phone app. The previous balances had been subtracted for a " XXXX Check '' : I assume for the check we must hope to receive by mail. But at that point our savings account, with for us a sizeable balance of {$71000.00}, was still showing up as usual. We took screen shots to verify and can provide them as needed. As of yesterday morning, though -- the morning of XX/XX/XXXX -- that large savings account no longer appeared at all in my online profile. I can not even locate the account history. It's as though the account, with all the cash we stowed away for several years as we prepared to have a child and then became new parents, had vanished overnight. We're told to expect this amount to come by check, in around 7-10 business days. In the meantime we are blocked from almost all the money we have in the world. We can use what little cash we happened to be carrying in our wallets, yes, and the money our parents can try to wire us, and our credit cards. And yet we still have bills to pay. And because our young daughter was diagnosed last month with XXXX XXXX XXXX, we have XXXX and equipment to buy. | ||||||
| 09/18/2021 | Yes |
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| Between XX/XX/2021 and today, XX/XX/2021, I submitted a dispute for two charges with Chase Business. The first - against XXXX XXXX ( {$1600.00} ) - was initially submitted around XX/XX/XXXX. This was due to health risks/violations inside of my suite ( hard to breathe due to mold in AC, mold growing in carpet, cigarette smoke seeping into room from improperly sealed windows, etc. ), repeated refusals to move myself and my pet to another suite , accusations of being the source of some of health risks/violations, and potential racial discrimination ( as is also supported by previous guests and their reviews of their stay. ) The second- against XXXX ( {$490.00} ) - was submitted around XX/XX/XXXX. This was due to being charged for a full 7-day stay, after I was forced to cancel my stay within 4 hours of arrival. This is because the rooms I was offered had XXXX XXXX ( XXXX ) in one and the strong smell of ammonia ( from mold/mildew in AC ) in another. The front desk refused to offer another room, so I cancelled the same night, and ended up sleeping in my car with my pet. In that time, I have had multiple dispute submissions repeatedly denied solely on the strength of the XXXX 's claim, or arbitrary rules that were never explained prior to dispute submission. This has occurred under the false pretenses, given by Chase, that these disputes and provided evidence would be thoroughly reviewed. This has occurred even when the merchant has provided proof that contradicts their claim, and I have provided proof that shows that I met their criteria for a full refund. This exact scenario occurred earlier today ( XX/XX/XXXX ) when I was told that Chase considered the XXXX charge valid, and I would have to resubmit my dispute if I disagree. The evidence that was used for this determination was the merchant 's proof from a prior dispute on XX/XX/XXXX. My evidence- which was submitted as a re-dispute of the XX/XX/XXXX determination - included emails that showed that I was owed a refund, as well as circled XXXX proof where it states " Cancellation Policy : Refundable. '' This was ignored. I repeatedly asked the individual I spoke with, " What proof would I need to provide in order to change Chase 's determination? '' She simply repeated that " If you don't agree with the determination, you can resubmit your dispute. '' This is what Chase has advised me to do repeatedly. However, after speaking to a supervisor two days earlier ( XX/XX/XXXX, ) I was informed that too much time had passed to reopen the XXXX XXXX dispute. And, according to the claimed timetable, the XXXX charge is close to running out of time as well. I was told this moments after having a dispute canceled while I was on the phone with another individual. This has happened 2-3 times during my interactions with Chase. That same day ( XX/XX/XXXX, ) I called because I noticed that my XXXX XXXX dispute - re-submitted between XX/XX/XXXX and XX/XX/XXXX - was missing from my account. When I asked, I was told that the dispute had been closed and I should have received a digital letter on XX/XX/XXXX. My account shows a letter for XX/XX/XXXX, that clearly states " We're researching the charge ( s ) you disputed recently, '' and a letter from XX/XX/XXXX, regarding the XXXX charge. I, to this day, do not have any written evidence that the dispute was terminated on Chase 's end. Once I was escalated to a Chase supervisor, I was informed that the XXXX XXXX dispute was originally denied because I did not cancel my stay there. The reason why I did not cancel was because I did not have anywhere else to go. Due to a very complicated family situation, and a family member 's attempt to kill my pet, I booked with the XXXX XXXX so that I could find an apartment to move into. I also was afraid that I would not receive my money back. So, when I asked why my XXXX dispute had been denied - a hotel stay that I did cancel - I was told that it was because the merchant claimed that the stay is non-refundable. Again, this is after XXXX provided Chase proof that clearly shows that I am owed a refund. And this determination is in spite of the emails I have provided. Please note that this conversation occurred on XX/XX/XXXX, after 10 weeks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, ) of providing additional evidence and resubmitting disputes as I was advised to do by Chase. And this conversation occurred after 10 weeks of calls ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) In the almost 3 months that have passed, I have provided over 50 pages worth of emails, documents, transcripts and/or written accounts of phone conversations, copies of my tracked location ( to show that I cancelled and left my XXXX XXXX, ) months of copies of previous XXXX XXXX guests that experienced the same issues I claimed, and more. I have been more than patient and understanding, considering that we are still in a global pandemic, morale is low, and people are dealing with their own set of problems or loss of family & friends. However, as someone who is dealing with everything listed above - including a pandemic, low morale, loss of family, and their own set of problems - my situation with Chase has been nothing short of unnecessarily stressful, confusing, and disheartening, to say the least. It has also, clearly, been misleading. In regards to the XXXX XXXX situation - because it was malpractice and borders a lawsuit - I was told by Chase employees to resubmit my dispute as " Issue with service, '' only to be told, months later, that there is nothing they can do. In regards to the XXXX situation, this is clearly a situation with a charge error and a merchant that refuses to return money for a service that wasn't used at all. Ultimately, this is not the experience that many other cardholders have had regarding situations like this, nor is it what Chase advertises. However, when it comes to me, Chase has shown that they will refuse to protect their cardholders from malpractice, will refuse to thoroughly review their cardholders ' claims, will side with the merchant regardless of what the evidence shows, and will push you to resubmit your dispute while being fully aware of the deadline to reverse a charge. And I am now in a position where, due to time passed, it will be extremely difficult ( if not impossible ) to receive a refund directly from the merchants. | ||||||
| 02/16/2021 | Yes |
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| On XX/XX/XXXX ( XX/XX/XXXX ) Chase Bank sent me notice that my account ending in # XXXX was fraudulently compromised. The letter instructed me to contact Chase Bank. I called the number on the letter, the chase representative instructed me to go to any Chase Bank with 2 forms of ID. Due to XXXX XXXX, On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX , CA , XXXX. XXXX XXXX was the banker that verified my ID my ATM card and my driver license. Mr. XXXX showed me # XXXX for {$1000.00} and # XXXX for {$500.00} with my forged signature. Both transactions was done in a inside branch in XXXX, California. The bank location wasn't provided to me because he stated that he didn't know that. Both transactions were done on XXXX, XXXX ( XX/XX/XXXX ). I don't know the time of day. Mr. XXXX verbally asked me if I did the transactions, I stated " No '' and I also verified that the signature wasn't mine. Chase Bank didn't provide me with and affidavit of forgery, which I requested several times. On XX/XX/XXXX, I requested a new account and to file a claim for my money to be reimbursed of my funds that were fraudulently taken from my account. I withdrew remaining funds from # XXXX ( the compromised account ) and put the my funds into the new account # XXXX. I didn't have the support of the teller or the banker ( XXXX XXXX ). Mr.XXXX was trying to make the process very confusing because he purposely linked my new account to the old account and put the opening date of the new account for XX/XX/XXXX the year that I opened the # XXXX account that had just been compromised XX/XX/XXXX. I had that account closed ending in # XXXX I asked him why he would link the accounts, put an erroneous date and CREDITED all my remaining funds to the new account instead of making a cash deposit of the funds. The point of that is a credited amount could be reversed, moved and accessed by the banker. Why would he want to keep my remaining funds open to his discretion that is a scam right there. I had to insist repeatedly for him to open a new account several times that was not linked or connected to the old account, over and over. He opened the account but yet again linked the new account # XXXX to old compromised account # XXXX. I had to request a claim to be submitted for my money to be reimbursed to me. This was a concern for me because Mr.XXXX was being sullied ( Shady ) in his banking practices. I had to ask for copies of everything he offered nothing for me to reference or provide as proof, at all. He stated that I would have to call the Chase Bank claims department to get updated information and that I would receive some info in the mail in 3-4 days. On XXXX XXXX I went to Chase Bank @ XXXX XXXX XXXX XXXX XXXX, Ca. XXXX to check the status of my claim for # XXXX and to ask why I didn't need to fill out an " Affidavit of Forgery ''. I provided two forms of ID to XXXX XXXX, she looked up the account and she informed me that the claim was being processed and that no affidavit was needed. However, she didn't inform me that the new account was compromised for {$100.00} on XX/XX/XXXX, remember the accounts are linked. So, another in branch fraudulent withdrawal was made on the new account. Once again someone went into a Chase Bank branch and made another withdrawal on a new account on XXXX XXXX. Everything from there was just wrong to me. They were the worse no customer help ever. The bankers and the tellers were just wrong in every way. On XX/XX/XXXX I finally got a banker to submit a claim on account # XXXX for {$100.00} and withdrew my remaining funds from the account. On XX/XX/XXXX I went back to the XXXX XXXX, CA Chase Bank to have both accounts closed # XXXX and # XXXX. Once again they were not helpful at all everything was me insisting that they submit the paperwork for the account to be closed and get the interest on the account adjusted so the accounts would be closed without fees. Since then I have called the claims department several times and have gone to the Chase Bank regarding my reimbursement. On XXXX XXXX the Chase Bank claims department stated that the Bankers at both locations have not updated any of their information so the more than six times I went to bank to conduct business XXXX XXXX, XXXX XXXX NMLS ID : XXXX XXXX XXXX - NMLS ID XXXX, XXXX XXXX XXXX NMLS ID : XXXX not one of them updated the information regarding my identity being verified with two ID 's, my bank card ( ATM ) and drivers license. This is just basic follow through, no empathy or concern to make such simple notation on the account. They have employment so maybe {$1500.00} is nothing to them. But Covid-19 has made a real hardship for most. The notation would have cleared that particular alert request for the claim department. Instead it made it appear that I was being indifferent about the instructions, I went presented my two forms of ID several times to the Chase bankers, what is all that for if they don't have the integrity or human dignity to perform the duties and provide the services of their jobs. They wouldn't make one note of that on either account. Chase bankers say call claims and the claims department is telling me to go a bank branch. As of XX/XX/XXXX I went to Chase @ XXXX XXXX XXXX XXXX XXXX, CA. XXXX. I go there because this is the branch that I opened my account several years ago. As far as I know account # XXXX is still open with my available balance being the reimbursement amount in it. I have been told that the account was closed several times before today that the account was pending or that I will get a letter. But I haven't been reimbursed my funds from the two in branch fraudulent XX/XX/XXXX forges. Chase has not been very helpful in returning my funds or providing accurate information to me. I have received letters from Chase stating that both claims for each account were approved as fraudulent activity not of my doing, XX/XX/XXXX. However it still appears that the # XXXX account is open, based on the receipt summary the teller provided. Please assist me in getting my funds reimbursed to me. I DO NOT want either account to remain open and both accounts were closed to my knowledge on XXXX XXXX. I have not tried to access the funds in # XXXX or transfer the funds because I want both accounts closed. Also, it is suppose to be under investigation by Chase fraud department. I want Chase Bank to Refund my money and close the accounts, the account should not be incurring any interest. | ||||||
| 06/07/2022 | Yes |
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| I'm a XXXX XXXX XXXX, and I was approached through a job board for creatives called XXXX XXXX XXXX by a potential client inquiring about an XXXX XXXX I was told the publication was XXXX XXXX, out of XXXX XXXX CA which is a legitimate publication which I had looked into. They used the name XXXX XXXX and had full documentation on what the scope of the job was, how much the budget was, image examples etc all of which is how a normal editorial publication would be presented. The budget for the XXXX was {$7000.00}, which was a {$4000.00} XXXX fee and {$3000.00} was for the agency booking talent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The initial deposit check amount was for {$5000.00} from the client, and the {$3000.00} would be sent to the agency ( XXXX XXXX, based in XXXX ). I looked into the agency and found their site, which also appeared entirely legitimate, and contacted the agent I was told to reach out to whose name was XXXX XXXX, again all of this is how shoots are booked and set up, I've been doing this for a decade and done this same type of process several times. I was sent the deposit check and agency fee of {$5000.00} in the mail, and I deposited it electronically into my account through the Chase app. While I waited for it to fully clear, I requested a W9 from the agency I was to be paying and was sent a filled out form with the agency address ( which matched the address on the agency website ) and a SSN for the agent named XXXX XXXX. I then waited until Chase completely cleared the check, I did not touch any of the funds while it was a pending transaction but waited until Chase FULLY cleared this check and put the entire sum of {$5000.00} into my account, before I began to initiate the XXXX transfers for the total {$3000.00} being sent to the agency, and to an account for XXXX XXXX with the XXXX email of XXXX tied to the account. Then 2 days after the initial transfer, Chase pulled the check in its entirety out of my account, after the {$3000.00} funds had already transferred to the agency. I called Chase immediately and they said it had something to do with the signature, so I went to a chase branch and they informed me there was concern with the signature making the check fraudulent. I stepped out of the bank and called a number I found for XXXX XXXX and left a voice mail that I needed to get in touch with someone there, I then XXXX the name of the bank on the check that was sent to me and called the bank directly ( XXXX XXXX in XXXX GA ) and had told the woman who answered the phone what Chase was concerned with and asked if I could read off the account number for her to tell me if the account was or was not fraudulent. She said yes, and I read off the number, she placed me on hold to check and when she came back on the line she said that it was in fact fraudulent. At this time I received a call back from XXXX XXXX who had said this was a scam, they were aware of it, and it's been happening for a while now. By their estimate this has happened to at least 35-40 XXXX who have contacted them about it. They said someone has been using the names of current and former employees, running this scam with all sorts of legitimate documentation and pulling this off. She then told me to email her and she would send me the information they have been sending to the XXXX this has been happening to which included links to the XXXX website and USPS claims site to file reports. I then went back inside of the bank and was told there is nothing Chase could do, or would do, to help me and that they would mark it as fraudulent and begin some type of investigation. When I returned home from the bank I began calling Chase and XXXX to try and figure out what I need to do next, and figure out if I can get my money back after this entire scam. Chase and XXXX claimed there is nothing they can do, and it is out of their hands. They've also told me that they can't even see/say what banking institution this money was sent to, which is entirely false. It's a digital transaction to another account through XXXX so they have documentation on where it was sent. I have spoken to people in their claims and fraudulent department, and supervisors within that department, trying to wrap my head around how this could even happen. I don't understand how I am now being held responsible for fraudulent funds that the BANK issued to me, the check was no longer pending, it was cleared ENTIRELY on Chases part and put into my account, the full {$5000.00} not just some initial {$500.00}. That is the entire point of having a bank and using a banking system. Without a bank a check is just a worthless piece of paper, their processes are what give it monetary value, but they claim zero responsibility and are blaming their digital systems for this oversight. Meanwhile I have heard from the individuals at XXXX XXXX, who are trying to help any way they can, that other XXXX that this scam has been done to have told them that " Some of the banks have reviewed the check when presented to them and have said that the security mechanisms weren't there so they DID NOT ACCEPT THE CHECK for deposit. ", according to XXXX XXXX at the publication. But Chase accepted this check through electronic deposit, pushed it through the pending process, and made the funds available to me after their pending process had completed, and then waited to say it was fraudulent after the fact at least 2 days later, and with NO notification. All they did was take it out of my account, had I never checked my account I would not have even known that it was retracted. I don't understand what I am supposed to do or where I am supposed to go from here to try and reclaim my funds now, it took me 30 seconds and a phone call to find out if this check was fraudulent when Chase said they were concerned, but a tried and true financial institution can't perform that very task with which they solely exist to perform? I have all of the email correspondence from this scam, a W9, I have a phone number they sent me messages from, emails to the XXXX account and another XXXX account they sent over at some point, all of the initial documentation claiming that they were this XXXX XXXX, I still have the check they sent over as well so I can supply any and all documentation needed including screenshots from Chase of the deposits. I have already filed reports with XXXX, the USPS, the Florida Attorney Generals Office, and the local PD as well. | ||||||
| 03/01/2018 | Yes |
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| XXXX XXXX XXXX Chase Mortgage Mortgage Loan Number : XXXX My date of birth is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Chase Mortgage XXXX. XXXX XXXX XXXX, OH XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 I am writing to request for help for a correction of the following credit information that appears on my [ XXXX, XXXX, and XXXX ] consumer report : On XX/XX/XXXX I submitted a Error Resolution Notice under 12 C.F.R. 1024.35. I never received any outcome to this letter ( attached ) During my current refinancing for my home mortgage my credit report showed 3 months of late payments by Chase Bank ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I had a home mortgage with Chase Bank for over 9 years. I had auto pay set up with my Chase checking account ( XXXX ) as well. Chase is claiming that on XX/XX/XXXX, I called in to make a stop payment for my auto pay for my mortgage. This stop payment caused 3 months of late payments to on my home mortgage loan ( XXXX ). I work for XXXX XXXX XXXX on a secure floor. No personal cell phones are permitted for use while on the floor. We are required to clock/punch in for the day at our computers and start taking calls. I have proof to show I was clocked in and taking calls during the time Chase claims I called in to stop a payment. I never asked Chase to stop debiting monthly payment on my mortgage. I never asked Chase to delay payment for a week and never in fact asked them completely stop payment. XXXX XXXX XXXX Chase Mortgage Mortgage Loan Number : XXXX My date of birth is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Chase Mortgage XXXX. XXXX XXXX XXXX, OH XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Cont. The following is the correspondence with Chase to trying to rectify this Chase error. On XX/XX/XXXX Called Chase regarding my Error Resolution Notice under 12 C.F.R. 1024.35. The Chase representative claimed to have no knowledge of this letter. On XX/XX/XXXX Spoke to XXXX at Chase at XXXX ( XXXX ) XXXX only shows that I spoke with a personal banker named XXXX XXXX XX/XX/XXXX ( Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) XXXX talked to dispute department regarding the ACH causing my non-mortgage payment. XXXX said the branch manager ( XXXX ) did not complete a dispute work order for the ACH. XXXX also shows the branch manager ( XXXX ) did nothing and completed no forms to open a case for this dispute XXXX created a Chase dispute case # XXXX. XXXX said it would take 4 business days to complete. On XXXX at XXXX Spoke to XXXX at Chase Chase mail a responds letter. I also had them email it. I asked for proof that I personally did in fact create the stop payment. XXXX could not see at proof and created another work order case # XXXX. XXXX said it would take 4 business days to complete On XXXX at XXXX I spoke with XXXX. She could not help me and after 15mun I ask for her supervisor. I was on hold for 12 mins. She stated a letter went out with the same outcome of the last letter. I asked to speak to her manager. I was placed on hold another 16 minutes. XXXX manual escalation specialist came on the phone. Said I have to get checking involved. I told her that this is exactly what Chase has been doing to me. Transfer me to other departments. Then those departments say it's the other departments responsibility. I asked for her manager. I was put me on hold for 15 minutes and then hung up on. On XXXX I spoke with XXXX in the checking department ref open dispute case number XXXX. He transferred me to a supervisor in dispute department at XXXX I spoke to a supervisor XXXX XXXX after being on hold 26 mins. He transferred me to the disputed department XXXX. Before he transferred me he said he does not see any stop payment. Spoke with XXXX in the claims department. I could not understand her. She spoke broken English. After explaining my situation again she told me she could not help me I asked 7 times to speak with someone I could understand. I ask also 7 times to speak to a supervisor or manager. XXXX said that she was the only supervisor manager in her department. I told her again I could not understand and that I would like to speak with somebody that I could understand. She said that I will have a call back. On XXXX at XXXX. I went to the following Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I met with XXXX XXXX XXXX. The bank manager was out. I explain that on XX/XX/XXXX the bank manager XXXX helped start a dispute on the stop payment from XX/XX/XXXX. XXXX said that she could not help me and said she would pass along this information to XXXX. On XXXX at XXXX I received a call back from XXXX XXXX bank manager. He said to me that there was nothing he could do and that the letters that were sent to you was the end result. On XXXX at XXXX XXXX Spoke to XXXX in the office of the President She took a lot of notes and reopen the case. Case number XXXX XXXX told me this was a reopen of an old case number except for the - XXXX at the end. I have never heard of this case number before. XXXX also told me that she set this case for a severe status. Date : XX/XX/XXXX Chase Mortgage XXXX. XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX TX XXXX. Chase Mortgage sold my loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Chase Mortgage transferred my mortgage with past due amounts and missing payments. I have had autopay set up from the very beginning of this loan from my Chase checking account. I also have overdraft protection on all of my checking savings accounts as well. XXXX XXXX XXXX is telling me that they are showing no payments for the last 3 months. When I call the mortgage department they refer me to the checking account departments and when I call the checking account department they reference me to the mortgage department. I have been going round and round with you Chase for the last two months and this is totally unacceptable. Please correct this account and bring it up to current. Also I would like you to update XXXX XXXX XXXX as well. If you need to contact me, I can be reached at XXXX or email at XXXX XXXX, XXXX XXXX | ||||||
| 05/26/2022 | Yes |
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| On XX/XX/XXXX, I made a booking on the Chase XXXX website for XXXX at XXXX XXXX by XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. Itinerary # XXXX. The purchase was made using XXXX of my Chase XXXX XXXX points. A few days later, I cancelled the reservation for a full refund. The reservation was removed from " My Trips '' and I believed the refund went through correctly. I booked another condo instead outside of Chase, the XXXX XXXX XXXX, for my stay. Months later, on XX/XX/XXXX as I was landing in Hawaii, I receive a Welcome email from XXXX at XXXX XXXX, the XXXX I cancelled many months prior, with instructions on how to check-in for my stay beginning XX/XX/XXXX. I realized there must have been a mistake with Chase 's XXXX site as I had cancelled this reservation months earlier and expected my points to be fully refunded. That same day ( XXXX immediately call Chase XXXX and explained the situation to the Chase XXXX representative. The representative tried contacting XXXX at XXXX XXXX with no answer, despite calling within their stated business hours. I try calling XXXX at XXXX XXXX directly with no answer. The Chase XXXX rep suggested I try calling back the next day, XX/XX/XXXX ( day of " check-in '' ) to see if contact could be made with XXXX at XXXX XXXX XXXX I agree and send emails to XXXX at XXXX XXXX explianing the situation and asking for someone to call me back. I get no reply that day. The next day, XX/XX/XXXX, I call XXXX at XXXX XXXX and explained the situation. They explained to me that if Chase XXXX contacts them and explains the situation, they could possibly approve a refund. I call Chase XXXX again and explain the situation. The Chase XXXX rep explained to me that since the since the reservation was showing " good to go '' on their system, they would have to do an investigation to determine if there was a glitch on their site causing the error. They could not determine that that same day so the XXXX at XXXX XXXX could not approve the refund. The Chase XXXX rep explained to me that since I would incur a 100 % penalty if I cancelled the reservation now, since the reservation is " good to go '' I could check in to the hotel and they would do an offline investigation within 72 hours. if the glitch was with the Chase XXXX site, I would be refunded. Since I did not want to incur the 100 % penalty, I agree to " check-in '' to XXXX at XXXX XXXX XXXX XXXX keeping my original ( correct ) accommodations across the street at XXXX XXXX XXXX XXXX I had no need/intention of staying at XXXX at XXXX XXXX XXXX which is why I originally cancelled it ). XXXX members of my party stayed at XXXX at XXXX XXXX for XXXX nights only. Since XXXX at XXXX XXXX was inferior to our other XXXX, my XXXX family members not to stay there any longer and leave to stay with me at the XXXX as originally planned. We did not " check-out '' since we were still under the 100 % penalty timeframe anyways. The promised 72 hours come and go with no update on the promised offline investigation. I decide to wait until after my trip ended to call back and inquire on the status. After I returned home, I call Chase XXXX again. They did not investigate if the error was a site glitch. Instead, they try contacting XXXX at XXXX XXXX again asking for a refund, which XXXX at XXXX XXXX denied. I reiterate that this is the fault of Chase XXXX as the glitch originated on their website, so I expect a refund from Chase, with or without approval from XXXX at XXXX XXXX. On XX/XX/XXXX, a Chase XXXX Consultant by the name of XXXX XXXX contacted me saying the XXXX at XXXX XXXX would not approve a refund because proof of early " check-out '' was not available. I explain to her that the orignal Chase XXXX rep I spoke with on XX/XX/XXXX encouraged me to check-in to Palms at XXXX XXXX since I was going to be penalized 100 % anyway and Chase would refund me if Chase investigated and found out there was indeed a glitch on their travel booking site. XXXX XXXX then states " If maybe perhaps you can provide proof of cancellation on your end with the reservation then we could see what we could do on our end as Chase. ". On XX/XX/XXXX, I reply back to XXXX XXXX with proof of cancellation in the form of a screenshot taken on XX/XX/XXXX showing no active reservations under " My Trips '' and instead, the reservation showing under " Past & Cancelled Trips ''. On XX/XX/XXXX, XXXX XXXX responds back saying they would issue a partial refund on the " unused '' nights if I could provide proof of early checkout. Again, I was never told to officially " check-out '' as I only stayed 2 nights before leaving and it was the original Chase XXXX rep who instructed me to still check-in as the reservation was " good to go '' and I would still be refunded if they determined the error was due to Chase 's XXXX site XXXX XXXX acknowledges : " This will be a courtesy refund as there was a site error on our end when you tried to cancel the reservation and showed cancelled on your end but still active on your my trips on our end. '' I respond back with the proof I had, which was my XXXX XXXX confirmation booking for where we truly stayed which proves we had no need to have a second condo, the XXXX XXXX. On XX/XX/XXXX, I get a generic email saying : " After review of your file, we have determined that we can not provide the requested compensation. we have reached out to the hotel and they have informed us that they have no record of you checking out early from your reservation and therefore can not provide any compensation. '' Chase continues to deflect blame despite promising me a refund if they determined the error was due on their part ( chase XXXX site glitch ). XXXX XXXX acknowledged Chase 's error on the XX/XX/XXXX e-mail. They then pivot to another excuse/hurdle for me to prove which is an " early check-out ''. I explained to them had the original Chase XXXX rep not advised me to check into the XXXX XXXX anyway due to the 100 % penalty, I would have not even step foot on that property at all to avoid them claiming I " used '' the property. I reiterate I did not use it, I already had a condo across the street ( XXXX XXXX ) that was much better than XXXX XXXX. I consider this an act of bad faith at the very least and unfair and deceptive practices on Chase 's part, at worse. They acknowledged the site error/glitch, they should resolve it and not put the blame on the XXXX XXXX or myself. | ||||||
| 01/10/2022 | Yes |
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| Dear Consumer Financial Protection Bureau I am filing a complaint against Chase Bank and its Home Mortgage Loan Department for : 1. Failure to provide me complete and accurate information concerning Chases requirements for obtaining a home mortgage loan BEFORE I gave them a {$500.00} deposit. 2. Although I was assured by an Executive Office Staff ( XXXX XXXX XXXX ) that I would receive a full refund of my {$500.00} good faith application fee, Chase deciding instead to unjustly keep my {$500.00}. In XXXX of XXXX, I filed an online loan application with Chase to refinance my current mortgage. This was the worst, most stressful thing I could ever have done. After 2 months of waiting for a reply from a mortgage department staff, I went into a Chase branch on XX/XX/2021 and spoke with XXXX XXXX XXXX XXXXXXXX, a personal banker. I explained to him that I had submitted an online application but no one contacted me from Chase. XXXX XXXX said he would forward my information to his collegue XXXX XXXX and she would contact me. The next day, I spoke with XXXX XXXX about refinancing my current mortgage. She wanted to immediately pull my credit report. However, I told her that I wanted to make sure I would qualify for the loan BEFORE I pay the {$500.00} application fee. I specifically said that I could not afford to forfeit my {$500.00} deposit, therefore, I wanted to address my concerns up front. I told her that I had 3 concerns. 1. I was self employed and did not have a traditional W2 income. 2. I told her my current loan was in forbearance and wanted to make sure that this would not prevent me from getting approved for a loan 3. I told her that the property deed was held in the name of my TRUST and I asked if that would be an issue with getting the loan approved. XXXX was unsure if any of my 3 concerns would be an issue, so she wanted to speak with her manager XXXX before she answered my concerns. I told her it would be BEST if I spoke with XXXX ALSO before we proceed with the mortgage application. On XX/XX/2021, I spoke with XXXX and repeated my concerns to him, just as I did to XXXX. XXXX assured me that my 3 concerns would not be a problem and would not prevent me from being approved. He suggested that I should submit all my documents to XXXX, and have her pull my credit report so that Chase could do a preliminary application/underwriting review BEFORE I submit the {$500.00}. Once all the documents were in hand, Chase would be able to determine if there would be a problem. I agreed to do as XXXX suggested. On XX/XX/2021 XXXX emailed me a long list of documents to upload to the Chase portal for which I complied. On XX/XX/2021, I received another email from XXXX stating : 1. that she received my documents and that my file was ready for XXXX XXXX based on my information submitted, I would be eligible for an appraisal waiver 3. I would hear from her in a week or 2 once the file is reviewed by the underwriter. On XX/XX/2021, XXXX called me and stated that everything went well and that she now needs to collect the {$500.00} fee. I gave her my Chase credit card number and she charged my account. On XX/XX/2021, I received a mortgage commitment letter stating my application was approved. Over the next two months the process took a negative turn. I received a call from XXXX XXXX company informing me that I would need to have my attorney change the title and prepare a new deed for the property. When I asked why Im being asked to change the title deed, I was told someone would get back to me with an answer. After several weeks passed with no answer to my question, I contacted the Chase Executive Office for help. My case was assigned to XXXX XXXX XXXX. XXXX XXXX stated she would contact the mortgage department to get an answer to my question and find out why no one has returned my call. However, on XX/XX/2021, I received a voice message from someone name XXXX XXXX asking me to call her concerning my loan application. When I call XXXX XXXX, she informed me that in order to move forward we will need verification of the Forbearance/payment deferral plan and also verification that at least 3 consecutive payments have been made since the approval of the plan. I was SHOCKED since no one at Chase had EVER mentioned that I would need to provide proof of 3 consecutive payments on my forbearance loan. ( Especially since my current mortgage-lender did not require me to make a mortgage loan payment until XX/XX/2021. ) Since I was NEVER told of this requirement, I again called XXXX XXXX XXXX at the Executive Office. XXXX XXXX said she KNEW that I WAS unaware of the 3 payments requirement and that Chases staff failed to inform me during the process. For this reason, she asked XXXX XXXX to personally contact me to explain the 3 consecutive payment requirement. I told XXXX XXXX, that the mortgage process has been stressfully horrible and that as a long time Chase customer, I am appalled, extremely disappointed and VERY depressed. I had spent the last 4 months going through this loan process and I want my {$500.00} returned to me. XXXX XXXX stated that she would make sure my {$500.00} was returned to me since the loan processors fail to inform me of the 3 payment requirement. XXXX XXXX promised that it would take a few days, but my {$500.00} would be returned to my Chase credit card from which it was withdrawn. I waited about 2 weeks but the money was never refunded to my credit card. On XX/XX/XXXX, I sent an email to XXXX XXXX inquiring about my {$500.00} refund. She said I would NOT be receiving a refund. I immediately contacted the Executive Office again and was told that XXXX XXXX was out of the office but I could speak with XXXX XXXX. I explained to XXXX XXXX what had happened with my application and he said he would contact the loan department about getting the {$500.00} refunded. I told him that XXXX XXXX assured me that I would receive a refund. Two days later, I received a voice message from XXXX XXXX confirming that he spoke with the loan department and I WOULD NOT be getting a refund. After reading many reviews from other consumers, I believe that Chase is using its mortgage loan process to rip off consumers of their good-faith ( {$500.00} ) money. Im asking the Consumer Financial Protection Bureau to investigate Chases mortgage refinance practices and policies. More importantly, to instruct Chase to return the {$500.00} which was taken from me. | ||||||
| 06/04/2020 | Yes |
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| In an email I sent to my personal Chase banker on XX/XX/XXXX, I submitted the following description of the dispute and issue with Chase Bank. I opened a new business account in XX/XX/XXXX, and I was issued a business credit card because my credit score at the time was XXXX, and I had an excellent payment history and worked hard to improve my credit score since my home was foreclosed upon in XXXX. I believed that I was awarded the {$6000.00} credit limit card from Chase Ink because of my hard work. I feel that I was the victim of predatory lending because the banker suggested that by my opening an business account, and a credit card, I would be able to take advantage of lower rate and promotional discount for having INK business credit card. I traveled to XXXX XXXX XXXX and when I returned to the country I recognized later that the card was frozen. My banker told me that because I was out of the country there may have been charges that were unrecognized leading to the card being frozen. He encouraged me to continue to make payments so the credit dept. will see that I have good intention so that they may reestablish usage ability. The following is my explanation of what ocured and the timeline. I am following up to my visit to your office on XX/XX/XXXX. I am under the gun here. I have maintained a relationship with Chase for many decades. I have had goals of attaining my first credit card in over 15 years when I applied for the Chase Ink card last year. At that time, my credit score was over 680 pts. I was awarded the Chase Ink card when you helped me to open my business account. As I mentioned last month, I received a notice from XXXX that due to the closing of my Ink card, which I didn't know was closed as I rarely used it due to spending a quarter of my year overseas. We spoke before my card was closed, when my account was frozen, as the bank was determining my crrdit worthiness, although they had ALREADY approved me for a {$6000.00} limit. At that time, you told me that I should continue to make payments so they view me favorably, to reinstate full use. In XXXX of this year, XXXX contacted me saying my score dropped XXXX. Then as a result, I called experian to have then tell me why it dropped and to contest it, because I had only gotten the card last year and have been paying diligently on it. They told me that I had to contact chase to determine why this occurred. I called XXXX and told them that in XXXX I had moved, and although my records were updated, I did not receive any explanation for my account being closed. Chase representative mailed me an explanation letter which merely said, that I didn't have enough credit history. This is exactly the practice in the news. I've worked hard to get a good credit rating. One worthy of getting a credit card. To have my own bank deny me bc my history isn't broad enough. Yet, the kicker is that my bank did, but for a moment provide me with a line of credit for approximately 4 months. This is devastating my ability to reach my company 's and My full potential, and status in society. Because I can not get a low rate loan or mortgage due to this blemish on my credit. I know that this is of no fault of your own but, you are the only support I have to this injustice being corrected. Across the nation, credit lines are getting a boost from the Fed for the effects of the Covid Pandemic. I want the nearly 100pts that were lost in my credit rating, replaced. I have worked hard to maintain positive lines in my other financial responsibilities and I have to have this solved this week. My lease ends this month. With my real estate brokers license, I am starting a new realty firm and purchasing a property this month. I can not have my credit rating be so terribly affected by this which is an ongoing, daily blemish and stress to what seems to be a questionable fiduciary worth, loyalty and fortitude. I am loyal, I have proven myself capable of growing my business, and I have HUGE goals the next 5 years, starting with the purchase of my investment properties this year. Please tell me what can be done and how soon as my settlement with former business partner has been reached and I need to begin my search for funding resources because I will come into a large sum of money as a result of the settlement, and will want to reinvest in my city. XX/XX/XXXX Followed up with my personal banker with this message : Hi A I am following up with you on your end, and with regard to the query that I mailed regarding the state of my credit scoXXXX because of the card chase issued to me. I am going to submit for home loan approval and I have been checking my score daily and need to have this resolved so my score can improve as quickly as possible so I can move on with my life. XX/XX/XXXX I followed up with my personal banker with this message and submitted an written, inner company complaint form by mail. I attached the form used and the email to my personal banker reads as follows : I want to email you to reconfirm our conversation over the phone the past hour that you did your part by escalating my concern and query internally. Just as I submitted my written query attached directly to XXXX a week ago. I have to find a new apartment and my credit is XXXX pts lower than it was before I was holding issued the XXXX XXXX credit card. I understand there is nothing more that you can do, and I really do appreciate you for doing what you can. As it was internally escalated, I need to provide justification for my escalating things on my end as you, nor I have received any response regarding this matter. Thank you At approximately XX/XX/XXXX, I received a telephone call from a escalation XXXX who left a message that she wanted to discuss my query. I have returned XXXX 's call at XXXX XXXX the following times, leaving very detailed messages as to my availability to receive calls, or times when I will call her back. I feel as though XXXX has made no attempts to reconcile with the credit reporting agencies a valid reason why my credit score did not need to be reduced by XXXX points due to their malfeasance. XX/XX/XXXX at XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX, XXXX XX/XX/XXXX at XXXX, XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX Thank you | ||||||
| 01/26/2023 | Yes |
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| On XX/XX/XXXX, my husband wrote, signed, and endorsed a check to move {$7000.00} from our shared Chase checking account to his XXXX XXXX XXXX XXXX IRA account. The check was mailed out on XX/XX/XXXX in an envelope along with a XXXXXXXX XXXX XXXX XXXX, which included the relevant check number, amount, and date. The checks memo was explicitly written as IRA [ ACCOUNT NUMBER ] and was signed and endorsed on the back by him. On XX/XX/XXXX we received an envelope from the Postmaster of XXXX, XXXX XXXX, containing the opened envelope, which no longer contained the check, along with a notice that we, may have been the victim of mail theft or identity theft. We went to our local Chase Branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ) and were told that that on XX/XX/XXXX, the check had been deposited into a XXXX XXXXXXXX XXXX account. The text Pay to the order of : XXXX XXXX had been written in someone elses handwriting underneath my husbands signature in the endorsement section of the check. We picked up a Declaration of Unauthorized Endorsement or Altered Item form from the branch. On the same day, we also reported the mail theft to the XXXX XXXX Police Department ( XXXX XXXX, Badge # XXXX ; Case Number XXXX ). We also called XXXX XXXX XXXXXXXX and were told to file our issue with Chase, who would then contact XXXX XXXX XXXX when necessary. On XX/XX/XXXX we called the XXXX XXXX XXXX XXXX at XXXX to file a claim ( Claim Number : XXXX ). On this day we also submitted our completed Declaration of Unauthorized Endorsement or Altered Item at our local Chase branch. On XX/XX/XXXX I received a letter from Chase requesting additional information to complete their research. We faxed all relevant documents to them. The next day, I called to confirm that they had received the faxed documents. On XX/XX/XXXX I called Chase and were informed that on XX/XX/XXXX, they had sent our claims information to XXXX XXXX XXXXXXXX to request a reimbursement, with a response expected in 60 days. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX and was told that processing the claim ( XXXX ) would be finished in another 60 days. On XX/XX/XXXX I called Chase and was told to expect a response from XXXX XXXX XXXX in an additional 30 days. On XX/XX/XXXX, I called XXXX XXXX XXXX and was told that the case should be resolved by XX/XX/XXXX, a total of 90 days since they received an inquiry from Chase. On XX/XX/XXXX, I received an email from Chase that XXXX XXXX XXXXXXXX had denied their request to reimburse us. I called Chase, who told us that XXXX XXXX XXXX had denied our claim since the signature in the endorsement section was real. I called XXXX XXXX XXXX ( XXXX ), who asked me to call Chase ( XXXX ) to re-file the claim with XXXX XXXX XXXX as a case of altered check endorsement. After calling Chase, I was told by Chase that they would not refile a claim, as, anyone can modify the endorsement section of a check to include pay to the order of and deposit it into another account if a signature is present. On XX/XX/XXXX, I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) informing me that I need to contact Chase and instruct them to contact XXXX XXXX XXXXXXXX Fraud Department to resolve this complaint. This conflicts with the statement I previously received from Chase on XX/XX/XXXX, which informed me that XXXX XXXX XXXXXXXX had assessed the information provided to them by Chase and elected to not reimburse me for the check. She told me that resolving issues associated with this check is XXXX responsibility, as the check originated from a Chase account. This conflicts with information from Chase, who insist that the bank at which the check was cashed is responsible. She also informed me that XXXX XXXX XXXXXXXX would not be able to investigate the account to which our check was deposited unless a law enforcement agency contacted them regarding this case. She also insisted that she could not understand me and, when I asked to speak with her supervisor, she insisted that they were not available and that regardless of who I spoke with, the answer would be the same. I informed her that I would file another complaint regarding our unresolved check issue with the CFPB. XXXX XXXX XXXXXXXX official response to the CFPB complaint was : At XXXX XXXX XXXXXXXX, keeping information secure and confidential is one of our most important responsibilities. Please understand that our privacy policy does not allow us to disclose any details about accounts at XXXX XXXX XXXX that you do not own. Our records do not reflect that you are an authorized signer on the XXXX XXXX XXXXXXXX account referenced in your inquiry. As such, we are unable to release any account information to you. We must suggest that you work with your financial institution directly to settle this matter. We regret the circumstances that led to your inquiry. Rest assured that we will fully cooperate with any law enforcement agency if we are contacted about a fraud investigation. This response is not satisfactory, as my previous complaints proposed fair resolution did not include release of XXXX XXXX XXXXXXXX account information to me. Additionally, the response does not address how an inability to release private account information to me, personally, prevents a reimbursement of money fraudulently deposited via a clearly altered check. Money from my Chase account was deposited/cashed into this XXXX XXXX XXXXXXXX account with disregard for the checks signature, listed payee, and memo, which explicitly noted the intended account as being an IRA along with the XXXX account number, but I fail to see how reimbursement would compromise that accounts privacy. Again, this conclusions insistence that I work with my financial institution directly also conflicts with the statement I previously received from Chase on XX/XX/XXXX, which informed me that XXXX XXXX XXXX had already received and assessed the information provided to them by Chase and elected to not reimburse me for the check I called Chase ( XXXX ) on the same day, talked to XXXX, and was told that the responsibility for the checks fraudulent deposit rests with XXXX XXXX XXXX, which deposited/cashed the altered check without sufficiently assessing its validity. XXXX instructed me to file another CFPB complaint regarding this incident with Chase listed as the relevant institution so that they could reopen the case on their end. | ||||||
| 11/08/2022 | Yes |
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| XX/XX/2022 - I was introduced to Home Lending Advisor XXXX XXXX and she already was asking for financial documents XX/XX/2022 - I got the first pre approval which was for the wrong amount ( incorrect List Price and Loan Amount. XX/XX/2022 - I submitted proof of the the Cashiers check for the first half of my 20 % down payment XX/XX/2022 - XXXX XXXX needed more pay stubs and bank statements XX/XX/2022 - XXXX XXXX begins texting me through XXXX informally about my loan process. Shed mention certain things via text but will not reiterate in writing via email. XX/XX/2022 - XXXX XXXX advised that she received the purchase contract from my Closing attorney. She also needed more pay stubs and my XXXX XXXX XXXXXXXX XX/XX/2022 - Via text, XXXX XXXX advises me that I qualified for the Chase {$5000.00} Lender Credit. ( $ XXXX towards my closing costs ). I confirmed that this was indeed a gift and not a loan that Id have to pay back. XX/XX/2022 - Via text, to my detriment, I begin to bring attention to the incorrect numbers I am see in the estimates. XXXX XXXX advises that the numbers are fine and that she got them from the contract. I let it go instead of pushing for a re-review. XXXX - I received an email from XXXX XXXX stating : Your mortgage application documents are ready/ SIGNATURE PACKAGE You need to provide a credit or debit card for the {$500.00} upfront good faith fee ( youll receive a credit of {$500.00} in the closing cost when you are going to close ) We can use your ATM debit card that we have in the system if you are agree. No where in the email did it state this fee was non refundable I have not received a refund, after it was Chase that backed out of the deal. XX/XX/2022 - Via text, XXXX XXXX follows up about the {$500.00} " Good Faith Credit '' that I was supposed to have returned to me at closing and asks for my credit card information through text as well as over the phone. XX/XX/2022 - Via text, XXXX XXXX says that the loan is going to Underwriting for review so I can get my Approval letter. As early as XX/XX/XXXX we were speaking about approval letters with no mention of selling my loan or Tri-Party Agreements. XX/XX/2022 - Via text, XXXX XXXX asks if Id like to lock in a 5.99 % interest rate. It gets locked in. XX/XX/2022 - XXXX XXXX introduces me to Client Care Specialist XXXX XXXX. XX/XX/2022 - The loan is still reflecting the incorrect numbers at this point XX/XX/2022 - I stopped holding my tongue and I emailed XXXX XXXX and XXXX XXXX that numbers are wrong. ( Chase Estimate was based off incorrect List Price ) XX/XX/2022 - XXXX XXXX sees the mistake and advises she will correct the numbers. XX/XX/2022 - I received an email from XXXX XXXX stating that I have been CONDITIONALLY APPROVED BY CHASE. XXXX XXXX then asks for more information verifying work history and finances, as well as letting me know that I need to buy insurance. XX/XX/2022 - Via Text, XXXX XXXX finally understands the error in her math and revises the loan estimate. XX/XX/2022 - CHASE provides me my MORTGAGE COMMITMENT LETTER via the Chase Home Portal, dated XX/XX/2022. Please Note : The Commitment Letter only mentions Recognition Agreement and Lock in Agreement At this point, I finally had the letter that I needed in order to submit my Co-op Board Application. XXXX - Via Text, XXXX XXXX says that the loan is APPROVED BY CHASE. At this point, I still have no knowledge of Chase wanting to package an sell my loan to XXXX XXXX or XXXX XXXX XX/XX/2022 - Via Text, XXXX XXXX begins asking me for more assets like a XXXX or another checking account At this point I was confused as both CHASE. XX/XX/2022 - I submitted what was asked of me. Upon review of the revised Loan estimate, I noticed my $ XXXX lender credit was not listed. I inquired about it and was ignored and put through the run around by both XXXX XXXX and XXXX XXXX XX/XX/2022 - CO-OP BOARD APPROVAL IS OBTAINED. At this point I still thought I had the CHASE approval and I now had the Co-op board approval. XX/XX/2022 - I finally purchased my Hazard insurance with XXXX. At this point I am anxious to lock in my closing date. XX/XX/2022 - I submit my Board Approval letter to CHASE and follow up about my Closing date. Still no answer from XXXX XXXX or XXXX XXXX. XX/XX/2022 - Via Text, I follow up with XXXX XXXX about my closing date, she responds saying The project wasnt approved by CHASE XX/XX/2022- I followed up via email as to how I was now not approved by CHASE. XX/XX/2022 - It was not until XX/XX/2022, 2 months into the process, that XXXX XXXX decided to tell me that my Loan was being shipped off to XXXX XXXX as I was ineligible for XXXX XXXX due to the optional termination clause on the lease hold due to a non-monetary default. I was advised I needed a Tri-Party agreement to lock in a closing date. XX/XX/2022 - At this point I contact XXXX XXXX, the listed Manager in XXXX XXXX email signature. Because I was absolutely frustrated with XXXX XXXX. XX/XX/2022 - Both XXXX XXXX and myself tried to convince the Co-op to sign the Tri-Party Agreement. Reps from the coop advised me that the signing of this document in order to get a closing date was never standard practice. The co-op I applied to even had previous loans with CHASE that require no such agreement. XXXX - After a full week of CHASE Reps and Attorneys trying to bully the Co-op into signing the XXXX XXXX, the loan had officially fallen though. XX/XX/2022 - I received a Statement of Credit Denial stating my denial reasons as *Value type place or condition of collateral insufficient or Unacceptable When I tried to get my {$500.00} good faith credit returned, XXXX XXXX finally advised that it was non refundable since a closing did not actually occur in which I would have been refunded. ***Emails between my closing attorney and CHASE attorneys can be provided on request*** At this point I have been forced to goto another lender and with only interest rates above 7 %. My current Rate is 7.375 %, up from the original 5.99 % from CHASE. My closing cost is nearly {$4000.00} more thanks to CHASE backing out and forcing me to get a new lender. I am no longer receiving any type of lender credit, as CHASE 's {$5000.00} lender credit was now off the table. Not only has CHASE refused to return my {$500.00}, but through the use of a Mortgage calculator, I have deduced that over the life of the loan CHASE would have cost me {$35000.00}. | ||||||
| 08/09/2023 | Yes |
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| I am a Marriott XXXX rewards member, so I have a credit card through Chase with them. The credit card is attached to my Marriott online account. When I book a hotel it automatically books on that credit card. I went to a stay at the XXXX XXXX XXXX XXXX XXXX XXXX. The stay was horrifying. There was sour milk poured all along the side of the dresser. There was blood on the sheets. There was hair in the bathtub a used bar soap on the sink. The room smelled like dirty feet in mold. There were white stains on the couch, there were yellow stains all over the curtains in the living room, I am mediately told the front desk and ask them to be moved to a different room. They did not have any other room suitable for us. With me being a gold rewards member, they told me do not worry about it. Theyll make sure when the general manager comes in they will take care of it, and that the charges will be released from my card since they did not have a hotel to accommodate the size I needed, and the one I was in was filthy, they gave me stuff to clean the room since housekeeping was not there and I had nowhere else to go so I chose to stay there since they were going to clear the bill for the problems. When I checked out I was told when the general manager comes in on Monday, itll all be taken care of and removed off my card by the assistant manager there named XXXX, the girl who checked me in was named XXXX and I spoke to the hotel manager on duty for housekeeping she told me the issue with my room is that XXXX checked somebody in previously before me who complained about the room and left, so my room was never cleaned after they put someone else in there and then gave me the room afterwards, so not only was the room dirty. They had a guest in the room previously before me and I had to sleep in the bed, not knowing what the previous guest did in there. I told them when I left, I wanted a full refund they promised me it would be taken care of when the general manager came in I have called broken arrow town place suites every day and Im told the general manager is not responding and not coming in. I then called Marriott XXXX XXXX customer service open the case with them they told me that Manager has 5 days to reply to the open case and the general manager never replied I called marriot customer service back spoke with a manager about the charge they told me they would issue the case to corporate to deal with the hotel and someone will contact me and saw that I have a marriot credit card the manger told me to call the card company and have the charge disputed and if they needed to verify the charge they can call the hotel or them and they will tell them the general manager is not responding and this is not a valid charge however they are not able to remove the charge with out the general manager so I did just that I called my credit card company requested to dispute the XXXX XXXX charge that is not the correct charge that was supposed to be charge to me anyways I was supposed to be charge XXXX XXXX they told me I would be charge nothing due to the invivience so Im confused as to why there is a charge of XXXX and I have tried to dispute this charge and chase credit card dispute team refuses to investigate the issue and go after the merchant because I stayed at the hotel when I have the hotel and marriot corporate and customer service saying this charge need to be disputed and the card company can call them and they will advise them its s invalid charge but chase wont dispute it wont investigated it cause I stayed this and it is my right as a account owner per chase web site that if there is a invalid charge on my card I can call to dispute it and my card company has to investigate it. I have called chase several time no help they just keep saying that its a valid charge I have called the hotel many time and they tell. Me the general manager is not in and they cant do anything with out her and marriot customer service as well has stated she is unresponsive to the ticket they have open through customer service and corporate and all they can do is provide me points but I want my money back as I was promised from the hotel I dont know how they even charged me XXXX we never afteeed on that at all and that not what I was supposed to pay and when I told chase dispute team that I was told well even if you where supposed to pay XXXX it look like they gave you a discount so we cant dispute it and there nothing we can do I said its not a valid charge and if you call them they will tell you that but the credit card company still stands by that the hotel is allowed to charge me anything if I stayed there they dont have to dispute it even though its a invalid charge and not the price I even agree on. Chase dispute team is denying my dispute and allowing there lo not time customer to pay for invalid charges because they dont want to do there job I will never use my credit card through them again after this I have other ones that value you as a customer and will show they appreciate me as a customer but I need this charge for XXXX look into and resolved as Im not sure what the charge is for or anything cause my total for the hotel was XXXX the hotel was in livable and very dirty I was told many time they where very sorry and would not charge me do to the issue but they I was billed XXXX and XXXX is not the correct price for even one night so Im very confused about the price and no one can explain to me I have reach out every way I can with the merchant with no help I have been told by broken arrow town place suites my credit card company should be able to dispute this I also was told by marriot XXXX customer service that they should dispute it and they can reach out to the hotel or them to confirm it not a valid charge just no general manager to remove it but even after I told my credit card company this they denied to help me and I need this removed and looked into please I have been trying to dispute this transaction or get clarification on it but cant get help is any way at all though any once I have reach out to my complaint is officially on chase marriot XXXX credit card company which is JP MORGAN for the credit card department only cause I have a bank account through then and I dont ever have these issue I love chase any issue they fix it but the credit card company SUCKS THERE dispute team is horrible please look into this and help me resolve this issue I | ||||||
| 04/12/2022 | Yes |
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| To Whom It May Concern, I have a Chase Sapphire Reserve Card with JP Morgan Chase Bank. The card offers add-on features including a Trip Cancellation / Interruption Insurance XXXX I have XXXX young children, and both me and my husband have family including the grandparents abroad whom we visit often. For this reason, at the time that I applied for this card the steep annual fee of {$550.00} was justifiable to me considering all the protections that this card promises to provide. Around XXXX XXXX, our travel plans got disrupted due to my family being XXXX to XXXX and XXXX XXXXXXXX XXXX. Our physicians vehemently advised us to XXXX consistent with governmental authorities expectations, which caused our travel plans to get cancelled. Two vendors had strict no-refund policies : our hotel in XXXX, XXXX, and XXXX XXXX for a flight originating from XXXX, XXXX to XXXX, XXXX. Upon reviewing the Guide to Benefits for the card, it became clear to me, a reasonable consumer, that I could submit the necessary documents for an insurance claim ( see Exhibit 1, Guide to Benefits, Pages 40-45 ). Even though we were disappointed that we couldnt take our children to visit their grandparents XXXX XXXX ( something that we had planned for in early XXXX before XXXX ), we were glad that at least we had the travel disruption insurance through the Chase Sapphire Reserve Card and we wouldnt be financially harmed due to matters outside of our control. I filed on XXXX on XX/XX/XXXX ; the claim number is XXXX ( see Exhibit 2 ). The subject of the claim were the following non-refundable travel arrangements : Our hotel reservation in XXXX, XXXX for a total of {$1300.00} A roundtrip flight with XXXX XXXX for me and my husband from XXXX, XXXX to XXXX, XXXX for a total of {$210.00} I gathered the documents, including the no refund policies and filed my claim on XX/XX/XXXX. The page requested a set of documents reflective of the Guide to Benefits list, and I uploaded all the requested items. ( See Exhibit 2 ) After the filing a month passed without any communication, I called a few times but they said due to a high volume of claims, they are slower than usual. But then the following tranches of information requests started to flow my way. XX/XX/XXXX ( See Exhibit 3 ) : Statement that the trip was purchased with the credit card. o I informed them that it was provided as part of the XX/XX/XXXX filing. ( see the Exhibit 2 document list : XXXX and XXXX ) XX/XX/XXXX ( See Exhibit 4 ) : They requested the following : o A copy of your hotel receipts again, already provided as part of the XX/XX/XXXX document upload. ( see the Exhibit 2 document list under XXXXXXXX XXXX XXXX XXXX Your booking is confirmed at XXXX XXXX XXXX XXXX XXXX, but they asked me to email it to them again, and I did. o A brief statement outlining the cardholder 's relationship to the other traveler XXXX XXXX. I informed them that he is my husband. o An email from the hotel and airlines stating you did not received any refunds or credits. I informed them that due to the nonrefundable nature of the disputed items, I received no vouchers or refunds. Also, the Guide to Benefits page 45 states that I should provide any unused vouchers, tickets, or coupons which dont exist in my case. They said : I should prove that they dont exist. I informed them that I can not prove that something doesnt exit. They suggested that they would reach out to the third parties on my behalf and I accepted. Regardless, to help expedite the case and to stop the further accumulation of interest on these purchases, I obtained a copy of my XXXX XXXX XXXX Wallet online with a list of reservations, showing I only had that one booked flight that I couldn't take and a XXXX balance in the Digital Wallet. They said the XXXX XXXX was not enough, and I didnt understand the reason that they provided. I couldnt get a hold of anyone from the hotel. After they said theyd reach out to the vendors, I called them again to check the status of the claim. They said the hotel expense was fine because the hotel refund policy clearly states that the reservation is non-refundable, and they only have to verify the airline. They informed me that they had reached out to the airline on XX/XX/XXXX, and I should allow another month for the airline to respond. On XX/XX/XXXX, 20 days after they said they would contact the airline themselves, I was copied on their email to XXXX XXXX ( See Exhibit 5 ), does this mean the airline was not contacted on XX/XX/XXXX? The airline has not responded to date. I called them again today XX/XX/XXXX, and they informed me that I needed to provide them with a proof for lack of a credit for hotel as well, which contradicts what they said before. They said that they themselves have tried, but have not been able to obtain this information. At this point, I feel helpless and frustrated. Here is a summary of my grievances : Unreasonable time to process this claim : The case has taken over two months and there is no indication that it will be closed any time soon. Poor customer service : I get asked to provide information that I have already provided, and they seem to not do their part timely ( I took them 20 days to contact the vendors on my behalf ) Interest on purchase : I am being charged interest on the total amount of {$1500.00} Deceptiveness : o Marketing : This credit card benefits package is deceptive. The list of required documents to benefit from the insurance feature seems reasonable on the disclosure, but in reality, it is not. o Fulfillment / unavailability of what was promised : Their claims specialist require items above and beyond what is explained in their disclosures the disclosure does not state that I need to provide letters from the vendors for proof that they havent given me a voucher or credit ( see Exhibit 1, Guide to Benefits page 45 ) Lack of Standards : They dont have standards for their expectations regarding the refund/ voucher and I get conflicting information. At first they told me that a voucher proof is not necessary from the hotel, but on the next call they changed their mind. Unfairness : Despite trying, I can not prove that a refund doesnt exist. This request is unfair. I demand for my claim to be expedited and granted, all the interest reversed, and a statement credit or points for all the frustration that Chase Sapphire Reserve e-claims line has put me through. | ||||||
| 04/07/2023 | Yes |
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| Related to my Chase Presidential Plus ( United branded ) credit card : On XX/XX/XXXX, we received Invoice # XXXX from XXXX XXXX ( Invoice attached ) in the amount of {$53000.00}. We were paying with our credit card and had to split the payment in two installments over two days. I called the office of XXXX XXXX and spoke to XXXX, she agreed to split the bill in two, processing half, {$26000.00}, on XX/XX/XXXX, and the other half on XX/XX/XXXX. When I received our credit card statement the end of XX/XX/XXXX ( statement attached ), I saw that only XXXX of the charges was reflected. I called XXXX XXXX office and as I recall, we agreed to give the second charge a little more time to see if it would process. On XX/XX/XXXX, I was contacted by XXXX at XXXX XXXX because the second charge never processed so we agreed to have the second payment rerun assuming there was an error in the original transmission. The rerun {$26000.00} was reflected as of XX/XX/XXXX, on our XX/XX/XXXX credit card statement ( statement attached ). Upon processing of the XX/XX/XXXX charge, the invoice was paid in full. Now a year later, on our XX/XX/XXXX statement ( statement attached ), a charge from XXXX XXXX in the amount of {$26000.00} was listed. XXXX XXXX has stated they have not received credit for this charge. I have attached a letter from XXXX XXXX confirming the payments received and not received ( see attached ). A little more detail : When the charge from XXXX XXXX of {$26000.00} appeared on our XX/XX/XXXX statement we were confused as XXXX XXXX was no longer accepting credit card payments. We called XXXX XXXX, XXXX of XXXX XXXX, to inquire about the charge and he knew nothing about it. In early XXXX of last year, I proceeded to file a dispute with Chase. To file a dispute, you find the transaction in your Account Activity and click the arrow to the right of the transaction to file the dispute. When I did this, it referenced the transaction dated XXXX XXXX and I believe it said to call Chase as it was not eligible for the typical dispute form. Upon seeing the date, I remembered back to XX/XX/XXXX, double checked my records, and realized this was related to the XX/XX/XXXX, charge that we thought did not process. I called Chase and explained the situation I was stonewalled by several representatives, even talking to XXXX supervisors, all of whom said because of the date of the transaction ( Origination date ) it could not be disputed. I dug further and found on Chases website Dispute a Transaction, which said you cant dispute a credit card charge thats still pending, or that has appeared on your statement for longer than 60 days ( document attached ). It seemed to us this transaction was clearly eligible for dispute as we disputed it within a couple of weeks of it appearing on our statement. Chase continues to say they can not get this dispute past Mastercard because of the origination date issue. Attached are three letters from Chase. The first dated XX/XX/XXXX, acknowledging the disputed charge. The second one on XX/XX/XXXX said they needed more documentation. It was after this letter that we reached out to XXXX XXXX to get a letter saying they had not received the funds for this XXXX charge and that the invoice that generated these payments was paid in full in XX/XX/XXXX. I sent all this information from XXXX XXXX to Chase on XX/XX/XXXX, along with my summary ( attached ) of the original transaction that generated this mess. On XX/XX/XXXX, we received Chases third letter saying the dispute was resolved and that they determined the disputed charge was valid. Again, I called Chases dispute office and based on my conversation with the representative, we thought the XX/XX/XXXX letter was generated before a complete review of the documents I sent on XX/XX/XXXX so I should give it a little more time. I never heard another word until we received our XXXX statement on XX/XX/XXXX ( statement attached ), and it showed we were being charged {$440.00} in interest for a past due balance. This morning I called Chase and they said XXXX would not accept the disputed charge because of its origination date, despite the fact we did not know about it for over a year. I asked to whom I could speak with at Mastercard and was told they do not talk to customers. In summary, Chase has billed {$26000.00} three times to our account for XXXX XXXX. XXXX XXXX says they have only received two payments of {$26000.00} from our credit card account. We only owed two payments and XXXX XXXX has been paid in full. Either Chase owes us {$26000.00} plus all interest they have charged, or they need to prove that XXXX XXXX got the money from this third charge, and we can collect from XXXX XXXX. I have called Chase at least six times on this matter and have easily spent XXXX hours researching, calling, and documenting this matter. XXXX XXXX was never contacted by Chase or Mastercard. I noticed my credit score has dropped from Excellent to Good which I am sure relates to this matter and the fact we have been carrying the high balance on our credit card for several months. On XX/XX/XXXX, after over five months of trying to get Chase/Mastercard to recognize and correct an error they made, I received a credit for the erroneous charge to my credit card along with the accrued interest on the " unpaid '' balance. As a result of this error made by XXXX XXXX XXXX spent a minimum of XXXX hours speaking to Chase representatives XXXX gathering and submitting documents supporting the reason for reversing the erroneous charge, hiring and meeting with an attorney, and calling XXXX at XXXX extension # XXXX ( none of my, or my attorneys multiple phone calls, were ever returned by XXXX! ). The way this issue has been handled by Chase is beyond frustrating. Because I could not get Chase to take action to correct their error after three months of phone calls and correspondence, I had to hire an attorney. My attorneys letter did seem to get the attention of the Executive Office, and while the communication since the Executive Office received the letter has been abysmal, the issue was finally recognized and corrected. I have incurred legal fees in the amount of {$970.00} to get this matter resolved, and expect Chase to reimburse me for these fees. On XX/XX/XXXX XXXX finally called me! He said Chase would not be reimbursing me for the legal fees nor would they send a letter to the credit bureaus. | ||||||
| 04/13/2021 | Yes |
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| Hi, I am writing to notify of Unfair and Deceptive business practices by JP Morgan Chase. JP Morgan Chase reported to credit bureau having made no diligent efforts to notify me of late payments. Basic outline is below : XX/XX/XXXX - My loan for a purchase of secondary home was sold from Leader Bank to JP Morgan Chase. On XX/XX/XXXX I went to Chase website to set up account and automatic payments ( like I do for all recurring debt ). I made an attempt to set up automatic payment twice. To my knowledge all was set. XX/XX/XXXX - While pursuing an investment a lender pulled my credit to verify qualification for loan. Upon credit review I was told I did not qualify due to poor credit. The loan originator informed me there was a past due mortgage from JP Morgan Chase or 3 months. XX/XX/XXXX - Upon finding out this issue I immediately called JP Morgan Chase to pursue clarification of the issue. I was told that my automatic payment was denied due to an incorrect routing number from XXXX XXXX. I do not have a XXXX XXXX account, nor would I have any way of knowing a XXXX routing number. I use same information for all auto payments since I was XXXX years old XXXX now XXXX ). XX/XX/XXXX - I made immediate payment of debt owed + late penalty. The above are specific dates I have for begining of process. There have been so many calls and attempts at resolution since that I do not have specific record without combing my call records. Below is outline of what followed in my attempts to resolve : -I asked for an explanation of why I was never notified of my auto payment being denied. -While on these early stage ( and multiple ) phone calls JP Morgan Chase phone systems were down. I was disconnected multiple times and could not understand what was being said to me over the phone. This was incredibly frustrating given magnitude of issue. -I spoke with a " manager '' named XXXX XXXX She told me I entered wrong routing number. I asked why was I not notified. I did not receive an answer until 1-2 days later. -Wendy informed me per records I attempted set up twice ( I believe once online and once over phone late XXXX XXXX. -Wendy then told me a notice was sent in the mail on XX/XX/XXXX. As one may recall, this was the week of the presidential election where vasts amount of mail were lost due to USPS logistical issues. -Wendy also informed me that I would have only received a telephone call to notify me of late payments from a computer automated system ... which on my phone shows up as SPAM RISK and also leaving no message. -Wendy confirmed on recorded line she would not answer such calls either. With no success of resolution through XXXX, I pursued higher level assistance. I was put in contact with the " Executive Office '', and two woman named XXXX and XXXX : XXXX informed me of the same information previously given that account was set up multiple times in XXXX, but it was denied and a general notice was sent in mail followed by SPAM RISK phone calls. -I made every effort to show in good faith that I was by no means avoiding payment of the loan, to the contrary I ACTIVELY tried to establish payment. And, upon finding out payment was late the first call I made was to Chase to pay all outstanding debt + an incurred penalty. -Cheri told me there was nothing she could do and she was LEGALLY bound to report late payments to credit bureaus. -My understanding is credit reporting is discretionary based on company policy, not legal grounds. -I was then contacted by XXXX XXXX XXXXUpon review of my Mortgage Note it clearly states that any NOTICE must be sent by Chase Bank via First Class Mail, not standard mail. XXXX verified the notice was in fact sent by standard mail not First Class. XXXXBecause Chase Bank did not follow protocol of Note, they breached the contract and thereby have no grounds to report me for late payments. -It is my firm belief if the Notice of Automatic Payment Denial was sent per contract guidelines of First Class Mail it would not have been lost by USPS and I would have received and taken immediate and appropriate action, as I did on XX/XX/XXXX. -Natasha also confirmed the phone calls to " notify me '' were made by computer automated system that showed up as SPAM RISK ( she blamed it on my phone service carrier/apple iphone ). She also verified they left no messages. With such little assistance, I reached out to the CEO of JP Morgan Chase, XXXX XXXX. He has not replied to my inquiries or offered any assistance. Through the process of trying to resolve this issue I feel as though JP Morgan Chase treated me unfairly and acted in a very deceptive manner. Their deception led to late payment penalties which they financially benefited from. In addition, the opportunity cost of me missing out on an investment opportunity has cost me well over {$100000.00} in my estimate. After working my adult life as a self-employed professional and never missing a payment for any of the 5 properties I own, I was able to build a credit score of over XXXX. Since JP Morgan unfairly reported me to credit bureau I now have a credit score of XXXX. This has eliminated all possibility of me securing a personal loan to purchase investment XXXX my livelihood ). I am not supporting a family with a toddler and newborn at home, an there is nothing I can proactively do to better position us for the future all because of deceptive practice by JP Morgan Chase. In the interim since this began, I spoke with a credit assistance professional. He completely agreed to my position and that JP Morgan did not make any diligent efforts to notify me. In conclusion : Sending a letter during presidential election week with USPS on headline news for continued issues ( i.e. mail in ballot overloading system, potential bankruptcy ; etc ), and secondary to that only contacting me via computer automated system ( SPAM RISK ) with no messages left ... was by no means fair business practice. The punishment of my credit being destroyed does not fit the crime. I have also sought out legal representation and am working to create a suit that will also pursue damages for opportunity lost due to actions of JP Morgan Chase. This is only a road I truly want to go down if JP Morgan Chase continues to not do what is fair and notify credit bureaus that late payment was due to lack of diligence on their part and breach of the Note agreement ( First Class Mail ). | ||||||
| 01/27/2022 | Yes |
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| I am writing with a complaint against JP Morgan Chase for false and abusive credit reporting, unfair debt collection practices, and violation of privacy. In XXXX, XXXX and due to financial difficulty, I was offered a loan modification for mortgage assistance which was accepted and finalized. Throughout XXXX and XXXX, we had little no issues with our Chase Mortgage.On XX/XX/XXXX, my husband and I declared XXXX XXXX Bankruptcy due to multiple debts, financial difficulty, and medical bills. At that time, our Chase Mortgage was neither late nor in default. Chase Mortgage itself was not included in bankruptcy proceedings as there were no outstanding balances. We required by law to report any mortgages. Due to the lack of default, they were not included. They were neither recorded on bankruptcy matrix nor the bankruptcy discharge. We received a copy of the matrix from the Bankruptcy Court. Upon official Chapter XXXX Bankruptcy Discharge on XX/XX/XXXX, Chase was not included in bankruptcy and isn't even listed on the discharge. Again, our mortgage was neither late nor in default neither at the time of filing nor at the time of discharge.In early XXXX, XXXX, we received a letter for Chase that they were " notified '' of our bankruptcy. They never disclosed how they were notified. Their informant was definitely not the bankruptcy court as they were not included in proceedings. This is an indication of conspiratory activity and a violation of privacy between Chase and another unknown entity. Chase proceeded to transfer/sell our mortgage to XXXX XXXX in XXXX, XXXX. See attached documents. At that time, XXXX XXXX was named the servicer of the loan. Although this was not expressly communicated to myself as a consumer, the title deed is held by XXXX XXXX XXXX XXXX XXXX as per XXXX XXXX recordings. The notification letter named XXXX XXXX XXXX XXXX XXXX as " Creditor '' for the mortgage, but not as title holder of the deed. I did a search to find if one business owned the other which was unfounded. However, I did find on XX/XX/XXXX that XXXXXXXX XXXX isn't registered as a business in Colorado. I further questioned at that time how XXXX XXXX can be servicing my mortgage without being registered as a business in Colorado when my property is located in Colorado. In XXXX, XXXX, upon checking my credit when I was denied a car loan, I found that JP Morgan Chase has listed that our mortgage was " included in or discharged through Chap XXXX, XXXX, or XXXX bankruptcy. '' This is proof of their learning of our bankruptcy through an unknown third party entity. Had they been directly notified by Bankruptcy Court as they would have been if they were actually part of the proceedings, they would have known for sure that it was a Chapter XXXX Bankruptcy and would have reported the same. They have instead listed multiple possibilities of a bankruptcy type. The credit report shows that they stopped reporting in XXXX, XXXX. It also shows that they falsely reported a default on XX/XX/XXXX prior to our filing bankruptcy. There is a possibility that this may have been a Loan Credit Default Swap between Chase Mortgage and XXXXXXXX XXXX. If this is the case, it can be considered an illegal swap as there was no credit default to be swapped. In addition, it is a suspicious fact that XXXXXXXX XXXX does not report to the credit agencies as Chase Mortgage reports false credit information. There are no laws requiring XXXX XXXX to report. However, this activity appears to be conspiratory which a sheer violation of my civil rights. I did contact Chase via my online portal account. There was no investigation, but rather an advisement that no information is available online and inviting me to file a written complaint.These actions are violations of the Fair Credit Reporting Act under Section 623 Responsibilities of furnishers of information to consumer reporting agencies ( 15 USC Subsection 1681s-2 ) which states under ( a ) ( 1 ) ( A ), " Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Under ( a ) ( 1 ) ( D ), there is further definition of the term " reasonable cause to believe that the information is inaccurate '' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. '' Under Section 623 ( a ) ( 2 ) Duty to correct and update information, JP Morgan Chase failed to correct the information, but rather updated with further false information. In addition, they added negative information related to the loan modification which had nothing to do with the bankruptcy. This is misleading. Under Section 623 ( a ) ( 7 ) ( A ) ( i ) Negative Information, the statute states, " In general, if any financial institution that extends credit regularly and in the course of business furnishes information to a credit reporting agency described in Section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of furnishing such information, in writing, to the consumer. '' JP Morgan Chase has not contacted me at all to report any of these negative credit reports. This is unfair reporting and willful negligence. There was also a violation of the Fair Debt Collections Practices Act in Section 1692 ( e ) ( 2 ) ( a ) which states, " The false presentation of the character, amount, or legal status of any debt ... '' JP Morgan Chase has committed this false presentation with their false claim of our mortgage being included in and discharged in bankruptcy when they weren't even part of bankruptcy proceedings. This is false presentation of both the character and legal status of the mortgage. They failed to include in the credit reporting that the mortgage was transferred and sold to XXXX XXXX in XXXX, XXXX. This is also a violation of my privacy under False Light. There is a violation of privacy under false light when the publicized information is misleading or somehow distorts the truth. The false light must be highly offensive to the average person and be published with knowledge of or in reckless regard of whether the information was false or would place the person in false light. | ||||||
| 12/07/2021 | Yes |
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| On XX/XX/XXXX there were three unauthorized ACH debit transactions on my Chase savings account, initiated by three different XXXX XXXX XXXX XXXX for the total amount of {$14000.00}. I did not receive any notifications or verification calls from Chase about these transactions, so I reported them only on XX/XX/XXXX, 31 day since the statement for the period from XXXX was issued. Please see the Letter of Update on the Claim from Chase and the copy of the Savings account statement attached. There are 41 business days between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX is a XXXX calendar day since XX/XX/XXXX. The 60 day DDA fraud report requirement is arbitrary in terms of whether the day of the transaction should be included into the calculation, as well as weather the calendar days should be calculated or business. When I discovered the fraud on XX/XX/XXXX, I immediately called Chase at around XXXX in the morning. The Chase representative on the call promised to send the claim paperwork over the mail for me to sign. It was never sent to me. I waited for the paperwork for 4 days and went to the local branch on XX/XX/XXXX where the claim # XXXX form was printed out, filled up by the representative, signed by me and submitted. According to the Chase response to the CFPB complaint # XXXX the claim was denied because the transactions were reported outside of our recovery timeframe, 60 days after your statement was sent to you. As I stated above the fraudulent transactions were reported correctly according to Deposit Account Agreement ( DAA ) and should have been disputed by Chase. In addition, there are no Security alerts available for Debit transactions on Chase Savings accounts, including ACH. The exceptions are ATM transactions, Checks and Wire transfers. Please see the Security Alerts 1-5 documents attached for the full list of alerts. That is why, on XX/XX/XXXX I had no means to find out that the first fraudulent transaction accrued on my savings account, so I could report it to Chase promptly and at least stop the subsequent fraudulent transactions. There was no way for me to know that the money was stolen from my savings account until the next time I accessed my account. Since XXXX, when I opened that savings account, for 18 years I had a routine of accessing it ether twice or once a month. First, to transfer the money from the Chase direct deposit checking account to savings account. Second, to transfer a few hundred dollars back to the checking account to pay the bills. Since XXXX of XXXX I was accessing it once a month to transfer the money to Chase checking account. In 18 years of my being a Chase customer, this Chase savings account was never used for ACH, Wire transfer or similar type of transactions. No checks were ever issued for it. These three fraudulent transactions for more than 4000 dollars each, made immediately one after another by the three different XXXX XXXX XXXX XXXX located at 3 different addresses were absolutely suspicious. Chase has done nothing to protect my account from these fraudulent transactions. They did not put them on hold, did not verify if they were legitimate, did not call, text or email me to confirm that it was actually I who initiated those transactions. During the first visit to the local branch, in order to prevent further fraudulent transactions, the representative closed my old savings account and opened a new one. Together with the branch representative we activated all necessary security alerts for the new savings account. For the new account the representative did not recommend the daily report for transactions on my savings account because of the pattern of one or two transactions per month for the last 18 years. The daily transaction report option was not available for my old savings account. With all security settings for the new savings account, when Chase credited and later debited my Savings account for {$14000.00} during the claim processing, no notification call, text, email or any kind of alert was sent to notify me about these transactions. Chase must acknowledge that there is a gap in its security system and return my savings permanently. In our phone conversation with XXXX, the Chase executive office specialist responding to the CFPB complaint # XXXX, she acknowledged that ACH transactions from Savings account could not be made as a payment for goods or services. How did they occur than? Does Chase have a procedure to handle suspicious transactions for savings accounts? Is there an algorithm that identifies suspicious transactions? Please provide answers in details. I would like Chase to provide any savings account alert or a combination of them that would allow me to detect a Debit transaction on the savings account other than ATM, Check or Wire transfer, immediately after it was requested or at least completed. Just having the transaction published in my online profile would require me to look at it continuously XXXX in order not to miss the fraudulent transaction. According to Chase reply to the CFPB complaint # XXXX The name on the ACH instructions as well as the name on the original authorization agreement provided by XXXX XXXX all agree with the name of the account holder. Chase uses it as a proof of legitimacy of the transactions. However, the same names might not belong to the same person. I contacted XXXX XXXX and confirmed that, they do not have and never had an account opened for my name, email address or phone number. Please see the attached Message from XXXX XXXX. XXXX XXXX refused to provide any further information as I am not their customer. I do not have and never had any accounts at XXXX XXXX bank. Please see the XXXX XXXX XXXX attached. I opened the case # XXXX with XXXX XXXX police to investigate this theft further. On XX/XX/XXXX Chase Temporarily credited the stolen amount to my Savings account. Feeling that Chase does not guard my money properly I have closed my Chase checking and savings accounts. If this dispute will not get resolved after this complaint, I will start the law suit in Court. In addition to the stolen sum of {$14000.00} I will add the cost of more than XXXX hours that I have spent on the calls and visits to Chase Bank, XXXX XXXX, XXXX XXXX bank, police, FBI, etc as well as the paperwork preparation, reading emails, filing the claims at the rate of {$250.00} per hour. Other costs, including my Attorney fees will be added as well. | ||||||
| 12/28/2020 | Yes |
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| Hello, The below purchase is through Chase Sapphire Reserve credit card. RESOLUTION WITH CHASE : Nothing. They told me they could not help me with this dispute. I've talked to them approx ten times. I am writing to dispute the charge from XXXX XXXX XXXX. XXXX XXXX has violated three Department of Transportation and Federal Trade Commission regulations, which all involve fines if proven guilty. SITUATION : I live in XXXX XXXX and they imposed a new rule on Americans flying into the country starting at midnight on XX/XX/XXXX, which required a 14-day quarantine in a hotel. I have an apartment in HK and was desperate to arrive before midnight. I had purchased a ticket with XXXX XXXX XXXX, but it was delayed by seven hours, thus I would not have arrived in time. 1. XXXX ENGAGED IN DOTAND FTC " UNFAIR AND DECEPTIVE PRACTICES '' : I was standing outside of XXXX, in a bit of a panic, preparing to change my air ticket with XXXX. I dialed what I thought was XXXX XXXX XXXX, but it was actually XXXX XXXX. I asked several times if " they were XXXX ''. I remember thinking that it was odd that XXXX didn't say yes, but I was standing outside XXXX XXXX and it was very noisy. If you listen to the tape, you will hear me asking several times if I was calling XXXX. XXXX XXXX engaged in UNFAIR AND DECEPTIVE PRACTICES, which are outlined below from the US Department of Transportation and Federal Trade Commission : XXXX Unfair and deceptive practices of ticket agents DEFINITION : ( 1 ) A representation, omission, or practice misleads or is likely to mislead the consumer ; ( 2 ) a consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and ( 3 ) the misleading representation, omission, or practice is material. Practices that have been found misleading or deceptive in specific cases include false oral or written representations, misleading price claims. This is in violation of ( a ) Misrepresentations which may induce members of the public to believe that the ticket agent is an air carrier. The word misrepresentation used in this list includes any statement or representation made in advertising or made orally to members of the public which is false, fraudulent, deceptive or misleading, or which has the tendency or capacity to deceive or mislead. 2. XXXX VIOLATED THE " FULL FARE ADVERTISING '' RULE ( A ). XXXX states, correctly, that I authorized the price of the ticket. But NOWHERE and at NO TIME, did XXXX ever state to me that their fee was {$3200.00}. I was given the impression that the price of {$6900.00} was the total price of the ticket. You will note from the emailed ticket that was sent to me, nowhere is the price of anything listed. It is a requirement of all agents to quote all mandatory taxes and fees. XXXX did not break down any of the charges, a clear violation of the Full Fare Advertising Rule. This is in clear violation of the Department of Transportation " Full Fare Advertising '' rule, ( 49 U.S.C. 41712 ), which requires airlines to quote all mandatory taxes and fees. The Department of Transportation regulation is as follows : " If a vendor chooses to make available information regarding the amount of taxes and/or fees that are included in the full fare, the disclosure must accurately distinguish between taxes and government fees on the one hand and carrier-imposed fees on the other. In addition, with respect to information about carrier-imposed fees included in the full fare, such disclosure must accurately represent the actual cost of the item for which the charge is assessed and must not otherwise be deceptive. '' Had they said, we are charging you {$3200.00} just for booking you a ticket, I would have immediately ended the call and not used their service. As you can imagine, {$3200.00} for two hours of work is a grossly overpriced and manipulative practice. ( B ). If you look at the email that was sent confirming my air ticket, you will note that no price is listed, which is NOT normal practice with any purchase. I remember thinking that this was strange so I called XXXX that evening and the morning of the flight, but no one answered, thus I had no clue that I was paying {$3200.00} as an actual fee. ( C ). Please find an example of a price breakdown that I received from a flight taken with XXXX ( see other attachment ). This is the legal and appropriate manner in which an agent should itemize a ticket : XXXX. XXXX ENGAGED IN " PRICE GOUGING '', ACCORDING TO THE STATE OF CALIFORNIA DUE TO COVID STATE OF EMERGENCY The California Attorney General issued a price gouging alert on XX/XX/2020, following Governor XXXX XXXX 's emergency declaration in response to cases of coronavirus ( COVID-19 ) in California. The law applies to transportation. It states : " Price gouging refers to sellers trying to take unfair advantage of consumers during an emergency or disaster by greatly increasing prices for essential consumer goods and services. '' I specifically told XXXX that I was desperate to arrive into XXXX XXXX by a certain date and time due to restrictions placed on Americans due to Covid. Due to XXXX being licensed or located in California, they must abide by the Price Gouging Alert. 4. OTHER FACTS : A. XXXX states that they purchased for me the " last ticket '', which is blatantly false. Due to the Covid Virus and restricted travel, the plane was maybe at 40 % capacity. XXXX stated in an email " It was Issued manually by the Ticketing agent, as this was the Last seat Available. '' B. XXXX states they helped get my refund from my cancelled ticket from XXXX. I called XXXX that evening and cancelled it myself. I received no help and did not need help cancelling a ticket. C. XXXX states they helped me check into my flight. How would they have done that? I was there and in no need of help. One merely shows up and checks in with the agent. Again, another justification for their deceptive fee. D. I found that the XXXX flight I was on, and others around that date, were being sold for approx. {$2500.00} from the airline. I paid {$4400.00} extra by accidently using XXXX. I never begrudge someone making a living, but this is outrageous. XXXX and XXXX did an excellent job of getting me a flight on short notice. And I'm more than happy to pay them a fee, yet {$3200.00} is unethical, was never stated in a clear fashion, and illegal. | ||||||
| 06/16/2018 | Yes |
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| I believe I am a victim of a credit discrimination by Chase bank. The Equal Credit Opportunity Act ( The ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ), which implements the ECOA, makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics or impose different terms or conditions. Creditors should make decisions based on your credit history, debt levels and income. In my case ( Fico score XXXX ) is exceptional and I have high employment income ( {$270.00} with no debt ) but even with this perfect numbers Chase rejected my application because " there is not enough debt to income ratio '' this is a ridiculous reason since Fico score factor that aspect in the score calculation and I have over 30 years of history showing at least 4 mortgages and 2 home equity loans paid. Chase ignored the facts and in order to justify the rejection invented a fake reason. The real hidden reason is known as Chase 5/24 secret and undisclosed/unpublished rule. ( see below explanation ). As long there is no federal or state law that limit the number of credit cards a person can have Chase bank can not impose artificial rules. On XX/XX/XXXX Chase send me, on my name, at my home address a personal invitation and also send me by email a link to apply for a new Freedom Visa signature credit card .I was personally selected and invited and encouraged to apply for this chase credit card but when they realized my exceptional Fico score and income showing responsible financial pattern, they decided to deny my application based on their 5/24 secret rule, but I was not given a reason why or told how to find out why. Since Chase can not reject my application without a credible reason they used a " wear down " strategy by asking me to send redundant unnecessary personal info by fax only ( no email accepted ) .I went to the local branch and submitted the requested doc. only to be rejected a week later. I spoke with my Chase advisor who submitted the fax and he was also puzzled why I was asked for this redundant documentation. It was offending for me to be personally invited to apply then asked redundant documents and at the end reject them for no legal reason. Why Chase select customers to apply for a credit card then play games with documents they already have, only to reject applications if they don't meet their " profit milking '' criteria or secret 5/24 discriminatory rules? On XX/XX/XXXX I called indicated number ( XXXX ) from the rejection letter and spoke with the manager that assured me if I apply again I will be approved. I did applied again but I was rejected again for no reason. I was asked to provide proof date of birth, proof of current address ( utility bills ) Driving license and SS card, even I was already a current Chase bank customer when I applied for a new credit card with saving/checking bank account and 3 different Chase credit cards and they already have all this personal info on file from my recent opening of a Chase bank account. I even paid $ 10-15 for each credit report agency to temporary unfreeze my credit reports but Chase did not even bother to ask for any credit reports ( as I can see from my online statements for XXXX/XXXX ) and In my case Credit discrimination is hidden, ( 5/24 secret rule ) but intentionally programmed in the automatic Chase credit card approval system that is set to reject customers with very high Fico score, since they are very responsible financial and more likely to regularly pay all balance in full and less likely to make late payments and generate any fee or interest for the bank. This is called disparate treatment the law prohibits disparate impact. Thats when protected groups get a worse deal than others as a result of company policies that are not discriminatory on their surface. Chase secretly selects and prefer credit card applicants based on likeness to default on their credit card payments and intentionally target /encourage irresponsible financial behavior in order to generate more profits. Also Chase target for credit rejection older consumers that are statistically more responsible and less likely to default than their younger counterparts, therefore less likely to be charged fees. That is age based discrimination. Credit discriminatory practice of Chase bank in my case is not an isolated case of credit discrimination -that is a common practice for Chase bank to use a discriminatory practice in order to boost profits. It is not the first time this type of Chase discriminatory practice was reported -see ( XXXX XXXX XXXX ) in the middle of XX/XX/XXXX, applicants with excellent credit who applied for Chase Ultimate Rewards-earning credit cards suddenly found themselves being declined. The reason for the denials was the applicant opened too many new accounts in the last 24 months.In order to be approved for any Chase card subject to 5/24, you can not have opened five or more personal credit cards across all banks in the last 24 months. This means you actually need to be under 5/24 in order to be approved. The 5/24 rule only applies to getting approved for cards issued by Chase, but your 5/24 count includes your cards from all banks. That is an arbitrary discriminatory rule. Chase has a long public history of consumer discrimination -see lawsuit against J.P. Morgan Chase by attorney for the XXXX District of XXXX XXXX , XXXX XXXX alleging that the bank had engaged in discriminatory mortgage practices from XXXX through XXXX.The bank had agreed to pay {$55.00} million to settle the claim just hours after the lawsuit was filed. The Center for Investigative Reportings Reveal found also that in XXXX and XXXX, the bank denied conventional home loans to XXXX and XXXX in the D.C. region more often than to XXXX with similar incomes. The CFPB, working with the OCC, ordered JPMorgan Chase and Chase Bank to refund an estimated {$300.00} million to approximately 2.1 million consumers and pay a {$20.00} million civil penalty. The CFPB found the Chase banks engaged in unfair billing practices for certain credit card add-on products by charging consumers for credit monitoring services that they did not receive. I am hopping my complains with Consumer Financial Protection Bureau and The Federal Trade Commission, XXXX Attorney Generals office will help stop Chase bank from this illegal practice. | ||||||
| 05/27/2020 | Yes |
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| This is a continued " Phantom Debt '' to which is aided by heavy handed law firms aiding and abetting in stealing real property disguised as a " debt '' owed. The Debt was with an entirely different lender named in the contract and under Contract law of California CCP 337 had expired many years ago. Despite the facts, the Attorney 's are forcing and aiding in theft by impersonating a " Fictiticious Debt '' owed to " Some entity '' that is not logically possible. After having clearly been time barred under all applicable laws. The " Note '' was said to be revived and having contrary claims made, that again are impossible. Despite the facts of a very old debt of which last payment was XXXX. A series of unlawful criminal felony acts were aided by shielding the true facts and using California 's non-judicial scope as the backdrop for the perfect crime of XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The players are high level Attorney firms. Most are not even Registered in California. This allows a series of threats to start out the process of which is a continuous aiding and abetting of federal crimes, including bringing Fraud on the Court by inserting made up facts ; fabricated fact patterns to aid inserting unrelated case law to persuade the Courts to have resulted in various parties, ( heavily backed by trillions of dollars ) to aid in the front liners of those parties being forced to enter the Courts. Once enter the Courts, the Aiding and Abetting Attorney 's start the scheme to defraud the Court of Fabricated, and False Debt. This scheme is disgustingly unscrupulous and has caused extreme harm, breaking and entering to cause tremendous terrorizing to me and my family, causing XXXX XXXX XXXX and then continues by the Attorney 's hired by said strong armed parties who persuade the Courts despite the laws are not used to Steal, only a disguised version of fabricated lies to the Courts ; and lies to the Regulatory Agencies to cause massive harm to our entire society. This is revolving around a XXXX XXXX Scheme PLAYERS ARE NOW IN FEDERAL CUSTODY. These persons introduced an agent, XXXX XXXX of XXXX XXXX XXXX XXXX to who set me up and forged my signature on loans and TILA ; and lied about my four properties at the same time in XX/XX/XXXX resulting in refinances of four properties in Southern California. At the same time XXXX admitted these had " No ability to Perform '' and would rewrite the notes. This resulted in four shockingly hidden balances accrued and new agreements in XXXX informed to Not Pay to allow a revision, at same time XXXX was being sued by CA. DOJ. Despite the expected loans to be able to perform. XXXX called Due all loans by acceleration, According to provisions of the Deed of Trust item # XXXX. Then, XXXX stated they were lender taking over. This turned out to be lie. XXXX lied for about 7 years straight, causing extreme harm by the continued lies and extortion to steal more money under false pretenses. Now underlying was a slew of falsities on each of the loan documents, and this has been a nightmare every single day since XXXX. In XXXX XXXX, a Notice of Default was filed no other lenders named, only XXXX. Despite this as a fact. In XXXX XXXX XXXX JPMC took over Washington Mutual ; and XXXX XXXX XXXX as servicer take over for XXXX said that WAMU has now reappeared in XX/XX/XXXX and sold to XXXX XXXX. That each claim on public records is completely non sense. On XXXX XXXX XXXX " All nonperforming Assets '' went into a Chapter XXXX Bankruptcy later resolved as unsecured debt, and discharged. In XXXX JPMC and the FDIC stated my loan was NOT taken over by CHASE period. It was a non performing Asset. Despite WAMU Securities being in Bankruptcy ; XXXX sold the NOTE to XXXX in XXXX and in XXXX. Despite the contract having expired and been time barred under CA. CCP 337 at four years, more than 8 years past and then in XXXX, I filed a Ch. XXXX bankruptcy and then in XXXX - XXXX was in a Chapter XXXX. I held all my rights to four of my properties during the Chapter XXXX. Then in XXXX forced to file a lawsuit after XXXX said they would cause a release of the time barred lien, after I hired an unethical Attorney in XXXX who failed to perform, stole funds from me and aided in this scheme to cause harm and profit from my injuries. This caused me to sue XXXX acting in a role of alleged Servicer FOR A FALSE XXXX XXXX CLAIM to own the Washington Mutual LOAN by which expired all rights to enforce as it was time barred in XXXX at four years, and then at ( 8 ) years discharged debt. Now, here since filing a lawsuit in XXXX to which Attorney 's acting in shameful manners to aid in false law and false facts ; despite the continued harassments of fraud by the attorneys aiding in WHICH IS CLEARLY FELONY ACTS stealing rights to my property by " Fraudulent documents '' recorded when clearly XXXX XXXX WOULD NOT THIS COULD NOT BE TRUE OR POSSIBLE. DESPITE THIS, EACH COMPLAINT FILED is answered with the same lying Attorney firms that are the cause of the crimes being done. XXXX XXXX did not take over Washington Mutual XXXX Non performing loan or that which appeared to have been claimed by XXXX in XX/XX/XXXX. JPMC did not take over this loan that XXXX XXXX claims via Aiding and Abetting Attorneys. Those attorney 's are not following any banking laws ; and are making up false facts and evidence to aid in XXXX XXXX. This is a scheme to Steal not only my property, my equity, but ruined my entire life and business and have continued to ramp up to levels of crimes that need to be brought to justice. Not in the fake false manners by Mr. XXXX XXXX and XXXX XXXX ; XXXX XXXX and XXXX XXXX of XXXX XXXX Nevada and unregistered law firms to aid in Felony Criminal Acts of XXXX XXXX. The loan was XXXX in XXXX ; in XXXX ; it was non performing since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX discharged ; and held all rights in Chapter XXXX during XXXX & XXXX ; by XXXX had fired incompetent attorney 's ( founded by Fed. Court as such ) fired the thief attorney, who is now under suspension with CA. BAR. Entered the Superior Courts and of which where the Real Fraud to XXXX XXXX remains. Attorney 's are aiding in Fraud on the Court. This is a continued pattern to which has been extreme and ruins society and aids in corruption by allowing such continued abuses to which the circle repeats itself here. | ||||||
| 02/14/2022 | Yes |
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Web | Older American |
| I am a customer at Chase Bank, and I am a victim of a XXXX XXXX transfer Fraud, and I was swindled out of {$2000.00}. On XX/XX/2022, I received a phone call from a Chase phone number from someone by the name of XXXX who was apparently posing as a Chase employee, and who'd gained access to my online account by hacking Chase and my phone. He said that he was calling due to some suspicious activity on my chase debit card which someone attempted to make purchases on in XXXX, WI, but they were stopped by Chases pre-fraud department. He told me the places where the alleged fraudster was trying to make purchases, i.e., XXXX XXXX, XXXX, and XXXX. He proceeded to look at my online account, and he was verifying and confirming the transactions he saw were actually mine. As he viewed my account, he pointed out a few of the transactions that had been charged to my account, and asked, Did you make the following transactions that I see on your online account? I verified each transaction as we viewed them together, and I confirmed that I had made the transactions that appeared on my account. After we had gone through the transactions, he then asked had I set up a XXXX profile outside of Chase, and I told him no, I had not set up a profile for XXXX. He went on to say that someone had set up a XXXX profile under the name of XXXX using my account to send money in the amount of {$2000.00} dollars to a XXXX XXXX, and that the transfer would be taking place the next day. Again, I told him that I knew nothing of this transaction. He assured me that this was a suspicious attempt to take money, and to stop it, I would have to reverse it back to my account by adding myself as a recipient. I was sent a code to enter and followed his instructions on how to get the money sent back to myself, but obviously, the money was not going back to my account, but to someone elses. Once the transaction had been completed, the imposter Chase representative hung up the phone. I thought that wed gotten disconnected, and I called the same number he had called me from, a ( Chase Bank ) phone number, and I told the Chase representative that Id just spoken to another representative from Chase informing me that there was some suspicious activity on my account, and I explained to her what the chase representative had instructed me to do to get my money back into my account, but wed gotten disconnected. Immediately, the Chase representative told me that it was a scam, and that Chase would never ask a customer to reverse money back to themselves. At the time, I was not aware of this fact. Had I been, I would have hung up the phone. I had no indication or suspicion that this was not a legitimate person I was speaking to since he had access to my online account. The Chase representative told me I would need to file a claim, but there was not a guarantee that Id recover my money, because Chase does not have recovery rights from XXXX. In which I asserted that this situation was different and that it was a fraud, and it should be an exception because I had no reason to believe that the person I was talking to was not legitimate since he had access to my account, and he'd called me from a Chase phone number. After filing the claim, I never heard back regarding the status of the claim or investigation, and I continued to call with no resolution, but a lot of frustration. I finally talked to a Chase representative who told me to go into the bank and ask a branch manager to re-file the claim as a duplicate, and that might help, and to file a police report. After several attempts to speak with a branch manager, I finally spoke with a Branch Manager, and I explained the situation, and she re-filed the claim and said someone would be contacting me within seven business days. On XX/XX/2022 someone finally called me back, but unfortunately, it was to say that my claim had been closed and that there would be no recovery of my money because they had no recovery rights. Again, I told him that this is a different situation because I did not authorize this payment and that it was a fraud case, and it should be investigated further, but he maintained that there was nothing Chase could do. Chase has not been very cooperative throughout this ordeal. The representatives that I have spoken to have been nonchalant and unconcerned. Ive been told by some of the Chase reps that quote : Thats what they are doing out here now, or they are really clever these days, but that was not what I wanted to hear, and it certainly wasnt reassuring that they value their customers financial security. I also pleaded with Chase to stop the transaction while it was in the pending status, but I was told that they could not do that, and the fraud department was the only one who could do it, and I would have to call them back the next day since the department was already closed. I pleaded with them to stop it now because the next day would be too late because then it would have gone through already. I can't believe that they could not stop the transaction, especially after I told them it was a fraud. I have pleaded with Chase bank to no avail, which leaves me no recourse to recover my money at all, and based on the interactions and attitudes I have encountered, I dont feel confident that they have gone the distance to investigate the fraud that I experienced in order to recover my money. After being turned down by Chase to get my money back, I have done some research on the web, and I found out that this is an ongoing scam across all banks or financial institutions, and other banks have restored customers their money back. According to Regulation E, under the Consumer Financial Protection Board, consumers are protected from unauthorized EFTs ( Electronic Funds Transfers ), and banks are obligated to return victims ' money back to them in cases of fraud such as mine after an investigation and in a certain time frame. It has been a month, and nothing has been done. I honestly don't know what else to do or who else to contact regarding this issue, and I would very much appreciate it if I could get the {$2000.00} returned to me that was taken. As a consumer, I am hopeful that Regulation E will provide protection in this matter. I am praying that perhaps you could give me a suggestion as to what further steps I can take to recover my money back from Chase bank. Thank you | ||||||
| 09/27/2020 | Yes |
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Web | Older American |
| XX/XX/2020 my spouse and I decided to transfer all our savings and checking to JP Morgan Chase Bank. I opened a checking and saving account the same day. XX/XX/2020, at the Chase Branch at XXXX XXXX. and XXXX XXXX in XXXX XXXX, California, only in my name since my spouse was not with me. The banker had my SS XXXX signed up for direct deposit and set my XXXX XXXX XXXX XXXX account as an external account for ease of transfer the rest of my funds. Over the weekend I was able to complete the external account verification process. On Monday XX/XX/XXXX I got an alert from Chase that the 3 transfers I had initiated from XXXX XXXX were cancelled. I went to XXXX XXXX as soon as they opened and withdrew two {$20000.00} cashiers checks and then deposited them to my new accounts at the same Chase Branch since I was motivated by the $ XXXX- {$600.00} offer to open new Chase accounts. The next day I visited the same branch with my spouse to have his name added to the accounts and to open a second checking and savings accounts with only debit card access for use when we travel overseas. We use these to hedge against theft since the thief would only have access to the limited amount of cash we would keep in those accounts ; this also gave a second $ XXXX- {$600.00} qualification offer for opening new accounts. The banker again offered to sign up a direct deposit of my spouses SS income and later that day I signed up my spouses pension to be direct deposit too. I signed up several bills, such as the utility and credit card accounts etc., to be paid from the new Chase checking. XX/XX/XXXX I again attempted to make a deposit, or rather a transfer, of {$25000.00} directly from my XXXX XXXX savings account into the new Chase savings or checking and was surprised it was accepted after a business days hold. During the night of XXXX - XXXX, I received an alert when trying to sign on my accounts that the accounts had been suspended and to call an XXXX number. When finally getting through to alive person and after several transfers, I was told there was a problem with my social security and that my accounts had ALL been cancelled and that I would NEVER be allowed to open an account with JP Morgan Chase, N-E-V-E-R, but also told me she was could not tell me the exact reason why! They continue to allow us to keep our XXXX credit cards with a combined available credit limit of {$100000.00}, we have never missed a payment and usually pay the balances in full ever month. After having deposited over {$100000.00} in our new Chase accounts, our XXXX XXXX accounts were nearly depleted, and my Chase monies were frozen. The telephone agent told me a check would be sent overnight express and I asked her if there were other options to get my money and was told if I brought my social security card to the same branch, at the discretion of the manager, he could authorize the release of the funds after getting approval from the deposit department. Working together we were able to gain access to the accounts and I finally received a cashiers check for the total amount. I hastily re-deposited the check into our XXXX XXXX accounts the same day but of course was told there would be a few business days hold until it could clear. I then contacted Social Security to change the direct deposits of my social security XXXX and my spouses social security income to be direct deposited into our XXXX XXXX checking. The agent at SS, I think his name was XXXX, was very helpful after I explained the issue with Chase Bank. He claimed to be quite shocked by the events as explained and I inquired to see if there indeed was a problem with my social security account especially if someone else was using it or the like. He assured me there was nothing wrong with either of our numbers nor accounts. I also signed into all XXXX credit bureaus to check that my accounts were still frozen, fortunately the were and nothing new was showing and our credit scores were still nearly perfect, well above 825. I was told I needed to talk to the fraud department at Chase and after another 45 minutes hold on the phone, the Chase agent would not discuss the matter and refused to tell me what had happened nor why. She simply said, You should have read your discloser more closely, and proceeded to quote Chase can close your account for any reason at all, and for NO reason at all. And said, Goodbye. I spent over 7 hours total in good faith to open four accounts, wasted 5-6 trips to both banks and they wouldn't give me several minutes to discuss the situation and what I need to do to remedy the problem. I have rarely been so embarrassed in my 6 years. I had a bilateral XXXX XXXX 3.5 years ago and that was easier than opening a Chase Bank account. I thought I was finished going to that Chase branch but no, I again had to go to the branch because my online access to my credit card accounts was still frozen and again had to share my social security card with a banker who again had to call and waited on the phone for quite a bit, I was finally allowed access to my credit card accounts, which by the way have a total of {$64000.00} available credit line approval. I still wasnt done with Chase. The following week our Social Security was deposited into a Chase account, which were suspended and another trip to the bank for both of us holding our social security cards. Trips to the bank put my life at risk each and every time especially during COVID-19 since any type of infection but especially COVID-19 can cause rejection of my new XXXX for which I am daily immunosuppressed with medications. A week or so later I received a phone call from a Chase representative, and she wanted to talk to me about the complaint I made by a survey online about my Chase experience. Basically, all she wanted was to have the opportunity to apologize and she too refused, or rather, claimed to not be able to tell me because she could not find out what had caused such an embarrassing banking episode. She hung up on me after I became bit heated and exasperated and gave me no chance to apologize or ask who could give me a reason for denying an account with JP Morgan Chase Bank. I will be posting this letter on social media, sending a copy to whatever banking governing body that Chase belongs and sending to my congressional representatives and the XXXX Chase CEO/President. | ||||||
| 04/21/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I booked a flight with a combination {$410.00} and XXXX points for my Husband and I through Chase Ultimate Rewards to go on our honeymoon to XXXX XXXX ( pages 1-4 of the attached document ). The original flight was on XXXX from XXXX to XXXX and then XXXX to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received an email from Chase rewards that XXXX XXXX had made a change to the trip, with instructions to call the service desk ( pages 5-6 ). I called and was told the XXXX to XXXX portion of the trip was cancelled. We rebooked this to be XXXX to XXXX and to continue from XXXX to XXXX ( pages 7-11 ). On XX/XX/XXXX, the day after I got married, I logged on to Chase to retrieve my flight numbers. The top of the Chase Travel page for trip said XXXX, which was the final destination, but the XXXX to XXXX flights were not appearing, only XXXX to XXXX. I called the service desk to discover the agent on XX/XX/XXXX removed us from the XXXX to XXXX flight in error. I had not been refunded any money or points for the XXXX to XXXX portion of our trip and I was never notified from Chase that I had been removed. We would not have discovered we did not have the seats on the flight we paid for if I did not call Chase. Chase claimed responsibility and rebooked us on the same flight in economy seats. I asked for business class and was told by the agent those were the only seats available and I would get business or first class. I was also told I would hear from Chase within 24 hours and if I did not to call them. 25 hours later I did not receive any correspondence, so I called and told I was rebooked in economy ( page 12 ). When disputing that I was promised a business class ticket I was told they would have to listen to the tape, which would take 48 hours. The flight left in less than 24 hours and I was told there was nothing they could do. I then asked to be refunded my money and points once they discovered they made this promise to me. On XX/XX/XXXX I received an email from Chase stating they never promised me this, they will not refund me anything for my troubles, and noting they paid {$1200.00} per ticket to rebook us on the flight ( page 13 ). In XX/XX/XXXX I received a XXXX form with {$2400.00} of Other Income ( page 14 ). This amount is the exact amount of the repurchased flights times two, for both my Husband and I. I never received any points OR money back for original flight I purchased. Chase just had to repurchase the flights because we were removed due to their error. The use of travel rewards points does not constitute income to be reported to the IRS. Because I was never refunded any money or rewards points, the flights rebooked by Chase should be viewed as the original flight I spent my own points and money on. This does not constitute Other Income to me because I never received a refund on the original purchase. I would never have received a XXXX if Chase had not removed my husband and I from our flight and had to purchase new tickets. We would have redeemed our rewards points and gone on our flight as normal and never would have received a XXXX. I immediately called the XXXX Department to learn what this was about and the agent could not tell me. He was going through my bank statements claiming that payments to pay off my credit card each bill could be what it is for. I eventually discovered on my own that the amount was the amount of the repurchased tickets. I then submitted a request for this form to be corrected. I was told I would hear from them by mail and/or phone. On XX/XX/XXXX, I had not received any correspondence that Chase promised I would receive by mail and phone. I was forwarded to the FRD department and was told the review marked the form as valid and that I need to fax in all of my support so multiple departments i.e. Chase Ultimate Rewards, Tax Department, etc. can create a new dispute work together to correct this for me. I mailed, faxed, and sent my support via secure message on XX/XX/XXXX. I called and was told it was received on XX/XX/XXXX. I called again and was told it was forwarded to the XXXX Department on XX/XX/XXXX. On XX/XX/XXXX I received an email from Chase Travel stating the XXXX was correct because we were booked in business class seats ( pages 15-16 ). This is incorrect, and I have evidence from both Chase Travel ( page 12 economy seats highlighted ) and XXXX XXXX to prove it. I called immediately and the Chase Travel agent I spoke with agreed with me that I was in economy, not business class, and wasnt sure why I received this email from a Chase Travel Supervisor. I asked for them to notify the XXXX Department of this fact and I was told to instead talk to my tax consultant. I told them I am a CPA and do my own taxes, and that I didnt understand what I was to speak with a consultant on because Chase sent me the XXXX in error and Chase needs to fix it. I was forwarded on to two more supervisors who told me they could do nothing to help me and could not contact anyone outside of their department. On XX/XX/XXXX I called and there was no update. On XX/XX/XXXX I called and was told I had been emailed and the dispute was settled, though I received no correspondence from Chase and have no idea what the resolution is. I was then told by the FRD department that I never should have been speaking with them and I should have filed the dispute with the XXXX department. I told them I did in XX/XX/XXXX and was told I would be notified of their resolution and again never was, so I was sent to the FRD department. I have spent countless hours in XXXX, the day after I got married, to correct this error, as well as now. Each time I was told on numerous occasions would be contacted by Chase when the matter was resolved. Each time I have had to reach back out and re-explain the circumstances, because Chase never contacted me. There has been a complete lack of interdepartmental help throughout this entire process. I would be told countless times there was nothing an agent could do to help me because it was not their department. I was told I couldnt be connected to the department in question. There was no accountability or ownership of this issue by Chase, or any effort to resolve this issue for a loyal customer. To resolve this, I would like the XXXX form to be corrected to have {$0.00} of Other Income and mailed both to me and the IRS. | ||||||
| 08/10/2018 | Yes |
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Web | |
| Hello, I am writing originally to dispute a charge on my Chase Sapphire Reserve card to XXXX totaling XXXX XXXX or {$110.00} charged on XX/XX/XXXX at XXXX XXXX Time. You will find the referenced pictures of receipts and tickets in the attached .pdf For a some background information on the charge, on XX/XX/XXXX, my girlfriend and I were on vacation in XXXX , and purchased two sets of tickets from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). The first set of tickets was purchased for a trip on XX/XX/XXXX, and we specifically selected the departure station XXXX and the final arrival station XXXX. This transaction can be referenced on my credit card statement as XXXX XXXX. Self Serv for {$120.00}. This trip was made up of two legs, first from XXXX ( XXXX XXXX XXXX ) with a transfer at XXXX ( XXXX XXXX ), and then from XXXX to XXXX. These tickets were used successfully and had no issues on board when the conductor checked our tickets for each leg. Attached you will find copies of each ticket for this XXXX to XXXX trip as proof of a validly purchased and completed trip. ( XXXX and XXXX ) On XX/XX/XXXX, we took the trip with the second set of tickets purchased on XX/XX/XXXX, from XXXX to XXXX XXXX with a transfer in XXXX XXXX. This transaction can be referenced as XXXX XXXX. Self Serv for {$45.00}. We again specifically selected our departure station XXXX and our final arrival station XXXX, then requested a XXXX staff to confirm our train times and stations, and he printed our itinerary ; this itinerary printed with our tickets can be seen on XXXX. The XXXX train bound for XXXX XXXX was to leave at XXXX local time and the train from XXXX XXXX to XXXX XXXX was scheduled to leave at XXXX local time. Once we arrived at XXXX station, we asked the staff if anything was needed to verify our trip, they replied no, and said to feel free to board the train. Each step of the way we double-checked with XXXX and station staff, and were told we did not need to perform any further actions to complete our trip. At XXXX, we departed the XXXX station en route to the transfer station XXXX XXXX. At XXXX, we arrived at XXXX XXXX station and transferred without issue onto the train to XXXX XXXX which departed the station at XXXX. We perceived everything to be fine and were about to pull into the arrival station at XXXX and complete our trip. However, we ran into an issue once the train arrived at XXXX around XXXX. On the ticket from XXXX XXXX to XXXX ( XXXX ), there is a statement printed ( XXXX XXXX XXXX XXXX ) which means that the ticket is valid for 90 minutes past validation time attached to our printed itinerary. With a departure at XXXX and arrival at XXXX ( as can be seen on the charge receipt XXXX ), we were well within the allotted 90 minute time period starting from XXXX when the train was supposed to leave. As we were getting off the train with all of our luggage, a staff of XXXX stopped us and asked us for our tickets. After inspecting the tickets, he considered our tickets invalid and would not allow us to leave the station, despite having purchased these tickets from a XXXX kiosk inside the train station. After much debate, he told us that we would not be allowed to leave the platform, and that he could either charge us XXXX XXXX per ticket now to allow us to leave the platform gate, or we would be fined XXXX XXXX per ticket later. Despite still arguing we had valid tickets, he still abided by his charge, and with an added pressure of being late for an airport shuttle, I accepted the XXXX XXXX total charge. I am disputing this charge because I feel that we were unfairly denied a complete service ; we were told we would not be allowed to leave neither the train platform gate nor the train station without increasingly large fees. I had purchased valid tickets. I would equate it to buying airlines tickets directly from an airline, boarding the plane, going through the motions of a layover, and upon arrival at the final destination, the airline claims that your tickets are invalid, and you need to pay a fee to leave the airport. We have supporting evidence that 3 different sets of tickets were authorized and validated without issue. ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, tickets are attached in the PDF. ) Yet the 4th and final set of train tickets were invalid. As stated, we had asked the train attendants in XXXX if anything was needed for the trip and they responded with no. We proceeded to board all trains fine and completed the trips until the very last second when trying to leave the XXXX airport station and were denied exit without paying an unexpected, addendum fee. Additionally, I have reached out to XXXX through multiple methods and have not had any success if hearing back. When contacting the direct US phone line, I was informed that the number is only for online orders, and I was instructed to call their International Number directly for another inquiry. When I called I went straight to voicemail and did not receive a callback. I also tried to submit a complaint form at XXXX XXXX XXXX but get an error whenever I try to submit with a US address. ( See XXXX XXXX XXXX XXXX ) I began the Chargeback with Chase back in late XXXX, and submitted the request of additional information on XX/XX/XXXX. Today on XX/XX/XXXX, I was finally informed that chargeback would be declined due to the completion of the service by XXXX and my acknowledgement of the XXXX XXXX charge. I honestly find this completely ludicrous as I can not even get a hold of the XXXX department for clarification or support. I was also called by a Chase representative and who tried contacting XXXX with both of us on the line which also went to voicemail as well! Also at the time of the charge, we essentially were faced with either paying a expensive surcharge or missing our airport shuttle which could have resulted in critical delay all for PAID tickets! I feel I was mishandled by the XXXX staff to not understand our situation and stick an additional charge on us and have complicated methods of filing a complaint. I am also disappointed by Chase that they could not do anything for a Chase Sapphire Reserve customer in an unjust situation after providing detailed and ample documentation. Thank you for your time and if you need any further additional details or information, please feel free to reach out. | ||||||
| 10/24/2022 | Yes |
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Web | |
| XX/XX/2022 To whom it may concern, My name Is XXXX XXXX, I am writing this letter to file an official complaint about my recent experience with Chace Bank, a business of JPMorgan Chase & Co . I am a Belarussian citizen, currently legally residing and working in the U.S. with XXXX visa approved, I have XXXX number, I am officially employed with XXXX XXXX XXXX as XXXX XXXX and XXXX XXXX XXXX. On XX/XX/2022, I went into the Chase Bank branch, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was being helped by XXXX, who was very polite and qualified. I opened an account with your bank, applied and got approved for the Sapphire Reserve credit card, and for a checking account with a debit card. When opening an account, I have clearly stated that the only condition under which it makes sense for me to get a Credit Card with a high annual service fee is if I can hit the bonus points by spending the required amount in the first three months. I have also stated that my work requires international travel, and that I am going away for awhile ( longer than XXXX months ) to the XXXX region to scout hockey players, and that XXXX XXXX wont be working over there because of the Sanctions imposed on the XXXX XXXX XXXX financial systems. I was clear in expressing that I am leaving on the XXXX of XXXX and that I need to receive the card withing next couple of days to be able to spend the required amount of money before I leave for my trip, and to be able to use the Priority access during my long trip to XXXX, and I was assured that it was possible to do, which it should have been. On XX/XX/XXXX I have received my Credit Card by mail, activated it, and started doing online shopping as planned with the goal to execute a previously mentioned plan. I have successfully used my card to pay for XXXX orders, one from the XXXX for approximately XXXX $ and one from the XXXX website for XXXX XXXX After these XXXX purchases my card have stopped working, even though my approved credit line is over XXXX XXXX I could not make any more of my planned purchases, and due to the time limit, after that day I already wouldnt be able to receive orders on time. So, I called the support number, spoke to a person who told me that the department that can resolve my issue is closed for the day already. Next morning at around XXXX XXXX I made a call to a proper department, I spoke to a very rude employee of Chase bank, who could not verify my account via text message to my XXXX phone number. She promised to give me a call back on that number but never did. So, I called again, I spoke to another employee who proceeded to verify me by asking security questions. I was asked 4 questions, three of which made sense, but the last question was asked based on inaccurate information. I was asked how long do I have credit card with a furniture store located in XXXX, XXXX? I told the employee, that I have never been there and that it is probably an inappropriate question to ask me. Attached you will find a printout of my credit history, where it is visible that I have never had a credit line open in that region. Naturally, I was not able to answer that question, and was informed that my account is closed now! After no clear instructions as to how to unlock my account, I took time off from work, and visited two Chase branches. To keep this as brief as possible I will not mention names of employees and specific branches. In the first instance I was told that there is no way to verify me ( even though I had 3 forms of photo ID on me, my SSN and the prove of the address. ) I was told that I must email this information in through the branch, and that the process might take a long time. I went to a different branch, trying to explain that my situation requires a timely solution and that I am leaving the country soon, but was told that the only way to verify my account, after I got locked out of it for no evident reason, and after it got closed out for the question that had no connection to me, was to go through the scan process. I agreed and it took about two and a half hours to scan three documents, the employee that worked with me at the XXXX XXXX XXXX XXXX, XXXX, FL XXXX branch this time, was not qualified at all, I was introduced to a different worker there who told me, that they will send my information in, and that I can leave the branch, I continuingly asked to expedite the process, but was told that I can do it tomorrow over the phone, even though tomorrow was going to be Saturday. Then I asked to file an official complaint and to wave a yearly fee for the card use, since I lost the access to my card due to no fault of my own, and that the incompetence of the employees stopped me from spending the required amount of money to get the bonuses that come with the card, and that I will not be able to access priority with the card that I am paying XXXX $ for when I need it. I was told that I could just close the account, but my counter argument is, who is going to give me my credit score points back, I lost XXXX point due to the inquiry and if I close an account and open a new one, I will lose even more. Additionally, I was told by the Chase bank employee that I can leave the branch and that I promise that the complaint will be filed. Next day, I tried calling to expedite the process, but was told that the revision department does not work during the weekends. Given all the information from the above, I would like to request for this complaint to be officially registered with Chase Bank, with JPMorgan Chase & Co., and with Consumer Financial Protection Bureau. I have been, objectively, mistreated by several Chase employees, and their unprofessionalism in combination with the mistake of the verification system, caused me financial loses in money and in credit history. Additionally, I would like to request a resolution of this situation. Please wave the annual fee or reward my account with the bonus that I missed out on through no fault of my own or remove the credit inquiry from my account so I can start a new one without a damage to my credit history. You can contact me at XXXX, through the Chase Banking app, via mail ( XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX ), or by phone XXXX ( XXXX ) XXXX. If this situation is not resolved withing reasonable time, I will be seeking legal resolution. | ||||||
| 02/23/2020 | Yes |
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Web | Older American |
| This is the letter we presented to Chase. XX/XX/XXXX On Thursday, XX/XX/XXXX a text was received from Chase Fraud Services that a transaction in the amount of {$9600.00} was attempted and declined on our credit card ending in XXXX for an XXXX gift card. I called Chase and found out that not one, but three transactions were declined by Chase for XXXX gift cards, the subsequent two attempts were in the amounts of {$8600.00} and {$9100.00}. I confirmed with Chase that those XXXX gift cards were definitely not authorized purchase by either my husband or myself. The account was closed, and new credit cards were issued with a new account number. We received a letter dated XX/XX/XXXX from Chase regarding more information about our fraud claim. The first line of the letter states, Thank you for letting us know about the unauthorized use of your account above. The last line of the letter instructs us to call if there is any additional unauthorized activity. To our knowledge, no further unauthorized purchases were attempted. Yesterday, Wednesday, XX/XX/XXXX a message from Chase regarding this claim. My husband and I went to the XXXX Chase branch and together with XXXX XXXX, a Relationship Banker, we called Chase Fraud department and eventually ended up with XXXX, a member of the Chase Fraud Recovery team, the woman who left me a message regarding our closed account ending in XXXX. She indicated to us that the charges for {$9600.00}, {$8600.00} and {$9100.00} were being reinstated because they received a phone call from my husband on XX/XX/XXXX and email from me, same day authorizing the transactions. We emphatically denied once again that we did not authorize any charges, verbally or in writing. XXXX, Chase Fraud Recovery told us to continue investigating the claim she would need the order number for these transactions. XXXX our Relationship Banker at the local branch, reiterated that wasnt possible since we never initiated the purchase transaction for these XXXX gift cards so we have no paper trail to give any reference numbers to continue the denial of the fraud claim. XXXX also questioned why if we indeed did authorize said purchases on XX/XX/XXXX, we are just now being told the charges are legitimate and therefore being reinstated for payment. XXXX, Chase Fraud Recovery said they would further investigate our claims and yet {$27000.00} was placed on our credit for these fraudulent XXXX purchase. Chase has done nothing to protect our identity and has processed these transactions against our authorization to do so. We asked the Chase Fraud Recovery representative to provide us with the telephone number that the call purported to be from my husband authorizing purchase was made from, she would only say the number was the number on our profile. We asked her for the email address for the email authorization of said purchase and she said she couldnt tell us ; she only could tell us the domain name was XXXX. We asked for the IP address, she couldnt tell us that. My emails from that time period indicate no email correspondence from me to Chase. On Saturday, XX/XX/XXXX, my husband received an email from XXXX indicating a package was scheduled for delivery that day from XXXX. My husband did not place an order with XXXX. He didnt even know who XXXX was. We were expecting company that morning. When they arrived, we went outside to greet them. They had parked in our driveway which is located on XXXX XXXX. A XXXX truck pulled up to the corner of XXXX and XXXX. No one got out of the track and approached our front door, so we thought a delivery was being made elsewhere. XXXX truck drives away and we continue with our guest and then decide to go out to lunch. My husband receives another email from XXXX confirming delivery and stating package was left at the door. This was not true. We were home, we had not left for lunch, when the delivery was supposedly made, and the package left at our front door. We have six security cameras with exterior views of our home and street that are on a continuous loop. My husband reviews the camera and sees at the time of the delivery a man got out of a blue or XXXX XXXX SUV, approached the XXXX truck, walks back to his vehicle with a box in hand and speeds away. He called XXXX and they said the man identified himself as XXXX XXXX. They said their drivers are not supposed to give packages to anyone walking up to their vehicles. A claim was filed. The claim number is XXXX. Per the instructions received from XXXX to XXXX, no signature was required. We have no idea what was in the box from XXXX. We didnt follow up with XXXX because nothing was charged to any of our credit cards or banking accounts. We dont know if these two events are related however, after the phone call with Chase yesterday, we did some research and XXXX sells XXXX gift cards. We this this coincidence is suspicious. And again, if these two incidents are related, Chase approved these transactions after our denials that we authorized these purchases. Chase it seems is doing nothing to protect us from this fraud and is trying to hold us accountable. End of letter Additional details : 1. Chase Fraud Team is claiming that I, XXXX XXXX, gave verbal authorization to approve the 3 financial transactions from our land line on XX/XX/XXXX at XXXX XXXX EST. This is not true. Chase is refusing to allow to me to hear my actual voice recording approving the transactions. 2. After reviewing our telephone record call logs, we made NO outbound calls on XX/XX/XXXX. 3. At XXXX XXXX EST my wife receives text message indicating transaction was declined for {$9600.00} and requesting verification if transaction was actually our transaction. 4..On XX/XX/XXXX XXXX XXXX EST my wife, XXXX XXXX responds to the text message declining purchases. Chase fraud did not say that transactions were given prior approval by me earlier that morning. They continued to proceed with cancellation of credit card and issuance of new cards. 5.On XX/XX/XXXX letter was sent by Chase confirming unauthorized use of our account. 6. On Friday, XX/XX/XXXX we went into our local Chase branch, met with the branch manager, XXXX XXXX and filed and he Executive Complaint on our behalf with Chase. 7. We have files a police report on XX/XX/XXXX, XXXX Sheriff Station, report # XXXX | ||||||
| 12/04/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXX XXXX XXXX XXXX XXXX.. executive office XXXX XXXX.. chase XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank mgr Hello my name is XXXX. I'm writing you in regards to the dilemma I'm going thru with chase bank. I opened an account at Chase Sparks XXXX on or about XX/XX/XXXX. Chase bank in XXXX, NV located in the legends shopping center on XXXX XXXX XXXX XXXX, NV XXXX. I deposited two 3rd party checks from the government that we're in a friend of a friend 's name the first check was an income tax return in the amount of {$7300.00} and the second check was a stimulus check for {$1400.00} for a combined total of $ XXXXThe money was payment for a vehicle I had sold the acquaintance. We both went in the bank together as is that particular Chase branches policy. This was on Saturday XX/XX/XXXX. We showed our id 's to the teller I believe her name was XXXX there was also a young man by the name of XXXX who is also a bank teller who was present at the time of the transaction although I believe he went on a break after answering a question the young lady had asked regarding the transaction and third party procedure. The clerk inspected our credentials and preceeded to log in the deposits and handed me my receipt totalling {$8700.00}. She then to informed me that the funds wouldn't be available for about ten to fourteen days as it was a new account and the amount was a little high. I said I understood and we left. After waiting about a week or so I was asked to visit the branch with two forms of ID ( again ). They ( Chase ) also requested a bill that has my current address as I'm in XXXX with XXXX ID problem is I had recently moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apparently Chase 's fraud department seemed to have an issue with that so I was asked to bring a current utility bill as well as my Identification card ( again ). I brought an XXXX XXXX XXXX bill which was not excepted as well as a recent XXXX statement and neither document seemed to be good enough. ( Although I was told by the branch manager XXXX XXXX XXXX prior to coming in that the documents would be sufficient. ) I also provided Chase with a copy of my rental agreement and a few other items I had to back up the address change. The Mgr made a call to corporate came back and again I was told I needed send them via email. I was also told to send them in the form of a P.D.F. ( which didn't work by the way ) because a jpeg wouldn't work. All of my attempts were being denied. I contaced the issuing bank to see if the issue could be resolved by them I was informed that the checks were deposited on the XXXX and cleared on the XXXX of XX/XX/XXXX and there wasn't anything they could do on their end since unless it was fraud. A few days later I tried at a different location. Chase bank located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. I once again sent them a PDF of a of a bill I had online. I was told by the bank manager ( XXXX XXXX ) that the bank had decided to close my account and I would be receiving a check in the mail for my remaining balance of {$8700.00} minus any fees within ten business days. I waited and waited for months all the while not receiving any type of correspondence from Chase. I contacted Chase corporate office on XX/XX/XXXX and was told that unless the person that the checks were issued to and myself come into the bank together ( again ) and show our iD 's again they would be keeping the money indefinitely. I then filed a complaint with the CFBC case # XXXX - XXXX. I was told that the bank was going to try and resolve the issue and there investigation was concluded. From there I spoke with Chase executives agent named XXXX and was told the same thing about me finding the checks owner and both of us were to come in to a Chase and give two forms of ID for verification. I told her that was impossible because I had no was to find him because it was a business transaction and I had no contact with him at all and he wasn't in the state or this country for all I know. XXXX said unless that happens Chase would keep the money and in a year they would send it to the state of XXXX as unclaimed and I would have to talk to the state. I waited for a year. A year later I contacted the state of XXXX and was informed that the state hadn't received anything from Chase. I contacted Chase and Chase has been giving me the run around ever since. I brought the forms that were requested and did everything on my end I was able to do including looking for the man I sold my car to. I've done alI I could do only to call today to see about my money. Again I was told I needed to find the person I had sold the car to ( A person whom I barley know and have no contact with whatsoever who doesn't even live in the state of XXXX or this country to my knowledge ). To go to a Chase bank at the same time to verify ID. They even asked for proof of address from me. The very thing that got my account closed in the first place. Anything less than that Chase would be keeping my funds indefinitely. I can't believe that I was told to bring in something for address verification for a closed account let alone that Chase would be keeping my money indefinitely. Now here it is nearly three years later and I still haven't received my money. Please help my phone number is ( XXXX ) XXXXmy account number is was XXXX. Any help would be appreciated. Thank you for your time. God bless. The following is a list of dates as well as Chase employees spoken to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXXXXXX XXXX XXXX XXXX ... Chase XXXX XXXX XXXX ( 3 ) XXXX XXXX. Chase XXXX XXXX XXXX XXXXs XXXX nv XXXX XXXX XXXX XXXX XXXXXXXX ( Bank Mgrs ) XXXX XXXX ... XXXX ... XXXX XXXX ( bank tellers ). ( Bank Mgr ) XXXX ... XXXX XXXX XXXX XXXX... XXXX NV XXXX XXXX XXXX ( Bank Mgr ) ... / XXXX ... ( bank mgr ). Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX XXXX | ||||||
| 06/05/2017 | Yes |
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| I was approved for a Chase Sapphire Reserve credit card on XX/XX/XXXX, which I received on XX/XX/XXXX after issues with the delivery of the card to my address. The card has an annual fee of {$450.00} dollars, but also promises up to {$300.00} of automatic reimbursement for travel each year. On XX/XX/XXXX, I spoke to a customer service representative ( I believe to activate the card ), and during that call asked to clarify how this program worked. I was told that any travel-related purchases that I made before XX/XX/XXXX ( the date of my XX/XX/XXXX statement ) would count towards the {$300.00} reimbursement for XX/XX/XXXX, and any purchases made after that point would count against my {$300.00} reimbursement for XX/XX/XXXX ( I have since been told that Chase has changed this policy in recent months, and a year is now defined as 12 months from the opening of the card, rather than by calendar year ). I received {$27.00} of " travel credit '' on my XX/XX/XXXX statement, and an additional {$42.00} on my statement for XX/XX/XXXX, for a total of {$70.00} dollars for the 2016 year. However, I made two purchases of airline tickets on XX/XX/XXXX of {$150.00} and {$140.00}. I chose this date specifically to conform with the information I had been given by the bank ( I am a XX/XX/XXXX, and these purchases were for my flights home for winter break several weeks later, but I made sure to purchase them within the XX/XX/XXXX travel credit cycle ). These purchases did not appear on my XX/XX/XXXX statement, however, and when I noticed this and contacted the bank, the bank informed me that they were credited against my {$300.00} travel credit for XX/XX/XXXX, leaving {$230.00} of my XX/XX/XXXX credit unused, and my entire XX/XX/XXXX credit depleted. After raising this issue with customer service, I received a letter, dated XX/XX/XXXX that explained that " 'Annually ' means the year beginning with your account open date through the first XX/XX/XXXX statement date of that same year, and each 12 billing cycles starting after your XXXX statement date through the following XX/XX/XXXX statement date, '' but that " all applicable Travel Credits on charges that have posted to your account after the statement closing date of XX/XX/XXXX have been added to the ' {$300.00} Travel Credit ' for XX/XX/XXXX '' a contradictory response that seemed to turn on the distinction between the date a purchase was made, and the opaque process by which that purchase is " posted '' to my account. After I finished my finals last month, I contacted the bank to follow up, and explained to them that a customer service representative had informed me that any purchases made before XX/XX/XXXX would count against my travel credit for XX/XX/XXXX, while any purchases made afterwards would count against XX/XX/XXXX. This Saturday ( XX/XX/XXXX ), I was contacted by customer service, who informed me ( in a recorded call ) that they had located the call I described ( which took place on XX/XX/XXXX, as per their records ), and that I was told that any purchases made before XX/XX/XXXX would count towards my XX/XX/XXXXtravel credit, while any purchases made after that date would count towards my XX/XX/XXXX credit. They explained, however, that because the airline ticket purchases had " posted '' after XX/XX/XXXX, and thus did not appear on my XX/XX/XXXX statement, that the bank had determined that those purchases could not be counted towards my XX/XX/XXXX travel credit, despite their having told me different information on a customer service call, and having since told me that if they had told me different information on a customer service call, they would correct their error and apply those charges towards my XX/XX/XXXX travel credit a difference worth {$230.00} to me. I repeatedly asked the representative to whom I was speaking to confirm, with a yes or a no, that the bank 's determination was that I had been told that any purchases made before XX/XX/XXXX would be counted towards my XX/XX/XXXX travel credit, that I made two purchases on XX/XX/XXXX, but that the because those purchases had not " posted '' before XX/XX/XXXX, the bank would instead by applying them to my XX/XX/XXXX travel credit. The representative refused to answer the question, repeatedly responding by reiterating the fact that the charges did not post by XX/XX/XXXX ( without addressing the substance of my question ), or claiming that he could n't hear me clearly. I then asked the question differently, asking the representative to say a simple " no, '' if he was legally able to, if there was anything incorrect about the assertion that the bank had informed me that any purchases made before XX/XX/XXXX would count towards my XX/XX/XXXX travel credit, that I made 2 purchases on XX/XX/XXXX, and that the bank had determined that, because those purchases did not " post '' until after XX/XX/XXXX, the bank was refusing to apply them to my XX/XX/XXXX travel credit. He refused to say " no '' to this assertion, despite being asked multiple times to please do so if he was factually or legally able to. At this point, I asked to be transferred to someone else, and was informed that that was not possible ; I was told instead that the only way to further escalate my complaint was to notify the bank in writing. I again asked the representative to either confirm or dispute my understanding of what he was telling me ; namely, that 1 ) the bank had informed me, in a recorded call, that any purchases made before XX/XX/XXXX would count towards my XX/XX/XXXX travel credit, 2 ) that I had made 2 purchases on XX/XX/XXXX, and 3 ) that the bank had determined that, despite what they had told me, those purchases would be counted toward my XX/XX/XXXXtravel credit, because they did not " post '' by XX/XX/XXXX. He again refused to either confirm that these three facts were correct or to dispute any of them, and instead became irritated, telling me that he was tired of repeating himself, and that he respected my time, but that if I had no further questions he was going to end the call. In closing, I thanked him for confirming ( by repeatedly refusing to substantively dispute ), on a recorded call, that the central facts of the situation supported my contention that these charges were improperly credited toward my XX/XX/XXXX travel credit. | ||||||
| 08/30/2022 | Yes |
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| We recently stayed at XXXX XXXX XXXX XXXX XXXX at first we thought it was a lovely place then we went to the casino XXXX night after being encouraged to go by your staff at one of the restaurants which is very interesting because come to find out the Casino is not affiliated with the hotel, after being advertised on XXXX XXXX Info and multiple signs throughout resort and I cant understand to this day why you would want to subject your guests to what happens over there-we were drugged, we experienced criminal fraud with our credit cards in excess of {$50000.00}, believe we were impersonated on the phone to our credit card companies, they verified charges on the casino phone and we received nothing in return for this no cash, no goods or services and interesting enough the casino comes up on the credit card as a grocery store. We were threatened and had our cards taken out of our possession. The cards were taken from our person, actually demanded with no other option then {$50000.00} plus in cash advances were taken on our credit cards. We were under duress..We are in another country, dont speak the language, surrounded by security with no option to leave. We were under duress! Further note neither XXXX of us have ever used the cash advance option. I have had all of my accounts at Chase for over 20 years and this is not a part of my financial history ever. I beg you to review. The casino staff demanded our credit cards, this is when everything changedwe were surrounded by casino security that was armed and they acted as if we were getting ready to leave and owed millions to them when all we were trying to do was an ATM withdraw, we were scared for our livesafter our cards were taken, there were two XXXX ladies, who spoke no XXXX behind a counter calling and making the charges and they continually tried to charge our cards for various amounts that we were unaware of and definitely not aware that they were cash advances to top it off.. I am now realizing that is why the ATM didnt work when we tried to withdraw $ XXXX {$50000.00}. Conveniently there was one tall bald gentleman that was quite a talker and spoke fluent XXXX. I have called the casino only to be hung up on and told that I needed to visit the casino in person to resolve this. We were also told while staying at the hotel by one of the service staff that the casino is run by criminals and they exploit Americans all the time, perhaps that is why the hotel doesnt let any of the guests know that its not part of hotel and its conveniently located right next to it, passing out {$25.00} wooden chips and {$10.00} paper vouchers to lure you in and drug guests.ever heard of devils breath, it is commonly used in situations like this. We now believe it was on vouchers and wooden chips to alter us without knowing as they were handed to us as we attempted to pass by. See attachment Drugs.com. We ordered XXXX drink in casino, again we thought we were on hotel property, as we never had any intentions of leaving property for safety reasons throughout trip. A service person at hotel confirmed this & made us promise not to tell for the safety of them and their family as well as ourselves.and suggested we report in XXXX. Which is why we did not alert the general manager or the police when we woke up Thursday, XX/XX/2022 and realized we had been assaulted by the casino staff, which at this time we still believed the casino was part of the XXXX XXXX XXXX. We immediately started calling our credit cards and found out charges in various amounts in excess of $ XXXXthis was our last day. That evening prior to our am departure our hotel suite power was on at XXXX and at around XXXX there was none and earlier in the evening we were unable to enter room with keys. While at the airport going thru security my husband and I were very abruptly separatedI was taken out of line with zero knowledge to what was happening. Passengers in line allowed my husband to advance in line..I was taken to another area where I was detained and bags searched. All of this seems extremely coincidental. I have reached out to XXXX complaints with no help and have called and emailed the corporate office. We have reached out to all of our credit cards. I have also made a report with the XXXX XXXX, that was zero help and they recommended we return XXXX XXXX XXXX make a police report, which you have been requesting and we have complied. We have attempted to make a police report to XXXX XXXX Police only to be hung up on. We have reported to our state politicians, FTC and XXXX, and we have reported this to the FBI in XXXX, Illinois, Attorney General and the US Department of Tourism and various victim groups. There discrepancies regarding the details of case. We have been working on this since XX/XX/2022 and every time we call we are told something different, they cant find any info and it seems to be a moving target. We have sent in call logs from XXXX XXXX XXXX FBI Report, XXXX Police Report ( which XXXX indicated on a voicemail that this was needed to assist in the denial reversal ) XXXX XXXX and XXXX Correspondenceeverything you have requested we have complied in a timely manner. We were told that I didnt report to Chase until XX/XX/2022 I have attached XXXX XXXX XXXX XXXX log that shows were I set up original dispute. I was also told it should not of been set-up as a fraud case but as a dispute. We followed the direction of Chase and now are being told it was set up wrong. Furthermore, I was told that my phone confirmed the charge of {$8000.00} when in fact I didnt even have my phone on my person that evening. Then on Friday, XX/XX/2022 I am told by XXXX that it was confirmed by another phone number not related to either mine or my husbands phone numbersexcept it was indicated it was my voice? The discrepancies just keep going. I have also attached phone records that show I didnt confirm any charge the evening of XX/XX/2022. Lastly, the call I received on Friday, XX/XX/2022 from your XXXX that the denied case the XXXX time, who didnt even have the facts correct, who showed no empathy as stated by XXXX..however XXXX feel strongly that it was discrimination. I would appreciate a scheduled call back. We are requesting the charges be completely 100 % reversed including transaction fees, interest and any charges. | ||||||
| 11/16/2018 | Yes |
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| I noticed suspicious activity on my chase credit card on XX/XX/XXXX and immediately called chase customer support to notify fraudulent charges. The call was made within 2 hours of the activity. I noticed email ( s ) that my chase account has been used to purchase XXXX/XXXX XXXX tickets. During my conversation with the customer service representative. I expressed my concern and stated that since these tickets have been purchased a couple of hours ago and I can cancel them myself if they tell me the source they were purchased from ( suspect was XXXX because there is a charge from their website on my credit card ). US law enables customers to cancel flights within 24 hours of booking if the flight is booked 7 days ahead of time. Please see the link. ( XXXX XXXX XXXX ). However, chase customer representative told me that I dont have to worry and chase will take care of that. Since, Chase assured me that they will take care of it, I did not pursue it with the airline to cancel the bookings. In addition, I had very little information about the flights and passengers they were booked for. Over time, I went through several back and forths with chase. Chase was very reluctant to do a proper inquiry into this. They kept putting me on long holds and kicking me from one department to another with no resolution. Their treatment was unfair and they concluded the case against me without asking for further documentation and carrying out a proper investigation. They never shared the reasons why my dispute was being declined. They sent me a letter stating that Your provisional credit has been reversed because you benefitted from the purchase. I never benefited from those fraudulent purchases. After I pursued the case personally, they told me that the case was decided in my favor and I will be getting a credit. However, after some time, they reversed the decision without informing me or asking for further information. When I called I was told that XXXX has suggested to charge me. That made no sense to me because chase offers zero-dollar liability for fraudulent transactions. Due to poor investigation done by chase, I decided to take matters in my own hand and contacted XXXX and XXXX regarding the charges. Since, the charges on my credit card appeared from these two companies. After going a few email exchanges, I was able to get some details on the flights purchased using my credit card. Below are the details of the flight. 1. Flight from XXXX to XXXX on XX/XX/XXXX ( On Chase Sapphire credit card ) 2. Flight from XXXX XXXX to XXXX on XX/XX/XXXX ( On chase sapphire credit card ) 3. Another flight from XXXX to XXXX on XX/XX/XXXX ( On a different credit card ) I have attached the response of XXXX and details of the flight. Please note that this complaint is regarding the first 2 flights purchased on Chases credit card. I live in XXXX and I have never been to XXXX XXXX and I have no reason to book a flight from XXXX XXXX. Clearly, Its impossible to take all these flights on the same date and from different cities. Therefore, I can not benefit from these bookings. Please, also note that the date of birth used for the flight from XXXX XXXX to XXXX flight is not my Date of birth. Which means I can not fly that flight because by federal laws, it must be my actual date of birth to board the plane. I was baffled by this and I was wondering how someone got hold of my information. After thinking about it, I could think of one possibility and thats the use of my work laptop that was stolen from my office. That laptop had all of my personal information. Such as name, date of birth, email, credit cards stored etc. I believe that the laptop might have been used to play a prank and inflict a financial loss to me. I have attached the police report. I have also attached the response from XXXX and details of the flight. At this point, I think I have sufficiently established that i did not book the flights and someone used my information to book the flights. I contacted chase and provided them all of this information. Itineraries, However, they kept deciding against me. When I asked for the reason, they told me XXXX has refused. When I asked for all the documentation that led them to reject my dispute. Chase refused to provide me that. Since, I reported these fraudulent transactions on time when the bookings could have been cancelled and also provided enough evidence that It wasnt me and can not benefit from the flights when they have been booked from two different departing airports taking off at the same time. On top of this also the date of birth used for bookings is not mine. No way, I can benefit from these bookings. Therefore, I would like a full refund from chase. I am attaching the following documents. 1. Bank statement showing the charges. please note that the statement is XX/XX/XXXX but it shows XX/XX/XXXX transactions that were put back on my credit card. a. {$390.00} b. {$410.00} c. {$72.00} 2. Response of XXXX to my inquiry. They have claimed that I got a refund due to duplicate flights. However, I have not received any refund at all. 3. Details of the bookings obtained from XXXX 4. XXXX Advice XXXX has agreed with me that the charges should be removed and I should contact the bank. However, chase is not co-operating with me. 5. Police report showing report of stolen laptop which I strongly believe was used to book these flights. Since, this was a prank/fraud I am not liable to pay something that was booked in my name and I never benefitted from these. 6. Flights were cancelled as well. Another reason why I should be issued a refund. 7. Validity of ticket apparently the ticket is valid until next year. Which means they have another reason to issue me a refund I have shared all these documentations and more with chase. Not only did they fail to provide a resolution but also never provided me the paperwork that led them to conclude why these charges should stay on my statement. I am requesting CFPB to help me get a full refund of {$870.00}. I have already paid this to chase and it has caused me significant XXXX, stress and time spent to resolve this. If possible, they should also compensate me for that. I think i have provided most of the information needed but i can provide more information if requested. Thank you! | ||||||
| 03/14/2022 | Yes |
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| Hello. My name is XXXX XXXX XXXX. I am writing you to explain a few situations that I am going through, currently. Recently, my identity was compromised, and I am going through fraud and fraudulent activities through my financial institution. This letter is written to explain the situations and to seek some help with this case. Recently, I met this man named XXXX XXXX. He is a U.S. Army Soldier who was recently XXXX to XXXX. He took my personal information for what supposed to have been a job offer, but then he used it to compromise my identity. He asked me to help him to take care of his personal finances that he did not do before he was XXXX such as send money to his Nanny ( his children caretaker ), pay some of his bills, etc. He had my bank accounts locked and closed due to his fraudulent checks being deposited into my bank accounts. XXXX XXXX XXXX requested for his accountant to deposit six ( 6 ) fraudulent checks into my bank accounts. These six ( 6 ) fraudulent checks total amount is {$5400.00}. Those checks were deposited into my accounts around XX/XX/2022. XXXX XXXX accountant used an XXXX to deposit those bounced checks into my bank accounts. To my understanding, I am currently going through accountant fraud as well because of what XXXX XXXX and his accountant has done to my bank accounts with XXXX XXXX Bank. I did not know anything about those bounced checks until JPMorgan Chase Bank mailed me a copy of those bounced checks. I confronted XXXX XXXX about those bounced checks after I received a copy of them of Chase Bank, and I told him about how his accountant deposited six ( 6 ) fraudulent checks into my bank accounts. Now, I'm going to fraud because of XXXX XXXX XXXX. JPMorgan Chase bank has locked and deactivated my bank accounts. They are expecting me to pay them - {$190.00} towards the remain overdraft balance within my bank account, but I do not know what was deposited or what transactions was made in them. Chase Bank did not let me access my accounts to see what had happened within them. I contacted Chase Bank several times and visited the Chase Bank in XXXX, Georgia to get more information about what happened, and no one could tell me what happened within my bank accounts. I was only told to keep contacting the Chase Bank Fraud department about my accounts. I have not received a full financial statement for XXXX. So, I do not know what took place within my accounts between the end of XXXX and XXXX of this year. I believe the Internal Revenue Services ( IRS ) might had sent ( deposited ) tax funds into my bank account and JPMorgan Chase Bank rejected and then accepted the tax funds to clear the overdraft fees ( from the fraudulent checks that XXXX XXXX XXXX and his accountant deposited into my bank accounts ). Soon, I hope to hear back from the IRS concerning the Identity Theft report that I filed with them recently. XXXX XXXX XXXX and his accountant deposited those bounced checks into my bank accounts and will be expected to pay for those overdraft accounts with JPMorgan Chase Bank, themselves. XXXX XXXX has been using my personal information to apply for unemployment insurance ( EDD ), credit credits ( XXXX XXXX ), loans ( XXXX XXXX ), etc. I have had to dispute some things from my credit report, recently. Now, my credit report is frozen and locked. I believe that it is XXXX XXXX XXXX who are using my personal information because I was not experiencing any of these fraudulent activities until I met him. These problems started to occur once I met him, and he have access to my personal information. I did not authorize him to apply for anything in my name. I would like to report him and his accountant as scammers to prevent this from happening to someone else, in the future. My bank accounts were locked more than once. The first time Chase Bank unlocked it, I was able to see the following transactions before they locked my bank accounts up again. After these deposits was made, I was unable to access my accounts. I do not know what else happened within my bank accounts. JPMorgan Chase Bank did not want me to know about these transactions or any other transactions that was made within my accounts. If they did, they would have allowed me to review my bank accounts information, instead of locking me out of my accounts and not providing me with requested information about my bank accounts. Returned Checks Dates, Amounts, and Transactions from XXXX XXXX XXXX accountant : 1. Date : XX/XX/2022 a. Deposit Amount : {$1900.00} i. Recipient : XXXX ( email : XXXX ) ii. Sent Amount : {$1900.00} 2. Date : XX/XX/2022 a. Deposit Amount : {$950.00} i. Recipient : XXXX ( email : XXXX ) 1. Sent Amount : {$200.00} ii. Recipient : XXXX XXXX XXXX will give the payment to XXXX XXXX XXXX ) 1. Sent Amount : {$100.00} iii. Recipient : XXXX ( email : XXXX ) 1. Sent Amount : {$650.00} XXXX. Date : XX/XX/2022 a. Deposit Amount : {$1800.00} i. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$1500.00} ii. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$200.00} ( Sent on : XX/XX/2022 ) 4. Date : XX/XX/2022 a. Deposit Amount : {$890.00} i. Recipient : XXXX XXXX ( email : XXXX ) 1. Sent Amount : {$890.00} I would like to receive help with the following questions and concerning. I have tried to request aid with these issues from my financial institution but have had no luck in addressing my needs. I would appreciate it if someone could let me know what I should do next to receive aid concerning these matters. The following are my questions and needed answers : Question & Needed Answers : 1. Can someone tell me what else can I do about these fraudulent activities, and this identify theft situation that I am going through, currently? 2. How can I report XXXX XXXX XXXX as a scammer? 3. Do I need to inform the U.S. embassy of XXXX about this soldier actions? 4. What can I do if my financial institution refuses to provide me with information concerning my deactivated bank accounts? 5. Shouldnt I receive a full final financial statement from my financial institution? 6. When a bank account becomes deactivated, how can I find out what transactions were made? 7. How can I receive a copy of my financial statements, if my financial institution refuses to provide me with them because of deactivated bank accounts? | ||||||
| 11/13/2019 | Yes |
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| XX/XX/2019 This occurrence began at approximately XXXX XXXX E.S.T. ( I was on the call with Chase for 39 minutes. ) I had logged into my Chase Account to review my account and saw a " Flag '' at the top of the page. It was a notification, of a Chase Slate Prequalified Balance Transfer Offer with {$0.00} Fee & 0 % Interest for 15 months, the amount allowed for the balance transfer was {$15000.00}. I entered the Account Number and the {$15000.00} allowed to Transfer. I submitted the Balance Transfer info and received a pop up window that quickly disappeared. I did catch a glimpse of statement " Current available balance of $ 3,000+ ''. I didn't understand what this meant. I tried to find the info for the pop up window again, for a detailed explanation, thinking I had $ 3,000+ more available, in addition to my {$15000.00} balance transfer that I had entered on the application. I could not find the info on the Chase website. There was no additional account to view. I called the customer service number on the back of my Chase Freedom Card hoping to clarify the $ 3,000+ available balance & confirmation of {$15000.00} balance transfer. I reached an agent and did not feel they understood what I was asking. Initially was told no Chase Slate account was found and then later told a Slate account was showing with an available credit of {$3000.00}. I asked about the card balance and was told no balance. I asked what happened to the {$15000.00} Balance transfer entered on the application. The agent told me there was no balance transfer requests on file. I did not feel the agent understood my concern and asked if she was an Offshore agent because of her English usage/accent and she confirmed this. I explained I would call back in the am, during normal business hours, to speak to someone else for help because I completed the {$15000.00} Balance Transfer Offer and did not understand why the account was opened for less than ( expected ) the limit given to me with the Prequalified Balance Transfer offer. The agent offered to transfer me to an Onshore agent. I accepted & spoke to XXXX. I explained, I had been checking my accounts to see what accounts had the higher interest rates so I could prioritize my payoff amounts towards Higher interest rates first when I noticed an offer in my ( Flag ) Inbox for Prequalified Balance Transfer with {$0.00} Fee & 0 % Interest for 15 months. I applied for this and entered the Account Number and the amount I needed for the Balance Transfer. I submitted the Balance Transfer and again explained receiving a pop up box with confusing info and immediately called Chase when I could not find what I was looking for and that I had been told by the previous agent that the available amount was much less than the application approved amount. I explained, if I had known that my request of {$15000.00} was not going to be allowed. I would not have went forward with a partial Balance Transfer. XXXX repeatedly stated I applied for a credit card and they do not have a Balance Transfer Application. I restated the Prequalified Balance Transfer Offer for " 0 '' fees and {$15000.00} was allowed amount. The advertisement was misleading and false. I expected the {$15000.00} to be transferred as entered on the Balance Transfer Application, the terms given in the offer. I did not authorize a partial offer account. I explained : If I went to a bank to request a loan for {$15000.00} and they ran my credit, then told, " I'm sorry we can't give you the {$15000.00} you requested, we can only give you " {$3000.00} ''. I would not have proceeded with the account, I would not have opened an account because it did not meet my need/expectation ( As Advertised ). I explained again, I was not told or informed that my request for {$15000.00} was declined. I was not given the opportunity to decline the account offer, after they ran my credit, and determined I did not qualify for my requested/needed amount. I feel the account was opened erroneously and I requested the account to be voided. I did not authorize the account for less than I requested. XXXX, the agent, repeatedly told me the transaction could not be voided. He said the credit inquiry would appear and stand with the credit bureau and the Opening and closing of the account would also appear on my Credit Report. I again expressed the Preapproved Balance Transfer Offer for {$15000.00} was false advertising and misleading. I attempted to find the offer in My Chase Account but was unable to find anything. I told XXXX the same as I had explained to the previous agent, I would call back in the morning to speak to someone in the office & XXXX said it would not matter, when I I called or who I spoke to, because they are there 24/7 and the entry for a Credit Inquiry, as well as the entries on my Credit report for opening and closing an account would stand. He said they are required by law to inform the Credit Bureau. I asked : ****Why are they not required to inform me, as a consumer, that my request for a specific amount was denied and allow me to make the decision on whether I want to proceed with the service with only part of what I expected. **** I directed him to leave the account alone as I did not want the additional entries on my Credit Report, I will call the Chase office tomorrow, during normal business hours, to speak to someone else and file a complaint. I could've waited to allow today 's account payoffs to post to the Creditors, as well as the Credit Bureau, and come back if I wanted to try again and most likely be approved for the amount I was seeking. 1. This account should not have been opened for less than I expected from Balance Transfer Application. a ) I should have been informed the amount entered was denied and given the opportunity to walk away and not proceed. 2. The account should have been voided when I called in and discovered the Balance Transfer was not approved. 3. My credit report should not be affected by the unauthorized opening of a inadequate account. I understand about Credit Inquiry entries for Credit Bureau. I Do Not Understand or agree with the Chase Slate account being opened without my informed decision and as a result my credit report should not have the additional open/close entries. | ||||||
| 10/08/2020 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, I sent the following Email message shown below to both JPMorgan Chase Bank, N. A. and XXXX XXXX XXXX XXXX XXXX, and since, have followed this Email message request with two identical Email requests. All Email request have included the legal : " TIME IS OF THE ESSENCE '', indicating that an urgent request was needed. Yesterday, XX/XX/XXXX, my wife and I received the attached letter from the US Chapter XX/XX/XXXXBankruptcy Court and it does not list either JPMorgan Chase Bank, N. A. or XXXX XXXX XXXX as the owner of our mortgage loan. We would like the ownership and the amounts listed in this formal Bankruptcy Court Document but can not do so without a formal response to our request for clarification of ownership sent to both JPMorgan Chase Bank, N. A. and XXXX XXXX XXXX , XXXX **************TEXT OF EMAIL MESSAGE XXXX Dear Mr. XXXX XXXX XXXX and Ms. XXXX XXXX and Mr. XXXX XXXX XXXX Chase ; andXX/XX/XXXX Ombudsmans Office , It has now been more than three weeks since we last spoke, and I am still waiting for an Email or mail response from you are Mr. XXXX or Ms. XXXX or the Honorable. XXXX XXXX XXXX. I need an answer to the following question in plain English : WHO IS THE CURRENT OWNER of HOME MORTGAGE NUMBER XXXX! Is it 1. JPMorgan Chase Bank , National Association ( JPMCB ), as shown in the SEC Prospectus for XXXX Trust Certificate : XXXX XXXX XXXX-CH1? 2. XXXX XXXX XXXX XXXX Inc., who initiated a questionably foreclose action on this mortgage? 3. XXXX XXXX XXXX XXXX, who is the Trustee of the XXXX XXXX Certificate : XXXX XXXX XXXX-CH1? 4. Chase Bank USA , National Association and/or it's non-FHA sanctioned : Chase-Direct Non-Prime Division who originated this Toxic Mortgage loan in XXXX ; before selling it ( without due notice to the mortgagor ) to JPMCBNA? 5. Chase Home Finance, LLC ( now a subsidiary of JPMCBNA ) to which the mortgagor paid monthly payments for seven years between XXXX and XXXX? 6. Chase Manhattan Bank USA, National Associations Chase Home Loan Direct Mortgage Origination Center? As many as 171,201 other Toxic Mortgages such as Mortgage # XXXX were originated, sold and securitized from XXXX to XXXX, and we believe that these mortgagors, ( many of which are XXXX American Citizens ) would like to know the answer to the above question. TIME IS OF THE ESSENCE, so please respond ASAP! The following is snippets from http : //www.diy-carp.com are being sent without comments or commentary. ************ XXXX Predatory Lending, Mortgage Loan Fraud and Racial Discrimination/Racial Profiling Claims against JPMorgan Chase Bank, N. A. on behalf of are described below ************ Previously-unpublished HMDA-LAR Raw Data Disclosures found in the Governments National Archives and Records Administration ( NARA ) Repositories show that from XXXX to XXXX, Chase Manhattan Bank USA, National Association and its affiliates : JPMorgan Chase Bank , National Association ( JPMCBNA ), and Chase Manhattan Mortgage Corporation ( CMMC ) were guilty of Predatory Lending, Mortgage Loan Fraud, and Systemic Racial Discrimination/Racial Profiling in its Conventional Home Mortgage Lending Practices at their XXXX XXXX, Pennsylvania Mortgage origination Boiler-Room. The primary victims of these criminalities were tens of thousands of XXXX American consumers, but these wanton practices extended to other economically-distressed consumers as well. The Toxic Mortgages originated for these economically-distressed consumers by JPMCBNA during this period were immediately resubmitted to FFIEC via HMDA-LAR, cleansing them of all non-conforming mortgage characteristics ; and, then were securitized into fraudulent XXXX Trust Certificates by a third Chase affiliate : JPMorgan Chase Acquisition Corporation ( JPMAC ). In XX/XX/XXXX, during an elaborate plot to conceal the existence of more than two-hundred-thousand Toxic Mortgages originated by employees of these two National Banks, JPMCBNA along with XXXX XXXX XXXX , XXXX, conceived and executed an illegal Eleventh-Hour Outsourcing Maneuver to conceal these Chase-originated Toxic Mortgages from the Department of Justice Investigators during the discovery phase of the DOJs XXXX Trust Certificate Lawsuit against JPMorgan Chase and Company. Although the jettisoning of these tens-of-thousands of Toxic Mortgages was classified as outsourcing, its real intent was to transfer these toxic-waste assets to XXXX XXXX XXXX, the Trustee of This illegal maneuver was so successful that in a legally-unprecedented ruling, It resulted in allowing the proverbially-Fox to Guard the Hen-House when the DOJ named JPMCBNA, the primary defended in the landmark Chase XXXX Trust Certificate lawsuit, as the Sole Administrator of the $ XXXX Consumer Relief /Restitution awarded in settlement of this lawsuit. The role as the Sole Administrator of the $ XXXX Relief/Restitution enabled JPMCBNA to select consumers harmed by the unlawful conduct of JPMorgan and award them a rightful share of the restitution awarded in the settlement agreement. More than one hundred and twenty-three thousand mortgagors received relief/restitution awards ; but serendipitously, none of the Chase-originated Toxic Mortgages outsourced via the XXXX Chase/XXXX Eleventh-Hour Outsourcing Maneuver received relief or restitution, but an undetermined number of home mortgages held by JPMCBNA for investment purposes received undisclosed relief and/or restitution awards. ( As previously mentioned, many of the Toxic Mortgages outsourced during this illegal eleventh-hour outsourcing maneuver were owned by XXXX Americans, and predictably, received no share of this restitution. In an even more deceitful, sinister maneuver, JPMCBNA may have received some of the restitution slated to be received by consumers harmed by its unlawful Predatory Lending, Mortgage Loan Fraud, and Racial Discrimination/Racial Profiling mortgage lending practices. ( The XX/XX/XXXX edition, Consumer Relief Report from the Monitor of the $ XXXX Consumer Relief/Restitution, included the following caveat : JPMorgan Chase Bank , National Association received incentives for certain relief conducted in the first year, in hardest-hit areas ; and on loans held for investment as opposed to loans serviced by others, e.g., XXXX XXXX XXXX , XXXX . ) | ||||||
| 06/25/2018 | Yes |
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| COMPLAINT FORM STATUS Complaint No. XXXX Business Name Chase I previously contacted the Consumer Protection Division of the Office of Attorney General in regard to a complaint. The matter has not been settled to my satisfaction. The value of property I received or the amount of my indebtedness canceled is : $ NONE, in fact, the new predatory modification extended our terms to a predatory FORTY YEARS, has a predatory rate of 5.65 % ( compared to a fair market rate of 4.04 % when we first applied ) a PREDATORY total repayment of {$350000.00}!!! Prior to the predatory modification, our principal balance was {$130000.00}, after, {$140000.00}! If the matter has NOT been settled, please briefly explain the current status of your complaint. It is NOT settled : 1. On XX/XX/XXXX we received a creepy voice-mail message from XXXX XXXX at Chase that they are getting close to the actual figure and are a few number of days off in getting the figure, but they have confirmed the actual formula. They will definitely call us back when they figure out the number and again emphasized they were still a few days off of a concrete correct calculation. This is after nearly two months of requests of Chase trying to locate the claimed {$1600.00} in delinquent interest. WE HAVE RETAINED THE RECORDING. 2. On XX/XX/XXXX we received a call from XXXX XXXX at Chase. In this RECORDED call, he confirmed the following : The interest was current for the payment made XX/XX/XXXX. Prior to modification. There was no crediting of interest/principal/escrow on the initial modification payment posted on XX/XX/XXXX. He concurs that it is in a slush fund, he termed it as going to unapplied funds. He confirmed that there was no credit for interest. Nothing to principal. Nothing ever applied. The interest was current for the payment made XX/XX/XXXX. The interest was current on the payment made XX/XX/XXXX. The interest was current on the payment made XX/XX/XXXX. The first modification payment. 3. FBI Mortgage Fraud division notified. If Chase is skimming a few thousand dollars on average off each modification and calling it an interest charge, it would add up to a multimillion-dollar scheme. It is small change for Chase, as they usually deal in billions. 4. In their XX/XX/XXXX response, Chase claims that there was {$1600.00} in past due interest. The account is XXXX. The last payment prior to the modification credited {$240.00} in interest to the account. The problem is that they claimed that there was no principal and interest paid on the XX/XX/XXXX payment, a fact carefully concealed. The second trial payment credited {$240.00} and the third {$240.00}. All trial payments were paid as scheduled or earlier. No payments were missed during the process. Chase has taken another predatory action, concealing {$1600.00} and adding it to our account. 5. We were told to pay the trial payments for the modification before we could see the terms. A predatory action. Using the market rate of 4.04 % that was available when this process started in XX/XX/XXXX, Chase had the option of offering a payment of $ XXXX/month for the predatory term saving us a potential {$70000.00}. More importantly, they had the ability to offer a fair market adjustment for 360 months saving us {>= $1,000,000}. The best, fairest plan, would have been to offer 300 months at $ XXXX/month. This would save us {$130000.00} over the term of the loan and offer them a still fair profit of {$83000.00}. Instead, they chose the predatory route. Chase now claims rate offered going into the modification was 5.4 %, final rate 5.65 % resulting in another {$11000.00} over charge. 6. Chase noted that after an apparent cursory review, that we had received refinance pre-qualifications and /or inquired about refinancing but took no action. If they had taken the time to review the first mortgage we had with them at the time, they would have noted many other attempts dating to late XXXX or early XXXX. They claim we did not respond and send in the documentation. The fact is that when we inquired, we were informed that because the property value had dropped significantly we did not qualify. After we paid off the Chase first mortgage and tried again, the property value was still too low. Chase claimed that we could not participate in any of the government sponsored programs because they held a second-mortgage. They did not care that it was the only mortgage on the property and by definition a first mortgage. How a loan is originated does not define its position. Another predatory action by Chase. They also claimed that we could not use the programs because the loan was not held by XXXX or XXXX. While this is true, as late in the process as the day before we signed the modification, Chase representatives were still confused about if they owned the loan or not. Predatory incompetence. 7. It has been determined that Chase owns the mortgage. They also claim that they were mistaken when they claimed that pre-qualifications exist. They now claim they were merely inquiries. False statements to Federal and State agencies as well as officials. 8. If Chase would have offered a simple streamline mortgage in XX/XX/XXXX when originally requested, on a 15-year term using 3.44 as the average rate over the last 15 years, the balance would be {$65000.00}. The predatory actions by Chase have cost us {$74000.00}!!! 9. Chase has been approach countless times to adjust the due date. A simple change that would also have saved us thousands. Chase refused, another predatory action. Chase owns the mortgage. We made the mistake of paying the mortgage, if we had not, there would apparently been many more Chase options available to us. Chase has overcharged us through their predatory actions {$74000.00}. The predatory modification can only be described as ridiculous by charging {$110000.00} more than a fair market offer. The answer is a principal reduction of {$74000.00}, leaving a balance of {$65000.00} to be paid back with a term of 9 years and a payment if $ XXXX/month. Predatory lending is still going strong at Chase, it is far past the time to demand a change. Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX Advocate : XXXX XXXXXXXX Chase Account : XXXX cc : Senator XXXX XXXX XXXX XXXX | ||||||
| 01/08/2019 | Yes |
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| On XX/XX/XXXX I received a text alert for my Chase Freedom card in the amount of {$650.00} that I hadn't authorized or purchased. I called Chase immediately to report this as fraud ; they removed the charge. I wasn't aware what the purchase was for until 3 days later when I was looking at my XXXX purchase history and found " hidden '' purchases as an option ( until now I didn't even know this was an option on XXXX ). I found a " hidden '' purchase for a XXXX/XXXX purchase for three auto air compressors that were being shipped to my home address attached to my XXXX account. The hacker had successfully used my XXXX account, but were not able to change the delivery address. Since I had already reported this to Chase and the charge had been removed from my online statement, I thought it was settled so I contacted the XXXX seller, XXXX, and explained the situation ; asking them if they could send me a shipping label to send the order back to them once it was received at my home ( I didn't want to be accepting stolen goods ). The XXXX contact admitted in their first reply to me that they had seen an increase in fraudulent orders and accommodated the shipping label request to have the items returned to them. The seller received their items back within a week of the original fraudulent order and well within their noted 30 day return policy timeframe. The following month ( XX/XX/XXXX ) I noticed that the {$680.00} was showing up again on my online activity on the Chase website. I contacted Chase again and they said they had confirmed the order had been delivered to my home so they would not agree to covering it as fraud. I explained to them that I had documentation proving I returned the items when I learned they were shipping the items to me since the hacker was not able to successfully change the shipping address attached to my XXXX account on the XXXX order. The re-opened the investigation and I sent them all the message exchanges between me and the XXXX seller, XXXX. I was notified XX/XX/XXXX that Chase had once again closed the investigation and refused to cover it as a fraudulent purchase. They also reported this as a dispute to the three credit agencies. I called the contact 's name listed on their letter they sent to learn why they refused this as fraud. I left a voicemail and in the meantime I contacted Chase Support via XXXX. They DM 'd me and reviewed some details, but refused to provide assistance since this had already been looked at by the investigation unit and charged back to the account by Chase. I contacted the XXXX seller XX/XX/XXXX and explained the credit card company was not going to cover this fraudulent order and so I requested my funds be returned since they received the items within their XXXX return policy. They refused to return the funds stating it's been beyond 30 days of the order and claimed they no longer have the ability. They asked if I had contacted XXXX. I told them I was going to report it to both XXXX and XXXX, but htat they should do the right thing and negotiate a refund since they got their merchandise back while they accepted stolen funds, even while admitting they had seen increased fraudulent activity. I contacted XXXX XX/XX/XXXX. XXXX refused to open an investigation because I reported the issue to Chase first and they claim once the credit card is notified, they are no longer responsible for fraudulent orders. I also called XXXX XX/XX/XXXX and they refused to assist because 60 days had already passed and I didn't report it to them immediately ; also since XXXX was refusing to assist, they said they were no longer obligated to help. They set me up with a dual-certification sign-in option for my account to protect from future fraudulent orders on my account. XXXX advised me to try to work with the seller directly. I have not gotten a response from the XXXX seller since XX/XX/XXXX after I sent them two messages that day via the XXXX message service. I received a callback from Chase XX/XX/XXXX and spoke to XXXX in Chase 's investigation unit. She said although they believed me that this was not an authorized purchase and that it was outside my normal purchase history, they were unable to find a window in their policy that would allow them to cover it as fraud because it had been delivered to my home. She advised me to try to work with the dispute department claiming they would be able to work with the XXXX seller on my behalf to recoup the funds, so she transferred me to the dispute department. At the time, I didn't realize this was just a de-escalation transfer and that dispute department would offer no assistance in all actuality. I spoke to two different people, an agent and a supervisor ( I can not recall their names, XXXX and XXXX if I had a guess ). They refused to re-open the dispute case since Chase had already investigated it and charged the {$650.00} back to the account. They said that since this was no longer charged on the account from XXXX seller and actually Chase, that this prohibited their ability to contact the seller on my behalf. They only offered me a mailing address to request an escalation of the issue to request further support. This hand-off between the investigation unit and the dispute department seems to be a shady business practice since the investigation unit should already know that the dispute department can not help a customer if the bank were the ones re-applying the charges, and not the seller/store. The right hand does not know what the left hand is doing ; or at least are willfully ignorant to their own inter-departmental policies. Now, I am left owing {$650.00} to Chase and they are refusing to work with the seller on my behalf to recoup the stolen funds from the XXXX seller who has accepted the stolen funds and the returned merchandise after they admitted to increased fraudulent order activity. I've learned a valuable lesson to not contact the credit card company first, and rather contact XXXX first and report the seller to XXXX immediately, but my first instinct was to contact the bank once I received the transaction alert. People should be aware of this process as it seems like an easy-out for XXXX to take any responsibility from covering fraud and XXXX to assist with poor seller business practices. | ||||||
| 05/21/2021 | Yes |
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Web | Servicemember |
| PPP loan 1 started with Chase and they only gave XXXX short XXXX. SBA cleared this first I told the chase branch leader in XXXX NY that the XXXX has the loan clearing for XXXX. Branch president or leader said must take the XXXX as the SBA will run out of money. I took only XXXX Then had 2 appointments at the chase bank branch to please adjust my loan proper to the XXXX the branch said not possible adn that they had insight. Then the chase bank sent me via computer the data links to forgive the loan of XXXX. I did this. Then I applied for the PPP 2 and chase again refused the XXXX so I used XXXX and they got me the XXXX via the SBA. The SBA and chase refuse to help get the proper XXXX for ppp 1. Chase has written that the reason they can not adjust is because the loan was forgiven by SBA. But I only forgave it as Chase told me I could not adjust to the correct amount and then Chase sent me the forgiveness. Chase is then saying in a second letter also copied to XXXX XXXX congress of USA federal, that Chase can not confirm that I received advise at the chase branch. I can give dates of the times I was at chase bank getting advise and the workers will confirm that I was there talking with them about the loan. chase is lying and the men at the branch are people and chase can not say that I didnot talk to them. I am also concerned that if I was a man that I would have been connected properly the way apparently though I still do not know .... connected to get the correct amount of XXXX XXXX not just XXXX. Chase made several mistakes. Did not adjust. told me I could not adjust. Then told me to forgive via computer and with SBA. All of the tasks I did with loan was directly via chase. Also chase was not going to give the XXXX with SBA ppp2 but I basically cancelled all chase application and switched banks and did get the correct amount of XXXX for the PPP 2. I have letters and email to prove that I was given advise from Chase so they are wrong and there print is also wrong. the chase loan application number XXXX was added the ppp1 number is available but I did not add as I do not have easy access to it. ( another email XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX to XXXX, EXECUTIVE.OFFICE Dear Chase executive office, Your legal department said I can not get the ppp1 partner salary funds because I forgave the loan before XX/XX/2021. But I forgave it because XXXX XXXX at Chase told me a number of times that I could not get the partner salary. It was too late. Either do it with the application or forfeit. Also As you already know the XXXX XXXX leader told me to sign for the ppp1 loan at the payroll sum only because the money of the SBA was running out and I would lose the XXXX XXXX dollars. And XXXX XXXX dollars was a big deal for me. IF I did not sign I was at risk of losing the loan altogether even though XXXX had me in the que. ( and you know well that within 24 hours of signing the bank should have adjusted my loan to the correct amount of XXXX ) Chase is a Bank. Isn't this what they do? I want to tell Congress : There could be several other small businesses that have been blocked by chase at the branch level. OR is it just me? Before time is up I would think Chase bank should be made to give a more personal service to the loans that were rejected by them. I fear that some are people that did not know that Chase is not correct. That Chase is actually wrong. and that Chase is giving wrong advice on the PPP SBA loan program. I do want to say that XXXX XXXX was the most helpful of all the bankers as at least he was trying and thinking. He helped me realize that they all knew nothing of the PPP and it would be dangerous to work with CHASE. But XXXX XXXX at the XXXX branch if you look he never once emailed me. never had a paper trail. He always said no I can not change my loan ppp1 and then when it started to look as if maybe there was going to be a significant need as I came in 2 times and then started emailing. Well then he said he would try to email. Then he said he is not able to email the only way to address this is with the business direct He would tell me contact them \even when there was 2 hour wait times XXXX XXXX was a dangerous blocker to me getting any correct information. He would have made me lose another XXXX. Dollars Then I contacted the Chase complaint line. This finally got me to the executive branch. OR it was the LEader at XXXX I think he is XXXX. Executive branch XXXX is reachable via the XXXX executive branch. she said my case went to the legal department. I think I need help to reopen it and find out why Chase did not contact me to tell me that I should not forgive my loan. Why did they send forgiveness papers to me when they were informed via the branch XXXX XXXX several times that I wanted to get my loan increased to XXXX I made an appointment for chase business client and talked to him about it. I am certain there is a documented appointment in chase. I will call them again and tell them you are also working on this. I did not write a timeline as I just did not realize how Chase bank was blocking this. IT is as if they either had no idea they were blocking this or XXXX XXXX just did not like me as I was a women. OR I had a deep voice or brown hair. I have no idea why he was not helpful. I would have to say that the reason chase is not helpful as the people in the banks are not even aware of how any of this works. What is the answer. I can make suggestions but I think XXXX XXXX and XXXX XXXX are onto some good ideas. And I already have too much work to do that this is just taking too much of my time. But I appreciate that anyone is reading this and coming up with some ideas. Streamline. all questions need to be sent to the proper department. XXXX XXXX needs to know how to do this. otherwise the personal in bank service just does not work. It does not mean there has to be poor service in the bank but there sure needs to be several arms available for the bankers to access. Especially when it comes to this new loan the PPP. I remember XXXX and XXXX at the MErchants and XXXX XXXX would ask any department for help. Stay safe, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Up XXXX XXXX, New York XXXX XXXX : XXXX fax : XXXX cel : XXXX ) | ||||||
| 10/17/2018 | Yes |
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| On XX/XX/XXXX I went to Chase Bank located at XXXX XXXX XXXX to try and obtain several loans. I only applied for one loan due to the branch closing hours and it was an auto loan for a little over {$100000.00}. After supplying my Social Security Account Number to the associate in the Auto Loan department and being denied : I gave to XXXX XXXX an Administrative and Constructive Notice. |I tried to explain to her that since XX/XX/XXXX congress has guaranteed every loan and that XXXX has also determined that every loan is to be insured. In the notice I presented to her, I go into more detail concerning the nature of the actual cash value items known as loans which are promissory notes. I instructed XXXX XXXX to deliver the notice to her branch manager and also informed her that the notice pertains to her also. She scoffed at me and remarked that she would be shredding the notice as she felt that it did not apply to her. I advised her that the idea would not be good for her nor her financial institution but she just went off laughing. Patiently waiting for a response via written or electronic and having received none ; I again went to Chase Bank and spoke with the branch manager XXXX XXXX on XX/XX/XXXX. I tried to express the same thing and she shut me down immediately and threatened to have me escorted off the premises when I informed her that I felt that our business was not completed and she proceeded to leave our conference. Trying to give me the notice back, I explained that I would file a complaint with SEC ( Securities Exchange Commission ), FTC ( Federal Trade Commission ), CFPB ( Consumer Financial Protection Bureau ), and the XXXX ( XXXX XXXX XXXX ) and she said that she would take the notice that was addressed to her, XXXX XXXX, and Chase Bank and forward it to the banks complaints department. I left and called XXXX for XXXX, La and was advised to also reach out to LOFL ( Louisiana Office of Financial Institutions ). It having come to my attention, that we are in a continued National Banking Holiday since XX/XX/XXXX in accords with the Emergency Banking Relief Act of XX/XX/XXXX ; the Federal Emergency Relief Act of XX/XX/XXXX ; Presidential Proclamations 2038, 2039, and 2040 ; Congressional Notes, Records, and Documents for the 73rd Session General Assembly Congress ; Senate Report 93-549, XX/XX/XXXX [ Pursuant to S.Res. 9, 93d Cong. ] ; and the stance of the UNITED STATES government ; specifically noted on the TREASURY 's government website, the UNITED STATES TREASURY has declared that Federal Reserve Notes have no value " Federal Reserve notes are not redeemable in gold, silver or any other commodity, and receive no backing by anything. This has been the case since 1933 ( the year XXXX XXXX XXXX came into office and made the above referenced proclamations ). The notes have no value for themselves, but for what they will buy. '' This excerpt is taken from the official website of the United States financial expert, the United States Department of the Treasury [ https : //www.treasury.govXXXX ] whose job it is to print the money utilized by the public, and note how they say that since the government declared bankruptcy in XX/XX/XXXXtheir notes have had no value. The United States Congress has an active statute which provides that Federal Reserve Notes are only to be utilized by federal reserve banks, their member banks respecting government obligations which the fees of this agency purport to be, and for no other purpose is it authorized- ( see : 12 USC 411 ). Then if the United States Congress confirmed its intentions with their congressional records and discussions- The ownership of all property is in the state ; individual so-called ownership is only by virtue of the government Senate Document No. 43, 73rd Congress, 1st Session, Under the new law the money is issued to the banks in return for government obligations The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and of all the People of the nation. Congressional Record, XX/XX/XXXX on HR 1491 p. 83. Congress also determined that all mortgages along with all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposits, bills, checks, or drafts for money in the United States were deemed to be Government Obligations, which come with the guarantee of the United States full faith and credit. Seeking to remedy and tender payment as declared by Congress ; owning that Congress determines all debt to be valid, all debt to be government obligations ; has set in place procedures that Ive followed to the best of my ability ; to tender payment. The Federal Emergency Relief Act of 1933 AN ACT To provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4 ( a ) ) Out of the fundsto provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless.-The Federal Emergency Relief Act of 1933 Approved, XX/XX/XXXX ( Sec. 4. ( a ) ) Obligations of the United States shall be receivable for all public dues. The shall be redeemed at the Treasury Department of the United States or at any Federal Reserve bank. 12 U.S. Code 411-Issuance to reserve banks ; nature of obligation ; redemption ( XX/XX/XXXX, ch. 6, 16 ( par. ), 38 Stat. 265 ; XX/XX/XXXX, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; XX/XX/XXXX, ch. 614, title II, 203 ( a ), 49 Stat. 704. ) Since XX/XX/XXXX, the United States has been in A STATE OF DECLARED NATIONAL EMERGENCY. 7 CFR 1901.508 Servicing of insured notes outstanding with investors. ( i ) Endorse the insured note as follows : Pay to the order of.Without recourse. The holder will then deliver the endorsed note, to the Director, Finance Office. ( ii ) On receipt of the endorsed note the Director, Finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. | ||||||
| 01/05/2018 | Yes |
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| I am writing you asking for help on a matter that I have been battling for months with no resolution. I originally had some automotive repairs done in XXXX XXXX. The cost of the repairs totaled {$3900.00}. The repaired were done at a facility called XXXX XXXX over off of XXXX XXXX in XXXX. I had looked for a place to have my truck repaired for about 2 weeks wanting to find someone qualified to correctly address the issue. The issue was having a camshaft and lifters replaced in my engine as the original was causing problems. I was referred to XXXX XXXX from a neighboring business when I had went in to inquire about their services. I was a bit hesitant to have internal engine work done at a place the does muffler work however I was told they were very capable of the job. I met with the owners son of the business at XXXX XXXX and told him I was referred to him and the problem I was having. He diagnosed the issue I was having and informed me he could fix the issue for about {$3000.00}. I agreed to the price and was very specific I wanted original manufacture parts used in the repair and not aftermarket parts. He started work the very next day and had my vehicle for about 7 days. During this 7 day period the person at XXXX XXXX had called to try to upsell me on performance parts such as exhaust headers which I declined. I also received a call informing me that he needed to remove the oil pan as a timing chain tensioner was broken and that it would be about another {$1000.00} dollars. I requested all faulty parts be saved to show me to justify work performed. I also provided the owners son my mobile number to text message pictures of these parts/issues to ensure the legitimacy of their claims. I received no pictures or proof of the work needed done. I picked up my vehicle on a Friday and spoke with the owners son who personally did the repairs. After asking him for the old camshaft and lifters to visualize did he produce them out of a garbage can. The old timing chain tensioner was never provided. I was a bit irritated and had some doubts over the legitimacy of the extra work performed however just paid the bill as my truck is needed for my job. IMMEDIATELY after leaving the repair shop I noticed problems with my vehicle. I called XXXX XXXX within 10 minutes to report my vehicle was shifting very hard and abnormally. I was told to drive in for a few days to see if the problem would resolve itself as they had to reprogram the vehicles software. This struck me as unusual as why would a vehicles software need to be reprogrammed is they used the same parts. The next day I started also having issues with the check engine light coming on when the vehicle was started. I immediately called them and was told I would have to talk to the person they hired to perform the software tuning. This person was not even employed by XXXX XXXX. The receipt I have reflects I was charged {$500.00} for this service. I asked to have this individual contact me. I never heard a word. A couple days latter I notice my cruise control would also not work on my vehicle. I finally dropped by XXXX XXXX and spoke with the owners son who performed the repair. He was annoyed by my having showed up to question him on the issues I was having and wanting them resolved. Again I was told he would have the software person contact me and I was having these issues because of a mistake XXXX had made in the software. This was obviously not true. However again I waited for a call and nothing. A few days later I called Chase, my credit card issuer to dispute the charge. Upon speaking to the Chase representative they attempted to contact XXXX XXXX while I was on the phone to try to resolve the issue. XXXX XXXX hung up on the Chase representative and wouldnt speak to them. Since then I have provided all documentation asked of me to Chase. Including documentation from XXXX XXXX whom found that the parts used in my engine were incorrect and were n't even for model of engine my truck has. They informed me this is why I was having check engine lights and why my cruise control would not work, and also informed me that XXXX XXXX disabled the Variable Valve Train feature on my truck. This is apparently the feature that saves the vehicle gas mileage while especially on the highway. I have diligently tried to get Chase to help me on this matter however have met one issue after the other with them. I received a voicemail from a person handling the dispute case only to call them back and was notified their voicemail was full. The same person sent me documents I needed to fill out by XXXX overnight only to find out the documents stated they needed them back the day before I received them. Which is the very day they sent them. I have tried numerous avenues to resolve this issue and have got nowhere. I have provided all necessary documentation proving the merchants fault. I made numerous calls to them to keep informed of the dispute as it was ongoing and made every attempt to provide all information relative. I have received nothing but excuses and very poor handling of the case. I even had to open another dispute as they closed my initial dispute. They now are not willing to pursue the issue and I am left to deal with having to pay again to correct this issue. At what I will have spent I could have bought a new engine for my truck. I am just really at a loss for what else to do and would greatly appreciate your help in making progress on recovering funds so I can have the repairs corrected by a competent facility. I have have provided the documentation from XXXX XXXX which was required by chase to backup my claim the work was faulty, the original receipt, the first form i submitted for the depute that was sent to me after the date they requested it back, the air bill from XXXX with the date that shows this was sent to me late out of their timeline. If any other documents are needed I would be happy to provide them. Chase has not followed their own guidelines for disputes. I was diligent on following up and addressing all issues and questions on the matter. This bank has blatantly refused to credit me back when I have shown the merchant ripped me off. I have also noticed the statements on this matter have disappeared from my account with chase. | ||||||
| 10/11/2018 | Yes |
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| This is a follow up to my complaint XXXX filed with the CFPB on XX/XX/XXXX. Chase sent their response on XX/XX/XXXX. Chase, once again, failed to comply with my request to identify the responsible person who prepared the response. Chase has failed to service my loan in good faith by not following contractual terms specified in mortgage ; consistently evading my request for details and documents ; Chase has been unfair to me when it paid a debt collector without any notification or verification ; and has been using tactics to mislead me. On Friday XX/XX/XXXX, Ms. XXXX XXXX from Chase at XXXX Ext XXXX left a voice message in my fathers phone number XXXX. My father, XXXX XXXX, returned her phone call and left the message shown below. Hi ; This is XXXX XXXX and my phone number is XXXX. I am returning your phone call that I missed at about XXXX XXXX on Friday XX/XX/XXXX. I am sorry that I missed the call. Unfortunately your voice message is not clear to me and it is confusing. As I have requested you before, please explain your message in writing. You may use our email address XXXX or my home address at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. Please ensure that the details address all concerns in the recent Consumer Financial Protection Bureau ( CFPB ) complaint. Please explain and/or provide details for the following : 1. Why did Chase pay the XXXX tax without any advance notification to my son? 2. Why did Chase pay a debt collector XXXX tax when there was no tax payment issue concerning any year from XXXX to XXXX? 3. Did Chase verify the XXXX tax due with the XXXX XXXX XXXX before paying a debt collector? If no, please explain your reason. 4. Does Chase refuse to recognize the XXXX XXXX XXXX certification on the XXXX tax payment in XXXX? 5. Did Chase receive any proof that the XXXX tax was not paid? If so please send a copy of the XXXX lien on the property. 6. Please explain why Chase ignores the Evidence of Payment section and the Right to Contest section of the mortgage as stated in the complaint? 7. Did Chases own title search in XXXX find any lien on the property? 8. Please provide a copy of Chases XXXX Title Search Report. The year XXXX is more recent than the year XXXX. Thank you. Again, my name is XXXX XXXX and I am returning your call. Assuming Ms. XXXX XXXX is responsible for sending the latest letter dated XXXX, I consider this letter to be an incomplete as it does not address all my concerns. In addition, this letter also confirms the opening of an escrow account on my behalf without my knowledge. I never authorized Chase to open as an escrow account under my name. Chase needs to provide how it has the authority to open the escrow account without my approval and knowledge. Because Ms. XXXX has been ignoring my concerns and has demonstrated her inability to resolve the issue, I request Chase to assign a higher level supervisor to handle my issues hereon. The issue here is why did Chase make an unilateral decision to pay a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX when the XXXX tax due was already paid in XXXX as stated by the XXXX XXXX XXXX, Mr. XXXX XXXX in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. The XXXX XXXX XXXX letter was attached with the initial complaint. Chases recent letter dated XX/XX/XXXX states the following regarding the XXXX XXXX Certification of XXXX tax payment : If you would like your concern researched further please send in proof of payment for the XXXX XXXX XXXX XXXX Taxes. The letter you provided advises that the taxes were paid, but it doesnt specify who paid the taxes. Please note that the tax collector is a government official and he has certified that the XXXX tax was promptly paid in XXXX by due date. If Chase has any evidence that this government official was wrong in certifying that the XXXX tax was already paid, then please send me the evidence. If you have any evidence that the tax was paid by the debt collector or anyone other than me or my previous mortgage company in XXXX, then please send the evidence. Please provide me with a government letter that disputes the XXXX XXXX certification of XXXX tax payment in XXXX. I need this to conduct my own research There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not authorize Chase to pay any tax on my property for any year prior to mortgage signed dated of XXXX XXXX. This Chases action is in violation of the Evidence of Payment section of the mortgage because it is ignoring the written statement from a governmental official. Chase must explain its action why it chose not to comply with this contractual requirements in the mortgage. Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. Chase must explain its reasons why it chose not to comply with this contractual requirements in the mortgage. Chase in its letter dated XX/XX/XXXX, has admitted of inadvertently overpaying {$51.00} to a debt collector. Chase has confirmed the error but has failed to explain the error. In order for me to conduct my own research, I must know details about this error and in particular how it is related to the year XXXX tax. It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. In the same letter, Chases claim that there are no errors in my account is misleading because it has confirmed making inadvertent error in my account. Chases own title search in XXXX prior to approving my loan did not find any lien. If there was a lien, Chase would not have approved my loan. I need this title search report to conduct my own research. Please send me a copy of this title search report. If it is lost or unavailable, then please explain how it is fair for Chase to demand documents from me for XXXX when it refuses to provide me with the required documents for XXXX. | ||||||
| 08/08/2023 | Yes |
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| XXXX XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX as I have for the past several months to wash my clothes. I utilized my business debit card to upload my laundry card with {$10.00}. The machine charged my card {$100.00}, I looked for the attendee to rectify the problem by no one was on site. I then placed the laundry card in my pocket and purchased a new card for {$11.00}, I then washed & dried with that card. Upon completion of my laundry the attendant had arrived and I explain the situation to her and she informed me it should be back on my card by tomorrow if not contact my bank & dispute the charge. XX/XX/XXXX the funds were not placed back on my card so I called Chase Business Dispute Department. When I explained the situation to the representative they refunded the incorrect amount of {$11.00} which is the correct amount of my purchase. I then called back into Chase and explained this again. On XXXX XXXX my account negative {$100.00} due to Chase reversal. They told me they didnt hear from the merchant and I would need to provide a receipt from the laundromat. The machine doesnt give you a receipt, I began to explain that the transactions are directly above one another on my business bank statement thats my only proof of the transactions. Trying to resolve the matter I then told the representative on the telephone call that Id take the laundry cards into the bank so that the merchant can either pick them up or the bank could mail them to the merchant so that I could receive my funds back as well as get my account out of the negative due to this issue, he agreed that would be the best way to proceed to correct this matter. On XX/XX/XXXX the cards were taken to Chase Bank located at XXXX XXXX XXXX XXXX, Ohio XXXX, given to the Assistant XXXX XXXX XXXX. He begin to tell me that he could not put money into my account with the cards and there wasnt anything he could do with the cards. I reexplained to him that representative I had spoken with over the phone had informed me to bring them into the branch so XXXX could contact the merchant to collect the cards or mail them out. I then called back to the Banks Business Dispute a department and informed them the cards were at the XXXX XXXX branch, they then told me that I would need to provide a receipt again. I went home and printed off my bank statement returned to the branch with them and spoke with Manager. Upon explaining to her she said it did not make sense theyre requesting a receipt and its on my transaction history of bank statement. Her system was down so she said she would call over to the Business Dispute Department and try to speak with someone. When she called in she explained that the machine doesnt provide any receipt but it was a purchased with my business debit card. They informed her the systems are down and they needed the receipt. She told me to return later and she would call back and try to rectify the problem. When I went back she placed an order for further investigation from the Dispute Department and she said theyll contact me to get the details needed. I called the Dispute Department and they informed me that they had closed the matter due to me not producing a receipt. XX/XX/XXXX I called and explained the situation to the laundromat attendee XXXX he told me, XXXX was the owner he comes in on Tuesday and Thursday around Noon and one to four or five in the afternoon and I could speak with him then in person. He gave me his personal cell phone number to call so he could tell me of XXXX was in on Tuesday. XXXX XXXX I went to the laundromat and explained the situation to the attendee an older women, she told me the bank would have to do it. I told her I had spoken with XXXX and he told me that XXXX would be in Tuesday, she explained to me that XXXX is the owner XXXX is just an employee she doesnt know why he told me to come see XXXX XXXX I told her the bank said they had contacted the owner and hes saying its a correct purchase, theyre requesting a receipt, she said the bank is giving you the run around theyre lying to you. She gave me the number posted inside the laundromat, which is the same number XXXX had given me. I didnt receive an answer so texted the telephone number and explained the matter. Still didnt receive a response or call from the merchant. I went back to the laundromat Tuesday XXXX XXXX upon my arrival XXXX was there he said XXXX XXXX come in yet and to call him later on in the day. XXXX XXXX I went back to the branch and spoke with the Assistant Manager XXXX XXXX to get the laundry card so I could take them up to the laundry mat and try to get my refund for exchange of the cards. He began to search on countertop, while his colleague snickered! He then looked up and said he had thrown them away because there wasnt anything he could do with them. I asked him why would he throw them away because he knew as well as the manager about the dispute. He told me to tell the laundromat to call him, I explained to him the laundromat wouldnt be able to check the balance now to refund me. XX/XX/XXXX I received a call from Chase Bank extensive business dispute department, representative name, XXXX called to get all the information for the dispute. She later informed me the matter had been closed and the decision would not be changed. XXXX XXXX I returned to the laundromat XXXX was there I showed him my bank statement showing the dates and transactions and that the bank had thrown out the cards now. He told me that the owner will be there tomorrow and bring that back with me. XXXX XXXX I received a call from Chase extensive business dispute department representative XXXX XXXX, she also collected details and told me it could take up to three to seven days to get a response and she would contact me when they send her the decision. She called XXXX XXXX and informed me that the matter was closed and it wouldnt be reversed! I have exerted all resources as stated to both parties I dont have thousands or millions of dollars in my account but its mine and I do everything required since Ive had the account since XXXX. As well Im a single mother with little income and that this isnt far that my account will be closed due to an error of a machine and human beings. Chase Dispute # XXXX | ||||||
| 07/31/2023 | Yes |
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| I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. ) | ||||||
| 09/25/2017 | Yes |
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| My Mother created a life estate granting to me. A Transfer on XXXX XXXX was recordedXX/XX/XXXXand a Quit -Claim Deed recorded XX/XX/XXXX. The legal description on both deeds was stamped with a red star by the County Auditor, meaning the legal description is inadequate and shall be corrected before the next transfer. I applied for a Home Equity Loan on XX/XX/XXXX. The Bank did not do a Title search. My income at the time was XXXX XXXX XXXX at {$630.00} per month. There was the life estate. The property value for tax purpose was {$66000.00}. The loan was approved for {$50000.00} and the agreement was signed by me on XX/XX/XXXX The Bank also paid off an existing loan in the amount of {$13000.00}. I signed a Home Equity Line Of Credit Agreement And Disclosure Statement onXX/XX/XXXX naming me as the Borrower. There is also an Open-End Mortgage. Upper left corner shows XXXX, XXXX, Deed Of Trust /Mortgage. This Mortgage refers to me as the Grantor and through out the document as well. THE GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS. My name is shown in type. I signed above that. It was witnessed by 2 Bank Employees. My Mother is the Grantor, I am the Grantee or Remainderman. She signed no documents and her name does not appear any where on any documents. After much research, If this is actually A Deed Of Trust/Mortgage.. In Ohio there is a Mortgage or Security Agreement that is A document that embodies the agreement between a lender and a borrower to transfer an interest in the borrower 's land to a neutral third party, a trustee, to secure the payment of a debt by the borrower. There is no such document. My property value decreased to {$45000.00} in XXXX. The valuation report requested by Chase and preformed by XXXX XXXX showing market value {$85000.00} and suggested list at {$89000.00}. At the present time I may have to replace the leach feed for the septic system. It was installed in XXXX 's. My roof needs replaced. Shingles are blowing off and it has stated leaking in one area when it rains. In XXXX I was advised by an Attorney that I could sell a portion of the property. This occured XX/XX/XXXX but was not recorded until XXXXXX/XX/XXXX. The area sold was .356 acres leaving my property with 2.144 acres. I eventually found it difficult to make the payments. I even borrowed on the Equity account to make the payments but I could n't continue to do that as the funding was closed. I applied many times for a modification but was always denied. I was also told by a Chase Rep that I would never be approved for a modification because I have missed payments. I applied for Save The Dream ( hardest hit fund ) I was approved for {$35000.00}. Chase was offered {$25000.00}, to bring the account current and a modification. Denied by Chase. Chase would only agree to 18 months of payments and bring the account current. The only help this provided was me not having to make a payment for 18 months. There was a foreclose filed on XX/XX/XXXX and was dismissed on XX/XX/XXXXdue to the agreement of Save The Dream. There was a Title search done XX/XX/XXXX and filed XX/XX/XXXX. Most of my concerns shows in this report and Chase had the opportunity to request a new survey and all other concerns that are ongoing at the present. I again applied for a modification on XX/XX/XXXX. Chase continually ask for more documents. A trial modification was approved XX/XX/XXXX. I needed to make 3 paynents of {$230.00}, which I did, XXXX, XXXX and XX/XX/XXXX After the final trial payment I contaced Customer Servise to ask what the final payment would be. I was told that would be determined and XXXX would notify me. That never happened. Chase stated in a letter datedXX/XX/XXXX Chase states that a new survey is needed. Chase was aware of the title situation when the Modification was approved.On XX/XX/XXXX, I received a letter from Chase stating that my mortgage assistance was canceled because Chase needs to record a modification within the land records and had not received the information they requested. The Attorney that provided the service for the sale of the portion of the property had the portion surveyed and there is a legal description for that portion. The Attorney provided me with a legal description of my property with an Exception of the portion sold. Chase will not accept this for a modification. Two Attorneys , county engineer , county auditor, and county recorder says this is a legal description and acceptable for a modification. Chases position is I sold a portion of the property without notifying them and this created a clouded title and they do not know how much property I have. THE TITLE WAS CLOUDED WHEN CHASE APPROVED THE LOAN. Chase approves a loan on a clouded title and now refuses a modification because of a clouded title. The payment duXX/XX/XXXX was {$700.00} ( 2months ) {$350.00} per month. I began receiving new monthly statements. XX/XX/XXXX - {$250.00}, XXXXXX/XX/XXXX, {$250.00} and XXXXXX/XX/XXXX, {$250.00}. There is a summary of most recent payments beginningXX/XX/XXXX XXXX past due, all within the {$250.00} range. I ask Chase why my payment is less than the XXXX payment. I have not received an answer except monthly payment amount will change. I replied I am aware but why {$100.00} lower. No reply. My Parents purchased this property in XXXX. This is my Home. I do not want to lose it. I simply ask for a modification to a lower payment. I have also invested about {$20000.00} of my own money. lots of termite damage. Every floor joist in the down stairs had to be replaced. The ceiling in the front room had much damage and the ceiling joist had to be replaced. The main beam ( 9 in x 9 in ) under the floor going side to side had to be replaced. The stairway to the upstairs was basically hanging in mid air. A last comment ... .I have a surveyor but can not afford the fee. I made a request to Chase to pay for the survey and add it to the back of the loan. It was denied first because they do not do it for any one else. Next I was told it is in violation of UDAP, totally false. Last I was told it would be considered a personal loan. How can this be true if it is an existing loan added to. Chase pays millions in fines but can not help with ( compared to millions ) a few dollars. | ||||||
| 07/31/2023 | Yes |
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| I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. ) | ||||||
| 08/31/2017 | Yes |
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| On the morning of XX/XX/XXXX at approximately XXXX XXXX MST I logged into my account to see that there was a new pending charge made that I had not previously been aware of. In response, I immediately transferred {$50.00} into my account from XXXX to ensure that the account did not go over as that and XXXX other transactions were still listed as pending. Wanting to make sure that the transaction had gone through before any overdraft fee had been assigned I logged in the next day at approximately XXXX XXXX MST to check that everything had been covered in time. When I logged in, it showed transactions as still pending, my deposit, no overdraft fee, and a positive balance of {$27.00}. There were no messages stating that the system was undergoing maintenance and that the balance may be inaccurate or that fees from the previous day may have not yet been assigned. My bank does occasionally show such a notice on weekends, so I believed that what I was seeing was accurate as there was nothing to indicate to the contrary. Based on this information, I went about my day and made a purchase with my debit card. However, when I got home and logged into my bank account online at approximately XXXX XXXX MST, all the transactions that had been shown pending in the morning were now suddenly showing as having been completed the day prior and that an overdraft fee had also been assigned the day prior. As a result, the site now showed my balance going into the day as - {$7.00} with another pending transaction. I immediately transferred {$24.00} from my XXXX into the account to attempt to prevent what would now be two additional overdraft fees and called my bank. I at first spoke to a representative that was polite but explained that there was nothing she could do as I had maxed out my overdraft fee refunds with a previous request related to another issue that had been resolved earlier in the year ( as I recall, there had been a large transaction that slightly overdrafted, but they ran several smaller transactions after it that had been made prior to the charge, causing a cascading overdraft effect - had they ran these smaller transactions first, there still would have been a positive balance prior to the larger transaction that slightly overdrafted, apparently in the course of fixing this they locked me out of being taken care of on any other issues for the year ). I responded that I understood but in this particular situation I had been mislead and would not have spent any money had I been provided with the correct information about my account online and would like to speak to a manager. I explained the situation to the manager and that I was unsure of the time I had logged in in the morning to which he suggested XXXX XXXX or so, to which I responded that sounds right. He then informed me that the bank would post the pending deposit but would not show me any transactions that had finished the previous day as the system was in maintenance mode and would not have processed them that early in the morning and implied that it was my fault that I did not know that. The manager was very rude and dismissive in this response to which I said I found that very misleading as a consumer because there was nothing on the website to tell me that was the case. I communicated that if my account could have hidden fees that were n't showing, the website should indicate that to me so that I am not mislead into spending money that is n't there. He then apologized for his tone and began to tell me that I had actually logged in around XXXX XXXX in a very accusatory tone, which I took as him calling me a liar for not being 100 % sure about when I had logged in initially. He then did his best to conjure up a fake apology and inform me that there was still nothing he could do and that their system worked just fine as it is, again implying that I am at fault for not knowing the intricacies of their system 's processing methods - methods that are not described anywhere on their site that I could find. I then asked for information about their arbitration system so that I could deal with this myself as I believed my account was setup under an arbitration clause, to which he responded he did not know what that was or if I was under one. He made no effort to determine whether or not it was the case and only offered to provide me with deposit regulations. Their website also had no information on this as far as I could find. I let him know there was nothing else he could do for me and that I would try to resolve the issue myself. ////////// In the end, my concern is that my bank provided me with information that I used to make financial decisions that then will likely cost me an additional {$68.00} in fees I must pay to them because of the unique way in which their system processes. I find that the way their website conveys information to consumers that use their system early in the morning - primarily those that have to work very early - deceives its users into spending additional money and thereby paying out additional overdraft fees. In other words, if it is possible that fees had been charged the previous day, I should be able to see them as soon as I see my deposits, or there should at the very least be a notice informing me of the possibility and need for me to check again during business hours. While I now understand how their system works in this respect due to information provided after the fact, I am certain that this targeting of lower income customers and those who choose to keep most of their funds in a separate savings and/or an online account such as XXXX is effecting more than just me. I can provide the call recording upon request. ////////// The day after I originally wrote this up, the bank did the same thing, showing a positive balance in the morning, but changing it after a certain time - allowing me to attach images showing that there is no indication on the site anywhere to suggest that the balance it showed may be inaccurate. At best this is misleading the customer and at worst it is a planned attempt to lure lower income customers into racking up more overdraft fees. As a result of their deceptive practice I now have an additional {$68.00} in fees as previously mentioned as being a possibility. | ||||||
| 01/22/2021 | Yes |
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| To Whom It May Concern, I am filing a complaint on behalf of Chase Bank for failing to reimburse the remaining XXXX in my account before they closed the account. Approximately the second week of XX/XX/XXXX, I opened a checking account with Chase. I was approved for this checking account. On XX/XX/XXXX, I deposited a check from XXXX XXXX Bank to Chase Bank in the amount of XXXX ( See the attachment below titled " Copy of XXXX XXXX XXXX XXXX XXXX XXXX ). On XXXX XXXX, I received confirmation that the deposit was received for the Chase Bank checking account. ( See the attachment below titled " XXXX Email Deposit Confirmation '' ) .The deposit was completed without error. ( Please see page 2 of attachment " XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX '' XXXX. According to the attached Chase transaction detail and checking summary the online deposit was completed and the XXXX was in the account. On XX/XX/XXXX, I performed a one time transfer from XXXX XXXX in the amount of XXXX to ensure that future transfers would be made without error. On XX/XX/XXXX, the account showed a withdrawal of XXXX XXXX with a description " XXXX XXXX Check Charge '' ( see attached Chase Bank Checking Summary and Transaction detail. ) I attempted to call Chase Bank to inquire about the reason for this withdrawal. I called Chase bank 3 separate times during the first week of XX/XX/XXXX, each time explaining my predicament to a representative, each time was transferred to the same " Deposit Return Department '' that I was not allowed to obtain a direct number in the event we were disconnected. Each time I waited on hold 3 hours which resulted in being disconnected. My assumption is I reached the maximum amount of time allotted to wait on hold before calls are disconnected. From these calls I was able to determine the account was closed by Chase but I was unsure as to the reason it was closed nor as to why they accepted a deposit and then closed the account. I then went to my local Chase branch at XXXX XXXX XXXX XXXX XXXX XXXX during the third week of XX/XX/XXXX. I presented supporting documentation that I have attached in this email including my bank statement showing the amount of money in the Chase checking account before it was closed, a copy of the physical check from XXXX XXXX deposited by Chase, in addition to a photo ID and proof of income to the General Branch Manager, XXXX XXXX. I was kindly informed by XXXX XXXX that the account was closed due to lack of proof of identification for the account. Prior to this, I had not received any contact from Chase that required additional proof of identification in order to maintain the account. XXXX XXXX informed me he would have to contact the " Deposit Return Department '', the same department I had been on hold for 3 hours 3 separate times prior. After waiting approximately one hour at the branch location, XXXX XXXX stated he was unable to contact anyone directly in the department and was placed on hold. I inquired as to whether he had access to a direct line to reach a representative given he is a staff member. He stated that he did not have a direct line to the department and was required to wait on hold as if he was a customer calling. Given the state of the pandemic and attempting to limit the number of customers in the building, XXXX XXXX suggested he contact the department and follow up with me in one week. Unfortunately I missed XXXX XXXX 's call on XX/XX/XXXX. In the voicemail, he stated the following " Hi [ my name. ] good afternoon this is XXXX XXXX at Chase Bank. I tried to call the Deposit Return Department to find out when that certified copy of that check deposited from XXXX XXXX would be returned to you. I am unsuccessful getting to that department now based off the Covid 19 call center situation. But you should receive that check back soon and then, you know, you can reopen up the account. Everything is set up now in the system with an address verification so we do have the documents on file. To discuss further why don't you give me a call back so we can just you know touch basis on that process. You can reach me directly at XXXX XXXX. I'll be at the branch until XXXX XXXX today and I'm working the remainder of the week as well. So if I'm not able to pick up let me know a time when you're available and I can make sure that I call you back so we can have a phone conversation about it. Do look forward to working with you, XXXX my name ]. Take care. '' Please see the attached voice recording from XXXX XXXX on XX/XX/XXXX. I called multiple times, each time leaving a voicemail, and XXXX XXXX failed to return my calls. Many months have passed since this encounter. As a healthcare provider during a pandemic, my time has been extremely limited. I also live in the XXXX XXXX XXXX area and had multiple local fires shortly after my encounter with XXXX XXXX. At this point, I have exhausted all my options on this matter. My request is for this matter to be investigated and to receive a check in the amount of XXXX XXXX to the mailing address below ), money that was taken from me and has since not been returned. I understand that customer service was difficult to maintain during the pandemic. And it should be known that XXXX XXXX was very polite and did the best he could in a difficult situation. However, I am concerned that a bank would close an account without communicating the reason and without warning. I am baffled that a bank would accept deposits from multiple sources and then close an account without reimbursing the account holder. I am perplexed a bank would not have direct lines of contact for staff within their network to contact I can understand why I may not get access to the " Deposit and Returns Department '' but I do not understand why that number would not be accessible to staff, especially during a time when the bank had limitations in accessing their customer service. Unfortunately this was not something I could do on the website. I even attempted to message customer service directly online and was advised to call. The problem lays with the Chase Bank institution, not customer service representatives nor XXXX XXXX, and I caution anyone to open a checking account at this bank based on my experience above. | ||||||
| 10/22/2019 | Yes |
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| Subject : Case Resolution and Investigation Request To Whom It May Concern : My name is XXXX XXXX, My companys legal name is XXXX XXXX XXXX. XXXX DBA XXXX XXXX XXXX / XXXX XXXX . We are a Credit Card Processing ISO since XX/XX/XXXX with over 220 employees and processing {$4.00} XXXX dollars annually. Our Company Bin is XXXX and XXXX XXXX. There has been a complaint filed to our HR in regards to our employees personal credit cards being closed with unjustifiable reasons. 6 of our employees attempted test transactions in order to assist a merchant that was experiencing a technical issue with Chase payment. Coincidentally, all 6 employees credit card accounts were terminated. This also negatively affected their personal credits. Each employee has been contacting the Chase Credit Processing since XX/XX/XXXX, however, no further reviews were granted. The details of this case is attached that includes employees name, card information and the timeline. Employees 1 XX/XX/XXXX Chase Card Processing After Attempting multiple test transaction, Chase temporarily blocked the card Informed by Rep it will work after 24 hours. XX/XX/XXXX Chase Card Processing Contacted due to decline issue. An informed account is under review and will take 10 calendar days XX/XX/XXXX Chase Card Processing Informed by account will remain closed. No valid reason provided. XX/XX/XXXX Chase Secure Message Received email back from XXXX advising to contact Chase Fraud Department XXXX XX/XX/XXXX Chase Secure Message Message suggested contacting the Fraud Department and informed by Fraud Department Chase bank randomly chose the account to close and if they believe that an account is unsecure, they decide to close. Requested for another 2nd review Employees 2 XX/XX/XXXX Chase Representative XX/XX/XXXX Chase Card Processing XXXX XX/XX/XXXX XXXX XXXX walked into Chase XXXX XX/XX/XXXX XXXX Authorized XXXX and opened the case the Reference number is # XXXX XX/XX/XXXX XXXX Chase Branch Esclation Center XXXX # XXXX XX/XX/XXXX XXXX Received a call from XXXX, there is nothing he can do advised to call XXXX XX/XX/XXXX didn't get the name explained again, still declined. Will review again but most likey decline XX/XX/XXXX didn't get the name received a call from number XXXX the final review has finished and the decision is not to reinstate. Advised below address for legal proceedings XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX Chase Checking account was breached. Not sure if this is related. XX/XX/XXXX Spoke to XXXX, Account Supervisor. Explained on going Chase card issue. According to XXXX, the account closure is due to not enough history on file. Provided Senior VP XXXX 's phone number. XXXX received legal address which mentioned above ( XXXX ) Employees 3 XX/XX/XXXX Called Chase and spoke with Customer Service after card was declined twice.They said it was no problem and they would release my account since they confirmed it was me who made the test sales Stated that there should be no issues using the card with any other merchants XX/XX/XXXX Received a statement saying my account was closed and why. " Information obtained from external sources shows potential fraud. '' Called Chase and they just kept reading the same explanation and stated the account was closed and it was final I will be receiving a hard copy of the statement through mail within 2 business days ( still did not receive it ) XX/XX/XXXX Contacted Chase through Secure Message Center explaining the situation and asking for a legitimate reason as to why the account was closed Received a response saying that I need to contact the Fraud Department by phone because they are unable to assist with any inquiries by email I sent a response saying that I have already contacted Chase multiple times through the phone and nothing was getting solved XX/XX/XXXX Received the same response saying that I need to contact the Fraud Department by phone because they are unable to assist with any inquiries by email Called Fraud Department and explained the situation again, then asked for a 2nd review to reinstate my account Will get back to me within 10 business days with the outcome. Employees 4 XX/XX/XXXX * Test sales processed with both cards ( # XXXX & # XXXX ) XX/XX/XXXX * Periodic Financial Review started, found out on XX/XX/XXXX XX/XX/XXXX * With # XXXX, test sale processed again by Retention Team / * Around XXXX XXXX, called Chase ( XXXX ) / rep. told me to call at XXXX next day XX/XX/XXXX * Called XXXX / talked to rep. ( XXXX ) / I was told that currently under reviewing / call back on XX/XX/XXXX XX/XX/XXXX * Called XXXX / talked to rep. ( XXXX ) / I was told that all my accounts are closed, which the decision made by Chase XX/XX/XXXX * Visted Chase Bank near the company with **** XXXX. * Spoke to XXXX, he stated that he will follow up / also report & escalate to his manager XX/XX/XXXX * **** XXXX. was informed by XXXX that he is currently following up the issue XX/XX/XXXX * Sent email through Chase Secure Messages Center with explanation XX/XX/XXXX * Was told to contact XXXX / talked to rep. ( XXXX ) / She said, Chase stated that they won't change the decision XX/XX/XXXX * Sent email through Chase Secure Messages Center to confirm that fraud record will be placed on my credit XX/XX/XXXX * was told to contact XXXX / talked to rep. ( XXXX ) / She stated my credit will show accounts are closed by Chase without fraud record XX/XX/XXXX * spoke to Chase with Vice President XXXX and advised Chase bank will call her back. Employees 5 XX/XX/XXXX Test account Sale XX/XX/XXXX Received Account closed letter XX/XX/XXXX Contact Customer service XX/XX/XXXX credit risk department : XXXX / XXXX, they closed my acct. due to there were many high-volume transactions. They told me to do a review for 10 days. XXXXXX/XX/XXXX Paid off all the balance. XX/XX/XXXX Sent Secure Message : Asking why he was account was closed. XX/XX/XXXX Received a call from Chase Bank, credit risk department : XXXX XX/XX/XXXX Call back to Chase and spoke to XXXX now they mentioned they found out another reason due to test sales. Because of this reason, they are unable to reinstate my acct. back. XX/XX/XXXX Call back from XXXX, they cant do anything. Acct must be closed. | ||||||
| 08/26/2021 | Yes |
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| I took an unusable XXXX rocker to a furniture company for restoration. It was missing the caning and the finish had weathered away. It was to be a surprise present for my mothers XXXX birthday. This was on XXXX. They required a 50 % down payment to start the work, and the remainder upon delivery. The target date was XXXX. The company owner said they could handle the request, and i called in a credit card payment on XXXX in order for work to commence. By XXXX i had heard nothing from the furniture company regarding the status of the rocker, so i called the company and talked to the same representative with whom i had initially left the rocker. He assured me the rocker was on track and would be ready by the anniversary date. I heard nothing else from the company from that point on, and they missed the target date of XXXX. I called on that date and left a message, but was not called back. A payment to the credit card company was due on XXXX. When i had not received the rocker by this time, nor been supplied any proof that work had been started, i disputed the charge with the credit card company. 52 days transpired from the time i made a down payment to the time i disputed the charge. The next month the charge was still on my card, with still no contact from the furniture company. I disputed the charge, again, but the credit card company would not accept on-line dispute this time. This forced me to call the company, which i did on XXXX. I waited, on hold, for 56 minutes to talk to a representative, and completely explained the situation to her. She advised me to send a secure message thru my on-line account. I advised her that i already had sent a message on XXXX and had gotten no response ( save an automated acknowledgement ). She told me to wait for a response, and be patient since Covid had become an issue at the time. I went on a XXXX week vacation the first XXXX weeks of XXXX, and was sent a response on XX/XX/XXXX by the credit card company on what they needed. The problem was they didnt send it via secure message, they sent it to my gmail. They gave me 2 weeks to reply with the info they needed. By the time i got back from vacation, i saw an email saying they had denied my dispute and i owed the money. I went back and found the first email and realized what happened. I still had not heard from the furniture company, at all, and did not have my rocker. I called the credit card company and talked to a representative. While waiting on hold for a supervisor, i was hung up on. I filed a XXXX complaint on the furniture company on XXXX XXXX XXXX # XXXX XXXX. The company did not respond to the XXXX so they closed the case after the required time period. The owner did, however, send me an email saying they wanted to do the rocker for no charge. I provided my credit card company with proof of my XXXX complaint and the email response from the business, and they still insisted that i owed the payment and started charging interest on the amount. I refused to pay for services not rendered. I responded to the furniture company, via email, and advised them that they needed to advise the credit card company that i did not owe the debt, as i was not provided the service as agreed upon. As it turns out the furniture company never started on the rocker ( which explains why no updates/pictures were ever provided ), despite my putting a down payment on my credit card. The rocker sat in their stock room with no work done. Furthermore, they never contacted the credit card company to let them know the debt wasnt owed. The credit card company wound up charging off the debt and sending to a debt collector. I made face-to-face contact this month with the furniture company, and they still had my rocker. No work was ever started on the rocker, and the furniture company could not provide me evidence that the initial down payment had been returned to the credit card company. They have apologized to me, and have agreed to write a letter absolving me of the debt, and agreeing to pay the debt unfairly assigned to me. The problem for me, now, is how to proceed with what the furniture company has agreed to do. I have been unfairly treated by the credit card company, who claimed to have done an investigation, but never provided any details about said investigation. I had an impeccable record with this credit card company, with an unblemished payment history and no history of disputes. My XXXX score was in the XXXX range when this began. Due to the misguided actions of the credit card company, my XXXX has dropped below XXXX. I did my due diligence with the credit card company, sending multiple secure messages from my on-line account updating what i had done. Not once did i get a response to these messages ( only automated acknowledgements ). I was disconnected on, twice, when forced to call them, after spending literally hours on the phone between the 2 calls. I work XXXX hour XXXX shifts and sleep in the day. The credit card company made it extremely laborious and difficult to contact them, and refused to utilize the secure message feature for contact. They have shown no courtesy to the efforts i made to solve this, and ignored my assertions that no work had been proven to be done, as part of the agreement to make a down payment. In addition, they asked for patience in getting a response ( due to covid ), and responded to my initial secure message 4 weeks later. However, they did not extend the same courtesy, giving me only 2 weeks to respond before the denial of my dispute. I was provided no details as to how they came to their conclusion. Now the furniture company has admitted fault and wants to make restitution. I need restitution for the damage to my hard-earned credit. It is disgraceful how i was treated by the credit card company. I will include the letter from the furniture company absolving me of this debt. I am also including several secure messages, sent from my on-line account, to support my stance. I am including a picture of the rocker, taken this month, showing no work done. They have had my rocker for over a year and a half now. Needless to say, my mother did not get her XXXX birthday present from me, and the credit card company, apparently, could care less. | ||||||
| 03/22/2019 | Yes |
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| Action Taken By The Company Between the dates of XX/XX/XXXX - XX/XX/XXXX an individual ( or group of individuals ) contacted Chase Claims and opened multiple claims that reversed payments to creditors authorized by me and then used the credited reversed funds and fees to make unauthorized transactions. XX/XX/XXXX : 1. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed a payment on a personal loan to Pave for {$360.00} from XX/XX/XXXX. 2. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed three payments of {$190.00} made to XXXX XXXX on behalf of XXXX XXXX to pay off a credit card. The date ( s ) of the reversed payment ( s ) occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX 1. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed five payments of {$190.00} from XXXX XXXX to XXXX XXXX to XXXX. The five payments that were reversed from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 2. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed four payments to XXXX XXXX - three payments of {$180.00} and one payment of {$240.00}. The payment dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX 1. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed an authorized HOA payment to XXXX XXXX XXXX XXXX dues. A payment in the amount of {$230.00} was reversed from XX/XX/XXXX. 2. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed three payments made to XXXX in the amount of {$360.00} from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 3. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed two payments made to XXXX in the amount of {$210.00} from XX/XX/XXXX and XX/XX/XXXX. 4. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed two payments made XXXX XXXX in the amount of {$190.00} from XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX 1. Claim # : XXXX An unauthorized claim was made by an individual or group of individuals that retroactively reversed a payment to XXXX in the amount of {$360.00} from XX/XX/XXXX. Two payments were reversed from XXXX XXXX in the amount of {$190.00} from XX/XX/XXXX and XX/XX/XXXX. Two payments were also reversed from XXXX in the amount of {$210.00} from XX/XX/XXXX and XX/XX/XXXX. Finally, a payment was reversed from XXXX XXXX XXXX in the amount of {$230.00}. XX/XX/XXXX Claim # : XXXX I made a claim in the branch that was advised by a customer service representative. This advice was made when I went to close out an account after receiving a phishing email. It was then found that my debit card had been use to make multiple transactions totaling {$2800.00} between XX/XX/XXXX and XX/XX/XXXX Actions I Have Personally Taken To Resolve The Issue XX/XX/XXXX After beginning to receive claims paperwork, I immediately notified Chase claims department. The first claims specialist I spoke with was very rude. She kept badgering me about the final transaction on my account. When I couldn't provide her the information, she to call me back when I had the proper information and hung up. I called back and spoke with a guy named XXXX. I explained the situation to XXXX. He had me verify my last know transaction. After verifying my last known transaction, XXXX took a look at the claims made from XX/XX/XXXX. I advised XXXX that these were claims that I did not call in to reverse. XX/XX/XXXX This was the 2nd call I would make in 48 hours. The claim 's specialist, once again, was very rude. When I called back, I told the claim 's specialist I would like to speak to a supervisor. I was put on hold for 15 minutes. I finally became frustrated and hung up. XX/XX/XXXX This was the 3rd attempt made to ( attempt to ) get help in recovering my money. To get any answers, I had to use a potential review to the XXXX XXXX XXXX about Chase 's claims practices and protocols. I was then transferred to Chase 's Executive Office to escalate my claim. It was at the Executive Office that I spoke with XXXX. XXXX opened Claim XXXX on my behalf. She said once my claim was assigned to an Executive Office employee, that person would contact me at the number on file. XXXX - Mid XXXX My case was assigned to XXXX in the Executive office. We spent roughly 2 weeks before either one of us spoke on the phone - although she had left a handful of voicemails. I first spoke with XXXX on Friday, XX/XX/XXXX. I told her about the multiple claims that were opened against an account I had since closed. She claimed she only received two of the claims against the account. After speaking with me she assured me she was going to " investigate '' all the claims made that were made beginning at the end of XXXX. On XX/XX/XXXX, I noticed multiple payments being deducted from my Chase checking account. In the description, all I saw were numbers. On XX/XX/XXXX, I called XXXX to see why money was being debited from my account. Of course, all I got was XXXX 's voicemail. I left a message requesting a return call. By XX/XX/XXXX, I still had not received a return call. I called XXXX once again because money was still being debited from my account. This time I got a hold of XXXX. Her explanation for the debited funds was a bit odd. She told me that while they were " investigating '' these open claims, money was still going to be debited and there was nothing she could do about it. Finally, on XX/XX/XXXX, I received a voicemail from XXXX to call her as soon as possible. I returned her call once school was dismissed for the day. It was at that point, that XXXX told me they closed their " investigation '' of my claims and decided not to reverse their decision. When asked what research they used to complete their " investigation '' XXXX became short and told me I would have to subpoena the information. At that point, I hung up because I felt that it was a lose lose situation. | ||||||
| 11/01/2022 | Yes |
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| Please reference my previous complaint that has been closed without resolution : XXXX I will copy and paste my previous complaint below for reference. My father passed away XXXX of this year in Texas and left me an inheritance. I currently reside in XXXX XXXX. We ( me and my XXXX other siblings ) decided to sell gold he had through an auction house called XXXX XXXX XXXX, or XXXX XXXX, which is based in XXXX XXXX, Texas. The auction sent me a written check in the amount of {$180000.00}. I went into a Chase bank branch on XXXX to deposit this check. I opened a new account at this time. I provided proper identification and got a receipt from the deposit showing the date the funds would be available for use was XXXX. Early morning of XXXX the funds showed up in my checking account as " available for use ''. I then tried to pay off some bills using my debit card but it was declined and I was told to contact Chase bank. When I called them they informed me my account was under suspension and I needed to provide them with a verified phone number from the company who issued the check. I provided XXXX phone numbers but was told neither of them were on their verified phone number list so they couldn't help me. I asked what my next step is but was told unless I provided a phone number they would not unsuspend my account and it will be closed. I decided to go into a branch and speak to someone in person. I was told pretty much the same thing. The banker told me to try and contact the auction house to attempt to find another phone number, have them try to recall the funds, or the CEO of that company would have to come into the bank with me ( which is unreasonable ). I called the auction company and spoke with XXXX president, XXXX XXXX, and he said since the funds actually left their account on XXXX he is unsure how to help me. He said in the 48 years he has been in business this has never happened before. He also confirmed the XXXX phone numbers I had for him are the only numbers associated with the auction company. I called Chase again and asked to speak to a supervisor or someone higher up. She told me the same thing, that they need a verified phone number or my money will be in limbo indefinitely. She informed me that the suspension actually started on XXXX and that my account will be permanently closed on XXXX and the funds will remain suspended until I am able to prove the legitimacy of the check through a company phone number. I asked if it was possible for them to call the auctions bank and verify these funds were meant to be sent to me. I was told they can't do that. When I asked why she refused to give me a reason and continued to tell me I needed to provide a verified phone number. They are effectively tying my hands behind my back and telling me to figure it out while keeping my money from me. The check has cleared, I see it in my account, and they are withholding it from me and not doing anything to help me solve this. Attached document has what I have found that proves the legitimacy of XXXX XXXX XXXX. When I offered these up to Chase they refused. Chase provided this feedback : " We restricted and closed your account while attempting to verify the validity of your deposit for {$180000.00} on XX/XX/2022, due to the discrepancies in the writing. To release the funds, we must verify with the maker of the check or contact the personal banker of the business at their bank to confirm the check. Any phone numbers we dial must pass our risk tools. We apologize for any inconvenience. For more information about why we may restrict and close an account, please review your Deposit Account Agreement. You were provided a copy of the agreement when you opened the account, or you can see the current agreement on chase.com. It explains that there may be times when we will block your account from use if we reasonably believe that doing so is necessary to prevent a loss to either you or us. '' Firstly : I have been told all of this multiple times on the phone. In fact, when I had called before my first complaint, I was actually told they COULD NOT contact the bank directly, and that it had to be a business phone number. So someone at Chase needs some re-training. Secondly : " We restricted and closed your account while attempting to verify the validity of your deposit for {$180000.00} on XX/XX/2022, due to the discrepancies in the writing. '' the check should never have been cleared and funds withdrawn from the origin account if it is suspected fraudulent. Chase XXXX office is still running me in circles on trying to find a number to XXXX Auction and every time they try a new number it takes days to get an update. The representative said the numbers they have tried has produced static. I keep being told to tell the auction company to respond to their calls. I have repeatedly told them the numbers they are trying for the auction house are not valid numbers and they will not be able to get through. I understand they have a verified system with numbers. However, again, that is proven to not be effective in resolving this issue. I have called them at least 4 times over the last couple weeks and each time they have told me the same thing. There is no resolution. The numbers didnt work etc. When they said in their response " we must verify with the maker of the check or contact the personal banker of the business at their bank to confirm the check. '' they have made no effort to contact the personal banker of the business at XXXX XXXX. I took the initiative to call XXXX auctions myself and get the name and number of XXXX XXXX at XXXX XXXX ( The origin bank of the check ). I have now given them his name and number, but again, its going to be a couple days before I hear back and I will likely have to take the initiative to call. There is XXXX sense of urgency and it is extremely insulting that nobody seems to care but me, even with the large amount of money at stake and me threatening a lawyer. This has gone on for over a month now and they are still holding my money and likely collecting interest on these funds that they assume to be fraudulent. I am not hopeful in an easy resolution so I am submitting a new complaint so maybe someone finally hears me. | ||||||
| 03/05/2023 | Yes |
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| Summary : On XX/XX/XXXX I had a fraudulent charge of {$99.00} in my Chase business checking account that resulted in a {$33000.00} wire transfer scam. Between the fraudulent {$99.00} charge, the {$33000.00} wire transfer, and the {$25.00} wire transfer fee, I have lost {$33000.00}. What happened : On Friday, XX/XX/XXXX at t XXXX EST I received a call notifying me of a fraudulent charge in my Chase business checking account from the same telephone number that is listed on the back of my Chase business debit card ( XXXX ). This followed several previous calls from the same number that morning, as well as a text message claiming to be an Early Fraud Warning. The caller had enough of my personal information and enough insider information to effectively pose as a representative from the Chase fraud department calling to help reverse damages and secure my account after a breach. He could most definitely see when I logged in and out of my Chase banking app. I dont remember the specific information he provided and I provided, but my name, phone number, address, birthdate, the last four digits of my social, last four digits of my bank accounts were confirmed. This included my personal savings, personal checking, and business checking. He instructed me to check my balances and confirm that I had indeed not made the fraudulent {$99.00} transaction at a XXXXXXXX XXXX in XXXX, Florida. I confirmed I had not. He sent me a variety of verification texts as well as an email, which I requested as a precaution to confirm that I was indeed speaking with Chase. In these communications he identified himself as Supervisor XXXX XXXX, agent # XXXX, and that this was case number XXXX. He then induced me to transfer all of my money in my personal checking and savings accounts into my business account, then perform a sequence of steps that he told me were necessary to reverse a fraudulent wire transfer that he claimed had been initiated earlier in the day. This resulted in a coerced wire transfer in the amount of {$33000.00} sent to an individual in Texas. I did not take a screen shot of the wire transfer details before I lost access to my business checking account, but I seem to recall their name was XXXX XXXX and the bank was in XXXX, Texas. In short, I was induced to steal money from myself by a fraudster who had enough of my personal information to make a fraudulent charge, enough inside knowledge of Chase bank systems to pose as a Chase representative, and enough experience to effectively ease my suspicions along the way. What I have done to try and resolve it : Immediately after I got off the phone with the fraudster, I called Chase business customer service at the number on the back of my card ( XXXX ), the number I had just hung up the phone with. I made this call at XXXX EST. I described my recent phone call, naming the Chase fraud department representative I believed I had been speaking with, and indicated the actions I had taken and that I was awaiting the return of my funds. The fact that I had emptied my entire personal checking and savings accounts, transferred the money into my business account, then made a large wire transfer in the span of two hours apparently did not raise any red flags. I was not transferred to the Chase fraud department. I got off the phone with the Chase business customer service representative feeling assured that my earlier interactions with the person who turned out to be the fraudster had been legitimate. It therefore wasnt until the following morning, XX/XX/XXXX at XXXX EST, when I called Chase again at XXXX and was transferred to the fraud department , that I understood that my identity had been stolen, a fraudulent charge had been made, and that I had subsequently been coerced into a wire transfer scam. I understand this delay was crucial. Had I been alerted to the fraud by the Chase business customer service representative I spoke with at XXXX the previous afternoon I may have been able to quickly recall the transfer. I was instructed to update my phone, change all my passwords, go to my nearest Chase branch to freeze my accounts and initiate a wire recall. I was also told that there was no guarantee my funds would be restored. I went to my local branch and was fortunate to work with a banker willing to spend several hours on my case. She secured my personal accounts, closed my business account, and initiated the wire recall, but again told me that there was no guarantee my funds would be restored. She listened as I told her about my experience and wrote and filed a claim on my behalf. Soon after filing the claim, we learned that it had been rejected because I had initiated the wire transfer myself - no matter than I had been coerced, and that the coercion followed a fraudulent transaction, and that my identity had been stolen. The banker also wrote and filed an internal complaint, which I understand is pending but also comes with no guarantee that Chase will take responsibility for this event and that my funds will be restored should the wire recall fail. I hope I am not filing this CFPB complaint prematurely. There is a slim possibility that the wire recall will work, and that the internal Chase complaint will yield some response, but the lack of any guarantee is unnerving. It is clear Chase is not inclined to take responsibility for this financial event, which would not have occurred had my identity not been stolen and the fraudulent transaction not taken place. The loss of {$33000.00} dramatically impacts the choices I can afford to make, such as whether to buy a house and have a baby. As a XXXX, I have grown up with online banking and successfully navigated and discriminated between real and fraudulent activity. I understand it requires vigilance, and that banks rely on customers to remain alert and to report fraudulent activity. I tried to do so by calling Chase back immediately after the incident, and it shakes me deeply to hear from Chase that the burden is on me for a fraud that I ( and apparently they ) could not perceive. I deeply regret opening my business account last year, now that I understand the amount and caliber of fraudulent activity Chase small businesses customers face. | ||||||
| 07/11/2023 | Yes |
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| On XXXX we filled a claim with the Chase Claims Department regarding a purchase my company made where we were victims of fraud. We attempted to purchase a XXXX XXXX XXXX XXXX from a website called XXXX on XXXX for {$290.00}. XXXX XXXX accepted our money and sent us a correspondence the following day XXXX through the XXXX XXXX with a tracking number from XXXX ( XXXX ). On XXXX we received another correspondence from XXXXXXXX XXXX and the XXXXXXXX XXXX that allegedly our package had arrived to my address and that XXXX had confirmed this. To my surprise there was no package at my address. I looked up my tracking number through XXXX and it also said my package was delivered. The zip code it says it was delivered to was XXXX, my zip code is XXXX. I clicked on the proof of delivery picture and it was six huge boxes in front of a garage door that said live plants on the boxes. The package had also come from Maryland when XXXX XXXX claims they are based from XXXX XXXX XXXX. The XXXXXXXX XXXX said the package associated with that tracking number was being delivered to my address they had on file. When I contacted XXXX, they said the company that sent that package was XXXX XXXX from XXXX, MD and they sent that package to someone in the XXXX zip code. XXXX also stated my name, address, and company name were not associated with that tracking number provided by XXXX XXXX or the XXXX XXXX. I attempted to email their customer support and noticed that their email for their company name was spelled incorrectly. Their email was XXXX '' Instead of XXXX. There was also no customer support phone number to call. I wrote a correspondence via email to them letting them know the issue with no response from their company. I also attempted to contact them through the XXXX XXXX with no luck or response from XXXX XXXX. I then looked at my Chase Business Checking Account and realized that I was charged by a company named XXXX XXXX XXXX for {$290.00} and not XXXX XXXX from XXXX XXXX XXXX, New York like what was stated on their website. This is when I realized that we had been scammed. I then contacted the Chase Claims Department on XXXX and provided the Chase Claims Department with this information to file a claim. I then received a correspondence from the Chase Claims Department on XXXX stating Dear XXXX XXXX XXXX XXXX We completed our research for the transaction ( s ) you reported on XX/XX/2023. Here 's what you should know. We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$290.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research. I called the Chase Claims Department and spoke with a representative named XXXX on XXXX. XXXX could not provide me with any information that Chase Claims Department used for their research. He told me I needed to fax the Chase Claims Department with evidence that I was defrauded. On XXXX I went to my local chase branch and explained my issue to my business representative there. She helped me get in contact with a representative from Chase Claims Department and we faxed all of the evidence to Chase to prove I was defrauded. On XXXX I received another correspondence from the Chase Claims Department stating the exact same thing I had received on XXXX Dear XXXX XXXX XXXX : We completed our research for the transaction ( s ) you reported on XX/XX/2023. Here 's what you should know. We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$290.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research. On XXXX I reached out to the Chase Claims department to find out why my claim was not ruled in my favor and to see what evidence that XXXX XXXX had provided. The representative told me that Chase and XXXX were able to get into touch with merchant and that the merchant had " significant '' evidence against me such as tracking numbers and proof of delivery. When I asked Chase to provide me this information they refused my request. When I asked them to actually look at my evidence, they informed me that my case was closed by XXXX and Chase and that they will not look at any evidence I provided or reopen my case. I was then told to contact the merchant to resolve this issue. I informed them that the merchant has not responded to any of my correspondence to them and that their website was deactivated, they were removed from the " XXXX '' XXXX and that they never had a phone number to provide in the first place. I then asked the Chase representative to provide me with the information they used to contact the merchant to which they refused my request. I then asked to speak to a supervisor at Chase who also would not help me and refused my requests. The supervisor also informed me I could not reopen my case and that " there was nothing I could do about it. '' I then attempted to contact XXXX who just forwarded me back to the Chase Claims Department. I then called my Chase Local Branch in XXXX at XXXX and informed the Branch Manager of the issue I was having and to see if they could intervene since their Business representative had seen my evidence and had agreed with me that my company was a victim of fraud. The Branch Manager informed me there was nothing that her branch would do to help me and that if the Chase Claims Department said that my case was closed that there was nothing I could do but call the merchant to resolve this issue or discontinue my business with Chase Bank. On XXXX I filed a Police Report with the XXXX Police Department because my company, Chase, and XXXX were all defrauded by " XXXX XXXX '' I have attached the police report to this complaint. | ||||||
| 02/14/2023 | Yes |
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Web | Older American |
| TO THE CONSUMER FINANCIAL PROTECTION BUREAU I am not treated fairly by Chase Bank. I am a victim of bank fraud. I own a Checking account. I submitted an application to a loan company who looked legal name XXXX XXXX XXXX. There are numerous offices in the United States. The loan was approved for {$7000.00}. The loan company asked for personal information my checking account number and routing number. The crooks name XXXX XXXX and XXXX XXXX said on the telephone in order for the loan company to deposit funds I must submit the bank information. I never requested a loan online. I do not know what the procedures are to receive a loan. XXXX said before he makes a big bank deposit he must be certain that I am XXXX XXXX and the Checking account is legal. He said he was depositing a small amount of money {$1000.00} - {$2000.00}. I would then go to the XXXX and purchase XXXX XXXX gift cards and return the money he submitted into my Checking account. I purchased the XXXX XXXX gift cards. He said to purchase a {$500.00} and a {$450.00} XXXX XXXX gift cards. He asked for the numbers on the back of the cards. One hour later he said he was making the {$7000.00} loan deposit. He then said there was a problem with the XXXX XXXX cards to purchase two more XXXX XXXX cards. {$480.00} and {$490.00} XXXX XXXX cards. I purchased the cards. The total amounts for the gift cards are $ XXXX XXXX XXXX said there are no refunds on XXXX XXXX gift cards. When I returned home from the XXXX I checked my Checking account because the funds were available to purchase the XXXX XXXX gift cards. I had {$13.00} in my Checking account so I thought XXXX XXXX the XXXX deposited funds into my Checking account to purchase the Game Stop cards. I receive a Social Security check each month. He asked me if I owned a car. He also said don't behave too needy when I go to the XXXX to purchase the gift cards. I thought his comments were strange. I looked at the Checking account and I was shocked when I saw adjustment/reversals in my Checking account on XX/XX/XXXX of payments I sent to the Landlord and to the Stores in XX/XX/XXXX. The amounts were credited to my Checking account. A total of {$3000.00} adjustment/reversals by Chase bank without my authorization and consent. The crooked fraudulent loan company called the Claims Department and reversed numerous payments I sent to merchants on XX/XX/XXXX. The crooked loan company never deposited funds in my Checking account. It was wrong for Chase bank to make adjustment/reversals into my Checking account. The crooked loan company called the Claims department. How can payments be reversed by so many merchants in one day. That was a red flag. The crooks reversed payments I sent to the Landlord for {$2000.00}, a XXXX XXXX XXXX XXXX for {$660.00} and {$270.00} for a XXXX tree purchase at XXXX XXXX XXXX. I asked Chase Bank to return the money to the merchants because the amounts I paid in XX/XX/XXXX and XX/XX/XXXX was taken from the merchants. Chase Bank refuses to return the {$3000.00} XXXX to the merchants. Chase Bank is also not returning the Checking balance that is owed to me. I am going to attach my Checking account information. On XX/XX/XXXX Chase Bank was sneaky and did adjustment/reversals for a total of {$3000.00} that I paid to the merchants in XX/XX/XXXX and XXXX XXXX Bank should have XXXX XXXX measures on who is filing claims to reverse payments sent to merchants one - two months ago. There should be voice recognition to check who is calling to file false claims. The loan company who filed false claims was crooked. I REPORTED XXXX XXXX XXXX XXXX XXXX TO THE FBI. I AM GOING TO ATTACHED THE FBI REPORT AND A COPY OF MY CHECKING ACCOUNT. IT IS A FEDERAL CRIME TO DEFRAUD A BANK. The Chase Bank adjustment reversal of {$3000.00} should have a deduction of {$1900.00} for the XXXX XXXX gift cards of {$1900.00}. The crooks requested the XXXX XXXX gift cards. I went to the XXXX to get a refund. The XXXX said there is no refund on Gift Cards. The {$1900.00} is for me to pay the rent. I pay {$2000.00} per month. The XXXX and Chase Bank is not refunding my money. I am late paying the rent because of Bank XXXX. I am going to be evicted. {$1900.00} for the XXXX XXXX should be deducted from {$3000.00}. I should receive the {$1700.00} balance. I should receive a {$590.00} Social Security amount that was sent to my Checking account as a direct deposit on XX/XX/XXXX. Chase Bank wants to keep my money. I am looking for work. I am retired on Social Security. It is not fair what the bank is doing to me. I am hard of XXXX and I care for a dog who is almost XXXX. Chase Bank makes thousands of dollars in profits and wants to keep my money. On XX/XX/XXXX a company deposited a check for {$110.00}. I do not know the company who deposited the funds into my Checking account. I asked Chase Bank to return {$110.00} check to the company who deposited the check on XX/XX/XXXX. On XX/XX/XXXX the bank placed a debit XXXX check charge for {$690.00} and another debit XXXX check charge for {$930.00}. Chase Bank will not explain what is a debit XXXX check charge for the specified amounts. The only amount I see that Chase Bank returned to the Merchant is for {$270.00} at XXXX XXXX XXXX when I purchased the XXXX tree in XX/XX/XXXX. My Checking account has a negative balance of {$270.00}. Chase Bank made a mistake. It is not the right amount. It should be a {$1700.00} check sent directly to my condominium. Bank XXXX at the XXXX Department happened in XXXX day, XX/XX/XXXX. I must pay the XXXX. I can not be evicted. I have no place to go. I live in my condo for almost two years. I am going on an interview in XXXX to work for the XXXX. There is another company who is looking for remote work. I wish to continue living in my studio condo. I should receive a balance check of {$1700.00} sent to my home. Chase Bank and the crooked criminals should not get away with Bank Fraud. I am attaching the required documents for you to review. I hope the CFPB and the FBI resolve the Chase Bank XXXX account issue. Chase Bank wants to keep my money. I would like to know the results of the investigation. Thank You. XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/22/2018 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX Dear Consumer Financial Protection Agency, We are extremely unhappy with the Chase Bank Credit Card disputes department. Below is a chronology of our unresolved dispute and their collusion with XXXX. The Nevada Attorney General suggested we should contact you. On XX/XX/XXXX, we received our first dispute acknowledgement from Chase Card member Services that was filed on the website. We returned a letter via fax the same day. On XX/XX/XXXX we received a letter from XXXX XXXX, Customer Service Senior Specialist II, saying our request was denied and we should make payments. We continued the dispute and on XX/XX/XXXX XXXX XXXX saying, Further correspondence from you will be reviewed, placed in your file, but no response will be sent. Subsequently, We paid the balance in full, not wishing to incur finance charges or mar our excellent credit. We contracted with XXXX XXXX XXXX XXXX to void the contract and were told to discontinue paying any fees to XXXX until the matter was resolved. On XX/XX/XXXX we were released from the deed. Having been released from the deed, on XX/XX/XXXX we reopened our dispute in light of the violation of Nevada Timeshare laws and the closure of our unused timeshare. Despite sending the documents by registered mail, on XX/XX/XXXX, we received a letter from Chase Customer Service Specialist XXXX XXXX XXXX saying Chase could not locate the transaction information and that the request was closed. On XX/XX/XXXX we spoke with XXXX about the XXXX letter from XXXX assuring us the dispute was still active. On XX/XX/XXXX XXXX and XXXX in a phone call told us it was received XX/XX/XXXX and was still under review as of XX/XX/XXXX. On XX/XX/XXXX we spoke with XXXX in a recorded message, who stated that it was sent to MasterCard for review. He said he had no way of contacting them and made reference to Quality Control Back Office. He also said since it was a timeshare dispute, it would take longer. On XX/XX/XXXX XXXX in Chase Disputes, told us he had no idea why it was taking so long, and that they had received the dispute documents in a packet sent by registered mail dated XX/XX/XXXX, which was sent to MasterCard for review. On XXXX XXXX, XXXX called us and asked if we wanted to reopen the dispute. On XX/XX/XXXX, we called Chase disputes again hoping there would be a positive resolution. We were told the case was closed, and that they had never received any additional material, which contradicted the XX/XX/XXXX information provided by XXXX. But in checking the notes about the above-mentioned calls we were told there was No timeframe for contact because they had no way of contacting MasterCard Timeshare. A supervisor was summoned, as XXXX assured us the notes were saved. XXXX, the supervisor, reviewed what he had in front of him and said, We have exhausted all opportunities to resolve a payback. We do not have the ability to assist anymore. In response to our question, hoping for a positive resolution, When did they reach this inability? XXXX responded, In XXXX. Since there was no change, there was no need to contact us. The customer has no way to contact the MasterCard timeshare, but at this point there is no way we can help you. On XX/XX/XXXX we received a letter from the Michigan Attorney General in response to our filed complaint for our case number XXXX with an enclosure from XXXX saying Upon review of our records, we DO NOT SHOW to have received a dispute from Owners banking institution, however, IF IN THE EVENT WE DO RECEIVE THE DISPUTE, we will respond accordingly to the same. How could this dispute process NOT have included XXXX who should have received numerous contacts from you or the MasterCard Timeshare Disputes or Re-disputes over the past 3 years in response to our repeated disputes and re-disputes? As mentioned above and attached, the response letter from the Michigan Attorney General had NEVER received a dispute from Chase Bank. On Thursday, XX/XX/XXXX we received a call from Chase RE-disputes while we were driving, asking, Do you wish to continue the dispute? We communicated with the representative ( XXXX? ) that we indeed DO wish to continue the dispute. We are filing a complaint with the Nevada Attorney General containing the information submitted to you in the XX/XX/XXXX letter/packet. We are expecting a positive outcome, and a complete refund for a timeshare that we never used and were sold using fraudulent practices directly violating the Nevada Timeshare Laws. ( 3 charges to XXXX XXXX XXXX on XX/XX/XXXX -- {$580.00}, {$1000.00}, and {$9700.00}, for a total of {$11000.00} charged to our account ending in XXXX ). Thank you for doing your job and following this through to completion. The above was sent on XX/XX/XXXX faxed from a chase office and sent via their dispute website message center. On XX/XX/XXXX we received this communication from the Chase message center. XXXX XXXX From : Chase Card Services Subject : Re : Request Update on Existing Dispute Message : Dear XXXX XXXX XXXX, We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. WE MAY NEED MORE INFORMATION FROM YOU? If we request additional documentation, please provide it at your earliest convenience. This will help us resolve the issue. IF THERE ARE ADJUSTMENTS TO YOUR ACCOUNT? If we make any adjustments to your account, you'll receive a letter explaining them. You'll also see the adjustments on your billing statement. Sincerely, Customer Service Specialist XXXX We received no further communication, so on XXXX we called the above number and XXXX said that on XX/XX/XXXX, it was sent to the timeshare department ( Which she says they can not contact, nor can we. ) She also said ( in a recorded conversation ) we should re-submit the documents that were faxed so that they were readable-which we did today, XX/XX/XXXX, at the Chase Bank, XXXX office. We also re-submitted the documents through the Secure Chase Message Center. If you need any further documentation, please let us know. Thank you for any assistance you can provide. Sincerely, XXXX XXXX and XXXX XXXX | ||||||
| 11/30/2018 | Yes |
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| I am the victim of unauthorized electronic withdrawals from my checking and savings accounts with Chase Bank ; I contacted the bank XX/XX/XXXX immediately after discovering these withdrawals, which had taken place over the previous fourteen days. In addition another six unauthorized withdrawals had been taken from my savings account. Because these earlier transactions were beyond the 60 day timeline in which Chase would be held liable for the loss, Chase refuses to investigate the recent XXXX savings withdrawals ( totaling {$25000.00} ). They insist I sign a document listing all unauthorized withdrawals but list only the transactions from the earlier timeframe, none from XXXX. How can I sign a legal affidavit that asks for all unauthorized transactions when they dont allow me to include the XXXX transactions? Chase is unwilling to investigate the entirety of the electronic thefts and recover these funds after numerous requests. Timeline below : On XX/XX/2018 I discovered unauthorized electronic transactions to my personal checking account. I immediately called Chase to report these electronic withdrawals and was informed that they would be freezing this account. Not knowing how the intrusion happened and knowing all my Chase accounts are linked, I began checking all my other accounts and discovered unauthorized electronic transactions in my savings account. I alerted the Chase representative I was l on the phone with of this. I was then told they were freezing all my accounts, not just the checking, and would be receiving a letter from Chase listing the disputed unauthorized transactions for my review and verification. I was instructed to visit a branch office as soon as possible regarding the situation. On XX/XX/2018, I visited to my local Chase branch in XXXX, NV to begin the process of closing/reopening accounts. While there, bank representative XXXX XXXX worked with me and obtained the letters for the two impacted accounts ( personal checking and savings ). We discovered together that the letter regarding the savings account failed to include all the unauthorized electronic transactions in XXXX ( starting with a trial debit and credit to XXXX on XX/XX/18, electronic transfers and payments to XXXX on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and an online payment to XXXX XXXX on XX/XX/18 ). Ms. XXXX advised me not to sign and return anything that was incomplete. I then called my Chase private client banker XXXX XXXX ( at the XXXX, NY branch ) who concurred. Ms. XXXX then called Chases fraud claims office to advise of the missing transactions on the report ; the fraud claims office told her that they would not be revising the letter with the addition of the XXXX transactions. Ms. XXXX then requested to speak with a supervisor, and was passed to XXXX who repeated that they would not make any changes to the letter ; before hanging up, Ms. XXXX handed the phone to me and XXXX repeated directly to me that they would not change the letter. We pointed out to him that the transactions in XXXX differ from earlier transactions and should be two separate claims, but he replied that he would not consider that. We requested to have this escalated to executive office. Ms. XXXX advised me I would be contacted by executive office. On XX/XX/XXXX I received a call from XXXX at Chases executive office who gave me her contact info, advised that she was assigned to this case and would contact me with further questions if needed. The next day I phoned XXXX at the number she gave and left a message asking how I should proceed regarding the letters I received with the incomplete unauthorized transactions. I did not hear back from her until XX/XX/XXXX at which time she said I needed the sign letters to continue the process. They would not include the XXXX unauthorized transactions in my savings account since they were more than 60 days after the first set of unauthorized transactions. I asked her how/why did she think the two were related, that the XXXX savings and checking transactions seemed more related ( pattern of testing account with trial debit/credit, ID # s, etc.. ) than the earlier savings transactions but she kept to the script and would not respond to my observation or my question of why Chase was not investigating these transactions since they went into identifiable accounts at other financial institutions. I also asked how I could sign a document that asks me to list ALL unrecognized transactions in my account but which Chase will not list fully? I was told that if I did not sign the form ( listing only 6 of the 13 transactions ) I risk all claims/transactions being denied. I feel I am being coerced into signing something that differs from Chases own written terminology in the letters they have sent. There have never been ACH debits initiated from my savings account nor EXTERNAL payments or transfers from this account prior to the fraudulent transactions. A critical point that must be stressed here is this activity was HIGHLY unusual and suspect for this account ; it should have triggered Chase fraud alerts immediately. These payments were made to financial institutions and vendors I have no history or transactions with EVER. The sheer size, frequency and type were significant factors that should clearly have been flagged by any electronic banking security system, especially Chase, who advertises their top in class fraud prevention. Chase branch personnel have repeatedly assured me that the bank has state-of-the-art fraud protection software and security systems in place to monitor unusual activity, yet Chase never alerted or contacted me in any way to confirm I was making these unusual and unprecedented external payments and ACH debits. It bears repeating that there had never previously been any external payments from this account. At the very least, this highly unusual activity should have been flagged on the banks internal suspicious activity report. It is clear Chase has acted irresponsibly, perhaps even negligent in the way they have handled these accounts. Chase has a fiduciary duty to protect the assets they hold. This is an enormous failure by Chase and a breach of the fiscal guardianship they promote. | ||||||
| 08/14/2022 | Yes |
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| Victims Statement of the Rental Scam on XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX I found XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX listing for rent from apartments.com and messaged the agent/owner via apartments.com. The landlord later sent a text message to my phone number and set up a date and time to look for the House. But on our way to see the House, the landlord informed us saying the above property is already rented and he has another condo for rent and asked us to come to the address XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After we arrived at the location the landlord opened the door remotely using the " XXXX '' app and me and my husband were able to see inside of the apartment. After seeing the apartment, we wanted to reserve hence contacted the landlord with the given phone number ( XXXX ) and was asked to transfer money using XXXX and gave an email address associated with the XXXX account ( XXXX ). I sent the security deposit along with the application fee totaling {$1600.00}. ( {$1500.00} for the security deposit + {$100.00} application fee ). Thereafter a link was sent to start the background check process where both myself and husband 's social security number, copy of the front and back of our drivers license and recent pay stubs to verify the employment were submitted. After a few hours, a lease agreement was sent via email ( XXXX ) to read and sign, which we did. Per the agreement, paid the first month rent of {$1800.00} before moving in XX/XX/XXXX through XXXX. For this transaction the landlord notified us to use a different XXXX account since the previous XXXX account was used by his wife. The email address associated with XXXX was " XXXX ''. So after transferring the XXXX month rent of {$1800.00} the landlord agreed to have everything ready for the move in, on XX/XX/XXXX and mentioned a cleaning crew will be present to fix any potential repairs and to clean the house. On XX/XX/XXXX we arrived at the condo, but was unable to open the door using the " XXXX XXXX '' '' app due to a server connection issue and called the landlord saying that we were waiting outside. He then replied, the cleaning crew is on the way to the location. After XXXX hours since no cleaning crew arrived we called the landlord again and he mentioned that the cleaning crew had an accident and XXXX member was taken to the hospital and they won't be able to come to clean the house. I mentioned that life is more important than this and hope the person taken to the hospital makes a full recovery. I asked whether we could move in the next day which was XX/XX/XXXX, and he said the remaining crew will be able to come by on XX/XX/XXXX. I received a text message in the morning saying his ( XXXX who goes by XXXX ) lawyer is at the insurance company and we need to pay a fee of {$700.00} which includes HOA and paperwork fee. Since I was staying outside the condo on XX/XX/XXXX the XXXX XXXX XXXX XXXX has seen me and has inquired about the potential tenant. I mentioned that the initial agreement we signed did not have any clause or mention about any HOA fees, so why do I need to make this payment right now. He said, he can't just let me have the keys without the presence of the lawyer. I further mentioned that then you ( landlord ) pay the lawyer and once I get the key I'll make the payment to the lawyer. He was very adamant and told that if we don't send the money to the lawyer then the paperwork will be delayed. I told him at this point everything seems to be very sketchy and asked him for his ID, which he gladly provided. All the communications we had were through calls and text messages and I want to mention that we have not physically met him since he mentioned he lives in Arizona. After receiving the picture of the Drivers License we proceeded to transfer {$700.00} thru XXXX with an associated email address he provided ( XXXX ). After arriving at the location for the second day ( XX/XX/XXXX ) waited XXXX hours for the lawyer but no one showed up. At this point I was very annoyed and texted him that he has breached the agreement which states that we can move in on XX/XX/XXXX but since it looks like we are even unable to move in today ( XX/XX/XXXX ) you have XXXX options. Either cancel the agreement and refund our money back or amend the lease and put a new move in date. That was the last text I sent him and thereafter we were unable to reach him through his mobile phone numbers. I was getting an automated message stating that the number has been disconnected. These are the XXXX numbers that the scammer has provided ( XXXX and XXXX ). We have informed the XXXX Police and Social Security Office about this incident. Since the social security number and drivers license along with pay stubs were provided to the scammer for the background check, we are expecting all of our financial information and data have been breached/compromised. ( Social Security Allegation XXXX ) We then contacted XXXX to find out who's the real owner of the condo and XXXX 's XXXX agent informed us that both the properties mentioned above have been sold by the previous owners to opendoor.com. Upon contacting opendoor to to file a case they failed to provide us their legal teams contact information. Also we have noticed that there were XXXX EDD profiles ( XXXX, XXXX, XXXX and XXXX ) created using the email addresses the scammers provided us, and XXXX of the email addresses were used to transfer money through XXXX ( XXXX, XXXX, and XXXX ). We contacted Chase bank and reported about the rental scam, chase temporarily transferred {$3400.00} and notified they will conduct an internal investigation to determine whether we are eligible to get the money back since the money was transferred through XXXX. On XX/XX/XXXX XXXX notified that after the investigation it was decided that the money transfer was intentional therefore they would reverse the money from my personal account. ( Chase Claim No : XXXX ) I contacted XXXX and mentioned about this incident stating there's a huge flaw in their product ( XXXX ) since there's no consumer protection against scams and fraud. The customer server representative put on hold and never got back to me. | ||||||
| 03/28/2019 | Yes |
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| On XX/XX/XXXX, I signed a contract for a timeshare/vacation club with a XXXX based company doing business in XXXX. The next day, XX/XX/XXXX, I tried to use the benefits that I was told that I had and was told that the customer service agent didn't see said benefits. I knew that I had a 5 day window to cancel so I tried again the next day, XX/XX/XXXX, to no avail. On XX/XX/XXXX, I went to the sales office and requested to cancel the membership. I was told that they could not because they have no consumer cancellation clause within their contract. On the same day, XX/XX/XXXX, I went on the membership page top contact customer support in order to get email information of speaking with someone to handle cancellations. I was given various email addresses to which I sent the cancellation request to each. On the same date, XX/XX/XXXX, I received a reply stating that someone would contact me within 72 to discuss. From there, I contacted Chase, the issuer of my credit card, to file a dispute. On that call I asked if I needed to provide anything and was told that if anything was needed that someone would contact me. About 31 days later I received a call from a dispute rep stating that they were handling my account and they asked for clarification on the case which I provided. I had not heard anything else until XX/XX/XXXX when I received a call from a customer support specialist named XXXX who advised me that Chase had found the charge to be valid. I was dumbfounded. I asked for explanation and she told me that the merchant mentioned not receiving a request for cancellation, as well as, the contract not have a consumer cancellation clause. From there I told XXXX that the law within the jurisdiction that is mentioned in the contract states that a consumer cancellation clause MUST be included in any timeshare/vacation club contracts and that the company committed fraud. I also explained that I had proof that I provided the merchant with a cancellation request. She suggested that I send a request to reopen the case one the actual document was received in the mail. On XX/XX/XXXX, I received the notice from Chase in the mail once I got home from work and immediately sent the request to reopen the case to the email address provided, along with documents labeled " Chase Document, '' Exhibit A, '' Exhibit B, '' and " Exhibit C '' for review. I called to see it the documents were received and was told that they were not and to wait a few days. I did and called back but still nothing so I resent the info. Waited and still no word. I sent it again and two days later, the documents were in my file. From there I wanted for a status but got nothing. On XX/XX/XXXX, I called to obtain a status update and was told that it was solved and that they deemed the charge valid again. I asked for the reason yet again and was told that the notice cited " no new information that could be used. '' This confused me since everything that I submitted was new and the laws are clearly outlined and highlighted so no one had to search for anything. I asked to speak to a manager and was transferred to the disputes supervisor, XXXX. XXXX was rude, overtalked me and when I asked her to slow down so that I can understand her and ask specific question, she got frustrated and even more rude. She informed me that my cardmember agreement states that I have 60 days to file a dispute for errors on my account and that those 60 days had passed. I explained to her that I filed the original dispute 3 days after the charge was made. She responded stating that the time does not stop once I file the dispute so it is pass time to compel the merchant to return the funds. I mentioned to her that it was over 90 days before the original dispute was resolved and that I was told that I can request to have the same case reopened. She was frustrated and so was I. I hung up and called back hoping to speak with someone new. The original representative transferred me right back to her and she was even more rude than before. I asked for the number to a corporate office and was denied, I asked who I could speak with that was above her and was denied. I asked is there anyone that can explain the reasoning to me and was denied. I then asked XXXX if the 60 day time period that she told he has lapsed, was mentioned in the notice. She would not answer directly and finally after some back and forth she mentioned that it was in the notes and not the notice. I then called Chase customer service and asked if there was a way to escalate my plight and was given an address and email address. Once I arrived home, I did some research on this 60 day clause mentioned by XXXX and found that I actually have 60 days after the billing cycle to file. I did so before the billing cycle on XX/XX/XXXX ( Billing cycle ended on XX/XX/XXXX ). I also found that, according to the Federal Trade Commission ( FTC ), Chase has to resole the issue within 2 billing cycles, not to exceed 90 days. Chase took 3 billing cycles ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The notice that I received on XX/XX/XXXX from Chase is dated XX/XX/XXXX ( 92 days since my original complaint. According to the FTC website, ( XXXX XXXX XXXX ), " The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' It also states that, " Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period. '' I believe that due to both the merchant, as well as, Chase not following regulation, I should be refunded the {$15000.00} charge that was initiated on XX/XX/XXXX. I have attached all documents for review. | ||||||
| 07/16/2020 | Yes |
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| On XX/XX/XXXX, I started an account with Chase bank. I opened the account at my local branch. I received my debit card in the mail and believed everything was fine. I attempted to use my debit card on Sunday XX/XX/XXXX, and received a message from the atm that the transaction could not be processed. I went back to the local branch that Monday and discovered that the account was being closed per the bank 's decision. The banker contacted the corporate office and was told no reason could be provided. The banker provided me the number he called so that I could get additional information. I called Chase at XXXX XXXX XXXX XXXX and was placed on hold about 45 to 50 mins. I had a 30 minute conversation with the representative about how he could not release the reason I was denied a checking account. I asked my fiance to speak with him and explain it to her. He also advised her both Chase, and a customer can terminate banking a relationship at will. No explanation is needed. The funds would be returned via check to the mailing address after they verify where the funds in the account came from. There may be some conditions that need to be met to receive the money back. My fiance asked how is it possible that the bank is able to close the account and hold the money as ransom until I perform their required actions? He confirmed the statement that conditions may have to be met before the money is released. I requested to speak with a supervisor. After being on hold for an additional ten minutes, the operator stated he could no longer hear me and hung up the phone. We called back again and spoke to XXXX. She confirmed the same thing. In addition, she advised that Chase had notated the account to never offer me a checking account and never do business with me. If I join my fiance 's Chase business account, then her account will be restricted also. She advised that once the account was formally closed, then a check should be issued and mailed to my mailing address if there was no issues. She did not see any issues at the time but if there was a condition I would be notified. I have no idea why they would take this position. This is my first checking account ever with any bank. I don't have any negative XXXX XXXX records. I only have one credit card that I opened recently. There was nothing I could do but wait and see if they would issue the check readily according to XXXX. I called to check status on XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX told me I have to prove I have a business to obtain my funds given to me by the SBA. This is not their place. The SBA has deemed me worthy of being approved to receive a loan and has disbursed my loan proceeds to the bank of my choice. The bank I chose has decided to scrutinize me and question the legitimacy of my funds that came as a direct deposit from a government entity. How does this bank have the right to hold my money as if I submitted an application to Chase for the funds? Is it appropriate for the bank to add another level of screening for money that was promised by Congress to be given in a timely manner to assist businesses and families? Went to bank at XXXX with my fiance. Met with XXXX. XXXX was the one who opened the account and didnt understand why Chase was doing what they were doing.He immediately called the chase number to find out why the account was shutdown. He was on hold for 1.5hours before someone came on the line and as soon as XXXX picked up, the call was disconnected. XXXX offered to call back and allowed us to leave. He advised he would call us when the follow-up call was over. We went back to the bank at XXXX to follow-up. Chase fraud dept told XXXX there has been some fraud with bank accounts and the sba. I asked why did I have to show that I was in business if the sba is the one who originated the loan. Wouldnt the sba have the right to recall the loan and enforce punishment if I didnt meet the requirements? Why is Chase making me qualify for money that I was already approved for? Neither XXXX or the fraud department could answer these questions. They continued to request proof of the business, saying a business loan usually does not go to a personal account. It was also stated that most businesses have an ein. I advised I am a XXXX XXXX and that I file taxes using the 1040 form. Reluctantly, I supplied a copy of my 1040, my sba approval, and my XXXX paperwork. XXXX The teller XXXX called and said there was nothing further he could do. I would have to call Chase fraud department again and ask to speak with them to find out the next requirement. I called again and held for 1.5 hours and spoke to a woman for a short time explaining that I needed to provide a letter from an attorney or cpa sproving I have a XXXX. I had my fiance talk to them so they can explain the exact wording because I didnt understand. As my finance asked what was wrong with the previous paperwork, the Chase operator stated it had information that was handwritten. She advised that none of the paperwork was handwritten and that their CHase rep XXXX wrote on it to identify who the paperwork was for. We wrote nothing. As my fiance began to question more about what the requirements were, the Chase rep hung up. We called back again and asked directly for a supervisor. We spoke to XXXX and she told me that I did not qualify for the funds. The funds are not intended for XXXX XXXX. Chase will likely not return the funds to me. The only way I could possibly get the funds back is if I turned in a letter from a cpa that I have a XXXX and since I do not, then I wont get the money. Asked her to explain this to an attorney. I give my permission for her to speak to a third party on my behalf. She said no. I said I did not retain him and that I asked the attorney to speak to them so that I may understand what I need to get the funds. She said no and kept asking me if she was speaking to me. I didnt understand why she asked me that several times. Then as I continued to ask questions and ask her to speak with my attorney associate, she hung up. No explanation. I attached the SBA requirements to this complaint. I retrieved them from the SBA website. | ||||||
| 08/01/2020 | Yes |
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| I am a US citizen and between XXXX XXXX and XXXX. In XXXX I reported a problem with a steam leak in my NY apt to XXXX XXXX in XXXX that came from the heating unit. They sent someone to service it on XX/XX/2020. The apt was unoccupied .A few days later my son went for 1 day to the apt and found the technicians of XXXX had left the unit turned on despite knowing the apt was unoccupied, and this caused black soot to be released all over the walls and windows around the unit. He turned off the valve and cleaned the soot but was unable to sleep in the room. I telephoned XXXX to return because they had not repaired the unit and I complained about having left the unit on. They sent someone again on XX/XX/2020. The apt was unoccupied. About 5 days later a neighbor reported to the super a whistling sound coming from the apt and on entering found the entire floor soaked in water. Hundreds of thousands in damages, 28 paintings had to be sent to restore, carpets/upholstered items/curtains/sofas/lamps all had to be replaced. They had left the unit on again despite knowing apt was unoccupied. I called and wrote and they only responded once denying responsibility and I never heard back again despite writing many times. Despite this, they charged my credit card for the 2 visits {$850.00}. I had to fly from XXXX to NY to work out the damage. This was first week XX/XX/2020. I called VISA to say not to accept any charge.however they said nothing could be done until the charge was presented and passed on my card. Due to the Covid and lockdown we had to return to XXXX XXXX the second week XXXX and were unable to travel after this. While I previously was in NY every 5-7 weeks, I have not returned since XXXX due to obvious reasons, aside from I am unable to occupy the damage due to the damage. Despite this as soon as the charge passed on my card, I filed a dispute. I heard nothing from VISA. I called a few weeks later and they said to just deduct it from my card each month, they did not remove it temporarily for some reason. I heard nothing and about 3 weeks later telephoned again ; they said it takes around 3-4 months to resolve a dispute. In the meantime I received not one response on the status from VISA. I then started to write them through CHASE online secure messages, and I wrote 13 times between XXXX and XXXX but received not one response, only a form response saying 'someone would get back to me ' which no one did. I tried calling at least 10 times but I received a recording saying 'service unavailable ' and I assumed it was due to the COVID lockdown and limited service. I still heard nothing from VISA. In XXXX I finally was able to get through by telephone to VISA after a 1/2 wait and they said they had sent a questionnaire to the NY address and I had to fill out the questionnaire. I told them ( again ) that I was unable to travel to NY due to the lockdown and to send me via secure message on VISA or by email the questionnaire but they said they could not per company policy. They said they understood however, and that no decision would be taken until I could fill out the questionnaire and they would put that note in my file. In XXXX out of the blue I receive an email notice from CHASE VISA that I owe the {$850.00}. When I call again they say since they did not receive the questionnaire, they paid XXXX and can not reverse it, and I have to pay the amount. I am very upset about this. I always pay all my bills promptly and always PREPAY my VISA cards because I don't like to owe money. However, in this case, XXXX completely destroyed my apt , I have the proof through the restoration services and the insurance company. paying hundreds of thousands in damages. This is 100 % due to the negligence of XXXX, I reported a steam leak, the valve was immediately turned off, they came to the apt to fix it, and instead not only left black soot over the apt but left the unit on. When I called to report this, they returned, I don't know what they did but they DID NOT repair the unit, not in either service visit, and again left the unit on, when I had explicitly complained about this previously. They then refused to accept any responsibility and did not respond to any of my emails. So not only did they not service the unit properly on 2 visits but they destroyed my apt through negligence. And I should not be forced to pay because I was unable to travel to NY to fill out a questionnaire during a natural disaster. I had asked VISA to send it by email or secure messenger due to the natural disaster we were in and a compromise should be made but they refused and assured me no resolution would be until I was able to travel to fill it out, even if it took some months longer. Interesting they can send me email messages to pay but not email me the questionnaire nor a response to my 13 messages. I even wrote a very nice mail to XXXX right before sending this complaint asking for a resolution because it is most unfair their lack of responsibility. I had not sued them for the damages, which I could have done, but only to reverse the credit card charge, and I received not a response to even this. I have all the emails to XXXX and the written messages to XXXX. I have photos of the water leak that you will be shocked to see the water completely covering the ceiling and walls of the XXXX XXXX They had to enter with vacuums to dry out the water and put heat drying machines in the XXXX XXXX weeks to dry out the interior walls. I am applying for other credit cards but do not want my excellent rating to be destroyed over this. I am not a litigious person but I feel I am 100 % in my rights here. If XXXX made an error in paying, not even taking into account the natural disaster we were subject to and realizing I did not respond after calling in and writing, that it was obvious I was out of the country. I have good accounts at the bank also and my XXXX telephone and my emails are all registered in that I am continuously receiving emails from XXXX credit card services about this or that ... ... but not a word about the status. It is really surprising to me that neither XXXX nor XXXX will take responsibility. | ||||||
| 04/16/2020 | Yes |
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| This complaint involves my ( XXXX XXXX XXXX dob XX/XX/XXXX ) application to JPM Chase mortgage lending for a HELOC. Essentially, after representing to me that I qualified for a HELOC - pending a residential home appraisal - Chase then required I spend nearly two ( 2 ) months supplying information and documents ( including requiring I go out into Covid-19 stricken areas ). At the end of delays, obfuscation and repeated requests for the same information, Chase obtained an appraisal showing the value of the collateral was almost exactly the amount I estimated. However Chase the admitted it misrepresented what Chase considered income and continued to drag out the process. I asked that Chase immediately supply me all the information it had gathered as I had found a real bank - but Chase refused. The key dates are : XX/XX/XXXX - date of initial application XX/XX/XXXX - date Chase required I go throught the application process again ; XX/XX/XXXX - date I asked to be able to speak to anyone at Chase that would give me a straight answer ; XX/XX/XXXX - date a XXXX XXXX, represented to be a supervisor, asked again for the very information I had provided numerous times before and then changed the requirements ; XX/XX/XXXX - date on which I sent an email to XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX setting forth in detail the facts summarized above and requesting that any of those four ( 4 ) individuals who were principals in the handling of the " application '' provide any factual dispute with the facts as I recited them - to date I have received no response. Copied below is the email of XX/XX/XXXX : Loan Application XXXX XXXX XXXX XXXX Sun, XXXX XXXX, XXXX XXXX ( 4 days ago ) to XXXX, XXXX, XXXX, XXXX Dear Chase employees - I am sending this email as a factual representation prior to seeking legal and agency review of the misrepresentations and deceptive conduct on the part of each of you in handling the referenced loan. I am sending this to provide a full and complete opportunity for each of you to provide what you believe are accurate facts that dispute those that I set forth. Unless I hear from you by the close of business ( XXXX XXXX CDT on XX/XX/XXXX ) I will represent to any reviewing authority that Chase adopts and ratifies this factual recitation : 1. I, XXXX XXXX XXXX have been a banking and credit card customer of XXXX Chase for over 20 years. I have been a good customer. Chase previously extended to me a home equity loan on the property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx. XXXX. All payments were made timely timely, the loan repaid in full and Chase made a tidy profit. 2. On Wednesday, XX/XX/XXXX in response to a promotion/offer extended by Chase through its website for customers I telephoned the number provided and spoke with a XXXX XXXX. During that conversation I began by carefully and painstakingly explained that I previously experienced difficulty when I responded to a promotion from XXXX only to learn that XXXX considered a simple phone call to a formal application and initiated a " hard inquiry '' to the credit score agencies. I further carefully and in great detail explained that I did not wish to proceed absent some indication from Chase whether I met the numerous and hidden criteria Chase uses to make a credit decision. I further carefully explained my income situation and the two main sources of money that came in ( not how money that " comes in '' is another way of saying in come ). I was told I met the criteria for the {$75000.00} HELOC I requested. I was told to set a time on Tuesday, XX/XX/XXXX to " finalize the application. '' 3. When I spoke with Ms. XXXX on the XXXX I was told that the system was down and that I should proceed online. I then spoke with an XXXX XXXX. Once again I went over in great detail the value of the collateral - the insurance, title, flood and income situation. I specifically noted that the income from the Texas XXXX XXXX program was a one time payment but that i have been accepted into the follow on program the XXXX XXXX program. Not only did no Chase employee indicate that this money which " came in '' was not income - no Chase employee has ever bothered to share with its customer what definitions it uses for income. Chase did repeatedly, consistently lead me to believe that the only matter to resolve was the value of the property. 4. On XX/XX/XXXX a Mr. XXXX conducted a detailed in person inspection/appraisal of the premises at XXXX XXXX XXXX XXXX He appraised the value of the collateral at {$240000.00}. During my initial conversations with Ms. XXXX and Ms. XXXX I estimated the vale of the house at {$250000.00}. So, as with the income, insurance, title, flood and all related matters every representation I made was true and accurate. 5. However, for 6 weeks Chase repeatedly ignored my calls and emails other than to request that I venture forth in a pandemic to send to Chase the same documents I had previously sent - both by fax and email. For six ( 6 ) weeks I complied with every request. 6. After being subject to misrepresentations, statements that Chase was incompetent to do business in a professional manner, repeated email saying Chase was " out of the office '' I requested via email to speak to someone in the income verification department. Not surprisingly Chase is unable to honor a simple request from a customer to speak to a live human with a representative that has knowledge and authority. 7. Finally I contacted another individual who was represented to be a " supervisor ''. This person was a XXXX XXXX. I requested that Chase immediately release to me all file materials, specifically including the appraisal report and engagement letter for Mr. XXXX. I informed Chase that there are real banks capable of doing business. To date I have not received a formal written reply to this simple request. What is Chase hiding? Why is Chase ashamed of it's business practices? The wrongful conduct of Chase cost me health, money and time. All I requested of Chase was honesty. It is clear that Chase is a dishonest enterprise. I look forward to any of you providing your version of facts. XXXX XXXX XXXX | ||||||
| 10/12/2022 | Yes |
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| I opened a checking account for my father 's estate with JP Morgan Chase ( JPMC ) on XX/XX/XXXX, and I included another signer on the account, my sister, who lives in Texas. I provided documentation on this date to the banker such as the death certificate, executrix legal document, and legal administration document. I advised I lived in the state of Georgia but my dad lived in Louisiana, which his home information is included on the death certificate and legal documentation provided. The Banker who opened this account advised she had what she needed from my sister and I, made copies of documentation and my drivers license, and opened this second account by transferring money from the first estate account opened on my father 's behalf. Also, she advised my sister had 30 day window to go to a JPMC branch in Texas to sign and began using the account for the same purpose of estate expenses. For awareness, I opened a first checking account at JPMC and I was able to withdraw funds and write checks to pay estate expenses with no problems. My sister went to a Texas JPMC branch per the bankers advise on XX/XX/XXXX. Then the avalanche that has led to this moment began because we learned the bankers at the Georgia and Texas branch were not on the same page. I summarize dates and conversations below. Around XX/XX/XXXX - I received a letter received from JPMC Branch Complaint Escalations dated XX/XX/XXXX advising me no one would contact me anymore because they were not able to reach me. I confirmed my phone number with the Texas banker and did not receive or have any missed calls from JPMC. I have a copy of my phone statement. As a result, I called the phone number provided on this letter multiple times and left several messages. No one returned my call. XX/XX/XXXX - I called JPMC 's customer service phone number, which is different than what I received on the letter dated XX/XX/XXXX. Eventually, I was transferred to the JPMC Branch Complaint Escalations department. I shared the case number and extension provided to me from this letter. The representative advised he did not show any updates indicating someone called me. However, he advised the account opened on XX/XX/XXXX would need more information to keep it opened. Basically, a document from our attorney advising the account could be opened in a state other than the state where my dad lived would suffice. The JPMC banker in Georgia nor Texas told us this documentation was needed. I wonder why they didn't if this was that simple? Also, the representative advised a restriction would be placed on this account until we provided attorney documentation, and he advised I still would be able to go to the bank to withdraw funds, even with the restriction, but could not use a debit card or online transactions on this account. I advised we did not have a debit card nor used online transactions, so my ability to continue going to the bank to withdraw funds is fine because that it what I was already doing. XX/XX/XXXX - I went to a JPMC Georgia branch to withdraw funds for estate expenses and was advised the account was restricted and I could not withdraw funds. I spoke with multiple people at the branch and was advised the area that placed the restriction on this account was not available on weekends. I requested this account be closed immediately and to issue a cashier 's check in my father 's estate name. Therefore, I was provided a note that advised me to call JPMC at XXXX on the following Monday. This approach was to reach the JPMC " back office '' who would call the branch to provide an exception approval. I was advised I could go to the branch after the approval was provided Monday. XX/XX/XXXX - I called the XXXX number provided to me by the branch person on XX/XX/XXXX. The representative advised me the same information that the account is restricted. I shared the XX/XX/XXXX information to her and she advised there are no notes that XXXX spoke with me. Also, she advised the JPMC Branch Compliance area is open on weekends. I asked her to escalate this matter because I have been told multiple things that so far are not true and want to close the account immediately. She advised she would escalate it and have a supervisor to call me back. On XX/XX/XXXX also I received a letter dated XX/XX/XXXX that advised I needed to contact customer service regarding the second checking account by XX/XX/XXXX to keep the account open. As a result, I have received multiple calls from and made multiple calls to the JPMC branch compliance. Each time I am told something new or different about this matter, and I continue to ask that the account be closed immediately because we no longer want to do business with JPMC. XX/XX/XXXX - I called to see why the account was not closed and monies released payable to my father 's estate. One representative advised me the account restriction was placed XX/XX/XXXX, there is a 7-10 day business window for it to close on its own, and a check would be mailed to me. After escalation, the other representative advised the account would close on its own and the check issued by XXXX XXXX XXXX XXXX soon. As a result, I basically decided to wait until the account was closed. XX/XX/XXXX - I received a call from a new JPMC representative, XXXX, who said this case was transferred to him but the account is now closed. He advised he would review notes, visit with legal, and call me in 7-10 business days. Minutes later, he called me again and advised JPMC would not release estate funds without a letter from our attorney. I can keep writing, but the timeline speaks volume. We did nothing wrong unless going to JPMC in good faith is considered wrong. JPMC treatment has made me feel worthless, hurt, and as if me and my family are not of value. We are frustrated but also could lose our father 's home because of monies he made available to take care of his estate are being held by a bank who does not have a legal right to hold it. I never thought bringing a check made out to my father 's estate, opening an account in the estate name, providing all legal documentation, and doing everything with integrity would lead to this. | ||||||
| 12/18/2017 | Yes |
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| My vehicle was repossessed XX/XX/XXXX by JPMorgan Chase as a result of Chase losing and not accepting a handful of payments between XX/XX/XXXX and XX/XX/XXXX. One payment was lost and later applied to the loan, while two others were refunded about two weeks after the repossession. The details around those payments are confusing at best, but the primary issue was a block that was apparently placed on our account sometime in XX/XX/XXXX. This block should prevented us from paying online via ACH withdrawals and required us to pay with certified funds. However, our online payments continued to go through with money withdrawn from our bank account, and the only written communication from Chase we have regarding payments instructed us to pay online, by phone, or by check, none of which are certified means of payment. Accordingly, Chase also agreed after the repossession that we were never told about the certified funds requirement, but that the " status of our account was clear '', at least on their end. Despite that, it took over 3 weeks of research on their end, including the gathering of tracer information from my bank, to locate all of the payments and determine what happened to them. Even with the realization that the money was in the custody of Chase at the time of repossession, Chase refused to return our vehicle and we had to spend {$750.00} towards a lawyer. With the assistance of a lawyer, we were able to get Chase to agree to 1 ) re-instate the loan, 2 ) return possession of the vehicle to us, 3 ) waive all fees associated with the repossession and 4 ) fix our credit reports to show that the account was current and not 90 days late. Chase agreed to those four terms in a letter sent to our lawyer on XX/XX/XXXX and gave us 24 hours to pay {$2700.00} which covered a few fees, and the payments for the loan that were either refunded or that would have been due while we did not have possession of the vehicle. Chase also gave us a 7 day extension to pay our monthly payment due in XX/XX/XXXX. Both the XX/XX/XXXX payment and the redemption payment have been made in a timely manner. However, Chase has been unable to uphold their end of the agreement. Specifically, there is still a {$430.00} " REPO EXPENSE '' fee on our account. Our lawyer has asked the representative in the Executive Office to remove this from our account, as they previously agreed, but she has not responded to our lawyers phone call or the letter that was sent via fax. Our credit report now shows that we redeemed our vehicle following the repossession, but it still shows that we were 90 days late leading up to XX/XX/XXXX. This was as a result of payments that were processed by Chase ( money taken out of our bank account via ACH transaction ), but that were held, unknowingly to us, and not resolved until weeks after the repossession, as explained above. That incorrect information on our credit report represents violations of the Fair Credit Reporting Act, but more importantly, should no longer appear per Chase 's letter from XX/XX/XXXX. We have n't been able to receive confirmation from Chase that they have completed fixing our credit, but after making the redemption payment they did claim that it was in the works. Finally, the vehicle was released to us and we were able to physically gain possession of it from the auction house. However, Chase has yet to complete the process to retitle the vehicle in our name from the repo title. Without owning the vehicle, we can not register the car, meaning that while we physically have it, we can not legally operate it on any road. Numerous phone calls with Chase have offered nothing more than a convoluted string of missed exceptions and excuses, but a summary is as follows : Upon making the redemption payment, the Executive Office indicated that a request to have the vehicle retitled in our name was already in the works. Upon calling the redemption department on XX/XX/XXXX, I was told that the request was being worked on and had been expedited, but no completion estimate was available. On XX/XX/XXXX, I received the same answer, but was advised to call the main customer service line to be connected with the titling department. Status updates from the titling department have been extremely mixed. We were initially told that Chase had ordered a duplicate title from the Virginia DMV and they were waiting to receive that so they could sign it over to us, and then return it to the DMV so they could complete the titling process. We were initially told this request with the DMV was put in on XX/XX/XXXX, but during later calls we were told that a representative from Chase was in the process of contacting the DMV to ensure they had all of the proper paperwork to order the title, and that they had tried calling the DMV the previous day, but the DMV was already closed. On XX/XX/XXXX, we called asking for a status update and were told that the duplicate title request had actually been completed and they were in the process of updating the title and returning it to the DMV. However, on XX/XX/XXXX, a representative in the titling department indicated that 1 ) the duplicate title request had n't been submitted until XX/XX/XXXX and 2 ) that Chase never ordered the title from the DMV, but rather from their Asset Remarketing Team, which is apparently separate from Chase. That representative indicated that they still did not have the title in house, which means we 're going on almost 3 weeks without any sort of meaningful action for the titling process and previous representatives either lied to us, the representative on XX/XX/XXXX lied to us, or one or more representatives were confused on the entire process. Nevertheless, it 's unclear why the request for the title would n't be put in until XX/XX/XXXX if it was started on XX/XX/XXXX, or why it would take so long for the title to be mailed. At this point, it could be another 2-4 weeks before we can drive our car again, bringing the total time we 've been deprived of our car to close to 5 months. Additionally, we now have to explore renting a vehicle for XXXX since we will most likely be out of a suitable car for that time. | ||||||
| 08/23/2022 | Yes |
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| I am not sure from the choices to be picked if I picked the correct desciption of what happened but it is as close as I could get with my understanding. On or about XX/XX/XXXX, I made a XXXX transaction to the same person that I had been sending money for about 3-4 years. I did have 2 accounts for him, one with his cell phone, which number changed several years ago, and another with his email, that I had used exclusively for as long as I can remember. A couple days later he left me know that he did not receive the money. He banks with chase and I bank with chase so we made a conference call with customer service who told me she was going to research and get back to me within 3 weeks. As a precaution, I did go online to check in case I had by mistake sent the money to his cell phone number ( something I had never done since he changed cell phone number YEARS ago ). Something made me take a screen shot of that online transaction. I took the screenshot on XX/XX/XXXX, as it is indexed on my phone on that date. It shows clearly that I sent the money to his email address - the correct place. I never heard anything from Chase so we called in again and they told me that I had sent the money to XXXX XXXX ( total XXXX upon Chase to give me that person 's name ) who now had the cell phone number that was previously associated with the recipient of my {$2000.00} payment. I told the customer service rep that that was not the case as I knew I had sent it to to the correct person. that person told me to go online and check my account and lo and behold it now said I had sent it to this XXXX person. I was dumbfounded as I knew I had sent to to the correct person ( and during that phone call, I was so shocked that I had forgotten that I had the screenshot I had taken a month before ). The same rep was extremely rude and told me I had done wrong, no money was ever coming back and that they had attempted to take the money out of XXXX 's account but that the account had no money. Clearly, that XXXX person stole money that was not his. I would have called the bank if {$2000.00} was deposited in my account by a strange company name. I also noted that if Chase tried to get the money back, they must have known they did wrong. they said they were just trying to help me. that was a bold lie because all they ever did was stonewall me and not help me! Funny how that works. I hung up the phone and could not understand how this now said I sent it to the wrong account! This was now sometime in late XXXX I believe. Randomly I was scrolling through photos as I take thousands for my work and came upon the screen shot I had taken and forgot I had - taken on XX/XX/XXXX that showed I had sent the money to the correct account on XX/XX/XXXX. I called chase bank back and they were not interested in anything I had to say. I knew someone at Chase who told me to call and file a complaint with their highest authority at Chase as the customer service people had no authority or power. I can not remember the department but it is the highest place you can file a complaint - and not many people actually know about this department. I can call and find out the name if you need it, I just want to get this sent out tonight.. Somebody from chase did eventually get back to me and told me that they DID NOT CARE WHAT PHOTOS I HAD THEY WERE NOT INTERESTED IN SEEING ANY PROOF AND THAT THEY WERE NEVER GOING TO GIVE ME MY MONEY BACK AND WERE NOT INTERESTED IN MY STORY. That is almost a direct quote. I have a witness to that call and I am sure if they pulled up that call ( as " all calls are monitored '' ) that conversation can be played back. I work very hard for my money and I am not going to just sit by and lose {$2000.00}. I have family and many other people to give {$2000.00} than to a thieving person I do not know. I know that if I owed chase bank {$2000.00}, they would come after me with guns blazing, I would be in jail, in collections, but I should just take losing {$2000.00}?? No way! If I had sent the money to the incorrect address, I would have no choice but to accept this. but I did not. I sent it as I always did. I had proof. It is very strange that the info should change from XXXX XXXX, when I took the screen shot showing it was sent correctly, to XXXX or XXXX when it now showed that I had sent it to the wrong place! I have to believe that they did something underhand at the bank. Somebody was covering their behind. I did call this XXXX XXXX because of course I had his phone number. Nobody answered my call or every returned my message asking for my money back. That person is a thief. I did call the police as I wanted to file a police report as such but they were not interested in my story. I had a client who works at XXXX so I called him and told him the story. he gave me a place to file a report but they were not interested as they said it was on Chase. Stonewalled at every corner. Finally, I remembered I knew somebody high up at XXXX and called him. He told me to write to you and he explained that only Chase could have done wrong from what I had told him. Chase hides behind " we are not responsible for XXXX '' but clearly somebody did something on their side, or their system glitched. There is no other reason something so bizarre would have happened. this gentleman suggested I contact you because if anybody can help me at this point, it is you. Please put yourself in my position. {$2000.00} is a lot of money to loose and I am doing all I can to get it back. I appreciate any help you can give me. I understand that filing a report on Chase is going as high up the chain as I can, as in filing a XXXX claim against a company. Please help me resolve this issue. I understand ( now ) that XXXX transactions are risky - per Chase bank ( but not so according to XXXX XXXX, but I also understand that if you send to the wrong place, too bad. However, when you sent to the correct place and have proof of that and then the information mysteriously changes to your detriment, somebody needs to step in and help this XXXX fight XXXX. And XXXX needs to accept responsibility and pay it back. | ||||||
| 09/30/2022 | Yes |
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| Called chase credit services while my card was still in good standing and never been late for the last 4 years with them. I called to get help to lower my interest rate so that I can keep up with my payments because I was going through a hardship. My minimum payments were high and I just wanted to see what help they can offer to get the interest a little lower so its more manageable. I spoke with several different agents at different times, all giving me different information and were not consistent with their answers. I was able to first get an extension on my next payment due and made a partial payment of {$100.00} posted to my account on XX/XX/22. I called back the following month or so, when I noticed that I will not be able to make the next payment either due to the hardship. I asked if I can get my interest rate lowered. I dont want to miss a payment. I was advised that my account has to be closed first in order for them to help lower my interest rate. I stated that I do not want to close my account at all, I just need some help with the interest rate since its so high and all Im paying each month is going towards interest only. I said I will call back if I figure something out. I called a few days later and asked how would that work if I close my account and get my interest lowered as the previous agent suggested. How much lower will it be and asked a few questions to see how the plan will go. Agent told me that once I close my account first, then they will be able to transfer me to the other department and they will help with my interest rate and explain further on how much it will be. I hung up because I still wasnt sure if thats what I want to do. I didnt want to lose my account. Then finally I decided, if its the only way to get my interest rate lower, then Ill just have to do it so I can pay off my full balance. I called and stated that I would like to close my account as advised because the previous two agents suggested that this would be the only way I can have a lower interest rate to pay off my balance. Agent said yes and proceeded to close my account. Agent then transferred me over to have the other department lower my interest rate. At that point I was told that there is no such thing as getting my interest rate lowered, and that I basically just closed my account for no reason! So the other few different agents were giving false information! And now my account is closed in return. I still have to pay the same interest rate, owe the same amount of money adding on late fees that will be assessed and told me that even though my account is closed, it will still occur high interest every month as normal. So nothing changed except for that my situation is even worse than when I initially called, because now its all the same issues I had adding on a closed account and credit score getting ruined because of missed payments. I called back to speak with a supervisor and explained everything that happened and what his agents did and asked that if they can not keep their promise then they should at least reopen my account! The supervisor refused and said since its not a bank error and i closed it myself he can not open it and was very unprofessional about it, ignoring the fact that they made a mistake and need to fix it. I believe it should be considered a bank error for giving customers false information and making them close their account to receive help that they didnt provide! This was all on the recorded lines and hopefully was notated correctly in the system for the reasons I have been calling and what they did to me. I want my issue to be investigated and fixed. Because now the situation has gotten so much worse just because they wouldnt help me from the beginning by helping with the APR so that I can afford my payments. All I asked was for one thing to happen and they led me to a whole bunch of mess. They refused to lower my rate, refused to reopen my account, refused to remove the late payments posted on my report, and also refused to have me settle because I didnt meet the requirements as they stated. They advised that I should settle my account if I can not pay it. I told them that I dont want to settle and I want to pay in full because I want to be in good standing and Im trying to give them all their money back and not a portion. Why cant they work with me to get their money back! Finally when I accepted to settle they stated that I was not eligible for a settlement because my income is too low. So what are they offering and how are they helping their customers during the hardship I can not understand! Only option available was to get on a payment plan that requires high payments that I can not afford, and it is only to get me back as current on payments, so Im not hit with more missed payments. However, I will still be hit with missed payments until all of the balance is paid. Which they said was going to be another 4 months time period of late payments reported. Now I will have XXXX missed payments along with the old XXXX payments so now about XXXX missed payments that are reporting late on my credit report, only to get back to where I started back in XXXX. Account will go back to having the same balance, same interest rate, but now closed and my credit report ruined. The reason I initially decided to call, was because they stated on their website that they offer assistance during the hardship. However that as well was false information because they did not help in any way, but in fact mess up my situation even more because the agents are not well trained and have no idea what they are talking about and misleading their customers. I want my account back open and I want those late payments deleted from the credit bureau, and to get on a plan that will help me pay off my balance in full. Not settle. They need to fix what they did. Also according to the Cares Act, I have read that legally since they gave me an accommodation back in XXXX, and acknowledged my hardship at the time and accommodated my partial payment when my account was still not in default, that by law, they can not report late payments on my report. | ||||||
| 08/24/2023 | Yes |
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| In early XXXX I was traveling in XXXX and XXXX. On XX/XX/23, only a day after returning to XXXX from XXXX, upon checking my Chase Visa and XXXX XXXX checking accounts I noticed that XXXX fraudulent charges ( of {$3700.00} and {$1700.00} totaling {$5400.00} ), were made by the same vendor - XXXX XXXX XXXX located in XXXX, XXXX - on both my Chase XXXX credit card and my XXXX XXXX XXXX XXXX XXXX Both of these charges apparently went through on my Chase card, but only the first charge ( of {$3700.00} ) went through on my XXXX XXXX card due to the fact that I have an established {$4000.00} daily limit and the second charge ( of {$1700.00} ) would have exceeded that limit so it was denied. Upon checking into my new hotel in XXXX, I immediately reported these fraudulent charges to both Chase and XXXX XXXX. Both Chase and XXXX XXXX immediately cancelled their respective cards, said they would issue new cards which I would receive upon my return to the states, and informed me that there would be investigations of my claims. I was left to spend the duration of my trip using a separate XXXX XXXX credit card that I had with me. When I initially reported the fraud, I explained to both Chase and XXXX XXXX that the cards were still in my possession, but that somehow someone had gained access to my cards ( perhaps while the cards were in one of my hotels or while my bags were in temporary storage or while I was in transit ) to make these unauthorized transactions ( they were chip transactions ). Notwithstanding, even though someone was able to gain access to my cards without my knowledge or permission, what I still can not understand is how it was possible for them to make these transactions without any signature, PIN or zip code requirement ( especially with the ATM/Debit card which I have never used for any other purpose than as an ATM card ). What I also did not understand is how it was possible for XXXX such large transactions to be made on both of my cards without prompting any alerts to me from either Chase or XXXX XXXX or requested confirmation from me that I was in fact trying to make these transactions. These charges completely got by their security. Upon returning to the states, I received my new cards. At this time, I presented detailed letters to both Chase and XXXX XXXX outlining my claims. From my perspective, the strongest basis for my claims with both Chase and XXXX XXXX was the fact that the same exact amounts were charged by the same vendor in XXXX at the exact same time to both cards. I also made them both aware that I was pursuing concurrent, related claims for identical fraud charges with each of their institutions and provided them each with copies of statements from the other institution showing that the same charges were made on both of my cards. I confidently assumed that my claims would be resolved in my favor, in large part because during my initial conversations with fraud representatives from both Chase and XXXX XXXX, they all agreed that the identical charges were highly unusual and suspicious. However, to my dismay, after over 2 months of " investigation '' by their respective fraud departments, both my claims were initially rejected. However, after considerable persistence, XXXX XXXX ultimately upheld my claim on XX/XX/23 and reinstated the {$3700.00} that were charged on my ATM/Debit card. Despite the fact that I subsequently provided Chase with a copy of the XXXX XXXX resolution letter in my favor, they continued to deny my claim and are now holding me responsible for making full payment for these XXXX charges and the associated foreign transaction fees. Begrudgingly, I have decided to go ahead and make payment to Chase to avoid any additional interest charges on these {$5400.00} in combined disputed charges, but I have let them know that I intend to continue pursuing my claim in hopes of ultimately recovering part or all of the funds that I have paid to them for these fraudulent charges. Prevailing in this claim and recuperating my money is now the goal of this formal complaint with your agency. I feel that Chase has failed me as a longstanding, reliable cardholder and customer. Prior to taking this trip, I contacted both Chase and XXXX XXXX to inform them of my travel plans to ensure that I wouldn't have any problems using my cards while overseas. They both told me that such notification was no longer necessary because they had advanced security measures in place. Well, their security measures obviously failed. It is interesting to note that while I was in XXXX prior to returning to XXXX, I was only using my XXXX XXXX credit card. Several times when I attempted to use that card for much lesser amounts than these disputed charges, I received text alerts and requests for confirmation that I authorized the transaction. I appreciated this level of security on my XXXX XXXX credit card. So, my question is : how is it possible that XXXX such large ( and identical ) transactions could be made on the very same day of my return to XXXX without triggering any alert or request for confirmation for either of these transactions, especially when incidences of fraud are much higher or more likely in XXXX than in XXXX? The size of these XXXX transactions exceeded any other transactions that I made on the entire XXXX-week trip, including airfares, hotels and car rentals. Surely, their security ( based on their algorithms and tracking of my spending habits ) should have caught this. All other fraud cases that I experienced in the past have always been resolved in my favor. To their credit, XXXX XXXX ultimately did the right thing, but Chase is not supporting my claim. Nor has their fraud team been sympathetic or supportive as I have pursued this claim. When I first reported the fraud on XX/XX/23, they gave no information or suggestions about what I might do ( while still in XXXX ) to support my claim. I am completely frustrated and disappointed with them, and am now turning to your agency to assist with my claim. Please let me know if you have any questions or if you need any additional information. Thank you for your time and consideration. | ||||||
| 06/24/2017 | Yes |
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| During XX/XX/XXXX-XX/XX/XXXX, I had been rebuilding my credit which was ruined due to a long and costly divorce. I recently applied for several credit card at Chase Card Services. I was approved for the Chase British Airways Card with a {$7000.00} credit line on XX/XX/XXXX. I was also approved for the Chase AARP card on XX/XX/XXXX for a {$4500.00} credit line. On XX/XX/XXXX, both of my cards were closed by Chase, without any notification. When I tried to make a charge on the British Airways card on XX/XX/XXXX, it was declined. I immediately called customer service and was told my accounts were closed, and I would be receiving a letter. The rep would not tell me the reason why. I went into a Chase branch in XXXX and spoke with a banker, who called Card Services and was told the accounts were closed, but not given a reason. I filed a compliant with the Executive Office while in the branch. On Tuesday, XX/XX/XXXX, I spoke with XXXX XXXX at the Executive Office who told me the accounts were closed due to too many recent inquires and new accounts open. This was an absolute surprise to me because Chase has substantial previous knowledge that I was rebuilding my credit, yet they approved me for two cards. Then they made a blatant lie for the reason to close my account. On XXXX XXXX, 2017, I applied for a Chase AARP card and was declined ( letter enclosed ), due to too many recent inquiries and new accounts opened. Chase pulled my XXXX Credit Report. Then on XXXX XXXX, 2017, I applied for a Chase Freedom card and was declined ( letter enclosed ) for having too many inquiries and new accounts. Again, Chase pulled my XXXX credit report. On XX/XX/XXXX, I applied for the Chase British Airways card and was approved for a {$7000.00} credit line ( letter enclosed ). Again, XXXX credit report was pulled. On XX/XX/XXXX, I applied for a Chase Sapphire Visa and was declined ( letter enclosed ). Chase cited too many new accounts and inquiries. Again XXXX credit report was pulled. On XX/XX/XXXX, I asked Chase to reconsider my Sapphire application. They declined also, citing my XXXX credit report and the same reasons. On XX/XX/XXXX, I applied and was approved for the Chase AARP card, with a credit line of {$4500.00}. Again my XXXX report was pulled. Then on XX/XX/XXXX, XXXX accounts were closed ( letter enclosed ), saying I had to many new accounts and inquiries, when this same information was known when I was approved for both cards, and the AARP only four days earlier. I had not even received the AARP card when it was closed. So Chase is not being honest when they say my accounts were closed because of inquiries and new accounts, because only four days earlier, they approved the Chase AARP card. Further Chase had pulled my credit report on seven different inquiries and had full and complete knowledge I was rebuilding my credit yet approved me twice. On the British Airways card, you could earn XXXX points toward airline tickets if you spend {$3000.00} in three months, and another XXXX points if you spend a total of {$10000.00} and another XXXX points if you spend a total of {$20000.00} in one year. Plus for every year you spend {$30000.00} you can earn a free companion ticket to XXXX. In the first and only month I had the British Airways card I charged over {$4500.00}, easily earning the first XXXX points. I also made payments totaling {$3300.00} in one month. With an income over {$230000.00}, Chase was well aware that I could easily hit these spending target and did not want me to reach these goals. Further these cards encourage you to try and reach these reward targets. The AARP card also offered {$150.00} cash reward if you spend {$500.00} in the first three months. Chase had no reason to close my accounts because they knew from my credit reports that I had numerous new accounts and inquiries, yet issued two credit cards. Further, I paid the one card over {$3300.00}, well over the minimum amount due in one month. So, I was not delinquent. Chase was unprofessional and unethical in closing these accounts with no notice, even though that had full knowledge, So with my account now closed, I can not get earn points. Also, it is strange that Chase always declined me for their own branded credit cards, but approved me for partner co-branded cards, and then closed them when the reward targets were achievable. I am a customer of Chase, with a checking account, saving account, prepaid Chase Liquid account, and even have part of my payroll automatically deposited with Chase. I have written letters to XXXX XXXX, Chairman and CEO of JPMorgan Chase and XXXX XXXX, CEO for Chase Card Services for their assistance in getting these accounts reopened. Chase has acted in a most unprofessional manner and under false pretenses in closing my accounts after approving one only four days earlier, knowing I was rebuilding. I have asked the executive office to reconsider and help me to reopen these accounts, without any success. Also, I was told Chase will report these accounts as closed by credit grantor, which will hurt my credit score and chances of getting credit. I did n't even have the AARP card before it was closed, now it will appear on my credit report as a negative account. And the British Airways will also appears closed by credit grantor, even though I paid over {$3300.00} in one month. I did nothing wrong to get open these cards, I utilized them and paid them well above the minimum. Chase should have given me a chance to establish a payment history before resorting this adverse action. Plus, Chase lied about the reason they closed my accounts. I was told the criteria for approving an account was different from the criteria for closing an account. How could Chase approve an credit card on XX/XX/XXXX from my XXXX credit report and then closed it on XX/XX/XXXX, using the same XXXX report that had the exact same information. Chase had full knowledge when they approve the British Airways card and the AARP card. Chase has also discriminated against me by always declining my applications for the Chase branded cards, but only approved me for the partner co-branded credit cards. | ||||||
| 08/29/2019 | Yes |
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| Amazon Chase processed a cancellation request of our card with them on XX/XX/XXXX as a lost/stolen card reissue though my wife and I made the call together to cancel this card after using it to make one purchase and paying that purchase immediately. This was our card number ending in XXXX. From that time forward we have documented evidence that all purchases made were tied to our Chase debit card ending in XXXX. In spite of this they claim we activated the card we had no knowledge of in XX/XX/XXXX, and made a charge for {$35.00} on XX/XX/XXXX and a charge for {$120.00} on XX/XX/XXXX which appear nowhere in our financial history. I made reasonable and fair requests to Amazon Chase a number of times to provide evidence of my alleged request for a lost/stolen card change on XX/XX/XXXX, the exact date I called to cancel, has not been fulfilled and they have also chosen not to fulfill my reasonable and fair request of full details concerning the two alleged purchases on my account which they repeatedly provide only the amounts for. This leaves two possibilities : they are unable to respond to my request because no such evidence ever existed, or they are unwilling to respond to my request due to possible employee misconduct which they may now be aware of. For these reasons and more, a complaint has been filed with the Attorney General 's Office as the first of many further steps I will continue to take based on the choice Amazon Chase has made concerning resolving this situation. Amazon Chase made none of the alleged attempts to contact me by mail or phone. There is no returned mail to verify when no mail is sent. There are no voicemails or messages to my XXXX number and I will sign forms to have my phone account reviewed as evidence with every agency I deal with. The alleged Contact referred to in their response came from an XXXX area code number that was ringing my phone several times a day, and I gave that number to my friend who does investigative work. He determined that number to belong to an Amazon Chase collections department, and I have never received messages nor human contact from this number. The one exception to Contact I did receive came from XXXX at a number stated to be a Chase Executive Office at XXXX and extension XXXX. In a conversation with her I acknowledged the XXXX number, told her that if I receive human contact from Amazon Chase I will respond immediately, proved that by responding to her further calls, and asked her to have that XXXX number stopped. The result was several more calls per day from that XXXX Robo call phone number. XXXX said she would prepare documents in response and 10 days later I received photocopies of a generic credit card agreement that had neither my name, the name of Amazon Chase, any signatures, nor any other identifying information which I could see. She also sent 10 more envelopes of statements from a XXXX account which we have no knowledge of and never has had anything to do with us. I have kept all of this available as evidence. When I attempted to call her and tell her about this I found that the phone number was no longer active. This is a company that prefers direct contact with me only through accusatory statements sent to your Consumer Financial Protection Bureau and I will respect their wishes in response. I have documented evidence that all purchases made after the XX/XX/XXXX cancellation date of our Amazon prime credit card were linked to and paid for with our local Chase debit card account ending in XXXX. Some of that evidence is included here in the attached images of legitimate purchase is made before and after the dates of both alleged purchases Amazon Chase claims that I have made. In both shots containing a range of purchases, the alleged purchases they claim I made do not appear. Some of that evidence is included here in the attached images of legitimate purchases made before and after the dates of both alleged purchases Amazon Chase claims that I have made. In both shots containing a range of purchases, the alleged purchases they claim I made do not appear. The Chase branch I deal with, formerly XXXX XXXX, has been my only bank in California since XX/XX/XXXX and will attest to my sound financial history. I have prepared images to attach here showing my Chase debit card linked to transactions before and after the two alleged transactions in question but there is no way to do so in this Remarks section. Please provide me an email address to submit these images of evidence or I will submit a new complaint number in order to get these images of evidence to you. I will conclude my response in noting that my friend who does investigative work has thoroughly researched and examined the order of events that transpired here. My cancellation request of XX/XX/XXXX was apparently recorded by a card service employee as a lost/stolen card change request. In XX/XX/XXXX, after some time was allowed to pass, that new card number was activated without my knowledge. After further months were allowed to pass a small charge was placed with that number, followed by a larger charge place to that account number. According to my friends expertise this appears to be a situation where a card services employee did not process a cancellation request, but processed a card number change in order to use the account illegally and personally. This is identity theft, and credit card fraud. If Amazon Chase wishes to respond to this matter fairly, I am sure they will be happy to send me evidence of purchases or charges which will undoubtably be linked to a different state or location where I can prove that I never was at that time. If they choose to finally research the date of my cancellation request for evidence of that phone conversation, they should find out what actually happened instead. Until then, I will continue to pursue this with your bureau, the Attorney General Office, the Federal Trade Commission where this issue has already been filed, as well as a list of further options which I will continue to pursue until this is investigated and resolved. Thank you for your time and understanding. | ||||||
| 08/22/2017 | Yes |
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| We are filing a consumer complaint against our previous mortgage lender Chase bank for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. As a result of this negligence our family was forced back into foreclosure after having made all 3 consecutive trial payments in adherence to our trial agreement. We applied for a loan modification in XX/XX/XXXX, after a lengthy review period, our loan was accepted for trial payments under the HAMP Streamline loan modification program on XX/XX/XXXX. We subsequently made 3 trial payments in the amounts of {$590.00}. The payments posted with Chase as follows : XX/XX/XXXX {$590.00} XX/XX/XXXX {$590.00} and XX/XX/XXXX -- - {$600.00} ( Exhibit A Trial Modification Dated XX/XX/XXXX ) ( Exhibit B Proof of Completed Trial payments ) On XX/XX/XXXX, the Federal Housing Finance Agency ( FHFA ) announced a program designed to help borrowers save their homes. The Streamlined Modification Initiative provides an efficient, no-document way for certain delinquent borrowers to obtain a permanent loan modification As of XX/XX/XXXX, mortgage servicers must identify eligible borrowers and send them an offer letter that states the terms of the modification, including the monthly payment required for a Streamlined Modification. Upon receiving the letter, the borrower can simply submit the modified payment to begin the trial period. The borrower must successfully complete the three-month trial period to obtain a permanent modification. If the borrower makes the three payments on time, the mortgage will be permanently modified. However, if the borrower misses a payment during the trial period, he or she will not be eligible for a permanent modification under the program ( though another foreclosure alternative may be available Servicer shall promptly send a final modification agreement to borrowers who have enrolled in a trial period plan under current HAMP guidelines ( or fully underwritten proprietary modification programs with a trial payment period ) and who have made the required number of timely trial period payments, where the modification is underwritten prior to the trial period and has received any necessary investor, guarantor or insurer approvals. The borrower shall then be converted by Servicer to a permanent modification upon execution of the final modification documents, Case XXXX Document XXXX Filed XX/XX/XXXX Page 108 of 291 Case XXXX Document XXXX Filed XX/XX/XXXX Page 17 of 200 XXXX consistent with applicable program guidelines, absent evidence of fraud. B. Dual Track Restricted. After the mortgage trial payments were collected by Chase, we received no decline letter as to why the modification had been cancelled, nor were any of our trial mortgage payments returned to us. This is the same type of abuse which led to the NMS, and the multiple lawsuits against Chase for lender abuse. Furthermore Chase has also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) My wife and I represented ourselves Pro Se and originally attended our first hearing for these mandatory meditation hearings early in the spring of XX/XX/XXXX, under Case No. XXXX, in XXXX County Circuit Court. We carried on a full discussion with the Judge XXXX XXXX as well as the attorney XXXX XXXX XXXX which represented Chase bank, regarding our desire to retainXX/XX/XXXX Complaint Print https : //complaint.consumerfinance.govXXXX XXXX XXXXXXXX XXXX ownership of our home. It turns out that we were missing several documents which better outlined our financial situation and our hearing date was rescheduled for XX/XX/XXXX at XXXX XXXX and we were instructed to return with the necessary documents which would definitively define my earnings at the time. Two days or so before our new hearing date was supposed to be conducted we received a letter from Chases counsel stating that our hearing date had been canceled. When we inquires as to why this was done, we were told that it was because we failed to communicate with their office what our intentions were. This statement within itself was preposterous and misleading to say the least. Since our loan is FHA and government insured we theorize that Chase is only interested in foreclosing so that they can file a Foreclosure Claim with FHA. Further, we were also overlooked and not offered the FHA Pre-foreclosure Sales Program which would allow us to sell our home and use proceeds to satisfy the mortgage debt, instead Chase would prefer to defraud the U.S. government and take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ) Regulation X. ( Exhibit C Order Re-Scheduling Hearing ) We feel that Chase has also colluded with our new servicer name XXXX XXXX XXXX XXXX ( XXXX ). On or about XX/XX/XXXX, our loan was transferred to a collection agency by the name of XXXX with absolutely no notice which are also violations to 12 CFR Part 1026 ( Regulation Z ) RESPA. Again we feel this collusion is for the purposes of stripping all positive equity form our home as well as foreclosing so that they can file a Foreclosure Claim with FHA. Moreover when our loan was originated it carried an interest rate of more than 12 % and both Chase and XXXX, are reaping the benefits this early on abuse. XXXX, has offered no type of options for us to avoid foreclosure, in fact when we last spoke with them on XX/XX/XXXX, we were advised by XXXX at XXXX XXXX, because our loan was just received one month ago they do not show that we made any payments toward a loan modification nor do they see that we were ever approved for one in XX/XX/XXXX. In fact she went on to say that our loan was approved for foreclosure the same exact month that we were approved for modification assistance XX/XX/XXXX. She also advised us that we had a private investor which is false, our investor is FHA. | ||||||
| 09/29/2022 | Yes |
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| XXXX XX/XX/XXXX, My mother and I entered Chase bank to make a withdrawal of {$1200.00} from the personal checking account I'd recently opened XX/XX/XXXX by initiating a {$30000.00} deposit with an insurance settlement check I received from XXXX. After a few days of the check being on hold, the hold was lifted. Being behind like I've become since the accident, I began to spend my money to " catch up '' with the people I owed money to and so forth.. I have a hard time determining if its due to the length that the checking account was open for or if they were just reluctant by the XXXXXXXX XXXX XXXX XXXX and amount that was in the checking account. But the tellers who serviced me refused to honor my withdrawal even after asking me and being told the date on which I opened the account to confirm my identity.. Ironically, I was still able to complete transactions via XXXX XXXX with my debit card ( my physical card arrived later in the mail that Friday ) having linked to my digital wallet on my XXXX after I left the bank *Its mighty interesting -- the previous day I had successfully made a withdrawal for {$500.00} at another location and I received no comments about the legitimacy of my state issued license OR skepticism regarding the withdrawal from a more urban location ( I used this same ID to open the bank account ) Towards the end of the business day, just before XXXX I entered my neighborhood Chase bank with the intent to clear myself of whatever issue that was preventing me from making the withdrawal I initiated for {$1200.00} earlier. The teller there was unable to assist me and notified me that there is a FRAUD ALERT on my checking account. Just before I could make it home, I received a notification on my XXXX that the use of my Chase debit card has been suspended. It honestly felt as if this was systematically happening. Confused, hurt, and frustrated by this discrepancy, I decided I would give Chase a call to resolve this issue before it could get any worse. On the phone with them I was told that a representative would give me a call in the next few minutes. They never called me So I called back after waiting and was told that my account is being handled by the fraud specialist department and they won't be available until the following Monday, after the weekend ; Leaving me in a position to suffer for their lack of due diligence. The following Monday XX/XX/XXXX, disinterested in going back XXXX forth over the phone, I decided to visit my neighborhood chase bank with multiple forms of ID to close the checking account due to my unpleasant experience. A representative at the branch assisted me on a phone call to confirm my identity with passport and ID to an agent in the fraud specialist department, then informed me that chase bank will no longer be servicing me as a client. They mentioned my account will undergo a closing process that will take 10 days to complete, then a check of my balance will issued.. Displaced by this information, I requested to file a grievance/dispute/claim regarding the matter with chase bank, and was assisted by the branch manager who tried to help, making the inquiry to expedite the issuance of the check. We were both told the check will be issued in 5 business days instead of XXXX. The representative that was given my grievance called me a few days later and provided me with zero relief. In fact, she coldly reiterated that theres nothing that can fix this and informed me that my check will be issued accordingly INSTEAD of the timeframe w requested ; expedition granted. Despite the fact we were previously told itll be issued sooner per my request for particularly being in a undesirable position financially as is.. we were lied to Today, Wednesday XX/XX/XXXX I decided to give Chase a call to follow up.. during my phone call, I was told along the lines that my account has been officially closed and I will need XXXX forms of my identity in order to receive a cashiers check from my local branch So I decided to go on break from work and finally resolve this issue When I arrived to the location where I opened the checking account at, I was informed there is no account or money. That a check was issued on the XXXX and it will take 5 to 7 business days to receive So I curiously asked, Why was I told to visit a branch with XXXX forms of iD to receive a cashiers check over the phone? While the bank teller takes a moment to consult with the branch manager, I give Chase bank yet another call to see what is going on. Im being told one thing here, and something different elsewhere WITH THE SAME BANK I entrusted with my money.. This is no good way to make a person feel. we are mere reflections of each other .... On the phone, I was condescendingly asked the balance of the account which I provided my account number for.. to confirm that this is the correct account holder The gentleman I was on the phone with mentioned, then went on to notify me that no check has been issued and that I need to provide 2 forms of ID to move forward at a branch location To my surprise, I was told theres an open investigation by the teller, then I was prompted to provide my forms of ID to progress this matter. If theres an open investigation why have I not been informed or formally addressed with the steps and processes to clear myself, get my money, and close it? Not only has Chase Bank lied and taken advantage of me, Chase bank has unprofessionally handled the issues of my account and overtly denied me access to my finances with ZERO justification. To notify me 14 days after disabling use of the checking account, that additional identity information is needed to receive my money is a scam within itself Whats being done with my money? Why wasnt this extra identification information collected XX/XX/XXXX when I visited the branch to resolve this matter then? At this point, I still dont know when Im getting my money back exactly. My family is suffering. I've been undermined as human being with obligations and responsibilities, and this has caused me far too much mental distress an apology will fix. | ||||||
| 06/07/2021 | Yes |
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| I am having an issue with JP Morgan Chase bank regarding them denying my fraud claim.On XX/XX/2021, I received a phone call from what appeared to be a chase bank official with the phone number of XXXX. This is the same phone number thats on the back of my Chase bank debit card. The representative stated that he was calling from Chase bank and he was a representative from the fraud department. He stated the reason for his call is that Chase had noticed some fraudulent activity on my checking account and that someone was currently in process of wiring {$20000.00} from out of my checking account. He then stated that, Two block and stop the wire transfer from going through as well as closing my online access, he was needing and access code That he was going to send to my phone.He then sent a code to my phone and requested it. Once I receive the code on my phone I gave him the code so that he could stop the wire transfer from happening as well as close my online account. Again this Chase representative was calling from the Chase bank phone number. He then placed me on hold and say that he will be back with an investigation reference number. He never came back to the phone. As a result, {$19000.00} was wired and withdrawal from my checking account. Immediately within minutes, I drove to a local Chase branch and spoke with the branch manager. The branch manager and the personal banker help me submit a fraud claim within minutes after this happen. I live five minutes away from the branch, so I was able to get the claim filed within 30 minutes after the money was withdrawn from my account. Once the claim was filed, the representative from the fraud department over the phone told me that the investigation can take 3 to 5 business days, once the Affidavit was sent them to them. After the fifth date, Ive called Chase and they told me that they did not have any updated information on my claim. Fast forward, Ive been calling every week, every other day, to check the status on my claim. The representative told me that since it was a string operation, and multiple customers had experienced the same problem with the same scenario, the investigation was extended out 30 days. They advised me to call back on XXXX XX/XX/XXXX, and that will be my 30 days from from the affidavit being received and they should have updated information on the claim or my account will be credited. Once I called on the 30th day, they then told me that they never received the affidavit. For one entire month, I had been calling and checking the status, and not one representative told me that they have not received the affidavit. In fact, they verified with me on each call that they had all the necessary paperwork needed for filing the claim. I called back and spoke with several supervisors As well as a manager, and they requested that I resubmitted the paperwork needed to file the claim. I did so that same day.The next day when I called back to confirm that they received their paperwork again, they told me that it was going to be an additional 30 days for an investigation. Again I started calling to inquire about the investigation process. On this past Thursday, XX/XX/2021, I called Chase bank to inquire about the claim, the representative told me that my case had been close and she had to confirm it with hey fraud specialist. She placed me on hold. When she came back she question me and asked me did I give the caller the access code. I stated yes, I explain to her, that every time I go into Chase bank and deal with a personal banker, they would always send a code to my phone and request the code to get access to my account while there. So that the representative on the phone who requested the code, it was normal because they do it at the bank all the time.she placed me on hold again. When she came back she stated that The fraud specialist had denied my claim and Chase Bank was not able to credit my checking account the {$20000.00} that was withdrawn out. Shes I asked her what was the reason for the denial decision, she stated that it was customer participation. I called multiple times since then and spoke with the manager and they told me that it doesnt matter who I speak to in Chase bank that the decision will not be overturned and that I will not get my {$20000.00} credit to my account because it was not considered real fraud. They told me real fraud is when someone hacked into your account that you do not know and take your money. I responded to them that, My case is real fraud .someone from chase ( I can only assume a JP Chase Morgan bank employee ) hacked into my account and stole my money that I did not know. I can only assume that its an Chase employee who got into my account, Because they called from a chase number. Not sure whether or not Chase system has been breached, but I do know a representative from Chase called me on XX/XX/2021 and hacked into my account. So my question to her was, how could someone go online and get access to my account, have my account and login information, call from chase number, and go into my account and steal {$20000.00}. Chase was not able to answer this question for me, but proceeded to tell me that it was nothing that they can do, and they fraud protection did not protect me. They refuse to credit any parts of my money back. This is my life savings that was taken out of my account. I have been a chase member for over 10 years,. Ive never done a wire transfer on my account. Never move large amounts of cash out of my account before. I asked the representative, why did I not get a alert stating that a wire transfer was being done via text. Again, the representative was unable to answer that question. I also have my cell phone records, showing the incoming phone call from Chase bank on XX/XX/2021. I am requesting the full reimbursement of my {$20000.00} back into my checking account. This is fraud, and I refuse to lose {$20000.00} because of Chase negligence, and they are not taking any liability for not protecting my funds.I trust a chase bank for over 10 years, Ive never had an issue before as a relates to my funds being mismanaged. | ||||||
| 10/08/2019 | Yes |
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| I have a variety of credit cards with Chase, including the Chase Sapphire Reserve card which is the card I used to cash in points with Chase Ultimate Rewards in order to purchase a flight. I used the Chase Ultimate Rewards website as well as spoke with a representative to confirm the purchase I was making. Specifically, I booked a flight with XXXX XXXX to fly from XXXX XXXX to XXXX, with a layover in XXXX. During the booking process I was prompted to inquire if I was interested in an upgrade to a higher class of seat. The upgrade that I was prompted to was for what XXXX XXXX refers to as Premium Coach. On the website, this explains that this upgrade includes extended legroom, upgraded meals, free alcohol, a free baggage check, and some additional features. I was most interested in the increased legroom and upgraded meals. I spoke with an Ultimate Rewards representative who confirmed these were included in the upgrade. Additionally, prior to the flight I contacted XXXX XXXX directly to confirm that myself, my wife, and my XXXX year old son were all seated together, and also to confirm that we had the upgraded seating arrangement. This was confirmed. I understood that a domestic flight would likely not include these perks, specifically the additional legroom and upgraded meals, but anticipated it would be included in the international flight. When we boarded our seats on the international flight, provided by XXXX XXXX ( an XXXX XXXX partner ) we noticed that we did not receive what we had purchased. The plane was actually quite old, it did not have any media at all nor any charging abilities, but most importantly it not only had no additional legroom but was actually one of the tightest seats I've ever sat in. We were also not provided any complimentary alcoholic drinks or upgraded meals ( this was actually the worst food I've ever received on a plane, which is saying a lot ). Needless to say this flight was very difficult for my family and we were very unhappy with the misrepresentation. When I contacted Chase Ultimate Rewards while overseas I was told there was nothing they would do, that I could not contact the airline directly, and that if I wanted to make any changes I would be required to pay for several change fees and that it would be cheaper just to buy a whole new flight home. I was ultimately able to change my flight on XXXX XXXX to the Premium Coach that I believed I had purchased in the first place at a cost of almost {$1900.00}. This seat was consistent with the research I had done regarding XXXX XXXX premium coach seating, including all the features indicated above. Since returning I have made several efforts to contact Chase both through representatives of Ultimate Rewards and representatives of the credit card itself. The response I received was not helpful. I was advised that I booked my flight in the main cabin, and basically that all the features they indicated on the website were only possibilities and only available if the flight itself had them as an option. I would submit that this is fraudulent advertising. First, it was not clearly shown that only some flights would offer these accommodations. Further, I've since learned that none of the XXXX XXXX flights via XXXX XXXX offer these types of accommodations. So there is no way that I actually could have received the accommodations that the website was advertising. Moreover, the last supervising representative ( XXXX from the Oklahoma Call Center ) was incredibly rude in saying that they would do nothing for me, that I was not entitled to any compensation, and that I had absolutely no recourse in my concerns. Prior to reaching XXXX on this same day I sat on hold for approximately an hour while another Supervisor claimed to be looking into the situation, then I was hung up on. When I spoke with XXXX he indicated there was no notes from that prior supervisor, and that the complaint was previously looked into and that he was not going to discuss my concerns. During this process I've waited on hold for no less than 5 hours while individuals claimed to be looking into my concerns then was disconnected without a return phone call. I believe that I should be compensated for the additional money I was required to spend to obtain the flight that I had originally bargained for. Even if not for the full amount, some compensation for the cash and hundreds of thousands of points would be appropriate. Moreover, while overseas I was attempting to use my priority pass card to access a lounge at the XXXX XXXX on XX/XX/XXXX. The priority pass number was not working and the international line to Chase Reserve was also not accepting my call. I was advised by the worker at the lounge that Chase Reserve would reimburse me since one of my benefits of the card is access to the lounge. I spent approximately {$97.00} gaining access to the lounge. When I contacted Chase upon my return, I was told that I had previously been reimbursed and that this is only a one time thing. Chase was referring to XX/XX/XXXX when I first acquired the card and was told by Chase just to use my Reserve card at the lounge and they would reimburse me. I was also told that I could use it on both my outgoing and return flight with no problem. At that time I was never advised that this was a one time offer. Now I'm being told that they will not reimburse this expense, and that I should have read the finite details in my credit card contract that explained these rules. I believe that based on the Chase agent 's prior consideration and failure to explain this " one time '' rule, they have waived any contractual language to deny this. But more importantly, this is indicative of Chase 's unwillingness to do the right thing by their customers. While I have no doubt that Chase could not care less about me as a customer, I have spent hundreds of thousands of dollars on my various Chase cards and feel that I have been scammed as a customer. In both of these situations, Chase took advantage of me by failing to disclose that which was readily apparent at the time, and then rudely refusing to provide me with any recourse. | ||||||
| 04/07/2023 | Yes |
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| XX/XX/XXXX @ XXXX I contacted Chase customer service as I had noticed a significant amount of fraud had taken place from XX/XX/XXXX to XX/XX/XXXX while I was in patient in the hospital. I spoke to the representative and they stated that I needed to dispute the charges with XXXX, and XXXX first, but that they would put a stop on any XXXX transactions from coming out of my bank account until this was resolved. I begin the process of disputing with XXXX and with XXXX, and those claims were said to have found fraud, but that they were each pointing the finger at each other, and saying that Chase need to be responsible or the XXXX or XXXX did no one want to take responsibility. XX/XX/XXXX I noticed that {$4000.00} in XXXX charges were still being taken out of my account so I went into the XXXX branch and the young gentleman in there helped me to dispute all the rest of those charges and actually this time ended up canceling my debit card and issuing me a new one that would be mailed to me. stating that he did not understand why these charges were still being taken out since I had to speeded on XX/XX/XXXX. He said that these funds will be put into my bank account while they investigated and then it would be probably 48 hours before they even got all XXXX documents that he helped me fax in supporting that I had my account hacked, and that this was fraud. XX/XX/XXXX the funds have never been added to my bank account while they investigate I noticed that charges are still coming out of my account from XXXX and other {$700.00} worth so I contact Chase customer service and the customer service rep informs me that the new debit card has been mailed to me that I have not yet even received is now activated and is already having fraudulent charges taken out on it. We file claims on those charges. And I was told those funds will be deposited into my account while I wait which they were never deposited either. I told bank it sounds like this is an internal job as theres no other explanation as to how someone receive that debit card information and activated the card before I ever even received it. XX/XX/XXXX we try to use our debit cards and nothing is working on them so I go into the bank and they stay to me that they are closing out my account and not refunding my money. As Im sitting there with the bank employee only at that moment did I receive a letter through email stating that they needed to get in contact with me immediately and I needed urgently contact them or they were going to close my account. She is on the phone with them at that very moment and they said that my account is already closed and that They were giving no explanation. So the letter was just to save face because they were not going to give me the opportunity to discuss anything with them. They had already determined that they were closing my account long before they even gave me the opportunity The reasoning they said that it came from an identifier of mine whatever that means then they changed it and said that they had sent me a email on XX/XX/XXXX while I was in the hospital and that I confirm that these charges from XXXX were from me. I showed the bank teller right there that I did in fact have an email and showed him that I had never even opened let alone confirmed it and he saw that with his own eyes and even pass that information along to the representative on the phone. Regardless, I had called on XX/XX/XXXX to report fraudulent charges and they did not stop these payments from coming out. so knowing that the accounts were restricted or closed, I let them know that mine and my daughter whos on a high school checking account attached mine paychecks would be direct deposited on Friday and it was Wednesday so they were probably already sitting there at the bank, waiting to go into our account. and they assured me that those checks would be able to be deposited and that will be able to come to the bank and withdraw All the funds. XX/XX/XXXX I go onto Chase Bank branch to withdraw our funds, and they said that our paychecks has been returned to our employer even though they had told me that we would be able to withdrawal them once deposited even though the account is restricted. I leave the bank very upset go and call my employer who stated to me that they in fact, have not returned our paychecks to them and they still show deposited. So I called customer service and spend two hours on the phone with them being sent from one clueless person to the next. Only then getting sent to another person who accidentally dropped the call. So I then call the XXXX branch and speak with XXXX again who tells me oh yeah, it could take up to three days for that to show back up with your employer, although she failed to tell me that while I was actually in the branch earlier so now I am out the {$6000.00} in fraud that was preventable had Chase did their job and not Continued letting XXXX charges come out of my account but Im also missing mine and my daughters paycheck equally {$3500.00} so Im out over a months worth of income and my electric bill is due and theyre going to shut it off tomorrow if not paid and Im a single mother to a XXXX XXXX child who is on a XXXX XXXX XXXX XXXX so electricity is very important and we will have to go stay with someone until this is resolved and Chase says theres nothing that they can do to help me. I have contacted an attorney today as I have all documentation to back up what Im stating and I am pursuing legal action. As it is their right to close my account out if they so choose but it is not there right to take my money and give me no reason as to why they arent refunding it, or is it there right to hold or steal my paycheck and my daughters paycheck from us. I disputed the charges in the way they had told me to they did not do what they told me they would do and they will offer no explanation as to why they are doing what theyre doing. This is causing me a lot of stress and grief, and I plan to pursue this to the fullest unless they reimburse me what they owe me due to their negligence in keeping my money safe as a bank is supposed to do. | ||||||
| 02/08/2023 | Yes |
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| Below this message is a notice that was sent to Chase bank regarding a dispute made against XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a sofa that was not delivered, and weeks past the scheduled delivery date we still had not heard from the vendor. The dispute was filed on XX/XX/XXXX and on XX/XX/XXXX the vendor finally made contact and scheduled a delivery date of XX/XX/XXXX. Due to the newly scheduled delivery date we contacted Chase bank and asked if we should close the dispute or wait until delivery. We were advised multiple times on different phone calls that we should leave the dispute open to make sure everything goes as planned. Unfortunately, on XX/XX/XXXX Chase Bank ruled in favor of XXXX XXXX even though the dispute with the vendor was ongoing. As part of the conversations with XXXX XXXX we were promised a full refund if we were unsatisfied for any reason. On the delivery date, XX/XX/XXXX, we immediately noticed the item arrived damaged and contacted XXXX XXXX to initiate the refund request. The vendor did not process the request and made no communication until we were accidentally forwarded an internal XXXX XXXX email communication on XX/XX/XXXX from XXXX XXXX, the General Manager, stating that we have not and will not be receiving a refund due to a credit card dispute that was made previously. A follow up email on XX/XX/XXXX sent by another XXXX XXXX employee clarified that they will not be providing a refund, but when Chase Bank ruled in our favor on the card dispute we would get our funds back from the bank. We submitted an appeal on the closed dispute to Chase Bank that included pictures of the damaged item and we included the screenshots of the emails from XXXX XXXX showing they would not give a refund and that they expected Chase Bank to find in our favor. After calling multiple times over the past month and a half to check on the status of the dispute we were ensured that there would be an update within a few weeks and that because we provided the additional communication we should be fine. Multiple times the representatives told us that our documentation was not in the system and we needed to re-upload all documents, but when we would call back a different representative said there were no issues. Every customer service representative had a different story, but not one of them mentioned there would be any issue of timing on our dispute. Finally, we checked the dispute status online and realized ( though no communication from Chase Bank was ever provided ) that the dispute appeal was denied on XX/XX/XXXX as well. When we contacted Chase to follow up they mentioned that the deadline to file a dispute had passed. This is completely unacceptable because we followed every instruction provided by Chase bank throughout the entire process, were never informed of any deadline, and appealed as soon as possible once the item had been delivered. We have tried to call multiple times since and the customer service in the dispute department has been incredibly unhelpful, dismissive, and rude. Chase Bank has tried to find any reason to not rule in favor of us and protect the consumer even though the vendor themselves recognized that the bank should close the dispute in our favor. Chase Bank was untruthful and predatory, and we were intentionally misled by Chase representatives on multiple occasions. We are writing to dispute the decision on claim ID no. XXXX and offer additional documentation that proves that we as consumers have taken every recourse available to us to return this furniture and receive a refund as guaranteed by XXXX XXXX for a lack of " satisfaction on delivery. '' XXXX XXXX has thus far failed to respond to our attempts to communicate regarding this. " We ordered the large " Song '' sofa and ottoman from XXXX XXXX XXXXXXXX on XXXX with a guaranteed delivery date of XX/XX/XXXX. On XX/XX/XXXX after receiving no communication or updates from the company, we reached out to XXXX XXXX for an update on delivery. We received no communication until XX/XX/XXXX when XXXX XXXX sent out a blanket message stating that XXXXXXXX XXXX XXXX was under new ownership and were experiencing 6-8 week long additional delays but could not provide any firm ETA or even confirm the status of the order. Concerned, we immediately reached out to XXXX XXXX on XX/XX/XXXX and failed to receive any response until we instigated a chargeback of the {$6500.00} payment through Chase. On XX/XX/XXXX we were finally able to reach XXXX XXXX who promised to deliver the furniture by XX/XX/XXXX and guaranteed via email on XX/XX/XXXX " satisfaction on delivery ... if you are not happy with the pieces once they are in your home, we would then start a return process. We would schedule the pick up of the items, and then send you a full refund check. '' We confirmed this with XXXX on XX/XX/XXXX who guaranteed that we were permitted to return and receive a refund for any reason. We reached back out to Chase who advised us not to close the chargeback despite the updates. On XX/XX/XXXX, the furniture arrived with the denim slipcover damaged and stained in multiple places, with standard feet not the bun feet we ordered ( an error on part of XXXX which was confirmed to be rectified by XXXX XXXX, and without the second slipcover in linen. We immediately reached out to XXXX to document the damage and instigate a return/refund. We've called and texted the merchant ( XXXX XXXX ) multiple times, most recently on XX/XX/XXXX, but have received no response since. Additionally, we have no update on the status of the second slipcover in linen priced at more than {$2000.00} of the total cost. We have made every attempt to process a return of the furniture and receive a refund as was promised by the merchant, who as of yet has failed to uphold their own return/refund policy and have made no attempt to communicate with us. Attached are photographs documenting the damage and stains to the slipcover, our order from XXXXXXXX XXXX XXXX and written communication from XXXX XXXX detailing their satisfaction on delivery/subsequent return/refund policy. '' | ||||||
| 06/25/2017 | Yes |
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| I never authorized these companies to check my credit. Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud. Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud. Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX No phone number available Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX No phone number available Show less Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX/XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX No phone number available Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX No phone number available Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, UT XX/XX/XXXX No phone number available Show less Account name XXXX XXXX XXXX XXXX Date of request ( s )XX/XX/XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX By federal law, your personal credit report must list all organizations that have requested your credit history. If you have evidence or reason to believe that this inquiry is the result of fraud or identity theft, you may Contact us to dispute the inquiry and we also will place a fraud alert on your credit file to protect it from further fraud. Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Show less Account name XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting Show less Account name XXXX/XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX Show less Account name XXXX Date of request ( s ) XXXX/XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Show less Account name XXXX XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Comments On behalf of XXXX XXXX XXXX for Insurance underwriting Show less Account name XXXX XXXX Date of request ( s ) XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX | ||||||
| 07/20/2022 | Yes |
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| I was written a check by my boss on XX/XX/2022 for an amount of {$1900.00}, and I attempted to deposit it on XX/XX/2022. He wrote it extremely poorly, so Chase Bank flagged it as an altered check. Instead of flagging just the check/bouncing it, or even notifying me that there was an issue, they restricted my entire account. I called them back on XX/XX/2022 in the evening after noticing that my account had been restricted. The representative of Chase Bank that I spoke with assured me that all I had to do was wait 5 business days from the initial deposit and if it was a " good check '' ( as he put it ) then everything would be fine and the restrictions on my account would be lifted. He told me that all the funds in question would be in my account by XX/XX/2022. I checked my account on that day and the funds had been deposited. The next day ( XX/XX/2022 ), I noticed that Chase had closed my account and withdrawn all of my money, aside from {$270.00} ( cash ) which I had just deposited into the account through an ATM. I called them again that night irate, and they told me that they closed my account and withdrew my funds themselves because I had failed to contact them within 10 days to resolve the issue. That was completely not true as I did try to reach out to them and after being passed around between multiple representatives I was told that all I had to do was sit and wait till the 5th bushiness day was up, which is what I did. He then hung up on me without helping me resolve this issue. I could not call back again as they were then closed at that point. I had to call back again the next morning on Saturday ( XX/XX/2022 ) at XXXX XXXX to discuss to figure out what was going on and why they closed my account. The person I spoke with said they were having issues with verifying who was writing me the check. He told me because I did not reach out within 10 days they closed my account. I told him that was absolutely not true. He also told me that part of the issue with verifying the check was that if I looked at the check I would see that the check says that the company and bank from which the funds were coming from was located in XXXX. That is not what was on the check. The address on the check was in XXXX, Pennsylvania. He then spoke with their " backroom '' and eventually got approval to reach out to my boss directly and verify all the information with him. They did so and were able to get in contact with him. My boss verified everything with them, and the Chase representative then told me that everything had been verified and that he would go ahead and reopen my account and that all my funds would be returned by XXXX XXXX on Monday XX/XX/2022. I asked him thoroughly whether the request would start being processed on Monday ( XX/XX/2022 ) or if it would be finalized and if all the money in my account ( including the original check in question for {$1900.00} ) would be back in my account or all of my money that was previously in my account aside from the {$1900.00} would be back in the account. He told me that my account would be reopened and ALL of my money would be back in my account ( including the {$1900.00} ). I checked on Monday ( XX/XX/2022 ) and nothing had changed, so I called back again at the end of the day and asked again what was going on and why they hadn't reopened my account and put my money back in it. The representative I spoke with told me that their " backroom '' was reviewing the request but that it would actually take time to fully process it and that it would be done by today ( Wednesday XX/XX/2022 ) at XXXX XXXX and to call back again if it wasn't due to their being another issue. This means that I was given misinformation yet again by the representatives about when the issue would be resolved by. I called back again today as I saw that my account had finally been reopened, but not all my money had been put back in it. All of my money aside from the {$1900.00} had been returned to my account. So, I called back again today ( XX/XX/2022 ) around XXXX XXXX to see what the issue was now. The representative told me she did not know why the rest of my money had not yet been returned to me but that it would take time and tried to assure me that it would eventually be back in my account and to just wait. She would not give me an estimated time frame of when my money would be returned to me as she was not able to see that information, so I asked to speak with her supervisor who would be able to provide me with this information. While doing so, she had the audacity to tell me that they were doing me a favor by reopening my account and returning my money to me after she had just admitted that they were at fault for all of this. She connected me with her supervisor who told me that my remaining money was being held and suspended by them and that a request to have my money returned to me still hadn't been filled out and submitted yet, so if I didn't call to check in again on what was going on, it likely would never have been sent. I checked with my boss before making this call and he told me that the money had still not been returned to his account either, meaning that Chase would have kept the money. The supervisor then kept me on the phone while she filled out the request and submitted it. When she had finished, she told me that it may take up to Wednesday ( XX/XX/2022 ) for all of my money to finally be returned to me. Throughout this whole process, they gave me no warnings or notifications that this was occurring and I had to rely on myself noticing these things happening to reach out and figure out what was going on. They also continued to provide me with misinformation every step of the way. I had to call and speak with them a total of 5 times over two weeks to make progress. For the past two weeks, they closed my account, and I did not have access to any of my money. They had the audacity to say they were doing me a favor by helping me out after admitting that this was all their fault. AND, it will still be " at most '' another full week before I have access to all of my funds. | ||||||
| 04/04/2018 | Yes |
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| We believe Chase has violated the ECOA and Regulation B and the CFPB and FTC rules prohibiting unfair and deceptive trade practices in its handling of our HELOC application. Background Our current HELOC with Chase was set to expire in XX/XX/XXXX. We had no balance on the account. On XX/XX/XXXX we submitted an application at Chase for a new HELOC of {$320000.00} to replace the existing HELOC. We both have personal checking accounts with Chase and a joint savings account. We also have a credit card account and XXXX has a business account with Chase. We have been Chase customers for 20+ years and so Chase has extensive financial information on us and had the authority to receive information from others based on the authority we provided in the loan application. XXXX is XXXX and at the time of our application was employed as a XXXX XXXX XXXX XXXX XXXX. XXXX retired on XX/XX/XXXX. XXXX is XXXX and in the process of closing his business. He filed his final business tax return for the year XXXX. XXXX is XXXX and receives social security benefits. Based on the counteroffer letter XXXX has a credit score of XXXX and XXXX has a credit score of XXXX. Our only outstanding debts are our {$200000.00} first mortgage and credit card debt that is paid in full monthly. Issues 1. Chase provided us with a counteroffer letter on XX/XX/XXXX that did not include the reasons for adverse action as required under 12 CFR 1002.9 ( a ) ( 1 ) ( i ) and ( iv ). Copy attached. Chase used Model Form C-4 as is permitted under Comment 9 ( a ) ( 1 ) -6 however the letter was revised to delete the following : We are unable to offer you credit on the terms that you requested for the following reason ( s ) : _____. The letter did not inform of us our right to receive the reasons for adverse action if requested. When XXXX called Chase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request the reasons for adverse action and/or the procedure for requesting this in writing if required. Each representative informed her that we received a counteroffer letter and that the reasons for adverse action were only provided if our application was denied. Regulation B defines adverse action as both a denial of credit and a counteroffer. 12 CFR 1002.2 ( c ) ( 1 ) ( i ). The only time a counteroffer is not adverse action is when the applicant expressly accepts the credit offered. We did not accept the counteroffer. A statement of specific reasons for adverse action is required after taking adverse action on a complete application. 2. The application process was long, difficult and confusing. In the course of phone calls with various Chase representatives during the application process, XXXX was informed that ( 1 ) our combined income was insufficient ; ( 2 ) Chase needed to review our investment accounts to determine whether we were qualified ; ( 3 ) XXXX would be approved if she applied individually ; ( 4 ) XXXX withdrawals from his investment accounts to fund our sons start up were a concern ; ( 5 ) although we pay each of our credit card balances in full each month we would have to pay the balances ( not yet due ) of our XXXX and XXXX account in full before closing and if so, we would receive a line amount of {$20000.00} ; ( 6 ) the appraised value of our home was {$620000.00} and with our outstanding first mortgage of {$200000.00} the value of the collateral was insufficient ; and ( 7 ) the losses on XXXX business made it impossible to make the loan. Chase personnel informed XXXX that as a result of these concerns, federal law prohibited them from granting the loan terms we requested. We were unable to understand or apparently respond sufficiently to the myriad of issues Chase raised during the application process. The statement that federal law prohibited Chase from granting our request for credit is false and could mislead an applicant to think she had no option but to accept the counteroffer. The counteroffer letter did not inform us of our right to request the reasons for adverse action or provide us with the reasons as required by Regulation B. Finally, the statement that we were not entitled to the reasons for adverse action is false and misleading. Section 5 of the FTC Act prohibits creditors from engaging in unfair and deceptive trade practices and the Dodd Frank Act prohibits creditors from engaging in unfair, deceptive and abusive trade practices. Chases actions in handling our application were unfair, deceptive and abusive. 3. We applied for a HELOC from XXXX XXXX XXXX in the amount of {$370000.00} on XX/XX/XXXX. As part of the application process XXXX XXXX sent an appraiser to our home to do a full appraisal because its underwriting standards indicated that the public information available was dated and insufficient to prepare an adequate appraisal. The property was appraised at {$740000.00}. We received our loan in the amount requested on XX/XX/XXXX. We understand that the underwriting standards of financial institutions vary and that XXXX XXXX decision to make our loan based on the same information does not mean that Chase engaged in discriminatory credit practices when it refused to offer the credit line requested. However, based on the only information available to us -- Chases behavior in handling our loan application -- we question whether Chase followed its underwriting standards in reviewing our loan application and question whether Chase took adverse action on a prohibited basis such as our age and source of income. This behavior includes the following : ( 1 ) the multiple concerns Chase raised that made it frustrating and confusing for us to provide a response ; ( 2 ) its false statement that federal law prohibited it from making the loan we requested based on our creditworthiness ; ( 3 ) its failure to provide us with the reasons for adverse action as required under federal law ; and ( 4 ) its false statement that we were not entitled to those reasons after our multiple requests. We appreciate your help in addressing our concerns and are happy to provide any other information you require. Thank you. | ||||||
| 06/03/2021 | Yes |
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| On Thursday XX/XX/XXXX ; i went by appointment into Chase Bank branch situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, to open a checking account. Their employee by name Mr. XXXX XXXX XXXX ( Defendant employee ) opened a checking account for me, and set me up their online banking platform. Chase employee then asked me to key in my personal username and password on his employees computer, to see if i can log unto their online banking platform successfully. After i successfully logged into their online banking account platform, their employee then asked me to click on a link called XXXX XXXX, on my online account. I clicked on the link called XXXX XXXX on the employees computer. Upon clicking the XXXX XXXX link, my personal credit report including my credit score, immediately displayed on Chase employee 's computer in front of their employee. To my utmost disgust and humiliation, the Chase employee turned the computer to face himself and insolently read my personal credit score and credit report details for at least two ( 2 ) minutes without obtaining authorized consent from me. My personal credit score and credit report details were largely displayed on Chase employee 's computer, and easily visible to any third party that could have walked into his desk. Chase employee then asked me to log out of my online banking account and Chase employee ended the meeting. Flushed with shock at the rude invasion of my privacy, i left the banking hall totally shaken and heavy headed. My heartbeat and blood pulse was racing so fast, it took at least another five ( 5 ) minutes for me to gather the strength to drive out of their parking lot. Chase employee actions compounded with the fact that i had a poor credit score, left me very embarrassed and emotionally injured to the extent that, i could not put in a full days work as a XXXX XXXX that day. I had to close work early, as I was left in tears all day by the incident. As a XXXX woman, i also felt racially discriminated by the incident because citizens of other races, are not made to expose their personal credit score and credit report details to Chase employees during and after a checking account has been opened for them ; unless under very exceptional conditions as described in FDIC Law, Regulation and Related Acts Miscellaneous Statutes & Regulations 31 C.F.R. 1020.220 ( a ) ( 2 ) ( ii ) ( B ). Later on that day, unable to bear the pain of my emotional injury, i wrote an email to Chase employee to explain how i felt, but did not receive a response nor apology from the employee. I therefore sued Chase Bank at the Northern District of Georgia XXXX Division with civil suit number 1:20-CV-4771-WMR-JKL. In that suit I prayed the court to rule on 5 counts in my favor as follows ; 1 ) Defendants willful violations of the FCRA. Relief sought were ; a ) Punitive damages for willful non-compliance. b ) Actual damages c ) Legal and statutory costs 2 ) Defendants negligent non-compliance of the FCRA. Relief sought were ; a ) Actual damages b ) Legal and statutory costs 3 ) Tort of Invasion of Privacy. Relief sought were ; a ) Punitive damages b ) Compensatory damages c ) Legal and statutory costs 4 ) Tort of Negligence under O.C.G.A 51 ET SEQ. Relief sought were ; a ) Special damages b ) General damages 5 ) Tort of Breach of legal duty under O.C.G.A 51 ET SEQ. Relief were ; a ) Actual damages b ) Legal costs and statutory costs In response to Chase Bank 's motion to dismiss, the court presided by Hon. Judge XXXX validated all my FCRA claims, and thus allowed counts 1, 2 and 4 to proceed for due process. He added that Chase Bank 's employee 's actions of reading my private credit report and credit score after the checking account had been opened, amounted to curiosity which is not allowed under the FCRA. I however had to voluntarily dismiss proceedings during discovery for some personal reasons. I however submitted a settlement proposal to Chase Bank and their Attorneys to settle this matter, but Chase Bank has refused to participate in settlement discussions on this matter. Though their Attorneys had stated that they interested in settling this matter out of court, they have rejected any offers from me and they have not shown any interest in settling this matter. I am by therefore by this complaint requesting the CFPB to open an independent investigation into this case and confirm the following ; 1. Whether Chase employee actions as described above amounted to wilful non-compliance of the FCRA 15 U.S.C. 1681 et seq. 2. Whether Chase employee actions as described above amounted to negligent non-compliance of the FCRA 15 U.S.C. 1681 et seq. Since CFPB is the authority on regulatory compliance of federal statutes by financial institutions, I will be very grateful if the CFPB will issue an independent ruling on this matter. If CFPB finds Chase Bank culpable of FCRA violations, then I request the CFPB to assist me to recover total damages of at least USD XXXX with breakdown as follows ; 1. USD XXXX as total actual damages under FCRA 15 U.S.C. 1681n ( a ) ( 1 ) pg79. for willful non-compliance of the FCRA. 2. Another USD XXXX as total actual damages under FCRA 15 U.S.C. 1681o ( a ) ( 1 ) pg80 for negligent non-compliance of the FCRA. XXXX. Punitive damages as determined by CFPB under FCRA, 15 U.S.C. 1681n ( a ) ( 2 ) pg79. This is because my total damages including lost wages and cost of litigation amounted to USD XXXX. For ease of reference, I am attaching the following documents to this complaint ; 1. ) The court Complaint I filed with the court on XXXX XXXX. 2. ) The order from the court on Chase Bank : motion to dismiss. ( both non-final and final order ). 3 ) My settlement proposal to Chase Bank on XX/XX/XXXX. 4 ) An email from Chase attorneys rejection my offer. 5 ) My court disclosures which confirms my total damages on this case. I am available to furnish the CFPB with any document you may deem necessary for your investigations, and I can be reached by email on XXXX and on phone on XXXX. Thank you. Best Regards, XXXX XXXX | ||||||
| 09/24/2021 | Yes |
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Web | Older American |
| I started by contacting my credit card companies by the second day i realized that my credit cards were stolen and lots of charges were made in a couple of days. I reported the theft of the credit cards and all my credit cards were accredited except for Chase Bank Freedom Credit card and the Chase Amazon CC. XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ). etc gave me back my accreditations within days. XXXX denied originally to comply, but when i told them that i could send them a copy of the police report they reopened the case and eventually in a couple of weeks gave me the full accreditation. I sent Chase Bank the same 2 copies of the police report that covered that I was the victim and what items were stolen from me like a wedding ring, watch, XXXX XXXX and XXXX XXXX XXXX XXXX. This happened like on XX/XX/2021 while i was in XXXX XXXX, XXXX XXXX on business and vacation and I saw a nice park I parked and went to see it and i was assaulted by like 4 or 5 guys, needless to say that I didn't put up a fight, but i was blessed cause within a couple of minutes a couple of police officers were on the scene and the thieves took off running. I didn't notice at that time that my credit cards were missing cause it was kind of dusk and dark and i was a bit traumatized and cause the cops gave me back my wallet and my car keys and the first thing I looked for were my USA ID 's and XXXX XXXX ID 's which they didn't take. Now I know that i should of checked also for the XXXX 's. Anyhow I've contacted Chase bank at least 8-10 times and Amazon gave me an accreditation of close to {$1600.00} and still had some other small charges not accredited, but the Chase Freedom card refused to clearly tell me on why they were denying the approx. {$3200.00} charges against my stolen Freedom Chase CC? They originally had what sounded like call center persons with extremely heavy accents an it seemed that they were getting the information from a log in their computers concerning my case. When Amazon CC found out that Case Freedom Card had negated the accreditations towards my card finally again like 2 days ago? Then yesterday one of their " real '' Investigators called me and said that they were going to charge me back for the accreditation they had given me of apprx. {$1600.00} like 3-4 weeks ago. Which I saw today that instead of like {$1000.00}, they had gone back up to like {$2700.00}. Chase Bank, their call center and their investigators led me to believe that they felt I had made these charges and I said, why would I a XXXX year old man, with some money. semi-retired and with a credit score rating always between XXXX would want to haggle life? Bottom line they were practically accusing me that i had done it. I originally did not cover with the CC companies that I was assaulted cause it was kind of embarrassing and I didn't think it was necessary and I was a victim regardless, but all my other credit cards companies did not even ask for a police report and when i offered the 2 pages of what was taken from me and that it was from an investigation police department here in XXXX XXXX that I was the victim and what was taken from me. Further more originally not only did i sent Chase Bank the police report after they had closed the case and reopened it while i emailed them the police report, I also sent them a copy of the XXXX card showing them on how they had accredited me close to {$1500.00} and then yesterday when the investigator for Chase Bank want called me to et me know that after close to 2 months of investigations and knowing that Chase had already closed the case, he proceeded to tell me that after like a month after they had given me most of the accreditation of {$1600.00} they were adding it back in to my balance. Up to yesterday i showed like a $ XXXXbalance and today i checked and sure enough they had added the {$1600.00} or so bac in and now i have like a {$2700.00} balance. Furthermore on yesterdays conversation with the investigator, he told me that he had never received the 2nd page of the police report section that described the items that were stolen, so I asked him should i send it to him and I did along with XXXX XXXX and XXXX XXXX accreditations, so he could see that the other cc banks trusted me. I feel no matter what i would have done? They would have denied me the accreditations. By the way they have accredited me the Chase debit card fraudulent charges of about {$540.00} on my stolen cards. I have pulled my money out and i show only {$16.00} balance in there. The investigator/s have never touched on the debit card accreditations matters and i never brought up at the end but somehow. I think i will. I never thought ti would ever go through headaches trying to get chase to accredit me for these fraudulent charges to no avail. During the investigation from Chase Bank i mentioned the Fair Credit Billing Act ( FCBA ),, which tends to protect me or anyone against fraud, credit card theft, hacking, etc. and Chase Bank didn't care and didn't even comment on it. During this mess i have misplaced half of my police report, but that is not a problem and can always go to XXXX XXXX XXXX XXXX with those investigators to give me another one. I thought with a simple 2 page police report exposing what was stolen and that I was the victim in this case that should have been enough as it was for the other CC companies. Please I believe the investigators name is XXXX XXXX ( at least that's where the email refers to ) and the investigation department 's number is ( Chase Recovery ) XXXX XXXX and their email direct is XXXX. I hope this may resolve the problem. See what you can do for me by contacting them. And then i i need to/ I'll get all the CC 's copies emailed to you that accredited my accts and also the 2 pages that proves that I was a victim in this fraudulent case. Keep this in mind, I've been doing this via email and or phone calls through the MagicJack system while I've been here in XXXX XXXX and still I'm. For more information call me direct to my US number XXXX XXXX. XXXX XXXX. Thank You. | ||||||
| 12/15/2021 | Yes |
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| Dear Sir or Madam, XXXX. JPMCB XXXX Account XXXX : XXXXPlease correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with JPMCB XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 05/19/2020 | Yes |
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Web | Older American |
| Timeline for Trip Cancellation Claim with Chase Sapphire Credit Card XX/XX/XXXX : we were told by the claims customer service agent that pandemics had been excluded from our trip cancellation insurance coverage. However, we have a Guide to Benefits that was mailed to us by Chase that does not exclude pandemics from coverage. This is the Guide we were provided when we started to make deposits for our trip to XXXX. We started making deposits in XX/XX/2018. The agent instructed us to submit a claim online. XX/XX/XXXX : We cancelled our trip and submitted the claim due to the recommendations of our primary care provider to self-quarantine. XXXX is XXXX and has risk factors that increase his chances of serious COVID19 complications. Also, The US Department of State issued a level 3 travel advisory to avoid travel for older adults. And the Governor of our State issued a Stay At Home order prior to our departure date. XX/XX/XXXX : Claims.com requested a copy of the Guide to Benefits which we provided. XX/XX/XXXX : We received the first denial of our claim with the following reasons : The reason for cancellation does not meet the definition of accidental bodily injury or illness. Please refer to your Guide to Benefits for the definition. The reason for cancellation does not meet the definition of quarantine, as outlined in the terms and conditions. Please refer to the definitions listed in your Guide to Benefits for confirmation that this incident does not meet the criteria. Government travel restrictions are not a covered loss under your Trip Cancellation/Interruption Benefit. Please refer to the Covered Losses in your Guide to Benefits for confirmation that this incident does not meet the criteria. XX/XX/XXXX : We emailed the claims requesting information on how to appeal the XX/XX/XXXX decision and noted the current COVID crisis public health information defines self-isolation as a form of quarantine. In addition, the Governor of New Mexico issued Stay At Home orders and self-quarantine orders prior to our departure date. The Guide to Benefits does not define this term ( quarantine ), we believe our claim is valid. XX/XX/XXXX : XXXX emailed indicating that our claim would be referred to a higher level of review. New claim number : XXXX XX/XX/XXXX : Second denial letter below : We believe one of the criteria is applicable to justify trip cancellation, Quarantine imposed by a Physician for health reasons based on our justification listed above. But the Claims agent refers to a CDC definition since the actual Guide to Benefits does not define the term quarantine. This does not seem fair to the consumer since various news outlets, government agencies, etc. have been referring to social isolation and Stay At Home Governors ' orders as a form of quarantine. The following is the second denial letter We have completed our review of your second appeal for coverage under the Trip Cancellation/Interruption benefit. A review of the claim file confirms you cancelled your trip to XXXX due to elevated health risks surrounding Covid-19. You state this claim should be covered because there was no exclusion for pandemic at the time the trip was purchased, and because the Governor of New Mexico has issued a stay-at-home order which you feel qualifies as being quarantined. Please be advised that the complimentary travel benefits provided through the Chase Sapphire Reserve credit card do not include cancel for any reason trip cancellation coverage ; the loss experienced must meet the criteria of a covered loss to be payable under the policy. If your travel plans change, even for an understandable reason, it does not guarantee the reason for the change will meet the criteria for coverage. Please refer to the What is Trip Cancellation insurance? section in the Guide to Benefits ( effective XX/XX/18 ) for confirmation of whatCovered Loss means ; this incident does not meet any of the criteria that follows. Accidental Bodily Injury, Loss of Life, or Sickness experienced by you, a Traveling Companion, or an Immediate Family Member of you or a Traveling Companion Severe weather, which prevents a reasonable and prudent person from beginning or continuing on a Covered Trip Change in military orders for you, your Spouse, or your Domestic Partner A terrorist action or hijacking A call to jury duty or receiving a subpoena from the courts, neither of which can be postponed or waived Finding your or your Traveling Companions dwelling to be uninhabitable Quarantine imposed by a Physician for health reasons Financial insolvency of the Travel Agency, Tour Operator, or Travel Supplier whose services you booked The physicians statement provided did not indicate that you had been diagnosed and treated for an illness which prevented you from traveling ; it confirmed you were advised not to travel until the Covid-19 outbreak resolves due to factors putting you at an increased risk, such as age and pre-existing health conditions. Additionally, the reason for cancellation does not meet the Guide to Benefits criteria of Quarantine which requires that the quarantine be imposed by a Physician for health reasons. Please refer to www.CDC.Gov for confirmation that a quarantine separates and restricts the movement of people who were exposed to a contagious disease to see if they become sick. No evidence has been provided to support you were exposed to a contagious disease and, consequently, quarantined by a physician. Finally, a change in plans, unless resulting from a Covered Loss, is specifically excluded within the What is not covered by Trip Cancellation insurance? section of the Guide to Benefits. We understand this is not the outcome you desired but we hope that our response helps you to better understand our position. If you have any questions or need further assistance, please call our Customer Service Department at XXXX XXXX XXXX XXXX. If you are calling from outside the United States, you may call us collect at XXXX. Representatives are available to assist you 24 hours a day, 365 days a year. | ||||||
| 05/23/2019 | Yes |
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| Re : Chase Bank Deceptive Advertising and Sales Practices I am a 20 year account holder with Chase Bank, a retired senior citizen, and have recently had a financially and emotionally distressing experience while attempting to take advantage of one of their promotional offers. I would like to respectfully request an investigation into their promotional, advertising and sales practices. The promotional offer that I received from Chase provided for XXXX reward points ( convertible to {$600.00} ) or {$750.00} to convert my service charge free checking account to a Chase Signature Checking Account. The offer was contingent upon bringing {$75000.00} in new funds to their bank. After verifying with Chase employees that transfers from my IRA accounts with an outside institution would qualify, I initiated and transferred almost {$60000.00} in funds and authorized my account change to the Chase Signature Checking Account. The remaining funds were to come from a money market account that I maintain at another local institution. Immediately after the account type was changed on the system and the banker returned to her desk after processing the IRA deposits, I questioned the exclusions that were detailed in disclosures that she had set aside next to her keyboard. After checking with her manager, I was advised that the funds that were just deposited, did not qualify. For weeks, I was repeatedly told I would be contacted to see if there could be any accommodation. However, I have not received any calls or follow up. My follow up contact and calls with the banker were returned with no additional information provided. I recently returned from a month-long trip and did not find any further contact from Chase or the banker. After setting yet another appointment with the banker upon my return, I tried to change my checking account back to my service charge free checking account. I was told that there are minimum balance requirements, now in effect, that are required in order to avoid service charges on my checking account. I was also advised that the previous checking account waiver no longer applied. I have detailed the specifics below. XX/XX/2019 Received email with Sapphire Banking Promotional Offer from Chase to change my Chase checking account to their Sapphire Checking and receive XXXX Reward PointsXX/XX/2019 Was in Chase Branch. Asked Personal Banker if Sapphire Checking Promotional Offer included funds in IRA accounts. She set up appointment for later that afternoon for us to meet with Private Client Advisor. During that meeting, I showed PCA the offer. We discussed investment options for IRA funds and determined that I should set up a You Invest Account. He called a You Invest contact to verify if Traditional and Roth IRA accounts would qualify for the offer. He then walked me through the set up of my You Invest Roth IRA on my smart phone. He also gave me an instruction sheet to transfer the IRA funds as a direct rollover. Personal Banker said she would assist me with depositing the funds when I received them and also with completing the promotional offer. I went home and set up my You Invest Traditional IRA account. XX/XX/2019 Upon receipt of my You Invest Account numbers, I contacted the institution where my IRA accounts were housed. Using the direct transfer instructions from the PCA, I requested transfers of my Traditional IRA and my Roth funds. XX/XX/2019 Upon receipt of the checks, I contacted the Personal Banker and set up an appointment for to fund the You Invest accounts, complete the checking account changes and determine account options for the remaining balances I would be transferring to Chase from my Money Market account at another local financial institution. The PB started off our meeting by processing the promotional offer for the Sapphire Checking account change. She let me know that I also had an option of receiving {$750.00} instead of the XXXX reward points ( convertible to {$600.00} ). I decided on cash option as opposed to the rewards. She printed out some paperwork, set it aside and then contacted the You Invest Area to determine the appropriate steps to fund the You Invest IRA accounts. She completed the necessary You Invest paperwork, accepted my checks and excused herself to complete the processing of the deposits. While I was waiting for her to return, I glanced at the paperwork that she had set aside next to her keyboard after processing my account change. There were confusing stipulations for the {$750.00} Upgrade offer. Specifically, it detailed the following : Within 45 days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or J.P.Morgan investment accounts ( excluding CDs insurance products fixed and variable annuities ; 529 College Savings Plans ; any retirement accounts including but not limited to Traditional and Roth IRAs, Keogh, Simple IRAs, and 401 ( k ) Plans ). When the PB returned with my receipts, I asked about the exclusions. She, in turn, checked with her manager. Both agreed that my You Invest accounts were most probably NOT eligible. The PB said she would check further and let me know. XX/XX/2019 Left message for PB to call me. XX/XX/2019 PB called me back and set up appoint for XX/XX/XXXX to discuss. XX/XX/2019 PB set short term monthly service charge waiver on Sapphire checking account until further resolution to prevent monthly service charge. XX/XX/2019 Left message for PB to call me. She called back and set up appointment forXX/XX/XXXX XX/XX/2019 - PB said she had sent an email on XXXX about the stipulations in the promotional offer but had not heard back. She let me know that that the Total Checking Account that I had previously would now be assessed a monthly service charge if I maintained the balances that I previously maintained. She said that she would ask her manager to request a waiver from her district manager who was currently out of the office. She asked me to allow at least a week to see if it was approved. | ||||||
| 09/09/2017 | Yes |
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| On Friday, XXXX XXXX XXXX my husband and I went into the Chase bank on XXXX and XXXX in XXXX to open up a new credit card. This was our first experience with this company, but this would be my 2nd credit card. My husband needed to build his credit because he is from the XXXX and has just become a legal resident in the US about 1.5 months ago. Since he just recently received his US Visa/Green Card, state ID, and SS #, he has no credit history therefore he was denied on initial application for the Freedom Chase Credit Card ( which we expected might happen ). Then, since I have excellent credit and am a US citizen, we were talking about options for a credit card for me to apply for, and I could add him on as an authorized user ( but the Chase emplyee warned us that this would not help his credit, which we were OK with ). The Chase employee was discussing the difference between the different types of credit cards they had to offer. He told us that the Chase Sapphire Preferred card had XXXX points on food and travel, which is great for us because we fly a lot and enjoy going out to eat. He also told us about the XXXX points if we spend {$4000.00} in the first 3 months, which we thought might be doable. This card sounded most appealing because of the perks and travel benefits. We wanted to hear more about this card and then he gave us completely wrong/misleading information. First we asked if we could pay off my other credit card ( a Citi Card which has 13 % APR ) with this new card to hit the {$4000.00} mark. He said that we could do this and that this would count towards reaching the {$4000.00} mark and then we would be able to get the XXXX points. He also failed to mention that there is a HUGE 5 % fee to transfer credit balances. He did n't say ANYTHING about any transfer fees. He also told us that this Chase Sapphire Preferred Card was 0 % APR FOR THE FIRST 15 MONTHS which is completely false information. This was the reason that I we signed up for this card - who would n't want 0 % for 15 months?!?!? Our financial plan was to pay off my Citi Card ( 13 % APR ) with my new Chase Sapphire Card ( supposed to be 0 % APR ) to reach the {$4000.00} goal and get the benefits of the XXXX points, then we have more time to pay it off because it was 0 % APR for a whole 15 months. He agreed that we could do this and that it would count towards getting the points. But again he did n't mention that there was a huge fee to transfer the credit over between cards .... and even he we did transfer the money over and pay the 5 % fee, it would n't even count towards the points anyway because the {$4000.00} target is with services and purchases only within the first 3 months - not including credit transfers! So this would have been a HUGE mistake for us because we would have transferred all that money over for NO reason and NO benefit - we would n't get the XXXX points, we would have to pay a {$200.00} fee to transfer the money over, and then we would have to pay a whopping 24 % APR on {$4000.00} vs. 0 % as we were promised by this employee. If we left the balance where it is on the Citi Card we would only have to pay 13 % APR compared to 24 %. We feel completely mislead and we were straight-up lied to. This employee gave us false information that led to us making a big decision/mistake which will not benefit us at all. He also had me submit the application online so it would save him an extra step, rather than doing it in person and going over the details of the card 's benefits with us in person, I just did it online at his computer in his office while he chatted with my husband. I went through the application quickly because I was verbally told all about the card just moments before and he went over all the perks with us ( which again was false information ) so I trusted what he had told us and did n't read the fine print as thoroughly as I should of - he just went over all the details and so I thought I had a good idea of what the card had to offer. Now stuck with the card because he warned us that if we cancel the card, then it would negatively affect my excellent credit score. Why should I be penalized for a Chase employee 's mistake? So rather than cancelling the card ( it was already in the mail so it was too late ), we decided to keep the card so it would n't hurt my credit. So then we called Chase Bank on Saturday XXXX XXXX to complain about what happened and try to get a solution to our problem, as we feel completely trapped and mislead in this situation. We spoke with the same employee and he told us that he had to speak with his manager and then someone would get back to us. Then a Customer Service Representative called us back later that same day. She basically stated that the employee made a mistake, he gave us false information, and that " disciplinary action would be taken. '' So she admitted their fault, however, she did nothing to help us rectify the situation. We asked if we could get 0 % APR for 12 months instead of 15 months, or if we could get the transfer fee waived, and she basically told us a flat out NO and that we should just cancel the card. Well I do n't want my credit score hurt for someone else 's mistake, so we are keeping the card but now we have to try to get the {$4000.00} in the first 3 months to get the perks, and then hopefully pay it off completely before we have to pay the INSANE interest rate of 24 %. My Citi Card is 13 % and my credit is excellent so I can not believe how high that APR is for this new Chase card. But again, we feel stuck and now feel as if we have no choice but to use the card and try to reap the benefits. I feel that even getting 0 % APR for 10 months would be a decent compromise so we can take advantage of the benefits of this card, as we hoped to do initially when we were presented with this false information. As well as getting the credit transfer fee waived one time. I feel that this is only fair considering what we have been through, and I can not believe that Chase are not willing to help or work with us. | ||||||
| 12/25/2021 | Yes |
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| Complaint against JP Morgan Chase Bank and demand for documents and disclosures under TILA, RESPA and other lending laws. On XX/XX/XXXX I had a closing on the property XXXX XXXX XXXX XXXX, Michigan where purported XXXX XXXX XXXX XXXX XXXX allegedly loaned me some money to finance my purchase with the owners, XXXX and XXXX XXXX. As I later learned, XXXX was not a lender and not even originator, but merely an aggregator of my data which XXXX passed to someone else. The originator was allegedly XXXX XXXX XXXX XXXX XXXX, former XXXX XXXX XXXX XXXX who for some reason deny any involvement in my loan before XX/XX/XXXX merely as a Servicer. I did not see any receipts or any Proof of Lending from XXXX XXXX because I reasonably trusted and relied on XXXX Titles agents words that the payment on my behalf was made to the sellers, XXXX and XXXX XXXX. I also did not know that XXXX had a prior transaction for this property, {$200000.00} Deed of Trust/Mortgage with JP Morgan Chase obtained by XXXX on XX/XX/XXXX which was recorded in XXXX XXXX on XX/XX/XXXX. In XXXX XXXX had an original cabin which would worth at most {$50000.00}. In XXXX XXXX rebuilt this cabin into a house and sold it to me for {$130000.00}. Thus, it is unclear based on which appraisal report JP Morgan Chase originated this astronomic Mortgage {$200000.00} under such insufficient collateral. I was not able to find any Satisfaction of this alleged Mortgage on XXXX XXXX Recorder of Deeds ; and I was not able to find any proof of funding or records of my alleged Loan with XXXX XXXX, XXXX as well as any proof of lending by XXXX XXXX. All I have is information about some loan while nobody can find this loan ( money ) or provide me any proof that this loan was ever funded and any loan account receivable was established for this loan and is owned by my alleged Creditor, who is also missing. My alleged loan is a XXXX loan thus must be sold to XXXX XXXX. On XX/XX/XXXX XXXX XXXX sent me a respond to my FOIA request where they said that after two years of investigation XXXX XXXX has no records of my alleged loan. However, XXXX XXXX agents insisted that they received a wire transfer on XX/XX/XXXX directly from XXXX account, thus they must deposit it on their escrow account and pay from this escrow account to JP Morgan Chase to satisfy their alleged Mortgage with XXXX. When on XX/XX/XXXX I approached XXXX XXXX agents asked for this proof of lending, XXXX XXXX agents XXXX XXXX and XXXX XXXX informed me that they are prohibited to talk to me about this matter and called Police to escort me from the office. Which created a reasonable conclusion that nobody loaned me any money and nobody made any other wire transfers to anyone else whatsoever. I am currently under attack from XXXX XXXX XXXX XXXX XXXX XXXX XXXX companies who send me unsigned or electronically signed letters trying to extort from me payments for unknown to me parties on XXXX letterheads based on terms of my Deed of Trust which I also never had. As XXXX XXXX robo-signer XXXX XXXX said was sent to you in accordance with the terms of your Deed of Trust executed when you received your mortgage loan. I did not executed any Deeds of Trust. The same XXXX XXXX sent me a letter on XXXX letterhead XX/XX/XXXX that my alleged loan with XXXX was originated with a Mortgage, not Deed of Trust. However, Deed of Trust was assigned to Steins transaction, which I believe was the original and the only transaction in securitization scheme operated by most likely XXXX XXXX ( investment branch of JP Morgan Chase ) who initiated this chain of events with perhaps criminal loan with borrowed from most likely XXXX XXXX money to pay XXXX for their signature on alleged loan which, definitely based on appraisal fraud and fatally damaged my Property Title. After this initial securitization scheme was established in XXXX no further financing is necessary, only information about financing, which someone now wants to make me to repay. I have absolutely no evidence that I received any mortgage loan from anyone. All that I have is a pile of absurd lies in XXXX XXXX XXXX XXXX computer-generated letters, a Word table called financials with some absurd numbers generated by unknown to me party but never got a copy of the Ledger for my loan account receivable or any contact with the bookkeeper who created and maintain this ledger ; direct lies from someones call XXXX employee XXXX XXXX who has no idea who is the owner of my alleged obligation ; and letter from XXXX XXXX who XXXX that they dont have ANY records about my alleged transaction starting with XXXX. Under existing law the XXXX must be real and money loaned must be real. I am entitled for material proof that my transaction was with XXXX and that real money were loaned, not merely information about money to adjust previous transaction with XXXX and replace XXXX 's name with my name in someone's securitization scheme where XXXX were the original Investors who generated a windfall of profits on XXXX XXXX who started this scheme. I demand JP Morgan Chase to confirm payment to them by XXXX Title or any other party on XX/XX/XXXX as a full satisfaction of Mortgage dated XX/XX/XXXX with XXXX. I demand a copy of wire transfer to JP Morgan Chase from XXXX XXXX or any other party which can prove that payment {$130000.00} was made on my behalf to satisfy Mortgage with XXXX. I demand a copy of Satisfaction of Mortgage and Release of XXXX from JP Morgan after this wire transfer was made ; and explanation why this Satisfaction of Mortgage and Release was not recorded with XXXX XXXX. I reserve my right to demand more disclosures after JP Morgan provide me Proof of Payment such as copy of wire transfer or cancelled check/ACH to satisfy XX/XX/XXXX Mortgage with XXXX ; and a copy of lien release from JP Morgan accountant who received this wire transfer and wrote this Mortgage off as paid in full. Please include the name and contact information for the accountant such as business address ; phone number and email address. | ||||||
| 11/19/2019 | Yes |
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| My girlfriend, XXXX, recently closed her XXXX college savings account ( through the XXXX State government ) because the account must be used for college tuition and both of us have already graduated college. XXXX sent XXXX a check for the remaining account balance of {$34000.00}. We planned on using this money to make vital repairs to the home that we own together. Both of us are from XXXX and now live in XXXX, so neither of us have a bank account from a bank with branches in XXXX. On XX/XX/19 we attempted to open a Chase checking account for XXXX online so that we would be able to deposit the XXXX check locally. The online system would not allow her to open an account and gave an error each time she tried. We took the check to a Chase branch and asked the teller if we could open an account and make a deposit. She told us that they dont have many bankers working weekends and that they only accepted walk-ins during the week. We left and I tried to open an account online and it worked. XXXX endorsed the ( cashiers ) check for me so that I could deposit it into the new Chase checking account that I had created. On XX/XX/19 I deposited the cashiers check into the new Chase account. I had not endorsed it under her endorsement because I didnt know I needed to, but the teller did not notice the mistake and I was given a receipt for the deposit stating that the funds would be available on XX/XX/19. By XX/XX/19, {$200.00} dollars had cleared, but the remaining amound of the {$34000.00} were still marked as pending. I called Chase customer service and asked about the reason for the hold. The customer service rep put me on hold and said he would check with the department that put the hold on the deposit and would be right back. Eventually a different man answered and I thought that the phone system had redirected me to a different customer service rep. I explained that I was on hold for a different rep and that Im not sure why I got redirected to someone else. The man asked for my account details and I provided them. The man asked the reason for my call and I replied that I was wondering why my deposit had never cleared since it was getting close to a week from the deposit date. The customer service rep informed me that he was with the fraud prevention department and that he was suspending my account. He made it clear that the suspension was a serious action and specifically said that if I tried to writed checks from the account, they would bounce. If I tried to make debit card transactions, they would be declined. That I would have no access to any of the funds and would not be permitted to deposit or withdrawl from the account. I was shocked and asked for the reason. The rep told me that I was committing fraud and trying to steal someone elses money. He said that the check was not written to me and that it is a crime to deposit a check written for someone else into my account. I tried to explain that it was my girlfriends check, that we own a home together that is financed through Chase and that he could look that information up. I asked why I was never informed of this during the week. I asked how I would have ever known that the account was suspended and why Chase had not tried to contact me to clear the issue up. He told me that I would have figured it out once I tried to use the card and it got declined. I told him that XXXX had given me the check because the online system would not allow her to make an account and the branches didnt have enough bankers on weekends to allow us to create an account for her in person. He continued to make accusations, but finally told me to bring XXXX with me to a branch with our passports to verify our identities and the account would be unsuspended. XXXX and I went into a branch and explained the situation to the teller. One of the employees took us to an office, was very understanding and apologized profusely for the mixup. She verified our identities, called the fraud prevention department and told us that everything had been cleared up. She said the account was unsuspended and the check would be deposited within 3 days. On XX/XX/19 I checked the Chase mobile app and the check had cleared. All funds had be deposited and the hold was lifted. On XX/XX/19 I received a letter dated XX/XX/19 in the mail stating that the checking account was suspended and would be closed altogether. I checked the Chase mobile app and the entire amount of the check had been removed from the account. On XX/XX/19 I called Chase customer service and recorded the call. The customer service rep said he didnt know why the account was being closed but that he would transfer me to the appropriate department. I was transferred to fraud prevention again and was given the exact same story. The fraud prevention agent said that the check I was depositing was not for me and that they had no way to verify that it was meant for me. I told him that XXXX and I had gone into a branch and verified out IDs already. He said that there was no record of that ever happening. I asked why he could not call the branch that I had gone into and he told me that I would need to do it. He said XXXXhase could either mail me the check or I could create a new account and they would deposit it into the new account. I called the branch that I had verified my ID at and asked for the employee that had verified my ID. She was there and I explained that once again my account was suspended and that the check had been deposited and then taken back out. She againk apologized profusely and told me she would call fraud prevention again and clear it up. She called me back shortly after that and told me that she had talked to fraud prevention and that they would reopen the account and deposit the check. As of XXXX on XX/XX/19, the account is now gone from the Chase mobile app. It has been 15 days that this money has been essentially gone and our house repairs are still on hold since we can not put down the deposit with the contractor until we have this money. | ||||||
| 06/02/2023 | Yes |
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| On XX/XX/2023 approximately XXXX XXXX I attempted to withdraw funds in the amount of {$1000.00} out of my Chase account from the Chase ATM located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas. These funds did not dispense from the ATM. These funds were debited from my account. ( See Attached Document # 1A. ) No receipt printed. Remaining at the ATM, I attempted two additional transactions using the same Chase debit card at XXXX XXXX and XXXX XXXX. Each transaction was denied due to reaching the withdrawal limit. These receipts printed. ( See Attached Document # 1B. ) I filed my initial verbal Regulation e claim with Chase Immediately when the {$1000.00} transaction was not disbursed by calling the claims department at XXXX. Claim number XXXX. I was informed a temporary credit would be available within 12 hours. I remained in front of the ATM not allowing any other customers to use the ATM for approximately 1 hour. I was assured by claims that it would not be possible for another customer to obtain my undisbursed funds. I then used a debit card issued from XXXX XXXX to attempt a transaction being concerned that someone could come after me, make a transaction, the door would open and that person would have access to my funds in the ATM machine. The XXXX XXXX debit card transaction in the amount of {$20.00} went through at XXXX XXXX, dispensing only the {$20.00}. No receipt printed. XXXX XXXX ATM XXXX is attached. ( See Attached Document 1C. ) Shortly after this time I left the ATM. On XX/XX/2023 I noted the temporary credit was not applied to my account. Several attempts were made by phone to contact the branch located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas. These calls were not answered. On XX/XX/2023 the promised temporary credit was not received. I again attempted several calls to the branch located at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas as well as the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX XXXX, Texas. The calls were not answered. I called claims and spoke to an agent by the name of XXXX. I was informed I would receive a temporary credit today and an investigation would be completed in 30-45 days. On XX/XX/2023 the again promised temporary credit was not received. I took off work and drove from XXXX to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, Texas ( approximately 60 miles round trip ) to speak to XXXX, the branch XXXX. The branch manager informed me a written claim should be filed to speed up the claims process. The branch manager along with another staff member, XXXX, assisted with the written claim. I completed the Disputed Transaction Questionnaire provided by Chase ( Copy Attached Document # 2 ) and provided to the branch manager. I received three letters from Chase. One dated XX/XX/2023 ( See attached Document # 3 ) and two letters dated XX/XX/2023. ( See attached Documents # 4 and # 5 ). The first letter informed me I have received a temporary credit. The second letter stated the research was completed and the transaction was not charged to my account ( Please refer to Document # 1 ). The third letter stated I authorized the transaction and the temporary credit of {$1000.00} will be removed from my account of XX/XX/2023. On XX/XX/2023, I received all three of the above letters. I called claims. I was told unfortunately the claim was not validated. I asked for a video to be reviewed as there would be evidence I did not take these funds from the ATM as the door did not open for me to receive the money. I was told claims could not view the video. I received an apology that further action could not be taken as this is a final decision. On XX/XX/2023 I traveled approximately 60 total miles to the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX XXXX, Texas in hopes of speaking to the regional XXXX. I was informed there is not a regional XXXX at this location and spoke to XXXX XXXX, branch XXXX. She reviewed my account, the above information and documents. XXXX XXXX contacted claims and had the claim re-opened, Claim number XXXX. On XX/XX/2023 I received a call from XXXX XXXX. She explained a credit was deposited in my account this morning for {$1000.00}. She stated the claim was resolved, that by this time they could see the ATM was off by {$1000.00} and my money was returned. I was assured this was not a temporary credit and funds would not be again removed from my account. On XX/XX/2023 I went out of town to return on XX/XX/2023. On XX/XX/2023, I opened two letters from Chase, dated XX/XX/2023 ( See attached Document # 6 ) and another dated XX/XX/ ( See Document # 7 ) The first letter informed me I received a temporary credit of {$1000.00}. The second letter stated the research was completed, I authorized the transaction and the funds would be removed from my account on XX/XX/2023. On XX/XX/2023 I sent an e-mail to XXXX XXXX as she explained that was the best way to reach her due to the phones not always being answered at the branch. I received an automated response that she was out of the office until XX/XX/XXXX and to reach out to XXXX XXXX in her absence. ( See Attached Document XXXX. ) On XX/XX/2023 I forwarded the above e-mail to XXXX XXXX as well as XXXX XXXX, Chase Marketing Director in the XXXX area. I received a call from XXXX XXXX explaining she received the e-mail and has escalated the claim. I also received a call from XXXX XXXX, identifying himself as responding to the e-mail sent to XXXX XXXX in the XXXX area. He explained he would look into this claim and let me know something. He called later and explained the claim was actually denied because there was no discrepancy found in the ATM balance. XXXX XXXX explained the claim would continue to be escalated in the Chase banking system. IN SUMMARY : I did not receive the {$1000.00} I attempted to withdraw from Chase. Three Regulation e complaints were made. One verbally on XXXX, in writing on XXXX and again in person on XXXX. This matter has been unresolved for over 30 days from the initial complaint. | ||||||
| 09/18/2020 | Yes |
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| XXXX XXXX XXXX XXXX XXXX is franchised business, membership based pilates studio whereby they retain members financial information and charge monthly dues based on the contract the member signed. My contract was for unlimited in studio classes which could be taken in other locations as well as XXXX at the cost of {$210.00} per month. I have been a member for 3 years and taken 586 classes. The owner of this location is XXXX XXXX. Due to COVId-19 the studio was forced to close in XXXX XX/XX/2020. I had been billed for my monthly dues and questioned how these dues would be allocated upon re-opening. The then, General Manager, XXXX XXXX, responded that she had reversed my monthly dues and my membership would be on hold until XX/XX/2020. ( See attached email chain : XXXX ). XXXX XXXX eventually re-opened in XX/XX/2020, I was charged my monthly dues and everything was fine until XX/XX/2020, when I was charged my monthly dues of {$210.00} on XX/XX/2020. I then received a text message on XX/XX/2020, that the studio was closing effective immediately due to COVID-19 mandate. I responded to that text by stating I had been charged my monthly dues on XX/XX/XXXX, it was now XX/XX/XXXX, that it was fine to prorate the 3 weeks of my XXXX membership dues to when the studio re-opened, but dont charge any further. The XXXX response was XXXX. On or about XX/XX/2020, I noticed I had been charged again, {$210.00} on XX/XX/2020, for my XXXX dues. The studio remained closed since XX/XX/2020 through the writing of this complaint. On XX/XX/2020, I sent an email to the general manager asking her to reverse the XXXX charges and sent copies of my text messages referenced above. On XX/XX/2020, I received an email response from GM, XXXX XXXX, stating that unless you have requested your membership placed on Freeze, you will continue to be billed because we are providing virtual classes to members. XXXX XXXX email chain : XXXX ). My membership and all other XXXX memberships have nothing to do with virtual classes. They are contracts entered into for in studio, live classes with pilates instructors, reformer beds and other equipment. I later found out that an email had been sent through the XXXX XXXX telling Letter from XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Page 2 members they could place a Freeze on their membership, which generally costs {$15.00} per month, and I am unsure what XXXX charged during this time. XXXX has its own email system, that can be set up to notify members of their upcoming classes and changes. Many members opt out of this email system as we know our schedule and do not need or want more daily emails. The XXXX studio owner and manager have access to every members account and can easily see who is receiving the emails and who is not. I did not receive the email and thought everything was handled via text. Additionally, I could not fathom a situation wherein a business that had an agency relationship over my financial information would charge my credit card for a service they did not and could not provide. Its illegal. I responded to that email indicating same. I then reached out to another XXXX employee to find out what was going on. I was told that XXXX, the owner, is refusing to refund anyones membership dues and I should dispute the charge with my credit card company which I did. I also sent an email communication to XXXX XXXX XXXX through the XXXX website. I do not have a copy of that email. In that communication I explained that in the little I know about Franchise agreements, I understood that the Franchisor had a duty to protect the reputation of the Franchise and the Franchisee had a duty to refrain from doing anything that would tarnish the name or reputation of the business. I explained that charging a person, just because XXXX has the credit card info, for something the studio did not and could not provide is illegal. I understood that many members from XXXX XXXX studio were having the same experience as I was and stealing money from members will in fact damage the reputation of the business. I was contacted by XXXX XXXX, who owns two other XXXX studios, he wanted me to know the President of XXXX XXXX, XXXX XXXX, had received my communication, had reached out to XXXX XXXX who was traveling and would have the GM call me Monday. The GM, XXXX XXXX, did call me in the late afternoon on Monday XX/XX/2020, told me they were wrong and willing to credit me, but saw I had already disputed the charges so they could not do anything at that point. Again, she asked me to fill out a Freeze form for a 3 month period which is the maximum amount of time a member can freeze their membership. I asked why I would need to freeze a membership that XXXX could not provide. I didnt want to freeze anything, I wanted to resume my classes when the studio was allowed to reopen. Letter from XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Page 3 The next day XXXX received an email from XXXX XXXX XXXX the owner of XXXX XXXX XXXX XXXX In essence, he told me that I owed XXXX money and I should either pay my bill or if he did not hear from me, he would consider my membership terminated effective immediately. I did not respond. ( See email chain : XXXX XXXX. XXXX XXXX challenged the charge-back. I was just notified by my Chase visa that they are allowing the charges because the shut down was mandated by the Government, so not the fault of the business. I know XXXX XXXX has sided with their customers on this issue and I feel Chase Visa has taken this position because the merchant brings them more business than I do. I do not understand how my financial institution can stand behind I have to pay for something which COULD NOT be delivered. The charge was put back on my statement. I called Chase Visa, they stand by their decision because it was " no fault '' of the business and instead Government mandated. I have supporting documents upon request and can download the letter from my bank. Thank you, | ||||||
| 08/19/2021 | Yes |
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| CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of XXXX each, which does not include my personal cost and fees (which I determine) for taking time to address these issues. Violations committed against me include but not limited to: Violated 15 USC 1692c(a); Communication without prior consent, expressed permission Violated 15 USC 1692c(b); Communication without prior consent, expressed permission Violated 15 USC 1692d; Harass and oppressive use of intercourse about an alleged debt. Violated 15 USC 1692d(1); Attacking my reputation, accusing me of owing an alleged debt to you. Violated 15 USC 1692d(2); Use of obscene or profane language on my report (saying I owe you a debt) Violated 15 USC 1692e; Using false, deceptive or misleading representations Violated 15 USC 1692e(2)(A); False representation of the character and amount of the alleged debt Violated 15 USC 1692e(2)(B); False representation of any service rendered or compensation Violated 15 USC 1692e(8); Communicating false information Violated 15 USC 1692e(9); Use/distribution of communication without authorization or approval Violated 15 USC 1692e(10); False Representation (not a party to alleged debt by my consent) Violated 15 USC 1692e(12); False representation/implication (innocent purchasers for value) Violated 15 USC 1692f; Unfair Practices attempting to collect an alleged debt. Violated 15 USC 1692f(1); Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692f(6)(a); Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692f(6)(b); Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property Violated 15 USC 1692g(a)(4) Certifiable Validation and Verification of alleged debt(s) Violated 15 USC 1692j(a,b); Furnishing certain deceptive forms. (You are not a party in the alleged debt) IDENTITY THIEF; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy Violated 15 USC 1692c(c) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that TYPE OF ISSUE Account status incorrect the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. You, JPMCB AUTO and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary. For your violations, I am assessing a penalty/fine of $XXXX to be settled immediately upon receiving this communication, you have 10 days of receipt of this enforcement action to settle this matter. If you do not comply there will be a $XXXX additional penalty per day plus interest. You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. Respectively XXXX, XXXX, Consumer/Authority/Principal Creditor/Authorized Representative/ Natural Person CONSUMER ENFORCEMENT SETTLEMENT ORDER (PRESUIT) INVOICE # XXXX DATE: XX/XX/XXXX STATEMENT OF DAMAGE VIOLATIONS NOTES FEES 1692c (a)(1) Communication without prior consent. $XXXX 1692e (2)(a) False representation; $XXXX 1692e (2)(b) False representation; $XXXX 1692d (2) Obscene/profane language accusing me of owing an alleged debt. $XXXX 1692d (2) Obscene/profane language accusing me of having an account with you. $XXXX 1692e false, deceptive or misleading representations $XXXX 1692e (2)(a) False representation; $XXXX 1692e (2)(b) False representation $XXXX 1692e (8) Communicating false debt $XXXX 1692e (9) Use/distribution of communication without authorization or approval $XXXX 1692e (10) False deceptive means to collect a debt $XXXX 1692f Unfair practices $XXXX 1692f (1) Attempting to collect a debt absent of an agreement between parties. $XXXX 1692f(6)(a) Taking or threatening to take possession of property $XXXX 1692f(6)(b) Taking or threatening to take possession of property $XXXX 1692c (c) Consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication $XXXX INVASION OF PRIVACY TRESPASS Invasion of Individual Privacy and Trespassing $XXXX IDENTITY THIEF Obtaining personal identification information and creating an account (SSN, Name, Address) $XXXX ADDITIONAL ASSESED DAMAGES Emotion distress, Defamation of character, other unseen injuries. $XXXX TOTAL $XXXX PAYMENT SETTLEMENT DUE BY XX/XX/XXXX. AFTERWARDS YOU WILL BE IN DEFAULT. YOU WILL BE ASSESED A PENALTY OF $XXXX PER DAY PAST DUE DATE AND IT WILL INCUR INTEREST. YOU AGREE AND STIPULATE TO MY TERMS AND WHATEVER MONETARY COMPENSATION AND REDRESS I ARISE TO. NOTES *PRIVATE RIGHT OF ACTION *PURSUANT TO 1692K (a-1)(2-A). CIVIL LIABILITY. *Other Consumer Protection Laws May Apply *$XXXX in stipulated cost to initiate private right of action in a court of competent jurisdiction enforcing consumer protections laws. Compensation Redress Settlement Order. | ||||||
| 12/05/2023 | Yes |
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| On XX/XX/XXXX I tried making a transaction to book a hotel. My chase freedom unlimited card declined. I tried logging into my mobile app but could not. I then contacted chase at their customer service credit card line and when I did the automated system notified me that my account was 70 days past due. I was under the impression that my account was on autopay. I asked the rep on the phone if this had been reported to on my credit report and she stated that she could not answer such a question. She seemed only concerned with the delinquent account and collecting pmt. I found her collection practices very unprofessional as she avoided answering several of my questions. After expressing my concern to the damage on my credit I asked again if this past due balance had been reported against my credit. I had let her know that, I was not paying anything until I understood what happened. She then proceeded to tell me chase reports every XXXX, XXXX, and 90 days. I confronted her why she did not just tell me that when I first asked her. I then asked her to transfer me to a supervisor. I did not want to talk to anyone that was intentionally not telling me the truth. I was then transferred supervisor XXXX ID # XXXX. She was much more helpful. She gave me the balance on my account. {$2700.00}. I expressed to her how horrified I was that my account was so far past due as I do try and take care of my credit. I told her what happened with the other XXXX She understood my concern. I asked her for number to the credit bureau and their credit bureau XXXX. She gave the following numbers XXXX and XXXX. I expressed how I could not believe I was not notified. She did advise that they send a paper statement to my house. I let her know at that time that I usually have autopay on my account. I receive paper statements but since autopay is active I had not checked them. She tried contacting their credit department while placing me a hold. She then came back and advised that she could not get ahold of them. She advised that they were not operating at the time that I was calling but that I could reach out to them tomorrow at my earliest convenience. I was not satisfied with this since I felt chase had tarnished my credit reputation due negligence and that their customer service reps only cared about their collections and were dishonest when I initially asked them about my credit concerns. I went ahead and again provided my bank account info and made a full balance payment paying off my credit card in full. Before I had made my payment XXXX had advised that she could assist in removing any late fees that had been accrued totaling {$120.00}. I wanted more info into my account but XXXX could not provide this as she advised she does not have access to any autopay information into my account nor could she set me up on auto pay. She advised that this had to be initiated through the mobile app by the card holder.I did not have access to my account through the mobile app which was my whole reason for calling because I needed to speak to someone but I was transferred to their collections dept first instead of customer service. I was not able to confirm if XXXX had indeed waived the late fees before I made my payment. I was then transferred to a customer service rep that could answer my questions. The next customer service rep I talked to was named XXXX XXXX. She advised my last pmt date on autopay was XX/XX/XXXX {$96.00}. She advised that the pmt was initiated through my mobile app in the month of XX/XX/XXXX. She also advised that my last pmt was made {$190.00}. I was not at all happy at this point. I told her i would like to close my account and she offered fo transfer me to someone who could help.. I was redirected and told the wait was XXXX mins on the automated line. It was longer than that. A rep named XXXX answered I asked him for his Identifier number like XXXX had provided but he informed me that they only provide first names. He re-verified the info that faith had shared regarding last pmt date on autopay and last pmt date made on account. I tried to have him verify the info on my account like my address but he refused. He said he could only confirm that information for me but not provide it even though he had verified my identity through the last XXXX of my ssn. The reason i wanted to know address and telephone number on file was becausw I was pretty certain I had already updated my information including my telephone number but when I tried logging into chase it kept trying to verify using my old XXXX. My new number is XXXX. I had had that number since before XX/XX/XXXX. I asked XXXX to tell me if the late fees had been waived before XXXX mad emy final pmt. He stated he did not have anything to do with that after informing him that I had already paid off my account. XXXX got really defensive with me and when he did I asked him close my account. I did inform him that I would file a complaint the fcpb. Also, at XXXX point I was enrolled in text message notifications on this account. I could not confirm with chase reps whether they had my correct phone number. They only stated that my home number was the XXXX number. I feel that I did my due diligence and provided chase with all of my info including name and address as well as my phone number. I remember going on the app and updating this information. I would also like to say that I had setup autopay on account the last time I made a payment but chase could not provide an answer for me if this was true and could not tell me the reason why autopay was not active for my account. I feel chase could have explained why and addressed my concerns at the time of my phone call. I felt that they avoided answering my questions from the beginning and refused to accept any type of responsibility but only answered my questions to minimize liability on their end. I would like for them to be investigated so that no other consumer has to deal with these kinds of practices again. This is my formal complaint with chase Bank. | ||||||
| 02/26/2021 | Yes |
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| I applied for a Southwest Airlines credit card in response to the best promotional offer I had ever seen them offer. My original application was denied. I firmly believe my credit history and credit score, and with first hand knowledge of how they treated my husband in the same situation, that I was entitled to a Priority Southwest Card with a significant credit limit. My initial letter to JP Morgan Chase regarding my Southwest Airlines credit card consisted of the following : XX/XX/XXXX JPMorgan Chase Bank, N.A. PO Box XXXX XXXX, DE XXXX Reference Number : XXXX Dear Sir or Madam, I am contacting you to emphatically refute your determination to not approve my request for a Southwest Airlines Visa card. You state your decision was based on the following : Delinquency or other derogatory relationship with our bank Insufficient balance in deposit and investment accounts with us Too many credit cards with balances greater than {$2000.00} I would challenge the above reasons as follows : The Delinquency or other derogatory relationship with our bank relates to a lawfully discharged personal bankruptcy in excess of 10 years ago and, as I understand, should not be held against me at this time. That bankruptcy related to a business failure. My personal credit has been exceptional at all times prior to the bankruptcy and since. The Southwest card invitation makes for no requirement of deposits or investments with JPMorgan Chase, N.A. Please specify exactly what constitutes too many credit cards with balances greater than {$2000.00}. I am not aware of a single credit card with a balance that hasnt been paid in full each and every month for over 10 years. Additionally, as you note on the denial letter, my present credit score is XXXX. Your denial seems, at best, unfounded based on an inaccurate review, and at worst, discriminatory lending practices in violation of The Equal Credit Opportunity Act with regard to my marital status, sex, and/or age. I urge you to reconsider your decision and approve my card with the credit limit and interest rate consistent with my exceptional credit rating, and how such a rating would be applied to similar card holders. It is my desire to resolve this matter with you quickly and directly. Please respond within 7 business day of receipt of this certified letter to avoid an official complaint being filed with the Bureau of Consumer Financial Protection. I will expect your response via US Mail, but in the interest of expedience you can also email a copy of the letter to the email provided below. Regards ; There was no written response from JP Morgan Chase regarding my letter, but they issued the lowest level Southwest Airlines card with a {$2000.00} limit. I responded with the following Priority Mail letter : XX/XX/XXXX JPMorgan Chase Bank, N.A. PO Box XXXX XXXX, DE XXXX Reference Number : XXXX Account # Ending : XXXX XXXX Dear Sir or Madam, Your response to my XX/XX/XXXX discrimination complaint falls very far from satisfactory and I will now be filing a formal complaint with the Bureau of Consumer Financial Protection. You provided no written response to the allegations in my XX/XX/XXXX letter. You just threw a crumb by way of an email saying my account was approved and expected me to go away. In my previous letter, a copy of which is attached, I detailed my expectations : I urge you to reconsider your decision and approve my card with the credit limit and interest rate consistent with my exceptional credit rating, and how such a rating would be applied to similar card holders. To the contrary you saw it more appropriate to double down on your discriminatory lending practices and insult me with a bare minimum line of credit on your card with the lowest benefit levels. For all the reasons you give for not extending credit to me it is astounding, and very damning, that more than 12 months ago, when we were more than a year less removed from our XXXX XXXX XXXX bankruptcy, and with a credit rating more than 100 points lower than it is today, you extended to my husband a Priority Rewards Card, your highest benefit level card, with a {$19000.00} credit limit. There is clearly no justification to your actions, and they can be viewed as nothing less than discriminatory. If the problem had been the amount of credit extended to our household, we might be having a different discussion, but you have had two opportunities to make that statement and have not. I will not accept that answer now. Am I of less value because I am a woman? Is it because I am of a certain age? Is it because I am married and dont warrant the same privileges as my husband? I expect you to do the right thing and reissue my account as a Rapid Rewards Priority Credit Card with an appropriate credit limit commensurate with my exceptional credit rating and in the same manner as you extended credit to my husband. I will accept nothing less. Additionally, had you processed my application correctly in XXXX I would have been entitled to the Southwest promotion detailed in the attached email which included both tier and Companion Pass qualifying points as well as qualifying flights status for A-List, A-List Preferred, and Companion Pass. I will not accept losing those benefits because of your unlawful actions in XXXX. Make it right. Where I hoped to give you the benefit of the doubt with my initial letter, there is clearly no doubt remaining. Your actions are very clearly discriminatory lending practices in violation of The Equal Credit Opportunity Act with regard to my marital status, sex, and/or age. I am sending a copy of this letter and all the attachments to the Bureau of Consumer Financial Protection. I will also be pursuing any other official process they have for filing a formal complaint against your company. Fix this before it gets any worse. I expect a written response within 5 business days from receipt of this Priority Mail letter. Regards There has been no response from JP Morgan to my letter or complaint. | ||||||
| 04/09/2022 | Yes |
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| We were informed via text by Chase that a XXXX payment was made from our checking account on XXXX XXXX, XXXX to a party we did not know, and suspected the transaction was fraudulent. Since it was a Sunday, we were told by Chase when we called that day, that to investigate the matter we needed to contact the claims department, but it was closed until Monday. Upon contacting the claims department on Monday XXXX XXXX, and being told to change the online access profile since it appeared that our home internet network had been compromised, we made the changes recommended by Chase. Upon checking the account later that day, we found that it was closed again by Chase due to suspicious activity. When we contacted the Chase claims department the following day, XXXX XXXX, it dawned on us that the changes made online with Chase on the XXXX HAD BEEN READ by someone with access to our home computer! Chase confirmed that the online network at home had been compromised and we proceeded to turn off the pc in question and contacted XXXX, the company that provided our home internet access. When contacting XXXX, we noticed on a different computer, that another internet account had been set up with XXXX, in addition to the one that Chase told us had been compromised. Upon repeated requests for an explanation as to how on Earth that had happened, since we had never used more than one account, we proceeded to CANCEL the XXXX account, returned their equipment, and had to acquire a different home network with XXXX. We concluded that a data breach occurred through XXXX, and were directed to several offices ( some of them apparently overseas ) that failed to explain to us how that other account had been created. XXXX has not contacted us with any information since the incident. We have been requesting Chase that the funds transferred from our checking account to the person whose phone number appears on the XXXX transaction record be returned to our checking account since it was the result of fraudulent activity. They have repeatedly denied our request, stating that their records indicate that the transfer of funds was authorized from our home device, and is therefore consistent with prior activity. We had to deactivate the XXXX account due to other attempts ( from the same party ) to withdraw other amounts from our checking account, which were subsequently rejected by Chase due to suspicious activity. What Chase refuses to acknowledge is the fact that less than an hour after the transaction was completed on XXXX XXXX, another attempt was made by the same person, but was rejected by Chase due to suspicious activity. In addition, two other attempts were made on XXXX XXXX which were also rejected, which confirms our conclusion that even after changing the online access information that day, the person had seen the changes made and attempted to transfer more funds. We have repeatedly disputed the claim that we authorized the completed transaction on XXXX XXXX since we were at home, but DID NOT send Chase the message that allowed the transfer of funds through XXXX ; it was somehow authorized by the hacker, making it look like it came from our device at home. We never received a request to allow the transfer of funds, we only received the text informing us that the funds had been transferred. The request was evidently diverted by the hacker to prevent it from reaching us. We have been dealing with Chase corporate headquarters through their executive office, as recommended by their claims department, since they stated that it was beyond what they could do. We were told by executive individuals ( by now three different people! ) at Chase corporate offices, that in order to re-open the case we needed to provide independent confirmation that if we are claiming that the pc involved in the transaction was hacked, it was the result of malware or other traceable infiltration. We proceeded to bring the pc to XXXX XXXX, a large company that has the means to inspect and clean computers that are victims of malware attacks. We paid to have the pc inspected, and then provided to Chase the evidence that malware had been found and removed from the computer, as they had instructed us to do. We were informed last week that the claim continues to be denied since " Chase can not independently confirm that the computer was hacked '', excuse us? That is exactly what we provided them with, in addition to other evidence ( provided by Chase itself ) that there had been data breaches to our account prior to the XXXX XXXX incident, and we have all the aforementioned documentation ; however, Chase continues to deny our claim that all those transactions were the result of fraudulent activity! It strains credibility, as we have told several individuals at Chase XXXX at the local branch, to the claims department, and to the executive office representatives ), that upon looking at the evidence for the four transactions recorded on XXXX XXXX and XXXX, we would only authorize the one that was completed ( the first one ), and accept the fact that Chase rejected the remaining three. If the first one had been legitimate, shouldn't we be requesting that the other ones be allowed as well? The fact that Chase rejected all but the first transaction, along with the evidence we have provided that our device was indeed hacked, shows evidence of fraudulent activity for all of them!! We have received statements of solidarity and sympathy from individuals at the executive office, but no resolution at all! Chase refuses to admit that we have made the case for our affirmation that all those transactions were fraudulent. Going to the local branch provides no support, as these poor folks agree with us, but seem utterly unable to help us. We had filed a police report where the incident is classified as petit larceny, and provided it to Chase along with all the other documentation. We are prepared to pursue this unjust and completely unprofessional matter to its eventual resolution. | ||||||
| 01/23/2023 | Yes |
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| XXXX XXXX Projects XXXX XXXX XXXX XXXX XXXX XXXX Activity CLAIM XXXX ORIGINAL CLAIM NO. XXXX FRAUDULENT DEBIT TRANSACTIONS TOTALING {$49000.00} HAVE YET TO BE RETURNED TO XXXXXXXX XXXX XXXX XXXX XXXX XXXX The below sequence of events was compiled after conversations with Chase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXXXXXX debit card ending in XXXX. It was intercepted/stolen in the mail. She was in XXXX, NY, hours away from the XXXX XXXX area during all fraudulent activity on XX/XX/XXXX & XXXX, XXXX. ( XXXX XXXX has a Documentation and Exhibits PDF for documentation of all claims made in this Overview ). XXXX XXXX did not authorize any of the below fraudulent activity, ie. activating the debit card, changing of pin #, text message authorizations, withdrawals or retail transactions. CHASE has already found withdrawals from business checking and savings accounts that occurred on XXXX XXXX & XXXX, XXXX the same days as disputed retail transactions- to be fraudulent but has inexplicably failed to deem said retail debit card transactions from XX/XX/XXXX and XX/XX/XXXX as unauthorized despite receiving substantial evidence and paperwork from XXXX XXXX XXXX XXXX that corroborates her account. XX/XX/XXXX, XXXX XXXX XXXX XXXX stolen/lost in XXXX. XXXX XXXX alerted XXXX right away and cancelled all of her cards personal credit & debit + business credit & debit. XX/XX/XXXX, XXXX Cards issued by Chase and sent in mail. XXXX received all other cards ( XXXX out of XXXX ) but not Chase for XXXX XXXX XXXX. XXXX mail is notoriously slow, but turns out the XXXX XXXX XXXX was stolen from the mail. * XX/XX/XXXX, XXXX XXXX XXXX XXXX to XXXX NY XXXX time to Airbnb XXXX XXXX XXXX NY XX/XX/XXXX, XXXX Fraudulent Activity Begins : XXXX XXXX XXXX | XXXX, NY @ XXXXXXXX XXXX o Fraudster went into an XXXX XXXX XXXX store in XXXX, NY, was able to change my phone line to a new phone with hard SIM card. XXXX XXXX XXXX confirmed they presented themselves as XXXX XXXX and scanned an ID to authorize changing phones. By changing SIM and taking over my phone line, fraudster was able to receive text authorizations from bank, etc. Chase Bank XXXX XXXX, NY XXXX Fraudster went into Chase Bank in XXXX, NY and impersonated me- was able to successfully change PIN number and fraudulently withdraw funds. o Cash Withdrawals TOTALING {$3900.00} ( {$1900.00} from checking acct. {$1900.00} from savings ) ( **These withdrawals were deemed fraudulent by Chase XXXX see XX/XX/XXXX and XX/XX/XXXX letters from Chase Customer Claims Dept . ** ) XXXX XXXX | XXXX XXXX, NY ( APPROX. XXXX ) o Used business debit card for unauthorized transactions TOTALING {$24000.00} ( XXXX CHARGES for {$10000.00} & XXXX ) Macys | XXXX XXXX XXXX NY XXXX Used business debit card for unauthorized transactions TOTALING {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX phone service and phone goes into SOS mode. She then calls XXXX XXXX XXXX XXXX trying to figure out why service cut off from her phone. She can not make calls or receive text messages. She is on an XXXX XXXX XXXX XXXX customer service chat/on familys landline in XXXX, NY, for hours with XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone was switched from an electronic SIM on her XXXX XXXX to a hard SIM, but at that time did not suspect fraud and did not alert XXXX XXXX that someone had impersonated her earlier that day at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then changes the phone line back to her XXXX XXXX at approximately XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX receives an email from Chase Fraud ( XXXX ), notifying her of suspected {$10000.00} fraudulent activity from the Apple Store on her Chase Business Card and that the transactions was declined. XXXX responds to the email CONFIRMING the charges are fraudulent. Email from Chase states that card will be cancelled immediately and that a new card will be sent in the mail. Based on this representation from CHASE, XXXX XXXX believes that her account is secure and that the fraudulent transaction was declined. DURING THIS TIME, XXXX XXXX is in XXXX XXXX visiting Grandmother at XXXX XXXX XXXX XXXX XXXX Lake XXXX XXXX NY XXXX ( see Exhibit C, proof of check-in ), getting nails done at XXXX XXXX XXXX NY ( XXXX XXXX ), and purchasing wine at The Merchant, XXXX, NY XXXX Exhibit XXXX ) with Chase credit card, and sees her entire family and numerous friends throughout the day and evening who can confirm she was not in any of above locations where fraud occurred * XX/XX/XXXX, XXXX More Fraudulent Activity- XXXX CHARGES IN XXXX : More withdrawals from Chase TOTALING {$3900.00} o ( **These withdrawals were deemed fraudulent by Chase, see XX/XX/XXXX and XX/XX/XXXX XXXX from Chase Customer Claims Dept. ) XXXX XXXX XXXX XXXX XXXX NY, NY : TOTALING {$24000.00} ( XXXX separate charges, {$21000.00}, {$2200.00}, {$790.00} ) Macy| on XXXX XXXX, NY TOTALING {$570.00} XXXX XXXX XXXX XXXX account the night of XX/XX/XXXX. Blindsided by all the fraudulent activity, as CHASE represented to her that the debit card had been closed on XX/XX/XXXX, she calls Chase- but all lines are closed. She locks cards. XX/XX/XXXX she is on the phone with Chase notifying them of the above fraud and claims started. FRAUDULENT TRANSACTIONS AMOUNTED TO {$57000.00} Upon information and belief, based on multiple phone conversations with Chase XXXX XXXX Department managers, after XXXX XXXX cancelled business debit card via email on XX/XX/XXXX, fraudster was able to REACTIVE card, either by receiving text alerts when they took over her XXXX or by impersonating her at the Chase branch in XXXX, NY. XXXX XXXX hereby demands that CHASE pull video surveillance from the XXXX CHASE on XX/XX/XXXX which, will show perpetrator impersonating XXXX XXXX. XX/XX/XXXX, XXXX Police report outlining fraud on XXXX XXXX XXXX accounts filed with XXXX. Police report shows charges of XXXX XXXX in the Second Degree, a C Felony in New York XXXX. | ||||||
| 03/12/2020 | Yes |
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| My wife and I have a XXXX XXXX XXXX leased from Mazda Capital Services ( through Chase Auto Finance ). The account number is xxxxxxxxxx. The lease expired in XX/XX/XXXX and, not wanting to trade the car in yet, we reached out to Chase to apply to convert the lease to a loan. In late XXXX, Chase approved us for the loan and sent us paperwork ( Identity verification, odometer statement, powers-of-attorney, a new Note, etc. ), which we signed, notarized, and returned ( application ID xxxxxxxxxx ). We also continued making the payments as we were instructed by Chase. During this process, Chase asked if we would be interested in signing a lease extension since the lease was expired, to which we responded, no were in the process of converting the lease to a loan, and Chase seemed to be fine with that. We were never informed that signing a lease extension was absolutely required or the vehicle could be repossessed. In mid XXXX, Chase contacted us and said they didnt receive one copy of a power-of-attorney and would need to send us a whole new packet of loan paperwork which was fine and we agreed to sign and return it as soon as it was received ( we never received new paperwork ). However, on the morning of XX/XX/XXXX, we wake up to find the car gone repossessed. After hours on the phone with multiple people at Chase who all gave different explanations for the repossession, we still dont understand what we did wrong. Two different Chase representatives claimed that repo notices were sent to us via XXXX, but when we asked for the tracking number, they said, oh sorry I think it was sent via regular mail, not XXXX. However, we have not received any repo notices by mail or XXXX, or phone. In addition, the Chase lease conversion department continues to contact us to finalize the process, apparently unaware that the vehicle has been repossessed - by Chase. Weve made all payments due since day 1 including after lease expiration ( as requested by Chase, and Chase does not dispute this ), and we were definitely in the process to convert the lease to a loan ( Chase does not dispute this ), but we find ourselves without the vehicle and not knowing what we should do at this point. In addition, the tire marks in the street indicate the vehicle was dragged away, so were nervous about what damage may have been done to the vehicle by the repo vendor. Chase claims calls were made to us at various times which we did not return, but we have no record of missed calls or voicemails. In fact, one of the representatives we spoke to on Friday, XX/XX/XXXX, ( XXXX ID # XXXX ) was doing some research and claimed to have called us to discuss the repo but the call was static-y and didnt go to voicemail ( we had to call back and eventually somehow found our way back to XXXX ), leading us to believe that other calls may have been made that didnt go through and no additional attempts were made. Clearly, the process to convert the lease to a loan is much more complicated than we anticipated, but at the end of the day, weve made the payments and have done everything ( we thought ) to convert the lease, sign a new Note, and continue making payments. Weve done everything asked by Chase, but now because we didnt understand the process due to what we consider confusing misrepresentation by Chase, we are now faced with having no vehicle and credit that will be ruined due to the repossession. Is it typical for a big financial institution like Chase to harm paying consumers by repossessing their vehicles, with no notice, due to what appears to be clerical errors during the process to convert a car lease to a loan? Again, Chase confirms the payments were made, and the loan paperwork was received, but they believe the repossession was justified? Please help. UPDATE : During the past few days we continue to speak with different Chase representatives ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, just to name a few ) - no one has offered to be a single point of contact or customer advocate, which makes communication incredibly difficult - we have to explain our situation all over again with each new Chase representative. One person tells us they believe Chase should be able to complete the lease-to-loan conversion with a favorable outcome where we get the car back and move forward with the loan that's already been approved, as they've seen this situation happen before, but then the next person says theres no notes in the system of anybody saying that and theres nothing Chase can do. We receive phone calls from unknown numbers that only ring once and leave no voicemail, and when we call the number back we find that it was Chase, and we start the process all over again. Have we made the payments even after lease expiration? Yes, and Chase does not dispute that. Did we sign, notarize and return the loan paperwork that Chase sent us? Yes, and Chase does not dispute that. But we still have no idea what we did wrong, why our car was repossessed, and why we get different explanations and possible outcomes from every different person we speak with. Were starting to think that Chase representatives dial our number, intentionally let it ring only once, and hang up, then notate their system that they tried to reach us, in order to make it look like they are making an effort to resolve the situation. Obviously our main concern is the damage to our credit due to a repossession. But the secondary impacts are becoming overwhelming - we are trying to manage our family activities with our one remaining vehicle, we've spent hours/days on the phone with Chase going in circles, we now answer every call from unknown numbers as quickly as we possibly can for fear it might be Chase and we'll be penalized if we don't answer, we're losing sleep and the stress is mounting every day. One Chase representative will lead us to believe everything can be resolved but the next Chase representative says there's nothing they can do. As a consumer I've lost faith in Chase and feel completely helpless. | ||||||
| 11/16/2020 | Yes |
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| I'd like to file a complaint against both XXXX XXXX and Chase bank regarding my case below : I opened XXXX XXXX account on XX/XX/XXXX on XXXX XXXX website because I got a mail invitation to open account from XXXX XXXX. After the account successfully opened on XXXX XXXX website, XXXX XXXX website requested me to fund the account. So I did a fund transfer from Chase bank to XXXX XXXX by filling my bank account information on XXXX XXXX website. After a few days, on XX/XX/XXXX, I got an email from XXXX XXXX saying the fund transfer is unsuccessful and requested me to call them. I checked my chase bank account, the fund went out on XX/XX/XXXX and it never came back to my chase checking account. I called XXXX XXXX customer service at XXXX and I was told I have to go to XXXX XXXX to fix the issue. I went to XXXX XXXX in NJ on XX/XX/XXXX and I was told : 1. The account was closed by XXXX XXXX right after its opened by its system. ( Complaint 1 with XXXX : XXXX XXXX close customers account without notifying customer and even the account was closed, it asked customer to fund the account. 2. All customer need to go to XXXX XXXX branch to verify the identity in order to make the account fully open even if customer open account from Website. ( Complaint 2 with XXXX : XXXX XXXX website is obviously misleading customer and not clearly define the account opening process. Customer was told that account was open successfully online while was told a different process in their Branch. 3. Because the account was closed, the fund transfer was rejected. I was suggested to contact Chase bank to fix the issue. ( Complaint 3 with XXXX XXXX, The transaction was made from XXXX XXXX website, XXXX XXXX should be responsible for the grace and fully completed transaction. In case of problem, XXXX XXXX doesnt show their willing to help customer but push customer to the other side and let customer to fix the issue. ) 4. I made a call to Chase bank hotline, the operator redirected me to their claim department on XX/XX/XXXX. Chase claim department told me that the money was transferred to XXXX XXXX XXXX XXXX should have my money. I went back to XXXX XXXX branch and asked the Chase claim department staff on the call to talked to XXXX XXXX branch manager. XXXX XXXX branch manager clarified that the transaction was rejected and suggested Chase claim department staff to file a claim. Chase claim department staff agreed to file claim and move on with the fund trace from Chase bank and suggested me to give a call back in1-2 days. ( Complaint to both banks, there should be a standard protocol between banks rather than asking customer to pass on information or facilitate the communication ) 5. On XX/XX/XXXX, I made a following up call with Chase bank claim department and I was told that the claim was closed by Chase as they couldnt find any rejection code or error in their system. In the meantime, I called XXXX XXXX branch manager again and ask him to talk to Chase claim department. This time Chase bank said they will open the claim and reached out to Chase ACH department /back office to check. Chase bank asked me to make another follow up call in 1 or 2 days. ( Complaint to Chase bank : Chase bank closed claim request without notifying customer, Chase bank didnt take action to trace the fund- basically do nothing! ) XXXX XXXX branch manager also suggested me to reach out to XXXX XXXX hotline if we want to reach out to XXXX XXXX ACH department/back office.- XXXX. I called this number and I was told XXXX XXXX hotline can not do anything because they dont have any of my account information. ( Complaint to XXXX XXXX, yet another misleading information given to customer ) 6. On XX/XX/XXXX, XXXX XXXX branch manager shared me with the tracer information. I made following up call with Chase bank. I was told by Chase bank that the claim investigation is still in progress and asked me to call back one day later. I shared tracer information with Chase bank in the call. 7. On XX/XX/XXXX, I made following up call with Chase bank and I was told there was nothing found by Chase bank. It was a successful transaction. The chase bank hotline staff asked me to XXXXX the email from XXXX XXXX which stating the fund transfer was unsuccessful. He promised me that once the email was Fax to Chase bank back office, Chase bank back office will start looking into the issue and made an conclusion in 3-7 days. I did all the required actions. 8. On XX/XX/XXXX, I made following up call with Chase bank again, I was told the claim was closed, Chase bank will not do anything for further research, they asked me to reach out to XXXX XXXX! ( Complaint to Chase bank, there is no standard process to deal with this case, every time customer was given an different answer or suggestions. Also Chase bank only tried to push customer to the other side and not willing to help ) XXXX. On XX/XX/XXXX, I got a call from XXXX XXXX manager saying that the money is with middle man. Middle man has the money and made request to Chase around XX/XX/XXXX. I called Chase bank immediately and bridge Chase bank with XXXX XXXX branch manager in the same call. The same information was shared to Chase bank by XXXX XXXX branch manager. Chase bank said they will put a note to their back office. The back bound transaction normally takes 30-45 for the money to come back to my account. ( Complaint to Chase bank yet again another answer for the same case no concrete answer, process or action or willing for issue investigation ) 10. Today is XX/XX/XXXX, my money still hasnt come back. There is no further information from Chase. I totally believe Chase system is not working, their service is terrible ). Ive been spending days and days to make following up calls and facilitating conversation between XXXX and Chase. This is not something I expected. Can you please guide what should be my next step to get this resolve? Who is supposed to pay me back for the cost of time Ive spent on this? | ||||||
| 12/06/2021 | Yes |
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| XXXX. JPMCB XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX. I immediately disputed this information with JPMCB XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 02/02/2022 | Yes |
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| Very simply put, Chase staff members inexperienced with wire transfers out of XXXX of the local branches have cost me {$3400.00}. I went into the Chase branch at XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX to complete a wire transfer in USD to a XXXX account in XXXX ( {$76000.00} USD ). When the teller was completing the transfer, I sent a screenshot of the provided documentation to my lawyer in XXXX to where she replied and told me that it appeared that the bank was processing the transfer in XXXX currency, which would cause a problem. I immediately went back into the bank and informed the teller of the issue. She very quickly went from pleasant to annoyed and told me that there was nothing they could do out of the branch since the transfer was now pending and gave me an XXXX number to call while dismissing me so she could assist the next person in line. I told her that I would be calling from the branch and that I would like to speak with the manager for further assistance. She told me the manager was out sick and that the person filling in was about to leave for lunch. I then noticed a gentleman getting up from XXXX of the desks and putting his coat on to leave so I quickly went over to him while dialing the number that the teller gave me on my cell phone. I explained to this person what was going on and apologized for interrupting his lunch break but that I needed to ensure this transfer was processed properly. He was polite and agreed to stay there with me while I called the number, and also witnessed the person on the phone telling me that they could confirm that the amount was being transferred in XXXX so there was nothing wrong and no reason to cancel the transaction. After learning from my attorney that following XXXX XX/XX/XXXX, that the transfer DID go through in Jamaican dollars and as a result of the error by the Chase teller, I was charged several additional fees for multiple currency exchanges taking place to get the money deposited into her XXXX account there on the island, I went into the bank branch at XXXX XXXX XXXX XXXX for assistance in getting things corrected. I told them that the amount that ended up being deposited as a result of the error made by your teller was {$72000.00} and provided them with a screenshot sent from my attorney. A difference of {$3400.00} which caused me to withdraw another {$4000.00} from my savings account and go to my husband 's bank to transfer the remaining balance as I had XXXX confidence in Chase completing things properly at this point. After working with the XXXX branches locally, and also working with someone through the Branch Complaint and Escalations department ( reference # for the claim noted in a previous email exchange below ) they are telling me that it is the branch manager 's discretion on whether or not they will refund the monies to me and so far, I am being told by the XXXX branch that they are getting pushback from the XXXX XXXX location on this being approved. I have been extremely patient with your people and your process. I have been understanding around the fact that no one on the staff at the local branch on XXXX XXXX was familiar with the process for immediately correcting an issue with a pending wire transfer, and also with the fact that the Wire Transfer department that your staff and I called that day together from the branch provided false information around the amount " definitely being transferred in XXXX currency '' and also that the " acting XXXX '' that was there filling in the day I initiated the transfer had only been employed by Chase for XXXX days and admitted that he wasn't sure what to do to correct things, but told me worst case scenario " we will kick the entire transfer amount back to you within XXXX hours. '' Clearly that was incorrect information however, I never thought that your bank would allow this error on your end to cost me over $ XXXX. I have been a customer of Chase for many years. In fact, you can see that my mother 's name is still on the backend of my account as she had to co-sign when it was originally created because I was a minor. I have both a checking and savings account, as well as a credit card account and also my mortgage with you currently. I have been a fan, and have sent a lot of business your way because of that. The customer experience that I have been a part of over the last month is quickly starting to reverse any positive interactions I have had with your company and is also having me look into other options for banking and my home mortgage. The above correspondence was sent to the Executive Escalations team at Chase in an attempt to get some assistance. I was called today, XX/XX/XXXX and told by their XXXX XXXX XXXX that research on case # XXXX has been completed and that I will need to wait to see if the intermediary bank that completed the second part of the transfer will refund the money because they are not going to accept that this was an error made by Chase since XXXX signed the form to complete the wire transfer. I explained to XXXX that I only signed after asking why the amount showed in both XXXX and XXXX dollars and the teller assured me that it always shows that way just so the customer can see what the currency exchange would be. Obviously this was incorrect information, but I entrusted the bank to know the process as this was my first time completing a wire. I also reminded her that everyone in both of the branches that I worked with after this happened told me that the teller had to have processed the wire incorrectly by manually selecting that the funds go through in Jamaican currency, thus admitting fault. She told me that she had to go with what the XXXX XXXX showed to complete her research. She clearly isn't considering the email chains I have with the branch where they also admit fault and own the fact that the error was obvious. Please help me with getting the funds back that the incompetence of employees at Chase have cost me. | ||||||
| 01/04/2022 | Yes |
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| 1. JPMCB XXXX Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. I immediately disputed this information with JPMCB AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 04/29/2020 | Yes |
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| United States v JP Morgan Chase Bank Claim ID : XXXX Upon applying for this settlement before XX/XX/XXXX, I informed FHA Lawsuit on the application and sent a letter stating that I was divorced. I provided a copy of my divorce papers and asked that when the settlement comes to provide a 50/50 split payment on my behalf. On XX/XX/XXXX, I received the settlement check from the US v JP Morgan Chase Bank with the check being made in the borrower and co-borrowers name. At this time I called and emailed FHA Lawsuit and asked again for the check to be reissued as a 50/50 split payment on my behalf. On XX/XX/XXXX XXXX XXXX, Senior Project Manager replied, We are not able to revise the name under which the entire amount is reported. However, we can re-issue the amount as a split amount between the two borrowers along with revised tax documentation. On XX/XX/XXXX, I replied to XXXX, Yes could you re-issue the amount as a split amount between the two borrowers along with revised tax documentation. On XX/XX/XXXX XXXX replied, Thank you we will place your request on hold until after the void date of all checks. On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I made calls and emails to check on the status of re-issuing the new 50/50 split check. On XX/XX/XXXX, XXXX XXXX, Senior Project Manager replied, Your request to have the check split is on file with our office. However all reissues which will change the name of the payee in any way need to be held until after the void date of all checks, which will be XX/XX/XXXX. After this date, we will proceed with the reissuance of your check and checks to others similarly situated. On XX/XX/XXXX I sent another email inquiring when the new check will be issued, since its now well past the void date of the 1st check which was for XX/XX/XXXX. On XX/XX/XXXX XXXX, Claims Administrator replies, Our office is currently working with individuals requesting a check with a name change of some sort ( this includes requests to have a check split 50/50 as well as requests to issue a check to beneficiaries of individuals who are now deceased ). At this time, we unfortunately do not have an estimated date for the reissue distribution. Your patience is greatly appreciated as there are many individuals requesting name changes and/or check splits and we are actively working to complete all requests as quickly as possible. On XX/XX/XXXX, I have sent another email to FHA Lawsuit to check on the status again of re-issuing a new check. On XX/XX/XXXX, I emailed again stating, Hello. I last emailed you on XX/XX/XXXX in regards to this claim. I received the check dated XX/XX/XXXX today on XX/XX/XXXX in the name of the Borrower and Co-Borrower. You still reissued the check to me the same way you issued it in XXXX. I have waited more than 8 months and requested numerous emails and phone calls for you to split the check and issue my half in the name only. I do not have any contact with my ex and do not even know where she lives. Therefore, this check you sent can never be cashed. I would greatly appreciate it if you could reissue the check of my half in my name only and not take another 8 months to do it correctly. If there are any questions please email me. On XX/XX/XXXX, XXXX Claims Administrator replies, We do not yet have the date that the reissue will be mailed. All similar requests must be completed before any can be mailed. Thank you for your patience. I emailed again XX/XX/XXXX. Maybe, you do not understand the last email that I sent to you on XX/XX/XXXX. Can you have a supervisor call me at XXXX XXXX XXXX XXXX? Or whom else can I speak with to have this matter resolved promptly? The last emailed on XX/XX/XXXX explains that I received the new reissued check on XX/XX/XXXX. It was check # XXXX dated : XX/XX/XXXX. This check will expire on XX/XX/XXXX. The letter states that Funds which are not cashed by this date will not be reissued to borrowers and if there are any co-borrowers on your loan and you can not secure the required joint endorsement from the co-borrower that I can call or email you. Well, when I call ; I just get a tech that tells me someone will reach out to me and they will send an email of the problem for me. Well, No one has reached out to call me and your email reply is not helpful. You dont know when a new check can be issued and the letter states to call if there is a problem. Do I need to send you this check back to get a new split check issued in only my Name? Why do I need to let the check expire, when it is clearly Not my fault. The very first original check sent with both parties name was check # XXXX expiring XX/XX/XXXX. And I was told the check had to expire and then all people with these problems will be reissued a new check. Well I get the new check and the problem was not fixed. It was still issued wrong with both borrowers name instead of a split check. From the start of this process. I asked to have a split check and sent in my divorce documents showing proof that my ex and I are no longer together. I This check should have been a split check with my name only. I have attempted to reach out to FHA Lawsuit by phone and emails numerous of times with regards to this issue and Im still getting the run around. I emailed this issue on XX/XX/XXXX and XXXX XXXX responded on XX/XX/XXXX and XX/XX/XXXX. I emailed on XX/XX/XXXX and XXXX replies on XX/XX/XXXX. I emailed this issue on XX/XX/XXXX and you ( XXXX XXXX replied on XX/XX/XXXX. I emailed again on XX/XX/XXXX and you ( XXXX XXXX replied on XX/XX/XXXX. I emailed again on XX/XX/XXXX with the new check issued being wrong again and you ( XXXX XXXX replied. So do you now see where the problem lye. I am so frustrated with this process, because I have reached out numerous of times and I keep getting the same XXXX XXXX time and time again. Can someone who can help to resolve this matter call me at XXXX XXXX XXXX XXXX. If not, what is your consumer complaint number or email? | ||||||
| 01/17/2022 | Yes |
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| On XX/XX/XXXX, Chase sent me a text message about possible fraud. The text message stated : Chase Fraud : We declined {$690.00} with card ending XXXX at XXXX XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. Msg & data rates may apply. I immediately reviewed the questionable transaction and determined it was fraudulent. As a result, I responded No to the text message inquiry set forth above. Based on the notification of this fraudulent activity, I reviewed the rest of my statement and I realized that there were several other fraudulent transactions. Each of the fraudulent transactions occurred at homedepot.com. I had also received 3 packages addressed to a XXXX XXXX. I called Chase and explained that I received packages that were not mine. The Chase Representative asked what I was going to do with them and I said I would return them. The Chase Representative said she would note the file. At no time during my conversation was I advised that I was required to return the packages to XXXX XXXX. Because of Covid I am not currently working in my physical office. As a result, I put the packages in my trunk and forgot about them as I was not leaving my house. Had Chase advised me that I was required to return the packages and to obtain proof to demonstrate that I neither ordered the packages nor were they addressed to a person residing in my home, I would have done so the next day. However, the Chase Representative failed to provide me with any further instructions to timely process my claim of fraud. Due to the failure of the Chase Representative to provide guidance on assisting me with my claim of fraud, I could have just thrown the packages out. Notwithstanding, I reviewed the next two account statements and noticed that all of the charges were removed from by bill. Thus, I thought the matter was resolved. On XX/XX/XXXX, I was driving past a XXXX XXXX just before XXXX p.m. and recalled that the packages that were not mine were still in my car. I, therefore, stopped at the XXXX XXXX and dropped each of the packages off with the customer service desk. As I did not purchase these items and knew that Chase had removed them from my account based on my fraud dispute, I did not get a receipt for their return. The store wanted to refund my account. However, I explained that Chase had already refunded my account because these were fraudulent transactions that I directly disputed with Chase. The XXXX XXXX employee advised me that they would put the items back on the shelves. I then received my next months bill for my Chase account and the items that I disputed were back on the bill. I was never notified that the disputed transactions either required further information and investigation by Chase or that they would not be considered fraudulent and removed from my bill permanently. As a result, I called Chase again and spoke to an extremely nasty representative who told me that I returned the items too late, that I had a responsibility to do this, and that I was at fault. I find the manner upon which Chase has handled this already stressful situation to be frustrating, disturbing and an inappropriate way to treat a customer of Chase. I advised the rude Chase Representative that since the time I learned of these fraudulent transactions, I have returned the items that were mailed to a XXXX XXXX. As to the additional items that appeared on my statement, I did not receive any other packages. Thus, there is nothing for me to return to the store. Clearly, I can not return an item that I did not receive. Nonetheless, the Chase Representative kept telling me that it was my responsibility to return these items. I demanded to know where the other packages were sent since they were made on homedpot.com and I did not receive them. The Chase Representative told me they could not provide me with that information. Had I known that the disputed transactions were still under review by Chase, rather than closed as fraud, I would have taken further action. However, not only did I believe that the matter was resolved as fraud but I was not advised that any further information was needed by Chase to investigate the fraud claim. I truly thought this was resolved in XX/XX/XXXX after I first reached out to Chase. I spoke with another Chase Representative on XX/XX/XXXX and advised them that I was unable to file a police report yet because I had just tested positive for Covid and was under quarantine. I was advised by the Chase Representative not to worry and to pay my statement balance less the charges that were disputed. I complied with the Chase Representatives instructions. I then came to learn that on the next statement I received, I was being charged interest on the disputed charges. Thereafter, I finally received a written communication from Chase that the fraud investigation did not believe my dispute and I was responsible for the charges I neither made nor authorized. On XX/XX/XXXX, I filed a police report. I believe that the manner in which Chase and its representatives have handled this already stressful situation constitute an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Dodd-Frank Act. I intend to file a complaint with the Consumer Financial Protection Bureau that this matter has been handled in an unfair and deceptive manner. I was not provided any instruction on what Chase needed to review my claim of fraud, I was not timely updated that the fraud investigation was ongoing or that additional information was required for Chase to investigate. Based on these failures by Chase, I was likewise not advised that Chase would reinstate the disputed charges if I did not provide further information to further verify my fraud dispute. There were a 9 charges for a total of {$3500.00} that are not mine. There is also {$95.00} in interest that should be removed. | ||||||
| 07/13/2021 | Yes |
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| On XX/XX/XXXX I was contacted by XXXX XXXX ( XXXX XXXX XXXX XXXX from Chase by telephone to speak about refinancing my home. She told me about their refinance program and we spoke about closing costs, how much points will cost and APR and Interest rates. I stated I wanted to go from a FHA loan which I currently have to a conventional loan. One of my goals in this refinance was to not pay PMI on my mortgage loan. She stated to me closing costs will be {$3600.00} and most of this cost can be rolled into my refinance loan. All I would need to bring to closing would be {$500.00} for deposit. Then we spoke about Interest rates and APR. Without buying points, my Interest rate would be 4.49 % and my APR would be 4.548 %. She suggested I buy 1.16 points to bring the Interest rate down to 3.625 % and APR down to 3.781 %. Last, we talked about monthly payments. My monthly payments would be {$1500.00} without buying points and {$1400.00} if I decided to buy 1.16 points at {$2700.00}. She also stated this also can be rolled into the loan process so I dont have to bring it to closing. I told her I was interested in moving forward and I would buy 1.16 points at {$2700.00}. She told me PMI would not be needed in this refinance loan. She then proceeded to ask me about my gender, age and ethnicity. She told me these were optional questions, but I answered them for her. She also asked how much do I have in my 401K and I gave her this amount and emailed her my 401K current statement. This concluded the first conversation with XXXX. On XX/XX/XXXX she wrote me an email asking for W-2s from XXXX and XXXX, Last 30 days of paystubs and current Mortgage statement. I emailed her back the documents requested on the same day to move forward with the refinance process. She replied and stated there was an issue with her submitting my loan and she will have to follow up with me the next day to get it resolved. On XX/XX/XXXX I received an email from Chase stating my loan documents were ready. On XX/XX/XXXX I emailed XXXX and stated I would like to discuss the terms of the loan again just to make sure I understood all the numbers given to me. She called me later that day. She now told me that the numbers have changed and they would have to add PMI of {$88.00} a month but if I want to avoid PMI, I would have to bring {$2200.00} to closing, {$1700.00} more than the original amount. She stated the reason for the change was because the loan to value of my home is not at 80 %. I was a bit confused at this point because she stated originally she can have an appraisal waiver in place and go with the amount of {$300000.00} which then my loan to value would be at 80 % .I told her I would like to speak with my wife first and I would get back to her shortly. After speaking with my wife, we decided we would still like to move forward with the refinance with Chase. I spoke with XXXX again and told her we would like to move forward. She then proceeded to take our {$500.00} deposit which she stated would go towards what we need to bring to closing XXXX {$2200.00} - {$500.00} = {$1700.00} to bring to closing ). On XXXX I received an email from Chase stating my loan was conditionally approved and introduced me to XXXX XXXX ( Client Care Specialist ). The emailed stated I will be working with her to gather additional information and documents when needed. I provided the documents and signed the application the same day. I noticed on the Underwriting Package on page 7, it stated Private Mortgage Insurance was needed on this loan. I emailed XXXX right away asking her what the discrepancy was, because XXXX ensured me PMI was not needed. On XXXX XXXX emailed me and stated she was going to reach out to XXXX to get more information regarding the PMI. XXXX emailed XXXX and myself asking to reach out to me about my concerns. On XX/XX/XXXX I never received an email back from XXXX but, I did received a phone call from XXXX with more changes to the closing costs and numbers on my loan. She stated now I would need to bring {$4500.00} to closing, a {$2300.00} difference from what I was told from XXXX back on XX/XX/XXXX, also that my refinance loan would also need PMI. I then asked why the amount change. She stated she wasnt sure why the closing amount changed but she thinks it was the amount of money needed to start my escrow account with Chase. I asked her how much was the amount, she stated she did not have that amount but she will get back to me. On XX/XX/XXXX XXXX called me stating it was not the escrow account that changed but the payoff loan amount that has changed. She stated when they pulled my credit report initially my payoff loan amount was {$230000.00}. She states they pulled my credit report again and now it shows the payoff amount being {$230000.00}. I proceeded to go online to my current mortgage lender to get the payoff amount statement. It shows the payoff amount is {$230000.00} if payoff date was XX/XX/XXXX. I asked her again where she got this payoff amount from. She states she got it from my mortgage lender, when initially she stated she got this amount from my credit report. I then proceeded the express my concerns that I feel like I am being baited and scammed because the numbers keep changing to more and more for closing costs. She then stated we can bring the {$2200.00} to closing. I then asked her would that be minus the {$500.00} that we already paid for the deposit. She stated no, that would be on top of the {$500.00}. I then asked her for documentation on my payoff loan amount stating {$230000.00} and the closing cost amount needed and an explanation on the discrepancies. She said she would get those documents to me. I am to the point I dont want to move forward with chase refinance and want my {$500.00} deposit back. I feel she has been dishonest with me and I would like to take my business elsewhere. XXXX XXXX XXXX Lending XXXX XXXX # XXXX XXXX XXXX Client Care Specialist NMLS # XXXX | ||||||
| 06/21/2021 | Yes |
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| After a 10 month long investigation into my balance transfer issue for {$3200.00} ( details below, part of the first complaint ), J.P. Morgan Chase bank did not resolve the issue and simply proceeded to send me a letter that they are ending a relationship with me thereby closing my company 's business account, Chase Sapphire credit card and checking account I have had open since XXXX. As a result, when I called Chase to inquire about the status of my balance transfer case, I was told that since the account is open, representatives can not see any more details of my account. Chase wants to keep my money {$3200.00} and make me give up on this case by closing my accounts. This made me look for another institution, my investments, direct deposits for my employer and inconveniencing me over their mistake or internal fraud. My business also suffered because I had to move my merchant account as well and the Point of Sale. I have given them time since XX/XX/XXXX to investigate but NOBODY from the parties involved at J.P. Morgan Chase showed any interest in my issue as a consumer and treated me with disrespect every time I called. I even had 2 supervisors from Cardmember Services hang up on me. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase ( started in XX/XX/XXXX ) regarding a refund. I am a cardholder of Chase Sapphire Credit Card issued by J.P. Morgan Chase. In XX/XX/XXXX, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX ( attached letter from the bank ) on XX/XX/XXXX. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. Since XX/XX/XXXX, I have been trying to express to Chase Cardmember Services, Chase Executive Office, Fraud Department, Recoveries Department, Chase XXXX, Credit Balance Refund Team, Customer Protection Department, Identity Theft Department, Security Department, Customer Claims Department and 2 branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that CQP received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund. Company 's Response Thank you for your patience We apologize for any confusion or frustration you experienced while we researched your concerns about not receiving the credit balance refund of {$3200.00}. We appreciate the feedback you provided about your experience with us and the length of time you spent attempting to resolve your concerns. Your feedback helps us serve you better. Our goal is to provide you with exceptional service, and we are sorry if we fell short this time. The {$3200.00} was deposited in a XXXX XXXX XXXX account XXXX XX/XX/XXXX, we made a deposit for {$3200.00} to the account ending in XXXX with XXXX XXXX XXXX. We have exhausted all our options throughout the duration of trying to get the refund returned to you. Please contact XXXX XXXX XXXX directly. You may contact them at XXXX to locate the funds if you did not receive them. You can provide them with trace number XXXX so they can locate the funds in question. We closed your accounts The Deposit Account Agreement allows us to close accounts ( other than a CD ) at any time, for any reason or no reason, without giving a reason, and without prior notice. We gave you a copy of the agreement when you opened your accounts. You can see the current agreement at XXXX. We mailed you the enclosed letter about the account closures on XX/XX/XXXX. Our decision to close your accounts will not change, and no new accounts can be opened. We show you visited our XXXX XXXX branch on XX/XX/XXXX, to close your business account ending in XXXX and personal account ending in XXXX. On XX/XX/XXXX, we show you visited the same branch to close your account personal ending in XXXX. We understand your complaint is of great importance and you wish a particular outcome. We are committed to service excellence and have given much consideration to your issue ; however, we have no further recourse in this matter. Thus, we consider our position to be reasonable, accurate and final and we will no longer respond regarding this matter. INSUFFICIENT INFORMATION TO TRACK THE FUNDS PER XXXX XXXX XXXX XXXX BANKER IN BRANCH XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Company 's feedback is not sufficient to resolve my claim. I went to XXXX XXXXf XXXX per Chase instructions but the TRACE number Chase provided is not recognized by XXXX XXXX XXXX. XXXX XXXX XXXX uses a 15 digit tracking number for ACH transactions. Chase needs to provide a 15 digit tracking number in a letter sent to my address in order for XXXX XXXX XXXXXXXX to open a case and commence an investigation to track down the funds. Also, last 4 DIGITS OF THE ACCOUNT NUMBER PROVIDED BY CHASE IN XXXX XXXX XXXX ARE NO SUFFICIENT AS THEY HAVE HUNDREDS OF ACCOUNTS ENDING WITH THOSE NUMBERS PER PERSONAL BANKER. PLEASE PROVIDE ADDITIONAL DETAILS ABOUT THE ACCOUNT OBTAINED FROM CHASE XXXX WHICH I CONFIRMED THEY HAVE RECORD OF. | ||||||
| 01/10/2019 | Yes |
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| On XX/XX/XXXX Chase made the decision to and did with no notice warning nothing to restrict and close all of the accounts my husband and I had with them and had with them for over 6 years due to some fraudulent activity I reported on these accounts. We are a lower income family my husband is a XXXX XXXX XXXX veteran, I am a XXXX XXXX stay at home mom and we have XXXX XXXX XXXX XXXX XXXX children. Chase restricted all access to the accounts from us and stated all deposits and transactions would be denied/ blocked and returned. They refused to give us any of the money in the accounts not even the funds that weren't part of the fraud. They said the account would stay restricted for the next 10 business days while they finished investigating the claims and that when they were done they would close the accounts and the remaining balances would be sent to us by check 10 business days. They also denied all pending auto draft bill payments everything. They said they were not allowing any activity at all and that all direct deposits would be denied and sent back to sender. ( we had 3 scheduled direct deposits that we couldnt reverse because it was too late and around the holidays they were my husbands paycheck for {$1200.00} for two weeks of earnings that was supposed to hit the XX/XX/XXXX, my child support payment of {$230.00} that was scheduled for the XX/XX/XXXX and our XX/XX/XXXX XXXX XXXX year old daughters federal social security XXXX payment for XXXX for {$770.00} scheduled to be deposited XX/XX/XXXX. They refused our car payment {$400.00}, our insurance payment {$280.00} and {$230.00} phone bill they also held all of our money that we needed to pay rent and feed ourselves and our children etc. Well I got documentation and submit it with a statement that due to the XXXX breach my husband and Is identity, financial, everything was compromised and stolen and were being fraudulently used etc. They opened over 15 fraudulent credit accounts as well as close to 100 inquiries for credit, they hacked all of our banking, utility and identity accounts and changed all of our identifying information, they charged thousands in fraudulent charges to our accounts they changed our log in info so we couldnt even monitor our accounts and had filed several fraudulent tax returns from for tax years XX/XX/XXXX- this year. They even stole my childrens social security numbers and information. I called chase to update them on all of this and inform them the fraud activity on our account was because of this and to appeal their ruling on our fraud claims. The fraud manager at chase proceeded to tell me " They didnt see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, youve previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didnt report them to us immediately. We mailed you a check for {$1300.00} Were sorry for any misunderstanding that may have occurred concerning how and when you would have access to the money in your account. We show this check paid on XX/XX/XXXX. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00} that we received on XX/XX/XXXX will be held until your claims have been finalized. Your claim for the {$30.00} XXXX transaction is still being researched and has a final resolution date of XX/XX/XXXX. Well inform you of our claim decision in writing once it has been finalized. The remaining money in your account ending in XXXX, which includes a direct deposit for {$770.00}, will be held until your claims have been finalized. If any money is owed to you, well mail you a check. '' I said " You accepted the Direct deposit of my daughters federal social security XXXX payment of {$770.00} on XX/XX/XXXX even though you completely restricted our accounts on the 1XX/XX/XXXX and rejected all of our automatic bill payments and refused to let me withdraw any of the funds in our account???? Now youre telling me youre going to hold it along with the rest of our account balance till you finalize the dispute XX/XX/XXXX and will issue and send me a check for the remaining balance in 10 business days??? So you fraudulenty accepted and essentially stole my XXXX daughters monthly federal ssi payment for XXXX and are not going to release it or give us access to it till end of XXXX early XXXX? '' She said well I dont know anything about that or why is was accepted etc. I said I want that resolved now or I will be filing a charges. Also I want to dispute the decisions made on my fraud claims they were absolutely not authorized and fraudulent they were a result of identity theft. I have never done any business with those online merchants ever! I dont ever shop online nor do I or have I ever spent that much money in single purchases. I notified you immediately when I realized the fraud I was not monitoring my account either. Theyre online not in my area. I am submitting the police report and all the documentation of the fraud including my information that was compromised in the credit reporting agency fraud. Including access to all my financial and personal accounts. Also saw 6-8 fraudulent inquiries for credit requests to you guys on my credit report that i want to dispute as well and know why i wasnt notified when my info was accessed and it was requested. This was tuesday XX/XX/XXXX, I have not gotten any response to my appeal/ challenging of their decision nor have they released my daughters federal payment or even responded as to how and why they accepted the deposit 10 days after completely restricting my account refusing bills and holding my income. This is illegal that was a federal direct deposit for social security payment for my XXXX XXXX year old daughter. | ||||||
| 01/20/2023 | Yes |
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| On XXXX I responded to an Offer Up listing for a second-hand XXXX XXXX called XXXX XXXX XXXX It came with a XXXX XXXX and it was listed at {$1700.00}. That is a pretty good price for that combination. Me thinking that I could purchase it and resell it on XXXX, I responded to the advert. The gentleman from the listing was named XXXX and he was located in XXXX XXXX, Utah. He responded about 45 min after I enquired about the product. He told me that he could send me photos on my phone if I was interested. I promptly agreed, and he sent me photos from his phone number ( XXXX ) XXXX. The pictures came in and the XXXX looked to be in good shape. I was eager to purchase the unit. He said that if I was interested in doing the transaction via XXXX. I told him that, to avoid anything weird, I would much rather wait till he got to XXXX and either gave me a call or texted me when he is shipping it and I'd get the tracking number off of him then and then I would make the transfer via XXXX. He agreed and we left it at that till XXXX. He then proceeded to let me know that he already had shipped the unit out earlier during the day due to him having a bit of a break at work and that he had the tracking label. He then proceeded to notify me that he would feel safer if the tracking number was blurred out until I sent the XXXX payment. He sent me a photo of a Tracking label and a XXXX receipt that both had tracking labels blurred. Both the receipt and the Tracking label had XXXX on them and my name and address and all the information detailed, as I had already given my information to him so that he could give me an estimate for shipping from Utah. Not thinking that this was a weird maneuver, I promptly agreed and asked him for his XXXX information. He gave me an email address. XXXX. He had notified me that I was to send the XXXX to that email address because it was a business name. Before sending it to that address, I noticed that it said XXXX XXXX. I didn't pay any attention to it as I was eager to get the purchase. I sent him a total of {$1700.00} ( XXXX TRANSACTION NUMBER : XXXX ). The price of the XXXX plus shipping plus gas to get to the XXXX and drop off the unit. He then responded 30 min later saying that he was driving and that nothing came through yet and that it seems that we need to give it some minutes to process. And then he asked me what it says on my end. On my end, it said that the money had been delivered and I sent him a cropped screenshot of my bank ( JP Morgan Chase ) confirming that the money had been delivered. He then proceeded to send me a screenshot of his bank app. It said that the {$1700.00} payment had failed and that it was being refunded in 3 business days. That it was being sent back to me. I then thought that was weird, as I have done {$2000.00} dollar transfer before via XXXX and it worked out great. I proceeded to Tell him that I would try it again. But that I had a daily limit of {$2000.00} dollars on my XXXX. He said, if I could try to send it to his wife. Her name is XXXX XXXX ( XXXX ). I agreed that I would try to send it over to her. When sending money to her XXXX account, I noticed that I was only able to send a Max daily limit to that account of {$500.00} dollars. I notified him of this issue and told him that I would send the {$500.00} dollars today and tomorrow I would send the remaining balance. He agreed, as the XXXX of XXXX was a Holiday. The {$500.00} dollars ( XXXX Transaction Number : XXXX ) went through from my bank and I still owed the remaining balance of XXXX. ( {$500.00} + {$1200.00} = {$1700.00} the total of the XXXX and XXXX ). The following day, I sent him two payments of {$620.00} ( 1 ) ( XXXX transaction number : XXXX ) ( 2 ) ( XXXX transaction number : XXXX ). I had thought that maybe his bank were rejecting my XXXX due to a large transaction all at once. So I had told him that I would split up {$1200.00} into two transactions and he agreed. My bank did flag this transaction and called me. But not thinking that there was a scam commencing, I spoke to the gentleman, and I told the bank that it was a legitimate transaction. Both of my transactions went through on my end, but he again sent me screenshots from his mobile app that showed rejected and sending back to my bank in 3 business days. He then proceeded to notify me that he had to put the package on hold on the XXXX app until the matter got resolved. He proceeded to share with me a screenshot. I told him that I understood and that the only other option was for me to send him a XXXX transfer of the remaining {$1200.00}. He was initially reluctant to the idea. According to him, he wasnt able to get access back to his account because it had been a while since he used it. An hour later, I received a text from him stating that, his work colleague had an account and that if I was comfortable, I could send her the {$1200.00}. I was annoyed and just wanted to get this transaction over with, so I promptly agreed. I sent {$1200.00} ( {$1200.00} plus XXXX fees ) ( transaction ID : XXXX ) to his colleague ( XXXX XXXX ) via XXXX friend. I used XXXX XXXX to make the transaction. 30 minutes later, He notified me that the payment had gone through and he had removed the hold on the package from XXXX and it should be delivered on XXXX The package never came and it never has. I was ghosted by XXXX. I promptly contacted Chase on XXXX and they told me that they were going to try to retrieve that money and to wait for 3-5 Business days. I never got word back from Chase until XXXX when they said that their pursuits of retrieval were unsuccessful and that I needed to file a report via XXXX. So I promptly filed multiple reports for all of the transactions with XXXX on XXXX On XXXX I recieved a response from XXXX saying they can not help me and to contact my financial institute. I am aware that EFTA Regulation E protects me in these matters, but anything to help me would be great. Thank you! | ||||||
| 11/29/2021 | Yes |
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| 1. JPMCB CARD Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with JPMCB CARD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | ||||||
| 05/15/2020 | Yes |
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| I applied for a new Chase Freedom Card which was intercepted from my mail and used fraudulently in the XXXX area. I have never had physical possession of this card. I reported the fraudulent activity as soon as I learned of it and a replacement card was mailed. However, after 6 weeks, Chase suddenly decided that I am liable for the two initial transactions made on the card the day before they closed the account in XXXX. I tried numerous times to contact Chase once I learned they were trying to hold me liable, but was on hold for almost 2 hours and the person I finally was able to speak to was not able to determine why I was being held liable and attempted to transfer me to Fraud Recovery. The representative then found that they were not taking calls and instead provided an email address ( claiming COVID19, but under the same circumstance, I was able to reach representatives from two other banks for this identity theft issue and solved the problem right away ). I tried to contact Chase through email as the phone voice message recommended and was given a " direct phone line '' to get more information, but calling the number just led to another voicemail recording saying they are not taking calls and gave the same email address again. Call->email->direct line -> same email. Chase made a loop that would not allow consumers to contact anyone for productive communication. I sent multiple emails to Chase giving the timeline of events, the police report number, the FTC Identity Theft Claim reference number, and asking them to provide me with the evidence they were using to claim that I was the one that made the purchase. I also informed Chase that I was already a XXXX member and that the thief created a new account in my name at a particular XXXX in XXXX on the day of the fraudulent charge. Chase instead decided to accuse me, a longtime loyal customer, of trying to defraud them of $ 9000+ without showing any investigation made or evidence of me personally activating their credit card. I am also curious why a $ 9000+ transaction on a brand new credit card was not flagged, and only subsequent charges of smaller amounts flagged. Was the signature verified on the transaction? I never got a single response or acknowledgement of receipt from all the four emails I submitted to Chase. While I keep receiving the same, impersonal, cookie-cutter letters weeks later ( attached ). These condescending letters ( which I have received four in total ) provide no information other than we reviewed your claim and found them to be valid. You are responsible for paying. We have reported to the credit bureaus that you disagree with our findings. Be assured that we investigated the claim thoroughly. No explanation. No other means to proceed other than pay up. No information on my rights under the Fair Credit Billing Act as consumers should only be liable for up to {$50.00} when a card is physically stolen. I did my due diligence and reported the card stolen as soon as I learned of it. Since Chase decided to leave the investigation to the accused, I called the XXXX where the transaction took place and within ten minutes of speaking to the Membership Supervisor, learned that they had a photo of the new membership that was created under my name on that date ( that made that transaction ), with a completely different picture than the picture XXXX already had on file of my real membership ID. I learned they also had video surveillance footage of the exact transaction that took place and it matched the newly created membership. This is the most basic level of digging that Chase should be doing and they failed to do so. I informed the sheriffs office about XXXX having evidence. The sheriffs investigator obtained them and allowed me to have a copy of the transaction receipt and a copy of the fake ID of the man that made that transaction that day to submit to Chase as proof ( the investigator was surprised that the bank was still holding me liable at this point ). I have attached a photo of the provided evidence with my real drivers license to show the difference, and the investigators information if Chase needs more proof that it was not me. The police already knew the identity of the man. Since Chase has informed me via letter that they will no longer look into this case, I am submitting this information to them via this CFPB complaint. Being a longtime member of Chase and having spent tens of thousands per year using their credit products, I am extremely disappointed in their treatment of loyal customers. There was absolutely nothing I could have done differently, as all I did was apply for a new credit card, and reported it stolen as soon as I learned of it. Communication was extremely difficult compared to any other financial institutions. Furthermore, essentially accusing me of trying to defraud them of $ 9000+ without providing any evidence or recourse and putting the burden of proof on me and reporting it to the credit bureaus before actually speaking to me in person is irresponsible and lazy. Trying to bully me into paying for their own systematic inadequacies with Fraud Detection and Investigation without informing me of recourse or my rights under the Fair Credit Billing Act seems like a violation of law and they should not be allowed to do this to other consumers. Chase made a mistake without doing any investigation and it wasted me and my wife 6 weeks of time on top of the financial stress they cause for a small family with two young children during a global pandemic. I was in the middle of starting a new business and their decision to maintain a $ 9000+ balance on my credit card made it impossible to apply for a new business credit card due to the artificially high credit utilization ratio ( I have excellent credit and always try to maintain a low balance ). This has delayed the startup of my business by several months and has affected our finances significantly. | ||||||
| 06/30/2020 | Yes |
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| This is a follow up complaint to one submitted yesterday ( CFPB Complaint # XXXX ) Yesterday evening, I waited on hold with JP Morgan tech support services at XXXX for 1.5 hours, after which, I was disconnected. Thereafter, I called the same number again and waited another 1 hour before hanging up since it was after midnight at that point. Previously, I had called the local branch in XXXX, NJ where I go frequently for banking services at XXXX. A recoding at that number for days has referred callers to other toll free numbers at JP Morgan Chase. In other words, the branch where I go often is not taking telephone calls but when the toll-free other numbers are called, no one answered the call for 2.5 hours except to ask for credit card info and then dumping me into an automated system which later disconnected me when I asked the representative to wait while I got the credit card information. This bank is criminally evasive in correcting is own errors that create havoc for its customers. Today I called the same tech support number and reached someone who was difficult to hear. Given the recent history, I asked immediately for a supervisor and was immediately told that none were available. After that, this guy said he had to transfer me to someone in Chase Private Client Services to handle the call. The guy in Chase Private Client Services said he could not handle the call and then transferred me back to tech support. This time I was put through to someone who claimed that he was a supervisor in tech support, that he was located in XXXX, and that his name was XXXX XXXX. He then said he had to transfer me to a division that handled electronic transfers for the bank. The next guy I was transferred to said his name was XXXX and that, in contrast to XXXX XXXX, he was not allowed to provide a surname or an employee ID number. He said he was located in XXXX in the XXXX. When I asked what division of the bank he was in, he said the Fraud Hot Line. I then told him that XXXX XXXX had told me he was transferring me to the electronic transfer division, at which point, XXXX claimed that he also handled that, probably one of many lies from XXXX. XXXX declared that he needed to follow several authentification procedures. He then asked for a cell phone number where he could send an authentification code. I explained that if he sent a code to the number I was talking to him on, the call would probably be disconnected and I therefore asked him for a number where I could call him back. He refused to provide a number where I could call him back and said there was no way to call him back. After more wasted time, I provided a total of 3 different cell phone numbers to him for the code. In each and every case, XXXX declared that he could not/refused to send the code to any of the 3 different cell phones I provided to him. Next, after exhausting his first ruse, XXXX said he had to put me on hold which he promptly did. While I was on hold on one cell phone, XXXX then called me on the second cell number Id given him ; although he claimed that he could not send a code to either phone, that did not prevent him from calling either or both numbers and telling me I could not call him from either. After XXXX initial ruse, repeated 3 different times, of needing a number to send a code to, then refusing to do so 3 different times to 3 different numbers, XXXX next declared that my legal name on my bank account is something other than what it is. Yet I have one and only one legal name, the same one that has been on this account for nearly 30 years. As it happens, it is the same name that appears on all of my banking records, property records, tax returns, and social security card. That also was not good enough for XXXX, who insisted on attaching an alias to my checking account and demanding that I tacitly approve his behavior. It is quite amazing the lengths that JP Morgan will go to to evade responsibility for its criminal mistakes, much less correcting them in a timely manner. Today, I spent another over 1 hour and 40 minutes on the phone trying to get JP Morgan to correct its error that is clearly documented in the banks own notations on my checking account. Among them are that : 1 ) The account I had scheduled the transfer to had been used previously for the same purpose, had been verified by JP Morgan itself and was listed as an active external account linked to my checking account. 2 ) It is clear that JP Morgan stopped the transfer without warning and for arbitrary reasons, in that a note attached to the cancelled transfer reads, We cancelled your payment and wont process or send it. ( NB : this indicates that JP Morgan does not distinguish between and conflates a payment with a transfer. This was a transfer, not a payment. ) A second, similar note is attached to the cancelled scheduled transfer under the transfer activity on online banking for my accounts. 3 ) As mentioned, transfers from my checking account to this very account had already occurred. In addition, a transfer for a smaller amount of money ( {$500.00} ) from my JP Morgan checking account to the recipient account at XXXX actually went through the following day, XX/XX/XXXX. When caught red-handed by its own internal and online documentation with inexcusable, irresponsible and illegal activity, JP Morgan does nothing except go to the most extreme and absurd lengths, of even renaming its customers, to evade admitting, much less remedying, its errors. Yet the CFPB fails to prevent or effectively sanction such behavior. From online banking records, the account number that was to receive {$1500.00} at XXXX ended in XXXX. The transfer was scheduled to leave my JP Morgan account on XX/XX/XXXX and arrive at XXXX by XX/XX/XXXX. Yet it was cancelled for arbitrary and capricious reasons by JP Morgan, despite other transfers of the same kind going through, before and after this one, without notice or my permission. | ||||||
| 09/21/2019 | Yes |
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| In typical fashion, Chase botched my application for its VISA Freedom card and, without informing me, changed an application I made into one I did not make, did not authorize, did not want, and do not want ( one with a wrong address on it ). In addition, it has violated my privacy, against my express wishes, and contrary to what I was told, it has stored and used an email address for me it told me years ago it had deleted and no longer retained. The habitual lies of its credit card division should be sanctioned definitively by the CFPB. If XXXX XXXX was sanctioned for making unauthorized applications for its customers, why is Chase allowed to do so? Recently, I applied online for the credit card because a hard copy application is not available to down load and use. To protect myself against Chases unauthorized use of my personal data, I want to submit my own applications that are completed in my own hand and to retain a copy of what I submit, but this is not allowed in the mindless age we live in. Chases changing my application as it did, without even telling me, into an application I did not make, is exactly why I do not want to apply through its website, because the website is not secure, especially from its own employees, and I can not obtain real proof of what I submitted. Chase engages in a harder-to-detect version of what XXXX XXXX became infamous for : applying for products that are not authorized by account holders. Chase altered the application that I tried to make in the only way it allows, and then submitted an application that I did not know about or want. It appears to have checked my credit for something I did not authorize, for something it advertised, falsely, a credit card I tried to apply for but was prevented from applying for by Chases unauthorized and untraceable alterations to the application I submitted. Worse than the foregoing, I would never have discovered Chases falsifying my application and using an email address it had told me years previously that it had deleted since I told it never to use it, unless I went into a Chase branch office recently in XXXX, VA when I was travelling, to see if I could get the card Id been approved for so that I could use it while returning home. I had seen through online banking that a new credit card had been set up under my accounts with a new account number, but could find no other information about it, such as the application that I had submitted for it or how or when I could get the new card. Later, some information was added on its online banking website, but subsequently deleted so that its reprehensible behavior could not be traced, no doubt. The number on the unusable credit card account it eventually sent to me is XXXX. Although I was told that it was activated after I followed steps to do so, it is blocked and Chase no doubt wants me to explain just how and why it screwed up the card. I prefer to have the CFPB do so. The young gentleman who helped me in the XXXX branch called someone to try to find out about the new credit card that had been issued to me. He was told that it was sent to an address I had not used on my application, much less would want a credit card for. Thanks to the inept handling of the application, the address was changed by Chase without telling me which then sent me a credit card, at the wrong address, that I had not applied for and do not want. The gentleman then told the person on the phone to send it to the correct address where I eventually got it ( or another one ) but could not use due to more recalcitrant errors by Chase. In the middle of it all, Chase appears to want to talk to me about what theyve done, despite me applying for the card I wanted, no other, and despite the gentleman in the branch telling the credit card automatons to mail it, what a surprise, to the address on my application. Still this did not satisfy the deeply entrenched dysfunction of Chase credit cards, as I received a credit card, eventually, at the address on my application and was told in material that accompanied it that I had been approved and just needed to activate it. This, typically, was more weaseling and false advertisement from Chase. Although I was told by one of Chases myriad of unsupervised, lobotomized computers, that I succeeded in activating it, the card is blocked, I can not use it. Why doesnt the CFPB do some good and require Chase to get its credit card division to clean up its act? Heres a hint : only graduated sanctions of sufficient monetary amounts, freezing its ability to open new accounts, and not allowing it to pass on its bumbling operations ' expenses, including sanctions, to its customers, will get XXXX attention. But of course one wonders whether the CFPB really wants to get this kind of disciplinary attention of credit card issuers these days. Neither I nor other applicants should be abused, deceived and treated unfairly by the secret machinations of a deeply embedded, robotic culture at Chase credit card divisions that is not effectively sanctioned and prevented from wrong doing. Get this credit card working without requiring me to jump through any more hoops, particularly without having me to spend any more time talking to these intolerable XXXX XXXX, and ensure that my brother, XXXX XXXX XXXX, is credited with the advertised amount for referring people to apply for the Freedom Card. If it had not been for him, I would not have known about this credit card, much less applied for it. ( Online, in its typically creepy ways that the CFPB does nothing about, the credit card division requires an email address to award this credit, another sign of the below-the-radar invasion of peoples privacy that Chase credit cards engages in. Chase has the ONLY email address for me that I want it to have : XXXX, and I am forced in the obnoxious, harassing, invasive practices of Chase, to confirm this ad nauseum, each time I use online banking. ) | ||||||
| 08/28/2022 | Yes |
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| Hello, On XX/XX/XXXX, 2 random inquires from XXXX XXXX XXXXXXXX popped up on my credit report. They are and will be past business bank accounts of ours as well as personal checking/savings and credit card. I recieved X2 Hard inquires on the same day which took my credit score down by XXXX points. These were dated back : XXXX XXXX XXXX applied for credit XX/XX/XXXX : This was NOT done by me. XXXX XXXX XXXX applied for credit XX/XX/XXXX : This was not Done by me XXXX XXXX XXXXXXXX has been the worse decision I have ever made as they have continually done this through the years without any merit or conset. The offers they send not only are discarded, but they also say that they are soft inquiry only variety. So to have a hard inquiry and 2, at that show up on the same day with different dates in the far past that I did NOT apply for, fill out any form or do anything to engage in or use XXXX XXXX XXXXXXXX whatsoever is debilitating to my credit report especially when I am trying to buy a home and rent an apartment. On Friday XX/XX/XXXX I had went into the branch I started the accounts and inquired why these were showing up on my report. They could not answer the questions ans they show no forms or online forms that connect myself, my business account nor my DBA with these dates or hard inquiries. They told me that they were " perplexed '' that this could happen and that they have several departments that possibly handle this. On the Week of XXXX XXXX XXXX I had kindly called all of these numbers, were rederitcted to other numbers and filed an immediate removal of these inquires. I was answered with once again, the ability to not know how or why they got on that report nor able to supply evidence of it being Myself or myself ( XXXX and XXXX XXXX XXXX of my businesess XXXX XXXX XXXX XXXX and DBA XXXX XXXX. Furthermore, XXXX XXXX XXXX has no record of XXXX XXXX XXXX being our buisness bank account and reports no financial connection between my business and our 6 accounts we have with them. Further more, XXXX XXXX only picks up 1 payment to my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, internet, TV, ... XXXX XXXX water, sewage and trash, Subscription based credit and trade lines, or any type of continual ongoing lines, credit or information pertinent to my credit health and paid on time and even early over the past 7 years. Again, they have no explanation nor any clue on why they are not connected. The Acccounts clearly state that they directly will report to these beurous including XXXX XXXX XXXX, XXXX, XXXX and XXXX. Interesting how they will report bogus hard inquires, but not anything of true value as I have documentation of the original requests and promises that XXXX XXXX XXXXXXXX state to report to these agencies upon opening of a XXXX Account and dollar amount which we have surpassed every single year since we opened the account in XXXX. At that time they were to report to XXXX XXXX for our busines and my personal account as they are both used when anything happenes. I have since then been able to start the process of seperating these 2 as my credit directly effects my business which is of the highest standards in quality, kindess, empathy and compassion. Our values of of the highest and we are creating change in our enviroments to grow other people sense of kindship, creativity and honest and integrity. XXXX XXXX XXXXXXXX has done the obverse and coninually created hardships for us, charged us bogus fees, and recently paid credit card payemtns for us or a glitch in their system is paying our bills 3X a day on the same day for different values. they have no explanationi for this either as I dont believe they have any control over their security anymore. We have had X8 data leaks from XXXX XXXX XXXXXXXX and had to get new Cards shipped to us due to their inability to secure their business structure and IT structure resulting in our infomration being leaked to the public. Their recent, the biggest in history has been the start of this current complaint. Again, 2 hard inquries on all credit reporting agencies, and highly negativily impacting my business and personal credit. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual DATES of illeged incidents : -- XXXX reports : XX/XX/XXXX, XX/XX/XXXX -- XXXX reports XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Bank Account Misrepresentation, payments and misuese of my personal account resulting in higher fees, overdraft fees of values I have never seen or read about and confusing data to accompany these transactions with no evidenece they were made by Mysel of my business. on XX/XX/XXXX there was a Credit card payment of 3 varieties on the same day, 3 different values : {$35.00} {$150.00} {$200.00} This was a glitch in their system but I belive it ended up charging me overdraft fees. This is not the first time this has happened. ALL BELOW ARE BOGUS, AND I CALLED ALL OF THEM AND THEY REPORTED NO EVIDENCE OF ME APPLYING FOR ANY OF THESE!! THEY SUGGESTED I CONTACTED THE CREDIT REPORTING AGENCIES AS THEY HAVE NO IDEA WHAT AND WHY THAT WOULD HAPPEN. XXXX XXXXXXXX : Reported a Hard inquiry and a 30 days late In XX/XX/XXXX. Both were non legitiment credit reporting. I did have them remove the 30 days late, but they said it would stay on the report for 90 days before it can be removed which I know is against the fair trade and credit act. XXXX XXXX : Also did a hard inquiry on XX/XX/XXXX This was not enabled or requested or anything by myself and also just showed up on my credit report out of a random inquiry and hurt our credit report. Jpmcb Card : another inquiry I have no clue where came from but called an no way to contact. You applied for a credit card on XX/XX/XXXX XXXX You applied for a loan on XX/XX/XXXXXXXX XXXX | ||||||
| 07/31/2023 | Yes |
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| On XX/XX/XXXX, I put a deposit on a merchandise to be ordered at XXXX. Unfortunately, the services were never performed due to lack of communication after placing the deposit. I have asked chase to reopen this dispute three times, by the time I submitted my paperwork the dispute department had already finalized their decisions. Which I dont understand, I can not fathom how the chase dispute department credited XXXX this money when they did not render any services or supply any merchandise. I do not feel as though the chase department is protecting my money, our car never went to this shop or received merchandise. No engine was received at their shop the next day there is absolutely no proof of that. This company left me in the dark and did not attempt to contact me until after I left a review on XXXX, which goes to show what type of company this is. XX/XX/XXXX, I realized the money was reversed to the shop, I called and was told to send in all my information to the dispute department not realizing you guys made a decision on the XXXX. On XX/XX/XXXX, I received a letter dated from XX/XX/XXXX saying that you guys finalized a decision and credited the merchant XXXX dollars. Whoever works in the dispute department for chase and made the decision on this needs to be fired. They sent in only their messages, not our replies to their text messages. They also got away with lying saying that the engine got there the day after. I was calling for a week straight and they kept putting us off. They pick and choose what they wanted to submit as proof to make themselves look good and as if we backed out on the transaction which wasnt the case. These people are illiterate, and full of lies. The XXXX dollars was a deposit, I wasnt purchasing anything and that was not the full amount of the work they were supposed to do. As you can see there are clearly messages stating that he would gladly refund us our money back if we agreed to take the review down. Also, why was this money refunded without receipts or anything of that matter? Of course, we are on video, we are making a deposit, and there was absolutely no sign stating, no refunds. It is clear that your dispute department does not do the proper investigation required to determine who is at fault or not. Not only that, but the mechanic also just wants to steal money from me to cover themselves. Chase, return me my money and let them take me to court if they feel they are entitled to that money. It is clear that you guys are for the merchant and not for the people. All these documents included are to dispute the claim of the {$1900.00} from XXXX. As shown in the documents Im providing, I constantly called to receive information on the engine that I put a down payment on but as Ive mentioned numerous times in this email, we did not hear back from anyone until after I left a review! Before doing so, I was constantly calling and getting the voicemail, the last call I made was on the XXXX to let them know we no longer want their services which were left on the voicemail as well. Just before that, I also had my son call numerous times and no one was around. I am baffled that Chase reversed the payment to the merchant, our car was never towed there, nor was it serviced, and we did not get any merchandise from them. I dont know how else to make this clear! I feel as though I am being robbed simply because they do not want to return that engine from where they purchased it from and therefore want me to be responsible. Why should I be responsible to pay for an engine that I do not have or for services that werent rendered to us? This entire ordeal has cost me a great deal of stress, I feel as though the owners brother sent us somewhat threatening messages as well, but we disregarded them figuring this situation was solved. I did not think that Chase was going to return the money back to them. I do not understand how the little information they provided to Chase was adequate enough for the shop to get that money back. What exactly am I being charged for?? An inconvenience they caused themselves? To my knowledge I thought I was protected with {$0.00} Liability for unauthorized charges, and this is an unauthorized charge. This is XXXX XXXX in my perspective. The only defense that they have is that I went on the XXXX making a transaction and of course I did, I was leaving a down payment for services. Which as I previously mentioned, were not rendered to us. I will also be filing a review with the XXXX on that Establishment. This company has horrible reviews which I shouldve seen beforehand. They ordered the Engine when they felt like it, giving me a promised date with lack of communication and business etiquette. Then after we called and left a voicemail to stop services because it was taking longer than expected, they were highly upset and the icing on the cake was after the review we left. I hope that the Chase Dispute Department does their due diligence and actually looks over at all the relevant information that we have provided and makes a conscientious decision! There are no lies being told and no fictitious information given. I feel as though the dispute department is refusing to scrutinize my proof. The merchant is sending the same type of information that I am sending, however mine is more detailed and factual. I also do not agree with the claim being valid, I know that we have much more substantial evidence and I will keep submitting my claim along with taking it a step further and seeking legal help if necessary. As I have stated numerous times, beginning to sound redundant, my car never made it to the shop and no diagnostic was done. Also, this shop did not provide an engine, receipt of an engine or anything remotely close to information concerning a purchase of an engine. Therefore, we did not receive any merchandise or services. I look forward to your reply and a resolution to my problem. | ||||||
| 02/11/2023 | Yes |
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| On XX/XX/23, I got a personal phone to use, as I could not use my company phone for personal use anymore. I received the new phone number and proceeded to update all my accounts with my new phone number. I went online to chase.com. but because my work phone I had set up as face recognition, I couldn't log in. I put the password I had recorded as my bank password but it wouldn't take, so reset my password. Went into my account and updated my phone number. XX/XX/23 went to log in to my account and it was flagged as restricted due to fraudulent activity, please call ... ..... I called the number where I was told that chase reviewed my accounts and determined that they can no longer service them they were closing my accounts. I had 10 days to withdraw the money before they closed them and mailed me a check. I called a few times and was told the same thing. I proceeded to a bank branch where I was asked what they can do for me. I explained the situation, and was told there is nothing we can do for you. I said to the lady I have my mortgage and all my accounts with you, I need some help. she told me to have a seat and someone will be with me. a short time after a gentleman greets me and asks me to follow him. He is the " greeter '' in how he explained that he doesn't have permission to do anything on my accounts but he can make some phone calls to see what is going on. He did go above and beyond and was very nice and apologetic. end result was they wouldn't give him the reasons either but told him he could give me my money. Now I am also on both my son 's and daughter 's checking accounts as a secondary. he asked about their accounts. He was told they could take my name off their accounts call the security team back and they would un restrict their accounts. We proceeded to the teller, where they filled out the withdrawal slips ( it's important to note here that I did not have access to my account to see anything, so could not tell what cleared or was pending or anything like that ). they gave me a cashier check for my savings, and cash for my checking when we proceeded to that account rep who would take my name off the other accounts. She responded with a nope sorry nothing I can do, didn't try to log on or call anyone. 10 mins later my son meets me at the bank to withdraw his checking money and close his savings account. We proceed to find another bank to open accounts at. Because my account is new I am not getting access to all of my money until XX/XX/23. On my way home, I call the security numbers I was given through the customer service complaint I made. The gentleman was very nice and apologetic. and frankly in awe of what was going on. he put me on a brief hold. came back and asked me what was i looking to accomplish with this call. I said well for starters you all blocked my access to my online banking, how am I to get access to my mortgage account to go update my payment account, second my daughters account, her account needs to be unrestricted what can we do. he said I will release your online account right now. He put me on hold came back and said for your daughter 's account the branch needs to take you off, then call us so we can un restrict it. I said sir I tried that at the first branch they refused to even try or call anyone. He said there is no reason they should be refusing or not trying. By this time its XXXX in the afternoon and the banks are closing I asked if we went tomorrow is this what we can do he said yes, I said and if they refuse can she withdraw her checking account funds and then turn around and just open an account in her name only, he said absolutely. I said ok thank you. On XX/XX/23 my daughter goes to the back around XXXX, explains what is going on, calls me on speaker phone, they asked what restricted my account in the first place. I told her I had no clues chase refused to give me that information. she calls the security team, and now they put notes on file every time I call. They tell them nope nothing you can do, we are not giving you permission to withdraw funds, her accounts need to be closed and this family can no longer bank with chase., she will get her funds mailed to her in 15 days. I call the executive team, where I made a complaint the day before and they called to let me know a case has been opened, I explained what was going on. I told them she needs her money to pay her rent, but they put me on hold and calls the security team to try to get them to release the funds. he comes back on after a few minutes and apologizes but he could not get them to release the funds, they are holding the funds because ( here is the best part ). when the bank did their calculations, my husband 's paycheck which was pending, was sent back and now the account is overdrawn, I explained that is not my fault, I did not have access to my accounts they did all the paperwork and filled everything out. he said I know we can see that and I explained that to them, but they still refuse. Now my daughter doesn't have access to ANY of her money, and more than half my money is tied up for weeks due to having opened a new account. We are being treated like criminals being made to feel like yesterday 's trash, for NO Reason whatsoever and they have taken our lives, XXXX. Then to be told my money should not have been released either, are you kidding me, you wanted to hold my money XXXX as well. Not give a XXXX as to how we are supposed to live or pay bills. I've banked with them for over 25 years, and we were given no notice, no phone call, and no email. just restricted our accounts, and couldn't use our debit cards. And we are told chase does not need to give you any reason they choose to not do business with you. This is not right and seems very illegal to hold people 's money XXXX. This is not how innocent people should be treated. We are humiliated and feel like we are doing something dirty by asking for our money. | ||||||
| 06/25/2020 | Yes |
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| On XX/XX/XXXX at XXXX XXXX, I received a Chase Fraud email notification asking for a response regarding an attempted purchase from XXXX. Upon awakening and seeing the email, I called Chase Fraud and notified them that it appeared that our account had been compromised, requested that the account be closed and a replacement card/account be sent. I reviewed numerous charges on the card ... I identified quite a few ( I don't remember exactly how many ) that didn't appear to be authorized by either my husband or I and was assured that they would be removed. Within 24 hours, we received replacement cards. On XX/XX/XXXX, I saw that three of the charges were still shown on my online account register. I called Chase Fraud and was told that they were being researched. Indeed, on XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that most of the disputed charges had been removed, but that three of them were still being researched. On XX/XX/XXXX, we received a letter ( dated XX/XX/XXXX ) outlining that the three charges were still being " investigated ''. We assumed that eventually they would be removed, as we did not make or authorize these charges. However, on XXXX XXXX, I was contacted directly by one of the Vendors, Amazon, regarding the {$13.00} amount posted XXXX. I had not initially recognized this amount, as it was for a purchase actually made on XXXX ( before the card was compromised ). When this date was brought to my attention, I authorized that Amazon re-charge that amount to my new card. On XX/XX/XXXX, I called Chase Fraud regarding the fact that three charges had been re-posted to our new account. I was told that a resolution had been reached but that he couldn't discuss it with me and that " I'd have to speak with someone in Chase Recovery, but they weren't taking incoming calls. '' He took my contact information and assured me that we would receive a call. Late that day, we received a letter ( dated XX/XX/XXXX ) saying that Chase had determined that the three remaining charges were valid and were re-posted to our newly issued credit card. On XX/XX/XXXX, we attempted to make a call Chase Recovery to the number listed to call on the letter, and were directed to leave a message. We left a message. To follow up, the first of several emails were sent to fraud/recovery. No acknowledgement of receipt was made. On XX/XX/XXXX, after hearing NOTHING from Chase, not even an acknowledgement of the email 10 days earlier, we attempted several phone calls. Recovery was still not taking phone calls and several calls to Fraud resulted in getting disconnected/hung up on for a total of 90 minutes. After literally wasting copious amounts of time, I wrote yet another email. It, too, went unacknowledged. On XX/XX/XXXX, I once again called Chase Fraud, as Chase Recovery was still not taking calls, or messages. At that time, I was told that one of the three charges ( XXXX ) had already been removed, one ( Amazon ) would be removed shortly and the third ( XXXX ) was " being worked on ''. I notified that rep to note in our records that we would NOT be paying this disputed {$1200.00} amount with our upcoming credit card payment due. Just after contacting Chase, I called the Vendor ( XXXX ) myself to see what I could find out. XXXX, the Customer Center rep I spoke with, noted that my account only showed two purchases in the past four years ... neither was the {$1200.00}. She noted that if a charge from XXXX appeared on my Chase credit card, only Chase could reverse the charge and/or make inquiries about that purchase, but that they didn't have any records of me making a purchase in this amount. On XX/XX/XXXX, we received another later ( dated XX/XX/XXXX ) stating that Chase has investigated this amount and that they were " closing this fraud claim and won't respond to requests for additional reviews unless you provide new information. '' Now tell, me, how can we provide information for a purchase that was not made, was not authorized and was reported as fraudulent almost 2 months before? According to the Vendor, only Chase could determine what was purchased and the address to which items were sent ... it doesn't appear that they ever did so. Following up on that latest received letter, we sent another email XX/XX/XXXX, requesting that information from Chase ( name of purchaser, contact information for purchaser, list of purchased items and delivery address ). We received an email was acknowledging receipt of this email ( a first ). On XX/XX/XXXX, we received another form letter. Word for word, except the date and the signature of the " Specialist ''. Of course, Chase didn't provide the information WE requested. I had noted that we were expecting to close our account and would need to provide this information to the credit reporting agencies so that we could minimize the " hit '' to our credit score. Might I point out that NOT ONCE has Chase personally reached out to us ... personal communications have been all one sided, despite repeatedly being told that call would be returned ... how is it that Chase can determine a charge is valid when it was disputed the same day that it posted on the account? Only Chase could have reached out to the Vendor, refused to honor the charge and credited our account. Due to their sloppy and not timely work, we are being held accountable for a fraudulent and unauthorized large charge. I am attaching copies of all pertinent supporting information. What we want done, is the original charge, along with the associated finance charges be reversed and the account closed. More finance charges will be assessed on or about XX/XX/XXXX, too. I might note that we have ALWAYS paid our credit card balance in full every month, with the exception of the disputed {$1200.00} amount which has now been assessed interest charges in the amount of {$68.00} ( {$33.00} on XX/XX/XXXX and {$34.00} on XX/XX/XXXX ) | ||||||
| 10/30/2018 | Yes |
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| From XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Reference ; illegal a loan practices by a Subsidiary servicer of the Chase Bank, not acting in good faith Servicer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX phone XXXX XXXX XXXX email : XXXX We would like to Bring this matter to your attention and seek your assistance in resolving this matter. We have taken four mortgages from chase bank between XX/XX/XXXX and XX/XX/XXXX. We always took the Mortgage through a broker named XXXX XXXX who later changed their name.in All four cases XXXX XXXX sold the mortgage to Chase bank and due the predatory lending practices we were forced to sell the first three houses, we were fairly new to the country and did not know any loop holes. Some of them were balloon mortgages. We were aware of these traps till we started getting trouble with the 4th property which we are currently residing at XXXX XXXX XXXX XXXX XXXX NY XXXX. We bought the house in XX/XX/XXXX with a loan from XXXX XXXX which was sold to chase as usual. The house was purchased for {$600000.00} and the loan was for {$680000.00} with total finance of {>= $1,000,000} at an apr of 9.2 % of Our Income expenditure was not enough to make mortgage payments of {$5800.00} a month. By XX/XX/XXXX we started having troubles in making payments. We started applying for a modification on XX/XX/XXXX after delays and delays they finally approved a modification in the beginning of XX/XX/XXXX. In the beginning the loan was serviced by XXXX mortgage and later by XXXX servicing I believe both them practiced bad lending and has put lot of people out of their homes. and I believe, XXXX XXXX XXXX changed their name to XXXX when they were caught for their bad lending practices. The payment plan was as follows. {$4800.00} for24 months, {$5800.00} for the next six months and {$5900.00} for the remaining330 months. An amount we can never afford. In my first modification request the bank did not negotiate in good faith and did not give me a program that can fit our budget. We informed them of the difficulty but the bank didnt care.it took thank 18 months to process the modification request. The mean time interest, Principal, late payments attorney fees accrued and my {$480000.00} loan became {$750000.00} the final figure now is {$880000.00} Unfortunately, I had a XXXX XXXX on XX/XX/XXXX and a XXXX on XX/XX/XXXX which put me on XXXX. My wife had to quit her second job to take care of the XXXX me. I am on XXXX XXXX retirement pension and is working on the social security XXXX retirement pension We made our last payment on XX/XX/XXXX and since then we could not catch up with the payments. During XX/XX/XXXX we applied for modification and this application is going for ever with no decision for ever. There is no coordination between the representatives. They assigned you a client relationship Manager, with whom who I was never able to get in touch in too many attempts, voice messages and emails. The bank told me my application was complete 6 months ago and each time they keep asking for additional documents. them within the same day. When I called the representatives they will say everything is complete and within few days I will receive a letter asking for more documents. We have been going back and forth like this for the last 9 months. The documents have been sent back and forth 10 times within these six months. Whenever you call them or when they send the letters the directions to follow and the details of the missing documents are not clear every time. I can produce the proof for the last one year. Between XXXX. XXXX and chase bank ( primary mortgagee on all four loans are Chase ) I was forced to sell three houses and now facing foreclosure on current property. All these three companies have so many claims against them. SPs is using false statements, false book keeping entries, fabricated assignments forged signatures, and utter counterfeit intangible notes to prolong the process and make the home no longer affordable for the home owners. We are hybrid victims of both the predatory lending and mortgage servicing fraud as follows. The lending agencies/Broker We were force to sell the properties at XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX XXXX XXXX NY The banks has used abusive lending and in all of our loans They sold the loan without notifying and without any benefits to us. They offered us a loan knowing that we dont have the means to pay for it. The banks charged usurious interest rate Used high pressure tactics to sell the loan Did not provide, didnt explain, did not sign any legally required documents other than the deed The servicing company Refused to accept an affordable option Did not provide a good faith modification during the first modification forcing us to fall behind also the stress caused me a XXXX XXXX and XXXX. The servicer or the bank will not be able to provide the original deed. Without providing us with the original deed and all the legally required documents signed by us. None of the paper work we have is not signed by either party. The banks should not allow the servicer to harm the borrower Chase bank hired XXXX serving who is already known to be a bad/crooked/troubled servicer. Every 90 days They are charging me fees for collection letters, inspections and BPOs. They have charged me interest in excess of the loan e terms We humbly request to your office to investigate this matter, Stop the Foreclosure actions in the interim and help us to get an affordable modification. Delays in approving or finalizing the documentation necessary to the approval of loan modifications for borrowers. If the bank can waive the interest accrued and refinance the remaining for a term of 15 years with a 2 % interest I Think, can be beneficial to both. Respectfully XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX and cell XXXX Email : XXXX XXXX | ||||||
| 01/25/2022 | Yes |
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| Complaint against JP Morgan Chase ( JPM ) for evasive and incomplete respond and violations of RESPA, TILA and Sabranes-Oxley Act. I filed my Complaint where particularly asked if JP Morgan certain specific questions such as if JPM follows GAAP in their bookkeeping practices, mandatory under SEC and XXXX ; and provide me disclosures regarding Discharge of Mortgage prepared and filed by JP Morgan for their {$200000.00} mortgage with XXXX XXXX XXXX XXXX as required under TILA and RESPA. I also requested a copy of wire transfer receipt received by JP Morgan on my behalf to satisfy JP Morgans Account receivable for Steins loan ( which is not Steins account, its JPMs account bearing Steins name ) ; when this transfer was received by JPM and from whom. None of this information is privileged, confidential or burdensome to respond. I am entitled under RESPA to have this information, specially actual Discharge Letter with all financial figures, prepared by JP Morgans accountant or bookkeeper before my closing on XX/XX/XXXX. Respond provided on XX/XX/XXXX by JPM is evasive and created many new questions which I am entitled to be answered under RESPA and TILA. For example, how much money was enough for XXXX to cover for {$200000.00} with {$130000.00} loan? When exactly [ on which day and time ] in XX/XX/XXXX JPM received these money if my closing was on XX/XX/XXXX around XXXX XXXX Time ? Why Discharge executed by JP Morgan XXXX XXXX XXXX XXXX ( who never worked as Vice President ) did not included Discharge of the Note, which is a fatal defect in my Chain of Title was prepared on XX/XX/XXXX and filed on XX/XX/XXXX? Who filed this XXXX? Was it JPM or any other company? JP Morgan refused to answer any of my questions, including if JPM follows GAAP ; name and contact information for the employee whom I can contact with questions ; or provide me copy of wire transfer receipt or even a copy of Discharge. Someone said : ( 1 ) We wont provide the information you requested about our employees or our business processes. I didnt ask about JPM business process, I asked if they follow GAAP XXXX which is mandatory under Sabranes-Axley Act. Either JPM follows GAAP or not, which means they conduct business illegally. I did not asked about JPM employees at large. I asked for the name of responsible agent whom I can ask questions directly to clarify my situation with unmarketable property Title due to this fatally defective discharge. Someone said : We cant give you any payment information regarding the property in question because the account wasnt in your name and we dont have authorization from our customers to share this information with you. This is incorrect. IF such account existed, it would JPM account opened for Stein 's loan where JPM deposited MY money to discharge this loan, not Steins account with JPM. So, JPM does not need permission from XXXX to share with me information about JPMs account where payment in my behalf was received and deposited by JPM accountant or bookkeeper. Again, I am not asking for any details for this JPM account for XXXX, I am asking specific question to verify JPMs receipt of wire transfer on my behalf and written confirmation that this certain amount of money in $ $ $ was received by JPM, from whom and when. Clearly, someone who prepared this letter understood my request which is covered by RESPA and TILA, not by my idle of curiously - but unlawfully refused to respond. Someone said : However, any funds [ which must be a specific amount ] we received for the property in question [ when and from whom these funds were received? ] were applied to an account [ whose account? JPM s account? ] for which you arent authorized to receive information. Someone referred me to XXXX XXXX XXXX to obtain a Discharge of Mortgage which was filed on XX/XX/XXXX, or more than 3 weeks after my closing. It is unclear why JPM does not have this Discharge in their own records ; and why this Discharge was filed so late, after my loan was purportedly sold to XXXX XXXX sometime before XX/XX/XXXX. When theres a mortgage on a sellers property, it is registered on the certificate of title as an encumbrance and must therefore be discharged by the lender before settlement can occur. This is Sellers bank ( JPM ) responsibility to issue all the documents to complete the transaction. This is why I need to talk to JPM employee from JPM department who processed this Discharge and received money wired on my behalf, who can clarify for me this situation with this discharge which must be prepared before my Closing to provide me Clear Title for the property. How can XXXX XXXX ( who has no records about my transaction with lender XXXX who sent wire transfer to JPM ) buy my loan with such a huge cloud on its Title as not discharged prior mortgage?? Someone said : This confirms we received enough funds [ $ 135K? ] to pay off the [ $ 200K ] loan around the time frame [??? ] of XX/XX/XXXX XXXX on this respond, it appears that JPM has no records when was my closing and how much money involved and for some reason does not even have this Discharge in their files. Bear to repeat, I am requesting this information under the laws, and I am entitled to have clear answer from JP Morgans responsible employee who can explain me how much money received JPM on my behalf ; from whom and when exactly these money were received by JPM. Provide me copy of wire transfer receipt received by JPMorgan on my behalf ; explain why this Discharge was filed on XX/XX/XXXX ; copy of the Discharge as prepared before my Closing, which is required under RESPA ; and explanations why the Note was not discharged. I did not even asked why XXXX 's original cabin which would worth at most $ XXXX in XXXX was appraised at astronomic $ XXXX if it was sold to me fully remodeled for $ XXXX in XXXX. Which creates really reasonable questions about JPM 's appraisal process. | ||||||
| 07/10/2019 | Yes |
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| We are filing a complaint against Chase Bank for denying multiple disputes of an unauthorized charge to our Chase MasterCard for {$2900.00}, made by XXXX XXXX XXXX Car ( XXXX ) on XX/XX/19 for alleged damages and costs related to a car we rented from XXXX that was stolen and recovered. The XXXX Police Department ( XXXX ) file on this case indicates that there was no damage to the vehicle, recovered on XX/XX/19, and that the car was drivable. Despite repeated calls from us and our insurer XXXX, XXXX has repeatedly refused to provide documentary evidence to support the {$2900.00} charge sufficient for XXXX to process our claim. All XXXX has received is a one-page " subrogation demand '' listing costs with a discrepant total of {$3000.00} and a photo of a damaged wheel rim on the ground, though alleged expenses include replacement of a broken windshield and damaged rims, and tracking and surveillance of a car that XXXX told us lacked an electronic tracking device. Without evidence to support these and other expenses on the subrogation demand, we are left to conclude that the charges are fraudulent. However, Chase continues to assert that no billing error or fraud has been committed, despite the lack of documentary evidence of the charge and despite the XXXX report. Chase bases this decision on the fact that we declined the collision damage waiver ( CWD ), even when the laws of the state of Hawaii ( XXXX, see below ) specify that when a renter declines CWD, car rental agencies must still discuss and receive agreement from the renter and prior authorization before putting a credit card charge through. XXXX did not notify us ever that the car was recovered, let alone discuss a charge and get our authorization for it. Chase also asserts that it can not require XXXX to provide the clarifying evidence we and XXXX have requested, which appears to violate federal law as well, the Fair Credit Billing Act. This decision by Chase appears to be in violation of U.S. Public Law 93-495 : The Fair Credit Billing Act ( FCBA ). According to Chapter 4, Section 161 : Correction of Billing Errors of the FCBA. paragraph ( b ) ( 2 ), '' For the purpose of this section, a 'billing error ' consists of any of the following ... ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' https : //www.ftc.gov/sites/default/files/fcb.pdf Hawaii Revised Statute HRS437D specifically states in no uncertain terms that a lessor ( XXXX ) can not require the lessee ( us ) to pay for damages to a rental car without explicit agreement ( authorization ) from us : [ 437D-12 ] Deposit or advance charge prohibited ; payment for damages to rental motor vehicle. No lessor shall require a deposit or an advance charge against the credit card of a lessee, in any form, for damages to a vehicle which is in the lessee 's possession, custody, or control. No lessor shall require any payment for damages to the rental vehicle, upon the lessee 's return of the vehicle in a damaged condition, until after the cost of the damage to the vehicle and liability therefor is agreed to between the lessor and lessee or is determined pursuant to law. [ L 1988, c 251, pt of 2 ] https : //www.capitol.hawaii.gov/hrsarchive/hrs2000/Vol10_Ch436-471/hrs437d/HRS_437D-12.htm This statute is restated on State of Hawaii 's Department of Commerce and Consumer Affair 's web page on car rentals : What happens if you dont purchase the collision damage waiver and you do damage the rental car? Hawaii law states that no car rental agency can require payment for damages until the cost of the damage and the customers liability have been established and agreed to by both the rental agency and the consumer. If a private agreement can not be reached, payment for damages is to be determined by a court of law. Furthermore, a rental company can not require the customer to remain within the specified boundaries, such as within the rental office or within the state, until the cost of the damages have been paid. [ Emphasis added. ] http : //cca.hawaii.gov/blog/car-rentals By agreeing to honor XXXX XXXX charge without discussing it with us and without obtaining our authorization for it, Chase is aiding and abetting XXXX in breaking the law, Hawaii Revised Statue 437D : Motor Vehicle Rental Industry ( HRS437D ), and in committing fraud until such authorization and adequate documentation of the alleged damages and repairs is provided by XXXX ( HRS437D is cited below ). Chase is also violating the FCBA by denying that XXXX has committed a billing error by not providing documentary evidence of the unauthorized {$2900.00} charge. Nothing in the rental agreement or our decline of the CDW changes this, Without this evidence, without our authorization of the charge, and with the contradiction between the recovery report and the damages and related costs alleged by XXXX, we can draw no other conclusion except that the {$2900.00} charge is fraudulent. We have urged Chase to uphold our dispute of this undocumented, unauthorized charge from XXXX. The burden of proof is on XXXX to provide documentary evidence of the charges listed on the subrogation demand. All the time, trouble, and distress of this fraudulent claim would have been avoided if XXXX had provided the necessary documentation to validate its claim and if Chase observed the state and federal laws regulating car rentals. HRS347D and the State of Hawaii 's Department of Commerce and Consumer Affairs state that absent our authorization of XXXX 's claim of costs, XXXX may seek payment through a court of law. If XXXX 's claim is not fraudulent, let XXXX provide the documentary evidence to us and our insurer XXXX, or to a court of law, and all will be resolved quickly. But until such documentation is provided, Chase is participating in a criminal act along with XXXX. | ||||||
| 08/24/2019 | Yes |
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| I am appalled at this situation with Chase. I have spent over 3 months now trying to get this issue resolved. At this point, I've exhausted my options to resolve the issue on my own, and Chase has not done anything to facilitate the issue. My Chase checking account had three fraudulent actions. On XX/XX/XXXX there were two credit transactions for {$0.00} and {$0.00} with description XXXX XXXX TRIALCREDT. On XX/XX/XXXX there was a debit of {$900.00} with description XXXX XXXXT NEWACCOUNT. We were on vacation that week, and weren't actively monitoring our transactions. We were on a XXXX XXXX out of XXXX XXXX, we departed on XX/XX/XXXX and returned on XX/XX/XXXX. On XX/XX/XXXX, we were reviewing our finances on XXXX and noticed these three charges. At first I contacted XXXX to see if they had an account opened in my name - maybe I made a mistake and didn't recognize the charge/account. They had no accounts opened under myself or my wife, so said I needed to work with my own bank 's fraud department so that they can resolve. I contacted Chase to alert them that these were unauthorized, fraudulent charges. I was told it would be taken care of without issue, and a temporary credit would be issued for the {$900.00}. I explained my thesis - the two credits were done to " verify '' the account at XXXX, and once done they were able to deduct the {$900.00}. Later on, I was told I was absolutely correct. On about XXXX ( there's no notice or letter on the site, but Chase can verify the date ), I received a letter in the mail stating that my " claim '' was denied and the {$900.00} was going to be removed from my account. I immediately called Chase to ask why, and they indicated they had not received the letter back ( attached ) which required : - Review the transactions you are disputing and thoroughly answer all of the questions, - Sign the form, and - Return it by the date above to avoid a delay or denial of temporary credit. I told them that I had not received the letter, or maybe I overlooked it as an account disclosure as it wasn't obvious to me that I needed to do anything further after initially reporting the fraudulent charges. I went to the bank branch to expedite the process of getting the forms signed, and the banker said she faxed the forms. I sent them back the signed forms and a separate letter detailing what had occurred ( I don't have a copy of it, but it's basically everything I've written so far ). Part of their denial was related to the two " credit '' transactions which they had not included in the original claim. I said I had noted that those were fraudulent previously. I called about a week later and they said that the original claim was still denied. I asked if they had received the signed letter, to which they replied " no ''. I went back to the bank branch and signed the form again. I took the form and faxed it along with my explanation letter on ~XXXX, which they then opened a new claim for the two " credit '' transactions. The " credit '' transactions of {$0.00} total were removed from my account. There have been numerous phone calls to Chase in between looking for status updates, and it basically went unreviewed for about a month. In the process Chase indicated there's a 60 day window to request funds back from a merchant. I said I reported it within that time to Chase. I pleaded with them to call XXXX XXXX - they said they can't make outgoing phone calls. ARE YOU KIDDING ME? After about a month, one time when I called again and they said that the {$900.00} claim was denied because the " courtesy credit '' was submitted late because they didn't have the forms ( although they reopened as a courtesy to me on XXXX ), but that the merchant denied after two separate requests. THEY LIED. They said I would need to reach out to " the merchant '' - WHICH IS A BANK. I called XXXX direct again and explained my situation. They couldn't be kinder and more understanding. They again verified that they don't have accounts opened in my or my wife 's name. However, I explained the situation and their Fraud department looked up the transaction using my Chase account number and the amounts. The agent validated that the account those funds had gone and come from, and the account had been flagged as fraudulent and frozen. They say saw the " trialcredits '' were sent back to their institution, but that THERE WAS NO RECORD OF THE {$900.00} BEING CLAIMED BY CHASE AS FRAUD. They said the money is sitting in the account at XXXX, and Chase just needs to submit the claim and they'll return as a regulatory requirement. They'll honor those requests for up to a year! So after further questions to Chase, it turns out my " requests were denied '' by Chase 's RESEARCH DEPARTMENT, NOT THE MERCHANT ( HENCE THE LIE )! I've given more than enough information to explain the situation, and they took forever to basically ignore. I called Chase back and they said they'd escalate again given the circumstances. I called on Tuesday XX/XX/XXXX and they said I could call back in 3-5 business days to see if there's a resolution. They don't have the courtesy or ability to call me! I called on Thursday XX/XX/XXXX and they said " did a supervisor call you? '' to which I replied " No, they said I needed to call to get an update ''. They replied " well it will take 3-5 business days, so try back later ''. Here 's the deal - I had three fraudulent transactions that I reported to Chase in less than two months after occurring. They HAVE NOT CLAIMED THE FUNDS even though they were unauthorized, fraudulent charges. I've spent countless hours on the phone explaining the case, providing information, even contacting the other bank who told me what Chase needed to do. In the end, this feels like I'm being taken advantage from as I am the one liable for the unauthorized ACH transaction. I'm pretty sure there's a regulatory requirement against that. | ||||||
| 02/08/2022 | Yes |
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| JPMorgan Chase had a duty for the due care of my money under my direction and discretion. They have breached that duty. Yes, I did sign the wire transfer request form. However, after requesting the cancellation and receiving a verbal guarantee over the phone, I did not ask them to wire the money when the funds became available in my account. Instead, I relied on what I was told to do, so I did not go back to the branch office once I was assured the wire was canceled. Telling me one thing and doing another, in this case, an empty promise of cancellation and sending my money regardless, does not fall into something a reasonable bank would do. Due to their negligence, which they acknowledged several times during the phone conversations with XXXX and XXXX at the Chase Executive Office, I suffered the actual financial injury. I regret that JPMorgan Chase is incompetent to draw a line between the personal agenda and their professional duty. It is not their position to sympathize that I became a victim of a love scam. It is none of their business. To whom I wanted the money to be sent before I requested the cancellation is strictly personal and has nothing to do with JP Morgan Chase. They extended their unnecessary and unwelcome sympathy to me to cover up their negligence as if they had nothing better to say than admit their failure. The truth is that they failed to honor my request to cancel the wire transfer. I regret that JPMorgan Chase conceals what happened after initiating the wire transfer. After initiating the wire transfer, my Guardian Angel told me to cancel it when I walked out of the branch office. I thought it was reasonable to spend the money for myself first before I extend any help to someone else. At that time, I did not have any suspicion or doubt towards the receiving party. He was a needy knight-in-a-shiny-armor. Nonetheless, I still had a sound mind to reshuffle what to do with my hard-earned money. That is why I called JPMorgan Chase for instructions on canceling the wire. I wanted to clarify if I had to return to the XXXX XXXX XXXX XXXX branch to cancel, go home to cancel it online, or cancel it over the phone. They gave me a verbal affirmation that the wire would not go, they canceled the wire request I initiated, and I did not have to do anything else to cancel it. Furthermore, they assured me that the wire would not go out unless I initiated another wire transfer request. Unfortunately, JPMorgan Chase does not want to play the telephone conversation recordings because they are afraid to reveal their negligence. I regret that JPMorgan Chase decided not to credit my account because I was a victim of a love scam. However, me being a victim of a love scam did not grant them a right to break their fiduciary duty as a bank. They did not have to state in writing what I did upon realizing I was a victim since they have no say on this. I have free will to do whatever I want with the people who attempt to harm me. IT IS MY BUSINESS, whether I try to hunt them down or pray for the Lords mercy to grant contrite hearts in them. I still would have been busy mending my broken heart, but I would not have suffered any financial injury had JPMorgan Chase been responsible and diligent in acting upon my request to cancel the wire transfer. Whether I am a victim, a prosecutor, or a rescuer, it should not make or break the responsibility of any bank in the world. I regret that JPMorgan is trying hard to look like an innocent lamb who processed my wire transfer request according to my instruction without ever mentioning my instruction to cancel the wire, which took place before they processed it. I deposited {$10000.00} at XXXX on XXXX, XX/XX/2021. I requested the wire transfer and left the branch office. Then I immediately canceled the wire transfer request over the phone within an hour before the funds became available in my account. JPMorgan Chase ignored my request and processed the wire later when my account had enough money. They refuse to share the wire confirmation, which typically shows the exact time when the transfer took place in fear of revealing the time gap between when I requested the wire transfer and when the actual wire transfer took place. Within the gap, I had requested the cancellation. What they did with my money and what they wrote me in the letters are the signs of how unreasonable they are. When I tried to contact the Chase Executive Office the other day, their phone number did not work. They kindly stated their office hours in the letter and their voice mail greetings, but I have experienced nobody being available during their office hours. In addition, there were times when the extension given by the person who handles my case did not work. I want to share the verbal apology from Chase JPMorgan Executive OfficXXXX. First, XXXX apologized for not returning my call sooner. It took her almost a week to call me back. Second, she apologized for being short-staffed. Nobody covered for XXXX while he was out for nine-plus days. Third, she apologized for their mishandling of my over-the-phone wire cancelation request, which led my money to go out, although the cancel request was confirmed verbally over the phone. Fourth, she apologized for their behind-the-technology IT system, which disallowed the 3-way call among the Chase Executive Office, the XXXX XXXX XXXX & XXXX branch office, and me. Finally, she apologized for not being able to play any of the recorded telephone conversations. In conclusion, please stay away from JPMorgan Chase. They do not care about their customers. They do not care about their reputation. But, most importantly, they can break your bank account. In addition, the Office of the Comptroller of Currency did nothing on my behalf. They abused the word " Recall '' on their decision letter because they wanted to cover up that I " Cancelled and Chase made a mistake. '' | ||||||
| 03/31/2023 | Yes |
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| XX/XX/XXXX Attn : Consumer Finance Protection Bureau From : Re : Chase Credit Report / Balance Currently Due is {$3000.00} To Whom it May Concern : I am submitting this letter and asking for help to reconcile a situation that I have fallen victim to. On XX/XX/XXXX I got an email stating that my FICO score had dropped. I had no reason to expect this as all my accounts and balances were always paid on time. I followed up on the email and saw that my current FICO was currently in the mid 600 range which was extremely alarming as I am always in the high 700s. I pulled a free credit report only to find that there was a delinquent Chase account reporting a 90 day late. I do not have a Chase card so I contacted them immediately. As it turns out ; my ex-husband of ten years, was using a credit card that was opened in XXXX under both of our names. His name is, Social Security #. He has since remarried and was living in AZ. I am still living in the same home in CA, for the past 27 years. I have never moved or changed residence in all that time. All mail and communication for this account was being sent directly to him, and as I stated I was completely unaware that this card associated with me existed. Chase made it sound like I should have been aware of it because my name was on the statements. Well because nothing was being sent to me, the one person that should have been aware of it was and his wife as it was their home and email that all the communication/statements were being sent to. Over the years it appears he added three authorized users, ( our sons ) and his wife. The boys have told me that they were given an account number to pay for college tuition when due, but both boys have long since graduated and no longer have any affiliation with this card, so the only ones using this card would have been or. I WAS ABSOLUTELY UNAWARE that my name was still associated with a credit card that my ExHusband was using. In XX/XX/XXXX my ExHusband was found XXXX in a XXXX XXXX XXXX XXXX. His wife,, was given possession of his wallet, computer, and keys. A few days later she tracked down my oldest son and told him his dad has passed away. In the mean time she was busy selling cars and cleaning out bank accounts. The kids had no idea where his money was, who he owed money to or who owed him money and she would not share any information. They were only told that a Will did not exist so everything was hers. This was not surprising as she was XXXX years younger than and in it for the money. The kids have now pretty much accepted that they have been screwed, but I never expected to be a party to this disaster. After contacting Chase and being transferred from one department to the other, over two days & 3+ hours of conversation, and always hearing how sorry they are, I was finally told that was the Primary on the card and once he died, I became Primary and this is now my responsibility. Well for three months while these payments went unpaid - I was never contacted, but suddenly my name was simply added as the new Primary Card Holder and the delinquent payments were reported against me. This leaves me incredibly angry because I contacted Chase to investigate as soon as I discovered this on my credit report. I had no idea what the account number was when they asked me for it, or even what name was on the account. Using my SS # as a search, I was told this was a card was apparently using that was opened jointly in XXXX ( OMG, what the XXXX ). I even asked for the Card Number and was told they could not give it to me for Privacy reasons yeah, go figure. I agreed to pay off the balance ( only to protect my personal credit ) and they were glad to accept my offer ; however, when I stipulated that I wanted my personal credit restored suddenly they are unable to do that. I know they had my information, because when I agreed to pay the balance they asked to confirm my information so they could update the account. We started with the address at which point the woman helping me had her computer freeze. She stated that she was not sure if the information would go through. As it turns out, a short time later I receive an email ( mind you I did not give them my email address ) confirming a change of address. So very interesting!! I am not hiding, I have lived in the same home for 27 years, I have had the same land line number for 27 years, I have had the same email address for as long as email addresses have been a thing, I have plenty of credit, I make a mortgage payment every month, I make credit card payments every month everything always paid on time. I know these companies have resources and they could easily have located me either by phone, email or mail. Why are they telling me they can not restore my delinquent credit as reported by them when I was NOT given a fair chance to cure this either before it became a situation or even now after the fact? Today I am contacting you to present my story and ask if there is anything you can do to help me resolve this problem. I am still willing to pay the balance due, but only if my credit is restored. That feels like a reasonable request. If as Chase has told me, they are unable to change a reported account ( I call that total XXXX ) then I guess I have nothing to lose and I will have to accept the fact that after 67 years in which I have always respected my credit, that the system has failed me and with that said, I have no reason to give Chase any money to pay off a debt that I did not personally incur. If we can come to an agreement where by all three credit bureaus are corrected and my credit has been restored, I will pay this balance and as a gesture of Good Will, hopefully all late fees can be removed and I am only paying for Goods and Services as charged. Please feel free to contact me with any additional questions as I would very much like to resolve this situation. Best Regards, | ||||||
| 05/18/2019 | Yes |
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| Chase Bank the mortgage servicer has not properly applied my payment to my mortgage why not calculating the full reduction in principal when I apply additional funds to lower my principal it is supposed to be called principal reduction option if I choose to add additional funds to pay off my principal faster there by reducing the amount of amortization schedule then the principal should go down accordingly however when I add an additional amount say $XXXX towards my principal reduction they never calculated properly in addition all my payments are allegedly late have encouraged additional late fees and although they have agreed to move the late notation they have never given me credit for the late fees that I've incurred over the years not one time have the ever given me credit for late fees would stay have incurred illegally nor have they ever apply principal reduction in a timely or in a correct manner ever all they've ever done is divided my payments my mortgage my 30-year mortgage into 360 equal installments without any regard to recalculating my mortgage reduction by luring the principal amount by the correct amount which I direct and request them to lower my principal I therefore request that these transactions with the recalculations B recalculated and corrected but Chase Bank has never done so I have asked for this repeatedly in fact I recently asked for a transaction summary of every transaction ever made on my account and starting in XXXX they began to have these types of errors and none of them have ever ever been corrected I believe I paid off my entire mortgage several times over over the years I've never been given $XXXX of credit for principal reduction even though I've added thousands of dollars to my principal reduction they have never calculated a properly nor giving me proper credit in addition they have added numerous late fees and service fees when they changed my mortgage account number arbitrarily several years ago I believe in XXXX stating that I had refinanced my account which is why they change my account number however I have never ever refinance my account and in fact a recent credit report performed in XXXX XXXX indicated that I had a balance of $XXXX on my credit report with Chase Bank although that is in air I believe somebody created a refinancing with fraudulent refinancing information on my mortgage payment and Chase Bank has let the air continue to go on my account they changed my account number and I don't know how many overpayments I gave to my account number XXXX XXXX they claim that that account number was given to somebody else in a refinancing of my property please help me if you can sincerely XXXX XXXXs it is supposed to be called principal reduction option if I choose to add additional funds to pay off my principal faster there by reducing the amount of amateur relation schedule then the principal should go down accordingly however when I add and it just so Mount say $XXXX towards my principal reduction they never calculated properly and edition all my payments are XXXX late haven't heard adjust the late fees and elbow they have agreed to remove the late notation they have never given me credit for the late fees that I've been curd over the years not one time have the ever given me credit for late fees which stay haven't heard illegally nor have never apply principal reduction in a timely or in a correct Manor ever all they've ever done is / payments my mortgage my 30 or mortgage in the 360 equal installment without any regard to reach calculating my mortgage reduction by XXXX the principal amount by the correct amount which I direct and request them to lower my principal I there for request that the transactions with the read calculations be weak calculated and corrected but Chase Bank has never done so I have asked for this repeatedly in fact I recently asked for a transaction summary of every transaction ever made a my account and starting in XXXX did began to have these types of errors and none of them at ever ever been corrected I believe I've pray paid off my entire mortgage several times over over the years I've never been given $XXXX of credit for principal reduction even though I've the added thousands of dollars to my principal reduction they have never calculated properly North giving me proper credit and it just should have added numerous late fees and service fees one they changed my mortgage account number arbitrary silver years ago I believe in XXXX stating that I had refinance my account which is why they change my account number however I have never ever refinance my account and in fact and recent credit report performed in XXXX indicated that I had a balance of $XXXX on my credit report with Chase Bank although that isn't air I believe somebody created a refinancing with fraudulent refinancing information on my mortgage payment and chase Bank has let the air continue to go on my account they change they have never given me a credit properly for my I just don't payments to go towards principal reduction and even though I asked for the recalculations and the re credit and the credit my account they have never done so while they allege to have removed the errors for late payments they have never nonetheless ever given me $XXXX of the thousands of dollars I have paid them an additional late fees which were improperly placed on my account nor have they ever given me $XXXX of principal reduction even though I gave them thousands of dollars every every year on my principal on my mortgage I have yet to see anything come back to me although I've requested it in a transaction summary to ask for a recalculation and a printing and accounting a proper accounting of my transaction summary of every payment ever made to my account since XXXX and they refused to give me the proper recalculation please help me if you can my number is XXXX XXXX XXXX sincerely XXXX XXXX | ||||||
| 01/11/2020 | Yes |
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| I pay my mortgage monthly using the automated phone payment service that I have linked to my bank account. For the month of XXXX, I paid my mortgage on XXXX. I noticed on XXXX that mortgage had come out of my checking account twice, once completely covered and the other putting my account in the negative by a few hundred dollars. I immediately called Chase Financial services who own my mortgage. The representative that I spoke with on XXXX was helpful. She noticed that the two charges were identical ( {$870.00} ) and both went through within seconds of each other. She apologized for the error, said there must have been a glitch in the payment process, agreed to fix the issue and let me know that it could take a couple business days for the money to reflect properly in my account. I am a reasonable person that works in technology, so understand that sometimes computers don't do what we want. I was inconvenienced by having my account go in the negative for a few days, but was assured by Chase that they would cover any overdrafts that were a result of the issue. I was given a case number and informed I should provide that to XXXX XXXX XXXX ( my checking account ) so that they could coordinate with Chase. I promptly did just that. At some point on XXXX the second {$870.00} charge was refunded back into my account. The result was 1 overdraft fee that I was assured would be covered by Chase. To me at this point everything should have been done. On XX/XX/ I received a call that my account had been overdrawn and my wife was unable to get groceries for our family. I pulled up my banking information and immediately noticed that chase had charged my account AGAIN in the amount of {$870.00}. I contacted Chase immediately and was told that they weren't sure what was going on but would get someone to take a look. After a few minutes on hold a representative came on the line to explain that this charge was Chase trying to collect my second mortgage payment that I made on XXXX. When I requested that the representative read what had happened on my phone call on XXXX, they responded that what their records show is that I made 2 mortgage payments on XXXX. They said that this charge today was them trying to recollect the money that they weren't able to collect when the 2nd charge didn't go through on XXXX ( because I don't generally keep an extra {$870.00} in my checking account ). This logically did not make sense. I took the time to explain the situation again, that their automated service charged me twice and that I did not in fact make two mortgage payments within seconds of each other. The specialist stuck with their story that I made two mortgage payments and said they would process a refund for the this XX/XX/ charge. When I asked if there was anything I could do I was told to call the bank to report an unauthorized debit on my account and that they would be able to reverse it. So I tried that. XXXX XXXX XXXX, when provided with the verbiage and information from Chase, told me that only Chase can fix the problem by reversing the charge. At this point I wasn't going to waste any more time dealing with individual bank representatives and decided to get both XXXX XXXX XXXX and Chase on the line simultaneously. After a lifetime I was able to get both representatives on the line. I had spoken with each in turn to explain the situation and was hoping through communication that we could come to a resolution. The Chase representative was not having any amount of that. Through 2 hours of futility I dealt with a purposefully ignorant specialist that spent more time repeating herself saying that I had made two mortgage payments than trying to do anything to help the situation. She went as far as to accuse me in multiple ways of being at fault. I am told that the call was recorded and want the call, and all calls from Chase, reviewed. I went out of my way to try to keep an open and understanding mind and focus on resolution. Chase was never able to supply a reason for why I was being recharged for XX/XX/. There was a lot of back and forth where the representative tried to say one thing but either myself or my XXXX XXXX XXXX representative was able to correct them. The Chase party was counterproductive and accomplished nothing but to lay blame for this issue on me the entire phone call. The result is that my account is still in the negative and that it likely will remain in the negative until early to mid next week. Insult to injury is that Chase wouldn't even confirm at that time that any additional overdraft fees that were caused by their error would be covered. The most telling and horrifying part was at the end of the call when I asked to speak with a customer relations specialist and the Chase representative refused to recognize the concept, stating that they had nothing like that. How does a company not have a customer relations department? Insult to injury, their response was, " so you want to speak with a manager to see if they will help you? '' After repeating that all I wanted to do was relay my experience to a customer advocate, relations, or whatever Chase calls their satisfaction department, I was told that doesn't exist and put on hold to talk to a manager. After spending 2+ hours on the phone, and holding an additional ( I don't know honestly, 10+ minutes? ) I hung up. No, I wanted to relay my experience with Chase Bank and with this particular representative. I did not think anyone from Chase could help me as their representative told me there was nothing that could be done. I was only interested in relaying that when your company recognizes a mistake on XXXX, you take action to rectify the situation and NOT allow it to happen immediately again - but when it does maybe have some tact and focus any amount of effort on a solution instead of damage control and trying to blame the customer. | ||||||
| 04/04/2023 | Yes |
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| On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Chase/JPMCB cardholder services to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$3400.00}, late payments and a closed account reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) XXXX of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without XXXX XXXX | ||||||
| 11/16/2021 | Yes |
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| Dear Sir or Madam, XXXX. JPMCB HOME Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with JPMCB HOME and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 04/04/2023 | Yes |
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| On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Chase/JPMCB cardholder services to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$960.00}, and a closed account reported by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of June 5, 1933, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 1XXXX ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308 | ||||||
| 11/20/2017 | Yes |
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| COMPLAINT OF FRAUD AGAINST XXXX AND JP MORGAN CHASE FACTS : 1. My wife and I refinanced our house XX/XX/XXXX with XXXX XXXX XXXX XXXX. The amount of the loan was for {$400000.00}. At an interest rate of 7.875 %. 2. On XX/XX/XXXX An assignment of Deed of Trust was purportedly filed in the XXXX XXXX County recorders of deeds whereby Argent conveyed its rights to the complainants property to XXXX. 3. Complainants received notice in XX/XX/XXXX and began to pay XXXX as the new mortgage company. 4. Sometime in XX/XX/XXXX Complainants received notice to pay JP Morgan Chase of which payments were made. 5. Sometime in XX/XX/XXXX we received notice to pay XXXX XXXX located in Utah of which payments were made. 6. Payments were made to XXXX XXXX XXXX on behalf of JP Morgan Chase. 7.XX/XX/XXXX XXXX XXXX XXXX located in XXXX Va. filed an Order to Docket to foreclose on our home. 8. XXXX XXXX was the purported note holder. 9. According to the Order to Docket filed by XXXX XXXX XXXX by way of XXXX XXXX XXXX on behalf of XXXX XXXX in XXXX XXXX County, an Assignment of Deed of Trust was filed in the recorder of Deeds XX/XX/XXXX. The Assignor was XXXX. DOCUMENT # 1 Said document disclose a purported affidavit from XXXX XXXX the Document Control Officer at XXXX XXXX ( XXXX ). She attest that according to the loan servicing records that XXXX XXXX is the holder of the note and has the right secured by a deed of trust recorded in XX/XX/XXXX. The subsequent documents that were provided and contained in the Order to Docket are proven fraudulent by the following : DOCUMENT # 2 Said document discloses the purported Assignment of Deed of Trust from XXXX XXXX XXXX to XXXX. The agency should specifically note several discrepancies in the document that prove said document was fabricated. Further an employee of XXXX XXXX XXXX commits perjury by attesting in an affidavit that the document is a true and accurate copy. The proof of said document being fabricated therefore fraudulent are : 1. The document was not signed ; 2. The notary clause was omitted ; 3. The stamp of the Clerk of the Circuit Court for XXXX XXXX County is not a machine stamp with a portion of it written in and misspelled. ( See Document # 3 which is a magnified view of the aforementioned forged stamp on Doc # 1. ) 4. The purported name and the time stamp are out of alignment which is an impossibility with a machine stamp. 5. Said stamp is incomplete. It leaves off the XXXX XXXX County identifier. 6. After a search at the Recorder of Deeds of XXXX XXXX County, the document was not filed as purported. DOCUMENT # 3 Said document discloses a magnification of the purported stamp contained on Document # 1. The second line on said magnification, display that the notation was written on the document instead the official machine stamp. DOCUMENT # 4 Said document discloses an Assignment of Deed of Trust purportedly assigned from XXXX to XXXX XXXX. The date of said filing was XX/XX/XXXX. The agency should note the official stamp of the clerk of the recorder of deeds is a machine stamp. DOCUMENT # 5 Said document disclose a Report Contact History log from XXXX XXXX XXXX. Said log discloses that on XX/XX/XXXX that complainant called in to advise XXXX XXXX XXXX that it would be making a payment in the amount of {$2300.00} which represent a modified payment negotiated between the parties. The notation states XXXX states she was calling to advise she is making the first trial payment right now through XXXX. DOCUMENT # 6 Said document disclose wire retaining instructions from XXXX XXXX XXXX which contain a disclosure that JP Morgan Chase Bank is the note holder still in XX/XX/XXXX. Further the agency should note that the acronym within the call log from XXXX disclosed on Document # 4, stands for XXXX XXXX XXXX XXXX XXXX DOCUMENT # 7 All the required documentation within the order to docket were provided by XXXX XXXX XXXX or the attorney XXXX XXXX of XXXX XXXX XXXX. Said document disclose an affidavit from the Attorney, XXXX XXXX that attest to the assignment being a true and accurate copy. The fraudulent assignments were from XXXX to XXXX and XXXX to XXXX XXXX. SENARIO : The evidence contained herein prove that XXXX, JP Morgan Chase, XXXX, XXXX XXXX, XXXX XXXX XXXX and their attorneys at XXXX XXXX XXXX conspired to defraud the complainants out monies and the right to their property. After XXXX went defunct, XXXX/Chase fraudulently claimed to be the note holder and thus advised the complainants to pay them their monthly mortgage payments. The Order to Docket required the documentation of ownership of the note and assignment of deed of trust for standing. Therefore in order for the fraud to succeed, the conspirators had to produce a paper trail of transference. This was done with fraudulent affidavits. The agency should note that the affidavits now disallow any future claims of lost documents. Consequently, the rights to the mortgage via the note secured by the deed of trust had to fraudulently appear to be assigned by XXXX to XXXX then to XXXX XXXX even though the complainants were paying XXXX/Chase after the aforementioned assignments. Case in point, Document # 3, discloses the assignment to XXXX XXXX in XX/XX/XXXX with the complainants being advised that their mortgage company was JP Morgan Chase in XX/XX/XXXX by XXXX. Document # 6 They both prove the other fraudulent. Consequently, the evidence prove that XXXX/JP Morgan Chase conspired and did defraud the complainant out of monthly payments from XX/XX/XXXX through XX/XX/XXXX. Further it proves that XXXX/Chase illegally and criminally utilized XXXX XXXX to foreclose to avoid issues of non compliance with federal settlements. XXXX XXXX XXXX, the XXXX XXXX XXXX via XXXX XXXX and XXXX XXXX all conspired to conceal JP Morgan Chases involvement in the illegal foreclosure of the complainants property. | ||||||
| 09/28/2017 | Yes |
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| THE IT SUPPORT OF JP MORGAN CHASE CREDIT CARD HAD REFUSED TO RESEARCHING AND DECODING THEIR SYSTEM ERROR MESSAGE SO THAT WE ARE ABLE TO ACCESS OUR CHASE ACCOUNT. WE HAD REFUSED TO PROVIDE THEIR IT SUPPORT INFORMATION REGARDING OUR MONTHLY MORTGAGE PAYMENTS, ALBEIT OUR NAMES, SOCIAL SECURITY NUMBERS, BIRTHDATES, PERMANENT ADDRESS, AND TELEPHONE NUMBER WERE PROVIDED AND VALIDATED BY THEM. This incident occurred since XX/XX/XXXX As of today, we had not heard from Chase Credit Card Headquarters for a resolution. Neither can we access our credit card account. We had brought up the ongoing issue of inaccessibility to our credit card account to their Customer Services when we asked for and approved the monthly billed amounts payments on their phone. They stated that they could not help us since the matter has already turned to their corporate office. It is very frustrating making payments as stated on our billing statements in full but could not access our credit card account to validate the correctness of the charges. ( We always made the billed amount in full for years. ) In the past, Chase Customer Services were able to help us to access our credit card account by providing just our names, social security numbers, birthdates, permanent address and telephone number for our security protection. They had never requested for information regarding our mortgage payments. On XXXX XXXX, XXXX, Chase credit card customer service, XXXX assigned an ID # XXXX, which should prompt a screen asking to enter User ID and a new password. We followed her instructions but an error message XXXX, which blocked our accessibility to our credit card account, was shown. XXXX seek help from their IT Support, and she transferred us to IT Support and described the problem to the IT person. The IT person took over and asked for names, social security, birthdates, address, and telephone number. Then he asked for our monthly mortgage payment information. We ( both XXXX and XXXX XXXX ) refused to release our mortgage payments information to him. The IT person refused to research and resolve the problem, even though with the given assigned ID # provided by their customer services and the error message XXXX from their system. We stated to Chase IT Support that we were not applying for a mortgage loan from Chase nor seeking for refinancing our house. All we wanted was to be able to monitor our credit card transactions to ensure that they are correct and valid. The IT person indicated that it was a requirement to answer all questions on a form provided by the credit bureau in the U.S. We asked where his office is located at, and he said he was in the XXXX . Then we asked to speak to an IT Support in the U.S. We were transferred to Chase U.S. , and we explained the issue to the customer service in the U.S. She indicated that Chase IT Support requesting for our mortgage payment was unacceptable, and she immediately escalate the problem to Chase corporate office by filing a complaint on behalf of us. We had left messages with XXXX and XXXX at Chase at their given direct number and extension ( XXXX ; ext # XXXX ), to follow up with the status of our filed complaint # XXXX with Chase headquarter, but they did not called us back. On XX/XX/XXXX, we received a call from XXXX XXXX from Chase headquarter, in response to our complaint to BBB Delaware. It appears that she was challenging and harassing us instead of helping us to get the issue resolved, so that we gain accessibility to our credit card account. XXXX XXXX stated that the IT person asking for our monthly mortgage payment had not violated any laws as it was a security question in compliance with the credit bureau. XXXX XXXX stated that we did not provide our monthly mortgage information to the IT person because he was from the XXXX. She asked if we would tell her since she was in the U.S. XXXX XXXX also indicated that we had agreed to the terms stipulated by Chase Credit Card regarding answering personal information for security protection. ( If possible, review the recorded telephone conversation as XXXX XXXX had indicated. ) We are seeking help from Consumer Financial Protection Bureau because BBB closed our filed complaint stating that JPMorgan Chase Credit Card has sent us a letter, dated XX/XX/XXXXwith a detail resolution. On XX/XX/XXXX, BBB attached the message from JPMorgan Chase Credit Card : We responded to our customers concerns in our letter datedXX/XX/XXXX To protect our customers privacy, we are not provided you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you. The fact is JP Morgan Chase Credit Card has not been telling the truth. We did not or had not yet received their stated letter, dated on XX/XX/XXXX, in which they claimed that had given us a detail resolution. Currently, we are not able to get hold of BBB since it only provides automatic messages. We sent BBB a fax on Tuesday, XXXX XXXX at XXXX asking them not to close our case based on the message that they received from JPMorgan Chase credit card. We also called and left a message, but did not hear from BBB. Sorry to trouble CFPB, but we are at the end of the rope! Would CFPB help us? Please let us know if we have violated any laws or breach the contract for our refusal to furnish Chase IT Support our mortgage payment information. We had never been pressured in giving out our mortgage payment information by any credit card companies other than our names, social security numbers, birthdates, address and telephone number, and sometimes other security questions, such as school name, pets name. CFPB had our authorization to obtain the letter, dated XX/XX/XXXX with a detail resolution from JPMorgan Chase Credit Card. Please send us a copy so that we can see what it was about and their resolution. Thanks! XXXX and XXXX XXXX | ||||||
| 08/10/2017 | Yes |
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| I sent this to XXXX XXXX. They are doing this in the Name of JP Morgan WE do not have an account number, we have never had a loan with JP Morgan. Please we need help. Do n't let These people continue destroying our life. On XX/XX/XXXX XXXX Police with XXXX XXXX XXXX XXXX arrived at the home of XXXX XXXX while having a yard sale, then proceeded to remove all her personal property, breaking most of it. The Police made threats to XXXX XXXX to 'cuff and drag her off the porch if she did n't move. For 10 hours XXXX XXXX sat in horror watching these events. She is XXXX years old. XXXX Police did not have a Court Order, in fact were instructed in XXXX XXXX to file trespassing charges on XXXX XXXX for locking the home XX/XX/XXXX with XXXX County Sheriffs. While there has been writs of possession filed beginning XX/XX/XXXX the first one in XXXX XXXX 's name, ( withdrawn ) there has been no service on these Writs. The last one XX/XX/XXXX was served with a 10 day notice from the XXXX County Sheriff to execute in 10 days. XXXX XXXX is longer than 10 days. Yes this was confirmed. The Plaintiff is JP MORGAN/WASHINGTON MUTUAL. JPM who we have spoken to since XX/XX/XXXX knew nothing about this and told us we did not claim a writ of possession. They have no information concerning this account, did n't know they owned the property, or was investors. WAMU did n't have an account number. The letter We received from XXXX XXXX in XX/XX/XXXX was nothing but lies. First the terms of the note and mortgage do not allow foreclosure unless payments are missed. " As servicer for JP MORGAN Chase, NA, XXXX XXXX is assisting in eviction " Not True again. XXXX XXXX or agents had no legal rights to proceed in a lock out, which almost burned the house down due to a cell phone left plugged in. JP MORGAN told us to 'dismiss ' it. XXXX XXXX also took the electric out of XXXX XXXX 's name stating she bought the house. XXXX XXXX took this letter to XXXX police to have them Arrest us. Once she learned they would n't file trespassing charges for months she has bombarded them, confusing them until finally they have committed 2nd degree felony theft. WE have as stated currently have a case pending in the XXXX District Court. It is Washington Mutual. The Property is Recorded in JP MORGAN we are not the ones who did this. Your attorneys did. Regardless of this all writs of possession failed due process, the last one was served on a 10 day notice XX/XX/XXXX. Even in XX/XX/XXXX the attorneys were confused as to how this happened with out any notice. We now know. XXXX XXXX just walks in to the Sheriff with a clerk stamped paper and they come and lock a door. XXXX County Sheriff is now aware of this fact and already said she was trespassing. XXXX XXXX made her payments. She was driven to XXXX XXXX by XXXX XXXX refusal to investigate this fact, instead they called multiple times a day, sending letters she gave up. But we have fought this now because it was XXXX XXXX 's mistake. So now there is a possibility the Court may again rule in her favor, ( even with the Attorney lies the Ohio Supreme Court did rule in her favor ) You just steal not only the home, but most of personal belongings. This is horrifying. XX/XX/XXXX we received a payment record which shows XXXX XXXX did indeed make her XX/XX/XXXX and XX/XX/XXXX payments, on time, and they were posted to her account, they were made XXXX XXXX. XX/XX/XXXX Through Washington Mutual a complaint of foreclosure was filed stating XXXX XXXX defaulted XX/XX/XXXX. The Case is currently in the XXXX District Court Of Appeals on this matter and the fact the Attorneys lied to the Ohio Supreme Court " In XXXX XXXX 's Affidavit she said that while she attempted to make her XX/XX/XXXX/XX/XX/XXXX Payments via XXXX XXXX XXXX XXXX did not accept them '' Neither of this is true, plus the Attorney from XXXX XXXX had XXXX XXXX 's affidavit. JP MORGAN that day said for XXXX XXXX to produce a 'one and the same number ' or stop stealing our stuff. They did not. XXXX police gave her this house. ITS ILLEGAL to do this. When we filed against it in Court She listed it for sale. For XXXX. It is listed on XXXX XXXX 's REO PROPERTIES. You Have been killing XXXX XXXX For Years. How could anyone do this? Again you brag that you are trying to right your wrongs yet steal against the Constitution against the law a XXXX yr olds house. She paid, you made a mistake. Now we get letters about questions, no the only question we have is when are you going to stop this? At least let it continue in Court as it should. With no chance to defend in JP MORGANS name you stole her belongings, including trashing thousands of dollars of inventory for her business. 5 of her grandchildren 's bikes. XXXX XXXX has 4 criminal charges for trespassing and damage to a house you had no right to take. Are you even remotely aware of how your people are acting, is this why we continue to receive letters? Is XXXX XXXX hoping that she will receive one full of lies like before to justify these actions, ( of course there can be no Justification ) If this house sells before we can resolve it in Court ( as it should be ) XXXX or XXXX will not have enough money to pay damages. Do you condone this? XXXX Police are in serious danger of losing their jobs. XXXX XXXX will have a hard time after being charged with a felony. XXXX XXXX 's pre trial is XX/XX/XXXX, XXXX XXXX will demand discovery for the Court Order to defend herself. They do n't have one. Even if they did it would be in JP MORGAN Chase. Your people can not just walk in a police station for 3 months until they finally give in and commit these crimes against an elderly woman. It is Elder abuse. I am sending this to both XXXX XXXX and JP MORGAN Chase. I hope someone somewhere has some sense of morality and decency to stop this travesty from continuing. What is in the past is bad enough, it ca n't be undone. | ||||||
| 05/08/2020 | Yes |
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| To Whom it May Concern : I am writing concerning JP Morgan Chase Bank 's ( Chase ) handling of the SBA PPP Loan process for its business customers. I have carefully read the criteria for this loan program and qualify as a XXXX XXXX XXXX for a loan to cover 2.5 months of net income ( which has been defined as payroll for the self employed or independent contractors ). I submitted my round 1 application within hours of the initial launch of Chase 's website for this program on XX/XX/XXXX, with follow-up information submitted on XX/XX/XXXX. I submitted on XX/XX/XXXX a round 2 application within a day of funds being again made available under the second authorization by Congress for the program. In both cases Chase has rejected my application citing inadequate documentation to support my loan request, yet each time it failed to communicate with me to inform me of what documentation they needed. In first round, NO GUIDELINES on required documents were provided whatsoever and I provided information in response to a later request for information that included no reference to the exact documents they were seeking. The only additional follow-up was a rejection note citing inadequate documentation with NO information on what was missing or inadequate. In the second round, there were now published guidelines, BUT these did not apply to my situation ( see below for more details ). In neither round was there any customer service support provided to obtain clarification. With my second submission on XX/XX/XXXX, I submitted very detailed information and begged them to please contact me should they need anything else. The only contact I received was a rejection email with no opportunity for appeal. While this is terrible customer service, it goes beyond this - it denies me equal access to a program I should qualify for because of Chase 's failure to follow Dept Of Treasury and SBA Guidelines. In particular, Chase has violated SBA policies which require a lender to work with the borrower to substantiate the income used for calculating the requested loan amount. While rejecting my application citing inadequate information, they failed to both provide proper guidance on the documentation needed during the online application process and the opportunity to rectify any information deficiencies by contacting me and requesting further information, which is easily and readily accessible. The requirement of the Lender to provide assistance to borrowers is stated clearly in the SBA FAQ for the PPP Program under the answer to the first question of the linked document, which states : " If the lender identifies errors in the borrowers calculation or material lack of substantiation in the borrowers supporting documents, the lender should work with the borrower to remedy the issue. '' https : //www.sba.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, Chase failed to provide adequate guidance on documentation required for businesses that were not in operation for all of XXXX, i.e. I formed a new XXXX on XX/XX/XXXX when I substantially reorganized XXXX XXXX. It is under the EIN of this business that XXXX XXXX accounts with Chase are registered. According to the most recent FAQ from the Dept. of Treasury, " An applicant that was not in business from XX/XX/XXXX to XX/XX/XXXX may use the average monthly payroll costs for the period XX/XX/XXXX through XX/XX/XXXX. '' ( this is from question 14 of the FAQ from the Dept. of Treasury https : //home.treasury.govXXXX ). With no guidance provided on how to substantiate income for this period, I provided various documents showing income and even filled out a hypothetical " Schedule C '' that just covered this period. I used the results to calculate the PPP loan amount. If this was not sufficient information, it is clear from these official government documents that I should have been contacted by Chase to provide other documents to meet the requirements. Chase 's failure to do so led to a rejection of the loan, which I otherwise qualify for under the requirements of the CARES Act. For your reference, I am attaching ALL the correspondence I have received from Chase on this matter, which consists of only confirmation of submission emails and subsequent rejection emails. These are all standardized template emails with no details about what information was deficient. It is ridiculous that the first rejection urges me to reapply, since Chase had of course committed all its funds to large business customers instead of small business ones. The second rejection, again with no specifics on the deficiencies, also provides no recourse, which is of course an unacceptable lending practice. Well, fortunately for me, I have you guys to turn to for providing that recourse. I understand you guys are efficient and fair, so I hope you are able to assist me with this urgent matter. To facilitate the process, I am attaching all the correspondence from Chase, which include reference numbers, etc. I am also happy to provide the specific information I submitted with my loan applications, but since much of it is quite personal I thought it not wise to attach it here but instead save it for future correspondence. I will of course be happy to provide any other information I can to facilitate obtaining an approval for the PPP loan if I am provided with details on what is actually needed! I am sure there has been an uptick in your cases, but I hope you are able to help me soon. I don't know where else to turn for assistance and am in desperate need of these funds given no income now for 3.5 months. This is a top priority for me as my financial survival depends on it - so please do not hesitate to call or email me with any requests for anything. Thank you for your time and attention. Yours Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ||||||
| 07/19/2017 | Yes |
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Web | Older American |
| I entered into a permanent HAMP modification on XX/XX/XXXX ( see Exhibit A ). At that time, my loan was executed through XXXX XXXX XXXX ( phone # XXXX ; email : XXXX ) and his fee for services was {$3500.00}. He asked for permission from me to communicate on my behalf with Chase. He requested this authority from me for the purpose of " being able to get through the process quickly. '' I had numerous questions from the very inception which always resulted in him reassuring me that my concerns were unfounded & /or unnecessary. I have asked both XXXX and Chase for the amortization schedule while in the first 5 years of a fixed monthly loan payment. My requests were over the phone with both XXXX & with Chase. XXXX told me it would not be a problem to get the amortization schedule, and after numerous attempts through Chase, I never received what I asked for. On XX/XX/XXXX, I called Chase with my Housing Counselor, XXXX XXXX with XXXX XXXX XXXX of XXXX, a non-profit, HUD-certified agency, and spoke with XXXX XXXX in the Customer Care Department ( XXXX ) who told us that the amortization schedule does not work for this type of account because it is an ARM. We asked if we could receive the amortization schedule for the the 1st five years since it was fixed during this time and also inquired about the {$300000.00} balloon payment. XXXX said these types of loans always have a balloon payment, which my Counselor said is inaccurate based on her 9 years of experience doing foreclosure counseling. XXXX stated she would generate and send me the loan history which would include all transactions and incentives applied. She also stated that she would send confirmation that the balloon payment would not apply in a payoff of this loan modification should it be paid off prior to resetting the loan, at which time it would have exceeded the alleged 30-year loan term agreement. On the one an only occasion in 5 years that my request from Chase was granted, the date beingXX/XX/XXXX, I received the attached ( see Exhibit B ) contradictory document as it pertains to the length of the loan which my understanding is the year XXXX, not XXXX. The amortization schedule I was mailed starts XX/XX/XXXX and goes through XX/XX/XXXX, even though my modification officially beganXX/XX/XXXX and stated that the maturity date is XX/XX/XXXX, which is a 14-year difference, which would lead to a sizable monetary discrepancy. Therefore, I need clarification regarding the term of the loan and why my loan is not satisfied by year XX/XX/XXXX. In addition, the last note on the amortization schedule states the accuracy of these calculations are not guaranteed, which does not make any financial sense. Please justify why this disclaimer is attached to the schedule. According to our calculations ( see Exhibit C ), the new principal balance of {$480000.00}, which includes a 2nd non-interest bearing principal of {$87000.00} and {$390000.00} interest bearing principal, is {$14000.00} higher than the schedule on page 3 of the modification calculations totaling {$470000.00}. The difference appears to benefit Chase and I can not substantiate how Chase derived at calculating the {$300000.00} balloon payment. On XX/XX/XXXX, XXXX told us she would be sending a written explanation that the payoff amount was INCLUSIVE of the balloon payment, but we never received the stated document. We also requested the transaction history from XXXX, that was mailed ( see Exhibit D ), but do not see where the HAMP incentives were applied throughout the 5 year promised period of time, XX/XX/XXXX-XX/XX/XXXX. Furthermore, I am disputing the late charges throughout Chase 's detailed transaction history, and need clarification as to the various transaction suspense amounts, including escrow advance recovery, escrow advance ( & what is the difference between these 2 transactions ), restricted monetary adjustments, misapplication reversal, corporate advances, and property preservation disbursements, and why I am being charged exorbitant fees when I am not in foreclosure and I was not told about when I signed the modification. Moreover, according to my monthly mortgage statements throughout the time from when I received the modification in XX/XX/XXXX ( see Exhibit E as an example ), I am paying substantially more into the interest part of the loan than I am into the principal when this is a HAMP modification that is supposed to be beneficial to the homeowner rather than the lending institution. Please provide explanation and verification that paying more into the interest portion of the loan is not costing me more money to pay back the principal. Lastly, I would like to have addressed the escrow & STAR portions of my loan because I believe that there is substantial inaccuracies as it pertains monies already have n't been paid and actual amounts owed. My STAR has been in existence since the year XXXX, time of purchase to present, with no lapse in allotment from STAR. Attached ( Exhibit F ) is a document that provides escrow history beginning XXXX throughXX/XX/XXXX. I am requesting a complete escrow disclosure statement beginning year XXXX to present and want proof that the STAR benefits were indeed calculated and applied. Plus, starting this XX/XX/XXXXwhen I will turn age XXXX, it is my understanding that I will then be entitled to an Advanced STAR exemption, as well as no longer having to pay school taxes as I will then be a senior citizen. How will I know that Chase will apply these exemptions when the time comes since I was told that Chase reports back electronically to my district, and how can I check through Chase that I am getting what I am entitled to beginning XX/XX/XXXX I would greatly appreciate clarity on my above concerns since I have been a Chase customer since XX/XX/XXXX, and both my original loan and my loan modification were both products of J.P. Morgan Chase. | ||||||
| 12/27/2022 | Yes |
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Web | Older American |
| Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window.This is the only time you will have to make a copy of your complaint. Victim Information Name : XXXX XXXX Are you reporting on behalf of a business? Business Name : Is the incident currently impacting business operations? Age : Address : XXXX XXXX XXXX Address ( continued ) : Suite/Apt./Mail Stop : City : XXXX XXXX XXXX : NV Country XXXX United States of America State XXXX Nevada Zip Code/Route XXXX XXXX Phone Number : XXXX Email Address : XXXX Business XXXX XXXX, if applicable : Other Business XXXX, if applicable : Description of Incident Provide a description of the incident and how you were victimized. Provide information not captured elsewhere in this complaint form. My checking account with Chase Bank was compromised by a person in XXXX XXXX XXXX. My debit card was compromised. I reported this to my Chase Bank, and my wife and I went to the bank and got new cards. I have never lived or worked in XXXX XXXX XXXXXXXX. The attached checking listing is not complete. If you need a complete listing, please let me know ASAP. Reversal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Which of the following were used in this incident? ( Check all that apply. ) Spoofed Email Similar Domain Email Intrusion OtherPlease specify : Unknown Information About The Subject ( s ) Who Victimized You Name : XX/XX/XXXX Reversal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Business Name : Address : Address ( continued ) : Suite/Apt./Mail Stop : City : Country : State : Zip Code/Route : Phone Number : Email Address : Website : IP Address : Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. [ No response provided ] Are there any other witnesses or victims to this incident? None If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. XXXX XXXX Police Department, XXXX, XXXX, XX/XX/XXXX, Report submitted on-line. Check here if this an update to a previously filed complaint : Who Filed the Complaint Were you the victim in the incident described above? Yes Name : Business Name : Phone Number : Email Address : Digital Signature By digitally signing this document, I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title 18, U.S.Code, Section 1001 ) Digital Signature : XXXX XXXX Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window. This is the only time you will have to make a copy of your complaint. | ||||||
| 03/31/2021 | Yes |
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| I received a Chase cash back promotion on my freedom credit card, which I activated to receive 5 % cash back when using the card at gas stations or home improvement centers XXXX which the website says includes large and small hardware centers ) between XXXX - XX/XX/30. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I'm planning a home renovation project where I'll be spending a few XXXX dollars at a local hardware store in my area called Herringtons XXXX. I primarily wanted assurance from Chase that these purchases would receive the discount. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On chase.com for the related credit promotion, I reviewed the FAQ on what determines a merchant falling within a particular rewards program. It states the following, which implies that it relies mainly on the merchant codes : " Merchants who accept Visa/Mastercard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note we make every effort to include all relevant merchant codes in its rewards categories. However, even though a merchant or some of the items that it sells XXXX appear to fit within a rewards category, the merchant XXXX not have a merchant code in that category. When this occurs, purchases with that merchant wont qualify for reward offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Another FAQ for what is included in XXXX XXXX XXXX states : " Merchants in the home improvement stores category specialize in selling a variety of home improvement supplies, from larger home improvement stores to smaller hardware stores. Merchants that sell a wide variety of general goods which XXXX include home improvement supplies, for example, warehouse clubs, discount stores, or grocery stores, are not included in this category. Also, merchants that specialize in home furnishings, garden and landscaping supplies are not included. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The promotional email that I received, and the Chase website, link you to a list of home improvement merchants under " Examples Of Home Improvement Stores ''. Since Herringtons Hardware was not listed here XXXX but other similar size competing hardware stores were listed XXXX, I contacted a chase representative to clarify that my purchase would comply since the list was showing " Examples '', and not the definitive list of stores. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- When I spoke to a rep, he informed me that only merchants on the " Examples '' list would receive the special rewards promotion, and that my purchase would fall into the 1 % rewards program, regardless if XXXX XXXX shared the same merchant code with the other merchants on the " Examples '' list. I called twice, I got the same response, and complained to the reps that this information is misleading and confusing, and was a tactic on the promoter 's part to get me to use my card more often at stores that seem to fall within the home improvement category. At the very least, they should not site stores as " Examples '' if this is the definitive list of stores. I was given apologies, but no resolution to my problem. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Based on all I read on the website ( sited above ), the promotion makes it seems that most standard hardware stores, sharing the same merchant code, would be included in the rewards program. This is not the case. Also, labeling the definitive list as " Examples '', is just wrong and deceiving, especially when coupled with other statements about categories being based on merchant codes ( and not a definitive list of merchants XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Only until I called customer service, did I learn that my hardware purchase would not comply with the special promotion, nor would my purchase be based on the merchant code like XXXX FAQ stated, but solely based on the list of merchants found under an Example 's List. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is false advertising. The misleading information on the website is meant to encourage you to use the card more often, causing XXXX to believe they will obtain the 5 % promotional award when in fact they XXXX just earn the standard 1 %. The bank knows the exact details of the promotion, but refuses to make it obvious to the consumer via their website. Not a smart tactic in my opinion. I have lost my trust in this bank 's promotions and credit card system. | ||||||
| 05/20/2020 | Yes |
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| I have had a mortgage loan with Chase Bank since XXXX. However, on XX/XX/XXXX, XXXX I received a letter and a text message from Chase advising me that my mortgage loan was transferred to XXXX XXXX XXXX XXXX. I had not received a welcome letter from XXXX I did not know where to send my mortgage payment. However, I was not too concerned because I know in the past if my other loan was transferred, I had a 60day grace period to get everything situated. On XX/XX/XXXX, I had an automatic mortgage payment from XXXX XXXX XXXX taken from my Chase Bank account in the amount of {$890.00}. I was a little flustered because I was not aware the money was going to be taken from my bank account. I never authorized XXXX to take any money out of my account. I had just received a welcome letter from them 2 days prior. At any rate, I said to myself- if the mortgage would have still been with Chase , they would have taken it out of my account so I let it go. Apparently- Chase provided XXXX all of my information including my bank information. My loan with Chase was set up on auto draft and came out of my account every month on the XXXX so it appeared XXXX was doing the same. That said, on XX/XX/XXXX, XXXX I had an automatic withdrawal from my account from XXXX XXXX XXXX in the amount of {$920.00}??? I called Chase Customer Service I was on hold for literally an hour. I asked the representative what the payment was for? She advised- it appeared to be a payment I had authorized and set up. I told her I had never heard of the company before and asked if it was for a mortgage? She said she didn't know. I asked if there was a phone number associated with the transaction- she said no. She wasn't very helpful so hung up with her and I drove to the Chase Branch in XXXX, CA. I spoke with the manager XXXX. He said I needed to make an appointment because he only had 1 banker. However- as I waited in my car, he looked up my account and brought me back some forms to fill out to dispute the transaction. I asked him as well if it was for a mortgage and told him how XXXX took money out of my account without my authorization. He also said he didn't know and said there was no phone number associated with the transaction. Around XXXX XXXX the branch manager called me and said he heard back from his back office and they advised him to tell me that I needed to close my bank account and open a new one and change my passwords. I assumed that someone from the back office was able to see something that I could not so I took his advice and made an appointment with the XXXX branch to have my account closed and open a new one. I met with XXXX the banker in XXXX and she had me change my email address and passwords to open up the new account. On XX/XX/XXXX I received a very disturbing letter from Chase advising they were closing my account. I was very perplexed and thought they were referring to the account I had previously closed until I saw the account number- it was the new account I had just opened!!! I called the number on the letter XXXX XXXX XXXX and the representative said my account was going to be permanently closed on XXXX XXXX. I asked her why- she said Chase does not have to give a reason. She further stated when I opened the account I agreed by when I signed the forms that Chase could close my account at any time. Even though, the banker pretty much singed all the documents on my behalf because of COVID-19. Anyway, she said the decision could not be over turned. And that I needed to have my money out of the account by XX/XX/XXXX or it would be a process for me to get it after the account is closed. I was very puzzled by the letter and the conversation and had no Idea what happened or why I was being treated this way. I decided to go online and set up payments for my bills to come out of a checking account that I had with another institution since this one with Chase would soon be closed. I went to XXXX XXXX XXXX XXXX website to set up my mortgage payment with the other institution and guess what??? it said my last payment to them was made on XX/XX/XXXX in the amount of {$920.00}??? Put Simply, I never authorized for XXXX to take out a mortgage payment on XXXX XXXX but they did. Then they took out XXXX 's mortgage payment not on XX/XX/XXXX but XX/XX/XXXX for a different amount and it was under a different name XXXX XXXX XXXX. Unbeknownst to me I thought I was a victim of fraud and went through a lot to get the account closed and to reopen a new one. Additionally- I was not prepared for XXXX XXXX XXXX to take money out of my account. I have been stressed and XXXX ever since not to mention- Chase has elected to close my account after all these years due to a misunderstanding. Chase provided the company my information. They took money out of my account- twice. They used different names for the withdrawal 's and took out different payment amounts Once again, when the unknown transaction appeared on my account, I called and visited a Chase Branch- I asked if it was for a mortgage and if there was a number, I could call to find out what the transaction was for- I was told NO. When I called XXXX- I was told they go by both company names. I also asked why did they take out different amounts- he said I agreed to have them take out an additional principal payment. I told him, I never spoke to anyone from his company before and I definitely hadn't spoken to anyone between XX/XX/XXXX to XX/XX/XXXX. He also said the payment taken out of the XXXX was done manually and the one on the XXXX was set up on the withdrawal. I further asked him, who authorized XXXX to change the date from the XXXX to the XXXX he could NOT answer the question. This is really a mess and at a time like this when folks stress levels are already high-I have been treated unfairly by both institutions at no fault of my own. | ||||||
| 05/21/2020 | Yes |
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| I have had a mortgage loan with Chase Bank since XX/XX/XXXX. However, on XX/XX/XXXX- I received a letter and a text message from Chase advising me that my mortgage loan was transferred to XXXX XXXX XXXX XXXX. I had not received a welcome letter from XXXX- I did not know where to send my mortgage payment. However, I was not too concerned because I know in the past if my other loan was transferred, I had a 60day grace period to get everything situated. On XX/XX/XXXX, I had an automatic mortgage payment from XXXX XXXX XXXX taken from my Chase account in the amount of {$890.00}. I was a little flustered because I was not aware the money was going to be taken from my bank account. I never authorized XXXX to take any money out of my account. I had just received a welcome letter from them 2 days prior. At any rate, I said to myself- if the mortgage would have still been with Chase XXXX they would have taken it out of my account so I let it go. Apparently- Chase provided XXXX all of my information including my bank information. My loan with Chase was set up on auto draft and came out of my account every month on the XXXX so it appeared XXXX was doing the same. That said, on XX/XX/XXXX- I had an automatic withdrawal from my account from XXXX XXXX XXXX in the amount of {$920.00}??? I called Chase Customer Service I was on hold for literally an hour. I asked the representative what the payment was for? She advised- it appeared to be a payment I had authorized and set up. I told her I had never heard of the company before and asked if it was for a mortgage? She said she didn't know. I asked if there was a phone number associated with the transaction- she said no. She wasn't very helpful so hung up with her and I drove to the Chase Branch in XXXX, CA. I spoke with the manager XXXX. He said I needed to make an appointment because he only had 1 banker. However- as I waited in my car, he looked up my account and brought me back some forms to fill out to dispute the transaction. I asked him as well if it was for a mortgage and told him how XXXX took money out of my account without my authorization. He also said he didn't know and said there was no phone number associated with the transaction. Around XXXX XXXX the branch manager called me and said he heard back from his back office and they advised him to tell me that I needed to close my bank account and open a new one and change my passwords. I assumed that someone from the back office was able to see something that I could not so I took his advice and made an appointment with the XXXX branch to have my account closed and open a new one. I met with XXXX the banker in XXXX and she had me change my email address and passwords to open up the new account. On XX/XX/XXXX I received a very disturbing letter from Chase advising they were closing my account. I was very perplexed and thought they were referring to the account I had previously closed until I saw the account number- it was the new account I had just opened!!! I called the number on the letter XXXX XXXX XXXX and the representative said my account was going to be permanently closed on XX/XX/XXXX. I asked her why- she said Chase does not have to give a reason. She further stated when I opened the account I agreed by when I signed the forms that Chase could close my account at any time. Even though, the banker pretty much singed all the documents on my behalf because of COVID-19. Anyway, she said the decision could not be over turned. And that I needed to have my money out of the account by XX/XX/XXXX or it would be a process for me to get it after the account is closed. I was very puzzled by the letter and the conversation and had no Idea what happened or why I was being treated this way. I decided to go online and set up payments for my bills to come out of a checking account that I had with another institution since this one with Chase would soon be closed. I went to XXXX XXXX XXXX XXXX website to set up my mortgage payment with the other institution and guess what??? it said my last payment to them was made on XX/XX/XXXX in the amount of {$920.00}??? Put Simply, I never authorized for XXXX to take out a mortgage payment on XXXX XXXX but they did. Then they took out XXXX XXXX mortgage payment not on XX/XX/XXXX but XX/XX/XXXX for a different amount and it was under a different name XXXX XXXX XXXX. Unbeknownst to me I thought I was a victim of fraud and went through a lot to get the account closed and to reopen a new one. Additionally- I was not prepared for XXXX XXXX XXXX to take money out of my account. I have been stressed and XXXX ever since not to mention- Chase has elected to close my account after all these years due to a misunderstanding. Chase provided the company my information. They took money out of my account- twice. They used different names for the withdrawal 's and took out different payment amounts Once again, when the unknown transaction appeared on my account, I called and visited a Chase Branch- I asked if it was for a mortgage and if there was a number, I could call to find out what the transaction was for- I was told NO. When I called XXXX- I was told they go by both company names. I also asked why did they take out different amounts- he said I agreed to have them take out an additional principal payment. I told him, I never spoke to anyone from his company before and I definitely hadn't spoken to anyone between XX/XX/XXXX to XX/XX/XXXX. He also said the payment taken out of the XXXX was done manually and the one on the XXXX was set up on the withdrawal. I further asked him, who authorized XXXX to change the date from the XXXX to the XXXX he could NOT answer the question. This is really a mess and at a time like this when folks stress levels are already high-I have been treated unfairly by both institutions at no fault of my own. | ||||||
| 03/10/2020 | Yes |
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| I received a Chase/Visa offer via emailed link on my XXXX XXXX XXXX credit card where the registered cardholder must spend {$500.00} or more directly with XXXX XXXX or XXXX XXXX resorts on their XXXX XXXX XXXX credit card from XX/XX/XXXX through XX/XX/XXXX. I registered for this offer on XX/XX/XXXX, and have proof of registration. On XX/XX/XXXX, I fulfilled the requirements of this offer by making a US {$770.00} purchase directly at the XXXX XXXX XXXX XXXX in the XXXX XXXX. In line with the offer details, I waited for the {$250.00} statement credit to post to my account within 6-8 weeks this never occurred and I am still waiting for the {$250.00} statement credit to post to my account as of today 's date XXXX XX/XX/XXXX ). I contacted Customer Service on XX/XX/XXXX and was told by a representative that my request would be forwarded to the Marketing Department who would perform an investigation and I would receive the results of the investigation in the form of a letter within 7-10 business days. On XX/XX/XXXX, I received a letter from Card Services - the letter makes no reference to any investigation and goes on only to state the terms and conditions of the promotion which are not disputed. This letter addressed none of my concerns raised in the previous phone conversation with Customer Service. I contacted Customer Service again after receiving the letter on XX/XX/XXXX and spoke with a Supervisor who I explained the situation to and who was apologetic. She explained that this would be forwarded back to the Marketing Management Team for escalation and that I would receive a call back from a Supervisor in 3-7 business days with resolution to the matter. On XX/XX/XXXX, I contacted Customer Service again due to the fact that I had not received any calls or correspondence regarding this matter from anyone at Chase. Again, the matter was raised to a Supervisor who was apologetic and stated would contact the Marketing Department and ensure that a Supervisor in the Marketing Department would call me back no later than Saturday, XX/XX/XXXX with resolution to the matter. Subsequent to my XX/XX/XXXX phone call with Customer Service, I inquired of XXXX XXXX regarding this issue to see if they would be able to help expedite resolution of this matter with Chase. They stated via email that the matter is being handled by Chase and I should direct further inquiries to Chase. After once again not receiving the call back with resolution to the matter from a Supervisor in the Marketing Department, I contacted Customer Service again on XX/XX/XXXX. I again, explained the situation to a Supervisor who was apologetic and stated that they had followed up again with the Marketing Management Team. He also stated that they were working to resolve the matter and could provide no timeline for resolution. Due to the lack of progress and no timeline for resolution, on XX/XX/XXXX, I sent an email to the Chase Executive Offices outlining the situation and demanding a temporary credit be applied to my account immediately since it was at least 5 weeks overdue. No such action was taken, however, I received a phone call from XXXX in the Executive Office who stated that she was investigating the matter and that I would receive a phone call back in approx. one week with resolution to the matter. On XX/XX/XXXX, I contacted XXXX in the Executive Office at Chase because I had not received a call back. She stated that the matter had been escalated with Visa and that I would receive a phone back in approx. one week with resolution to the matter, but told me that she has 30 days to respond XXXX which I believe is a Chase internal policy? ). I reminded her that I had been waiting 14 weeks for my {$250.00} statement credit to post - significantly exceeding the terms of the offer which I had registered for and fulfilled. XXXX offered XXXX bonus XXXXXXXX XXXX XXXXXXXX rewards points for my inconvenience associated with the continued follow up required on my part to get this matter resolved. I accepted, but again reminded her that I had been waiting 14 weeks for the statement credit that was at most supposed to post to my account in 8 weeks and expected resolution as soon as possible. On Tuesday, XX/XX/XXXX, I received a phone call from XXXX in the Chase Executive Offices. She stated that this matter had been resolved with Visa, confirmed that she agreed I had qualified for the offer, and stated that the {$250.00} statement credit would be applied to my account on XX/XX/XXXX. She cautioned me that this may take 1-2 business days following XX/XX/XXXX to appear on my account. XXXX stated that this matter was resolved and my case was closed, however, I told her that I would be calling her if I did not receive the {$250.00} statement credit by XX/XX/XXXX. It is now XX/XX/XXXX, which is approximately 16 weeks from when I initially fulfilled the terms of this offer. I have had contact with chase on approximately 12 separate occasions over 8 weeks regarding this matter. I have promised that it will be resolved on many occasions, however, this case/issue still remains outstanding and unresolved. I am filing this complaint with the CFPB to, once again, demand that Chase issue a {$250.00} statement credit to my account immediately due to the fact that I have fulfilled the terms of the offer on their cobranded credit card ( which they have confirmed ). Unfortunately, this is my last resort after months of frustration with nothing to show for it. I have never had a worse customer service experience with a credit card company in my life. I am Chase customer over multiple products, including 3 credit cards which cost me over {$640.00} in annual fees, and will be reevaluating my current and future financial relationships with Chase as a result of this extremely poor customer service experience. | ||||||
| 03/01/2023 | Yes |
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Web | Servicemember |
| REF # : XXXX In regards to FRAUD on Chase account ending in XXXX Account holder XXXX XXXX This letter is in dispute of your decision not to help me reclaim money that was fraudulently stolen from me. Back in XX/XX/XXXX, I was driving to my home town of XXXX XXXX, CA when I received an text alert for suspicious activity and that my debit card charged an amount of {$170.00} for XXXX XXXX ( Screen shot attached ). This started all the fraud that Chase Fraud department has not been willing to help me with. I responded it was not me. I was send an automated message that my debt car was closed and a new one would be issues. While I was out of town for a family members baby shower, more fraudulent activities happened. Three charges for the same amount happened using the new card that was issues and automatically uploaded to a scammers XXXX XXXX account ( which I was not aware of ). Mind you I never had this card in hand because it hadnt even been shipped to me. While I was in XXXX XXXX, CA ; 500 miles away from XXXX XXXX, These are the three charges that happened in XXXX XXXX using a debit card that I had no access to. XXXX XXXX XXXX XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XX/XX/XXXX - {$240.00} TOTAL = {$740.00} I was not using that account while out of town because thought I had not access to it. So when I checked my account and seen the three charges, I immediately called and reported Fraud on my account again, while still out of town. Your team proceeded to cancel the NEW card issued and sent another one while I was still out of town. It then happened again and I did the same thing. ( WOW ) When I returned to XXXX I called and talked to one of your Fraud specialists who had explained that the debt cards we never closed, just cancelled, so when YOU kept sending me new debt cards it would upload to my digital wallet that was more than likely compromised. He reassured me that everything looked suspicious and I should have no issues. Weeks later I am going to pay bills and my account is significantly lower on funds. I check as they that Chase fraud department had reversed the charges and took the money back. I was told CHASE agreed that the charges I disputed were suspicious but because they were made in the geographical region that I live, I was denied a refund. I was very upset and frustrated and was advised to Fax proof to Chase Fraud Department that I was out of town during the times fraud was happening on my account ending in XXXX and I would have a response within 5-7 business days. On XX/XX/XXXX I faxed The Chase Fraud Department a letter of my explanation along with two different account statements that are mine, one being another joint Chase account that I have with my wife and the other a XXXX gas credit card. I highlighted all the charges, transaction and gas purchases made while on my trip that all indicated they were made outside of the XXXX XXXX area. I called back XX/XX/XXXX because I had not heard anything back. When spoke to another person from the fraud department, she claimed I never sent supporting documents, but after further looking into the matter she said she found them and said it would take another 5-7 business day from that date. Meanwhile my bills have been backing up and not paid due to this loss in money. On XX/XX/XXXX I called back to see if there was any result, I thought for sure Chase would help seeing that they had asked for documents showing I was out of town. After speaking to a representative they now said after further review they could not refund me because the fraud department showed that the purchased were made online, on a device using XXXX XXXX and because there was no change in the changes to the device during the time, they couldnt prove it wasnt me. I pleaded with them and said, One I dont even use XXXX XXXX and Two I wouldnt go through all these lengths, why would I spend {$240.00}, three different times at different places, my account has never shown activity like that. I also said I am a veteran and have been with Chase for a long time, I Im just seeking help to recover my money that was stolen. They basically told me that they couldnt help. So I then proceeded to ask if Chase can provide the XXXX name, email address and IP address of the device. I explained to them that I HAVE NEVER used XXXX XXXX in my life and dont have it installed in any of my devices. I am not tech savvy but I figured they have access to see what was used, since it was the Chase Fraud department that told me the three charges being disputed were made from a XXXX XXXX account. I woke up today XX/XX/XXXX with a response from Chase : Dear Retail Claims Customer, We have received your request and reviewed your claim. Your claim is : Claim # : XXXX Claim Status : Closed Additional information : We have received your request and reviewed it. Unfortunately this is not something we are able to process. We apologize for the inconvenience. If you have any further questions please don't hesitate to reach out to us. Thank you for choosing Chase. Sincerely, The Retail Claims Team ( screen shot attached ). Id like to know how I can get help to recover the money that was stolen. {$740.00} for a XXXX veteran is a lot of money to be taken. I keep providing proof that the fraud department asks for and they keep changing the proof requirements. I even sent documents from XXXX showing that I my XXXX account has never had a XXXX XXXX set up, I explained in my logical thinking that whoever scammed my debit card had it connected to their wallet and XXXX account, but chase wouldnt listen. I dont know who to ask for help, if my financial institution is treating me like a liar and wont help me. Please advise because I need this money, Im backed up on bills and in a bad situation. Thank you | ||||||
| 08/02/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the significant challenges I have faced while attempting to make payments to Chase Bank. The payment process has been unnecessarily complicated, making it difficult for me to fulfill my obligations. Furthermore, I have encountered multiple issues and frustrations in my efforts to pursue and maintain enrollment in a XXXX XXXX XXXX XXXX XXXX ) with Chase Bank. Their handling of the payment process not only affects my ability to meet my obligations but also puts my enrollment in the XXXX at risk, as I have experienced ongoing difficulties with the enrollment process since the beginning. My interactions with their customer service representatives have been disheartening, and I believe it is essential to file a complaint in the hopes of finding a more satisfactory resolution. Issues with Enrollment in XXXX Firstly, when I initially contacted Chase to inquire about the balance liquidation plan, I encountered a representative with very broken XXXX, making communication extremely difficult. This individual failed to provide me with essential information regarding the stipulations and mechanics of the XXXX leaving me uninformed about the process. Following this conversation, I received correspondence from Chase stating that my account required urgent attention and that I had not completed the setup for the XXXX even though I was assured by the previous representative that everything was taken care of. When I called Chase support again to resolve the issue, I encountered further problems with autopay setup, leading to another letter about incomplete XXXX enrollment. It was not until I made a third attempt to enroll in this program that I had any success. Unauthorized Transaction leading to disenrollment of BLP Recently, I faced an unauthorized ACH transaction from my XXXX Checking account to Chase, which Chase was responsible for and unable to rectify. As a result, I filed a transaction dispute with XXXX in order to document this occurrence and resolve the issue. XXXX ruled in my favor, returning the funds ; however, as a result, Chase suspended my payment account method for the XXXX Chase 's Additional Demands When seeking assistance from the Chase XXXX support line, I was transferred to multiple departments without clear information about who I was speaking to. Additionally, contradictory instructions were given, and some representatives even claimed they could not find my checking account information, despite having used it for previous transactions. During an extensive phone call with Chase support, I was told that a mail piece needed to be sent to me, which I then had to take to my bank and sign, before faxing it back to Chase to unsuspend my account. In addition to this form, Chase bank required a voided check and a letter on Letterhead from XXXX ( my bank ) affirming that my account number and routing number are correct and that I was authorized to make transactions. When, in fact, Chase bank has full knowledge that both of these are true without needing any form of affirmation from my bank. This convoluted process seemed unnecessary and burdensome, causing further distress. Assistance at Chase Branch Furthermore, when visiting a Chase branch in person seeking alternative methods for payment account reinstatement for the XXXX I encountered unhelpful responses from the representatives, and even a rude and uncooperative Account Supervisor named XXXX. However, I would like to take a moment to thank the XXXX XXXX, XXXX, for her help and support with this matter. Overall Customer Service Experience Throughout this ordeal, I felt Chase 's customer service lacked consistency, transparency, and efficiency. Their inability to address the issues with my XXXX enrollment and the unauthorized ACH transactions has left me frustrated and disappointed. Moreover, the lack of clear communication and accountability among representatives made the process more confusing and time-consuming. Financial Implications At this point in time, I am unable to make payments towards the XXXX, and Chase is sending correspondence stating that my account is at risk of falling further into delinquency. The account may be assessed additional fees and interest, and there is a possibility of it being charged off. I am unable to pay towards the BLP because Chase has suspended my payment account. The only reason Chase suspended my payment account was because of the filing of the transaction dispute, which ruled in my favor. I filed the transaction dispute because Chase initiated an unauthorized transaction. As a result, I am unable to pay my XXXX facing the risk of disenrollment, loss of the interest rate, increased fees and interest assessed to my account, and reported delinquencyall because of Chase 's mistake. Request for Resolution I urgently request your prompt attention to this matter, as it has caused significant financial strain and inconvenience. Given the difficulties I faced with making payments to Chase Bank, as highlighted in the opening paragraph, I am concerned about the potential impact on my enrollment in the balance liquidation plan ( XXXX ). The outlined series of events and interactions with Chase, along with the provided payment confirmations, serve as evidence of the ongoing challenges I encountered throughout this process. I firmly believe that Chase Bank 's handling of my account, their lack of clear communication, and the repeated errors require immediate action for reinstating my account or providing a more appropriate resolution. Your assistance in resolving this matter swiftly would be greatly appreciated. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX. Attached is a copy of this letter AND the detailing of the events. Please review. | ||||||
| 03/08/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I made a mobile deposit into my business checking account, I deposited two {$500.00} XXXX XXXX money orders that were purchased at XXXX supermarket. On XX/XX/XXXX I noticed that there was a hold placed on the money orders until XX/XX/XXXX. That is a ridiculous amount of time to place a hold on money orders so I called Chase customer service. After a long hold I spoke with a customer service rep, I was informed that there was a hold on the money orders due to fraudulent issues. I was transferred to the Operations Loss Prevention Dept. where I spoke with XXXX. I told XXXX that I didn't know why the money orders were on hold and for such a long time. XXXX stated that the funds from the XXXX XXXX money orders weren't verified. I stated that's a simple fix, call XXXX XXXX with the number that all banks are provided to verify funds. After two attempts, XXXX was able to verify BOTH money orders and he IMMEDIATELY released the money into my account at XXXX. I asked if I would be able to use the funds right away and he stated YES. I would have no issues because he verified the funds. Once I hung up I went out and around XXXX I attempted to use the card at a gas station. The card was declined so I said I would call on XX/XX/XXXX to see why. On XX/XX/XXXX I called Chase to see why my account wasn't working. Once again, the funds were verified and in my account so I didn't understand what was wrong. What was supposed to be a 50 min hold turned into a 2 hour hold. I finally spoke with XXXX and she proceeded to tell me that my account was restricted. When asked why she said she it was the money orders that I deposited which were already verified. I asked her if I needed to send a copy of the money order stub/receipt to and she said they don't require the customer to provide the stub/receipt. I was again transferred to Operations Loss Prevention and after a long wait spoke with XXXX who was a supervisor. XXXX stated that there was a restriction on my account because of the money orders deposited. I told XXXX that on XX/XX/XXXX I spoke with XXXX who spoke with XXXX XXXX and verified the funds of the money order. If the money was immediately released into my account why is my account restricted. XXXX had absolutely no answer for this and couldn't account for how the money could be released if it wasn't verified. Its obvious that the money orders were verified or the money wouldn't have been released into my account. After going back and forth with XXXX I asked to speak with a higher supervisor and to file a report with the Executive Office Team ( EOT ). He stated that a higher supervisor wasn't available and that they would call me back within 24-48 hours. I have yet to receive a call from them. He did transfer me over to EOT and I spoke with XXXX from that department. I stated to XXXX what took place and even he didn't understand how the money orders could be verified, released and yet my account is restricted. I filed a complaint with the EOT department ( complaint # XXXX. XXXX asked if I could bring the stubs of the money order to a local branch. He said that they normally don't ask for customers to do that but if I could the restriction could be removed. After explaining to XXXX that this is really causing me to lose money and not be able to pay my clients, I would take time out to go into a branch. I let my clients know that they would be paid on Monday which was the next business day. I entered a local Chase branch and spoke with XXXX XXXX. I informed Ms. XXXX that I was told to come in to give the stubs of the money order. She asked if I had an appointment and I replied I was told by EOT to walk in to have this situation cleared up. After reviewing my account Ms. XXXX claimed that she saw nothing in the notes pertaining to the situation. She then asked who I needed to contact. How are there no notes pertaining to my account when everyone I spoke with noted the account. Ms. XXXX was very rude and not helpful when I asked her to contact someone in Loss Prevention or EOT. She told me that she could take the stubs of the money order and send them to another department and because she was off someone else would follow up with me. At this point I'm livid due to the fact that this bank is holding my money without reason and no one seems to care. I asked Ms. XXXX, who at this point is very condescending, to contact XXXX from the EOT department. By this time the branch was preparing to close and that is all they seem to care about. She contacted someone in EOT and told me to call them. When I asked her to call a higher up she told me that she was the supervisor and that she doesn't have to do anything else. She shoved my stubs, id and bank card to me and laughed while telling me to have a good day. I explained to her that I wanted the information to corporate so that I could file a complaint and once again she laughed and said she had no information. Anything that I said she would laugh and tell me to have a good day. Even when I asked for her supervisor she laughed and said that she would write him a note and he'll call me. This was the worst that I've ever been treated and after I walked out I called EOT and asked for an internal investigation against Ms. XXXX and to pull the video to hear her laughing at me and the situation. I am now on day 3 without being able to pay my clients nor have access to money that has been verified and released into my account. This is affecting my business tremendously and me personally. I am stressing out due to the fact of not being able to pay my clients even though I've done everything that this bank has asked. Yet they're still holding my money illegally. I will be filing a complaint with the XXXX and the FCC. I will be looking into legal action as well as this has been very stressful on me and my clients. | ||||||
| 11/29/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. JPMorgan Chase Credit Card & {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 03/25/2023 | Yes |
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| A phone call was received from a representative from the fraud department on XX/XX/23. The number that called me was the same number listed in the back of my " trusted '' debit card, XXXX ( XXXX ) XXXX. The representative ( scammer ) advised that there were two wires scheduled to the amount of {$6500.00} each and proceed to confirm if I authorized these wires, I replied no, that I never authorized these wires. He expressed his concerns and proceeded to ask if I provided my online information, bank info or routing number to anyone. I replied no, no one has my information. He then proceeded to act concerned and expressed that there is obvious fraudulent activity on the account. To verify me as a client, he sent a code to my phone with an OTP code, just like Chase typically does with activity like this. He asked if I knew anyone name XXXX XXXX I replied no, I had no relation with anyone with that name and he proceeded to explain this person was trying to wire that amount to her XXXX XXXX XXXX account. He assured me that this will be taken care of and that my account was obviously compromised, and that for someone to make that type of request, my routing number and account number may have been compromised. He then placed me on hold as he spoke to a " Manager '' who was going to be the only one able to make this reverse and cancel that wire. The " manager 's '' name was XXXX XXXX. Then instructed me to move my funds over to one account, so that they can issue a new account. Then proceeded to walk me how to " stop '' this fraudulent activity and set up the wire and advised that the money will not leave the account, but it was a necessary step to stop the fraud and get my account secured again and reverse the pending wire requests of {$6500.00}. The person I spoke with was very patient, apologetic and the situation was very believable especially since the call I received was from a " trusted '' customer service number. I was in a state of panic as the funds in my account is all I have and being told that there was fraudulent activity was very scary. The representative also advised that a new debit card was issued and even confirmed my mailing address to me. The representative then advised that I will be contacted shortly for a follow up on the fraudulent activity. Once I realized that I did not receive a call back, I immediately contacted the same number that called me at XXXX where I was connected with a rep who had no idea what I was talking about and that's when I confirmed that I was scammed. The phone call with the scammer was from XXXX central time and it lasted for 1hr and 14 minutes. The actual wire transaction was placed towards the end of the call for a total of {$14000.00}. I explained to the representative that I was scammed and needed to speak to someone who can help me get my money back. At this point, I was NOT confident that I was speaking to an actual rep, as I called the same number that called prior. By XXXX central time, was transferred a few times before I was able to speak to a rep who placed a recall on the wire and connected me to a rep who filed a claim for me and advised me to go to my local branch and file an Identity Theft package. The representative at the branch had me fill out paperwork which he faxed over to the claims department. No further instructions were given, no further guidance was provided. All that was said was to sit and wait until XXXX XXXX XXXX replies to the recall which may take up to 3 business days and to not worry, but that there is no guarantee that my money will be returned. The next day, XX/XX/23 at XXXX central time, I called the claims department to see if there were any other follow-ups on the claim. They advised that all they do is file the claim and the wire department takes care of the rest. They had no further information or even access to the wire department as they explained that ever since covid the wire department no longer takes phone calls. They advised that this process might take 24-48 hours and the only way to contact them was through my Secure Message Center which had a turnaround time of 24 hours- I have still not received any correspondence through the secure message center and I sent two emails through there advising to stop the wire as it was a scam. This was a back and forth between departments that took 2 hours and 3 minutes. Multiple supervisors from every department were spoken to and none had any resolution or urgency to the matter. We asked one of the supervisors, XXXX, from the claims department to provide the number to corporate in which he advised that were is no number for corporate. After multiple conversations with different department, we were finally transferred over to a corporate representative who also filed another claim regarding the matter yet still had no resolution except to wait on the recall response. I could not stop stressing the fact that even though this was a wire conducted by me, I was under the impression that I was speaking to a trusted fraud representative as the number who called me and sent OTP notifications were all the same as the " trusted '' bank. The wire is already a red flag as I have never sent a wire, let alone a wire for the entire amount in my account. The fraud department advised that there was an alert sent to me, and that the code provided was entered which allowed the wire to go through. If such scam can disguise their phone number to reflect a trusted facility, it is very likely that message was bypassed. As a customer I felt dismissed and not heard and there should have been more done to confirm that the wire was fraudulent. I requested for my account to be restricted and placed on a fraud alert. I no longer have online access, but I obtain any necessary documentation needed and I can obtain any other information necessary. | ||||||
| 10/30/2018 | Yes |
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| The Chase Customer Claims Department is refusing to refund the fraudulent charges on my account after numerous attempts to provide evidence to them. At this point, it is obvious that they are making this an extremely difficult task for me to get my funds back and have been " spinning there wheels '' at any attempt I make to work with them to prove that these charges were not done by me. I have included a detailed log of what has happened. 9 total transactions on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA Total charges = {$950.00} Fraudulent Charge Log XX/XX/2018Created claim with Chase Customer Claims Department after I was notified of fraudulent activity on my checking account. I canceled the debit card ending in XXXX. XX/XX/2018 Chase gave me temporary credit of {$950.00} to my checking account while they conducted an investigation XX/XX/2018 Chase sent a letter dated XX/XX/2018 indicating that they are removing the temporary credit on my account and decided they do not require any correction XX/XX/2018 Chase reversed temporary credit from my account totaling {$950.00} XX/XX/2018 I called Chase Claims Department and was told that there is nothing that they can do and I can not dispute the decision. XX/XX/2018 I call XXXX XXXX XXXX XXXX # XXXX and speak to the store manager, XXXX. I attempt to set up a time to come view the video recording of the time of the 9 transactions to prove that it was not me. XXXX suggest I file a police report and have a police officer accompany me to view the videos. XX/XX/2018 Filed a police report with XXXX XXXX PD. Case # XXXX XX/XX/2018 Call Chase Claims Department to let them know I filed a Police Report and will be investigating the fraudulent use of my card. I was told that they do not take police reports into consideration for their investigations. I plead my case, mentioning that I was at work all day and was impossible for me to be at XXXX XXXX XXXX. XX/XX/2018 I faxed Chase a verification of employment and proof that I was at my employers office on XX/XX/2018 from XXXX XXXX. This letter was created and signed by my CFO.I was told that with this verification I can have my claim reopened. It will take up to 48 hours to process and an additional 3-5 days to investigate reopened claim. XX/XX/2018 I call XXXX XXXX customer service to open a claim. They ask for my card number that was used for the transactions to begin investigation. I do not have card number due to destroying it after it was used fraudulently on my account. XX/XX/2018 I visited my local Chase Branch in XXXX XXXX to retrieve my old card number after proving my identity in person. This was the card number used fraudulently. XX/XX/2018 - I called XXXX XXXX customer service and provided my card number to them so they could pull the transaction history. This is the information that was provided to me : All transactions happened within 1-2 minutes of each other From roughly XXXX XXXX All transactions happened at register XXXX ( self-checkout ) The card was swiped the chip was not used XX/XX/2018 - I call the XXXX XXXX XXXX XXXX XXXX XXXX manager, XXXX, who told me they have surveillance on those machines and that he could show me footage of the person who used that register. He recommended I bring in the detective who will be handling my case, however, he told me if I can not get the detective to come he would show me the videos in the event that I may recognize the person using my card. XX/XX/2018 - I call into Chase for an update on the status of my claim. I am told my employment verification is still under investigation. I informed them I am moving forward with my Police investigation and once I get proof that it was not me, how would I report that to them. He told me to go to my local branch and present the information to a Banker. XX/XX/2018 - I call XXXX XXXX XXXX to confirm that the camera footage is still available back to XX/XX/XXXX. XXXX, store manager, confirmed that it will be stored back 2 months. XXXX took down my information and told me that XXXX from lost prevention will contact me and she may be able to send me the videos. XX/XX/2018 - Detective XXXX XXXX contacted me via email and asked questions regarding my case. XX/XX/2018 - I called Chase Customer Claims and was told my work verification was denied because it was a letter and not a legal document. I am on salary and do not have a punch in punch out document. They said this will not be sufficient evidence if I dont have punch in / punch out. XX/XX/2018 - I sent Detective XXXX the information about the transactions and the case Ive built so far. Ive also requested that once we prove that it was not me to help me report it to Chase. XX/XX/2018 - Detective XXXX sends me an email : XXXX, Good news Sir. I have the security footage from XXXX XXXX XXXX and compared the suspect on the footage to your DMV photo. I can say without a doubt, YOU ARE NOT THE ONE, who was making those charges on your card on the day in question, XX/XX/2018. Hope this information can help you with CHASE. As I said before, I can not release any official Police report to the above information. Nor can I release the video footage to you or CHASE because this is an active criminal investigation. I can speak with a CHASE Law Enforcement representative/ liaison if they want to contact me about the above fact. Best of luck Sir. XX/XX/2018 - I visit my local branch and provide the banker with this email and other information about my case. He told me he would contact the claims department but historically they are not cooperative with the local branches and Act almost as a separate company. He told me they are mainly outsourced to other countries and he doesnt have much say in the matter. He will try his best to help me but did not sound confident he would be able to. | ||||||
| 10/28/2023 | Yes |
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| On the morning of XX/XX/XXXX I woke up to numerous notifications of withdrawal from my account and discovered I was locked out of my chase bank account with the thief changing my passwords and phone number belonging to my account I called up chase, and they told me theyll mail out a letter for me to sign. Throughout the days I got different notifications from an app called " XXXX '' I downloaded ( XX/XX/XXXX ) with numerous notifications of deposits and orders. Sensing the danger of the situation, I personally go to the very same XXXX branch I opened my account at and always deposited my money at with supporting documents attached. My chase branch and had an employee attempt to help me, the employee and i went into an office she then typed my information into her computer and saw that there were multiple deposits to XXXX roughly $ XXXXshe went through my account more and saw that another email address was added to the account. The employee calls in the manager then calls a chase agent who would be handling the investigation, agent told me to sign the papers the branch employees give me and they'll fax over the documents for me. The agent tells me he'll be issuing me a new card and that my password would be reset. My new card arrives XXXX weeks later while still receiving XXXX notifications this time i got a notification that a " debit card '' was issued by them but clicking the notification leads to attempting to log into the app my password doesnt work i then message XXXX support explaining the situation their response time were EXTREMELY slow, getting responses every XXXX Hour i at that point knew my information on the XXXX XXXX was changed along with the email which added to the delayed responses. After getting on call with agent to help with my case and password reset he tells me that my account was credited for the stolen funds and that the investigation ENDED. Upon entering my account i see that more deposits were sent to XXXX all the " credited '' funds were taken from my account, upon further investigating, the EMAIL ADDRESS i mentioned along with the chase branch employee earlier of the start of the investigation was still on the account with XXXX and " XXXX '' linked to it. i called up chase fraud department again give them my claim id, im told the case was closed and i couldn't open another because they had supporting documents stating i AUTHORIZED the transactions. i ask the agent for the supporting documents to which he shouted at me over the call and gave a " sucks to be you '' attitude, refusing my demand of the documents and ending the XXXX. i go back and forth with chase support for 2 months. in those 2 months XXXX finally gets in contact with me via phone call, they tell me my email, social security and bank account have all been compromised. i tell him " you left me in the dark for months just to tell me something I've already learned? i then proceeded to ask him about the debit card that was issued by them on my compromised account 's location, he tells me he can't disclose that information as that could affect the investigation but still wanted me to cover the stolen funds in the account!? i refuse, and then the call ends. More of my emails and calls go ignored, then sometime in XX/XX/XXXX XXXX XXXX comes out and States they had a XXXX breach in their systems. They stated in earlier emails that they " restricted '' my account which turned out to be a lie as ive attempted to get into my XXXX account for nearly 2 YEARS. to make a complicated story less complicated, XXXX eventually " Restored '' my account temporarily i check the history in the account and all the transactions linked to my chase accounts including my savings appeared including some of the purchases the theif made in PERSON at a store location in California with a number attached again, the location of where the card was shipped isnt shown. i screenshotted as many things as possible after i requested robinhood support in the app to ask for the debit card location my account was later closed. i went to file a police report with the evidence i had but was told they cant investigate something out of state. with the massive financial XXXX I've had to suffer from a lazy fraud investigator at chase i became paranoid periodically checking my chase bank account and went through it more thoroughly and found that another DEVICE was linked to my account with a phone number linked to my savings account and also found that since an email and phone number were added to the account you can swap them and make one the default for all notifications and emails, noticing this i realized my account was still in danger and it turned into a race of taking out the remaining money in my account. it took me all but XXXX mins to go through my account and find it was compromised, and yet a paid chase fraud agent couldn't see that. As i spent the next few days withdrawing the remaining money in my account chase and calling chase support over and over to explaining my discovery on the account they later on CLOSED my account without Notice and even put some kinda block on my credit to prevent me from opening any bank account while Still sending me letters to pay them from an overdraft account that they knowingly admitted to being compromised but still wont stop. The extreme negligence from a chase fraud agent along with chase bank putting me into financial XXXX has caused me SEVERE emotional distress that lead to constant suicide ideations. Imagine having {$75000.00} of 1516 years of hard work, sacrifices and future planning for a new home and a XXXX for a medical condition be taken away from you and then discover that your stolen money and unemployment benefits was used for lavish purchases in a state of California while you suffer barely able to pay your bills and afford to eat? | ||||||
| 07/03/2020 | Yes |
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| On XX/XX/2020, XXXX XXXX approved a Paycheck Protection Program Loan for my company XXXX XXXX XXXX. ( see attached promissary note ) XXXX XXXX deposited the approved loan amount into my Business Checking account at Chase Bank on XX/XX/2020. On or around XX/XX/2020, my 2 business accounts were frozen by Chase Bank due to a notification sent by XXXX XXXX to Chase saying the deposit into my account was unauthorized. There was also a note for me to " Call XXXX at XXXX XXXX at XXXX '' On Monday XX/XX/2020, I learned of my account freeze when my payroll was returned NSF to XXXX. XXXX contacting me for the balance plus a penalty for NSF. I called chase business and the representative told me there was a note to call XXXX at XXXX XXXX. I called XXXX and left him a voicemail. 30 minutes later my call is returned by a gentleman named XXXX XXXX at XXXX XXXX I informed him of my account issue and the obvious problem. XXXX told me to go to Chase Bank tomorrow and have them call XXXX. On Tuesday, XX/XX/2020, I contacted Chase Fraud Recovery Team. I explained to them that I had spoke with XXXX XXXX but I would like to cancel the loan and return the funds to XXXX XXXX. I also asked them to call XXXX and the representative declined and said any issues I have with XXXX XXXX are between me and them. After this attempt, I called XXXX myself as instructed by XXXX the previous day. I left XXXX a voicemail at XXXX ET. At XXXX ET. I received a call from XXXX which was XXXX. I told him the ongoing issue and told him I would like to cancel the loan and resolve the debt. He told me I needed to speak with XXXX because XXXX was overseeing the whole thing. At XXXX ET, I called XXXX at XXXX XXXX at XXXX, XXXX said he would like to recover the loan money and said Chase Bank was the ones not allowing them to recover at this time. He said I needed to talk to Chase Bank in order to get the freeze removed so the money could be returned. After these calls, I contacted XXXX XXXX directly requesting a loan cancellation. They made note and asked me to also make a request with XXXX ( the company who apparently processed the application ). I followed the link provided to me and filled out the cancellation request. On XX/XX/2020 I walked into Chase Bank located at XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX. I gave XXXX my identification and told him the problem. I asked XXXX to contact the Chase Fraud Recovery department and XXXX XXXX so I could deposit the necessary amount to fulfill the loan. XXXX asked me for proof of the promissory note for the deposit in question and I provided the note to him. XXXX was unsuccessful in getting Chase Fraud Recovery on the phone and although he acknowledge the message on my account stating that " Call XXXX XXXX '' He declined saying it was not his matter to call another bank. XXXX provided me with a telephone number to call " XXXX ''. I called this number several times and selected various options trying to get help. Each individual said they do not handle business accounts and that this was for commercial services. Around XXXX et I spoke with XXXX from Chase Fraud Recovery, I explained to him I am making an effort to fix the problem and wanted to send in my promissory note. He instructed me to go back to the Chase branch and provide a banker with the document and have them send it in. Around XXXX et I walked back into Chase Bank located at XXXX XXXX XXXX XXXX and I spoke with XXXX again. I provided XXXX a copy of the promissory note and I told XXXX what Chase Recovery said and he asked me where to send it. I was never provided an email address or number so XXXX said he would get to it today. At XXXX et, I called XXXX XXXX and left a voicemail on their main customer service line. At XXXX et, I called XXXX XXXX toll free number and spoke with a woman. She took down my information and said that I needed to call XXXX as XXXX services my loan. I explained to her that Chase has a specific note on my account that says Call XXXX XXXX at XXXX XXXX The representative said Hmmm that strange, XXXX works in insurance Im not sure why he would be involved She took my information down and said they would follow up. On XX/XX/XXXX, I contacted an attorney for help. My attorney contacted XXXX XXXX at XXXX XXXX and explained to XXXX that I would like to have all the funds returned to close out the loan. XXXX gave brief instructions on how to make a payment to XXXX XXXX. On XX/XX/2020 I got a Cashiers check from Chase Bank made out for {$68.00}, XXXX, which is the remainder of the balance not frozen by chase. This money was funded from my personal savings account and the Cashier 's Check was issued by Chase. This cashier 's check along with a letter to XXXX XXXX has been sent via XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. Tracking # XXXX Also on XX/XX/2020 I sent a letter to Chase Fraud Recovery detailing the communication between myself and XXXX XXXX. I provided them a copy of the promissory note and a written authorization to push for a resolution of returning the remaining funds to XXXX XXXX My business of 10 years is now out of business because of this. I had to let go of all XXXX of my employees as all my business assets are frozen and I do not have the ability to pay them. I have spent the entire week making a good faith effort to resolve the matter between both parties ( XXXX XXXX and Chase Bank ). Both parties acknowledge that they would like to reverse the transaction but are not assisting me in doing so. Additionally, this has costed me over {$80000.00} in personal assets as I would have never reopened after Covid-19 if I did not get the loan that XXXX has simply reneged on. I now have a severe hardship to compliment an already difficult time caused by Covid-19. | ||||||
| 08/14/2023 | Yes |
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| I was the victim of check fraud on XX/XX/23. I reported the fraudulent activity that day, started a claim with Chase 's fraud unit, and froze the account. I also went to a local bank branch in Michigan, where I was at the time, and made an appointment to see a banker in the morning to transfer our funds out of the frozen account to a new one. I was informed of the need to file a police report and XXXX fraud statement, after which it would take 3-5 business days to complete the investigation process and return our lost funds, which totalled {$20000.00} + a {$9.00} fee for ordering the fraudulent checks. Upon returning home on XX/XX/XXXX, I filed the police report and brought it to my local branch in XXXX and filled out the XXXX form in the presence and at the direction of a banker. They faxed the documents to the fraud department and told me I would be notified when the investigation was complete. I called back on XX/XX/XXXX to check the progress of the claim. I was told nothing substantive, except that the investigation should be complete in another day or XXXX. I called back again on XX/XX/XXXX, and was again told nothing of substance except for an assurance the money would be returned in the next few days. I called in another XXXX times on XX/XX/XXXX, and was now told that it could take up to an additional XXXX business days before my money would be returned, again with no actual information as to the reason for the delay. After another XXXX days without any update, I called again on XX/XX/XXXX, and this time was told that the claim had been resolved earlier in the week. This was a shock, as I had received no notification or communication on the matter, nor was there any message or indication in my online banking account portal referencing the investigation in any way. And of course, the {$20000.00} was still missing from my account. After lengthy discussions with the fraud line operator and a supervisor, I was told that the issue was that the investigation was only flagged to the old checking account - the one that was frozen and closed - and that some of the fraudulent activity was transferred over to the newly opened account and was affecting the balance there. This despite the fact that the account did not exist when the fraudulent transactions took place, and was only opened at Chase 's instruction when they started the fraud claim, apparently confusing themselves in the process about what they were even investigating. I was further told that the only thing anyone could do was to reopen the claim with the new account numbers added to essentially start the process over, and that the money would be returned in ( once again ) 3-5 business days. The following Monday, XX/XX/XXXX, I once again called in to confirm that the investigation process was actually underway, and was informed that it in fact had not been started, despite repeated assurances the Friday before from the supervisor that it was and that he had made notes to expedite it however possible. The operator said that the new investigation required the police report, but were able to find it after I explained that it had been submitted weeks earlier. They still said that I would need to submit a new XXXX claim, however. Later that day, I visited my local branch to submit the new form and was told I could not see a banker until Wednesday the XXXX. After I insisted to see someone that day, I was sent to another branch where I was able to sit down with a different banker. She had me call the fraud line again in her presence. This time, the new operator said that actually, they did not need a new XXXX claim but did need the police report to be resubmitted, the opposite of what I had been told on the earlier call. I had all the paperwork with me anyway, so the new banker faxed it in again and I was told that it would take until the following day to be accepted, and then 5-7 business days to process the claim. Quite irate, I demanded to know why I was being told different things every time I called in, why I was not notified of either the earlier claim be marked resolved or of the need for additional documents that was holding up the new claim, which I only learned by repeatedly calling in and showing up at branches and demanding updates. I was told that, despite having been told that I could receive phone updates earlier, there would be no telephonic or digital communications about the claim ( XXXX ), and the updates would only be sent via physical mail. As of XXXX days after the fraud claim was initiated, I have received no such updates or information of any kind in the mail. I told them that using the slowest possible communication method would only serve to delay further a process that had already taken XXXX longer than I was promised and only seemed to be further away from actual resolution than where it began, and asked for overnight mail if they would not use digital or phone communications. I am now nearing a month without having been reimbursed for the money stolen from my account. I have followed every direction from Chase 's fraud department, which I have been forced to initiate interactions with on a dozen different occasions in order to receive any information on why the money is still missing, and what little information I have received is contradictory, unhelpful and completely unreliable. Chase 's representatives consistently plead powerlessness and ignorance in the face of their own internal operating systems, and are unwilling or unable to provide any proactive information about the theft, what they are doing about it or what is needed from me in order to keep things moving. I believe Chase should be held liable for failure to protect my funds and its obstruction and lack of communication and transparency as to the investigation into that failure. | ||||||
| 12/08/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the XXXXACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. JPMCB CARD & {$3600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/29/2023 | Yes |
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| I am writing to bring AGAIN to JPMorgan Chase Bank NA and VISA attention a concern regarding a charge on my VISA XXXXXXXX credit card that was already disputed but with the wrong internal code. This is not a dispute for a difference in invoicing, this is an incorrect charge, not authorized and non-existent which should be considered FRAUD by the vendor XXXX XXXX as Im proving in this letter. I have the following letters from your Disputes department : - XX/XX/XXXX : Update on the dispute. - XX/XX/XXXX : Closing the dispute ( This was incorrectly disputed ). - XX/XX/XXXX : Re-open dispute and Researching charges disputed recently. I have also had several communications with your customer service department, at least seven times already in these last five months, the last one with XXXX at around XXXX XXXX EST on XX/XX/XXXX, who recommended re-opening the case via fax, so this time there should be no delay in resolving this issue. I have visited yesterday, XX/XX/XXXX, the Chase Branch in XXXX, XXXX and talked to the banker XXXX XXXX XXXX who has sent a fax with new documentation regarding this case. The fax claim number is XXXX and confirmation number is XXXX XXXXXXXX with a second fax with my credit card number as a subject with confirmation XXXX XXXXXXXX. This new information should be enough to re-open the dispute correctly, investigate about this FRAUD committed by XXXX XXXX with many other clients ( Around XXXX claims in XXXX only with 1-star rating and complaining about the same modus operandi of charging for unexistent damage ). On XX/XX/XXXX, I noticed an amount ( {$1000.00} ) related to a car rental by XXXX XXXX in XXXX, XXXX, while I was flying back to XXXX, U.S.A. I request your immediate attention to this matter. I am disputing this charge of {$1000.00} on my Chase VISA XXXX XXXX card , which the vendor informed me on XX/XX/XXXX it was related to damage to the rental car. The damage is attached in the pictures below. Im unsure if revising the pictures sent by fax will be possible, but I can re-send the originals if needed. The minimal damage in one rim from the front wheel was already there when I rented the car, and the other alleged damage in the front drivers door is just a black mark that was not there when I left the car, and it is not even damaged. Please BE AWARE that this is a common FRAUD/SCAM made by this vendor to their international tourist customers in their international credit cards ( the international customers have no protection from XXXX community laws ). The only protection we have is our credit cards reversing these fraudulent charges, and in this case, I have this protection from my CHASE VISA. REVIEW ANNEX I After several communications with Chase Customer Service and the new information brought to me by the rental company in XXXX, I tried to re-open the case. Still, I was unsuccessful over the phone, so Im sending this fax to re-open the dispute. Regarding the car rental, I would like to bring to your attention some important points ; none of the commonly accepted practices for car rentals was followed for this specific service since : 1.- The car given was not the car that I paid for ; instead it was a car with several damages. 2.- The Car had multiple damages when picked up from the XXXX XXXX XXXX The XXXX XXXX representative warned me of the several damages on this car and wanted me to upgrade the car and take their own insurance ( both options were double the regular cost of the rental, which makes no sense ). 3.- I noticed that the car had prior damage not ultimately noted by the XXXX XXXX company when I picked it up. The representative on the airports main floor made me sign an XXXX with the prior damage to the car ( only four items ) but NEVER sent this detail to me when I was finally in the parking lot checking the actual car. There was a BIG difference between the damage informed to me and the actual damage in the car. It was just so many scratches and bumps that it was impossible to note all of them. I was with my baby and my wife ; we didnt receive the details of the damages and therefore, we decided to leave. Before leaving, I attached multiple pictures to support this claim. No new damage occurred during my rental period, and you can refer to ANNEX II for further details. 4.- The car was returned a few hours before the due time, and the XXXX XXXX office was closed. I followed the instructions to leave the keys in the after-hours box. No final rental revision was made in my presence, the car had no new damage and I never approved or acknowledged any damage that XXXX XXXX charged. As previously stated, there was no valid reason to charge my VISA credit card USD XXXX. However, I did sign an EURO XXXX HOLD on my VISA credit card as the car rental service required, which is not unusual and is done to protect the car in case of collision. This was not the final charge but merely a hold. If I had not complied with their request, I would have been obliged to purchase insurance from them at a cost of over EUR XXXX during that time. It is important to note that no actual charge was made at that point. I demand an immediate reversal on my credit card for {$1000.00} to address my concerns. All relevant records have already been shared for your review. I reserve my right to take legal action against VISA U.S.A. IncXXXX or JPMorgan Chase Bank for the time I have spent resolving an incorrect charge on my credit card. Today, I am making a payment towards my VISA credit card. The payment is for the remaining statement balance after deducting the incorrect amount of USD XXXX. I expect that there will be no late fees or interest charged on the incorrect outstanding amount in the future. Your prompt attention to this matter is appreciated. I await your response promptly. | ||||||
| 05/10/2019 | Yes |
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Web | Older American |
| Ref : Chase Bank On XX/XX/2019 I checked my account and noticed that I was charged {$34.00} for a check that was returned in the amount of {$1400.00} ( rent check ). In the past, any overdrawn checks were paid, and I was charged accordingly. In my effort to find out why the check wasn't covered via overdraft protection, I called Chase 's XXXX toll free number ( XX/XX/2019 ) to find out why I didn't have overdraft protection. I have been a Chase customer for over 15 years ( ever since they took over Washington Mutual ). The young lady that I spoke with told me ( after checking my account ) that she was going to reverse my {$34.00} fee, but based on the fact that I didn't have a savings account with the bank, the check couldn't be covered. I mentioned to her that I have never had a savings account with Chase, and in the past they paid my NSF checks knowing that I would update the account to good standing in a timely matter. Mind you ... 15 years as a customer. When I explained to the customer service rep. that I had never had a savings account and my NSF checks were paid, she reiterated that she would be more than happy to reverse the fee, but she couldn't offer me any other assistance other than what she had reiterated. I, again, asked her if there was some basis as to why the check would have been returned when in the past my NSF checks were covered. She finally confessed that the decision to cover the NSF check was based on the bank 's discretionary decision. When I thanked her for her " honesty '', I asked her if I could speak to a supervisor. She was more than kind in turning me over to an individual ( supervisor ) who further offered to help me. In his investigation my account, he said that he was baffled by the bank having returned the NSF check, since he saw that I met ALL the criteria needed to have a NSF check covered according to Chase 's regulations and information they ( customer service ) uses to verify a customers account status. The gentleman I spoke with was extremely apologetic, and suggested that I go into my local branch and ask for a particular form to update my overdraft protection. I was grateful that he was extremely courteous and grateful to know that he concurred with me regarding the issue on questioning bank policy ( i.e., what they tell the customer service reps. to say to the customers vs the truth ). Bank discretion? On XX/XX/2019, I went into my local branch. I explained my situation, only to find out that there's was nothing that they could do according to bank policy. When I further explained my discussion with the toll free number and their interest in knowing why my check was not covered ( since I met all the criteria per their standards and qualifications ), I was told that there was nothing that they could do to help me ( even if I filled out the proper form ) based on the fact that I hadn't met the time criteria to fill out the form. The form was bogus in stating that I had to fill it out by XXXX XXXX, but it didn't have a statutory date from the time the form needed to be filled out ( within 24 hours? ) Needless to say, when I suggested that I felt that this was unfair, even if they did reverse the {$34.00} charge. Still, I was going to have to notify my landlord and be accountable for any fees he may charge. The second person ( supposedly a manager ) took over the job of helping me since the first person that I was working with had NO idea how to assist me. She was as confused as I was. Nonetheless, the 2nd person I spoke with was treating me in a condescending manner. She was suggesting that it was enough that the bank ( at their discretion ) was kind enough to at least reverse the {$34.00}. In feeling that I was being given the run around, I couldn't help but tell her that perhaps the problem ( since she couldn't help me ) could better be resolved through a consumer 's advocate attorney or the FTC. As soon as I mentioned this, she said that she had the RIGHT to ask me to leave the bank if I EVEN mentioned attorney. The young lady who initially was helping me and sitting next to the person who said this to me, looked perplexed ... maybe shocked. I was not irritate, but fuming inside. I told the woman that I'd be more than happy to leave ( I was writing notes ), but prior to my leaving I'd like to get the form that they wanted me to sign in order to get the NSF check covered. She refused! She said that they didn't give out forms. I requested that she give me her name or business card. She was hesitant to give it to me and suggested that perhaps I needed to talk to someone over her. I told her NO, that I'll I wanted was to get her business card, and I'd be on my way. She gave it to me mentioning that I was trying to intimidate her. This was far from the truth. I was only trying to make sure that I had the proper name of the individual that I was having difficulties with just in case I needed to contact the proper sources with my complaint. Again, my concern and complaint is against the bank and their protocol/discretionary policy. I'm a grandmother ( XXXX years old ) that has been raising my XXXX XXXX XXXX children on my own for over 15 years. My daughter, the mother of the XXXX children ) has recently gone under XXXX XXXX ( XXXX ), and is living with us with her husband. Neither of them work or are able to contribute to our household situation financially. Indeed, times are tough, but I'm grateful that we have food on the table and a roof over our heads. To have to deal with the malarkey that I recently incurred at my local branch, is just not right. Please let me know what more I can do to prevent this from happening to more people in the same boat. It's just NOT RIGHT! Thank you so much for your time and courtesy in checking my formal complaint out. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 09/24/2021 | Yes |
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Web | Older American |
| My complaint against Chase Card Services involves an unauthorized/fraudulent transaction charged by XXXX XXXX XXXX to my credit card on XX/XX/XXXX, in the amount of {$4700.00}. Attachment 1. The billing party identified on my credit card, however, was XXXX XXXX. Attachment 2. ( XXXX XXXX XXXX and XXXX XXXX are referred to as merchant. ) I did not order or purchase anything from the merchant submitting the charge or billing me, on or around XX/XX/XXXX. Moreover, neither Chase nor the merchant can identify the services or products charged or the dates the alleged services were performed or the product delivered. I contacted Chase within 4 minutes of when Chase notified me of the charge. The merchant on XX/XX/XXXX, claimed I purchased something or something was available to me for use, without identifying any product or service. Chase gave me until XX/XX/XXXX, to respond to the merchants claim. Attachment 3. On XX/XX/XXXX, at XXXX XXXX, before reading my response and 8 days before the XX/XX/XXXX deadline set by Chase, XXXX, a Chase representative, denied my claim of an unauthorized charge. The basis of the denial was a telephone conversation between XXXX and the merchant and a review of the merchants submission. Attachment 4. My unread response to the merchants claim was simple, I did not order, purchase, contract or in any manner contact the merchant concerning the unauthorized transaction. Moreover, the merchant did not identify any product purchased ; and the emails in the merchants submission were both undated and fake. Unfortunately, Chase never reviewed my response prior to making its denial. Attachment 4. The specific facts and dates are set forth in paragraph format. 1. At XXXX XXXX, on XX/XX/XXXX, my Chase notification alert notified me that the merchant, had charged my credit card {$4700.00}. 2. At XXXX XXXX I notified Chase Disputes, by telephone, of the unauthorized charge. Chase temporarily removed the charge from my bill. 3. On XX/XX/XXXX, the merchant filed a response claiming I either received the services billed or the merchant made them available to me. 4. Chase instructed me to respond to the merchants response by XX/XX/XXXX. Attachment 3. 5. I responded, by fax and priority mail in the late afternoon, XX/XX/XXXX, and the response was likely received between XX/XX/XXXX, XXXX. In my response I reiterated that I did not order, purchase, contract, or in any manner seek the services for which I was being charged {$4700.00}. Moreover, I informed Chase there was no description of the services alleged to be provided or available to me. Merchant nowhere in the documents describes the product purchased. The emails in the merchants response were undated and fake. 6. On several occasions, I stated to Chase I did not receive any services or merchandise from the merchant that relates in any manner to the XX/XX/XXXX charge ; that I am not receiving, nor have I ever received, or expect to receive, any services or merchandise from the merchant on the XX/XX/XXXX charge. 7. I also informed Chase on several occasions, I did not enter into any contracts, agreements, or otherwise, either oral or written, by telephone, computer, or mail, or in person, with the merchant concerning the XX/XX/XXXX transaction. I provided Chase with my cell, landline and Internet records for the time period in and around XX/XX/XXXX. 8. At XXXX XXXX, on XX/XX/XXXX, XXXX, the Chase representative denied my claim of an unauthorized charge indicating he spoke with the merchant and agreed with the merchant that I either received the services or the merchant made them available for use. Neither Chase nor the merchant identified the services supporting the charge. Attachment 4. 9. Chases XX/XX/XXXX denial stated it relied upon information available, which was exclusively the merchants response and XXXX telephone conversation with the merchant. The denial did not consider my response, which may not have even been delivered at that time. Attachment 2. 10. I informed Chase in my response and another submission I did not place any order, in any manner, using any device, with the merchant on XX/XX/XXXX, or at any time, in the amount of {$4700.00}. I offered to make this statement under oath and under penalty of perjury. 11. Since Chase was demanding I prove a negative ( i.e., that I never placed an order with the merchant ), I provided Chase, by email, on XX/XX/XXXX, with electronic copies of my cell and landline bills for the days around XX/XX/XXXX and a screenshot of my Sent Emails. I also stated I would authorize XXXX to release all my cell phone, landline and Internet records to establish I never had any contact with the merchant nor did I purchase any services from the merchant on XX/XX/XXXX, in the amount of {$4700.00}. 12. Other than the merchant 's unauthorized/fraudulent charge, neither merchant nor Chase has provided any documentation of proof of purchase, a description of the product or services purchased, how the product was purchased ( phone, internet, in-person ), or any contacts with the merchant to purchase the product. 13. It is believed that the billing agent for the merchant, XXXX XXXX, kept my credit card number which it somehow secured from a XX/XX/XXXX transaction with XXXX XXXX XXXX, and used my credit card, without my permission, in an unauthorized manner, to defraud me of {$4700.00} on XX/XX/XXXX. It appears XXXX XXXX owns or does billing for several companies. 14. Without an impartial review of my submissions, Chase is allowing the merchant to defraud me for {$4700.00}. Worse, neither Chase nor the merchant can explain what the merchant alleges I purchased, and there is no dated or electronic documentation to support the charge, other than the credit card charge submitted by XXXX XXXX XXXX but billed by XXXX XXXX. | ||||||
| 12/11/2017 | No |
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Web | |
| My complaint is about two out of three claims that were denied by the Chase Claims Department. As a background, my debit card was stolen on Friday, XX/XX/XXXX. Specifically that night my debit card, drivers license and cell phone were stolen. I did not realize that all three were stolen until the next day. Once I realized that they were missing I checked my Chase account online and noticed that there were fraudulent charges/transactions from the early morning that day. The fraudulent charges included {$1100.00} in unauthorized charges at various merchants throughout the Chicago-land area and three ATM withdrawals totaling {$900.00}. I immediately contacted Chase bank to have my debit card cancelled and to report the fraudulent charges. The Chase representative told me that she could cancel the debit card and issue a new one but that the claim process cant begin until all of the charges have officially posted to my bank account since they were still listed as pending in their system. I pressed the issue of beginning the claims process but she insisted that I would have to wait until the charges have officially posted to my account. I then had to wait until Tuesday, XX/XX/XXXX to begin the fraudulent claims process because the charges finally posted to my account. This was still technically the second business day since the fraudulent charges occurred as well. On Wednesday, XX/XX/XXXX I was notified that two out of my three claims were being denied. I requested the reasons why my claims were denied and I was told that there were four reasons. The main reason being that I did n't begin the claims process until three days after the fraudulent charges occurred. I told Chase 's Claims Department that I was initially mislead and given false information by a Chase representative who told me I would have to wait until the charges were officially posted to my bank account to file my claim but my response was ignored. The second reason was because the charges occurred in my geographical location. I pointed out that I reported the card stolen in my geographical location ( XXXX ) so it would make sense if the fraudulent charges occurred in the Chicago-land area. This point was also ignored. The third reason was because I had a pattern similar to that of the fraudulent transactions and withdrawals. I pointed out that I have only used my debit card for a merchant transaction once in the past year and that Ive never taken out more than {$120.00} in the past six months. This incident involved 12 merchant transactions in a short period of time ( couple of hours ) to merchants I have never used once before and three withdrawals totaling {$900.00} in less than a hour. This also included three over-draft occurrences, which I have never received in my entire history with Chase. I also pointed out that someone called into Chases customer service line and requested that my daily withdrawal limit be increased at approximately XXXX XXXX CT in the morning, right before the withdrawals occurred but this point was also ignored. Two or the withdrawals occurred at the Chase ATM within a couple of blocks from my apartment but I pointed out that this was most likely because the theft occurred close to home and the thief would have access to my address so they could have chose to initially choose a ATM close to home to not draw suspicion, this point was also ignored. The fourth reason was because no bad pin attempts were made. I told them that Im not sure how someone would be able to compromise my pin and asked if they could review the call that occurred by the thief that morning to see what was discussed during the call, they ignored this request as well. I also asked if they could review the chase ATM video surveillance tapes to see if they could find any evidence that could be useful for the police report I filed for the theft but they refused to help in any way and I was told it 's not their " responsibility '' to help. I provided Chase bank with a two page statement outlining my concerns with their investigation as well as the police report and call logs from my phone that was stolen that showed multiple calls being made to Chases customer service line during the time period of the fraudulent charges. After my claims were initially denied I immediately filed an appeal on XX/XX/XXXX. On XX/XX/XXXX my appeal was denied and I was given the original four reasons again for the denial. Honestly, I do n't think Chases Claims Department did a thorough investigation of my claims submission or the appeal. I called in multiple times throughout the process and was constantly having to re-explain what happened and correct false information that Chases Claims Specialist were giving me about my story. It felt as if Chases Claims Department saw it as their purgative to discredit my claims right away. The main reason I was given for the denial was because I did not officially file the claim until three days after the theft happened ( still technically the second business day ). Even after I repeatedly pointed out that this was due to a misleading statement by a Chase Representative when I initially reported my debit card stolen. In my entire time with Chase Bank I have never been late on a payment, over drafted my account or had any discrepancies what so ever. This whole incident left me feeling disrespected and that my claims investigation and concerns were not being taken seriously. I even referenced the Federal Electronic Fund Transfer Act ( EFT Act ) since this was a case of a stolen debit card and one of the Chase Claims Department Representatives quickly got irritated with this comment and said that the law doesnt apply to my stolen debit card claim. Im hoping that Chase can make things right for a loyal customer who is a victim of a debit card theft. | ||||||
| 07/28/2021 | Yes |
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Web | Older American |
| TO WHOM IT MAY CONCERN : My name is [ TEMPORARILY WITHHELD FOR PRIVACY CONCERS ]. I am a XXXX NY resident for 25 years. Presently, I am a retired senior with XXXX XXXX. I reside with my spouse, who is also XXXX, and we both live on a fixed income. My spouse [ TEMPORARILY WITHHELD FOR PRIVACY CONCERS ] -- and I each hold a checking account at the JP Morgan Chase Bank. Our retirement income payments are directly deposited to those accounts. I strongly believe that I must find justice and support in my dispute with the JP Morgan Chase Bank over the following incident : on XX/XX/2021 this financial institution impudently stole {$500.00} of my monthly retirement payment deposit, and attempted to steal another {$500.00} from my wifes Chase Bank account. On that date, the same amounts of {$500.00} each were electronically withdrawn from my wifes and my checking accounts by an unknown party. The withdrawals data indicates that these transactions took place at a XXXX XXXX and XXXX XXXX XXXX Branch of the Chase Bank ( XXXX XXXX XXXX XXXX, NY XXXX ; ( XXXX ) XXXX ). I must state that we never ever share our account information with any unauthorized parties or give away our Chase debit cards. Also, we DID NOT have our Chase debit cards ever misplaced or stolen from us. However, neither my spouse nor I myself had made these withdrawals. We were not at that branch on XX/XX/XXXX. We were not out of our home on that day. Neither one of us had any idea that the transactions in question were taking place. The bank did not warn us of any potentially unauthorized activity affecting our checking accounts. I noticed my checking accounts balance discrepancy on XX/XX/2021. On the same date I have spoken regarding this issue with a Chase Bank representative at the XXXX XXXX branch that I visit often. My spouse called this banks help line on XX/XX/2021 at XXXX XXXX ( XXXX ), and held a conversation with two telephone support representatives for about 41 minutes. In both cases, the Chase Bank representatives promised us to look into the missing funds issue. As an interim result of our complaints, the bank agreed to make a funds reversal ( XX/XX/2021 : Reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX Claim Id : [ TEMPORARILY WITHHELD ] ) in the amount of {$500.00} pending what they promised to be an investigation. My spouse received a similar funds reversal ( XX/XX/2021 : Reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX Claim Id : [ TEMPORARILY WITHHELD ] ) with a decisive promise of a thorough investigation. However, the bank committed a claim reversal transaction against my checking account by taking away the initially returned {$500.00} ( XX/XX/2021 : Claim reversal : ATM WITHDRAWAL [ TEMPORARILY WITHHELD ] XXXX Claim Id : [ TEMPORARILY WITHHELD ] ). Following this event I received a letter from the Chase Bank where it was stated that their investigation found no fault on the part of the bank, and also they were ready and able to provide me with documented, hard copy proof of their findings. But, please pay attention to this fact : the bank DID NOT perform a claim reversal operation against my wifes account. Therefore, somehow their investigation discovered that the sum of {$500.00} initially missing from my spouses account were evidentially a result of the banks fault. They did not send my wife any correspondence that would explain this decision of the banks investigators. So, although neither my wife nor I withdrew the sums of {$500.00} each, and neither one of us even left our residence at any time on XX/XX/2021 when this incident took place, the bank somehow found enough proof to punish me, but found no proof against my wife, while neither one of us has any relation to those unauthorized withdrawals. And for both of those transactions, the bank could provide any documented evidence. As a result of the bankers baseless and incoherent decision-making, I had to send three consecutive written requests to the Chase Bank using their own Secure Messaging system in which I clearly demanded from their party to send me those proof facts, evidence, and whatever else they could share with me regarding that investigation of theirs. They claimed being able to furnish such documents. The Chase Bank representatives responded to two out of three of my requests stating that they had actually mailed the proof, facts, and evidence to me. I did not receive any such correspondence or any proof of mailing of those documents, if they ever existed. I have given plenty of time and opportunity for the Chase Bank representatives to work this issue out, to fulfill any of their documented promises, and to treat me and my claim with respect. But it is obvious that the bank in question will not stoop so low as to bother helping their client in this situation that makes Chase Bank appear as a highly disreputable joint. This bank is well-known for making frequent errors at times involving thousands of their clients. Either a bunch of accounts balances suddenly become nullified, added or reduced ( XXXX : XXXX ). Or some Chase Bank client accidentally receives nearly a whole BILLION of dollars erroneously deposited by that bank ( https : XXXX ). Making a {$50.00} XXXX accounting error is no big deal, either : ( XXXX : XXXX ). Therefore, I believe that I deserve this injustice done to my family straightened out ; I want my {$500.00} to be returned to me. I want the representatives of Chase Bank to explain whether some of them have been covering an internal banking error or an actual fraudulent activity. Please, help me reach these goals that I very much deserve. Attached you may find copies of all case-related correspondence between me and the bank. Thank you for your kind attention. Sincerely and with best regards, Yours Truly. | ||||||
| 01/29/2023 | Yes |
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Web | |
| I am writing to you regarding delays in full reimbursement of funds stolen from XXXXXXXX XXXX XXXX at JP Morgan Chase Bank. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( certificate of filing number XXXX ) and also registered with the XXXX XXXX XXXX as a XXXX tax exempt organization ( XXXX XXXX ). XXXXXXXX XXXX XXXX focuses on XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX to XXXXXXXX XXXX internships for students attending XXXX XXXX. Some of our key projects include a {$41000.00} XXXX XXXX XXXX ( with ongoing maintenance and upgrades ) at XXXX XXXX XXXX, which provides free medical care to needy patients in rural area of XXXX XXXX in XXXX, as well as {$15000.00} on a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When XXXX hit, we also raised {$5900.00} to purchase and distribute PPE to doctors and nurses working in hospitals XXXX. Currently, we are working on our XXXX community solar project with XXXX XXXX, while also developing single family scale projects for solar power and clean water, the latter by condensing water vapor in the air using solar energy at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All the professionals and interns working with XXXX receive no financial compensation so we can maximize spend on projects tackling XXXX basic issues - electricity, clean water and cleanliness/biowaste - in developing countries as part of protecting the environment and also provide social development in the form of hands-on practical training on real world projects. Chronology of Events is as follows : XX/XX/XXXX. Email alert sent to XXXX XXXX XXXX XXXX at his email XXXX from JP Morgan Chase Bank NA ( henceforth referred to as Chase Bank ) regarding insufficient funds in XXXX, XXXX for business account ending in XXXX. XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX called Chase Business Customer Service about this issue. They transferred us to the Fraud Department. We advised the agent that {$24000.00} had been taken out of our business bank account ending in XXXX between XX/XX/XXXX and XX/XX/XXXX ( of this total, {$24000.00} was in the form of fraudulent transactions that cleared out our entire account balance on XX/XX/XXXX, plus another {$130.00} overdrawn amount before Chase bank froze the account for insufficient funds ). Chase bank also charged XXXX XXXX XXXX, an insufficient fund fee of {$34.00} on XX/XX/XXXX and XXXX XXXX XXXX service fee on XX/XX/XXXX when our balance had fallen from the original {$24000.00} balance back on XX/XX/XXXX to {$360.00} on XX/XX/XXXX ). XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX went to Chase Bank XXXX at XXXX XXXX XXXXXXXX XXXX to file a Disputed Transactions Questionnaire. Moreover, he opened a new bank account as the one ending in XXXX had been compromised. Moreover, the original bank account was also restricted with any credits being issued to the new bank account opened for XXXX and ending in XXXX. XX/XX/XXXX. XXXX XXXX, XXXX XXXX received email notification from Chase Bank that another Disputed Transaction Questionnaire needed to be filed for {$790.00} for XXXX transactions tied to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, and also {$0.00} for XXXX XXXX XXXX dated XX/XX/XXXX. XXXX XXXX visited the Chase Branch in XXXXXXXX XXXX later that XXXX where the bank representative printed out the document with details of these transactions. However, as the banks fax machine was not working, XXXX went to another Chase Branch in XXXX a XXXX XXXX later and they were able to fax the Disputed Transaction Questionnaire. XX/XX/XXXX. Chase Bank also sent XXXX email notifications informing us that {$9300.00} had been temporarily credited to our account for our claim ending in XXXX. XX/XX/XXXX. XXXX XXXX called the Fraud Department at Chase Bank to follow up after the holiday break and was advised that the investigations had been completed by the Fraud Department and they could only refund some of the fraudulent transactions. The bank representative also suggested that XXXX could try and call some of the other financial institutions directly to see if they could return our money. This is clearly in violation of Code of Federal Regulations. The Fraud Department representative referred XXXX to Chases Corporate office at XXXX XXXX XXXX which created a new case number XXXX. XX/XX/XXXX. XXXX XXXX received voicemail from XXXX that the fraud case had been reopened and the investigation was ongoing. XX/XX/XXXX and XX/XX/XXXX. We received email notifications from Chase Bank stating that our XXXX claims XXXX and XXXX had been finalized. Simultaneously, our business bank account at Chase showed a balance of XXXX from XXXX credits of {$9300.00} and {$790.00}. This means {$13000.00} of money stolen from our business account at Chase Bank ending in XXXX via fraudulent transactions that occurred from XX/XX/XXXX through XX/XX/XXXX had still not been refunded. XX/XX/XXXX. XXXX XXXX received another voicemail from XXXX stating that the investigation ( case number XXXX ) was still ongoing. XX/XX/XXXX. XXXX received another call from XXXX who stated the investigation still needs a XXXX XXXX XXXX We are a small non-profit, social and environmental organization and the delay in fully reimbursing money stolen from our business account is a crippling setback. This is all the more disconcerting given Chase Banks well publicized XXXX, XXXX and XXXX initiatives ( see https : //www.jpmorganchase.com/about/governance/esg ). We request your urgent assistance to bring this matter to a full and fair resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/19/2019 | Yes |
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Web | Older American |
| Chase and XXXX XXXX XXXX (pmt $XXXX) conspired and manfactured the evidences. That Chase by not cashed regular pmt of $XXXX and requests over pmt of $XXXX a month of $XXXX, and falisfied claimed that they paid my property tax and insurance. Which evidences that I made the pmts, also, sent the receipts to the Chase and requested to remove the Escrow Account. But Chase speeding the foreclosure without proper merit and causes, but by fraudulent the evidence and refused to remove the Escrow Account and falsfied my accounting to foreclose by illegal and immoral act.I received a loan mod via my lawyer at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. (SBN XXXX)XXXX XXXX XXXX. (SBN XXXX)XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXXTelephone: (XXXX) XXXXFacsimile: (XXXX) XXXXOn lateXX/XX/XXXX that the loan mod from Chase Bank offered on my property at XXXX XXXX XXXX XXXX XXXX, CA. and requestedi started making regular payments of $XXXX, i send in the payment ofXX/XX/XXXX of $XXXX per instruction by Chase Bank. But my payment returned cited that i need to pay $XXXX instead to cover my insurance and property tax, i refused to have Chase involving inmy personal financial business, and repeatedly told Chase Bank thatI will pay my own property tax and insurance. Chase threaten me thatif i don't pay the amount demanded, that my property will be up forforeclosure again. which my property was under the foreclosure sinceXXXX, when the Bank Bail Out, that Chase Bank insisted that i need todefault my monthly loan payment in order for a re-finance or loan-modI repeatedly requested. After 6 month, that Chase still refused toaccepting my requests. i finally had no option but defaulted my loanto allowed apply a loan-mod or re-finance. It was a national scam by the banks to wipe out the middle-class's properties cross the states.Every since our life down the spiral to the hell never returned. SoI was very scared when Chase Bank threaten to foreclosed my propertyagain. I started make Chase Bank demanded payment of $XXXX v. my original scheduled payment of $XXXX, which is $XXXX extra each month for total of 14 month from XX/XX/XXXX thru XX/XX/XXXX and Total of $XXXX over payments. At the same time, i always asking Chase Bank removed the EscrowAccount which I never agreed to beginning with. Chase asked meput in writing, i did in XX/XX/XXXX, Chase acknowledged my letterbut refused to make any changes, even Chase made aware byI sent Chase the payment of my property taxes. XX/XX/XXXX I paid 1st property tax of $XXXX and XX/XX/XXXX I paid 2nd property tax of $XXXX My insurance XXXX and I also, separately sent the insurance policy to Chase Bank:Policy number: XXXX from XX/XX/XXXX to XX/XX/XXXX $XXXXPolicy number: XXXX from XX/XX/XXXX to XX/XX/XXXX $XXXXSo Chase didn't pay my property tax and insurance butcharges me excessive extra $XXXX a month to cover the tax andinsurance they didn't pay. Chase refused remove my escrow account, and keeping asked me still paying the extra $XXXX amonth according to their agents, every single phone calls thati am in default to have my home foreclosed, that the paymentis not sufficient to cover the property tax and insurance, andfraudulent my monthly mortgage statements. On XX/XX/XXXX statement there were $XXXX pmt due on XX/XX/XXXX. Which i owe0. I continue making the proper monthly scheduled payment of $XXXXeach month from XX/XX/XXXX until present. However, Chase stopped cashed my check dated XX/XX/XXXX check #XXXX, and also, the check # XXXX for XX/XX/XXXX pmt also, not cashed. And starting threaten for foreclosure. When i called on XX/XX/XXXX accused them offrame me and purposed not cashed my checks. They transferred meto many agents that I was on the phone for the whole afternoon until XXXX rushed to Chase Local Bank made 3 pmts.Eventually the last agent told me that i need to make 3 month pmts, and allowed me pay in the local Chase bank this time. I immediately cut 3 Cashier's check of $XXXX each for total of $XXXX and flew to the Chase Branch Bank made the pmts. I starting make monthly loan payment faithfully as always, nevermissing one pmt ever, by knowing that i am targeted for the lucreequity of my home in California . That every bank tried to robHomeowner's highly yeast equity for illegal and immoral profiting.So i am extra alert not provides any vehicle for the Chase illegalforeclosed on me. But Chase has different agenda and motive as always, on XX/XX/XXXX i again first went to the Chase Local Bank making pmt, teller said they can't accept my pmt, I then called the customer service XXXXand was told that my home is up for foreclosure, or 1). I can make$XXXX of short pmt. 2). I Can pay off my loan. 3). i can pay outmy deferred principal balance of $XXXX V. statement statedamount of $XXXX. I answered that Chase set me up and framed me for illegal foreclose. And Chase didn't pay me tax and Insurance.Every agents I talk to always insisted that Chase paid my tax and insurance by lying. I asked provide the proof, they transferred me toChase Insurance Dept, and the agent can't fine any record, so he set a conference with XXXX agent name XXXX, XXXX and Chase agent was told that the insurance were paid by me, and also, immediately emailed me both the policies for XXXX and XXXX declarations. I also, asked proof of my tax pmts falsified claimed paid by Chase, they never provided me any proof. On XX/XX/XXXX I registered mail the XX/XX/XXXX pmt check #XXXX amount of $XXXX to: overnight payment: Chase, XXXX XXXX XXXX XXXX XXXX XXXX, Attn: XXXX XXXX, XXXX, KY XXXX.But the payment returned by Chase, and at the same time I receivedPOSTING at door registered mails, mailed, phone calls threaten for falsified foreclose from Chase, and was told that Chase is proceeding for the foreclosure. | ||||||
| 10/17/2023 | Yes |
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| On XXXX, XX/XX/2023 I received an e-mail from Chase asking if a purchase for {$8900.00} was made, by me, for a purchase from a merchant listed as XXXX XXXX XXXX XXXX. I responded by selecting the link " No, something's wrong. '' Upon reviewing my credit card statement that day, I found additional unauthorized charges for a second vendor ( XXXX XXXX, or similar ) .I spoke with Chase XXXX my credit card was closed, and the charges were removed. Approximately 1 month later, the charge of {$8900.00} was re-charged to my replacement credit card with Chase. It is worth noting that the other unauthorized charges have been identified as fraudulent, which shows that Chase agrees that my card was compromised. On XX/XX/2023, I started an independent investigation into the charge which continues to this day. On this day, I was told by a representative from Chase XXXX XXXX XXXX XXXX that the purchase was for XXXX bottles of XXXX the XXXX cognac and that the billing address matched my billing address. The Chase XXXX Department representative stated that I would need to provide " documentation '' to show that I did not make the purchase. They suggested I reach out to the vendor, XXXX XXXX XXXX. I began researching the company who sold the liquor and contacted them to obtain a tracking number. I was never able to get ahold of anyone at XXXX XXXX XXXX, despite several e-mails and phone calls to the contact info listed on their website. To this day, I have never received a reply phone call or e-mail. Also on XX/XX/2023, I reported the unauthorized pruchase to my local police department and a case was opened. A case number was provided to me which I relayed to a representative at Chase XXXX XXXX. Later that week, I spoke to a supervisor with the Chase XXXX XXXX team. XXXX describing the case, the supervisor laughed. She said that she " found something new '' and would re-open the investigation. Several days later, I recveived notification that I was repsonsible for the charge. On or around XX/XX/2023, I spoke with a supervisor in with the Chase XXXX XXXX team who indicated that the liquor was delivered to a XXXX store in XXXX, VT, which is near my home address. I was provided the XXXX tracking number and verified that the item was picked up on XX/XX/2023. The Chase XXXX XXXX stated that ID was provided at the item was picked up ( this was later found to be untrue when teh polic reviewed video of the transaction ). Also, the supervisor stated that the e-mail address used for the purchase was " one letter different '' than my actual e-mail address, but he did not share what the e-mail address was. I never received an e-mail form XXXX XXXX XXXX about the purchase. On XX/XX/2023, I contacted the police again and shared the tracking number and the time the package was picked up at XXXX. The police obtained surveillance video form XXXX showing that I did not pick up the shipment. On XX/XX/2023, I called chase and provided them contact information for a sergeant at the police department who was investigating the case by Chase failed to get in touch with the investigating XXXX. On XX/XX/2023, I went to the police department and sat down with the investigating detective to call Chase together. We called the XXXX XXXX department. The representative tried to connect us with the " right person '' to talk to, but the person was not available. The representative instructed us to send the police report to a fraud recovery e-mail address. The representative also stated that it woudl take XXXX business days to review the case. The report was sent by the detective and we received confirmation of its receipt. The report includes a still of the surveillance video that is clearly not me. Further, the police stated that the person never provided ID. On XX/XX/2023, I followed up with Chase and was told that the case was under investigation. I was told they woudl clall me back and shared that I was avialabel all day on Thursday and Friday to resolve the matter. On XX/XX/2023, I was able to speak again to a supervisor of the CHase XXXX XXXX XXXX. This person said that the police report was missing an appropriate cover page and requested that a new police report be provided. I contacted the police and they said that a new report would be sent in the afternoon. I am awaiting the outcome, but I have very limited hope or energy left that this will be resolved. My complaint can be summarized in three parts : ( 1 ) Upon receiving the initial e-mail asking about the charge, I made Chase aware that it was fraudulent ; ( 2 ) Chase has accepted that otehr charges at this time were fraudulent, but continues to pressure me about a {$9000.00} purchase for two bottles of liqour -- it woudl be hard to invent a more absurd example of credit card fraud ; ( 3 ) The representatives at Chase 's Fraud Recovery are exceptional at dodging and ensuring that I do not speak with anyone who has information to share about the case. There is no way to move from speaking with a Chase Recovery representative to supervisor and each time I speak to someone new who knows nothing about the case. I have found a back channel to get ahold of a supervisor, but it requires speaking with several Chase representatives and long wait times ( 30 minutes, minimum ) ; ( 4 ) An e-mail address with " one letter different '' is still a different e-mail address that was clearly created by the person committing the crime ; ( 5 ) The police have verified that I did not pick up the packages. I paid the charge after my credit score already dropped over XXXX pts for carrying a high balance and did not want to deal with late fees, etc, associated with this charge. I await justice and reimbursement and stand completely baffled by Chase 's handling of this entire process. | ||||||
| 04/20/2020 | Yes |
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| On XX/XX/XXXX I filed a complaint here about you claiming that you guys have discriminated against me because you will not allow me to keep any of my accounts open with you no matter what, and that you never will give me any reason as to why. Then you send me a reply stating that in your terms and conditions it states tat you can close an account at any time for any reason and are not required to tell me why. That may very well be true but there are still laws et in place against financial institutions just doing whatever they want and not ever giving any body any reason as to why they did something ; as is the case here with me. So I try again and You open the account up only to find it closed within a few days, again with no explanation why. The explanations that you send me are complete lies because they do nothing but contradict yourself left and right. I will attach proof of all of this. I attempted to open my account with you on XX/XX/XXXX, and it was opened, and then three days later it was closed, and the only thing that I did was deposit money into this account. A week later I get two letters from you. The first letter thanked my for opening an account and that you had opened a secured account for me rather than a regular account, which was completely fine, then I get another letter the very next day dated XX/XX/XXXX as well stating that my account has been closed and that I can no longer use my accounts and that nothing will work as of a few days from when I had received this letter. SO then I call the number on the letter and nobody will tell me anything other than it will close and that's that! No reason, no explanation, nothing. That's when I had filed my first complaint about you here, and got nowhere with that either because you still won't tell me what the issue is. And from what it sounds like you never will. I tried two more times after this to open an account, and it opens initially only for it to be closed again in the same fashion as the one that I just explained before had. The one dated XX/XX/XXXX however was one big contradiction from you because I receive a letter dated on XX/XX/XXXX telling me that my account was blocked and that it will close and that's that. The issue with your letter as you will see is that the reason that it was blocked was due to recent activity or because I didn't provide the information that was requested from you. That's a huge lie. All of it. Because ( A ) there had been NO ACTIVITY on that account since the day it was opened-nothing, and ( B ) you never requested ANY INFORMATION from me at all-nothing. SO when I call the number on the letter, they tell me absolutely nothing, won't give me a valid reason why it was closed ; in fact I get no reason at all, and then that was it. So how can you sit there and tell me lies and then put it on paper and send it to me? SO here you contradict yourself once again for this same situation because on XXXX the XXXX, I receive another letter for the same account, however, this letter was dated two days later than the XX/XX/XXXX letter telling me that my account is closing. This letter states that you couldn't open my account because you couldn't verify my identity. Iyt also told me that you used experian to verify my info. Funny thing is is that my info. on the application was exactly the same info as what XXXX has on file-otherwise the computer wouldn't have opened the account in the first place online. I know this to be factual because I have the date of the soft credit inquiry that was pulled and it predates this letter. In fact the date was the same date that the account was opened online. SO MY INFO WAS VERIFIED. END OF STORY. I then try this again last week on XX/XX/XXXX only to have it shut down two days later and the only activity on this account was me going into the branch and making a cash deposit with the teller. He asked me for my Identification and so I handed it to him and the deposit was made. However, my account gets shut down once again the very next day and with no explanation at all. I called the number that was on the website when I attempted to log into the online banking and I was told to go into the branch with two forms of id and everything should be resolved. SHe couldn't tell me why it was blocked to begin with. So I did exactly that and I sat down with a banker and she pulled up my account only to tell me that it was closed on XX/XX/XXXX and there was no reason or explanation why it was closed to begin with. She did tell me something that was very interesting however, which is why I am filing this complaint right now. She said that my profile has a restriction placed on it so that every time I try to open an account, it will eventually be closed. What the XXXX??? So this is the real underlying reason why all of this has been going on. Instead you send me a bunch of XXXX. letters with lies printed on them and every other reason you can come up with at the time, but you fail to tell me why and who had placed this indefinite restriction under my name, and why. This is discrimination. I want the Consumer Financial Protection Bureau to see and read this and the Federal Trade Commission as well. What you are doing is wrong, and very unethical, and you are discriminating against me for no reason, and if there is a reason you wont tell me why, in fact you refuse to tell me why, and then you turn around and tell me another line of XXXX and then go and hide behind your terms and conditions. We will see how your terms and conditions will hold up in front of a jury trial when I take you to court because that's exactly what's going to happen if this does not get resolved with this complaint that I am filing right now. This is your last chance to make things right before it goes to court Chase. | ||||||
| 08/07/2019 | Yes |
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| On XX/XX/XXXX I had my bank XXXX XXXX wire {$17000.00} to a Chase Bank customer XXXX XXXX XXXX. On XX/XX/XXXX unbeknownst to XXXX XXXX XXXX at XXXX she received a check and deposited into her Chase account on the same day that my wire was sent. During this time as I waited for XXXX to receive the funds behind the scenes Chase Fraud department had realized that the check XXXX received was fraudulent. Chase giving XXXX the run around telling her that the check was fraudulent and that they would see how they could enable her to receive the wire I sent. Chase intimated to XXXX that they would close out her account as a result of the fraudulent check and will issue her a check with whatever balance she had along with my wired funds. XXXX informed our colleague that she of the above as we waited for XXXX to receive the check issued by Chase to close out her account. Tick tock!!! tick tock!!!! fast forward On XX/XX/XXXX one of my business colleagues provided the Chase bank contact information of whom to speak to about this situation that has now become a runaway train. XXXX XXXX Personal Banker Officer. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX XXXX XXXX Service line : XXXX XXXX XXXX Email : XXXX In calling on XX/XX/XXXX I was informed Mrs. XXXX would be out of the office for the rest of the week. I then inquired if there was a branch manager I could speak to and was advised she was with a client. A message was taken and the banker told me that the message would be given to Mrs. XXXX XXXX. Note all during this time I remained in contact with Mrs. XXXX by emailing her on the following days XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XXXX, XXXX, and XXXX for updates and or disposition on the return of my funds or the issuance of the check. Inquiring about the status of the check, accuracy of information provided regarding the closure of account, issuance or processing of check and anticipated delivery arrival time. All to which I did not ever receive any response to my emails. On XX/XX/XXXX I called Chase bank again speaking to XXXX and she informed me that the recipients account had been closed due to her receiving a fraudulent check and a check has been processed closing out her account with whatever balance she had in her account and the check would include my wire transfer. XXXX also stated the wire had been returned to XXXX XXXX and XXXX XXXX resent the wire back XX/XX/XXXX. Which in checking with XXXX XXXX they did no such thing since I did not advise them to take any action. ( an untruth ) XXXX also informed me that since the check had already been processed the wait time was half way over ( 5-10 business days ) leaving one more week to go before the recipient would receive the check. ( an untruth ) On XXXX I emailed Chase branch Manager XXXX XXXX that the recipient has yet to receive her check. I called on XX/XX/XXXX and was informed XXXX was out of the office and will return on XX/XX/XXXX. I left a message with XXXX. On XX/XX/XXXX I called Chase and XXXX answered. I informed her that the check had still not been received and she informed me that the processing of the check on XXXX ( when she had already told me was issued ) had been interrupted because my bank issued a recall on XX/XX/XXXX again my bank did no such thing.. XXXX informed me that since my bank did a recall the processing of the check was halted and I will now have to have my bank recall the funds. Wait if we did the recall as she alleged then why am I still calling about getting my money back here it is XX/XX/XXXX. While Chase was on the call on XX/XX/XXXX I walked into XXXX XXXX to the person whom I have been dealing with all along XXXX XXXX ( who sent the initial wire ) before emailing me to request the recipients DOB and phone number and address ( then XXXX XXXX XXXX who finalized the wire ). I informed XXXX that I had Chase bank on my cell and it was on speaker and they needed to resolve this. XXXX contacted his wire department XXXX XXXX ( Branch Manager ) for directions / instructions on how to recall the wire. He spoke to XXXX advising her XXXX XXXX will recall the wire today XX/XX/XXXX. Now in addition to all of this XXXX had previously been informed that as a result of the fraudulent check coming in at the same time as my wire the final or end result was Chase closing the account and allegedly issuing a check to the recipient. As a banker why didnt XXXX inquire of XXXX the Chase banker if the account is closed what kind of problems if any will XXXX XXXX incur. That million dollar question was not posed. So later that day after making the attempt to recall the funds, I received an email from XXXX XXXX XXXX advising me that that they could not recall the funds because the Chase account is closed. And in the email from XXXX XXXX XXXX I was told there was nothing more XXXX XXXX could do and I needed to sort it out with Chase. Really??? Arent you my bank On XX/XX/XXXX I contacted Chase XXXX XXXX and was told by her she has done all she could and has spent several days and hours attempting to resolve this issue and it is up to XXXX XXXX to resolve the matter as she has done all she can. In addition XXXX stated that she had not responded to any of my emails since she is limited to what she could say in them since I am not a customer of Chase Bank. I suspected that, however, at best I hoped she would surely have addressed the issues and concerns contained within. Now mind you I believe due to wiring funds to a customer of Chase who I believed was in good standing, I am an indirect customer of Chase. To date this issue has lingered on 26 days and counting and is in truth no way for either bank to conduct business with XXXX. To say nothing of either bank wanting to assist me in recalling my wire transfer. | ||||||
| 02/11/2020 | Yes |
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| Called chase bank to ask if I can open a business account ( I have a personal account with them ) The person on the phone told me that I need an appointment if i want them to help me with anything regarding accounts. I ask her if I came in one day and she was not busy will she help me she stated no she would not help me if I dont have an appointment. I asked if I can verify what she had said, then she interrupted and said Im done talking and hang up. I drove to XXXX chase bank to get this persons name to file a complaint. When I got into the bank they ask if they can help me. I told them Im here to file a complaint. I needed to talk to a store manager. She then told me she was the store manager. I say I want to file a complaint on somebody I had talk on the phone a minute ago and she said it was her. I told her she hung up on me. In front of all customer and employee there she stated no I did not you are lying. I said I didnt drive there just to lie. I told her I needed to talk to somebody higher than her she said theres nobody. Then I ask for her name so that I can file the complaint she wrote on the paper XXXX. I said I need your last name also. As a store manager she should know to give me that in the first place. I then ask her is there store number not phone number. store number she said no also she quote you drove yourself here you should know where we are at. Then I replied I dont live in XXXX.But I wasnt asking her for the address. Then I ask her can I verified what you said on the phone that you will not help me even if youre not busy unless I have an appointment. She then start fussing at me and wouldnt let me talk. I then fold my hands together and beg please please can we please stop bickering n let me talk please. I then asked did you tell me on the phone again you will not help me even if you were free unless I have an appointment. At that one second she pick up the phone and said if you dont leave I will call the police on you. I was frighten and it made me feel threaten. By that statement. Not because of the police but because I felt like she was using her authority on me and also I am XXXX she think I will be afraid when she say if you dont leave I will call the police. She was trying to threaten me. Which made me feel very discriminated against. She never had called the police. I then told her please call the police please call the police I want you to call the police. She then put her phone down and say you got to leave leave now. I then followed her out to the door I did not resist I follow her straight to the door to exit. Before we left I said how come you dont call the police I wanted you to call the police. She yelled get out get out. And then turn around and called her a couple of unfriendly names n walk out the door. She then followed me out to my car and got my license plate. I was feared that if I drove off and the police will look for me and what if she would cone to my house. then i my self called the police. I told the police I need the police to come because I am threatened by a Chase employee. The police came talk to me then went inside and talk to them for some reason came out got my drivers license and information went in and gave the employee and the security guard my house address. So that they can write up a paper saying that its a global warning that I can not trespass any chase property in the whole world. Which is very unbelievable to me. I called Chase customer service and file a complaint with the senior supervisor about the situation they told me they will look into it n file a complaint. I asked him can I still going to chase bank after what they have told me they said yes you can. The next day I called chase customer service again and ask can I go into bank. They told me yes I can which I went to a different location.I walk into the bank another person told me Ill need to leave because Im trespassing and then another employee came out and said she need to close my account because of this no trespassing paper issued. I then told her I dont think you want to do that because I already called in to report an investigation you should not close my account until the investigation is over with so I will not feel like I am being discriminated against. Because of Chase choosing their employee over the customer. You can not close someones account when you dont know the facts yet. She say then OK. I then call Chase again and told them what had just happened and how humiliating I was in that bank Because of that no trust passing paper that branch manager and security guard has issued. They had sent my complaint to the executive of Chase. That person told me she was the highest of highs and now the complaint is in their hand they will take care of this. I told them I dont want my account close until the investigation is over if you want me to close my account I would do it myself after the investigation but no one should close my account when you do not know the truth is. I told her everything is on camera because it is in the bank all bank should have recording. She told me the account is on restriction no one can do anything until further investigation. And she will call and let me know. Well I just received a letter today four to five days after I have talk to her. A letter from Chase stating that they are to close my account and it is being close. I feel like Im being harassed, discriminated and emotionally distressed because of this. Attachment that I have sent with this is the paper that says no trespassing in any chase property which was written by a store manager which I came to complaint about XXXX XXXX. How can a person I came to complain about put a restriction on me. Is there still even law in this country or you cant complain when somebody do wrong. | ||||||
| 07/13/2021 | Yes |
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| XX/XX/XXXX Secure message from me to Chase : On XX/XX/XXXX, I placed a stop payment on the {$16000.00} pending transaction that I see reflected as Pending of today. Why is this in pending status and not just stopped like the 'stop payment ' is intended to stop the money from hitting my available dollars? XX/XX/XXXX Chase response : XXXX, we regret the circumstances that prompted you to contact us. After reviewing your account, our records show that the stop payment that you requested was for {$16000.00}. However, we identified the {$16000.00} transaction that's pending to your account ending in XXXX on XX/XX/XXXX. It's an automatic payment set up directly through JPM CHASE XXXX using your routing and account number. Before placing a stop payment, we asked you to provide the specific dollar amount of the payment. If you're not sure of the amount, provide a dollar range as narrow as possible to the amount for the stop payment. - We will stop and reject all payments that fall into the dollar range provided for manual review regardless of the payee name. - Check your account to see if JPM CHASE XXXX debited your account using a different name. The following guidelines apply : - If we receive your stop payment request a reasonable time before we pay the transaction, and we have the correct amount and correct payee 's name, then the item won't be paid. - We may charge a {$30.00} fee to place the stop payment. - After the stop payment is in place, if you find that the company is debiting your account for a different amount or under a different name, just let us know and we'll place a stop payment for that also. XX/XX/XXXX Secure message from me to Chase : Your response is quite lengthy and unnecessarily confusing. I'm telling you the dollar amount was slightly different, but the name was exact the same. I called and learned that the two criteria is dollar amount OR name and that stop payment I applied and paid you {$30.00} already will stop that payment because the name is correct. Can you confirm this? If not then direct this message to whoever reviews pending payments and stop this $ from being debited. Thanks. XX/XX/XXXX Chase Response : I will be glad to review the account for the stop payment. I regret that our previous response was confusing ; it was not our intention to do so. I see that the transaction of {$16000.00} has posted to the account and we are unable to stop this payment. We regret the inconvenience caused. Here is what we can do now. We can dispute this transaction for you. In order to better assist you with the dispute, please call our Customer Claims Department at XXXX ; we accept operator relay calls. While we can handle most inquiries by email, some require the expertise of another team. You'll need to provide : - Account or card number - Date and dollar amount of the transaction - Merchant 's name - Any other information you have about the transaction XXXX, for your future reference, to place a stop payment, we need you to provide the name of the company and the amount or range of amounts you want to stop, and we'll put the stop payment on all the names you give us. If you're not sure of the amount, provide a dollar range as narrow as possible to the amount for the stop payment. Thank you for being a Chase customer. XX/XX/XXXX Secure message from me to Chase : Customer Claims Department at XXXX opens at XXXX but is obviously having terrible phone issues. I called and my husband called at least a dozen times. Got through 4 times, each time with at least a 15-30 minute hold time and received 4 different next step action items for us to take but kept getting disconnected. Finally went to the branch and XXXX ( finally someone who seemed to take accountability as a true customer service provider ) and we filled out the dispute transaction form but none of us knew next steps. XXXX called claims and held for nearly 30 minutes while I also called Claims from my phone and held for about 20 minutes. I got through first, got a guy on the phone who asked for my claim #!!! What? I dont know if I even have a claim so I told him the whole story again and got disconnected. XXXX got through to someone named, XXXX who said to fax the form to claims in XXXX XXXX and that we would receive a {$16000.00} credit within 12 hours then their research would continue for 5-10 days. By now, everyone has heard that I have zero money to buy groceries, gas, anything and that this is completely dire for us. Here we are almost 24 hours later and no credit. I confirmed that by midnight Saturday XX/XX/XXXX that I would be issued credit and she said YES. That didn't happen and I still can't buy groceries or anything. Unacceptable. I need the {$16000.00} credited now. Someone call me today. XX/XX/XXXX : I called Customer Claims Department at XXXX and spoke to XXXX who confirmed there was no way this would be resolved on a Saturday. She also confirmed the approvals for credit was pending as of XXXX today. XX/XX/XXXX : I called Customer Claims Department at XXXX XXXX spoke to a guy who said the approvals for credit was approved as of XXXX and during the call I saw the credit. YAY! Asked him to credit me the {$30.00} stop payment fee that obviously didnt work XXXX he transferred me to XXXX : Here is the complaint : XXXX ( phone call transaction XXXX ) who was completely rude and said she requested a courtesy one-time {$30.00} fee reversal which is my problem and the intent of this message. I explained this is a bank error and she said I could call back to re-request a bank error {$30.00} fee reversal. I re-explained the mess above and asked her to take accountability and listen to the customer and then asked for her manager and she hung up on me. Unacceptable after how nice I have been through all of this. | ||||||
| 03/26/2018 | Yes |
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| My dispute is with the XXXX XXXX Mastercard ( XXXX ) managed by Chase/JP Morgan. On or about XX/XX/XXXX, I've received an email from /XXXX XXXX indicating that " due to lack of activity on my XXXX XXXX account '' I will be forfeiting all my rewards points as of XX/XX/XXXX. I contacted JP Morgan Chase by telephone and they clearly indicated to me that the fact that I've renewed my XXXX XXXX credit card was sufficient enough to maintain my active status. This conversation was further followed by me and indeed this is what the XXXX XXXX stated -- -- herein enclosed -- -- Points expiration : The points transferred to your Rapid Rewards account wont expire as long as your card account is open or you have flight-earning or XXXX XXXX partner-earning activity at least once every 24 months. If your card account is closed, the points in your Rapid Rewards account will expire if there isnt flight-earning or XXXX XXXX partner-earning activity at least once every 24 months. Losing points : Youll immediately lose all points that havent been transferred to XXXX XXXX if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement Points Don't Expire, Unlimited Reward Seats, and No Blackout Dates Points dont expire : The points transferred to your Rapid Rewards account wont expire as long as your card is open or you have flight-earning or partner-earning activity at least once every 24 months. If your card account is closed, the points in your Rapid Rewards account will expire if there isnt flight-earning or XXXX XXXX partner-earning activity at least once every 24 months. No blackout dates and unlimited reward seats apply to flights booked with points. I would like to emphasize the second and third line on the last paragraph as it was published -- -- ( " points won't expire -- -- -etc, etc ) -- - I've noticed that my account was XXXX balanced after XX/XX/XXXX while I had over XXXX reward points that vanished. Thereafter I became the " ping pong '' ball between the bank and the airline, sending me back and forth with each side arguing something different. Here is one of the responses from XXXX XXXX -- -- /As you can clearly see, I argue the point in the reward program that my account was active due to the fact that my bank credit card was active and I've paid the renewal fee. Dear XXXX, Thank you for your email. As a Rapid Rewards Member since 1999, your satisfaction is paramount. We appreciate the chance to respond. We are so sorry for any confusion regarding your Rapid Rewards Account. Please allow me to explain, Rapid Rewards Points dont expire as long as there is earning activity in your account within 24 months, and we make this information available in your XXXX account. According to our records, your last earning activity was on XX/XX/XXXX. As such, your Rapid Rewards account was marked inactive and any points in your account were forfeited. While we cant reinstate forfeited points, your account will be reactivated when qualifying flight or Partner points are earned. Nevertheless, we regret any disappointment in this regard. That said, the relationship between XXXX XXXX and Chase is quite unique in that Chase is the actual issuer of the Rapid Rewards Credit Card. This means that Chase processes the applications, issues the credit cards, and handles all account matters associated with the Rapid Rewards Visa card. XXXX XXXX, through Rapid Rewards, maintains the flight points earned from purchases on the XXXX card only. Customer application approval, service charges, new member bonus offers, etc. are determined by Chase. Please contact them directly at XXXX for assistance with your card activity. We appreciate your business and loyalty. We truly hope to share the skies with you for many years to come. Sincerely, XXXX XXXX, XXXX XXXX The file reference number for your email isXXXX. Finally, an additional response on XX/XX/XXXX indicating that they would not address this issue further. -- -- Dear XXXX , We received your follow-up email and appreciate your taking the time to contact us again. I welcome this additional opportunity to respond to your concerns. We are sorry to learn that you remain disappointed with our Rapid Rewards Program, especially if you have contacted Chase and XXXX XXXX on more than one occasion. As I previously mentioned when we spoke by phone on XX/XX/XXXX, Rapid Rewards Points dont expire as long as there is qualifying earning activity in your account within 24 months. Per our Rapid Rewards terms and conditions, Qualifying Activity means ( a ) points earned from flights booked through XXXX XXXX, ( b ) points earned from our Rapid Rewards Partners and posted to Members account prior to the expiration date, ( c ) points purchased through XXXX, and ( d ) gifted/transferred/donated points received and claimed by the recipient. Gifted/Transferred/Donated points are a Qualifying Activity for the recipient only. The act of opening or owning a XXXX Credit Card is not considered qualifying earning activity. Nobody likes to lean in the Customers favor more than XXXX XXXX. It truly saddens me that we are not able to honor your request to reinstate your points on this occasion. Our Rapid Rewards Program must be upheld in order to maintain the integrity of our fare rules, and I am deeply sorry that we have disappointed you. At this point, we will be unable to respond to any further correspondence on the issue. Your patronage and friendship mean the world to us. We know you have a choice when you fly, and we hope you will continue to choose XXXX. Sincerely, XXXX XXXX, XXXX XXXX The file reference number for your email is XXXX. | ||||||
| 12/07/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMorgan Chase Bank & BAL. {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/03/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 07/21/2021 | Yes |
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| Long Time Customer of Chase almost 30yrs but in XX/XX/XXXX I had to open a new checking account and take my name off my old account of almost 25 yrs leaving it to My soon to be X-Wife at Chase Bank. This was due to my soon to be X-Wife having a significant other and threating to gut the checking account. I went in person to the branch Location at XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX XXXX XXXX XXXX XXXX. A young man I believe his name was XXXX helped me with the process. I told him what I needed to do and said, No Problem He turned the screen around and walked me through it showing me the process. My name was taken off the account that I shared with my soon to be X-Wife and the new account was open only in my name. I asked him about my equity loan, Chase Freedom Card which had never been used by me or anyone to my knowledge to this point. My XXXX XXXX Card was only used on XXXX. He said, not to worry they transfer into the new account Yes the credit card account numbers did transfer to my new account but the credit card account numbers also stayed on my old account as well. This is Chases Fault my credit cards on my old account that I just took my name off of shouldve been deleted. And only be on my new account. This is where it get ridiculous in a bad way for me. The Chase Freedom Card from my old account ending in XXXX was Only in My Name Only, as well as the XXXX XXXX Card. I left my house in middle of XX/XX/XXXX for about 4 months. The divorce was filed in XX/XX/XXXX. Legally separated. I found out from Chase Fraud who contacted me in XX/XX/XXXX that someone was adding their name to my cards then charging to them then going back and removing their name from my old account .This was done enough that it raised a red flag for them to call me. They asked me did I want to proceed with a fraud case and I said, yes. They canceled the cards issusing me a new XXXX XXXX Card that I did want and I did activate it but the New Chase Freedom Card I Never Activated. I found out in XXXX that my soon to be X-Wife was the culprit she added her name online and then let her attorney charge to the Chase Freedom Card she then took her name back off. She made a payment from my old account Chase Freedom Card ending in XXXX in XXXX showing that she knew what she was doing and owning up to it. The way I found out she made this payment was from th e Chase Freedom Card overlapping into my New Account. Since she had full access to my cards that were suppose to be taken off from my old account that no longer had my name on on this account Chase left me wide open and Unprotected from her doing this. She would act like she was me in my old Online Account that she had control of. She would go to each card under Account Services that would bring up options for each card. Well low and behold one of the options was Add Authorize User! This is how she got away with it. Identifty theft or fraud its both if you ask me, But Chase Left me wide Open for her to do this. They did not protect a long time customer from a devious conniving person. Now it is the end of XXXX and Chase has turned their back on me trying to take the easy way out and not seek the real culprit of all of this which XXXX XXXX XXXX or XXXX XXXX XXXX she uses alias I found out from a background check. Chase should hold her responsible for her actions and I would be more than Happy to file charges on her. I found out she has had history of this even before me even arrested twice, but at that time I guess love is XXXX as they say. My New Chase Freedom Card ending in XXXX That I Never Activated on my new account that I had cut up Was activated by someone in Chase and my Soon to be X-Wife attorney fees were put on this card from the old card ending in XXXX. I talked to several people at Chase but the main ones that stood out were XXXX ( supervisor ) XXXX in recovery several times. She did not care all she told me was that I would have to pay the amount. I was as nice as possible to her and explained the situation, but she still didnt care. I was getting frustrated. She even admitted that XXXX did put her name on the card and then took her name off after the charges were put on but still told me to pay the charges. I told her Im not going to pay for a charge that was illegally unauthorized by me. I have no problem if I had made the charge I would pay, but not for her attorney fees use a little sense here. I know all of this is on recordings for my account and I would like for them to be reviewed. The other uncaring person I talked to was in Branch Escalations her name was : XXXX, XXXX, M My case number # XXXX she was like XXXX telling me I wouldve to pay and there was no way out. I told her I wasnt going to pay for my soon to be X-wifes unauthorize attorney fees. I feel like Chase really needs to retrain some of their people to really understand their duties to the fullest not just going through the motions of their titles. To really seek the truth because its all right in Chases System under each account its right before their finger tips. To also be more understanding to their long time customers. The one Bright Spot in All of this is my Branch Manager in XXXX, Tx his name is XXXX XXXX ph : XXXX. I visited him at the branch and talked with in person for almost a hour. He understood completely he looked it up and understood what had happen and agree with me I shouldnt have to pay for something I didnt authorize off a old account that my name wasnt on and the cards were not removed. Hes called me serveral times and weve have talked. He told me not to worry he has my back. I told him thank you he was the only bright candle in the widow for me in a stormy night. I will not pay these unauthorize charges they were not by me. XXXX XXXX XXXX | ||||||
| 03/22/2019 | Yes |
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| JPMORGAN CHASE AUTO FINANCE IS FRAUDULENT AND CUSTOMER SERVICE IS HORRIBLE. DO NOT USE THEM!! CAR BUYERS STAY AWAY!!! I leased a XXXX XXXX XXXX XXXX and XXXX XXXX uses Chase Automotive Finance ( now JPMorgan Chase ). I live in a state where there is a property tax assessed yearly on vehicles. The leasing company pays the tax and then bills the customer. So once a year, there is an added amt due on the bill ... the usual monthly rental fee and the tax. Every bill i received, I payed. But Chase is claiming that I owe them an amount which they claim is " property tax '' ; but the amount is the exact same amount as my monthly payment. This alone points to a billing error, as no tax payment coincidently is the same amt ( to the penny ) as a monthly car payment!!! I turned in the vehicle in XX/XX/XXXX but i started calling them last summer ( XX/XX/XXXX ) ( and even earlier in XX/XX/XXXX ) to alert them that their accounting was wrong ... .they were applying my additional tax payment to my monthly payments. Nothing was done. I kept getting overseas representatives. Then in XX/XX/XXXX when i knew i was about turn in the vehicle, i ramped up my calling and figured out how to get a representative that was here in the States. I explained the situation and then at their request provided bank statements proving i had paid all my bills and indeed payed both the tax payment and the monthly payment in the months where taxes were assessed. Not realizing what a hassle this would be and how terrible Chase customer service is, i did not keep records of dates of calls initially. On or around late XX/XX/XXXX or early XX/XX/XXXX, I spoke to XXXX in XXXX. She was the one who identified the problem of the tax payments getting applied to my monthly payments and revealed that i was way ahead on my monthly payments. She was able to correct PART of the discrepancy, but not all. ( if she hadnt i suspect the dispute would be over an even larger amount ). Then i turned in the vehicle on XX/XX/XXXX thinking that in the end this would be ok. It was not. I started getting notices from Chase that i owed back " property taxes '' which ironically is an amount equal to exactly one month payment. I spoke to XXXX ID # XXXX XX/XX/XXXX who requested that i provide proof of payment. I faxed to her the online billpay statements of EVERY payment i made to Chase. When i spoke to her on XX/XX/XXXX, she said i still owed the money but amazingly said she NEVER LOOKED at the statements!!! I insisted that my complaint be escalated. Two days later ( at XXXX! ) i get a call from XXXX ID # XXXX who when asked described his level of authority as a " job coach '' I insisted on speaking to someone else. He connected me with XXXX ID # XXXX ( ph XXXX ext XXXX ) and he did the following : 1. created a case file XXXX ( apparently none had been created after numerous calls ) 2. provided me with an email address XXXX So on that very same nite, XX/XX/XXXX i emailed to chase a copy of all my online payments I made to chase. Shortly after that i was contacted by XXXX XXXX XXXX ext XXXX who was " in the executive offices '', but declined to say exactly what his job title was. He requested that in addition to the online payment record, he wanted my bank statements. On XX/XX/XXXX i provided him with my banks statements showing the months where i indeed made 2 payments -- tax and regular payment -- to chase. Then on XX/XX/XXXX ( after i had to call him after he didnt call me back as he said he would ) he told me " well you still owe chase the money because you didnt make the regular monthly payment in XX/XX/XXXX '' ( when there was also a tax payment due ) I immediately pointed out to him, by way of the bank statement that he had, that indeed i made 2 payments that month. To which he replied after some time ... '' well that was applied to the next mont ''!!!! I then asked that my case be escalated further but he said that he was the highest things could go and refused to provide an higher level person to speak with. All he provided was an address ( with no name associated to it ) for further assistance. On the same day, XX/XX/XXXX I wrote an email to chase ( XXXX XXXX ) explaining, again, the entire events and issues ... ..and again provided to them the critical bank statements. And it should be noted that not only do i not owe them money, i believe they owe me the amount they say i owe them!!! The have a billing system that can not distinguish amounts greater than a customers monthly payment CHASE IS FRAUDULENT To date, no one has responded to me regarding my proof that i have provided to them. Moreover, i contiunue to get calls from them to " settle this issue '' It should be noted that early on, XX/XX/XXXX i demanded that no credit reporting be done until this issue is resolved, tho i am quite uncertain that is the case. It should be also noted that not only is Chase 's billing fraudulent, but their customer service is incompetent and frankly a group of not very intelligent people. Honestly, despite having bank statements in front of him, XXXX XXXX either couldnt intellectually comprehend what he saw, or just refused to address it. Worse, he refused to bump it up to someone who could understand it. They refused to set up phone appointments and would call me at random times of day or nite, despite me requesting to set up a phone appt. ( im a physician with very odd hrs and often not available ). It took me numerous phone calls and ultimately insisting ( on XX/XX/XXXX ) that it be escalated. They had very very little insight into the problem, had no idea how to address it, and everyone i spoke with ( except XXXX ) stone-walled and seemed utterly incapable of listening to the customer. Please advise what to do next to dispute this. | ||||||
| 11/06/2023 | Yes |
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| XXXX Chase Account Closing and Cash Balance in Question To : JPMorgan Chase On XX/XX/XXXX, JPMorgan Chase closed my personal checking account. The balance was {$750000.00}. The account was closed after Chase allowed a fraudulent savings account to be created, with me as a Secondary on the fraudulent savings account. The XXXX was then able to transfer {$18000.00} from my checking account to the fraudulent savings account where he later withdrew the funds. A similar thing occurred in XX/XX/XXXX but was resolved relatively quickly. Upon finding the fraudulent activity a week earlier, on XX/XX/XXXX, I alerted Chase to that activity by speaking to someone in the XXXX department. The person I spoke to asked if I was XXXX XXXX, who I have determined is the likely Fraudster, and I said that is not me and that person should not be allowed to do anything in my accounts. I asked them how this had happened because my account was specifically flagged for ID theft and special handling, and any person claiming to be me must know a top secret password that only I knowbut Chase has not been following this internal procedure as fraud has occurred in my accounts 4 times in 12 months. The Fraud department helpline person may have been confused because they told me that no money was taken from my checking account, which I was later able to verify was incorrect, {$18000.00} had been fraudulently transferred to the savings account in XXXX separate transfers. I spent the remaining month of XXXX and XXXX, trying to work with various XXXX line individuals to determine if/when the {$18000.00} taken from me would be returned ( this was my XXXX time dealing with Fraud on my Chase accounts so I have been through the process before and just last week spent XXXX hours dealing with a compromised business account there ). I also tried to have the $ XXXX remaining balance sent to me but was told the funds were in suspense while the Fraud investigation was ongoing. I was not able to get much information through these weeks of calling, spending roughly XXXX hours several times per week to no avail. I was sent to various departments where I would share my situation, only to be transferred to another department that could not solve the issue. I was often told, we are investigation the situation. One person in XXXX where accounts are closed for dead people said to me, youre not dead. So XXXX cant help you. And hung up. One time I heard we are trying to determine your identity and I thought that was strange because I had told them my identity, address, etc That person asked me, Well arent you XXXX XXXX? I said no he is the fraudster. Why are you calling to give my money to the fraudster. You should be call me! I was in the local branch. They know my identity At the end of XXXX, I spoke to one person who suggested that I try to get a $ XXXX wire reversed by the party that had sent it to me in XXXX. This was a very strange suggestion and I declined to do that for obvious reasons. I visited the local Chase branch several times to get their assistance on this issue. They would work through the XXXX lines, similar to me, and not be able to obtain much information about the $ XXXX balance and where that stood. Through one of the calls, we were told that the Chase Fraud team had been trying to reach me, XXXX XXXX and I said NO, that is not who I am, XXXX XXXX is the fraudster. XXXX XXXX is the victim and that is when I concluded that an error had been made at the time of initial entry of the XXXX, confusing who was the victim and who was the perpetrator. the helper in the branch said they were working to credit the closed savings account, which was the Fraudulent savings account. I worked with XXXX at the Chase XXXX to rectify the confusion, clearly stating who was victim and perpetrator and they seemingly made some changes to their internal records but I dont know that for fact ; this seemed to help make progress to where the XXXX team started working through the {$18000.00} stolen money issue and resolved that satisfactorily. On XX/XX/XXXX, I was told by XXXX from the XXXX lines that XXXX XXXX had reviewed the XXXX and approved {$18000.00} to be sent to me for the fraud claims. I deposited the {$18000.00} on XX/XX/XXXX. So while feeling good about the XXXX situation getting cleared up, I did not have any info on the suspended balance so I again worked with the Chase branch individual, XXXX, who had helped me a few times before, on trying to navigate how to get the $ XXXX from the closed checking account. On XX/XX/XXXX, I asked XXXX if I should get a lawyer, and she said when I mentioned that, she needed to file a formal Escalation Complaint, which she did on my behalf. XXXX days after the Escalation Complaint, XXXX XXXX called me to say he was assigned to the case and he had sent a demand to the back office to give him more information in 2 days. He then called me back, a days later to say that I should be getting a check for the full amount in XXXX business days. That was on XX/XX/XXXX. I followed up with XXXX in XXXX, after XXXX days had passed to tell him that I had not received the check for $ XXXX. He phoned me back saying he was working on it and I should be patient, the money was coming. That was the last that I spoke to XXXX. I have tried calling him XXXX per week since then, and have left voicemails each time, and I have even left voicemails for the XXXX inbox for the Escalation department. They have also not called me back. XXXX starting to wonder if Chase made a mistake and sent the $ XXXX to XXXX XXXX and they are not telling me that. Recent calls to the general XXXX XXXX have proven to be dead ends with people telling me that its sitting with the Back Office and there is nothing they can do. Please help. | ||||||
| 12/03/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD & {$2900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 10/18/2021 | Yes |
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| Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD bal. {$920.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 08/06/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD bal. {$4900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX | ||||||
| 11/09/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX | ||||||
| 10/04/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .JPMCB AUTO bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 12/02/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD & {$6300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/26/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD bal. {$6400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244 | ||||||
| 11/23/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD & {$850.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/23/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. JPMCB XXXX & {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 07/29/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB CARD bal. {$3000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 11/26/2019 | Yes |
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| I started my refinance process back in XX/XX/2019 with Chase which is the bank that currently holds my mortgage. I thought it was going to be easier since my mortgage was already with them. XXXX XXXX initiated my refinance process. At the time I stated to XXXX that I was in the process of separation and divorced and I stated that I was not divorced yet. At that moment she failed to inform me that in order to complete my refinance I needed to provide my divorce decree and that no other legal document such as a separation agreement will be accepted. I proceed to provide all the documentation required to process my refinance while also doing all the paperwork required for my divorce. I provided a separation agreement that both I and my ex-husband agreed and signed to XXXX XXXX on XX/XX/2019. She replied that she will forward the documents for review and didnt hear anything else about it. For the months to come, I was told I still required to provide the divorce decree, which I wasnt able to because my divorce was not finalized. I asked XXXX and XXXX several times the reasons as to why the only document that Chase or the lender would accept was the divorce degree since my ex had signed all the documents in regards to the title company and I have provided a separation agreement that we both signed. To this date, I have not understood the reasons why the only document Chase will accept to finalize my refinance process was the divorce decree. I also asked several times to XXXX and XXXX and I never received a clear answer to my question. I was told that the Lender was requiring the divorce decree in order to go forward since there was a possibility that my ex can go back and do something - which Im still confused on what that something can be - that can put a lien on the house. So months went by waiting on the divorce decree even when I provided a separation agreement to XXXX signed by both my ex and me specifying that I will buy him out in reference to the mortgage of the house that was the only thing we had together. I was never given any specific reason as to why this was a requirement - that will hold my refinance process and will add fees into my mortgage loan - in order to finalize the refinance. I tried to reach Lending Manager, XXXX XXXX to ask for more clarification on why it was a requirement to provide a divorce decree because no one can clearly explain it but I was never able to talk to him even after several emails and calls. Meanwhile, I was being charged in order to keep my interest rate. This was also not notified to me since the end of XXXX. When I was told I was being charged this fee and it was adding up every 15 days I spoke to XXXX XXXX and ask her that if there any other document that I can provide in order to finalize my refinance. She asked me if there was a separation agreement. I once again provide it the documents to her, the same document I provided XXXX back in XXXX. She told me that the lender told her this can be used and she will send the document to the legal department but that it seems that this document will be accepted valid and I was one step closer to be able to close. As of today, no one can explain to me why the same document that I provided in XXXX was not accepted back then but it was accepted in XXXX. I have asked several times and no one has provided me with an explanation. I stated to XXXX and XXXX that I was not going to pay for the fees to maintain my rate since it was not my fault a document I submitted on a timely matter was overlooked or disregarded as invalid. I have asked several times to take these fees out and they have not. I feel I had provided documentation in a timely matter and trying to be as reasonable as possible even when no one has been able to provide me clear answers. I feel I have been mistreated and discriminated by Chase for being XXXX. I am not saying that either XXXX or XXXX have done anything offensive. I am saying that somewhere in the process I was overlooked and treated differently. No one seemed to care to provide me with the answer to my questions. They all keep saying Ill get back to you on that and never did. I can help to think if my name was XXXX XXXX this process would have been easier for me. On Friday, XX/XX/XXXX, XXXX XXXX called me after I send them an email stating that I was not paying the + {$2000.00} that they were charging me since I did provided enough documentation for my refinance to be completed in a timely matter. I also asked that chase to pay for all my closing costs since I felt I have been mistreated. He stated the following : -That he understood that the mistake started when my refinance was initiated and no one told me I had to already have my divorce decree in hand. That the person that I talked on the phone should not have initiated my process in the first place. -That Chase will not pay for all my closing costs that at most they will pay for some of the fees they are unfairly charging me. -That the reason that my refinance got delayed was that I didnt provide my divorce decree on time. Even when no one told the consequences of not having it and the person that opened the case KNEW I didnt have it at the moment we spoke. -He did agree that Chase was the one that made the mistake in my case but I will still gon na be charged because the mortgage litigation office believed I am the one responsible. Unless it is common practice from Chase to not explain why documentation is required or why a document not accepted before but after a few months it is I feel I have been treated differently than other clients. I was left with a lot of questions unanswered and no one has taken the time to explain to me anything. At times it seems that they dont even know themselves. | ||||||
| 11/09/2022 | Yes |
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| Complaint : I have been unfortunately entwined in unreasonably defective mortgage ( not legally binding attached to my home since its origination with Washington Mutual Bank in XXXX of XXXX. Along with the terms of the loan, which were misleading as evidenced, was also caused confusion by connecting my former wife XXXX XXXX XXXX XXXX XXXX 's name in care of certain loan documents addressed exclusively in her name only. She has been absent from the home since XXXX. JP Morgan was unable to correct this inherited mistake without attaching an unreasonable fee to correct the account into my name as the responsible party. It was adjudicated in our final divorce ( XX/XX/XXXX ) that I remain in home and she to provide a quitclaim transfer accordingly. Due to this transition I came across the documents presented here. The issues that I am needed to address are primarily the Mortgage and Agreement/Mortgage Release/Satisfaction from JP Morgan Chase, XXXX XXXX XXXX in interest by purchase from FDIC as receiver to Washington Mutual bank, XXXX and XXXX all associated assignments as listed in attachment note below. XXXX XXXX XXXX and Assignments Further more, addressing lastly, the assignments and attempts to have contractual rights to real estate to and from XXXX, XXXX, XXXX XXXX Residential and associated attempt for loss mitigation contracts. I mistakenly went into a trial loan modification with XXXX XXXX believing that they were acting as servicer for escrow. Despite struggles financially and otherwise throughout the years in regards to a loan/tax payments and expenses, I had not realized the unreasonable extent of the extended burden placed upon our names through blatant deceptive, misleading and unprofessional tactics of trickery used from the origination of the note or security instrument and the masking and falsification of documents used to cover the tracks of the defective loan agreement the individuals involved were knowingly party to. Our separation and divorce has added to the difficulty in resolving matters which and I mistakenly entered into another trial payment loss mitigation that was being sent in both of our names. I am attaching documents that show deceptive, fraudulent tactics that I have discovered and I ask for your assistance and diligence in the review, as your knowledge of tactics used will most likely reveal violations in mortgage lending practices other than those that I have introduced with limited experience. These attachments are provided to support the statements of my findings. XXXX Washington Mutual, XXXX acquired by JP Morgan Chase XXXX XXXX Mortgage and Assignments JP Morgan Chase through the FDIC receivership of Washington Mutual, XXXX acquired this mortgage within the first few years. Their was no Note filed as required per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the only recorded document pertaining to mortgage. Includes a false legal description per XXXX XXXX XXXXXXXX XXXX XXXX XXXX statues required. We were sold a lower interest rate and monthly payment that included taxes, insurance, and PMI charges that was XXXX XXXX XXXX XXXX than what was billed. Document filed only reflects purchase price with a due date of XX/XX/XXXX, no closing cost, down payments or other basic information required. XXXX JP Morgan Chase as FDIC Receiver Foreclosure and Loan Modification Rather than correct, admit flaws or rectify the situation spanning all aspects of shady mortgage origination of lost or mismanaged payments, signed contacts, closing statements, improper filing of/and fraudulent, misleading presentation, instead chose to add a band-aid to a bad loan modification ; under threat of foreclosure, with a 40 year term, on a property that they had no rights to foreclose on or continue to collect or transfer as a security backed Mortgage. XXXX XXXX XXXX COMPLAINT FOR FORECLOSURE Shows unsigned, unseen and unfilled documents as evidence. The right to the property evidently arise and a title opinion is paid for that includes another false survey. XXXX Loan Mod We were shown modification documents by court mediation avoiding foreclosure. Supposing to correct, AGAIN includes a illegally retyped Legal Description which includes several errors that are outside of the acceptable margin of error. XXXX JP Morgan Chase XXXX to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX which I had understood to be the servicer of escrow payments of the original loan assumed by JP Morgan Chase, in fact, now self proclaimed itself as granter for a property and a loan agreement undeserved within the laws of the State of Ohio and within XXXX XXXX. XXXX, XXXX a division of XXXX as shown with attachments. To my knowledge no agreement was signed with XXXX, XXXX as I had thought them to be a servicer and have been unable to provide me with any clarification regarding account records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that include the real Legal Description of land and Tax records to date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History I have included basics of resolution and /or restitution and provided information to the best of my knowledge. I would appreciate communication from the CFPB via telephone if further clarification is needed. XXXX XXXX XXXX. In regards to XXXX, XXXX and the other, the possibility that an attempt to foreclose is still hanging over me, legal or not, I am hoping for assistance and confirmation that I am correct. I have put a lot of work, money and sweat into my property, and am unfairly being preyed upon. XXXX XXXX XXXX XXXX XXXX | ||||||
| 07/06/2021 | Yes |
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| RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX bal. {$810.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 10/01/2021 | Yes |
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| Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JPMCB HOME bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | ||||||
| 05/03/2022 | Yes |
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| On XX/XX/XXXX I received a text message while I was in the middle of my workday ( screenshot attached ). The text asked if I was transferring {$5000.00} via XXXX. I responded NO and shortly after I received a call from Chase number XXXX. The person on the phone said they were a representative of Chase and were calling because of potential fraud on my account for {$5000.00}. I have been working my XXXX off to save all my money to buy a house, so I panicked when the person told me this. The person on the phone sounded just like someone from Chase with on hold music and everything. I was on the phone with the person for nearly an hour. I followed all his instructions to reverse the payment and send the money back to myself. Shortly after I got off the phone, I started feeling uneasy about the call, so I called Chase. At this point the money was still in my account. Instead of trying to stop the transaction, the representative from Chase gave me a lecture about how Chase contacts clients and that I may have been potentially scammed. Instead of doing anything while the money was still in my account the representative opened a case and said someone will get back to me. Which they never did. The money was taken out of my account shortly after my call with Chase. The next day the scammer called me back apologizing for the delay with the money being returned to my account. He said that he was in contact with XXXX, and they have informed him that they are seeing big delays, but I would see the money soon. He said that to try and expedite the process I could go through a few steps with him. I hung up the phone I immediately and called Chase to let them know and I was told by a representative " What do you want me to do The representative was rude and didn't seem to care. I felt like the rep was just trying to get me off the phone. I was told to be patient while my case was being reviewed. Hoping I was in good hands I waited for the 10 days I was told to wait. Hearing nothing from them after 2 weeks I started calling for the next few days. I spoke to 5 different representatives that must have been at home because I could barely understand them because their phones were choppy at best. When I could understand them, they were rude and acted like they didn't care at all. The last person I talked to said that my claim was denied but I could not understand his explanation because of the poor phone quality. At this point being very frustrated I went to the bank and filed a complaint. I explained everything I went through and was told that I would receive a call from the Chase Fraud department to clear up the matter. A few days later I did receive a call and was told that there was nothing they could do. I was told to call XXXX and ask them if they can help but that would be a no as well. I called XXXX and they wouldnt help me either stating that they are not responsible for scams, just fraud. I dont understand how this is not fraud. The most frustrating thing is XXXX XXXX wrote a story of the same thing happening to a XXXX XXXX XXXX client ( https : XXXX ). XXXX XXXX XXXX refunded the money that the person was scammed out of. I let Chase know that and they still didnt care. You mean to tell me that a bank that is insured for their money can't or won't take care of a client that has been with them for 20 plus years, but XXXX XXXX XXXX will? All I want is my money back, but Chase really doesnt seem to care about their clients even when someone is doing an excellent job impersonating them using their number. I have heard such great things about you team. I am hoping there is something you guys can do to help me with this. I did some research and found on your site that this should be covered by the bank. From your site : 5. A third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account. Does the transfer meet Regulation Es definition of an unauthorized EFT? Yes. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. Updated XX/XX/2021 I just spoke to another representative and we talked about Regulation E and she said she still cant help me. Where do I go from here? Isn't this regulation enforced? | ||||||
| 09/26/2023 | Yes |
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| XX/XX/XXXX deposited check # XXXX In the amount of {$2800.00} from XXXX XXXX, a company that my friends XXXX and XXXX XXXX own. These are friends I have know for 14 years, They have had their company registered since XX/XX/XXXXXXXX and had the phone number used for this company since XXXX. A hold was placed on the check, which I full expected and complied with. XX/XX/XXXX I tried to transfer money I had in the savings account prior to the deposit of the check to cover some bills I paid. It would not let me transfer and I thought it was an error in my Chase App. XX/XX/XXXX, the payments came through and made my checking account overdrawn. I called to see why I could not transfer money and I was told my savings account was restricted due to not being able to verify the owner of the check. I confirmed the phone numbers with XXXX and XXXX XXXX and they confirmed the phone number was correct. I was being asked all sorts of questions as if I was trying to perform something illegal. I explained I was loaned some money for car repairs. I was told that they would not even call the number because it was not coming up as a verified number in the database you use. I asked why the rest of my money that was in the account prior was locked as well, they could not tell me except it was restricted but I could go into the branch and transfer money with a teller. After I got off work I rushed to the branch and transferred the money to avoid any overdraft fees. I then decided instead of pestering the phone reps I would just wait for the check to clear the bank, thinking that would resolve any issues. On XX/XX/XXXX my friends informed me that the check had cleared their business account. On XX/XX/XXXX after the holidays, I called to find out when the check would be released because it had cleared their bank. I was told it was still under review and to call back tomorrow. On XX/XX/XXXX I saw that the funds had been released in my Chase app so therefore I did not call back, and I began getting estimates for my repairs. I want to note that I am moving to XXXX Texas on XX/XX/XXXX and needed these repairs done before I moved. On the evening of XX/XX/XXXX, I checked my account and saw that both the check of {$2800.00} and the remaining amount of my savings {$780.00} had been deducted from my savings account and {$780.00} was placed in my checking account. By the morning of XX/XX/XXXX, my savings account had been closed. Mind you, no notice was ever given to me. I called back and asked the representative to just refund the money to the originating bank so they could get me a cashiers check instead. I was told the only way to resolve this was to have my friends go to their bank and do a stop payment on the check and issue me a new check. I said I would do that, and they would get me a cashiers check but I will be closing my accounts with Chase. XX/XX/XXXX, they spoke to their bank XXXX and asked for a stop payment. The bank told them that was impossible because the check had already cleared, and Chase had the funds for almost two weeks. XXXX also told them they had no idea what database Chase was referring to in order to verify the business phone number. At this point it is too late to get the repairs done on my vehicle and I am going to have to tow my car to XXXX, Texas. XX/XX/XXXX, I called to resolve the situation and was told that the check was suspended and they would not release the funds until they could verify the phone number. I asked to speak to a supervisor and was told the same thing. I asked what database they are using to verify the phone number and she said she could not tell me that. So I explained, that I personally can not change the database to add this number, and I am literally stuck. This is money I have to pay back and I cant access it for my car repairs. They said it could come back as fraudulent for up to 6 months. I have banked with Chase for 30 years and have never done anything for them to think I would deposit a fraudulent check. It is humiliating being treated like a criminal when you are not. XX/XX/XXXX Filed a complaint with CFPB, the Texas Department XXXX Banking and the Texas attorney General consumer complaints. Since the response from Chase I have called on a regular basis to try to resolve this. First, I was told I had to have the company re-call the check by their bank. They tried that and XXXX said that was not an option and had no idea why Chase would tell us that. The business owner paid extra with their phone service to make it a publicly verifiable phone number, Chase said it still was not verifiable. Then I was told it had to do with the credit reporting agency. The business owner checked the phone number with the businesss only credit card and the number was incorrect by one number. I called Chase to verify using the phone number that the credit company had, I was told it was still not verifiable. Next the business owner went and got a new phone number with XXXX, she was using an internet-based phone number so we thought that might be the issue. Chase said it was still not verifiable. XX/XX/XXXXXXXX I was then told what company they use to verify and given a phone number. XXXX XXXX # XXXX. The business owner called to see if she could register her phone number, they had no idea what she was talking about. It has now been 3 months, I have attempted to do everything that Chase has asked me to do and yet the check is still in suspense and I have no idea how to resolve this issue. I am also including documents the business owner has provided me showing that the number on the check is register with the State of Texas as their business phone number, and other documentation showing it is a legitimate business. | ||||||
| 12/06/2017 | Yes |
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| I was using my mother 's Chase credit card ( which she has authorized me to do ) to pay for my rent. I have been placing my rental payments on her card since XXXX XXXX XXXX. When I placed a payment on her card for {XXXX} in XX/XX/XXXX, she checked her statement, but did not recognize the name of the merchant that collects the payment ( listed under : XXXX XXXX XXXX ). She promptly called to dispute that one charge and then, Chase took it upon themselves to also dispute the two charges that were placed back in XX/XX/XXXX ( one for {XXXX} and one for {XXXX} - both had already been paid for, also ). My mother called me about the charge and I verified that it was not fraudulent. She then promptly called Chase back ( about 2-3 days after ) and asked that all the charges be placed back with the merchant since she had already paid off her statement. They verified that it would be, and we trusted them. Then, in XX/XX/XXXX I received a notification from my rental company that Chase had pulled out the amounts that were payed in XX/XX/XXXX. They did not mention the payments for XX/XX/XXXX, just XX/XX/XXXX. I immediately called Chase to ask what was going on and they stated that the payment had been sent to the merchant already and they instructed us to wait a few days for it to post to their accounts. We waited, and they still did not notify us of them having received any money, and my account still reflected the past-due balance for the month of XX/XX/XXXX. So we called again to have the money sent over and were told to wait. The merchant still had n't received payment so we called again, and another time after that. Even after all those times, they still had not received the money. Then, we called a few days before my XX/XX/XXXX rent was due, because my account STILL reflected the unpaid balance. We discussed it over the phone and they told us that the funds would be delivered within 72 hours at the latest. We called on the XX/XX/XXXX because my property manager stated that the company still had not received funds. We were told that the funds were posted that day at XXXX. But that was still not reflected in my account. When we called again on XX/XX/XXXX, we were then told that the merchant had received the payment but it would take an additional 72 hours for them to process the payment so that it could reflect on my account. However, my rent for the month of XX/XX/XXXX was already past due at this point, because I was unable to pay for it due to the balance that was still owed for XX/XX/XXXX, which prompted the company to close off my ability to make payments through their online portal. Finally, we called today ( XX/XX/XXXX ) to see if we could just get the credit for the payments added back onto the credit card so I could make the payment myself ( I had spoken to the property manager and they agreed to unlock my account for online payment just this once ). We were told that it was not possible to do so, but would have to wait until the XXXX for the money to be posted. However, I was already given notice that the rent had to be paid in full ( XX/XX/XXXX and XX/XX/XXXX, plus the late fees ) by the XXXX, or I would be forced to vacate the premises. I informed them of this and of the situation that led up to this, and they stated that they could not help me. I persisted and got transferred two or three times to higher-level staff until one of the staff members decided to get into contact with the accounting department to see if she could cancel the merchant repayment and just put the credit back on the card ( which would take an additional 24-48 hours ). We saw that it would be our best option and opted for her to do so, and they approved it. However, during the two-month period that it took to finally get this issue semi-resolved, my rental account had acquired over {XXXX} in late fees. And Chase is stating that they refuse to pay for it. They stated that we could have just paid the funds ourselves and just asked the money to be credited on the account. That is false, because due to the company pulling the money from the merchant, they locked all online access to the account. And, when we did try to get the money credited to our account, it took over an hour of arguing over the phone just for them to agree to do so. Also, the accumulation of all of these late fees is solely due to the length of time that it took for the company to send the money back to the merchant ( which still has n't happened, by the way ). Money for two charges that we did not even authorize to be taken out of the account in the first place. My mother had originally called to dispute a charge that was made in XX/XX/XXXX, not the two payments made in XX/XX/XXXX. Every time that we called to request the money be sent back to the merchant, we were guaranteed that they would receive it under a specified time frame. and all of those statements were false. Chase is denying all responsibility for this issue and states that the late fees are our responsibility, and that their sole responsibility is to return the funds to the merchant. However they have failed to even do the thing that they claim responsibility for. My mother and I are very frustrated and feel very cheated and taken advantage of. We are also discussing pursuing legal action. And not because of the late fees, but for the fact that it took such a lengthy amount of time to just send back two payments ( which they did not even do ), and for not owning up to their responsibility in the matter. If it were not for the kindheartedness of my current property manager, I would have been evicted and charged even more money in late fees. Chase needs to acknowledge their wrongdoing in this situation and own up to it. | ||||||
| 09/05/2023 | Yes |
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Web | Older American |
| About my Mortgage loan lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Description of my property : XXXX XXXX XXXX XXXX XXXX XXXX, In the City of XXXX XXXX XXXX of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Complaint : I was in Chasebank to make payment into my XXXXXXXX XXXX XXXX XXXX account. I was told by the lady at the counter my account was not coming up on the screen. I made payment the month before. So, she called to find out. After, she told me go home take this number call Chasebank. I did. Chase Bank staff, XXXX, told me account was closed. I asked why. No response. Then, asked about my lender no answer. Then, he told me I can modify to a new loan with them, Chasebank. But, run around repeated behavior patterns asking me to provide same material over and over. Then, Chase Bank claimed the loan was theirs and another company Quality loan came on board made claims they bought the loan from XXXX and they are Servicing agent for XXXX XXXX. After, my questions requesting proof of claim they made a new claim they bought the loan from Chasebank. The, I asked for proof of claim did not get any. Chase Bank was no longer on the scene. But, XXXXXXXX XXXX. Then, XXXXXXXX XXXX hired XXXX XXXX. They move to foreclose. I asked for my lenders information. Two competing claims it was Chasebank and XXXXXXXX XXXX XXXXXXXX I called them up. They were playing smart with me. The lady who answered. She told me we have no record. Then, asked did you come to our Bank to get a loan? Have we written you you were owing us and you were in default?. Who ever is telling you asked them to give you official copy of the letter we sent to them. I asked XXXXXXXX XXXX and XXXX XXXX. Also, about my lender got no response. They, got a court on their side a judge who could approve their move to foreclose ; with no response to my questions and demand for verification of truth and claims they alleged and where about of XXXXXXXX XXXX XXXXXXXX XXXX XXXX. It took me time to research what happened to me. I completed my research in XXXX. I found Chase Bank was the underwriter for loan made to XXXXXXXX XXXX XXXXXXXX XXXX. I found XXXXXXXX XXXX XXXXXXXX was a defunct business. Chase Bank never told me even when I asked Chase Bank. Also, researched my lender and my account number. I found the loan number I was giving was a fake. I found XXXXXXXX XXXX XXXXXXXX had been warned by State of California to stop making loans with no cash backing. I found another fake loan modification was issued in the name of XXXXXXXX XXXX The modification number was also fake. Loan account suddenly closed and I can not pay into it. Loan number fake. My researched showed Chase Bank was underwriter. How could Chase Bank modify fake loan number as an underwriter to XXXXXXXX XXXX XXXX XXXX XXXX? Chasebank closed the account and asked me to modify and gave me many runs and merry go round to keep submitting paper work and, later to be told you are not qualified. I have equity. You see! They were the underwriter. I never new this until my research study showed. The loan number did not worth the paper work sold to me. But, my house, my investment and equity was the only worth to sell and Cash in. They found a judge who careless about fact of claims and verification of fact. In this nation any one can claim they won election. Those days are over. It is my house and I am the lawful owner of record. I called up IRS. They told me XXXX XXXX filed to them under my Social Security as lender the amount they sold my house and gave me tax credit. I had objected to that. I want the XXXX XXXX Government to know is my house and by sheer force of circumstances and fraud and theft court involved I am homeless not having my house to live in. I have been in exile since XXXX with no house. I never expected this level of behavior Banks and court involved. They continue operating normal no accountability. Chasebank, XXXXXXXX XXXX, Court etc. They, engaged in removing my name from my property and induced false claim I was renting connieved with another who filed to evict me as his tenant. I did not have tenant relationship let alone was renting my own house. They filed in a court in XXXX and XXXXXXXX XXXX and found judges who could connived with them and served me an order of eviction. But, I was not renting let alone have any rental agreement with whoever Chasebank, XXXX, XXXX XXXX and XXXX XXXX used to file I was renting. Had no such contract with any. False claim is rampant when no fact screening of claims are left. I have been threatened and folks sent to my house to check. The Sheriff was sent with guns to remove me from my own house on false claims I was on a rental contract. The judges who were involved in this rental fraud claims are no longer with license. Why? Not sure. It is my house. I was not renting let alone in any rental contract as alleged used in filing APP NO : XXXX. The fraud lives on no accountability. They have my equity. In fact, they have changed my house address to another. I can not believed the U.S government under it watch is allowing this sort of thing and court involved. Mortgage industry can engaged in this sort of behaviors. May God We trust deliver. It is my house. The value of my house and equity is up and they have it and sitting on it. I am asking for intervention to step in. Verify the mortgage note loan numbers, real lender and the real landlord. Also, verify if my house as referenced above was a rental property business. I am the XXXX | ||||||
| 11/12/2022 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I received a text message from what I thought was Chase. It asked me if I was authorizing the amount of {$440.00} at XXXX XXXX I replied NO via text message. I received a text saying that a " fraud specialist '' would be contacting me. Shortly afterwards, someone from XXXX called me. ( When you call this number it is a Chase number ). She was asking if I had authorized that transaction. I informed her no. Because we had a bad connection, I told her I was having problems hearing her. So she informed me that she was going to call me from her personal number. She called me on XXXX. She asked if I had my debit card in my possession. I informed her I did. She wanted to verify the last 4 number 's on my card. She read the numbers to me. She asked to verify the security code on the back, she gave me those 3 numbers. She then sent me a link via text message which she asked me to connect to. I clicked on the link. She verified all the fund transactions that I had since XX/XX/XXXX, except there were 2 that I said were not mine. The one for {$440.00} and another amount around {$20.00}. I was on the phone with her for about 45 minutes. She said she was canceling these transactions. Then she told me that I would be receiving a new debit card via XXXX XXXX on XX/XX/XXXX and that I needed to shred my old card. Which I did. The lady I spoke to, said that it looked like my debit card number was stolen at a gas station that I had used on XX/XX/XXXX. The lady told me that I would need to change my username and password on my bank account because she had deactivated that. On XX/XX/XXXX, I received a text message that one of my bank accounts with Chase Bank was overdrawn. I did not pull up my account, because I was in a hurry to leave town due to needed to attend a friend 's funeral. I didn't have the time to change my username and password, so I was thinking that it would take some time. In the afternoon of XX/XX/XXXX, I logged onto my mobile Chase account on my phone and noticed that there was a {$6000.00} wire transfer to XXXX XXXX in Florida at XXXX XXXX that I did not authorize. Immediately I called Chase on the evening of XX/XX/XXXX. I was hung up on 3 or 4 times during the process. I was transferred to several different people and no one could help me. One person said I needed to send a secure message to Chase with the topic " Payments & transfers ''. I sent a message. The final person I was transferred to was " XXXX '' in the claims department. She looked and said that the wire transfer went through and the only thing I could do was send the message through the secure message line. No one seemed to understand my concern for my other accounts or my kids accounts linked to mine. No further suggestions were suggested until my daughter brought up changing the password, and asked about the account needing to be frozen. I did freeze this checking account. I never did receive a new Debit card. On Sunday XX/XX/XXXX, I filed a police report with the local police station and I also filled out a report with the FBI. On Monday XX/XX/XXXX, I went to the local Chase Bank and explained the situation to them. Over the phone we spoke to someone with Chase in the Dispute Department. An official dispute was filed for the {$6000.00} wire transfer that was not authorized by me. Chase informed me that I would be receiving a " packet '' in the mail that I needed to send back within XXXX business days. When a finally received the " packet '' it was single piece of paper. I filled out the " Unauthorized Signature or Forged Item Declaration '' and then took it to the local Chase Bank for them to fax it to the main Chase office. This paper was faxed to Chase on XX/XX/XXXX. On XX/XX/XXXX, someone from the Chase Branch Complaint Escalation Group called me and left a voicemail on my phone. I returned her call at XXXX on XX/XX/XXXX and I had to leave her a voicemail. I called her again on XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; XXXX @ XXXX ; and XXXX @ XXXX and had to leave voicemails each time. On XX/XX/XXXX @ XXXX, I was finally able to speak with this person that initially called me on XX/XX/XXXX. She stated that she would reopen my complaint and she would try to follow up on the claim that I had. She said she would call me towards the end of the week. I did not hear back from her and I have still not heard back from her. On XX/XX/XXXX @ XXXX ; XX/XX/XXXX @ XXXX ; and XX/XX/XXXX @ XXXX, I called and left her voicemails. On XX/XX/XXXX @ XXXX, I called the local Chase Bank and spoke to one of the first people that helped me on XX/XX/XXXX. She transferred me to the Disputes Main office and I spoke to XXXX. He stated that Chase was still trying to work on recovering the funds and there were no updates yet. He suggested that I call back on Thursday XXXX XX/XX/XXXX, I called back to the Disputes Main Office and spoke to XXXX. She said that Chase was unable to recover the {$6000.00} and that my claim had been denied. She did give me a XXXX # XXXX. And a XXXX # XXXX XXXX. I have not received any letters from Chase saying that my claim has been denied. I have not had anyone call me to tell me anything about my claim. On XX/XX/XXXX, I closed my other Chase bank accounts and transferred all my funds to another bank. I still have the one account that is frozen with Chase. I have had to deal with loosing my Health Insurance temporarily due to funding issues. I have had late charges that I have had to pay due to having minimal money in accounts to pay for my Mortgage and other bills. I would like to see Chase refund my {$6000.00}. I do not know the person that the wire transfer was sent to. I did not authorize that money to be wired out of my accounts. | ||||||
| 01/12/2023 | Yes |
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| I would like to file a complaint on XXXX for not reinvestigating some items I brought to there attention on XX/XX/XXXX. I disputed XXXX accounts based on inaccurate reported information as well as sent them copies of proof to support my dispute. XX/XX/XXXX Target sent a correspondence specifying when the Date of Delinquency occurred which was on XX/XX/XXXX, causing the Last Payment to have been made on XX/XX/XXXX. XX/XX/XXXX XXXX sent a correspondence specifying when the Date of XXXX occured which was on XX/XX/XXXX, causing the federal 7 year reporting running of reporting period as described in XXXX ( c ) to expire on XX/XX/XXXX. My XXXX Dispute sent on XX/XX/XXXX to XXXX, XXXX XXXX XXXX, XXXX PA XXXX with attached XXXX report dated XX/XX/XXXX File Number XXXX ( I included a copy of my report and dispute for your viewing ) specified clearly the specific accounts and reasoning for there own dispute. -JPMCB XXXX - date closed XX/XX/XXXX is wrong. XXXXXXXX XXXX XXXXXXXX XXXX - last payment XX/XX/XXXX is wrong. -XXXX XXXXXXXX - XXXX month and year this item will be removed XX/XX/XXXX is wrong XXXX XXXX XXXX - account type XXXX Account is wrong because the closed date reports XX/XX/XXXX. I checked on there XXXX website to see the status of my dispute and it showed that XXXX completed a investigation on XX/XX/XXXX. I tried clicking on the link View Dispute Results and the only thing that pops up is a error saying we are having technical difficulties, we appreciate your patience while we resolve this issue. Me not being able to see my results when XXXX says its ready is a real inconvenience for me and I do not know the results outcome based on there reinvestigation. I decided to get a new report on XX/XX/XXXX to check to see if XXXX fixed the errors I brought to there attention. I was shocked to see the only account transunion fixed was the XXXX account. XXXX removed the closed date on the XXXX account to support the XXXX status. The remaining XXXX accounts I had included in the same letter were either never reinvestigated or XXXX blatantly failed to fix the errors I had brought to there attention. The reason why I say XXXX XXXX have not reinvestigated these accounts is because XXXX actually removed the Remarks field on all XXXX accounts on my updated XX/XX/XXXX report, and if there is no remarks field reporting then there is no notice these accounts were disputed by the data furnishers XXXX ( a ) ( XXXX ) and without the creditors notice of dispute it is impossible for XXXX to XXXX there reinvestigation under FCRA law 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ) ( A ) and ( B ). If XXXX claims that these accounts were in fact reinvestigated then why didnt XXXX XXXX the errors I had previously requested? The same errors that were on my XX/XX/XXXX report reflect the same on my XX/XX/XXXX report with the exact same file number. It is not fair that XXXX can complete a reinvestigation and modify correctly only XXXX of the accounts that was listed on the same letter as the XXXX additional accounts and the XXXX additional accounts were not fixed or never reinvestigated. My XXXX report dated XX/XX/XXXX SAME File Number XXXX in regards to the XXXX accounts ( I included a copy of my report for your viewing as proof XXXX is non compliance ) -JPMCB XXXX - the error date closed XX/XX/XXXX is still reporting. XXXXXXXX XXXX XXXXXXXX XXXX- the error last payment XX/XX/XXXX is still reporting. XXXX XXXXXXXX- XXXX error estimated month and year this item will be removed XX/XX/XXXX is still reporting. XXXX is not following proper compliance proceudres in regards to reinvestigating items I bring to there attention. I attached additional paperwork from the creditors proving to transunion the errors are not allegations but proven blatant facts directly from these creditors to support my dispute. There should be no reason why transunion did not fix the errors. I specifically told XXXX what account and account number was inaccurate and the reason for the basis of my dipsute with attached proof of paperwork.The same paperwork these creditors sent me in regards to specific information in connection with the accounts is the same information the creditors send the consumer reporting agencies to report. Since these creditors have complied and verified with me the information they are giving to the consumer reporting agencies, XXXX is responsible for reporting blatant inaccuracies on my private non public consumer file especially after I had already notified them about these specific errors. XXXX simply doesnt care about federal and state laws and must be held responsible for the non compliance procedures they are conducting on my consumer file because not only are they violating my right to privacy and damaging my credit worthiness by reporting such inaccuracies there are damaging my character and ability to gain new credit line opportunities with future financial institutions. I do not believe reasonable and proper procedures were practiced before preparing me a new report because my XX/XX/XXXX report is NOT reporting to the maximum possible accuracy XXXX ( b ). The FCRA clearly states the consumer reporting agencies have XXXX options in regards to a reinvestigation and its either modify the account as appropriate based on the results of the reinvestigation or delete the accounts. XXXX has failed to modify these accounts accurately therefore I request that these accounts must be deleted XXXX ( a ) ( XXXX ) ( A ) ( i ). I have also included the most recent disputes I sent to XXXX for the JPMCB, XXXX XXXX XXXXXXXX accounts sent on XX/XX/XXXX just in case XXXX sends me there generic response letter and fails to answer to my request. | ||||||
| 09/10/2022 | Yes |
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Web | Older American |
| We have been trying to address issues with Chase and Amazon for over 3months without any progress. They bothare pushing us back and forth. The main focus is on games played on Amazon that required coinpurchases to play the games and the allocation of those coin purchases. We believe that there was some kind of loopwith the program that forced purchases to go against the credit card whichincreased the credit card balance. Themost recent credit card statement has XXXX points. However, when playing the game it said therewere no balance/ points and continues requiring the purchase. I am attaching 4 pages from XXXX email toso confirmation of coins being purchased from Amazon and we have similar recordsfor each day going back to XX/XX/XXXX. This is not realistic that someone we keep purchasing coins if they hada significant balance. The second thing we are trying to understand is a reconciliation of onthe coins purchased how they were allocated and what they purchased. The XXXX statement indicated only XXXX in the balance and during XXXX XXXX transferred from otherproducts. Which is strange since in XXXX statement had an ending balance of points of XXXX? Also, on the XX/XX/XXXX statement itindicates we made purchases during XXXX of {$690.00} with the detail there isonly one transaction XX/XX/XXXX for {$14.00}, so not sure how the balance would beincurred. Also Amazon has placed theaccount on hold without us or customer service having access, so not sure how therecould be a purchase anyway. Actions taken : Our first clue that something was seriously wrong with my VISA accountending in XXXX was when we received a 27 page XXXX, XXXX monthly statement fromChase for XXXX, XXXX with an outstanding balance of {$3000.00}. XXXX billingstatement balance was {$700.00} which we sent a payment of {$340.00}. Knowing that neither of us had charged anywhere near {$3000.00} in the pastmonth, we sat down to research and resolve this matter. The only significant change we found in ourrecent purchases relate to Amazon games. On top of several XXXX XXXX and related XXXX XXXX, I contractedboth XXXX and XXXX during XXXX XXXX. The added curtailment of my activities plusthe required quarantine, led me to sample Free Amazon games. I found one which seemed harmless ( XXXX ) and freely agree that I did purchase some Amazons coins. By my best estimates, I spent between {$400.00} and {$550.00} on coins ( plus my normal monthly {$400.00} to {$700.00} of non-coin purchases ) before the arrival of the {$3000.00} monthlystatement. I immediately contacted both Amazon and Chase on XX/XX/XXXX, trying tounderstand and resolve whatever was going wonky. I talked to XXXX XXXX at Amazon Customer Service. Among other things, she : * openeda file for me, reviewed the wonky charges. * reversedsome small charges, * closedmy VISA ending in XXXX due to suspected fraud, * got anew Chase/Amazon Prime VISA XXXX XXXX in XXXX ) issued in my name, transferred mybalances from the original to the replacement card. * walkedme through the uninstallation and removal of any games or non-essentialfiles/applications from my XXXX table, and * Directed me to contact Chase directly to initiatefile fraud review there. XXXX went to theChase branch and reviewed account with Chase agent. They saw how many and they suggested sendingall the pages to Amazon. XXXX asked repto challenge some of the charges to get someone to look at the data tied to theaccount. At that time Chase said Amazon was crediting some on their side. This is approximately the point where things started to circle withoutprogress. While everyone I talked to at both Chase and Amazon was pleasant andresponsive, XXXX and have been bounced back and forth. We waited a month, XX/XX/XXXX to see if anything would happen withchase and Amazon while paying {$100.00} on the credit card to make sure payingtimely. On the XXXX statement wereceived {$1900.00} in credits and payments. But also purchases of another {$2800.00} in coins. So on XX/XX/XXXX contacted Amazoncustomer service XXXX XXXX and asked to see purchases and disbursement ofcoins. XXXX sent me a file but didnot show coin purchases, just retail purchases. We again contacted Chase to challenge someof the transactions. Paid another {$100.00} payment to ensure paying the credit cardtimely. On the XXXX statement we did not see any movement. So contacted Amazon again through their emailreflecting subject D )! XXXX Amazon.com Charge Dispute fundingdecision. It that email they wrote adecision would be done in 30 days or sometimes longer. Attached email. On XX/XX/XXXX received email that yourprime benefits are on hold due to a billing issue. ( The next day they charged XXXX creditcard ) The credit card they issued as a replacement. Attached email. We orcustomer service do not have access to the history on the account and can not doanything and very difficult to almost impossible to get a representative totalk to. XX/XX/XXXX last communication except for the XXXX bill wejust received. This XXXX Amazon.com Charge Dispute Funding Decision . The e-mail said We have received your reply.We removed your access to the account because your card issuer disputed theoriginal charge for this order and withdrew your payment. Because of thisdispute, we have not received payment for the order. Once payment is made to Amazon, you will beable to access your account again. Attached email Lastly I will attached a bad review from XXXX that outlines exactlywhat is happening to XXXX and the type of response we are getting. Seems things have not changed. I would appreciate in someone doing a complete review of these itemsand provide written feedback so we understand what has happened and why. | ||||||
| 04/10/2021 | Yes |
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| Recently I bought a new XXXX, which was financed through the dealer which uses Chase Bank as their loan provider. On XX/XX/XXXX, I went to set up my online loan account to pay my first bill. I entered the account number that was sent to me and my social security per the instructions I was sent. The website gave me several options for verification. This should have been a red flag, actually, as two of the three verification options were not info I had given on my loan applicationone was a long disconnected landline ( disconnected at least 15 years ago ) and one was an older email that I dont actively use. The other was my current work number which I can not use for personal use. The only one I could possibly use for verification was the old email. My current mobile phone number, which was my main number on the loan application was not a verification option. My current email which was the only email address used in any of my correspondences with the auto dealer was not a verification option. When I got the verification email, I should also have realized something was wrong. It was addressed to my old married name -- a name that has not been my legal name for almost 10 years. My ex-husband is an abusive person, and it was very shocking to be confronted with that name when that name was not the name under which I applied for this loan, nor is it my legal name. Many years ago, I had some accounts with Chase. They are all long-closed. I presumed that through my social security number ( which I NEVER changed to my married name, by the way ) the old account was linked to the new one. I copied the code that was sent me, input the code on the verification page on the website, and set up a new username and new password. This was a username I had not used before with Chase and I user name I only use for one other financial product that was recently opened with a different bank ( which has all my information correct ). When the dashboard page for my new account came up it was populated with my old married name!!! Not my current legal name. Not the name I used on the loan application. That is traumatic. It was/is NOT possible to change the account name online. I called the customer service number and spent an hour on the phone getting bounced to various Chase people ( and also got disconnected once ) and no one could help me. I will repeat, I spent an hour on the phone with various people at Chase -- in the auto loan department, the credit card department, the general number, and NO ONE could help me. They did admit that somehow my old account must have linked to the new on through my social security number. Additionally, the email on the new account was my old ancient email -- NOT the email I used for the loan application. I believe also that I had an opportunity to input my current email, and that was not evident until I spent the time to change it. Even worse, the new account also populated my primary address as my old married addressthis is my abusive ex-husbands current address. That, at least, I was able to change. But I only noticed it because I went in and checked everything for accuracy. This is a safety issue. This is the kind of thing that could result in violence. What if my bills started getting sent to my ex due to this? Then I checked the phone numbers. The primary phone number was my long disconnected land line. Luckily that I was able to change too. I should not have to spend time correcting these things when my loan application had everything CURRENT and CORRECT. To add insult to injury, while I was on hold, I decided to set up payment for my bill due on XX/XX/XXXX. I went to add my bank account. I received an error message saying that I could not add my bank account because it was associated with another account ( clearly the ancient, closed Chase credit card account that auto-populated the incorrect info ). I tried to login to that old Chase account ( I still had the info in my password manager ). It has me locked out because I have not used it in years. So I can not remove my bank account from that old account to be able to link it to this XXXX/Chase auto account so that I can pay my bill. This was not my mistake, I dont feel I should have to spend any more of my time trying to fix this. It is painful and perpetuates abuse. It is a giant waste of my valuable time to fix a corporate mistake. I work in technology and it is unfathomable to me that someone made the decision to populate a new account -- without any sort of change to verify if the pre-populated information is correct and with NO way to correct one of those data points ( my name ) -- with information from a long-closed account just based on matching two data points with that old account ( social security number and an outdated, if still active, email ). Id just like to be able to pay my bill and not be confronted with a traumatic name when I log in to my online account. My online account needs to be the same legal name as the one on my loan application. And I would just like to be able to link my bank account without a hassle. It just needs to be unlinked from my ancient closed Chase account. I do not feel I should have to spend hours trying to fix this mistake that never should have happened. I also contacted my auto dealer and asked them to try to resolve this. They said they would try but as of XX/XX/XXXX, I have not heard back from them. Additionally, when I posted about this to my social media, I had two other people note that they similarly had had ancient info from long-closed Chase accounts pulled in as primary addresses/phone numbers to their new auto loan account when they set it up. So this is not an isolated incident. | ||||||
| 07/31/2017 | Yes |
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Web | Servicemember |
| since being with chase bank, I had tried to modify my loan. They had me apply several times a year over the course of many years. The end result was always the same. I did not make enough money to do a modification. Approx. 2010, I contacted Senator XXXX XXXX 's office about this issue and what I could do, as interest rares were soooo low, I could modify for about 200.00 a month! He told me about a special program and had me meet with Chase Bank. I met with XXXX XXXX And XXXX XXXX, and they were awesome! After lots of hard work on their part, they called me with " The Best XXXX Present I would EVER receive! '' They told me to sit down, and said, from now on I did n't have to make another house payment as long as I lived in the house! Chase approved a " special program just for me '' which would charge me interest only on the principle of XXXX dollars left on the loan. Because I lived on so little money, the payment would go in to an account ( the payment was about 200.00 a month or less depending on the interest rate, and it would just be the interest, / XXXX, XXXX came to my house and met with me, my sister XXXX, her husband XXXX, and my mom was on the phone conference call as well. They explained that only the interest would be added to the account, and no extra interest would be charged to that account, as the interest was being charged every month on the principle. already. Because I had so much equity in the home, they felt this was a VERY safe deal for them and worked out well for me by not having to worry about paying it until I passed away or sold the home, in which they would be paid in full. It was explained so everyone understood. They were here for over 2 hours.. This has been in effect since approx. XX/XX/XXXX-XX/XX/XXXX. They had me paying XXXX a month for taxes and insurance, that went in to an escrow account for them as I was paying those myself. It set up an escrow acct for almost XXXX dollars. that they have. I have been paying the taxes and Ins myself, so the excrow money has not had to be touched.. Every couple years they send me paperwork, asking me if everything was the same, and I would answer yes, it is all the same, since we have not had a cost of living raise in ages.. THis past XX/XX/XXXX, they actually sent a man up ( my neighbors actually noticed hi sitting outside my house and approached him asking him what he was doing. My neighbors are very protective of me as they know I live alone and am XXXX, so thank god for them all. they take very good care of me! The man from chase bank finally came up to the door, when he saw me outside in XX/XX/XXXX. I introduced myself to him and asked him if he wanted to come in and see the house, which he declined. Then XXXX XXXX from chase bank called about a week later, leaving a message saying for me to call her at a number she left ... then added : nevermind, disregard this call '', as the man from the bank said everything was fine, since they knew I was living in the house, nothing had changed and everything was fine. Then last week, I received a phone call from chase bank, asking if I wanted to keep the house ( which I had just told them I DID a few weeks before?! ) I told them I had a special program they made just for me and gave them the list of all the people who I had worked with from XXXX XXXX to XXXX paycheck and the man who drove up from calif. who all just approvedit. Even though it does n't have to be pre approved unless there is a change in my income, which therehas not been because we have not received any XXXX raisings in a decade. XXXX XXXX said whe I called, that the program I was n did not exist, and I said it most certainly did as I had been a part of it for many years. She argued with me that it did not and that they wanted to offer me a modification of XXXX a month and was n't that great?! well yes it would be great, IF I made more than XXXX a month! Remember the whole reason they made this special program for me was because they said I did not make enough money to do a modify I had been trying to do for may years prior when interest was next to nothing and would have been like XXXX a month! I can not afford XXXX. a mnth and pay taxes and ins and buy groceries, my medications and pay my utilities! Thus the special program I am in. Chase bank reported me to the credit beurus and I tokkan awful hit, after working so hard to get my credit built up. They sent me back my payments back for years if I tried to make one, because I am on this special program. They know I am on this and the terms of it are as long as I live in the house or until I sell it. The severe stress of living like this has me so very sick! they know the deal they invented and implemented for my special circumstances, took the money from the GOVT to help me, yet have put me through XXXX time after time. In fact when I told my mom about this last Tuesday, she ended up having a XXXX XXXX!! The stress and worry she suffers worrying about me and the XXXX chase bank keeps putting me through is making us both sich! Chase needs to fix myt credit score by removing what they put on my account about not paying because it is not true under the infinite long term agreement we have had for the past several years. I can not keep going through thisas it makes me sick and my mother sick! and is not fair to us! With a XXXX XXXX like I suffer, staying stress free is vital to my health. My XXXX was XXXX at the dr last week! they wanted to put me in the hospital yet again because of all this XXXX! PLEASE, just honor your own agreement that you came up with and let me live my life in peace. Remove the deroggotory remarks on my credit report and restore it back to wat it was. thankyou! | ||||||
| 09/17/2022 | Yes |
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Web | Older American |
| The bank I am having problems with is Chase. On XX/XX/2022, I got involved in an APP banking scam. I received an email that I had been auto-debited for a service I, actually, use- and, if I didn't want that, I should call for a refund. I called ... and ended up being " hacked '' into believing that $ XXXX had " accidentally '' been transferred into my checking account. And the guy who made the " mistake, '' fearful of losing his job, had a way to get that $ XXXX back to his company without anyone knowing. I just wanted that money OUT of my account, so I said, whatever, let 's just fix this thing. His " way '' was to authorize him to create a XXXX account, by which I would transfer the first $ XXXX of the $ XXXX BACK to his company 's bank XXXX XXXX XXXX XXXX is what I was lead to believe it was ), using a name and email that appeared to be associated with XXXX. Chase canceled that $ XXXX transfer and locked my account. When I called to unlock, of course I told Chase it was a legitimate transfer and should be put through next time it was attempted : that is what I had been lead to believe. Chase told me to wait 2 hours to try again... I told the scammer... and we agreed to meet again in 2 hours. But he came back early and made the XXXX transfer himself. When i discovered this, It took me a long time and a lot of research to figure out what had happened? Eventually, I got enough information to be able to safely say : a ) the scammer " hacked '' a phony c-prompt window for me to see the $ XXXX " accidentally '' get transferred, b ) then, he " hacked '' a phony XXXX " statement '' with over $ XXXX in it, so I'd think that's where my refund was coming from ( and where the $ XXXX was going back to ) and ( this was the hardest one to figure out ), c ) the scammer " hacked '' into the javascript of my Chase checking page, where he changed my balance to appear to be increased by $ XXXX, and added a transaction line indicating a $ XXXX deposit. When I called Chase Fraud about the scam, before I could even think about reimbursements, I was tersely informed it wasn't Chase 's problem ( though maybe I should ask XXXX they might give me my money back ). Well, I think it IS their problem so, since the woman at Chase Fraud wasn't interested, I sent the details of the incident to Chase ( via XXXX ). The next day ( XX/XX/XXXX ), I received a short letter from Chase informing me that I'd been in a " discussion '' and had made an " agreement '' and Chase wasn't going to do anything for me, so... case closed. All news to me. I, then, wrote to Chase Corporate, twice. The second one was a week ago, but ... no response. Which is why I am, now, here. To say : I believe Chase owes me a $ XXXX reimbursement ... because Chase failed to protect me from this scammer. And I say this because : Chase 's " protection '' seems to be in the " canceling/locking/questioning legitimacy '' process. The problem is, that process works against only one type of scam : the one where the customer doesn't know someone is in their account. Canceling and asking about the transfer, in that case, informs the customer there is a problem and immediately allows them to fix it. But that " protection '' doesn't address APP scams in any way : APP scams are all about making the victim an active participant in the scam. So, asking me if I authorized the transfer is useless : of course I do. I've been " hacked '' into believing a non-reality. And Chase should be aware of this : they are the one with the " experts '' to advise them on how to protect their customers. So why haven't they upgraded their " protection '' to address APP scams, too? In fact, in my letters to Corporate, I have suggested that, if Chase really wants to protect its customers from EVERY scam, they need to become aggressively pro-active : they need to provide information. Such as " We have canceled this money transfer because large money transfers have been found to indicate a possible bank scam in progress. '' That would give the customer information enough to stop and consider the possibility that they're not seeing things straight : that what they think they're doing may not be what they really ARE doing. I know for a fact that, had Chase said that to me, I would NOT have lost my $ XXXX. I would have stopped and said, " Wait a minute ... '' and started figuring out how ever did I get to THAT place to do THAT thing I was doing. Just a little information of which average customers are not aware : that, when your money is involved, there very well might be bad people trying to do bad things to get it from you. We're at a time in history where, for their own self-defense, people need to be informed, made aware. So they don't go blindly down the wrong path ... that some scammer has glad-handed them to. Additionally, I'd like to point out that Chase 's " protection '' protocol is so weak ... the scammer I dealt with actually USED it in his scam. To wit : that first money transfer was the " set up '' for him to move the second one smoothly through the Chase system. In other words, canceling the first transfer actually " opened the door '' for the second, REAL transfer to just mosey on through. So, if for no other reason than protecting ITSELF from scammers making it look weak and gormless, I'd think Chase would start using their " experts '' to figure out some new ways to, not just be better " husbands '' to their customers ' money, but to surprise- and foil- these APP hacker/scammers. [ I have attached a copy of the last letter I sent to Chase Corporate ; a copy of the Chase " denial '' letter ; and a screenshot of the phony c-prompt window " created '' ( hacked ) for me to see the $ XXXX transfer. ] | ||||||
| 05/31/2021 | Yes |
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| The high level complaint that I have is about Chase Bank doing a very poor job of opening up a bank account with people planning and acting a vehicle sales scam. This poor management by Chase Bank is harboring bad people scamming innocent people. Below explains my situation of a vehicle sales scam that I encountered by an independent dealer called XXXX XXXX known as a business entity of XXXX XXXX XXXX XXXX XXXX XXXX who used Chase Bank to scam money. I was shopping for a used XXXX XXXX XXXX vehicle to purchase for my wife. One of the websites that I searched was at the XXXX XXXX XXXX website. I found an ad from XXXX XXXX for a 2019 XXXX XXXX XXXX XXXX model priced at {$74000.00} and the website address is https : XXXX ( note that it take a while for the webpage to load up ). I called their main contact number and spoke with their Internet Sales person named XXXX XXXX. We had phone conversation and email exchanges to verify the vehicle 's model, year, and features. They also provided me a XXXX XXXX report as well. Once the vehicle info was verified, we reached an agreement of the sales price of {$74000.00} which included the delivery of the vehicle to me as XXXX XXXX was located in XXXX, Louisiana, and I live in XXXX, California. The agreement was that I would wire the money to their bank ( Chase Bank ) and once the money is received, they would deliver the vehicle to me in 7 days after the receipt of money. XXXX XXXX business entity is XXXX XXXX XXXX dba XXXX XXXX. I spoke via phone call and email with XXXX XXXX ( Internet Sales Manager ), and he provided me with XXXX XXXX business license, Chase Bank account number and wire transfer routing number, Sales Agreement, Vehicle Order, and Commercial Invoice. Once I had reviewed these document info, I went to my XXXX XXXX XXXX online website and executed the transfer of Money for amount of {$74000.00} to XXXX XXXX bank ( Chase Bank ) on XX/XX/XXXX. It was confirmed on XX/XX/XXXX by Nolas Autos that the money had successfully transferred to their bank ( Chase Bank ). XXXX XXXX communicated to me that the 2019 XXXX XXXX XXXX Performance Model will be delivered on Friday XXXX XX/XX/XXXX ). They indicated that on the morning of XX/XX/XXXX that I would receive a phone call from their delivery truck driver to arrange the delivery of the vehicle to my house. On XX/XX/XXXX morning at XXXX, I received a call from their delivery truck driver, XXXX XXXX indicating that the vehicle delivery was delayed to Monday XX/XX/XXXX due to a delay of one vehicle that they were supposed to pick up in Colorado on their way to my house. Thus, I waited until that following Monday the XX/XX/XXXX. When Monday came, I sent an email to XXXX XXXX asking them to confirm the delivery of the vehicle on Monday, and XXXX responded back to my email confirming of the delivery. To my surprise, the vehicle was never delivered and their delivery truck driver never called me to arrange the delivery. On Tuesday XXXX XX/XX/XXXX ), I called the XXXX XXXX main number, and XXXX XXXX picked up the call. She explained that she doesn't know why the delivery did not happened and that she will check with XXXX and will call me back. She never called me back, and both XXXX and XXXX can not be reached as they will not pick up the call when I call their main number and I would continually get their busy signal. I sent emails to both, and no response from them. To this day, I am still not able to get hold of them. After this incident, I conducted in depth XXXX search of XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX this was a name on their business license ). From this search, I was able to find XXXX XXXX as the General Manager of XXXX XXXX XXXX dealer. I found XXXX XXXX contact info at XXXX and managed to connect with him. The real " XXXX XXXX '' explained to me about XXXX XXXX scam as there were several victims as the scammers were using the name of XXXX XXXX which had closed for business back in 2019. The scammers were also using XXXX XXXX identity for their scams. The real " XXXX XXXX '' advised me to contact the XXXX XXXX Police station and indicated that there is a detective who knows of the XXXX XXXX scam. I reported this to my local police department, and they managed to speak with XXXX police and informed me that the Detective Detective XXXX XXXX at XXXX is familiar with XXXX XXXX scam and she attested of the identify theft and usage of closed down XXXX XXXX that the scammers are using. I would like to reiterate that the Chase Bank needs to conduct a proper and thorough due diligence when opening up a business account for their customer. In the XXXX XXXX scam that I experience which costed me a huge amount of money, the scammers used a fake business license and stolen identity name of XXXX XXXX. If Chase Bank performs a proper validation of business license and validation of scammers names and identity, this would prevent scammers using such a large bank corporation as Chase Bank to scam people 's money. In the scam incident that I encountered, I trusted the large bank such as the Chase Bank when an independent dealer utilizes Chase Bank 's services as if it was some unknown bank, then I would have felt very suspicious and would have avoided such monetary transaction. For this scam incident, I have reported this incident to XXXX California Police. The office who took my report info is the following : Report # XXXX Police Officer : XXXX XXXX, # XXXX Email : XXXX Phone # ; XXXX The XXXX XXXX Police is also very familiar with this XXXX XXXX scam incidents are there were may victims. The detective who is familiar with this scam is the following person : Detective XXXX XXXX Office Number : XXXX | ||||||
| 07/07/2023 | Yes |
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| I was using Chase for my XXXX Checking account for about a year before this issue happened. I have also been using my current payment processor for over a year at this point with no issues. I run a XXXX XXXX that does XXXX XXXX XXXX for other businesses and organizations. On XX/XX/XXXX a deposit was made through my payment processor for a total of {$5000.00}, a hold was placed on my deposit for 10 days. On the XXXX day ( XX/XX/XXXX ) I called customer service to see if the hold would be released that day or if I needed to wait until the end of the day. The customer service person put me on hold to look into it, however, this hold was longer than usual. He then comes back after about 10 minutes and tells me that Chase has reviewed my account and at this time decided to close it. I was not told any information other than " Chase reviewed your account and decided to close it '' and " We will send you a check no later than 10 days in the mail with the funds in the account ''. I was completely in shock, but everything seemed to be routine and I was not rude. However, after going back and forth with the man and getting no other answer other than Chase has reviewed your account and decided to close it '' I decided to hang up and just accept my luck ; which was missing payroll for my employees and being late to pay rent. On XX/XX/XXXX ( 11 days ) that check had not arrived and I decided to call customer service. This time, I was rerouted this time over to the fraud department instead of general customer service which deals with closed accounts. This fraud department representative was not nice or helpful. Instead, she repeatedly talked over me and accused me of stealing a check ( the last deposit ) from the account. She told me that Chase would not only keep the {$5000.00} in question but also all of the money in my account because they couldn't get ahold of the person who owns the business via phone call during their normal bank hours. I gave them the cell phone number of the business owner and any other information I could to help verify it, however, the rep hung up in my face. 2 days after that encounter I got a call from the Banker who originally set up my account and he was trying to upsell me credit cards and loans. I politely told him that Chase had closed my account and was refusing to issue me the money and to help me out. He was startled and shocked by this information and put me on hold to look into it, however, the call was " disconnected '' ( though I'm sure he just hung up on me ). I called back. No answer. I left a voicemail on his office voicemail. No return call. I called the Chase Fraud department again and this time I got someone who was a lot nice, and told me that Chase needs to verify that everything is legitimate and that I need to take all my info to a Branch that way they can call the fraud department with me in the room and verify all my info. After that, I decided to visit the brand closest to my new XXXX downtown. I walked in an hour and a half before the branch closed with all my identifying information, XXXX information, customer contact information, signed contracts, and client communications, ready to show someone at the branch that could call and verify. There were 3 bankers sitting around laughing and talking " personally '' amongst themselves. There were no other customers in the building. However the manager, after learning that I need help calling fraud, told me that they were done working for the day and instead I should drive 15 minutes up the street and see if the next branch would take me. There was an hour and a half before closing and I was turned away because that branch had decided calling fraud would be too much work. A few days after this I decided to go in early to the branch that set the account up ( the same guy that didn't call me back ) and just meet him in the office and ask him to take care of me. I gave him all the information I had, showed him the communication and signed contracts and payment authorization forms. He got on the phone with the fraud department, however, this time the fraud department told me that they didn't care about any signed information and instead needed to speak to the person who paid me the {$5000.00} directly before they could release any of th money on my account. I explained to the fraud department and the banker that I had the signed necessary forms, customer communications, and authorizations, however getting someone very busy, that runs a multi-million dollar business on the phone to talk to my bank during normal bank hours would be hard. I explained that not only was this entire situation very unprofessional looking on me, but most of my communication with him happens after hours. Regardless the fraud department did not care or have another way to verify it. I tried calling the client myself during my time at the branch and of course, he was unable to answer. I then gave up again and decided to leave. I later got ahold of my client and explained to him to be on the lookout for a call from the chase, but my client has since informed me that he hasn't received a call. I run a XXXX XXXX and have done so for years. I have had previous bank accounts with other institutes, and this is the first time this has ever happened to me. This has been disastrous for my XXXX. I almost had to shut down my doors, and I have yet to fully recover from this issue. I can understand holding funds out of suspicion, however, there is no reason to hold funds after a check has cleared, and certainly not all of the funds in the account that is not in question. Chase bank is very unprofessional at multiple different levels. | ||||||
| 10/07/2021 | Yes |
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| First thing in the morning as I was just waking up on XX/XX/XXXX I got an official looking text from " Chase Fraud Prevention '' telling me some suspicious activity had been identified and that a fraud prevention specialist would be calling. I've received such messages before and I have had my Chase account hacked through XXXX before so this felt familiar and seemed legitimate. The " agent '' called shortly after and began to walk me through steps to protect my money, and said there were several attempts to get larger sums of money from my account via XXXX transactions. This did happen to me previously so again, it seemed totally plausible. They were not legitimate so I walked through the process with him. He spoke very professionally and calmly and did not raise my suspicion. He asked me to move my money in order to protect it, by having me look for myself in my XXXX and I found myself so that seemed to make sense but was starting to seem odd. He had me move the entire balance of XXXX ostensibly to myself. I noticed another name under my name just as I hit send and realized in that moment he had scammed me. Follow up : I immediately called Chase Bank to report it and ask them to intercept the transaction. It took me two hours and several attempts to get through to someone live at Chase. When I did I was speaking to someone on the other side of the world through a horrible connection. It was so unprofessional and incredibly frustrating. When I finally got someone on the phone, I filed a fraud report and was told it would be resolved within 10 days. The last time a fraud happened the money was returned and I assumed it would be again. They told me to report it to XXXX as well. I called XXXX and also had a hard time getting someone live on the phone. They were however much more professional when I did. I was told that money is like cash through XXXX and once it's out of hand it's gone. I asked them to look at the account it went to and they claimed they had no way to look at the account and that there was no account under my email address. There is a number attached to the transaction and that's all I have : XXXX. I believe that the scammer opened an account, got me to give them a security code that came from an official looking email, had me send the money there, which went into their account, and then immediately closed the XXXX account. For XXXX to say they have absolutely no record of this is LUDICROUS. These scams ( now I have realized ) have been going on for a long time and it is not acceptable that XXXX has not worked to figure out a way to hold money for 24 hours, or some way to protect consumers with the banks. They take no responsibility whatsoever and seem to think they don't have to even track transactions and where they go. This is criminal. Of course these scammers continue to get people. It should also be an alarm for a bank if suddenly, after normal activity, every XXXX is emptied from an account. I didn't hear from Chase so finally called after two weeks and I was informed that no fraud happened and I would not get the money back. They said the claim was closed. I wanted to know why this person knew my personal info, like my email address, my phone number and that I had a Chase account. Today ( XX/XX/XXXX ) less than two months later I have several more fraudulent purchases on my Chase account that I called to report after going into a branch and asking that the fees be reversed, which put the account in the red since there is no money in it now. They almost laughed at me for claiming this was a fraud and seemed to know nothing of the long history Chase has of scams and frauds -- and didn't care. I came home to call Chase once again, was hung up on, not able to get through to a person again, had a poor connection. Truly horrible customer service. When I spoke to someone he took a new report of the new fraudulent transactions ( 5 of them on XXXX, XXXX, and XXXX ) and then he transferred me to the Chase Online Team to inquire about the previous {$3400.00} that had not been recovered. All of these transactions are with companies I don't do business with including XXXX XXXX XXXX. I waited over an hour to talk to someone and after he put me on hold to go find out what happened, I was hung up on again with no answers. I am exhausted from this and the amount of wasted time trying to just have and complete a conversation is not time I have to waste. Seeing that I have had only fraud on my account for the last two months because I have not used the account at all, tells me there is a security breach. I have my debit card. I do not carry it most of the time because this account is for a special project and we spend money infrequently via a debit card. This breach is on their end. Not only do both Chase and XXXX take no responsibility for these scams, it is very difficult to actually talk to someone at Chase because of their horrible technology, long wait times, and common practice of hanging up on people and then not calling us back. This needs to be resolved. They need to put things in place to protect their customers whether that is a waiting period before moving money, a way to confirm where it is going or something that is not so immediate and so mysterious that nothing can be tracked or taken back, even seconds later. Both Chase and XXXX have some responsibility here. I know that I was scammed and unknowingly opened myself up to fraud. And that there is absolutely no recourse is truly criminal. Please make these big banks and XXXX create new measures to protect consumers. I think we can all manage a short 24 or 48-hour waiting period if it means protecting our money. | ||||||
| 09/11/2023 | Yes |
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| On or around XX/XX/2023 I called Chase credit card company to get the final pay out on my card. I spoke with someone on the phone and explained that I wanted to get the " final pay off amount so that I could officially close this account and be done. '' The individual gave me the payoff amount of {$15000.00}. I reiterated numerous times, " Is this the final amount? If I cut a check for {$15000.00} then I am done, correct? " The answer was repeatedly, " Yes. '' There was no additional information provided -- which is important to point out. There was no education on the phone that {$15000.00} is what the amount was that day but of course they wouldn't be receiving the check for a number of days and that it could be more due to fees and interest, and that I should add extra money to the check. I've since learned this and am calling out that even though I pressed " Is this the final amount to close out the account? '' The customer service rep said yes, knowing that unless I was wiring the money, the number given to me over the phone wouldn't be correct by the time they received the check. According to XXXX XXXX XXXX online bill pay ( whom we use ) a check in the amount of {$15000.00} was initiatied on XX/XX/XXXX and cut on XX/XX/XXXX. After that day, I assumed I was in the clear and had officially met our debt obligations on the account. {$15000.00} is a lot of money to pay off when we'd been paying {$1000.00} a month for months. I was so excited to be clear of that debt. Furthermore, I would like to also point out that the account was already CLOSED. They had closed it a while back because we were in default. So, the fact that we were paying incremental amounts to stay in good standing ( if that's what you want to call it ) and then to call and ask for final close out amount -- Chase could see that we were trying to do the right thing. I do acknowledge that I may have received mail from Chase in the following months and assumed it was junk mail. I had paid off the bill and didn't want to open another account with them -- ever. In late XXXX I received correspondence from Chase and decided to open it. " We want to work with you to bring your account up to date. '' Is what the headline read. I was perplexed and saw that it said we owed {$250.00}. For what!?!??! I immediately called the number : XXXX And that's when the odyssy began. That's when I was told about the interest and how the {$15000.00} amount was only valid that day and that I would be accruing interest daily, etc. I then asked why no one told me this -- they said it was in the fine print. WHO READS THE FINE PRINT? I told them that I had repeatedly asked the person on the phone when I called in XXXX for the final payout amount, etc. The person on the phone never once said anything about additional interest, etc. I didn't understand how anyone could get out of this pickle. If you write a check for what the statement said, by the time they receive it, there would be more interest. It would become this vicious cycle. I explained this and after getting transferred to a bunch of different people I learned that in order to get out of this pickle I would need to write a check for more. For more? Ludicrous. I looked back at the " We want to work with you '' letter and nowhere on the form does it say " Your bill is {$250.00} but tomorrow it will be more so why don't you just cut us a check for {$300.00} and we'll see where we net out. '' That's what this has come down to me. I couldn't believe it. What's the point of sending a statement when it's wrong as soon as the statement is printed? So, I continue to argue and get to the bottom of this debacle and then this woman on the phone tells me that my bill is {$250.00}. My blood ran cold. I asked her to repeat it again. {$250.00} That is not what it said in the letter I received from Chase. It stated {$250.00} ONE XXXX OFF. I continued to argue with her. She sees XXXX and I see XXXX. Sure, it's one XXXX, what's the issue? The issue is that if they do this for hundreds of thousands of customers, then this vicious cycle continues and it's more money in their pockets. If I was to wire {$250.00}, my account would still be in default. It would not be paid in full and this process would continue. I received the statement in the mail -- the one that the woman was seeing online. Yet, she didn't see the one that I had. It's clear as day. One XXXX off. I went ahead and issued another check through XXXX XXXX XXXX for {$300.00} and am awaiting my " refund / overage. '' My beef about all of this is two-fold. 1. Customer service reps should communicate the need to add additional money to a pay off amount and educate customers when they ask for a pay off amount. Otherwise, customers will be forced into this vicious cycle of never being able ot pay off their account because of daily interest and fees. I WANT TRANSPARENCY IN CUSTOMER REP COMMUNICATION WITH CUSTOMERS. IF SOMEONE CALLS FOR A PAY OFF AMOUNT, EDUCATE THE CUSTOMER ON WHAT NEEDS TO HAPPEN TO PAY IT OFF IN FULL. 2. Their statements are OFF. Not cool. I think it's kind of slimy and a small way they can take advantage of people. Sure, one XXXX, but if you multiple this over thousands of people ... it's interest in their pockets. I WANT SOMEONE TO LOOK AT THEIR BILLING PROCESS AND SEE WHERE THE ERROR BEGAN AND FIX IT SO THAT OTHERS DO NOT RUN INTO THIS. I WOULD LIKE ALL FEES REFUNDED TO ME. WHICH, WOULD BE {$250.00} + WHATEVER DAILY FEES I INCURRED. I WILL SOON LEARN ONCE I RECEIVE THE REFUND CHECK BACK. 3. Please pull the call logs to listen to my interactions with the rep in XXXX and again in XXXX ( with multiple reps ). | ||||||
| 11/08/2022 | Yes |
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| XX/XX/XXXX Called and spoke with Chase regarding a mortgage of a farm property, that is currently in my late mothers trust in which I am trustee. I called to refinance exhausting mortgage loan and get cash out equity to pay off my sibling of the share shes entitled. On this date I discussed with the lender my options and provided my social security number, and other details to lock in rate. XXXX weeks later I decided to move forward after looking around at rates and comparison shopping. Chase appeared to be the best at the time as I already have a banking relationship with them. Therefore I moved forward with another loan XXXX as the first XXXX no longer was listed as my loan consultant after speaking with him nearly XXXX hours during the initial interaction on XX/XX/XXXX. Therefore, I updated the latest person assigned to my application and told her if my wish to move forward again with mention of refinancing a XXXX XXXX. The information was submitted and approved. Payment was made of {$500.00}. Then at this time I was assigned another contact who would be working with me through the process. I had several interactions with the representative and provided all appropriate information including the mortgage lien that was requested and that I needed to obtain from another lender. This information was obtained and sent. The appraisal was then ordered and completed by a man who also was an appraiser and a farm owner himself and familiar with farms. I at this point was very happy that chase would actually get an appraiser that was familiar. However, the appraisal was then sent back to the lender, and at this point I was still approved. Then I received a call from the original mortgage lender representative that the loan could not be granted as it was in a trust. She was informed that yes the land is in a trust but I would be refinancing it and taking the property out of the trust in which my sister and I are beneficiaries. She understood and appeared glad to hear this and this is as the last I heard from anyone at Chase. Then about XXXX week later now being almost the end of XXXX. I login to the chase mortgage portal and see that my application has been closed, and at this time no one informed me of this. I emailed for the status and the representative said we are so sorry we dont loan mortgages on Farms and the appraisal identified the property as a farm. I was absolutely so very upset. However, while the property came in at over and above XXXX the denial says value type, place value or condition of collateral is insufficient. However, its not insufficient, and this is a lie, as the mortgage broker informed me in an email they dont loan mortgages on farms. Therefore my mortgage application was closed on XX/XX/XXXX and I was not informed by the bank of this at all, until I personally logged in to check the status to see the application was closed. Therefore, I feel mislead, by the mortgage services that Chase Bank is offering, furthermore I fully disclosed all information to them upfront and informing them the property was a Farm, and they dont even loan to farms, therefore I was mislead and caused undue heartache, and anxiety from them leading me down a path that clearly in my mind would never be successful, as they dont loan on farm properties. Chase was furnished with property tax information, property deeds, copies of the trust agreement, among many other documents, and no where did they mention this would be an issue. However after months of going through the process I was denied due to their misrepresentation, and poor service. Now rates are XXXX percent, and now I probably cant even afford to save the farm as I had wished. All due to Chase and them leading me down a path to end with denial, which they could have informed me of way before underwriting, when they knew exactly what type of property in which was being discussed for mortgage lending purposes. Furthermore, Chase closed my application with no fault to me and yet still has not refunded the initial {$500.00} fee that was collected, that was cover costs if I backed out of the mortgage process. However, I did not, but they backed out on me, and yet still have not received any refund, and Its now XXXX. I am still very upset regarding this entire situation, and how this company discriminates against farmers, and lies to them by leading them down a rabbit hole to denial if they apply for a mortgage, and their staff and website have no information regarding this thats at least easily assessable, as to me this is my single family home, but because of the size I guess its not a home? Chase could have been more upfront regarding this and informed me to seek out services of another lender that lended on a farm property, as clearly I did not know there was a difference as my primary home is on the family farm. Furthermore my income and assets furthermore show XXXX more than qualified for the loan. Yet the application was denied all in a quick, hush-hush fashion with little to no explanation and or anyone even reaching out to me. Truly morally wrong. Chase really needs to look at their moral ethics and values as a company as they are lacking in great regard. This truly hurts consumers at the end of the day, and this experience really shows it. I have XXXX trust in Chase after this experience regarding their banking, and lending institution. Furthermore, Im embarrassed of their treatment of XXXX XXXX, and their disregard for any and all family farms, and their lending principals that exclude lending to agricultural farm properties. However, most of all the upsetting part is their unwillingness to be upfront about these practices. | ||||||
| 09/05/2022 | Yes |
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| Below are descriptions of my and my Dad 's recent experience with XXXX XXXX XXXX : My father, XXXX XXXX, wrote a check to me, XXXX XXXX, on XX/XX/XXXX. It was a gift for having bought a house in XXXX. My husband and I currently use an online bank called XXXX XXXX ; this bank has a monthly deposit limit of {$2000.00}. Therefore, I would be unable to deposit the check that my dad gave me, in this online account. As a result, my husband, XXXX XXXX, and I opened two joint checking accounts and one joint savings account with Chase on XX/XX/XXXX. I can provide account numbers, if it is pertinent to the investigation. When we were in the process of getting our new accounts set up with Chase ( which was done in-person at the Chase Bank on XXXX XXXX XXXX. XXXX, TX XXXX ), we were advised to try and get our direct deposit transferred to Chase, as well as to make sure to keep a minimum balance. We knew it might take a few days to have our direct deposit transferred from One to Chase, so we went ahead and deposited the check that my father wrote to me, in our Chase savings account. I attempted to log into my Chase account a few days later, and I received an error message indicating that they locked [ my ] account due to suspicious activity. When I called to find out what the issue was, the customer service representative informed me that Chase no longer wanted to do business with [ me ], and that my account would be closed. I was left confused and panicked, and I had been treated as if I were a criminal. Since that day, I have spent several hours speaking with Chase customer service representatives, wondering what can be done about the {$15000.00} check that had been cashed by Chase, and the funds have never been released to the intended recipient. The customer service representatives have given me different answers each time. First, they told me that the check would be overnighted to me once the account had been closed. Then, that they would have to run my fathers number through a verification process, that my father would have to come to XXXX and go in-person to a Chase branch XXXX and that if Chase was unable to verify my fathers identity, the money would go to the state in 2 years. Believe it or not, through research, I have come to find stories of other former Chase customers with the same experience. One woman had transferred all of her money into her new Chase account, and after it was locked and closed, she had to sell most of her possessions in order to survive. Please thoroughly investigate this matter. You will find that Chase is clearly the party committing fraud, not me. ____________________________________ I, XXXX XXXX, wrote a check to my daughter, XXXX XXXX, on XX/XX/XXXX. The check was a gift to my daughter. She told me that she had only an on-line account, so to deposit the check she would have to open an account at a bank near her home in XXXX, Texas. She opened an account at a local JP Morgan Chase branch. After she opened both savings and checking accounts at Chase, they notified that the check was being held because Chase was not able to identify me. The check I wrote was on my XXXX XXXX XXXX ( BOA ) account that I have had in good standing for over 30 years. When she checked again on the status of her Chase account the branch told her that my check was now being held due to suspected fraud. I then reviewed my XXXX XXXX XXXX account information and noted that Chase had already cashed my check. When I checked with XXXX, they told me that Chase in fact had my money and there was nothing they could do to help. Chase successfully cashed my check on XX/XX/XXXX. The check was valid, otherwise XXXX would not have transferred the funds to Chase. I asked my daughter to find out what Chase wanted or needed to resolve this, and they asked for my telephone number. She gave them my number, which is a XXXX telephone number, and they said this number was a bad number. It is not. I am retired and travel quite a bit. I have an apartment in XXXX, for example, and spend time there. Shortly after I gave my daughter the check, I left XXXX for XXXX, where I am now. I do not have a cell phone contract with a major company in the U.S. I found that using the internet is sufficient and cheaper. My daughter and I then tried to clear this up with the Fraud Department at Chase. First, I suggested that Chase just reverse the transfer and return the money to me at XXXX. They refused. After several conversations by each of us and then together in a conference call, we were asked to present account numbersmy daughters accounts recently opened as well as a business account I have with a partner in XXXX so that Chase could identify us and clear up this nightmare. We were told that was not good enough. I offered the Chase representative to call me on my telephone number in a video call so that they could see me and that I would present my Passport, Drivers license and whatever they needed. We were told that they would not or could not do that. Then I suggested that I could go to a Chase branch in XXXX where I may be traveling next month and present all my identification documents. The Chase representative said that may work but she was not sure. Then I asked whether my daughter would have to be there, and she thought for a moment and said YES. I was incredulous. I said : you mean to tell me that the only way we can clear this up is to go to a branch with my daughter in XXXX? And she that may work. When I asked what they were planning to do with my money, they said that they will hold it for two years and then give it away! Give it away to whom? It appears to me that Chase is the party committing fraud. | ||||||
| 04/15/2021 | Yes |
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| On XX/XX/2021, I scheduled 2 appoints to have my in laws complete a Rapid COVID test to allow them to fly internationally back home. I received two emails and text notifications of their appointments and headed to the location. The first individual in the line collected two separate payments of {$140.00} from us and asked us to pull forward. When we rolled down the windows I asked when the test results would be back because my in-laws will be flying out the next day on XX/XX/2021. The individual said this is not a PCR test and I should confirm they will accept the RAPID test results for flying before they do the test. I looked online further at the requirements and the country they were flying to require the test be a PCR test. The manager, who was next to this lady speaking to us said that he will cancel the appointments and send me a refund. The refund was processed for 2 transactions, but appeared to have the same reference code. I didnt notice it as we were in a line of cars and needed to move forward. I went home and signed online to my Chase credit card account and confirmed there was only one credit returned. I waited 24 hours to ensure the credit wasnt going to post overnight and then decided to call the merchant when I confirmed the second refund was not posted. On XX/XX/2021, I contacted the merchant, who was very helpful but advised that since it was a Saturday she would have to take my information down and have a manager call me back Monday-Friday. I still did not hear back from the merchant so on XX/XX/XXXX, I made a dispute as services were not rendered for one of the transactions that was not credited back to me. At this time, I explained to Chase bank the same details above and advised that I had all the cancellation details and dates and would be able to provide them, if needed. The agent let me know nothing was needed other than an explanation and she continued with a dispute. On XX/XX/2021, I looked at my account online and noticed the funds were removed from my account and the claim had been denied because the merchant issued credit. I contacted the claims department again and let them know I only received credit for one appointment, and wanted to know why it could be denied if they confirmed the merchant did not issue credit on the other transaction? The agent let me know the first person who filed the dispute, did so on the transaction the merchant already credited me and advised she would file a new dispute on the other transaction I did not get credit on. Today, XX/XX/2021, I received an email that more information was needed and I needed to contact Chase claims disputes at XXXX. I called and spoke with XXXX and asked her what she needed from me and she let me know I would get a letter in the mail. At this point I was feeling very frustrated that with the account relationship we have, and the one time I need something from my bank, they werent able to step up and help me with this situation. Instead, they continue to put the responsibilities of resolving the issue in my hands, but never accept the offer of taking any of the confirmation emails I have to support my claim. As long as I have been a customer of chase, I have never filed a dispute for any transaction. I have numerous consumer products and credit products that have never missed a payment or been delinquent. I hold a very substantial balance in my account and it remains there throughout the year just building. I understand Chase bank is a large bank, but is this really how you treat your customers and inconvenience them over and over and over for {$140.00}? I have offered on numerous occasions to provide supporting documentation to provide to VISA for this dispute and no one has been willing to accept it. Instead my claims are closed, emails are sent asking me to call in and to provide information, and then nothing is collected on those calls. I am not a thief, I am asking for a refund of a transaction I received no services for and can provide proof of that. Are you not willing to hold onto a decent customer for {$140.00}? I would like my bank to take some initiative and step up to help resolve this issue instead of asking me to run around in circles. You have a very flawed process here that needs to be looked at. Whats even worse was when I was moved over to a supervisor ( XXXX ) .The supervisor had a very condescending tone like it wasnt his problem. I mentioned over and over to him and to the previous agent I wasnt upset with them, but more so the process and what I have been going through to get it resolved. XXXX did not seem to care to help further until I asked for a way to have my complaint documented and moved to a complaints team. XXXX then said he was only able to provide me with an address. No email, no phone, and no online link to log my concern in a timely manner. Time is important to me. I asked XXXX again if there was anything he could help me with since I was directed by Chase bank to call in, but nothing happened on the call. XXXX placed me on hold and advised he reopened my claim disputed it again and would provide provisional credit in 7-10 days. I asked why it was closed if the previous agent said it was open and the reason for my call was to call in and provide additional information? XXXX was not able to provide that reason to me, but advised again that he reopened it. At this point I have an issue with all account entries and debits related to this issue and ultimately, I want this resolved to stop this mess on my account. Please provide a resolution to this mess as soon as possible or let me know my relationship doesnt matter and we will move everything to a competitor. | ||||||
| 07/23/2018 | Yes |
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| Attn : Chase- Escalation Management Services Investor : XXXX XXXX XXXX XXXX as Trustee XXXX XXXX XXXX XXXX- Escalation Management Services QUALIFIED WRITTEN REQUEST BACKGROUND In letter dated, XX/XX/XXXX from Chase- Escalation Management Services ( attached ), it states that on XX/XX/XXXX, my retention review of this known NON-OWNER OCCUPIED property was complete, and no retention options could be extended to me on this ADJUSTABLE RATE MORTGAGE. However, I was conditionally approved for a Standard Short Sale or Deed- In- Lieu. At that time, I was advised that the actual investor- XXXX XXXX XXXX XXXX as Trustee. I advised Chase, which they confirm, that I would be pursuing the Standard Short Sale option and made the necessary arrangements as 1 ) the adjustable rate mortgage was set to increasing again on XX/XX/XXXX and 2 ) the tenants had damaged the property to a degree that repair is cost preventative for me. The lease was not renewed with the tenants that had damaged the property and they moved out on XX/XX/XXXX. This property is no longer generating income and I have failed to make the mortgage payment dated XX/XX/XXXX and XX/XX/XXXX due to an income deficit. According to my calculations, I am coming up on 60 days delinquency with the Chase Mortgage. The property was listed on the Multiple Listing Service ( MLS ) on XX/XX/XXXX through my real estate agent who is authored to speak with Chase on the account : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, we accepted and offer for {$170000.00} and I successfully faxed Chase Relationship Manager XXXX XXXX XXXX that we had a Short Sale offer with the attached application and the necessary documents per the XX/XX/XXXX letter. I received the letter dated XX/XX/XXXX ( attached ) from Chase advising that we needed to provide Document Instructions, Real estate commissions and the Closing Disclosure Form. This information is being processed by the XXXX XXXX XXXX. In a separate letter dated XX/XX/XXXX, I was advised that my new Relationship Manager with Chase is XXXX XXXX XXXX. On XX/XX/XXXX, Realtor XXXX XXXX received telephone call from Chase RM XXXX XXXX XXXX advising that the Standard Short Sale is being denied because it is not owner occupied. This is a fact that has been known to Chase since I started the entire RETENTION & LIQUIDATION review. On XX/XX/XXXX, I spoke to Chase RM XXXX XXXX XXXX, he said that as the property was not owner occupied, they would not extend a Standard Short Sale and would not review me again till I am 121 day past due. I am assuming this means XX/XX/XXXX. Please confirm. Chase RM XXXX XXXX XXXX stated that I could dispute once I received the letter with the denial. I received that letter dated XX/XX/XXXX on Thursday XX/XX/XXXX via USPS. This is my dispute. QUALIFIED WRITTEN REQUEST The following needs to be answered by the actual investor- XXXXXXXX XXXX XXXXXXXX XXXX as Trustee. Chase Mortgage needs to confirm this information as well with the investor and Second Lien Holder XXXX XXXX/ XXXX XXXX. 1 ) XXXXXXXX XXXX XXXXXXXX XXXX as Trustee - Have you actually reviewed this specific Short Sale? In my telephone conversation with Chase RM XXXX XXXX XXXX, he stated that the Investor Guidelines state that a Non-Owner Occupied Short Sale needs to be 121 days delinquent. He stated that he was unable to review the guidelines further to advised me that a short sale would even be possible if I waited to be the 121 days delinquent, which I assume is XX/XX/XXXX. Please confirm what date the 121 days delinquency occurs. 2 ) Please confirm that this Investor Guideline may be reviewed for exception to be a NON-OWNER OCCUPIED Property. If so, please outline what needs to be provided to complete this review. If not, please specifically outline why a NON-OWNER OCCUPIED property needs to be treated differently than an OWNER OCCUPIED property in regards to your liquidation options. 3 ) We had numerous showings but only three offers before this current offer was accepted. One offer for {$100000.00} ; a second offer for {$120000.00} and the one we accepted for {$170000.00}. The Buyer is working with us to purchase this property, and they advised they need bank approval by XX/XX/XXXX with closing within 30 days. They stated that on XX/XX/XXXX they would offer me an additional 30 days on XX/XX/XXXX to get bank approval if necessary. That will make it 121 days delinquent as of XX/XX/XXXX. Therefore, if we go to 121 days on my end, I need to know that the Short Sale will be considered for the NON-OWNER OCCUPIED property. This needs to be explicitly confirmed that the NON-OWNER OCCUPIED STATUS WILL NOT PREVENT ME FROM SHORT SALE REVIEW AND OFFER. 4 ) What other potential Investor Guidelines will prevent this Short Sale and what do I need to do to explicitly address so that there are no additional surprises and that this Short Sale will be successful? 5 ) The Broker Price Opinion from XX/XX/XXXX is between {$160000.00} and {$170000.00}. This accepted offer {$170000.00}. What else will potentially prevent this Liquidation option and force me into Foreclosure? 6 ) Chase- Escalation Management Services advised in the XX/XX/XXXX letter that they do not review with the Second Lien Holder XXXXXXXX XXXX/ XXXXXXXX XXXX in regards to the Short Sale. In my conversation with XXXX XXXX at XXXX XXXX XXXX XXXX , they advise that they work with directly the Chase Liquidation group for the Short Sale finalization. Please explicitly outline this process and what needs to be done by me and what needs to be done by Chase and or XXXX XXXX XXXX XXXX. | ||||||
| 06/06/2018 | Yes |
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| I would like to file a complaint against the investor on my home mortgage and servicer XXXX XXXX also known as Chase Mortgage. I refinanced in XX/XX/XXXX from a fixed mortgage with the current adjustable mortgage that I have right now. I was not properly disclosed what type of loan this was when I first got the loan. I found out later on that this phone was only supposed to be for short term investment properties not for residential homes in personal use. in XX/XX/XXXX I was approved for a loan modification by the investor because the property was worth only {$400000.00} and my loan was XXXX at a time within a week I signed my documents and since then I have been making monthly mortgage payments on time regardless of my hardship. the loan modification that was given to me turn out to be as bad as the loan itself. when my loan was modified in XX/XX/XXXX I was not giving any principal reduction any favorable interest rate the only thing that seemed okay was the started rate. I truly believe that the investor gave me a loan modification to make sure I stay at the house take care of it until it built Equity again so they can foreclose on me in the future in capitalized on their investment. I applied for a loan modification for XX/XX/XXXX after 6 months Asking for the same document multiple times I received a notice the loan modification was denied and the only offer they had for me was short sale. in their document they also encourages you not make monthly payment since you're in loan modification but that is only a tactic to make sure that you get foreclosed on as soon as possible especially if you missed payments. In XX/XX/XXXX I applied for loan modification now with a nonprofit organization to send all my documents to chase so I have a third party that is looking at my documents. today is XX/XX/XXXX. Chase Mortgage took almost 11 months to just review two months of bank statements and my one XXXX and the income that I receive on monthly basis for my family while I am struggling with my bills. for each document they asked 10 times or more that they don't have it and I had to refax everything all over again. I truly believe that is another tactic of the bank to make sure that you don't make the monthly payment so you are in foreclosure and you do not qualify for loan modification so it is easy for them to foreclose without any problems for them. I have documented all the violation that were done by Chase mortgage and XXXX XXXX my previous loan servicer as an example I will give you a few 1. the loan that I have was only designed for investors not for single-family resident with the teaser rate 2. XXXX XXXX /Chase placed a forced insurance policy on my mortgage without my knowledge and there was a class lawsuit action that was settled for breaking the law and anyone that was a part of the lawsuit action received a settlement and I was not the only victim ( I have all the documents that insurance policy was placed two months before the policy expire for double the price and the market {$2800.00} while the price of the insurance should be no more than {$1300.00} 2.In XX/XX/XXXX not only XXXX did not send me a 60 days notice for the interest rate changes on top of it Chase collected {$1600.00} from me for some type of Advance fees and I did tell the representative I didn't have the money and she said your house will go to foreclosure if you don't pay such face so I had to pay them immediately. again in XX/XX/XXXX I received a letter from Chase including a check only because they were audited and that was a violation and they admitted to making a mistake and collecting the money from me and keeping it in their account. I still have that document. 3. In XX/XX/XXXX again Chase never sent me any notice that my interest rate was going to go high in my monthly mortgage was going to change which is required by law that they must send out a 60 days notice to the homeowner to let them know that their payment will go up. I did not receive such document I only found out that my mortgage went up when I went to chase to make the monthly payment. I have all the paperwork that I will be more than happy to present in court to the judge when we go to court 4. My mortgage file is being audited by an attorney right now and I'm sure he will find other violations in my file that I don't have knowledge of since I'm not the expert on mortgage violation frauds. 5. my health is being affected by the games that are being played by the modification company and they have taken me to a total XXXX and I can not function because of all these problems that chase has caused in my life. I will present everything to the judge and let him make the decision. let me clarify I have made mortgage payments on timely manner to chase for the past 10 years regardless of my hardship and I wanted to live like a normal honest citizen and have a roof over my head but in this case Chase would like to court but it is okay for them to have violation because they're hoping that consumers will not protect themself but I am going to protect myself and I will let the court know about all their violation. like I clarified to XXXX XXXX XXXX modification before I am not short selling my house that is not an option for me. I also make the mortgage payment because I do not want to destroy my credit but they consist on me not making the payment and destroy my whole life so the investor could capitalize on the loan and make me homeless. I am going to court and I will sue them unless Chase does the right thing in modify my loan as they advertise instead of misleading people and actually taking them to foreclosure. | ||||||
| 07/20/2022 | Yes |
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| I would like to file a complaint against Chase fraud claims department due to the following : On XX/XX/XXXX i was stranded in XXXX with my family due to an error that occurred while purchasing my flight ticket to go back home. I used XXXX to find and purchase my ticket as it was a great deal and price was very convenient. As i had entered my card information on the website, i noticed the date of flight was incorrectly selected. My intention was to select my flight in the next 2 days, but got confused with the month of XXXX instead of selecting XXXX. I noticed that before submitting my payment and as i retracted back to select the correct date, the payment still went through and it did not give me a chance to make the change. I thought i wouldn't go through since Chase always sends an alert to me when i make large purchase to make sure its me making the purchase. This time it did not notify me via text message and Chase didn't consider this a fraud and processed the payment. I immediately called the customer service number for XXXX and waited for 1hr to speak to an agent regarding the issue. Because it was less than 24 hours from the transaction, the agent told me i can cancel with a charge or i can change the date for my flight to the correct date for an additional charge to top it off. I agreed to pay the extra charge as i really had to get back home to start work again. The agent told me that there was no flights that could be found for the dates selected. I selected 4 different dates and they had no flights for the days selected. So they basically could not help me to change the flight date and asked me to find a flight with XXXX XXXX on their site and call them back if i found a date that would be convenient for me. I hung up with them and went on the XXXX XXXX website and found many available flight dates that would suite my needs. I called them back to let them know if had found available flight for the date i needed, they told me they couldn't find the dates i had found on the XXXX XXXX site and none of the dates where available. I figured, this is a scam. The agent helping me said that i would have to hurry because wouldn't be able to make changes if i past more than 24 hrs. from the transaction time. I asked the agent what where my options, and the agent said, you can cancel, but you will be charged a fee, i told her that was not my intention and i would just rather change the date because the refund would take too long and i no other money to purchase a new ticket. I hung up to call my bank CHASE JP MORGAN, luckily it was open due to the time zone. Spoke to a representative and told her exactly what happened. She said i shouldn't worry and that they would file a claim and take care of the issue for me and that i would receive a credit on my account but that i also had to call them back and do my diligence and cancel the flight so they can start a refund for me. I followed the Chase representative instructions. I called back to XXXX and i was told something different from the past 2 agents i had spoke to. Basically she said i couldn't cancel because i had past the 24 hours, i told her it is not 24 hours yet, i had literally 4 hours left from the 24 hrs i was told i had to make any changes. So she said basically i had no other choice and that i couldn't change my flight or cancel. I thought to my self this is a scam, i was basically scammed told wrong information from the beginning. of course they don't want to loose, so i had to loose almost {$1000.00} US dollars for a flight ticket that was not used, they profited and I lost. I thought how could this be possible to lose close to {$1000.00}?. But the only think that aleviated the pain in losing the {$1000.00}, was the fact that i was told by my bank that it would be taken care of. Today, I received a letter with vague information. : " we found that the transaction was processed according to the information you provided or was authorized '' First of all how did you come to this conclusion? what kind of investigation and proof was provided? Did they pull out phone call records and recording on the day i called? Wrong information was given to me. second of all, I did not authorized the transaction, I tried to go back after before submitting payment and the payment still went through this was not my fault. And why didnt i receive a text message from Chase to check if it was me making this purchase so that i could have declined it? I was promised it would be taken care of and now it put me at a negative on my account. I lost {$1000.00} that i didnt even use the flight ticket. i was told by the agency everything would be ok, and that i could change my flight, but yet there was not flights available for the dates selected. I was told i could cancel for a fee, which i was ok with it, but when i called back for the 3rd time i was told 24 hrs past since the transaction but yet still had 4 hours left. This is ALL A SCAM, period. Websites like this one should not be allowed to do business. I'm sure there are many people out there like me, that never got there money back. This is totally wrong and unacceptable for the consumers. I would like my money back as soon as possible. The only reason i had to go to XXXX was because my father was sick, i borrowed money to buy my ticket. I dont make a lot of money to just gift this scam company my money. Please help me resolve this issue with whom ever you need to. I think Chase didnt do a great job in investigating details on this transaction and just went base what ever the agent told them. They are a scam, how can someone believe them. Please help me. Thank you so much! | ||||||
| 08/20/2018 | Yes |
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| My complaint surrounds multiple infractions that have essentially negated my abilities to obtain a loan modification for several years with Chase Bank ( CB ). The purpose of the modification request is so that I will be allowed to retain my primary residence. This complaint outlines actions performed by CB, in the form of negligent misrepresentation, misleading conduct, violations to the FDCPA, and non-transparency during the loan modification review process. All of these actions embodied violations and provisions set forth under HAMP while it was still available and The National Mortgage Settlement ( NMS ) of XX/XX/XXXX and rules set forth by the CFPB. The investor of my loan is CB. The U.S. Securities and Exchange Commission ( SEC ), has strong interests with issues that surround activities of financial professionals and mutual fund trading to prevent fraud and intentional deception. In an effort to bailout the 5 national banks the Obama administration enacted a mortgage bail out for the Top 5 banks with billions in mortgage relief funds as well as the administration rolled out the Making Homes Affordable ( MHA ) programs. As a result of the top 5 banks mishandling the bailout money for execution of the MHA, the banks were sanctioned with fines and new underwriting conditions were put in place, which also gave birth to the National Mortgage Settlement ( NMS ) and the Consumer Financial Protection Bureau ( CFPB ). Also Special Inspector General for the Troubled Asset Relief Program ( TARP ) was charged with oversight of banks that mishandled these funds. There are obligations by both CB, to have offered some type of home loan retention options for a number of reasons. It is a fact that CB, is the loan servicer of my loan and has been for most of the life of the loan. For countless years now, CB, has failed to provide or ensure accountability, transparency, or maintain integrity during the review process of my mortgage loan. My financial hardships began back in XX/XX/XXXX, when my XXXX was negatively impacted by the collapse of the housing market. This business came to a screeching halt and I was forced into filing chapter XXXX bankruptcy. Since then my wife and I have managed to regain fulltime employment however, Ive been rejected for any attempt at retaining ownership of my home. Ive applied for more than one loan modifications throughout the years and I have been declined multiple times for loan modification no real tangible explanations as to why. These requests are intensely tedious and consist of an extremely redundant process of faxing document after document in to CBs loss mitigation department, to no avail. Still, we received more and more request for documentation ; even identical documentation request for the underwriters review. Recently as of XX/XX/XXXX, we were told that our investor hasnt approved a modification because we have sufficient cash reserves or assets that give our family the ability to pay our mortgage current. This statement is false and misleading and lacks any supporting documentation which would support such a claim. At the time of this particular review our accounts did not reflect large amounts of reserve funds which could bring our account current. Furthermore our income was sufficient, which could more than serve as adequate debt to income, in order to be able to resume making payments on our loan ; and has been for many years now. CB, has grossly miscalculated my income as well as our abilities to repayment of our home loan. Each area of misconduct contains several layers of wrongdoing and supporting documentation. Every time our loan is reviewed we are given every excuse from CB as to why the loan will not be modified. Its very odd considering in XX/XX/XXXX, the U.S. Department of the Treasury created the Hardest Hit Fund to provide targeted aid to homeowners in the states most affected by the housing market crash. As part of this program, {$7.00} XXXX in aid was allocated to the 18 statesincluding Indianathat experienced the most extreme home price declines and high unemployment rates as a result of the economic crisis. In XX/XX/XXXX, the states received another {$2.00} XXXX so they could continue their foreclosure prevention efforts. For these reasons, I demand a detailed explanation as to how and why our family has been offered no opportunity to save our home in the past year. It is most certainly not due to lack of trying as our records will indicate. Indiana foreclosure settlement conferences statutes, IC 32-30-10.5, Chapter 10.5. Foreclosure Prevention Agreements for Residential Mortgages. CB, egregious negligence, misguided servicing, misleading conduct, unethical underwriting practices, and failure to comply with the terms of MHA, TARP, or NMS, requires immediate attention or filing a civil lawsuit on my part. Even the statements made by CBs agents on multiple occasions throughout the past year further support our claims. I have also been harmed financially by CB, over multiple years due to them refusing to modify my loan. CB, continues to add frivolous foreclosure junk fees which adjust to my account every month in the form of late fees, compounded interest, property evaluation fees, inspection fees, legal fees, escrow fees, and the list goes on. All of this time we have been bearing the financial burden of negative credit reporting violations to the fair credit reporting act ( FCRA ). It appears that all these communications have been ill advised. All of the above actions have directly and negatively affected our ability to cure our delinquency and restore our account into good standing. | ||||||
| 07/02/2019 | Yes |
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| I fell behind on my mortgage back around XX/XX/XXXX. I had a bad break up with an x and was left to pay unsecured debts and try to keep up on the mortgage plus my other bills. I ended up falling behind 3 months on the mortgage and once i was good to be back on my feet, i was denied my payment. I was told i needed to pay up the whole amount which was about {$4800.00}. My morgage was {$1400.00} a month and at that time i was offering to pay them {$1800.00} and from then forward i was going to be able to pay $ XXXX- {$300.00} over my minimum payment to start catching back up. I was denied those payments and was told i needed to pay in full what was owed. I then turned and decided to sell the property. I was living alone so it was not possible for me to just catch up in one payment. I listed the house for sale, had a possible buyer within 3 weeks. The buyer put in a good offer and was going to close by XX/XX/XXXX. While this was going on i was figuring out a place to go. I ended up moving in with a woman who i have known for almost 8 years now. She is now my wife. So i moved in with her and the house was empty. After i went thrugh 3 seperate closing dates, the buyer backed out due to him not meeting stipulations with his bank. At this point, because i was helping with my now wifes bills in her apartment, i was not paying the mortgage but i was paying for oil, eletric, and maintaining the house. Once the buyer backed out i got back in contact with Chase bank to try their mortgage assistance program. Something i should have done off the rip but i made a mistake, i am human. So when i talked to Chase bank, they told me the only way i could be cinsidered for any loan modification or any mortgage assistance, i needed to be living in the property. At this point a foreclosure process had already began. So i agreed to move back into the house with my now wife and her XXXX year old son. We left her apartment and went back to the house in hopes to figure out a solution to the past balance and move forward in keeping and paying for this house. In the mean time, we were saving money. We both work full time and make more than enough to pay the {$1400.00} mortgage payment, but we were not able to obviously to pay montly payments because they wanted full payment which at this time was about {$10000.00} with the late fees, attorny fees for the foreclosure and past due payments. This was around XX/XX/XXXX when we moved back into the house. About 3 months after we moved in, we finally got word with the mortgage assistance. Chase bank told us that I was only approved for a short sale because there was no way to lower my interest rate '3.75 % ' or my montly payment of {$1400.00}. " I never asked to lower the payment, i offered to pay MORE to catch up. '' They told me that the house was affordable and that they could do nothing for me. Short sale was the only option. So i ended up putting it up for short sale. I had a solid buyer offer {$210000.00} for the house. Another month and a half went by, Chase bank ended up saying they wanted {$210000.00} for the house. The buyer backed out due to the fact he would have to come up with another {$4200.00} that they didnt have at the closing. At this point i beyond had enough. Chase bank sent me a letter saying that i had until XXXX, XXXX XXXX to have another buyer or the short sale would be terminated and the house would go back to a foreclosure process. It was at that time i found XXXX XXXX XXXX which is a law firm out of XXXX. California. They told me they have a 95 % success rate in turning around mortgages and helping people stay in their homes. This was what they specialized in. So i highered them. I submitted all the info thay needed on my mortgage and i paid them {$3500.00} for their retainer fee. They worked with me and contacted Chase bank over the last 3 months. This past saturday, XX/XX/XXXX i recieved a letter from XXXX XXXX XXXX stating that my request for any sort of option to keep my house was declined, for the same reasons that were stated before when i was told 6 months prior i was only approved for short sale. Also stated that they could not lower the payments or interest. Which I NEVER WANTED OR ASKED FOR THAT. I feel there has to be some sort of way to fix this problem. My credit is shot now when it was a XXXX score when i purchased this house in XX/XX/XXXX. We have looked into a few apartments but due to this being on my credit, even with my wifes pretty decent credit score XXXX ' we are denied because of these unpaid payments. She makes {$15.00} an hour full time, but is not enough alone to get any sort of mortgage or any decent apartnent. I make {$24.00} an hour and have overtime every week. That money cant count on any application due to my bad credit score ive accumulated because of this situation. Togeather we NET {$5500.00} a month. Take home ... i find it hard to believe that Chase bank CANT work something out with us. We want to keep our home. We also have a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, which i had mentioned to Chase bank with what seems to be, no care in the world. At this point it does not seem we have anywhere to go if we lose this house. With a XXXX XXXX XXXX XXXX and two full time decent paying jobs, i dont see what the huge issue is with letting us pay extra each month until what we owe is caught up, then putting the payments back to normal. I want to pay, we want to stay in the home. We just need the OK to start sending out the checks. At this point the past due balance has accumulated to just about {$24000.00} in 12 past payments now plus fees and attorny fees. Thank you. | ||||||
| 05/26/2019 | Yes |
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| n the process of closing my XXXX XXXX XXXX card in XX/XX/2019, I transferred the XXXX XXXX XXXX I had accured to my husband. I saw nowhere that there would be a charge for this. After the miles were transferred, I was charged {$250.00} to transfer the miles. When I found this out, my husband, to whom I had transferred the miles, canceled the miles. However, the charge had not been eliminated from my credit card, which has since then been canceled, so they cant reimburse me by reversing the charge ( I assume ). The chosen mode of communicate on the part of XXXX XXXX Customer Service is email. And they are stalling. Below is a copy of the pertinient communications with them. I just want my {$250.00} refunded. From Me XX/XX/2019 -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : via XXXX - custserv [ ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : refund cost of miles transferred xxxx xxxx XXXX XXXX I closed my account with Chase United. I elected to transfer the miles I had remaining to my husband. I then received a bill to the tune of {$250.00}, apparently the cost of the Points XXXX XXXX. Please remove this charge from my credit card. I never would have transferred the miles unless there was no cost associated with the transfer. Please remove this charge immediately. From United XXXX XX/XX/XXXX H i Thank you for contacting XXXX Buy/Transfer miles Member Support Center. In order for us to further assist you, please provide us with your XXXX account number and 20 digit confirmation number for your transaction. Please also note that we can make a one-time exception and cancel your transaction ; however, this will also reverse the miles transfer in which they will go back into your account. Please let me know how you would like to proceed. Thank you and I look forward to your response. From Me XX/XX/XXXX XXXX Confirmation code : XXXX FROM United Plus XX/XX/2019 Hi We are able to make a one-time exception and cancel your transaction. Your transaction will be refunded within the next 24-48 hours. Please allow 3 to 5 business days or up to one full billing cycle for the refund to appear on the credit card used for this purchase. Let me know if you have any further questions. Have a great week! Thank you for your loyalty to United XXXX. Sincerely, XXXX | Member Support Center XXXX Buy Miles and Transfer Miles XXXX Personal Miles | XXXX Give Miles | XXXX Transfer Miles | XXXX Reward Miles | XXXX Redemption Services | From XXXX XXXX XX/XX/2019 Thank you for contacting the XXXX Buy Miles and Transfer miles Member Support Center. We have received your inquiry and we will respond within 1 business day. Our hours of operation are Monday to Friday, XXXX to XXXX EST. Your Case Number is XXXX. If you would like additional XXXX contact information please visit : XXXX XXXX XXXX If you would like additional United contact information for specific countries please visit : XXXX XXXX XXXX Please do not respond to this email as it is auto-generated. Thank you for your loyalty to United XXXX. Email Reference Number : ref : XXXX : ref From me XX/XX/2019 Where are you refunding this money to since the account has been closed? From XXXX XXXX XX/XX/2019 Hi, I am currently escalating this with my transaction support team. As soon as I have a response, I will be sure to let you know right away. We appreciate your patience. Thank you for your loyalty to United XXXX. Sincerely, XXXX | Member Support Center XXXX Buy Miles and Transfer Miles From XXXX XXXX XX/XX/XXXX Hi In your email, did you mean that your XXXX account has been closed? Or are you referring to our credit card ending in XXXX? Please advise, as we are actively looking into this. From Me XX/XX/XXXX I find it difficult to believe you are unable to determine the status of my XXXX XXXX account. THE CHASE CREDIT CARD IS CLOSED. From XXXX XXXX XX/XX/XXXX Hi We do apologize for the frustration you are having with this. Since your credit cad with Chase is closed, do you have a new credit card with Chase? Financial institutions are able to transfer the funds to new credit card when an older one is closed. Please advise. Thank you for your loyalty to United XXXX. Sincerely, XXXX | Member Support Center XXXX Buy Miles and Transfer Miles From Me XX/XX/XXXX No! I don't have a Chase card! Cut me a check, send it to my address. Stop stonewalling and reimburse me! If your next email doesn't say -- 'here 's your check ' I will be sending a complaint to the Consumer Protection Financial Bureau . From Me, XX/XX/2019 Case Number XXXX. I NEED TO SPEAK WITH A LIVE AGENT REGARDING THIS MATTER. PLEASE CONTACT ME ASAP AT XXXX I DO NOT ANSWER CALLS FROM UNKNOWN NUMBERS OR I MAY BE AT WORK. LEAVE A MESSAGE *WITH YOUR NUMBER* AND I WILL CALL YOU BACK. MP # XXXX From XXXX XXXX XX/XX/2019 Hi We will need to obtain some credit card information from you so that we can refund your new credit card number. Is there any times on Tuesday XX/XX/XXXX that you are available? Please specify the time as well as the time zone. Thank you for your loyalty to United XXXX. Sincerely, XXXX | Member Support Center XXXX Buy Miles and Transfer Miles From Me XX/XX/2019 Tuesday is the most difficult day to talk when I am at work, which is XXXX-XXXX XXXX Pacific Standard time. I am intermittently available on Wednesday-Thursday. I am off on Fridays, and would be available that day from XXXX to XXXX PST. Would that work for you XXXX? XXXXI have not heard from them by phone as of this date, XX/XX/XXXX. They have not left me a message. XXXX | ||||||
| 11/20/2019 | Yes |
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Web | Servicemember |
| XXXX2019 Instead of executing my dispute in good faith and crediting my account for the disputed amount Chase bank ( JPMCB ) did without good cause decide against me unilaterally without due process and refused to file my dispute with XXXX XXXX. Chase bank claims I accept the alternate accommodation which is absurd, the room I got is not worth what they charged me says so on XXXXXXXX XXXX website, so XXXX XXXX did intentionally defraud me. There where not other Hotel rooms equivalent to what I paid for available at the time of my reservation that is why I did not get the room I paid for, XXXX said so. Had XXXX offer me a refund on the spot, as XXXX XXXX should of, as XXXX admit the over booked my room on intentionally ; then I would not be entitled to damages for abusing the reservation system intentionally. At the time a year it would have be hard to impossible to get a room any where on Hawaii at any price without notice that is why I had a reservation booked months in advance. Further Chase Bank refused my complaints and appeals of their decide and would not agree to follow the term and conditions of the credit card agreement ; and never agreed to file my dispute with XXXX XXXX XXXX. Instead of doing the right thing and completing my dispute properly and timely, Chase bank did close a {$20000.00} dollar credit card and continues to add late fees and interest to a closed account I still refuse to pay ; And are fraudulently damaging my credit out of shear spite, it will not help me to pay them in any way. Of the Original disputed {$550.00} with XXXX XXXX XXXX, Chase Bank now claims I owe them {$670.00} which I will not pay them either. XXXX Date Insert Adress here Re : About this Dear Sirs, I dispute the amount {$550.00} and now the full amount ; as I disputed amount properly I do not recognize the interest or late fees ; I will not pay them either. I wrote you on XXXX XX/XX/XXXX 2019 a dispute and have a complaint filed with XXXX card services # XXXX that you have violated the term and condition of the credit card agreement by not filing my dispute in good faith. You did not send my dispute to XXXX as you are required to do so, and you did not give me a copy of the XXXX response and you do not have a right to decide against me in this case. XXXX not owed the money because they defrauded me and Chase not owed the money because to did not handle the dispute within the term and conditions of the credit card agreement. I sending you and appeal of your decision very soon and I sue you in small claims as soon as I have the time. In the mean time I disputing your credit reports. I never paying you and that too bad because I liked your credit card. I am sorry you did not do the correct thing. Finally I complain to the CFPB and Banking regulators as soon as I have time. I hoping for enforcement against Chase Bank Inc. Sincerely, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX ( and fax ) XXXX XX/XX/XXXX 2019 Chase Cardmember Services corrected amount XXXX XXXX XXXX XXXX DE XXXX XXXX Fax : XXXX Re : Disputed charges {$500.00} XX/XX/XXXX2018 and {$43.00} parking ; {$550.00} total. Dear Sirs, This merchant did fraudulently represent that I would receive one room type and did not provide that room type until the day after I arrived. The hotel did move me twice ( work for me on my Holiday ) on the first day, and consumed at least three hours of my time, trying fruitlessly to resolve the issue ; for which XXXX has admitted that " this is the peak season and we over booked the room '' intentionally. Never before have I arrive at a hotel an did not receive the room type I paid for, and this made for a major let down for my extraordinary expensive vacation ; these room costing on average about four time a normal room cost, at {$500.00} per day, without four times the service from the Hotel that still got paid about {$3600.00} dollars for eight nights ; even with the expected reimbursement for services not provided. Further the Hotel did not give me the needed late check out on the last day XX/XX/XXXX/2018 as I am XXXX and can not be in the heat and humidity due to all the medications I take. I flew over 2,500 hundred miles for a particular room type and view in particular, which I did not receive until the second day, therefore I expect a refund for the first Hotel room day as the Hotel did admit that they over booked the room type I wanted and could not give me the room type I paid for even after I immediately complained about my room type. Attached are pictures and prices for 5 room types, I booked the most expensive room type " Oceanfront '' for " Beachfront '' at the time. XXXX has not denied they did not provide the room type I paid for. I did contact the XXXX XXXX management, ( XXXX XXXX ) before I left and requested an adjustment to my bill but the Hotel did refused even though they have admitted to cheating me. Not having the room type I requested available colored my whole vacation as I was not sure I would ever get the room type I paid for, and I found the Hotel service lacking for the price that I paid I would expect better service. Also I rented a car for 1 day only, and I willing to only pay the Hotel for the 24 hours of parking I agreed to, and XXXX did bill me twice, when I only used and agreed to 1 day of parking. The billing mistake is in the amount of {$43.00} dollars and on XX/XX/XXXX2018 is the extra charge when I did not have a rental car. Attached is the XXXX XXXX detailed billing. Sincerely, XXXX XXXX XXXX, XXXX. | ||||||
| 05/18/2021 | Yes |
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Web | Older American |
| XXXX XX/XX/XXXX Chase XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX Gentlemen : We are in receipt of your letter of XXXX XX/XX/XXXX. We deny the cited debt based in part on the issues below : 1. We chose to pursue the cited loan product with Chase after experiencing widespread lender abuse regarding escrow accounts and the Chase product did not incorporate an escrow account. 2. Our records indicate, as confirmed by taxing authorities, that all tax and insurance expenses since the inception of the loan have been paid by us. 3. An amount similar to {$6000.00} appeared without explanation on previous statements ; upon inquiry Chase failed to explain its nature ; further, said amount is in excess of normal taxes and insurance. 4. Subsequent to its first appearance the amount was preceded by a negative sign - indicating it was a credit to the account. 5. Later, the sign was reversed, indicating it was arbitrarily changed to a debit. 6. Although we had at one time requested a reformulation of the loan, Chase failed to respond with any specific terms to reformulation. 7. Subsequent to Chases failure to respond, we were able to accelerate payments on the principal portion of the loan. 8. We requested on several occasions, payoff amounts from Chase only to have absurd and inexplicable amounts quoted. 9. We have continued to make periodic payments on the lesser portion while waiting for Chase to correct outstanding issues. We request Chase credit the cited amount with applicable fees and interest to the outstanding balance and refund the excess directly to us. Sincerely, XXXX XX/XX/XXXX Chase XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX Gentlemen : Further to our letter of XXXX XX/XX/XXXX and your Transaction Summary ( 10 pages dated XX/XX/XXXX and 9 pages XX/XX/XXXX ), we note that entries on page 3 of 10 of the former, noted as ESC DISB INS and/or TAX are insufficient to establish your claim. Furthermore, the XXXX XXXX XXXX XXXX has provided a Property Tax Balance statement referring to said ESC DISB TAX entries and specifically the XXXX Tax Year for account XXXXXX indicating the then Current Tax Levy, the Current, Prior Year and Total Amounts Due as {$0.00}, the Last Payment Amount for the then Current Year Taxes and Last Payer for the then Current Year Taxes as [ The Owners ]. In spite of the age of the account, we have identified several direct installment payments to XXXX XXXX XXXX XXXX and a Statement Of Account for the Homeowners Policy XXXXX, Policy Period XX/XX/XXXX XX/XX/XXXX dated XX/XX/XXXX, none of which corroborate your claim noted as ESC DISB INS. We note a letter dated XX/XX/XXXX from Chase Home Finance LLC XXXX XXXX ), XXXX, FL, that itemized the total monthly payments past due on the account at that time : Total Monthly Payments {$11000.00} Late Fees {$200.00} NSF Fees {$25.00} Other Fees and Advances {$0.00} Amount Held in Suspense {$0.00} No Tax or Insurance ( Escrow ) Fees are cited for such expenses which normally occur at the beginning of the year. The Home Equity Line of Credit Statement XXXX Monthly Statement ) for the period XX/XX/XXXX XX/XX/XXXX indicates no Escrow Balance and {$0.00} Escrow Payment. The Home Equity Line of Credit Statement XXXX Monthly Statement ) for the period XX/XX/XXXX XX/XX/XXXX indicates an Escrow Balance Credit of {$6300.00} [ the amount is in ( ) s ] and {$0.00} Escrow Payment. Several months later, The Home Equity Line of Credit Statement XXXX Monthly Statement ) for the period XX/XX/XXXX XX/XX/XXXX abruptly changed to a Debit Escrow Balance of {$6000.00} and {$0.00} Escrow Payment eight years after the subject event. We reiterate, that while we admit to experiencing financial difficulties during the period which has come to be known as The Great Recession, we acted responsibly in accordance with applicable laws and programs and kept Chase informed of developments. We received little cooperation and no appropriate assistance in return, but only harassment, confusion and seemingly never-ending and unjustified punitive fees - including inspection notices and absence fees while we were on the premises. High turnover and staff churn at Chase resulted in many Chase personnel handling the account with the consequent chance for errors and opportunities for compounding errors or cover up high. It appears there may have been fraudulent practices and charges. We were left with no alternative, but to accelerate payment when we became able and repeatedly sought to successfully close this relationship. Given the management of the account contrary to generally accepted practices, it may not be possible nor worthwhile to perform definitive forensic accounting of all that transpired, and apparently Chase does not retain records that may illuminate solution. Clearly, we disagree with Chases attempt to capitalize unfounded claims and have no desire to extend any agreement with Chase Home Finance. If the XX/XX/XXXX XX/XX/XXXX Monthly Statement is considered reasonably reflective of the Unpaid Principal Balance at that time, ignoring inappropriate and questionable charges, fees, inconsistent application of payments and inexplicable manipulation of so called escrow amounts, etc., we are prepared to settle the account with Chase for that amount, {$2700.00}, less the payment cited below, as payment in full provided that Chase also remove all derogatory comments on our [ The Owners ] credit bureau reports and simply note the account as Paid as Agreed. As a sign of good faith, we have paid {$280.00} via Bill Pay this date ; the confirmation code is XXXX. Sincerely, | ||||||
| 05/31/2019 | Yes |
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Web | Servicemember |
| My boyfriend and I ordered some custom grillz from XXXX XXXX XXXX in XXXX fl in XX/XX/XXXX XXXX we live in NC ) merchant advised us the teeth would be overnighted and by XX/XX/XXXX we hadn't recieved them. I filed a dispute with my Chase XXXX Visa. Chase gave a temp credit of {$680.00}. The merchant responded to the charge back and provided Chase Visa a XXXX tracking number. I fought with Chase because I knew we didn't receive the teeth, and yet I had no idea how to prove we hadn't received the teeth. I left chase alone & paid the {$680.00}. XX/XX/XXXX my neighbor had a plumbing emergency and had a plumbing company over. One of the workers had found a package on the front porch which had my address on it saw me outside in the driveway ( we share a driveway ) and gave me the package. Turns out the XXXX delivered to the wrong address ( which has happened before in my rural area ). I have went put of my way to make 2 deliveries of packages to houses on my street. When my bf opened the package they were not what we ordered at all. So I contacted my Chase XXXX Visa explained to them the complete situation and apologized for giving them a hard time previously, told them we got the merchandise but it wasnt at all what we ordered and they told me to send it back to XXXX ask for a refund and wait 12 to 15 days for the merchant to give us a refund, if after the 12 days had passed they would process a refund for my {$680.00} once I called them back and provide a XXXX number for our return. So we did that. Never got a refund or response from the merchant and Chase XXXX visa hadn't been responding to my redispute and I had not seen a credit back to my card. So I kept in contact with chase customer service and on 3 different occasions from XX/XX/XXXX until XX/XX/XXXX was assured that I would be getting a refund from multiple customer service reps. XXXX I called into chase and had my issue escalated ended up speaking with a lady named XXXX, she advised me that anytime I sent a secured message to them regarding anything to do with this merchant or merchandise or initial dispute a rep would go in the message center and just delete without responding stated that XX/XX/XXXX I was advised in writing that no future further action regarding this dispute would EVER happen. So I asked XXXX why all of the other reps never told me this, why they advised me to send back the merchandise and chase would process a refund? XXXX just said she was very sorry I was not aware of the XX/XX/XXXX letter and there was nothing further She was able to do for me. I asked if I could speak to someone above her and turns out She Is her own supervisor and must own JP Morgan Chase bank she told me there was noone else that I could verbally speak with I could write a letter to the executive office but there wasn't a number. I found the number. I contact the executive branch. They take my complaint. I'm assigned a man named XXXX. He advises me he would be back in touch with me within a couple of business days. The executive office told me it's their job to figure out if there was any wrong doing in the disputes department throughout my case, and then they make things right. I hadn't heard back from XXXX. I follow up on XX/XX/XXXX no response I call again XX/XX/XXXX and he finally calls me back stats that he only could find a few calls and absolutely no secure messages through their mesg center. I advised him he needed to recheck letting him know I have screen shots of the secured messages and also some recordings of phone calls he states he can not find. He asks to have a couple of hours and call me back with his new research findings. XXXX calls me back and has found some calls and listened to the recordings and admits that I was correct, however, they are not willing to reimburse me for my {$680.00}. He's not willing to take responsibility for Chase customer service reps advising me to send the merchandise back and get a refund, In the phone calls he did review he didn't find THAT call, there isn't anything in writing from me thru their secure message center and they can't find the phone calls I'm referring to regarding their employees telling me what to do and stating I'm not responsible for a product that I havent used and have returned and or that's incorrect. XXXX denies some phone calls he still can't find so I let him know I'm going to my cell provider and get a print out fron XX/XX/XXXX until XX/XX/XXXX to show me contacting them and the duration of those calls. XXXX had already told me Chase did not place any notes into my account and doesn't have to input due dilligence. After XXXX admitted he found that there in fact was misconduct on their part, he told me he found opportunities for coaching with 2 or 3 employees. States hes not willing to take responsibility for Chase customer service reps advising me to send the merchandise back and get a refund, in the phone calls he did review he didn't find THAT call, there isn't anything in writing from me thru their secure message center and he wasn't able to find the phone calls I'm referring to regarding their employees telling me what to do and stating I'm not responsible for a product that I havent used and have returned and or that's incorrect! He found coaching opportunities! That doesn't put my {$680.00} back into my account! And surely doesn't make things right! I have screen shots of the secure messages that I sent with acknowledgement from chase they received my messages. This blows my mind! I guess they want to pay legal fees for me taking them to court regarding their egregious behavior. | ||||||
| 07/07/2020 | Yes |
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Web | |
| This complaint is regarding my Amazon Visa credit card number ending XXXX ( previously XXXX ) issued by Chase Bank. The issue arises from a fraudulent charge of {$1200.00} made on XX/XX/XXXX at XXXX XXXX store # XXXX in XXXX XXXX South Carolina. Essentially, Chase Bank is refusing to recognize this charge as fraudulent and is attempting to force me to pay for it even though I did not make this purchase. Following is a summary of events pertaining to this matter. XX/XX/XXXX A charge of {$1200.00} was made at a XXXX XXXX store on My XXXX XXXX card issued by Chase Bank. As I monitor my accounts regularly, I noticed this charge and immediately recognized it wasn't mine. As I am not a homeowner, I rarely go to home stores and it would be very rare to make such a large purchase at this kind of store. I immediately notified Chase Bank that this was a fraudulent charge. Chase cancelled my old card ending XXXX and issued me a new card # XXXX. The bank sent me a letter that the charge would be removed from my account while an investigation was conducted. I presumed the matter was over and no more action would be necessary as Chase would confirm the charge was fraudulent during their investigation. XX/XX/XXXX A representative from Chase 's fraud department named XXXX called me. She explained that the charge was made at a XXXX XXXX in my area and the items purchased were for landscaping equipment. As I recall the items were a leaf blower, a hedge trimmer, a chainsaw and something else that I don't remember. I explained to her that I was a renter, not a homeowner and that I had no need or desire for landscaping equipment. Also, I explained that I have never been in the landscaping business. She said that she would complete here investigation and that I would receive a letter. Again, I presumed the matter was over. That proved not to be the case. XX/XX/XXXX I received a letter dated XX/XX/XXXX from Chase 's fraud department stating that my claim for fraud was rejected and that I was responsible for the charges. The only reason given was the vague statement You received benefit from this transaction. I immediately called Chase and again explained that the charge was not mine. Chase advised me they would consider my call an appeal and reopen the investigation. Later in the month, I received another call from XXXX in the fraud department and I again explained why the charge was not mine. She told me the matter would be reviewed and that I would receive another letter. Soon thereafter, I received another letter from Chase advising me that they had determined the charge was valid. No reason as to why was given. Again, I called Chase and was essentially told that I had no recourse within the company. I attempted to escalate to management, but could not get them to connect me to anyone in authority. XX/XX/XXXX Being very busy, I had to put the matter on hold while I attended to other things. I decided that I would make the minimum payment on the account to prevent Chase from reporting me as past due, until I had time to get re-involved. I went online and set up a payment for the minimum {$35.00} due to be paid from my XXXX XXXX checking account on file at their website. This is the account that I normally use to pay my credit cards and the only payment method that I have saved in their system. Later in the month, I had the opportunity to do a little research online. I found that I was owed a full accounting of their decision by Chase. I wrote them a letter and sent it certified mail on XX/XX/XXXX demanding a full explanation and again advising them that this was a fraudulent charge that I was not responsible for. I made it clear that I would take all necessary recourse to fight their wrongful determination. XX/XX/XXXX On XX/XX/XXXX, I was very surprised to get a call from XXXX, ID # XXXX from Chase collections department telling me that my account was overdue. I was confused so I took her number to call back and went online to investigate. When I checked the Chase website and my banks website, I could see that the {$35.00} had indeed been rejected. This was made even more surprising by the fact that Chase accepted a payment on my Chase Freedom Visa account # ending XXXX from the same checking account on the same day XX/XX/XXXX for {$250.00}? I called Chase back and spoke with XXXX, ID # XXXX, and XXXX a supervisor, ID # XXXX, neither of whom could explain why my payment was rejected. I was transferred to XXXX XXXX in the payments department who could only tell me that the bank account number recorded for the payment was completely different than mine. He could provide no further explanation? I gave him my bank account information over the phone so that he could do a manual payment for the {$35.00}. At this time of this writing, it is unknown whether or not this payment will go through or not. In summary, I have been treated in very bad faith by Chase Bank. They have made a wrongful determination that I am responsible for a fraudulent charge and have blocked every attempt that I have made to escalate the matter to a level of management that can right this wrong. At this point, I need the help of your agency to get this matter corrected. I have attached all pertinent documentation to my complaint. Included are my XXXX and XXXX spending reports on this account to show that I normally don't make purchases from home stores. As you can see, over the last year and a half the only charge in the Home department on this report is the fraudulent one. Should you need anything further or have any questions, please contact me. | ||||||
| 06/21/2018 | Yes |
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Web | |
| This is a formal complaint about what I endured for the past 18 months attempting to work with Chase to save my home from foreclosure. Much of which, I know find, seems to mirror practices that have resulted in lawsuits and unfavorable publicity against Chase in the recent past. I have previously contacted the XXXX XXXX, Customer Service, and the Foreclosure and Short Sale offices at Chase about my disappointment and frustration with this process. This is a summary and an update. I lost my job in XX/XX/XXXX and ceased paying my mortgage and my XXXX. In XX/XX/XXXX I submitted my first request for a loan modification once I was notified that I was in foreclosure. I submitted all required documents. Several weeks later a Chase representative from XXXX XXXX foreclosure team told me that since I had an XXXX lien I could not continue with the review process. I was advised to make a deal to satisfy the lien with the XXXX. To that end I entered into a payment plan ( currently a {$5200.00} balance ) to pay the arrears, with a stipulation that any and all liens would be satisfied upon completion of these payments. I then provided Chase with the signed agreement. I was then told that my request had, once again, and without disposition, expired and I would need to resubmit my request and related documents for a loan modification, the sale date was again put on hold and the foreclosure labeled inactive. I complied as requested with a new request package. After several weeks, I was told by a Chase representative on XXXX XXXX foreclosure team that the payment plan ( that I entered into and was paying at their suggestion ) was insufficient. I was told that Chase policy would not permit a modification with an outstanding lien against the property. The foreclosure was active again. A Chase representative suggested that I speak to someone at HUD/FHA regarding the XXXX problem. The FHA Modification office in California notified me, after talking to Chase, that Chase could, in fact, simply wrap the XXXX arrearage into the modified loan. After all the calls and conversations I had with Chase, it was never suggested to me that this was as an option. After speaking with XXXX XXXX XXXX and requesting that Chase wrap the {$5200.00} ) into the loan, I was again required to submit a new Request for Loan Modification. In approximately 2 weeks I was notified by XXXX XXXX that Chase had reviewed the wrap option and denied the request. In each case of seeming delay, leading to my modification request expiring without disposition, I was told on the phone, but never in writing. Responding to my frustration, one of those foreclosure team members suggested I speak with my XXXX or strike a better deal to clear the liens prior to re-submitting my request. On a few occasions I was invited, in a not so friendly manner, to withdraw my request for modification if I was unhappy with the process or re-submit requesting a short sale option. Under serious duress about my housing situation I agreed to request the short sale option. Chase approved the short sale process in XX/XX/XXXX and I received a new Chase relationship manager named XXXX XXXX, and within a week secured and submitted a contract with a cash buyer for $ XXXX ( the appraised value was $ XXXX ). My realtor spoke with Chase negotiator XXXX XXXX ( from XXXX XXXX short sales team ) to find that the offer was neither approved or denied, but, to be fully considered, needed to be higher to meet the appraised value. She added that to resolve the lien issue I would need to concede any Cash for Keys from Chase ( approx {$4000.00} ), and my buyer would need to contribute $ XXXX towards satisfaction of the {$5200.00} lien balance. As bad as I needed the potential {$4000.00} Cash for Keys to assist in moving and securing somewhere else to live, I agreed to the terms and the buyer increase his offer to {$83000.00} to match the appraised value, as requested. My realtor submitted said revised offer on XX/XX/XXXX, awaiting an affirmative response. On XX/XX/XXXX my realtor called Chase to follow up on the revised offer only to find that the property had been sold at auction, without her foreknowledge, the day before, on XX/XX/XXXX for {$64000.00}. This amount is $ XXXX less that we were told would be acceptable in our offer. In fact, the property was offered at auction with a minimum bid of {$63000.00}. So, Chase would not approve my modification which I was prepared to accept at approx. $ XXXX, ( according to a conversation with XXXX XXXX ), which would have included the {$5200.00} lien balance. Chase also did not accept the {$83000.00} cash only offer that met all the stipulated terms set by Chase representative XXXX XXXX. Instead, Chase chose to accept a {$64000.00} foreclosure sale offer, with the minimum bid not at $ XXXX ( as I was instructed ), but at {$63000.00} ; without notice to my realtor. I believe Chase misrepresented their intent throughout this loan modification process and was not negotiating in good faith with unnecessary procedural delays, causing my modification applications to expire, only to permit the short sale offer I provided ( at the appraised value ) to be undercut with a substantially inferior bid without notice. I am reviewing my options on how to proceed. Can someone tell how any of this makes good business or customer service sense? Does anyone care how customers, especially those in financial distress, are treated? At a minimum I would like to receive the previously mentioned {$4000.00} transition assistance. Is that possible? XXXX XXXX XXXX XXXX | ||||||
| 02/03/2021 | Yes |
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Web | Servicemember |
| I am writing to dispute a billing charge in the amount of {$3200.00} on my account. I am requesting that the charge be reversed, and the full amount credited to my account, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I placed an order for a Mahogany Wood Pre-hung Front Door on XX/XX/XXXX from XXXX to replace an existing door at my home since a suitable replacement could not be delivered within 6 weeks, ( XXXX XXXX number : XXXX ) for a total of {$3200.00} which was later shipped on XX/XX/XXXX. The order was delivered on XX/XX/XXXX and a local XXXX was called for installation on the XX/XX/XXXX. Upon unpacking the crate and inspecting the door prior to installation, I noticed the door was defective, damaged, and jams were warped/twisted. In addition, the wood used in the manufacturing of the item was not of sound quality and was in fact, materially different from what was advertised as an exterior door of sound quality capable of withstanding the external elements. The wood was a twisted, the product was defective, could not withstand the harsh external elements, and more importantly, not as described on the XXXX listing. Due to the size, weight and structure of the door, I had to pay a {$250.00} out of pocket expense for the assistance of a contactor service to repackage the door for return to XXXX. In addition, the contractors had charged {$600.00} to install the new door, but after recognizing the condition of door, they had to reinstall the previous door. I immediately logged into my XXXX account, expressed my displeasure and filed a dispute requesting refund for the purchase, pursuant to the Fair Credit Billing Act of 1975 as a dissatisfied consumer through the Claims and Defenses process. Subsequently, I had to source additional funds to acquire a suitable replacement door locally and made separate arrangements and funding for the contractors reinstallation. In all attempts, I acted in good faith in my efforts to reach an equitable resolution and communication with the merchant, whom, first appeared responsive and cordial but over time became evasive, non-compliant and unavailable. After several attempts to have XXXX pick up the item, they continued to make excuses about availability of delivery trucks and claimed that the cell phone number I have had for over 15 years was not operational to coordinate the pickup. I later discovered in their direct communication to Chase Bank that based on their return policy, I am not entitled to a return if the item is over 30 days. I requested a return of the defective door less than 24 hours after delivery as evident in the delivery date to the requested return date. XXXX has continued to stall the process of holding up their end of the transaction unfairly and solely based on financial benefits to defraud consumers by selling defective cheap products not from reputable source made in XXXX. During this period, I was being charged monthly by Chase Bank for this purchase. I contacted Chase Bank and informed them that I had filed a dispute with XXXX and should not be charged. I was informed then they could not credit my account unless I disputed the charge, to which I did. On XX/XX/XXXX XXXX refunded the amount charged to Chase and the order reflected a refund on my account as depicted in the attachment. This money was later reversed by Chase Bank as a chargeback. Not knowing what that meant, I contacted XXXX for clarification and was told I had to drop the dispute with the bank for them to process the refund. I called the Chase customer service and followed the instructions given to me by XXXX customer service representative. Since XX/XX/XXXX, I have been calling at least once per month through XX/XX/XXXX in an attempt to correct this charge and obtain my full refund for the item. I was no longer in possession of the product ( Seller ), a charge I was paying for on a credit card that was incurring interest ( Chase Bank ) and resolving a disputed item that was defective, misrepresented and sold on XXXX XXXX XXXX XXXX. The calls and duration are reflected in the telephone logs and billing statements attached. In XX/XX/XXXX, I was told by Chase Bank that XXXX had the funds and all calls should be directed to XXXX customer service. From XXXX through XX/XX/XXXX, I was informed by XXXX that I would see the refund between 7 to 10 business days. I would give it a few extra days before calling back again and receiving the same response. In XX/XX/XXXX I was informed that Chase Bank never dropped the dispute and I needed to refile a dispute so the funds could be released. Once again, I reached out to Chase Bank to withdraw the previous dispute I filed back in XX/XX/XXXX. I was told the case was closed based on federal law compliance and that it should be handled by XXXX, which started another 6 months of transfers between XXXX customer service representatives and supervisors to work the issue. I was informed that the dispute department is a separate department and that there was no direct contact number for them, so they could only write a report and forward to those personnel. Again, I was told that records were taken, and it should once again be refunded in 2 weeks or 10 business days. Finally, in XX/XX/XXXX, I was given an email address to send my concerns to. Upon receiving the response, I was told that due to time issue, the case was closed and that there was nothing that could be done about the refund. I have attached the email communication as evidence in my supporting documents. | ||||||
| 02/13/2018 | Yes |
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| Dear Consumer Financial Protection Bureau As a recent a victim of fraud, I want to file a complaint against Chase Bank as they fail to protect my fund and wouldnt take full responsibility by the way they enforced the 60-days liability federal policy. The incident started on XX/XX/XXXX, when a thief somehow got my SAVING account information, opened a XXXX account and transferred an amount of {$1.00} through a XXXX transaction. I, myself DO NOT have XXXX account. Almost two month later, on XX/XX/XXXX, the second fraud transaction ( {$1000.00} ) happened. And throughout XX/XX/XXXX, there are two more transactions taken place. The most recent fraud transaction happened in XX/XX/XXXX. I didnt realize of all these unauthorized activities happened in my SAVING account until XX/XX/XXXX and had filed a dispute claim to Chase. The total amount stolen from my SAVING account is about {$5500.00}. After reviewed my dispute claim, Chase Claim department denied majority of my dispute claims and only refund me back {$1.00} and {$1000.00}. Chase denied the rest of charges with the statement that theyre beyond the 60-days liability rule. I called Chase Claim department multiple times and they still given me the same answer. They told me the 60-days liability rule start counting when the first activity happened in XX/XX/XXXX, therefore, they only refund me back {$1.00} and {$1000.00}. Chase wouldnt let me break out into multiple claims. Chase blamed on me for not noticing {$1.00} were missing from my Saving account back in XX/XX/XXXX and report it so now Im holding reliable for that. I can understand if Chase cant recover fraud transactions way back in XX/XX/XXXX because it was too long. But why can they recover recent charges in XX/XX/XXXX and early XX/XX/XXXX when I reported on XX/XX/XXXX. Im questioning the way Chase enforced the 60-days liability rule, which doesnt make any sense. Anyway, after multiple rejection answers from Chase, per my conversation with one of the senior claim analysis, she suggested I can pursue the rest of the disputes with XXXX. And so, I contacted XXXX and their staff was very supportive about reversing the recent charges since its still within 60 days. However, because the way XXXX is set up, they cant transfer fund directly back to the bank or another XXXX account. If they reverse the fund, then it would go back to thiefs XXXX account. The only way XXXX can direct the fund if Chase initiate the process. The XXXX representative and I called Chase on a three-way call to find a solution. Chase representatives ( my call was transferred to multiple people ) repeatedly refused to support XXXX to reverse the charges to my account because it had passed the 60-days liability timeframe. I feel deeply disappointed of Chases action because they refused to take their responsibility to help me get my money back. Even when I already done the leg work by contacted XXXX, and XXXX is willing to reverse the charges, so I dont understand why Chase cant provide the support mechanism for the reverse action to take place. Chase keep refer to the 60-days liability policy and refused to take further steps to support the reverse action. I can understand that Chase cant do anything if XXXX is denying the claim. But this is not the case, XXXX is willing to reverse the refund but, yet Chase refused provide the support needed for it take place. With the whole situation, I have multiple questions about the way Chase enforced the 60-days liability rule and have Chase done their job to protect my information such as my Saving account. First of all, SAVING account should be more secure compared to credit and debit accounts because its not being expose with daily use transactions. I dont have monthly direct deposit set up in that Saving account and havent done anything much with it since I opened it. I didnt lose my debit card and I dont use checks to pay bill so how is the thief obtained my saving account information in the first place. Second, this is a SAVING account we are talking about, which its very imperceptible to notice you missing {$1.00} when you balance is in thousands. Per my situation, it seen like thief is knowledgeable of the 60-days liability rule because he waited for almost 2 months after the {$1.00} dollar missing before starting to commit crimes more frequent. The way Chase enforcing the rule is allowing thief to find loop holes and continues their crimes. Thief could complete a {$1.00} transaction ( which very unnoticed to most people ) and wait for 60 days and wipe out the entire account. The banks is wouldnt be reliable per the way Chase enforced the 60-days liability policy, so the only person left with the burden is the fraud victim. Since bank is not held reliable after 60 days, there is no incentive for them to go after the thief. Thirdly, even when I have done the leg work to contact XXXX, and XXXX is willing to reverse the charges, but Chase is still refused and isnt held liable to provide the support mechanism for the reverse action to take place. In a way, it encouraging the fraud continues happen. Im putting in this claim with the intention of not only demanding the answers from Chase, but also want to bring awareness to the situation. There is a loop hole in this federal 60-days liability policy. The consumer financial protection bureau needs to reevaluate this policy and be more specific of how bank enforce the policy to better protect vulnerable consumers. My claim number with Chase on this dispute is XXXX. Thank you for taking the time to review this complaint. Sincerely, XXXX XXXX | ||||||
| 07/18/2023 | Yes |
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| Subject : Formal Complaint Regarding Fraudulent Charges and Non-Compliance with Regulations Dear [ Recipient 's Name ], I am writing to express my utmost concern and file a formal complaint regarding a series of fraudulent charges that occurred on my J.P. Morgan Chase account, followed by subsequent credit reversals for which I have been unjustly held responsible. This letter serves as a notification of my intent to escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of Comptroller, due to the non-compliance of J.P. Morgan Chase with its regulatory obligations. The fraudulent charges, along with the corresponding reversals, are outlined below : XXXX. Reversal : ATM WITHDRAWAL XXXX XXXX XXXX Claim ID : XXXX Reversed Amount : - {$20.00} XXXX. Reversal : ATM WITHDRAWAL XXXX XXXX XXXX Claim ID : XXXX Reversed Amount : - {$20.00} XXXX. Reversal : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Claim ID : XXXX Reversed Amount : - {$26.00} XXXX. Reversal : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Claim ID : XXXX Reversed Amount : - {$86.00} XXXX. Reversal : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Claimld : XXXX - {$86.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Reversal : XXXX payment to XXXX XXXX - {$10.00} XXXX. Claim reversal : XXXX XXXX XXXXXXXX XXXX XXXX Claimld : XXXX - {$120.00} XXXX. Reversal : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Claimld : XXXX - {$3.00} XXXX. Reversal : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Claimld : XXXX - {$5.00} XXXX. Reversal : XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX Claimld : XXXX - {$10.00} XXXX. Reversal : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Claimld : XXXX - {$19.00} XXXX. Reversal : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Claimld : XXXX - {$57.00} XXXX. Reversal : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Claimld : XXXX - {$140.00} XXXX. CLAIM REVERSAL : XXXX PAYMENT TO XXXX XXXX XXXXXXXX ] XXXX CLAIMID : XXXX - {$150.00} XXXX. REVERSAL : XXXX PAYMENT TO XXXX XXXX XXXX : XXXX - {$150.00} XXXX. REVERSAL : XXXX PAYMENT TO XXXX ] XXXX CLAIMID : XXXX - {$150.00} I want to emphasize that these charges have been indisputably proven to be fraudulent, yet I have been subjected to financial liabilities resulting from the bank 's erroneous reversal process. This blatant disregard for regulatory requirements is deeply concerning and raises serious questions regarding J.P. Morgan Chase 's commitment to consumer protection. Based on my understanding of banking regulations, it appears that the following violations have taken place : XXXX. Violation of the Bank Secrecy Act ( BSA ) and Anti-Money Laundering ( AML ) regulations, which mandate thorough customer identification, vigilant transaction monitoring, and prompt reporting of suspicious activities. XXXX. Non-compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which aim to safeguard consumers against unauthorized transactions and stipulate the prompt investigation and resolution of fraudulent charges. XXXX. Possible breaches of guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), particularly in relation to the reversal of fraudulent charges and the subsequent financial burden imposed on innocent customers. I request the following actions to be taken in order to rectify this situation : XXXX. Conduct an immediate and thorough investigation into the fraudulent charges and subsequent reversal process, with a focus on identifying the lapses in internal controls and security measures. XXXX. Permanently remove all reversed charges and associated fees from my account, ensuring the reimbursement of any deducted funds. XXXX. Provide a comprehensive, written explanation detailing the circumstances surrounding the fraudulent charges, the flawed reversal process, and the bank 's rationale for holding me accountable for these financial losses. XXXX. Implement corrective measures to prevent the recurrence of fraudulent activities, ensuring strict adherence to banking regulations and the protection of customers ' financial well-being. I expect a prompt and satisfactory resolution to this matter within [ specify a reasonable timeframe, e.g., 30 days ] in order to avoid further escalation. Failure to address this complaint adequately will leave me no choice but to proceed with formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Office of Comptroller. These complaints will seek redress for the financial losses incurred and will highlight J.P. Morgan Chase 's non-compliance with its regulatory obligations. Please acknowledge the receipt of this complaint within [ specify a reasonable timeframe, e.g., 5 business days ] and provide a detailed plan of action for its resolution. I can be reached at the contact information provided above. I trust that J.P. Morgan Chase will handle this matter with utmost urgency and take the necessary steps to rectify the unjust financial burden imposed on me. It is my hope that through a satisfactory resolution, my faith in your institution will be restored. Yours sincerely, XXXX XXXX | ||||||
| 03/18/2022 | Yes |
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| I am using Chase personal checking account, on XXXX I found unauthorized 2 transactions which is {$XXXX}, {XXXX} on my checking account recently. That transaction through XXXX and sent to a person who I don't even know, XXXX. So I reported claim to Chase, my claim number is XXXX. But after claimed, Chase sent me an email saying that they would give me temporary credit during the investigation period, and that she would be an executive officer, XXXX left me a voice message. She told that temporary credit will be put in on XX/XX/XXXX and said it would be investigated. A few days later, the money came back under the name of reversal. But next day, I received an email from Chase as follows. *****We completed our research for the transaction ( s ) you reported on XX/XX/XXXX. Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {XXXX from your account on or after XX/XX/XXXX. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). Contact us if you would like to request the information we used for our research. **** The following are the words I wanted to clarify, but the agent did not try to hear me out. 1. If I log in to Chase online banking and look at XXXX 's see activity, I can't see anything. 2. It seems that your Chase canceled the {XXXX transaction that happened to the same person that day. Because you sensed suspiciousness about it. But why did Chase let XXXX} and {XXXX go? 3. I also got email from Chase, the email was, Chase also declined a purchase for {$XXXX} with at XXXX that happened on the same day. I'm sure Chase felt that it was suspicious and that was a relief. 4. Chase would think I did the transaction and it could be confirmed that way. But I was definitely hacked. On the afternoon of the XXXX, I discovered that an app called anydesk was downloaded on my phone and found out a few hours later that money was being withdrawn from my chase checking. ( I didn't know what the app was or what it was used for, so I looked it up and found that it was an app that could access other people 's computers or phones. ) 5. In my case, I heard that it can be protected by federal information law regulatuon E and that the bank should solve this problem. in a case where a consumer 's bank account or debit card is compromised, or a XXXX payment is made from a consumer 's account and not authorized by that consumer, consumers have rights under the Electronic. Funds Transfer Act ( also known as " Reg E '' ) .Those consumers should contact their bank to determine an appropriate resolution After received Chases deny letter, I immediately called Chase 's investigation team and asked about it. When they investigated, they confirmed that my phone was logged in with a face ID when the money was withdrawn. But I can't admit it. As soon as I logged in with my face ID and used my phone ( I use my phone frequently ), someone downloaded an app called Anydesk and accessed my phone, as I wrote down before. I don't have any clues to prove this, so Chase think I sent you the money by myself, but I don't even know who XXXX got the money. So I told the investigator everything and he said he would REOPEN my case and told me to wait. But TODAY, I got another letter from Chase, ****** We completed our research for the transaction ( XXXX ) you reported on XX/XX/XXXX. Here 's what you should know We found that the transactions ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. ****** Why do they think I sent him the money even though I called and sent email like that. How can I prove it? I talked to XXXX, an executive officer yesterday and explained it again. She said, " Okay, I'll find out more. '' However, it is not known whether this letter received in the morning came from her or from another research team. As I mentioned before, In this case, I heard that customers can be protected by regulation Efrom banks, and I have been using Chase Bank for about 20 years, and there were a lot of fraud issues. ( If Chase look at the other checking account I have, someone transferred {$7500.00} from my husband 's joint account on XXXX last year to by XXXX fraud. At that moment, I immediately ran to the bank and asked, and the bank manager reversed {$7500.00} immediately, replaced our account with a new account number and changed the password ; they can find it in my account history ) I can never agree with Chases decision and I want to request to leave my money {$1200.00} in my account. I heard that there is a way to report to CFPB. As soon as this case is resolved, I will close my account and switch to a new account and replace my phone right away. Didn't investigator reopen my case without written evidence because he thought the testimony I gave while asking the investigator to reconsider was valid? How can Chase say that we can't adjust anything? As a result of research, there were a lot of cases like mine, and they eventually got the money back from the bank. ( Below links are press article to support my case. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX When I call to executive office number again, nobody getting the phone even I left voice message, nobody returned call. Please help me solve my problem. | ||||||
| 09/09/2021 | Yes |
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Web | Older American |
| I received an email on XX/XX/XXXX from XXXX XXXX stating that my subscription to XXXX XXXX ended on XX/XX/XXXX and that my subscription will auto renew on XX/XX/XXXX payment made auto debit. If I wanted to cancel the subscription I had to call within 48 hrs and the number provided was XXXX. The renewal amount they showed me was {$320.00}. I called the phone # provider and a gentleman answered XXXX XXXX Billing. I advised him I didn't have XXXX and how could they charge me. He put me on hold and then came back on line and asked if the charge had gone through my bank account. I stated that I had check before calling him and no it had not. He ask that I call back on Friday and he would put a credit through. So I said ok ended call. On Friday morning I called and stated that no charges had come through So I would wait and if they do then I will call the company. He then proceeded to tell me that when he look on his end the charge was there. I again said I didn't have XXXX XXXX XXXX. Here is where I made my mistake, he asked if he could run a XXXX program and show me and I said yes. My screen went to a black and white and numbers and letter and charters ran across my screen. Then it stopped and my name popped up with XXXX, which is my debit card number and the amt of XXXX after it. He then stated he would do a back out and credit my account. He stated it would take a few minutes. I could hear typing. Then he said he was having a problem putting the credit through and he was going to put me on hold and have his supervisor look at this issue. He then came back on the line and stated the credit had been put through. He ask me to check my account later. I signed off my computor and we hung up. It wasn't3 minutes and he called me back and said there was a mistake and that he had put a credit through for XXXX. I was like what!! He asked me to check my bank account and yes it was there. Two transaction lines from XXXX XXXX transaction # XXXX for XXXX then XXXX XXXX Transaction for {$15000.00}. I questioned this he told me he had split my credit into two amts. XXXX and one for {$150.00} and he missed typed the XXXX to XXXX. I told him he needed to do a reverse. He then stated he couldn't and I would have to wire it back. So once again I made a mistake. I sent the money back via wire transfer. After I did this my checking accounts and saving account all showed their correct balance so I thought I had done everything correctly. The next day I signed into my account to pay a bill and my savings account had been cleaned out of {$15000.00} and they left XXXX in there. I went straight to the bank, talked to the Chase Bank Branch Manager MrXXXX XXXX XXXX ( XXXX XXXX | Chase | Branch Manager | NMLS ID XXXX | XXXX XXXX XXXX XXXX, XXXX, IL XXXX | XXXX | T : XXXX ). The bank manager stated this was wire transfer fraud, he then called the fraud unit with the Chase bank. After talking to them, I was advised to go home and run a anti virus on my device, change my email password and change my Chase Bank online password. He then advised me that I would get a Fraud packet in the mail. Fill it out and return to chase. A week went by then 2 weeks and I never received the Fraud Packet. I called the bank at XXXX and I was advised a paxket had not been sent to me. I was then advised I could go to the bank and rhey could print one out for me. On XX/XX/XXXX I went back to the branch and talked to a MrXXXX ( Mr. XXXX was not in that day ). I filled out the form and Mr. XXXX forwarded onto the Fraud Unit. Then on XX/XX/XXXX I received a email from Chase to check a secured message on my account. The letter was from the Wire Transfer Unit. They advised me they were unable to process my claim please contact the fraud unit. Then on XX/XX/XXXX I received another email to once again check my secured meassage on my Chase account. Again from the wire transfer unit. Telling me they couldn.t get the money back from the foreign bank. They are unable to process my claim, and that they recommend that I file a police report. I had already advised thrm I files a police report on XX/XX/XXXX,. Then a couple of days later a person from the Fraud Unit called me had me go over the fraud issue again. At the end of our conversation I was advised there would be no claim as I was told I benefited from this money transfer. I was like floored, what the heck. Call was ended. I then had a meeting with the bank manager on XX/XX/XXXX and he said he would check with someone he knew in the Fraud unit. On XX/XX/XXXX Mr. XXXX called me and stated the bank reviewed my claim and said because I let the man into my computer this was not fraud. I stated yes it was as he lead me to believe he had put money into my account. While the bank branch manager was talking to me today, he said he was in another one of chase branch and a lady game in all upset and he over heard her say that a XXXX email etc. The funny thing on XX/XX/XXXX I got a email from Chase Notification Dear Valued Customer : We have noticed suspicious activity from an unknown device ( s ). When a user logs on to their account from a new mobile or computer device, sometimes our system will put a hold on the account for safety and security. Please log on to www.chase.com to verify your account or use the below button to verify your account to regain access to your chase online bank account. I didnt get this kind of notice when all was going down when my account was being hacked... OR WAS THIS TOO A EMAIL SCAM!!!! HOW DO YOU TELL. I did not reply to this email or open the link. Sincerely, XXXX XXXX | ||||||
| 02/04/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2021, I was contacted by someone named XXXX XXXX via XXXX direct messaging, who claimed they were a representative from a record label, XXXX XXXX, run by the XXXX XXXX, XXXX, and that they potentially wanted to do business with me as an XXXX They said researched my work and wanted me to fly to XXXX and meet with other staff from the label and discuss a deal. XXXX promptly sent me a compliance letter that said that they needed to access my bank accounts in order to send me funds to aid with any preparation I needed for the trip. I agreed to the terms of the letter and sent them first my bank account information from XXXX XXXX, where I had an account at the time. XXXX then had 2 checks deposited to my account at {$5000.00} each. After several days, the checks were found to be fraudulent. But not before I was asked by XXXX to begin sending some of money back to him via XXXX. His explanation was that those checks were from sponsors who could only wanted to make the check out to me since I'm the XXXX the sponsors wanted. The flight had to be booked with a private company and since the label was preparing the accommodations, they needed the money to help with those logistics. So thats when I had started sending several XXXX transactions back to what I thought were various staff people at the label. I did the transactions throughout the week of XX/XX/XXXX, until I had reached XXXX daily limits. There were so many transactions I was barely keeping up as you can not send large amounts of cash through XXXX. The transactions totalled about {$9000.00}. XXXX had not contacted me that they suspected fraud until later, via letters they sent me, saying they wish to cease banking with me because they believe I was responsible. XXXX had also eventually closed my account. I had also given XXXX access to another bank account I had, XXXX XXXX XXXX XXXX. XXXX and company tried sending a fraudulent check there and XXXX XXXX immediately spotted the fraud. They closed my initial account and issued me a new account number, no questions asked. I still hadn't realized I was involved in a scam at the time. But I had no choice but to let XXXX take action. Today, XXXX is the only bank I have available to me due their proactivity. I gave a third bank account, XXXX XXXX XXXX XXXX, that belonged to my business to XXXX in the hope of still being able to do business with the record label after XXXX shut me down. At that point, more checks were issued to me. Several were sent by Same day XXXX in large amounts ranging from $ XXXX to $ XXXX. One check for XXXX XXXX asked me to deposit in the XXXX XXXX on XX/XX/2021. I did so through the ATM Machine. Then I was asked to spend some of that money for myself and take out {$1000.00} and send to him through gift cards and more XXXX transactions. This is when I began to get uncomfortable because up until this point, everything was electronic and now I had to do more transactions in real time. Thats when the tactics changed. About a week after the XXXX XXXX check was deposited, it was returned. I told XXXX about all the returned checks and he urged me to press on assuring me he would fix the bank situations. As frustrated as I was I didn't feel like I had any other choice but to let it play out as he told me he didn't need any money from me, just the access to my accounts. XXXX attempted to pay my credit card debts as well. I owed {$7600.00} to a XXXX XXXX business credit card and he attempted to pay that in full. He also attempted to pay off credit card accounts I have with XXXX. One had a balance of about {$5800.00} at the time which is under a credit repair program from a previous unrelated financial situation and the account not usable. The second XXXX credit card was much smaller and one I used for emergencies. All of those payments were eventually returned. The final case that made me realize this was real scam, as elaborate as it was, was a final check to a 4th bank account I had with Chase. I was sent another $ XXXX check. It was first sent in the name of my business, XXXX XXXX XXXX. When I tried to deposit it with Chase, they wouldn't let me even as I proved the business belonged to me. So I told XXXX and he promptly sent me a check with my name on it for deposit on XX/XX/XXXX. The check was cleared by the bank and deposited to my savings account. XXXX then asked me to take out {$15000.00} cash and wanted $ XXXX in XXXX gift cards. So I did that and sent him the codes on the back. The remainder $ XXXX was sent at a later date, also with gift cards. Days later, Chase tells me that the check was returned with my account frozen. I'm not totally sure why if that check was fraudulent when it was deposited, that it wasn't detected. I would presume Chase has a system to detect fraudulent checks especially if their bank name was on the check. It would have prevented confusion if that were the case. In this way, as a Chase client, i was not protected. XX/XX/2021, I was due my monthly payment for Veterans XXXX Compensation from the VA and those checks go to my Chase account. When It was deposited, my account being frozen prevented me from accessing those funds. I had a total of {$3800.00} in that account that I can't touch because it goes toward the amount of the returned check, which after the $ XXXX cash left $ XXXX negative balance. Chase has informed me that my account has been assigned to specialist to investigate the fraud but I haven't received any notice since. XXXX has terminated their banking services with me. And XXXX XXXX has closed my fraud claim and my accounts with them. | ||||||
| 01/10/2018 | Yes |
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| On XX/XX/XXXX, I misplaced my debit/credit card ending XXXX, the only card I have with Chase Bank. I was in the midst of a camping trip and figured the card was just lost somewhere inside my car in the mess of clothing and camping gear. I checked my account each day for new activity, and I kept an eye out for the card. On XX/XX/XXXX, I noticed some transactions that I did not make. I immediately called my bank at XXXX XXXX, made a claim, and told them to cancel the card. The representatives on the phone assured me the card was cancelled, and told me I would be receiving another card shortly. He told me that there had been ATM withdraws in XXXX XXXX, Nevada. I told them I had not been to XXXX XXXX in at least one and a half years and there was no way I made those withdrawals. They asked me what the last transaction I made was. I told them it was a debit at a thrift store in XXXX XXXX, California on XX/XX/XXXX. They asked me to look at each transaction and tell them if I recognized them. Only then did I realize the extent of the unauthorized transactions. I looked back and discovered several ATM withdrawals per day for {$80.00} each, all of them made in XXXX XXXX Nevada, with most of them being initiated before I lost my card. I was very clear with everyone I spoke to that these unauthorized transactions could not have any relation whatsoever to the card being lost on XX/XX/XXXX. They were separate issues. They asked and I told them that I never gave anyone my pin. I never let anyone use my card. I did not authorize these transactions. The representative on the phone told me there were cameras at the ATMs so they would be able to view those to determine whether this was me. I expressed great concern that these unauthorized transactions were not caught earlier by the bank since I was making transactions in my hometown, hundreds of miles away on the same days and at similar times using the same card, and there 's only one card. I asked that they note this for the investigator and they said they did. I was told I would receive a document that outlined the unauthorized transactions, and that I should review that and if it was correct, send it back signed and they would analyze my claim after that. I never received any document to sign and return. I received a text from my bank on XX/XX/XXXX at XXXX PM asking if I made an {$80.00} withdrawal on XX/XX/XXXX. Of course I had not made any withdrawal since earlier that day when I had called and cancelled the card. I did not notice the text until XX/XX/XXXX. I responded " NO ''. A representative from Chase called me immediately after that text. I answered and they asked me about several more ATM withdrawals that had occurred AFTER I had called on XX/XX/XXXX to cancel my card. I asked why someone was being allowed to withdraw money from my account if I had cancelled the card. The representative seemed confused and told me I had NOT cancelled the card. I had just made a claim about unauthorized transactions. Then she noticed that a new card was already being sent to me, and she apologized and said that for whatever reason the card did not actually get cancelled. She assured me it was now cancelled and nobody would be able to use it again. I had to hang up at that point because I was needed in court ( I 'm an XXXX XXXX and a Judge was motioning for me to come back in the court room ). On XX/XX/XXXX I received a text from my bank telling me that they had decided to give me a temporary credit on my account of {$0.00}. I called customer service to inquire why. I was placed on hold for over 5 minutes, and when the representative came back on the line, she told me that the {$0.00} credit was a mistake and that the credit would post to my account within a few days. On XX/XX/XXXX, I received an email from my bank telling me that they had investigated and determined that these transactions were " valid '' and that my claim had been denied. I called customer service on XX/XX/XXXX to inquire as to the details of why their investigation led them to this determination. Two different representatives told me there were three specific reasons that led to this determination : ( 1 ) I reported that the card was " lost '' ( as opposed to stolen ) on a date prior to the date of the last authorized transaction ; ( 2 ) I told them that I did not give the pin to anyone and I did not write it down anywhere ; and ( 3 ) I could not provide a reason as to how someone else would have my pin. In other words, they determined that it must 've been me making these withdrawals since I did n't lose the card until XX/XX/XXXX. They would not tell me what their definition of " valid '' was. When I asked if they had considered any other facts, such as the fact that these ATM withdrawals happened at the same time that I was making transactions in my hometown, they would not answer me or they answered " no ''. When I asked if they had reviewed the videos from the ATMs where the withdrawals were made, they would not answer me or they answered " no '' and told me I had to subpoena those videos. I asked them to send me the tapes of the conversations I had with the claims department and they refused. I asked them to send me documentation of the details of the investigation and they said I would receive them in about 10 business days. In total, there were XXXX unauthorized ATM withdrawals made on my account between XX/XX/XXXX and XX/XX/XXXX. Each of them was for {$80.00}. That 's a total of {$1600.00} that was taken from me while my bank stood by and watched. The unauthorized withdrawals have ceased now. | ||||||
| 07/18/2023 | Yes |
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| On XX/XX/2023, I noticed a slew of unauthorized transactions on my Chase checkings account to my XXXX account that was then routed to another XXXX account I have never interacted with. Upon noticing these transactions, I reached out to XXXX to open an investigation. XXXX concluded that the transactions were authorized and when asked to supply evidence proving this, they ignored my request. I then decided to contact my bank ( Chase ) to initial a chargeback for all the transactions totaling {$3300.00}. I disputed the transactions in increments and accumulated evidence along the way to prove my case. Timeline of events : 1. The first dispute was filed on XX/XX/2023 for {$220.00} transaction on XX/XX/2023. This was resolved on XX/XX/2023 in my favor. 2. The second dispute was file on XX/XX/2023 for {$350.00} ( XX/XX/2023 ), {$85.00} ( XX/XX/2023 ), {$900.00} ( XX/XX/2023 ), and {$600.00} ( XX/XX/2023 ). This dispute resulted in {$900.00} being found to be unauthorized and all other transactions deemed authorized by Chase. 3. The third dispute was filed on XXXX XXXX for {$180.00} and {$1000.00} transactions on XX/XX/2023. The dispute was resolved in favor of the merchant. On XX/XX/2023, I received a letter from Chase regarding the second dispute and their finding which prompted me to call Chase for an update on my claim and what I should do next. I was advised that the claim had not yet been finalized and I should provide any evidence I had as soon as possible. I visited Chase bank and faxed my evidence to prove that these transactions were unauthorized. After doing so I called Chase again to ask that a note be placed on my file indicating the submission of evidence to support my claims. In the same breath I asked the customer support agent what evidence was used to rule in my favor for the {$900.00} transaction but not the other transactions in the second dispute. I was told that she can not provide that information and I told her I have the right to know what evidence was provided by the merchant. She agreed and I was told that the merchant evidence showed that my name, email address and phone number were correct, but the billing address was incorrect. According to the agent, that was the only evidence submitted and was used against me and to support mewhich makes no sense. I asked the agent to mail me a copy of the evidence and was told it would arrive within 15 days. Important facts : On XX/XX/2023, I requested the evidence used to determine the claim be mailed to be and was told it would be delivered by mail in 15 days. It has not been delivered. On XX/XX/2023, I contacted Chase Support on XXXX to receive an update on my claims and was told all the claims were resolved in my favor which is evidently false. I was told the same thing when I called the Chase Claims department on the same day. On XX/XX/2023, I called Chase again to get an update on my claims and was told that the evidence I submitted on XX/XX/2023, was not received and attached to all claims although I have a form stating that the evidence was faxed to the right department. Nonetheless, I visited Chase Bank again to resubmit my evidence. I also asked when the merchants evidence would be mailed to me and was told that the initial request was never made and now I have to wait another 15 days to get the evidence. Most importantly, because of inaccurate information and delays in receiving and attaching my evidence, the deadline to refile my claims has passed. On XXXX XXXX, I called Chase again to confirm that they received my evidence and was told that it was not assigned to some of my claims, and I would have to resubmit them again. This prompted me to message Chase through their mobile app which I received confirmation that the evidence was received and will be attached to my claims. Main issues : XXXX. XXXX claimed to have investigated the issue but have not provided any evidence to support this. I followed up with them and was ignored when asked if my claim was being investigated. XXXX. Chase has not provided the evidence used to resolve my disputes in the merchants favor and based on what I was told by the customer support representative, it seems unlikely how the same evidence can be used to rule in my favor and against me at the same time. Moreover, transactions can not be authorized if the billing address does not match the card holders information. And these specific transactions were not online where a billing address would be required in the first instance thus making the evidence redundant. XXXX. Chase had given me conflicting information regarding my claims leaving me to believe that a thorough investigation was not done especially since the merchant submitted the same information for all claims and that was used to rule in my favor and against me when the nature of my transactions remained the same. I was told that they claims were resolved in my favor only to later learn that was not the case and no one is taking responsibility for the inaccurate information. XXXX. Neither XXXX nor Chase has proof that I authorized these transactions and are withholding information regarding how they came to the decision that my claims were wrong. Also, Chase can not confirm whether or not they reviewed my evidence owing to when they received it and attached it to my claims and then resolved the dispute. I have attached evidence showing that my XXXX was compromised along with proof that I could not authorize these transactions due to when I was using my bank mobile app. I have also attached the evidence I sent to Chase. | ||||||
| 05/11/2023 | Yes |
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| On XX/XX/XXXX, I ordered flooring from XXXX XXXX XXXX XXXX ( vendor ) online and paid {$1600.00} with Chase credit card. I confirmed with the vendor that the flooring was in stock and would ship to me in two weeks before I made the purchase. Two weeks later, I did not receive any flooring shipment, so I reached the vendor again. On XX/XX/XXXX, the vendor wrote me an email telling me my order was still in their warehouse in XXXX and he would ship on the following day and sent me the shipment tracking information. On XX/XX/XXXX, I saw the email and replied to the vendor requesting him to please cancel my order because it was too late for my contractor. The vendor didnt reply to my email and no shipment tracking information was sent to me. Hence, I believed my order was canceled. At the same time, I called Chase credit service, telling them what happened related to the transaction and requested them to not pay for the transaction if the charge was still posted by accident. After calling Chase, I saw my transaction of {$1600.00} was refunded. By then, I thought the frustrated purchase problem was solved. Two months later, on XX/XX/XXXX, I found out I was re-billed again for the purchase. I called Chase credit service and questioned the re-bill. Chase told me they did an investigation and the vendor had provided evidence to prove that they had provided the services so they re-billed. I questioned when this investigation happened, and why the investigation made the conclusion based on a one-sided story. Chase told me the investigator couldn't reach me out. And the investigation and dispute response was sent to my Chase online account. First, I questioned how it was possible that Chase couldn't inform me/my husband regarding the investigation, considering Chase had cell phone numbers, emails, and our mailing address of my husband and myself. Second, it turned out Chase didnt send any writing information to our Chase online account after we opened the dispute on XX/XX/XXXX. Except for monthly statements, we did not receive any information or inquiry about the investigation until I called Chase. And then Chase asked me to reopen the dispute again and provided all evidence to support what I claimed. In XXXX, I tried to reach out to the vendor, but they didn't reply to me by phone or by email. In XXXX, I reopened the dispute and provided all phone call histories and emails between me and the vendor, to prove 1 ) The merchant did not provide any services, nor delivered any commodity to me. 2 ) The cancellation of the order is due to the merchants fault, and I canceled timely and in a responsible way. 3 ) The merchant failed to communicate with me and distorted the truth regarding this transaction. In XXXX, Chase sent me a letter, informing me the transaction was valid, so I wont receive any refund. I called Chase, questioning how Chase reached the conclusion that the transaction was valid? Did Chase require the vendor to provide evidence to prove that 1 ) the vendor provided services timely at the beginning before my cancellation of the order 2 ) the vendor emailed me the shipping tracking information as they claimed in the email 3 ) the vendor shipped any commodity to me? Chase asked me to reopen the dispute again. Hence, I reopened the dispute for the third time. Then in early XX/XX/XXXX, Chase sent me a letter again. The same as previous, just a conclusion that the transaction was valid so I wont receive any refund. No explanation about their investigation at all, if they really did! In XX/XX/XXXX, I called Chase again, and they just told me my dispute exceeded 6-months period. They can not do anything for me. I ams so confused by Chases service and question business ethics in the whole dispute investigation process because : 1 ) My case is very clear and simple. The vendor forgot my order at the beginning, so I canceled it due to the shipment being too late to me. I canceled the order right away in writing, and believed I canceled successfully because the vendor didnt email me any shipping information as they claimed in the email. And the vendor didnt reply to my email at all afterwards. How Chase dispute team did their investigation? 2 ) We have been using Chase 's paid credit card since XXXX. Chase has all our contact information ( phone numbers, emails, address ). Chase did not check with me or my husband regarding the investigation and used that they couldn't reach out to me or my husband as an excuse for their being irresponsible to reach the conclusion based on the vendors one-sided story without asking the vendor to provide any evidence. 3 ) Chase did not inform me of the conclusion of the dispute until I found the re-bill myself. No email, mail, or any letter in my Chase online account. 4 ) Chase required me to provide all evidence to prove what I said is the truth. While I think it is so unfair and offensive that Chase asked me to provide evidence but not the vendor, I still provide all email records and phone call histories between me and the vendor. 5 ) After six months, the Chase dispute team didn't give me any explanation about the dispute, but told me they can not do anything more because the case had been six months. As a customer, I trust Chase, and I pay {$99.00} the annual credit card fee to protect me. I have no idea about the six-month period. I feel Chases dispute team is so insincere. It seems that they just asked me to keep reopening the dispute until I wont be able to bother them after six months. Fortunately, I realized that there is the CFPB to file my case! | ||||||
| 05/04/2023 | Yes |
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| I received an alert on the morning of XX/XX/XXXX about a large purchase from my checking account in the amount of {$230.00} from a vendor labeled " XXXX XXXX XXXX XXXX XX/XX/XXXX '' I did not authorize this transaction, so I called Chase, less than 10 minutes after I received the notification. I explained the situation, and the rep told me the transaction was tied to my XXXX digital wallet. I told him that I had no idea how that purchase was made, and that it was unauthorized. He told me that I would need a new debit card and that I needed to update the info on my digital wallet. He made a reversal on that transaction, though he didn't say that the reversal was part of an opened claim. I found out a claim had been opened when I checked my account balance and saw the reversal with a claim number attached. I received a new debit card, updated my digital wallet, and thought everything was okay. Today, XX/XX/XXXX, I receive an alert that the affected account is under {$10.00}, then another alert that my account was overdrawn. I checked my account, and the reversal in connection to the fraudulent transaction was undone, and I am now overdrawn to Chase. I was very upset and confused, so I called Chase about the claim ( claim number XXXX ) and explained my frustration, and asked about their investigation. The rep told me that " there wasn't sufficient evidence to support the charge being fraudulent '' because my password wasn't changed and that I had recurring charges on my digital wallet. The two recurring charges that they compared the fraudulent charge to are authorized monthly subscription charges under {$10.00} that I have history with as a customer. I explained tp the Chase rep that the transaction is not congruent with my typical spends via digital wallet and I had no history or knowledge of XXXX. This is clearly fraudulent. She told me I needed to provide " sufficient evidence '' to appeal the rejection, which included " photos that verified my location at the time of the purchase '' which makes no sense bc this was a digital purchase that could've been made anywhere. The rep said if I perhaps had a photo of myself leaving the house to walk my dog on a XXXX XXXX, that might help confirm my location... Even after discussing it was an online transaction that could have been made anywhere. It was all extremely confusing. I was incensed and asked whether they contacted the vendor, XXXX, during their investigation. She alluded to a back office that has further investigation details but does not speak directly to customers. We went in circles and I explained that the company, XXXX, doesn't seem legitimate ( no website, no results on XXXX ) and she essentially said there is nothing she can do at this point. I ended that call abruptly and called back after cooling down. Another rep was much more polite and we spoke about the situation. I asked more pointed questions about what kind of evidence I could use to verify that this was a fraudulent purchase. I told him that the URL of the vendor company ( XXXX ) did not produce any results and I could not XXXX them to contact them to resolve the issue like he suggested. He then suggested taking a screenshot of my attempt to go to the site, and to document any attempts to call them ( I didn't call them at that point ). He told me I can't open a new claim on the transaction and that I can only appeal the decision by faxing evidence to a given number. I asked if they contacted the vendor during the investigation and if they have a phone number. It should be noted that they didn't even give me a phone number or suggested next steps until I basically forced it out of them with pointed questions. He gave me the number to the vendor, which retrospectively was very insulting since the number goes straight to voicemail. If the bank performed ANY due diligence, they would catch the red flag of a company that has no results in XXXX, has no functioning phone number or website, and takes substantial amounts of money via digital wallet. The second rep kept reiterating that, from Chase 's perspective, I had other ( incredibly small ) recurring charges on my digital wallet ( from trusted vendors that you find on XXXX and contact ) that this gave the fraudulent transaction the appearance of legitimacy. I mentioned that the transaction was not congruent with my spending habits via digital wallet, to which he countered that sometimes people make big one off purchases, like flying to Hawaii. The problem with that statement is that you can XXXX XXXX or XXXX XXXX or XXXX. You can contact an airline you've made a purchase with. You can not XXXX " XXXX ''. The website URL to " XXXX '' is a dead end. You can not contact " XXXX '' - you're welcome to try, their number is XXXX. I was also told to get the vendor to acknowledge the fraudulent transaction in writing, which seems highly unlikely. I asked about the timeline for appealing a rejected claim after faxing evidence, and he gave me nothing, not even an estimate or average timespan. I am currently in the process of compiling evidence to send them, in the hopes that they will actually follow through with an actual investigation, but my hopes are diminished. I simply want my money back. I also want to be compensated for any overdraft fees I incur as a result of this massive mistake by Chase. What is the point of holding money in a bank if it's less safe than stashing it under my bed and hoping that no one finds it? Another bit of information that might be helpful is the customer service number I used ( XXXX XXXX ). | ||||||
| 10/04/2023 | Yes |
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| Please note, I used these XXXX to separate paragraphs because all of the text was slammed together. Thank you. XXXX The nature of my complaint is complicated and I will do my best to be brief in this description, however, I have a lot of supporting documentation to provide to you. I also filed a complaint with the FDIC. XXXX Complaint : CHASE BANK FAILED TO NOTIFY ME OF FRAUD THEY DETECTED IN MY ACCOUNTXXXX I spoke to a few attorneys and they all believed similarly that my complaint is valid and that even though Chase Bank and I share some responsibilities with respect to this complaint, they believe that Chase was negligent in how it responded to the fraud they detected on my accounts and that Chase did not protect my accounts, my family and me. The attorneys and I believe Chase did not alert me swiftly, nor did they protect me once they noticed extremely unusual and inconsistent banking behavior on my accounts. Specifically, over 30 disputes/chargebacks, for in excess of {$35000.00} were filed within a 4-5 day span and Chase did nothing more than send a passive notification letter that is buried deep within their digital platform, something that is not called out even upon immediately logging into the Chase App. In over 10 years with Chase bank, we have never filed a dispute or chargeback on any of our accounts. Chase did nothing to mitigate the damage when their letters indicate that as of XX/XX/XXXX, they knew that abnormal account activities were occurring. XXXX The following is a timeline of most of the events which began on or around XX/XX/XXXX, and includes but is not limited to information from an affidavit I provided to the XXXX which was required by Chase before they opened their own internal investigation, which of course, led to them finding that they were not liable in any way. : XXXX 1. XX/XX/XXXX : suspicious activity ensues through online logins on Chase.com or Chase appXXXX XXXX XXXX XXXX : approximately 30 false claims are made against past purchasesXXXX 3. Twelve ( 12 ) remote online deposits are made in the amount of {$190.00} ; all checks had the identical back sides with identical signatureXXXX 4. Eleven ( XXXX ) remote online deposits are made in the amount of {$170.00} ; all checks had the identical back sides with identical signatureXXXX 5XXXX XXXX XXXX XXXX Chase denied a claim made for a transaction for {$1000.00}. We were notified passively through an obscure area in the Chase appChases first acknowledgment of suspicious activityXXXX XXXX. XXXX XXXX : XXXX XXXX deposit is made in the amount of {$2000.00} by XXXX XXXX XXXX XXXX. XXXX XXXX : Date on first letter from Chase acknowledging Altered/Ficticious check depositsXXXX XXXX. XXXX XXXX : multiple transfers and payments are made to XXXX XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX 9. XXXX XXXX : multiple transfers and payments are made to XXXX to the purported company " XXXX XXXX '' - I still have credit card info and phone numbers from them and neither the XXXX nor Chase requested them. XXXX XXXX. XXXX XXXX : Chase denied/prevented XXXX XXXX payments XXXX XXXX XXXX for {$820.00} and $ XXXXXXXX XXXXXXXX. XXXX XX/XX/XXXX : While traveling and caring for my wife 's XXXX and XXXX XXXX, we discovered that there were a bunch of false claims and suspicious activity on our accounts. I called Chase Bank and instructed their fraud department to stop all claims that were being made against any past purchases to mitigate the problem. All Chase login credentials were changed. XXXX 12. Chase Bank made little to no attempt to protect us from the multiple false claims being made against our past purchases and did not notify us proactivelyXXXX 13. Chase Bank did not contact us regarding said extremely suspicious/unusual banking behavior. XXXX XXXX. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXXXXXX and was told nothing could be done. The branch manager literally said " I'm sorry, there's nothing we can do. It happened to my dad too. It's a shame. " XXXX 15. In the ensuing days, we received numerous letters from ChaseXXXX 16. XXXX XXXX : I went into the Chase branch at XXXX XXXX XXXX and met with XXXX XXXX who proceeded to help us file numerous claims with Chase Fraud Dept. and she changed three compromised account numbers. XXXX XXXX acknowledged there was fraud and extensive suspicious activity on our accounts. XXXX 17. XXXX XXXX : Debit card ending in XXXX was compromised and closedXXXX 18. XXXX XXXX : Second meeting with XXXX XXXX at XXXX XXXX XXXX branch. During this meeting I spoke with Chase fraud dept and they effectively told me they could only make notations on the claims in question and that only the back office dept. could help us. However, there is no way to speak to the back office. XXXX XXXX again acknowledged there was fraud and extensive suspicious activity on our accounts to myself and my wife. My wife accompanied me to this meeting where she changed one of her account numbers as well. XXXX 19. To date we believe we are owed a total of {$17000.00} from Chase Bank. XXXX a. {$4300.00} from fraudulent checksXXXX b. {$2000.00} from a fraudulent XXXX XXXX XXXX {$7200.00} in false claims against account ending in XXXX d. {$3200.00} in false claims against account ending in XXXX e. {$660.00} in false claims against account ending in XXXX This is the best summary explanation I can muster at this time and am happy to elaborate and/or explain any further and answer any additional questions. | ||||||
| 04/14/2020 | Yes |
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| I closed my Amazon Prime Chase Card in XX/XX/XXXX after having Chase for a " very '' brief time ... Because they quickly revealed they are the WORST experience with a credit card company, I have " ever '' had, They would take " 27 '' days to post payments to account ... They boast how they are there for you and you have " zero liability with Chase and fraudulent transactions '' Every Support Rep would share this spiel ... HOWEVER - NO- When I had fraudulent charges that were illegitimate on my account and not authorized by me ... Chase `` refused '' to do right by me. So, I paid OFF my card and CLOSED my Account. And I then started getting a bill for {$5.00} - I called Chase and their Customer support Rep agreed I did no have any more balance and that XXXX was not showing as owed on my account. I got " another '' bill - NOT only for that {$5.00} that a Chase phone Rep verified I " DID NOT OWE '' and my Account was " paid in full ... BUT - ALSO NOW - LATE FEES AND - Chase is affecting my credit score and record .... Because Chase is an INCOMPETENT Company! They're harming my credit score AND showing me as delinquent on this NOT-OWED {$5.00} fee. I am not going to pay something I don't OWE- out of PRINCIPAL - because CHASE " Sucks '' frankly. They were SO bad - I went all the way up to Executives - Execs - JUST as LOUSY - With their detached from giving a XXXX about a customer 's experience and relationship - Or that a consumer ALREADY lost LOTS of time due to issues impacting me from their false claims and lacking. I was assured my bill was all clear- I even called and followed up on that {$5.00} charge to make sure it showed " PAID '' and I owed NO more. Rep CONFIRMED I owed no more on my account and it is closed. MY credit is being impacted by this charge Chase continues to show on my bill They're now saying was from a dispute that they came back to I owe it - From Amazon- How convenient they ARE in bed together with this credit card ... That once again- a charge that was not legit- they didn't back me on. I just called and paid this fee - I shouldn't have had to. It is not right that the way Chase chooses to run their business, detrimental impacts consumers and credit scores even- As Chase has done. What do I do to get this knock on my credit due to poor character and business methods of Chase, that have impacted me. I shouldn't have had to pay that {$5.00} " AGAIN '' either - WHERE did the first {$5.00} I made a point of paying off, go???? And now I paid interest in addition. 27 days to post payments - Isn't that a bit absurd??? XXXX XXXX and XXXX post payments the next day. Chases timeframe says to me they are " holding '' my funds ... For a longer period of time, to INCREASE their profits via interest income. Multiply every day they don't post Consumer 's payments- 8 interest earned x AMOUNT of Consumers they pull this tactic with. Not to mention all the other inconveniences and detrimental impact Chase imposed on OUR managing OUR money and bills and credit. How do I get their knock off my credit report. Someone needs to investigate Chase - I'll be happy so forward my email communications from when I was told Chase will always stand behind me with illegitimate transactions ... And ended up losing hours and hours and days and days- trying to get things made right and up agains frustrating Chase experiences with even their Reps - And the Email communications and responses I finally sent to Execs when I " had enough '' of going round and round with those that are just doing jobs, according to higher ups designed protocols. Big wigs in big corps - Too many selling out conscience, care, presenting false marketing images - Is out of control in this country. The fact I am filing a complaint over now {$5.00} and my credit impacted for this amount ... Should reveal some value of importance to FTC questioning who else, as consumers, beyond me ... Are being unfairly and detrimental impacted because Chase has a lousy corporate and customer strategy. I want their knock off my credit. It MATTERS - I spent the last 12 years pulling out of life a busy and immense debt imposed on my by corrupt XXXX, CT government that no one in America would handle - Witnesses and Evidence ... EVERYWHERE - They made me broke, homeless, violated all my rights, the law, the constitution - forced me to plead guilty when " I '' have been the victim since " XXXX '' I'm writing a book- is the only way to get justice in America , when you are a XXXX American Mother that is forced to be without money and does not have connections to people bigger than corrupt govt. I pulled myself out of EVERYTHING I never deserved - busting my XXXX to make sure scum doesn't define me and no longer darkens my or my children 's life. I ' ve illegally missed everything in my son 's life - Since Mother 's day XXXX Missed everything now - Corrupt Good Ol' Boys - Can of Snakes- No one wants to handle or expose - child abuse made possible by govt scum. I want my credit reflecting ME - Not one more entity that is self centered, incompetent, disingenuous and choosing to be careless. Unbelievable what money buys to continue in this country- Is hurting all the good people and everyone in our society IS paying for what is not right in EVERY direction - including the Banking Arena that lacks as much integrity and ethics, as too much government. Thank you for your time. I'll be happy to forward my Chase exec communications and their -lazy response. Best Regards, XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/15/2018 | Yes |
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| Purchase Date Of XXXX XXXX Services : XX/XX/2018 Cost : {$3700.00} First scheduled appointment for XXXX XXXX Procedure : XX/XX/18 My complaint is towards the owner of XXXX, XXXX XXXX XXXX. XXXX falsified information & made guarantees that are not true stating that a XXXX XXXX procedure would regrow the XXXX in my XXXX XXXX and would repair the XXXX in my XXXX XXXX and XXXX the XXXX on XXXX XXXX. I felt he made these statements to close a business sale with me. More, XXXX XXXX XXXXXXXX sold me a XXXX XXXX treatment and did not have his doctor or nurse prepare a XXXX XXXX treatment for me. After the purchase of what XXXX called a XXXX XXXX treatment XXXX XXXX XXXXXXXX changed my procedure and told me that they were going to perform a XXXX procedure instead of the XXXX XXXX. That is not what I wanted and XXXX new this. You will see this on his XXXX text to me, XXXX. For this reason I want a complete refund. Now I am having a problem having my money returned back to me. I have recorded proof on both text & audio located on my XXXX. With that said, I visited another company in the same type of business for a second opinion. I scheduled a consultation with a company by the name of XXXX, XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. During my Consultation at XXXX I explained to the Senior Counselor XXXX XXXX that the nurse at XXXX had taken XXXX of XXXX from the XXXX XXXX XXXX XXXX to prepare my XXXX XXXX procedure, the Senior Counselor Immediately stated that is not how a XXXX XXXX procedure is prepared more, XXXX XXXX are not removed from the XXXX, but can only be removed from the XXXX XXXXXXXX & XXXX of the XXXX XXXX. ( I also have this information recorded on audio located on my XXXX that I can send to you ) I further Informed the Senior Counselor at XXXX that the following day the doctor XXXX XXXX under the XXXX of my XXXX and back into my XXXX. I was told that I would have to wait at least three months to see results from this procedure. I did not return to XXXX ever to continue and finish the procedures that I paid for. XXXX XXXX Senior Counselor at XXXX reconfirmed that I did not receive a XXXX XXXX Treatment. With that said, I made attempts to contact XXXX XXXX XXXXXXXX by phone & I did not receive a response. I then contacted Chase Bank 's Disputes Department. I filled out the dispute forms & returned the forms by US mail. I contacted Chase Dispute department, the Dispute Rep. stated the paperwork will take about 10-12 days to reach the dispute department & be scanned into their system & they would contact me further if necessary. I received a letter over a month later stating more documentation was needed to support my claim. I sent in more supporting documents by US mail & followed up with a couple of phone calls two weeks later. I spoke with the dispute department Rep. & the Rep. stated they did not have my supporting documentation for my claim. I contacted the Chase Disputes department two days later, spoke with the Chase Dispute Rep. and the Rep. stated they had received my documentation and further informed me that my dispute had been close based on the length of time. I asked who was the authority that would make that decesion and what is the statue of limitations that enables my dispute to be dismissed? The Rep. was unable to answer my question and stated that I could request to have my claim reopened by fax & by US mail. The following day I sent a request by US mail to have the dispute reopened. Two weeks later I followed up with a phone call and was notified over the phone that my request was denied. The following day I visited Chase Bank on the corner of XXXX XXXX XXXX XXXX XXXX on XXXX XXXX Fl.. At that time I faxed a second request from Chase Bank to Chase Dispute Department requesting the Dispute Department to again reopen my dispute & review the supporting evidence of my claim. I followed up with a phone call with Chase disputes department the following week & asked about the reopening of my claim. I was informed that my claimed was denied a second time for the same reason based on that too much time had passed. When I was sending supporting documents via US mail to support my claim to the Chase disputes department I had spoke with their disputes department multiple times with different representatives checking to see if the disputes department had received the information by US mail and re confirming that that there was in fact ample time for the disputes department to review the facts that supported my claim. During every phone call the disputes department had confirmed that their was ample time & I had no reason to concerned about time. I further informed the Chase Dispute department that I had recorded the conversation at XXXX with XXXX XXXX XXXXXXXX and I had a witness with me at the time XXXX XXXX. More I was prepared to provide both recordings that I gathered at XXXX with XXXXXXXX XXXX XXXXXXXX and the recording I had gathered at XXXX with the Senior Counselor XXXX XXXX. With that being said, at this time I am still prepared to provide Chase Disputes Department as well as the Consumer Financial Protection Bureau with this information. Note, I am not able to upload the proof of recorded files. What I have done is place both consultations of XXXX & XXXX on XXXX to provide more difinitive proof. Please review both links to supported my claim. Copy/paste links below in the address bar to review information. Consultation with XXXX at XXXX : XXXX XXXX XXXX XXXX Consultation with XXXX at XXXX : XXXX XXXX XXXX XXXX Thank you Respectfully Submitted, Owner | ||||||
| 09/11/2022 | Yes |
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| To Whom It May Concern : I am writing to request an intervention from CFPB. I am an innocent victim struggling, challenges with emotional distress relating to closing of accounts with Chase Bank. I am a victim of identify theft in-which my personal information had/has been used by suspects/thieves to apply for bank products { ie checking, savings, credit cards } and merchants cards. In XXXX, I was a victim of identify theft/fraud with Chase Bank resulting the account was closed. I accepted and agreed with Chase Bank decision the account opened in XXXX due to my security protections. The City of XXXX XXXX XXXX, XXXX, CFPB and FTC were notified for the fraud in XXXX and present time identity theft. Furthermore, I've placed a credit freeze with the three credit bureau. The suspects/thieves { same persons } who fraud in XXXX and XXXX, person ( s ) is/are being investigated for criminal economic crime and possibly escalating to Federal level. XX/XX/XXXX : I went to Chase Banking Center, XXXX XXXX XXXX in XXXX XXXX, CA XXXX & established new accounts : checking, savings, and credit card. During 2 hours there, I was upfront with the Personal Banker stated I had and am a victim of identity theft. I presented IDs : my social security card and driver 's license. In addition, I provided proof with the case # from the City of XXXX XXXX Police Department. I requested the banker to notate the new accounts with regard of my current situation identify theft, copy my the case report and copy of my social security. The Personal Banker advised she can only notate ID Theft but nothing further as she can not " Tell other what to do ''. A week later after the accounts have been opened. I discovered the accounts were restricted. I and my sister XXXX XXXX XXXX XXXX, an authorized signer, on my accounts placing calls to Chase Bank Operations Loss Prevention @ XXXX. On XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX called XXXX, spoke with LP Manager XXXX, advised the accounts will be placed on hold with 10 days extension. To allowing XXXX XXXX to submit a claim and submit supporting documentation to lift restrictions on the accounts. On XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX and I. Both present at the Chase Banking Center, located at XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, helped Us calling Operations Loss Prevention Team @ XXXX, established a claim. We spoke with XXXX from the XXXX LP Team and established the claim| Reference claim # XXXX. We received the claim form " Identity Theft Declaration of Claimant '' sent from LP Team via Intranet and handed to Us. The following business day, the completed form with supporting docs were e-faxed via Intranet bank system to Ops LP Team. The completed form included the Statement of Facts, and proof of Identify theft report from the City of XXXX XXXX Police Department. The Statement of Facts detailed my identity theft matter. On XX/XX/XXXX : I discovered my accounts balance are XXXX. On XX/XX/XXXX : I returned to Chase Banking Center XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, once again willfully helped me calling the Ops LP. I spoke with LP Manager_XXXX XXXX, from the Deposit Review Fraud Department who was advising the accounts are in close-pending status not yet closed, and that a decision will be available either on XX/XX/XXXX or the XXXX. I was informed the Ops LP Team is awaiting to obtain a copy of my social security card and CA driver 's license. I rushed home to get my social security card, photo-copied front & back of both, my SS Card and CA DL. 1-Hour later, I returned to the banking center and had my social security card and CA DL e-faxed to LP Team and left the banking center. Twenty-minutes later after I've left the banking center, I called LP Team to confirm the receipt of the e-fax. I spoke with XXXX { Title Supervisor }, who told the decision is final and the accounts have been closed. He questioned XXXX XXXX, " what is the point of sending the documents ''. I advised instruction was given and I answered. I then told him I will return to the banking center, he replied " what is need to go back to the banking center ''. The call was escalated, I spoke Supervisor, XXXX. XXXX, who said the accounts have been closed and nothing can be done or anyone to do to reverse. The materials misrepresentation from Agents from the Ops LP Team causing me emotional distress, driving back and forth, and going through hoops. If decision had been rendered, why Chase Bank Personal Banker still obtain my information and she was opened the accounts. At the beginning, I am and have been cooperative with Chase Bank Operations Loss Prevention by providing all supporting documents, good-faith and honest upfrontly to resolve/bring a solutions about my matter. I pledge with Chase Bank to compasionately considering lifting my accounts under the circumstance, It is " I '' a victim of identity theft. I am an innocent victim, I ask for your compassion, and place yourself in my position to understand the sufferings and challenges that i am and been going through relating in this matter. I attest under the perjury of law, my statement herein, is true and correct. I understand and abide to all laws govern the Financial Institution and my duties as a bank customer. For credibility, I am a XXXX XXXX XXXX and CA XXXX XXXX XXXX for State of California. I am a XXXX for XXXX XXXX and member of XXXX XXXX XXXX XXXX. This channel does not allow me to note sensitive personal data. Thank you. Respectfully, XXXX XXXX XX/XX/XXXX XXXX | ||||||
| 12/02/2021 | Yes |
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Web | Older American |
| There is a charge of {$470.00} on my Chase XXXX Credit Card that I did not incur, dated XX/XX/XXXX. On that day, XX/XX/XXXX, I made a shopping trip to XXXX XXXX on XXXX XXXX in XXXX XXXX, NJ, at which I spent {$81.00}. After paying, I erroneously left my card in the chip reader and left the store. As I was walking to my car, the cashier ran out and handed me my card, saying I had left it behind. I was embarrassed, apologized, and asked whether I should replace the card. He said No, its only been a minute. I then left. The unauthorized charge of {$470.00} was made minutes later. When I noted the unauthorized charge on XX/XX/XXXX, I immediately called to report it. The Chase Fraud Department representative reversed the charge. He explained to me that the card number was not cleared before the next customer was rung up and that, he said, is how I ended up with two charges on my card, one mine ( {$81.00} ) and one not ( {$470.00} ). The representative was upbeat, saying, I have seen this before ; in his experience, a XXXX error was the likely reason for the unauthorized charge. However, on XX/XX/XXXX, the charge was added back, and Chase again claimed that I was responsible for the charge of {$470.00}. They gave no specifics, writing only : You have received benefit from this transaction. I refuted this conclusion and the matter was again put under investigation. At this point, I referred to a feature of XXXX XXXX, which provides a timeline and map of my travel on the day of the transaction in question, XX/XX/XXXX. XXXX XXXX shows that I left the parking lot, driving in my car, at XXXX pm. ( XXXX ). This was 5 minutes after my purchase of {$81.00} and 4 minutes before the transaction for {$470.00}. I was not in the store at the time of the latter transaction ; I was driving home with the credit card in my possession. On XX/XX/XXXX, I called and spoke with Chase representative XXXX, who asked me for a police report. I filed for a report that evening ; the report was emailed to Chase Fraud Recovery on XX/XX/XXXX ( XXXX XXXX ). In my accompanying email, I wrote that I had used the XXXX XXXX timeline feature, and that this corroborated my statement that I was not in the store at the time of the unauthorized charge. On XX/XX/XXXX I received a call from Chase Representative XXXX, who informed me that without additional documents ( in addition to the police report ) she would deny my appeal. She indicated that I should ask for relevant security camera footage from XXXX XXXX. I contacted Whole Foods that same day and talked to Customer Service Representative XXXX, and the next day received a call back from her manager, XXXX, who indicated that, though they would not supply a layperson with security footage, they would supply me with a copy of my original receipt and a copy of the receipt for the customer behind you. They also said that they understood how this might have happened : If the credit card number was " still in there '' when the cashier started to ring up the next order, it would stay " in there '' until that customer 's entire order was rung up, explained XXXX. ( If the credit card number is " in there '' at the beginning of ringing up the next customers items, it will stay in there till the end ). This same explanation was provided by the first representative I contacted at Chase ( XX/XX/XXXX ), who stated this as a reason for removing the unauthorized charge. Nevertheless, I was happy to hear the explanation clearly reiterated, and asked XXXX to provide the explanation to Chase Fraud Recovery. She responded that Chase is very familiar with how XXXXXXXX XXXX XXXX works and declined to put anything in writing. I picked up the receipts on Saturday, XX/XX/XXXX. With this new input and documentation from XXXX XXXX, I called Chase fraud recovery ( XX/XX/XXXX ) and spoke with XXXX, who seemed supportive and said he would request the case be re-opened. I will put my notes on the request, he said. I constructed a timeline document with the receipt copies, emphasizing the timestamps, and showing the XXXX XXXX documentation ; this document was emailed to Chase XXXX XXXX on XX/XX/XXXX ( XXXX ). In the email, I referred to the conversation with XXXX, and offered the following explanation and key to the timeline attachment : The Whole Foods receipt copies for XX/XX/XXXX are shown in the attached XXXX document, along with a copy of XXXXXXXX XXXX Timeline for my time at the store and driving home. Items shown are : ( A ) Timestamp of charge for my order of {$81.00} at XXXX pm ( Please see text box A ) ( B ) XXXX XXXX Timeline shows that I was driving from the parking lot at XXXX pm ( Text box B ) ( C ) The route home is identified ( D ) The time arriving home at XXXX pm ( E ) Timestamp of unauthorized charge of {$470.00} at XXXX pm ( E ), 4 minutes after I left the parking lot at XXXX pm ( B ). The above items referencing the XXXX document show that I had left XXXX XXXX and was driving home when the unauthorized charge was made against my card. Please see attached documentation ( XXXX ) Chase fraud recovery acknowledged receipt of this email but never showed that they considered it. They did not accept or refute this evidence. Eventually, on XX/XX/XXXX, I phoned for a status update. Again, my claim was denied but no discussion of the evidence was offered. I asked for their reason and again was told that the transaction was conducted in the store versus virtual. They never responded in writing or in conversation to the provided evidence concerning the unauthorized transaction. | ||||||
| 08/08/2017 | Yes |
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Web | Older American, Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX XX/XX/XXXXTO WHOM IT MAY CONCERN : I am a XXXX year old, disabled XXXX XXXX , XXXX , Veteran. I suffer from XXXX XXXX, and have been in a long, 10 year battle with JPMorgan Chase Bank ( Chase ), for the past ten ( 10 ) years over my XXXX, GA home. My loan had been with WaMu. WaMu lost my closing documents, including the Note and Deed. When the real estate market crashed, I lost the rental homes that I had been using to survive and pay my bills. Then WaMu bellied up and FDIC took them over in XX/XX/XXXX.. I have a Lost Note Affidavit from the records keeper of WaMu wherein she stated that they needed to have all of the documents re-signed, which I gladly would have done, had they contacted me. WaMu did not have any of my documents, and I believe that the loan had been sold into to a foreign investment several times people realize, every loan that WaMu got their hands on, they sold, and the loans ended up in write offs. My loan would have been no different. I had a securitized expert search for my loan,. My loan was not to be found. Further, federal laws show that FDIC does not execute assignments for banks that they have had to take over, and another bank buys the assets. During a federal court lawsuit, in XX/XX/XXXX, my attorney was suspended for six months. Needless to say I lost the lawsuit. During that period of time, Chase magically received a bogus assignment, to prove 2 they owned the loan, which is not true. It is ludicrous for Chase to think anyone will believe that during my claims for fraud, and their lack of proof of ownership of the loan, the FDIC magically presents Chase with an Assignment, with the date of XX/XX/XXXXon the Assignment. The Assignment claimed that it was drawn up by FDIC in Texas, yet Chase, in XXXX, FL, had XXXX XXXX XXXX XXXX, draw up the document, sent it to Chase for two of their employees, who forged their title as Vice president onto the Assignment, and notarized the assignment. Nowhere on the assignment is there a sworn statement, a mention of a dollar amount, and other discrepancies. I have a Notary fraud action in XXXX County, Florida against the two employees who forged their titles as well as the notary. The Governor of Florida has pulled the notarys commission, and put it permanently on hold. The Florida action was filed in XX/XX/XXXX, and remains on-going. In the meantime, Chase continued making false claims here in Georgia. The last fraudulent claims made, is that they foreclosed on my home XX/XX/XXXX. I know that there was no foreclosure auction of my property, because I went to the Courthouse steps. I arrived for the auction at XXXX XXXX, and left after XXXX XXXX No auction took place. Since I knew no one would believe that XXXX County, Georgia had no auction on XX/XX/XXXX, I contacted the Sheriffs office to find out what I could from them about the lack of auction. The XXXX County Sheriffs Office was kind enough to allow me to obtain a video tape of the Courthouse auction area, showing that at no time on XX/XX/XXXX was there an auction between the hours that auctions take place in XXXX County, Georgia. Chase, is filing a dispossessory against me at this time, and they never legally conducted a sale under power, and never had legal title to my property. The Courts in Georgia allow the banks to do whatever they please, and I had an Emergency TRO Petition in XXXX County Superior Court for a while, trying to keep the foreclosure from taking place until after the Florida case ended, to prevent that case from becoming moot. Florida, unlike Georgia, has laws against presenting falsified real property documents into the public records. I believe and the Florida Court also believes that I will prevail in my Florida case. The defendants filed seven ( 7 ) motions to dismiss, and I 3 travelled to Florida to appear at hearings three times, and survived all seven motions without being dismissed. But my complaint to you, here in Georgia, is that we have a problem with the fraud that Chase is committing against Georgia residents. I dont know how many other times Chase has claimed to have bought properties at the auction on the courthouse steps, when there was in fact no auction held. But I have proof that they have committed fraud this time, and I need help. I can not afford an attorney. I can not afford to move. I am XXXX years old. I served my country in the XXXX in XXXX XXXX and contracted XXXX XXXX because of my faithful service. On federal court judge denied my quiet title action, claiming that Chase did not purchase all of the loans that WaMu had had, and then the next judge stated that I failed to state a claim for relief and dismissed, because five years after allegedly obtaining my loan, they acquired a bogus assignment. The latest pattern in Georgia, is the foreclosing entities fail to consummate the foreclosure, because the foreclosing entity did not have standing to foreclose, and a couple of years down the road, the true creditor is coming forward to foreclose as well. I know of two ( 2 ) people myself, that this has happened to. Georgia does nothing to protect its citizens from these fraudulent acts. Bottom line, is that I need help, and this madness needs to end. Any assistance that you can provide me with, will be greatly appreciated. I believe there was Bid Rigging at the auction, I was told my Property was sold in less than 2 min. there were no other bidders. This is certainly a perfect example of Bid Rigging, unlawful foreclosure and price fixing .... Sincelery, XXXX XXXX | ||||||
| 12/28/2022 | Yes |
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| I disputed a charge on my Chase credit card on XX/XX/2022. I received a text message that there had been a {$2000.00} purchase on my/our card. It was a XXXX and both my XXXX and I were home working on our new house building walls. I went to my computer to check my credit card. I discovered that there was a charge for {$2000.00} to a company called XXXX, XXXX. I went back and asked my XXXX if he recognized it as something we would have bought for the house construction. He said no he didn't think so, so I went back to see what the company was. When I looked it up on XXXX it said it was a 'wedding venue ' in XXXX XXXX XXXX XXXX XXXX Now I knew that neither XXXX of us had made a purchase there, because we live in the XXXX XXXX, and all three of our children are already married and live within XXXX miles. I immediately went to the Chase website and disputed the charge. The charge was immediately removed from my account and they claimed they would investigate and let me know the results, meanwhile they would send us new cards. The new cards arrived within XXXX days and I assumed it was a done deal, until I got a letter dated XX/XX/2022 telling me that the review of the unauthorized purchase on my account had been completed and the conclusion was that we had 'received benefit from this transaction '. I got online and it showed that the {$2000.00} had already been returned to my account. I called the number at the bottom of the letter for the Chase Fraud Department immediately. The agent that answered asked me some identifying questions and looked up the transaction and review. She asked if both my husband and I had our cards in our possession that day and I told her yes, and that we had spent the whole day on our property working on the new house. She then told me that what I had just told her was impossible because the 'actual ' card had been swiped at XXXX., essentially calling me a liar. I told her that someone had obviously made a darn authentic copy of my card, at which point she said she would reopen the case. I mistakenly assumed that meant they would remove the charge again. They did not. At this point I XXXX XXXXXXXX, XXXX again with the intention of calling them. This time it came up as XXXX XXXX XXXX XXXX. I called the number listed and got a recording that said this number is no longer in service. I wasn't surprised. Why didn't the Chase 'investigators ' find the same results. On XX/XX/2022 I got another update from Chase saying that they had again reviewed the case and they were standing by their investigation and that the transaction was valid. On XX/XX/2022 I received another notification online saying the same thing and that I would be responsible for the balance according to the terms and conditions of my credit card. They again reassured me that they had researched it thoroughly. I then called the Chase Fraud line again and talked to an agent. She told me I needed proof that both my husband and I were in the vicinity of our home on the day in question. Pictures with dates and locations, sales receipts, etc. would all be helpful. She again reiterated that the actual card was swiped at the XXXX. I repeated that it wasn't possible because we had both been in possession of our cards that day. I felt like a broken record. I then asked her to produce either my husband 's or my signature since they were so sure the 'actual " card was used at XXXX and asked why I was the one that had to prove everything and they were proving nothing to me? She suggested I write an email and include my questions and the picture I told her proved that we were both at home on XX/XX/2022. I sat down immediately and wrote that email to XXXX. I also included a photo that a friend had snapped from that day that showed the date and location and included my husband, a neighbor and myself building a wall. I received an email back in under XXXX minutes that my message was received and it may take up to XXXX days for the investigation to be resolved. On XX/XX/2022 ( XXXX short days later ) I got another notice through their website that they had come to the same conclusion. Blah, blah, XXXX did not address my request for a copy of my signature, they didn't acknowledge the picture, nothing. I am requesting that this error be corrected with no affect on my credit score and the amount of {$2000.00} returned to the balance on my Chase Freedom card. It was deducted and paid because I was afraid of what would happen to my credit score if I didn't! As far as I'm concerned it never should have been returned to my balance because this is NOT resolved and from what I've read the timeline is unlimited. I sent them a certified letter on XX/XX/2022, with all correspondence attached as well as the picture showing us at home. I stated that if I hadn't heard from them in XXXX days after their receipt of the letter that I was going to contact the CFPB, so here we are. I received a message online today with the same generic letter stating that they stand by their investigation and I owe them for it. I will be closing the account but am not sure I should until it's resolved. What is your opinion? What is next for me? Can you help me? I'm even willing to hire a lawyer because now for me it's the principle. I'm lucky I am able to absorb the charge, somewhat uncomfortably, but still able. There are a lot of people out there that can't! I included a copy of everything I sent in the certified letter in the download of documents being sent to you as part of this procedure. Thank you very much for your consideration. | ||||||
| 11/09/2021 | Yes |
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| XX/XX/XXXX, XXXX I sent a letter to Chase about fraudulent charges from a company by the name of XXXX XXXX XX/XX/XXXX, XXXX Up to this point I have heard nothing from Chase . Nothing I am writing to inform you about the fraudulent/scam charges on my Chase Credit Card XXXX I am requesting that all charges be taken off my account that are related to XXXX and XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. You have already closed my credit card account due to this company, after Ive been a loyal card member for years. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you don't plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. I can not pay this amount of money and I will not pay it. If you dont reverse the charges you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I'm so disappointed that Chase works with a company like XXXX. Thank you for your assistance. XX/XX/XXXX, XXXX Chase tells me they have investigated the charges and they are valid and I will have to pay. ( Attached ) XX/XX/XXXX, XXXX I dispute their investigation and tell Chase I want proof of the investigation and purchases. I am sorry but the letter that was sent to me on XX/XX/XXXX regarding the fraud claim doesn't follow the Fair Credit Billing Act. By law, I have the right to request all paperwork/contacts/investigation regarding this account and you must provide that to me. " Assuring '' me that it was investigated properly is not enough. I will be contacting and filing a complaint with the Federal TradeCommission, XXXX, and the Consumer Financial Protection Bureau. I suggest you drop these charges. I will also be contacting my attorney regarding my rights and how they've been broken in so many ways. This is directly from the Federal Trade Commission 's Website. Bolded/highlighted sentences are all the areas that Chase did not follow the law. The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. You closed my account during a dispute. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA. For example, a creditor cant deny you credit just because you've disputed a bill.You closed my account during a dispute. If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. Which I have requested numerous times without any explanation. If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. Notice the why- I have requested this many times and I get nothing. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. Your company has failed to follow the law. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period. XXXX XXXX Chase tells me they have investigated the charges and the dispute has been resolved. I dont owe anything and that We credited your account for the full disputed dollar amount. XX/XX/XXXX, XXXX Later in the day We are researching the charges and will need more information from me. XX/XX/XXXX, XXXX I get another letter that says Chase is researching the charges and will need more information from me. XXXX XXXX I get another letter that says Chase is researching the charges and will need more information from me. I refuse to pay any of these charges. Chase has broken the law. | ||||||
| 04/19/2021 | Yes |
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| Someone has taken out a fraudulent credit card in my name with Chase bank, which has subsequently been charged off by the company. I first reported the fraud to Chase on XX/XX/XXXX. As of filing this complaint on XX/XX/XXXX, the issue is still unresolved. Despite fighting tooth-and-nail with Chase over the small {$370.00} balance and sending their fraud department substantial evidence that this card is fraudulent, Chase has thus far refused to deal with the issue in a timely fashion. I am soon graduating law school and am in the process of applying to state bars. I need this resolved quickly so that my credit information is accurate for background checks -- there is no reason something like this should take the XXXX months it has. I became the victim of identity fraud in early XXXX after losing my social security card and driver 's license. An identity thief used my information for a variety of ends, including cell phone financing, a fraudulent car rental, and attempts to obtain a pay-day loan. I froze my credit, filed a police report, and contacted all of the companies involved that I was aware of in XXXX of XXXX, believing the problem to be remedied then. In late XXXX, however, I learned of the fraudulent card opened with Chase. I only learned of the card because it was charged off in XX/XX/XXXX and subsequently negatively impacted my credit. I first contacted Chase, with a multitude of documents supporting my claims ( including a police report ), on XX/XX/XXXX. I made a point to explain to Chase that the Texas address they had on file for the card was fraudulent ( Equifax agreed with this point when I filed a dispute with the credit reporting agency ), so they would need to send any decisions or notices to my real address in Tennessee. I was told I would hear something back in XXXX business days. I heard nothing for months, despite calling the fraud services department almost weekly. I later learned that they did send numerous notices to the fraudulent Texas address, despite the fact that I informed them every time I called that the Texas address was invalid. I learned that the card was opened by the identity thief in-person at a Chase location in XXXX, Texas on XX/XX/XXXX. Apparently Chase fraud services believes that it is impossible to open a fraudulent credit account in-person, and this is why they have either denied or belabored my fraud investigation so far. This is despite the fact that I have sent Chase both bank records and a boarding pass showing that I took a flight from XXXX, MD to XXXX XXXX, LA on the day that the card was opened in-person in Texas. I also presented Chase with a hotel receipt showing I was in XXXX XXXX on the day the card account was opened. The bank records show that I was not in Texas at any point during the period in which the fraudulent card was used. My driver 's license, which I also sent Chase, shows my real Tennessee address, rather than the fraudulent Texas address Chase has on file. I reported identify theft to local police and to the Federal Trade Commission. I filed a dispute with XXXX for the information on my credit report and XXXX found that the address tied to the card was a fraudulent address. I have sent all these documents to Chase. Yet, between XX/XX/XXXX, and today, XX/XX/XXXX, they have not resolved the issue. The second to last time I spoke to someone XXXX XX/XX/XXXX XXXX, they said they would put my investigation on an " expedited track '' and that I should hear back from someone within five business days. That was eighteen days ago. Today, I spoke with someone who said that these investigations take 30-90 days. When confronted with what I was told earlier about XXXX days, he refused to comment. I think Chase is having a hard time with this because whoever opened the account in-person must have presented a driver 's license with my name on it. However, I informed Chase that someone had procured a false driver 's license in my name, using my information, which they used to fraudulently rent a car in XXXX, Texas. I worked with XXXX to resolve that fraudulent rental ( they were very accommodating, comparatively ), and they eventually agreed with me that the rental was fraudulent, despite being made by someone who presented a driver 's license with my name on it. I think this same false license could have been used to open the credit account with Chase. Alternatively, the person could be using the driver 's license I lost in XXXX. Either way, Chase has thus far refused to acknowledge that it is remotely conceivable someone could have fraudulently opened this account in Texas while still presenting a driver 's license -- despite the fact that the exact same thing happened at XXXX in Texas around the same time the credit account was opened. Perhaps the most frustrating aspect of this entire process has been the dizzying decentralization of the investigation and the impossibly of actually speaking with decision-makers. Every time I call Chase I speak to someone new, and it is as if I am reporting the fraud for the first time each time. I have also been told that I am not allowed to speak with an actual investigator. Instead, I speak with call center personnel who have no real ability to tell me what is going on in the investigation. I am told that the decision-makers will make a decision on the basis of the documents I have sent them without ever actually communicating with me if they need clarification. If I could just speak to an investigator, I feel relatively confident this could be resolved in half an hour or less. | ||||||
| 10/27/2022 | Yes |
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| Summary : Chase Bank misappropriated our escrow funds to pay property taxes on a property that my husband and I do not own. Chase refuses to reimburse our escrow account until the tax assessor refunds the misappropriated funds to Chase. In the meantime, due to Chase 's negligence, our escrow account reflects a {$11000.00} deficit and our mortgage payments have risen substantially. Prior to Chase 's misappropriation of our escrow funds, in XX/XX/XXXX, our mortgage was {$2600.00}. Using erroneous information, Chase increased our mortgage to {$4300.00} in XX/XX/XXXX and will raise it to {$3500.00} in XX/XX/XXXX. We alerted Chase to its mistakes by telephone and in writing, but Chase refuses to correct the error until the tax assessor returns the funds that Chase misappropriated, a process that Chase admits may take 60 days or more. Below is a detailed accounting of our interactions with Chase followed by a timeline of events. Details : In a letter dated XX/XX/XXXX, Chase Bank notified us that, on the same day, it paid {$11000.00} in overdue XXXX real estate property taxes and {$5200.00} in penalty and interest fees to the XXXX XXXX, Texas tax assessor on our behalf for parcel number XXXX. On XX/XX/XXXX, I called Chase 's customer service line and a Chase representative confirmed Chase 's payment and our liability for it. After reviewing our closing documents and XXXX XXXX tax records, however, I discovered that Chase 's payment was a mistake. XXXX XXXX, located at XXXX XXXX XXXX in XXXX XXXX, Texas, is a property owned by the trust of XXXX and XXXX XXXX. To contrast, my husband and I live at XXXX XXXX XXXX in XXXX XXXX, which is parcel number XXXX. I notified Chase of its wrongful payment in an XX/XX/XXXX phone call to Chase, in an XX/XX/XXXX message from my online Chase account, and in an XX/XX/XXXX letter to Chase. In the XX/XX/XXXX letter, I also requested a new escrow analysis based on XXXX XXXX tax assessor 's updated property tax liability analysis for our property. On XX/XX/XXXX, Chase stated in a letter that there was an overpayment of {$11000.00} on our account for parcel XXXX. The letter said that when the overpayment was returned to Chase, Chase would credit the funds to our escrow balance. To date, Chase has not reimbursed the funds to our escrow account. Additionally, Chase continues to overcharge us based on their accounting errors. According to our amortization schedule, our mortgage, including escrow, should be {$2600.00}. Chase, however, charged us a {$4300.00} mortgage in XX/XX/XXXX and threatens to charge us {$3500.00} in XX/XX/XXXX. Additionally, in its XX/XX/XXXX letter to us, Chase intentionally misstated the facts about our escrow account and Chase 's culpability regarding its misappropriation of our escrow account funds. In the letter, Chase states " there was an overpayment on your account, '' using passive voice to hide the fact that Chase made the overpayment. Additionally, while Chase made the overpayment using our escrow funds, the overpayment was not made for the benefit of our account, as the letter indicates. In fact, Chase used our escrow funds to pay the taxes on a property we do not own. As of the writing of this complaint, Chase has not reimbursed our escrow funds nor paid our property taxes. Instead, Chase has raised our mortgage payments by thousands of dollars. Timeline ( all events occurred in XXXX ) : XX/XX/XXXX : Letter from Chase to XXXX notifying that it paid {$11000.00} in overdue XXXX real estate property taxes and {$5200.00} in penalty and interest fees to XXXX XXXX on the XXXX ' behalf for parcel number XXXX. XX/XX/XXXX : XXXX XXXX call to Chase for follow up. Chase representative confirmed the information in the XX/XX/XXXX letter. Neither Chase nor the XXXX realized that the tax payment was a mistake. XX/XX/XXXX : Follow-up call from XXXX XXXX XXXX Chase. She spoke with Chase tax department representative XXXX XXXX. XXXX verbally alerted Chase that it used the XXXX ' escrow funds to pay the taxes for the wrong property. XXXX followed up the phone call with a message to Chase via her online account messaging system. XX/XX/XXXX : Response message to XXXX XXXX ' online account from Chase agreeing to defer mortgage payment increases for XXXX months. XX/XX/XXXX : Letter from XXXX XXXX to Chase alerting Chase to the escrow payment mistake in writing and requesting reimbursement within five business days along with a new escrow analysis based on updated tax information. Attached documents to the letter proved the mistake and included property tax and ownership information for parcels XXXX and XXXX. XX/XX/XXXX : Chase letter to XXXX stating their escrow payment will be refunded when XXXX XXXX refunds the erroneous tax payment to Chase. XX/XX/XXXX : Chase conducted new escrow analysis for XXXX ' mortgage. Chase lowered the XX/XX/XXXX mortgage amount to {$3500.00} due a reduction in taxes, but it did not account for escrow reimbursement. XX/XX/XXXX : XXXX XXXX call with Chase representative XXXX XXXX. XXXX confirmed that the XXXX XX/XX/XXXX mortgage bill was {$4300.00} and their XXXX mortgage bill would be {$3500.00}. While on the phone with XXXX, XXXX made a {$2600.00} mortgage payment and {$340.00} principal payment. XXXX made a request for Chase to accept the short mortgage payment for XX/XX/XXXX ( request case number : XXXX ). XXXX reported that Chase received XXXX request for an escrow refund due to the tax payment error ( request case number : XXXX ). XXXX told XXXX that escrow reimbursement could take more than 60 days. | ||||||
| 01/20/2023 | Yes |
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| This is the information which is fraudulently being reported by all three of the major credit reporting agencies I have filed to FTC reports to XXXX reports a state attorney general report containing all of the fraudulent things that are on my consumer report as you will see here Ive detailed the misspellings of my name multiple times with XXXX, XXXX and XXXX XXXX. You will also see inside of this report as well as all of the fraudulent addresses that are on my consumer report. I have reached out to them multiple times asking them to clarify I had to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then XXXX XXXX, then XXXX, all of the fraudulent accounts that are negative that were wrapped up by criminals and theyre reporting to my Consumer Reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains COLLECTIONS /CHARGEOFFS/LOANS. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance? I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Account name JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. | ||||||
| 07/24/2022 | Yes |
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Web | Older American |
| Re : Rejection of JP Morgan Chase closing the matter of fraudulent withdrawals from my mothers bank account This is written to reject JP Morgan Chases closure of the matter of fraudulent withdrawals from the now-closed JP Morgan Chase account XXXX Based on the XXXX XXXX XXXX XXXX case decided in XX/XX/XXXX of XXXX XXXX JP Morgan Chase in favor of the plaintiff, we charge herein, that Chase was first placed on notice of fraudulent activity in account XXXX on XX/XX/XXXX, since this is the date that JP Morgan Chase rejected and reversed a fraudulent check made out to XXXX XXXX, XXXX against my mothers account. Applying the decision of the XXXX XXXX XXXX decision in XXXX, the JP Morgan Chase action in the XXXX account to reject the fraudulent check placed the bank on notice that the account was subjected to fraud. Therefore, according to XXXX vs Chase, notification by the account holder was no longer necessary for JP Morgan Chase to know that a fraud had occurred/was occurring. The discovery of the fraudulent check was sufficient notice. Therefore, based on the XXXX case, Chase was placed on notice/acknowledged fraud in this account first on XX/XX/XXXX, and Chase is XXXX responsible for the 60 days prior to the discovery of the fraudulent check, and all subsequent fraudulent charges. If the Chase XXXX XXXX is not aware of this ruling, their lawyers in the XXXX case, XXXX XXXX XXXX XXXX argued ) and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California are surely aware of this. JP Morgan Chase must apply the ruling of XXXX vs JP Morgan Chase to this case. Chase is also liable for all of the fraudulent charges against this account on other grounds that I previously conveyed, and which I will not repeat herein. I am willing to compromise if JP Morgan Chase covers all of the losses beginning 60 days prior to XX/XX/XXXX ( the date of the reversed fraudulent check ), and all subsequent charges, up to and including XX/XX/XXXX, in addition to the period of XX/XX/XXXX to XX/XX/XXXX, which the bank has already addressed. While we continue to reject the JP Morgan Chase position that they are not responsible for these losses, simultaneously, we are trying to recover as many of the fraudulently transmitted funds as we can. There are approximately XXXX transactions amounting to ~ {$76000.00} at stake. Even for this, Chase has placed insurmountable barriers in helping us to recover our own money. In my first attempt to try to recover my mothers fraudulently spent transferred money, I contacted the XXXX XXXX XXXX Collector, since my mothers account was used to pay someone elses taxes. I asked JP Morgan Chase banker XXXX XXXX XXXX to provide the XXXX XXXX XXXX Collector with what XXXX XXXX XXXX requested, XXXX. Proof of Authorization ( POA ) to the XXXX bank. This official request is the standard protocol to provide payment information amongst the banks, which will then begin the process to authorize the return of funds. XXXX XXXX said that the bank would not directly communicate with XXXX XXXX XXXX regarding this matter. Instead, he provided a printout of the Transaction details of this transaction, which he said I could use to send to the XXXX XXXX XXXX Tax Collector. Anticipating that I would need this for all of the hundreds of non-reimbursed fraudulent charges, I requested a Transaction detail for each of the charges that Chase refused to cover, but which I wished to try to recover. XXXX XXXX was sympathetic about the request, but said that this is a huge undertaking and that there was insufficient personnel in the bank to do this. XXXX XXXX escalated the request to the JP Morgan XXXX XXXX. In response to XXXX XXXX escalation request, the Chase Executive Branch called me on Friday XX/XX/XXXX. They said that they would also not undertake such a labor-intensive request, but transferred the call to the Customer Service Department XXXX who then transferred to the Private Client Department XXXX who then accidentally transferred to the Compliance Department XXXX who then transferred to the Claims Department XXXX who told me that there is a memo in the file stating that any request that I make can only be addressed by the Executive Branch XXXX who began this chain of transferred calls taking more than an hour by denying me the data I need in the first place. Not only is JP Morgan Chase derelict in protecting funds, and derelict in reversing fraudulent charges, they now take the arrogant position that the work to provide the information that the depositor needs to attempt to collect the funds themselves is just too much work for their system. This document is written to demand the reversal of all charges 60 days before XX/XX/XXXX which is the first date of notice of fraud on the account, and all charges after XX/XX/XXXX up to XX/XX/XXXX based on the XXXX XXXX XXXX XXXX vs JP Morgan Chase case. In the meantime, Chase should be required to immediately provide Transaction details on each of the fraudulent transactions that it has not so far reversed ( e.g. all transactions between XX/XX/XXXX and XX/XX/XXXX ). Chase should also be required to provide data or answers from companies who received my mothers fraudulently transferred funds whenever I receive these requests, so that I can pursue restitution while I simultaneously explore my legal options. Reports of this will be sent to the Consumer Finance Protection Bureau as a new complaint, and to the Attorney general of the state of California, the XXXX XXXX District Attorney, my Congressional Representative, and to media Consumer advocates. | ||||||
| 12/02/2022 | Yes |
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| After terrible customer service and following all of the needed steps within a short given time period instructed by Chase Auto to provide full payoff on my Auto Lease, Chase has failed to provide the final Vehicle Title document in a timely manner prior to the lease expiration date of XX/XX/XXXX. After many phone calls from myself to the customer service center and from a local Chase branch manager, Chase Auto informed us there is no records on file - either that states the vehicle was placed in my name and no general copy of the title transfer. They informed me that the record was sent in regular USPS mail on XX/XX/XXXX and that I should receive within 10 business days - It is XX/XX/XXXX and I still have not received my vehicle title in the mail as they suggested. Full Story, Dates and Details On XX/XX/XXXX, call to Chase Auto to request a second lease extension on my XXXX XXXX XXXX due to a delay on the availability of another used car I'm looking to purchase. My first lease extension was set to expire on XX/XX/XXXX. Chase Auto representative advised me that I was unable to request another lease extension until 1 month out from the lease expiration date. I was told to try calling back to request an extension on XX/XX/XXXX. On XX/XX/XXXX, I call Chase Auto customer service back and ask for a second lease extension. Chase Auto only allows one lease extension to customers so the representative asked what was the reason for the request and I explained it was purely due to a delay on the other car I'm looking to purchase. They submitted the request and informed me that I would hear back within 1-2 business days of the result of the second extension request. On XX/XX/XXXX, I was told that one additional month could be available to me but not a full XXXX month extension. That unfortunately is not long enough so I requested for information regarding what the payoff amount would be on the car and process information to go that path if a lease extension is not available to me. The representative transferred me to another department where they gave me information regarding the full payoff amount. I requested the paperwork for payoff be sent to me via email and through postal mail. They informed me that would take another XXXX business days to get it in the postal mail and a couple days to receive the information via the Chase online message center ( but they wouldn't send any correspondence to my direct email ). Checking everyday in my physical mailbox and logging on to my Chase online account to find the requested payoff documentation and forms- did not receive this important information until another week later, on Monday, XX/XX/XXXX, in the online message center. After reading the paperwork and read that payoff funds should be received by XX/XX/XXXX - I immediately gathered the funds for the full payoff ( which includes state taxes and fees ), and had it deposited into my personal Chase Checking account for Chase Auto immediately. Chase Banking ended up placing a hold on the deposit as of XX/XX/XXXX, not allowing the money to be made available immediately for the payment back to Chase Auto. I went to my nearest Chase branch to help me figure out how to approve and clear the funds in my account. This took one full business day on XX/XX/XXXX for the branch manager to help get it approved. On XX/XX/XXXX had the branch manager make a cashiers check for the full payoff amount of {$20000.00} and he had it sent overnighted via XXXX for Chase Auto to receive by XX/XX/XXXX - a day before the payoff due date of XX/XX/XXXX. No confirmation of the funds were received. No communication directly from Chase Auto on next steps. A week later on XX/XX/XXXX, I call to confirm how the title is being sent. They said they take up to XXXX business days to process the funds for the payoff prior to releasing the vehicle title in my name. On XX/XX/XXXX, I called Chase Auto again and they informed me that they cleared the funds and they already sent the Title in regular postal mail and that I would receive it in XXXX business days. I asked why a title was sent in regular mail and not expedited and they informed me it was because I didnt leave a FedEx account number on file, otherwise they dont do that on behalf of the customer. Chase XXXX failed to inform me that was an option available to me. On XX/XX/XXXX, the date that I was expecting to have the title in time by, I proceeded to return back to my local Chase Bank branch to see the branch manager who helped me through this process to ask if there is anything he can do on his end to give me documentation that the cashiers check was received and cleared on Chase Autos end. I received a cashier check receipt showing the funds cleared and was deposited by Chase Auto on XX/XX/XXXX. The branch manager called Chase Auto and asked for confirmation that the title was sent out. The branch manager was informed the vehicle title was just sent out that day on XX/XX/XXXX. He proceeded to ask on my behalf if there is any documentation at all stating the vehicle was transferred into my name or if they have any copy of the title on hand. Chase Auto confirmed they did not. Once the payoff was received, they immediately sent out any record they had out to me and have nothing on record at Chase Auto group. Today, XX/XX/XXXX, I still have not received any information or the final vehicle title documentation from Chase Auto directly. This should be immediately rectified solely by Chase Auto for failure of timely services and improper handling of personal property. | ||||||
| 07/13/2021 | Yes |
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| I am contacting you in regard to the closure of my checking and savings accounts. I am filing this complaint because 1 ) Chase verified checks I deposited, made the funds available and then later returned the checks and 2 ) proceeded to arbitrarily close my account. The returned deposits that initiated the closure of my account was a result of a scam that I was a victim of. I wanted to take the time to explain the situation, submit evidence to be reviewed, and ask that the decision to no longer do business with me be re-evaluated and the funds recovered. Since XX/XX/2021 I have been a victim of a scam conducted by my former neighbor and business partner. From XX/XX/2021 to XX/XX/2021 there were multiple instances of returned checks, many of which were involving my Chase account. They are listed below : 1.On XX/XX/XXXX, I received an eCheck from him for {$100000.00} via email and checked to make sure it was verified on the XXXX XXXX XXXX ( XXXX ) site. I also verified with he that he had the funds to cover the check. On XX/XX/XXXX, I deposited the check from he which he sent through XXXX. On XX/XX/XXXX, the check returned. All evidence pertaining to this transaction is included. 2. On XX/XX/XXXX, he wrote me a check for {$10000.00} and asked me to give him the cash. He went to the Chase branch ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) with me where the teller verified the check. I then cashed the check and gave him the cash. In addition to proof of this transaction, I have even included a photo of him holding the cash. On XX/XX/XXXX, the check for {$10000.00} returned. 3. On XX/XX/XXXX, he issued me a cashiers check for {$25000.00}. He came to the Chase branch with me to deposit this check ( XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ). The check went through as verified and funds were made available on XX/XX/XXXX. Then on XX/XX/XXXX, the check returned. On XX/XX/XXXX, I visited a Chase branch in XXXX, IL where I was visiting my family at the time. I spoke to branch manager about the situation and he opened up a case. I then submitted all evidence to him via email on XX/XX/XXXX. Since XX/XX/XXXX, I have called Chase multiple times about the status of my case and have just been told that my account is restricted and will eventually close and I will no longer be able to do business with Chase. I have called Chase multiple times about this matter and each time have spent 2 hours on the phone being redirected to different departments. I have not been able to resolve this matter in person or over the phone. I received a call from the escalation team ( XXXX ) the persons extension is : XXXX. She left me a voicemail and said to call her back regarding case ID XXXX, I have called her multiple times with my case number and have left over 5 voicemails with no response or a call back. On XX/XX/XXXX I mailed the Chase Headquarters with all of the attached evidence I am submitting now to you. On XX/XX/XXXX, I received a call from Chase notifying me that that they received my letter with the evidence and were going to start the investigation. Later that day I attempted to log into my Chase account and noticed my accounts were closed. I then immediately went to local Chase branch in XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX ) where the manager tried to help me but was unable to do anything about my account closure. Chase has unfairly closed my account and did so before taking the time to even investigate what had happened. I have been a victim of a scam and as a result am being punished. These returned checks were all from the same person and Chase verified them and the funds were made available. Once they returned Chase froze my account and then later closed it. I am a loyal Chase account holder and do not want my reputation to be tarnished due to the unfortunate situation I have become a victim of. I want to make it clear that I did not do anything wrong, I was just trying to be a trusting and caring person. I was taken advantage of and am now trying to repair the damage caused. The multiple instances of returned payments, bad checks, and lack of cooperation from him has resulted in this case escalating from a civil resolution to a legal one. He has failed to respond to the demand letters sent via certified mail notifying him of the dishonored checks. I also have filled a complaint against his bank, XXXX, to the Consumer Financial Protection Bureau ( cfpb ). I have already reported XXXX to the local XXXX Police, FBI, Trade Commission, IC3, and XXXX District Attorneys Office I have attached all of these reports, his information, and proof of returned payments in this letter. I ask that you review the evidence attached and finally take this case that I have presented multiple times seriously. For Chase, the nations top bank, after having verifying these checks and making the funds available, should take responsibility to recover the funds. Furthermore, they should not make assumptions to close my account prior to investigating the situation. Lastly, they should have the decency and courtesy for their customers to return their calls and evaluate the evidence submitted. I have taken every measure possible to criminally prosecute him. As opposed to Chase, our nations leading bank provider, supporting their client, they have taken the side of the criminals by punishing the innocent. I ask you, does this sound like the practices of a bank in America? How corrupt has our nation become that a bank can legally do this to one of their customers? Does Chase not hold themselves to higher standards? | ||||||
| 08/05/2021 | Yes |
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| On XX/XX/XXXX I applied for the Chase Freedom XXXX card. The promotions advertised to me were the following : An introductory APR of 0 % for the first 15 months, a {$200.00} bonus if I spend {$500.00} in the first three months my account is open, 5 % unlimited cash back on XXXX XXXX travel, 3 % unlimited cash back on dining & drugstores, and 1.5 % unlimited cashback on all other purchases. I received notice that I was approved for the card on XX/XX/XXXX. I began using the card, but did not carry a balance until the XXXX period. On XX/XX/XXXX I was notified that my credit limit had been automatically increased and I logged into the app to check in around the increase. I noticed at this time that interest had been applied to my account. I reached out to Chase customer service via the number on the back of my card on XX/XX/XXXX to let them know that I was being charged interest and that I should have 0 % APR for the first 15 months. The customer service representative looked into the offer and noted that it was available at the time I applied and that there were no terms and conditions present that would have barred me from receiving the 0 % APR for the first 15 months my account was open. I was told the issue would be escalated to the appropriate team who would look into the issue and correct it if need be. On XX/XX/XXXX I received a letter inside the Chase App. The letter stated that they had reviewed my request for a lower APR and were denying this request. This response did not acknowledge that I was not requesting a lower APR, but that I was requesting that the promotion I applied for was not applied to my account. I called the customer service team again and they let me know that they have no ability to correct these issues. I was told when this situation had happened with others the only way to get it resolved was to reach out to Chase through the Secure messaging portal in the app, and that this is how real changes occurred. I sent a message to the secure portal and received a response on XX/XX/XXXX the response noted that they had reviewed my account and could not give me the 0 % APR for the first 15 months, there was no explanation as to why. I proceeded by calling the follow up number provided in the response. This is a separate customer service team from the team you're connected with via the number on the back of the card. I was told that as a decision had been made I was not allowed to escalate the situation again, even though I had not been provided with an explanation as to why my account was missing this promotional offer. I was then told a number of contradictory things. First, I was told that the application team could confirm if the promotion was in place ( this had already been confirmed in my first call ) and if they could confirm that this issue could be resolved. I was transferred to the application team, which was closed and the call was disconnected. I followed up again today ( XX/XX/XXXX ) which lead to some confusing contradictions. I was told I applied incorrectly through a third party and wasn't eligible for the promotion, this is untrue and I applied online directly through the Chase Website. I do not apply for credit cards via third parties, in fact this is the only general purpose credit card I have ever applied for, and it was after 6 months of research. I called the applications department again and confirmed I applied correctly, but was told that they are unable to view introductory APRs. I called the management team back and received some interesting responses in relation to my notes around what the application team told me. I was told that I must not have qualified for the offer of 0 % APR for the first 15 months, I asked what this meant on three separate occasions and the manager was unable to explain this to me. Additionally, this note from a manager contradicted my first point of contact who noted there was nothing in terms and conditions that would have barred me from receiving the promotion. I was then put on hold and when the manager came back to the conversation she noted that the 0 % for the first 15 months offer was not a promotional offer at the time I applied. I asked her to confirm that this promotion was not available for only XX/XX/XXXX out of all the previous months it had been offered and then for all of the following months, she confirmed, noting that XXXX was the only month out of the years, before and after, that this promotional offer had been standard that the promotion did not apply ( WHAT?!?!?! ). This is contradicted by online promotion materials, multiple customer service reps, and my own research. This is a basic promotion Chase has been running since I began researching cards in XXXX it makes no sense it would have been suspended for the one month I applied ... I've exhausted my options for encouraging Chase to correct this issue. They have put the weight of this onto me and have refused to correct the problem. I've been told I may file a written complaint with Chase via fax, but I was also told not to hold out for a resolution from them. That said, I've decided to file a complaint with Consumer Finance with the hope that Chase can be discouraged from doing this to others. This was my very first general purpose credit card, and it's useless to me for the large purchases I had planned for my first 15 months. Closing the card will negatively affect my credit, so I'm now stuck with a card that doesn't meet my needs and a company I do not trust. Any support I can receive would be greatly appreciated. | ||||||
| 12/05/2023 | Yes |
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| XXXXopened new business checking and savings acct in person XXXXdeposited check from my mom for {$30000.00} to help start our business. Was told funds would be available XXXX XXXXreceived email from Chase stating we have a new letter that can be found by logging into our account and further stated that our account had been restricted due to potential fraud and our account may be closed soon. The email said we can find the letter by logging into our Chase account ; however, since our account has been restricted, we can not login to our account. I called Chase to get more information and was told they had to speak with the check maker ( my mom ) to verify that she wrote the check. I provided her phone number, they called her, but the call was disconnected because she was driving and lost service. XXXXcalled Chase to have them try calling my mom again and was told they are unable to call the number I provided because it isnt registered to her name based on the system/program Chase uses to verify phone numbers . They could only call the number that showed up under her name which was an old number she hadnt used in several years. She also said the wouldnt allow my mom to go to a Chase branch to verify issuance of the check. XXXXmy husband, XXXX XXXX, the other Member of the other LLC, went to a local Chase branch to get the restriction removed. He and the branch manager called the new account department and was told we cant access ANY of our money, including what was already in the account aside from the {$30000.00} check. He was told that my mom could put a stop payment on the check and get us a cashiers check. Unfortunately, it would take a couple days for her to be able to reissue the check after a stop payment was requested to ensure the payment didnt go through. XXXXmy mom called me and said the {$30000.00} check had cleared her account. I called Chase and they confirmed they had received the money and funds would be available on XXXX. Since the check was paid and not returned, they would credit our account and they no longer needed to speak with my mom to verify funds. All we needed to do was call Chase and have the restriction removed. XXXX-I called Chase to have the restriction removed and was told they had to speak with my mom to verify the check before they could do anything with the {$30000.00}. They wouldnt send the funds back to her or credit our account until they spoke to her. They said they could hold the funds for up to 2 years, and if this still wasnt resolved, they would have to escheat the funds to the state of XXXX. They said they could only verify it by calling my mom using the phone number in XXXX and there was no other way to verify her. They again told me she couldnt go to a Chase branch to verify the check. I explained that we are in a family plan which is probably why it doesnt show her name associated with that phone number. The representative told me that my mom would have to get a new phone number that was registered to her name and I told her that was absurd and asked to speak to a supervisor. After being on hold for an hour while the supervisor reviewed the notes in the file, she said my mom could go to her bank where the check was drawn, Chase could call the bank and verify my moms identity and confirm that she issued the check. XXXXmy mom went to her bank, I called Chase to let them know my mom was with her banker and was ready to verify the check, but was told I was misinformed and Chase cant verify the check through a 3rd party. I asked to speak with a supervisor and was told the same thing and that my mom would need to have her bank recall the funds and that there was no guarantee that Chase would send the funds back to my moms bank. They also told me that even though the check cleared and funds are in our account, we cant use ANY of our money since our account is restricted. They finally gave me the reason the check was flagged and it was because my mom couldnt fit the whole name of our LLC ( XXXX XXXX, XXXX ) on the payee line so LLC was written above the line. I told the supervisor that they are illegally holding our money hostage and I couldnt find any provisions in their deposit agreement where we agreed to this or that gave them the authority to hold ALL of our money. After I hung up, I called back to opt out of arbitration since their deposit agreement said we had 60 days from when the account was opened to do so. The person I spoke with said I couldnt opt out because our account is restricted. THAT MUST BE ILLEGAL! .My mom has a Chase account and her phone number that Chase refused to call her on is the same number associated with her Chase account. Me, my mom, and my husband met at a Chase branch and spoke to the branch manager. He contacted the new accounts department to help get the restriction removed from our account. After almost 2 hours of him being transferred to different supervisors, he was finally able to get someone to call my mom and verify the check. He was told that the restriction has been removed and it would take about an hour before we could log into our account. Its been over 7 hours and we still cant access our money. Chase is violating federal regulations by holding our funds and by not allowing us to opt out of arbitration. Chase cant hold funds longer than 9 days since a reasonable person would know this is not fraud. This has costed us a lot of time to try and resolve the issue. We are losing business and it is affecting mine and my husbands relationship as it is causing a lot of emotional distress. | ||||||
| 01/16/2021 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX at XXXX eastern time my husband deposited {$2800.00} into an atm located inside of Chase branch at XXXX XXXX XXXX, XXXX NC . He had to go inside because the drive through atm wasn't accepting deposits at the time. There were three tellers standing there. After he put the money in the ATM had an error and screen started loading for maybe 2 minutes then popped up an error stating to call XXXX to make sure your deposit went through. He called one of the bank reps over they clicked continue and it printed a receipt saying same thing. Then said dont worry a teller will check to see if transaction went through. He went up to teller, teller could not find the transaction. And teller said to call the number and they will sort it out. I called when he got home, it was a number to open a claim. It was XXXX XXXX XXXX, the bank refused to credit the account until XX/XX/XXXX or sooner if they reached a decision. The following Tuesday XX/XX/XXXX I went to the branch to speak with the Branch manager who also said nothing can be done now, but the machine will be audited the following day. The following day I called and she said the machine was audited but the account wont be credited until the report is filed by the end of the following day which would be XXXX XX/XX/XXXX. XX/XX/XXXX came and I again called the branch manager and she then said no decision will be made until XX/XX/XXXX and there is nothing she can do or anyone can do, that we must wait. At this point me and my husband were very angry as we were positive they had confirmed the total of the deposit. But were being forced to wait on a cash deposit and rent was do. Our landlord suggested to call the FDIC. We called the FDIC and they gave us this a phone number for the Chase Executive Branch, as well as info to file reports with the CFPB and XXXX. We called first to Chase and were told by first representative that Chase Executive Branch has no access too accounts and that we should contact claims department. The following day I had a XXXX scheduled. While we were driving to hospital we received notification through Chase app. That the claim was closed this is XXXX XX/XX/XXXX. The letter simply said they investigated and found that the transaction was accurate. We were in hopsital almost the whole day so did not have time to file complaints with government or file police reports against Chase. Later that evening shortly after coming home a rep from the Executive office called by the name of XXXX XXXX asking us to fax a copy of the deposit receipt to him. He scheduled a call for Wednesday XX/XX/XXXX to follow up with his findings. On Wendsday someone called to inform us that he was out of the office and would call us when he returned. He then called us on Thursday to inform us that the matter was sent to another department to investigate and he would call us on Tuesday XX/XX/XXXX to follow up with us. Today Saturday XX/XX/XXXX we called into Chase claims to find out why our account had not been given the provisional credit which Regulation E requires banks to give while investigating things. The claims rep lied and said he can not access info as we had escalated it too the executive office, we then called the executive office and were told to speak with claims She put us on hold to connect us, and then after a long wait told us the claim is closed and no deposit or credit will be made that they were unable to locate a deposit. Now with zero deniability 3 bankers physically watched the deposit be made, it is more than likely that not only was the transaction recorded but that the deposit would have been recorded from several angles as it was an in branch deposit. Therefor their is no chance that if an investigation were actually done very little or no time would be required to confirm yes a cash was deposited into the atm. yes and error on part of the banks atm happend. That all would be easy to see on the security footage. We understood because of the amount that Chase wanted to verify the amount before finalizing the deposit. However once the audit was complete, assuming it was. If the ledger was found to be balanced and not over for {$2800.00} or more depending if other customers also lost money to that atm. Then it would be clear should an investigation truley be done that whomever was in charge of the ATM audit wrote down one thing stating the ledger was balanced and pocketed the difference. But this again is where I say not only would the representatives have seen a deposit, but the security footage that is most certain to have capture a deposit from several angles would not verify an amount of deposit but would most certainly verify that if that deposit was made and not credited to the account that the ledger therfor can not be balanced unless the person auditing made an amazingly coincidental error in counting or pocketed the money. Or that no audit was ever made and Chase simply closed claim and was to lazy to actually investigate the claim. More over after many hours of researching these situations online and reading forums The money would have likely been put into a different box altogether and would therefor not take very long at all to confirm. At this point we are forced to file multiple complaints with the appropriate government agencies as well as file a police report. We will also reach out to local media and try to draw as much attention to this situation as under no circumstances will we simply allow our money be taken and told I'm sorry. Something Chase in whole seems to say far to much. | ||||||
| 06/15/2023 | Yes |
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| Chase Bank Total Checking I was asked to provide my mobile phone number by a branch employee to access my account. My checking account may or may not be closed. XXXX XXXX, 2023 Entered XXXX XXXX XXXX, XXXX, Virginia, XXXX. Met with someone to the left of the entrance, in a booth, about opening a new checking account. The person asked me for my identification to create an appointment with a banker to open an account. I made an appointment for the same day, XXXX after the time I entered the branch at XXXX XXXX The earliest time available. I met with someone and opened a checking account with a coupon that I previously requested to be delivered through e-mail from XXXX. I was asked for two forms of identification to open that account. There was no written document showing what two forms of identification were acceptable. I asked for a print out or physical copy of what I could provide to satisfy the two forms of identification requirement, to no avail. The person could only offer the options of drivers license, credit card or passport. I provided my drivers license, passport and coupon. I provided the coupon by showing that person an email from my mobile device. I digitally signed documents. I chose a debit card design. I was provided with checks and bonus disclosure terms and I exited the branch. XXXX XXXX, 2023 Entered Chase Bank, XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX. Met with a person at the booth to the right after entering. I received a bonus, without meeting the requirements. I have included a copy of the document stating the requirements. I asked the person about how that was possible. I only received a direct deposit of {$340.00}, not the {$500.00} that was required. I was told that there were many different coupons and each had different requirements that were offered separately to individuals with different requirements. I was not confident the person understood what I was attempting to have answered. I attempted to rephrase the scenario differently by saying that I did not meet the requirements for the coupon to be realized as a bonus and deposited into my account, at the full value of {$200.00}. The person asked me for two forms of identification to access the account. I provided a drivers license and passport. The person then asked me to confirm my phone number, XXXX. That person then asked me to provide an authentication code. I declined. I am under an assumption that employees would not ask for verification information. With that assumption as a foundation, I declined to provide a verification PIN. The verification PIN sent to my cellular phone had been used by another bank to provide a verification PIN in the past. I dont know if that was a baiting maneuver or an intellectual attack by that person at the XXXX , Virginia , Chase branch. I dont know if it was asked in jest, if that person was actually attempting to open another account without my knowledge with my two forms of identification and a verification code or if I was overly defensive. I asked to withdraw the funds and close the account after voicing my concern of the branch asking for two forms of identification and a code for access and close the account, in the branch. The person went from the booth, to the teller and handed me an envelope with {$540.00}. I asked for a business card and left the branch to deposit the cash in a separate bank account. While walking, I realized the receipt of the withdrawal was not a closure of the account. The account was entirely withdrawn and left open. I went back to the branch, saw the booth was occupied and walked straight to wait in line for the teller. During the walk to wait at the window, the security guard asked what I could be helped with, I said to close an account. I noticed a person walking towards me. I said I needed to close an account. That person asked me to wait in a circle of chairs. I sat in a chair. A few moments later, what I believe to be the same person that asked me to have a seat, returned and asked me to follow to an office and have a seat again. I did so. I was asked for account information. I did not have any account information readily available. I handed my drivers license to that person. After a few moments of looking at a what I believe to be a computer screen, that person said the account was closed. I said ok and asked to confirm if the receipt was the proof of the closure and if that was the only proof. That person said yes. I exited the office and left the branch. I have access to the account online through Chase.com, XXXX hours after the time on the withdrawal receipt. I reviewed the bonus terms and realized that I did meet the requirements of the bonus. The terms that I believed I had agreed to were not the same as the terms of the bonus coupon. The terms that were advertised on a website and the terms that were attached to the bonus coupon were not the same. I was incorrect when stating to the person in the booth at the XXXX, Virginia branch that I did not meet the requirements of the bonus. That person did not have access to the bonus terms and, as I found out later, closed my account without a verification PIN that I was asked to provide. XXXX XXXX, 2023 I attempted to login to my chase.com account and this is a copy & pasting of the message, It looks like you don't have any accounts to show. If this info doesn't look right, please call us at XXXX. We also accept operator relay calls. If you're XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, call XXXX for assistance. If you didn't, please call XXXX for help. | ||||||
| 03/25/2023 | Yes |
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| My family and I were supposed to be on a flight the night of XX/XX/XXXX. The flight was cancelled and the airline moved us to a different flight, leaving the morning after, so my family and I stayed in a hotel near the airport. I have a Chase Sapphire Reserve card for which I pay a hefty fee every year, and the only reason I have it is to be covered during occurrences such as this one while traveling. I submitted all required documentation to get reimbursement for the hotel expenses I incurred because of this trip delay ( for the amount of {$230.00} ), and I was contacted on XX/XX/XXXX by Card Benefits Services ( XXXX ), the service that Chase uses to pay its customers claims, and was asked to provide extra documentation, some of which is usually not required, but I went ahead and submitted all the requested documents. After that, Card Benefits Services had everything they needed to process the payment, however they emailed me on XX/XX/XXXX and asked me to provide a copy of the updated itinerary, which I had already submitted, so I had to call and spend more time showing them that actually I had already uploaded the document they were asking for. After this, they emailed me again on XX/XX/XXXX, almost a month after the prior call ( they state they get back to their customer within 5 days after documentation is submitted, but in this case its taken them almost 2 months ), stating that the airline carrier statement is incomplete. So, I looked at the Carrier statement I submitted to the XXXX portal on XX/XX/XXXX, and it provides all details Card Benefits Services would need to pay the claim. I contacted Card Benefits Services on the same day, and after almost 50 minutes on hold, I was told that the airline carrier statement is incomplete because it states that the flight was cancelled for technical issues, but does not specify the type of technical issue, and that I would have to get additional details about the type of technical issue from the airline. After I explained to the person on the line that such request is unwarranted, and realized she was not able to assist me further, I asked to speak directly to the claim examiner and I was told that it would not be possible and they would have to call me back. I then asked to speak to a supervisor and I was told that they can not do that, when I asked why they said that they are not allowed to transfer calls to a supervisor. That was the end of the call. Now, in regards to the document in question, I uploaded the statement that the airline emailed me, and that is all I got. I am not sure the airline would be willing to disclose additional details at this regard ( why would the passengers be entitled to know more about the airlines technical issues?? ), but if the Card Benefits Services claim examiners want to waste their time nit-picking and chasing unimportant details from the airline, they are welcome to do so. I, however, absolutely refuse to comply with their absurd and unwarranted requests. Moreover, I submitted the carrier statement on XX/XX/XXXX and only now they are telling me they consider it incomplete?? It sounds to me that they are kicking the can down the road, so that the customer would get tired of dealing with them and throw in the towel. But for me this is now a question of principle, the Chase Sapphire Reserve agreement states that in the event of flight cancellation by the airline, the card holder 's hotel expenses are covered, and, while a carrier statement, which I promptly submitted, is necessary to to verify the reason the flight was delayed, nowhere is it mentioned that such carrier statement would need to specify the type of technical issue experienced by an airline. I even looked at the sample of the common carrier statement provided on the XXXX website, and the contents looks very similar to what I submitted. I provided exactly what is required ( and more! ), and now I expect to be reimbursed. And, taking this long to process a claim for such a small amount and coming back several times asking for documents they already have, and stating they need immediate response, when in reality they already have everything needed to verify the veracity of a claim, is unacceptable, unprofessional and utterly inefficient. I am appalled at the service I am getting as a Chase Sapphire Reserve card-holder, and I am even more appalled at the time Ive had to spend dealing with their inefficient Card Benefits Services for a such small amount of money. After speaking with Card Benefits Services on XX/XX/XXXX, I called Chase customer service directly to get a resolution and to complain about Card Benefits Services ' frustrating response, and spent another 30 minutes on hold before talking to a manager, just to be told that he will submit an internal complaint, which I will never be notified of, but that is the extent of what he can do, as claims are outsourced to Card Benefits Services and Chase does not deal with them. I told Chase that I hold them accountable for this, and that I would submit a complaint, and he said it is my right to do so. It surely seems that Card Benefits Services is playing a game, and Chase is approving of it by doing nothing to rectify the situation. However, I am no longer willing to play their game, hence I am submitting this complaint to CFPB, hoping for a resolution but, more importantly, hoping to bring this matter to Chases upper management attention. They would obtain more respect and retain more customers by contracting out to a different, more efficient and professional company. | ||||||
| 05/24/2021 | Yes |
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| XXXX. I, XXXX XXXX, reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, XXXX. 2. This statement relates to a claim associated with JP Morgan Chase with the reference number XXXX. 3. On the XXXX day of XXXX, XXXX, I entered into a contract to purchase seven items from XXXX XXXX in the amount of {$4300.00}. 4. Over the next week, each of the items in the order were delivered and received at the aforementioned address, by an individual other than myself. I was not present during the time of delivery. This individual noted exterior cosmetic shipping damage on four out of the seven items ( 1x item XXXX, 2x item XXXX, 1x item XXXX ). This would not have impacted the functionality of the items but given these were Christmas gifts, a return was requested. The return labels were printed out and affixed to packages but the items that needed to be returned were not put into the boxes as this was being done. 5. These packages were inadvertently dropped off, along with other returns, on the XXXX day of XX/XX/XXXX. The corresponding tracking numbers associated with this return attempt are XXXX, XXXX, XXXX, and XXXX. This is the first return attempt. 6. On the XXXX day of XX/XX/XXXX, I received four emails ( one for each item in the return ) indicating that the returns were refused due to the packages not containing the specified items of the return. After inquiring with my family about what happened with the return, I was able to piece together the collection of events noted in statements 4 and 5 above. Since the items were never finished being packaged, the packages received by XXXX XXXX were empty. This can be confirmed by viewing the previous four tracking numbers in statement 5 above and noting that the packages weight registered as XXXX lbs. 7. Upon returning home on the XXXX day of XX/XX/XXXX, I spoke to XXXX XXXX located in XXXX, XXXX XXXX who informed me that I would be able to return all four items in person at a XXXX XXXX location. I mentioned that I was refunded for one of the four items ( an XXXX XXXX, item XXXX ) and requested that I be charged for this item ( in the amount of {$440.00} ), being that it was not yet returned and I intended to keep the item for personal use. I was clear that I intended to return and only needed a refund for three items ( 1x item XXXX, 2x item XXXX ). On the XXXX day of XX/XX/XXXX, I went into a XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, with the remaining three items in the return. I was told by employees that since the original return was designated as a mail-in, they would not be able to process the items in store. 8. On the XXXX day of XX/XX/XXXX, I contacted XXXX XXXX and was able to schedule a pickup of the three items in the return. I reiterated that I had been refunded for item XXXX and that I no longer wanted to return this specific item, so I requested I be charged for it. I made it clear that the remaining three items in the return would still need to be picked up. 9. On the XXXX day of XX/XX/XXXX after several days of no contact in regards to the pickup from XXXX, I reached out to XXXX XXXX about sending the driver again. Almost two weeks later, on the XXXX day of XX/XX/XXXX, XXXX XXXX sent me four XXXX return labels ( despite me having clarified that only three items were being returned ). 10. On the XXXX day of XX/XX/XXXX, I packaged item XXXX and XXXX into two separate boxes, with dimensions XXXX. The third item remained in its original XXXX packaging. I attached the labels XXXX XXXX provided me with to all of the corresponding packages. 11. On the XXXX day of XX/XX/XXXX, these three packages were dropped off at the XXXX location on XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, at XXXX. The first package containing the first instance of item XXXX corresponds to tracking number XXXX. The second package containing the second instance of item XXXX corresponds to tracking number XXXX. The last package contained item XXXX and corresponds to tracking number XXXX. This is the second return attempt. 12. On the XXXX of XXXX, these three packages were delivered to the XXXX XXXX XXXX in XXXX, Indiana at XXXX and were signed for by an individual at that location, XXXX XXXX XXXX 13. In all subsequent communication with XXXX XXXX, on the XXXX, XXXX, XXXX, XXXX, and XXXX day of XXXX, XXXX XXXX has continuously referred to the first return attempt in order to deny a refund for items received. Each time I explained the situation to the customer service agent, they understood the situation, but because a different team handles returns, once a refund request is sent out, that second team keeps referring to the first instance, in which the items were not received. 14. I filed a claim with Chase on the XXXX day of XX/XX/XXXX. On XX/XX/XXXX, the claim was denied. When I called to inquire about the reason for this denial, it was because XXXX 's XXXX provided the tracking numbers only for the first return attempt -- in which the packages were empty and the products were not returned. The second return attempt, in which XXXX 's XXXX did receive the items for the return, was not mentioned. 15. On the XXXX day of XX/XX/XXXX, I notarized the statement of facts found above and faxed the information to Chase, reaching out three times between this date and today, the XXXX day of XXXX. Each of these times, I was told that someone would follow up with me within 48 hours. No one has done so yet. 16. As of today, I affirm that I have returned the aforementioned items to XXXX XXXX but have not yet been refunded. | ||||||
| 09/28/2019 | Yes |
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| I disputed a charge made on a Chase credit card for a moving service that did a terrible job and damaged several pieces of furniture. It is my understanding that the FCBA allows for disputes of service charges as long as they were over {$50.00}, and this is for a charge of {$140.00}. The following is the timeline of events : XX/XX/XXXX : I called to report the dispute from the moving company. XX/XX/XXXX : I receive a generic secure message from Chase stating they received my information XX/XX/XXXX : I received a call from Chase at XXXX. I return the call at XXXX. I supplied the requested details ( my estimated cost, date of service ) XX/XX/XXXX : I receive a generic secure message from Chase XX/XX/XXXX : I sent pictures through the secure message center because I wasn't sure they went through with the initial message XX/XX/XXXX : I got a call from a Chase representative at XXXX who asked questions. I answered them and then I sent another secure message asking for more information. XX/XX/XXXX : I received a generic secure message from Chase XX/XX/XXXX : Chase sent another generic secure message stating that my message was received XX/XX/XXXX : I received a call from Chase at XXXX. I was at work and couldn't answer immediately, so I returned the call at XXXX. The representative was rude, told me she didn't know anything, and said that a letter had " literally '' just been generated. I wrote a secure message to Chase asking for more information. XX/XX/XXXX : I got an email that the company that I am disputing the charge with responded. I am told that I have until XX/XX/XXXX to sign a letter and fax, email, or mail it stating whether I still dispute the charge. I sent a secure message stating that I am still disputing the charge and requesting what specific information is needed so that I can help Chase in any way possible. I never received a response to this question. XX/XX/XXXX : Yet another generic secure message from Chase. XX/XX/XXXX : I received a call from Chase at XXXX. Again, I'm working, so I returned the call at XXXX. The representative said he didn't know anything and couldn't do anything. He transferred me to someone who he said would be able to help. The person didn't answer, so I left a voicemail asking what was needed from me. I never received a response to this message. XX/XX/XXXX : I got an email that I have a new statement/document. I log in to check on it and it says that the charge is considered valid because " We contacted the merchant to discuss the disputed transaction ( s ). We reviewed the information available and found that the merchandise was provided, and you didn't return it or make arrangements for the merchant to pick it up. We can't confirm that you're due a credit because the merchandise was not returned to the merchant. '' This was a dispute about a service. There was no merchandise to be returned. I am clearly not being listened to. XX/XX/XXXX : I called the service center again, and get yet another person who says they don't know anything and can't do anything. Finally the woman put me on the phone with her manager. He gave me several untrue statements, saying that I failed to answer multiple attempts for communication. Please see the above timeline of communication. He told me I never provided an official estimate of the cost of the damage, which I was never asked for, even when I asked what specific information that was needed. He had no answer as to why the charge was reinstated on XX/XX/XXXX when the signed letter was due XX/XX/XXXX. He said that I am unable to speak to anyone other than him. He said that what I needed to do was to send in the invoice for repairs or the cost to replace the furniture. He said this was the missing information that was needed for the dispute to be considered valid. XX/XX/XXXX : I sent the signed letter and the cost to replace the furniture via fax. I also emailed an invoice estimate from a furniture repair compare company through the secure message feature of the website. I have completed both options that he said would be successful in the dispute. XX/XX/XXXX : Another generic message from Chase, stating that the information was received and would be responded to in 1 business day. XX/XX/XXXX : I called the customer service center. The woman I spoke with verified that she could see the notes about sending in the invoice and that the invoice had been received. XX/XX/XXXX : For good measure, I sent the signed letter due XX/XX/XXXX through the secure message center, even though it had been previously faxed. XX/XX/XXXX : Another generic letter from Chase XX/XX/XXXX : I got a message that the charge is valid. I called to ask why, when I provided the information that I was told that I needed, I got this letter. The manager said that you can not dispute a service based on quality. I told him that based upon the Fair Credit Billing Act, you can, and that is why I was able to dispute in the first place. He said that you should cancel the service before the poor service performed. I asked him how I was supposed to do that when I didn't know the service would be poor. He couldn't answer. I asked him why I was asked to provide specific documentation, and then that specific documentation wasn't accepted. He said that although he could see notes about it, he couldn't answer about a team member 's conversation and couldn't stand by the information that he verified that the supervisor told me. He also couldn't answer why the case was closed before the date I was told I needed to respond had passed. | ||||||
| 12/18/2022 | Yes |
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| This morning at XXXX XXXX XXXX XX/XX/XXXX ), I received a text message from Chase Bank stating they had noticed fraudulent wire attempts on both of my accounts. The text stated to respond with Yes if this was you or No if it was not. I typed in No. Shortly after, at XXXX, I received a call from someone portraying themselves as Chase Bank Supervisor, wanting to ensure my wires did not go through. He stated his name as XXXX XXXX. I told XXXX I was skeptical of him and hung up, to which I then called back a JPMorgan missed call on my phone ( thinking it was the real Jpmorgan letting me know about the fraud attempt ). When I called the number, it had all the same prompts as Chase typically has, and I continued with the call, eventually being set back up with XXXX. XXXX then ran me through the process of stopping my wire by sending a wire, which would cause XXXX to call me about the wire. Admittedly I thought this was very strange, BUT I thought I was talking to Chase Bank and had no reason not to trust his directions. As we initiated a new transfer, XXXX said he would send through codes to make sure the wire was deleted. I received codes from XXXX for the transfer, and it went through. I know now what XXXX was doing, he had another person call Chase acting as if they were me, as the other person impersonating me would get questions from the real Chase XXXX would ask me the exact same questions, as the wire was initiated XXXX would tell me he was sending through codes for my transfer, which the person impersonating me was also getting from the real Chase person. This recording of the impersonator doing the transfer has to be on your end and you will clearly hear that it is not me on the phone. It is an impersonator stealing my money. He then said it was normal and the money would be back in my account within 24 hours, and that XXXX would call me to ask if I wanted to press charges against the original fake wire in the morning. I then started to get a natural gut reaction telling me something was wrong. I called XXXX out and said I think this is fraud and hung up. Then I called Chase to report the fraud. Once I called Chase somehow, I was routed to the fraud call center that acts and sounds just like the actual Chase center. I reported the fraud there, not knowing I was reporting the fraud to the center that actually did the original fraud. After this, I went to the XXXX XXXX XXXX XXXX for Chase banking and spoke with XXXX XXXX, and she helped me get my debit cards closed and fill out a stolen identity form ( this was the incorrect form/I needed to fill out the UCC forgery packet/which I am doing today XX/XX/2022 ). After leaving the bank, I called Chase again to add more information to the fraud claim. I wanted to let them know the above story. Unfortunately, each time I call Chase, somehow my phone call is routed to the fraud call center and my attempts to report this incident do not end up with Chase. About XXXX on XX/XX/XXXX, I had a weird suspicion that my calls and reports were actually not getting through, and I remembered that I am a Chase private client. I called this number and finally got through to XXXX Chase bank. Theyhelped me with the fraud claim and told me that my wire had not gone through and that maybe it could be stopped ( which I am waiting to hear back from now ). I then returned to the XXXX XXXX Chase Bank to confirm that all had been entered into my account and that the fraud claim was started, which XXXX XXXX Confirmed. The Chase customer service person at XXXX XXXX was XXXX in Fraud dept. These people are excellent at fruad they had all of my info, including how many devices I was logged into, how much money was in my account, most of my personal info and they have an actual call center that sounds exactly like you are calling Chase Bank. Please help me return my hard earned money. Claim Number XXXX Dear Chase Fraud I am requesting a reopening of my wire dispute. I have met with a Supervisor at Chase and have added more information to the notes. I have sent the phone records of the calls and shown that it was Chase XXXX number that was calling me and that I called back. In addition to these notes please look back at the wire transfer records, there are original notes there saying that I called to " speed the wire transaction through as I was doing a very important investment ''. I never talked to someone at Chase to speed the wire ( which should be confirmed by voice recognition ). This means an imposter calling as me was able to get all the way to a person at Chase in my account to try and speed the wire through. This is fraud as this person was not me, but was acting as if they were. Impersonation of a banks depositor is fraud. Once the wire recall was made ( which should of been made IMMEDIATLY upon my call to Chase to report the fraudulent wire ) there may of been a much higher possibility of getting my wire recalled if this was handled properly on Chase 's end and that the wire was not " pushed through ''. I have contacted XXXX to get help tracking down the fruadulent wire and also requesting your help in this regard ( please see second page ). At the very least you all should be helping me recall the wire so that I can get my money back and/or I should be able to talk to a person in charge of making these decisions so that I can explain my case further. {$22000.00} is not small amount of money for me and I need to figure with you the best way I can to get my money back. Please help me in this regard | ||||||
| 08/29/2018 | Yes |
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Web | Servicemember |
| To Whom it may concern, can assist, or have expertise in. My name is XXXX XXXX XXXX and my contact information can be found at the bottom of this page. I'm a native Californian, a XXXX Veteran ( XXXX ) for 37 years, and a XXXX for 30 years. I have no criminal record, never been arrested, and have a Drivers License and XXXX License that are unremarkable. I have always loved my country, respected all laws, and did what I could to enhance my community and help out the less fortunate. I am contacting You with a plea for help and a call for a legitimate investigation. I'm not asking for a hand out, any favors or gifts. I just want what's fair and right, and justice to be served. In less than a year, I have had all I've worked for, My home of 27 years stolen from me. The problem stems from multiple Predatory Loans, with the last one being Criminal. Here are the facts of the matter : I bought my home in XXXX and unknowing to me, was one of the first innocent victims to the Refinance Schemes of the early XXXX 's. I was always promised that the next Refinance would be better but that never proved to be the case. It just led to another Refinance. My first was in XXXX, second in XXXX, third in XXXX, and in XXXX the forth was the beginning of the set up by XXXX XXXX XXXX ( Fined and Disbanded by the State ) and XXXX XXXX ( Mortgage Fraud XXXX ). Six weeks prior to the XXXX Refi, XXXX XXXX and XXXX helped my Mother sell her house in XXXX XXXX, CA. and that's when they acquired Her financial information, so she could move out to the XXXX XXXX to retire. However, My Refi was so bad that I was promised another Refi shortly, with a better rate as they dropped. That brings us to XXXX and the last Refi that involved the defunct XXXX XXXX XXXX shortly before their downfall. That Refi was a XXXX with no proper document signing or recording, especially the Deed. I signed the regular Refi documents, but was never informed that they drove to the XXXX XXXX to add her as a Co-signer because of her perfect credit. That is what I was told one month later when the first statement arrived. Chase Bank serviced the loan and refused to look into any improper actions by Mr. XXXX, XXXX, or XXXX. The scam started to appear when the loan was NOT indicative of someone with perfect credit. Hoping to work my way out of the loan that progressively got worse, I made every payment for 10 years in person, with cash, on time. But as the loan got worse, so did any communication from Chase. The Criminal Fraud came to my attention, when less than a year ago, attempting to make another payment in cash at the local Chase Bank, just like I had done for 10 years, I was asked for an ID due to a change in Bank Policy at Chase. When I produced my Drivers License to the Teller, I was informed that I was not on the loan and had to make " Special Arrangements '' to do so. That is when I became outraged and decided to look into the depth of the Fraud. A Consumer Whistle-blower Advocacy informed me that the last Refi was a XXXX, was Fraudulent, and that the Deed was never signed. My Mother is illiterate, in her mid XXXX 's, XXXX XXXX, and in poor health. She has never lived with me at the property, and I was told if she passes away, I would lose the house. So I stopped making regular payments after 27 years, and decided to protest until the property was in My name. I did not qualify for any assistance, or benefits because the property was not in my name, and my Mother has not worked in 20 years. Every Lawyer I contacted wanted to do their specialty, like Bankruptcy, instead of the proper fix, because it was too costly. I was also informed that every Judge that I could present this too, would side with the big Banks instead of the Middle Class because of Corruption and Special Perks they receive. How could my Local, State, and Federal Government turn a blind eye and abandon me? Especially after My service and Record. And the Fraud continues! They have postponed the auction of the property, two times, while they go back and " Rubber Stamp '' the delinquencies in the Original Documents. XXXX XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX XXXX should be included as Defendants, as the Conspiracy to cover up the original XXXX XXXX continues. XXXX XXXX was just assessed with a XXXX XXXX penalty for " Misrepresentation of Loan Quality '', and all I want is a Federal Law Enforcement Agency or an Expert in this field to give me a fair investigation. Here is XXXX Attorney XXXX XXXX 's account of how they are trying to hide the Fraud : XXXX If they continue to claim that no fraud occurred, then just refund me my payments for the last 10 years, because I was misled into believing that every payment I made was towards my property and would enhance my credit. Because of the scope of the Fraud, I'm pleading for the IRS, FBI, SEC, State and Federal Attorney Generals to do the right thing. This is not a Cyberspace/Faceless crime. The Original perpetrators were convicted in Arizona of Mortgage Fraud, and XXXX was heavily fined and disbanded by the State of California years ago. Furthermore, on XXXX XXXX, the DOJ reached a XXXX XXXX Agreement with Five Largest Mortgage Servicers ( including Chase ), to correct servicing and stop abuses. This is clearly a violation of that agreement. XXXX I am almost XXXX XXXX XXXX and am way too old to start over, so this is a matter of life and death. Not to mention the decreased quality of life to my Family and Patients. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX | ||||||
| 12/10/2021 | Yes |
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| Hello, My Name is XXXX XXXX. Im writing to share my recent experience with Chase Bank, where Ive been a member for XXXX years. I am appalled by how Chase has treated and, I feel, misled me. And I want to at least make sure this behavior is known. My usage of Chase services has always been basic and straight-forward. I have a checking account and credit card. I auto-pay the credit card balances each month from my checking account. I had a standard auto loan, also auto-paid monthly. In XXXX XXXX I received a promotional mailing from Chase, offering the opportunity of a Balance Transfer with a 0 % APR rate through XX/XX/XXXX, along with XXXX live checks. Chase advertised this offer as an opportunity to pay off other debts, get cash in advance, or make a large purchase. I was unaware of what is a Balance Transfer until I received the mailing though Ive researched since then and it seems Chase was offering use cases for the loan beyond a traditional balance transfer ( aka paying off one credit card with another, to my understanding ). Being unaware of what is a Balance Transfer or how to use, I called Chase Customer Service, and was informed that in order to use, I will need to submit a Balance Transfer request from my credit card to transfer to my checking account. Then, once that money is in my checking account, I should use XXXX of the checks from the promotional mailing to make my intended large purchase. A few days later after following these steps, I discovered that XXXX Balance Transfers were executed, note XXXX as I intended and expected. XXXX Balance Transfer ( and associated 3 % transfer fee ) occurred when moving funds from my credit card to my checking account. The second Balance Transfer ( and associated 3 % transfer fee ) occurred when the merchant for my large purchase cashed the check. This is not what I wanted, intended, nor expected and this happened because of incorrect direction provided to me by Chase. I immediately called Chase customer service and expressed my desire to return the funds but also have the duplicate fee ( {$240.00} ) refunded to me, given this occurred due to misinformation provided by Chase. I was simply told balance transfer fees are nonrefundable. I tried calling multiple times, speaking with supervisors, etc. and it became clear that not one representative had any intent to acknowledge or correct their mistake. At one point, after much fighting, I had a supervisor tell me hes escalated my dispute and as all customer service calls are recorded, a team will review the call log of what was communicated to me and share their findings within 14 days. This was over a month ago. Ive tried contacting Chase ( via phone and site messenger ) multiple times to inquire and get a straight-forward response to this inquiry. I continue to receive canned responses that circumvent my question. Furthermore I separately contacted Chase to inquire about what payments will need to be made on my card to avoid interest payments. Ahead of my XXXX statement balance, I was told if I make the minimum payment due and on top of that, make another payment that covers purchases for the existing statement, I will not get charged interest. Or said another way, the only recognized balance remaining on the card will be the 0 % APR promotional Balance Transfer. I triple-confirmed with this representative, and they told me I can call back once my XXXX statement is available if interest and non-interest balances do not reflect what she communicated. Of course, a few days later I see an interest charge on my account. And once my XXXX statement is published I see there is still a balance that Chase is recognizing as eligible for interest charges. I am perplexed because at that time my full card balance is > {$2000.00} lower than the Balance Transfer amount. Said another way, Im under the impression Ive paid off all purchases and in addition, some of the Balance Transfer amount. I once again call Chase and am told because there was a balance on the card at the time of the Balance Transfer activity, that existing balance was not paid off and will continue to exist ( and accrue interest! ) until the entirety of the credit card balance ( both non-interest eligible aka balance transfer AND interest eligible ) is paid off. Furthermore, they can not or will not explain to me how my payments are applied to each balance. This looks to me as an incredibly deceptive way to indirectly lock-in interest charges. A promotional 0 % APR was communicated to me. However, that balance was mixed in with an existing balance from other purchases effectively creating a pool of funds that generate interest charges. I dont see how anyone can read this and come away thinking Chase had behaved in good faith or been honest and transparent about their business practices. They have taken {$240.00} from me due to the duplicate balance transfer, and now I am being charged interest on balance ( ~ $ XXXX ) that I can not fully pay off today ( that is the entire point of utilizing a 0 % APR offer! ) Of course, Im in the process of closing all of my Chase accounts. Beyond that, however, Im concerned there are many customers having similar experiences that are best case misleading, worst case intentionally deceptive, and do not have the time or energy or knowledge to challenge. I am hopeful this letter makes its way to someone who is inspired to take action. And I can make myself available to provide additional detail or documentation as needed. Sincerely, XXXX XXXX XXXX XXXX | ||||||
| 02/20/2021 | Yes |
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Web | Older American, Servicemember |
| 1 RECEIVED SUSPICIOUS CELL PHONE CALL. CALLER MENTIONED PAST DUE DEBT WITH CHASE CREDIT CARD AND WANTED FURTHER INFORMATION KNEW MY NAME ( BUT REFUSED TO IDENTIFY THEMSELVES ) BUT SINCE I DID NOT HAVE ANY CHASE CREDIT CARD OR ACCOUNT AND HAD NEVER RECEIVED ANY BILLS, NOTICES OR ANY TYPE CORRESPONDENCE FROM CHASE CREDIT CARDS FIGURED IT WAS A SUSPICIOUS PHISING CELL PHONE CALL & DID NOT PROVIDE ANY INFORMATION AND HUNG UP! ( VERY VERY SUSPICIOUS )?? 2. RECEIVED CALL FROM XXXX ASKING IF I HAD SUBMITTED A REQUEST TO TO " CHANGE MY E-MAIL ADDRESS ''??? ADVISED XXXX I HAD NEVER REQUESTED TO CHANGE MY E-MAIL ADDRESS AND TO PLEASE LEAVE IT THE SAME AS IT'S ALWAYS BEEN. ( AGAIN VERY SUSPICIOUS )??? 3. RECEIVED CALL FROM OUR BANK ( XXXX XXXX ) THAT CHASE CARD SERVICES HAD TAKEN ADVERSE ACTION AGAINST ME AND PLACE A NEGATIVE STATETMENT ON MY CREDIT REPORT STATING I HAD AN UNPAID CREDIT CARD CHARGE NOT PAID??? I HAVE NEVER EVER EVER HAD A CHASE CREDIT CARD, NEVER EVER EVER MADE ANY PURCHASES NOR RECEIVED ANY BILLS, NOTICES, OR ANY TYPE CORRESPONDENCE FROM CHASE CREDIT CARDS AND THOUGHT BY LAW A CREDITOR MUST NOTIFY A CONSUMER OF ANY TYPE ADVERSE ACTION. CHASE CREDIT CARD NEVER NOTIFIED ME OF THIS ADVERSE ACTION ONLY OUR BANK WAS KIND ENOUGH TO CALL AND REPORT THIS ... IF NOT FOR OUR BANK I WAS NOT EVEN AWARE THIS ADVERSE ACTION HAD BEEN TAKEN. . I THOUGHT THIS WAS " HIGHLY UNETHICAL BUSINESS PRACTICE TO PLACE NEGATIVE INFORMATION ON MY CREDIT REPORT WITHOUT EVER BEING TOLD AND NEVER RECEIVING ANY TYPE BILLS OR NOTICES OR CORRESPONCE ... HIGHLY UNETHICAL!! 4. UPON LEARNING OF THE ADVERSE FRADULENT CREDIT CARD INFORMATION ON MY CREDIT REPORT IMMEDIATELY CONTACTED CHASE CARD SERVICES ( BY PHONE ) AND SPOKE WITH THEIR FRADULENT CREDIT CARD OFFICE AND THEY STATED THEY WOULD INVESTIGATE THIS AND CONTACT ME. ( I'VE NEVER EVER RECEIVED ANY CORRESPONDENCE FOLLOWING MY CALL TO CHASE CREDIT CARD FRAUD DEPT )???? ( AGAIN HIGHLY UNETHCAL BUSINESS PRACTICE??? 5. FOLLOWING MY PHONE CALL TO CHASE CREDIT CARD FRAUD DEPT SENT " US MAIL CERTIFIED LETTER TRACKING # XXXX XXXX XXXX XXXX ON XX/XX/XXXX TO CHASE CREDIT CARD PROVIDING A DETAILED SUMMARY OF WHAT HAD HAPPENED AND EXPLAINED THAT I NEVER HAD A CHASE CREDIT CARD, NEVER RECEIVED ANY BILLS, NEVER RECEIVED ANY TYPE NOTICE OR CORRESPONDENCE AND WAS VERY UPSET THAT CHASE CREDIT CARD HAD TAKEN ADVERSE ACTION AGAINST ME TO PLACE A FRADULENT CREDIT CARD CHARGE ON MY CREDIT REPORT WITHOUT MY KNNOWLEDGE AND THAT I WANTED THIS ADVERSE INFORMATION REMOVED AND DISPUTED ANY CHARGES. 6. PLACED FRAUD ALERT ON MY CREDIT REPROT AND FROZE MY CREDIT REPORT TO PREVENT ANY FURTHER FRADULENT CHARGES ON MY CREDIT REPORT. 7. THE US POSTAL SERVICE VERIFIED THAT MY CERTIFIED LETTER MAILED ON XX/XX/XXXX HAD NOT BEEN DELIVERED TO CHASE CREDIT CARDS UNTIL XX/XX/XXXX DELAYED DUE TO THE PANDEMIC AND LIMITED POSTAL SERVICE DELIVERY. ( SO CHASE COULD NOT RESPOND BECAUSE THEY HAD NOT RECEIVED MY CERTIFIED DISPUTE LETTER AND THE POSTAL SERVICE HAD TAKEN AN UNBELIEVEABLE 2 MONTHS TO DELIVER IT TO CHASE CREDIT CARDS. 8. FILED COMPLAINT WITH THE MISSOURI ATTORNEY GENERALS CONSUMER PROTECTION DIVISION CASE # XXXX FOR FRAUD INVESTIGATION ASSISTANCE. 9. FILED XXXX XXXX POLICE REPORT FOR IDENTIFY THEFT AND FRAUD ( XXXX XXXX POLICE STATED IT SMELLED A LOT LIKE IDENTITY THEFT ) 10.RECEIVED DEBT COLLECTOR STATEMENT FROM XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX EMAIL XXXX ATTTEMPTING TO COLLECT THE FRAUDELENT CHASE CREDIT CARD DEBT AND GIVING ME 30 DAYS TO RESPOND. 11. HAVE RESPONDED TO XXXX XXXX, XXXX VIA E-MAIL AND ADVISED THIS DEBT COLLECTOR THAT I NEVER HAD ANY CHASE CREDIT CARD, NEVER MADE ANY PURCHSE, NOR BEEN BILLED BY THEIR BILLING DEPT OR SENT ANY TYPE CORRESPONDENCE WHICH I THOUGHT WAS HIGHLY UNETHICAL. PROVIDED A COPY OF MY CERTIFIED LETTER ( WITH ALL THE FACTS IN THIS MATTER ) AND EXPLAINED IM XXXX YEARS OLD, RETIRED CAREER MILITARY AND XXXX VETERAN AND THAT BY LAW A CONSUMER IS ONLY REPONSIBLE TO PAY {$50.00} FOR A FRAUDULENT CREDIT CARD CHARGE AND THAT I WOULD DO THIS ONLY IF THE UN-ETHICAL CHASE CREDIT CARD COMPANY REMOVED THEIR ADVERSE ACTION FROM MY CREDIT REPORT. OTHERWISE I'VE HAD ENOUGH, PHONE CALLS, CERTIFIED LETTERS AND E-MAILS NOW TO A DEBT COLLECTOR COMPANY ATTTEMPTING TO COLLECT A FRADULENT CREDIT CARD CHARGE ON BEHALF OF A HIGHLY UNETHICAL CREDITOR. I ADVISED XXXX XXXX IF THEY WANTED TO CONTINUE COLLECTION ACTIONS AGAINST ME ON BEHALF OF AN UNETHICAL COMPANY THAT I DIDN'T WANT TO RECEIVE ANY FURTHER NOTICES FROM THIS DEBT COLLECTOR COMPANY AND THAT IF THEY WANT TO CONTINUE PURSUING THIS TO COLLECT A FRADULENT CHARGE TO SEND THEIR COLLECTION MAIL TO THE MISSOURI STATE ATTORNEY GENERALS OFFICE CLAIM # XXXX AND TO THE XXXX XXXX POLICE DEPT IDENTITY THEFT AND FRAUD DIVISION TO ASSIST THEM WITH THE ONGOING INVESTIATION OF THIS MATTER, HOWEVER THEY WERE WELCOME TO CONTACT ME IF BY LAW I PAID {$50.00} FOR THE FRADULENT CC CHARGES CLAIMED BY AN UNETHICAL CREDIT CARD COMPANY ONLY ONLY IF THE UNETHICAL CHASE CREDIT CARD COMPANY REMOVED THEIR UNJUSTIFIED ADVERSE ACTION FROM CREDIT REPORT AND UNLESS THIS WAS DONE BY THE UNETHICAL CHASE CREDIT CARD COMPANY THAT I'D HAD ENOUGH AND AT MY AGE DIDNT NEED ANYMORE MADE ENOUGH CALLS, CERTIFIED LETTERS, COMPLAINT FORMS AND THAT I'D GO TO MY GRAVE AND NO MATTER HOW HIGH AND DEEP THE WATER GETS, I WILL ADAMANTLY REFUSE TO PAY AN UNETHICAL CREDIT CARD COMPANY FOR " FRADULENT CREDIT CARD CHARGES '' XXXX XXXX XXXX ( XXXX MILITARY RETIRED ) XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX EMAIL : XXXX. | ||||||
| 05/07/2019 | Yes |
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| In early XXXX my card were shut down of XXXX I wrote this letter but then I was just told to wait for 30 days To Whom it May Concern Recently all three of my credit cards were shut down by Chase due to too many requests for credit or review of credit and not enough credit information on file with the findings from XXXX. Too many requests for credit or review of credit Three of the inquiries were not me ( XXXX, XXXX and XXXX ). I have contacted XXXX, XXXX, and XXXX to have these inquiries removed, as well as filed a police report concerning identity theft. I have contacted all of the creditors involved and had them pull the applications on their end as well. Not enough credit information on file When I asked a Chase customer service representative to provide more clarification on this I was asked why didn't you open a line credit before XXXX when you were more than able too. Prior to XXXX I did not have a bank account with Chase. I waited until I had a steady job to start my line of credit responsibly. Being guided by a Chase banker I was told that it is never too late to start building credit. At the time I was an authorized user on several credit cards. I was advised by Chase bankers to open a Chase Freedom card, and later a Chase Sapphire card, both of which I was approved for. After accumulating some debt, a Chase banker encouraged me to open a Slate card to do a balance transfer ( which was later denied ). I followed the guidance of the staff and bank I trusted to build my credit with. I have never missed a payment and I always pay well above the minimum to minimize my debt as much as possible. In regards to my payment activity card ending in XXXX the minimum payment is {$56.00}. I have paid well above the minimum multiple times in amounts as high as {$1600.00}. Card ending in XXXX the minimum payment is {$79.00}, and I have been applying no less than {$120.00} per month to the debt. In the past two months I have paid {$1000.00} each month. Card ending in XXXX the minimum payment is {$25.00}, of which I have paid increments of {$100.00}, {$600.00}, and {$200.00} recently. At the current rate, I plan to repay each card in its entirety within the next four months. These are not the patterns of a high risk individual. I believe that my credit usage is actually lower than XXXX reports. XXXX also reported that with my credit score and payment history I have only an 8 % risk of becoming delinquent in the future. I have been a loyal Chase customer, and have been diligent and responsible with my finances. I have fixed the anomalies and am requesting a second review to restore all three of my credit card accounts. Thank you for you time and consideration. After this my cards were reinstated but I was forced to use my points. After I contacted all the credit bureaus got my police report. Clearing me of all the inquires I didn't do. On XX/XX/XXXX I sent this correspondence by email and received a response. Hello We understand your concern about your account and will be more than happy to help you. I have forwarded your message to the appropriate department for review and you should receive a response within six business days. If you require immediate assistance, please contact the number listed below and either myself, or one of my colleagues will be able to assist you. For your convenience, we are available to assist you 24 hours a day. We appreciate your business and thank you for choosing Chase. Thank you, Ratish Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX To Whom It May Concern, Recently my card were closed do to too many Inquires which weren't done by me. Later it was rectified through a very stressful month of calling creditors, credit reporting agencies and living off my debit card only. I had to postpone my plans to move across the country, start school and traveling for family events. I was forced to use the points before my second review was started or else they would expire. This was upsetting to say the least I saved those point for flights and planned out my travels. I am grateful that my cards were reinstated it still took a toll the prices of the flights have risen in price now i have to re-plan and restart my plans. At this point I have none of the points I strategized with. I was wondering if it would be possible to get double or even triple XXXX points as compensation for the stress me an my family were put through.Also so I can get the flights and get back on track with my original plans Chase has been an upstanding financial institution I opened my first credit card and have been a loyal customer since XXXX. The situation is dire, it has left me with an uneasy feeling. I would appreciate any form of communication to help rectify this matter my number is xxxxxor or email xxxxxx Warm Regards This was the response I received a month later Hello We realize this is important to you and are sorry for the inconvenience this may have caused you. XXXX I certainly understand your concern, I know this is frustrating that you account was closed. I am glad that we were able to reinstate your account. Regrettably we are unable to award compensation because your account was closed and reinstated. I know this is not the outcome you expected. I apologize for any inconvenience this has caused. We understand this is important to you and thank you for your patience. We value your relationship with us. Thank you for choosing Chase. XXXX Chase Email Servicing | ||||||
| 04/06/2021 | Yes |
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| I have been a Chase Bank customer for 35+ years, started when it was part of a small branch bank in a XXXX suburb. That branch bank was then merged into XXXX, XXXX, XXXX XXXX, Chase and JP Morgan. I have had 2 mortgages with them and several business accounts over the years. All paid on time and never late and never an NSF charge in the 35+ years. I check my account everyday several times checking to make sure each transaction is accounted for and is actually mine. So XX/XX/XXXX, I check my account, and it was accurate. I then went to my local branch and tried to make a deposit, and the deposit was not accepted at the ATM with a printed slip saying " transaction denied ''. I thought it was the machine and went inside and the teller said my account is terminated. WHAT????? I went to speak to an associate and my account showed call Fraud and Loss department. The associate called them and they indicated " Chase Bank has decided to terminate their relationship with me ''. WHAT???? I said I am not a criminal and have no criminal or fraud record. I have been employed with the same company for 25+ years, and my deposits are from the same company for 25+ years. All my deposits are checks ( maybe a few were cash, after receiving a gift and not wanting to keep large bills in my wallet ). My income and expenses are pretty much the same for 10+ years, there is no sudden {$60000.00} car purchase. There are no international incoming or outgoing wires. I was told by the representative, the decision is final and you are no longer a customer and they do not have to provide a reason why they terminated me. I could have fallen to the ground. I have several personal bank accounts around town, have real estate loans with other banks, and have never been treated like a criminal. I then received a notice in my online account on XX/XX/XXXX, the day after, that my account has been terminated, even though it was actually terminated on XX/XX/XXXX. There was a number to call to get it possibly reinstated, which I called, and they said the account is terminated. I would never had known, unless I went to the bank on XX/XX/XXXX. On the letter received XX/XX/XXXX, it mentions i did not provide the requested information? What requested information? I have a screenshot of my account and the only notice in the past 30 days was the letter from XX/XX/XXXX. A friend of mine 's wife is head of XXXX XXXX XXXX and reached out to the head of XXXX XXXX, but no response. A Chase branch manager did reach out to me and said there is nothing that can be done and Chase does terminate accounts with no notice and will not provide the reason. That was so alarming to me, how does the average consumer trust their bank, if they can terminate your account in the middle of the night and your financial lifeline is closed. In one of my many conversations with XXXX - anybody at Chase, I said to them, the checks outstanding were written to help soe individuals get back on their feet and get groceries. I said I dont care about me, but please for humanity reasons, please honor those small checks still out on my account, that were written prior to the termination. These individuals are innocent, did nothing and will not only not get the money I am giving them, their bank will charge them fees for a check coming out of a terminated account. I got the canned corporate response, " Chase does not honor checks from a terminated account ''. I pleaded with them, please, many individuals have gone threw incredible pain the past 12 months with the pandemic, don't make their lives more miserable and let those checks clear from the funds in my account. My wife found out from a social group on XXXX within our neighborhood, over 10 people have had their accounts terminated by Chase. This was from a small sampling of probably a few hundred people. I have searched online and find that Chase does in fact do this action. I have made a complaint to the XXXX, and will follow up with the SEC and Consumer Financial Protection Bureau. I will also reach out to the 3 tv stations in XXXX and producers at XXXX, XXXX XXXX and XXXX. I will also reach out to every member of the Finance Committees in the House and Senate with my story. This is a story of someone who works 16 hours a day to provide a better life for their family, than I had. There is no illegal activity or fraud. I am sharing this story, as this could happen to any other Chase customer, this only happens in XXXX XXXX, where they purge your bank account in the middle of the night with no notice. The US consumer has to have faith and confidence in their banking industry, their life savings are housed with the bank for their security. Cutting someone's financial lifeline is like taking away their ability to care for their family. Chase has done this before and this should not be allowed. I will be okay, and forget the 35+ year relationship I had with Chase , but it is those that have 1 bank account and their life savings are in a bank like Chase. I will not stop until executives from Chase are brought forward in front of the finance committees and answer how they have the consumer 's trust, if they terminate accounts with no notice and do not provide the reason. I hope you will give my story serious thought, as I want Chase to provide confidence to the consumer, that they will not purge people 's accounts with no explanation or no advance notice. The customer is a customer, until they are a proven criminal. I am a 35+ year customer. Thanks, XXXX XXXX ( XXXX ) XXXX | ||||||
| 01/08/2021 | Yes |
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| XX/XX/XXXX - XXXX XXXX - Deposited into my savings account a gift check from my father in the amount of {$12000.00}. This type of gift check has been a consistent annual deposit in the 10 years I have banked with Chase XX/XX/XXXX - before close of business - Chase draws the funds from my father 's bank XX/XX/XXXX - Funds are not showing in our account, but we don't expect them to until the XX/XX/XXXX because the amount of the check. My wife calls Chase to make sure the check is on schedule to clear by the XXXX because we are slated to leave for vacation XX/XX/XXXX - XXXX XXXX - {$12000.00} is posted to my savings account, along with the {$700.00} that was there previously. Multiple attempts to transfer part of the funds to checking for purposes of our vacation are unsuccessful XX/XX/XXXX - XXXX XXXX - we call the 800 number provided by Chase, who indicates that a hold has been placed on our savings account, and we are given a second number that we are to call the next day ( Monday XX/XX/XXXX ) XX/XX/XXXX- XXXX XXXX - call the second number, who tells me that the there were illegible markings on the check and our savings account is being closed. Says they tried to contact my father ( phone records will indicate this is not true ). Said they were closing my account because I failed to call them. No communication of any kind had ever been sent to either my or my father indicating a problem. Chase rep was aggressive, accusatory, and rude. When I asked about accessing even the {$700.00} that was previously in the account, I was told that was impossible, because they'd already closed the account, and that it would be mailed to me. At this point we are 1,000 miles from home on a two-week vacation with very limited funds in any account. XX/XX/XXXX XXXX meet with XXXX XXXX, an assistant Vice President in charge of Personal Banking at the XXXX XXXX branch of Chase. She is helpful and sympathetic. Calls someone who tells her they need verbal verification of the check from my dad because of the marks on the check. Eventually, this is secured over a period of hours. XXXX assures me that the {$700.00} will be made available to me and the {$12000.00} within 4-5 days. XX/XX/XXXX opening of business. My account shows that the {$700.00} has been moved to my checking account, and that savings is no longer {$12000.00}, but rather - {$4.00}. Chase has removed the {$12000.00} from all accounts and charged me a {$5.00} service fee for moving the funds. I call XXXX and leave a message ; the {$5.00} fee is waived by the end of the day. XX/XX/XXXX There is still no sign of the {$12000.00} in any of my accounts. I call XXXX ; she is out on vacation and provides an 877 number to call. I call that number. I talk to three different people over the course of an hour ( we are still on vacation ; this is the second separate day of the vacation that had substantial chunks of it eaten up by conversations with Chase ). They tell me that my check had not been released, but they will release it, and it should show in my account in 4-5 more days. Chase has now held my fathers money for 18 days. XX/XX/XXXX Now back in Ohio, no sign of the {$12000.00}. I file complaint # XXXX with the XXXX XXXX XXXX, and forward updated information about the case as well as the XXXX reference to XXXX XXXX and her manager, XXXX XXXX. I visit my local branch in XXXX, OH. Chase has now held {$12000.00} of my fathers money for 26 days with no adequate explanation. My banker there, XXXX XXXX, is courteous and helpful as XXXX was, listens to my story and makes a phone call. She is informed that the people she spoke to were unable to release the check, and failed to communicate this with anyone. How they expected the situation to resolve itself is unclear. I was told, yet again, that it would be 4-5 days for the money to clear. I was told by the person on the phone that he would follow up with me by Thursday to update the progress of the check. As of Friday evening, he has not called. XX/XX/XXXX I call and leave two messages for XXXX XXXX, updating her. I hear from Chase regarding the XXXX complaint. I am given a name ( XXXX ) at Chase Executive Headquarters, and a phone number ( XXXX XXXX ). I call XXXX and leave a message and my case number. I have yet to hear back from XXXX. I call and leave a message at my local XXXX branch, asking them to call back with updates on the progress of the check. My call is not returned. XXXX XX/XX/2021 XXXX XXXX calls me and tells me shes in conversation with people at the Executive level about the check. She mentions that it might be possible for the money to appear within 24 hours. XX/XX/XXXX- XXXX XXXX calls and indicates that she has been on the phone regarding my situation for 2-3 hours today and is being told that I will receive the funds Tuesday ( XX/XX/XXXX ), and that someone should have asked me if I wanted the money in my account directly or by check ( which seems absurd ). As of the close of business today, this money continues to be in Chases possession, and has been now for a full 29 days. It has already significantly affected our financial decisions, eaten up countless hours of time, including vacation time, and now threatens to leave us unable to pay our bills. No explanation has ever been offered as to why they can't simply place the money back into our account with the automated swiftness with which they took it out. With the exception of Ms. XXXX and Ms. XXXX, we have been treated dismissively and/or downright rudely at every turn. | ||||||
| 05/15/2020 | Yes |
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| XX/XX/2020 - My three credit cards were stolen from my locker at the XXXX XXXX in XXXX, New York. The thief jimmied the lock on my locker, took only my three credit cards from my wallet, and relocked the lock. After working out, I returned to the locker room, unlocked my locker and took a shower. I relocked my locker before I went to the shower room. I then left the XXXX and went out to my car in the parking lot. In the car, I noticed on my phone that I had received email alerts from Chase indicating that charges had been made on my two Chase Visa credit cards while I was in the XXXX. One alert indicated a charge of {$2800.00} on my Chase XXXX card at a XXXX XXXX store. The other alert was for a charge of {$2000.00} on my Chase Southwest card also at the XXXX XXXX store. There were also charges on my third card, a XXXX XXXX XXXX XXXX XXXX ( XXXX ) Mastercard card. The subject of this complaint relates at this time only to the {$2800.00} charge on my Chase XXXX card. After reading the email alerts I took out my wallet to retrieve my Chase cards to ascertain the phone number on the back of the card that I needed to call as referred to in the email alerts. It was then that I noticed my three credit cards were missing from my wallet. I googled Chase on my XXXX and ascertained the correct phone number for Chase which I called. I informed Chase my two cards had been stolen and that a fraudulent charge had been made on each card. The representative cancelled my cards and stated that new cards would be issued to me, which I subsequently received in the mail. After notifying Chase by phone, I went to the Town of XXXX XXXX. to report the crime ( handwritten incident report and computer generated copy of report attached ). I also returned to the XXXX to report the crime as well as going to the local XXXX office to report the fraudulent charges on my XXXX Mastercard card. I received a letter dated XX/XX/2020 from the Chase Fraud Department XXXX copy attached XXXX stating that they were reviewing the " unauthorized use '' of my XXXX card. On XX/XX/2020 I received a letter dated XX/XX/2020 from XXXX of the Chase Fraud Department ( copy attached ) stating that I was " responsible for the following transaction '', the {$2800.00} charge because " You received benefit from this transaction ''. I was flabbergasted! I called the number on the letter and received a voice recording stating that the Fraud Department was not accepting phone calls at this time due to the Covid-19 situation. The recording stated that I could send information relative to my case to a XXXX email address. I composed a brief email XXXX copy attached ) and sent it to XXXX with a copy of the original hand written police incident report from XX/XX/2020. On XX/XX/2020 I sent another email ( copy attached ) to the XXXX email and attached the computer generated copy of the police report that I obtained from the investigating Detective at the Town of XXXX XXXX. The {$2800.00} charge appeared for THE FIRST TIME on my XX/XX/2020 Chase XXXX credit card statement. As required by Chase I submitted a written letter XXXX copy attached XXXX to Chase via the US postal service certified mail with a return receipt requested. A written protest is required as specified on the Chase statement, i.e., " You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. '' Included with my letter were copies of the police report, which I would like to emphasize states that photos of the suspect and the suspect vehicle were obtained from the XXXX Operations Director and were made part of the case file. ( I received the Return Receipt on XX/XX/2020 indicating that my correspondence was received by Chase on XX/XX/XXXX. I received a letter XXXX copy attached ) from XXXX at the Chase Fraud Department dated XX/XX/2020 stating that they had reviewed my fraud claim again and confirmed that the transaction was VALID!! and that I am responsible for the charge! I attempted to call XXXX a couple of times over the next couple of days and only received a voice recording similar to those mentioned previously. On XX/XX/2020 I decided to send another email ( copy attached XXXX to XXXX at the XXXX email address expressing my frustration. I demanded a phone call from Chase to discuss their decision but as of today I have not heard from anyone. The only thing I received back was an automated response to my email submission XXXX copy attached ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I plan on making an on-time payment against my credit card balance but will not be including the {$2800.00} amount in the payment. I only want Chase to recognize the transaction for what it was, FRAUDULENT and per their terms of service I am not responsible for FRAUDULENT transactions. I want the charge to be removed from my account along with any interest accrued from not paying the {$2800.00}. Although I have not received any correspondence from Chase XXXX other than a letter dated XX/XX/2020 similar to the one described above ) regarding the fraudulent charge from XX/XX/2020 on my Chase Southwest Visa card for {$2000.00}, I also am requesting that Chase recognize that this was also a FRAUDULENT transaction resulting from the same larceny committed against me at the XXXX XXXX and, as documented above, was reported as such by me to Chase on XX/XX/2020. | ||||||
| 08/08/2020 | Yes |
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| Here 's the story. I've heard a lot of negative reviews regarding the Chase Bank Mortgage, but at first I don't believe this as it's such a big bank it should be professional enough to handle the mortgage, but later my experience told me really how screwed up and incredible this bank is. I had my mortgage banker start the application for me, back to the end of XX/XX/2020, it takes reasonable time to come back with the conditional approval, and after that, the disaster began. I strongly doubt the competence of the Chase underwriter, and I don't understand how they can get their work done professionally. After I submitted the documentations to clear the conditions, it started taking so long as 2-3 weeks to come back with issues need me to provide documentations, and it took another 2-3 weeks to come back with another stupid questions which was on my very original provided documentations, I don't think this is professional as you supposed to identify all the issues in one step and for the next step it should be issues regarding the next step, you can't tell me that we came to the third step you still can observe issues on the first step. You kidding me? You can say that's your way of working but that's not professional, and taking so long to come back with questions for different steps is incompetent as a mortgage team. So it's Chase Bank 's problem for processing the loan too slow as I always responded the second day if issues came out and worked closely with my mortgage banker to make every effort, and did whatever I can to convince them regarding issues. I couldn't do more ... ... Chase Bank 's process is very tedious and stupid, there're so many things can be done in a lot more efficient way. Here I want to pointed out a very ridiculous experience I had with their underwriter, after a month and a half of the application process, the UW came back with a stupid question saying the original bank statement I provided at the very beginning they can not interpret the amount of balance so that it can not serve as a prove of assets. What? A bank statement can not tell the balance? I did took a look at the bank statement, it's a very professional detail-oriented bank statement, says clearly on the second page, the ending balance is a certain amount they were looking for! If you don't understand the bank statement do you understand the word " Ending Balance ''? There're so many experience like this one which really disappointed me on their service and the competency at work. Chase bank underwriters are not professional and very inefficient. They we come to the major problem of this, it's totally their problems processing everything too long, incompetent in dealing with different financial documentations in a timely manner, which caused my closing 10 days later than the contract date. My contract was set up as XX/XX/XXXX and the closing was on XX/XX/XXXX. For the benefit Chase had promised online called on-time closing guarantee, a XXXX dollars refund if not closing on-time. If you are not able to do that, don't list it online, it does nothing but ruin your reputation. They never tell you that all sorts of hidden rules they can setup to disqualify you for this claim. If you can not close it on time, it's your fault, don't say anything else, especially when I tried that hard to work with you to supply everything. It's totally your incompetence that causing the delay, you should pay upon your promise. More interesting things here is, you will see how unprofessional they are, I first tried to call and make this claim and I found out that nobody even know what it is. After couple of transfer they finally said it's under processing, which was a month later, then a few days later someone called me saying because there was an interest rate change and you did not lock the rate so that's what disqualified you for the claim. I don't want to comment this excuse, I will let whoever is reading this to tell me what the XXXX this is meaning to me. More fun coming, I contacted the mortgage banker about this and she came back with a totally different answer, which said I did not submit documentations on time. WOW, sounds amazing right? Well my response time is clearly recorded in your system, just take a look at my response time and compare with yours. Again there's no excuse of keeping coming back with stupid questions which you supposed to identify a month ago, if that takes too long to figure out, that's your problem. There're other very bad things like, they are pulling credit report from certain credit bureau which did not include my car loan on it, and due to their inefficiency of processing the mortgage, after two month they asked to run my credit report again! That's very unprofessional behavior, you cost me hard inquiry twice to apply for a mortgage? You kidding me? And the second time they found the car loan and asked me why I have a car loan on it ... ... .. You kidding me?? It's totally Chase Bank 's problem regarding this process, and this does cost much more time, but again, this is not my problem. There's no way that you can convince anyone that this tedious mortgage process is my problem. It's totally Chase Bank 's problem of delaying my mortgage for that long. What makes things worse is their attitude towards the customer satisfaction on their service, when you file the guarantee claim, they were trying to disqualify you with unreasonable excuse, that's very bad. Hope you can learn from my experience for Chase mortgage application process. | ||||||
| 07/11/2017 | Yes |
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| This is a follow-up to claims # XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. In XXXX XXXX, JPM Chase refinanced my mortgage loan previously with XXXX in the amount of {$210000.00} at 5.5 % for 20 years. After noticing that the interest rates had gotten lower in XX/XX/XXXX, I enquired JPM Chase about refinancing my loan for the current lower rates I had seen advertised all over ( rates got as low as 2.5 % ) I remember that the associate first said that I did qualify ; however, a day or so later he said that I didnt and instead offered me a 30 year loan at 5 %. He said the 5 % rate was the only one they could offer me and this would lower my monthly payments. I knew that due to my current income situation, it would be hard for me to apply somewhere else. JPM Associate stressed the fact that they could close in no time because being that I was a Chase customer who had refinanced 3 years earlier, they didnt need to do much. Although I wasnt happy about the new term, I needed to do something to lower my payments ; thus I reluctantly accepted it. However, no matter how many times I asked if this was the best they could do or if everything was Ok with the loan ( something didnt feel right as I often felt they were withholding something ) The original associate and later the lady who finalized the loan processing via e-mail, said that everything was Ok. At no time, did any Chase employee explained that I was applying for a HARP loan nor did I know one existed or what did it mean. I was never offered any options. Once I agreed, a few days later, they sent a notary to my house to have docs signed. Chase said I didnt need an attorney and being that it was a loan refinance, I trusted that was the case. In XX/XX/XXXX or about I had applied for a balance transfer online with Chase to pay off a creditor. However, Chase didnt approve the credit indicating that someone was going to get back to me. I needed to pay off a high balance/high interest rate credit card right away ; therefore, I immediately applied to other credit card. I never heard from anyone at Chase. About a couple of months later, I received a statement from Chase indicating that I owed them $ XXXX (? ). When I enquired Chase, they said that they had paid my creditor. I said impossible because they had not approved my credit and that creditor had already been paid off. Chase never sent me a credit card nor a letter of acceptance nor anyone ever called me as they had indicated. Chase placed my account under fraudulent investigation and was reluctant to accept that they had made a mistake. I asked the representative to make a conference call with the creditor they sent the funds to, to confirm that indeed that creditor had been long paid off. When the creditors representative was going to confirm that indeed the account had a $ XXXX credit balance because the account had already been paid off, Chase disconnected me and no matter how many times I tried calling XXXX - Chase rep, she would never pick up nor return my calls. Furthermore, the creditor who had received the excess payment, tried returning the funds directly to Chase ; however, Chase refused to accept the funds indicating that they had to be sent to me. I resent funds to Chase as I received them ( please see copy of letter attached indicating the last reimbursement of funds received from vendor and resubmitted to Chase ) Meanwhile, Chase kept charging interest over interest on the account which amounted to {$500.00}. Chase had my account on collection and then on judgement renewing such status over and over again thru the years. I refused to pay because it had been their mistake. At the time it was made illegal for financial institutions to also charge interest over interest and that is when Chase stopped increasing the debt ; otherwise this is the day they would show that I possibly owed them $ XXXX. Enclosed is a copy of one of my latest credit reports which can easily tell the story about my payment pattern. There is no reason why my credit score would be lower at any point in time. However, due to Chase arrogance and predatory lending practices, they caused my credit to always fail the mark. Even in the worst of times, I had always made true to my payments. I dont pay fraudulent and/or dubious charges, thats it! It is clear to me now, that the above credit card charge by JPM Chase was the cause for them to first deny me the lower rate available in XX/XX/XXXX and increase of the term of my loan. They also lied to me about the type of loan they were giving me. Also, as far as I know HARP loans were for those whose LTV were negative. I purchased my house in XX/XX/XXXX and I have never defaulted on any of my loans and always maintained a positive LTV. For what I hear about this program, the purpose was to lower the debt, In my case, Chase increased my debt by almost $ 50K. By XX/XX/XXXX, my XX/XX/XXXX loan was reduced by $ XXXX or appx $ 7/year ( please see copy of HUD attached ). By the time of refinancing in XX/XX/XXXX, my debt was down to appx $ XXXX ; however, the new loan amount right from start increased by almost $ XXXX to appx $ XXXX. Ive been making extra payments as well on the XX/XX/XXXX loan and after 6 years the loan has been reduced by $ XXXX or appx $ 5k/year and that is with over payments ( see copy of mtge statement attached ). Chase refinance, in no way shape or form, was to my best interest. Furthermore, they only recorded the XXXX debt in XX/XX/XXXX and kept the conventional loan open. My question is why? | ||||||
| 01/01/2021 | Yes |
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| XX/XX/2020 : Contacted my chase lending agent XXXX XXXX to enquire about rates for refinancing my primary residence and started the refinance application process XXXX, 2020 : Received conditional approval on my refinancing application. Provided all the additional documents requested by the chase lending team XXXX, 2020 : As per my home owners insurance provider XXXX insurance, they sent the policy documents to chase to renew my home owners insurance policy but chase did not pay them from my escrow account XXXX, 2020 : I let my chase lending agent XXXX XXXX know on a phone call that I do not wish to proceed with my refinance application and that he should cancel it and close the file. XXXX XXXX confirmed that he will proceed with cancelation of my refinance application. Chase sent me a letter stating that my Home owners insurance has expired and that they do not have evidence that I have obtained new coverage XXXX, 2020 : I called up Chase and asked them to pay for my home owner insurance through my escrow account. They check and let me know that since my application for refinance was active, there had been a hold on my escrow account. Hence, they could not pay for the home owner insurance from my escrow account. I call up my chase lending agent XXXX XXXX and ask him to make sure that my refinance application is closed so that the hold on my escrow account can be lifted. XXXX XXXX confirmed by email on XX/XX/2020 that the loan has been cancelled and I should be okay now. Chase sent me a second and final notice on XX/XX/2020 that my Home owners insurance has expired and that they do not have evidence that I have obtained new coverage. I called up Chase again explaining them that the hold on my escrow should have been removed now and they should pay my home owner insurance provider, XXXX insurance immediately. The customer representative told me that they will call up XXXX insurance and get this done from their side. I warned them that there is a possibility that my policy wont be reinstated because it is overdue and even if it does get reinstated there may be additional charges which I am not willing to bear because it is really not my fault, my payment should have been made from my escrow account after the hold was lifted. To which the customer representative assured me that she has acknowledged it is an oversight from their end and she will get it done while any additional charges will be borne by them. She called XXXX insurance while keeping me on hold but couldnt reach them and asked me to call her later to follow up. To make sure, I get the home owner insurance renewed immediately, I called up XXXX insurance on XX/XX/2020 and spoke to some person named XXXX who sent me the policy declarations page and confirmed that if chase pays it within the next 10 days ( grace period for lenders like chase ), the policy can be reinstated. I called up Chase the next day again and asked them what XXXX from XXXX told me and asked them if they can now go ahead and pay my home owner insurance policy. Chase asked me to email them the declarations page at XXXX XXXX, 2020 : I emailed the home owner insurance policy declarations page to XXXX on XX/XX/2020. It seems Chase called up XXXX insurance on XX/XX/2020 but did not make any payment ( I learned about this after contacting XXXX XXXX recently. See their email that I have uploaded in the documents ). I receive another letter from chase about two weeks later stating that my home owners insurance policy has been reinstated. XXXX, 2020 : I receive a letter from Chase that my Home owners insurance has expired and that they do not have evidence that I have obtained new coverage. I thought it is a mistake from their end and call them up again to find out what went wrong. This time it is a different agent who has no recollection of what went wrong and does not know why my policy was not reinstated. I tell them the whole story and they again acknowledge their mistake. I tell them that because of fault from their side they should pay for any additional amount I incur to pay to get insurance from another provider and they put me through some other department to escalate this matter. The lady from the other department tells me that she doesnt have the power to approve the additional amount if I have to get another policy from another provider. She tells me to escalate through the secure message feature after logging into my bank account. XXXX - XXXX, 2020 : I start escalating the matter through chases secure message feature linked to my account and after several follow up messages they tell me that they have investigated the matter and did not find it was there fault. Therefore, I should buy from another insurance provider and any additional amount will not be paid back to me. I buy new coverage from another insurance provider at {$2500.00} which is more than twice the amount I was paying originally ( {$1200.00} ) to XXXX XXXX. I am now contacting CFPB to help me get either the additional amount I paid ( {$1300.00} ) from Chase or have them buy home owners insurance for my home at their expense so I dont have to pay this exorbitant amount for no fault of mine. I hope that you will help resolve this matter with Chase at your earliest. I have attached the documents to provide you full visibility into what transpired. I have also informed my chase lending agent XXXX XXXX about this and told him that I will be raising this as a complain with CFPB. Let me know if you have any questions. Thanks! | ||||||
| 08/19/2023 | Yes |
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| I am writing to formally request that my dispute, referenced as Claim XXXX, be properly addressed and be re-opened by Chase Credit Cards . It has come to my attention that there have been certain issues regarding the handling of my dispute, which I believe require clarification and resolution. The dispute has been rejected twice although I have provided chase proof of cancelled transaction, lack of provided services, and lack of quality from the merchant. On XX/XX/2023 I saw the advertisement for XXXX XXXX XXXX ( XXXX ) on my mobile device and was initially convinced by the merchant 's selling agent about the potential benefits of the service. As a realtor, the proposition seemed appealing, and I proceeded with the purchase, paying a one-time fee of {$2400.00}. However, upon commencing the training the following day ( XX/XX/XXXX ), I realized that the billboard feature was simply a digital image generator with limited customization options, and the overall website lacked the desired level of professionalism, concluding with " XXXX '' in the domain name. Furthermore, the promised assistance from agents in generating leads turned out to be automated bots, and I was instructed to rely on my own efforts to create links on social media platforms. I made multiple attempts to reach out for cancellation through phone calls and emails on the day following the payment, totaling at least four attempts. Despite my earnest request for cancellation, my appeals were denied, and I was informed that the refund could only be processed after a holding period of 12 months, as stipulated in the agreement. One specific concern that arises from this experience is the discrepancy between the services described by the selling agent and the actual offerings provided. Notably, I recall mentioning access to XXXX, a platform that appears to perform similar functions, but the agent assured me that XXXX XXXX XXXX XXXX were distinct and supplemented by agent assistance. Regrettably, my experience revealed a significant disparity between these representations and the reality of the service. To compound my dissatisfaction, upon conducting further research, I discovered a pattern of concerns regarding the quality of leads and instances of purportedly fake leads on the XXXX XXXX XXXX ( XXXX ) website. Primarily, I wish to highlight that I have not received any communication from the Chase team regarding the requisite documentation for this dispute. Furthermore, I observed a credit in my account statement, which seemed to suggest that the matter had been concluded. However, I believe this was premature, as I had not been properly informed or engaged throughout the dispute process. In addition, I have recently received supporting documentation from XXXX XXXX, which sheds light on my utilization of their services. It is important to note that my engagement with their services commenced immediately following my subscription. Regrettably, my experience exposed me to a significant disparity between the advertised quality of services and the actual provision. My contentions in this claim pertain to two key aspects : 1. Termination and undeliverable Services : I wish to emphasize that I have promptly terminated the services, substantiated by a record of email correspondence. This action was taken subsequent to my dissatisfaction with the quality of services rendered. Also, since the credit card charge back, my services were terminated from months ago. So there is no case that I have ever used the merchant 's services. The attached documents is also showing that since my profile was incomplete, no leads were provided, and thus services not rendered. 2. Discrepancy in Advertised Services : The promotional material conveyed a commitment to high-caliber website design and collaborative human-led lead generation. Contrary to these representations, the delivered services featured a substandard website interface and an automated bot-driven lead generation process. The services rendered did not align with the assurances provided. Furthermore, it is pertinent to mention that, as part of a training module reaching a reported completion of 75 %, I created a personal website. I would like to assert that I did not revisit the platform after the initial interaction. In order to verify my limited engagement, I kindly request that activity logs or login records be presented. I affirm that I intentionally refrained from completing the module to express my lack of interest in availing their lead generation services. It is regrettable that I am unable to remove the website and platform from my profile, despite my inclination to do so. It is my understanding that under federal law, customers are afforded the right to cancel services within a three-day window. I wish to emphasize that I exercised this right on multiple occasions, substantiated by documented email correspondence as well as recorded telephonic communications. In light of the aforementioned circumstances, I am resolute in my decision to discontinue any further association with XXXX XXXX. The corroborative evidence presented through XXXX XXXX reviews underscores my concerns regarding their credibility and ethical practices. I humbly implore your earnest consideration of the facts presented herein. It is my genuine hope that this matter can be satisfactorily resolved in a fair and expeditious manner. Your understanding and prompt attention to this dispute are greatly appreciated. Thank you for your time and consideration. | ||||||
| 12/06/2022 | Yes |
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| On XX/XX/XXXX around XXXX XXXX I received a phone call from someone who said he was a XXXX technician who apparently was at my home address to disconnect my services. Few weeks ago I received a final notice from XXXX about my bill, but I was able to push my payment a few weeks farther. I said that I fixed the situation and the person told me that he was " just a technician and if I need an assistant I have to call the office by the number '' he provided. The phone number provided by the " technician '', who came to turn off my service was XXXX XXXX XXXX Extension XXXX. When I called the number the person who picked up said that I was calling XXXX and I am on the recorded line. He said my balance was {$490.00} and due to no payment received they started turn off process ( I remember owning a bit over {$300.00}, but thought that this is updated amount after few weeks ). He told me to stop disconnection I either have to go to physical XXXX location with personal check for this amount or I need to send XXXX to the manager handling the case. When I asked why I can't pay by card which they have in the system, he said that the process for disconnection is active and now different department handling this case, so this is the only payments they accepting at the moment. He told me if I will decide to go in person to pay my bill, unfortunately at the moment they will need to disconnect my electricity and because it's Friday, it will take 2 business days to reactivate my services, so if I want to resolve the problem now, I have to send XXXX payment to the manager. The " representative '' asked me to XXXX {$490.00}, using XXXX payment code which he asked me to put in memo XXXX Manager- was a recipient. Then he said there was a mistake and he apologized. I needed to put space between XXXX and XXXX, because they don't see the transaction ( I do not use XXXX that often, so I do not know how it works ). But so the transaction would go through, I need to round up the amount to {$490.00}. I said it was his mistake that he didn't give me correct instructions. He said that this is my refund number XXXX for {$490.00}, which I will receive in 2-3 business days. After this transaction he confirmed it went through and then he asked to send another {$1000.00} to get a confirmation number and to make sure my services will be reconnected for me. He also said that this is only a deposit and it will be refunded to me by the end of the day. I asked him : " since when is XXXX asks for any deposit and that I don't feel comfortable to send such money via XXXX. '' The " representative '' got rude and he told me that if I want the service to be up and running this is my decision to do it right now or go directly to the XXXX office. I was at work busy, on the phone with this person for like XXXX min, I had to be back to work and wanted to finish this conversation and fix the issue as soon as possible. The person on the phone started to put pressure on me. Then I asked him to give me my account number. He said XXXX ( I didn't have a bill with me with all the information, so I couldn't check ). I also asked to repeat his name and give me his employee ID #. He said his name is XXXX XXXX and XXXX, his employee number. He repeated that I am on a recorded line and that I do not need to worry and this is only the procedure they normally do. I send another {$1000.00}. He said he didn't receive anything and asked me to retry but this time {$1000.00}. Of course it didn't go through as I sent all my money at this point. I was so overwhelmed and couldn't think straight. He was asking me if I have another bank account and this is when it got super weird. I asked him to repeat my refund number which he gave me earlier and he couldn't repeat it ( but before he really took his time making sure I wrote all the rest of the information correct ; he even spelled his name and employee number a few times, when I didn't write it down correctly ). He said to call tomorrow morning to XXXX ext XXXX at XXXX XXXX or if I can't call that earlier than dial XXXX XXXX XXXX. He also provided a reference number XXXX to open a petition for refund. I was so lost and felt so sad as I just paid money which I technically didn't have ( I had to transfer it from my business account ; this was money for my business rent, which I needed to pay today, XX/XX/XXXX ). I was busy with clients until XXXX XXXX. In between, I asked my husband to check a bill and send me the account number which was written on the bill. Then I saw that the number was different from the one the person on the phone provided me. What is the coincidence that the amount they asked me to pay was close to the one I owned and that I really received final notice a few weeks ago. That's when I realized it was a scam. I called immediately to my bank to dispute those charges ( they still were pending on my account ). At this point ( 3 days after ), I spoke several times on the phone with my bank, I spoke to a representative in person in the nearest bank and I spoke on the phone with XXXX as well as filled the scam report with them. All the institutions told me that the inquiry can not be resolved and that I lost my money. But is't the consumer relationship with the bank should be build on trust? Can I trust my money to any financial institution if they can't protect them? I really hope you will be able to transfer me to the person who can handle this case and actually help me to return my money. Thank you! Sincerely, | ||||||
| 03/16/2019 | Yes |
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| I just tried to report a fraudulent charge on my Chase/XXXX XXXX VISA card, but was prevented from doing so by a representative I was transferred to after I called the toll free number on the back of the card, XXXX-XXXX-XXXX. Along the way, the person asked me questions about someone besides the account holder and about an address that was not on the account. Second, for years, Chase has bullied and harassed me to provide it with an email address. In the past, I witnessed a bank officer enter an email address without my consent and over my objections into Chases database while claiming that he was required to do so. I should not be required to give Chase an email address in order to receive financial services from it, nor should Chase be allowed to obtain, store or use email addresses I have not authorized it to have or use in any way. Chase needs to be sanctioned for demanding email addresses as a condition of providing services on several accounts I have with it, including the XXXX XXXX VISA account. It should be sanctioned for obtaining, storing and using any email address I do not explicitly provide to it and authorize it to use. I am not the least bit interested in receiving advertising junk email from Chase or in increasing my chances of identity theft because of Chases self-serving over-reach in what it demands, then claims without authorization as though it is entitled to ask, obtain, store or use without my authorization and in spite of vehement objections from me expressed in person, on the phone and in writing numerous times to it. When I tried to report the fraudulent charge today, Chase resisted and ultimately would not credit my account for it. I was asked repeatedly for things like my name and my address. Chase should not be allowed to waste my time by asking the same question over and over again. It also wasted my time by asking vacuous questions such as was it okay if the representative asked me one question or another, after he had told me that he needed to ask me the questions in order to service the account. The CFPB should prohibit Chase from asking irrelevant questions in persistent acts of subterfuge when I call to report a fraudulent charge and wasting my time by asking irrelevant questions that have no bearing on its behavior, and by asking the same question over and over again. As we spoke, the representative attempted to interrogate me about someone who is not on the account, and attempted to extract the information from me in a deceptive manner. The representative first indicated that I had an affiliation with someone who was not on the account, at which point I told him I am the only person on the account. The representatives questions were so suspicious that the CFPB should check a number of Chase credit card accounts to see if it itself planted phony charges on its credit cards as a pretext for harvesting information it is not otherwise entitled to ask, obtain, use or store. Undeterred, the representative then asked me for the birth date of the person who is not on the account. This despicable effort to extract information that is irrelevant to the account should be sanctioned by the CFPB. Any question that Chase asks me should be limited by significant CFPB sanctions to questions about the card or the account holder alone. The CFPB should thoroughly investigate what incentives or punishments its representatives receive for trying to or failing to extract information from an account holder about a third party who is not on the account in question. A similar drill occurred with an address that is not on this credit card. I was asked how long I lived at an address other than the address of record for this card. I suspect that Chase will now try to change the address of record for this account because of the half-truths that it concocted through illicit means today. If Chase tried to obtain the information about a third party or an irrelevant address who or which is not on the account because it is responsible for reporting a false birth date or false address for me to credit agencies, it should be heavily fined and sanctioned even more, first for reporting irrelevant and inaccurate information to credit agencies for my credit report, and, second, for the scumbag tactics it employs to remedy it. After wasting my time, bullying me for email addresses, asking phony questions it claimed were for security, but, in fact, were not, I told the representative to report the fraudulent charge, but it is not clear that he did. I also told him that I would be reviewing my statements for this account to see if there were other fraudulent charges in addition to one from XX/XX/2019 for {$200.00} for XXXX XXXX XXXX that appeared today as a pending charge for the card on online banking. Please force Chase to credit my account for this amount immediately and to respond responsibly if I call to report other fraudulent charges after I review my account in the next few weeks. Please sanction it effectively for the things Ive complained about so that consumers are not forced to habitually police non-compliant financial service providers like Chase. I should be able to receive reasonable service for things like credit cards that are a necessary part of modern living. Credit cards and banking services should be regulated as public utilities and not left to the whack a mole games of avoiding regulations and laws because there is no real cost to skirting and not complying with them, as too often is the case now. | ||||||
| 10/04/2023 | Yes |
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| My account was apparently compromised on XXXX XXXX XXXX I received a call from Chase questioning a suspicious purchase which i denied. They ended up closing that card and provided information that a new one would be sent. I did receive this. On XX/XX/XXXX, i got a call from a XXXX number and the person identified themselves as XXXX an employee with chase bank XXXX He stated that he wanted to follow up on my recent fraud and wanted to make sure that i got my new card. He reported that there were some transactions on another account of mine that were attempted in Florida. He questioned whether or not i was authorizing these and i declined. He stated that they would need to close this account and again send me a new card. He recommended that i change my user ID and password and also change my PIN number. He stated that he would provide me with a new temporary pin to use to activate my new card which i should get in the next few business days. He asked for my old pin to verify and i provided this. He reported that they were adding 3 months of extra protection and monitoring to all of my Chase accounts and that he was assigned to this and would also be following up with me in the next few days to assure i got the new card. He called again on XX/XX/XXXX. He wanted to see if i got the new card, i said no. He requested to verify my identity and said it would be getting a text from Chase with a requested code. I got this which was under the same text chain from Chase Bank in XXXX XXXX XXXX. I gave this code to him. He reported that they were verifying all of my accounts and that i should be getting another request from chase for verification. I got a message from the Bank asking if was authorizing a {$7500.00} charge. I pushed decline and i read to him what i got on the notification. He reported that i needed to respond yes to this as it was a reverse transaction and this was a required step to verify and secure my accounts. I got a second code text from him and i again provided the code and then another request to authorize {$300.00}. i believe i got a third verification text number as well. I pushed approve. I was on hold quite a bit during this time and was checking my accounts when i noted a {$7500.00} withdrawl from my personal checking and another from my other checking account for {$7500.00}. I questioned this and he stated that this was a temporary withdrawl and it would be refunded shortly. He assured me this would be taken care of and that his supervisor would get on the line and confirm. A girl named XXXX got on the line and assured me these funds should be repopulated in my account within 20 minutes and that she would call me back to assure this was done. I was on my way home from picking my child up from school and when i got home, i looked at my accounts and noticed 3 charges to XXXX and an atm withdrawl from my savings account as well. I also noted a card replacement fee from the XXXX that was listed as well. I immediately called Chase to report this as fraud. They were able to take my claim for the atm withdrawl and the XXXX charges via phone but stated that the others would have to be filled at a branch location. I was told my account was accessed in XXXX XXXXXXXX where i do not live. I made an appointment for XX/XX/XXXX at my local chase branch. I met with a representative there and filed the affidavit for the additional XXXX claims with him. These were faxed from the branch. I closed all my accounts and opened new ones. I requested new cards. filed a police report on XX/XX/XXXX as well. I received notification of a temporary credit for the XXXX charged and my atm withdrawl the following week. I later got a credit for XXXX of the XXXX charges. I called to check on the remaining claims and was told i would need to handle this in the branch location so i made another appointment on the XXXX. They re-sent the same affidavit for the other {$7500.00} claim. I called in on the XXXX to check the status and was told to call back on Monday if i had not heard anything. I received a letter online on XX/XX/XXXX denying my claim for the three XXXX transactions. I called again on XX/XX/XXXX to check the status of the other {$7500.00} claim and was told they could not provide information and that i would have to go to the branch. I made another appointment on XX/XX/XXXX. At this visit, i spoke with a claims representative about the XXXX claim denials. He stated that because i provided my pin they could not reimburse me. I referenced the Regulation E and was told this would not fit under that. I asked to speak with his supervisior who essentially told me the same thing. I asked for written documentation supporting this decision and was told they could only provide the denial letter. I then tried to get more information on the pending {$7500.00} claim and was not provided with any information after an hour and a half. The banker stated she would try to escalate this to get more information. At this point i recieved reimbursement for the ATM transaction for {$500.00} from my savings account and the {$5.00} card replacement fee. I also have one of the {$7500.00} reimbursements but not documentation about whether this is finalized. I would like to appeal the XXXX XXXX transactions for {$1000.00} each but was not given an opportunity to do so or any written documentation as to the decision making for this. I have one {$7500.00} claim pending with no information on the status etc. when this was originally filed on XXXX XXXX XXXX | ||||||
| 03/21/2021 | Yes |
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| I had a auto-loan with JP Morgan Chase Bank for a XXXX XXXX XXXX purchased in XXXX of XXXX with 3.49 % financing. In XXXX of XXXX I decided to change my personal banking to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX offered me a lower interest rate on my auto-loan and decided to change. The events below are to the best of my memory. XX/XX/XXXX ( Thursday ) : I sat in a XXXX XXXXXXXX XXXX office and called Chase Bank to request a 10-day payoff loan and they provided an amount of {$8400.00}. They gave us the address of where to mail the 10-Day payoff as well. My loan officer and I wrapped things up and he stated he would send a cashier 's check priority mail with a tracking number. I left the XXXX office satisfied and confident things would go smoothly. XX/XX/XXXX ( Wednesday ) : It had been 13 days since I requested the 10-day payoff loan amount and I was concerned something went wrong. Also, my next auto-loan payment was due XX/XX/XXXX for both XXXX ( {$610.00} ) and JP Morgan Chase ( {$610.00} ). I had been checking my online Chase Bank account to see if the 10-day pay-off loan had been applied and it had not. I called Chase Bank to see if they had any information for me. The person I talked to at Chase told me they had no record of any such 10-day payoff loan for my account. They asked for a tracking number which I did not have at the time. I called my loan officer at XXXX and he provided me the UPS Tracking Number : XXXX via text message and assured me he sent the payment out on XX/XX/XXXX priority mail. I called Chase Bank again and provided the UPS Tracking Number. They confirmed they received the package on XX/XX/XXXX but it would take 5-10 business days for the payoff amount to reflect on my account. I found this unacceptable. I requested the pay-off date be XX/XX/XXXX, the date Chase Bank received the cashier 's check. The Chase Bank representative opened a ticket and I requested immediate action be taken and that the ticket be escalated to the highest level. He said to check back in on Friday, XX/XX/XXXX. XX/XX/XXXX ( Friday ) : I was able to verify on my online Chase Bank Account that the payment had been applied and it was back dated to XX/XX/XXXX. The account now said that it was closed. I called and asked the Chase representative for a reason why it took so long for the payment to be reflected to my account and he defaulted to his training stating transactions take 5 to 10 business days. He also stated that it was XXXX who was holding up the 10-Day payoff payment and wasn't releasing the money. A cashier 's check to my knowledge is as good as cash and can be cashed right away ( instant transaction ). XXXX was not holding up this transaction by any means. This is on JP Morgan Chase Bank. Frustrated I hung up on the Chase representative knowing the conversation was going no where. XX/XX/XXXX ( Monday ) : It was on this day I saw JP Morgan Chase had a pending charge of {$610.00} on my XXXX XXXX account for the auto-loan payment. I was hoping this charge would be canceled at this moment in time because the account was " closed ''. XX/XX/XXXX ( Tuesday ) : The auto-loan payment had been completed and the money withdrawn from my account. My fear had come to light and I had made a payment to XXXX and JP Morgan Chase just as I suspected would happen. Luckily in these trying times I have a safety net to financially make it through this. XX/XX/XXXX ( Wednesday ) : I called JP Morgan Chase to inquire about the last auto-loan payment taken for my account ( {$610.00} ) which has already been closed. They stated they had no record of any such payments being made. The Chase representative informed me that I needed to manually turn off my automatic payments in order to not be charged again. I immediately did that on my account. At no time in my conversations with Chase did they say my automatic payments would have to be deactivated manually on my behalf. It's important to note I was also concerned about deactivating automatic payments in fear that I would default and miss a loan payment around XX/XX/XXXX through XX/XX/XXXX because the 10-Day payoff payment hadn't been reflected on my auto-loan with JP Morgan Chase. Again, the individual defaulted to their training giving me the 2 to 5 days for transactions to be reflect. Frustrated with the time and effort I had to put into this 10-Day payoff loan to go through I called my DECU representative to call JP Morgan Chase together. XX/XX/XXXX ( Thursday ) : The XXXX Representative and I called JP Morgan Chase and confirmed much of the information above. This information included the date Chase received the payoff amount ( {$8400.00} ), the back dating of the payment to XX/XX/XXXX and also that I needed to manually deactivate my automatic payment on my account. The Chase Representative explained what would happen to the last automatic payment. The payment for a closed account would be rejected and a check issued back to me in the amount they received. He explained the check will mail on XX/XX/XXXX for the amount of {$610.00}. A check for {$4.00} was already mailed for the extra money left over from the 10-Day payoff loan amount XXXX {$8400.00} ). My XXXX Representative requested the Chase Representative 's name and company ID ( available upon request ) which took place on this date at roughly XXXX. XX/XX/XXXX - XXXX : Received JP Morgan Chase Bank check in the amount of {$4.00} XX/XX/XXXX ( Sunday ) : Still haven't received {$610.00} check from JP Morgan Chase Bank. | ||||||
| 08/15/2018 | Yes |
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| Chase Cardmember Service RE : XXXX XXXX XXXX Account ending in XXXX When viewing my Chase accounts online on XX/XX/XXXX, I saw a note saying I needed to contact Chase immediately about this account. I called Chase right away and was informed for the first time that my payments for XXXX, XXXX, XXXX, XXXX and XXXX were rejected by XXXX XXXX XXXX. Upon hearing this I paid the balance in full for each of these months. The total amount I paid was {$330.00} which posted on XX/XX/XXXX. The online payments I had completed at chase.com were denied because two digits of the checking account number at XXXX XXXX XXXX were transposed. This situation has severely damaged my credit report rating. I was never contacted by Chase by phone or letter until after going on-line as stated above on XX/XX/XXXX. Chase informed me that the only way they will remove a late payment is when a bank provides me a letter on their letterhead stating that the bank made an error, and they require a person 's name and phone number to make sure the letter is authentic. After a month of phone calls to XXXX XXXX XXXX and Chase, I discovered that I had transposed the last two digits of a new XXXX XXXX XXXX checking account number when I was paying my Chase credit card on www.chase.com. My XXXX XXXX XXXX checking account was hacked and I had to open a new checking account on XX/XX/XXXX. I asked Chase why I wasn't notified about a problem with each of these payments until XXXX and they told me XXXX XXXX XXXX had paid them and then they ( Chase ) had to refund them all back to XXXX XXXX XXXX. When discussing this concern with XXXX XXXX XXXX, they told me that Chase had been informed within three days from the date that I had made the payments online. XXXX XXXX XXXX verified that Automated Clearing House ( ACH ) information for me. This is when it became apparent that I had not been notified by Chase in a timely manner. XXXX XXXX XXXX provided me ACH tracer numbers which I am happy to provide. I have a letter from Chase dated XX/XX/XXXX regarding my payment on XX/XX/XXXX for {$140.00} saying it was returned unpaid because this bank account can not be used for electronic payment. I then received four more letters each dated XX/XX/XXXX : 1 ) States my payment for {$10.00} scheduled for XX/XX/XXXX Unfortunately was returned to us unpaid because this bank account can not be used for electronic payment and to please send a replacement payment 2 ) States my payment for {$45.00} scheduled for XX/XX/XXXX Unfortunately was returned to us unpaid because this bank account can not be used for electronic payment and to please send a replacement payment 3 ) states my payment for {$92.00} scheduled for XX/XX/XXXX Unfortunately was returned to us unpaid because this bank account can not be used for electronic payment and to please send a replacement payment 4 ) states my payment for {$140.00} scheduled for XX/XX/XXXX Unfortunately was returned to us unpaid because this bank account can not be used for electronic payment and to please send a replacement payment By the time I received these letters from Chase, which was their first communication to me directly, I had already paid them! XXXX XXXX XXXX provided me the ACH tracer number for each of the transactions listed below, along with the paid date and most important the date Chase was informed they were rejected by ACH/XXXX XXXX XXXXXXXX. Date Paid Date Denied Amount " ACH Notice to Chase XX/XX/XXXX XX/XX/XXXX {$10.00} XX/XX/XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX XX/XX/XXXX {$92.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$140.00} I am happy to provide information that XXXX XXXX XXXX has provided me. They have to be cautious in what they did provide because the transposed numbers are somebody elses account. They informed me that Chase was indeed notified right away of a rejection problem on each one of these payments and that Chase knows how to contact ACH to verify each of the rejection of payments and more importantly the date of each on of them. I am happy to provide the tracer numbers at your request as well. Per instruction from Chase, I provided the documentation from XXXX XXXX XXXX Customer Resolution Team and it is on XXXX XXXX XXXXXXXX letter head. I also provided them a contact at XXXX XXXX XXXX with phone number to verify this information accordingly. Chase has said they will only reverse these late payments when a bank states they made an error. From the information I received regarding the payment rejection and notification from ACH, it is clear that Chase made an error because they didn't notify me in a timely fashion. Had they notified my on the first one, I would have corrected the issue and the following payments would have gone right through. XXXX XXXX XXXXXXXX also provided me a letter stating the amount of each payment and the fact they were not asked to be paid from my checking account and if they had I had sufficient funds to pay the transaction ( s ). In addition, Chase knows and can clearly see my payment history. I make my payments on time and have since I opened this credit card in XXXX. Chase has not informed me the date that each payment was rejected. They only defend the action they have taken without any discussion. I made immediate resolution the first time was was aware there was a problem. Therefore Chase was not without secured payment even if they had to return payments to XXXX XXXX XXXX. This is an unusual problem and I ask for consideration to be provided. | ||||||
| 04/04/2023 | Yes |
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| XXXX Real time transfer of {$2800.00} created and sent through Chase checking account to XXXX XXXX checking account. Note : Transfers have been made to this exact account before with no modifications or changes made to account information. XXXX Contacted Chase in regards to the real time transfer. Chase stated that it has to be on XXXX XXXXXXXX XXXX side of the transfer because it has completely cleared the Chase account. Contacted XXXX XXXX and provided them with the transaction ID and other transfer information. After approximately XXXX minutes of searching on XXXX XXXX XXXX side, XXXX XXXX was unable to locate the transfer anywhere within any of their systems. Contacted Chase again they said to wait 24-48 hours from when the transaction was performed and if it was not in the account by XXXXXXXX XXXX EST on XX/XX/2023 to re contact Chase and submit a dispute on the transfer. XXXX XXXX account as been checked approximately- 50-60 times within this time frame and funds have not arrived to the account. XXXX After verifying that the funds have not reached the XXXX XXXX account, I re contacted Chase again. Chase customer service representative began rechecking everything that they have previously checked. And informed me, yet again, that I would have to submit a dispute with their claims department. Chase transferred me to the claims department. The claims department states that they can not assist me or submit a dispute because the money has cleared Chase Bank. I called XXXX XXXX to have them double check that they can not locate the transfer via the transfer number. The XXXX XXXX customer service supervisor informed me that there should be a XXXX digit trace id associated with the real time transfer and they would be able to check on the status of that transfer with that number but I would have to contact Chase to get the trace ID. I contacted Chase again to get the trace ID number. I was sent to a customer service representative. The customer service representative stated that the claims department would have to file a dispute against the transfer. I got transferred to the claims department again. The claims department stated yet again that they would be unable to dispute the transfer because it has left Chase bank. I then requested to be transferred to the supervisor. I explained the situation to the Chase supervisor and asked for her to look into the situation deeper as well as provide me with the trace id that should be linked with this transfer. The Chase Supervisor stated that for some reason there is no trace id linked to the transfer but she can see it on previous transfers performed. She then told me that it would be submitted as a claim to the research department and they would investigate into it further. Chase Supervisor then provided me with a claim number and stated that they would call me in 2-3 days. XX/XX/2023 at XXXX XXXX EST- Chase failed to contact me within the allotted time frame. So I called Chase customer service again. Spoke with a customer service representative and requested to be transferred to the research department. The customer service representative transferred me to the claims department instead. I provided them with the claim number and they stated that that claim does not exist within their system but they could see that I had called in regards to the {$2800.00} transfer performed on XX/XX/2023. Once again the claims team put me on hold to " investigate '' then continued to tell me that their is nothing they can do. I requested to be transferred to a supervisor and was placed on a brief hold and somebody answered the phone. I requested their name and position within the company and he provided his name and position which was just a customer service representative and not supervisor. He then transferred me to a supervisor. The supervisor requested the claim number and saw that there was no updates on the claim. He expedited the claim and stated that Chase 's research team would reach out to me in a couple of hours and provided me with the expedited claim number. XX/XX/2023 at approximately XXXX XXXX EST- The Chase research team reached out to me again and stated that they can not contact XXXX XXXX to verify the funds never arrived into the XXXX XXXX account, even though the XXXX accounts are linked. They claim that they are " not allowed to '' according to the research department. I was then told he will speak with the claims department personally and explain the situation with them to verify that they can help. I was then placed on hold for approx. 10mins and then transferred to the claims department again. Claims department, yet again, stated that they can not proceed with the dispute because it is not their problem. I then proceeded asking if I go to a physical Chase location and provide them with the transaction history of my XXXX XXXX account if they will be able to dispute the transfer and return the {$2800.00} to my Chase bank account. The claims department member stated that yes, if I prove that the {$2800.00} transfer is not in the transaction history of my XXXX XXXX account, then they would be able to proceed with a dispute. Chase provided me with another claim number and a fax number and instructed me to wait another 2-3 business days after the XXXX XXXX transaction history is submitted at a physical Chase Banks location. I will then have to call yet again and then begin the dispute process. At this point, my money will have been missing for over 10 days. | ||||||
| 12/16/2022 | Yes |
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| At around XXXX, on XX/XX/2022, I went to make a withdrawal of {$80.00} to the Chase Bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I walked up to the branch 's own ATM and inserted my debit card. For some reason, the ATM would ERROR out whenever I inserted my card. The screen would say something like 'Could not complete. Please try again '. This had never happened to me before. I tried a few more times by re-inserting the card in order to begin the transaction again but no luck. A couple on the ATM to my right seemed to also be struggling. That is when a man, about XXXX XXXX XXXX, approached us and appearing to be a 'Good Samaritan ', said : " Oh hey, these ones work if you scan your card on the RFID reader ''. So both the couple on the other ATM and I tried it, and it worked! The ATM allowed us to access the terminal and withdraw money without the ERROR flashing on the screen. We were all very thankful to the mystery good samaritan. I went ahead and successfully withdrew my {$80.00} and left. A few days later, I logged in to my bank account online and noticed someone had withdrawn right after me, on the date of the incident ( XXXX XXXX, 2022 ), in the following amounts in order : - {$200.00} - {$200.00} - {$200.00} - {$200.00} - {$100.00} - {$20.00}, for a total of {$920.00} worth of fraudulent transactions. The suspect withdrew the MAX withdrawal limit left on my account. I include a screenshot of the withdrawals shown on my account- the withdrawal pattern obviously indicates a scammer attempting to recklessly liquidate my account! On XX/XX/2022, I filed a fraud claim directly with Chase by calling the Chase Fraud hotline, following the advice of one of the regional bank managers. Chase issued the {$920.00} as credit back, while they verified the claim, to me which was nice. I thought I would never hear about the claim, given the egregious nature of the fraud, again and was very happy. On XX/XX/2022, Chase rejected my claim and reverted the {$920.00} credit they had extended to me. I called Chase again and asked why this was the case? The transactions amounting to {$920.00} were obviously fraudulent transactions in which a thief had stolen funds from their own bank branch 's ATM! The Chase agent said that what I was stating in my claim was " impossible '' and that I would need to produce more evidence to support my claim. I asked why they couldn't just verify my claim using the XXXX footage from their own bank branch. The agent continually evaded the question by replying that I need to have more evidence of the fraud. Well, given the nature of the situation, the evidence is the XXXX footage you own yourself! I don't personally understand why they don't just get their security team to verify the XXXX footage. The XXXX footage, of which they are complete owners, would verify this report made to be 100 % truthful. But Chase did NOT want to look at the XXXX footage. In order to follow-up on the issue, I visited the Chase bank located in XXXX XXXX XXXX Financial District . I don't remember the bankers name, but she tried helping by appealing the case. She called the fraud team herself. The team 's response to her was again that I needed to produce more evidence to support my claim, otherwise it would remain closed. So the banker told me something that would be helpful as a next step for me is to file a police report. So I filed a police report with the XXXX. That report 's case # is available if needed. I went back again to the Chase bank branch in XXXX and met with a new banker. His name was XXXX. He was very empathetic with my case and really went above and beyond trying to get this matter to be resolved. He once again was on multiple calls with the Chase fraud team. He informed them I had come in to the branch with a filed police report with the intention of getting Chase to re-open the claim and re-assess. The team asked him to fax the report in. So he did, and then XXXX set a new meeting with me a few days after that ( the meeting was scheduled for Wednesday, XX/XX/XXXX ) in order for us to follow up together. I came in a few days later on the XXXX to meet XXXX. I reminded him about my case and he remembered me and the context of the case well. He called the Chase fraud team once again, asking for an update on the claim now that the report had been faxed to them a few days prior. The Chase XXXX XXXX told him that they would not re-open the claim because " given the filing of a police report, this claim is out of our hands. '' I'm not sure I understand why that is the case. They have the direct power to solve this case flat out by just making the XXXX footage on the date of the incident available. All in all, XXXX got nowhere in helping me re-open the claim so that the Chase fraud team could re-visit it and hopefully just look at the XXXX footage, see the obvious fraud taking place, and issue me the credit back. All in all, this process has been exhausting and extremely time-consuming. Chase has shown a level of negligence and complete customer disregard every step of the way. The fact that they asked me to produce a piece of evidence to them, and then used the fact that I had submitted that evidence against me is crazy. This fraud happened on their watch, at their very own branch location. This fraud can be exposed completely by the XXXX footage in their possession. I am now turning to the CFPB for help as I feel completely defrauded by both the criminal and by Chase themselves. | ||||||
| 11/12/2021 | Yes |
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Web | Older American |
| My mortgage lender is Chase Home Lending. I applied for a forebearance when I got laid off from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The forebearance was granted, however, I was still paying my mortgage payments trying to catch up and not let my payments get too far behind. I was in late payment status when I started with the forebearance. Had I been able to continue to work for XXXX XXXX XXXX I would have been able to bring my arrearages current. I lost my job because the XXXX XXXX changed my job description and sent me out in the field, as a XXXX XXXX. I asked for an inside job, since I was a high risk for Covid-19. They put me on a hold to see if I could find an inside job, but on XX/XX/XXXX I was laid off. I applied for unemployment but was denied because I filed the regular way and TWC told me I couldn't draw unemployment because I didn't have enough money in the account. I have since gone back to TWC and asked for a review of my unemployment because I filed under the wrong way. I have kept Chase current on my back payments and ask for a repayment plan but was told there is nothing that the mortgage company can do for me. I felt that the relationship manager denied to work with me on my loan because of a conversation I had with one of his team mates. He refuses to talk with me about my loan and trying to work out a solution to avoid foreclosuer. He sent me a denial telling me to deed the property back or sell it, and I had until XX/XX/XXXX to do it. I have filed a discriminatory complaint against the Chase mortgage department because of how I have been treated with no respect when I call in to talk to someone about my situation and their refusal to allow me to stay in my home. I am XXXX years old, XXXX woman and have owned my home for 20 years. I got behind on my mortgage due to increase in living expenses, but was paying twice monthly trying to catch up. I was two months in arrears when the pandemic hit. This Bank mortgage encouraged me to take the forebearance and told me I didn't have to make any payments for one year, but I kept paying what I could because I didn't want to get further behing, now the bank come back demanding that I pay all arrearages now or give my home up. I think it is deceptive when the mortgage company encourage you to take a forebearance and set you up later for foreclosure on your property if they can't pay all the arrearages. Chase Mortgage Lending need to be investigated for deceptive and racial disparities in their mortgage lending programs. I do not want to lose my home to foreclosure on XX/XX/XXXX because I cant get my relationship manager, Mr. XXXX XXXX to talk to me in finding a resolution to my mortgage problem. I am divorced, I purchased my home in XXXX when I retired from XXXX XXXX XXXX. I paid cash for my home with some of my retirement, now I stand to lose all that I have worked for during almost 30 years. Please help me keep my home. I worked out a loan modification with Chase back in XXXX. The agreement was for 40 years with no intent to foreclose. Chase acquired my loan from XXXX XXXX in XX/XX/XXXX. My original loan was a Home Equity loan with XXXX XXXX. This mortgage company went out of business due to deceptive trade practices, then changed their name to XXXX XXXX which also went out of business for the same reason. When XXXX lost their mortgage business, my mortgage was assigned to XXXX XXXX XXXX, which is a part of XXXX XXXX. Chase acquired my loan XX/XX/XXXX and changed the terms of the original loan and modified the loan in XXXX because I had so many problems with the previous mortgage companies. XXXX mortgage tried to foreclose on my home in XXXX, I filed a chapter XXXX to keep it, the company stop taking my payments before they went out of business, then assigned my loan over to XXXX XXXX who never accepted a payment from me, they tried to foreclose on my home and I filed another chapter XXXX to keep from losing my home. then they lost their mortgage license, then my mortgage loan was sent to XXXX-XXXX XXXX and this company tried to foreclose on me and stop taking my payments. I filed a chapter XXXX on them. Finally XXXX XXXX lost their mortgage business due to all three being predatory lenders and was sued by Consumer Protection Agency for predatory lending practices to XXXX and XXXX. Now Chase Mortgage acquired my mortgage loan knowing the previous events that had happened with my mortgage. I have written a letter to XXXX XXXX to give me the Deeds to my property because I believe he took over my mortgage to foreclose on it so that the bank can make money and leave me homeless. I have fought continuously to keep my home and will continue. I filed with the Commission on Currency because my original loan was a home equity loan and The commission informed me that I had a lawsuit against XXXX XXXX for damages and I should pursue the lawsuit asap, but after filing all those chapter XXXX 's I had no money to hire a lawyer, I was XXXX impacted from having to fight to keep my house and not knowing why I was being constanly foreclosed on by all these predatory lenders. I believe I am due monetary awards from all these lenders for emotional distress, mental anger, humiliation and XXXX XXXX having to go through all this within a short time frame, beginning in XXXX, XXXX, XXXX, XXXX, and again in XXXX. Please stop my foreclosure with Chase so that I don't have to go down this road again. Thanks sincerely, Ms. XXXX XXXX XXXX Loan # : XXXX, Chase Mortgage Lending | ||||||
| 08/11/2019 | Yes |
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| -XX/XX/19 receive email from Chase re : new low rates. I contact XXXX XXXX, my previous loan officer at Chase to inquire. I receive a telephone call from XXXX XXXX, a Chase Loan officer shortly after this note -we discuss the new rates including my overall goal which is to save money overall ( vs. lower monthly payments, for example ) and he quotes a reduction of my monthly payments of approximately $ XXXX/month. I inquire as to whether this saves me overall on my repaymentas this is my stated goal with any refi -- and he does a calculation and reassures me that it does. I agree to commit the {$500.00} to a Good Faith Estimate with the understanding that, based upon the information discussed, I agree to and am committed to going forward with the refi. my intention to go forward, andmy commitment. He also says that he doubts we will need an estimate as my last refi was quite recent and the amount of equity might not necessitate this. -a day or two later, XXXX phones to let me know we will need an appraisal to which I agree. I receive a phone call from the appraiser and we make an appointment for late XXXX. XXXX I receive an email that XXXX XXXX XXXX will be my Client Care Specialist. -shortly after, I speak with XXXX XXXX on the phone. We go over the numbers and she provides numbers that are significantly different than my initial conversation with XXXX, as I will only save $ XXXX/month. I state that I need to speak with XXXX again to figure out if this still makes economic sense and meets my initially stated goal from my conversation with XXXX. -I phone the appraiser to tell him that I might not be going forward, given the different amounts cited between my initial conversation and the one with XXXX , cancelling my appointment with him. -I speak with XXXX and he agrees that given these numbers, my initially stated goal of saving money overall is not being met, and he advises me to withdraw my application. I inquire about the {$500.00} Good Faith Estimate and he says that he cant guarantee it but that he expects that Chase will refund the money given that there is a substantial difference from his initial estimate and what the numbers actually turned out to be. He concurs that he recommends the refund. -I receive notification that my {$500.00} GFE will not be refunded as I withdrew the application -I speak with XXXX who says that he will inquire. He calls back, stating that instead of my withdrawing he will cite that the loan was not approved because of the second loan I have with the XXXX XXXX XXXX ( taken at the outset of the original loan when the XXXX XXXX XXXX, my employer, provided me with a low interest loan to meet a minimum so as to avoid the mortgage insurance costs ). A couple of days later he calls back to say that the executive branch did not accept his recommendation, nor did they acknowledge that the loan was not approved, instead, they used my withdrawal as an excuse to make me liable for the {$500.00} Good Faith Estimate. He agrees with me that this does not make sense and says he will pass again to the executive branch. -late XXXX I receive a phone call from a Chase rep. We go over the information. He phones back the next day to inform me that the executive branch again did not approve the refund, using my withdrawal as their reason, ignoring the fact that the information initially given by their representative was incorrect ( $ XXXX/month savings, that then was reduced to $ XXXX/month ), as well as XXXX recommendation for me to withdraw my application. -I state that this is not legal, that I was led to believe one set of information as communicated by Chase , only to then be given a more expensive option that resulted in my not pursuing the refi. He said that he would again submit to the executive branch. -I receive another phone call from a Chase representative ( XXXX ? ) who informs me that the executive branch decided not to refund my money, with the same reasoning cited earlier, and not considering the discrepancy of information communicated initially and then subsequently by Chase. I cite my concern, that Ive been a client of Chase for over 25 years and have had my mortgage with them for about 10 years, and that I had based my initial yes on one set of numbers that turned out to be erroneous, and because of this, decided, as was advised by their representative, to not go forward with the refi. He again says that he will pass it on to the executive branch. -XX/XX/19 I receive a phone call from XXXX who informs me that the executive branch has reviewed my case and will not refund the money because the discrepancy is in regards to the escrow amount which changed and thus they do not take responsibility for the difference in their initial quote and what was subsequently quoted, and so would not refund my money. I state that this is fraudulent, that I was has responded to an advertisement from Chase, spoken with a Chase representative who gave me financial information such that it was advantageous to refi, but when the information turned out to be incorrect, I was advised, BY A CHASE REPRESENTATIVE ( XXXX XXXX ) to withdraw the application, and reassured that my {$500.00} would be refunded as it was a miscalculation on CHASES part, as well, no costs had been incurred as no appraisal had taken place. XX/XX/19 I went into the XXXX XXXX XXXX and spoke with XXXX, a bank manager, to whom I explained my frustration and the seeming fraudulent behavior perpetuated by Chase. | ||||||
| 09/06/2023 | Yes |
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| On XX/XX/XXXX, I received notice from my bank, JPMorgan Chase & Co ( Chase ), of a potentially fraudulent charge on my debit card. I reviewed the charge and determined that it was fraudulent. I declined the charge and Chase canceled my debit card at the time and ordered me a new one. On XX/XX/XXXX, I received notification from Chase that someone had again attempted to use a debit card in my name fraudulently. I checked the last four digits of the card Chase said had been used, and determined that those four digits ( XXXX ) didnt match the last four numbers for any card that either my spouse or I have ever possessed. I declined that transaction as well. I then received a call from someone purporting to be aligned with the Chase fraud department ( XXXX XXXX XXXX ), who told me that my PIN number had been compromised and that I need to change it. I complied by entering my PIN number, and received a new number in return. I now believe this was a fraudulent call, but didnt recognize it as such at the time. Later in the day, after the second attempt to use a debit card in my name had been attempted, I opened up my wifes mobile banking app to check on the attempted purchases. This is when I noticed that my savings account had had {$3500.00} withdrawn from it approximately half an hour prior. I confirmed with my spouse that she hadnt made that withdrawal, and called Chases fraud hotline. There I reported the fraudulent charge, which appeared to be a wire transfer that was still marked as pending. I urged them to cancel the charge. They recommended that the next day I go into a chase bank and change my account information. They opened an investigation into the alleged fraud and told me theyd be in touch. They did not cancel the pending fraudulent transaction. They did not contact me again for further information. The next day, XX/XX/XXXX, I went into my local chase bank at XXXX XXXX XXXX , XXXX Il. There I changed my account information and inquired into the details of the fraudulent transaction. A chase employee was able to pull up the transaction from the day before. She was able to tell me that the person went into a chase bank in XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX is a suburb of XXXX and an approximately three hour drive from my home. The withdrawal took place at XXXX in the afternoon, and that teller # XXXX assisted the person who made the fraudulent transaction. The transaction was made using my PIN number, though the person assisting me couldnt say what form of ID was used. Additionally, I learned that the card ending in XXXX, which had been the second attempted fraudulent debit card transaction, had been opened the day before. A card bearing my name had been sent to an address in XXXX Il, a suburb of XXXX XXXX XXXX, approximately an hour and a half south of my home address. On Sunday XXXX my wife received notification from Chase that they would not be refunding the money taken from our savings account. The letter stated that the fraud team determined that the withdrawal was either authorized by me, or that we benefited from the withdrawal. I called the number provided in the letter to ask questions and spoke to an agent for chase. She told me that the issue was that, since I hadnt reported my card lost or missing ( my card during all relevant points of this issue was non functioning, but had remained in my possession ) and since the withdrawal was used using my pin, Chase wouldnt be able to prove fraud. I filed a complaint citing in part that I believed the decision was made without all the facts, but was told that there was no appeal process and that the customer claims departments decision was final. On XXXX I filed a police report regarding the theft and gave the salient details. At the time of this complaint ( XXXX ) have not yet heard more from the police. I hadnt filed prior to this because I had believed Chases fraud department would do so following their investigation, and would be better equipped to find the fraudster since they had more j formation than I did. In the afternoon of XXXX I received my replacement debit card. I activated it using my original pin, rather than the new pin I had thought Id been given. This is when I figured out I had been a victim of a scam. I had previously been unsure as to how the fraudsters had obtain my PIN number. The theft was conducted three hours north of my home at XXXX XXXX. I was at my place of employment in XXXX Il until XXXX that afternoon. Had the investigators for chase contacted me or attempted to obtain more information I believe their analysis would have resulted in a different decision. Im sure there are cameras at the bank where the theft was conducted which would show that I wasnt the person making the withdrawal. Just as Im sure that a reasonable investigator with reasonable effort would have determined that I couldnt have possibly had been the person involved. Had chase listened to my complaint on XX/XX/XXXX, they could have canceled the money transfer while it was pending and protected my savings account. Additionally, I am unsure as to what what verification was required at the XXXX XXXX chase bank, but I am disturbed that someone was able to imitate me and withdraw so much money with, apparently, so little scrutiny. My card had been canceled and reported as having been involved with fraudulent transactions just days prior, it seems as if more should have been required of my imposter than my PIN number. | ||||||
| 09/29/2022 | Yes |
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| Chase is engaging in unfair and deceptive practices concerning credit limit increases. Furthermore, it abusively exploits a lack of uniformity in what it requires to increase credit lines from one of its cards to another, while these sloppy, non-existent intra-card standards are largely hidden from its customers and an unethical corporate culture is incentivized within the bank as a whole. These conditions, in turn, recall a larger problem that has remained unaddressed for decades : behemoths like Chase, in its thousands of iterations, are simply too big to fail, XXXX, effectively sanction, or manage. Despite regular, on-time payments for some time, Chase Freedom XXXX has not increased my credit limit for some time. When problems that Ive previously reported to the CFPB in prior complaints occurred, and I was forced to rely on this particular credit card, the greater use on this low-credit-limit card probably lowered my credit score. As a result of Chases poor operations on its credit cards, and to protect myself from lower credit scores and higher interest charges, I requested a credit limit increase on my Chase Freedom XXXX card. I have had this card since 2019 and have been a JP Morgan Chase customer for 30 or more years, yet I could not request a credit limit increase online. I had to call which takes longer because Chase does not employ enough people to answer its phones. When I got someone, he announced that I would have to have a hard credit pull of my credit report for Chase to consider increasing the cards credit limit. I objected to this and asked that it make a soft credit pull instead which would not degrade my credit score as much. He refused to use a soft pull after I objected that Chase should use a soft pull since I am a very long-standing customer who has paid her credit cards on time. He again said a soft pull was not an option and that a hard pull was required for a credit line increase on the card. I then consented, under protest, to have a hard pull of my credit report. Shortly thereafter, however, he started to ask me a bunch of questions, the same questions I was asked when I first applied for the card. Without forthrightly disclosing it, Chase required that I reapply for a card I already had. I asked if I was being made to re-apply for the card all over again despite being a customer for so many years. He then acknowledged that that was indeed the case : I had to reapply for the very same card and have a hard credit report pull as well. This is unfair, if not discriminatory, on the face of it and deceptive because it is not announced from the outset that long-standing customers are forced to re-apply for the very card they have had for years. Why is Chase allowed to do this? It is an abusive practice that degrades credit scores because of Chases refusal to use soft pulls on existing accounts. I then objected and said I would not consent to this kind of abuse. Instead, I asked that Chase transfer some of the credit that was quickly increased on my XXXX XXXX XXXX card, without pulling any credit report, or even asking me if I wanted the credit line increase, from the XXXX XXXX to the XXXX XXXX. He then said he would do so and that it would take effect immediately. Clearly, Chase is caught in another one of its signature hypocrisies. While it essentially throws credit at the same user for one card ( XXXX XXXX ), it surreptitiously subverts what is already provided to the same person on another card ( the XXXX XXXX ). Why is Chase allowed to blatantly manipulate consumers and markets in this way by luring, pushing and shoving its customers to spend money at XXXX, while reducing their abilities to spend it elsewhere? Obviously, it is because XXXX with the complicity of Chase, is furiously defrauding millions of consumers with its pay-now-get-later scams that law enforcement has not caught on to or up with. Catch them ( Chase XXXX XXXX ) if you can. Since the credit reporting system in this country is broken and a sham vassal system that was instigated by banks like Chase, it remains an unfair burden to the overwhelming majority of consumers and a conducive means of abuse by Chase. Under such conditions and with such a notable history, Chase should not be allowed to engage in further abuse of the kind Ive described. Customers already are subject to having their identities stolen for life by poorly designed credit bureaus that are built on habitual non-compliance and doing whatever they can get away with. When cyber breaches occur, individuals, not credit bureaus or their overlords like Chase, pay life-long for the damage. Chase and others like it created the credit system we have through which personal information of all kinds is hawked and trafficked in the black market all over the world, with little means of self-defense left to individuals injured by these practices. Consequently, an accommodation, long over due, should be required of Chase and other credit card banks like it. It is clear from what Chases Freedom card wanted from me, that it had next to nothing to do with how reliable I am as a credit card customer, since it already knows that and has known it for years. Its quickly transferring credit from the XXXX XXXX to the XXXX XXXX confirms it. Chase should be sanctioned immediately and monitored indefinitely for the abusive, deceptive, manipulative, invasive, unfair practices concerning credit pulls and credit limits on extant accounts, that Ive described. | ||||||
| 01/11/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX I received a letter from Chase Auto Finance ( the leasing company my car loan is through ) that I owed them {$140.00} for property taxes on my leased vehicle. I called them following receipt of this letter and they informed me that they were billed by the Texas municipality for different amounts totaling {$620.00} and that I was responsible for paying them ( Chase ) this amount since they ( Chase ) paid the state of Texas on my behalf. I called the Texas municipality and spoke with different departments such as the Tax Appraisals office and the Comptroller of Public Accounts, all of which told me this circumstance is the first they've ever heard of an issue like this. The letter that Chase sent with this bill also stated " If you would like to verify the excise/property tax charge, please contact the Comptroller of Public Accounts '' yet when I did, they were not able to find any record of me or my vehicle for a property tax. The Tax Appraisal office looked up my name, my sister 's name, VIN, and nothing came up. They also informed me that Texas does charge property tax on vehicles if they are for personal use. I will explain my vehicle lease : My vehicle lease originated in CA in XX/XX/XXXX, where I reside, and the vehicle has always been registered and insured in CA. My sister cosigned with me on the lease and she included her Texas address and I included my CA address. My vehicle has never been in Texas, was leased in CA, registered in CA, insured in CA so I should not have received a property tax from Chase originating from the state of Texas. It's important to note that I have not received this property tax bill for the years of XX/XX/XXXXand XX/XX/XXXX, but I did receive it for the tax year of XX/XX/XXXX. Just today, XX/XX/XXXXI received another letter from Chase saying I owe them another {$400.00} for property taxes on my leased vehicle for the XX/XX/XXXXyear. This is a grand total of {$1100.00} that I've been billed, {$700.00} of which I've paid already, for a property tax on my lease. After several phone calls to Chase about this issue, I was told to send them a copy of my registration. I emailed, faxed, and mailed them copies of my registrations dating from XX/XX/XXXX-XX/XX/XXXX, a copy of my CA ID, and CA proof of insurance. These items were sent for the second time on XX/XX/XXXX via email and I physically mailed them everything at the beginning of XX/XX/XXXX. I followed up with them a couple of times after sending this information and each time I was forced to re-explain the situation to their representatives and each time they simply told me I had to pay this amount and that I could possibly receive a refund if the state of Texas issues Chase a refund. I escalated my case to a supervisor, who assured me that Chase was going to do their due diligence to rectify this issue. After a month, I received a letter from Chase after they internally investigated this issue and the letter said : " XX/XX/XXXX Thank you for asking about property tax for the leased vehicle above. Texas does not issue refunds if a vehicle lease is moved or terminated within the tax year. '' This meant that they did not thoroughly look at the documentation that they requested from me ( CA vehicle registration and CA insurance ). I followed up based on this letter and they asked me to resend them everything I had already sent, so I did. Then I received a letter on XX/XX/XXXX that said : " Thank you for contacting us about Property Tax on the lease account above. In order to assist you, we need additional documents. Please send a copy of this letter and information shown below as soon as possible : Other : Please provide a copy of your current registration and a copy of your insurance card ... Sincerely, Lease Retail Services Representative '' I received a second letter also dated XX/XX/XXXX that said : " I am writing to you concerning the above referenced lease. Per our call to XXXX XXXX, VA, the customer may have registered in XXXX XXXX, VA, but they live in XXXX XXXX, VA. XXXX XXXX does not border XXXX XXXX from any direction. XXXX XXXX notified XXXX XXXX so the property tax billing would be received from the correct jurisdiction. The bill is valid for the residential and garaging address ... Sincerely, Title Research Representative. '' That letter was completely out of scope on my situation. I have no affiliation with the state of VA and never have. I have no idea where they even got those counties from and throughout this whole time ( XX/XX/XXXX-XX/XX/XXXX ) Chase reassured me that they were going to investigate my account and request a refund from the state of Texas given that my vehicle was never there. This whole situation has led me to believe that Chase may have made an error ( it does not help that I'm receiving information about completely irrelevant information ) and they are not doing their due diligence to fix this. Each time I speak with a different representative at the number they provide on the billing letter, I receive a different explanation. One of the times, a representative told me that my case was already closed on Chase 's side because they determined that my vehicle was in TX and that state does not issue refunds. Again, my car has never been in TX, it has always been in CA and I have proof of registration and insurance that I've provided to them. I hope that this situation makes sense and I apologize for all the details, it was hard to explain without going into detail. | ||||||
| 08/02/2022 | Yes |
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| Shortly after I opened a checking account with Chase Bank, I set a recurring internal transfer from within the Chase mobile app of $ XXXX from my Chase checking account to Chase 's investment brokerage service ( both accounts are viewable from within the Chase mobile banking app ). Not long after setting up this recurring transfer of $ XXXX from my checking account to this Chase investment account, I realized it was way more than I could afford to be transferring out of my checking account per day to the investment account to still pay my bills and keep my checking account in the green. However, when I tried to turn off the recurring daily transfer from my checking account to the Chase investment account, I realized there does not appear to be a way to do so. I am very experienced in fintech and my career revolves around financial services and technology, so it wasn't simply user error. I have called Chase 's customer service on the checking side, the credit card side ( more on that below ), and the investment customer service side ; I have spent hours and hours on hold or being bounced between departments within the bank, each time promised once more they'll " get me right over to someone who can help '' only to be transferred and put on hold again. I have been told multiple times by Chase representatives that they'll look into the issue and fix it, but I have never heard back on the matter. After pleading for a fix to this issue several times, and Chase representatives agreeing that it's a big problem and they don't see a way to turn off the outgoing transfers either yet couldn't do anything about it other than transfer my call to some other department that agrees the same but also can't do anything to help, I gave up on trying to get the glitch resolved. With {$50.00} coming out of my checking account a day, and no way to shut off the daily outbound transfers, and also no way to instantly transfer the funds back to my checking account ( both outbound and inbound, the automatic daily transfers take time before hitting the destination account, meaning that I can't access that money while its in-transfer or sitting in an investment account I do not even use, and it can add up fast because it's impossible to keep up with each day to move the money back. In XXXX of this year, I became the XXXX XXXX XXXX XXXX XXXX XXXX and also had a random accident that resulted in a XXXX XXXX with XXXX XXXX that last several months. Not only was my income down from not being able to look at a computer or phone screen per doctor 's orders, and paying for all the expenses of having a XXXX XXXX, but I also had to keep up with Chase 's auto transfer bot ever day, as it was causing me to incur overdraft fees when I should have had money in my account. The overdraft fees I have incurred due to not being able to turn off {$50.00} coming out of my checking account after withdrawing my consent verbally on a recorded line with Chase customer service on multiple occasions yet continue to persist have caused a lot of issues for me and my credit score. For one thing, I have paid a huge amount of overdraft fees that seem to have a snowball effect and lead to more overdraft fees. I was not able to make the payments on the Chase credit card connected to my checking account because I was instead paying overdraft fees charged to my checking account because Chase was moving {$50.00} a day to a Chase investment account. I do not see this as being a fair way to do business, pushing someone into red by transferring their money to a different account, then charging a slew of overdraft fees and not resolve the issue even after I withdrew my consent for the daily transfers to continue. Thank you for researching this matter. It has been the source of an enormous amount of stress in my life and any help in resolving this issue would be extraordinarily appreciated. -- -- -- Fair Resolution to Issue : - I need the automatic daily transfers from my checking account to Chase investment account to be fixed and turned off ; - I need Chase to refund the overdraft fees I have incurred over the past 2 years due to this automatic daily transfer of {$50.00} from my checking account ; - I need to be able to resolve the balance outstanding with my Chase credit card which became impossible to make the payments with the overdraft fees I was being incurred as my money was being drained from my checking account due to the unauthorized ( de-authorized, at least ) funds transfers ( at a rate of $ XXXX ) over the past 2 years and the result was more overdraft fees. - I received notice Chase is now going to " charge off '' the account which I want to pay, but after missing a few payments due to all of the fees, and during a period when my income was low due to recovering from an accident and parenting a newborn baby, Chase sent me an invitation to negotiate a " re-payment plan '' that would require me to agree to may payments toward a way larger amount than the actual balance of the credit card pre-default ( I assume they added in fees and interest and anything else imaginable ). Again, I believe it was an unfair process because I had complained to the Chase credit card representatives multiple times that I was having trouble making payments due to the overdraft fees that were resulting from this automatic daily transfer situation. - Negative Credit Reporting Must Stop and Erased Because this is Clear Bank Error With Consumer Harm. | ||||||
| 09/30/2022 | Yes |
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| This does not exactly fit one of those checked boxes but I feel this needs reported somewhere. Please direct this complaint to the appropriate department. I have copied the original statement that was submitted below. This is fraud no matter how you spin it. The Bank we are complaining about is Chase Bank. We received through email that the funds would not be returned to our account. We feel this is a loop hole in the law and we in no way authorized anyone to transfer these funds. We have seen other news stories about this scam where other banks have re-issued the funds lost and we want to know why Chase Bank will not? XXXX to Chase : On the afternoon of XX/XX/2022 approx XXXXXXXX XXXX I received a text message informing me that my XXXX account had been subject to suspicious activity. The message also provided me with a phone number to call if the suspicious activity was not authorized. I had not authorized any activity so I called the number. The man who answered my call introduced himself telling me his name was XXXX XXXX and told me he worked for XXXX. He gave me a work ID number, XXXX and provided me with a call back number, XXXX. He then explained to me that someone had access to my XXXX account and a person in NC was trying to make a purchase of {$720.00}. I told him not to authorize the transaction. Next he instructed me to download an app that he needed in order to gain access to suspend the so-called fraudulent activity. I did that. Then he instructed me that he needed to transfer money to a secure account. I thought I was securing my money when I was actually without knowing it, he was opening a XXXX credit card in my name. Next he used that credit card and transferred money to 5 different peoples XXXX accounts. I asked him several times what was the purpose of this and he replied that these were not real people but safe accounts and my money would be safe. He then told me that the hackers had access to my checking and savings accounts. He told me he needed to move that money to a secure account. He assured me that once the money was transferred to a secure account then I would get it all back in my original account. He said I needed to wire the money from my account to an account called international immortal. He instructed me how to then wire the money in my account in 2 transactions and told me to send it to the international immortal account. One was for {$4000.00} and the other for {$6000.00}. I initially did this as instructed because I thought I was sending it to a secure location that would then automatically be put back in my account. I did not knowingly authorize any of these transactions that were taken from my accounts. Then he proceeded to ask me if I was familiar with XXXX pay. He said it was necessary because the hackers could have info from my account and this was another step in securing my money and preventing the hackers from getting it. I questioned if this was necessary and he assured me it was. He assured me again that he was a legitimate associate of XXXX and the funds would be automatically transferred back as soon as the threat was eliminated. He instructed that {$1000.00} needed to be transferred into another secure account. At this point things were not adding up to me and I started questioning him more and more and asking repeatedly for my money back. He kept telling me to be patient and to just wait a few more minutes. I started demanding my money back. I said I did not authorize you to do this, and I will go a different route with my bank. I told him I wanted everything to transferred back now, he argued with me it would be. He continued over and over telling me that it would be returned shortly. He then hung up on me. I tried to call the number back but it did not work. I then called Chase bank to get some answers. They said they could see the wire transfers and because they were transferred through chase they thought they could stop them at the time. They assured me that through the fraud dept they could help get the money back that was taken from me. They gave me advice on how to secure my accounts and instructed me to call XXXX. They also told me to get identity protection. I then made plans to go in person to my local Chase branch the next day. The next day I met with an associate and told her what happened. I filled out my original statement of what happened and completed the Forgery packet. I then called our local law enforcement and filed a police report about what happened. The next day they got back to me and said they are opening up an investigation and that I was a victim of a crime. The case number is XXXX. I 100 % thought I was talking to an authentic associate of XXXX the whole time until the end when I started questioning him. I in no way would ever authorize these transfers and believe myself to be a victim of a crime and am willing to testify in order to catch the criminals who did this. I was then told XX/XX/2022 from Chase bank that the Chase associate who I gave my original statement to and all the papers in the XXXX packet to on XX/XX/XXXX, had lost them all and did not submit them successfully. So I am now re-writing my statement in hopes of Chase banking helping me finally get my stolen money back after this horrific ordeal. My original claim number is XXXX. ** XXXX has rectified the situation completely XXXX has done nothing and said they were not liable to return any money XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX | ||||||
| 10/18/2019 | Yes |
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| I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX since XX/XX/XXXX a cooperative cooperation that I purchased from XXXX XXXX XXXX XXXX XXXX. My original mortgage was with XXXX, and later on JP Morgan Chase Bank, XXXX. purchased the mortgage from XXXX. In XX/XX/XXXX I refinanced the mortgage to take advantage of the favourable rate at that time, and took some additional equity out to pay off my credit card bills and use what was left over to enhance my apartment. In XX/XX/XXXX, during the finical crisis my employment at XXXX for 13 years was terminated. During that time, I collected sum unemployment insurance, I believe it was around 6 weeks of unemployment insurance and eventually landed a long term XXXX Job at XXXX XXXX XXXX. On and off again I continued to consult at XXXX XXXX XXXX., and eventually applied for a full time position. I have been working at XXXX XXXX XXXX since XX/XX/XXXX, 9 years as full time employee. During the 15+ years, I have always paid my mortgage on time, and in some months have made prepayments. I have never been irresponsible about paying my mortgage, and in the last few years do not carry credit card debt. I pay my bills, I am a reasonable person. Over the years I have made mistakes, and forgot to pay a bill, but never the mortgage. I am a very passionate person. I care about my family, my friends, my neighbours, but what sets me aside from most people is my generosity and willingness to lend a helping hand. I put my need and wants second to everyone else, that is just the way I built, and I ask for nothing in return. After living at XXXX XXXX XXXX XXXX for a few years, I started to notice issues in the buildings. The management company and the board seem to take a laissez faire attitude towards running the building. They were snarky, condensing and just outright rude at times. As nothing was getting done correctly, or done at all, and the Board and management company was ignoring me I was growing more and more concerned. I wanted to protect my interest in the property, was I living and well run building, where we safe? I started seeking help from various governmental or regulatory authorities in XXXX to get help to understand about property management, and how the regulations in NY. That eventually led me to the Department of Buildings in XXXX XXXX XXXX. I have to say, a very helpful, friendly and professional organization. Eventually I started filing complaints with them, it seem to me that was the only way the Board was going to get motivated to repair the property. They would send an inspector in, and give the building a time period for resolution. Of course that did not go over well, and the Board was getting very angry with me. In turn, I was getting very angry with them, and to date emotions are running high. Eventually the board targeted me, and started their retaliation. In XX/XX/XXXX I started to get threat from the co-op attorney lawyers. Most of what they were telling me where baseless outrageous exaggeration, this lead them to sending a letter to my mortgage company stating they were going to terminated my proprietary lease. JPMorgan Chase Bank, N.A. is now claiming based on that letter and some other conversations with the co-ops attorney I am in default on my loan, specifically the possible cancellation of my proprietary lease. The Loan Security Agreement does not specially address proprietary lease issues, and after speaking with a representative at JP Morgan Chase Bank, N.A. there has been no resolution. I have been waiting for a return call from the representative or an e-mail, but have not heard from them. JP Morgan Chase Bank, N.A. is accelerating my loan for full payment based on one letter. As I am unable to pay the full mortgage, that will eventually lead to foreclosure. Again, I am still current with my payments and still continue to pay what I owe every month. The spirit of the Loan Security Agreement is my ability to pay, and as I am current, I believe they are improperly applying the rules of the agreement. Based on what I have read about JPMorgan Chase Bank, N.A. they have a staggering amount of regulatory violations, and believe what they are doing to me is not correct. I do not sleep at night anymore, and it is hard for me to go home and face the co-op I may lose because of this situation. I have problem concentrating at work, and constantly depressed. A few day ago I was not paying attention when I crossed XXXX XXXX, and almost got hit by a delivery truck. JPMorgan Chase Bank, N.A. is not offering any resolution, solution. The person that is handing this at the bank, it is my perception she has less than a years experience, constantly repeats the same thing over and over, and unable to answer even the most basic of question. I dont know how much longer I can handle this stress, I have XXXX. Embarrassingly enough, I started crying at my desk one day. This will lead to only one thing, I will lose my home. Can anyone help me? It a huge bank, and I am one person. It amazing that they can do this, it is amazing that they can take advantage this way, after taking billions in bailout money. I dont know how they can do this, I am not past due on my payments, and I have never been past due. JPMorgan Chase Bank, N.A. should not be accelerating my mortgage to full payment, I pay on time, and the collateral for the mortgage is still in place. Of course, I will continue to pay as I are always done at the end of the month. | ||||||
| 01/23/2023 | Yes |
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| I am writing to complain about Chase Bank and its unbelievably awful handling of my Fraud case claim. I registered a Fraud claim on XX/XX/XXXX, and after speaking to countless people at the bank since then, I am no closer to getting a resolution. Back on XX/XX/XXXX, I was scammed out of XXXX {$13000.00}. I received a call from someone claiming they worked at Chase bank, asking if I was trying to send money to an unknown person. They asked if I was in XXXX at that moment and did I recognise this attempt at transferring money. I panicked because I was currently in XXXX and did not know the supposed recipient. This was not me. I, believing I was speaking to someone at Chase, followed all the steps they asked me to ensure that none of the money was being taken out of my account. Unknowingly, I then fell for the actual scam. Once I realised what had happened moments later, I then called the Chase Fraud line, and I was directed to the secure messaging portal in the app. There, I was given a case number, and I was assured that these things happen, that I was insured up to {$250000.00}, and that my money would likely be returned within 24 hrs. Here in lies the first of many banking failures- even after informing them that someone unknown to me had accessed my account and funds, no one person put a block on my account. As a result, the account went overdrawn and has incurred bank fees since then. Upon my arrival back in XXXX XX/XX/XXXX I called Chase bank to learn what was going on, as I had not heard anything further. After finally getting through to someone who knew something, I was told that the case was still under review and was most likely going to take max. 10 days to resolve. Then started the second part of their banking failures ; I called every day, and without fail, I was passed from person to person, department to department, until the line finally dropped off. Every time I was assured by someone that they were going to de-brief the other person in the right department, and every time I was transferred, it was to someone new who had no idea of my reason for calling. Of the c. 8 times I called over those following days, my wife was privy to three of those calls, and she can give testament to how ridiculous this was. I was desperately trying to find out what was being done to resolve the case and when I was going to get the money back that I so desperately needed. I got nothing. Out of total despair, on XX/XX/XXXX, I went to a branch in person to speak to someone. There at Chase Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I spoke to XXXX XXXX. She sat with me on the phone with various departments, desperately trying to get an answer for me. Even calling from her Chase phone, she just got passed from department to department without any resolution. I told her I was going to the XXXX for the holidays, and she assured me that I could contact her directly and would keep on top of this. On the XXXX of XXXX, after not hearing anything, I went to the XXXX for the extended XXXX break. There, I waited patiently for any news from the bank. Nothing. I called and had the same experience ; no one knew anything. I emailed XXXX twice and never heard any reply. What is the point in having an XXXX of people on the phone or Chase members of staff " on hand to help '' if no one actually does anything? After drumming up considerate phone bills, on the XX/XX/XXXX, I finally got through to someone who said that the case had been under review and that they had decided to close it. I could not believe it. How had this case been closed before anyone had even reached out to me? I decided to wait until I was home in XXXX before I could take this up again with someone in person. XX/XX/XXXX I went to Chase bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and spoke to ( floating ) manager XXXX XXXX. I told XXXX everything that had happened, and he said he would see what he could do. As I sat there with my wife, we heard how XXXX was himself passed from department to department until he was told that the Wire Fraud department did not have a telephone number, so no one could talk to them on the phone. How, 6 weeks later, was this the first time someone had told me this? He then went on the internal mail server and corresponded with the Fraud team. To my amazement and surprise, they confirmed that the case was actually still open, under review, and that they were waiting to hear from the recipient 's bank!!!! How was I told prior to XXXX that the case was closed when in actual fact, it was still open? What is the truth here? Furthermore, to his and our total disbelief, the account was still open, as usual, and hadn't been blocked like I was told it would be - 6 weeks after the fact! I have fallen victim to a horrible case of fraud. I believed I was speaking to someone at Chase and was deceived. Not only has this left me moneyless and created total distrust, but I have also received absolutely no help from my bank. 6 weeks have passed, and not one person has been able to help me. This is different from how a bank should treat their customers. I feel like I have been scammed twice ; once by the scam XXXX and once by the bank who I entrusted with my money. If, indeed, it's true that every time you call Chase, they say the call is being recorded, then they have countless recordings of me calling in, trying to get through to someone, in total despair, without any luck. I desperately need some help. XXXX | ||||||
| 04/11/2020 | Yes |
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| My husband and I visited XXXX for vacation from XX/XX/XXXX through XX/XX/XXXX. We have no family, friends, nor business connections in the country - we were simply there to visit a new place and experience a new culture. Except for one elegant XXXX XXXX XXXX dinner ( {$200.00} USD ) and a cash advance to take out Euros ( {$250.00} USD ), all of our purchases were below {$70.00} USD. On our final day in XXXX, XX/XX/XXXX, we were eating lunch at a restaurant and I planned to pay with my Chase Sapphire card. The waiter said there was a problem with the wireless internet and took my Chase Sapphire card inside the restaurant ( we were seated outside on the patio ). He was in possession of my Chase Sapphire care for approximately 10 minutes outside of my supervision. He returned and claimed the internet was down and said we could pay in USD or go get Euros from a specific ATM that he directed us to in the back of a neighboring store. I opted to go to the ATM and get Euros in order to pay for our lunch because we were worried we would get scammed on the exchange rate he would try and offer us if we paid in USD. After resolving the issue at the restaurant and returning home within the next couple of days, I noticed a fraudulent charge for {$5500.00} on my Chase Sapphire card and another attempted charge for about the same amount that was declined by Chase. The statement showed that the fraudulent charge was made at XXXX XXXX, and after some research online I found this to be a marble gravestone/tomb manufacturing business. The charge was made on XX/XX/XXXX, it posted to my account on XX/XX/XXXX, and I noticed the charge on XX/XX/XXXX and immediately called Chase to dispute the charge. My mind immediately jumped to the situation with the restaurant ( see above ) when the card was out of my possession for about 10 minutes and I was directed to use a specific ATM. I relayed these same facts during my dispute claim and answered all questions and provided all details they asked for, and then I waited to hear back from Chase with a resolution. In addition to disputing the fraudulent charge with Chase, I also tracked down an email for the vendor where the fraudulent charge was made, XXXX XXXX, and emailed them on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ) to explain the situation and request a refund for the fraudulent charge. I also submitted the same inquiry and request on the " messages '' portion of their website on XX/XX/XXXX. I haven't heard any response from the business as of XX/XX/XXXX. Due to their lack of response, I also left a negative, public review of the business on XXXX explaining their lack of response to my inquiries about the fraudulent charge in hopes of deterring any potential REAL customers of using their services in the future. On XX/XX/XXXX, I finally received a letter from Chase saying that my fraud claim had been denied because they deemed that I had received a benefit from the fraudulent charge. I immediately started the appeal process by calling Chase. After waiting on hold for 3 hours, I was told to send an email with my credit card number and full name to XXXX in order to file an appeal. Despite my security concerns of sending my credit card number via email, I felt I had no other options and on XX/XX/XXXX, I sent an email to XXXX with my name and credit card number and requested to start the appeal process. I also requested the following information : a copy of the receipt of this fraudulent charge ( {$5500.00} on XX/XX/XXXX ) and/or all relevant information ( time, date, address, swipe/chip/punch in numbers, etc. ), a copy of the receipts of all other charges made on XX/XX/XXXX on this account and/or all relevant information ( time, date, address, swipe/chip/punch in numbers, etc. ), and a copy of the report that includes a. ) all information that I provided to Chase about this fraudulent charge and b. ) an explanation of exactly why it was denied and deemed that I received a benefit. After not hearing back from Chase, I sent another email to XXXX on XX/XX/XXXX to confirm that my appeal request had been received and to request a phone call or email to confirm that it had been received and let me know that the appeal was in process. I received a phone call from Chase 's fraud dispute review department on XX/XX/XXXX confirming that my appeal request had been received. The representative who I talked with told me that he believed my claim was indeed fraudulent and relayed that he didn't believe the fraud department looked at the claim closely enough. He said that they never requested a receipt from the vendor ( XXXX XXXX ) to compare the signature with other receipts on file and he also shared that there were two successive charges in two different counties in XXXX that they didn't take into account when reviewing it because I couldn't possibly be in two places at once. I also continued to request to see the receipt for the fraudulent charge, receipts for all other charges on XX/XX/XXXX, and the report that detailed the denial of the fraudulent claim. As of XX/XX/XXXX, Chase refuses to send me this information about my fraudulent charge claim, and I believe I have a right to see this as a Chase customer. On XX/XX/XXXX, I received notice that my appeal of my fraudulent charge dispute had been denied, meaning that Chase is holding me responsible to pay the {$5500.00} fraudulent charge. It is at this point that I am filing a complaint with the CFPB. | ||||||
| 05/16/2021 | Yes |
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| The bank say to people come to the bank and take out the bank account which is a contract between you and bank you sign. the bank Contract basically asks for a signature card to show that this account will answer this person and this is their signature to a short of person that their money will be safe and secure with into the bank Once you sign the contract and open their account that is a contract between you and the bank that mean they are taking your money save your saving it into the bank and they take your money and let it other people and give a high interest and for the fact you give them your money and sign that contract they are saying to you that your money will be secure in the bank and we will give you a very small interest rate for you doing business and allowing us to take your money to conduct business by signing the paper and open up the account it shows that we have a contract together. Now I have reported the bank one time two times and this is the third offense you're doing they're basically looking to treat me as if I'm a kid and you're basically saying we are reprimanding you by stealing your money and taking your money out of the bank because you should have kept your mouth shut and not support us when we took your money. And when I report them again they went back into their account and took my money so they're not only breached contract they went against their fiduciary duty to keep my money safe keep it safe from people who steal as well as my money is FDIC and sure they did not look to give me back anything they look only to rob me and treat me as a farmer child basically saying you open your mouth and we will rub you again cuz we're big and we can continue to suppress a poorer or a lesser man because not them who are the president or the directors of the bank who's conducting this fraud. Will they have a sale If you're a gambling man and you go to the casino it says the house always wins okay. But there is another scene numbers don't lie. This saying from the previous saying what I said the house always way because one I'm not able man I don't gamble. The bank is not a casino so therefore their house can not always win because numbers don't lie I will draw my money and by the Wednesday which would be the XX/XX/XXXX through the XX/XX/2021. XXXX was taking from my account by the bank Chase Bank. This was done as a form of retaliation has to show me that you're big and you're treating me as a child as you keep my mom shot when they look to the fraud me before so they commit fraud again and rob my account The reason I say numbers don't lie and it trumps the house always wins because they are not a casino they are a bank digital truck and will show that I took out my money but then the bank went into my account and took out {$480.00} to {$500.00} within the date I just mentioned which would would be what in the space of a week so by Friday Saturday they took out this morning. So I am reporting them again. The first time or back in the days people used to save their money under their mattresses because they felt having the money into their house and keeping them money under their mattress we'll see for the number what the bank are short of that as people of society you can put your money to bank and it will be safe by the bankers the bankers will secure your money the only use your money give you a small percentage of interest while they let out your money and receive a large interest on the money they lean out to other people looking to condo business this is reinforced by the FDIC to say that if you bank with the bank we will cover your money and your money will be secure not to worry but it is a XX/XX/XXXX of a thing to know that is not someone outside stealing your money but the actual people into the bank who is going into your account consecutively even after I have reported them on two occasions while committing fraud breach and contract and going against their fiduciary duties by robbing me this is a third time you're doing it and I'm making a complaint again so they can learn and be thought not to steal from their clients their clients are not children your clients are big people with responsibility who has to put food on the table for their children or help their sick mother or help their brothers or help their sister or help their nieces or help their children so they rely on whatever money is placed into the bank so they can use it for their daily life or to put money down towards your children going off to college now the bankers already receive large pay as well as bonus pay but because of greed they go into their clients account and look to the fraud them and rob them so they did it to me at third time I'm making a complaint after a time this is by JP Morgan Chase Bank located in the XXXX my name is XXXX XXXX and this is a XXXX complaint on making they rob me just last month from the first to the XXXX and now this month which is me within the space of XX/XX/XXXX to XX/XX/XXXX they took money from my account within the amount of {$480.00} to {$500.00} around that amount but they are the individual person who took the money from their account and looked at the fraud me so they are retaliating for the fact that I reported them for being thieves and looking to commit fraud and rubbing my account. Name : XXXX XXXX phone number XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Account : CHASE BANK CHECKING : XXXX ROUTING NUMBER : XXXX | ||||||
| 10/12/2018 | Yes |
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| We originally purchased our home in XX/XX/XXXX, with an 80/20 combo loan totaling around {$170000.00}. The loans were immediately sold to XXXX which was communicated to us during closing. By XX/XX/XXXX XXXX sold the loans to Chase Home Mortgage. In XX/XX/XXXX we lost our grandson and incurred unexpected expenses that impacted our budget. In XX/XX/XXXX we sought a home loan modification with Chase and became entangled in that process for the next 4+ years. After being identified as an eligible member of the class action lawsuit against Chase, we were approved for a modification in XX/XX/XXXX. This occurred after we submitted and resubmitted at least 5 separate modification requests with them from XXXX to XXXX. Although some terms in the modification seemed suspect ( balloon payment, no itemization of increased principal amount, loan forgiveness amount ) we accepted the modification agreement to alleviate the enormous stress and put an end to our modification nightmare. Since then our children are now adults and we no longer need a 2,900 square foot home. We decided to sell our home and downsize. We recently found a buyer for our home and began the selling process. As we neared the end of the process, we were hit with a shocking bit of news. Apparently our 80/20 loan had been broken apart and the 2nd loan was either written off or bundled/sold back to XXXX, unbeknownst to us. That loan has been floating around out in the mortgage universe and is currently a huge barrier for us in trying to sell our home. During our modification process, we requested and Chase affirmed that our 80/20 loan would be consolidated into a single loan. This topic was discussed numerous times over the course of 4+ years. The final principal balance calculation in the modification agreement was relatively close to our original loan amount of {$170000.00} for both loans ( # XXXX and # XXXX ). The principal balance was around {$180000.00} plus additional interest, fees and a deferred principal amount for a total of {$210000.00} all under one loan # XXXX. We didnt reap the benefit of a lower payment, but we agreed since we understood the loans to be combined. After such a lengthy and exasperating ordeal, we were ready to get on with our lives. Now we are facing this second loan, inflated by 50 % over the original loan amount of {$34000.00}. We are currently paying Chase for our modified loan # XXXX. Chase says they can not release the lien on the 2nd loan because they no longer own it and has an outstanding amount due. Chase referred us to XXXX, who says they can not speak to us because they have transferred the loan to XXXX for collection. XXXX says they can not release the lien unless the {$51000.00} is paid. They only service the account and XXXX is the actual owner of the loan. We are caught in a corporate loop between Chase, XXXX and XXXX. Ive not been able to speak to anyone with the authority to research or make a decision on the situation. The practices have been familiar they have requested that we provide document after document after document, which we have done. Yet we still have not moved from Point A. I have been unable to get the matter escalated higher than a customer service specialist or customer service supervisor. None of whom have the authority to resolve this issue. After going in circles for 45 days now, were fed up with the basic, patronizing rhetoric from XXXX, XXXX and Chase. We have now been unable to meet our closing date multiple times trying to resolve this 2nd loan issue. Once again the consumer gets stuck holding the bag for corporate bad actors. It is well documented that the loan modification program was mishandled by most banks and servicers, so its likely that mistakes were made whether accidental or intentional. Since Chase orchestrated our loan modification, they should be able to review the work done and render an honest, factual assessment on this case. Following are questions regarding the Modification, that if answered and supported with documentation can provide a resolution : Was the original 80/20 Combo ( 1st and 2nd ) Loan consolidated into Loan # XXXX during the Modification process to fully cover the value of the home? 1 ) Prior to Modification approval in XXXX, where were payment funds applied for the 2nd loan since terms from the original 80/20 loan were still in effect? 2 ) What can Chase do to dissolve the 2nd loan and effect a lien release, if in fact it is consolidated into Loan # XXXX? How long will it take? If the 2nd loan # XXXX ( currently owned by XXXX & serviced by XXXX ) is a valid loan, 1 ) Did Chase write off Loan # XXXX and if so, when? 2 ) What is Chases practice for writing off a home loan? 3 ) How did the original principal amount of {$130000.00} on 1st Loan # XXXX result in a loan modification amount of {$210000.00}? What does the {$79000.00} difference consist of? XXXX ) What does the Deferred Principal amount represent in the modification? 5 ) Why was a 1099C issued and what did that amount represent? 6 ) Was the 1099C issued in accordance with the modification agreement? 7 ) How many times can a loan be written off? 8 ) Was Loan # XXXX bundled and sold to XXXX, and if so when? We are desperately hoping that help still exists for average Americans seeking facts and simple answers. Albeit, against large corporations who are not motivated to act with full disclosure and integrity. Thank you for your assistance. | ||||||
| 10/25/2023 | Yes |
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| On XX/XX/2023, I came to XXXX in XXXX to place special pick up order for XXXX boxes of Laminate flooring which total amount is {$110.00}. When I inserted Chase credit card ending XXXX, terminal prompted me to take the card out but no receipt was printed, XXXX associate told me the transaction did not go through ( fail transaction but Chase still charged me on statement ) so he requested me to inserted the card again. I did second time and this time terminal prompted " Approved '' and his system printed receipt and confirmation ( Kindly see # Order Placing receipt ). I did not notice that Chase charge me twice for same amount. On XX/XX/2023, I came to pick the order at same XXXX location, I examined the order and saw all of XXXX boxes are damaged completely. I told them these product are unusable so just cancelled this order and refund for me. They agreed and refund me the amount {$110.00} on XX/XX/2023 ( Photo Return Receipt ). This is the only refund by XXXX because the products was damaged. However Chase still billed me for the first failure transaction. Chase or XXXX never refund me either. When I saw the charged never been refund. I called Chase to open disputed on XX/XX/XXXX, I explained whole story to Chase representative and I need Chase refund me the amount for the transaction never been completed but still charged me. I received the letter ( Claim ID XXXX ) to inform that they have been searching dispute and given me temporary credit ( The fact is they did not provide any credit at that time # XX/XX/XXXX Open Dispute ). Then I received another letter saying that they resolved my dispute and they credited me full disputed dollar amount ( The fact I never have those credit # XX/XX/XXXX Close Dispute ). I called Chase again and explained this situation again. Another Chase Associate apologized me and said she will open dispute again and promised me this issue will be fixed and she put temporary credit in my account ( Yes only this time ). On XX/XX/XXXX, I received a letter from Chase Specialist name XXXX. The letter requested me to explain the details again and she attached sale receipt and Refund receipt. I responded her that those receipts she provided me the same which I have and they are complete transaction with me and XXXX, I need refund of the fail transaction that Chase still charged me. I said if XXXX already refund me the uncompleted transaction so please so me the evident. On XX/XX/XXXX, XXXX sent me the letter stated that she reviewed my dispute and saw I have two credits for the same dispute amount and she removed and refilled same amount {$110.00}. This is completely wrong. The refund on XX/XX/XXXX is because I cancelled the order because the order was damaged and XXXX need to fix the issue is refund me. I disputed the charged of fail transaction. Those are different. She was intent on not to fix the wrong charge. I was so angry and came to talk to one of XXXX managers at that location. I talked to the lady name XXXX XXXX XXXX, she is an Operations Assistant Manager, her phone number is XXXX. She searched on her system and found only one charged and has been refund on XX/XX/XXXX which is the return made by me. There is no record of charge of fail transaction. She explained that the first transaction was a pending transaction and due to system error, it became a dropped sale. She wrote those statement for me ( # dropped sale ). She said the only way is called Chase to dispute this one because this is Chase system error and Chase need to fixed this issue. I called Chase again, again another person understood my issue and said all of previous representative opened wrong dispute, they should choose the first transaction. Another apologized and another promised that the problem will be fixed ( CLAIM ID : XXXX ). She said that was Chase error and she would get permanent credit and promised this will be the last call on XX/XX/XXXX. She put very details and repeated what she entered in the note. And said she will applied me temporary credit ( The fact is not temporary credit has been posted ). I called back to Chase on XXXX to get status of the dispute. Another Chase Representative name XXXX confirmed me first approval is done and waiting for the second approval for the permanent credit. No response from Chase, I called again on XX/XX/XXXX and requested to speak to supervisor. She confirmed that she understood I am expecting the refund for wrong charge from Chase and the case was closed wrongly. Another apology. She continue opened the case again ( CLAIM ID : XXXX ) and applied a temporary credit for me. I received a mail from Chase on XX/XX/XXXX said case closed on my favor and again they still assumed the the refund on XX/XX/XXXX is the refund I am disputing and remove temporary credit on XX/XX/XXXX. Chase never intent not to fixed their problem, and refuse to understand customer 's explanation. Even every representative said they do understand my concern but those people who actual worked on my case never put them on my situation. They are afraid to fix their problem but want get free money from customer. XX/XX/XXXX, I called the last time and told them I will file complaint with government agency that Chase refused to resolve my problem but get free money for their error system. The representative told me that I was blocked to open any dispute in future. Wow Chase blocked me to open dispute because I am going to file complain to Federal Government. | ||||||
| 08/19/2023 | Yes |
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| In XXXX of XXXX we decided to obtain a loan through Chase Auto to purchase a XXXX XXXX XXXX that I was leasing from XXXX. I paid off the auto loan with Chase in approximately early XX/XX/XXXX. When I didn't receive the title I contacted them over the phone. They mailed me a notarized letter stating they acknowledged its lien for the vehicle had been fully satisfied. They instructed that I could take that letter and request my title with my state vehicle titling agency. In XXXX of XXXX I did just that however my state TX responded that the records showed that my vehicle was last titled in CA so they could not provide me with a title for my vehicle. When I leased the vehicle XXXX XXXX XXXX XXXX, when I got the auto loan through Chase, XXXX XXXX XXXX XXXX. When I contacted Chase they gave me the run around and said I needed to contact XXXX. When I contacted XXXX they told me the title needed to come from Chase. In XX/XX/XXXX a title for the vehicle showed up via XXXX XXXX to my house. It has XXXX listed as the lien holder however they had a signature releasing the lien on the title. Not having much knowledge of how vehicle titles work I assumed it was acceptable and filed it with my records. Fast forward to XX/XX/XXXX, we tried to sell the vehicle. When we took the title to our local vehicle titling agency they informed us that the title is not considered a clean title because it has XXXX listed as a lien holder, even though they have signed the title they state a clean title should have been issued from Chase since they took the lien over from XXXX. Again I tried showing them the signed documents from Chase releasing their XXXX. They will accept those documents however they state that we must not only pay the sales tax for the vehicle we are also responsible for late fees and interest since the vehicle was not titled by Chase 30 days after purchase. I have several loan documents from Chase that show we were charged for and paid for sales tax, title transfer fee and certificate of title fee. In the term of our loan we paid a total of {$1300.00} for those items. I called Chase on XX/XX/XXXX and informed them of the situation that we are in. According to the state of Texas we either need a clean title or pay the amount of {$1700.00} ( taxes and fees that also include penalties and late fees ). The first time I called Chase on XX/XX/XXXX the representative told me tall hey could send me is a XXXX release letter. I told her I already have XXXX of those and it was of no help. My husband & I then went in person on the same day to our local branch. The manager was very helpful although she said all auto business was done online. She called a surpervisor on the phone from her office. We explained the situation and she stated that a new title request had already been submitted and was in the works from my earlier phone call. I explained that the representative told me it was a XXXX release and she assured me we would receive a clean title in XXXX business days. I called again on XX/XX/XXXX to check on the status, I was told it was still processing and if there were any issues I would receive a call. On XX/XX/XXXX I received a letter from Chase and it was in fact another lien release statement. The same document that I already have and what the original representative told me I would be receiving. I immediately called again and went through the entire situation again. This representative told me that it is not possible for them to provide me with a clean title. Their office does not have the capability to do that. At this point I am beyond aggravated and frustrated. I explained that the only solution to this problem is that I am reimbursed the sales tax and title fees that we paid in our loan as well as the late fees/penalties so I could apply for a new Texas title or for Chase to issue me a clean title. She was adamant that a clean title would need to be requested from XXXX. I called XXXX and they are adamant that they signed over their lien to the title and Chase should have issued a new title when we paid off our loan with them. At this point I don't see how this is going to get resolved if Chase is unwilling to accept responsibility and take any accountability. I have a vehicle that I can not sell because I don't have an acceptable title. I paid taxes on this vehicle when I purchase from Chase I am not going to turn around and pay those taxes again. Every time I call Chase it is a different story and a different answer. The solution they offered yesterday was for me to open an inquiry that could take XXXX weeks with no guarantee of any outcome that results in getting us our title. That is unacceptable. I feel like they have done nothing but continue to string us along. They should pay the {$1700.00} so I can get a Texas title for my vehicle unless they can provide a clean title. We have been Chase customers for twenty years and I have never had such a bad experience with any financial institution. Is this how Chase treats loyal customers!? Not only will I never obtain a loan with Chase I will strongly discourage anyone else from doing it & having to go through all of this hassle. I am at fault for not pursuing this more aggressively at the time of payoff but it should have never been this difficult. They assumed the lien when we took the loan out of the vehicle. In all my years of purchasing vehicle never has a financial institution not provided a clean title at the end of the loan. | ||||||
| 10/05/2018 | Yes |
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Web | Servicemember |
| Following this summary is more information in the letter sent to Chase Bank. Originally the Mortgage was through XXXX XXXX who was establishing a Mortgage loan for my daughter. My daughter at that time did not meet the qualifications for a loan so I was asked if I would sign for the mortgage loan. We reached an agreement that I would only be required to be liable for three years and both our names were to be on the title until the Mortgage loan was officially transferred to my daughter. Chase Bank took over XXXX XXXX in XX/XX/XXXX. I explained to Chase Bank about removing my name from the mortgage at the local Chase Bank. I was informed to remove my name from the title, and Chase would assign the mortgage to my daughter. A few days later we were told the transfer was denied because Chase does not give loans for Trailer homes. The details are contained in the letter sent to Chase Bank. After this letter was sent I was informed by Chase that they would not remove my name from the Mortgage Loan. I also was told to contact the Chase Executive Office. They also reviewed the letter after I called them. I later was called from a Chase Executive, referring me to call a local Chase Bank and have them process the mortgage into my daughter 's name. Chase Bank is still refusing to give a Mortgage loan to my daughter because of the house trailer on the property. In addition the monthly mortgage amount is transferred from my daughters checking account to my Chase account showing her name on my account. This then completes the Chase monthly payment. My daughter and I have never authorized this transfer from her account into my account for payment. Chase also increased the mortgage interest rate recently from 6 percent to 8 percent without my knowledge. ________________________ ( Chase Bank XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Mortgage acquired from Washington XXXX XX/XX/XXXX under the following conditions. XXXX XXXX XXXX could not qualify for the original loan of {$23000.00} for the property listed above. The property original appraisal was {$30000.00}. The XXXX XXXX Loan Officer acquired approval for the loan against the property to be taken under my approved credit rating with additional conditions added. First the title was to be placed in the names of XXXX XXXX XXXX and XXXX XXXX XXXX. ( See attached samples XX/XX/XXXX & XX/XX/XXXX Tax Statements ) Also XXXX XXXX XXXX was to make all property payments. Including Insurance, Taxes and any other charges that are made against the property ( see attached sample copied from XXXX XXXX Chase Account ). There was a Washington Mutual agreement, if XXXX XXXX for three or more years was to make all payments on time, XXXX XXXX would transfer the mortgage loan to XXXX XXXX XXXX and XXXX XXXX would remove XXXX XXXX XXXX name from the mortgage loan. This also required XXXX XXXX XXXX to remove his name from the property title deed at that time. Also XXXX XXXX XXXX was required to open a checking account with XXXX XXXX. This information was placed on a XXXX XXXX document that was signed by XXXX XXXX XXXX, XXXX XXXX XXXX and the Loan Officer. When Chase Bank purchased XXXX XXXX, XXXX XXXX XXXX, checking account was also transferred with the Mortgage Loan. XXXX XXXX XXXX also had two Chase Cards. A third Chase bank account number XXXX paid all mortgage and property expenses by moving the amount needed from XXXX XXXX XXXX, Chase checking account to XXXX XXXX XXXX, Chase checking Account. ( See attached example printed from Chase Account dated from XX/XX/XXXX to XX/XX/XXXX ). The name is under the title XXXX and number XXXX to make the necessary payments. In over twelve years XXXX XXXX XXXX has faithfully made all payments on time meeting the requirements to transfer the Mortgage Loan to her name and also removing XXXX XXXX XXXX from the Title Deed. To date, XXXX XXXX XXXX has not paid any amount of money towards this property. Currently the loan is still under XXXX XXXX XXXX and shows the property under his name, being paid in account for transfer from XXXX XXXX XXXX, checking account. Approximately four years ago my daughter XXXX XXXX XXXX and I talked to the Chase loan manger in XXXX, Texas, where my daughter XXXX XXXX XXXX has her Chase checking account. After explaining the information shown above, the manger suggested I remove my name from the property title and then Chase will proceed with transferring the Mortgage loan under XXXX XXXX XXXX. After completing the name removal from the property Deed, we were told by the Loan Manger the change was denied and XXXX XXXX XXXX will need to find another place to get a loan to pay off the Chase Mortgage Loan. XXXX XXXX XXXX is disabled and living on Social Security and limited work, she could not find any place to get a loan. My credit rating is lowered because the loan is still in my name According to my lawyer, Chase Bank is obligated to the arrangements of XXXX XXXX. My daughter XXXX XXXX XXXX had copies of all the XXXX XXXX documents, but someone has stolen those documents plus other items from her house. XXXX XXXX XXXX twelve year record of making all required payments regarding the loan and property expenses should be taken in consideration in transferring the loan under her name. At XXXX years old and a XXXX Veteran, this should not be an additional expense for my wife when I die. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX | ||||||
| 06/23/2020 | Yes |
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| To Whom It May Concern : I am writing you to attempt to get assistance for my Chase Sapphire card, which ends in XXXX. I first reported this issue in XXXX, XXXX. My job requires travel and, in XXXX, sent me to XXXX XXXX, XXXX. Ive always liked to work out so I set out to find a gym. The only gym in town was XXXX XXXX so I signed on and added tanning to my membership, which was about {$59.00} a month. This was around XXXX XXXX of XXXX. That was the ONLY time I ever saw the owner of that gym. In XXXX of XXXX the tanning machine at that location was broken. In XXXX of XXXX, I started trying to get the tanning membership removed from my account, as I was still being charged for a BROKEN item that could not be used. I both emailed and called the gym. Neither have been replied to, TO THIS DAY. During this time I continued to go to work out at the gym, so I also left a note slid under the door of his office about wanting to cancel the tanning portion of my membership. Nothing was done so I got online and requested my money back for tanning on my membership at that time, you could report unauthorized use of your card online. They did the usual follow upsending letters confirming my request, etc. Somewhere around XXXX, XXXX, I opened up my credit card bill and found that XXXX had charged me {$260.00} dollars ( not positive on that amount but its close ) for no reason at all. I called Chase immediately and told them to block this merchant from my card. At this time, the representative that I spoke with at Chase confirmed that the owner of XXXX XXXX wasnt answering their calls/letters either. I also, AGAIN, sent email and a phone call to the gym to cancel. As I had requested that Chase block the merchant from my card, I had no reason to suspect that I would be charged again. I trusted them to do the right thing for me, their customer. XXXX was a busy time for me. Im in the XXXX and XXXX business as a XXXX and in XXXX, my entire XXXX was laid off. Id made the decision to move to XXXX permanently so I was in between XXXX and XXXX a lot, plus starting a new, very demanding job. Id put my credit card in my jewelry box and set it on autopay because I wasnt always getting my mail in a timely manner. I admittedly didnt open a statement for several months because I was just buried. That was my fault. In late XXXX or early XXXX of XXXX, I opened my statement and found a {$59.00} charge from XXXX XXXX. I went back several statements and found out that the payments to them NEVER STOPPED. I got online immediately and discovered that, for some strange reason, I was not able to dispute charges online any longer. So I got up from my desk ( after my move, I took a real job in an XXXX, no longer a XXXX ), signed out for my 15 minute break and sat, on hold, for well over ten minutes. I told the customer service representative what was going on and they said theyd look into it. Their idea of looking into it involved taking zero responsibility and offering zero help to me, their customer. I have several letters attached to this showing their response. The most recent letter is attached as well, which is the one I will be addressing here. In that letter, Chase states that they will not be helping me on this. They state that the XXXX XXXX charge were too old to do anything about. I disagree with that as it should have been addressed in XXXX of XXXX but as I stated above, I should have caught it. The kicker is their response to the XXXX XXXX charges. They state that they never received my reply when they sent letter for more information. These letters that they sent were dated the last week of XXXX and had to be returned by XX/XX/XXXX. They state they never received my reply, which is a BLATANT lie. Not only did I mail them ( due to the date I received them, they would not arrive to Chase by XX/XX/XXXX. Pretty sure they knew this when they mailed them. ) but I also submitted them online, as the letter stated I could do. You will see the PDFs of emails that I received stating that Chase had received my online message, and the date on those emails is prior to XX/XX/XXXX. They stated that due to my inaction in returning the letter that they would not help me any longer which again, was simply untrue, as proven by my emails that are attached. It was also mailed to them. In the meantime, due to Chases incompetence, I also submitted a XXXX XXXX XXXX complaint. This compliant is still outstanding. Someone named XXXX who claimed to be from Chases corporate office called and left me a voice mail. I called her back within five minutes and have yet to receive a return call. Ive not received a single phone call from anyone at Chase who wants to help me, in fact they seem to be actively avoiding me. I understand that COVID 19 has them very busy but this started in XXXX. I want my charges from XXXX to XXXX refunded. I jumped through every single hoop that Chase requested to get this done. This was NOT a valid charge and I stated this in XX/XX/XXXX. If they are not going to over any protection to me, their customer, then I want all three of my Chase accounts closed. I do not want to continue to do business with someone who does not protect me as a customer. Ive attached several letters from customer service ( ha! ). You can tell by the letters that they do not care about their customers at all. My telephone number is XXXX. Feel free to reach out if you have any questions at all. Best Regards, XXXX XXXX XXXX | ||||||
| 04/14/2021 | Yes |
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Web | Servicemember |
| The intent is to remove a charge-off that was unjustifiably placed on the account. On XX/XX/XXXX, I filed Chapter XXXX. My attorney listed Chase Card Services as a creditor. However, after filing I continued to fulfill my financial obligation to Chase Card Services by making on time and well above the minimum payments. But Chase charged the account off on XX/XX/XXXX. Notably, this account was current and never late before filing Chapter XXXX, and it was current and never late after filing Chapter XXXX. After the account was charged-off on XX/XX/XXXX, the cardholder immediately received calls from collections, who informed the cardholder that the account was late. I spoke with collections and informed that Chase reported the account past due. I confirmed timely payments to Chase through online payments/bank statements. The Collections department advised that the cardholder speak with Chase Card Services. The Cardholder called and was informed by Chase that the account was sent to collections because it was " 180 '' days past due. I disputed the claim, saying, that I continued to pay the account on time and well above the minimum payments after filing bankruptcy. Chase confirmed that payments were received, but strangely opined that the account was past due. Notably, depending on the department, i.e., collections, customer service, bankruptcy, Chase vacillates between two arguments to support the charge-off. First, Chase argues, the account was past due " 180 '' days. But this argument fails since the account was never late. Second, Chase argues, the bankruptcy per Chase " Policy '' automatically charged-off the account. But I have repeatedly asked for this written policy, and Chase has failed to provide. I escalated my complaint to " XXXX '' in the Executive Office. On XX/XX/XXXX, XXXX called and confirmed receipt of my complaint. Subsequently, I received a voicemail from " XXXX '' on XX/XX/XXXX, saying that, " The bankruptcy normally falls under the accelerated charge-off criteria, and it is " systematically '' charged-off within " 60 '' days of bankruptcy coding. Further, " XXXX '' asserted this is a valid charge-off. Notably, " XXXX '' did not provide this communication in writing. I called " XXXX '' to get clarification about the so-called accelerated charge-off criteria. But XXXX has intentionally avoided my calls. However, I researched accelerated charge-off criteria and discovered this " criteria '' pertains to FDIC laws and regulations, not Chase " Policy '' as claimed by Chase. FDIC 5000-Statements of Policy, " Loans in bankruptcy should be classified loss and charged-off within " 60 '' days of receipt of notification of filing from the bankruptcy court or within the time frames specified in this classification policy, whichever is shorter, UNLESS the institution can clearly demonstrate and document that repayment is likely to occur. '' So, Chase had the discretion to charge-off or not charge-off the account contingent upon the likelihood of repayment. I contend that Chase had no justification whatsoever to charge-off the account. First, there was not a high balance on this card. Second, the cardholder made timely and well above the minimum payments before filing Chapter XXXX. Third, the Cardholder continued to make timely and well above the minimum payments after filing Chapter XXXX. Therefore, it was highly probable that the Cardholder would repay Chase Card Services. Moreover, the Cardholder continued to make timely payments until this account was paid in full on XX/XX/XXXX. However, Chase continues to falsely report to the CRA 'S that {$1000.00} written off. Also, in XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX. The " Letter '' asserted that the account updated to the CRA 'S. But I noted the following inaccuracies : Account charged-off XX/XX/XXXX ; Accountholder made a " settlement '' payment on XX/XX/XXXX ; and account paid in full for less than full balance. I spoke with Chase about the inaccurate reporting to CRA 'S. Chase admitted that the reporting was inaccurate, and assured that Chase would update the CRA 'S. However, I received another letter from Chase dated XX/XX/XXXX. Again, Chase reported inaccurate information to the CRA 'S. Chase asserted that the account charged-off XX/XX/XXXX ; Charged-off, paid in full. However, in the credit report dated XX/XX/XXXX, Chase continued to falsely report that the account charged-off and {$1000.00} written off. Also, I have been told three ( 3 ) different dates as to when the account charged-off:XXXX, date of filing Chapter XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. But Chase continues to report that the account charged-off on XX/XX/XXXX. Also, I requested Chase Statements starting XX/XX/XXXX thru XX/XX/XXXX. Notably, Chase " XXXX '' deliberately failed to send statements for XX/XX/XXXX thru XX/XX/XXXX. These statements are important since these statements show what was owed on the account before Chase allegedly charged-off the account on XX/XX/XXXX. These accounts also show that the account was current and the cardholder paid above the minimum payments before the account was charged-off, which supported the likelihood of repayment. Also, supported that the cardholder intended to pay the debt owed before Chase Card Services unjustifiably charged-off the account on XX/XX/XXXX. I greatly appreciate any assistance that your agency can provide in this matter. Respectfully submitted, | ||||||
| 07/13/2018 | Yes |
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| Chase bank had mailed me a special bonus offer to open a checking account with them, and I decided to take their offer by going into a Chase branch to open a checking account with them. During the account opening process the banker had informed me that I had some preapproved credit card offers available. I was intrigued and proceeded to ask what the offers were and if preapproval means guaranteed approval. The banker informed me that preapproved offers typically means that there is a high chance of approval because my credit profile matched certain criteria but it was not a guarantee and approval is still based on the information in my credit report. I then asked what offers were available and the banker informed me that I had two offers available, one of which was the Chase XXXX XXXX credit card. I was very surprised and excited about the preapproved offer because I had previously applied to get the card but was denied on two separate occassions already. I told the banker about my previous applications for the card which ended up being denied, and that I wasnt planning to apply for the card again so soon. I told the banker that I assume Chase knows that this card was something I wanted and the preapproved offer must mean that Chase now sees that I am now more qualified for an approval than before. The banker informed me that I must have been managing the credit card account I have with them very well because I was just recently given a credit limit increase. I told the banker that I would take their preapproved offer only because the offer was preapproved. The banker submitted the application for me and told me it was processing and that sometimes it can take a few days to reach a decision. A few days later I tried using my Chase credit card and was surprised that it was declined. I was even more shocked to learn that my Chase credit card had suddenly been closed. I called Chase to inquire what caused the sudden closure only to be told that my account was closed due to too many requests for credit and the decision was prompted by my acceptance of the preapproved offer in Branch. I told the CSR that I only applied because Chase informed me that it was a preapproved offer, and had it not been deceptively marketed to me in that manner that I would not have applied again because I was previously denied already not long ago. I tried to reason with the CSR that it must be a mistake for them to close my credit card account because I decided to accept an offer from Chase that was preapproved. The CSR told me that preapproved offers are simply a form of marketing and the fact that I applied for the account doesnt change and that the decision to close my account will be provided to me in a letter. I asked about my the status of the application that was submitted and was told that the decision will also be explained in another letter that I will receive. I received two letters in the mail from Chase on the same day. One was dated XX/XX/2018 explaining why they closed my account, they provided 3 reasons : 1. too many requests for credit or reviews of credit. 2. the accounts on your credit report have not been open long enough. 3. this account and/or a related account was closed at the banks request. Upon reviewing the listed reasons for closure, I find that the 2nd and 3rd reason listed are quite frivolous. The accounts on my credit report have not been open long enough sounds like a logical reason for denying an application, but this account was already approved and opened, so the length of time my accounts have been open was already considered when my Chase approved my application. It makes no sense for Chase to bring up that point because the age of my accounts is not something that I can control or change. The 3rd reason listed for closure is a complete joke and simply there to make it falsely appear as if Chase has more than one valid reason to close my account. It is ridiculous to say that the reason your account was closed is because your account was closed by us. This leaves Chase with only one valid potential reason for closure and that is because of too many requests for credit. However, even that reason is questionable due to the fact that the request for credit was sparked by Chases deceptive preapproved offer. The second letter from Chase received is dated XX/XX/XXXX and the only reason provided for denying my application for the Chase XXXX is previosly unsatisfactory relationship with this bank. When I called in to inquire what that meant, the bank said the application was denied because Chase had closed my previous credit card. I tried to reason that at the time of my application, I didnt have any accounts closed by Chase and my application should be reconsidered. I have tried to resolve this issue by speaking with Chase and explaining that their deceptive marketing resulted in my acceptance of their falsified offer and has caused significant negative impact and harm to my financial well being. Chase doesnt seem to think that the marketing and advertising for their credit products are false and misleading, but in this case, it is very evident that it is. It is not fair for Chase to trick me into applying for a their product using misleading advertising such as preapproved offers, and then take such adverse action like closing my existing account and then denying my application without going allowing it to go through the usual application process. | ||||||
| 03/31/2023 | Yes |
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| This is a complaint against unlawful actions by JP Morgan Chase Bank, NA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, and it's agents under the color of law. They are all complicit in and responsible for profiting off of endangering my life and bringing severe harm to me and my financial reputation. The conspiracy begins with JPMCB reporting negative information to my consumer report that defames my character and financial reputation. They failed to provide me the proper forms to opt out of having such negative and harmful information from being furnished to my report. They directly or indirectly transferred my nonpublic personal information to third party debt collectors in an attempt to extort me and ruin my life. Because they posted this negative information to my consumer reports, multiple third-party debt collectors gained access to my nonpublic personal information and used it against me to make me homeless, for unjust enrichment. Attorneys XXXX XXXX XXXX and XXXX XXXX XXXX with law firm XXXX XXXX XXXX XXXX XXXX. and attorneys XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX, a licensed real estate broker with XXXX XXXX XXXX started harassing me in connection with collection of an alleged debt, and falsely misrepresented themselves as " representing '' JP Morgan Chase Bank, NA and XXXXXXXX XXXX XXXX XXXXXXXX. These attorneys & real estate agents then unlawfully used public funding to commit fraud and other private crimes, including abusing & simulating legal process under Section XXXX of the Texas Property Code [ under the regulation of HUD ] to prosecute me in a county administrative court for " Forcible Detainer '' which is lawfully intended for a rightful owner of property to recover property they have lawful possessory rights to. They did this with the ulterior motive of acquiring my private property for the first time without ever proving they had lawful possessory rights to the property. They used forged documents to perfect their forged title under the guise of a legitimate " sale '', without ever presenting the court with valid admissible evidence of their claim on the record. They submitted several other forged documents on the public record with intent to defraud me into believing they had lawful authority to prosecute on behalf of national banks pursuant to Texas Rule 12. One titled Limited Power of Attorney and another, Affidavit of XXXXXXXX XXXX The County of XXXX and its agents then allowed all of this fraud to happen by allowing these attorneys to testify as counsel without ever bringing a competent witness to verify their allegations under the penalty of perjury to be cross-examined by me, despite me entering on the record several challenges and objections. By law under Texas Statute a county has the power to buy, hold, sell, and lease property owned by the county. The record does not reflect my private home ever being owned by the county, or for public use, therefore XXXX XXXX should have never allowed private corporate agents in agency to intervene with my property and federally protected civil rights, for personal financial gain. The writ of possession they issued to the constables lacked certification and legitimacy for many reasons, but the most important being it was not signed and it was requested by XXXX based on an order from Judge XXXX XXXX XXXX who was disqualified by law for failing to follow proper due process of sending notice to the Secretary of the Treasury a notice of fiduciary duty, making her judgment null & void. This is proof the County is evading taxes for opening a case [ account ] in my name without my consent and without notice to the Treasury. They are not tax exempt and should be held accountable for their actions. Agents of the county then sent other agents in uniform with weapons to come to my home and use threats, intimidation, and violence to swindle me out of a safe place to call home. These actions by all parties constitute a pattern of Racketeering activity by conspiracy and extortion. JP Morgan Chase, NA has been notified in writing of my request for " validation of the debt '' and audit of the account from its consummation so that they all may remedy their wrongdoings. I look forward to being provided documentary evidence with verified books of account proving they gave me something of value, to justify the fact that I, and all of my belongings were thrown out on the street. If they are unable to provide proof of the accounting records, accounts receivable, and wire transfer receipt in connection with the alleged " loan '', then I was made homeless by negligence and criminality of law, and JP Morgan Chase, NA & all others will be held liable for their crimes of conspiracy, extortion, unlawful taking, financing and collection of extortionate extensions of credit, etc. No just compensation was given to me for the taking of my private property and I am still homeless against the legislative intent of HUD for preventing homelessness. Most of these agents under the color of law have [ or should have ] a sworn oath of office with the Secretary of State swearing to defend and uphold the Constitution, which would mean, by their actions, they are warring against the Constitution for violating my First, Fourth, and Fifth amendment rights. | ||||||
| 06/13/2017 | Yes |
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| On XXXX XXXX, 2017 I reported via phone to the Chase fraud department. I explained to them that my debit card was missing, that there was an unauthorized transfer of funds from my savings to my checking account, and that there were two subsequent transactions that took place after the transfer from my savings to checking account. Those two subsequent transactions were a withdrawal of {$2000.00} from a bank branch as well as a {$280.00} debit card transaction. The amount o {$280.00} was later reimbursed by the bank during the process of the claim. This reimbursement was given when my account was re-secured after it had been determined by the fraud department that my online account had been compromised. My account was temporarily frozen, a new card was issued to me and I set up both a verbal password for when I called in to the fraud department as well as a new username and password for my log in online. The {$2000.00} that was withdrawn from account and my claim of fraud regarding the withdrawal of the {$2000.00} has been denied by Chase bank. I received the letter of denial yesterday ( XXXX XXXX ). After I received the letter I spent two hours on the phone with the fraud department as well as a senior specialist by the name of XXXX. During the claim process on XXXX XXXX, there is recorded audio of me explaining what happened. I also sent four secured emails via Chase website as it was connected to my online account regarding the details of what happened. I went to the bank where the withdrawal took place and spoke with the branch manager XXXX XXXX on XXXX XXXX, the day after I made my claim. I received the address to this bank branch during one of my calls to Chase. I pointed out to XXXX that whoever allowed the withdrawal of the {$2000.00} did not check for a second form of ID. ( My missing debit card was used to make the withdrawal, however my drivers license was in my possession and I 'd hope that someone would have checked to see if the person withdrawing my account was me because that is a lot of money to take out at once ). I pointed out the fraudulent signature on the withdrawal form in my initial fraud claim ( audio and secured electronic message ) as well as to the branch manager of the bank where the withdrawal took place. In my fraud claim through the audio phone call as well as the secured messages I sent online I made an earnest plea to please check my spending patterns ; it was unusual that I would transfer that much money from savings and checking and then withdraw the entirety of that amount from my checking account. I asked them to please check the signatures of previous checks I 'd written and to see that they did not match the signature of the that was on the {$2000.00} withdrawal form. I also asked them to take note that although the transfer was done from my account, it was not done from any of my devices ( desktop or mobile ). I asked them to please check the IP address of the device where the transfer was made. They ( the senior specialist, XXXX ) later told me after the claim was denied that it could be seen that the savings to checking transfer was made from another device other than my laptop or cell, but that it was the same IP address. I do n't believe the statement that it was a different device but same IP address to be true. After my fraud claim was denied, I spent close to two hours on the phone trying to determine why it was denied. I was told by a woman named XXXX ( sp? ) that the amount was below {$5000.00} and that I could not send anything to them to appeal the denied claim because it was below {$5000.00}. I was told that the secured emails I sent via the Chase online platform could not be accessed by the fraud department for consideration. I was told that that I did not initially report the {$280.00} debit transaction ( this is untrue, I did report this amount as fraudulent in my initial audio phone conversation and secured emails sent through Chase online platform ). I was told that there were other transactions made on my account that day. ( This is true, there were transactions that were posted on that date as well as an ATM withdrawal of {$20.00} that I personally did before my card went missing ) I was told that the information I gave regarding my missing card and the compromise of my online account was insufficient. I was initially asked in my XXXX XXXX, audio call about how it might be possible that my account was compromised and I mentioned as thoroughly as I could what I was doing during the time my card went missing : I was eating a meal in my home with an individual who was a friend of a friend and that my laptop was open as well. I have no proof that my card was stolen, only that it was lost. I have no proof of how my online account was compromised ; I only know that it was. I explained these these things on XXXX XXXX in my audio call as well as my secure messages and each person I spoke to in the fraud department ( XXXX, and XXXX ) responded in accusatory tone and language whenever I explained these things. In the end, after I begged them to acknowledge that {$2000.00} was literally stolen from my account and to please help me, they continued to tell me that they were sorry and that there was nothing they could do. I was hung up on in the end end. I called back and spoke to someone different and they told me nothing could be done. Again please help me. This is money that was stolen from me. | ||||||
| 09/02/2022 | Yes |
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| Chase closed my new account for no reason. I had already transferred {$1500.00} of my money to the account. Then they locked it and then closed it without providing a reason and without giving me a way to transfer my money out before they did that. Contacted chase again on XX/XX/2022 to ask why I can't withdraw my money from the ATM, was told by the first representative that it is restricted and going to be re-opened, given a second chance. Then they transferred me to a representative who said he couldn't unlock my online access, I said I need to pay my credit card which is due soon, they said it was not possible, asked to speak to a manager supervisor, manager supervisor put me on hold, told me they couldn't tell me why my account is closed, told me I could not get my XXXX $ from the branch. Representative was very unhelpful and claimed to be a manager/supervisor in the fraud department XXXX however an hour earlier I spoke to a very helpful representative from the fraud department who said my account would be re-opened. This 2nd manager supervisor said that the first agent gave me false information. At this point, I am beyond frustrated and confused as I have two representatives from their fraud department telling me completely conflicting information. The second agent refused to tell me why they are closing my account, I wanted to inquire why as I had not done anything wrong or fraudulent and literally put {$1500.00} of my own money into the account that I need access too. Money which is now restricted/frozen and I am unable to use which I need to survive and pay daily bills/rent/food/credit cards. Absolutely ridiculous. The second agent said they could mail a check which would take 7-10 business days, that is ridiculous in my opinion. If I hold money in a bank, like anyone, I excepted to be able to take it out in case I need it, not for it to be frozen/restricted, and held hostage, with the only way to retrieve it is by unsafe sending measures with USPS and having to wait what could be over two weeks or more with USPS delays along with the risk of having it stolen or lost in the mail. I spent over 90 minutes on the phone with them today, mostly on hold, getting completely conflicting information from different representatives. A few days ago, after I filed my CFPB complaint, an associate from the executive office called me and told me they received the complaint and are reviewing it, and left my his name and extension. I asked the 2nd fraud specialist who claimed they were a supervisor/manager to call them and put them on the line. They put me on hold, and then said that they were unable to answer the phone. After a while, of the fraud specialist manager refusing to answer any of my questions, and refusing to let me access my money, and take it out of the bank, if the account was so called closed ( as they claimed ) / ( However the first specialist said they were re-opening it. I was getting extremely frustrated and angry. Imagine if you had {$1500.00} budgeted for the week from your work paycheck, and suddenly someone takes it away and practically steals it from you, keeps it hostage. This should not be legal. If a customer has overdraft, or issues with their bank, a returned check, or they fall below balance, or they are late on credit card payments, they are assessed heavy fees by multimillion dollar banks against hard working low income people. However if the reverse is true, the banks are not held accountable at all, they can steal someone's {$1500.00} paycheck after they open an account with the bank, and restrict access to someone's money without providing a sufficient reason as to why. Why are they not assessed fines and penalties for doing that to consumers? Vice-Versa a consumer is assessed penalties for the simplest of actions, such as falling below a minimum balance. After the call, I attempted to call the executive office contact myself, however it was late in the day and I reached their voicemail. I called the executive office line and spoke to a nice representative who listened to me and understood my case and seemed to have sympathy for my concerns, he said he would relay the information to the contact who is handling the case, the initial XXXX representative who contacted me, and gave me a case number. I will try to reach the XXXX representative again tomorrow with my case number in hopes of getting some more information/resolving the issue, however having a full time job during the day and morning, this is an extremely frustrating and stressful situation to have to be spending so much of my time on. Ideally I would like to sort out why the fraud department wants to close my account and our thinks something with it is fraudulent when there is no actual fraudulent activity at all. Is it not a legal requirement to provide such information to a banking consumer whose money is being restricted access to? How can someone purse legal action over this. Ideally, it would be great if what the first representative mentioned, that they would re-open the account, as what he referred to as a second chance. However, I'm not entirely aware of the why I need a second chance in the first place. I really hope someone at the CFPB or FDIC can help me. I was hoping these organizations exist to help consumers from such actions. I can not even log in to my online bank to pay my credit card with XXXX which has no relation to this account. | ||||||
| 06/12/2019 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV [ XXXX ] Account Number : XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2019 RE : Fraudulent Information Sent to Credit Bureaus & Rejecting Binding Arbitration On XX/XX/2019 Chase Bank received a lawful Tender of Payment from me. i then started receiving harassing phone calls from Chase Bank to collect a debt. i filed a complaint with the CFPB stating that Chase Bank was violating the Fair Debt Collection Act. In the response Chase Bank told the CFPB that they were within their policies. What policies? Do your policies override that of the Fair Debt Collection Act? Are your policies above the law? Chase Bank then went to the credit bureaus and changed the name from Chase Card to JPMCB card. Chase provided this name change without my consent or acknowledgment. On XX/XX/2019 i receive a letter through USPS from chase notifying me that my agreement was assigned to JPMorgan Chase Bank as successor by merger to Chase Bank USA. Within this document Chase Bank or JPMorgan Chase Bank is attempting to re-contract me after they closed my credit card account again without my consent. In the document under ARBITRATION AGREEMENT it states This arbitration agreement provides that all disputes between you and Chase must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement you GIVE UP YOUR RIGHT TO GO TO COURT ( except for matters that may be taken to a small claims court ). Arbitration will proceed on an INDIVIDUAL BASIS, so class actions and similar proceedings will NOT be available to you. It goes on to say, In arbitration, your right will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY. The Procedures in arbitration are simpler and more limited than rules applicable in court. Arbitrator decisions are subject to VERY LIMITED REVIEW BY A COURT. Does a bank have the authority to contract me, a women of flesh and blood, XXXX XXXX into giving up my constitutional right? Are you, Chase Bank/JP Morgan Chase Bank claiming to be above the constitution? If so, provide me with the law that states a bank is allowed to contract we the people into giving up our constitutional rights. Provide me with the law that states a bank is above the constitution. Provide me with the law that states a bank is above we the people. Furthermore, can a bank create a binding agreement/contract with no signatures? Currently i am in a dispute with Chase Bank/JP Morgan Chase Bank. i paid Chase Bank in full back in XX/XX/2019 yet they continue to tell the credit bureaus otherwise. After filing a complaint with the CFPB Chase Bank told the CFPB that the payment i provided was not legal. This is a false statement. By telling the CFPB that what i provided is not legal Chase Bank is stating that i am in some way breaking the law. i believe this is Chase Banks attempt to instill fear in me by making me believe that i am doing something wrong when in fact the Tender of Payment i provided is lawful and supported by The Federal Emergency Relief Act of XXXX. Not only is the payment i provided to Chase Bank lawful but Chase Bank accepts the payment as shown in the back of their billing statement. If the Tender of Payment is rejected then it must be submitted back to me within five [ 5 ] days with legal reason as to why it is being rejected. Chase Bank also states in the back of their billing statement that if a payment is rejected they will send it back to me and not cash it or destroy it. It has been 75 days and the Tender Of Payment has not been returned. If the Tender of Payment is rejected then the debt must be discharged. Therefore if the payment was not returned, and the payment is lawful, and Chase Bank accepts the payment then there is no debt. So why are you providing false information to the credit bureaus? Why did you tell the CFPB that the payment was not legal when in fact it is? What am i in debt to you for? According to XXXX XXXX XXXX XXXX XXXX vs XXXX XXXX, 284 Minn.567, 171 N.W.2d 818 ( XXXX ) a bank can not be a lender for a bank has no money so where did the money come from? Is the reason you want to contract me into giving up my right to take you to court due to the fact that you are knowingly breaking the law and you want to prevent me from taking action against you, that is guaranteed by the constitution? Honor the law, and honor the Tender Of Payment, discharge the debt and provide the credit bureaus with accurate information and i will not take legal action. What rights exactly are you trying to take away from me with the arbitration binding? Why have you given yourself the power to chose the arbitration settings? Must i remind you JP Morgan Chase Bank that you are a bank and have no authority over me. Must i remind you that it is you who is under oath to uphold the Constitution of the United States and of Nevada. I XXXX XXXX XXXX, woman of flesh and blood, XXXX XXXX, do not waive any of my rights. I reject your arbitration agreement. I deny any of your accusations that I am an indentured servant to you, you are the one under oath to uphold the Nevada Constitution and the United States Constitution. XXXX XXXX XXXX NOTICE - the address you submitted the paperwork to is not my address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV [ XXXX ] ). My mailing address is the one presented above. | ||||||
| 01/06/2022 | Yes |
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| On XX/XX/XXXX I filed a dispute with Chase XXXX about a purchase I made on XX/XX/XXXX with XXXX XXXX XXXX. We spoke for XXXX minutes and they advised me of the process and explained that they credit my account right away but they don't take action to obtain funds for merchant for 30 days while they investigate. I spoke with my merchant/vendor/contractor at XXXX XXXX XXXX and they advised me it was the window vendor 's fault that the sliding class door had not been ordered on XX/XX/XXXX it was the vendor and not the contactor XXXX XXXX XXXX, that was responsible for the error and delay. I spoke with my contractor who requested I cancel the dispute as the door was ordered on XX/XX/XXXX. On XX/XX/XXXX Chase took the funds back from the merchant/contractor - 9 days after my dispute- despite being advised no action would be take for 30 days. I am attaching the screenshot from the contractor bank- which happens to be Chase the same bank that they XXXX card is through. You can clearly see through the transaction id # that the credit on XX/XX/XXXX and the debit on XX/XX/XXXX where the same VISA transaction from my VISA. On XX/XX/XXXX I called the Chase Visa dispute line at XXXX and asked for information on what happens if I cancel a dispute - if I can file again and how long it takes for the merchant to then receive the credit back. I was told VERY clearly that the credit back to the contactor/merchant would take a " few '' days AND if I ever needed to re-dispute I couldn't do it online but I could send it in and they could still file it and return my funds. Based on that information I elected to cancel the dispute as I was able to verify with the door vendor that the contractor actually placed the order for the door. 2 weeks passed and the contractor informed me that they still had not received the credit back on their account and had NEVER even heard anything from XXXX or Chase. I called Chase XXXX dispute and asked what was going on as 2 weeks had passed and my account had again been charged the {$6200.00} and the contractor had still not been re-credited. They told me that I got misinformation - which they apologized for and that the credit takes 45 days to go back on the contractors account from the time the dispute was placed and it was set to go back on XX/XX/XXXX. XX/XX/XXXX comes and the contractor still does not have the credit back. I call Chase XXXX dispute and they tell me AGAIN that the last person gave me incorrect info and that the dispute doesn't have a certain number of days but that they did release the funds to the merchant/contractor on XX/XX/XXXX. They state that the contractor did reply to their request on if the claim was valid on that date and that was also the very same date they released the funds back the contractor. I advise Chase - contractor has never heard from CHASE and they still don't have their funds that are going into their Chase account. Chase XXXX tells me that it can take up to 45 days for the bank to credit back the account even though my visa is Chase and contractor 's account are Chase. I ask to speak to a supervisor and file a formal complain and they tell me at that time there is no-one really to complain too and I am out of luck. So I clarify and say so my account is charged XXXX and you can not provide me any proof the bank was credited and they say that is correct. So they will not provided me with any reference number for the contractor to call his bank- which is Chase - My XXXX and track the funds. I say this is ridiculous how can I just dispute again and get my credit and pay him a different way. Then they inform me that info they gave me is also incorrect - if I re-dispute I will not get my money back as they have released the funds back to him. Which they will not provide any proof or tracking information. At this point I am in tears and can't believe Chase could care less that I am just out XXXX and they are holding the money so I take a day break. I call back on XX/XX/XXXX and talk to a XXXX- she puts my fears at ease and says I am sorry they gave you the wrong info but the recredit back to your account comes 45 days after you cancel the dispute and not from the initial dispute. So wait until XX/XX/XXXX and the contractor should be credited and if not they can put in a back office request and track the money so the contractor can get it. Today I get a call from Chase XXXX and they tell me again the last person gave me wrong info and they will be coached but that the the 45 days is from when XXXX credited back the contractor bank which they say was XX/XX/XXXX. Remember the contractor bank is also Chase. And I now have to wait to XX/XX/XXXX for the funds to be credited and even if they aren't by then I have no recourse- I still paid Chase XXXX XXXX and they will not provide my tracking info AND if I write a dispute I still won't get my money back. SO here I am out XXXX and Chase wont provide my tracking info verifying the credit back or let me re-dispute and won't provide any proof they talked to the contactor. Who vehemently claims Chase has never contact them. Every Chase employee lied to me and misled me on the process and it is their fault I am out XXXX and the contactor doesn't have their monies. I really need help. This is fraud and negligence- Chase can not give false misleading information that consumers base their decisions on. I also deserve to get tracking on the refund. | ||||||
| 03/26/2020 | Yes |
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Web | Older American |
| Summary : I need and expect 1 ) To be provided by Chase written verification that I have a complete copy of the closing documents they retain on file in my account, and 2 ) To have Chase send to me with that letter in a single and complete package that consists of a complete copy of all the documents from my XX/XX/XXXX mortgage closing that are reproduced in their entirety and properly printed so that the entire content of the documents are displayed. This is necessary because of the numerous errors, improper printing of documents sent, plus the failure by three representatives to identify and provide all the documents. *** At this point I am no longer confident of receipt of the complete mortgage closing document without these two items. I want to receive this information from Chase within one month of this complaint received by Chase or a time frame you consider reasonable. If additional information is needed I can provide other details to process this complaint, including sample photos of improperly printed documents, dates when worked with representatives, list of documents incomplete and improperly printed, number of times improperly prepared documents sent, etc. Background I misplaced the original of my Chase mortgage refinanced under HARP. In XXXX I contacted Chase customer service to have a hard copy sent to me. To date I have worked with three individuals -- two in customer service, one at a branch in OH. I have yet to to receive all the documents that comprise the documents at closing ( XXXX XXXX ). The initial mailings of the documents from the e-copy of the original were incomplete or not printed properly. Every time I speak to a Chase employee I discover that there is still a document I have not been sent, although twice I have been told everything has been sent. To date, XX/XX/XXXX, I still do not have all the documents in hand. And can not be certain until I receive confirmation of that from Chase. ( All three Chase employees have told me I do have them and they were incorrect. ) On XX/XX/XXXX I called and left a message at the complaint number provided by a Chase customer service representative ( XXXX ) to explain about the problems encountered. No reply. In addition to needing to have a complete copy of the mortgage closing documents, if I sell my house I need to be certain I have all the information needed for the sale. One of the Chase representative 's told me if that becomes a problem I can work with Chase 's legal department. I let her know that was not acceptable given the problems encountered to receive a complete usable copy of the documents from my XX/XX/XXXX closing. The last person I spoke assured me that I will have all the documents associated when I receive the mailing she sent yesterday. Because of the numerous errors I told her I wanted a letter from Chase verifying that I have been sent a complete copy of the e-file representing the original scanned by Chase and associated with my account. I was told Chase will not do that. To paraphrase her reason : I am asking for Chase to confirm that those providing the documents have done their job, that might have to go through the legal department, and even so said Chase would not send such a letter. I told her I needed to know I had all the files and pursued other means to be certain : 1. I asked to be sent by email all the .pdf files that comprise the original closing documents as I had received some from another. She refused saying that she can not access those files* and that is not allowed**. When I told her someone else had sent some she still refused to send the files and noted she can not access them. 2. Again, I ask for the letter from Chase confirming I have been sent a copy of all the documents. She refused to pursue such a letter. 3. I was offered the option of of her accessing the very e-files she told me she could not and sending me a letter listing all the documents so I could check that list against what I have on hand. However, as of XX/XX/XXXX, I was informed that to do this she had obtain permission to send me the list and would know by XX/XX/XXXX. She speculated that if the letter was not approved Chase might opt to print out and send them. I indicated that based on what has happened so far, could very well result in another set of incomplete, improperly printed documents with no assurance I have a complete copy. NOTE : I agreed to receive this letter but can not be certain that it will be accurate given the numerous inaccuracies to date. I prefer the resolution mentioned in the complaint summary. * I was told that Chase branch offices can not access the files although other Chase customer service representatives must have access to print out the documents, beginning with the person I spoke with at the end of XXXX and sent me the initial incomplete mailings. ( Contacting a branch was suggested by one of the other representatives with whom I have worked ) ** One of the customer service representatives did send me password protected .pdf files because after two - three attempts the documents were still not complete or improperly printed ( i.e., not sent, missing pages or printed so as not not provide the complete document on the page ). *** This complaint is not directed at any Chase employee but at Chase 's failure to handle and process a request and reproduce documents in a timely manner and enable its staff to do so. | ||||||
| 02/01/2023 | Yes |
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| I was recently reviewing statements for my XXXX XXXX credit card that I have through Chase and identified a concerning trend in which they have been overcharging me interest on purchases made on my credit card in the months following promotional balance transfers. Here is a timeline and explanation of what has occurred : I made promotional balance transfers in XX/XX/XXXX and XX/XX/XXXX for {$8000.00} and {$15000.00}, respectively. There were {$400.00} and {$600.00} fees associated with those transfers. Subsequent to those transfers, in the months between XX/XX/XXXX and XX/XX/XXXX, I have been charged interest on balances that do not appear to correspond to the actual purchases I have made that are not subject to the promotional interest rates. As an example, in XX/XX/XXXX I paid off my previous balance in full and incurred new charges of {$570.00} and fees of {$400.00} ( associated with the promotional balance transfer of {$8000.00} ). This corresponded to a new balance of {$8900.00}, of which {$970.00} would have been subject to interest in XX/XX/XXXX if not paid off before the statement closing date. In XXXX, I made purchases of {$2400.00} and had statement credits and made payments totaling {$500.00} before the close of the statement. The {$2400.00} purchases should not have been due until the close date for the next statement. Therefore, only {$470.00} in purchases should have been subject to interest in XX/XX/XXXX. However, Chase reported {$1700.00} as subject to interest for the next statement. In that month, it seems that Chase either charged me interest on : ( 1 ) a balance that I had already paid off, ( 2 ) a balance that was not actually due yet, ( 3 ) a promotional balance that should have had 0 % interest until XX/XX/XXXX, or ( XXXX ) a made up balance. This same issue has happened in nearly every month between XX/XX/XXXX and XX/XX/XXXX with an average of {$1500.00} excess balance that I was charged interest on. Furthermore, in XX/XX/XXXX, I attempted to pay off most the entire balance that Chase reported as subject to interest in my previous statement ( {$2500.00} ; reported in the XX/XX/XXXX statement ), as well as all purchases that I had made in XXXX ( {$1700.00} ), for a total payments and credits of {$4100.00}. This value was only ~ {$250.00} less than those combined balances. In the next statement, I was still charged interest on {$2100.00}. I can think of no conceivable explanation based on the information that Chase provides me in my statements other than that they have been charging me interest on promotional balances that should not be accruing interest. Additionally, Chase 's credit card statements appear to be purposefully designed for maximum confusion. I still have not figured out how to determine the amount of money that would be subject to interest in a subsequent statement period using the statements provided to me by Chase. My earnest attempt in XX/XX/XXXX to avoid getting charged interest was completely unsuccessful. I will attach my credit card statements from Chase for the period of time discussed above, as well as a summary table that shows the previous balances, payments and credits, purchases, balance transfers, interest assessed, fees, and new balances from each month ( XXXX XXXX XX/XX/XXXX ). I have included in the table the balance that Chase reported as being subject to the standard interest rate for purchases. Based on the values in my statements, I've tried to calculate the actual balances that should have been subject to interest based on the purchases and payments made in each statement. I've also calculated the interest I should have been charged based on those calculated balances and the amount that Chase overcharged me. For example, in XX/XX/XXXX, I calculated the amount of interest that should have been charged on the {$470.00} balance at {$8.00} ( in the column titled " XXXX XXXX '' ) and the overcharged interest at {$22.00}. In subsequent months, I've subtracted the overcharge from the previous month from the actual balance ( see column " Actual Balance Minus Interest Overcharge '' ) to try to account for the additional compounding from overcharged interest over time. Between XX/XX/XXXX and XX/XX/XXXX, I have calculated that Chase overcharged me a total of approximately {$460.00} in interest. I am deeply disturbed that this would happen and was not caught by anyone at Chase working on my account. I contacted Chase on XX/XX/XXXX to try to resolve this issue or have them explain to me how I was incorrect in my calculations. I requested that the provide me with documentation showing how and why the balances subject to interest were assessed. They responded later in the day on XX/XX/XXXX with a relatively generic message that neither addressed my questions nor provided me with any information that I could use to understand or resolve the issue I encountered. They offered to provide me with the terms of the promotional balance transfers, but I did not take them up on that offer. These documents are long confusing diatribes full of legalese and jargon that seem to be specifically designed to confuse customers so that they will inadvertently incur unnecessary fees and interest when merely trying to optimize their finances. Based on the unhelpful initial response from Chase, I am doubtful that any further correspondence with them from me on my own would yield an appropriate response. | ||||||
| 07/21/2020 | Yes |
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| During Covid-19, our state was included Shelter-place order when I sold one of property that belongs to me and my husband. We have been banking with XXXX XXXX XXXX XXXX for almost 3 decades, and the nearest branch they had was in XXXX, NC, which was 4 hours away. We wanted to have an account with a bank with a local branch, so we picked Chase Bank. When we set up the accounts online, we had to transfer amount into the accounts because the local branch was closed due to Covid-19. Chase banks accepted our transfer deposits, but a week later we received a letter urging us to contact their Fraud department or they will close our accounts. We contacted Chase Fraud department asap, spent about 30 minutes on hold and additional 10-15 minutes verifying myself to them, I then was told abruptly that they are closing my accounts, citing they can't disclose reason. They also told me that I should receive my money from the accounts 5-7 days via mail. That was XX/XX/2020. I also received a letter from Chase to verify this, that the accounts were closed, and I will receive my money via check via mail soon. I waited for my check from Chase for over two weeks - trying to give the XXXX a chance due to delay from Covid, before calling and reach out to Chase on XX/XX/2020, after waited for over 2 hours on the phone, spoked with varied operators and was finally transferred to their fraud department, was then told that the check was never mailed out, and the Fraud department told me that I have to go to local branch in person with 2 verification/ID, then Chase will cut me a cashier 's check that day. I was at my summer house that week, so I traveled back to their XXXX branch, spent another 30 minutes on XX/XX/2020, met this Junior bank officer XXXX XXXX and her supervisor, XXXX XXXX, in-person that day, I was told that it will be hours before they can find out what's going on, was told that they will contact me asap and I reluctantly left their office and went on my previously scheduled vacation believing that they will call or email me the status as they've promised. I came home from my vacation on XX/XX/2020, went straight to the local branch after not hear back from anyone from Chase since XX/XX/2020, after spending another 2 hours in-person with the local banker officer XXXX XXXX - was got assigned on the last minute to work with me on my case from scratch. XXXX XXXX was definitely most helpful, with getting through the rounds of transfers and holds, and we were told that now we'll need to supply a faxed in statement of my bank statement from accounts of XXXX and it'll be reviewed for another 24-36 hours, and then I'll need to go through the same one number, on hold for hours, before they will return me the money. Luckily my husband XXXX XXXX was present and we were able to pulled up our account statement, downloaded and XXXX XXXX was able to fax-in to their Fraud department within minutes that day. This was Friday, around XXXX, on XX/XX/2020. Before leaving the branch, we've made another appointment with XXXX XXXX this morning Tuesday, XX/XX/2020 XXXX am at the XXXX branch, once again appear in person, making another attempt get my money back from Chase bank. Come Tuesday XX/XX/2020, XXXX XXXX, days after XXXX XXXX submitted the requested paperwork via fax, Chase Fraud department now require me to submit another bank statement - citing me being the victim of identity theft. XXXX XXXX was very calm on the phone with his fraud department, advocating that I am not fraud and he spent another 30 minutes going through the previous submitted statement paperwork line by line, to prove that they've had all the information they need. I have recently received my report from the Chex system before today 's meeting, along with my credit report, there were absolutely no mention of any identity fraud on any of the reports. I asked them to give me an answer for them to close my account, they couldn't and didn't respond to my request. I was then told that a check will be out and I should now expect it to arrive in two weeks. Not trusting Chase Banks once again, I've made another appointment with XXXX XXXX to follow up on the status of that check - by XX/XX/2020. I am concern that Chase have now hold my money for over a month now, with no penalty, and still don't know when they will return my money. Chase Banks created an illegal excuse of security/identity fraud to close the new customer 's account without probable cause and try to hold their money indefinitely by making it as difficult as possible, for the clients to retrieve their money, This shouldn't be legal, and Chase Banks is being dishonest and try to steal and keep everyday peoples ' money. Chase banks closed my account since XX/XX/2020, without reason/cause, and have kept my money since and refuse to return the money. Today was the first time I found out why I was treated like a criminal, with their baseless accusation of me committing identity theft without any evidence. Had I not be able to go to the branch in-person, without XXXX XXXX 's help, Chase would have been able to keep my money for even longer period of time. No one should trust their money with Chase banks, because Chase will try to keep the money by using gratuitous rounds of attempts to waste the consumers 's time after spending hours on Chase 's one customers ' service time that filter all calls, making it impossible to get any result. | ||||||
| 07/18/2023 | Yes |
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| I am a member of a credit union. I also have an associate who is a Mortgage broker. I decided to try to purchase a home for the 3rd time with JPMorgan Chase after Lending Advisor XXXX, insisted I qualified for a first-time buyers program called the XXXX in which I would receive a $ XXXX {$5500.00} grant ( {$5000.00} & {$500.00} for Buyers education course completion ). This is advertised on their website-without exclusions or other specified stipulations. Neither the credit union or the Mortgage broker could offer such an incentive. At the time of my application ( XX/XX/XXXX ) my credit scores were XXXX, XXXX, XXXX. I was told I was considered low income by the XXXX so the home qualified for the full {$5000.00} grant. The interest rate offered to me was 6.875 % on XX/XX/XXXX when I found a first home to place an offer. The discount points I was told to be purchased was 0.951 % at $ XXXX which would be deducted from the {$2500.00} being offered by Chase XXXX Due to an internal offer my offer was declined. On XX/XX/XXXX another home came up and I offered {$220000.00} over their asking price of {$210000.00}. On XX/XX/XXXX, my offer was accepted and I was told I would receive a Seller Credit ( on page XXXX the ratified contract ) of {$500.00} for a broken dishwasher in the home. However On XXXX XXXX I sent the {$2500.00} XXXX. On XX/XX/XXXX I received my first loan estimate- which now showed me paying in excess of {$5700.00} for 2.678 % of the loan amount to buy the interest rate down to 6.75 %. The closing costs exceeded my available funds and I reached out to XXXX for advisement. After discussion, she revised the Loan Estimate and on XX/XX/XXXX, sent me another Loan Estimate which showed me to pay {$7900.00} loan points at 3.299 % to bring the interest rate down to 6.5 %. Again, I was dismayed and consulted XXXX. With the 10-day financial contingency period coming to an end ( XX/XX/12 ) I texted and emailed XXXX that XXXX numbers were continually going up despite her assurance that they were being worked down. I began to panic as all the costs still reflected exceeding my budget. I asked my job for a raise and they granted it. I emailed XXXX and called between XXXX XXXX until she finally called me on XX/XX/XXXX to discuss. I continually asked her why I could not go without buying any interest rate points and just take the higher monthly payment until I could refinance with my credit union. I kept asking her to remove the points all together and send me a loan worksheet with the higher monthly fees. She refused. I told her that I could secure a conventional loan without the XXXX. I could not understand why this was being forced on me. I asked her flat out, if the numbers were being manipulated- why they were not being adjusted to come in at what I actually could afford or lower than the cash on hand. She finally let up and changed the amounts and sent me a loan estimate of showing I would pay {$7700.00} for 3.239 % of point deductions- making the interest rate 6.49 %. Fed up, I decided to get current rates from both my credit union and the Mortgage broker- who both informed me of the going rates being 6.875 % without points. They showed what they charged for each point and confirmed that what I was given was overcharged and underrecorded. The {$5500.00} incentive was not actually being applied to anything other than washing out imaginary points purchase that was not buying down the rate as represented. I was informed by XXXX that underwriting told her that I could not have the {$500.00} seller credit because it lowers my downpayment to under 3 % of the program required amount. However, they {$500.00} for the dishwasher was explained to be removed from the purchase price of {$220000.00}. I went to a Chase branch on XXXX XXXX the branch manager XXXX XXXX XXXX XXXX times before reaching her. I asked her again why I was being forced to buy points I could not afford, why she refused to address removing them altogether. She still sent me a closing disclosure that same day with me purchasing the loan points of {$4700.00} at 2.217 % but the interest rate at the original 6.875 %. I reached out to her manager XXXX XXXX on XXXX XXXX he called me back and told me that Chase could not lend comparable to the other Mortgage lenders. He said that I could cancel and offered no other solution as I was not going to receive the {$5500.00}. I went to the nearest Chase bank to remove all funds from my accounts and end the business relationship, when a very helpful employee decided to take a look at each document I had received and called an escalation. She spoke to XXXX XXXX and asked him each question I had. She received much clarification on my behalf and explained that the numbers were incorrect on the closing disclosure, that the {$5500.00} was not an actual amount I would receive towards closing costs or down payment as Chase was taking that amount. However, she asked XXXX XXXX why was it reflecting that I was purchasing points but not reflecting a lower comparable rate or the rate reflecting on Chase 's website. She had me email him the estimate and email of current rates from both my Credit Union and Mortgage Broker- which both matched a current rate of 6.875 % without points. He said he would review and then see what they can offer for me to make a decision. I see this as steering, predatory lending, price gouging, and dishonest practices. | ||||||
| 09/16/2018 | Yes |
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| In XX/XX/XXXX I got bailed out. The bonds agent never got an sign and copy of th agreement bc I kept getting forced out of th site after the first half so I told the bonds company and they told me that the agreement can only be filled out via online or in person by going to downtown XXXX. I told them I could not do it they could mail me out a written agreement to fill out and they explained that online is the only way of filling out the agreement. Yes there is a signature and initials but that is bc at the beginning of the application it makes you input a signature and initials so even tho my signature is on it by default, the XXXX XXXX XXXX representative informed me that the agreement is incomplete ( and since its not completed that I would not get a copy of the agreement unless I filled out the agreement completely. In my defense, its not my job to get a completed agreement before the trial is over. My case was seen and has been over since XX/XX/XXXX. Therefore the bail is revoked and no longer in good standing since I dont have to report to court. Since they failed to get a complete agreement and failed to collect before my case was over, there is and was no agreement of any sort except for that first initial payment bc I did not get a copy of the partial agreement so therefore since I have wasnt able to fill it out completely and my signature is on it XXXX XXXX XXXX most likely added the financial aspect in the agreement but unfortunately since I never received a copy they could have inserted any number to any duration since the agreement comes per-signed and initialed. Since obviously its there wasnt an agreement to take out transactions from my account automatically every month due to the fact the original charge was in XX/XX/XXXX and there was no charge on my account for XX/XX/XXXX and XX/XX/XXXX and then in XX/XX/XXXX they informed me that I needed to make a payment but I told them that I already closed the case and therefore wasnt help respondsible since I have no more court apprearance and NOT TO CHARGE MY ACCOUNT BC I DO NOT HAVE THE FUNDS IN IT. She agreed and told me to contact them when I was ready to make the payment and I agreed. But due to the fact I did not have the funds still the next day I didnt not contact them and they proceeded to charge my card for {$300000.00} and another {$100.00} to make a total of {$500.00} that I neve authroized nor are there signed recipes nor did I get a bill or invoice so this is not a billing issue like chase keeps telling me since I didnt receive a bill and there was no signed agreement so XXXX XXXX XXXX I BELIEVE COMMITED FRAUD AND CHARGED MY CARD UNLAWFULLY FOR A TOTAL OF {$500.00}. And without a completely filled out with agreement and not charging my card consecutively every month ; there is as no automatic payment agreement. And for chase to approve the charge supposedly after they investigated it. What kind of investigation work involves no physical proof is in the signature on the receipt or the completely filled out agreement with my acknowledgment of the agreement. Because according to Chase his policies they are only allowed to approve transactions that were signed by the client or transactions that were processed through the individuals private pin number or if they had a signed agreement of a automatic payment to occur I asked Chase for all and any of those three to see how they approved the transaction and they could not develop anything of that sort. Because there was none. Therefore I also THINK THAT CHASE IS FRAUDULENTLY KNOWINGLY APPROVING THE CHARGES TO XXXX XXXX XXXX WITHOUT ANY PHYSICAL PROOF OF ANY AUTHORIZATION THAT WAS GIVEN TO XXXX. I informed chase that they were wrong and i wanted to see the receipt and then They turn around and tell me that it is a billing issue so therefore I myself have to deal with it with the merchant but unfortunately to their efforts this is not a building issue because I did not receive a bill nor an invoice so this is not a billing issue. And a chase representative that I talk to also told me this is not a billing issue it is a fraudulent transaction issue since there was a fraudulent transaction that was occurred without my authorization. And due to both companies and competency and non-diligence Chase took it upon themselves to cancel my checking account and report me to their fraud department as if I was trying to commit fraud by saying that they were committing fraud when I was told by the representative that it was a fraudulent transaction and therefore I filed it as of Friday due to the fact the representative told me to so I was doing as Chase told me and yet I got punished for doing so and for them allowing The bill bonds to unlawfully take my money and not do any real investigation to it otherwise they would see there is no agreement because I dont even have a copy they told me that I need to fill out the agreement if I wanted a copy and theres no signature to a receipt and I know I wasnt there to put in a pin so how was that a authorized transaction. The bill bonds to unlawfully take my money and not do any real investigation to it otherwise they would see there is no agreement because I dont even have a copy they told me that I need to fill out the agreement if I wanted a copy and theres no signature to a receipt and I know I wasnt there to put in a pin so how was that a authorized transaction???? | ||||||
| 01/21/2021 | Yes |
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| On XX/XX/XXXX I called Chase to discuss my difficulty in making the regular scheduled payment. From the time I made the call to when It was completed, the time length was 1 1/2 hours. I first spoke to XXXX ( did not get her ID # ), then spoke to a XXXX ID # XXXX, then spoke to XXXX, ID # XXXX who finally was able to help me. She explained to me the two programs they have to offer. One was to defer one month payment, the other was a 5 year relief program. I chose the 5 year program. She told me that the interest rate would be lower, no fees, the account would be closed and paid off in 5 years. She then put me on hold and came back to say she had good news that the interest rate would be 0 %. She also asked me what payment amt would I be comfortable with, and I told her {$150.00}. She then asked me for my income and expenses. I told her I was not at home and would not have the exact figures, she said that would be OK. After I gave her the figures, she put me on hold, came back and asked what we pay for in health insurance. Not sure why she asked me this as it is already a deduction out of our paycheck. I also explained to her that I had figure our income wrong. I was figuring income based on 2 checks per month for each of us, when we really get 26 pay checks, not 24. She seemed to be confused on this, and left it as what had given her. After another hold, she came back told me I was approved, but the payment would be {$160.00}. I told her that would work. She then said she was going to pass this on to her supervisor for final approval. She then came back and said we were not approved, that our expenses are more than our income. I told her that was incorrect, and would be because of how I figured the income. She then transferred me to her supervisor. After waiting on the phone, still connected no one came on the line. This all took an hour & 15 minutes. I then called back got a XXXX ID # XXXX explained everything & how I was on hold and the supervisor never came to the line. She explained that they have a new phone system and would make sure her supervisor would come on the line. She tried to transfer but it was a bad connection. I then talked to a XXXX ID # XXXX in collections about how XXXX handle the process, told me I was eligible, then not eligible. Not correcting the income I explained to her. She said I would have to call customer service in 30 days to reapply for the relief program. So at this time I took a deferral for XXXX payment. My next payment would be due XX/XX/XXXX. I then called back on XX/XX/XXXX to discuss again our difficulty to make XX/XX/XXXX payment. But did not want to get 30 days behind. I first talked to XXXX ID # XXXX, explained why I was calling and we started talking, then the call disconnected. I called back talked to XXXX ID # XXXX, the call disconnected again. I then thought maybe it was my cell phone so called using my land line phone. I called back the 3rd time, talked to XXXX ID # XXXX, told her why I was calling and said there should be notes in the system from my call with XXXX ( the first one I talked to ) there were no notes. The call then disconnected. I called back the 4th time, on my land line, talked to XXXX, ID # XXXX and again the call disconnected. I then called XXXX on the same day, XX/XX/XXXX, the # I received from XXXX who was working on the first complaint I sent. I entered the 10 digit extension as it requested, I then received a message, " not a valid entry ''. I called back, enter the ext again, recevd the same msg, but stayed on the line and got XXXX voice mail. I left her a message to call me. I then called back to the XXXX, did not enter the 10 digit extension and was able to speak to XXXX. I explained to XXXX my frustration. Calling trying to figure out help with our payment, called 4 x 's and every call disconnected. I told her someone could have called me back. She said that the number is not saved, unless in the conversation it was given to one of the reps to look up my info. Which it was given to the first person I talked to, which was XXXX, ID # XXXX. She said that she would leave a message for XXXX. I never did receive a call back from XXXX. I also shared with XXXX all the phone calls I received from Chase and how this is harassment at the least. Below are the following calls I received from XXXX. 13 calls in a 3 day period. then again today 4 calls, with two of the one after the other. If I am not mistaken it should be no more than 3 calls in a week, may not call repeatedly. She apologized and said she would definitely have XXXX call me. Which she never did. XX/XX/XXXX - XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX, XXXX - 5 calls XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ; XXXX, XXXX - 5 calls XX/XX/XXXX - XXXX, XXXX, XXXX - 3 calls XX/XX/XXXX - XXXX, XXXX, XXXX - 3 calls XX/XX/XXXX - XXXX, XXXX XXXX twice ), XXXX - 4 calls XX/XX/XXXX - I talked to XXXX, who is in the department that was reviewing my complaint. I told him how XXXX was not returning my calls. He apologized and said he was now handling my complaint. I also explained to him my frustration with the customer service. Not being able to speak to someone regarding my payment and the repeated phone calls. Chase makes it next to impossible for the customer to get any help at all. Then harass with multiple phone calls, 13 calls in a 3 day period, with calls coming in one after the other. | ||||||
| 06/19/2021 | Yes |
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| On XX/XX/XXXX of 2021 a friend of mine who is on unemployment was between her Banks and she asked if I could cash your check for her and I said sure I can deposit it but the bank might put a hold on it but she was fine with. So I went ahead and deposited the check. I was told the next day that my bank account was going to be closed and that I needed to call the loss prevention office. I waited on hold the first night from XXXX until XXXX when the phone system came on and told me that they were closed and hung up. I called the following day and spoke to someone who said that because of the situation and I had called and explained they would not close my account but that they would place a hold on my friend paycheck which we were fine with. However on the ninth day the day before they were supposed to deposit the check or clear the funds they took the amount of the check which was {$1000.00} out of my checking account which put my account into overdraft. They use the excuse that it was a difficult process item which is a lie there's no way would have been processed two times. Considering that during that time they didn't even credit me the money because of whatever reason I had to wait 10 days and they shut my card off also so I had no access to the funds that were already in my account that belong to me. The following day after the 10 day time period, so it would have been the 11th day so it would have been the XXXX of XXXX 2021, they went further and took out a fee for the check which was the entire amount that was left in my bank account. The money that was in my account before I deposited my friends check was my money and it was being direct deposited by the state of Texas unemployment office. They had no right to take my money or freeze my account without any notification. And now I've called and I've emailed and I keep getting the same generic message back saying that I need to wait 12 to 14 days will they do an investigation. But in the meantime that money cleared from the state for my Friends check who endorsed the check over to me. Even though it cleared Chase Bank decided to put a hold on the money because of what they perceived was fraud I guess. Before they closed the account and stole the funds from my account from myself and my friend, I did speak to the fraud and loss prevention departments. They asked me to come up to the bank with my driver 's license and I told them that I could not do that at this time within their time limit because my ex-husband and his mother both have XXXX and my daughter had been over there and we are XXXX to make sure we don't get anybody else sick and I have the records to prove that as well. But that I could video call or email my ID or whatever they needed digitally. It was at this time that I was told that they would not be closing the account but I would have to wait an additional 10 days for the check to clear. That was a complete lie. I received a call from someone named XXXX from the Executive offices you said they were conducting an investigation and they would get back to me as soon as possible. I have no faith in Chase Bank whatsoever at this point I feel like they just took my money and my friends money and are using the excuse that they think it's fraud with no proof at all whatsoever the check is a legitimate check it's not stolen or anything. Now my friend is also in a bind because she kept the check since we did a mobile deposit and she can't even cash it or put it into a new bank account because Chase Bank has taken the funds on that check and will not release them. And the worst thing about the whole thing is that the excuse that they gave me in my bank account with debit memo for the entire amount of the check was {$1000.00} and they tried to say that it was a double process. And that is a complete and utter lie. We would like chase bank to return the money that they stole from us including the sea and stop giving us the run-around because my friend has children I have a child unemployment fixing to be ending these are our last check why would they do something like that for no reason. It sounds super illegal. I wish someone would get on their XXXX for basically stealing from customers because I've read on the internet that I'm not the only person has happened to their been married couples that have had the same problem and Chase Bank is just keeping their money for months. Shame on Chase bank. I have a few things that I managed to get off of my Chase account before they basically made it impossible for me to do so right after I submitted my first complaint they locked my online account and I can read my statement but I can not respond to them and I can not download anything from them anymore I can't change my password they changed my password to get in so I can't get proof that they are saying these things on my statements but I'm telling you it's true and and I would like something done about it. Big banks continue to rob every day people mothers fathers children etc. Hard-working families people that have been affected by the coronavirus and is pandemic like my daughter 's father and maybe possibly us I mean I lost my business and I had to take care of her at home because her school closed after XXXX kids came down with the XXXX and this is what Chase Bank is doing to people who desperately depend on their money. You are wonderful chase. Thank you. | ||||||
| 06/09/2020 | Yes |
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| The purpose of this is to lodge a complaint against Chase 's credit card bank for violations of section 1026.12 ( c ). On XX/XX/2020 we went to what we thought was a legitimate XXXX computer store in XXXX Oregon. It was advertised as such and when we researched the company on the internet it also stated that it was an " upcoming XXXX XXXX XXXX in XXXX, Oregon. '' It was never revealed to us by XXXX XXXX ( XXXX XXXX ) that he was not a legitimate XXXX XXXX. We made contact via telephone with XXXX XXXX on XX/XX/2020 to inquire about getting a 7 year old XXXX repaired and he said to bring it in and he would see what he could do. The cost of repair exceeded the value so we decided to purchase a new XXXX. He then used my credit card to purchase an XXXX online from XXXX for {$2000.00} and said it would be about {$1500.00} for the set-up. This was done all on his phone using, what I believe, was a XXXX device and did not show an itemized list of what the {$1500.00} charge actually represented but I was told these were standard charges for the set-up.. I didn't receive an itemized receipt until two days after we received the computer and only upon the insistence of my wife and after we made contact with The XXXX XXXX XXXX and were told that he is not a legitimate XXXX Dealer ( XXXX case number XXXX ). He had also loaded unauthorized software that would have allowed him to remotely access the computer. This computer was returned on XX/XX/2020 to the XXXX XXXX XXXX for a full refund per their recommendation due the fact that he could now access all my Wife 's information remotely and we didn't trust him. At this point I went to Chase 's visa website, logged on, and filed a charge dispute and I was only given several choices in a drop down menu, one of which was for " incorrect amount charged '' for the amount of {$1800.00}. There was no option for fraudulent charges offered on their website. I then called Chase Card member Services on, I believe the the XXXX or XXXX of XXXX ( CLAIM ID : XXXX ) explained to them that the merchant had misrepresented the charges, loaded unauthorized software on the machine, that the machine had been returned to XXXX XXXX XXXX for a full refund and that the transaction is void do these circumstances. I then received information as to where to send supporting documentation. I faxed and mailed ( via usps first class mail ) the documents to the address and fax number provided by Chase. At this point I thought the issue had been resolved. I then noticed that the charge was put back onto my account statement in XXXX. I contacted Chase again, spoke to a person named XXXX to dispute the charge and was given a new dispute number ( XXXX ). XXXX informed me that Chase had no documentation to support my dispute, even though I had both mailed and faxed these documents. I read back the fax number and mailing address to XXXX and he verified that both were correct. I then received a notification via internal mail on the Chase website that they considered the charges valid because they had no supporting documentation. On XX/XX/2020 I, again, sent all supporting documentation to the address given to me by the Chase representative. This was done by USPS certified mail. I then continued to monitor my account to see if the fraudulent charge had been removed and the mail for the return receipt, which I have yet to receive. On XX/XX/2020 I, again, contacted Chase member services and was told, again, that they had not received any documentation and that I would need to contact another division on Monday, XXXX, XXXX 2020. I contacted Chase, with the phone number provided by the representative on Saturday and on XX/XX/2020 was told again that they did not have any documentation to support my claim. I then offered to XXXX the documents directly to this person, asked what the address was and an office number so that I could get this information to them. I was then told that they are not in the U.S. and that they do not have an office. I then asked him to keep this charge in dispute and to suspend it on my account. The representative then told me to go to a Chase bank branch to see if they could get the documents to the correct people. On XX/XX/2020 I went to the local Chase branch in XXXX XXXX, Oregon and they assisted me, ( remotely due to the virus ) and were very helpful. I tried every means available to me to get these documents to Chase member services without success. The charge is still showing on my account XXXX XX/XX/2020 @ XXXX ) even though I was assured by the Chase representative that this would be suspended immediately. I believe that Chase is in violation of 1026.12 ( c ) because I notified Chase by phone within the proper time frame and sent supporting documents on four occasions. Chase Bank should rethink its system for handling billing disputes as it is extremely difficult when mailed documents and faxes go into a black hole without any review or acknowledgment by the Bank that these are received. Most banks have a system for reporting via the Internet and by email. It's time that Chase did the same. I've attached a copy of my letter to chase, the original fax cover sheet and the receipts for the certified mail. I can not attach all documentation due to the 10MB limit on file size. If the remainder of the documents are required please notify me and I will mail them to the concerned parties. | ||||||
| 12/19/2022 | Yes |
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| This money was taken from my Chase account. I submitted a claim XXXX and then after not hearing from Chase I called and sent them a 46pg fax on XXXX They denied that claim and then told me to submit more information. I sent them another 52pg fax on XXXX which they also denied. I had to pay a computer science major to look at my computer around XXXX he found, and I quote (also had to pay for this): "IT ANALYSIS - XXXX XXXX XXXX Phone, Computer & Router Major Breach From my IT standpoint there is no doubt that this was a targeted hack and other than just fixing it there is no real way to trace anything. I would assume that a malicious app was installed on the phone via the XXXX XXXX feature where you can install applications directly to the phone regardless. It did show up on the scan and I was able to secure the phone. They could have gotten, and it looks like they did, access to all of his accounts in a way that it disgusting yet impressive. This was very sophisticated and had a definite sign the said phone was infected with a RAT Trojan by the name of XXXX. I suggest doing a XXXX for it and I think it would clear the air here. Here's a link with info: XXXX XXXX which creates a back-door program that is capable of uploading and downloading files to and from the system. The RAT (Remote Access Trojan) is also capable of logging keystrokes and executing commands on the system. I also was about to find this simply using the RDP software to log in to the router (typically with default settings) then forwarding/DNS settings through a proxy of sorts, but I did not get a screen shot of that as my only option was to default the router. Thank you for your time and please feel free to message me back via email. Oh an my credentials of course are that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/23/2017 | Yes |
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| On XX/XX/XXXX, we attempted to pay our XXXX monthly mortgage payment over the phone with Chase. However, the phone representative said that we are 7 months behind on payments. They will only accept a minimum payment for at least 5 months worth and not just one. We were then connected to XXXX XXXX who is an escalation manager. Without reaching an acceptable resolution, XXXX XXXX specifically told us that we have to pay 7 months of mortgages and that we are no longer under protection of the Bankruptcy Law. This mortgage company had exerted its heavy hands on us from the very beginning banking that we would default and lose our house to them. It harassed us 2 times in the life of our relationship with them - 1. Chase gave us a Form 1099-MISC in XXXX in the amount of {$710.00} from Chase which we have never received from them. 2. Exacting 7 months of mortgage payment when it was fully paid already. We completely disagree with Chase. As of XX/XX/XXXX, we have received our Chapter XXXX Bankruptcy discharge after completion of Chapter XXXX Plan. On our Chapter XXXX standing Trustees ( XXXX XXXX XXXX ) Final Report and Account dated XX/XX/XXXX ( see attached ), JP Morgan Chase NA was fully paid on 2 secured claim amounts namely 1. Chase MORTGAGE ONGOING - {$100000.00} 2. Chase MORTGAGE ARREARAGE - {$10000.00} Please see attached ORDER GRANTING DEBTORS MOTION TO MODIFY CONFIRMED PLAN by United States Bankruptcy XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The Order specifically states that The court finds : 1. The Debtors Motion to Modify Confirmed Plan was served on all interested parties with the Local Rule 2002-4 negative notice legend informing the parties of their opportunity to object within twenty-one ( 21 ) days of the dated service ; 2. NO PARTY FILED AN OBJECTION WITHIN THE TIME PERMITTED ; 3. THE COURT THEREFORE CONSIDERS THE MATTER UNOPPOSED ; and 4. The provisions of Section 1329 of the United States Bankruptcy Code have been met. Also attached please find the above-referenced MODIFIED CONFIRMED CHAPTER XXXX PLAN dated XX/XX/XXXX which states that 1. SECURED CLAIMS Chase Home Mortgage has the first mortgage on the Debtors principal residence. The trustee shall make the regular monthly payments of {$2000.00} for months 12 through 60, subject to periodic changes in accordance with variations in the prevailing discount rate and/or potential escrow advances paid by this secured creditor. THE TOTAL POST-PETITION ARREARAGE OWED ON THE MORTGAGE PAYMENTS IS {$10000.00}, WHICH INCLUIDES LATE CHARGES. THE TRUSTEE SHALL PAY THIS CREDITOR {$210.00} PER MONTH FOR MONTHS 12 THROUGH 60 TOWARD THE ARREARAGE TO BRING THE MORTGAGE PAYMENTS CURRENT OVER THE LIFE OF THE PLAN. Our Trustee was the one paying Chase directly until XX/XX/XXXX. We immediately resumed our mortgage payments from XX/XX/XXXX to XX/XX/XXXX. Therefore, our position is, WE DO NOT OWE ANY ARREARS WITH CHASE. WE ARE CURRENT WITH OUR MORTGAGE PAYMENTS. 2. GENERAL PROVISIONS Once the Debtor successfully completes the Chapter XXXX plan and a discharge is entered by the Court, NO CREDITOR WILL BE ALLOWED TO ADD LATE CHARGES, PENALTIES, INTEREST OR ATTORNEYS FEES FROM THE BEGINNING OF TIME THROUGH THE DATE OF DISCHARGE. On XX/XX/XXXX, we received in the mail our XXXX Chase mortgage statement. It says that our mortgage loan is in default since XX/XX/XXXX and that we are 195 days past due. It is requiring us to pay {$18000.00} by XX/XX/XXXX. Also, the statement shows that Chase added 3 questionable fees, i.e., {$990.00}, {$990.00} and {$110.00}. Based on the General Provisions mentioned above, NO CREDITOR WILL BE ALLOWED TO ADD LATE CHARGES, PENALTIES, INTEREST OR ATTORNEYS FEES FROM THE BEGINNING OF TIME THROUGH THE DATE OF DISCHARGE. Chase is clearly in Violation of Bankruptcy Code U.S. 11 Section 524 ( i ) which states that THE WILLFUL FAILURE OF A CREDITOR TO CREDIT PAYMENTS RECEIVED UNDER A PLAN CONFIRMED UNDER THIS TITLE, UNLESS THE ORDER CONFIRMING THE PLAN IS REVOKED, THE PLAN IS IN DEFAULT, OR THE CREDITOR HAS NOT RECEIVED PAYMENTS REQUIRED TO BE MADE UNDER THE PLAN IN THE MANNER REQUIRED BY THE PLAN ( INCLUDING CREDITING THE AMOUNTS REQUIRED UNDER THE PLAN SHALL CONSTITUTE A VIOLATION OF AN INJUNCTION UNDER SUBSECTION ( a ) ( 2 ) IF THE ACT OF THE CREDITOR TO COLLECT AND FAILURE TO CREDIT PAYMENTS IN THE MANNER REQUIRED BY THE PLAN CAUSED MATERIAL INJURY TO THE DEBTOR. What Chase is doing to us is pure harassment and bad faith conduct. We are frustrated and angry because this destroys the very essence of our struggle to successfully complete our Chapter XXXX plan payments ; and impedes our right to a fresh financial start. It is materially damaging to us since it is being reported to credit reporting bureaus that we are delinquent in payments. Attached for your perusal are the following documents 1. Chapter XXXX Discharge of Debtor After Completion of Chapter XXXX Plan ( XX/XX/XXXX ) Unable to attach. Can be faxed if needed. 2. Chapter XXXX Standing Trustees Final Report and Account ( XX/XX/XXXX ) Unable to attach. Can be faxed if needed 3. Order Granting Debtors Motion to Modify Confirmed Plan ( XX/XX/XXXX ) 4. Modified Confirmed Chapter XXXX Plan ( XX/XX/XXXX ) Unable to attach. Can be faxed if needed. 5. Tax Year XX/XX/XXXX Form 1099-MISC from Chase 6. XX/XX/XXXX Chase Mortgage Loan Statement Unable to attach. Can be faxed if needed. | ||||||
| 12/18/2021 | Yes |
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| XX/XX/XXXX * Credit card, wallet, cash and AZ XXXX ID ( Drivers Licence ) stolen between XX/XX/XXXX XXXX and XX/XX/XXXX XXXX at a bar in XXXX, AZ. * Credit card thief racked up approx {$2300.00} in a few hours, including a charge at XXXX ( {$800.00} in store charge ) and XXXX XXXX XXXX XXXX XXXX {$990.00} in store charge ) at XXXX XXXX. Additional charges at bars in XXXX totaling approx {$350.00}. * XXXX and XXXX XXXX XXXX XXXX are not open to the general public at this time - including not open to me, due to the stores closing between XXXX to XXXX. XX/XX/XXXX * Credit card company did not flag any of the fraud as suspicious. * I discovered the fraud at around noon on XX/XX/XXXX. I called the credit card company same day to inform them of the fraud and theft of card. Charges removed from card on XX/XX/XXXX. * Informed Chase I do not shop at the XXXX that the fraud occurred at - XXXX XXXX is the one in XXXX, AZ - the XXXX Fraud occured in XXXX. * Informed Chase I do not shop at XXXX XXXX XXXX XXXX. I have never shopped at XXXX XXXX XXXX XXXX * Representative took off the charges of approx {$2300.00} and issued me a new card. XX/XX/XXXX * Fraud is denied * Representative submitted that in the report that the credit card was in my possession- It was not in my possession- it was stolen. * Charges of approx {$2300.00} are added back to my account. * Called to dispute the fraud outcome. * Was informed the XXXX and XXXX XXXX XXXX XXXX charges were made in person. * Was informed police report will help. I created police report and forwarded it to the fraud department. * Police Report Narrative : I attended a XXXX event on campus the night of XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX. Afterwards, my classmates and coworkers wanted to go to XXXX XXXX. Between approx XXXX and XXXX the team was at XXXX XXXX XXXX XXXX XXXX XXXX Then the group wanted to go to XXXX. After getting in at around XXXX, I purchased a table for the group for the sum of {$280.00}. After paying for the table, I was given my ID and credit card back. The card, wallet, my AZ ID, and {$20.00} were stolen- though I am unsure exactly what time. I arrived home that night around XXXX on XX/XX/XXXX in XXXX XXXX AZ XXXX Upon waking up at approximately noon, I found my wallet missing and found that my Chase Sapphire Preferred Card had been fraudulently used at various bars ( additional charges at XXXX, and XXXX XXXX, and XXXX ) in the area it was stolen from, and then also at XXXX XXXXs XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, AZ XXXX ) based on the credit card dashboard and at a XXXX in XXXX ( XXXX XXXX XXXX XXXX ) also based on the credit card dashboard. The fraudulent charges on the card on XX/XX/XXXX ( the day the card was stolen ) exceed {$1900.00} but is below {$2500.00}. The credit card company told me the XXXX and XXXX XXXX charges were made in person- which could mean there is video at these stores of the person who used my card. XX/XX/XXXX * Fraud Dispute was denied based on Chase Fraud department saying the charges at XXXX and XXXX XXXX occurred before a ( valid ) charge, which was an adjustment to a previous charge to add a valid tip after the business closed and after the card was stolen. * I informed representative the credit card and my state ID were taken by the bartender before any service was provided due to the high cost nature of the service. * Chase rep informed me the XXXX XXXX charged the credit card at XXXX ( service + tip ) - even though credit card and ID were provided at approx XXXX. It is important to know that the business is not open at XXXX - all bars kick out all patrons at XXXX. * Chase Fraud department informed me XXXX and XXXX XXXX XXXX XXXX charges occurred around XXXX ** THESE STORES ARE NOT OPEN AT THIS TIME. I also have XXXX alibis that I was at XXXX XXXXXXXX at this time. * Chase rep asked if I replaced the AZ XXXX ID. I informed them I did with my extra ID. Chase Rep asked if there was a follow up report from police - police had not contacted me yet. * Informed Chase I can go to XXXX to get transaction information - all of my transactions are linked to my XXXX account. XX/XX/XXXX Provided Chase Fraud department with the charges on my XXXX membership from XX/XX/XXXX to XX/XX/XXXX. Only charges at XXXX on my account are XX/XX/XXXX and XX/XX/XXXX. Nothing within 10 days of the fraudulent charge on XX/XX/XXXX. Issues that need to be addressed : * Fraud charges are still present on my account. * First representative made an error in the initial report. * Fraud dispute declined due to XXXX and XXXX XXXX XXXX charges occurring before the bar finalized the service and tip charges. Provided Chase with Report from Police Follow Up XXXX PD stolen identity Case number XXXX XX/XX/XXXX Fraud Manager called to say that in the initial call where I told them my wallet was stolen that they asked me Do you have the card. The fraud manager says I said yes. I believe I understood the question as Did you have the card before the theft. The fraud manager says they tried contacting the businesses and the businesses did not provide the information of the fraudulent shoppers and that I have to prove the fraud charges were not mine. Fraud manager denied my fraud dispute again, which is ridiculous since I am unable to walk into XXXXXXXX or XXXX XXXX XXXX XXXX at XXXX to make purchases. | ||||||
| 05/07/2018 | Yes |
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| I am a longtime Chase customer with several credit cards and a bank account. I have paid my accounts on time 100 % of the time, and can see no valid reason for why the following has occurred to me. In XX/XX/XXXX I applied for and was approved for the new Chase IHG Premier card. The underwriting department saw me as a worthy customer - obviously taking into account my excellence history with Chase, my income, my high credit score, and the good standing of my credit file. However, Chase apparently has a separate department who reviews credit applications even after an approval. And apparently this department has a different set of criteria than the approval department. And upon reviewing my application ( which was approved ), and taking a look at my credit file, this separate department used a separate, and confusing, set of criteria to decide to close every single one of my Chase credit accounts - including the IHG Premier which I had JUST been approved for by Chase. The fact that Chase has two departments reviewing credit applications, and each of these departments has different criteria, and each of these departments has different powers, is incredibly confusing and unfair to the customer. Hopefully this is already clear. After realizing that my accounts were closed ( which I discovered by logging into my account ), I called Chase and was given the reason that I had opened too many new accounts in the last 12 months, and that I had too many open credit cards. I received this same reason in a written letter in the mail. I tried to explain that I own several businesses, and as such own a few credit cards for each of these businesses. Additionally, one of these businesses is a XXXX XXXX business, and of course I have several credit inquiries from mortgage providers in the last year on my credit file because of the nature of this business. I further explained that although I have many credit cards, I have never missed a payment, I use the cards for varying purposes, and I have no derogatory marks on my credit file. I explained that for an average customer, the amount of credit I have may seem high, but I am not an average customer. And regardless, I have not misused my credit to even a slight degree, and I have been a good Chase customer for 15+ years. I went on to question this department 's criteria, and tried to inquire why my credit report would be deemed fine for a Chase credit approval just a day before also being deemed too risky to hold any Chase account. There was no sufficient response to this question, which I think is quite important. I asked for a secondary review over the phone and was told it would take a few days. At the same time I opened a case with the Executive Office because I deemed this a case worthy of high escalation. After some back and forth with Chase, and after several days, I received a call back from the EO with a decision concerning my file. They were refusing to reopen my accounts. I reiterated my concerns stated above, and implored them to please reconsider and make a true SECONDARY LOOK at my credit file so they could understand my side. I provided the EO rep the information about my personal and business situation and how that clearly explained the high amount of credit and inquiries on my report, and asked her to please send my concerns back to the department handling my closure. Within the same day - possibly within an hour - I received a call back from the EO stating they had reviewed my provided information and were still not reopening my accounts. This is where the crux of my complaint lies. I do not believe the department responsible for my closure is truly giving my file a secondary or thorough examination. I believe the initial decision was made based off the high amount of inquiries and accounts, but since then I do not believe a single person has bothered to take my information into consideration and do a secondary review of my file. For a person such as myself, with three businesses - one XXXX XXXX, one XXXX, and one in XXXX XXXX - the amount of inquiries and credit accounts on my file is what I would consider normal. I think someone doing a personal review of my account, and understanding what I have just said, would likely come to the conclusion to reopen my accounts. If not based on the amount of businesses I own, then surely based on the fact that even with my high credit, I have not ONCE missed a payment or used an excessive amount of my credit. My utilization is typically below 5 %. However, I feel that the agent or agents in the closure department have a very short-sighted view of credit files. I also believe these agents are purposely NOT looking at my file because they are frustrated with my repeated attempts to reopen my accounts. These reasons are not valid to keep a loyal customers credit accounts closed, and to negatively affect their credit in such a way. So far I have felt that Chase 's customer service has been lacking with respect to this situation. In fact, one agent I initially spoke to hung up on me and yelled at me. Chase 's last response to CFPB complaint made it seem as though that was not true, which again angered me. I was on the phone with this agent - I know for a fact I was yelled at and hung up on. I will continue to fight to have my accounts reopen, because I truly believe the decision was wrong and not thought out. | ||||||
| 03/14/2023 | Yes |
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| On XX/XX/XXXX I attempted a direct debit card transfer from my Chase Bank account checking account into my XXXX account ( the 2 accounts are linked for immediate transfers ). Please note this is XXXX the company, not a third party merchant through XXXX. I had done this numerous times before for smaller amounts and the transfers are reflected in your XXXX balance immediately and can then be used to pay different merchants, which was my intent- to place the money into XXXX directly and then pay merchants through my existing XXXX balance. I had done 3 attempts the previous day, XX/XX/XXXX for a total of {$4000.00} and there were no issues. On XX/XX/XXXX I attempted one singular attempt for {$4000.00} as opposed to three smaller amounts and the attempt was flagged by Chase. I got the email prompting me to confirm it was me attempting the transaction and if it was correct, to attempt again. I confirmed it was me and re-attempted but I got an immediate prompt from XXXX the attempt was denied. I then tried multiple times and still got the denied message so I tried for a lower amount of {$2000.00} which was also denied. Finally I tried an attempt for {$1000.00} which ultimately went through. The next day I noticed Chase had withdrawn not only the {$1000.00} that was accepted by XXXX from my account which was valid, but they had also taken out the {$4000.00} initial attempt which XXXX declined. I filed a claim with Chase expecting the money to be refunded quickly and after 2 weeks of fighting it and getting it temporarily placed back into my account through their claims process, they denied the claim and re-removed the funds from my account, claiming " they treat this like a money order which their claims do not cover '' - but in the real world if someone gets a money order that is never cashed, they can cancel that money order and get the funds back less a fee, so that explanation seemed poor. I then went into the my local Chase branch ( XXXX XXXX XXXX, XXXX, MI XXXX ) after that played out and worked directly with the branch manger who was in agreement it seemed erroneous that these funds could be removed from my account when XXXX never accepted payment. We even called XXXX where it was confirmed they never accepted the funds and all attempts for {$4000.00} had been denied. All of the time stamps matched up to the second, and the exact second of the {$4000.00} withdrawal from my Chase account, XXXX also showed an attempt at that exact time that they declined on their end. So the branch manager sent to an internal higher end escalation team. After being told we were " 90 % in the clear and just waiting for final confirmation '' - exact words from the Sr claims analyst, the claim was again denied and I never heard from this claims person again. Literally the last thing he told me was what I put in quotes. So I followed up with the branch manager who tried another internal avenue and was told " the money was sent by Chase, this is a XXXX issue ''. At no time during this XXXX MONTH ordeal has Chase been able to give me any single intermediary account this may have passed through or any destination the money they sent arrived to. I will provide proof XXXX declined all attempts for {$4000.00} yet Chase still removed from my account and just blames XXXX. But if XXXX never accepted the money this is absolutely a Chase issue. At this point they have essentially stolen {$4000.00} from my account- and I do not make an accusation like this without merit, I too am in the financial services industry and am disgusted at how someone can be treated and discarded like this. It's like Chase is banking on the fact I will just give up and let it go, which if it was a smaller amount, I would have. But losing {$4000.00} in this current climate is a devastating blow. I am hoping the CFPB can step in and recover this money that is rightly mine. No person should have to worry about their money disappearing when doing a legitimate transfer of founds between the biggest bank and biggest payment merchant in the country. I have highlighted everything on the bank statements related to this. You can even see in XXXX, every time a successful XXXX transfer had gone through it read on the statement as XXXX direct and always said " XXXX XXXX XXXX XXXX XXXX XXXX ''. The {$4000.00} that was erroneously taken out does not say that, it says " XXXX XXXX XXXXXXXX XXXX XXXX ''. So if every one that was successful said " VISA Direct '' and the one that was taken out but not accepted by XXXX has a bunch of random numbers instead of the VISA verbiage there was clearly something that is off. I have also attached the paypal XXXX statement which only shows processed payments and you will see the {$4000.00} is nowhere on there. I also included the transaction history for XXXX showing every {$4000.00} attempt was denied and only went through when I tried it for {$1000.00}. I have included the bank statements showing when it was taken out, temporarily placed back in, and ultimately taken out for good on XX/XX/XXXX. All letters from Chase during the dispute process have been included as well as well as any XXXX chat transcripts confirming they never accepted payment. I'll also include an email from the Chase branch manager showing they tried to get a Chase person to show proof that XXXX accepted the funds and obviously they never could. | ||||||
| 08/31/2018 | Yes |
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| XX/XX/XXXX Chairman XXXX XXXX XXXX Vice Chairman XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XXXX and XXXX XXXX Chase Mortgage Loan No. XXXX To Whom It May Concern : I am writing to you asking for immediate help to stop JPMorganChase from foreclosing on our home. They have refused to modify our loan in spite of continued increases in our income and they have no scheduled a Foreclosure Date of XX/XX/XXXX. I need you help to stop / ask Chase to suspend the foreclosure so that I can work out a modification or sell our home in an orderly manner. We do not want to resort to legal action and are begging for your help. I have included my last letter to the Executive Office of Chase. Please help us! XX/XX/XXXX SENT VIA : FACSIMILE AND US POSTAL SERVICE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX, XXXX XXXX XXXX : Loan No. XXXX Request for Mortgage Assistance being filed on XXXX by us Dear XXXX XXXX and XXXX XXXX, We are writing yet again to ask for your help and to please grant us acceptance when we file tomorrow, XX/XX/XXXX, a New Request for Mortgage Assistance and keep our foreclosure at in-active status. Please allow this file to be opened given the significant change in financial circumstances since our last filing in XX/XX/XXXX. I was told on a recorded Chase phone line with XXXX XXXX that it does not matter how much money you make it will not change the decision. Besides being rude and inconsiderate on the call which has never happened before with anyone from Chase during this entire situation, XXXX XXXX kept repeating over and over that no matter how much money we make Chase would not modify our loan and that we werent turned down over income. She told us if we reapply the file will just come back to her and it will be rejected. We are trying to understand how Chase could tell us that no matter how much money we make they wont modify our loan. I was also told on a recorded line that Chase no longer has a program where 30 % of the principal due is deferred to a balloon payment due at maturity with the remaining principal balance due in 40-years. I dont understand this particularly because I have it on Chase Letterhead in writing from Chase that this program exists. Our file is very long and clear that we have begged Chase to modify our loan and offered in writing to make mortgage payments under a Chase Program offered to us in writing and we simply can not get anyone at Chase to help us or work with us to modify our loan. We have been humble creditors, consistently asking for help, truthful, and now that are lives have recovered from the financial disaster we went through we are once again begging Chase to modify our loan and let us begin making mortgage payments that we can afford under a Chase Program that we have in writing from Chase. We are requesting two things with this letter : 1. Immediate Approval to Submit a new Loan Modification Application base on our change in financial circumstances. Both XXXX and I are now making more money ( weve received raises and additional income ) which we thought was a good thing yet Chase tells us making more money wont help us modify our loan? We are requesting that all foreclosure attempts continue to be and remain non-active as they are now and that no further action be taken by Chase. Lastly, we would like to point out that over the past 4.5 years we have applied for several loan modifications with Chase and been denied every time. Should this process ever wind up in front of a Judge in the court system, we also want to also point out that we have now offered Chase on at least four ( 4 ) occasions, plus this letter, a modification payment under Chases own modification terms and formulas and Chase as yet to accept our offer. Counsel has advised us that we could seek judicial intervention especially since we have offered you a modification in writing four times based on your own terms and you have failed to accept it. We are aware that there is a special mediation unit within the court system set up for this but we are trying to resolve this directly with you, our creditor. Why cant someone from Chase work with us to directly modify our loan? Chase owns our loan? There are no government restrictions or bank restrictions preventing Chase from modifying our loan? And our loan originated in the financial crisis which means that Chase has either written our loan off or been paid back by the government for it. We have never hidden from Chase ; to the contrary we have continually tried over and over to modify our loan. As a member of the 12-Step Program Gamblers Anonymous ( XXXX ) for over 20-years we learn to continually reach out to our creditors and continue to stress our desire to repay our debts and work out a resolution. We simply want to resolve this amicably and responsibly and would request that you read all of the history in our file. In letters dated XX/XX/XXXX ( {$3400.00} ) XX/XX/XXXX ( {$3500.00} ), XX/XX/XXXX ( {$3500.00} ), and XX/XX/XXXX ( {$3100.00} ) and now again in this letter we offered these respective amounts in parenthesis to start a modification. Our income has continued to increase every modification and every year and yet we still get denied. Sincerely, XXXX XXXX | ||||||
| 04/08/2023 | Yes |
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| To whom it XXXX concern : Good afternoon, I am sending this over to dispute the XXXX denials of my dispute with Chase bank in regards to {$14000.00} being deducted out of my Chase Checking by a fraudster using my Chase debit card via XXXX XXXX in total of {$14000.00}. I have email correspondence between myself and XXXX XXXX XXXX XXXXXXXX ) as well as the e-mail correspondence between myself and XXXX ( XXXX ) in which I sent to chase as part of the investigation reporting the fraudulent charges that were completed on my Chase debit card that Chase has somehow deemed authorized. I never authorized any of the transactions listed below that have already been taken out of my Chase Checking account. The total amount of the fraudulent charges is {$14000.00} that were withdrawn from my chase checking account ending in XXXX with debit card ending in XXXX attached to that named checking at that time. I Initially Called and reported the fraudulent transactions when I first noticed my account had been compromised on Wednesday XX/XX/XXXX at approx XXXX when I had initially noticed the fraudulent transactions. I locked my Chase debit card from the app prior to calling. Chase Fraud department was closed at that time I reported the fraudulent activity, in which as advised by your representative I followed up the following day Thursday XX/XX/XXXX to report all 15 transactions. I then followed up with fraud team again Sunday XX/XX/XXXX at approximately XXXX as well as Monday XX/XX/XXXX at XXXX. Email correspondence was sent to XXXX XXXX and XXXX XXXX regarding the Fraudulent transactions and was told by both there was nothing they could do that I had to reach out to bank/card carrier in which I immediately did as well as changing passwords, usernames and adding 2 factor authentication to accounts. As soon as I noticed the Fraudulent transactions I immediately locked my debit card and requested a new one. I Kindly ask that some hold Chase accountable and reopen this matter and look into it further due to the fraudulent activity in the amount of {$14000.00}. I do not feel that there was a proper investigation done considering the magnitude of the amount and from what I was told the transactions were completed through XXXXXXXX XXXX which I never authorized, nor did I authorize any other individuals to do so. My phone and other personal items were on me at all times and never misplaced or lost. I was told by Chase Fraud team that their findings included there to be a 2 factor code that was verified during these transactions. When these transactions were made I never received a Fraud alert from chase nor did I ever receive any type of code that would cause any alarm that there was fraudulent activity being completed with my card. I would greatly appreciate it if this could be looked into further and if more time is needed by their team a provisional credit of {$14000.00} be issued to my account while a investigation is being completed. The amount that was taken from me without knowing is causing a financial hardship due to the magnitude of the amount and I feel needs to be looked into further. Like mentioned I have attached email correspondence between the two merchants regarding the fraudulent claims and I feel that Chase and XXXX need to look into this further and stand behind there Zero Liability Protection. If there is any further information needed from me please do not hesitate to reach out as I will do whatever is necessary to help rectify this issue to obtain the {$14000.00} which is rightfully mine. I have followed all of your steps that I was advised to do by Chase Fraud team during this process and feel that their findings are incorrect and am still out {$14000.00} and Chase claims that theirs nothing they can do since their was already transactions completed prior to the fraudulent ones that is the reason they are not accountable. They claim if you have ever made a transaction with a specific merchant in the past using that card any fraudulent transaction done with that card is not covered. Along with the email correspondence I had sent and attaching a article that I came across while researching how my XXXX XXXX could possibly be compromised and it states in the article One fraudster said that XXXX XXXX is the easiest way to make money with a recently developed hacking tool available in the digital underground that focuses on stealing victims multi-factor authentication tokens. I feel that chase and XXXX need to look into their security further and on how this could be stopped as well as standing behind their Zero Liability Protection. I would like to thank you in advance for your time and consideration in this matter when reopening and looking into this further. Respectfully, XXXX XXXX XXXX XXXX XXXX {$11000.00} from XXXX XXXX {$2500.00} XXXX XXXX {$180.00} XXXX cleared XX/XX/XXXX {$2500.00} XXXX cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$1200.00} XXXX Cleared XX/XX/XXXX {$2100.00} XXXX Cleared XX/XX/XXXX {$1000.00} XXXX Cleared XX/XX/XXXX {$650.00} XXXX Cleared XX/XX/XXXX {$250.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX Cleared XX/XX/XXXX {$100.00} XXXX cleared XX/XX/XXXX {$900.00} XXXX cleared XX/XX/XXXX {$2500.00} XXXX XXXX cleared XX/XX/XXXX {$2500.00} XXXX cleared XX/XX/XXXX Total of 15 transactions | ||||||
| 06/08/2023 | Yes |
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| I am an XXXX student at XXXXXXXX XXXX When I came to New York last year, it was my first time abroad. I opened my account at Chase Bank in XX/XX/XXXX because I heard many students from my university were doing the same. I did not have a smooth experience with Chase because I had to block my card and get a new one 2-3 times because of unauthorized transactions ( one of them being over {$50.00} ). On XX/XX/XXXX, I received an email from the University ( XXXX ) about a XXXX XXXX XXXX in the XXXX department shared on behalf of Professor XXXX XXXX ( XXXX XXXX, Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I looked her up on the Internet to confirm and applied for the job since it was well-paid. I was accepted and asked to estimate the prices of office supplies like printers, staplers, etc., which came out to be {$2600.00}. The Professor asked me to directly pay this amount through XXXX to someone called XXXX. I thought I had to order these items from XXXX so they ( the Professor ) issued a check for the same amount for compensation. I thought it was a genuine check so I uploaded it to my Chase bank account. I returned the items to XXXX and asked the Professor to wait for the payment till I get my refund back. Thereafter, I made two payments of {$500.00} to XXXX because the bank limited the amount since this person was new in my payees ' list. The first payment went through but the second one did not. This is when I got suspicious and talked to my seniors. They said that it is a scam and that they did not receive this email at all. I immediately blocked this Professors email and number and went to the XXXX XXXX Chase Bank to complain on XX/XX/XXXX. A lady with dark hair gave me a number and asked me to call and complain. I talked to someone called XXXX and was able to file a claim for the second payment only because it did not go through. I was completely transparent about the whole scam on the call. The claim number was XXXX. XXXX also asked if I wanted to file a separate claim for the check amount that I had uploaded ( {$2600.00} ) to which I explicitly replied that since it is a fake check, I am not entitled to the amount and so, filing a claim for that doesnt make any sense. I got my {$500.00} back and thought that the issue would be resolved. I kept sufficient amount of money in my account so that the Bank could withdraw the check amount ( {$2600.00} ). I came back to XXXX for my XXXX XXXX and landed on XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from XXXX that the access fund amount ( {$500.00} ) I had applied for earlier was returned to the University because my account was frozen. I opened my Chase mobile app and saw a notice for me saying that To protect against potential fraud, we restricted your account and may close it soon. It said act quickly ( call us at XXXX ) to better understand the restriction on your account- you may be able to provide information needed to keep it open. I called on the number and there was a lady who told me that the XXXX XXXX XXXX has asked Chase to close my account within 7-10 working days because of the fake check that I uploaded. She asked me to call XXXX XXXX XXXX and refuse to provide other information. I called XXXX XXXX XXXX and since it is an automated call, it first asked to enter my account number and I obviously do not have an account in XXXX XXXXXXXX XXXX so it was of no use. I decided to call Chase again to hopefully get a better person to speak to. Fortunately, I was connected with a person called XXXX who was extremely helpful in gathering evidence and claim numbers for me to talk to a Chase banker. The worst part was that I could even go to Chase physically because I am in XXXX right now and they decided to do all this during the summer break. As a last resort, I called XXXX XXXX XXXX, a Chase banker at the XXXX branch whom I had met in XX/XX/XXXX when I opened my account. She said she cant do anything because I am not physically present in front of her. First of all, I was completely transparent throughout the process even though I unknowingly fell trapped in such a huge scam where I even lost {$500.00}. This is a huge amount for an international student like me who is struggling to meet ends. Secondly, there isnt any awareness of such scams for international students like me. So, the XXXX and Banks popular with students must make us aware of these. Thirdly, I was prompt and honest at each step and so, the XXXX XXXX XXXX so-called back-end team should take this into account and should be open to communication with the bank and/or the customer rather than just abruptly shutting down the account even when the customer has intentionally kept a sufficient amount for the Bank to withdraw. Lastly, the Bank should at least grant an extension to me so that I can at least clear everything in person when I return in XXXX. This is because I have to pay monthly rent, electricity bill and I am also having a hard time getting my University stipends. I am very disappointed with how Chase has ruined things for me to say the least. I provided all the information to keep my account open in accordance with their notice on XX/XX/XXXX, that Ive mentioned above, act quickly ( call us at XXXX ) to better understand the restriction on your account- you may be able to provide information needed to keep it open. | ||||||
| 04/15/2021 | Yes |
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| On or about XX/XX/XXXX, I submitted an application for a XXXX XXXX XXXX account. I received a determination weeks later although the letter of denial was dated the date that I made the application. I am writing because I believe I was discriminated against. I believe it is because of my ethnic name. My credit score is XXXX out of XXXX. However, they determined I did not qualify for the following reasons : 1. The outstanding debt on my credit account is too high : Not sure what that means as I have 4 credit cards, 2 are at XXXX. The other two are ( 50 percent ) and one under 50 percent usage. 2. Delinquency history on one or more accounts. I had one 30 day late payment in 7 years on my XXXX XXXX account in XX/XX/XXXX. We pay the account off every month. One month it was an oversight. 3. Balances on accounts are high compared to credit extended-this is not true at all. 4. One or more requests for new credit in past 12 months. This is not true at all. The last card I opened was in XX/XX/XXXX for a balance transfer to 0 percent. So it was 13 months. I knew my credit was good so I applied to increase my available credit to increase my score and to use for travel for a business me and my husband have started. I knew I would have a hard inquiry on my credit and a short dip in my score because of it. However, I did not expect a denial. After receiving my denial letter, I contacted Chase initially on Saturday, XX/XX/XXXX ( a local branch ). The banker representative expressed shock at how my application was denied when I shared with him my score and explained their explanations. He said he would escalate my concern to the lending branch of his bank. He obviously did do this and I received a call yesterday, XX/XX/XXXX about this issue. I explained that I did not understand why when I have a great payment history and a great credit score that I was denied credit with their institution. The banking representative could not assist me and shared my concern, but gave me the number to a lending office, who I called today. I was told by a XXXX ( 1st person I spoke with ), then a XXXX XXXX 2nd Person ) I spoke with, that they do not use the credit score that they received from XXXX to determine my lendability. They in fact have an internal score that they use that they do not share with the consumer. XXXX and XXXX looked at my credit report which again is 113 points away from a perfect score and proceeded to tell me nonsense as to why I was not approved. I shared that if my name was not ethnic with the score that I currently have, I would have been approved. To make matters worst, I put down the fact that my household income ( including my husband 's ) was XXXX ( we make more than that as this is our base combined income ). XXXX reviewed my account and began asking me questions about how I planned to pay down the debt that he was reviewing on my credit report. I was appalled in that clearly this isn't an intervention. I pay my bills as I have near 100 percent payment history and my score reflects that. I explained that I was an attorney for a debt collection company so I completely understand debt. I also explained that it was not right for them to pull my credit if the score wasn't going to be considered. Additionally, the " internal score '' was not on any advertisement material or shared in the denial letter sent to me. If I had known that there was some other score that I needed to adhere to in order to obtain credit from Chase, I would not have applied for a card with this bank. When I asked how they would have handled my application if my score was in the 500s but I had no debt, XXXX said that they would not have weighed heavily on that score if there were other factors at play when in fact I believe they would have heavily relied on it to deny me the card. I then called back and spoke to a person named XXXX. I asked her to remove the inquiry from my credit report since they don't use it and that it was a material misrepresentation for them to put a hard inquiry on someone's credit score and then use a completely different system. She did a 2nd review of my application, asked me some ridiculous questions and came back and stated I was still declined. She asked me questions about my debt as if I had so much, I do not. She asked me what I used one account for. The questions were outrageous. I wasn't refinancing my home. I wanted a credit card. Additionally, she said they used the credit report to look at my credit. Well, I have an almost perfect score because I pay my bills. So clearly, they were not using my credit score in their decision. I believe I was discriminated against. I further believe they are materially misrepresenting the use of the credit score they ask the consumer to agree to pull. According to what I heard today, they pull your credit but don't really rely on the score. There is an internal scoring that they rely on instead that they do not share with the applicant. Why would anyone subject themselves to a hard inquiry, if they knew the company would not use it. All of my conversations were recorded. As a consumer, I am very concerned about their practice of lending. I am further concerned that they use every method to deny credit to consumers of color even when their credit and payment history is good. I think there needs to be an investigation of them. | ||||||
| 11/18/2017 | Yes |
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| To whom it may concern, I am looking for help or solutions. To start my husband and I purchased a home with a first time homeowners loan ( currently with Chase ) in a rural area of Illinois in XX/XX/XXXX. About XX/XX/XXXX my husband was called up to XXXX XXXX in the XXXX XXXX. At that time we placed our home for sale. The home sat on the market for six month with no offers and no interest in the home. We could not afford to make a house payment and rent in the area we were given orders to live in. After about six months on the market our realtor informed us she had someone who would be interested in the house only if we would do a contract for deed, a term used in Illinois meaning the potential buyer paid the mortgage for one year, the loan still being held by ourselves. After the year was over she would be eligible for a loan and would make the contract complete by paying for the remaining balance of the home with a loan of her own. It was explained to us that many people can not qualify for loans while they are recuperating there credit, but often they will qualify within the specified time. We were nervous but had no other options as the market had already started to make a downturn. The potential buyer made payments for about ten months before disappearing. It took three months to find out that she lived in the house two months while not paying and then moved out without giving notice, in addition she took the stove, refrigerator and washer and dryer we had in the home. It took about two more months but we were able to get the three months she owed in home payments with the money she had placed with the attorney as a good faith that she would get the loan. We placed the house back up for sale, this time we could no longer afford to make the payments on the home and the home was no longer worth what we owed. The house sat on the market for about six to nine months before we received an offer for about ten thousand less then what we owed. We were advised by Chase to apply for a short sale, and we did. We received many hardships with Chase in completing the paperwork. At this time they did not have a website with the required paperwork or a branch dedicated to help the military. We submitted the paperwork both by mail and fax no less then four times, each time being told they never received it. In this same time I found out I could apply for a deed in lieu. About a month after receiving the offer Chase finally claimed to receive the paperwork and informed us they would start the short sale process. About two weeks to a month after this time our potential buyer rescinded there offer explaining they could not wait without having a timeframe, as the market was continuing to go down cheaper homes were coming on the market. We continued to call Chase for a status with no resolve, Chase could only say it was in process and they did not know how long it would take. It would be another five months before they called to tell us we did not qualify for a short sale or a deed in lieu because they considered our contract for deed ( potential buyer ) as us renting the home and since that technically took place for thirteen month, which was over a year the home was considered as income property. We asked what could we do and were told they had no options for us but that we were covered by the SCRA. We placed the home for sale with three different realtors over the next few years with no offers. We had a difficult time even getting realtors to market it because they knew it would not likely sell. Over the years Chase would call and we would ask the same question you denied us what can we do? There response was to try short sale again we may qualify or to refinance and pay for house we did not live by and could not afford to pay for. In XX/XX/XXXX we finally received another offer on the house again for much less then what was owed but Chase assured us that we could apply for a short sale and that there were improvements from when we initially had gone through the process. We again started the process, this time we called no less then once a week to make sure the process was moving forward and it was. After about three months we were even told that we qualified for the short sale with Chase. It was at this time that we learned that our home also had to be approved by HUD. We waited about another two months for a response, all the while receiving threats that our buyer was going to walk away. We made a desperate call to Chase after this two months time to see if anything could be done before we lost the buyer. At this time we were informed that we had been denied for the short sale. We demanded an explanation after being told for so long that we could qualify. We were informed that HUD had been the one to actually deny the short sale and it was because our home had not received a payment on it for too many years. They would only approve if it was under three years and at this point the house payment had not been made for around eight years. We again asked Chase then what can we do and they told us they did not have an answer that there was nothing they could or would do for us. At this point we are at wits end and need a solution. We would appreciate help or a solution. We can not ever purchase another home while this home remains in this situation. Respectfully, XXXX and XXXX XXXX | ||||||
| 05/27/2021 | Yes |
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| I am writing in hopes that you can assist me in the mishandling of my deceased mother 's checking account with Chase Bank. My mother died on XX/XX/2021 and was credited her XXXX social security benefits to her Chase Bank checking account on XX/XX/2021. On XX/XX/2021, I received an email from Chase Bank advising my mother 's account was overdrawn and the available balance was a negative {>= $1,000,000}. I had to count the decimals as I could not believe the amount was a negative {$99.00} XXXX! That same day ( XX/XX/XXXX ) I went to the Chase Bank branch in XXXX XXXX ( XXXX XXXX XXXX ) with my mother 's death certificate to close her account, as I am the beneficiary of the account ( I am also the executor of her estate ). At which time I was advised by XXXX they could not close her account or let me withdraw any of the funds due to the negative {$99.00} XXXX hold on the account. Two days later XXXX contacted me and advised me that I could withdraw some of the funds from the account, but not the {$1200.00} representing her social security benefits that were electronically deposited to her account after her death on XX/XX/2021. They further advised me that " XXXX '' requires a 120 day hold to allow the government time to reclaim the benefits. However, they are putting a 180 day hold on the {$1200.00}, and I would have to wait 6 months to receive the {$1200.00}. Subsequently, I have researched the " XXXX '' they mentioned and determined they are not allowed to keep electronically deposited funds or put a hold on funds for her social security benefits that are deposited to the account prior to receiving notification of her death. I did not notify of my mom 's death until XX/XX/2021. In addition, they did not put a hold on the account until XX/XX/XXXX, which I assume is because that was the date that they too also became aware of my mother 's death. Please note my mother 's death certificate was signed by the coroner on XX/XX/2021. Please see below, from XXXX, XXXX XXXX, pages 4-5 : " Requirement to Return Post-Death Benefit Payments It is important to understand that once a payment has been credited to payees account, it becomes the property of the account holder. In the case of post-death payments, the payments become property of the joint account holder or decedents estate. The government can not legally authorize or direct an RDFI to take funds already credited to an account and send them to the government. This is the reason that RDFIs are directed only to return post-death payments that they receive after they become aware of the payees death, using an R14 or R15 code. Such returns are legally permissible because the payments have not been credited to the recipients account and therefore have not become property of the joint account holder or decedents estate ... RDFIs are cautioned that Fiscal Service does not authorize or direct RDFIs to debit or otherwise affect the account of a recipient, including to return post-death payments already credited to an account. '' The XXXX further states on page 8 of Chapter 5 the following : " No Holding of Payments Under no circumstances should an RDFI hold benefit payments indefinitely in a suspense account, or by any other means, nor should benefit payments otherwise be held if any of the conditions apply on when to return a benefit payment. Holding benefit payments may constitute a breach of the RDFIs warranty for the handling of federal government ACH payments under 31 CFR part 210 and could result in an RDFIs inability to limit its liability. '' According to the XXXX, it appears that Chase bank should allow me to withdraw the {$1200.00} as it was credited to the account on XX/XX/2021, PRIOR to Chase Bank becoming aware of my mother 's death on XX/XX/2021. Chase bank can not put any hold on the account, let alone for 180 days, on my mother 's account! Chase Bank has cited the XXXX that they are required to hold the funds for reclamation from the Government. However, that is NOT what the XXXX requires of them. Evidently, according to the XXXX, what Chase bank should have done was flagged my mom 's account once they became aware of her death ( XX/XX/XXXX ) so no further government deposits can be credited to the account, not put a hold on previously credited government deposits to my mom 's account prior to becoming aware of my mother 's death. Then, if they receive government funds after becoming aware of my mother 's death, such funds should be returned to the government by the bank. What they can not do is put a hold on the account, for any time period, let alone for {$99.00} XXXX, and wait for the government to debit the account. The 120-day rule in XXXX that Chase Bank cites for justification of putting a hold on the account, is not used for that purpose, but rather the 120 days is how long the government has to initiate a claim against the bank for not returning money the bank received AFTER becoming aware of her death that they should have returned to the government. My mother has not received any social security government benefits AFTER the bank became aware of her death, so no funds should be returned to the government. Regardless of when the electronically funds were received, the 120-day rule does not permit the bank to put a hold on the account. Any assistance you can provide would be greatly appreciated. | ||||||
| 09/07/2022 | Yes |
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| Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Lake Elmo, MN XXXX XXXX, XXXX Re : Mortgage Claim To Whom it May Concern, I refinanced my mortgage through XXXX XXXX in XXXX. After the first year, Chase Bank bought out my Loan. Once they bought it out, the loan amount suddenly jumped up to {$2900.00} compared to the {$2700.00} it was with XXXX XXXX. I called and emailed them to find out why it was so much more and all I received was This is what we calculated. I told them that my taxes, and insurance did not go up that much. My taxes went from {$4400.00} to {$5000.00}, which is a difference of {$630.00}. My insurance went from {$2300.00} to {$2500.00}, which is a difference of {$230.00}. That is a total difference of only {$860.00}, which is only an extra {$72.00} per month, on average. I kept paying my original payment until I could actually get any answers. Throughout the year, the numbers on my online statement kept changing drastically. One time they said I owe {$12000.00}. In XX/XX/XXXX I tried to pay online but their website would only allow me to enter my {$2700.00}. During XXXX I had XXXX XXXX and was not able to go into the bank to make a payment. In XXXX, I went into Chase Bank in XXXX, MN. I was able to get help from XXXX XXXX, the XXXX XXXX. She agreed that my account did not look correct, and we could not understand why my payment went up so much. While on the phone with a Mortgage Specialist from Chase Bank, I asked to have the escrow removed and clarified that I will pay my taxes and insurance moving forward. I also stated that I expect an updated balance reflecting this change and requested that they remove the late payments they added during this period. The employee said that they will remove the escrow and the paperwork will be sent to my home in 10 business days. After the call with the Chase Mortgage XXXX, XXXX XXXX and I both agreed that moving forward I would only be paying the principle of {$2100.00} to Chase and that I would be responsible for the escrow. A couple of weeks went by and I still had not received any information. With that, once again I went into their location to talk with XXXX XXXX. We called their Mortgage XXXX, XXXX XXXX, as she was the one that submitted the request to remove the escrow and then also stated a written-up letter would be needed. On XX/XX/XXXX, I sent the letter to XXXX XXXX, informing Chase that I will be taking care of the insurance and taxes moving forward. Another couple of weeks later, they sent me a letter stating that they can not remove the escrow because of the late payments, which I fully disagreed on how they charged my accounts. I then reached out to my insurance agent and asked them to remove Chase Mortgage from their billing and send it straight to myself. Once my insurance company sent me the bill, I paid it in full on XXXX ( {$2500.00} ). The next day I went to XXXX XXXX to pay for the XXXX taxes. On XXXX I paid {$2500.00} and received a paid in full receipt from XXXX XXXX. On XXXX, I sent an email to XXXX XXXX showing pictures of the receipts stating my taxes and insurance were both paid in full and requested her to update my account. A couple weeks ago, I received a check from my insurance company for {$2500.00} for an extra payment on the account. I reached out to my agent and asked why they sent me that amount back. My agent looked into the payment details and saw that Chase Bank had sent in the payment. My agent stated that they never sent them a bill but in fact sent them a letter stating that the bill was paid in full. As of today, Chase is now stating my mortgage should be {$3100.00}, which would entail {$970.00} in escrow payments each month, for an annual total of {$11000.00}. What?? When the 2022 year began, my escrow added up to a total of {$7600.00}. Where is the extra {$4000.00} now coming from? This has been months and months of ongoing headaches and extra work to essentially get nowhere and no answers. I would never do business with Chase Bank again and would request to transfer my mortgage to another company, if possible. I feel I have been lied to and fraud has occurred with the extra fees and incorrect amounts credited to my mortgage when Chase took over my account. XXXX XXXX has also not been easy to work with. I feel she has had fraud applied to my account as well with the extra payment they made to my insurance company and placing late fees. In speaking with my attorney, he suggested filing this claim first before moving forward with other actions. I have not missed a mortgage payment or had this much trouble with a mortgage company since I have owned a house. Even on my credit report I have XXXX late payments. I have attached couple pictures showing the email chain stating removing my escrow that I sent to XXXX from Chase along with the email from my insurance confirming they did not send Chase a bill and I paid the insurance premium. Also XXXX months payment from the first time i came into Chase bank to talk to a representative ( XXXX ) which also believed from our conversation from the Chase Mortgage agent that told us they would remove the Escrow moving forward. Also i would like to clarify that my complaint is not against with XXXX XXXX who has actually understood where my complaints came from and tried to help with my case. Sincerely, XXXX XXXX | ||||||
| 09/07/2018 | Yes |
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Web | Servicemember |
| I can not give you specific dates and details. However chase bank is in possession of these details and they have taped some of my conversations with their employees or they should have. I already have an existing complaint with you. # XXXX here is what happened. Around XX/XX/XXXX I made a {$5000.00} donation to the XXXX XXXX. In XX/XX/XXXX I made another donation of {$1000.00}. Around the end of XX/XX/XXXX I determined based on factual information that the XXXX XXXX committed Internet fraud in order to seduce me into making those generous donations. On the XXXX website there were many posts of XXXXXXXX XXXX who they claim or mercilessly imprisoned and even died in those prisons in XXXX XXXX. About that time I called the accounting department of the XXXX XXXX in XXXX, New York and asked for my money back. A nice young lady said sure brother XXXX, we will be happy to refund your money. Later a man called and left a message on my machine and said that I needed to write them a letter and explain why I wanted my money back. I told him that if I did that the XXXX XXXX could justify considering me disassociated. If I did that I would lose any legal claim of action I could have against them in a court of law. That is when I contacted the fraud department of chase bank. That was around XX/XX/XXXX. A man who called himself XXXX XXXX said that it was fraud and he would immediately return the funds into my account. The charges were made on a chase visa card ending in XXXX. He refunded the money, {$6000.00} and immediately closed that particular account. Then issued me a new credit card ending in XXXX. He promised me that a refund check would appear in the mail within 7 to 10 days. On XX/XX/XXXX when the check did not come I called the bank again. They said they would issue the check the next day on XX/XX/XXXX once again I trusted them to keep their promise. On or about XX/XX/XXXX when I did not get the check I called them back again. I was told that the bank determined that the transaction was not fraudulent and the {$6000.00} was deposited Back into the account of the XXXX XXXX. I was then told that the matter was a dispute. I was instructed by the dispute department to submit a claim with them. I was given phone number to fax it to. I went to the Chase branch at XXXX XXXX XXXX in XXXX XXXX California. There I met XXXX XXXX. A chase bank employee. He said he faxed it to their dispute department. I asked him for a confirmation. He said that is done digitally. A week went by and I called Chase dispute department to find out why they had not received it. They gave me a new number To fax it to. I sent them for pages of documentation, including my original complaint to the federal banking agency. Now they admit they have the documentation. I explained to the bank that the XXXX XXXX is in danger of being seized and liquidated by the Justice Department of the United States for XXXX XXXX, Internet fraud and civil rights violations. Highness crimes by any standard. The constitution guarantees freedom of religion, but not when you violate the law in a grievance manner. Therefore, my refund which was promised me on XX/XX/XXXX could be in danger of never being paid. On XX/XX/XXXX a bank employee named XXXX XXXX assured me that the bank would expedite my claim. A XXXX-year-old child in a XXXX couldve solved this problem by now. Yesterday when I called the bank again they transferred me once again to their fraud department. After viciously running me around in circles they transferred me back to their dispute department. Their employee told me that they were working on it and that it could take up to 30 days. That is a crock of XXXX, I have had disputes with them before over minor matters that took them one week to solve. I now believe that chase bank and its employees have been compromised by a rogue FBI agent who is determined to bring me to ruin because I wrote a letter to a beautiful school teacher named XXXX who is inserted by the FBI in XXXX at the chase bank branch in XXXX XXXX. Three years later in XXXX XXXX I uncovered their evil scheme. I wrote XXXX a letter and I told her point-blank that to the FBI she means nothing more than toilet paper, to be flushed down the toilet. That rogue agent hates my guts so much that he is determined to steal my refund from me. He has even viciously intimidated at least one bank in ploy into cooperating with him. That mans name is XXXX. When I asked him for his name he was petrified to give it to me. Last night when I talk to a chase bank employee I asked him how he would like to be interrogated by an attorney. He said that was part of his job. I then told him to enjoy his house, because tomorrow he could lose it. I told him that I would grind chase bank into the dust. They no longer except my complaints on their website, so I sent them to your website. Therefore I request that you move quickly to force the bank to refund my {$6000.00} as promised and punish them severely for their evil conduct and the incredible emotional distress that they have caused me. As well as punitive damages. XXXX XXXX XXXX XXXX. I would appreciate the speedy response from you. Thank you. I am a XXXX XXXX veteran who nearly died one night while on active duty to protect your life and the eroding freedoms in this Morally depraved country that you are still able to enjoy. | ||||||
| 09/22/2023 | Yes |
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| Please see a summary of my interactions with the merchant XXXX XXXX and I would like to formally request to reopen my fraud/dispute case below is a series of facts and information. XXXX ( Stayed at the Hotel ) XX/XX/XXXX, XXXX family and I showed up and reserved XXXX rooms for a cost of {$160.00} each for a total of {$330.00} & it was charged on my credit card ending in XXXX on XXXX XXXX XX/XX/XXXX, XXXX to the unpleasant stay with mildew smelling rooms, issues with the air conditioning and floors that were dirty we were credited one nights stay at {$160.00} on credit card XXXX -- We decided based on this poor experience not to stay at the XXXX XXXX again. XXXX ( Never stayed at the hotel nor authorized charges ) XXXX XXXX never contacted me prior to the charge on XX/XX/XXXX. XX/XX/XXXX, XXXX reviewed my charges daily and I noticed a charged of {$160.00} for the XXXX XXXX XXXX XXXX mobile app for my credit card ending XXXX. I was in XXXX Illinois on this date and I contacted Chase as this was an unauthorized charge on my credit card and I was concerned with fraudulent charges appearing on my credit card. XX/XX/XXXX, XXXX my call, I was informed I will receive a new credit card number and the charge was reversed since I did not authorize the charge, nor was I notified by XXXX XXXX for XXXX reason for the charges. Issued a new credit card number ending in XXXX. XX/XX/XXXX week, XXXX XXXX contacted me from the XXXX XXXX requesting payment as she stated the hotel is up for sale and she claimed I did not pay for my hotel room in XXXX. I let her know that I will look at my bank statements as I do recall paying for the hotel room and this is over 1 year ago when I stayed there. I let her know I will review my credit card and I will call her back. XX/XX/XXXX week, I contacted XXXX back within hours and explained to her that based on my credit card statement from XXXX I do show a payment and a credit for that time. I let her know that I am not authorizing another payment for a hotel. She placed me on hold for over XXXX minutes and never returned the call. Given that Chase had reversed the charge on XX/XX/XXXX, I understood this issue was resolved. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} that was given to me on XX/XX/XXXX. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} for the credit the hotel provided to me on XX/XX/XXXX, based on the poor experience. The customer service representative explained that Chase will write off the charge and that XXXX will NOT be able to make any further charges onto my credit card. I reconfirmed as I had concerns with a hotel for making charges years later. XX/XX/XXXX, XXXX bank reversed the credit of {$160.00} from XX/XX/XXXX. XXXX XXXX I contacted Chase XXXX understand why the charge was reversed and after a XXXX minute time I was told because I did use the Hotel in XXXX and I explained further the issue about my call with Chase XXXX XX/XX/XXXX. I had gotten no answers and I had to move on with my day to work. I was also informed that I need to wait for my statement. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX second charge on the date of XX/XX/XXXX, in the amount of {$160.00}. XX/XX/XXXX, XXXX walked into the XXXX XXXX XXXX and a banker called several their internal numbers where he was transferred from fraud then back to dispute back to fraud then disputes. After an hour, he was provided with a fax number that I as a customer can submit for them to re-evaluate the dispute. I was informed there was an issue that it was called in as a fraud not a dispute and confusion that both departments thought the charges were all in the same year of XXXX for a stay in XXXX, which I never stayed at the hotel. I requested documentation that supported their decision and I was informed they did not have any only that because I stayed in the hotel back in XXXX the hotel is able to continue to make charges a year or several years later. Given I have a new credit card I was assured that would not happen and I was informed that on XX/XX/XXXX XXXX XXXX Rebilled the same amount on the old credit card. XX/XX/XXXX, XXXX returned to chase bank and XXXX the documents faxed by the banker who would follow up with me by Friday ( he informed me that it could take up to XXXX hours ) The documentation is what provided above with the facts of the charges. XX/XX/XXXX, XXXX Chase banker contacted me to say the department has not uploaded the fax I sent for consideration of the dispute. XX/XX/XXXX, XXXX banker contacted me to share that he will refax the dispute letter I drafted for the dispute department. I have concerns with this merchant that is allowed to continue to charge an old credit card number XXXX and it continues to be placed on my new credit card XXXX. Overall, I would like to dispute the following charges the following charges : XX/XX/XXXX, XXXX rebill charge of {$160.00} XX/XX/XXXX, XXXX Reversal of the credit issued for {$160.00} for the credit on XX/XX/XXXX. As you look at my credit card statements, for hotel stay that should have only cost {$320.00}, XXXX XXXX has now charged me {$500.00}. Also because the old credit card was paperless, I NOT getting letters for the reversal I am getting an email to look at my statements and notifications but since these charges were reported as a fraud I am not receiving any notifications. | ||||||
| 07/11/2022 | Yes |
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| On XX/XX/XXXX I did an online real-time transfer of {$4100.00} from my business checking account # XXXX to my & my husband 's joint personal checking account # XXXX. At the time of the transfer, the balance of my business account was {$6700.00}. Plenty of balance to cover the {$4100.00} transfer. ( *This becomes of note later. ) This was a simple and immediate online real-time transfer of monies. It is a transfer between accounts I do monthly, to replenish the mortgage payment made from our personal joint account. To be sure the money has transferred successfully, I log into my business checking account on my laptop computer and log into my personal checking account on my desktop computer, so I can watch it with my own eyes. And this is precisely what happened the morning of XX/XX/XXXX when I did the transfer. The money was debited from my business checking account # XXXX and immediately credited to my personal checking account # XXXX, with a posting date of XX/XX/XXXX Or so I thought. A few days later I received a letter from Chase ( dated XX/XX/XXXX ) stating the following : Insufficient Funds Notice : There wasnt enough money in your account ending in XXXX. Dear XXXX XXXX XXXX : Your account balance was not enough to cover at least one transaction. We have either paid the transaction or returned it to the payee. We may have charged you a {$34.00} Insufficient Funds Fee ( s ) for transaction ( s ) we paid. I immediately logged into my personal checking account to see that the posting date was changed to XX/XX/XXXX. The money was indeed credited to the account, but proceeded to be debited back out of the personal checking account # XXXX on XX/XX/XXXX. I then logged into my business checking account # XXXX to confirm that the {$4100.00} had been credited back there -- - only to find that it was nowhere to be found. So where did it go? As for the letter I received : there was enough money in my business account to cover the transaction. There was a balance of {$6700.00}. I drove to the nearest Chase Bank branch to sort out the issue, with printed out proof in hand. I was told by two employees, Theres nothing we can do for you here. This is a back-office issue. Youll need to call the number on the back of your card. We cant give you your money back. Even worse, one of the employees had difficulty understanding the accounting error I had described. She replied, Im sure your money is there somewhere, youre just not seeing it! while the other employee tried to explain to her what had happened. This was not comforting. It had been fifteen days at this point. No reason the money shouldnt have shown up by then especially considering it was an internal transfer between accounts owned by the same person. Over the next two weeks, I spent fifteen hours calling Chase Customer service, explaining the issue at least four dozen times, being connected to whichever was supposed to be the right department to help me. Only to be told time and time again that whomever I was on the phone with could not, in fact, help me. I literally had to beg a customer service representative to open a case for the issue. Then, when she was connecting me to another department she says, Great, Ill go ahead and close the case. To which I replied, Why would you close the case? It hasnt been handled. I havent gotten my money back. Then, like XXXX XXXX, she said, So whats the issue youre calling about today? And Id be asked to explain it ALL OVER AGAIN. Talk about frustrating. This was a simple internal transfer of my own money, from one account to another. My guess is there was a computer error on Chases part, flagging it as insufficient funds despite the fact that there were sufficient funds. I am being shorted {$4100.00} by Chase Bank and the fact that there has been little to no help from Chase Bank is infuriating, at best. Either an innocent computer error happened, or there is internal fraud on the part of someone working at Chase. Because, to where did my money get transferred? Certainly not to me. Regardless, {$4100.00} of mine is sitting in a virtual drawer somewhere ( or someone elses bank account? ) and it is mine. As I stated earlier, I have spent upward of fifteen hours on the telephone trying to get this sorted out. Calling ( and Chase dropping calls ), sending emails ( and not getting responses ), going to Chase in person ( and not being helped )... to no avail. Finally, on Friday, my husband and I went back into the Chase Bank branch and an employee ( again ) said he couldnt help me. He suggested I contact the Consumer Financial Protection Bureau. I will upload all pertinent documentation. Thank you in advance for your help. I am a XXXX XXXX XXXX ; a XXXX operating a XXXX XXXX XXXX ( in-person and virtual ) out of my home in XXXX XXXX XXXX CA. I have been licensed since XXXX ( XXXX # XXXX ). All my finances are with Chase Bank - both business and personal. Sincerely, XXXX XXXX XXXX, XXXX XXXX. Enclosure titled BUS COMPLETE CHK ( ... XXXX ) : see pg.10 for the - {$4100.00} on XX/XX/XXXX. Note the balance at the time of the transaction was {$6700.00}. After the transfer the balance was {$2600.00} 2. Enclosure titled TOTAL CHECKUNG ( ... XXXX ) : See pg. 4 for the {$4100.00} transfer in on XX/XX/XXXX and pg. 3 for the Debit return of XXXX. | ||||||
| 07/28/2020 | Yes |
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| I am being erroneously billed for {$450.00} of fraudulent charges made on a stolen card as well as duplicate billed {$350.00} for a legitimate purchase, and am unable to resolve this matter with Chase despite multiple communications with them. I reported {$450.00} of fraudulent charges on the day I discovered them, but the investigation stated that the charges were legitimate because I benefited from the transaction. I later learned because there are other charges made with the card during that period that I did not dispute, the fraud claim is denied. Additionally, I am being charged twice for the same purchase that occurred around this time. My Chase Visa was lost/stolen on XX/XX/XXXX. Due to the Coronavirus stay at home order and non-contact purchases ( XXXX XXXX ), I did not notice that the card was gone until XX/XX/XXXX when I received the bill for the charges. At that time, I noticed 35 fraudulent charges totaling {$450.00} - all to XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. ( Although these merchants are in my neighborhood, I have never purchased anything from them ). I immediately reported these fraudulent charges, locked my card, and was issued a replacement card. There are other charges on my card ( to XXXX XXXX ) which I did not dispute, as I assumed they were legitimate ( my husband still had possession of his card during the time, I always use XXXX XXXX and they are made at neighborhood stores we sometimes go to ). However, my failure to identify these charges which I might have made as fraudulent is now Chases grounds for denying the entire fraud claim. On XX/XX/XXXX, prior to noticing the fraudulent charge, I purchased an item online at Amazon using the card ( which is saved to my account ), totaling {$350.00}. This payment was settled with Amazon on XX/XX/XXXX but later was disputed by the bank. According to correspondence with Amazon, the bank removed the funds from Amazon ( Chargeback ID : XXXX ) on XX/XX/XXXX. My Amazon account was then locked. I contacted Amazon, provided my replacement credit card number and was re-charged the amount. This was added to my Chase bill and paid off in XXXX. Chase has placed the initial charge back on my account. Chase is now demanding that I pay for both charges ; Chase employee stated by phone that the merchant was paid twice. However, the merchant denies this ( record of chat with Amazon attached ). I asked for a review of the fraud claim. I subsequently was called and interviewed by someone from another country over a very poor, almost inaudible, phone connection made less intelligible by the accent of the staff member I spoke with. I explained that my husband still had his card which is why there continued to be charges on a credit card, and that my card was indeed lost/stolen but I had not noticed due to the stay at home order. This same individual told me that Amazon was paid twice, and I would need to contact Amazon to be refunded the {$350.00} ; ( this proved to be incorrect per Amazon. ) This individual gave me the impression on the phone that the information I gave was sufficient to validate my claim regarding the {$450.00} of fraudulent charges. On XX/XX/XXXX, I noticed a letter in my Chase account stating that The latest review confirms the previous finding that the transaction ( s ) is valid, as well as the infuriating statement We assure you that we researched your fraud claim thoroughly. I was given a phone number to call with questions, XXXX, extension XXXX, which is not answered and just goes to a busy signal. On XX/XX/XXXX and XXXX I attempted to reach the regular fraud department by phone. I called on four different occasions. Each time, after holding for 10-30 minutes was disconnected. On XX/XX/XXXX, after a 40-minute hold time I was finally able to speak to someone through a very poor phone connection which was barely audible. I explained that I am planning to complain to the Consumer Finance Protection Agency and was transferred yet again to Ms. XXXX, an escalation specialist. Again, the hold time was excessive, and the phone quality was poor. Ms. XXXX insisted that the fraudulent purchases were actually my purchases because I used my chip card at that time to go to XXXX. There are indeed charges at the local XXXX which they claim are the reason they are denying the fraudulent charges. Since I often shop at the same XXXX I did not claim these as fraudulent because I was not 100 % sure that my husband or I did not make purchases at that time using his card or XXXX XXXX ; they were for small amounts and not something I would clearly recall weeks later. However, if they were made with the same card chip, they are indeed fraudulent, and I should not responsible for those charges either. Ms. XXXX then required that I file a police report ( which I consider a waste of time and police resources. ) I was not told what to do with the police report. I was then transferred to someone to dispute the {$350.00} duplicate charge at Amazon. I was placed on another long hold. After an additional 30 minutes I was told I would be transferred to XXXX who would assist with duplicate charges. However, I was transferred, and the call went to a busy signal and I was disconnected. Chase customer service is abysmal, and they persist in charging me for purchases that I am not responsible for. | ||||||
| 04/20/2023 | Yes |
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| On Thursday, XX/XX/2023 I reached out to chase bank via their customer service business line to speak with someone about my getting my bank information verified on bank letterhead. I was also calling to get information on how to accept and process credit cards on my business account. I spoke with XXXX who told me she can set up an appointment at a branch and someone can assist me with getting my bank information on chase letter head. She set up an appointment for me and I explained that there is no longer a business banker at the branch my account was opened at. XXXX scheduled the appointment at the branch I opened the account with and then she told me that she would get me over to merchant services to address my credit card processing questions. I asked her how would I know who i am supposed to meet with after she said she successfully set up the appointment and she said that I would get an email shortly. She placed me on a long hold and XXXX answered the phone from merchant services. I told him what I was looking for because this was a cold transfer. He proceeded to ask me several questions none of which I could answer then he said he would need to transfer me to another area because i did not have an account set up. I asked him if i could get the information at a chase branch which he did not answer right away, but he finally told me that I could. He asked me for my account number so he could transfer me and i told him that I did not have it in front of me. I only had my debit card in front of me. He told me that he could not transfer me if i did not have my account number. I told him ok but I was irritated because this was becoming more of a big deal than it needed to be for me to just get some general information. I did not receive an email telling me I had an appointment. I called the customer service business line again and I spoke to XXXX. I explained that I was trying to find out who I was meeting with for my appointment that was set up earlier. I explained that it was set up by someone I spoke to earlier. She kept asking me if i checked online. i asked her what i was checking for online and she asked me who set up the appointment. I told her someone from her department. She said i can go online to see the appointment. I asked her if it would tell me who I was scheduled to meet with online and she said she did not have access. I asked her why she was asking me to look online for something that I did not set up on line. She explained that I can go online and set up another appointment if I did not see one and then she asked me if I used the app or online trying to find out how i set up the appointment. I explained again that I did not set the appointment up, someone else did and all i want to know is who am I meeting with so I would know who to ask for when I arrived to the appointment. She began to explain that she can't set or see appointments online and that i can set up an appointment online. Frustrated I told her that I am not interested in scheduling any appointments online and explained that I needed to verify my account. She then transferred me to someone else and I did not catch their name. This person took me through the same exchange. I asked could I speak to a supervisor and she told me that she was a supervisor. She offered to connect me with the branch where my appointment was scheduled so i could ask them. After waiting on hold for a few minutes she said no one answered but I can call them back later if i wanted to. I explained that I simply want to verify my account. She transferred me to someone in confirmation who identified himself as XXXX. I explained what I was looking for and XXXX verified me and then he told me that it would take XXXX business days to receive my request via mail. I told him ok, then I asked him if i can speak to someone about accepting and processing credit cards through my business accounts. He offered to get me over to credit card services. I told him that I don't think that is where I need to go. I explained to him again and he told me that credit card services is the correct department. I asked him what does that department handle and he said any questions you have about your credit card. Once again I explained that I don't have any questions about my credit card and that is the wrong department. He then told me to call customer service. I explained I called customer service already. He told me again to call customer service. I told him again I had already done that and I questioned why he wasn't listening to me. He told me again to call customer service. I asked him if i could escalate the call. He said he could not escalate the call for the reason i was calling and that I would have to call customer service. I told him that I wanted to speak with a supervisor concerning confirmation. He went back and forth with me concerning this. Then I told him that I wanted to speak with a supervisor to complain about him because his handling of the call went from ok to terrible. He told me to call customer service and hung up on me. I never received the email so I am not going to an appointment to meet with someone in a branch to get everything addressed i was calling for without a confirmation or knowing who i am suppose to meet with. This was a complete mess. I want to escalate and address XXXX hanging up. | ||||||
| 10/13/2022 | Yes |
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| After XXXX XXXX in XXXX, the insurance rates in Louisiana were affected. In my case, my insurance provider left the local market and forced us into " an insurer of last resort. '' This raised the rates that would be withdrawn from my escrow account. In XX/XX/XXXX I received a letter from my lender, Chase, that informed me of three payment options as a result of the escrow shortage. The letter was vaguely written. Was the payment a pure escrow payment or did it include the monthly mortgage payment as well? Since it presented three options, which included just making the regular monthly payment, I interpreted the letter to include both the monthly payment plus escrow. However, not wanting to be late or incorrect, I went to a local Chase branch for consultation. The banker advised me that the payment was for both the monthly payment and escrow shortage. I paid the advised amount. The following month, in XXXX, I made my payment the normal way I do, which is through my XXXX XXXX Bill Pay service. A few days later, I received a letter from Chase notifying me that they did not receive my XXXX payment. I called Chase to confirm the validity of this letter and to inquire about the XXXX payment. They notified me that the payment was received at the bank, but that the bank applied the whole amount strictly to escrow. I explained to them that I met with their bank representatives and confirmed the process and payment amount and that I paid as instructed by both the letter and the representative. They insisted that it was still my fault. I asked how do we resolve this, because I have proof that I paid it ( cancelled check from the bank ) and they admitted they can see the payment. They insisted that the account was " locked '' or " red '' and that no corrections could be made until the account " showed green. '' How I asked? They said I had to provide an immediate payment via their " check by phone. '' I complied. After sending the check, I immediately checked my credit report. Chase, in less than a 30 day window, reported my payment late to the credit bureaus. My credit score dropped from an XXXX to XXXX over this single and only negative comment that isn't even my fault. I made the payment as instructed at their branch. I wanted this corrected. I have spoken to Chase representatives to get this corrected. They have taken my complaint, can see the payment in question, have corrected the misapplication, waived the late fee and admitted their error. A work order was created to correct the credit report. After three weeks of waiting for a copy of this correction in the mail I did not receive it. Neither have the credit bureaus. I have contacted Chase again and I have now been informed that they have decided to not issue the credit report amendment as indicated in previous calls. They are now telling me that I have not provided them with enough proof that I made the payment. They have stated that they will contact the local bank to see if they can confirm my version of events. My credit history now hangs in the balance of the memory of a bank employee who already mistakenly applied the funds entirely to escrow. How is this right? How is this not fraud? This is not the first time I have had issues with Chase as it relates to this same mortgage account. A few years ago, Chase, without warning, sent me a FedEx envelope with a {$1500.00} refund check and a mortgage rate adjustment. The included letter stated that this was because of my XXXX XXXX military service. The problem is I am not XXXX XXXX military. I called them to explain this to them and they insisted I was wrong. I demanded that they cancel the check, return the allocated funds to the correct account, and return my interest rate to the correct amount. This refund was an obvious mistake, yet they wouldn't believe me. I had to contact the XXXX. of XXXX Affairs to get the paperwork necessary to prove that I wasn't in the military. During this process, Chase had instructed me to just keep the money and keep the rate adjustment " for all of the trouble. '' I refused. I explained that they were asking me to commit a federal crime and moral crime. XXXX XXXX is serious and I will not stand for it. To correct the account, they had to put my mortgage in suspension and was told not to make payments. I knew better than to trust them on this, so I kept sending my mortgage payments as normal. After three months I got a call from Chase stating that they had resolved everything. Then two weeks later I received a letter saying that I was being turned over to collections for not paying my mortgage for three months. Chase cashed all of those checks but said I didn't pay. I had to get copies of those three checks sent from my bank to Chase to prove it was paid. Chase put those funds in a phantom account linked to my mortgage but didn't apply them resulting in an erroneous delinquency. How can this happen to the same mortgage account? How often does this happen to other Chase mortgage accounts? I can not be the only one so negatively impacted by Chase 's sloppy record keeping and processes. How many late fees has Chase collected over erroneous delinquencies? How many credit histories has Chase corrupted through their erroneous reporting? How many people have been encourage to commit a federal crime? | ||||||
| 02/25/2021 | Yes |
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| JP Morgan Chase Bank, N.A. ( my bank ), more specifically, Chase Card Services ( " CCC ) and their affiliates from XXXX XXXX XXXX, XXXX, DE XXXX sent me a letter dated XX/XX/XXXX threatening to sue me for credit card charges of {$10000.00} that Ive long-since disputed in writing and to which CCC refused to respond, short of this letter, and some 9 months after the fact. This PO Box attaches to XXXX XXXX XXXX XXXX XXXX XXXX, ( collections lawyers no longer in business ) and XXXX XXXX ( absorbed by CCC ) at XXXX XXXX XXXX, XXXX, DE. I never entered into agreements with these entities, who are clearly predators. In addition to breaking a number of regulations, CCC has broken its specific Consent Orders here with the CFPB entered on XX/XX/XXXX. After reviving CCCs threat, I called the toll-free number on the CCC letter. The first CCC Agent refused to allow me to record our dialogue yet insisted on me being recorded. Ive already proved this as unlawful in CA unlimited Courts against a bank larger than CCC, with substantial punitive damages in Pro Per. This Agent refused to ( a ) allow my chosen advocate to be on the line with me, ( b ) give me their physical address, ( c ) give me a breakdown of all costs and the debt alleged, ( e ) tell me who they are regulated by, ( f ) what their entity and NMLS numbers are, ( g ) provide me with the original statements front and back, ( h ) provide me with the definition of what For undeliverable mail only means which is found on copies of CCCs statements, ( i ) provide me a copy of the contract, ( j ) provide me with a copy of their resolution policy, ( k ), confirm that I received no prior notice to the demand and threat of litigation, ( l ) provide me with their State Registered Service Process Agent, ( m ) tell me whether they charged off the account or not, ( n ) tell me whether they reported this claim to the three Credit Score Agencies, ( o ) tell me if they sold the alleged debt and in general refusing to cooperate with me over information they are legally obliged to provide on oral request after verification of my person. I recorded these calls as CCC discloses all calls may be recorded as a matter of their own policy. One agent actually agreed in the beginning of the call that the call was, in fact, being recorded. After I asked very specific questions she changed her mind and no longer gave me permission to record while still insisting on recording me. How am I ( or anyone ) to communicate with any alleged vendor over any alleged debt when they insist upon recording me but refuse to be recorded themselves? I ran my credit report to discover that CCC did in fact receive my dispute despite denying it now, and that my credit score has been eviscerated to XXXX primarily over this account, and CCCs actions. Upon issuing a verbal dispute, CCC failed to provide me the proper dispute form. Frustrated, I met with the Branch Mgr., ( XXXX XXXX ). I am a regular client, and XXXX knew me as such. XXXX contacted CCC and they promised on speaker phone to mail the dispute for to my PO Box as an alternative to their failure to simply MAIL ME THE RIGHT FROM TO MY HOME. Months later, still no form and I was back in with XXXX and on the phone again with CCC. CCC told me/ us to write the dispute out in my own words and fax it to them FROM THE BRANCH. I did so the same day, and through XXXX. Months later, still no answer from XXXX. I went back to the branch and faxed the same letter ( ccing my lawyer ) through XXXX, a CCC Officer. Afterwards, I never heard back from CCC until this XXXX XXXX letter threatening litigation. I met with XXXX and the new Branch Manager last Friday ( XXXX ) at XXXX XXXX wherein she confirmed everything in this report as a matter of record. CCC Agents told me they have no affiliation with Bank Branch Managers, or Chase Bank at all. This is incredulous on its face given that the fact the CCC account was solicited by a former Chase Bank Agent, opened at the branch, and the dispute letters faxed from the branch. I am entitled to know what entity is attempting to collect this alleged debt as any court would require full disclosure of parties. This is all underscored by the fact that I have over {$300000.00} in the XXXX and my XXXX and personal accounts reside there. This is an attempted money grab and will be met with a proportionate response ; not my first time to this rodeo and CCC will LOSE this one, but not as plaintiffs. I was approached by a Chase Branch Agent, Mr. XXXX XXXX ( now at the XXXX XXXX, CA Branch ). Knowing I am a successful civil litigant with emphasis on financial fraud and torts, ( it's well known ), XXXX asked me as a Chase Client to help him against a collection matter involving XXXX XXXX. It was an auto loan case, ( cases XXXX & XXXX ). XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Although I found it highly inappropriate that my Bank would ask for and receive my services, expertise and time for free - I did it anyway because I felt bad for the man. I actually believed Chase was different than other major banks and actually referred many mortgage clients to the Branch Mortgage Officer pointing out to consumers Chase will not sell servicing rights if you bank with them and enter auto pay. Turns out Chase is just as CRIMINAL as XXXX XXXX and XXXX XXXX XXXX | ||||||
| 10/06/2020 | Yes |
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| I had been a Chase cardholder for over a decade. I have never missed a payment and my account has always been in excellent standing ( as reflected on my credit report ). I tried to purchase some meds that I get by mail order and my payment would not go through. On XX/XX/XXXX I called the customer service line and was informed that my account was closed on XX/XX/XXXX and a letter mailed to me ( which I have still not received to date ). On XXXX and XXXX I made three extra payments, with nothing due at that time. This year I was able to pay off all credit card debt and now pay purchases as they post or at least pay off the card in full every cycle. I did not realize that Chases online system auto-populates the payment funding account to the last account you used so the payments tried to pull from savings that I dont often use. As soon as I realized what happened ( before even receiving notices ) I paid the card from my checking account with I had originally intended. Chase has used the returned payments as a reason to close my credit card. There was no warning or communication that these returns could cause negative account consequences. The returned item notices gave no indication of closure and even thanked me for my business. They also did not charge me any, so it seems that it was not even serious enough to warrant a fee. Clearly, the decision to close my account was not made at the time of the returns but almost two months later. The timing is suspicious. I had an {$18000.00} credit line which closing could affect my credit score. The only reason I can see that they would review my account and close it almost two months later is that they are using it as an excuse to close my account because I dont carry a balance ( they dont make interest off of me ) and I redeem about $ XXXX {$60.00} of points in statement credits per month ( which there is nothing against in the account agreement and the whole reason I opened this card ). The reason provided to me over the phone on XX/XX/XXXX by XXXX a supervisor ( who refused to let me speak with anyone higher ) was that my account was closed because of the returned payments. However, according to my account agreement, there is no clause that states returned payments could result in account closure. The only clause that deals with returns state We may charge this fee if the payment you offer to us is not honored, is returned unpaid, or can not be processed which has nothing about closing an account ( and was not charged ). The only other clause that allows them to close an account is We are not obligated to honor every transaction, and we may close or suspend your account. Sometimes we close accounts based not on your actions or inactions, but on our business needs. however the reason given to me was based on my action and not a business need. It is clear in their agreement that my contract/account was not terminated in a legally allowable manner ( see attached account agreement ). I called on XX/XX/XXXX and requested to speak with a manager. I was transferred to XXXX a supervisor who kept telling me what dont you understand, you had a returned payment. XXXX stated they dont have an external email so could not send me my account agreement, he told me it is not available online, and they could also not send me it via the online messaging system. He also would not cite to me the clause that gives them the right to close it. Seemingly he did not want me to look at it. Also, he stated that a loan is not a contract, which is grossly incorrect. On XXXX I messaged chase that I had a right to obtain my account agreement to which they sent me a direct online link. Why was this not supplied immediately the first time I called on XX/XX/XXXX. This closure appears to be a deceptive way to get out of their relationship with me since they dont see my account as profitable, with complete disregard for their effect on my credit and overall financial health. I also have all my automatic I have to switch, not to mention the fees I would have incurred from other companies if those payments bounce since I did not receive any notice it was closed. They say they sent me a closure letter the same day the account was closed XX/XX/XXXX, but then why does it not show up in the Notice and Letters section of online banking ( See screenshots attached ) like the returned payments notices do, which suggests a closure notice was not actually sent. To date, I have not received any closure notice. This to me appears to be a violation of Reg Z closure notice requirements, a breach of contract/account agreement, and the whole issue is a possible UDAAP violation. I have worked in the financial sector for over a decade and we would not dream of closing someones account who 1 ) for a reason not legally supported by the account agreement, 2 ) when the client had over a decade of excellent account history, and posed no threat to the financial institution, 3 ) for one mistake, that was an extra payment, 4 ) that did not negatively impact our financial institution, and 5 ) that was the fault of the online system auto-populating the wrong payment account. Their actions are unconscionable and I am being retaliated against for not being a profitable client who is financial responsibility and does not regularly pay interest anymore. | ||||||
| 05/27/2022 | Yes |
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| I recently opened account with chase and deposited 5 checks via mobile deposit from the XXXX of XXXX to the XXXX of XXXX. The first check I deposited on XX/XX/XXXX was for XXXX bucks and from a lady for work. Chase cleared this check 7 days later and called to verify the check was actually written by the lady. Then I cashed a 540 dollar check on XX/XX/XXXX from a different company and a XXXX check on XX/XX/XXXX from the same lady that gave me the XXXX both of these checks chase said bounced and said I needed to refer to maker as they had reason to believe they wouldn't be paid. There where two other checks for XXXX each from the same lady. She was contacted by chase and cleared all check written by her to me. Due to the fact that chase said the XXXX and XXXX where returned due to the checks not being paid which is what they where telling me I informed them that the XXXX dollar check had been taken out of the ladies account and she hasn't received anything saying those funds would be returned. The XXXX dollar even though the company informed me that it never was debitted from their bank they went ahead and reissued me a payment. On or around the XXXX of XXXX chase again said those two checks didn't clear and that the both where returned due to the bank assuming the checks wouldn't be paid and they also where holding my other payments and saying they where going to close my account due to these checks bouncing. So this is when I had them call and verify with the lady that the check where actually given to me from her and she knew and verified the funds had been taken from her account. Chase as of XX/XX/XXXX has not allowed me access to any of my funds and has attempted to tell me that they are closing my account and mailing me a check for the remaining balance. I also in this time recieved a check image for the checks they say that where returned and am including these images cause of the routing number on the check themselves is the proper one but they have typed in below that a 4 in front of the routing number sysmbol which is an error and most likely has caused the check to be returned with the reason of XXXX XXXX XXXX XXXX XXXX which the XXXX is for a non exsisting account. Also the check images I have are for the dates of XX/XX/XXXX for the XXXX and XX/XX/XXXX for the XXXX. On the back the transaction detials for the XXXX dollar check show a XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX RR-S then XXXX XX/XX/2022 XXXX XXXX then XXXX XX/XX/2022 XXXX RR-S then the XXXX dollar check tranactions are as follows XXXX XX/XX/2022 XXXX then XXXX XX/XX/2022 XXXX XXXX then XXXX XX/XX/2022 XXXX XXXX then XXXX XX/XX/2022 XXXX RR-S. The maker has no idea why it would have been returned after they debited her account for the XXXX plus the reason Refer to XXXX says nothing about the reason and actually the imaged check states that this check is a legal copy of your check. You can use it the same way you would use the original check. This statement from what I read when returned refer to maker the checks arent suppose to be able to be reused. This error has caused me not to receive the funds for the XXXX and has not be replaced in the makers account either and along with the XXXX caused Chase to not allow me access to my funds from the XXXX of XXXX till now for no real reason they have provided and due to that I have suffered loses from not being able to access my cash with in the legal time frames for cashing checks it has been XXXX business days since I cashed the XXXX dollar check and 5 days for the last deposited check and there is no bounced checks or check that would have been assumed to have any reason not to be paid. They have held my funds not allowing access even after the checks had been verified and have sent me check images stating reason for return is Refer to XXXX and still have my account on restriction this is even after telling me that everything had been cleared up and I would be able to access my funds. They also closed my accounts with out any explanation casuing me to have no access to any online check images, transactions, or statements without prior notice and while there where pending transactions and no wrong doing on my end. This is the worst treatment I have ever recieved from a bank instatuition in my life and very poor customer service. They choose to act rude and disrespectful and even while I was on the phone with them over a recorded call I stated that I was also recording the call and asked the lady on the other end to explain to me the reason they could hold my check for more than the 5 days and she said unless i told her the call wasnt being recorded she could not provide me that answer. Chase is apperantly okay with holding money for as long as they want, not allowing you access even after funds had been verified and everything possibly that could be done has been, tell you everything is all good while knowing you wont be able to access them and then telling with out a reason or notice that your account is being closed. I will never again bank with chase or recommend chase to anyone they are the worst bank ever and have no care for the customer seeing that all there tech support isnt in this country or of forgien race and they dont care to abide by any of the US check cashing laws. | ||||||
| 11/27/2020 | Yes |
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| XX/XX/XXXX -I called about the unauthorized activity on my account. Your claims department had hold times that was over an hour long. I called several times, waited on hold to be transferred to the online claims department because quickpay transactions were involved. I waited on hold for over an hour multiple times and would get disconnected. I literally spent an entire day trying to get a hold of someone who could help me and then the department was closed after many attempts. I asked social media what could be done because I was not getting through. They told me to fill a dispute form and send it through XXXX. I was advised it was recommended. It was impossible to reach the online claim department by phone so I communicated with them through XXXX. I made it very clear that I never sent anyone money through quickpay and that my wallet and my device were stolen and I had filed a police report. All these quickpay transactions were sent to one individual who I have never met. The last time the card was used fraudulently was for a XXXX transaction also to the same person. The police are aware and in the police report provided to chase I elected to retain victim rights which means I would press charges. However, all this information I provided to chase was not getting to the right person because my claims started to get denied. I got a hold of a specialist who said they were a supervisor and she stated because facial recognition was used that my claims were denied. I told her " '' ok ... my device was stolen which I already informed you of so it doesnt surprise me if they added facial recognition to the device. '' The chase agent was dumbfounded and asked how did I inform them and I told her I sent a copy of the police report and answered the questions you asked of me through your message center online which they acknowledged they received. That is when I was told that was not how it need to be sent that I needed to fax it in and request it be added to each claim before the denied claims could be re-evaluated which is ridiculous she was looking at the report I had already sent. I faxed it over during the call and asked her if she could check it and she stated in need to wait 2-3 days to check. Ok I called day 3-5 and my fax was still not worked. In the meantime you guys kept denying more claims and the reason for those denials were because the card was present and it uses a chip so it cant be counterfeited. I couldnt believe it. I dont know how clearer I could have been when I stated my card was stolen I mentioned it several times. So finally you guys say you guys received the fax after I spoke with a supervisor I was told in 2 days the case will be reviewed to see if it is eligible to be reopened its been over 5 days despite multiple agents telling me they notated the situation so everyone was on the same page about what happened. After getting nowhere I filed a complaint with the CFPB and sent an email to the executive office at chase and XXXX who stated she was an advocate would try to help me resolve my issue. She just needed me to respond to some additional questions. I sent her an email with my response. I did have two cards and both cards were stolen along with my wallet. I havent used either card in months. I didnt notice my wallet and device were missing until XX/XX/XXXX which is actually when I made the police report. According to the police report they arrested the individual on the same day and has been in custody. This individual after further research has actually been to XXXX for credit card theft and XXXX before and was convicted. So this isnt the first time they have done this. I was in the hospital XXXX XXXX, XXXX XX/XX/XXXX I was in the hospital multiple times because of XXXX and XXXX. When I wasnt in the hospital I was in pain and sick. I reported all these transactions at the same time and tried to report it on XX/XX/XXXX but couldnt get a hold of that dept despite multiple attempts and long holds so I had to send a XXXX. XXXX then responded Our goal is to give exceptional service every time you contact us. We are sorry for the long hold times on the phone and the disconnected calls. Although we are operational with limited staffing during the COVID-19 situation based on local health guidelines, our level of service should be the same. We reviewed the additional information you gave us. After further review, our claim decisions were correct. We may reconsider the claims if you tell us the make and model of the device that was used and give us documentation from your provider showing the device was replaced because it was lost or stolen. We also need to know the last date you remember using your card. You sent us an email on XX/XX/XXXX, confirming you understood why your card was replaced. You can call us at XXXX to give us the requested information or you may fax it to XXXX. I responded with the additional information XX/XX/XXXX. The additional information was the make and model of the device that was stolen and a purchase reciept of a new device to show that I had bought a new device because it was stolen. Despite giving them this information, I have not received any type of communication from chase and nothing has been done. I was able to give everything they asked of me to resolve this and yet im still waiting | ||||||
| 08/30/2022 | Yes |
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| I represent a Chase Bank holder of a checking and savings account. Between XX/XX/XXXX and XX/XX/XXXX unknown persons made a total of fifty seven fraudulent and unauthorized electronic funds transfers from my client 's Chase checking and savings accounts. The unauthorized charges appeared on his monthly statements for the periods ending XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made demand upon Chase by letter dated XX/XX/XXXX, and provided Chase with my client 's bank statements reflecting the unauthorized transfers. My client reported the unauthorized transfers to Chase Bank on XX/XX/XXXX. Chase assigned claim numbers and investigated. Chase restored funds on two claims, however with respect to the claims listed below, Chase failed to refund the full amounts to which my client is entitled, in violation of the Electronic Funds Transfer Act ( 15 USC secs. 1693-1693r ). The total amount of funds owed by Chase is {$140000.00}, which represents the value of unauthorized electronic funds transfers for which my client is not liable under 12 CFR 1005.6. There is no question that these transfers were unauthorized, and the bank statements themselves demonstrate Chases obligation to restore these funds. Because there is no legitimate basis for Chases denials, my client is additionally entitled to reimbursement of his attorneys fees, which currently total {$2000.00}. The applicable claims information is as follows : The following EFTs from my client 's Checking Account were unauthorized : Date Transferee Amount XX/XX/XXXX XXXX {$9.00} XX/XX/XXXX MoneyLion {$9.00} XX/XX/XXXX MoneyLion {$20.00} XX/XX/XXXX MoneyLion {$1100.00} XX/XX/XXXX MoneyLion {$9.00} XX/XX/XXXX MoneyLion {$20.00} XX/XX/XXXX MoneyLion {$9.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX {$9.00} XX/XX/XXXX XXXX {$20.00} TOTAL {$1200.00} My client gave notice to Chase of the unauthorized transfers on XX/XX/XXXX, closed the accounts and filed a police report with the XXXX XXXXXXXX XXXX XXXXXXXX. Chase restored the {$1200.00} on XX/XX/XXXX, and then without prior notice removed this amount in two withdrawals on XX/XX/XXXX ( {$1100.00} ) and XX/XX/XXXX ( {$120.00} ). My client separately investigated his claim with XXXX. By email dated XX/XX/XXXX XXXX notified my client of the results of its own investigation, and confirmed that the account into which the unauthorized transfers were deposited was opened fraudulently, and that my client did not open nor have any knowledge of the unauthorized XXXX account. XXXX disclosed these facts to Chase on XX/XX/XXXX. The only evidence is that my client did not authorize or benefit from these transactions, nevertheless, when my client questioned the denial of his claim he was told : We can not do anything. This claim is closed. Chase opened five separate claims on charges against my client 's savings account. As with the unauthorized transfers from my client 's checking account, the withdrawals were made by accounts at four crypto currency companies. Chase restored funds to my client 's accounts totaling {$6000.00} for two claims, but the following EFTs from my client 's Savings Account, in the total amount of {$130000.00}, were unauthorized, and must be restored by Chase : Claim XXXX Date Transferee Amount XX/XX/XXXX XXXX {$170.00} XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$98.00} XX/XX/XXXX XXXX {$4900.00} Claim Date Transferee XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$9700.00} XX/XX/XXXX XXXXXXXX XXXX {$8700.00} XX/XX/XXXX XXXX Labs {$5800.00} XX/XX/XXXX XXXX Labs {$8300.00} XX/XX/XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX Labs {$10000.00} XX/XX/XXXX XXXX Labs {$6500.00} XX/XX/XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX {$4800.00} XX/XX/XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX, XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXXXXXX XXXX, XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX, XXXX {$4800.00} XX/XX/XXXX XXXX XXXX, XXXX {$600.00} XX/XX/XXXX XXXX {$630.00} XX/XX/XXXX XXXX {$1500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX reverse {$0.00} XX/XX/XXXX XXXX XXXX, XXXX {$400.00} XX/XX/XXXX XXXX XXXX, XXXX {$980.00} XX/XX/XXXX XXXX XXXX, XXXX {$2900.00} XX/XX/XXXXXXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXXXXXX {$300.00} XX/XX/XXXX XXXX XXXX, XXXX {$250.00} XX/XX/XXXX XXXX XXXX, XXXX {$1000.00} XX/XX/XXXX XXXX {$400.00} TOTAL {$130000.00} I was hired when my client got no further response from Chase. I made demand upon Chase by certified letter dated XX/XX/XXXX. I have been told on two occasions that the matter had been referred to the Chase legal department, and that they could not tell me when we would receive a decision. This is the same response that Chase had given to my client before he was forced to obtain legal representation. | ||||||
| 10/18/2018 | Yes |
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| Hello, On XX/XX/XXXX I received a phone call from Chase informing me of fraudulent activity on my account. This initial phone call went over established fraud in that there were several charges made in another state. During this phone call the representative was asking for account details and began to ask my security questions, including my mothers maiden name. As I am adopted by two men I would not have an answer to that question since I do not have a mother. I informed the rep that I have not been able to log into this account since XX/XX/XXXX and as a result stopped making charges on it. I was told, after speaking to the Chase rep and confirming that there was in fact fraud on my account, that within 30 days the case would be resolved. I did not receive any further email communication or phone calls until XX/XX/XXXX. During this phone call the rep tried to place blame on me, stating that I gave a friend access to my card to use. The fact is that some of these charges were made in Illinois, Texas, South Carolina and I do not know any one that lives in these regions. I was then followed up with on XX/XX/XXXX, in which the rep told me that this case was not fraud but a merchant dispute. After being transferred to the merchant dispute department, they informed me that it was most certainly fraud and that the fraud department would have to call me back to handle the case. I receive this follow up call on XX/XX/2018 in which the rep told me that the fraud charges would be reversed and that all of my late payment fees would be removed as well as the interest that had been charged during this time. It was agreed that there would be a one time payment of {$67.00} to be taken out on XX/XX/XXXX and that may payments would go back down to {$25.00} after from here on out. On XX/XX/XXXX I took a screen shot of my account to show what charges were pending to be reversed. According to this the new balance after all charges were reversed should have been around the sum of {$2000.00}. However, on XX/XX/XXXX I logged in again and took another screen shot that showed that the total balance due was now higher and had nearly doubled as well as all of my reward points earned were removed. At this point I called Chase to question why this had still not been taken care of. They began to ask me for a verbal password for my account which I had not set up, so they began to reset my account password. During this call I was informed that the rep working on my case would call me back on XX/XX/2018 at XXXX to go through each charge that was made since XX/XX/2018. When this time came around, I did not receive a phone call from them. I attempted to call Chase and as they were transferring me to the rep working on my case, the call was lost. I then received a call back on XX/XX/XXXX in which I was hung up on after being transferred around for 25 minutes. I called back and they informed me that they would be sending my account to collection as it was reported as past due even though Chase had authorized a {$67.00} payment on XX/XX/XXXX ( originally scheduled for XX/XX/XXXX as stated above ). They stated that there was no record of any calls with me pertaining to fraud on my account. At this point Chase informed me that they would have a rep call me back at a later date to reopen the case. On XX/XX/2018 I receive a phone call from Chase stating that the fraud charges would not be reversed as there was a note on the account stating that I had consented to the charges, even though in the previous conversation they stated that there was no record of fraud on my account at all. I was then contacted by collections on XX/XX/XXXX stating that the account was going to be closed because of past due payments. The last payment was received at the end of XX/XX/XXXX for the amount of {$67.00} and the account shows that the past due payments were reported before the payment was ever taken. This process has been going on for several months with no resolution. According to you guys at the Consumer Financial Protection Bureau : { The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it. The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. If the card issuer determines that no billing error occurred, it must mail or deliver an explanation of the reasons why it believes that no error occurred. If the card issuer determines that a billing error occurred as claimed, then it must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you. } During this investigation my account has been charged interest and Chase has continued to collect on this account. Chase has also reported delinquency on this account to the creditors during investigation, which has now ruined my credit score, even as the monthly payments were being made. I have yet to receive any email or paper mail notification of the fraud case being handled and Chase has had this investigation open for more than 2 billing cycles now. I am aware of my rights as a card holder and I know that Chase has made infractions against my rights. | ||||||
| 04/17/2021 | Yes |
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| In XXXX of 2020 I was in the process of moving away from New York, and my spouse and I decided to sell a number of items on XXXX. I receiveda suspicious check in the mail from someone who supposedly wanted to purchase a rug from me. The check was for far more than the rug itself, as the buyer had asked if they could send some extra money for me to pay movers who would then pick up the rug. The communication up to that point had been normal, and so I gave this individualthe benefit of the doubt ; however, I did have a strange feeling about the check. I almost always use mobile deposit, but in this case I wanted to ensure the check was real, so I took it to the branch at XXXX XXXX to speak to someone at Chase about it on Monday, XX/XX/2020. I was greeted by a woman at the front of the branch ( I do not remember her name, but branch manager XXXX XXXX XXXX knows who this was XXXX, who asked how she could help me. I told her that this check was mailed to me by someone I had been communicating with from XXXX. I then explained that I had reservations about the check and told her that I had come to the bank to confirmthat the check was valid. She said she could help and brought me over to a teller. She asked if I knew the person who issued the check, and I said that I had exchanged texts with them but did not know them personally or have their name. She asked the teller to look at the check, and then asked him if this was a real cashier 's check. The teller said that everything looked good, and pointed to the corner of the check, saying that it was issued by XXXX Bank. He proceeded to deposit the check. I was surprised at how quickly this happened, and I asked both of them again if that was all that had to be done to ensure this was a real check. The female teller told me not to use the money today, but that if the money was in my account tomorrow, then I would be good to go. The next morning XXXX XX/XX/XXXX ) the money was available in my account, so I transferred money to the supposed " movers '' who were supposed to pick up the rug that I was selling. I transferred out {$1400.00} over two different transactions of {$710.00} each. Both payments also required a XXXX fee of {$21.00}, so the total amount of money leaving my account was {$1400.00} The communication with the issuer of the check then turned much more suspicious ( I had transferred the money out via XXXX and they asked me to reverse the transaction and use XXXX ). At this point I understood I was being scammed, and I immediately called both XXXX and XXXX to try to reverse the transactions. Because I had transferred money via XXXX, Chase said they were not able to stop the transaction. XXXX could not reverse the transaction either, so I went to my local police department. At the police department, because I did not yet have proof from Chase that the check was fraudulent, they were not able to confirm that a crime had been committed and were therefore unable to file a police report. The police advised me to call both XXXX and Chase to see if the transaction could be reversed. XXXX was not able to do anything, so I called XXXX to reverse the transaction. At the recommendation of a Chase rep over the phone, I filed a " services not rendered '' claim, which was later denied. I then went back to the XXXX XXXX branch to confirm that the check was fraudulent so that I could file a police report. The Chase representative I spoke to there ( I believe his name was XXXX, but XXXX would have to confirm ) was extremely helpful. It was only then that a Chase employee finally alerted me to the fact that a check clearing after XXXX hours does not guarantee the checks validity. XXXX said that it was too late in the business day to officially verify the check, but that I could call tomorrow. He also looked at photos of other checks that had been issued by XXXX XXXX and told me that they looked very different from the XXXX check. The following day ( XX/XX/XXXX ) I went to a Chase branch near my home uptown, and XXXX XXXX was able to confirm the check was fraudulent. I then went back to the police department, and detective XXXX XXXX XXXX advised me to again resolve the issue with Chase before filing a report. I then spoke on the phone with Chase reps, who sent me to XXXX XXXX ( manager at the original branch ), who was very kind and did her best, but ultimately was not able to help. XXXX told me that I could bring this issue to the Chase complaints department and ultimately the Chase executive office. The executive office ( contact there is XXXX, phone XXXX ext XXXX ) has reviewed my story but left me a voicemail maintaining that there was no bank error. I have tried to call XXXX back to discuss, but he has not returned my calls. Even though I had specifically come in to discuss a potential fraudulent check and had clearly asked for help in determining if this check was real or fake, no one at Chase on XX/XX/XXXX told me that it can actually take much longer than XXXX hours for a check to officially clear. That day, the employees at XXXX XXXX not only withheld this useful information, but also lied to me when they told me that if the money was available in my account the following day, the check was good. As a result of Chase 's lying and misguidance, I have lost {$1400.00}. | ||||||
| 09/01/2019 | Yes |
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| On XX/XX/XXXX I recieved a Check in the amount of XXXX XXXX for the sell of my property in XXXX Tx. I have a durable poa that handled all my transactions as i requested the sell is complete notorized filed and recorded tghe buyer has possession of my prior residence, I called Chase Bank on XXXX XXXX XXXX XXXX XXXX i explained i was XXXX XXXX and mobility was an issue she informed me to open bank account online and have my poa bring unsigned check to bank branch which i did on XX/XX/XXXX my poa which is notorized legal binding document, she is also my successor and has all rights to conduct my buisness to handle my financial affairs and real estate on my behalf. This is how they tricked me into opening an account online which states you dont have to step 1 foot in bank branch and then bring an unsigned check deposited into my checking account which is against there very own policy, but they sure didnt tell me such and still hasn't my poa went to bank branch on XX/XX/XXXX with certified copy of durable poa because title company has to have original to get the contract recorded, so we called to get original that has been filed recorded and made public record, now this banker thinks i dont exist i dont care what the XXXX he thinks, i have occurred such financial hardships due to chase bank restricting me from all access to my money i wanted my simple checking account that the check was deposited into and cleared on that monday they did not honour any of my request to access any of my money as stated in Expeditted Funds Availability Act, or comply with XXXX XXXX XXXX there reasoning to get myself to branch is to have my XXXX year old poa XXXX me from XXXX put me in her car can ; t get XXXX into car and drive me there and come tnrough drive threw at bank that is there recommended accommadation for elderly XXXX woman to access her funds to a federal building a bank is suppose to uphold and value trust relationships between client and bank they should have never accepted an unsigned check of that amount there only policy which i have requested muliple times without any reasoning or issued to me in writing therfore this checking agreement is in breach of contract this is my money they are not entitled to keep it from me so they can drawl there XXXX dollar a day interest on a bank account that has been closed by my request and i recieved email on XX/XX/XXXX stating account was closed and check should have been issued withen 48 hours as law states but they have informed me it would take 7 to 10 buisness days my poa went to branch with all original documents and presented these documents to the same XXXX banker that acceppted check and he outright refuses to accept my poa or any of my request i have been told so many lies by so many customer services and branch employees i dont no were my money is they have no right to hold it without court order saying so iam demanding my money be returned to me immediatly as this is my only income the personal banker took my cards from poa and claimed he would shred them he is a lyer a theif an oppurtunist and a predator of stealing peoples money im still getting alerts that my closed account is a XXXX balance and must retrain there XXXX dollar arrangements so there taking my money by stealing threw that way as well i can not get an honest answer from anyone there should be no restriction or holds on my account i only accessed XXXX of the XXXX XXXX that i deposited and now have no access to and he wont honour my poa that sold my house and its a legal recorded document for her to act on my behalf as if she was me she has lost her vehicle almost her job she now has to walk to work she is entitled to compensation on my behalf for handling all of my affairs and caring for me at her expences not to mention the contracts i signed with independant assistance living senior housing the loss of my XXXX XXXX XXXX vehicle between those 2 cancelled broken contracts that cost me a little over XXXX thousand. they have prevented and made XXXX sure i could not access my money by any means to get to there branch my poa has XXXX XXXX XXXX in XXXX of XXXX and 2 XXXX XXXX in XXXX XXXX they will not come to my residence my poa has spent so much money in moble notorys which she shouldnt of had to because the original poa was good enough to sell my home but this banker wont accept it cause he wants to steal my money none of these agreements are to be honoured because tghey were all based on lies and a set up for them to steal my money i will have to now hire a attorney due to this banker iam very upset that a financial institute can keep your money like this the fraud exploitation is all on them i dont have 15 days to wait for my money i want it now and i mean every bit of it i dont have to disclose a XXXX thing avout my own private matters and i dont need them to manage my money there term to steak it or dictate to me who my poa should be or how to spend it i already established identity at another bank i want my money issued into this bank immediatly or my poa to pick up my funds the same way they tricked her into depoisit it into a knew online banking account and no endorsement needed with such large amount hge knew whgat he was doing all along i wil not be taken for a fool or let thus XXXX steal my money by any means | ||||||
| 04/29/2020 | Yes |
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| I purchased airline tickets from XXXX on XX/XX/XXXX that have been charged on my account under XXXX. On my statement there are two charges for {$740.00} totaling {$1400.00}. I needed to cancel my trip and attempted for weeks to cancel through XXXX and receive a refund for the flight. XXXX is not correctly applying their change/cancelation policy and refuses to assist me with this issue. XXXX did not give me a refund for this flight and is ignoring their refund policy. XXXX website, phone lines, and app were all out of service. I attempted to contact XXXX multiple times through multiple channels to cancel my flight, but was not able to contact their company whatsoever. After sending numerous customer wide emails apologizing for their lack of service XXXX sent out an email with instructions on how to complete an online form to cancel a flight. This was the only possible way to cancel the flight. I completed the form as early as XXXX would allow, on XX/XX/XXXX, for my flight on XX/XX/XXXX. I received a dated, confirmation letter for my cancelation which was completed before my scheduled flight. I attempted to contact XXXX every day about canceling my flight as I still received flight updates for the flight I had attempted to cancel. I was able to contact an agent online as XXXX phones were still not operational. I asked the agent about the status of my refund and was told that they could not help me or give me a refund because I had not canceled my flight before the departure. I was told XXXX would not help me with this and was instructed to contact the airline, XXXX, for assistance. I told the agent I had canceled through XXXX recommended ( and only ) way of canceling and sent my dated cancelation confirmation as proof. The agent told me that they could not assist me and ended the chat. I contacted XXXX, as XXXX recommended, but XXXX told me that they were not in control of the situation or reservation and the policy is for XXXX to handle this entire process. I explained to the assistant the above stated situation and was told XXXX could not help me and informed me that I was given incorrect information by XXXX. I have attempted to contact XXXX, but I am unable to be assisted over the phone or online as I dont have an upcoming flight. XXXX is not correctly applying their change/cancelation policy and refuses to assist me with this issue. XXXX is refusing to give me a refund for my refundable flight. They are refusing to assist me with my refund. This is going against their cancellation policy. I called Chase on XX/XX/XXXX and disputed two charges from XXXX, charged through XXXX, on XX/XX/XXXX for {$740.00} each, totaling {$1400.00}. I was told over the phone by the Chase assistant these charges would be written off by Chase and were not a dispute. I asked for clarification about a dispute vs. a write-off and was told, A dispute was different and that Chase would take a loss and credit my account. I was never asked about what happened or why I was attempting to complete a chargeback. I was never asked for additional information about this issue, even though I am in possession of proof of my issue. After talking to your assistant I received no temporary funds or additional information about my issue. I sent messages to Chase requesting more information and questioning where the funds were for this issue. I received an email on XX/XX/XXXX asking for proof of my dispute. I sent the information about my inability to communicate with XXXX and their refusal to assist me. I also sent the dated confirmation of my attempt to cancel my flight. I did not receive a confirmation for my message. I sent additional messages to Chase asking for any information on my issue. I called Chase on XX/XX/XXXX and was told that my dispute had been closed, but not in my favor. I was told I didnt send in information about my dispute so the case was closed. When I asked clarifying questions I was told the assistant could not help me and the original assistant gave me incorrect information. I told the agent that I did send in information when prompted by Chase, but the agent told me I had to write a letter requesting my claim be reopened as it was closed. I have written multiple letters and have sent in digital messages to Chase. All have been ignored. Chase can go back and listen to both recordings of my interactions with their agents. I was given misinformation about my claim from the first Chase agent. If I had been given the correct information by her I would have been able to provide more substantial information that would result in this claim being resolved in my favor. I have not been provided a service by XXXX and they are refusing to assist me. They are going against their policy. XXXX is not correctly applying their change/cancelation policy which is why I started this claim. I have been a loyal customer of Chase for over ten years. I have recommended Chase to both my friends and family members. I have an excellent credit score and have never had an issue with delinquent payments in my entire time using Chase. I do not understand why I was given such incorrect information from your agent which has apparently resulted in my issue being closed not in my favor. This is extremely frustrating and I expect this issue to be resolved. | ||||||
| 01/14/2022 | Yes |
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| Background : On XX/XX/XXXX, I used XXXX travel points on my Chase credit card ( Original Payment ) ( equivalent in value to {$780.00} USD ) to purchase a flight from XXXX XXXX, CA, United States to XXXX XXXX, XXXX ( departure flight scheduled for XX/XX/XXXX and return flight scheduled for XX/XX/XXXX ) ( Original Flight ). I purchased the Original Flight through the Chase credit card travel website, and I received the following confirmation details : Itinerary # XXXX ; Booking ID # XXXX. On XX/XX/XXXX ( Customer Service Call # 1 ), I called Chase Customer Service to ask what would happen if I cancelled the Original Flight. The Chase representative said the following : - If I cancelled the Original Flight, I would receive a travel credit in a amount equal to 100 % of original ticket value ( {$780.00} ), plus an additional 15 % in value ( {$71.00} ) ( Travel Credit ). - The Travel Credit would need to be used to book a flight with the airline within one year from the travel credit issue date and travel would need to be completed within XXXX days after the date of rebooking. - In order to receive the Travel Credit, I must cancel the Original Flight at least one day prior to departure date. - She would record the Travel Credit details on my Chase account so theres a record of it. - She advised me to hold off on cancelling the Original Flight since there was still a lot of time before the departure date. Relying on the information she provided me, I held off on cancelling the Original Flight. On XX/XX/XXXX ( Chase Customer Service Call # 2 ), I called Chase Customer Service to re-confirm the information I received during the Chase Customer Service Call # 1. The Chase representative said the following : - She acknowledged the Travel Credit details noted on my account, which was added by the previous Chase representative. - When I was ready to cancel the Original Flight, Chase would escalate my request to their travel team in order to issue the Travel Credit. - She reiterated that I only needed to cancel one day prior to the departure date. She also advised me to hold off on cancelling the Original Flight since there was still a lot of time before the departure date. Relying on the information she provided me, I held off on cancelling the Original Flight. On XX/XX/XXXX ( Chase Customer Service Call # 3 ), I called Chase Customer Service to cancel the Original Flight and receive the Travel Credit that I was promised. However, the Chase representative said the following : - Even though there was a note about the Travel Credit on my account, I would not receive it. - Chase would need to listen to the recordings of the Chase Customer Service Calls # 1 and # 2 to investigate what their representatives told me. If they confirmed what I was describing to them, they would honor the Travel Credit. - Chase would email me with an update on its investigation findings within 5 business days ( by XX/XX/XXXX ). - She advised me to hold off on cancelling the Original Flight until after Chase completed its investigation. Relying on the information she provided me, I held off on cancelling the Original Flight. On XX/XX/XXXX ( Chase Customer Service Call # 4 ), I called Chase Customer Service because I still hadnt received an update about the investigation. The Chase representative said the following : - She didnt have an update on the investigation, and she would need to submit an escalation to their investigations teams. - Chase would email or call me with an update on its investigation findings within 72 hours ( by XX/XX/XXXX ). - She advised me to hold off on cancelling the Original Flight until after Chase completed its investigation. Relying on the information she provided me, I held off on cancelling the Original Flight. On XX/XX/XXXX ( Chase Customer Service Call # 5 ), I called Chase Customer Service because I still hadnt received an update about the investigation. At this point, I couldnt hold off any longer on cancelling the Original Flight as it was nearly 24 hours prior to the departure time. The Chase representative said the following : - He didnt have an update on the investigation, and he would need to submit another an escalation to the Chase investigations teams. - Chase would email or call me with an update on its investigation findings within 72 hours ( by XX/XX/XXXX ). - He advised me to cancel the XXXX XXXX in order to avoid no show status from airline. - My cancellation of the Original Flight would not affect the investigation. As of today ( XX/XX/XXXX ), I still havent gotten any email or phone update from Chase about the investigation into its original promise of a Travel Credit. Issue : Chase has repeatedly provided false information and failed to resolve a complaint I submitted to its investigations team. Chase falsely promised me I was eligible for a Travel Credit associated with a flight I purchased through the Chase travel program, and it has failed to honor its promise. It has also repeatedly failed to resolve this issue within the time periods it committed to me. Request : I would like Chase to refund the Original Payment to my account, or at least honor the Travel Credit that it originally promised me. Chases false statements and inaction are illegal and exploitative against consumers. | ||||||
| 04/29/2022 | Yes |
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| Victim of Identity Theft and Wire Fraud. On XX/XX/2022, at approx. XXXX Eastern Time an individual walked into a Chase Bank in Virginia and using a fake TX driver 's license was able to wire out {$10000.00} out of my savings account to XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX Maryland XXXX An automated email from Chase was sent at XXXX Central Time saying, " We sent your wire transfer ''. I received this email and called Chase Bank within 30 minutes to stop this wire transfer and dispute it as fraud. I completed this call from the Chase Bank branch next door in XXXX, Texas, explaining that it was obviously fraud because I could not possibly be in a branch in Virginia and 30 minutes later be in a branch in XXXX, Texas. I then completed the Identity Theft Declaration of Claimant ( which the Chase claims person called a Fraud, Forgery Affidavit ) and the Banking Center Manager faxed the forms to Chase ( using XXXX XXXX XXXX XXXX which converts the fax into an email for timely delivery ) within an hour of calling and reporting this fraud on XX/XX/2022. On this Chase form in writing, I also told Chase to immediately stop the wire and refund the funds, as this was fraud. We were using our Chase debit cards and credit cards in XXXX, Texas the same day. It would have been easy to tell that we were not in Virginia, that we have never done a wire, let alone out of a savings account, and that we always show/scan our Chase debit card or credit card when talking to a branch employee. Never just an out-of-state ID. Chase Bank discloses on its website that " Before we send a wire, it goes through an internal review process, and in some cases we may need to contact you to verify your request. '' Why wouldnt presenting an out-of-state ID in a non-local branch not prompt some sort of actual internal review? I called within 37 minutes of the criminal being in the Chase Bank in Virginia, and Chase still could not stop or review this wire transfer??? I was told by the Chase claims person on XX/XX/XXXX this would be 5 business days to process the claim. I immediately completed a police report and submitted it. Later in day on XX/XX/XXXX the local Chase Bank Branch Manager called me to give a little more information about the identity theft from the Virginia branch. The same day, we came back into another Chase Bank to close and reopen accounts, request new cards, and to make sure all accounts were flagged appropriately. I have added Chase auto alerts to the accounts which are all after transactions have processed. There does not appear to be an interdictory system that stops certain types of transactions without approval on personal accounts- such as a wire on savings account. I have been back into multiple local Chase Banking centers updating IDs, asking for updates, asking for escalation. On XX/XX/XXXX I called Chase XXXX number and was told by Claims the wire recall failed and given a case number, and no information as to why the wire reclaim failed or when Chase actually submitted the reclaim. I was told to call another Chase number ( XXXX ) which when I selected certain call options I was sent to a non-working number. After multiple attempts to get another Chase person, they had no idea why I called the XXXX number and transferred me to yet again another non-working number. On XX/XX/XXXX, I had an appointment with the local branch to escalate the process. At this meeting the banking center employee faxed the police report and the FBI IC3 report, which I provided, to the Claims group and added escalation to the claim. On XX/XX/XXXX, we went to another Chase Bank to determine what was going on. We were told that the timing was now 10 days, and communication may only be in writing. We sent an email to the XXXX XXXX XXXXt Director-Banking asking why this ID theft and fraud was not being addressed. On XX/XX/XXXX, this 3rd branch manager called back saying the claim was still pending and to notify us that it could now take 30 days! A Fraud Investigator from XXXX XXXX XXXX XXXX reached out to us about this fraudulent wire transfer on XX/XX/2022, and we still have not spoken to a Chase fraud person. XXXX XXXX XXXX Investigator stated they did not receive the wire reclaim until after XXXX ET on XX/XX/XXXX, too late to stop the withdraw of funds. I told Chase to stop this fraudulent wire immediately on XX/XX/XXXX ; Chases lack of review, delays in reclaiming this fraudulent transaction and subsequent loss should not be put upon the consumer ( me ). I was well aware of the timing sensitivity with domestic wires and acted accordingly, and so should Chase. The XXXX XXXX XXXX XXXX investigator was appalled that the fraud claim had not been processed and suggested submitting a complaint through the CFPB. Chase has not reached out to us about this fraud no one from Chase Fraud, other than a couple instances where a local branch manager called to relay day-of-information or that the claim was still pending. I am the victim here this is significant amount of money, and the actions by Chase Bank to not prevent this from happening ( ID Theft Red Flags XXXX ), their subsequent delay in reclamation, and now moving pending dates are sickening. This is a case of identity theft and wire fraud/account take-over, and the consumer should be reimbursed. | ||||||
| 01/07/2023 | Yes |
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| My husband and I went to our scheduled appointment on XX/XX/XXXX at our local Chase bank ( located at XXXX XXXX XXXX, XXXX, MD XXXX ) to create a joint checking and savings account as we had just gotten married earlier this year. Towards the end of the appointment, the relationship banker we were meeting with essentially upsold us on a credit card, citing an exciting brand new offer of 5 % cash back on groceries and wholesale clubs. We were not really interested in getting a new credit card, but since groceries and wholesale clubs do make up a significant part of our monthly expenses, we asked more about it and ended up applying for the Chase Freedom Unlimited card. As we were getting ready to sign the disclosures, the banker said something to the effect of " wow, this offer is so new that it does not even appear on this screen, but don't worry, I see it in my system and it should update soon. '' We took her at her word and she pulled up the XXXX page disclosures document on her monitor across the desk from us. We scrolled quickly past all the pages and electronically signed where we needed to sign. I jokingly asked, " does anyone ever sit here and try to read the whole document across the desk from you while you wait? '' and she laughed and said no almost never. When the card arrived in the mail on XX/XX/XXXX, we noted that the 5 % cash back on groceries and wholesale clubs was not noted anywhere in the paperwork or other materials that accompanied the card. I reached out to the banker via email that same day ( see attached email chain ) and noted the discrepancy, indicating I also called Chase customer service and the corporate line confirmed that promotional offer was not a benefit of our account. The banker never answered the email but called me and assured me she would escalate the case with the credit card team. Chase 's corporate credit card services team concluded their " investigation '' and sent us a response on XX/XX/XXXX, just saying that our account isn't eligible for the offer we requested ( see attached email chain where this response is screenshotted and shared with the banker ). After this point, the banker re-escalated the complaint to try to get us the offer she had promised us and it was again rejected at the corporate level with the customer service team ( case # - XXXX ). We became very upset because the bank ran our credit for a card we didn't want unless it came with the benefit we were promised, and now no one at Chase was taking accountability for their mistake. I was referred to the branch manager ( XXXX XXXX | XXXX XXXX | XXXX | T : XXXX ) who assured me she was taking this case very seriously and was going to try to get us an equivalent offer or some form of compensation because of the hit to our credit scores, especially since we are saving up to buy a home. I don't have a good records ( especially dates ) for the conversations that followed because the branch team refused to put anything in writing ( they would only call me ). They also never answered a request to send us a copy of the disclosures we signed ( see email chain ). XXXX took a long time to get back to me next, but when she did, it was not with good news. Apparently, the offer of the 5 % cash back on groceries was not actually active and available to us until the day after we had gone in to meet with the banker, on XX/XX/XXXX. As a result, we unknowingly applied for the previous promotion which did not include this benefit. Because we signed the disclosures, Chase said there was nothing they could/would do ( even though we acted on the good faith understanding of what the banker had told us, and the disclosures are infeasibly long and awkward to review in those situations ). XXXX had evidently talked to her boss several times to either 1. get the original offer put on our card, 2. get an equivalent offer added, 3. get us some form of compensation, and/or 4. waive the hard credit inquiry requirement so that we could cancel and re-apply for the card, which would now have the active grocery promotion, without taking a hit to our credit. BUT if we did this we were not guaranteed to be approved given we would have previously applied for and cancelled the card. Each and every attempt was rejected at the corporate level. When I asked her what options we had, she said the only thing we could do was keep the card and not use it, or cancel the card and take yet another hit to our credit. Completely unacceptable. She once again put me in touch with the cardmember services team, and the only solution they came up with was for us to apply for ANOTHER card ( Chase freedom Flex ) which has a similar 5 % cash back on groceries ( not wholesale ) benefit. We ended up applying and getting this card, because we still wanted the benefit, only to find out this benefit is only active for the 1st year you have the card ( which the representative did not tell us ). All in all, it was a string of misleading benefits and promotional terms, dishonest practices of upselling and making disclosures impossible to review or get copies of, erroneous actions by the bank, and total lack of accountability or common sense customer service by chase at all levels. It amounts to false advertising with an adverse affect to our credit scores. | ||||||
| 11/06/2022 | Yes |
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| To whom it may concern : Please help! Chase bank is holding my Social Security XXXX Income direct deposit hostage. On this past Wednesday, XX/XX/XXXX, I saw on my online checking account a deposit I didn't recognize. I called Chase Bank. The first representative put me on hold for 15 minutes and then disconnected me. I called back and spoke to a second representative. He said there was a check causing the hold and my account was restricted. I found out that someone tried to deposit 7 fraudulent checks into my account.. I still don't understand how the scam worked unless they were coming back at a later time to get the money. That still does not make sense to me. I was transferred to the claims department. I filed a claim saying the checks were fraudulent. I informed them that my Social Security XXXX Check was due in the next day. We start having a discussion because my pay check might be delayed. I said XXXX can not be. I have a XXXX scheduled, bills to pay with fines and fees of {$200.00} starting on XX/XX/XXXX, I have no food I id after the XXXX of XXXX, I have animals to feed and care, medicine to purchase and so on. She called starving an inconvenience. I was insulted and provoked by this callous comment. Then, she tried to deny what she said. I know what I heard. I asked to speak to her boss and she said it would be a XXXX minute wait. I said that is unacceptable. I requested her boss 's boss and she said I had to deal with her boss. I had already been on the phone for 2 hours continuously. I asked for the location of the home office. She claimed that they didn't have one. Then, she tells me there is nothing else she could I called the XXXX XXXX XXXX because I had talked to them before I was transferred to that lady in the Risk Department. They were going to try to help me but then they decided to transfer me back to the Risk Department. He kept calling me a ma 'm. When I confronted him about it. He said that is not an insult. Well I felt insulted and he ought to be more focused in his job performance. Whether he meant to or not, he insulted me. They incite anger in you and then they deny they did it. After we went round and round about my check, he finally told me that I could withdraw my XXXX tomorrow and open a new checking with Chase. That was all i wanted to do. His solution to all my problems was go to the branch and they will resolve everything. All of this information proved incorrect. The next day, XX/XX/XXXX, I went to the branch. They could do nothing to help me. I began to realize I was being treated like dirt. I told the branch manager it did not pay to be honest with them. I told her I was the one who first made Chase aware they were fraudulent checks. I was the one who called claims and did what was necessary to file a claim. I would have been better off keeping quiet. They said my direct deposit from XXXX did not come in yet. I called Social Security while I was there and they informed me that my direct deposit had gone into the account. Someone in Chase has my direct deposit and it will be one to two business days before it posts. I had gone to Chase planning to withdraw my.paycheck and open a new account. That did not happen. I told them I was now stranded and I had a mile to walk back home. I am XXXX and I did not think I could do it. They didn't care. They said there is nothing they can do about that. I walked it. It took me a long time to get home. My pain level is off the charts. I am still hurting today. I discovered last night my XXXX XXXX account is suspended because of what is going on with Chase. This morning I tried to open a XXXX XXXX checking but was declined because of what is going on with Chase. Chase has put me on a deserted island without any resources. I spoke with Chase this morning, XX/XX/XXXX. I was initially told my direct deposit will be in on Monday. Toward the end of the call I was told my checking was being closed permanently and I could no longer be a Chase customer. In addition, i was told when the bank closes my account, they will mail me a cashier 's check in the amount of whatever is in my account. That will be XXXX to XXXX business days. I told the boss that I felt persecuted. I did what was honest, right, and responsible, and look at the world of hurt i bought on myself. Why is honesty never rewarded and liars are in this country? I told him that the bank is showing no compassion, kindness, and empathy. I never once raised my voice with him this morning. His representative I spoke to before I spoke with him I had to caution her twice about raising her voice at me and she got a defensive tone once in her voice. I just can not believe how I was treated. They say in their speeches they want to protect the bank and the customer. I have had bullies treat me better. They do this and get away with it because I am poor. thank you very.much for your time and interest. XXXX XXXX XXXX P.s. I had nothing to do with putting those checks in for deposit. The checks has some credit union in Oregon listed. I have never been or lived in Oregon. I have been in XXXX 40 years or more. None of this is my doing. I do not know how to.make an online deposit. I honestly thought you couldn't do that. A junkyard dog is treated more humanely than I have been at Chase. | ||||||
| 03/27/2022 | Yes |
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| On XX/XX/XXXX at XXXX AM, I got a text from my bank ( Chase ) that someone I don't know ( XXXX XXXX ) was added or edited as a XXXX recipient. I saw this text about an hour after I got it. I do not know who this person is nor did I add this person to my account as a recipient, so this sent my mental alarm bells ringing immediately. I quickly signed into my Chase bank app and noticed that {$910.00} was gone, sent to XXXX XXXX from my account. This was a textbook definition of an unauthorized transaction, under Regulation E. Immediately, I realized this was a case of identify fraud or something like it. Therefore, I immediately contacted Chase Bank customer support ( Fraud Department ) and was given the run-around, but after about the sixth call, they finally started processing my claim, even though they kept lying to me previously that they had already started processing it. A couple of days later, they provided a temporary chargeback to my checking account. However, on XX/XX/2022, they reversed the temporary chargeback. I called the Chase Claims Dep't back that that day to figure out why they reversed the chargeback, but they did not give me any legitimate reason ( and they continued to lie to me, because much of what they said contradicts where I had learned later from after talking with the Chase Executive team ( as described in further detail below ). I decided to then go into a Chase branch ( in XXXX XXXX XXXX, California ) in person, to see if that would be a more effective route to get this issue resolved adequately ( so that I could get made whole ). After talking with the teller, I escalated it to the branch manager. I talked with her and she submitted a form to the 'Chase Executive Team ', and she said they'd follow up with me. A representative from the 'Chase Executive Team ' did follow up with me a few days later. Then, when on the phone with the representative, I asked the representative why Chase reversed the temporary chargeback, and after some further research, the representative told me it was because they saw that someone had logged into the Chase website on the device that was used to make the fraudulent transaction ; therefore, according to him, they believe that my fraud claim was not true. I asked him further questions about the issue, and his information helped me determine ( after further investigation into my browser history on my part ), that my work computer was hacked ( I was able to figure this out, subsequent to the call, which I explain in further detail below ). I escalated that call to talk to the Manager after talking to the first Chase Executive team representative, and I reiterated all of the details of what happened, she gave me the Case # : XXXX, and she told me that I would get a call from the Chase Executive Team Claims Department to follow up further, but they never called me. The Chase representative I have talked to at the XXXX Team have told me that that I haven't adequately proved to them that fraud occurred, even though though fraud did occur, for which there is plenty of evidence for, and so they are responsible for making me whole, per Regulation E. It appears the Chase is doing everything possible to ignore their obligations under the law in this regard, to protect me from fraud. I was able to determine that hacker used my work computer 's web browser credentials to log into the bank website ( therefore this didn't trigger any bank website security questions- they were able to login with the login credentials I had saved in my web browser ), and then stole the money through XXXX. I was able to identify that my work computer was hacked, because, subsequent to talking with the first Chase representative from the Chase Executive team, I was able to use some of the information he provided me to identify that it was likely my work computer that he was referring to. Then, I checked my work computer 's web browser history, which did show that someone logged into Chase and made the unauthorized transaction using XXXX at XXXX through XXXX AM on the day of the hack. See the attachment for a screengrab of my browser history that shows the unauthorized activity that occurred. This kind of hack must have occurred via a remote hack, since my computer was sitting in my office at that time, and I was at home sleeping, and there is no one at my office at those hours. Overall, as of now, Chase Bank decided not to make me whole for the unauthorized activity that happened to my Checking Account, despite clear evidence of a hack occurring on my device, and they are using the fact that I logged into my device ( after having changed my username and password ) weeks later, not realizing that my computer had even been hacked at the time, as a reason not to make me whole per the legal requirements of Regulation E. According to my understanding of the law, this is illegal behavior on the part of Chase Bank , since it is not consistent with Regulation E. I feel defrauded by my own bank. I am not responsible for my bank 's lack of security features, even if the computer I used got hacked by someone and they used my credentials to login to Chase Bank to steal my money via XXXX XXXX. I have also attached a copy of the Police Report that I submitted to my local police department. | ||||||
| 07/26/2022 | Yes |
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| I received a call from Chase on XX/XX/2022 at XXXX XXXX and didnt pick up ( I dont recognize the number ), they called back immediately saying there was fraud on my account and that someone was trying to make a purchase at XXXX. They asked if I was in XXXX Texas and I said no, they asked if I knew anyone in XXXX and I said no. While the conversation is happening I XXXX the number they called from and it pops up as the Chase Fraud protection line so I feel comfortable to continue speaking with the representative, I also log into my Chase account to check my balance and dont see any new transactions from XXXX XXXX I ask the representative about this and they tell me the transactions were flagged and so they wont show up on my account. They proceed to tell me they will close my current debit card because my account is compromised. I hear typing in the background and assume they are taking care of whatever it is they have to on their end. In the meantime Im making small talk, I ask where theyre based out of, they tell me XXXX XXXX I say something along the lines of I live in California also, I also thank them for taking care of this. They then tell me theyve gone ahead and closed my debit card and a new one is being reissued. They ask me to enter my old pin to deactivate, I never said my PIN out loud, I entered the numbers, they then asked me to enter a new PIN number which enter in as well va the keypad. She then proceeds to tell me theyre going to activate XXXX XXXX. I dont use XXXX XXXX so I ask why. The representative tells me that itll enable me to have access to my money between now ( that my card is deactivated ) and the time my new debit card arrives. She then tells me they will be sending me a text with a link to activate XXXX XXXX and to please click on the link to verify, once clicked it will send me a verification code and to please share it with them. I receive the text with the link, I click on it and verify then let them know the code texted to me. The representative tells me Im all set and that I should receive my new debit card within the next several days and we hang up. About a half hour later I receive a text alert from Chase that someone has tried to make a {$1400.00} purchase at XXXXXXXX and do I approve the transaction, I text no and immediately check my bank account. Someone had made a {$700.00} purchase at XXXX and made 4 separate ATM withdrawals totaling {$740.00}. I immediately call Chase to speak with someone and tell the representative the entire story. He does some digging and tells me they used XXXX pay to make the ATM withdrawals and to make the purchase at XXXX. I tell the representative I just spoke with Chase about a half hour ago regarding fraud and at that time I didnt see anything in my account so why do I all of a sudden have these charges on my account when I just spoke to them. He does some more digging into my account and he said they mustve spoofed the Chase fraud number and via the texted link, added their number as an authorized user of XXXX XXXX to my account, and when I entered my pin into the keypad they mustve picked up the numbers. He tells me Chase fraud is only open until XXXX XXXX XXXX and the fact the call came after that time is a red flag. He tells me hes entering in all the information into the notes and that I will have to call Fraud in the morning when theyre open ( XXXX XXXX PST to XXXX XXXX XXXX ) to file a claim. He removed the unauthorized number linked to XXXX XXXX account and reissues me a new debit card while closing the old one ( in my mind this is the 2nd time Im doing this with the exception being he never asked me to enter in an old or new PIN number and although he texted me a link to deactivate he never asked for the code obtained via the link ). I set an alarm and promptly call Chase fraud at XXXX. PST to tell them the situation. They open a claim and let me know that they should have a decision within the next few business days. Fast forward a week and I see that my account has been credited the fraudulent purchase made at XXXX, however I dont see an account adjustment for the fraudulent ATM withdrawals. I wait a few more days and decide to give them a call. After being transferred several times ( XXXX to be exact ) I find out they will not be crediting my account for the fraudulent withdrawals because I gave my PIN- the PIN that was obtained through false pretenses and lying along with the money being withdrawn by an unauthorized user in an unauthorized transaction. Im beyond livid at this point and finally ( after being on the line with Chase for close to XXXX hours - XXXX hr XXXX minutes to be exact ) and them asking me for documentation ( to prove that I was home when the charges occurred - what?!? ) followed by me telling them they should have video of everything where they can clearly see its not me making the purchases or withdrawing money, I was able to have them reopen the claim to re-examine the decision. So not only am I out {$740.00} ( originally {$1400.00} if you include the XXXX charge ) but also 2 hours of my time, the majority of which were spent on hold. Since I recently got off the phone with Chase I was told they would have a decision for me with the next 3-5 days. Will update with any new information when received. | ||||||
| 08/13/2019 | Yes |
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| Dear CFPB, On XX/XX/XXXX, I was scheduled to close with XXXX XXXX XXXX XXXX on my home refinance with XXXX. On XX/XX/XXXX, someone who claimed to be named XXXX ( there is a XXXX at XXXX XXXX XXXX XXXX, so I didn't think anything was wrong ) called me from XXXX to tell me that XXXX XXXX, a paralegal at XXXX XXXX XXXX XXXX at that time, had emailed the wire transfer instructions to me. That evening, I did a money transfer ( not a wire transfer ) of {$41000.00} from my XXXX XXXX XXXX savings account to the Chase Bank account in XXXX, Utah that was in the wire instructions that I received : bank : Chase Bank, XXXX XXXX XXXX XXXX, XXXX, Utah recipient name : XXXX XXXX XXXX XXXX routing number : XXXX account number : XXXX At XXXX XXXX. on XX/XX/XXXX, XXXX XXXX XXXX XXXX told me on the phone that I had been defrauded. I called XXXX XXXX XXXX Customer Service right after that phone call, and they initiated a money transfer recall with Chase Bank on my behalf with scam as the reason. I then saw that the email with wire instructions in my inbox looked exactly like it had come from XXXX XXXX at XXXX XXXX XXXX XXXX but that the actual email address was not hers, meaning the bad guy spoofed her email address and sent me an email that looked exactly like it had come from XXXX. The sender 's name was XXXX XXXX, and her correct complete signature in the email body was used, but the email address was XXXX, but XXXX 's actual email address was XXXX, which was in the fake email body 's signature. Also, Attorney XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX XXXX at XXXX told me that they received spoofed emails that appeared to be me ( actually from the bad guy ) saying that I was on track for my refinance closing but might need more time to transfer the money. XXXX XXXX in XXXX XXXX did a conference call with XXXX XXXX, and they closed the fake email account that the bad guy created in my name. I filed a report on the FBI 's IC3 website, I filed a report with the FTC, and I filed a report with a local police officer ( XXXX XXXX XXXX of XXXX County, South Carolina Police Department, police report number XXXX ). I also called Chase Bank Customer Service, but they wouldn't talk to me because I don't own the Chase Bank recipient 's account. For the past month, XXXX XXXX in XXXX Fraud has been unable to get any information from Chase Bank about their investigation or timeline, and she believes that the bad guy hacked into the server of XXXX XXXX XXXX XXXX or the title company in order to spoof XXXX XXXX 's email address in order to email me the scam money transfer information and to get my phone number to call me. XXXX XXXX XXXX just sent me a letter stating that I have to deal with Chase Bank from now on. I called Chase Bank again today and was told specifically that they would only speak to a manager at XXXX XXXX XXXX, not me. I called XXXX XXXX XXXX Customer Service twice today and finally was escalated to XXXX XXXX, a front office manager above the Fraud Department, and he said not only that XXXX XXXX XXXX would file another reconsideration with Chase Bank but also that he would have a XXXX XXXX XXXX back office manager contact Chase Bank for information about the investigation and timeline because Chase Bank had specifically told me to get a XXXX XXXX XXXX manager to do that. XXXX XXXX gave me a direct number to call XXXX XXXX XXXX back in a week to find out what their new actions have uncovered. I am now trying to deal with my local police department again to see if they will communicate directly with the XXXX, Utah Police Department so they can investigate and work on returning my money, probably via subpoenas of the person who owns the account and of XXXX XXXX XXXX and Chase Bank records, along with the fraudulent emails that I received. I don't know if the Chase Bank account is actually owned by XXXX XXXX or was fraudulently created in his name. I learned today that Chase Bank told XXXX XXXX XXXX in late XX/XX/XXXXthat the person who owns the account declined the request to return my money to me, but no one at Chase Bank or XXXX XXXX XXXX had told me that before or had asked me to supply the emails showing that the fake email from XXXX XXXX with the money transfer information was fraudulent. It is extremely frustrating and nerve-wracking that I keep hitting a wall in trying to find out what is going on in Chase Bank 's investigation. I understand that Chase Bank can not discuss that person 's account with me, but as the victim who initiated the money transfer within hours after the money was sent, I should be able to find out what's going on with my money, the investigation, and the timeline. I don't even know when or how much of my money I'll get back. I called the Federal Reserve Board, and they referred me to CFPB. Can someone at CFPB please help me? The {$41000.00} is all of my life savings. I have had to take medication over the past month to keep myself from having a breakdown over the loss of my life savings. There must be some way for money scam victims to get information about the investigation and a timeline for the money being returned. I have proof of the scam, plus my reports to the local police and the FBI. Please feel free to call me. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX | ||||||
| 04/22/2020 | Yes |
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| On XX/XX/XXXX, late at night, I received an e-mail from Chase stating that I had exceeded the max amount of withdrawals from my savings account. I had not accessed this savings account in a year, so no transactions should have been going through. I immediately went on-line and discovered that my savings account had been depleted. There were multiple XXXX XXXX transactions, from multiple businesses, ranging from {$11.00} to {$1900.00}, beginning XX/XX/XXXX to XX/XX/XXXX, with a total of {$5800.00} stolen. All of the big transactions were debited between XXXX XXXX. I contacted Chase via phone and they told me the system was down and to call back the next day. I called on XX/XX/XXXX and a Chase rep stated she could help me with a manual dispute but I would need to go in person to sign the form. On XX/XX/XXXX i visited the XXXX, CA branch and sat down with a rep. She phoned the fraud department to have them send her the form and they stated to her that they would e-mail me something. She pushed the issue to receive the form for me to sign because she was familiar with the process, but again they said I would receive something via mail. On XX/XX/XXXX, I received an e-mail to check my on-line banking for documents and there was nothing, so I called the Fraud Department. I spoke to XXXX, and she informed me that I would only be receiving credit of {$40.00}, which were for the transaction that posted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I then asked to speak to the manager of the Fraud Department, XXXX, and she informed me that this was the final decision. I personally, work for a financial institution, and this was odd to me since our bank issues credit for transactions within the last 60 days and they were issuing credit from months prior and not recent transactions. I decided to go into the XXXX branch to speak to the manager on XX/XX/XXXX to see if he could help me find a resolution. I spoke with XXXX XXXX XXXX XXXX, and he was not much help. He spoke to the Fraud Department and they said that this was still an open case after they had told me it was already closed. Lots of confusion going on between manager and fraud department. They ended with saying that my case was bumped up to the Escalations Department and I would receive something in the mail. I checked my mail for the multiple days and nothing. On XX/XX/XXXX, I contacted XXXX XXXX directly and spoke to a rep, XXXX, about the fraud. She asked me if I knew a XXXX XXXX and I did not know anyone by that name. She confirmed that this person did commit fraud using my account and that she would hold the funds owed to me and shut down that account. XXXX stated that because the fraud was not linked to a checking account or debit card, Chase would need to manually retract the funds. After I hung up the phone, I immediately went to the XXXX branch and was helped by XXXX XXXX, since the manager was out of the office. She was the only person to show empathy for this situation. She contacted the Fraud Department, to explain that Pay Pal had the money and that Chase needed to retract the funds. The fraud rep escalated to a manager XXXX XXXX XXXX, who repeated what i already knew with the small credits being issued. Again, XXXX reiterated that Chase only needed to retract the funds. XXXX sent a Disputed Transactions Questionnaire form to XXXX via e-mail. She printed the form and we completed it. She faxed it back to XXXX. He said it may take some time to receive the credit. On XX/XX/XXXX I received an e-mail that there was documents for me to sign regarding my case in my on-line inbox but there was nothing there. I contacted XXXX again she advised that I go into the branch to figure out why I could not view documents on-line. On XX/XX/XXXX, I visited XXXX at the branch and she verified that I had no documents in my inbox. She contacted the Fraud Department and they e-mailed her that same dispute form that I already submitted the day prior. The Fraud Department then stated that they did get my form but had not reviewed it yet. On XX/XX/XXXX, I called Pay Pal and spoke to a rep, XXXX, to see if Chase had tried pulling the funds. She said the funds were still on hold and there was no attempt from Chase yet. She provided me a case number. I have called to follow up with Chase on many occasions and have to re-explain my situation every time and there is no status update. On XX/XX/XXXX I was on the phone for 40 minutes with no answer. On XX/XX/XXXX, I spoke with XXXX and he stated that the credits that i received of {$40.00} was all I was able to get. I explained my whole situation with XXXX XXXX having the funds and he said since it was passed 60 days that they could no longer retract from XXXX XXXX. I received an e-mail on XX/XX/XXXX that I received documents in my on-line inbox and nothing was there. At this point my level of frustration is beyond compare. My money is stuck at XXXX XXXX and Chase is a large bank and cant handle pulling the funds. They just dont want to help their consumer. This is my life savings and they dont care. I have read around that this is very typical of Chase and I am disappointed that I ever opened an account with them. The XXXX XXXX I work for would never allow this to happen to one of their members. I really just want to have my money back. | ||||||
| 02/15/2019 | Yes |
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| The first issue is that Chase Bank initiated a foreclosure action in XX/XX/XXXX on our property claiming we were behind in payments when we were not. They literally claim we missed payments beginning with XX/XX/XXXX when our records clearly show we did not miss that payment, or any other in XXXX. We are attaching copies of the Intent to Foreclose letters from XX/XX/XXXX and XX/XX/XXXX ; Chases own accounting ; our bank statements for the entire year of XXXX which will bear out that we paid the full mortgage amount each and every month since the modification we took in XXXX. We also attach a spreadsheet and a letter from an accountant we hired to go through XXXX accounting. We also attach the Amount Due Schedule dated XX/XX/XXXX that states that between XX/XX/XXXX and XX/XX/XXXX there were {$0.00} late charges. Chase proceeded to pursue us falsely even after repeated calls and letters arguing that we were not behind in payments. They stopped accepting payments because of the foreclosure action. The foreclosure mill they hired, XXXX Such, never returned phone calls or responded to letters that disputed that we owed back mortgage payments. The second issue is that they suddenly produced a lost note affidavit because they did not have a note that matched the one we have. ( We have attached the 2 lost note affidavits ; and the 4 versions of the note. ) This lost note affidavit is simply a piece of paper that says they looked in the vault, but it was no longer there. It does not follow protocol and is not valid. It has no documentation or the surety bond information that is required. Repeated requests for the bond that indemnifies the lost note went unanswered by Chase Bank and their attorneys. Anyone acquainted at all with lost note affidavits would see that this document does not meet even minimal underwriting requirements. There is not description of what happened to the original, including any steps taken to find the note, and, if the note was destroyed, the circumstances of that event. There are not details of payment terms, type of note, the amount paid and what remains unpaid under the note. There is no statement that the note was sold or transferred to a third party nor is there confirmation that there is no other party that has an interest or can claim any money under the note. There is no statement that both parties are in agreement that the note exists and it is a valid debt that the borrower owes the holder. There is no surety bond as required. There is no copy of the original note, as required, because there are 4 versions of this note. One note has XXXX, NJ as the location of closing, and has an endorsement, and has a crossed out correction of XXXX XXXX name with an initial. A second note has XXXX, NJ as the closing location, no endorsement, and a crossed out correction of XXXX XXXX name with no initials. A third note has XXXX XXXX, NJ as the closing location, no endorsement, and a crossed out correction of XXXX XXXX name with no initial. The forth note has XXXX XXXX, NJ as the closing location, with a stamped True Copy, XXXX XXXX, XXXX. at the top. There is no endorsement, and there is a crossed out correction of XXXX XXXX name with no initial. We all know there can only be ONE note. Given all of this, there is no way any bonding company would take the risk of indemnifying this lost note. I dont believe Chase Bank even tried to secure a bond for this fake document given the 4 different notes. And of course, Chase would not provide further information to us no matter how many times we asked. All of the information I have outlined above, along with a surety bond, would be required if the lost note was authentic. On top of that, during this foreclosure action we were subjected to a XXXX hour deposition for a foreclosure case, which is unheard of. We are still being hounded by attorneys and real estate agents because the foreclosure, although wrongful, was made public. Chase prevailed in court with the phony lost note and multiple notes due to a terrible judge who clearly had a personal preconceived prejudice against homeowners. He was not interested in anything we had to say, while he aided Chases attorney. He listened respectfully to the lawyer while hollering at us for any statements in our defense. We were so desperate not to lose our home that we agreed to the option of applying for a modification with Chase. They stalled the process by constantly claiming we needed documents that we had already handed in, and had to resend. They would call after a few weeks and ask for the same documents, and repeat this until it took over a year and they were sure any equity was drained from the property. Looking back, they had no intention of ever giving us a modification it was a cruel way to give us hope and keep us busy while we lost all the equity in our home. We went through this process for a year and a half and finally gave up when they told us we didnt qualify. Why didnt they say that at the beginning of the process? Chase Bank set out to initiate a wrongful foreclosure thinking we would never eventually read all the documents and discover the fraud. We are so disheartened that we did not realize foreclosure law and that Chases actions and the documentation did not have any legal foundation. | ||||||
| 08/01/2023 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX My wife and I returned home from a vacation in XXXX and were alerted by Chase of possible fraudulent credit card activity in the amount of {$52.00}. I confirmed that this was definitely unauthorized activity. Chase told me to stop using this account and they would issue new cards which we should receive in 5 to 7 business days. XX/XX/XXXX I contacted Chase Customer Service to notify them that we still had not received our new credit cards. I was informed that the account had been permanently closed on XX/XX/XXXX, at my request, and so new cards had not been issued. I told the customer service representative that I had done no such thing. Why would I be calling to report that I had not received our new cards if I had permanently closed our account? She told me that the only way Chase could re-open the account was for them to listen to the recordings of the XX/XX/XXXX conversation and the review would take up to 7days. XX/XX/XXXX My wife, thinking that none of this made any sense, called Chase Customer Service. She could not understand why Chase would not simply re-open our account and issue new cards, as promised. The first representative was unhelpful so my wife requested to speak to her supervisor. This gentleman indicated that he understood exactly what had happened and he would try to fix the problem. After leaving my wife on hold for a few minutes, he returned to apologize that he had tried everything in his power to re-open the account, but was unable to do so. He connected her with his supervisor who stated that the problem was that our account was a joint account which Chase had not offered for at least 10 years. He stated that according to banking regulations, the only way this account could be re-opened was if they reviewed the recordings from XX/XX/XXXX to determine if the conversation was " ambiguous or unambiguous '' and that it would take up to 7 days. XX/XX/XXXX Chase still had not contacted me, so I called them to see if they had made a determination. Over the course of a 49 minute phone call with several representatives it was never quite clear if they could not locate the recording from XX/XX/XXXX, or the recording was unintelligible. Whatever the case, Chase could not produce any evidence that showed that I had told them to permanently close my account. But, none of that mattered. The bottom line was that the account was permanently closed and could not be re-opened under any circumstances. I was told that our only option was to reapply for a new account. At that time, I informed them that if we had to go through an application process, it would not be with Chase. On or about XX/XX/XXXX Our monthly Chase statement came in the mail. Upon close examination my wife discovered some odd things. 1. The account number on the statement was different from the number on our credit cards. This indicates to us that they knew that we had not " permanently closed our account. '' 2. Under Account Messages there was a statement that " transactions designated with an & have been transferred from lost/stolen account. '' All of the charges on the statement were designated with an & except the final charge. This charge was legitimate and we do not wish to dispute it ; however, the lack of the & designation indicates that the new account number had been issued and used for this transaction. I believe that this demonstrates that I never instructed Chase to permanently close our account. The error was theirs, not mine. Additionally : Further evidence that Chase representatives had mishandled the original call of XX/XX/XXXX is that during this same call, I requested a copy of my current charges to see if there was any other fraudulent activity. Approximately one week later I received an envelope in the mail with a letter dated XX/XX/XXXX stating that, as per my request, they were enclosing a copy of my billing statement ( s ). Enclosed were copies of my statements from the previous three months, which I had already received and paid, but none of my current charges. Several days later, I received another envelope from Chase. The enclosed letter was identical to the previous letter except that it was dated XX/XX/XXXX. Once again, the envelope included the same copies of statements from the previous three months, but none of my current charges. My wife and I have had this Chase Freedom Visa Card since XXXX and have always been card members in good standing. After 35 years and through no fault of our own, our account was permanently closed. Chase has repeatedly claimed that this was done at my request. They lied. I would not. I did not. This has been a major inconvenience for us. My wife and I have spent hours on the phone trying to straighten out this mess. We have had to research and then apply for a credit card with a different bank. We had to temporarily unfreeze our credit report in order to complete the application process. And we have been without a Visa card for a month. At this point, the balance on our account has been paid in full, and we have no desire to do any more business with Chase. However, we do think that a formal letter of apology is in order. And we want to make sure that our excellent credit rating is not negatively affected by the closure of this account. | ||||||
| 11/03/2018 | Yes |
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| To Whom it may Concern : I sincerely apologize for writing to you but I feel like I'm at my wits end and feel like this was my last option. I am writing today to express my frustration in the lack of help Ive been receiving from the associates at Chase customer service representatives and your investigations department. Ive been in constant contact with your Customer Service representatives and your fraud department regarding a very serious issue I'm experiencing. I am a XXXX XXXX and was a loyal customer for over 15 years with Chase. I was employed as a XXXX XXXX for XXXX XXXX, CEO of XXXX XXXX & XXXX, XXXX who was the first woman of finance and first woman to own a seat on the XXXX for over 21 years. I had nothing but respect for her and her accomplishments and what she did for women like me on Wall Street and she actually served as the XXXX XXXX XXXX in NYS for a few years. I was so proud to work for such a person and extremely loyal, honest and hardworking. I've worked in the XXXX XXXX my entire life. XXXX XXXX XXXX XXXX, Chase Manhattan Bank, XXXX XXXX XXXX XXXX, XXXX As a XXXX woman in the financial world its hard to climb the corporate ladder but my determination and the assistance of the good people who believed in me allowed me to succeed. Unfortunately, Ms. XXXX passed away a few years ago and the Board of Directors decided to sell the firm and I lost my job as the new owner 's nephew is doing their marketing. I have not been able to find work and a company in the XXXX reached out to me to do some consulting for them. They are an investment firm based in the XXXX and they were looking for someone to attract angel investors for their investment projects. I signed a contract and started working for them. They assigned me leads and I was able to secure a client that was interested in investing in one of their products. The company reached out to me and told me they didn't have a presence in the US yet and wanted to expand and that I could help them expand and head the US office. I was excited at the prospect of employment as I've been unemployed for a few months already. They then asked that I open a bank account for the client to send their funds to me and I would have to wire those funds to their XXXX office. I was doing my banking with Chase Manhattan bank for over 15 years and had two bank accounts. I did what they asked and the client, without alerting me, wired over two deposits. One for a little over {$10000.00} and the other for {$17000.00}. The next day Chase closed ALL of my accounts and wouldn't tell me why. Now I ran around for a week with no funds trying to figure out what happened and finally the fraud department at Chase told me it was due to suspicious activity. I was so upset because I'm an honest person and just needed a job to support my family. I'm a single mom and take care of my XXXX year old XXXX mom who has no source of income or health insurance. Chase refused to assist me even though I explained the situation. I finally was able to get my funds out of Chase and happily opened my account at XXXX XXXX XXXX. I was banking with XXXX fine until a few days ago when XXXX decided to do the same thing and close my accounts without a reason. I was shocked to say the least because here I am again in the same situation. I can't pay my mortgage or take care of my family now as I have no funds and no access to my funds and XXXX said it would take 7-10 days to get my money. When I implored that they at least give me {$1000.00} so that I can buy groceries and gas and medication for my mom, they told me they couldn't help. I just want to be able to work and pay my bills and bank like a normal person. I've never ever committed fraud or even thought that this new company I was consulting with would create such and issue for me. I'm on unemployment which is about to run out soon and I really don't know what to do now as I'm afraid this situation will follow me to the next bank I open an account. Not to mention my unemployment benefits get deposited to my bank account which are now closed and I have no access to my unemployment benefits. I'm no longer doing business with this firm in the XXXX to say the least. I don't know what else I can do and feel totally confused, helpless and disappointed in our banking system that they can do this to ordinary hard working, loyal and honest people. If there is anything that you can do to assist me would be greatly appreciated. If I can't reopen my accounts at Chase, or XXXX that is fine but I don't want my future accounts closed as I just opened one up at XXXX XXXX. Is there any advice you can give me to ensure this doesn't continue to happen to me. I just need to be able to survive and this situation has turned my life upside down. I need to have a bank account without worries of having it closed down and then chasing my funds down while I'm trying to pay my bills and buy food for my family. I included my contact information below and am available, at any time, to discuss this matter. I'm also attaching copies of the employment contract and back up documents to prove everything I just explained. Your kindness in this matter would be GREATLY appreciated. Have a blessed day. Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX | ||||||
| 06/02/2022 | Yes |
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| On XX/XX/XXXX I purchased a service from a company called XXXX XXXX for XXXX to recover funds from a XXXX scam that I was the victim of. I was skeptical they would be able to recover my funds but they assured me that they were very good at what they did and they had the ability to track the XXXX transactions and would be able to recover my funds, which amounted to over {$100000.00}. I was Not sure how they would be able to recover my funds from the perpetrators who were overseas, but they assured me they had attorneys in XXXX, XXXX, and the XXXX where these crimes typically occurred. I was desperate to have my funds recovered and decided that a I would trust that they had the ability to recover my funds and since they had a merchant account I could always recover my funds if this turned out to be a scam. Unfortunately, this turned out to be a scam and my CC company has sided with this scammer who runs XXXX XXXX in spite of the overwhelming evidence that this is a SCAM!! Not only did they ignore the scam and side with the merchant for the full {$10000.00} amount, they chose to ignore an invoice for {$6400.00}. It's Unbelievable!!! They actually said too much time has passed to even consider the invoice. I still request that the full {$10000.00} be refunded due to the fact that this is a scam ; however, I wanted to show that the CC company is being extremely negligent in its duty to investigate my dispute. The reason they sent me the reduced invoice was because I questioned the merchant regarding their practice whereby they have you fill out a form after the completion of their XXXX tracing to bring to your local Police Department. This seemed odd that they would have you go to local Police Department to help solve an overseas crime. I did go to the local Police Department on XX/XX/XXXX with the forms XXXX XXXX provided and explained that I was the victim of property theft and needed to file a formal complaint. The clerk was confused and it took some convincing but she said that she would notify the detective and for me to have a seat. after a long 1 hour wait the detective came out and stated to me that he was sorry but that he was sure that this XXXX XXXX service was a scam. He reviewed there materials and noticed there was no company logo at the bottom of each sheet that explained there services and that many grammatical errors were evident that raised a red flag as to the legitimacy of this company. I assured him this was Not a scam an that I wanted him to talk to XXXX XXXX who was the owner of XXXX XXXX. He reluctantly agreed and spoke with him. After he got off the phone with XXXX, the Officer said he was Not at all interested in his claims that he worked for the CIA in XXXX and that he was a private investigator. He stated anyone can make claims regarding their legitimacy over the phone. The officer also stated that there is no way that a local Police Department would get involved in an overseas crime and that this would be a matter for the FBI, I realized at this point that I had been the victim of a scam. Feeling dejected I went back to work. about on hour after I returned to work I got a surprise phone call from the Officer I had been working with. He stated that he felt the need to take a look into XXXX XXXX and sid that he discovered there was no XXXX XXXX the had PI number with the state of Utah. The only thing he came up with were 2 plumbing and one electrician license number under that name. He also stated that he looked up the companies address and it led to a strip mall in Washington DC, which confirmed to him that this company was a fraud. I figured ok, I have enough evidence to prove this was a scam and get my funds returned to me form my CC company. Unfortunately, that did Not happen!! I actually set them text messages from XXXX XXXX, the owner of XXXX XXXX where he admits to talking to the Police Officer and states that they have this problem with the local Police Departments all the time. Well duhhh, that's because local Police Departments don't handle overseas crimes!! Anyway, as part of the back and forth text messaging, XXXX finally says " Whatever, do you want a refund? '' I said : " Yes ''. That's it end of story. I sent my CC company a copy of the text and thought for sure they would refund me the XXXX ...... Nope!! I figured ok, at least I could get it down to the {$6400.00} invoice, which I received the day after XXXX asked me if I wanted a refund. Apparently this was his idea of a refund. When they emailed me to ask if I accepted the refune I explained I felt I was entitled to a full refund ot the {$10000.00} as this was a scam and No one ever got there funds recovered from this system of using local Police departments. They claimed they had a 90 % success rate from this system, which is an absolute fabrication. All of this evidence was presented to the Chase CC dispute department on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently with the invoice evidence on XX/XX/XXXX. Documentation is available upon request ..... Please help!! BTW, you will notice that XXXX Blames the Police Departments and the Officer for Not knowing anything about Cryoto scams .... that'a the point!!! they don't it's for the FBI. Soooo obvious this is a scam!! | ||||||
| 10/18/2021 | Yes |
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| On XX/XX/XXXX, I had a fraud purchase made. I received my money back and changed my bank card only. I asked the bank advisor if I should change my bank account number as well and I was told it was not necessary. On XX/XX/XXXX I received a text message Fraud alert for XXXX XXXX ( {$5000.00} ) to reply yes or no for authorization. I replied No. This is not unusual for chase to send a text alert. I was in a meeting with a client but was very upset there was another fraud alert. I was going to call the bank when the " XXXX '' called me. I was told that XXXX calls becuase these transactions move fast and they need to stop the transaction. The man on the phone did not send me a link or any email to click on. He told me to open up my Chase mobile app. I felt safe to follow his directions because I was going into my own mobile bank app and saw a XXXX XXXX for {$5000.00} going to an XXXX that I did not start or have any part of. The man instructed me to make myself ( XXXX XXXX ) a receiver of funds and start a new transaction to send money to myself. It would be in the same amount that was going out to this XXXX person. He said the money going out to XXXX would hit his bank and it would then come right back to my account but he needed me to follow instructions. In my chase mobile app I put myself as a receiver and Chase sent me a text message that my number was being used on another bank account.I assumed it was for my personal account, not my XXXX account it needed to go to ) The text message instructed to reply DELETE to remove my phone number from another profile and then re-enroll at XXXX. I re-enrolled my number on my chase XXXX account. Once I did that I started a new transaction of {$5000.00} to be sent to myself ( XXXX XXXX ) in my bank app with my number set up on my profile. The man gave me a series of numbers to put in the memo under the transaction in my XXXX transfer ( I again was doing through my bank app ). He said the series of numbers is only a note to connect the two transactions. I sent ( myself XXXX XXXX ) the {$5000.00} and he said it will take up to 24 hours to receive the money back. The following morning I called Chase to find out the status of the transaction and found out it was fraud. I opened up a case the morning of XX/XX/XXXX with the bank. One XX/XX/XXXX they gave me a temporary {$5000.00} amount in my account while under investigation. On XX/XX/XXXX Chase sent me a notice that the transaction was processed according to the information I provided and as a result they are removing the {$5000.00} from my account. I then called and spoke to someone else in the Fraud department somewhere around XXXX XXXX -XXXX XXXX ( I'm guessing this is when I saw the notice ) She reopened my claim saying that I authorized the {$5000.00} transaction to be sent to myself and not to the account it went to. I then on XX/XX/XXXX spoke to my banker XXXX XXXX ( who moved to XXXX, CA location ) and let him know what was happening. I gave him all the details I could and he investigated my case. About 5 days later I spoke with XXXX and he said he can clearly see that the transaction was started without me, that I was coerced into sending myself money when the phone number was changed from my account to another account. They can see that the money was sent to someone in Florida and the person who received the money immediately pulled the money out of the account and closed the account as soon as they got the funds. For that reason they can not give me my money back. He said that somehow my account was hacked and it must be something I did or my phone has malware on it. I had already took my phone to the XXXX store and they found no malware on my phone and said it is impossible to get it on the XXXX unless I jailbroke my phone ( which mine is not ) On XX/XX/XXXX, I received a notice that No adjustments would be made at this time, the transaction went according to the information I provided. If my memory serves me well, it was XX/XX/XXXX I made a report to the FBI as well. I believe that my account was compromised with the first fraud that took place and I was instructed not to change my bank account and only needed to change bank cards. I believe that my account was broken into within the XXXX/chase system. I had the false safety of sending money to myself after re-registering my phone number with my account and also that I was processing a transaction through my bank app. I was under the false safety that chase provides a service connecting XXXX to my chase bank and I only used that service because chase provides the service. This was clearly fraud and I am asking for your help. I just had my first sale after covid loss and this money was needed to help my family. I am a single mom and this was a big hardship on me. I have screenshots attached and the statements that is needed to show the timeline. My next steps will be to take Chase/XXXX to court and broadcast this fraud on the news to show that Chase is well aware of the fraud happening in their system to their clients and that there are many many other cases similar to mine and yet they still provide a service to people that is loosly monitored. This system is so easily hacked and it is heartbreaking the amount of cases out there like mine. | ||||||
| 06/10/2020 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX, I received a letter from Chase stating that my previous mortgage was being transferred to XXXX XXXX on XX/XX/XXXX. I immediately contacted Chase on XX/XX/XXXXand asked why this was happening since the property in question went into foreclosure on or about XX/XX/XXXX? They informed me that due to the Servicemembers Civil Relief Act ( SCRA ) they couldnt foreclose on the property back then in XX/XX/XXXX. After about an hour on the phone with Chase they looked over my account and found that the SCRA did not apply to me because the property was purchased after I joined the XXXX ( Which I already knew and tried to tell them repeatedly over the years ). I then asked that the account not be transferred to XXXX, since Chase has been at fault with the mishandling of the account. They informed me that the account transfer was a common practice and they couldnt stop the transfer in progress. At the end of the call the military chase representative told me that she would ensure that the foreclosure was processed and all the interactions I had with chase ( Phone calls, account notes and letters ) over the years to include my entire file would be handed over to XXXX. I was also told that she would call me back on XX/XX/XXXX to confirm that everything was in process or complete ( I did not receive a call ). On XX/XX/XXXX, I called chase but was directed to call XXXX instead. I explained the situation to the XXXX customer service representative and they informed me to call on XX/XX/XXXX because they havent received my file as of yet from chase. On XX/XX/XXXX, I called XXXX again and the customer service representative told me that my file looked incomplete and after explaining the situation with chase she advised me to write the XXXX research department. Which I did and the XXXX research department acknowledged receipt on XX/XX/XXXX. The issues with this property has been going on since XX/XX/XXXX. I have been dealing with chase off and on, and every time Im being told by Chase everything will be processed and closed out. Below is a rough timeline of the events with Chase and the property ; XX/XX/XXXXRequested a loan modification because of a Military Permanent Change Of Station to another country. XX/XX/XXXX After going back and forth with Chase about the loan modification ( Chase kept kicking back the packet and asking for corrections ) I decided to let the property go into foreclosure. XX/XX/XXXXProperty went into foreclosure XX/XX/XXXXBecause of the mishandling of my Chase mortgage account I received a cash settlement as part of the national mortgage settlement set forth by the federal government against Chase. At this time I thought everything with that property was complete. XX/XX/XXXX Received a letter from Chase stating that I could apply for a mortgage loan modification. I called Chase and sent them a registered letter with all the details listed on this letter. I also told them I wasnt interested in the mortgage loan modification and this property was already controlled by Chase. The Chase customer service representative informed me that in XX/XX/XXXXChase created a new section within their company that handles strictly military and my foreclosure may have been lost during that realignment. I then asked again to complete the foreclosure. XX/XX/XXXX My friend living in the area of the property told me that property was secured by a company hired by Chase. XX/XX/XXXX- Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed. XX/XX/XXXX- Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed. XX/XX/XXXX - Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed. 2019 Received a letter from the Department Of Veterans Affairs ( VA ). They informed me that Chase notified them of the intent to foreclose on the home. I replied to the VA informing them of the situation. XX/XX/XXXX Received a letter form Chase stating that my loan was being transferred to XXXX. * XX/XX/XXXX - Received a bill from XXXX XXXX. The bill was over {$330000.00}. This bill list : Home balance {$170000.00} Interest {$110000.00} Late charges {$6300.00} Escrow Shortage XXXX Unpaid Expenses ( Property Rep, Lawn Care, Security ) {$23000.00} As you can see, this has been an ongoing and frustrating ordeal with Chase. I have not seen, lived or paid for this property since XX/XX/XXXX. A friend at the location informed me that property is still being looked after by Chase Mortgage. XXXX XXXX has told me that they are still researching the matter with Chase and agreed with me that the transfer to them shouldn't have happened. In addition, on XX/XX/XXXX a realtor in the area contacted me through the military and offered to mitigate with Chase so that the property would be " Short Sale '' and they would ensure that the property was closed out from my name. Chase rejected their contact. The last thing I received from chase was this month about mortgage assistance. I'm assuming that Chase confused the Short Sale offer from the realtor as a mortgage assistance request. | ||||||
| 07/15/2022 | Yes |
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Web | Servicemember |
| Please reference original complaint ID XXXX filed on XX/XX/2022. Im bafflled so im going to try this again. If you read the REPLY from this company dated XXXX they replied regarding the incorrect account. My relative had an active dispute with them coincidentally with a rental purchase and they replied to THIS complaint with MY RELATIVES information. NOWHERE in my complaint did I mention XXXX rent a car, I mentioned XXXX rental car and whomever decided to respond ... shouldnt have. This is disgusting that im having to go through this and even the CFPB didnt catch the fact that this response was totally bogus and had nothing to do with my concern. Now this predatory institution has placed a 30 day late mark on my credit and my husband credit the primary on the account. We are furious about how this is being made a mockery and nobody is taking this serious. I have since reached out to the banking ombudsman and any other major outlet including our local news to see if they can air this entire incident on tv because now we are suffering an economic burden due to the false negative credit reporting for items that SHOULD NOT BE ON THE CREDIT CARD STATEMENT. I demand an immediate correction to our credit report and remove any negative fees or activity because this is JP MORGAN CHASES fault and XXXX XXXX nor XXXX XXXX will be held to anything negative coming from this incompetency on the banks end. I have included a COPY OF MY ORIGINAL COMPLAINT which is still valid and needs to be reopened reinitiated and republished and most importantly RESOLVED. I have disputed XXXX transactions with Chase Bank from XXXX rental company, which Chase initially charged back to the merchant. Chase turned around, rebilled me for these charges, and did not bother to read the merchant 's reply. The merchant validated my claim by replying, explaining that the amount this company is charging is different, and supplied further info. Chase did not bother to read that they automatically went in the merchants ' favor assuming their reply was relevant. I have put this in writing to have the items re-charged back to the merchant who has now been paid TWICE and re-disputed correctly. Chase has ignored it, perhaps waiting on the dispute timeframe to expire. The XXXX XXXX XXXX made Chase aware of my complaint on XX/XX/2022. That same day I received a call from a man named XXXX claiming to be a manager in the office of the CEO who had assigned a lady named XXXX to handle this and stated XXXX had XXXX days to get a resolution to the dispute. XXXX seemed very confident provided his direct reports ' contact information. I attempted to reach XXXX the next day, left two messages, and finally called the general number spoke with a lady named XXXX, who could confirm XXXX was in the office but stated XXXX wanted her to relay the message that she would contact me the next business day. It was XXXX at XXXX am when I spoke with XXXX. XXXX got me XXXX morning and stated they have no new information and are still researching it. XXXX came across as very unconcerned ; I voiced my complaint with her. She listened and immediately responded, " yes, ma'am, I'm sorry to hear that I will contact you in the next few weeks IF we have an update '' Thats what pushed me to file this complaint and with the CFPB as well as other entities designed to help customers in this kind of distress due to being unable get anywhere with a creditor. Now, if this doesn't get resolved after the CFPB contact, I'm going strongly considering going to the media to make this a public issue. There may be many others experiencing the same issue we are having. Chase is a vast bank that can be intimidating for some consumers when challenging their unfair business practices. I have left messages, attempted to contact XXXX back, and not a single resolution to this. This company merits reprimand in the highest regard. These are unfair business practices to rest on their laurels while the customer takes the hit. I want myself and the other party listed on this card 's credit impact rectified because this affected debt to income ratio and dropped our scores by XXXX points collectively. Chase mishandled my entire dispute. I explained what was happening in my actual argument and the follow-up appeal in detail. I sent the request twice via email to Chase ( to have a paper trail ) and uploaded it to their portal per their alternative process. At this point I do not care what deadlines have passed because I did my part and followed Chases ' terms and conditions, including being more than timely. Now, I am demanding this company honor this dispute correctly and correct any implications to our credit due to their poor business operations, or credit the account out of their funds for these transactions in an EXPEDITIOUS manner, immediately, if not sooner. Those are the only options I am giving Chase to avoid further legal action and media exposure regarding this ordeal. At this point I am requiring contact from a direct report to the CEO or from the CEO XXXX himself since it seems to be absolutely nobody at Chase nationwide who understands this is not our error and it needs to be fixed this is my final stop before filing a suit in small claims regarding this banks gross negligence. | ||||||
| 02/17/2022 | Yes |
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| I am writing to complain of the way Chase handled my dispute against a fraudulent charge on my credit card. Below is the letter describing the details surrounding the charge I wrote to them. Chase took a very long amount of time with both the original fraud claim, and the second dispute claim, and dismissed the dispute because of the timeline then being past 90 days. I do not feel they took action to protect me as the consumer from the fraud that happened. I opened my original fraud claim with Chase around XX/XX/XXXX, the purchase date being XX/XX/XXXX. I am writing this to dispute the charges issued to me by XXXX XXXX travels in the amount of {$380.00} on XX/XX/XXXX. I never received services from XXXX XXXX and was told by XXXX XXXX ( who actually issued the tickets ) that the charges were not valid. On XX/XX/XXXX I called XXXX XXXX to reschedule a flight I had booked earlier that month on XX/XX/XXXX, for 5 tickets flying from XXXX to XXXX scheduled to depart on XX/XX/XXXX. I spoke with an agent about two options, which I decided to discuss with my XXXX before purchasing. I was told by the agent that I could call a " direct line '' so as to not repeat any info with my choice once we had decided. I was taken by surprise by the fee because I had originally booked with XXXX as they advertise no change fees on their website. I travel frequently and am aware that sometimes there is a fare difference, however as we did research on the dates suggested we found that the fares were not different and were even the same amount on the website, for the same fare class. I told the agents this and was given two different reasons for the increased fare, both of which were not valid ( difference in taxes and fees, which were included in the price I paid and the fare advertised online, and booking a different fare class, which I explained was not changing ). I asked to speak with a supervisor, to which the call was hung up. I called the direct line again and rebooked the tickets because I was worried about losing the entire flights costs. The new flight dates were for all five passengers on XX/XX/XXXX, and we were told to expect a phone call and email confirming the tickets were received, which were supposed to come within 30 minutes. Up until this point, we were still believing we were dealing with XXXX XXXX, and the payment page ( attached ) just said ticketing desk and had a phone number the same color as XXXX logo. We authorized this charge based on the basis of them changing our tickets, but were scammed into believing charges were coming from XXXX, when in reality they did not. Upon hanging up, we received the attached booking confirmation but no tickets from " XXXX XXXX travels '' ( Im assuming this is also XXXX XXXX ). We did not receive any confirmation or tickets from XXXX as expected. We followed up via email on XX/XX/XXXX ( also included ) asking for tickets to be issued ( requested in-line to XXXX XXXX booking confirmation email ) to which we did not receive any response. On XX/XX/XXXX I still had no tickets and my fears that it was fraudulent increased. I called XXXX airlines again ( not the " direct line '' I was given but the original customer service line ) and spoke with another agent. I was told that there should have been no fees for the re-booking and that the charges I had been charged by XXXX XXXXXXXX were fraudulent, and that all tickets and invoices for XXXX would come only from XXXX ( This is advertised clearly on their website ) I was able to get the tickets only after speaking with this honest XXXX XXXX employee on the XXXX of XXXX, XXXX full days after booking with " XXXX XXXX '' and only after speaking with this honest customer service rep. I am also including the legitimate tickets issued by XXXX. Please see that there are no change fees listed to the fares on the actual tickets ( these are the new ones issued XX/XX/XXXX ) and that the total amount paid adds up to the XXXX for the original tickets charged to my chase card on or around XX/XX/XXXX. The total amounts for each ticket are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I received from XXXX XXXXXXXX during this process was an un-itemized invoice from " XXXX XXXX XXXX '' ( included. Notice it does not list the supposed fare difference per passenger and when I asked for an itemized invoice following filing the original fraud claim they could not provide one ). The original booking confirmation on XX/XX/XXXX was not from XXXX XXXX but from a company called XXXX XXXX travels. In summary, I believe the employee who is operating this fraudulent business works within the XXXX XXXX call center, which is why they were able to provide evidence of the tickets being re-issued through XXXX during Chases original fraud investigation. We were deceived into thinking that we were paying XXXX for a change of flight, but in reality paid this fraudulent company. However, as stated previously, XXXX denies that any additional payment was needed in order to change our dates and I believe that the circumstances and paperwork provided by XXXX XXXX and XXXX XXXX, and also the new tickets issued by XXXX, show that these are fraudulent fronts to deceive customers. Thank you for your consideration, XXXX and XXXX XXXX | ||||||
| 01/25/2019 | Yes |
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| I checked my account on XX/XX/XXXX and saw that my information was used at a XXXX XXXX almost 8 hours away from where i live and work. I filed a complaint for fraudulent activity on my checking account with chase immediately, knowing that there is only one card, and that i had it in my possession. Chase closed my card, mailed a new one and " temporarily '' credited my account. Over a month later, the funds were taken back out of my account, placing me in a negative balance. They reversed the claim, stating that they " came to the conclusion '' that it was me because the card was used in-person and my PIN was used to even get cash back ''. I requested a manager, they never seem to have one available or they say that they are the highest in command. I pleaded my case, stating that i was at work that day, and that i even had been using my debit card all day and night, in the same local area where i work and live ( even purchased dinner from a restaurant, that i know has cameras ). How could this random charge, that is almost 8 hours away, have been me?! I can't be in two places at the same time, using my card. They said they would " investigate '' my claim reversal, it would take 3-5 days. I explained that my account is negative, I'm a full time dad to my XXXX daughter, her mom is gone. Im salary and get paid monthly, I don't have 3-5 days when i have payments coming in, pending payments from that day ( which i received a XXXX dollar fee, for each charge, nothing still has not been reversed, XX/XX/XXXX, now there is a negative balance on my account that has doubled due to fees and claim reversal ). I had to take out payday loans to survive for my daughter and i. I called back a few days later asking to check the status of the investigation, they said it was denied, due to not having proof. I asked what proof i needed, they told me to show proof that i was using my card that day, i said that all you have to do is look at my account and you can see that all my charges were local, within minutes of each other, not 8 hours. I went even further to print a receipt from my XXXX XXXX XXXX business account ( because the card has a photo of me, I'm the only one that can use that card ) i printed the receipt, showing the matching numbers and time, etc. I then went into a branch the next day to speak with a manager, they got on the phone, and faxed over my information to the claims department. They said it would be another 3-5 days to review it. I called back continuously, checking on the status as my account continued to be hit with fees. They then told me that if i could prove that i was working that day, that would be enough. I told them that i don't clock in or out, I work salary, not hourly, thats just how it works. Then I WENT A STEP FURTHER, and asked what if i get a signed letter stating that i was at work that day? I had to take off of work the next day, just to address this situation, just to go from a branch to work, to a branch, to work. My HR receptionist was even frustrated, because while on the phone with chase, they couldn't answer her questions clearly, she kept getting sent in circles, then she was told as well, that if i could get a letter from my job, stating i was at work all day, that would be enough proof. I went straight to a branch and had the letter faxed over. After another 3-5 days, i was told that it was denied again. THEY told me what documents i needed to send in, and i did that + more. Why is my account still jacked up?! What's not clear that i was not at that place, buying furniture or who knows what. I told them i do know that XXXX 's has cameras ( like all the other places i visited that day ), i thought that they were " investigating '' why not check the footage from when my account was used? That's more than enough " proof ''. They responded that its now up to me to go after criminal investigation and get my money back. I felt that i was being used and that this was literally insane. I called again today, they said it was denied again, because i had " other charges from that day when i was at work, that i didn't dispute '' I told them that i take breaks, lunches, i visit sites throughout the day. Why would i dispute a charge, made by me, obviously when i first made this claim, i was asked what charges i recognized ( and i only said the one from XXXX 's ), at this point i literally felt like i was being messed with. I've talked to corporate, they told me it could be up to 30 days to even respond to my complaint, that i made on my claim reversal being denied over and over, when i've been sending in everything that they have asked me to send in ... i then XXXX what to do in a situation like this and this website came up, saying that they could help me to get a response faster. This is the worst customer service experience I've ever had, i've been with chase for over 15 years and my checks have always been directly deposited into their institution. I shouldn't have to go through all of this over one charge, our life has been hectic the last two weeks because of it. I just want back the money that was stolen from me and also the fees reversed that were due to YOU putting my account into a negative balance ( when you reversed the claim that i had proof you asked for ) | ||||||
| 12/24/2018 | Yes |
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| XXXX is engaging in wanton, frequent advertising and credit card fraud. I am a so-called XXXX XXXX customer. Since I accepted this trial program, XXXX has repeatedly failed to get packages to me in the 2 days advertised for XXXX designated products. It has put me on hold for hours, refused to allow me to speak with a supervisor at least a dozen times, disconnected calls when I am holding for supervisors, switched me around while requiring me to repeat the same information to 2-3 individuals whenever I call XXXX to try to straighten out their repeated failures to deliver items to the correct address, within the 2-day time frame advertised, or by other dates advertised. It has repeatedly failed to refund the full amount of a XXXX designated item that does not arrive in the advertised 2-day period, or even later, as advertised in its XXXX program. Numerous items and orders have been fraudulently handled in this manner. Most recently, I placed 6 different orders with XXXX on XX/XX/2018. I listed the shipping address as an address on record with XXXX where I will be next week in XXXX XXXX, NJ. Instead of using this correct shipping address, that I selected specifically when I placed each order, XXXX substituted my billing address in Maryland for the shipping address. I did not choose my billing address as the shipping address because I will be hundreds of miles from the billing address when each of the items arrives. Yet XXXX will not admit that it has a security, computer software or hacking problem, much less will it ship any of the 6 items to the correct shipping address. I spoke to several people about this, most of whom either disconnected me or refused to allow me to speak to a supervisor when I called repeatedly and asked to speak to one about this. Among other numerous falsified, inaccurate and non-existent records related to XXXX ( and other holiday retailers ), there is a consistent pattern of falsified shipping records concerning items that supposedly left shipping facilities that have not actually been picked up yet ; of falsified attempted deliveries by the USPS on Sundays to buildings that are not open on the alleged dates of attempted deliveries, or of USPS attempted deliveries to addresses where there is no USPS service ; or of attempted deliveries by XXXX in a town over an hour away from the delivery address. I could go on. The point is that there is rampant, systematic falisification of shipping and delivery details that seems to be part of the web of fraud that XXXX engages in with its XXXX credit cards and delivery service. Since XXXX arranged to send all six orders placed on XX/XX/XXXX to the wrong address and refused when I asked it several times to send each order to the correct shipping address, to correct its own numerous errors, I told it that I would not pay for orders I can never get because they are sent to the wrong address. XXXX refuses to credit the card immediately for all of these orders lost because of failures in XXXX operations. Instead, XXXX floats itself an unspecified number of loans for items that are shipped anywhere but to the shipping address that I or others select, by refusing to issue credits and refunds in a timely manner. Previous complaints I made to the Consumer Financial Protection Bureau have documented the habitual failure of XXXX and Chase to process credits as quickly as they do debits on the XXXX XXXX credit card. This is even truer during the holiday season, during which both institutions arrogate to themselves enormous falsified charges on millions of these credit cards. This is a scam that the federal government should immediately, halt, investigate and sanction XXXX and Chase for engaging in under the cover of sloppy operations. Both companies should be prohibited from opening new accounts with any XXXX credit cards unless and until both companies cease their fraudulent, unfair, deceptive and abusive advertising, marketplace and credit card activities. Credit card users should not be charged for items they never receive or have possession of, yet this is exactly what occurs, ad nauseum. This is an even worse problem in remote, rural areas which depend heavily on purchases delivered to them. Unless retailers or their chosen carriers can prove that anyone charged for an item actually takes possession of the item, the burden of proof should be on the merchant, not the credit card user, who should not be forced to pay for lost merchandize s/he never sees. Both companies should be fined in exponentially increasing amounts, so long as they continue in these illicit practices and they should be forbidden to open new credit cards and retail services so long as these operational failures persist. They need to be removed from the market place if they do not substantially change the course they are on and stop engaging in fraudulent charges and practices that wholly characterize the XXXX XXXX program. My credit card should be credited in full for all of the last 6 items I attempted to purchase from XXXX without delay. I should be able to speak to a supervisor immediately upon request ; I should not be forced to talk to 3 different people for the same problem. I should not be disconnected because I ask to speak to a supervisor. | ||||||
| 10/02/2023 | Yes |
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Web | Older American |
| On XXXX I was offered XXXX XXXX XXXX to monitor my credit. This service was offered to me because of two massive data breaches which could lead to credit card identity theft. On XXXX and XXXX I received from XXXX a report of an unconfirmed address. The addresses were in Michigan and Wyoming. I have never lived in either state. I have owned a home in which I reside at XXXX XXXX XXXX XXXX, XXXX, Indiana since XXXX. I have only briefly resided in XXXX, Indiana while maintain the home in XXXX, Indiana. On XXXX I received from XXXX a delinquent credit payment notice ( over 30 days ). This notice was attached to an unknown Chase Bank Credit card. I researched all my credit cards. I found that I did have an Amazon/Chase credit card. The last activity was in XX/XX/XXXX. That account had been paid in full by a check written from my XXXX XXXX Checking Account. I checked with the bank on XXXX and received a Report Transmittal verifying that Centier Check # XXXX Account XXXX for {$53.00} had been cashed on XXXX by Chase Credit. I have always received paper notices for my Amazon/Chase Credit Card . I had never received a delinquent payment overdue for my Amazon/Chase Credit Card via mail or any other means of communication. The only reason I found this information was the XXXX XXXX XXXX. On XXXX I contacted Chase Bank ( phone number obtained from XXXX XXXX XXXX ) at XXXX. I told the Chase Representative ( XXXX Ext XXXX ) that I received a {$35.00} over 30 days late ( per XXXX report ) on a Chase Credit Card. I initially forgot that I had the Amazon/Chase Credit Card listed in a prior paragraph. My XXXX Account per XXXX lists 10 credit cards. JPMCB as of XXXX now lists 60 days overdue payment of {$110.00}. I explained to the Chase Representative on XXXX that I did not recognize any unpaid Chase accounts. The representative was told that I dispute the {$35.00} overdue payment. This representative was also informed about my concern that addresses in Michigan and Wyoming were showing up on the XXXX Report. She was told by me that I never lived in those states. The Representative was also informed that I never received by any means communication from Chase of an overdue bill. The Chase worker stated to me that I would not be charged for the disputed delinquent bill. I also opened a dispute with XXXX XXXX XXXX XXXX ( Report # XXXX ) upon advice from XXXX XXXX XXXX XXXX Chases delinquent bill report. On XXXX XXXX stated via E-Mail that my dispute had been completed. I reviewed the completed dispute to find that Chase Bank had done nothing other than report to XXXX my address had been verified. I do not know if my real Indiana address or the falsely report Wyoming or Michigan addresses had been verified. There was no mention of a resolution on my disputed overdue Chase XXXX. On XXXX I received an E-Mail from XXXX that my account was now 60 days overdue. The amount overdue was {$110.00}. I again contacted XXXX Chase Bank ( XXXX ). I talked to three different Chase workers before I was directed to someone who could help me. That worker told me that my Chase Account still reflected a delinquency of now {$110.00}. I told her that the only Amazon/Chase account known to me # was not delinquent as all three transactions in XXXX with that card had cleared by XXXXXXXX XXXX with the payee being Chase Bank XXXX ( XXXXXXXX XXXX Checking Account # ( Routing # ) .Check xxxx dated XXXX for {$63.00}, # xxxx dated XXXX for {$27.00}, and # xxxx dated XXXX for {$63.00}. ) That worker told me to get a Report Transmittal from XXXXXXXX XXXX and fax it to XXXX. I asked that worker to speak to a supervisor. The supervisor told me the initial fax number was incorrect and to address the fax to Payment Research Operation at XXXX. She also told me to put the credit card number on the fax. I asked the supervisor why I had not received any communication from Chase Bank on an overdue bill as I commonly received bill notification via mail. The supervisor stated someone should have called me. I obtained on XXXX from XXXXXXXX XXXX XXXXXXXX branch The Report Transmittal requested by Chase Bank. The material requested along with a two page synopsis of my concerns was faxed to both numbers given by Chase Bank on XXXXXXXX Chase Account # Fax XXXX Payment Operation Research Fax XXXX I believe because of the delinquency timeline ( my last transaction on known Chase account ) that another Chase Card was used. I do not have any other Chase Card other than the Amazon/Chase Card listed in this letter. If another Chase card was used for this delinquency it was fraudulently obtained using my identity with a bogus address. Please resolve this issue as XXXX has downgraded my credit rating from Excellent to Good. Please notify them once this issue has been resolved. I am extremely unhappy with my experience with Chase Bank in resolving my problem. I do not want any relationship with Chase Bank. On XXXXXXXX I contacted ( XXXX ) XXXX to report that my dispute resolution ( # ) was not resolved. XXXX stated they would reopen the dispute. I also left a message ( XXXX Ext XXXX ) with XXXX XXXX XXXX that my issue has not been resolved by Chase Bank. I will be sending my concerns to the appropriate Federal Agency that regulates credit cards. | ||||||
| 08/18/2021 | Yes |
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| On my XX/XX/XXXX, Chase Credit Card Statement, I noticed 6 fraudulent charges from XXXX that I had not made. Those charges are : Ordered by XXXX XXXX on XXXX, from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX per fraud representative ... .. '' some kind of pet toy, unclear what '' ... ... ... ... ... ... XXXX {$7.00}. XXXX Ordered by XXXX XXXX on XXXX, from XXXX FL XXXX XX/XX/XXXX Order # XXXX per fraud representative ... ... ... .XXXX XXXX XXXX '' {$8.00} Ordered by XXXX XXXX XXXX XXXX, from XXXX, TX XXXX XX/XX/XXXX XXXX # XXXX per fraud representative ... ... XXXX '' XXXX XXXX '' {$24.00} Ordered by XXXX XXXX on XXXX, from XXXX, AZ XXXX XX/XX/XXXX XXXX # XXXX per fraud representative ... .. " XXXX XXXX '' {$42.00} Ordered by XXXX XXXX on XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX # XXXX per fraud rep ... '' XXXX XXXX XXXX '' {$32.00} Ordered by XXXX XXXX on XXXX, XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Order # XXXX per fraud rep '' also XXXX XXXX -- XXXX '' {$32.00} Total Fraudulent Charges to my Chase Credit Card Acct XXXX ... {$140.00} I reported the charges to Chase Fraud with another unrecognized one to Amazon. I notified Chase Fraud that the Amazon one was valid, but the other 6 XXXX charges were not. Chase replaced my credit card and initially replaced my credit card and refunded the 6 XXXX charges. The following bill reflected that refund. The next bill recharged me for the 6 XXXX fraudulent amounts followed by a letter denying my fraudulent claim because I " had shopped there before, '' I learned from a follow up call. There is no XXXX near me and I have only shopped there more than a year before online, which I stated. The Chase representative unpleasantly told me the case was closed. I asked how to reopen it because I had not made the charges, and was told Chase needed more information, such as the order numbers. I immediately called the XXXX help line and got the order numbers, called Chase Fraud right back and gave them to the Chase Fraud Department. Since that time in early XXXX, I have been denied 6 times with formal letters. When I called each time to ask why, Chase insisted I must give them more information : amounts of purchases, address of charger, and finally, names of the chargers and credentials asked for by XXXX. This information was relatively easy for me to get from XXXX and XXXX Help representative " XXXX '' representative had emailed me that he knew I did not make the charges, signed with his name and position at XXXX. I sent Chase that email but Chase would not accept that information from me because it did not come directly from XXXX. Not knowing I was supposed to send it directly from XXXX, I sent the body of the letter to Chase. I immediately began to email " XXXX '' again asking him to please verify the information the former email and send it to me. I never got the same representative again and email responses told me to contact my bank. In utter frustration in XXXX, I asked my local Chase bank for help. A XXXX XXXX XXXX XXXX called the Chase Fraud Department and was given no information but was able to open the case again. Ultimately, I got 3 emails from XXXX saying they would send me an email verification of the information in 24 hours, then 48 hours, then 24 hours, again. I never received the email but did learn verbally -- present at a call made by XXXX ... .. -- that XXXX had sent Chase Fraud the verification and Chase in late XXXX, refunded the first 2 charges for {$7.00}, and {$8.00}. I received a letter saying that Chase had resolved my dispute. I responded in email thanking Chase for the refund of the 2 charges, but there were 4 more that were fraudulent. XXXX called again with me present and was able to establish that the case is again open and I would hear in 15 days. She also asked in my behalf, if there were another department to more effectively handle this dispute which had continued for 5 months. I did not hear, though I did not get another denial letter, and was told that I would hear from the Chase Complaint Department. I was contacted by XXXX in the Chase Complaint Department on XX/XX/XXXX, who promised after reviewing my case, to contact me in another 7-10 days. If Chase was satisfied enough to refund 2 of the 6 charges, they had the same information to refund the other 4. They said at the last call that unfortunately, they were " very backed up, '' with which I sympathize ; but it has been 5 months and I have diligently and politely given them every piece of information they asked for verbally, and in writing, and paid the charges in full. Previously, when I gave the required information to Chase without XXXX forwarded emails, a representative at the Chase Fraud Department said that the information was not acceptable because it was " a narrative, and they had no way of knowing where i got the information or if I made it up! '' I have documented all correspondence from XXXX until XX/XX/XXXX, in emails, Certified Return Receipts letters, and notes taken at phone calls. I have been a constant paying customer with no problem like this ever, in the many years I have had a Chase credit card. Please help me resolve this lengthy frustrating fraud claim. If you need anything more specific to do so, please let me know. | ||||||
| 06/08/2023 | Yes |
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Web | Older American |
| LETTER SENT TO CHASE : XX/XX/XXXX Chase XXXX XXXX XXXX XXXX, DE XXXX Re : Dispute transaction dated XX/XX/XXXX by XXXX XXXX XXXX Dear Chase Customer Service, This is a formal request to reopen a dispute on a transaction dated XX/XX/XXXX by the merchant XXXX XXXX XXXX for the amount of {$4700.00}. The disputed amount of this transaction is : {$3500.00} for merchandise that was never received. On XX/XX/XXXX, an online order was made for two pieces of furniture totalling {$4700.00} ; however, only one item of the two items ordered was delivered on XX/XX/XXXX. As you can see from paperwork submitted by the merchant from XXXX XXXX XXXX, one item ( QTY 1 ) of the item : GREY VELVET TUXEDO ARM LOVESEAT was delivered ( there is also a corresponding photo clearly showing this ONE item delivered ). This item, including all applicable taxes totalled : {$1100.00}. The second item in this combined order : XXXX XXXX XXXX XXXX '' Wide Velvet Reversible Modular Corner Sectional Sofa was never delivered. This item totalled {$3500.00}, and was a significantly large piece of furniture that is clearly NOT in the delivery manifest sent to you by XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor was it included in the photograph the merchant sent you of the item being delivered. As of today, XX/XX/XXXX, I have not received this merchandise. I have spoken with the merchant, who has confirmed that this order was cancelled and never delivered. In addition, the merchant XXXX XXXX XXXX has also stated that a refund of the disputed amount of {$3500.00} was refunded to this Chase account on XX/XX/XXXX. Since then, no such refund has been posted and I have been unable to speak with any manager or the billing department at XXXX XXXX XXXX to resolve this issue. As you can imagine, this has been a deeply disappointing experience. As a longtime Chase customer and cardholder of various lines of credit with Chase, I have found the customer service experience disappointing. I have always recommended Chase to my network and have remained a loyal patron due to your superior customer service and ease of use ; however, with these recent issues, I am afraid I may no longer be able to recommend Chase. I would like to request this dispute be reopened and Chase to investigate the cancelled order in order to fully refund the disputed amount of {$3500.00}. I trust that this dispute will be resolved shortly as this case has been ongoing for over four months. I look forward to hearing from you. Sincerely, XXXX XXXX XXXX LETTER SENT TO THE CALIFORNIA ATTORNEY GENERAL ( Supporting documents referenced are not included as they contain personal information to be omitted per CFPB request ) : I am writing to share supporting documents for a complaint against XXXX XXXX XXXX ( merchant ) that I submitted through the online portal. This complaint was initiated by XXXX XXXX, but was closed based on false claims by the company. Attached are images of : -The delivery manifest, which indicates that only a love seat was delivered ; -An image of the couch that was ordered but not delivered ; -An image of the delivery, which is clearly smaller than the couch ; -The order number ; -The letter that the company presented to your offices ; -The letter that you provided to XXXX XXXX following closing the case. In their response to your offices, XXXX XXXX XXXX XXXX merchant ) claimed that XXXX XXXX refused the delivery, but this is false. She repeatedly requested updates on the delivery, and for 3 months she was told that it was delayed. She eventually cancelled the order, but she found that she was charged for the full set of furniture. She unsuccessfully attempted to resolve this with the company, and now she requires your assistance. XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She has been financially abused by a predatory company with many nearly identical complaints against it lodged online. We would sincerely appreciate your assistance in resolving this matter. Below my signature, you will find the text of the complaint that I filed through your portal. XXXX XXXX, opened a complaint against XXXX XXXX XXXX, but received a reply to the effect that the company responded that the complaint was invalid, and so the case was closed. This is inaccurate, and I am writing to request that the case be re-opened. The representative of the company claimed in an email to the office of XXXX XXXX that the delivery was brought to the home of XXXX XXXXXXXX, and that she rejected it. This is false. I have emailed the delivery manifest and the photograph of the delivery showing that she received a delivery of only part of her order ( a loveseat ), and she accepted that order, but was charged for the full order including a full couch ( image also sent ). When she inquired about the undelivered furniture she was told that it was repeatedly told that it was delayed. She ultimately cancelled that order, but was then told that it was already en route and that she would be charged a restock fee. There are many complaints against the company found online with this precise pattern. We would like your assistance in resolving this matter as it is currently still unresolved. I have emailed the supporting documents to XXXX. Cheers, XXXX XXXX | ||||||
| 01/09/2018 | Yes |
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| I leased a XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX, CT. The Principal/Agent for this dealership is XXXX XXXX XXXX, XXXX. The " assignee '' on the lease was J.P. Morgan Chase. I paid each lease payment on time and in full. I extended the lease for more than 6 months and made each of those payments on time and in full. In XX/XX/XXXX I was refused a lease end inspection by J.P. Morgan Chase. I was also given conflicting buy out information by different representatives. In addition the representatives were combative and unpleasant to work with. This was not the treatment I had received at lease end with my previous leases with XXXX and XXXX, respectively. End of Lease with those companies was seamless. Based on my problems with the rough employees in the Chase Auto Finance Department of J.P. Morgan Chase, I requested escalation to a Supervisor. I spoke with a XXXX XXXX ; Supervisor with Chase Auto Finance at the end of XX/XX/XXXX. She stated she would be sending me buy out paperwork. Unfortunately she put a deadline of XX/XX/XXXX on the paperwork and although the package was signed for by the package room in my building, I did not receive it until after XX/XX/XXXX and so the paperwork was invalid. I called back for XXXX XXXX and left messages. XXXX XXXX did not call me back for several weeks. On XX/XX/XXXX I spoke with XXXX XXXX after XXXX. She stated that she did not call me back earlier because she had been on vacation ( no one checks a supervisors messages and J.P. Morgan Chase when they are on vacation? ). She stated that she would not be reissuing buy out paperwork and that my only option was to return the car to XXXX XXXX without a lease end inspection. That same day, XX/XX/XXXX, I called the lessor, XXXX XXXX and spoke with XXXX XXXX. XXXX XXXX is XXXX XXXX XXXX 's Finance/Business Manager at XXXX XXXX XXXX in XXXX, CT. I explained to XXXX XXXX what XXXX XXXX at J.P. Morgan Chase 's Auto Finance Department had said. XXXX XXXX stated that I could buy the car through XXXX XXXX and not to worry about what XXXX XXXX had said and the threats she made. Then XXXX XXXX pulled Hard Credit Checks with at lease one Credit Reporting Agency in order to start the buy out paperwork for the XXXX XXXX XXXX XXXX. He stated it was too late in the day for him to finish the paperwork but that I could come in the next day. I called back XXXX XXXX and left a message telling her what had transpired during my conversation with XXXX XXXX XXXX, the original lessor of the XXXX XXXX XXXX. The next day, XX/XX/XXXX I called XXXX XXXX XXXX in XXXX CT and was told that it was XXXX XXXX 's day off and that his department was closed. I left messages for XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. When I did not hear back from him I went into the XXXX XXXX XXXX dealership on XX/XX/XXXX. I spoke with XXXX XXXX and he said he was too busy to help me with the lease buyout. After that I learned that J.P. Morgan Chase had placed a CHARGE OFF on my Credit Report on XX/XX/XXXX and sent conflicting pay dates to at lease two credit reporting agencies. Since that time I have been attempting to resolve this matter with J.P. Morgan Chase, Chase Auto Finance and XXXX XXXX XXXX, to no avail. I have been verbally abused, stonewalled and treated like a criminal by J.P. Morgan Chase. The really amazing part of this is that I paid in full and on time AND I have been a Chase Bank Customer for many years. I caution anyone to do business with J.P. Morgan Chase, Chase Auto Finance ( aka : XXXX XXXX XXXX ) or XXXX XXXX XXXX in XXXX CT. They engage in deceptive business practices. The resolution I have been seeking, since XX/XX/XXXX is to either receive a lease end inspection to return the XXXX XXXX XXXX XXXX vehicle or to receive buy out paperwork from J.P. Morgan Chase or XXXX XXXX. Since XXXX XXXX XXXX ; Principal/Agent for XXXX XXXX XXXX stated in an email yesterday XX/XX/XXXX, that he still has the buy out paperwork, it should be seamless. However, XXXX XXXX XXXX ; Principal/Agent also stated yesterday that only J.P. Morgan Chase can allow the buy out. I would appreciate if you would help facilitate the buy out ( with proper paperwork ) or end of lease inspection with J.P. Morgan Chase AND more importantly the DELETION FROM THE ERRONEOUS CHARGE OFF BY J.P. MORGAN CHASE ON MY CREDIT REPORTS. J.P. Morgan Chase was fully aware that I had paid my lease in full and on time when they reported the lease as a CHARGE OFF on XX/XX/XXXX and they were fully aware that the lessor was drafting buy out paperwork for me. AGAIN I CAUTION ANYONE FROM FINANCING OR LEASING ANY VEHICLES FROM J.P. MORGAN CHASE OR XXXX XXXX XXXX IN XXXX CT ( PRINCIPAL/AGENT : XXXX XXXX XXXX XXXX ). THIS CAUTION IS BASED ON THE HORRIFIC TIME I HAVE HAD WORKING WITH THEM AND I AM A CUSTOMER THAT PAYS ON TIME. I CA N'T IMAGINE HOW THEY MUST TREAT PEOPLE THAT RUN INTO DIFFICULTIES WITH PAYMENT. FURTHERMORE XXXX XXXX XXXX BLAMES ME THAT J.P. CHASE CHARGED OFF THE VEHICLE ON XXXX/XXXX/XXXX EVEN THOUGH HE IS FULLY AWARE THAT HIS BUSINESS MANAGER TOLD ME I WAS FINE TO BUY THE CAR FROM XXXX XXXX XXXX AND HAD BUYOUT PAPERWORK IN THEIR POSSESSION AT THAT TIME AND TOLD ME NOT TO WORRY ABOUT J.P. MORGAN CHASE BECAUSE MY ACCOUNT WAS IN THE HANDS OF XXXX XXXX XXXX, THE ORIGINAL LESSOR. | ||||||
| 04/10/2018 | Yes |
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| I did not receive the waiver of no annual fee for the first year that was advertised on the website ( Please see terms and conditions below ) : Pricing & Terms Please take a moment to carefully review the Pricing & Terms below. PRICING INFORMATION INTEREST RATES AND INTEREST CHARGES Purchase Annual Percentage Rate ( APR ) 17.24 % to 24.24 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a Balance Transfer APR 17.24 % to 24.24 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a Cash Advance APR 26.24 %. This APR will vary with the market based on the Prime Rate.b How to Avoid Paying Interest on Purchases Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge None Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov/XXXX. FEES Annual Membership Fee {$0.00} Intro fee for the first year. After that, {$95.00} Transaction Fees Balance Transfers Either {$5.00} or 5 % of the amount of each transfer, whichever is greater. Cash Advances Either {$10.00} or 5 % of the amount of each transaction, whichever is greater. Foreign Transactions None Penalty Fees Late Payment Up to {$15.00} if the balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more. Return Payment Up to {$37.00}. Return Check None I have contacted Chase mulitple times and sent the terms and conditions and they keep saying that this offer does not apply to me, here is the last correspondence trying to get this resolved : I am writing as requested after speaking to XXXX XXXX ( XXXX ) regarding an issue I have with my new XXXX credit card XXXX XXXX XXXX XXXX. I got this credit card recently and when I applied online, the offer was that the yearly maintenance fee would be waived in the first year. After logging on to the website portal, I saw that I had been charged the annual fee. I then sent an email asking why I was charged the annual ee and got the following response from Chase : Upon review, offers for the first year annual fee waiver are randomly selected. We are unable to grant your request since your account do not have the offer for the annual fee waiver. I am not sure how fees would randomly be selected, that seems very arbitrary and unfair. There was no mention of this in the terms and conditions. I then called Customer service to discuss the issue. The representative was very helpful. She did confirm that she saw on the website that the offer included waiving the annual membership in the first year. She said she would escalate the issue and someone would be getting back to me. I had not heard anything so I sent another email to follow up on its status and received the following response : Upon review, we found that the account indeed has a {$95.00} annual fee. We regret to inform you that there was no offer for a first year annual fee waiver. I did notice that your website has changed and Chase no longer offers this but it was there when I ordered this credit card. In the meantime, I did get a letter in the mail which stated The first annual fee waiver does not apply to your account but did not give a reason why. I then followed with another call to customer service today and was transferred to a manager/supervisor ( XXXX ) and went through all of the history again. She asked if I had a copy of the terms and condition and I told her that I did have a copy. In the Fees section, it states {$0.00} Intro fee for the first year, after that {$95.00}. I have included a copy in this letter and highlighted the area in yellow. This has been a frustrating experience for me for the following reasons : Originally I was told that the waiving of the fee was random and I was not selected which seems arbitrary and unfair. Subsequent email indicated that there was no offer to waive the first annual fee. I had talked to a customer representative who did confirm that that she saw that offer on the website and escalated the issue. Mail sent to my home provided no explanation on why the waiver did not apply to my account. I still was not provided a reason after calling into customer service. No one could explain to me on why it did not apply to me. After being transferred to a supervisor, it looked like the burden of proof was going to be shifted to me and she was surprised when I said I had a copy of the Pricing and Terms and asked me to send this letter. I am not looking for anything that was not advertised on the web site. I would like the annual fee to be waived as per the highlighted section in the terms and conditions enclosed with this email. As a new customer, this has not been a good initial impression ; I am hoping you will rectify this issue quickly and waive the annual fee. | ||||||
| 07/05/2017 | Yes |
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| Re : URGENT PLEASE Case XXXX- Current Development Dear Sirs/Madam, My name is XXXX XXXX and I am in dire straights with regard to modifying my mortgage with Chase Bank which has been problematic confusing and disorganized. Briefly, I will explain the problem and my urgency for your assistance. For some reason, Washington Mutual Bank had difficulty applying for my payments and which resulted in foreclosure proceedings that were defective. As it turned out I was not behind on my payments but misapplied payments reflected that my mortgage was delinquent. It turned out since I could not afford the {$10000.00} legal deposit, WAMU had the upper hand, and I have been fighting for several years to keep my home. The Supreme Court Case is XXXX. WAMU was shut down and Chase took over their assets, I found myself fighting again to keep my home. In XXXX the sale of my home was halted so that I may obtain a modification. The modification was offered and three trail payments were made of {$920.00} which I paid and was told that included the taxes and insurance and that they were drawing up the final papers. On or about XXXX XXXX the attorney for Chase increased the payments by 70 % now I must pay {$1600.00}. Just recently Chase has come back demanding that either I do this or they will sell my home. On XX/XX/XXXX, Chase forwarded an analysis showing the cost difference of monthly principal and interest payments in 3 options. The option that I selected had monthly payments of {$590.00}. All that accrued between then and the XX/XX/XXXX offer is about {$2000.00} in interest, more than offset by the trial period payments which you said were not included in the analysis. The analysis had nothing to do with taxes or insurance. I can not understand, why this carefully analyzed calculation would have changed so significantly. XX/XX/XXXXChase offered a modification that would initially cost me {$920.00} a month, based on {$590.00} in principal + interest payments, and {$33000.00} in escrowed taxes and insurance, if those payments were met over a three-month trial period. By making a payment, I accepted the offer. I fulfilled my three month trial period test. By the time Chase got back to me a new offer, made in XX/XX/XXXX turned out to have higher monthly payments, involving {$590.00} in principal + interest, and {$490.00} in escrowed tax and insurance, for a total of {$1000.00}. This was accepted, and Chase proceeded to draft what I expected to be would be the Loan Modification Agreement In XX/XX/XXXX Chase sent the Loan Modification Agreement, calling for monthly principal + interest payments of {$790.00}, and tax + insurance escrow of {$840.00}, for a monthly total of {$1600.00}, more than 50 % above the XX/XX/XXXX offer, and 75 % of my monthly gross income to Chase, exceeding any affordability guideline. There are several errors with the new calculations ; Chase has calculated insurance costs twicewhich Chase has refused to correct anything. Nor will Chase explain why the monthly principal + interest payments that Chase calculated would pay off the mortgage by the end of its term has increased by over 30 % in 6 months. Chase is forcing me to attest that my ex-husband has provided true documentation of his income when, when my former husband did not because Chase permitted the modification to be based upon my income since our divorce was finalized. Most alarmingly Chase refuses to disclose an alleged assignment from FNMA to Chase on XX/XX/XXXX which, is recited in the title history, although it has for some undisclosed reason not been recorded. If my ex-husband XXXX XXXX rejects this offer, ( which he probably will ). Chase refuses to change anything or offer any alternative. If I do n't accept this modification XXXX, this offer terminates and Chase will proceed to immediate foreclosure and I will lose my home. I would like to settle with Chase in a manner that would be affordable within HAMP and CHAMP guidelines and have accepted two offers. I am frightened and upset and do not know where to turn. I have contacted the executive department of Chase as well as their division for my personal relations manager. Chase said that they opened a case for me and would get back to me within 24-48 hours and I have heard nothing. They even promised to contact me directly in the next few day, still nothing but the continued threats from Chase attorney 's. I am unnerved and can hardly sleep. This entire decade of my life has been traumatic for me and I pray that something can be done to call this matter to Chase 's attention. I thought that once the bank found me qualified they would honor their word and make an offer within a range of affordability. What I am experiencing with Chase is bullying, racism, and mistreatment of a senior and it 's unfair, unfortunate and unconstitutional. My mortgage is minuscule to Chase 's vast portfolio of assets and all the properties that they obtained from the Washington Mutal takeover. I have been fighting to save my home over a decade, I wonder what is really happening here? Your immediate assistance and intervention are needed with Chase to stop the bullying. Sincerely, XXXX XXXX | ||||||
| 10/08/2020 | Yes |
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| Timeline of Events/Transactions : XXXX : FIRST UNAUTHORIZED TRANSFER # XXXX from account # XXXX, not executed by XXXX XXXX ( sole owner of account ) and into XXXX Business Account of XXXX XXXX and XXXX XXXX for {$20000.00}. XX/XX/XXXX : XXXX contacts XXXX and inquires why she transferred {$20000.00} into account XXXX. XXXX goes into XXXX XXXX XXXX in attempt to acquire info on the unauthorized transfer of {$20000.00} from XXXX into XXXX from day prior. No one can provide information. Since the funds went from XXXX personal account ( XXXX ) into her joint account with XXXX XXXX ( XXXX ), she is advised to not be concerned and to transfer funds back. The XXXX account was negative so XXXX was only able to reacquire {$17000.00} of her funds. The teller assisted her transfer of {$17000.00} from XXXX back to XXXX via Transaction # XXXX. XXXX : SECOND UNAUTHORIZED TRANSFER # XXXX from account # XXXX, not executed by XXXX XXXX ( sole owner of account ) and into XXXX Business Account of XXXX XXXX and XXXX XXXX for {$17000.00}. XX/XX/XXXX : Again, XXXX contacted XXXX to let her know another transfer has occurred. XXXX transferred {$17000.00} back ( from XXXX into XXXX ). Through the Chase secure online e-message center, XXXX emailed Chase, notifying them of the two aforementioned unauthorized transfers AND stating that she transferred the funds back since she had online access to both accounts. XXXX requested an investigation into the two transfers. XXXX then called Chase Security/Fraud department asking them to investigate the origin/IP address of the two unauthorized transfers. There was some confusion as to what funds went where and when when speaking to Chase Representatives and they stated to her that her funds LEFT Chase and went to a non-chase account. After hanging up, and doing further research into both accounts transactions, XXXX figured out that the Chase Fraud rep was incorrect and that the funds actually went into XXXX on XX/XX/XXXX. The fraud rep advised XXXX to go into a branch, take XXXX down to zero, and put a hold on XXXX while Chase investigates. XXXX went into XXXX XXXX XXXX transferred the balance {$10000.00} into her other account ending in XXXX, was initially told the branch could not place a hold on the XXXX account, but then was provided and she signed a document placing a hold on the account. She stated several times that the accounts were now normalized, but that she wanted the investigation to continue to find out where and who initiated the two unauthorized transfers. A Chase rep recommended severing ties to XXXX, so XXXX removed herself from XXXX with the help of a chase rep. XXXX : THIRD UNAUTHORIZED TRANSFER labeled something like account reversal ( XXXX XXXX a mistaken transfer by/from Chase security department to remedy the complaint ) from XXXX XXXX account XXXX into XXXX for {$20000.00}. XXXX was only able to see this post for perhaps 30 seconds when her app crashed. She was unable to login after that. The error message was something like account locked due to suspicious activity. XXXX contacted XXXX XXXX who confirmed his account was negative {$20000.00}. XXXX tried to login several more times and was unsuccessful, and given the same error message. XXXX and XXXX attempted to go into Chase branch together to remedy the problem ( since there was no online access and XXXX no longer had access to XXXX without XXXX presence as it was no longer a joint account ). XXXX went into a branch and was told he was no longer a Chase customer and was handed cashiers checks to close his account. XXXX told XXXX not to bother, the account was forcibly closed. XX/XX/XXXX : XXXX called Chase and was told she was no longer a welcomed Chase customer and to go to a branch to pick up cashiers checks for her now closed accounts. XXXX asked for an explanation as to why reporting questionable activity on one account results in having all accounts held without any explanation and why she still does not have an answer as to who was initiating the unlawful transfers. The response was to go into Chase and pick up her money. XXXX went into Chase and was told all accounts are inaccessible to her, for an indefinite period, and she can not access any of her personal funds on ANY of her accounts. XXXX has stated multiple times that the {$20000.00} from XXXX into XXXX on XX/XX/XXXX, needs to be returned to XXXX. XXXX, since she has been locked out, has not been able to transfer the funds back to XXXX. XXXX received a printout from XXXX, XXXX XXXX Chase Bank Manager, listing a {$900.00} credit made after she zeroed out the account. XXXX is unsure if this account has a {$0.00}, or {$900.00} balance. Bank Manager XXXX was informed that there is $ XXXX in her account that does not belong to her. XXXX said there is nothing she can do during an investigation and gave XXXX the number ( XXXX ) XXXX to get some answers. XXXX spoke with XXXX who could not provide any info. XXXX, Chase Executive Office ( XXXX ) XXXX phone Case # XXXX Fax 1 : XXXX Fax 2 : XXXX At this time, XXXX has been told XXXX has just been closed. Chase refuses to provide her any information in regard to why she was kicked out of Chase Bank and what Chase has discovered in their investigation. | ||||||
| 05/19/2023 | Yes |
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| Good Morning, I am writing this express my displeasure with the experience I had with Chase Bank on Wednesday XX/XX/XXXX. I had recently filed my XXXX tax return through XXXX XXXX and I made a human error of putting in the wrong checking account number ( the 4th number was off by one digit and should have been a XXXX instead of a XXXX ). I didn't realize this until XX/XX/XXXX, but a week prior I had called to speak to a customer service representative at Chase to check on my refund and they had told me it has not been received. As per the IRS.gov refund tracker, it stated that the amount of {$3700.00} should have been deposited into my account via Direct Deposit as of XX/XX/XXXX. There was also a payment for the amount of {$900.00} that should have been deposited as of XX/XX/XXXX, as per the NYS.gov refund tracker. The initial customer service representative told me to wait 21 days to see if the payment will be received. After waiting for a few days, I took the initiative to make sure everything was correct with the checking account number. I then realized the error and called Chase immediately to have the situation rectified. In my first call on Tuesday, XX/XX/XXXX, I was told that there is nothing they can do to have the payment rerouted and that I have to call the sender to have them retract the payment. I was told that the payment was already applied to another customer 's live account, which means Chase Bank did not verify the identity/name of the receiver for Federal and State Tax Refund. Even with human error, I believe this is a security concern for the best interest of the bank and its customers that needs to be addressed along with all of the information I am about to give you. I called the sender XXXX XXXX, which is a service used by XXXX XXXX to send payments for tax refunds. They stated that their bank ( XXXX XXXX XXXX ) can not retract payments unless Chase Bank cancels the payment and the customer then provides them with a trace # to track the rejected Direct Deposit. On XX/XX/XXXX at XXXX I called Chase and got another representative in the claims department who told me that the payment was rejected on XX/XX/XXXX, XXXX and gave me 7 digit claims number after I asked for a trace # for the alleged canceled direct deposit of the funds. After calling back to the XXXX XXXX, they told me this was supposed to be a 15 digit trace number so I then called back Chase at XXXX and got a claims specialist who told me that these funds were again deposited into the wrong customer 's live and active account without them verifying the identity. After being bounced back and forth between two entities that could not resolve my issue I began to get frustrated so I called again at XXXX, and asked to speak to a manager. I did not appreciate the lack of accountability that XXXX of the top banks and companies in the world had in regards to allowing my funds reach someone else 's account. The manager had even used words like " assuming that you're telling the truth '' after I was lied to by one of the representatives by them stating that these funds were rejected and returned. As if I wanted to spend my actual birthday trying to resolve an issue that could have been avoided by me and also a bank I've been banking with for close to 10 years. The manager reiterated that the funds can not be retrieved once they are in the possession of another customer, which I find to be a flawed policy which needs to be review. This is basically giving a customer who is not entitled to use my funds, entitlement to use funds that DO NOT belong to them. I had asked the manager to provide information or an employee ID for the employee that I could have reprimanded, and I totally understand why that information may or should not be given out. I do not appreciate the tone and the lack of initiative that I experienced by someone in the managerial position of a XXXX XXXX company. It would have been appreciated to have been pointed to the direction within this 40 minute call instead being told " I'm upset because I'm hearing what I want to hear '' or " I don't know what to tell you, there is nothing we can do for you. '' I asked him if it is in good business practice to have reps lying to the customer and he just gave me a corporate address to write a complaint. I was also hung up on by this same manager who took the call. After reaching out the IRS as my last resort and calling the bank one last time XXXX to see if they can have these funds returned to the IRS XXXX a claims specialist told me at this point I just have to go to the IRS with no further resolve or restitution. Needless to say, this was the WORST experience I ever had with Chase Bank because this is something that should never happen regardless of human error. With all of the identity and scams going on in today 's times there is no way there should be a lack of security, especially when it comes verifying or matching names and account numbers for a tax refund being deposited into a bank account. Whatever extra steps have to be taken in order to avoid these issues should be taken to avoid something like this in the future. The bank should always be the last SAFETY net when it comes the electronic transfer of funds. | ||||||
| 05/13/2020 | Yes |
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| The Problem with JP Morgan Chase is with the information they are reporting on my Credit Report. I submitted 3 dispute Letters under the FCRA 623 dispute process. In my 1st letter dated XX/XX/2020 and a 2nd Letter Dated XX/XX/2020 I pointed out inconsistencies in the reporting as it pertain to XXXX, XXXX, and XXXX. There were reporting of 3 different date of 1st delinquency, date of last payments, date of last activity being reported. This leads to 3 different dates of removal from the CRA. In my letter to JPMCB I spelled these inconsistencies out specifically and requested specific documentation to ascertain the true and accurate reporting for those areas I listed above. JP Morgan Chase replied to my dispute letter on a issues that was never the contention of dispute. The fact of the matter is the account # XXXX is past the 7 years expiration date to be remove from my credit report. By Chase reporting different dates and activities to the 3 Bureaus therefore their reporting is inaccurate. Under FCRA Sec. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) ; Sec. 623 ( a ) ( 5 ) ( A ) and the Fact Act Law Im entitled upon written request to ask them to provide all documents that prove the legitimacy of there reporting of the 3 different versions for the same account. Chae must report the date of 1st delinquency, date of last payment date of major delinquency, date account closed, and payment history the same to all 3 Credit Bureau and they have not. For these reasons alone and only these reasons I disputed the reporting with JP Morgan Chase Bank after first disputing with the Credit Bureaus and JPMCB inform them accounts was accurate when each Bureau has differents information on the account in question. So now since I believe that CHASE handling of my payments and account information has been negligent and in violation of the FCRA and the FACT Act Law I've requested from them 1. a copy of the written agreement that stipulates the terms for a delinquent account 2. The amount owed at the time account was closed 3. A copy of the last 12 billing statements mailed out prior to account being closed as to establish for myself the Date of 1st Delinquency and Date of Last Payment and last 12 statements prior to the date of last activity. 4. State the maximum delinquency when account was charged off and closed 5. Provide documented record on when account became past due when it became delinquent 6. I need Chase describe and show the Date of 1st Delinquency, Date of Last Payment, Date of Major Delinquency First Reported, Date Account Closed, and Complete payment history up until the closure or charge off of account as reported to EACH OF THE 3 CREDIT BUREAU. 7. I need chase to include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. If your firm OUTSOURCES your METRO-2 data-entry provide the name, contact address and location of that firm. Does the responsible data-entry firm or department prescribe to the International Organization for Standardization IOS 9000 standards for quality and if so what is the adjunct certification number and date? Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency. Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST 4 Complete METR ) -2 updates submitted to all three Credit Reporting Agencies on this account ( In METRO-2 format including COMPLETE J-Segments and K-Segment with FULL End-Trace ). If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of Respondeat superior. If CHASE can not produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION that you are deleting account from CRA. Said notification must INCLUDE a formal stipulation that you WILL not continue reporting on this outdated account. The WRITTEN NOTIFICATION must also be provided to all the major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions. This will serve as a final request before my intent to file lawsuit for violations of the FCRA and FACT Act Law. I know my rights as a consumer and i am entitled to request this documents. or if CHASE does not have the records or can not correct these errors on the CRA 's reports DELETE IMMEDIATELY will bring this matter to a conclusions | ||||||
| 04/28/2023 | Yes |
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| Dispute claim number : XXXX Credit card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022 Billing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Reason for decline : Customer did not return purchased item as documented in the original response. Customer swapped items with garbage and returned just a XXXX pound package as shown and evident on the XXXX confirmation documents. None of this was addressed by the cardhold-er. The documents also show the cardholder was the shipper as indicated on the documents under # shipper : XXXX CA. The merchant states it would not provide a prepaid label for customers ' returns unless a defective item was shipped. Issuer provided no supporting documents to allege the merchant was the shipper. Since the cardholder was the shipper, the cardholder is responsible for the pack-ago. 1. When I returned my item to the merchant I returned as 100 % original package and item, not swapped with garbage. 2. When I received the package I received as defective condition with arrived. I contacted the merchant the first with in 3 days since the return period is 30 days. They told me that they can offer exchange, and provide me a exchange label, then I ask for refund, They told me inorder to get return for refund it need the manufacturer documentation, so they ask me to provide them with the manufacturer notes stats the item is truly defective. So I call the manufacturer which is apple Then I provide them with the next business day, with a email response both picture and written, XXXX case number XXXX, After that then send me a return label for return. 3. Customer swapped item with garbage and returned just a one pound package as shown and evident on the XXXX confirmation documents. For this first, the exchang label that send to my email, the refund label they send me to email, also the original order shipping tracking number are ALL XXXX tracking label not XXXX as they mentioned. Second for The one pound package both the return label and exchange label they offer me are the Pre paid label, the one pound information is what the merchant they write it on my label, is not the actual weight of the package really is. ( please see DetailedTRACKINGRETURN and DetailedTrackingEXchange PDF ) for reference. Also the original XXXX order tracking number according XXXX website not really indicted what the original package really weights. ( please see orginaltracking.pdf ) 4. All the following information are the correct. I have all the Email history, PDF, XXXX tracking number, manufacturer ( Apple ) documentation support on myside that supports my claim. 5. Overall : There are many inaccurate information from the merchant, Including XXXX documentation ( actually is XXXX ), One pound ( merchant are the once who put this incorracte imfomration on the label, not I am swapped the item due to the weight no match ). not provide prepaid label for customers returns unless a defective item was shipped ( confirmed with the manufacturer as the merchant requesr as fact a defective item was shipped ). ( And they did provide label ). All the evidence that merchant provided all failed to support their claim. 6. I returned the item in the original condition as it was delivered in my hand. They must provide a picture when they open my box that garbage is in order to have a strong evidence. I knew that all return must be same item, so I have check my invoice check all the serial number, documents matches on the invoice before I repackaged the original box. If they really have detailed documentation when they check the package, they will not come a garbage answer, because everything are the same. 7. If they are unable to provide the picture evidence of garbage is when they did the inspection, i will consider it as fraud chargers, in addition, if when they provide a picture for a computer at the time they did the inspection came the answer the garbage it must be the same serial number on my invoice ( so that this can ensure that they did not pick a random computer to titled as garbage or not in original condition ) ( for the serial number on the invoice please see serialnumberontheinvoice.pdf ). 8. After they approved my return for refund, provide my shipping label with XXXX pound on the lable. And after receiving my return, then they send me an email saying they won accept the return. ( please see the XXXX and XXXX ). This is possible that they did some modification on my package, take evidence submitting as valid charge to the bank. 9. On all the email I send them, and all the communication. They never told me I was returned garbage Nor provide me the picture in the email. Just simply says won accept the return even as defective. This is against their quotes it would not provide a prepaid label for customers ' returns unless a defective item was shipped. Also this is against their return policy ( please see Returns Policy.pdf ). Or below. Defective or Damaged Items Defective items may be repaired, exchanged, or refunded at our discretion for the same model or manufacturer 's equivalent model. The credit card company declined my dispute with ignore the evidence I provide, and can not prove a strong, directly evidence to prove this order is no issue at all. | ||||||
| 02/04/2021 | Yes |
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| Hello I am currently banking with J.P. Morgan Chase and my issue follows : I first reached out to XXXX XXXX by email on XX/XX/2020 requesting to book for XXXX XXXX. Immediate response follows and a number of emails and phone calls were exchanged discussing price, dates, etc. Both XXXX had an initial deposit. Through the emails we had issues processing the payments but ultimately the initial deposit was on XX/XX/XXXX amount of {$3000.00} debit card + {$1000.00} XXXX payment + {$500.00} XXXX payment. The second part of the transaction was paid on XX/XX/2020 in the amount of {$2000.00} XXXX payment + {$500.00XXXX XXXX payment. These two deposit transactions were to secure my spot for the XXXX and XXXX dates. The third transaction was done in person on XX/XX/2020 for the labs, XXXX XXXX, XXXX XXXX, XXXX, garments I had not yet paid for. They were unable to take card payments for these charges therefore I paid in cash a total of {$680.00}. Receipt is attached. The fourth transaction took place on XX/XX/2020 which was XXXX for my first XXXX. On XX/XX/2020 I finished the payment for the rest of the labs, XXXX XXXX, XXXX XXXX, etc for both XXXX in person with cash because yet again they couldn't take card payments in a total of {$120.00}. Receipt is attached. On XX/XX/2020 both XXXX were paid for in full and I did not owe anything more to XXXX XXXX, I was cleared for both XXXX. The first XXXX was successful and XXXX XXXX fulfilled half of what I paid for. When it came down to the second XXXX, the original doctor denied me the XXXX and requested I choose another doctor so they did not fulfil their part of the service I had paid for at that point. I also lost travel money including stay, gas, food and I also paid a XXXX along with their travel, stay and food to spend the time with me while receiving the XXXX as I could n't drive or XXXX XXXX of myself. I then emailed my coordinator at XXXX XXXX, XXXX in which she booked me with a new doctor. I had been too hesitant after the first doctor 's opinion and decided not to go through with it as I felt unsafe at that point. Then through email, I discussed using the money towards other services provided. XXXX XXXX agreed and both my coordinator XXXX and the accounting department confirmed this could be possible but never got back to me again after that. I contacted multiple people to try and solve this with limited reply. I ended up asking for a refund and still no reply. That's when I decided to call Chase in XXXX to dispute this as they took {$3500.00} from me and had not provided me any service after the first XXXX. Upon contacting Chase, the first representative did not mention my transaction had to be within 120 days to dispute. According to the final dates of the transactions I was not outside the 120 days as the full payment was done XX/XX/XXXX in person at pre-op the day before my first XXXX. Without this cash payment, XXXX could not have been conducted for either XXXX as I was obligated to pay for the XXXX XXXX, labs, etc. it was absolutely necessary upon both XXXX. I was not aware of this rule myself. If I would have known, I would have disputed this charge early to avoid this hassle but I was recovering from my first XXXX and was contacting multiple people at XXXX XXXX to try to get a response and come to a reasonable conclusion. Chase went ahead and filed the first claim. I later learned from the second representative that the first claim was out of date and that's the reason for denial. The first representative never asked me about the details of the other transactions to better pinpoint the dates corresponding. This is their fault for not informing me of all the information needed to process this claim correctly in a timely manner. The second representative continued to file a second case in which she was more thorough about what happened but never mentioned that it would get denied again because of the time frame. I essentially wasted hours on the phone. All that being said, the initial payments were DEPOSITS and the final transaction took place on XX/XX/XXXX, falling within their time period. Chase is NOT protecting my money. I did everything possible on my end, including trying to resolve things with the merchant. Upon reviewing everything thoroughly, I see that I ended up paying XXXX XXXX {$500.00} extra for the deposit. I paid {$7000.00} for my XXXX instead of the agreed amount of {$6500.00}. Communication was very weak and XXXX insisted I owed more which I actually didn't. Therefore the charge back should be in the amount of {$4000.00} total not {$3500.00} as I initially requested. Ive already lost thousands of dollars over this, I feel cheated, and my bank is literally doing nothing to help me or get my money back. My current dispute with Chase was for the keyed in deposit transaction of {$3000.00} ( by XXXX XXXX ). This is the first claim that was denied. The second claim I added the XXXX transaction of {$500.00} which also was denied. I tried to do the correct thing to resolve these issues and compromise with both the merchant and Chase yet I am the one out of money. The corresponding conversations, dates and emails are attached for you to review. Thank you for your assistance. | ||||||
| 01/04/2021 | Yes |
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| Coupon for {$2000.00} cash clearly shows the terms are set at XXXX maintaining balance for 90 days. thats not disputed. Whats disputed is the private client banker named XXXX XXXX at the sunset branch in XXXX XXXX told me differently. He vehemently argued against me and my understanding of the coupon needing to maintain a XXXX balance for 90 days. He completely convinvced me the coupon was at XXXX balance due to the Chase changing the rules. He went on to tell me he has multiple clients that already received the XXXX payout for coupon on the balances of XXXX not XXXX. He reasoned its due to the coupon is to get new money and more people signed up for the chase private client services. He was very convincing but I only had his word and a coupon that read differently. So that is when I asked if he could put something in writing as i had already moved funds to another account that wasnt in my best interest and wanted to move the funds quickly over but first needed this written confirmation. During the course of our 20 minute exchange i told XXXX that he better be sure of the information he is providing me as i would hold him accountable and to honor it ifanything was different. He laughed it off and said I know what i am talking about and cited how long he has been working etc. Since that last phone call. XXXX has ignored repeated phone calls for two weeks straight. Finally on the third week I spoke with his female manager. Who instead of being concerned about the lack of returned calls just took information about other incidents that were not her branch. I told her the details of my exchange with XXXX and she said she would reach out to the coupon dept to see if they could do an override. She explained the coupon terms again which were not what XXXX had stated but said she would try and honor what XXXX stated by contacting the coupon dept. To this date i have never received a phone call from anyone at that branch. They are playing cover up. I filed a complaint with the XXXX about the issue. The executive level office has taken over 2 months dragging their feet with this case. They transferred it to another staff with no explanation or notice provided. When I would call to find out whats going on they stated " research '' I spoke with XXXX first who was handling the case. She relieved me when she said " IF XXXX SAID Those claims THEN WE HAVE TO HONOR THE COUPON '' she advised me the executive level has FULL AUTHORITY to make exception to the coupon rules etc. I was relieved becauase I knew very well what tj told me about the coupon and convincingly so. I also knew at this point that XXXX was wrong and the reasons he was not calling me back was it would have been a very difficult conversation for him to have admitting he was completely wrong and I was right and that he is now not going to honor the coupon. He ducked out and whats worse is the executive level is rubber stamping this behaviour and believe his side of the story. During my call with XXXX i found out and asked if the branch calls are recorded. She told me they were not. i still had hope that they would believe me as its just reasonable to do so at this point. The executive level now called me today to deny the coupon but said they have some more research to do. The executive level did nothing to help me at all. They were not my advocate. I reported they didnt call me back for many many calls for two weeks when i was simply trying to sign the document and come in and move funds. Everyhting was set to go and last minute tj stopped all communication with me. The executive level XXXX is the assigned agent now this is the research. she calls XXXX branch or emails XXXX branch mentions me calling multiple times and not getting a call back. The branch states " we were with clients when he called ''. XXXX ( my advocate ) says " OH OK, well that wraps up my investigation then. I have offered to provide cell phone records showing the phone call i had with XXXX and the phone calls after our initial communication proving i am telling the truth. Chase executive level is not interested in this at all. It is disgusting XXXX employees have zero accountability. and things like this can fall down to he said she said and believing the one side who has less proof than the other Only one of us stopped returning multiple phone calls and never called me back at the end of their business day. Only one side is not calling the other side back to this very day. Its disgusting the exectuive level can white wash this and make me wait around for months only to deny the coupon. This executive level stated if XXXX made those claims then we MUST HONOR THE COUPON. This was misleading as they didnt in the end They are not doing the moral right thing here. A business deal was made over the phone with XXXX. He is lying his way out of it like I knew he would. Just because the phone calls at the branch are not recorded or monitored does not mean i should have to face the consequences of that., I moved funds based on his false information. It is clear even to XXXX that it " looks like XXXX found out differently and is avoiding the communication '' This group of people at the executive level have zero honor. | ||||||
| 12/23/2017 | Yes |
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| Based on the HAMP guidelines and reviewing the acceptable hardships I meet seven out of twelve, which are illness, loss of job, failed business, XXXX XXXX XXXX, reduced income, medical bills, natural and unnatural disaster. Why didnt Chase apply the HAMP program that reduces the interest rate down to 2 % and spread out the payments to 40 years to meet the 31 % threshold set out by HAMP. As you look in the exhibit 1 you will find the numerous hardship letters, SSI XXXX pending review, doctors statement XXXX XXXX XXXX profit and loss statement, and XXXX XXXX XXXX XXXX Clearly, I proved the hardship and the income was supported by XXXX XXXX the co- borrowers SSI and income property to satisfy the mortgage. I am writing to respond to Chase Home Mortgage, a bilateral transparency new complaint based on transparency of records. The inaccuracy report by Chase Home Mortgage to grant XXXX XXXX, grantor, further prove false promises and discrimination. Thus, Chase Home Mortgage action are identified under Deceptive Trade Act violation, alone with discrimination against a woman, age XXXX, gender female, and against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, pending XXXX, and XXXX XXXX in XXXX. Clearly, these citing violates my Fifth Amendment and Fourteenth Amendment of Due Process Clause vicious and capricious which has caused deliberate harm to grantor, result in a wrongful foreclosure, displacement, and loss of XXXX precious valuables and birth photos, memorable articles, and my life valuable. According to Chase Home Mortgage letter dates XXXX. XXXX, XXXX says, Weve Recd the information you sent, no additional request needed. XXXX. XXXX, XXXX, We need additional information to review your mortgage assistant request, says, call us right away at once of the telephone numbers above. all other requests are cleared. I am sure, I called the case manager. As records indicates, I respond diligently as time is of essence. On XXXX XXXX, XXXX, letter received indicate We want to help you find a payment assistant option for your mortgage, per grantor, No visit ever happened. On XXXX XXXX, XXXX, another letter from case manager says, We want to help you find a payment assistant option for your mortgage, again per grantor, No visit ever happened. The last correspondence from Chase Home Mortgage, on XXXX XXXX, XXXX, a letter in regard to Weve rescheduled the foreclosure sale for your property, by XXXX XXXX, Case Manager. As you can see, the grantor file began as early as XXXX up to XXXX without delay in response. In my duress of grief, mental and physical illness, the importance to stay in the property shown an honest effort to comply with case manager requests. In fact, in the end Chase Home Mortgage fail to hold up their end of the agreement to assist grantor with payment assistance option for mortgage and RMA re-files six to ten times with the same information. It was said, loan modification usually takes six months, however, in my case it taken five years. My confirmation transmittal records from XXXX XXXX, Case Manager, XXXX XXXX, Case XXXX, and XXXX XXXX, and XXXX XXXX, other Case Managers on dates : XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fab. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX and XXXX. XXXX, XXXX. XXXX. [ Exhibit 2 ] Here are Chase Home Mortgage correspondence to grantor : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Most of these dates had been responded by a fax and a follow up call and a few XXXX shipments. [ Exhibit 1 ] Enclosed is the correspondence from XXXX XXXX, Executive Assistance, Chase Home Mortgage, correspondence that says, we have completed our research are addressed in exhibit 1 & 2. Whereas, Deceptive Trade Act Violation is addressed in the law and should be taken serious and a protection to the American people. No citizen should loss their life investment when a tragic life financial situation arises or thrown on the streets because a bank considers the grantor a high risk. As a realtor and through paralegal research there are many false promises big banks make on a daily base. Big banks are getting away with crushing people lives because it does not affect their families. I demand return of property and value FMR and three times the loss, court cost, and damages. Your truly, I have attachment to be review with fact, finding, and conclusion of the review. | ||||||
| 03/14/2022 | Yes |
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| On XX/XX/XXXX, I made my first payment to JP Morgan and Chase for a loan on a XXXX XXXX XXXX. I provided my account number and routing number over the phone to cover the initial payment on the account of {$630.00}. I received a confirmation number XXXX for the received payment. After receiving the confirmation number, I did not receive any correspondence from Chase Financial stating anything was wrong with the initial payment. However, when I called on XX/XX/XXXX to make the second monthly installment on the loan, my balance was {$1300.00}. I was concerned about the balance, however, I proceeded to make the payment the same way I made the initial installment on XX/XX/XXXX, the confirmation was received for the payment # XXXX. On XX/XX/XXXX I received a notification that I had XXXX delinquent account from XXXX XXXX. Afterwards, I called Chase to find out why my balance was {$1300.00} instead of the standard {$630.00}, I was informed at that time that the initial payment was returned on XX/XX/XXXX, however, Chase could not provide a reason and told me to contact my bank. I realized at this point that Chase reported the account delinquent, however, I had no idea the initial payment was returned until I called. I did not receive any mail correspondence, an email or a phone call to tell me the initial payment was returned. I contacted the bank because I knew I had sufficient funds and my bank was not able to find where the funds were attempted to be pull. My bank representative told me to call Chase back and retrieve a 15 digit trace ID, so they could search with more detail for the attempted charge and return. The bank representative confirmed that I had sufficient funds the entire month that the payment was supposed to be pulled. I spoke with XXXX XXXX Chase on XX/XX/XXXX who provided little help, however I did inform him that I did not understand why the initial payment did not go through and that I made another payment the same way on the XXXX. Due to the original payment not going through I provided XXXX with a different account to pull the second installment from, though I already had a pending payment that I made on the XXXX of XXXX. Even if both payments, the XX/XX/XXXX and the XX/XX/XXXX were accepted and pulled, I wanted to make sure that the loan payment was covered, better safe than sorry. While speaking to XXXX I informed him that I had not set up my online account yet, because I did not have an account number, probably because I hadn't received mail with the account number on it yet and I was trying to log in with the account number to my XXXX vehicle statement. He provided me with the account number and I was able to set up an online account. After XXXX took the payment information, I requested to speak to his supervisor he transferred me to XXXX. XXXX stated that he would begin looking into the issue, however, I was either hung up on or the call was lost after going through the entire situation with him. When I called back I requested to speak to another supervisor. I eventually got through to XXXX, whom I informed of the situation, he stated that he originally saw all payments were okay and that I was a good paying customer. After we conversed further I began inquiring about what happened with the original payment and he stated that I can't make a payment from my savings account unless it's online. I told him that I was not aware of that and he basically brushed it off and began being very short with the situation. I told him my credit took over 60 points worth of a hit and if he could look into how I could amend the situation, as I have always been an on time consumer and I didn't want this to cause such a scar on my credit. He refused and began being very short. I then asked him why I wouldn't be informed that the initial payment was rejected in a timely fashion for me to correct the issue and he simply stated it's not Chase 's responsibility to inform the customer of that type of information and I need to check my account more frequently. I told XXXX that once I receive a confirmation number, I don't usually check my account multiple times a month because I've never had to with any of my accounts, I make my payments and move on until it's time to pay again. XXXX pretty much just told me it's all my fault and I need to check the accounts more often. Dissatisfied with the lack of empathy I received I called again and spoke to XXXX on XX/XX/XXXX, she heard my story and transferred me to her supervisor, XXXX. XXXX was concerned about the situation and stated that he would look into the matter and give me a call back. Ultimately it was deemed by Chase that it was not their error and they could not help. I am not alleging that it's all Chase 's fault, however, I believe they are being very unreasonable in their approach to this situation. I've been diligent with my credit and now this one situation will leave a scar for years to come. I'm really just hoping that someone from Chase will work with me on the matter, see my side and empathize to help me correct it. My auto loan with them has years left and this initial situation has really made me question if I'd want to do business with a company that handles their customers this way. | ||||||
| 09/02/2022 | Yes |
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| XXXX XXXX XX/XX/2022 - Regarding Chase Acct ending with XXXX This is regarding the charge dated XX/XX/2022 - XXXX XXXX XXXX XXXX for {$260.00} I went to XXXX with my girlfriend. We arrived on XX/XX/2022, went through customs, and were picked up by our car rental company XXXX. They escorted us to their shop, where we paid for the vehicle ( using the other card, ending with XXXX ), and then left. After leaving, we pulled across the street to a money - exchange place. I paid in cash roughly {$50.00} to get XXXX. Our plan that day was to go from XXXX to XXXX, which is in XXXX, XXXX. This drive was about 3 hours or so - It took a little longer than normal because I took a route avoiding tolls, as well as its on off roads with narrow lanes - So I had to pull over constantly. Shortly into our journey to XXXX, we filled up with gas at a local station. This was because the rental vehicle we received started with a half tank, and I wanted to get us enough gas to cover our trip without having to worry. I believe it was the XXXX - The address according to XXXX - XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX. Im not 100 % sure it was this location, but the pictures look familiar. I remember there being green colors on the pumps. I pulled up to the gas station and paid for a half tank of gas. We were driving a XXXX so half a tank was quite a bit. I gave my credit card to the gas attendant- he took it out of my hand for a few minutes while we were getting filled up. He told me it was going to be {$42.00} or so, so I said okay, and then I gave him a tip of XXXX pesos. From there, we left. We never left our vehicles. We continued onwards to XXXX. Once we arrived in XXXX, we got a meal at a local restaurant called XXXX XXXX XXXX XXXX. I was not very happy with my dish nor my girlfriend. I would not recommend it. We used the same credit card again for the meal. We did not spend much time here afterwards as my girlfriend just wanted to see the town. I wanted to get to the XXXX XXXX before dark as I had never been to XXXX before and was nervous. So we got back to the car, took XXXX to the XXXX, went to XXXX, got on the XXXX XXXX to XXXX XXXX XXXX where our XXXX XXXX was. When we got there, it was late afternoon. We stopped at a grocery store to get some water and toothpaste. We used the other card. Then we went to the XXXX XXXX and wrapped up for the night. I believe this false charge happened at the gas pump. The person I spoke to today said it was within a minute of purchasing the gas. That, combined with the shady reviews of the gas station, and the fact that when you XXXX the creditor name XXXX it comes up with a bunch of results of people having the same experience. _________ Now to detail my experience with Chase - I called into Chase to dispute this transaction after returning from XXXX. They removed the charge and the foreign transaction fee, and then told me they would investigate it. A month later, I got a phone call from someone from Chase asking for more questions. I answered them to the best of my ability. They told me based off of the information provided they were going to add the charge back. I told them no, I did not make this charge they suggested. They told me I could file another dispute. So I did. And today I got a letter on their website from them saying they still think the charge is valid. So I called in. And I spoke to about 20 people from 3 different departments. I was transferred every single conversation. Originally, I spoke to someone from fraud. I asked for a supervisor. They told me that this charge needs to go to the merchant dispute department, as I handed my physical card over to the lender, therefor it's not fraud, it's the merchant over charging me. Merchant dispute told me to write a letter with documentation ( which is what you'll see as my explanation above, i copy and pasted ) and to send it in online. So I went on the website, and when I went to provide the documentation, it asked me to call in instead at XXXX. So I call in, and I get fraud. They tell me they're going to transfer me over to dispute. Dispute sends me back to fraud. Fraud sends me to merchant department. Back and forth. I spent about 2 hours on the phone trying to resolve this today. Eventually, someone told me that to resolve my issue, I need to go to a Chase bank, provide the statement I filled out and have them fax it in to the dispute department. I don't know if that is correct information at this point, because everyone I have spoken to has given me different information. At this point I am extremely frustrated with Chase as a service provider. Please note - I am not 100 % certain that is the correct address for the gas station. I was in a foreign country, and everything was in a different language, so I am not sure. I think however it was a XXXX. I've attached to this submission the statement charges on that date as well as the statement for the month on both credit cards. As well as I attached the letter I wrote to the company I was unable to upload. Please note, the fraudulent charges occurred on the card ending with XXXX. Also note, I dont think the charge being re-added will show on my XXXX statement. | ||||||
| 11/21/2019 | Yes |
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| On XX/XX/2019 at around XXXX ET, I received an email from Chase notifying me of access to my account. I did not attempt to access my account at or around this time. A few minutes later, I received email notifications about charges for the amounts of {$1500.00} and {$4900.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I did not make these transactions as I was still in the office and immediately called Chase to report the fraudulent charges, regain access to my account, close the card with the fraudulent activity, change my account password, and request a new card. During my call with Chase Fraud, I was informed that the in-store transaction at the XXXX store used the chip on my card. This was impossible as the card was in my possession and I was in my office, located almost 2 hours away from the store, at the time of the transaction. I had multiple colleagues who are alibis and confirm I was in the office at that time. Security footage from the building can also verify my physical presence in the building. Further investigation revealed that earlier that day at XXXX, someone ported my cellular number to a new device at the XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX. In speaking with XXXX, I learned someone had presented a fake ID and forged my signature to authorize the number port. I was able to recover my account and port my number back on XX/XX/XXXX. I believe I was the victim of a very coordinated and sophisticated identity theft / fraud attack. The attacker knew my telephone number, that I banked with Chase, and other personal information. By porting my telephone number, the attacker was able to intercept my Chase login authentication code and fraud authorization text messages. Furthermore, on XX/XX/XXXX, I received a call from the XXXX store located at XXXX XXXX, XXXX XXXX, NY XXXX informing me someone walked in and tried to port my number again unsuccessfully. During the week of XX/XX/2019, I received a call from someone named XXXX claiming to be from Chase Fraud. He asked for verification information after providing inconsistent information. I declined to provide information, fearing it was a phishing call, and instead called Chase directly. The Fraud representative I spoke to assured me everything was fine. Later in the week, I received another call from XXXX, which went to voicemail. I tried calling XXXX back multiple times every day for the next week or two and could not get through. He also did not return any voicemails. On or around XX/XX/XXXX, I received a letter from Chase informing me my fraud claim was rejected because I had " received a benefit '' from the transaction. The transaction was fraudulent and I received no benefit nor could anyone at Chase tell me what this meant when I called. The Chase representative I spoke to suggested I email her supervisor, XXXX, with my side of the story. I emailed her asked for what documentation I could provide and never heard back. During the week of XX/XX/XXXX, I contacted Chase again and was informed my claim was denied because I had not supplied any documentation. I informed the representative I had contacted Chase to ask what documentation was required and never received a response. The representative gave me another individual, XXXX XXXX, to send documentation to. On XX/XX/XXXX, I sent Chase documentation including 1 ) Proof I was not in or near XXXX XXXX at the time of the fraudulent transaction, 2 ) A statement under penalty of perjury from my colleague confirming I was in the office, more than 2 hours away at the time of the transaction, 3 ) Receipts from XXXX showing the number was ported and my signature was forged in the port, 4 ) a police report number, 5 ) a US Postal Inspector report number. Chase continues to claim the transactions are valid. When I asked why they think that, they refused to provide justification. When I asked if they looked at the documentation that clearly states I was not at that location at the time of the transaction, they would not confirm they looked at it. During the week of XX/XX/XXXX, I contacted chase again and learned they had sent a replacement card prior to the incident on XX/XX/XXXX. I did not receive that card. If that card was stolen in the mail, I can understand why Chase believes the transaction occurred in person. However, it took more than a month for them to share that fact with me. I am still in the process of disputing this with Chase. I try to call multiple representatives multiple times a day and no one picks up or returns my call. I made every effort to notify Chase and provide information in a timely manner and Chase is making me jump through hoops and do their own investigative work. They are currently asking me to provide a copy of the police report, which takes several weeks, and documentation I froze my credit or filed an identity theft report, which seem extraneous to the circumstances of this incident. This has taken a lot of my time and caused significant emotional duress. Chase claims I'm not liable for fraudulent transactions but refuses to recognize this transaction as fraudulent despite my timely notification and thorough documentation. | ||||||
| 12/12/2021 | Yes |
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| Chase Auto Finance has inaccurately reported a late payment to my credit report. This false information is seriously jeopardizing my ability to be approved for new credit, and recently prevented me from getting a mortgage. In approximately XX/XX/2017, a payment was made on this account with a Chase representative. While all of my other payments on this account reflect as being on-time, Chases representative processed this payment against the wrong account number, resulting in the payment being returned. Chase then did nothing to notify me of the failure to process payment. The above was confirmed by a Chase supervisor on the phonespecifically, they confirmed that the account number the ACH debit was issued against was missing the last 2 digits, but otherwise matched the correct account entirely. The account had enough funds to process the payment, yet the proper account was never debited, due to a Chase representative in a foreign country mistyping the account number. Despite Chase not notifying me that it had committed this error, the very moment I discovered Chases inaccurate payment application, I immediately submitted a replacement payment, which was successfully processed, just as every other payment on this and all my other accounts has been. I pride myself in my strong creditworthiness, and my credit report documents that I pay all my bills on time but this false 30-day late payment from Chase has reduced my credit score by possibly 100 points and has caused me several direct financial consequences, resulting directly in financial injury. Chases credit reporting is the only thing standing in the way of having a perfect payment history over the entire duration of my report. There are several important facts to consider : a ) Chase has acknowledged and confirmed that the account billed matches the correct payment account, but was typed without the last 2 digits ; b ) Chase processes many, many payments from XXXX XXXX, and should have been well aware of the correct number of digits for a XXXX XXXX account ; c ) Chase already had the account number on file, and that the same ( correct ) account number had been used to make almost every payment on the account, including the previous payment ; d ) though Chase regularly made calls, they made no call to indicate that the payment failed ; e ) no written or email communication from Chase was received indicating the payment had failed ; f ) the representative did not verbally confirm the account number, presumably because they already had it on file. Chase has been notified many, many times of this problem, in explicit detail, both via phone and in writing, as well as via the Credit Reporting Agency dispute process, and has refused to take corrective action, despite knowing they committed this error. Even if Chases system has the perception that the payment was 30 days late, there was no volitional conduct on my part, the payment was not 30 days late as reported, nor was it intended to be, and I took immediate action to remedy an error that was not caused by me in any way. Chases error is causing great hardship. These facts do not support their continued reporting of a 30-day late payment. The law requires Chase to only report accurate information, and this information is not accurate. Chase has received notice pursuant to the Fair Credit Reporting Act ( 15 USC 1681, et seq. ), specifically 15 USC 1681s-2, and all other applicable laws, as a furnisher of credit information, Chase was required to consider that notice a notice of dispute, and are bound to adhere to the regulations set forth in the aforementioned statute. They did not. By reviewing my account history with Chase, you will find that this is not the first example where Chases representatives have incorrectly and erroneously applied a payment with this account. In one previous example, they entered the wrong auto loan account number ( their account number ) for a payment, and applied my full monthly payment to the incorrect auto loan account, despite being fully verified and authenticated by their automated phone system, with my account number directly on the representatives screen. To be clear, my account had been debited, but they applied the funds to another persons account. In that cause, I caught Chases error before they reported it to my credit report, but they still made me gather documentation to prove their own error with their own records to them. In fact, there is a pattern of irresponsible behavior on the part of Chase Auto Finance with regard to handling payments from consumers, and furnishing of inaccurate and misleading credit information to consumer reporting agencies. A cursory search of XXXX XXXX XXXX, XXXX, and even other CFPB complaints will help to reveal this pattern of behavior. I respectfully request that the CFPB take prompt corrective actionnot just on behalf of myself, but of all United States consumers who have had the unfortunate displeasure of doing business with this irresponsible and unprofessional corporation. This correspondence is not intended as a complete statement of facts, claims, or remedies as they may apply to this matter, all of which are expressly reserved. | ||||||
| 09/10/2022 | Yes |
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| First of all I like to thank you for the opportunity to request your assistance your very helpful organization I received absolutely not one alert this was outrageous not to my e-mail not to my phone at the home or to my mobile phone text nothing I was advised there is a uniform commercial code that protects me from them cashing a severely a severely altered check On XXXX XXXX XXXX I wrote a check number XXXX from my chase bank account for XXXX for XXXX payable to prime locations that was for my maintenance for my appointment at my address in XXXX XXXX New York what happened was the check was intercepted and stolen as far as we can figure out it was washed altered and deposited in basically a criminal's account from XXXX it was changed to XXXX it was deposited on XXXX account number XXXX in the name of Michael raudules the check was paid on XXXX XXXX XXXX I realized that the check was not delivered to the recipient by contacting them and advising them had you received my check i yet, I'm XXXX XXXX XXXX and my family especially my son XXXX was helping me try to resolve the problem, I contacted Chase Bank on XXXX XXXX XXXX and spoke to the representatives advising them that the check had not been received &that the post office had advised her that there have been repeated repeated break Ins to the green post office transfer box in front of a building at XXXX XXXX XXXX XXXX even though, they advised me to give it some more time repeatedly, I advised them sending checks in the past it was a few days this was 10 days old now I was very suspicious, finally the check was cashed on the 28th I realize that what my statement was received in the second week of XXXX XXXX I contacted them immediately and advise them that a XXXX check it came in what they did IN PAST was they had me link my account to another account they advised me this was a sensible thing to do this cause a catastrophe, there was insufficient funds in my account ending at XXXX and they passed it to my much larger account advising me that the linking was always don't forget I'm XXXX years old and I did not realize it was a XXXX foolish, that left me a tremendous harm and somehow benefit the bank it didn't benefit me in anyway and was a very cruell thing to do to a senior citizen as I stated started contacting JP chase on XXXX XXXX I must've spoke to 30 different representatives between that date and the end of XXXX to date I've spoke to over 100 they frustrated lied to me tormented me don't forget I am XXXX XXXX XXXX I feel this was elder abuse people of being exploited and taken advantage of I think that's a crime what is happened obviously is God bless you XXXX XXXX XXXX you have the power to help bless you my phone number is XXXX the home phone numbers XXXX my e-mail is XXXX XXXX I received not one single alert I would repeat that I received not one single alert the check was deposited it was altered wash it was an outrageously high check I never write checks and not quantity of money ever I was not alerted which is outrageous unconscionable when my statement came in I realized and on XXXX XXXX XXXX contacted Chase XXXX and spoke to XXXX XXXX they had sent me to various departments I advised him of what happened and they said they would take care of it and contact me back I did not get any updated whatsoever I continue to call them back in early XXXX and XXXX the advised me to fill out some documents back I'm quite severely disabled and my son and daughter went with me to the bankand had me fill out declaration of unauthorized was they had me take these documents to the recipient,prime locations they handle the maintenance at my apartment in XXXX XXXX so we had to go back and forth get these individuals to sign the paperwork that they never received the check they made an outrageous wild goose chase telling me continuously that I was protected there was nothing to be concerned about the Uniform Commercial Code states that they should not process of altered check that they retain liability this check was washed it was completely altered I was never notified that such a check came in I did everything I possibly could notify number early advising them in XXXX the check was late advising them in XXXX that a massive amount of funds were deducted from my primary account that they had caused me to link a very small account that I kept very small amounts of money for protection of fraud they had caused me to link this account with a much larger account advising me this was a good idea it would save me overdraft fees this was all a lie it cause a dramatic harm anyway you can understand to an elderly person or goal it was extremely painful I put my faith in the bank So what transpired they refused to refund me the XXXX trying every technique imaginable and one I mean every every technique imaginable to evade liability it was incredible they stonewalled lied repeatedly I haven't been in contact with them for months to no avail I've contacted your service award past and you have been phenomenal I really would like some assistance I feel I was abused I feel I was betrayed and lied to repeatedly with the warmest regards God bless you guys XXXX XXXX | ||||||
| 09/12/2019 | Yes |
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| Early XX/XX/XXXX : Received a pre-approved credit card offer from Chase for a different type of card with " 0 % balance transfers '' for a period of time. Since I had a balance on my previous card, I thought, " Why not move my balance to the new card at 0 % for a few months while I pay it off, then use my existing card for continuing daily expenses? '' So I applied and was approved, though it appears that my applying for this additional card triggered some sort of internal red flags at Chase. Read on ... XX/XX/XXXX : Account was closed abruptly. Upon accessing my online account portal, I read the closure letter which stated a single reason : " Not enough credit information on file ''. XX/XX/XXXX : Called customer service at the phone number listed on the account closure letter ( XXXX ) to inquire. I was told that my credit history is too short ( approximately 3 years of account history ) and was asked why. I reported that I had begun rebuilding my credit history in XXXX after repaying all debt from a previous difficult time. I further reported that my account with Chase is now 1.5 years more seasoned than it was when I opened the card. I then asked that card be reinstated, since nothing has changed since opening the card 1.5 years ago, relative to the stated reason for closure " Not enough credit information on file '' except that I now have 1.5 years MORE good credit history since the account was opened. XX/XX/XXXX : Received my new Chase card with {$1800.00} credit limit in the mail. But by the time it arrived, the new account, AND my seasoned account were already both closed. XX/XX/XXXX : Received email stating that I had a letter in my online portal. There was no such letter within my online portal. However, the email I received had a " snippet '' which stated, " Dear Customer, We posted a new notice or letter to your " Statements & Documents '' on chase.com. We didn??? t ( sic ) reopen your credit card We encourage you to read the entire letter, because it contains specific information about your account. '' XX/XX/XXXX : I called customer service again to request an additional consideration. The account representative asked if there was further information about why my credit history is so short. I stated that after the economic crash of XXXX-XXXX, which left me personally financially devastated due to a real estate business decline, I had paid off all of my debts and AVOIDED BANKRUPTCY, taking care of all creditors. This should make me a good credit risk now that verifiable credit history is being reported since XXXX. Further, I stated that I have never been late on a single payment, spend thousands of dollars per month, using the card for many life purchases, and that I'm a good and profitable customer for Chase. XX/XX/XXXX : I received another email, identical to the one received XX/XX/XXXX, with the identical statement, " We didn??? t ( sic ) reopen your credit card '' ( errors included as received ). XX/XX/XXXX : Filed this complaint at consumerfinance.gov. SUMMARY : In XXXX-XXXX, I experienced heavy personal and financial losses which created negative credit marks. I subsequently handled all creditors and paid off all accounts, and by so doing, avoided bankruptcy, unlike so many others who were in a similar situation as me after XXXX-XXXX. This took many years of hard work. In XXXX, I opened my first new line of credit, then over the following 3 years, several more, being careful to include different types ( e.g., installment, revolving ) of credit. Since opening my Chase Sapphire account 1.5 years ago, I have never been late, never been over the limit, and have charged nearly {$150000.00} through this account in personal expenses. Much of that time, my credit limit was only {$7500.00}, which meant that I had to be extra conscientious with my {$150000.00} in activity, most months paying thousands of dollars in payments. I love Chase and want to continue my relationship with them, even intending to expand that relationship to include banking and an upcoming mortgage application. In all ways, I have been a good, loyal and reliable paying customer of Chase. It is unfair, abusive and bad form now to have my account closed when the following three facts exist : 1 ) The account was closed for my credit history being " too short '' ( XXXX to XXXX ). Yet, my account was opened when my credit history was HALF as seasoned as it is now. 2 ) My credit limit was INCREASED in late XXXX or early XXXX from {$10000.00} to {$14000.00}, and yet my credit at that time was still shorter than it was two weeks ago when " too short '' was given as the reason for closure. 3 ) I have kept the account in good standing and used it in such a way so as to be a profitable customer for Chase. Finally, I have had since XXXX, multiple business lines of credit that do not appear on my credit report that have all been paid satisfactorily, with zero late payments, and loan amounts in the tens of thousands of dollars each time. I am a good and strong credit risk, and a profitable customer for Chase. If reopening my account is possible, I would suggest that it is a pretty safe bet, and would be a terrific act of good will. | ||||||
| 05/20/2019 | Yes |
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| Chase and i had an agreement on my escrow shortage, Escrow : Taxes and Insurance Statement Summary Escrow Payment Options XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Customer Service Center XXXX Hearing Impaired ( TDD ) XXXX Monday - Friday XXXX XXXX - XXXX XXXX ( ET ) Saturday XXXX XXXX - XXXX XXXX ( ET ) Please detach and return the bottom portion of this statement with your payment using the enclosed envelope. chase.com chase.comXXXXXXXX. Current Payment New Payment Effective XX/XX/XXXX Total Payment Amount {$480.00} {$510.00} Escrow Shortage {$490.00} Other online bill payment service or military allotment customers : Your escrow account is short {$490.00}. You have three options to pay the shortage : Option 1 : Pay All of the shortage now. Option 2 : Pay part of the shortage now. Option 3 : Pay nothing now. Escrow Shortage {$490.00} Important : Please return this coupon with your check. Option 1 : Option 2 : Option 3 : You are getting this statement because you have an escrow account. That is a special account that we provide for you to pay your property taxes and/or insurance. It is also known as an Annual Escrow Account Disclosure Statement. With an escrow account, you pay a portion of your taxes and/or insurance monthly instead of once or twice a year. Monthly, part of your monthly mortgage payment goes into your escrow account. When your taxes and/or insurance premiums are due, we pay those bills for you with the money in your escrow account. Once a year, we are required by law to review your escrow account. This statement includes the results of our review. It includes a history of the activity on your account this year and the activity expected for next year. For more information about escrow, visit XXXX Page 1 of 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Principal & Interest {$390.00} {$390.00} Escrow Account Deposit {$84.00} {$99.00} Plus : Account Balancer/Shortage {$0.00} {$17.00} Loan Number XXXX Statement Date XX/XX/XXXX Review Period XX/XX/XXXX to XX/XX/XXXX but after i looked today and was surprised how they committing fraud on me XXXX XXXX Date Description Amount Unapplied Open information dialog : Unapplied funds Balance XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$67000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$110.00} {$0.00} {$67000.00} XXXX XXXX, XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$67000.00} XX/XX/XXXXESCROW ADVANCE {$260.00} {$0.00} {$68000.00}, XX/XX/XXXX ESCROW ADVANCE Principal {$0.00} Principal Interest {$0.00} Interest Escrow {$960.00} Escrow Fees {$0.00} Fees {$960.00} plus i paid XXXX a month up to XXXX XXXX i was Escrow Shortage {$490.00}, i would like a refund from CHASE JP Morgan i didn't owe this much in escrow they took XXXX for my escrow shortage, and my payments to Chase is Fraud i got all my bank statements, after i added it up owed XXXX for XXXX from suspense of XXXX that covered XXXX and XXXX payment of XXXX, Executive Office XXXX XXXX XXXX XXXX, OH. XXXX phone number XXXX XXXX XXXX XXXX case worker on the account n XX/XX/XXXX i had a family emergency and ask CHASE bank to return one payment and they did then in XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX of XXXX i keep the payments going as normal XXXX .Then in XXXX of XXXX i was denied a repayment plan for XXXX, by CHASE for one payment so they put me on forbearance plan so i didn't send a payment for XXXX but paid in XX/XX/XXXX, but in XXXX of XXXX i sent XXXX and it got returned to my bank so i broke it down and sent XXXX XXXX and XXXX that covered two payment left me for XXXX payment with some in suspense.The XXXX was sent in XXXX but they added it XXXX, then in XXXX i sent XXXX XXXX i sent XXXX, XXXX i sent XXXX then XXXX i sent XXXX since the XXXX went to XXXX and XXXX it left me for XXXX my XXXX payment should have went XXXX, XXXX payment to XXXX, XXXX payment to XXXX and XXXX and my XXXX payment to XXXX with money suspense account to almost cover the XXXX payment but in XXXX i looked on My CHASE account it said i owed for 4 payments so in XXXX i made two to stay out of foreclosure.But i didn't owe for 4 payments 2 weeks before this i owed two payments then it jumped to four in week at this point i owe XXXX for repayment i have to pay my regular mortgage and half of each payment that be over 700.00 a month and i get XXXX XXXX a month i no i don't owe over thousand dollars i have been going back and forth with CHASE since XX/XX/XXXX and it just gets worse .I fell they is discrimination on my part over me drawing XXXX. I am half XXXX from XXXX but the main thing is CHASE is not wanting to correct my payments each time i do try they turn it around on me .Like my credit if i get a alert my credit score went up i just wait two days and CHASE fixes the credit to make it worse, this time in XX/XX/XXXX they reported to credit company that i missed XXXX payment and was 30 days late 60 days late and 130 days late so my score is under 400 i need help if CHase leave my credit alone i have over 600, i did a modification during the Modification all payments was put to end of my note but Chase they would not be reported but they did that was lie, this is bank fraud and i can send any information at the request | ||||||
| 10/25/2023 | Yes |
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Web | Servicemember |
| ank you for finally sending the overpayment from Chase Auto Finance. Maybe you are finally getting things right for us. These accounts are still appearing and I'm still getting calls galore and emails or passed-due Still violating all the rules unbelievable From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX PM To : Chase XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX XXXX I appreciate your message, but you say it is my fault because I keep submitting new information. This is incorrect as the entire file was sent over a year ago, and I believe it was originally resolved in full and then back to being partially resolved. I have only continued to submit the information repeatedly because it keeps going back and forth. I don't like to be the one to be blamed for this fiasco. I would like to have this resolved. Regardless, at this point, you all have violated so many regulations on this. I have emails that go back documented last year ; before that, I don't know if I can bring up evidence of contacting you for help, and nothing is done, but I will research it further and see. These text message threads and phone calls were sent to you and sent to the consumer site reporting the phishing calls I believe they are referenced as. We have the report sent with the information. These all date back to last year. It has well been passed the allowable times to resolve, and all documents, reports, threads, and information were sent and documented last year. These accounts must be resolved today and removed and updated from our credit files. Thank you XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : Chase XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/XXXX as we were incapacitated and hospitalized for the entire period of XXXX XXXX XXXX. You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. I have tried time and time again to get help from your offices. XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Re : Message from Chase Executive Office there should be a huge refund coming back to me for all the overpayments and charges not belonging to me. we were already told this was handled more than once and then sent multiple letters advising you removed it from our credit record and we are not responsible and then you continue this and it's not handled. This case needs to be closed in full and handled. From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase CreditCardExecutiveOffice XXXX ; XXXX XXXX Subject : Fw : Message from Chase Executive Office Still receiving and getting phone calls this is not right This should be fixed and handled by now. From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX AM To : Chase CreditCardExecutiveOffice XXXX Subject : Re : Message from Chase XXXX XXXX XXXX XXXX XXXX for getting back to me XXXX hoping you will be the final one to close this out and resolve this in full. Im still getting calls an emails stating payments due and passed due. This is incorrect. From : Chase CreditCardExecutiveOffice XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Message from Chase Executive Office Dear XXXX XXXX XXXX Im writing to let you know I am still researching your concern. I will contact you once it is complete. If you have questions in the meantime, I can be reached at XXXX, extension XXXX. XXXX relay calls are accepted. I am available Monday through Friday from XXXX a.m. to XXXX XXXX XXXXXXXX XXXX. Thank you for your patience. Sincerely, XXXX Chase Credit Card Executive Office XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX This message is confidential and subject to terms at : https : //www.jpmorgan.com/emaildisclaimer including on confidential, privileged or legal entity information, malicious content and monitoring of electronic messages. If you are not the intended recipient, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited. | ||||||
| 03/17/2023 | Yes |
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| On Sunday, XX/XX/2023, I received a phone call from my authorized user associated with my Chase XXXX XXXX XXXX card. My authorized user asked me if I had made a {$230.00} purachse at a XXXX XXXX store, which I had not. He had called to check the balance of the card and said he was notified of the latest transaction. I checked my statements through the app and discovered a total of 5 unauthorized charges on my card. Neither my authorized user nor I made these purchases. I called Chase to notify them and they gave me credit for the transactions and told me they would investigate. They cancelled my card and mailed me a new one. I disputed the following charges : {$55.00} at XXXX XXXX XXXX, {$37.00} at XXXX XXXX XXXX, {$230.00} at XXXX XXXX XXXX XXXX, an additional {$16.00} at XXXX XXXX XXXX XXXX, and another {$60.00} at XXXX XXXX XXXX. I thought nothing else of it and thought it was settled until they contacted me over a month later on XX/XX/XXXX asking me to verify if my authorized user had their physical credit card to which I told them I believe he did, however, he didn't make the purchases. They asked me to contact him and verify and called me again on Monday, XX/XX/XXXX to ask me the same questions to which I replied the same answers. They told me that the transactions were made " in person '' and therefore were not considered fraud. I told them that someone must have gotten my information somehow and made a card. I don't know what happened, all I know is that these purchases were fraud. They told me the charges would be added back onto my card until it was investigated and that they would send it back to their fraud department to investigate further. No more than 7 hours later, they sent me an email saying there was a letter enclosed in the app. I checked the letter and it claimed that the investigation was complete and that I am responsible for all 5 charges because I " benefited from them ''. They also charged my card again for the {$400.00} amount. I completely disagree with this " finding '' and don't understand how an investigation can be completed in a few hours. I then filed a police report with XXXX PD on Tuesday, XX/XX/XXXX. The officer taking my report told me to just give the report number over to Chase and told me the report wouldn't be ready for about a week. He said I didn't need the report and to just give them the report number. On Wednesday, XX/XX/XXXX, I called the fraud department and was told to email them the report. I told them the officer only gave me the report number and said that was sufficient. Chase told me they prefer the actual report but that I could send over the report number. There is a {$25.00} fee involved with getting a report from what the officer told me. After sending the email, I was contacted again on XX/XX/XXXX ( today ) and told that they can not consider these charges as fraud because it was made in person with my authorized card holder 's card and was paid via tap to pay. At this point, I don't know if for some reason someone else got a hold of his card and used it and returned it, but we know neither of us made the purchases and don't know who did. Chase then told me to send them the report, as a report number would be of no use to them. I asked if they can obtain video footage somehow to prove it wasn't us and they said the cops weren't going to hand that footage over to them and neither was the store and they wanted me to go back to the police station to ask an officer to obtain footage. I feel as if they have a better chance of obtaining it because they are fraud prevention and I feel as if that is their job. They have been wanting me to do all the work and have no proof that these purchases were made by my authorized card user. I have a sick grandma who I'm helping take care of all while working long hour shifts all week and this is an added stress and problem I don't need. I would not be going to this extent if I believed it wasn't fraudulent. Chase just told me that I can get video footage myself and send it over to them to " prove I didn't make these purchases '' even though they should be able to check IP addresses and see that I was nowhere near that location on the day of the transactions and neither was my authorized card user. I told them that I don't know how long stored keep their footage for or if I was able to obtain that a month plus later and asked them what would happen if they don't have the footage anymore. They told me I would be responsible for all of the transactions if I couldn't prove it wasn't me. I don't even know what exactly was purchased or the exact store locations. They expect me to go to the store when the app doesn't even give me a full address and I don't know what I'm looking for. I am stuck in the middle now and don't know what to do. I feel like it is their job to do this investigating and they are stopping at the bare minimum. Everyone I talk to gives me the same response and I don't know where to go from here. There is nothing physucsllly showing I'm at fault, yet they're going based off of a technicality. I'm thinking of completely cancelling the card if this is how they are going to treat their customers. Please help. | ||||||
| 12/10/2021 | Yes |
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Web | Older American, Servicemember |
| On or about XX/XX/XXXX, I received a letter from JP Morgan Chase Bank dated XX/XX/XXXX, requesting me to go a chase bank branch to update personal information of both signers on a business account for XXXX XXXX XXXX, XXXX. The letter had a 30-day deadline. On XX/XX/XXXX, my wife and I went to JPMorgan Chase Bank, N.A. ( XXXX ) ; XXXX XXXXXXXX XXXX XXXX, and spoke to the branch manager XXXX XXXX XXXX and provided him the letter that we received. XXXX XXXX checked the company records with the Louisiana Secretary of State to verify that they were up to date and he contacted Chase bank back office and asked for our driver licenses and he made photocopies of both Louisiana Driver licenses. He prepared the attached business depository certificate for a limited liability company ( change ) and he asked for our company titles and asked us to sing new signature cards and told us that all had been taken care and no further information was required from us. On or about XX/XX/XXXX, I tried to deposit a check using XXXX XXXX XXXX ATM card and the ATM machine rejected the deposit, so I went into Chase Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX, and tried to deposit the check with a bank teller and she told me that I could not deposit the check because my business account was frozen. I was alarmed by the news and went to speak with the XXXX XXXX, XXXX XXXX XXXX and explained to him my concern. XXXX XXXX called the back office again, and they told him that the driver license digital images that he scanned on XX/XX/XXXX, were not uploaded. XXXX XXXX, took scanned our driver licenses again, and submitted them again to the back office and told us for the second time that the system takes 24-48 hours to load up the scanned images. On XX/XX/XXXX, XXXX XXXX., I tried to withdraw funds at an ATM and it denied me access to my account and would not even open the account. On XX/XX/XXXX, at about XXXXXXXX XXXX., I went to Chase Bank Branch located at XXXX XXXX XXXX XXXXXXXX XXXX Louisiana XXXX. I requested to speak with the business account manager and they told me that I had to wait two weeks before I could be seeing. I explained to the customer service representative that I had an urgent matter with the business account for XXXX XXXX XXXX and she called a business account representative in XXXX XXXX whose name was XXXX who was supposed to call me back. At about XXXX XXXX, XXXX called me back and I explained the situation and she told me that the XXXX XXXX did not recognized my driver 's license and because of that my account had been closed and that I could not reopen a business account with chase bank. XXXX XXXX told me that she would look further into the problem, but since it was a day before XXXX, she would call me on Friday or Monday at the latest. XXXX XXXX never called me back. On XX/XX/XXXX, I received a check from chase bank that says : " Dear XXXX XXXX XXXX, XXXX we closed your account, and attached a check for the remaining balance. '' There was no explanation of the reason why my account was closed so unfairly after banking with chase for more than 15 years. On XX/XX/XXXX, I received a bank statement for XX/XX/XXXX, that shows a debit check withdrawal that I did not make nor did I approve which closed my account in a very arbitrary and abusive manner. JP Morgan Chase Bank unfair business practice due to an internal scanning system and perhaps negligence and/or lack of communication between back office and XXXXXXXX Branch manager XXXX XXXX has created the following hardships for a small family XXXX veteran owned business. a. Arbitrary and with prejudice closed XXXX XXXX XXXX, XXXX business account after 15 years. b. Back office neglected/failed to inform XXXX Branch Manager XXXX XXXX that the scanning systems failed to upload both driver licenses for my spouse and me. c. Back office neglected/failed to provide XXXX Branch Manager XXXX XXXX with an alternative option to upload the required digital images of our driver licenses. d. My wife and I, went to obtain new driver licenses and spent over {$100.00} to obtain them but were told by XXXX XXXX from XXXX XXXX that Chase would not reopen our business account for XXXX XXXX XXXX. d. Freezing and subsequently closing XXXX XXXX XXXX business account deprived our company from depositing checks or cash and/or withdrawing cash or making online payments to suppliers. e. Our chase bank account is link to the SBA XXXX and several other entities that pay us with direct payments and we are now deprived from receiving payments in a timely manner. f. We had paperless bank statements and we are now unable to retrieve any bank statements for XXXX to process and to file our income taxes for XXXX. As an honorable and law abiding citizen who served with the XXXX XXXX XXXX XXXX for 20 years and has suffered from service connected XXXX for more than 20 years after retiring from the XXXX XXXX XXXX, I believe that I am more than worthy to be given a favorable reconsideration by JP Morgan to reopen my small business account for XXXX XXXX XXXX and to provide an alternative to their scanning system which may have flows that are damaging the lives of people like my wife and I. | ||||||
| 06/09/2020 | Yes |
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Web | Servicemember |
| The following issue is with Amazon Chase Visa. Specifically it relates to claim number XXXX. Amazon Chase Visa has stated that " We reviewed the information available and found that you either received the services or the merchant made them available for your use ''. This is untrue as the painter I hired didn't finish his work and refused to return ; there are emails attached that show he refused to continue working and sent a " proposal to terminate the project '' after complaining verbally and that I had " lost confidence in him and the team ''. The emails also show that I refused to terminate the contract and ask that he return to finish the work he started and repair the mistakes he had made. I went so far as to try to get a notice of right to cure issued, which is a document demanding that work be finished on an existing contract. The owner of XXXX XXXX XXXX said his attorney would handle it in the email and refused further contact with me. I then issued the dispute and chargeback for the amounts paid on the Amazon Chase Visa card. XXXX XXXX XXXX then filed a lawsuit in small claims court in case XXXX in XXXX XXXX, Iowa. I countersued for damages to my property including catastrophic failure on the cabinets which were not primed or sanded. No or effectively no prep work was done. The result is that the paint is flaking, cracking, and peeling off. I spoke with several expert cabinet refinishers and other painters ; all of them have said the work was extremely negligently done and will need to be stripped completely before being redone. This alone was estimated to cost {$4800.00} just to return the surfaces to a paintable condition. I wasn't happy with the outcome but I did at least feel confident that the court would finally resolve this whatever the outcome might be. Court was scheduled for XX/XX/2020 and then on XX/XX/2020 I saw the the charges from Chase had been rebilled to my credit card. Due to a lack of staff at Chase I was unable to contact someone until XX/XX/2020. Chase rebilled the initial XX/XX/2020 prepayment of {$1900.00} and the XX/XX/2020 prepayment of {$3700.00}. I disputed this as well. I attempted to contact Chase but they stated that I would have to mail items to them over regular mail ( not email ) and that they could only communicate this way. I found a way to submit documents online at chase through account inquiry instead of dispute and verbally confirmed that chase dispute office had received this. Today XX/XX/2020 I was told that Chase considered the charges valid because " We reviewed the information available and found that you either received the services or the merchant made them available for your use. " This has disrupted the court case completely ; currently is suing me for money they currently possess and I am involved in a countersuit that does not encompass everything I am claiming. Amazon Chase effectively circumvented the court, made hours of court preparation and time spent with attorneys useless as it now no longer is applicable, and put me in a position where I must now find how to change what was a small claims court into a full court case as the dollar amount is now other the small claims limit. I'll provide further details below as well as attachments. I entered into a contract with XXXX XXXX XXXX, a painting company, on XX/XX/2020. I had hired them to paint the walls of home interior, cabinets in the kitchen, and walls/ceiling of the garage. I prepaid for materials at this point in the amount of {$1900.00} on this day. Work didn't begin until XX/XX/2020. Work was done through that week until Friday XX/XX/XXXX. At this point XXXX XXXX XXXX were pressing me to pay for the project but I had reservations as the work was not yet completed and there were other issues relating to damages that I was aware of. XXXX XXXX XXXX assured me they would complete the work and that there was a two year guarantee on the work ; I refused to sign the contract block signifying work was complete until I was satisfied and a compromise of prepayment of 90 % of the remaining project cost was reached. I was never satisfied with the quality of the work and nor did I ever say that was work was complete. Several items of mine went missing during this time as well including cabinet hardware, curtain rod hangers, rolling door wheels, and other items I found several major concerns regarding the work over the weekend ; several majors areas weren't finished, work quality was extremely poor, paint had been spilled in large splashes on a section of carpet, and paint droplets were all over the house. No cleanup effort was made at all as paint drops are present on wood trim, floors, appliances, furniture, garage floor, and even outside the house on the concrete and grass. I have contacted Amazon Chase Visa numerous times regarding this and after I contacted them on XX/XX/2020 I have been unable to get any real information from them. Even their final judgement on this only states they consider the charges valid without further reasoning as to how they can to that opinion. I'll attach documents relating to this case below. Thank you for reading and for your help with this matter. | ||||||
| 08/05/2022 | Yes |
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| I previously submitted a complaint via the CFPB as it relates to JP Morgan Chase 's ( " Chase '' ) closing/freezing of my personal and business accounts after I was the victim of a professional scam regarding a fraudulent cashier 's check. Over the past few weeks, I have worked diligently and spent hours upon hours on the phone with Chase and at various Chase branches. Chase responded by my initial compliant via a letter delivered to me via email on XX/XX/XXXX. I have attached a copy of that letter hereto. In the letter, they agreed to close and release all funds held in my personal accounts which was completed successfully within a week after receipt of the letter. They further informed me that the funds in my IOLTA client trust/escrow account ( ending in XXXX ) " have been approved to be released, and that a check will be mailed to me once the account in closed ''. Please see the highlighted language in the same attached letter. They further indicated that my operating account ( ending in XXXX ) is overdrawn ( which was a direct result of the fraudulent cashier 's check. There is an important distinction between an IOLTA trust/escrow account and a standard operating account. The funds in the IOLTA trust/escrow account do not belong to my business nor myself. Instead, they belong to my clients and are held " in trust '' on their behalf. Subsequent to the receipt of this letter, I received a telephone call on XX/XX/XXXX, on a " recorded and monitored '' line, from XXXX at Chase 's " XXXX Office '' profusely apologizing for the delay in the return of the funds in my IOLTA account and assured me that the funds were being delivered, in the form of a Chase cashier 's check, via XXXX Overnight with a tracking number of XXXX. This package was delivered on that same day - XX/XX/XXXX and contained, as indicated by the XX/XX/XXXX letter and XXXX 's phone call, a cashier 's check for the full amount of funds in my IOLTA account - A copy of this check is attached hereto. I proceeded to deposit this check into my new IOLTA account on XX/XX/XXXX and there was a hold placed on these funds. The next day ( XX/XX/XXXX ), Chase, inexplicably, issued a " stop payment '' on this cashier 's check causing a negative balance in my new IOLTA account and, needless to say, interrupting both my business and risking my client 's funds. This action is completely inconsistent with the clear and unequivocal language of Chase 's letter dated XX/XX/XXXX regarding the approval of release of these fund, with XXXX 's phone and the delivery, via XXXX Overnight, of said cashier 's check. Chase had ample time to research this issue and has no right nor basis upon which to " change its mind '' after issuance of the letter and check. I immediately contacted Chase ( and XXXX ) for an explanation regarding this matter and received a phone message yesterday ( XX/XX/XXXX ) that Chase was permitted to take this action because the check was initially deposited into my operating account and then, minutes later, transferred into my IOLTA account. Clients are unfamiliar with trust accounting and, oftentimes, make checks payable to my operating account which are deposited there and, subsequently, immediately transferred to my IOLTA account ( where they belong ). This is a technicality and was merely a function of the payee of the check. The funds were properly and promptly transferred to my IOLTA account. First of all, this does not provide Chase with any basis for refusal to release these funds or issue the " stop payment '' nor does it permit Chase, once again, to " change it's mind '' after issuing a final letter as it did on XX/XX/XXXX. This letter, allegedly, " closed '' this case and Chase can not simply reverse course- It was in possession of all of the facts from the submission of the first complaint and made a decision. There were no few facts discovered, delivered or divulged after the issuance of their letter. Chase is clearly, in my view, acting arbitrarily, incompetently or in bad faith. I have been a loyal and good customer for nearly 15 years and, when I become the victim of fraud, they, not only refused to provide any assistance but, instead took these types of actions out of spite or for some unknown reason. Even assuming, arguendo, that Chase was entitled to take this action which, needless to say, I do not believe that they were entitled to. It does not address the previous balance in my trust account, belonging to other clients, in the amount of {$30000.00}. That amount has been in my trust account for some time and bears no relation whatsoever to the current predicament. Thus, even if Chase 's actions were to be deemed proper, they are not entitled to seize amounts that have been in my trust account for months and that belong ( and are liabilities ) to my clients. Thus, I would request that Chase, as it originally, agreed to do on XX/XX/XXXX and actually did on XX/XX/XXXX, issue a full release of the amounts in my trust account to me. At a bare minimum, I am entitled to the return of the prior balance of {$30000.00} immediately. Thank you for your prompt attention to this matter. I can be reached at XXXX or ( XXXX ) XXXX. | ||||||
| 01/22/2018 | Yes |
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Web | Older American |
| I am writing to request an intervention into a denial by Chase Manhattan Bank to refund {$2100.00}, in fraudulent checks that were presented and cashed by the bank on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my office received a telephone call from XXXX XXXX ( XXXX, Tel XXXX ) stating that he noticed a few potentially fraudulent checks. I immediately contacted him and informed him that the checks that he identified ( Check # s listed below ) were not written by anyone from our company, nor signed by me ( the only signer ) and therefore, the checks were in fact fraudulent. I was at a local branch, on XXXX XXXX and XXXX XXXX, at the time I received this call on XX/XX/XXXX. I immediately sat down with a branch officer to report these checks as fraud. XXXX XXXX, branch officer, immediately called their fraud unit and reported fourteen checks as fraud and was given a Claim # XXXX. The Chase Fraud Unit reviewed the case and made a decision to refund only the checks that were presented on XX/XX/XXXX, totaling {$970.00}. Those that were presented on XX/XX/XXXX, which totals {$2100.00}, were not refunded. I was not pleased with their decision, and as such, I requested a second, and then, a third review of the circumstances, but to no avail. My branch officer, XXXX XXXX XXXX ( XXXX ), also contacted the Fraud Unit and asked them to reconsider their decision, but again the results were the same, denial. Chase staff at the XXXX/XXXX branch have been phenomenal in trying to assist me with this matter. There were several glaring issues with the checks that should have alerted Chase to their fraudulent status : 1. Fraudulent Checks are not signed with my name and I am the only signer on the account 2. Fraudulent Checks that were presented were not in sequence with the checks that I was writing at the time 3. Fraudulent Checks do not have the same Chase logo or address 4. Fraudulent Checks have no line for any signature I attached copies of the fourteen fraudulent checks that were cashed : XXXX - {$190.00} XXXX - {$290.00} XXXX - {$190.00} XXXX - {$290.00} XXXX - {$190.00} - refunded XXXX - {$190.00} - refunded XXXX - {$190.00} - refunded XXXX - {$190.00} XXXX - {$290.00} XXXX - {$190.00} XXXX - {$290.00} XXXX - {$190.00} - refunded XXXX - {$190.00} - refunded XXXX - {$190.00} For comparison, in order to clearly differentiate our valid checks from the fraudulent checks, I have also attached a copy of 4 legal checks. ( XXXX, XXXX, XXXX, XXXX ). These 4 valid checks written and signed by me and presented on the same dates of XX/XX/XXXX and XX/XX/XXXX. Please note both the glaring differences in the check sequences, as well as the pertinent data. In summary, Chase refunded 5 checks that were presented on XX/XX/XXXX ( XXXX- $ XXXX- $ XXXX- $ XXXX- {$190.00} XXXX XXXX - {$190.00} ). The total refund was {$970.00}. The total denial is {$2100.00}. Chase contends that since there was fraud on my account over a year ago and I did not, thereafter, change my companys account number, that I was responsible for the loss. I asked for reconsideration, as I explained that changing my account number would result in a severe financial hardship. In that, my income is based on direct deposits from our insurance payers and this money would be delayed. This calculation is based on my experience with Chase 3 years ago, when I changed my account number due to fraudulent checks and my funds were delayed. Also, please note that the aforementioned account number change did not prevent another round of fraudulent checks one year later. The name of my company is XXXX XXXX XXXX XXXX XXXX XXXX, a company that I started in XX/XX/XXXX to provide XXXX XXXX XXXX to the minority community. We help over 300 persons per year with their XXXX XXXX, so that they can be functional citizens for themselves, their family, and the community at large. Our income is nominal and we struggle to meet bi-weekly payroll for the community staff that we employ to serve our clients. Chases decision to deny {$2100.00} to a small company has caused a tremendous impact on our budget. I know that for Chase and other large companies, this amount is miniscule and is less that a drop in the bucket, but for us, it means less service, reducing some employees hours to compensate for the loss. In today 's volatile times, digital theft is on the rise and banks must be on guard to circumvent it when possible. In that light, if XXXX XXXX was able to recognize the fraud, and went overboard to contact us, then Chase should have recognized the fraudulent checks, as well. It goes without saying that Chase was negligent in performing the minimum amount of due diligence, before approving theses checks More importantly, they should be held accountable instead of my small company. In summary, after reading the above, I hope that you render a favorable judgment on the part of the company, and further, that you intervene to enjoin Chase to refund the companys money. I can be contacted via email at XXXX or ( XXXX ) XXXX. Thank you for your time, attention, and consideration of this very important matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. | ||||||
| 02/16/2021 | Yes |
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| Greetings CFPB, I am writing regarding an ongoing matter with Chase Bank and their seemingly 'dragging their feet ' regarding the processing/cashing of two checks going back in XXXX! XXXX totaling {$65000.00}. My personal checking account with Chase Bank is identified as follows : Name of Institution : Chase Bank Name on Account : XXXX XXXX ( me ) Debit Card : XXXX XXXX XXXX XXXX Overview : Two checks were written in good faith to me from XXXX XXXX to me ( XXXX XXXX ) back in XX/XX/XXXX, totalling {$65000.00}. The issuing bank ( XXXX XXXX ) honored and released the ENTIRETY of these funds from the holdings of XXXX XXXX to Chase Bank. These checks ( {$55000.00} and {$9300.00} ) were placed on hold in my account by Chase Bank for what they called validation and verification. In the meantime, Chase bank inadvertently CLOSED my account early in XXXX, XXXX for no apparent reason. My account was in good standing, but I was informed this was done in error. However, even though they recognized this as THEIR error, they didn't reinstate my account, but instead, said 'the account is closed and you will be issued a check finalizing your account, including the two outstanding checks! Since, XXXX XXXX subsequently died on XX/XX/XXXX. Her account has now been closed. The two checks totaling XXXX issued to me have been honored by XXXX XXXX and continue to sit with Chase Bank! I have made many calls to Chase Bank, seemingly all to an XXXX call-center and always without satisfaction. I have gone into the Chase Bank branch in XXXX Texas on many occasions in an effort to have this finalized AND HAVE DONE EVERYTHING THAT'S BEEN ASKED OF ME! I have been asked for following ( for verification and documentation purposes ) and have supplied to Chase Bank in the form of : PROOF OF DEATH At Chase Banks request, an original Death Certificate for XXXX XXXX XXXX was provided to me by the XXXX family and presented by me at a Chase Bank branch in XXXX, Texas on XXXX of XXXX, XXXX. This IS in their system! After speaking with XXXX from Chase Banks Escalation Department on XX/XX/XXXX, he advised Chase Bank would need to be supplied further evidence and documentation to provide validation, verification to facilitate issuance of these funds to me, XXXX XXXX : >I had to prove the beneficiary ( " POD '' ) of XXXX XXXX 's account is her son, XXXX XXXX, and he has to show he authorizes these checks. >I informed Chase Bank XXXX XXXX lives in XXXX, XXXX and of course, with the pandemic, would be unable to come into a Chase Branch to prove his identity and authorize these checks. >As such, Chase Bank requested the following information, which I informed XXXX XXXX and he organized at his expense and time ( {$400.00} ) and sent to me to submit to a Chase Branch ( which I have ) - ALL NOTARIZED and with an APOSTILLE, as requested by Chase Bank. 1. BANK STATEMENT PROVING Beneficiary Status : Evidentiary proof that XXXX XXXX, is the sole POD beneficiary of the account of XXXX XXXX XXXX. Submitted in person by XXXX XXXX ( me ) on XX/XX/XXXX for consideration, an ORIGINAL and latest XXXX XXXX account statement from XXXX XXXX ( XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX ) ; 2. AUTHORIZATION : Submitted by me personally, a notarized and with Apostille authorisation from XXXX XXXX at the Chase Bank branch in XXXX, Texas : XXXX XXXX, being the sole beneficiary on his mothers XXXX XXXX account ( in the name of XXXX XXXX XXXX ), recognize and authorize the funds from the two checks ( totalling {$65000.00} ) issued to XXXX XXXX by my mother ( XXXX XXXX XXXX ) to be released and processed in an efficient and forthright manner in the form of a check written to XXXX XXXX. 3. PROOF OF IDENTITY Proof of identity of XXXX XXXX was provided, including documents, with US passport, US Birth Certificate ( which also showed 'XXXX XXXX XXXX XXXX as his mother and XXXX Drivers License ) ALL notarized, ALL provided with an Apostille ( issued by the XXXX Department of Foreign Affairs and Trade ) and now personally submitted by Mr XXXX XXXX XXXX Chase Bank branch in XXXX , Texas . All other documents have been notarized and also provided with an Apostille ( issued by the XXXX Department of Foreign Affairs and Trade ) and now personally submitted by Mr XXXX XXXX. This fulfills ALL of Chase Banks requirements in releasing these funds in entirety to me, XXXX XXXX. This has gone on for 5 months and it is now business day 6 after presenting ALL required documents and I have not been contacted by Chase Bank OR their legal department ( which is outside the promised 3-5 business days, as quoted by XXXX of Chase Bank ) ; and I note for your records there have been many banking errors made by Chase Bank, including accounting errors, closing my account without his authorization and much misinformation given along the way. These occurrences have all added to the emotional distress and hardship for all parties ( when we should be allowed to mourn the loss of a beloved friend and mother in XXXX XXXX ). I may be contacted directly at : XXXX XXXX XXXX or email : XXXX Yours truly , XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ||||||
| 10/13/2018 | Yes |
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| In its response to my CFPB complaint Chase made statements that are contradictory and do not represent actual facts. On XX/XX/2018 CHASE had sent me a letter in my previous request to investigate the fact that my account is adversely affected ( I am not able to receive identification codes as text messages to my mobile phone number - a service that is advertised by Chase and that is available to other customers ). The fact was that my account was adversely affected due to the sole reason that Chase was not able to communicate to me via phone. 1 ) In its response Chase made the following statement : " On XX/XX/2018, you requested a document outlining a policy that states we wont assist customers that we cant communicate with by phone. We informed you that we have no such policy. '' In that same letter Chase also states : " When a request comes through the SMC that requires subject matter expertise we will provide the contact information for the appropriate department to you and/or will forward the request to the appropriate line of business for follow up. When this occurs, these requests must be addressed by phone. '' Here Chase clearly sates that they will not address requests made in writing, which means that they do have a practice of not assisting customers with whom they can not communicate by phone. I would like to emphasize that during my communications with chase in writing I inquired multiple times about what specific information does Chase want me to communicate by phone and Chase had never provided me with any specific requests. 2 ) Chase also wrote : " On XX/XX/2018, we explained again that SMC specialists dont have the expertise to resolve your concern via the SMC. We advised you that we will continue to log your inquiries about this issue but will not respond further. '' I do believe that Chase is employing specialists that can address my concerns and the information that I provided to Chase in writing can be forwarded to those specialists with no significant expense to Chase. I would also like to emphasize one more time that I have not received any requests from Chase for any specific additional information from any of its departments. 3 ). Chase also writes : " Weve identified reasons your arent receiving our texts. Weve researched your concerns and identified reasons you arent receiving our texts. '' This information does not represent the actual facts. Chase has not identified any reasons why I wasn't receiving text from Chase. Chase made some assumptions what possible causes might be and all those assumptions turned out to be false. I will address each one of them bellow. " First, our system shows the current number on file is incorrect. '' My phone number on file with Chase is 100 % correct. I would appreciate that when Chase is making such claims about its system Chase provides factual evidence of that. What Chase 's system shows about my phone number was not provided in their response. To the contrary Chase had made several phone calls to my number through their automated system and through persons leaving voice mail on my accounts of which I informed Chase multiple times in XXXX time period - Chase should have take this into account when it was writing their response to avoid making false statements when true facts were available to them. Chase writes : " You will also be asked to provide global consent via Telephone Consumer Protection Act giving us permission to send you text messages. '' In my correspondence with Chase that was attached my CFPB complaint I informed Chase that I attempted to follow their instructions to provide Chase the necessary consent, but in order for me to provide such consent Chase 's system requested me to enter a code sent to me by Chase via a text message, which I have not received, of such fact I informed Chase in writing. I have to note that Chase did change the status of my phone on file with them to that of a Mobile phone, but after that I was still not receiving text messages with identification codes from Chase. Chase writes : " Second, please contact your service providers Tech Support team to confirm they are not blocking our short codes, XXXX and XXXX. '' I informed Chase that I contacted my service provider and confirmed that my service provider was not blocking short codes XXXX and XXXX. Furthermore, On XX/XX/2018 XXXX XXXX PDT after I texted the word " help '' to XXXX I received a text message from XXXX that contained the following message : " Chase Mobile Visit chase.com/mobile to activate or get info Reply STOP to end all account msgs to this # Msg & data rates may Apply ''. ( While visiting chase.com/mobile simply directs me to chase log in page where I can log in into my account, but there is no " activate '' information on that site ). Of the fact that I was able to receive text messages from XXXX I informed chase in XX/XX/2018. So as you can see the Chase 's claim " Weve identified reasons your arent receiving our texts. '' is completely untrue and the supporting arguments they provided in their response to my CFPB complaint were known to them not to be true at the time Chase was writing their response. | ||||||
| 07/06/2022 | Yes |
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| On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit B ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date transcribed on the return slip [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK failed to respond to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK failed to clearly and explicitly provide me with the specific demands in the Validation of Debt Letter. As already mentioned, The C.F.O. for JP MORGAN CHASE BANK failed to do so. A representative of JP MORGAN CHASE BANK responded with statements which, pursuant to federal law, does NOT validate debt. No where in the law does it state that statements validate a debt. Moreover, if we want to get more technical, pursuant to federal law, a LAWFUL contract is : A Valid Offer, Adequate Consideration- must be TANGIBLE consideration, Valid Acceptance, Sound Mind/Mental Clarity and Meeting of the Minds + Wet Ink Signature ( both parties ). There is no way that JP MORGAN CHASE BANK can provide that proof because I have never met in person with the C.E.O. to discuss any alleged contract. This then provides proof that I never signed any alleged contract agreement in wet ink and neither did the C.E.O. of JP MORGAN CHASE BANK. Furthermore, on XX/XX/2022 I sent a Cease and Desist Letter to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit A ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date transcribed on the return slip [ Exhibit C ]. The C.F.O. for JP MORGAN CHASE BANK breached the cease and desist orders by contacting me after the fifteen ( 15 ) days from the date of receipt of receiving the letter violating 15 USC 1692c ( c ) [ Exhibit D, Exhibit M, and Exhibit Q ]. Moreover, On XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Invoice in the amount of {$19000.00} to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip [ Exhibit O ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit O ]. The C.F.O. for JP MORGAN CHASE BANK failed to lawfully rebut the Affidavit of Truth within ten ( 10 ) days via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. for JP MORGAN CHASE BANK consents to all judgements made and is liable to compensate me for all violations committed against my federally protected consumer rights stated via the amount stated in the invoice of {$19000.00} [ Exhibit O ]. Moving forward, because the C.F.O. for JP MORGAN CHASE BANK failed to rebut the Affidavit of Truth and compensate me for the damages per the invoice, on XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter to the C.F.O. for JP MORGAN CHASE BANK via certified mail with a return slip providing the opportunity to cure their faults [ Exhibit P ]. The C.F.O. for JP MORGAN CHASE BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit P ]. The C.F.O. for JP MORGAN CHASE BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the C.F.O. for JP MORGAN CHASE BANK in DEFAULT. The C.F.O. for JP MORGAN CHASE BANKs failure to cure their faults also means the C.F.O. for JP MORGAN CHASE BANK willfully and knowingly violated my federally protected rights and consents to all judgements made by me in the Affidavit of Truth. The C.F.O. for JP MORGAN CHASE BANK is liable to compensate me for the violations committed stated in the Affidavit of Truth, as well as any accumulated additional violations committed since. This amount is stated in the Bill of Particulars document labeled [ Exhibit R ]. As a last measure to stay in honor with federal law, I sent CFO for JP MORGAN CHASE BANK a notarized Notice of Default and Consent to Judgment Letter on XX/XX/2022, received on XX/XX/2022 [ Exhibit R ]. I provided the C.F.O. for JP MORGAN CHASE BANK the opportunity to cure by default by completing all of the following actions within ten ( 10 ) days from receipt of receiving the notice. JP MORGAN CHASE BANK failed to do so. Lastly, I sent a Certificate of Notary of Dishonor and Non-Response Letter and put all of my claims thus far on the record with a witness- which was sent to C.F.O. for JP MORGAN CHASE BANK and received on XX/XX/2022. I have yet to hear back. I am still receiving statements in the mail for this fraudulent account- which is a result of mail fraud and a criminal violation of 18 US 1341. The fraudulent account in question is also still being fraudulently and unlawfully reported to the credit reporting agencies harming my reputation and causing my life so much mental, emotional, and financial distress. | ||||||
| 07/03/2021 | Yes |
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Web | Older American |
| To Whom It May Concern : I am a XXXX-year-old senior with multiple XXXX. Back in XX/XX/XXXX, I opened a checking account at a Chase JPMorgan Branch in the heart of XXXX XXXX, CA. They took my documents, copied them, and opened the checking account without any issues whatsoever. Fast forward to almost 5 years later, during the Fall of XXXX, I deposited inside the account a $ XXXX check. The check cleared with no issues and was normally deposited through the ATM. At that point, as soon as the funds were available, I needed to send the money to my family, specifically my own daughter, so she could help me with managing several medical expenses and surgeries I had to undergo outside the US. Merely because in the previous 5 years I have never done an online wire transfer before, Chase JPMorgan unilaterally decided that it was a " suspicious '' transaction, so they blocked the wire that never went through, they shut down my daughter 's Chase account permanently and they also froze and block my own Chase account since the Fall of XXXX. Since then, infinite complaints have been filed because as a senior with XXXX, I am unable to physically walk into a branch to " verify my identity in person '' and unlock the account. Chase has knowns for years and still knows but they don't seem to care, at all. They have refused for the past 3 years every single type of resolution that I have proposed. They have rejected a notarized power of attorney in my daughter 's name, they have rejected setting up a remote identity verification and they won't even accept IDs and/or any other way to verify my identity without walking in person into a branch, even though my identity was never an issue for 5 years and even they admittedly locked my account exclusively due to the attempted wire transfer only, not because fraud was detected, not because any other suspicious activity was alerted, not because my actual identity was ever in questions. My debit card was never stolen and also my online credentials were never, ever, compromised at any point. Every time I log into my checking account Chase tells me to call them to unblock the account, but when I do, they hang up and claim they will not communicate with me any longer about the issue which they consider " resolved '' since they believe that is legal for them to keep all my money, indefinitely, to their own disposal, unless I physically walk into a branch in the US, which they perfectly know I won't be able to, due to immigration restrictions, my XXXX, and my financial and health struggles. They also refused to allow me to go into a branch that would be closer to me where I am undergoing medical treatments since they also do know that I have been outside the US to take care of my health. Especially during the pandemic, it was the hardest thing to not being able to access my own money and dispose of it as needed, especially since it was needed to take care of health-related issues and much more. The account has been blocked with almost $ XXXX inside it since the Fall of XXXX. Chase has been enjoying my money while they keep on insisting that they will not release my funds nor unblock my access to the account online unless I show up in person in a branch in the US, even though my identity was never an issue for many years and even though making a wire transfer isn't a crime and isn't a suspicious activity per se only because it was the " first one '' ever made during my account history, therefore too " unusual '' not to be suspicious. That is pure speculation and it can not be enough to keep my money until the day I die. Chase has been taking full advantage of the situation and has been discriminating and retaliating against me and my entire family. Even if Chase immediately releases my money, which they won't anyway, 3 years later is not going to be good enough anymore since, at this point, I need damages for everything they put me through. Foreigners aren't even allowed in the US since the pandemic started and Chase knows extremely well from my documents that I am not a US citizen yet, so, how can they possibly demand that I travel to the US in order to unblock my own money? It doesn't seem real what they have been able to do in the past 3 years without any concern and without any remorse. They now even told me on the phone that they won't communicate with me, ever again, that I am not allowed to call ever again, and that they consider the matter closed so they won't respond to any other communication from me regarding the matter and that they plan on keeping my money indefinetely. They also refused to set up any type of mediation and/or arbitration and they candidly told me that I need to pay for a lawyer if I want anything to change, except they also do know that I can not afford one since they have been holding hostage all my money, the savings of an entire lifetime of an entire family and they know it, and they have known for the past 3 years now. We need help with not only unlocking my account but also with getting the proper relief for what Chase has put us through, especially since I am a senior with multiple XXXX and they know it but they couldn't care less. | ||||||
| 07/22/2020 | Yes |
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| I have three disputed charges on my Chase Sapphire Reserve credit card ( listed below ). After disputing the charges online and calling, emailing, mailing, and faxing Chase, this issue is still not resolved. The merchant and I have individually submitted documentation to Chase saying that the three charges are incorrect. I have recently provided a letter from the merchants bank showing they have reversed the charges, but Chase still will not remedy the situation. The original charge dispute codes are : XXXX, XXXX, XXXX. My account number is : XXXX XXXX XXXX XXXX. Timeline/Summary : 1. XX/XX/XXXX : I stayed at a hotel in XXXX called XXXX XXXX. When I checked out of the hotel, the employee used an app-based method to charge my Chase credit card. It appeared the charge did not go through, he tried a total of three times. When it appeared that all three attempts were unsuccessful, he switched methods and charged the card through a separate website -- this charge went through. 2. XX/XX/XXXX : Four charges appeared on my account. Three XXXX charges and one XXXX XXXX charge. Each of four charges are for {$690.00}, three of the four are mistaken/duplicate charges. 2. XX/XX/XXXX ( o/a ) : I disputed the charges through my online account 3. Unknown date : Chase received documentation from the merchant 4. XX/XX/XXXX : I received a notice from Chase saying that they are upholding the charges. The notice does not include an explanation as to why Chase found the transactions valid. Additionally, the notice does not explain any future deadlines or additional required documentation. On page four of the notice ( page three of the documents from the merchant received by Chase ) show the final check out balance is {>= $1,000,000} XXXX Pesos ( COP ). At the time of the transaction, this was equivalent to {$690.00} USD. The document from the merchant shows that the total cost of services was {>= $1,000,000} COP, but that two advanced payments of {>= $1,000,000} were made on XX/XX/XXXX and XX/XX/XXXX -- totaling {>= $1,000,000} COP. The documents received by Chase from the merchant explicitly show the remaining balance was one charge of {>= $1,000,000} COP. ( See attached ) 5. XX/XX/XXXX : I called Chase, the representative said that they couldnt link the XXXX charges and the XXXX XXXX, so the disputes were closed. He told me that they needed more documentation and apologized that this was not communicated to me. He said all I need to do is send a letter via email to XXXX with documentation and supporting my dispute. 6. XX/XX/XXXX : I sent an email explaining the situation and a note from the merchant explicitly stating that the XXXX charges were mistakes. 7. XX/XX/XXXX ( o/a ) : I called Chase for an updated and was told the dispute resolution case was closed ( no letter received ), because I had not explicitly stated in my email that I disagreed with the findings of the initial review. I was told I needed to mail or fax a letter with my disagreement to Chase. 8. XX/XX/XXXX : I faxed and mailed a letter with all supporting documentation. 9. XX/XX/XXXX : Chase posted a letter to my online account stating that they are upholding the transactions as valid. The notice does not include an explanation as to why Chase found the transactions valid. Additionally, the notice does not explain any future or past deadlines or additional required documentation. 8. XX/XX/XXXX : I submitted a complaint with CFPB. 9. XX/XX/XXXX ( o/a ) : I received a call regarding my case from a representative at Chase Executive Office. He told me that the documentation received by the merchant shows that all charges are valid. I asked him to show me where in the documentation from the XX/XX/XXXX notice does it show that the charges are valid. He said he does not read XXXX. I said that page four of the notice is in English and says the remaining balance is was a total of {$690.00} USD ( {>= $1,000,000} COP ) which was payed as the XXXX XXXX charge. He refused to explain Chases interpretation of the documentation and said the only possible option to get my account corrected was to request a reversal from the merchant and send documentation of the reversal to Chase. 10. XX/XX/XXXX : I sent documentation to chase that XXXX ( the merchants bank ) had reversed the charges. 11 : XX/XX/XXXX : Chase posted a letter to my online account saying that they are upholding the charges as valid. The notice refers to an incorrect transaction, not the disputed XXXX charges. 12 : XX/XX/XXXX : I called chase and asked for clarification. The representative said that letter had the incorrect transaction and was a mistake. She said that unfortunately, they can not resolve the disputes because the deadline of XX/XX/XXXX had passed. Now, the merchant cant reimburse me through direct payment because the charges were reversed from their accounts and Chase refuses to fix the issue. This is in direct violation of 15 USC CHAPTER 41, SUBCHAPTER I, Part D 1666 because Chase received prompt notice and supporting documentation of the disputed transaction from the merchant and from me. Additionally, Chase has been charging interest on the charges. | ||||||
| 08/26/2022 | Yes |
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| I'd like to make a complaint about Chase 's deceptive use of flexible financing offers ( " My Chase Plan '' ) and its use of the term " interest saving balance ''. I am someone who pays off my credit card, in full, every month. I have all of my cards set up on autopay so that they pay the full balance each month without any intervention from me. In XXXX, I made a large purchase of {$10000.00} on my card for a medical expense - a charge that I would normally have paid off in full that month - and Chase contacted me with a promotional offer to set up a flexible financing plan, or " My Chase Plan '' to spread that charge over 9 months, with 0 interest and 0 fees. While I have never in my life carried a balance on any credit card before, the promotional offer enticed me, since it was completely free. When I set up the plan, I was required to change my autopay settings from paying the " Statement Balance '' to paying an " Interest Saving Balance ''. Chase describes the difference between those two options as follows on the autopay page : " [ 'Statement Balance ' ] would pay off the total amount of your flexible financing offers at once. If you'd like to pay the monthly amount instead for the flexible financing offers you set up and avoid interest on new purchases, please choose " interest saving balance. '' For a few months, Chase auto-paid itself varying amounts each month, from {$1100.00} to {$1100.00}. I continued to make small purchases on my card, which I assumed were being paid off through this " Interest Savings Balance. '' Although the numbers were impossible for me to interpret due to the carried balance subject to my flexible financing offer, the amount charged varied each month and the total balance seemed to go down over time. Moreover, each month 's statement contained a section reading as follows, and leading me to believe that the total amount of new purchases each month were being included in each monthly autopayment : " What is an Interest Saving Balance? Pay the Interest Saving Balance every month by your due date to avoid interest on new purchases and avoid prematurely paying off your flexible financing offer balances. This amount includes your current statement new balance, minus your total balance for flexible financing offers, plus your monthly payment due for all flexible financing offers. It doesnt include disputed amounts. '' Suddenly, in XXXX, I received a standard email notification of an upcoming autopayment, which indicated that my " Interest Saving Balance '' that month was over {$5600.00}. I quickly logged on to check my card, as I did not remember making a large charge that month and was concerned that I could be the victim of fraud. But I only saw my usual, small purchases. I also checked all of my account settings to ensure nothing had changed and that I was still set up to pay the " Interest Saving Balance ''. Unable to figure out what was going on after studying my account and past statements for over 30 minutes, I called Chase. A representative was also perplexed, and took 15 minutes to study my account. Finally, she came back and explained that, contrary to what Chase had represented to me at the time I signed up for the flexible financing offer, contrary to what is shown on its autopay settings page on its website, and contrary to what is in every monthly statement I have received since XXXX, Chase was NOT including my new monthly charges in the autopay amount of " Interest Saving Balance '' each month. She explained that, unbeknownst to me, there was a promotional 0 % APR rate on my card until XX/XX/XXXX, so all of the charges I made from XXXX to XXXX had not been auto-paid, and were instead accumulating every month, only to suddenly come due in XXXX. None of this was properly disclosed. I frankly had no idea that there was any temporary promotional 0 % APR on my card ( since I never carry a balance ), and had no idea that selecting " Interest Saving Balance '', as I was required to do, would cause me to accumulate additional debt that was not being paid off every month. In fact, each month 's statement directly represents the opposite, saying that the " Interest Saving Balance '' " includes your current statement new balance, '' and further saying that " any promotional purchase APR offers '' are not included in the " flexible financing offers '' that are deducted from that Interest Saving Balance each month. In this instance, I have not been financially harmed by Chase 's misrepresentations, other than perhaps through a small hit to my credit score. I was not charged any late fees or interest, and although I am surprised by the sudden {$5600.00} charge, I am fortunate to be able to pay it in full without issue. That being said, this practice was clearly misrepresented to me, and presumably other consumers, and Chase 's misrepresentations constitute, in my view, abusive and predatory lending practices that could seriously harm those who are less financially advantaged. I hope that the CFPB will investigate this and ensure that Chase updates its practices and disclosures so that other consumers are not harmed by sudden undisclosed charges. | ||||||
| 01/22/2019 | Yes |
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| On XX/XX/XXXX, I submitted a job proposal for an English/XXXX translating job posting. On the same day, I received a message from the person who posted the job posting asking me to e-mail them through XXXX so they could forward the document for the total price agreement. On XX/XX/XXXX, I e-mailed him to tell him I was still interested in doing the translating and to contact me to decide on the pricing. That same day he e-mailed me the document and asked me to tell him how much I would charge for the translation. On XX/XX/XXXX, we agreed on a price ( {$800.00} ) and he asked me to send him my full name, billing address, and telephone number and said he would instruct his accountant to issue the full payment. He also said he would e-mail me once the payment was sent out and asked me to start on the translation. I did not hear back from him, so I e-mailed him on XX/XX/XXXX, for an update on the check so I could get started. That same day he replied and said he was working on it. On XX/XX/XXXX, he e-mailed me saying he received confirmation from his assistant that payment for the translation had been issued and mailed to me, but there was a mix-up and his travel expenses were mistakenly included in the amount of the payment that was mailed to me. He asked me to deduct the full amount we agreed on for the translation and then asked if I could send the rest of the balance to his travel agent. The check he made out to me was {$3300.00}. The agreed price for the translation was {$800.00}, and I was being asked to send back {$2500.00}. " I received a confirmation from my assistant that payment for the translation has been issued and mailed out to your given address, so please keep an eye on it. But there was a mix-up before the payment mailed out to you, my travel expense was mistake included in the amount of the payment mailed out to you. Once you receive the payment, I want you to go ahead and deduct the full amount we agreed for the translation and help me remit the rest balance to the travel agent that handles my flight and transport, am sorry for any inconveniences this might cause you to remit the remain balance to the travel agent. Await to hear from you soonest ... '' On XX/XX/XXXX, he e-mailed me the USPS tracking number and I confirmed that I could send him the remaining amount once I received the check. I told him that I was going to be out of town between XXXX XXXX, and wouldn't be able to deposit the check until then. There was some back and forth for updates through e-mail, text, and calls, but I told him there was no way I could send him the remaining amount until I got home and deposited the check. On XX/XX/XXXX, I deposited the check I received in the mail into my bank account. We discussed how I could send him the remaining amount and we agreed XXXX would work. He sent me the username for his accountant, and I sent him the remaining amount ( {$2500.00} ). On XX/XX/XXXX, I received a notice from my bank ( Chase ) saying the check bounced and I overdrafted my account. I immediately went to the closest Chase and spoke to a representative who said the only people who could help me get my money back is XXXX, and that there was nothing else they could do. I asked them if a report was made with their fraud department to try and get to the bottom of this, but they said there was nothing else they could. I also called the person I made the agreement for the translation with, but he blocked my number. That same day I called XXXX, explained what happened and was told this had to go through an account specialist, but those specific account specialists could only be reached through e-mail. The XXXX representative I spoke to sent me an e-mail confirming she spoke and explained the situation to the account specialist and that I could send them any additional information or documents that could possibly help them resolve this issue. I sent them all the information and contact I had with that person and explained the situation in detail. On XX/XX/XXXX, I received this response from XXXX : I'm very sorry to hear about your recent payment experience. XXXX was designed for payments between people who know and trust each other and authorized merchants, so we don't offer buyer/seller protections or mediation services. As a result, there aren't avenues available for reimbursement in cases where issues arise. Unfortunately, bank or card issuer disputes do not affect funds that have left our system. XXXX users are responsible for their payments and any losses XXXX incurs if a financial institution disputes the transactions they made. We suggest that you contact the person you interacted with to resolve the issue. If you are unable to contact that individual, you may consider contacting your local law enforcement agency and filing a report. We will fully cooperate with and assist in their investigation as soon as they contact us. Please reach back out if you have any additional questions or concerns. Telling me there is nothing they can do to help me. It is hard for me to believe that Chase and XXXX don't have some type of protection for their customers when it is obvious that fraud occured. | ||||||
| 11/08/2018 | Yes |
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| On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX of XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX XXXX. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX of XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness. I have now received a letter from XXXX XXXX and Chase neither of these places have I ever applied for a vehicle loan nor did anyone have permission to apply on my behalf. | ||||||
| 02/14/2023 | Yes |
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| From : XXXX XXXX Acct : To : Chase Card Services Dispute Division Dispute Resolution Vendor XXXX XXXX : {$1600.00} Dear Sirs : : I am writing in regards to the above referenced account and disputed charge, of which you have resolved in favor of the vendor based on a single document as opposed to the several pictures, documents and copies of email correspondence that I have provided to you. Below is a timeline of this order / dispute. XX/XX/XXXX - Order placed with XXXX for a 4 piece entertainment center consisting of 1-console, 1-left pier, 1 right pier and a bridge. Per their webpage shipment would be in 4 to 5 days. ( I provided you with a picture of what I was supposed to receive. ) XX/XX/XXXX - On or about this date I contacted XXXX because under order status it showed my order was in processing. They stated it had not shipped because they were waiting for shipping information from the manufacturer. ( I provided copies of emails to you ) XX/XX/XXXX - I contacted XXXX again about my order as it still showed in processing. They said it should ship soon. I then told them to cancel the order as it was not shipped as promised and which I am legally allowed to do under the BUSINESS PRACTICES AND CONSUMER PROTECTION ACT as I never accepted the late delivery date and the shipment was 30 days late. ( Agaan, copies of email correspondence was provided to you ) XX/XX/XXXX - XXXX says they can not cancel because amazingly now the order has shipped, but can not and does not provide any shipping details. I tell them repeatedly not to ship the items that I canceled the order. They ignore this request. 11/9 - Four crates arrive at my house when my wife and I are at work. My daughter=in-law signs for them, unaware that I was not accepting the shipment I open the crates to inspect them for damage and to photograph to insure that I would not be liable for damaged goods. Upon opening the crates I discovered that what was delivered was incomplete and wrong. I received 1 console, 2 right handed piers, NO bridge and a console I did NOT order. ( I provided pictures of what I received to you to compare with what I was supposed to receive. ) I then informed XXXX that the order was wrong and pursuant to their webpage that items may be returned within 30 days I wanted the items returned for a full refund. ( Again I provided copies of emails to you ) From that point on all I got was the run around and delays from XXXX even though I consistently stated the order was wrong and that I wanted a refund. At this point I then contacted Chase to dispute the charge. Here is how that has proceeded In the dispute I presented the information below and as detailed above Over the period of 3 months I have given you the following information. Pictures of what I received from XXXX A screenshot of what I was supposed to receive. A screenshot showing the promised delivery date for the item on their website. Which still states ships in 4 to 5 days. IEmails between myself and XXXX where they acknowledge that the order is late and the items shipped are incorrect. Yet despite all of this you deny my dispute because of a signed shipping document for 4 crates. The contents of which were not visible until they were unboxed. I guess I could order a bar of gold and if I sign for the package and its a bar of lead it would make no difference to you because I signed for it. Bottom line yes it was signed for. Was It what I ordered? NO. I am lost as to what part of that you do not understand.. Maybe it is the fact that everytime I email you you say you will respond in a few days and then I get the second lame email that says because of exceptional high volume it will take longer to respond. Or it might be that everytime I called and talked to a real person, they had not a clue as to what was going on. The last person I talked with told me to call the dispute number which I did. The person I talked with had not a clue and was no help at all. You should look into your customer service issues. Resubmitted complaint TWICE after advised to by Chase Customer service. Denied both times based on signed shipping document.. Also XXXX sent a {$7000.00} ( what they call refund ) ... That was not a refund but as they stated in their email to make up for the issues with the late delivery, I told them I would not accept this because I did not agree to it. When this {$70.00} charge appeared on my statement I called and told Chase I had not accepted it as it was NOT a refund and that they were to send it back. As of today you have NOT done that. So I will repeat myself like I have been doing forever. I DO NOT ACCEPT THE {$70.00} charge FROM XXXX AND YOU ARE TO SEND IT BACK. Hopefully you understand that. Bottom line is that I am or was a loyal customer with Chase for over 20 years. I paid my bills on time and was never late. Yet based on a single shipping document sent by the vendor and not on the pictures, e-mails and documents I have provided you have chosen to believe the vendor over me. I mean they actually ADMIT in their emails the order is WRONG. Attached is e-mail were vendor admits that order is late and wrong. | ||||||
| 03/22/2019 | Yes |
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Web | Servicemember |
| Chase, in their response to our CFPB Complaint XXXX of XX/XX/XXXX, CFPB Complaint XXXX of XX/XX/XXXX, and CFPB Complaint XXXX made the following false and/or erroneous assertions which fail to properly resolve the issue they created with the family of a deceased military veteran through their failure to follow CFPB XXXX XXXX ( effective XX/XX/XXXX ) from XXXX with regard to identifying and recognizing legitimate successors in interest : 1 ). In their response, Chase said they ( through their law firm ) mailed foreclosure notices to our residential address in late XX/XX/XXXX and followed state laws in the process. FALSE : Utilizing the tracking numbers provided with the alleged copies of the letters Chase submitted in their response to the above complaints it is easily determined that the foreclosure notices were actually delivered to their law firm in XXXX, Texas on XX/XX/XXXX and not to our home address. Neither Chase, nor its law firm adhered to the laws of our state in scheduling a XX/XX/XXXX foreclosure because their letters never arrived ( verified by tracking numbers ). Chase also knew that their letters did not arrive, but proceeded to violate existing state laws and continued with the scheduled foreclosure until the very last moment. In addition, we never received ANY notices from our local post office that certified letters were being held for us to pick up, and our post office confirmed that no letters were being held for us to pick up during the time period Chase alleges that such letters were sent to us by their law firm. 2 ) In their response Chase said that our dedicated relationship manager contacted us by phone on multiple occasions in early XX/XX/XXXX to discuss our Request for Mortgage Assistance application. FALSE : Our phone call and voicemail records during that period confirm that no calls were received from our dedicated relationship manager and that no voicemail messages were left at any of our phone numbers on file with Chase. The fact that our dedicated relationship manager would make such outrageous false statements is deeply troubling and indicative of the extremely poor customer service we have experienced from Chase since our late fathers untimely death. 3 ) In their response Chase said that we did not send to them all of the required documents within the specified time period in order to process our request for mortgage assistance. FALSE : We have submitted ALL requested documents to Chase pertaining to our XXXX via USPS, XXXX, XXXX, and fax within the specified time period more than 30 times since XX/XX/XXXX. We have the tracking numbers, receipts, and confirmations from local Chase branch bank managers to prove it. If Chase ever wanted additional records or information to supplement our previous RMA applications, we were never notified by Chase. Regretfully, Chase is seemingly unwilling to objectively investigate itself in order to provide honest and appropriate assistance to its consumers. Instead, it appears that Chase is content to grossly and unfairly mistreat families of deceased military veterans out of their homes in order to take advantage of their situation rather than work toward a feasible resolution. This is apparently true because, thus far, Chase has failed to provide ANY evidence to show that it adhered to existing CFPB rules contained in XXXX effective XX/XX/XXXX regarding identifying potential successors in interest and notifying them of their legal rights and the procedures to become confirmed by Chase. Despite our having informed Chase by telephone in XXXX of our fathers death and submitting to them his death certificate and will in XXXX as proof of his death and our inheritance of his home with a mortgage being serviced by Chase ( and sending a follow-up letter to them again in XX/XX/XXXX ), Chase DID NOTHING from XXXX to help us apply to become confirmed successors in interest. Instead, we learned of the successor in interest confirmation process through our consumer rights and real estate attorney in XXXX as he was building his case against Chase for litigation over wrongful foreclosure. It was through his efforts, NOT CHASE that we were able to apply and finally be confirmed as successors in interest with Chase in XX/XX/XXXX. Nonetheless, Chase ignored their own confirmation decision from XX/XX/XXXX and attempted to rescind it from us in order to justify a dubious foreclosure attempt through hastily written correspondence ( filled with errors ) to us in late XX/XX/XXXX. In spite of these abysmal facts, Chase, in their response to our three previous complaints above, did agree to allow us to submit a new Request for Mortgage Assistance with all new and updated documentation. However, Chase requested that we inform them of our intention to do so as soon as possible but did NOT provide ANY written deadline for document submission as ALWAYS given to us by Chase in the past. Through this complaint we are formally notifying Chase that WE DO INTEND TO SUBMIT NEW AND UPDATED DOCUMENTS FOR OUR RMA AS QUICKLY AS THEY CAN BE RETRIEVED, COPIED, ORGANIZED, NOTARIZED, AND DELIVERED BUT A NEW WRITTEN DUE DATE IS REQUIRED. | ||||||
| 05/10/2018 | Yes |
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| I created an account with XXXX XXXX XXXX ( XXXX ) so that I could purchase a vehicle to rebuild into a race car. I paid {$200.00} to create a bidding account which stated I could start bidding right away. After I created the account I tried to bid online, but it would not let me. I assumed that it needed a day to begin bidding, so I waited till the following day, yet I was still unable to bid so I called the company and was told that Colorado does not allow their citizens to bid online for cars. I was told that I needed to use a broker and was directed to XXXX XXXX which was associated with XXXX. I was refunded my money but told to create an account with XXXX XXXX which was {$400.00}, and I could bid right away. I created the account, gave my {$400.00} and started bidding. I won a XX/XX/XXXX XXXX for {$160.00}, but when I called in to go pick up the vehicle I was told that I won the preliminary bid not the online bid. I asked what I needed to do to actually win the car and was told to bid online but I needed to pay a {$200.00} fee to bid. I paid the fee and started bidding. I won the car this time at {$1600.00} and called the auction house which was down the street from where I was at, so that I could see what to do so I could come pick up the car. The auction house said I needed to contact my broker and get that information. I called XXXX XXXX and was told that I had to wait to see if the seller of the car would accept {$1600.00}, because there was a reserve on the bid and I did not meet it. I said they should put that on the website because I wouldn't bid on a vehicle with a reserve as it is too complicated. I asked if this was going to take long and XXXX XXXX said it can take up to five days. I asked if this would cost more money and was told {$100.00} a day for storage plus {$50.00} a day for administrative fees and could get upwards of {$800.00} more plus other fees and charges. I said these are hidden fees and I won't do that I said I do not want to accept the bid and withdraw my bid and reject the owners decision. it took a few hours but I was able to convince the supervisor of my decision and my money was refunded. The supervisor at XXXX XXXX said that bookkeeping may try to take the money at a later date, so I should contact my bank. I contacted the dispute department at Chase bank and informed them of the above. I was assured that my money would be protected, and they can see where my money was refunded by XXXX XXXX. I asked if there was a way to ensure that XXXX XXXX could not take money out of my account and was told by Chase that I could not stop the withdrawal. Approximately two weeks later I awoke to see a bill posted that took all my money from my checking account, I then transferred money from my savings account to cover the bill. I fell back asleep for three hours when I awoke again I saw that XXXX XXXX took the {$400.00} back out of my account. I called Chase and was told there was nothing hat could be done. I asked for a supervisor and when he came on he said I should be more responsible about how I use my debit card. I said I was assured that my debit card is safe to use and unauthorized charges would be taken care of. The Chase supervisor said that once I give my card number the merchant can use it whenever they want. I asked so if I buy a burger at XXXX for {$5.00} and six months later they take {$500.00} thats an authorized transaction because I gave them the card number. The Chase supervisor said yes, once my card number is given, then it gives them permission to take money whenever they want. I said I want a higher supervisor and was told there isn't one then the supervisor hung up. Chase put the money back in my account, and I closed my account with Chase immediately. Approximately ( 45 ) days after I closed my Chase account, I was contacted by Chase and told they were going to open up my account again and withdraw the money, thereby putting the account negative. I said I do not give them permission to do that and again began another argument with Chase on this dispute. I said I wanted a supervisor and was told that I would be contacted. About two hours later the supervisor called and said I was going to be held accountable for the money. I said I cancelled the sale and did not give them permission to withdraw money two weeks later, but Chase said I was not being responsible with my card. The Chase supervisor said they would call XXXX XXXX with me on the line and tell them I did not authorize it. We contacted XXXX XXXX on a three way, and I recorded the conversation. I explained that I did not authorize the transaction and that I was refunded my money. Then I explained the above to the representative, he admitted they took the money weeks after I cancelled the order but they wanted that money and said I owe another {$1200.00}. I explained I will sue and they said go ahead. The Chase supervisor said I was still being held liable for the money even though I cancelled and it was taken out weeks after I cancelled. I told the Chase Supervisor tat I would initiate suit if they tried to reopen my account without my permission. They said go ahead. | ||||||
| 02/07/2020 | Yes |
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| Over the last year, I have discovered multiple errors on my XXXX XXXX consumer report including accounts ( checking, savings, notations, return transactions, balance information, etc. ) that are completely inaccurate and fraudulent as they do not belong under my name and social security number. I do not know how many times I have to go back and forth to get this matter fixed. There are several XXXX XXXX XXXX accounts, there is a JPMorgan Chase account, and several inquiries that I did not authorize, have no knowledge of, do not recognize, and it is deeply affected my ability to financial outlook by not being able to pursue accounts and relationships with certain financial institutions of my choosing. XXXX XXXX and the furnishers of the data that are reporting negative information including accounts, notations, inquiries, transaction history, and balance information have not handled this matter properly, there have been multiple FCRA violations and the fact that XXXX XXXX does not allow individuals to freeze their consumer report has caused fraudulent and inaccurate to be reported to my consumer report without me having any remedy or way to control what is reported under my name and social security number. Earlier last year, XXXX XXXX sent me correspondence that they would be deleting all the fraudulent and inaccurate information I had disputed. I had thought this disputes process was finally over and XXXX XXXX provided me with the proper resolution that I asked for in this ongoing matter.Fast forward several months later, and very recently, I decided to open depository accounts with a financial institution that I love, only to find out two days later that they had restricted my accounts due to information provided by a consumer reporting agency, which happened to be XXXX XXXX. I was shocked and confused as to why since I had thought all the information I had disputed was deleted and updated on my consumer report. After requesting my XXXX XXXX report and thoroughly reviewing the contents of my consumer report, I came to realize that the furnishers of the data continued to report information to XXXX XXXX, information that includes accounts, inquiries, return transactions, balance information, account notations, etc. all of which do not belong to me, are inaccurate, fraudulent, AND information which should have been deleted several months ago. This means the furnishers of the data that provided fraudulent information to XXXX XXXX under my name and social security number reinserted information without my knowledge or consent, never sent me any correspondence notifying me of such actions, and it has continued to affect me and my financial reputation and I had no idea until a financial institution told me they were restricting my accounts with them. This a a clear FCRA violation, and something I did not even have a chance to fight back since I had no knowledge of the reinsertion. The personal information these data furnishers have on me are incorrect and inaccurate, the notations of return transactions are completely fraudulent. How can there be an overdraft or returned item on a depository account with a financial institution that I have never had an account with. XXXX XXXX XXXX lists one of the accounts as checking account fraud, which is ridiculous. I have NEVER EVER had an account with XXXX XXXX XXXX. No depository accounts, no credit cards, no loans, absolutely nothing. There is another account listed as closed for cause, however, the same concept applies. I have never had any banking relationship with XXXX XXXX XXXX, so there should be nothing under my and social security number. The addresses under these accounts is wrong, the dates of account opening are all over the place. Then there is a account reporting negatively as closed for cause. I have had a banking relationship with JPMorgan Chase. Why is there a checking account showing under my name and social security number? These accounts need to be deleted immediately. I will not continue going back and forth with XXXX XXXX, and hope they do their job and make the banks delete these fraudulent accounts and information that should've never been associated with my name and social security number. There are also inquiries listed on my consumer report that do not belong to me as I have never applied for or initiated depository or another accounts with XXXX XXXX or XXXX XXXX XXXX. I have being punished severely for something that I did not do and its causing huge issues with my finances. I need this situation to be taken care of ASAP and for all this fraudulent information to be removed from my XXXX XXXX report. Outside of my accounts with XXXX XXXX, XXXX, and XXXX, and my recent inquiry into XXXX XXXX, there should be absolutely no other accounts, inquiries, return transactions, notations, or balance information listed on my XXXX XXXX report. There have been multiple FCRA violations throughout my dispute processes with both the furnishers of the inaccurate information ( XXXX XXXX XXXX, JPMorgan Chase, XXXX ) and XXXX XXXX for not following proper investigation procedures, non-responses, etc. | ||||||
| 03/27/2019 | Yes |
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| CHASE bank says i am behind three payment .I had payment returned in XX/XX/XXXX then after that ever payment fell behind one payment my XXXX payment went XXXX and XXXX payment went XXXX and so on, i made all my payments up till XXXX and i missed that payment XXXX was paid by my bank then in XXXX i had a return check ,XXXX after i seen that i sent it in with 3 payment XXXX, XXXX and XXXX the XXXX payment went out of my account on XX/XX/XXXX, tbut was applied to XX/XX/XXXX hat should have money in suspense, for XXXX then in XXXX i made a payment XXXX then in XXXX i made a payment XXXX Chase says i behind XXXX, XXXX, XXXX when i sent the payments i should be behind only one, but two weeks ago they said 1 1/2 payments but now they say three i been paying every month to keep my home but my payments are not being applied correctly, On XX/XX/XXXX i set up for automatic for XXXX but the rep went and ran it that day when it should have not been ran because i told him not till XXXX, so that come back insufficient funds, i talk to a case manager the same day XXXX XXXX i need help with CHASE i been going thru a lot of back and fourths and with low income and paying as much as i can and not missing a payment and doing my best to get caught up. this is some of their accounts and i don't get it, Date : XXXX XXXX From : Home Finance Support Subject : Re : Payment Inquiry Message : Dear XXXX : Thank you for your recent email. This email is in direct response to your recent request for information or assistance regarding your account. We appreciate the opportunity to assist you. Currently, the net total amount due for your account is {$740.00}. For a breakdown of this amount, please refer to the letter we have attached. Unfortunately, we are unable to request a waiver of all of the late fees that have been assessed to the account. Chase allows for a one-time late charge waiver within a 12-month period. For this reason, we are also unable to complete a courtesy waiver at this time. A review of the account shows we previously waived a late charge on XX/XX/XXXX. Thank you for being a valued Chase customer. Sincerely, Home Loan Inquiries Chase XXXX XXXX TTY / Text Telephone XXXX Attachment : Dear XXXX : Thank you for contacting us. We appreciate the opportunity to provide you with assistance. On XX/XX/XXXX, we received payment for {$510.00}, which covered your XX/XX/XXXX payment, increasing the amount in your unapplied funds account to {$260.00}. However, on XX/XX/XXXX, the payment that we received on XX/XX/XXXX, for {$600.00} was returned due to non-sufficient funds ( NSF ). As a result, your account became due for XX/XX/XXXX, leaving {$140.00} in your unapplied funds account. While we received your statement showing transactions from XX/XX/XXXX, through XX/XX/XXXX, we need more details about the payment ( s ) you believe were made but do not show in your payment history, such as the amounts and dates the payments were made. In addition, please send us a complete statement showing transactions made from XX/XX/XXXX, to the present. This will help us complete our research. Please continue to contact us with any questions or concerns. We're committed to delivering the high level of service that you expect and deserve. Sincerely, Chase Escalation Management Services XXXX XXXX TTY/Text Telephone This is the portion of your loan or line of credit that is unpaid, not including accrued interest, fees or other charges. This is for information only and is not a payoff quote. {$68000.00} Important : Your payment is changing soon. We recently completed an escrow analysis so your payment will soon be changing. To learn more, see escrow information. Next payment due XX/XX/XXXX This doesn't include any late fees or other charges that may have accrued on your account. {$1400.00} this was sent in XX/XX/XXXX then i get this, when it was applied to my account but they say they didn't get it Thank you for contacting us. We appreciate the opportunity to provide you with additional information. In our previous email sent, we included a detailed breakdown of the payments we received and how they were applied to your loan from XX/XX/XXXX to current. Please confirm if there was a payment made that wasn't accounted for in the breakdown we provided. Additionally, if the {$600.00} payment we received on XX/XX/XXXX did in fact clear your bank, we will need you to send us proof. Please provide front and back copies of any canceled checks for this payment or all unaltered pages of your bank statement showing the payment, including your name and account number, the name of your bank, and a running balance of funds in your account. In addition to this, please send in the letter you referenced, which you received from your bank that confirms the payment was sent to Chase and never returned. Please contact us anytime with any questions or concerns. We remain committed to providing you with the excellent service you deserve. Sincerely, Chase Escalation Management Services XXXX XXXX TTY/Text Telephone i need help with this account, i can show my payments from XXXX, XXXX, XXXX, and XXXX, thank you | ||||||
| 01/08/2019 | Yes |
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| i missed a payment from that point on it been down hill, it was cause from medical, but this is where i can't get CHASE to understand, they back track ever payment, In XXXX i made a payment XXXX that got returned to my bank for unsificant sunds, so i broke the payment down XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$220.00} XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$300.00} XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$600.00} that what i did pay for XX/XX/XXXX the XXXX payment should of XXXX should have gone to XXXX payment and the XXXX should have went for XXXX payment with some in suspense, my payment history shows all the payments on my debit card, XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$480.00}, this is copy of my payments Date Description Amount Unapplied Open information dialog : Unapplied funds Balance XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$600.00} {$600.00} {$68000.00} XX/XX/XXXX Inspection/Property Maintenance Cost - Disbursement {$15.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$300.00} {$300.00} {$68000.00} XX/XX/XXXX RETURNED ITEM {$0.00} {$1200.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX NSF FEE ASSESSED {$0.00} {$0.00} Not available XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$220.00} {$220.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$960.00} {$68000.00} XX/XX/XXXX PAYMENT {$1200.00} {$1200.00} {$68000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$7.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$69000.00} XX/XX/XXXX LATE CHARGE WAIVED {$31.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$69000.00} XX/XX/XXXX RETURNED ITEM {$0.00} {$500.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$69000.00} XX/XX/XXXX NSF FEE ASSESSED {$0.00} {$0.00} Not available XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$500.00} {$500.00} {$69000.00} XX/XX/XXXX LATE CHARGE WAIVED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PRINCIPAL PAYMENT {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX PRINCIPAL PAYMENT {$0.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} but this is what they say i owe XX/XX/XXXX Amount due This doesn't include any late fees or other charges that may have accrued on your account. This doesn't include any late fees or other charges that may have accrued on your account. {$960.00} my monthly payment is XXXX my interest on my home is 3.75 after i did a modification but i checked today XXXX i am paying more my interest on the home when i did my modification come down to 3.75 fixed, in XXXX how come i paying more than they said XXXX in interest,., they say i am behind two payment and i can not get them to work with me and understand that i am only behind one and i only owe XXXX for XX/XX/XXXX my payments should have been lower at 3.75 fixed so CHASE is charging me a higher interest than what was a fixed rate after modification, and some the balance on the home goes down and then back up, how can they raise your balance Loan number, XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX phone XXXX this payment was returned to my bank for insufficient funds, XX/XX/XXXX PAYMENT {$1200.00} {$1200.00} {$68000.00} but in XXXX i came back and made three payment XXXX XXXX and XXXX so that should have covered the the fund insufficient funds and put be me for XXXX for XXXX from payments in suspense fund, CHase has got my account messed up and living on XXXX this is killing me and be overcharged in interest doesn't help me any | ||||||
| 09/25/2019 | Yes |
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| I recently ( XX/XX/2019 ) opened a business checking and savings account with Chase Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I applied for a business Chase Ink credit card with them. My main concern going into the process was that my business partner did not yet have an individual tax identification number ( ITIN ). The banker who helped me establish my accounts and apply for the card was named XXXX XXXX. I voiced my concerns to XXXX XXXX. He assured me that it would not be a problem in getting approved for their Chase Ink business credit card. XXXX told us that I could get the card first and that my business partner could be added later after obtaining her ITIN. Due to these reassurances and promises, I applied for the card. I signed the paperwork and deposited into the new account. I also said that I had a credit freeze with each credit bureau and he said not to worry because the app may take a few days to process, which gave me time to unfreeze them. I unfroze my credit reports within a few days. On XX/XX/XXXX ( a Saturday ), XXXX called me and told me that I had to provide a minutes record from our company that designates me as the sole manager. I said this was clearly and explicitly already stated on the operating agreement, which he had a copy of. He said he knew it didn't make sense and the higher ups were being weird. I told him that minutes would be inconvenient so he suggested a document on company letterhead and a company seal. I said this would also be inconvenient. So he finally said that it could just be a letter with me stating I'm the sole manager of the company. I said okay but that I was out of town for a few days. He said to just get it to him within a few days. Between then and Tuesday, XX/XX/XXXX, I had two missed calls, two voice messages, and approximately 3 emails ( two in one day ) from XXXX requesting the same. It was quite unprofessional and annoying considering that he asked on Saturday, I told him that it would be a few days, and I got it to him by Tuesday, XX/XX/XXXX in the afternoon. On Tuesday, XX/XX/XXXX I got a letter in the mail stating that Chase credit couldn't process my application for the credit card because I had a freeze. The day they ran it was the day that I applied ( XX/XX/XXXX XXXX, unlike what XXXX had told me. I called the number on the letter and informed the Chase credit representative that I no longer had a freeze. Agent 1 ( I do not know their name ) ran my credit and then transferred me to some sort of approval agent. This Agent 2 ( I do not know their name ) asked for my partner 's ITIN and I explained that she does not yet have one. He informed me that I could not be approved at the time because they didn't have her ITIN. I told him that this made no sense since she is a silent partner, I have 50 percent ownership, and I have already told Chase and verified with them that I'm the sole manager of the company. I told this Agent 2 that the banker ( XXXX ) told us that my partner could just be added later after obtaining her ITIN. He still said that they could not approve the card. I called XXXX and explained what I'd been told. He said that he would look into it and get back to me later that evening or the next day. He didn't. The next afternoon, on Wednesday, XX/XX/XXXX, I called XXXX. He informed me that Chase has a new policy that he was unaware of that requires anyone with greater than 10 percent ownership in a company to provide their Social Security Number/ITIN for, " fraud regulation '' to protect the customer. I said that this made no sense. I reminded him of what he promised us in relation to my partner 's lack of an ITIN not being an issue and he admitted that he was mistaken and said, " my bad ''. I was annoyed that Chase ran my credit when I was on the phone with them on Tuesday, XX/XX/XXXX when they already knew that I'd be denied the card based on these circumstances. XXXX said that he may be able to get the credit card application extended for another month and I said that this didn't help me. I wanted to start my business and not 1.5 months from then when my partner would get her ITIN. I told XXXX that the unprofessional way I had been treated was unacceptable and that he'd better find a way to fix the issue or I would be closing my accounts, taking my business elsewhere, and pursuing action through the XXXX XXXX XXXX and any related state/federal agencies. XXXX called me back an hour or so later and said that he'd escalated the issue to some sort of manager within Chase who handles customers who fell through the cracks. I asked for a time-line and he couldn't give me one. I told him I'd better hear back by Monday, XX/XX/XXXX or I'd be done. He said okay. On Monday, XX/XX/XXXX I had not heard back so I went into Chase Bank, withdrew the funds, and initiated the account closing. XXXX offered no solution. Within approximately one week, I received a call from a Chase Bank associate ( who was in quality control or something of that nature ). All they could do was record my complaint but could not approve my credit card application or reverse my processing for my card. | ||||||
| 11/28/2017 | Yes |
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| I am a XXXX XXXX XXXX XXXX living in the XXXX XXXX, and back in XXXX of this year I paid {$1500.00} by client whose logo and menus I designed for his new restaurant. I deposited the check via my Chase banking mobile app and put the check into a pouch in my car. In XX/XX/XXXX my car was broken into while I attended a concert in XXXX XXXX. This happens a lot in the City. It has happened to me three times in two years, and most of my friends who live in XXXX laugh it off, because it happens to them so frequently. I filed police reports the last two times I was robbed, but nothing came of them. I asked if the police would like to inspect my car for fingerprints and I was essentially laughed at by the dispatcher. So this time, when I got to the car, I realized that while two of my windows were shattered, and my belongings were scattered around, nothing seemed to be missing except for a pocket knife which I had to leave in the car as I went to the concert. Given my past experiences with vehicle robberies, and seeing as how, at first glance nothing appeared to be missing, I did n't bother calling the police. It was n't until the middle of XXXX when I discovered that the thieves had indeed gotten their hands on something of mine. I tried to use my Chase debit card to charge my electric car and the card was declined. I assumed there was something wrong with the charger because I knew I had at least {$800.00} in that particular checking account. It was n't until later that day, when I was attempting to deposit another check with my mobile app, when I learned that my accounts had been frozen. The people who robbed me had taken a {$1500.00} check that I had signed and deposited in XXXX, and successfully managed to walk into a bank and cash the check. Chase bank then took those funds from my client. Which meant he had now been double charged for a total of {$3000.00}. In the meantime I have no access to my bank account, my auto-pay accounts are not getting paid and I can not deposit, debit or otherwise access any funds. I called Chase bank and was practically ridiculed by their agent, as though I were the one defrauding the bank. I angrily hung up and visited a Chase branch in person. The Chase customer service rep told me the best thing to do would be to call my client and tell him to pay me again. I could n't believe it. I said that none of this was my fault, the bank was at fault for allowing these people to cash a check that had already been deposited - and that me having to ask my client to re-pay me made me look bad. I ended up doing it and that 's when my client showed me his paperwork from the bank. Chase did indeed charge him twice, then they reversed one of the charges of {$1500.00} and they turned around and charged me that {$1500.00}. And the people who broke into my car walk with my {$1500.00} cash. My client showed me the printout of the transaction records from the bank and I lost my mind! The first scan of the check, in XX/XX/XXXX, was the deposit that I made through my phone. The second one was very low resolution and it appeared to be a copy of the check, with " Pay to the order of .... and some scribbled name '' on the back. So someone was allowed to walk into a bank, without me or my ID, write their name on my already deposited check and walk out with {$1500.00} cash. And I am the on responsible for it? My account was then over {$700.00} overdrawn, it eventually went up to $ -900+ -- - I repeatedly visited the bank, speaking with anyone I could and eventually sat down with the branch manager, who was very sympathetic to my situation and attempted to contact her superiors. Those people told her that this was all my fault for not destroying the check after I had made the deposit. I was frustrated. I felt helpless. I opened a new account at a local credit union just so that I could continue to pay my bills and I waited for an update from Chase. Eventually I received a call from XXXX in XXXX - She told me they were opening a case and that she could not guarantee they would get my money back. This was infuriating, I asked why she could n't guarantee it and she said " Well, it 's an investigation and we do n't know how it 's going to turn out. Why did n't you file a police report? '' I told her the police do nothing about car break ins and that before my account got shut down I had n't even realized a check had been stolen. She was so rude, I could n't believe it. I told her there was plenty of evidence that someone else had broken the law, I asked why they could n't just look at the video footage in the bank and see who did this. But she had no answers for me, she just asked me to be patient. So I waited. And Waited. In XX/XX/XXXX I received a bill from Chase. They are demanding that I pay them my outstanding funds to bring my $ XXXX balance up to XXXX in my closed account or I 'll be sent to collections and/or reported to some check agency. This whole thing is amazing. The system is stacked up against normal people and I am so happy to have heard through all the news stories lately about the CFPB. I really hope I am able to get this resolved. -XXXX XXXX | ||||||
| 05/03/2020 | Yes |
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| On XX/XX/2020 I called to report fraudulent activity on my Chase account. Below is a detailed list of the transactions which I have identified as fraudulent transactions ( all were charged the morning of XX/XX/2020 ) : {$41.00}, XXXX - XXXX {$41.00}, XXXX {$42.00}, XXXX - XXXX {$24.00}, XXXX {$43.00}, XXXX {$25.00}, XXXX {$44.00}, XXXX {$33.00}, XXXX {$45.00}, XXXX - XXXX {$33.00}, XXXX {$50.00}, XXXX {$33.00}, XXXX - XXXX {$34.00}, XXXX - XXXX {$34.00}, XXXX - XXXX I am insisting that all of the above transactions were fraudulent and not authorized by the cardholder ( me ). My XXXX account was hacked and taken advantage of. These transactions all occurred in quick succession while I was driving to work. When I arrived at work, I immediately changed my XXXX password and removed all payment information from my XXXX account to prevent any more fraudulent transactions from being processed in my name. I also immediately contacted the Chase Fraud department when I arrived at my workplace. Upon contacting the Chase Fraud department, the charges were removed from my account and my old card was deactivated. They also sent me a new card with a new number. Now it is XXXX and when attempting to make my most recent payment to my Chase card, I found that all of the transactions were reapplied to my Chase account. I have attempted to reconnect with the Chase Fraud department regarding these fraudulent transactions, however, they have advised me that the transactions were reapplied to my account because XXXX likely disputed my claim and insisted on charging me for these transactions. Now, the Chase Fraud department is telling me they can not do anything, and that I must get in contact with their Recovery department if I want to continue to insist that these transactions were indeed fraudulent. Unfortunately, due to the present Coronavirus pandemic, the Recovery department is not taking calls at this time, and I was simply given an email address to contact. I contacted the Chase Recovery department email address but have not received any reply for several days, nor any indication that they have either received my email or are investigating my case. I am also unable to dispute the transactions with XXXX directly. There is no phone number listed on their website that I can call. I also can not open a case on any of the fourteen ( 14 ) fraudulent transactions. This is due to the insidious nature of the hack of my account. Whoever hacked my XXXX account made sure to only purchase digital files ( notice the XXXX or XXXX that appears in all of the sellers names in the transactions I previously listed ). XXXX does not allow purchasers to open cases until they have downloaded the purchased files. Because I did not authorize these purchases, I have no intention of downloading fraudulently purchased digital content, not only because I do not want the content, but also because I do not want to substantiate the fraudulent purchases by helping XXXX deliver the products to me. My best guess as to what happened is that various seller accounts were established with similar names ( note again the XXXX or XXXX that appears in each one ). The owner of these seller accounts then hacked my XXXX account to purchase digital files from their own seller accounts, basically sending themselves around {$500.00} in free money from me, the victim of this fraudulent activity. It's also clear they attempted to avoid the activity being flagged as fraudulent by making many small purchases in varying amounts ; notice that only one of the transactions exceeds {$50.00}. Any normal purchaser would have added all items to their cart and made one purchase. I was able to get in brief contact with one seller, and they claimed to be a hacking victim as well, however they only refunded one of many fraudulent transactions between their account and my own ( the one in the amount of {$41.00}, though both the charge and the refund both still appear on my list of transactions with Chase now ). I do not know whether they were telling the truth. After seeing that these fraudulent transactions have once again been applied to my Chase account, I also made sure to check XXXX to review the fraudulent activity. Surprisingly, I found that five ( 5 ) out of the fourteen ( 14 ) fraudulent transactions on my hacked XXXX account show as cancelled, yet on my Chase account I am still being charged for all fourteen ( 14 ) fraudulent transactions, which include the five ( 5 ) cancelled transactions. ( Note : the transaction in the amount of {$41.00} is both charged and refunded on my account, as described earlier. ) I am insistent that all of the above transactions from various XXXX sellers of digital content are fraudulent, as they were not authorized by the owner of the XXXX account, nor the cardholder, both of which happen to be me. I also maintain that I have not received ( downloaded ) any of the fraudulently-purchased digital files from XXXX. Please help me resolve this issue. Approximately {$500.00} of fraudulent activity remains charged to my Chase account, and I am having a difficult time getting it removed. | ||||||
| 03/30/2022 | Yes |
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| Chase was the lien holder for my XXXX XXXX XXXX XXXX, which was declared a total loss on XX/XX/XXXX. Chase was made aware of this by XXXX Gap, and a GAP Claim was opened early in XX/XX/XXXX. I signed all of the releases I needed to sign for the Dealership to cancel my Extended Service Warranty, and I was told that my GAP Claim would be resolved as soon as Chase applies the refund to my Payment History. Fast forward five years, and I was trying to buy a house. I was denied a loan due to a {$8600.00} Collection from Chase Auto. A collection that no one ever even bothered to tell me existed. Not to mention, it was an unfounded collection. Once I was aware of this debt ( due to pulling my own credit and being denied a mortgage for my dream home ), I diligently began attempting to resolve it. Chase was extremely unhelpful. I was promised many things which never happened, but I did have three different employees admit to me, on recorded lines even, that Chase had made many mistakes handling my account, all of which financially harmed me or caused further harm to the harm they had already caused. Once I was aware of the debt, I took matters into my own hands and contacted Progressive regarding the XXXX they had not previously paid out on as well as XXXX GAP about why the GAP Claim was never completed. Both insurance companies admitted that they had been withholding settlement funds until Chase would should that they had received the {$100.00} refund that was sent to them in XXXX of XXXX for the canceled XXXX XXXX XXXX. I have had many different employees at Chase admit to me that the {$100.00} still ( as of XX/XX/XXXX ) has not been credited to my account. After months of strife and a total of over XXXX hours on phone calls and countless hours on e-mail and Internet research, I was finally able to get XXXX GAP and XXXX to pay off the remainder of the balance. Chase just recently updated my Credit Report to reflect the {$0.00} balance. However, they are still showing it as a Charge Off. They also are showing it as current ( reporting for XX/XX/XXXX ) Charged Off, which is further damaging my credit even more. Not only is it a Charge Off, which never should have been there at all, but it also is reporting as current. Instead of a six-year aged Collection, it is reporting as a current Charge Off. Not only should it never have charged off, it should have never gone to a collection status at all. Both of the insurance companies for both of the additional GAP insurances I carried both share the same story of Chase refusing to work with them. Chase also lost the {$100.00} payment that was refunded to them on my behalf for the XXXX XXXX XXXX. Many, many, many errors were made by Chase Auto, and the financial harm continues to affect me. 1 ) Chase never once attempted to contact me regarding this debt, which was 100 % caused by their own internal mistake of never applying the {$100.00} payment. 2 ) Chase never applied a {$100.00} payment. It was received in XX/XX/XXXX. I have proof if the canceled check from the Dealership. 3 ) Even when I demand they do a check search for the {$100.00} payment, they blatantly refuse. 4 ) Sometimes they lie and make up dates that it was applied. 5 ) Sometimes they admit it was never properly credited. 6 ) No one ever helps me resolve my issues. No one ever takes accountability. 7 ) I was denied my dream home. 8 ) I have been denied multiple credit cards and credit lines over the past XXXX years. ( My XXXX XXXX was declared a total loss on XX/XX/XXXX. ) I realistically have been denied credit at least 20 times, probably 30 plus times. 9 ) The only reason my balance was even recently updated to zero was because I kept Disputing the Collection with the Credit Bureaus. 10 ) I had not one but two GAP policies. There is absolutely no reason why I ever would have had any Collection at all. 11 ) Instead of investigating the issues XXXX GAP and XXXX reported to them ( not applying the missing payment that I have proof was deposited in XX/XX/XXXX ), they refused to do anything. They did not do a deep search for the payment. They did not cooperate with either GAP company, at all. 12 ) They refused to do a deep search for the missing payment, even when I requested one multiple times, as recently as XX/XX/XXXX. 13 ) I have escalated this within Chase Auto multiple times. Nothing ever gets resolved. 14 ) I am being further financially harmed every day my credit continues to stay damaged. 15 ) I have been trying to buy a house since XX/XX/XXXX. It has now been six months since I have been made aware of the financial harm Chase XXXX has been causing me for the past six years. It has also been six months since Chase Auto has been aware of all of the mistakes they made on my account. Nothing has been done to improve my credit or to remedy the mistakes. 16 ) My current Credit Report is reflecting an even lower score than it was when I first reported the issue because they updated my account from a six-year aged Collection to a current month Charge Off. 17 ) Not only has the financial harm not stopped, it has been exacerbated. | ||||||
| 01/04/2023 | Yes |
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Web | Servicemember |
| In late XXXX, I requested a XXXX rollover from my previous company ( XXXX, managed by XXXX XXXX ) to my current companys XXXX which is managed by XXXX. Two checks addressed to XXXX ( issued by JP Morgan Chase ) were mailed to me, I mailed the checks and a rollover form to XXXX in late XXXX and they were received by XXXX on XX/XX/XXXX. XXXX, however, " rejected the transaction '' because it was missing the " Confirmation of after-tax cost basis from prior account ''. In later correspondence, XXXX claims to have mailed my XXXX checks back to me via USPS First Class mail on XX/XX/XXXX. The checks never arrived at my address. In XXXX, after still not receiving my checks, I requested a stop payment and reissue from XXXX. After that I received 1 of the 2 checks. After waiting another several weeks and inquiring with my postal carrier, I called XXXX again and requested a second stop payment and reissue of the second check. The following day, XX/XX/XXXX I was informed that the second check could not be reissued because it had been " cleared '' on XX/XX/XXXX. The exact message was : " This message is to inform you that your issue has been resolved and the gross amount of {$30000.00} was cleared on XX/XX/XXXX under the clear reference # XXXX, check # XXXX. '' At this point I tried to initiate a fraud complaint with XXXX, they said they could not open an investigation because the fraud did not originate with them. They instructed me to go back to XXXX to inquire further about the missing check. I reached out to XXXX several more times and provided a scanned image of the deposited check- they still claim to have no record of the deposited funds. The deposited check also has a " wet '' signature vs a stamp so XXXX is stating that this proves they didn't deposit the money. There were two checks, both made out to : XXXX XXXX XXXX XXXX XXXX in the amount of {$3800.00} ( which is accounted for ) and {$30000.00} ( which is missing and has been cashed ). The scan of the forged and fraudulently deposited check has a " wet '' signature ( an illegible scribble ) and a stamp on the back which appears to read " XXXX ''. ( XXXX informed me on XXXX that this stamp was from their check processing office and not from the bank where the check was deposited ). XXXX claims the checks were mailed to my home address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This address is under construction however, so my mail is being forwarded to a house I am renting one street over : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. There is a single mail carrier for both streets, I am able to check both mailboxes, the checks never arrived at either mailbox. The XXXX checks were made out to XXXX XXXX XXXX XXXX ( though in fact the request to XXXX was for the checks to be made out to XXXX XXXX XXXX XXXX XXXX ). The bottom line is that JP Morgan Chase and XXXX XXXX allowed a third party entity that was not XXXX or me to deposit and clear a stolen and forged XXXX check for {$30000.00}. The forged wet signature in the endorsement line is inconsistent with the type of stamped signature that XXXX would have used. In addition to following up with both XXXX and XXXX, I have filed numerous reports and complaints, these include : - Police report # XXXX filed on XXXX with the XXXX Police Department XXXX Washington State XXXX, XXXX XXXX XXXX XXXX ( XXXX ). - USPS Office of the Inspector General Complaint filed electronically on XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) complaints filed electronically on XXXX ( three separate complaints filed against XXXX - # XXXX, JP Morgan - # XXXX, and XXXX XXXX ). - XXXX XXXX XXXX XXXX XXXX XXXX - sent email complaint to XXXX on XXXX. - US Department of Labor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Filed request for assistance ( # XXXX ) electronically on XXXX. - Submitted a signed and notarized Affidavit of Unauthorized Endorsement form to JP Morgan via fax and XXXX XXXX via customer portal on XXXX. XXXX XXXX XXXXXXXX Attorney General Complaint filed electronically on XXXX. I have tried to directly reach out to the XXXXraud and Forgery department at JP Morgan Chase to investigate- they have stated they won't communicate directly with me. XXXX has been very slow to respond. XXXX has conducted investigations but has been very selective about what information they will share. It feels as though they are unprepared for handling this type of situation. Questions I have : - Why did JP Morgan Chase and XXXX XXXX allow a XXXX rollover check addressed to XXXX to be deposited and cleared by an entity other than XXXX with an endorsement that is completely inconsistent with what a major financial institution would use? - Why did XXXX XXXX take 8 weeks to notify me that my missing check ( which I had twice requested a stop payment and reissue ) had been cleared/stolen? - When/how can I get my funds restored? The check was intercepted in transit and forged and deposited without a proper endorsement. I would like to be contacted at your earliest convenience to hear what the next steps are. Please advise me on how I can move forward to get my funds restored. | ||||||
| 03/31/2019 | Yes |
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Web | Servicemember |
| Bottom line up front : My Chase card was charged by XXXX XXXX for THREE refrigerators, and only ONE refrigerator was refunded to my card, meaning that I've paid for TWO refrigerators but only received ( and only purchased ) ONE refrigerator. TLDR : I dispute a charge with Chase Sapphire Reserve, who passes me on to their fraud department. Fraud department takes ~6 months and three investigations before passing me back to Chase disputes. Chase disputes then tells me that I now can not dispute the charge b/c too much time has passed ( as if I had any control over the timeline! ) Detailed notes follow : XX/XX/XXXX : I purchase a refrigerator on XXXX ( Order # :XXXX ) for {$990.00}. ~XX/XX/XXXX : Refrigerator # 1 arrives at our home. It is the wrong size ; I need a counter depth fridge and this one is too deep. In a phone call, a XXXX XXXX associate informs me that the only way to have them pick up the refrigerator for free is if I buy a new refrigerator first. When the drop off the new fridge, they'll pick up the first one. XX/XX/XXXX : I call XXXX XXXX store XXXX ( XXXX, GA ) in which I'm told that the only way to receive a military discount is if I come purchase the fridge in store. I give my credit card number to them understanding it is needed to hold the fridge, but in actuality the associate keys in my credit card number and charges my card {$1200.00}. ( Invoice # XXXX. Running total of charges equals {$2200.00} ). XX/XX/XXXX : I come into the XXXX, GA XXXX store ( XXXX ) and speak with Asst. Manager XXXX, who takes me to the register where I insert my card to purchase the 2nd refrigerator ( with a store promotion and military discount applied ). My card is charged {$970.00}. ( Invoice # XXXX. Running total of charges equals {$3200.00} ) XX/XX/XXXX : The new refrigerator - the one I purchased in store - arrives at our house. They install it and haul away the originally purchased fridge. A credit for {$970.00} is applied to my credit card. ( Running total of charges equals {$2200.00} ). NOTE : I NEVER RECEIVED THIS THIRD ( {$1200.00} ) REFRIGERATOR! ~XX/XX/XXXX : I realize I have two charges for XXXX XXXX from XXXX XXXX. ( {$1200.00} and {$970.00} ). I call the store, Asst. Manager XXXX tells me that he can't see the {$1200.00} charge. ( In retrospect, I believe it was b/c the {$1200.00} charge was made on XXXX XXXX and he was only searching for a purchase on the XXXX. ) XXXX tells me that I need to dispute the {$1200.00} charge with Chase. ~XX/XX/XXXX : I initiate a dispute for the {$1200.00} charge with Chase. ~Mid-XXXX, XXXX : I follow-up with my dispute, and a Chase representative asks if my credit card was ever out of my possession. I respond in the negative, and Chase proceeds to send me to the fraud department and change my credit card number. ~Mid-XXXX, XXXX : Chase sends a letter in the mail that simply states that the fraud investigation has been closed, and the charge is deemed valid. No process, findings, or next steps are disclosed. I call multiple times before speaking with a representative, who proceeds to appeal the fraud decision, but she is unable to give me any details as the the reason why the charge is valid. ~XX/XX/XXXX : Chase sends me another letter that simply has the same message. " The charge is valid. '' Again, no explanation is given. I call 4-5x before reaching XXXX in the fraud department. She tells me to email my supporting documents ( XX/XX/XXXX online receipt, credit card statements, and the story ) to her boss XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX : I email XXXX XXXX 3x and never hear back. I call XXXX 5x and am never responded to. In this two week period, I receive 1 call from a Chase 800 number, but no voicemail is left and no one responds when I call it back. XX/XX/XXXX : I receive a 3rd letter with the same message. " We confirmed that the transaction ( s ) is valid. '' I call Chase and am passed on to the " Security '' team, who inform me that the {$1200.00} charge is likely a double charge from XXXX XXXX, and therefore not, fraudulent, and that I need to work directly with XXXX XXXX. XX/XX/XXXX : I have multiple calls with XXXX XXXX corporate, who direct me to speak with the store directly since they double charged me, and with the XXXX XXXX XXXX, GA store, who tell me that b/c of the time elapsed, I must dispute the charge with my credit card company, who then will deal with XXXX XXXX Customer Credit department and get me a refund. ( I'm told XXXX XXXX Customer Credit will not deal with me directly ). XX/XX/XXXX : I call Chase to re-dispute the {$1200.00} charge. I speak with a supervisor, who tells me that b/c of the amount of time that has passed, I am unable to dispute the charge. In the process, I am completely abandoned by the bank, and left out of the process and findings of the investigations. Chase, whose lengthy process is the reason for the long time period, now leaves me to hold the bag on a {$1200.00} charge that I didn't make. Attachments : ( XX/XX/XXXX first fridge ; Chase Fraud letter XX/XX/XXXX ; Chase Statement XX/XX/XXXX ; Chase statement XX/XX/XXXX ) | ||||||
| 06/19/2017 | Yes |
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Web | Servicemember |
| I refinanced my home in XX/XX/XXXXthrough my bank Chase Mortgage. Prior to the refinance, I was the sole borrower on the loan. This was my intent on the refinance as well. Upon Chase coming to my home to sign the final finance documents, they insisted that my recently new husband sign in an area ethe contract. As the borrower I was very concerned adding him to the mortgage. Chase representative explained he must sign it because he lives here but that he is under no financial obligation for the loan. Reluctantly, I had him sign as I was desperate to lower my interest rate. Around XX/XX/XXXX, my husband filed an individual chapter XXXX. Shortly after filing I was notified by Chase mortgage via mail that someone file Chapter XXXX and to please call Chase to discuss plans for the property. I went to my computer to check my online mortgage accounts and I was locked out. I immediately called Chase and told them that I was locked out of my online banking options and they said it was because of my husband 's filing bankruptcy. Chase further explain that not only with my online bill pay option be locked out but that they would also stop reporting any payments made to the mortgage to the credit bureau. I was so upset! I was n't the one filing bankruptcy, I did n't do anything wrong. I explained I had nothing to do with this and that he is not on the loan as a borrower. They told me that I should go check my local township clerks office ( records office ) as he was on the deed. I did that, and sure enough much to my surprise, my husband was on the deed. I called Chase countless times to understand and have them explain to me what happens next. I even confirmed that I was being recorded on the phone and made it clear that I am the sole borrower and have no intent to default on this mortgage that has no late payments. Chase explained that once the bankruptcy is dissolved, they would begin reporting my payments to the credit bureau once again. The bankruptcy attorney my husband used encourage me to be very careful with making payments to chase until the bankruptcy was dissolved. He encouraged me to mail certified checks using USPS with signature verification. I did that for two months, but made my third payment over the phone using my checking account. On XX/XX/XXXX my husband received his bankruptcy discharge notice in the mail. Finally we were done! I called Chase XX/XX/XXXX first thing in the morning and asked Chase will they reactivate my online account. They said no. I asked them if I could fax or email over to them the discharge of the bankruptcy to expedite things and they said no. They explained that I have to wait for the chase bank to be notified through the proper channels and that I could not assist. I was explain something new on that phone call, that the mortgage was not reaffirmed! I was told because the bankruptcy was discharged we missed the window to ever have future payments be reported to the credit bureau on my behalf. I repeat it back to the customer service representative " so for the next 20 years of my loan any payments I make will not be reported to the credit bureau? ", and she said yes. She told me the mortgage reaffirmation was to be done prior to the bankruptcy being discharged. My attorney indicated he would have my husband reaffirm The debt prior to discharge, but Chase mortgage never provided a reaffirmation statement. The attorney indicated it is the responsibility of the lender to supply reaffirmation papers. Attorney further indicates Chase mortgage is holding me hostage and controlling me through my husband borderlining blackmail. I am a non-involved debtor Who seeks to have my remaining mortgage payments reported to the credit bureau as well as access to my online bill pay as I have been doing since the loan was refinanced in XX/XX/XXXX. I ca n't believe I 'm going through all this and I did n't even file bankruptcy. I am being prejudiced against for my husbands bankruptcy. Please help in anyway you can. I call Chase mortgage at least 10 times since XX/XX/XXXX to make sure payments were received, ask for specific directives on how I should handle this situation and they told me all these calls were being recorded for quality assurance and can validate all that I have said. I will be including my mortgage refinance paperwork, the first five pages. Please note on page 1 the name and address of borrower is only myself and my home address location my husband is not listed. On page 5 there is an area for my husband to sign. As related to page titled " Owners & Seller Affidavit ''. I am assuming it 's referring to # 6 ) " as to marital status : that the undersigned is single or married ( if married and spouse is joining in subjectdeed/deed of trust, spouse must join herein ). This was the only area my husband needed to sign and we were told it 's because he lives here but is in no way financially responsible for the stu this was the only area my husband needed to sign and we were told it 's because he lives here but is in no way financially responsible for this debt. The first page of the mortgage refinance only reflects me. | ||||||
| 12/04/2020 | Yes |
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Web | Servicemember |
| XXXX : I was able to prove that I never received the item I paid for and now the credit card company is claiming the charge is still valid because too much time has elapsed since they first communicated with the merchant. The credit card company is claiming that there is a 30 day time limit in which for them to respond to a merchant when it involves a dispute. Supposedly after 30 days they are no longer required to refund the money. However this seems to contradict 16 CFR Part 435. No where in my card services agreement, nor on the companys website does it mention that there is a 30 day limit for them to respond to a merchant. From what I can gather, this is a self imposed agreement that they have with Visa, and based upon this they are refusing to refund me entirely. After filing several disputes with my credit card company, they did finally credit me {$100.00}. However, I had to call and talk to a supervisor in order to get this much. They did not offer this to in the resolution letter that I received, dated XX/XX/20. The biggest headache is not the money lost, the biggest problem I have is how archaic and burdensome the dispute process is. My credit card company does not allow disputes to be filed online. They intentionally conceal the email address for submitting disputes and supporting documentation. It also takes 3 days for things to be uploaded into their system before a dispute representative can see the documentation. They also will not acknowledge receipt of emails or faxes. Furthermore, they do not upload to the customers account what they have received from the customer, so that the customer can verify what was received. A customer can buy a house and exchange PII on their website, but a customer is not permitted to interact with the dispute department, except by phone or mail. The second biggest problem I have is with how easy credit card companies have made it for online merchants to scam customers. The merchant provides a tracking number that shows a package was delivered to a corresponding city/zip code and the credit card company considers this compelling evidence in which to claim that the charge is valid. The credit card companies should have to verify the actual address of delivery and not just the city/zip code. Furthermore the credit card company should have to verify this with the shipping company and not base their findings off of a document provided by merchant. It is a conflict of interest for the merchant to provide this ; just as much as it is for me as the buyer to provide it. Either one, the buyer or the seller could be trying to defraud the other. It should be up to the credit card company to verify the actual address corresponds with the tracking number provide by the merchant. In my case, the credit card company did not verify that my address matched the address to that on the tracking number. Because of this, I am being held liable for {$350.00}. On XX/XX/20 I tried to purchase something on a website and was billed {$350.00} for my purchase, however I have never received the item I purchased. The seller provided me with three different tracking numbers, the first of which showed an item was shipped and delivered before my purchase date. The shipping company confirmed with me that all three tracking numbers were not associated with my address. They were associate with my zip code but not my name or my street address. I filed a dispute with my credit card company and it was acknowledged by them on XX/XX/20. They informed me that the only way I could file a dispute was by fax or mail. I asked them if there was an email address for which I could send documentation to but I was told that there was not one. On XX/XX/20 I was informed that the charge was considered valid because the merchant shipped the item to my address. I feel that the credit card company is not doing their due diligence to verify the addresses involved. Going to the shipping companys website, entering a tracking and matching the zip codes is not compelling evidence ( as defined by Visa ). That standard for evidence is too low. The credit card company never verified that the tracking number ( s ) involved were in fact associated with my complete address. All they did was match the city/zip code. The shipping company gave me proof that these tracking numbers were not associated with me, my purchase or my address. I tried to provide this information to my credit card company in a timely manner, however their dispute system is archaic by todays standards. I again contacted the credit card dispute department again and they refused to give me an email address but encouraged me to file another claim disputing the charge. They insisted that I fax or mail the documentation. I filed another dispute and was denied XX/XX/20. I faxed them another dispute request on XX/XX/20. I have proof of delivery for the fax but the credit card company says they did not receive the fax. I filed another dispute on XX/XX/20 and was denied on XX/XX/20. I filed another dispute and was denied on XX/XX/20 due to too much time being expired since the transaction took place. | ||||||
| 12/11/2023 | Yes |
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Web | |
| Florida, XX/XX/2023. Earlier this year, ( XXXX ) I received a letter in the mail from my XXXX XXXX XXXX XXXX XXXX XXXX ) notifying me that the funds available would be invested if I did not withdraw them. I requested a withdrawal from my account ( Plan Number XXXX ) and authorized an electronic bank transfer to my XXXX XXXX XXXX Account ending in XXXX, on XX/XX/2023. I was told by the XXXX XXXX XXXX customer service associate the direct deposit should appear in my XXXX XXXX Account within 3 business days. After the three days period time passed, I call XXXX XXXX asking why I did not see the funds from XXXX, the associate over the phone from XXXX XXXX informed me they did not received any electronic transfer from XXXX. Immediately, I called XXXX and the representative over the phone confirmed an error had occur and the direct deposit had not gone through. I was advised to request a check instead delivered by mail, so I did. Once I received the check I decided to deposit it in Chase Bank instead of XXXX XXXX, given the prior situation were they rejected the electronic transfer from XXXX as I was informed by the XXXX representative. I deposited the check using my Chase Bank mobile app on XX/XX/2023 in account ending in XXXX. Two days after I deposited the check in CHASE I noticed on my Chase Bank app the check inn question was put on hold, so I decided to call customer services to ask the reason and provide any information needed to lift the hold on the deposit. When I called the customer service representative ask were the check was coming from and I explained him it was rom my retirement account. I explained him what had happened when I tried to deposit it by direct deposit with XXXX XXXX and because it had been rejected I was advised to request a check instead by XXXX. The banker misunderstood what I was explained him and started telling me that depositing a check in two different banks was fraud and I could face my account with XXXX too be closed, I tried to explained him that the check was never deposited twice. he transferred then call to a different department and did not allow me to explained him, the representative was rude and had an attitude because he thought I was trying to deposit the check in two different banks. Once, the call was transferred I requested to the transaction to be canceled by being told it was fraud was I had done. I was then told by the new banker on the line that the transaction could not be canceled. Next day XX/XX/2023 I received an email from XXXX stating : " to protect against potential fraud, we restricted your account and may close it soon '' I immediately called Chase Bank and I was told they needed to confirm the check with he company and that i did not cash it out in any other financial institution. I was told to request a Bank Statement from XXXX XXXX to demonstrate the funds were never deposited in XXXX XXXX Bank. I went to a XXXX XXXX branch I asked the banker to print a statement from my account showing the funds were never deposited in my account. As requested by bankers in Chase, I went to a Chase Bank branch and sat with a banker to whom I explained all this unfortunate and frustrating situation, he called a particular department that asks him to scan and submit documents showing the funds were never deposited in XXXX XXXX bank, so the banker sent everything he was asked by phone and I was told by the banker and the banker on the phone it was clear I did not deposit the check in different banks and they only needed to confirm the check with XXXX and the issue would be solved. I waited 48 hours as I was told, once I called I was notified by Chase bank banker my account was going to be permanently closed because they could not verify the authenticity of the check I received from XXXX. I was shocked how was possible the main bank in XXXX could not verify a check from a major company like XXXX. I told the banker I had all then letters from XXXX and the phone numbers if they wanted me to provide them with it, so they could verify the check and Chase Bank bankers informed me they could not call any phone number that did not appear in their data base, and check verification at a local branch was not an option either. I called several times and spoke with different bankers in an attempt to provide any information help to verify the check and was told every single time by Chase Bank Bankers in their data base they did not find any company to call to verify my check, again XXXX company. I find completely illegal by Chase bank to close my account when I demonstrated I did not commit any fraud. it is impossible they do not have a phone number to call XXXX. After my account was permanently closed I called XXXX again and I was informed the funds were collected and deposited in Chase Bank. So, basically could not " verify '' the check but it did collect the funds ( {$1000.00} ). It is outrageous a financial institution such as Chase Bank closes accounts from their clients with a perfect record of payments in time and good financial history, motivated by clients ' political beliefs or ideas. | ||||||
| 09/12/2022 | Yes |
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Web | Older American, Servicemember |
| XX/XX/XXXX Bank erroneously drills open my safety deposit box using a third party. Box number XXXX belonging to unknown tenant is inventoried witnessed by two bank employees XX/XX/XXXX I went to access my box with bank employee and we both stopped, horrified as we saw the locks had been drilled out and my box was opened. He reached for the box and I told him not to touch anything. He called another employee over and she opened door and pulled out an empty box. I felt like I was going to pass out as my XXXX XXXX startedmaking me feel very uncomfortable. She left to make a phone call after I asked her where the contents of my box is. She then informed me that the manager was on vacation and wouldnt return till XXXX XXXX I had to wait 4 days to find out if all my items were stolen. I felt XXXX and XXXX as I left the bank with no explanation. XX/XX/XXXX Manager tells me he had heard about the incident but there was nothing he could do at the moment XX/XX/XXXX Letter dated XX/XX/XXXX arrives from Chase telling me that they had not been able to get a hold of me and they will stop contacting me. I take it to the bank and show manager who states he is now the point of contact. I ask if I could see my box contents and he said no because he needed permission to show it XX/XX/XXXX received call from the bank manager to come in and see contents XX/XX/XXXX Arrived at bank to inspect contents Waited 20 minutes when manager and employee came out with sealed plastic bag This took place inside room of vault, there as a chair and a small table for me to sit at and a large plastic bag was opened with a knife contents spilling onto the table. Manager and employee stood on either side behind me looking over my shoulder and asked me to check off inventory as they read it off the list. I had problems because I couldnt read everything and all items were thrown helter skelter inside the bag not in the order of their list I suffer from XXXX XXXX XXXX, and it shot up making me dizzy and unable to proceed. I dont recall inventory of the papers of which there were over XXXX documents then we began with other items such as jewelry, collectible coins. I felt sick to my stomach and had urges to vomit. I kept swallowing because there was nowhere to spit it out. This was a long an arduous process for me as I was remembering things that I didnt see in the box. I was nervous and felt like I was under a lot of pressure with the two employees standing behind me. I remember all items were put back in the box and placed in a different wall space, not into the usual space. `I was informed that the reason for the box having been opened is that there were two boxes with the same number. Huh? Its easy to find out that the drilled box was mine by looking up the payment records on the box. It was automatically deducted yearly out of my chase savings account Chase Bank drilled out wrong box yet didnt bother to tell me, and only because I wanted access to the box did I find out. XXXX XXXX days passed from when the Box was drilled open XX/XX/XXXX and my being able to finally got to inventory on XX/XX/XXXX. i have been sick, not feeling so good, so it took me some time to recall items that were the box, but are no longer there since the unfortunate drilling. I sit down with my son and work through items that I realize are no longer in the inventory. A complaint was filed. time went by and I would receive letters stating that they had tried to get in contact with me but were unable to, so they would not attempt any more. Whenever I would call the person listed to contact, they were never there to answer the phone. My eldest son attempted many times with the same results. My younger son attempted to contact with the same results. Chase never returned the calls after messages were left on the machine. We attempted to talk to the Bank Manager, who was now being transferred, and he basically said it was not in his purview anymore and he could not help. I went to meet the new manager, briefed him, and he called the person handling the incident, who did not answer, so he left a message.. We returned a week late, The new manager said no return call had been received. Once again I received a letter stating that they had tried to get in contact with me but were unable to, so they would not attempt any more. This was the fourth letter of that nature. I called the number and finally talk to someone. I find out that the number they have on file was incorrect. He promises to look into the matter. I call several more times to no avail. I return to the bank manager, who again calls and leaves a message. He also writes an e-mail. XX/XX/XXXX I call Chase and get a hold of an employee ( XXXX XXXX and explain the situation, he places me on hold. The he returns and informs me that the investigation has concluded. Chase claims that no wrong was committed by the bank, and the case is closed. Nothing was stolen. there is no further contact concerning this case. I attempt to ask questions but I am hung up on. I have a list of the items stolen, to include my wedding ring. | ||||||
| 10/25/2023 | Yes |
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Web | Servicemember |
| ank you for finally sending the overpayment from Chase Auto Finance. Maybe you are finally getting things right for us. These accounts are still appearing and I'm still getting calls galore and emails or passed-due Still violating all the rules unbelievable From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX XXXX I appreciate your message, but you say it is my fault because I keep submitting new information. This is incorrect as the entire file was sent over a year ago, and I believe it was originally resolved in full and then back to being partially resolved. I have only continued to submit the information repeatedly because it keeps going back and forth. I don't like to be the one to be blamed for this fiasco. I would like to have this resolved. Regardless, at this point, you all have violated so many regulations on this. I have emails that go back documented last year ; before that, I don't know if I can bring up evidence of contacting you for help, and nothing is done, but I will research it further and see. These text message threads and phone calls were sent to you and sent to the consumer site reporting the phishing calls I believe they are referenced as. We have the report sent with the information. These all date back to last year. It has well been passed the allowable times to resolve, and all documents, reports, threads, and information were sent and documented last year. These accounts must be resolved today and removed and updated from our credit files. Thank you XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX From : XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Chase /CFPB, Supreme Court, XXXX XXXX I received the attached letter which again makes no sense whatsoever. I see this account is still not handled. I have gone round and round with you for years on this account and this is very wrong. I still have the original letter you sent advising you researched this account and found it does not belong to me and now you are changing your mind again? This has gone back and forth so many times. We never authorized the payments from an account ending in XXXX and the account was made and accessed by the person who opened and accessed this account. The hospital and doctor records we sent you confirmed we had no way to open an account in XX/XX/XXXX as we were incapacitated and hospitalized for the entire period of XXXX XXXX XXXX You are harassing and violating many laws and regulations against a XXXX military family. This is very wrong and the effort you put into helping me is awful. I have tried time and time again to get help from your offices. XXXX and XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX ; XXXX XXXX Subject : Re : Message from Chase Executive Office there should be a huge refund coming back to me for all the overpayments and charges not belonging to me. we were already told this was handled more than once and then sent multiple letters advising you removed it from our credit record and we are not responsible and then you continue this and it's not handled. This case needs to be closed in full and handled. From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX ; XXXX XXXX Subject : XXXX : Message from Chase Executive Office Still receiving and getting phone calls this is not right This should be fixed and handled by now. From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : Chase XXXX XXXX Subject : Re : Message from Chase XXXX XXXX XXXX XXXX XXXX for getting back to me Im hoping you will be the final one to close this out and resolve this in full. Im still getting calls an emails stating payments due and passed due. This is incorrect. From : Chase XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : Message from Chase XXXX XXXX Dear XXXX XXXX XXXX Im writing to let you know I am still researching your concern. I will contact you once it is complete. If you have questions in the meantime, I can be reached at XXXX, extension XXXX. Operator relay calls are accepted. I am available XXXX through XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Thank you for your patience. Sincerely, XXXX Chase Credit Card Executive Office XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX This message is confidential and subject to terms at : https : //www.jpmorgan.com/emaildisclaimer including on confidential, privileged or legal entity information, malicious content and monitoring of electronic messages. If you are not the intended recipient, please delete this message and notify the sender immediately. Any unauthorized use is strictly prohibited. | ||||||
| 01/25/2023 | Yes |
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Web | Servicemember |
| On friday XX/XX/23 I deposited a check settlement check for {$420000.00} into my bank account, I was told XXXX would be on hold until XX/XX/23 making {$220.00} available right away! Well on saturday I check my account in the app and it showed that the check hold was released, then put back on hold, and that took my balance to a negative. I call my bank on Saturday and Sunday and get the total run around. On Monday I go into my chase provided app to see if it had updated any, maybe like the balance but nothing. So Tuesday XX/XX/23 comes and I am notified in my app around XXXX XXXX that the hold was extended to XX/XX/23 and to go to my app for further information. I go and check my app and there's nothing no instructions, no info no nothing. So I reach out to my bank and this time it's XXXX XXXX. My bank is closed even the customer service isn't open so I'll call and continue to call I get the automated messages and nothing until around XXXX XXXX. I get my customer service department and they transfer me to the check hold department. During this time I speak to numerous representatives that hang up on me, speak to me in a nasty tone, make promises to help you when they really can't and tell lies over and over again. So at about XXXX XXXX I get this supervisor whose name was XXXX, at this point I have been through multiple people, and multiple supervisors. So this particular supervisor says go to the bank branch and speak to the branch manager and have them pull the active hold report and once they do that, they can verify the funds are there and release the funds because the funds are there! we verified the check. So around XXXX XXXX. I go to the branch closest to me where I actually deposited the check and ask to speak to the branch manager apparently she's not there so I get the branch assistant manager XXXX, XXXX explains to me that there's nothing that he can do because he is in the branch and that everything has to be done by the holds department, and that he was going to call them and see what he can do because they need to " verify the check '', But I was already told the check was verified by XXXX! So I'm at the bank with XXXX until about XXXX and basically nothing is accomplished. In that time of me sitting at the bank I called my lawyer and his office who issued the check and they got me in touch with the department that confirmed that the check was real and that it was issued to me, they also talked to the other bank many times and verified the check was real. So around XXXX XXXX I called the bank again we go through the process of them verifying the check verifying the bank and verifying all the stuff that they claim they need to verify I have already spoken to my lawyer the people who have issued the check to me they have explained to me that I need to speak to the operations department and that either XXXX or XXXX will get back to me and that they need to handle this. I am on the phone at the time with a supervisor who claims her name is XXXX, we sit on the phone for about 45 mins to an hr. And in that time her and I were on the phone I three-way my lawyers office and XXXX asked to speak to XXXX or XXXX and they were unavailable so XXXX says to me and the receptionist XXXX that once I get in touch with XXXX or XXXX give the holds department a call back so that they can verify that the check was given to me and is real. And once I do that they will release the funds because she completely reviewed my account and everything looks good. XXXX calls me back around XXXX XXXX and at this point I called the holds department back as instructed, asked to speak to a supervisor as instructed and I was hung up on so I called back again did the same thing and they were very argumentative and they would not give me a supervisor until I started to yell please listen to me you're a customer I am axing for a supervisor. Once we did I got a hold of a supervisor name XXXX, XXXX and I explain the situation and XXXX then puts XXXX and I on hold and says that he's reviewing my account but there are no notes and that he has to call XXXX XXXX XXXX and verify the check! he puts us on hold and so called verified the check but he's also asking XXXX for all the information of the law firm like the EIN like the address the phone number and then XXXX turns around and calls the law firm! nothing about the check! Were on the phone for over an hr and then XXXX hangs up on us! So at this point it's about XXXX and I'm worried the branch is closing so I called the branch and speak to the XXXX again he then puts me on hold and calls the holds department had me on hold for about 20-25 mins and comes back and says the holds department called XXXX XXXX XXXX and they could not verify the check! I am beyond frustrated at this point so I call XXXX back, he gave me his cell phone by now, and I patch him in as soon as I ask XXXX to say what he said to me XXXX hangs up! At this point I'm beyond lost and not sure what to do anymore! I've talked to so many people that I'm totally lost and at this point I think it's discriminatory at this point! | ||||||
| 10/08/2018 | Yes |
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| Summary JP Morgan Chase ( Chase Bank ) failed to conduct a reasonable investigation in relation to a credit card billing dispute in reference to a contractor ( also Merchant ) failing to complete work, causing water damage to two ( 2 ) tenant occupied rental properties, and obtaining payment through fraudulent misrepresentations ( Chase Case # XXXX ). Chase Bank willfully refused to accept images and video evidence in support of claim. Chase Bank ignored and then provided incorrect means of transmitting screenshots of text communications. Chase Bank does not appear to have employed even the most basic investigative techniques to include questioning parties about the incident and documentation submitted. The assigned investigator appears to have made no attempts to question the contradictory information in documentation provided to them by the Merchant. The investigator appeared disinterested in obtaining any additional documentation, to include available text communications, in support of the investigation and did not appear to have reviewed the documents sent to her based on our brief conversation. The investigator merely advised that Chase Bank is requiring me to hire another contractor to inspect work and submit a report on a company letterhead. This requirement was made only days before the investigators alleged deadline. Chase Bank has willfully ignored any requirement to conduct a reasonable investigation. Details On XX/XX/2018, I called Chase Bank to report a fraud incident involving a contractor who failed to complete the job for which he was paid to complete, caused water damage to two ( 2 ) of my tenant occupied rental properties, and obtained job and payment through deception and fraudulent misrepresentations. The investigator called for the first-time during the investigation on Friday, XX/XX/2018 ( four days before Chase re-billed charges ) advising they would not be able to move forward unless I hired a contractor to inspect Merchants work and damages. She also advised that she only had until next week to resolve incident. She claimed the incident was he said, she said. I reminded her of the text communications, photos, and video evidence I have been waiting to submit. I advised her that their secure message system which Chase advised to use to transmit documentation related to the dispute process would not allow submission of images files, zip files, or video files. She finally provide me with an email address to send images of screenshots of text communications to. She stated that they would only accept screenshots of text messages as images. She stated that they would not accept any other photos in support of the dispute. On XX/XX/2018, I sent an email to the address provided by the investigator with screenshots of text messages, photos, and video clips to Chase Bank. On XX/XX/2018, I called the investigator and left a message. Shortly afterwards, I received an email that a message had just been posted to my Chase account. When I checked the message. I found a letter dated XX/XX/2018 stating Chase found the charges to be valid. I never received any notice by mail and this XX/XX/2018 letter was posted on XX/XX/2018. I immediately called Chase to challenge the dispute and to confirm their receipt of the XX/XX/2018 email. My account reflected that Chase re-billed my account on XX/XX/2018 for the disputed charges. When I spoke with the call taker, I explained the situation and he immediately asked if I was suing. I advised that legal proceedings are underway and he immediately forwarded me to a supervisor. The supervisor answered and confirmed that legal proceedings were underway. I advised her that I believed that Chase Bank failed to conduct a reasonable investigation, cited the general deficiencies, and inquired about the procedure for appealing the investigation. She advised that I would need to dispute the charges again. When questioned about receipt of supporting documents she confirmed that they received the XX/XX/2018 email, but advised they were unable to open attachments. She advised all attachments needed to be in pdf format. I advised her that I specifically requested a means to transmit the image files and was instructed by the investigator that the email address she provided would allow them to be received. The supervisor advised the customer has the burden of proof in the dispute process. She also advised the Bank represents the customer in the billing dispute. Restricting the customer from submitting evidence in support of his claim contradicts any notion that a reasonable investigation is being conducted by the Bank who is allegedly representing the customer. On XX/XX/2018, I re-disputed the charges and submitted supporting evidence in pdf format as instructed by supervisor and noted the previous failure to conduct a reasonable investigation in the hopes Chase Bank will take the time to review and conduct at reasonable investigation. On Saturday, XX/XX/2018, I sent a message through their secure messaging system requesting information and to confirm receipt of attachments. | ||||||
| 11/10/2021 | Yes |
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| On or about XX/XX/2021, my mother and I PHYSICALLY went down to a Chase Bank in XXXX XXXX XXXX, XXXX to inquire about a refinance. I am the Power of Attorney for my mother and agreed to help facilitate the process on her behalf. I was advised to provide Chase Bank with the POA- which I did, IN PERSON at a Chase branch in XXXX XXXX.. .where I have dual residency. This LEGALLY BINDING DOCUMENT was accepted and approved by the Chase legal department without question. Upon approval, I was asked to complete an affidavit at Chase, which I did and the branch manager served as notary. The mortgage application process did not, would not and could not have taken place without proving that I had the legal right to do so on my mother 's behalf. I spoke with XXXX XXXX XXXX many, many times throughout the process.. .and even had a few conversations where I placed three way calls with my mother on the phone where her input was needed. After being told that she was conditionally approved, I was told that my mother did not need to be at closing and was advised that " it would be better to close in XXXX XXXX ''. I traveled to XXXX for closing, arrived at the atty 's office on XX/XX/2021, 30 minutes early and introduced myself to the office receptionist as the Power of Attorney for XXXX XXXX. I provided that office with two forms of state issued ID. The attorney made copies of my ID and told me to begin signing all documentation as " XXXX XXXX XXXX ''. After signing a majority of all of the required paperwork, he suddenly began to question the authenticity of my identity. He then had a revelation that Chase never approved the POA that I had given to them nearly 2 months earlier and that even if they did, the closing would not take place because I didn't have the original on my person - even though I was never told to bring it. I paid for the required appraisal out of my own pocket and flew to XXXX and paid for lodging near the attorney 's office for closing only to be treated like I was attempting to defraud Chase Bank. The attorney repeatedly tried to convince me to have my mother sign the paperwork and that he would personally travel to XXXX XXXX to get everything done. Everything was good to go- UNTIL THEY SAW MY FACE. Now to add insult to injury, AFTER I made the sound decision not to do business with Chase Bank anymore as a direct result of being treated this way, I am STILL being questioned about my intent to help my mother with a refinance for the sole purpose of paying her bills to help eliminate the burden of trying to remember credit cards due dates AND to utilize the reminder of the cash to purchase a home located closer to my home in XXXX XXXX for the purpose of having her relocate. After I requested that Chase rescind the loan offer, a representative from the XXXX XXXX department at Chase called me and told me that the attempt to refinance my mother 's home had been flagged as " suspicious '' by some or all involved Verbiage used during this conversation included descriptors such as " elder abuse '', " fraudulent '', " unusual refinance attempt. '' " family exploitation '' & " scam ''. At the conclusion of our conversation, he had it perfectly clear that he didn't see any questionable activity in her checking and savings account that would support the suspicion for fraud - but somehow, I was still being interrogated like a criminal. I DID EVERYTHING THAT CHASE ASKED ME TO DO in order to successfully refinance my mother 's home on her behalf - and even though I decided to terminate our relationship with Chase, I am being questioned like a felonious thief. Chase filed an official complaint with the Department of Adult Protection Services and sent a representative to my mother 's home and this has caused TREMENDOUS concern for my mother 's mental well being- as I am being painted as a con artist who is attempting to refi my mother 's home without her knowledge. I received written communication from Chase on XX/XX/2021 where they have provided me with a VERY INACCURATE timeline of events during the refi process. They are alleging things that absolutely NEVER OCCURRED which further validates my position that I was knowingly and purposely discriminated against. I sent Chase over 20 documents that clearly substantiate my position ... .but they have failed to review said documentation. I repeatedly sent copies of e-mails dating back to the very beginning of the process via XXXX - - a file sharing service that automatically provides me with a receipt when the recipient downloads the files. They never read those e-mails. They are standing firm in their position, never even hearing my side of the story. Chase Bank 's decision to change course on this mortgage came while I was literally sitting at the closing table. When I made it clear that they were being unprofessional, they became retaliatory by having XXXX XXXX contact me AND by having Adult Protection Services visit my mother 's home. Their actions have caused a complete emotional and psychological uproar - as my mother now thinks that I am involved in something fraudulent. | ||||||
| 08/08/2023 | Yes |
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Web | Servicemember |
| I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX which is my very very small income XXXX XXXX XXXX. I do XXXX XXXX out of my home for XXXX XXXX XXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. XXXX wrote a check on XX/XX/XXXX for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the XXXX XXXX XXXX XXXX He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX XXXX checks into our personal account so it never occurred to me that I needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX, cleared at XXXX bank XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per XXXX. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in a XXXX to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX XXXX Performance such as invoices. I brought in the requested paperwork on XX/XX/XXXX in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated I opened my Total Checking Chase Account online XX/XX/XXXX. We changed over the direct deposit info on our 2 forms of income ( SSDI, and VA Disability ) and deposited a check for {$990.00} made out to XXXX XXXX XXXX XXXX which is a very very XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I used my social security # for any money generated from XXXX XXXX XXXX which was very minimal. Recently, XXXX XXXX ( owner ), sold his business in XXXX, NC so income was to increase and I applied for a XXXX on XX/XX/XXXX, which is required in NC. XXXX wrote a check for {$990.00} to XXXX XXXX XXXX XXXXXXXX ( me ) for work done during the sale of his shop. He failed to put my name in the memo portion- XXXX never had an issue with depositing the XXXX XXXX XXXX checks into our nersonal account so it never occurred to me that needed a business account as this is not what pays the bills etc. Anyway, the check was deposited on XX/XX/XXXX cleared at XXXX bank, XXXX XXXX XXXX, on XX/XX/XXXX and Chase verified this check on XX/XX/XXXX. However, they put a hold on my account until the check was verified EVEN though it was already verified per BOA. The writer of the check, XXXX XXXX, said the money was removed from his account on XX/XX/XXXX. The restriction was to be removed from the account as long as I brought in requested paperwork to a local branch. I did exactly as I was asked to do which was bring in a XXXX w/ ANYTHING DATED PRIOR TO XX/XX/XXXX showing my name with XXXX XXXX XXXX XXXX such as invoices. I brought in the requested paperwork on XX/XX/XXXX, in which they faxed to " the back office ''. The banker who assisted me faxed my XXXX and an invoice dated XX/XX/XXXX. He then told me to wait XXXX to call the " back office '' to have them release the hold. I called on XX/XX/XXXX left my number to be called back and an hour later at XXXX Chase XXXX and I was spoken to rudely, and hung up on. So I do the same thing again and an hour later speak to someone else. He is XXXX help either and tells me that I needed paperwork dated after XX/XX/XXXX showing my name w/ the business name - THE XXXX XXXX that! The " back office '' stated if I wanted to close my account that I could stop by a branch after the holiday and get a check for our VA Direct Deposit of $ XXXX that went in on XX/XX/XXXX but not the {$990.00} because they need to verify the check ( which they did on XX/XX/XXXX )! So on XX/XX/XXXX I went to the XXXX XXXX NC branch to close my account. I checked my account before I left and the account was still open. By the time I got there the account was closed and they stated there's nothing they can do! They told me to call the " back office '' to find out where my money is! So I call the " back office '' AGAIN on XX/XX/XXXX for them to contradict what the branch told me would occur. They then stated they had to verify both the direct deposit and the check!!!!! I'm my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX so our income is limited as it is! So essentially we haven't been paid this month because of Chase Bank and their shady practices. At this point I've spoken to these people 5x by phone and 3 different visits to 3 different branches ( XXXX, NC, XXXX, NC XXXX XXXX, NC XXXX XXXX ) - it can not be legal for them to do this to people!!!! They need to give back our money that they've STOLEN. | ||||||
| 06/09/2018 | Yes |
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| I received an email offer from Chase/United for XXXX bonus miles if I signed up for a credit card ( copy of email offer is in first complaint fax document mentioned below ). Filled out offer online, and was later told by Chase that no, I had signed up for XXXX mile offer, not XXXX. After unproductive phone calls registering my dissatisfaction and asking them to honor my original offer, I sent complaint fax to Chase on XX/XX/XXXX, including a copy of my offer. I received low-level response dated XX/XX/XXXX that did not fully recognize my offer, message I received back was We understand you are interested in a different bonus offerplease contact us back after you have met the required spend After reading similar consumer complaint narratives on the internet involving Chases card division, eerily echoing my experience of being told I had actually applied for a lesser-value offer, even though I hadnt, I had a sense that there was bad faith on Chases part, and that what appeared to me as a bait and switch was more widespread. I wanted Chase to simply recognize and honor their original offer, not give me further hoops to jump through. I sent second communication of complaint to Chase ( certified with return receipt ) on XX/XX/XXXX and received an unsatisfactory response from them dated XX/XX/XXXX. I sent another letter of complaint on XX/XX/XXXX ( certified with return receipt ), and even though I got my return receipt back, I received no response after many weeks. I then sent a copy of the same XX/XX/XXXX complaint letter to an Executive at United Airlines, and he thought enough of it to forward it to the Chase Executive Office. XXXX XXXX at the Chase Executive Office called me, promising to investigate. He said he had the highest authority to deal with my complaint, and that even if I sent a letter to XXXX XXXX it would come back to this Executive Office. After investigating, XXXX XXXX called and said he had spoken to Card division and that their records show I applied for a XXXX mile offer. I asked if he had 1 ) spoken to the senior executive in Chases Card Division to whom I had addressed my letter, of XX/XX/XXXX, of which he had a copy, and who may have a further ability to comment on or investigate my complaint, and 2 ) whether or not he took into account the fact that so many other people were having this same issue, where they were being told that what they thought they applied for was, in Chases view, not what they applied for, and Chase purports that what was applied for was actually something lesser in value. Maybe there is an IT problem with the digital links or redirects that Chase is internally attaching to these promotions, so a customer thinks they are getting one thing but in a dizzying number of complaints the consumer actually received something less? In doing a further search regarding potential dissatisfaction with Chases practices, I found and have attached 45+ complaint narratives from the CSFB website that echo my experience. And this is only the total for people that actually took the trouble to contact the CFPB and also agreed to share their narrative ; one wonders how many similar complaints may be on Chases complaints register. XXXX XXXX at Chase said to my point 1 ) that he had not spoken to the senior executive in the Chase Card division to whom I had addressed my letter, and said that Chase had no record of receiving the letter. I directed him to the return receipt signed by someone at Chase that was included in the documents with my complaint, and he simply reiterated that Chase has no record of ever receiving this letter. With regards to 2 ) he said that he can only evaluate the merits of my complaint with information specific to my complaint, and can not consider the experiences of others and situations that he is not familiar with. XXXX XXXX summarized his comments in a letter to me dated XX/XX/XXXX. I did not find this letter to my satisfaction, and therefore am pursuing this further with the CFPB. While I view Chases behavior to be anti-consumer in my overall interactions, one of my reasons for making this complaint to the CFPB is that I want Chase to re-evaluate my complaint in light of the 45+ similar complaints, which in my view show a pattern of bad faith on Chases part, and that the facts in my case must be viewed in the broader light of dozens of similar consumer complaints, where one can easily feel like the aggrieved party in what can be characterized as a bait and switch routine that is widespread and pernicious. In my complaint letter dated XX/XX/XXXX I outline some possible avenues of investigation that Chase might want to pursue internally. Since XXXX XXXX in the Executive Office said that he could not weigh any information outside of my specific facts, then I implore Chase and the CFPB to consider this other information ( similar experiences of dozens of other consumers ) and take it into account when reviewing my complaint. XXXX XXXX of Chase admitted that he was explicitly excluding any such information and could only address the specific facts of my complaint. | ||||||
| 01/30/2018 | Yes |
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| Hello CFPB. I hope your day is going well. I would like to get you help in a matter concerning Chase bank. On XX/XX/18 Chase Bank closed all of my credit card accounts without warning. I noticed that the accounts were closed when I logged in to the website. I called in on Friday XX/XX/18 to see what was going on and the agent said that I was a high risk customer. I told that the risk analysis department had closed my accounts without any warning. I was totally surprised by what the agent was saying. On XX/XX/18, I spoke to XXXX, an account supervisor in the Lending department. I wanted to appeal my case. I asked with sincerity what I could do to make things right with Chase. I was willing to work things out with Chase and reestablish a good relationship. XXXX was rude and evasive the entire phone call. She was interrogating me and was very accusatory the entire call. She was not willing to consider anything I said, it was like talking to a robot. I could not get straight answers to my questions from her, it was like a pre-recording on an IVR. She kept saying I was a high risk. I asked what I was a risk of. She did not answer the question. I still dont know what I am a risk of to Chase. She said there was nothing she would do about my closed accounts. She actually hung up on me when I was being respectful and cordial with her the whole time. I was perplexed, what did I do so wrong to be treated so shabbily by Chase? I want the Chase executive team to review and listen to the recorded phone call that I had with XXXX. Is this how you treat your customers and human beings in general? It was shameful for her to speak the way she did. XXXX XXXX needs some training on how to interact with people. I dont agree that I am a high risk customer. I have never defaulted or missed a payment with Chase or any other bank. I never carry a high balance on any credit card. I have never had a past due account nor been in collections ; I pay all of my bills in a timely manner. I have never had a late payment to any credit card company nor bank. I have no debt, I have a professional job. I have had only 4 Chase credit cards in the last 10 years ; therefore I am not an over-user of Chase credit cards. My spending history is in line with being the head of household for a family of 4. There is nothing unusual there. I have a spotless credit history and rarely even carry a balance on my credit cards. Chase had previously deemed me worthy for these credit cards and even sends me unsolicited offers in the mail for other Chase credit cards. 2 of the Chase cards I have come with annual fees ; that I paid. I applied for and received the Chase XXXX card ( {$75.00} fee ) because we are travelling to my sons United States National chess tournament in XXXX this Spring. We are staying at the XXXX XXXX XXXX in XXXX GA. I applied for the Chase XXXX ( {$50.00} fee ) card because we are visiting XXXX, CA in XX/XX/2018. While booking my trip on the XXXX website, a Chase XXXX credit card offer appeared on the screen. With the credit card, we get some benefits during the trip so I applied. This card was approved by Chase with a credit limit of {$15000.00}. I received it in the mail. When I went online to activate it, I saw that Chase closed all of my accounts. Perhaps they could have declined the XXXX card instead of taking the severe action to close all of my accounts and sever our relationship. Chase had given me high credit limits on my cards ( $ XXXX for one ) because I have outstanding credit scores. I had used less than 5 % of my total available credit with Chase. The attached credit score of XXXX was obtained directly from Chases website on XX/XX/18. That score puts me in the highest category of credit scores ( XXXX ), grade A. That should mean that I am not a risk to any lender. My clean credit report has 0 derogatory accounts. I recently closed several credit card accounts that were opened with other companies. They had sent me unsolicited credit card offers in the mail due to my excellent credit rating. Those closings may not have shown up yet on my credit report when Chase took its action against me. Those accounts were opened just in case funds were needed due to a life changing medical problem of a family member. It turned out that the funds were not needed, therefore I closed those accounts. I do not plan on opening up more credit card accounts in XX/XX/XXXX This severe action by Chase will severely negatively impact my credit profile and financial well being. I feel that Chases decision to close my accounts was made in haste and rushed. Probably because I applied for the XXXX credit card. I would like to request that my accounts be reopened by Chase, the XXXX card can be denied if thats what it takes. I want to be on good terms with Chase. I am providing attachments and all Chase letters concerning this complaint. Attachments : - My Chase credit score - Chase closed account 1 - Chase closed account 2 - Chase closed account 3 - Letters from Chase about closing my accounts Thank you CFPB. Sincerely, Chase credit card customer | ||||||
| 03/17/2022 | Yes |
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| MY ORIGINAL MORTGAGE PAYMENT STARTED AS {$4300.00} IN XX/XX/XXXX I PAID ON TIME EVERY MONTH UNTIL I RECEIVED ESCROW BILL FOR {$3300.00} XX/XX/XXXX. I PAID IN FULL TO AVOID INCREASE IN MONTHLY MORTGAGE PAYMENT, SAID TO BE {$4700.00} OTHERWISE IT PAID, MONTHLY PAYMENT WOULD JUST BE {$4500.00}. CHASE MISTAKENLY CREDITED MY FULL ESCROW PAYMENT OF {$3300.00} PAYMENT TO PRINCIPAL INSTEAD OF ESCROW CHASE THEN STARTED 18 MONTHS OF THE FOLLOWING : MISSAPLIED /MISDIRECTED USE OF MY REGULAR ON TIME MONTHLY PAYMENTS CHASE EITHER APPLIED MY PAYMENTS AS UNDER PAYMENTS FOR THE MONTH UNNECCESARLY ADVANCED ESCROW APPLIED LATE FEES UNNECESSARILY DID NOT CREDIT INTEREST DID NOT CREDIT ESCROW DID NOT CREDIT PRINCIPAL OR OVER APPLIED PRINICPAL IN GENERAL CHASE CONTINUED TO MISAPPLY ALL MONTHLY PAYMENTS INTO MY ACCOUNT FROM XX/XX/XXXX THRU PRESENT THIS ACTION OF MISAPPLYING OF MY MONTHLY PAYMENTS CAUSED ME TO RECEIVE IN XX/XX/XXXX A PAST DUE NOTICE OF OVER 6K FROM CHASE, SINCE THEY HAD BEEN APPLYING ALL MY REGULAR MONTHLY PAYMENTS RANDOMLY INCONSISTENTLY. IN SOME MONTHS THEY WOULD CREDIT PRININCAL, SOME MONTHS JUST INTEREST, SOME MONTHS BOTHS, SOME BOTHS DOUBLE PRINCIPAL ETC... THEY ALSO APPLIED OVER 2K IN LATE FEES OVER THESE MONTHS DUE TO THEIR ONGOING MISUES OF MY MONEY. IT IS ALSO IMPORTANT TO NOTE THAT AFTER I MADE THE FULL PAYMENT OF ECROW IN XX/XX/XXXX THAT WAS WRONGLY APPLIED AS A PRINCIPAL PAYMENT I HAD FORGOTTEN THAT I MADE THAT PAYMENT AND CONTINUED TO PAY THE HIGHER MONTHLY PAYMENT OF XXXX PER MONTH ( AN EXCESS OF {$200.00} PER MONTH ) INSTEAD OF {$4500.00} MY COMPLAINT IS INITIALLY A CREDIT ISSUE, SINCE NOT ONLY DID I NOT OWE CHASE AS PAST DUE AMOUNT BUT THEY HAVE THOUSANDS IN EXCESS DUE TO THEIR 18 MONTHS OF MISAAPLIED FUNDS AND WRONGLY APPLIED LATES FEES CHASE HAS ADMITTED THEIR WRONG DOING AND HAS NOT PROPERLY CORRECTED THE THE ACCOUNTING. THEY ONLY ISOLATED THE ESCROW ACCOUNT AND HAVE WORSENED THE ISSUE BY CAUSEING MY ESCROW TO NOW SHOW A POSITIVE XXXX BALANCE THEY HAVE YET TO CORRECT MY PRINICIPAL BALANCE TO PROPER AMOUNT THEY HAVE YET TO PROPERLY PROVIDE ME WITH XXXX AND XXXX RE CALCULATED TAX STATEMENTS THEY HAVE YET TO PROVIDE WITH WITH RECALCULATED XXXX ESCROW ANALYSIS THEY HAVE TO CREDIT ME ME WITH ALL THE LATE FEES WHAT I NEED VS WHAT THEY ARE WILLING TO SEND I NEED MY ACCOUNT TO BE AUDITED FROM XX/XX/XXXX THRU PRESENT IN THE FOLLOWING MANNER ONLY IN ORDER TO ESTABLISH PROPER CREDITING OF PRINCIPAL .INTEREST AND ESCROW TO EACH PAYMENT ACCURATE MONTHLY PAYMENT BASED ON ACCURATE ESROW ANAYLSIS OF TRUE XXXX BALANCE AFTER PROPER DEPOSIT OF CORRECT MONTHLY PAYMENTS OF {$4500.00} FROM XX/XX/XXXX THRY XX/XX/XXXX RECALCULATION IN XX/XX/XXXX OF ESCROW BASED ON {$4500.00} AND PROPER CREDITING EACH MONTH TO PRINCIPAL, INTEREST AND ESCROW NEW MONTHLY PAYMENT SHOULD BE DERIVED AT THAT POINT AND BE USED AND ENTERED AS PAYMENT FROM XX/XX/XXXX THRU XX/XX/XXXX APPLYING REQUIRED PRINCIPAL INTEREST AND ESCROW THE END RESULT I AM REQUESTING FOR MY COMPLAINT TO BE RESOLVED PRINCIPAL BALANCE SHOULD BE RESTORED TO AN AMOUNT MUCH HIGHER THAN THE XXXX DIFFERENT AMOUNTS RECENTLY SENT VARYING FROM XXXX TO XXXX MUST BE IN ACCORDANCE WITH PAYMENTS OF {$4500.00} FROM XX/XX/XXXX THRU XX/XX/XXXX AND WHAT EVER ESCROW ANAYLSIS DEEMS ACCURATE FROM XX/XX/XXXX THRU PRESENT ( XXXX THIS TO BE ABOUT {$4600.00} OR LESS ) INTEREST SHOULD BE APPLIED ACCORDING TO THE SAME PROCESS AS ABOVE AND THEN RECALCULATED XXXX AND XXXX TAX STATEMENTS SHOULD BE PROVIDED BEFORE XX/XX/XXXX IN ORDER SUBMIT MY XXXX TAXES AND DO AN AMENDMENT TO MY XXXX TAXES ALL OF THE ABOVE SHOULD RESULT IN A POSITIVE ESCROW ACCOUNT BALANCE AND THE RESIDUAL LATE FEES MUST BE CREDITED BACK TO MYSELF I HAVE ROUGH NUMBERS, I AM HAPPY TO WALK THROUGH LINE BY LINE OF HOW THIS NEEDS TO PROCESS, BUT CHASE EXECUTIVE OFFICE KEEPS ADVISING ME THEY HAVE DONE ALL THEY CAN. WHAT THEY HAVE DONE IS LEAVE ME WITH INACCURATE TAX STATEMENTS FOR TAX YEARS XXXX AND XXXX, AN INACCURATE PRINCIPAL BALANCE ( OVERAPPLIED MONIES TO PAY DOWN PRINCIPAL ) AND A HIGHLY EXCESSIVE POSITIVE ESCROW BALANCE OF OVER 6K. THE EMPLOYEES IN THE EXECUTIVE OFFICE SADLY ARE NOT ACCOUNTANTS AND THIS LEVEL OF DETAILIS NOT ATTAINABLE AT THEIR JOB LEVEL. I WILL ONLY ACCEPT A LINE BY LINE ITEMIZATION OF ENTRIES BY MONTHLY MORTGAGE PAYMENT WITH ACCURATE CREDITING OF PRINCIPAL, INTEREST AND ESCROW GEENRALLY PERFORMED BY A EMPLOYEE IN FINANCE OR ACCOUNTING I HAVE EXHAUSTED XXXX XXXX WITHIN CHASE, IT HAS TAKEN 7 WEEKS AND CHASE EXECUTIVE OFFICE HAS BEEN VERY LOW LEVEL AND FAR FROM EXECUTIVE. THEY KEEP TELLING ME THIS MATTER HAS BEEN RESOLVED WHILE IT HAS BEEN WRONGLY INCOMPLETELY SOLVED AND STILL ONGOING AND WILL CONTINUE. I AM DISAPPOINTED THAT WHEN YOU CALL ONE OF THE LARGEST BANKS IN THE XXXX YOU CAN ONLY SPEAK TO A LEVEL OF EMPLOYEE IN THE XXXX AND NO FURTHER IF YOUR PROBLEM INVOLVES INTRICATE DETAILS. THIS IS UNACCEPTABLE WHEN A CLIENTS, CREDIT SCORE, STATE AND FEDERAL TAX FILING AND CASH FLOW IS ON THE LINE. PLEASE ASSIST IN CORRECTING THIS MATTER AND GETTING CHASE TO TAKE THE NECSAARY DETAILED ACTION. THANK YOU | ||||||
| 06/10/2020 | Yes |
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| Please accept this formal complaint against JP Morgan Chase Bank. This bank is engaged in unlawful practices and predatory lending which undermines the financial sanctity of our society. I am a victim of JP Morgan Chase Banks unethical, immoral, and illegal handling of me as a victim of identity theft as outlined in this missive. I pray that you investigate and take all appropriate action in this matter. The above subject matter is in reference to an unfair and erroneous reporting for Account Number XXXX in which JP Morgan Chase served as a lender. In summary, sometime during XX/XX/XXXX, JP Morgan Chase illegally issued the above-mentioned credit card in my name to my former address. I discovered the identity theft in XXXX of XXXX. I notified the credit bureaus and Chase. Chase illegally verified with the credit bureaus that the account belonged to me. I contacted Chase and sent them several pieces of documentation proving that the account could not possibly be mine. Chase put the matter under investigation. Months went by and I had not heard from Chase however the fraudulent account was still, and still is reporting on my credit profiles. I was constantly faxing and submitting information to Chase as every time I called, I got a different representative. I faxed, certified mailed and emailed as I was told by various representatives as all proves are enclosed. To date, Chase has not removed this fraudulent account from my credit report. In face without any notice given to me, in contravention of the law, Chase further exacerbated this issue by denying my fraud dispute with the credit bureaus. Since then, I have continued to bear the financial burden of an account that was illegally opened by their company because of their fraudulent, erroneous and unfair credit reporting. Under Louisiana Revised Statutes Tit. 9, 3568 ( B ) and State Identity Theft and Credit Reporting Statutes, Each creditor who grants credit as a result of information which was obtained through an identity theft shall make available to the victim of the identity theft application information and transactional information, such as a copy of one or more complete monthly billing statements prepared in the regular course of business by a financial institution, in the possession of the creditor which the victim needs to undo the effects of the identity theft. Prior to providing information to the victim, the creditor or its representative may require the victim to submit a written statement, dated and signed by the victim of identity theft, which ( a ) provides information sufficient to verify the identity of the victim and the existence of an identity crime, including a copy of the police report and a copy of the victim 's state-issued identification card, and ( b ) states that the consumer authorizes disclosure of the information, and ( c ) identifies the information the victim requests to be disclosed. On the other hand, the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681 ) All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). It is based on their continued unfair and erroneous reporting of the above named account and their contravention of the above laws that I have written to them in the past, including a letter addressed to the Bank in XX/XX/XXXX, which the bank sent me back a request for information. In the letter, I specifically requested that JP Morgan Chase investigate as outlined in 15 U.S.C. 1681s-2 and demanded a full account validation and requested that pursuant to Louisiana Revised Statutes Tit. 9. 3571.1, the validation be in the form of a notarized statement with a person with the knowledge of the debt. Additionally, I requested that JP Morgan Chase Bank send me an explanation of the methods used, and the description of the records reviewed in the process of the investigation. JP Morgan Chase sent me forms to fill out and have notarized, additionally they had me file an ID Theft Report and send them copies of my drivers license and billing statements proving my address during the time this account was opened. Which I complied with several times. All my efforts proved futile because of their giving me the run around. | ||||||
| 12/23/2021 | Yes |
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| Re : Chase Claim # XXXX ( NOTE : the referenced attachments are attached ( but not numbered ) and all of this and the attachments have been sent to Chase via my local branch and their fraud line. They responded " As we discussed and agreed, no action will be taken ; this inquiry is now resolved. '' However, Federal regulations require that Chase pay this : https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ ) Following is a summary of the events which led to {$10000.00} being fraudulently taken from my Chase business checking account. I request that these funds be restored to my account # XXXX immediately while you pursue your investigation. XXXX XXXX ( XXXX ) XXXX Tuesday XX/XX/XXXX at XXXX XXXX Pacific Time I received a fraud alert from chase at XXXX digit code XXXX saying they had declined a {$600.00} charge to my debit card at XXXX XXXX. I indicated that this was not me, so the card was closed and a new one is on its way. See Exhibits XXXX and XXXX. Wednesday XX/XX/XXXX at XXXX PM Pacific Time I received another fraud alert and did not recognize at the time that it was coming from a private phone number, the number was XXXX XXXX XXXX. See Exhibits XXXX and XXXX which are screenshots of those texts. Initially, I thought they were questioning the {$5000.00} payment I had made the same day on my XXXX XXXX credit card. So initially I said yes that {$5000.00} transaction was valid. However, that payment had not yet posted to my checking account so I immediately responded no. I was contacted minutes later by a phone call masked as the Chase customer service line at XXXX. The man said his name was XXXX XXXX, gave me a badge number ( which I now know you dont have ), that he was based out of the XXXX office of Chase, and that it appeared someone named XXXX XXXX had tried to make that charge through their XXXX account. Interestingly, he knew about the declined transaction the day before at XXXX so I'm wondering if he actually was responsible for that also. He told me that these transactions were done through the XXXX app and that as a result I would need to send the funds back to myself through XXXX for them to be reversed. This seemed very odd to me but he kept reassuring me that the funds were FDIC insured and that this was protocol. Even though I had XXXX accounts in my own name in the XXXX app already he made me set up another one using just my first XXXX initials and my cell number with no email. My radar was up as I had never heard of anything like this before. ( In retrospect I wish I had stopped right then. ) He wanted me to wait for a text message saying that my account was set up which is attached as Exhibit XXXX. Meanwhile another text message fraud alert came through saying {$2000.00} was trying to be sent to someone named XXXX XXXX. He brushed that off as saying it was another fraudulent message. I thought it was strange because on the screen it indicated then I was registered as XXXX which you can see at the top of exhibit XXXX. He waited on the line until the first {$5000.00} transaction to my new XXXX account had completed. See exhibit XXXX and XXXX. He gave me a story about how the system was resetting at XXXX PM XXXXacific and then he would have to call me back then to take care of the next in the series of fraudulent transactions and told me that there were others pending for as much as {$15000.00}. He called me again at XXXX PM and I had meanwhile moved my funds from checking to savings to avoid any further fraud. I said it was strange that he was now calling from a Michigan phone number an he gave an excuse about calling from his direct extension. When I looked back after the fact, I discovered that that number he called from was the same one the initial text came from that started this whole process. I suspect he's doing this with other customers as well. He wanted to initiate another {$5000.00} transaction to a XXXX XXXX account but I did not have enough to cover {$5000.00} in my checking. He convinced me to move XXXX back into my checking to complete this transaction but because of that being moved back and forth so quickly it did not go through right away. You will notice on exhibit XXXX that it shows it hasn't been processed yet ( it was eventually ) and it also shows that I'm now registered as someone named XXXX which I also asked him about. He said that was a different supervisor for a different type of bank. Also XXXX. As soon as these transactions were completed they disconnected my account from the accounts to which the funds were diverted as you will see in the screenshots of the text messages labeled XXXX, XXXX, XXXX and XXXX. It wasn't until XXXX XXXX XX/XX/XXXX when I called Chase business customer service myself that I found out from your representative XXXX that all of this was a big huge scam. That is why I am sending you this documentation so that we can not only restore my funds but keep any other customers from falling prey to this scheme. | ||||||
| 12/28/2018 | Yes |
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| On XX/XX/XXXX I had 5 processed and paid transaction via Chase QuickPay With XXXX adding up to {$4900.00}. None of these were identified until on or about the XX/XX/XXXX-XX/XX/XXXX after 3 other transactions were attempted on the same account. On the XX/XX/XXXX I received a call from Chase stating that they wanted to verify a quickpay transaction right after I had made a quickpay transaction to my wife. My transaction was {$1500.00}, Chase identified another transaction that was submitted at almost the exact same time which triggered the call for Aprox {$1300.00}. This one was denied and a verification call was made to me, I identified it as Fraud and went immediately to the branch nearest to me in XXXX, Tx. I had to sign affidavits stating that it was fraud on my account, shut down my two business accounts and open two new ones. After trying to set up my new online profile with new login and password I had to call Chase for assistance in adding my wife as a payee. Chase customer service was reviewing my previous list of payees and stated that they could see all 5 of them, I ask them to read the list of names because there were only 4 that I was aware of ( 1 fraudulent on the XX/XX/XXXX, my wife and two other that I paid several years back ), they read the names and one that I didnt know was listed. I was told that on the XX/XX/XXXXr 5 transactions were processed to a XXXX XXXX ( fraudulent ) via Chase Quickpay with XXXX equaling {$4900.00}. At that point I had to revisit the local branch again in XXXX, tx and sign another affidavit stating this was unauthorized and fraud. I requested all statements back to XX/XX/2018 to verify any and all transactions. I found no other questionable transations on Quickpay prior to the XX/XX/XXXX incidents. Two days later, I got my online portal set up for my quickpay again adding only my wife as a payee. I made a test transfer of {$20.00} to her to verify that it worked. The next day a XXXX XXXX added themselves to my list of payees and made a {$1300.00} transfer to herself. All logins and passwords were changed as requested by Chase, both phone and computer ran malware and anti-virus as requested. I had to again go to the nearest branch, this time I went to the local branch in XXXX, tx and closed the second set of business accounts and open another two. A few days later I got an alert via text that a transaction was attempted on my wifes account but was rejected due to insufficient funds. At that point we discontinued any online banking on my personal banking. I notified the bank of her account being compromised. The bank issued a temporary credit to my account for the 5 fraudulent transaction on the 1st by XXXX XXXX and for the XX/XX/XXXX fraudulent transaction for {$1300.00} to XXXX XXXX. I was told that after the investigation was complete that the credits would be made permanent, assuming they were found to be fraudulent. On the XX/XX/2018 I received an alert that a reversal of {$4900.00} was taken from my account. I called Chase Claims department and asked what has happened and I was told that the investigation was complete and it was found that the first 5 transactions on XX/XX/XXXX were from the same IP address as other transactions that were authorized. I asked for the IP addresses and was told that they couldnt give me that information. I told the Claims department that I wanted the claim to be elevated and appealed because it was fraud and unauthorized. I was assured then that it would be elevated and reevaluated. On the XX/XX/XXXX I visited the local branch by my home and spoke to the Branch Manager whom put me in contact with the claims department again. When we attempted to follow up on the claim I was told that the claim had not be elevated as I was told it would on the XX/XX/XXXX. After back and forth conversations the Claims department initially stated that without supporting documentation they could not elevate the claim, but could not tell me what was needed on my behalf. After asking again for the IP addresses that were stated to be the reason for denial of the claim I was told that they could mail it to me and it was be 7-10 business days before I would get it. Then I was told that sense the claim was denied on the XX/XX/XXXX I had 24 hrs to submit supporting documentation before the 30 day time line was up. To date I still have not received a letter of denial from the bank. After arguing the insufficient timeframe to respond I was told she would have a supervisor contact me later that day. At around XXXX I received a call from a XXXX XXXX from the claims escalation department stating that she would personally see that it was sent to the Manager of her department and that I would get a follow up call the next day or the following Monday. The main question is with all of the documented fraud and the approved claim for {$1300.00}, how is this claim for 5 separate transactions on the same day denied. In a less than 3 weeks my accounts were hacked repeatedly, reported and documented. It isnt an individual claim issue all of the tie together. | ||||||
| 05/04/2019 | Yes |
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| JPMORGAN CHASE BANK , NATIONAL ASSOCIATION had closed out all of my accounts too include my credit card ( s ) and repelled myself permanently from ever having me as a customer, ever again - without any formal indication or adjudication for their action, for no reason, other than pointing out a section in their customer account book, titled : " getting to know your customer ''. When they initially closed out my accounts ; during this time - the same time, I was managing my investments and needed to transfer funds back to the United States. They were the only bank I utilized at the time. However, because of their immediate notice and closure of my accounts I could not make transfer of funds and because of this, I had a net loss of {$100000.00} due to timing of a currency swap. Chase has continuously failed to provide rationale for my immediate account closures and termination of relationship ; in effect, arbitrarily they also refuse up to acknowledge their business practices were not in align with customer relationship models and without reason causing adverse residual effects and subsequently compensate me for my losses of {$100000.00}. Their premature actions, offered little hope or insight and as quickly as they closed my accounts was not enough time to travel and transfer my funds back. Subsequently, I also raised the argument - why if a consumer closes and account by " early termination '' there is an account fee for this, yet, Chase Bank, N.A. has the authority without my cognizance to close out my account in an untimely manner. Even without the opportunity for remediation. I have been attempting to resolve this matter with Chase Bank, N.A. for a number of years and in their last transmittal they were supposed to send out explanation letters - which should contain their direct compensation of damage " Tort '' ( breach ) done, issues. I have been waiting diligently for this and they have failed to communicate and or essentially follow-up to their promises. They never offered me any resolution for any matter which may have been of concern. Compulsively, being ignored. There would be no reason why CHASE BANK, N.A. would have to close out my accounts, I was in good standing and never was late on my credit cards of which I held for a decade or so and paid in full each month. I have had loans in the past from Chase Bank, N.A. all paid back in full. I recently had applied for an XXXX credit card, they sent me a denial letter without reason and refuse to offer any validation other than blacklisting me as a client. The very logic of someone's decision at CHASE BANK, N.A. to quickly terminate my accounts led to grave and severe financial losses, consequently, in which I am seeking full recovery of {$100000.00}. In redress to the Office of the Comptroller of the Currency, CHASE BANK, N.A. dated XX/XX/2018 has voided the issue as if it is moot, in which, in any case, is not. More so over, they have no valid legal argument. They are and have been admitting guilt since the issue originated. More information will be provided at your request. I have evidence to support my claims. CHASE BANK, N.A. must send rationale for their actions to close all my accounts along with their supporting documentation in order to allow me due process for legal proceedings. This matter is not resolved and is valid in continuation for all statues, laws, and court procedures. By not providing any material responses, they are admiring guilt and are willing to pay {$10000.00} in damages to me immediately. My consumer rights were abhorrently and utterly disregarded without any compassion of consumer impacts. CHASE BANK, N.A. has gone further to victimize my spouse by blacklisting her as a client ever again as well, when she also had all her credit card accounts closed out permanently. For no reason given by CHASE BANK, N.A. My spouse was joint listed on the account I had signed up for - they punished her for no wrongdoings in excess of the damages they had done to me. Any and all supporting timelines, proof of losses, the issues leading up are all of record. CHASE BANK, N.A. has gone as far to complete ignore the requests of the Office of the Comptroller of the Currency ( OCC ) and can not validate any reason, under any government law which would supported their activities and actions - and once again, have systematically ignored and overpowered the issue. All matters of contract law, if any would have needed to be validated by CHASE BANK, N.A. in my prior complaints to OCC. All of my consumer rights have been violated, any contract or agreement was voided out by one party without first notifying or acknowledging issues or offering resolutions. The procedures and requirements for account closure were wrongfully executed. Terms and conditions, if any, were all ignored. This also appears to be a matter brought to you by discriminatory actions by CHASE BANK, N.A. against me. CHASE BANK, N.A. instead of rectify the cause, decided to just ignore me as a consumer and all the consequential damages incurred as a result. | ||||||
| 12/26/2020 | Yes |
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| On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX from a lady who identified herself as Amazon fraud tech support. She stated that someone hacked my Amazon account and purchased three XXXX total worth around {$2600.00}. She said she will help me recover the money and to do so she said she will need to remote access my laptop by XXXX for security purposes. She then stated that the hacker used XXXX XXXX, XXXX accounts to purchase the XXXX and those three accounts were connected to Amazon. Therefore, she said that I will need to get on those three accounts and instructed me to download the XXXX, XXXX, and XXXX pay apps on my phone. She instructed me to give her access on my phone remotely so she could help me do the gift card transaction. She also said that I needed to send money to the business manager so he can send me back the money I lost and instructed me to send payments to XXXX XXXX via the XXXX transaction. I was on the phone with her while she instructed me to do all these transactions for over 2 hours. I work from home because of the pandemic and I thought I should let my boss know that I was not able to work because of what was going on. So, I texted my boss and my boyfriend letting them know that my Amazon account was hacked, and the Amazon tech support is remote accessing my laptop and phone and trying to recover the lost money. As soon as I sent the text to my boyfriend, he called me and told me that I was getting scammed. I three-way connected my boyfriend to my call with the lady, and my boyfriend confronted her saying she was the scammer, then she hung up. When my boyfriend was confronting her, my laptop opened a notepad and the scammer started typing saying I just got scammed. I somehow managed to save that notepad and attached it here. For almost three hours on the phone with the lady, I lost a total {$3000.00}. I called the XXXX XXXX Police Department and reported the incident and the corporal from the XXXX XXXX Police Department took my statement and assigned a Crime Report number to my incident as a Grand Theft. The Crime Report number is XXXX and it is attached here. Then I called Chase Bank and XXXX XXXX credit card and reported that I just got scammed and all the transactions that were made were done because I got scammed. I also gave them the Crime Report number I got from the XXXX XXXX Police Department. XXXX XXXX credit card gave me the {$200.00} credit and Chase Bank gave me the {$890.00} credit for the non-XXXX transaction. The reason why I am filing a claim is because Chase Bank will not credit me back for the total {$2000.00} I lost through the XXXX transaction because of this scam. Below is the timeline of my phone calls with Chase Bank 's claims department. XX/XX/XXXX reported the scam incident to Chase Bank claims department and two claims were filed. One claim for the XXXX transactions total {$2000.00} ( claim # XXXX ), and another claim for the non-XXXX transactions total {$890.00} ( claim # XXXX ). Chase Bank gave me credit for the non-XXXX transaction of {$890.00}. XX/XX/XXXX called the Chase Bank claims department and followed up on the status of my claim. I was told that the XXXX transaction claim was pending. XX/XX/XXXX called the Chase Bank claims department and followed up on the status of my claim. I talked to XXXX and was advised that the XXXX transaction claim was pending. I gave XXXX the Crime Report number from the XXXX XXXX Police Department. XX/XX/XXXX called the Chase Bank claims department and followed up on the status of my claim. I talked to XXXX. XXXX told me that they just started working on the XXXX transaction claim and they were doing their best to recover the money. XX/XX/XXXX at XXXX received an email from chase notifying me that there is a notice I need to read on Chase account ( screenshot of email attached here ) The notice was posted on XX/XX/XXXX and I opened and read it. ( The screen shot of the notice being posted on XX/XX/XXXX and the notice itself are attached here. ) On the notice, it read As we discussed and agreed, no action will be taken. I have never discussed or agreed on anything with Chase when I talked to XXXX. XXXX said they were trying their best to recover the money. Therefore, I called the Chase Bank claims department right away. The lady from the Chase Bank claims department told me that because I said I was scammed, it was my fault and Chase was not responsible. I have attached the screenshot of the three XXXX transactions. The transaction numbers are XXXX ( {$200.00} ), XXXX ( {$900.00} ), XXXX ( {$900.00} ). By looking at these XXXX transaction numbers, you can tell XXXX XXXX who received the XXXX payments by scam is also a Chase Bank account holder. By Chase Bank not taking any actions for this crime, Chase Bank is allowing this scammer to continuously receive money he made by scamming people to his Chase Bank account. Therefore, I believe Chase Bank should credit me the {$2000.00} ( by three XXXX transactions ) lost money by scam and the Chase Bank should retrieve the money from the scammer. | ||||||
| 05/28/2019 | Yes |
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Web | Servicemember |
| XX/XX/19 The following is a timeline of what transpired from XXXX XXXX present : I, XXXX XXXX was told in XXXX he was losing his job of almost 18 years with XXXX XXXX XXXX . XX/XX/XXXX was his last day. He was applying for jobs everywhere on different career job sites from XXXX. On XX/XX/XXXX, he was contact about a job with a company called XXXX XXXX XXXX XXXX XXXX XXXX as a XXXX/XXXX XXXX. They said they found his resume on the career job boards. He was interviewed over the phone by someone XXXX XXXX who was his " supervisor '' for the entire month. Email : XXXX Phone : XXXX. XXXX is the toll free company number he is given. He was told XXXX XXXX XXXX XXXX XXXX XXXX is based out of XXXX with their main headquarters in New York : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY. They said they had an office in Florida and they were expanding into Michigan and Texas and that he would be the first in Michigan. If he was found to be trustworthy and do a good job he would be the lead in Michigan. On XX/XX/XXXX, he signed an employment letter that they sent him accepting the position. The employment letter details compensation, commission and benefits. He is told he will be paid commission on everything he buys and ships so there is an incentive to buy and ship as much as possible. On XX/XX/XXXX he was given his first assignment to buy products from XXXX XXXX. He left my children 's spring concert in order to do it as soon as possible so they would be happy with his performance. He made an error and put it on our personal credit card. The next day he returned and re-purchased it with a Chase card he opened for this purpose to keep it separate for expenses etc. He was told he would put it on his card for 3 weeks ( probation ) while he proved himself to be trustworthy and then he would be given a corporate credit card to put the purchases on. He was given a XXXX XXXX account number to link to the Chase account to pay for the purchases : Account # XXXX. Routing # XXXX. Once the money was in his account and he paid the Chase balance and the balance said {$0.00} he would ship the products. Because the money would come in within hours and the Chase balance would clear to {$0.00}, he thought everything was legitimate. He speaks with or emails XXXX pretty much every day in XXXX. He continues buying and shipping using the same process above. From XX/XX/XXXX to XX/XX/XXXX there was 0 indication that there was a problem. During the course of the month he shipped approximately $ XXXX of XXXX XXXX Products are shipped to : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FL XXXX Approximately $ XXXX in products from XXXX XXXX are shipped to addresses in XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX he tried to purchase products at XXXX XXXX and the card is frozen for the amount of activity. On XX/XX/XXXX ( for the first time ) he sees a reversal of money for {$4100.00}. He contacts his supervisor XXXX who apologizes and tells him it is an error and she will get him a new account number. She send the same account number on XX/XX/XXXX. He responds and tells her that and there is no response. On XX/XX/XXXX, he goes into a local Chase bank to find out what is going on with the accounts. They try to use the XXXX XXXX account and tell him that it is invalid/closed. He tries contacting the company again that day and for the first time in almost a month they do not answer or return the calls. On XX/XX/XXXX he files a police report and a report with the FBI. On XX/XX/XXXX he goes into a local FBI agent XXXX XXXX. XXXX XXXX. He also files a fraud alert with the credit agencies and chase bank. We send an email to a VP of Chase bank ( fraud dept ) to share what happened. I have not heard back from him so I am not certain if he will be the contact for this. We have not heard from anyone at Chase yet : XXXX Since last week and this week more money is being reversed. The grand total is $ XXXX between products and shipping. We have contacted XXXX XXXX corporate and local to try and stop this from happening again. He called Florida and was told he could not file a police report because we are in Michigan. On XX/XX/XXXX, I was able to reach XXXX who is in the Chase Fraud Department. He said he was flagging the transactions as fraud and issuing a temporary credit while they investigate. His number is XXXX. Ex : XXXX. His bosss email is XXXX. I was asked to forward all the documentation to his boss. On XX/XX/XXXX the local police gave us their report classifying this as fraud. We forwarded that documentation to Chase. On XX/XX/XXXX, XXXX/Chase called and said he felt terrible and was sick about it. That his superiors classified it as fraud but are holding us responsible for all $ XXXX, that we can not appeal and our only option was to get a lawyer. Thanks so much for your time and help, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX | ||||||
| 12/24/2017 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX VIA XXXX Complaint Form Dear CFPB This may not be your problem. I have been wrongly billed on my credit card for over {$900.00}, and I have had the charge reversed, but neither the merchant nor my credit card company will identify which law enforcement agency has jurisdiction over this false billing, and my credit card company ( a bank ) admits that it has not even notified any law enforcement agency of the false charge. If your agency does not have jurisdiction over credit card fraud or the refusal of regulated financial institutions to even identify which agency has jurisdiction over such fraud, please identify that agency ( or agencies ) and provide XXXX and mail addresses to which complaints should be addressed. If you do have jurisdiction ( or interest ) in cases of credit card fraud or if you have jurisdiction over bank disclosures of information to consumers, here are the facts. Documents are available. On XXXX XXXX XXXX, I received my monthly credit card bill from Chase Bank, a Delaware XXXX that does not make its physical headquarters location easy to find on its large website. That bill included a charge dated XXXX XXXX XXXX, attributed to XXXX XXXX, for {$900.00}. That line of the bill reads : Transaction Date Post Date Description City/Phone State Amount XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FL {$900.00} Properly formatted, that phone number becomes XXXX XXXX XXXX, and when I called that number, it was answered by a woman who identified the business as XXXX XXXX XXXX XXXX XXXX, Florida. I had most recently stayed at that hotel in XXXX, checking out on XXXX XXXX XXXX and the proper bill was {$900.00}. That bill was full paid ( and Chase reflected it as fully paid on time ). The hotel person explained that this had happened to a number of guests and that their Accountant was looking into it. I disputed the charge by filing an online dispute with Chase that same day, XXXX XXXX XXXX. Some of XXXX records reflect this charge as an Online, Mail or Telephone charge. I have directed, on this Chase account, to be notified of such charges when they are made, and regularly receive email notification of our online, mail, or telephone charges made to this account. During XXXX and XXXX XXXX, I did receive such charge alert emails. But no such email alert was provided by Chase for this {$900.00} invalid charge dated XXXX XXXX XXXX. That resulted in me not learning of this false charge of XXXX XXXX XXXX, until the bill arrived on XXXX XXXX XXXX. I have confirmed that another guest of that hotel who checked out that same day in XXXX was also invalidly billed, in XXXX or XXXX. On the evening of XXXX XXXX XXXX I called XXXX again to ask why they had not notified call center employees of this over-billing fraud. At first, I got got XXXX XXXX # XXXX, who referred me to XXXX XXXX who declined to say whether XXXX knew of this problem before my call, but I asked her ( and she agreed ) to note my information on XXXX XXXX at XXXX XXXX XXXX, and my fear that a lot of other people might be affected. I wrote ( by email ) on XXXX XXXX XXXX to the Accountant for that XXXX XXXX at the address provided by a staff member there, with a number of questions, but as of today, I have not received any response by any method from that Accountant or that Hotel, which is a part of the XXXX XXXX chain. On XXXX XXXX XXXX I checked my Chase credit card account online to see if this invalid billing had been corrected and the online information stated that there was a Return of {$900.00} on XXXX XXXX XXXX, but that it was not posted until XXXX XXXX XXXX, and again falsely identified this transaction as an online, mail or telephone transaction. I request that : 1. If you are the law enforcement agency with jurisdiction over false interstate credit card billing, you record and follow up on this complaint. 2. If you are not the law enforcement agency with jurisdiction over false interstate credit card billing, that you provide specific information ( Agency, office, physical and email address, and phone number ) of the law enforcement agency that does have jurisdiction over this false billing. 3. That you require that any bank or credit card issuer provide, upon request by any customer, the specific information described above about the law enforcement agency or agencies which have jurisdiction, and which will receive, record, investigate and acknowledge such reports. Merchants, banks and credit card companies who do not report such events to relevant law enforcement agencies and who impede or prevent consumers from doing so are contributing to the prevalence of credit card crime. Whatever the resource limits on law enforcement agencies, they can not even record, let alone investigate false billing crimes unless they receive reports from affected consumers, and unless they are alerted to investigate the merchants and banks involved. Sincerely, XXXX XXXX XXXX, XXXX. Consumer | ||||||
| 06/01/2020 | Yes |
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| On XX/XX/2020, I bought an online course from XXXX XXXX XXXX. Unfortunately, They didn't deliver the product and I could not get in contact with the merchant, so I did a Claim for the amount ( and got the money on XX/XX/2020 ). However, The merchant corrected their problems and my online course was delivered. I did a claim reversal at that time, so the merchant would get paid. On XX/XX/2020 money was drawn from my checking account. I am very disappointed since the money has not come to the merchant yet, and my course/account account at the merchant has been locked due to course not paid. To resolve the problem I have been in contact with Chase Bank, Claims department on multiple occasions and done everything they have told me to do. Promises has been made from Chase Bank ( that has not been kept ) and nobody at Chase Bank, Claims department wants to solve this issue and only put blame the merchant. Transcript from my checking account ( ... XXXX ). XX/XX/2020 XXXX XXXX XXXX - {$130.00} XX/XX/2020 Reversal : XXXX XXXX XXXX {$130.00} XX/XX/2020 Claim reversal : XXXX XXXX XXXX - {$130.00} I have been told that the Merchant will get their money on XX/XX/XXXX, and on XX/XX/XXXX ( This date does not seem to be correct ). On XX/XX/XXXX and XX/XX/XXXX I was promised that I would have a mail sent home to me that would show that money had been confirmed by the Merchants bank, but no mail was send from Chase Bank ( Confirmed on the call to Claims on XX/XX/2020 by Claims manager on the phone ). On XX/XX/XXXX, I was on call with a Manager on Claims department that said that VISA confirmation number ( XXXX ) would prove that money was received by the XXXX XXXX ( They still can not find the money ). So far I have spent close to five hours on the phone with Chase Bank, Claims. Contact with the merchant is sent to XXXX XXXX : Why is it not possible for me to pay a new course? Contact photo From XXXX on XXXX XXXX Details Plain text Hello XXXX, Could you confirm concrete date please? Friday, XX/XX/2020, XXXX XXXX, you wrote : I canceled first and then told my bank to send the money again and my bank says your bank has received the money that was sen XX/XX/XXXX or XX/XX/XXXX ( I dont know why my bank has given me two different dates ). Best, XXXX XXXX XXXX ( XXXX ) XXXX On Fri, XX/XX/2020 at XXXX AM XXXX, XXXX wrote : Re : Why is it not possible for me to pay a new course? Hello XXXX, We can only confirm that the Chargeback was net cancelled from your side! Friday, XX/XX/2020, XXXX XXXX, you wrote : Hi, I am sorry, but I do not understand what you mean. Best, XXXX XXXX On XX/XX/2020, at XXXX XXXX, XXXX XXXX XXXX wrote : Okay, Then I have to do a fraud claim since VISA state that money is received by your bank. I will keep you updated. Kind regards, XXXX XXXX On XX/XX/2020, at XXXX XXXX, XXXX wrote : Re : FW : Why is it not possible for me to pay a new course? Hello XXXX, We can't reactivate the product till status of the charge will not be changed to " Withdrawn Chargeback ''! Wednesday, XX/XX/2020, XXXX XXXX, you wrote : Hello, Since this is a VISA transaction then there is no screen shoots to send, but if you can not find the transaction then I will open a fraud case with VISA so they can look into this missing transaction. I paid and VISA held the money for over a month before they sent the payment to you and I can not get printouts on VISAs transactions. And I have already sent screen shoots of the transactions from my account XXXX more than once ). Kind regards, XXXX On XXXX XXXX, XXXX wrote : Hello XXXX, Could you please provide us with all screen shots associated with the charge 's status you can? Tuesday, XX/XX/2020, XXXX XXXX, you wrote : Hi again, I just came off the phone with my bank. They state that VISA did send funds to you and this is VISAs confirmation number for that transaction. ( XXXX ). The amount is {$130.00} sent in to your account. Kind regards, XXXX XXXX On XXXX XXXX, XXXX wrote : Hi, Your account was locked because of Chargeback initiated from your side and associated with your previous CISSP Bundle. " Chargeback '' means refund without our participation. To reactivate account you'll need to compensate amount of Chargeback - {$130.00} USD Tuesday, XX/XX/2020, XXXX XXXX, you wrote : Customers account marked as frauder, and he is looking to buy Admin : XXXX : XXXX Best Regards XXXX support Team XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/2020 XXXX XXXX To : XXXX Subject : Why is it not possible for me to pay a new course? Hi, I really want this course and my bank seems to have problem sending the paper that show a payment to you on XX/XX/XXXX from XXXX XXXX. My idea was to purchase it again and hunt my bank down while XXXX study, but I have tried more than once and it is not possible to pay. Have you locked my account? Kind regards, XXXX -- Best regards, Info mailto : XXXX -- Best regards, Info mailto : XXXX -- Best regards, Info mailto : XXXX -- Best regards, Info mailto : XXXX -- Best regards, Info mailto : XXXX XXXX | ||||||
| 03/06/2018 | Yes |
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| Dear CFPB, PROBLEM : THE PROBLEM ISN'T THE PROBLEM. THE PROBLEM IS CHASE BANK 'S ATTITUDE ABOUT THE PROBLEM. CHASE BECAME PART OF THE PROBLEM WHEN THEY ARE SUPPOSE TO BE PART OF THE SOLUTION. CHASE BANK left {$18000.00} in my XXXX XXXX XXXXXXXX trading account when I requested a legitimate dispute to have the money returned to my CHASE BANK DEBIT account. I earned over {$210.00} XXXX dollars in trading at XXXXXXXX XXXX XXXX. I am owed allot from XXXXXXXX XXXX XXXXXXXX in my trading account it is just sitting in my account which is already earned money just left in my XXXX XXXX XXXX account. It was suppose to be disputed by a NON REG XXXX and submitted through XXXX digitally over XXXX 'S SYSTEM. CHASE was suppose to have XXXX CONTACT XXXX XXXX XXXX which is the people who charge 's CHASE 'S DEBIT CARD to place money in my account at XXXX XXXX XXXX to trade. The Market didn't take the money so I am owed here I take what I make. CHASE EXECUTIVE OFFICE DIDN'T ASK FOR THE MONEY TO BE RETURNED TO ME AND THEY DENIED MY MONEY TO ME UNLAWFULLY. XXXX a former employee for CHASE IN THE NY OFFICE told me the Bank can not decide if you win or lose a dispute. The bank still has to submit it to get it and you don't get what you don't ask for. XXXX works for XXXX now and she got my {$4000.00} back from XXXXXXXX XXXX XXXX XXXX XXXX DEBIT CARD did their job and they said, I was backed by XXXX 100 % and VISA knows the situation because they did this to hundreds of people. XXXX XXXX the oldest charge on XX/XX/XXXX and they said, XXXX XXXX XXXX gave them the green light and said, for it to be a permanent credit. XXXX XXXX said, it has to be treated like an AIRLINE TICKET. For example : I paid on XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX was suppose to deliver my $ XXXX XXXX dollars on XX/XX/XXXX. XXXXXXXX XXXX WENT BY THE DATE THE SERVICES ARE TO BE DELIVERED AND THEY WERE NOT DELIVERED FOR NO SERVICES RENDERED. XXXX XXXX XXXX needs the principle money to trade in a 100 % managed account to make the {$210.00} XXXX dollars FROM XXXX TO XX/XX/XXXX. I lost communication with XXXX XXXX XXXX in XX/XX/XXXX and I had $ XXXX in principle, $ XXXX in Bonus and $ XXXX plus dollars in my trading account. I need to collect on the {$210.00} XXXX dollars of earnings that is left in my XXXX XXXX XXXX account. CHASE COMPLAINT : My complaint against CHASE EXECUTIVE OFFICE made allot of frivolous excuses not to recover my money. They simply disserviced me all the way GROSS NEGLIGENCE and they were simply OBSTRUCTING ME FROM GETTING MY {$18.00} XXXX DOLLARS PRINCIPLE. CHASE DID NOT DO THEIR JOB AT ALL. I was put through allot of uncalled for and unessary Bank baloney for nothing. Here is an Analogy : If CHASE was a life guard at a swimming pool and someone was drowning and CHASE had a life preserve ( the foam ring ) to throw in to save a drowning person. CHASE made silly stupid excuses not to throw it in to save the drowning person. CHASE LET MY {$18.00} XXXX DOLLARS DROWN FOR NOTHING BUT for frivolous and STUPID EXCUSES. By NOT submitting my dispute to XXXX WHICH ALREADY AGREED WITH ME 3 TIMES IN 2 XXXX DISPUTES AND 1 XXXX IN THIS SAME TYPE OF DISPUTE already IS DELIBERATELY AND MALICOUSLY LETTING MY {$18.00} XXXX DOLLARS DROWN FOR NOTHING. This is UNFAIR BANKING AND ILLEGAL. I DIDN'T GIVE {$18.00} XXXX DOLLARS FOR CHASE AND XXXX XXXX XXXX TO RUN OFF WITH TO RIP ME OFF. WHEN I SAY MALICOUSLY CHASE is well trained to get my money back and they didn't and XXXX XXXX AND XXXX said, they encountered no resistance from XXXXAL BANK MXXXX. I also feel that CHASE COULD OF STOLEN THE MONEY FROM ME. This is why I think they put every road block and excuse not to recover my money for me. Here is the law : US CODE OF FEDERAL REGULATIONS VOL. 16 SECTIONS 255 & 436 WHICH STATE : " A PRODUCT OR A SERVICE MUST BE EXCHANGED FOR MONEY RECEIVED '' By Law I get the PRODUCT OR MY MONEY OR THE SERVICE OR MY MONEY! SINCE THERE IS NO EXCHANGE OF ANY PRODUCT OR SERVICE I GET MY $ XXXX THE LAW IS BLACK AND WHITE. WHAT WAS EXCHANGED FOR $ XXXX? NOTHING SO I AM OWED $ XXXX FROM CHASE. NO PRODUCT OR NO SERVICE = NO CHARGE. NO PRODUCT OR NO SERVICE =FRAUD= TRICK AND I AM NOT LIABLE FOR ANY FRAUD OR TRICKERY IN CHASE BANK. IN THIS CASE FINANCIAL SERVICES MY $ XXXX IN MY ACCOUNT I AM LEGALLY ENITTLED TO. XXXX {$18.00} K! I WAS SUBJECT TO FRAUD FINANCIAL SERVICES FROM BOTH BANKS. I DON'T OWE ON DECEPITVE BUSINESS PRACTICES. IT IS ILLEGAL TO CHARGE ME $ XXXX FOR NO PRODUCT AND NO SERVICE! I GOT NOTHING FOR THE $ XXXX SO I AM OWED $ XXXX BY CHASE. IT IS ILLEGALL FOR THEM TO LEAVE $ XXXX IN CHARGES ON THIS ACCOUNT FOR NOTHING. ANY DECEITFULL BUSINESS PRACTICES ARE DISMISSED IN COURTS. A DECEITFULL DEAL IN NO DEAL AT ALL. PLUS I AM LOSING THE COST OF MONEY I EARN 20 TO 30 PERCENT ON MY $ XXXX A MONTH IN TRADING PLUS MONTHLY COMPONDING ON THE NEW MONEY. IT IS VERY SIMPLE I EITHER GET MY $ XXXX OR MY FINANCIAL SERVICES. SINCE NO FINANCIAL SERVICES WERE RENDERED I GET MY $ XXXX AND THE LAW CAN'T BE IN CONFLICT WITH ITSELF WITH BOGUS BANKING REGULATIONS. | ||||||
| 09/18/2017 | Yes |
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| This is very late actually but I have n't taken any action in 3 years. I turned XXXX on XX/XX/2014. A few years before then my family had gotten into a car accident and we won our settlement so my settlement check was held at Chase Bank until I was of legal age to open my own bank account. Around XX/XX/2014 I opened my first and only bank account and of course went crazy with my settlement money. Got my first car and everything else not needed. Anyways, my apologies if I drag my argument. I was a naive, new to the adulthood kind of girl and tried to experiment with XXXX XXXX which ended with me getting scammed and I was unaware of me participating in fraudulent activity. They had sent me a check for {$2500.00} from a made up company in New York stating it was for XXXX and such for the XXXX XXXX. I do not remember every detail of names or any other info but long story short they requested that I deposit the check into my bank account with Chase then when funds were available, I was asked to withdraw the whole amount of {$2500.00} and put them into XXXX XXXX. Not seeing the fraudulent warnings on the back of the XXXX XXXX until it was already too late. I sent the codes to whomever I was communicating with during the entire transaction. I do not remember any names or other info but I had filed a police report after it was clear what had happened. I want to note that the check was impressive and believable even to my mother considering I questioned about the check the day it arrived ( exact dates are unknown ). My mother curiously took my happy self to Chase Bank and we asked the teller at the desk if the check was real and without management 's help she stated " The funds for this check should be available tomorrow '' without worry or concern. The teller, employees, or any associates with Chase Bank are not responsible for the fraudulent activity, I still hold myself entirely responsible for the transaction that occurred starting with the deposit to the withdraw. I 'd guess that the check bounced within 24 hours after the withdrawal. I suspected that I was getting scammed during the XXXX XXXX code transfer with the scam artist. I had sent the codes while he was persistently demanding we hurry the transaction. I had 2, {$1000.00} XXXX XXXX and 1 XXXX XXXX for {$500.00} therefor, 3 XXXX XXXX total. I hurried to cancel the {$500.00} when I read the warning about fraud on the XXXX XXXX. I successfully cancelled the {$500.00} but the scam artist got to the {$2000.00} in enough time. I had an officer come to my house 20 minutes after the transition had taken place ( in my residence ) and all communication with me and the scam artist were and still are lost permanently. I explained to the officer every detail but he could not help considering all communication, names, addresses, emails, and any other info that was used from the other party was suspected false. Considering fraud happens everywhere there was nothing the officer could do and I was responsible to take any further action against my case. There was little hope for me even if I were to take Al necessary steps to argue against me being held responsible. I went to Chase Bank the next day after school to try to settle what I could after explaining I filed a report with the police ( still not sure if there was a report written ). I desperately asked about all of my options but there was nothing I could do. Learning to act as an adult I had agreed to hold myself accountable and take responsibility for my naive acts and any balance that I was required to pay. The {$500.00} I had thankfully saved was brought with me to Chase Bank which I handed them to deposit into the overdraft account. Still leaving me with {$1000.00} in overdraft fees, I had agreed to take responsible action on the fee present and possible late fees in the future by paying all off until the account balance was back to XXXX. I had moved on since never looked for a lawyer or took any further steps yet. I have a bill from XXXX XXXX that the total overdraft fee I owe for my closed account is {$2000.00}. I never set up appointments with Chase to make payments towards the balance within the 3 years it 's been overdue. Me being unstable and having such bad luck is still no excuse for never taking any possible action. I apologize for this outstanding statement and/or any unneeded details that you had to read today but I hope that you understand and can help me seek my options on what to do and how to contact Chase Bank with or without a third party. Assuming that this complicated transaction may still leave me vulnerable to other options and lucky possibilities to settling my overdrawn account without damaging me or my credit any further. I still can not open a bank account for who knows how long even second chance bank companies wo n't approve me. Due to my bad credit, financial history and my unstable living at this age, I am EXTREMELY limited to almost everything I am losing hope in any future possibilities. Thank you very much for reading and sorry for any inconvenient details. | ||||||
| 02/25/2022 | Yes |
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| On XX/XX/2022, I and my partner, XXXX XXXX, opened a checking account at the Chase Bank branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was the first time we had chosen to combine our funds. We opened the account with XXXX XXXX, a private client banker, XXXX ID : XXXX. The process took about a half an hour and we provided all the documentation that was requested. A few days later, we received our debit cards. I activated mine and I don't believe XXXX activated his. On XX/XX/2022, I went into the branch at XXXX XXXX XXXX XXXX XXXX, in XXXX, XXXX, to deposit a large check. I went into the branch because I wanted to know how long the bank was going to hold a large item. When I got to the teller, she told me that she couldn't make the deposit because the account was restricted. She then said that no one in that office could help me because " we have no bankers here. '' I was confused. " This isn't a bank? '' " Yes, '' she said, " it is, but we don't have any 'bankers ' who can help you. '' She then gave me a yellow Post-It with the address of another branch at XXXX XXXX XXXX XXXX. in XXXX, along with their telephone number. I didn't understand what was going on, so I download the Chase app, logged in, and got the message, " We locked your account due to suspicious activity '' with a phone number to call. I call, and I'm told that the wait time is more than XXXX minutes. So I call the branch at XXXX XXXX XXXX XXXX. The woman who finally answers, after XXXX attempts of calling, was not helpful. She told me that I needed to go online to make an appointment to see a banker at her branch. I told her what had happened and she was not in the least bit concerned. Finally, when I persisted, she tried to look the account up. She couldn't find the problem, because the account had no notes on it. Yet she noted XXXX 's surname and commented, " he probably was flagged because of his name. '' At the moment it seemed so preposterous that I overlooked it and kept trying to find out the source of the problem. We had opened the account in person, presented our identification, were given debit cards and our initial deposit accepted and no one had notified us that there was a problem. What was going on? I was doubly concerned because we were buying a piece of property and I needed to deposit the check so it would clear in time to be drawn upon when the time came. So I called the branch where we set up the account. And I called. Repeatedly. For XXXX hour. No one answered the phone. I didn't remember that I had the " banker 's '' card in my wallet, so I found him on XXXX and messaged him. XXXX XXXX responded quickly, stating that when he looked up our account, it showed suspended but with no notes, but he would look into it first thing the next morning. And he did. He called me and said that the problem wasn't with me, but with XXXX. I thought that was strange, but asked XXXX to call him. Within 5 minutes, I got a call from XXXX. He told me that Chase wanted him to walk his original Social Security card into the branch by XX/XX/XXXX ( XXXX days ) or they would close the account. He had asked XXXX if he could email a copy or send a paystub or tax return and was told no. The original, in person, or they would close the account. I called XXXX XXXX back because I thought it was so odd. I was hoping that I could get more information. The super-chatty guy who set up our account was very different. He said, " he can bring it in or we close the account. '' I said, " If you needed something from us, why didn't someone reach out to us. '' He said that a letter was send, but we never received it. At this point it was a Tuesday and they wanted this by Thursday -- during banking hours. I tried to explain that XXXX works in XXXX, XXXX, and that he commutes 1 hour each way and could not come into the XXXX branch until XXXX. " The account will be closed, '' he said. That was his answer to all my questions. There was definitely something else going on. In retrospect, I'm relieved that we learned this about Chase before going down the path of using them for our banking and financing needs. However, no one in this scenario behaved even remotely professionally. As a result, I wasted close to XXXX hours of my work time trying to sort this out. From the branch that has no " bankers '' to the branch that send you away to make an appointment online, to the " banker '' who suggests ( probably truthfully ) that my partner was racially profiled, to the " banker '' who opened our account and didn't follow through to notify us that there was an issue, everyone dropped the ball and no one accepted responsibility. If, in fact, my partner was racially profiled, which my XXXX tells me he was, why did the branch even accept our application to begin with? What if we, like many people, needed this account to pay our bills and it was suddenly frozen for some arbitrary reason. XXXX the " suspicious activity '' that cause our account to be locked? Banking while XXXX? I would really like to know. It's all a little XXXX. | ||||||
| 03/06/2019 | Yes |
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Web | |
| was one of the victims that got scammed from a scamming online education " mentorship '' business, call " XXXX " Ive used 5 different credit cards to pay for it up for this diamond rank investment as their affiliate. Chase was one of the cards I used to repay for this. I had done everything as guided before had to do the disputes. I first called Chase, then I wrote them a detailed letter provided and explained my case. Ive done the same for all other credit cards as well. ( All these other creditors have given me permanent credit back months already as im writing this, and I have proofs attached ). First Chase denied my dispute. Their only reason was the merchant wasnt recognizable.. And thats it. Nothing else. I asked, if the merchant wasnt recognizable, isnt proving my dispute is rationally correctt?! Theres something wrong its why the Merchant went disappeared. The charges still there on my statement, but Chase only reason was the merchant wasnt recognizable and pretty didnt know what else to say to me. I asked whats that mean? They seemed clueless to even know what that mean..and pretty much just shut me out at that time. I called again, and spoke to someone else and that person put me under the wrong department this second time. They put me under fraud department this one is for people who got their card stolen or an error on a charge, or got a charge on their statement without their consent. My case wasnt about this. I called to DISPUTE that the company/services were said to be scamming people. So the charge was fine bc I was trying to prove that I prepaid these charges. I was only disputing the services/products werent there!!! So after 2 months, Chase used this reason to deny me saying theres no error on the charge. Then I found out that bc they put me under the wrong department. And they didnt want to do anything else to help me. I then called again and asked to speak to the DISPUTE team this time.. I had to send in my dispute letter again, and documents ..and kept calling them..again..everytime was a different reason for they wont do anything with my case and pretty much they dont care. Back and forth back and forth ..all the lame excuses to deny me. Nothing made sense. I waited for weeks, then called again and talked to someone to make sure and again and again explained my case. The people who answered the phone seemed to understand my case..my story at the time, seemed to feel sorry for me..but everytime..they have no authority to do anything..they can only forward my case to someone in the back office. Then weeks later, i got a letter and they again denied me and said they never got my documents ( as i never sent them. Denied me also bc they " found no error on the charge ''. I called again, telling them ive got proofs here that ive sent all those documents in, not once but 2,3 times..sent more than what theyve asked and needed from me. Then i wrote them another letter again..send in all documents again, very very frustrating..I called again, asking to speak to a manager. He could only keep saying that they found no error on the charge. I again explained it wasnt about the charge that I said there was an err. I NEVER DID! it was like he talking to me as im 3 years old and cant read or he doesn't even care to read my letter. They always say they read but i dont think they care. Ive also reached out to the corp office. A lady name XXXX, said she'd create a new case for me. And gave me her phone number and said I could call her if i need to speak. Its been over a month, I havent seen a case created sent to my house or even in my account inbox. I tried to call her a few times last week. NO ANSWER! NO CALL BACK! I feel as if ive been being treated as a criminal instead of the merchant who's scamming people including me. Everything has happened w my case looks like Chase is just throwing me non sense excuses to defend the merchant but protecting me, helping me who are their customers. I feel discriminated. I have many colleagues, and myself that already have gotten permanent credits back from all other creditors, but Chase Bank! i feel discriminated and the way Chases dispute team been treating me is like they have violated my consumer right as well. Im asking CFPB to look into my case and make things right for me. Its been 5 months ive been dealing with this. Its morally wrong how Chase is treating their customers in my shoes. Its pain for people like me. we've lost so much from being scammed by these merchants, then being treated like this by our bank is something un-human. Ive attached : 1 ) my first dispute letter, 2 ) more detailed letter 3 ) last letter ( much more detailed ) 4 ) Chase letter to me ( their reason has nothing to do with the reason i disputed for. 5 ) contracts/agreements 7 ) Mobe compensation plan 8 ) FTC-complaint vs mobe 9 ) proofs Mobe sites NO longer exist! 10 ) ) proofs of permanent credits from a few other creditors helped me get full credit back 10 ) Proofs others people got their full credit back from their creditors, INCLUDING CHASE. | ||||||
| 11/21/2020 | Yes |
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Web | Older American |
| PLEASE, PLEASE READ CAREFULLY AND HELP US RE : Mortgage Title Company and Bank Error Causing Personal Devastation and Could Result in the Loss of Our Home. Parties involved in complaint : 1 ) XXXX XXXX XXXX XXXX, A XXXX XXXX XXXX XXXX ; (XX/XX/XXXX), successor to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 2 ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 3 ) XXXX XXXX XXXX XXXX ( XXXX XXXX ). 4 ) JP Morgan Chase Bank, N.A. ( Chase ), successor to Washington Mutual Bank, FA ( WAMU ). 5 ) XXXX XXXX XXXX, d/b/a XXXX XXXX ( XXXX ), successor to Mortgage Electronic Registration Systems ( MERS ), successor to XXXX XXXX XXXX . ( XXXX ), successor to XXXX XXXX ( XXXX ), successor to XXXX XXXX XXXX XXXX XXXX An Arizona Corporation ( XXXX ). 6 ) XXXX XXXX XXXX, A XXXX XXXX XXXX XXXX ( XXXX XXXX/XXXX ), successor to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Parties involved, but no longer in business : 1 ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 2 ) Washington Mutual Bank, FA ( WAMU ). 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 4 ) XXXX XXXX ( XXXX ). This issue is regarding our lengthy and unsuccessful efforts for correction of a major error in title that occurred at the closing of a refinance of our home in XXXX by XXXX XXXX and the bank at that time, WAMU. They failed in their duty to cause our new mortgage Deed of Trust to be filed in the Arizona XXXX County Recorders Office in valid 1st position, free from liens, encumbrances, easements, encroachments and other title matters as required by the Specific Closing Instructions of Chambers. They neglected to obtain the proper documents required and the previous loan was never released or closed. These failures created a chain of events that have resulted in catastrophic financial damage for us and could result in the loss of our home. XXXX XXXX, in all documents ( see attached ) certified, and guaranteed they had obtained the Deed of Release and Reconveyance releasing the WAMU Deed of Trust and closed the account as requested in all closing instructions. In reality, these commitments were not fulfilled, leaving the old WAMU Personal Equity Manager Home Equity Line of Credit Agreement open and in 1st position. Over the years of the banking chaos and closures, that WAMU loan account resurfaced and has blocked our efforts of refinancing that would allow us to save significantly with lower interest rates. This error in title is causing devastating loss for us. We have fought this battle for years, since it was discovered in XXXX with our first failed refinance attempt since the XXXX XXXX refinance, but to no avail. Please refer to the attached supporting documentation and chronological list of events for a detailed description of what transpired. Please, review every detail carefully. We need your help. We have contacted all parties involved multiple times by phone, email, and correspondence. We filed appeals with XXXX XXXX/XXXX ; they are unwilling to assist us stating the Title Policy we purchased only protects the lender, not the borrower. Our mortgage company, XXXX, filed a title insurance claim with XXXX XXXX/XXXX ; they did recognize the title chain error but deny the title insurance claim unless we default on our loan, even though the policy insures the XX/XX/XXXX loans Deed of Trust to be a valid 1sts position lien, which it is not according to Arizona date of filing law. We filed a claim with the XX/XX/XXXXXXXX XXXX. They said we have a very good case for a civil lawsuit. We consulted four different attorneys and hired XXXX XXXX XXXX, XX/XX/XXXX. of XXXX XXXX XXXX to represent us in negotiation efforts. Mr. XXXX fought for us and our case for two years, but with no success. We are a very hard-working middle-class couple quickly approaching our retirement years ; ages now XXXX and XXXX. Our hands are tied and our future uncertain because of the error made in title by the experts at our XXXX refinance that was closed through XXXX XXXX. Through no fault of our own, we are now unable to refinance our home for a substantially lower interest rate which would have allowed us the funds needed to pay down the loans. Those windows of opportunity have now closed. XXXX XXXX error has placed our mortgage in jeopardy, and no one will touch our loan because of the unclear title. We have ALL documentation proving XXXX XXXX and WAMUs mistakes. We have all closing documents of the XXXX XXXX refinance. We have copies of correspondence, emails, phone conversations, claims, and their responses. We can, and will, provide anything needed to help resolve this issue. We realize this is lengthy, containing many documents and a great deal of information. But we implore you to please read every word in order to fully understand the chain of events that led to this calamity. It is vitally important in our efforts to save our home. We have attached a chronological list of events, with descriptions of each event, along with supporting documents. There are 4 separate files attached totaling 69 pages. We greatly appreciate your assistance. | ||||||
| 10/15/2020 | Yes |
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Web | |
| Dear Resolution Team : I write with great frustration at the Chase Policy on overdraft fees that has been used on my account in a very deceptive manner. I am not against Overdraft fees. Over the course of the last 5 years, I have paid Chase over {$4000.00} in overdraft fees because of my XXXX due to failing XXXX that have prevented me from getting a regular paycheck and caused my earnings to be very non-linear. However, I have an issue with how overdraft fees are charged and whether the policy is applied in a fair and reasonable manner. I provide below a detailed analysis of how this particular set of overdraft fees were charged on this account by manipulating the timing of transactions and amount to sheer deception. Due to the high amount of overdraft fees that I have been paying over the last few years, I make it a point to check my account at XXXX EST to make sure that my account is not overdrawn and so that I can transfer money from my other Chase accounts or use XXXX with external accounts to cure the overdraft. This is exactly what I did on XX/XX/2020. I checked my checking account ending in XXXXXX at XXXX EST on XX/XX/2020. At the time my account was overdrawn by slightly more than {$50.00} due to two transactions that posted to my account earlier that day. These transactions were as follows : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$17.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$39.00} I cured this overdraft by XXXX on that same day by transferring {$65.00} from one of my other Chase accounts. Note that the cutoff time to cure overdrafts is XXXX. Online Transfer from CHK ... XXXX transaction # : XXXX Account transfer {$65.00} At XXXX EST, my account was in the black and it was not overdrawn. Note that the cutoff time per Chase policy for overdraft fees is XXXX XXXX. So somewhere between XXXX XXXX and XXXX XXXX Chase cleared a check I had written for {$470.00}. How the system chose this time is anybody 's guess - it was to maximize overdraft charges. CHECK # XXXX | See details of this check XXXX Check {$470.00} Note that this transaction was cleared right before the cutoff time and gave me no time to cure the overdraft. I suspect that the transaction was cleared with less than 15 minutes to the cutoff time just so that overdraft fees could be charged to my account. On the morning of XX/XX/2020, I log into my account and lo and behold, my account is overdrawn by $ XXXX. Overdraft fees of {$100.00} have been charged on all three of the above transactions and the timing of my transactions have been redone so that the {$470.00} check appears first causing all the three transactions to be overdrafts while the {$65.00} that I used to cover two of the overdrafts has been thrown to the wayside. How is this fair practice? I spoke with XXXX a supervisor at Chase who agreed to all of the above but when I asked him if I thought this was a fair practice he refused to answer the question and instead kept talking to me about Chase policy that processed the largest amounts first. Here is the problem. There is no clear indication of when Chase does this. They seem to do it at their discretion. Many times before, a check that I wrote has shown up as a " Pending transaction '' and has given my time to cure the overdraft so that I am not charged the fees. In this case, the Chase policy claim is that with checks and ACH transactions " anything '' can happen, per the Supervisor XXXX. It can show up as " Pending '' or it can directly clear all to my detriment and to the benefit of the bank. The check could have been cleared by Chase by XXXX that same morning or the next morning. But it was timed so that my account would go into overdraft mode and generate overdraft fees. Chase claims that they provide all kinds of tools - SMS alerts - and the like to manage my account. But how is one supposed to cure an overdraft with 15 minutes to spare even if you were to get an SMS alert. For the record. no SMS alert was sent. On asking about this, the claim is that SMS alerts are only sent to XXXX phones. So if an Overdraft occurs at XXXX, XXXX has until XXXX to cure it else one is charged the {$34.00} Overdraft fee and with the manipulation of the timing of transactions, additional overdraft fees as well. Keeping the overarching discussion of whether Overdraft fees are fair or not out of this discussion, I would like to point out that this application of Overdraft fees is completely malicious, fraudulent and designed to deceive me out of {$100.00}. I have swallowed Overdraft fees without a hiccup whenever I have seen it to have been my fault. But in this case, I am unable to swallow this sheer deception and malice. I am hoping that CFPB can help me to resolve this issue and help me reverse these overdraft charges to my account. I would like a copy of this complaint sent to - Chase Executive Office, XXXX XXXX XXXX, XXXX TX XXXX. Of course chase doesn't make it easy to complain either. There is no phone number or email for this address. | ||||||
| 08/19/2021 | Yes |
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Web | Servicemember |
| I am writing a complaint against Chase Bank for an unauthorized transaction. The item XXXX for {$1000.00} on XX/XX/XXXX, is inaccurate and fraudulent because I did not authorize this transaction. I have reached out to the vendor XXXX and have also made 3 separate dispute claims with Chase ( spanning 2 months ) that have all been rejected without adequate explanation or reasoning. To provide background, I had initially ordered 2 plane tickets ( for myself and my husband ) for a flight through a 3rd party travel vendor, XXXX. The 2 tickets totaled out to {$1000.00}. When I placed the order, I received a text directly from Chase Fraud stating that the charge was declined and that I should reply Yes or No if the charge was made on our end. If the answer was Yes, the text clearly stated, If yes, you will not be charged unless you try again. And if the answer was no, the text stated, If no, we will close your current card and send you a new one. I answered yes and assumed that the flight would not be charged due to what the Chase Fraud text clearly stated. However, being concerned with the potential for fraud, I then decided to purchase the tickets directly through the airline and not a third-party vendor. I ended up purchasing 2 separate tickets for the same exact flight with the actual airline. However, regardless of the initial charge not going through, it appears that the 3rd party vendor took it on their own prerogative to again charge the {$1000.00} without my explicit authorization, as I never went back to reorder through the XXXX site after the initial decline from Chase. I believe this is clearly a case of a fraudulent charge or an unauthorized double charge, as I never placed this second order on my end, and the first charge was denied by Chase. I reached out to XXXX to ask what happened and also requested a refund as I did not make the purchase. Their response was that it was a valid purchase and they would not be giving me a refund since Chase bank approved the transaction. I then placed an initial dispute complaint with the Chase dispute department on XX/XX/XXXX. After waiting a week without a response, I called Chase on XX/XX/XXXX. The first person I spoke to sympathized with me and repeatedly said it wasnt my fault. He then escalated it to his supervisor who rejected my dispute over the phone and redirected us to the fraud department. After reading the rejection letter, I realized she didnt understand the situation properly and kept saying Chase had to follow XXXX return policy. Her documentation & assessment of the incident was completely mischaracterized and not reflective of the actual events as I summarized above. Regardless, their stance ultimately does not make any sense as that transaction was not authorized by myself, the cardholder. Additionally, it does not seem logical why would I or Chase have to adhere to the policy of a vendor that charged us fraudulently. After filing a second complaint now with the Chase fraud department on XX/XX/XXXX, the charge was initially credited back. However, on XX/XX/XXXX, the charge was added back on. I again called Chase to dispute and was told by XXXX from the Chase recovery team that this in fact wasnt fraud as I placed the initial transaction with the vendor. After explaining the situation again to him, he also sympathized with my situation. He then redirected me to the merchant dispute department which appears to be the dispute department that I originally spoke to and was advised to place another dispute claim which was placed on XX/XX/XXXX. This last investigation took a month to conclude ( on XX/XX/XXXX ) which they stated was valid again without providing any written proof or justification. The dates of the flights have passed and I would like to emphasize that I did not receive services from the company ( XXXX ). The services I received were from the actual airline company ( XXXX XXXX ) from which I directly bought tickets after I received the fraud alert. This charge is fraudulent and inaccurate as the charge I authorized was declined by Chase and the charge that appears on my statement was not authorized by me. Additionally, as Chase has reopened the charge for this amount, I continue to accrue interest ( 15.99 % APR ) and my credit score is being affected for this outstanding amount of {$1000.00} that ultimately is fraudulent and erroneous until this situation is resolved. Im also concerned that Chase continues to take such a long time to review the case as the interest from the erroneous balance continues to accumulate and the time from the erroneous purchase continues to stretch out. I am requesting your help in having this fraudulent charge removed from my statement and balance immediately, and that I am absolved from the associated interest from this fraudulent charge. I am extremely grateful for your help in disputing & resolving this matter, as this is a very upsetting situation where my rights as a consumer are not being protected by Chase. Thank you for your help in this matter. | ||||||
| 10/31/2021 | Yes |
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Web | |
| Good morning! I apologize for it looking like a giant wall of text but I had spaced this properly into paragraphs. Hopefully they do show up on your end, but if not, I am sorry. Originally, I planned a flight to the XXXX in XX/XX/XXXX to attend a wedding. I booked a flight from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ) using a combination of cash and Chase bank 's Ultimate Rewards Travel points to help reduce the cost. The total cost of the flight was {$450.00}. Of that, I paid {$360.00} in cash and I redeemed 11,554 points worth {$140.00}. Due to COVID, the wedding was postponed until XX/XX/XXXX. I requested to have the flight rescheduled sometime in XX/XX/XXXX and was given a credit by Chase Travel. On XXXX XXXX XXXX, I called Chase Travel to rebook the flight around XXXX that night after I returned from work. The rescheduling of the flight took 2 hours of being on hold and the representative admitted she was having problems with rebooking the flight but she told me she had success. The flight was scheduled to be from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I received an email that included the words " You have a confirmed and active flight. '' The flight would be Economy class through XXXX XXXX. I passed along the flight information and made arrangements with my boyfriend, who lives in the XXXX, to book the lodge where we would be staying after the wedding and a coach to and from XXXX. To the best of my knowledge, these were nonrefundable bookings and he would have lost money had the flight plans been changed. Time passes and I never received any further information from Chase Travel. I called them again around XX/XX/XXXX, where I received the booking number for the flight and was reassured again that the flight would be confirmed and active. I received 2 emails from Chase Travel that XXXX XXXX have changed the itinerary of the flight so that I leave earlier and arrive slightly earlier in XXXX. On XX/XX/XXXX, I walk up to the XXXX XXXX counter at XXXX ready to check in. My passport is scanned and I am told " Sorry, you don't actually have a flight, please call your travel agent. '' Angry, I contact Chase Travel. I was told, " I am sorry about that, you will have to rebook and pay out of pocket for the flight, we will reimburse you afterwards. '' I pay {$1900.00} at the last minute for a round trip flight through XXXX XXXX that leaves an hour later than the originally scheduled flight. On XX/XX/XXXX, I receive an email from Chase Travel that the flight through XXXX XXXX was cancelled. This was interesting, as I had never asked them to cancel the flight. I decide to enjoy the wedding and spending time with my boyfriend and worry about this situation when I came back to America. I contact Chase Travel on XXXX XXXX and I am told by XXXX the supervisor " They are still doing an investigation, you will hear back from us in 72 hours. '' I contact Chase Travel on XXXX XXXX ( a week later ) after not hearing from them and request a supervisor. XXXX the supervisor asks for copies of the receipt for the XXXX XXXX flight and the original email of the " confirmed and active '' flight. During this, she asks why I had not contacted Chase Travel sooner that XXXX XXXX when it became clear that I did not have a flight. I told her that any reasonable person would have assumed that an email stating you had a confirmed and active flight means what it says. She agrees and states that they will be refunding me the cost of the {$1900.00} flight but not the original {$450.00} flight. I ask why not both as I never received the service for the original flight and she does not give me an answer other than to say that I had cancelled it. I counter by saying that I never requested to cancel it and they should have recordings of the XXXX XXXX and the XXXX XXXX conversations. Again, I am not given an answer other than to say that I will only receive the {$1900.00}. She agrees that the entire situation was an agent error and I should never have had to book the XXXX XXXX flight to begin with. She ends the call by telling me I should have the money credited to my card within 72 hours after the escalation team finished their investigation. I check my email on XXXX XXXX and notice that Chase XXXX had sent me an email on XXXX XXXX to please contact them as soon as possible about the refund and to please request a supervisor. I call into Chase Travel once again and request a supervisor and I am hung up on. I call back and am connected to a supervisor, who again tells me the escalation team are still doing an investigation. I am given a case number and told I should have the money credited back to me within 72 hours. I believe I have given Chase Travel enough opportunities to be made whole, and would like to expedite the process. From XX/XX/XXXX to XX/XX/XXXX, it has been 16 days, with 10 of those being business days. This is no longer acceptable, especially as I was told by three different people I would be credited within 72 hours. Thank you for taking the time to read through my story. | ||||||
| 10/30/2023 | Yes |
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Web | Older American |
| For the last year I have had debit card and ACH fraud on my checking account that I have held with Chase Bank for at least six years or more. I have had little to no assistance in obtaining my stolen funds back or even getting the disputes filed. I constantly get passed from one representative to another sometimes even being a supervisor and them rudely hanging up during my explanation of why I am calling or what I am trying to have them help me with. They don't return calls when the call is " dropped '' and when I call back I have to reexplain all over again to be over talked or without notice transferred, or told to call back because the systems are acting up. Bottom line nothing is being done to help me file claims or get my money and now I am being told even though there is record of cards canceled due to fraud, that basically I will not get my money because its past the 60 days that they can do anything per Chase guidelines. Chase claims department is well aware of an unrecognized phone number being on my account. I noticed this when I wasn't able to receive a verification code to my phone. I called the bank and the agent instead of looking into this further knowing that I have had in the past and recently fraud on my account they just changed the number back to mine and every time I address this when trying to get my stolen funds back they just brush it off like its not possibly an important factor to my account fraud. Even after this change they still did not have my phone number verified and I still did not receive any alerts to any fraudulent activity on my account that continued to take place. So I am still fighting ongoing fraud that seems to never stop. Transactions I have been fighting to get refunded to me as they were not authorized and I gained no benefits from them. Starting current to past transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is just a small portion of the fraud that has taken place on my account, I still have so many items that I was never helped with filing and I need help because the representatives just keep telling me different things. They start to take my disputes and then the line just drops. This is way to much to do in one sitting and this site doesnt allow me to save my progress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/17/2023 | Yes |
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| On XX/XX/2023 I contacted my credit card company, Chase Bank, because I believed I was being scammed by the entertainment company I hired for XXXX services for my wedding in XX/XX/2023. I believed I was being scammed because the entertainment company, XXXX XXXX XXXX, had contacted us to let us know that the DJ assigned to my event is no longer with the company and they do not have a replacement nor will they guarantee a replacement and in no circumstance will they refund me. The XXXX company also had other red flags that I had explained and my Chase agent at the time had advised me that this was enough of a reason to file a dispute against the transaction. My brother was helping me find evidence of deceptive practices against the company and contacted the original DJ we were assigned some questions. He is not under any contractual obligation the the entertainment company and contacted the XXXX simply as an inquiry but the XXXX company threatened to take legal action against us for doing that. Because I am getting married in XXXX, I wanted to avoid any legal hassle and cancelled that dispute. I was advised at the time of cancellation by the Chase agent that it may take longer but if my issue persists, that I should reopen the dispute. I had come to an agreement with the company that we will wait to see if they are able to provide a replacement and they agreed to refund us if they could not. We continued to coordinate with the XXXX company about our service until I raised a question to them about their shady practice of threatening to charge my credit card against my will to bill us for any phone calls we make to them. At that point they suddenly said they received notice of our cancellation. However this is a lie, we did not cancel. The XXXX company forged our signature on a cancellation agreement and cancelled our service on their end. So I re- opened my dispute with Chase bank XXXX XXXX. I had a very hard difficult time with this re-dispute process. Every agent I talked to gave me contradicting answers and advice. I submitted all the evidence I was asked to, including proof that the signature on the cancellation was forged. I have spent the last month explaining that XXXX filing a dispute for services not received ( as the service was cancelled against my will ) but my dispute was still filed under customer cancellation and subsequently denied. I even had dispute agents mention that they think my claim is being filed under the wrong category and they are attempting to add notes to help resolve this for me. However it was still filed under customer cancellation. After attempting to understand the reasoning behind the denial I was told by a dispute team supervisor that Im being held at fault here for filing the first dispute prematurely instead of waiting until XXXX. However, I was never advised to wait until XXXX by the agent nor was I told this was something that could be used against me back in XXXX. Every agent made it appear that my case was straight forward and they understand that the vendor would not admit to the illegal act of forgery and not to worry because they will take care of it. I also dont think this is a fair claim against me because they XXXX company themselves have never once communicated to us that they consider that first dispute as an act of me trying to cancel. Even after closing that complaint, we continued to discuss my service and the company themselves have admitted that they consider my brother ( who is not named in the contract and did not sign anything ) independently talking to the XXXX as my intent to cancel. Another dispute team supervisor told me there was absolutely nothing they could do to resolve my dispute as they have no category to cover my situation and there is no way to win my dispute because they can not take into consideration that the cancellation agreement was forged. I dont think this is fair because I think this should fall under me not receiving services since I did not willingly cancel it and it does not make logical sense for me to have signed it. The cancellation agreement itself is pretty shady because it has hidden fees that were not in the original agreement and essentially if I did sign it, I would be agreeing to not getting a refund on top of paying {$500.00} AND paying like an 18 % cancellation fine. If I genuinely wanted to cancel and didnt care about getting my money back, It would be cheaper for me to not sign anything at all. The other thing I have heard in regards to my case being denied is that I signed an agreement with the XXXX company that the amount is non refundable. Which is true but the contract also states that they will PROVIDE the service, and they have breached the contract by ending our service which should nullify the rest of the contract anyways. Not to mention you can see that they are claiming in their official statement that we signed the cancellation at XXXX PM on XX/XX/XXXX, yet they emailed us a copy of the cancellation we signed at XXXX on XX/XX/XXXX ( attached in documents ) | ||||||
| 10/22/2022 | Yes |
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| I am writing for the fourth time to dispute a charge of {$940.00} to my Amazon Chase credit card account on XX/XX/2022 ]. I have spent 20 hours on the phone with disputes department and 4 submissions of this disputed charge just to either get told no documents were submitted ( which I do every time fax and through chase website document upload portal. Then only to receive after gathering all the paperwork and filling out chases questioner. I get sent a letter that the charge is valid, and the proof of the charge is not the right charge or dollar amount of the disputed amount, and the transaction date is wrong. This is the due diligence and measures chase puts in place on their validating charges. The proof of transaction chase sent me does not correspond to the disputed charge not one bit. Wrong transaction dollar amount, wrong date of transaction. This is the proof that the transaction is valid. I supplied the paperwork Chase sent me. Please review the protocol and sloppy error riddled paperwork chase sent to validate my charge. I have blown the whistle and filed my case with CFPB due to the errors in the valid charge letter your bank sent to me three times all wrong. I will explain now for the fifth time in writing what happened and why this {$940.00} is a fraudulent charge by XXXX XXXX On XX/XX/2022. Back on XX/XX/2022, I bought plane tickets online through XXXX XXXX for travel to XXXX XXXX on XX/XX/2022 and returning to XXXX XX/XX/2022. This purchase was for round trip tickets for myself, my wife and our XXXX kids for a total of XXXX flights outbound and XXXX return flights as these were round trip airfare tickets. I put the charge on my chase visa. Now I had panned to go to XXXX rental cars and hotels which were all reserved for certain days and times. We were reserved for Sunday XX/XX/XXXX for XXXX which cost me another {$1500.00} for tickets only hotel was another {$1200.00}. Saturday XX/XX/XXXX plan was fly to XXXX XXXX rent a car drive to XXXX all on Saturday and next day Sunday was XXXX. We arrive at the airport on Saturday XXXX XXXX and XXXX XXXX said charge for round trip flights of {$940.00} did not go through and we have no airline tickets XXXX hours before our flight leaves which is now sold out and the only flight out of XXXX that day. I scramble and had to buy XXXX XXXX way to XXXX XXXX on XXXX XXXX 3 hours before their last flight out of XXXX to XXXX leaves. It cost me {$2300.00} which I put on my XXXX XXXX card. Now the rental car is booked in XXXX XXXX which Know thanks to XXXXXXXX saying my card charge of {$940.00} did not go through on XX/XX/XXXX I had to pay {$590.00} more for my rental car in XXXX XXXXhan the one I had reserved in XXXX XXXX if XXXX had my charge of {$940.00} go through. Now it is XX/XX/2022 on our last day on Vacation and have to buy XXXX one way tickets back to XXXX which cost me $ XXXX in total I had to paya total of {$3400.00} for plane tickets on the fly last minute for outbound flights on XX/XX/XXXX because on XX/XX/XXXX XXXX XXXX I purchased XXXX round trip tickets for travel on XXXX to XXXX XXXX and XXXX XX/XX/2022 to XXXX. Only to find out on the day we travel XXXX said our charge of {$940.00} did not go through hence we have no plane tickets. Then I see that charge from XXXX for {$940.00} get on to m card after they said the charge did not go through has me livid. Then for chase to say it is valid and send me proof of the valid XXXX XXXX of {$940.00} on XXXXXXXX XXXX proof of transaction. But their proof was dated XX/XX/XXXX for {$1100.00} that was my return last second ticket transaction. That was you proof of the {$940.00} charge being valid. Now you see why I went to the CFPB. Also, a XXXXXXXX XXXX charge of {$54.00} as I explained once again not my charge and proof of valid transaction, they sent was for XXXX XXXX but not the correct location and the dollar amount of the transaction proof to make my charge of {$54.00} valid was a transaction proof of {$180.00} not erven close to the correct disputed amount. One last thing I was charged for aa carry-on bag twice for one bag {$79.00} and {$79.00} which should have been one bag one {$79.00} charge. XXXX charged my card for two carry-on bags when I only had one. Chase sent proof of the double charge. I said I know that is what I am contesting the same charge twice. They said nope it is valid because it is on your statement twice. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of 1. Statements with charge proof 2. Chase claim paperwork that charges are valid paperwork and transaction documentation to support chases findings are valid. 3. Letter of Explanation 4. Please correct the error on my account promptly for the full amount of {$940.00} Sincerely, XXXX XXXX XXXX : 1. Credit card statements with charged amount proof 2. Chase valid charges paperwork with proof of transaction 3. Letter of Explanation | ||||||
| 12/07/2017 | Yes |
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| We closed a re-finance with Chase onXX/XX/XXXX I originally contacted Chase sometime lateXX/XX/XXXX inquiring about the refund I had received dated XX/XX/XXXX in amount of {$660.00}. Upon closing, the old loan information was deleted from website, hence my calling to inquire. Was verbally told by loan officer XXXX XXXX ( loan officer ) back sometime end of XXXX, that we were approved and we could transfer the escrow to the new loan. When completing requested loan paperwork, which was email to XXXX onXX/XX/XXXX, a form requesting how we wanted our existing escrow handled ( approx. {$1100.00} ), there was not a check-mark option of transferring over escrow to new loan, as previously told, so I wrote that in on the paperwork and did not check any of the 3 other options listed. Nothing was ever questioned or explained by XXXX XXXX XXXX XXXX ( closing assistant ) that that option was now pulled from the table. She gave me the payoff amount of XXXX that she had requested from her own company that was good until sometime around XX/XX/XXXX, as I recall. I never did receive a payoff-letter explaining that the payoff was short due to the fact that they were going to use the escrow balance to pay-off the loan. Our house payment is automatically pulled on the XXXX and was told to just let it pull, even though it was after closing and was not a factor in the payoff, as it would be refunded. So I was under the assumption that our loan was being paid off and the escrow would transfer over to new loan to avoid fees. A Notary Public, hired by lender, came to our home onXX/XX/XXXX to have us sign paperwork and was unable to answer any questions we had. I unfortunately did n't notice that on our closing cost detail report that was emailed to us prior to closing, that we were actually being charged and financed the establishment of a new escrow fund in amount of {$1200.00}. I however did notice another error they had made wherein they were charging us escrow for the homeowners insurance, which had also been previously approved by XXXX as deemed not necessary, ( I believe due to ratio of loan to value of home ), in which after my pointing that error out, they had fixed the homeowners insurance issue. When we received the check dated XX/XX/XXXX, in the amount of {$660.00}, which I thought was for the refunded payment that was pulled onXX/XX/XXXXplus some interest. I started making calls the end of XXXX to our closing assistant XXXX and spoke to her once and left messages only to have calls not returned, during the month of XXXX. Then I contacted the escrow expert department via customer service in XXXX and it was finally explained to me by XXXX on XX/XX/XXXX what in fact had happened namely, payoff was short as they were planning on using escrow balance to payoff loan, plus also used the payment that was pulled onXX/XX/XXXX, then making an overage of {$660.00}, which was then refunded to us. My complaint, as I have explained most recently ( XX/XX/XXXX ) to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, is that the transfer of escrow was not done in accordance to our request, that I had never received a pay-off letter explaining the reasoning behind their pay-off tactics, as I would have definitely questioned/straightened them out as to how it was to have been done. We 've also had to finance ( increased our loan amount by {$1200.00} ) in order to set-up the new escrow account and the finance fees associated with it. I have spent countless hours in attempting to contact various representatives at Chase and the final result from them today is sorry. That is not acceptable to us, the consumer. I feel they were able to make more money from us by handling this way! I know that I have spoken to at least 8 people, only to be told by them that they understood my issue and would get back, only to not hear from them. Spoke with XXXX XXXX onXX/XX/XXXX ( XXXX XXXX ) XXXX XXXX, who said she would call me back in 1-3 business days with resolution ... .I left her another message on XX/XX/XXXX, stating that it 's been over 3 business days. Left another message on XX/XX/XXXX indicating that they had 24 hours to get back to me ; otherwise I would going to file a complaint. I did get a call from XXXX Off ( XXXX XXXX ) on XXXX, stating that she was now handling the issue and that it would be at maximum XXXX hours ... .I left her another message on XXXX, after not hearing from her and she did call me back that day and I had to scan and email her a copy of the paperwork, wherein I had indicated that I wanted the escrow transferred, as she had been unable to obtain a copy from her own company. She then called me back this morning, only to say sorry, that she could forward me a copy of the pay-off letter now, after the fact, as to how they handled and that there are no shorted monies. I complained about their company 'practices ' and informed her that I did not approve of that and was not finished in having my complaint heard. My hope is that you are able to assist! Not only for myself ... but future consumers! | ||||||
| 11/25/2020 | Yes |
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| My original complaint I submitted : I have a Chase Prime Credit Card. I opened a dispute on XX/XX/XXXX when I noticed two recurring charges on my card - XX/XX/XXXX and XX/XX/XXXX for {$540.00}. I have now reviewed my credit card for this year and I see the charges started on XX/XX/XXXX, and have been charging between the XXXX to XXXX of every month. I do not recognize this charge so I am looking for a full refund for the charges. I have been charged a total of {$4300.00} since XX/XX/XXXX. While I recently noticed this, I didn't know this has been going on for some time. I am disputing all of the charges as I do not have any insurance with XXXX XXXX, and when I looked at their website, its definitely not something that I will use. My primary home insurance is with XXXX. I do not use any other insurance companies. Chase closed my dispute because they stated, " You received benefit from this transaction '' with no further comments or rationale. I tried to call Chase to understand why. The letter from Chase which I received a few minutes ago states to call between XXXX to XXXX eastern time. When I called the number, I was told the office closes at XXXX. Why does their letter state they close last XXXX, but the phone number says they close at XXXX? I am asking for CFPB to investigate into this and request a full refund of all of my charges since XX/XX/XXXX. Chase responded today, XX/XX/XXXX : Were responding to your concerns about the fraud claim on your account. Our latest review confirmed our previous findings mentioned in our enclosed letter dated XX/XX/XXXX, were correct and the charges from XXXX XXXX are valid because the merchant provided a copy of a sales draft that matched your email address for a digital download for a type of insurance services. The merchant also stated you accessed their website logging into your account via your email address. We did not receive any additional documentation from you to support your fraud claim and our decision to consider the charges valid was upheld. The charges will remain on the account. We realize this isnt the outcome you hoped for but please continue to make at least the minimum payment due so the account remains current. Furthermore, in your complaint you mentioned you attempted to contact us about our decision, but the office was closed. Our office hours mentioned on the letter are correct and remain unchanged. We apologize that you were not able to reach us. My amended statement is as follows. 1 ) Chase has not provided additional information from XXXX XXXX. They have made their own claims but provided no proof or evidence that the account matches my email address - in other words, Chase was relying on hearsay without providing additional proof, screen shots, or evidence. 2 ) Chase alleges their hours mentioned in the letter is correct and remain unchanged. This, again, is not correct. When you call the number provided on the letter, it states their hours have changed due to COVID. But again, Chase is making another allegation again without proof. Please see attachment - Chase Call Log - XX/XX/XXXX at XXXX Eastern. The only reason why I went to CFPB is because of # 2 and # 3 - Chase isn't open after XXXX Eastern, and # 3 below - where XXXX at Chase did not call me back. 3 ) Chase called me today from XXXX at XXXX however I was in a meeting and then asked me to call them back at a different number. I did so at XXXX at XXXX and I was directed to enter a really long extension number - to speak to XXXX at Extension XXXX. When I entered this extension this promptly went to voice mail. I left a message asking for XXXX to call me back. XXXX did not call me back. What was the point of XXXX calling me and asking me to call him back but he doesn't answer and doesn't call me back? Please see attachment - Chase Call Log - Chase called today and I returned their call. They did not call me back today. 4 ) I went to XXXX website and filled out an email asking for " lost or forgotten email ''. I received no e-mails from XXXX for more than 15 minutes. Please see attachment coverwalllet lost or forgotten email. I am asking for Chase to obtain evidence that I contacted XXXX, and their response, if any. The lack of response shows I do not have an account with XXXX. 5 ) I reviewed my emails and I see that I received an email from CoverWallet which was filtered and not in my inbox. When I opened it, I noticed the policy was assigned to someone with a completely different name, and different address, and in a different state. See attachment - email to XXXX from XXXX. However, in light of # 4, it looks like the e-mail address was changed - so I am unable to access the account anymore. So why is Chase alleging that the account is still under my email address as demonstrated under # 4? 6 ) I am XXXX. Chase is probably confused how to talk to me and does not understand they need to talk to me through a sign language interpreter through XXXX XXXX XXXX. I suspect this is the reason why XXXX didn't want to call me back. | ||||||
| 10/18/2019 | Yes |
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| JP Morgan and Chase reported 3 loans ( $ XXXX, $ XXXX and $ XXXX respectively ) as cancelled debt, to the IRS on my behalf in XX/XX/XXXX. They sent 1099 's to a non-existent address- one that has NEVER been used or reported by me or my cosigner. The address they used is a splicing of 2 separate addresses in 2 different cities in the same state. This cancellation was done after Chase claims they made multiple attempts to contact my cosigner for repayment, an arguable fact as my cosigner has absolutely no knowledge or paperwork to that affect though Chase has her correct address and phone number ( I have confirmed this through phone calls with Chase ). My cosigner is a retired account and as such, she keeps every scrap of paper concerning loans and financing she receives and she has no record of the loans Chase reported cancelled-nor do I- so I contacted Chase to request copies of the original loan contracts as proof that the loans are in fact mine. These loans do not show up on either of our credit reports so we are questioning where they came from. My first phone call to Chase was on XX/XX/XXXX. I spoke to a woman named XXXX in the IRS notice department. She was " unable to provide further information ''. Because Chase no longer directly deals with Student Loans, I could not get a direct number into Chase so I contacted our Local Chase bank branch and spoke to XXXX on XX/XX/XXXX. She took my information and sent an internal email in an attempt to either get the information I was seeking or to put me in touch with the people who could. When I hadn't heard anything, I reached back out to XXXX on XX/XX/XXXX. She was helping someone else so my call was taken by the branch manager, who took all of my information and filed a grievance on my behalf through Chase 's complaint and compliance department. On XX/XX/XXXX, I was contacted by XXXX ( ID # XXXX ) with the complaint and compliance department. She said my information had been given to the research team who would look into the loans. When they completed their search, she would be back in touch with what they found. On XX/XX/XXXX XXXX called me back and said they had located specifics on the loans in question and directed me to the Chase Recovery and loan specialist department, who would then be able to provide the appropriate documentation I was seeking. On XX/XX/XXXX I contacted the Loan Specialist department and spoke to a woman who confirmed the Loan numbers, amounts and cosigner. I asked why these loans were not showing up on any credit report and she stated that the loans " drop off as soon as they are cancelled, '' a statement that is absolutely false. I requested copies of the original loan contracts and she said she would have them sent to me with no issue. The contract was post marked XX/XX/XXXX and arrived XX/XX/XXXX. However, the contract she sent was NOT the correct Loan contract. It was not the correct dates, amount or loan number. Realizing that I wasn't getting anywhere, my cosigner contacted Chase on XX/XX/XXXX attempting to get the information i requested. The man she spoke to again confirmed details but instead of sending contracts, referred her to the IRS for further questions. On XX/XX/XXXX, my Cosigner again contacted Chase to directly request contract copies for these loans. On this phone call, she was told she was NOT a cosigner and therefore could not be given any information or sent any contracts. On XX/XX/XXXX, I contacted Chase again and spoke to loan specialist # XXXX who confirmed that my cosigner was in fact on the loans. She said the original loans were taken out between XXXX. She said loans were charged off XX/XX/XXXX, letters sent in XXXX and reported cancelled in XXXX. This time she Could NOT confirm the address the 1099 's were sent to. She said she had no idea where the address came from ; she also corrected previous information given and confirmed that these loans should be on our credit reports ( she offered to send me to the credit reporting dept to " fix '' the non reported loans ; I declined ). She said she had requested copies of the original contracts as well as copies of the 1099 's for these loans, to be sent to me in 7-10 business days. Unfortunately the only documentation she sent were 1099 's with the wrong address. I have STILL yet to receive a single piece of paper relating to these loan contracts. It has been 2 months, numerous phones calls, and misinformation and I can not get any tangible proof that the loans reported cancelled on my name and social are in fact my loans and my responsibility. I once again called Chase on XX/XX/XXXX and asked to speak to a supervisor or someone in charge who could give me a definitive answer and send me concrete proof of these loans. I was transferred to a voicemail, left a very specific message with appropriate contact information, and I have yet to receive a phone call back as of XX/XX/XXXX, even though the voicemail greeting specifically states that a callback will take place within 24 business hours. | ||||||
| 08/16/2019 | Yes |
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| Sirs My property at XXXX XXXX XXXX has had several water issues over the past 18 months leading to two prior insurance claims and a current claim. The source of the problem has now been identified it is a backup sewer line that had the previous plumbers put a camera through the sewer line they would have seen that the sewer line was damaged. The Loss My house is currently rented. On XX/XX/XXXX, the tenants used the powder room and the water overflowed emitting sewer water all over the wooden floors. They immediately called a plumber it was XXXX in the morning and the plumber put a camera through the line, cleaned up the sewer and discovered the sewer line was broken. The sewer water damage is extensive, causing damage on the main level and seeping through to the basement, where the celling collapsed and the sewer water went into the carpet in the basement. I was notified on XX/XX/XXXX and called the insurance company XXXX XXXX. They were closed for the holidays. XXXX came out to dry out the house and basement. There is still an outstanding bill for the XXXX remediation. The Insurance Coverage XXXX XXXX maximum payment for Back up Sewer loss is {$10000.00} ( see attached ) The adjuster came and estimated the work to repair the inside of the house the wooden floors, powder room, basement wall, replace the sewer line, replace basement carpet etc., is {$14000.00}. Hardly enough but because of the maximum back up sewer clause I did not see the point in asking for a re-estimate. Estimates to replace the sewer line ran from {$6500.00} - {$11000.00}. Work completed to date. This is a major loss involving water. 1. Sewer Line i. I had to replace the line, to prevent any further damage. ii. There is nothing to inspect. The work is done under ground. XXXX inspected the line once the work was completed and validated it was up to code. You can check with them for validation providing them with the address. 2. Humidifier i. I had to put humidifiers in the basement to prevent mold build up. There is mold growing on the wall and underneath the carpet. ii. XXXX provided this work I have not paid them yet. Chase Insurance Policy Chase needs to inspect the work in accordance with the Adjusters report. That is the standard process. However, it will not work in this instance because the loss exceeds the maximum coverage. The back up sewer coverage maximum is {$10000.00}. That has already been expended : the line needed to be replaced immediately, the house needed to be dried out with dehumidifiers. The landscaping. The powder room and wooden floors will have to be done later and can be inspected but I will have to fund this later. Yet these can be inspected, but will not be done. Again, the monies have been used to fix the sewer line that runs underneath the ground so unless we pull up the ground there is nothing to inspect. Yet I am told you need to inspect to release the funds. I have spent my own money and need the rest to fix the growing mold in the basement. I truly understand that you have to validate work, but there needs to be another process for loss that occurs as a result of a backup sewer. THERE IS NOTHING TO INSPECT. A better validation is to call the utility company. XXXX will validate that they certified the work. Outstanding Work Time is of the Essence The loss occurred 6 weeks ago. Water is in the house. The house still has a sewer smell. Mold is growing every single day in the basement. I have a contractor who is on standby to work on the mold remediation in the basement. He has to remove the dry wall, carpet etc., I need to pay him to get started this week. Hes quote for the basement is in excess of {$9000.00}. The wooden floors and powder room is another {$6000.00}. Clearly the insurance check will not cover the work to be completed. The ask Every day we are waiting to release funds is exacerbating the mold issue. I have already paid out close to {$9000.00} and would like it released to me this week so I can try and stop the bleeding the mold in the basement continues to grow every day during the damp, hot summer months. I understand there is a process for Chase Insurance Claims. I have been to Chase branch every day for the past 10 days and no one at the branch understood how to process the check. I am simply asking to be refunded for the monies spent to date so that I can pay another contractor to begin on the basement to stop further damage to the basement. Waiting on an inspector to come and check the work completed to date is futile. The work completed is underground the water pipe. A better validation for Chase is for you to contact XXXX who inspected the pipe before the concrete was replaced. I am happy to have the inspector can come out to check on the basement once it is completed. But the work to be completed needs funds and I have expended all my funds on the pipe replacement. Please advise what we need to do for Chase to refund me for monies spent to date so that I/We can protect the property from further damage. | ||||||
| 12/13/2017 | Yes |
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| I opened my first Chase Back Checking account on XX/XX/XXXX. During the account setup process, the banker assisting me, asked me if I wanted to Opt-In to Chase Bank 's Overdraft Protection program, after she 'd given me a detailed overview of the Bank 's Overdraft Protection program as well as general and specific information about having a checking account without any kind of Overdraft Protection. She also answered a answered a couple of clarification questions I had. I declined to Opt-In to any Overdraft Protection programs and explicitly told her that I wanted and requested the [ Chase ] Bank to DECLINE and NOT pay any and all debits, payments, drafts, transactions, etc. that I did not have enough money in my account to pay for. She acknowledged my request by stating that by not having any Overdraft Protection on my account, all debit attempts that I did not have enough money for would be declined. She, then, stated that there were no penalties/fees assessed for declined transactions or debits. On X/XX/17, Chase Bank charged me a {$34.00} Insufficient Funds fee for paying a {$7.00} draft from my checking account. OnXX/XX/XXXX and XXXX, Chase Bank charged me FIVE {$34.00} ( Total {$170.00} ) Insufficient Funds fees for card purchases. On XX/XX/XXXX and XX/XX/XXXX, Chase Bank Refunded {$170.00}, to my checking account, for the five ISF fees previously charged. Between XX/XX/XXXX and XX/XX/XXXX, Chase charged me {$230.00} for SEVEN Overdraft fees. By XXXX, Chase Bank refunded {$130.00} of the {$230.00} Overdraft fees. Chase Bank NEVER refunded the remaining {$100.00} from the total balance of Overdraft fees. From XXXX and XXXX, Chase Bank charged me {$100.00} for THREE Overdraft/ISF fees. Chase Bank has NOT REFUNDED any portion of this {$100.00}, to date. From XXXX to XXXX, Chase Bank has charged me {$100.00} for THREE Overdraft/ISF fees. Currently, there is another draft " pending ''. If Chase Bank pays this transaction, the Bank will charge my account another {$34.00} OD/ISF fee, which will be the fourth charge for this statement cycle, bringing the total fees to {$130.00}. Please note that the current statement cycle is not over yet. Therefore, the possibility is very high that Chase Bank will charge additional Overdraft/ISF fees before the end of this statement period. Upon detailed review of my checking account activity and history, my findings conclude that Chase Bank has repeatedly violated, and continues to violate, the terms set for my checking account. 1. Chase Bank is deceitfully and erroneously applying Overdraft Protections to my checking account for transactions that SHOULD BE automatically declined and free of any charges or fees, per my Chase Bank checking account agreement. Since opening the checking account in XXXX XXXX, I have never been asked for nor given consent for Chase Bank to add, delete, or make any changes to selections, preferences, and/or other information set in my account profile, that would give Chase Bank the right and ability to change any terms in my checking account agreement, let alone, without my knowledge and consent. To date, I continue to use my Chase Bank checking account, in agreement with its original terms, that do not provide any Overdraft Protections and should not result in being charged associated penalty fees.. Also, since Chase Bank has resorted to theft via fraudulent fees, my account balance remains abnormally low and/or with a negative balance because they are very quiet, giving no indications of financial trouble, when they are charging these fees. Believing that my account balance is much higher that it is, I make a purchase or two, and the next thing that I know is that I, now, have a negative balance in my checking account., which is the ONLY bank account I have. As of XXXX, I have a {$300.00} NEGATIVE balance in my checking account due to Chase Bank perpetually violating the terms of my account agreement. ** ( If Chase Bank argues that they are not in violation of any agreement and the funds they stole from me are legitimate, then, the institution is guilty of not disclosing that nor any information that would have informed me that, in some instances, I could/would be charged overdraft/ISF fees on my checking account. ) 1. Chase Bank is charging me {$34.00} every time they pay for a ISF transaction, although, I DECLINED these services when opening the account. EACH {$34.00} fee is in ADDITION to the total dollar amounts of the various purchases and transactions Chase Bank has decided to paying for profit. I have a very limited income and these undue transactions and subsequent fees are causing extreme economic hardships in my household. I have lost over {$500.00} in these fees, since I opened the account a little over 6 months ago. I am now under great amounts of constant stress, which has had/is having a severely negative impact on my mental and physical health and well-being. All conditions caused by this state can be substantiated with documented medical evidence. | ||||||
| 07/10/2017 | Yes |
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Web | Servicemember |
| I first want to apologize for the length of time it has taken me to file this complaint. I have been in the process of out processing the XXXX XXXX XXXX XXXX, and have been getting set back up in civilian life. In XX/XX/XXXX, my XXXX XXXX XXXX was totaled in an accident deemed to be the fault of the other driver. In the weeks following I had been in contact with both Chase Bank who was the lender of my loan, and the XXXX XXXX dealership in XXXX NC, and XXXX XXXX. Unaware of how the process works with replacing a totaled vehicle I was constantly calling both companies to ensure there was nothing that was needed for me to do on my end. I had called Chase at the end of XX/XX/XXXX to inquire whether or not I had to continue payments on the loan while the car as going through the insurance policy process. Chase informed me that I did have to continue payments, which was no problem at all. I have not missed a single payment since the beginning of my original loan starting almost exactly a year prior in XX/XX/XXXX. In the following weeks I was informed that the insurance policy from XXXX had covered all of the outstanding loan minus roughly {$1500.00}. I was under the impression that this had covered my monthly payment for the month of XXXX. Towards the end of XX/XX/XXXX, roughly the week of the XX/XX/XXXX, it had been four weeks or so since I had last spoke with Chase regarding my vehicle. I left a voicemail instructing someone from the company to call me back that week because I wanted to ensure everything was paid up and I did n't want my vehicle loan being placed into collections and effecting my credit. This phone call was never returned. At the beginning of the next week I finally was able to get a hold of a Customer Service Representative ( CSR ), who had informed me that my vehicle was placed in collections. I inquired as to why I was never informed via mail, phone call, email, or any other means. Which the customer service representative told me that Chase is not required to inform me of placing my account into collections based on a state law from NC. I told the CSR that what she had just told me did not make any sense, and that I would seek legal council. Her response was in a way mocking the fact that I said that to her. I really hope that Chase has the recording of this phone call because it was unbelievable. I had never felt so blatantly disrespected and undermined on the phone. I was then informed that they were waiting on a piece of paper from Mazda which would have completely covered the entirety of the loan, and Chase actually ended up paying me roughly {$500.00} because the extended warranty was worth more than what was owed on the vehicle. I quickly called Mazda and had that piece of paper to them within 48 hrs of our phone conversation, and I received my check from Chase roughly a week after. As I had informed the CSR, I decided to seek legal council from the XXXX XXXX XXXX at XXXX XXXX XXXX. This is where I was informed that it is a Federal Law to inform someone in writing before placing credit accounts into collections, and or statuses that can cause negative credit reporting. I was also informed of the CFPB, and if it was n't for her I would n't even be writing this report right now on your webpage. Armed with my knowledge gained I called CHASE bank back to see if I could simply request they remove the negative collections report from my credit report. After stating that I had sought the legal council that I had originally said I would, Chase Bank then attempted to say that my address was incorrect in the system which is why I never received my written notice. Here is a major problem with that. For the last YEAR I had been using the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX in order to verify my account information. Which I am more than certain if you have access to any of the recordings which they disclose of on their phone line you will hear this to be true. So openly on the phone they had admitted to never actually checking my address prior to releasing my credit information. Which again breaks federal law and they repeatedly over the course of the year had released my credit information without verifying my identity properly. On top of all of this they refused to go back and report the collections dispute as a mistake to the credit bureaus. Originally that was all I wanted was a simple admittance of a misunderstanding and me being able to have it removed from my credit history. At this point I am so disappointed in a company that I currently still use with one of my credit cards, and I fear that they may have done this to other people in the past. I am more than willing to discuss all matters regarding this instance, provide any and all paperwork needed, and would even be willing to testify in court if necessary. I can be reached via Email at XXXX for any and all questions. Thank you for your time regarding this matter and please look into this company and their Customer Service/ Credit Reporting Procedures. | ||||||
| 12/01/2018 | Yes |
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| This complaint is regards to unfair and deceiving practicing and in my opinion the practice that Chase does is truly unacceptable and unnecessary. Basically, in short, I accumulated over XXXX points by making purchases on chase credit card so I could convert to an airline ticket, however, after making attempts on three different days and speaking with an agent on the phone, I couldnt make that purchase and I am stuck with XXXX points that I cant convert to an airline ticket. Here is a more detailed explanation on whats going on. On XX/XX/2018, I found myself in a very unfortunately situation with my credit card issuer - Chase. I have done business with Chase for a number of years and currently I hold their one of the prestigious cards, Chase Sapphire Reserve, if not the most prestigious with an annual fee of XXXX per year to get the best possible perks. Throughout the years my wife and I accumulated over XXXX points by making transactions on this and other chase cards that we have in hopes that one day we could start using these points to purchase an airline ticket as they advertise as one of the rewards. I made my first attempt online to purchase a ticket for an international flight. After going through and entering a travelers information and selecting the seats that were available and making a purchase, I received a message apologizing that I couldnt buy a ticket because it is sold out and my card will not be charged. I made another attempt by selecting a different flight with no luck, same message. I contacted a chase travel agent on the phone number they have listed to make a purchase XXXX, however, after providing all the details about the traveler and selecting the seats, the agent couldnt make a purchase as well by stating their system is down and that I would need to try back in a couple of hours. The following day on XXXX XXXX, I attempted to make a purchase on chase website myself by using points to find myself in a similar position where I wasnt able to make a purchase for the same reason as the day before. I contacted an agent to whom I provided the same traveler information again and selecting the seats, the agent wasnt able to help me. He mentioned to give it a try back tomorrow. Following his advice, I attempted to make another purchase for the same ticket myself the next day on XX/XX/2018 with no luck. After contacting an agent on the phone number that the website provided. He couldnt assist me after providing all the traveler information again, although, they clearly have all the information on their screen as they could see all the records and they confirmed they have everything, they just need to go over it and read the disclosures again. After he couldnt assist me, he transferred me to another person who wasnt able to assist me after whom I asked to escalate a call. I was transferred to a supervisors line. The supervisor made two different attempts using all the tools she had to no success. She apologized and said there is not much else she could do to help me. I asked if we could escalate this further and if someone will follow up with me. She said she will escalate this internally to make sure Chase knows there is an issue somewhere, however, she cant promise someone will call me. As a result, I still have XXXX that I earned, however, I am stuck with them and cant buy an airline ticket as they advertise. The longer I wait, as it gets closer, the price for the ticket might go up so even if it will work one day, I might be paying more for the ticket as I am trying to be proactive as this time. Not having a solution for the past three days, I decided to call Chase on the back of my card XXXX. I spoke with a customer service representative and explained my situation and she said she would be more than happy to transfer me to the Chase Travel agent and they would be more than happy to help me. I told her Ive attempted to get help from them for the past three days and speaking with a supervisor and they advised me there is not much they could do after trying all their tools. I asked to speak with her supervisor as Chase is the one that provides points for me that I cant convert to a flight. She said there is not much a supervisor could do and they would refer me to Chase Travel agent. I pursued my attempt to speak with her supervisor and after speak with a supervisor he assured me that they will escalate it and will look at it further and someone might give me a call back if its resolved. On XX/XX/2018 I havent heard from anyone. I cant buy a ticket. I will be looking at a different company to purchase a ticket for dollars instead of points, however, what Chase does is ridiculous. After using their cards for years to earn points, I am not able to use them to buy a ticket. I couldve used a different card to make purchase if only I knew this is how it will end up. Id appreciate if you could investigate this further as this is truly alarming to me and unfair and deceiving practices as far as I am concerned. | ||||||
| 08/17/2020 | Yes |
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| Beginning on XX/XX/2020 my debit card started being declined. I went to m online banking portal with Chase and I was able to confirm that my accounts had funds available. I then went to their secure messaging portal to see if there was an issue. There were no current notices indicating that there was any issue with my account. Assuming that the issue might be a bad chip I contact Chase over the phone to order a replacement debit card. In the meantime, I had added someone to my account approximately 2 weeks prior. Their new debit card linked to the account had arrived, we activated the card, only to also have it be declined. This attempted use was on XX/XX/XXXX. Following their card being declined I drove to my local branch. I spoke to a banker who informed me there was a " restriction '' on my account, but unlike what she normally sees it was not telling her what the restriction was. We called the corporate number, and at that time she and I were informed that it was a social security authorization issue. This struct me as odd, I had been in the branch two weeks prior and added someone to my account and provided my passport and other forms of identification. The banker under the instruction from the corporate line submitted the SSA form on XX/XX/XXXX with me at the branch. As I was leaving she told me I should call corporate to confirm their receipt of the document and my account should be unrestricted in 1 day. I called later that afternoon as instructed because I was preparing to go out of town. The gentleman I spoke to was initially not able to find the completed form, but ultimately found it. He then informed me that I would not have my accounts unrestricted for 2-4 days. This left me without access to any funds once again. I had been without access to my account since the XXXX, it was now the XXXX and with a weekend in there I was unlikely to have access to my accounts before XX/XX/XXXX. In the meantime, I could see the funds in my account, and autopays were being rejected. When I informed him that this was having a detrimental effect on me personally as well as financially, he told me he could override it and I could go to a local branch to make a withdraw. He attempted to call several of the neighboring branches and was unsuccessful at getting in contact with any of them. Inaccessible phone lines is also something I have encountered with Chase. He finally reached a branch that was approximately 25 minutes away. At this point, I had taken a majority of the day off work, and was not able to drive to that branch in time. Over the weekend, on Saturday, XX/XX/XXXX my new debit card arrived. I tried to log onto my online banking portal and was unable to do so. As of Monday, XX/XX/XXXX my account was still not accessible and my card was still not working. I called Chase 's corporate hotline once more, only to be informed that as of XX/XX/XXXX my account had been automatically closed. They indicated that I should have received a letter in the mail on XX/XX/XXXX informing me that I had 48-hours to authenticate my Social Security Number. Since I failed to do so, the account was closed on the XXXX. My savings and checking account had been cleared out and the remaining balance would be mailed to me on XX/XX/XXXX and it would take 5-7 business days for this to arrive. The aforementioned letter was not received. I have informed deliver activated on my mail, and between XXXX XXXX I have no indication of letters received from Chase. Additionally, when I inquired as to why no notice was sent to me through the secure messaging system regarding this issue they said it could only be handled through the mail. However, even if the matter could only be addressed in the mail, a notice informing me to look for time-sensitive mail would have been the very minimum of courtesy they could have extended. Finally, requiring a 48-hour response to something sent through the mail is an unfair business practice. Additionally, as the timeline above shows, XXXX told me this morning that my account was closed on the XXXX. So why when I appeared on the XXXX was I told to fill out the form, which they submitted and I would be set in a few days? XXXX also ackowledged that this situation was mishandled and opened an internal Chase complaint on my behalf. Chase Complaint ID XXXX I now find myself without access to any of my money. The check will not be mailed until XX/XX/XXXX so the earliest I expect to see it is XX/XX/XXXX. Autopayments are being returned due to lack of funding, and every penny I own is being mailed to me. There is no way to ensure that that check will arrive. I would have never, ever chosen for it to be mailed. When I inquired if I could just go to a branch to get my money since the check has not yet been mailed, I was told no, the accounts were closed and nothing could be done. This is monstrous and unethical behavior. The branch and the corporate office have no idea what is happening between them, unprofessionalism and lack of empathy abounds. | ||||||
| 01/25/2020 | Yes |
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| Today XX/XX/2020 while shopping on Amazon.com I decided to apply for the " Amazon Rewards Visa Signature Card '' in order to receive their gift card offer and 5 % cash back to apply toward the purchase. I signed up for the new credit card with my current home address which also matches the shipping address on Amazon. I was immediately approved for the card and proceeded to use it to make my purchase. During the order purchasing is when it all went wrong. During the process I chose my current home address again for shipping then I chose the new credit card for payment. I clicked continue and the website prompted me for the entire credit card address. This did not match the expectation they had set for me. Of course, the card had not yet been shipped to my address so I didn't have the full credit card number to enter, only the last four digits. Amazon claims on their website that as long as I'm not trying to use a new address while purchasing I will not be required to enter the full credit card number to complete the purchase. This make sense as they allowed me to sign up for the card in the middle of the order purchasing process. See here : https : //www.amazon.com/XXXX XXXX XXXX XXXX However, since I couldn't make the purchase, I contacted Amazon 's customer support by phone at about XXXX my time. They tried, but were also unable to complete the purchase on their side using the new rewards card that had just been approved and added to my account. They were confused by this and didn't understand the problem. Next they assured me that if I completed the purchase using another card they could then change the card for the order on their side. So in believing them, I did that while they were on the phone with me. However, once the order was completed on my side they were still unable to change the order to the new card on their side. They were confused by this and didn't understand why it didn't work. The only thing they could guess was that Chase Bank, who backs the credit card, had put a purchase limit on the card. Perhaps because it was brand new. Ok, that seemed logical to me though still frustrating since nobody said anything about it before now. This is when Amazon 's customer support redirected my phone call to Chase Bank to have them take care of the situation thinking Chase was blocking the purchase. I then re-explained the whole scenario to the Chase bank support person who gave me no indication of a payment limit being set on the card and confirmed the credit limit was high enough to make the purchase. They said the problem should be handled by the Amazon payment support team ( only they could fix their order system ) and proceeded to redirect me back to Amazon. Ugh. Now I had to explain everything all over again to this new Amazon support person. After listening to the whole story they then told me if the there was a requirement for me to enter the whole credit card number that it was something initiated by Chase bank and that I would have to talk to Chase bank to fix the problem. I, of course, said I had already been there with no luck and didn't want to be redirected. They said there was nothing they could do. Seriously? They even suggested Chase would be able to give me the entire number over the phone so I could make the purchase myself. Ok fine, if I could just get the number it would put an end to this back and forth madness. Again I'm being reluctantly redirected by phone on the same call from Amazon back to Chase where the automated voice prompt is asking me for the full credit card number which I don't have. That's why I'm on this call in the first place. I try pressing 0 to get an operator and eventually that line hangs up on me and says to call back if I think it was a mistake. So now I'm calling Chase bank directly my self in order to try get somebody to help. After waiting on hold for a while I finally get a customer support rep who does find my new account by using my name and social security number. Again I explain the whole situation to her and she tells me they are not allowed to give me the full number over the phone, apparently nobody can do that, but she can expedite the credit card shipping. I tell her this does me absolutely no good since the purchase was made already and I needed to change the card for it per Amazon 's instructions. She told me the requirement to enter the full credit number on the Amazon website was their issue and there was nothing she could do about it. She suggested that the only thing for me to do is go back to Amazon support who I've already talked to multiple times by now. At this point it is past XXXX my time and has been well over 90 minutes on the phone. It is just completely unacceptable service for both companies. Neither has a solution and only blames the other. Finally, I told her I wasn't going to deal with Amazon anymore on this issue and refused to be redirected on the phone again. Instead I asked her to cancel the card which she says she did and hung up the call. | ||||||
| 10/16/2018 | Yes |
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| The property in question is my family home since XX/XX/XXXX. My father XXXX XXXX XXXX ) has an ARM Mortgage with Chase Home Mortgage, Payment is about {$480.00}. 2 weeks prior to my fathers death, he quit claimed the home to my mother, his spouse ( XXXX XXXX XXXX XXXX XXXX ), married for 48 years. My mother took over ownership of the home and responsibility of the home mortgage. The mortgage account never had Escrow or Insurance Payments associated with the mortgage payment. Then my mother died. The house went into Probate with the XXXX County Probate Court through her Estate and the Property Taxes due were waived do the Probate of the Property. This was pending due to the house being probated in her Estate Will. I continued to make the mortgage payments as required on the 1st of every month. Taxes for XX/XX/XXXX were going to be waived due to her Estate in Probate but Chase Home Mortgage Paid them without any communication with XXXX XXXX, XXXX Executor or XXXX XXXX. About XX/XX/XXXX a XXXX County Probate Court Executor 's Deed was made and legally transferred the house in to my name. I then filled for Homestead Exemption and Chase Home Mortgage was notified in writing. I received a letter that told that I was the property owner and I was added to the mortgage account to make payments. I was then sent a letter notifying me that I was place as a contact for the loan and allowed to make property payments. Then I find out that around XX/XX/XXXX Chase Home Mortgage went paid a non-existent property tax bill to XXXX County. They did this without without any communication with me inquiring about the tax bill or any other issues. I then called Chase Home Mortgage and dispute this verbally. Then in XX/XX/XXXX I receive a letter stating they are placing an Escrow Account on the Mortgage for payment of the Taxes. I then call the toll free number and also send a letter disputing the actions. In the telephone call, I am told that someone one will call me back. I hear nothing. I make the payment on the fist of the month as usual. XX/XX/XXXX, XX/XX/XXXX. I receive another statement from Chase stating that I am late on the Mortgage. I go and make a Payment on XX/XX/XXXX and Chase accepts the Payment but gives me a hard time to make the payment. The accept the payment. I called again to dispute the Property Tax Issue and on XX/XX/XXXX I sent another letter to Chase Home Mortgage, addressed to XXXX XXXX to make an official objection to the way my mortgage account is being handled and to file an objection under the Fair Debt Collection Practices Act. Then I received an XX/XX/XXXX Statement and I made the payment. I find out later when I receive the XX/XX/XXXX Statement that the XX/XX/XXXX payment is being held in suspense and not posted to any account. I called the Chase toll free number, and attempt to talk to a Representative. They tell me that they see where I have called previously and someone will contact me. I then send another letter to Chase Home Mortgage making my objections known. Then on XX/XX/XXXX I receive a Debt Validation Letter from XXXX XXXX XXXX, XXXX advising me that they are attempting to collect a Debt on the Loan. I then called Chase Home Mortgage and they advised me that the Mortgage was sold to XXXX XXXX XXXX and Chase Home Mortgage could not help provide me any information, I need to contact XXXX XXXX XXXX. I have several disputes pending under the Fair Debt Collection Practices Act waiting on Chases Responses and communication. I then contact XXXX XXXX XXXX and they tell me they can not provide me any information. I need XXXX XXXX ( My father whom is deceased ). They make me upset. I then wrote a another letter addressed to Chase Home Mortgage and XXXX making my Objections Known and disputing everything that has happened. This is the 4th Objection I have sent to Chase Home Mortgage in writing and the first to XXXX. I make an Objection to the Debt Validation Letter and the purchasing of the Mortgage that had previous accounting disputes in the account. I am being charged fees, interest and even taxes that they paid that were not due. Now XXXX is assessing their own fees and taxes, plus the purchasing of the mortgage has lost any standing objections that I previously had made. On XX/XX/XXXX I sent XXXX the Objection Letter with signature receipt requested, I enclosed the {$970.00} for the payments of XX/XX/XXXX & XX/XX/XXXX and requested them to be posted. No one will communicate with me about these issues and Chase is attempting to stick me with a Tax Bill that they paid, that was not due. On XX/XX/XXXX XXXX purchased the Mortgage from Chase Home Mortgage without notifying me and, XXXX XXXX XXXX went and paid the XX/XX/XXXX Property Taxes that were not due. I found out when I went to pay them. XXXX XXXX XXXX is trying is adding fees and interest that is not even valid and this is in addition to the issues the started with Chase Home Mortgage and I have no avenue to talk to anyone because I keep getting the runaround. | ||||||
| 05/02/2019 | Yes |
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| On XX/XX/XXXX I purchased a bluetooh headphone in XXXX XXXX 's in-flight store as I traveled on one of their planes. I received the item near the end of the flight as passengers were disembarking, which was not an issue as I was not planning on using it while on the flight anyways. Upon returning home and opening the item, I discovered that it was defective, such as headphones not connecting, sound only coming out of one or the other ear, sound having lots of static. These issues were consistent when using the headphone on multiple devices. I attempted to reach out to the merchant, but from my research my understanding is that the airline is based in XXXX and their main call center is in XXXX. I endured long wait times ( 40 minutes - 1 hour+ ), and got XXXX speaking representatives. I would have to hang up and call again to try and reach an English speaking representative. When I finally got in touch with one I was simply told that their policy does not allow returns. This is in contrast to US consumer protection laws and Visa 's card processing guidelines. Clearly in XXXX a costumer should be able to receive a refund for a purchased item that is defective. It is under these circumstances that I reached out to Chase and initiated a dispute. I gave them the same explanation and context that I had made multiple attempts to work with the merchant and was not given a resolution. A summary of the next events : XX/XX/XXXX : Chase digitally sends a letter from the merchant with an email address and XXXX phone number for me to contact them for resolution. I was told this letter would be under my statements but did not find it there. Around XXXX : XXXX, a Chase representative, gets back in touch with me and ask me to try looking for the letter in different areas of their website. After trying several different areas of the website I found the letter. I explained my concern that I had already tried calling the merchant and did not get a resolution. I asked if the merchant does not respond, does that give me grounds to continue with the dispute, and if so what is the last date to continue the dispute? XXXX answered affirmatively that certainly if the merchant is non-responsive then we can continue with the dispute, with the deadline being XX/XX/XXXX. XX/XX/XXXX : I email the merchant at the email address provided to me and explain I am looking for a resolution. The merchant does not reply. XX/XX/XXXX : XXXX calls me again and I explain that the merchant has not replied to my email. XXXX provides me with a Chase email address to forward my email to her as evidence. I comply with her request exactly as she states. XX/XX/XXXX : Today, XXXX called me and informed me that she received the email I sent her that she requested. However, because I made this purchase in-person, I had the opportunity to inspect the item and thus I did not have the right to dispute the charge. That reasoning does not sound valid to me. There are millions of in-person purchases each day. Especially with electronics, even if you purchase it in person you may not be able to confirm that it is working. If I purchase an video game console, would I demand that the merchant allow me to connect it to their TV and electric outlet in order to test that it is in good working order? In my case, I made this purchase in-flight near the end of the flight. Many times while in the air we are instructed to put our phones away, and I had no intention of using this new item while on the flight. I have never been instructed to verify the condition of an in-purchase item, otherwise I would lose my right to a refund. When I asked XXXX which specific Chase policy/guideline stated that I had to inspect an in-person purchase otherwise I would lose my right to a dispute, she said it was not a Chase policy/guideline. I then asked XXXX since it is not a Chase policy/guideline, it must be a Visa policy and asked her to identify which specific policy it is. XXXX said she can not tell me which policy it is but that I am free to look it up myself. This is contrary to every experience I have had with disputes. Banks are not prevented from telling their cardholders Visa 's policies as those are the policies that they must follow. In fact the opposite is quite true. Banks must be transparent about the Visa policies that they are beholden to and must follow. It appears that perhaps a mistake was made by XXXX, and after I provided her with the email she did not continue with the dispute as she should have. Now that the deadline is passed she is unable to continue the dispute and has to find a reason to reject my dispute. Under Visa guidelines there are time limits to when a costumer can seek a dispute for a resolution. I have worked with XXXX in good faith to resolve this and provided all the information she requested in the time frames she has requested them. I have upheld my responsibilities as the cardholder and customer, and XXXX while acting as Chase 's representative did not. | ||||||
| 09/10/2020 | Yes |
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| All transfers are getting flagged and/or account blocked. I opened checking/savings combo account recently and the savings account requires that certian amount of funds be deposited within 20 days to meet some requirements. So, I linked 2 external bank accounts, to which chase sent trial deposits for verification and then upon verification, I scheduled funds transfer from external bank to chase savings, last week. I got a call shortly after that and the voicemail ( which not clear where is was coming from but looked up the number online in search engine and then upon logging into chase I saw the trasfer I had scheduled was pending verification ). After calling in I was on hold for about 30 minutes before the woman answered and then she asked me my name, dob, etc., and then put me on hold and then said she was going to send me a text to my phone to verify and the said it did not work and put me on hold for a few more minutes and then said she was going to ask a series of questions from my public profile to verify and that took a few minutes and then she asked me if I was the signer on the external account linked, she got in to my account and now said that she was going to call the other bank on the same line and ask them to verify if I was the signer on the account, which took another 20 minutes of hold and then the other bank wanted to vefiry my identity by asking me some more questions and after that chase banker asked the other bank to confirm if I was the signer and " if I had the funds in my account '' ( didn't know chase would credit funds if there were not enough funds in the other account ) after that she cleared the transfer. I told her that it was unusual and she said they just want to verify that the account belongs to me, etc., and that it should be ok. In all it took about 45 minutes. I waited for the transferred amount to clear and to show in my account and this week on Wednesday, I initiated another transfer from the 2nd linked account and well to meet the deposit requirements, and it was deja vu all over again. So, while I did call them and after the verification questions and after spending about 20 minutes, when the rep said that she wanted to call the other bank to make sure I was the signer and if I have the funds, and asked me if I knew their phone number XXXX knew that this was going to take much longer and as it was already late in the day and as I thought that the other bank probably closed, I just asked her to cancel the transfer. Besides, I did not like that I have to share all my personal and other banks details on the phone with person possibly located in XXXX or XXXX as it seemed like I was talking to someone in a overseas call center. After that I went online to search about this new chase verfication methods of calling customers bank for online transfer verification, I wanted to search online to know from other users and found that transfer limits should be below $ XXXX and so I tried a lower amount of $ XXXX and it was the same situation but only this time my access to online account was also blocked from the fraud department. I called again and asked to speak with a supervisor to see if I can get the right answer and get to the bottom of the issue, before trying again and was told that I have to go through verification first and then I got disconnected. After talking to yet another rep again and going through the whole process of verification, the rep told me that it is better to go to the branch and write a check or try sending funds into my chase account from external account. I found online that they have also blocked user accounts who sent in funds from external bank to their chase account and the users had to go to a branch to get the account unlocked. This is like writing a check and then I getting a call from the bank telling them that that they want to call other bank while I am on the line and verify that I am the signer and I have the funds in my account and do this for every transaction. These are even not substantially large amounts and no other bank, even a small bank does this once an external account is linked and verified with trial deposits and they send a code by text or email to confirm the transfer but some do put a hold on funds so the funds can not be withdrawn - understandable but what is not understandable is calling ther other bank on the phone to verify if there are sufficient funds in the account. If there are no funds in the other account then the transaction gets declined ( one would think ) and whether a check transaction or online and once the funds are in, then all banks including chase put a hold for 2 weeks. So, what is this extra process of having to call in the fraud department, verify identity, and them calling the other bank? Ok, that too is understandable for one transaction but not for every transaction or every bank that I link? I want to know do I have to go to a branch and write a check or if I send funds from an external bank are they going to block it again. | ||||||
| 08/02/2020 | Yes |
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Web | Servicemember |
| I have had two back to back business account closures by JP Morgan Chase. Both are due to the bank changing its internal policies, without proper notification, regarding the use of mailing addresses vice physical addresses by Arizona business customers. Closing a bank account at any time should be a serious action, for cause, such as continued overdraft or suspicious behavior such as money-laundering. In this case it was due to a demand for a physical address, a very fixable and simple remedy. I have used the mailing address in question for more than twelve years. I work overseas for another iconic American company. As an XXXX, it is not practical nor feasible to receive mail at my primary residential address, which is occupied by tenants. As my AZ driver 's license, the means of identification to open the business account, lists my " primary '' address, there is no question that I am a bonafide person. Additionally, the bank staff know me on a personal level, including the branch manager, XXXX XXXX, and the business relationship representative, XXXX XXXX. No effort was made to communicate a problem with the mailing address directly to the bank 's own staff. The " XXXX '' Branch is a XXXX XXXX branch, servicing high net worth individuals and businesses including Major League ball players and high profile individuals such as XXXX XXXX of " XXXX XXXX/XXXX XXXX '' fame. Reaching out to a customer at this kind of branch would be a best business practice, at the very least. Best business practices do not exist at J P Morgan Chase. They are mindless zombie bank that was directly culpable of using stated income mortgage loans during the 2008 banking crisis, as well as the infamous London Whale scandal. They are predatory institution. They recently ended VA originated and backed mortgages without any pre-notification. This shouldn't be legal for any American bank backed by the Federal Reserve. VA mortgage originations should be a cornerstone requirement of any American banking institution regulated by the Office of Thrift Supervision or offering FDIC backed accounts. That is a separate matter, however, it indicates the character of the bank when VA lending is no longer offered. The first bank account closure was stopped in time by the previous branch business relationship representative, XXXX XXXX, now located at a different branch. The bank allegedly sent " snail mail ' notifications, via USPS, to the mailing address in question, which is less than three city blocks from the primary Chase branch used for all my accounts, XXXX XXXX XXXX XXXX, XXXX. The bank declined to make use of its internal online secure message center, nor even a courtesy email that would give a customer some indication of the problem. I regularly receive nuisance messages and advertising via the banner messages at the top of the website. The first and second closure occurred without any notification of any kind on the website. The second account was closed on XXXX XXXX, a Friday. .I contacted XXXX XXXX XXXX the business relationship manager, at XXXX branch, within one business day, requesting assistance. He promised to " escalate '' the situation. I cc 'd the branch manager, XXXX, and also contacted her by phone. She answered one time and promised to call back, but never did. Repeated calls to her phone were ignored. I emailed XXXX for a follow up on the escalation but he never replied, nor did XXXX XXXX. The branch itself at this point ceased to assist at any level. XXXX XXXX, who had been on vacation, returned but was unable to reopen the account due to some " internal '' policy. The most ridiculous part of this situation is the checking account uses the name of the property address, a physical address, as the LLC name. Its sole function is to receive rental property income and service the mortgage, for the same property address, owned by JP Morgan Chase. There is no doubt, due to bank deposits from a local property management company, and payments to reputable local businesses, exactly what the nature and purpose of this account is, as well as its physical address. A motivated employee, who cares about the customer, would have found a way to contact the customer and update the address. Instead, the bank was motivated to close the account without utilizing any of its internal resources. No customer service of any kind was evident EXCEPT for the actions of XXXX XXXX XXXX XXXX, who deserves a promotion to the XXXX branch manager, taking the job of XXXX XXXX, manager in name only, for going above and beyond, what the XXXX calls a XXXX XXXX, for his exemplary service and customer loyalty. I would not recommend this bank to my worst enemy, for fear my bank account could be closed at any time. The activities of this bank are reminiscent of XXXX XXXX prior to being sanctioned and penalized by the Federal Reserve. They are headed down the same road and should not be allowed to grow nor issue dividends to shareholders until they have a review of their banking operations. | ||||||
| 12/04/2019 | Yes |
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| On XX/XX/2019, I ordered a rug from the website XXXX order number XXXX in the amount of {$52.00} through XXXX which is linked to my debit card. Because of fraud issue with my order and no email confirming order number XXXX, I placed a duplicate order on XX/XX/2019 at XXXX XXXX, order number XXXX for the same rug on the website XXXX in the amount of {$52.00} through XXXX which is linked to my debit card. I checked my checking account transactions to make sure that the transaction went through and I discovered that order number XXXX cleared my checking account for {$52.00} on XX/XX/2019. Immediately, I emailed the website XXXX and sent a request in XX/XX/2019 stating that I placed a duplicate order ( XXXX ) from XX/XX/2019. Cancel order # XXXX and issue refund. Will place another order. Response came on XX/XX/2019 at XXXX XXXX ( remember this date and time ; it's important ) " Your request ( XXXX ) has been received and is being reviewed by our support staff. To add additional comments, reply to this email. '' On XX/XX/2019 at XXXX : XXXX XXXX, I placed another order XXXX for a different rug in the amount of {$52.00} through XXXX which is linked to my debit card. On XX/XX/2019 at XXXX XXXX, I emailed to response number XXXX : " Good evening, As promised, I just ordered a different rug order number XXXX, XX/XX/2019. Again, please refund the order # referenced in the request # XXXX ( XXXX ). Thank you kindly. Sincerely, ( my name ) '' Two days later, on XX/XX/2019 at XXXX XXXX a representative from XXXX responded by email to request number XXXX : " So sorry. I tried to cancel your order ( no order number referenced ) but its to late to cancel : ( its in processing now. Cheers ( her name ) '' I went to XXXX 's resolution center to file a dispute but they advised to contact seller first and gave the email address of XXXX. So, on XX/XX/2019 at XXXX XXXX, I emailed XXXX : " Good morning, I am writing to you in reference to order number XXXX. It was a duplicate order I made on XX/XX/2019. I ordered the same item on XX/XX/2019, order number XXXX. I didn't think the order went through because of a fraud issue with my bank. So I ordered the same item XX/XX/2019 in order to use a 15 % off coupon before it expired and a sale the website was having ended. However, after checking my checking account transactions, I discovered that order amount of {$52.00} went through for order number XXXX on XX/XX/2019. Unfortunately, this was after I placed order number XXXX for the same item for the same amount, {$52.00}. Immediately, I sent in a request to cancel the order number, XXXX, on XXXX XXXX and refund the amount of {$52.00} back to my account at XXXX XXXX. I received a response at XXXX XXXX stating that request number XXXX was issued and would be responded to as soon as possible. I emailed back at XXXX XXXX stating " I just ordered a different rug order number XXXX on XX/XX/2019. Please refund order number XXXX as requested. Thank you kindly. '' On XX/XX/2019, I received an email from a representative for XXXX in response to request number XXXX : " So sorry. I tried to cancel your order ( no order number referenced ) but its to late to cancel : ( its in processing now. Cheers ( her name ) '' I find this unacceptable as I gave the company plenty of notice to cancel order number XXXX before it went into processing plus I have yet to hear whether or not XXXX is in processing still. I would like a refund accordingly of {$52.00} for order number XXXX and to cancel it as well. If you need additional information or have any questions, please contact me at the above email address. '' Response received XX/XX/2019 at XXXX XXXX by email : " Your request ( XXXX ) has been received and is being reviewed by our support staff. To add additional comments, reply to this email. '' Response received XX/XX/2019 at XXXX XXXX by email from another representative at XXXX : " Hi ( my name ), I'm sorry, but now is too late to cancel your order XXXX because it's in processing and our policy is just allows to change or cancel orders within 12 hours. Please understand for us. We wish you give us the information clearly at the beginning : ( Cheers ( her name ) '' My response on XX/XX/2019 at XXXX XXXX by email : " Good morning, If you look at the transcript provided for request # XXXX, I did give you sufficient information and plenty of notice to cancel order number XXXX. Sincerely, ( my name ). '' On XX/XX/2019 at XXXX XXXX, I filed a dispute with XXXX against XXXX XXXX XXXX ( XXXX ) for the reason for item not received which is the only reason I could choose to file the dispute # XXXX. On XX/XX/2019 at XXXX XXXX, I escalated dispute # XXXX to a claim for the same reason : item not received against seller XXXX XXXX XXXX ( XXXX ). XXXX states that it can take 30 days or longer, if necessary, to resolve. I want to take the necessary steps to make sure that I file this complaint with my bank within 30 days of the purchase date ( XX/XX/2019 ) in order to get a refund. | ||||||
| 10/18/2023 | Yes |
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Web | Servicemember |
| I became aware on XX/XX/XXXX that my checking account was still being charged by XXXX for a streaming subscription that I thought was cancelled. I never gave XXXX my new debit card information when I had the old card replaced for security purposes. I immediately did everything I could to go to XXXX to cancel the invalid subscription officially through XXXX. When I researched the account, I noticed that XXXX only had an old cancelled debit card number on file, but they were still somehow charging my checking account. I then immediately called Chase bank to figure out how they were still charging my checking account as I had not used XXXX for quite some time. I had spoken with a customer service representative and a claims representative from Chase bank about this. They gave me information that I could not verify and didn't make any sense to me. This seems like very deceptive business practices. The charges on my statements from Chase bank showed that the charges were coming through on two debit cards that XXXX were never given, a debit card ending in XXXX, and a debit card ending in XXXX. Chase bank representatives mentioned something about a digital wallet that was used to acces my account, but to my knowledge no digital wallet was ever established, or if it was I was never made fully aware. The dates of the charges are XXXX XXXX XXXX {$9.00}, XXXX XXXX XXXX {$9.00}, XXXX XXXX XXXX {$9.00}, XXXX XXXX XXXX {$9.00}, XXXX XXXX XXXX {$9.00}, XXXX XXXX XXXX {$9.00}, XXXX. XXXX XXXX {$9.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX. XXXX XXXX {$10.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XX/XX/XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, XXXX XXXX XXXX {$10.00}, for a total of {$270.00} charged to my checking account. I attempted to file a claim/dispute with Chase bank claims department , but was told that they would only be able to refund one, or two, of the charges due to what they referred to as a 60 day liability policy, so I refrained from filing the claim. XXXX representatives said that they would only refund six months worth of charges when I asked them to refund all charges that should not have gone through. I did not think that only a partial refund is acceptable, only a full refund. I recorded the conversations with both Chase bank and XXXX representatives regarding this matter and below are links to privately posted recordings of those conversations. I also took screenshots and pictures of the screens for evidence. I will include those if possible. I had cancelled the debit card ending in XXXX from Chase bank in XXXX of XXXX and the subscription to XXXX should have automatically cancelled at the end of that subscription period ending at the beginning of XX/XX/XXXX, but it did not. Apparently, Chase bank continued honoring the charges from the old debit card and converted them to the new debit cards without my knowledge. This seems extremely deceptive to me. I receive a direct deposit once a month at the beginning of the month, and the XXXX charges were buried amongst all of the other transactions that I permitted. It is even more concerning to me that Chase bank would try to excuse away the deceptive charges by telling me that XXXX was using a digital wallet that XXXX representatives never mentioned, and XXXX, to my knowledge, was never listed under Chase bank 's digital wallet section in the Chase bank application ( see screenshot ). I was told by multiple Chase bank representatives that without current debit card information, or checking account number and routing number that no merchants should be able to acces the account which is my understanding as well. I will only accept a full refund of all unauthorized charges. Also, I should mention that in XX/XX/XXXX I cancelled the debit card ending in XXXX for security purposes because I thought that debit card information may have been compromised, and had a new card issued, the one ending in XXXX to protect my account. I don't understand how a merchant can use a backdoor loophole to acces an account to charge fees that are unauthorized when there was no contract with terms established other than a month to month subscription, and they were never given any new debit card information to facilitate a charge. This situation seems extremely deceptive to me, and I require Chase bank and/or XXXX to make this right. Thank you for your time and attention to this matter. Should you have any questions, or need clarifications, feel free to reach out anytime. Links to XXXX XXXX, channel is not monetized, and only used for ease of access. All linked recordings are privately posted. Chase bank conversation # 1 : XXXX XXXX XXXX XXXX XXXX conversation : XXXX XXXX XXXX XXXX Chase bank conversation # 2 XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/18/2018 | Yes |
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Web | |
| XX/XX/XXXX I have a bank account with Chase Bank in which my daughter has a high school checking account. On XX/XX/XXXX there were fraudulent charges made with her account. My daughter did lose her debit card but did not notice it was lost until XX/XX/XXXX. Someone made deposits to her bank account on XX/XX/XXXX in the amount of XXXX and on XX/XX/XXXX anther check was deposited to her account for the amount of XXXX. These checks were fraud checks and were made out to her name. These checks were deposited at a Chase bank. We do not know the company who made these checks out to my daughter. The signature on the back of these checks are not her signature. They were able to withdraw a large amount of cash from a Chase ATM. The following are all fraud charges made to my daughter’s bank account. XX/XX/XXXX $XXXX withdrawn from ATMXX/XX/XXXX $XXXX withdrawn from ATM Chase XX/XX/XXXX $XXXX ATM transactionXX/XX/XXXX $XXXX ATM transaction XX/XX/XXXX XXXX $XXXXDebit card transactionXX/XX/XXXX XXXX $XXXX debit card transaction XX/XX/XXXX XXXX $XXXX debit card transaction XX/XX/XXXX XXXX payment to XXXX XXXX $XXXX (online Chase to Chase transfer)XX/XX/XXXX $XXXX ATM transaction XX/XX/XXXX $XXXX ATM transaction 3XX/XX/XXXX XXXX $XXXX debit card transaction XX/XX/XXXX XXXX $XXXXXX/XX/XXXX XXXX $XXXXAll these charges are fraud charges. On XX/XX/XXXX I logged onto my Chase account online and noticed a large balance on my daughter’s account and I looked and there were several charges she did not make. I called Chase and reported that there was some unusual activity on my daughter’s account. I was told she would have to call Chase bank. My daughter stated she called the bank and was told we would have to go up to a branch. This was around XXXX XXXX. I went to Chase bank (XXXX XXXX XXXX XXXX, TX XXXX) on XX/XX/XXXX at around XXXX XXXX. I explained that there was suspicious activity on my daughter’s high school checking account. Her account has never carried a balance over $400 nor has she deposited a check larger than $300. Mind this is a high school checking and her balance was $XXXX on XX/XX/XXXX. The chase representative told me that she would have to come into the branch herself to make these disputes. I do not understand why I, as the guarantor/co-owner of the account, could not make theses disputes on behalf of my XXXX year old daughter when in fact they are holding my primary account responsible for repaying almost 3,000 back to the bank. My daughter did go to a Chase branch on Saturday XX/XX/XXXX as advised, but was in the lobby for over an hour and had to leave to go to work. When I found out this was not resolved, we both went to Chase bank on XX/XX/XXXX to dispute these charges. The representative told me I would have to speak to XXXX XXXX with Chase bank investigations. We were advised by the bank to file a Police report, which was done that evening. We spoke to XXXX XXXX with the XXXX XXXX County Sheriff’s Dept. on XX/XX/XXXX and filed a police report, Case no. XXXX, Phone: XXXX. These ATM transactions took place during the day when my daughter was in school. I have proof from my daughter’s high school that she was present at the time the ATM transactions took place.The investigation took place by Chase bank and I received a letter stating the ATM charges and the debit card transactions are valid due to the PIN number being used. The police officer did tell me there were several cases where criminals were skimming ATMs to get access to PIN numbers.On XX/XX/XXXX, Chase bank removed all of my money from my savings and checking account to repay the money that was withdrawn from my daughter’s account. I do not agree that I should be responsible for repaying this money. Chase should not have released the money when the fraud checks did not clear. There are several transactions that are suspicious and Chase bank did not alert my daughter or myself. I have banked with Chase bank for over 7 years and have never encountered such a problem as big as this. All of my money was in this bank and when this happened all the accounts were frozen. I went up to a Chase branch to ask if I could withdraw $XXXX to $XXXX dollars to pay for gas, as the bank held all of my money and was told I could not access any funds. I felt as if they were treating me as a criminal or taking part in criminal activity. I understand the legal aspoint but to refuse to give me access to any funds is terrible. I would add that on XX/XX/XXXX I deposited $XXXX cash to my primary bank account in order to pay my mortgage payment only to find out I don’t have access to any funds. If I were working with anyone to cash fraud checks, I would not have had $XXXX in my account nor would I have deposited cash to my bank. I was not aware my acoount was frozen on Friday XX/XX/XXXX. I feel I am not going anywhere with Chase bank. Whenever I call to make an appeal they transfer me to 5 different representatives and no one is able to help. | ||||||
| 07/23/2021 | Yes |
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| For : Federally Protected Consumer Rights Violations Under 15 USC 1692, 15 USC 1681, 1602 Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact so be it, The Fair Debt Collection Privacy Act is intended to secure my right to privacy and my privacy have been breached so be it and ; I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. Pursuant to 15 USC 1681c- my consumer rights were violated by not having the alleged debt deleted from my credit file when I informed you that I was a victim of identity theft. I never applied for a loan which would cause me to be in debt and owe any outstanding balance. It is unlawful to attempt to collect on a debt that is not owed. The civil liability for this violation is {$1000.00}. Pursuant to 15 USC 1681b- my consumer rights were violated by not having my written instructions to report anything on my behalf to any credit reporting agency. There is no permissible purpose to report anything without my prior authorization! There is no law that states you have to report anything be reported to any credit reporting agency so I demand it be deleted from all credit reporting agencies immediately. The civil liability for this violation is {$1000.00}. Pursuant to 12 CFR 226.15- Right of Rescission- I was never told about my Right of Rescission of this alleged debt. Can you produce where a Right of Rescission was given to me? You can not because one was never sent to me. The civil liability for this violation is {$1000.00}. Pursuant to 15 USC 1692e- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The character, amount, or legal status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is {$1000.00}. Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}. Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}. Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}. I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and XXXX out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies! XXXX XXXX | ||||||
| 02/22/2023 | Yes |
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| I put $ XXXX into this store XXXX of my own and borrowed {$17000.00} from friends and family who trust me and put into this company I sold my XXXX XXXX XXXX XXXX because I beloved it would catapult me forward, I now have less than {$200.00} to my name and a host of bills to be paid.. can you please give me wise advice on what I should do in this situation?? Please read below First they sent me this On XXXX, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Hello sir, the system checked your account : XXXX, your confirmed order today exceeds your store deposit, but you have confirmed all orders, if you have not confirmed the goods before, I can help you apply to cancel part of the order, but now you have clicked to confirm and get the corresponding sales rebate, then you can no longer cancel. Our company can not deduct any money directly from your account, you need to pay 10 % deposit of the marketing amount of the day to ship the goods normally. Check the marketing amount of your store for the day : {$100000.00}. You need to pay the amount of : {$10000.00} to have the item shipped smoothly, please complete the payment and upgrade on XX/XX/XXXX. If the delay is too long and the buyer complains, the merchant 's reputation will be affected and a late fee of 10 % of the total amount will be charged daily. In serious cases, the mall can close the store unconditionally. XXXX XX/XX/XXXX I then borrowed ( {$10000.00} ) out of the $ XXXX to pay the balance. I then tried to withdraw funds from the company and then they sent this XXXX wrote : Dear store owner, your store ID : XXXX Your total amount in XXXX XXXX account is : {$82000.00}, the actual total income is : {$60000.00}, according to the government online business tax law where XXXX XXXX is registered, you need to pay 5 % personal income tax if your personal income is less than {$10000.00}, and 5 % personal income tax if If your personal income is {$30000.00} or more, you will be subject to a 10 % personal income tax. If your personal earnings are {$50000.00} or more, you will be subject to a 15 % personal income tax. If your personal income is {$100000.00} or more, you will be subject to a 20 % personal income tax. If your personal income is {$150000.00} or more, you will be subject to a 25 % personal income tax. For non-physical stores that earn more than the actual investment, you will be required to pay a 15 % personal income tax on the actual earnings to the government where the exchange is registered. The tax will be collected by XXXX on your behalf, and the total amount of tax you should pay, taking into account your actual earnings, is : {$9000.00} According to the tax law registered by XXXX, you need to make sure that the payment amount matches the taxable amount, otherwise the system will not recognize it, allowing for a {$5.00} difference Please complete your tax payment within XXXX days after receiving the email notification, late payment will be subject to a daily penalty of 5 % of the total tax amount, your deadline for payment is XX/XX/XXXX, when you need to pay your tax please contact XXXX customer service to request a payment address. If you have any questions, please contact our online customer service. XXXX XX/XX/XXXX I then came up with XXXX of borrowed money from family They promised to handle the taxes, after we wired the money to them I then tried to withdraw funds from the company and then they sent this Hello Dear Shopkeeper : XXXX The funds you have requested to transfer have been successfully sent, and now the funds have arrived in the United States, now the funds need to pay 5 % of the total transfer amount as an entry fee in order for your funds to reach your account safely. This fee is levied by the US government, so please pay it within XXXX hours and your funds will reach your account as soon as possible. Based on the actual total amount of your account of {$120000.00}, you will need to pay an inbound transfer fee of {$6200.00}. Disclaimer : XXXX XXXX has released your funds and the funds are now in the process of being transferred and are currently restricted by the financial regulatory authorities of the US government. Please make your payment as soon as possible to ensure that the funds reach your wallet as soon as possible. Any late payment may be risk assessed by the system, in addition to a late penalty of 5 % of the total daily fees for late payments. For the safety of your account, please contact trouva mall online support in time to obtain the payment address. After payment, please contact customer service for verification. Once the verification is complete, the government auditor will release your funds within XXXX hours. Sir, please use XXXX XXXX to invest reasonably and legally, do not use the exchange to participate in XXXX, political, military or anti-religious activities, and refuse to fund these groups. I then sent them these messages stated I wanted my funds back and asked was it a legitimate company and they sent these | ||||||
| 02/06/2019 | Yes |
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| On the morning of XX/XX/XXXX I noticed fraudulent charges on my checking account statement from the 2 days prior ( charges were made on my debit card ). Along with the fraudulent bank account transactions, my XXXX phone number had been disconnected as well. I immediately contacted Chase and XXXX regarding the issue. It appears both my XXXX and banking accounts had been compromised. Upon calling XXXX, they let me know in order to get my stolen phone number back, I would have to file a police report ( thank you to XXXX for quickly and efficiently solving our issue with that account ). I immediately went to our local police department and filed. I then contacted Chase to file a fraud claim on the charges. Please let it be mentioned that this phone call was excruciatingly painful due to not being able to understand the representative. The fraudulent charges included : a card replacement fee for {$5.00} on XX/XX/XXXX ; a XXXX XXXX check deposit for {$2000.00} on XX/XX/XXXX at a XXXX ( Store # XXXX ) in XXXX, Florida ; a {$1700.00} charge at a XXXX ( Store # XXXX ) in XXXX, FL on XX/XX/XXXX ; two separate {$500.00} ATM withdrawals in FL on XX/XX/XXXX totaling {$1000.00} ; and a {$200.00} ATM withdrawal in FL on XX/XX/XXXX. The XXXX XXXX money order check referenced above was actually a {$2.00} money order where the offenders wrote in extra zeros on the money order, fraudulently making it {$2000.00}. Chase later reversed that deposit due to it being fraudulent ( of course, because it was a deposit ). The other transactions, totaling {$2900.00} ( the {$5.00} card replacement fee got left out of the claims on accident due to language barriers with the claims department - let it be known we were told we didn't tell them that on the first call which is a lie but they won't go listen to their recordings ), have been split between two claims with Chase Claims department. The first claim is for the {$1200.00} ATM withdrawals and the second claim is for the {$1700.00} XXXX charge. After filing, Chase credited us two temporary credits for each claim, totaling {$2900.00}. The second claim with the XXXX charge is still under review with their claims department ( we still have this {$1700.00} credit in the account ). The first claim for {$1200.00} has been denied twice already and they have taken back the {$1200.00} credit they gave us prior when the claim was initially opened. I should mention we are working with a lovely banker in Michigan who is also trying to help us resolve this issue, but she is having difficulty with the claims as well. We called the branch we originally opened the account with for help since we receive zero help when we call the claims department and they will NOT escalate our calls even though we repeatedly ask for managers. After being denied the first time, Chase told us to provide evidence we were in TN at the time of the transitions. Since the card used in FL was our card number and the correct PIN was used they are claiming all transactions were authorized. So we provided them with another transaction that took place on XX/XX/XXXX with the same card number in XXXX, TN. After speaking with the banker in MI, she told us to fax in the police report we filed on XX/XX/XXXX ( this was never originally requested from the claims department ). So we faxed in that report on XX/XX/XXXX. The claim was denied again claiming the correct PIN was used so it had to have been authorized. I'm not sure how my PIN and information got stolen but I have a hunch it was a skimmer at a gas station since I stopped at one a few days prior that I never typically stop at. The banker in MI also discovered more information we weren't aware of that a few days prior to all of this, someone called Chase and put a travel notice on my account, increased my ATM limit, and then had a card replacement expedited to FL. I did not do any of this. I don't know how this claim can keep getting denied when all of this information below has been provided to them : -I called and notified them immediately regarding the fraudulent charges, including the {$5.00} card replacement fee ( this is the card that was fraudulently expedited to FL and used ) -The XXXX XXXX money order goes hand in hand with these other charges and that one was reversed -We filed a police report immediately and faxed it in on XX/XX/XXXX -We provided evidence that we purchased gas in XXXX, TN with the same card number that was used in FL on that same day proving we couldn't be in two places at once -Why would we do all these transactions, call and claim them fraudulent, freeze the account and cancel the card that was being used and still be lying? Saying because the offenders used the correct PIN making it authorized is a horrible reason to deny the claims. PIN numbers get stolen all the time. Someone could have been looking over my shoulder and stolen it. They need to look at this whole situation and realize how blatantly obvious it is that I didn't do this. Please help! | ||||||
| 06/11/2022 | Yes |
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| I want to first state I have the check issuer 's bank statement to prove the funds and transactions that occurred. But I do not trust Chase to share this statement with them. I can share it with CFPB however if you can guarantee Chase not using it against me or the check issuer. On XX/XX/XXXX my brother deposited a check into my account. The money was debited from his account ( I have his bank statement to show this ) but was reversed by Chase on XX/XX/XXXX. On XX/XX/XXXX he deposited another check of the same amount. The money was debited from his account on the same day again. On XX/XX/XXXX I received a letter of notice from Chase that my checking and saving accounts are restricted because I did not provide requested information. This was the first communication I ever received from Chase, no prior contact or request for any information. I called Chase service number stated on the letter ( XXXX ) and was informed my account is good and once the fund is released from being hold on Chase side, the issue is resolved. At this time my account said the fund will be fold until XX/XX/XXXX. On XX/XX/XXXX, I called to inquire once the fund is no longer in hold status. However, another customer XXXX informed me both my brother ( the check issuer ) and I have to go into a Chase branch at the same time with XXXX IDs each, tell my Chase branch to call his Chase branch, and call the customer service number again to verify check issuer. When I inquired about not being told this information 7 days prior when I called initially, all I received was a verbal apology and reassurance this will resolve the issue. On XX/XX/XXXX, I went to the Chase XXXX branch while my brother went to the Chase XXXX XXXX branch. When my banker called Chase after talking to the other branch, he was informed the other branch need to scan my brothers IDs and upload them to my account. This again is new to us. He communicated this requirement to the other Chase branch. Out of caution, I asked him to also upload my IDs in the system. I was informed the IDs will updated in the system in 24 hours. I called back on XX/XX/XXXX after 24hrs but the IDs are not there. The IDs were not uploaded until XX/XX/XXXX when I called. But only my IDs were uploaded, not my brothers IDs. The customer service specialist said to call back tomorrow and they can call my brothers Chase branch. I called back on XX/XX/XXXX and was informed my accounts have been changed to close pending. I requested to talk to a supervisor who hung up after speaking without me getting to say a single word to her. I called back again and was yelled at by another supervisor. He said both my brother and I have to go back to a Chase branch and try the IDs upload again. He ensured me if we go back the next day, my accounts can still be reinstated. On XX/XX/XXXX, we went back to Chase branches ( XXXX and XXXX XXXX ) again. The banker who helped my brother initially made a mistake and sent his IDs scans to the back office ( this is her words exactly ) instead of uploading it into the system. His branch manager stepped in and helped upload his IDs He also sent them to my branchs banker. My branch banker uploaded both my IDs and my brothers IDs as well to ensure they will go through. However when my banker called customer service, they informed him my accounts have been closed for good. My deposited check fund is still hold in suspension and the only thing they can offer is to open a new account which I declined. I was also informed the IDs will be uploaded in 24 hours. I called back the next day after 24 hours on XX/XX/XXXX, no IDs were uploaded except for the initial IDs upload on XX/XX/XXXX ( in the system by XX/XX/XXXX ). Today, XX/XX/XXXX, I called again and the IDs are still not there. My fund is still being hold in suspension by Chase. A quick search online showed many customers that got their accounts closed without proper communication from Chase. I also learned after various calls with them that their teams do not communicate with each other. When I was informed of certain timeline, it never actually happened. They also informed me the only way for them to contact the closing team is to write notes in my profile. Whether or not the other team read them is not confirmed. The Chase staff on customer support line are also extremely rude, unprepared, untrained, and lack of basic knowledge. I have bank statements and 2 phone calls recordings to prove my claim is legitimate. Once Chase closed my accounts, I no longer have access to my online accounts views either. The only way for me to access information is from the pictures of my accounts that I took. Ive been a Chase customer since XXXX with excellent credit score. There is no reason for Chase to exercise this predatory business model toward customer. Holding customers fund in suspension for weeks is unacceptable. I hope this complaint will reach the right person. Please let me know if I can provide any supporting documents. Thank you, | ||||||
| 03/14/2023 | Yes |
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Web | Servicemember |
| I am a Veteran living on a budget as every other XXXX in the world. I opened a checking account with Chase banking In XXXX 2023. This account I deposited XXXX on XXXX XXXX with a certified check and at the time I had just had a burglary at the residents that I sold so I talked with the teller explaining on the recent burglary and even gave a credit ID watch info provided by the credit bureaus. I also asked that since one of the items taken on the XXXX day of XXXX was documents that shown all sensitive identity info if my account could be placed in alert for fraud as well as had them issue a new debit card. This was supposed to go to a business box I recently opened after the break in so I could help eliminate possible future fraud. I also had talked to the branch XXXX at the local Chase Bank and explained my usage on the account being that of majority counter-based actions and that really the Atm was unnecessary. Although no way to know on what was to happen i quickly have to reiterate the great response was " it's already on the way ''.. I sit here today a veteran with no place to live right now since what my whole life savings didn't matter to you guys. on XX/XX/2023, one month later im at that same branch asking Chase branch managers on how is XXXX plus XXXX gone from my account. I was denied a checking purchase for lack of funds when I realized that this had happened leading me to my car trying to log into my chase online account only to find that my account was over ran by 4 other devices in two separate states. Some charges occurring in the two different states at the same time or close to time. Amazing I didn't die from XXXX XXXX then, but this would become the biggest mess of my life. The Police reports were already filed, and the banks had been prewarned that this is possible since all papers in my safe were stolen. I was assured that the baking group would make right and that the main concern moving forward was to stop all possible future frauds. I explain that this had been attempted already and that the account should be closed and opened fresh, but the lady proclaimed this would cause chase bank to slow up on the return of my funds and to continue with all my deposits. Since that day I have continued the counter-based business that i was receiving and have deposited XXXX in and out through the months but yet still no resolve. On the XXXX of XXXX. I even sent more updated police reports and fraud prevention company info that I was paying for. On XX/XX/XXXX still having no resolve I find that the chase department states the physical police report had not been located but, in a blessing, I retrieved the certified letter receipt that was delivered to the claims dep. I had sent along with the fax on the earlier correspondence. This day on the XXXX though I brought 47 pages with me in support of claim only to redo the fax again and certified again on the way but now that the J.P. Morgan chase was ending the relationship with me and refused to allow for me access to the funds that were active in the account. They claimed the account funds woud eventually be mailed but what about the XXXX dollars in disputed fraud that is pending. Also, what in the world has happened to Chase support on the issues its customers are facing in luau of the mistakes on their part. Not only did I go to them before but have so patiently corporate in this pure burglary that has occurred. Now Chase bank allowed for someone to spend XXXX dollars at a XXXX XXXX XXXX, XXXX dollars at a gambling facility in the other side of the XXXX and also at 2 other gas stations and gaming establishments spending excess of XXXX dollars and now terminating account no explanation putting me no way to receive my pension from service or weekly paycheck, I now am homeless with no telephone, my kids are hungry and yet they still haven't even mailed the funds for my closing suspended account let alone try resolve the fraud that they could have stooped on the XXXX of XXXX. The fraud alerts that were sent out never was responded to then why would it allow XXXX dollars in similar fraudulent chargers after the first time. I clearly stated on the XXXX, and XXXX of XXXX that this was not an account that I would have these kinds of business on and that it was for my deposit on my new home. I also stated the monies 95 % would be done at the counter in local branches because I didn't like the card missing and 2 mailed out to wrong addresses... I need some kind of resolve the local police have even confirmed the recovery of some of my documents that the police stated probably was going to be the answer to the identity theft charges as well as cloned cards possibly. I can also state that the hardships of having those monies stolen but need answers to why that Chase felt the need to terminate business with me & XXXX of my remaining monies that I was paying bills with. This is messed up I'll be out here with my family starving, embarrassed, and now losing my job over. | ||||||
| 12/03/2019 | Yes |
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Web | Older American, Servicemember |
| This is concerning an XXXX Rewards Card by Chase. This past summer I either lost this card or had my pocket picked in XXXX, Ala and over the next month somebody used this card to charge almost {$2000.00} to this account. First of all Chase should have contacted me as this is so unlike my spending habit for the length that we have had this card and they continued to allow and accept charges after they exceeded my credit limit. The facts are detailed below : On XX/XX/XXXX we spent the night in XXXX, XXXX and the next day on the XXXX we hit the road enroute to XXXX XXXX, XXXX, traveling down XXXX XXXX and we stopped for gas at a XXXX XXXX gas/convenience store, filled up and hit the road. It was while here that my card went missing, although I was not aware of it until a couple of months later. We usually do not use this card a lot, and I had no plans to use it for anything else during our trip ( we typically use XXXX XXXX for most of our travel expenses ) so thus I did not miss the XXXX Rewards card. We continued on down to XXXX XXXX for a few days, then over to XXXX, XXXX , XXXX XXXX and then back home to XXXX, XXXX where we arrived back home on XXXX XXXX. At this point I still did not notice my card missing as I had no reason to look for it. I do not receive a hard copy of my bill, just receiving an e-mail notification that my bill is ready to be paid which just shows minimum payment and balance owed and if those figures are close to what I expect I never open up my account to view the statement. So I got my statement ( believe that would have been XXXX ) closing date was XX/XX/XXXX and that statement had the first fraudulent charge of {$9.00} made at XXXX XXXX in XXXX, XXXX on XX/XX/XXXX. Because the amount was so low the balance owed was within the range that I figured it should have been so thus I never opened up the account to look at charges. But the next month was a different story, on my statement which closed XX/XX/XXXX there were charges totaling almost {$1700.00} and taking me {$160.00} over my credit limit. I was in shock and I panicked and called Chase right away to report this. In hindsight I should have waited a little bit to cool down and get myself under control but I knew we could not afford to take a hit like this. We are retired XXXX XXXX and did not handle it well. When I originally called Chase I was convinced that we were victims of a thing I had seen on the news called skimmers that criminals put on gas pumps to steal your credit card information. I am almost XXXX years old and never had lost a credit card before and when they asked me if I still had my card I said yes I did, but I was wrong. I did see a card lying on my desk which I found out later was my wifes, mine has still never been seen since XX/XX/XXXX when I used it for gas in XXXX, XXXX At that time Chase removed these that I said were fraudulent charges from my account. However later when their investigation showed that the actual card was used to make these charges, these fraudulent charges were put back on my account and my fraud claim was denied. When I realized that my card had been used and realized it was missing I called the XXXX police department spoke to an Officer XXXX XXXX, XXXX on XXXX XXXX and filed a police report. Then on XX/XX/XXXX I received a call from Investigator XXXX with the XXXX police department and he asked me if I could fax him copies of the credit card statements which I did the next day on XXXX XXXX. All told it looks like between XX/XX/XXXX and XX/XX/XXXX there were 32 fraudulent charges in XXXX totaling {$1800.00}. This is so unlike my credit card usage ever, I doubt if I have ever had this many charges in a year on any credit card I own except XXXX XXXX and should have been picked up and at least questioned by Chase fraud department plus allowing charges to exceed my credit limit by like {$300.00}. Bottom line is penalizing us solely because I was wrong, I misspoke when asked if I still had the card but it my opinion that does not justify putting the hardship on us to pay for these fraudulent charges. My integrity is impecible. I retired after spending 38 yrs with the XXXX XXXX as a XXXX XXXX for the XXXX XXXX XXXX, an arm of the XXXX XXXX and as such had signature authority to obligate funds on behalf of the XXXX. When I retired my boss gave a talk at my retirement luncheon in which she said that I had more integrity than any XXXX XXXX she has ever seen or worked with. I stand by that integrity. I am also a XXXX Veteran and served this nation with honor then I have Chase want to treat us like this. Chase likes to say that you are never responsible for fraud with Chase. This is fraud pure and simple, I did not authorize these charges, did not give permission to use our credit card. Uncalled for and I respectively ask that you intervene in this matter. The person we spoke to at Chase was XXXX, XXXX, extension XXXX. Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX | ||||||
| 10/21/2021 | Yes |
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Web | Older American |
| After 19 years living in the USA my wife and decided to retire and return to the XXXX XXXX, we needed to be close to our daughters given the pandemic. We have always banked with Chase while living in the USA. I was advised by a banker at my branch to change the type of account we hold due to reduced funds coming into the account, we were keen to be able to wire money to the XXXX as we still have monthly income from various sources. As advised by the banker, if we did not hold {$250000.00} in our account we would need to change the type of account and this would mean a daily wire limit of {$25000.00} with a transaction fee of {$50.00}, this turned out to be factually inaccurate as I can now see on the Chase app that I can still wire {$100000.00} per day at a fee of {$40.00}. After returning to the XXXX in XXXX I cashed in my 401K 's and held the money with Chase, the total account balance was over {$350000.00}. I called my banker to ask if I could write a check to my future son-in-law as it would require 12 separate wire transactions at a total cost of {$600.00}. She said I could write a check, but it would take 28 days for the funds to transfer. My future son-in-law hold a dollar account with XXXX XXXX in XXXX , he could debit the funds into his dollar account transfer to sterling at spot rate and then transfer the funds to me. On XX/XX/2021 I wrote the check in the sum of {$300000.00} to Mr. XXXX XXXX, he presented the check to XXXX XXXX XXXX that same week. On XX/XX/XXXX the funds were removed from my account. Although the funds had left my account, Mr. XXXX indicated that the funds were not in his account, I contacted Chase customer Service to ask why the funds had not been transferred and was advised it would take two weeks. By early XXXX I started to make inquiries with Chase as to the whereabouts of the money and was advised that the money had left my account and it was with XXXX XXXX XXXX. Mr. XXXX also made inquiries with XXXX based on information provided by Chase that the money was with XXXX, he filed a complaint with XXXX. I contacted my bank in NJ to ask where the money was and was advised by a banker and the bank manager to call the international number on the back of my card. I did this and the international customer service rep told me to contact the fraud team and ask to speak to a supervisor. I contacted the fraud team, spoke to a supervisor and they said I needed to contact the claims team and ask for a supervisor. I contacted the claims team and the representative said I could file a claim to find out where my {$300000.00} was. After speaking to a supervisor he said there was no claim to file and the money was with XXXX, he insisted several times there was no claim to file. On every occasion in speaking with representatives of Chase Bank they have said if the money is not in your account then its with XXXX and we have no way of tracking where the finds are, I find it incredible that in this day and age you can track a parcel, but have no way of tracking where {$300000.00} is. I do want to make a point that every time I am on the phone waiting for either customer service or a supervisor the calls drop at around 55 minutes, I have been advised by my cell courier this is a Chase setting. After the last dropped call, I called back and spoke to another supervisor from Chase claims, who again reiterated that Chase had no way of knowing where the funds were as they had left my account and were with XXXX. On every occasion I have spoke to Chase representative I have explained that XXXX were saying they did not have the funds. I have asked all the representatives the same question, where are my funds. On XX/XX/2021 I spoke with a supervisor and asked to escalate the issue to most senior levels at Chase, they said they would put me through to the escalation team but again the call dropped after 55 minutes. I got a call back that same day which is the first response, verbal or written, from Chase concerning this matter. The individual I spoke with again said the funds were with XXXX and they had no way of knowing where the funds were, she offered to send me the check with XXXX stamp, as of this date nothing has been received from Chase. XXXX provided Mr. XXXX with an update based on their due diligence, essentially XXXX nor the correspondent bank ( intermediary bank ), XXXX XXXX XXXX have received the funds and that they are still with Chase. I have forwarded the update email from XXXX to my bank manager ( XX/XX/2021 ) and asked him to be the point of contact as no one at Chase has taken any responsibility or ownership of this issue, he has not responded to any of my emails. This is my life savings and Chase can not tell me, or won't tell me where the money is. Despite repeated pleading in desperation, Chase have not provided one piece of correspondence or update, they fail to recognize a problem or the magnitude of the sum at hand. Please help me get some answers and find out where my money is. | ||||||
| 03/02/2021 | Yes |
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| On XX/XX/XXXX I was told by Chase credit card rep that there was a problem with my bank account. On XX/XX/XXXX I went to the branch to find out that someone was added onto my account, and that person withdrew {$30000.00} from my savings account. This took place in Florida on XX/XX/XXXX. Both my checking & savings had been frozen. XXXX helped me begin my claim at the branch. I initiated a fraud claim over the phone with XXXX on XX/XX/XXXX. I was told the investigation would take up to 30 days. On XX/XX/XXXX I found out my accounts were closed. XXXX told me that an affidavit will be mailed to me in 7-10 days. XXXX told me that the remaining funds in my account would me mailed in 5-7 business days. XXXX explained the details of the actual fraud. ( Total of 3 withdrawals made. ) On XX/XX/XXXX I received and submitted the affidavit. On XX/XX/XXXX XXXX told me my funds were suspended because I received an SBA loan which was deposited into a personal account. As an XXXX XXXX XXXX I qualified for a {$1700.00} SBA loan in XX/XX/XXXX. Since a personal checking account was used, I had to provide proof of business, and that I was the intended recipient of the loan. I contacted the SBA and was told to send them the signed loan agreement. On XX/XX/XXXX I submitted XXXX Schedule C form, SBA loan agreement and approval documents. I also submitted the full police report for my initial claim. On XX/XX/XXXX XXXX told me the theft claim was still open, no updates. On XX/XX/XXXX XXXX told me I needed an EIN to receive any funds. XXXX XXXX XXXX XXXX is not required to have an EIN by the IRS or the SBA. ) She said, " those agencies are External Operators. This is Chase policy. '' And that they can hold the money for 2 years before sending it back to the Treasury. I was told " this was not my money! '' I filed for an EIN online and submitted proof on XX/XX/XXXX. On XX/XX/XXXX XXXX told me the initial claim was still open. Call back next week. XXXX told me my documents were being reviewed. Call back next week. On XX/XX/XXXX XXXX told me the initial claim was still open, no updates. XXXX was then reviewing my submitted documents, but we were disconnected. Called back and spoke with XXXX. After reviewing my documents she checked with a manager for approval to release my funds. I was told that now the problem was that I was receiving Unemployment benefits. She asked, " Are you receiving UI for someone else? Why are there 2 payments each week? What's this {$300.00}? '' I don't believe that Chase bank does not know that Congress has passed stimulus bills that issued these PUA funds. The entire country knows this. I was asked to validate all of my UI payments. I submitted DOL documents on XX/XX/XXXX. XXXX with XXXX on XX/XX/XXXX regarding initial theft claim. I was told they never received the police report. ( faxed XX/XX/XXXX ) Spoke with XXXX about the suspended funds. I was told they never received the Unemployment documents. ( faxed XX/XX/XXXX ) Re-faxed and emailed all documents on XX/XX/XXXX. I was told to call back later that day. Later I spoke with XXXX regarding the suspended funds. I was told that all my documents were insufficient. The funds will remain suspended until I can provide proof of EIN prior to the date of the SBA loan. I told her that was impossible, the EIN did not exist at that time. ( I was and am not required to have one by the IRS or the SBA ). " Well, that's what we require. '' I have 2 years to provide that document before the money is returned to the State. I spoke with supervisor XXXX who repeated the same thing. I asked about releasing the rest of my money, minus the loan amount. ( {$13000.00} plus {$30000.00} stolen ) All funds will remain suspended until I provide a " backdated '' EIN. He will submit my request, but expect it to be rejected. He said they may release my Unemployment payments. ( May give me my Unemployment? ) These are Government funds! The SBA loans are Government funds! Pandemic Assistance provided by the Federal Government, and New York State. As an independent XXXX I file my income taxes as a XXXX XXXX. And EIN is not required as a XXXX XXXX. I teach XXXX XXXX to senior citizens. Much like many Americans, I have been out of work, or underworked, during this pandemic. I qualified for PUA benefits, which are Government funds. I qualified for a small SBA loan, which are Government funds. I, along with many independent XXXX, have had the help our Government has provided taken away. Chase has held ALL of my money now for 2 months. I would like my money returned, and Chase to be held accountable. The Federal and State Governments are helping so many people during this pandemic. Chase is taking away that help. They are " Holding '' ( Stealing ) not only these Government funds, but all of the money that has been deposited into our own bank accounts. Our money is supposed to be protected by bank regulations. I find it hard to believe that Chase Bank has more authority than the U.S. Government. | ||||||
| 09/22/2022 | Yes |
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| On XX/XX/XXXX, I received my refund check of {$6900.00} from a car dealer, after selling them my car the week prior. When I reviewed the check, I had a question regarding the variation of my name that was used on the check. I called chase customer service to ask if i would be able to deposit the check based on the name that was on the check and i do not have any id that has that kind of variation of my name. The agent told me that I needed to get a new check that matched my id exactly. I called the car dealer and explained the situation to the agent and requested that they send me a new check based on the ID that I sent them. They told me that they would. I then called the chase bank in my area directly and was told that the information given was incorrect and i could deposit the check. I then called the car dealer and spoke to a different agent but asked him to pass the message along not to cut a new check as i will be able to deposit the check afterall. I then went to my local chase bank and deposited the check. To my dismay, on XX/XX/XXXX, I received a second check in the mail with a different variation of my name. I called chase right away and they recommended that I come in and deposit the new check. I went in and deposited the check and explained what happened after being told that a stop order was placed on the first check. I was told that my new deposit would not be available until XX/XX/XXXX. I told them I understood, based on what happened with the first check. On XX/XX/XXXX, at XXXX, I checked my account and noticed that the funds were released. In the afternoon, I went to purchase some items at my local XX/XX/XXXX and was advised that my card was declined. After logging into my account it showed that my account had a notation with XXXX Debit of {$6000.00}. When I called chase, I was told that my account was closed and I would receive a check with the balance within XXXX business days. I advised the agent that it unacceptable as i have been waiting for so long. He recommended that I call back on Monday as the department that would issue the check does not work on the weekend. I called on Monday and the next representative told me that in order for them to release the funds, I needed to provide them with a phone number that can be verified through their system that is called lexus nexus. I provided the phone number that was listed on website, the agent advised that is not accepted. I asked if there were any other option available, he said that I needed someone from MB to get a certified letter and go inside the bank with XXXX forms of id to confirm that they indeed gave me that check. After hanging up with the agent, I spoke to the office manager of the car dealer, she was the one who actually signed off on the actual check, we did a XXXX way call with herself, me, a virtual banker from chase and an agent from chase 's fraud department. After spending over an hour on the call, they still would not accept her phone numbers. She asked if she could have the VP of XXXX Bank contact them, to verify that they are indeed a legitimate business, the agent advised that they would not accept it. We asked what could be done to get my fund released, they said that the car dealer could put a stop order on the check. The office manager then advised that is not possible as chase had already cashed the check from XX/XX/XXXX. We got off the call with no resolution. On XX/XX/XXXX, i tried again with a chase virtual banker and I was advised that they changed their policy and would no longer accept a certified letter from the company. I was told that unless i provide them with a number that their system accepts then the fund stays with chase. The virtual banker told me that there was nothing else that she could do. she said that she had escalated my case and that it should be picked up by a case manager soon. The case manager called me on XX/XX/XXXX and was again advising that a stop order be placed on the check. I told her it was already cashed by chase and that option is no longer available. she said that the issuer 's bank can recall the check. I contacted the check issuer and they again told me that they could not recall a check that was already cashed. On XX/XX/XXXX, after leaving numerous messages, the office manager of the car dealership called me back and advised that the VP of her bank would make an effort to try and connect their fraud department with chase 's fraud department to request that they return the funds to the issuer. I provided her with the information of the virtual banker that I was dealing with and he advised that the chase agent was unwilling to do this and advised him that a banker will be reaching out to me to resolve the issue. As of XX/XX/XXXX, I have received no such call. My account had a negative {$900.00} because the funds from the first check was released for a short period and I owe quite a few persons that I needed to payback and was transferring the funds to get them paid. | ||||||
| 09/08/2022 | Yes |
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| XXXX XXXX XXXX Attachments XXXX XXXX ( 47 minutes ago ) to XXXX Dear Sir/Madam My name is XXXX XXXX XXXX Over the course of 3 months or so I have been working with a team of specialists to recover funds from JP Morgan Chase. However they have recently gave me a letter stating they are not responsible for actions relating to transactions from my Chase checking account in which funds were being transferred to a fraudulent company .So I have attached a letter to highlight their irresponsibility and demonstrate the proper measures that should be taken towards them to help others not fall victim to the situation that fell upon me. Below I have attached their recent statements that reflects the current stance on the matter. It has in detail the amounts and wire transfers you would need. I plead for your full attention on the matter and would be truly grateful if my requests would be expedited by your department. Certainly amends would have to take place in order to protect consumers like me in the financial investment industry. Hello XXXX, Thank you for contacting Wire Research. We received your request dated XX/XX/XXXX for a wire transfer in the amount of XXXX USD dated XX/XX/XXXX, XXXX USD dated XX/XX/XXXX, XXXX USD dated XX/XX/XXXX, XXXX USD dated XX/XX/XXXX and XXXX USD dated XX/XX/XXXX. We have acknowledged your request for a case follow up for this wire transaction/reference number. XXXX USD dated XX/XX/XXXX - XXXX XXXX USD dated XX/XX/XXXX - XXXX XXXX USD dated XX/XX/XXXX - XXXX XXXX USD dated XX/XX/XXXX - XXXX XXXX USD dated XX/XX/XXXX - XXXX The status update is as follows : For XXXX USD dated XX/XX/XXXX We received another message from the beneficiary bank on XXXX stating, " YOU ARE CLAIMING THIS IS A FRAUDULENT PAYMENT, PLEASE PROVIDE POLICE REPORT AND INDEMNITY ASAP. PLEASE COMPLETE BELOW TEMPLATE RETURN. IF WE DO NOT RECEIVE COMPLETED INDEMNITY WITHIN 5 BUSINESS DAYS, WE WILL NO LONGER CONSIDER THIS AS RECOVERY OF A FRAUDULENT PAYMENT WE WILL TREAT THIS AS COMMERCIAL DISPUTE, PYMT MADE IN ERROR. WE REFER TO REFERENCE VALUE DATE FOR CCY AMOUNT IN FAVOUR OF NAME, XXXX XXXX, ACCT DEBITED FROM OUR ACCOUNT HELD WITH YOU PAID TO THE ABOVE ACCOUNT ON VALUE DATE. WE CONFIRM THAT WE BELIEVE THIS TRANSACTION TO BE FRAUDULENT. WE UNDERSTAND THAT XXXX XXXX BRANCH WILL BE ISSUING A RECOVERY REQUEST DIRECTLY TO XXXX XXXX CONFIRM APPROVAL FOR SUCH REQUEST. IN CONSIDERATION OF XXXX XXXX XXXX, RELEASING TO US THE SUM OF UP TO CCY AMOUNT RECOVERED FROM THE BENEFICIARY ACCOUNT AT XXXX XXXX WE, FULL LEGAL TITLE - ENTITY NAME AGREE TO KEEP YOU INDEMNIFIED AGAINST ALL ACTIONS, PROCEEDINGS, CLAIMS AND DEMANDS WHICH MAY BE BROUGHT AGAINST YOU AND ALL LOSSES, COSTS, CHARGES, DAMAGES AND EXPENSES WHICH YOU MAY INCUR OR SUSTAIN OR FOR WHICH YOU MAY BECOME LIABLE BY REASON EITHER DIRECTLY OR INDIRECTLY OF YOUR HAVING RELEASED THE AFORESAID SUM TO US. '' Please contact the Customer Claims department at XXXX XXXX XXXX for assistance with following up on their hold harmless letter request. For XXXX USD dated XX/XX/XXXX We received the wire reversal credit on XX/XX/XXXX For XXXX USD dated XX/XX/XXXX We received another message from the XXXX XXXX on XXXX stating, " IN RESPONSE TO YOUR ENQUIRY DATED XX/XX/XXXX REQUESTING A RECALL OF FUNDS FOR YOUR PAYMENT AMOUNT XXXX VALUE DATE XX/XX/XXXX YOUR REFERENCE XXXX BY ORDER JPMORGAN CHASE BANK XXXX XXXX XXXX BENEFICIARY ACCOUNT PAYMENT DETAILS PLEASE BE ADVISED THAT WE HAVE CONTACTED OUR CLIENT FOR DEBIT AUTHORITY ON A NUMBER OF OCCASIONS, BUT AS OF TODAY HAVE NOT RECEIVED A RESPONSE IN REGARDS TO YOUR RECALL REQUEST. WE RESPECTFULLY SUGGEST THAT THE REMITTER AND BENEFICIARY SETTLE THIS MATTER DIRECTLY. SHOULD YOU HAVE ANY FURTHER QUESTIONS IN RELATION TO THIS PAYMENT PLEASE DO NOT HESITATE TO CONTACT US QUOTING OUR REFERENCE XXXX. KIND REGARDS, USD FT INVESTIGATIONS '' we recommend that you contact the Beneficiary directly or settle this matter outside of Chase which may involve law enforcement or legal action against the beneficiary. For XXXX USD dated XX/XX/XXXX Upon checking, the Investigation Team already responded to the XXXX XXXX on XX/XX/XXXX we recommend that you contact the Beneficiary directly or settle this matter outside of Chase which may involve law enforcement or legal action against the beneficiary. For XXXX USD dated XX/XX/XXXX an email was aalready sent to the bank on XX/XX/XXXX stating, " Please be advised that we have tried to contact XXXX on several occasions requesting Return Of Funds. As of today we have not received any response. We kindly recommend that you contact them directly if matter remains outstanding. '' we recommend that you contact the XXXX directly or settle this matter outside of Chase which may involve law enforcement or legal action against the beneficiary We hope this information is helpful. Please let us know if you have any additional questions. Thank you, XXXX XXXX XXXX ============================= Best Regards XXXX XXXX | ||||||
| 10/01/2017 | Yes |
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| On Thursday XXXX XXXX Chase Bank allowed XXXX to use a debit card to draw funds from my checking account, that both I and Chase bank agreed to close about a year ago, for security and fraudulent protection purposes. Never in my 40 years of doing banking have I ever had a bank allow one of my creditors to access funds from my account through a credit/debit card or account that had been officially closed by the bank. My experience has always been that if a bank closes my account or credit or debit cards, then those accounts or cards could no longer ever be used as a link to other accounts our assets that I have with the bank that are open. When I called Chase about this, and spoke with their front line claim specialist both on Friday XXXX XXXX and Saturday, XXXX XXXX, these specialist both said they had never seen this type of transaction occur before, and they agreed with me that they could not see how the bank could allow these types of transactions to occur. However, when I spoke with their senior specialist on this matter, she said this is a common practice. I told her I never experienced this and given the compromises to half of America 's financial information this summer by one of our credit reporting agencies, I could not see how Chase would ever allow this to be a common practice. Chase has temporarily, refunded to me the money that XXXX withdrew from my account with a debit card that was supposedly closed for over a year, but they said if they go back to XXXX and discover that legal zoom had a legal claim on my funds they would reverse my refund. What I have a problem with is Chase allowing XXXX to charge my checking account with a debit card that was been closed for more than a year. For all of my working life, when I have closed an account and a creditor needs to get automatic payments started again, the creditor call, sends letter or emails, alerting me to the fact that they need new card or account information where they can can withdraw funds - Chase appears to have by-passed this step, giving creditors, access to my checking account through a debit card, that has been closed for a year, opening that account for this creditor to debit my account, but when you look on the financial record of my account with chase, it says that that debt card account is closed and is not open to anyone or any company to be used to take funds from accounts that is had been linked to in the past. That is what a closed account means. I believe Chase 's senior claims representative was lying or being told to lie to me about what the actually policy is on creditor use of Chase bank customer closed accounts. Every time I asked her the specific question, does chase have a policy and does chase regularly allow selected creditor customers to use closed accounts or closed debit card accounts that are tied to banking customer checking accouts, so that those selected creditor customers can draw funds from banking customer accounts, even though those closed accounts or closed debit card accounts were closed specifically for the purpose of protecting banking customers from unauthorized transaction on banking customers open accounts. At no time did Chase inform me that the closed debit card account that that was supposedly no longer linked to my checking account, was opened for XXXX and again linked to my checking account, allowing XXXX to draw down funds on my checking account, through a debit card account and transaction that was closed a year a go or more, without ever informing me or my wife that that account was reopened and allowed to be used by XXXX. I am not a lawyer, but this seem like very very abusive behavior by the bank in support of creditor clients and the gross disadvantage of consumer banking customers. My wife was just lucky to catch this. She asked me on Thursday XXXX XXXX, why was XXXX withdrawing funds from our account. Had she not noticed this, XXXX and many other creditors could be and may have already been withdrawing funds from my account, using past and closed credit cards that I am not aware of. They could be steeling 10 dollars here and {$20.00} there, each week or each month over millions of customers, resulting in cyber theft in the {$100.00} 's of millions or ; Billions per year. Who knows, because most consumers do not have time to check every transaction that is occurring in their account, especially if those transactions are with familiar creditors who are using existing credit card accounts, but with accounts that are closed, but the terrible thing is the banks are not alerting their customers that they are allowing selected creditors to directly charge their accounts with debit cards or accounts that consumers thought were closed and could not be used ... ... ... ... ..This appears to be big banks using their abusive market power, knowing individual consumers do not have the time, resources or understanding to identify and challenge these abuses. Please help me put an end to this practice | ||||||
| 01/15/2020 | Yes |
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Web | Older American |
| I am an XXXX-XXXX senior citizen for whom this type of crime is often perpetrated and upon whom financial institutions often prey with unfair business practices. I respectfully request the assistance of the CFPB in resolving this issue. From XX/XX/XXXX through XX/XX/XXXX, my Chase credit card was used for several thousand dollars in charges without my authorization. Most of these charges were with online or mobile application services like Amazon.com and XXXX where the credit card number was used on such accounts that did not belong me. During this time, the card was not reported stolen or lost as it was in my home or on my person whenever I needed it. My accountant, who routinely reviewed the monthly paper credit card statements, stopped receiving the paper bills because the account was switched to " paperless billing '' unbeknownst to me or the accountant. In order to keep my accounts in good standing, I have all my credit cards including this Chase Visa setup with automatic bill payment of the minimum balance due. Therefore, although the paper statements were no longer being viewed, the minimum payment continued to be paid on the card each month. In XXXX of XXXX, I received a voicemail from Chase that the automatic payment failed and mentioning the balance on the card was over {$73000.00}. I notified my accountant who assumed, as I did, that there must be a clerical error or simple misunderstanding as I have no credit cards with a limit near this amount. [ Note : the stated limit on this Chase card is $ XXXX. ] I requested Chase put a hold on the account in XX/XX/XXXX to allow time for me to review the account with my accountant ( which took some time as I also dealt with a caner diagnosis with a parent ). When I contacted Chase in XXXX to report fraud, I was told I needed to specify the individual charges in question. I left the account on hold to then prepare a list with my accountant of all the charges dating back one year. I reported the specific fraudulent charges to Chase by phone in XX/XX/XXXX. The charges were reversed and I waited nearly two months assuming Chase was investigating the charges with vendors to gather specific details of what had occurred to inform how I might proceed. On XX/XX/XXXX, nearly two months later, a Senior Specialist called from Chase. To my surprise, during the call I learned that no vendors had been contacted and that the charges were to be re-instated. The Senior Specialists decision was apparently based on the fact that payments were regularly made to the card and the time frame of the charges and their reporting. Both of the circumstances surrounding the basis for the decision seemed irrelevant to the fraud itself. Furthermore, the Specialist could offer no explanation as to why the account was allowed to go far and above the stated credit limit. After the XXXX call from Chase, I contacted Amazon in an effort to do my own investigating since Chase had not done so. The Amazon rep did inform me that they can not offer information on other accounts, but was kind enough to tell me that one account other than my own did exist that used this Chase Visa number. During my talk with this rep, I mentioned the name of a long-time, trusted friend that had been assisting in my home office. The Amazon rep stopped me and said that this was the name on the other Amazon account. I realized then that these charges were NOT a clerical error or mistake and, instead, a theft. I then reported these findings to the Federal Trade Commission and the XXXX XXXX Police Department Fraudulent Crimes Unit. I've provided the FTC report ID and XXXX case numbers to Chase via email. In a phone call this week to yet another Senior Specialist, I was told that the continued payments on the accounts make me liable for the charges ( remember the account is setup with Autopay ). Also, I was told that I did not reasonably protect my card. However, I have given Chase no indication of anything other than normal practices like having the card in my wallet or in a drawer in my home office. When asked again for explanation as to why Chase allowed charges far exceeding the card limit ( and in effect, further mitigating the scope and cost of the fraud ), I was transferred to an off-shore call center where the Chase representative simply stated that authorizing charges was at Chases discretion. When I pressed for more reason for such lacks risk and fraud management on Chase 's part, the rep replied that the charges seemed within the card holder 's normal purchasing habits. However, on the contrary, in the nearly two decades I have had this card, I have never exceeded the credit limit. Also, though I have an Amazon account, I never made more than a handful of charges in a single billing period. During the time frame of the fraudulent charges, several charges ( sometimes even ten to twenty ) PER DAY were being made to accounts like Amazon and XXXX ... in no way near my " normal '' charging habits. | ||||||
| 01/23/2018 | Yes |
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| PLEASE NOTE ; I checked several boxes that were the best choice yet not nearly sufficiently descriptive of the problem. The following problems exist ; 1 ) Chase has deliberately damaged my credit and ignored all legal requirements under the FCRA 2 ) Chase has deliberately provided a non-existent address to prevent communication. 3 ) Chase has and continues to " blackball '' me within their system without explanation. As part of the " blackball '' was an immediate revocation of all credit lines, FCRA requires them upon request to provide details. They have both refused ( even to senior bank officials within Chase ) and provided non-deliverable addresses. 4 ) These violations have been ongoing more than five years starting in XX/XX/XXXXOn XX/XX/XXXX Chase without warning closed ALL accounts that I had with them. This includes two checking accounts and two credit cards, the closure of which negatively impacted my credit and caused financial hardship not only in the credit score degradation but in my immediate access to the funds those credit cards provided. Not only was my credit score impacted but notations that caused difficulties in forming relationships with other banks were placed at " XXXX XXXX '' a financial services credit reporting agency. Again, the failure of Chase to answer my inquires as to " why '' is a full violation of the basic tenants of the FCRA. I was not a tiny customer of Chase. I had ( and still have ) three mortgage loans serviced, and likely owned, by Chase. A few months prior to the closure they originated two new mortgages for me. I was being groomed by the local branch manager business relationship specialist for more and more business and had a one on one relationship with this manager for any problems that might arise. When the XX/XX/XXXX " Blackball surprise '' occurred, I reached out to this individual at Chase local branch, XXXX XXXX. XXXX XXXX ultimately spent several months attempting to get information. He failed at every try and remarked to me that Chase was treating him like an outsider as opposed to a branch manager. I made multiple inquires via phone. I was 100 % stonewalled. Please note that I never mis-handled either my credit cards with Chase or my checking accounts with Chase. Payments were always made on time and sufficient funds were always in the checking accounts to cover obligations against those checking accounts. After the accounts were closed I received virtual " threat letters '' from Chase demanding payment for obligations that came due to the closed accounts after the accounts had been closed ( by Chase ) I responded at the speed of light to these threat letters. I was unwilling to question the threats and said threats often arrived without even documentation of the obligation they were demanding money for ... under threat. With the power of Chase, I could hardly fathom the damage to my life Chase was capable of and sent the money " sight unseen without obligation documentation '' Clearly, I sent too much. A few months later I was refunded {$290.00} Eventually I moved on to other things as I could get nothing but stonewalled by Chase. Even the personal Chase representative was stonewalled. Two and a half years later I went to the Chase website to open a personal checking account to facilitate easier payments to the three mortgages that Chase services. I was successful at opening the account ... or so I thought. Just a few weeks later the account was closed. I had not used the account yet, so this was clearly a result of the XX/XX/XXXX" XXXX XXXX style blackball of my name and credit. This time I went directly to the address provided on the letter asking for answers. The letter was sent USPS Express and was returned BAD ADDRESS. That is correct ; Chase provides a non-working address to stymie any inquiry and evade the responsibilities they have under various federal banking laws and credit reporting requirements including the FCRA Again, notations were made at " XXXX XXXX '' that hurt my future relationships with other institutions and can cause other harm. A few months ago, late XXXX, I attempted to open a checking account at the Chase website once again. It had been more than five years since the original blackballing of my business and personal name alike and I still wanted ( and want to ) facilitate easier payment of mortgage obligations to Chase. I was also hoping to see the " blackball '' gone. The website would not let me open an account. I went to the local branch. The banker on duty made a phone call to a senior Chase individual and confirmed to me that I was " blackballed '' and worse, yet he could not provide any explanation of why. I have been damaged and continue to be damaged by Chase. The American tax payors bailed Chase out during the crisis on XXXX. I pay plenty of income tax every year. My money has been used by Chase to damage my credit, damage my business, and damage my mental and emotional wellbeing. | ||||||
| 05/19/2020 | Yes |
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| I am the victim of identity theft and fraud through an ex girlfriend which occurred over a two year period from XX/XX/XXXX until XX/XX/XXXX. I filed charges against this person for impersonating me and stealing thousands of dollars through 3 credit cards of mine, Chase, XXXX XXXX XXXX, and XXXX. Two of these cards, XXXX XXXX XXXX and XXXX cleared the fraudulent debt immediately with no trouble, but Chase has continued to improperly report this debt to intentionally damaged my credit report through false reports. I have attempted to resolve this issue for more than a year on my own to no avail. The Chase card " investigators '' of the fraud claim have fabricated information making such claims as I provided access to these cards on my own free will, allowed the ex to use them, and even that I was liable because we co-habitated making this a civil matter. I have asked them for documentation to show me where this evidence was gathered, but they refuse. I have never allowed this ex to use my cards and made it clear she took them without my permission, yet they filed reports that it was consensual and permission granted. I have asked for copies of their card agreement with the section highlighted showing me where this would be considered civil as a basis for this decision and they refuse ( I presume because it does not exist ), and have even asked for a copy of my agreement to where I signed this agreement binding me to these terms and contract, to which one was never been provided, either electronically or through the mail. At no time was the person who stole this money given permission to access or use my credit cards, thus resulting in XXXX XXXX XXXX with my local police department of identity theft and credit card fraud. I have provided these police reports to Chase who refuses to accept them. Instead, Chase insists this matter is civil as a way to avoid honoring their fraud guarantee they promote in solicitation of their cards. When asked how I am not protected on this fraud protection guarantee, they continue to state their review has resulted in the investigation being deemed civil. Chase is knowingly damaging my credit for a debt they have been provided proof is not the result of my actions. They refuse to accept these documents and are the only company I have had any issues with as a result of this fraud. I have provided disputes to the credit bureaus and XXXX XXXX deleted the entry, yet XXXX and XXXX continue to report this charged off card as valid because they state Chase has provided them responses that the debt is valid. In just XX/XX/XXXX Chase falsely reported to XXXX that the police report provided to them as proof of the fraud was in of itself a material misrepresentation! Chase will stop at nothing to cause me damage on my credit in an attempt to force me to settle on this debt which is entirely a fraudulent account. I have no other late payments or derogatory marks on my credit history other than Chase. I have threatened Chase with legal action, to which the representative literally laughed stating I was bound by their arbitration agreement and they would choose the arbitrator and I would have to pay, so " good luck ''. I understand this clause is an attempt to save time in the court system, but it is also to make it impossible to provide a fair trial in front of a judge. I then suggested Chase should simply sue me in court if they felt it was a justified debt, because I would never repay this debt and would be happy to explain this in front of a judge who would dismiss their case. Naturally, Chase refuses to accept this offer because they know they can not win as my evidence and officers who took the fraud report and investigators working the case can testify to the legitimacy of the fraud. The attempt by Chase to prevent me from having this account deleted is purely for intentional damage to my financial health as well as to harass me to try to get me to break and settle this debt. Since I have attempted all other solutions, I am reaching out to your office for assistance in this matter. Chase is quite literally keeping me hanging in limbo and chooses not to take any actions of collection or court proceedings knowing they will lose, but also refuses to accept the documentation that this account was the result of Fraud. So at the suggestion of an investigator at the XXXX, NC police department, I am filing a complaint with your office with the hopes of finding some type of resolution to this matter. It is obvious Chase knows they can not be sued by me and thus are using the Davis vs. Goliath mentality to push my back against the wall and try to blackmail me into paying them money to restore my credit. I refuse to cave into their intimidation tactics and lack of moral and questionable legal tactics and would to please like to request your assistance on this matter. If a police report with XXXX XXXX XXXX listed is not enough to provide proof of the legitimacy of this case, what is? | ||||||
| 11/04/2019 | Yes |
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| XX/XX/2019 REF : COMPLAINT ON AMAZON CHASE AND XXXX CHASE VISA CARDS The incident was initiated in XX/XX/2019 when my brother has the home foreclosure and the family was seeking out the loan to help him. They came to the loan company : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Alaska XXXX XXXX https : XXXX KEY RING : XXXX XXXX, Director ( XXXX ) Direct line XXXX XXXX, CFO ( XXXX ) XXXX XXXX, Senior Account Manager ( XXXX ) This loan company ( XXXX ) got hold of my cards in XX/XX/2019 and claimed that they needed the physical cards to process the loan to the card and transferred to my brothers bank for loan . The credit card on file and the physical cards are the loan requirement. I had never done any business with XXXX/loan company before. The loan amount was {$60000.00}. My brother did not receive any loan as promised. There was XXXX balance for my XXXX Visa card and {$440.00} for the Amazon Visa before the XXXX XXXX was using my credit card and made charges. They claimed to load the loan amount to the credit card by using the card and transferred to the XXXX bank for my brother. In XXXX, I filed the Fraud claim against XXXX XXXX and they called me back and said that they would not pay for all the credit adjustment if there was a Fraud claim against them. They asked me to close the case and they would not pay. In good faith, I was trying to work with XXXX directly myself. I closed the Fraud claims with 9 credit card banks, including the Chase. I was told that the XXXX would pay for all credit adjustment in XX/XX/2019. It was dishonored. I was trying to reopen the Fraud claims against the XXXX in XX/XX/2019. Chase however refused outright the SECOND CHANCE on FRAUD dispute and declined to reopen the claim on my behalf. I was bounced between the Fraud and Billing dispute departments. The Fraud declined to take my case as the loan company was given the card info and had the cards. Chase said that it was not FRAUD BY THEIR DEFINITION. I explained to the Fraud team that the card was provided for loading the loan to the card purpose ONLY, FOR LOAN PROCESSING. Any reason deviated from the loading card with the loan was FRAUD. The Chase Fraud Department simply turned the deaf ears to me and flat out rejected any Fraud claims. Instead, I was told to submit all the documents to Billing dispute because the FRAUD TEAM will not handle my AMAZON and XXXX Chases Fraud. Chase proclaimed that I accepted all the transactions as valid in XX/XX/2019 and the Chase refused to reopen the Fraud case even though those are the Fraud charges. Accordingly, the Billing dispute CLOSED MY DISPUTE claim on XX/XX/2019, saying that it should be handled by Fraud team due to the unauthorized charges that I have no knowledge about each individual merchant and the charges for in the entire bills. The Fraud and Billing departments BOTH DECLINED any responsibilities to handle this Fraud and unauthorized billing claims for AMAZON and XXXX Chase cards. They kept bouncing me back and forth for the month of XXXX and XX/XX/2019 despite of numerous faxes and evidence for supporting documents sent to Chase. Finally, Fraud department declined my case, and the Billing dispute closed my case and both statement balances are sent to the Collections. The reason I closed the Fraud claim in XX/XX/2019 as I was trying to work with the loan company in good faith, but the Fraud claim ITSELF WAS VALID. The Chase Fraud simply did NOT WANT TO LISTEN any explanation. It is the FRAUD that the loan company did not honor what they promised and fraudulently charged the {$18000.00} ( minus {$440.00} my own expenses before Fraud ) on the Amazon credit card, and {$3700.00} on the XXXX Chase credit card fraudulently claiming that it was for the loan processing to load the fund for my brothers loan. I am seeking that Chase to reverse the charges that was fraudulently charged to my both Chase XXXX and Amazon credit cards and DO THE RIGHT THINGS FOR THE GENERAL PUBLIC IN THE EVENT OF FRAUD. This claim is Fraud and it is the NON TRADITIONAL FRAUD. IT IS FRAUD. ( XXXX has credited the entire balance of {$24000.00} due to Credit Card Fraud in XX/XX/2019 ) I have filed the Criminal report at the State of Alaska against the XXXX XXXX, police report in XXXX, FBI online, XXXX, Attorney General complaint, NC and Federal Trade Commission, NC. Thank you for your meditation in this process and I look forward to hearing from you regarding the positive resolution from AMAZON and XXXX CHASE. Best, XXXX XXXX XXXX ( XXXX ) 9 Credit card Account Holder XXXX XXXX This Financial Crime involves the total balances of approx.. {$120000.00} for 9 credit cards XXXX {$5600.00} XXXX {$24000.00} XXXX XXXX {$39000.00} XXXX XXXX ( {$3400.00} my own expenses ) XXXX XXXX {$3200.00} XXXX XXXX ) {$1100.00} AMAZON Chase {$18000.00} ( My own expense is {$440.00} ) XXXX Chase {$3700.00} XXXX {$3300.00} Thank you for your review and all my credit cards were closed by the banks in XX/XX/2019. | ||||||
| 03/20/2018 | Yes |
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| I ASK THE BANK TO CLARIFY ANY AND ALL OF THIS COMPLAINT. STATEMENT LIKE " WE TOLD YOU WE CAN NOT ACCEPT THE FUNDS '' IS NOT AN ANSWER. XX/XX/XXXX ... Applied for Home Equity. Approved for {$50000.00}. To date, no title search can be located. My income was {$630.00} per month. Value of home by County Auditor was {$66000.00}. No inspection of the home. No termite inspection. My Mother was legal owner via life estate. Major termite damage was found in XX/XX/XXXX. I did not live in the home until XX/XX/XXXX. XX/XX/XXXX ... My mother created a life estate making me the remanderman. She would remain in the home until her death at with time I would become the legal owner. The legal description at this time was flagged by the County Auditor as in adequate by today 's standards and needed to be surveyed and a new legal descripion before next transaction. Other than family. XX/XX/XXXX ... On the advice of an Attorney, I sold a portion of the property. The Attorney said it was free and clear. Although the deed was notarized on XX/XX/XXXX, it was not recorded until XX/XX/XXXX. In XX/XX/XXXX I had signed my Mothers name and the Recorder said I had to sign my name POA for and then my Mothers name. I went to the Attorneys Office XX/XX/XXXX and added this to the deed. Ohio law does not allow to add to an already notarized document. This wold require a new deed. The Attorney also included a deceased person on the deed. Therefore, a Probate action is required to have the person removed from the deed. XX/XX/XXXX ... Foreclosure action filed. A Preliminary Judical Report filed by Banks Attorney. The preceeding information is included in this report. The Bank continues to say that it was unaware of the sale. There were three Attorneys invloved in this Court action and the issues still exist. At least the Bank Attoreny should have made the bank aware of all. The foreclosure was dismissed due to an agreement of The Hardest Hit Fund ( Save The Dream ) The Bank was offered {$25000.00}, to bring the loan current and a modification. The Bank denied. The Bank states they have explained to me many times why that could not accept the offer. The only explaination is The Bank could not accet the funds. This is not an explanation. The Bank accepted the offer of making 18 months of payments. The only relief from this offer was not having to make a payment for 18 months. After the 18 months, not able to make a high payment still exist. Prior to the Foreclosure and until the present a modifiction was always denied. I was told once by a Bank Rep that I could not be approved for a Mod because I was behind on the payments. XX/XX/XXXX ... Request for modification. I have a letter from the bank dated XX/XX/XXXX, requesting Quitckaim or Warranty Deed, to be received by XX/XX/XXXX. XX/XX/XXXX ... Approved for a Trial Payment Plan for my loan. I made three payments of {$230.00}. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was advised to be sure to make the payments and a permenant modification would be made. I never received any information after making the last payment. XX/XX/XXXX ... Letter from the Bank, XXXX XXXX, mortgage assistance is canceled because they did not receive information about the title to the property. XX/XX/XXXX ... Letter from XXXX XXXX. Request for mortgage assistance. Nothing mentioned about property Title. As stated above XX/XX/XXXX, Same person tells me that my assistance is camceled because of the title. I only spoke to XXXX XXXX one time. Im tried to explain my situation to her but she would talk talk. I have asked for this call to be reviewed. XX/XX/XXXX and XX/XX/XXXX ... Survey estimate. The Bank says I objected to a survey.. Not true XX/XX/XXXX ... Letter to the Bank requesting assistance for the survey Myself and XXXX XXXX had a conference call to the Bank and discussed the requested concerning the survey. XX/XX/XXXX ... Email from XXXX XXXX concerning a call from XXXX XXXX at the Bank. This person had no authorazation to contact anyome or speck to anyone concerning my account. XX/XX/XXXX ... Assistance application to County Corp, HUD approved counceling. XX/XX/XXXX ... Another letter requesting Title information. I was approved for another trial of 3 payments but was told that if the title issue still remains that I would not be approved for a permanent Modification. Also this trial payments is only a few dollars les that an actual payment. XX/XX/XXXX ... Received a call from XXXX XXXX advising the the Bank would not assist with the cost of the survey. He stated that the Bank transferred iot to their Attorney and the Atorney would get the survery done. I called the Attorney on XX/XX/XXXX and was told they ask the Bank for funding and it was denied. The Bank is treating me very unfairy. I am constantly being told that I sold a portion of the property with notifying the Bank, how many months I am behind and there is not a sale date..HOW CAN THERE BE A SALE DATE WITH GOING THROUGH THE COURT PROCESS?? | ||||||
| 04/13/2021 | Yes |
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| I have tried to get help from you for a very long time. Both the FDIC and Federal Reserve sent me information claiming they forwarded this information to you. Prior to XX/XX/XXXX never heard of XXXX XXXX after my car was stolen on XX/XX/XXXX. The police in XXXX lied about me. Lied about my witness. Made derogatory comments meant to discredit me and it worked. I was denied a protective order and received an email from my attorney with XXXX sending some fraudulent info regarding everything to do with this claim. I got money back from the bank so it was not a repo. The police did nothing here in XXXX and I have been denied all my civil rights. Then in XX/XX/XXXX I found out all the change of addresses XXXX was making with XXXX XXXX. That same date the IRS told me thank you for my ihquiry when I had not made any. This is because my ex husband is committing federal crimes and public corruption with the police in XXXX giving special treatment for XXXX XXXX XXXX and his attorney. I wasn't even told they all met on XXXX sometime. My husband totally smeared my reputation and the XXXX Police made comments that were fraudulent and extremely ruined my reputation And the XXXX cop went out of her county and to the dealership twice and she took out inquiries out of my credit report. When the Reinvestigation of XXXX came through my XXXX docs. Not through my email nor through the mail. All of my evidence comes from the computer that is so hacked it does not recognize me. Anyway in XX/XX/XXXX XXXX showed the guilty parties. It showed my car started out in my correct name of XXXX XXXX XXXX which is exactly how I opened accounts with XXXX 's and XXXX. But after the dectective does her thing, my information in the report is fraudulent. It has a wrong birthdate for me, a wrrong address and my name was spelled wrong. But I still had a XXXX, TX address even though I haven '' t lived there for 5 years. Then in XX/XX/XXXX I got another XXXX XXXX report and it clearly shows a report generated by XXXX XXXX with my name as XXXX XXXX and it showed all the illegal actions my husband while he uses the security instruments from deeds that are still community properties he has stolen from me. He steals the car and it becomes a stock. In XX/XX/XXXX, XXXX XXXX shows all the actions XXXX XXXX has been using to rip me off and to steal from my mother too. XXXX XXXX has my nane as XXXX XXXX in XX/XX/XXXX and i XX/XX/XXXX when I saw he has been using riders from the property at XXXX XXXX XXXX, XXXX XXXX, XXXX. I also am getting other documents from the IRS claiming my authorized third party was in my account again in XX/XX/XXXX. I also am getting statements from Social Security. As I looked at the hundreds of cases XXXX XXXX has taken out in my name as XXXX XXXX. XXXX shows the guilty parties, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is mentioned and it is connected to the insurance fraud with XXXX 's and XXXX XXXX. After I closed the XXXX XXXX and XXXX 's account, they were reopened. XXXX XXXX continued to to be connected to XXXX XXXX and the Agent XXXX XXXX who is involved in the manufacture of fraudulent documents. XXXX XXXX continues to allow false information to be used for theft and fraud. I contact XXXX XXXX because they change ..my address and my t name and now everything is in the name XXXX XXXX XXXX to match XXXX XXXX who on XX/XX/XXXX files a copy of the claim they say I made on XX/XX/XXXX which is the date my XXXX was stolen. The XXXX was already resold and it was turned into a stock in XX/XX/XXXX. My phone was so hacked, I was able to download proof it was turned into a stock. I was also able to write down the Chase IP address XXXX XXXX was using as well as XXXX XXXX. Another thing I noticed. When I paid tmy credit card payments for XXXX the monney went to the address of XXXX XXXX in XXXX. I can prove that XXXX XXXX and XXXX XXXX stole from my bank account at XXXX XXXX XXXX. I tried to correct this problem with XXXX XXXX but they claim they can not identity y me with the icorrect information on my identity. I receive credit reports from XXXX and from XXXX and none of the information is correct. I have asked XXXX XXXX not to delete any informatiion. But they do not listen to me. I have requested my full df but disclosure but they say they are unable to do so.. My credit reports with XXXX was wiped clean on XX/XX/XXXX. Cleared again in XX/XX/XXXX. I have requested copoies of all these cases that they have in my name with all the properties XXXX XXXX stole however they have not done so yet. Also my security freeze was put on in XXXX after I bought another car. XXXX XXXX was showing how XXXX XXXX was backdating docukments and he took out a homequity loan in my dead mother 's name and in my nbame. None of the credit reports reflect the truth. They do however show what XXXX XXXX is up to and the problem is what informnation he puts in these XXXX XXXX accounts with thge hundreds of case numbers I know nothing about | ||||||
| 06/04/2017 | Yes |
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| To whom it may concern, Im contacting you in regards to the status of my credit card with Chase bank. According to my credit history, I have paid my credit card on time since the opening of the account until I XXXX XXXX XXXX at the end of the last year. I explained these reasons to a Chase representative on the phone regarding to the financial hardship I was enduring, I wasnt able to pay the minimum balances. At the time of losing my job, my status as a XXXX with a XXXX XXXX only authorized me to legally work for a single employer in the XXXX For this reason, I wasnt authorized to seek employment with any other employer. I complied with the XXXX Department XXXX XXXX XXXX laws and by opening a case with the XXXX XXXX XXXX XXXX XXXX to obtain a XXXX XXXX and a XXXX XXXX XXXX . I received my XXXX XXXX card in XXXX , 2017 ; and my XXXX XXXX XXXX was approved in XXXX 2017 . These extenuating circumstances were not only beyond my control, but also prevented me from bringing the account to a current status. Fortunately, with the XXXX XXXX Card I was able to find employment in XXXX XXXX , 2017 . Now, it is important to mention that Ive always had the intention to pay the whole balance of this credit card and Im working hard to repair my credit. Hence, I contacted Chase after receiving my first check in XXXX XXXX , 2017 . That day I enrolled in the XXXX XXXX XXXX with monthly payments of {$130.00} for a period of XXXX years. In concordance with the XXXX XXXX XXXX of Chase bank, I provided the information of my XXXX XXXX checking account to automatically withdraw the funds for the monthly payments. The first monthly payment ( {$130.00} ) was in fact withdrawn on XXXX XXXX , 2017 . The payment for the month of XXXX , 2017 was expected to be automatically withdrawn on XXXX XXXX . Even though the funds were available in my bank account, the money was not withdrawn. Being XXXX XXXX , 2017 was a Friday, I thought the payment would post on my bank account the following business day ( which, due to XXXX XXXX , fell on XXXX XXXX ). But it didnt post. I tried to then use the online banking to submit the payment, but the online banking had been closed and I no longer have access to submit online payments. Ive been trying to resolve this matter during this week, and after finally getting a hold of Chase, I was advised that my account has already been charged-off and sent to collections with XXXX XXXX . As I continue work to recover from this financial hardship, I find this very unfair because : 1 ) I had the funds available in my account for them to withdraw the payment but they did n't attempt to charge my account. 2 ) They did n't contact me before charging off the credit card. 3 ) They did n't send a notice by mail or email or text message to contact them to re-mediate the mistake. 4 ) As Chase did in fact withdraw the first payment of the agreed payment plan, that would show their acknowledgment of the arrangement, failing to disclose their intention of the charge-off and resulting in additional credit damage and/or debt. I also took action by calling Chase at XXXX , on XXXX XXXX , 2017 , but their credit cards department was closed. Their call center was only working for saving and checking accounts. ( I have a record of these call on my phone ). Finally, Chase call center was working on XXXX XXXX . I reached a supervisor XXXX XXXX XXXX with code XXXX who works at the XXXX . of XXXX XXXX Texas. He opened an investigation on why my credit card was charged off and told me to follow up on his findings. I called again the next following day XXXX XXXX , 2017 and he told me that my account was now with XXXX XXXX . I find this decision very discouraging and unfair, since none of this would have happened if they had withdrawn the payment from my account in accordance with the XXXX XXXX XXXX . For the reasons explained in this letter, I kindly request to reverse the charge-off on my account and allow me to get back in the XXXX XXXX XXXX . Please consider the whole scenario : my payment behavior before I XXXX XXXX XXXX , my inability to pay when I was XXXX due to not having a XXXX permit, my current job and my intention to pay this debt. I was enrolled in automatic payments for the XXXX XXXX XXXX , and dont understand why my account wasnt charged as agreed. Please notice that I have the funds in my account to cover the monthly payments and there might be a misunderstanding. A charge-off like this would severely impact me financially in the future. Please keep in mind that if you approve my request, and now being employed and having the legal authorization to work in the XXXX , I will honor my commitment to this program. Thank you for your time and consideration, | ||||||
| 09/29/2022 | Yes |
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| - [ ] Cashed check inside chase bank atm - [ ] Hold placed on account. - [ ] Called to ask why hold was placed. They said it was because the writer of the checks bank said it would most likely bounce. They said to wait a few days and see. - [ ] Waited a few days and still nothing so I went into chase bank and they said I had a restriction placed on just my joint account because of fraud. All they said was it was saying on their screen to call a number. So we called in the bank with a banker with me. Spoke to a gentleman in the back office call was recorded. He told me that chase thinks the check was fraud on my end and that I wrote a fraudulent check. They said they would need to verify. I called the writer of the check but they could not call him from their account. So they told me if I waited 7 days the hold would be removed and the funds would be released because the 7 day period that chase placed in case it was fraud would be over. So I waited 7 days - [ ] Funds pulled from sellers account XX/XX/XXXX - [ ] XX/XX/XXXX : Joint account was closed by chase with no warning, call or anything. XXXX notification. - [ ] XX/XX/XXXX : Come 7 days later still nothing. - [ ] XX/XX/XXXX : Called my banker XXXX. He called back office and learned that my account was closed completely and that a cashiers check was being sent to me with my balance except the fraudulent check that chase was still holding. In his words chase will exit any relationship that they find is fraudulent. - [ ] To fix this issues I was instructed to go into a chase location with the writer of the check so they could manually validate that he did indeed write the check. So I reached out to him and asked to meet him at a location closer to him - [ ] XX/XX/XXXX : woke up to notifications and emails of failed transactions that my other accounts werent working. Pulled up my chase app to find all of my personal accounts restricted showing a large amount being withdrawn. Obviously freaking out now. I call chase number from the chase app. Explain my situation and they transferred me. This guy then verified me with my SSN. I told him everything that happened and then the line was disconnected not by me. Called my banker XXXX and he was apologetic and said he called the back office and they said they cant do anything until I go into a chase location where they can validate the writer and promptly undo this mess - [ ] XX/XX/XXXX : went into chase location with writer of check. I got there about 20 min early and was sitting down with the banker waiting for the writer to show up and he asked me about what was happening so I explained everything. He was shocked and very nice. He began to say things like well unfortunately chase has been very bad about customer service lately, I completely understand if after this you want to use a different bank. Later I asked him if he could see the recorded called from the people Ive talked to in the past because I wanted him to hear the guy who told me it would be a XXXX day wait. He then said something like well I cant see any of that unfortunately, but if your attorneys need that then they can certainly get that info. he said it kinda like he assumed I already had or should have an attorney or something. - [ ] Sat down with a banker ( cant remember his name but I can go back ) and called the back office with the writer. They took my id and bank card. As well as the writers ID and 2 Bank cards with his name, company name on it. The banker then pulled up the image of the check I cashed and said this is a perfectly fine check. I see no reason for any of this. I can clearly see the writers name, business name and amount on the check and his id and bank cards as well as on his phone, which they made him sign into his account and show him his phone to scroll and validate. We thought this was all super odd including banker. But the back office on the phone kept insisting he do it. After all this they put us on hold for a while and eventually came back and said it was cleared and that I would have all my account reinstated first thing in the morning with all of my proper balances ready for use. I Clarified several times with him as well that my other accounts were restricted and not closed. - [ ] After that we hung up with the back office and - [ ] XX/XX/XXXX : Woke up and now all of my bank accounts are complete gone. They dont exist. Cant find em. Called XXXX again and he confirmed they have been permanently closed. He said that he doesnt know why they told me it would be back in the morning because my accounts were never just restricted. They went straight to closing. I expressed again how upset I was and angered that all of my money was just missing and that no one could offer a clear answer or even proper advice and that chase has now wasted so much of my time, lied to me several times and cost me an opportunity to close on a home because my earnest money is probably somewhere making chase money conveniently. | ||||||
| 07/24/2020 | Yes |
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| On Saturday, XX/XX/2020 I tried to make a purchase with my debit card and it was declined. I waited on hold for 5 hours to finally be told that Chase has decided to close my checking account and would not provide me with a reason as to why. They told me that within 2-10 days they would unfreeze my account and issue me a cashiers check by mail, having it expedited because it's a balance of almost {$9000.00}. Monday, XX/XX/XXXX I called again, and after hours of wait time I was told the same. Because I was traveling out of state that week I was very concerned. I live 3 hours from the closest branch. When I arrived to XXXX on XX/XX/XXXX, I went to a branch and spoke to the branch manager. She would not allow me in her office, instead spoke about my situation after standing in front of other customers by the door. The tellers were all watching and it made me feel like I was being treated as a criminal. She told me that I could not have access to my account or release the funds in it. I asked her if they could provide me a reason, or if I should be concerned about identity theft, but she refused to provide me any information. After a very difficult trip without access to my funds, I have become very concerned. On Tuesday XXXX of XXXX, it having been 10 days, I called again to ask if my balance is being sent to me. They told me that my account was still " under investigation ''. Yesterday, Wednesday XX/XX/XXXX, I finally reached a gentleman I believe named XXXX. He told me that the reason my account has been frozen and will be closed is due to a payment of {$970.00} that was sent from Massachusetts unemployment. I have been receiving these after losing my job due to Covid for the same amount the same day of each week since XXXX. He agreed that it seemed odd because there was no unusual activity on my account but told me that I should be able to go to a branch in person with legal proof from the unemployment department of my payments from them and they should release my funds in person that day. Because the closest branch is in XXXX ( 3 hours from XXXX ), I called to confirm this with a banker there. I spoke with a gentleman named XXXX. He looked into my case and told me that unfortunately he could not do so, but he instead called a manager to speak about my case. After calling me back he told me that my account is under investigation even though my deposits have been consistent. He asked me if I could send him legal proof of my unemployment. I emailed him my forms from the state of Massachusetts, and he said those looked like they would clear the issue. He also told me that somehow they had changed the date of my account closure from the XXXX to the XXXX, meaning I had to wait another 10 days for my funds. Today, XX/XX/XXXX, I checked my Chase app on my phone to ensure my balance has remained the same, as I have heard about a lot of fraud and unusual things happening these few past months at Chase, and to my horror I saw that my checking account had disappeared with no record of me having it at all. I called the 877 number, and they told me that they had indeed closed by account. I asked to ensure that I would have a check in the mail and they told me that no, my account was still under investigation. He was reviewing my unemployment documents and had all of the proof of my direct deposits. I asked if I could have confirmation of when I should expect a return of my money and he could not tell me. I should mention, that the first call made, they told me that I should receive a letter in the mail informing me of my account closure. Chase has always immediately contacted me for large purchases or anything unusual to confirm my card was not stolen, and I have not received an email, any mail, a call or a text in regards to this. No communication, warning or explanation. I called XXXX back at the branch in XXXX, and he kindly called a manager for me. He told me that they had closed and withdrawn the full account ( I believe he said that transaction took place in XXXX ) today but they are still 'investigating '' it and they would not provide me with an estimate as when I should have my money returned to me. I am very concerned because I lost my job and I am supposed to be moving right now. All of my savings is tied into that account and I am behind on payments as well now. I have been reading the Consumer Affairs and other complaints filed and many people have been affected as I have, some not receiving their money yet at all or for many months. One even reported that Chase had kept {$7500.00} of her {$15000.00}. They can not feed their children, their cars are getting repossessed, and some even having to go to the Emergency Room for their XXXX medicines and such because they have no access to their money. This is inexcusable and shameful to handle business with no regards to the well being of customers. Closing our accounts is fine, but not allowing us access to our money to survive is heartless. | ||||||
| 02/14/2020 | Yes |
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| I am a former XXXX, but I live in Florida for the last 4 years, I am a XXXX XXXX holder. I do or receive often Wire Transfers since XXXX. It was the 1st time that I received one in my Checking Account at Chase. On XX/XX/XXXX, I received from XXXX ( XXXX ) a deposit of {$3600.00} USD in my bank account. The only thing that I see online, or on my App, exactly this : " FOREIGN REMITTANCE CREDIT B/O : JPMORGAN CH ... ''. I am surprised that I can not have any basic informations. I need to verify if the amount sent in XXXX was the amount they were suppose to send. I need to know : - The original amount send in CAD $ - The Exchange Rate - The Date they initiated the Wire Transfer - To see if Chase took a fee, or another convenience fee somewhere That is an amount that I need to report as an earning in XXXX, to the IRS. Of course, to make sure that I am honest, I need to prove, just in case, that : - The amount that I received in US $ is equivalent to the CAD $ at the Exchange Rate of that moment. My US $ amount will become the amount of earning for the IRS. Here my long and painful journey, just to get some basic informations on a Wire Transfer. I don't know if Chase thinks that we just need to be happy that money appeared in your account and no need explanations. 1. I called Customer " Care '' Dept, the agent told me that will cost me {$15.00}, and they will send the information by mail ; delay 15-20 business days. - ( 25 min call ) 2. I called back the same service, I did not believe the 1st agent, this one transfer me to another Department. I spoke with XXXX ( No last name, No employee # neither ) and he told me that he can tell me verbally the info but he has limited access. He wanted to transfer me to the Wire Transfer Unit and I was unable to continue at that point, he gave me the phone number instead. - ( 48 min call ) 3. I went at my Branch located in XXXX XXXX on XXXX XXXX XXXX, I went to see the teller who told me that he can read with limited access, so he can not print and give me a receipt. No bankers were available, so I left - ( 35 min ) 4. Today Friday XX/XX/XXXX, I went to the Branch for a deposit, and again I asked the teller who told me to see a banker. I sat there waiting for a banker who told me that the teller should be able to do it. I said stop. Finally we all agreed that neither the teller or banker can print a detail receipt as they have limited access. The banker gave me another phone number to call. While still in the bank, I called and spoke with XXXX, she told me that she can give me the information, after almost 6 minutes of security questions to make sure that it is really me. I started to walk to exit the bank and go for lunch. I asked her, can you please send me the receipt by email? No she can not, security purpose of course. I told her that I am receiving many emails in my Secure Inbox on Chase 's website or App. But she said impossible for her to do so. She told me that she can send an email to an employee of the branch, but she needs me to ask someone at the branch for his/hers email address. I'm fuming but silent, I walked back to the Branch and the two tellers are busy, and line-up, the two bankers busy and another one is waiting. I saw a guy, who is the financial advisor if I remember well, I told him the situation and that she's online with me waiting to speak with someone that she will be able to identify to be able to send an email, and then, that person will print the email, for me to finally get the basic details of my Wire Transfer that I received. The financial advisor told me that he can not do that, and the only thing I can do is to put my name on the list and sit and wait for a banker. I told him, I can not do that with her on the phone with me while waiting, that can take 20-30 minutes who knows. 12 % battery left on my cell XXXX told me that it is ok for her to wait, yes of course but not for me. So, I left the bank and asked XXXX to speak with a supervisor, she was not happy, she put me on hold and never came back - ( 1 hour 18 min ) 9 % battery left on my cell I called the customer care in the USA, after explaining all the story, she told me that she is, I quote, " just '' an agent and after I finished, she told me that she needs to transfer me to the right Department. I wanted to make sure that she will not transfer me to the same prior dept in the XXXX, and she confirmed that was in the USA. - ( 13 min call ) Someone finally answered ... from the XXXX and was really motivated to help and fix the problem. After 42 more minutes with her over the phone, she asked me if I wanted to send a Wire Transfer or Receive one. I just hung up totally discouraged. After 42 minutes, she doesn't have a clue what I was calling for. What did she do all that time? I have no clue AND 3 % battery left. As of now, I spent over 4 hours to get a basic standard simple information, I went 2 times at the branch, and I was " schlepped '' from one to another. | ||||||
| 02/21/2023 | Yes |
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| I received checks for XXXX XXXX XXXX House account in XX/XX/XXXX and I wrote one check with my name as the recipient of the cash, One check was for {$4800.00} and the other was for {$5000.00} and they were both deposited at Chase bank where I have a checking account. I deposited them on XX/XX/XXXX and at the time they sent me a message that there was a 11 day hold on them. On XX/XX/XXXX, I observed that the {$9800.00} was accessible and I went to withdraw the {$5000.00} and requested {$1000.00} and {$500.00} bills and I was told by the teller they only have {$100.00} bills. XXXX-The next day I returned to the same branch in XXXX XXXX, CA., to withdraw the {$4800.00} and the teller was not handling the request as it was the day before and said he was over his balance and kept my California I.D., and told me to have a seat and I asked him if something was wrong? He said the supervisor would talk to me. As I sat there wondering what Chase bank was up to and I waited about 15-20 minutes and finally an African-American woman came out to me and asked to sit in a cubicle and she sat down in faced me. Her name was XXXX XXXX and she told me that the checks were no good and the bank is asking for the money back. And I knew she was lying and she also said that my account my restricted and frozen. It was my payday on my job and I had no access to my work check and I insisted that the checks were good and she began to ask how long I had known him and what did I do with the money? I chose not to answer her questions and I asked did they call the bank and I asked her again why my did they hold my funds? And she again said because I owe them {$5000.00}! And the number they were calling had his name on it and I told her that I am talking to XXXX XXXX and she said we have to call the number we have been given. I called XXXX XXXX after I left the bank and told him everything that transpired and he said there is something wrong with the bank and those funds are mine and he has not instructed his bank, XXXX to hold the checks. I went back into the bank and spoke with XXXX again and she said the only way we can release the funds is for XXXX XXXX to walk into a Chase bank 3with his I.D., to authenticate himself. I called XXXX XXXX and told him this and he said is no Chase bank where he is and he again said there is something wrong with the bank and I told him 20 years ago I bounced some checks with Chase but they were paid. Meanwhile I had to figure out how to pay my rent and have transportation money to travel to XXXX XXXX for work and return home. I had several conversations with XXXX XXXX because I suspected that my enemies past, present, and future who work, no longer worked and had been fired because I told on them for embezzlement using the Department of Treasury and my XXXX programs in XX/XX/XXXX and stole funds from checking account holders and I was the 1st victim! They were using my checking account and debit transactions to track and follow me and knew when I made large deposits. I returned to the bank on XXXX to the Chase bank in XXXX XXXX and spoke to XXXX XXXX XXXX and I asked for the number she was calling and she refused and asked what kind work I did for the account holder and I told her administrative work and ordering computers. On the XXXX or XXXX of XXXX I went to Social Security Administration in XXXX to update with my new bank and decided to stop in the XXXX branch in XXXX. I spoke with XXXX XXXX to setup a payment plan for the {$5000.00} and after being on the phone in my presence he told me we just want XXXX XXXX to go into a Chase bank to authenticate this account and I called XXXX XXXX in his presence and told him the same thing. I understood XXXX XXXX 's position because he has a firm to run and I did not share this with XXXX XXXX and I left the bank. I receive my social security funds for retirement on the 3rd of the month and there was no indication that the funds had been deposited at Chase. On XX/XX/XXXX i returned to the Chase branch in XXXX XXXX because my social security check had been posted to my account. I waited and when XXXX XXXX appeared I asked her for a manager and she said that she was the manager and asked her why was my social security check deposited to my account and she said the account is frozen. She went to another cubicle and talked briefly on the phone and returned to me and asked for the {$5000.00} back and I said no and it is against law to garnish my social security check and you can not hold it! And she said oh yes we can, and all the account holder has to walk in a Chase bank to verify the account. I walked without saying anything else and have no plans to return to Chase. They are not calling the bank the checks are writing on but the Department of Treasury in XXXX, XXXX and in CA. These XXXX, jealous, lying, thieving, scheming XXXX and XXXX women and men are slandering me and there has been no scam. I have known them for over 2 years! | ||||||
| 10/26/2019 | Yes |
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| I am Chase Business customer. I have the Chase Ink Visa credit card. Chase sent me an email with an offer or promotion to open the Chase Total Business account. On XXXX, XXXX around XXXX XXXX I went to this Chase Bank branch at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Not much wait for me and finally I spoke to XXXX XXXX XXXX. I showed this email containing promotion code. She asked some more information like my business 's FEID and other details. She talked about trying to sell more Chase products while looking at my Business details. I don't know why she was doing all this as I had already handed to her my Chase Business Ink Credit card. As I am already approved for the Chase Business Ink Credit card - she already has my profile. It should be much easy for me to get the Business checking account, right? But then she told me there is an issue " Franchise fees involuntary ended '' so she can't open my account. I reached out to my XXXX ( XXXX-XXXX, XXXX XXXX ) and she clarified that there is nothing wrong with my Business. Moreover I filed my regular quaterly reports and pays all the dues. If there was something wrong, how come Chase open my Business Ink Credit card. I believe opening credit card is more a risk for the financial institution than the bank account. Isn't it the case that Chase for no good reasons want customer to visit the branch to sell other products? I had opened my Business account with XXXX XXXX in less than 20 minutes. Chase simply can not make excuses that every bank is different lablablaah. I talked to Texas agency regarding about this Franchise issue and that's why the account couldn't be opened. They simply stated that it should not be the case. Anyway i initiated the process to make the last year franchise tax. On XXXX XX/XX/2019 - I went to a different chase branch this time at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX at around XXXX XXXX. This branch was completely empty. Only 2 tellers. One white american teller asked me about the reason for my visit. She stated that nobody is here to do that right now. Probably I should come back on Monday with an appointment for this. As i am just too busy, i requested - can i get it done today? She told me about the Chase XXXX XXXX branch nearby. As for that I was suppose to be going almost 10 miles away from my home, I asked is she sure that somebody will help me there? Can you check that? She said that she is very sure about it. She didn't gave me any address for that but i figured it out. I have no idea why XXXXhase has so many branches within 2 square mile radius of my place but literally all these branches are just looking for excuse not to do anything and simply passing the buck to others. They are very slow and inefficient also. I went to Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Reached there around XXXX XXXX. Put my name in the customer 's visiting register and provided the reason for my visit. There was just another customer waiting in front me. There were two bank employees helping others to open the bank account ( may be ). After 10-15 minutes - the other customer was able to get into the cubicle of other banker to open the bank account. There were two tellers. Branch was not busy ... very usual ... after some time the white american lady on the teller was not having any more customers ... so she checked the register ... confirmed with me why I am here? She said that one of the two bankers will get back to me. What i can see and figure out that both the bankers were very slow and taking their own sweet time. Finally at around XXXX XXXX - the other banker was available, asked what i want to get it done. I told that i am here to open the business checking account. He said he can't do that as he doesn't have the license for that..i need to come next week. I simply told him that if that was the case, don't you think that white american lady on the teller that i should not wait ... i am waiting here for almost 90 minutes now. I said where is the manager, i want to talk? He told that manager is on vacation, only teller can help. I went to teller and told him that it ' so frustrating that after almost 3 hours in two branches and 1 hours in commute - i couldn't get this done ... it's a total waste of time. How i can file written complaint? He said there is no process to file written complaint, may be call the customer services. Then he took good 20 minutes to write some complaint without bothering to tell me any reference #. I told him that this entire episode is going to be complained to CFPB. My Chase Business ink visa credit card is ending in XXXX. Chase needs to understand that XXXX XXXX during last 3 years has really worked out to come out of the scam shadows. My XXXX XXXX business acocunt is far better ... first of all XXXX was able to open it in 20 minutes and minimum balance to maintain is just {$500.00} NOT {$1500.00} as in case of Chase ( with more than 4 hours spent but account is not opened ). | ||||||
| 12/03/2020 | Yes |
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| I would like to make a complaint about XXXX XXXX XXXX and Chase. Their actions have led to a {$100.00} increase in charges and a negative credit rating after 40 years of perfect credit. try and summarize what happened. In XXXX, I had some work done on my truck and incurred a large bill The credit card bill for that month was {$5100.00} XXXX I have a credit limit of {$30000.00} ) due on XX/XX/XXXX. While this is high, it is not my highest bill.I have an automatic payment plan set up with XXXX XXXX XXXX so I have never had a late Chase credit card payment and I always pay the balance in full. On XX/XX/XXXX, I deposited a {$20000.00} cashiers check from my other bank ( XXXX ). On XX/XX/XXXX, Chase reported that I had insufficient funds to cover the credit card bill ( see attachment as I should have had over {$21000.00} in the account I called XXXX XXXX XXXX immediately on the Friday, XX/XX/XXXX and was told that XXXX did have the check and had had it since XXXX XXXX. I was annoyed but the service person promised me he would post it to the account that evening. On Monday XX/XX/XXXX, Chase contacted me about insufficient funds. I told them the money had posted Friday, XX/XX/XXXX. Apparently, it hadnt but XXXX promised it would post to my account that evening. My first complaint is with XXXX XXXX XXXX and how long it took to credit my account when I made a deposit with a cashiers check. When I make a charge or payment, the amount is immediately deducted from my account so I dont understand why it would take over a week to get funds XXXX held in my name. Because there were still problems, I contacted Chase immediately ( XX/XX/XXXX ) and we set up a bank transfer. For some reason, the bank numbers were incorrect ( I was told XX/XX/XXXX that the routing and account numbers were reversed ). Again, Chase contacted me and I contacted XXXX XXXX XXXX to see what the problem might be. At that point, XXXX XXXX XXXX initiated a 3-way telephone conversation to resolve the issue. Both Chase and XXXX XXXX XXXX refunded late payment/insufficient funds charges. I thought the issue had been resolved. On XX/XX/XXXX, I tried to make a payment for a XXXX airline ticket. ( Note this is a {$450.00} XXXX XXXX XXXX credit card ). Chase rejected the charge for possible fraud. While still online booking, I called Chase and stated it was not a fraudulent charge. I retried booking. XXXX XXXX, however, cancelled my reservation because Chase denied the charge. I had to rebook at a {$100.00} higher fee. This is my second complaint. When speaking to the customer service person at Chase, I got no help or acknowledgement of the problem. That service person was condescending and rude and through up the late payment from XXXX ( though she did acknowledge it had been resolved ). On XX/XX/XXXX, Chase cancelled my credit card (! ) for : Rapid increase in revolving balances ( my note : there were no revolving balances and the account was paid in full ) Recently returned payments on one or more of you accounts with Chase ( my note : this had already been resolved and Chase returned fee related to this ). My third complaint is with the cancelation of a credit card that was paid in full and in good standing The cancelation was reported to the credit agencies and now my credit score has been lowered. I spoke to a number of Chase customer service people about this. Nobody could tell me why the card was cancelled except that it was related to the above. They all acknowledged that both issues had been resolved. I believe that the customer service representative at Chase in a moment of petty vindictiveness initiative the cancellation. I am not sure how this passed any subsequent review as the account was paid in full. In fact, anyone looking into my many years credit history with Chase would see a perfect payment record ( we also have a mortgage with Chase ) ; they could also see that the issue had been resolved. I have spent many hours with both XXXX XXXX XXXX and Chase. It is frustrating that long-term, financially responsible customers are treated in such a manner. XXXX XXXX XXXX personnel told me XXXX was perfectly within its rights to hold onto my money for over a week before crediting my account. I think this is unfair and, if this is the case, laws ought to be enacted to stop this thievery. Likewise, because Chase refused to accept the XXXX XXXX payment, I had to pay {$100.00} more for the ticket ( even though my contact with Chase acknowledging the charge was immediate ). Finally, the cancelation of the card before XXXX meant that I could not use the card for XXXX XXXX sales ( nor for other travel related to the XXXX trip ). This meant I lost valuable points. In closing, I would like to say that I am an educated, high status customer with an excellent credit history. If banks treat me this way, I cant imagine how those with fewer resources are treated. PS I HAVE DOCUMENTS TO UPLOAD BUT THE SYSTEM WON'T LET ME | ||||||
| 10/14/2022 | Yes |
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| Dear Consumer Financial Protection Bureau, Chase has acknowledged that it made a significant error with my checking account in the month of XXXX of XXXX, but has been unwilling to provide written confirmation of that error. For many years I have been a Chase paperless customer, which means Chase does not send me paper statements in the mail. Instead, Chase sends me a monthly email that notifies me if my paperless statement is available. I have directed my employer to direct deposit my paycheck into this account, so I have transactions posted every month. Each month I rely on the email from Chase notifying me that my paperless statement is ready for viewing, otherwise I have no knowledge of if, or when, a statement has been made available to me. Chase understands that making a monthly statement available to its customers is of critical importance. In fact, Chases Deposit Account Agreement ( DAA ) explicitly states the exact point in time when Chase has made a statement available to a customer : We have made the statement available to you on the day we mail your paper statement or notify you that the paperless statement is available, even if your current address or email is invalid. ( see : DEPOSIT ACCOUNT AGREEMENT, JPMorgan Chase Bank , N.A . Member FDIC XXXX JPMorgan Chase & CoXXXX, Page XXXX of XXXX, Effective XX/XX/XXXX, Section : VI., XXXX, XXXX. Statements and notices ) Here is the problem, in the month of XX/XX/XXXX Chase made a critical error on my checking account, Chase failed to send me notification that my paperless statement was available. I keep thorough email records for this Chase account, including notification emails from Chase telling me if my paperless statement was available in months XX/XX/XXXX to XX/XX/XXXX, other than XX/XX/XXXX. Chases error was confirmed on XXXX when I spoke to XXXX separate Chase representatives ( XXXX, XXXX, XXXX XXXX, who each acknowledged that Chase did not send me a paperless statement notification in XXXX of XXXX. Meaning, that month, Chase did not mail a paper statement to me ( I am a paperless customer ), nor did they notify me that a paperless statement was available. Chases DAA clearly states, We have made the statement available to you on the day we mail your paper statement or notify you that the paperless statement is available. Because Chase did neither of those things, per the terms of its DAA, Chase did not make a statement available to me that month. Chases error was not a delay, each Chase employee I spoke to confirmed that the paperless statement notification for XXXX of XXXX was never sent by Chase. Failing to make a statement available to a consumer is by any measure a serious error by a financial institution. Chases error set off a chain of events that has had significant detrimental effects to my financial health. A written acknowledgment from Chase that reiterates the error its representatives confirmed on XXXX, will help remedy the effects of the financial burden Chases mistake has imposed on me. During my XXXX call I asked Chase representative XXXX to provide written acknowledgment of Chases error, she replied, I can not go ahead and provide a message or email or notification about whatever I told you, whatever conversation, I can not do that, it is out of my hands. In short, In XXXX of XXXX Chase made a significant error on my checking account. That month, Chase did not send me a paper statement in the mail ( I am a paperless customer ), nor did Chase notify me that the paperless statement was ready. On XXXX XXXX Chase representatives each acknowledged Chase made this critical error. Chases DAA clearly states ; We have made the statement available to you on the day we mail your paper statement or notify you that the paperless statement is available. Per Chases own acknowledgment, in XXXX of XXXX Chase did neither, and therefore did not make a statement available to me that month. Because Chase failed to make a statement available to me that month, I have suffered significant financial harm. I am asking for the CFPBs help in obligating Chase to confirm in writing its error that XXXX of its representatives have already acknowledged. Simply put, in Chases written response to this complaint I am asking Chase to answer the following YES or NO question : In the month of XX/XX/XXXX, did Chase mail me a paper statement, or notify me that the paperless statement was available for my Chase checking account? Yes, or no? Please note, I can provide my email records for this Chase account, including monthly paperless statement notification from XX/XX/XXXX to XX/XX/XXXX, not including XX/XX/XXXX ( when Chase failed to send the paperless statement notification ). I can also provide verbatim notes of my XXXX call with XXXX, XXXX, and XXXX. Presumably the CFPB could request the call recording from Chase. I am happy to provide the CFPB additional information or discuss this matter as needed. Thank you for your help. | ||||||
| 11/18/2020 | Yes |
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| Note that I am refiling this complaint because JP Morgan Chase Credit Cards did not provide any of the documentation they are legally required to provide in their response and they lied to the CFPB saying I had been given a partial refund for services not rendered. The partial credit they reference was the return of a security deposit, NOT a credit for the services never provided ( see attached documents ). They are now knowingly, and falsely claiming that the security deposit refund was actually for the services not provided. Chase is in possession of all the attached documentation proving my case, so they knowingly lied to the CFPB in their response. Attached please find e-mail from the merchant confirming that XXXX XX/XX/XXXX~ {$1600.00} USD ) per MONTH is the price for service plus a XXXX XXXX security deposit to be refunded upon the patient 's departure. Also the unsigned card not present sales slip. ONLY the security deposit was refunded, not the portion of the service never provided. Furthermore, JP Morgan Chase Credit Cards has refused to follow the law with regards to disputes : Law requires : 1 ) " unauthorized charges. Federal law limits your responsibility for unauthorized charges to {$50.00} '' - I have billed for over {$1600.00} in fraudulent charges. 2 ) Consumers are not responsible for " charges for goods and services you didn't accept or that weren't delivered as agreed ; " - I have provided indisputable proof that the services I was billed for were not provided in full and that the limited amount that were provided were not as agreed with the merchant. Chase provided no rationale for determining that the charge was valid and NO supporting documentation. They are required by law to provide a full explanation and supporting documentation - they have provided neither - only a vague form letter saying that they " investigated '' determined the charge was " valid ''. This letter was received AFTER their legally imposed 60-day deadline to resolve the dispute. 3 ) " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' They did not resolve the dispute within the time limit. The charge was in XXXX, the initial dispute was in XXXX, their final vague rejection of the dispute was in XXXX, more than two billing cycles later. Illegal! 4 ) " If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' Chase has provided no written explanation and no supporting documentation whatsoever - only a vague form letter saying they " investigated '' and " determined the charge to be valid ''. 5 ) " If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. '' I received nothing " promptly '', well beyond the 60 day deadline to resolve the dispute I received a vague form letter saying the charge is " valid '' based upon Chase 's " investigation ''. I have received no detailed explanation and no supporting documentation despite 10s of requests. On the contrary I have provided Chase with indisputable documented evidence that there is no way the services could have been provided as agreed - the patient was dead before the end of the prepaid service period. There was no agreement ( written or otherwise ) that the service provider would be entitled to steal the unused prepaid balance or that they would be entitled to be paid if they failed to provide the agreed upon service according to the agreed upon terms. The merchant in fact took the patient to another facility without authorization and then refused to pay the additional bills they created without authorization. There were in fact no written terms of service other than that the merchant was to provide one month of in-patient care ( which they did NOT provide ), they were not authorized to move the patient or to provide any treatments not agreed in writing ( they violated this ). 6 ) " If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. '' I have not even been provided with the results, explanation and documentation of original " investigation, '' to date, but I have made clear that I disagree and appeal the decision. Chase is over the time limit for resolving the dispute. I have appealed their " non-investigation '' and they have ignored my appeal to date. I have notified them I refuse to pay the amount but they have ignored this only replying with vague form letters saying " we will answer within a week ''. I would like the CFPB to be provided with ALL the documentation of the investigation that Chase has refused to provide me with. Additional details attached. | ||||||
| 01/30/2020 | Yes |
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| I needed a limo for my sisters bachelorette party in XXXX, PA. I found this company online searching under " XXXX XXXX XXXX '' http : //XXXX. This company is owned and ran by a XXXX XXXX. The website did not have any reviews. We had spoken on the phone, and he quoted me low 400 's in price for 4 hours in a limousine. I did not have any reason to believe this was a scam, although he did call and leave a message at XXXX XXXX pressuring me to sign a contract. He seemed very polite and professional on the phone, and he did mention that when the card was run, it would be by XXXX XXXX. When I signed the grainy contract with small print ( I have never booked limo service before ), I had to send a scanned copy back via email with copy of my credit card and license. He did not fill in the price part, so I did not realize what my card was going to be charged until after the fact. When he sent over the confirmation, it was for over 200 dollars more then was discussed. I told him exactly 6 minutes later I wanted to cancel, that wasnt what we had discussed, he said I couldn't, per the contract. He became very argumentative and rude. I cancelled the credit card, immediately reported it as fraudulent activity to Chase, and opened another card. Since I disputed the XXXX, he added whats called " chargeback '', and he was somehow able to get that through on the card, despite the fact I had also blocked the merchant. When I disputed that, another XXXX was added, much to my dismay. So now XXXX dollars on my card. When I started researching further into this, I see many horrid reviews saying he has done the exact same thing to many other unsuspecting individuals. Either before or after the fact of the limo service. He is a conman and a scammer. He does not provide the limo, he is just middleman who sub contracts the limo service. He does this in Florida, California, Texas, New York, and Minnesota too, and all over the country. So this is on a national scale, please see links to reviews below. This is credit card fraud on a national level. He on the website is posing as the limo company, he is just the subcontractor. That is misrepresentation and trickery, he owns a limousine scheduling service, not an actual limo fleet. {$1600.00} dollars is an absolutely egregious amount of money to be charged for not using a service. It was an unenforceable contract to boot, as I never received a signed copy and there was not an amount on the contract. I didn't get as far as to actually get in the limo, looking at all the bad reviews of all the horrid experiences other people have had on their special occasions, I didn't want to ruin my sister 's special day. I also never thought in a million years that despite all the measures I took with the credit card company, they would ever allow this to happen. I wish I would have just cancelled the card, apparently that was the only way to not be charged. Here are some links to other people he has scammed : https : XXXX XXXX https : XXXX I want a full refund plus interest for my 16 % APR credit card. I didn't cost him any money and I didn't use a limo. I asked to cancel exactly 6 minutes after seeing the price. Almost three months in advance. Requested service date was XX/XX/18, the unenforceable contract was signed XX/XX/18. I can easily prove all this with credit card statements, correspondence between him and I, and other people I have reached out to on XXXX that he scammed. Chase was absolutely reprehensible throughout this nightmare of a scam. I took every possible measure ( once I realized I was being scammed ) to ensure that I wouldnt be further charged. They sided with him in both the disputes and allowed me to be charged XXXX dollars in chargeback fees. I reached to many local media outlets, along with many other furious victims and had these stories published about this scammer in XXXX and XXXX FL ( where he lives ), XXXX PA ( where he grew up, and started scamming people, and was advertising his scam I fell for ), and XXXX PA ( where I live ) : https : XXXX https : XXXX https : XXXX https : XXXX This story features me : https : XXXX The PA state attorney general is now suing him on my behalf and that of the PA consumers, if this doesnt cement it was an internet scam, I dont know what does. This story also features me : https : XXXX Chase still refuses to budge on this matter, even after threatening to escalate this matter to the CFPB. They state that this is a matter between me and him. They are supposed to protect me from scammers like this. I did my part by immediately alerting them of the fraudulent activity and cancelling the card. I lost both disputes and also paid a cool XXXX dollars to do so. The fact they still allowed this thief to charge me on my new card after I blocked the merchant is absolutely ridiculous. They were unable to provide me with an explanation as to how this happened. This has been so unpleasant and expensive to boot. | ||||||
| 10/27/2022 | Yes |
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| I have been depositing valid checks from XXXX XXXXXXXX into my checking account at Chase Bank here in XXXX XXXX, Florida for a month and a half now. I have on recording Chase Bank telling me that the check I am cashing is Valid and has all of the necessary components of a check ( sender, recipient, account number, routing number, and an endorsement ). ( The routing number was not listed on the physical check, however I was able to provide them with the routing number ). The first check I deposited was on XX/XX/2022 and the last one being XX/XX/2022. The checks have cleared and the funds have been disbursed into my checking account for me to use. This past Saturday ( XX/XX/2022 ) I went back into Chase Bank to deposit another check I received form XXXX XXXX. When I went to do so, the teller got the Bank manager and he informed me that he " received an email from their back office stating that they can no longer deposit my account due to them not finding a valid account, and that the amount I deposited would be removed from my account. '' When I asked for this documentation in writing, or to speak with someone else, they then refused and told me to call their customer service line. Despite me referencing the Bill of Exchange and the supporting laws/UCC, they still refused... Today ( XX/XX/2022 ) at XXXX est, I called their customer service line and spoke with their frontline representative XXXX XXXX She informed me that 1. The checks I am cashing are valid checks ( she could see all of the scanned checks I deposited ), and also told me that there was no communication sent to Chase, and that there's no reason they should be denying me. I then proceeded to ask her to not only document this on my account, but also get me in touch with a manager so that I could be sent something in writing so I could reference. 15-20 minutes later at XXXX est, I then spoke to the manager, XXXX. She initially confirmed all of the information XXXX ( the previous representative ) gave me, and then she put me on hold for 12 minutes to check " something. '' After holding, she came back and told me that they were unable to " find an account number. '' I then proceeded to ask how, stating that if this was the case, shouldn't I have been notified a month and a half ago when I first started depositing my checks, and she refused to give me any answers. I also then offered to provide my account number once again ( even though it is listed on the Check! ).. She refused.I then proceeded to ask her to speak with someone who was higher than her, and she refused to transfer me and proceeded to dismiss me off the phone. I asked her not to hand up because I had one last question, but in the middle of my sentence, XXXX said " goodbye '' and disconnected the call. Never have I been treated this way by a financial institution, or anyone for that matter. I was calm and respectful the entire time. As of XXXX est on XX/XX/2022 I checked my Chase Checking account and noticed that there is a XXXX XXXX of {$250.00} that was taken out of my account. I now have a negative balance of - {$200.00}, AND will be charged interest and fees each day that my account remains in the negative. I was never given any documentation in writing, or in general, that 1. The checks " are '' invalid 2. That action would be taken against me in the form of money being taken out of my account or 3. That I am no longer able to deposit my checks. I am attempting to cash out a check being forwarded to me from XXXX XXXX, and despite it being previously accepted multiple times, they are now denying me my rights as a consumer. I have made numerous attempts to contact them and resolve the issue, however they refuse to give me any valid documentation/reasoning as to why they're refusing my checks. I have referenced the laws below numerous times, and have made it clear that I am simply acting in Good Faith. I have recordings and am being sent documents to support my claims. Also, I requested to XXXX that my account be properly notated, so that my concerns and her responses are notated. And also the calls are recorded on their end as well. I also have chase receipts and bank statements showing that they've approved my checks and that the funds were disbursed into my bank account. I have also confirmed with Chase multiple times that my checks are VALID and not FRAUDULENT. Not only is this highly unprofessional, disheartening, illegal, but is also hurting me as a consumer because I am being denied my rights, and now I am unable to use the funds being sent to me to pay my bills. The laws that Chase Bank is breaking are : 1, The Bill of exchange 2. GOOD FAITH ( UCC 1-304 ) 3. Without Prejudice, the reserving of my rights ( UCC1-308 ) 4. Scope of Prohibition ( 15USC1691 ( As far as the voice recordings go, I am unable to attach them for reference due to the files being over 10mb, however it I can send them to an email that would be perfect ). | ||||||
| 03/21/2020 | Yes |
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| On the morning of XX/XX/XXXX, my Chase bank cards and cell phone were stolen. I immediately called Chase bank at XXXX XXXX eastern time and informed them of the theft, that all activity on my accounts should be frozen, and that my debit card was also tied to my phone through XXXX XXXX. The phone rep noted no suspicious transactions yet, but that someone had attempted to access my online banking and assured me they would take the proper precautions to secure the accounts from fraudulent activity and protect my assets. I then contacted the police to file a report. Upon the insistence of a friend, I followed up that evening with customer service to discover my checking balance was incorrect because thieves had been accessing my accounts all day, transferring funds from my savings accounts with my phone, and withdrawing the money and making purchase transactions of over {$5600.00}. I demanded for a second time that my account activity be frozen and informed Chase that these were not authorized transactions. ( I also learned later from the claims dept that Chase had contacted the person or persons who were in possession of my stolen phone and asked for verification of the fraudulent transactions that had been flagged! The thieves, of course, approved the transactions. ) The next day, XX/XX/XXXX, I filed claims at the XXXX XXXX branch in XXXX XXXX with rep XXXX XXXX. She advised I follow up with the Claims Department in a few days to check on the status. On XX/XX/XXXX, I followed up with the claims department. They had no record of my claim with Ms XXXX, even though I sat with her for over 2 hours at her desk, and listening to her speak to the Claims Department. I filed a report with Claims again over the telephone. They informed me there would be multiple claims for the atm, the unauthorized phone transfers, and the debit transactions that occurred at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, I received a letter from Chase informing me that they were debiting my account for the atm transactions on the XXXX totaling {$840.00}. They did not agree that the transactions were unauthorized even though I contacted them XX/XX/XXXX at XXXX XXXX, before the transactions happened. Chase is also claiming that some of the transactions were " authorized '' by me, because the thieves supposedly used a PIN. ( If a PIN was indeed used by the thieves, I have no idea of how they obtained it. ) Chase also claimed I did not dispute a XXXX transaction, which is untrue, and I have records on which I highlighted the transactions and provided to Ms XXXX on the 2nd. This dispute was also read to the claims department over the phone on the 4th from the same piece of paper. Chase has also accused me of lying about my phone being stolen, and insist that I am using the same cell phone ; this is also untrue. I have receipts for my new phone, and activation receipts as well to prove this. It is backed up with XXXX through their XXXX services. It is a white XXXX XXXX XXXX XXXX. My stolen phone was a XXXX XXXX XXXX ( not XXXX ). I have attached receipts for both phones. Claims informed me they wouldnt change their decision without new information, so I supplied these phone receipts to Ms XXXX on the XXXX, and she forwarded them to Claims. On XX/XX/XXXX, I went to the XXXX XXXX branch and met banker XXXX XXXX to request information regarding how they came to their decision. He handed me the letter I received on the XXXX, but there was no additional evidence or proof of any investigation material. I supplied him with a copy of the police report and documentation I had provided to Ms XXXX regarding the disputed XXXX transaction, which Claims denies I ever contested. He made copies and wrote his own complaint to Claims. XX/XX/XXXX I received a letter for a temporary credit {$4800.00}. I received a credit in my checking account on the afternoon of XX/XX/XXXX about XXXX XXXX. XX/XX/XXXX I received an online alert from Chase that my account was in the negative. Chase had debited the account {$840.00} even though they had previously informed me they would accept new information. I made a visit to Mr. XXXX that day, and he asked me to notify him if I get any letters from Chase concerning the {$4800.00}. This morning, XX/XX/2020, I received an online letter but could not open it through the online banking app because my stolen checking account was closed. I called Claims and they informed me they are debiting {$4800.00}. The actions taken by Chase are a clear violation of the Electronic Funds Transfer Act. I am not liable for any fraudulent activity after my XX/XX/XXXX XXXX Eastern time phone call to Chase reporting the theft and requesting that all accounts be frozen. I was a customer of Chase for 10 years, with an annual balance of over {$10000.00} and a mortgage over {$180000.00}. I ask the CFPB to please inform Chase of their violations and facilitate the return of the funds. Thank you. | ||||||
| 03/11/2023 | Yes |
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| I was the victim of wire transfer fraud on XX/XX/2023 in the amounts of {$5000.00} to XXXX XXXX ( however, the wire transfer is written out to XXXX XXXX XXXX and Chase Bank did, in fact, release the funds despite the incorrect name on the account ) at XXXX XXXX XXXX and a within-bank wire transfer to XXXX XXXX in the amount of {$2500.00}. I was reached out to via telephone call by an alleged Chase Representative by the name of " XXXX [ Last name Unknown, starting with XXXX ] from the Chase service number indicated on the back of the card XXXX. This individual discussed the fraudulent charges with me and created a claim for reversal during the call, allegedly. " XXXX '' confirmed my identity and ensured that was calling from Chase by triggering secure messages within the Chase online banking application such that a pop-up from within the application for online banking came up prompting a Yes or No response to the question " are you on the phone currently with our representative? '' ( This may not be the exact wording but to this effect ) before I could continue to see information within my account. This triggers clearance for ongoing internal affairs at Chase Bank, such that the representative could file the claim. The representative created the claim and scheduled a call back for the following day, XX/XX/2023 at XXXX PST or XXXX EST. Upon not receiving this phone call follow-up, I called Chase Bank back to which I was told that they had no records of the call. They stated they filed a claim at this point, sent an expedited debit card, locked my online banking, and sent out a forgery packet. They refused to give me any details about what happens next, timings, expectations, or any details. I find this frustrating especially given the fact that one of the transfers was made to another Chase account, meaning they may likely be able to review the details of the transaction. On XX/XX/2023 I filed a police report and again visited a branch location wherein I was told that my claim was denied given that I 'authorized " the transfer. This is untrue and upon telling the branch manager, I was told there is no appeal process or further investigation that may take place. She indicated that a " wire recall ' was enacted and she 'escalated " the case. She called the claims dept with me present and received the same little to no information that I had received and told me to call the claims dept again. I went into the branch again and again received little to no information, the same information as before, however, during the third bank visit, their computer system did indicated that someone had called in under my account on XX/XX/2023 and there bank employees names were listed, per the employee I was working withhowever, none of these workers were people I had spoken with on the day of the occurrence. This supports the notion of social engineering and Chase Banks lack of internal security. Each time I reached out bank personnel in person, the employees stated that they had escalated my concerns and that I was supposed to receive calls from the bank that I have yet to receive. I strongly believe there is social engineering at play and someone within Chase Bank is working with a Fraudster to obtain funds, among other personal theories given the sheer amount of information they would've needed to obtain for these transactions to take place. I have made XXXX and the local XXXX XXXX XXXX Police report. Since, I have followed up by making reports with the Federal Trade Commission and the Nevada Attorney General. The funds that were stolen from me were funds from my XXXX student loan remainder after tuition and are the only finances that I currently can live on and Chase Bank doing nothing to inform me of the processes taking or assist me. Since this original complaint was written on XX/XX/2023, Chase has done nothing to return my FDIC-insured funds. I have now filed complaints with XXXX XXXX XXXX Police, the FBI XXXX report, The Consumer Financial Protection Bureau ( CFPB ), and The Federal Trade Commission. The CPFB has since closed my primary complaint given that Chase Bank responded following declining my claim stating that I authorized the wire transfers -- this did not occur. I will be making a new complaint to have this investigated deeper since the Bank did not communicate thoroughly, securely, or efficiently with me throughout the process. Examples of this include not receiving promised phone calls, Chase employees and executive team not being consistent in their security or identification protocols, nor did I receive a claim form or affidavit via mail until XX/XX/XXXX during this investigation, despite the letter being dated XX/XX/2023 which may have resulted in a hasty decision being made by Chase Bank. I have had extreme difficulty reaching anyone at the bank nor have I been provided with information that I have requested the few times I have been able to reach them. | ||||||
| 01/24/2023 | Yes |
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| The Chase Sapphire Reserve credit card advertises " Trip Cancellation / Interruption Insurance '' -- as a frequent traveler, this is one of the reasons why I signed up for this card. I have two incidents from this summer that would fall under a " covered loss, '' and I have not been able to get my money reimbursed. ( 1 ) My father passed away on XX/XX/XXXX. The Chase Benefits website says that a covered loss includes " loss of life '' of " an immediate family member of the Cardholder. '' I had purchased a {$260.00} trip to XXXX with my Chase card that was scheduled to leave on XX/XX/XXXX with XXXX. I had to plan my father 's funeral and obviously could not go to XXXX on a vacation. XXXX was unresponsive and would not provide me with a refund, so I notified Chase Sapphire on XX/XX/XXXX with the submission of a claim that I would not be able to go on this trip because my father had passed away and I could not otherwise get a travel credit or refund. -- On XX/XX/XXXX I submitted copies of my credit card bill and copies of the travel booking. -- On XX/XX/XXXX I submitted the official copy of my father 's death certificate, electronic ticket receipt, booking information, an email chain with several messages from me to XXXX seeking reimbursement with no reply, emails documenting my original ticket purchase. After each submission, Card Services said I was missing documentation, but the categories were vague and they were not able to provide me with more guidance. I made additional submissions as guesses as to what else they might want. -- On XX/XX/XXXX I submitted terms and conditions from the XXXX website. -- On XX/XX/XXXX I submitted a letter saying it was unclear to me what additional information they could still want, and I asked to have them contact me to provide me with more guidance. No one contacted me and I got another generic email weeks later saying information was missing ( but no guidance on what exactly was needed ). -- On XX/XX/XXXX I submitted another letter, pleading with the company to help offer me more guidance. I provided my phone number and email address and asked someone to contact me. No one did. -- In XXXX, I received a call on a separate outstanding claim and I discussed this claim with that person as well. They said they would follow up and see what information they could find. No one did. -- On XX/XX/XXXX I called Card Services seeking additional information and they again said they would follow up and escalate. I no longer believe that they will do anything about this claim. It has been 7 months since my father passed, and I still do not have any indication of if my insurance claim will ever be processed or approved. It truly feels as though Chase offering these benefits to entice people to sign up for credit cards is a scam, and they are taking advantage of people. ( 2 ) My second incident took place in XXXX of XXXX. I purchased tickets to visit XXXX XXXX in XXXX, during a longer trip to XXXX. While we were in XXXX, there was an historic typhoon that was coming toward XXXX XXXX and all the news forecasts and the XXXX government said it was unsafe to be on XXXX XXXX. The Chase Sapphire website says that its Travel Cancellation/Trip Insurance covers `` severe weather that prevents the start or continuation a covered trip. '' Surely, it seemed yet again, this would be covered by these advertised benefits. I had booked an XXXX for {$290.00} and flights for {$240.00}. Again, I submitted all of the required information and have still not been able to receive any kind of refund. -- On XX/XX/XXXX I submitted my original claim. I did not submit this claim right away because I was worried about the company ignoring the claim regarding my father 's death if they saw I had two outstanding claims. I submitted confirmation details, emails asking XXXX XXXX for a reimbursement ( they ignored me ), messages from XXXX declining to reimburse me, news articles outlining the dangers of this typhoon, credit card information. -- On XX/XX/XXXX I spoke to someone on the phone and submitted additional requested information regarding my partner. -- On XX/XX/XXXX I called the company to ask for more details and they were again vague with when and if this could be approved, who would have authorization power, and more. They were essentially telling me the same thing ; that this would be escalated in some way, but with no firm guidance. I'm disappointed and appalled that a major credit card company that advertises its special benefits card with a {$550.00} annual fee makes it so impossible to receive any of the benefits. It feels like a scam to charge clients such an exorbitant fee, advertising all of the perks and benefits, and then making it absolutely impossible to then receive these benefits. I'm at a complete loss as to what to do, and I think this should be escalated and that Chase should face consequences for false advertising to clients. | ||||||
| 11/19/2021 | Yes |
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| Received a text on XX/XX/XXXX at XXXX a.m. from ( XXXX ) XXXX stating Free msg : Chase Bank Fraud Prevention Team : XXXX Did you authorize transaction in the amount of {$1200.00} from " XXXX '' on your card XXXX? Reply ( 1 ) for yes or ( 2 ) for no. This was the last 4 digits of the card I lost or was stolen, so I typed in " 2 '', then received another text that stated, " Thank you for verifying, a agent should contact you shortly. A phone call came from XXXX at XXXX and a man said he was XXXX from Chase Bank Fraud and assured me that the transaction I declined for {$1200.00} was not going to be paid. He also stated the women 's name that I do not remember. Then he stated there was another transaction that needed to be addressed. A transaction was being attempted via XXXX to withdraw {$1000.00} from my account to an account at XXXX XXXX Bank. He asked me to go to XXXX in my Chase Mobile app and send {$1000.00} back to myself. He explained that XXXX XXXX needed verification it was me they were sending the money to, therefore I received a text with a verification code from XXXX. ( Screen shots of texts have been provided in attached document below ) The text said XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within XXXX hours. XXXX code XXXX. Questions? XXXX. I provided him with the number XXXX and he said it was wrong and that it should be a 6-digit code, I then provided him with the code XXXX. He stated he needed to verify the code with XXXX XXXX representative. He verified the code and then said that XXXX XXXX needed to verify my email address. He asked for my email address, and I provided it to him. I then received an email from XXXX XXXX email address XXXX asking me to verify my email address. I clicked on the link to verify my email and received another email from same email address with a verification code XXXX I was to provide to the caller. ( Screen shots of the emails I received are in attached document below ) I received another email from the same email address confirming my email address. The man walked me through the process of sending a {$1000.00} to myself via XXXX using my cell phone number but it was not working. Therefore, he asked me to do it using my email address. I verified the email that I was sending the money to was correct and was my current email address. He assured me that it was safe and that he would monitor my account. Also stating that the balance in my account would not change and that he would monitor it. After hanging up with the man I received another email from XXXX XXXX with a confirmation code XXXX and it also said that the money was sent to my XXXX XXXX account ending in XXXX. I then realized that this was a scam, since I do not have an account with XXXX XXXX. I immediately called Chase Bank and reported it. In addition, I had recently lost my debit card, locked it and reported it lost earlier in XXXX. I also has several other fraudulent transactions on my account that I reported. I thought these other issues were additional fraudulent activity on my account due to the loss of my debit card. Chase had me on hold for approximately 90 minutes before I reached someone, then gave me the run around transferring me to several different departments. Needing to explain the situation several different times. The result was that they would report it to XXXX, however there was no way to recover my money. " We are very sorry this happened to you but Chase does not have recovery rights. Meanwhile {$1000.00} was taken from my account. Perhaps had I not had to wait for 90 minutes before speaking to someone, the transaction could have been intercepted. I called Chase again on XX/XX/XXXX at XXXX p.m. to attempt to unlock my online account. I was on hold for another XXXX minutes until I was able to speak to someone. They transferred to me XXXX who asked me to explain my situation and then said sorry he could not help me. He transferred me to Claims and again I had to explain the situation. Was again told " We are very sorry this happened to you but Chase does not have recovery rights. They transferred me to Internet Services to be able to have my online account unlocked, a woman name XXXX began to help me and during a three-way call with a verification service the call remained connected, however I could no longer speak to anyone. I hung up the phone and called back, initially made contact, but was transferred to someone else because they were not authorized to help me. On hold for another 90 minutes, then received a message that due to extenuating circumstances they could no longer help me and was told to call back at another time and call was disconnected. The Electronic Funds Transfer Act ( EFTA ) and Regulation E covers XXXX transactions, therefore I dont understand why Chase Bank is taking the stance that they cant help me. I am a single Mom struggling to make ends meet and am now out {$1000.00}. | ||||||
| 04/21/2020 | Yes |
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| I was trying to find a roommate using XXXX. On XX/XX/XXXX, someone named XXXX contacted me on XXXX saying that she was interested in the room. I listed my room for XXXX USD, so I asked for XXXX USD for the first months rent and the same amount as deposit. XXXX, the person describing herself as 19-year-old XXXX XXXX XXXX doing research in a remote area in Hawaii, wrote me that her father pays her bills and that is why he will send a Cashiers Check. She also asked me if I can help receive her car shipment to New York by paying the bill to the shipping company when her car arrives and that her father would send extra money for that. I accepted and I received a cashiers check with an amount of XXXX USD on XX/XX/XXXX through XXXX. Once I received the check, XXXX asked if I can send XXXX USD in cash in an envelope to an address that she would provide for the transfer of her car. I refused to do so before receiving the car. I told her that I can not send money to anyone, but I can keep her extra money until she comes. She agreed. So, I mobile-deposited the check into my account on the same day, XX/XX/XXXX. The next day she texted me and told me that the money was withdrawn from her fathers account already and I should check if it was cleared. When I checked my bank account, I saw that the money is shown in my balance. When I told her that it was cleared, she again asked me to send at least XXXXUSD to the company shipping her car to prevent extra charges. Finding the situation suspicious, I refused that demand, too, and called my bank Chase to cancel the transection and return the money to its original sender. The representative of Chase told me that the check was already deposited and cleared, so it can not be cancelled or refunded by either party. I asked if the sender can cancel or withdraw the money under any circumstances, and she told me that nobody can cancel this check anymore since it is cleared. Later that day the person claiming to be XXXX father contacted me and threatened to call police if I giver his daughter hard time by keeping her money. So, relying on banks explanation and thinking that I am keeping somebodys money in my account unjustly, I accepted to send the extra money to the persons XXXX asked me to send. Since the XXXX accounts she gave me appeared to be tied to a debit card, I was not allowed to send it from my business account where I deposited the check. Hence, I transferred the same amount of money from my business account to my personal account and then made the payments from my personal account. I sent XXXXUSD to XXXX XXXX at her XXXX account with the email address XXXX on XX/XX/XXXX. The same day she asked me to send the other XXXX USD to complete payment for the cars shipment. For some reason, the system gave me an error when I tried to send it. So, she gave me another XXXX account un the name XXXX XXXX and the email : XXXX the same day. The day after I sent them the money, XXXX contacted me and wrote me that her fathers friend died from XXXX XXXX and he is now worried about her coming to New York. She asked me to keep the XXXXUSD deposit and send the rest back to her. Convinced that this is a fraud case, I refused to do so and stopped writing to her. Two days later on XX/XX/XXXX, when I checked my bank account, I realized that Chase cancelled the check and withdraw the XXXXUSD. I immediately called Chase to ask for an explanation. They said that somebody notified them that the check was fraudulent, and they had to refund it. When I told them that they themselves ( the bank ) told me that this check was cleared and can not be cancelled by anyone, they offered me no explanation other than repeating that they can not do anything about it. So, the money was taken from my account on XX/XX/XXXX. Chase also refused to cancel and refund the XXXXUSD I sent from my account claiming that those were completed actions. So, Chase helped them stole my money by misinforming me. Also, by not cancelling the check when I asked them to do so, they put me in a situation where I had someone elses money in my account, whose father was threating me by going to police if I do not sent it back. So basically, even though I was perfectly aware of the situation being suspicious and contacted my bank to prevent it, Chase misinformed me which resulted in the situation I am in now. These people probably know this loophole in banks and they are taking advantage of it. Also the fact that this was a CASHEIRS CHECK makes Chase hundred percent responsible for the loss of my money. On top of everything, Chase also charged a XXXX $ fee from my account for the check being fraud. Person contacting me for the room : XXXX XXXX XXXX Her number : XXXX XXXX XXXX Number of the person claiming to be her father : XXXX XXXX XXXX Name on the check : XXXX XXXX XXXX name on the check : XXXX XXXX XXXX. People to whom I sent the money XXXX XXXX XXXX XXXX XXXXUSD XXXX XXXX XXXX XXXXUSD | ||||||
| 07/18/2021 | Yes |
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| On XX/XX/2021 I received an email offer from chase and they would give me XXXX dollars if I opened a checking account and deposited XXXX within 30 days. I opened the account and did a mobile deposit of 3 checks. Two checks were from XXXX XXXX XXXX XXXX XXXX to me for XXXX dollars for a total of XXXX. I also deposited 1 check from XXXX XXXX XXXX for XXXX dollars. On XX/XX/XXXX I opened the app to deposit another check. My ability to mobile deposit was removed. The next day I received my debit card from chase in the mail. I also received a separate letter saying my account was being closed to please call this number for more info. I called the number stood on hold for 30 mins to find out because the address on the XXXX XXXX XXXX XXXX check is different from the address the phone number is listed at chase was unable to verify the validity of these 2 checks and for that reason my account would be closed. I asked how I could help them verify the checks. I offered the cell phone to my boss who owns XXXX XXXX XXXX XXXX I sent a picture of my XXXX XXXX XXXX XXXX XXXX company credit card with my name on it. I was told repeatedly there is no way to verify these checks Chase could only call the company if the address matched the address on the check. They couldnt call any other number for any reason and wouldnt except incoming call for verification. period no if and or butts. This was over the course of several days of phone calls each time waiting on hold each time trying to resolve only to be told the same thing .. I finally gave up on my account being reopened. and asked how do I go about getting this money returned to me. I was told by Chase Support the only way is to have a stop payment placed on the checks and have my employers reissue new checks to me. I reluctantly went to my bosses from both companies explained the situation. Luckily they were both willing to help. Unfortunately when my boss call XXXX XXXX XXXX XXXX he was told you cant stop payment on a check that had already cleared. My boss had me call the branch manager myself to explain the situation. The branch manager said that Chase would know that a stop payment couldnt be put on a check that has cleared what I would need would be for XXXX XXXX XXXX to do a reverse of funds or reverse payment. In order for XXXX XXXX XXXX to do this I would need a police report saying that someone cashed a check belonging to me or check fraud. When I went to the precinct I was told they couldnt help me. They couldnt say that chase fraudulently cashed my check because I made the deposit. I called chase back and explained all this info. I asked to have someone just call the branch manager for XXXX XXXX XXXX bank and explain to them what they must do to get this money from chase back to my bosses XXXX XXXX XXXX account so my boss could issue me a check for my pay. I was told they couldnt call XXXX XXXX XXXX. I asked if I was using the wrong terminology when asking my boss to put a stop payment. I was told again it is the correct terminology. I called XXXX XXXX XXXX and the branch manager of the bank whom my boss has a 20 year relationship with said XXXX I would really like to help you and I would do anything I could to get this money back for you. Unfortunately I cant stop payment on a check that has been cashed and I cant do a reverse payment with out the police report. I will see if I can help you or get more info but this is a chase thing and its them that you need to work with to resolve this. I dont know what to do I am at my wits end. My last phone call to chase after being on hold for over 30 mins and explaining my whole story to the lady from chase customer support. She had the nerve to say its a lose lose situation I asked her how chase was losing they have my money Im jumping through every hoop to get it back. I spending hours on hold, my bills were late for the first time in over 7 years because I didnt have access to this XXXX dollars. It feels like a lose lose lose and I am the only loser. her answer was chase is losing a customer. .. I dont know what else to do .. I dont know who to contact for help. When I look online it seems chase does this all the time. The problem is we have no recourse. If someone took a knife and robbed me I could go to the police, if someone scammed me I could have them arrested. But instead this bank gets to do this to hundreds of Americans if not to thousands and we have no recourse for us. Even if we manage to get the money back we suffer all the consequences. Please I need help. Im not a rich man. I rent my apartment, I own a XXXX year old car. Im not asking for charity I am only asking for what is mine to be given to me. The sad thing is I have been a XXXX XXXX customer since Im XXXX years old. But because of the extra abilities of chase like access to XXXX and the offer of XXXX bucks I decided to open this account. But that still doesnt make it OK to just steal my money. | ||||||
| 08/23/2023 | Yes |
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| This complaint was already submitted under certification code XXXX. I received a requested for documentation while managing a medical emergency. If you require supporting documentation- please let me know and I can submit that as well. Summary of original claim : The history is as follows : My father ( XXXX XXXX XXXX opened a Chase credit card in XX/XX/XXXX ending in XXXX. As his daughter, I was designated as an Authorized User. That account was closed in XXXX and a new number was assigned to the account now ending in XXXX. ACCOUNT ENDING XXXX My father passed away in XX/XX/XXXX. In XXXX, I received a bill for his credit card in my name to my address. I have a copy of that statement if you would like. I spoke with Chase representatives about this issue multiple times during XXXX. Some key dates related to the information provided in this complaint are : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase claimed that I was not an authorized user but a joint user - leading them to report to my credit score bills that consisted solely of my father 's charges. On recorded lines, Chase representatives refused to provide me with documentation of joint status but claimed that my father upgraded me from an authorized user to a joint user. After meeting with multiple supervisors of local branches it was affirmed ( supervisorID : XXXX on XX/XX/XXXX ) that no one can " upgrade '' a person from authorized user to joint owner without consent and without application to Chase. I was also told by this same supervisor that Chase last had a status option of joint ownership, in the XXXX and XXXX. However, in the years at issue with my father 's bill, there was not even an option for joint ownership of a credit card account. At no time did I ever apply for status as a joint owner of the account or agree to be a joint owner. Since the summer of XXXX, I have repeatedly requested documentation proving Chase 's claim that you were a joint owner was repeatedly refused. In XXXX, while advocating to have XXXX remove my name from the account ending in XXXX, I received a separate bill for over {$100000.00} in my name for an account ending in XXXX. It turns out this was my stepmother 's account ( she died 9 hours before my father ). She was not legally connected to me in any form that I know of and I have no idea how her expenses were put in my name. ACCOUNT ENDING XXXX The last bill I received was in XX/XX/XXXX. I have copies of the bill from XX/XX/XXXX that I can send if you require it. That bill shows the following : Previous Balance -- {$16000.00} CREDIT -- {$97000.00}, for a remaining balance of NEGATIVE {$81000.00} Until XX/XX/XXXX, bills continued to come in my name on my deceased stepmother 's ( XXXX XXXX XXXX ) XXXX account, even though the XXXX XXXX balance was a negative {$81000.00}. I have claimed fraud to Chase in relation to both instances -- accounts XXXX and XXXX. Chase seems to have now merged my father 's expenses and my stepmother 's expenses into one bill because the XXXX account has charges from the XXXX accounts ( such as my father 's assisted living and prescription medication -- not one expense that I charged ). Presently : The balance of the account ending in XXXX is still being reported to my credit score, despite my having no access to those cards or accounts and the charges within being 100 % my father 's and his wife 's. Chase is claiming that despite the account not showing up on my online banking, their records show that I am liable. I demand that these bills cease to be reported to my credit score and that the errors in reporting since XX/XX/XXXX be corrected. _______________________________________________________________ I would like to resume and respond to my complaint about JP Morgan and Chase Credit Card. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX with Chase letterhead stating that the accounts detailed in my complaint are fraud and I am not liable : " We completed our review and the account will be accepted as fraud and you are not liable. '' However, Chases executive office called me stating that they refuse to correct my credit score because I am liable for my father 's credit card debt. They claim I am a joint user on the card. I said that I would like documentation Ive requested for three years that supports this claim and they said they cant provide it only the estate team can. I told them I requested it from that team already and they told me that their records show it was provided. I never received anything. As mentioned in my original complaint to XXXX all of these charges are those of my deceased father and his wife. They are reporting my deceased father and stepmother 's debt to my credit score despite the affirmation that these charges are fraudulent and I am not liable. How do you recommend I proceed with having my credit score corrected and ensuring Chase ceases harassing me? Thank you, XXXX XXXX | ||||||
| 01/21/2019 | Yes |
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| On XX/XX/XXXX, my husband I purchased six XXXX champagne glasses from a vendor, XXXX XXXX, in XXXX, XXXX for the exchange rate price of {$1000.00}. The purchase was based on a model product in the vendor 's showroom, with the final product shipped to us. The glasses arrived via XXXX on XX/XX/XXXX. Immediately upon inspecting the product, we found that the quality was defective and the items were not in fact the same as the glasses we viewed in XXXX, and upon which we made the purchase ( different shape, different materials ). On XX/XX/XXXX, I emailed the merchant noting that the product was not what we ordered, requesting that they provide the product as represented or a refund. On XX/XX/XXXX, the merchant responded that the glasses are first quality items, refusing to offer any resolution. We responded again on XX/XX/XXXX, again requesting that the merchant make it right. The merchant did not respond. We reached out to the merchant again on XX/XX/XXXX, noting that the matter would be taken up with our credit card company. No response. On XX/XX/XXXX, I submitted a dispute to Chase for " item not as described/defective. '' In their response to Chase, the merchant stated that we " personally selected the six glasses. '' This is not true. As per the original response to us from the merchant, the glasses were made after the fact ; they are not glasses that we selected. The communication I had with Chase was regarding the merchant 's misrepresentation that we purchased the glasses in person. At no time was I ever advised to return the glasses. On XX/XX/XXXX, I received a letter from Chase notifying me that my dispute was denied because I " did not return the merchandise, '' this despite the fact that I was advised by Chase during one of our conversations that we were not required to return the merchandise. I called Chase who advised me to resubmit documents to reopen the dispute. On XX/XX/XXXX, I submitted a request for the dispute to be reopened. On XX/XX/XXXX, Chase once again closed the dispute without speaking to me, again stating that I failed to return the merchandise. This letter was not sent to me directly via mail, despite the fact that I faxed and mailed my dispute letter. Instead it was added to my account notices, which I did not receive until XXXX when I went searching for resolution, having never heard back from Chase. I discovered that without speaking to me, Chase reopened and closed my second dispute in less than 5 business days, without making any efforts to contact me. I called Chase again on XX/XX/XXXX. I was advised initially that the dispute was closed. I asked to speak to a supervisor, XXXX. He first advised me that I could have no recourse since it had been " so long since the original transaction. '' I informed XXXX that this transaction had been in dispute since XXXX so I did not understand why further action would be time barred. He then came back and told me a number of contradictory things. He stated that Visa denied my dispute because they had no evidence that I returned the merchandise. He then stated that returning the merchandise would not make a difference since the contract states that there are no refunds. He then said that I needed to show continuous efforts to resolve the matter with the merchant, even though the merchant had never communicated again with us. I was informed that I was required to make the right efforts to resolve the matter with the merchant now that Chase had denied my dispute. He could not tell me what would constitute right. He repeatedly advised, however that I actually had no recourse so I need not waste my time. I asked if I should return the merchandise and was told he could not or would not advise me to return the merchandise, despite this being the stated reason for denial of my dispute. I was told I should again reach out to the merchant and ask them to accept a return of the merchandise and then I can resubmit to reopen the dispute. I asked why I would be required to continue making futile efforts to communicate with the merchant, when the matter was being disputed by Chase and the merchant had not responded to my repeated inquiries. I also asked what was the point of me resubmitting the dispute if Chase would not bother communicating further with me. The experience with Chase has been frustrating and unhelpful. They have not communicated effectively with us and have provided contradictory information. They have also failed to specify exactly what it is we as the victimized consumer should to retain these funds. As noted to the Chase agent, we have done everything asked but they have been unhelpful and have failed to advocate on our behalf. Chases actions have sought to obfuscate this matter and discourage us from pursuing our rightful recourse. I was advised several times during my phone call with XXXX that I should abandon my efforts, which was disappointing and made me feel further victimized. | ||||||
| 03/05/2020 | Yes |
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| For the past 11 years, we had a mortgage through Chase Bank on our house at XXXX XXXX XXXX in XXXX WI XXXX. In XX/XX/XXXX we listed our home for sale and had more than 30 showings. People loved the house but not the backyard because behind the fence was over 50 stores that had opened, as well as a large trauma one hospital which opened XX/XX/XXXX. Then the State of Wisconsin sent expansion embankment ( roan expansion ) of road behind our fence due to so many accidents. Because of all this, we decided in XX/XX/XXXX to list our home as a short-sale because it was not selling. The first buyer for the short-sale walked away on closing day in XX/XX/XXXX. Since XXXX of XXXX we decided to have XXXX as our new lender and they were updated the entire time. XXXX ran our credit, chase bank is not on our credit report. During the short-sale process that second time, while in underwriting, Chase Bank sold our loan to XXXX XXXX. XXXX stated they would start where Chase Bank left off. XXXX XXXX took 2.5 months to review our loan that was left in short-sale underwriting. During those 2.5 months XXXX XXXX would send people to our house serving us with foreclosure papers while they were reviewing our loan. XXXX, I called XXXX XXXX regarding these letters they told me to disregard them since our loan was in a short sale process. Bank finally approved the short-sale closing for XX/XX/XXXX. Our offer was accepted by XXXX for XXXX XXXX XXXX, XXXX. We were scheduled to close XX/XX/XXXX. XXXX was aware of everything going on since XX/XX/XXXX and they had run our credit 5 times, had LESs, current XXXX XXXX orders, XXXX, benefits letter, etc. Since there was a gap between closing on XXXX XXXX XXXX and the home we were approved for, the seller agreed to allow us to stay until closing day with a commitment letter from XXXX for {$50.00} a day. But on Friday XX/XX/XXXX XXXX called to get our commitment letter and stated that our application was declined because our loan did not show up on our credit report. We were stunned because XXXX had to have been aware that the loan payments were not showing up on credit reports they had previously pulled. We were told by XXXX that we were fine because we are not in control of reporting to the credit reporting agency. We were not aware until XX/XX/XXXX that our home was not on our credit report, XXXX told us. On XX/XX/XXXX, XXXX used 3rd party company XXXX and with me on the line, called to verify our loan with Chase Bank. Chase Bank stated that we had to call XXXX and would not help us. On XX/XX/XXXX our realtor XXXX called XXXX on 3-way and we spoke to a manager XXXX in underwriting. She stated our loan was declined because its a short-sale. She stated the military considers short-sales and foreclosures the same. We did not know where we were going to live starting XX/XX/XXXX. On XX/XX/XXXX, because we did not have a commitment letter, the seller put his house back on the market. This meant we did not have anywhere to live starting XX/XX/XXXX because closing on our current home was XX/XX/XXXX, and XXXX then told us to seek out homeless services in our area. Since our family includes XXXX children plus pets, we decided instead that for the safety of our children we would immediately search for hotels in the area and stay there temporarily, and our realtor helped us find an apartment that we hoped to move into possibly starting XX/XX/XXXX. On XX/XX/XXXX, we started living in the XXXX XXXX XXXX with our XXXX children and pets. I did not feel safe On XX/XX/XXXX, XXXX XXXX sent us referrals to XXXX XXXX, to JAG who said they may have an intern to help figure out why XXXX never reported our mortgage payments to a credit reporting agency, and to the financial counselor nearest XXXX. We were advised to try XXXX XXXX, XXXX XXXX declines us. We also appealed their denial also getting denied 3 days later. XXXX XXXX decision for denial letter had a boxed checked collection action or judgment. I searched our name on Wisconsin Circuit clerk and to our surprise Chase bank filed electronically to foreclose on our home XXXX. We realized we were getting denied on our new home due to this action taken. Wisconsin circuit clerk access is public access. This has been both extremely stressful and expensive. We have had a XXXX in our driveway since XX/XX/XXXX at {$250.00} a month. We are located in a subdivision where houses sell in a matter of days. We didnt expect to have to do a short-sale, and all these expenses have mounted up putting great financial strain on our family. In addition, all of our frozen and refrigerated food had to be thrown out, as well as the food in the extra freezer in the garage. And, a lot of sentimental items also had to be thrown out because we did not have enough room in the XXXX and storage facility. With 19 years of military service and family sacrifice, we would greatly appreciate any assistance you can provide. | ||||||
| 11/18/2023 | Yes |
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| On XX/XX/, we received a letter from XXXX that our loan was sold to Chase Mortgage. That letter was dated XX/XX/. The letter stated that our loan would be transferred to Chase effective XX/XX/. On XX/XX/, we received an email from Chase notifying us that they were our new lender and stated they sent us a letter on XX/XX/. We never received a letter from Chase. On XX/XX/, we modified our payments so they would be sent to Chase. On XX/XX/, we logged into our account and had not seen a payment posted although our bank showed that Chase received our payment on XX/XX/. To avoid a late fee, we immediately made an online payment which was posted to our account on XX/XX/. On XX/XX/, the originally payment from XX/XX/2023 was posted to our account. This was posted as additional principal vs as the XXXX payment. After back and forth with Chase, they reversed the additional payment and posted the second payment to XXXX. On XX/XX/, we received an email stating that the transfer between XXXX and Chase was finalized. On XX/XX/2023 we received our first email notifying us that our statement was available for XXXX. In XXXX we set up automatic payments given the issues we already encountered with the first payments and to avoid issues going forward. Since XXXX and XXXX were accounted for, automatic payments were due to start on XX/XX/XXXX. We received no email in XXXX notifying us that our XXXX statement was available. On XX/XX/2023, we received an email notifying us that our statement was available for XXXX. On XX/XX/XXXX, we received a Past Due notification via email. This was the first past due notification, so we believed something happened with the XXXX automatic payment. We immediately reached out to Chase on XX/XX/XXXX to understand the issue. We also immediately made 2 payments on XX/XX/XXXX to cover XXXX and XXXX once we were notified that the XXXX automatic payment did not work. We also immediately went into our account again to set up automatic payment this time validating with Chase, via secure email, that automatic payment was set up. Upon communication with Chase, they reversed our late fee. However, they had already reported the late payment to the credit bureau at that time. We immediately filed a dispute with Chase to reverse the negative reporting to the credit bureau and after investigation they stood by their decision and believe they had done nothing wrong. On XX/XX/, I reached out to Chase and they validated the following information : 1. They did not provide us 15 days notice of the sale of the mortgage which is required by law. 2. They were not set up to take payments until the XXXX XXXX days after the XX/XX/XXXX due date stated in their XX/XX/XXXX email. 3. They received and held our XXXX payment for 12 days without posting, which resulted in us having to send a second payment to ensure it was received within the grace period. It was obvious they had several technical issues from the beginning given the validated information I have provided. 4. They did not send us periodic statements ( each billing cycle ) per their policy and per the Consumer Protection Act 5. They validated they had correct phone numbers and email address and they did not use any of that information to communicate the XXXX late payment to us. 6. They stated they called numbers several times, which we can not validate ; however, one number is disconnected and the other number, when you XXXX it, goes to an HOA. These numbers were not provided to them by XXXX nor have these numbers ever been used by us. We have done over 8 loans with XXXX, all have been sold, and all new lenders have received the same, correct contact information for us. We have had no issues with any other lender. 7. When we disputed the actions with Chase, they did not notify the credit bureau of this dispute and still have not reported that there is an ongoing dispute. We believe that Chase has maliciously reported a late payment to our credit bureau without following the laws they are required to follow from the very beginning. Had their system been properly set up to handle the sale and had the team followed their process, we would not be in the situation. We communicated with Chase to ensure that the payments were there and even made additional payments to avoid issues. We did everything in our power to avoid this situation and Chase still reported us to the credit bureau without communicating to us and will not take responsibility for their actions. I also want to add that we have a very low interest rate. Given the fact that they did not communicate in XXXX which happens to be just past the 60 day grace period for reporting ( XX/XX/XXXX would be 60 days ), we believe the malicious intent was for us to get to the 60 days past due so they could increase our interest rate. We also believe that this is why they are standing by their decision not to overturn reporting to the credit bureau. | ||||||
| 08/10/2022 | Yes |
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| To Whom It May Concern, This letter is to address a fraudulent claim that I opened on XX/XX/XXXX regarding account activity that occurred on XX/XX/XXXX on my Chase Mobile app. There were two XXXX payments that were fraudulent as my phone, wallet, and other personal belongings were stolen and compromised. I did not make nor authorize the bank transfer and or take money out via XXXX to XXXX. My call from XX/XX/XXXX to the fraud department should be highly notated with this information. I also am working on getting more to back up my evidence that I did not make these transactions. Below is more information that I was able to pull from other charges pertaining to the robbery I was involved with. All institutions have been contacted and there are pending case numbers for the below transactions as well. Regarding Chase, I did not authorize the transfer or both XXXX payments to XXXX that had occurred on XX/XX/XXXX. Below is a record of other claims and updates filed in accordance with the case/robbery that I am advising of for proof that this was just not an attack on my chase account, but my overall identity. I hope to again have more details in the coming days for you, but this is what I was able to get done with so far. Other claims relating to this indecent are posted as below. XXXX XXXX Credit Card Fraud case ( case number available In XXXX days ) - XX/XX/XXXX {$1300.00} charge at XXXX XXXX XXXX XXXX - Declined - XX/XX/XXXX - {$670.00} charge at XXXX XXXX XXXX XXXX - Declined - XX/XX/XXXX XXXX charge at XXXX XXXX XXXX Declined XXXX XXXX XXXX XXXX XXXX initiated XX/XX/XXXX - XX/XX/XXXX - {$2000.00} charge at XXXX XXXX XXXX XXXX Approved/Pending XXXX Credit Card Fraud Case XXXX XX/XX/XXXX XXXX {$2400.00} charge at XXXX XXXX - Declined XXXX XX/XX/XXXX - {$1300.00} charge at XXXX XXXX in XXXX XXXX Pending - XX/XX/XXXX {$160.00} charge at XXXX XXXX - Pending XXXX XX/XX/XXXX {$38.00} charge at XXXX XXXX - Pending XXXX XX/XX/XXXX {$2.00} charge at XXXX Approved XXXX XXXX XXXX Email XXXX I called the XXXX XXXX XXXX today, XX/XX/XXXX to inquire about the charges, using the XXXX that is pending as a case for reference since it seemed to go through. I also asked for a manager contact. The hotel stated these charges were used for room stays, to which they validate ID and Credit Card ( which they both had in my wallet ). The contact for the GM is above and the hotel can be reached at XXXX option 1. I was told that they can not locate my charges as they are currently pending and can not locate my name in their system. I emailed the GM with my info per the above as a follow up in the meantime. XXXX XXXX I called the XXXX XXXX to attempt to get a contact there and personally dispute the transaction on my XXXX. The person that answered passed my message along to the owner of the restaurant. Police Report - I also filed a police report with the city of XXXX so records and documents could be obtained if needed. The officers information and case number are above. I obtained the police report ID -Officer XXXX Badge XXXX Case Number XXXX Robbery Department XXXX. I called the number for the robbery department on XX/XX/XXXX and had to leave a detailed message regarding the updates in the letter addressed. I am waiting for a call back on this as well. GM at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I spoke with the desk clerk at XXXX hotel in XXXX where I was staying quickly after the police report was filed and followed up today, XX/XX/XXXX to advise we located my phone as well as filed a report. XXXX support team will be notified to see how many keys were issued by the front desk and or if there were any issues with the locking mechanism of the door to the room I was in. XXXX is ops manager that I dealt with. He also will notify the GM that has access to the cameras to see if anyone approached the desk to get a new key issued. Please let me know if you have any questions and feel free to contact me at any time at XXXX. I have not yet obtained my phone, but my calls are currently being forwarded. My email is XXXX as a reference. If more information is needed or follow up on my end, I am happy to do so, but will continue to work on provide more detail as I make more calls and follow ups. I am hoping to resolve this with Chase directly as well as the other institutions and would like to see this cleared up timely if at all possible. Updated XX/XX/XXXX I confirmed with Chase the investigation was under review, however, they stated that XXXX was done with my banking app and even if fraud, is non-refundable. I am now trying to send this to the Consumer Finance Protection Buearu as I did not initiate those transfers and activity. Id like my account to be refunded in the amount of {$900.00}. Claim Number XXXX My credit cards have also been refunded since originally writing this letter XX/XX/XXXX and I would like to have my bank do the same. Thank you, XXXX XXXX | ||||||
| 04/21/2019 | Yes |
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| I am XXXX member since XXXX. I am writing regarding my unpleasant reservation experience. I was trying to use my chase anniversary free night which was expired on XX/XX/XXXX, on my upcoming reservation. On XX/XX/XXXX, during the day I checked on my cell phone XXXX app and I found out that my free night was gone. Therefore, when I was available, at XXXX PDT local time, I called XXXX for inquiring the disappearance of my free night certificate. A female representative answered my call and stated that on her computer the free night which would be expired on midnight on XX/XX/XXXX was still available but I had to let her make my reservation via phone call since it was already gone on my end. Later, she asked me how I would like to use the free night. I answered I would like to use it but I have to look up my itinerary. In order to save her some time, I told her that I would look it up and call back soon. After 20 minutes, after my arrangement of my itinerary, I called that number again but this time it was picked up by another representative. I stated my request but he told me that the free night which I wanted to use was expired already. I restated the whole situation to this gentleman but he insisted that the free night was expired, no reservation could be made at the time. Then I was transferred to couple other persons -- one of them was a lady, saying that it was just A MISTAKE made by the first female representative, and emphasized that absolutely NO compensations offered such as discounted rate, bonus XXXX points, free night reissue could be provided under this circumstance. Then I requested to transfer to supervisor. After a long period of hold time, she asked me about where and when I would like to use the free night. I answered but she put me on another long period of hold. Finally, the supervisor named XXXX picked up, after my explanation of the entire situation, not only did the supervisor refuse to offer any help, but also he challenged me by interrogating me why do I make a last-minute reservation. During the call, he emphasized again and again that nothing from their end could help or do for me cause the free night was expired already, and that he had no idea why the first representative would guarantee my free night was still applicable. He took ZERO responsibility for such result but blaming me for my last-minute reservation. After knowing my desired hotel needed a free night or XXXX XXXX points to book, he at last offered XXXX XXXX points as a compensation, which DID NOT HELP AT ALL since this was not even worth XX/XX/XXXX of my original hotel points. As a long-term XXXX member, I am indeed disappointed at this quality of service, mainly for the following reasons. I called 3 times and answered by 5 or 6 different people. All the results I received varied from each other. The first call said I COULD use my free night but I had to let her make the reservation for me. The second call said it was expired already and NO compensation could be made. The third call said it was expired but could give me XXXX points. All the responses were inconsistent. Now I had booked my flights and arranged my schedule for the trip only because the 1st representative told me I could use it. But now I did not have the free night that I was supposed to have. It was a COMPLETE WASTE of my time and money. There are ambiguous rules about time zones. When I made my first call, it was XXXX at my local time, and the representative said even though it was over midnight at EST but it was available. But I called 20 minutes later it was not anymore. The supervisor emphasized that it was because when I made the first call the first customer representative COULD still see my free night at her end because of her time zone. But later when I made my 2nd and 3rd call the representatives COULD NOT see it because of their different time zones. Furthermore, I reviewed the terms and conditions of the free night redeem myself and DID NOT find any rules specifying what time zones I should be following to make my reservations. In sum, I found it EXTREMETLY DISRESPECTFUL AND CONFUSED by the vague rules and miscommunications between your dear representatives. It is the basic courtesy that the customer representatives help the customers with high-valued reservation and experience. But this last customer representative supervisor named XXXX highly violated this courtesy by interrogating me about my personal plans. When I stated that it was because of their miscommunication he refused to admit or take any responsibility. He blamed this all on the customer which I regarded as HIGHLY UNPROGESSIONAL. XXXX has always been my favorite hotel to stay, but this unpleasant experience has let me question about your customer service quality. I hope you can review this case carefully. I do not want to be sacrificed as the victim of your miscommunication among your unprofessional staff. | ||||||
| 06/27/2019 | Yes |
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| I received a promotion offer from Chase in early XXXX ( The offer is explicitly addressed to me ). The offer is to give me {$300.00} for opening a saving account. I brought this coupon to the bank around the end of XXXX. The bank honored the coupon and I opened the account. Sometime in XXXX, I called the Chase customer service regarding this saving account, and was told I could keep this {$300.00} opening bonus even if I closed the account that day as I already kept the balance of {$25000.00} for 90 days. However my account can not be closed via phone, instead he suggested me visit the local branch. On XX/XX/XXXX, I went to local branch ( XXXX XXXX, XXXX, FL ) and expressed my intention to possibly close account, as the previous communication with the telephone banker indicated I would not lose the {$300.00} opening bonus. After we sat down, the banker from the branch closed my account right way without confirming with me. Before she closed my account, she already knew that closing the account would cost me {$300.00}, but she still proceeded without even telling me. She said I needed to keep the account open for 6 months or the opening bonus would be forfeited, which was not mentioned during my prior communication with telephone banker or by her before she closed my account. I requested her to reverse the closure immediately, but she refused, coldly. I asked to talk to the manager, but disappointingly the manager behaved the same : did not show care to his customer, but instead acting like a victor for robbing money from me. They even asked me for my signature, but I rejected as clearly closing the account was not what I wanted to do. I stepped out the branch and called the other Chase branch ( XXXX XXXX, XXXX, FL ) where my dedicated Chase Private Client ( CPC ) banker works. I talked to the manager of the branch, as the CPC banker I worked with was out of office that day, and she agreed to re-open the account for me if I could meet her in the branch. I got there shortly, and met her delegate. Her delegate told me that she was able to re-open my account, and I should be able to see the {$300.00} back to my account in a few days. Couple days after I still did not see the money back and called Chase again to submit a complaint. After that I received a call from escalation team blaming me for using coupons before and as a result they refused to credit me back. Also I was told that my account was not ever re-opened, which contradicted with what I was told on XX/XX/19 in the second branch ( XXXX XXXX branch ). Now I am really concerned with banking with Chase. It is Chase who sent me the coupon to lure me to open the account and it is Chase who agreed to honor the coupon when I initially open the account. And now I am blamed and penalized for using the coupon. To me, it is nothing but cheating. Bank has right to pick its customer, and I, as a customer, have right to decide where to bank. If Chase does have the hidden rule of allowing only one-time use of coupon, it should either not send to the customer who has used the coupon before, or at least not honor the coupon at the time the account is opened. Unfortunately what Chase did was to promise everything when they want your deposit, and recklessly take it away when time comes out. Besides, I have the long-term belief that a good banker would help customer to make the right decision, however now my belief totally collapsed thanks to Chase.The banker I experienced with the other day was apparently doing the opposite : she clearly knew that closing the account is not in the best of my interest, but she intentionally hid the information and made the bad decision on my behalf without my consent. In the following conversation she made up the story and insisted that it was I who requested to close the account, but clearly it does not make any sense. If I did want to close the account, why would I go to the second branch on a hot summer day asking to re-open it? It does not make any sense, using anyone 's common sense. Also the information Chase provided is not consistent and I feel hard to trust any of them. On one hand, I was asked to go to a local branch on a hot summer day and told that my account was successfully re-opened. On the other hand, I was told my account was never re-opened. It makes me really confusing as if they just want to play with me. I have been with chase for over 10 years, and use Chase to manage most of my financial needs. I once had confidence with Chase and decided to move all my money to Chase, and that is why I upgrade to Chase Private Client. However now their deceptive practice totally ruined my trust with Chase. I understand and agree that bank is doing business for profit, but stealing money from its customer is by no means acceptable. I do not want to say this, but the resolution of this issue would help me to decide whether to move all my money into or out of Chase. | ||||||
| 07/11/2023 | Yes |
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| I am a victim of the Texas DPS drivers license fraud that happened earlier this year which I have provided a link here XXXX XXXX XXXXXXXX Essentially, my drivers license was sent out to a " crime organization '' by the DPS so they managed to use my DL to open fraudulent accounts with various banks and deposit/withdraw money from Chase. On XX/XX/XXXX I first noticed suspicious activity in my Chase Checking account. There were several deposits and a withdrawal that I did not make so I immediately contacted Chase Fraud line to submit a claim and freeze the account. I then went into a branch the next day and XXXX XXXX helped me close the compromised account and create a new checking account to transfer all my funds over. Over the next few days there were several more deposits and withdrawals that carried over to my new account. I also submitted a police report on XX/XX/XXXX as per instructed by my credit monitoring service but an officer has never reached out to me despite me calling over 5 times. I even called today XX/XX/XXXX and the rep told me that he is unable to provide a timeline on when an officer will be assigned to my case and that all he can do is send an email to his sergeant. Fast forward a few weeks and after all the adjustments were made by the Fraud team, my checking account is still missing {$280.00} ( see below for a complete breakdown ). Checking account balance before fraudulent activity : {$1400.00} on XX/XX/XXXX Fraudulent deposits : XXXX : {$1800.00} XXXX : {$520.00} XXXX : {$820.00} ( returned on XXXX ) XXXX : {$720.00} ( returned on XXXX ) Fraudulent withdrawal : XXXX : {$1300.00} ( returned on XXXX ) Claims withdrawals : XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$920.00} Checking account balance AFTER adjustments : {$1100.00} on XX/XX/XXXX ( not including XXXX transfer {$13.00} on XX/XX/XXXX ) Missing funds : {$280.00}. I made multiple phone calls to XXXX every week since XXXX and even started going into the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX for several XXXX in a row during my days off to speak with XXXX XXXX XXXX XXXX XXXX ) to maintain consistency and carryover. Every time I called Chase claims department the representatives were hard to understand and seemed to disregard the importance of my case. On XX/XX/XXXX I submitted my supporting documents to XXXX as she was instructed by the claims department which included the DPS letter stating that my drivers license was sent out fraudulently, my FTC report, and my police report case # ( keep in mind an officer has still not contacted me yet ). Fast forward again several weeks without any resolution XXXX reached out to the escalation team to handle the case going forward. On XX/XX/XXXX I was contacted by XXXX from the escalation team asking about my case history then she submitted a request and informed that she would follow up in a few days. After several more weeks and more voicemails, XXXX finally reached back out to me on XX/XX/XXXX and stated that the claims department has come to the conclusion that the check maker has filed a dispute against the fraudulent checks that were deposited and that they can do nothing for my case. I explained that my frustrations with the entire process and asked for her to escalate it up the chain of command and she states she is unable to because she is the highest chain of command in the corporate office. XXXX placed me on a hold to get the claims department to elaborate on their decision making process and says she can not do anything about it because that is " just the repercussions of identity theft. '' She said that she is unable to override the claims department decision. She suggested that I reach out to the XXXX office as the last option for any chance. I asked her to transfer me to claims so I can speak to them myself. Upon being transferred to the claims department and being transferred several times to the supervisor named XXXX told me that my claim was in fact still open and that they are still working on the case. XXXX told me that it may take up to 120 days for a resolution which is contradictory to what the XXXX rep had told me. Now that it's been over 120 days, I gave the Claims department a call again today XX/XX/XXXX and the rep I spoke to named XXXX told me that my claim has been denied because the team deemed it as not being fraud. I have been with Chase for over 20 years and I am frustrated, I am upset, and I feel betrayed. I feel like no one is taking my issues seriously and that my voice is not important. This is clearly been stressing me out since I found out my identity was compromised in XX/XX/XXXX. Having to deal with other issuing banks to clear my name has been a nightmare all in itself but this matter has been the most frustrating because of how this process has XXXX handled. I have documented every detail since it all happened in XXXX. I just want my matter to be resolved. | ||||||
| 11/08/2023 | Yes |
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| Chase Bank credited my account for the three transactions total but removed it after 'research ' shows that I 'could have ' made these transactions. I am writing to submit my evidence that I did not make the three XXXX transactions on XX/XX/2023, to XXXX XXXX. The Chase Fraud Department determined that I could have made these XXXX transactions. I am attaching evidence I did not make the following XXXX transactions. Transaction number XXXX Time : XXXXXXXX XXXX Amount : {$1400.00} Transaction number XXXX Time : XXXX XXXX Amount : {$1500.00} Transaction number XXXX Time : XXXX EST Amount : {$2000.00} Evidence XXXX The recipient XXXX XXXX is an unknown person to XXXX XXXX He is not on the XXXX recipient list on my Chase account. I was not sent an email or text to confirm I was adding a new XXXX recipient. If I had deleted him from the recipient list on the Chase website, Chase software should be able to determine when he was added and when he was deleted. On XX/XX/XXXX I was in the Chase XXXX branch meeting with XXXX, the Chase customer service representative and she confirmed he was not a contact on my phone. Evidence XXXX When these transactions were being made, I was driving on the freeway. The XXXX Department representative told the Chase customer service representative that XXXX XXXX and are on their phone all the time. Very true but I have evidence from my XXXX XXXX XXXX that monitors my driving habits that I was not on the phone at the time of the transactions being initiated. I have a screenshot of the XX/XX/2023 trip starting at XXXX ( XXXX XXXX ) and ending at XXXX ( XXXX XXXX ) which was the time the transactions were taking place. The tracker shows I was not on the phone. Also I have a screenshot of my drive to the office on XX/XX/2023 where I logged into the Chase app on my phone while driving at XXXX and the app shows phone use. ( see attached XXXX photos ) Evidence XXXX This whole situation came to light when there was an attempt to wire {$19000.00}, which was most of the balance of our checking account ending in XXXX to a person I do not know named XXXX XXXX. This transaction was rejected because of a phone call made to me by a Chase representative at XXXX ( XXXX XXXX ). I told the Rep, he had my cell number and was speaking to me on the phone he called, which is my cell number. The Chase Rep asked me to call the number on the back of my debit card to speak with Chase regarding a transaction he needed to verify. I called Chase back, waited on hold for 17 minutes and ended up speaking with a Fraud Department rep later that evening. I do not know XXXX XXXX and did not initiate the wire transfer to her for that amount. Chase did not authorize the wire transfer. When speaking with the Chase Fraud Department Rep, in the late evening of October 17th she had me get another email account only to be used for banking at Chase, we established a verbal security code, XXXX security questions and a new login Username and password. After obtaining a new email address, I went back to the Chase website to update my email address, I then noticed the XXXX unauthorized XXXX transactions in another XXXX of my checking accounts. The timing of these transactions is suspicious. XXXX XXXX transactions XXXX after another to a person unknown to me or my family and a large wire transfer attempt a few minutes later. I called Chase back again on XX/XX/XXXX ( XXXX XXXX ) because the Chase XXXX Department did not open until XXXX XXXX and notified them of the XXXX unauthorized XXXX XXXX. The XXXX then deactivated the XXXX ability on my account. Evidence XXXX I started monitoring my Chase account multiple times a day. I noticed the XXXX was active again on my account and that a new recipient XXXX XXXX was added and an attempt to XXXX XXXX was rejected. I did not activate XXXX, add any new recipients and this person XXXX XXXX is unknown to me. I then went into the bank on XX/XX/2023, after receiving a letter stating that after research, Chase could not determine I didnt make these transactions. XXXX at the XXXX branch verified on my phone that XXXX XXXX, XXXX XXXX, and XXXX XXXX are not contacts on my phone. Since I have a new login Username and password, I do not know how this person was able to access my account, activate XXXX and initiate the XXXX transaction to XXXX XXXX. Evidence XXXX In addition on XXXX XXXX, the thieves stole XXXX of my XXXX XXXX Rewards points and bought XXXX {$200.00} XXXX gift cards. I have the Chase credit card to purchase XXXX XXXX tickets with my reward points and nothing else. If Chase looks into my history, they will see only transfers to my XXXX XXXX XXXX frequent flier account. I am a victim of fraud and do not recognize, authorize or initiate any of these transactions. Please reconsider your determination and credit my checking account back for the XXXX unauthorized XXXX transactions totaling {$4900.00}. | ||||||
| 03/07/2022 | Yes |
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| We awakened to alerts on our CHASE Freedom Card on the Morning of XX/XX/2022 due to purchases outside our normal spending habits. Most of that day was spent " on hold '' during calls to various Customer Services Representatives at CHASE, XXXX and XXXX ; organizations who were the source of the unauthorized charges against our Chase Freedom Credit and Debit cards. As a result, we filed reports with the XXXX XXXX Sherriff 's Department, the FBI Cyber Crimes IC3 portal, the FTC intake site for Cyber Fraud, Elder Fraud, and Financial Institution Fraud. As a result of that activity we are also reporting the following activity to the CFPB : XX/XX/2022 : Possible fraud alert from Chase Bank on Debit Card ... XXXX totaling {$3500.00} *All orders from XXXX XXXX made online/ mostly XXXX and children 's XXXX disposable diapers and wipes *Contacted Chase Fraud / filed fraud claim/ deactivated Card ... XXXX and replaced with ... XXXX new card sent /funds reversed into account pending investigation XX/XX/2022 : Checked Chase Freedom Credit card ... XXXX account / found 13 fraudulent charges totaling $ XXXX again from XXXX XXXX made online *Contacted Chase Freedom Credit Card/ filed claim/deactivated card ... XXXX and replaced with card ... XXXX new card sent/ funds reversed pending investigation XX/XX/2022 : Contacted XXXX regarding the {$6100.00} total fraudulent XXXX XXXX charges made to the 2 aforementioned cards NOTE : XXXX promised to cancel the orders and look into the account problem XX/XX/2022 : A fraudulent application was made to Chase Card Services in my name for an AMAZON.COM Visa Signature card/ card was denied based on insufficient balance in deposits/ letter regarding the application arrived in the mail XXXX XXXX reported to Chase Card division as fraudulent application/ investigation promised. We also accomplished the following additional recommended actions : *Changed all passwords *Placed 2-step verification on all purchases and sign ins *Enrolled in Identity Guard company to monitor all financial and personal information *Locked all credit and debit cards ( 3 total ) *Contacted Credit Unions for freeze and fraud alerts *Canceled Amazon account, as well as all associated XXXX products XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) *Removed all cards from all digital wallets Meanwhile, received partial credits and reversals from XXXX and Chase Bank XX/XX/2022 : Received alert from XXXX ... XXXX of attempted charge for $ XXXX denied/reported/new card sent XX/XX/2022 : No alert from Chase Freedom ; however, 9 charges from XXXX were present on Card ... XXXX ( which we had not even received in the mail yet ) totaling {$860.00} obviously same as attempted on XXXX ... XXXX, but went through on Chase Freedom /reported /reversed Meanwhile, charges in many amounts were being reversed and replaced from between XXXX and Chase from the initial fraudulent transactions XX/XX/XXXX : No alerts from Chase Bank or Chase Freedom Card ; however, in checking my accounts, I discovered that a NEW charge from XXXX XXXX of {$2600.00} had posted to the NEW Chase Freedom credit card ... XXXX Also XXXX fraudulent charges for {$2900.00} were posted on XX/XX/XXXX and deducted from our checking account using the FIRST debit card ... XXXX ( canceled on XX/XX/XXXX ) *Both reported to Chase Freedom and Chase Bank respectively/ cards canceled /new cards sent again. *As of this time, charges of {$2.00}, XXXX had been reversed and refunded to bank account/ the disputed {$2600.00} charge on Chase Freedom remained on account card... XXXX. On Saturday, XX/XX/XXXX, The USPS delivered a form letter from the Claims Department at Chase Bank that said Chase changed their minds and would remove {$2900.00} from our Chase account on XX/XX/2022. At about XXXX Eastern that night ( XX/XX/2022 ) contact was finally established with a Chase representative. We were told that the customer service group " did not talk '' to the claims department and that no information about how to contact the Claims department was available ; however the Customer Service representative did arrange a conference with the Claims Department of Chase in XXXX XXXX for XXXX Eastern, Monday, XX/XX/2022. On Monday, XX/XX/2022 we awoke to an alert by XXXX that Chase had indeed deducted the {$2900.00} from our account around midnight. This was, of course, before we ever had a chance to talk to a bank we have used for 50 years. I went to the Chase Branch Bank in XXXX XXXX, FL and delivered 23 pages of items of proof and complaint filings with local law enforcement, the FBI, and the FTC to be faxed to Chase Claims Department in XXXX XXXX. Those items clearly illustrate that we did not make nor authorize the purchases, and that the disputed sum was processed by Chase without regard to the evidence they previously agreed to which demonstrated we had no control over the charges. Chase failed to uphold their agreement to meet. | ||||||
| 09/29/2022 | Yes |
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| On XX/XX/XXXX, I was informed by a banker ( I assume ) of Chase Bank that my account will be suspended for suspicious activity since apparently someone other than me tried to access my account. On XX/XX/XXXX, I tried to communicate with Chase Support online via XXXX, to ask what should I do to access my account and was informed then that I should call to Chase Customer Service to the extension XXXX and since I was in XXXX, my home country, I couldn't make an international call to the US by that moment and they transferred me to an specialist, who told me that my account was placed on hold due to compliance matter and that my request could not be solved via social media and only by call to the extension XXXX. On XX/XX/XXXX, I got to communicate with Chase Bank through a video call on XXXX at the number XXXX and explained the situation about my account being on hold, and they said that there was nothing to do by phone and that the problem could be solved whenever I got the chance to stop by at any Chase Bank location in the US. Due to COVID-19 pandemic, I wasn't able to travel to the US to properly solve this matter until the present year, the XXXX of XXXX I arrived to XXXX and the very next day, XX/XX/XXXX I went to a Chase Bank in XXXX and explained, once again, the issue I was having with my account. By then I was told by XXXX. XXXX XXXX that my account was not on hold but blocked by OFAC 's order because I used to work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is insane because this would be the third excuse I've been told, being the first one that someone tried to access to my account and that it would be put on hold for my own security, second one was that the problem couldn't be fixed through social media nor phone call and the third one that I was sanctioned by the OFAC. I encourage you to search for my name on the OFAC blocked list of persons and you'll see that I am not sanctioned not now and never have been and in fact there is an Executive Order # XXXX of date XX/XX/XXXX referred to the blocking property of the government of XXXX which is the general license No. XXXX related to XXXX persons authorized by the own OFAC to perform transactions, which includes me as an individual who has a valid U.S nonimmigrant visa at this time as said in the Executive Order on paragraph A ( 3 ) and even on paragraph ( C ) says that the return or processing funds are authorized. On XX/XX/XXXX I received a phone call by XXXX. XXXX ( banker in XXXX ) and she asked me if I had a document to demonstrate that I no longer have a relationship in any way, shape or form with XXXX XXXX ( XXXX XXXX XXXXXXXX ) and I sent her via email the retirement document from the company on XX/XX/XXXX. On XX/XX/XXXX, I went to the Chase Bank location so they could have a copy of my passport and was told that she was going to send an email to the OFAC with all of that information. Because I didn't received no updates on my cases, I kept calling to Customer Service innumerable amount of times they got me in contact with XXXX, on Fraud Department, who asked me to, one more time, tell her what was going on since day 1, I told her everything, and she told me that she was also going to send and email to the OFAC and that I should give her a call in 48 hours. After that I kept calling in vain because no one gets to give me a clear answer on how to solve this problem to get my money back. I decided to go to Chase Bank by myself, in XXXX. GA, located in XXXX XXXX to see what solution could they offer me and met with XXXX. XXXX XXXX, and in that opportunity she sent an email to the OFAC and that she would me a call back after three days. Since I didn't received a call back, I went to the same Chase Bank location, this time with my daughter and got to talk again with XXXX XXXX XXXX, who made some calls to obtain knowledge about what's going on with the case and also didn't get an accurate response, she also told me that since covid there is absolutely no way on earth to get in contact with the branch unless it is via email, to which of course, as a regular user I have no access to. On XX/XX/XXXX got a mail communication from XXXX XXXX Complaint Escalation Group, specifically from XXXX XXXX XXXX XXXX, saying that my case number XXXX would be disesteem since they couldn't get in communication with me and that if I still wanted to reach them out I should call them to XXXX ext XXXX but they send me straight to voicemail and never give me a call back. It has passed 2 months since I turned in the documentation required for them, and 2 years since the very beginning of this problem and they have not showed a real intention to solve this matter and give me my money back since is why I've decided to contact the Bureau because I suspect they want to keep my money at all costs and I am a hundred percent sure that this is not a fair treat for me as a consumer and overall, illegal. | ||||||
| 07/06/2020 | Yes |
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| I am a XXXX XXXX XXXX in XXXX XXXX, CA. When I was fortunate enough to receive a PPP Loan from the SBA to save my business, I opened a new business account to get myself back on track. I opened that account at Chase. My wife opened her account with chase when we first moved to XXXX in XXXX of 2019, and we were forming a relationship with the worker there named XXXX. We wanted to be sure we built a relationship with our bank representative as we have had issues in the past where not having a relationship with at least a teller, doesn't work well when running XXXX Owned Businesses as we know there will be nobody there to vouch for us as good business people which banks never view us as such, even though we have run a successful business for eight years. Once the business account was opened, we used the account, were making money again, and felt like we were creating a strong foundation. We received a late stimulus check from the government, and it had both my, and my wife 's name on it and we did not yet have a joint account. We took that stimulus check, and some checks from our other account to open our new joint account, and then also opened a savings account as business had been going well, and I liked the idea of trying harder to properly build my business which will lead to wealth for my family. As XXXX took my checks to deposit them to the new account, I was notified that the funds would be on hold for 7 or so business days. Which was ridiculous because I knew that the funds would be pulled from my other bank that day, so a two week hold seemed to be sprung upon me for random selecting which they claim had nothing to do with my being XXXX, which I mentioned to XXXX, which he said had no bearing. Yet I made it certain that even if it were a computer randomly assigning, that very assigning of their algorithm is the very thing that Chase is accused of, and found guilty of time and again. I just for sure felt that this time the perceived Neighborhood Bank would stand with its XXXX Clients, and offer assistance or some sort of suggestion before assuming the absolute worst of me, and making it very clear that I was not wanted by their bank. I opened two accounts that day, and two weeks later received a letter saying that they have now reviewed my credit report ( DURING A PANDEMIC ) and decided to close my account with little to no explanation, and now place my funds in our joint name, which was the sole reason as to why I needed a new account as me and my wife hadn't operated a joint bank account yet. Now they are writing the check to our joint name, payable whenever they get around to it, and to an entity that no longer exists due to Chase bank closing my account that held that name. The check was written for XXXX and XXXX from my personal account, and that is going to tie up my funds. If my bank won't allow me to bank, I am sure I will have an issue going other places, and this is what the system does to minorities and minority owned businesses all of the time. This is beyond frustrating that in my time of needing help, and so many companies pledging their efforts to reversing the 400+ years of pushing my people from the top opportunities and just leaving us to rot, which is what they're doing to us right now. We have {$15000.00} just floating somewhere. Currently our business operates from Chase as well, and I can expect a closure of that account, especially after calling them out for their treatment of me. They don't even have to explain why the funds that we have worked so hard for are no good for their oh so prestigious bank. I have definitely had some issues in my past, but never anything illegal. I have had late payments, and work has not always been steady. But to take my money, that me, my XXXX wife, and XXXX young boys ( XXXX, and XXXX ) came down and thought would be safe, during a worldwide pandemic, where the world is so undetermined, and XXXX people are being told there is help only to find out there is not. I don't need any special hand holding, or scolding, or the same old treatment that we all have gotten so used to. I need a banking institution that doesn't always assume I'm up to something fishy, but that I'm trying to survive without thinking that somehow after we have agreed to continue a good business relationship, that Chase can no longer uphold their end and write my funds away to something that no longer exists because I am not good enough to bank with them. As much as things change, they always stay the same. We worked so hard to get ourselves out of the ditch we had been in, only to be told that no, our money isn't good enough, and we would rather send it back then see how I could possibly be given a two minute call that could have changed my world completely. It is often reminded to us that we need not even try ... so why do so much work to try and beat a stigma that MY CURRENT bank doesn't want me to break. | ||||||
| 01/30/2019 | Yes |
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| My XXXX account was hacked during XXXX XXXX. I did not notice it until I received a XXXX XXXX on Monday XX/XX/XXXX, which was not ordered by me. Someone used my Chase credit card saved on XXXX account to make the order. I had reported this unauthorized transaction to both Chase and XXXX right after I found it out in the morning of XX/XX/XXXX. But so far, it is not solved and Chase decided that I should be responsible for the {$970.00} ( {$900.00} for the computer, {$69.00} for shipping ) billed by XX/XX/XXXX. During my first conversations with Chase on XXXX on XX/XX/XXXX, XXXX told me that since the item was sold by a third party seller using their platform, they are not responsible for return. XXXX suggest that I consult Chase for further action. Chase replaced my credit card and also told me that I should not be responsible for the {$970.00}. In the package I received, there was no shipping receipt. There is only the shipper 's information on the outside of the box, which is a private person 's last name, first name initial, address and a phone number. I called the number, nobody answered. So I have to wait for Chase for further instructions. However, on XX/XX/XXXX, Chase rebilled me and claimed that ( 1 ) XXXX provided them the correct mailing address and email address of mine ( 2 ) I have the benefit of the transaction, which means the laptop is in my hand. I am shocked by Chase 's ridiculous solution and reasoning. ( 1 ) Of course, XXXX is able to provide my correct information because I have XXXX account and made purchases previously. ( 2 ) And the reason that the computer is still in my hand, is because I am waiting for either chase or walmart.com to help me find out how to return the item and resolve this unauthorized transaction issue. I still kept the XXXX XXXX sealed its original package in a corner of my living room. In addition, I am not benefited at all. I have already four computers at home ( two desktops and two laptops ). I do not need any other computer. Not to mention that the XXXX XXXX shipped to me is a 2-yr-old model. The seller not only charged for a price more than its current value, he/she also charged an absurdly high shipping price. How can I benefited from this useless stuff that was not ordered by me? I made a phone call with both Chase and XXXX again on XX/XX/XXXX, 29. There is no progress at all. ( 1 ) XXXX informed me that from their end, the case is closed. It was not them who rebilled me. ( 2 ) Chase disputing department said I have to provide documentation to prove that I did not made the order. But how? How should I prove that it was not me who went to XXXX to make the order? I have already provided everything I know to them. Based on XXXX 's information, the order was placed on XX/XX/XXXX and shipped out by overnight XXXX. I anyway had no time to prevent from receiving it. Also I live in a high rise apartment, we have management office to take care of receiving packages so I did not have a chance to refuse accept of the item. However, I did inform both XXXX and Chase in the earliest chance I can of this unauthorized transaction. I think XXXX should have the resort to provide the IP of the fraudulent buyer. It is Chase 's job to work with XXXX on this. ( 3 ) Chase disputing department also said that as long as the address and card number are correct, there is not necessary to verify the three digits secure code on the back of a credit card for Chase to approve a transaction. ( What!? I AM SO SURPRISED BY THIS NEWS ). So when a card holder is hacked, Chase is not responsible for their loose security policy. Not to mention this card has {$90.00} annual fee but there is no security guarantee at all. On XX/XX/XXXX, Chase ( XXXX ext XXXX ) set up a three-party phone conference with me and XXXX customer service person. XXXX person tried to call the third party seller during the conference, but could not get through. This XXXX person said it gave him an impression that the phone number is not a real business number and there must be something wrong. But this person refused to provide any further information of the third party seller to either me or Chase unless police is involved. That is, XXXX asked me to call police. Even in this situation, Chase still made no comments but only said that they will continue to investigate. I called my local police office ( I can provide the phone number ) after the conference call. Officer ( I can provide his name ) helped me filed the report. However, the officer said police has no procedure to contact either chase or XXXX concerning this case. It should be Chase, the bank, to do the investigation. I passed over the information of police report to Chase. However, after I have done everything they asked me to do, until today ( XX/XX/XXXX ), when I called Chase at ( XXXX ext XXXX ), it made no progress. The amount of money is still on my account. | ||||||
| 08/19/2022 | Yes |
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| XXXX XX/XX/2022. I attempted to book flight travel arrangements through Chase Bank 's Sapphire Preferred Ultimate Rewards Program, via their website. 3 adults. 1 child ( under XXXX years of age ). Website halted progress because my child is under the age of XXXX. Directed me to call their Ultimate Rewards directly, which I did. I spoke with an Ultimate Rewards agent, on a recorded line, to complete and finalize the original flight travel arrangements. I politely requested, multiple times, that I wanted to purchase 4 x standard economy tickets. NOT basic economy. Standard economy includes checked bags, round trip. Basic does not. Their Ultimate Rewards website had a green checkmark to indicate checked bag included, with Standard Economy, which I brought up to the agent to confirm what I wanted. Basic economy presents a dollar sign, indicating you ( passenger ) must pay the cost. I was assured this was the situation and 4 x standard economy tickets were purchased. I received an email, which confirmed the passengers, but did not indicate which economy ticket was purchased. I called back a few days later and spoke with another agent, on a recorded line, to put my concerns and curiosities to rest. I was assured by this agent that he could " determine '' it was standard economy. Seats needed to be purchased, which I was accepting of. I spoke with XXXX XXXX to confirm flight details, once again, AND this is when and where I learned that the Chase Ultimate Rewards agent had NOT purchased 4 x standard economy tickets. This was on the XXXX XXXX XXXX. Instead, I was misled and misinformed twice, by Chase Bank 's Ultimate Rewards Team. It was 4 x basic economy tickets that were purchased, which can not be cancelled, refunded, or changed. I made sure I was understanding the XXXX XXXX agent completely, via twitter, by asking all the necessary clarifying questions. He confirmed there was no error on their end. I needed to speak to Chase. I reached out to Chase Bank Ultimate Rewards early XXXX ( XXXX - XXXX ) to help clarify and rectify the situation. I was transferred to a supervisor. This supervisor attempted to reach out to XXXX XXXX to see what accommodations and changes could be made to compensate the misled and misinformed situation. This call was also on a recorded line and lasted about 1 hour 30 minutes after all the holds. This is when I was informed that my basic ticket could not be changed, cancelled, or refunded. The ONLY compensation I was offered was XXXX one-time courtesy points, BUT the supervisor must review the nature of the call and it could take 3 - 5 business days to provide the points. We received the points in 1 - 2 business days. I then calculated that XXXX one-time courtesy points is roughly $ XXXX. This is enough to get 1 bag to our international destination, but not back. This particular international flight 's cost for checked bags is $ 75/one-way or $ XXXXround trip ( RT ). With 4 passengers, I could be looking at {$600.00} in checked bag fees.. XXXX XX/XX/2022. I called back to explain the situation after I realized how the one-time courtesy did not equate to much of a compensation. I was escalated, based on my request, and spoke to another Ultimate Rewards Supervisor and was told because I accepted the XXXX courtesy-points nothing else could be done. Once you acept this offer all other compensation options are off the table. There WAS NEVER a statement of this nature presented to me, on recording, from the early XXXX supervisor conversation. I was NEVER presented or made aware of an alternate option. The supervisor from today 's call ( XXXX XXXX XXXX ), informed me that they actually HAVE the power to override a non-cancellable, non-refundable, basic economy ticket and repurchase the correct one, if there was an error on their end. This option was ONLY presented today. This is the 3rd misled/misinformed conversation I've had with Chase. They've done nothing substantial to assist in resolving my matter, beyond apologizing for a mistake that could potentially cost my family {$600.00} in RT bag fees. Before the $ XXXX {$90.00} one-time courtesy. She apologized and stated once again I should have been presented with options, but because I was not and accepted the XXXX courtesy points, nothing can be undone or reversed. She explained there's no one higher to speak to and everything that could be done has been done. I even explained that I do not want a refund of tickets. I don't want to cancel anything. My goal is to NOT check any bags, based on current bag related flight issues. All I requested, on the call, was to be compensated IF there are any bags that are checked and it costs me money. I was told this COULD not be done. There can't be a refund or statement credit granted. I've basically been informed, yes, we admit, we misled/misinformed you 3 times, but you must carry the financial checked bag burden. | ||||||
| 08/17/2023 | Yes |
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| I had a business account with chase. I actually finally received my personal tax that go back a while that my accountant do for me and I XXXX and Im actually good at it and win big at the casinos. Which I have to also file on taxes. On XX/XX/2023 I received a check from the department of treasury in the amount of {$84000.00}. I went to the Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXI deposited it in my business account any money I win or get back from loans and grants I put back into my businesses. The young lady told me because of the amount that it will be on hold for up to 7 days I said ok thats fine. XX/XX/XXXX I cleared and was available so I went to bank to withdraw funds I wanted to do cashiers check for {$9000.00} through the drive thru. I forgot to write on the withdrawal slip who I was making it out to which was a contractor who had done some work at my place of business. The teller told me for the amount she needed XXXX forms if Id. I thought it was weird because Ive never had to do that at any of my other banks to get a cashiers check. So a few woman came up to the window and XXXX said hey we have to review the account so I said Im sorry why is that she said to see where you get money from. I forgot to mention I have money going into my account weekly. I said well maam this should have been done within those 7 days you guys cleared everything today she said we just need to call and verify it you can come wait in the lobby or circle back around because you cant wait here its going to take about XXXX minutes so I went in the lobby. Another young lady come back and said well its been a lot of fraudulent activities going on with people getting money back that they are not entitled to im like excuse me well ok but thats not the case here she said you cant get anything out of account right now there is a restriction on your accounts until we speak to someone from the treasury to verify that youre entitled to those funds or if you have your tax forms you can bring in and show so I said yes Ill go get them. I felt like I was being racially profiled. Yes I am a XXXX XXXX XXXX XXXX. I went and got all my documents and came back. The same young lady was like oh your back as if she was surprised so I had to wait in lobby for a while and another woman came out the same young lady said oh shes the one and then whispered the rest to her so she looked at me and walked off. She came back and said XXXX will be the one talk to you but she said give her sometime I said ok and waited longer. When she finally came she skimmed through my documents and said you dont have a 1099 form I said well she wasnt specific about what tax documents I needed she just said tax forms that show Im entitled to that amount so I just got tax transcripts full package of tax return 1040 everything except 1099 I said I can go back and print that out also she said no need she left out of the room and said she was going to upload documents. She came back and said chase reached a final decision they are closing your account within 10 days I said what she said usually they let us upload documents before they make a decision but its not even letting me do it and to be honest we never get people that get back tax returns this big at all. I said are you serious not even knowing all the facts why I have this amount when its saying in all my documents I have brought in. I said was this decision made before I even walked out the door earlier to go get my documents? She said I dont know but thats what its says i said so what are you guys going to to with my money she said once we verify the funds we will send you a cashiers check for the remaining balance that your entitled to I said well if thats the case you can give me a cashiers check now for my money she ignored that and went on saying direct deposit wont go through or auto pays like XXXX you know things like that well I dont even have time to watch tv so I dont even have XXXX I mean these comments were just insane and insulting so I took that as if they feel like they can tell me what Im entitled to instead of looking at evidence of what Im legally entitled to. If its a problem you can send my check back to irs Im fine with that because I know they are going to send it right back out to me she said well like I stated we will send you a cashiers check with a smirk you will have to bank some where else I said ok thats fine as long as its for all of my money I have never been so upset confused humiliated insulted and treated like this by a company before in my whole life. I understand companies have protocols they have to follow but this was not them following protocol at all not even excepting or looking at documents they ask me to bring back before a decision was made. Every XXXX person is not a criminal or participate in fraudulent activities and thats how I was treated at their establishment. | ||||||
| 12/11/2023 | Yes |
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| Good day, Unfortunately we had an unexpected death in our family and had to travel for the funeral, being that my family member had no life insurance my mother had to come up with the unexpected expenses for the funeral as a way of trying to aide her and take a bit of the burden off her my sister and I came up with an idea of both booking hotel rooms where we each would accommodate her for 2 nights each. I was traveling from the XXXX to the XXXX of XXXX of XXXX so I booked a room at the XXXX XXXX hotel in runaway through XXXX for 2 persons from the XXXX the XXXX then I changed the number of occupancy and booked another room from the XXXX which is when my mother would have been joining me in my room but right after I completed the booking and received the itinerary I noticed it said 2 adults. I immediately contacted XXXX line and the rep told me that she wasn't able to correct it but she would request the change through upper management. I then a few days later received an email from XXXX claiming that they request a refund for me but was unsuccessful, I responded to them that I was not requesting a refund as I do need the place to stay all I needed was for them to modify the reservation and put the correct amount of occupant. XXXX responded by stating that they already responded to my request and eventhough I tried getting through to them that what they were trying to do was not what I requested they just basically blew me off. After multiple phone calls as my trip was coming close I tried reaching out to the hotel via email but received no response I again contacted XXXX and all I was suggested to do was to wait until I got there to see what the hotel would have done for me. I then reached out to chase to inform them of the situation and to see what my options were at that point and the rep told me that unfortunately there was nothing they could do since the charges was still pending i had to wait until the item was posted and so I had no choice but keep trying to get the situation sorted out before I traveled but I had no luck, my last resort was to see my option at checkin. Upon my check-in for the first reservation which was the XXXX I informed guest services of the issues I faced with the upcoming reservation I had from the XXXX and they got me connected to customer service that informed me that unfortunately they do not make changes at customers request if the reservation was made by a third party apparently only the 3rd party can make the changes. I informed them of the issues I faced with the 3rd party including them claiming on multiple occasions that they were unable to reach the hotel. The reservation agent claim that my only option would have been to booked a reservation for my mom but I would have to pay walkin prices, they even claim that if they were able to add her at that point it would have been walkin price and the walkin price was so high it would have been the same amount as booking my mom her own room which was money I did not have hence why I opted into putting her in my room to begin with. I did not have the money they wanted me to pay so I had to check out of the hotel on the XXXX when my first reservation ended and got a cheap airb and b to accommodate my mom. I have expressed and explained this situation to both XXXX and chase but they have been so unsympathetic that they have not tried to assist me in anyway. I really do not have {$350.00} to throw away because had I had it I would have gladly paid for a room for my mother and I would not have to be going through this. When I selected the room I was booing I put XXXX adults in the search bar and continued from there the room I selected claimed it came with a king size bed and a twin bed I believe and it sleeps up to 4 people. Knowing that the bed layout fit the purpose I needed I continued the booking only for the itinerary to say something completely different. Apparently this is something that XXXX has been doing on their website the number of persons you placed in the search bar for occupancy is not what they complete your booking with and then they do nothing to help you. To my understanding when I was booking their nonrefundable policy is based on the hotels non refundable policy they even advise that you check out the hotels policy prior to booking and I did and according to XXXX XXXX they allow you 78 hrs to make changes to your reservation yet I contacted XXXX within the min of getting my itinerary after booking but they did nothing to help me. I am asking you to please help me because XXXX knows I can not afford to loose {$350.00} especially with all the bills I have and my husband currently out of a job. I have tried everything possible to make them see reasons but they are just cold and have zero customer service and no empathy at all. I am hoping you will be able to assist me in resolving this issue. Sincerely XXXX XXXX | ||||||
| 12/18/2019 | Yes |
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| I deposited a client check into my checking account. It was on hold over the weekend as expected, however, the check was put on an extended 11 day hold due to the fact that it was written to my business name and not to my personal name. There were overdraft fees assessed to my account. Chase Bank customer service informed me that the account did not reference my business name and this was the problem. Despite the fact that this account has been my primary business account since XX/XX/2015 used to deposit checks written to my company name for 4 years now. The referred me to the deposit verification department and informed me of a 15 minute hold. The hold was 35 minutes, I was speaking with a specialist named XXXX and we had almost resolved the problem. He was reviewing the previous deposits that had been made where the checks were written to the company. We had found several spanning a period of four years, the call was disconnected, they did not call me back. I called back again and spoke with someone who was going to transfer me to the deposit verification department, after I'd been on this call for 40 minutes, I put the call on hold and called back again and merged the calls together. The person who answered the 2nd call was able to get me through to someone rather quickly. Understand that if the call drops, you will not get a call back, they will not try to get you to the same person, they are strictly inbound calls. I had to start over each time I called. Once I was with the deposit verification department for the 3rd time, I was told that I should not deposit business checks into my personal account. I explained my personal accounts are at another bank, I opened this account with my business license and federal ID number. He verified that I've been depositing checks written to my business since XX/XX/2015 as well as the electronic transfers from the booking sites that occur with regularity. He asked me to take my business registration documents to the bank (locally) and once that was done the check would be released. It seemed ridiculous to me that I would have to drive to the bank after 3 plus hours on the phone so I asked for a supervisor so we could verify the ownership of the business using technological resources such as fax, email, check the "secure messages" as I'd sent this document as an attachment in messages, or maybe verify with the division of corporations. The supervisor refused to accept fax or email or to verify with the division of corporations online. Her "internal verification system" did not show my company registered, I'm not sure if there really was an internal verification system for business licenses and federal id numbers. I had to bring the document to the bank per the supervisors instructions. I went to the bank and I was first told that I didn't have an account. Actually, the computer screen was spun around so he could show me that I don't have an account. I had to explain the problem a minimum of three times, he did not seem to be paying attention. The only "banker" at Chase today told me there is no way that the check would be released because the he ("the banker") would personally be on the line for the check. He explained that the person who I spoke with in the deposit verification department did not know what they were talking about and he could not help me. He refused to comment after I asked three separate times, how can I do business with your organization when your corporate office says one thing and you won't honor it or even call to verify? I'd brought the registration with the State of Florida Division of Corporations. I did exactly what was asked of me after over three hours on the phone because they don't have the common courtesy to call you back of they accidentally hang up on you. 3 plus hours of trying to resolve a problem that never should have been a problem or Chase bank is so on top of things that it took them 4 years to realize that I cash the business checks and receive transfers in my businesses name in this account. I'm sure I was angry and I'm sure I raised my voice in the course of conversation. I was asked to leave by the banker or he would call the police. Now, that's customer service for you! When I returned home, I called the deposit verification department for the 4th time. Finally an employee who seemed genuinely sorry for what I'd been through at no fault of my own. She promptly released the hold after simply typing in XXXX into her browser to look up the business license. She advised me that since my account was not set up as a business account originally, I should open a new account. If she were the only one who worked at Chase, I would open it there. After three hours and no less than ten separate conversations with ten different employees I was still being treated like a criminal instead of a 5 year client. | ||||||
| 09/12/2021 | Yes |
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| On XX/XX/XXXX, I received an email from Chase regarding to a cancelation of a wire transfer from by checking account due to unusual activity. I signed in to my online banking and found out there were 3 transactions already happened on XX/XX/XXXX. The first transaction is {$22000.00}. The second is {$24000.00} and the third one is {$18000.00}. They were all wire transferred to 2 different persons. The bank canceled the last transaction of {$22000.00}. I contacted customer service and they closed all my accounts and advised me to go to the bank to open new accounts. I went to the bank right away. When the banker called the fraud hotline, I found out these transactions were not reported as fraudulent. After spending over an hour at the bank, they told me to go home to reset my email password and scan my computer and my phone then come back to the bank. I did all that, came back to the bank about 2 hours later and spend another 2 hours at the bank. They transferred the banker to different departments and finally ended up with the Identity Theft hotline. They finally set up my new online banking account. I was told to go home and wait for some paperwork will be mailed to me to sign and return to them. I waited until XX/XX/XXXX with nothing mailed to me. I called customer service and were told to go to the bank asking the banker to have the claim department email directly to the branch so they can print out for me. I went to the bank again on XX/XX/XXXX. The banker called the claim department and they actually issued the claim on the wrong transactions. The whole process started from ground zero. I was told to go home and wait for the mail. They couldn't email it to the branch. I received the mail on XX/XX/XXXX containing the Affidavit of unauthorized signature or altered item. I filled the form out in front of the banker so he can notarize. I did all that and the complete form was faxed by the banker. I received another letter from the bank asking me to fill out and sign the Identity Theft Declaration of Claimant on XX/XX/XXXX. I went to the bank on XX/XX/XXXX to have it fill out with the banker. The form was faxed to the claim department on XX/XX/XXXX. I kept waiting and waiting. I called the claim department on XX/XX/XXXX and found out the claim was declined on XX/XX/XXXX. I didn't get notified either by mail or email. I went to the bank on XX/XX/XXXX and I was asked to send them a message using the secure message feature on my online banking. I received a response from the claim department denying my claim. The bank declined my claim because I am lack of ordinary care of my own information. I came to the bank on XX/XX/XXXX. The banker called the claim hotline and spoke to the supervisor and they said the same thing. Denied because of lack of ordinary care. Here is the background information : A few days prior to XX/XX/XXXX, I received a text message stating my online banking was closed and need to be verified. I opened the text and the sign on popped up looked exactly the online banking sign on. I signed on as usual and it said my information was incorrect and prompt me to provide more information. I didn't go any further and headed to work. Then everything else happened as described above. When I came to the bank the first time to reset my account, no one told me to file a police report. The banker even told me it is optional. So I didn't report until XX/XX/XXXX when the claim department. I was totally misinformed. I only received 1 notification regarding to the cancelation of the last attempt but didn't receive any verification or any alert for the other 3 transactions. The fraudster transferred money from my saving account to my checking account twice, each time was for {$20000.00} prior to making the wire transfers. The claim department mistaken these claims and denied these first. I never reported these claims. For the entire process, I only received 2 messages from the bank. One is regarding to the affidavit on XX/XX/XXXX and one is regarding to the denied claim from my saving account which I never reported. Even when my claim was denied, no message or mail was sent. I was told my money will be recovered after all the necessary paper works were returned and it typically takes 5 to 7 business days. It has been a month and it was denied. I wouldn't sign in my account if it looked different from the normal sign on page. I still can't understand how the bank keeps the customer online banking activities safe when nothing was verified. I asked the banker what they do to verify before approving the large amounts of wire transfers and it happened back to back on the same day. She told me all they need is my user ID and password of my online account. Why didn't they get red flags when approving it since I never wire transfer in the past. Why could they catch the 4th attempt but not the other three? I am in shock and in saint. | ||||||
| 04/04/2023 | Yes |
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| Thank you for reviewing. I was charged up to 6 overdraft fees per day for 2 weeks by my bank, Chase, with no notifications and wrong information from their representatives. I was unaware that my account was overdrawn until I happened to look, as my card activity did not change and I received no notifications during this time. These charges are excessive as a debit card should only let you take out what is in the account and extend credit for a few transactions. There has always been a limit to how much of the banks money is being spent to cover an overdraft and when the customer is notified/cut off. There was no evidence that Chase was trying to alert me to stop this problem during and even after I explicitly asked for a solution. It was clear that they wanted me to keep spending so I could be charged, as if I was using a credit card. The charges are excessive in number and balance and the lack of notification/assistance is predatory. The function of a debit card is to limit the amount of XXXX XXXX is given to debit card holder. I was given excessive credit I did not agree to. It was very difficult to locate the only option you can select to be notified of an overdrawn account. The only way that a Chase customer can be notified that they are overdrawn is by going down a 4 click path to a list of settings in light grey font. Out of the 15 notifications, only one of them says to be notified when account is overdrawn and it is buried in the middle of the options. This is very difficult to find on your own and the other settings are misleading ex : Notify me when my account is over {$.00} Also, when asking multiple times how to stop transactions from coming though, the response was to lock my card which only stopped card payments from coming through, not for the account, which is what I explicitly asked about. Total Charges : 29 = {$960.00} Charges Forgiven : 6 = {$200.00} Overdraft Fees paid : 23 = {$760.00} Relative Timeline XX/XX/XXXX {$2500.00} Check bounced after it was accepted into an account and I was charged overdraft fees. I went into the XXXX, CT branch and asked the representative how I could avoid this. She assured me she had put email alerts on my account so I would know if my account is in the negative in the future. XX/XX/XXXX - Attempted to deposit a check via mobile and it did not go through ( I take full responsibility for not noticing this failure and agree that I should be charged overdraft fees for the next 48 hours transactions from this failure ) XX/XX/XXXX - First time overdrawn XX/XX/XXXX Realized that my account was overdrawn ( Sunday ) XX/XX/XXXX Went to XXXX, CT branch and spoke with a representative. We reviewed the charges and she gave me back 3 overdraft fees. She called customer service to see if she could give me more where they told her I would have to call them directly. I asked her how to stop the charges coming in and she walked me through how to lock my card from my phone ( which I believed to be the answer to my question but it was not. ) She instructed me to call Customer Service and escalate this to see if I could get back more overdraft charges. She was very nice and seemed that she truly wanted to help. XX/XX/XXXX Noticed new overdraft charges. Called customer service and asked them what I needed to do to stop the charges and theyre response was to escalate this to a manager and lock my card. They created a ticket and gave me a ticket number with no follow up. Later, I received 5 letters in the mail that day all at once letting me know I was overdrawn. This was the first notification I got from Chase about my account being overdrawn even though I was getting emails from Chase every few days about unrelated promotions. XX/XX/XXXX Noticed even more new overdraft charges and called Customer Service to follow up on Ticket. The ticket they filed was a complaint, not a case, and learned that no one would have followed up with me if I didnt call. Spoke to someone and they gave me 3 more charges back and told me they would not give me more back without representation. I asked them how to stop the charges and they said bring your account to a positive and shutting down your account is the only way. This was the first time someone had given me an honest answer to the question I had desperately asked 3 times. Chase was sending me other emails for promotion which shows their priority is notifying their customer of more ways to give them money, not in the best interest of their customers own financial health. I asked multiple times how to avoid further fees and was given bad information 3 out of 4 times which resulted in more fees. There was no limit to when Chase was going to alert me and stop transactions from happening. I connected my card to a third party payment system ( XXXX XXXX ) and now they will alert me every time the card is used with the existing balance. | ||||||
| 09/06/2023 | Yes |
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Web | Older American, Servicemember |
| CFPB needs to reopen my complaint ( # XXXX ) against Chase. Chase has not fully resolved the problem they caused. I have three merchants that claim Chase has not returned the money owed them. Chase needs to engage these merchants, resolve the issue where I can be made whole. XX/XX/2023 The Facts Are Indisputable 1 ) ( FACT # 1 ) Chase admitted they wrongfully declared all my valid charges as fraudulent which amounted to 180 plus charges to scores of merchants over a period of five months. 2 ) ( Fact # 2 ) In order to stop utility disconnects and protect my credit rating I paid out of pocket over {$1700.00} to six merchants. These were all charges I had already paid Chase for. As of this writing, I still have three of these merchants saying Chase has not returned the money. They are XXXX XXXX XXXX for two charges totaling {$600.00}, XXXX XXXX three charges totaling {$240.00} and the XXXX XXXX XXXX XXXX three charges totaling {$180.00}. So I am still out of pocket {$1000.00}. When I called Chase to inform them of the problem they sent me a letter saying it was proof they returned the money. These three merchants were sent an email copy of this letter by me and the merchants still claim they have not receive the money from Chase. I have spent 80 plus hours over the last several months trying to resolve a problem that was not of my making. Again, I did not cause this problem ; Chase needs to become involved in resolving this issue with the above three merchants. However Chase has the attitude they sent me proof so it my problem. A problem solely created by Chase has become my problem. Who knows how many merchants are out there like the above three. I only know of these three merchants because I called them wanting a refund of my payment. So what happens months later when others start popping up? 3 ) ( Fact # 3 ) The response ( letter ) from Chase list an employee and phone number in the Executive Office of Chase that was available to help. That statement was just window dressing for The Consumer Financial Protection Bureau as I called the number and talked to XXXX and was told by her I would have to contact the Fraud Department. She basically wanted no more to do with it. The letter from Chase states that as of XX/XX/XXXX they have corrected my account. When I told XXXX my account wasnt right, she replied it had to be right as the Fraud Department had everything on spread sheets. It is simple, nothing more than grade school math. My closing XX/XX/XXXX Statement had a balance of {$2000.00}. This statement is correct. As of today XX/XX/XXXX there has been only one additional charge on the account of {$15.00} to XXXX on XX/XX/XXXX. That makes a correct and complete balance of {$2000.00}. When Chase finished their manipulations of my account, their corrected balance was {$2100.00} - {$500.00} ( for my experience and merchant fees ) and that equals {$1600.00}. So with all their spread sheets and brain power their corrected balance is {$71.00} more than it should be. My XX/XX/XXXX statement balance and the one additional charge are indisputable. It is elementary math ; I dont care how many spread sheets you have. Chase needs to refund me {$71.00}. When I presented all this to XXXX of the Executive Office, she responded, thats why we gave you the {$500.00}. The letter from Chase said, the {$500.00} was for my experience and fees to merchants and said nothing about the lack of their math skills. Over the weeks I watched my account go from {$2000.00} to {$8000.00} to - {$15000.00} and everywhere in between as Chase played with the numbers. In the words of one Chase employee I spoke to there are too many people making adjustments to your account. If I deduct my expenses from the {$500.00} credit and figure the hours I have put in, I come out with less than {$3.00} hour for My Experience, well below minimum wage. 4 ) Chase needs to take complete responsibility and contact the three merchants listed above to insure they received the money that Chase claims they returned. That will allow those merchants to refund {$1000.00} owed me. It wasnt my mistake and I shouldnt have been the one to prove to the above merchants that Chase returned their money ; though I tried numerous times. 5 ) To avoid any negative impact on my credit, I paid the corrected balance of {$1600.00} but Chase needs to refund me {$71.00} as they over billed me. Finally, it is important to note, not once has Chase contacted me to help resolve this catastrophic problem they caused. Yes, being on the receiving end of their systems error was catastrophic for me creating health threatening stress and a financial burden. I am a XXXX year old victim of the incompetence of a large corporation who refuses to stand up and do the right thing. Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX | ||||||
| 10/11/2022 | Yes |
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| 1 : XX/XX/2022 Received a call from XXXX XXXX ( XXXX ) asking For The Lease payment. Advised landlord that payment was sent On XX/XX/2022, with check # XXXX for {$2600.00} Verify with Chase online account that check # XXXX was cashed, however the amount cashed was for {$14000.00}. where upon revieing the image check it was noted that the check had been altered with a different payee and amount, at is was very obvious upon observation of the check. 2 : XX/XX/2022 contacted Chase fraud Division and was instructed to provide documentation of recurrent payments to XXXX XXXX both in my Chase bank account and my XXXX XXXX and submit a form called Declaration of Unauthorized Endorsement or Altered Item that they would mail to me, I ask for a faster resolution and was instructed to appear at a local branch office to obtain the form. I also provide as part of the submission copies of checks XXXX, a copy of the Chase registry shoeing the check XXXX as intended to be before it was altered. 3 : XX/XX/2022 I went to the branch office on XXXX XXXX XXXX XXXX XXXX XXXX and met with a bank official name she contacted the fraud department and was given the form ( m1407-03 ) Sections 1 2 and 3 were filled out section 4 states that if I suspect a specific person to file a police report ( I did not suspected a specific person ) so I did not file a police report. Section 5 was not filed out because it asks for additional information which I did not have. The form was faxed to the number provided on the form XXXX. I was instructed to verify in two days if the form had been received. 4 : XX/XX/2022 at XXXX am I received a text message asking if I wrote the following checks XXXX which I promptly declined and was replied with we will not pay this check 5 : XX/XX/2022 upon arrival at my office I verify the Chase bank account and found that the list of checks were withdrawn on Friday XX/XX/2022 there by reducing my available balance by {$50000.00}. 6 : XX/XX/2022 contacted the fraud department and advise them of the discrepancies, was advised that they would look into it. 7 : XX/XX/2022 returned to the branch office on XXXX XXXX XXXX XXXX and spoke with at which time I showed the XXXX images of the XXXX checks which were very different from the checks used by my firm we also verify with the fraud department if they had started their processing the form sent on XX/XX/2022 at which time they stated that they had not received the form. The bank official again sent the form via fax and was told to check in a few days. XXXX : XX/XX/2022 Received a letter dated XX/XX/2022 stating that my claim was closed but will reopen if, requiring a completion of form sent XX/XX/2022 ( that was claimed as not received ) the incomplete question they refer to were question 4 ( asking if I new who the person was, and question 5 asking for if additional information ) it was later determine that they wanted only the signatures on question 4 and 5??? we provide a sign documents as per request 9 : XX/XX/2022 was contacted by XXXX XXXX my account rep requestion the signatures again on the form ( XXXX ) which was verify received earlier. 10 : XX/XX/2022 I received an email from XXXX XXXX asking for the form ( XXXX ) for the following checks XXXX, the same checks that I provide as proof of payments to XXXX XXXX as per their request to establish continuity of payment to the same vendor?????????????? 11 : XX/XX/2022, i sent the replied stating that I have not requested a claim on the checks XXXX and ask XXXX to provide me with copies of said claim for those items to which I have not received a response. 12 : XX/XX/2022 received a letter dated XX/XX/2022 again stating the claim is closed pending completion of form ( XXXX ) XXXX : XX/XX/2022 returned and asked XXXX XXXX my account Rep to file a register complaint with customer care and the executive division. XXXX stated that she would make some calls I had ask for a copy of the complaint 14 : XX/XX/2022 XXXX stated via email that the fraud department told her to disregard the XX/XX/2022 letter and that they do have everything they need it 15 : XX/XX/2022 received an email from XXXX XXXX account XXXX stating that they do not have a number for The Executive Division and that the complaint was filed and I would be receiving a phone call within a week. 16 : XX/XX/2022 Received a letter dated XX/XX/2022 stating that the claim is closed pending a Police Report. Sent a copy to XXXX XXXX Account XXXX. Received a call from XXXX XXXX XXXX and it was determined that the police report was required because the claim was in excess of {$20000.00}??? which is the {$14.00}, XXXX plus the XXXX checks that I submitted as proof of continuity and not part of any claim. Upon her further review they stated that I should disregard the letter dated XX/XX/2022 and would email confirmation of such ..still pending as of XX/XX/2022 2022 | ||||||
| 10/30/2018 | Yes |
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| I wish to bring this matter before the CFPB. XXXX has been reporting adverse and negative information about me to creditors. In fact it seems that this credit reporting agency is trying to damage my credit and my life. I have no words to describe the numerous rejection letters from all companies in the last 7 months, all attesting that the report came from XXXX. The last straw was that I went to open an account last week with CHASE in XXXX XXXX and everything was fine until this morning when I received a mail from CHASE ( letter attached ) that they are going to cancel my account and close it because they received adverse information from my credit file through XXXX to do so. What? What type of information other than bankruptcy or delinquency should result in this form of denial. In my two decades of banking int eh western world, if you have an issue with your credit or profile, the bank account will not be successfully open due to a block that would have been placed on the account. IT is not something that a bank finds out after the fact. This is unconscionable and smells of something sinister. At this time, it should not even be possible for the bank to obtain my credit information because my account is locked for inquiry, so at this time I am still wondering what happened and how it happened. The bank Chase has no right to conduct a check on my social security with XXXX or any other credit bureau without my consent. I have my credit file locked to prevent fraud and other nefarious activities of unscrupulous companies. The fact that this bank could prove to be of such a class, is not too shocking to me given their discriminatory practices in XXXX XXXX. For them to claim that XXXX shared my credit information with them is not possible except XXXX violated my privacy and my subscription with them which I pay for monthly. I pay them $ XXXX monthly for them to protect me from unscrupulous criminals who go stealthily to steal customers information pretending to be doing credit checks. I do not understand why Chase or any bank would claim that they pulled my credit report and I have no notification to the effect that this was about to happen. It should not even happen, because what usually occurs is that I get notification and then I will unlock my account. This Chase account is a checking account not a credit account, so I do not understand why the bank would say that they can not open an account with me because of information in my credit report. First, I need XXXX to inform the CFPB what information is contained in my account to warrant me not to be qualified for a checking account. Second, I need XXXX to explain how Chase or any bank has been successfully pulling my credit behind my back, when I have locked the credit file using their tool which I pay for monthly. For this to happen, it means that other activities must be happening without my knowledge while I have been paying and thinking that I have a subscription offering me protection against such actions. I also need to make clear here that I have no adverse information in my credit report or anything that may warrant me not successfully opening a checking account. I was at their office and there was nothing in their system that gave any alarm about me. If indeed, I have an adverse credit problem, the system will immediately block any attempt to open the account. The only explanation is XXXX motivated attempt to deny me the privilege of an account. THIS IS XXXX AT PLAY BY CHASE BANK on XXXX XXXX XXXX, here in XXXX XXXX. It is important that Chase understands that its branches in XXXX XXXX are conducting discriminatory and XXXX actions against legal residents in the county. Also, XXXX is conducting discriminatory practices with the intent to destroy the credit of certain people of certain demographics or status as part of some strategy. This has to stop! They should not have lied to anyone who rely on their information to make decisions. As in this case, this is a total lie and I want them to be investigated. Both XXXX and Chase have committed a crime against me here. They have violated my rights to Fair Credit Reporting and also accessed my personal identifiable information without my consent and threatened me with adverse actions such as closing my account for no just cause, making a spurious claim against me. This bank threatened me with impunity. They have no justification to do what they did, but because they have XXXX people in this bank, they are now using XXXX profiling tactics, such as denying to open account based on citizenship status among other things. They are discriminating against people in the United States legally. You need to investigate the CHASE Bank! Can you imagine what they are doing and what they just did to me!? They are basically denying me access to a checking account using a BOGUS LIE! | ||||||
| 01/04/2022 | Yes |
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| Dear Representative of the Consumer Financial Protection Bureau : We are writing to describe fraud -- in the form of deceitful pricing -- perpetrated against us by Chase Travel and Chase Sapphire Credit Card, which resulted in our being charged a non-refundable amount of {$3500.00}, without our prior authorization, for travel on XXXX XXXX ( tickets XXXX and XXXX ). Below we describe, in brief, how this fraud was perpetrated and our failed attempts to seek any pricing rationale or rectification from Chase Travel or Chase Sapphire Card services. As a resolution, we seek repayment by Chase Travel of {$3500.00} and an apology. On XX/XX/XXXX we booked two tickets through Chase Travel on XXXX XXXX ( itinerary # XXXX ). Exhibit XXXX is the trip receipt that was promptly emailed to us at the time of booking and clearly shows the payment of {$230.00} and XXXX XXXX ( travel points accumulated through our Chase Sapphire card ). Because of increasing COVID-19 restrictions at the time of this trip ( XXXX through XXXX ) we had to cancel. We were informed that rebooking our travel points would be possible but only on XXXX XXXX flights. On XX/XX/XXXX, we rebooked the tickets using the previously credited {$230.00} and XXXX XXXX. Exhibit 3 shows the " receipt '' for this rescheduled trip that can be downloaded from the Chase Travel website, which includes the " paid '' Payment details of {$2600.00}, which corresponds to the total points and monetary cost of the original booking ( {$230.00} and XXXX XXXX ). At the time of rebooking, we also received an email from Chase Travel -- Exhibit 4 -- which included the " Flight Tickets '' but notably excludes any pricing information. We assumed that no additional charges had been incurred and certainly did not authorize any additional charges on our Chase Sapphire Card at the time of rebooking on XX/XX/XXXX. It was not until XX/XX/XXXX, when we received our Chase Sapphire Credit Card Statement that we discovered two unauthorized charges made to our credit card XX/XX/XXXX for a total of {$3500.00} ( Exhibit 5 ). We contacted XXXX XXXX and were told the charges were made by Chase Travel. We immediately disputed the charges with Chase Sapphire and were informed that the charges were legitimate, despite our never having authorized them or being informed of any additional costs associated with rebooking the tickets. Using the ticket numbers embedded on the " Flight Tickets '' email from Chase Travel ( Exhibit 4 ), we went to the XXXX XXXX website and found the " AA RECORD LOCATOR : XXXX, '' which inexplicably listed the cost of the two rebooked ticket as : {$6100.00} USD ( Exhibit 6 ). There was no indication of how travel awards points were applied to this cost, nor any accounting for or justification of this price, which did not and does not exist in any search for these flights on the XXXX XXXX website. Chase Travel randomly determined a price for the rebooked tickets that was not justified by any information on the XXXX XXXX or Chase Travel websites. We assert that fraud was perpetrated because we were not informed of this capricious pricing and, moreover, because the costs of the rebooked flights on the XXXX XXXX website that were listed at the time were, at most, less than half of the amount we were charged, with numerous other less costly options available during the same time period. It appeared we had been deliberately deceived by Chase Travel about the cost of rebooking our trip. Over the next several months we placed numerous calls to Chase Travel and were never given any pricing justification. In our most recent, and final, exchange with Chase Travel, a letter from " XXXX XXXX '' blatantly lies when she claims that at the time of rebooking on XX/XX/XXXX that : " Our travel consultant provided a recap of the itinerary, and additional cost for {$1700.00} per ticket, or a total of {$3500.00} additional cost before completing the reservation. When we completed your reservation, we sent a confirmation to the email address you provided at the time of booking. '' ( Exhibit 8 ). Instead, at the time of rebooking no " travel consultant '' informed us that additional costs of {$3500.00} would be incurred and no pricing information was included in the " confirmation e-mail sent. '' We are a middle-income couple who work as educators. This case of fraud -- deceitful pricing ( perpetrated either intentionally or through ineptitude ) -- has cost us considerable distress, both financially and in terms of time and emotional energy. We are horrified that other families in the future might become the targets of this type of price deception by Chase Travel and collusion by Chase Sapphire, and therefore submit this letter of formal complaint. In addition, as compensation for ourselves, we seek repayment of {$3500.00} and apologies from Chase Travel and Chase Sapphire. Sincerely, XXXX & XXXX XXXX | ||||||
| 07/23/2021 | Yes |
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| On XX/XX/2021, {$190.00} was charged by XXXX to my account in a transaction I did not authorize. The next day, three more unauthorized transactions were posted to my account by XXXX, totaling {$210.00}, {$210.00}, and {$200.00}. On XX/XX/XXXX, three additional unauthorized transactions were posted, for {$210.00}, {$200.00}, and {$210.00}. I reported the transactions as soon as I noticed them around XX/XX/XXXX. When I noticed the transactions, I notified Chase, which issued me a new debit card number and mailed me a new card. However, a final charge of {$190.00} was posted to the new debit card on XX/XX/XXXX, at which point I locked my account and again contacted Chase. They issued me a third debit card and mailed me a third new card. Each time I noticed a new unauthorized transaction, Chase issued me a temporary credit. However, on XX/XX/XXXX, I noticed that all of the temporary credits were reversed. I promptly visited Chase, and was told by the claims department that XXXX verified the purchases with Chase by providing the correct name and billing address, and that as far as Chase was concerned, I received the packages. I was then told I was responsible for the purchases, and that I was liable to prove that I did not receive the package. They then provided me with a partial tracking number. I asked how it makes sense that the purchase was verified with my address only, as it is not difficult to imagine that if the fraudster had access to my account deep enough to still use my card after being issued a new number, they would have access to my address. I did not receive a satisfactory explanation to this. It was upheld that I was responsible for proving I did not receive the package. At no point was I shown any documents, informed about any part whatsoever of the investigation with XXXX, provided any other information besides that it was authenticated with my billing address, and received nothing but a partial tracking number. I then attempted to obtain the address that the package was shipped to from USPS using the partial tracking number, and was informed that not only can USPS not find the shipment with the partial tracking number, they also can not legally disclose the address that the package was shipped to until I obtained the full tracking number and filed a report with the " Postal Inspector ''. I then contacted XXXX in order to obtain the tracking number. When I contacted XXXX, they told me they can not locate any of the transactions without the order number. I protested that I did not place the order, and therefore did not get any tracking or order number. They told me there is nothing they can do, and refused to look any further into the matter. In fact, I remember being asked directly by the customer service agent, " Well, how do you expect me to be able to help you? ". I then discovered the CFPB while looking into what more I can do, and called XXXX back. When I stated that I will file a report with the CFPB, they were then able to use the last four digits of both my debit cards that were compromised to locate every transaction made by the fraudster. I was then told that there was an " escalated '' report filed with the XXXX fraudulent purchases department, and that I will be contacted within a few business days in order to exchange further information. Currently, after having the temporary credits revoked today, XX/XX/XXXX, I am waiting to be contacted by the XXXX fraudulent claims department in order to obtain the full tracking number, in order to file a report with the " Postal Inspector '' that will prove to Chase that I did not receive the package. However, I believe that it is not fair that I have to prove that I did not receive the package, as I took the proper precautions by closing and freezing my accounts as soon as I was aware of each purchase, reporting each transaction to Chase, and cooperating with Chase each step of the way. I do not have a history of claims for fraudulent purchases, and have been a client of Chase for almost three years with no incident. There is no reason the entirety of the responsibility of investigating the whereabouts of the package should fall on me, and I believe that having the transaction verified by only my address is, to be frank, lazy. I do not feel that Chase has done their due diligence in investigating my claim, and I am very upset at the way that Chase has treated me during this episode, by refusing to give me any information about the investigation, not answering my questions regarding the verification process or the process to prove I did not make these purchases, and refusing to give me the full tracking number. I cooperated with them, and they have not cooperated with me. I would like noted that I attempted to attach monthly statements to this complaint, but I do not have any statements available to view for XXXX transactions yet by Chase. | ||||||
| 01/15/2023 | Yes |
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| Around XXXX on XXXX XX/XX/2022, I received a phone call from registered caller ID as Chase Business ( XXXX ) XXXX The representative said they detected fraud in the form of a wire transfer originating in XXXX Texas if I authorized these charges. I firmly said no and they then asked if I would like to cancel them, I said Yes. They said they needed to verify my identity and they would ask a series of questions. They asked if my address was XXXX, I said yes. The asked if my phone number was XXXX, I said yes They then said they would transfer me to the fraud department. I was on hold for about XXXX minutes. The next caller identified himself as XXXX. He asked a series of the same security questions. They did not ask me to give any information. They only asked a series of yes/no questions. They asked me if I lived at several different addresss. Some were yes, some were no. They had addresss for me that I lived at 20 years ago. They then said they would like to review the most recent charges they gave me my present balance which I confirmed. I asked the caller for his name and representative number. He said his name was XXXX and his rep number was XXXX They were able to read off at the last 6-10 charges. I had my app open so I verified everything because it was all correct. They then asked me to check my other accounts if I noticed any fraud on those accounts. I did and there was nothing. I then checked the wire transfer and there were two wires pending one for {$40000.00} and one for {$38000.00}. I started to panic. They said it was no problem that because they were pending they could still stop them from processing. They gave me the information of the receiver and asked if I knew who they were, I said no. They asked if I had given anyone my log in info or if anyone had used my devices, I said no. I then asked if they could give me some sort of proof that it was in fact Chase on the line. They sent me a one time passcode text message, I received it as a text on my phone in a thread from previous Chase code texts I had received in the past. So I felt more safe that it was Chase. They then said they could verify by sending me another message to the app. I opened up the app and I received a pop up window from Chase that read a chase representative is calling you or on the line, can you verify yes or no there were to options yes/no so I clicked yes and it immediately took me back to the home screen of my accounts. That made me feel more secure since I was logged into the app. They said they would put me on hold while they waited for the charges to stop processing. While they had me on hold, I muted them and used my business phone to call Chase directly. I let them know that I had received a phone call from them and that there was wire fraud charges pending if this was a real call. The representative said there was no way for him to tell. He saw the pending charges and all he could do was make a claim. I hung up with the other line and asked this new representative to please escalate as it was my entire bank account being fraudulently wiped out and the charges were still pending that we could possibly catch it in time to stop them. We went through another round of security questions and started to file the claim. As this transpired the charges processed and I received an email that the wire was processed. I was furious and very upset. The representative said there was nothing he could do. I would receive paperwork in the mail in 7 days and to fill out and send back. I immediately went to the police station to file a report. A few hours later I received a phone call from XXXX XXXX Bank calling to confirm the charges. I denied them and they said they would do they're own investigation but could give me no further information since I was not there customer. I still have the voicemail if needed to be furnished. At no point did Chase call me or send me any text messages or email to confirm these wire charges. I have zero history in the many years of banking with chase of ever sending anyone that large of a wire transfer much less my entire business funds. I dont know who those individuals are and can not understand how Chase allowed my account security to be breached. Furthermore, there was fraud on my business debit card just one week prior to this happening to which we had to close that card and issue a new one. Since this incident, I have continued to receive phone calls from caller id registered as Chase Business ( XXXX ) XXXX. Additionally, I have received two more attempts on this account which I have denied and the account at the time is frozen/blocked. I am not sure how this keeps happening. My security with Chase is breached. My private information has been leaked and my life savings is gone. I need this to be reinvestigated. The persons who received the wire information is there for Chase to investigate. | ||||||
| 11/01/2018 | Yes |
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Web | Servicemember |
| We have had our mortgage loan with Chase Bank since XX/XX/XXXX. Our principle, interest, tax, and home insurance are automatically withdrawn from our Chase checking account each month. The tax and home insurance funds are deposited to a Chase escrow account that my wife and I have never had access. I learned this year that our insurance provider and our County Tax Assessor bill Chase Bank who then draws the funds previously paid to the escrow account to pay those bills. In XX/XX/XXXX, I received a XXXX XXXX XXXX rating from the VA and we decided to change our home insurance provider. I filed paperwork and provided documentation to XXXX County, which made us exempt from property tax on our home from XX/XX/XXXX going forward. I instructed one insurance provider ( XXXX ) to allow coverage to end on XX/XX/XXXX, and the other provider ( XXXX ) to begin coverage on XX/XX/XXXX. Toward the end of XXXX, I received a check for {$2900.00} from XXXX. On XX/XX/XXXX, I took that check to the Chase Bank branch in XXXX XXXX, TX. I signed in and waited to speak with a mortgage banker in order to deposit the check into the escrow account for XXXX and to make certain the policy change was good for the next day. When I spoke the banker, she informed me that the {$2900.00} was money that I had paid into the escrow account in XXXX, the funds for XXXX would be placed in escrow from future payments, and that I didnt need to do anything with my payments or the check. I also let her know that I would be exempt from future property taxes, and that I would bring her the letter from the County when I received it. She stated that it would be best for me to fax the letter directly to the Chase tax department, and that I could find that information on the website, just make sure I include my loan number with the fax. So, I endorsed the check, gave it to the banker, and deposited {$2000.00} into our Chase checking account. On XX/XX/XXXX, I received the tax exemption letter from XXXX County. When I logged on to my Chase Bank account, there was a notification that my monthly mortgage payment is going to increase {$150.00} per month. I knew it couldnt be the insurance, XXXX is {$1100.00} per year less, so I figured it may be a mix up with the taxes. I found the fax number on their website to submit supplemental tax documents ( XXXX ), and tried to submit my documents for two days, with a return message of busy line for recipient. After two days, I called that number, it is a live phone number for XXXX XXXX XXXX. I got assistance to look at the escrow account online. Chase is claiming a {$2400.00} shortage in our escrow account. After repeated phone calls for the past week I finally got a working fax number. I made them aware of the problem on XX/XX/XXXX, one of the Customer Service Representatives called it while I was on the phone with her, but it is still the same wrong number today. They paid XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, the Chase banker knew that when I was sitting in her office endorsing a check worth {$2900.00}. After paying my County Taxes on XX/XX/XXXX, our escrow account went negative {$2100.00}. XX/XX/XXXX, our automatic payment will deposit {$440.00} into that escrow account. I have tried repeatedly to find out from Chase how their banker let this happen, and what the real numbers are to clear the escrow account so that I can close it to deal directly with XXXX for insurance. Their answer is that I owe them {$2900.00}, and my mortgage payment goes up {$150.00} per month as of XX/XX/XXXX. The last conversation I had was with Ms. XXXX XXXX who claims she is an escrow supervisor and that there is nothing I can do about their negligence. I asked if the conversation had been recorded and if I could get a copy of it. She stated that it had been and that I would have to get a subpoena. She did give me a reference number : XXXX I understand that you have more important matters than looking into some banking shenanigans for a guy who obviously has no idea what is going on with an escrow account that he has been blindly dumping money into for years. We dont have the resources to hire attorneys or accountants to challenge Chase Bank. They refuse to do another analysis of the escrow account with actual information, and give us a real number to close the account. Everyone I have spoken with act as if they are reading from a script that can not be altered, and nobody knows how the amounts got to where they are. " I didn't do it. '' is the standard answer. Please, help. I would like to get this figured out so that we can hopefully prevent it from happening in the future. I will be paying XXXX directly, and have zero tax liability, but no one at Chase will listen and I have no idea of how to get the money into the escrow account. When I took it to the bank, it never went to the escrow account. I appreciate your time and efforts. | ||||||
| 08/19/2022 | Yes |
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| On XX/XX/XXXX I was contacted by someone who said they were calling from Chase Bank Fraud department. They said there had been an attempt to wire {$50.00} XXXX out of my account, he said that the account was now frozen and in order for me to have access to my funds and release the freeze I had to log onto my app and fill out the wire section and put myself as the beneficiary so that the money would be able to come back to me. They provided the account number and the exact dollar amount that was in my account. I was apprehensive about providing information and they said that I could verify they were calling from chase as the number they were calling from would match the phone number on the back of my debit card. I did verify this and it was a match. phone number was XXXX XXXX XXXX. I refused to provide any other personal information which he said he didn't need but that I needed to go onto my Chase app and open the wire transfer section, he said I would receive XXXX codes and to not read them out to him for my privacy and safety. He kept me on hold for almost an hour telling me he was running a scan to make sure that my account could only be accessed from my phone. I got a bad feeling and immediately hung up and called chase fraud myself. I provided the name he provided and his ID number he gave me. He said his name was XXXX XXXX and ID number XXXX. Chase told me this was a fraud and nobody with that name works at Chase. We immediately flagged the wire and opened a claim # XXXX. We then went to the branch and spoke with a banker who advised us the wire was pending and they would try to stop it. The next day I logged into my account to see the wire of {$50.00} XXXX XXXX Dollars had been approved and gone through. I made contact with Chase Claims department daily over the phone and secure message and was given no information. XXXX XXXX reached out to me on XX/XX/XXXX to ask if I had opened an account with them in my name and intended to wire {$50.00} XXXX to that account. I assured them this was not me and to please secure the funds as best they could as it was a fraudulent account and transaction. They told me they would do so providing me with the phone number to the prevention center XXXX XXXX XXXX and a reference number of XXXX and to let Chase know they needed to send a recall for wire fraud to XXXXXXXX XXXX so that we could get our money back. I did this immediately and provided this information to chase claims on XXXX said they were sending us a Packet 43 to fill out and return, we have never received this. On XX/XX/XXXX I went to Chase bank in person to have the banker print out the Affidavit, I signed it and he faxed it back. I have called Chase daily to try and get an update, I am told " they are working on it '' We have had no reassurance that we will recover our money. On XX/XX/XXXX I contacted XXXX XXXX bank again, they informed me they were waiting on Chase bank to initiate contact and to request a recall for the wire fraud, they are not my bank so can not initiate the recall and need chase to make the contact so they have a letter of indemnity on file. I called Chase to find out what the hold up is and they say they are waiting for XXXX XXXX! I'm not sure what to do at this point. It has been almost 3 weeks and we still don't have our money back. I have opened a complaint at the complaints and escalation department at Chase Bank. I am dealing with Precious and contact her on XXXX Ext XXXX My case number is XXXX XXXX. I was advised by her that reporting this to the authorities may help us recover our money. I require that the FBI investigate this fraud and endeavor to trace the perpetrator. Please let me know what further information or documentation you require to help in this case. I have been in constant contact with both Chase Bank and XXXX XXXX Bank but am receiving no real assistance. In my latest conversation with XXXX XXXX today, they informed me that they could not disclose to me the identity of the account holder to which the stolen {$50000.00} was wired from my Chase account. They indicated that they could only disclose that information to law enforcement. Clearly this individual is the person who committed the wire fraud and I would request that you urgently contact XXXX XXXX Bank to obtain his identity and possibly apprehend him. Both Banks are doing nothing to return my money and are threatening to close their files.Wells XXXX Bank state that they will only keep the matter open if they are contacted by law enforcement. Can I please make a very urgent appeal that you telephone XXXX XXXX BAnk as soon as possible, as further delay could result in the stolen money being irretrievably lost. The contact details of the person at Chase Bank dealing with the matter are as follows : Name : XXXX XXXX XXXX XXXX XXXX Police report filed XX/XX/XXXX case number XXXX FbI report online on XX/XX/XXXX | ||||||
| 10/17/2018 | Yes |
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Web | Servicemember |
| Chase has put an insurance lawsuit settlement of {$170000.00} into an escrow escrow account because upon settlement the insurance company included their name on check. At this time my attorney had to drive an hour to find closest branch to deposit check because chase wouldn't sign off on check.. Chase originally instructed my attorney to have myself, my fiance and a rep from law firm sign off on check and mail it to them for deposit ... upon deposit they asked my attorney for several legal documents which were submitted and my attorney asked if this is all they would need and they replied yes, no other documents or anything else was needed. They then disbursed only {$100000.00} of it on XX/XX/XXXX and refused to send balance until basement was complete.. upon completion of basement rebuild ( on or around XX/XX/2018 ) my attorney called to tell them basement was done and requested the release of final disbursement.. Chase said an inspection of basement, which is what lawsuit was over ( damage from sewage backup ), and were setting one up and we should hear from inspection company in 5 days. We did not receive a call so my attorney called Chase and and Chase said the inspection company tried to call on a few days and left voicemails, which is false because number they were to call was my cell phone which I have on me at all times ( business phone ) .. so cause said they would expedite inspection and resubmit for inspection and we should hear within two fays.. once again no one called so my attorney once again contacted chase who once again claimed that I was left voicemails in which they said I never returned.. so finally on XX/XX/2018 an inspector contacted me and said she would be there next day.. on the XXXX the inspector left me several text messages pushing off my inspection from present times throughout the day.. finally at XXXX XXXX saturday XX/XX/2018 the inspector showed up and went through basement with my fiance.. upon completion of inspection the inspector claimed only 90 % of basement rebuild was done, citing tile was in but wasnt grouped yet, toilet was installed but no water was running to it, and a ceiling, which was never there since I bought house was not in new bathroom area.. so since I wasnt home I called and asked the inspector if she had any questions because I believe she was wrong in her inspection she said no everything was " good and up to par ''! Two days later my attorney called Cjase to check on status of check and they told them everything was satisfactory and they submitted inspectors report into system which takes 2 business days to go through computer and that within 6 business days a check would be processed by the system and we would have final balance and disbursement.. 6 days goes by and no check.. my attorney calls and chase said the computer messed up and showed a check was suppose to be processed and lit never did.. so once again chase said it was corrected and within 4 days a check would be expedited to us.. I also called and was told the same thing that I would see a check in 4 days at my attorney 's office.. 4 days later my attorney calls and now they are claiming the need a copy of lawsuit settlement, " to see if there was anymore money coming to me from lawsuit ( in which my attorney had already sent the paperwork about toatals and disbursement of lawsuit settlement upon deposit ), and they also would like to do another inspection to make sure the other 10 % of work was finished ... now they are claiming that inspector will be in contact within the next 8 business days.. will have to wait 2 more business days after the inspector submits 2nd report and then another 4-6 days before chase could cut us a check for final disbursement if they are satisfied.. my attorney and I find their policies and operating procedures as fraudulent and are just basically holding my money for no apparent reason.. we have gone above and beyond what we need to do to make this process run smoothly and quickly and everytime we satisfy chases demands they change the rules and come up with a way that they can refuse to give us the money ... right now they are holding {$70000.00} on a basement rebuild that was estimated by mitigation company at {$11000.00} ... I need this money to pay off {$30000.00} to mitigation company and contractors that worked on house to not only fix damage but upgrade the house to the standards of 2018 ... also since oil heating furnace was damaged during sewage backup it was ripped out and central air was put in and we cant get company to finish setting up units on one side of house because they are waiting for {$12000.00} in work done already.. it has been in the 30-60degree range temperature wise and my XXXX year old daughter 's bedroom has no function heat unit yet nor does my bedroom.. I have expressed this to chase and they dont seem to care ... please help | ||||||
| 03/03/2018 | Yes |
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Web | Servicemember |
| J.P. Morgan Chase Bank and NA subsidiary J.P. Morgan Mortgage Acquisition Corp XXXX XXXX XXXX XXXX XXXX, authorized agent for J.P. Morgan Mortgage Acquisition Corp. XXXX XXXX XXXX, XXXX ( XXXX ) made an egregious error while acting as Authorized Agent for J.P. Morgan Mortgage Acquisition Corp. while servicing a primary residential loan for XXXX XXXX and XXXX XXXX ( XXXX ). XXXX missed a contractually required payment change from the 10-year interest only payment to an interest and principle payment schedule required to be set at the current interest rate at the 10-year maturation point. XXXX missed this contractually required change by an estimated 6 months, setting the principle and interest payment at an interest rate that had risen to a rate above the rate available to XXXX 6 months previous. Upon realization of this error by both XXXX and XXXX, and after XXXX researching the remediation plan, a XXXX representative advised XXXX that a Loan Modification would be immediately initiated to correct the XXXX error, and that XXXX needed to continue to make the interest only payment, as the principle and interest payment under scrutiny was not correct. While under full compliance with all Loan Modification requests for information, XXXX continued to repeat already complied to requests of XXXX over and over again, claiming information submitted did not provide the information being requested, when in fact the XXXX reviewers proved to be very illiterate in reading comprehension. All repeated requests proved to only be a stalling tactic to harass XXXX, while XXXX attorney repeatedly explained to XXXX that information being provided by XXXX is 100 % exactly what they asked for. The XXXX representatives were clearly avoiding, misrepresenting requests, and were obviously not able to comprehend plain English under some very strange tactic to stall and harass XXXX. Under no advanced warning and under no notification to XXXX or XXXX attorney, XXXX stopped the Loan Modificationin other words just cancelled it. XXXX and XXXX attorney asked for explanation and no explanation was provided, and communication on the subject was extremely tedious. XXXX filed a formal complaint with the CFPB and the response provided by XXXX was nothing more than a flooding of paperwork with false assumptions and excuses to imply that XXXX and XXXX attorney failed to provide documentation in a timely manner. All of which was a 100 % fabrication and complete mischaracterization of facts. Although XXXX representatives used the lying tactic to cover their unethical practices, XXXX agreed to reinstate the Loan Modification, and the process was finally completed very quickly for XXXX. In the XXXX original complaint filed with the CFPB, the satisfaction of the complaint required the undoing or repair of the fraudulent credit reporting during the period of the Loan Modification Process. XXXX and XXXX attorney under full cooperation and compliance during the Loan modification process were advised by XXXX representative to continue to make the last known legally correct monthly payment. This payment being the interest only payment was provided every month on time, and as agreed, to XXXX by means of XXXX XXXX XXXX XXXX XXXX bill payment system. Without explanation from the XXXX representatives advising XXXX and XXXX attorney, XXXX returned every check except one to XXXX attorney. Confused by this action, XXXX attorney attempted to get reasoning and explanations for the returned on-time payments. No explanations were provided other than the excuse of another XXXX department handling and not knowing the situation. XXXX was assured by a XXXX representative that it was nothing to be concerned withto continue to make the payments, and the issue with the credit would be easily fixed once the Loan Modification was finalized. This is proving to be false as XXXX has continued to harm XXXX credit by not correcting the XXXX fraudulent credit reporting. XXXX filed an additional complaint with the CFPB for the separate issue of the fraudulent credit reporting, and XXXX has simply refused to respond. XXXX has claimed that they have already addressed the complaint in the original CFPB filing by XXXX which is not true. XXXX provided in the original complaint that satisfaction of the original CFPB complaint would be to complete the Loan Modification and correct the errors reported to credit bureaus. They have refused to address or correct the fraudulent credit reporting. XXXX has attempted to go through the credit reporting bureaus for remediation and XXXX has not cooperated. XXXX attorney has attempted to go through XXXX directly under formal legal correspondence, and XXXX has refused to respond to XXXX attorney. XXXX has recently filed a formal complaint with the California Attorney General and the Florida Attorney General against XXXX on XX/XX/2018. | ||||||
| 06/19/2020 | Yes |
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| In XX/XX/XXXX I filed for a Chapter XXXX Bankruptcy in order to reorganize my financial affairs. At that time Chase Home Finance ( JP Morgan Chase Bank ) filed a secured claim for my home mortgage for the amount {$700000.00}. Chase also filed an unsecured claim against a credit card account that I had with them for the amount of {$20000.00}. My bankruptcy plan was confirmed in XXXX, XXXX. I immediately paid off the unsecured credit card, at a payout rate of 10 % as per the plan, {$2000.00}. And over the course of the next 2 years I made both contractual and plan payments to Chase on its secured claim, again in accordance with the confirmed bankruptcy plan. These payments were clearly marked as for payment of the mortgage loan in accordance with the confirmed plan ; and each check included the loan account number in two places. During that time however, Chase fraudulently altered some of these checks, crossing out the loan account number ( ending in XXXX ), and writing-in the credit card account number ( ending in XXXX ). On some checks Chase marked 'Rej ' or 'Reject ', but in all cases negotiated the checks. Chase misappropriated these funds and did not give me credit for them at all. The amount of funds misappropriated by Chase was close to {$45000.00}. In about XX/XX/XXXX, Chase transferred servicing of my loan to XXXX XXXX. Chase did not inform XXXX of the altered checks and misappropriated funds ; and didn't even inform XXXX that I was making payments in accordance with a confirmed bankruptcy plan. The result was that XXXX believed that I was delinquent on my payments by the amount that was misappropriated. And XXXX refused subsequent payment from me, because the account was so delinquent that they would only accept a full-satisfaction payment. The ensuing dispute over the loan accounting has so far taken almost six years. And only recently I uncovered the fraudulent misappropriations by Chase, and that those misappropriations were the source of the dispute. Chase forged, altered and modified my checks in violation of California Penal Code 470 and 471. In particular ( California Penal Code 470 ) : Every person who, with the intent to defraud, falsely makes, alters, forges, or ..., publishes, passes or attempts or offers to pass, as true and genuine, any of the following items, knowing the same to be false, altered, forged, or counterfeited, is guilty of forgery : any check, bond, bank bill, or note, cashiers check, travelers check, money order, post note, draft, ... and ( California Penal Code 471 ) : Every person who, with intent to defraud another, makes, forges, or alters any entry in any book of records, or any instrument purporting to be any record or return specified in Section 470, is guilty of forgery. In addition Chase violated California Commercial Code 3-420. Furthermore, in violating the terms of the agreed-upon confirmed bankruptcy plan, Chase was in breach of contract. By forging the account number on the checks, Chase also violated California Penal Code 476 PC : " every person who makes, passes, utters, or publishes, with intent to defraud any other person, or who, with the like intent, attempts to pass, utter, or publish, or who has in his or her possessionany fictitious or altered bill, note, or check, purporting to be the bill, note, or check, or other instrument in writing for the payment of money or property of any real or fictitious financial institutionis guilty of forgery. By propagating their malfiesance to the successor servicer ( XXXX XXXX ), by failing to disclose the fact that my payments were in accordance with a confirmed bankruptcy plan, and by obscuring those payments, Chase violated RESPA 12 CFR 1024.35 ( b ) -- and also directly caused the successor servicer ( XXXX XXXX ) to be in violation of the same statute. In particular : Failure to accept a payment that complies with the servicers written requirements. Failure to apply an accepted payment to principal, interest, escrow, or other charges as required by the mortgage loan and applicable law. Failure to credit a payment to the borrowers account as of the date the servicer received it, as required by 12 CFR 1026.36 ( c ) ( 1 ). Failure to transfer accurate and timely information relating to servicing to a transferee servicer. and also 12 CFR 1024.38 ( b ). In particular : Servicers are required to maintain policies and procedures that are reasonably designed to achieve the following objectives ... 4. Facilitating transfer of information during servicing transfers .... b. Transferee Servicer. The servicers policies and procedures must be reasonably designed to ensure that when it receives a mortgage loan from another servicer, it can ( i ) identify necessary documents or information that may not have been transferred, and ( ii ) obtain such documentation or information from the transferor servicer. | ||||||
| 06/05/2020 | Yes |
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| To whom it may concern, On XX/XX/2020 I went to Chase Bank where I have more than one account. I went to the bank to cash two money orders that were made out to me. I purchased the money orders to pay for a business transaction but I decided not to make the purchase. Upon arriving at Chase drive thru I gave the money orders to the teller and stated I wanted to cash them. The teller after several minutes told me it would be a three to 5 days hold on the money orders. I instructed the teller to send the money orders back to me so I can take them back to where I purchased them for cashing. The location of purchase was a distance away that is why I decided to cash them at Chase Bank. I went to where I purchased the money orders to cash them but I was told they could not cash the money orders because Chase Bank had stamped the back of them and wrote on them. I went back to Chase Bank drive thru and spoke with the same teller and told him what had transpired. The teller told me they were closing and the I can take the money orders across the street to XXXX to cash them. He stated that they can verify that he did not cash them that the transaction was not completed. I told the teller I don't feel no other bank or check cashing institution will cash the money orders because he stamped Chase Bank on the back of them. The teller argued with me and tried to justify his actions. I drove out of the drive thru. I decided to go back to Chase ATM and deposit the money and wait for the allowed days to clear. The lobby had closed at this time. Two days later I attempted to use my Chase Bank card to make a purchase and the card declined. Now mind you I had money in the account prior to depositing the money orders. I called customer service to find out why my card declined. I was told there was an alert put on my account and card but she said it does not indicate why. The next day I went to the same branch where I had the issue with the teller placing Chase Stamp on the money orders. I spoke with one of the managers and he and a Customer Service Rep checked and saw that there was a restriction on my account. The manager said he would look into it for me and get it taken care of. However, he said it would be later that day so he would call me after he finish. I proceeded to tell the manager the problem I had with his teller a few days prior. I explained the incident in detail. At that time I showed the manager the receipt and stubs for the money orders. The next day I was told that the restriction on my account was done by the Loss Prevention Dept. I was told to call them. I called but was not successful in getting someone on the line that day. I called Chase customer service and explained the situation that following day. He told me that the Loss Prevention dept was already closed for the day so he said I should call them the next day. He stated he was helping me by filing a complaint. Meanwhile I called XXXX XXXX the maker of the money orders and I was told Chase Bank cashed the money orders on XX/XX/2020. However, Chase did not credit my account for the funds. On XX/XX/2020 Chase credited my account for the funds. However my account was still restricted and I could not used my bank card or access my funds. I finally spoke with Loss Prevention and I was told I need to take the receipt for purchasing the money orders to a Chase Branch and have them send the copy to them. I was very upset and frustrated and told the Rep that I am going to seek legal action concerning this matter. The Rep said since your threatening legal action I have to transfer you to our executive dept. After 30 minutes on hold the Rep comes on the line and says that no one is available in that dept. She said here is the email address to where you can file a complaint with that dept. Two days later I went to a branch and told the banker the issue at hand and gave her the money order receipts to send to Loss Prevention. The banker said your accounts are in the process of being closed. I said WHY? She said it did not state why. She call Loss Prevention and spoke with a manager in that dept. They told her they would mail me a check in 10 day for my money that is in my account or what they owe me. She said they told her that I can apply to open a new account once my current accounts are closed. I have not received my money. I am upset and appalled by how I have been treated by Chase Bank. I have been treated as a criminal because I feel Chase Bank employees felt the money orders were stolen or fake. Therefore, I was treated as a criminal. I also feel it was a race issue from the beginning by how the Customer Service Rep treated me. My treatment by Chase Bank is unacceptable. Chase Bank violated my dignity and this is a matter of deformation of character, unfair treatment. Chase Bank unfair practices must be held liable and changed to protect consumers. | ||||||
| 08/23/2022 | Yes |
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| Complaint against JP Morgan Chase and demand to verify their status as banking institution for XXXX XXXX XXXX XXXX XXXX and ownership of account # XXXX, XXXX number # XXXX prepared by an individual employee of JP Morgan Chase bank. On XX/XX/XXXX I submitted my demand for total payoff statement since I found an alternative financing option with a real private Creditor. My new Creditor wants additional guarantees what her and my money will be received by my current lawful Creditor and deposited on the account owned by this Creditor and administered by its real authorized employees ; and not stolen by undisclosed to me parties via complex money laundering scheme operated by Investment Banks, including JP Morgan. On XX/XX/XXXX I received an unsigned XXXX XXXX which came from XXXX, XXXX ( as usual ). This Payoff lacks ANY references to my Creditor ; is not signed by ANY representative of my alleged Creditor ( despite my strong demand ) ; and only has a line that the Servicer is purportedly XXXX. XXXX XXXX XXXX is the real Servicer ( under CFPB Rules ) for unknown to me parties who send me faceless correspondence, phony billing statements ; void Notices of Default ; fraudulent Modification ; fake XXXX XXXX XXXX and most recently a bogus Payoff Statement where I was directed to wire {$140000.00} to JP Morgan Chase who suddenly and unexplainably appeared as a recipient of my money for unknown to me creditor ; During all time in question the alleged banking institution was XXXX XXXX XXXX where XXXX XXXX deposited my money collected by alleged servicers XXXX XXXX XXXX XXXX XXXX and XXXX, although XXXX never even appeared on my processed by XXXX checks. XXXX XXXX XXXX is the current Defendant in my Federal Complaint 22-CV-3486, Fedorova v. BOA, CFPB, SEC, FTC, FDIC et al, XXXX I suspect they decided to drop from this scam ; and pass role of banking institution to JP Morgan Chase, who XXXX XXXX in this crime from the beginning, starting in XXXX as alleged Lender for my property Seller XXXX. According to XXXX, in XXXX they purportedly received enough money on my behalf from unknown to me parties, to satisfy Steins {$200000.00} mortgage with my {$130000.00} alleged loan, sometime in XX/XX/XXXX while my closing was on XX/XX/XXXX. This absurd letter was sent to me by unidentified JP Morgans customer support team. XXXX never provided to me any verification that they received any wire transfers on my behalf from XXXX XXXX XXXX XXXX XXXX XXXX or anyone else. Now JP Morgan wants me to wire them {$140.00}, XXXX, for unknown to me parties, while JP Morgan can not find {$130000.00} they purportedly received on my behalf from pretender XXXX XXXX XXXX XXXX XXXX in XXXX. Who can guarantee that my {$140.00}, XXXX will not disappear like {$130000.00} alleged loan on my behalf for which JP Morgan has no records? Since JP Morgan suffers from severe episodes of amnesia about their accounting receivables, JPM must prove to me ownership of the account # XXXX since all my prior payments were always collected and processed by XXXX XXXX branches XXXX and XXXX into XXXX XXXX XXXX account which lacked any references to XXXX who never received a cent from me. I demand XXXX XXXX XXXX employee to VERIFY for me, in writing, that this account was opened by XXXX authorized employee and currently belongs and administered by XXXX and its responsible employees. This is not private information ; since this information is necessary to complete my transfer of very significant for me funds. Moreover, the XXXX number # XXXX, according to public records, belongs to at least XXXX other banks : XXXX XXXX Bank XXXX XXXX ), XXXX Bank, XXXX. and XXXX XXXX Bank. Which creates a reasonable confusion regarding ownership of the account receivable where my wire transfer will be deposited and by whom - since the payoff does not contain any names of any individual employee who is responsible for preparation of this XXXX XXXX and for receipt and deposit of my money. Thus, verification of ownership of this account must be provided to me by my alleged current creditor and its responsible individual employee, before I make any payments to this account. These disclosures are mandatory since I do not know who receives my money which are processed by unknown to me employees like XXXX XXXX, via someones XXXX XXXX XXXX XXXX XXXX ] secured website to a shady credit union in California, without crediting any money to my principal or to my escrow. Thus, verification of ownership of this account must be provided to me by my alleged current creditor and its responsible individual employee, before I make any payments to this account. I reserve my right to make a test wire transfer into this account, and XXXX responsible employee must confirm in writing that he/she received my money, before I make any significant deposit on this questionable account. | ||||||
| 06/28/2021 | Yes |
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| On XX/XX/XXXX, eleven ( 11 ) separate charges ranging from {$16.00} to {$19.00} were made on my Chase Amazon credit card, totalling {$200.00}, by a XXXX company using XXXX. I called Chase using their 800 fraud number on XX/XX/XXXX after noticing these charges while looking through my activity to pay the outstanding balance, and they reversed the charges, cancelled my existing card and sent me a new one. So far, so good ... but then they added the charges back on my XX/XX/XXXX statement. When I called them in late XXXX, they told me the vendor had verified the charges so they had decided the charges were valid as I supposedly " received benefits '' or something to that effect, and repeatedly asked me if anyone had ordered these items. I asked what items were they talking about and they mentioned various styles of shoes. The answer from me was an emphatic " No! '' No one but myself has access to my card. At my request they sent me physical copies of the receipts, which took a couple of weeks. I repeated my statement that these were fraudulent charges and I should not pay them, and I asked them why they would take a vendor 's word who had eleven ( 11 ) separate charges on my account, who I had never dealt with before, and who claimed I ordered things that I have never ordered in the almost two decades of holding this card ... and I also reminded him that I spent tens of thousands of dollars a year for those two decades and had NEVER disputed or challenged any charges on my card, so why would I do it now over {$200.00}? He asked me why I was doing this given the amount and I told him it was because while I always paid my bills ( I have a credit rating of over XXXX ) I was NOT going to pay for something I didn't order and that was fraudulently charged to me. I received the paper copies around XX/XX/XXXX. These copies were so small it was hard to read, but the orders looked to be numerous pairs of tennis shoes with various colors of glitter ... not sure exactly because as I said I couldn't read the orders well ( I had to use my cellphone camera to magnify the images so I could see them and I have 20/20 vision ). I called them back and repeated that I did not buy these items, I did not use the website, but I did tell them that I had ordered some camp stove parts from a XXXX-based website ( XXXX ) that evidently processed their payments through XXXX ... and that I had contacted the website/owner on XX/XX/XXXX when I became aware of these charges by looking at my activity on the Chase website in preparation to pay my balance, and advised him to check his site for security issues or unauthorized accesses because I had received these fraudulent charges the same day after ordering the {$12.00} stove part ... and I have the email to substantiate this contact. The person on the phone, a frontline customer service person, couldn't answer as to why these transactions were placed back on my account after they had initially been reversed. He either would not or could not let me talk to anyone involved in the decision ( " The fraud team is 'offline ' '' meaning I couldn't talk to them ). He asked me for any other supporting information, so I sent him a copy of the email I sent to the XXXX website owner with the early XXXX date. He told me they would reopen the case and re-evaluate things and let me know. I'm contacting you today because I was notified via email that they are closing this claim and requiring me to pay, ruling that I ordered and received these items, that I have to pay for them, and that they are reporting all of this to the various credit bureaus ( XXXX XXXX, etc. ). To say that I am beyond furious at Chase would be an understatement. No one in the fraud department at Chase has reached out to me beyond acknowledging they received a copy of my email to the XXXX vendor warning him about security issues after these fraudulent charges were placed. No one has bothered to look at my credit card account to see that I don't order these types of things, that I don't order from XXXX vendors ( exactly for these reasons! ), etc. I did not order these items, I did not buy from this vendor, and I did not receive anything. This is fraud, pure and simple ... and I can not believe that Chase is unwilling to put even a reasonable effort into investigating the issue. Yes, I could give up and pay these fraudulent charges that I do not owe ... but I am not going to. I'd rather spend {$10000.00} on a lawyer and sue Chase than do that, and that is my next step. I will cancel this credit card in the next couple of weeks if a direct letter to the CEO of Chase doesn't favorably resolve this situation, and then I will pursue legal action. I'm contacting you in the hopes that you can be more effective than I can in terms of actually talking to someone inside Chase and getting them to perform their due diligence. | ||||||
| 02/15/2023 | Yes |
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| I refinanced my home two years ago. The property has two structures which are both insured through XXXX XXXX but billed separately. XXXX XXXX XXXX XXXX, XXXX NJ XXXX After the refinance, the mortgage was sold back to Chase who had it previously. Last year my insurance billed them and they paid {$1000.00} bill but did not pay the {$600.00} bill. My insurance ( XXXX XXXX ) then called me and said my insurance had defaulted. I had to pay the {$600.00} out of pocket as it was too late for Chase to pay in time to keep me from loosing the coverage. I communicated with Chase that they needed to pay this moving forward. I don't know the exact date or time but I am guessing it would be around late XXXX of XXXX. This year, I again got notice from XXXX XXXX that my Home insurance was not paid and had gone into default. This time we discovered Chase received both bills on the same day and they opted to pay the {$600.00} bill letting the {$1000.00} bill go into default? According to a conversation with a Chase rep and XXXX from my state farm agency on Thursday, XX/XX/XXXX around XXXX, Correspondence from XXXX XXXX was sent to them repeatedly and they refused to pay. ( I can send what XXXX XXXX said they sent to Chase. ) " From : XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXXXXXX PAGE PACKETS XXXX HI XXXX XXXX, Attached are XXXX Declarations Pages that were sent out on XX/XX/XXXX by XXXX XXXX to Chase. Please let me know if you have any additional questions or concerns. Regards, XXXX XXXX XXXX Insurance Account XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Address : XXXX XXXX XXXX. Summit, NJ XXXX Website : XXXX Find Us On Social Media & Leave A Review '' ( see attached ) This required my involvement, again. I called and waited through 5 minutes of their voice prompts system ( drives me absolutely insane ) before clicking a button to chat with a representative to which they texted me a link. I struggled getting their link to work and had to call back and wait through another 6 minutes of their voice prompts to talk to a person. So you can imagine the frustration of dealing with this during my work day. The person from Chase ( I forgot her name ) told me they had paid & had me on hold for about 20 min while she got a XXXX XXXX rep to explain why they were saying it was in default. After XXXX XXXX and Chase got on the phone with me, the Chase rep found the mistake & said they would pay the {$1000.00} bill. However at the conclusion, I asked to speak with a manager. I had no confidence that Chase had resolved the issue since it was the second time their incompetence created a headache for me. The Chase rep put me in touch with her manager XXXX ( XX/XX/XXXX around XXXX ). I asked XXXX why this was continuing to happen and she said this was our mistake. I asked why it was not fixed the first time? And why they opted to pay the lower of the two bills the second time around when they received them both together? She could not answer and so I asked to speak with her manager. XXXX said her manager, XXXX was, " on the phone '' but would call me back in 24hours. She gave me this number to call XXXX ... " in case she didn't '' I laughed telling XXXX I did not believe her manager would call me back. She assured me if XXXX did not call back another manager from Chase would with in 24 hours as " none were currently available ''. It has now been a week and I called back Wednesday XX/XX/XXXX, waited through all their prompts again at XXXX and spoke with XXXX. She said XXXX was " not available '' and did not know when she would be available. I told her I was done calling Chase and would file a complaint with CFPB if someone did not call me back. I have been more than patient, I have done my mortgage servicers job for them twice and taken my time to do their job. What accountability do they have? Their a huge bank. They know they can fail at their job and who has the time to call and XXXX through their labyrinth of voice prompts to to resolve issues they simply ignore? They make it so difficult for clients when they don't do their jobs, yet they make no effort to change! Do they care about their customers? Do they care that home insurance goes into default? Why is this happening repeatedly with them? Who keeps them accountable? Are their any consequences for their failures? The only way to get them to change is for it to COST them something.They have taken hours of my time because they failed to do their job. No one pays me for my time to do their job for them. XX/XX/XXXX I was dealing with their incompetence for two hours! A fair resolution would be to compensate me for the time I have had to put into correcting them repeatedly and wasting my time on something they should have done from day one of purchasing my mortgage. | ||||||
| 04/01/2020 | Yes |
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| Chase bank is violating the law that requires that they provide access to my credit card information. They are denying online access under a previous agreement, if I don't sign documents granting them more privileges and giving up rights. ( I have already given up my rights to paper statements on this credit card ) This is coercion and blackmail. I took several steps, outlined below, to resolve this with Chase. Their representatives have repeatedly refused to grant me access and have refused to restore the rights and privileges I previously had. Chase has taken the tragedy of the COVID19 pandemic to try to blackmail me and other customers into signing away privileges in a time of stress -- and to risk exposure to the virus in order to get access to my financial records ... ... ... .. I have an Amazon Chase Visa credit card in my own name. I also share a checking account at Chase with my husband. We also have a HELOC with Chase. I agreed to paperless reporting and online access for my credit card ONLY when I opened my credit card. My husband DOES NOT agree to paperless and online access, so we never agreed to opt for paperless reporting and electronic statements for the checking account or HELOC. I do have online access to the checking account and HELOC information when I sign into Chase. On XX/XX/2020, I signed into my account to review my credit card transactions and to pay my bill. I was denied access to the account, with this statement, " Accept Disclosures and Agreements Please choose " Next '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. '' Since I had already signed away my right to get paper documents, I was denied access by coercion. I was presented with two boxes to check off, one of which required authorization for electronic access only for ALL ACCOUNTS : https : //static.chasecdn.com/content/dam/legal-agreements/library/en/gf_esign_la/versions/gf_esign_la.pdf. The other laid out several terms broadening the powers of Chase and diminishing my options with respect to ALL ACCOUNTS : https : //static.chasecdn.com/content/dam/legal-agreements/library/en/dsa1_la/versions/dsa1_la.pdf ... ... .... When I went to access this the following day, I was presented with this message : " Important : We can't access the agreements right now. Please sign in later to try again. You won't be able to see your account details online until you review and accept the terms of the agreements. " ... ... ... ..I did not want to check these boxes, as my husband did not want to give up the right to receive WRITTEN statements, more specifically, Paper statements. I took these actions : 1 ) the menu gave me the option to give feedback on their website. I did so, but have received no reply. 2 ) I called the Customer Contact number, where I was told the wait to talk to a representative was 50 minutes. I waited on hold for more than 111 minutes without talking to a representative ( I took a phone screenshot of the time ). 3 ) I stretched the COVID19 " stay at home '' restrictions to go to the Chase branch and try to get this resolved. After a wait of 5 minutes and then 12 minutes of talking to a desk person in the lobby, ( XXXX ) he told me to " just check off the boxes and then I'll get access. '' 4 ) I spoke to his supervisor. His supervisor told me the same thing. She also said that she thought that once I was in the account, I would be able to change my account preferences, but she was unable to provide me with that reassurance in writing. 5 ) She also stated that the bank people have to wait just as long as I would to get any resolution -- 3 hours or 4 hours on hold was likely, so I didn't wait nearly as long as she might have to. I took this as a further BREACH on the part of the Chase Corporate Policy -- to not provide reasonable options for resolving difficulties, even while putting recordings on their robo-hold that say they are happy to take the call and to " please stay on the line. '' 6 ) I asked if I could bifurcate the accounts, so that my credit card had separate access. She said " No -- that had to be done on the same phone line. 7 ) I asked what my options were -- she said that if I wanted access to my account, I would have to agree to the new stipulations. [ I did not find this acceptable ]. She offered no alternatives. 8 ) I asked if she could see my credit card statement, and if she could print it out for me. I then asked if I could write a check to pay my bill and give it to the clerk. 9 ) I then asked if this was my only alternative to being able to see my statement -- to come in to the office -- AND EXPOSE MYSELF TO THE VIRUS -- every month, in order to get a statement printed out. She said I could agree to the requirements to get past the online firewall, or call customer service and wait it out. | ||||||
| 11/01/2017 | Yes |
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| ***UPDATE *** On XX/XX/XXXX, I received the explanation from Chase that they had answered this question fully, but they have not. They are selecting different and unrelated clauses from the Card Holder Agreement in an attempt to justify the closing of the account. I never agreed to the terms the Chase is now implying, I agree to the specific terms of the Agreement. I agreed that Chase has the right to not approve a transaction ( not in dispute ), that Chase can periodically check my credit ( not in dispute ), and that the card can be closed by Chase if the account is in default as specifically stated in the Agreement ( not in dispute ). NONE of these are the reason the account was closed. Closing the account violated the agreement. I will continue to file complaints against Chase to any and all agencies I can, as well as to the company itself, and if possible will find an attorney to go after Chase. ***UPDATE *** On XX/XX/XXXX, I received the following explanation from Chase, however, in no way did this answer my questions. As their statement only confirmed my complaint. The Cardmember Agreement does state that use of the card is based on the acceptance of the agreement, and that you have the ability to not authorize a transaction, and that you may obtain a credit report for review. What the Cardmember Agreement does not state is that the account may be closed without notice for any information obtained from a credit report review. In fact, the Cardmember Agreement states the reasons for terminating the card and none of them are the reasons Chase Bank provided. Given that they have not abided by the terms of their own agreement and contract, they are in breach of the agreement and have committed fraud. We sent the enclosed letter dated XX/XX/XXXX, with enclosures, about the closure of your account. We did not advise that the decision to close the account was because it was in default. As previously explained, the reasons we closed your account were due to : Rapid increase in revolving balances. Too many requests for credit or reviews of credit. Balances on accounts are too high compared to credit limits. This account is governed by the terms of the enclosed Cardmember Agreement, which says on page 1 that Your use of the account or any payment on the account indicates your acceptance of the terms of this agreement. On page 4, the section Authorization of Transactions / Closing Your Account states that We are not obligated to honor every transaction, and we may close or suspend your account. Furthermore, page 9, under Credit Information, states that We may obtain and review your credit history from credit reporting agencies and others. We are not able to reinstate your account or remove the reporting of the account to the credit reporting agencies. Additionally, we do not offer debt forgiveness. The enclosed copies of the last three statements show that you are making payments to this account. If you would like payment assistance, please call XXXX XXXX XXXX at XXXX. They are available Monday through Saturday from XXXX XXXX to XXXX Eastern Time and on Sundays from XXXX XXXX to XXXX Eastern Time. Unless you have additional concerns, we will not be responding to another request from you concerning the closure of the account. *** Update *** On XX/XX/XXXX, I received a packet of information from Chase regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. I have reviewed the cardholders agreement and Chase is in violation of the agreement. The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that Chase may from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. At this time Chase has still not attempted to make this right or abide by their own agreement. ***Original Complaint *** I opened an account with Chase in XX/XX/XXXX. I made charges to the card. On XX/XX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus. | ||||||
| 08/07/2017 | Yes |
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| To Whom It May Concern ; XX/XX/XXXX On XX/XX/XXXX at XXXX, I received an email from Chase Bank stating that they had sent an important communication to my Secure Message Center, online or through the Chase Mobile app. The subject of the secure message was Wire Template Activated. This raised a red flag in my mind because I had not initiated a request to have the Wire Template to be activated. I sent a message back stating that I had not sent in a request and I followed up with a call to Chase Customer Service to see what was going on. My online banking was being hacked. The secure message stated that a wire transfer in the amount of {$840.00} was being sent to XXXX XXXX from my checking account # XXXX which I did NOT give authorization to initiate. XXXX, in customer service, transferred me to XXXX in the Chase Online Banking Center who supposedly sent a message to wire transfers to prevent the wire from going out, yet as we spoke, the money came out of my account right before my eyes. Now coming from 15 years in XXXX, I know that when a wire is initiated, it sits in a clearing account until the funds are sent out. This wire could have been stopped, yet was not. However, a recall was placed on the wire. Upon further transfers to other departments, wire transfer investigations and fraud, I was given a case number to reference upon calling back. That number was XXXX which was given to me by an individual named XXXX. I quickly headed to the nearest branch of Chase Bank to close my accounts and open new ones before anything thing could happen. XXXX XXXX, who worked at the branch located on XXXX XXXX XXXX XXXX in XXXX, Texas helped me to open a new checking and savings account, change all my passwords and place restrictions on the old accounts. I felt positive, yet still upset, as I walked out of the bank after 2 hours of repeating my story and the Personal Banker making numerous phone calls for me. On XX/XX/XXXX I received a credit of {$510.00} into my savings account from monies which were able to be retrieved from the bank that the wire was sent to. This amount was still {$340.00} short of the amount that was stolen from my checking account. I decided to give it more time before making follow up phone calls to Chase regarding monies I was still owed. However, I did make a few calls and was repeatedly told to give it 3-5 business days and call back. On XX/XX/XXXX I called and spoke to a gentleman named XXXX who stated I needed to open a fraud case. All along I was under the impression that when I went into the local Chase banking center where I live, that it was taken care of. I was told to call XXXX ext. XXXX and then was told to call XXXX and choose option # 2. Again, to no avail. I am told over and over that they are still sending recall notices to the receiving bank and have not heard anything from them. On XX/XX/XXXX I spoke to XXXX in fraud claims and am informed that the beneficiary account had been closed and that there was nothing Chase Bank could do to help me. I was basically out of luck and out of {$340.00} that a complete stranger, who compromised my account, stole from me. At this time, I am disappointed and angered because I am aware of protocol that is followed when accounts are compromised. For example, in the event of a debit card being compromised, paper work is filled out, an investigation ensues, and some financial institutions may or may not give provisional credit to the customer. After investigating the claims, a representative of the bank will contact the customer and make them aware of the findings. In this case, I was the one making the calls to the bank, only receiving one call from a representative. Later on XX/XX/XXXX, I received a call from XXXX XXXX, who works at the Chase Tower in XXXX, stating she had heard of my issue from a long time banking colleague of mine, XXXX XXXX. She mentioned to me that she had made another fraud claim and she would follow up with me in 3-5 days. A few days passed and XXXX contacted me informing me that, again, the beneficiary account had been closed and they were unable to retrieve the additional funds that were owed to me and that she was very sorry that they could not help me any further. I am disappointed and disgusted, to say the least, that a financial institution of Chase Banks magnitude, who pride themselves on security was unable to help me collect the funds that were stolen from my bank account. Apparently, you all have a much bigger problem on your hands because your online system is not as secure as you think it is. I would appreciate Chase Bank to reimburse me the {$340.00} that was stolen from my account. I am a single mother of XXXX children and do not have the luxury of letting this amount of money be given to someone else, that I do not know and by theft for that manner, for their benefit. Thank you. XXXX XXXX | ||||||
| 05/15/2023 | Yes |
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| I was made aware of fraudulent activity on my credit card by Chase Bank on XX/XX/XXXX. At that time, I was told that the account would be closed and a new card would be sent to me in the 5-7 days. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to inquire about receiving the new card, and my inability to log on to my account any longer to pay my bill. I spent a total of 222 minutes on the phone with Chase because I was concerned about paying my bill so that my credit would not be affected and the fact that I had not received a replacement card. At that time I was told that there had been a " glitch '' in the system and every time a card was issued to me it was immediately flagged as stolen and therefore not sent. Several people tried to re-establish my online account without success. I never received the statement for XXXX charges after repeated requests and multiple switching between departments. I finally received a new card on XX/XX/XXXX. By this time I had already obtained a card with another company. I called to confirm the card and to request to be able to see my account online so that I could pay my outstanding balance because I did not want to adversely affect my credit. At that time, I was told by two customer services reps that my card was good to go and by two others that the card was listed as stolen. I was finally sent to the fraud department who had no answer for me. I have never used the card, it has stayed in the file in my desk since I received it. Again I tried to obtain a list of charges from XXXX so that I could pay the balance on my card. I called XX/XX/XXXX ( 119 minutes ), XX/XX/XXXX ( XXXX calls- transferred between departments 8 times, put on an hour + hold twice, hung up on - spent total of 283 minutes on the phone ), XX/XX/XXXX ( repeatedly transferred between departments again for total of 80 minutes on the phone with no answer ), XX/XX/XXXX ( called 3 times and was disconnected - total phone time 15 minutes ). In response to my phone calls, I was sent copies of statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all which had been paid in full. None of the statements covered the period I was requesting... for the charges made between XX/XX/XXXX and XX/XX/XXXX - my normal billing cycle. Since I had been unable to receive an answer from Chase, I file my initial complaint with CFPB on XX/XX/XXXX. At the same time I made a {$4000.00} payment to Chase which was collected on XX/XX/XXXX, since I have been worried about adversely affecting my credit. I have never denied owing the company money. In fact, I have been trying to pay what I owe since XXXX. However, I would like to see the charges associated with the {$4800.00} balance they claim that I owe from XXXX to ensure that there are no other fraudulent charges. The only statements that I have received list the fraudulent charges from XXXX four times and a total owed of {$4800.00} or a letter that the statement is unavailable. As a result of my complaint, I heard from Chase executive offices on XX/XX/XXXX. They too sent me copies of statements from XXXX, XXXX, XXXX and XX/XX/XXXX that had already been paid in full, and then statements for the new year which only have a total and a list of the fraudulent charges. I requested on multiple occasions for the charges on the account from XX/XX/XXXX through XX/XX/XXXX that would comprise the total of {$4800.00}. I called Chase customer service and Executive offices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, requesting the information again or responding to customer service because I had not made a payment... which customer service was unaware that I was working with the Executive Office. After finally receiving the last batch of statements which did not include what I had requested ( charges for XX/XX/XXXX through XX/XX/XXXX ), I called the executive office on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The final conversation with this office was that I needed to contact the fraud department because they did not have what I was requesting... essentially sending me back to the beginning where I started in XXXX. I have no problem paying Chase what I legitimately owe them. However they need to provide the charges for which they are asking me to pay. I would like to be able to review the charges to ensure that there is not any other fraudulent activity reflected. I have made a good faith payment to the company, and they have not reciprocated that good faith by providing what I am requesting... essentially expecting me to pay for charges that they are unable to substantiate. I have spent over 10 hours on the phone trying to contact this company to make a simple request so that I might be able to pay what I owe and then close my account and not do business with them any longer. | ||||||
| 09/29/2022 | Yes |
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| Chase continues to enact double standards in the frequency and rapidity with which it levies charges on my credit cards and the delays, denials and other obstacles it imposes on crediting the same cards for the very expenses it so quickly levies against any card. This is a persistent, constant problem that I have reported repeatedly to the CFPB ; yet the problem of phony fees and delayed and denied credits persists. My XXXX payment on my Chase XXXX XXXX card was due on Sunday, XX/XX/XXXX. Yet Chase prohibits any payments through its electronic bill payment system, even to its own credit cards, on XXXX. When a due date on a credit card falls on a holiday or when a bank such as Chase refuses to process computer driven, electronic payments, even to its own accounts, Chase should be required to allow the payment to be made on the next day that Chase will permit the payment. Chase should not be allowed to be closed for crediting electronic payments to its accounts on the same days that it remains open for levying debits. Yet this is exactly what it did for my XX/XX/XXXX payment on this credit card which fell on a Sunday. Nevertheless, as is its predatory habit, Chase refused to process an electronic payment from my Chase checking account to my Chase credit card, on Sunday, XX/XX/XXXX, while it quickly levied a {$27.00} late fee to the card. This predation characterizes Chases credit card debits and credits, and has for years. Further examples of Chases recalcitrant double standards concerning the speed and alacrity with which it levies charges compared to credits follow. In view of its decades-long debit-versus-credit hypocrisy, please force Chase to credit lost merchandise immediately when it is not delivered to the address on a purchase order and I report that I have not received it. I should not be held XXXX to any problems whatsoever that XXXX has getting things delivered to addresses that are provided with detailed delivery instructions at the time an order is placed. This should be the case even more when the same, recurring delivery problems have been reported to XXXX repeatedly and the problems persist, as has been true with my Chase XXXX XXXX card. Chase habitually refuses to credit charges for merchandise not received, but charges my card for the same merchandise immediately before and when merchandise is not received. The following XXXX orders were not delivered to the address as provided and instructed on each of the orders : # XXXX, placed XXXX XXXX, XXXX, for {$21.00} # XXXX, placed XXXX XXXX, XXXX, for {$13.00} # XXXX, placed XXXX XXXX, XXXX, for {$17.00} # XXXX, placed XXXX XXXX, XXXX, for {$17.00} When I talked to Chase about this, I was told that most of these items will be issued only a temporary credit, and then only after several days have passed. To date, only 3 of the 4 credits have been issued at all. This is intolerable. In view of the enormous theft by XXXX and its banker ( Chase ) for undelivered merchandise, nationwide, and in view of Chases long-standing habit of levying late fees and penalties quickly on the same days that it refuses to process pre-scheduled, regular, electronic payments, Chase should not be allowed to charge for any XXXX ( and other similar ) merchandise before it is received. Shipping charges only should be levied to my Chase credit card before merchandise is received, once it is actually sent, and immediately reversed if the merchandise is never received at the delivery address in a timely and reasonable period. I should not be charged for items I never possess. A long-overdue national standard is sorely needed for any merchant and bank getting paid for merchandise in the form of so many, and proliferating in an uncontrolled manner, pay-now-get-later scams and interest free loans extracted from consumers who are confronted with the need to claw back payments tied to habitual lies about delivering items as instructed. Most so-called XXXX XXXX orders are not delivered within 2 days of placing the order or of merchandise being shipped, either one. There is such routine, widespread falsification of delivery, shipping and handling facts, that Chase should not be allowed to charge anything to my credit card unless and until I have the promised item in hand, at the address according to the delivery instructions that I enter on the purchase order. Unless XXXX can provide my signature to Chase as proof of delivery for any particular item, Chase should not be allowed to levy any charge for any pay-now-get-later merchandise. A uniform, nationwide standard is needed to protect me and all consumers from the predatory free-for-all by XXXX and other merchants in concert with their bankers that occurs now. Whatever the CFPB may have done heretofore about these problems has not stopped the open-season predation on consumers that occurs now. | ||||||
| 02/04/2019 | Yes |
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| Main Complaint : Chase Banker lied about CD penalty and withheld the last page of the printout ( which discloses the penalty for withdrawing money before the CD comes to term ). On XX/XX/2019, I walked into the Chase Bank on XXXX XXXX XXXX in XXXX XXXX to update my CD. I update my CD regularly so I am familiar with the procedure. However, on this occasion the banker behaved unethically, and possibly illegally. Everything was normal until she mentioned that CD interest rates had gone up. She started to try and get me to extend my CD term from 30 days to 9 months to take advantage of the new interest rates. I politely declined. I was used to bankers trying to get me to extend my term but she pushed further than most do. She stated that it was okay to take a longer term CD and that if I wanted to get my money earlier than the date of maturity, it wouldn't be a problem. She said that I can break my term and my money will be okay. She explained that the bank will only take money from the interest they would have payed out for a full term. She said that I would still keep any interest I made up until the time that I break the CD. She then explicitly said " There will be no penalty '' which struck me as odd. I'm not sure if Chase only takes a penalty from the interest they would have paid out, leaving the principle untouched, but the way she said " There will be no penalty '' was misleading. She was down playing the consequence to encourage me to extend and then break my CD. I kept politely declining and saying that I was fine with keeping the original length of my CD term. She finally ended with " the bank is making money off of you '' as a last attempt to change my mind. I replied that the bank making money off of me is fine just to get her to move on. Normally, once the CD is renewed, I get a print out with information confirming the new agreement. However, when this banker handed me the printout of my updated agreement, she left out the last page ( which outlines the penalties for early withdrawals ). Thankfully, the first page ended with the title of the disclosure in bold, so I knew what information was missing. I think this is unethical at best and illegal at worst. Customers should have access to full disclosures to be able to make well informed decisions. Sub-complaint : Chase Banker made irregular and incorrect transfers During the CD update, I asked for {$300.00} to be transferred from my savings, with {$100.00} put into my Checking and {$200.00} put into my CD. She repeated my request to me confirming the amounts going to each account and I said yes. I hadn't noticed that anything was wrong at the time because the paper with the new agreement had the right amount of {$200.00} added to the CD so I thought everything was okay. However, when I went to an atm later that week, I saw that my checking account was off. It had too much money. Today, I signed on to online banking to try and figure out the discrepancy. I saw that the banker had transferred different amounts than she had originally confirmed. She was supposed to take out {$300.00} from my savings but instead she took out {$500.00}. She did so by making two transfers : {$200.00} to the CD ( which was okay ), and {$300.00} to my checking ( which was more than I had asked for ). This {$500.00} withdrawal put my savings below the account balance minimum, opening me up to penalties. In addition to putting my savings below the minimum balance, she made two withdrawals from my savings knowing that I would be penalized if I made more than three withdrawals from my savings within a given period. Normally, bankers will make one withdrawal from my savings to my checking, and then take the amount from my checking to my CD, so that there is only one saving withdrawal on record. However, she made two savings withdrawals, and for the incorrect amount, opening me up to penalties. In conclusion, I believe all four of her actions are unethical : 1. saying there was no penalty for breaking my CD 2. withholding the full last page that disclosed the early withdrawal penalty 3. taking two savings withdrawals to push a penalty and 4. taking out the wrong amount of money to push a penalty I want to file a formal complaint because I don't want other customers to be hurt by these unethical practices. However, I am not mentioning the banker 's name in this report because I don't want her to get into trouble if she is getting pressure from her supervisors to behave in this manner. If there is an investigation, I want it to be into the wider institutional systems that encourage such unethical practices. I will go into the branch later and talk to the branch manager but I wanted to file a formal complaint as quickly as possible as I don't know if and when I would be able to speak to the manager without her being present. | ||||||
| 07/15/2021 | Yes |
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| My husband and I applied for a home loan refinance with Chase on XX/XX/2021. The initial application process was fairly smooth. The following day, Chase sent me a notification that my husband owns an " undisclosed property '', and they requested documentation to prove that he does not own it. The property in question belongs to my father-in-law, who shares the same name as my husband. I immediately sent to Chase documentation showing that my husband is trustee for that property, but we do not own it. The property is in another county from my home that I'm trying to refinance. The next day, I received a notification that Chase could not process the loan because my home is in a trust. My home has never been in a trust. They just took the documents I sent them about the " undisclosed property '', didn't read them, and tried to reject my loan on a completely bogus basis. I pulled the deed from the county and sent it to them, showing that the house is titled in our names, and explained that the trust is for a completely different house, one which they had asked me to prove I don't own ... At this point I requested via email to change title companies, because I thought XXXX had made this error with the trust ( in hindsight, it's probably all Chase 's fault ). It took a full 3 weeks for anyone to acknowledge this request, at which point they told me I'd failed to fill out a form that they never sent me. I chose a title company I've worked with before, that's right down the street from my home. This was also the point at which XXXX XXXX began going out of town for multiple extended periods. She would have different random people email me to tell me that my house was in a trust. She would never answer the phone. After a full month, Chase finally conceded that my house was not in a trust. On XX/XX/XXXX, I received what would be the first of 4 Closing Disclosures. Despite all the wrangling and paperwork, XXXX was still erroneously listed as the title agent. On XX/XX/XXXX, XXXX XXXX called me and told me that my closing had been scheduled for XX/XX/XXXX at XXXX at my home. I questioned this, and reminded her that the title agency is right down the road. Ms. XXXX assured me that if there were any changes, she would call me. At that point, Ms. XXXX called XXXX XXXX at XXXX XXXX and asked how much it would be for them to send me a remote notary, and they replied {$200.00}. Ms. XXXX told them not to do that, and never made any further contact with Closed or with me. She uploaded an updated closing disclosure that still showed all fees going to XXXX XXXX. The closing appointment for XX/XX/XXXX came and went. Ms. XXXX was again absent from work, so I had to call her supervisor, XXXX XXXX. The supervisor assured me he would take care of it himself. I asked that Ms. XXXX no longer be on my case. Unfortunately that plea fell on deaf ears. At this point, XXXX XXXX became very responsive, calling me several times to set up a new closing date. She intitially sent me a date without clearing it with XXXX XXXX, so it had to be moved. We settled on XX/XX/XXXX at XXXX. This communication occurred on XX/XX/XXXX, so Chase had 6 days to send documentation to XXXX and send me a closing disclosure. Neither ever happened. My husband and I arrived at the title office at XXXX this morning to be informed that they had been blowing up Chase by phone and email since the previous day, and they had received nothing. No XXXX. No updated payoff. Nothing. We went home. Four hours later, XXXX XXXX uploaded a closing disclosure to the online portal. Four hours AFTER the closing was scheduled to take place. At this point, Ms. XXXX sent me an email and tried to blame the delay on XXXX XXXX, stating that Chase had sent them everything and they were just waiting to hear back. The payoff amount listed on this disclosure was almost identical to the amount from one month prior, even though I have made one regular payment and one extra principal payment since then. I requested my own payoff letter from XXXX, and it is for roughly {$3000.00} less than the closing disclosure amount. How many customers are they jacking up loan amounts on by inflating the payoff figure? XXXX worked feverishly throughout the day today to try to gather all the documents from Chase, but Chase did not deliver before close of business. Now my husband and I will be taking off a THIRD day from work next Wednesday. I still have no confidence that Chase will deliver the appropriate documents to XXXX in time for next week 's appointment. Fortunately I have been able to work remotely, and so did not lose any wages from these repeated missed appointments that Chase sets up and never follows through on. My husband, however, is currently out {$750.00} for two lost days of wages, and the work hour loss caused him to miss out on overtime pay this cycle. | ||||||
| 05/06/2019 | Yes |
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Web | Older American |
| On XX/XX/XXXX or XX/XX/XXXX, I received a voice mail message from an alleged computer repair company, telling me if I didn't contact them that day, another year 's subscription would be charged to my credit card, of {$290.00}. I've signed up with these companies in the past, so it was possible that they were legitimate. I called them ; they said I had a {$200.00} refund coming. They asked for me to allow XXXX access on my computer so they could do a final " repair '' of my computer and delete all the viruses, etc. I'd done this before with other companies, so I allowed it. They said they couldn't credit the {$200.00} to my credit card so I allowed them to credit the {$200.00} to my checking account. During that process, " accidentally '' the sum of {$20000.00} had been deposited into my checking account by their company instead of {$200.00}. I was shown the sum which was actually in my checking account. The man I was talking to, XXXX, phone number XXXX, said there was a mistake and asked me to go to my credit union and wire them {$19000.00}, to JP Morgan Chase Bank, to the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ; Account No. XXXX because they had accidentally overpaid me from the {$200.00} they said I had coming. I did so. All this time, over about a week 's interval, the company XXXX allegedly worked for was supposedly working on my computer ; I was asked a number of times not to get on it while they were working on it, and a couple of times I was told I could get on it but not to do any banking because my security software wasn't up to date, which was true. So I never checked my savings account. The first wire transfer was XX/XX/XXXX, for {$19000.00}. On XX/XX/XXXX, XXXX called me again and said his company had made another mistake and had accidentally paid into my checking account two deposits of {$20000.00} each, which amounts should have been paid to another of their creditors. He again showed me the page in my checking account on the computer and sure enough, two deposits of {$20000.00} had been made in my checking account. He asked me to again wire transfer to JP Morgan Chase the sum of {$39000.00}, which was done on XX/XX/XXXX. I still have the wire transfer documents, if that will be of any assistance. All this time, they were using XXXX to access my savings account which contained over {$64000.00} ; they were transferring MY money in {$20000.00} increments into my checking account, making it look like THEIR money was being deposited into my checking account. On XX/XX/XXXX, I looked at my bank accounts and discovered that {$60000.00} was missing from my savings account and those were the three deposits of {$20000.00} that had been transferred from my savings into my checking account. I texted XXXX and he said he would check into it and get back with me. I never heard from him again, naturally. I went to my bank ( credit union ) and told the lady what had happened - she was the person who did the wire transfers for me. She tried to retrieve the money that was transferred but was unable to do so. She closed my accounts and gave me what was left in a cashier 's check. I called JP Morgan Chase who called me a couple of days later and said since I had voluntarily wired the money, and the account was closed, there was nothing they could do. It seems to me that if someone has an account at a bank, and that account is used for theft, that the account holder should be held responsible. If the account holder can't be held responsible, it seems that the bank should be held responsible for allowing money to be stolen from innocent people. Of course, all of this is done over the phone so there's no way to verify the truth of what I'm saying - all I have is my word. None of the texts are incriminating. I've tried to contact an attorney about this, since my research indicates a Regulation E which may cover my losses to some extent, but have had no luck contacting an attorney yet. I'm still working on this. I was also contacted the same day I discovered the transfers from my savings account by someone named XXXX XXXX, who claimed he was with the FTC and would be able to get my money back for me. He gave me a complaint number, which was nothing like the complaint number I got when I filed a report with the FTC. His number is XXXX. I called the FTC and left a message to try and confirm if this person actually worked for the FTC, but I never received a call back. I filed a police report, also, and the police told me not to speak with anyone else about this matter if I couldn't verify who they were. I've also talked to the FBI. So far, no success. I'm still praying that I will get my retirement money back so I don't have to go back to work. I'm XXXX years old, and this is my living money - I need it back! If I have to file suit, I will do so. | ||||||
| 10/01/2021 | Yes |
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| My husband and I were victims of wire fraud amounting to {$70000.00}. Here are the details of what transpired. We were in the process of making a home purchase. We are working with a realtor, a title company, and a loan company. The house in question is located in California. We were in constant communication with title company via email. We were able to successfully wire transfer Ernest funds to the tile company before using Chase. On the evening of XX/XX/XXXX ( XXXX ), we received an email from the title company containing estimates and informing us that a mobile notary will arrive the same day for signing the closing documents. In the same email, they mentioned that we will receive a separate email shortly with all the details. At XXXX, we received another email confirming the time the mobile notary will arrive at our current address. We can verify that all communications up until this point were from the real title company. We did not receive any wiring information from the mobile notary and the notary mentioned that wire instructions may come to us directly from the title company as well. As soon as we signed the documents, we sent a follow up email at XXXX to the real title company informing her about a tax form that was incorrectly given to the mobile notary. On XX/XX/XXXX at XXXX, we got an email response to our existing email thread with the title company saying that they had switched banks due to bad cheques and they attached updated wire instructions. This email was from a fake title company whose email address off by one letter. In this email, fake title company told us she was closing all day and we are to email her as soon as everything is confirmed so that our closing does not get delayed. The attached wiring instruction was to another Chase account and unknown to us, it was for someone random, not our title company. At around XXXX, we went to Chase bank to complete the wire transaction for {$70000.00} and made sure to include the title company 's name as the 'Account Name ' for the wire. At XXXX, my husband sent pictures of the wire transfer receipt which contains my drivers license, date of birth and most of my account information. At XXXX, fake title company responded confirming receipt and saying that everything is on track for closing. On XX/XX/XXXX at XXXX, fake title company responded confirming the emails. That same morning, we got a call from our lender that the title company did not receive our funding. I called the title company and talked to the real person who said she didnt receive funding and the email confirmations were from someone else and that we need to call the bank right away. We went to a local Chase bank and informed them of the situation and they froze the receiving the account. We were told to contact phone/online support for a wire recall. After attempting to call and being re-routed multiple times to the Wire Research team, which is closed for covid, we were told the only way to reach them is online through secure messages. Even then, we were re-routed to calling a number, which again led to an automated message saying they are closed due to covid. Ultimately, I responded to the secured messages saying that I need to reach the team via messages ; however had not received a response by this time yet. We filed a police report on XX/XX/XXXX. On the same day, we went to the Chase branch from where we sent the wire from since we did not get a proper response from secure messages online. The branch manager checked all of the latest information, which indicated a case number was created for us regarding the wire investigation. The manager assured us that we were taking the right actions. The branch manager mentioned that since the 'Account Name ' did not match the account holder, the wire transfer should be flagged and bounced back even without us placing an investigation case. We checked on the case information today ( XX/XX/XXXX ) and customer support agent mentioned that we are at fault for sending to the wrong account regardless of whether the account name matches or not and that the courtesy wire recall did not work. We explained we were victims of fraudulent emails and received wrong wiring instructions, but the agent said there was nothing the agent could do. We do not have any details on whether the money is fully in the recipient 's account or any details regarding the investigation. Contrary to what the agent told us, we got a response from secured messages saying the recall is still in process ; however this message is from the Retail Wire Service rather than the Wire Research team ( which is where everyone was attempting to re-route us to ) and provided no details as to when we can expect a resolution. We don't even know if the investigation was properly conducted and if the recipient 's account remains frozen ( as it should ). | ||||||
| 03/03/2020 | Yes |
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Web | Older American, Servicemember |
| Filed attached Complaint on XX/XX/XXXX, alleging that JPMorgan Chase and Company operated an illegal, unsanctioned subprime lending boiler-room from XXXX to XX/XX/XXXX in a XXXX Branch Office located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Chase Lending Specialists employed at this clandestine direct-marketing boiler-room " created '' XXXX conventional home mortgage loan applications and seven FHA/VA/FSA-RHS home loan applications, resulting in 175,497 non-conforming subprime and Alt-A home mortgage loans to financially-distressed consumers ; many of which resided in high-poverty, inner-city MSAs/MDs. In XX/XX/XXXX, the remainder of the 175,497 consumers who had not had their " Toxic Mortgages '' foreclosed, or had been to accept short-sales, or had not abandoned their homes ; were further scammed and/or disenfranchised by Chase by being denied their rightful share of the $ XXXX Consumer Relief Provision which was to provide " restitution '' to consumers who had been harmed by the fraudulent and/or criminal actions of JPMorgan Chase Bank, N. A. This " restitution '' was part of the DOJ 's Settlement of the $ XXXX Chase RMBS Trust Certificate Lawsuit XXXX in which JPMorgan pled guilty. XXXX XXXX XXXX was only one of the XXXX consumers " Harmed '' by the Predatory Lending, Mortgage Loan Fraud, Racial Discrimination/Racial Profiling practices of JPMorgan but since XX/XX/XXXX both JPMorgan Chase Bank, N. A. has refused to acknowledge that she was just of the victims in what was undoubtedly the greatest fraud/scam in United States history. CFPB Complaint Number XXXX included a complete description of the alleged criminal actions against all XXXX consumers victimized by Chase, however, the response to this complaint only reference six previous letter for JPMorgan that was the basis of Chase 's response to this CFPB complaint. On multiple occasions, we have requested copies of these " smoking guns '' letter via Email but JPMorgan Chase Bank, N. A. has block our Email address since XXXX and is rejecting our request for copies of these six letter. See more below : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 1. COMPANY 'S INTERIM RESPONSE Two Weeks Later : XX/XX/XXXX Chase Interim Response : Were still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience. 2. COMPANY 'S RESPONSE Five Weeks Later : XX/XX/XXXX Chase Final Response : We understand your inquiry is of great importance and you wish a particular outcome. We are committed to service excellence. We have reviewed this matter multiple times and sent you several responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have not enclosed copies of these letters, but they are available upon your request. We consider our position to be reasonable, accurate and final. 3. Email Message Sent by Consumer to Member of Chase Executive Office Requesting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Dear XXXX XXXX, Chase Executive Office, I apologize for imposing on your busy schedule ; however, you were the last contact Chase assigned to this long-standing complaint. As you can see by the attachment entitled : Block Email Message Sent to Chase Executive Office - Mortgage Escalation Department ( Regard CFPB Complaint XXXX ), the Chase Email server has blocked all Email messages from me, and it is critical that the Email message shown below be delivered to the manager of this group ASAP. ( Urgent : Pending Foreclosure Action Schedule XX/XX/XXXX. ) 4. Rejected Email Message from Consumer on XXXX XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : RE : Request for Assistance from Mortgage Servicer of XXXX Loan Number XXXX, and Chase Loan Number XXXX. Sat XX/XX/XXXX 5 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : RE : STILL AWAITING FOR PROMISED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX Loan Number XXXX, and Chase Loan Number XXXX. ) Tue XX/XX/XXXX 6 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : FW : LONG AWAITED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX Loan Number XXXX, and Chase Loan Number XXXX. ) XX/XX/XXXX 7 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : LONG AWAITED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX Loan Number XXXX, and Chase Loan Number XXXX. ) XX/XX/XXXX | ||||||
| 07/11/2022 | Yes |
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| On XX/XX/22 I was in XXXX XXXX and used an ATM in one of the Casinos with the intention of withdrawing {$500.00} using my debit card. These particular ATMs ( run by XXXX ) have multiple options for withdrawing cash, including a cash advance option as well as regular withdrawal options. I inadvertently selected the cash advance option and the machine immediately spit out a ticket with the amount of the cash advance requested ( {$500.00} with a {$24.00} fee for a total of XXXX ) and the ticket said that I would need to collect this from the cashier at the Casino. I went to the cashier and asked about this and was told that this transaction will void out of their system within 24 hours if the money is not collected. I went ahead and did not claim the cash advance and assumed the charge would fall off my checking account within 24 hours. The next morning I noticed it was still there, and I placed a call to Chase to inform them of the situation, they said it was still pending at that time and that I shouldn't worry for now. I got home from my trip and checked my bank account and noticed that the charge changed from pending to posted. At this point I placed another phone call to Chase, again explaining the situation, and they said they would go ahead and open a dispute. On XX/XX/XXXX I recieved a message from chase 's dispute team that said " We found the transaction ( s ) was processed according to the information you provided or was authorized. ", they denied the claim. I called them immediately to find out what happened, they couldn't give me any information regarding what actual " research '' they did. The rep over the phone went ahead and reopened the dispute, and a few days later on XX/XX/XXXX it was again denied. I went ahead and placed a phone call to XXXX, the ATM manufacturer, and after giving them my debit card number they were immediately able to find the transaction in question, and confirmed with me that the money was never actually collected, and that the transaction was reversed 24 hours after it was initiated. I called Chase back and explained this new information that I had obtained and they agreed to open a new dispute, on XX/XX/XXXX that claim was denied. I waited on hold for about an hour and a half to speak with a supervisor regarding this situation, and when I finally got connected I spoke to a lady that was extremely rude and dismissive, who told me it was my job to call the ATM manufacturer and that I should get my money back from them, and that Chase is not responsible. Granted yes, I was a little frustrated over the phone, but the way I was treated by that supervisor was incredibly unprofessional, unhelpful, and to top it all off she hung up on me after she got tired of me trying to explain the situation to her. I called XXXX back and asked if Chase disputes had contacted them directly to inquire about this transaction, to which they said no. How is it that Chase can claim they " researched '' anything when they didn't even bother to make a simple phone call to XXXX to find out more information about said transaction? Doing so would have easily revealed to Chase that the transaction was indeed reversed by XXXX. The XXXX rep I spoke to over the phone suggested that I contact the XXXX Disputes team so that I could obtain the proof of transaction reversal to submit to Chase. The rep even mentioned how odd it was that Chase had not credited back my account yet. I received an Email with the attached proof of reversal on XX/XX/XXXX, and immediately went into my local Chase branch so they could help me fax this document. The teller at my local Chase branch wrote down the two claim numbers associated with the disputed transaction and faxed it off. I made several phone calls to Chase regarding the status of the review of this document between XX/XX/XXXX and today, XX/XX/XXXX, and each time I called the person I spoke with would tell me that it takes a few days to review received documents and that I should check back in a couple days. One rep even told me that they could see that the document was received but that it had not been verified yet. Again today I called to find out the status as I had not heard anything from Chase. Much to my frustration the rep told me the document was never received and instructed me to again fax the document. I reluctantly and begrudgingly went into my local chase branch again today and had them re-send the same document that was already sent almost 2 weeks ago. At this point, I am just so tired and beyond frustrated in waiting for this seemingly simple issue to get resolved. I have banked with Chase for years, have never missed any payments, have never had a reason or need to dispute a transaction of any kind, and I am in complete disbelief and how poorly I have been treated by them the one time I actually have an issue. | ||||||
| 04/10/2018 | Yes |
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| Our home has been on the market for a year. Got cash buyers. During closing process we learn that our mortgage, which was pd off in XX/XX/XXXX, was never released. Called Chase on XX/XX/XXXX. Yes, it was paid off in XX/XX/XXXX, I was told but this will take 7-10 days to get release. I explained closing is.scheduled for XX/XX/XXXX and we have a cash buyer. Was told this rep ( XXXX XXXX ) she would " escalate '' it and hopefully only 5 days instead of 7. I call onXX/XX/XXXX to check status. Still in review and then must go to attny dept for 48 hours. Still a chance to get by XX/XX/XXXX I am told. Call XX/XX/XXXX and.talk to XXXX who tells me, twice, yes the lien has been released and a copy to be faxed to abstract co original will be put in mail on Tuesday XX/XX/XXXX. I call XX/XX/XXXX and now I am told not only is release not ready but there is a bank called " XXXX XXXX XXXX XXXX '' on my lien who must sign off on it also. Who is XXXX XXXX and how did they get on our lien I ask. Never heard of XXXX XXXX, never received a bill from XXXX XXXX and never paid them any monies. Chase rep XXXX XXXX had and to this date Chase has no explaination on this. XXXX states will send XXXX XXXX the info. I request phone # of XXXX. from XXXX who replies " I dont have it but I will get in touch w/ them right now and call you back this afternoon. No call back. In doing research online I find that XXXX merged with.XXXX XXXX. Apparently XXXX, XXXX XXXX Executive Office, doesnt know this. Dozens ( not an exaggeration ) of phone calls on XX/XX/XXXX to Chase and Chase refuses to give me phone # or the name of person XXXX XXXX that they assure me and assure me has the info and is taking their time getting it back to Chase. I, myself, call XXXX XXXX and get vmail for a XXXX XXXX. I send her an email. XXXX states she us out for Personal day but will call back asap.Then on XX/XX/XXXX at XXXX XXXX XXXX XXXX calls. I answer and put it on speaker phone so witnesses can hear. XXXX XXXX, Executive Officer for Chase states to me. " the lien has been released and has been sent to the XXXX ( she.mispronunces it ) county courthouse electronically ". Its already been sent I ask. Yes XXXX replied.but sometimes it takes county courthouses 24 hours to process. She tells me she will call back on XX/XX/XXXX and if I need a copy she will send to me. I call to verify the next day. Find out my county doesnt do electronic and when I finally get someone from Chase to call me back I am told she lied. This was on XX/XX/XXXX. On XX/XX/XXXX Chase recieved the certified letter w/return receipt I sent stating that per Oklahoma law in XX/XX/XXXX they had 60 days to file my release. Once they received my letter they have 10 days to get me my lien or be fined {$100.00} day. I, myself, reached out to XXXX XXXX on XX/XX/XXXX and found out Chase had lied the week before when I was told repeatedly that Chase had " reached out to XXXX and was waiting for XXXX XXXX . Chase NEVER got in contact with.XXXX until XX/XX/XXXX. Yet another lie. More phone calls to Chase. Almost 80 phone calls logged XX/XX/XXXX to XX/XX/XXXX to Chase. XXXX XXXX emails me that all they need is a " prepared assignment " from Chase and they will gladly sign off on it. They have informed Chase of this to no avail. I make more phone calls and literally beg Chase to send the prepared assignment. Not only are my buyers ready to back out i have no income can not pay my electric bill due XX/XX/XXXX. XXXX emails Friday XX/XX/XXXX. They have received the " prepared assignment '', signed it and are.XXXX ing overnight. XXXX supplies me with XXXX tracking #. Chase bank received the prepared assignment in their XXXX, LA location before XXXX XXXX. Since this had been going on for 20 days I requested Chase XXXX to my abstract co so it would be there today and I would not loose my buyer. I called today. I am now up to 97 phone calls to Chase since XX/XX/XXXX and I was told by XXXX XXXX ( newest case worker ) that the " prepared assignment '' was " incorrect '' and now must be sent back to XXXX XXXX for new signature. " We dont know how long this will take. It depends on how long it takes for XXXX to send it back ''. I asked XXXX how it would be sent to XXXX. She informed me did not know and is not sure she can even provide it to me at a future date. So here I am. About to loose cash buyers for property that has been on the market for a year because Chase did not file my release in XX/XX/XXXX as they were required to by law. XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX These are the main people. I have called lien dept directly. They are only customer service but some of the people are.XXXX XXXX XXXX and XXXX. To date today XX/XX/XXXX I have phoned Chase over 90 times. Been flat out lied to at least 4 times and still can not get my lien release. | ||||||
| 10/16/2023 | Yes |
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| XX/XX/2023 At approximately XXXX CST I received a call from Chase Customer Service XXXX XXXX. A man, who said his name was XXXX, was calling to ask if I had made a recent purchase with my debt. I had, that morning, placed an order on XXXX, using the debt card. He said my account was hacked with multiple attempts to extract moneys. A {$2000.00} XXXX transfer attempt, then wire transfers ; one for {$25000.00} and another for {$16000.00}. XXXX stated we would need to do a reverse wire transfer. And, since Chase only allows one wire at a time, we would have to do this on Monday, XX/XX/XXXX as well. XXXX repeatedly stressed everything was OK, but that I had to stay on the line to complete the wire. On the phone, XXXX walked me through how to set up a wire account on the Chase banking sight. On the phone, XXXX walked me through setting up the reverse wire, first for {$25000.00}. There were no pop ups or warnings from Chase regarding fraud. After serval minutes, the first wire went through. We were on the phone for another hour to confirm. XXXX said Chase would cancel my debt card and send a new one by Tuesday, at the latest. During this time, XXXX assured me I would not be financially penalized for the wire, all fees would be canceled and all moneys would be returned by Thursday, XX/XX/XXXX. Towards the end of the call, he kept saying how important it was I keep this to myself, lest I blurt out my account info and another hack occurs. He ended the call by confirming he would call back later in the afternoon, just to confirm At approximately XXXX CST XXXX the Chase Customer Service called again. It was XXXX to confirm the wire, restate the privacy request, and provide his badge number # XXXX. He said he would call back Monday, XX/XX/XXXX at XXXX CST for the second transaction. Having been made to feel very embarrassed and scared by XXXX, I did not share this situation with anyone. XX/XX/2023 At approximately XXXX CST, XXXX called again from Chase Customer Service XXXX XXXX. We went over the same wire transfer procedures, this time for {$16000.00}. XXXX was more aggressive about knowing how scared this must be, but that everything would be fine by Thursday morning. We got disconnected during the call, but XXXX called right back, from the Chase Customer Service number. He said he would follow up in the afternoon. At approximately XXXX CST, I received a call from a XXXX XXXX. It was XXXX confirming the transfer and said he would follow up on Thursday, XX/XX/XXXX. XX/XX/2023 I had not received a call from XXXX, nor had the moneys been put back in my account. I call the Chase Customer Service ; XXXX, at approximately XXXX CST. It was during this call I received I had been scammed as there was no record of wires, fraud, and any malicious activity on my account. I went through, step-by-step with the real Chase Customer Service representative and we began the process of opening a fraud complaint. During this call, the rep canceled my debt card and put a freeze on my checking account. She then told me I should go to a XXXX branch to officially close the checking account and open a new one. The rep then transferred me to someone else to set up additional security measures on my account. This included : Changing my online user name and password Requiring reps ask for a verbal password, to confirm it was me calling The restriction was placed on the old checking account, barring moneys in or out Once I finished the call, I proceeded over to my local XXXX branch at XXXX XXXX XXXX, XXXX XXXX, IL XXXX. At the branch I : Officially closed the checking account Opened a new checking account o This included paperwork with the new account number and documentation for Direct Deposit changes to the new account Confirmed the older account was restricted At approximately XXXX CST XXXX I called the local Oak Park police station and requested to file a police report. They took my information down and said an office would call back within an hour. At approximately XXXX CST XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX police station and took my fraud report. He informed me I could request a copy by submitting it online, through the village website. At approximately XXXX CST, a call from number XXXX came through. I did not answer. They called again XXXX minute later and I answered. It was XXXX checking in. I took a screenshot of the number. He reassured me the moneys would be returned, but said not to share this situation with anyone. I immediately called both XXXX Customer Service and the XXXX XXXX police to inform them of the ongoing fraud and now harassment. ChasXXXX said they would enter the info into my fraud case file. I was not about to speak with XXXX XXXX, but was transferred to his voicemail and left a message about the call, including the XXXX phone number. | ||||||
| 10/21/2018 | Yes |
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| I am filing this dispute as non-compliance with UDAAP. I have been a long time client with multiple accounts - both deposit and credit card accounts - and feel this should be investigated and handled better. Instead, their lack of concern and knowledge to ensure their system ( which has a guarantee they list on their site ) accurately calculates the amount of time a check would require for mailing via USPS during non-peak times, which leads to their customers incurring fees is unfair and deceptive. We trust their knowledge and their word, so if they can not properly estimate the dates, they should not be listed. Additionally, if they are not willing to adhere to the guarantee they themselves have published on their site which states they will reimburse their customer for any fees incurred, they should not publish one - especially given the guarantee is referencing the date which is calculated/assigned by their system. Now that I am trying to keep them to their word, after having trusted them with my money, they refuse to make it right and blame it on other parties. I have attached proof of payment which notes 1. the dates which the payment was sent and expected to arrive, 2. the copy of the submitted check, 3. the payee system 's stamp of receipt ( 2 days after the Deliver By date I assigned ). And lastly, I attached screenshots of their site 's guarantee for the Bill Pay service. For the last 2 month 's, I scheduled my monthly payment for a store credit card via Chase 's Pay Bills function. The system notified me the payee is not set up for electronic payment and would require a paper check to be mailed ; therefore, the funds would be drawn from my account several days before the due date to allow 5 business days for the check to arrive at the payee. The system allows you to select the Deliver By date, and will automatically populate the date for which it will pull the funds from my account. I always set the Deliver By date for the business day prior to the statement 's due date. However, the payee has noted both XX/XX/XXXX and XX/XX/XXXX payments arrived the day after the due date ( 2 days after the assigned Deliver By date ) causing my account to accrue late fees, interest charges, and other fees that would have otherwise been avoided had Chase adhered to their promise. I trusted them and their system to ensure my payments I designated would arrive on time given you are able to assign a Deliver Date and the system calculates the Send On date. Instead, that trust in Chase and the Online Bill Pay they advertise and steered me to has led to me being required to pay additional monies for their failure to adhere to their Online Bill Pay Guarantee. I have been charged late fees ( {$3.00} charged in XXXX + {$4.00} charged in XXXX ), interest ( {$1.00} charged in each month ), and other fees ( {$0.00} charged in XXXX + {$0.00} charged in XXXX ) due to these 2 payments I scheduled through Chase 's Pay Bills function arriving 2 days after the scheduled Deliver By date. Therefore, I am asking to be reimbursed for the these amounts. I logged into my store credit card 's site early this morning ( XX/XX/XXXX ), around XXXX XXXX, to check whether I had used it for a large purchase the other day. When reviewing the activity I noticed late fees & interest were charged in both months. I contacted Chase Customer Service and spoke with XXXX. She placed me on hold for about 5-7 minutes to speak with a Sr. Online Specialist and they determined there was no way for them to know if the check was held in processing and not mailed for a day or two. They only have the date the check was cut and are relying on the systems to send out the checks on time. Therefore, they stated it must have been due to a delay at the USPS and suggested I simply send it days earlier, but there was nothing they could do as far as reimbursing me for these fees. I asked to speak with a supervisor, at which time I was transferred to XXXX. He advised he did not know of any Bill Pay guarantee like the one I kept referring to. I advised it was on their site and he again denied any knowledge of it. Instead, he too suggested I send it even earlier and there was no way they could reimburse me or make me whole. I advised I wasn't setting the Send On date, I was only entering the Deliver By date and their system was calculating the Send On date. He mentioned again it must have been a delay with the USPS ; however, I asked is that not why we give it 5 days to arrive to the payee? Given the system has both the address of Chase 's check processing center and of the payee, it should be able to calculate the amount of time it would require. And a check mailed from Delaware to Texas takes approximately 3 days, so had it been sent on time, there is no way the check would not have arrived on time given the 2 day buffer. | ||||||
| 06/16/2022 | Yes |
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| Subject : Transaction Violation Complaint about JP Morgan Chase Bank To whom it may concern, I am filing a bank violation complaint on JP Morgan CHASE Bank for {$110000.00} withdrawn from my savings account. CHASE Bank withdrew the money from my account on XX/XX/XXXX, without my authorization or any notice. I was a victim of a CHASE Bank cashiers check scam. Back in XX/XX/XXXX, I was given two cashiers checks by XXXX XXXX, totaling an amount of {$110000.00}. After I deposited the checks, CHASE Bank dishonored the two checks which were stopped by XXXX unlawfully, and I lost the {$110000.00} that XXXX owed me. After what happened, CHASE Bank gave me a hard time and a bad attitude and I couldnt even file a complaint against XXXX XXXX. CHASE was so protective about XXXX account information as CHASE told me its about the clients privacy, even though what CHASE and XXXX did to me at that time was totally illegal. I hired attorney XXXX XXXX XXXX to send CHASE Bank an attorney letter and demanded the amount. After an investigation by CHASE Bank internally, CHASE Bank admitted that dishonoring the cashiers checks was a serious violation of the legal mandate under Article 3 and Article 4 of the Uniform Commercial Code of the State of New Jersey ( " XXXX '' ). CHASE bank removed the stop payment on the two checks and stated that the checks were legit, and the fund was good, CHASE bank eventually returned me my money in XX/XX/XXXX. The case was closed then. Based on what happened, my lawyer and I could not exclude the possibility of a collusion between CHASE employees and XXXX XXXX inside and outside. However, 6 months later, on XX/XX/XXXX, there were two transactions transferred to a linked CHASE account, ( I dont have any linked CHASE account ), totaling {$110000.00}, I made the connections with the two cashiers checks I deposited last year. I immediately contacted CHASE Bank, and I was told that the money was withdrew by CHASE Bank Claim team as CHASE Bank is doing an investigation on XXXX account. CHASE Bank stated that, there was a claim on XXXX account regarding a cashiers check scam, and his account is fraudulent. It will take 45- 60 days for an investigation by CHASE Bank internally. I might need to be responsible, and the money will stay removed from my account. CHASE Bank stated that its my responsibility to verify XXXX account and make sure his fund was not fraudulent when I deposited the checks. I believe what CHASE Bank is doing is totally illegal and unfair to me. It is the banks responsibility to verify the funds of its own customers, CHASE Bank has not done its due diligence to verify its clients account and funds in the first place, which led me as a victim of a cashier 's check scam as a consequence. As an individual, it is impossible that I can verify a CHASE clients fund due to the protection of its client 's privacy. Also, by given the background of my story, back in XXXX last year, when CHASE Bank infringed my right by dishonoring the cashiers checks, I couldnt even file a complaint against its client due to CHASE Bank client privacy policy. Now CHASE Bank took away my money and blaming me on not verifying its client funds, CHASE Bank is being very unreasonable and abusing me as a venerable individual. I was the victim in a cashiers check scam due to a CHASE Banks violation of the law. What had happened to me last year was very unfortunate, but I had retrieved my money and recovered my loss through legal means last XXXX. And CHASE Bank just took my hard-earned money away from me the second time. Due to the serious violations by CHASE Bank, it has caused me huge expenses on hiring attorney, and I have put in so much time and energy into this. The whole incident has caused me great XXXX and XXXX since last year. I have been unemployed since the pandemic, as I was in the tourism industry and the pandemic has affected my life tremendously. The money is my familys life saving and it is very important to my family to be able to survive during this critical moment. My family doesn't know about this, and Im under tremendous pressure right now. My mom is old now and if she knows what happened, she will have a XXXX XXXX. CHASE Bank is holding my money illegally, and I demand my money back immediately, because that money is our life saving and my whole family depends on that money for a living. Please kindly look into this matter and guide me through the best possible solution to this problem. Please advise me how to recover my hard-earned savings. My CHASE Bank claim team representative contact : XXXX XXXX ; Phone XXXX x XXXX. CHASE case Claim Number is XXXX. My attorney contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Suite XXXXXXXX XXXX XXXX, NY XXXX ; Telephone XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ; Telephone XXXX | ||||||
| 07/18/2017 | Yes |
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| My husband and I were scheduled to close on our refinance with Chase Bank on XXXX / XXXX /17. XXXX XXXX was the Settlement Agent and sending XXXX XXXX , ( notary, to the house to complete the document signing. XXXX XXXX called at XXXX , 10 minutes before the closing time to say she would not be able to make it could we reschedule for later that evening. My husband and I already had dinner plans and could not. So it was agreed to sign the documents the next day at XXXX . At XXXX , XXXX XXXX had still not arrived, so I spoke with XXXX XXXX ( a Loan Officer with Chase who was covering for XXXX XXXX the LO that we started with. XXXX returned my call and stated XXXX XXXX was reporting the closing had taken place on Friday, when in reality it did not. XXXX XXXX finally arrived at about XXXX , and I instructed my husband to hold off signing the documents. After discussion with Chase and XXXX XXXX about the dates on the documents not matching the date of the closing, My husband and I agreed to sign the documents with the XXXX date to get the closing settled. The documents were signed in the presence of XXXX XXXX on XXXX at XXXX . At this point the loan was scheduled to fund on XXXX , the date our lock expired. On Thursday, XXXX , I received at call from XXXX XXXX , a Closing Manager for Chase telling me he was calling to reschedule the closing since the Notary destroyed the documents. After several attempts to find a common time, We rescheduled the closing for Monday, XXXX XXXX . After thinking about it for a few hours we did cancel that closing and insisted that we did not use XXXX XXXX . Chase did agree to cover the lock extension to ensure our rate stayed the same. XXXX has been our main contact through the latter part of this mess. We did receive a message from a sales rep, XXXX XXXX , with XXXX XXXX on Friday XXXX . Her message mention the " hurdles '' that we experienced with our refinance. We did also receive a {$50.00} XXXX XXXX gift card for our inconvenience. As of Wednesday, XXXX XXXX we had not heard about why or how the documents were destroyed. We did insist that Chase start a [ process of a credit protection monitoring. On XXXX XXXX we received a XXXX envelope from XXXX XXXX with the credit monitoring information. We have not signed anything yet since we are unaware of this particular company. In knowing that there was a notary involved, On XXXX XXXX at XXXX I spoke with XXXX with XXXX XXXX XXXX office who referred me to XXXX XXXX at the State Level. She no longer did that job, but took my information and passed it along to XXXX ( XXXX ) XXXX . I spoke with XXXX on Wednesday XXXX around XXXX . He took the general gist of the information and suggested that I contact XXXX XXXX XXXX XXXX XXXX XXXX had also given me the name of someone in that office- XXXX XXXX . I left him a message on Wednesday. He returned my call with a message stating he passed my information onto the correct department. I did speak with XXXX XXXX on Thursday. I verbally shared the information about our refinance nightmare and she asked that I complete the online form. At this point we have not rescheduled the refinance closing. The only out of pocket expense that we have paid up to this point is the {$500.00} application fee to Chase. We will have to look at the rate lock extension as well as if we need to buy down the rate to get where we were. The remaining costs listed below were scheduled to be paid at closing : $ XXXX - Processing Fee $ XXXX - Tax Service Fee $ XXXX - appraisal fee $ XXXX - Abstract/Title Search {$550.00} Lenders Title Insurance $ XXXX - recording service {$310.00} Settlement Closing Fee Grand Total- {$2100.00} My husband spoke with an XXXX at XXXX XXXX on XXXX to get the name of the Title Insurance company which the legal department of XXXX XXXX would not release. We have been speaking with XXXX XXXX with the Escalation office with Chase. He was asked to share that Chase was not willing to do anything to rectify the situation. We have rescheduled the closing on our loan for Friday XXXX at XXXX . As of today XXXX at XXXX , I have not received an updated Cd for this new closing with a new Title Company. I have also requested a copy of the closing protection letter from Chase that they received from XXXX XXXX , which has not been sent as of this moment. I do believe that Chase has violated our rights as consumers for not funding the loan on the date that it was scheduled. There has been no compensation for the loan not funding ( and it will hopefully fund by the end of XXXX XXXX month later than anticipated ). | ||||||
| 11/18/2022 | Yes |
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| On XX/XX/XXXX, I used my Chase Southwest credit card account ending in XXXX to purchase three airline tickets and a lap seat to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX using the website XXXX XXXX XXXX XXXX I received an itinerary/receipt to my email, XXXX, from XXXX ( not XXXX XXXX XXXX ) for the airline tickets that I purchased using my Chase card ( see attached ). There were a few red flags from the very beginning but didnt think much of it right away. The first problem was I made one reservation with the wrong last name. When I called back to see what I had to do XXXX from the ticket company said he would fix it right away no problem. This was all done on the same so not much time in between had passed. I received an email with with our names confirmed along with airline and ticket numbers. On XX/XX/XXXX, my XXXX and I decided to travel without our children to the destination. I called XXXX XXXX XXXX on the same date to cancel our XXXX XXXX seat as well as our XXXX XXXX XXXX XXXX. The company said that it would cost {$170.00} per person to cancel their flights ( including the XXXX XXXX seat ticket which was a free ticket to begin with ). I reviewed the available information on the website and it stated that it was {$40.00} to cancel a flight. This was our second red flag. Do I told them to not cancel our tickets yet, I would call back to further discuss options. Continuing on the same date ( XX/XX/XXXX ), my XXXX and I both spoke to XXXX at XXXX XXXX XXXX regarding cancellation of the tickets. He said the fee was due to the airline, XXXX, charging that dollar amount and not his company. We learned this was false during my online chat with XXXX. Continuing on the same date, I initiated a chat with XXXX XXXX regarding XXXX ( and/or XXXX ) Reservation # XXXX. XXXX did not locate any reservation using the reservation number, our names, our phone numbers or any other Personal Identifiable Information ( PII ). The XXXX representative stated that they would still be able to locate the tickets even though we used a third party to purchase the tickets. This was a huge red flag. We had no valid tickets with the airline company. Over the next few days, we conducted some XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX. We also searched the flight numbers and they were not valid flight numbers with XXXX. Most of the customer reviews said the company was a scam and to not use them. The ones that were defrauded stated that the company cancelled their " flights '' the day of or before their departure date and then the victims ( customer ) would be left scrambling for a last-minute flight. The company would then state that they could assist in rebooking a new ticket but it would cost another large fee plus the cost of the tickets. This was starting to sound like our situation and we didn't want to fall victim to this scheme. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or around the week of XX/XX/XXXX, I called Chase to report the above activity. I spoke with someone in the Fraud Department. I relayed all the pertinent information to this representative. They refunded me the {$2000.00}, canceled my current card, and sent me a new card due to the fraudulent activity. On XX/XX/XXXX, I noticed the charge back in my account as Chase investigated and found there was no fraudulent charges. Then, I called Chase and spoke to someone who advised me to go into my Chase account and submit a dispute rather than a fraudulent charge for {$2000.00} to Chase Bank Card Services. On XX/XX/XXXX, I reviewed a letter I received from Card Services stating the charges stand and will remain on my account. XXXX a supervisor at Chase Executive office accepted my phone call and told me that they investigated and because I gave this company my credit card number it was valid and they refuse to help me. This dispute should be valid due to us never receiving a product.We have no tickets, have never received any tickets or vouchers. I contacted XXXX again regarding XXXX statement that they investigated and again, XXXX had no record of tickets or payments from a company coming into them to reserve our tickets. XXXX from chase suggested I call the company myself again and try to resolve. I had my husband make the calls. It was the same XXXX and he said the only way he could help us more was if we did a reversal of dispute through the bank and he wasnt making much sense on his end at all. This company has been lying and Chase is letting them treat and get away with fraud with a long time customer. XXXX XXXX XXXX is a fraudulent company that needs to be addressed as they have victimized several US customers. Chase Credit card services should be doing better to protect their loyal customers. | ||||||
| 12/23/2021 | Yes |
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| RE : CHASE SAPPHIRE ACCT XXXX XXXX XXXX XXXX XXXX : I believe Chase is clearly inventing eligibility requirements to avoid providing credit for an out-of-pocket expense incurred because a card benefit was denied. RESOLUTION : Credit for out-of-pocket expense incurred ( {$95.00} ) and apology direct from XXXX XXXX to acknowledge the awful customer service and repeated abuse from their personnel, causing me much XXXX and wasting of many hours of time, as well as to actually take responsibility for the denied benefit they owed me. In particular, I believe they are falsifying claims of XXXX XXXX terms and should also be held accountable for the intentional deceit of a consumer and customer. Ideally, my full annual fee should be refunded. DETAILED HISTORY : On Sat, XX/XX/21, expected to feed XXXX with XXXX XXXX XXXX at XXXX XXXX based on Chase Sapphire XXXX XXXXt, which would have given us {$110.00} food and beverage credit. Was denied access to terminal with XXXX and was therefore forced to find other restaurant and spend {$95.00} out of pocket, which was charged to first card I had at my disposal, which was NOT the Chase Sapphire XXXX. I mentioned several times would be happy to provide the receipt, which they did not request. On XX/XX/21, I contacted Chase to make them aware of this and request credit for the {$95.00} out-of-pocket expense since I was denied the benefit. The phone XXXX ( XXXX XXXX claimed a credit would only be given if a Chase card was used, which was not the case here. I mentioned I had no choice at the time and certainly would have used a Chase card ( have several ), but was in an unexpected bind and had to feed XXXX. She said she would see if she could find another path ( like refunding some of annual fee ), but said she could figure out no way to issue a credit. I requested an escalation for my credit request, which she submitted. A response letter was received XX/XX/21 ( dated XX/XX/21 ), which again denied the request stating " In order to be eligible for the Priority Pass Lounge credit you need to use your Chase Sapphire XXXX XXXX. Since the charge was made using a different card, we are unable to honor the credit. '' I do not believe this was ever stipulated in any terms and they were simply fabricating a response instead of taking responsibility for a benefit I was supposed to receive ( and pay a very high annual fee for ), but never did and had to pay out of pocket. On XX/XX/21 ( XXXX am EST ), I contacted Chase to them I did not believe they were stating a valid term of the agreement and asked for them to point out where in the agreement ( that existed prior to the date of my initial escalation ) this is stated. I made clear if they could simply do this, I will immediately drop the escalation, but if not, will appreciate them taking responsibility and issuing the credit as originally requested. The XXXX XXXX XXXX, XXXX? ) said I needed to talk to a supervisor so I requested that. After an extensive wait, I was connected with a XXXX ( XXXX, XXXX? ) to explain the basis for their denial in the XXXX XXXX. XXXX said I must have the XXXX in front of me to review benefits together. I told her I did not have it immediately handy and Chase does not make available electronically, but will appreciate her simply identifying the section and/or page number in the agreement, or better yet, read the applicable language to me. She adamantly refused to review ANYTHING about the XXXX without it in front of both of us. She even admitted she ALSO did not have access to the document so I asked how she could possibly review with me even if I did have it in front of me. She had no explanation after being caught in what seemed to be a lie. So I said I want to confirm you are specifically denying to review any information in the Agreement ( reminded it was a recorded line ) ... and at that point XXXX HUNG UP ON ME ( after spending over half an hour on the phone for this ). NOTE : at no time was I belligerent or abusive in my interaction to warrant being hung up on. After doing some digging in files, I was able to locate the Agreement so I called back ( XX/XX/21, XXXX pm EST ) to again attempt to get the explanation and agreement terms they kept claiming existed. I again repeated the request and asked if the immediate XXXX ( XXXX ) could explain the terms in question in the Agreement. She again wanted to escalate me to a XXXX so after a very long wait on hold, I was connected with XXXX XXXX. XXXX essentially asked me to start from the beginning so I started to explain the scenario and about a minute in, XXXX HUNG UP ON ME without so much as a word or even response. NOTE : again, at no time was I belligerent or abusive in my interaction to warrant being hung up on. This time, I did not even get the chance to engage in a discussion. | ||||||
| 03/02/2018 | Yes |
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| I am writing because I have a disputed charge on my Chase credit card that has not been credited back to my credit card account even after providing documentation that the charge should not be paid by me. In XX/XX/XXXX, upon review of my Chase Credit Card XXXX statement, I realized that there were two charges to the vendor XXXX in the exact same amount ( {$1600.00} ) on XX/XX/XXXX and XXXX, XXXX. I called Chase and upon further review we both surmised that it was a duplicate charge and I was advised to dispute the charge. My account was credited but two days later I discovered the charge was correct. I had rented two different properties from XXXX ( one for XX/XX/XXXX and one for XX/XX/XXXX ) and somehow the amount charged was exactly the same and within two days of each other. This was my mistake so I called Chase within 2-3 days of disputing the charge and cancelled the dispute and was recharged {$1600.00}. I also called the Manager of the XXXXXXXX Property that I was renting, XXXX XXXX of Property Rental XXXX, and told him the story and he said that he would contact Homeaway and follow up with me. After several weeks he had not received the funds through XXXX so we both individually contacted XXXX to see where the money was. He and I were both told by the financial office of XXXX, after each of us spent hours on the phone, that since I had disputed the charge that my credit card was blocked by XXXX and that they therefore had no way to retrieve the funds from that account. I recontacted Chase and discussed the issue. They said that the money was there for XXXX to grab. So I then called XXXX again and I told them what Chase had told me : That the money was there waiting for them to retrieve it ; but, they said that they could not. They said that I should send a check directly to the manager of the XXXX property which I did. ( See copy of check to XXXX XXXX, Manager of XXXX Property XXXX and the portion of my XXXX statement showing it being charged to my checking account. ) The website confirming his role as property manager can be found at XXXXXXX XXXX XXXX XXXX. I called Chase to explain to them that XXXX stated that they could not access the funds and that I had paid by check. I was told that I should redispute the charge and that I could do it by sending an online secure message. I did that on XXXX XXXX, XXXX. I was not credited with the amount and heard nothing so after a few weeks I called again and was told that they did not see where I had redisputed the charge but found my secure message requesting such and that they would act on it. Later I sent another online secure message asking about the status on XX/XX/XXXX. ( See attached messages from me to Chase from XX/XX/XXXX and XX/XX/XXXX. ) Having heard nothing, on XX/XX/XXXX I called again since I still hadnt been credited. I was told that the redispute had been resolved and that they could not credit my account because the money was with XXXX. They said they could do nothing on the phone and that I needed to send a letter with a copy of the check and other supporting documents. ( I was never previously asked for that documentation. ) I sent copies of my written correspondence with Chase ( since they had overlooked several correspondences ), a copy of the check to the XXXX property manager XXXX XXXX and a copy of my bank account showing the check had been cashed. I also provided documentation of the managers name, his affiliation with XXXX and a weblink to his property site. I finally received a letter dated XX/XX/XXXX saying they would look into it but today ( XX/XX/XXXX ) I called Chase, ( since I had heard nothing back ) and they said they could do nothing to help me get my money back and I was out of options. XXXX also insists they can not help me stating that they dont have access to the funds. I paid {$1600.00} less then required on my bill due XX/XX/XXXX because they state that I am not responsible for disputed charges. Now they will probably charge me late fees. What a mess. I hope you can help. I await your response and will help in any way I can. Attachments : 1. Copy of original charge on Chase credit card that appeared to be a duplicate. 2. Copy of Chase letter saying they were reviewing the redisputed charge dated XX/XX/XXXX 3. Copy of Chase letter saying the redispute had been resolved dated XX/XX/XXXX 4. Copy of secure message sent to Chase XX/XX/XXXX. 5. Copy of secure message sent to Chase XX/XX/XXXX. 6. Copy of Chase letter saying they have received my redispute of the charge dated XX/XX/XXXX 7. Copy of Chase letter stating that the redispute was resolved dated XX/XX/XXXX 8. Copy of Chase letter acknowledgine receipt of additonal information dated XX/XX/XXXX 9. Copy of cancelled check to XXXX XXXX, Property Manager of the XXXX property that I was renting. | ||||||
| 06/22/2017 | Yes |
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| Chase Credit Card issued a proposal of changes in the terms of the existing credit card holders on their balance transfer fee which was increasing from 3 % to 5 % in XXXX XXXX They stated that consumers may write to their XXXX XXXX to reject the changes - NOT clearly stating that such option equals a request for account closure. Instead of me writing a physical letter I stated on an email that I would not like to have the new terms apply to my account : You have informed me that you are proposing changes to my account terms including raising the balance transfer fee from 3percent to 5percent. I REJECT the proposed changes. Please notate that to my account. Date : XXXX XXXX From : Chase Card Services Subject : Re : Account Inquiry Message : Hello XXXX, We appreciate you writing to us about the 'Change in terms ' notification received for your Chase Ink Cash account. As you wish to reject the change in terms for the balance transfer transaction fee, we have noted your account ending in XXXX and your account has been closed. Please destroy all cards and checks associated with this account. Remember to contact any merchants with whom you have authorized recurring charges to this account and make alternate arrangements. An update will be sent to the credit reporting agencies advising that the account was closed at your request. Please allow up to 45 days for changes to be reflected on your credit report. If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. Thank you, XXXX Chase Email Servicing XXXX Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Account Inquiry Message : Hello XXXX, We understand your concern about the closure for your account. When you rejected the new terms, we closed the account as it can not be kept open with old terms. The previous annual percentage rate ( s ) ( APR ) from your Cardmember Agreement will no longer apply. The new APR in your Change in Terms notice is now in effect. Hence, if you wish to reopen you account, you are required to accept the changes to the terms. Here 's what you should know about your closed account : - Please destroy any cards and access checks associated with this account. - You 'll still receive monthly billing statements as long as a balance remains on the account. - You must continue to make the minimum monthly payments. You can also pay the balance in full. - Please inform authorized users that the account is closed. - If you use this credit card for automatic payments, please make other payment arrangements with those merchants. - We 'll send an update to the credit reporting agencies letting them know that the account is closed and that you asked us to close it as you rejected the change in terms. We appreciate your business and thank you for being a Chase customer. Thank You, XXXX Chase Email Servicing XXXX Date XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Account Inquiry Message : Hello XXXX, I understand that you wish to reinstate your Chase Ink cash account. I regret to inform that we are unable to reinstate the account. When you rejected the new terms, we closed the account as it can not be kept open with old terms. The promotional offer for access check balance will remain unchanged. The promotional 0 % Annual Percentage Rate ( APR ) on access check balance is good until the first day of your billing cycle that ends in XX/XX/XXXX We appreciate your business and thank you for being a Chase customer. XXXX Chase Email Servicing XXXX We regret any dissatisfaction this may cause. If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. Sincerely, XXXX Senior Service Specialist XXXX Ext XXXX Furthermore, I found that we received your request to close your account on XX/XX/XXXX with your request to reject the Change in Terms sent. Therefore, I determined that the account was closed at your request and not that of the bank. I sincerely apologize for the inconvenience this may have caused you. XXXX, if you have any other questions or concerns, you can call the number below or send us a secure message. We appreciate your business and thank you for choosing Chase. Thank you, XXXX Chase Email Servicing XXXX The next day, with no further confirmation of the drastic step taken, my account was closed with a balance of less than {$10000.00}. Chase did not want to hear another word after sending over 20 messages pleading for my account to be reopened, that I will embrace the new changes to the terms as long as my account is kept open ... Calls to escalation, time loss from work and my XXXX as a sole woman XXXX This is not right. | ||||||
| 12/20/2022 | Yes |
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| I was at home Sunday afternoon ( XX/XX/22 ) at XXXX pm and got a call on my XXXX from my XXXX ( his caller ID and photo on my phone came up the same way it always does ). When I answered I heard his voice and he was in distress and sounded like he was being beaten up. Then a man ( American accent ) came on the phone and told me XXXX, if you ever want to see your XXXX again youre going to do what I say. XXXX going to blow his XXXX brains out. He told me he had a XXXX to his head. He kept threatening me, yelling at me, and threatening to kill my father unless I did what he told me to do. At this point I was terrified and thought my dad had been jumped by someone. I OF COURSE complied with everything they told me to do because I heard my Dads voice and it was coming from his cell phone and all I could picture was someone with a XXXX to his head. The man was very angry and mean and pushy and kept telling me to pay him money via XXXX XXXX or XXXX immediately. He was demanding {$1000.00}. I couldnt think, I was shaking, I was so scared, and just kept pleading with him not to hurt or kill my father. He first asked me to pay him via XXXX XXXX, but I do not have this. I then said I have XXXX, but he did not want me to use that. He then asked me if I had XXXX and I remembered that XXXX was in my Chase App. I went in XXXX and he gave me phone number to send the money to ( XXXX ). I initially tried to send him {$1000.00}, but it told me my limit to send to a new recipient was {$500.00}, so that is what I sent. When I sent the payment it came up as someone named XXXX. He confirmed that that was the correct account to send it to and I " authorized '' the payment against my will under the direct threat of XXXX to my father. He started yelling and telling me it did not go through, so then he gave me another number to send another {$500.00} to ( XXXX ). This number was associated with the name XXXX and he confirmed that this was the correct name. I then once again " authorized '' the payment to go through against my will. It went through this time. During this whole time, every hesitation I had or pause he would scream and threaten my XXXX. [ Of note, the transaction numbers for the 2 transactions on Chase XXXX were XXXX -- the " XXXX '' transaction -- and XXXX -- the " XXXX '' transaction. Luckily somehow the XXXX one did not go through and was cancelled, so I only ended up losing {$500.00} instead of {$1000.00}. ] Luckily boyfriend was with me and when I first got the call he immediately called XXXX. He then called my Mom who was out of town, but had my XXXX 's location showing that he was at home where he lives in Ohio. My boyfriend then called my brother who he knew was also at home in Ohio ( while I was still on the phone with these criminals ) and was able to find out that my XXXX was home and safe and had his phone with him. I immediately hung up with the scammers, but the money was gone. I then found out that I was the victim of an advanced scam where they called me somehow from " my XXXX 's '' phone and likely used voice cloning to emulate his voice and make him sound in distress. Im so glad my XXXX was actually okay ( I broke down in tears when I found out ). I then immediately called Chase, but they said they could not help me recover the money because I " authorized '' the payment -- despite the fact that it was stolen from me forcefully under direct threat of XXXX to my father. Chase told me that XXXX is a third-party company that has nothing to do with them, so they can not reimburse the money, and told me to call XXXX. I then called XXXX who a ) repeated that I " willingly authorized '' the payment ( despite the threat of someone shooting my Dad in the head if I did not send it ), and then also told me that they have no ability to see the transaction or figure out where it went and they could not help me recover the money. They also told me that Chase 's XXXX is different from the XXXX app, and they can not help me with anything related to Chase 's version of XXXX. They told me I had to call Chase back and ask to speak to someone in the " XXXX Department. '' I then called Chase back and they told me that no such thing exists, that their customer service dept is what deals with XXXX. I then had to call XXXX back again and I made them call Chase with me on the line to realize that both were pointing fingers at each other. There is no responsibility for XXXX from the company itself or from the banks that use it. This allows criminals to get away with these heinous crimes. I then told them I did not even realize when I signed up for Chase that I had XXXX -- it was not something I wanted to have, but I am forced to because it's on their app automatically. Therefore, I will be finding a bank with no affiliation with XXXX. This should be illegal! | ||||||
| 09/09/2023 | Yes |
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| I purchased a product ( couch ) which was never delivered despite the ongoing operation of the business. I disputed the charge made with my Chase credit card yet Chase continues to assert that I am responsible for this transaction. This is contradictory to their credit card policies. Below is the letter I sent to Chase. There has been no resolution and Chase continues to assert we are responsible for this charge even though the product paid for was never delivered. To Whom it May Concern. XX/XX/XXXX I would like a payment reversal and refund for a purchase made at XXXX XXXX ( a furniture store ) on XX/XX/XXXX. The couch purchase in question came with an estimated delivery date of XXXX weeks. XXXX weeks is approximately 6 months from the date of sale, or in this case early XX/XX/XXXX. Delivery and receipt of the couch in question never occurred and yet the company in question is actively in business and a recent visit to their store shows the nearly identical couch for sale on the showroom floor. Request for reimbursement to the company have been unsuccessful as they claim some interval change in ownership and an absence of responsibility for any prior unfulfilled purchases, which is entirely unacceptable. The couch was not delivered within the expected ( XXXX weeks ) timeframe and so my wife ( XXXX XXXX ) made a complaint regarding this issue to XXXX soon thereafter on XX/XX/XXXX ( XXXX claim ID # XXXX ). The claim was initially refused by XXXX due to the amount of time that had passed from the purchase date but a simple further review will show that the purchase date is irrelevant in this matter as we were unaware the couch would not be delivered until the expected delivery date ( XXXX weeks ) had passed. As you can see from the attached purchase receipt that expected delivery timeframe was XXXX weeks AFTER the purchase date. This claim needs re-review and if not appropriately satisfied this denial will be submitted to the XXXX as an inappropriate failure to comply with stated credit card chargeback policies. Thanks for your attention to this matter. Sincerely, XXXX XXXX Below find the supporting purchase receipt document. Your Interior Define Quote Page XXXX of XXXX Sent from my XXXX Begin forwarded message : XXXX Date : XX/XX/XXXX at XXXX PM XXXX FOr XXXX XXXX XXXX XXXX : We've Received Your Order : # XXXX XXXX DEFINE Thanks for your order, XXXX XXXX. Your order # XXXX XXXX has been received! See your receipt below. Before we get started, take a second to confirm that your shipping address is correct. Remember. Made-to-order items can be modified or cancelled within XXXX hours. Modifications and cancellations outside of those timeframes will incur a processing fee. Learn more about our modification and cancellation policies here. We're so excited for your new pieces. We'll keep you updated on your order 's progress and send tracking once available. With our current volume, our production may be subject to longer lead times. If your order experiences a change in timeline, we will notify you via email. You can always check your order status on your online account. A note on XXXX Now Decide Later Orders : You have 30 days to assign a fabrie to your piece ( XXXX ). When you're ready, you can choose your fabric on your online account. XXXX won't begin until all fabric selections have been made. Can't decide? XXXX free swatches to help. Once you choose your fabric, you can make modifications or cancellations to your order within XXXX hours. Any modifications or cancellations outside of XXXX hours will incur a fee. If you have any further questions. we're here. Best, The XXXX Define Tean XXXX Your Order # XXXX Billing Info XXXX XXXX XXXX XXXX " XXXX XXXX XXXX, Illinois, XXXX United States T : ( XXXX ) XXXX Payment Method Shipping Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX United States T : ( XXXX ) XXXX Shipping Method Unlimited furniture delivery - Unlimited furniture delivery Credit Card Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Buy Now + {$200.00} Finish Solid Wood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + {$95.00} Choose Sofa Length XXXX '' + {$300.00} Choose Chaise Length XXXX '' + {$300.00} Choose Sofa Depth XXXX '' Choose Chaise Depth XXXX '' Cushion Fill XXXX XXXX Your Interior Define Quote Page XXXX of XXXX Down alternative + {$250.00}. Estimated delivery date : Delivered in XXXX weeks Warranty - Jasper Mulberry XXXX Product = 60 Months, Product Placeholder | {$220.00} Estimated delivery date : Delivered in XXXX weeks Subtotal Discount Tax Shipping XXXX XXXX XXXX XXXX XXXX. {$920.00} XXXX {$240.00} {$4600.00} XXXX DEFINE The original letter and supporting receipt are attached as documents below. Thank you for your help with this matter. | ||||||
| 04/21/2023 | Yes |
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| XX/XX/XXXX, My chase online banking account was breached by an unknown party which accessed chase.com through an XXXX XXXX XXXX XXXX. My passwords and all information in my account including my contact information ( email and mailing address were all changed without my knowledge ) The email address to which all of the security alert notifications were going to was ( XXXX ) confirmed by a chase fraud specialist. The delivery address was changed to an address in Florida which I have no connection with ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX ) to which a replacement card was requested to. THE INFORMATION ABOVE IS WHAT I HAD FOUND THAT WAS CHANGED IN MY CHASE.COM ACCOUNT AFTER REPORTING THE CLAIM AND DOING SOME OF MY OWN RESEARCH AS TO WHY MY ACCOUNT WAS BREACHED. CHASE DID NOT TAKE THESE CHANGES INTO ACCOUNT IN THE INVESTIGATION. Without any knowledge of this transaction, Chase granted this request and I assume a replica of my actual debit card at the time was sent to this address. I had no knowledge of this at all as I even used my current card in New York at the time on XX/XX/XXXX at my local XXXX for an amount ( {$13.00} ). I had also made several purchases thereafter for the remainder of the month of XXXX in XXXX XXXX XXXX. XX/XX/XXXX I am hospitalized for about 24 hours ( documents to prove attached ) at XXXX XXXX XXXX. I was admitted XX/XX/XXXX and discharged XX/XX/XXXX at XXXX ) After the XXXX, I am XXXX for days XX/XX/XXXX at XXXX, XXXX, XXXX thereafter, this unknown XXXX XXXX device accessed my chase account again. I, once again, did not know until I had logged into my own chase account in XXXX and saw that I had received application notifications, not the push notifications to email and phone that I had requested when originally creating the account. I then realized that something was astray and I checked my balance and saw that there was a significant amount of money withdrawn from a GAS STATION ATM in XXXX FLORIDA. The transactions are as follows : ATM WITHDRAWAL XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX XXXX XXXX XXXX FL Card XXXX XXXX IMMEDIATELY following my realization of this, I called chase fraud frantically XX/XX/XXXX at XXXX I was on the phone for 10 minutes with a representative. They found that the best solution was to lock my card and send me a replacement at my actual address in XXXX and was told a claim had been input for a fraudulent charge. XXXX XXXX at XXXX I called again for another 7 minutes and verify that my claim actually was input, to which the fraud representative told me that it was not. This call, I requested I receive the claim number to ensure that the chase representatives did their job correctly. ( claim id XXXX ) XXXX XXXX XXXX the following day, I had mustered up enough energy to leave my apartment after the XXXX and go to my Chase account branch where I had originally opened the account 7 years ago to PHYSICALLY withdraw cash since my card was now locked. At XXXX i HAD WITHDRAWN {$600.00} AS A BRANCH WITHDRAWAL at XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, Chase had given me a temporary {$1000.00} while they launch the investigation into my claim. I am then conducting every day tasks as normal XX/XX/XXXX Chase had then removed that {$1000.00} granted to my account and sent a notice that said : We found that the transaction was processed according to the information you provided or was authorized This means that they had denied my claim and had conduction a lackluster investigation into my claim and did not connect the dots correctly. Since then, I had made many calls to chase fraud, Identitfy theft, and even the local police authorities, to which I keep getting bounced around in circles, one sayign the other has to do this for me before something else can be done, etc. I have conducted a better investigation than the chase investigation team could and the chase fraud phone representatives will not give me any information on my own case other than " the physical card and chip was used '' My issue with this is how and why did chase allow unauthorized use of my own funds in another state while two identical cards were active and why am I suffering for an oversight that happened on chases behalf. Obvious points are : Someone requests a new card under my name to a Florida address while I am still actively using my card in XXXX XXXX XXXX I am in the hospital receiving XXXX the day before the card is fraudulently used No push notifications sent my devices and accounts because my chase.com account was breached by another party. No help given by chase fraud department other than replacing my card. | ||||||
| 11/13/2021 | Yes |
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| On XX/XX/XXXX of 2021 I discovered that my XXXX Rewards Visa Account with JP Morgan Chase had been closed without warning or explanation. At this time there had never been a single late or missed payment on this account and no payment was even due. Upon calling JP Morgan Chase believing this to be a mistake I was informed that the department I needed to speak to was closed and due to the holiday weekend I would have to wait until Tuesday. Upon contacting the number provided I explained what had happened to the employee at JP Morgan Chase who seemed to be just as baffled as confused as I was and agreed that they did not understand it as well and asked me to bear with them several times as they continued to search through my account trying to discover why this had happened. The employee eventually said that they found the reason for the closure of my account and that it was in a letter and then asked if I had gotten the letter to which I had not and told him this. The employee working for JP Morgan Chase proceeded to tell me that Chase had received a letter from XXXX ( whom I had a paid credit monitoring service through at the time ) sent them a letter ordering them to close my account. I was so confused I didnt even know what to think and asked several questions including how XXXX had the power to close my account to which he said he did not know, what contact information was included in the letter to which he claimed he was unable to share, if I could have a copy of the letter to which he refused, and what I needed to do next to which he said I had to contact XXXX to resolve the issue because they are the ones that closed my account. After speaking to multiple departments of XXXX over the next several days there was not a single employee who had ever heard of such a thing and told me very boldy that I had been lied to. This led me to believe that some kind of fraud or identity theft had taken place and no matter who I talked to at JP Morgan Chase NOBODY would help me or give me ANY kind of information. This put me in a state of fear and terrified to use kind of debit or credit cards at this point so I locked everything and froze my credit report until I could get some answers. These were answers that never came. Instead all I have received from JP Morgan Chase and its employees have been lies that caused an immense amount of damage not only to my credit report, my means of living, ability to pay bills and try to survive through the pandemic the world is suffering through, but most importantly my own well being. I made dozens of attempts to contact JP Morgan Chase between XX/XX/XXXX and XX/XX/XXXX all of which ended with me either being transferred to a dead line, hung up on, or my favorite of being re assured I was being transferred to an actual person in a department that would only be a recorded message and then hang up on me. On XX/XX/XXXX I had an alert that a payment did not go through to JP Morgan Chase. At this time I chose to use their online secured message feature to contact them in regards to it and much to surprise I actually received an answer so I decided to use this form of communication in regards to my closed account. After more than a dozen messages have been exchanged I have been given multiple phone numbers to contact during specific business hours ( all of which have led straight to a recording that says they are closed and hangs up during the times given ), and been told that my inquiry has been escalated to a manager, been notified that this has been sent an investigator to determine a resolution. None of these things have happened. The only contact Chase has made with me has been automated phone calls and when transferred to a live person they dont have any clue what I am even referring to. I have not received a single email from an individual, a letter in the mail, a phone call or any form of contact from an investigator, or had a single person leave a message saying they were trying to get in contact with me. I believe this to be very unacceptable from the very beginning when their employee lied to me about the reason for the closure of my account all the way up until now where it has been more than 2 months and I still have not received any truth from JP Morgan Chase. In fact all that I have received from this company is an immense amount of damage to my life as a direct result of the actions of JP Morgan Chase and their employees, extensive damage to my credit history and report, multiple financial hardships directly related to this entire situation that they have refused to resolve or even take interest in, and my own mental well-being that has been severely affected by this entire situation caused by JP Morgan Chase and its employees. [ Electronic Messages Exchanged Are Attached ] | ||||||
| 08/10/2023 | Yes |
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| We are seeking return of funds to a Chase Bank checking account that were stolen by a former XXXX client through check fraud. The problem holding up the return of stolen funds to the Chase Bank account is the simple failure of Chase Bank and XXXX to communicate with each other. The check fraud and responsibility for recovery is not in dispute by either bank. Funds are not being returned to Chase Bank by XXXX simply because the two major banks are unable to communicate between their respective Check Fraud departments to obtain the necessary documentation for fund recovery. Neither Chase Bank or XXXX acknowledges receipt of correspondence from the other bank via letter, fax, or e-mail. They both further refuse 3-way calls between the banks, hosted by the impacted client to facilitate communication between the banks. Help is kindly requested from the Consumer Finance Protection Bureau to have Chase Bank communicate with XXXX to recover stolen funds through check fraud as the two banks are unable to communicate on their own. We recognize it sounds ridiculous and unprofessional that two major banks are unable to communicate which is why we reached out to the regulator, Office of the Comptroller of the Currency who in turn directed us to the Consumer Finance Protection Bureau to seek assistance. Abridged Summary : A check fraud case was opened with Chase Bank on XX/XX/XXXX, 2 days after discovery of stolen funds through check fraud for a Chase Bank check # XXXX written on XX/XX/XXXX and cashed by a XXXX client XXXX XXXX on XX/XX/XXXX. Online check image examination showed Check # XXXX had a very obvious and blatant altered and forged payee, an altered and forged memo, and an improper and forged endorsement on the back. Chase Bank provided the name of XXXX as the depositing bank. After delays due to miscommunication and negligence by Chase Bank, Chase Bank sent a claim letter to XXXX for recovery on XX/XX/XXXX. Chase Bank sent a second letter to XXXX on XX/XX/XXXX and notified the client on the same date that the check fraud claim was being closed, and for the client to contact XXXX directly for recovering their funds. Chase Bank claimed they were closing the check fraud claim opened on XX/XX/XXXX because XXXX did not respond to either of Chase Banks two letters. After a month of continued effort to recover funds with Chase Bank with no progress, XXXX was contacted on XX/XX/XXXX and XXXX in the XXXX XXXX XXXX Department stated that XXXX had opened Case Number XXXX in XXXX XXXX XXXX on XX/XX/XXXX and that Check # XXXX from Chase Bank XXXX XXXX altered and caught by the XXXX systems XXXX Why XXXX processed a blatantly forged and altered check that was flagged by their system was unanswered. XXXX from XXXX suggested going to the local XXXX branch with the evidence and requesting assistance. On XX/XX/XXXX we went to the local XXXX branch and provided the affidavit submitted to Chase Bank on XX/XX/XXXX, proof of alteration submitted to Chase Bank on XX/XX/XXXX, and letters from Chase Bank. After a month of communication with XXXX, XXXX opened Case # XXXX and assigned XXXX XXXX from the Enterprise Client Relations Team to support us. After months of working with XXXX XXXX since XX/XX/XXXX, XXXX has specifically acknowledged that funds will be returned when valid documents are received from Chase Bank. XXXX XXXX XXXX XXXX sent an XXXX XXXX XXXX and XXXX XXXX to Chase Bank on XX/XX/XXXX and XX/XX/XXXX respectively. In multiple calls to the Chase Bank Check Fraud department, Chase Bank claims no letters were received from XXXX. In short, help is requested from the Consumer Finance Protection Bureau because Chase Bank and XXXX are unable or unwilling to communicate to return stolen funds, with Chase Bank abandoning their client. Instructions above state not to provide personal information at this stage. Reference information below. Chase Bank Internal Reference Numbers provided by XXXX on XX/XX/XXXX XXXX XXXX Claim # XXXX Check # XXXX XXXX Case XXXX : Case No : XXXX being worked by XXXX XXXX XXXX XXXX XXXX Original Case No : XXXX from XX/XX/XXXX, provided by XXXX. Additional Information Available Upon Request : Copy of Altered and Forged Check ( written XX/XX/XXXX, deposited XX/XX/XXXX ) Declaration of Unauthorized Endorsement or Altered Item ( Affidavit ), XX/XX/XXXX Proof of Alteration, XX/XX/XXXX Letters from Chase Bank to the Client ( multiple ) Letters from Chase Bank to XXXX XX/XX/XXXX and XX/XX/XXXX Bank Statements, Account Numbers, Names Letter from XXXX to Client assigning Case No : XXXX dated XX/XX/XXXX Unabridged documentation of all communication between Chase Bank and XXXX - Detailed proof of Chase Bank negligence with respect to their client Call recordings from Chase Bank and XXXX Bank E-mails to Chase Bank and XXXX ( many ) | ||||||
| 05/19/2022 | Yes |
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| Hello, I am writing to the CFPB to file a formal complaint against Chase Bank. These are the events that transpired. I was using the feature on my banks website to pay bills electronically. The transactions in question were payments made to my utility company, XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments of {$50.00}, {$50.00}, and {$100.00} respectively were sent to XXXX. I initiated these payments via their website the same way I always submitted utility payments. In XXXX of XXXX I was shocked to see that I had a balance of {$440.00} with XXXX. Upon further investigation, my account reflected no payments received from me since XXXX of XXXX. There were more payments sent to XXXX other than the XXXX mentioned above, but only those three were debited from my account. The other payments would later be canceled. I have had some issues with XXXX so I initially believed this was a XXXX problem. After a bunch of back and forth, I realized that the payments were not sent electronically. Chase mailed physical checks. Chase cut checks with my name and current address as the payor and mailed the checks to my old address with XXXX as the payee. The checks were cashed by someone else. I called Chase once I realized the source of the problem. Chase recorded a claim on XX/XX/XXXX. On XX/XX/XXXX, Chase credited my account the {$200.00} that was lost. On XX/XX/XXXX, Chase took the {$200.00} back out of my account. When I called to find out why the best answer I could get was that there needed to be an investigation. They wanted me to fill out these forms, a Declaration of Unauthorized Endorsement or Altered Item, and fax them with copies of the checks. I was told that once they received this paperwork, an investigation would begin which could take up to 90 days to resolve. These forms basically state that Im a victim of fraud and that these checks were improperly endorsed by someone other than the payee. The problem with this process is that Chase is the victim of fraud, not me. Im a victim of Chase and their mishandling of my utility payments. I did not cut checks to XXXX and I certainly did not mail them to the wrong address, Chase did. All of my payments to XXXX prior to this were electronic and always received without issue. I filled out the forms, took them to a local Chase branch, and had an employee fax them on my behalf on XX/XX/XXXX. After an hour, I was informed that the fax was sent but they could not confirm that it went through or that it was received. On XX/XX/XXXX, I called the bank to confirm they received my fax. All they could tell me was that they received 15 pages from me. Now I would have to wait out the 90 days. On XX/XX/XXXX I decided to follow up on the status of my claim. I was told that my claim was being escalated and sent over to the investigation team. After what felt like teeth pulling, I found out that the 15 pages I faxed over 2 months ago had gone nowhere but because I called, they could now send them over. I was told that after sending these documents over to the investigation team, it would take 5-6 days to get a response. I called back on XX/XX/XXXX to go over the timeline of events since the beginning of my claim. A Chase employee verified dates and assisted me with organizing an accurate presentation of this experience in the event this wound up in court. She also made sense of my last conversation. She said that after sending over the documents, I was supposed to call back and assert my claim. She apologized if that had not been explained to me. This means that after the bank sent my utility payments to the wrong address, funded the checks, did not refund my money, made me fill out and fax 15 pages to file a fraud claim, I was supposed to call back and tell them I wanted them to conduct an investigation. The 5-6 days for a response from the investigation team had passed so I thought I would check in. I called Chase on XX/XX/XXXX. I was told that my claim had been forwarded to ANOTHER investigation team and the 90 days starts over as of XX/XX/XXXX. In conclusion, Chase bank sent checks from my bank account to the wrong address and someone else cashed them. Their response to their mistake was making me jump through hoops to get my money back while providing nothing but runaround. This investigation has not progressed one iota since its inception on XX/XX/XXXX. Im hoping that the CFPB can assist me in getting the {$200.00} of my money that Chase gave to someone else. I understand that this was probably an honest mistake and that an investigation should be conducted. I dont believe that I should have to wait to get my money because this was a mistake that Chase made, not me. I appreciate any assistance you can provide and I have submitted supporting documents for my claim. | ||||||
| 01/31/2019 | Yes |
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| I was looking for an XXXX XXXX to purchase on XXXX and stumbled upon one being offered for {$330.00}. The description of the phone advised to message the seller so i did. She said that the transaction would not process through the app, and from experience that has happened, and she told me to message her on XXXX @ XXXX. I messaged her asking for details about the phone and she asked when i was planning on purchasing and i said could i purchase now and she asked if i had a cash app and i said XXXX. I was skeptical and worried and asked to try to buy through the app, she said the app isn't working and that it'll just refund me and asserted me that she will send confirmation shortly after she ships. She send me her phone number for XXXX : XXXX and i sent her the money. I waited for the confirmation until wednesday when i started to become suspicious and at the time the payment was still processing. I could've stopped it through chase at the time since it was still pending, but when i messaged her saying " you know the money 's going to transfer out of your account right? '' ( because it is fraud ) she asserted me and replied " IVE SHIPPED OMG '' and i apologized for startling her and said " i just need to know i can trust you. '' Later that night at XXXX of the XXXX she sent a screenshot of the confirmation from XXXX stating the package information of 1.67 lbs package from XXXX, XXXX, US to XXXX where I live and it stated it would arrive by Monday night on the XXXX. I waited until Monday night and it never arrived and I messaged her asking for updates on the shipping and she never replied. That night I looked at the confirmation more thoroughly and realized that it wouldn't make sense for the package to weigh 1.67 lbs as XXXX only weigh a few ounces and could only be 1 lb max. I messaged her claiming it has to be a scam and im calling chase tomorrow and she blocked me. Realizing i've just been scammed for {$330.00}, pretty much all the money i have. I waited until i had time on Wednesday the XXXX, yesterday morning to call Chase and spent two hours on the phone trying to settle the scam, but Chase continued to turn me down claiming it's a XXXX and authorized and they can't do anything about it and that my claim would be closed. On XXXX when someone blocks you the messages disappear so I couldn't screenshot the messages at the time. I messaged her on another account frustrated telling her i'm a XXXX and begging her to send the money back and she said " chill '' and told me to accept my follow on my other account she blocked me on and that " i'll give it back because i was in college once '' and i said thank you for understanding. Then after i accepted her follow, she continued with " you don't need the money you have a phone '' trying to justify herself scamming me. I apologized saying sorry for being XXXX as i felt very XXXX and asked to please return now and she replied with " it's my fault lol '' and " i'm very sorry i want to send the money back but i don't know how to. '' Then she claimed she used her friends XXXX and that they never gave her the money so i asked " is your friend scamming you? '' and she said " yes '' and she said " i will get your money back, '' " i will try '' and she never did. Then today, I went to Chase and opened the messages to show the representative, and as it shows that i am active, she ended up blocking me on both accounts and probably deleted her account because i can't look her up anymore. This was completely a scam and I wish I was more careful. I thought Chase could recover and correct frauds but when i went today they said also the same as they did on the phone and they didn't look at the evidence i had to provide and just said all they can do is try to process a recovery, but the seller deserves to be punished and the money should be taken out of her account to be returned to me, not some recovery fund that i'm doubtful will even process because they didn't care to look at any evidence. Justice should be served and she doesn't deserve the money and she really feels entited claiming she needs it more and that justifies her scamming me. It's not okay!! Please fix this for me. It will never happen again I have learned and I will advise others regarding XXXX when processing a transaction like I have. She knew what she was doing!! She's so sure she'll get away with it ... Please tell me you can reverse this scam and settle it back to where everything rightfully belongs. She blocked me on both as of today and I can't check her messages anymore as they've disappeared. The screenshots i have are all i have, but please the messages make it very clear it's a scam ... please ... she even admits to it. I never got the XXXX and she has run with my money i don't know how else to contact her!! | ||||||
| 07/20/2021 | Yes |
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| On XX/XX/2021, my friends decided to purchase pizza while at a resort in XXXX, XXXX. Since they did not have their cards on them at the time, they asked me to pay for the transaction. The gentleman who delivered the pizza was supposed to charge $ XXXX which translates to roughly $ XXXX. The guy pressed an extra 8 at the end by mistake, making it {$4800.00}. He quickly realized his mistake and ejected the card so the transaction would not go through. He gave me the receipt to prove the transaction was cancelled. The receipt reads " XXXX XXXX '' which translates literally to " Card Retired/Withdrawn '' as in the card was taken out prematurely and the transaction was cancelled. A week passed and the transaction did not appear on my statement until XX/XX/XXXX. When debit cards/ credit cards are taken out of terminals prematurely, transactions do not go through. That has been my experience in the many years of using the XXXX card to pay for products and services. If the card is taken out prematurely, the transaction does not go through. I opened a dispute with Chase, which granted me a provisional credit while they conduct a review. The team at Chase reviewed my receipt and came back with two excuses as to why they are rejecting my dispute. 1- " The amount was found to be " in excess '' of the amount I was disputing, as the receipt listed $ XXXX as opposed to the ~ $ XXXX " The absolutely brilliant individual that reviewed by case did not use common sense that the amounts needed to be exchanged to match. As of todays date, $ XXXX exchanges for roughly {$240.00}. Exchange rates change daily, however I would have assumed that Chase would have used logic and seen that the amounts are the same, just listed in different currency. 2- " The name of the merchant was not on the receipt. '' This just shows me that they weren't paying attention to my case and just want to keep my money since " XXXX XXXX XXXX '' is listed right at the top under " XXXX ''. XXXX is the name of the bank the merchant uses for their transactions. I believe they are a XXXX XXXX in XXXX. I have highlighted the sections of the receipt that negate both of their reasons for rejecting my dispute. ( see attached ) Today, I gave them a call, and an agent by the name of XXXX noticed that XXXX is listed ( negating their second claim that it isn't on the receipt ) and she also noticed that the amount is listed in XXXXXXXX XXXX, which negates their first claim that the amount is in excess. She tried to work with her leadership team which refused to reverse their rejection on the grounds that the receipt does not say that the account was credited for this amount. Please note that different merchants write different things on their receipts, and as stated above, every time I withdraw my card prematurely here in the states, the payment terminal tells me that the card was prematurely withdrawn and to try again. Never have I had an account withdraw my funds if the card was prematurely withdrawn and I don't always get a receipt from whatever payment terminal proving that it was withdrawn. In this case, the gentleman from XXXX issued a receipt that says the card was withdrawn prematurely. Chase refuses to use this as proof ( although its the only piece of paper that the gentleman provided ) because it doesn't say that the account was credited for the balance. Why would it credit something that was not debited? The transaction was cancelled. It was not supposed to go through. It just looks like Chase is moving the goal posts here. Trying to keep my money, when this is clearly fraudulent. When I spoke to a supervisor at Chase, I told him that I do not live in XXXX, I live in the United States. I don't have a way to easily contact the merchant/vendor. I sarcastically asked if he needs me to fly back to XXXX to speak with the merchant so that I can get my money back. He responded yes. He told me that I should fly to XXXX to speak with the merchant. I do not believe this is adequate behavior in how Chase should be treating its customers. Especially when proof has been given that the transaction was cancelled and their previous two points have been negated. They are just looking for reasons to reject my claim. This is predatory. I managed to find the vendor 's phone number online after this call, but they are unable to find my transaction on their end. Which further proves that this transaction was not supposed to go through. So on Chase 's end they are claiming this went through ( even though the receipt says the card was withdrawn.. it doesn't say approved anywhere ), but on XXXX 's end they do not see this transaction. Looks like the money is lost in the air then and Chase is trying to use this transaction to take my hard earned money. Please correct. | ||||||
| 04/08/2021 | Yes |
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| I am having very difficult time with Chase dispute department to address a matter of charge of XXXX by XXXX XXXX XXXX that Never provided the service as define d, described, and agreed upon. Here is my issue with chase that refused to open my dispute and properly address my dispute. I am disputing this charge on the basis that XXXX XXXX who charged my credit card, but used its partner XXXX XXXX to service my trip, purely and simply denied my trip without reason. On XX/XX/2021 I was at the XXXX XXXX to fly domestic to XXXX and I was purely and simply told I would not be allow to onboard and I should rebook my fly by XXXX XXXX Agent ( a XXXX Lady ). Here reason was : She doesn't think I can make it to the plan on time to fly. Which I argued and since she refused to check me in I missed my fly. This refusal come from XXXX XXXX, a partner of XXXX XXXX. I called XXXX XXXX to informed them of the incident and they stated that they can't do nothing about this because they are not handling this fly. ( Still XXXX XXXX CHARGED my card meaning they are fully responsible for my trip ). XXXX XXXX refused to rebook me, and directed me to call XXXX ( the company that booked my fly ) to do another reservation. I then call XXXX and who agreed to schedule my departure the next day. Same location and same time and still charge me fly changed fee when this whole situation was the XXXX XXXX on Behalf of XXXX XXXX who failed to fly me from XXXX, GA to XXXX where I was scheduled to fly XXXX XXXX Once I was rescheduled, I showed up ontime the next day, nicely dressed with all my paperwork : Covid-19 test proof, passports and all documents. surprisingly a XXXX man with an unpleasant attitude approached me acting as if he would be helping me. I presented him all my documents and government documents, but that XXXX XXXX agent, stated that he would not let me onboard on the basis that he doesn't see a document that is recommended to have since I am traveling in XXXX. Again I showed him proof of my citizenship of that country which automatically do not applies to me. Still he insisted to hold me on the ground when others XXXX XXXX Employees observed the situation and informed him that I am cleared and can go. Well that XXXX XXXX Agent ( XXXX man ) sure used professional racism approach when discussing with me. These are questions that he asked me : Are you XXXX or XXXX? I stated I am US Citizen and I am traveling in XXXX for business matter. He then asked me if I speak other language other than English? I said what's the point of my language? I was speaking English with the man all the time. He asked me if I was married and if I had kids? well the agent was sure holding me on the ground for no reason. So I asked him to contact XXXX XXXX and informed them of the situation and he denied to do so. I pursued my demande to him as of why I can ' t fly? and he insisted because I do not have " A RECOMMENDED '' document. I had all REQUIRED documents but the man use his own personal preference policy to block me. I then call XXXX XXXX again, and as usual they said they do not serve this flight and asked me to figure out how to get in XXXX to fly with them. Again all the fees was paid and book with XXXX XXXX that also decided to booked me with XXXX XXXX to fly from XXXX to XXXX. XXXX XXXX did not provide any support whatsoever to help this matter addressed after 2 days of missing my fly. Feeling desperate to understand the situation, I asked XXXX XXXX to contact XXXX XXXX to refund my money which they denied to so. I again contacted XXXX XXXX and ask for refund and they told me to contact my booking agent for the refund. I contacted XXXX that apologized about the incident and agreed to refund my money. Which they did. XXXX did nothing to address the matter. and their statement is pure lies. I faced XXXX discrimination from XXXX XXXX and caused me lost of days and time and money. I was then obliged to book with XXXX XXXX and flew the the country the same day without a single issue. The same documents I used and showed to XXXX XXXX were the same I showed to XXXX XXXX there was no single problem. Initially Chase reversed the charge and then debited again on the basis that XXXX XXXX provided proof of charge. Well looking that document that is not even readable and also not providing anytime, Chase seems to be more happy to charge me without investigating the incident. I contacted chase and ask to open the dispute which they refused without valid reason. the fee is too high for me to access this charge that XXXX XXXX never want to help address and refused to let me fly when I did nothing wrong. FYI : XXXX Fully refunded all extra fees, booking fees and apologize for the incident. It seems that Chase is not understand that statement. | ||||||
| 09/27/2022 | Yes |
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| XX/XX/XXXX XXXX text alert that there was a possible fraud transaction. I logged into my accounts I saw a total of {$37000.00} had been transferred from my savings account on XX/XX/XXXX and XX/XX/XXXX. I immediately called the XXXX number on the back on my Chase debit card. The representative told me my debit card would be cancelled but the saving account issue would require me to contact a different department the next day between XXXX XXXX. She told me she was giving me their direct number ( XXXX ) XXXX and to select option # XXXX. XX/XX/XXXX called the given number and spent XXXX hours, speaking to XXXX different individuals. The third person shared that my money was transferred to a newly opened business account " XXXX XXXX XXXX, XXXX '' in XXXX TX. She inquired if I had any affiliation with this business, I responded " No ''. After more questions she told me the fraud department would be investigating the situation and would be in touch. She asked if I would like to be kept informed of the progress. I responded, " of course ''. I didn't hear anything for five days. XX/XX/XXXX I went to my branch to speak to them and check on the status of my situation. The teller, XXXX, spent over 2 hours investigating It was determined very little had been noted in the computer regarding the theft. They felt that I was a victim of identity theft and recommended that I file a police report. The rep on the phone said my accounts would be froze and I would need to open new accounts. Next, XXXX relayed the individual who is impersonating me had withdrawn money from the fraudulent business account and as is Chases policy, a 10 day wait period would mean the check would be sent out in exactly XXXX business days, on XX/XX/XXXX. Since the business account is in my name it would be sent to the address on the fraudulent business account : XXXX XXXX XXXX XXXX, XXXX, TX XXXX. In order for me to get my money back I would have to put a stop payment on this check. XXXX provided the number ( XXXX ) XXXX and to select option # 1. The claim number for this situation is XXXX. I was told the amount of the cashiers check was for {$37000.00}, the total amount transferred ( stolen ). XX/XX/XXXX Opened new bank accounts. XXXX XXXX XXXX shared information that the individual who had done this actually went into the branch in XXXX. He authenticated me and asked me for my signature. He then showed me the withdrawl slips the person completed. It was clear our signatures are different and we are not the same person. The bank has cameras everywhere, the fraudster was there on XX/XX/XXXX withdrawing {$17000.00} and XX/XX/XXXX withdrawing {$9000.00}. XX/XX/XXXX Called Chase to inquire about the progress of my situation. They would not give me any information over the phone and said I needed to go to a branch to be authenticated. I went back to the XXXX branch and met with the branch XXXX, XXXX XXXX. He authenticated me. XXXX made the call for me, and was told the claim had been closed as of XX/XX/XXXX. He questioned this and finally the rep decided to open a new claim for identity theft # XXXX. I was told the fraudulent XXXX XXXX XXXX, XXXX business account was flagged and the imposter had been contacted via phone and email to come to the branch to be authenticated but had not shown up. XXXX told me I would be receiving a packet to complete regarding this claim and to fill out and include the police report, when I was done to bring back to them and they would fax for me. XX/XX/XXXX My husband and I went to the branch and met with XXXX again. I had received and completed the packet Identity Theft Declaration of Claimant and he faxed with the police report for me. While we were in his office, I made the call for the stop payment on the cashiers check from claim # XXXX. We ( my XXXX, XXXX and I ) spoke with the Chase rep via speaker phone, he said the check was being mailed to address on the account XXXX XXXX XXXX XXXX, XXXX. This is the fraud address. XXXX and the rep corrected in the computer. The rep told us ALL ( {$37000.00} ) my money would be electronically returned to my account in 7 business days, by XX/XX/XXXX. He then back pedaled and said give it until XX/XX/XXXX, I agreed. On XX/XX/XXXX I called Chase to inquire about the transfer that should have been happened on XX/XX/XXXX. I spent XXXX hours on the phone. The call ended abruptly when the Chase rep stated my claim had been denied on XX/XX/XXXX. He wouldnt give me any additional information at that point or why. This contradicts everything I had been told. XXXX, the banker also called a few hours later to follow up, I told him what had happened, XXXX stated he would draft a customer complaint on my behalf and that I would receive a call early next week from Chases customer relations. | ||||||
| 11/25/2021 | Yes |
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| I XXXX XXXX an XXXX XXXX American and own a business XXXX XXXX XXXX XXXX The business deals in wholesale of bed and bath It is a minority owned business and has always been profitable for over 15 years I am writing this complaint in regards with Chase Bank XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX and 3 Credit Bureaus incorrect reporting Sometime in XXXX XXXX XXXX from Chase Bank and her senior credit officer were working on asset based lending application for XXXX XXXX XXXX to replace our existing lender and move with chase bank We were requested to open a corporate business bank account in order for them to process that application as they said it is mandatory that in order for chase to lend to a business that business must have a business checking account with chase bank so we opened one Now while our lending application was being reviewed the bank manager XXXX XXXX XXXX at XXXX NJ chase branch offered a preapproved XXXX guaranteed business credit card for our business with no personal guarantee which looked like a good deal and we signed up We worked in good faith with bankers with an understanding that it is just business account However during my phone call on XXXX XX/XX/XXXX XXXX employee ID XXXX and supervisor XXXX XXXX ID XXXX informed that it is a Joint account which came as a shock and is absolutely incorrect and we disputed that Credit was extended to a business by chase bank and not to an individual and that too with XXXX guarantee and not a personal guarantee Additionally from the date of opening the above referenced business credit card account in XXXX until XXXX or XXXX XXXX no reporting was ever done on XXXX XXXX personal credit with any of the 3 bureaus XXXX XXXX and XXXX because it was always a business account with business liability only and all statements and correspondences were sent to business address and business email We have multiple credit reports for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX and can be provided upon request Lately we noticed that sometime in XXXX or XXXX of XXXX chase XXXX XXXX on XXXX XXXX personal email address instead of business email address while the business was going through court proceedings with XXXX bank and also noticed that chase started reporting this corporate credit card on XXXX XXXX personal credit file with all 3 bureaus XXXX XXXX and XXXX as individual credit card which seemed atrocious & frivolous and is again incorrect We disputed the same with all 3 credit bureaus and we were advised by all 3 bureaus to contact chase bank also for same which we did and request for following We requested Chase Bank to 1 provide us a copy of executed corporate credit card opening documents via fax XXXX XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately and also via postal mail and point out where it reflects that XXXX XXXX signed up a personal credit card or he signed personally liability or joint liability since that was an XXXX guaranteed corporate card 2 remove all reportings from XXXX XXXX personal XXXXredit with all 3 bureaus XXXX XXXX and XXXX effective immediately as this is a business account only with no personal guarantee We also informed both the agents that there is a litigation pending with XXXX XXXX multiple reasons including discrimination and a replevin order was passed by Honorable Judge in XX/XX/XXXX and our bank account were frozen and no payments can be made until that case is settled Same was sent to Chase Bank via Fax as well as Certified mail and can be provided upon request It was also informed that I have no money and my family with 2 children is surviving on unemployment money from NJ State and is unable to pay It was also informed that I have bad medical condition and is undergoing through medical treatments and can not take any stress as it may adversely affect his health and family We also learned from the agents that chase bank will charge off this account on or about XXXX XX/XX/XXXX which we requested to hold off till we receive the executed confirmation on validation of the requested debt from Chase Bank but till date Chase did not provide any documentation or response to our request rather they also charged off that corporate account Also when either of 3 bureaus contact Chase bank they resolve my dispute by stating reporting is accurate and do not provide any documentation stating that and the 3 bureaus close the dispute I have been disputing the same multiple times but fail to receive any response from Chase Now as a result of Chase false notification the other creditors have started closing their accounts for XXXX XXXX XXXX XXXX XXXX and XXXX are to name a few Chase Bank has conned me false fully and forcing my foreclosure Chase Bank Business Credit Card Statement is attached for your reference. Please help | ||||||
| 08/16/2022 | Yes |
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| I made a purchase on XX/XX/XXXX from XXXX, the merchant, and received an email confirmation that my order was received and said it would be sent out shortly. The next day I received an email asking that I verify the XXXX small amounts that were charged onto my card to validate that I was the cardholder. I promptly responded and once I responded, a couple of hours later, I was told that my purchase was accepted and that my package will be delivered shortly again. I paid for express XXXX shipping and the original delivery date was XX/XX/XXXX. On the XXXX, I had still not received either an email with a tracking number or produce I had purchased so I gave XXXX a call to see what was going on with my order. During that call the representative made me aware that my package had not yet been sent out and apologized for the inconvenience. At this moment, I made the request to change my shipping address and continued to wait for my package. On XXXX XX/XX/XXXX, I received an email confirming that my shipping address had been changed and stating that my " order was approved to be shipped to your new requested shipping address. '' On this same day I received an email from XXXX stating that package had been delivered but there was no package. I checked both locations and nothing from the merchant had arrived. I took the fact that it was holiday season into account when deciding not to rush contacting them again in regards to the matter. But on XX/XX/XXXX, I had no choice but to email XXXX to make a complaint and requested information about my missing package. I got a response on the XXXX, I was told to anticipate an in-depth response within XXXX business days or to try their self service options. So I waited another week before contacting them and on XX/XX/XXXX I asked for a follow up because I still hadn't heard from anyone about anything. XXXX responded on XX/XX/XXXX asking basic questions about the order. I answered and also voiced that I am becoming impatient with waiting on my purchase and that I'd like a refund. XXXX then says that there was going to be an investigation that needed to be conducted and that nothing could be done until the XXXX week investigation period is complete. To my understanding, the investigation process should have started the day I inquired about my package back on the XXXX. I even asked if they'd expedite the investigation process because now it's almost a month since the original purchase. This conversation was held on XX/XX/XXXX. On XX/XX/XXXX, I had still not received any update from XXXX, I notified them that this was ridiculous and asked for an update. They then told me that they had just recently started my investigation, at this point it's been over a month since I made the purchase and I notified them that I was going to handle the matter with my financial institution for further help. Chase gave me the money back then reversed the credit saying that the evidence provided by XXXX shows the package to be delivered and even signed for. In the evidence provided there are multiple discrepancies within the documents as well. On all of the paperwork provided by XXXX it reflects the updated shipping address, but on the tracking information provided by XXXX it says that the package was sent to the original address. I also have email documentation, dating back to XX/XX/XXXX, of the confirmation of my shipping address change which is the same day the package was supposedly delivered, which is impossible. On the document sent to me from Chase with the evidence from XXXX, it says that the " order was shipped to the verified address and was signed for. '' Which is incorrect. The XXXX label indicated that the package was never signed for nor was it delivered to the intended address. All this is evidence that Chase had access to while making their decision but choose to disregard. Below I have attached in depth email conversations between the merchant and I to give an accurate timeline of the situation at hand. The attachments include dates and times per email from the beginning to the end. I've sent over some of these documents before and was told that those documents had been recieved but werent going to be used in determining the outcome of my claim. For what reason? I have no clue but this is not what I'd expect from my financial institution. I just like for my money back. Chase has closed my account because of the matter even after I've given them all the documents they've asked for to support my claim. I've even gone to several branch locations and let everyone from managers to private bankers hear my story and see the documentations both printed and directly from the email. They've validated my claim but this situation is above them and Chase corporate office isn't supporting me as a loyal client. | ||||||
| 11/24/2019 | Yes |
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| I am responding to your contact about a debt you are trying to collect. You contacted me by phone and direct mail. Your office has identified a debt that was quoted from a debt buyer. Currently, I demand complete authentication of debt ownership. Your office will be reported to the Consumer Financial Protection Bureau for the operation of a fraudulent scam operation, claiming ownership of debt that simply does not belong to your agency, and therefore I am still protected under the Fair Debt Collection Practices Act. Your office must cease and desist all further activities against me for this illegal collection practice immediately and purge my personal information from your collection operations permanently. [ any information they gave you about the debt ]. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX Member | ||||||
| 06/18/2017 | Yes |
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| Chase bank unlawfully seized my funds and allowed power-of-attorney funds to be wrongfully extracted from the account " via, card usage via online via, atms, of chase that dont work, and in a manner by which XXXX did n't prescribe .and in cyberspace, for the last week actually since the last week and a half and running I been expecting all my refunds of XXXX $ -x2, last Friday think week of 9 # a XXXX rep told me balance was {$4500.00} but whe n I went to account it was -by {$100.00} say u go to chase with XXXX XXXX they allow '' anyone really to take XXXX XXXX and they allow XXXX XXXX to be taken and it says pending '' yet the money is gone! when you go get your money atm inquire '' you take out XXXX XXXX basically for example now say that you 're XXXX XXXX ( - ) when you know you had XXXX XXXX in the account, funds from a '' power of attorney fun ' '' nonnamematching '' transactions chase allowed on my account to go thru they XXXX up '' thn this bank allows funds to get extracted from the account and in the manor by which doing did n't prescribe and in cyberspace for the last week actually since the last week and a half and running i tallked to the phone rep XXXX to dispute a XXXX $ XXXX transactions chase falsely said was pending " on a 3way call with me n XXXX'verifiation ccard dept employee # XXXX during this called chase divulged informatiin it shouldnt had to this XXXX XXXX stating i had {$4700.00} in my account but next day it was negative by {$480.00} "! ( and that XXXX XXXX {$110.00} would have been giving back to me '' still nothing n my XXXX refund still zilch, chase is guilty of online credit card banking vuknerabikities, allowing Attempts '' -To-even go thru '' but deliberatly taking the funds from a consumer n never refund the funds.labelling it falsely as aa memo ( thats never returmed i got XXXX $ missing from my account chase no refund ) -to the account there Falsy fraudulent fake XXXX scam schemes of telling whats available n unkawfully '' garnershing my poa, funds is unlawful on each tier '' cuz they dont have rights or delegated power or contract to do so and miss wording, lies on telephone by XXXX ai n't gone cut it.these XXXX XXXX XXXX XXXX big XXXX computer concubine " asking us consumers for our data to Robb us blind '' and miss represent painting that something pending ( confusing XXXX XXXX XXXX up my records n bank files and Real reason for calling is very bait '' & switch and very elusive in deceptive .2days ago n fact by mail I received something from them saying some things wrong or been corrected etc n see attached page but their was is no such said page attached in the mail letter from chase even .more pretextual '' XXXX XXXX XXXX XXXX XXXX they got ta register as " debt colle tors, right away I do n't owe chase nothing, theirs nothing in my contract stating '' I allow them to seixlze my funds or allow XXXX XXXX XXXX, to walk out the bank without a pin or my authority, n allowing merchants my funds but stating '' declined and THEN LIEING TO ME SAYING PENDING, YET ITS GONE NO ACCESS TO $ (? )!! IS A IMMENSE FRAUD! I REFUSE TO KEEP UP WITH! NOW FOR EXPOSING WHAT THEY ALLOWED ME TO PULLOFF IN 2014 TO THE CFOB FEDS N FTC THEY RETALIATING ON MY MOMS ACCOUNT NOE SEE ATTACHED WHICH IS WHISTBLOWER VIOLATIONS PERIOD! I DEMAND AMERICANS TELEOHONE HELP HERE ON OUT AINT NO XXXX XXXX CONTROLLING MY FUNDS LIKE THEY DID WITH THISE XXXX XXXX XXXX XXXX XXXX IM A VET WE IN CONTROP OF OUR US DOLLARS! CHASE IS GUILTY OF FALSE STATMENTS, BY BANKING SECTION 806-UNDER THE CODE BY MISTATING WORDS N AMOUNTS N AVAILIBILITY REPEADETLY CAUSING DECEPTIVE RESULTS N PEOPLE TO SPEND MORE THAN THEY HAVE IS HIGHLY FRAUDULENY, PROFITABLE THEREFORE AFTER THE CFPB CALLS THE XXXX '' AKA, FRAUDCROOKS XXXX N VERIFY WHAT I SAID ITLL ALL MAKE SENSE IF MY ACCOUNT DOESNT GET ADDITIONAL XXXX $ ILL SUE .learning today at atm I was seized '' wrongfully vs my consent wishes orders I 've been without food n supplies art n clothes socks n a car thanks to chases unlawful banking practices n civil rights conspiracy vs my own money I want them fined heavy for this n for retaliation! By not verifying proving their bond n authority by law with USA government n by not displaying entire debt n showing my signatures for any of non received goods or, by trying to mislabel my reasobs'for calling all these XXXX XXXX XXXX XXXX days! I 've suffered starvation! AINT NO COMING BACK FROM THAT FOREIGN FLIPS N USES N SEIZES MY MONEY XXXX XXXX XXXX CHASE! THE DEBT COLLE TION, ACTS TAKING MY CASH MUST BE FOLLOWED TO LETTER N TRUTH N LENDING N UNDER 15TITLE USV 42-1692SECTIONS E-K, CHASE HAS INVOKED FEAR N HARM N CAUSED ME HARM BY THEIR PREJUDICIAL DENIAL OF SERVICES VS ME A XXXX N DENIAL OF DOOR ACCESS WITH XXXX ADULTS BIKES ETC IM THREW WITH CHASE. | ||||||
| 02/21/2019 | Yes |
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Web | Servicemember |
| Chase Mortgage Re : Error Resolution Notice under 12 C.F.R. 1024.35 We are filing this complaint and Qualified Written Request to appropriately resolve errors pertaining to the mortgage on our property. Our mortgage is in arrears because Chase failed to recognize us as legitimate successors in interest ( XXXX ) to this property which we inherited from my father, a U.S. military veteran with a VA loan serviced by Chase. He died in XXXX and willed the property to us through his uncontested last will and testament. Chase failed to abide by the rules specified CFPB Bulletin XXXX pertaining to identifying and notifying legitimate successors in interests of their rights under the law. If Chase had promptly recognized us as legitimate successors in interest we would have been able to keep the mortgage payments on this property current. Due to the mortgage being in arrears, we have attempted to file a Chase Request for Mortgage Assistance application 30 times since XX/XX/XXXX. We have sent our applications to Chase offices in XXXX, Colorado, XXXX, Ohio, and XXXX, Florida by USPS certified mail, XXXX, XXXX, and fax. Each time we have submitted our application, Chase either tells us they did not receive all of our documents ( lost them ), or Chase ignores our application altogether. We filed our most recent application with our dedicated relationship manager at Chase in early XX/XX/XXXX. We sent our documents via XXXX ( delivery and receipt confirmed ) and by fax to the offices of our dedicated relationship manager in XXXX, Florida through a local Chase branch bank. The branch manager and vice president of the bank confirmed her receipt of our faxed documents. We never received any response from our dedicated relationship manager ( or anyone else at Chase ) to our application submission in XX/XX/XXXX, and we have strong reason to believe that our paperwork has been lost again and key documents submitted with our applications have NOT been processed. Our advocate at the U.S. Department of Veteran Affairs informed us that he was told by Chase officials he communicated with in XX/XX/XXXX that they ( Chase employees ) were having trouble identifying, sorting, and processing the documents we submitted with our Request for Mortgage Assistance application in XX/XX/XXXX. Chase also authorized its law firm to initiate foreclosure proceedings on our property on XX/XX/XXXX in direct violation Georgia law. According to the Georgia Office of Attorney General, Georgia law ( Official Code of Georgia, Sections 44-14-162 through 44-14-162.4 ) requires that a notice of sale must be served on the original mortgagor or current owner, by certified mail, return receipt requested at least 30 days before the date of the proposed foreclosure sale. The notice must be sent to the borrowers last known address, which is the address listed on the Deed to Secure Debt or an address the borrower has subsequently designated with notice by certified mail to the lender. Chase ( and its law firm ) did NOT provide ANY notice to us of the proposed foreclosure sale on XX/XX/XXXX via certified mail ( or through any other means ) as required by Georgia law. As a result, we did not become aware of the pending foreclosure actions within the time frame required by Georgia law. Both our attorney and our advocate in the U.S. Department of Veteran Affairs have confirmed to us that your present foreclosure attempt is not legal and valid. The failure of Chase ( and its law firm ) to abide by Georgia law in this instance is an egregious error that Chase must rectify at once by cancelling the pending XX/XX/XXXX foreclosure until our personal and confidential documents associated with our recent Request for Mortgage Assistance can be located and properly processed. We have strong reason to believe that Chase has lost and/or misplaced our confidential documents associated with our Request for Mortgage Assistance submitted in XX/XX/XXXX since we received no response from our dedicated relationship manager. Consequently, we request that Chase research this matter immediately and provide written confirmation that our confidential documents and personal information have not been lost and/or compromised by Chase employees. If any of our documents can not be located, we request that Chase inform us immediately and allow us to submit them again. We further request that Chase provide us free credit monitoring for a period of no less than three years in the event some of our submitted application documents are missing. We our making our request for error research and correction based on our legal rights provided to us in Regulation X of the Real Estate Settlement Procedures Act ( RESPA effective XX/XX/XXXX XXXX and the Consumer Financial Protection Bureau Bulletin XXXX. | ||||||
| 08/01/2022 | Yes |
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| I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by JPMCB CARD. JPMCB CARD Acct # XXXX closed my account in XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( XXXX ). JPMCB CARD never informed me of my rights. JPMCB CARD has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let JPMCB CARD know about the many issues under XXXX & BILLING ERRORS 15 USC 1666 with this account. I have tried to explain multiple times to JPMCB CARD what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' SIGNED CONTRACT IS THE INSTRUMENT and it is my right to operate in commerce. Does JPMCB CARD know or care about what the penalties for not complying with the ECOA are? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is JPCMB CARD appear to be discriminating against me by not letting me extend credit, they are also using defamation there ruining my credit worthiness, tarnishing my name by furnishing negative information " late payments & charge off '' on my consumer reports which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which JPMCB CARDS NEVER PERFORMED this XXXX days in advance so why are they furnishing negative damaging information " late payments & charge off '' defamation on my consumer report? I don't know maybe, coercion, extortion, wanting me to be quiet while I'm being discriminated against by them? So how can JPMCB CARDS say '' I owe '' this alleged debt and think JPMCB CARDS has the Power & Authority to close this account when FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so JPMCB CARDS CAN NOT use the excuse " the consumers lack of timely payments '' as reasoning to close my account. And UNDER FTC AND XXXXXXXX XXXX XXXXXXXX ACT it states I have the right to privacy. I never gave my lawful, legal consent, authorization to JPMCB CARDS to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties. I'm just trying to make it clear that I have strong reason that under ECOA there is some discrimination occurring. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. FEDERAL LAW supersedes there " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by JPMCB CARDS against me and my of Consumer Rights. | ||||||
| 07/18/2021 | Yes |
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Web | Older American, Servicemember |
| In XX/XX/XXXX I refinanced my Chase loan with chase for a lower interest rate with first payment due XX/XX/XXXX of {$640.00}. Loan amount was for {$140000.00} A notary came to my work to sign the papers In XX/XX/XXXX going through the paper work I noticed there were two closing costs statements with two loan amounts 1 ) {$140000.00} with a payment of {$660.00} this one had Chase paying property taxes. 2 ) {$140000.00} with a payment of {$640.00} with me paying property taxes. I emailed XXXX XXXX on XXXX XXXX she informed me that my loan was for {$140000.00} and my payment would be {$640.00} ( enclosed ). I also received an email from Chase stating my first payment was due XX/XX/XXXX with a payment of XXXX ( enclosed ) XXXX XXXX| XXXX Loan Processor| NMLS ID XXXX | XXXX Lending | Chase | XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX |Office : XXXX| Fax : XXXX | XXXX | Office hours XXXX ( MST ) In XX/XX/XXXX and XX/XX/XXXX before my XXXX. payment was due. I made three payments to total {$3300.00} off the principal. The XXXX payment was not taken off the principal. XXXX statement came and the beginning loan amount was changed to {$140000.00} not {$140000.00} with payment still being {$640.00}. On the XXXX Statement it stated that I now owed {$140000.00}. They added {$6700.00} on to the loan with an increased payment due of {$660.00}. {$15.00} more a month. Enclosed XXXX XXXX could not help me and passed this on to XXXX XXXX. By XXXX XXXX XXXX said there wasnt anything further she could do to help me in this matter. XXXX XXXX XXXX | Team Manager | NMLS ID XXXX | Home Lending | Chase | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX | Office : XXXX | Fax : XXXX | XXXX | Office hours : XXXX XXXX. to XXXX XXXX ( MST ) It was passed on to XXXX XXXX in XXXX and on to XXXX XXXX in XXXX. I was told I had to pay the higher amount of {$640.00}. And that they were working on it. My IRS 1098 statement also had the beginning loan amount of {$140000.00}. ( Enclosed ) XXXX XXXX | VP, Orig Ops Site Manager | XXXX | Office : XXXX | Fax : XXXX Chase said I needed to resign the loan documents so they can fix everything. Chase wanted to send another notary to my work. I had asked for an amortization of my payments before I would sign anything. And I conveyed that I didnt trust the {$140000.00} number either and I wanted someone to go over the math with me. This I have been asking for since XXXX in my emails. No one would provide me with this. XX/XX/XXXX I did go and resign the closing documents after I was shown how Chase came up with the {$420000.00} beginning balance. This was with XXXX XXXX. After two failed attempts. I showed up he did not. XXXX XXXX canceled another meeting but did not tell me. I sat in the bank for XXXX minutes before I left. XXXX XXXX said he was sent an email from XXXX XXXX cancelling the meeting. I asked Mr. XXXX for the email saying the meeting was canceled he said he could not do that. I asked for a print out of my payments, the Chase branch we met at would not do that. Mr. XXXX assured me that after signing this everything would be fixed. Gave me his Managers name XXXX XXXX XXXX XXXX said he would be in touch with me since Mr. XXXX was going on vacation. Mr. XXXX acknowledged that something was terribly wrong. I had to call Mr. XXXX twice before he got back to me. Mr. XXXX said he could not help me either. It was passed on to Mr. XXXX XXXX XXXX XXXX XXXX ex XXXX. By XX/XX/XXXX th Chase sent me an encrypted email I could not open. No one by this time is answering my emails. Mr. XXXX informs me that I have to resign to have anything corrected. I said I did back on XX/XX/XXXX. I was told that this was not enough I needed to sign the deed and other mortgage papers again not just the closing statement. That I would have to pay for the Notary and it may or may not be reimbursed. I said before I sign anything I want a print out of all my payments. I told them I did not trust Chase anymore. He said he would send them by mail and send me something by email. XX/XX/XXXX I have not received anything in the mail or by email. I emailed Mr. XXXX and said I wanted the papers XXXX. I then received them the next day. On XX/XX/XXXX. The payment schedule was not fixed I still owed {$140000.00}. the math was wrong. {$140000.00} {$3300.00} = {$130000.00} plus my monthly payments I have been making the numbers are not correct. ( Enclosed ) I email Mr. XXXX him on the XXXX. He called me at work and said I needed to sign the papers before I could get the numbers resolved. No other contact was made. The week of the XXXX I called chase to take this to the next level. I was told there isnt any one higher and that Mr. XXXX closed the case. That I agreed to close the case. I did not. I have not heard from Chase since. | ||||||
| 07/17/2020 | Yes |
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| On XX/XX/XXXX I purchased four airline tickets on the website XXXX on XXXX. They were billed in two transactions because XXXX gave me tickets on XXXX XXXX and XXXX XXXX -- from the first day XXXX did not fulfill their agreement with me. The purchase prices were {$2800.00} ( XX/XX/20 ) and {$2300.00} ( XX/XX/20 ). The actual carrier was XXXX XXXX ( XXXX XXXX codeshare ) and XXXX XXXX canceled all the tickets when they canceled the flight from XXXX to XXXX. XXXX never informed me of this. I spoke with XXXX XXXX who said the flights had been canceled and the money would be refunded -- but the money would be refunded to XXXX. I emailed a representative at XXXX on XX/XX/XXXX requesting cancellation of the flights -- never received a response despite following up on XX/XX/XXXX with the general customer service at XXXX. I also canceled the tickets through a form on the XXXX website during this time. After not hearing from them, I disputed the charge on Chase.com. I do not have access to the actual submission form -- but apparently, I can not confirm, I selected cancellation as the reason for the dispute. I received an email from XXXX on XX/XX/XXXX stating that they would refund me {$3900.00}. I responded in the affirmative on XX/XX/XXXX but I have never heard anything else ( nor received money ) from them despite following up on XX/XX/XXXX. Chase closed the disputed encounter and I spoke with the team and to the best of my recollection I was told XXXX offered to refund the money ( {$3900.00} ) I was entitled to ( {$1300.00} LESS than I paid ) so there was no reason to continue and the dispute was resolved. The XXXX XXXX that was included in the dispute resolution I received on XX/XX/XXXX from Chase explicitly states non-refundable tickets ... not entitled to a refund unless the airline makes a promise to refund or the airline cancels a flight which is precisely the situation which has affected me. After more than a week without a response from XXXX regarding the refund, I called Chase back and told them this entire event history. I made contact with Chase on XX/XX/XXXX and XX/XX/XXXX through the secure messaging application on their website. I called a few times as well and one of the individuals I spoke with told me to fax ( and then when that didnt work I used the secure messaging application ) the lack of response from XXXX to Chase so the dispute could be re-opened. I did this in mid-XXXX and the charge was again removed from my account. On XX/XX/XXXX I noticed the charge had been placed back on my account -- I had received no formal communication from Chase informing me of a resolution of my dispute -- I called Chase. I was informed that there was nothing more Chase could do for me and that the {$5200.00} charge was appropriate. Upon discussion it is told to me the reason this charge is appropriate is that initial dispute form was incorrectly filled out because I selected cancellation instead of non-receipt of merchandise and this implied I had canceled the flight -- despite me explicitly including in the free text box that the flight had been cancelled by the airline ( XXXX XXXX ) and therefore XXXX was the receiver of the funds for the cancellation. Below find a screenshot of the current dispute transaction screen with similar options ( I do not have access to the actual form which I submitted ). By selecting cancellation, which to me was the selection which is most like [ my ] situation, when the flight was canceled by the airline ( but XXXX is a re-seller not the airline ), I entered into an algorithm in the Chase environment that meant if XXXX XXXX did not allow cancellation by passenger -- even though the cancellation was done by the airline -- I would automatically be denied this dispute. The dispute investigation did not take into account the information that the airline had cancelled the flight and the XXXX XXXX expressly include refunds in this limited situation. They did not investigate the actual circumstances that caused this situation to arise. I requested Chase re-open the dispute and Chase refuses to do this even though the XXXX XXXX state I should be able to receive a refund ( and XXXX has emailed me saying I am entitled to at least a significant partial refund ) and I have not received any refund. I have spoken to two account supervisors ( XX/XX/XXXX and XX/XX/XXXX ; XXXX ) and the first ( XXXX in XXXX XXXX ) told me there was nothing that could be done. The second ( possibly named XXXX ) told me I should sue Chase. She stated she agreed with me that situations like these were unnecessarily complicated and put the consumer at a disadvantage due to a lack of information and had previously elevated this precise issue to her supervisors who have not made any changes. | ||||||
| 06/08/2017 | Yes |
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| I have recently fallen victim to fraud on my Chase checking account. Somebody was able to use my debit card number ( and PIN ) without me knowing to make a lot of online purchases from various companies. The main companies purchases were made from were XXXX, XXXX, and XXXX XXXX. The first unauthorized transaction on my account was posted on XX/XX/XXXX. By the time I noticed something was n't right, on XX/XX/XXXX, the criminals had purchased merchandise for a total of about {$2300.00} with my debit card. When I noticed the fraudulent transactions on XX/XX/XXXX, I immediately called Chase customer services and reported the unauthorized transactions on my account. A claim was opened for my case and I cancelled my debit card to cut off the criminals that had been using it. Of course I was very upset when I noticed somebody had been stealing money from my checking account but friends and coworkers told me the bank would handle everything for me and that I should n't worry. Well, unfortunately Chase does not believe in protecting their customers but instead I 'm being victimized all over again : Chase is declining my dispute of the fraudulent claims with the reasoning that I had logged in to my account prior to XX/XX/XXXX and I should have reported the unauthorized charges then. I do n't know how other people do this, but I do not check the individual transactions every time I log into my account. So when I logged in on a previous day ( XX/XX/XXXX I believe ) all I did was check to make sure that my auto payment for my credit card had processed and the Chase credit card payment due amount was showing {$0.00}. The Chase Claims department denied a big part of my claim ( I 'm not sure what is happening to the rest of the transactions not covered in the declined letter I received ) on Tuesday, XX/XX/XXXX stating that the charges will be booked from my account on XX/XX/XXXX. I immediately called to explained that I reported the fraudulent charges as soon as I noticed them, on XX/XX/XXXX. The escalation to the manager resulted in another decline of the claim the very next day. I am at a loss as to what I am supposed to do. The account agreement states that only transactions that I authorize will be charged to my account. However, Chase is declining to reimburse me for the unauthorized charges that occurred due to fraud. Below is a list of all the unauthorized transactions ( the ones marked with an " x '' are those that already have been declined by the Chase Claims Department ) : Date Description Type Amount Chase NOT REVERSEDXX/XX/XXXX XXXX Debit Card Transaction - {$100.00} XX/XX/XXXX XXXX Debit Card Transaction {$100.00} XX/XX/XXXX XXXX Debit Card Transaction - {$52.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$46.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} x XX/XX/XXXX XXXX Debit Card Transaction - {$87.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$67.00} XX/XX/XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction {$110.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$73.00} XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$72.00} XX/XX/XXXX XXXX Debit Card Transaction - {$47.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$66.00} XX/XX/XXXX XXXX Debit Card Transaction - {$78.00} XX/XX/XXXX XXXX Debit Card Transaction - {$73.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$47.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$74.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$51.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction {$67.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$150.00} XX/XX/XXXX XXXX Debit Card Transaction - {$160.00} x XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$110.00} XX/XX/XXXX XXXX Debit Card Transaction - {$110.00} xXX/XX/XXXX XXXX Debit Card Transaction - {$48.00} x XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$70.00}XX/XX/XXXX XXXX Debit Card Transaction - {$61.00} x XX/XX/XXXX XXXX Debit Card Transaction - {$54.00} xXX/XX/XXXX XXXX Debit Card Transaction {$88.00} XX/XX/XXXX XXXX Debit Card Transaction - {$88.00} XX/XX/XXXX XXXX Debit Card Transaction {$160.00} XX/XX/XXXX XXXX Debit Card Transaction - {$160.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Debit Card Transaction - {$100.00} XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction - {$66.00} XX/XX/XXXX XXXX XXXX Debit Card Transaction - {$55.00} x XX/XX/XXXX XXXX XXXX XXXX Debit Card Transaction {$66.00} Total - {$2200.00} | ||||||
| 06/24/2022 | Yes |
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Web | Older American |
| XX/XX/2022 Amounts : In excess of {$200000.00} Action : We have decided to close your Accounts On the above date, XXXX letters were written by Chase Bank to my wife and I. Those letters were received thru US Mail approximated XX/XX/2022. Copies of the letters are available upon request. The first letter began, " Financial institutions have an obligation to know our customers and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided to close your accounts because of unexpected activity on this or another Chase account. '' We, the customer, are not aware of any unexpected activity, suspicious activity, or any irregularities in our daily activity that might have warranted such a reaction from our banking institution. We have not knowingly or been made aware of any concerns ever from our Bank that we are not in compliance with their rules and regulations. To the contrary, we have enjoyed an unblemished relationship with Chase Bank for XXXX consecutive years. Out of nowhere, we received XXXX letters informing us that Chase Bank has decided to close all our accounts and that we have 18 days to move our money, bank credit cards and safety box elsewhere. At the time of this letter we had XXXX personal accounts, XXXX business account, XXXX credit card accounts and XXXX safety box. Of the XXXX personal accounts, my wife and I were trustee 's of XXXX of our children 's accounts and a relative 's account. My wife and I called the number on the back of the letter but no one could provide us any information as to the behavior that may have caused this action by the Bank. We followed up going to the Bank the next business day and were told by the branch XXXX that they were not at liberty nor were they privy to the reasons Chase Bank elected to close all our accounts. We wrote to the Banks Complaint Department, followed by a letter to the Chief XXXX XXXX of Chase Bank, XXXX XXXX XXXX asking for the courtesy of an explanation as to what we had done wrong to have caused the Bank to take such actions. To date, my wife and I have never received any explanation whatsoever as to why the Bank took the actions they took. We have no knowledge of what we did wrong that compelled the Bank, after XXXX consecutive years, to unilaterally close our accounts. We were never afforded due process, to defend and or remedy, any egregious action that we may committed knowingly or unknowingly because we do not know what caused the Bank to take the actions they took. Our complaint, is to address the lack of transparency, and the rights of the customer, in such an important relationship as a banking relationship to be provided a reason and an opportunity to defend one 's position, name and reputation against a charge worthy of permanent dismissal from a Bank. We feel we were provided no rights and that bank customers should be afforded rights. We feel a banking relationship should offer the customer a sense of security, that their money is protected, not just thru FDIC XXXX, but for the physical safety of that money and any documents or other property held at the Bank in a safety deposit box. To ask that all such assets and deposit box items be removed within 18 days is no more than an eviction notice. Even an eviction notice is a last resort, not a first resort. We were never granted the opportunity to defend our dispute because the Bank would not be forthcoming as to the details of the dispute. We could not defend our position, because we didn't know the basis of the claim. We were simply found guilty, to an offense, to this day, we don't know the charge. We hope this letter will get the attention it deserves. We are happy to co-operate with you and ask that you attempt to better serve the public at large. Such actions, as taken by our Bank, should not have occurred. Banks should be held to a higher standard. In the future, we hope from this letter and other complaints like it, such occurrences will be looked at closely by the banking XXXX XXXX so that rules are improved and protections granted. Bank customers shouldn't be removed from their banking institutions without due process. We advocate for transparency to protect customer 's rights. This was a terrible disruption to our lives. It was unnecessary and likely could have been avoided if we allowed dialogue with our Bank. We have moved on. Our credit scores remain exceptional. But the long and short of it is, my wife and I didn't deserve this. We couldn't defend ourselves against the Bank, only because we were never afforded a reason why and the Bank didn't want us to know the reason why. There's something terribly wrong with this picture. We thank you for looking into this matter. Perhaps, with your help, we can get some closure. | ||||||
| 10/16/2020 | Yes |
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| This is a copy of a letter that I have sent to every state representative, congressman, senator, local news, my lawyer and others about how I been treated by JP MorganChase Bank, my bank and mortgage holder for over 20 years. I left out the fact, except to the people I've spoken to in the news and my lawyer, about the several letters I received from Chase acknowledging that I am in fact in the 'mortgage payment assistance program ', starting in XX/XX/XXXX. I was reassured 4 times that my payments from XXXX through XXXX would be added to the end of the loan, and that I am expected to continue monthly payments XX/XX/XXXX. I had no problem with that. But, when I went online to make my payment, which is was allowing me to at the time, it was showing a higher amount than expected seeing how I bought new insurance and the monthly payment was supposed to reflect that. I was on the phone with a person from Chase escrow department that reassured me that my payment would be lowered in " a day or two '' and to make the payment then. When I went online five days later XX/XX/XXXX, the payment that showed that was due my MONTHLY PAYMENT, was still at the higher insurance rate. I called and was told that I need to speak to someone from the escrow department that opens Monday. So, I called Monday, spoke to seven different people, explained the situation five different times. The last person I spoke to, in the escrow department said she was going to make the adjustment. Then she said, " Oh, it looks like there is an error ''. I asked what she meant, she said it shows that I wasn't qualified for the deferment program, and that I owe all 6 months payments " now ''. I have several letters from Chase stating that I am in the deferment program. Now Chase is selling my mortgage, so they say due to that process happening nothing can be done. Chase has ruined what mediocre credit I did have. Chase cancelled all my credit cards I was delinquent with, and one I was current with and paid in full EVERY MONTH. I don't know how one moment I am able to start my monthly payment due in XXXX, and the next it shows I owe the whole {$4600.00}. How for six months I am in a payment assistance program, set to add payments at the end of my loan, which I was reassured four times that was the case, then I am not I called the new mortgage company, and an agent told me if I don't have the payment in full on XX/XX/XXXX foreclosure is to begin on XX/XX/XXXX. Where is Chase Bank 's integrity?!! This is the letter I spoke of : Hello Congressman Mast, I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX which spread to my XXXX XXXX in XXXX, XXXX and was able to maintain my position ( 20+ years career ) as a XXXX XXXX XXXXr and XXXX XXXX working with children who have XXXX XXXX the School District of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX while I sought treatment etc. Unfortunately, once the COVID-19 pandemic hit I was released of my duties and unable to support myself through my career. I was able to find short term temporary work in XXXX and XXXX in the meantime ( I did not seek unemployment ). I am a household of 1 and have taken pride in always maintaining busy and contributing to society through my work. In the springtime I received a call from my mortgage company ( Chase Bank ) and was given the opportunity to sign up for their payment deferment program. I was told that 3 months payment due in the upcoming months would be deferred and due at the end of my 30-yr loan, thereby giving me 3 months of reprieve. I later received an additional 3 months whereby I specifically asked Chase Bank representatives if this was truly how it works and was reassured that no payment would be necessary for these 6 months, they would be added to the end of my 30-yr loan or at the time the house is sold, whichever comes first. Additionally, I was able to renegotiate my homeowners insurance, lowering my monthly payment ; however, Chase Bank never applied the new insurance rate. When I recently called to rectify this issue, I was told they could not do anything because they are in the process of selling my mortgage. I was also told at this time that I did not qualify for the 6 months deferment of the payments Ive missed. I am reaching out to you because although I have talked to so many individuals at Chase Bank I am most definitely getting the run around and am afraid I may lose my home in the process. Id like to know if there is an organization that can advocate for individuals like myself, a hard-working American trying to keep my home and sanity. Please let me know if you or anyone else can help with my communication to my mortgage company Chase Bank. Thank you for your kind attention and assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 04/28/2020 | Yes |
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| Hello, I hope this message finds those reviewing doing well and staying safe. I am writing this complaint as one of two follow-up complaints that I have regarding my continuing ordeal with XXXX XXXX. First, I was not informed that XXXX XXXX reported my XXXX gold card balance as part of my rolling credit balance ( which is normally no more than 10 % -30 % of my overall rolling credit limit ). I usually pay the card off every month because thats how its designed ( charge vs credit card ) ; however, I couldnt do that last month because the pandemic and some other limiting factors were affecting my ability to get them the money on time. As stated in previous complaint ( s ), I let XXXX XXXX know I was having trouble, and they told me it wasnt a problem and gave me a deferral until XXXX ; however, what they actually did is add my XXXX balance of around {$8000.00} to my rolling credit balance and changed my available credit limit/spending power to {$0.00} without telling me. That gave me a rolling balance of $ 15k+ over a total credit limit of {$3500.00}. And I have no idea what Chase is doing in all this - I literally have not been able to get in touch with them for a month, and I plan to file a separate complaint for that scenario. However, my card with chase should add an additional {$3700.00} to that limit. And when someones credit utilization/debt ratio goes from like 3 % to 400 %, that's usually a sign that person is going bankrupt/is financially unstable. In one month, from XXXX to XXXX, because I needed a deferral, due to a once in a millenium global pandemic ( and I've never had a problem paying before ), my credit score went from almost a XXXX ( and was on track to bounce back to around a XXXX ) to a XXXX because XXXX XXXX ' idea of doing me a favor is reporting my gold card balance as rolling credit card debt to FICO. And, although that isnt true, thats what XXXX and Chase told everyone and that has affected my ability to do anything these past couple weeks, because I suddenly have horrible credit. As state in previous complaints, XXXX XXXX was even preventing me from liquidating spare assets ( due to vague concerns about changes in my credit profile, which I later found out they caused ) that I have here with me in California. They kept declining a {$1.00} pre-authorization charge that I needed to clear to put my card on file with CardCash.com to initiate an ACH transfer ( I was selling $ XXXX dollars of unwanted gift cards ) ; and, although I had already paid XXXX {$6000.00} of the {$8000.00} deferred balance at that point ( this was on XX/XX/XXXX ), they were demanding that I pay the other $ XXXX dollars right then and there on the phone ( a week before it was due ) or they wouldnt allow the {$1.00} pre-auth charge. In a nutshell, XXXX basically froze my assets, changed my available credit line to {$0.00}, nuked my credit score by increasing my credit utilization from 10 % to 400 % in one month, and then barred me from liquidating my own assets to obtain the capital that I would have needed to render them payment. To add some new updates not in my previous complaints, since filing my last complaint, Governor XXXX XXXX of California passed an Executive Order that it is illegal for companies to garnish the {$1200.00} stimulus payment that California provided its citizens. And, although I feel like this should have been outright illegal on a Federal level ( maybe it is - if it is, I will be pursuing adverse action ). I called and spoke with several representatives after this Executive Order was issued and effected, and I expressed to several representatives that it was illegal for them to have forced me to make a payment out of my stimulus money, and that I needed it back ( still do ) because it wasn't theirs to take. And I've asked to no avail that they simply refund the {$1200.00} without it affecting my balance. And although this ( both refund and account credit ) wasn't an option at the time with any of the representatives with whom I spoke, I expressed my desire that they process the refund anyway and that I deal with the account credit later. And, as of today, Tuesday, XX/XX/XXXX, SIX days after speaking with several XXXX reps who said they were rewiring the {$1200.00} to my account, I still have no money in my account. And I have rent due in 3 days. Congratulations, XXXX XXXX, this makes 10+ times that you've almost forced a person with a XXXX XXXX into insolvency. I hope you feel good about yourselves ( assuming you all have a conscience and are capable of feeling ). Who knows? Maybe this time you'll succeed. I am at the mercy/charity of others right now, so you very well could succeed. XXXX doesn't even begin to describe the trauma I have endured. Keep it going XXXX. *slow clap* | ||||||
| 07/28/2017 | Yes |
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| I ordered a " free trial '' product that was seen on XXXX XXXX and praised by all of the XXXX. I am leary of these kind of offers but went to check it out. There was a popup or overlay that stated No recurring monthly ordering ''. That was all it took to convince me that this place must be on the up and up. But even with the other trial offers, it was easy to find revealing information about cost if you failed to cancel, etc. There was nothing about this on the site I ordered the free trial from. I paid S & H for {$4.00} and {$5.00}. When I received the product, all that was included in the shipment was a piece of paper that listed the contents. Within 13 days I noticed that my bank had transferred savings to my checking twice, to pay the total of {$170.00} to the company I had received the free trial from. I immediately contacted the seller to dispute the charge and find out what recourse I had. The company was completely unprofessional and basically laughed in my face because there was no refunds. I was so mad I hung up on them. They had the nerve to call me back 3 - 4 times. The order came from California and the phone calls were placed to California. I filed a dispute with my bank and the BBB in XXXX California as that was determined by the BBB locater to be the branch I needed. My bank refunded the charges to my account but said that they needed to investigate. The BBB sent a response to my Complaint within a day telling me that they had transferred my Complaint to New York. I have had 5 responses from this company beginning with I could return the order with my receipt or invoice ; 50 % off and keep the product ; proof that I ordered the product by providing a detailed step-by-step delivery schedule which proves nothing ; to " [ my name ] did not buy from this company ... [ company name ] and lastly, what name did I use. My bank sent a messsage informing me that they had received proof from the company that proved I had ordered the product and they were closing my dispute. I forwarded the comment that I had not ordered from the company to my bank. The informed me that the matter was final and closed, and that if I wanted to proceed I would have to do so without them. The day after I was informed of bank 's decision, my phone rang. I was at work and no phones! I did pick up my phone as I had just arrived and the call was a large " Scam Likely. '' Completely caught off guard, I put the phone down while trying to figure out what that was or what had just happened. As soon as I had the chance, I opened phone to get the number of the caller or sender, there was nothing. I am positive that it was the scammer laughing in my face. This would fit with the attitude they had when I had attempted to get this resolved in the first place. Every time I go online and pull up this " as seen on XXXX XXXX '' ad, there is a different company name. I have XXXX different names just with this transaction. When I first signed up with my bank, I had specifically requested no overdraft protection. Apparently somewhere down the line that has changed. I typically will do my own funds transfer when and if necessary. My bank has blocked my card use several times previously when they did not think it was me using the card. I call them every time and things are resolved. I do not make these types of purchases and if I ever make a purchase of any type on the internet, I will use XXXX or prepaid card so that they can not access my account. Believing this was a free trial, an honest to goodness free trial, with no automatic reordering, and believing what I see or am told, I did not think about this not being a legitimate offer. My bank had my money in hand and without any communication with me about any of this other than my initial dispute, decided that they would honor the charge. I do not have the money to squander on this type of purchase, but thought I would try free trial. I honestly would have considered a purchase down the road had this been on the up and up, because I like to reward honesty. But I signed nothing, I saw nothing and I relied on the information promised or shown about no reordering. I have been scammed, the bank has contributed to that scam. I work in collections and I am not a collector. I needed a job. I do not talk to people the way most every collector does and I listen to their complaints. I have helped consumers get matters resolved and made right. As a result, I also manage to collect a decent amount. I am really disillusioned by my bank making this decision without any communication with me, and believe that everyone trying to conduct a legitimate business must be made aware of the technology and the abiilities of scammers who can produce everything requested or required to help them in their scamming. | ||||||
| 02/20/2022 | Yes |
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Web | Older American |
| The details below are to the best of my memory. The company XXXX XXXX had issued web hosted invoices that they removed from online when I tried to access them again to show my credit card company how they lied. The only invoice I have is the day before the move which I had screenshotted, which I have attached below. My family and I hired a moving company to help us move from XXXX XXXX XXXXXXXX to XXXX. They quoted us {$3.00} per cubic foot as well as a 9 % fuel surcharge and a {$450.00} binding estimate fee. I asked how much we would be charged if we needed to add items as we had not finished packing. He said it would be {$3.00} per cubic foot extra and the 9 % fuel surcharge. At this time we did not have a lot of stuff. The total we were quoted was the bare minimum they allow for a move at XXXX cubic feet plus the 9 % fuel surcharge and then the binding estimate fee. The total would be {$1400.00}. I was informed that the payments would be structured into the segments. The first payable as a credit card and the second and third only payable through cash or check or money order. I paid the deposit requested on XX/XX/XXXX in the amount of {$590.00} with a credit card. We contacted the company closer to the moving date to update them that we had more stuff and needed an updated quote. The rep took a very detailed inventory of the items we were adding and gave us an updated quote of XXXX cubic feet. The new quote was as follows : XXXX cubic XXXX {$1800.00} Fuel Surcharge 9 % = {$160.00} Credit card fee= {$.00} Binding estimate fee= {$950.00} discount= {$12.00} total : XXXX Of which {$590.00} was already paid. I was also informed that I would need to pay more for the deposit to which I agreed and we paid an additional {$450.00} on XX/XX/XXXX. I reviewed my estimate and called the rep back as I saw my binding estimate jump from {$450.00} to {$950.00}. I wanted to cancel but I was told not to worry and that the rep would resolve the issue. I was put on hold for an hour and then the call hung up. As I was outside their business hours I called the next few days and I got no response. Moving day was here and I got in touch with someone I explained that the movers are here but I need to get this {$500.00} resolved before I moved forward. The rep reassured me not to worry and to progress with the move and that any issues will be dealt with later between the carriers. I also learned that I was dealing with XXXX different entities not XXXX. I had been dealing with a broker and then XXXX moving companies which as a consumer was very difficult to navigate. After the stuff was loaded onto the truck I was informed that the quote was a huge underestimate and my real cubic feet was XXXX. It made no sense to me since the rep over the phone took a very detailed itinerary of my items. I would be understanding if it was slight over but this increment was no marginal error and I did not want to be held responsible. I tried to explain that I shouldn't have to pay for this error. Had I been informed properly I could have planned accordingly. Perhaps sold items, thrown away more or quite simply packed less. I asked what my options were if I needed my items brought back and for me to reassess my cost since this was such a huge jump. I was informed that If I did not agree to this my items would be unloaded and put on the street and I would lose my deposit. Out of fear of that I agreed to move forward. My new total was a little over {$3600.00}. I was being forced to pay {$1000.00} more than my quote. Once I disembarked I called the company again to explain to them my XXXX complaints of one I was forced to pay an extra {$500.00} in the binding estimate fee and then secondly the huge discrepancy for which I was being penalized. The responded with ... sorry it was an estimate and if you had issues you should have called. I told them I did but was told not to worry. After many phone calls and being given a run around I called my credit card company. Chase said if the service was delivered they couldn't do anything. This was absurd since I know as a consumer if I am overbilled or the service is different than what I was being told I had a right to a dispute. So after Chase declined it I am coming to the CFPB to help me rectify this as well as prevent future consumers from being taken advantage of. In short I was promised a huge underestimate for my move. The day off the move I was extorted and told If I didn't pay my items would be thrown on the street and I'd lose my deposit. Out of fear I decided to go ahead with the move. Attachments as follows : The last invoice I was allowed to view. Payment to XXXX XXXX- subcontractor of XXXX XXXX who picked up my items. Payment to XXXX XXXX Sub contractor who delivered my items. | ||||||
| 01/29/2018 | Yes |
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| This is the original complaint, I filed and the response from XXXX. Opened on XX/XX/XXXX Complaint # XXXX I was involved in a relationship, a young lady and made the decision to, move back to my family/home state.home and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages. ( Company 's Response ) onXX/XX/XXXX We would be happy to assist you, but we need some additional information because we are unable to locate the account in question based on the limited information in your inquiry. Please contact XXXX XXXX at XXXX, extension XXXX as soon as possible. If we do not receive the necessary information, we will consider this matter closed. We look forward to speaking with you. I have Called XXXX XXXX and place voicemail on his service, that states he would call back, within one business day, but if possible, he would return the call, the same business day. The toll free number on XX/XX/XXXX XXXX voice mail, directs you to call that number, If you need help right away and request extension 2., That number rings and takes you to phone line loop. I have call him on XX/XX/ XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XX/XX/ XXXX XXXX, XX/XX/ XXXX XXXX,XX/XX/XXXX XXXX XXXX. I have to receive a call back or a any contact! I have provide everything I have on the account, including the account number listed on the credit report. This is not a account issued to me, so I have only the information list on my credit report. They are required to keep records for a certain period of time and this account, is within that time frame. Chase has enough information to report, this account on my credit file, But not enough information to correct the error. If a major Corporation as Chase has no record of the account and doesn't have the ability to retrieve the account, How can the account be justified reporting to the credit bureau ( s )? If Chase has no record of the file. It does exist, per their response!!! I have spoke with anyone or any written contracts/agreements ( including emails ) for this account. They have my personal information, with out any authorization and no record of the account, while reporting to my credit file. There in nothing professional, responsible or morally correct, about this delay, in correcting their error. There is also a address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. That is not address, that I have ever visited or resided at, I have only resided at one address, in XXXX, NY XXXX and it is listed on my credit file. The other address, has no relationship to me. | ||||||
| 09/08/2020 | Yes |
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| I have been a Chase customer credit card customer since 2016. I have always made my payments on time and been what should be considered a good customer. Even when the pandemic hit early this year, I made sure that my payments were made to Chase on time. On or around XX/XX/XXXX of this year year, Chase closed all my accounts, didn't have the decency to notify me ( I guess chase likes to add the embarrassment of having a declined transaction being the first indication of any problem ), and refused to offer up any explanation as to why they would have taken this action. Though I am now personally aware of the horrible way this bank treats people, I wanted to see if I was unique or if this was being done broadly to customers. A survey of credit cards holders found that by mid XXXX of this year, approximately 1/4 of credit card customers had at least one account involuntarily closed, and that approximately 1/3 reported they had the credit limit on at least one card reduced. Credit cards, due primarily to their high interest rates, are a finding source of last resort for many families. Consumers have the belief that if their finances get tight, they can put things like food, fuel, utility payments, and other essentials on their credit card. For people who are really struggling right now to suddenly find that their emergency safety net is gone is not only disheartening, but the measures taken by banks that put consumers into this position in the first place are at least questionable and at most unconscionable. In XXXX and XXXX of this, the Federal Reserve Bank took extraordinary measures to free up liquidity with the understanding that the banks would make sure that adequate funding and credit be extended to consumers. They relaxed the supplementary leverage ratio, and vastly increased short term lending through Repo funds made available to the banks. It is now clearly evident that banks are not taking their position of influence in consumer liquidity seriously. I have been active on efforts to raise awareness to lawmakers previously, and now need to make sure they know both what the banks are doing as well as the fact that their commitments to get money into the system have not been met, and in fact, that they are restricting and eliminating lines of credit, which will have the inevitable effect of further righting constraints on the US economy. I intend to write every member of the House and Senate, and send those letters to both their DC offices as well as their home district office, and let them know what these banks are doing. Of critical importance are 25 members on the committee on Banking, Housing and Urban Affairs, the 19 senators on the Subcommittee of Financial Institutions and Consumer Protection, and the 59 House members of the Committee on Financial Services. Additional efforts will be made to get in touch with these members and their staffs. I don't simply reach out with my personal story without suggestions as to how change can occur. This is a bipartisan issue that has an effect on consumers, businesses, and the greater US economy. So, I would propose a bill be presented that contains the following provisions : *Banks that reduce credit lines and close accounts of customers whose accounts are current and in good standing to prevent exposure can not afford to pay executive bonuses, so any bank engaging in that practice would be prohibited for the current fiscal year plus 2 additional years from the last occurs ce of this practice from issuing any bonuses to any manager or employee who earns in excess of {$50000.00} prior to bonuses. *Banks that reduce credit lines and close accounts of customers whose accounts are current and in good standing will be ineligible for any increases in Repo funds, and the Fed will have an obligation to reassess their existing lines for short term funding to see if the current levels are overly generous for their existing business needs. *Banks will be required to lend out larger fixed minimum amounts to consumers based on the level of depository accounts they hold. Not since the Dodd-Frank legislation has such sweeping reform taken place, and based upon the painfully obviously lack of voluntary, consumer friendly actions, their ability to self regulate needs to be brought into question, and lawmakers are the ones that need to take action on this. In addition to congress, state legislatures are another route to get these reforms enacted. Banks that are not willing to abide by basic, ethical standards should be forced to leave states where this bill would be made law. Sometimes, it just takes waking up the right person who is willing to tell their story to policymakers in order for reform to occur. It seems this is now my torch to carry. | ||||||
| 05/27/2022 | Yes |
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| Hello, On XX/XX/XXXX, the online company, XXXX XXXX, charged my credit card {$140.00} for a subscription renewal, only I had been given the subscription as a gift and it was not subject to the renewal policy. Additionally, this charge was run on my correct card number, but with a XXXX expiration date. On XX/XX/XXXX, XXXX XXXX acknowledged the error and said they would issue me a refund. I had opened a dispute on XX/XX/XXXX, however, as I had not heard back from the company initially. XXXX XXXX asked that I close the dispute, and I agreed to do so. When I called Chase Bank, I specifically asked if I would be able to reopen the dispute should they fail to provide a refund. I was told that it would not be a problem, provided I opened it within 60 days of the original transaction. So, I closed the dispute. XXXX XXXX tried to refund me, but it never showed up in my account. XXXX XXXX then went through their records and contacted their cc platform XXXX. They can not locate the money. I reopened the dispute with Chase Bank on XX/XX/XXXX. I had to do this in writing because they claimed the merchant had accepted the charges. They then closed the dispute on XX/XX/XXXX, sighting that they could do nothing more because XXXX XXXX had accepted the charges on XX/XX/XXXX. This was news to me. No one had said, " If the merchant accepts the charges you will not be able to further dispute it. '' Additionally, this makes no sense to me as I am sure most merchants accept their funds as soon as possible and do not wait 60 days. I opened a new dispute with Chase - appealing the decision- on XX/XX/XXXX. That was closed today on the grounds that Chase Bank found the charges to be valid- which is odd because even XXXX XXXX says the charges were NOT valid. XXXX XXXX was less than helpful to begin with, but I opened a case with the Washington State Attorney General 's office and that got their attention. They have been very compliant and I believe that they genuinely can not locate the money. Incidentally, the AG 's office found reason to contact Chase Bank regarding this issue and not just XXXX XXXX. I will be appealing the dispute again with Chase Bank on Tuesday- the next business day. Here are my reasons for addressing this with the CFPB : 1 ) Chase Bank has not explained to me how these charges were run with not only a wrong, but also an EXPIRED expiration date ( XXXX ). They refuse to answer this question. 2 ) Chase Bank will not provide me or XXXX XXXX with a reference or transaction number that would allow XXXX XXXX or XXXX to track the rebill Chase Bank issued on XX/XX/XXXX. 3 ) No one will explain to me why when the merchant claims the funds, theca company is unable to retrieve them. Or. why when XXXX XXXX has confirmed I am owed a refund, Chase Bank claims the charges are valid. 4 XXXX XXXX XXXX has provided screenshots of their efforts to locate the {$140.00} charge, but Chase Bank has provided no " proof '' other than their word, that the merchant accepted the charges on XX/XX/XXXX7, and has them in their possession. 5 ) Every individual I speak with in dispute resolution gives me different information. On XX/XX/XXXX I spoke with one representative who told me the case was still under investigation and less than an hour later, I was told by another that the dispute had been closed XX/XX/XXXX. 6 ) I am promised detail letters regarding the findings and resolutions and I receive vague form letters. They refuse to answer my questions when I call. They will not contact XXXX XXXX ( who is willing to dialogue with them ) or provide a means for XXXX XXXX 's bank to contact them 7 ) While the confirmation ( form ) letter I receive every time I open a dispute says that I will not be responsible for the charges, once I was rebilled, this was not the case. I paid the charges on my last billing cycle to avoid interest because they have not been removed during the investigation. My biggest issues are, first and foremost, the incorrect expiration that was allowed in the original charge. If I typo my expiration date during an online purchase, the site will tell me and require me to correct it - how was XXXX XXXX able to do run this with a XXXX date? ( For the record, I do not recall ever giving XXXX XXXX my card information, which would explain why they had the wrong date. ) If the charges had been denied because of this error, then none of this would be an issue. And, secondly, I do not like the lack on transparency and lack of information on the part of Chase Bank. They flat ignore questions I ask repeatedly. I am their customer and they have done everything to avoid being helpful and forthright. I can provided pages and pages of documentation, email chains, letters, dates, at your request. Thank you, XXXX XXXX | ||||||
| 09/15/2022 | Yes |
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| Requesting assistance from this regulatory agency to obtain my formal declination letter for my mortgage application as I have been informed on multiple occasions by my Chase Home Lending Advisor, XXXX XXXX XXXX that my debt to incomeratio is above the ceiling for approval of the loan. Following my multiple emails ( 14 plus ) and phone calls ( 21 plus ) with XXXX XXXX, in which he has made attempts to find loopholes in the process, I have made it clear I do not have additional funds, I do not earn bonus or overtime that can be added to my income, I do not have other sources of income and I do not have a co-signer to add to the loan. XXXX XXXX has made multiple adjustments to the Loan Estimate document to the point of listing a ( {$4600.00} ) " Adjustment and other credits '' that is completely fabricated and in fact could not only be a false credit but rather an even higher amount added to my " cash to close '' amount. I reached out to XXXX XXXX XXXX, Home Loan Manager and XXXX XXXX to inquire the origin of this " Adjustment and other credits '' and neither could explain or confirm it. Rather, XXXX XXXX stated it was an estimate that could go up or down. I find this extremely deceptive as I was depending on the information in the Loan Estimate document to be valuable and reliable information. I am at risk of losing my earnestmoney deposit of {$10000.00} if Chase does not promptly provide the declination of loan documentation. At this point I find it necessary to report this concern to the regulatory agencies to include but not limited to Office of the Comptroller of the Currency ( OCC ) and Consumer Financial Protection Bureau ( CFPB ), as well as filing formal complaint with Chase Complaints & Feedback Support Center. Timeline : XX/XX/XXXX - Pre-Approval from Chase Home Lending XX/XX/XXXX - Signed contract on property XX/XX/XXXX - Forwarded signed contract to Chase Home Lending XX/XX/XXXX - Earnest money deposit {$10000.00} with title company XX/XX/XXXX - Initial Loan Estimate received at 5.75 % interest rate with estimated cash to close {$76000.00} minus earnest money = {$66000.00} XX/XX/XXXX - Revised Loan Estimate received at 5.625 % interest rate with estimated cash to close {$66000.00} XX/XX/XXXX - XX/XX/XXXX - Submitted all requested documentation and completed application XXXX - Multiple telephone calls with Chase Home Lending Advisor, XXXX XXXX XXXX who informed me that my debt to income ratio exceeded the threshold for approval. Chase Home Lending Advisor informed me there were options to buy points to reduce the payment. I informed Chase Home Lending Advisor I did not have additional money to buy points and this was not an option. Chase Home Lending Advisor and I discussed next steps which included the underwriting department issuing Declination Letter so I could inform the title company, realtor and seller of my loan declination and have my earnest money returned. XX/XX/XXXX - Revised Loan Estimate received at 5.375 % interest rate with estimated cash to close {$70000.00} with Adjustments and other credits of {$4600.00} XX/XX/XXXX - Spoke with Chase Home Lending Advisor Supervisor XXXX XXXX to request clarification of the Adjustments and other credits of {$4600.00}, XXXX XXXX was unable to explain and referred my question to Chase Home Lending Advisor XXXX XXXX. XXXX - Multiple telephone calls with Chase Home Lending Advisor XXXX XXXX who finally informed me that there was NOT in fact a credit of {$4600.00} but rather the amount could actually be higher rather than a credit. Again, I informed XXXX XXXX I do not have any additional income, I do not have any additional co-signer and I do not have any additional money available that would lower my debt to income ratio below the 50 % ceiling for approval. XXXX XXXX assured me I would hear from him the following morning ( XX/XX/XXXX ) for an update on my declination letter from underwriting. XX/XX/XXXX - Received email notification that the loan is closed and application is no longer active. However, I did not receive any formal notification of declination to provide to title company, realtor and seller to formally request return of my earnest money. Email to Chase Home Lending to advise I have not received the formal declination letter and I am now reporting this concern to regulatory agencies to include but not limited to Office of the Comptroller of the Currency ( OCC ) and Consumer Financial Protection Bureau ( CFPB ), as well as filing formal complaint with Chase Complaints & Feedback Support Center. Upon filing this complaint, the declination has still not been received and I have been notified by the realtor and title company they can not cancel the contract and return the earnest money until the declination is received. | ||||||
| 06/08/2022 | Yes |
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| I signed up for a Southwest Airlines credit card through Chase using a link Southwest had sent me in an email about a promotion for XXXX mile bonus offer with its credit card. The promotion required that I apply and be accepted before the offer ended on XX/XX/2021. I received my approval on XX/XX/2021. The requirements for the XXXX bonus miles were a ) spending {$3000.00} within the first 3 months and b ) spending a total of {$12000.00} total during the first 12 months. I met the spending requirements, but I only received XXXX bonus miles. I thought this was a computer error and would resolve itself, so I waited until XXXX to contact Chase. XX/XX/XXXX, XXXX I called and spoke with a customer service agent, who put in a request for the XXXX mile bonus offer. He told us to wait 30 days for the additional XXXX miles to be credited to my account. XX/XX/XXXX, XXXX I called for an update on the request for the missing XXXX miles and was told that the note in the file indicated that the marketing team researched the issue and found that there had NEVER been a promotion for XXXX bonus miles. I asked what I needed to do to submit documentation of this promotion. I was told to use the secure messaging on the Chase website. XX/XX/XXXX, XXXX I submitted a written request for the missing XXXX miles and submitted two articles ( one from XXXXXXXX XXXX XXXXXXXX, the other from XXXX XXXX about this XXXX mile bonus offer. Additionally, I submitted the approval email from Chase dated XX/XX/2021 to show that I met the deadline. XXXX wrote a complaint to Southwest Airlines about using Chase as a partner for its Rapid Rewards program and explained what Chase had done. XX/XX/XXXX, XXXXChase responded via the secure messaging. This response was vague and unacceptable. XX/XX/XXXX, XXXXSouthwest Airlines representative XXXX XXXX politely responded that this issue needed to be resolved with Chase that Southwest Airlines would do nothing to resolve the matter. XX/XX/XXXX, XXXX wrote another request to Chase for an explanation for not giving me the full XXXX bonus miles. XX/XX/XXXX, XXXXChase responded . The response was vague and unacceptable. XX/XX/XXXX, XXXX-I wrote request the expiration date of the XXXX mile bonus offer. XX/XX/XXXX, XXXXChase responded . The response confirmed that Chase had not changed the expiration of the promotion, so I still believe I have met all requirements for the XXXX bonus miles. XX/XX/XXXX, XXXX called Chase and asked what error I made that I did not meet the requirements for the XXXX mile bonus offer. The agent told me I had made no errors. He said that the department which reviews and approves the applications can change the promotional offer you are approved for. I asked what the criteria is during the application process to change an applicant to a lower promotional offer. He could not tell me. I asked him for the date that I was informed that I had been informed of the change to a lower promotional offer. He could not tell me a date. I asked how I was informed of this change to a lower promotional offer. He said US mail. I requested that this letter be resent. He said this could not be done. I asked for him to send it as an attachment via email. He said he could not do that because of confidentiality standards. I requested to speak to a different agent. He transferred me to a different agent who then told me that the switch to a lower promotional offer is entirely random. I clarified with her that she was saying that Chase did not actually intend to make good on the XXXX mile bonus offer to everyone who meets the requirements. She agreed and said that it is random who they approve for the promotion. XXXX could not give me an employee identification number, but she was willing to give me the following case number : XXXX XX/XX/XXXX, XXXX called Chase one last time to try to speak to a supervisor one last time and warned I was calling to give Chase one last opportunity to resolve the issue about not honoring the XXXX mile bonus offer before I filed a formal complaint with the Consumer Financial Protection Bureau XXXX I was transferred to a supervisor and waited on hold for an hour and a half. I hung up and called again and was placed on hold while I waited to talk to an account supervisor. Finally, I spoke with an account supervisor XXXX XXXX XXXX who said that the case had already been escalated to the marketing department. If they had declined the request for the additional bonus miles, there would be nothing more she could do. I remarked a previous agent read the notes in the file that said the marketing department found that the XXXX mile promotion had never existed. I informed her that I would proceed with filing a formal complain with the consumer Financial Protection Bureau. | ||||||
| 08/12/2019 | Yes |
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| I have been a member with Chase bank almost a year, they forced me to open an account with them due to a organization that helped me with my daughters funeral arrangement last year. The amount was XXXX so I took it to the bank that the organization banked with. They told me unless I was a member they told me that unless I go to that organization and get {$3000.00} turn into two checks they were not going to be able to help me so .... I opened the account reluctantly but I stay there because I knew it was a good bank. I recently open a business and they put on my account that they were offering me a line of credit, a credit card, or a loan. they only do that when they feel that you are qualified to receive these items. So I apply for credit card that they were going to approve me for and it because they would check and my balance was low and I had no idea that it was below the balance they denied me. when I called the reconsideration line I explain he explained to me that it was because I had a negative balance and I told him there was no way. Upon looking further I find that XXXX I had placed on the XXXX to stop a payment in the company from pulling any more money out of my account was not done properly by Chase Bank so they fix the problem and the same guy who told me what the problem was told me to call them back as soon as they fix the problem so they can help me. Apartments fixing the problem I called back and they found more reasons that they could not approve my application stating that I had a account from XXXX XXXX XXXX that I've already filed a complaint with y'all for. Now after I spoke to that guy and he was being very rude I asked to speak to a supervisor. I questioned him about the bee products that were offered to me on my account that they had presented to me for being such a good client and member. When I told him about this he told me they did not have it on there. that is not true. When I look backat the offer that they produced to me they had taken it off of my page as if it was never there and placed a pig with some coins saying that if I hustled members to come to them I can receive up to {$220.00} and that's all they had for me. This is not only a slap in the face but a complete insult when speaking to the supervisor of overriding it would first name was XXXX, he said that they had never placed any offers up there and that my account was too new and I said you would have possibly you would know that before you place the offer there at that time he was helping XXXX which was the one who took it off cover this up and said that no one updated anything. he asked.he asked me what did I want him to do I said to reconsider the fact that your first agent told me what to do I did it and you still are refusing to give me a line of credit I have a business to run I trust y'all I have banked with y'all and y'all have let me down repeatedly I have been an overdraft so many times for them letting something go through that I told them not to. when asked why did they let certain items like a light bill and inbox loans and several others go through their simple explanation was because you are a valued customer. so I stated if I'm such a valued customer and you trust me enough to let items go through because you know I'm going to pay them, then why are you not trusting me with a line of credit I don't have credit nor do I have working capital and if I can't go to my own bank to receive some help then where is it that I am supposed to start to obtain any type of credit, if I can't get help from the peace people that I bank with. I own a business now and I would like for them to stand by their word instead of covering things up and I need them to give me the line of credit that they told me I could any phone record or pulling up of my bank statements will show that they did offer me credit XXXX run my credit 5 or 6 times running my credit score to the floor then deny me. They absolutely weighted to say that I was in default when I applied and each time it was through no fault of my own it was chase that allows something I specifically told them not to go through. I asked to speak to XXXX 's manager and he said that there was nobody above him that I could speak to, so he refused to give me anybody else 's number and I asked him was he the president because I know that he has to answer to somebody. but he stated that he was the head of the overriding of Chase and no matter if I spoke to someone else the denial will still be the same because that's just what he said and I guess nobody was going to override what he said I am highly insulted and I want them to change the decision because I plan on taking a legal matter if I can't come to a resolution or in get the credit that they absolutely offered me | ||||||
| 08/19/2022 | Yes |
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| On XX/XX/2022 a wire transfer of {$1400.00} was sent from my Chase Bank personal checking account to a third party at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The wire transfer was successfully delivered on XX/XX/2022. However, the recipient bank XXXX XXXXis Bank XXXX XXXX XXXX XXXX XXXX ) would not deposit the transaction because the money was sent by a third party and required the recipients name to be on the sending accounts bank statement. As a result on XX/XX/2022 I called Chase Bank to request a recall of the wire. I was then directed to send all requests related to wires online through secure messaging to a separate department. Therefore on XX/XX/2022 at XXXX XXXX I submitted a secure message within my Chase Bank personal checking account to recall the wire. I received an automated reply from Chase Bank that I would receive a response in 1 business day. No response was received from Chase Bank. On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) returned {$1400.00} ( {$1400.00} - {$30.00} wire fee ) to my Chase personal checking account and provided a wire receipt with confirmation. On XX/XX/2022 at XXXX XXXX I received a canned message from the Chase Bank XXXX Retail Wire Servicing '' department acknowledging that my message was received and that I need to reply if I would like to move forward with my request. I quickly replied yes to the Retail Wire Servicing department to proceed with the Wire Recall. I then received another automated message acknowledging my secure message and letting me know that I should expect a response within 1 business day. On XX/XX/2022 at XXXXXXXX XXXX I received a response back from the Chase Retail Wire Servicing department with a case/reference number for the Wire Recall and to allow the financial institution 3-5 business days to respond to the request to recall the wire. On XX/XX/2022 I followed up as I did not receive a response from Chase Bank nor did I see the returned funds of {$1400.00} in my Chase personal checking account. I then received another automated message acknowledging my secure message and letting me know that I should expect a response within 1 business day. No response was received so I sent another new secure message on XX/XX/2022 with the case/reference number and wire receipt from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/2022 I received a message from the Chase Retail Wire Servicing department stating that We have acknowledged your request to recall the wire, however, we have determined that the wire has been reversed. The reason for reversal is as you requested recall. Please make note the funds are not yet reversed to your account hence we sent an email to the relevant team to provide the status on the reversal. Please check back for a possible update in 24-48 hours. Thereafter on XX/XX/2022 I received another secure message from the Chase Retail Wire Servicing department in reply to my inquiry of the missing reversed funds on XXXX XXXX. The message was as follows We have acknowledged your request to ( recall/claim not receipt/amend ) the wire, however, we have determined that the wire has been reversed. The reason for reversal is ( RETURNING YOUR XXXX LESS FEE*WIRE SENT BY 3RD PARTY ) . When a wire is reversed/returned, it means the funds debited your account successfully which was returned to us by the receiving bank. Processing fees may have been applied by the receiving bank which may result in a lesser amount being returned. This is irreversible as this is a wire fee assessed by the other financial institution. The message provided no information or update on my missing funds of {$1400.00} that were returned by the receiving bank. On XX/XX/2022 I then went to my local Chase branch to talk with a representative and explain my situation. The Chase representative was nice, but informed me that there was nothing that they could do since they were unable to see the returned wire transfer on the backend. As a result they called the Chase Bank back office and explained the situation just as I have been doing for the past 2 weeks. I was provided the same information, that they are unable to do anything and advised me to reach out through the Chase Bank Wire department via secure message and wait for a response. On XX/XX/2022 I sent another secure message using the reference number previously providing and demanding an update as to why my funds are missing and why they cant be located. On XX/XX/2022 I finally received the returned wire funds of {$1400.00} from XX/XX/2022 that was sent to my Chase personal checking account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The lack of information and communication from Chase Bank during this incident has caused significant impact to my personal finances for this month. | ||||||
| 08/11/2021 | Yes |
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| I have been dealing with ATM fraud with Chase from XX/XX/XXXX to today, XX/XX/XXXX.The first fraudulent non chase ATM withdrawal was posted XX/XX/XXXX as a RetailWithdrawl. I have filed several claims. I filed my first claim on XX/XX/XXXX, for Non Chase ATM withdrawals and subsequent Non chase ATM withdrawal fees made from XX/XX/XXXX to XX/XX/XXXX. I did not realize my account was compromised until XX/XX/XXXX because I did not receive the proper ATM receipts for these withdrawals since they were made from Non Chase ATMs, a tactful move by the scammer. In a letter I received from Chase on XX/XX/XXXX, they denied responsibility for some of these fraudulent transactions ( totaling {$430.00} ) stating, We will not be crediting certain transactions because you are responsible for any transactions that occur more than 60 days after we send the first statement on which authorized transactions appeared. I received the first statement with fraudulent transactions by email on XX/XX/XXXX. This means that they could have only researched and credited fraudulent transactions made XX/XX/XXXX to XX/XX/XXXX. But, Chase deemed that the fraudulent transactions made during this time were processed correctly or authorized and my claim was denied. My temporary funds were reversed and I then received a brand new debit card for my checking account. This investigation does not even cover the fraudulent charges made between after XX/XX/XXXX ( 60 days past the first fraudulent charge statement ) up until XX/XX/XXXX when I filed ( charges were made on the XXXX and XXXX of XXXX, the XXXX of XXXX, and the XXXX of XXXX totaling {$270.00} ) or the fraudulent withdrawals made while I waited for someone to review my claim ( between filing XX/XX/XXXX to receiving a letter XX/XX/XXXX, fraudulent withdrawals were made on the XXXX and XXXX of XXXX, totaling {$250.00} in fraudulent withdrawals ). These were all processed with my old debit card ending in XXXX, which Chase had disabled when I filed for claim on XX/XX/XXXX, and yet fraudulent non-Chase ATM withdrawals were STILL being processed on my checking account during this investigation! I was granted a new card number in the form of a digital wallet card on XX/XX/XXXX, the new card ending in XXXX. Yet as you can see by my screenshots of my account statement fraudulent non-chase ATM withdrawals were now being made with my NEW XXXX debit card, starting XX/XX/XXXX, even before I received a determination letter from chase regarding fraudulent withdrawals in my old XXXX card. This is incredibly suspicious and all Chase has to say is that the transaction was processed correctly. This is gross negligence. You can imagine how extremely concerning this was considering since I had just been issued that brand new debit card after filing my first claim, and I had even locked it through the Chase mobile banking app and had a representative confirm it was locked when I once again contacted Chase to file a new claim. I filed another claim with the claims department on XX/XX/XXXX, well within the 60 days from when the statement of the fraudulent charges occurred ( XX/XX/XXXX is when I received my statement of the fraudulent withdrawals that continued on my new XXXX debit card on XX/XX/XXXX of that statement month ). But I was again issued temporary funds, and a few days later my claim was again denied due to the transactions being processed correctly or was authorized and the funds were reversed. This time, I declined a new debit card with the intention of permanently closing my account, so right now my checking account is not linked to any debit card. Stranger yet, chase does not show any ATM receipts from the last 120 days, yet there have been multiple fraudulent Non-chase ATM withdrawals made to my account. I have no intention of ever banking with Chase again. Today, my account is currently in the negatives due to these still persistent fraudulent ATM charges ( the most recent occurring XX/XX/XXXX ) and chase refusing to be held accountable for my compromised checking account. I can not even close my account without paying this off, I am being forced to bring the account up to a positive balance first. I have had hundreds of dollars taken out of my account. It is my belief that my entire checking account has been compromised, since the scammer only uses Non-chase ATMs that dont send me ATM receipts, Ive received two brand new debit cards since the first attack to no avail, have tried locking both debit cards, and never shared my PIN with anyone, or even written it down anywhere. Chase has failed to properly investigate my claims, even with mounting evidence of suspicious tampering, providing little to no explanation. In addition to this complaint I also plan on submitting a police report. | ||||||
| 11/01/2022 | Yes |
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| On XX/XX/XXXX I researched personal loans via XXXX to understand more about them and potentially apply for one to pay off debt. On XX/XX/XXXX I received a call from a man posing as a representative of the " XXXX XXXX '' offering me a $ XXXX loan for 4 % interest rate, I asked questions that he answered and he sent over a contract to my email with XXXX XXXX branding. I e-signed the document but he never returned it to me or followed up with any next steps. On XX/XX/XXXX someone accessed my Chase XXXX XXXX and disputed over {$2400.00} in past charges to my account. Somehow someone had accessed my online portal, passed two-factor authentication, and posed as me ( stole my identity ) to make these fictitious disputes. This should have caused alarm to Chase, also because it was someone accessing my account from a new device ( not my regular XXXX computer or XXXX ). On XXXX - XXXX- they reversed over {$11000.00} in XXXX rental payments to my property management company ranging in dates from XXXX XXXX. XXXX XXXX, XXXX XXXX to XXXX XXXX. They allowed all of these reversals to happen and then made the cash available to my account while they investigated. On XXXX, they also wired money via XXXX from my account totaling {$10000.00} - cleaning out the account. Chase froze my bank account on XXXX while they conducted the investigation. In this time period, they would not answer any questions about the investigation directly, telling me how someone reversed an XXXX especially over 60 days and they said the rationale was to do so. They passed me off to various consumer claims departments via the phone all of which avoided answering any questions directly. I asked for a letter from my property management company to confirm the ongoing investigation to help me avoid potential eviction. They did not allow me to dispute the fraudulent debit disputes until I went in person to a branch and showed evidence that this was a fraudulent crime and told them that I had made a police report re : identity theft as well. I complained to the Branch that Chase should have caught the suspicious activity and in no time during those 3 days did they call me to confirm I was in fact the person making the disputes, requesting reversals, and wiring money via XXXX XXXX They additionally accepted a payroll deposit from my employer on XX/XX/XXXX after the account was " closed '' and refused me access to it, taking money from the payroll check to cover the fraudulent disputes. They revoked my access to my online portal - where all communication and statements about the investigation were being sent and would not print out the letters for me at the branch - essentially not allowing me to respond to the reports in a timely manner or be informed of updates on the investigation. They prematurely closed my case because I didn't respond to requests made in letters sent to the portal that I could not access. I am working with them to re-open the case due to their non-compliance with the process and investigative procedures. Chase has not been helpful in this matter and has not communicated to me while the investigation has been open and has not provided me with access to account information from my Chase online portal that I need in order to report these incidents to the authorities in regards to the identity theft case and file accurate claims to Chase to return funds owed to me, documentation to my landlord as well as to any vendors I have not been able to pay because of the loss of funds. Chase has not followed the investigative process outlined by its policies to protect consumers from Fraud and Identity Theft resulting in a loss in finances and potentially the loss of future finances due to Fraud and Identity theft that may occur outside of Chase. They have violated my rights as a customer resulting in significant personal damage outside of the loss of finances. I have asked for copies of all documents used in the investigation and a written explanation from Chase of all documents relating to fraudulent transactions made using my personal information as a business or creditor must give customers copies of applications or other business records relating to transactions and accounts that resulted from the theft of your identity. By law, they have to provide this to me in a form that I can read/receive. This continues to be an open case but Chase should have caught this activity starting on XX/XX/XXXX and should have been on high alert after the request for XXXX reversals for rent was made. They have been delinquent in their investigation and have essentially denied me access to any customer service for fraud or identity theft. They have caused an enormous amount of stress, financial loss, and damages due to their negligence. | ||||||
| 12/27/2021 | Yes |
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| Hello, I would like to file a complaint against Chase credit card company. In XX/XX/2021, I applied for the credit card online. A few days later, I received a call from a Chase representative who verified information I had submitted and at the end of a conversation advised that I was approved and I would receive a card in the next few days. I received the credit card and began using it. After the third day of having and using the card, at a retail establishment, I was informed that the card was declined. This was on XX/XX/2021. I called Chase upon arriving home and was advised that the card/account was closed. They would not advise me as to why it was approved and then closed, but a different department closed the account. There was no option to speak with the department. I was transferred on that call to four different people. After speaking with the 4th representative, I was advised that there was a problem with my address, and a letter explaining what was needed to reopen the account was mailed to me. I received the letter requesting a proof of my address to reopen the account. I returned the letter with proof of my address ( a latest utility bill ). A few weeks passed and I did not hear from anyone, so I called Chase on XX/XX/2021. I spoke to 3 representatives, a XXXX, XXXX, XXXX. I was transferred two times after initially speaking with XXXX. I demanded I speak to a manager as the three representatives could not help me. I spoke to a manager XXXX who advised me that the department that had closed the account had it documented that the needed proof of address was received. XXXX advised that the closed account department was evaluating the new information, and he would call me back within 7 business days. All told the conversation and hold times were over an hour. I did not hear from anyone, and I called back on XX/XX/2021, and spoke to XXXX. She stated that more time was needed to review my application, and I would hear back from someone. I did not hear back from anyone, and I called back on XX/XX/2021. After a 20-minute hold time, I spoke to a rep, and I asked for a supervisor. After another 20-minute hold I spoke with supervisor XXXX who put me on hold to investigate my account. We were on hold for half an hour. XXXX did not actually place me on hold, as there was no hold music, there was just silence, as if he just muted me. After the half an hour of muted silence, the call dropped. XXXX did not come back and let me know what was he was doing and provided no updates during this half an hour time. I called back immediately, after a half an hour hold time again, I spoke to a rep, and I immediately requested a supervisor, and spoke with supervisor XXXX. She said your account has been closed for almost 3 months, why are you even calling? I explained to XXXX I had provided the needed information as requested, and followed up on this account as requested in good faith. She told me that the account was closed based upon an internal decision, and once that decision is made, accounts are never reopened, no matter what. I asked why they didnt tell me that on the three other calls? She did not have an answer. I asked if another letter was mailed explaining that, and she said no? XXXX did say that all of the other supervisors could see that my account would not be reopened. I asked why then, did they not tell me that, and said they needed more information? If they do not reopen claims, why was I not told that on XX/XX/2021? I am writing this letter as I feel discriminated against. I am naturalized citizen, and am a non-native English speaker, with a noticeable accent. When I spoke with the representative when being evaluated for the account initially, I felt that he was short, and dismissive. Each experience with each representative and supervisor from each call/transfer to the end call was a horrible experience, where I felt judged, and no one was listening just on hearing my voice. The reason that I think that the closure and treatment is more about discrimination is the fact that my partner who lives in the same house and address has 3 Chase credit cards, and also had a bank account with them also. He never had a problem ever with them, but he is also a native US citizen. I still do not know whether to believe XXXX, or XXXX? Both are supervisors with the same title. XXXX said my account could be opened with time/evaluation, and XXXX did not. Why should I believe anyone at that bank? I just know that I basically wasted 6 hours on hold getting nowhere. I only know that my account is closed. I provided the needed information and to date have not heard from Chase. No one called me back or sent a follow up letter. I would like to request an investigation into my complaint. | ||||||
| 04/27/2021 | Yes |
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| On XX/XX/XXXX, I walked into a chase bank in XXXX and was instructed ( by one of the on-duty bankers ) to pay off my entire credit card with the {$4000.00} cash I had been saving ( for over a year ), instead of depositing that money in my checking account. I did as instructed and boarded a flight to XXXX. When I landed in Hawaii ( 3000 miles from the closest Chase branch ), I checked into my hotel and Chase authorized my card for the entire amount of my stay -- {$2200.00} ( half of my {$4400.00} credit limit ). I was given the keys and on my way to the elevator, I got an alert from Chase on my phone that my charge to the hotel had been approved. On the 5th day of my stay ( Friday,XX/XX/XXXX ), I got a call from the hotel front desk demanding full payment for the room as Chase has reversed the charge. When I contacted Chase, I was told ( as it was Friday after XXXX on the east coast ) the only office that could help me was closed until Monday -- the day after my check out. I had to find a way to come up with the entire amount of my stay or we would have been removed from the hotel. I took an emergency loan from a friend and paid for the room. When I landed back in XXXX I called Chase first thing Monday morning to resolve the matter and after informing Chase that I was forced to settle up with the hotel out of my own pocket, I was told my credit limit had mistakenly been reduced to {$700.00} from {$4400.00} while I was the furthest possible distance from a chase bank. Chase knew exactly where I was all week as I had been using my phone to " tap to pay '' all over the island and my location is provided down to a few inches each time. I took another {$570.00} in cash and paid off the charges I had made since making the {$4500.00} payment. For the second time in 10 days, my balance was XXXX. The next day, Chase undoes its own reversal and charges my card for the entire amount it had pulled back while I was checked in. The charge is more than 400 % more than the credit limit Chase agreed to stick to when they reduced my limit without my permission. After being asked a series of very intimidating and obviously carefully crafted " XXXX '' questions, I would either 1 ) get hung up on or 2 ) transferred to a " supervisor '' who could not name the person they were supervising that transferred me. As soon as agents on the phone would realize that this was a glitch on Chase 's end, I would always get abruptly put on hold and transferred to this unmanned department where the new agent would talk over me, cut me off, and would only answer my questions with their own questions and personal attacks. After I refuse to equivocate and I ask for detailed records about who I'm speaking with and the department, as soon as I invoke the name of the CFPB, the tone always changes and I get told my case has been escalated and someone will be contacting me that day, then I'm hung up on ( against my wishes ) and am forced to start the process all over again at the base of the phone tree when nobody ever calls back. I have made no less than 31 calls to resolve this. As retaliation, chase has now reported my 400 % over utilization to the credit bureaus and has damaged my credit running it twice to " attempt to restore '' it only to decline and report that to the credit agencies as well. My credit score has dropped from a XXXX to a XXXX since paying Chase {$5000.00} I had saved all year. As soon as chase realizes their own mistake, I get transferred into a merry-go-round of a phone tree and I have been hung up on dozens of times, almost invariably as soon as the agent realizes that the error is on chase 's end. When I finally got a call back from chase, it was a harassing collections call for the {$2300.00} dollars that chase charged twice on my card ( that they promised me they were working to fix ). When I showed them proof that chase was working on this and that it was a violation of the fair debt practices act to continue to harass me for the money while chase is fixing their own mistake, chase retaliated again and reported a " late payment '' to the credit bureaus ( despite being tricked into paying chase over {$5000.00} in cash since the incident ), and is reporting that I owe a payment of 2 I have been shouted at, laughed at, hung up on, transferred to nowhere, talked over, interrupted, threatened, lied to, harassed and intimidated -- always getting stronger the more that I insist chase fix their own error. All I want is to continue the agreement I had with chase before I was instructed by chase to give them every dime of the XXXX XXXX dollars I had saved. I don't want any purchases erased, I don't want a lower interest rate, I'm not fighting any fees ... all I want is what we all agreed to when chase took my money. | ||||||
| 05/02/2020 | Yes |
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| This is what happened after the complaint # : XXXX SUBMITTED ON XX/XX/2020. A lot has happened since then. I have received numerous letters and notices from chase online, for which I must be able to access my account, which Chase has made sure I can not do. On XX/XX/2020, I told Chase to close my account. Chase sent a letter saying that THEY decided to close my, apparently ignoring that I told them to close it. I had talked with one lady at Chase, she said since my account had been compromised, that I need to close one account and open a new account. I requested that they close my account, and in the meantime I opened a new account, that way any checks that came to my old account would go into my new account and I would not be chasing the stimulus checks and SSI checks that are auto deposited into the account. I have a friend who owed me some money, and she decided to do a XXXX XXXX to my new XXXX XXXX XXXX account. Some how Chase got the XXXX XXXX of {$180.00} Right after that, I got a letter stating that they reversed the reversal taht put my money back into my account. Chase had only stolen {$900.00} from my, but when they put the money back, they had put back the extra {$1300.00} they paid out above and beyond my {$900.00}. So, when they closed my account, they said that they took the whole $ XXXX from me, which included my {$900.00} All I ever wanted was my {$900.00} back. How they began playing this game of including the overage amount, I will never know. The facts are clear, when you have a debit card, and you reach your balance limit, they don't keep allowing money to be removed from and empty account. Chase apparently has decided that I owe for {$900.00} they stole from me, + the extra transactions totaling {$1300.00} for a total of around {$2200.00}. I was able to check my account right before they closed it, and the balance was {$0.00} again. Apparently they decided that I did something illegal, and that I can not have my money back and owe them {$1300.00} on top of my {$900.00} the stole. Anyway on top of that, I could check my new account, but the moment that my friend that owed me {$180.00} did a transfer through XXXX XXXX, that I lost the ability to look at my new account. I tried to log in, and got a message that there had been suspicious activity in my account and that I am blocked from viewing my account. I have no idea what they have done. I have to believe that Chase has taken all money deposited to my new account. Even stimulus checks and SSI disability checks of Mr. XXXX, who is XXXX XXXX XXXX and has no other income. Chase has made our lives intolerable and both of us have been suffer physical ailments from this. If all these transactions were supposed to have happened in Florida at XXXX, why hasn't Chase done something like contact XXXX and asked for the videotapes of the people stealing my money from the ATMs or however this is supposed to have happened. Why is there a Chase right across the street from one of the XXXX? Why is Chase not investigating their own employees? They are the only ones that could have done this. Chase 's employees after, all opened a bunch of credit card accounts for customers that had not idea that it had been done. Mr. XXXX and I have had our accounts with Chase for close to 20 years. How dare they treat us like crooks because of something their employees are likely to have done. What more perfect time for Chase employees to do something like this when they know right now, we can not walk into the bank to find out what is going on. I had set up a meeting at my local branch in GA. They advised it would have to be a phone meeting, and I was going to get to the bottom of all this locking me out of my accounts. The branch manager did not call she was supposed to call me at XXXX and when she did not call, at XXXX I began trying to call her, as well as the dept that sets up the meetings. I called every 20-30 minutes until XXXX XXXX. No one ever answered and no machine picked up for voice mail. To date, I have never heard back from them. So, I called and attempted to get access to my new account. The lady asked if she could send me a code to my cell phone. I said yes. I gave her my cell number, and she told me that the system will not let her send me a code on that number. She asked me about a different number. I had never heard of that number. She said that she could not help me. I asked for the full number they have on file, and she refused. That means that whoever accessed my old account, and changed the phone number on my old account also has taken over my new account. That is why Chase won't let me access or see my new account, their employees have taken over that account and stolen all of my money out of that account as well. | ||||||
| 10/23/2022 | Yes |
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| PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS TO ADDRESS ISSUES THAT WERE NOT RESOLVED IN THE PREVIOUS COMPLAINT. I NEED ANSWERS FOR EACH OF THE BELOW QUESTIONS PLEASE JP MORGAN CHASE Bank did not answer any of the questions that we asked they just refused to provide any information to me or my bank. They cashed a check that was deemed as fraud by the issuing bank ( XXXX XXXX ), and have refused to provide even a copy of the check that was presented at the bank. I need the following questions answered : 1. Why was the check paid 6 months after it was written- was the check doctored? can we have a copy of the check to confirm? 2. Why wasnt the money transferred to XXXX the originator of the check, how can JP Morgan request for a check to be paid when it was marked as a fraudulent check by the bank issuing check? - did they check with the issuing bank? XXXX. I NEED A COPY OF THIS CHECK THAT WAS SUBMITTED AT CHASE BANK. THIS WAS MY CHECK AND I WANT TO CONFIRM THAT IT WAS THE SAME CHECK THAT WAS SUBMITTED. - what is the process to get a copy of my check? XXXX XXXX has requested a copy of this check too because the initial payment on this check was paid to TD BANK. 4. Why didnt CHASE bank contact the originator to confirm the validity of the check 5. Why is JP Morgan Chase bank not providing an answer to the questions regarding their process to reclaim our money, dont they have the obligation to return the funds if the issuing bank deems the check was fraudulent? DETAILS OF THE ISSUE On XX/XX/XXXX, I wrote a {$5000.00} check ( XXXX ) from my XXXX XXXX ( XXXX ) located in Michigan account and deposited that check into my XXXX XXXX account in XXXX South Carolina XXXX through mobile deposit. Approximately Seven ( XXXX ) months later, on XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check XXXX that was written on XX/XX/XXXX into a Chase Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check. A month later, on XX/XX/XXXX, I noticed {$5000.00} was missing from my XXXX XXXX account, the same account where check XXXX was deposited. When I called XXXX XXXX to inquire about the missing money, they blamed XXXX for releasing the money, later after a month around XX/XX/XXXX I was informed by XXXX XXXX that since the same check ( check XXXX ) was presented as a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. instead, the funds were sent to a Chase Bank account. I do not have any Chase Bank Accounts Importantly, the check ( check XXXX ) was not a XXXX XXXX check, it was a DFCU Financial check. Additionally, the check was not endorsed on the back of the check. So, I do not understand how this check can be paid by XXXX XXXX while the issuing bank DFCU refused to honor this check. XXXX XXXX has refused to file a fraud report the reasoning - that it was not a XXXX XXXX check. However, the check ( check XXXX ) was originally deposited by me into my XXXX XXXX account and the check ( check XXXX ) was processed a second time by XXXX XXXX and sent by them into a Chase Bank account XXXX where I do not have an account. Moreover, this check was presented 6 months after it was written and it was not endorsed by me. We filed a complaint for the above with CFPB and XXXX XXXX replied with the following response - A review of your account and our processing records confirm that the check was negotiated a second time at JP Morgan Chase Bank. According to check processing laws and regulations, when a check is negotiated via mobile deposit and then negotiated as a paper item, the paper item is honored and the mobile deposit is voided. XXXX XXXX and JP Morgan Chase have refused to give us a copy of the physical check that was deposited. 1.JP Morgan chase is also not providing information to XXXX XXXX for multiple requests that were filed on ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) based on an affidavit that was provided by me. It has been 4 months since XXXX XXXX has been trying to reach JP Morgan Chase. I am in constant touch with the XXXX XXXX XXXX XXXX who is stating that JP Morgan Chase bank is not returning their calls. I am concerned that JP Morgan chase is trying to protect a person who has committed fraud by submitting a doctored/invalid check. and acting like the bank that is commiting this fraud. I am requesting JP Morgan provide me with a copy of my check that was presented at their bank so that I can verify that it is my check. I have the following documents for reference 1. XXXX XXXX XXXX XXXX - XXXX XXXX 2. Letter from XXXX XXXX stating that they have sent the funds to JP Morgan Chase | ||||||
| 03/18/2022 | Yes |
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| Approximately five months ago I sold my car to someone off XXXX and I was paid in two checks both from the IRS written to the buyer and signed " paid to the order of '' in the XXXX, Nevada Chase branch. That being the banks policy of depositing third-party checks must be done in the presence of the teller in the bank. The teller took them deposited them into my account I was given a receipt. The total amount of the deposit was XXXX the first check was for XXXX and the other was for XXXX That was on XX/XX/2021. I was told that the money wouldn't be available for ten days. I waited approximately fifteen days to find out what happened. During the waiting period I was able to log on to Chase 's online banking app. Then on or about XX/XX/2021 I wasn't able to log on the app. The app said to call Chase customer service. I went into the bank and the bank manager informed me that my account was frozen and she called customer service and I was informed that my account was going to be closed and I would be receiving the balance minus any fees within ten business days. During the ten day waiting period I called customer service and was told that since the checks were third party the bank didn't cash them and that I was to contact the person the checks were written to and have them go into the bank again and verify that he gave me his permission to deposit the checks. I informed the bank operator that it was a business transaction done in front of the teller at the bank and that I no longer had any contact with said individual. I was then told that there's nothing that could be done other than that. I then went back into the XXXX location to talk to the manager. He looked on his computer for several minutes and once again I was told that I would be receiving a check within ten business days that was on or about XX/XX/2021. I still haven't received any correspondence from the bank about anything. Once again I waited ten to fourteen days for my funds to come in the mail and again nothing came. I then went online and did some research and called the Chase executive offices in New York hoping for a solution. I was assigned two different " case workers ". The first was very rude to me and suggested that I call back in a month or two to see if the fraud department changed their minds. That was on or about XX/XX/2021. Again I did as instructed I kept trying to contact said individual to no avail. I even called the issuing bank to see if I could get them to help. I was informed by the issuing bank that the checks had indeed been cashed and cleared back on the XXXX of XXXX. ( Three days after the initial deposit to be exact. ) The issuing bank told me there was nothing they could do due to the fact that no fraud had been committed and the checks had been cashed. I then went to calling the Chase corporate offices almost daily to rectify the situation. Again I was giving another " case worker " who seemed as though she was really trying to help. I told her I had a Bill of sale that both he and I had signed and it had photo copies of both mine and said individual drivers license and ID card as well as our signatures on it. I was told to email or fax them attention Chase Executive offices. ( I did both ). That was on or about XXXX, XXXX 2021. A few more weeks go by and she called me back and informed me that my documents weren't exceptable. I was told that the money was being held and after a period of time it would go to the state of Nevada for me to somehow claim. I waited and did some research online to see what I could do. I called the Chase Executive again on or about XX/XX/2021 and was informed by another worker that they would be keeping my money until the situation was resolved. I lost a lot during these past five and a half months my home, my car, and a lot of self esteem as well as time and energy. I'm hoping something could be done so that I can receive my money. I finally received a letter from chase on or about XX/XX/XXXX stating that my account was frozen and they would be closing it and I would be receiving a check within ten business days. This almost two months later after I was told the account had been closed and still I have yet to receive anything. I've called a few times since but each time I'm told my money is being held in a DBA account until the situation can be resolved. I'm tired of being frustrated and angry can you please help get my funds returned to me this is a travesty. I have done everything right from the beginning of when I first deposited the checks. As far as J.P Morgan and Chase policies state my fund should have been returned to me forthwith months ago. Thank you for your time and understanding. Your assistance is greatly appreciated. For Chase Account ending in XXXX. | ||||||
| 06/26/2020 | Yes |
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| I have a question related to fair lending practices. Can a bank deny a mortgage loan because of whats going on with COVID19? My wife and I applied to Chase for a cash-out refinance of our primary residence which is a 2-family home. We live in XXXX where 2-family homes are very common. At the suggestion of my local Chase Bank branchs loan representatives, my wife and I applied to Chase Banks website for a mortgage loan ; we did this Sunday, XX/XX/XXXX. After submitting the application, I immediately received a call from Chase asking me to contact them to go through my application. I called back the number and the rep began collecting the same information I had already provided online. After going through the " application process '' again over the phone, the rep asked for my, and my wifes, social security numbers and permission to run our credit. The rep said the credit profiles came back with scores from all 3 credit bureaus exceeding 800. He then asked for the type of property, its estimated value and loan amount. He ran all the info through a computer program and after about 3 minutes the rep informed me that there are no loan programs available for me, and that we did not qualify for a cash-out refinance. I asked why, and he said, because Chase is not doing cash-out loans on 2 family homes due to COVID-19. Needless to say, I was beside myself. Yet, the rep said, that Chase will do a cash-out refinance for single family homes and condos that are the primary residence for account holders. The rep did not ask me the type of propertys until after he collected our social security numbers and ran our credit. This bothered me because had I known they were not doing loans on my property type, then I would not have bothered to submit an online application to Chase. Further, I was upset because I am aware that running credit too many times would negatively impact our credit scores. Anyway, Chase ran my and my wifes credit, and our credit was not a problem, we are, and have been, gainfully employed for over 30 years. My wife has an account at Chase, I have Chase issued credit cards, and we meet the financial requirements without any rental income from the 2nd apt , or funds from the requested loan. Further, the requested loan amount and LTV are very low ; 15-20 % LTV depending on an appraisal. In fact, based on the requested loan an appraisal is not required because the loan amount does not meet the minimum threshold needed for an appraisal, so Chase could rely on an Automated valuation ModeXXXX ( AVM ) instead of a full appraisal. The purpose of the loan is personal ; it is NOT for a business-related purpose. However, I was not even asked the purpose of the loan. But I was asked if I intended to live at the property for the next 5 years and I said, yes because I do intend to remain here for the foreseeable future. I made 2 follow up calls today to verify the reason which made me more upset. Because on the first call I was told the initial rep should not have run my credit before asking about the property type for which the rep from the first follow-up call apologize. And on 2nd follow-up call, I was told that the process I went through is a " pre-qualification/vetting process '' of some sort, and I may not receive a letter of denial/adverse action. BUT, CHASE TOOK OUR INFO, RAN OUR CREDIT AND DENIED THE LOAN! So, as far as Im concerned, we applied for a mortgage loan, and we were denied. Moreover, I received a letter from Chase informing me and my wife, about what credit scores mean and how scoring works. Essentially, Chase is denying we applied for a mortgage loan. Please note the branch rep who directed us to apply online was no help. We contacted him before applying to ask a few questions and he did not return our calls. Instead, he sent an email directing us to apply online. Only after this incident, and after my wife went to the branch asking why were declined, did he contact us to explain that Chase is not doing cash-out loans for 2-4 family home. And he suggested I can apply for and FHA loan at 5.25 % which is 2 % above the regular rates ; because to quote him " it's guaranteed by the federal government '' in case of default. What non-sense is that about? Trying to steer me to a higher cost loan? The Federal Reserve Bank reduced the prime rate so that Banks can make loans and stimulate the economy. However, Chase appears to be doing the contrary. So, Id like to know if Chase is legally allowed to deny an application for a mortgage loan on the basis of the COVID-19 pandemic. Because, if they are NOT allowed, then I would like to formally file a complaint against Chase because I feel they may be discriminating against us due to our age or engaging in redlining. | ||||||
| 05/09/2021 | Yes |
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| Hello, I am writing this complaint in regards to JPMorgan Chase Bank. I am a small business owner and sole proprietor in the state of Colorado. I first received my real estate license in XXXX of XXXX and I have been in the business since. I also started a commercial cleaning business that coincides with my real estate business in the spring of XXXX. I applied for a PPP loan on XX/XX/XXXX, through XXXX. In order to receive this loan, it was necessary to prove I not only owned the business, but I owned it before the start of COVID-19. I provided all necessary documentation needed by the SBA that proved the legitimacy of my business as well as my status as the owner of said business ( all stated documents are also attached with this complaint ). I qualified to receive the loan in the amount of {$11000.00}. All banking for my business is done through a personal checking account at a local credit union, XXXX XXXX XXXX XXXX, located in Colorado XXXX attachments will show ownership of the account prior to XX/XX/XXXX ). It is known that XXXX has issues funding local credit unions. Because of this, my only option was to open a bank account at one of the most prominent banks in America, XXXX Bank. I was able to successfully sign up for a personal checking account and was excited to receive the funds that were legitimized through the SBA. The funds were deposited into my personal checking account at Chase Bank. I then began the distribution of these funds according to the SBA laws and rules stated by the IRS for PPP loans. To help my real estate business, these funds were needed on XX/XX/XXXX, the date Chase said they were going to transfer them to my account at XXXX XXXX XXXX XXXX. I anxiously awaited the transfer to be deposited, but when I checked my XXXX account on XX/XX/XXXX, the funds were not there. I then attempted to sign in to my Chase account to see if there was anything stopping the transfer of the funds. I was completely unable to sign in to my account. I was told to contact Chase Bank to unlock my account. After waiting on the phone for more than two hours in total and many phone calls later, I was informed that my account was going to be closed in 10 days due to suspicious activity. I was shocked to hear this since I had no issue receiving the loan from the SBA, and it had already been proven that I was the legitimate business owner. The Chase Bank representative stated that in order to receive PPP loan funds, a business account was required rather than a personal account. I was NOT notified of this when creating my account with Chase Bank. This also was not something I had even considered since it is not required as a sole proprietor in the state of Colorado to operate under a business account. The representative also told me that the only step to unlock the account and receive my funds was to provide an EIN verification letter from the IRS prior to XX/XX/XXXX. This was the ONLY document they would take for proof of ownership and, thus, unfreeze the account. This is where the issue begins. I explained the following to multiple people at Chase Bank : In the state of Colorado, a sole proprietor without employees is not required to register with the state and receive an EIN because they can use their social security number to report taxes which is what I have done for the past FIVE years. Their requirement ( to provide an EIN prior to XX/XX/XXXX XXXX is impossible to fulfill since I would need to register now for an EIN which of course would not be dated prior to XX/XX/XXXX. I pleaded with multiple employees and supervisors that I could provide any other documentation ( i.e. : tax returns, bank statements from my XXXX account, real estate license, etc. ) but was told multiple times that MY account with MY money was going to be closed in 10 days and all funds would be lost in 2 years if I couldn't provide the impossible EIN verification letter. I completely understand that there are many fraudulent people taking advantage of government assistance being provided during the pandemic. Because of this, I have no problem providing evidence demonstrating my ownership of my business before the start of COVID-19. However, being asked to provide something that is not required by my state law to operate a sole proprietorship should NOT be the only document that can reopen a Chase account and is frankly ridiculous. I, and as many other people have experienced with Chase Bank, am being punished for following all state regulations. This is causing our businesses to suffer. Chase Bank is well aware of this issue and has not remedied it even after many other complaints. Please refer to the attached documents as proof of ownership, and I hope this issue can be resolved. | ||||||
| 03/11/2018 | Yes |
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| I have contacted Chase back at the end of XX/XX/XXXX, with a concern of fraudulent charges on my Chase Freedom card account ; I informed that that my credit card was not in my immediate possession and that there were multiple fraudulent charges on my account. I was reassured that I was not liable for fraud charges and I was given immediate account credit and a new card was mailed out to me. I haven't heard from Chase bank since then regarding this claim, and after almost 3 months passed I only assumed that the case was closed. That was until I received a phone call from Chase Fraud investigation on XX/XX/XXXX, claiming that since the card was in my possession in XX/XX/XXXX ; we will recharge 4 transactions which I previously reported as fraud back to my new account. I attempted to correct him and tell him that the card was not in my possession hence i called them back in XX/XX/XXXX ; but he refused to listen to me and to correct the mistake made by a Chase Fraud agent back in XX/XX/XXXX when i called them. I was not aware that this mistake existed as Chase bank hasn't contacted me at all in regards to this dispute, I truly thought that everything was correctly documented. I also tried asking whether these transactions were even properly investigated and whether they received any solid proof back from those merchants proving that I indeed made those purchases, he gave me no answer ; he just stated that he was going to charge me back for all those 4 transactions ( {$2900.00} ) that same day and that I can expect them on my next billing statement. Under the memo which was written by this same agent, who never introduced himself to me and I still don't know his name or ID number because Chase Freedom is refusing to tell me his name and are claiming that they will deal with him themselves and that have already reported him to his manager XXXX XXXX, he falsely documented that I stated to him that I have shopped in those stores before ; and I have never told him that! Infant i told him that I haven't been to those stores and i have not received any deliveries from these stores either at my home address. Nothing further was send to me, emailed, faxed or sent via regular mail to warn me about this chargeback, i also haven't received any copies of receipts or explanations from merchants. I began to call every supervisor in Chase to dispute this unfair and unlawful decision, however no-one has helped me ; infact after 2 days of calling, no-one has given me any solid explanations and just kept transferring me to other people. Whats even crazier is when I would call back and ask to speak to the person with whom i spoke previously, i was told that they never heard of a supervisor by that name.A supervisor even asked me to fax in a copy of my ID card with my real signature on it, which i faxed in to them that same evening and they verified that they received. But everyone reassured me that there was no way that I would be refilled those charges and that i might have misunderstood. This story didn't end, the following day I logged into my Chase card account and saw a balance of {$9800.00}, and I almost passed out, i began to scroll through transactions and realized that the Chase worker not only rebelled me those {$2900.00} that he mentioned but also all of the charges ; yes all charges from a fraud claim which i made on XX/XX/XXXX ( 24 hours before ). I called on XX/XX/XXXX, realizing that the card was not in my possession and I was informed that there was a balance of {$6500.00} on my card ; upon reviewing the transactions with a card service agent, we realized that those transactions didn't belong to me. These charges were marked as fraud on XX/XX/XXXX and refunded to my account. However, without my further investigation, or physical evidence, the fraud case was closed and I was re-billed for all those fraudulent charges as well. Some of the transactions that Chase re-billed me for are not even real transactions, as they were initially attempted transactions and were refunded to my account by the merchant themselves for unknown reason ; so they never even officially posted to me account, yet Chase is now trying to charge me for those transactions as well. When I told them that they charged me for transactions which never initially were charged to my account they didn't care. Once again Chase bank, has no information to give to me, they can't explain to me why they didn't investigate for 30-90 days as I'm entitled for by law ; why I wasn't informed of this decision and based on what evidence was this decision made. I am refusing to pay for any of these charges totaling {$9800.00} as they don't belong to me, and want Chase bank to apologize to me and to correct their negligent mistake. | ||||||
| 05/02/2022 | Yes |
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| on XXXX I called Chase bank near me to see about opening a bank account checking account for day to day transactions. I am a real victim of fraud and identity theft. Identifications of me like my social insurance number ie social security number was used with another individuals name but I did not lose my wallet. I was told the social security number was attached to another individual name which was a business. I am not a business, I am not employed by any business. i do not work for any business or operate any business although many businesses and agencies have been misleading and telling me things are required of me such as my social security number to give to them to connect me with my assets tangible and intangible although many times it was not required and would restrict me from my assets and money for spending. When I was notified by a bank of being a victim of fraud and identity theft, I was told in the notice that there were others claiming to be other account owners that could not be identified, also that it was a business name that was attached to my social security number. After experiencing this I have stopped giving out the number to those who say it is a requirement. I think they misuse it to change my identity and cause fraud. I am not a resident. I am not a business or firm as a resident. when I called to verify if the chase bank had a customer identification program that one can use the real id, passport that shows my nationality and place of birth. I was told by representative on the phone I could open up a bank account with only my passport Id. and to come in the next day at XXXX XXXX On XXXX where I met a banker named XXXX who then informed me that I had to have a social security number to open the account. He told me they could but he would have to escalate the request and it would take 48 hours then he would get back to me. I have ended up in the bushes with my children and things because I have no access to any of my assets. I have lost all of my deposits for years because of this fraud with my social security being misused and falsely collected from me as a requirement. I do not work for anyone. I do not owe anyone any debts. I have lost all my deposits and have never been paid balances due to me because my correct accurate banking information such as my correct name and address was constantly being changed so that it would look like I could not be found or I abandoned my property because my correct information being changed made the balance due to me go back to the businesses who were using my social security number with their business name. I have called other offices who gave me this website again to again notify someone in the consumer protection bureau that my children and I are not being protected. We had our money taken by a hotel business after order and confirmation yet was charged instead which lead to over payment improper payment, loss of deposits, fraud identity theft, and my children and I made to be outside in the bushes going without. We should not be going through this. The banks seem to be only opening up checking bank funding accounts for residents. Am I being discriminated against? or is this just a high level of identity theft and fraud? I am not sure how much longer we can continue to go without what all we need for living. I just need access to an account for me for spending whether I work or not. As I have been a victim of fraud even through employment. If someone can see this as a emergency situation and help me collect what is actually due to me and or help me to properly access my funds account for spending and funding for my full benefit and enjoyment. I am not sure how the consumer finance protection bureau helps yet I have not been protected yet. I only by the grace of God have been able to barely keep my children and I off XXXX XXXX where we were put onto and left to be even by local public officials in office. Who did not verify the accuracy of the information they received to cause negative actions to my children and I. Even they participated in the fraud and identity theft yet did not seem to care. I am submitting this complaint although I am not so certain I get justice and changes to this terrible experience I have been trying to navigate through while being deprived, denied, ignored, left in the bushes. I have been making phone calls, sending evidence, this is not right for me or my children. As I know we are not supposed to be going through this to live like this. Yet as of yet from the businesses side, have yet to refund me my balances due to me. They keep changing my banking name spelling, address, information changing my identity by falsifying their documents so they can get paid twice while I go without. | ||||||
| 03/28/2018 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I was approved for an FHA Trial Modification with Chase. My payments were XXXX. I made my payments on XX/XX/XXXX and XX/XX/XXXX. When I mailed my XX/XX/XXXX payment, it was returned by Chase. I called chase and spoke with their single point of contact, XXXX and he told me I had been sent a PERMANENT, FHA Loan Modification. On XX/XX/XXXX, I executed the documents in front of witnesses and a notary ( see attached ) and returned it to Chase. Chase called me the following week to inform me that my signature was unacceptable. However, my signature was witnessed and notarized. In XX/XX/XXXXChase sent me another modification agreement, again I executed it as instructed and Chase again denied my signature. Finally, in XX/XX/XXXX, Chase once again sent me a loan modification agreement, I executed it and returned it, ONCE AGAIN CHASE DENIED MY SIGNATURE. I am an uneducated XXXX XXXX. I did exactly what CHASE instructed me to do, not on ONE occasion, but on THREE different OCCASIONS in an attempt to steal my home from under me. Additionally, CHASE violated 24 CFR 203.604 203.604 Contact with the mortgagor. ( a ) [ Reserved ] ( b ) The mortgagee must have a face-to-face interview with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. If default occurs in a repayment plan arranged other than during a personal interview, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable attempt to arrange such a meeting within 30 days after such default and at least 30 days before foreclosure is commenced, or at least 30 days before assignment is requested if the mortgage is insured on XXXX home land pursuant to section 247 or XXXX land pursuant to section 248 or if assignment is requested under 203.350 ( d ) for mortgages authorized by section 203 ( q ) of the National Housing Act. ( c ) A face-to-face meeting is not required if : ( 1 ) The mortgagor does not reside in the mortgaged property, ( 2 ) The mortgaged property is not within 200 miles of the mortgagee, its servicer, or a branch office of either, ( 3 ) The mortgagor has clearly indicated that he will not cooperate in the interview, ( 4 ) A repayment plan consistent with the mortgagor 's circumstances is entered into to bring the mortgagor 's account current thus making a meeting unnecessary, and payments thereunder are current, or ( 5 ) A reasonable effort to arrange a meeting is unsuccessful. ( d ) A reasonable effort to arrange a face-to-face meeting with the mortgagor shall consist at a minimum of one letter sent to the mortgagor certified by the Postal Service as having been dispatched. Such a reasonable effort to arrange a face-to-face meeting shall also include at least one trip to see the mortgagor at the mortgaged property, unless the mortgaged property is more than 200 miles from the mortgagee, its servicer, or a branch office of either, or it is known that the mortgagor is not residing in the mortgaged property. ( e ) ( 1 ) For mortgages insured pursuant to section 248 of the National Housing Act, the provisions of paragraphs ( b ), ( c ) and ( d ) of this section are applicable, except that a face-to-face meeting with the mortgagor is required, and a reasonable effort to arrange such a meeting shall include at least one trip to see the mortgagor at the mortgaged property, notwithstanding that such property is more than 200 miles from the mortgagee, its servicer, or a branch office of either. In addition, the mortgagee must document that it has made at least one telephone call to the mortgagor for the purpose of trying to arrange a face-to-face interview. The mortgagee may appoint an agent to perform its responsibilities under this paragraph. ( 2 ) The mortgagee must also : ( i ) Inform the mortgagor that HUD will make information regarding the status and payment history of the mortgagor 's loan available to local credit bureaus and prospective creditors ; ( ii ) Inform the mortgagor of other available assistance, if any ; ( iii ) Inform the mortgagor of the names and addresses of HUD officials to whom further communications may be addressed. ( Approved by the Office of Management and Budget under control number 2502-0340 ) [ 41 FR 49736, XX/XX/XXXX, as amended at 51 FR 21873, XX/XX/XXXX ; 52 FR 48202, XX/XX/XXXX; 53 FR 9869, XX/XX/XXXX ; 61 FR 35019, XX/XX/XXXX ; 61 FR 36266, XX/XX/XXXX ] There are 218 Branches located within 200 miles of my home and yet CHASE never tried to set up a face to face meeting with me to discuss my loan. The closest branch to my home is located at XXXX and XXXX XXXX miles XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Driving directions XXXX | ||||||
| 08/23/2017 | Yes |
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| I was the owner of 2 units in XXXX XXXX, California and went through the condo conversion process to convert the bldg. from a TIC into 2 condos. When I completed the lengthy and expensive conversion in XX/XX/XXXX, I attempted to sell one of the units and the bank ( WAMU at that time, now Chase ) forbid me from selling one of the units saying their investor refused. The WAMU loan originated in XX/XX/XXXX, midstream through the conversion and the bank was fully aware of the conversion through my admission and by public records ( Chase stated in XX/XX/XXXXthat they did not know of the conversion and claims I began the conversion and filed CC & R 's after the WAMU loan was made, which is simply not true ). Fast forward to XX/XX/XXXX when the market crashed. WAMU went bankrupt, Chase took over, my loan payment nearly doubled, and because I was prevented from selling one of the units to lower my debt to nearly half, I was unable to make the " new '' loan payment. These new payments went into effect nearly 2.5 yrs. before they were scheduled to and as a result, I began to go into foreclosure. Years of litigation ensued, and I finally agreed with Chase in XX/XX/XXXX-XX/XX/XXXX to deed them one of the units in lieu of foreclosure. The loss on that transaction was substantial, coupled with over 6 years where the unit sat empty, causing hundreds of thousands of dollars in lost rental income. The litigation was extensive. In XX/XX/XXXX, I signed a new loan with Chase on XX/XX/XXXX ( on modified terms ) that I would owe {$620000.00} on the first loan at 3.5 % for a period of 40 years ( i.e., {$2400.00} per month ). The repayment began onXX/XX/XXXX. I had a second loan with Chase in the amount of {$130000.00}. Total debt was {$750000.00}. In XX/XX/XXXX, I contacted the CFPB regarding several issues I was having with Chase Bank ( formerly WAMU ) with this new loan ( as well as the HELOC with Chase ). The new loan has had several problems with the escrow account and the loan. As a result of the problems with Chase in XX/XX/XXXX, I requested to ( and ultimately did ) end the impound account due to several accounting errors. The loan documents state that at any time, either party can cancel the impound account. The loan payment for the {$620000.00} loan is {$2400.00} per month. To give an overview of a few of the problems with Chase Bank, within about one month of the new loan, Chase conducted an annual review of the escrow account and said I had a shortfall. The initial problem appears to stem from the fact that Chase never made the original escrow payment as indicated in the closing statement, so the escrow account was immediately negative. The next misstep occurred when Chase sent me an {$11.00} check and revised closing documents that were dated XX/XX/XXXX saying something about an error in the flood certification. I never agreed to flood insurance in the original loan documents so it was unclear what they were revising. Immediately following the flood insurance error, Chase sent another revised loan statement claiming I needed to pay an additional $ 1000+ a month to address an escrow shortage. Investigation revealed that Chase was now billing me for the property taxes for the unit ( Unit A lot XXXXXXXX XXXX ) in XXXX XXXX that I had deeded to Chase inXX/XX/XXXX. I retained the second unit ( XXXX XXXX ) which is lot XXXX XXXX. Chase was deeded lot and block number : XXXX. Chase claims to have corrected this issue by issuing another refund. On XX/XX/XXXX when I went to make the old payment of {$3000.00} instead of {$4100.00} on XX/XX/XXXX, the teller said to me, Oh, so you are just making a payment today? You are not paying anything toward the principle or interest? As a result of these problems with Chase in XX/XX/XXXX, I requested to end the impound account due to several accounting errors. Chase is now contacting me onXX/XX/XXXX claiming that I owe them money for property taxes they paid on lot and block XXXX XXXX in XX/XX/XXXX. The Unit located at XXXX has been owned by Chase Bank since XX/XX/XXXX. Chase states the money should have been paid on my lot and block number : XXXX. Chase is claiming that {$3400.00} was paid on the other Unit ( XXXX ) and that amount is now owed to them, that somehow this payment of property taxes on lot XXXX benefited me. The CFPB has been involved with the property ( Lots XXXX and XXXX ) and Chase Bank on Complaint number XXXX dated XX/XX/XXXX. The attached documents showing the original loan documents showing what the bank agreed to fund beginning XX/XX/XXXX, as well as Chases attempt on XX/XX/XXXX to collect taxes on a property owned by them sinceXX/XX/XXXX. The company has a pattern of poor business practices and the problem needs to be corrected. | ||||||
| 02/04/2023 | Yes |
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Web | Older American |
| My wife and I have applied for a conventional mortgage with JPMorgan Chase Bank, a first mortgage for a house being built in XXXX XXXX, Florida. The amount of the mortgage loan sought is {$530000.00} ; the down-payment will be about 50 % of the value of the house. My wife and I have paid off the mortgages on XXXX houses we currently own outright on XXXX XXXX and plan to sell those homes after closing and moving to Florida. My wife and I have combined financial assets worth more than {$3.00} XXXX and equity in the XXXX homes we own of more than {$1.00} XXXX. We therefore have more than {$5.00} XXXX in household net worth and very little debt ( less than 2 % of financial assets. ) My " middle '' credit score of the XXXX credit agencies is XXXX with the lowest XXXX XXXX being XXXX. My wife 's " middle '' XXXX XXXX is XXXX, initially Chase said that my wife 's credit score was not an issue because of the large down-payment. We literally can payoff the requested mortgage loan several times over based upon our present financial assets primarily consisting of stock in blue-chip companies that is entirely liquid and fully available to us in our personal accounts ( as opposed to any restricted stock, etc. ) We paid off a Chase mortgage on XXXX of our homes in XX/XX/XXXX. All payments were made on time and all taxes on both property have always been paid on time. All required insurance has always been maintained. I have been self-employed for 37 years as an attorney and have been an attorney for nearly 40 years. On my mortgage application, it appears that Chase understated my income and, in the section for providing my financial assets, which are greater than {$2.00} XXXX ( not including my wife 's financial assets or the homes we jointly own ), Chase deliberately left entirely blank listing my financial assets, notwithstanding that a statement from XXXX XXXX, dated XX/XX/XXXX, that was provided to Chase on XX/XX/XXXX, for preparing the mortgage application sent to my wife and me today. Chase made it clear, even before receiving our tax returns and financial statements showing financial assets of {$3.00} XXXX that they were unwilling to approve a mortgage for us for ANY loan amount by asking for conditions that Chase knew we could not possibly meet in the time frame that we anticipate closing, even if we were so inclined to seek to comply. It is our understanding that the mortgage application sent to me for signature on XX/XX/XXXX ( my wife received a similar mortgage application to sign off on electronically ), which deliberately shows me having XXXX financial assets, has been sought by Chase to " justify '' its decision to deny my wife and me a mortgage in any loan amount, again, because the mortgage application that I was asked to sign was to have me verify as " accurate '' omitted my personal financial assets ( excluding my wife and the joint properties we own ), even though Chase had been provided with the documentation of our financial assets on XX/XX/XXXX. In summation, Chase is aware of our financial assets, but refuses to include them as part of our mortgage application, notwithstanding that the Chase mortgage application has a dedicated section for listing such assets ; Chase has provided to me a mortgage application that asks me to verify that I have no financial assets. It is our view that Chase can not rightfully deny us a mortgage loan based upon our credit histories, which include paying off XXXX mortgages in the past, the amount we seek to borrow, the 50 % -down-payment, and our documentation showing financial assets of about XXXX times that of the amount of the mortgage loan sought, and household net worth of greater than {$5.00} XXXX. I am also continuing to work as a self-employed attorney as I have been doing for nearly XXXX decades. My wife and I have spoken the loan XXXX that we are dealing with at Chase, however it is clear that Chase will not consider our financial assets in the mortgage application, notwithstanding that their loan application requests listing such assets, and indicated a refusal to give us a mortgage in any amount, even prior to receiving our tax returns and financial assets statements. The electronic mortgage applications sent to us by Chase on XX/XX/XXXX ( XXXX to me and another to my wife ), appear to be an effort to " justify '' a discriminatory decision to deny us a mortgage loan under any possible conditions for any amount. Chase has NOT offered us a mortgage loan for a lesser amount than that requested ; Chase refuses to approve a mortgage loan for my wife and me in ANY amount whatsoever. Our mortgage application with Chase and the documentation provided was during the last week in XX/XX/XXXX and through XX/XX/XXXX. | ||||||
| 09/14/2023 | Yes |
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Web | Older American |
| XXXX XXXX, went to XXXX XXXX to get a cashiers check for her grand-daughter, XXXX XXXX , to help her buy a RV. The agent at XXXX XXXX told XXXX that it would be faster/safer to use a wire transfer. Both XXXX and XXXX appeared in person at the XXXX XXXX and coordinated the transfer of {$31000.00} to XXXX account at Chase. The transfer was initiated on XX/XX/XXXX. The case number at XXXX XXXX is XXXX The federal reference number is XXXX The wire transfer XXXX is XXXX. XXXX is at the local XXXX XXXX where the wire transfer was initiated XXXX. She said she couldnt give XXXX names and numbers of who she is talking to at Chase because they are internal numbers. The XXXX XXXX wire fraud department that was contacted by Chase is XXXX option # XXXX. XXXX is who it was assigned to but he has not provided any assistance.Also someone named XXXX is in this department and sometimes is who the call is routed to. Initially they were told by Chase that XXXX account was secured so she couldnt accept wire transfers and then they said it was flagged because she had never received a wire for that much money before. XXXX then was contacted by XXXX XXXX and was asked a series of questions on behalf of Chase ( How XXXX knew XXXX, what was the purpose of the wire, etc. ) On the XXXX, XXXX talked to XXXX in the Wire Transfer Department at XXXX XXXX, he informed her that he didnt normally talk to customers, stated that he was emailing someone who would call her right back and then he left at the end of the day for vacation. It is unclear if he emailed anyone but no one called her back. On the XXXX, XXXX husband XXXX, talked to XXXX XXXX and again verified personal information ( verifying account information and that XXXX had made the wire transfer ). He was told the funds would be posted to XXXX account soon. That same day XXXX received another call from XXXX XXXX with another series of questions requested by Chase. Per XXXX the call consisted of asking XXXX questions on why we did it, who gave me the Chase information etc., did I get instructions from anyone? The following day, XX/XX/XXXX, there was still no transfer of funds to XXXX account so XXXX asked XXXX XXXX for the transfer to be reversed. XXXX XXXX initiated the reversal and stated that XXXX would need to authorize the reversal with Chase. XXXX spoke to Chase and attempted to authorize the reversal of the wire transfer back to XXXX XXXX but Chase informed her that since she never received the transfer there was no reversal to approve. XXXX called and emailed XXXX XXXX but both banks were closed until XX/XX/XXXX due to the Monday XXXX XXXX Holiday. On Tuesday XXXX XXXX spoke again to XXXX, from XXXX XXXX, who was now back from vacation. She was informed by XXXX that it takes time and she should give it until end of the week and if not call back. On Friday XX/XX/XXXX XXXX went in to her Chase branch and asked them what she needed to do to unsecure her account so she could accept accept wire transfers. The Chase employee told her, as she had been told previously, the transfer would bounce back automatically to the account it was sent from when it was initially sent. On Monday XX/XX/XXXX, XXXX talked to another agent in the XXXX XXXX Wire Transfer Department who stated this isnt normal, but offered no assistance other than tell Chase to return your money, although they provided no contact as to who she could tell. On XX/XX/XXXX, per XXXX XXXX XXXX, Chase told them that once the funds are wired, they can not be reversed, the transfer is irrevocable. XXXX at the local brand has told Chase that XXXX and XXXX were both in her presence when the transfer was initiated and Chases response was How do you know its her granddaughter. XXXX asked if XXXX and XXXX could go to Chase together but XXXX is in Nevada and XXXX has now moved back to Washington. At this point, it appears that Chase has no intentions of depositing the funds in either account. On XX/XX/XXXX, XXXX spoke to XXXX in the XXXX XXXX wire department who placed fault on XXXX and XXXX saying XXXX should have gone to her bank to make sure she could accept a wire transfer prior to XXXX sending it.XXXX was unaware that her bank account could not accept wire transfers and XXXX XXXX did not mention that this is something that she needed to do when she and XXXX were at XXXX XXXX providing the transfer information.Sue then said XXXX triggered a case when she asked for a reversal of the wireXXXX asked for Chase contacts again and received the same answer internal only. She asked if an attorney could get names and she said we dont have actual names just inter-branch bank communications. As of today, XX/XX/XXXX, still no deposit in either account. | ||||||
| 03/02/2022 | Yes |
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| I have been attempting to resolve a matter involving my Credit Card with Chase Bank. During our conversations, I attempted to find more information regarding the CCPA ( California Consumer Privacy Act ) process and the steps needed in order to successfully complete a CCPA request. Once I brought up the CCPA, the supervisor I was dealing with went to ask about the process, stated only attorneys can access CCPA information, when I asked why that process is different than Chase.com she stated because it was an internal policy. They will not provide the policy, instead she went to another supervisor to get an address to send a Subpoena too, which is not how Chase Bank CCPA policy details the steps. I called back for further assistance, spoke to another manager, they stated the same thing regarding attorney subpoena, but gave a different address. Neither were the correct address, no policy provided, misleading information was given and false information was given. Below are some of the recent calls I have had with Chase and the CCPA and in those calls are voice recordings that will show they violated my consumer rights. XX/XX/2022 XXXX : XXXX XXXX XXXX needed, no other method of getting CCPA information, would not provide policy or a method for me to obtain CCPA information. XX/XX/2022 - XXXX XXXX Subpoena Policy : Stated I needed to request information through Subpoena. Stated it was policy. Could not provide policy. Stated she didnt have the policy and she was piggy backing off what I said, and what another supervisor said ( Supervisor XXXX XXXX *Now she is looking into the policy Attempted to give me a DIFFERENT Address than prior Supervisor XXXX and the CCPA line different number. - XXXX XXXX : Sent request for call log for auto pay and issues reported for delinquencies XXXX XXXX provided the incorrect information, went to ask other supervisors for clarification, got back on the phone and pretended she could not hear me, she disconnected the call on purpose to avoid furthering the CCPA Violation - XXXX : Submitting call to be reviewed for wrong information which resulted in the incorrect call being listened too. - XXXX : XXXX Very helpful, was disconnected from prior lady, XXXX directed me over to the below : XXXX offered this information : Payment Team : Will handle payment issues Problem : Try to get online, cant access, call in get access, still cant do autopay, call back in told payments are made and autopayments are on, payments are made 2-3 then no autopay. Problem : Cant access online, not getting monthly statements Online Access : Still can't set up autopay - XXXX XXXX : " Does this need to come from an Attorney '' : No, never heard of any internal policy requiring an attorney or subpoena. XXXX walked me through online payments, verified I cant do recurring XXXX provided the following to gather CCPA information : For CCPA : Write in Executive Office Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX What will writing this office do? Rights being violated, assign a Case worker, will work through investigation. CCPA : XXXX Once I submitted a CCPA request through the portal, once I googled it, my account showed no submission. Called in to verify the submission after I could not gain access through online portal. Request did not show in system, the man sent a back end request and said I could follow up. I received the CCPA Request and it was denied, with little information other than " an Exemption '' exists. Called CCPA for more information and to find out why. Lady Name : XXXX XXXX with 4 people, all of which had no idea about CCPA, and transferred me around, 4th lady had no clue about CCPA but said she would find out who can help She then came back and said she could assist XXXX hours in. Chase Bank did not protect my Identity and asked after over XXXX hour later if they could verify my information. I addressed this over the recorded line. The 4th lady submitted a registration request, not what I wanted, then an error occurred again online, I could access portal but error read " ..This part of our site isnt working '' and I have received this many times in the past, lady frustrated, says she cant help, then hangs up on me. Next Caller : XXXX XXXX MI Looking into the call review for last call, maybe call with XXXX manager, call review in place. I can't access through the online portal, XXXX XXXX can't access or assist in providing information, XXXX stated my only option would be to hire an attorney to subpoena the information, which is not part of their policy anywhere online and no supervisor has been able to produce the policy so I can read it to be informed. Subpoena Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/26/2021 | Yes |
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| XXXX XXXX ( Mortgagee ), being duly sworn hereby deposes and says : I am a mortgagee and owner for the property located at XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, ( Property ). I considered multiple mortgage lenders for the purchase of the Property. In late XXXX, I connected with XXXX XXXX, a Chase Mortgage lending advisor, about working with Chase to secure a mortgage for the Property. On XX/XX/XXXX, I agreed to move forward with Chase as the mortgage lender. Upon learning that I had received an offer from XXXX, XXXX XXXX offered to match that rate of 2.625 % with 0 points as well as offer an additional 1/8 percent rate discount via relationship pricing. I clearly communicated the need to complete the closing by XX/XX/XXXX, to which XXXX gave us her assurances that this would not be a problem based on the Chase Closing Guarantee. On XX/XX/XXXX, XXXX XXXX uploaded the first loan estimate package as agreed. On XX/XX/XXXX, my review of loan estimate package revealed multiple errors, including additional points being erroneously noted, no mention of relationship pricing, a higher than agreed to mortgage rate, and a error in the town of the Propertys address. Much of this remained uncorrected for some time despite multiple emails that alerted XXXX to these errors. XXXX assured me that she would fix these errors when the agreement went into underwriting. On XX/XX/XXXX, XXXX congratulated us that we had secured financing. Thereafter, on XX/XX/XXXX, XXXX XXXX, Chase Loan Processor, alerted us to missing information including the sales contract- information that we had clearly provided to XXXX previously by our attorney and Real Estate Agent. Despite this, I resubmitted and provided this information directly to XXXX XXXX on XX/XX/XXXX. With XX/XX/XXXX approaching, and concerns about XXXX errors and unresponsiveness, and valid worries about Chases ability to adhere to the terms of the mortgage and agreed upon deadlines, on XX/XX/XXXX I contacted XXXX XXXX, a Lending Manager at Chase at XXXX XXXX XXXX, XXXX, NY. At this point, the closing date was set for XX/XX/XXXX, and XXXX and XXXX assured us we would close on time. On XX/XX/XXXX, we heard from XXXX that XXXX was working to clear the loan as soon as possible. On XX/XX/XXXX, just one day before the agreed upon closing date, XXXX informed me that the closing may have to take place on XX/XX/XXXX. XX/XX/XXXX came and went, and Chase failed to clear the loan. Despite XXXX informing me that he would extend the rate lock, the closing did not take place on the agreed upon date and he communicated that the closingwould take place by XXXX, XXXX or at latest, XX/XX/XXXX On XX/XX/XXXX I emailed XXXX XXXX, Executive Director at Chase to inform him of the process. While XXXX did not respond right away, XXXX XXXX assured us we would close on Monday, XX/XX/XXXX. On XX/XX/XXXX I still had not received all the documents from Chase, and Lending Manager XXXX XXXX had apparently left the office for vacation. I was able to discuss with XXXX XXXX and we were eventually able to close on Tuesday, XX/XX/XXXX. Moving the closing date led the sellers to charge rent for the inconvenience of the delay and their detrimental reliance which put their contingent purchase of another home at risk. We supplied a check to cover this additional and unexpected cost due to Chases inability to close on the agreed upon closing date, despite the Chase Closing Guarantee. We were abundantly clear that before ultimately choosing Chase as a mortgage lender, that the closing needed to take place by XX/XX/XXXX. I detrimentally relied on the representations of Chase, its Chase Closing Guarantee, to close by XX/XX/XXXX. I moved large sums of money over to Chase in order to obtain relationship pricing. I incurred fees and missed work due to the unexpected, delayed closing. We relied on Chase standing by their guarantee. Lastly, I have reached out 5 times as early as XX/XX/XXXX and as late as XX/XX/XXXX regarding the Chase Closing Guarantee, and the responses have been that is handled by another department. Well let you know. No one has contacted us or let us know and it has been 3 weeks our delayed closing date. Our Attorney, XXXX XXXX, from XXXX XXXX XXXX attests to the lack of cooperation and the difficulty that Chase Bank exhibited during the transaction. He witnessed XXXX XXXX unresponsiveness and XXXX XXXX commitment to the adjusted closing date of Monday, XXXX XXXX despite XXXX XXXX promptly taking vacation the week of XX/XX/XXXX. This is concerning as XXXX has stated in an email that he was involved with the loan leading up to the closing and after making the commitment, he goes on vacation without informing the other parties that his involvement was complete. | ||||||
| 06/15/2020 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/XXXX, I purchased round trip tickets through XXXX for a flight on XXXX XXXX for {$1500.00} flying on XX/XX/XXXX from XXXX to XXXX and returning on XX/XX/XXXX. My Booking Number was XXXX. I charged the ticket to my Chase Card, Account ending in XXXX. On XX/XX/XXXX, I discovered by checking with the XXXX website that the return flight was cancelled by XXXX due to the Covid-19 pandemic. This was not revealed to me by XXXX until XX/XX/XXXX. As a result, I immediately realized that I had no way to use the tickets I had already purchased, so on XX/XX/XXXX I filed a Dispute with my credit card company, Chase, asking that I be credited the amount of the tickets since the airline did not fulfill the terms of my purchase when they cancelled my flight on XX/XX/XXXX. Alas, my tickets were worthless. Chase issued me a temporary credit on my Credit Card, pending their investigation into the matter with the merchant. Since the merchant was XXXX, Chase went to XXXX and not to XXXX XXXX to settle this dispute. On XX/XX/XXXX, I received a notice from Chase that my Dispute, dated XX/XX/XXXX, was denied, and that my Temporary Credit was voided. They never contacted XXXX XXXX ; they just took XXXX 's information and lame excuses as fact. It was insulting to me that over the course of 3 months, XXXX had taken various positions on why they shouldn't refund their customers in full -- -especially when they are breaking the law. What is ever more insulting is the fact that Chase -- my Credit Card Company, who I trust to protect me " the consumer '' in cases of theft and fraud - had failed to provide simple protections. The fact is, Chase is now culpable by assisting a third party in committing fraud and theft and XXXX is breaking the law. And, here is why .... 1. As of XX/XX/XXXX, all Airlines operating in the USA are required to fully refund airfare to passengers whose flights have been canceled during the outbreak of Covid-19, by executive order of the U.S. Department of Transportation. As a result, XXXX has been superseded by the U.S. Department of Transportation and does not have a choice in this matter, and neither does Chase. 2. On XX/XX/XXXX, I called XXXX and talked to XXXX. Employee No. XXXX. He stated that " all refunds go through XXXX, '' and that I have to request my money from XXXX. 3. Essentially, XXXX is breaking the law and by doing so, is committing a fraud. The fact that XXXX had offered me an insulting {$11.00} USD credit on a $ 1,500.+ purchase is not only laughable - it is unacceptable, and will certainly warrant a class action suit, of which I will be more than happy to include Chase as a co-defendant in the claim. 4. XXXX Operates from the XXXX XXXX and only has a shell company here in the U.S. Chase has much more exposure in the U.S. jurisdiction of Florida than this off-shore operation. The superfluous information in XXXX 's information on their " terms and conditions '' does not state that the customer is entitled to a credit of .0073 % of the purchase price in case the flight is cancelled. Regardless, they are superseded by the U.sXXXX Department of Transportation 's Executive Order. Additionally, the information provided by the merchant XXXX XXXX XXXX is a haphazard attempt at avoiding paying me back my money - by which they illegally claimed " Force Majeure '' in their response. This fiasco was not a " disruptive even '' for XXXX. On the contrary, they do not own the planes that were grounded, and neither the government nor God stopped their computer servers from working, nor did anyone keep them from pounding out key strokes on a keyboard. Furthermore, they are not operating an airplane, a train or an automobile. They are operating a " brokerage service '' THAT WAS NOT SHUT DOWN BY ANY GOVERNMENT ENTITY - AND THEY WERE NOT SHUT DOWN BY GOD! Even if " Force Majeure '' is implied - it is not applicable here and if it were -- - it doesn't matter -- again BY ORDER OF THE U.S. DEPARTMENT OF TRANSPORTATION. Furthermore - as per " XXXX '' XXXX employee Number XXXX -- XXXX has been credited by XXXX XXXX for the cancelled flight and they are keeping my money. That is theft! As a result, I respectfully request full credit on this purchase from Chase for my Cancelled Flights, and that Chase provide me the protections the consumer is entitled to when utilizing their Credit Card for a legal purchase. By failing to do so, Chase is " failing to abide by the consumer protection clause '' provided within their own agreement with me, the CONSUMER. As an aside. I purchased my daughter 's tickets for this very same flight with my XXXX Card, and they gave me a full credit on my purchase Dispute. Respectfully yours, XXXX XXXX XXXX XXXX XXXX, IL | ||||||
| 10/01/2019 | Yes |
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| All below is in reference to a scheduled closing on XX/XX/XXXX. Application was initiated on XX/XX/XXXX for a mortgage with Chase bank. All requested documentation/letters of explanation were submitted promptly within days of request. Monday XX/XX/XXXX Buyer's/Seller 's attorneys are not thrilled with assigned Chase client care specialist over his communication, or lack thereof, with the title company as documented in an email chain Per the email chain, final title changes and CPL were submitted at XXXX Tuesday XX/XX/XXXX I have my closing call with the assigned client care specialist at approximately XXXX. In it, he states that our closing costs have changed a bit, however, he still needs to contact the title company for a final number. Per the email chain, by midday both the attorneys are specifically requesting clear to close indication, something that the client care specialist, for whatever reasons, will not say directly. At about XXXX I call the client care specialist and request from him directly that he issue an email stating we are clear to close, which he does. This is my last conversation with the client care specialist. Closing is scheduled, and my attorney 's office provides the following items for us to bring per email instruction. 1. State-issued photo ID ( please be sure it is not expired ) 2. Personal checkbook 3. Cashier 's check per the direction of your lending team ( if applicable, as you may be directed to wire your funds by your lending team instead ) Note : Nobody at Chase ever mentions anything about a cashiers check nor does anyone ever call me back with a final number. Per our discussions with the closing agent at the title company the following day, by end of business on Tuesday, XXXX, the title company is still awaiting communication from Chase. Wednesday XX/XX/XXXX We arrive to closing as scheduled at XXXX central and the title company says they do not yet have the closing package from Chase Our attorney attempts to contact our assigned client care specialist, the manager of said specialist, as well as the original lending advisor, however, all are unavailable. Our attorney is able to get a hold of someone different who is able to escalate the matter Documentation arrives from Chase hours late Due to the fact that nobody at chase ever mentioned the fact that we need a cashiers check or even gave us a final number, and the fact that we have no local bank, I spend the next several hours arranging for my bank to do a same day wire transfer and to expedite the transaction. We were at the closing table for 5 hours. It is at this point that we learn from the attorneys that Chase attempted to reschedule closing for a later date in an email chain from XX/XX/XXXX, something that they overrode. Communication timeline Last call with client care specialist XX/XX/XXXX Called manager of client care specialist to discuss our experience XX/XX/XXXX ( never returned ) XX/XX/XXXX First call with escalation team ( promised call from manager, unkept Email received from home lending advisor requesting information XX/XX/XXXX ( Promise of call from manager, unkept ) XX/XX/XXXX Follow Up from escalation team ( manager out of town will call next day, unkept ) XX/XX/XXXX Follow Up from escalation team ( will check in with manager for follow up, unkept ) XX/XX/XXXX Follow Up from escalation team, Chase blames title company and the attorneys for the entire matter, and denies any responsibility or compensation. The lack of communication overall from Chase has been disappointing. The only person that has actually communicated with me with some regularity was the person on the escalation team. Numerous phone calls to others in the Chase organization went unanswered and were never returned. Promises of calls back from people in management likewise were never fulfilled. For an organization that claims they did everything right in the situation, and that it is the fault of others, the silence is deafening. Subsequently, not 3 months later, I receive notice from the county that our property taxes are delinquent. Further investigation reveals that Chase never accounted for the second installment of the year XXXX property taxes that were owed in calculating a cash to close, despite us receiving a credit from the sellers for it. My attorney pointed out during closing that he though they were under-withholding in light of the upcoming due date, however, representatives at Chase insisted that the number they had was correct. It seems that the fears of my attorney were realized as we are now being assessed penalties for the late taxes. Emails that my attorney sent to numerous chase representatives on XX/XX/XXXX and XXXX have so far gone unanswered. | ||||||
| 11/03/2023 | Yes |
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| I came into this branch and waited almost 2 hours, trying to open the account while Chase Bank was having systemwide errors throughout their platform the branch representative that open my account I found her extremely rude very impersonal, and she told me a lot of misinformation about this Services and account types that I was opening. The representative. XXXX told me that I had a preapproval for a Chase freedom credit card with them and that I was approved for it Based off a soft credit check that was ran that she performed. She told me that it was not a hard credit check pool, and that it would not affect my credit and that way so I said OK as we were finally closing the account after already having to deal with several rude comments that she tried to slip under the table and say to me, I saw that the closing statements that she gave me said that it was a credit card application as I was asking her, so when do I get the actual credit card that she said it was approved for me she told me that it takes 7 to 10 days to get the actual approval or not which is confusing because thats not what she previously told me, I called the XXXX XXXX number for Chase to get clarification as to what actually happened to make sure she didnt just run a full XXXX scale credit check for a credit application. I did not want to perform or have done. The representative on the phone became extremely argumentative because she said she could verify the address. I provided with her on my checking account that I just open with the credit card application. She can not verify the address because the characters were cut off and I explained to her. Yeah, I know the characters will be cut off because the banker already told me that the system does not allow for the full characters to show on the credit card application so obviously thats why so its still the same address That I just tried to enter and provide to them so rather argue back-and-forth with her I just decided to go to the branch and just try to close the account and just to be done with all of this and I want clarification as to whether or not a full scale, credit card, hard inquiry was ran on my credit or not, which no one still has been able to provide to me I was working with a polite bank teller Who called over the manager on duty. XXXX, who was extremely rude I didnt know who the lady was when she first walked up and I asked her I said excuse me are you the branch manager and she told me that she was the manager on duty I said OK and I said I would like to close the account and I informed her that I was having issues with the credit card application or process that the bank representative Just put me through. I was telling her in the middle of me talking that the banker said that I had a preapproval for the credit card and before I can say anything else she immediately cut me off telling me well preapproval doesnt mean that you approved and blah blah blah blah blah and I told her I said excuse me, maam, you just asked me a question but youre not even giving me time to answer the question youre just over talking to me and interrupting me which I found extremely disrespectful so we moved over to another window and she want to get a XXXX XXXX attitude. Well thats fine we can close your account so sorry that youre upset and that you are this and that and blah blah blah just very disrespectful And reiterate oh yeah, we can close your account. We dont have any issues doing that at all so Ive wasted close to 2 1/2 hours of my time opening an account that I had to close due to fraudulent misrepresentation of the credit card application that the lady did not tell me that she was running a hard inquiry on my credit she actually told me that I was preapproved, but that with a soft credit check that it had gave me an approval for the card and so forth, but thats not what occurred and the fact that I have to do with XXXX XXXX Customer Service on the phone and then a lady thats not even a XXXX branch manager acting like this is her personal chase bank XXXX very disrespectful very rude. I will never bank with Chase Bank at all. This is highly unprofessional from even the girl kept calling me girl in the middle of me trying to open my account. There were several disrespectful, derogatory terms, and comments that the XXXX made to me towards me and about me that I found extremely unprofessional I will never in my life even come inside of a chase bank. This is been the worst the worst experience Ive ever had especially coming from one bank, trying to transfer to a new bank with all of my business. This is unacceptable, unprofessional unethical, and for her to misrepresent the terms of a credit card application Im considering this consumer fraud. | ||||||
| 10/11/2021 | Yes |
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| We filed a dispute complaint with Chase card member services on XX/XX/21 against XXXX XXXX XXXX XXXX for transaction posted on XX/XX/21 for the amount of {$3300.00}. XXXXXXXX XXXX XXXXXXXX damaged my roof by using unsafe and substandard plywood for my roof sheathing. My roof is also leaking from where they installed the substandard plywood. They are also not licensed in XXXX and does not have the permits to work in XXXX, which is a violation of the city building code. I have contacted multiple roofers and even my homeowner 's insurance.They found problems with the flashing on the roof and sunroof and confirm that the samauma plywood used is substandard and not according to building code. Their remedy is to replace the whole roof. XXXXXXXX XXXX XXXX repeatedly deny any wrongdoing. After contacting Chase credit card services, Chase told me that, they are researching the dispute and that if they need any more evidence they will contact me. After waiting for almost a month without response from Chase, I called Chase customer service again on XX/XX/21 and spoke to XXXX. XXXX told me that the dispute team is still working on my dispute and will contact me if they need any information from me. However, I decided to send my the evidence that I had on hand against XXXX XXXX XXXX to chase via certified mail, which they received on XX/XX/21. These documents included the roofing contract, homeowners insurance findings, Attorney General Letter, building permit violation information, roof leak pictures, XXXX XXXX XXXXXXXX unlicensed in XXXX information, and substandard plywood material production information. These documents were received by Chase on XX/XX/21. After waiting almost another month without hearing from Chase, I called the chase again on XX/XX/XXXX. This time, I spoke to the agent and she told me that the dispute team needed a statement from another roofer that the material used by XXXX XXXX XXXX was substandard. We sent the expert roofer report via certified mail XX/XX/21 and Chased received it on XX/XX/21. The report from XXXX XXXX, registered roof consultant expert and licensed PA XXXX. XXXX XXXX has 38 years of roofing experience in all forms of roofing materials evaluations, application methods and design solutions. XXXX XXXX report states that the roofing plywood installed is not in accordance with the XXXX XXXX XXXX. The installed plywood do not meet code requirements and that it is structurally deficient. On XX/XX/21, we received a letter from Chase that was date XX/XX/21. It stated that that they found XXXX XXXX XXXXXXXX provided the services as agreed and expected. Chase closed my dispute and rebilled my account for {$3300.00}. I assume Chase did not receive my report from XXXX XXXX stating that the roof was substandard and not according to building code. I called Chase again on XX/XX/21 and spoke to agent XXXX and then her supervisor XXXX. XXXX said that Chase received XXXX XXXX 's report on XX/XX/21 and reopened the dispute. XXXX said there is no way I can talk to the dispute team. XXXX told me that all I can do is wait and that they will contact me if they need anything. On XX/XX/21, I received a letter from Chase stating that they are researching my dispute. However, almost at the same time I received another letter from Chase stating that " while you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account ''. Confused by their response after I submitted proof after proof that the merchant failed to provide the service we paid for, I called Chase again on XX/XX/21. The agent, XXXX answered the phone and said that unfortunately since my dispute has passed the date of XX/XX/21, there is nothing that Chase can do to help me get the money back. I was furious by their response especially since Chase purposely sent me their response letter after XX/XX/21 so it was pass the deadline for disputing any further against the merchant. The agent XXXX kept on saying there is nothing he can do and there is no one else that can help us. We requested XXXX to give us his last name so we can document this, but he would not do so. My complaint against Chase is that they purposely did not contact me to request any evidence that they said were required for my dispute until it was past the deadline. Although I did send them proof that the merchant fail to deliver the service as expected, they disregarded my proof. On, XX/XX/21, 3 months after opening the dispute, they send me a letter stating that although I may have a valid complaint, they won't help me since it is pass the deadline of XX/XX/21. This is absolutely unacceptable for a reputable company like Chase. | ||||||
| 03/23/2020 | Yes |
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| I'm a senior, XXXX, accepted into the Massachusetts annual program to defer my home 's real estate tax until I sell or die. My mortgage servicer Chase refuses to let me put this lien on my home equity ( which is now at 50 % loan-to-value ). ( I understand Chase sold my loan to XXXX XXXX ). // This program ( M.G.L. c. 59, 5 -- Clause 41A ) helps seniors use **their own resources** to tackle the urgent financial challenges facing low- and middle-income seniors in Massachusetts. // Massachusetts tops all states in the share of single people over 65 [ 61.7 % of Mass. seniors living alone ] whose income doesnt cover living expenses such as food, housing, health care, and transportation [ XXXX XXXX, XX/XX/XXXX, citing a new study by the XXXX XXXX at XXXX XXXX ]. // After the Assessors Office in XXXX MA approved my annual 41A application, in writing I repeatedly asked Chase Home Lending US headquarters to let me communicate with someone having the expertise and authority to evaluate the potential risk to Chase in approving my 41A participation. I have been denied that access. Instead, spokespeople have relayed the message that Chase does not allow any Mass. mortgagee to make a 41A property tax deferral. // ( Nor, apparently, does Chase allow their mortgagees to defer property tax in 22 of 23 other states that offer senior property tax deferral programs [ data : CRR, 2017 ]. Chase makes an exception for Oregon, where property tax deferral loans are handled through a self-supporting state fund. ) ( By refusing to participate in 41A, Chase thwarts the will of the Massachusetts legislature, which passed 41A enabling legislation decades ago and has kept it updated. Chase also undercuts the intent of cities and towns -- of 351 towns in Massachusetts, 310 offer the 41A program ). // I understand that in the experience of my Assessors Office , Chase is the only bank, local or national, that now refuses to allow their XXXX MA mortgagees to enter a 41A agreement. // The lenders risk is moderate because a 41A-eligible senior mortgagee, often with an attractive loan-to-value ratio, continues to make regular mortgage payments, and over the long term, residential property values in Massachusetts have tended to increase. My Assessors Office publishes evidence that, over the term of a typical 41A deferral, the equity in the subject home is likely to decrease only slightly from that at deferral, and may even increase! // For example, I would begin a 41A deferral with about 50 % equity in my home. The equity obligated to a years property tax deferral would be approximately offset by the equity increase from my regular mortgage payments over a year -- without considering potential home market value increase or home improvements I might make. ( What is Chase 's responsibility? Chase Bank is engaged in an aggressive ( XXXX XXXX ) effort to capture the Massachusetts retail banking market. Before Chase opened its first retail office here, the XXXX featured photos of the Chase president touring a local charity. Chase finances a Foundation with a website that says JPMorgan Chase & Co. believes that financial insecurity is a global but solvable problem. It also funds the JPMorgan Chase Institute that describes itself as offering Expert insights for the public good. // Lenders are obligated not to discriminate by age. They are obligated to perform community reinvestment. They have to underwrite community benefit. If Chase were to cooperate with 41A, might any risk and inconvenience thereby accruing to the bank be credited toward partial fulfillment of the Chase obligation to community reinvestment and benefit? ) // As a gesture toward measuring potential need and benefit for Massachusetts seniors, I ask you to consider the example of my situation. My strategies to afford homeownership have included // I bought a property that others didnt wantan old house with major functional and cosmetic needs. During 16 years in this house, Ive steadily invested effort and money to improve it. Since I first became a homeowner at XXXX, during thirty years I have legally rented space to housemates. My consistently excellent 800+ credit rating has enabled me to get well-priced financing. // Since the start of the 2008 recession I have had challenges. In the last five years, despite a solid professional record, I have faced under- and unemployment, while needing to be a XX/XX/XXXXfor multiple XXXX family members at once. // For the majority of seniors, financial security remains a fantasy. Weighing risk to each party against benefits to each party, it is in Chase 's interest to support the U.S. economy by allowing 41A-eligible seniors to use their own resources to try to stay in their homes and communities. | ||||||
| 06/27/2020 | Yes |
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| I have been a long time customer with JPM Chase bank for 20 years having held checking & savings accounts with them. On XX/XX/20 Chase recently restricted/froze my account due to a ACH deposit that came into my account. On XX/XX/20 I called Chase & spoke with 2 representatives from the fraud/resolutions team who unrestricted my account. While on the phone with the 2nd rep I did a test to ensure the freeze was lifted so I sent a {$10.00} payment thru XXXX to my friend and it went thru. I asked the rep will I receive another debit card because Chase had cancelled the one I had, she said for me to go into the bank with 2 forms of Identification & I would be issued another debit card. The same day on XX/XX/20 I went into the branch & spoke with banker XXXX about having a debit card re-issued to me, however, instead of getting a new issued debit card the banker XXXX advised that I needed proof that a transaction deposited ( the same transaction I spoke to reps earlier about & resolved issue ) belonged to me. After I had spent hours earlier on the phone with the previous reps getting my issue resolved & my account unrestricted for the very same reason the banker placed another freeze on my account. At this point I was confused. Chase stated the reasoning for the restriction/freeze was so that they can obtain proof that the deposit belonged to me. If the deposit came into my account I would think that is sufficient proof that it belongs to me. However I obliged & provided the documents they requested. On XX/XX/20 I went into Chase bank with documents & met with same banker ( XXXX XXXX ). Was there for 6 hours trying to get the freeze lifted from my account. Banker called fraud dept & uploaded & sent the documents I provided that she requested. Only " after receiving '' the documents did the fraud dept request additional info from me stating they needed an approval letter from the company for the deposit they sent me. I asked the banker to call the company I received the deposit from to verify the payment is mine. The banker refused & stated she needed to speak with the fraud dept. THERE WAS NO FRAUD COMMITTED ON MY ACCOUNT & I DID NOT APPLY FOR A LOAN OR GRANT WITH CHASE, yet, they are requesting that I submit documents to them regarding a GRANT I received from another company ( SBA ). While inside the bank whilst banker present I called the SBA to ask if there was a way to obtain an approval letter regarding the Grant I received. The SBA stated THEY DO NOT PROVIDE APPROVAL LETTERS FOR GRANTS THEY ONLY PROVIDE APPROVAL LETTERS FOR LOANS. Banker XXXX was present heard & acknowledged what the reps from the SBA said. ( Called SBA 2x s/w XXXX @ XXXX & XXXX # XXXX ). After having received documents from myself that she requested the banker suggested to the fraud dept to remove the restriction from my account. The fraud specialist stated he would forward the issue to the Escalations Dept & that it would take 24-hours to have the restriction lifted. On XX/XX/20 @ XXXX l.m. I called Chase spoke with rep who transferred me to her supervisor XXXX who stated they needed an approval letter from the Sba. I advised XXXX that I can not provide an approval letter as the SBA does not provide these to clients who receive grants. While on the phone with XXXX. I attempted to call & conference in the SBA to verify what I've been explaining to them regarding the approval letter they're requesting but she rejected the conference call stating it was not allowed per Chase. XXXX stated she has to re-escalate the issue again to have the freeze lifted & for me to call back on XX/XX/20. This was the same thing I was told on XX/XX/20. At this point Chase has not given me access to my money and has not provided a valid reason why my account was restricted in the first place. This is a form of discrimination due to this deposit being singled out for no apparent reason other than I'm a XXXX woman. Chase has rejected bill payments and transfers I've attempted to make through my account causing late fees and return fees as well as my credit reputation with these companies. This criminal-like treatment I've received from Chase staff, who's requestibg conflicted requirements in their attempts to force me to prove and provide documents about a relationship I have with another entity is blatant disrespect to a long time customer such as myself! These unofficial-bullying tactics Chase is performing acting as a 3rd party recovery agency, taking it " upon themselves '' with " NO AUTHORITY '' to enforce clients to provide documentation regarding myself and another institution where no form of fraud or crime has been committed in order to access my funds is preposterous and uncalled for and has to be checked!! | ||||||
| 10/10/2022 | Yes |
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| I feel I have been discriminated against in applying for a business account and a business credit card with Chase Bank. I preface this by saying this my second business. I have owned and operated another business that I also founded since XXXX of XXXX and use a different bank for the service. However, I have been looking to change banks after some growing challenges with my current bank and thought I might test the waters by opening the checking account for my second business with Chase. I was wrong. I see Chase was previously sued for discriminating against XXXX customers, and I am sad to say I suspect a similar situation here. I opened the business account in the XXXX, Texas office in XXXX of XXXX. I'd originally planned to fund the account the same day, but the banker, XXXX, encouraged me to wait to fund the account online to avoid fees. Also, I was given the runaround about why the funds took so long to be made available for me to use. In fact, XXXX went as far as telling me that my previous bank hadn't released the funds for the transfer when I could see that the wiring bank had already released the funds. I was never given a sheet of temporary checks even though I asked for them and was discouraged from applying for a business credit card in the office. I had mentioned to the banker while in office that I had frozen my social, so I needed her to let me know if I needed to unfreeze it for the process. When I applied for the card online a few weeks later, instead of receiving an instant notification of whether I'd been approved, I received a notification stating that I'd be notified of the bank 's decision. Since that time, I've received several phone calls asking me for additional information, including the original XXXX documentation from the IRS. Suspecting fraud myself, I went into the bank with the document. Then, instead of asking me for my driver 's license while there ( which I presented to my banker ), I was told I didn't need it only to later have the banker request I bring in my driver 's license. So, I had to make another trip. I have had my social security card frozen for a few years now, and I asked the banker what the issue was with my card when I returned to present my passport because the notification I'd received said I needed to present proof of where I was born. I told her that I had the card but not the book because it is lost ( I did apply to repace it with the Department of State in XXXX, but I still have not booked an appointment to replace it ). She told me the bank only need proof of address and dismissed my comment about the proof of birthplace. When I presented her my driver 's license, she made a comment about my address being my mailing address and flipped it over as if she were inspecting it for counterfeit evidence. I'd since updated my address since I'd moved, so the address differs from the address on the IRS ' employer identification number. However, it now matches the information on the credit card application I submitted to Chase. The banker already knew I had problems with delivery, internet and access to other services because of my builder not having made my address live ( I live in new construction and was the first person to close in my neighborhood. ). She said that the bank suspected identity theft, and I wanted to know why but she never said. She never asked me about my social being frozen. She said Chase wants to make sure I'm not committing fraud. I told her the verification questions she asked me were very easy for anyone to figure out, as they are public information -- where you went to school and professional licensure ( I am a pharmacist, and one of the verification questions asked was which professional license I ever held. The correct answer " intern pharmacist. " ). She said she'd call the bank 's credit card tomorrow, as in XX/XX/XXXX to " let them know. '' However, I received no follow-up. I am repeatedly told the bank will " notify me of their decision '' regarding the card. I have never received this kind of treatment when applying for credit cards, qualifying with mortgage lenders, or buying a car. I am not one to label everything as a race issue, but what else can this be? It's been more than two weeks, and I still don't have a business credit card. They just keep nitpicking for more information. I am a licensed pharmacist, so why would I impersonate myself? If they suspected me of crime, why not alert the authorities? They could easily do a background check. Instead, they are continuing to harrass me and ask really silly questions anyone could find on XXXX. That alone tells me that being XXXX and discriminatory is far more important to them than protecting my identity. | ||||||
| 08/07/2022 | Yes |
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| I am unsure if my story touches anything illegal for this company if so I would like to be made whole. I have had a credit card in good standing with increasing credit limits that I use only for emergencies or when I'm certain I can use it for an investment that will return the money. Chase Bank has records that will back this up. I work for myself so the 2-year span of covid had a direct impact on my financial ability to pay. It also had a significant impact in increasing my XXXX which has led to other consequences that impact my ability to pay. So, I had intentionally my card get to the point where it was declined so that's all of the phantom charges that are extremely difficult to dispute that we're attached to that card while I was married that I no longer wanted attached and do the circumstances beyond my control I was unable to manage that particular aspect of my finances. I considered it to be an acceptable loss to rack up a few charges to get rid of all of these small recurring charges aquired during my failed marriage ( I keep that particular account ) so I could focus on my mental health/earning potential. Since my divorce my financial situation has been such that I could no longer fit managing a credit card into my life. My ability to become current happened to coincide with a Chase Bank outgoing phone call trying to collect. I have to imagine that they have record of this phone call to protect themselves. On this phone call I was assured that I was current and because I had taken the time and effort to remove all charges from my card I did not check my balance to see that I was under XXXX. Two or three months later I noticed that I was buying behind again to the tune of several XXXX dollars I assumed that because I had come current some company acting in bad faith had charged this credit card against my will. That was not the case the charging question wasn't interest charge of {$3.00} and some sense. After learning that none of the charges currently 'owed ' have all been put in place and run automatically. So I attempted to bring this to the attention of a human at Chase Bank I eventually reached an account manager whose name I do not remember, but I am also sure that that call was recorded as well because she she said as much. I also tried to gather how likely it was that my last phone call the outgoing one from them was also recorded and she seemed to think that was likely. I told this manager the reason for my phone call was to get my account reactivated because I was in that moment in need of immediate funds. This is the entire reason I kept the card instead of closing it, for emergencies. I asked the manager also to come to some reasonable compromise on these fees my starting point in the negotiation was paying the {$3.00} fee only. This part is now speculation, any thinking rational account manager would have been able to see my purchase and payment history and understand that my ability to pay and therefore the ability to stop these exorbitant fees by simply paying the balance was currently not an option for me because I fell on hard times again. It has been very difficult for covering from the pressures that the situation covid made put on my financial situation but I was making ground, until Chase informed me that they were fully aware of my history and good standing and my need to use this credit card for his intended purpose and basically told me no they will be doing nothing for me. I threatened legal action because I do so when I know I am in the right. I imagine this manager is familiar with the intricacies of whatever of whatever legal contract is between Chase and I and believes that the letter the law it is on their side in this case. I suspect they are using their knowledge of my current financial situation and the fact that I have approximately {$200000.00} in home equity that I was trying to get access to that they now have access to because of my inability to pay. My use of said credit card was supposed to be my stopgap for emergency spending because I know when I get down close to XXXX I have equity that can be usable but requires time. If I do not get ahead of this somehow that {$3.00} charge could possibly end up as {$200000.00} in fees. Which of course I will not be able to pay I must liquidate my assets and become a pauper or declare bankruptcy or hope that this agency hasn't been fully defend or take it to the courts. I would like to know if this case has enough merit for you to continue before taking it to the courts because time is a factor when this company is racking up charges and there will come a point a tipping points the where the fees will become overwhelming and I will have to seriously consider bankruptcy. | ||||||
| 09/12/2023 | Yes |
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| XX/XX/XXXX - I setup a bill pay via Chase.com to pay a vendor from my business account. I have done this many times over the years. Chase processes the request by sending a check to my vendor. Chase sends the check from their secure location with their signature and accounts. The money is pulled from my account. The check Chase sent was XXXX for the amount of {$4500.00} to XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX contacted me to advise they never received the payment. I logged on to Chase.com. The check had cleared and was paid. I downloaded the screenshot of the cashed check that Chase sent directly from their facility. The check appeared to be scrubbed and did not list XXXX XXXX XXXX as the payee. XXXX XXXX XXXX was the new payee on the check with the address listed as XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. On the back of the check was XXXX 's signature with the statement, " For XXXX XXXX XXXX Only. '' It appears the check was processed by " XXXX XXXX ( XXXX XXXX, CA ) XXXX XXXX XXXX XXXXXXXX '' on XX/XX/XXXX. XX/XX/XXXX ( Continued ) - I went to my local Chase branch to get their help in resolving the issue. XXXX XXXX XXXX at the XXXX XXXX XXXX spent 2 hours with me putting together the claim to submit to Chase 's fraud department. She assured me it would be taken care of within 90 days. The claim number is XXXX. Chase deposited {$4500.00} into my account stating, " Reversal : Online Payment XXXX. '' XX/XX/XXXX- Chase removed the {$4500.00} from my account stating, " Claim reversal : Online Payment XXXX. '' XX/XX/XXXX - I contacted XXXX XXXX XXXX at Chase via email as well as XXXX XXXX XXXX for explanation as to why they removed the {$4500.00} from my account for my fraud claim. They advised they couldn't assist and it was escalated to a case worker with the branch escalation group. XX/XX/XXXX - I emailed XXXX and XXXX at Chase to see if they had an update. They did not reply. I called the claim phone number for Chase. They advised they'd been sending letters to XXXX XXXX, but they haven't responded so there was nothing Chase could do. I decided that Chase was already passed the 90 day period for fraud claims so I needed to contact XXXX XXXX who deposited the check to try to get the money back myself. I spoke to XXXX at XXXX XXXX at XXXX XXXX. He said he could see Chase filed a claim against them and didn't see any reason it wouldn't be paid out. Their case number was XXXX. XX/XX/XXXX- XX/XX/XXXX - I contacted both XXXX XXXX and Chase many times via their customer service lines. Both of them said there was no action as XXXX XXXX wasn't responding to Chase 's letters so Chase couldn't do anything. XXXX XXXX would often put me on hold when they found out I was calling about the claim then the line would go dead. At one point, I spoke with a kind woman at XXXX XXXX. She could see they closed the claim, but she reopened it and escalated it as she could see the check was fraudulently deposited. She said her managers would be contacting Chase to get this claim sorted. Additionally, when I spoke with a customer service agent with Chase he advised that the situation at Chase was not going well, and I should file a claim against Chase and XXXX XXXX with the Consumer Financial Protection Bureau. XX/XX/XXXX - I went back to my local chase branch to speak with XXXX XXXX. He apologized profusely and said he would internally handle this for me before the end of the week. XX/XX/XXXX- XXXX advised that Chase would not pay out the claim, because XXXX XXXX hadn't paid them. I argued that Chase sent the check themselves, and I use their services to protect myself from fraud. He agreed and advised that I file a claim against Chase and XXXX XXXX with the Consumer Financial Protection Bureau. XX/XX/XXXX ( Continued ) - I emailed and called XXXX XXXX at Chase. She is the XXXX XXXX of Chase XXXX Banking in XXXX XXXX. I explained to her the situation. She said she would help. She asked me to file a police report as well as file a report with the FBI. XX/XX/XXXX - I filed a claim with the XXXX XXXX Police Department. The claim is XXXX. I also filed a claim with the FBI per XXXX 's request. XX/XX/XXXX- XX/XX/XXXX- XXXX passed me off to XXXX XXXX XXXX. We played phone tag and emailed. He said he would keep escalating. I emailed he and XXXX several times. They have stopped answering. He told me to call a man named XXXX. I called and left him a voicemail, but I didn't get anywhere with him either. XX/XX/XXXX - I emailed a XXXX XXXXXXXX XXXX to XXXX and XXXX that showed that XXXX XXXX XXXX was arrested again this spring for check fraud. I was hoping this would help them pay the claim by showing he was arrested. They didn't even answer my email. | ||||||
| 02/02/2023 | Yes |
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| Okay so XXXX 's XXXXXXXX XXXX down here in Florida I'm located on XXXX XXXX XXXX hired me to detail a couple of cars he had on his lot and so he paid me by check and he made the check out to XXXX XXXX which is a business that I have been starting up and I have been waiting to get the LLC and all of that set up but there's has been complications in doing that which is delayed that process so I went to my bank to deposit the check into my personal account because I don't have a business account with them yet and even though the check has cleared through the other bank and has fully deposited into my account without any interruption or cancellation of the check my bank has Chase Bank is my bank Chase has frozen my account Frozen my debit card and is now indefinitely holding that money and I have made contact with them twice to try and resolve this matter and they want me to show legal documentation from an attorney that states that I own that business at which point I told them that I do not have that as as of yet and it is now going to be impossible for me to acquire that because I found out as of XX/XX/31st 2023 somebody else has already filed for the business name of XXXX XXXX so therefore I can not provide the documentation that they are wanting due to the fact somebody else has already filed and founded a detailing business under that name while I was in the process of filing mine so for the same name so they beat me to it and so I have relayed this to Chase Bank and they have refused to return the money to the account of XXXX 's XXXX XXXX they've refused to send the money back to his bank they've refused to release the money an unfreeze my account and my debit card despite the fact that I will not be able to provide them that documentation due to the fact somebody else as I said has beaten me to filing for the LLC for the name XXXX XXXX and so I asked him I said well if I do found a business and I does have XXXX XXXX in the name you know would that work to resolve this issue at which point they told me it has to match word for word what is on the check which is impossible because as I said somebody else beat me too filing for that exact name so there not going to send the money back to XXXX XXXX XXXX which I know the owner of XXXX 's XXXX XXXX XXXX on a semi personal level okay I'm even worked for him helping him out while he was struggling with two of his people being out of work temporarily one was on vacation the other one was on medical leave so I've worked with him I've done work for him detailing work and I know him on a XXXX semi semi personal level but no matter what I try to do to resolve this they refuse to cooperate in any kind of way or compromise in any kind of way they won't even you know cuz I asked them I said well what if I never provide that documentation then what happens at which point they're representative told me that they would hold on to the money indefinitely which they can't do they they're not allowed to do that because one if they suspect it's a fraudulent check then they should be reporting it to the proper authorities at which point it's going to get thrown out immediately because I know the business owner and he did mean to write me that track he just forgot to put my legal name on the track and next to my well what was going to be my business name and two my income tax return from the IRS is being direct deposited into the account that is frozen and because it's frozen I won't have access to my IRS income tax refund either at which point that becomes theft by swindle I have done everything in my power to try and resolve the situation with Chase Bank but they refused to cooperate or budge in any kind of way and are waiting on paperwork for a business that I can now no longer claim thus the paperwork is never coming and I've asked them to send that money back to XXXX XXXX XXXX I don't want the money not if it's going to cause a problem at which they refuse to do that until I provide them documentation that is no longer legally eligible for me to acquire to give to them and to make matters worse they have threatened to Red Flag me in the back system which I'm assuming is the system that communicates to all banks Nationwide also due to the fact that they have Frozen that account I was unable to make any of my credit card payments this month well the month for the month of XXXX so now my credit card payments are late which has adversely affected my credit and I have credit card companies calling me wanting their money cuz like one of my credit cards is through XXXX another one is through XXXX Bank and they've called me informing me that my payment is late and I can't give them their money now because my accounts Frozen | ||||||
| 07/30/2021 | Yes |
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| On Friday XX/XX/XXXX {$20.00} XXXX have been wired from my Chase bank account without my knowledge and approval to the XXXX XXXX, recipient XXXX XXXX XXXX XXXX XXXX, NY whom I neither have ever met nor knew. Chase Bank transaction reads as follows : ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX NY XXXX IMAD : XXXX TRN XXXX XX/XX/XXXX XXXX Prior to this theft the following chain of events had occurred : 1. Wednesday, XX/XX/XXXX my XXXX XXXX stopped connecting to the XXXX network around XXXX XXXX. I went to the XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Wednesday, XX/XX/XXXX around XXXX and the problem has been resolved by replacing the old SIM card with a new one. I have never lost the possession of my phone ; however, I did not see where my old SIM card went and how was it utilized by the XXXX store employees. 2. Thursday, XX/XX/XXXX an unauthorized transaction showed up on my Chase Bank account that reads the following : XX/XX/XXXX Card Transaction XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) {$3.00} I did not pay attention to that transaction since I was not notified by the bank and did not check my bank account that day. 3. Friday, XX/XX/XXXX, I was working at my new home that I have purchased on XX/XX/XXXX located at the address XXXX XXXX XXXX XXXX IL XXXX. My cell phone has been disconnected from the cell provider 's ( XXXX ) network again from XXXX to XXXX I could not send/receive e-mail messages or make any calls. 4. At XXXX I picked up my XXXX-year-old daughter - XXXX XXXX - from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX XXXX, XXXX , IL XXXX and went to the XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX , IL XXXX where the same pertain was performed by the XXXX employee my SIM card has been replaced, however, I did not see how my ole SIM card has been utilized or recycled by the XXXX employee. 5. After I have restored my network connection, I start seeing that several e-mails came to my XXXX account however, I decided to look at them up later since I was on a way to the XXXX XXXX XXXX store. Among the messages received, three were of particular importance : E-mail Message A : XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX XXXX XXXX Notification : Equipment Modified Dear Customer, Equipment has been modified for device # XXXX. The XXXX has been changed from # XXXX to # XXXX. Sincerely, XXXX Customer Service E-mail message B : Chase XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX Chase logo Sign in to read your new secure message Here 's what it's about Wire Template Activated We encourage you to sign in to read your Secure Message because it contains specific information about your account. View your secure message in two ways From Chase Mobile, go to your profile and choose " Secure Message Center '' At chase.com/SecureMessages, just sign in to your account. The secure message will expire on XX/XX/XXXX. E-mail message C : Chase XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM From Account Ending in XXXX Transaction Number : XXXX Dear Customer : We sent your wire transfer referenced above, as you requested. If you have questions, please call us at XXXX for personal accounts or XXXX for business accounts. Sincerely, XXXX XXXX XXXX XXXX Such messages have been sent to my XXXX e-mail account XXXX, XXXX XXXX and XXXX Central Standard Time respectively and I could not see these e-mails since I was not at my current home and had no access to the laptop computer and my XXXX has been disconnected from the network ( as I have described before ). I went to the XXXX XXXX XXXX XXXX store in XXXX XXXX IL while my wife - XXXX XXXX - has checked our Chase bank account and has determined the theft of {$20.00} XXXX. She immediately called me around XXXX XXXX and informed me of that. Following that, I called Chase Customer Service department at XXXX to report a fraud. I was told to call Claims Department next morning to file a claim at XXXX and select option 2. On Saturday, XX/XX/XXXX, I called Chase Claims Department and established a case ( the case number is XXXX ). Then I went to the local Chase branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX where I have signed additional document needed for my claim to proceed, closed the account where the theft took place ( XXXX ) and opened a new checking and saving account for me and my spouse. I insist on the inception of the criminal investigation against all the perpetrators, parties and collaborators involved in this federal crime to be persecuted to the full extend of the penal Code of Justice. Please reach me out at any time for more information about this case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX | ||||||
| 01/01/2022 | Yes |
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| To whom it may concern, I am XXXX and recieve XXXX checks monthly. I used to work and the money would also go into this account. However, I have have not been working lately due to covid. But now, all money going into my account is my XXXX check. Before covid, I was driving for XXXX. Through XXXX, I rented a car to drive from XXXX car rental. Since XXXX is partnered with XXXX, once a car is rented, XXXX verifies the car insurance, make, and, model thru the XXXX app, making it possible for one to drive. However, if the payment is not made the same day, at the start of each week, XXXX removes the information and XXXX will not permit you to drive, unless you provide them with current vehicle information, ie : valid insurance, make, model, & registration. And so, until I got covid, I paid for 2 weeks to XXXX. I used my debit card to pay. Next, I tested positive for covid. At the same time, I was evicted from my apartment and went to court for the eviction, and lost my case, & is now on appeal. Because I had no place to live at the time, I found resources that allowed me to enter a covid isolated hotel program in which I was unable to leave until quarantine was over ( 14 ) days. I was unable to pay XXXX therefore, XXXX removed my ability to drive by taking the cars information off of the XXXX app. I, at that time, called XXXX and XXXX to let them know the situation and that I could not pay and that I was going into isolation. The rental car was not picked up. Next, I lost my debit card, and canceled it. After release from the quarantine, I received a call from XXXX telling me that the car would be picked up and for me to place the key inside the glovebox. Which, I did. The car was picked up. About a few days later, ( I'm finding out now because I have been and still am locked out of my online banking ) my account had been charged over {$2000.00}, making my account that much in the negative. Despite my negative balance & my deliberate refusal of overdraft protection, without my knowledge, & my having canceled my debit card, Chase bank had decided to pay the charges. This was not the only charge. Chase paid several amounts with " my money '' that I didn't even have in the bank. At what point does the bank decide to not allow more charges? I have filed a dispute with the bank and asked the question of " why did you pay for things with money that is clearly not in my bank account? '' I then asked, " if a charge was made with my account balance at negative {$2000.00}, would they pay now, and why not? '' Why didn't the bank stop paying when my account balance had been XXXX? Furthermore, why was XXXX allowed to charge my card after it had already been canceled? Yes, I authorized two payments of {$320.00} to my account thru my debit card. But once my card had been canceled, that fact says " hey, you, you can't do that ''. My XXXX check will never cover the amount of charges that chase bank has allowed onto my account. I still to this day, have been unable to log into my online account. I've called and have personally went into the chase bank branch with my identification but the verification question of " my brother 's birth date '' ( which I didnt know off hand ), couldn't be answered correctly. Each time, I am placed on hold 30 min until another agent can answer the call to ask me another set of questions that I may not know the answer to right away. My taking my identification into a branch failed as well. Despite my having identification, I am still asked a set of questions. So, its kinda funny how I can not even look at my account online, yet, chase continues to dish out my money that I don't have. Well here 's the trouble. I am going to get my XXXX check Monday. If my check deposited, its still going to leave my account negative. My XXXX check is what I use to live for the month. Just having gone thru an eviction, my new apartment will not accept my not paying rent for the 1st month. If I don't pay rent, I will be evicted and my daughter and I will be forced into XXXX. I need my XXXX check above all else. That is the absolute best thing that can occur for me at this time. I would like to dispute the charges from XXXX, but that problem can wait until the problem of my rent being paid is out of the way for now. If the charges aren't cleared from my account and my account balance remains negative, I would not have a dollar to my name for a few months. Surely, I can deal with that negative balance later using the process of disputing. So, chase bank, I would like for this situation to end with your allowing me to withdraw my XXXX check this month, so that I am not evicted and to allow me the opportunity to go thru the dispute process. Thank you, XXXX XXXX | ||||||
| 01/22/2021 | Yes |
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| This is the continuation of my first complaint # XXXX. Brief timeline : XX/XX/XXXX - I applied for Chase Freedom Credit card. XX/XX/XXXX - Received a letter to call to verify my identity. XX/XX/XXXX - Called and verified identity and confirmed application was indeed submitted by me. XX/XX/XXXX - Chase denied my application for Freedom credit card for the following ungrounded reason : " a prior credit card or deposit account was closed by Chase '' ( this was a result of ID theft fraud I was a victim of in XXXX ). XX/XX/XXXX - Out of frustration I called Chase, spoke to someone named XXXX, and requested that my request be reconsidered since they could not discriminate and retaliate against me because I was an ID theft victim XXXX years ago. I did not ask Chase to close my account back then. All they needed to do, was to remove charges that were not made by me, but they chose to close the accounts instead. XX/XX/XXXX - XXXX very much apologized and told me he would submit for reconsideration, since I have perfect credit, no delinquency, no late payments, etc, basically no reason for declining my request. XX/XX/XXXX - I received a call from XXXX, the same person who I spoke the first time. XXXX was very sorry because, in his own words, after he reviewed my credit for the second time around, he realized that I had many other active credit card accounts and credit available to me. Therefore, he denied my request for the 2nd time. This time, carefully, switching from one reason to another. I am curious to see what he can come up with the 3rd time around. Now what, if they review my credit, they can simply add yet another unreasonable reason of me having several mortgage inquiries that count as one? If I didn't know any better, I would say that this is unheard of. But corporations like Chase are allowed to do whatever they want. Who am I to stand on the way? I can not describe how frustrating this experience is with Chase, among other things, starting with making wrong appointments, having 2 people working in a branch, having miles long lines outside and only one teller to assist, waiting for hours to be told that they had no business associate to open account, to name a few. Chase has turned into this giant monster swallowing everything on its way without any fear of being caught and punished. I told this XXXX person that what he told me was yet another evidence of the fact that Chase underwriters simply denied me credit using boilerplate language without really going into my credit and properly reviewing it before they denied me credit the first time around. XXXX adamantly denied the fact that they failed to review my credibility in a proper manner. Who would accept the harsh reality? They simply through out this generic boilerplate template denial notice, but did not expect me to do my own research and find out that what they did is unacceptable and against the law. If you deny consumer credit, then you MUST do your due diligence in terms of reviewing the credit, looking at the history, considering every factor, and then tailoring your response towards that very individual, and not by generating a generic template that, for some reason, they failed to see that I have too much available credit the first time around. I don't know what to call this. I am stunned. Of course I have other accounts. Having 12 active accounts is not a crime as long as they are all in wonderful terms and standing. Some people have over 20-30 active accounts, and less credibility, but Chase approves their credit applications. And I happen to know a few. Where is the justice here? Like I told XXXX, my intention was to build good relationship with Chase, and not because I am desperate for yet another credit card with Chase. I qualified for mortgage, for God 's sake, why does Chase makes this look like they would be doing me a favor by granting my request? This is unacceptable. This is abuse by big corporations like Chase, this is deliberate retaliation against me and discrimination. Chase could not come up with a better reason to deny me. Because there is NONE. This is ridiculous. At the end of the day, like I told XXXX, this was my final attempt to establish good relationship with Chase. I completely crossed out Chase from my financial life as of yesterday. I cancelled my appointment to open business account. I will take my personal and business needs to XXXX XXXX. I will be closing my personal checking and savings accounts with Chase. After all, Chase is the one to lose by turning down a very valuable, reliable, creditworthy customer like myself. There are hundreds of other financial institutions where I can take my business. It is ultimately Chase 's loss. | ||||||
| 10/19/2017 | Yes |
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Web | Older American |
| I have been a customer of Chase bank for 4 years and always get serviced at East XXXX XXXX ( and XXXX XXXX XXXX branch in XXXX. The issues began on XXXX XXXX, XXXX : there were a few ATM withdrawals totalling {$2800.00} that were made at different locations, which I found out about using online banking. The next morning I reported these fraudulent transactions to my XXXX branch and showed them my debit card which was always in my possession. They issued a new debit card to me but did not close the account. The bank has started the investigation. I am attaching a list of stolen amounts as an attachment # XXXX. On XXXX XXXX this nightmare happened again but with much larger amounts ( see attachment # XXXX XXXX. I have faxed this list over to XXXX XXXX Department twice from my branch with the help of bank employee by the name XXXX XXXX, XXXX Relationship Banker. I have asked my son XXXX XXXX to contact you but his complaint was forwarded by you to the XXXX office as unauthorized third party. XXXX XXXX # XXXX XXXX On XXXX/XXXX/XXXX the XXXX XXXX has notified me that the investigation will continue even though my earlier claims over the phone were denied due to debit card having a chip. I was also told that by the end of the investigation I will receive a report with all the details about my account. XXXX XXXX # XXXX is a copy of the letter to the XXXX office ). On XXXX/XXXX/XXXX the {$2800.00} was credited to my account XXXX $ XXXX $ XXXX $ XXXX {$400.00} XXXX, that is 3 months after it started and XXXX times these amounts were being debited and credited back and forth by the Chase bank. In total, I have XXXX fraudulent ATM withdrawals and XXXX times bank has given me credits and then taken it all back. There is absolutely no logic in what the bank was doing, other than complicated things and confusing myself and itself as well. In XXXX, I have finally received all my funds back for the exception of {$500.00} that were withdrawn from my XXXX Account on XXXX/XXXX/XXXX. I have filed claims over the phone to XXXX XXXX Department but the claims were denied. The bank explained that the XXXX XXXX had a chip. But all other funds were also stolen using the debit card with the chip, but the bank has returner them to me. How is this transaction any different? The bank does not want to take responsibility for this. It turned out that there are XXXX more persons that are living in my building and have the same issue as I do. Their information is on attachment # XXXX. All of us became victims of the same type of crime : someone called Chase Bank requesting a new debit card to be issued along with the pin code and XXXX did mail it to the addressees, which is us. Meanwhile our mail has been intercepted and tampered with. This is how the debit cards and pin codes were stolen. It seems that Chase Bank customer service did not follow their security protocol when issuing a new debit card over the phone. Clearly banks fault!!! In my case alone there were XXXX debit cards mailed to me that I did not know of and never received. XXXX of those were mailed after the first fraudulent ATM withdrawal XXXX {$2800.00} XXXX. Because of the negligence and unprofessionalism of XXXX employees their customers suffer. It has been almost 5 months of suffering and the suffering of my family that helps me get through this. I have spent enormous amount of time at my branch trying to solve this issue. All employees know my face by now and even try to avoid me. The constant worrying of not being able to cover monthly bills, rent payments, and other expenses has reflected on my health also. I also want to note XXXX unpleasant fact. After 2 months of trying to resolve the issue and constant visits to my branch, the employees of my branch started to become very rude and tried to avoid me at all costs. The branch XXXX XXXX XXXX is not an exception. I, as a client of Chase bank that trusted all my money to the bank, was greeted there as an annoying client. And I have never XXXX raised my voice or said anything rude or nasty. This entire period my attitude was very professional. The video recording can prove this fact. All my friends and relatives are shocked and I dont think they will ever trust their funds to Chase Bank. I am asking for the return of funds that belong to me - {$500.00} that were stolen from my XXXX Account on XXXX/XXXX/XXXX, the claim that was denied by Chase Bank. I still have not received a promised report with the transaction details. I am thanking you in advance for your consideration and you help. Sincerely, XXXX XXXX XXXX : # XXXX. List of fraudulent transactions # XXXX. First claim from XXXX XXXX # XXXX. XXXX from XXXX XXXX of Chase Bank # XXXX. List of victims | ||||||
| 06/16/2018 | Yes |
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| I made a prepaid online reservation and paid it in full on XX/XX/XXXX, for a 7-day car rental from XXXX rent a car, in the amount of XXXX EUR ( {$70.00} ), with my XXXX credit card from J P Morgan Chase Bank. I picked up the car on XX/XX/XXXX and returned it on XX/XX/XXXX. Upon returning the car on XX/XX/XXXX, XXXX rent a car issued a Final Receipt / Bill in the amount of XXXX EUR ( {$12.00} ), which I signed accepting to pay {$12.00} to settle the charges related to the car rental services that had been rendered. However, on XX/XX/XXXX, 11 days after returning the car and after both the merchant and I agreed on the final amount to be collected ( {$12.00} ), I noticed the merchant made a charge on my Chase credit card in the amount of {$200.00} ( XXXX EUR ). Considering that the Final Receipt / Bill issued by the merchant and signed by me was in the amount of {$12.00} ( XXXX EUR ), I had been overcharged {$190.00} ( XXXX EUR ). Therefore, I filed a {$190.00} billing dispute with Chase related to this {$200.00} charge on my credit card on XX/XX/XXXX. Chase ruled in favor of the merchant stating that I had been offered an upgrade for which I had been billed for. I mentioned to Chase Disputes team on the phone that I had not received an upgrade and been billed for it. I proved I received the same car group I had booked online by attaching the online reservation receipt and the rental agreement. In both documents, the car listed is a Group A car, so no upgrade had been extended and that could not be a valid reason to consider the {$190.00} overcharge as a valid charge. I had to reopen the dispute multiple times on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX due to Chase 's mishandling of the investigation. In all these cases, Chase was merely closing the dispute again without any valid reason and without replying adequately to my request to receive valid proof /documentation from the merchant supporting the {$190.00} charge I was disputing. After speaking with a Chase disputes team 's supervisor on the phone on XX/XX/XXXX, I was advised to send a secure message requesting to reopen the dispute for the {$190.00} charge in dispute and to attach the aforementioned Final Bill / Receipt issued by XXXX rent a car upon returning the car on XX/XX/XXXX, in the amount of {$12.00} ( XXXX EUR ). I sent that message and Final Bill / Receipt on XX/XX/XXXX at noon. I followed up on XX/XX/XXXX about the status of my request to have this {$190.00} charge dispute reopened with a Chase Dispute Team 's supervisor ( XXXX ), but she was unable to assist me. She just said that it could take up to 30 days for me to know whether my request to have this dispute reopened had succeeded or not. She also advised me that I was responsible for paying the amount in dispute ( {$190.00} ) as the previous dispute for this charge was closed and I would not be released from the responsibility to pay this {$190.00} until the dispute had been reopened, which could take up to 30 days. I claimed that paying the {$190.00} disputed amount would make me waive my " claims and defenses '' right and that I would not do that. I advised that Chase should reopen my dispute immediately and I should not be kept liable for the {$190.00} charge until a new outcome of the dispute had been issued by Chase. Please also note the Final Bill / Receipt issued by XXXX is in XXXX, but XXXX advised me that they would get it translated into English before reviewing it. Also, please note, the Final Bill / Receipt issued by XXXX is the very last document issued by the merchant throughout the rental process advising the customer about the outstanding charges to be collected. If the customer does not agree with this Final Bill / Receipt, then he/she does not sign it. Therefore, any discrepancies as to the services rendered and billed charges are settled by the merchant and the consumer when the merchant issues the Final Bill / Receipt and the customer signs it. As such, this document supersedes any other previous document issued in the rental process, as this is the final document where both parties agree on the final charges and amount to be collected. Please note both XXXX and I came to an agreement to the final charges {$12.00} ( XXXX EUR ) so I signed this document. I therefore find unacceptable that the merchant charged me {$200.00} ( XXXX EUR ) 11 days later. Please note I did not receive any fines and the merchant refused to provide me with an explanation for the charges. I am hereby attaching my last request submitted to Chase on XX/XX/2018 at noon to have this {$190.00} dispute reopened, including the FInal Bill / Receipt issued by XXXX in the amount of {$12.00} ( XXXX EUR ) on XX/XX/XXXX. | ||||||
| 01/20/2020 | Yes |
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| Earlier this month, on or about XX/XX/2020, I applied for a Chase Freedom Visa card. I have been a Chase Sapphire Preferred cardholder for at least 4 years, and thought I would like to add a cash back card to my wallet. If memory serves, I applied for the card after signing in, as a customer, to the Chase website, which pushes out an array of cards for the customer to consider. To my surprise, my application was instantly declined ( via pop-up ), but no decline reason was included. The next day, I was on the XXXX website purchasing an airline ticket. There was a solicitation to apply for a United Explorer Visa card, advertising a sign-on bonus of up toXX/XX/XXXX miles, and a few other benefits related to flying on XXXX XXXX. Since I was buying tickets, I found these benefits appealing and so applied for the card. The application portal stated that I would receive an instant decision. When I submitted the application, however, a pop-up appeared stating there would be some delay with the decision. Also on XX/XX/XXXX, I received an email from Chase stating that they did not approve my request and instructing me to sign onto my online account, where also I found the adverse action letter for the Chase Freedom Visa application. Until then, I was unaware that the United Airlines Mileage card was issued by Chase. If I had known, I might have held off applying until I had a chance to read the adverse action notice for the instant decline I previously received. On XX/XX/XXXX, I received an email from Chase declining my application for the United Visa card, and with instructions for accessing the adverse action notice. Both adverse action letters stated the decline reason was, " Too many credit cards opened in the last two years associated with you. '' Soon after, I received an email from XXXX stating that my credit score had declined ( XXXX is temporarily providing free credit monitoring since I was affected by the data breach ). I was truly puzzled by these declines, since I have excellent credit and have been a Chase customer for at least 20 years. The decline reasons became clear after I spoke with a couple Chase representatives to attempt to resolve my complaint. One representative stated that there is an industry-wide rule, not specific to Chase, that a customer will be automatically declined if he/she has opened more than 5 new cards within the last 24 months. She then put me on hold, during which time I went on XXXX and found, on multiple websites, that this practice ( referred to as the 5-24 rule ) IS in fact a Chase-only policy. Therefore, what the representative said is not correct, and Chase should not be misleading customers by stating the 5-24 rule is an industry-wide policy. The only benefit I can see from this otherwise unpleasant set of experiences is that I now understand that these declines were the result of Chase policy aimed at onboarding only those new account holders who are likely to be profitable. Undoubtedly, Chase 's analytics have found that, on average, people who open more than 5 new credit cards within 24 months are not likely to generate sufficient spend to offset the cost of the sign-on bonus, and so Chase automatically declines all such applicants. While a company may have the right to institute any non-discriminatory rules to maximize their revenue and protect their profit, I think Chase 's sales practices need to be changed. Chase Credit Card application solicitations advertising new account bonuses should clearly disclose to the prospective applicant that he/she will be declined automatically if he/she has opened 5 new credit card accounts within the last 24 years. These disclosures should be in bold print, large font, so other customers do not have the same experience I have -- taking time out of my day to apply for a Chase card, feeling the sting of decline, and the subsequent hit to my credit score. As do many people using US banking and credit products, I operate under the assumption that likelihood of repaying ( e.g., credit score ) is the primary factor that will be considered when I apply for a credit product. This is certainly the advice from credit counselors and financial literacy experts. When this is not the case, as with the Chase 5-24 rule, I think the burden is on the card company advertising their cards, to state auto-decline rules such as these, right up front and in plain view to the prospective applicant. Otherwise, their solicitations are unfairly misleading applicants who are affected by but not otherwise aware of these automatic rules to applying for a product when it is already pre-ordained that they will be automatically declined, and then suffer a hit to their credit score. | ||||||
| 11/03/2018 | Yes |
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Web | Older American |
| P Morgan Chase allow criminals to steal {$24000.00} from my account and allowing them to get away with it!!! My name is, I have been a client of XXXXXXXX XXXX and JP Morgan Chase since XXXX at XXXX XXXX XXXX XXXX XXXX branch. On XX/XX/XXXX, I noticed, using Chase Application on my phone, a lot of fraudulent transactions on my checking account XXXX XXXX XXXX. Starting on XX/XX/XXXX and ending XX/XX/XXXX, total {$38000.00}. Plus two fraudulent checks. The checks were stopped and money returned on my the account. I used this account primarily to pay automatically my credit card once a month.The last time I used this account to write a check was on XX/XX/XXXX, I wrote a check for {$49000.00} to my ex wife after divorce. It took Chase very long time to change my address on the account so all XXXX, XXXX statements went to my old address to my ex wife. Before XX/XX/XXXX, I checked my account XXXX using an application for the first time on XX/XX/XXXX and only paid attention to my credit card, did not even think that other transactions pertain to my account since I did not use it for anything other then credit card since XXXX. On XX/XX/XXXX two more transactions took place for {$4000.00} and {$8000.00} and that made me understand that my account was defrauded. I called the department of fraud in Chase and allured them about fraud. I also notified them that I just got divorced and the address on the account must be changed from XXXX XXXX address to XXXX address. I also went for two weeks in XXXX from XX/XX/XXXX till XX/XX/XXXX. On XX/XX/XXXX I finally received all correspondence from the bank, signed all the paperwork and sent it back to the bank, with great difficulties because nobody uses fax anymore and XXXX does not deliver to PO Boxes. I had security alert set up on all my accounts, for any transaction other than credit card for more than {$120.00}, I supposed to get an email warning me about it. NONE OF THESE FRAUDULENT TRANSACTIONS GENERATED ALERT. The alert works on my other related business account but on this account the alert system was either never implemented or purposely deactivated. The account was closed and check for {$64000.00} was mailed on XX/XX/XXXX to the the old address on file, at the time the account was closed, my ex wife received the check and deposited on my other related account. Despite my numerous requests over recorded lines and in writing filing the claims the address was not changed until XX/XX/XXXX and Chase lying that they found no prior requests for address to be updated or changed. There are 3 fraudulent transactions from the same so called " merchant '' that Chase refused to compensate me. Each of them {$8000.00} sent to XXXX XXXX no address or telephone provided to me on any Chase report. First {$8000.00} were sent by the bank on XX/XX/XXXX, second {$8000.00} on XX/XX/XXXX third on XX/XX/XXXX, just few days after I reported the fraud to the bank. My claim, for some reason was broken in three different claim which were handled claim specialists, first claim was denied because it was reported few days after 30 days period self imposed ( when I opened this two related accounts, which is not a business its a family trust/partnership, as indicated in the opening documents, the period in XXXX was 90 days, but even this was not explained to me ) The other two claims for {$8000.00}, to the same XXXX XXXX were cynically denied " for the reason that i previously had business with the merchant. If they mean a fraud they allowed on XX/XX/XXXX its very cynical, if they mean a previous earlier transactions its a simple lay, they have to prove it, but I have no idea who or what XXXX XXXX is. I never had any business done with XXXX XXXX. They suggest that I have to resolve it outside the bank but not even provide me with any information about XXXX XXXX.. The bank approved other claims for {$6900.00} and {$8000.00} on XX/XX/XXXX and XX/XX/XXXX. They mailed cashiers check for {$6900.00} on XX/XX/XXXX to the new address. They also mailed a cashiers check for {$8000.00} via XXXX the new address. 1. Alerts : I opened two, related accounts on the same day with the same rules. Account XXXX XXXX XXXX XXXX has alerts and is in good condition, nothing was stolen and I get alerts every time I do transaction over {$120.00}. Its banks fault that they failed to implement or allowed someone to deactivate this important protection alert on the account XXXX XXXX XXXX XXXX XXXX, which was invaded and defrauded. I never had prior business or transactions with XXXX XXXX before first fraud on XX/XX/XXXX, then second fraud {$8000.00} XX/XX/XXXX and third fraud XX/XX/XXXX, which I reported on XX/XX/XXXX. the closed account number is XXXX | ||||||
| 07/07/2023 | Yes |
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| I went to Chase to open a business account so that I could deposit a check for {$5000.00} from a grant I was awarded. Upon opening the checking account, the banker asked if I would like to set up a Credit Card Account for my business and told me about a promotional offer they were running. The offer being : if you charge {$6000.00} on the credit card within the first 3 months of the account opening, chase would give you {$900.00} cash back bonus. I figured it would be worth it seeing as I already needed to spend that {$5000.00} from the grant, but I requested a detailed explanation off terms because I am recovering from XXXX XXXX XXXX and didnt want to unknowingly get myself into a bad financial situation with a credit card. The banker set up the account, but it became clear down the road that the terms were not properly communicated to me. When, months later, I was trying to find the opening date for my credit card, to reference for the 3 month window/end of promotional period, I found an email I had received from Chase stating your application has been approved. This email was dated XX/XX/23, and was the only correspondence I ever received from chase regarding the approval of my line of credit. So, In turn I began making purchases on the card on XX/XX/23 and determined my deadline to spend the {$6000.00} to be XX/XX/23. On XX/XX/23 I was a making a number of final purchases to push me over that $ XXXX threshold but one of the vendors I purchased from did not charge me for a few items that were back ordered, even though the full purchase amount was reflected on my receipt. At this point, I reached out to Chase to request and extension/exception on the promotional offer due to my having proof of spending the full $ XXXX in the three months even if my credit statement would not yet reflect that full amount. The customer service agent I spoke with assured me that most requests for such an extension are approved. The following week however, I received a message from Chase via their in-app messaging center. The message stated that my request for an extension on the promotional period was denied because my credit account was opened on XXXX, therefor the deadline was XX/XX/23, not XX/XX/23 as I thought. I responded with a screenshot of the email I had received from chase on XXXX which said your application has been approved as proof that the promotional period should have been XXXX - XXXX but I never heard back from that chase employee. I then went into a branch and attempted to work it out in person, the banker there told me they didnt have the authority to do anything but would escalate the issue to her branch manager and get back to me. I have not been able to reach that banker since our meeting. I then called chase and attempted to escalate the complaint through their customer service line. I was told I would need to speak to several people and one by one Id be pushed up the ladder till eventually someone would be able to give me some answers/resolve the issue. The second employee I was transferred to however, told me she was the end of the line, that I could not speak to anyone else and ultimately hung up on me with zero progress made or questions answered. Finally, I went to the branch location where I had opened my business account and an incredibly nice banker by the name of XXXX XXXX spent over an hour working through the details of my complaint and compiling evidence in my favor. On top of the email from chase on XXXX stating my application has been approved, he also found an email they had sent me prior, which said they would need more time to process my application, and in looking at my first credit card statement, the statement period is shown to have started XXXX. XXXX told me he would escalate the complaint and be in touch once someone from chases complaints department was assigned to the case. The following week, I was contacted by the employee who had been assigned to my escalated complaint. She told me no extension would be given, had no answers to my questions and gave me no recourse to get answers or have this issue resolved. In my last attempt to work it out with Chase, I emailed XXXX to tell him what I had been told and asked if he was able to take the complaint any further before I went to the CFPB with a complaint. He responded with remorse, saying it was disappointing, but there was nothing else he or his manager could do to help with my complaint. I feel as though Chase has purposefully mislead me, scammed me, and are now brushing me off. As a disabled/minority small business owner, this feels predatory and is a huge blow to my efforts of regaining financial stability post major health complications. | ||||||
| 05/11/2021 | Yes |
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| I opened a Chase business account on XXXX XXXX by visiting the branch in XXXX, NJ. I funded the account with $ XXXX ACH transfer through my personal checking account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2021 that was made available on XX/XX/2021. ( As promised, great! ) Now that the ACH connection was established I initiated a transfer of $ XXXX on XX/XX/XXXX ( fri ) for funds availability on XX/XX/2021 XXXX Tue XXXX per the XXXX ACH transaction scheduler on Chase Mobile App. I didn't see the funds in my account on XX/XX/2021. I also didn't see any deduction from my personal checking acct at XXXX. I called Chase business banking on XX/XX/XXXX in the morning XXXX XXXX XXXX XXXX XXXXo check on the status of transaction. They mentioned that the transaction has been pended for verification since its a high value transaction. I expressed my dis-satisfaction that Chase bank should have reached out to me for any verification that's needed. I would have been happy to oblige. The rep mentioned, I am reaching out now! ( Wait - didn't I just called you to check on the status of my transfer?? ) I was upset that Customer service was trying to cover up on the Banks lack of communication on the status/transaction tracker. I did let her know my dis-satisfaction that Chase did not send me any update on the transaction/where the process is held. I mentioned to her that its not okay for Chase to hold my transaction without giving me an update/status. I also mentioned that I needed the funds to fund a real-estate transaction XXXX very time sensitive ). She tried to host a three-way bank call with XXXX to verify Account ownership and funds availability ( process made sense to me XXXX however she wasnt able to get through XXXX customer service line on the phone. She then cancelled the transaction without my permission. That got me over edge ... how could you cancel a transaction without 'my ' permission that 'I ' initiated. She mentioned please use other methods to fund your account ... go to the physical branch and verify your account or get a bankers check from XXXX XXXX XXXX to fund this transaction. I was super mad by then and let her know that I opened the Business banking account with Chase a few days only after I got re-assurance from Chase banker at the branch that they facilitate the high value transactions without a wrinkle. I escalated the issue to Supervisor and did let her of my issues ( just to re-cap ) : 1. No update/status tracker of the ACH transaction in progress on the online portal or Chase App nor did I receive an email/postal communication that the transaction is in-progress ( including high value transaction - per Chase customer service associate ) 2. When I call in Chase customer service they updated me that the transaction is pended for verification. Rep claims that me calling in to verify the status of transaction is equivalent to letting the customer know of the status of transaction. I mentioned very clearly those two are not the same. She was very polite and mentioned that's the best what she could do. Her supervisor also mentioned the same thing. My concern is not that they need to validate high value transactions but ChasXXXX need to update its systems to make sure Customer can receive communications XXXX email, SMS, online portal updates XXXX to request additional information from Customer as needed. I was banking on the fact that the funds will be available on XX/XX/2021 but that wasn't quite the case. Eventually Supervisor mentioned that even if I re-schedule the transaction it will take 2 additional days for the transaction to go-through with no assurance that it will not again be held up for additional scrutiny. I then asked the supervisor to compensate me for {$50.00} transaction fee levied from XXXX to which she refused. I asked her for the compensation just because of the lack of clarity in the process from Chase to transfer funds from external account XXXX my XXXX account ). I did re-cap the entire process of my transaction where I scheduled the transaction on XX/XX/2021 and then Chase promised that the funds will be available on XXXX XXXX and then Chase messed up and didnt even update me on additional information needed and then eventually cancelled the transaction without my permission. Her only comment was 'I am sorry ' about that. Its sad to experience that from Chase which is one of the largest banks in the country ... they dont have infrastructure to provide clarity on the transaction status and ask/update the client on any additional documents requested in a timely manner?? This put me in risk of losing the transaction ... I eventually ate of the fee from XXXX ( at no fault of XXXX ). | ||||||
| 07/19/2022 | Yes |
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| On the XXXX of XXXX, 2022, I clicked on a link from an email that appeared to be from " XXXX ''. The email address was XXXX. They used the same logo and type face as XXXX and requested that I fill out a form that was required for money-laundering. I thought the email was real. I clicked the link. Nothing happened but a XXXX search page opened. So I opened my account to look for the document. At this time, i started to notice that money was being transferred out of my account. A total of 9 transactions were attempted. I was only able to cancel two - that were connected to my personal account. The 7 transactions connected to my business account were successfully completed. As I noticed this was happening, I frantically tried to stop the transactions but was unable to reverse them. I tried to report them as unauthorized, but XXXX only gave the option to EMAIL your complaint with a XXXX response time. I tried to call - but the phone number was not available. I was left utterly helpless by the corporation as I was being robbed and there was no way to close my account, freeze the transactions or disconnect my connected bank accounts. It was a complete and utter failure on XXXX behalf to protect its customers. Since I could not reach XXXX I called my two bank accounts that were connected to my XXXX account to try to stop the transactions from going through. I called XXXX XXXX ( my account in XXXX ) and they blocked all transactions that were not coming through my debit card. No money was stolen from this account. I called Chase- where my New York based business account was held and they similarly told me they would block XXXX from further transactions but did NOT block anything. The only thing that was stopped from going through were transactions that could not be funded due to a lack of funds. I later saw that my Chase account still had an active relationship with XXXX in my account settings, so clearly they failed at their obligation to block and END a linked business account relationship to XXXX. The following day three transactions posted to my business account, wiping out all of my funds and overdrawing my account. The three transactions were for the following amounts : XXXX USD, XXXX USD, and XXXX USD. A total of XXXX USD was successfully debited before Chase took the initiative to block further transactions. The robbery attempted to withdraw almost XXXX from my XXXX account as that is the daily spending limit. ( Which I could also not modify when I was being robbed ). I filed claims with both Chase and XXXX- and Chase immediately began an investigation but contacted XXXX who then told them that the transactions were all authorized. This was and is infuriating, as obviously I had already notified both Chase and XXXX the night that this happened to tell them that the transactions were NOT authorized, nor did I have any idea who these beneficiaries were. I called Chase back to contest their findings explaining the fraud and how it happened and they told me that the bank is not liable for returning funds lost in phishing scams, because I obviously gave my contact info to someone. This could not be further from the truth. I clicked a link for a document, NOT to make a payment, NOT with a password, NOT with any permission to open or take my money from my account. I then filed a police report and a report with IC3 - the FBI - and shared that with Chase to further claim that I had not authorized these transactions, and they subsequently denied my claim again. On the other hand, I was filing a claim with XXXX simultaneously. They explained that Chase had found the claim to be authorized because of the existing business relationship and that I should focus on filing a claim with XXXX since that was who indeed would be able to refund me IF the transactions were found to be fraudulent. I waited for over two weeks for a response, and heard nothing. When I finally got my response, XXXX agreed that the charges were fraudulent and unauthorized, but suddenly attempted to shift blame to Chase, saying they would be responsible for refunding me. XXXX had previously told me, in a recorded telephone conversation, that IF they found the transactions to be fraudulent and could not recover the funds, they would be responsible for giving me a refund. NOW they are telling me that Chase will have to do so, and I shouldnt wait for them. Not only is XXXX unresponsive and extremely slow in getting back to you, they are making blatant contradictions in their process and are avoiding giving a refund. They should be responsible for this money since it is their lack of customer service and availability that has ultimately allowed this fraud to take place | ||||||
| 01/06/2020 | Yes |
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| Back in mid XXXX of XXXX, i became aware that my bank account with Chase bank was overdrawn by a well over {$400.00}. As i took the time to go over my transactions on my account, i was aware of multiple ACH transactions that was taken out of my account from XXXX dated all the way back to XXXX of XXXX. I was not aware of these transactions because most of them hit my account within a couple weeks of each other in XXXX. Once i went over all the transactions that i was not aware of, i immediately contacted Chase Bank and XXXX XXXX department to dispute these transactions on my account. I gave them each transaction that i was not aware of and they filed the dispute and was told that they both would do an investigation. While Chase did their investigation, i was told i would temporarily receive those funds back to the account. I was also told that they would freeze the account so nothing else could be done with that account and to go into my home branch when possible and set up a new account. Around XX/XX/XXXX, i went into a Chase Bank location to set up a new account and spoke with a branch rep who set up a new account for me and also contacted the Chase fraud department to see what the status was with the dispute. He was told that he had to give me a form to fill out regarding the claim and fax it back to them so they can finish the investigation. He gave me the form and i filled it out and that form was faxed to the fraud department along with a printed ledger of the transactions in dispute. He mentioned that i should see the funds back on my new account in a couple of days. A week went by and I did not hear back from the branch or the fraud department regarding the investigation and the funds being returned back to me. So i decided to give the fraud department a call to see what the status was. And to my surprise, i was told that the investigation was still active, but due to a " 60 day rule '' that Chase bank has regarding disputes, i would not be getting the bulk of my money. The only amount i would get back was {$37.00}. I was told that because of this rule, they only return funds from 60 days of the first transaction that was deemed fraudulent. After hearing this, i immediately went back to the Chase bank and spoke with the branch manager. After speaking with him for well over XXXX hours, he told me he was aware of this " rule '' but based on the transactions that was submitted to the Chase fraud department, he didnt understand why they went all the way back to XXXX of XXXX, when the ledger submitted to Chase started with the first transaction in XX/XX/XXXX, which would have been within the 60 day rule that the fraud department was referring to. Well after getting nowhere with the fraud department, i was told by the branch manager to contact XXXX to make sure that they was aware of the fraud. I told the manager i have already called XXXX, but have not heard anything back from them. I told the manager that i will contact them again since they gave me a case number regarding the dispute. After waiting over an hour to get them on the line, and after hours of trying to get a direct answer from XXXX, they finally told me that they determined that the transactions were fraudulently taken from my Chase account and used by a person overseas XXXX account. They also told me that they closed that persons account and reversed those funds back to the my Chase account. I called back the branch manager at the bank and let him know what i was told by XXXX, and he said that i should see the funds back on the account in about a week at the latest. Weeks have gone by and i did not see any funds returned back except the {$37.00} mentioned earlier. I called the branch manager back again to see what the status was, and he called his team and told me he does not see any funds reversed back from XXXX. So after days of going back and forth with XXXX and Chase, i finally got them both on the line at the same time so they could speak with each other to fix this. XXXX confirmed with Chase that the funds were indeed fraudulent and that they confirmed that the funds were sent back to the account. This was in early XXXX i had this call with both of them on the line. It is now XX/XX/XXXX. After multiple calls to Chase and XXXX, i have not received my funds back from Chase bank and i have also stop hearing from the branch manager. I called today and finally got him to take my call. He mentioned that he was still waiting on the fraud team on his end. So now i am behind on multiple bills and rent due to this situation as i unfortunately live paycheck to paycheck. I was given this site by a family member to contact in hopes maybe something can be done. | ||||||
| 09/09/2018 | Yes |
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| Dear CFPB, I would like to report a very serious and concerning issue of voice recognition, voice identification, and call recording that most companies do in some capacity or another during the course of conducting their business with customers. Last time it happened to me, I got very surprised by how it was done and I got really upset and angry because I felt that the company ( the bank ) violated my rights completely and it was very illegal, completely unjustified and wrong to say the least. I want you to look into this matter because you got to do something about it since it has gotten completely out of line, and I also want to always have a choice from now on when it comes to the recording of my private and sensitive conversations or having my voice recognized, analyzed and IDd by AI without serious and justified cause. I really want to ask for the immediate action on your behalf, because even though federal law may be interpreted to allow something like this, I know for a fact that California law is much stricter and I know that it's very right and very important to stop such illegal business practices. I'm mostly concerned about the use of artificial intelligence to analyze and ID my voice by the banks or other Fis and I reported one such incident in a case that you have on file ( # XXXX ). I'm not a criminal and I was always the law-abiding citizen, so unless there is a very good reason for this and it's done by the law enforcement to prevent criminal activity, you should not allow anyone, especially financial entities, to do it without my express consent and direct knowledge of such activities. I'm sure as the CFPB, you are well aware of all applicable laws when it comes to this, specifically regarding artificial intelligence voice recognition, voice analysis, and voice identification, so I'm pretty sure I don't need to send and explain to you all this in more details. You have to understand that in some cases I do not mind when my voice is being recorded during my conversations because I may actually want that for personal, business or legal reasons. However, I always want to have a choice at very least and I want to be expressly notified when it happens. I would really appreciate if you can do something about it because it has gotten out of control and I feel like nobody even cares anymore about following the law or upholding my civil rights, freedoms, and liberties given to me by the constitution for being a loyal citizen. You also have to understand that if I do not consent to a voice recording or conversation recording, I want to be able to contact each and every business via some other means such as email because I should not be denied the right to communicate with them if I need to. I think you should make sure that everyone in California does this and I'm sure that as the CFPB you should make sure that it's being done properly. In California, we have a lot of very rich people and a lot of movie stars, celebrities, e.t.c., so it's very easy to understand why we have stricter laws about recording calls and conversations since none of these people want to have their privacy violated in such a blatant and illegal way because of their status. I am certain that they do not want to have their private matters exposed because of bad practices since they are US citizens with rights just like anybody else. So please, I'm begging you, do something ASAP because I feel like I do not have any civil rights left in this country. I feel that I'm always being profiled and I do not have any privacy of any kind anymore. Thank you and if you need more explanations or more detailed statements from me that explain my concerns and the way I understand State and Federal laws, please let me know. I hope you know that all laws have to be reasonably understood by all citizens, and all laws have to be reasonable in general, so that even someone like myself who is severely XXXX and may have difficulty with that due to a limited access to legal system and legal aid, would have equal access to justice and legal protections. And last but not least, you should know that plain and simple meaning of all US laws can never be overridden by any other interpretations to allow and accommodate people like myself to protect their civil rights, freedoms, and liberties in this great country. Thank you very much and please let me know. I would be forever grateful for your help with this matter. If you can't or don't handle this kind of complaints, please forward it to the appropriate agency or department. I did inform CA AG about this but I want all other applicable organizations to get involved as well. Sincerely XXXX XXXX XXXX | ||||||
| 12/01/2023 | Yes |
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| This request is in reference to a transaction with XXXX XXXX posted to my XXXX credit card on XX/XX/XXXX this year. Having attempted to get justice on XXXX previous credit card disputes without the correct resolution, I have to use this method to obtain a truthful and just solution to an extremely sleazy and unlawful attempt to charge me, a Senior citizen ( who has contributed to the forward progress of this country during numerous times of need, although my way of doing it, usually is behind the scenes ) for a service that I never authorized. The transaction with XXXX occured after I had already made XXXX true purchase for a XXXX XXXX XXXX that was {$290.00}. During this real purchase I was required to supply my credit card number and security code thus allowing XXXX to possess this information with a XXXX XXXX intention. During the real transaction process, I became suspicious as although you had to create a username and password there were no instructions as to how and when to use it in relation to the XXXX. In fact I went thru the entire process and even at the end they still never instructed you how to access and proceed to use your pass. This made me think that it was some kinda scam but I figured out you probably had to login under the username and password. Once logged in you still didnt know if they were going to in fact honor what you had paid for. During the process you were never advised of additional charges of XXXX cent plus taxes until you paid for the pass and figured out you should login. After completing the process and booking a single trip for me alone, I decided it would not be fair on this type of trip to not take my wife. I immediately thought that I should purchase another pass for her as my initial thought was its should be more economical. I initiated an additional application and realized prior to supplying the credit card information that it may be cheaper to pay full price for her ticket instead of buying a pass for {$290.00} and the additional XXXX cent plus taxes. I then closed out of the app, erased my cookies and proceeded to research the full price and see if we could get on the same plane. After doing this I noticed that it was in fact cheaper as she was only going on the XXXX trip as the layovers were long and demanding. After this I then went back to the website and purchased a full price ticket for her. My hyphosiss is that I was either hacked or someone in XXXX went into the server and pulled up the incomplete application and filled in the credit card information. In the supporting documentation that was supplied by XXXX I have highlighted areas on page XXXX that shows, Booking closed, payment completed and the amount owed is XXXX ( in XXXX different areas ) As with XXXX XXXX, the other party is easily able to come up with a false answer to justify their argument after the fact since they have had time to think up a counter after I supplied the flaw. Information impactedness comes into play as I have unequal access to their server and the time stamp on my transaction. More details are supplied in the supporting letter to XXXX and highlights in the rejection letter on page XXXX. Please also let me point out that on that same page XXXX of the rejection letter at the very top it says : Invalid dispute. Accepted transaction is also disputed. This tells that I had accepted the XXXX true transaction so why would I open a dispute on something that I already had admitted was true and used during XXXX. The statement is truly biased and is paradoxical. No login credentials were created or no transactions were ever attempted on this phantom account although I did in good faith take another trip to XXXX via XXXX XXXX and XXXX on XX/XX/23. If I had gotten another pass, my wife could have gone with me for taxes and XXXX cent. That would have been an offer that I couldnt refuse as she did successfully manage the long layovers because of non direct flights on her full price ticket to XXXX via XXXX in XXXX. Having worked in Customer Service, Claims, including Management at XXXX XXXX companies, it is really hard to believe that no one in Frontier or XXXX ever considered that I might actually be telling the truth and never even realized how unreasonable it would have been for me to pay {$290.00} for a pass plus a full price ticket. To compound the situation, on page XXXX of XXXX rejection letter, in the passengers section it shows that I was already a member. Normally online this would trigger a prompt telling you that you are duplicating a transaction and do you want to continue. No such prompt. Hated to have to go this route, but the people analyzing this seem to not want to accept that this is the truth. | ||||||
| 03/24/2023 | Yes |
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| On or around XX/XX/XXXX, I opened a Southwest credit card that was through Chase. There is a {$140.00} annual fee and one of the perks is that each anniversary year, you are comped for 4 upgraded boardings. ********* My annual fee was charged on XX/XX/XXXX and on XX/XX/XXXX, an upgraded boarding was posted. There was another one ( for the return flight ) that posted on XX/XX/XXXX. While checking my statement, I noticed the XX/XX/XXXX one had been credited but not the XXXX one. I opened a secure message on XX/XX/XXXX to Chase and asked if someone could clarify why one didn't get credited. ********* When I received no communication by XXXX, I sent a follow up question asking about the status. What followed was a comedy of errors that was decidedly unfunny. ********* I received a phone call on XXXX from Chase stating that they needed more information to research my " dispute ''. When I called back, I explained to the rep that I wasn't aware there was a dispute that I was just asking for clarification. She asked for details about why I thought that the charge was supposed to be credited back and she stated I needed to send documentation to prove this claim. After trying to figure out what paperwork I had that Chase didn't already have ( this was THEIR card and THEIR perk ), I tried sending in screenshots of when my annual fee was charged, the date the flight took place, and that I still had ( and to this day still have ) 3 remaining boardings that could be used this year. ********* After much back and forth, I get a mailed letter that states " this is not something that can be resolved with a dispute ''. The end. No instructions as to who to contact, why they tried opening it as a dispute to begin with, nothing. ********* On XX/XX/XXXX I called the number on the mailing and asked what the next step was. The rep that I spoke to said they couldn't help because this was handled through XXXX and transferred me to the XXXX XXXX service line. The rep that answered that call was as confused as I was as to why I ended up there and said that I probably needed to talk to XXXX XXXX XXXX, and transferred me there. That rep confirmed what I had thought all along that this was a CHASE card with CHASE perks and CHASE was the one that needed to sort this out. She tried transferring me to a Chase line but it didn't work correctly so she just gave me the number to call. ********* Calling that number put me in touch with a rep who, upon listening to me tell the same story for the fourth time that day, was apparently very helpful and understanding. He looked into my account history, confirmed my opening date is in XXXX, confirmed that I had slots open for the boarding credits, and that it appeared to just be a slight glitch in the software. I work in the banking industry so this was not an unreasonable assumption. He stated that he was sending my case with the write-up to his marketing team because of my poor customer service experience and I would be getting a letter " shortly '' confirming the credit had been issued. I asked him for a confirmation number or something that could verify that this was going to happen and he said he didn't have that but his name was XXXX and that this was a recorded line so the logs could be pulled ( again, not unreasonable given my experience ). ********* Fast forward to XX/XX/XXXX when I receive a letter in the mail from Chase stating that the charge stands. Since I didn't get home before their support line closed for the night, I reached out to their help on XXXX who said that they couldn't help because the charge was before my upgraded boardings reset for the year. ********* I was very annoyed at this point because 1 ) I had someone already confirm that this should have been a credit and 2 ) IF that was the case, that this was before the reset date WHY didn't anyone say that when I asked the FIRST time? Why did I have to go through all the hoops of a dispute that wasn't a dispute? Why couldn't that have been stated by ANYONE I talked to at ANY of the times I called in? ********* When I saw that Chase was not accredited with the XXXX and the score they do have is very low, I posted on my XXXX page this morning ( XX/XX/XXXX ) and tagged @ chase. One of their team reached out and said send them a DM and they'd look into it ( same as the XXXX one ). Feeling like I had nothing to lose, I sent them a message. They came back and said they were reaching out to the marketing team and would reply with an update. They finally came back and said the " transactions do not qualify at this time ''. They didn't address the fact that there was ( or least 'should ' be ) a recording of an agent telling me the exact opposite. | ||||||
| 09/12/2022 | Yes |
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| I used my United Explorer Mileage Plus Chase credit card to reserve a hotel room in XX/XX/2022, in XXXX XXXX, North Carolina, through the United app on my phone. I received the confirmation code by email, which confirmed my one-room reservation. Upon checking-in at the hotel, I received the information that there were two rooms reserved under my name. I explained that I had reserved just one room and that was probably a duplicate charge and asked the second reservation to be cancelled, as I was not aware there was an additional reservation, since the email I received confirmed just one-room. The hotel staff ( front desk ) said I had to call the reservation line to ask for the cancellation. Upon entering the my hotel room, I called reservation who told me I had to call my credit card company since the reservation had been done through a third-party website. I called the credit card, who told me I had to call the hotel reservation line and this became an almost two hour ordeal with one party sending me to another and vice-versa. Upon returning from the one-night trip, I contacted Chase dispute line and explained that there were duplicate charges for the single hotel room I had reserved and that I had not been able to resolve it after contacting the different parties. I paid for the one reservation I had made ( {$210.00} ) and said I was disputing the second one as a duplicate. A dispute was opened and later on I received a letter from the credit card saying I was found responsible for both reservations since I did not follow the hotel cancellation policy. I appealed the resolution In XX/XX/2022 and explained that I was unaware there were two reservations, that had reserved just one room and that was exactly what was stated in the email confirmation I had received, just one-room ( which was accurate ), therefore the dispute ( and the resolution ) could not be centered at the whether I complied with the cancellation policy or not but rather based on the fact that I had been charged twice for a single purchase and I only found out about it upon arriving at the hotel. I decided to reapply and reopen the dispute and sent a letter by mail to the dispute/fraud resolution team at Chase and attached the email confirming my one-room hotel reservation. I called the dispute resolution team multiple times and was told ( at least twice ) that the original claim had been wrongfully processed by whoever did it and that they would open a new claim and it would be resolved soon. To my surprise, I received a final letter on XXXX XXXX, 2022, from Chase card stating that " based on the information that we have available, the results of our investigation remain the same '', therefore, I continued to be found liable for the double/erroneous charge. I called dispute/fraud resolution again and requested a copy of the documents reviewed during the investigation based on what the credit card considered that I had indeed reserved two rooms. After spending 45 minutes on the call, on XXXX XXXX, 2022, and speaking with the dispute supervisor who identified herself as " XXXX '', I was transferred to the customer service team, and then back again to the dispute/fraud team. At the end, all teams told me the only documentation I could/would receive was the XXXX XXXXletter with a one-line sentence stating their investigation had remained the same. Due to the lack of trust on the credit card company I have already cancelled such credit card and have no intentions to ever deal with Chase again in any capacity. However, I was told that I have to pay for the second room reservation ( in the amount of {$210.00} ) I had not done and that the credit card will report it to the credit agencies. It is not a matter of the amount per se but the fact that a credit card can erroneously charge a consumer for what was clear a mistake somewhere along the chain that none of parties took responsibility and can blatantly deny access to the documents of the investigation to a consumer who engaged in good faith with the service provider. I am 100 % certain that there is no confirmation, anywhere, that I had reserved two rooms. However, despite my detailed explanation in a letter, the proof of my one-room reservation, my multiple calls, my request to receive a copy of the documentation, at the end, I feel like I can't do anything to stop this erroneous charge and no one took responsibility for the error and I, as the consumer, have to pay for something I did not purchase/the reservation of an additional room I did not make. I am here writing this in hopes that lack of accountability such as this will not be tolerated and that consumers will not be the one paying the price at the end. | ||||||
| 10/29/2021 | Yes |
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| I am writing this correspondence regarding the grossly negligent mishandling of a disputed claim against a vendor by the investigation body at Chase bank. We purchased a misting machine for our outdoor patio from a company named XXXX. After much delay, we received a partial delivery of the product. We attempted to work with the company owner named XXXX XXXX to procure the missing parts necessary to install the unit. Mr. XXXX had promised to ship the missing pieces by XXXX XXXX XXXX XXXX. We never received the components, and we waited multiple weeks to see if he could make good on his promise. My wife re-contacted XXXX XXXX numerous times to obtain an update on the delivery of the missing items. XXXX XXXX provided one excuse after another as to why we had not received what we had paid for. We decided to return the merchandise to him. The mister cost XXXX ; we paid for the item using our XXXX XXXX Credit Card. My wife attempted to initiate a return merchandise authorization on XXXX 's website. The section where it prompts you to put in your information to do the return is nonfunctional. She then called Mr. XXXX directly to facilitate the return process. When she called to speak to him to discuss returning the product, he did not answer. She left him a voice message advising she wanted to return the product. XXXX never bothered to return her call. She followed up with him by repeatedly calling him to leave voice messages and emails. Still, Mr. XXXX never responded. It became apparent that XXXX had no intentions of providing a way for us to return the product. He just wanted us to go away. At this point, I got involved, repackaged the product, and took it to the postage store to send it back to him. I paid for the insurance as it is a high-value item and the cost to ship it. Mr. XXXX or his agent received the merchandise as they signed for it. I have already provided proof of that fact to Chase. My wife contacted Chase to file a complaint against the vendor. She explained in greater detail what had occurred to the Chase customer service rep taking the complaint. Chase reversed the charge pending further investigation into the matter. The agent. compiling the information, had advised the conversation was being recorded. On XXXX XX/XX/2021, I reviewed my credit statement online when I discovered Chase had rebilled me for the {$1900.00}. Upon making this discovery at about XXXXXXXX XXXX, we re-contacted Chase to understand why they had rebilled us. The agent advised a letter was mailed to us on XXXX XX/XX/2021 detailing their finding. Most importantly, we received the Chase investigatory letter of finding on XXXX XX/XX/2021. My point is Chase had already refunded the money back to Mr. XXXX. Without allowing us to present evidence in support of the complaint. Chase elected to reverse the charge from my perspective without promptly notifying us. We had evidence on hand to support our position. In fact, at no point during this investigation did Chase ask us for any documentation. Also, I like to note, during our conversation with the rep. My wife and I reiterated the complaint we had initially made when we first called-conversation recorded per the agent. On the other side of the token, a Chase rep. contacted the vendor, and he provided proof of delivery, but he said nothing about receiving the product back. To be clear, we never denied receiving the product from him. Per my conversation with a Customer Supervisor Rep. identified as XXXX XXXX, Chase sided with the vendor because we received the product. To be sure, that was never what we explained occurred. I believe the initial rep. did not accurately describe what we said happened. I request that the recorded conversation between the Chase rep. and my wife be reviewed as part of the investigation. I disagree that we told the Chase rep that we never received the product. I affirm that we received the product and returned it in a reasonable amount of time. As things stand now, Mr. XXXX has our money and the merchandise we returned. The individual ( s ) at Chase tasked with conducting this investigation failed to complete a thorough and impartial investigation. I also feel that someone at Chase does not want to be responsible for the mishandling of this investigation, so they want me to absorb their mistake. I was unable to speak to someone above a supervisor. I want this investigation to be re-opened, and the facts of our dispute investigated. Should you have any questions, please give me at XXXX or reach me by email at XXXX. I do not expect you to call me, but someone with real decision-making power would be of great importance to me. Respectfully XXXX XXXX | ||||||
| 10/23/2023 | Yes |
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| I have a Chase Premier Plus Checking account since XXXX. On XXXX, I noticed two ( 2 ) {$25.00} fees were charged to my account on XX/XX/XXXX and XX/XX/XXXX, respectively. I don't know what these charges are, so I contacted Chase online and according to their explanation, it's called the service fee when my balance falls below {$15000.00}. I was extremely surprised by their explanation. I started to review my past 20 months ' statements, there were three months in XXXX the balance fell below {$15000.00}, and I wasn't charged for such fee. They failed to explain why I wasn't charged in XXXX. I was finally refunded {$25.00} for XXXX, but they won't refund the {$25.00} in XXXX. They stated the refund can only happen once a year. Since I don't want to keep track of my account balance, so they suggest that I convert my current account ( which is called XXXX XXXX ) to a Total Checking account. ( See Attach. CFPB I ) According to them, the Total checking account also has a monthly fee of {$12.00}, but if I have direct deposits set up ( which I already had ) then the fee will be waived. They also suggested that I go to a branch to speed things up. The communication was on XX/XX/XXXX. ( See Attach. CFPB II ) I went to a Chase branch on XX/XX/XXXX, ( See Attach. CFPB III ) only to find out my account has already been converted to, not a Total Checking, but a " Secure banking '' account. ( See Attach. CFPB IV ). I was totally shocked. It must be magic that my account turned itself from one to another within 24 hours without me knowing it, or was it Chase that did the magic without my consent? The nightmare has just begun. We started the back-and-forth email communications since XX/XX/XXXX regarding the problem. They kept telling me their research team is working on it and will get back to me as soon as there's a solution. On XX/XX/XXXX, their research team sent me an email, claiming theyre trying to reach me. I called their number, only to find out my case ( XXXX XXXX. XXXX ) was closed. They told me the reason why they closed the case is because they are unable to fix the problem. It's that simple. That took them almost 14 days just to tell me so. They then opened a new case on XX/XX/XXXX because I was so upset on the phone. The new case number is XXXX, for the same reason. This time it only took them two days to get back to me. XXXX from their research team told me Chase is unable to fix the problem. He did not elaborate details about how the problem occurred. He did mention they have contacted the Tech Department to see if this can be fixed. He offered to reimburse the {$25.00} service fee from XXXX, XXXX. He also suggested that I open a new account and close the current account to avoid monthly fee ( yes, this Secure Banking account charges {$4.00} monthly and it's a flat fee ). I finally realized that Chase is not going to fix the issue, either they cant, or they dont want to. ( See Attach. CFPB V ) After the phone call, I decided to close the account. Before I can do so, I have to inform, change, switch, update every single financial account I have that was linked to this Chase account number. I have most of my accounts changed but for the direct deposit accounts with Social Security, I was informed NOT to close my current account until the direct deposit goes into the new account. It took them more than two months to process my request. As you can imagine, Chase started to charge me the {$4.00} monthly fee, before I can officially close the account. My refund request was denied twice, on XX/XX/XXXX and XX/XX/XXXX, respectively, for the same reason ( one refund per year ). They failed to realize this is not a courtesy refund request, its a reimbursement request. This Chase account was opened twenty years ago, along with a home loan account. All my financial stuff linked to it in the past twenty years, include but not limited to the direct deposits, savings bonds, retirement funds, stocks and else. One error from their end has caused me numerous headaches and endless hassles. Instead of fixing the problem, they continue to create more problem such as the service fees. I am angry and have completely lost trust with Chase. How does a problem like this happen in the largest bank in the United States? Computer doesnt make mistake itself, unless it was instructed by human who operates it, or a faulty software. I wonder which one is the culprit. Here are several things I want answers : 1. An explanation to how the problem happened. 2. Why is the problem not fixable? 3. Reimburse any monthly fee ( s ) charged, before I can close my account. 4. An official apology for all the inconveniences that have caused. | ||||||
| 07/21/2022 | Yes |
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| Chase Bank put a hold on my account for the second time after depositing my paycheck from the same employer who issued me the check. The latest hold was placed on my account XX/XX/XXXX, the same day I deposited the check. When I called Chase customer service, I was told the reason for this hold is because the amount of the check is " Significantly higher '' than historical deposits. The amount of this deposit they are claiming to be significantly higher is {$3600.00}. This check is compensation my employer, XXXX XXXX XXXX XXXX XXXXXXXX XXXX has compensated me for originating and closing my first loan as a licensed XXXX with the state of FL. The first time Chase put a hold on my account was for a check of {$1300.00} when I was an assistant with the same employer back in XXXX of XXXX. They told me the hold will remain in place until XX/XX/XXXX, and I will be able to access my funds then. I thought this was excessive and unreasonable, but I waited and on XX/XX/XXXX, I received notification the hold was lifted and my funds are available. When I went to the gas station to purchase gas, my card was declined. I went to the bank branch where I opened my account, and no one at the Chase bank branch XXXX XXXX XXXX, XXXX FL on XXXX XXXX XXXX ) understood how my account shows my funds are available but can't be accessed. The bank employees at the branch worked with me for several hours speaking with I believe they call the loss prevention department, and that department stated they put a restriction on my account pending the verification of the issuer of the check. After explaining the issuer of the check is the same issuer I have deposited with them before, they maintained it is still necessary to verify the issuer and confirmed the reason they are requiring this is due to the amount of the check being different from others. The phone number the loss prevention has on file to verify the issuer is XXXX. Neither my employer or I know of this number and this number is NOT associated with XXXX XXXX, XXXX XXXXXXXX. The loss prevention department has an incorrect number to verify anything from XXXXXXXX XXXX XXXX XXXXXXXX because the number they are associating XXXX is for a company called XXXX XXXX XXXX XXXX When I asked how it is possible to continue to restrict my account after the hold has been released, while maintaining that they need to verify the issuance of the check using an incorrect number for my employer, I was told there is a " XXXX Bank Team '' insisting there is no other option other than to ask my employer to initiate a chargeback so the check can be returned ; this is a concern because I may expose myself to future adverse actions. The only other alternative is to have a representative of XXXX XXXXXXXX come to the branch with 2 forms of ID along with documentation showing ownership of the bank account XXXX XXXXXXXX Paid me from. This is the same bank account Chase has honored from the same employer in the past! After leaving Chase bank, still without access to my funds, I called the loss prevention department back and told them if it is absolutely necessary for both my employer and myself being required to be at a Chase bank branch at the same time for them to release the restriction on my account, I will comply with what I stated feels highly irregular and unreasonable. That call took place XX/XX/XXXX around XXXX XXXX Eastern. about an hour later, I logged into my account and saw that all my funds had been withdrawn as DEBIT DDA- CHECK CHARGE. Shortly after I tried logging in again to begin documenting and checking for alerts, I was denied access to login. When I called Chase customer service, I was told my account was closed and my money is in a " Suspended Account '' with no way to get the funds released other than the following 3 options : 1 ) For me to initiate a charge back against my account by having my employer contact their bank to return the funds 2 ) Have my employer come into a Chase bank branch at the same time with me to verify ourselves with 2 forms ID, or 3 ) For them to continue to try to contact the number in their loss prevention system, which is an incorrect number and belongs to another organization. They will not tell me how they have a number associated with a company Neither I nor my employer has heard of in their system. It is now XX/XX/XXXX and I am not able to access money for food, gas or anything else. Chase has closed my account, so I can't even have someone XXXX me money to be able to purchase my blood clot medication. I advised Chase that I am trying to resolve this for XXXX weeks now, and I am highly concerned for my well being as well as my ability to perform at work. Please help! | ||||||
| 06/15/2018 | Yes |
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| I arrived to XXXX, XXXX on XX/XX/XXXX excited to spend a vacation with my family. I used my debit card at the airport ATM that day, which was the only time I used this card prior to the fraudulent transactions beginning. On Sunday, XX/XX/XXXX, I spent the day at the pool in XXXX and came home to a phone full of alerts that over {$5000.00} USD had been drained from my checking account in a variety of transactions occurring in the XXXX area in Florida. I immediately phoned Chase Bank to alert them of the fraud. The money was returned to my account and I assumed things would be fine. The following Tuesday, XX/XX/XXXX, I checked my account and realized the {$4900.00} USD Chase put in my account on Sunday to cover the fraudulent charges, was no longer there because they had reversed the transaction debiting my account. I immediately phoned them, and a representative told me that the cases were closed because I told them I didnt want them to pursue the claims. I immediately requested information regarding what conversation he could possibly be referencing, because I had made no such request and indeed this is fraud and this money needs to be returned to me. In fact, if someone had called them, pretending to be me, I had a larger problem identity theft rather than just debit card fraud. The representative fumbled, told me the cases had been closed, and that I couldnt receive money for the fraud until after the re-opened cases were investigated, which would take 60-90 days. And also that I needed to have some forms mailed to my address in XXXX XXXX, Florida, and to mail them back to Chase before they would investigate the fraud. Even though I was in XXXX, and would remain in XXXX for the next ten days. At this point I asked to be escalated. I was, and the woman that spoke with me did a few things : she filed an internal complaint because the analyst that closed my cases should not have ; she had the mailing paperwork requirement waivered and emailed me the documents instead ; and had the tranches of funding split in two. One case totaling {$980.00}, which was the amount that was directly withdrawn from a Chase ATM located in Florida, and one case worth {$4000.00}, which was the total amount spent at various vendors ( XXXX, XXXX, XXXX ). I sent in substantial documentation proving my then-current physical location in XXXX, not the US, and again, expected things to be fine. Things are not fine. I just received a letter from Chase stating that the {$980.00} case has been closed, they do not believe it is fraud, and they are again, taking the money back out of my account. I have requested they re-open the case, but I do not have any written indication they are doing so, nor have they provided the research information that was used to close this case. They are also asserting that they will not return my {$980.00} until the case is re-evaluated, which will take 3-5 business days before they decide if they will reopen it- or not. I am concerned about the honorable resolution of this case, and the status of the second case worth {$4000.00}. Here are some points of interest that would be very clear if anyone had investigated this claim properly : I made legitimate transactions on my Chase Travel Credit Card in XXXX on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I provided my XXXX information to them that clearly covers XX/XX/XXXX I provided my Delta flight information to them that quite obviously has me arriving in XXXX on XX/XX/XXXX and leaving on XX/XX/XXXX Multiple people can attest to my physical location in XXXX from XX/XX/XXXX. Including the US government, which I assume keeps records of when US citizens enter and exit the country. To get to XXXX, I routed through XXXX on both my exit and return flights. I have had this checking account for about 15 years and have never reported fraudulent activity I have had this checking account for about 15 years and have never withdrawn more than {$500.00} in a day I have had this checking account for about 15 years and have never spent more than $ 3k a day, and even then only 4 times when I had to pay semester-long bills for my housing in grad school. I don't use this card, and when I do it is cheap. I very infrequently use this card at all, and when I do, its typically an ATM so that I can withdraw cash I dont believe Chase Bank has any intention of returning this funding to me, and I believe these are intentionally malicious business practices. To make matters worse, I am in the midst of intense business travel to XXXX and dont know how I can fight this fight, which I am losing, to this giant company that seems doggedly intent on stealing my money. Please help. | ||||||
| 01/08/2023 | Yes |
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| I am filing my claim against Chase Bank, as Chase refuses to release my apartments security deposit refund to my banking account regardless how many evidences I have provided to prove that I am the authorized payee who should receive the money. The security deposit refund check was issued by my apartment XXXX XXXX XXXX XXXX XXXX XXXX with a total amount of {$3700.00}. The check was issued to both me and my roommate. However, since my roommate had to return to his home country before we received the check, he authorized me to deposit the check to my bank account with written notice. Neither of us would expect, it triggered endless and contradicting processes required by Chase bank. Chase cleared the check and put a hold on the money after I deposited it via Chase mobile app on XX/XX/XXXX. They closed my checking account as I put only my name on the back of the two-party check, and their system suspected it is a fraud. After I received the notification, I immediately went to the Chase branch and explained the reason. I was told that no information will be needed from me, I just need to reopen a new account to receive the check. However, after I followed their instructions, few days later, I was told that Chase will not be able to release the money unless chase deposit team can talk with my roommate via phone call even though he has returned to his home country. After I provided my roommate home countrys phone number to Chase on XX/XX/XXXX, they said they were not able to reach him ( which another Chase agent told me the truth later that they can only call a US phone number ). Then they started to ask my roommates proof of ID, my roommate provided his passport and let Chase know that he authorized me to receive the security deposit given the fact that he will not return to US in the near future. Chase still declined the request, and said the only option left is to have maker of the check to recall the check and make a new one with only my name on it. I had tried really hard to beg my old apartment manager to remake a new check for me, I got told by the apartment manager that there is nothing they can do as Chase has cleared the check on XX/XX/XXXX. When I call Chase again and told them that the check issuer cant recall the money, I got instructed with another approach, providing power of attorney to prove my roommates authorization. On XX/XX/XXXX, I submitted the power of attorney, and I got a reply on XX/XX/XXXX that I could receive {$3700.00} within XXXX to XXXX days. I thought my nightmare has finally comes to the end. But by XX/XX/XXXX, I still havent received the money, I called Chase customer service again. This time they told me that the issuer needs to confirm that the money is for me and my roommate, they still require a registered phone number for check issuer, as they need to verify if the phone number matches with their record, and verify if the check is meant to write to us. Chase completely discards the fact that the check clearly states my name and address on it, and told me even I provided power of attorney, a new problem has arisen. I felt hopeless in this forever loop, just because Chase cant admit that their system mistakenly recognized my valid check deposit request as fraud and refused to release my fund. Chase keeps asking me to providing proofs, even though I did everything they asked me to, there is always a new question for me to solve. Every time I call Chase customer service, they give me a new instruction and many of them conflicted with the one given by previous agents. It has been almost 2 months, I still havent received my money, even though I have visited Chase Branch many times, called Chase deposit team countless time. Because of contradicting instructions provided by Chase, my apartments leasing office refused to help me anymore, as from their perspective, the check has been cashed. I dont know how I can get their registered phone number, and if Chase has the phone number on their system, why dont they just call and verify. I got no response from my apartment when I asked for the registered phone number. I am just a full-time student, who really needs the money to keep my life going. This issue has cost tremendous amount of trouble to my normal life and wasted a ton of my time during my final, with no positive outcome. I dont understand why Chase would cause such trouble to a customer with good credibility and ignored all the evidence and lawful document presented to them. Could you please help me to get my money back, it is really not a small amount of money to me, I need it to pay for my living expenses. Thanks a ton in advance for your help and time. I greatly appreciate it. | ||||||
| 02/08/2021 | Yes |
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| this is a combination of various problems ; had applied for modification to lower interest rate, Filed Bankruptcy Chapter XXXX and discharged XXXX, also filed BK-XXXX and Court paid & released XXXX foreclosure process was not processed or closed correctly. I was never notify of sale until after the fact which was XXXX my home was declared uninhabitable federal disaster on XXXX, I had flood insurance which funds were issued to JP Morgan Chase and myself for total of {$42000.00} which Chase informed me that was put into a restricted escrow account on XXXX until I could get final from XXXX adjustment for lifting house. I did follow instructions removed flooring, wall, fixtures etc. I did not start improvements as waiting for final adjustment as home. I was rescued on XXXX with only my medication a pair of underwear and my pets. I was placed in hospital ER as XXXX XXXX as well as XXXX and XXXX XXXX. Still waiting for response from Chase regarding modification. My home was never abandon. I can provide emails from Chase, myself, Bkruptcy attorneys and now my attorney XXXX XXXX between XXXX flood insurance attorney to increase flood insurance to raise home. on XXXX XXXX attorneys, my attorney called Chase so can go into home and do a follow-up to increase funds. Still at this time Chase never informed of sale or foreclosure. sent to foreclose property address. etc. Chase was always informed of my current address and my phone never changed, neither did my employment. On XXXX sent in my new application per Chase instructions looking for now modification, deed of lieu. Received on XXXX call from XXXX saying I did not qualify, home has foreclosed. My first question was how were funds disbursed? Second questions where are my personal items in back storage?? most from XXXX XXXX XXXX, XXXX American pottery etc.?? She advised that you will be getting a 1099a showing the disbursement. I did received but it was for {$72000.00}??? what happened to the {$42000.00}, why was I never notify of sale and where was my personal belongings in back shed with Native American pottery, beads clothing, electric items etc.??? I called Chase Foreclosure on XXXX # XXXX, XXXX XXXX spoke to XXXX ; she stated that I will be getting a Misc or 1099B for year XXXX. The escrow funds of {$42000.00} were applied on XX/XX/XXXX to my loan supposedly with Chase. House foreclosure XX/XX/XXXX, settlement statement received XXXX for buyer XX/XX/XXXX my loan closed permanently XX/XX/XXXX. I received from Chase the same1099a for {$72000.00}, will not change. My questions are where are the escrow funds? and if applied to balance why isn't stated on the 1099a or b??? Why did not Chase call to tell me to get my personal property??? and Now I have a agreement of increase funds for insurance. Check made out to JP Morgan Chase and me and my attorney. JP Morgan attorney XXXX XXXX of Foreclosure dept. informed my attorney at Pandit law that Chase did not want funds as no longer has home, he needs to get a letter of satisfaction signed so can have funds release to me and my attorney this was on XXXX. Now on XXXX Mr. XXXX ( JP Morgan Chase ) is saying USDA wants their money??? I and XXXX have never paid USDA where is this coming from. On XX/XX/XXXX received from Pandit law ( my attorney ) rec 'd an email from XXXX XXXX on XX/XX/XXXX and he said, " back in XXXX he heard from the USDA saying that they usually dont let the borrower walk away with money in these situations but recognizing that this is money that only came because of the actions of the borrower and agreeing to take a closer look at it. '' I know this is long, but there are so many irregular items in this whole process. Questions can USDA get these funds?? never have been paid by me or XXXX insurance any funds for this house. Where is my Escrow funds for my house?? never received settlement statement etc. as 1099 a shows full loan amount and not decreased by the {$42000.00}??? I need to know as this whole process has been going on for years and now the home is not even JP Morgan Chase or mine. Also I need closure as in XXXX started repaying the first time homebuyer {$6900.00} credit claimed from XXXX I have repaid {$460.00} every year since XXXX. Do I still need to claim even though home was declared uninhabitable in XXXX? I did in fact pay including up to XXXX. Thank you for your time and assistance. I hope you can get some answers as I have not been able to for the past years plus. JP Morgan Chase response regarding restricted escrow it does not have bearing on balance of foreclosure, when in their response to me in writing the funds would go towards my balance outstanding which 1099a does not reflect. | ||||||
| 10/03/2022 | Yes |
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| My father passed away My father, passed away on XX/XX/2022. He shared a Chase account with my mother, who is XXXX XXXX XXXX. On Saturday, XX/XX/2022, my mother and I went to the branch to have me added as a beneficiary to their account. My mother asked me to be her beneficiary as I work for another financial institution. The teller told us we needed to bring in a death certificate. At that time we did not yet have a death certificate. On Saturday, XX/XX/XXXX, my mom and I returned to the branch and sat down with a banker ; I do not have her name however I remember it was uncommon. We sat there for XXXX min while the banker attempted to add me to the account. The system kept rejecting the information stating that we needed to have my father present in order to add me. Even though we provided the banker with a death certificate, she still could not add me as a beneficiary and could not get the system to update. She attempted to call the help desk but since it was a Saturday they were unable to assist. She tried to call her manager who did not answer. My mother was getting agitated with the process, particularly after being told repeatedly that my deceased father would need to be present to make the change. After many unsuccessful attempts of the banker trying to update the system, I decided enough was enough, and that we would just come back when a manager was there to assist us in getting this matter resolved. We made an appointment to go back Friday, XX/XX/XXXX at XXXXXXXX XXXX On Monday, XX/XX/XXXX, my mom received a call from the branch that she needed to go to Social Security and have social security redirect my dads funds to my mom. This had already been handled and we have the letters from Social Security to take in to our XX/XX/XXXX appointment. On Tuesday, XX/XX/XXXX, my mother received a call from XXXX police department claiming they were contacted by Chase Bank to report fraud on a elderly person and asked my mom if she was giving me consent to be her beneficiary or if I was forcing her to put me on the accounts. My mother lives with my sister, XXXX, and this call really shook up my mother so she handed the phone to my sister who proceeded to verify that yes, my mom was adding to me to the account and there is no fraud intended. I am concerned that the police involvement in this matter are both biased and baseless give the XXXX interactions I had with Chase while assisting my mom. I proceeded to call your XXXX XXXX today, XXXX XXXX, today ( XX/XX/XXXX ) to discuss the suggestions of fraud and the police involvement. I asked why the branch proceeded straight to the police department versus calling my mom and asking her directly about my involvement with her accounts. I asked what grounds she felt I was defrauding my elderly mother, who just lost her husband and my father. She told me when they feel there is fraud involved they go straight to the police. She refused to answer why she thought I was defrauding my mother and refused to discuss how she planned to resolve the matter. I am disturbed that someone from your company, without any facts, contacted the police to claim I was committing fraud against my mother. My mother has XXXX assets and survives off social security. I frequently provide her with additional financial assistance. I was selected as her beneficiary because I have the most experience working with banks give my career with a competitor bank. My mom has around {$200.00} in her account ; what reason would I possibly have to take advantage of my elderly mother? I would be absolutely appalled if this is how customers at my bank were treated in such a sensitive situation. This is unacceptable. I am angry that the suggestion that my father needed to be present to make changes to the account was even spoken aloud, let alone multiple times- as though we faked the death certificate. I would love to have him here too, XXXX XXXX. I would be thrilled to have my father be able to answer any questions your branch had for him so I could spend more time with him. I feel I am being racially profiled with the speed with which the police were called suggesting I was defrauding my mother. Not a great diversity look during XXXX XXXX XXXX. There is no repetitive concerning behavior here. I'm just a daughter trying to assist her mom after a rough and unexpected loss, trying to make future plans easier in case the unforseen happens and I lose her too. How dare your branch personnel and regional manager suggest otherwise. I would like an apology and training for your staff at the XXXX branch and elsewhwre within Chase to ensure that this is does not happen again to the any other customers. | ||||||
| 12/28/2021 | Yes |
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| On XX/XX/2021 shortly after midnight PST I attempted to make an online purchase with my perfectly valid Chase debit card, which I use all the time, and Chase bank declined the transaction. I attempted the transaction 3 times, all 3 attempts were made with 100 % valid card information. According to merchants website, Chase declined the transaction all 3 times, on the first attempt falsely stating security code was incorrect. This was time sensitive, limited international business opportunity the merchant had a sale on the item price and bulk purchases, had limited stock and this was brand new product to market, making its distribution time sensitive matter. Despite the fact, Chase bank declined the transaction to the merchant all 3 times, it actually still wrongfully debited my account and took the money twice from me on 2nd and 3rd purchase attempts. I immediately contacted Chase customer support, and while they put the credit back in my account for the 2 wrongful account debits, they failed to do anything about the card being blocked. I was told only Chase fraud department can unblock the card, and I was told they are unavailable right now, and I need to call them another day, during their business hours. Waiting until anothe r day in my circumstances was not an option. By illegally blocking me from accessing my own funds for no reason, and failing to have on-call support, which could resolve the issue in timely manner, Chase bank cost me a rare business opportunity and cost me money. This is also not the first time Chase had done this to me, the only difference is on previous occasions it was a matter of causing inconvenience by denying access to my own funds, but did not necessarily cause monetary losses or business opportunities. I was also informed by Chase customer service reps, who failed to unblock the card, Chase was supposed to send me a text message and an email, to confirm or deny the validity of the transaction Chase failed to send me any texts or emails as well, for all 3 attempts. Chase bank has deeply flawed fraud prevention system, which frequently false-flags as fraud and stops valid transactions, and despite that fact it fails to have 24/7 on-call support with access to remove these invalid card blocks for its customers. This results in customers being blocked from accessing their own money for extended period of time, such as 3-4 days in some cases, if the blocking incident occurs on Friday night or right before holidays, when their fraud department is closed. This is illegal, criminally negligent and in many life situations, like the one Im describing, where I lost money and business opportunity, can cause serious problems to a person/family, blocked from accessing their funds. Few examples : if Im away from home, this is the only card on me, and I need to buy food I would go hungry. If I need to buy a ticket to get home Id be stranded away from home potentially for days with no place to stay. If Im trying to check out of a hotel and pay my bill I wont be able to do so for days, and would probably get arrested, until Chase fraud departments business hours start and they unblock the card. For this incident, I demand Chase bank compensates me for loss of money and business opportunity and unblocks the card ( it is still blocked from purchases from that merchant ). I DONT WANT TO HEAR NO apologies for the inconvenience this is NOT inconvenience, these are real monetary damages caused by Chase banks criminally negligent business practice, and an apology will NOT suffice. I also DONT WANT TO HEAR from Chase any explanations how this fraud prevention system is for customers protection nobody is arguing about a need to have fraud prevention in place, but since it is a hard fact their system is deeply flawed, and detects a lot of false positives having people stranded without their money for several days or many hours is illegal, criminally negligent, causes real damages and completely unacceptable. I demand Chase bank changes their business practices by having representatives on call 24/7, who have access to remove these invalid/illegal credit/debit card blocks within minutes, not days from the moment they occur. If Chase fails to comply with these demands I will consider pursuing legal action against Chase for the damages it cost me this time. And if Chase fails to make any changes, and this continues to happen again in the future I will definitely explore all avenues to file a legal complaint against Chase for this criminally negligent, unlawful business conduct that is causing real damage, and will almost certainly withdraw all my funds, close all Chase accounts and leave the bank for good. | ||||||
| 09/20/2022 | Yes |
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| On XX/XX/XXXX I spoke to XXXX XXXX regarding possible refinance of both my home in NY and Florida. I also asked about a cash-out refinance. We spoke the next day about refinancing the home Florida for a cash-out as I needed to pay for my daughters college tuition and do some renovations on the property. On XX/XX/XXXX we spoke and she explained the chase Home XXXX portal where we would begin uploading documents to do the refinance and cash-out on the property in Florida. We began the process of sending documentation around XX/XX/XXXX. Around the end of XXXX/beginning of XXXX I was contacted by a XXXX XXXX that she would be taking up my refinancing as XXXX was no longer with Chase. I explained to her that I would be away midXXXX and then again XX/XX/XXXX XXXX and since I had begun the process to refinance and take cash out I needed it completed by XXXX as my daughters tuition was due. I was reassured that things would get done in a timely manner. As evident in email XXXX XXXX I keep asking about closing as I had started this process end of XXXX and beginning of XXXX. It was referenced that the person who I started with, XXXX was no longer with Chase as it had not worked out with her. I always referenced the need for cash at closing and was never told that this was just a refinance not a refinance with cash out. As I am not familiar with this as we have never done one prior, I assumed this was a new loan apart from the existing loan. Throughout the whole time I was told they would accommodate me and that the closing would be on XX/XX/XXXX. When we ended up having the closing, only a notary came with documents. No Chase representative was there to confirm this was a cash out refinance as I had been communicating through calls and emails to multiple Chase employees. All questions asked, I was told to contact my bank because she just represented the title company and had no answers. During the closing, I also ask called and emailed XXXX a question but no one was available. The following week, I contacted XXXX from the Sales Team via phone but she did not answer. On XX/XX/XXXX I begin receiving encrypted messages from a XXXX XXXX, someone I never dealt with. There were apparently issues with the XXXX not being properly signed. At no time directly after the closing was anyone in contact with me regarding the actual closing and my questions or expectations. I kept waiting on receiving the cash out deposited. On XX/XX/XXXX I contact XXXX to ask when my funding will be deposited. She states it was. I stated no, I expected the amount I closed on deposited. This is the XXXX day directly after the Monday closing when I am finally answered. When we realize that there has been a mistake in the type of loan I am told too late as I had 3 days to nullify it. Although I contacted the company within the three day period and would have nullified it if I got a response, no one answered. This gets escalated to a XXXX XXXX, Operations Team Manager who basically references that I should know what I was signing. When I stated no one was there to be specific about the loan and expected cash out, he said I should have known by the name of the loan what type of loan I was signing. I explained to him why they would think I would refinance a loan to pay almost {$200.00} more and for a .5 % difference? Why would I be asking when my money would be deposited because I needed to pay college tuition? Why would I do all that for a bigger payment and less than {$2000.00}? That didnt make sense. I then requested that they please send me all of my recordings as all conversations were recorded and was told that it was their property and they did not have to give it to me. I asked why they waited 4 days to outreach if I could have terminated the loan term due to their mistake in the first 3 days ( none of which was told to me during closing ). I feel as though I was fleeced out of my money by Chase Bank, a company I have been using for over 20 years. After I asked that they offer me a refinancing the way it was intended to be since my first interaction with XXXX XXXX, the blame was placed on me as the consumer for executing a loan that was the opposite of what I wanted. Several Chase employees should have clarified with me what kind of loan if they were unsure about, or at least communicate with me clearly to avoid any misunderstanding- especially one this big. Since the first specialist was no longer with the company, Chase should have established a new introductory meeting from the start so that the next person would understand the loan they were processing. I lost {$11000.00} total in closing costs, and end up owing more on my mortgage now. | ||||||
| 07/14/2023 | Yes |
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| Between XX/XX/XXXX- XX/XX/, someone fraudulently withdrew {$1200.00} from my Chase checking account using non-Chase ATMs in XXXX, XXXX ( in the same time period, I legitimately withdrew a total of {$160.00} from ATMs myself, just to be clear ; this amount is not included in the {$1200.00} of fraudulent withdrawals ). I submitted a claim for {$460.00}, since they said they would only consider reimbursement for a XXXX window of the fraudulent withdrawals, and they ended up denying all of that amount anyways. I was warned about a convenience store here in XXXX that uses fake debit card readers at the checkout/register. When a customer inserts their debit card, the transaction will fail, but the fake debit card reading machine will steal/duplicate the information a customer enters into the fake machine, including the chip identifier, card number, pin number, etc. This apparently allows the owner of the fake debit card reader to create a " clone '' instance of your debit card, which they can proceed to use at ATMs as much as they want. The ATM reads the cloned card, and interprets the transaction as being made with the original legitimate debit card, even though it is an illegally duplicated copy of the original/actual debit card. I filed the claim with Chase, who promptly denied it, and said the reason was because " ATM transactions can only be made with legitimate debit cards '' - as if it is impossible for someone to clone a debit card, which is simply false. I know this is fraud because I know I never withdraw more than {$100.00} at a time from ATMs, nor did I use ATMs myself more than 4 times over the same time period. There was also another fraudulent ATM withdrawal yesterday for {$170.00} ( I left my apartment at XXXX for work, returned at XXXX, had my debit card in my pocket the entire time, and I didn't touch an ATM whatsoever ). I called Chase 's fraud department many more times ( for a total of 3+ hours and at least 6 different phone calls, all of which are recorded ). They informed me that the burden of proof is on me, not them, and that I needed to prove I physically had the card in a different state when the ATM withdrawals were made, otherwise they won't even consider taking another look at the claim. It is my understanding that this is illegal on their part - as far as I can tell, the burden of proof is legally not on the consumer in banking situations like this, but is on the banks. When I explained this to the representatives on the phone calls ( which, again, are recorded ), they refused to elaborate on why they practice this policy, stating that they don't want to be on record verbalizing what their policies imply. Now I fear they will not reopen my claim, and told me I need to send evidence ( receipts from other states, plane tickets / boarding passes, paper copies of transactions, etc. ) proving that I was out of state when transactions took place via fax machine to them, and hopefully wait for them to decide to reopen the claim. I don't have access to a fax machine ( as I'd imagine most people don't ), so JP Morgan Chase is not only illegally placing the burden of proof on their customers, but they also make it unreasonably difficult for their customers to receive reimbursement of fraudulent ATM charges, even if they have all necessary evidence. ATMs generally have cameras. Chase refuses to use the camera footage as evidence, even though this footage will clearly show the face of anyone who uses the ATM. Apparently, the reason they won't use camera footage is that a person could've given someone else their debit card and pin number, and had someone else withdraw money on their behalf. What this means is that Chase implicitly accuses their own customers of committing fraud every single time a customer reports an ATM withdrawal as fraudulent. I believe this practice by Chase is blatantly illegal, but even if there's a legal loophole in their obligations to their customers, it is certainly deceptive and exploitative, at best. Based on this chain of events, a bank as massive as XXXX should be investigated for illegally handling all ATM fraud cases, with the exception of those where a debit card was physically lost ( as someone could have legitimately found the original card & used it fraudulently, which is a very different situation than this one ). I highly doubt I am the first person this has happened to, and based on the number of clients they have, I am confident they are well-aware of how their policies come to fruition. I'm sure it ends up saving them hundreds of thousands, if not millions, of dollars every year by refusing to help their customers recoup what was stolen from them. | ||||||
| 07/08/2022 | Yes |
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| My husband and I filed an insurance claim with our insurance company due to a water leak in our home. After a few months of going through the process we were issued two checks. One was for {$840.00} and it was made out to my husband and me. The second check was for {$2500.00} and was made out to my husband, the restoration company doing the repairs and me. I signed the checks and did a mobile deposit into my Chase account on XX/XX/2022. I received two emails stating they received my deposits and that the funds would be available on XX/XX/2022. On XX/XX/XXXX, I attempted to transfer the funds but I received an error. I was out of the country at the time so when I returned on XX/XX/XXXX I called Chase. After being rerouted to several people I found myself speaking to someone in the fraud department. My account had been flagged because of the missing endorsements on the checks from my husband and the restoration company. I was told I needed to provide verification for my insurance company, the restoration company and my husband. I provided the contact numbers for the insurance company and the restoration company, but was told the numbers were no good. I provided 5 phone numbers and was told none of the numbers could be verified. It was XXXX XXXX weekend so I was going to have to wait until Tuesday to try and get someone at the corporate level to get correct numbers. I called the fraud department back on XX/XX/XXXX and provided them numbers that I received from the local office of the restoration company for their headquarters in XXXX. Again, the numbers could not be verified. They confirmed they do not actually call the numbers but run them in a system and if any other business shows with that number it can not be used for verification. The XXXX company operates under a DBA and even though their name came up, so did the parent company. At that point I was told they needed my husband the restoration company to physically come into a branch for verification. I explained that having a company based in Illinois come into a branch with me would be nearly impossible. It was on that same call I found out my account was set to close on XX/XX/XXXX because of this. At no point had I received an email or letter in the mail that there was an issue with my deposits or my account. The manager I spoke with said she could issue an extension on the account closure to allow us time to go into a branch. On XX/XX/XXXX, we went into a branch and the banker was prepared to do the verification but we were told they still needed the restoration company present so the verification was not done. My account was also closed that same day even after I was told it would not be. I contacted Chase Executive Office on XX/XX/2022 looking for some additional help to resolve this matter. I was given a case number and an agent to work with. In the time working with her, I was working to see if I could find anyone with the restoration company would could meet us at the bank. I also emailed in a copy of my husband 's driver 's license and passport for verification on XX/XX/2022. To this day his verification is still not complete even after providing this information. The XXXX company finally agreed to have my project manager meet us at the bank for the verification. On XX/XX/2022 at XXXX we all met at a local Chase branch. The banker got on the phone and was told that a check had been mailed to us on XX/XX/2022 and that there was no need for verification. We left under the assumption the check would arrive by XX/XX/XXXX at the latest. A week after that date we found out a check had not been mailed and that verification was still needed to release the funds. The XXXX company does not have the capacity to send someone else and without them in person we will lose the funds. I explained to Chase that we attempted to meet their requirements but it was their banker who gave us misinformation. On XX/XX/XXXX I asked for something in writing from Chase so I could provide it to my insurance company who could provide it to their bank as proof the funds were never released to us and that the account is closed. I was told to go into a local branch to get this letter only to be told when I got there that they could not do this. The other bank has tried to recall the funds but because Chase cashed the checks they have no way to do so. The restoration company is more than willing to provide affidavits and statements showing we have paid for all the work and have a XXXX balance with them but Chase will only accept them coming into the branch for verification. We aren't sure what to do at this point since we have exhausted all the options we've been given. | ||||||
| 10/21/2022 | Yes |
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| I am using this platform to make sure there is an accurate record, that Chase Bank is able to make a credit decision based on accurate information and provide insight to a huge criminal scheme 95 % of all financial institutions are involved in against XXXX XXXX Americans. On XX/XX/XXXX I applied for a Chase Freedom card and was denied due to XXXX knowingly and willingly providing Chase with inaccurate information. Recent charge offs One account is over the limit Recent negative activity XXXX contacted a Chase representative because I assumed they would want to make intelligent decisions based on accurate information. I explained that the information they received from XXXX is NOT accurate. I asked for them to pull another credit report, but claimed they can not, which was strange because I know they can. Maybe the Representative was not properly informed. I addressed all the inaccurate information and offered to provide concrete proof to back it up as follows : The one card that XXXX inaccurately claimed is over the limit ( XXXX account with a {$2500.00} limit shows a balance of {$2500.00} ) XXXX has deliberately refused to update and the last update they show is XX/XX/XXXX. Whereas XXXX and XXXX updated on XX/XX/XXXX with a balance of {$250.00}. I am attaching the XX/XX/XXXX XXXX XXXX which confirms a balance of {$250.00} NOT {$2500.00}. I am also attaching my XXXX report for the XXXX account which also shows a {$250.00} balance. As for the recent charge offs. These were from XXXX loans I received from XXXX thru XXXX and are all over 7 years which means should no longer be on my credit report. I am providing proof of the original loans and my CFPB complaint against the Dept of Education. The other charge is from XXXX XXXX which is both over 7 years ago and they issued me a XXXX in XXXX no longer have a legal right to collect. ( I have attached a letter were XXXX XXXX admits to issuing me a 1099_C ) As for my credit score being low ; The credit information which weighs most of any person 's credit score are : Length of credit history : mine is over 5 years = Very good Credit used compared to credit available : Mine is under 15 % = Excellent Recent Negative remarks : I have zero for 7 yrs Negative remarks which are 6 years or old take in about 5 % of a credit score, meaning has very little impact. XXXX shows it around 570, this is despite having no negative credit information for nearly 7 years. Despite having used only 15 % of my available credit. Despite having no rent or Mortgage payment, no auto payment ( everything is paid off ) Despite my monthly bills being less than 20 % of my monthly salary. How is this possible : I will explain : Financial institutions have learned how to manipulate the FICO algorithms. When a creditor continues to report an old charge Off the FICO algorithm reads that as a recent Charge Off. Here is an example and we will use my Credit Report. XXXX XXXX shows I had a Charge Off in XX/XX/XXXX. However each month they have been re reporting this Charge off. Same with the Student Loans. Although there has been no activity since XXXX, they continue to report each loan every single month. They have also re-aged the loans by having a separate department take them over in XXXX. By doing so this department reports the loans as an original charge off for XXXX, not XXXX. Everyone in the financial industry is well aware of this but plays the ignorance card. WHY? You must ask the right question. Who gains when consumers ' credit scores are lower. ANSWER : All financial institutions because they can now charge much higher rates. There are other changes the Financial industry has done for the sole purpose of lowering credit scores. Here is one of those recent policies. Back around XXXX when opening a checking account all banks would pull your XXXX systems report : This report would let the banks know if a consumer has written many bad checks which are still unpaid. However, a memo went around to all financial institutions that by pulling consumers ' credit reports whenever a consumer opens a checking account would lower XXXX of millions of credit scores by XXXX - XXXX pts. Doesnt seem like much but that would allow financial institutions to charge 1,2,3 % higher on interest. Think of that, why would a bank need to pull a consumer 's credit score if the consumer is Depositing money into the bank. COMMON SENSE PEOPLE! With all this said, I decided to do business with Chase because they are one of the very few who do NOT re-report old charge-offs. Further, I believe their XXXX XXXX XXXX is one of the best CEOs on the planet. I Actually hope he considers running for President in XXXX. | ||||||
| 10/18/2017 | Yes |
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| XXXX XXXX - Did not receive my usual, annual XXXX XXXX XXXX XXXX companion travel certificate that XXXX sends me every year. I pay {$140.00} per year for this, in the form of my annual credit card fee. XXXX XXXX - XXXX charged the usual {$140.00} annual credit card fee, which, again, is supposed to include the XXXX XXXX Mileage Plus companion travel certificate XXXX XXXX - I received a letter from XXXX card member service, they wanted me to contact them with a stateside address so they could mail my annual XXXX XXXX Mileage Plus companion travel certificate to me. At the time I did not have, and still do not have, a stateside address, as I am XXXX overseas. XXXX XXXX - I called XXXX card member service to see if my current address would work, so they could mail me my companion travel certificate. It is an overseas US address, but still a US address. They accepted my address and when I asked how long I should expect to receive the companion travel certificate they told me to contact them again if I had not received it by the end of XXXX. XXXX XXXX - Received a letter from XXXX stating they were going to send me XXXX XXXX passes. I did not know why they were doing this, since I was waiting on a companion travel certificate, but assumed they were sending the XXXX XXXX passes as a courtesy for all the hassle they were putting me through. Since then I have surmised that they must have mixed up the XXXX, the companion travel certificate and the club passes. XXXX XXXX - I called XXXX card member service again, since I had not yet received the companion travel certificate. XXXX told me to call XXXX XXXX XXXX. I do n't know why they told me that, but they did. I called XXXX XXXX XXXX but of course they have nothing to do with it, the companion travel certificate is supposed to come from XXXX. Called XXXX again and they said they would send the certificate. XXXX XXXX? ) XXXX - Date uncertain, but received XXXX XXXX / XXXX XXXX passes. XXXX XXXX - Called XXXX again, XXXX XXXX XXXX told me to to expect a follow up email or a phone call in about XXXX days regarding my still-not-received companion travel certificate for XXXX. I told XXXX that I just wanted my {$140.00} back, since I was having so much trouble getting the companion travel pass. I never received the email nor phone call. XXXX XXXX - Received a letter from XXXX XXXX XXXX of XXXX stating that they were sending me my companion travel certificate. XXXX XXXX - Waited to receive companion travel certificate for XXXX but never did. Meanwhile, XXXX charged me another {$140.00} for my credit card renewal fee and ( supposedly ) *another* companion travel certificate ( for XXXX now XXXX. XXXX XXXX - Called XXXX again and spoke to several representatives, none of whom could help me. I told them that I now wanted my {$280.00} back XXXX {$140.00} for XXXX and {$140.00} for XXXX ). The refused to help me and told me my only option was to write a letter to their XXXX XXXX in Ohio. XXXX This call occurred on XXXX XXXX, XXXX even though my handwritten note, attached, is written XXXX XXXX XXXX. I am beyond frustrated with this, especially since it has totally screwed up my travel plans for this past summer and for this coming XXXX, when I was hoping to use the companion travel certificates. Last summer I had to cancel a trip back to the US, when I had planned to use XXXX certificate with my spouse. I wanted to use the other certificate this XXXX with my sister but it seems pretty certain that wo n't happen either, especially since I am departing my current overseas location/mailing address on XXXX XXXX to go back to the XXXX. Even if XXXX were to mail either or both of the companion certificates to me very quickly I will not be present to receive them, as I will likely already be on my way to or in the US. As if that were n't enough, I was XXXX to read XXXX 's XXXX 's comments on their corporate website : " What we can and will promise is to be truthful and give honest assessments of our businesses and prospects ; act with integrity and honor ; and do the right thingnot necessarily the easy or expedient thing. We will work with fierce resolve to make this a company of which our customers, employees, shareholders and communities can be proud '' as well as about their " Exceptional Client Service, '' " Operational Excellence, '' and " A Commitment to Integrity, Fairness, and Responsibility. Just lip service. Words are cheap, especially when they do n't have to back them up. See : XXXX : XXXX As much as I would like to just get my money back and cancel this credit card account, I can not because I have several XXXX mileage plus miles that I have yet to use. | ||||||
| 10/19/2017 | Yes |
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| I become Chase customer in XXXX when opened my checking and saving accounts with them with my foreign ID and documentation. In XXXX XXXX I applied for Chase freedom for which I was approved even without SSN. I applied and received Chase ink for my business in XXXX. All credit cards were paid on time and full. In spring of XXXX I have received a call from Chase asking to verify my SSN as they did n't have proper documents on file and asked me to send my SSN verification documents which I faxed them from their office. I have business and personal checking accounts with Chase. Plus the bankers from XXXX XXXX Chase office knowing my balances with XXXX and XXXX were persuading me to become Chase private client. I was waiting to apply for Chase sapphire reserved Credit Card and never applied for any credit card for a year. When applied for credit card application was pending. I called lending department same day and the specialist told me that i need to pass the verification of SSN. ON THE RECORDED LINE i told them i have provided all my documentation in XXXX for freedom and repeated twice that i have only 2.5 of credit history. The lending department specialist on recorded line told me that he sees that I have 2.5 years history and I am approved for the card with my credit. During the same period I called on the recorded line Chase Ink services that i need to buy XXXX XXXX computer equipment from XXXX and informed them to approve that transaction and they are not fraudulent. And the transactions were approved. On XXXX XXXX i see that my card were shut down I called customer service they connected me to XXXX. It was different type of lending department. I was told that my card were shut down for 2 reasons. - rapid increase in revolving balances ( which i explained I informed them that i am going to buy some equipment for my business and I was always paying before balance statement period, and i am returned some items back to the stores so it will show refund ) - Not enough credit information of file. ( the lady on recorded line asked me only one question why i have only 2.5 credit history as most of people starting getting credit card from age of XXXX ). I told them that I moved to USA only in XXXX, opened my First credit card with Chase in XXXX, passed SSN verification in XXXX and CHASE is fully informed about the fact that I am US person from XXXX. And moreover during Chase sapphire application the lending department employee confirmed that I was approved with my 2.5 credit history. To my arguments the employee simply answered that unfortunately the department which closed that account was not aware of any of that information and did not communicate with other departments. On XXXX the another employee from same department told the biggest concerns that were balances on my account and told me to pay them. I already deposited my money to the account but according to the call XXXX I was not able to pay them online as my account were shut down and was told to pay online. Anyway I was able to pay balances Online in full ( even for returned merchandise for XXXX Usd which shows as credit now on my file ). I was told to wait 10 days to receive a call regarding my accounts. On Monday in XXXX chase branch I was told by banker that my account were shut down as I am new to the country, I told them it was a discrimination and he told me that it was Chase policy. To my biggest surprise I never received any call until I called them today my request declined for the same reasons. And i never received chase sapphire card and activated but it shows on my accounts online and according to the banker from XXXX it will show on credit reports too. So chase one department approves credit, another department approves transactions, another department does all verification and there is another department XXXX who shut downs the cards and admits that they are not in touch with other department and do n't care about information provided. As they are to lazy to call lending to verify my credit information provided and contact fraud and customer service to verify that i informed them about upcoming transactions. Even I paid for the credit cards knowing that there will be refund from XXXX as I was instructed by banker to reopen the accounts on XXXX Because I am new to the country should i be discriminated? My cards and credit bureau profile should be ruined because of chase as I was not in USA at age of XXXX to apply for the card? Moreover my Identity was stolen and i was XXXX XXXX XXXX and my chase credit cards were stolen ( chase was aware of that ) and such a support I was getting from the one of the main bank i was banking with. | ||||||
| 12/30/2022 | Yes |
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| I have a Chase checking ad Saving account and had a business checking account as well that was closed by Chase this XXXX- this is a complaint about excessive NSF/overdraft fees that, when I checked your website, Chase claims that they were doing away with in 2022. I realize that I am to blame to a certain extent for how these fees were triggered- however I think when you see how out of control these fees accrued in 2022 from XXXX to XXXX of this year-totaled ( at that time Chase had charged XXXX {$1500.00} in {$34.00} NSF fees on XXXX regular checking, and {$860.00} in NSF/overdraft {$34.00} XXXX on my closed business checking account ), that something isn't right. I had a direct deposit coming in each month from the Federal government for my XXXX XXXX for mental illness- I suffer XXXX XXXX XXXX XXXXXXXX but I am not at all XXXX XXXX- although maybe these incidents indicate otherwise! .. It was direct deposited to my savings account and then I would transfer it our to my XXXX checking accounts. I was working an allowed part time self employed business and honestly I got XXXX a few times and suffered often from XXXX XXXX in 2022. What I basically noticed this year, was that Chase extened me a total of the equivalent of my XXXX direct deposit amount ( {$2000.00} ) in overdrawing my checking accounts - either all in XXXX checking account or a combination in the XXXX accounts. Then my direct deposit hit and as soon as I cleared the accounts back to a XXXX or positive balance, I could immediately overextend or over draw the next month back to that {$2000.00} limit. I was vaguely aware that I was getting NSF charges of {$34.00} but didn't pay that close attention. So right then and there by saying this, I realize that what has happened and me admitting I wasn't paying attention means that I am to blame. But especially when I see that Chase claims to have eliminated these fees in 2022 - I say BS. Also, because I was really starting to hurt because I wasnt getting the full effect of my XXXX deposit each month when Had hundreds of dollars built in to the negative balance I had to clear in order to reset and get the " overdraft credit ''. I finally sat down and crunched the numbers and was shocked- but knowing this was probably just a computer program, I was sure that when I appealed to human beings to review, that XXXX. I was putting an end to this vicious cycle, and XXXX. Somebody would take a little pity on me and my situation and give me SOME refunds- after all, if this was a credit card account and balance- by my paying the entire ( negative ) balance in full each month- I wouldn't even be charged interest by the credit card company XXXX What was the difference? Well I got no XXXX and the letters I wrote were handled by some young college trainee or new hire person that had not power to offer anything more that a XXXX of the latest NSF {$34.00} charges reversed. Okay so what I did and told Chase, is that I had to move my XXXX to another bank and checking account where I could avail myself to the full XXXX monthly amount and that because in both checking accounts I had left in XXXX a {$430.00} negative balance ( business that I had already paid $ XXXX XXXX been charge that much in {$34.00} NSF XXXX, and in the other a negative {$600.00} plus-but not {$700.00} in my regular checking that had received {$1500.00} in {$34.00} NSF XXXX ) XXXX so basically, in my mind both accounts had negative balances that were 100 % from NSF fees and that I needed and would take my time addressing and paying. Well I didn't move fast enough on my business account ending in XXXX and they closed and purged all records and statement from my sight- and I finally paid in full this week to prevent this from going in to collections or having the account reported to the XXXX XXXX. The regular Chase I paid fast enough to keep that account and asked Chase to be sure NOT to allow any kind of overdraft " priviledges '' - as its no gift - its a poverty trap to me. I wouldn't even be writing this except that I had a separate issue with XXXX XXXX that I wrote to you for help - AND WITHIN THE SAME DAY XXXX called me to resolve- so you must scare banks and therefore- while I realize ultimately I am to blame for what happened with Chase XXXX I thought perhaps someone higher up then the trainees I got responses from, would see that maybe it the XXXX XXXX? But certainly when getting the XXXX complaint ready, I saw that Chase was XXXX of the banks committed to elimainating NSF fees and overdraft fees in 2022 it seemed so I thought you should know that this happened to me despite their pledge to do away ( the XXXX print on your website ) | ||||||
| 03/10/2022 | Yes |
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Web | Older American |
| XXXX I had my XXXX, XXXX and wallet stolen. XXXX unable to sign in to my online banking and it was after hours. XXXX Went to the Chase branch to inform them of a notice I received informing me of a transaction to XXXX. I told the branch what was taken and said I could not see my online banking and asked they print what had transpired of balance and charges taking place. When I asked XXXX about a deposit for {$2500.00} I was told it was a XXXX transfer from XXXX account ending in XXXX. Informed Chase that I use to have an account with XXXX ending in XXXX but I had closed the account. ChasXXXX said to call XXXX. I placed call to suntrust on the XXXX to inform them there was money in my account that did not belong to me thru XXXX. Representative on phone stated there were no such transactions showing at which I said oh boy free money but then said I was doing the honest thing of reporting it since it was not mine. XXXX this XXXX person was able to take out {$1100.00} from my checking account leaving me with a zero balance. XXXX is the date that deposit came thru XXXX XXXX to my Chase account. On this same date there was a withdrawal for {$1000.00} a withdrawal for {$980.00} a withdrawal at an ATM for {$300.00}. On the XXXX while at the Chase branch they print off they ran for me after the deposit and all debits I had {$280.00} left in the checking. I took out {$250.00} so balance was low in case any other charges were attempted. Came home from Bank on the XXXX and filed fraud over these transactions. Sometime later I get word that debits would be credited till investigation completed but should the decision not be in my favor I would have to repay that money. I get notice that the ATM charge was in my favor and the other claims denied. Meaning I would have to pay all other money back. That left my checking with a negative balance of approximately {$3000.00} on the XXXX I went to question XXXX about the account ending XXXX being closed and how did a XXXX transaction happen on a closed account, asked if funds are verified prior to XXXX sending money to others and asked if you can have two XXXX accounts at the same time with different banks. Response was they could not see much because the account had been closed. XXXX tells me the XXXX account was not closed till XX/XX/2022 and I said funny because I have a letter here saying closed on XX/XX/2022 Branch attempted to call fraud team while I was there but after 25 minutes I needed to head to Chase. XXXX says there is nothing at the branch level that they can do since they could not see the account because of file not pulling up being closed was then told to call fraud team and report to open claim. XXXX told me you can not have two XXXX at the same time and also told XXXX verifies the money prior to sending. I head to Chase - I questioned the reasoning they denied the other fraud claims but approved the ATM- I was told that it was that all transactions were from the same IP address of my phone. I stated that stands to reason since phone, XXXX and wallet taken that it possibly was someone with my phone. before the decision was made the only questions they asked was Did I authorize the transactions or give my information to anyone. I stated I did not. Now what I am really upset about besides the shotty job looking into the claim is I had funds from my retirement set to be electronically deposited this week and the money was sent to checking as was my direct deposit from Social Security. Chase took the deposits to pay back the {$3000.00} they say I owe them leaving me now with NSF charges and a negative balance of {$300.00} in my checking - no money to live on for 5 weeks and no one made any comment- I was never notified that the bank would take my only income and retirement money that was needed to pay a late mortage payment that if not paid they will start foreclosure. I informed them I have a partner with terminal XXXX that has spread to the XXXX, I have a parner of almost 20 years facing death and now so worried he will be homeless. The additional stress is not needed but I was told that they would consider decision once I showed proof phone turned off! Really, you base your decision on an IP address for a phone that was reported stolen and you don't look at your own banking site that shows a report of how online banking is logged into and on XXXX the day of all the transactions the report shows 12 attempts some minutes apart and even in the early morning at XXXX XXXX. Chase has taken my income and makes me out to be the bad guy while XXXX branch cant find record of the account I had with them about 16 years, fraud team says branch and branch says fraud team. | ||||||
| 02/22/2021 | Yes |
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| My issues is with JP Morgan Chase. On XX/XX/XXXX there was an automatic deposit made into my personal checking account in the amount of {$640.00}. However, this ACH deposit did not belong to me. After doing my own research of the description provided about the deposit, it was an unemployment payment from Colorado. I live in Indiana though! This ACH transaction was the beginning of all my issues. After those funds were deposited into my account, the account was flagged as fraud. Being that these funds were government issued I can understand that happening. But, what happened after and since leaves me in utter dismay of such a company. The company CLOSED ( NOT SUSPENDED ) my account. They then WITHDREW ( NOT FROZE ) all the funds in my account. This all took place on XX/XX/XXXX. After the company WITHDREW all my funds, there were 3 transactions that I had previously made that posted. This then put my account in the negative of {$180.00}. I spoke with the Fraud Department several times over the courseof the next 1.5 weeks, due to being hung up on and customer service reps not knowing how to help me or giving me conflicting information from one person to the next. This was to try and determine how I can resolve any issues and have the money that belonged to me returned. It was determined that I needed to provide documents of all my funds that were put into my account dating from XX/XX/XXXX to XX/XX/XXXX. This was to PROVE what amount of the previously WITHDRAWN money truly belonged to me. I gathered all necessary documents and had the scanned into my file or the system at my local branch office. This process was repeated 2 times because after a month of repeatedly calling to check the progress, I was told these documents never made it to where they needed to be. In XXXX I was speaking to a Claims Department representative who informed me that my previous fraud claim against the {$640.00} ( I was told previously I needed to file a Fraud Claim on this transaction in order to show it wasn't mine ) had never been processed. The previous claim was done the month before! So, I filed a new fraud claim against the transaction. This was done on XX/XX/XXXX. I received a letter with in days stating that this claim needed no action and the inquiry was resolved. Yet, no matter who I tried to talk to in any Department no one could tell me how the funds that belonged to me could be released. I also had been receiving collection letters and phone calls by this time over the negative balance on my account. But remember, it was only negative because the company WITHDREW all my money. So, I would not pay off the account. That money and those funds the Collection Department was seeking was being held by the company already. Finally I received help by a banker at my local branch who was acting as a liaison for me. He tried very hard to figure out how to fix this issue, even though he couldn't fix it himself. In early XXXX, he was told by a representative in the Claims Department that although I recieved a letter from them stating the inquiry was resolved, that only meant that it was resolved on my end ... that there was nothing else for ME to do. But that THEY had 90 days from the date of inquiry to release any funds belonging to me, as they may need to look into the claim further. ( WHAT! ) OK, so I waited until XXXX XXXX. I never heard from anyone and never received a refund. I then went to see that same banker. After being shifted through different departments on the phone with him there, we ended up speaking to the Fraud Department. They then stated that the Claims Department had not made the proper notes transfered into the system to the Fraud Department in order to give them permission to release my money. Their suggestion was to call Claims and tell them that I needed a 3 way call with myself, a Claims Representative, and a Fraud Representative all together in order to clear up any issues and finally get closure on this. I tried for 1.5 weeks with no results. The last Claims Department Manager I spoke to was on XX/XX/XXXX. This call ended with him being told by the Fraud Department that I needed to contact the Collections Department and resolve that issue now before they will look into how to release the money still owed to me from XX/XX/XXXX. As I've noted previously, those funds the Collections Department is after is being held by the company themselves. I have no intention on giving them more money! At this point I feel that I have done everything asked of me. Called everyone I can and gone in person to speak with whom ever I could about this issue. Reporting this claim is the next step at this point. | ||||||
| 07/17/2020 | Yes |
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| On XX/XX/XXXX my checking and saving accounts were both restricted for an unknown reason, and the customer service from the fraud department told me that they can't disclose any information about why my account was restricted, but my account will be closed in a week and the check will be mailed out. However, On XX/XX/XXXX, when I called the fraud department again, they told the check can't be mailed out, because they realize that there are two unknown sources of direct deposit coming into my checking account for the name under my husband and my son, and that was the reason they can't mail out my check for the remaining balance of {$5000.00} ( checking ) and {$390.00} ( saving ) even the account has already been closed, and he told me on the phone that all three of us must go down to the branch and meet with a personal banker with two forms of ID. We did go down to the branch on XX/XX/XXXX and show our two forms of ID to officer relationship banker XXXX XXXX XXXX ( NMSL ID:XXXX ), then she told me that the check will be mailed out in two weeks. After two weeks, I contacted the fraud department, they told me my account is under review, and check can't be mailed out, and they CAN'T PROVIDE ME WITH A REASON OF WHY IT IS STILL UNDER REVIEW AND TIME FRAME FOR THE REVIEW. THEN, I TOLD THEM TO TRANSFER ME TO HIS SUPERVISOR, And I told the supervisor that I will file a complaint with Office of the comptroller of the currency, then the supervisor decided to transfer me to the executive office, and the guy named XXXX in the executive office created a case and assigned my case to XXXX XXXX ( she works for executive office, and her job position is Business Operation Analyst ). On Tuesday, XX/XX/XXXX, XXXX XXXX contacted me, and I explained to her what has happened to my account, I told her that the direct deposits coming into my account is under my husband and my son, and we have visited the branch on XX/XX/XXXX to show 2 forms of ID for all three of us, and if the funds can't be released, my family is facing a possibility of eviction, because we don't have the money to pay the rent, and we are going to become homeless. I told her that the direct deposit under my husband is his unemployment benefit money and direct deposit under my son is from his payroll for a campus job, I even told XXXX that I have all the documents from my son 's school and the approval letter for unemployment benefit. she told me that she will work on my case and get a response for me ASAP. The next day ( XX/XX/XXXX ) the assistant Branch manager XXXX XXXX ( NMLS XXXX ) contacted me and told me she wants to discuss my account with me, then I brought all documentation with me and went down to the branch with my son, When we get to the branch, she told me and my son that she doesnt know what is going on with my checks, and told me to wait while she is contacting different chase departments, Me and my son told her several times, that We have the direct number to reach out to XXXX XXXX , that XXXX XXXX is from the executive office and she is working on my case and my case number is XXXX, and you can reach out to XXXX XXXX by calling XXXX and then enter the number XXXX, that way you ( XXXX ) dont have to wait on the phone to talk to other people about what has happened to my account. However, XXXX refused to do that without giving me a valid reason and kept me and my son waiting there for 3 hours, then after 3 hours she told me that she still doesnt know what is going on and she ( XXXX ) has finally decided to email XXXX after 3 hours, and told us to go home. After we went home, I and my son contacted XXXX XXXX, and she told me she wanted XXXX to look at the documents we have, however, XXXX didnt even take a look at our ID to verify our identity with the three hours that we were there. On XX/XX/XXXX, I and my son went down to the branch try to make a complaint to the branch manager XXXX XXXX ( NMLS ID:XXXX ) about the terrible treatment that we received yesterday from XXXX XXXX after listening to us, she decided to make a copy of my ID card, my sons ID and U.S passport, MY husbands ID card and U.S passport, and the approval letter for unemployment benefit and told me she will forward to XXXX XXXX , if XXXX XXXX requested. However, since, the phone call on XX/XX/XXXX, there are no updates from XXXX XXXX even though I explained everything to her on the phone on XX/XX/XXXX, and XXXX is aware that we are facing the possibility of eviction, because Chase still has not released the funds in my checking and saving account, and my family needs the money to pay for rent and other bills. AS OF THIS MOMENT XX/XX/XXXX. THERE IS STILL NO ANY UPDATES FROM CHASE. | ||||||
| 01/14/2018 | Yes |
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Web | Servicemember |
| Direct deposit payroll from my company : XXXX XXXX XXXX XXXX XXXX of XXXX Texas was put on a 48 hour, RESTRICTION. I WAS TOLD, the restriction was due to the fact that the IT department did n't know how to allow ANY, deposit or transaction to occur ... .. after a Settlement check had been deposited the day before into my checking account, before the direct deposit was to take affect. Thursday XX/XX/XXXX I drove to my institution which is : JPMorgan Chase Bank ..i deposited a settlement check that I have received from a settlement ... the entire check was in the amount of {$4100.00} and some change ... after I deposited that Settlement check I also took out an additional {$30.00} out of my checking account ... they allowed {$30.00} to be withdrawn at that time .... out of my checking account however I was XXXX dollars overdrawn from the checking account ... .I assumed I had requested such a small amount from the settlement check of only {$30.00} dollars out of the {$4100.00} that they went ahead and allowed me the {$30.00} dollars cash, and that 's why they allowed it to go through the settlement check or clear from the settlement check not the overdrawn checking account .... the problem that I have is the fact that my direct deposit from my company ... which I have directly deposited my payroll checks from the company for the last three years, did not clear JPMorgan Chase bank until Saturday XX/XX/XXXX the direct deposit payroll check should have cleared on Friday XX/XX/XXXX not Saturday XX/XX/XXXX. I always get paid at midnight the night before so my checks clear directly on the night before I get, paid. so the check should have gone in actually at midnight on Thursday XX/XX/XXXX at midnight which would have technically been XX/XX/XXXX at XXXX XXXX midnight ... Which would have been the XX/XX/XXXX however because Thursday night I had deposited the settlement check the IT department put a restriction on my account or somebody else put a restriction on my account just because I had made a deposit the day before in such a large amount the entire account had restriction and the entire account would not allow for any deposit any transaction of any kind to go through ... a deposit or not, so I called and asked what the problem was and I called and spoke with the manager of the accounts department and I was told that the account was on restriction and I asked what for, ... .and i wanted to speak with a supervisor ... A supervisor got on the phone and said there was nothing they could do about it because the account was on restriction .... what I do n't understand is why my payroll check, that I was waiting on to clear the bank that I worked for, that has been directly deposited into that account have anything to do with that settlement check that got deposited??? I was not asking to take the money out ... I was n't asking for the {$4000.00} I was n't asking to take away or withdraw any funds other than the {$30.00} dollars I got Thursday night .... I was wanting to know why it was my payroll check had not been reflected on to my account and it was a direct deposit and has been for the last three years and they stated I was on restriction because of a deposit the night before. I need someone to understand that this is completely ludicrous unethical banking practices why are you going to restrict someone 's payroll direct deposit just because the day before they deposited money???? it makes absolutely no sense whatsoever to punish the consumer and not allow them to have their money and put them in a financial crisis ... they have no idea what they did to me, for that 48 hours. I am Not asking for anything to be done other than I need someone to be aware of these unethical practices you can not allow a bank to get away with that ... I have been a customer with JPMorgan Chase Bank since XX/XX/XXXX and like I told them on the phone when I spoke with them on Friday XX/XX/XXXX I will no longer be a customer of theirs as soon as I have all my ducks in a row I most likely will change Banks and go to some other financial institution because of this situation ... .. I find it absolutely ludicrous and unethical that a financial institution has that much power to hold people 's direct deposit, and see fit to it when too release the individuals funds, when it was directly deposited to begin with ... ... The saddest part about all of this was my payroll check was only {$930.00} dollars and I was asking access to my money that I worked for my {$930.00} was all I was asking access to .... I was not asking for access to the XXXX dollars ... I was asking for access to the {$930.00} dollars, that I worked for ... ... | ||||||
| 01/15/2022 | Yes |
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| On XX/XX/2022, someone hacked into my Chase Business Account and added themselves, or two separate individuals to my payroll and then send a Realtime Payroll Payment to themselves from my account, presumably on my computer, the same day. A little before XXXX on XX/XX/XXXX, I received a fake call alerting me that there were pending transfers, claiming they were with the Chase Fraud Department and asking if these transfers were approved, to which I said no. The person on the phone verified they were with Chase by reading my entire account number, email address, address and the previous XXXX transactions from that account. When I went to check my account, I was locked out. The person gave me a temporary password and showed me where I could see the transactions being reversed in " Refund Receipts '' and assured me if they had not called me they would have gone through that night by XXXX. I was even sent a survey afterwards from Card Benefit Services on my claim and when I looked up the phone number that the scammer had called on, the first thing that popped up was Chase Private Client. I did not authorize any of the payments, I did not enter any of the routing or account numbers, and I did not send or authorize these payments. The next day, XX/XX/XXXX, I went to check my account to make sure the money was there and Chase had put a freeze on my account due to " unusual activity ''. I immediately called and was told the XXXX transactions had gone through via payroll and that I would need to call the Claims department immediately. I was connected to the Claims department and was hung up on after waiting XXXX minutes so I went to Chase before it closed and told my story to the banker. The banker then called the Claims department and relayed my story, but he was told it was denied because the payment type was irreversible and because I initiated it, with no explanation of what that means. He said since it was a case of hacking, in order to submit another claim, I would need to file a police report about the hack. I immediately filed the report on the XXXX and was given a temporary case number. I then called the Claims department again and was told because the claim was denied, I would have to dispute the case on my Chase Online Account, which I do not have access to. I asked to speak to the woman 's supervisor. She tried to transfer me and it was taking a while ( about XXXX minutes ) and then the woman said, not knowing I was on the phone " Ugh I want to go home '', to which I said " I can still hear you, I am sorry but I want my {$37000.00} back. '' Very unprofessional. She was clearly embarrassed and about XXXX minutes later the line went blank and I was hung up on. The following morning, on the XXXX, I went to Chase Bank ( a different branch ) and told my story to XXXX different bankers, both agreed I had not initiated and this was a case of hacking and identity theft. I was given the Identity Theft packet from Chase and followed all of the steps once I got home. At the bank I was connected to the correct Claims department and the man told me because there was still an active claim ( which I didn't even know ), I couldn't submit the hacking claim. He said the claim was filed incorrectly but until it was denied we couldn't resubmit the claim. He said I would hear from Chase Claims department via phone once that was denied and we can resubmit. I called later that day to check on the status of that claim and was told again because the payment type was irreversible I would be denied. I said I understood and asked how I would find out once it was denied so that I could resubmit and she said it would be mailed to me, which was different than what I was told previously. I have since frozen all of my credit reports, put fraud alerts on all of them, changed every possible password, added security steps on the Chase personal accounts I do have access to, and filed a police report via phone and one via computer, as well as filled out an Identity Theft alert form with identitytheft.gov. I am still locked out of my business accounts and Chase never reached out regarding the " unusual activity '' that froze my account in the first place. I had no notification from Chase bank that someone from an unknown device logged into my computer, and no questioning from Chase whether I administered these large payments before they were sent. I did not even have Payroll set up. My business is only myself and now I have had {$37000.00} stolen from it, all because Chase allowed someone to access my account. I believe this is a case of negligence on Chase Bank. I have frozen all of my credit reports and put fraud alerts on them. | ||||||
| 04/30/2020 | Yes |
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| XX/XX/2020 - I booked two round trip flights through Chase Travel Rewards for a total of {$930.00}. XX/XX/2020 - XXXX XXXX canceled the outgoing flight of the roundtrip ticket. XX/XX/2020 Received an email from Chase Travel Consultant Supervisor that said, We have made multiple attempts but are still in the process of making contact with XXXX for the refund request for us to get a waiver to proceed with the cancellation and refund since your reservation is covered per airlines policy. Please expect an email update from us within 24 hours once we get response to the airline. XX/XX/2020 Called Chase to follow up on the request for a refund for the canceled roundtrip ticket since I have a legal right to a full refund. The Chase representative said they had to contact XXXX in order to get a waiver process my refund. XX/XX/2020 I received an email from Chase Ultimate Rewards that said : We have issued an airline credit for your flight. You are receiving this email as either your airline has cancelled your flight, or it was noted that you did not take your trip as scheduled because of the current situation related to COVID-19. No need to call us, we've got you covered. Your safety and peace of mind are of utmost importance to us, and we want to let you know we have issued an airline credit for your flight. All the details of your airline credit, such as traveler name, amount, and expiration date, will be emailed to you in a confirmation email that you will receive soon. XX/XX/2020 Even though I did not cancel my flight, the Airline did, I received an email from XXXX XXXX at Chase Ultimate Rewards that said : Thank you for contacting Chase Ultimate Rewards. We have cancelled your flight as requested. You hold a future travel credit for two passengers in the amount of XXXX USD per person. At the time of utilizing your credit, each passenger will be required to pay the airline change fee is waived, along with any difference in fare. A few other rules to keep in mind when you would like to utilize your credit : At least one leg of your flight must be on XXXX XXXX. To redeem your credit, you must book your travel by calling Chase Ultimate Rewards. Travel must be rebooked within the 760-day period. Credits are issued for each traveler and are non-transferable. XX/XX/2020 - Even though I did not cancel my flight, the Airline did, I received an email from XXXX XXXX at Chase Ultimate Rewards that said : We are reaching out regarding the cancellation form you submitted. Your trip has been cancelled per your request. We are sorry that you had to cancel your travel plans, and we apologize for the inconvenience. We reviewed your request and advocated on your behalf with XXXX. Although your booking was not refundable, we were able to secure a future travel credit that you can use to rebook your travel at a later date. This way you do not lose the value of the fare you have already paid. A few other rules to keep in mind when you would like to utilize your credit : Your travel credit is for 2 passengers in the amount of {$460.00} per person The airline change fee is {$00.00} per person If there is a difference in the new fare, you will be responsible for the difference. At least one leg of your flight must be on XXXX. To redeem your credit, you must book your travel by calling Chase Ultimate Rewards. Tickets being valid up to 760 days from the original ticket date. Credits are issued for each traveler and are non-transferable. XX/XX/XXXX I called Chase Travel in response to the two previous emails and was escalated to two supervisors. The first hung up. This call lasted 1h 40m until the call was terminated while I was on hold without resolving the issue. Again, I was told that Chase is waiting on a waiver from XXXX in order to process my refund but the issue was never resolved before the call was terminated while I was on hold. XX/XX/XXXX I called Chase Travel after my first call was terminated in the middle of reaching a resolution. On this call, the manager said that there is nothing Chase can do about refunding my ticket until they receive a waiver from the airline. I said per the U.S. Department of Transportation, a credit card refund was to be completed within seven business days of the request. It has now been over a month since the flight was canceled on XX/XX/XXXX and I made my first official request for a refund to Chase on XX/XX/XXXX. I also asked for a record of all my calls to Chase to which he responded that they have been having technical issues and he does not have access to this. He could only cite these two cases, but I believe I have made more calls that Chase does not have a record of. | ||||||
| 03/02/2021 | Yes |
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| XXXX XXXX XXXX by Chase : I made an XXXX purchase for {$540.00} in XX/XX/XXXX, taking advantage of the advertised Chase XXXX XXXX flexible financing option of making interest free payments for 12 months. I made the XXXX XXXX XXXX payments each month, as required. By the end of XXXX, my remaining XXXX XXXX XXXX balance was {$530.00}. On February XX/XX/122021, I made two purchases from XXXX XXXX, XXXX {$340.00} and another for {$350.00}. I also made an XXXX purchase on XX/XX/XXXX of {$10.00}. Not one of the items was purchased under promotion financing terms and the total of the three purchases was {$710.00}. In short order, I returned the {$340.00} purchase to XXXX XXXX, which was credited to my Chase XXXX XXXX XXXX account on XX/XX/XXXX, leaving a non-promotional balance of {$360.00}. I accepted and expected that my Interest Saving Balance would then be approximately {$400.00} for XXXX. However, on my XXXX statement, my Flexible Financing Offers balance shrank from the XXXX {$530.00} to {$160.00}, a difference of {$370.00}, and my Interest Saving Balance skyrocketed to {$710.00}. For the previous two months, my Interest Saving Balance had remained $ XXXX. As it was clear to me that the XXXX XXXX return credit had been applied to my XXXX XXXX balance rather than the non-promotional statement balance, I contacted customer care for a resolution. The customer care representative expressed complete understanding of the situation before rendering the following explanation : Chase applies any credit on the account, whether payment from the customer or credit from another business, as a payment, which is applied to the oldest balance on the account. That means Chase took the credit from the XXXX XXXX return and applied it to the balance of a XXXX promotional purchase, after only 2 months into the promotional period, and retained the total non-promotional purchase of {$710.00} as the Interest Saving Balance, plus {$1.00} from somewhere I haven't been able to identify. The consequences of failing to pay the {$710.00} Interest Saving Balance, of course, is being charged interest, despite the fact that I was promised 12 months to repay the initial XXXX purchase, and despite the fact that almost {$400.00} of that Interest Saving Balance accounted for a credit from XXXX XXXX. I requested a supervisor and was promptly given the same explanation that any credit is treated as a payment and applied to the oldest balance. When pressed on whether the supervisor thought it reasonable that in the XXXX century, a bank like Chase could not keep promotional purchases separate from non-promotional purchases, if that made any kind of accounting sense, she responded that she does not disclose her personal opinions in these matters. I've worked in a call center, I never want to be THAT customer, but I was incensed. This credit card company has placed me in the position to have to pay {$300.00} more than I should be paying or accept the cost of the interest, which is clearly going to their benefit. I get screwed and they win either way. To some, a {$300.00} difference may not seem much, but it's significant to me and my family, and to others whose purchases/returns equal much more, the burden may be that much greater. This reeks of nefarious, unethical business, intentionally allocating funds to give the greatest possible chance of the customer being forced to pay interest, a convenient little loophole in their policy to make someone like me have to pay a full amount 10 months early or start paying interest. Again, that little bit of interest doesn't sound much, but I can't imagine I'm alone in this happening. Add up several thousand, or more, customers paying interest because a return credit was applied to their promotional balance and suddenly, you have tens of thousands, hundreds of thousands, more dollars rolling in. I paid the balance, as I am fortunate to be able to so, and will close this account. They could keep me as a customer with a credit to my account and an apology, but I want hold my breath. In the meantime, I wanted to file this complaint for the benefit of anyone considering a Chase XXXX XXXX XXXX, and for any other good it might do. I've had plenty of promotional balances with various banks that have not been impacted by credits or payments on other non-promotional balances. This is shady business by Chase, in a business that has been characterized by shady practices. For Chase to be so shameless and blatant stands out a bright, red flag in a sea of red flags. We are at the mercy of banks and corporations, but this is particularly egregious in my experience. Choose another card and another bank, if you can. | ||||||
| 11/25/2018 | Yes |
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| I am a victim of identity theft and actually have been since XX/XX/XXXX which I was NOT aware of until a month ago. I was part of XXXX 's Breach and NEVER notified until I signed up too have all my Information ran through the systems and the dark web. I have been FIGHTING charges with credit companies since XX/XX/XXXX. Then in XX/XX/XXXX I was part of a breach with XXXX. My information ... everything my name, address, phone numbers and insurance information was open and available on the internet from XX/XX/XXXX to XX/XX/XXXX. They had taken my soc sec num from my XXXX card. I have dealt with the worst credit card companies In my life who treat you like you are a criminal. I had 16 credit cards hit along with my bank acct. My cell phone and home phone were hacked. 2 of my email addresses were hacked and passwords. Well NOW I have YOU another credit card company who is putting me thru XXXX and I was advised by XXXX XXXX NOT TO MAKE A PAYMENT ON THIS ACCT UNTIL ITS MADE RIGHT BY THE CREDIT CARD CO. XXXX XXXX was the company who was supposed to help me with all this theft. They have made things worse. I do have help now from XXXX but for some reason they have not removed this acct off my credit report yet but XXXX XXXX did. Since XX/XX/XXXX ... ..I have had 7 credit cards with this company. Also reported charges that were NOT MINE, EVERY MONTH. Then they would turn around and re bill me for them. Especially the charges for XXXX and XXXX. I was actually told by a woman in their fraud dept that if I resubmitted them they would be thrown in the trash. This woman at the beginning of the call acted like she was going to help me ... .by the end of the call I was having a XXXX XXXX and she knew I was leaving the next day for SC for 4 days just to escape this identity theft nightmare. I have been sent too the hospital several times because I am XXXX at XXXX and the XXXX of all of this is killing me. My doctors are so concerned. I did receive 2 times in the mail documents of items they were going too be refunded and NEVER WERE still to this day. I said I WILL NOT MAKE A PAYMENT ON THIS ACCOUNT UNTIL YOU DEAL WITH THE FRAUDULENT CHARGES. So the last 2 cards they sent to me I purposely did NOT ACTIVATE. Well guess what XXXX there were over 55 charges and they knew they were NOT MINE. I did NOT accivate the card. Now on the XXXX statement on the last card they sent too me which again is NOT activated there are 3 charges NOT MINE and they are still there. They did refund all of the XXXX chgs but not the XX/XX/XXXX or ANY OF THE OTHER CHARGES THEY STATED THEY WERE GOING TOO REMOVE. SEVERAL TIMES I HAD TOLD THEM MY BALANCE SHOULD HAVE BEEN AROUND 1200.00. NOT XXXX. THIS COMPANY EVEN HAS 100 PERCENT FRAUD LIABILITY. MY XXXX. THEY HAVE PUT ME THRU XXXX. THEIR FRAUD PEOPLE CAUSED ME A XXXX XXXX WHICH I WILL BE SUING FOR. THEY AGAIN ARE MEAN AND RUDE AND TREAT YOU LIKE A CRIMINAL I CALLED THE PURCHASING COMPANY. THEY TOLD ME THAT LAST YEAR SOMEONE IN THE XXXX XXXX WAS ATTACHED TOO MY ACCT FOR 5 MONS. THEY HAVE LAUNCHED AN INVESTIGATION ON THAT. I CAN NO LONGER DEAL WITH THE LYING OF THIS COMPANY I AM GOING TOO DO A HUGE WHISTLEBLOWER ON THEM. I DONT CARE HOW BIG THEY ARE. WHAT THEY DO TO THEIR CUSTOMERS WHO ARE DEALING WITH IDENTITY THEFT IS HORRIBLE. THEY OBVIOUSLY HAVE NO COMPASSION. THEY LIE. I HAVE ALL DOUMENTATION FROM XX/XX/XXXX. EVERY BILL ... .EVERY FRAUDULENT CHARGE THAT WAS TURNED INTO THEM AND THEM TELLING ME ITS NOT. WELL I HATE TOO TELL THEM THEY ARE BEYOND FULL OF THEMSELVES. THEY HAVE MY POLICE REPORT, MY BREACH LETTER AND ALL OTHER DOCUMENTS. I HAD ONE CREDIT CARD THAT WAS XXXX. COMPANY CLOSED CARD AND CHARGES REMOVED WITH NO ISSUE AT ALL. THEY KNEW RIGHT AWAY IT WAS ALL FRAUDULENT. ONCE THEY HAD MY BREACH LETTER AND POLICE REPORT. WHAT IS WRONG WITH YOU PEOPLE? AGAIN I HAVE RECEIVED 2 TIMES YOUR LETTERS OF WE ARE REMOVING THESE CHARGES. WITH NOTHING REMOVED. THIS HAS BEEN GOING ON ALL YEAR WITH YOU PEOPLE WHICH MADE SENSE ONCE I FOUND OUT I WAS PART OF XXXX BREACH OF XXXX ALONG WITH 9 OTHER ONES. WHAT PART OF MY SOCIAL SECURITY NUMBER WAS STOLEN OFF MY XXXX CARD DONT YOU UNDERSTAND. I WAS NOT EVEN NOTIFED FROM THIS CO UNTIL XX/XX/XXXX AND WENT RIGHT TOO THE POLICE STATION. WALK A MILE IN MY SHOES. 1ST BEING XXXX AT XXXX AFTER BEING HEALTHLY THE MAJORITY OF MY LIFE THEN ALL OF A SUDDEN YOUR HIT WITH 12 XXXX AND THEN 2ND SOMEONE STEALING YOUR LIFE. ITS NOT EASY. THEN EVERY XXXX YOU HAVE GOES INTO A FLAIR AND YOUR ON A WATCH FOR A XXXX OR ANOTHER XXXX XXXX FROM THE XXXX OF PEOPLE LIKE YOU. You need too follow your word as a company and remove all fraudulent charges. | ||||||
| 12/25/2022 | Yes |
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| I disputed 3 charges on my Chase credit card account : {$66.00} on XX/XX/2022 {$54.00} on XX/XX/2022 {$54.00} on XX/XX/2022 This dispute was initiated XX/XX/XXXX, when I called Chase about a series of unauthorized charges on my Chase credit card. Chase customer service initiated a fraud investigation leading to issuance of a new credit card. Ultimately, Chase determined there was no fraud. I called Chase customer service again and was told the claim should have been handled as a dispute, not fraud. I was told to submit a letter detailing the disputed amounts. I did so and was later asked to provide additional information. Nearly 2 months passed with no communication from Chase and I noticed that the charges were now back on my billing statement after previously being removed. I called Chase customer service and was told to wait for communication from Chase customer service for clarification. I paid the balance for my credit card minus the disputed unauthorized charges. On XX/XX/XXXX, I received 3 letters from Chase regarding the disputed charges. The letters appeared to be partial duplicates asking for additional information on this claim. I answered the questions posed to me on the sheets. I utilized the Chase website to upload the handwritten responses and letters detailing the unauthorized transaction. Details : On XX/XX/2022 I made an online 1 time purchase for {$7.00}. The purchased item was an aftermarket outdoor action recorder. The purchase amount was for shipping and handling. This camera was basically garbage and did not work as described. Unbeknownst to me, at that time, the company signed me up for a monthly subscription. I was unaware of the monthly charges due to monthly automatic payment and high CC charges in that time period where I did not scrutinize my bill. I disputed the charges when I became aware of them and a fraud investigation was initiated. I did not authorize the purchase and did not agree to a monthly subscription plan. Further, I never received any subscription item or value from those 3 charges. It should be noted that I spoke with the merchant ( XXXX ) during this time period ( XXXX ) and they agreed to cancel the subscription and refund. First I was offered a 20 % refund leading to a 50 % offer after rejecting the first offer. I declined the second offer and stated I would pursue the matter with Chase. The next day, XXXX called back offering a full refund but then declined the refund since I had already initiated a claim with Chase. XXXX stated the merchant would wait to be contacted by Chase before processing the refund. It should be noted that during this conversation with XXXX, she offered to send me gift cards as part of the 3 subscription payments that my account had already been charged. I declined the gift cards and stated my intentions of pursuing a claim through Chase. Questions from Chase : -Provide detailed description of merchandise/service purchased. {$7.00} shipping and handling for " knock off '' camera. Received in late XXXX or early XXXX. Does not work. Garbage. Battery will not allow recording for longer than XXXX minutes. This charge is not in dispute. -The 3 unauthorized monthly subscription charges are in dispute. I did not agree to this subscription nor did I authorize the charges on my Chase credit card. I received nothing from the monthly subscription. -I attempted to resolve the issue by speaking directly to the merchant. I was told that once Chase contacted them ( merchant ) regarding the dispute that the fees would be refunded. I last spoke with the merchant in XXXX of XXXX. The above 3 paragraphs were responses to 2 identical Chase letters dated XX/XX/2022. A letter dated XX/XX/2022 requests other information. I completed the Chase forms and uploaded them to the dispute website. On XX/XX/XXXX, I received a telephone call from Chase regarding the dispute. It should be noted that I had answered all of there extra questions either in letter or handwritten form. I was asked clarifying questions that had already been asked and answered. At the conclusion of the call, I was told to wait for a determination from Chase and a letter would be sent. On XX/XX/XXXX, I received the letter and Chase denied my dispute. I called Chase immediately and was told by a manager that nothing further could be done. I have canceled the Chase credit card and WILL NOT pay the unauthorized charges totaling {$170.00}. I would add that before these unauthorized transactions took place, I was charging an average of {$4000.00} per month on my Chase card. I always paid the full balance at the end of the billing cycle and had never disputed a charge. | ||||||
| 08/02/2017 | Yes |
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| To Whom It May Concern : I XXXX XXXX, am filing a newly disputed complaint against the entity of JP Morgan Chase, Executive Office and Card Services. On XX/XX/XXXX, I received communications from JP Morgan Chase, Executive Card Services, regarding complaint ID # XXXX. However, I have discovered that based upon the letter provided by the executive office of JP Morgan Chase, it has nothing but insincere deeds, and unscrupulous discoveries, and substantial amounts of misleading information to deliberately trick me, as a consumer by JP Morgan Executive Card Services, and by a XXXX XXXX, in the phony way how it is being designed to benefit their major corporation. When I disputed this matter, and brought it to the CFPB, attentions I shared as much details as I could and wanted for a resolution of all the accounts deleted from all three major credit bureaus, and with other credible shared disturbing events of experienced stories that I had encountered in the past etc. And in further, I have discovered that the letter that was provided has no genuine merit to delete any of the accounts. XXXX, is telling me that they have received no notifications from JP Morgan Chase Executive Card Services, to either delete, or to update anything reflecting what the letter is saying of which I shared with them through fax on XX/XX/XXXX. And that 's also, more than ample amounts of time in a patient manner. And in addition XXXX, is also telling me that both accounts has a scheduled deletion date for XX/XX/XXXX, and that their both also showing as {$0.00}, but have all derogatory, and negative terms surrounding both accounts, and that the only communications that were ever received by JP Morgan Chase Bank, was an electronic one, where it mentioned about keeping all the negative terms on both accounts and only to update both accounts with a {$0.00}, amount. And this is a true statement from XXXX, because I received a credit alert on XX/XX/XXXX, validating that shared verbal statement from XXXX, and XXXX, has also informed me that JP Morgan Chase Bank, is still reporting both accounts under there company etc. And as such, in my closing out conclusion and analysis of this entire matter. These actions by JP Morgan Chase Corporate Head Office, supports nothing but rationale fallacies, ethical fallacies, rhetorical fallacies, and of course unscrupulous behaviors, which is reprehensible by all means. I knew all along that the letter in itself was questionable to start with, but I said to myself, that I 'll give JP Morgan Chase Executive Card Services, a chance at least to proof themselves to me otherwise, and of course to proof me just wrong. So I guest my gambling in my thought process was just right all along. I even did sincerely thanked all of them as a kind gesture even though, I had strange feelings about the entirety of the nonsensical letter written by a XXXX XXXX, and company. Also, the two other major credit bureaus such as Experian, and XX/XX/XXXX also has similar negative reports of showings on their systems. XXXX, who is a customer service rep, shared with me on XX/XX/XXXX, that JP Morgan XXXX, have not provided any kind of letters etc. And further, told me that the only thing that they ever received was an electronic alert saying to update to a {$0.00}, amount but leave all the negative terms, as well as a deletion for XX/XX/XXXX. And, XXXX, from XX/XX/XXXX, mentioned about both accounts are showing as delinquency 's with other negative terms and a deletion for XX/XX/XXXX. This statement was shared with me on also XX/XX/XXXX. All of this disturbing behavior 's to me as a consumer is deeply disturbing and of course deeply troubling knowing that JP Morgan Chase Bank, was blatantly being deceptive in all their collective approach to cause nothing but intentional malicious acts, and in further a deliberate huge disservice in an unjustifiable approach in the business marketplace to me as a consumer, and perhaps to many other consumers as well. This needs to be immediately halted by all body of government that regulates and oversees JP Morgan Chase Bank, and in further it deliberately warrants swift actions of justices by the CFPB, FTC, and all state attorney generals for the nefarious actions by JP Morgan Chase Bank, and company. Please note : I have also made numerous contacts to JP Morgan Chase Bank Executive Office, to give them the opportunity to remedy their troubling and intentional dishonesty 's in a fair way, and they have yet to reach out to me, or taken any actions to resolve the issues surrounding the matters, in general. And I have also updated a validation correspondence of faxed documents to XXXX etc. | ||||||
| 05/16/2022 | Yes |
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| On XX/XX/2022, my wallet was pick-pocketed while I was having brunch in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I was not aware of the incident until I started getting phone messages saying multiple of my credit cards were attempted or posted for large charges. Immediately after finding that, I called Chase and XXXX XXXX ( XXXX ), which are the two credit card companies that were attempted according to my phone messages to suspend my XXXX credit cards- XXXX Chase, and XXXX XXXX. Immediately after that, I suspended my bank debit card and my XXXX XXXX card in their corresponding phone apps. After those actions, I found that both my chase credit cards declined both transactions the criminal attempted to make - the first one at a local XXXX XXXX store and the second one at a local XXXX XXXX - phone text messages and emails from Chase are attached as evidence. Instead, both charges were eventually posted on my XXXX credit card, after 2-3 days. I acknowledged XXXX that both transactions were fraud, and they got immediately suspended and eventually refunded by XXXX. A redacted XXXX statement is attached as an evidence. I have made several efforts on collecting evidence and proofs. On the same day of the incident I called 911, but due to lack of police staffing in XXXXXXXX XXXX, I was told that it is not an emergency, so I should file a police report on ( 1 ) the thief incident, and ( 2 ) the credit card abuse incident. I did both on the same day, and both reports were approved by the XXXX Police Department after a couple of weeks. Both reports are attached as evidence. I have also tried to visit the XXXX PD to make a psychical report, but found that they are not open at all - possibly due to COVID and short of staffing. So I am not able to see a police officer at all. I have also visited the XXXX XXXX store and the XXXX XXXX those charges were made from. XXXX XXXX refused to provide any information or XXXX footages to me, claiming that they can only provide them to a police officer, but they assured me that they do have everything. XXXX XXXX employees were able to show me the XXXX footages, the transaction receipt, and pictures their surveillance camera took of the criminals who made the purchase in store, but they also told me that I can not get those documents - it has to be a police officer. But they also assured me that they will keep them and cooperate actively on any investigation. On XX/XX/XXXX, after one month of the incident, the XXXX XXXX charge was reposted to one of my new, replaced Chase credit card, with no reasons. It is the starting point of the numerous phone call communications I have with Chase on identifying the charge being fraud. My first call with Chase on reporting the fraud charge was on XX/XX/XXXX, first time I found the charge on my account- until today, after Chase claimed that an investigation is undergoing since then, the charge was never marked, flagged, or suspended in my account as a pending charge under investigation. The final due day of the bill is in two weeks, and Chase says the investigation can take up to 60 days - so it will incur interest if the case is not resolved by then. I have also communicated with Chase many times, including sending all the aforementioned evidence per Chases request to a Chase email account to prove that it is a fraud charge. Chase, however, insists it is not enough to prove my statement. They first asked me to email my replacement ID as an evidence, but I refused to email it, since I have just experienced a suspicious ID stolen incident, I can not trust emailing my government ID around. Instead, I insist that Chase provide me a claim ID, so I can use it to upload my ID in Chases phone app. Chase refused me twice via the phone, insisting that I have to email them my ID. I refused, and emailed them the police reports instead. Chase considered it not sufficient, asking me to provide XXXX footages as a proof. I clearly explained to them that I can not access them, and I am not capable of even finding a police officer in XXXX to access them twice on the phone. I also told them that if Chase needs proof, which means they themselves think I am lying, then they should put in effort on getting those XXXX footages instead of asking me to provide it. Unfortunately, Chase still insist so. I emailed them my redacted XXXX statement, the phone and email messages I got from Chase claiming the charge was declined, and Chase still considers it being not sufficient. Being fully cooperative and exchanged for Chases zero trust on their customer, I am filling a complaint seeking Chases immediate correction on taking care of this fraud investigation. | ||||||
| 02/03/2023 | Yes |
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| CHASE BANK XXXX Mobile deposit 10 checks from 1 company totaling XXXX dollars. XXXX Account shows XXXX. Go to bank. Was told XX/XX/XXXX check for XXXX flagged. Check issuing company needed to be verified. Last year I received and deposited 2 checks from same company, did not require verification. This company processes XXXX checks a year. -At Chase banker informs me the phone number of the company on the check can not be verified. Told to find another number for verification by Chase Deposit Review Dept sent home. Try 10-15 different numbers. Each time starting over with a new chase employee on the phone and have to explain situation again. Determine after calling Chase 's 3rd party verification system company XXXX XXXX myself, that they will NOT verify ANY provided numbers of this company and therefore Chase will not be connected for the call. Back to bank. Recommended best route is to ask check issuer to recall checks and send wire transfer. - Contact check issuer. NOT able to recall the checks, as they show checks are deposited in Chases system. Chase confirms funds have been deposited, but won't release to my account. XXXX Account shows balance of XXXX of available funds. Thought problem was over. Go to XXXX debit doesn't work, account froze. XXXX Account froze, now told ALL checks need to be recalled to gain access. Check issuing company can't recall, because chase deposited them all. - XX/XX/XXXX -Chase customer service rep casually informs me my account will be closed. I ask when? Replies in 10 days, but that this process started 4 days ago ( so 6 left ). - XX/XX/XXXX Conference call with my banker, the check issuers XXXX XXXX XXXX & Compliance Officer her point of contact at XXXX XXXX XXXX and Chase 's Deposit Review Team, to verify the check. Check verified! Should have funds next day. - XX/XX/XXXX Wake up, login into my account and my checking account been completely closed. - Call back to the Chase Deposit Review number. Told in the process of being re-activated by Tuesday ( 2-3days ). No check issued for my remaining balance. XXXX Now 2-3 business days later still NOTHING. Account not re-activated. XXXX funds or access to account. I call Deposit Review department, and am again told it will be two to three days for the account to be re-instated. Which would now put 2-3 days as Friday. -Confused, I call back again, concerned that come Friday I will simply be told it's another two to three days. New rep informs me that NO my account will be NOT be coming back online. and it is permanently closed. " I ask him is there a note saying it will be opened in 2-3 business days? '' He says " yes there is '' I ask, him " are you telling me I should ignore this, and that my account will NOT be returned. He answers YES. Why was I told it would be re-opened? No answer. XXXX Back to bank. Told if I didn't see funds he is authorized to create a new account to transfer the funds to. That will take 1 business day. XXXX Account still gone. Go to bank to create new account. Banker calls again his side of customer support, are told it will again take 2-3 days to complete the transfer. He is dealing with the same circle I am, having stated he has already verified all checks. He asks " what confirmation can we give him ( me ) that the funds will be there in 2-3 days as their word means nothing at this point '' No way to confirm. -After mentioning I may need to contact a lawyer, I'm informed this will now go to their escalation department. I ask if there's a way for me to contact them. No. They will contact me. XXXX Not satisfied to wait ( rent past due ) I call Chase main number and ask to speak to the escalation team. I am transferred, go through the same scenario, again ask if this is the escalation department. It's not, very reluctantly, after asking pointedly, I am transferred. - Informed because checking account was only created today tells me it will now take 4-5 days to move funds. NOT holding my breath that it actually happens. - Ask if I am able to call this department back directly. Tells me no. Given number that is the same Chase Deposit Review number who originally could not verify the check, and then once verified, continues to not release fund, and continues to tell me 2-3 more days, Not confident this will be resolved in anyway. Now I have to re-do all my online remote deposits to new account, yet I have no money to put in there to pay for anything. In addition to not paying rent, I've lost about 3.5 working days on my small business as I'm self employed. P.S. The banker who assisted me has been the ONLY positive customer support I've experienced up to this point. | ||||||
| 02/07/2020 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Bureau, Please find the document that we filed with the Office of The Comptroller of Currency on XX/XX/XXXX. We received a case number with that complaint. The OCC verbally informed us on today ( XX/XX/XXXX ) that our complaint was referred to CFPB ; however, the representative from CFPB had no records of our complaint ; therefore we are filing our complaint directly with CFPB. We are filing a complaint for discrimination based on Race and/or Color. We strongly believe Chase Bank violated our rights to credit, according to the protective - provisions provided in the Equal Credit Opportunity Act, which prohibits discrimination in any type of credit transaction, including applying for, or extending credit to small businesses based on race. Furthermore, Chase Bank has not presented us with a letter of declination or any reason for denying us credit. Our complaints stem from the lending laws that prohibit discrimination, disparate treatment and disparate impact under Tit le VII of the Civil Rights Act and in accordance with the Equal Credit Opportunity Act ( ECOA ). Facts & Timeline 1. XX/XX/XXXX we met with XXXX XXXX, she explained Chases process, we shared our information. She stated that we were good candidates to obtain a line of credit. 2. XX/XX/XXXX we emailed answers to all questions requested. 3. XX/XX/XXXX we spoke with XXXX XXXX XXXX, Small Business Specialist, by teleconference in the office of XXXX XXXX. 4. XX/XX/XXXX E-mail from XXXX to XXXX. Assumptions and Projections for 1st year. XXXX please see attached as these are templates and guidelines that may be helpful to breakdown the 1st year. 5. XX/XX/XXXX We e-mailed XXXX and XXXX fulfilling request for Assumptions and Projection for XXXX XXXX XXXX XXXX Profit and Loss statement 1st year-12 month forecast. 6. XX/XX/XXXX received e-mail from XXXX acknowledging that have received all financials sent and as discussed will now work on your credit request. 7. XX/XX/XXXX we provided physical address and utility bill request f2f in the Chase XXXX Branch 8. XX/XX/XXXX requested a utility bill with XXXX name on it recent ( within 30 days ) utility statement. And give physical address for the business too. 9. XX/XX/XXXX we dropped off utility bill to Chase XXXX XXXX, scanned copy to XXXX. 10. XX/XX/XXXX provided physical address and copy of utility bill via email. 11. XX/XX/XXXX we sent a copy of our apartment lease with XXXX name on it as proof she resides at our address to XXXX. XXXX. XX/XX/XXXX XXXX confirmed she received the utility bill request. XXXX. XX/XX/XXXX received e-mail from XXXX : Just being prepared in-case they come back and ask for a utility bill specifically in XXXX name with your current address. 14. XX/XX/XXXX Met in XXXX office, we had concerns about the decline, XXXX arranges to meet with XXXX ( supervisor ). 15. XX/XX/XXXX we request letter of declination from Chase. 16. XX/XX/XXXX Mrs. XXXX XXXX receives an email from XXXX, You declined using real estate as collateral for request which Dr. XXXX and yourself did not want the response for lending guidelines for that discussion was explained. there is no policies to be provided for your request which is a Business Line of Credit. The letter of decline is sent by our credit department via US Postal mail to customers. It can take up to 10 days for you to receive it. 17. XX/XX/XXXX we met with XXXX, Dr. XXXX XXXX provided Remote Worker Requirement, XXXX XXXX XXXX. 18. XX/XX/XXXX received e-mail from XXXX thanking and confirming information request provided. 19. XX/XX/XXXX another request for letter of decline & Chase policy and practice on letters of declination. 20. We received Voice mail left by XXXX XXXX, stating that she is calling from Chase Executive Office, and she will be conducting an investigation as Chase takes our complaint very seriously. 21. XX/XX/XXXX we received letter from Chase Executive Office ( attached ) : We reviewed your concerns and our decision to deny your Line of Credit application remains unchanged. XXXX. XX/XX/XXXX XXXX sent email to XXXX after speaking to XXXX from Chase Executive office. We requested a copy of the declination letter for the business line of credit. In summary, we have been victims of discrimination by Chase Bank, and we still have not received our Letter of Declination. Relevant People XXXX XXXX Area Manager Chase XXXX XXXX XXXX XXXX VP Senior Specialty Finance Consultant Office XXXX XXXX XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Assistant VP Business Relationship Manager Business Banking Chase Bank XXXX XXXX XXXX XXXX XXXX | ||||||
| 05/04/2017 | Yes |
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Web | Older American |
| Reference existing complaint XXXX , submitted XXXX XXXX , XXXX specific to the merchant of Chase Bank mentioned below : Chase Bank allowed {$10000.00} charge to my credit card by a company known to run a scam/fraudulent business. Chase was made fully aware prior to our purchase by other card holders and has been notified since by other card holders who continue to be scammed by the XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX . Chase Bank contends that they only pay merchants as requested by the card holder and have no responsibility to determine the honesty of the merchants with which they do business. It is my contention that Chase Bank was fully aware of the fraudulent nature of this merchant when they approved the card purchase so should be responsible to reimburse me for the {$10000.00} charge. The scam was perpetrated almost two years ago with no resolution by the merchant or Chase Bank. ( Note : Another credit card bank, XXXX XXXX , has completely reimbursed me for the additional {$10000.00} they approved for this same merchant. ). Chase continues to refuse to acknowledge their responsibility in the fraudulent actions of XXXX XXXX . Chase continues to do business with this merchant as of today. The company name on the contract is ; XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX . My wife and I met with the XXXX XXXX folks in XXXX XXXX XXXX on XXXX XXXX , XXXX in an office next to the XXXX XXXX XXXX XXXX across from XXXX XXXX . The sales person was XXXX XXXX XXXX and her husband XXXX . The closer 's name is XXXX XXXX . My wife and purchased a 4 week residency contract for a pre-constructi ion 2 bedroom resort unit to be built on beach property directly behind the offices. They quoted the unit at {$120000.00} regular but discounted to {$59000.00} as a pre-construction special. They promised us {$38000.00} for our two bedroom XXXX lock-off which is a deeded unit at XXXX XXXX , XXXX , Florida. They desired to use our XXXX timeshare unit as a marketing incentive for other buyers. We negotiated the reduction of the remaining {$21000.00} down to {$19000.00} due to credit limits on our credit cards. We placed a total of {$19000.00} on two credit cards ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . XXXX contracted with a third party company to liquidate our timeshare ; XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , LA XXXX , phone : XXXX . The contract listed the buyer as ; XXXX XXXX . I have communicated several times with XXXX . XXXX XXXX XXXX , has told me on two occasions that a meeting with the? buyer? is scheduled. XXXX XXXX now states that the process normally takes from 120-180 days. XXXX offered the first t 100 buyers a no maintenance fee for life incentive and a {$2500.00} annual payment to be paid dire ctly to us for each unit should we decide to release them to the company for rental at the first of each year. That would be {$2500.00} x 4 we eks = {$10000.00} per year! We found the XXXX XXXX XXXX site to be a technical mess and poorly maintained. We found that it the website had been hastily created in XXXX XXXX . We found that the web links on the site do not work and passwords can? t be reset. I called XXXX XXXX XXXX customer service number provided on the website ; XXXX XXXX XXXX XXXX . The address given is XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , Maryland, XXXX . Once the female rep answered, I immediately heard music playing and children playing in the background. I mentioned this but she denied any children were present. She was unfriendly and unable to answer my web site navigation questions. We received XXXX Pesos and a free resort week for attending the presentation. We received an additional week for buying. We were given an additional contract to use at XXXX XXXX , XXXX property until the new property was to be completed in 18 months. We also received a signed two year 100 % money back guarantee. I requested return of our funds in writing to XXXX XXXX XXXX but have received no response as of XXXX XXXX . I submitted a formal request to XXXX XXXX on XXXX XXXX to exercise our money back guarantee. I have received no response since. The fraud was completed two years ago as of XXXX XXXX . I have received absolutely nothing as promised by XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX XXXX in the past two years. Chase Bank refuses to reimburse the fraudulent charges as of XXXX / XXXX / XXXX . | ||||||
| 03/17/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX I wrote a check ( # XXXX ) in the amount of {$1900.00} to XXXX XXXX from my business checking account and dropped it in the mailbox located at the XXXX XXXX on XXXX XXXX XXXX XXXX, NY. On XX/XX/XXXX I discovered that the aforementioned check cleared and the payee and amount had been altered. The payee was changed to XXXX XXXX XXXX and the new amount was {$7900.00} ( they changed my " XXXX '' to a " XXXX '' the number and the word one ). The white out they used was grossly evident ( especially on the word nine, the addition of the " XXXX they squeezed in as well the lines at the top of the boxes under the word have a few spots missing from the white out ). On XX/XX/XXXX I went to my local Chase branch to report the fraudulent activity that took place on my account and spoke with a Customer Service Rep by the name of XXXX. XXXX contacted the Chase Customer Claims Department, we explained to them the details of what took place. Chase Customer Claims Department told us both that they would mail me a declaration to sign and return and that I would be reimbursed within 90 days. I received the declaration in the mail, I completed and signed the document and sent it back Priority Mail on XX/XX/XXXX. Upon tracking the package, it was confirmed that Chase received on XX/XX/XXXX. On XX/XX/XXXX I called Chase to inquire about the status of my claim and I spoke with a gentleman by the name of XXXX. XXXX XXXX asked me for the tracking number. After giving him the number he said that they would send me a letter regarding the matter. A letter was never received. On XX/XX/XXXX I called again to inquire about the status and spoke with someone by the name of XXXX. XXXX XXXX stated that he did not understand why it was taking so long to process my case. He also confirmed at that time that my declaration that was required of me was received on XX/XX/XXXX, but they did not open the file for final approval. He stated that they would follow up about final release within the next 30 days. On XX/XX/XXXX I visited my local branch and spoke again with XXXX to voice my concerns about the banks failure to resolve the matter and reimburse my account within the 90 days as promised. She contact the Loss Claims office in XXXX XXXX, Tx and spoke with someone by name of XXXX who confusingly stated that my package was never received. I read her my record of contact with their office to include informing her that on XX/XX/XXXX I spoke with XXXX who confirmed receipt of said package. She then requested that I sign a new declaration and give it to XXXX ( which I did ). She stated that by doing this again it would speed the process up to be resolved within a few days. On XX/XX/XXXX I revisited my local branch to inquire of the delay and spoke with XXXX who seemed to understand my concerns. XXXX contacted the Loss Claims again and they stated they were waiting for the new declaration that XXXX insisted that I signed ( that would speed up the process to a few days, which proved to be false ). At that point I had to convince XXXX that the original package was sent and received on XX/XX/XXXX and was confirmed received by XXXX. XXXX then challenge their statement in saying they never received it. They then told XXXX that they did receive it and that they were waiting on XXXXk XXXX XXXX ( who cashed the check ) to reimburse Chase before they would compensate me. I asked what happens if XXXX XXXXXXXX XXXX doesn't reimburse them? XXXX said Chase would then reimburse me. Since that meeting I have received a letter from Chase appearing to shift blame to XXXX XXXXXXXX XXXX stating that they are awaiting on the claim with them to be resolve before I am reimbursed. To date I have yet to be reimbursed nor have I heard from Chase concerning this matter therefore I am filing this complaint because it appears that Chase has been giving me the run around from the beginning and they don't appear to be any closer to resolving this matter. This loss has been detrimental to my business especially in light of covid and having already being affected by loss in rent ( due to tenants failure to pay ). I am hopeful that you can help bring a swift resolve to the matter as Chase has been very neglectful from the start to with accepting said check. I have had this business account with Chase for about 33 years therefore it would seem that the fact that I never write checks this high in my 33 years history would raise a red flag which in-turn should cause them to do their due diligence by contacting me to confirm that the check was not fraudulent. I don't know who the worse scammers are between the person who took and altered my check or Chase. | ||||||
| 05/20/2022 | Yes |
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Web | Older American |
| On XXXX XXXX at approximately XXXX hours I phoned Chase bank and reported my Chase Debit Card stolen. The bank representative told me what the last charge was which I confirmed to her was authorized by myself a few minutes earlier at the XXXX XXXX. She stated she was cancelling the card and they would send me a new one in a few days. The next morning, XX/XX/XXXX I pulled up my Chase bank account via my laptop and noted there was a XXXX XXXX dollar cash withdrawal on XX/XX/XXXX, which I had never authorized or conducted. This was a Sunday so I knew it had to be done via an ATM. I immediately called Chase bank to ask how this possible as I had closed the account and was told that it appeared to be happening at the same time I was calling them to report the stolen card. ( The Chase bank is in the same shopping center as the XXXX XXXX I was shopping in ). I opened up a claim and on XX/XX/XXXX I received an on-line letter from Chase informing me that they were crediting me back the XXXX XXXX dollars while the claim was being investigated. On XXXX XXXX I received another letter informing me that my claim was denied as it was either authorized or the transaction was processed according to the information I provided. I called back immediately on XX/XX/XXXX to question why it was denied. I was told there was no record of me calling them on XX/XX/XXXX and also I needed to have a police report of the incident. At that time they would reopen the claim. On XX/XX/XXXX I drove to the XXXX XXXX XXXX XXXX XXXX Department and filed a report on what had transpired on XXXX XXXX. As I was a former Deputy Sheriff I knew I had been the victim of a " pigeon drop ''. On the morning in question myself and a friend had stopped at XXXX so I could purchase a few items. I used the self check-out and we walked back to her car. As I approached the passenger side door to enter there was a woman blocking the way who was bending down. She stood up as I attempted to open the door and she said to me " look, I found some money ''. At this time I noticed there was another woman standing directly behind me. As I was holding my wallet in my hand the woman behind me said " Your wallet is out. Open it and see if it is yours ''. Like an XXXX I did and had that time the woman behind me kind of bumped me and I turned around for a second. When I turned back the woman who was holding the money said " Oh, it is mine ''. They both then left the area. I got in my friend 's car and she asked if I gave them money as she only saw the one woman holding the cash. I said no, and we drove out of the parking lot. Approximately XXXX minutes later I opened my wallet and immediately saw that my Chase debit card was missing. I told my friend to go back as either the woman had stolen it or I inadvertently left it in XXXX. After I learned I had not left it at the check stand I immediately called the bank. After receiving a copy of the police report on XX/XX/XXXX, I went to my local Chase branch located in XXXX and had the teller fax the police report and an email I had received on XXXX XXXX from Chase verifying I had reported my card stolen at XXXX hours ( this was to prove to them I had indeed called on XXXX XXXX even though they stated they had no record of it ). I called Chase on XX/XX/XXXX to find out the disposition of my re-opened claim. The Chase representative said she had no record of it being re-opened. I explained how I had sent in the documents as requested and had been told the claim would then be re-opened. After a few minutes she stated she had found the documents that had been faxed but the claim was not reopened as I needed to tell them I wanted it re-opened. I told her that since the documents were faxed and nobody told me I needed to call again I NATURALLY assumed it would have been done. On XX/XX/XXXX I called to find out the status of my claim and was told by the representative that it was denied. Needless to say I was very frustrated and upset as this person could give me no reason why, with the exception of the fact that my PINN # was used. I have a friend who works for the FBI and I being a former Deputy Sheriff know that these women could have been behind me while I checked out, used a card reader or some other technology to get my PIN #. This is also a frequently used scam. When I asked to speak to a supervisor I was dissuaded by the representative by him telling me numerous times that nothing could be done. Only after I stated that I was not going to hang up did he tell me a supervisor would speak with me but the wait would be at least XXXX minutes. I eventually hung up and decided to file a complaint here. | ||||||
| 09/25/2022 | Yes |
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| I initiated a consolidation loan transfer to my Chase Freedom card on XX/XX/2022. XXXX XXXX XXXXXXXX Bank sent a payment of {$3200.00} on XX/XX/2022 and this applied to my card. I noticed that the amount had not been applied to pay of the cash advance, but instead paid on the 0 % interest items. I call the card CSR to ask why on XX/XX/2022, and the rep said that because the billing overlap it was not a final transaction yet so the money did not apply. I asked to have this corrected, and they informed me that they would have to reverse and reapply to cover this advance, but since it was through a bill pay I would have to wait 7-10 days for a check to issue for the refund. Since there was still a payment due, I asked the rep to leave {$1000.00} applied to the payment and reverse {$2000.00} and I will reapply it once I receive it. They reversed the transaction back dated to XX/XX/XXXX, and applied the {$1000.00} payment and refunded the {$2000.00} on XX/XX/XXXX. I called on XX/XX/XXXX to inquire when the refund would be made and was told that it had been refunded to issuer. I asked for transaction information and was informed that they had sent a letter regarding this issue. I called again 7 days later to ask about the letter and was told they would resend it, but the CSR informed me that the refund would be coming by check. I called back a few days later, since the 7-10 business days had come and gone and was told that it would be issued by then but may take a few days to arrive. I waited until XX/XX/XXXX to call Chase again regarding the transaction and was then informed that it had been refunded to the bill pay service. I asked for a transaction number or account it was issued to, so I could follow up with XXXX XXXX on why the payment was not applied back to my loan. The rep informed me that there was not a transaction number for the refund or account and I asked how they can return the money without this information. I was told again that a letter regarding the transaction was coming. I followed up with XXXX XXXX XX/XX/XXXX and they had no record of a return transaction. I called Chase back to ask for the information and was told again that they would resend the letter. I checked every other day for the rest of the week. I stopped at the local branch on XX/XX/XXXX to see if they could assist with getting the letter printed since it had not arrived. We were able to view the letter in the secure mail of my account and the letter did not address anything regarding the {$2000.00} and {$1000.00} transaction, only that they had reversed the {$3000.00} payment. There was no transaction information listed. The branch rep called into card services for me and we tried to inquiry about getting a transaction number since I did not see one attached to the account online. We were told that there was not a transaction number listed and I inquired why there is nothing relating to the {$2000.00} return on the account and why there was no transaction number to track. They asked me to contact the issuing bank to search for the {$2000.00} return. I contacted XXXX XXXX Bank directly to ask if there was a way to trace this transaction. The bank informed me that they do not have access to loan accounts from XXXX XXXX directly and could not trace any transaction without a reference number to confirm it was sent/received. I have sent a dispute letter to XXXX XXXX and Chase regarding this and have asked to track the transaction. The issue was " escalated '' by Chase but no resolution still. I asked them to trace/track/cancel the transaction and was told that it was to far back to do this. So, basically due to the banks repeated false information, lack of tracking, inability to provide me with the letter that would have brought this to light for me in a timely manner, I now am still out {$2000.00}. I have issued and full payment to XXXX XXXX to pay my loan off and asked what would happen if the funds came after the account closed. XXXX XXXX said they would send them back to the returner. I AM BASICALLY WAITING IN LIMBO FOR THESE TWO BANKS TO SORT THIS OUT. I have asked them to contact to do this and they refuse. I tried to connect a rep of each bank on a conference call and XXXX XXXX said that they could not do this. I have given XXXX XXXX permission to discuss this with Chase and they then asked me to conference call with card services for Chase. I informed the Lending club rep that I attempted that a few days prior, and was told that XXXX XXXX would not discuss account information with a 3rd party even if I was on the line and gave permission. This XXXX XXXX rep informed me that this was incorrect. | ||||||
| 12/27/2018 | Yes |
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| I lost my person debit card in XX/XX/2018. I called and cancelled this card letting XXXX know that I lost my card and was told I would get another card within 5-7 business days. I never received my debit card after asking for it multiple times. I called again multiple times and finally the last time I called was at the end of XX/XX/XXXX to receive my card. I was told since it had been so long I would also receive a new PIN number for this card as my other PIN had expired. At this time I also updated my address as Chase had my old address on file even though I contacted them about my new address over a year before. On XX/XX/XXXX, I received notifications while I was at work stating that my card was being used at multiple locations ; 3 locations and 3 charges, 1.XXXX XXXX for the amount of {$810.00}, 2. ATM withdrawal for {$1000.00}, 3.XXXX for the amount of {$710.00}. I never received a card and was at work and called Chase immediately to notify them of this fraud. I was told that, that card would be cancelled and I let them know I never received a card and that it couldn't possibly be me. They was assured that I had no Liability as I never received the Debit Card. My account was credited the amounts that were charged within a week. I finally received my card but no PIN had arrived. I tried my old PIN but it didn't work so I went to a local Chase branch and changed it there. About a month afterwards I received notification from Chase that these charges were not Fraud and they would be taking the money from my account. I called immediately to talk to the claims team as I was told I was not allowed to talk to the investigations team that was investigating my claim. I talked to multiple staff on the claims team and was told Chase did not believe it was Fraud as they used that card that was sent to me with a PIN. They also stated that its not a red flag because they used it within 100 miles of my address. They also stated that PIN was being used for over 6 months, and that they didn't try multiple PINs, they also stated that they never sent me a new PIN for that card. It was because of these answers that they told me multiple times that didn't have any liability with these claims and that I would have to contact the merchant. I even talked with claims supervisor and got the same answers. Then I went to a local Chase Branch to talk with someone in person since the Claims team were of no help and wouldn't even hear me out. I talked with a Chase Private Client associate at the XXXX, Indiana Branch by the name of XXXX XXXX. He looked at the charges in awe as they were surely fraud. He talked to me about multiple red flags as I've never shopped in these locations or at these stores. I never received my card after multiple attempts, and he stated that according to his records that they did send a PIN with that card. He called Chase Claims directly while I waited. He told them about the red flags and talked to them about how far those locations are from me. Those locations are over and hour from my address. XXXX even talked to the Claims Supervisor and after telling her all of this information she said she would take it to the highest authority. XXXX also submitted a formal complaint about this as the Investigations team did not look at everything or they didn't have all of the information. XXXX also stated that since there was an address change it was possible that they had sent it to the wrong location and was stolen that way. He told us that the Supervisor stated we would hear back within 1-2 business days after looking at all of the new information. I called Chase back again after not hearing anything about my claims. I talked to the chase Claims team again and asked for a supervisor. I talked to a man named XXXX. He told me that the " back office '' will not open the investigation or even look at this, even though they had a Chase associate state and believe this is Fraud from a mile away, yet none of those Red Flags came up to them. Even after finding this information that the Investigations teams didn't have they said that they couldn't do anything because of the " back office ''. I asked to speak with the " back office '' since they were impeding this investigation but was told I wasn't allowed to. So here I am trying to find help because a big bank wants to steal hard earned money from its clients. I talked to XXXX but cant verifiy which store this happened at since Chase cant even tell me. I also talked to XXXX XXXX to no avail since a Debit card was used they said they couldn't do anything. The ATM withdrawal I do not know who owns the ATM as chase cant verify that information with me. | ||||||
| 10/22/2017 | Yes |
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| I bank with Chase. My account has been breached from within the Chase banking system and nearly XXXX has been stolen. Chase has not returned the funds to my account. I have XXXX different institutes who have been paid through unauthorized transactions. They are XXXX XXXX XXXX, and XXXX. Immediately, I 've filed a police report and a federal trade commissions report. This is a saving account. Statements do not come through the mail. The account number has not been shared with anyone. It is strictly an online account which has never been used accept to transfer money to and from my Chase checking account. No other person could have had access to this account without the system being tampered with. I 've filed a complaint on XXXX XXXX about the stolen funds. I went into my local chase bank and sat with my personal banker. At this time, she contacted a division of chase called global securities and also the fraud department and gave them all of the details. As of today XXXX XXXX they have n't had any of the funds returned to my account. According to XXXX sources, Chase is well aware of this breach and has been withholding information from their consumers which would have prompted me to monitor my account and eliminated the majority of these transactions. My calls are rarely returned from Chase Executive office. When they are returned, it as been to let me know that Chase is waiting on the other institutes to return the money. According to all XXXX of the businesses XXXX XXXX, XXXX and XXXX XXXX Chase has not attempted to reverse the funds. XXXX has mentioned to me, that over {XXXX} is sitting in a fraudulent account made in my name and they are waiting for Chase to initialize the reversal of these funds back into my Chase account. According to XXXX, Chase has not provided the tracking numbers and they are unable to track where this purchase was made. According to XXXXXXXX, Chase has not initialized a reversal on the funds that were made from the fraudulent paypal account attached to my saving account. The XXXX representative suggested that I drive to the Chase Executive office in XXXX and speak with a manger because nothing is being done to fix this situation. After complaining over and over again ( mostly on voicemail because many calls are not answered or returned ) about Chases lack of cooperation, I did get to speak with XXXX my Chase executive representative on XXXX XXXX XXXX. She said that they have finally gotten all of the necessary paperwork to XXXX and the funds would be returned on Monday, XXXX XXXX or the latest XXXX XXXX. This did n't happen. On XXXX XXXX, I 've left another message letting XXXX know that paypal is suggesting that I drive to the Houston Chase office and speak to her supervisor. That message prompted XXXX to return my call. She 's informed me that she called each business personally and XXXX was working on returning funds the following day, XXXX XXXX. ( I have not verified this with XXXX nor did I get the funds returned as of today XXXX XXXX, XXXX XXXX. She also said that XXXX was preparing to return the funds and that she has also been in touch with XXXX. She says she is personally calling each business and that she has finally gotten her XXXX and global securities involved. Ive let her know that global securities is the first division that I 'd spoken with and they had referred me to her. She was supposed to call me with more updates XXXX XXXX, the following day along with the money being returned from XXXX. I have n't heard from her since. The only thing that I have done wrong is trust Chase with my money. I have not in any way, shape or form exposed this account number to any other person. With the fact that this is coming from within Chase ' system, I truly can not understand why they have n't returned the money into my account. I have explained to them that the week before, my uninsured business was XXXX XXXX destroyed by XXXX XXXX. I 've had XXXX feet of water inside of my new business which left me with a large debt and without a job. My home was also damaged and gutted up to the windows. I have roof damage and the water is still leaking in my home. I do n't have flood insurance and my regular insurance is n't covering the damage. Its a time in my life when I need Chase to be fair and just and cover their mistake. When I get my life pieced back together and I have a free moment, I will remove my money from Chase. This is the second time that Chase has made a major mistake and has cost me huge amounts of time and money. More accurate details of conversations with Chase, dates and times can be provided upon request. Thank you | ||||||
| 08/22/2021 | Yes |
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| Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Account Ending In : XXXX To whom it may concern, On XX/XX/2021 I submitted a complaint to the CFPB about XXXX XXXX, XXXX. who is a debt collector that Chase Bank sold an alleged debt to that they said I owe in the sum of {$1400.00}. XXXX XXXX, XXXX. responded back on XX/XX/2021 stating as quoted XXXX is no longer serving your account. We notified our client of your request for validation. Any documents in support of this debt were or will be mailed to you directly by our client. I then received a letter in the mail the same day XX/XX/2021 from Chase stating as quoted We will stop contacting you about this account by phone and mail. I then made another complaint with XXXX XXXX, XXXX. on XX/XX/2021 stating that Chase has provided the proper validation documentation. Chase then sent me another letter stating as quoted We sent the account documents you requested. I then received a envelop in the mail from Chase that was supposed to be documents validating the alleged debt and what they sent me VALIDATES NOTHING. Pursuant to FDCPA 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As a consumer, I never have Chase prior consent to communicate with me about this alleged debt. Pursuant to FDCPA 15 USC 1692c ( b ) Chase communicated with a 3rd party to sell the alleged debt and gave them my name and location information without my consent which is an invasion of privacy. Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. When I requested for validation of debt Chase could not proved the proper documents as stated by federal law according to 15 USC 1692g. Pursuant to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I did not give Chase Bank AUTHORITY to use my credit card which is my social security card and pursuant to 15 USC 1601 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit nor did I benefit from the unauthorized use. Theyve contacted me numerous times regarding the alleged debt, sold the debt to a third party and gave them my location information, and reported the account as a charge off on my credit record to the credit reporting agencies without my consent which is negatively impacting my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) which should be excluded from a consumer credit report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Chase as violated multiple laws and I demand for this account to be deleted from all credit reporting agencies immediately and expect to be compensated for damages pursuant to FDCPA 15 USC 1692k. I have attached the invoice along with all documents supporting my claim. If this account is not deleted from all credit reporting agencies and Im not compensated for damages I will be forced to take legal action. | ||||||
| 08/04/2020 | Yes |
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| On XX/XX/XXXX, I went to my local Chase branch after hours to deposit some cash in their ATMs. I made a deposit at XXXX, but the ATM ate {$1000.00} and spit out an error message receipt that referred me to call Chase customer service. I really needed the cash in my account, so I went to another ATM at the same branch and deposited another {$1000.00} at XXXX. The same thing happened with this transaction. I wanted to go into the bank and resolve this issue, but it was closed, so I immediately called the number on the receipts instead. They told me that their claims department was not open at the time and told me to call again the next day. I called in the next day, XX/XX/XXXX, and had filed two separate claims for the two separate transactions. I thought that had been the end of my issues. The following day, XX/XX/XXXX, I had received temporary credit of {$1000.00} in my bank account. On XX/XX/XXXX, they sent me a statement regarding the temporary credit and said theyre investigating the claim. However, I was wondering about the second claim I had made, so I called the claims department and they just told me to wait a couple of business days for the claims to go through. On XX/XX/XXXX, I received a statement saying the second claim had been denied. I called the claims department to question why, and they said that the system had thought the second claim was a duplicate of the first, which is why it was denied. The claims department representative reopened the case for me, and told me I wouldnt be getting any credit for the money until the case has been closed. Over time, I made calls to the claims department to get updates on my claim because I needed frequent updates about what was going on. On XX/XX/XXXX, I made a call to the claims department. They told me that my reopened case was denied again after another investigation. My issues with this is that : 1 ) I had never received a statement that the claim was reopened at all. 2 ) I also did not receive a statement saying the claim was declined again. So, if I had not been calling the claims department regularly, I wouldnt have gotten the updates. They told me that my only course of action would be to contact a bank representative from my local branch, which I proceeded to do next. The branch representative I talked to told me that the ATMs located outside of their building were hosted by a third party, and they dont do audits for those machines. She wasnt sure why the claims department even referred me to the branch in the first place because it was the claims departments job to investigate. However, she was very helpful in the case. She contacted the claims department for me, and the claims department then proceeded to ask for a copy of the error receipts that the ATMs printed out for me. On XX/XX/XXXX, I went into the bank myself and had my bank representative make copies of the receipts and fax it over to the claims department. After hearing nothing for a while, the bank representative called me on XX/XX/XXXX to tell me that the claim is still being denied because they had found no overage in that specific ATM. She told me that that was all they could do at the branch level, but she put me on the queue for the claims escalation team. On XX/XX/XXXX, I heard from the escalation team. The representative told me that the team who audits the ATMs, again, found no overage from that specific ATM. She told me that they had audited the ATM on XX/XX/XXXX ( which I had no idea about ) and found no money. I asked her if there was any further action I could take. She said no since the investigation had already taken place. I asked her for the evidence provided by the claims department about the case, and she said she wasnt allowed to forward any documents. She told me that I would have to contact my branch for the documents. I just called the branch representative I was previously working with for the case. Shes not in right now, so Im going to wait for her to continue the issue. At this point, it feels like theyre sending me in circles trying to chase after the money that the ATM ate. It feels like a hopeless case, but {$1000.00} is a lot to me, and I would really just like it back. I have a lot of questions about the legitimacy of their investigations. Why didnt they update me about their progress of the investigation? Wouldnt they be able to see I deposited money in the ATM through their security cameras? How did the ATM audit reveal a balanced amount of money if I received an error receipt from the ATM after depositing money? There would have to be some sort of imbalance or else I wouldnt have gotten the receipt at all. | ||||||
| 04/04/2022 | Yes |
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| Dear Sir or Madam, On XX/XX/2022 I contacted Chase Banks claims department regarding several XXXX charges ( for issues that I had been unable to resolve with the merchant, XXXX, via email their only noted means of communication on their app ). These specific items that I had purchased thru the XXXX app were in a different condition than they were described as being ( not new with tags, etc ) or were damaged/had stains, etc.and again, I had emailed XXXX numerous times ( as instructed thru the app ) and never received a response. Chase provided a temporary credit for the charges while the claim was being investigated. On XX/XX/XXXX, I received a letter online from Chase that the temporary credit of {$110.00} for the XXXX XXXX charges listed below, would be removed from my account XXXX {$46.00} XXXX {$17.00} XXXX {$30.00} XXXX {$25.00} Since the letter failed to give details why the claim was denied after told by the CSR to return the items to Chase ( paying for postage myself ), I contacted Chase on XX/XX/XXXX to ask why the claim was denied. After going thru the complete phone verification and being put on hold for 10 minutes, I was then disconnected ( ie. hung up on by the Claims department ). After waiting to receive a call back that never came, I called Chase Claims a second time approximately 10 minutes later and went thru the complete phone verification a second timeand was put on hold, again. After holding for approximately 20 more minutes ( during which there was no hold music and I could hear background noise ), I began to say hello, hello. At that point, the claims rep came back on on the line and said the claim was denied, they were unable to recover funds and I will have to contact the merchant myself to try to get the funds back. I asked the CSR to please explain why and they repeated the same thing. I explained to them, again, that I had already tried to resolve the issue directly with XXXX and was unable to. Again, I explained to the claims rep that the defective merchandise had already been returned to the XXXX XXXX office under tracking # XXXX as recommended by the previous Claims rep on XXXX XXXX.and that I had still had not received a response from XXXX. The CSR simply kept repeating their initial statement, that they couldnt help me ( at this point the lack of empathy by this individual is hard to even comprehend by someone like myself ). Finally, I politely requested to speak to a supervisor since I did not feel like this person could help me or even wanted to help. This individual merely repeated the same statement that they couldnt help me and I would have to contact XXXX I politely repeated my request and the individual I was speaking with again refused to allow me speak to a supervisor, even after I asked them politely 4 times?! I have attached a screenshot of all 4 XXXX orders with the items on the order as well as photos of the damages on the items for your review~~~Additionally there have been other minor issues including my account being charged multiple non-Chase ATM fees by Chase and the alternate bank even though the chase ATM across the street was out of order ( this was reported to Chase and they credited back {$2.00} of the {$11.00} in fees I was charged ). Finally, Ive had several issues with overdraft charges even though I have informed Chase on 4 separate occasions that I do NOT want overdraft protection. Each time they have charged me an additional {$34.00} to process the charge against my repeated request. The biggest issue is the XXXX claim and the initial reason for my complaint. The fact that a company as large as Chase that supposedly values their customers and stands behind them when there is an issue such as this, would allow their claims representatives to behave in such a manner is reprehensible. So much so that I have ultimately made the decision to close my account this week if this remains unresolved. My family and I work much too hard for our money for it to be as disposable as the claims department seems to feel and I can only hope that other financial institutions will feel differently. I will be mailing in the written request today for the account closure. If any additional information, etc is needed regarding my complaint, Chase or the CFPB can easily contact me via email at XXXX or my cell at XXXX ( since Im in the process of moving and do not have an updated mailing address ). I truly hope that my complaint can bring to light somewhat easily resolvable issues that may have been going undetected by management or the corporate office. Thank you in advance for your help with this matter. Sincerely, A Concerned Chase Customer | ||||||
| 11/02/2021 | Yes |
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| I am a Chase bank customer who has a checking account with a debit card. My husband made a deposit on the day of XX/XX/2021. My husband who is XXXX years old did not look at the deposit slip before putting it in his pocket. I came home from work at about XXXX XXXX and requested to see the deposit slip. The reason because we had not gotten a statement from chase with in the last 6months. I notice the balance on the deposit slip was wrong and we were missing a substantial amount of money.. I immediately called Chase with my husband alongside me. I explained the situation to chase that we should have well over {$40000.00} in the account and that someone was stealing from us in the bank. The call was made on XX/XX/XXXX at XXXX XXXX. The chase personelle look up the account and said he did not think is is happening in the bank. He asked me and my husband if we had our debit card. we both said yes. He asked my husband if he uses his debit card. My husband said yes but not to remove that much money. He uses it to pay internet and satellite bill which are small bills. He proceeded to ask when did I last you my card. I then said i havent use my card in a long time. and i don't travel with it. He said where is your card. I said i have my card with me. He said your debit card has been breech. I said how can that be when I dont use my card and it is here at home. I called out the last 4 digits of my card.. I said to him are you saying that someone another card using in my name. He asked me if i wanted to cancel my card and i told him yes. I also asked him if they sent another card out to me without my permission in the mail and somebody got a hold of it. He asked me if I needed another debit card and I told him no.. i just could not believe what was happening. He told me to call back in the morning and file a report.. I was not able to call in the morning or go to the bank because i had to go to work with my day starting at XXXX working 12 hr shift as a XXXX which some times end in 13 or 14 hrs and sometimes only 30 mins lunch break. mainly in the afternoon around XXXX XXXX. I could not fit a phone complaint in that time. I had my husband go to the bank and explain ed the situation to the manager who then called the chase fraud dept and told them I would not be making a complaint until the monday XX/XX/XXXX which is my off day. The bank manager pulled up statements for my husband dating back to XXXX. I looked at the statements that night and notice Charges in XXXX XXXX and XXXX and pending for XXXX. that I did not recognized the XXXX charges and so I file my report with chase on XX/XX/XXXX and letting them know I did not make the XXXX charges along with the other months. They said they were going to investigate it and return my money to the account.I called chase fraud department on another day just to make sure they are disputing all the charges. I also file an FTC report and a police report. I started doing my own charges starting with the XXXX charges. I saw purchases for sod and I saw a XXXX XXXX payment. The XXXX XXXX payments were made after the sod payments.. XXXX XXXX told me the XXXX dollars payment was for my homeowners insurance. I actually taught my husband had use cash to pay but he had use my card. and the sod purchases was made by him. He had forgotten he had use the card while waiting for he new card to come in the mail because his was expired. That leave XXXX, XXXX and early XXXX that neither of us made. I began calling merchants and going to the busineses. They wre notified of the fraud that was committed with my debit card info. I went to a furniture store which ALMOST {$5000.00} worth of furniture was purchase with my card. I talk with the merchants who said chase has not contacted them and they would not be returning the money to my account and I should take it up with my financial institution. The have video of the person making these purchases out of my account. The XXXX police have the video and the person in their custody. The Detective on the case his requesting chase to call them but chase refuse to make that call communicating that to me on phone. They aslo said they close out my case on XX/XX/XXXX and that I am responsible for momitoring my account and that they don't think the chip on the card was cloned. They are basically implying that I made those purchases. I have a police report and i have the detective name and bank statements of charges that i will be sending by XXXX along with a copy of my work time card. i HAVE LOT {$8200.00} FROM MY ACCOUNT. Chase has been very rude to me. My last contact with them was on XX/XX/2021. The CHASE CLAIM NUMBER IS XXXX | ||||||
| 10/05/2022 | Yes |
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| This is a VERY brief discussion. My e-mails give a fuller picture. Everything has been by e-mail. I have submitted a complaint on XXXX XXXX and Chase to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and XX/XX/XXXX, respectively. I incorporate by reference my FTC complaints. This is a VERY brief discussion. I ordered from XXXX XXXX ( XXXX ). XXXX restricted my ability to return despite the items being returnable per XXXX return policy. According to XXXX 's website, I should have been able to log into my account, access my orders and press a button to begin the return. However, no such buttons appeared. In other words, XXXX restricted my ability to return despite the items being returnable per XXXX 's return policy. In fact, after reviewing my records, I have evidence indicating XXXX restricted my ability to return from essentially the time I ordered ( A.K.A. premeditation ). On XX/XX/XXXX ( still within the return period ), I e-mailed XXXX CEO and General Counsel ( among others ) about the situation and said " I want to return all of the products ... Kindly immediately forward [ return label/return authorization ]. '' I WAS IGNORED. See my FTC complaint dated XX/XX/XXXX on XXXX ( which exposes, among other things, XXXX criminal conduct ( including premeditation, etc. ), etc. ). I incorporate by reference my FTC complaint dated XX/XX/XXXX on XXXX. On XX/XX/XXXX, I submitted to Chase ( via email ) disputes for 2 transactions on my credit card account ( I placed 1 order with XXXX but it appears the order was broken down into 2 separate charges ). BOTH TRANSACTIONS WERE DISPUTED AT THE SAME TIME AND FOR THE SAME REASON. Chase began by stalling, etc. and pretending I didnt have an account with Chase XXXX calling me XXXX XXXX XXXX XXXX notice detail of Chases lie, etc., down to XXXX ) despite my name clearly written ( XXXX XXXX XXXX, etc. I have asked Chase to explain the above and, to date, Chase has refused. Once Chase could no longer play XXXX about my account ( because I gave evidence of my account ), Chase continued stalling/ignoring me, etc. Almost a month after my XX/XX/XXXX email submitting my dispute ( and after my 6 followup, etc. emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) ), Chase sent me an unsigned, no name 2 page letter ( via XXXX ) stating We are not able to assist you with your disputebecause the charges are past time frame to dispute. Chases XX/XX/XXXX letter states : Our policy for the dispute time limit is as follows considering filing of the dispute is not more than 118 days from one of following : Transaction processing date Date customer received or expected to receive merchandise or services Can not exceed 538 days from transaction processing date The following are the applicable dates to the dispute : XX/XX/XXXX One disputed transaction processed on my credit card XX/XX/XXXX The other disputed transaction processed on my credit card XXXX Merchandise for XX/XX/XXXX transaction delivered XXXX Merchandise for XX/XX/XXXX transaction delivered Doing simple math, the following are the number of days from the above events to my XX/XX/XXXX email submitting my dispute : 110 days from XX/XX/XXXX 108 days from XX/XX/XXXX 107 days from XXXX 103 days from XXXX ALL 4 DATES ARE WITHIN CHASES XXXX & XXXX DEADLINES. Chase knew : I had an account, I had the right to dispute, I WAS WELL WITHIN THE TIME LIMIT TO DISPUTE, etc., etc., etc. Yet Chase kept fraudulently, etc. stalling, etc. for A MONTH so it could pass the closest deadline ( 118 days ( WHICH I TIMELY MET ) ). Once the 118day mark past, Chase THEN responded to my dispute and informed me the dispute deadline had past. As anyone could see, CHASE COMMITTED FRAUD, ETC. Chase also retaliated. For example, I went to pay my card, MY BANK ACCOUNT INFORMATION ( NEEDED TO PAY MY CARD ) WAS WIPED OUT. My e-mails to Chase repeatedly ask Chase to immediately credit the {$4500.00} I am owed. Since Chases XX/XX/XXXX letter, I have sent 9 emails spanning 10 MONTHS ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ). My last e-mail to Chases CEO, General, and Board of Directors ( dated XXXX ) noted : If this matter is not immediately resolved and my account permanently credited for the {$4500.00} I am owed, I will be contacting the authorities, XXXX, etc. beginning with submitting a complaint to the Federal Trade Commission ( FTC ). To date, my account hasnt been credited nor have I received a response. Basically, Chase is protecting, etc. XXXX XXXX. THE ONLY FORMS OF COMMUNICATIONS WITH CHASE, HD, ETC. HAVE BEEN VIA EMAIL. | ||||||
| 07/07/2022 | Yes |
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| On XX/XX/XXXX, I did a mobile deposit through the app for the amount of XXXX it was a Federal Tax refund check, that my friend XXXX XXXX XXXX asked me to deposit into my account for her since she has her wallet stolen back in XXXX and have been unable to cash her check due to no ID and no funds at the moment to pay for a replacement ID, after a couple days of thinking about it I called her and told her I will help her and deposit the check in to my account so she came over and signed her check over to me. We both Signed the check and I uploaded it in to my checking account on the XXXX of XXXX. When the check was originally deposited I received notice that it could take 2-3 days to clear but typically deposits post next buissness day. On the next buissness day the funds where deposited in to my account with out any issues, or so it appeared with the clearing of the check and deposit Chase Bank THEN PULLED the funds out of my account and placed a second hold on the funds till XX/XX/XXXX with this second hold I was confused by so I proceeded to call the bank the transfered me to another department and I spoke with someone who said the where going to call XXXX just to verify that she approves of this Which she obviously did since she signed the check over to me. So they proceeded to call a number that they said they had for her which the phone what turned off at the time of that call I was told I could call back later and they would try again all they needed was confirmation that she approves the deposit, which I told them was fine and told them I will call back. Later. I spoke with XXXX she came over we called the bank together and then explained what happened and then was told to go to a local branch with her ID Well if she had her ID card she would have just cashed her check her self and also their are no branches here in XXXX Kansas that are close. XXXX asked since their isn't a bank branch close to us if we may take pictures of some for of identification a phone bill or photo copy of her ID that she has and maybe upload via email to them. And they said no go to a branch. We once again explained she didn't have a hard copy of her ID card because of her wallet being stolen and that could be done we both then asked what if we took the photo copy picture she has of her ID to a Branch would that work cause the closest Chase Bank Branch is about 2 hours away from us so we would gladly take the drive there and show the paper copy of her ID to a representative at the Bank if they would accept that then once again we where denied. The hold has remained on my account and now my account is about to close with in 7 to 10 business days and was told MY Funds THAT ARE MINE BY ALL ACCOUNTS OF THE LAW once it was legally signed over to me the check No longer belongs to XXXX XXXX XXXX that check Now Belongs to me and the check was placed in to my bank account. Never in all my years have I had an issue like this before I myself have signed checks over to friends and family over the years to cash for me or to deposit for me even my tax refund check. I have been incarcerated and had people deposit check that where mine in to their accounts with out me even being able to sign it over them. From XXXX to XXXX I myself didn't have a hard copy of my ID card and never had a problem doing a third party check. I mean if you look at the pictures I provided chase Bank has no problem to use these funds to pay a negative balance in my account but won't let me access them. Well then they shouldn't be allowed to use them to pay off the negative balance that hit my account due to someone writing me a.check for my services that I didn't know the account was closed I did a job and was handed a.check and now the person who gave me that check won't answer my calls so the check that came back gave me = XXXX balance for fees but chase HAD NO PROBABLY TAKING THAT {$12.00} OUT OF MY FUNDS THAT THEY SAY I CAN'T USE ALL they did by using the deposit funds from that check to pay off a balance owed to them was show that the funds that's are in my account and available aren't good enough for me to use but good enough for them to use to pay a fee that I OWE THEM FOR MY ACCOUNT. IF THEY DON'T SEE THE FUNDS AS MINE THEN WHY ARE THEY USING THE MONEY TO PAY THEM SELFS cause they feel they are untouchable the feel they can door what they want. All I get is a.sorry XXXX we close ur account n put the fund in an account till XXXX brings her ID if it passes this day but Chase can take the funds to pay MY DEBT TO them. All I see is that they legally acknowledge the FUNDS AS MY FUNDS once they used them to pay them selfs on my behalf | ||||||
| 11/11/2021 | Yes |
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| My name is XXXX XXXX, I had a bank account with JP Morgan Chase Bank. I needed a bank account after I was in a car accident and my car was totaled, the insurance company was going to deposit funds faster if I had a bank account so I opened an account with chase after my mom suggested Chase as being a good bank. My mom started a XXXX XXXX XXXX on XX/XX/2021 with me and my brother, I was responsible in setting payment process for our customers so I went to XXXX XXXX and they set us with XXXX product to start accepting customers payment. My mom who also banks with chase was not with me so I set my bank account which I had with Chase with XXXX and that afternoon my mom opened her XXXX XXXX and we started accepting payments from our customers through XXXX. My mom went to Chase 2x to open business an account but they send her away saying it will take about 2hours to open a business account and to come back and the 2nd time they told her to start the process online and then come to Chase. My mom got too busy and didnt get another chance to go to Chase to open a business account and we kept my account on XXXX and continued accepting payments from our customers. My moms vehicle broke down and she needed a new vehicle so she had set up an appointment on XX/XX/XXXX to meet with a person at XXXX to purchase their vehicle for her business so XXXX XX/XX/XXXX My mom, dad and I went to Chase to withdraw {$10.00} XXXX for my mom to purchase the vehicle. Thats when Chase informed us that my account was going to be froze due to fraudulent activity that occurred on XX/XX/XXXX. They informed us that my account was being investigated and no money was available at the moment and to come back next day. So next day we went to Chase in XXXX XXXX branch, the manager and another representative went over my account and informed me that there was going to be a transfer of money from a bank called XXXX into my account on XX/XX/XXXX for {$1500.00} but Chase stopped that deposit because it was fraudulent. The manager verified the money in my account as being all legitimate money through XXXX deposits from my moms business. He told us he is working to get the funds released but he said Chase will close the account. Next day the manger called me and told me to talk to a person named XXXX who was investigating my account at XXXX bank and if she verified to them that it was a mistake than they will make my funds available to me. They also gave me a phone number to contact XXXX at XXXX XXXX, I called that number over XXXX times and still was not able to get in touch with a XXXX instead XXXX representatives were not sure why they would have control over someone elses bank account at a different bank. XXXX XXXX till today is telling us they do not know who XXXX is and cant control another persons bank account with a different bank. I have been given several different dates where Chase confirmed that the check was made and send out. They said they will hold the money to make sure no other transactions came through. They closed my account no other deposits or withdrawals can be made to the account, I cant even check the funds. The amount they are holding is over {$16000.00}. I have called them almost everyday and everyday they give me a different story. They have lied to me that they have send the check out to my address and after waiting almost a week I called them and they are still holding my money and have not released anything to us. My mom had to get a rental to use for her business. My mom had to contact a attorney who is charging a lot of money just to get money that belongs to us back. I offered to file a police report to prove to Chase that I was a victim of a scam to help the process but Chase told me not to file a police report. My mom is struggling because of Chase holding all her money from her business, she was not able to pay people, pay for her spot she is renting to run her XXXX XXXX, she was not able to buy products to run her business. We are going through a difficult time because of Chase. At this point we do not know what else to do but to file a complaint against Chase. We have showed them all the deposits from XXXX transaction are from customers who purchased food from my moms XXXX XXXX, we have showed them the business license and business registration. We have done everything to prove that all the money is legitimate and Chase confirmed with us that they verified all the money but still are holding money that does not belong to Chase Bank. This has caused us physical emotional and financial difficulties. It has affected us financially badly and caused my moms mental stress and breakdown. | ||||||
| 11/16/2022 | Yes |
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| Upon balancing my account on XXXX, I noticed check # XXXX that I had written for {$500.00} to the XXXX as a wedding present was only paid out in the amount of {$5.00}. I immediately called Chase Bank about the error. They were not able to tell me if the XXXX received {$5.00} or the correct amount of {$500.00} and told me to contact the XXXX XXXXo find out. Upon contacting them, I found that they had only been paid out {$5.00} to their account. I called Chase back and was told that they would transfer the remaining {$490.00} owed to the XXXX and that the XXXX should have that money in their account in XXXX hours. On XXXX, {$490.00} was deducted from my account. On XXXX, I again reached out to the XXXX to see if they had received the {$490.00} and was told that they had not. So I again made a call to Chase bank and was transferred to claims/disputes. After several transfers, I was finally connected to a supervisor named XXXX in Claims. She contacted the Claims Department for Checks and was told that the money had not yet transferred to the XXXX as I had been promised and would not be transferred for another day or XXXX. Having been told XXXX false dates regarding this transfer, I asked if we could stop this transfer from happening so that I could take care of this on my own using a different means of payment to the wedding couple. I was already humiliated that I had had to bother the newly married couple about my gift XXXX times asking them to research this deposit. The supervisor XXXX talked to the Claims ( check ) person again and was told we could stop the transfer to the XXXX. I asked for proof of this transfer stop payment and was given # XXXX. I was told the {$490.00} would be back in my account in XXXX hours. On XXXX, I noticed the {$490.00} was not back in my account as promised and called Chase Claims again ( XXXX. ) I spent XXXX XXXX hours on the phone with Claims being disconnected twice, put on hold indefinitely, and transferred. I spoke with XXXX, Supervisor XXXX who hung up on me, XXXX, XXXX who hung up and XXXX ( a supervisor I was incorrectly transferred to who was in retail. ) On XXXX after being frustrated with the misinformation and disconnections, I called the branch where I opened my checking account in XXXX Ohio and XXXX with XXXX. She started a XXXX way conversation with a supervisor in Claims/Disputes for checks, named XXXX. XXXX said the money was in the XXXX account and that the transfer was not stopped as I had been told. She said she would start an escalation to reverse this and return the money to my account. XXXX said she would talk to her XXXX to start an additional escalation through their branch escalations and get back to me. Not hearing back from XXXX, I called the XXXX XXXX XXXX XXXX on XXXX. She told me to give it XXXX more days and I would for sure here from someone regarding these escalations. On XXXX after still hearing nothing, I called back to the XXXX Ohio XXXX and spoke to XXXX. She told me she was even frustrated with this. She also blamed me for not having Private Banking which she assured me that it would have all been handled better. I also was told it was my fault for even investigating the error and that I should have waited for the recipient of my {$500.00} check to notice they were not paid the proper amount. On XXXX, I again reached out to the XXXX for the third time and learned that the {$490.00} was still not in their account despite being told by multiple Chase employees that it was there. On XX/XX/14, I called Claims/Checks again and was connected to a supervisor in Chase Claims escalation named XXXX told her the {$490.00} deducted from my account was missing and not in the XXXX account as I was told. She told me there was nothing more they would do. I asked for some type of proof that the money had been transferred to the XXXX Bank so that the XXXX could call their bank and look for this misplaced money. She said she would not do that .How and why would the bank not be able to show me proof that this money they took from me was actually transferred as they said. I asked to speak with her supervisor and she hung up on me. When I contacted the XXXX XXXX, she said she would not do anything more to help and I need to talk to Claims. Throughout all of these conversations and escalations, I kept asking for something in writing such as an email to confirm what they had told me, but they said that is not their policy. I was told wrong information by Chase employees on phone calls multiple times which has resulted in me losing {$490.00}. Despite advising me incorrectly over 3 times, they will take no financial responsibility. | ||||||
| 01/04/2022 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Chase XXXX XXXX XXXX XXXX Attn : Fraud/Recovery unit XXXX XXXX XXXX XXXX, DE. XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX Dear Fraud Recovery unit : I am writing to Chase and copying this to the federal Consumer Financial Protection Bureau to dispute a charge of {$6100.00} made on my Chase XXXX XXXX XXXX on XXXX XXXX, XXXX. The charge is in error because I NEVER made it. A replacement card your company sent me via the U.S. mail apparently was stolen and used to make the fraudulent charge to the XXXX XXXX department store. I never saw the card and still have no idea what was purchased or how it was done. I am requesting the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Attached are copies of supporting phone and text records. Also included is new information from XXXX XXXX - garnered at the prompting of your representatives- showing I have never had a financial relationship with the store. Please correct the error on my account promptly. Since this is my first communication with the Consumer Protection Financial Bureau on this matter, I want to provide a thorough recounting. But first a question for Chase representatives : What in my background or in my relationship with your company has convinced you that I'm a thief and a liar? I am a XXXX XXXX XXXX XXXX. I have never been accused of a crime and never sued anyone or been sued. I have a credit score of XXXX, according to your bank, and a pristine payment history with your company. I pay my credit card bills on time and usually in full. My wife, a newspaper reporter, makes a good living. We have substantial savings in our 401-k accounts and two pensions. We soon will pay off our mortgage. We don't need to steal anything. Still, your company says I woke up the morning of XXXX XXXX, XXXX and decided to make a {$6100.00} charge and then lie about it repeatedly, including, I suppose, with this letter. It's just absurd. Frightening, actually. This mess actually began on XXXX XXXX, two weeks before the XXXX XXXX charge. On that day your company sent me a text asking if I had attempted to make a XXXX purchase at a place called XXXX. ( Screen shot enclosed. ) I responded " no, '' the account was closed and a replacement card sent out via U.S. Mail. This was the card used to make the XXXX XXXX charge. I never received it. Instead, on XXXX XXXX, I got a text message and an email from Chase asking if a {$6100.00} charge was mine. I thought I pressed the " no '' button in response, as I had done two weeks earlier. But a Chase customer service rep eventually told me that I had made a mistake and hit the wrong button. I do have issues with spatial comprehension, so it's certainly possible I hit the wrong button. But should an honest mistake merit a {$6000.00} penalty? Especially given the actions I took in the hours immediately after? The screen shots of the records below show Chase representatives and I exchanged five text messages and four phone calls in the 2 1/2 hours after I apparently hit the wrong button. I clearly indicated this was not my charge, as evidenced by a XXXX p.m. email from the company saying it would research the charge and send me yet another replacement card, this one via UPS. Unfortunately, Chase did not choose to use this more secure method of delivery after the first fraud attempt. If it had, none of this would have happened. Chase has significant culpability here. I'll put this in simple terms : If Chase has anything other than my mistaken response to the initial text message to support its claim that I'm a thief, I challenge the company to produce it. I assume Chase records its calls. Put up or shut up. Two other items worth noting : In XXXX, I paid Chase a total of {$20000.00} to cover my spending on the card. I have paid another {$28000.00} so far this year. Is this the profile of a credit card thief? At the suggestion of a Chase customer service representative, I contacted XXXX XXXX. A store representative there confirmed their system has no record of my name, address, email or phone number ( see copy of live chat below ). I have never even stepped foot in a XXXX XXXX. So far, I have resisted the urge to take this fiasco to social media. As a longtime newspaper editor, I'm quite familiar with its uses and potential impact, and believe what is happening to me is a cautionary tale that deserves wider exposure. But I'm still hoping you'll do the right thing. Sincerely, XXXX XXXX | ||||||
| 02/15/2023 | Yes |
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| My account with Chase Bank, it was fraudulently, attacked by hackers or scammers. The bank was looking into it, and was supposed to help me fix this problem, and denied my case twice. I have tried getting my money back, giving them information so they could see where the scammers sent and did with the money. They have sent my money, they have sent it to my XXXX XXXX and taking it out themselves, so I could not get it back out. Some of these charges were sent to a XXXX account which I have never opened a XXXX account I dont even know how to use a XXXX account. I am on XXXX I get a check once a month I need every dime that I have. I am fighting for the money that was taken out from this fraud scam. I have given them information that this money was sent to. I dont know if they dont understand that my account was hit by fraud. I have had my identity stolen and they had every information about me. I have never given anyone authority to go into my account and steal my money. Every time I had a deposit made they took my money. I dont know how they do it, but it was done with my information that I had identity theft. I told the bank what had happened and about the XXXX XXXX information they told me they could not do anything about the XXXX XXXX because it was a third-party. So I open the keys so they can see what was taken out of my account, and they were supposed to be investigating it. Instead they decided to reverse money into my bank account from XXXX XXXX and then turned around and reversed it back to XXXX XXXX. This has made XXXX XXXX put me on a violation where I can not get any information anymore from them. I explain this to Chase Bank and I think they are responsible now for refunding me the money that they have messed up from the XXXX XXXX. I was working on this myself since they stated they can not deal with XXXX XXXX and gave no one authority to go into, my XXXX XXXX account. I gave them the information that they needed plus when they went into my XXXX XXXX account and took money. They were taking money that they didnt even need to take. So this messed up everything into my XXXX XXXX plus I guess my case. I have been to the bank. Explain this information. Seems like no one can help me. So I contacted the XXXX office and they connected me with a XXXX person to handle my problem which was never handled. It was just closed. I didnt know what else to do, because I have written them several times and sent them the information that I had. I dont know the reason they went into my XXXX XXXX to begin with to reverse money back-and-forth and dont know why they just didnt keep the money into my account, instead of reversing it back. As far as the hackers going back into my account, I had put special security, so no one can take out money from my account except for me with a special code. They have closed XXXX accounts and gave me at least XXXX new debit cards. I dont know how these hackers kept getting my information. I know when it first started it started through XXXX. They hacked my information from them. Started when I first called XXXX. I was transferred to the Limitation department to get information that I needed for some help. When they connected me, the person asked me all the information that they normally ask when you calling to XXXX. Then they tried to start asking me information that they shouldve had in the computer if they were actually XXXX employees I did not give them any information. I knew something was wrong because I can hear things in the background and other people, asking questions and saying they were from XXXX. They must have hacked into XXXX computer system install all my information that was in XXXX. I have spoken to XXXX. They did not give me an answer of how this could have happened so this is how it all started. Somehow they followed me or found me, when I change banks. All I am trying to do is get my money back that was stolen and chase bank will not help me. Especially after they have messed up my account by doing something that they shouldve never did so they are responsible for giving me my money back. No matter what I do for them to help me they tell me the case is closed, then, when I try writing to the person that was helping me in the XXXX office, I do not get return calls. The last call I have made to him I was told the case is close and they could not help me. So I feel that chase bank has stolen my money. What is the FDCA for if they can not send me my money back this is insurance protecting the bank and myself for deposits that were made and taken. I have called the FTC and they are the ones who told me to get in contact with CFPB. | ||||||
| 04/15/2020 | Yes |
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| XX/XX/XXXX To : Chase Credit Card Disputes and Fraud Case XXXX, Transaction and Detailed History ( there may be other calls to and from Chase that are not listed ) : On XX/XX/XXXX. I called around for insurance for my XXXX XXXX I am a XXXX XXXX that cleans boat hulls. This is an XXXX, XXXX, business. I needed this insurance in a timely manner for one of the local marinas, requested insurance. I spoke with a man identified as XXXX XXXX with XXXX XXXX XXXX. He said no problem, I have you covered. I was charged on XX/XX/XXXX, for {$440.00} to initiate the fraudulent policy. I was then charged for {$100.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I was notified via telephone by XXXX, the insurance underwriter, that I was a victim of fraud. I have the contact info for the Executive Vice President, Special Investigations Unit, XXXX. He is the one that called. 1. FRAUDULENT MERCHANT IS NOT LICENSED TO ACT AS AN INSURANCE BROKER IN THE STATE OF FLORIDA. XXXX XXXX LIED TO THE UNDERWRITER AND TO MYSELF, YOUR CLIENT. 2. FRAUDULENT MERCHANT LIED TO THE UNDERWRITER ABOUT THE BUSINESS I PROVIDED. 3. FRAUDULENT MERCHANT LIED TO ME IN REGARDS TO HIS CAPABILITIES, INCLUDING HIS ABILITY TO BROKER IN FLORIDA AND WHAT HE COULD COVER. 4. FRAUDULENT MERCHANT LIED IN REGARDS TO ACTUAL POLICY COST. 5. FRAUDULENT MERCHANT LIED AND PROVIDED THE INCORRECT EMAIL AND PHONE NUMBER TO XXXX SO THEY COULD NOT REACH ME. THE ENTIRE POLICY WAS CANCELLED BY THE UNDERWRITER ON XX/XX/XXXX. On XX/XX/XXXX, XXXX at XXXX XXXX, I called Chase and informed them of the dispute and asked Chase Credit Card Service to STOP PAYMENT. They assured me they would. Please listen to a transcript of that call. A dispute case was opened at that time. XX/XX/XXXX. Charged. On XX/XX/XXXX. I called the fraudulent merchant at XXXX XXXX at ( XXXX ) XXXX, I also tried ( XXXX ) XXXX at XXXX XXXX. NO ANSWER. LEFT MESSAGE IN REGARDS TO POLICY CANCELLATION. On XX/XX/XXXX, at XXXX XXXX, I called Chase and was on the line for 18 minutes. Please listen to a transcript of that call. I opened a dispute at this time. On XX/XX/XXXX, at XXXX XXXX, the fraudulent merchant ( Immediate Insurance Services XXXX XXXX ) called me back. At the time, I spoke directly with him and instructed him that his services were no longer needed and to CANCEL all recurring charges and the policy IMMEDIATELY, on no uncertain terms. He said he would fix things and I explicitly indicated that was NOT an option. He agreed. XX/XX/XXXX. Charged. I spoke to Chase again on XX/XX/XXXX, at XXXX EST. I called Chase and informed them of the dispute and asked Chase Credit Card Service to STOP PAYMENT again! XX/XX/XXXX. Sent requested documentation to Chase. XX/XX/XXXX. Charged again. I again called Chase. Informed by Chase that my documentation was not received, despite me getting an email through Chase that my documentation was received. Told me to go to the local branch and send it via fax. Faxed documentation on XX/XX/XXXX to XXXX and XXXX. WHY WAS I CHARGED THREE TIMES BY THIS MERCHANT DESPITE MY REPEATED CALLS TO CHASE?! Despite me initiating a dispute? I was not offered a new card option until XXXX. A big thank you to one of the Chase Representatives at my local branch. Why was this not offered earlier? XXXX, has filed an insurance fraud complaint on XXXX XXXX, XXXX XXXX XXXX, to the XXXX XXXX XXXX XXXX XXXX XXXX. A police report has been filed by my local police department. Additional information faxed by Chase Branch office on XX/XX/XXXX. I have grounds to dispute these charges in my favor for the following reasons : Charge Error A charge error is a transaction you recognize but appears to be incorrect, such as : A recurring transaction or trial subscription you canceled FRAUDULENT POLICY CANCELLED XX/XX/XXXX A product or service you never received or received late FRAUDULENT POLICY FOR SERVICES WAS NEVER RENDERED. A one-time purchase you returned or canceled, and you still havent received a credit SPOKE TO CHASE THREE TIMES TO STOP PAYMENT A charge higher than the amount on your receipt FRAUDULENT POLICY CHARGED WAS NOT AS SAME AS FRAUDULENT POLICY UNDERWRITTEN FOR A product or service you received and are dissatisfied with FRAUDULENT POLICY I have spent many hours working on this issue. I will be filing a complaint with the consumer protection financial bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) if Chase does not return my funds. I should also be entitled to compensation for the finance charges associated with these fraudulent charges. I appreciate your time and effort in looking into this matter. | ||||||
| 03/09/2018 | Yes |
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| I am filing another complaint against Chase for the way my home equity loan is being serviced. I entered into a repayment plan for my home equity loan on XX/XX/XXXX ( see attached ) and was to make an initial payment of {$6000.00} and monthly payments of {$970.00} thru XX/XX/XXXX and as the agreement states once this agreement has been completed the regular monthly payment going forward would be {$330.00} period. I completed the agreement as agreed and was making the {$330.00} payment and then started to get notices and multiple phone calls from Chase stating my account was past due and that my regular payment was not covering the amount due. I tried calling Chase but each call left me more frustrated then the previous as no one could properly tell me why, that is when I first filed a complaint with the CFPB on XXXX ( XXXX ) and as a result of that complaint I received a letter from Chase Executive office dated XX/XX/XXXX XXXX attached ) that stated that I was correct and I quote once the agreement was completed your account should have been current along with the monthly payment being {$330.00}, in addition they went on to say Based on our evaluation, we inadvertently did not bring your account current, after the evaluation we decided to reinstate the agreement and bring your account current At this point I thought my account was now in good standing and the terms of the agreement were back in place but I was wrong shortly after theXX/XX/XXXX letter I started to get phone calls and notices that I was late on my payment and had a past due amount at this point I contacted a lawyer who engaged Chase and we received a letter dated XX/XX/XXXXand this one stated we recently discovered that we miscalculated the repayment plan for your home equity account, which left your payments short when you finished your repayment period. To correct this, weve credited your account by the amount we didnt include in the calculation and corrected any late fees charged to your account because of this error. Again I thought we were back to a good standing and continued to make the scheduled payment of {$330.00} but once again I started to get the annoying phone calls that I was past due on the account and again each person who called had no information about any of previous dealings. I did receive a letter datedXX/XX/XXXX ( attached ) that attempted to explain the discrepancy on the payment stating that they didnt find any instances of misrepresentations or intentions to deceive or mislead which is absolutely untrue. Chase again referred back to the original agreement dated XX/XX/XXXX and apologized for any misunderstanding this may have caused, I didnt feel this was just a simple misunderstanding so I was forced to file another CFPB complaint on XX/XX/XXXX ( XXXX ) to seek help. Chase did respond with a letter dated XX/XX/XXXX reiterating the XX/XX/XXXX letter referring back to the original repayment agreement but not acknowledging the actual verbiage of that agreement that specifically states what that payment would be at the completion of the agreement. Nowhere in the original agreement or in the letter dated XX/XX/XXXXdoes it ever say anything about the payment being anything different than the {$330.00}, in fact the original agreement states quite clearly under section 1 of the agreement Validity of Loan Document all requirements of the note and Mortgage, Deed of Trust or other security agreement securing the loan dated XX/XX/XXXX remain in full force and effect EXCEPT as conveyed in this agreement and under the next section of the agreement titled Your Obligations ( b ) Monthly payments it specifically states Once this agreement has been completed, the regular monthly payment will be {$330.00}. To then say that was a misunderstanding is completely wrong and unfortunately feel it is the big bank against the little guy. And while I still dont agree with Chase assessment of the situation my biggest complaint now is that during this recent dispute Chase has reported the account late to the credit bureaus preventing me from pursuing a refinance of the loan and improving my financial situation. I have completed the original agreement as agreed and have never been late on the payments I assumed were accurate ever since. All other credit obligations are paid as agreed in fact my first mortgage is with Chase and I also have 2 additional credit cards with Chase all paid as agreed this reporting of the equity line is the only negative account on my reports and it is has lowered my credit score to a level that prevents me from refinancing. My request is to have Chase amend the negative reporting. | ||||||
| 02/24/2021 | Yes |
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| To Whom It May Concern : This is extremely hard to write, as I update my original affidavit I will attempt to include all of the details pertaining to the error made by Chase. XXXX XXXX texted me angered that my auto loan was debited to his account ( text conversations sent yesterday ). I do not have nor, have I ever had any information pertaining to any of his private and personal matters. I do not have nor, have I ever had access to his bank accounts or social security information. Shocked by the claim we both called chase. Again, in XXXX the auto loan debits again from XXXX account. We both call Chase which leads to them saying that the auto debit is impossible from one persons account to another. I immediately make a one-time transfer through my chase online auto loan banking account. I am the only one listed on the account and the only account that is active and listed in the drop down is XXXX XXXX XXXX. I also have an auto payment authorized through Chase on the online banking active and have never missed a payment in nearly 4 years. This means Chase took money unauthorized by XXXX for another customers loan payment. In order to authorize an auto-payment it has to be authorized and recorded through online banking. The customer service reps, tellers and branch manager all tell us that there is no record at all of any authorization for XXXX account to be charged. After not getting anywhere with the customer service agents we go to the branch closest to my house. We walked into the XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and didnt leave until XXXX. We sit and walk through the entire situation. The branch manager acknowledges that a bank error was made clearly but cant figure out how to determine what exactly took place. She then gets a customer service representative on the phone who also recognizes an error and immediately works to rectify several items. 1. The branch manager added me to XXXX account years ago as a beneficiary in the event that he dies. She said that she would remove me completely to see if she could see if the accounts were connected which she determined werent. 2. She erased all of my contact information and names as everything was incorrect on the banks end since the auto loan was approved. This has been an ongoing battle with Chase getting my legal name changed permanently, contact information and address. 3. Cancelled my auto-payment in the online banking. She re-added the correct account. I was asked to verify the change through her charging a {$1.00} from the XXXX XXXX XXXX account which I had to authorize through XXXX XXXX Bank. The {$1.00} transfer went through and we were assured by the branch manager that the issue with XXXX account would be escalated to ensure it was documented. Fast forward to XXXX when I get a notice that my credit score had plummeted over XXXX points due to Chase reporting without ever contacting me that the XXXX payment did not take place. I contacted by dad who works for XXXX and was the one who chose Chase bank and asked him for help. He got me in touch with an auto loan manager who insisted she escalalted the issue and that a letter would be written to the credit agencies to remove the error. I waited and waited for a call back from my calls to chase ... .. never got a call email or letter. The branch manager was informed by XXXX XXXX the head teller that there was a major issue and she told him she was very busy, booked out and unable to see me. XXXX decided to escalate this matter because he remembered when we came in previously and he was extremely apologetic and promised within days I would hear from someone ... ..nothing. I start to reach out to Chase social media outlets to get anyone to respond and help assist with the matter. My dad finds an executive members number XXXX XXXX. We played phone tag, after an extremely emotional 1.5 hour conversation XXXX asked XXXX and I to submit evidence to support the claim that an unfair error has completely destroyed my credit and I lost my pre- approval for the house I was in the process of purchasing. XXXX has been with the bank since 1974 and stayed with Chase after they purchased it. He and I have perfect payment histories and have been stellar bank customers This situation is disturbing for so many reasons and I am believing that the bank will make the necessary corrections to the credit reporting agencies. I was in the middle of making a huge business banking change from XXXX XXXX and XXXX XXXX to Chase. I am hesitant now even though Chase is the only bank in the area of my business expansion because of this horrific experience. XXXX XXXX XXXX | ||||||
| 02/07/2022 | Yes |
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| I received a text that appeared to be from Chase Bank Fraud Department asking if I had attempted a {$5000.00} XXXX transfer and to reply YES or NO if this was me. Before I was able to respond I got a call from a Chase number to follow up about this activity. The person on the other end was very cordial and identified themselves as a representative from chase 's fraud claims department. They then were able to verify my bank account and ID and proceeded to ask me about recent transactions across multiple bank accounts I have. Including my personal checking and business checking accounts. They went line by line asking if I had made a number of transactions. The only one that stood out as fraud was a {$5000.00} XXXX transfer that I wasn't able to see on my account. They said this was because it had been flagged as fraudulent and stopped before it could be processed. They then said we would need to dispute this charge with XXXX in order to prevent it from transferring out of my account. They then had me fill out a " dispute form '' with XXXX by creating a transaction with a very specific set of criteria including a dispute number, dispute ID with my name ( XXXX - which ended up being a fraudulent email address they created in my name ) as well as including the memo 'zelle dispute waiver '. Up until this point, everything had seemed pretty standard and normal. At this point though it felt as though this had crossed a line of being standard practice to something that seemed suspicious. I told them this didn't seem right to me and they assured me it was in fact the appropriate recourse. They assured me once again they were Chase by providing me a case reference number and advising me that the number they were calling from was the same phone number on the back of my chase card. I hesitated but unsure of what to do and convinced by them someone was trying to steal {$5000.00} dollars from me I processed the XXXX dispute which ended up being a payment transferring {$5000.00} to the email address they set up in my name ( XXXX ) They assured me they would make sure the charges were blocked and set up a follow-up call with me the next day at XXXX am. I was told to stay off my Chase account for 24-48 hrs to make sure my account could reset and we hung up. My instinct was that something weird had just happened so when I got off the call I googled " XXXX scam '' and the first article that came up reflected my experience. I immediately went directly to my chase branch to see if they could confirm my suspicions and stop the transaction before it was processed. I was told it was not chase 's fraud department that had called and they the dispute was, in fact, a XXXX transaction depositing {$5000.00} in the fraudsters account which they were unable to trace. Chase changed all my account information and filed a claim with their internal investigation team. I was told they would try to get the money back but if they couldn't get it back via zelle I would likely be out that {$5000.00} and to talk to my accountant about the loss. While I was at the Chase branch I also filled out a dispute form directly with XXXX on their website. I received a confirmation via their web portal but never heard anything from them regarding my claim or issue. At this point I filed a police report with the XXXX police department. The next day I received a call from the fraudsters. They said they were able to stop the first payment and that it would take a few days to be placed back in my account but that there were 3 other charges they had flagged as suspicious. That the 3 charges were each for $ 5K and that I would need to repeat the actions from yesterday to make sure those didn't post. I told them I wanted their Chase employee number. They told me they could not provide that. I said I wanted to speak with their manager. They said their manager would be calling and would provide their employee ID. I got a call while on the phone with them from the said number. They said it was their manager. At this point, I told them I knew they weren't chase. They attempted to reassure me that they were in fact Chase. I told them not to call anymore. The following week I received a letter from chase stating they had reviewed my case and that because my claim was for a scam and not fraud I would not be able to be reimbursed for the amount that was taken. Several days later I received a call from chase again saying my claim had been elevated because I filed a police report. I have not spoken to chase since this call but as it stands they have not offered me a reimbursement for the money that was stolen. | ||||||
| 05/24/2023 | Yes |
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| Amazon rewards by chase card was open in my name. After becoming aware of the account we paid the account and finally chase closed the account. We never signed up for this card. Chae closed the account due to idenity theft and kept all of the payments us made on an account that I didn't open but bc I didn't want my credit ruined i paid the account. I'm looking for a refund for all the monies paid on an closed due to idenity theft but is still charging my bank account and they have put this on my consumer report. If it's not idenity theft why did they choose the account. Why wasn't my money returned why are they still charging my bank account and his is this on my credit. Here 's my message to Chase Bank and Amazon rewards by chase bank card if the account did belong to me XX/XX/XXXXXXXX Dear Sir or Madam : It has come to my attention after reading a publication titled Modern Money Mechanics published by the Federal Reserve XXXX XXXX XXXXXXXX that this bank and other banks within the Federal Reserve System may be perpetrating a fraud on the American public. I have some questions which need to be answered before I continue to make payments on or use my Bank credit card. My account number is ( listed below ). The following are my questions : 1. Was an individual depositor 's money deposit used in order to pay the vendors when I made charges to my account? XXXX. Was the money that was loaned created by my signing of the voucher when I made the purchase? XXXX. Is it your Bank policy to create checkbook money in amounts equal to the charges made by Bank customers? XXXX. Does this Bank have on file a contract signed by me with a bona fide signature? XXXX. Will your Bank provide a copy of the journal entry that is made when I charge to my account? Please answer these questions within ten ( 1O ) days so that I am not late in making my payment. If I do not hear from you, I will assume that what I have learned is the truth and will, therefore, rescind my contract with your Bank, as I do not wish to be a party to fraudulent practices. Thanking you in advance for your cooperation, I look forward to your immediate response to this most disturbing revelation. My hope is that you can dispel my fears and refute this troubling circumstance in which we find ourselves. When applying for my credit card I was under the impression that the credit card company would be loaning me depositors money which it received from depositors or investors I found case law published by the Federal Reserve XXXX XXXX XXXXXXXX that the credit card company created money that I borrowed by using that's you generated computer interies to my account using the credit and to take creating money out of thin air. In none of my transactions did any officer or employee notify me that the bank creates money out of thin air by journal entry after discovering this Im prepared to proceed against your company for bank fraud. The banks transactions relating to me like are missing 2 essential components to make a valid contract. you should be aware of the following USC 32 section 24 paragraph 7 confers upon a bank the power to lend its money and not credit and XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( XXXX ) The court stated the provision referred to does not give power to a bank to guarantee the payment of obligations of others solely for their benefit and no such power incidental and the business of banking the banking and its own money not credit also see how would enforcer XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ; XXXX. XXXX ( XXXX ) The credit card company did not notify me that it created money by journal entry defined as bank credit to do so would have disclosed that there was no consideration from the bank or the credit card company to meet it has been shattered beyond controversy by the court that a National Bank under federal law being limited to its power and capacity can not lend its credit by guaranteeing the debt of another all such contracts and you're into by its officers or ultra VIRES and not binding upon the corporation. see merchants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) also see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) A lawful consideration must exist and be tendered to support the note if there is no full disclosure and there is no consideration then there is no contract. RETURN ALL MONIES PAID TO YOU CANCEL THESE CONTRACTS AND SIGNATURES AND REMOVE INFORMATION DEFAMING MY CHARACTER PLEASE AND THANK YOU VERY VERY MUCH Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 10/23/2022 | Yes |
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| 1 ) This is a follow-on complaint. Here is the original submission : " On XX/XX/2022, I booked a reservation for a hotel ( Trip ID # XXXX ) through the Chase Ultimate Rewards website. The reservation was for XXXX XXXX XXXX. I used a total of XXXX points to make this booking. Here are the specifications of the room, as confirmed by my booking confirmation receipt : " Room, 2 Queen Beds, Accessible ( Oceanfront View, Mobility Access Tub ) '' However, when I arrived at the hotel on XX/XX/XXXX, I was given the following room : " Room, 2 Queen Beds, Accessible ( Mobility Access Tub ) '' The room that I paid for was ADVERTISED as having an oceanfront view, but the room that I RECEIVED did not have an oceanfront view. This was false advertisement and I request a FULL REFUND of my points. Chase has been extremely difficult to deal with, and has not approved a refund for this trip even though they ACKNOWLEDGED that there was a system error between the Chase website and the XXXX third party database ( their third party company that listed this booking for them ). They offer me XXXX points as a consolation, but a {$75.00} apology does not equate to the value of an oceanfront view. I would not have booked this room to begin with, if I knew that I would not receive that oceanfront view. That was the entire reason why I wanted to go on this trip. It is extremely unfair to promise an oceanfront view in the booking and not deliver the view to me, the PAYING CUSTOMER. '' 2 ) Here was the response by Chase : " We reviewed your reservation and found there was a system issue at the time of booking that affected the room type booked. We attempted to provide options to upgrade the room and reimbursement when we spoke with you on XX/XX/2022. However, the call was disconnected and our attempt to call you back was unsuccessful. We also found the reservation was used and you did not request a refund or room upgrade at the time of check in. We respectfully decline your request for a full refund because the reservation was used. However, we added an additional XXXX points to your account as a courtesy for your experience. You can see them right now at chase.com or on your next billing statement. We sent you an email on XX/XX/2022, explaining our decision. We take these matters seriously and are sorry we didnt meet your expectations. We look forward to a continued business relationship, as well as providing you with the service that you expect. '' 3 ) Here are my additional comments explaining why I do not think this was a fair response and compensation by the company : As you can see above, chase made this statement : " We also found the reservation was used and you did not request a refund or room upgrade at the time of check in. '' This is absolutely false. Chase was extremely slow in its attempts to upgrade my room so that the booking would reflect what I actually paid for. Chase was unable to modify the booking before the day of my stay, and so they told me to just show up to the hotel on the day of the reservation ( I have voicemail proof of this ) and to be REST ASSURED in the fact that the hotel would honor the booking upgrade and that chase would pay the difference in the fee. Because of this, it had already passed the window of a full refund. I had no choice but to show up to the hotel and stay in the room ( which I would find out could not be upgraded on the day of ) because it was past the window of full refund. It is ultimately Chases fault that I stayed in a faulty room. Since they could not resolve the booking discrepancy in a timely manner, I had to either stay in the room or lose all XXXX of my points for the booking with no refund. I am dissatisfied with a partial refund of my points because I did not get what I paid for : an Oceanfront view room. Although they did credit me the XXXX points, is it only a partial refund. Why should I get a partial refund and be forced to pay for something that I never agreed to pay for? I paid XXXX ( estimated ) points for a booking that was different than what I received. If you can quantify the difference between the booking i paid for, and the booking I received, as only XXXX points : then you are saying that false advertisement can be alleviated by giving the customer only half of their money back instead of the entire portion. This is ridiculous, especially in light of the fact that Chase verbally agreed to upgrade the room and pay the difference, which at the time was estimated to be $ XXXX {$1000.00}. If they were ( allegedly ) willing to pay XXXX to fix their error, why are they only giving me back {$270.00} worth of points? | ||||||
| 04/01/2020 | Yes |
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| XX/XX/XXXX : Phone call to travel agency : " Traveler Help Desk '' to assist with purchase of ( 5 ) airline tickets. XX/XX/XXXX : After going back and forth, agency stated they could only locate tickets that cost well over {$5000.00}. Because I have a daily spending limit with J.P Morgan Chase of {$30000.00}, the company told me I needed to provide more than one card to split the payment in the event they could not find less expensive tickets that exceeded this amount.. On my own, I found a competitor who could issue the tickets at a lower rate of {$2600.00}. Traveler Help Desk agreed to price match and issued tickets for {$2600.00}. ( email confirmation of conversation advising of such agreement ) XX/XX/XXXX : Agency mistakenly charged both of my cards totaling {$5300.00}. I spoke to XXXX at the agency who advised the matter would be corrected. XX/XX/XXXX : Agency never reversed the incorrect charge which led me to call Chase to dispute the transaction. Claim submitted and temporary credit was issued by Chase XX/XX/XXXX : Letter received from Chase saying the temporary credit will be reversed due to documents received from merchant. XX/XX/XXXX : Called Traveler Help Desk who refused to assist me because I had an open dispute in their system. XX/XX/XXXX : Phone call to Chase who advised " Chase will no longer dispute this and you have to deal with the merchant on your own '' although I was still within my time frame to dispute due to Visa guidelines. XX/XX/XXXX : Spoke to supervisor XXXX in the claims department who advised this was my last day to dispute with Chase and I would need to go in to a Chase branch. Once there, request the teller email my documents to the claims department for review. XX/XX/XXXX : Called Traveler Help Desk and demanded to speak to a supervisor who also refused to assist me because I had an open dispute in their system. XX/XX/XXXX : Went to the branch and spoke to teller who advised there is no such process that allows them to email claim documents and referred me back to Chase Claims customer service. Extremely upset due to continued misinformation, I called and spoke to XXXX and explained the situation who agreed that no such process would allow a consumer go in to a branch and have documents emailed. Because ( according to XXXX, the supervisor ) XX/XX/XXXX was my last day to dispute, XXXX called the escalation department who also agreed I was misadvised and emailing documents was not a process that existed and I would have to " fight '' Chase to get this situated. XX/XX/XXXX : Emailed Traveler help Desk rep : XXXX asking for assistance who advised I would be contacted by their financial team. However, that never happened. XX/XX/XXXX : 2nd fax to Chase claims where I submitted the invoice from the merchant as well as the email communication confirming correct amount to be charged. XX/XX/XXXX : Spoke to Chase claims rep who confirmed receipt of fax sent on XX/XX/XXXX. She also educated me that I was still within my time frame to dispute with Visa who allows 120 days from date of transaction to dispute. XX/XX/XXXX : Because my account had been over drafted {$2600.00}, I contacted the recovery department ( XXXX ) to set up arrangements that would prevent Chase from debited funds from my secondary account. This was done to allow Chase time to resolve this issue. Spoke with rep : XXXX ( XXXX ) who was the worst representative I have ever spoken to! After explaining the reason for the call she caught me off every chance she got, told me that I didn't know what I was talking about. I then requested her supervisor, XXXX ( XXXX ) and asked that the phone call be reviewed due to improper call handling. Ultimately, he was able to set the arrangement on the account to allow Chase claims time to continue the dispute process. XX/XX/XXXX : Called Chase claims and spoke with XXXX who advised to allow 3-5 business days for outcome since fax was not attached to claim until XX/XX/XXXX ( COVID-19 impact ). She also advised she would send me the documents that Chase received from the travel company. XX/XX/XXXX : Letter received from Chase saying the SAME thing, that no further action would be taken. Chase has failed numerous time to resolve this matter. After Chase received this fictitious document from the company alleging the charge was valid, representatives at Chase still advised to submit the invoice and any other documents. I have done this 3 times and received NO ASSISTANCE. I am now in financial shambles because of this and have been impacted by COVID-19. THIS NEEDS TO BE RESOLVED and assistance is needed. | ||||||
| 12/08/2022 | Yes |
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| XXXX XXXX were notified by one of our vendors that they did not receive a check for payment in the amount of {$1100.00}. Upon sending the vendor proof of payment from Chase billpay showing that the check was cashed, the vendor notified us that they did not receive the check, did not cash the check and the endorsement did not match their endorsement ( it was just a squiggly line ). I notified Chase bill pay that the check was fraudulently cashed. They opened a claim and gave a provisional credit. XXXX XXXXVisited a Chase branch and talked with our personal banker. He could not determine the paying bank and said it looked fishy. He could not get any information from Chase processing about the processing of the check except that it was through a clearing house. He also said that Chase should have never paid that check with the endorsement that was on the check. XXXX XXXXReversed the credit and deemed the check was properly cashed. I was informed by Chase that they did this since I did not turn the Declaration of Unauthorized Endorsement in within 10 days. I was still waiting on the payee to complete their part of the declaration. I was advised that once I faxed that in, the case would be reopened. XXXX XXXXFaxed the Declaration of Unauthorized Endorsement to Chase through a XXXX store XXXX The XXXX store gave confirmation that the fax was received. XXXX XXXXCalled to get update on this claim ( and put another claim for 2 more stolen checks ) and was informed that they never received the paperwork and I would need to refile the claim. It would take another 60-90 days. I was also told to take the paperwork into a branch and have them fax it from there. I was on vacation at this time, so I informed them I would do it when I got back home. XXXX XXXXEmailed our personal banker paperwork to file the claim. XXXX XXXXClaim was reopened by Chase. XXXX XXXXClaim was filed with XXXX XXXX XXXXXXXX ( did not receive this information until XXXX ) XXXX XXXX-Requested update-Personal banker updated that they were still working on the claim. XXXX XXXXRequested update-Personal banker undated that they were still working on the claim and it could take up to 90-120 days. XXXX XXXXContacted Chase customer service for an update. They informed me that case was active, but could not give me any more information on the the claim. I asked about the transaction and the other bank, but they told me they could not give me any information about their investigation. XXXX XXXXRequested update-Personal banker undated that they were still working on the claim and it could take up to 90-120 days. XXXX XXXXRequested update-Personal banker updated that they were waiting on the paying bank to respond to the claim and they had up to 120 days to respond. XXXX XXXXCalled Chase Claims department to get update on claim since it was past 120 days. I was informed that they were still waiting on the other bank to respond that nothing could be done until the other bank responded and there was no time frame to expect them to respond. They were not going to do anything until they received the money from the other bank. I was told it could be 6 months or more. The case was escalated and was told to expect an update within 1-2 business days. XXXX XXXX-Received a letter from Chase that they put a claim in on my behalf with the paying bank and were waiting on their response. It was the other bank 's responsibility to pay the claim. I could call Chase and get an update and the paying banks name if I wanted to contact them directly. This is the first written update I reaceive from them since XX/XX/27 XXXX XXXX called Chase to get the update and the name of the bank. I was again told that Chase was going to do nothing because my claim was with XXXX XXXX XXXXXXXX who paid the check. My options were told to wait until they responded or call XXXX XXXX XXXXXXXX directly. XXXX XXXX called XXXX XXXX XXXXXXXX and was told that I needed the claim number that XXXX XXXX XXXXXXXX provided Chase in order to look up the claim. Since we are not a XXXX XXXX XXXX customer they had no way to look up the information without a claim number. XXXX XXXX Called Chase to get the claim number provided by XXXX XXXX XXXX XXXX They were finally able to give me Chase 's claim number, but not XXXX XXXX XXXXXXXX 's claim number. I was told that the customer service team did not have access to that information and only the investigative team has access to that information. I was told that there was no one that is able to get that information from the investigative team and they do not interact with the public. | ||||||
| 04/26/2018 | Yes |
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| Complaint # 1 re dispute of charges on Chase Slate credit card : I have a Chase Slate card. I've tried to dispute charges from XXXX ( I'm submitting a separate complaint regarding XXXX - text is below as well ) with Slate and Slate refuses to accept my dispute for anything over 90 days old. Specifically, their website does not allow one to select charges over 90 days for the purposes of dispute. When I sent them a free form message stating I was disputing older charges, I received a call from someone who promised that I'd get a document in the mail to facilitate that complaint ( even though the person was not encouraging regarding Slate 's willingness to accept the dispute ). What arrived in the mail was an XX/XX/XXXX letter stating Slate had " resolved '' my dispute. They state they contact XXXX. It says XXXX is not willing to credit my account and that the charges are too old for XXXX to be obligated to credit my account. It does not state whether anyone has determined whether the charges were actually valid - only that they are too old and there is no way for the charges to continue to be considered disputed on my account. I believe it is contrary to the FCRA for Slate to arbitrarily implement an internal policy refusing to maintain accept disputes over 90 days old. The disputes for the charges less than 90 days have yet to be resolved. Oddly, tone charge just over 90 days old was " blocked '' for a short period of time before being denied.I got this card to take advantage of the 0 % balance on balance transfers until XXXX ( it's now XXXX ) in order to finance a few big purchases and have not been monitoring the bills as closely for that reason. I think the primary issues here are whether Chase Slate is offering it's customer adequate ability to dispute and whether it is properly processing and resolving disputes. Complaint # 2 regarding XXXX Credit Report monthly charges of {$24.00} : My data was exposed in the XXXX breach. Rather than waive my rights to hold XXXX accountable by checking my credit with XXXX, I chose to check my credit with XXXX. I intended ONLY to get my free credit check and the screens I was on indicated " free ''. ( In fact, once I realized this problem and cancelled my account, the url for cancelling has the word " free '' in it. ) I don't remember providing my credit card info account to XXXX. ( I must have done so thinking that I did not need to opt out at a later date to cancel the charges. Had I understood that was the case, I would have been sure to calendar the need to go back and opt of the free service. ) Instead, my credit card was charged {$21.00} in XXXX and {$24.00} every month after that until I stopped the charges for the month beginning XXXX. It's unclear to me what the justification for the price increase would have been even if I did sign up for the service. This is a bill for access to their credit monitoring service. If they disclosed that would be the case, I'm doubtful that it was clear and/or clear whether I was required to opt out at the end of some period of time. ( I don't have screenshots, of course, but I'm a practicing attorney, I read fine print, and I would have understand any clear information on their site I believe. ) THE XXXX SERVICE OF {$21.00} DOLLARS PER MONTH FOR CREDIT MONITORING HAS NO VALUE FOR ME WHEN THERE ARE FREE CREDIT REPORTS AVAILABLE. I have been charged {$21.00} per month for roughly 9 months. I've written XXXX a free form email to complain and dispute the charges and have received no response from XXXX. ( I don't recall finding a mechanism on their site to dispute charges from XXXX as opposed to a creditor on my XXXX credit report. ) I've also disputed all these charges with my credit card company, Chase Slate. ( See Complaint 1 ) My dispute was denied for my charges over 90 days old and the more recent charges remain in dispute while, oddly, the charge just over 90 days old was " blocked '' for a short period of time before being denied. I'm unsure what that meant exactly. MY CONCLUSION : XXXX IS EXPLOITING THE PUBLIC TO PROFIT FROM THE XXXX BREACH. I think the primary issues here are whether XXXX is misleading the public on it's free credit report site regarding opt out and charges and whether XXXX is responsive to consumers disputing charges from XXXX itself ( as opposed to a creditor on my XXXX credit report. ) I hope the CFPB will closely examine the practices of both Chase Slate and XXXX. I'm ( clearly ) unhappy with my experience as a consumer, but I'm also disturbed by the practices of these two companies for what I view as unreasonable and unfair practices. | ||||||
| 01/06/2023 | Yes |
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| Case # XXXX Regarding : Wire transfer for {$25000.00} on XXXX was a complete scam. XXXX of Events : XXXX XXXX pm Receive a text : XXXX Chase Bank : Are you attempting to make a transfer for the amount {$2000.00}? Yes, No or help? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Thank you for confirmation. A representative will be contacting you shortly. XXXX ID # XXXX Immediately following the text, I received a phone call from the above number XXXX. The person identified himself as XXXX XXXX XXXX. He provided his name ( XXXX ), Badge XXXX He then provided the last XXXX digits of my social security number, checking accounts and balance. He had this information already. He knew my ending balance as of XXXX. Under the impression that this was Chase Prevention, he told me that he would need to do a Wire Transfer Reversal to protect my account. He was afraid that people would continue to take out money by the thousands. Told me that our account would be safe, would now require two-step authorization and So, on XXXX, we did a {$500.00} " reverse wire transfer '' to the following number : XXXX. This he told us was our " XXXX XXXX ''. This was done in my daughters Account ending in XXXX as he knew my checking ( ending in XXXX ) did not have sufficient funds. Number was registered to a XXXX XXXX. I asked who he was, he said head of XXXX XXXX and that the money would be going thru him and sent back to us. All fees waived. Said he would call back tomorrow with the following number : XXXX. Number came up at JP MORGAN CHASE ( I have screenshot ). XXXX Receive a phone call from the number shown. Came up still as JP MORGAN CHASE. Verified my name and acct numbers ( last XXXX ). He knew that my limit today was now {$25000.00} so he asked that we sent that money again to XXXX XXXX XXXX Head of Chase Fraud ). Says he needs the rest of the money for the wire transfer reversal to protect our accounts and future fraud. I transferred {$20000.00} from our savings ( XXXX ) into the CHECKING ACCOUNT ending in XXXX. This is my daughters account which had {$7500.00} in it. He then proceeded to tell me to call this number XXXX to expediate the transfer. Told me to tell them it is an emergency, say it is for a special event, so they approve it quicker. I had my wife give permission under the impression it was Chase. XXXX at XXXXXXXX XXXX When I saw that the wire transfer was pending and it said XXXX XXXX, XXXX XXXX, I realized that this was complete fraud, and I was duped. I immediately called Chase to cancel the wire transfer. Told me to go to local branch to have a better chase. I got to the branch at XXXX XXXX and had my wife on the phone with Chase Fraud to put in a cancel wire transfer request. She answered questions and said we did not know this person, nor did we send more to him ever before. Said it would take XXXX business days. XXXX I had my stepdaughter call and she was told they were denied since my wife gave authorization. ( Under false pretenses ). Said they put in for a wire reversal case. To check Chase app for secure message status. XXXX Called Chase to check status, the first lady was totally not understanding the issue. We were not given any secure message status. Was transferred. XXXX told us that it is still being investigated and we will hear soon. They are attempting to get money back from other bank. Case # XXXX Summary : I was duped out of {$500.00} on XXXX ( from Acct. XXXX ) I was duped out of {$25000.00} on XXXX ( from Acct. XXXX ) Under the false pretense that they were from Chase, and I had to do a wire transfer reversal otherwise money would be lost. The person had all our confidential information including bank numbers, bank balances, social security, address etc. They called again on XX/XX/22 claiming the first guy made a mistake and needed more money. At this point, I hung up. I am really asking for help. This was our life savings. We have been with chase for over a decade. We have a mortgage with CHASE. I am asking, begging for our {$25000.00} minus any fees. The lady from Chase fraud stated that this is the XXXX case she has been dealing with over the last 2 months. I am broken. I am not eating well nor sleeping. I need help. I. I just need some help getting our life savings bank. We were at fault. But Chase also allowed these people access to our accounts and confidential information. I saw that this type of scam was reported a year ago around the country. We never knew about it. I rarely use XXXX. Please help me. We have XXXX kids... I need help and a prayer. Thank you for your time and consideration. | ||||||
| 03/03/2019 | Yes |
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| My wife is an authorized user on my Chase Sapphire Reserve credit card. One of the benefits this card advertises when I opened this account, and that it has maintained, ( see attached file ) is 'Trip Delay Reimbursement '. Provided certain conditions are met ( an overnight or 6+ hr delay, a cap of {$500.00} in expenses ) the benefit states the card will cover reasonable hotel, transportation and food costs for flight or other common carrier delays. In XXXX, my wife went on vacation to XXXX, a trip that was paid for using the CSR card, on XXXX XXXX. On XX/XX/XXXX, her flight from XXXX to XXXX was delayed, due to a delayed copilot, causing her to be unable to make her connection in XXXX to XXXX. She was rebooked onto a flight for the following evening, and contacted Chase via phone to inquire as to benefits for her situation - and was informed by a representative that the Trip Delay Reimbursement would apply for hotel and other expenses for that evening and the day of the XXXX. She used the card to pay for a hotel stay, lunch and dinner, and transportation to/from the airport, for a total of {$360.00}. In my mind, this should be a straightforward and very typical use of this benefit. After we returned from the trip, we filed a claim for this benefit through the process set out by Chase, using a vendor name eClaims Line. eClaims Line has been incredibly difficult to work with, and the process has only moved forward when my wife or I contact them directly. After uploading several rounds of documentation, we have yet to receive the benefit, and our last conversation strongly suggested the claim will be rejected by incredibly restrictive interpretation of the legalese fine print of the benefit. I find this experience to have been highly unfair, deceptive and abusive on the part of Chase, in multiple ways : ( 1 ) Before spending any of this money, my wife called Chase to confirm the benefit, which a representative did, and Chase is now walking back that commitment. ( 2 ) Any reasonable interpretation of Chase 's summary of the benefit is that her expenses should have been covered. Chase 's website states that the benefit 'Provides reimbursement for expenses such as meals and lodging if your common carrier ( airline, bus, cruise ship, train ) travel is delayed more than 6 hours or requires an overnight stay '. The trip met the other listed criteria of being away from our city of residence, a trip less than a year, the only time we're claiming this benefit for this trip, etc. The only exclusion it makes is to not cover 'Any covered hazard delay that was made public or known to you prior to the departure for the covered trip. Prepaid expenses are not covered. ' The length of the delay at the XXXX airport was not communicated to my wife until after the initial take-off time had passed ; this was not a rescheduled flight. The expenses could not have been pre-paid as they had only occurred as a result of a unforeseen and unplanned delay. ( 3 ) Reading the fine print & legalese in the card 's Guide to Benefits, the following are explicitly covered : 'A Covered Hazard includes equipment failure, inclement weather, labor strikes, and hijacking or skyjacking. ' The following is explicitly not covered : 'You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip. Also, prepaid expenses are not covered '. The airline has not provided us with a reason for the delay of the co-pilot, which could have been mechanical or weather related on their inbound flight, but nowhere is this type of delay excluded. More importantly, these terms are much more restrictive than those described in plain English on the website and are a clear 'bait & switch ' of advertising something of much higher than value than what's actually available to customers. We have shared extensive documentation with eClaims Line for receipts, flight information, etc. and are happy to furnish those again if would be helpful in resolving this complaint, or provide any additional information. A fair resolution to this issue would be the prompt payment of the {$360.00} claim via check or statement credit. More broadly, I encourage the CFPB to look further into the spurious nature of credit card benefits at Chase. These appear highly valuable to customers when opening a product, but attempts to use them, fully in good faith, involve incredibly hurdles and slim chances of success. Chase 's summary of the benefit, which is also an attached file : XXXX XXXX XXXX The Guide to Benefit is attached as a file to this complaint. | ||||||
| 01/19/2018 | Yes |
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| My wife and I refinanced our home mortgage with JP Morgan Chase in XXXX and it was to be an interest only loan. We have received a letter from the bank ( XX/XX/XXXX ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am XXXX years old and my wife is XXXX years old and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of XX/XX/XXXX. The letter had a XX/XX/XXXXXX/XX/XXXXdate on it. It told me That a XXXX XXXX XXXX was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO XXXX XXXX working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated XX/XX/XXXX. She said " Well SIR, this IS XX/XX/XXXX. '' I asked to talk to her supervisor. I was put on hold for an additional 5 minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in 2007 and could find no where in the loan documents a " Finance Box '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in XX/XX/XXXX, I had asked Chase to send me copies of my paper work showing me where it said my loan termed out over 20 years in XXXX and a copy of my Federal Disclosure Box signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the Federal Disclosure Box that I had requested. We were never told by the loan officer, in XXXX, that our loan would term out in 20 years starting in XX/XX/XXXX. There is a paragraph hidden in the middle of the 30 plus page document, that we signed and initialed, that speaks to the 20 year amortization but no Federal Disclosure Box. So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. I filed this complaint last year and was basically given the XXXX XXXX by Chase JP Morgan. Since then I have received a letter from Chase JP Morgan enclosing a check for {$100.00} asking for forgiveness for error ( s ) on Chase JP Morgan 's part. On the advice of Counsel I have not cashed this check. Since, filing the original complaint many articles have come out in the XXXX XXXX XXXX and XXXX XXXX XXXX about Chase JP Morgan 's complicity in rigging the LIBOR RATE. Chase JP Morgan, has paid billions of dollars in fines for this and other scandals that they have been involved with. My question is this ; has Chase JP Morgan been complicit in manipulating the LIBOR RATE because it made things better for my Wife and me? Obviously Not!!!! LIBOR is no longer a bench mark rate because of these and other scandals and soon will cease to exist. So, if there is no more LIBOR what is the amount of interest charged on my loan, predicated upon? It is difficult to sum up the wicked " XXXX '' Chase JP Morgan has put us through. Lying to us about our loan being interest only, lying to us about the people we could call for help, never disclosing to us what our interest would be ( federal disclosure box ) when at the end of ten years it reverted to to a 20 year mortgage. Which if Chase JP Morgan would have done that it would have alerted us to the fact that it would term out over 20 years after 10 years. They have used different names on our account such as Chase Bank, JP Morgan, and Chase JP Morgan etc. We are never sure just who we are paying. Our interest rate has been hiked but I have no idea how they have formulated that rate since LIBOR can no longer be used or depended on. In short these are crimes your average businessman would go to jail for or at least be fined and ordered to pay some restitution. | ||||||
| 05/01/2020 | Yes |
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| I booked a ~ {$1500.00} XXXX vacation for my boyfriend and me for our two-year anniversary using my Chase XXXX XXXX card, as it is marketed as the best card for travel with point benefits and travel insurance. We were supposed to leave on XX/XX/XXXX, but two nights before that, our dog experienced XXXX. As my boyfriend was trying to calm the dog down and the dog was coming out of the XXXX, he was very disoriented and scared, and bit my boyfriend in the face. We spent the next 12 hours taking my boyfriend to the hospital, and then our dog to the vet. Needless to say, given the gashes on my boyfriend 's face and the possibility of the dog having recurring XXXX, we decided to cancel our trip. I called Chase on XX/XX/XXXX to ask what action I should take to start filing for trip insurance. I was advised to cancel with XXXX ( please remember this part, as it's important ), and then to file a claim thru XXXX. I immediately spent hours going back and forth with XXXX on XX/XX/XXXX, getting all the information they requested - proof that we had visited the vet that night for my dog, proof of our visit to the hospital for my boyfriend 's face wounds, proof that XXXX did not reimburse or refund my money, proof of XXXX 's terms and conditions when a vacation package is cancelled, the full card benefits guide and a personal letter to the claim reviewer stating my situation and where in the guide am I referring to when I say I believe my entire purchase should be covered, etc. After a few days, I received a prompt via email that XXXX wanted me to prove XXXX partnership with my boyfriend, otherwise only my portion of the trip would be covered - so only ~ {$750.00} would be recouped, and I would lose the {$750.00} for my boyfriend 's portion of the vacation package. I called Chase 's benefits department, and two different representatives disagreed with this - they were horrified at my situation, and read through the benefits guide, and believed I should be covered, as it was my purchase. However, XXXX disagreed because they said only the cardholder and cardholder 's immediate family would be covered. They told me that if I can not prove that my boyfriend and I are in a XXXX partnership, then only my half of the trip would be covered. This is extremely misleading because I am the cardholder, and I purchased the trip as a gift - it is solely MY purchase, so in the event that I have cancel the trip for whatever reason, my full purchase should be insured. Half of my purchases are things that my boyfriend and I share - groceries, transportation, etc. This trip was a gift to him, and I wasn't going to go on it alone - it is so misleading to consumers that Chase markets all these lavish benefits, but when it comes to the INTERPRETATION of the benefits, NONE of that lies with Chase and it is solely up to the discretion of XXXX, and their sole objective is of course to prevent payout to customers as it is in their best interest. I called Chase again in late XXXX, and the benefits representative said there wasn't anything she could do for me, and supervisors are all tied up as well due to COVID-19 and a huge increase in call volume. She did offer to pass me to the charge dispute team, and I accepted as I felt like I had no other options left. That team told me that because I had cancelled the trip instead of XXXX doing it on their end, that there was no recourse for me. So the very first instruction Chase gave me to kick off the trip insurance claim also ended up being the very thing that prevented me from getting my money back. I also don't see how XXXX would be able to cancel on their end because it's not like the package was suddenly unavailable - I doubt they would cancel on my behalf just so I would be able to file for trip insurance, as there are probably ramifications on their end as well. At this point in late XXXX, I have spent literally HOURS either waiting on hold or speaking with Chase representatives with the frustration bringing me to tears - 4 of which said they strongly believe I should be covered, 2 of which said they could not advise on the matter and I needed to speak with XXXX directly. This goes to show you the disorganization at Chase and the fact that their representatives don't even know what is covered. It also makes clear that they do not value customers ' business - their marketing and the claims process are completely disconnected. Chase can promise customers the world when it comes to their card benefits, but will not even raise a pinky to help a customer because they outsource the dirty work of the trip claims process to XXXX. | ||||||
| 03/28/2022 | Yes |
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Web | Older American |
| Hello, there. Im a recently retired university XXXX, who formerly taught XXXX XXXX XXXX XXXX XXXX XXXX at the University of XXXX in XXXX, XXXX, and XXXX, and who now lives abroad in XXXX XXXX, XXXX. I have had a checking account at what is now Chase Bank ( XXXX XXXX XXXX, XXXX ) since XXXX. When I moved over here to XXXX, I maintained this XXXX account, with some $ XXXX in it [ {$12000.00}, to be exact ], as an emergency stand-by fund ( and potential repository for my Social Security checks ) XXXX I have received monthly statements ever since, and never have I been given any indication that anything was amiss. Then, a few days ago ( XXXX XXXX. ), entirely unheralded and out of the blue, I received a certified letter from Chase Bank notifying me that my entire account balance was being confiscated by the Bank, allegedly for lack of account-activity. I was given just over one week [ viz, until XXXX XXXX ] to reclaim my account, allegedly by doing one of two things : a ) posting a letter of notification to the Chase central offices, or b ) writing a check on my account. After over two hours of long-distance telephone calls with both the XXXX XXXX XXXX Chase and the local XXXX branch XXXX which I can ill afford on my tiny pension, not to mention the fact that I had a XXXX XXXX weeks ago & am currently awaiting XXXX XXXX, so I can also ill afford the stress ), I discovered that BOTH methods were essentially fraudulent. This, because a ) while, after much pleading and negotiating, I immediately e-mailed my signed reclamation form to the XXXX branch, who in turn faxed it immediately to their national office [ this, on the very same day as I received the Certified letter from Chase ], it nevertheless turns out that the processing time for my letter will exceed the deadline set for confiscation!!! Moreover, b ) I was told by the XXXX XXXX representative that, even if I were to follow their own letters instructions and write a check on my account ( to establish activity ), the check would bounce back, given that my account-status was currently labelled as dormant ( a fact that I had NEVER been made aware of, in any manner or fashion, at any time prior to this very moment! )!!! The bottom line : this is rather clearly a deliberate attempt by the bank to seize my small pension-reserve, engineered in such a way that NEITHER alleged avenue of reclamation was viable ( insofar as my notification was so late that any attempted response would be past my deadline for recovery!!! So far as I can tell, this is a deliberate, profoundly cynical, and fundamentally fraudulent scam to rob the relatively small savings-funds of elderly pensioners such as myself, hoping that they will lack the energy and/or persistence to resist. ( I scarcely imagine that I am the only victim of such disgraceful treatment. ) Im hoping, then, that you will initiate an investigation into this rather transparent criminality [ there is simply no justification for them holding off on my notification until it was already too late for me to respond, nor any reason, for that matter, why it shouldnt have been made EASY to reclaim my funds! ], hopefully so that I and others will be able to receive restitution from these thieves, and Chase will be forced to end this disgusting practice. I will be happy to provide further details, either by e-mail or via XXXX. XXXX, XXXX XXXX. For what its worth, the local bank XXXX with whom I dealt at some length was as helpful as she could be under the circumstances. Unfortunately, here hands were entirely tied by the rather clearly criminal intent of her bosses at national XXXX. Please, please look into this, and help bring this practice to a stop. ( If you think that this might also be of interest to the XXXX XXXX, you are welcome to pass on my e-mail. ) P.P.S. The following is verbatim from the letter I received from XXXX : " Here 's what you need to do : * Complete the enclosed Account Certification Form and return it to us by XX/XX/XXXX, or * Make a transaction on this account. For example, write a check or make a deposit or withdrawal by XX/XX/XXXX '' As I describe up above, however, BOTH avenues are in fact blocked by Chase itself, since a ) even though I returned the XXXX to Chase, via their XXXX XXXX XXXX, on the VERY DAY that I received their letter, I was told that the " processing time '' would likely carry past XX/XX/XXXX ( their deadline for receipt )! b ) I was further told that any check written on my account would bounce, since the account had been declared " dormant '' ( again, without ANY notification to me, in any manner at any time )! | ||||||
| 03/21/2021 | Yes |
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| This is an Appeal of Previous cfpb closure of Previous complaint JPMORGAN CHASE AND COMPANIES, HEADQUARTERS ATTN : EXECUTIVE OFFICE, COMPLIANCE DEPARTMENT XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : APPEAL LETTER, CFPB COMPLAINT NO. XXXX Background : I submitted a cfpb complaint regarding payment history, e.g. late payment & whether I authorized a hard inquiry on my credit report. The cfpb complaint number is XXXX. After the cfpb received your response to my complaint, it was closed. Please consider this an appeal. Your response submitted to cfpb on XX/XX/XXXX : a. Your introduction raises issues whether the account was fraudulent and its validity. I mentioned that a hard inquiry was made on my record regarding this account. You requested identification, and I sent it to you. The account was reopened, thus concluded that I was liable for the account. b. You later states that you reviewed my credit report when I applied for credit for a credit card, and the Pricing and Terms information was presented to me before the application is submitted. You later state We enclosed a copy of the Pricing and Terms for your records. You mention information was sent to the credit reporting agencies is accurate. You state While I State I were asking us to remove late payment reporting for my credit report. c. You state also, Payments are considered late if not received y the due dateWhile I state I were unaware of the debt associated with this account, our research shows you were aware of the debt associated with this account, our research shows you were aware of the account and previously contacted us regarding payments. You go on to say, I called you on XX/XX/XXXX about issue of automatic payments, and I let you know why the payments were not received. You acknowledged that I did not know why payment was not received. You go on to state your records show the last payment received was on XX/XX/XXXX. A payment was made through a 3rd party bill payment service..and I needed to contact the 3rd party for more information ; and, d. Lastly, you state If I believe we did not apply a payment to your account correctly, please provide you details regarding the date and amount of the payment, so we can research further. You listed names and addresses of the four credit bureaus. RESPONSE TO YOUR LETTER SUMMARIZED ABOVE REGARDING MY CFPB COMPLAINT A. There are two genuine issues presented here. One, Did I allege fraudulent and its validity. This is not an genuine issue raised. RE : APPEAL LETTER, CFPB COMPLAINT NO. XXXX B. Whether pricing and Terms information was presented to me before the application was submitted, specifically making a clear distinction between a hard versus hard inquiry ; and, more importantly how a hard inquiry would affect my credit scoring. I now, say your Pricing and Terms Information does not meet this issue adequately requirement from a consumer standpoint. I do not have this Pricing and Terms information information, thereby I request a copy as soon as possible. The actual version available at the time of my applying. C. Your mentioning that I was aware of the debt is immaterial, is thus not a genuine issue raised in my complaint. D. Your self-serving statement stating I acknowledged that I did not know why the payment wee not received is inaccurate. I did not make this statement. This is just a self-serving assertion, nothing less. E. YouR acknowledgement that a payment was made through a 3rd party is not a genuine issue raised in my complaint. Stating that should contact the 3rd party is just shifting the blame or buck. F. You mentioning that your records show the last payment received was on XX/XX/XXXX. This statement is not validated by any records, either sent to me or the cfpb. This is inaccurate and self-serving. G. Your mentioning If I believe we did not apply a payment to your account correctly, please provide you details regarding the date and amount of the payment, so we can research further is merely a politically correct statement to make and thus self-serving ; and, lastly H. You have not provided any affividits of individuals within your organization responsible for writing the Pricing and Terms information, nor anyone who has direct knowledge of the decision making of the issues raised in my cfpb complaint. Otherwise, I can just say anything to meet my agenda, e.g. consumer denials when confronted with a systemic process unjustly affecting credit worthiness of millions of citizens in this country, if not, including a large portion of the world. XXXX XXXX Cc : cfpb | ||||||
| 10/30/2022 | Yes |
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| On XX/XX/XXXX at XXXX XXXX I received a text message that said " Chase Bank Fraud Dept. Did you attempt a {$2000.00} XXXX payment on XX/XX/XXXX Reply YES or NO ''. I responded " No '' ( see attached document showing text exchange ). At XXXXXXXX XXXX, I answered a call from XXXX JPMorgan Chase Fraud Prevention Department ( see attached document of the call record ). I spoke with a man named XXXX XXXX and was asked if I sent a XXXX transaction in the amount of {$2000.00} to XXXX in XXXX, TX. I said I did not send any money and I did not know the recipient. XXXX said my Chase bank account had been compromised and someone changed the registration on my XXXX account. He said the fraudulent XXXX transaction went to a XXXX XXXX XXXX account and that he had a representative from XXXX on the other line to trace the transaction so they can credit my account. I was told my XXXX account needed to be re-registred into my name. He asked me to log into my account. I immediately received a pop-up message about adding XXXX as a recipient. XXXX said to close the pop up and that the hacker changed my registration to his name. To fix it, XXXX told me to add my name and phone number as a recipient. He then told me to select myself as a recipient, enter {$2000.00}, and in the memo line type XXXX and press send. He said entering XXXX ensures that the transaction he was having me send would only be a demo transaction so that they could recover my funds and credit the {$2000.00} back to my account from the hacker. I was told I would receive a call back shortly to confirm the funds were back in my account. At XXXX XXXX I call Chase using the phone number on the back of my debit card XXXX. I spoke with a Chase representative because I still had not received the funds back into my account. The representative I spoke with said that the XXXX transaction was set to deliver to my phone number, but that the transaction was still pending. He told me the transaction might not have been processed yet if my phone number is not on my XXXX account. Instead of offering to cancel the pending transaction, he asked me to log into my Chase account and instructed me to add my phone number to my XXXX account. He then told me to wait until the morning to see if the funds were returned to my account. If the funds weren't in my account, he said to call the Chase Claims Department. On XX/XX/XXXX, I went to my local Chase bank branch and spoke with the manager. He called the Chase Fraud department and spoke with them about the incident. After the phone call, he said the transaction is probably stuck somewhere and taking longer to process and that he sees this happen sometimes when people send a XXXX transaction to themselves. After my visit to the local bank branch, I called Chase Claims Department to file a claim since my funds were still not returned to my account and the XXXX transaction was now showing in my account as " Completed '' ( see attached document of the XXXX transaction - this also shows my name and phone number as the recipient ). The representative I spoke to said they would conduct an investigation and determine if they will be able to provide a courtesy recovery of the {$2000.00}, but could not guarantee that I will get my money back and could not provide a time frame for the investigation. I was also told there were no other steps I could take at the time. Later that day, on XX/XX/XXXX, Chase Customer Claims Department sent a notification to me that said " as we discussed and agreed, no action will be taken '' and " this inquiry is now resolved '' ( see documentation of the notice from Chase dated XX/XX/XXXX ). I never agreed for no action to be taken. I filed a claim for an investigation to be performed to recover my funds. On XX/XX/XXXX, I spoke with a Chase Claims Department specialist. She told me the claim was closed and offered for me to file a complaint. I told her the details of the incident on XX/XX/XXXX and my concern about the Chase representative that noted that the XXXX transaction was still pending while I was on the phone with him, but he did not offer to take action to cancel the transaction. Instead, he told me to wait until the following morning after adding my phone number to my account. By this time, the transaction was completed and the funds were never returned to my account. The specialist said that someone would speak with the representative 's manager and that I would get a follow-up call. The {$2000.00} was never returned to my account and I never received a call or any other correspondence or follow up from Chase regarding the matter. | ||||||
| 09/12/2021 | Yes |
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| On XXXX at around XXXX I believe my cellphone got hacked, I was in the playground at my current location where i move to since XXXX in XXXX XXXX with the kids and my smart watch started getting back to back weird unknow emails in many different languages with weird topics like purchase confirmations, thank you for your subscription, your package will arrive soon, I was busy with XXXX little kids running around and didn't pay much attention to it but it was just weird that it was nonstop, a few minutes into it I got a text message alert from CHASE and that is when I stop and got my phone to see what was going on since I didn't made no recent purchases and usually those alerts come in right away, when I look it was indeed an authorization purchase from XXXX for {$690.00}. My first step was to BLOCKED all my cards and then I tried to call the bank but my cell phone was not allowing me to go online or make phone calls, my XXXX search was not allowing to search and my phone line was just making this static noise and while I was trying to call CHASE customer service # the automated service was just like thank you for calling chase enter your debit card and social # Inthough it was weird because it was not given me no other options I was so nervous that I just keep pressings the # and * key hoping it will transfer me to a live person but it was not working and then within the static noise I over heard voices very disrupted because of the static noise it was male saying something like " Yes, I have Miss XXXX on line to authorized the transaction '' and that is when I realized something was awfully definite wrong right away I hung up and turn my phone completely off, to took my sister 's phone I call the CHASE fraud line " by the way that call access was different from what I was getting on my phone " I proceeded to explain to them what was happening the lady told me not to worry they will handle it, like 3 days later the $ was clear from my acct and I got a new card, I also called XXXX to get information they told me they could not do any because the order was from a third party vendor so that they bank had to handle it i was also told the address where the shipping was going and it happen to be the address of the place I stay for 10months after I left XXXX do to COVID " XXXX XXXX '' they also told me they could see there was some other decline transactions and I explain to her it was because the CHASE card was cancel right away after the firts aprove one and indeed that chase card was thw same last credit card I used online to purchase from them, the customer serv lady actually offer and went ahead and cancel my online XXXX acct to delete any access or used to any other save cards I could had save. On XX/XX/2021 I got a message from CHASE saying that I was found responsible for the transaction and had to pay for it, I guess they assume I did it because the delivery address for that purchase was my my previous address from where I moved out in mid XXXX almost 2 months prior to the crime, i just ask myself what is the fraud protection service for if these companies are not really investigating the cases and are trying to have clients like myself pay the price they should and need to have a real investigation to find out what really happen because it was not me and i am not paying that money back i bank with CHASE for many years, if you review my credit acct and payments with them is really good but i refused to be charge or pay for something that is not mines .I called CHASE to get and explanation i need to know why they decided i was guilty i fallow the procedures I contacted them right away i blocked my card there was nothing else i could do to stop the purchase regardless of where it was going to it seems to me they just assuming the lady told me she had no information to provided me with and the only thing she could to was to open an acct review case we went thru all the events again like i just prior explain here, i ask for a name or confirmation # for my records she told no that I have to wait to be contacted by them its been over 3 weeks and i haven't heard from them hopefully I will get the help and fear investigation I need here otherwise I am ready to find a lawyer to dig deep down and actually sue CHASE for defamation for saying i am guilty for a crime i did not commit, for their poor service, help for violating my rights to get a fear, real, legal investigation and to provide me the information they used to find me guilty the aggravation and metal pain and suffering they causing me is unfair and i will not take it with out a fight. | ||||||
| 01/27/2020 | Yes |
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Web | Servicemember |
| My complaint is against Chase Morgan Bank Auto Finance, on XXXX XXXX, 2020, I called Chase Bank because I was running late on my truck payment for XXXX and wanted to know what date would make 30 days so I can pay before that date so it will not go on my credit report, my credit report is 100 % no late or missed payment, because I wanted to buy a house one day, at one time in my life I was an homeless veterans so my credit means a lot to me, I really want to build a home for homeless veterans and everybody knows that. The first Chase representative I spoke to that day was unsure so I discontinue my call with her and called back. The second Chase Representative I spoke to that day he was very kind and patient with me. I asked the second Chase Representative the same question, what date would make 30 days for my truck payment, because I do not want this to go on my credit report. The Chase Representative explain to me either the XXXX or XXXX of XXXX 2020, would be my last chance of paying my truck note before it is reported to my credit. I told Chase Representative that I did not want to take a chance on my truck note being 30 days late so I will pay it now. The Chase Representative wanted to send me to the automated system but I asked could I just pay it on the phone with him and he said yes. I was about to use my debt card for payment, either he asked or I told him that I have a checking account with Chase Bank. Once Chase Representative verified I had a checking account with Chase Bank we continue with the payment through my Chase checking account. The Chase Representative wanted me to verify my checking account number and he called out some numbers and I said if that's my Chase checking account proceed because I do not know it by hard because I never pay my truck note using it but once I was told and I only have money to cover the payment in my checking account and besides that I was driving and talking from my cell phone and didn't have my statement in front of me. When Chase Representative verified everything he said my process was completed it will take a couple of days to show on my statement and I check my Chase app and it showed my payment had been process and paid. I called Chase Auto Finance a couple days later because the payment showed paid in loan part of my bank statement but they never took it out of my account so I called. I asked Chase Representative why haven't my truck note has not been taking out of my Chase checking account but it's showing it been paid on he loan part of my statement Chase Representative told me it takes a couple of days to show on my bank statement. I called the 3rd Chase Representative the next and was told the same thing it takes a couple of days for it to show up in my bank statement. At this point I got frustrated and now I started asking for supervisor and they was telling me the same thing. I was so frustrated until I started calling everyday because I felt something was wrong and I finally talk to a supervisor and she told me that the payment was sent back but they would have to investigate and listen to the recording and she would get back with me and she never did. I called again on Wednesday XXXX, 2020 and spoken to another supervisor and she told me let her check and when she came back to phone she said that I provided the Chase Representative with the wrong checking account and I said I only have one checking account and I didn't provide anything with him he call out the number and I said if that's my checking account number process the payment. The supervisor than said the checking account number you gave him was from an close account from 2 years ago and I said I didn't give him anything he told me the account number and why is a close account still popping up when it suppose to be closed. The supervisor went on to say it's my responsibility to inform Chase Representative my checking account has change I couldn't believe she said that. I explained to Chase Supervisor that I never have went over 30 days with an unpaid bill my credit report is 100 % on time and I also told her I was trying to get a house and a new government job and she didn't care and they refuse to let me listen to the recording I guess they were trying to make sure they get their bonus by saying I screwed up and it was them. Chase Supervisor is hiding something they sabotage the investigation for their gain. I am sending my credit report, my bank statement to prove I had money in my account and the loan part of my statement to show where Chase Representative put in the system my payment and checking account was good. | ||||||
| 06/14/2019 | Yes |
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Web | Servicemember |
| On Friday, XX/XX/XXXX, I opened mail delivered to me by the U.S. Postal Service. One of the items I opened was from Chase. The Notice ( See Exhibit A ) said Congratulations! Your Chase Slate Card is being upgraded to a Freedom Unlimited Rewards Card. The Notice described the features of my upgraded card and mentioned XX/XX/XXXX as the beginning of a promotional period. ( It should be noted that I have had the Chase Slate Card since XX/XX/XXXX and have never had a late payment ). A few hours later, I opened my Chase Mobile Application on my XXXX to check balances, transactions and my credit report. As I clicked on different links, I came across a pop-up ( which I would later discover was an advertisement ) saying I had been approved for the Chase Freedom Unlimited Rewards Card and to check the box if I accept. I did so, believing I was simply accepting the upgrade that Chase had informed me of previously via the aforementioned mail attached as Exhibit A. The Mobile Application then asked me to click on an Accept box, which I did. Within seconds after clicking on the Accept box, I received several Alerts from different credit monitoring services I utilize, advising me that a Hard credit check had just occurred. I have attached two of those Alerts ( See Exhibit B ) I then opened the Chase Mobile Application again and saw that Chase had issued me a Chase Freedom Unlimited Card with a new card number. It was at THAT moment that I realized I had applied for new credit, when in fact I THOUGHT I was simply agreeing to the upgrade from the Slate Card. ( See Exhibit C # XXXX ). I immediately telephoned Chase ( See Exhibit D ), spoke with a customer service representative and explained what had occurred. The Customer Service Representative ( CSR ) assured me that the new card number was my upgraded card and that she did not know why a hard credit check had occurred. It was clear to me that the CSR lacked the knowledge or ability to correct the problem so I decided to wait a few days and do some checking into the credit inquiries. On Tuesday, XX/XX/XXXX, at ( I believe ) approximately XXXX I again telephoned Chase ( from a landline so there is no exhibit ) and spoke to a CSR ( XXXX ) and then to her supervisor ( XXXX ). I again explained what occurred ( as stated in previous paragraphs ) and asked that I not receive a second Chase Freedom Unlimited Card and that the Credit Inquiry be removed from my credit report. XXXX stated that I had applied for additional credit so I must accept the new card. Furthermore, when I informed her that I intended to file a complaint with the Consumer Financial Protection Bureau, she stated, You dont need to file another complaint. Youve filed your compliant with me and Ive given you my answer. I have spoken with two CSRs and one supervisor at Chase in an attempt to resolve this issue but to no avail. It is my assertion that Chase engaged in a Deceptive practice ( UDAAP Violation ) when they included pop-up advertisements on their Mobile Application for a product they had previously advised mein writingthat they were sending ( Exhibit A ). Their action mislead me into believing I was simply accepting the change from the Chase Slate Card to the Chase Freedom Unlimited Card. In addition, I believe my interpretation of their deceptive act to be reasonable under the circumstances previously discussed. Indeed, Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be deceptive if it is likely to mislead consumers, which Chase most certainly did in this situation. The actionsand lack thereoftaken by Chase have caused me harm. The new account has already affected my credit score ( by lowering my average age of open accounts, increasing the total number of accounts, and adding a Credit Inquiry ). My XXXX score dropped 5 points, from XXXX to XXXX in 15 days. Moreover, I now have TWO Chase Freedom Unlimited Cards ( See Exhibit E ). I have not, nor to intend to ever activate card XXXX ( Exhibit C and E ). It does not take an expert to understand what occurred here and why. Chase should be ashamed of both their deceptive practices and pitiful customer service. I continue to want both Credit Card # XXXX and the Hard Inquiry removed from my Credit Report. Furthermore, I would ask that the Consumer Financial Protection Bureau look into the fonts being used by Chase on their Mobile Application. Mobile phones are small enough ; I believe I missed the credit application because of these materials fine printI am XXXX and my XXXX XXXXs not what it used to be ) | ||||||
| 11/16/2018 | Yes |
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| Sir or Madam, I'm writing this letter to Complain over JP Morgan Chase ( " Chase '' ) for wrongfully closed my saving account without simple due diligence and illegally withhold the fund of my closed saving account without notifying me such situation. As one of the biggest retail bank in USA, this financial institution has responsibilities to facilitate American citizens basic, legal banking needs while making profit from it. In the end of XXXX, I deposited a {$20000.00} dollar check written by my husband with purpose of the payment indicated as mortgage payment in the check. The check would be used to pay for our mortgage over time. My husband and me deposit this check together through one of the Chase branch, and per his suggestion the fund was deposited into my savings account. The banks teller was fully aware this situation. Apparently this deposit triggered certain investigation. WITHOUT REACH OUT TO ME FIRST, who is willing and able to reasonably explain and provide evidence for this deposit, Chase decide to close my account without simple due diligence, which wouldnt cost much time or efforts for Chase and can easily clear the background of this check. Simple due diligence such as make a phone call, text me, check mine and my husbands profile through XXXX, validate our address and property through XXXX, review existing mortgage document and mortgage account that I maintained in Chase as well etc. Instead, Chase simply wrote a letter to me and tell me they are closing my saving account. By the time I found the letter it already approaching the account close date. I made two phone calls ( XXXX,XXXX ) on XX/XX/2018, telling Chase that they made a mistake, this is a normal transaction. Chase hotline told me they could not reach to my husband to validate the check but we agreed that Chase will make second phone call later on the same day at XXXX XXXX when my husband is able to pick up calls. The 2nd phone call was never made and I thought the problem was solved. However on following day, WITHOUT SIMPLE, PROMISED DUE DILIGENCE, my account was closed without efficient notification. Whats worse, Chase ILLEGALLY WITHHOLD the balance of my saving account without any notification to me or my husband. On XX/XX/XXXX, I received another letter saying Chase has already closed my saving account on XX/XX/XXXX and will send me a check for the balance in my closed saving account. I contact Chase again explained the situation to a staff of Chase, who claimed herself to be a part of XXXX XXXX XXXX program. She told me that the account was closed and there's nothing I can do about it, because I supposed to make a follow up phone call, which is totally not true. I was not the one make decisions to eventually close my account, how should I know whether I should follow up?! Because I insisted to make things right, the hotline staff called my husband ( phone number is printed on the check he wrote ). It took her less than one minute to validate the check and therefore proved my innocence. That's when I was told, Chase will un-frozen the balance in my saving account and sent it back to me, which means from the date they closed my account to the day I called and insisted to clear my name, Chase was holding my money illegally in its own accountnot under any of my accounts, nor on the way sending to me or to my husband. Chase as one of the biggest retail bank in USA has responsibilities to facilitate citizens normal, legal, day to day banking needs. Chase has systems and resources readily available to conduct basic due diligence, yet it failed to do so. A bank can not irresponsibly close citizens ' accounts without proper cause. Citizens have to participate in economic activities through banks. Abruptly kick customer out from a bank without simple due diligence will make citizens vulnerable and helpless, let alone it is an very very embarrassing experience. Without any wrong doings, I have to prove to the bank that I'm innocent! People are not simply an alert or a case in the eyes of banks. We are customers, citizens with dignity!!! I hereby demand Chase : 1. to correct my profile/ records within the banks system and all documents, even if they are internal. This incident should not affect any future transactions/business I would like to conduct with Chase. 3. Retrieve or amend any documents, reports sent out to external parties, such as XXXX, due to this incident. 2. Reopen my saving account. Thank you very much for taking this letter seriously. Im willing to talk and provide evidence to prove all I wrote is truth and all the truth. | ||||||
| 03/13/2018 | Yes |
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| Since XX/XX/XXXX, I have maintained a Chase Sapphire Reserve credit card account ( ending in XXXX ) always in good standing. In exchange for {$520.00} in annual fees I pay each year, Chase was to provide me with - among other things - a benefit common to credit card issuers referred to as " Purchase Protection ''. This Purchase Protection covers recent purchases under the following statement : " Certain personal items are covered when you purchase them using your Account or rewards points earned on your Account. The conditions for coverage are theft, damage, or involuntary and accidental parting with property. Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' On XX/XX/XXXX, my home suffered a total loss due to a fire and a homeowners claim ensued. As a direct result of the fire, however, I realized another loss in the form of nonrefundable monies paid to a company for an order of custom-made window shutters which could not be delivered nor installed as the home was destroyed in the middle of the order. I realized that this Purchase Protection benefit is only in excess of other collectible insurance policies, so I waited until my insurer confirmed that particular type of loss would not be covered by the homeowners claim. I was advised by both my insurer and my attorney that this item falls within the coverage of my Purchase Protection benefit provided by Chase and I should file a claim with them for this specific loss. On XX/XX/XXXX, I submitted Claim XXXX under the Purchase Protection benefits of my account for {$3400.00} USD. I provided a fire department report, copy of the sale agreement and receipt for monies paid, credit card statement showing the transaction occurred on my covered account, report from fire investigator ruling-out arson, and an email from the insurer indicating the item was not covered by the homeowners claim. On XX/XX/XXXX, I received an email from Card Benefit Services requesting additional information. That additional information was ( 1 ) a copy of the homeowner 's insurance declarations page, and ( 2 ) a monthly billing statement showing the shutters were in fact paid for using the covered account ( which I had already provided in earlier submissions ). The same day, I uploaded the requested documentation for Card Benefit Services to review. On XX/XX/XXXX, I received an email from Card Benefit Services denying my claim for the sole reason that " this benefit does not cover traveler 's checks, cash, tickets, credit or debit cards, among other negotiable purchased instruments ''. Perplexed as to why this description had anything to do with my claim, I called Card Benefit Services that same day and asked for more information. The representative claimed that the money I paid for the window shutters was - in their eyes - a " negotiable purchased instrument '' and therefore not covered by Chase Purchase Protection benefits. I attempted to expose the lack of reasoning with the representative that somehow resulted in the window shutters being called a negotiable instrument, but I was advised by the representative to submit a request via email to appeal this decision and I would receive a response within 5 business days. The same day on XX/XX/XXXX, I submitted the attached request to appeal the decision. My email requested that my claim be reconsidered citing that my purchase of window shutters can not be reasonably considered a negotiable instrument per the definition of such in Sec. 3-104 of Uniform Commercial Code. As of XX/XX/XXXX ( 11 days later ), Card Benefit Services has failed to respond to my appeal within their own stated timeline. I have spoken with other Chase cardholders via XXXX, XXXX, and XXXX who claim to also have had similar unreasonable claim denials from Card Benefit Services. I therefore believe that Card Benefit Services has, and continues to, conduct unfair and deceptive practices which misrepresent material facts and provisions relating to the coverage at issue. In requesting an appeal in relation to the facts and applicable law, Card Benefit Services has also failed to attempt in good faith a prompt and fair settlement. I am requesting that Card Benefit Services promptly review my appeal and issue payment in the amount of {$3400.00} USD within the next 30 days. Should my request not be honored, I reserve the right to assemble other claimants in legal proceedings as I [ we ] are no longer bound to mandatory arbitration in this matter. | ||||||
| 01/10/2019 | Yes |
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| On XX/XX/XXXX I opened a Total checking account and received instructions on how to submit a pre-filled direct deposit form to my employer. I printed the form and submitted it the same day. On XX/XX/XXXX, my direct deposit via my employer was issued but not showing in my account. I called to inquire about the status of my direct deposit and to ensure I did not need to take any additional action on my account. I was advised that direct deposits are updated throughout the day and to check back in a few hours. I continued to monitor my account and by mid-day the funds were still not listed in either my pending or processed transactions. I called back and requested to speak to a supervisor, who informed me that there was no pending deposit. When I inquired about the information provided previously the supervisor was able to locate it and advised me the funds may not be available in my account until Monday. I inquired if the delay in processing the direct deposit was due to the account being newly initiated or if this is a typical processing time frame? The supervisor stated that he could not say what the processing time frame on the account was and why there was a delay but he assured me everything was fine with the account and advised me to call back if the funds were not available by Monday XX/XX/XXXX. On Saturday XX/XX/XXXX the funds were available in my account and so I proceeded to process any necessary payments. On Monday XX/XX/XXXX the account was still processing and many of the payments I had made over the weekend were beginning to appear. On Tuesday XX/XX/XXXX, Chase had returned my direct deposit to my employer, my account was overdrawn and payments were being rejected. I contacted Chase customer service immediately and was told the routing number was incorrect, a claim would be filed and some one would reach out to me in 1-2 days to resolve the concern, I have not heard from anyone as of now. At work, I received an email from the payroll department advising that the direct deposit had been returned due to unable to locate account. Upon additional review of the direct deposit information provided with the initial opening of the account and the current account information I found that the routing numbers in fact did not match. I called back into Chase customer service and was advised by an agent that Chase has no control over the direct deposit documents printed and therefore it is not a bank error. At this point, what I know is : - Chase provided me with a routing number based on opening a checking account online - which I have physical documentation of. - Once the account was processed, I was issued a new routing number based on my physical address - see below. - Chase returned my direct deposit to my employer based on due to unable to locate account based on an incorrect routing number - which I have physical documentation of. - I have escalated my concern to supervisors, requested to speak with management and submitted a secure message requesting my concern be reviewed this is the response " Date : XXXX XXXX From : Chase Online Subject : Response to your submission on Chase - We're Listening ( XXXX ) Message : Hello XXXX, Thank you for contacting us. We realize this is important to you and are sorry for the inconvenience this may have caused you. We understand your concern about your account, and it is my pleasure to address your message. We apologize, but we decided not to refund the {$34.00} Insufficient Funds Fees, because we refunded a similar fee for you on XX/XX/XXXX. At this time, the account does not qualify for a fee refund. XXXX, the routing number pre-filled on the document is based on the location where the account was opened. Here 's how you view your complete account and routing number on chase.com : 1. Choose the tile for your account. 2. Click the " Things you can do '' drop down menu next to the last four digits of your account number. Then, click the link to show your full account and routing number. - You'll see your account and routing number in a new window. You can also see your account and routing number on the Chase Mobile ( 1 ) app. Here 's how : 1. Select the account. 2. Tap " Show details '' underneath the account details. You can find your complete account number at the bottom of your checks and at the top of your account statements. You can also find your routing number on chase.com by searching for " routing number '' in the search bar. We value our relationship with you and thank you for choosing Chase. Have a wonderful day. Best regards, XXXX Chase Email Servicing | ||||||
| 05/13/2022 | Yes |
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| On XX/XX/2022 I was a victim of bank fraud, identity theft that occurred because I was trying to get a personal loan through a company called XXXX XXXXXXXX XXXX. My complaint is against JP Morgan Bank, their carelessness, inconsistent information, reversals on ACH transactions disputed by the fraudulent loan person from XXXX XXXX XXXX ( which does exist ) lack of protection for my account and complete mishandling from the beginning. I am having to declare bankruptcy and might lose my car. I reported fraud to the FBI, report # XXXX, the XXXX XXXX XXXX. case # XXXX and my last interaction with JP Morgan Chase and their Executive Office case # XXXX. I also filed s report with the XXXX on XX/XX/2022. These are the events that occurred : I believed I was approved for a loan up to {$5000.00} by XXXX XXXX XXXX after filling out an online application. I was called on XX/XX/XXXX th by a XXXX XXXX, ( who does not exist ) He informed me in order to receive the loan, my credit needed a boost and in order to do that, he needed my personal checking account number and social security number. He said XXXX XXXXXXXX XXXX would transfer a verification amount of {$1000.00}, and that I needed to wait an hour, then refund it back to them. When the funds came in, he directed me to send it back via my debit at XXXX with s barcode he sent me. Thus began a awful chain of events which has resulted in a - {$4700.00} against me in my personal checking account at Chase. XXXX impersonated me online and disputed all ACH transactions from a CLOSED loan with XXXX XXXX. He also disputed my therapist transactions and my first 2 transactions on my refinanced car through XXXX XXXX XXXX XXXX for XX/XX/2022 & XX/XX/2022. Chase then isdued temporary credits to my account. It was these funds that XXXX used to pretend he was giving me a loan. The irony is thst my new car loan XXXX were the ones who alerted me that my payments were rejected and that is how I discovered the fraud. I first met with my local banker at Chase to find out what had happened. She put a freeze on that account and then advised me to open a new checking account which she said was separate from compromised account, which I should have never done, and she turned all information over to Chase Fraud. I can not even describe the tears and frustration I have cried, the fact that I am now so in debt I can not buy food regularly and may lose my car, filing bankruptcy and have repeatedly taken small payday loans just to get to work.My son is paying our rent. By opening new account, I thought I could safely deposit funds, make a car payment and pay bills. Also during this time my tax refund was direct deposited and all was lost as Chase determined fraud was my fault ultimately, and they rolled the negative balance of compromised account into my new account which then put that account into a negative balance and my third car payment to XXXX did not ho through, all my bills were rejected and I accumulated fees from thise merchants. I confronted Chase, who informed me they paid XXXX and 2 other ACh transactions that had been disputed by XXXX, but refused to pay XXXX or acknowledge the mistakes made along yhe way, opening new checking or that the fact I lost my tax return as well. I repeatedly submitted information to Chase, filed police & FBI report and have since giled report with XXXX which led to the Executive Office of Chase decision to look into the fraud. Their determination was I was responsible because I used my debit at XXXX to send funds back to the fake lender ( which were my own ) in the very beginning. I was also informed that I called and CANCELED my claim. Now I am furious. I asked for proof since all calls are recorded. They have not provided it, also I asked them to reimburse XXXX for the first transactions that were disputed by fraudulent XXXX and I asked for documentation that fraud occurred so I could submit to the IRS in hopes of recovering my tax return. They have done none of these things only left a voicemail saying they determined upon review that I canceled claim and therefore am still responsible. Of course I now bank elsewhere, at XXXX XXXX XXXX XXXX, and the only bill I can keep up on is my car loan which I am 60 days behind on due to this. I am only able to pay my current utilities and my son has been paying our rent. I have all documentation and bank statements to support my complaint. I am filing this complaint because I hope others like myself, who lost job due to COVID, suffered great personal tragedy as a result and XXXX XXXX, will not make the same mistakes I did. | ||||||
| 08/07/2021 | Yes |
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| ( NB : Please note that many of the problems below concern 5 different accounts I have with JP Morgan and Chase. I will only enter it once, here, however. ) I have been disconnected twice on phone calls with Chase today and spent a total of 59 minutes and 37 seconds, or roughly an hour, on three different calls about credit cards with it. After all of this, the last representative I spoke to said he had no way to pass on my concerns to anyone else at Chase or its credit card divisions, despite an announcement at the beginning of the call saying that the call might be or would be recorded. The rep told me that I would have to repeat it all, for a 4th time, to someone else, to escalate the call. I told him that I had no more time to do so and that I would file this complaint instead. The use of my Chase freedom card has been plagued with problems from the beginning. Today I asked that it correct two lingering ones but the people I talked to either disappeared in disconnected calls that seemed to be out of the country, or said, as the last representative did, that he had no way to pass on my concerns. The first two calls I made were to XXXX and the third was to XXXX. None of them addressed the problems I am writing about here. The first call reached a woman who sounded like she was in XXXX XXXX. The second sounded as though it reached a woman with an XXXX accent and the third reached a man with an XXXX accent. My Chase Freedom card will not allow me to make payments from Chases online bill payment system that, for all other credit cards, including one other one with Chase, I use to make electronic payments with. The online bill payment system allows me to see all scheduled payments together and requires that I access it only once for numerous accounts paid through it. The Freedom card prohibits me from using this system and will only allow payments from its own peculiar, hard-to-access and not-readily-visible payment system. It requires extra work and will not allow me to see all payments together. The result of this peculiarity is that I missed one payment, incurred late fees and interest charges which I may have gotten reversed previously, at extra time and effort. Other times, the incompatibility of the Chase Freedom card with Chases own online bill payment system, and the difficulty it causes, results in over payments. Presently there is over a {$210.00} credit on this account because of it. In either case, its refusal to accept payments from online banking 's bill payment system, are not conducive to easily being able to plan and manage all payments and cash flow as a whole. I also was told by two different representatives today that my cell phone is not verified. The third rep told me that this is why the automated system announces that my Freedom credit card is not in its system when I enter the last 4 digits of the Freedom card, after I am prompted to do so. The inability of Chases, sprawling, unmanageable and unintegrated divisions also seems to explain why two other reps were prohibited from sending security codes to the cell phone I talked to them on. I mentioned the problem of Chase not recognizing my cell phone number, despite the fact that I have entered it more than once in the personal profile information section of online banking previously to the CFPB. However, in a marvel of poor judgement and practice, it ignored this information in the last complaint that I filed. Here it is again in a different form, causing problems for a different issue. ( The last time the CFPB failed to investigate the problem about Chases computer not recognizing phone information that is entered into the online profile, it was about Chase not allowing me to make XXXX payments. When I attempt to do so, the online banking area for XXXX payments announces that my cell phone number is not a cell phone number. But the CFPB could not be bothered with this telling detail that suggests more basic IT problems at Chase and the minions of its 2000 plus, poorly to unintegrated divisions and entities. ) So several apparently inter-related problems that need investigating is why Chases ( 1 ) XXXX payment system, ( 2 ) its automated call systems, as well as ( 3 ) its Freedom card customer service division, do not recognize or pick up the cell phone number entered into the profile section of online banking? Why does the CFPB allow JP Morgan Chases poor, unintegrated computer systems to dump extra work and undue burdens onto its customers who get ensnared in the problems the company irresponsibly sloughs off for its customers to contend with? | ||||||
| 03/01/2018 | Yes |
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| NOTE : THIS IS NOT A DUPLICATE. IT IS A NEw COMPLAINT XX/XX/18 Case # : XXXX New Case # : CASE # XXXX XXXX Dear CFPB I recently reviewed my phone records. I attempted to call you XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have attached phone records. During my repeated attempts to reach you, most of my calls went unanswered, and when you did response, extensive periods of time, i.e. weeks passed by. I made my intention to dispute the following charges clear, and our conversations were recorded. At no time did you indicate that I was nearing a time limit for the dispute, which was unethical. Because you called me before I called you back on XX/XX/XXXX ( which would put the dispute starting at XX/XX/XXXX ), I believe that all charges since XXXX should be disputed. I am entitling XXXX XXXX XXXX and XXXX XXXX XXXX to serve as representatives to argue on my behalf. I would like your supervisor to call me back directly. Otherwise, either XXXX XXXX or XXXX XXXX will be calling the Executive Office after the holiday. Thank you, XXXX The following reflect all of the charges made by XXXX XXXX XXXX that I am disputing for the following reasons : 1 ) I recently learned that XXXX XXXX had his medical license revoked in New Mexico, holding only a Florida license. As you see from below, he charges from multiple different states, an odd practice in my opinion, but one that is commensurate with his fraudulent behavior. 2 ) I also recently learned that he was sentenced to several years in prison for $ XXXX worth of XXXX fraud. XXXX XXXX has a robust history of committing fraud. 3 ) In terms of my case, I was incredible ill secondary to XXXX XXXX XXXX. XXXX XXXX erroneously diagnosed me with XXXX XXXX and put me on an aggressive regimen of XXXX, nearly rendering me XXXX. He also obtained his products outside of this country ( XXXX, XXXX ), thereby practicing outside of the conduct of XXXX medical standards and ethics. 4 ) Furthermore, XXXX XXXX clinic was purported to perform stem cell therapy. I was forced to pay for services in advance. After the fact, I learned that he did not indeed perform stem cell harvest but rather electrical stimulation of stem cell using a series of unapproved electrical devices/machines, none of have shown any benefit in any patient or in any trial. 5 ) XXXX XXXX services were not indeed medical as advertised, and he maintained no medical chart on me to document my visits. He has absolutely no evidence documenting legitimate services, patient progress, treatment plans. There are no standard history and physical notes with assessment and plans along with progress notes to document continuity as would be encountered in ANY standard or alternative medical treatment center or private office. In fact, I have no recollection of signing a consent form, just paying inordinate amounts of money for fraudulent therapy. XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$380.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX FL {$10000.00} XXXX SQ XXXX XXXX XXXX XXXX, FL {$5000.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX CA {$3900.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1700.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX NM {$250.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX NM {$250.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX FL {$250.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX FL {$250.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1700.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$2400.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$3100.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM {$1500.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX, FL {$4700.00} XXXX SQ XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX GOODS Tot : {$86000.00} Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX, XXXX | ||||||
| 10/01/2023 | Yes |
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| XXXX Ten fraudulent charges appear on my Chase account. All were for XXXXXXXX XXXX XXXX XXXX XXXX Three charges for {$49.00}, Six charges for {$9.00}, and one charge for {$8.00}, totaling at {$210.00}. At XXXX that day, I received a text from Chase Fraud saying Chase Fraud XXXX We declined {$85.00} with card ending XXXX at XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one that you should receive in 5 to 7 business days. Msg & data rates may apply. I replied at XXXXXXXX XXXX with NO. The delyed reply was due to me being asleep when the initial message was sent. The reply i received was, Chase Fraud : Thank you, we will close your card and send you a new one that you should receive in 5 to 7 business days. If you recognize all the other charges, you don't need to do anything else. If you see other charges that aren't yours, please call us using the number on the back of your card. I then proceeded to call Chase and make a fraud claim as the amount listed in the text message was not aligned with the total amount that was missing from my back account. Chase told me that it appeared to be digital wallet transactions and that they would look into the situation. They credited me for the missing funds. Important details I included when informing chase is that I hadnt been to New York recently at all, and that the transactions previous and immediately following the fraudulent charges were from my actual location, Nevada, to be be vague. XXXX XXXX XXXX I checked my bank account on a whim, and noticed that the funds I was credited for the fraud situation were reversed the previous day ( XXXX ). I received no email, no text message, no in app notification of this, I simply happened to notice. This then lead to a series of phone calls. The first was a phone call to Chase Bank, asking what the reason was for my claim to be reversed. The first person that I spoke to essentially told me that because the issue stemmed from my digital wallet, there wasnt anything they could do. I asked multiple times on why, if that was the case, they looked into the claim in the first place since they were aware the issue stemmed from my digital wallet. The same answer was repeated and I was told to call the support for the digital wallet ( XXXX ). When I asked this person for the number, his response was to XXXX It. The next phone call I made was to XXXX XXXX. I was told by them that the only help they would be able to provide is with an XXXX XXXX XXXX. If I needed assitance with transactions that occured on my Chase card, I would have to go through Chase. I called Chase back, re-explained my issue, and was met with a similar response as the previous time I called Chase. The difference this time being that the reason it was reversed is because that there is nothing in the digital wallets history that points to the charges being fraudulent. At this point, I asked for this to be escalated to a supervisor. Speaking to the supervisor, she reiterated the point that nothing in my digital wallets history ( logins, password changes, new devices, etc. ) was a red flag, so there was nothing they could do. So I asked If nothing on your end is currently a red flag, then why was I notified by Chase Fraud about the transactions in the first place? The question was never really answered, but the response I was met with is that after the fraud charges occured, nothing else was done on that digital card and that card was closed, and a new card was added into my digital wallet. My respinse to this was Well yes, because you guys deactivated my card and replaced it with a new card in my digital wallet automatically. It was here that the supervisor felt the need to clarify that, We did not do that on our end immediately, that only happened when you made the phone call to make a fraud claim. I brought up the text messages I received notifying me of the fraud, and I was told that If you dont respond to that immediately, we just ignore it on our end, because basically that means that youre not concerned about it. So essentially because I wasnt awake when the charges happened, and I didnt respond to the fraud text fast enough, there was nothing chase could do. And obviously this is completely discarding relevant information like me never having been to New York, not making any recent purchases at a beauty supply type location, never having fraud issues on my account previously, or any other blatant pieces of evidence that would apply for a physical debit card. | ||||||
| 08/06/2021 | Yes |
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| This is specific to the Chase Credit Card company, under the XXXX Chase Rewards Card. At issue is the ability to have a Credit Refund promptly processed and returned to the consumer. On XX/XX/XXXX, I contacted Chase Card Services and requested a Refund of my Credit Balance, which totaled {$6700.00}. I specifically stated that I would like a paper check as, during the conversation, I was told that Chase would send an email and I would need to " ignore '' the email. After which, Chase Credit Services would issue a paper check to my home address. Note that I have been a customer for approx 7-10 years and still receive paper statements from Chase each month. I was also told it would take 7-10 BUSINESS DAYS to process the paper check. After 10 days passed, I contacted Chase Card services again on XX/XX/XXXX and then again on XX/XX/XXXX to inform them I had not received the paper check. A female customer service clerk assisted me the second time and stated that they would cancel and re-issue the paper check. I asked whether Chase would again place it through an email process which I did not want, and she said no. She also informed me that, to her knowledge, there is no way for a customer to Opt-Out of the email process for a refund check to be sent. This shocked me as I originally asked for a paper check and did not want to delay the receipt of the refund amount. I waited until XX/XX/XXXX ( today ) to look into it. I discovered that my credit card statement showed that the refund was placed back into my Credit Card Account on XX/XX/XXXX, which was subsequently placed back into the Credit Refund Process on XX/XX/XXXX. Again Chase Credit Card Services sent an email, and I have until XX/XX/XXXX to " claim '' the electronic check.. I contacted Chase Credit Services again, today. I spoke to a customer services representative ; I explained what had happened and asked where is the original refund amount for {$6700.00}. She informed me that Chase reduced the amount to what was now owed, which was {$1000.00}, and the new XXXX refund would be {$5700.00}. I explained that was totally unacceptable and was transferred to the supervisor, whose name was XXXX. XXXX and I spoke through the entire situation. XXXX stated that because I had called and " re-requested '' the refund on XX/XX/XXXX and again on the XXXX, that each time, it started the process from the beginning again. I challenged that by stating that I did not get another email immediately after XX/XX/XXXX when I called and that the next email came across on XX/XX/XXXX when the " new refund '' was made. I asked him again where is the ORIGINAL paper check and he could not state where it was and suggested that it got lost in the mail, just like the original from XX/XX/XXXX. XXXX stated again that it started the process from the beginning when the Statement date ended on XX/XX/XXXX and reissued the email on XX/XX/XXXX. I asked how I can Opt Out of the electronic option for a refund as a customer. XXXX stated that there is no option to Opt-Out of electronic payment processing. I raised my concern again that it would take 7-10 BUSINESS days, and as such, this appeared as a way that Chase Credit Services could hold a refund and not issue to a customer promptly when requested, that it pushed the statement limit within 19-22 days. I then requested an expedited paper refund of 2-3 days. XXXX stated that he could make that happen. I am at the point where I have to wait again and see if it comes to me. At this point, I am concerned that Chase has created an electronic option that a customer can not Opt-out of to benefit the company, especially when it comes to the Refund of a credit card balance to the customer. I am also concerned that this practice is a way for a credit card company to hold onto the credit balance without having a reasonable expectation of returning the money when owed back to the customer. Finally, a Credit Card company expects a customer to pay the bill on their due date, and as such, I have established through my bank the ability to pay early every month for the past 7 years. It takes 3 days to process, and from the West Coast of the United States, it only takes 3 days to mail a letter to the East Coast. I can not imagine that a company such as chase does not have mail pick up every day or can not process a refund check sooner than 7-10 BUSINESS DAYS. I am sure that I am not the only one this has happened to and concerned for my fellow customers who do not know that can not opt-out of an option refund process, or at least what would be an optional refund process. | ||||||
| 07/25/2023 | Yes |
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Web | Older American, Servicemember |
| I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 4 bank accouts, 2 car loans,3 credit cards, and an investment account with Chase so I am not a new customer.Over the last several months I have been XXXX XXXX XXXX XXXX XXXX and charging my clients credit card through J.P. Morgan Chase card processing to go into my business checking. All those numerous charges for this client have been in large amounts close to {$25000.00}, several were in consecutive days, all went through and were funded right away. On XX/XX/XXXX, after installing the delivery of all the furniture, because there is a {$25000.00} limit per transaction I ran a charge for {$25000.00}, and a second charge for {$24000.00} and the 2 transactions totaled the amount owed. I was scheduled to leave for the furniture market in XXXX on Tuesday XX/XX/XXXX, and on XX/XX/XXXX at XXXX at night an email was sent to my husbands address ( which has never been given to Chase ) that WEPAY was holding the deposits and they wanted verification. Well you can't talk to anyone there, so the morning of the XXXX we went to the bank and met with XXXX and she called " XXXX XXXX '' and was told that they were stopped because we put through 2 charges, and we were only allowed 1 {$25000.00} charge a week. First I was NEVER told that, and second, several of the charges went throught before in the same week to this very same client. So while there I sent in the 2 invoices and a ledger sheet for the client, and she told XXXX that the 1st deposit would be approved and would fund at XXXX on the XXXX. So I drove to XXXX 2 hours late, thinking it was solved. Well it DID NOT deposit on the XXXX, and nobody even had the courtesy to inform us, so we called XXXX and the branch manager, and they said they could do nothing, and I should call the supervisor at XXXX XXXX This was a conversation out of the twilight zone. After putting me on hold for 20 minutes he comes back and says that they reviewed the 2nd dposit and approved it and it would fund to my account at XXXX on the XXXX and that he had no idea when they would review the 1st dposit or when it would fund. Excuse me... I asked him, please explain WHY WOULD THEY REVIEW THE 2ND DEPOSIT FIRST??? And why woul n't they go ahead and deposit it because I was entitled to XXXXne deposit the first week instead of holding it for another week. His explaation was that it made sense because they could do it that way if they wanted. WAS that justification???????? So I said that it made no sense and that he was a supervisor and he should have the authority to fix something if it wasn't handled properly. He said he didn't have that authority ... ... what is the title " supervisor '' just a joke? That's waht a supervisor does so I asked to speak to someone over him, and he said he was it ... .nobody with more authority. Oh and he said he had to protect himself from me. He was worried that he had to protect himself from a XXXX XXXX XXXX XXXX who has multiple accounts with the bank, a credit score 0f XXXX, and who had put trough {$100000.00} worth of charges on the last 6 months mostly from this client. Well he lied, nothing funded on the XXXX, and we are now at the XXXX, not XXXX XXXX went into my account, no communication from anyone at the bank, or WEPAY, or XXXX XXXX ... ... just silence, except a notification that my account was overdrawn, because I had written checks to vendors that would have cleared if the money was in my account that was supposed to be in my account. And this is what is REALLY TAKING PLACEXXXX XXXX XXXXXXXX XXXX got caught scamming people by double charging fees and overdrafts etc, but Chase is scamming their customers in a much more subversive and sneaky way ... ... ..they are targeting large credit card deposits for review and holding the money that has already been funded to the bank and they are earning the interest on it instead of the customer, and yes it isn't a significant amount if it's just one deposit of {$50000.00}, but if they are doing this to hundreds of customers across hundreds of locations, well XXXX always said nickels make dollars! They have almost {$50000.00} of money I worked hard for over a year to earn, and they are keeping it with no regard to what significant harm they have done ... ... I wasted 5 days in XXXX because I couldn't place orders and conduct business with my account being compromised by the bank, They have shown a complete disregard for my business, for my personal well being, and have failed to show even the slightest logical reason for holding those funds. | ||||||
| 07/17/2017 | Yes |
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| XX/XX/XXXX I, XXXX XXXX and my wife XXXX XXXX XXXX ; decided to inquire about putting our residence located at XXXX XXXX XXXX XXXX . XXXX , AZ XXXX for sale. During this process, we provided our title company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . authorization to start the selling process. XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX provided my son XXXX XXXX XXXX , daughter-in-law XXXX XXXX and myself with a copy of a Subordinate Deed of Trust, a lien against my property in the amount of {$18000.00} that is related to a home loan modification that I completed on XX/XX/XXXX XX/XX/XXXX Du ring the day, I called Chase Bank Mortgage Department at XXXX and provided my daughter in law full authorization to discuss the modification that was processed. She was advised that there was no lien processed on their end and that they didnt show any amount close to {$18000.00}, the representative directed us to go into the branch where I signed the modification package and to ask them to provide me with a break down of why I have a lien against my property. During the same day, XXXX , XXXX and I went to the Chase Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX and requested to speak to a Manager. We where directed to speak to XXXX XXXX who we were told was the Branch Manager. I started to explain my situation to XXXX while he was verifying my identity and said that he would prefer to speak in professional XXXX terms, so I advised him to speak to my daughter in law XXXX XXXX . XXXX then started to explain that we had contacted the Mortgage customer service number and they where unable to locate a lien or an additional balance other than the loan balance. XXXX than said that he saw there was a loan or refinance done on the property, therefore, the amount of the lien was the amount that was not paid in its totality. XXXX then asked XXXX if there was any way for us to obtain copies of that loan to evaluate the documents because I was sure there was no loan processed for my residence. XXXX then said that it was not a loan ; it was part of the modification that was completed back in XX/XX/XXXX . I advised XXXX to ask him for a copy so I can review the forms they had on file to the modification documents I was provided because I was never informed that there would be a lien on the property nor, that there was going to be an outstanding balance for the amount of {$18000.00}. XXXX said that he would contact the Mortgage Department and was advised that the fax would come in within 24-48 hours. I asked XXXX to ask if there was anyway to provide me with a breakdown of how Chase came up with the sum of {$18000.00}, XXXX , at this point got upset and said that it didnt matter, that I had signed the documents and that it wasnt his fault whether the form was falsified or not because it looked like I couldnt read anyways. XXXX then asked how that was relevant to the conversation we were having, XXXX then said that there was nothing else he could assist us with because the mortgage department was not able to provide him with information on the lien either. XX/XX/XXXX XXXX , XXXX and myself went back to the bank to obtain the copies that the mortgage department sent. We asked for XXXX and he advised that he reviewed the documents and that there is nothing in the modification package that would relate to the reason why we had a lien against the property but that as he had said before, I had signed the form and there is nothing I could do. I asked why the notary had made a mistake on the date and the verification form says that the dates where verified and that the date was correct and it seemed inconsistent. XXXX said he didnt know how to answer that question. XXXX then said that she was going to file a complaint for the poor customer service and for the lack of information on the lien. We were then moved over to the Branch Managers office, XXXX XXXX XXXX , in which he told XXXX that I was XXXX , it was now their money because I didnt know how to read. I understand and speak little XXXX , so I know what was being said, however, it is disappointing that I am not getting anything resolved. I humbly request that you assist me in clearing up the lien against my property. It is not part of my modification. I also request that these employees be talked to for the lack of respect they had towards me. I felt humiliated and unworthy. Best Regards, XXXX XXXX | ||||||
| 11/11/2023 | Yes |
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| I would like to appeal the decision for claim # XXXX. When I called to change the date it was within hours of my online reservation. I was told I had XXXX hrs to cancel. I was told XXXX would provide me the resorts answer within XXXX so I could cancel if they wouldnt agree to change the date. XXXX did not contact me with an answer within XXXX hrs. When they did contact me it was to tell me they were escalating the issue. My credit card was charged for the XXXX package a total of {$5900.00}. On XX/XX/XXXX I received written correspondence that the hotel would give me 60 days to change the stay date and to call them if I wanted to change the date. XX/XX/XXXX, I called to change my hotel date per my written correspondence. The rep said she needed to change my flight first but since its now over XXXX hrs ( because they didnt contact me in time like they said they would ) I would have to pay a change fee and flight difference. I said okay but you are changing the resort stay dates, too? Yes, flight first. She changes the flight and charged me an additional {$120.00} per person ( {$250.00} ). Then once completed puts me on hold and says she cant change my resort days. So now I have mismatched resort and flight days. I ask to talk to a mgr and the rep said she would escalate this for me. XX/XX/XXXX I receive written correspondence that says they cant change the resort day even though 4 days prior the written correspondence says they could and I had 60 days. I called to chase to dispute and was told I could only dispute the resort even though it was a package deal. I was provided with a temp credit for resort only ( {$4700.00} ) because although this was a package deal XXXX charged my credit card individually for flight and resort ). XX/XX/XXXX I received an email stating XXXX is canceling my resort stay. XX/XX/XXXX I receive documentation from chase I lost my dispute and needed to pay the credit I was given ( $ XXXX-resort charge only ) .I paid it. Saturday, XX/XX/XXXX I call XXXX to confirm my dates since chase said I couldnt dispute the resort and made me pay it. The report said I had been canceled and did not have a reservation. Saturday, XX/XX/XXXX, I called XXXX they told me because of my credit card dispute they canceled my package # XXXX which included my flight and resort. I asked about the refund and they told me they had already refunded my bank account and they couldn't tell me anything else because it was with their accounting department. On Monday, XX/XX/XXXX I called Chase to dispute the department, and a very rude male representative told me that they didn't have any credit or gas and they received any money. He went on to say it was my fault because the trip was nonrefundable. I told him I never asked for anyone to cancel anything. My only request was to correct my hotel dates to match my flight dates. It was not my fault to ask them to change the trip date by one day when I had received written and verbal confirmation they could do this within 60 days. I called the very same Day and was told they had to change my flight first and charged me an additional {$120.00} per person. Then didn't change my resort dates like the written communication stated. Furthermore, they canceled my resort and flight without my request. Now I'm out {$6200.00} and I don't have a flight or resort for my XXXX wedding anniversary. The gentleman said there was nothing he could do. I told him I had written correspondence that they canceled and refunded my resort. He said to send in the email. I did. On the evening of Monday, XX/XX/XXXX I called and spoke to a manager. She gave me a temporary credit for the original flight charges and opened a dispute because the flight was canceled without my knowledge and I hadn't received a refund. She told me I would have to write in for the {$250.00} ( {$120.00} XXXX ) charge because I was charged additional money for the flight that was canceled without my knowledge, or consent. She said she couldn't do anything about the resort. I would have to wait XXXX hours after I submitted the email that showed they canceled the resort and said they were refunding my original form of payment. I have been battling this horrible experience since XXXX. I paid the money to my credit card immediately after my charge and have been without the {$6100.00} and without a vacation. No one cares and just blames it on me or XXXX. I'm pleading for someone to make this right. I've saved for a Long time for a XXXX wedding anniversary vacation and have only had heartache and been without my hard earned money. | ||||||
| 02/22/2018 | Yes |
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Web | Older American |
| On the evening of XX/XX/XXXX I received an audible XXXX pop-up while using my laptop. My laptop was locked out, and nothing I tried to get it back worked. Therefore, I reluctantly, called the number on the pop-up. The person on the other end said my laptop was out of warranty ( I knew that ), then I was told that a company called " XXXX XXXX XXXX could fix the ( so-called ) virus that was running through my laptop. I was pressured by the person to get the problem fixed. I asked how much and was given a ridiculous fee of over {$1000.00}, and I said, " Look, I'm over XXXX yrs. old and trying to work for my retirement, and am not able to justify that amount. '' I kept asking if the company was reliable, and of course they insisted that they were on the up and up. As much as I wanted my laptop unlocked, I really felt uncomfortable about giving in to them. I felt quite trapped by them. So I went through their process of signing and giving them the credit card number and allowing them to take it over and install the malware that ( I was charged {$940.00} ) After the whole incident took place, around XXXX XXXX or so, I immediately called Chase/Slate Credit Card Company to let them know what just transpired. The girl I spoke with gave me the number for the Dispute Dept. and said to call first thing in the morning, which I did. I called either XXXX or XXXX XXXX and explained my unfortunate situation. I explained what happened and told them I signed and charged the services but believed it was a scam, mainly due to the " XXXX Pop-up '' that came out of the blue. I know the transaction could not have gone through the system to pay XXXX XXXX XXXX via XXXX. Furthermore this was XXXX XXXX XXXX. I acted on this immediately, and was told to send whatever proof I could send. So I took my laptop to XXXX XXXX ( XXXX, PA ) XXXXXXXX XXXX, and the tech on XX/XX/XXXX ( XXXX ) listened to what I told him happened, and he agreed that I was scammed and that they were very familiar with the type of scam I fell victim to. He told me that there is no way that what they installed costed that much. He said they were very good at what they did by using the companies they used to scam me. I have been through XXXX trying to have the charges reversed because of the fact that I was taken advantage of. I have filed a complaint against the company, XXXX XXXX XXXX to the IC3 via the FBI, CFPB, FTC, filed a police report, and faxed all the the documentation and a document from the FTC found online regarding the exact incident that happened to me. I have faxed and written letters and the last letter to the Credit Card Company I hand wrote to them requesting that they reverse the charges since this was definitely a fraud. No one will do this for me. I have been a customer of this company even before they bought the last company I was with. My good credit is important to me as much as seeing justice in this incident. Why did they pay scammers? They said the XXXX XXXX company had more information to prove I signed and agreed to their services without taking into consideration that I am a good customer, that fell victim to a scam artist. I acted on this immediately and thought that from XX/XX/XXXX. to XX/XX/XXXX that this was being investigated. I sent them the statement from the XXXX XXXX, only to find out in XX/XX/XXXXthrough a letter they sent comparing my statement to the phony documentation about me signing their agreement. Also, I have gotten no where with the Dispute Dept., who I spoke with today ( XX/XX/XXXX ). However, when transferred to the Fraud Dept., I spoke to a man named XXXX, and he told me that the XXXX XXXX XXXX company was " Bogus '', and when I asked him if I had to pay the {$940.00}, he said, " No, don't pay it. He then transferred me back to the Dispute Dept. and I spoke to a gal named XXXX, who said the Dispute Dept. decided that the evidence was stronger from the XXXX XXXX XXXX and they were sorry but the amount of {$940.00} was remaining on the statement. I also spoke to XXXX or XXXX the supervisor of the Dispute Dept. and received the same information. No one will reverse the charges. I told them I can not justify paying a scam artist, but they don't see it that way. They only see what they want to see. With all this being said, I want to add that had I noticed that something was not right with my laptop, I would have called someone on my own for help. I acted out of fear, and the credit card company knows that. FYI, I also called XXXX that evening and they said they do not place Pop-Ups on any computer stating that there is a virus. | ||||||
| 03/13/2023 | Yes |
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| For over the past 2+ years I have been paying on my HELOC with Chase an ADDITIONAL amount, every month, of approximately $ XXXX month beyond the minimum monthly payment of approximately $ XXXX, and expecting that that additional $ XXXX beyond the minimum would be AUTOMATICALLY applied to reducing the principal balance. ln doing so, I have been using my bank 's online bill payment service ( this bank account is not a Chase bank account ) for nearly all of these payments. ( A few were made over the last few years directly at a Chase branch bank. ) With the exception of this one, and including 5 other prior months payments during this time, ALL others made this way have ALL posted correctly. In other words, the additional amount of around $ XXXX over and above the minimum payment of around $ XXXX had ALWAYS been fully applied toward the principal balance, thus effectively reducing the amount I owed on the HELOC ( which also reduces the time for paying it back ), and subsequently the interest calculated and charged for the following month. I was under the impression that ANY AMOUNT beyond the minimum payment was AUTOMATICALLY put toward the principal. However, in getting my documentation ready for this years taxes, I reviewed on-line my Chase HELOC records for the past 2+ years. In so doing, I noticed something that I did not expect, nor did I even understand. So today ( XXXX ) I called Chase customer service to find out WHY the EXTRA {$610.00} amount I paid for last month was not applied to the principal for my XX/XX/2023 payment. Why did they apply ONLY {$220.00} of the {$1000.00} I sent toward the principal, AND then " make '' 2 other monthly payments : one for the original minimum due of {$380.00}, AND ANOTHER payment for {$380.00}. The payment was not late! I first spoke with XXXX about this issue. He agreed that the additional {$610.00} for my XX/XX/2023 should have been fully applied to the principal. He advised me that he would, or did, put in a work ticket to correct this processing error for my XX/XX/2023 payment. He said the full amount of the {$610.00} would be applied and credited toward the principal balance. But the only explanation I was given as to why this happened ( and had happened in the past ) is, " that is their computer process. '' So evidentially because I do not SPECIFICALLY designate the additional amount to be applied to the principal, they split it into three payments totaling the {$1000.00}. My questions were simple : XXXX. Why is the OBVIOUS extra payment NOT AUTOMATICALLY put toward the principle? ( Why would I NEED to designate it as such? That would be the most logical application of the additional amount. ) XXXX. Where exactly does the second payment of {$380.00} go, and how is it applied? XXXX. If it was not a late payment, why are they paying {$380.00} ahead for the next month 's payment? XXXX. How can you make me whole with regards to lowering the principle amount, which would lower the interest charged, and the time remaining to pay it off- over these past XXXX years? ( The point of paying down the principle is to reduce the interest. ) He was simply unable to give me any clear explanation regarding these questions, other than that's how " our system, process, works! '' When I asked for a supervisor, I was transferred to XXXX. When I asked her to " make me whole by correcting the previous 5 or so accounting errors like they could do, or will/did for the one in XXXX, '' she said they CAN'T go back more than 90 days. When I asked why not, she asked me if that was a " bank error '' and that I should have be using their Chase online payment option or go directly to a branch location for payments. I don't find doing it that way from now on to be a problem. I will make sure from this time on to TELL THEM that the additional amount NEEDS to be put toward the principal. I did, however, say that I believe it is a computer set-up processing problem that should be corrected. But she told me FLAT OUT that they WILL NOT go back beyond their 90 days " policy '' to correct the issue for me, or even look into and give my an explanation I can understand. For me it is either a POLICY issue, or just laziness ; neither of which is acceptable, nor should it be, to me. This is just another scenario of how big banks misuse, misinform and/or simply take advantage of average customers with NO ACCOUNTABILITY. That is why I am taking the time right now to share my frustration and submit this claim. The old adage of : " If you can't convince them ... CONFUSE THEM '' is highly appropriate in this instance! | ||||||
| 06/06/2023 | Yes |
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Web | Servicemember |
| After having been away from Chase Bank as a depository customer for several years due to bad service, incompetency and apparent corruption, I decided to take advantage of a new depository offer that promised a bonus if certain products and balance requirements were met. On Friday, XX/XX/XXXX I used my existing Chase online profile ( I had a current credit card account ) to open a checking and a savings account. Later that afternoon, I withdrew the entire balance of my cash savings from XXXX XXXX and went into my local Chase Bank in XXXXXXXX XXXX, CA to deposit it into my new savings account ; {$16000.00}. I told the teller that this money was coming from my savings account at XXXX XXXX and that I was depositing it to meet the balance requirements of the promotional offer I'd received. She stated that the majoring of the funds would be restricted for a few days while the money cleared. I stated that was not a problem. Upon exiting the branch, I decided to try to set up automated transfers between XXXX XXXXk and Chase Bank via the Chase app - this would allow me to move any remaining funds in my checking account without running around town with paper checks. The transfer " test debits and credits '' appeared to fail, so I abandoned the attempt and decided to simply deal with moving my money after the next pay period that ended on XX/XX/XXXX. The following week, I updated my paycheck information via my employer 's payroll site. I added my new Chase Checking account and made it my default deposit account for my paycheck. I was unaware during this entire time that Chase had flagged my new accounts for fraud. Apparently, my large deposit into the savings ( a balance amount that THEY required in order to qualify for the new account bonus ) in combination with the Chase app 's failure to link to my XXXX XXXX account triggered some sort of fraud scenario. I went out of town on Thursday, XX/XX/XXXX for an extended vacation for XXXX XXXX. On XX/XX/XXXX, Chase generated a generic, boiler-plate letter that was sent to me regarding the fraud scenario. This letter likely arrived on the morning of XX/XX/XXXX, but I was already away on vacation. This was the only direct communication from Chase suggesting that there was a problem with my accounts. On the night of Tuesday, XX/XX/XXXX, I checked my Chase app to see if my paycheck was deposited successfully. To my surprise, my checking account had disappeared from the app. On Wednesday morning, I called Chase to begin what was to be a 4 hour phone call where I was passed between no less than three departments and five different people. The last person I spoke with, who was in the Fraud Department, asked for information about the large savings deposit and about the micro-transactions related to the failed external account linking. This person, XXXX, then stated that he was submitting a request that my accounts not be closed. I advised XXXX that my paycheck was supposed to arrive today, Wednesday, and that I had monthly bills coming due on Saturday, XX/XX/XXXX. On Thursday, XX/XX/XXXX, I woke up and checked my Chase account immediately. Now, to my horror, I discovered that Chase had closed my Savings account as well - it was not present on the app or online banking. Now, I had no paycheck and no savings ; effectively I did not have money to pay my upcoming bills. Another three hours on the phone with Chase... I was eventually elevated to an " executive complaint department. '' They took my information and gave me a case number ( case # XXXX ). Still, no promise of a reversal of my account closure ; no promise to return my savings or capture my direct deposit. Early on Friday, XX/XX/XXXX, another representative ( XXXX ) called to state she was working on my case. I reiterated my complaint, the entire sequence, my emotional state of absolute disgust and anger, and that I needed to have this all corrected by XX/XX/XXXX in order to pay my bills. It should be noted that, in between attempting to resolve the problem with various customer service entities that constitute the sea of confusion that is Chase Bank, I also engaged local branch managers at both the XXXX XXXX XXXX branch in XXXX, CA and the XXXX XXXX branch in XXXXXXXX XXXX, CA. While both managers attempted to help, neither resolved the issue. It is now late night on Monday, XX/XX/XXXX. Still no corrections of any kind in the Chase system related to my account. This is unacceptable and seems to border on criminal. Please advise on next steps. I may be at risk of defaulting on some of my bills at this point. Thank you. | ||||||
| 07/18/2023 | Yes |
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| I lost two credit cards from Chase Bank, and they told me that it was my responsibility, but I did not make the transactions. I found out they were lost when I looked at my bank statement at the end of XXXX. They said that it was over 90 days, but I reported it for XXXX only. Either they made a mistake, or the representative that I spoke to over the phone made a mistake. These are for my accounts with card numbers XXXX ( currently XXXX ) and XXXX ( currently XXXX ). I lost both my cards around XXXX, it seems, and I might have dropped them, they fell out of my pocket, or someone pickpocketed me since I usually store some cards in my back pocket. I also believe the representative handling my case reported inappropriately since the Chase Freedom ending in XXXX was reported as fraud dating back into XX/XX/XXXX instead of all of XXXX XXXX XXXX, and I reported it stolen in the middle of XXXX when I got my statement in the Mail for the closing date of XX/XX/XXXX ( I got it around XX/XX/XXXX, in the mail ). Chase Freedom ending in XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted my refund for all the transactions listed since I did not make those authorized charges. Every transaction should be refunded to me. I tried talking to Chase, and I submitted a reopen with the bank, but I wanted to reach out to you in case they didn't resolve my issue. I heard that this is common with Chase Bank, so I was advised to file a complaint with you. I don't have any documents with me since I can not access them, but I do have bank statements, if that helps. | ||||||
| 09/13/2022 | Yes |
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| Chase will not remove stored access to my Freedom Unlimited Card, despite me asking it to several times, after I have asked merchants to do the same. I am not comfortable with having so many sources I do not want to have access to my card clinging to it after I use it once. In many cases, not only have I told merchants to stop storing my credit card, but they have repeatedly lied in telling me that they do not store it. Following are details about this. As of today, Chase online banking indicates that the following merchants have stored my credit card information for automated billing to my Freedom XXXX card : AARP, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and no fewer than SEVENTEEN different Amazon sources that charge my card automatically. I have repeatedly told AARP, XXXX, XXXX and XXXX not to store my card and personal information repeatedly been told by them that they do not store it. As of today and previously, Chase claims that they do. I have explained repeatedly to all of these companies, including to Chase Freedom XXXX, that I do not want the additional security risks each burdens me with by clinging to or, the case of Chase, enabling the storage and automated use of, my personal, financial and credit card information in a multitude of electronic databases whose cyber security I do not trust that claw out automated access to my card. I am outraged to be exposed habitually and wantonly to the increased risk of cyber crime and financial abuse, including the systematic lying about whether or not these companies store my personal and credit card information. They all, including Chase, see storage of automated use of stored information to be a corporate entitlement. It is nothing more than consumer abuse at the hands of companies that increasingly want something for nothing, as long as they can pass on real costs of their injurious systems and procedures to their customers. Concerning the out-of-control financial predator and illusionist, Amazon, the CFPB should require Chase to permit Amazon one and only one source for billing, not 17 and more. This is necessary to allow customers to even begin to make sense of Amazons incoherent, inconsistent, wholly inadequate, information-poor-and-intently-unintelligible charges that show up on credit card bills which Chase then fights to hold onto and blames on Amazon ; this is one coded parasitic system that is sucking the financial health out of consumers that needs to be extirpated immediately without further delay. Chase specifically should be required to cut the umteen and ever-proliferating XXXX feeding tubes between it and Amazon immediately upon the first request from me for my credit card. When the federal government fails to and appears incapable of policing Amazon ; how in Gods name am I supposed to, in this despicable version of kicking the can down the road and passing the buck to the distressed public? Chase should be sanctioned effectively with, among other devices, the graduated foreclosure and real-time calibration of market share percentages for allowing the systemic and widespread abuse of my financial and personal information via the routine and dishonest storage of my credit card information by its merchant partners. Not one of these companies understands the word NO in this context ; need we ask what they dont understand about no? They simply do what is in their quarterly profit-making interests that they can get away with and the entire operations and interactions among them in this area is repugnant since credit card customers are lied to and duped habitually and routinely about it. The CFPB needs to stop Chase from enabling and processing charges from any company that stores my information without my express permission to do so. When I say no, Chase should be required to effectuate the prohibition at its own peril if it fails to do so, instead of allowed to profit from the dysfunction shamelessly as it does now. It is unreasonably burdensome to require that I police these lying agencies with no power to do so, to try to stop them from storing my credit card and personal information. I should have to tell only one source, my Chase credit card, once, to stop storing it and that should be the end of it, such that any credit card company that violates that proscription in any way should have steady reductions in their market share, given that their current practice fouls the market at the expense of their customers control over use of their own credit and exposes them to exponentially greater, wholly unnecessary risk of financial well being. | ||||||
| 12/04/2020 | Yes |
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Web | Older American |
| On Thursday, XX/XX/XXXX, I sent a dispute transaction to Chase Customer Claims XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX for the amount of Amount XXXX. I indicated at that time I was a potential victim of credit card fraud and possibly identity theft. I explained that I had used an online grocery and delivery service on XX/XX/XXXX. I lost connection trying to place a second order and when I got back to it my account had been put on hold. This was after one successful order completion at XXXX. I emailed XXXX, this was the only contact to them at that time. I was told I would need to go through a third party verification site. When I emailed them ( security ) I was told that I would need to send a picture of my ID along with a picture of my credit card. I thought this was unusual and during this time it was being reported to be very careful about this very thing on the internet. I sent them a picture of my DL and told them I was not comfortable sending a picture of credit card and was certain that any and all credit information could be accessed with my name and address and/or from their employer. I was told in subsequent email that unless I did so the hold would remain. I emailed XX/XX/XXXX back and told them what had transpired, I was told that the " company '' I had been in touch with was the last say in their security and if I didn't capitulate my account would remain closed. I had no idea who this third party was. A quick search revealed nothing that I could find about a security company with this name. Being locked out of my account at XXXX effectively locked me away from verifying my payment, the groceries delivered, and was what I was being billed for. I attempted to call Chase immediately and was met with an endless menu of " due to Corona .... ''. None of which allowed me to leave a message or phone number. I attempted to call for the next two weeks and finally gave up and waited for a statement. I would answer that with the problem. In the mean time I found a dispute form on the net, filled it out in detail and waited. When I received statement, I promptly shoved in their dispute form along with my letter, mailed it and waited. What I got back was another statement. Nothing addressing my fears, no indication that the dispute form had been received. In the meantime I am sitting on a big pile of groceries waiting for a receipt I had asked Chase to acquire for me as the delivery person left nothing of the sort and I had no way to validate the money I had spent or if I had given my personal information to a scammer. To date I have had no correspondence from Chase regarding my issue other than a short note telling me that since they " ..had not heard from me they would now consider the case closed. ". This was in answer to the dispute form being sent and a second letter restating my problem and a copy of the dispute form. I sent two more letters during the period between then and now for a total of four. My last was to tell them that since they had done absolutely nothing to help me, not even a note to say sorry can't help and why, just nothing. That I did not feel that they had held up our agreement when I reported a dispute. Never was the dispute even mentioned. They continued to bill me and tacked on late fees. I replied they could take those off until such time as they saw fit to address my worries and dispute. The Fourth and last letter I sent I copied to the headquarters JPMorgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX, registered receipt signature, once again explaining that the account was still in dispute along with a copy of the first letter, fourth letter and dispute copy. I still have seen no evidence that my dispute form had ever been addressed and that as far as I was concerned our relationship was at an end. That they had not done what I considered their job, I was certainly not going to pay them for being rude, dismissive and bullying when I was having a problem. The most recent contact I have had with them is a charge-off threat and threat to further impact my negative credit. I have not seen fit to address that one. I wrote it and it sits here. I am way over trying to get them to do what I considered part of their responsibility to me. All I ever asked for was an inquiry into the security agency that took my DL and a receipt for the groceries, which will do me little good at this late date, as much of that has been assimilated. I do not feel it is right or even legal for them to impact my credit seeing what nothing they have done. Is there anything to work with here? | ||||||
| 07/31/2023 | Yes |
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| On XX/XX/2023, I contacted Chase Bank to request a chargeback of {$1800.00} for a payment I made to XXXX on XX/XX/2023, using my Marriott Bonvoy Boundless Visa card. I made this request because MyEyeDr failed to deliver the promised service, which was a full year of service for a total of {$1800.00}. Despite my efforts to request a refund directly from MyEyeDr, they refused, which led me to approach Chase Bank for assistance. Case # : XXXX Unfortunately, the customer service representative at Chase Bank did not listen attentively to my concerns. Instead, they advised me to seek a second opinion from another doctor. However, the issue lies with the eye doctor 's office not adhering to the standard procedure they had inform me at my first consultation, resulting in inadequate services after the payment was made. During the calls to Chase Customer Service, the representative swiftly opened and closed my case without informing me. After looking into the online status details at Chase website, the dispute amount and dispute reason were both incorrect. Also during the call, I was asked to upload documents for the case to their website, and although I complied, the case was again closed without communication until I checked the online status and called them. The case was closed with an incorrect reason, stating it was a billing error rather than a request for a refund/chargeback due to unsatisfactory service provided by the eye doctor 's office. Nonetheless, Chase Bank insisted on the need for a second opinion, for which it is irrelevant to the situation. MyEyeDr 's failure to fulfill their promised service should be enough to validate my claim. Chase Bank disregarded my explanation and the provided evidence but accepted MyEyeDr 's response, claiming that the service had been fully rendered, and therefore, I must pay. It is crucial to clarify that the {$1800.00} payment covered a full year of service to be paid up front, including follow-up visits, lens fitting, and any service required during the one-year period. However, MyEyeDr only provided the initial class for inserting and removing lenses and the first follow-up visit, both of which fell below the expected standard. During the class, essential eye drops were not provided, despite being stated in their instructions. Additionally, the mandatory follow-up schedule was not followed due to the doctor 's unavailability. There was also no instruction or communication regarding deep cleaning steps until I specifically asked for it, and they printed out a sheet of the box label of the solution for me. As a result, I sought a refund, which they declined, prompting me to approach my credit card company for a chargeback. I provided Chase Bank with all the necessary documentation and a comprehensive explanation of the timeline and incidents. However, Chase Bank still insists they need a second opinion from another eye doctor to verify that this eye doctor is not following the standard practice. Unfortunately, it is highly unlikely to find any doctor willing to bring trouble upon themselves by criticizing another doctor 's practices. Chase bank customer service representative even accused me that I shouldn't pay MyEyeDr if I was not satisfied with the service, I've explained to her that the merchant asked me to pay the full amount at the first consultation. She even told me I should have canceled the service since if they are not good which is contradictive. In reality, I wont know if their service is bad until I had it. The advice that the customer service representative provided is completely non-professional and doesn't even make sense. Chase bank needs to help me protect my consumer rights rather than teaching me not to pay the service and giving me irrelevant advice on how to use credit charge. I have reasons to believe that they did not thoroughly review any of my uploaded dispute letter and documentations, as they asked questions that were already addressed in my uploaded documents and evidence. I am seeking your assistance in asserting my consumer rights. I want Chase Bank to advocate on my behalf, protect my consumer rights, and conduct a thorough investigation into my case to fully understand my situation. I need someone from Chase Bank to genuinely look into my case and recognize that my consumer rights have been violated, protecting me from being abused by unethical merchants. Ultimately, I am seeking a {$1800.00} chargeback, which I believe is justified based on the circumstances. If you need any further information, please let me know. Thank you. | ||||||
| 07/06/2022 | Yes |
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Web | Servicemember |
| XX/XX/XXXX I have been attempting to obtain answers from Chase since XX/XX/XXXX on numerous issues, as per the attached letter/fax of XX/XX/XXXX. After several months elapsed, and numerous requests, Chase did not respond, resulting in a XXXX Business compliant, # XXXX on XX/XX/XXXX. Recently, Chase erroneously told the XXXX that it responded to me on XX/XX/XXXX, which is incorrect, nor did Chase provide that letter to the XXXX, and, no such letter was received by me. The XXXX closed the complaint based upon Chases purported claim that a response was sent to me XXXX despite my notifications to the XXXX that I never received any XX/XX/XXXX letter from Chase. on the numerous issues raised XX/XX/XXXX. The XXXX NY suggested that I file a complaint here In addition, Chases executive office was contacted ( XXXX ) on XX/XX/XXXX, as well as their CEOs office in NY via letter/fa x ( XXXX XXXX XXXX ) requesting a copy of the purported letter of XX/XX/XXXX no response to those requests to Chase. Additional documentation is available, if necessary. It is voluminous. XXXX XXXX XXXX : Dispute Resolution Services Complaint Analyst Phone : ( XXXX ) XXXX XXXX BBB NY ****************************************************************************************************************************************************************************************************** Chase XXXX XXXX via email and fax XX/XX/XXXX Attention XXXX, Manager These ae the unanswered communications sent the XXXX office on XX/XX/XXXX and XX/XX/XXXX, and the ill unanswered follow up on XX/XX/XXXX ( as well as others ). .which were NEVER answered properly, if at all. The failure to respond to the simple request of a return phone call since around XX/XX/XXXX and mis-statements by Chase precipitated XXXX XXXX complain and are, directly caused by the unresponsiveness and/or erroneous statements by Chase, as documented in the XXXX complaint and my communications to .Chase personnel/Executive office, NOT me. Furthermore, as stated in those communications, there have been numerous mis-statements and/or invalid reference to unrelated items, rendering Chase communications as invalid XXXX unresolved as has been previously documented. In addition, You mention a case, XXXX, but did not provide any details on it. predated the phone call to me and may have absolutely nothing to do with that employee. I fully understood from your conversation, wherein you stated there would be more phone conversations. Therefore, I expect an immediate written response to be sent via XXXX, XXXX, or XXXX Priority answering EACH of the issues presented, on EACH letter, on an item by item basis, including this one.. . I want to settle this amicably, as I would hope Chase does, without having to involve other entities ( XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX ATTACHMENTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX cc : via fax PERSONAL AND CONFIDENTIAL XX/XX/XXXX XXXX XXXX XXXX CEO fax Another 2 weeks have elapsed without any response from that employee on XX/XX/XXXX or anyone in your office on the multiple issues presented on XXXX/XXXX/XXXX, as well as, no response to my letter/fax of XX/XX/XXXX As stated on XX/XX/XXXX, I have not received any such letter, so, yet again, I am asking for that purported letter be sent immediately, via XXXX, XXXX, or XXXX Priority mail without havinXXXX to ask again. XXXX XXXX XXXX : XXXX XXXX XXXX NY Yes, I am not pleased, ESPECIALLY since I told the XXXX that I have never received the purported XX/XX/XXXX letter from Chase ( and I presume that the XXXX has not either ). Or, if so, and as was requested, I need to see that letter and/or the name of the person and address at Chase who said that to the XXXX As I also stated, Chases XXXX XXXX in NY was contacted on XX/XX/XXXX by letter/fax ( XXXX XXXX XXXX ) for that XX/XX/XXXX letter BUT as their normal modus operandi, with, no response Under these circumstances, I request a review by a senior XXXX official towards re-opening this complaint, until Chase responds properly to me and the XXXX I also want to see the reports that is on the XXXX compliant web-site showing all the historical events on this complaint. Please send a link that can be viewed show histories on this complain send me the URL link As suggested, I will file a complaint with contact the CFPB. and I will send the XXXX a copy. copy Hopefully they might get Chase to respond with integrity in an amicable and professional manner, I await a XXXX response on the above. XXXX XXXX cc : XXXX NY | ||||||
| 04/14/2020 | Yes |
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| I, XXXX XXXX have tried to protect my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). The damages done to me under a legitimate identity theft claim in unprecedented. I am a XXXX single mother, working full time raising children to believe in the American system. Yet, national banks can make moves against me as an individual for collection on debts that could have easily been made whole by filing claims through the Federal Deposit Insurance Corporation ( FDIC ). In XXXX I did everything by the book by submitting an identity claim filed with my local police department, stating that a family friend had acquired several of my credit cards, and ran them up on charges without my knowledge. Identity theft is a federal crime, 18 U.S. Code 1028A. Aggravated identity theft, see recent USA v. Soffan ( 3:19-cr-30004 ), Massachusetts District Court , Filed : 01/15/2019. This individual received several years in federal prison as a sentence and hundreds of thousands of dollars in restitution for the same crime procured against me. Yet, the person who committed identity theft against me has never been question by a federal agent or arrested for a malicious crime where I along with my entire family has been financially harmed. The national banks on the other hand have been in a position to erase these debs against me through a claim under the Fair and Accurate Credit Transaction Act. His law was implemented in XXXX by the United States Congress as a protective means against identity theft, yet it has little effect in general. The local Soffan case is an example, identity theft is run on a rather large scale in my general region. My research has shown that each of these credit card debts went through several stages, or at least should have gone through before any legitimate collection process could begin. That criteria are as follows : 1 ) My original credit approval submitted a credit card in my name for usage in purchasing goods and services. 2 ) The line of credit was packaged into a securitization in a pooling and servicing agreement, governed through the Securities and Exchange Commission, and sold off as secured receivables through such pooling and servicing agreements, normally in the one billion dollar amounts or greater, particular securitization not researched. When any credit card went 120-days into default, then under Regulation 5000 the account is classified as sub-standard charge off status. Upon that time the receivable is reversed out of any securitized trust, WILLARD v. BANK OF AMERICA, CIVIL ACTION NO. 16-01199, and the original lending party become responsible for payment enforcement, unless the original debt is sold to a third-party under guidelines of Henson v. Santander Consumer USA, NA., whereas if that was the case then my rights under FDCPA are VOID. ( See Attached US Supreme Court Decision June 12, 2017. 3 ) All banks in my identity theft took zero action to see that the person responsible be brought to justice like XXXX XXXX. I believe that racism has played a major part in not protecting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). This is not acceptable under any circumstances. 4 ) I will submit a complaint to the Massachusetts Office of Attorney General as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, https : //XXXX, as I can prove that the lack of honesty in going through protocol was ignored based upon my race. 5 ) At all times since the original creditor was reassigned ownership of these debts from a securitized trust did any of the bank concerns, or collection agencies file a claim with the Federal Deposit Insurance Corporation ( FDIC ), but the same banks had no problem destroying my personal credit rating, making it impossible for me to obtain mortgage approval to buy a home in a safe neighborhood. 6 ) These debt collections must be deleted permanently from all pertinent credit reporting agencies. All securitizations are self-insured through their credit ratings, insuring a premium on each pooling agreement package that is 100 % profit to all banks packaging securitizations. I filed an identity theft claim with all national banks, and I was ignored completely. I demand the removal of theses collections, the purging of my information on file, and a cease and desist from any further collection attempt, including but no limited to calls made to my cell phone and employment. XXXX XXXX | ||||||
| 10/04/2021 | Yes |
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| I have opened a credit dispute with my credit card provider, Chase on XX/XX/2021 regarding a XXXX XXXX transaction Ive incurred on XX/XX/2021, for which the merchant had refused providing service. Total amount {$2200.00}. I used the automated Chase app system to open the dispute, that had simply asked for the transaction that needed to be disputed and nothing else. The system notification specified that if the merchant needs more documentation to support my claim, they will reach out to ask for it. I have never been contacted by Chase for additional documentation that supported my claim and the claim was closed on XX/XX/2021 with a status of charge is valid, therefore I was given no credit for the transaction. The documents I was provided to support Chases resolution was a transcript of the airline tickets they have obtained from XXXX XXXX ( which I also possess ) with a short answer from the Airline that the passengers did not have the required travel documents in order to fly to United States, and no further proof of their position. The background for the XXXX XXXX transaction is that the passengers were flown by XXXX XXXX from XXXX, XXXX to XXXX, XXXX as part of their XXXX - USA full round trip, but they were refused boarding on the second leg of the flight, XXXX - XXXX, while in XXXX, under the pretext of insufficient travel documents. If the passengers lacked complete travel documents as per XXXX XXXX claim, they should have been denied boarding from the very beginning. This is the reason I disputed the credit card charge, together with the XXXX XXXX unwillingness to explain the missing travel documents claim. As a result of the closed dispute with Chase, per their option to re-open the dispute where I was encouraged to submit supporting evidence for my claim, I have gathered all passengers travel documents, wrote a personal statement explaining the events around the credit card charge, discussed extensively with Chase Claims department representatives to ensure I follow their procedures and submitted all the documents to Chase Claims Department. I have submitted said documents on XX/XX/2021. I would like to note that at any point in my conversations with Chase Claim Department specialists had anyone mentioned any time limitations. I spoke on the phone with Chase Claims specialist on XX/XX/2021, at XXXX and XXXX XXXX XXXXXXXX None of the specialists had mentioned time limitations. My reopened claim was closed by default on XX/XX/2021 and as of XXXX XXXX XXXX today, XX/XX/2021 I was provided with no letter from Chase explaining the reason, and resolution details. I called Chase Claims Department at XXXXXXXX XXXX on XX/XX/2021 and was told that the reopened claim was closed because too much time had passed from when they first closed the initial claim until I requested the reopening of it. Furthermore, they claim that at this point it is irrelevant whether the XXXX XXXX charge is valid or not based on the supporting documents I have sent in, they will not take any further action to help me with this charge. They also claim that I am welcome to reopen the claim as many time as I see fit per my cardholder rights, however it will be closed by default. Not a whole lot to do anymore, as you can see. From where I stand, as a financial services customer, I had taken all the measures I was supposed to, as a customer, I relied on Chase to always be transparent with me and protect me from fraud, but it appears that the process is all smoke and mirrors. I have notified Chase of the transaction issue in due time, expecting due diligence from their part, but my original claim was closed without any such due diligence. No time limitations were communicated to me, and no apparent effort to protect me as their customer was employed. I am faced with owing money to Chase for what is in essence, customer fraud, all because Chase refused transparency regarding time limitations. Had I known I had to take action within a time frame, provided that they allowed me enough time to gather all needed documentation, I would not be in this unpleasant situation. Please consider my complaint and advocate for my rights as a consumer. I can provide documentation to support my claims, my communication with Chase, with the Chase merchant, and I am available to be contacted via email and phone. Please also note that Chase is in possession of all the supporting documents that support passengers complete travel documents, including copies of passports and visitor Visa, which is sensitive information and should be handled with care. | ||||||
| 08/04/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington , DC 20580 Re : Complaint Against Chase Freedom Account Ending in XXXX for Failure to Address Dispute and Refund Dear Sir/Madam, I am writing to formally file a complaint against JPMorgan Chase Bank , N.A . regarding their handling of a dispute and subsequent failure to refund the charges made to my Chase Freedom credit card account ending in XXXX. I believe that their conduct in this matter is in violation of consumer protection laws and regulations. On XX/XX/XXXX, I made a transaction using my Chase Freedom credit card for a XXXX trucking rental service. Unfortunately, I encountered significant issues with the service provided by XXXX, including On XX/XX/XXXX, I rented the aforementioned truck from XXXX to facilitate a personal move. From the outset, I noticed that the braking system of the truck appeared to be faulty, as it exhibited alarming signs of deterioration and inefficiency. Despite this, I proceeded with the rental, hoping that the issue might resolve itself or improve with use.Throughout the rental period, I experienced numerous instances of the truck 's brakes exhibiting irregular behavior, such as : Delayed Response : The brake pedal had a considerable amount of slack, causing a delay in the braking response when applied. Grinding Noise : The brakes emitted a loud grinding noise upon use, indicating significant wear and tear on the brake pads. Reduced Stopping Power : The truck 's braking ability was notably compromised, requiring me to apply excessive pressure on the brake pedal to achieve minimal deceleration. Brake Fade : During extended downhill descents, the brakes showed signs of brake fade, leading to a significant decrease in their effectiveness. These alarming brake-related issues not only caused severe inconvenience during my journey but also jeopardized my safety and the safety of other road users. As a responsible and cautious driver, I felt compelled to exercise extreme caution while operating the rental truck, which resulted in unnecessary delays and anxiety throughout my trip. To address these concerns, I promptly reported the brake issues to your company 's customer service department on XX/XX/XXXX. However, despite acknowledging the matter, there was no immediate resolution or replacement of the vehicle offered. I continued to use the truck cautiously while raising my concerns repeatedly throughout the rental period. I informed the person in charge at the drop-off location, and they confirmed the issue and sent the receipt with {$0.00} charges. I need you to credit my credit card as requested before. As a result, I attempted to resolve this matter directly with XXXX to seek a refund or resolution. Despite my best efforts, XXXX proved uncooperative and failed to address my concerns appropriately. Consequently, on XX/XX/XXXX, I contacted Chase 's customer service department to report the situation and initiate a dispute for the charges related to the XXXX transaction. I provided all necessary documentation, including XXXX invoice. To my surprise and dismay, I received a response from Chase indicating that my dispute was denied due to the use of the service. This decision contradicts the clear evidence and documentation I provided, and it has left me in an unjust position of being held responsible for charges related to a service that I did not receive as expected. Furthermore, despite my attempts to communicate with Chase 's customer service representatives, I have been met with a lack of assistance and understanding. The resolution of this matter has been needlessly prolonged, and I have yet to receive the refund that is rightfully owed to me under the Fair Credit Billing Act and other applicable consumer protection laws. I am writing to request the intervention of the Federal Trade Commission to address this issue promptly and ensure that I am treated fairly as a consumer. I kindly request that the FTC investigate the handling of my dispute by Chase Freedom and assist in securing a full refund of the charges related to the XXXX transaction, as well as any associated fees and interest that may have accrued due to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. Thank you for your time and assistance in this regard. Sincerely, XXXX XXXX | ||||||
| 09/25/2023 | Yes |
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| Date of inquiry : XX/XX/2023 Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX Amount : {$2400.00} Included : 17 fraud transactions Please allow this to be the explanation and complaint to Chase regarding the fraud claim above. On XX/XX/2023, I needed to use my debit card to pay for my college tuition and realize that the account balance is very low. I found out there are XXXX fraud transactions. From XX/XX/2023 to XX/XX/2023. I then called chase right away to report the frauds transactions. XXXX then separated the XXXX transactions into XXXX claims by their own criteria : -Claim XXXX : XXXX => XXXX transactions -Claim XXXX : XXXX => XXXX transactions This complaint is regarding the Claim XXXX with XXXX transactions. XXXX then sent me a letter on XX/XX/2023 to denied the claim without a reason. I called chase and they told me that denial reasons are because : XXXX. The transactions are verified by PIN. 2. There was Fraud Alert text to my phone number to confirm and I replied 'YES ' 3. There are merchant that I did business before such as XXXX. XXXX. I told them the last verified transactions are on XX/XX/2023. For all the the reasons above, I don't see XXXX is making any sense. As the pin can be easily stolen when I use my card at a public space. The fact that I shopped at XXXX before with that card, and then the person who stole the card also shopped at XXXX with that card does not mean that I authorized the transactions. The last verified transactions are on XX/XX/2023 does not mean anything, since the first reported fraud transaction happened on XX/XX/2023. From XX/XX/2023 => XX/XX/2023, there was no fraud transactions. All of them are XXXX transfer, XXXX, and auto pay for my XXXX XXXX, credit card, and monthly bill. They are pre-authorized meaning I don't need to have my card to use them. For the fact that they sent text message to my phone number for me to authorized. This is 100 % their fault as I updated my phone number with them on XX/XX/2023, they sent me a confirmation for this ( see attached document ), however, they never changed them in the system. It resulted in the alert text being sent to the old phone number and someone might just said yes. I knew that they never changed my phone number because on XX/XX/2023 when I called in the made the claim, they still have the old phone number record on it. New Phone : XXXX Old Phone : XXXX They just don't want to help me at all. They just denied all the fact and evidence. I even contact them many time and requested to talk to supervisor at the fraud department. XXXX of them was XXXX, she is very nice but could not get me a specific reason on why they denied it. The next one is XXXX, I talked to her on XX/XX/2023, she does not know what she talked about. She just kept asking when I lost my card and told me none-sense statement such as, because you use the card at XXXX before XXXX this consider valid. She is also very discriminating and sound kind of XXXX to my accent. The next one is even worse, I talked to her on XX/XX/2023 at XXXXXXXX XXXX. She could not help at all. She told me just send in what you have so we can consider. That's a irresponsible statement. As a supervisor she should understand the decision of the back end team and advise the customer what to submit in in order to best explain the situation. When I asked for her name, she just read the script " Thank you for choosing XXXX '' and then hang up the call on me. I went to the branch for help, and talked to XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX, and she could not help much. She submit a complaint for me to the escalation team and told me to wait for call from them. I waited and then XXXX from XXXX 's XXXX complain and escalation team called me. He could not get to me as I was busy. He left me a voice mail. I called back and asked him to call me at a specific time frame where I'm available many time. But he kept calling me at the time that I'm not available. It seems like all the people at XXXX are not understand the request from the customer and just try to denied everything. Please help me get my money back. I swear I did not use the card and authorized these transaction. I stayed home all the time and most of the transactions are used in different states such as California, Nevada, ... I just came to the XXXXXXXX XXXX XXXX ago as an XXXX XXXX I need money to pay for my tuition. I have no other choice. If I don't get this money back, I'm dropped from school for this upcoming fall quarter that could affect my VISA status in the XXXX. | ||||||
| 04/24/2017 | Yes |
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| Around XXXX XXXX , XXXX I applied for a HELOC through Chase Bank and XXXX XXXX . Chase called us back immediately, ran our credit ( with approval and gave us their current ra te ( 5.4 ). We told them that we were waiting on other banks to contact us with their rates before making a final decision. XXXX XXXX came back with a significantly lower rate ( 2 .99 % intro then variable 4.5 % after ). I spoke with chase about the different rates and XXXX XXXX ( XXXX XXXX | MB Sr Loan Processor | XXXX ID XXXX XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , XXXX , WI XXXX | Office : XXXX EXT. XXXX | Fax : XXXX | XXXX XXXX XXXX ) told us that she could not guarantee any rate, but that since I have excellent credit and numerous accounts with Chase that she would try her best to match the 4.5 % rate. We told her the terms that we were comfortable with ; initially only seeking {$30000.00} for a remodel. XXXX explained that the rates were based off of a {$50000.00} loan, but that we would not have to pull any cash out at closing. My wife and I agreed to move forward with Chase as we have most of our major accounts with them and have always been happy with the level of service provided. On XXXX XXXX we received the request for information to process the loan while XXXX said she was sending our request for 4.5 % up to the manager. On XXXX XXXX we submitted all necessary forms and waited. XXXX remained in contact with u s ( ab out once per week ) a bout the progress of the loan and said that she was still waiting on the manager approval for the rate. Approximately XXXX XXXX , I received a call from XXXX saying that the loan process was complete, but that the rate came back at 5.4 % not 4.5 %. XXXX said she assumed it was a mistake and they wrote the numbers wrong. She told me that she would fast track it back to the manager and would call me in a few days. On Friday XXXX XXXX I received a call from XXXX saying that she could get me 5.0 % rate only if I immediately pulled {$60000.00} cash out at closing. XXXX said that we could just put that money right back into the loan without using any of it. I told her that those were not the terms that we had initially discussed and that I was disappointed that she could n't match the 4.5 % we had initially discussed ( and she made seem like that was not going to be a problem ). Then XXXX told me that she could get my rate to 4.5 %, but that we would have to immediately pull {$100000.00} cash at closing. I was extremely upset at that point. I initially only asked for a {$30000.00} HELOC, but conceded to {$50000.00} per their advice. Then I am being told that the loan is finalized and I can only get the rate requested if I pull {$100000.00} up front. I told XXXX that I was very unhappy, but would speak with my wife. After speaking with my wife, we were both very upset and disappointed with Chase. We have trusted them with our accounts for years and the way that they handled our HELOC process felt very manipulative. We would have been ok with the 5.5 % rate if they were honest and said that that was the bottom line upfront. Instead, they pushed us through the entire process, all the while making it seem like it was going to be one rate, and then at the end added numerous conditions to it. In our minds the only benefit to pulling {$100000.00} was for Chase to inflate their numbers or reach their loan targets. We feel misled and pushed into a product with a higher balance than requested. I called XXXX back and told her we were not ok with those terms, and asked if there was a manager I could speak to to voice my concerns. She told me that there was n't anyone in her department I could talk to about this. At that point I told XXXX that we would not move forward with XXXX for our HELOC. She was surprised and said that she had never had anyone pull out of a loan after it was final. She told me that the person who originated the loan would be in contact with us soon. We never received the follow-up call or spoke to anyone who we could voice our concerns to. As educated consumers, we feel like we were mislead and that XXXX attempted to manipulate us in order to increase their bottom line. We are considering now closing all XXXX accounts we currently have with them. We expected a level of honesty and professionalism from a bank of this size. Expectations were not handled appropriately. Had we been in an urgent position to fix our home, we may have felt pressured to pull more than we need. | ||||||
| 05/19/2023 | Yes |
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Web | Older American |
| I was given the wrong Name and Account Number to deposit a Cashiers Check in the amount of {$13000.00} to a wrong Bank Account in error on XX/XX/XXXX. When notified same day I went immediately back to Chase Bank and notified a Bank Manager as soon as possible who told me there nothing they could do was to have my Bank XXXX retract the payment where I purchased the Cashiers Check. I did that immediately told I had to wait 90 days and was refused assistance on that day also by Chase Bank because oddly the XXXX was closing my Bank Account during the time this occurred which I thought was odd. I have purchased Cashiers Checks before and I have never experienced what I have concerning both Chase Bank and XXXX. I was told to get the owner of the wrong Bank Account with me on line to Chase Bank so they can verify with that person his Name was XXXX XXXX. I received information from Chase Bank who told me the {$13000.00} was placed on a Bank Hold and XXXX XXXX account was being reported as a Scam account. I know nothing about anything of that sort. I left with the only information I was given by Chase Bank desperately trying to get this matter resolved. XXXX XXXX contacted me on or about XX/XX/XXXX and explained he had went into his account about XX/XX/XXXX and saw a {$13000.00} payment in his Bank Account and notified the Bank immediately that he had no clue who I was or why Id be sending him {$13000.00} is probably why it was then being reported as fraudulent activity asking him to call the Fraud Department. Was not such action at all and it caused myself and XXXX harm that should not even escalated to be the extent things are at this time. XXXX XXXX contacted me I then asked XXXX if hed get on a call with me with Chase Bank I believe was the same day he stated yes so I calked Chase Bank on a three way conference call so XXXX XXXX could do the verification allowing Chase Bank to speak to both of us. He did that with me on the call. We got a male on the first call Customer Service Representative who verified who he was speaking to the Chase Bank Account holder was verified as XXXX XXXX gave all his information to the Customer Service Rep then giving that Chase Bank the permission to speak with me XXXX XXXX and verify any information needed on that call by XXXX XXXX told the agent the money is not his he understands it was an mistake he did not know me I did not know XXXX XXXX and he was not taking the money and to give it back to XXXX XXXX and I have had nothing but problems every since trying to get my money back. I filed a complaint with the XXXX Department who again told me to go back to my Bank XXXX where I purchased and do a retract payment because the Cashiers Check {$13000.00} verified by the Chase Bank Customer Representative the {$13000.00} is still sitting in Chase Bank. XXXX said to me come back in 90 days I did and they sent me to the Metro Police Department on XX/XX/XXXX spoke to a Sargent in the Financial Crimes number given to call was XXXX the Officer said this is not a crime and she had no idea why the XXXX after I explained this issue to her stated this is not a crime on either parties is to give back to the person who rightfully should be returned the {$13000.00} belongs to was the same day I was told by her to file a Escalation to Chase and XXXX spoke to XXXX at Chase Bank in the XXXX Department took my Complaint about XXXX XXXX on XX/XX/XXXX Filed Complaint to both Banks and that ref number for Chase Bank XXXX previously I filed a Complaint at Chase Bank with a Supervisor her Name was XXXX gave me a reference number : XXXX Stated XXXX XXXX Account was Frozen and the Money was still at Chase Bank . I called back gave the reference number XXXX gave I was told that was not a Chase Bank reference number and they could not talk to me in regards to this matter. I have done everything to get this resolved and my understanding from XXXX XXXX he is very upset over all of this. Was no way to cause all these problems for XXXX XXXX or myself XXXX XXXX. XXXX XXXX XXXX sent me all his information spoke to Chase Bank on 3 calls while I was on the line with him is for Chase Bank give me back my {$13000.00} yet Chase Bank continues to tell me to do what I have repetitiously done and Chase refuses to return my money back to me without a cause of action they have wrongfully reported about XXXX XXXX and myself XXXX XXXX I purchased the Cashiers Check placed in a wrong account given by mistake and deposited it into the wrong Chase Bank Account # XXXX. You may contact me XXXX. Respectfully, XXXX XXXX XXXX | ||||||
| 07/25/2023 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT ID XXXX XXXXXXXX Chase Business XXXX XXXX Executive Office ( Mail Code XXXX ) XXXX XXXX XXXX XXXX OH, XXXX Dear Chase Executive Office, I am writing to address the matter of the " Chase '' Tradeline on my consumer profile and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and Securities and Exchange Commission Acts . As a concerned consumer, I believe that your actions have violated various federal laws and regulations, necessitating the immediate removal of this tradeline from my consumer report. Allow me to present a detailed explanation of the issues at hand. Firstly, I would like to express my appreciation for providing a copy of your cardmember agreement ; however, my initial request was for a signed copy of the original contract bearing my wet ink signature, counter-signed by a duly authorized member of your organization. Regrettably, you have failed to meet this request, raising concerns about the validity and legality of any purported contractual agreement. It is my firm demand that you remove the " Chase '' Tradeline from my consumer report promptly, as failure to do so may result in the initiation of arbitration proceedings. In reference to account number : XXXX, which is reflected on my consumer report, I received a letter from Chase dated XX/XX/XXXX, with reference XXXX XXXXXXXX. According to the United States federal government, as amended by the United States Congress, your actions in relation to the account mentioned above are in violation of my consumer rights, privacy rights, and data rights by engaging in the improper disclosure of indebtedness. Moreover, I noticed that the letter I received from Chase specifically refers to " account number ending in XXXX ''. While you expressed gratitude for my service, it is pertinent to remind you that a mere expression of gratitude does not absolve you from adhering to the FCRA. Under section 1681 ( i ) of Title 15 of the United States Code, it is incumbent upon you to honor my rights as outlined in the FCRA. I must remind you that no contract or agreement can exist outside the bounds of legality, and any disputes are to be resolved through arbitration rather than resorting to frivolous mailings. Your provision of information about me to consumer reporting agencies, also referred to as credit reporting agencies, without my explicit written consent and ongoing consent, constitutes a violation of section 1681b of the FCRA. Furthermore, in compliance with the Privacy Act of 1974, you are legally obliged to disclose personal information solely as per my written request or with my prior written consent. Any deviation from this standard is prohibited, as stipulated under 5 U.S.C. 552a ( b ). It is imperative that you acknowledge that your policies and procedures must operate within the confines of the law. Your assertion of contractual agreements and obligations must align with 15 U.S. Code 1682 and other applicable subchapters. In the United States, all contracts must exist within a legal framework. I am fully aware that J.P. Morgan Chase Bank, as a business entity operating within the United States of America, is also a corporation. The distinction is vital, as the UNITED STATES, in capital letters, refers to the corporation and not the Republic. This distinction is unequivocally stated in Title 28, Section 3002 ( 15 ) ( A ) ( B ) ( C ) of the United States Code. Consequently, it is essential to operate within the legal framework established for corporate entities. Moreover, I firmly believe that your actions must not infringe upon the Sherman Act, which prohibits unreasonable interference with the ordinary, competitive pricing, and distribution system of the open market in interstate trade ( 15 U.S.C. Sec. 1-7 ). I am hereby asserting my rights under the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801 - which safeguards nonpublic personal information and the Securities Act of 1933, specifically PART 230 - General Rules and Regulations. In light of the aforementioned violations and discrepancies, I kindly request the immediate removal of the " Chase '' Tradeline from my consumer profile. Failure to comply with this request may necessitate further legal action to safeguard my rights under the FCRA and other pertinent laws. Thank you in advance for your prompt attention to this matter. I trust that you will rectify these issues promptly to ensure compliance with federal laws and regulations. Sincerely, XXXX XXXX | ||||||
| 03/06/2021 | Yes |
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| On XX/XX/2020, I committed to purchase a used XXXX XXXX cutting machine on XXXX ( item # XXXX, ) and utilized XXXX checkout process to submit payment with my Chase credit card. The amount of the transaction, including shipping, was {$1000.00}. The seller shipped a package containing a brick, dirty laundry, and garbage, and provided a XXXX tracking number. When the package arrived at our business address, its delivery was confirmed by signature. After the XXXX driver left, I opened the package and found that it did not contain the XXXX XXXX cutting machine, and felt there was a deliberate attempt by the seller to defraud me. On XX/XX/2020, I submitted a dispute via XXXX, and selected the option I did not receive the item. In my mind, this was absolutely a true statement, as I did not receive the item I committed to purchase. Unfortunately, this caused XXXX resolution system to reference the XXXX tracking number provided by the scammer and rule in his favor. It is true that I received a package via XXXX, but the package was an instrument of fraud, stuffed with trash, and did not contain the item I had committed to purchase. I attempted repeatedly to dispute the ruling on XXXX website, but the link provided led me in circles and ultimately did not allow me to submit a dispute. I attempted to explain the situation to an XXXX representative via phone, but they only instructed me to follow the broken links on the website. On XX/XX/2020, I filed a report with the US Postal Inspection Services Mail Fraud Complaint System ( case number XXXX. ) By now, XXXX 30 day return window had closed, and any further attempt to return the item would require the approval of the seller. The seller, of course, is a scammer and would be unwilling to approve a return. I attempted again to call XXXX customer service, but they had closed their call centers due to the COVID-19 pandemic. I attempted to communicate with XXXX customer service via email, but received only automated responses. At that point, I felt I had reached a dead end with XXXX, and I decided to file a dispute with Chase. In the course of their investigation, Chase personnel reached out to XXXX, and XXXX provided the XXXX tracking information. Chase ruled that the charge was valid, and I was not due a refund. I was finally able to reach a customer service representative at XXXX who carefully reviewed the evidence I provided him and acknowledged the fraud, but he told me he was unable to proceed with a refund since I had already initiated a dispute with Chase. XXXX has terminated the account of the seller, which I see as an acknowledgement that he is guilty of violating their terms of service. I have examined the package itself, and found that it would not physically contain the item described in the XXXX listing, particularly if it were padded with packaging materials of any kind. Additionally, the weight of the package ( as printed on the XXXX label in a photograph provided by the scammer via XXXX XXXX messaging system as proof of having shipped the item ) is less than the overall weight of the machine itself, excluding any packaging materials. Additionally, the XXXX Office location in XXXX, WA ( on the receipt in the photo ) is over 85 miles from the XXXX, WA return address the scammer used on the XXXX label. My research yielded no resident by the provided name ( XXXX XXXX ) at the return address provided. I have tried calling the phone number provided on the return address, and received no answer. I suspect the return address and phone number were chosen at random by the scammer. The package and its contents are still in my possession, as there has been no satisfactory resolution of this ordeal. As mentioned previously, the US Postal Inspection Service has been notified. I believe the value of the transaction would put this into the category of felony fraud, if the USPIS were inclined to find the scammer and prosecute. I have welcomed Chase personnel to send a representative to come to my residence and inspect the package in question, but they have made no attempt to do so. Chase 's internal fraud department has repeatedly ruled that the charge is legitimate, and every time, I have resubmitted the dispute. The most recent dispute has remained unanswered for months, and I think they're hoping I will just disappear and stop pursuing a refund for this fraudulent charge. In the meantime, I have stopped using their services entirely and allowed my accounts to sit dormant while I utilize the services of other credit card providers. | ||||||
| 06/30/2020 | Yes |
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| I recently received a notice from Chase regarding a series of fraudulent purchases that had been made using a lost Chase Amazon credit card that indicated that I was being held responsible for those charges. At that point, I called a representative in Security Services named XXXX, who sent an email indicating I wanted further review on this case. Yesterday, I received a phone call from a representative in Fraud Recovery named XXXX, who advised that I visit the stores in question to attempt to find further evidence to support my claim. The full timeline of events follows - this is everything I've been able to gather. On XX/XX/XXXX, I made an authorized purchase of {$85.00} at a XXXX in the XXXX. After making that purchase, which I did at self-checkout, I must have placed my credit card somewhere in the area while packing the purchase into bags, and left the store without it. At this point, an unauthorized individual must have come across the card and started using it fraudulently. They used the card three times in a row at XXXX ( charges of {$72.00}, {$57.00}, {$110.00} ) and then used the card again at a XXXX ( {$27.00} ) and at a XXXX XXXX ( {$170.00} ). They then tried to use the card again at XXXX XXXX for a charge of over {$500.00}, which triggered a fraud alert. This was when I first realized the card was missing. I contacted Chase that day and indicated that the card had been lost and these five charges, which were at that point pending, were fraudulent. The person I spoke to removed the charges, closed the account, and assured me that Chase had my back. At this juncture, I took no further action as it was never indicated that I might need to do so. On XX/XX/XXXX, I received a notice indicating that I was being held responsible for these five charges. There was also a charge from Spectrum that was dated XX/XX/19 for {$74.00} included in this letter, which was confusing as a ) I did not dispute that charge, and b ) I don't understand where it came from considering the account had been closed on XX/XX/XXXX. I am not disputing the charge of {$74.00} and it should be removed from this investigation. On the XXXX of XXXX, I called XXXX ( as mentioned above ) who sent an email to Fraud Recovery. And yesterday, on XX/XX/XXXX, I spoke with XXXX in depth about the situation. She said I should try to go to the stores and request visual evidence to support this claim. This morning, I went to the Target in question, and spoke with their APS specialist, XXXX. If you need to contact him to ensure this conversation took place, you can call that particular XXXX at ( XXXX ) XXXX. XXXX was unfortunately not able to provide any video or still images, as he explained that they were no longer saved in the system. He was also unsuccessful at finding the receipts for the purchases, although I'm not sure if those would have helped or not. I can continue to try to retrieve them by calling XXXX Corporate Offices, and will do so if this bears any significance on the claim. I also visited the XXXX XXXX store ( which I had assumed was the one the individual would have visited as it's in the same complex ) but was told that that purchase had been made in a different store ( XXXX ) which is located in midtown XXXX. I did not make or authorize these five purchases. I have respectfully disputed these charges and request that they be placed back under investigation and removed from my current balance prior to that statements closing, as I should not be responsible for these purchases. I requested that chase consider my history with the company : I pay on time, I'm a responsible person, this is not something I would do. The sequence of these purchases does not match up with my typical purchasing history. The XXXX XXXX in question is one I've never visited. Chase 's determination to hold me responsible doesn't even really make sense. The only way you could look at this timeline in addition to my repeated explanation of the situation and conclude that I was responsible for these purchases would be to accuse me of lying and attempting to create a situation that looked like fraud, which I would never do, which I believe my long and responsible history using this Chase account fully supports. When I spoke with XXXX, she assured me that she would place these charges back under dispute. I received a notice the same day stating the purchases remained valid ( this is attached here ). I then sent an email similar to the contents of this statement to XXXX and am simultaneously filing this complaint with the CFPB. | ||||||
| 07/24/2021 | Yes |
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| I am the XXXX of a XXXX XXXX XXXX in XXXX XXXX, California that is registered with the XXXX XXXX XXXX XXXX. I have had my XXXX accounts with Chase Bank, since 2010. Since we are a decent size account, a private banker is assigned to us help us with our banking needs. On Wednesday XX/XX/XXXX, I was approached by an employee who had his check rejected by the bank. The check was around {$600.00}, and I had a balance in excess of {$110000.00} in the Chase Bank, as I regularly check my account balances. I called our private banker to see why the check is being rejected. She was not available and I left a message for her. Since it was late in the afternoon, I thought she would certainly call me back the next day. Early morning on XX/XX/XXXX, I checked the bank again. Our payroll tax deposits from IRS and EDD which were scheduled to be paid out of our account were not there either. We checked the XXXX system and it showed that the payment was settled, but not was showing up in our bank account. I tried our Private banker one more time, but it I got her voicemail again. So, I sent her an email explaining the problem again. I thought while I am waiting for her response I would try the customer support for Chase. I was bounced around 3 times before I was connected to the person who could answer my question on why I don't see any of my transactions going through my account. Her response was that my account has been frozen because the bank had sent a notice to me to verify the ownership of the account in XXXX, and I did not respond. This was odd, because our office is very good with handling the mail in the office because of our profession. My first thought was the notice must have been lost in the mail, but then I thought the notifications are also posted in our online banking portal. To my surprise nothing was posted there either. Nevertheless, I asked the Chase representative on options to reactivate the account. She said, the only option would be to go to the branch and sign the ownership verification form. She left the branch a message for me to be contacted, and finally an hour later I was contacted by our private banker, and made an appointment to go and sign the paper. I asked the private banker, whether I needed to bring any document with me to prove the ownership. She said I didn't need any documents. It is an honor system, and I just need to sign that I am the owner of the account. My driver 's license was the only document needed. During our conversation, I asked her whether she knew of any notification on my account, or whether she was ever notified that this document is required from me. She said she had not gotten any notification either. At that point I was certain that the bank has arbitrarily has made a decision to freeze the account without any notification. So, I thought this is an easy fix. I go to the bank, sign the document, and my account would be activated. I was wrong again. Once I signed the one page preprinted bank form, she said that it would take 2-3 business day to reactivate the account. I asked for an explanation, on how this could be? She said it would need to be reviewed by another department. That seemed really odd. I am signing a one page pre-printed form, which does not require any back up documentation and it is based on an honor system, and it would have to go through a review by another department? Meanwhile, my employees checks would bounce, my payroll taxes would bounce and my employees health insurance premium payment would bounce. To give her credit, she agreed that this is a ridiculous thing for the bank to do, especially on an account that has always had sizable balances and has always been in good standing with the bank. She was nice enough to write a formal complaint on my behalf to the branch manager explaining the situation. She gave me the business card of the branch manager, and she said the he would call me tomorrow XX/XX/XXXX to resolve this issue with me. I did not receive any call today, so I decided to right a complaint to the branch manager and explain the situation myself, and see if that could have any impact. In my letter to the branch manager, I requested for the bank to lift the freeze for one day and let the outstanding transactions to go through, and they could deactivate it until the review of the ownership verification is complete. As of the time of this complaint XX/XX/XXXX, XXXX pm PST, he has not responded to my email, and XXXX system and California XXXX XXXX shows that the payroll tax payments have been bounced. | ||||||
| 11/18/2023 | Yes |
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| On XX/XX/2023, I had to take an emergency medical leave of absence from work for mental health reasons. This was an XXXX XXXX XXXX XXXX XXXX, so I was not able to get XXXX and insurance claims established until after I had taken the leave from work. Due to this, I have not been getting paid and have gone 6 weeks without receiving any payment. On XX/XX/2023, I finally received two checks in the mail from the State of California Employment Development Department. The first check was for an amount of {$6200.00}, while the second was {$3000.00}, making a total of {$9200.00}. After receiving these checks, my first action was to go to my local Chase branch and deposit the checks in person at XXXXXXXX XXXX on Wednesday, XX/XX/2023. I hoped this would make the funds available within 1 3 business days. On Thursday ( XX/XX/2023 ), I checked the status of the deposit and received a notification stating that the funds would be held until XX/XX/2023. I was not given this information when I deposited the checks with the bank teller the day prior. I have not had any funds for 2 weeks, and waiting until XX/XX/2023 is not feasible. If I had been informed of the hold time before depositing the check, I would have made other arrangements, as I need these funds as soon as possible. I then called the XXXX XXXX department and spoke with XXXX. This representative was very helpful. I explained that I have been completely out of funds for the past 2 weeks and currently have no money to pay for my medication, food, bills, or gas. I also shared that I had to take a medical leave of absence from work due to mental health, and this financial situation is greatly exacerbating the issues I am experiencing. I offered to provide medical documentation to verify my situation and why I received these funds from the State of California. XXXX said that this was not necessary and I do not need to provide medical documentation ; the funds will be made available to me on XX/XX/2023 since they now understand my situation. I was very grateful for his help and was instructed that if the funds were not made available to me automatically on XX/XX/2023, I would just need to call back, and the funds would be released. On Friday morning, XX/XX/2023, the funds were not available, so I called at XXXX XXXX as instructed. The agent I spoke with this time said that the funds had not been received from the State of California, but as soon as the funds were received, they would be made available to me, and I would not need to wait until XX/XX/2023 ; I would receive the funds on XX/XX/2023. At XXXX XXXX I had not received the funds, so I called again to check on the status. I was then told that I will not be receiving the funds until XX/XX/2023. After being asked to speak with a supervisor, I was informed that the money has still not been received, and I can try calling again later. At XXXXXXXX XXXX, I still had not received the funds, so I called again. I asked to be escalated to a supervisor and was now told at this time that I need to provide medical documentation, and they will then decide if they will release the funds to me early. Its Friday night, and the banks close in 30 minutes, so I can not provide this until the next business day. I could have provided this on Thursday morning, but I was told I did not need to. I am now in a very difficult situation. I was behind on bills and arranged payments for my bills on XX/XX/2023, as I was promised I would have the funds by this date. I have no money to pay for medication, food, or gas, and I am running the risk of losing services such as electricity and phone. I have no money for gas or food, so I have to sit at home and wait for the funds of these XXXX funds to be made available ; I am out of medication and can not even get this. I took a leave of absence for mental health, and I have been working to get better for the past 5 weeks. I had been making progress and felt happy for the first time in over 1 year. This situation with XXXX has undone my progress over the past 5 weeks. After waiting for 6 weeks and struggling to get by, I was finally paid for my XXXX claim, then Chase bank said they wont release the funds for nearly 2 weeks. After speaking with a customer service agent, I was assured I did not need to provide any medical documentation, and I would receive the funds on XX/XX/2023. On XXXXXXXX XXXX on Friday night, XX/XX/2023, I was then told I need to bring in medical documentation for them to even consider releasing the funds to me, and I am greatly suffering. | ||||||
| 05/05/2023 | Yes |
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| XX/XX/23 XXXX XXXX- I am at a XXXX XXXX XXXX with my family and I received a fraud alert text from ( XXXX ) XXXX that states that an unauthorized XXXX transaction was processed reply " NO '' if it was not me. I reply NO to the message and go to check my bank account through the mobile app. As soon as I login I see that multiple XXXX transactions have already been sent out. Within 5 minutes I am called from ( XXXX ) XXXX ( this number shows as Chase Bank XXXX XXXX if you XXXX it, and if you call it back it leads to a Chase Menu ). The person claims to be with Chase Fraud department and reads off the transaction amounts and who they were sent to ( leading me to believe this person was in fact with Chase ). They say the only thing that needs to happen is to contact the recipients and have them send the money back. XXXX XXXX - Chase QuickPay Team canceled one of the outgoing transactions and did so with 8 others following ( Somehow this raised 0 red flags at Chase for anyone from the actual Fraud Department to see it or even reach out to me ) XXXX XXXX- I then contacted the acquaintances and let them know to send the money back. They do so, however the money never gets back into my account. Chase and XXXX should have records of the payments being sent back but never making it into my account. The payments continue to come out of my account for the next 4 hours and my acquaintances keep sending back to me. I received text notifications each time I was sent funds back ( again never showing in my actual account ). At some point around XXXX XXXX the transactions stop coming out of my account XX/XX/23 XXXX XXXX- I received a call from the same person informing me more transactions are coming out of my account and to again let the recipients know to send the money back. I hang up this time as I am frustrated with no progress being made on my account. At this point I believe the funds that are being sent back are pending due to Chase recognizing my account has fraudulent charges. The recipient again sends the funds back, but they are never actually received by me. I just get the text notifications for them. XXXX XXXX - The remaining funds in my account are moved to a different account so they can no longer be accessed by the scammer. XX/XX/23 - I called Chase fraud and thought I already had a case started. This is when I realized that every part of the prior phone calls were actually not Chase but the scammer. A case was created. Case # XXXX I was told the case would be reviewed and to expect funds back into my account in 10 days. In the meantime I would receive a letter and an email. I didnt receive either. XX/XX/23 - Claim is denied by Chase based on it being from a trusted device, no failed login attempts, IP address within the geographical area ( XXXX, FL ) which is definitely not near where I was that night or the next night, and Face ID ( this would only have been used when I logged into my Chase app and never to process any transactions ) XX/XX/23 - I called Chase to appeal the decision and get further information. They tell me there's nothing they can do, and can not even provide any information on the " trusted device '' that was used ( make, model, IP address, nothing ). I am then connected with a manager who states on the recorded line that he personally deals with this issue 3-4 times a day with XXXX users. There is a virus or malware that is put on the phone that allows the scammers to see everything on your screen and that is how they gain access to the bank account. He says that I can go to XXXX and have them run a scan on the phone and if they detect any malicious software then I can send documentation to prove my device was compromised. I don't believe that there is any virus on my phone and it was just a way for the representative to put the burden of proof on me. I go to the XXXX XXXX anyway and they say they don't have any way of scanning my device and all they can recommend is a factory reset ( which would delete any potential evidence if there was any ). After this I call Chase and let them know their recommendation will not work and ask what other options there are. I am told by the manager that there is nothing else they will do and that it is on me as the client to have XXXX prove my device has been hacked. I ask about what else can be done if Chase knows this is an ongoing issue, but does not provide clients with any warnings or resolutions and the manager hangs up the call. Chase has the amounts lost listed as {$1900.00} and {$3900.00} totaling {$5900.00} | ||||||
| 11/22/2023 | Yes |
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| On XX/XX/2023 I went to Chase Branch XXXX XXXX XXXX to deposit a check on my checking account. The check is a sign-on bonus from my incoming employer, so it was the amount of income after standard tax withholding. The check was issued by XXXX XXXX XXXX XXXX XXXX XXXX a payroll company, and contained a phone number to assist with check verification, so I thought the process is standard. I went to the location with the signed offer letter and a letter detailing the standard tax deduction for this portion of income - however, I was not asked to provide any of this information but was only given a certificate of deposit to the teller. I gave the teller the check and received a receipt which I still keep. I was confident that the process went smoothly. On XX/XX/XXXX I realized that my online account was locked and that was when I made my first attempt to call the number provided online ( XXXX ). This is a call center, so each time I called I had to explain the situation from the start. During the period of one week that my check was placed on hold and my account was locked, I placed a total of 10 calls to this call center and paid one visit to my bank manager at the same branch on the following Tuesday before filing this complaint. None of my effort resulted in a resolution- both the call representatives and the banker deem unable or unwilling to help, or simply does not understand the situation. I kept calling and calling, and every time the response is different - none of my previous calls were recorded in their notes, and when I had thought a progress has been made and called back to check in, it is someone new who is unaware of all the efforts, documentations, scans, conversations that I have tried to make. In each call, I was told that they can not call XXXX because the XXXX number on the check is not a verified number in their system. Despite the fact that XXXX is a well-known company that issues payroll checks, Chase call center still deems XXXX non-verified and whose practice might be fraudulent. In addition, when I provided documentation showing my employer information, with the help of a branch manager, they still insisted that they can not call any numbers I provided ( my employer 's HR, recruiter ) because these numbers are unverified in their system. Chase said they can only contact my employer using the numbers on their verified system - the nature of these contacts and these phone numbers are not disclosed to me. I received assistance from my employer who provided me with Payroll email, but Chase again was not cooperative- refused to accept email addresses and strictly said they can only verify using verified phone numbers in their system. I have explored the option of cancelling the check and asked my employer to issue me another check so I can deposit it with another bank, but my employer said because Chase had already processed the check, the check showed as " cashed '' on their system and they can not cancel the check. As a result, it seemed that Chase had processed the check before taking any verification steps. In reality, they should have called either the check number or the employer 's contacts to verify a check before processing it, but hence their incompetence and lack of transparency and information to the customer resulted in a stalemate in which the consumers have to bear the consequences including ( 1 ) money held for uncertain amount of time and lost of interest gained from the hold ( 2 ) risk of account closing ( 3 ) waste of time and effort from the consumer to reach out and insist on Chase to resolve the problem. Given the current situation that Chase continuously refused to assist me with the current deposit hold, I am filing this complaint to alert others about this sneaky and malpractice by Chase and to avoid making a check deposit, either online or in person. Their workers are unaware, not cooperative, rigid, refuse or fail to understand common sense and refuse to show willingness to help their consumers. In addition, because I had opened a new checking account with Chase for their {$300.00} promotion ( I hav e a long-standing credit line with Chase Sapphire ) , Chase was still not cooperative in their assistance, showing me that they do not honor consumer relationships and treat us all with an inefficient, clueless call center. Chase 's lack of communication, willingness, and competence has prevented me from my fund to provide basic necessity such as paying off bills, including the credit card with Chase, as a result of their practice. | ||||||
| 07/11/2019 | Yes |
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| Hello. I am XXXX XXXX. Thank you for your help. I recently found out this year, in the beginning of XXXX, I had a credit issue showing up on my credit report. Back in XXXX, I opened an account with WaMu, with an additional authorized user. ( back then I was XXXX XXXX and shared this card with XXXX XXXX ). The card number was XXXX. Soon after I got the account, WaMu became Chase bank. I never used the card, but XXXX XXXX used it till XXXX of XXXX. The past statements show his last payment to the card was in XX/XX/XXXX. He made a last payment to it, for {$1500.00}. This paid the balance off, and he never used the card again. We went our separate ways. In XXXX, I bought a home and there was no issue with this card showing on my record. In XXXX, I did a refi on the same home and the issue also did not show up on my credit report. XXXX of XXXX, I did a third refi on the same home and this credit card showed up as delinquent as of XXXX of XXXX. Neither myself or XXXX XXXX have used the card since XXXX. I was told not to take care of it till after the refi, as it could hurt me during the refi. As soon as I did the refi, I contacted Chase Bank to take care of the situation. I first spoke with XXXX XXXX, and also XXXX from XXXX Missouri, both are a chase bank representative. She let me know there was an outstanding debt of {$850.00} left on the card that hadn't been paid, and that is why it went delinquent. It had gone 180 days pat due. I assumed XXXX XXXX had used the card and not paid it. When I spoke to him, he had told me he had not used it for years. Him nor I, are irresponsible with our debts. We have always paid our debts. For the record, I have never had an existing credit issue on my score, nor has he. I have never had an unpaid debt either. I agreed to pay the amount. I thought I was doing the right thing, by paying the balance, and this would fix the problem. XX/XX/XXXX, after I went through with my refi, I spoke to XXXX XXXX, to sent me an actual bill I can look at, to pay it. The bill was sent with only a balance for what I owe. No where did the bill reflect any activity of charges. I paid the bill XX/XX/XXXX, for {$850.00}. Again, I thought I was doing the right thing. {$850.00} is not a lot of money and I was happy to pay it to get this all cleared up. I had no idea this takes care of nothing or the questions I should've been asking to get it properly resolved. Time has passed and my credit score only got worse. I called Chase bank back and was pushed along to 3 people. They at this point shared the information with me on the account. Apparently, the card was charged of in XXXX and went delinquent in XXXX for going 180 days past due. The card had not been used for up to 5 years at this time. I was told after paying it, that there were 3 different consecutive charges made to my card, for {$200.00} even for each charge, at 3 different XXXX. I am assuming these were gift card purchases due to the even amounts. One at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Another, the very next day, at XXXX XXXX on XX/XX/XXXX for {$200.00}, and again, on the same day at XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. Myself, nor XXXX XXXX made these charges, as the activity of the card was later revealed to me. These charges are fraudulent. Even the nature of the activity of the charges seem fradulent. It is unlikely an individual would have to go to 3 different XXXX to get 3 gift cards, if they weren't trying to hide something. I never had a chance to argue these charges and the information was not disclosed with me until after I paid. I asked if they could delete the charge, as it is fraudulent and has already been paid anyway. I was told they did not have the ability to do that and it will be posted for the next 7 years. They did pass me on to their Fraudulent department. I was told I would be contacted the following week and sent an email. I haven't received a phone call, voice mail or email. I spoke with them XXXXout two weeks ago and have heard nothing from them. I have always paid my bills, and have never had any credit issues. One could go back and reflect my credit history and that can be verified. I then spoke to a refi advisor, he warned me once Chase got their money it doesn't interest them to figure out my credit issue and not to expect that call. Which would seem true as they have not contacted me. That is when he gave me a link to CFPB. I would like this removed from my credit record. Any help would be greatly appreciated. XXXX XXXX XXXX ( Formerly known as XXXX ) | ||||||
| 10/28/2017 | Yes |
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| In XX/XX/XXXX CHASE BANK offered me a Loan Modification of XXXXXXXX per month which were paid on time. Someone caused funds that I paid to be funneled to a different account (as identified by Attorney XXXX XXXX ) That amount of XXXXXXXX. created a computer missed payment triggering a foreclosure (I wonder who did that?) , and difficult to discover. Then, I was foreclosed on by publication from Chase attorneys XXXX and XXXX with no prior indication there was an issue. (I discovered today that XXXX and XXXX were indited committing an elaborate schemes changing signatures, modifying and inserting documents to fit their plans to deceitfully acquire my property, Which they did. The final hearing is XX/XX/XXXX, XXXX XXXX XXXX! 1700 foreclosures in XXXX were put on hold due to XXXX and XXXX! Thanks for alerting after I lost my house, XXXX, It would almost seem like you were in on it. I wonder if the judge knew also? Learning from XXXX XXXX, my defense Attorney yesterday, that there appeared in my file a turn down letter denying me a loan modification which I have never seen and I believe that XXXX XXXX may have fabricated this document, and other documents and placed them in my file. Causing the deterioration of my ability to negotiate with my bankers. Evidence of XXXX XXXX and collusion is that when asked in front of Judge XXXX (in the records) XXXX XXXX Judge, by my Attorney XXXX XXXX, on my behalf for the documents and payment history of the loan modification XXXX and XXXX claimed that a LOAN MODIFICATION WAS NEVER ISSUED. We then filed a motion for an affidavit of payment history. I continued to ask XXXX XXXX for that accounting but XXXX XXXX would not provide them until this loan was sold by CHASE until it wound up in the hands of XXXX XXXX. By this time XXXX XXXX just gave up. Then I found another Attorney (XXXX was my 3rd Attorney) XXXX XXXX was on NOLO and after speaking to many attorneys I found him to be very analytical and determined illegal activities had taken place and would like to reopen the class action, because again CHASE denied any payment history took place because there was no LOAN MODIFICATION, which is now in our hands and verified by 2 CHASE EMPLOYEES. Now is the time to present this to Judge XXXX XXXX gets the evidence to Judge XXXX, this is what Judge XXXX said: XXXX, Traditionally, the arguments are credited to the party (you) rather than his advocate (attorney). Essentially the thought is the party had a chance to present this evidence, and must not have for some good reason. I was asked why you didn't present this evidence previously, and I stated that it was present in an earlier construction of the file, but not orally argued. I said I couldn't state why it wasn't orally argued because it wasn't me who argued it. I believe I said "I can't know previous counsel's mind." Most judges are willing to let an attorney come in and at least give it a good try with a new argument, but I expect you faced some prejudice due to the age of the file. With that said, I stand by my statement on the appeal. Your evidence presented meets the standards for a motion to vacate and it should have been set aside with a new hearing on the merits. If I were a judge, I would have vacated based on this evidence, because it goes directly to your liability. XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone: XXXX Fax: XXXX XXXX CONFIDENTIALITY NOTICE: This email and any attachments are for the exclusive and confidential use of the intended recipient. If you are not the intended recipient, please do not read, distribute or take action in reliance upon this message. If you have received this in error, please notify us immediately by return email and promptly delete this message and its attachments from your computer system. We do not waive attorney-client or work product privilege by the transmission of this message. -------- Original Message -------- Subject: Judge says no evidence from new lawyer From: XXXX XXXX Date: Thu, XX/XX/XXXX XX/XX/XXXX To: XX/XX/XXXX XX/XX/XXXX, How can a judge prevent new evidence from being entered because it's from a newly hired attorney and not the previous attorney who did not understand the case or realize the evidence that you did? XX/XX/XXXX NOTE: THE ACTUAL MOTION TO VACATE CONTAINING VERIFIABLE EVIDENCE PRODUCED BY CHASE AS SELF INCRIMINATION ACKNOWLEDGING THEY DID IT. JUDGE WOULD NOT LOOK AT IT? SOMEONE SHOULD REALLY LOOK AT THIS CASE? | ||||||
| 05/18/2023 | Yes |
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| First Republic Bank has closed my two business accounts and one personal account because I deposited a business check from a new client that ultimately were not valid. This check was over $ XXXX. First Republic cleared the first check and issued full funds to my account. As a business owner and standard banking individual who has been banking with this same bank for MANY years, when funds are cleared in full by your bank we move forward with daily business practices. After the deposit to the account, I left to go on a business trip out of the country and FRB proceeded to freeze my accounts, lock me out of all of my banking cards and zero access to any of my accounts. FRB proceeded to hold all of my funds in all three accounts. I received another check while traveling from the same customer and I asked my private banker at FRB, if they want it deposited and they said yes. When I returned back home I found out that these checks were fraudulent. First Republic Bank pulled back all my funds from the other accounts and left my one business account negative over {$12000.00}. I gave the bank all of the supporting docs for this transaction and said I have a business wire coming in and this will take care of the negative balance. At the end of XXXX, the bank closed all of my accounts and I was unaware of this. However, as I promised, I had a business transaction with {$75000.00} wire being sent in from XXXX XXXX. With clear and precise communication with FRB, that this is a business transaction and I even gave FRB advanced notice so if they did NOT want to receive the wire they could have stopped it. Instead they said yes and thanked me accepted the wire. I shared the wire receipt with my FRB banker. Upon FRB receiving the wire, they have continued to hold these funds in my account for over 4 months now. I have been forced to get an attorney and the banks legal department and fraud department have NOT issued any documentation as to any reason other than they " FEEL '' that there is suspicious activity even though the have contacted XXXX XXXX directly to verify funds and that they are intended for XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have also shared all contracts and communication with the my attorney and the bank directly. FRB has sense closed the account and will NOT issue a cashiers check to me and the bank has now been bailed out by JPMorgan Chase. I continue to receive a statement of balance in the account each month of {$62000.00} mailed to me each month. I received a letter from JPMorgan Chase stating that my deposited funds are secured by FDIC. I went to the bank to receive a cashiers check and the banker was informed that I had to still work with legal. I have had a very lengthy call with FRB Senior Fraud Investigator, XXXX XXXX, XXXX, XXXX, to simply get more information as they have since reported me to SARS, but they can NOT give my attorney any information or supporting documents as to their findings nor will they release funds. I have expressed to the bank and my attorney, that I have now been Evicted from my own property, I can't pay bills and my business is now at idle because of this reporting and investigation that has resulted in ZERO findings of fraud or any other form of illegal activity. My attorney has reviewed EVERYTHING and has zero idea what is wrong and can not find any supporting evidence that would lead to the bank holding the funds. My attorney is XXXX XXXX, XXXX, XXXX. FRB has continued to make contact with other transactional attorney 's, banks and other parties involved in my business transactions that do not even involve the bank nor this {$75000.00}. I have even requested that since FRB closed my accounts and they will NOT issue me a cashiers check for the balance of the {$62000.00} in my account, please return the funds back to Verum who originally sent the wire to me. FRB has denied that too. FRB continues to contact via email or calling additional parties and banks involved in my development contract that has NOTHING to do with FRB, and these communications are now creating false concerns and acquisitions, Defamation of Character and all but destroying my business, my family, the roof over my head and I am now being faced with homelessness and forcing to shut down my business. I need these funds to either be sent back to XXXX XXXX or issue these funds to my company, XXXX XXXX XXXX XXXXXXXX, XXXX via Cashiers Check so I can move forward in my investments and development and regain control of my life and my families security. | ||||||
| 05/04/2021 | Yes |
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| I applied ( and was approved ) .... My Chase freedom unlimited ( ending number on card is XXXX ), visa signature card offered a sign up bonus of {$150.00} IF you spent {$500.00} in purchases the first 3 months. I fully fulfilled my end of this contract. there was no problem & it stated, & thus, I was first awarded the {$500.00}. It then ran up to XXXX with other purchases & cashback rewards from use of card. MUST be noted, this card does NOT expire until XX/XX/XXXX. . I called the other day -- to be exact, XX/XX/XXXX -- as I was making updated notes on my credit cards ( I have 5 ), also thinking to activate the quarterly " bonus '' reward categories & to my utter shock, they told me they " closed '' my account & yes, furthermore, took back the money ( earned rewards ) they owed me. As you imagine I was flabbergasted, saying that's impossible, you can't do that. I outlined I have {$150.00} coming to me & most vitally it's not even CLOSE to date the card is to expire ( so yes, is blatant theft. We had a contract! Plus equally confusing is if I were out with JUST this card, and it's often I have only ONE card on me -- it would NOT work as they closed it all without notifying me! ). They said somewhere buried in their small print it states they can ( if card not used in a year ). I mean, there's been a pandemic on & our spending & finances have been horribly impacted like most others. Still, that shouldn't matter really! Again, this card does NOT expire ( OR Was NOT TO ) until XX/XX/XXXX. Over TWO years, I have the card right here! I do not see where, I looked up their terms, but also if that IS " buried '' in their small print, that is equally unethical, as it is not known to users ( I assure you ). That is NOT something to " bury '' ... .it 's a lot of money! They then tried to say they believe they sent me a letter of notification. I assure you NONE was received ( and our mail was more than spotty during pandemic ) as I would never EVER overlook a letter informing me a credit card I own was being closed due to NOT being used enough. Plus, no, other than choosing to spend that initial amount for sign up bonus -- and that is left to the person to do or not do! -- there were NO instructions on what ones " usage '' must be. it's vital to know if a card has annual fee or other conditions such as that. I have never in my life experienced something so overtly fraudulent & if not illegal ( I believe it is ), MOST egregiously unprincipled in my life. I will assume if this is allowed, they can ( are & WILL ) steal back literally hundreds of thousands ( if not millions ) of dollars doing this unsound practice to unsuspecting customers. I DO have 2 other Chase credit cards and that is due to their approving me. They offer this sign up bonus of their own free will, no one put a XXXX to their head. If they did not want to honor their offers, the time to refuse doing so is when one applies, certainly NOT afterward. Actually refusing persons with stellar credit stores like me seems mildly unethical, again, IF not approved, then at least there's no real harm done. I believe I'm not only entitled to this money ( in fact, they even knew the exact figure -- {$150.00} -- without my stating it first so they are well aware they contracted it with me ) but they have NO leg to stand on for closing an active, in " good standing '' account just to overtly steal the money that was loaded on it. The representative I spoke with said she " understands '' my frustration, " wishes she could help me but can't! '' and lastly, she would pass on to supervisor to review & I'd get copy in my email that day of my case. I was generous in waiting more than that day on what is a very pressing matter to me. I had her read back my email address twice. Obviously since I'm here, NONE came. And in calling to follow up, another rep today said she had no notes or information on this card they closed. Please help me, I'm desperate & very alarmed something like this could even happen. I've closed a credit card account once ( as it was too hard to reach them for assistance ) & was immediately sent a check for what was due for my rewards. This just can't be! Also I've never ONCE paid late or caused any issues for them with this or any credit card Lastly please excuse all the massive detail but I wanted to error on side of comprehensive than to leave you with pending questions. Still that said, if you need ANY additional information, please don't hesitate to ask. Thank you so much. XXXX XXXX. | ||||||
| 06/27/2020 | Yes |
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| To whom this concern My name is XXXX XXXX, Ive been CHASE customer for a few years now, and opened a college account for my daughter XXXX in the XXXX TX branch, my daughter lost her debit card, on XXXX we started getting overdrafts on her account for deposited or cashed checks on her name, which were fraudulent and supouse to be posted on XXXX, but there's no activity on the bank account none of this transactions were registered, so we couldn't find out what was going on, until XX/XX/XXXX the first 2 overdrafts appeared, they were DEPOSITED RETURN CHECKS? that came out of no where, we reported this to chase and called immediatelly, they closed her account and frozen the account, I filed the claim for the first 2 checks, but more overdrafts appeared on the account continuously in XXXX and XXXX, we have been calling over and over and faxed the claims but nobody has contacted us from the fraud department, when I finally got tired of waiting I called again after seing 10 checks and a total of {$4300.00} aproximately overdraft in the account, they told me XXXX XXXX was in charge of my case, her number is XXXX, I called her and got her voicemail on XX/XX/XXXX, she returned my call saying the claims were rejected because the pin was used and I had to pay that money so she transferred the {$4300.00} from my personal account to offset this negative amount and on top of that she froze my own checking account affecting my business, my personal life etc the last two days she posted two moe overdrafts of the same amount without a check number! it just says " misc deposit '' how come the bank feels entitle to charge me for money is not justified? this is totally ridiculous This account has my hard earned money of over 60k I sold my house and now everything I have its frozen, without notice other than a cold and unprofessional voicemessage from this lady, she is on vacations and will return until Tuesday XXXX, she left in charge XXXX phone number XXXX, I called him and I just got his voicemail, at the branch could not do anything either, I checked the statement and I dont see when this 10 transactions were registered in the system as they never occurred, all I see is the returned checks charged into my account, none of your customer service agents, claim department agents or fraud department agents can answer what happened in fact they seem very surprised and told me something is very wrong on your end, now I have many questions : 1- How come CHASE is giving money without registering the transactions in the system? 2- How come the fraud department didnt catch all this 10 checks? 3- Who gave the money to who? 4- How can somebody cash a check when the account has no sufficient funds? 5- Is the fraud department supouse to monitor for unusual activity? 6- why do I have to pay if we are victims of chase security being breached? As a customer I feel very angry and disappointed that I trusted this financial institution to take care of my money, instead I am paying for somebody who is not their job of investigating what really happened, and on top of that CHASE bank is affecting my business and my personal life, I am getting married next week, and my family is coming to visit and to celebrate the wedding, I am not going to pay for some dishonest teller they might have as employee or hacker or their system being breached. I am writing in hopes somebody investigates this matter and resolve it in the right manner and unfreeze my funds. I am enclosing the statement showing those transactions were never placed in my daughters account, the last time she used the card was on XX/XX/XXXX when she went to XXXX and used to take an XXXX, then somebody used it to check the balance on the account and to cash or deposit a check on XX/XX/XXXX, then two little deposits on ATM machines of XXXX and {$5.00} probably to see if the account was still open, after that I just got charges for bounced checks, my daughter only used this account to eat at fast foods pay her cell phone or take XXXX to school. I would appreciate to resolve this manner, and answer all of my questions. She even lost a {$600.00} deposit from his tuition to pay for school since the account was in negative. I need this money back and my account to be unfreeze asap, and I will never use a bank again in my life, its the most unsecure thing to do. I also need legal assistance on this matter, and to get this to the upper management of the JPMorgan management. Contact me by email at XXXX Please somebody help us Thank you Sincerely, XXXX XXXX XXXX | ||||||
| 05/15/2019 | Yes |
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| Charges were made by an ex girlfriend named XXXX XXXX over a period of time without the knowledge, consent, permission, or authorization by myself. Once the fraudulent charges were discovered, I attempted to recover the stolen funds by demanding repayment of the money from Ms. XXXX on behalf of Chase credit card. This made logical sense as Ms. XXXX was in school to be a XXXX at the time and was a single mother of XXXX. By doing so, Ms. XXXX would avoid criminal charges IF she followed through with the agreement and paid the balance in full, or face criminal prosecution. Chase would also benefit as they would face NO losses in the matter and would be paid in full plus their interest. 2 years after making the agreement, Ms. XXXX failed to pay off the cards and additional theft was discovered after it was discovered. She had also stolen the personal information of myself and all credit card information including the card numbers, expiration dates, security codes etc. and was using them electronically. Criminal charges were filed against XXXX XXXX for the theft and a report was filed with all effected credit cards to report the fraud. Ms. XXXX is under XXXX charges for theft and a copy of the police report has been provided to all affected credit cards. In total, 3 cards were compromised by her theft, to date, Chase is the ONLY credit card refusing to acknowledge the criminal activity and are instead accusing myself of causing the theft becuase as they stated " I allowed her access to the cards because she lived with me ''. Chase is refusing to acknowledge the criminal charges and are instead telling me I am responsible for the balance and that the matter is a civil matter, even though I made a GOOD FAITH effort to entirely eliminate their losses from her theft before asking them to become responsible through their 100 % Fraud Protection Guarantee. They are not in breach of their agreement to protect card holders from fraudulent transactions and instead are attempting to create a fictitious " rule '' that attempting to arrange for the payoff of criminal activity on behalf of the card makes the card holder civilly liable for the fraud. I was successful in recovering a small amount on behalf of Chase, yet they would have received nothing had I at least made this attempt. Complaints have also been filed with the NC State Attorney Generals Office on this matter ans well as OCC since they are also a nationally governed bank. Chase is falsely advertising their promise of 100 % Fraud protection and have willfully been negligent in this matter through false advertisement and misleading statements when the fraud was reported to their company stating on record on a recorded line that " There is no requirement you must report fraudulent activity in 60 days for you to be protected. It does not matter when the fraud happened, we do not hold our card members responsible for charges they did not authorize ''. They now are trying to deny this is the case after this was stated on the initial call in XX/XX/2019 to report Ms. XXXX fraud and to provide them will ALL documentation to their company in order to assist in recovery of funds through Ms. XXXX prosecution. Chase is negligent i n the fact that they willingly are stating they will not participate in the criminal proceedings which would allow them to recover all funds in the case. Charges have already been filed and Chase would need to do nothing further than cooperate with the investigation to recover their funds and will remain 100 % reimbursed. It is NOT the requirement of the victim of a crime to defend themselves in a fraudulent case when the victim has CLEARLY taken every avenue to not only assist the credit card with preventing losses to their company, but also taken the steps to file criminal charges against their now own ex girlfriend to ensure proper justice is given to all parties involved, including Chase. It appears through this situation Chase is intentionally refusing to participate in order to attempt to make myself responsible for the charges so they will not need to lift a finger for themselves. In this case Chase does not deserve reimbursement as they are attempting to place 100 % of the burden on my shoulders where they have not attempted to even enter the recovery process with the criminal aspect of the case and therefore are responsible for all losses of their own fault. All documentation has been provided to Chase and acknowledged including fraudulent charges and copies of the police report for their records. | ||||||
| 10/25/2019 | Yes |
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| On XX/XX/XXXX, I applied to a job posting on XXXX for an opening as a XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX, CA. In several hours, I was contacted via email by an individual named, XXXX XXXX ( Recruiter ) from XXXX. In her initial contact email, I was told that the online recruitment team has selected my resume for an on-line interview. For more details about the position, I was to contact Ms. XXXX XXXX ( Senior HR Specialist ) through XXXX XXXX or XXXX at { XXXX }. Within about an hour, I went through a XXXX XXXX interview with XXXX and acknowledged the terms of employment. Upon further discussion, I was told that the job is strictly remote work from home and will require the purchase of specified office equipment. A check from XXXX 's assigned vendor would be mailed to my home address and be put towards the purchase of home office equipment. That same evening, I signed and dated an Offer Letter from XXXX VP and CIO, XXXX XXXX. It took three full weeks, but on Saturday XX/XX/XXXX, I received the check in the amount of {$4900.00} and deposited it into my primary checking account with Chase Bank. The teller reviewed my account and then the check. She didn't suspect anything was wrong nor did I. {$500.00} of my initial deposit cleared immediately while {$4400.00} of the remaining deposit was delayed. Come Monday, XX/XX/XXXX, the funds delayed funds where 100 % cleared into my primary checking account and I followed a very specific set of deposit and purchase instructions. I was told by Mr. XXXX via email to place a Money Order at my local Chase branch for {$3000.00} and deposit it into the XXXX vendor 's Primary checking account at XXXX XXXX ( XXXX XXXX XXXX XXXX ). Next, I was told to purchase {$2000.00} in XXXX Store cards and send images of the barcodes to secure my XXXX employee account ( Username and Password ). In total, I spent {$5000.00} to meet my employer 's request. On XXXX during XX/XX/XXXX, I woke up to the shock of seeing my primary checking account overdrawn due to the initial check deposit being flagged for " Alteration '' by XXXX XXXX XXXX. I spent hours since getting into contact with fraud and recovery agents from Chase Bank to claim my innocence and reach a respectful business resolution. I tried very hard to work this ordeal out with Chase Bank but in the end, I was notified via mail on XX/XX/XXXX that Chase Bank has decided to end our banking relationship. In closing, Chase requested that I pay the remaining overdrawn amount of - {$3700.00} in 10 business days or be subject to collective action. After six consecutive years of upstanding business with Chase Bank, one bad check led me to an unfavorable series of events that turned my personal finances completely upside down. My account access was restricted, and Chase debited all my personal savings in the amount of {$1000.00} to my checking account without my prior consent or authorization. This situation left me in need of emergency cash access from my personal savings and my local branch was notified to deny my withdrawal. In addition, Chase Bank took it all even further by debiting my beginning checking balance of {$2500.00}. Altogether, I was left with zero cash access, bowing to the mercy of my credit cards as a last resort. In desperate need of help, I've since filed a Police Report with my local law enforcement and have been assigned a detective. An investigation is underway for Grand Theft. XXXX has since informed me that XXXX XXXX is working with local law enforcement to find the ones responsible for stealing the digital identities of their official employees. Overall, to be victimized in a professional scam then vilified by your banking institution is a process I never encountered before. Rather than conducting a full fraud investigation and adhering to federal regulatory affairs, Chase Bank noted that I should have followed their undisclosed deposit protocol. I've had to make CC cash advances to pay Chase Bank off. Ive had to contact all three major U.S. credit bureaus to place a fraud alert and credit freeze report. It took me weeks to establish a new primary checking account at a new financial institution. The worst part of it all, Ive had to delay payments towards monthly bills because of not having a primary checking account during the gap period. One of the worst situations of my life has cost me the financial security I worked my whole life to obtain. Please see all attached documentation as supporting case evidence. I will mail more evidence in correspondence to this case. | ||||||
| 06/09/2023 | Yes |
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| The transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX On XX/XX/XXXX, around XXXX I went to a chase bank to deposit my earnings for the day ( I am XXXX XXXX ). For one reason or another I accidentally left my card in the drive through atm. I did not immediately notice, so I preceded to go home and go to bed. The following morning ( XX/XX/2023 ) I received a fraud alert via text. I immediately checked my account and saw that a XXXX XXXX transaction had been reversed and the transactions from above were authorizations. I called the chase fraud department to notify them of my issue. The rep I spoke with was pleasant and assisted me with locking my old card, sending me a new one, and disputing my transactions. I was notified if the transactions in question were to post, I would be refunded temporarily while chase conducts their investigation. On XX/XX/2023, chase claims department came to the conclusion that they would not approve my claim. I called and spoke with a rep the following morning to be notified I was denied because my pin was used on these transactions. I requested a supervisor because I know this was not true. This supervisor notified me that the previous rep was wrong for saying this and he/she would get a coaching on telling consumers the wrong information. This supervisor also appealed my decision for me and I was told it would take 3-5 days for my claim to be opened again or not. On XX/XX/2023 my claim was not opened again. Of course being frustrated I called spoke to a rep and then requested a supervisor. This supervisor was the most helpful, he listed to my issues, he even let my know that the card that was closed was still being used after I closed it, and received a new one. This rep also let me know that my initial claim was set up wrong and the representative stated I still had my original card in my possession. Whatever the reason were for me being denied, he assured me he would open the claim again and there would be no reason I will be denied again. On XX/XX/2023 I received a temporary credit again and was told once again no need to worry you will get your claim approved with the information that was provided. XX/XX/2023, my claim was denied once again. I called again to follow up and see why. The first customer service rep I spoke with, I immediately asked for a supervisor. This supervisor did not care about the two month long battle I had with her company or anything else she told me my pin was used thats why I was denied and talked over me. This of course made me irate and I began to yell. I disconnected the call and called again. Same process, I requested a supervisor the moment I talked to a rep. This supervisor was more patient and understanding. I let her know a brief summary of what I was going through and how the place I lost my card was a Chase bank and I wont understand why no one will look at the ATM cameras. She told me there was nothing more that she could do. On XX/XX/XXXX I went into the Chase bank where my card was stolen and notified them of wanting something to be done. The branch manager explained all they could do is either file a complaint on my behalf, or let me sit with a banker while they talk to a claims rep and try to open my claim for a third time. I was advised a complaint was the best option. It is now XX/XX/XXXX and I spoke with a supervisor with the complaint department for Chase. This individual let me know there was nothing they could do except see if the claim could be opened again or find the exact reasons as to why I was denied. This all has been a nightmare because : 1. My card was stolen from a chase bank drive through ATM with cameras. 2. All transactions that were unauthorized were restaurants, gas, and bars. All of which do not require my pin. 3. I spoke to multiple supervisors that all said there would be no reason why both of my claims would be denied ( and they both were denied ). 4. Once I was denied I was given conflicting information from multiple reps/supervisors. 5. Chase as a company did not do their due diligence on investigating these claims and left it to me the consumer to figure out. Granite this is only XXXX dollars but I work hard for my money and to be told by whoever that I authorized these transactions are wrong. They did not do their job and denied me on no good basis at all. They did not do their job correctly. | ||||||
| 11/02/2022 | Yes |
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| I was caught in an XXXX XXXX XXXX scam after a mutual friend 's account had gotten hacked and I was under the impression that it was her who was talking to me. She then referred me to another account that had " helped '' her get started and at the time I had lost my job and was in a bad place so I just wanted to see if it would work. This started around XXXX and she seemed nice and gained my " trust '' because she seemed like a real person and she also knew my friend so I thought she could be trusted. In the beginning, she also kept assuring me that it is 100 % safe and legal and her XXXX page also had a lot of " testimonials '' and seemed legit. She asked me for an initial investment of {$1500.00} to get started with her company " XXXX XXXX' account and that is where the money would be entered and then after the profit was made I would be able to cash it out. Then she said in order to get the funds out I needed an additional {$2500.00} which I told her I did not have and could not do it. But she insisted and said she would pay half to " help '' me out, and at this point, I really just wanted to get my money back so I paid the {$1500.00} for an upgrade. Throughout the conversation, she kept saying that I will be able to get my money back immediately right after the deposit was made and I kept asking her for reassurance if she was serious and she kept telling me, yes yes it is safe. Anytime I made the deposit and would tell her to give me my money back she would keep making excuses and saying I need to pay the " tax '' fees and go through the process to get my money back " immediately ''. She would always use that word and never deliver. After a while of not getting my funds, she wanted me to invest a certain amount into XXXX, but my card was not working and kept getting denied. After I got mad at her for lying and letting her know that I am going to report this to the bank she then referred me to her " XXXX '' who started by sending me a picture of his " ID badge '' and a certification as a XXXX XXXX XXXX which I thought was real and then got me to send a picture of my ID as well. He then asked for my bank login so he could return my money right away. I was desperate at the time to get my money back and was not thinking right so I gave it. Also, the scammers always loved calling through XXXX and I wouldn't pick up the girl 's call but the XXXX seemed adamant that I talk to him and I realized that the voice and accent did not match his ID picture at all. He then proceeded with what I now know as the " Refund Scam '' he put funds into my credit card account, this happened in XXXX after the whole runaround with the scammer before, then told me to buy {$6000.00} worth of XXXX XXXX XXXX and send it to him. At first, he wanted me to buy XXXX XXXX XXXX XXXX 's which I really was not comfortable doing. After I told him no I am not comfortable doing that he said that was the only way to get the money back and kept using a sense of urgency to get me to do it. At the time I was not aware of these refund scams that had been going around because I had not been exposed to them until now. I understand that I should have been smarter but they got me at a bad and desperate time. After they wanted me to get more gift cards I was fed up and done and called my bank and reported XXXX XXXX transactions as unauthorized transactions. XXXX were made on XX/XX/XXXX and XXXX for {$1000.00} each, the third payment was made on XX/XX/XXXX for {$900.00} and a fourth payment was made on XX/XX/XXXX for {$500.00}. Which is a total of {$3400.00}. They also transferred {$1500.00} from my credit card account by the use of my XXXX account which I reported as well. I do not have a job and all my savings were taken by these scammers and I called the bank and reported these transactions on XX/XX/XXXX, they returned the fund temporarily but after their investigation, they said all the logins were consistent and after getting the runaround with no help all agents were saying that they do not have the 'rights to recover " since I had authorized the transactions. I told them I was scammed and each one just kept saying that they do not have the right to recover and that there was nothing they could do. After doing some research I learned about the CFPB, XXXX and Regulation XXXX I began to file reports of my incident and do whatever I can to retrieve my hard-earned money. It is not right that someone can just scam you and get away with it and leave you to fall further into despair. Please help me. | ||||||
| 05/23/2018 | Yes |
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| During the week of XX/XX/2017, I discovered a package on the front porch of my former residence - a vacant property that I still owned, but had listed for sale. Unsure of what the package was, but knowing that XXXX was around the corner, I took the package with me to my current residence. A couple XXXX searches and my husband and I were able to identify what the item was - a Robot Coupe XXXX Commercial Juicer ; however, there was no information on the package to indicate who it might be from. Without opening the package, we phoned family members, but no one confessed to buying us a juicer. Around the same time, we were monitoring our credit card balances to budget for holiday gift purchases, and noticed an unexplained {$1200.00} charge on my Chase credit card. We called Chase to inquire about the charge, and they provided the vendor name - XXXX XXXX XXXX. We immediately opened a fraud investigation, as we had never heard of, nor purchased anything from XXXX XXXX XXXX. That's when we realized that the commercial juicer may be related to this charge. We did some searching on the XXXX website, and our suspicions were confirmed. We subsequently called XXXX XXXX XXXX and verified they did receive an order for that item in my name and using my credit card, with a bill to and ship to address of our former residence. The representative we spoke to agreed that they would settle with Chase, or provide a refund and accept the item back if Chase determines the charge is not fraudulent. At the time we felt like we had two good options to resolve the issue. After several weeks, we were notified of the result of the fraud investigation and Chases decision to deny the charge as fraudulent. The reason given was that a fraudulent credit card purchase would not be shipped to the address of the credit card holder. Seems logical, but that wasn't the case in this situation. We immediately called Chase again and explained the situation and asked that they please re-review. A manager agreed to re-review and talk with the XXXX representative who had agreed to help resolve the issue once Chase had finished their investigation. Chase opened a second fraud investigation. After many more weeks, we finally received notification that the second fraud investigation was also denied because we received the item. Chase was kind enough to tell us that after speaking with XXXX, that XXXX will not allow us to return the item. Frustrated with Chase, we contacted XXXX on a Saturday and spoke with a sales agent who confirmed the order was placed through the XXXX website, and submitted a request for return. The agent told us that the returns department, who work Monday-Friday only, would be in contact. Before ending the call, he wanted to verify my contact information and confirmed my phone number. When he tried to confirm my email address, he gave me an unfamiliar email address that was associated with the order placed under my name and with my credit card. This email address was " XXXX ''. I have never heard of that email address or any person of that name. To me, this seemed like a clue and a step towards proving that I did not place this order, and the charge and entire transaction is fraudulent. Because Chase never mentioned this, I suspect they never inquired about an email address, IP address, etc. that would have been associated with the order placed on the XXXX website. During the following week, we did not hear back from anyone in the returns department. When my husband called to follow up, he was told that XXXX would not take the item back, that they don't stock the item and that it was passed the 30 day return window. If it was within the 30 day window, they may have taken it back with a significant restocking fee. All of this, despite the fact that they initially assured me that they would take the item back and provide a full refund once Chase 's investigation was through. I don't know what to do. I am beside myself over a near {$1300.00} fraudulent charge for an unwanted item that I somehow received and have no use for, associated with an order I didn't place, submitted to a company I have never heard of. Chase is essentially calling me a liar, and the XXXX XXXX XXXX company lied to me when they initially said they would accept the item back. It pains me to think that if I would have been dishonest and claimed that I never received the item, Chase would likely have removed the charge from my account. I am an honest person, and I would expect an honest resolution to this matter. | ||||||
| 02/16/2023 | Yes |
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| I was part of the XXXX and I filed my paperwork and fell under all five of the criteria for the class action lawsuit and I was sent something saying that I was going to receive a check for {$130000.00} and I never received it! The way my case went is my first mortgage company was Chase home mortgage and I was doing good financially my credit was excellent! That's when I switched jobs and I was able at the time to take a loan out with my bank for {$10000.00} no problem when I contacted my bank and asked them about taking a loan out because me switching jobs kind of set me back a little financially.He said well XXXX you know I have no problem loaning you Money but I can't because you were delinquent on a mortgage payment and I said no I wasn't he said well if you can get it figured out I will loan you the money but they can't just take something off your credit report!! So I called Chase home mortgage and I was talking to a lady and she said that I was late on the payment. So I said no I wasn't we actually sent in two payments for that month and if you look at the file you will see that so she did and she was saying how sorry she was and that it would be taken off my credit report. They sent a letter saying that they were going to and still didn't! So I called them and they said they sold my mortgage to another company XXXXXXXX XXXX so I was telling them what Chase had done and they didn't care so I was asking them if they could help me out with my mortgage and they ended up putting my back payment on the front of my loan bringing my mortgage from {$580.00} to {$1200.00} and the next month they made my payment even more and sold it to XXXX XXXX so now I can't make my payment so I filed for bankruptcy to try and save my house with XXXX XXXX XXXX and paid them gave them all my information and they said we would be fine that they were going to stop the sheriff sale and that we would be ok! Well the sheriff sale came and I was wondering what happened so I called XXXX and the woman XXXX XXXX said we're sorry but we lost your paperwork XXXX XXXX and I said what does that mean she said we lost it in our recent office move so it never got filed!!? I was like what? I told her I wanted my money back! She said im sorry but you don't get your money back and hung up! So I called back and said well I guess you are going to have to talk to my consumer law attorney and I hung up the phone on her! Well she called right back and said she was so sorry to come get my check well now they had a lot of my paperwork too and I didn't get that back! So I get a letter in the mail saying I have court in a week XXXX XXXX is foreclosing on me and I need to vacate the property and this is the first letter I received from them about foreclosure! So we go to court and XXXX XXXX 's lawyer wants us out right now and they never had a sheriff sale and it was never posted in the local papers!? So I said legally don't we have 6 months to vacate the property? He said nope if we go back in the courtroom and you try to ask for more than a month I will tell them that you need to go now and I can have you out of there in a week or we go in there and I will give you a month and that's it! So I didn't know what to do I had to at least have a month!! But that wasn't even close to the time I needed to get my stuff out of there! So I lost a lot of my belongings and that lawyer wasn't even with XXXX XXXXXXXX this guy was from a law office in town I found out later! So I went to the library and filed a complaint with the FCC and it must have hit a nerve with you guys because you sent me a couple of checks small ones saying it was to help out for the time being and I received more paperwork asking me the details of my case and you guys said that I fell under all five of the criteria of the law suit and I was going to get a check for a {$130000.00} or something close to that and I never received anything? It says if you were under certain mortgage companies that your money would be here and if it was with these companies that the OCC would be taking care of it and if you don't get it that it would go to the Minnesota department of unclaimed assets but I don't have a claim # or a file #? Could you please help me out with this? At least get me some help of some kind I've been on and off homeless since this has happened!! : ( My name is XXXX XXXX XXXX and my wife was on the mortgage with me her name is XXXX XXXX are address was XXXX XXXX XXXX XXXX XXXX MN XXXX thank you so much for whatever you can help me with! : ) | ||||||
| 11/01/2021 | Yes |
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| I am writing on my own behalf with no assistance from anyone else, using just the law which is available to the public at large. As a natural person and federally protected consumer, I am aware that my consumer rights are being violated. Today, I witnessed my private property being stolen as CHASE AUTO FINANCE has hired XXXX XXXX to repossess my automobile, a 2010 XXXX XXXX from my place of abode, a prohibited action while in billing error. I was never disclosed the determination of the finance charge via meaningful disclosure required in 15 USC 1632, in violation of 15 USC 1605. Nor was I given disclosure of my right of rescission, in violation of the Truth in Lending Act and Regulation Z. CHASE is engaged in abusive and prohibited debt collection practices in violation of 15 USC 1692 subparts : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. I have rescinded the security agreement and power of attorney and issued my own which CHASE is not permitted to decline. CHASE did not notify me of errors which were to be corrected in the event that language in my contract was deficient. If my billing error was sent to the wrong address, CHASE did not provide me with their preferred billing error address per 15 U.S. Code 1637 ( b ) ( 10 ) and failed to notate the error and dispute : ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ).. '' In addition to aggravated identity theft CHASE and affiliates are subject to criminal liabilities for violation of Unauthorized access device is defined at 18 U.S.C. 1029 ( e ) ( 3 ). | ||||||
| 02/18/2020 | Yes |
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| In XX/XX/XXXX my Grandson account in which I shared was compromised. Someone cashed a XXXX into his account when the most he has had in the account was XXXX he used for college expenses while attending the University of XXXX at XXXX XXXX. He immediately called me. I went to Chase bank on XXXX XXXX XXXX in XXXX XXXX and spoke to a branch manager to make them aware of the fraudulent activity. I was told by the banker that they couldn't close the account but they would restrict the account. My question was how could the bank approve this transaction when their wasn't enough funds in the account to cover the fraudulent check. The banker stated she wasn't aware. I received a letter from Mr. XXXX XXXX stating he was the investigator on the account. I called him and he informed me that he needed to talk to my grandson about the transaction. Mr. XXXX stated that the transaction was made in California. I informed Mr. XXXX that my grandson was away at college in XXXX XXXX, Arkansas. My grandson called Mr. XXXX several times and left messages and he never return his calls. We have phone records to prove he called Mr. XXXX. XX/XX/XXXX another fraudulent check was cashed into a account that was supposed to be restricted. My daughter and I went to the same location in XXXX XXXX and spoke with the banker. We brought the letter that was sent from Mr. XXXX XXXX. The bank tried to call him and made several attempts and left a email as well. The banker stated that the XXXX was not cashed because the account was restricted. I filed a claim with the banker on XX/XX/XXXX. Mr. XXXX XXXX froze my husband account which doesn't have anything to do with my grandson account. He then took the XXXX from my husband account. My husband went to the XXXX XXXX branch to inquire about his account and talked to a Banker name XXXX XXXX who gave my husband information about my grandson and my account without my permission. There are privacy laws that has been compromised. My Husband informed Ms. XXXX he doesn't have anything to do with my account and she told him she needed to talk to me after giving information about my separate account. My husband and I came back to the bank and Ms. XXXX called Mr. XXXX. Mr. XXXX yelled and stated that my grandson never called him so he took the money from my husband account. He then stated that no claim was filed. I informed him that I did filed a claim on XXXX. Mr. XXXX claimed he couldn't file a claim. Ms. XXXX researched it on her end and informed Mr. XXXX that a claim was filed. Mr. XXXX hung up. My daughter went to the XXXX XXXX location to file a complaint against Mr. XXXX and Ms. XXXX. We had to sign documentation giving her permission to talk to Mr. XXXX. My daughter talked to Mr. XXXX and he was extremely rude and stated that my grandson had to pay back the money. When my daughter asked him how was anyone able to cash a check of that account when he never had more than XXXX in the account since he has had the account. Mr. XXXX said he did not have to answer that question. My daughter also stated that my grandson can't be in three places at the same time. On XX/XX/XXXX he was in XXXX XXXX, Arkansas when that check was cashed and he can get an attendance log from his school stated that he was in class on both days the fraudulent activity occurred. After filing an complaint, Mr. XXXX changed his story in his supposed investigation. I obtain an attorney, who submitted information to chase bank. On XX/XX/XXXX, chase sent a letter stating now that the check was submitted through XXXX XXXX ending in XXXX. My grandson Chase card ends with XXXX. Not sure what's going on but the numbers they gave are not associated with my grand son or myself. My daughter account was compromised twice while in XXXX XXXX. First time was in XXXX when we dropped my grandson off at school and second time was XXXX when we came for a visit. Many students from XXXX that attend XXXX have experienced the same thing. I truly feel like this is an inside job and someone from Chase bank is the real culprit. I am disappointed that this company prey on individuals and take their money. The amounts even changed during this supposed transactions. Mr. XXXX stated the first amount was XXXX but on the letter I received on XX/XX/XXXX they are now claiming XXXX was cashed on XX/XX/XXXX. When I went to the bank to obtain documents that was advised by my attorney, I was told they were told not to release anything or speak of this situation. I was advised by my attorney to file this complaint. | ||||||
| 07/17/2022 | Yes |
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| I paid a fraudulent moving company XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX and my checking account via check, a total amount of {$1800.00}. XXXX payments went out the amount of {$300.00} XX/XX/XXXX, and amount of {$900.00} XXXX XXXX. I paid them via check the first time {$100.00} XX/XX/XXXX. I know this adds up to {$1300.00} but we did pay them a total of {$1800.00} so far. Not sure if the other {$500.00} was paid via check or XXXX as well. The moving company took our things XX/XX/XXXX, increased the amount of the binding estimate by more than double the amount, are holdings our items hostage, and now are claiming that another fraudulent company took our things. At this point, we do not think we will see our items again. I contacted Chase customer service, and they did not want to refund us the amount of {$1800.00}. Even if they could refund us {$1300.00} that would be fine. Attached is a more detailed description of what they did to us. My husband and I are recently victims of a moving scam. The moving company took approximately {$19000.00} dollars worth of goods and have not returned the items to us. We just relocated from XXXX XXXX XXXX. The moving company stole our property from XXXX XX/XX/XXXX. We just filed two police reports for harassment in XXXX because they called my husband and threatened to continue to hold our items hostage if we do not pay a certain amount, and today they contacted me via text message and phone from number XXXX claiming that someone else is identifying themselves as their company. The person who texted me goes by the name of XXXX, and did not provide a last name. At this point, my husband and I think the moving company are not going to return our items to us. XXXX XXXX XXXX, or XXXX XXXX XXXX, XXXX XXXX XXXX under XXXX XXXX XXXX XXXX are scamming us during our move from XXXX to XXXX XXXX. Initially the binding estimate was appx in the {$1800.00} to {$2000.00} with a guarantee that it would not go up, then it went up to {$2300.00} a week before our move which we had no other option to agree upon. The second binding estimate went up because of the amount of boxes my husband and I thought we were going to pack which was 60 boxes. We ended up packing only 15 to 25 boxes and threw away a lot of our furniture. They initially agreed on a {$500.00} deposit and then XXXX made us pay a {$900.00} dollar deposit to hold our moving space. They said they would take 50 percent at pick up and 50 percent of the amount due at drop off. They picked up our things XX/XX/XXXX, and informed us via text message that we owe {$5300.00}. They threatened us to hold our stuff ransom if we do not pay 60 percent of the amount up front. I told them I only agree with the binding estimate amount. So far we have paid them {$1800.00} in total including the deposit. They have not e-mailed us a receipt of the second {$900.00} we XXXX recently to them and have not updated us with delivery information. We have been paying them through XXXX. They changed their XXXX e-mails multiple times, refused to take credit or debit card. First man I spoke to was XXXX with no last name provided. I also spoke to XXXX with no last name provided, and recently spoke to XXXX with no last name provided. The only full name of a person I spoke to was XXXX XXXX. A woman named XXXX called me the next day after the movers picked up our stuff trying to haggle my husband and I for more money and send us an e-mail harassing us and threatening us that they will hold our stuff ransom if we don't pay them what they want. This has caused emotional and financial stress for my husband and I. We are starting new, buying new furniture and things we need to survive and to get by. One of the reasons I was desperate to hire movers, because I broke my foot XX/XX/XXXX and they took advantage of my XXXX. Numbers they use - XXXX, XXXX, XXXX, XXXX. Website they use, XXXX XXXX XXXX They also picked up our things from a rental truck, not a legitimate XXXX XXXX XXXX truck. More information, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX payments were going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and they have a lot of negative reviews on XXXX. XXXX, a man we interacted with from XXXX XXXX XXXX, actually is identified in one of the reviews from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 17 Photos & 31 Reviews - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL - Phone Number- XXXX Thank You! | ||||||
| 01/11/2023 | Yes |
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| On XX/XX/2022 we, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of 10 years with major corporate clients such as XXXX XXXX, had a meeting with a representative from Chase Bank, XXXX XXXX, a personal business specialist. We stated we wanted to move our business checking over to Chase Bank from a small mom and pop institution due to our financial growth that the mom n pop couldnt handle nor offer adequate business services. We wanted to make sure first when we brought corporate checks worth over XXXX from our client that it would not be held or would be able to be available within a reasonable amount of days two to three days. This was to better prepare us to switch so much over to Chase, the accounting software, our subcontractors, our bills, etc. Whatever it takes replied XXXX as he responded we should have no problem with all that. We stated to XXXX that the check would be in the amount of {$100000.00} are you sure there wouldn't be a problem with us depositing this check with no outstanding holds on the money. XXXX reassured us that there would be no problems, he was the guy that could get the job done. He would just have to click the button and he can take the hold off the check. This is exactly what we were told. on XXXX third. We brought the check to Chase Bank in XXXX Connecticut branch XXXX XX/XX/XXXX in which the check was given to branch manager, XXXX, who walked to the counter to begin processing the deposit. XXXX then told us that the computer showed it would be cleared 4 days later, XX/XX/XXXX, we were very pleased with this. Saturday morning Chase now extended the hold to XX/XX/XXXX. We were first told by XXXX and XXXX this was due to a problem with a XXXX XXXX check bouncing or something. Then by Monday XX/XX/XXXX after involving XXXX XXXX to alert them of the issue with check it was then said per XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX of XXXX that Chase has a policy that all checks from XXXX are held two weeks due to what they suspect was some past fraudulent activity ( somebody trying to deposit a XXXX check that wasnt theirs ). They gave XXXX their Key contact person to call to verify the check is viable and no stop payments were to be made. This should allow the funds to be released sooner than XX/XX/XXXX, according to them. We then discussed with XXXX, we asked him to do the homework back in XXXX to check if we would have a problem with depositing a XXXX XXXX check, did he know of this policy? He replied he didnt know, we dont believe XXXX or XXXX truly looked into this. We told them who the client was, we discussed the amount, and we feel they should've looked further at which he could not give us a straight answer. He said I don't know what's going on. I've never seen this in my life let me call somebody and escalate this. On Tuesday afternoon around XXXX XXXX the highest escalation dept calls us trying to resolve the situation.They wanted to keep the hold in place. The individual XXXX a representative of complaints ' escalation then tells me that due to the fact of a high deposit, the account was flagged he could see the credit of {$25.00} opening the account he could see the credit of {$6800.00} check from a XXXX XXXX and then he could see the {$100000.00} XXXX XXXX check. In no terms did he bring up any policies other than that it was a question in the deposits being made into the account and they are required to hold the check longer. He then refused to give me his last name or badge number when I asked for it. I became very upset at this because XXXX XXXX are relying on this money to keep their businesses open and they have threatened to post negative info about this on social media platforms and discuss contacting XXXX XXXX, breaking our 3 year contract. I am relying on this money to keep my business open, currently all operations for all our 6 businesses are now shut down.Our credit score is dropping by the minute due to late payments or no payments being made to any of our bills. XXXX are being returned for mortgage payment, lease payment, truck lease payments, ruining the credibility of our company, everything took 10 years to build. I have never not paid a bill while in business. This was something between these two organizations which was never brought to our attention. No policies were brought up in person or on phone, nothing that ever reflected that there was a policy in place against XXXX XXXX from Chase Bank. Also XX/XX/XXXX we filled out a business credit card and still have not heard .... | ||||||
| 11/07/2017 | Yes |
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Web | Servicemember |
| On XXXX XXXX, with a signed sales contract from XXXX XXXX and copy of her drivers license, I sent payment of {$850.00} using visa debit card using XXXX XXXX app. This payment method was agreed to so that I would have the safety of XXXX XXXX terms and visa protection as well. ( I presented copy of the sales contract and drivers license to Chase claims team on XXXX/XXXX/XXXX by fax. ) On XXXX XXXX, I contaced Chase claims dept in the evening once it became clear that XXXX XXXX did not meet the terms of sale. The Chase claims rep advised amount disputed would be reversed. I asked her if needed to provide any documentation or proof and she said no need. I also asked if needed to call XXXX and if possible reversal would occur, she said not to worry that this was taken care of. I did receive the reversal of the {$850.00} that evening back into my checking account. I had not heard anything additional by phone or email contact until on the evening of XXXX XXXX, my Chase phone app notified me of a debit for {$850.00}. I immediately called into Chase and was transferred to the claims dept. They advised I should have received an email so the rep asked me to verify my email address. The morning of the XXXX, I received 2 emails from Chase with a link to letter denial reversal to occur on my account. The letter was dated the XXXX as well but the reversal hit my account on the XXXX. Furthermore, the letter provided no option to appeal or any further option other than to call in to their claims team. The claims team I called advised would be able to reopen if I provided additional information to present. I faxed 8 pages of documentation to the Chase claims team on the XXXX. I also messaged XXXX XXXX and was provided a link to their terms showing can appeal and also received an email that they would work with my bank to review the appeal. I then called Chase to confirm receipt of documentation to appeal. I was advised shows received and will be reopened. On XXXX XXXX, I called back as Chase has subsequently charged 12 x {$35.00} in the process of the reversal with no notice. The rep XXXX with Chase claims apologized and noticed that nothing actually had been done with the documentation or the claim that I sent. He also said he did forward and reopen. Further he advised he put in a request to back office to reverse the 12 x {$35.00} fees and I would for certain see the credit back in my account within 24 hours. I asked him if he was certain and he advised not to worry that indeed I will see the credits. He did mention the call was recorded as well. Very upset that I have been told Chase was handling things and then it is not taken care of. XXXX XXXX, I called Chase again since the credits did not apply. The rep was looking into and call dropped. XXXX XXXX called back and talked to Any in Customer Service transferred while she stayed on the line to XXXX in Claims, and then to XXXX overseas claims supervisor. Asked for XXXX rep and was transferred to XXXX XXXX. She advised she is in the claims escalations dept. She reviewed the documentation and advised Chase will not be resubmitting the appeal. I advised her that XXXX XXXX had emailed that would be working with Chase as the card issuing bank to review the dispute appeal. I advised her that XXXX terms on their sight specify appeals process available but XXXX advised she is higher tier rep and more ability to determine. She reviewed and refused to send appeal information. She also advised they show letter notice sent on the XXXX and XXXX, and not received she can not verify. Advised received 2 emails after I called evening of the XXXX so either they did n't send or did n't have correct email. Also, XXXX advised that the letter dated the XXXX provides no options for further appeal nor further options. I called in and the reps provided no other options as well and no further options for appeal. Once I raised the issue further, is when the reps said they could reopen with further documentation. Asked XXXX if there was anyone above her to review for escalation, she advised she can escalate. I have requested her numerous times on the call to resubmit the info documentation to the merchant and she advised will not. Even after I explained to her that XXXX had advised by email they would be working with them on the dispute appeal, she advised based on Squares initial denial, Chase will not resubmit. I asked for further escalation above her. She advised may take a couple days for escalation person above her to call me back. | ||||||
| 05/04/2021 | Yes |
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| On XX/XX/XXXX, I received a promotional email from Chase claiming they were offering {$200.00} for opening a Chase Total Business Checking account, and completing the qualifying activities. I read all the fine print, and confirmed the requirements listed below included everything needed to be performed in order to receive the {$200.00} : 1 ) Be a new Chase business checking customer. 2 ) Before XX/XX/XXXX, present the offer code at my local Chase branch when opening a Chase Total Business checking account. 3 ) Deposit at least {$1000.00} in new money ( i.e. an account other than Chase ) within 20 days of opening the account, and maintain at least that balance for 60 days. 4 ) Perform at least XXXX qualifying transactions within 60 days ( i.e. debit card purchases, Chase QuickDeposit, ACH credits, or Wires ( credits and debits ). 5 ) Dont close the account for at least 6 months. On XX/XX/XXXX, I walked into my local Chase bank in XXXX XXXX XXXX, California, and spoke to XXXX XXXX about the above offer. I provided him the promotional offer code and created a Chase Total Business checking account that day. Well over the {$1000.00} minimum was deposited into the account, and the account has never fallen below that minimum. I told XXXX exactly what transactions I intended to make in order to qualify for the {$200.00}, and he verbally confirmed with me they would qualify. I then proceeded to perform the qualifying transactions, as confirmed valid both by the promotional offer and by XXXX. I performed ACH credits from my XXXX account to my Chase business checking account on the following dates : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX After having met all of the requirements above, and having never received the promised funds, I contacted XXXX on a number of occasions over the timeframe of about a year and a half. Each time, XXXX confirmed the fault was on Chase bank, not myself, and assured me that he would personally ensure the funds were deposited into my account. Most recently, I spoke with him on XX/XX/XXXX, and he promised me I would see the funds in my account by the end of the month, as well as take care of another issue regarding a credit card ( a whole different, major screw-up on Chase 's part in and of itself, which despite several promises that it was taken care of, never was* ). It is now the end of month, and the funds are not in my account, nor have I received any sort of followup from him to explain why they are not. * For those interested in knowing what the credit card related issue was : I applied for a business credit card, which I was already pre-approved for. I found it strange that Chase never sent me a confirmation email after applying, or contacted me in any way, so I met with XXXX to see if he could check the status. I spent over an hour on the phone with XXXX and XXXX card services, found out they denied my pre-approved application solely because it was too new, but after answering a few questions it sounded like they were willing to reconsider my application. It went through a secondary review where initially I was told all I needed was a document proving my EIN ( despite having already providing this when creating my bank account ). I provided the document, then hear nothing. Several weeks later I call back and find out their records show they still need documents from me. By the way, every document they need has to be sent through a teller based on their processes. I cant just resolve everything with them on the phone via email, so I ask XXXX to look into it. He calls me back later and brings me into a call with someone from Chase card services, whom asks questions Ive already answered as if shes not really listening, the says I need to prove to her the address Chase has already been sending me bank statements to for already a year. Incredibly stupid, but XXXX sends out the bank statement to the other department, so I assume its taken care of. I call back a couple weeks later to check on the status and find out they never received the document. I then go through the whole process again, this time sending a pay stub for additional verification of my address, which they already have been sending bank statements to which Ive also already proven by sending back to them. After being assured that everything was finally squared away, I called back a couple weeks later to check in and was told they never received the documents in time so my application had expired. | ||||||
| 10/10/2019 | Yes |
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| On XX/XX/2019, I deposit 6 checks double endorsed in increments of {$4400.00} each, totaling {$26000.00}. On my receipt it stated that the funds would clear on XX/XX/2019. About 2 days later, I had gone to make a purchase and unbeknownst to me, my account was blocked. I became aware when I realized that I had funds in my account and I was unable to make purchases. I then called the bank and spoke to a Chase representative and I was then informed by the telephone banking representative that my account was blocked and I was unable to use it due to fraudulent activity. The representative proceeded to ask me where did I get the funds from, who gave the checks to me, and insinuated that I was committing fraud. I informed the representative that the checks were never reported stolen. That Thursday XX/XX/2019 I was to receive a payroll deposit from a XXXX XXXX XXXX government agency and when I went to check my account balance I saw that my direct deposit did not post to my account. Again, I called a Chase representative and I was informed that there would be a two business day hold placed on the funds, because a fraud alert was placed on my account. I have been getting direct deposit to my account for over 3 years from the same government agency. I was told the funds would be available the following Tuesday because that Monday was a holiday and the bank was closed so I had to wait an extra day. When I checked my account again, I was told that the only way that I would have access to the direct deposit balance would mean I had to go to a branch and withdraw the funds, and I would be able to withdraw the direct deposit from my account because again my account had a fraud alert placed on my account. I then went to the a branch on XXXX XXXX to withdraw the funds and I was told that I had to see a banker. When I went to the banker he told me that he had to get permission to release the funds because my account was flagged for fraud. A couple days went by and my account was now closed. At no time out of all the times I had contacted Chase had any of Chase bank representatives contacted me regarding the closing of my account. I called the bank again regarding the account closing and after being questioned about where I got the check from again, and who did it belong to and I had committed fraud, I was then told that the person whose check it belong to needed to come to the bank and verify/authorize my depositing the funds into my account. From day one I was never informed of the proper steps to take to resolve the issue. I then came into the bank at XXXX XXXX XXXX, XXXX, New York with the person to authorize the check deposit was not fraudulent and I had permission to make the check deposit and to reopen the account so the funds would be released. I was then told that the check was mailed back to me and I had to wait for it to arrive in a few days. That never happened so I went back to the branch only to be told by the branch manager that a certified check was mailed out and that I should receive the check by Friday XX/XX/2019. I never received that check in the mail. I then went back to the bank on Monday XX/XX/2019 and spoke to the branch manager again and she forwarded me to one of the bankers at the XXXX XXXX branch named XXXX. XXXX advised me that the check was sent to some other department for release and that my accounts were closed and I would have to withdraw the funds that were remaining in that account. XXXX then called their 1800 customer service phone line where he spoke to one of his colleagues to locate the whereabouts of the check and verified that we took the proper steps to verify the check deposit. After verifying all of the information, I was told the check would be overnighted to me, that never happened. I then called the bank again and I was told that it would not be mailed out until the following week. During this time I was told since this account was closed I could reopen another account, a few days later this account was closed causing my direct deposit to return back to my employer. I was then told that I could not open another account at Chase. This has caused my bills to fall behind and my reputation to open an account at Chase Bank to end. I would like for my account to be reopened and whatever notation that is noted and preventing me from opening up an account to be removed and a written apology from the bank along with some customer service training on how to respect customers and not all customers are committing fraud. | ||||||
| 10/03/2018 | Yes |
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| This is an update on an existing complaint XXXX. 1. As stated previously, I called the tel. no. of the Chase complaint dept. ( provided on the denial letter from Chase ). They claimed I never responded to request for more information on my issue with XXXX. I told the rep that I had sent a letter, dated XX/XX/2018. She insisted that they never received a letter from me. 2, However, I learned this was not true. On Friday afternoon, XX/XX/2018, around XXXX, I received a phone call from XXXX regarding my claim. I asked XXXX if she was calling because of my complaint with CFPB. She said yes. However, that was not true either. I was confused, but I think she was more confused. I thought they admitted they had received my letter because of my CFPB complaint. 3. On Monday I received a call from XXXX XXXX, in the Executive Office ( Phone # XXXX. Ext. XXXX. She told me she is in the Executive Office, and was responding to my CFPB complaint. Confused, I asked if she was the same XXXX I had talked to on Friday. She wasn't. She, however, also knew that Chase had received my letter on XX/XX/2018. She was calling to tell me that there was nothing further that Chase could do to refute my claim. It was a lengthy heated conversation. Her reasons were as follows :!!!! I have no dispute rights,!!!! Under Visa/Master Card regulations. I asked to see where that is written. She told me I couldn't because that information is proprietary. She told me to contact Visa. ( That is just unbelievable, but must be true ) .ALSO, she told me that I do not have documents to prove my claim. She also said anything from the internet does not qualify as proof. Now what is a cardholder to have as proof when they book a car on the internet?????? Then she told me that they ran a test booking on the internet and they were satisfied that the vendor was due the {$500.00} he was charging. I told XXXX that as soon as I realized XXXX had done a bait and switch, I called to stop the charge from going through. When I called to stop the charge from going through, the Chase Rep told me I had to wait for it to be approved. Executive Office XXXX XXXX told me the charge was authorized even before I made the Chase call to ask it to be cancelled. Why am I getting two different stories?? This is scary. And, if Chase had honored my request to stop, or reverse the charge, XXXX would not have listed me as a no show, thus charging me for 7 days for a car that never left the lot, Chase, I feel, had a responsibility to act on my behalf. If they had, XXXX would have known I did not want their booking. XXXX said that because I agreed to their terms and conditions when I checked that tiny little box, then I should have known I told XXXX that I would have been HAPPY to pay for the XXXX if XXXX hadn't deceived me with the price. And I AGAIN AND AGAIN explained that when I tried to call XXXX to cancel, the phone never answered. If I called that number once, I have called it a dozen times. To this day, that number for cancellation DOES NOT ANSWER! Chase never tried the phone number. WHEN the test, or trial booking was attempted to support their denial of my dispute, they never duplicated the same process I did. ALSO, XXXX sent proof that I checked that tiny little box. They sent several pages of my internet booking, but they never sent the page that showed they got my credit card BEFORE they confirmed the price. I asked XXXX about the fact that they charged me a higher amount than the advertised price, but I didn't know that until I got to the next page. She said, " Well, we can't ask them for every little minute. '' But my one and only issue with this company is that they took my credit card before they confirmed the price. No matter what I said to XXXX dismissed it -- For example, I went on line and checked consumer reviews of this company and there are dozens and dozens of complaints that show that this company has a pattern and practice of deceit and fraud. She said they don't make decisions on other people 's opinion. I am not a person that files complaints and I spend thousands and thousands of dollars monthly, and pay my bill in full. My credit score runs between 700 and 775. I am honest and I live with what I consider high ethical standards. And by the way, this may be significant, but I am not sure. I called XXXX XXXX XXXX and told them about the problem I had with XXXX, and that I would not be renting that car. I ended up renting a XXXX. I had it for a week and I booked it through XXXX. | ||||||
| 12/04/2019 | Yes |
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| The issue is in relation to chargebacks. In late XX/XX/2019 I filed complaint with chase against a company called XXXX XXXX because the RV had cold tires, the customer service is impossible to get a hold of, they were misleading in terms of not having a maintained RV which resulted in a very cold dark night. The van had so many unacceptable issues mechanically and non existent customer service. ( I can provide proof ). The problem is that XXXX XXXX. The problem is that this unscrupulous vendor not only had provided a Prosuct that is not only unacceptable, but more importantly unsafe with no actual means of customer service or assistance. Despite my better judgement, and because I knew I was risking Chase freezing my debit card as a result of any fraud report, I was so indignant about what we had to deal with that I actually called Chase to report the issue while in XXXX despite the fact that a I knew reporting it could potentially mean that Chase May want to close the associated debit card without the ability to provide me a replacement while abroad. Anyways. Despite the risk I may be without that debit card while overseas, I decided to proceed with the claim. I explained to the representative my situation and that I wanted all charges from XXXX XXXX investigates because they did not provide a product as described or in all honesty safe. I explained I wanted them ALL investigated. -side note. Chase was aware of my travel plans and had very clearly asked them to note that not until my return would I address any issues on my account unless absolutely necessary. Unfortunately at the time I made the claim I was not aware that XXXX XXXX had broken up their van rental cost in to small but arbitrary multiple charges. Once I learned this I instructed the agent to dispute all from XXXX XXXX because they are unscrupulous at best, fraudulent at worst. After that I continued my vacation in XXXX using chase as my primary financial choice. During my 3 months of travels I used chase for somewhere in the ballpark of {$20000.00} in financial transactions, maybe more. ( 3 month period Late XXXX through late XXXX. ). Upon my return ( XXXX XXXX ) I rested and began dealing with finances and other neglected things. One of these tasks included going through all the charges on my Chase Accounts ( 2 checking /one savings/1credit ) and balancing them, looking for fraud etc. Makes sense to review ones bills after ( AFTER ) a trip. Found some few things I did not recognize, and had a few items that I wanted Visa to help me with. The biggest of these was a XXXX charge from XXXX XXXX and the reason being was inadequate security and attempted XXXX XXXX by a staff and then the inability to reach anyone from XXXX to address the matter. ( Chase said this may qualify ) obviously theres more to the story, but if you listen to the recorded calls onXX/XX/XXXX-XX/XX/XXXXyou will see that I was advised that I could make a claim on this. Also in the calls from Same dates you will hear me going over several unrecognized charges with the representative and choosing to err on the side of caution NOT disputing any of them. But what I did notice is that CHASE made an error. Remember that RV rental company XXXX XXXX. Well I noticed that CHASE missed 2 of their charges on the original claim. I think there was 6 or 7 but chase missed 2. Simple oversight. I pointed this out to representative and asked that the existing claim investigation be adjusted to the correct amount. They told me no and had to be a separate and new claim despite my protests. So best I can surmise is that some algorithm flagged my account based on a misperception Id claim abuse but the reality is that there are only 2. XXXX XXXX and XXXX XXXX, the latter being advised by agent that was a qualifying and valid reason that I had to make the claim. I was given no warning that my account of many many years was being closed and was humiliated at the pharmacy because I was declined when there was a line behind me. To make matters worse when I went to the bank to demand answers, not only did I learn about Closure but even worse I was as given no reason as to why. I demanded on an independent and individual review of the recordings. Misinformation and mistakes made by chase, and consideration to the fact that I was resolving months worth of transactions simply because I had ended a long travel. It is my opinion that this decision was made without investigating the facts and is unjust. Thank you | ||||||
| 10/19/2023 | Yes |
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| on XX/XX/ I opened my Chase app and checked my transactions and to my horror saw that my checking account was drained basically. There were XXXX transactions all to XXXX electronic over a XXXX period ( XXXX XXXX XXXX XXXX ranging from purchaces for random game credits in ranges such as XXXX to XXXX and XXXX XXXX. Of course I freaked out and called Chase fraud. They locked down all cards and credited me back the approx XXXX in my checking account. They assured me everything was ok and they just had to investigate and verify its fraud. So, when I got off the phone with Chase fraud department I wasnt worried because inside the Chase app, XXXX somehow uploads a receipt for all XXXXXXXX XXXX XXXX transactions to the Chase transaction it is tied to. It showed random XXXX XXXX not linked to my email and random billing addresses. They are typically XXXX XXXX game credits repeatedly charged. Ive never bought a game from the XXXX XXXX in my life of course. I thought I was in the clear. I must reiterate, inside of the Chase application itself, XXXX sent digital receipts to the card number linked to the transactions. Not a single one of these receipts was tied to my XXXX XXXX or my billing address or were using XXXX method of buying the game credits. When referencing legitimate receipt for an XXXX purchase, such as the subscriptions monthly for XXXX XXXX storage and XXXX music, the receipt always references my correct email/XXXX XXXX and my correct billing address in the correct state I reside in. The fraudulent transactions do not match my months/years of legitimate XXXX XXXX XXXX transactions and it is clearly unauthorized fraud from a compromised debit card number. On XX/XX/XXXX, I noticed that Chase has decided that I authorized all of these XXXX transactions and they have decided to financially decimate me by clawing back the XXXX XXXX on XX/XX/XXXX. I was basically in tears reading it. I called fraud department and they informed me that The case has been closed because of lack of evidence of fraud and previous transactions to the vendor. So basically because I am an XXXX customer like millions of others I am being destroyed. They never asked me for proof of fraud or to upload documents until I called today? So yes I spent XXXX hours today uploading XXXX XXXX receipts that I got from the CHASE PORTAL, back to CHASE. I dont even know if this is good enough or relevant? They are so unclear about what burden of proof I need. Secondarily, I uploaded proof of my own XXXX XXXX ( same email as my Chase account ) and how none of those charges are on my own account and how my real charges receipts always have the same correct billing address and email. I am hoping this will be enough.? The fraud department seems like its based in XXXX when you call them, and they seem unsure of themselves and what proof I need to upload. They instructed me that I could upload these things to the portal but don't reopen my case and don't give me clear instructions on what I need to provide them or how they are actually investigating the claim. They provided me no evidence that I was the person who authorized these insane charges. I made a complaint with the XXXX and went inside a physical Chase bank location today. The Chase executive office reached out to me but still has not given me any clear answers on what they are doing or what i NEED to do to fix this fraud against me. I provided them with the same receipt proofs i provided the claims department and my claim remains closed and against me. Secondarily, I would like to point out something I feel should be noted. When reviewing a receipt that is legitimate and belongs to my actual account, there is a paranthesized " XXXX XXXX '' descriptor in the receipt. I noticed for every fraudulent transaction that uses the wrong email/XXXX and wrong billing address, it also is missing that the transaction was done via " XXXX ''. I believe that paying for things via XXXX requires the actual access to my personal icloud account and phone to register a card with XXXX. The fraudsters didn't have such access so none of their fraudulent transactions have the " XXXX '' marker. Just something additional that separates the XXXX. I feel like Chase is trying to adversarially bend me over, especially since they closed the case because lack of evidence BUT never asked me FOR EVIDENCE in the first place. I feel very blindsided by their process. I don't trust them. I am a victim of a crime and demand vindication. | ||||||
| 07/11/2018 | Yes |
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| On XX/XX/2018, my partner of 14 years was unable to go to Chase bank due to a health condition. I was already POD on the savings account of {$81000.00}. At this time, he requested that I go to the bank and inquire if I should be added as POA along with POD so I would be able to transfer money at his request, as we were informed his illness was now terminal. This news created a tremendous amount of stress for me, which I communicated this to the bank employee. She understood my present situation and assured me she would be happy to help and said this would not be a problem as long as I had the legal documentation, which I proceeded to hand her. I confirmed that this request was just to add me as the POA, as I was already POD. She stated of course, she had me sign papers, but gave me no copies and said everything was set up. Little did we know, I would lose my partner so soon, he passed away XX/XX/2018. After I received his death certificate, I went to the bank to get the money so that I could handle the obvious expenses. The same female bank employee waited on me and proceeded to pull up our information and it was at the moment when she realized that she made a terrible mistake and removed me as POD and only had me listed as POA. At that time, she said she couldn't help me. I asked her how is this possible that you made this terrible mistake, she clearly stated that she just clicked the wrong button, she then went and pulled the signed paper card that showed I was the POD on this account. So I contacted her manager, which confirmed and agreed the employee had indeed made the mistake, but would have to check with her manager, who was not helpful at all to the point of even being was rude and said that I would have to file a complaint with the Executive office, which of course I did. I spoke to 2 different people the second person I spoke with was the one that would handle my case. This person clearly stated that she in deed had spoken with the branch manager and confirmed that the branch employee had made the mistake and they were trying to resolve it has quickly as possible. She told me on numerous occasions that it was the branch that was at fault, but this still had to be investigated. She continued to tell me they were still looking into it and they had 45 days. After the 45 days on XX/XX/2018, they contacted me to inform me that I would now have to get a lawyer and a court order to get this money. I appreciate your response, but you didnt addressed the issue at hand, the issue is that XXXX XXXX and XXXX XXXX, manager admitted that they were at fault for taking me off as POD, also XXXX from the Executive Office admitted that the branch was at fault. I confirmed that this request was just to add me as the POA, as I was already POD. She stated of course, she had me sign papers, but gave me no copies and said everything was set up. Little did we know, I would lose my partner so soon, he passed away XX/XX/2018. After I received his death certificate, I went to the bank to get the money so that I could handle the obvious expenses. XXXX XXXX waited on me and proceeded to pull up our information and it was at the moment, when she realized that she made a terrible mistake and removed me as POD and only had me listed as POA. At that time, she said she couldn't help me. I asked her how is this possible that you made this terrible mistake, she clearly stated that she just clicked the wrong button, for she was still new at this time, she then went and pulled the signed paper card that showed I was the POD on this account. So I contacted XXXX, manager, which confirmed and agreed that XXXX had indeed made the mistake and she stated it was 110 % their fault. In your response letter, you stated that I am requesting you to honor the previous document. However, that is false, as I am merely asking you to correct the error that was made by the branch employee and the manager who confirmed the mistake on XX/XX/2018. I was removed as POD only because she clicked on the wrong button in the computer, which removed me as POD and left me listed as only POA. There are no signed documents from my partner that would remove me as POD. I am sure you would agree that it would be senseless for my partner to give me access to his account when he was still alive, but remove me upon his death? Why am I being penalize for their mistake? I have the Will and all signed documents proving that I am POA and POD of all his accounts and personal properties upon his death. | ||||||
| 07/16/2021 | Yes |
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Web | Servicemember |
| Hello my name is XXXX XXXX. I own and operate a small veteran-owned business. The name of the business is XXXX XXXX XXXX XXXX, and currently has no employees. The situation that has led me to reach out to the Consumer Financial Protection Bureau is fraud/thief that has occurred within my checking account for the business. On or around XXXX I called Chase customer service and requested a stop payment order on all checks for all of my checking accounts that I have with them. I have a total of three checking accounts with Chase. Two personal checking and one business checking. On or around XXXX I called Chase customer service to double check and see if the stop payment order was done and applied to all my checking accounts. At this time I was informed that the previous representative didnt do the order correctly and the order will be redone. Again I requested the stop payment order will be for ALL of my checking accounts with Chase. The representative informed me that the order will last for up to one year, and I will have to reissue the stop payment order for all checking accounts if I want to continue with it after a year. On XX/XX/XXXX Chase allowed the first fraudulent check # XXXX of {$470.00} to be electronically debited. I didnt order checks for my business checking account over the phone, online, or by any other means. The address on the check does not exist : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. The phone number on the check is not mine. I do not know the individual on the check, and that signature on the check is not mine. On XX/XX/XXXX and on XX/XX/XXXX Chase allowed the same/double fraudulent check # XXXX of {$800.00} and {$120.00} to be electronically debited from my business checking account. The address on the checks do not exist : XXXX XXXX XXXX, XXXX XXXX Texas XXXX. I do not know the individual on the checks. And the signatures on the checks are not mine. On XX/XX/XXXX Chase allowed fraudulent check # XXXX of {$120.00} to be electronically debited from my business checking account. The address on the check does not exist : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. And the signatures on the check are not mine. On XX/XX/XXXX Chase allowed fraudulent checks # XXXX and # XXXX both for {$120.00} to be electronically debited from my business checking account. The addresses on the checks do not exist : XXXX XXXX XXXX, XXXX XXXX Texas XXXX is on check # XXXX, and XXXX XXXX XXXX, XXXX XXXX Texas XXXX is on check # XXXX. The signatures on the checks are not mine. On XX/XX/XXXX XXXX allowed fraudulent check # XXXX of {$1800.00} and fraudulent check # XXXX of {$300.00} to be electronically debited from my business checking account. The address on the check does not exist : XXXX XXXX XXXX, XXXX XXXX Texas XXXX. I do not know the individuals on the checks. The signatures on the checks are not mine. Along with the stop payment order initiated for my checking accounts, I was advised by the phone representative of Chase to put a restriction on my business checking account. My understanding from the explanation given by the representative on the phone was that my account would be restricted from anyone including myself, but I can still make deposits to the account. I agreed and allowed the representative to put that restriction on my account. There was no business being conducted at this time. Business resumed operations in late XXXX. On or about XX/XX/XXXX. On XX/XX/XXXX while conducting business in the New York area and making the first deposits in several months into the business checking account, it was noticed that the business checking account had been fraudulently compromised. At this time it was learned that the account restriction was not done correctly, and the Chase phone representative and branch manager in XXXX New York placed the correct restrictions to the business checking account, and a new account was also issued. It was discovered by the Chase phone representative and the branch manager in XXXX that the total of the fraudulent activities/transactions including checks and ACH debits is {$10000.00}. Chase fraud department did not send any fraud alerts to my phone regarding the checks. Nor call me directly informing me and/or asking if I had written any of the fraudulent checks from my business checking account. If Chase fraud department would have immediately alerted on the fraudulent checks all of the fraudulent activities would have been prevented. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/19/2019 | Yes |
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| Please see the following : I applied for a new account for a Chase Southwest Airlines card after being told by a representative promoting the card at the airport kiosk that I would be eligible for the bonus points even though I had a Southwest card in the name of another business. They stated that since its a different taxpayer ID and completely different corporation, I would be eligible for the promotion. After applying and spending the the required amount I receive a postcard in the mail from Chase saying I'm not eligible for the bonus. After multiple attempts to explain the case to Chase, they never addressed the deceptive practice of telling a customer they are eligible to convince the customer to sign up for a card they otherwise would not have signed up for. Now, after spending the required amount and having another inquiry on my credit report and all the negative things corresponding with opening a new account, chase refuses to honor the XXXX point offer. There are only two explanations, either Chase is deceptive or Chase is incompetent in training the staff. I just request that Chase honor the promotion and stand by the info given by their representative aggressively marketing their card at the airport kiosk. Thank you. XXXX XXXX, Chase Card # XXXX XXXX Dear XXXX, Please be aware of the following : a ) you did not address an agent of Chase and Southwest provided what you are now deeming incorrect information. I asked and was specifically told that I was eligible for the bonus because the account was for a different business all together. If you do not stand by this, then this account was opened under fraudulent pretenses. I will have no choice but to file a CPFB complaint if you do not address this issue. b ) even in this email below you provided inconsistent information. another representative stated that it was 24 months from receiving a bonus. You state its 24 months from an account closure date. It is clear Chase has no idea and its representatives and agents are poorly trained. c ) if this was clear, there would have been NO way I would have opened another Chase account. There are only two options here, either Chase is deceptive or incompetent. In either case the customer who's now spent nearly 10,000 on this card should be granted what was promised. Please response within 24 hours so we both can avoid the CPFB process. XXXX -- -- -ORIGINAL MESSAGE -- -- - Hello XXXX XXXX My name is XXXX and I am an Account Manager within our Secure Message Center. It is my pleasure to assist you on your Southwest Reward credit card. We understand your rewards are important to you. I will be happy to provide additional information. We are sorry you went back and forth with Chase and Southwest. We have found that you recently had a Southwest Business account. In order to be approve for another account bonus offer you would have to wait 24 months from the date the account was close. We understand you would like for us to honor your request, unfortunately we would not be able to honor the bonus offer. We hope you understand this decision is the same for all cardmembers. If you have any questions or concerns, please call us anytime. We appreciate your business and thank you for being a Chase customer. Sincerely, XXXX Chase Email Servicing XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX:XXXX Spoke to multiple Chase and Southwest employees regarding the denial of the XXXX promotional points. The last call was with XXXX. Chase had requested a message from SWA stating that the kiosk person at the airport promoting the chase credit card gave incorrect information regarding eligibility for an additional card under a different tax ID. The message was that as long as the card was under a new SSN or Tax-ID then it would be eligible for the bonus points. It was under that pretense that I applied for the card ending in XXXX. Back and forth on the phone, Chase accused southwest employees of giving incorrect info, and Southwest has stated that those are actually Chase representatives that provided incorrect info. Nonetheless, me, your mutual customer applied and spent on a credit card that if I were given correct info, would not have done so. Therefore I am requesting that card XXXX be eligible for the promotional points as we have spent considerable money on this card already. Thank you. If you have other questions please listen to the phone call recorded with your representative XXXX in XXXX. Regards, XXXX XXXX | ||||||
| 03/04/2018 | Yes |
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Web | Older American |
| JP Morgan Chase Bank XXXX has once again threatened me with foreclosure ( see attached ) while refusing to acknowledge wrong accounting and that the " alleged '' loan They " Say '' belongs to XXXX XXXX when in fact it does Not, as per the report from the FHFA-OIG in XXXX. Also, JP Morgan Chase Bank XXXX has Not fulfilled the RESPA ( see attached ) I sent them correctly and or in full, while the Mortgage and Promissary note and Allonge I had a document authenticator Expert examine and were found to be Fake and also Unattached, on XX/XX/XXXX at the office of Attorney XXXX XXXX XXXX, clip art, robo signed and etc ... were used to fabricate these documents! JP Morgan Chase Bank XXXX Claims to be the original from XXXX, in fact are not! but are FRAUD!! I will show this document only in court and my expert will be testifying to her report!! I have once again tried to get JP Morgan Chase Bank XXXX to look at the original transaction history they sent me in XXXX showing XXXX XXXX XXXX XXXXXXXX as the owner of this bad note. The attached XXXX XXXXXXXX XXXX XXXXXXXX payment history clearly shows wrongful accounting, whereas the payments posted into an escrow account that did not exist at that time ( I paid my own out of pocket ) as well as wrongful fines and charges. Both of these things went on for years totaling over {$8000.00} and also covered up payments. These wrongfully posted payments are the cause of the so called by Chase to be in Default. Anyway, for the THIRD time in 3 yrs JP Morgan Chase is threatening to foreclose on me, because I refuse to give them this money again and instead now are claiming that they " may '' acellerate this alleged loan, to THIS week and enter my home to take posession!! I have my home posted No trespassing all around it and will have anyone arrested if they try to do this to me! XXXX XXXX DOES NOT OWN THIS ALLEGED LOAN and can not do this!!! The FHFA-OIG report ( see page XXXX of this report in the second box ) clearly states that it is NOT a GSE loan. There are an Enormous amount of errors in the paperwork required to foreclose! in addition to that one situation and JP Morgan Chase Bank XXXX is still trying to force foreclosure down my throat even though the facts are on paper. Please see all attached. As well as the Assignment of Mortgage that JP Morgan Chase Bank XXXX put into the Registry of Deeds as far back as XXXX see attached. They claim ownership rights to foreclose this is also XXXX XXXX!! This will be an illegal foreclosure which I will sue JP Morgan Chase Bank XXXX for milliions for abuses and damages since XXXX. I am also presently looking into how to file a class action suit based on fraud and predatory lending. Also, Chase is trying to merge the two separate loans into one by not putting an account number on the second Equity line loan even though on the phone they told me they are not, the attached pg two of the letter show this. It was part of a mailing they sent me with over 1000 pages, I this past Friday spoke to XXXX XXXX of their exec office. I obviously can not scan into file here. There is no way for me to list all of the crimes I believe are being still commited by JP Morgan Chase Bank XXXX, from fraud, to collusion to conspiracy to abuses to me ongoing since XXXX. I am XXXX yrs old and legally XXXX with many stress related medical problems including previous XXXX, XXXX, previous near death XXXX and etc..Now at this moment away from my home, at the public library for the use of the internet, while my electricity at home has been out since this past storm Friday and will remain off until Tuesday, I am here in Terror! that when I return home that my locks may have been ripped out and replaced and my heating system altered as per the threat on my door back in XXXX also ( see attached ). I am and have been grossly abused by JP Morgan Chase Bank XXXX for years resulting in aggravated medical issues and many financial as well as social damages. I am demanding this BS stop!!! I will not be denied my rights because this financial phychopath that calls itself JP Morgan Chase Bank XXXX is a financial XXXX!! demanding of me money THEY OWE ME!! to take my home with the use of another ILLEGAL FORECLOSURE. I will also be sending to many news reporters my documents to expose the corruption going on here, in this attempt to take my home with abuse and fraud for profit. Lastly, XXXX XXXX needs to admit to the same, for whom JP Morgan Chase Bank XXXX XXXX is trying to foreclose on me, on their behalf!! | ||||||
| 02/16/2022 | Yes |
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Web | Older American |
| On XX/XX/XXXX I wrote a check to a contractor who was installing artificial grass at my home in the amount of {$800.00}. This was check number XXXX drawn on my Chase checking account ending in XXXX. The check was cashed and my account was debited for the {$800.00}. Fast forward to XXXX of XXXX. The same check was deposited again for a second time. Although the check had been altered on the face to change the date and check number, the micro encoding at the bottom of the check was not altered. Accordingly the computer processing the check read the check number as XXXX, ( again ), and paid the check for the {$800.00} for a second time. A copy of both the original and the altered check are attached to this complaint. I immediately went to Chase and told them what had happened. Since I had written several checks to this same contractor, we closed that account to prevent this from happening a second time. Meanwhile the same contractor did the same thing with a check I had written to him from my XXXX XXXX account in the amount of {$2000.00}. I also informed XXXX XXXX who returned the money to my account the next business day and we closed that account as well. When I met with the Chase banker XXXX XXXX, XXXX, he called in the complaint as I sat in front of him. He was told by the person on the phone that they had access to the account and could see what had transpired. Further they told him that he did not need to file any paperwork and that I should have my money back in my account in the next three to five business days. After a week the money had still not been put back into my account so I called to ask the status of the claim. XXXX followed up and called to tell me that the first person was wrong and that I would need to come in and sign a formal complaint which I did. I was then told that it could take up to 90 days to get the money put back into my account while Chase would try and get the money back from the other bank. XXXX assured me that I would have it back in my account by the end of the 90 days. I inquired why, if they were going to give it to me anyway, they would not just do it now like XXXX XXXX had done rather than make me wait. He didnt have an answer. After a month I inquired again ; XXXX followed up again and informed me that they had lost the claim and I needed to come in and file again which I did. I followed up and they had once again lost the claim so we filed the claim for the fourth time. This time XXXX followed up immediately to insure that they had indeed received the claim which they acknowledged they had. Ninety days later I still had not received the money. I called and spoke to XXXX XXXX at XXXX ext XXXX regarding complaint XXXX ; I was now being told that the check had been deposited into a XXXX XXXX account and if XXXX XXXX didnt give the money back to Chase, I would be out-of-luck and would not get my {$800.00} back. I argued that it was Chase that had paid the same check, XXXX, twice for the same amount and it was their computers/software that didnt even flag this as something to be looked at or rejected. I didnt understand why XXXX XXXX was the one that needed to do the right thing and return the money when it seemed to me that it was Chase that made the original error that had caused this problem. If not for Chase paying the check twice, we would not be relaying on the largesse of XXXX XXXX to give back the money. Chase then gave me a XXXX XXXX phone number and a complaint number. I was told I should call XXXX XXXX since there was nothing Chase could do. I called the XXXX XXXX XXXX XXXX XXXX at XXXX and inquired about XXXX ; I was told by XXXX XXXX that they do not talk to customers and that Chase should not have directed me to call them. They would only speak to Chase directly. That being said, they did tell me that it was actively being researched and they had received the claim on XX/XX/XXXX. ( I had brought this to Chases attention back in XXXX of XXXX ). I am upset that Chase caused this issue by paying a check twice. I understand that the check had been altered on the face, but Chase did not know that since the encoding and my statements showed Chase paying check XXXX twice for {$800.00}. Regardless {$800.00} is a rounding error to these XXXX banks and now they are pointing to each other and it looks like I am the one that will end up paying for their mistakes. This is at the very least poor customer service and at worst incompetence and nonchalant on their part. It doesnt seem fair to me. | ||||||
| 07/17/2020 | Yes |
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Web | Older American |
| Reference : Unauthorized charges to JP Morgan Chase account Dear Sirs, On XX/XX/XXXX, I received two messages from JP Morgan Chase Bank, before XXXX XXXX, with the same subject : Weve canceled your payment to XXXX XXXX. When I read the message in the morning, and since I did not do any XXXX transfer and I do not know any XXXX XXXX, I quickly checked my checking bank account I found that almost all my money disappeared and there were XXXX unauthorized XXXX transfers used by the person who broke into my account to take my money : XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$400.00} It seems like two more transactions ( XXXX and XXXX ) destined to XXXX XXXX were rejected by the bank because they thought were fraudulent. In order to start an investigation, the bank requested from me the following : - To fill out a Dispute Transaction Form - I filled it and sent it the same day - To speak with the Fraud Department on the phone - Even when I have to stay over 90 minutes waiting, I called them, spoke with them and they requested from me to change my password, which I did immediately. - To answer a set of questions the sent via Secured Message System - Which I answered the best I could the same day received. Couple of days later, they reversed the charges and everything seemed fine. But after on XX/XX/XXXX, with no advice, the access to the account got blocked, there was no way to login online or mobile to the account, so I called and they told me they needed to reset the security in the account and change the username and password, which I did with the help of my daughter and son in law. After that, again everything looked normal. On XX/XX/XXXX, once again, with no notice or explanation, the three unauthorized charges we re-applied to my account. I have requested in many correspondences for an explanation and to re-open the investigation and the answer I receive in every occasion is : Dear Retail Claims Customer, We have received your request and reviewed your claim. Your claim is : Claim # : XXXX Claim Status : Closed If you have any further questions please don't hesitate to reach out to us. Thank you for choosing Chase. Sincerely, The Retail Claims Team I tried many times to explain to the bank that these operations where unauthorized/illegals and they just do not care. I even collected arguments to help them in the investigation but they just decided to ignore it. Please, find below the argument : 1- On XX/XX/XXXX, same day of the unauthorized claimed transactions, the bank rejected two other XXXX transaction, each one for US {$700.00} to XXXX XXXX and sent me security emails about it. 2- In the account log, I found unauthorized access to my account in very unusual hours : - XXXX XXXX XXXX ( chase.com ) XX/XX/2020 at XXXX XXXX ET - XXXX XXXX XXXX ( chase.com ) XX/XX/2020 at XXXX XXXX ET - XXXX XXXX XXXX ( chase.com ) XX/XX/2020 at XXXX XXXX ET - Browser ( chase.com ) XX/XX/2020 at XXXX XXXX ET - XXXX XXXX XXXX ( chase.com ) XX/XX/2020 at XXXX XXXX ET 3- I found that the person who illegally accessed my account made important changes in my personal details : Primary phone was changed to XXXX, so the alerts wouldnt reach me. I did not receive any text, email or any kind of communication from the bank letting me know that the phone was changed, which I consider a huge security hole. 4- There should be red flags about the XXXX recipients, maybe each one is not relevant by itself, but all together should've alerted the bank of the fraud : - The recipients were created for the XXXX transfers, they did not exist before. - Most probably were created in the hours reported above as unauthorized. - I never did any kind of transactions with these persons - There were duplicated transactions to the recipients - The criminal who was using my account tried to make another transfer, rejected by the bank - I am pretty sure that recipients are involved in illegal activities, these recipients are JP Morgan Chase clients, so I am positive they have complaints like mines against these persons 5- I have been client of the bank for many the years, I never had any dispute or doubtful claim. I think that should be an important argument in the bank investigation. I am kindly requesting you to help me solve this issue. I am being victim of the arbitrary actions of Chase and I wont stay quite being patronized as the underdog, I may be an old person, but I will fight for my money. Thanks for your time and help, | ||||||
| 01/03/2019 | Yes |
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Web | Older American |
| These particular facts and circumstances are detailed and involved. I try to summarize below the key facts and circumstances, and I will be happy to provide additional information. In particular, I would be happy to provide all or some of the written communications that I have provided to Chase representatives regarding these matters. In a XXXX written Durable Power of Attorney ( " POA '' ), my cousin XXXX XXXX XXXX, now aged XXXX, named me and another cousin as his duly authorized power of attorney agents. Mr. XXXX is experiencing severe physical and mental problems. Among other things, Mr. XXXX is XXXX has XXXX XXXX, has had XXXX XXXX XXXX, and has been treated ( inside and outside of XXXX XXXX XXXX ) for various XXXX XXXX issues. Since XX/XX/XXXX, my cousins and I have been trying diligently to assist Mr. XXXX with his physical, mental, living and financial circumstances. Mr. XXXX had been living in a single family residence in XXXX, XXXX that he purchased via a mortgage from Chase. I understand ( but I have not been able to confirm ) that the mortgage is a federally insured " rural housing loan ''. The home property address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The Chase account/mortgage loan number is XXXX. After his wife died, Mr. XXXX lived alone in the home. Based on alarming information that we received from a fellow church member of Mr. XXXX 's in XXXX, my cousins and I became concerned that Mr. XXXX may be unable, physically and/or mentally and/or financially, to live alone. We also became worried that Mr. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, one of my cousins and I travelled to XXXX to visit Mr. XXXX. For a variety of reasons, we concluded that a " family intervention '' was required. The home was in an appalling condition. With his consent, the family moved Mr. XXXX to XXXX ( where key members of Mr. XXXX 's XXXX and XXXX families live ). Mr. XXXX has been confined as a resident in a XXXX XXXX in XXXX, XXXX He has received in XXXX XXXX XXXX XXXX XXXX XXXX. At present, Mr. XXXX is not able to live alone and/or manage his own affairs. This complaint relates to how Chase has handled Mr. XXXX 's home mortgage. For many months, Mr. XXXX had not made timely payments on his mortgage. Mr. XXXX, whose regular income only is a modest monthly payment from social security, has very limited financial resources. Beginning in XX/XX/XXXX ( when my cousin and I traveled to XXXX, XXXX to investigate Mr. XXXX 's circumstances ), I have engaged in regular oral and written communications with various Chase representatives. I provided to Chase, and Chase accepted, Mr. XXXX 's Durable Power of Attorney. Chase approved me to communicate with Chase personnel regarding these matters. I have explained in detail to Chase representatives Mr. XXXX 's particular facts and circumstances. My overarching efforts have been to resolve Mr. XXXX 's mortgage situation short of/without the need for foreclosure proceedings -- and short of/without the need for the time, efforts and expenses that are attendant to such proceedings. I have asked Chase representatives specifically and repeatedly, in writing and orally, to authorize a short sale or a deed in lieu of foreclosure. With Chase 's prior consent, the property currently is listed for sale by a local realtor. I learned today that Chase has initiated foreclosure proceedings and plans to sell the home at auction on or about XX/XX/XXXX. With due respect, I believe that Chase has acted callously, improperly, unfairly and unreasonably regarding my cousin Mr. XXXX and this property. Chase has failed to evaluate Mr. XXXX 's unique situation carefully and/or individually. Chase has bounced me around from department to department, from person to person. Chase continues to send Mr. XXXX form letters that do not account for his particular circumstances and my months of communications with Chase representatives. My request on behalf of Mr. XXXX is simple, straightforward and very easy to implement : permit the current efforts by the realtor to sell the property via a short sale, and if that is unsuccessful dispose of the property via a deed in lieu of foreclosure. Mr. XXXX should not be charged or assessed any additional costs, fees or expenses, whether associated with foreclosure proceedings or otherwise. I have proactively been trying since XX/XX/XXXX to resolve this situation in ways that are fair and reasonable to both Chase and MrXXXX XXXX. HELP PLEASE!!!! | ||||||
| 05/31/2021 | Yes |
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| Upon reviewing my email inbox the morning of XX/XX/XXXX ( Sunday ), an email was received on Saturday XX/XX/XXXX XXXX PT from XXXX ( a travel booking website ) entitled " Your Stay in XXXX on XX/XX/XXXX is Confirmed ''. The booking was for XXXX XXXX XXXX ( Georgia ) Airport, checking in on XX/XX/XXXX and checking out on XX/XX/XXXX. I was in California at the time with no plans of travel to Georgia. I DO NOT use XXXX for booking travel activity. I immediately checked my Chase Bank ( JP Morgan Chase & Co. ) credit card activity via Chase.com 's customer login portal. There were two pending authorizations - one from XXXX and another from XXXX ( another travel website ) - neither of which were my charges. I made several phone calls that morning in response : - first to Chase customer service XXXX to report the pending fraud. Chase cancelled my card and immediately issued me a replacement and marked the transactions as fraudulent - XXXX customer service XXXX to report the issue, and found out several key pieces of information ( 2 rooms were booked, a XXXX XXXX checked in at the hotel and was still there, the booking was completed using a mobile app, XXXX received the reservation through XXXX ). The XXXX agent also provided a XXXX fraud number XXXX ( no clear outgoing greeting to indicate who the number belonged to ) on which I left a voicemail but never heard anything back. I use a flip phone, and thus have never used a mobile app for anything. The reservation 'confirmation ' required my presence at time of check in XXXX , but somehow the perpetrators were allowed to proceed with the stay even though I was in California as noted earlier. The XXXX agent would not provide me with the phone number used as part of the reservation for 'privacy concerns ' - the XXXX XXXX apparently called that particular number to confirm XXXX XXXX was authorized but indicated there was no answer and still allowed the stay. - XXXX Georgia PD who referred me to XXXX XXXX XXXX PD XXXX who then advised I contact my local PD to file a police report - XXXX ( CA ) PD and filed a police report - XXXX XXXX XXXX XXXX to report the fraud in progress Two months later, Chase applied a charge {$650.00} ( on about XX/XX/XXXX ) with a back date of XX/XX/XXXX, from XXXX Sales to my card balance without any notification to me. I noticed the charge during tax preparation/reconciliation in early XX/XX/XXXX and contacted Chase to find out what happened. Chase fraud inexplicably determined the charge was mine and re-applied it to my card balance indicating further they sent a letter to me to explain the resolution. No such letter was ever sent to me, and no letter is available on the Chase.com portal. I disputed the charge again. Chase sent a letter on XX/XX/XXXX indicating the charge belonged to me. I disputed the charge again, and got another letter XX/XX/XXXX indicating the same reason. I escalated the issue to Chase Executive Offices in XXXX - a person named XXXX XXXX XXXX ' ) indicated she was assigned and would investigate further. In XXXX, XXXX advised me that the charge was still determined to be mine because the merchant had 'compelling ' information about me, specifically my email address and card billing address, and the case was now considered closed. I find it incredulous that their investigations determined the charge was still my responsibility, even though the charge was made by a mobile app which I do not use, on a device I do not use or own. The device used would certainly have identifying markers ( i.e. device ID, telephone number, etc. ) that clearly do not belong to me. Also, the 'compelling information ' they claim the merchant had about me could easily have been obtained through several corporate data breaches in which my information was present ( i.e. XXXX XXXX XXXX, etc. ), as well as simple searches through publicly available online sources - hardly compelling. I have been a Chase client for over 20 years, paying off my full credit card charge balances every month except perhaps 2 during that entire span. Chase is basically calling me a liar and a fraud over a {$650.00} charge that I did not make which does not make any sense. I am willing to sign a legal document, such as an affidavit, swearing under penalty of perjury that the above claim is true. I am also willing to provide letters, statement copies, or other documents as needed ( I did not upload here due as the documents include personally identifying information about me ). Thank you. | ||||||
| 04/17/2021 | Yes |
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| Chase bank is the account holder for XXXX XXXX that used to be my loan service provider. Because of the action of Chase Bank my loan service provider XXXX XXXX ( which is in Fact XXXX XXXX XXXX division ) failed to close my loan and because of that my credit score, my health and my livelihood got ruined. Short timeline : XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX financed through XXXX XXXX ( XXXX XXXX Consumer Loans ). I refinanced said loan through XXXX XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX Check was mishandled by Chase Bank that handles the deposit account for XXXX XXXX ( XXXX XXXX Consumer Loans ). One month goes by and Chase bank clears the check without crediting it to XXXX XXXX ( XXXX XXXX ). XX/XX/XXXX Chase Bank charges XXXX XXXX XXXX the full amount of the check without depositing it to XXXX XXXX. Thus Chase Bank is potentially guilty of embezzlement of funds in excess of {$56000.00}, negligent handling of checks and financial fraud in excess of {$56000.00}. XXXX XXXX XXXX, victim of financial fraud perpetrated by Chase Bank is trying to resolve the matter with XXXX XXXX ( XXXX XXXX for XXXX XXXX consumer division ) with the help of XXXX XXXX XXXX XXXX XXXX XXXX did not receive the funds from Chase Bank and is stalling to the best of their ability until they asked for XXXX XXXX XXXX to reverse the transaction and send another check. On or around XX/XX/XXXX XXXX XXXX XXXX is asking for a refund on check # XXXX sent to XXXX XXXX ( XXXX XXXX XXXX for XXXX XXXX ) for the amount of {$56000.00} ( attached ). They get a letter from Chase stating that funds are on the way. XX/XX/XXXX As instructed by XXXX XXXX ( DBA XXXX XXXX XXXX XXXX XXXX XXXX makes a stop payment on Check # XXXX and issues check # XXXX and sends it to XXXX XXXX to pay off my loan # XXXX. On XX/XX/XXXX XXXX XXXX deposits the check and closes my loan. At this point Chase bank still has the funds for check # XXXX and would not release it to XXXX XXXX XXXX ( supposedly committing financial fraud ). On or about XX/XX/XXXX XXXX XXXX ( DBA for XXXX XXXX ) closes loan # XXXX, removes themselves from the lien of the vehicle, reconciles the loan and disburses XXXX XXXX {$1400.00} in funds owed above the amount received. At this point the loan is closed and done with. On XX/XX/XXXX Achieva not receiving the funds from Chase after more than 2 months marked check # XXXX for amount {$56000.00} as a duplicate, since Chase is holding at this time funds from both checks # XXXX and # XXXX. On or about XX/XX/XXXX Chase bank that is the main servicer for XXXX XXXX checking account for loan deposits tells XXXX XXXX that the check # XXXX from XXXX XXXX XXXX is bounced, which is financial fraud, since Chase bank now holds funds for both checks. XXXX XXXX reopens the loan # XXXX on false pretenses and assumptions provided by Chase Bank and tries to commit extorsion and blackmail, financial fraud in excess of {$56000.00} towards XXXX XXXX. To sum it up. 1. Chase Bank is now in possession of funds that belong to XXXX XXXX XXXX and XXXX XXXX ( which is really XXXX XXXX ). 2. XXXX XXXX did not get credited with the funds and is trying to extort XXXX XXXX for the full amount of the loan and initialed repossession proceedings even though they have full knowledge that XXXX XXXX is not at fault and that the fault lies with their banking provider who is Chase Bank. A quick internet search yields results in the hundreds of similar incidents, which is basically a class action waiting to happen. 3. XXXX XXXX XXXX sent 2 checks to XXXX XXXX that are now with Chase bank and can not recover their funds. XXXX XXXX XXXX is a small financial institution that does not have a legal department and can not do anything against such behemoths as Chase Bank and XXXX XXXX ( XXXX XXXX with multiple lawsuits for money laundering etc.etc. ) 4. XXXX XXXX, an individual, spent hundreds of hours to research the issue, spent over 40 hrs on the phone with XXXX XXXX and XXXX XXXX XXXX is reported to the credit bureaus for default on an autoloan that he is dillegently paying to XXXX XXXX XXXX that is the main lienor for the vehicle. XXXX XXXX livelihood was majorly impacted by the described events, his mental and physical health deteriorated due to constant harassments from XXXX XXXX, he lost his opportunity to seek plumbing and 4-10 FL title insurance licensure due to the fact that his credit score dropped over 150 points and he lost access to the credit due to his credit score deteriorating. | ||||||
| 01/08/2019 | Yes |
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| I am a U.S. citizen who is living XXXX in XXXX under a SOFA agreement, as I am a XXXX with the U.S. military. I am having issues with my credit card company, Chase, on a dispute I submitted. On XX/XX/2018, I submitted an order to a XXXX dealership ( XXXX XXXX XXXX XXXX, a third party XXXX dealership ) that specializes in selling XXXX to U.S. military members or those under the SOFA agreement. I put a {$5000.00} " deposit '' for the order using my Chase XXXX XXXX credit card. I signed an " Order Quotation '' as well as a " General Consent '' document in regards to this, and I intended the {$5000.00} to be used when the auto loan would be dispursed after the card was made. However, a couple weeks after this I learned that this particular dealership had mishandled my vehicle order by not having my {$5000.00} go through the V.A.T. ( value added tax ) free program that is in place between the XXXX and U.S. government. Due to this, if I were to receive the order, XXXX customs could seize the vehicle until I paid 19 % taxes on the vehicle. The " Order Quotation '' I signed did not include this tax amount, and so the " General Consent '' that was signed should be broken because the agreed upon price would now be changed. In addition, the agreed upon delivery date was going to be missed by more than 6 weeks ( another stipulation of the " General Consent '' that could cause the order to be cancelled ). Finally, I never signed a " Bill of Sale '' for the vehicle so I am not legally beholden to the order or the vehicle. All of these issues and more caused me to cancel the vehicle order on XX/XX/2018. The dealership refused to acknowledge my proof of wrongdoing on their part, and proceeded to threaten me by insisting they would keep my {$5000.00}, attempt to pursue me for 15 % of the vehicle 's value in fees, and send me to collections. The dealership was standoffish and refused to provide me with any proof of my wrong doing or any counter proof with what I had presented to them. I contacted the U.S. VAT Free program head here in XXXX who agrees that the dealership mishandled the order ; I also contacted XXXX HQ who further concurred that the dealership misled me and should return the money. However, since they are a third party dealership, they could not force them to do so. I have hired a XXXX lawyer to handle this case and the dealerships lawyers have ignored all legal communications and so I am taking them to small claims court over this. The reason for my complaint is due to my credit cards handling of the dispute on the {$5000.00}. I contacted my credit card company, Chase, to initiate a dispute on the charge. I submitted all of my proof ( e-mail chains, documents signed, policy letters, etc. ) to them. Initially, Chase provided me with a $ XXXX credit in approximately XX/XX/2018. They stipulated that this was dependent on two billing cycles for the merchant to refute the dispute. The dealership waited the two months before countering, which caused Chase to place the charges back on my credit card statement. Chase not once notified me of their decision or consulted with me on the issue. I called into chase multiple times over multiple hours trying to find out why the charge had been placed back on my statement. Chases ' response shocked me. They stated that because the merchant had produced a policy, they would always adhere to the merchants policy and would not take into account the documentation and proof of how the policy was broken. This meant that even though the dealership had mistreated the order and broken several rules, Chase would not investigate the issue further. They thus saddled me with the {$5000.00} charge again without consulting me first, they did not provide me any documentation in regards to my proof of wrong doing, and they did not provide me with any documentation that the merchant might havep rovided them. In addition, they mistakenly placed a {$4900.00} charge in addition to the {$5000.00} on my statement which caused me to have to call in for over 5 hours until they figured out that the {$4900.00} was erroneous on their part and corrected it. As such, I am required to take this issue to court in order to get a resolution. I understand this necessity, however I would like to file a complaint about Chases ' handling of the issue. They are not on the consumer 's side it seems and are not using evidence of wrongdoing to provide protection from merchant 's malpractice. Thank you for your time. | ||||||
| 03/05/2018 | Yes |
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| My husband and I have been disputing several charges with Chase Bank. I have sent a letter to them which I will include here. I will be brief here as the letter is quite detailed. On XX/XX/XXXX, I, XXXX, bought five round trip tickets to the XXXX, but immediately saw an error in the return dates, which I hadn't caused. This was due to what appears to have been a glitch in the travel website ( XXXX ), although it would be hard to prove that - though we saw the problem reoccur again later also! Trying to rectify the mistake, caused by a computer glitch, by cancelling or changing the dates, with this company, resulted potentially in very expensive cancelation and change date fees, that were effective immediately, even within minutes of trying to do so. So, immediately after the transaction, I decided to firstly contact Chase Bank, to tell them what had just happened. The credit card department representative I spoke with, told me several things which I was later told were untrue, and caused me to be considered liable for the charges when I may have otherwise been able to resolve the issue in other ways. She asked me if someone else had used my card. I said " No '' and briefly explained what had happened. She then said she would cancel my card and reissue another card, with a new account number. She also said that my card could NOT BE CHARGED. This, I later have been informed is not how credit card charges work. But at the time it seemed clear to me that I needed to take no further actions. I actually asked that exact question, if I needed to take further actions and she said " No '', that there was nothing more I needed to do from my end. She also did not explain the process at all, and there was no mention of the fact ( I later found out ), that there are different catagories, depending on the credit card issue, such as a dispute versus a fraud issue. I was NOT informed of anything, she catagorized the issue, decided the steps to take, and I followed her professional leading. Perhaps, If I had contacted the travel site first, instead of Chase, they may have made an exception to their rule, since I had not intended to purchase tickets with those dates, and only did because of what appears to have been a glitch on their website. But I had called Chase firstly, and followed the representatives advice, and was told that NO other action was necessary. I expect to be able to trust that the bank representative is informed on credit card, and bank policy, so if they give me certain directions or assurances, I expect them to be correct. Two entire months passed, with no communication from the bank, and suddenly the charges, which I had been assured were dealt with, reappeared on my credit card, two full months after being removed. I had absolutely NOT been informed that in actual fact, this matter was NOT resolved in the first place, and without my knowledge, an investigation was underway by Chase credit card services?! XX/XX/XXXX, was the first I heard about an investigation, and a recharge, so over 8 weeks later. By this stage, myself and the family had returned from our XXXX trip, on correct tickets. If I had realized that the bank representative wasn't correct, I would have called the travel website to request that they make an exception to their rule, and done everything in my power, to resolve the problem myself. I was however REASSURED by the Chase representative I spoke to, that my card could no longer be charged, and that there was nothing more to do at my end. Furthermore, I was not informed that the issue wasn't resolved until after the outbound flight occurred, which I believed did not exist, with non payment, due to card cancellation back on XX/XX/XXXX, minutes after the error had occurred. I had no idea these tickets were still in existence - so I didn't even have a chance to contact the airline and cancel with them in time. After speaking now to XXXX XXXX, and explaining the situation, representative I spoke to said she believed that Chase had caused this issue, with mis-information. She stated that a bank representative calling a charge fraudulent which I stated is not fraudulent, was pretty careless. Chase not only catagorized our dispute wrongly, but also did not inform me that there was an upcoming dispute, and that infact, the issue wasn't resolved yet, and they also failed to communicate for an entire two months, so I had absolutely no idea anything was unresolved, and mistakes had been made, until XX/XX/XXXX. | ||||||
| 10/25/2021 | Yes |
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| XX/XX/XXXX - My general contractor discovers that his email had been hacked and our latest payment for a home remodel was sent to a fraudulent bank account ( at XXXX XXXX ). I file a wire transfer fraud claim via secure message, as directed by Chase 's phone customer service. XX/XX/XXXX - I receive a secure message from Chase stating, " We have attempted to contact XXXX on several occasions, but have not received a response. At this time, we can not take any further action on this inquiry and suggest that you contact them directly in order to resolve the matter. '' -- Please note, the XXXX is XXXX XXXX. I find it implausible that Chase is completely unable to contact XXXX XXXX... At some point I did try calling XXXX XXXX directly, as suggested by Chase, but XXXX XXXX was quite firm that all communications with them needed to go through Chase via the XXXX messaging system to have any effect. XX/XX/XXXX - I receive notification from my general contractor that another of their clients who fell prey to the same wire transfer scam, was able to get a refund from XXXX XXXX via their own bank ( XXXX XXXX XXXX XXXX ). Thus I go to my local Chase branch to continue pursuing the wire transfer claim. The banker makes some calls on my behalf but is unable to get any actionable information. XX/XX/XXXX - Out of the blue I receive a secure message from Chase saying : " URGENT PLS BE ADVISED WE CAN'T COMPLY WITH YR REQUEST UNTIL WE RECEIVE AN INDEMNITY/HOLD HARMLESS FROM YOURSELVES FOR REMAINING FUNDS BY XXXX. PLEASE SEND A HOLD HARMLESS INDEMNITY LETTER TO XXXX ( AT ) WELLSFARGO.COM FAX XXXX NOTIFY US IF YOU NO LONGER WISH TO RECALL FUNDS AND CLOSE YOUR CASE. UNTIL THEN, WE CLOSE OUR FILE AS NOTED IN FIELD 20 ABOVE. REGARDS, WIRE INVESTIGATIONS PLS PROVIDE ADDITIONAL DETAILS TO ATTN [ redacted case # ] '' I send some paperwork to the XXXX XXXX email address, as apparently instructed by this message, which is not accompanied by any additional instructions from Chase. As the XX/XX/XXXX deadline approaches, I haven't heard anything from either XXXX XXXX or Chase, so I call XXXX XXXX directly using the XXXX claims number in the message. XXXX XXXX tells me that all communications regarding the wire recall process must go through Chase, and that Chase is the one who needs to send the hold harmless indemnity letter to them ; I can not do it directly. XX/XX/XXXX - I spend several hours on the phone with Chase, then rush to a local branch office that afternoon. The banker again calls Chase customer service on my behalf, but all they manage to do is have Wire Investigations " begin '' the process of producing a hold harmless indemnity letter, which Chase claims will take 45-90 days from XX/XX/XXXX. I see a few incongruities here : 1 ) Chase should have been producing a hold harmless indemnity letter as soon as they received the communication from XXXX XXXX on XX/XX/XXXX. But their own records state that they never started working on my case until XX/XX/XXXX when I pressed them to follow up. What were they doing between XX/XX/XXXX and XX/XX/XXXX, or even -- in the most generous interpretation -- between XX/XX/XXXX and XXXX? 2 ) Has Chase communicated the 90-day timeline delay to XXXX XXXX who originally requested a 2-week turnaround? I have asked this question to multiple customer service representatives and they are unable to confirm that this simple communication has been executed. Thus I'm left concerned that XXXX XXXX will close the case on their side due to inactivity ( directly caused by Chase dragging their feet ). 3 ) It is apparently impossible to speak on the phone with the Wire Investigations team at Chase. They do not accept phone calls transferred from general customer service representatives. Their secure messages are opaque and lacking important contextual information ( e.g. forwarding me a XXXX message from XXXX XXXX which they, not I, are supposed to act on ). Their secure messages include a phone number to call but that phone number auto-hangs up with a redirect back to secure messages ; or else they direct me to my local branch, who can not do anything other than call the same generic customer service number on my behalf and is confused about why I have been directed to the branch. I have now waited 88 days from the original date of filing a fraud claim, and I'm being instructed to wait an additional 80 days without any assurance that the receiving bank has been made aware of the processing delay that Chase requires. | ||||||
| 08/15/2023 | Yes |
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| My filing of this complaint pertains to my right to file a dispute which is accepted and investigated by Chase Amazon XXXX. Narrative of Issue... After becoming aware of a fraudulent additional charge on my Chase Amazon XXXX card for a rental from XXXX XXXX XXXX XXXX I tried to dispute {$310.00} of the {$950.00} charge on the Chase website. I was prohibited from using the automated dispute filing option and instructed to contact Chase Dispute department at XXXX which I did on XX/XX/XXXX. I informed the Chase Representative that there were fraudulent Optional charges for Personal Accident Insurance and Personal Effects Protection costing EUR XXXX or {$340.00} ( See below summary of events ). I was not disputing the remaining {$610.00} of the transaction. The Chase Representative informed me that I would not be able to dispute the charge " without documentation of the previous charge ''. Not understanding what that meant I was told if I didn't have the original Rental Agreement from XXXX XXXX, for the rental on pickup date XX/XX/XXXX, Chase would not accept the dispute. I advised the representative that I asked the XXXX XXXX Representative for a receipt and was told that company policy was to issue all rental agreements via Email. I never received the rental agreement and my attempts to secure one while in XXXX were unsuccessful as I did not have a confirmation number for the rental ( which would have been listed on the rental agreement if I had received one via Email ). I wasn't able to secure a Rental Agreement receipt from XXXX until XX/XX/XXXX when I returned to XXXX. In effect I was fraudulent, charged unauthorized and declined XXXX XXXX from XXXX and was not provided the original Rental Agreement, of which I'm still trying to secure from XXXX. The Rental Agreement will show I did not sign or agree to the additional " Optional Protective Services '' charged to my Visa account ( XXXX XXXX Agreement XXXX ). The case number for my XX/XX/XXXX contact with Chase is XXXX XXXX My filing of this complaint pertains to my right to file a dispute which is accepted and investigated by Chase Amazon XXXX. The following narrative was communicated to Chase and also submitted to XXXX XXXX. Rental Agreement Number is XXXX On XX/XX/XXXX I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX Service Area The dates of the rental were XXXX. The Rental Agreement Number is XXXX. During the booking process XXXX XXXX Customer Service Representative XXXX XXXX advised me that he was directed, by his immediate supervisor, to make me aware of the XXXX XXXX XXXX XXXX XXXX offers customers. I immediately advised XXXX I was not interested in any XXXX XXXX pertaining to the rental vehicle. XXXX completed the transaction and advised me that a copy of the agreement would be forwarded to me via Email. I was not asked to sign the rental agreement and at the conclusion of the rental process I left with the vehicle ( Red XXXX XXXX XXXX XXXX ). Over the course of the next 24 days I did not receive a copy of the rental agreement from the XXXX location. On XX/XX/XXXX after arriving home from XXXX I became aware of a charge to my XXXX account from XXXX XXXX {$950.00}. That amount was more than I expected to pay for the rental. I contacted XXXX XXXX Customer Service at XXXX ( International Rental prompt XXXX ) and was advised that the rental agreement indicated XXXX XXXX charges of XXXX XXXX. Bringing the total transaction to XXXX XXXX instead of XXXX XXXX. Customer Service Representative XXXX XXXX fraudulently added XXXX XXXX I specifically indicated I did not want or need. XXXX also did not provide me with a copy of the agreement at the time of the rentall. I have rented many vehicles from XXXX XXXX throughout the years and have never purchased XXXX XXXX. In fact leading up to the trip to XXXX I booked XXXX XXXX XXXX rentals for the XXXX time period canceling reservations as better prices became available and none of the previous XXXX reservations had XXXX XXXX. The confirmation numbers for the XXXX canceled reservations are as follows and available for XXXX XXXX to review. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the aforementioned reservations booked XXXX XXXX. XXXX XXXX and his XXXX, who conversed in XXXX throughout the booking process, fraudulently and with intent added additional unauthorized charges to my rental. I believe this was done to profit off of upgrading the car rental. | ||||||
| 04/20/2018 | Yes |
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| I was a victim of natural disaster Hurricane Irma ( XX/XX/XXXX ). I reached-out to CHASE ( servicer ) for my loan, to advise I had had been without work, spent money on food, shelter and my home had encountered property damages. CHASE advised that my Investor XXXX XXXX had approved a Forbearance and I received letter confirmation on XX/XX/XXXX. My Forbearance had been approved trough XX/XX/XXXX CHASE advised I would receive documentation in reference to my forbearance and the delinquent payment would be moved to the end of the loan ( which lengthens the term of the loan ) and escrow deficiency would be spread out in a 5 year term, before XX/XX/XXXX. I called CHASE every week, to request when my documents would be sent. I spoke to my assigned Relationship Manager XXXX XXXX ( XXXX ) and later case was assigned to Relationship Manager XXXX XXXX ( XXXX ). CHASE representative advised that they didn't see that my documents had been sent, but that I should receive them prior to XX/XX/XXXX. That the forbearance term was over by XX/XX/XXXX, and I would have to make payment prior to this date. XX/XX/XXXX, I was advised by Relationship Manager XXXX XXXX, that I was not eligible for a deferment because of a prior Modification and my interest rate was adjustable. I explained that I had spoken to XXXX XXXX and they had not offered deferment to Borrowers and that CHASE had misinformed me of what was actually being offered by my Investor. The Relationship Manager XXXX XXXX advised that she would be submitting my loan for a FLEX Modification to underwriting ( which required no documentation from the borrower ). XX/XX/XXXX I reached out to XXXX XXXX and spoke to a representative, whom scheduled a call back. I received a call from representative, XXXX ( XXXX Ext XXXX ) of XXXX XXXX whom advised that XXXX XXXX was only providing Forbearance to the borrowers and that the Servicer would have to provide Retention Options, if re-payment was not done by the Forbearance expiration date. I advised that CHASE representatives had provided false information to me and I was now in serious default and not able to make re-payment of amount owed. XX/XX/XXXX I received letter from CHASE that my Forbearance had been extended through XX/XX/XXXX. XX/XX/XXXX, I called CHASE and spoke to representative XXXX, whom advised me that FLEX Modification request had been submitted to Underwriting XX/XX/XXXX three weeks after I was advised it would be submitted to Underwriting. XX/XX/XXXX, I received a call from CHASE Escalation Dept.- Executive Office XXXX XXXX ( XXXX Ext XXXX ), which advised that XXXX XXXX had reached out to them and an escalation had been opened ( reference number XXXX ). She advised she would reach out to my CHASE, Relationship Manager XXXX XXXX and call me back.XX/XX/XXXX, called CHASE and spoke to representative, XXXX XXXX and she advised my FLEX Modification had been approved and that I should receive Trial Payment Letter. XX/XX/XXXX, I called CHASE and spoke to representative, XXXX XXXX whom advised that she would send e-mail to underwriting dept. to follow-up on Trial Payment Letter being sent. XX/XX/XXXX, received a call from CHASE representative XXXX XXXX, again that my Flex Modification had been approved and sent via XXXX onXX/XX/XXXX. I advised I had not received anything. She proceeded to read notes in the system and advised that Final QA had returned the FLEX Modification back to Underwriting for doubtful further review. She could not advise of specifics and advised she would send e-mail to appropriate department and call me back. XX/XX/XXXX I called Escalation Dept. CHASE-Executive Office XXXX XXXX ( XXXX Ext XXXX ), which advised that Flex Modification was approved but there had been a glitch in their system and letter had not been mailed. She advised she send e-mail to appropriate department and call me back. XXXXXX/XX/XXXX, I received a call from CHASE representative XXXX XXXX, whom advised that she had no response from underwriting as to the status of my FLEX Modification. CHASE representatives have provided false information as to what was actually being offered by my Investor, XXXX XXXX and have failed to properly communicate in a timely manner. CHASE representatives have communicated with false retention approval and their response is unacceptable. Time is of the essence and CHASE inability to communicate efficiently, provide false retention assistance, may put my loan to potentially be referred for Foreclosure. | ||||||
| 09/21/2020 | Yes |
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| On XX/XX/XXXX, I received an email from Chase, where I have a credit card, that was asking if I recognized a charge of {$170.00} at XXXX XXXX that was declined. I responded by selecting 'No ' in the email and checked my online banking app for other activity that was potentially fraudulent. There were four other transactions from that same day that I did not recognize and believed were fraudulent. ( My partner is an authorized user on the account with a card, and she did not recognize the transactions either ). I contacted Chase by phone and notified them that I had both cards in my possession and that I did not recognize the charges, believing them to be fraudulent. Within a day or two, the charges were subsequently removed from the list of recent transactions appearing in the mobile banking app. The four charges, totaling {$400.00}, included : {$100.00} - XXXX # XXXX {$110.00} - XXXX # XXXX {$170.00} - XXXX XXXX {$11.00} - XXXX XXXX XXXX On XX/XX/XXXX, I missed a call from Chase, who then called my parents ( whose phone number may have been previously listed as an additional contact # ). I called Chase back and was told that the charges would be rebilled to my account. The only explanation given was that their system said the card chip was used for the charges, and that it is impossible to counterfeit the chip in their card. I repeated the fact that neither I, nor my authorized user, made those purchases, and that I did not agree with their decision to rebill them to my account. Given the limited explanation for rebilling I asked to speak with someone who was familiar with the decision, or who was involved in making the determination to rebill. I was told I would receive a call back after the holiday weekend, but that the transactions would post to my account that day. After not receiving any further communication from Chase, I schedule a call with a banker at my local branch on XX/XX/XXXX and explained the situation to her. She was very sympathetic, understanding, and professional, but after she transferred me to the fraud prevention team I received the same response. That because it is impossible for Chase 's chip to be compromised, I was responsible for the charges. I asked if there was any additional detail regarding the charges or merchants that could help me understand what had been purchased, or where exactly. The fraud recovery analyst ( XXXX ) told me that there was no additional information he was able to see regarding the transactions, but that I could escalate the case for a second review of the charges. I was surprised that a secondary review had not already been initiated given my initial disagreement with the rebilling, but responded that I wanted the case to be escalated. I also asked him how the XXXX XXXX charge of XXXX ( that had been declined ) was coded, and he said the chip was present. I am still looking for an explanation of how that charge ( that was attempted with the chip present ) could be considered fraudulent and declined, but that other charges made with the chip that I am disputing are standing because " it is impossible to clone or compromise the chip ''. I have still not heard from Chase 's fraud recovery team as of XX/XX/XXXX. The banker at my local branch in XXXX 's XXXX XXXX XXXX XXXX ) submitted a customer complaint on my behalf given my frustrating experience dealing with these fraudulent charges being rebilled, and I have since received a call and voicemail from Chase 's branch complaints team regarding my experience. While I intend to call them back and discuss my poor customer experience with the fraud team, I feel it is important to bring to the CFPB 's attention the way Chase handles disputed/fraudulent charges. I have been been a cardholder with Chase for at least five years, and have never given them any reason to doubt my assertion that these charges are fraudulent. Because the transaction codes show the chip as present at the transaction, and they believe that the chip can not be compromised, they do not consider fraud as possibility and as such, have not performed a good-faith review of the charges following notification from a customer that they are suspected as fraud. Relying on that chip, and the validity of the transaction codes, should not release them from duty of care to their customers to actually review a charge reported as fraud. When I asked about one of the vendors ( XXXX XXXX XXXX I was told no information was available on them. Thank you for your review. | ||||||
| 07/03/2023 | Yes |
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| On XX/XX/XXXX there was a fraud charge on my debit card in California. I discovered it in the next morning at work when I needed to transfer money to my second checking account. My account was negative and immediately looked to see how. Chase had a problem that day with XXXX and doubled my rent payment to my landlord, then I saw a charge for XXXX to after looking up the merchant ID belonged to an electric company in California. I called the fraud line and reported both issues, the XXXX charge was opened for investigation and then after being transferred to the XXXX issue department was told that it was an error and was affecting multiple people and it would be resolved. I ended having both issues resolved over the next 1-2 days or so I thought. About a couple of weeks later I again open my chase app to see money has been pulled. I look and it is a fee reversal for XXXX. Chase had reversed the money back so I quickly called to find out what had happened. The rep had told me that the chip was used with my pin and therefore I made the charge. I told them that it was impossible as I live in Nevada and have no places in California nor have I ever paid this electric company before. She then says I am sorry you can not accept this. Accept this? You are telling me someone stole my money but because it looks as though I somehow did it oh well? I proceed to get off the phone with her and call this electric company. I explain to them the situation and try to get information on who used it. They said I do not have an account with them and therefore can not be given any information. I asked if there is anything they could do or provide and they said no and to report it to the police. I live in Nevada what is police over here going to do about someone in California? I call the fraud line again and a gentleman answers and is very helpful. I explain that I work and have to clock in as well as going to dinner the day the transaction was posted so how could I be two places at once with my card? He said if I was able to provide proof that it could be reopened and the odds would be in my favor. This is on a Thursday. So the next day I print out my time card from work and go to the restaurant to get a copy of my receipt. I proceed to go to XXXX and have all the documents with my claim number on them faxed. I call the fraud call again afterwards and let them know I had submitted the documents. They told me to wait until at least Friday the following week. I called them Thursday the day before the Friday and they said they received my claim and they it was sufficient enough to submit the claim to reopen. I called them on Tuesday the next week and they said it was still awaiting to be reopened. I waited till today, Monday XX/XX/XXXX. Now over a month later of dealing with this I was never treated worse. I speak to the rep who was kind and tried what she could to help me. I asked for a supervisor who told me her name is XXXX. XXXX had explained the same information about the chip and pin so therefore it was me. I explained that it was not and that I have never made a payment to this electric company nor do I live in California. I proceeded to ask what could I provide to proof I was here with the card when the payment was made in California. She told me that to not go back and forth and waste my time to have a good day and abruptly hung up on me. I have been with chase for 10 years. Since before I graduated high school. I have never been treated this way and it was completely unacceptable. I don't make a lot of money I am paycheck to paycheck and for XXXX to be taken from me has completely put me behind on my own bills. I am now late on rent as I scramble to come up with the money and work something out with my landlord over this issue. I am defeated and disgusted by how chase representatives treated me. Especially a supervisor no less. I want this issue resolved and then I will be closing every account I have with Chase. This has affected my life greatly and not XXXX care in the world from people who should be helping me the most. I did what I was supposed to do, I saw fraud, I reported, I've called and been attentive, I provided documentation, and yet I am the one who suffers. Not the person who stole my money and used it to pay their bill. But me and I am treated poorly for it on top of that? How any organization could operate like that is beyond me. I hope no one ever is treated this way and to never stop fighting even when you feel hopeless. | ||||||
| 05/17/2022 | Yes |
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| On XX/XX/2022, I fell victim to a wire fraud scheme. While shopping for apartments in XXXX XXXX, I signed a falsified lease and initiated a wire transfer in the amount of {$5600.00} to an account at XXXX XXXX XXXX. Within the hour, I realized I was being defrauded when the doorman of the condo confirmed the name given on the lease did not match the name of the current owner of the unit. I immediately called Chase while the wire was still being processed, but was told the department that handled wire transfers would not be open for a few more hours. I then called XXXX who thankfully did have someone available to help. They had already been alerted by the account owner that their account had been compromised. XXXX froze the funds immediately and let me know they'd be watching for a recall request from Chase. I followed up with Chase and requested a wire recall, which they sent to XXXX. I called XXXX on XX/XX/2022 to follow up and they confirmed they received the recall. They notified me that they responded to Chase with a request for a hold harmless or letter of indemnity. This is where all support from Chase stopped. I called their customer service that same day and was told the team that handles authorized wire transfers ( known as XXXX XXXX ) was no longer accepting phone calls and could only be reached by through the Secure Message Center, a digital inbox on Chase.com. I reached out as instructed, explained the situation and request, and was told I'd receive a response within two business days. Two days later on XX/XX/2022, I received a message from XXXX XXXX XXXX that they have acknowledged my request for a hold harmless letter, and that it could take 45-90 days to process. I was also told their Investigations team would reach out to me. Over the next 90 days, I was subject to immense amounts of stress as I received conflicting messages from numerous departments. The XXXX XXXX team proved unresponsive, so I began reaching out to branch bankers at the XXXX XXXX XXXX branch for help. They reached out to XXXX XXXX internally through chat and assured me that the form was coming, the department was just backed up and needed more time. When we continued to hear nothing from the team, they escalated my case to branch escalations. Three separate individuals from branch escalations, XXXX, XXXX, and XXXX reached out on separate occasions. Twice, I was told go to a Chase branch to fill out a Hold Harmless form. I went each time and the branch managers had no idea what to do before directing me back to escalations. When I couldn't get ahold of escalations, I spent countless more hours on the phone with customer service, being transferred back and forth between claims and other departments. When it became clear I was being given the runaround, I reached out to several branches in the XXXX XXXX to hopefully find someone who had experience with this. I was told by a banker at the XXXX XXXX branch that he had dealt with wire fraud before, so we arranged a meeting and contacted customer claims together. We were sent a hold harmless form from claims that I filled out and he notarized before sending to XXXX. I contacted XXXX shortly after, only to find out that this was not at all the form they needed ( the one we filled out was apparently for individual check fraud ) .This incredibly taxing experience took place over a full 90 days, but it was made bearable by the reassurance that this form was on its way. I reached the end of the given window without any word or contact from XXXX XXXX or XXXX XXXX, the two departments I was told I'd be contacted by. On day 95, I once again reached out to claims in hope of an update. They bluntly told me " Chase does not issue Hold Harmless letters for authorized transfers, as it's a scam not fraud. '' I tried to explain that this ran counter to EVERYTHING I'd been told over the last 95 days, and the department did not care. Defeated, I reached back out to XXXX and was told that they had not once been contacted by Chase over the entirety of this ordeal. Without that hold harmless, they would not be able to complete the recall, and my funds would sit frozen indefinitely. Chase failed to contact me as promised and didn't even have the decency to actually investigate my case. If they had merely contacted the receiving institution, they would have found how little risk there would be in issuing this letter since all the funds were frozen and the recipient had already alerted XXXX to fraudulent activity. | ||||||
| 09/16/2021 | Yes |
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| On XX/XX/XXXX, I deposited an escrow check with the proceeds from the sale of my mother 's property in the amount of {$290000.00} to my mother 's checking account with Chase ( account ending in XXXX ). The checking account has me ( XXXX XXXX ) listed as the representative payee so that my mother ( XXXX XXXX ) can receive checks from Social Security. I have been acting as my mother 's agent in various roles, first as her conservator ( no longer ), her power of attorney ( current ), and as the successor trustee of the XXXX XXXX XXXX, due to XXXX XXXX XXXX that she has that prevent her from capably handling her own finances. When the Trust was updated in late XXXX, I forgot to open a bank account specifically for the Trust. We had never needed a Trust bank account until recently when I needed to deposit the escrow check. The house was included in the Trust, and the escrow check was written out to me as the successor trustee. However, we had not completed the resignation of trustee/appointment of successor trustee paperwork to legally list me as the successor trustee. When I deposited the check, neither the teller nor another banker standing behind her noticed that a check written to a successor trustee was being deposited into a representative payee account, not a trust account. On XX/XX/XXXX, I went to Chase to withdraw funds from my own personal checking account ( account ending in XXXX ) and was unable to. I found out from a teller that both my personal and my mother 's checking accounts had been frozen. After making a call to Chase with the assistance of a banker, I learned of my mistake in depositing the check to the wrong type of account. I was unable to speak with anyone who was in the position to make a decision about this case ; it is Chase 's policy that neither customers nor bankers can speak with these individuals. So all the information we were getting was being told to us by a representative who was apparently speaking with the decision maker. They asked if I had successor trustee paperwork, and I said that I didn't. They said that they would not release the funds unless I opened a trust bank account with Chase. Getting all this information took two trips to the branch and long calls with the bankers, and I had not received any letters in the mail regarding the situation. I received one letter accessible through the Chase website that stated my accounts were frozen, but it didn't offer any specific information on how to remedy the situation, just to make a call to the same department that I had already called twice with the bankers. I was very disappointed with and offended by how poorly Chase had communicated with me, so I told them that I would not be opening up another account with Chase. I contacted the lawyer that had helped us update the Trust and she sent me the paperwork necessary to be established as successor trustee. I went with my mother to get the documents signed and notarized, so as of XX/XX/XXXX, I am the successor trustee for the XXXX XXXX XXXX. I had a banker send all this information to the decision makers at Chase. Despite the situation being a mistake due to ignorance and not malice, Chase closed both my mother 's and my checking accounts on XX/XX/XXXX. I still have not received a letter stating in writing why these accounts were closed. I do not know if these account closures will reflect negatively on me in the future because there has been no communication to explain their decision. I was told with no details that a check for the remaining amount in both accounts ( {$290000.00} for my mother 's account and {$21.00} for my account ) would be mailed to me. It is nearly a month later and I have not received the checks, nor has any communication been attempted by Chase to notify me that the checks have been mailed. I have spent nearly every day of the last month fixing situations with our creditors and have had to use thousands of dollars of my savings to cover payments because my mother 's retirement direct deposits have been stopped and the delays are taking weeks to send a paper check. I have since opened three checking accounts with XXXX : personal checking for myself, personal checking for my mom with me listed as the power of attorney, and a trust account with me listed as the successor trustee. I have plenty of documentation to provide to CFPB if necessary, but I will not upload anything at the moment because Chase has everything that they need to resolve this situation. | ||||||
| 06/06/2019 | Yes |
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| Hello, I seek help with the Consumer Financial Protection Bureau due to fraudulent activity made on my Chase account. On XX/XX/2019 I went to a restaurant with my friend. Within 15 mins after leaving I notice I forgot my phone at the restaurant. When I went back, the waiter gladly gave me back my phone. About 2 hours later I was going to payback my friend through XXXX XXXX XXXX on my Chase Bank App and noticed all my money was missing. {$1000.00} to be exact and was sent unauthorized to someone named XXXX XXXX at XXXX. I dont know anyone by that name nor was that person in my quick pay contacts. My last transaction from XXXX XXXX XXXX was {$15.00} deposited into my account from my XXXX at XXXX on XX/XX/2019. I reported this right away to Chase Bank because I didnt not make this quick pay transaction and there was absolutely nothing I could do on my end on the app to reverse it. I have never in my history of Chase have ever made a transaction that big. I contacted Chase and made a claim as soon as I noticed this fraudulent activity within 5 hours of the unauthorized transaction. I told the representative what I did, how I was at a restaurant and forgot my phone and since I dont have a security lock on my phone I believed someone went on my phone and possibly went onto my app and sent themselves all my money. When asked how they were able to get into my app I said I believe because my password was saved to my phone. ( Which later I realized I can only login to my app with only my fingerprint. Therefore no one should have access to my account. ) Chase took my claim and said they would suspend my account and advised me to go to a local branch close my account and to begin a new account with better security measures to ensure this does not happen again. So the following day I went to my local branch and closed my account. The team member who helped me said the customer service operator I spoke to on the phone never froze my account once I reported it, although its protocol to automatically do it for any fraudulent activity reported. So my account was still open and good to use. He told me if the operator I spoke to on the phone wouldve froze my account when I called, the money couldve been stopped from being processed and I may have been able to still have my money. But the operator failed to do as he told me he would. The team member at the branch continued to help me close my account and create a new one with better security measures. While sharing with him my claim, worries, and emotional distress due to all my money being stolen he guaranteed me I would have my money back. I left the bank feeling relieved and satisfied with the help and guarantee I received that I will get my money back. On Monday XX/XX/2019 I received a letter that stated We found that the transaction was processed correctly or authorized and No adjustment will be made to your account at this time. Its dates XX/XX/2019 which means they closed the case within 3 days of my reported claim. I called the Chase Customer Claims Department because I was never updated with any information regarding my claim. When I called I spoke to a representative named XXXX. She said they found from their investigation there was no sign of fraudulent activity. No failed logins, no passwords changes, and no suspicions. She stated the transaction was made off of my phone and it was send from the same IP address and location where I currently reside. So the case is closed and will not be open. I continued to ask her for more help because I need my money back. I told her I was guaranteed my money back and I need to know what I can do and she said I can make a police report so they can further their investigation. I found it so unprofessional. For a company that deals with fraud and knows how IP addresses and location can easily be copied and know how phones can be cloned. Their investigation was not thorough and they gave me false and misleading information. I currently work 4 part time jobs and take care of my family. I pay rent and have bills to pay off just like any other person. I didnt make that transaction. I shouldnt have to feel like I need to defend myself over a bank that should be helping me resolve this and represent me. For a bank I have been loyal to for about 3 years I didnt except this. Their lack of proper investigation and service has me suspicious on their end of what may have happened to my money. Im struggling to get back on my feet. I need my money back. | ||||||
| 12/14/2023 | Yes |
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| Summary : Shortly after I froze my credit and debit cards due to theft, Chase bank emptied my checking and saving accounts. Over a month later, I am still unable to access the {$95000.00} that Chase withdrew from my accounts. I have received no explanation as to why they have taken this action, nor a timeline for resolution. XX/XX/XXXX : My wallet was stolen in XXXX XXXX, CA. I froze all of my credit and debit cards. XX/XX/XXXX : As I was leaving town for a trip, I received a notification that my checking and saving accounts had a negative balance. I find that my checking account and saving account were drained in entirety ( {$72000.00} and {$22000.00}, respectively ) with description Debit DDA - Check Charge. I called Chase who advised me to visit a branch. I also notified the Chase rep of a fraudulent {$25.00} taxi charge from XX/XX/XXXX and the amount was refunded. XX/XX/XXXX : I visited a Chase branch in XXXX, PA. I spoke with two agents, both of whom assured me that this is a straightforward fraud case that will be resolved through replacing my existing Chase accounts with new accounts into which my preexisting ( inaccessible to me ) balance would be transferred. One of the branchs agents called a Chase Fraud Expert and deliberated for some time, after which they each informed us that both of my Chase accounts had been intentionally drained by Chase in preparation of permanent closure for an undisclosable reason. On the bright side, we are told that we will receive the original balance via a check in the mail ( in ~10 business days ). Before I left, I transferred a direct deposit that had been posted the same day into my partners account ( as advised by the chase rep ). XX/XX/XXXX : I received a notification from Chase that my credit report had an update. I created an XXXX account and saw a hard inquiry for a loan on a car at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX , CA . I froze my credit file and contacted the loan issuer to notify them of the fraud. I froze my credit with all three major bureaus and disputed the hard inquiry. XX/XX/XXXX : I called Chase customer service to get confirmation that the accounts were really being closed and to see if somebody could tell me why. No explanation was given. XX/XX/XXXX : I called the Chase customer service number to get a status update on the check. I was told that the check was " being processed '' and it would take an undisclosed amount of time before I would receive it and a letter with details about the account closure in the mail. XX/XX/XXXX : I was locked out of my Chase online accounts ( can no longer log in and see account or credit card information ) XX/XX/XXXX : I called an agent from the branch visit on XX/XX/XXXX to inquire about check status. He stated that something in my account needed to be closed before checks could be sent out. He said he would call me back with updates. I have not heard from him since. XX/XX/XXXX : I return home from my trip to find two letters dated XX/XX/XXXX informing me that my accounts were restricted and to be closed due to potential fraud. XX/XX/XXXX : I called Chase to inquire about the check status. I was told that the check I was expecting had been destroyed and that there is no check being mailed. My account is under review and nothing will happen until the review is complete. I was given no details on what caused the review and how long the review might take. I am to receive a callback from " the back office '' within 2 business days. The call resulted in complaint id XXXX ( documents my request to receive the funds that are not being returned to me, submitted to the back office team ) XXXX : I called Chase back after waiting the suggested 2 business days and they have no new information ( only that the back office is still " working on it '' ). Their only advice is to call back periodically to inquire the account status. XX/XX/XXXX ( Today ) : I am still unable to access my funds with no estimate as to when I might receive it. I have no idea why the account was closed or what caused the account review. I am periodically calling chase back and they wont tell me anything about the status of my account or when I may receive the funds that were in the closed account. I am told that I am permanently banned from all Chase services, yet my credit cards still work and I have not received any official notice confirming this report. I just want my money back but Chase demonstrates no interest in fulfilling that. | ||||||
| 04/01/2022 | Yes |
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| On or about XX/XX/XXXX, I was telephonically introduced to XXXX XXXX by my boat Broker, XXXX XXXX ( who can be reached at ( XXXX ) XXXX ). XX/XX/XXXX, I received an estimate of repairs from Happy XXXX 's XXXX based out of XXXX, MD, which was sent to my friend XXXX XXXX ( who can be reached at ( XXXX ) XXXX. Total labor was estimated at {$3500.00} and parts around {$1800.00}. XXXX wrote on the estimate that a down payment of {$1800.00} would be required to begin work. On XX/XX/XXXX, I transferred {$1800.00} to XXXX XXXX XXXX using my Chase Bank Application on my cell phone. XXXX later demanded {$3000.00} to get started, and then later declared it was {$4000.00} ( I have the texts ). The following additional transfers were made to XXXX upon request to continue the boat repairs in response to his specific demands. XX/XX/XXXX ( {$1200.00} ) ; XX/XX/XXXX ( {$500.00} ) ; XX/XX/XXXX ( {$2000.00} ) ; XX/XX/XXXX ( {$2000.00} ) ; XX/XX/XXXX ( {$900.00} ) ; XX/XX/XXXX ( {$900.00} ). Each of these transfers was made in response to his demand for money on or about those dates, made during a telephone call or via a text message to my cell phone, and was sent using a wire through XXXX on my Chase mobile banking phone application while I was resident and situated in the state of Washington. On XX/XX/XXXX, XXXX demanded another {$800.00} from me in person while I was on my boat in Maryland checking the progress. I told him I could not get the entire amount right away, as I would need to make some transfers and I transferred what I could to him, which was {$500.00}, whith a promise to pay the remaining {$300.00} next week. He said that would be fine. On XX/XX/XXXX, XXXX demanded an additional {$300.00} and I did not pay him. His text message to me was alarming after I bought him lunch the day prior, and his response the following evening at approximately XXXX was " No I don't want nothing to eat but dam {$300.00} will be nice. '' This caused me to look into things further, and I discovered elements of suspected fraud. I demanded an accounting on XX/XX/XXXX, again, which has not been produced. XXXX was to replace the manifolds and risers on both engines of my XXXX XXXX XXXX XXXX. On XX/XX/XXXX, he admitted in front of my Boat Broker ( XXXX XXXX ) that he had only been working on my Starboard engine and had not even touched the Port Engine. To date, XXXX XXXX 's XXXX has taken over {$9800.00} from me, and is demanding another {$300.00}. I have requested XXXX XXXX 's time records and materials costs expended to date, along with a description of the work completed. Despite several requests, XXXX XXXX has not produced the records requested, and my manifolds and risers are still sitting on the back deck of my boat in the weather, where they were a month ago when I went to check on the progress. I was promised that the boat would be ready by XX/XX/XXXX ( originally I had a liveaboard tenant, but now can not reasonably lease the vessel in its current condition because the air conditioning/heating units are not working despite his representation that he had fixed both of them ). I am also incurring transient fees at my current slip, as I had planned to move to a new XXXX on XX/XX/XXXX, but the boat is inoperable in its current condition. I need help to bring charges under Maryland XXXX XXXX for fraud and violation of the state UDAP statute. To date, I have obtained the names and contact information for XXXX ( XXXX ) other potential Plaintiffs who have been victimized by this XXXX scheme as well, including XXXX XXXX ( XXXX / Tel : ( XXXX ) XXXX ) ; XXXX ( XXXX ) XXXX ; and XXXX " XXXX '' my boat diver ( XXXX ) XXXX. All three of these individuals have agreed to cooperate in any investigation of XXXX XXXX 's unlawful and deceptive acts and practices in the course of his trade. At all relevant times to this matter, I was a resident of the state of Washington and my boat situated in the state of Maryland. I am now moving to XXXX, Virginia to accept a job, and my boat is still situated at XXXX XXXX XXXX in XXXX, Maryland. I believe Federal jurisdiction may apply to this man 's course of dealing and trade. In the course of conducting his business, XXXX XXXX intentionally misrepresented and omitted material facts about the goods and services, and in reliance on those misrepresentations I have suffered damages. I tried to file a fraud report with my bank at Chase on the morning of XX/XX/XXXX, and the Chase Bank agent laughed at and hung up on me. | ||||||
| 02/17/2018 | Yes |
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| I have been a loyal U.S. Veteran Chase customer for over 5 years and have recently experienced discriminatory and biased treatment as a XXXX male and U.S. Veteran. On XX/XX/XXXX, we opened a claim regarding erroneous charges by 2 vendors : 1. RE : 3 - {$4.00} charges from an online XXXX XXXX 2. RE : 3 - XXXX for XXXX XXXX XXXX and was not aware I was being charged multiple times until XX/XX/XXXX after reaching out to vendor to inform him that I was unaware that I signed up for a membership because they started charging me in XX/XX/XXXX. My wife viewed their site in XX/XX/XXXX and did a 30day trial only and did not recall continuing the subscription. When we opened the 2 claims, the representative stated they could only reverse 3 charges in each instance since the remaining 3 were more than 60 days old. We completed the claims process and Chase stated they would reach out, if they needed additional information. Thus, they provided a temporary credit for 3 of the charges on XX/XX/XXXX. However, on XX/XX/XXXX, when I attempted to utilize my card, I was informed that they not only restricted my account, but closed the account! I believe this was maliciously done by the offshore team who took the claim on XX/XX/XXXX from my wife which I gave permission to speak on the account. She made the process long and drawn out when my wife begin to question her about the 60 day policy which we were not aware of. Also, this was our 1st claim raised in 2018. Therefore, we were very alarmed and distraught that XXXX closed my account after they provided the temporary credit on XXXX XXXX. Also, on Friday, XXXX XXXX a direct deposit from my XXXX XXXX XXXX payroll was deposited for {$2000.00} and when I attempted to utilize my card on Friday, XX/XX/XXXX for {$16.00}, my transaction was denied. In turn, I contacted the bank and was told my card had been restricted and was advised to go into a Chase Retail Bank to show my ID to get my card unblocked. When I arrived to Chase on XXXX XXXX XXXX on XX/XX/XXXX during the afternoon hours around XXXX/so, I was told by a representative that my account was closed. How could this be???? When I just spoke to an Offshore represenative who informed me otherwise. This was a " Bait & Switch '' discriminatory act because I was a XXXX male and had repeatedly informed them on XX/XX/XXXX that I was also a U.S. Veteran, and received no response from either representatives through several attempts. I was only informed they closed the account because there were too many claims on the account????? I only opened to legitimate claims this year in on XX/XX/XXXX and believe I was misled by the offfshore representatives who noted something on my account when I called in on XX/XX/XXXX to inquire about why I could not utilize my card. They transferred me to claims and stated that the restriction was relating to the claims department. In both instances, XX/XX/XXXX and XX/XX/XXXX I was dealing with offshore representatives and then asked to be transferred to management. By this time, my account had already been closed and the Manage in the US office said he could not help me because the account was already being processed to close. How could this be.????? Also, we were informed that we could not withdraw any money out of the account because it was in a closed status. However, when I called another representative on XX/XX/XXXX, they said you should be able to withdraw money out of the account. This was totally confusing and I believe this was strategically and intentionally done for an invalid reason regarding legitimate claims I raised on XX/XX/XXXX. In turn, I opened another account successfully online, and provided my SSN, Drivers license and other information to request a new account. The account was successfully opened, however, when I received the card and went into the bank, they said they just needed to verify my information to provide me with a pin, however, when I called, another overseas representative closed my account for no valid reasoning. I am being discriminated against and disinfranchised to have access to a Military/Premier Chase Checking account. Today, I experienced another deceptive and " bait & switch '' practice by Chase Bank. Out of all the years, I have been part of Chase Bank with constant loyal deposits and account activity, I have never been so humiliated and devalued as a human being. This discriminatory act was purposefully and strategically done by Chase Claims Representatives! | ||||||
| 09/01/2023 | Yes |
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| Fraudulent Debit Card Transaction : On Sunday morning XXXX at XXXX ( pst ) I was awaken by email alerts on my phone. It was Chase bank notifying me that my balance of XXXX that I had checked before bed was now XXXX. I sprung out of bed and called my bank 's fraud department right away at XXXX and had my card and pin cancelled and claims opened. My debit card ending in XXXX was in my possession in my apartment in XXXX XXXX. Bank account activity showed five transactions overnight. Three times in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XX/XX/XXXX minutes apart totaling {$690.00} and in twice at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX minutes apart totaling {$190.00}. Grand total of amount stolen {$880.00}. I was reassured by Chase during my communications with them that I would be protected, but my claims where never filed correctly which made me call everyday since Sunday adjusting ATM fee 's and opening multiple duplicate claims and speaking with many different departments, escalation teams, and phone representatives with lots of confusion and sometimes unprofessional attitudes from their part. On Wednesday XX/XX/XXXX I called and followed up on my claim # XXXX for purchases made Three times in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XX/XX/XXXX minutes apart totaling {$690.00} which I had to open two claims for because Chase Fraud representatives did not accurately report all fraudulent activity after being assured by them that I would receive a chargeback ... I never did. Chase Fraud then proceeds to tell me that within one day they have decided that the transactions are valid and my claim has been denied. That's the quickest decision ever made by the claims department within the years I have banked with them, but for a fraudulent transaction I'm baffled. Just last month I was issued a new card when I had an alert of an attempt on my card and I mentioned it wasn't me. My new dedit card I've had for maybe about a month. I ask why they came up with that decision and they mention my pin was used and a chip was entered so that proves it was me. You can see my previous transactions, you can see the moment I called them that this is clearly fraudulent. Why were some of my transactions that same night approved as fraudulent yet the other weren't? They say theres nothing they can do and I got very emotional after that and proceeded to cry during my entire work day 'cause that money was for my rent that Chase can see I do monthly through this account. My security has been breached Chase assured me falsely and let me down. I have no protection. I then proceed to visit a branch in XXXX CA and speak with Vice President and Branch Manager XXXX XXXX. NMLS ID : XXXX. XXXX proceeds to assist me and review my accounts. She notices this is clearly fraud and calls the same department I have been in contact with. For the next 20 mins XXXX debates with the fraud department and mentions " this is clearly fraud look at this customers previous transactions look at the area these transactions take place by her home address. '' Chase Fraud proceeds to tell her " a pin was use so it's valid '' She then mentions they should use " common sense '' to see my card was used in two cities in two gas stations minutes apart and with {$40.00} cash back for two transactions. She then mentions that they should be aware that cards and pins and information can be tampered now with todays technology and that me ( the customer ) is here in person wondering why Chase hasn't helped her? They proceed to repeat the same decision and XXXX is clearly irritated as well. She hangs up looks and me and mentions " you should file a police report if you can '' and apologizes for everything. I called Chase claims today XX/XX/XXXX to obtain information in writing about my claim that has the pin decision, but mention they " can not provide me with that as this is under investigation ''? I thought a decision was made?! I then mention I have a police report and they mention I should Fax that to them and I do right away. I am here to say the following : I did not make these purchases. I did not and have never shared any personal information regarding my account, card number, or pin. I was home all morning of XX/XX/XXXX. I have never visited these establishments. I did not authorize anyone to use my card information or physical card. I have attached PDF 's of supporting documentation and communications such as transaction details, emails, and phone calls. Thank you. | ||||||
| 02/10/2021 | Yes |
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| SUMMARY I opened a checking account with XXXX under the belief I would be given a promotional bonus, which they now refuse to pay after I have opened the account and met all the terms of the promotion. I have never encountered such poor customer service from a company as I have with Chase trying to resolve this. -- On XX/XX/XXXX, I opened a new checking accounts with Chase because I received an offer from Chase in my Chase mobile app " Just for you '' section for a {$200.00} promotion bonus if I direct deposited {$150.00} or more within 90 days of account opening. I opened this account through the Chase app and was expecting to begin receiving direct deposits into my account in mid-XXXX XXXX from my new job. After receiving direct deposits ( totaling over {$5000.00} ) into my account by the end of XX/XX/XXXX, I waited for my {$200.00} promotion to be credited but did not see it for more than 10 business days after the first {$150.00} was deposited. On XX/XX/XXXX, I called Chase customer service to follow up. They asked me for a coupon code, which they said should have been sent to me when I opened the account, but I did not receive the coupon code they described when I opened my account in XX/XX/XXXX. When I told the representative this, they told me there is nothing they could do. I called again immediately after and spoke to a different representative, explaining that I did not receive any coupon code despite being offered the promotion on the app. This representative told me I needed to go to a bank branch in person to resolve this. I told them I did not feel comfortable going in person during a pandemic, and they simply reiterated there was nothing they could do. I called a local bank branch immediately after and again explained my situation. This representative told me that because I opened the account online and not in person at their branch, they could not help me and that I needed to call and request to talk to the Online Banking department. I called XXXX customer service again immediately after and asked to be connected to their Online Banking department. The representative first asked me why I was requesting to speak to Online Banking and after I explained, proceeded to tell me that there was no such department. Again, this representative said that I needed to go in person to the bank. I called again to speak to a different representative, and when I explained that I do not feel comfortable going in person to a bank, they suggested I sign up for a virtual meeting with a bank representative. They told me that the local branch needed to generate a new code for me for an existing user, so that they could apply it to my account. I scheduled a meeting for the next day, XX/XX/XXXX at XXXXXXXX XXXX Today, XX/XX/XXXX, I waited for a representative to call me as I was instructed to do so when I scheduled the meeting. No one called me, so I called the number provided and was connected with someone else at a local bank branch. I explained the situation and that I was told they needed to generate a coupon code for an existing user, and the representative told me that because more than XXXX week had passed since I opened the account, they could no longer generate the code. It is important to note that I only waited this long to call and ask about this because 1 ) I had no idea that I was missing a coupon code to begin with, and 2 ) I was waiting for my direct deposit to satisfy the offer requirements which occurred within the 90-day timeframe. Again, I was told I needed to speak to the Online Banking department. I called again immediately after and requested to be transferred to Online Banking this time however, Online Banking seems to exist and I talk to an online banking specialist. I explain my situation and they tell me that I've been misinformed, and that there is nothing they can do. I ask to speak to their superior, who says the best they can do is email their e-coupon department that I have no way of contacting directly. At this point, I have spoken to 8 representatives and have been told they can not honor the promotion that I was offered directly through the Chase app and that I have satisfied all the requirements for. I find this extremely frustrating, unethical, and would deter other potential users from opening accounts with Chase if they use these offers to bait customers and then refuse to honor them. I have attached the promotion, which is being offered through XX/XX/XXXX. | ||||||
| 09/07/2021 | Yes |
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| On XX/XX/2021 I, XXXX XXXX XXXX engaged into a " consumer credit transaction '' with Chase Auto in which a " Finance Charge '' was involved " Amount Financed '' ( {$84000.00} ) and " Total Sale Price '' ( {$90000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction Chase Auto also took individual action to demand a " Down payment '' in the amount of $ {$5000.00}. Pursuant to ( 15 USC 1662 ) -Advertising of down payments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " down payment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that Chase Auto had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. | ||||||
| 11/09/2023 | Yes |
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| This claim is against Chase bank for the credit cards that i have with them : business ink, slate and prime. For all XXXX accounts i sent in the coupons detached from the statements which were indorsed as the agent for the principal. These information was taken from their indenture act filed with XXXX on XX/XX/XXXX saying that I am the holder in whose name the securities are registered. All coupons were accompanied by instruction letters as to set off the account and bring it down to XXXX. The payment for Business Ink card was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX. The Prime payment along with the letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. Slate card payment with letter was received by Chase on XX/XX/XXXX with USPS # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called chase and spoke with XXXXcustomer service and she confirmed that XXXX of the payments were received and that no negative comments were put on the account for these payments by her colleagues from their correspondence team or payment research team that would usually put comments in if the documents or the payments were not in order. She stated that the payments should be posted in a few business days. On Monday, XX/XX/XXXX i received XXXX letters, XXXX for the the Prime account and XXXX for the Business Ink stating that Chase does not accept this kind of payment. The written communication contradicts the phone communication! The same day, XX/XX/XXXX i called Chase and spoke first with XXXX, then XXXX, then XXXX, He stated that was some sort of supervisor. He said that Chase does not accept this payment. At this time i quoted from the indenture act of 2016 saying that coupons are to be detached. I also explained to XXXX that I am the creditor since i put my signature on the application which then is taken to the Federal Reserve as per section 16 of the Federal Reserve act, my application became a security. I also said that the bank can not loan me any money since they don't have it. This is supported by 12 USC section 1431 which states the power and duties of the bank is to borrow money from me the creditor by completing an application, putting my signature on and using my SSN. I also asked to be transferred to another person who can assist with my inquiry. I also mentioned 18 USC section 8 in which is says that coupons are obligations of the United States government. As per 31 USC section 3123, " the faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. As per 31 USC section 321 " the secretary of the Treasury shall prepare plans for improving and managing receipts of the United States Government and managing the public debt. I asked XXXX to send me the securities back to me. He denied several times that the coupons are not a form of payment that they would accept. In fact he said that he can not waist anymore time solving this predicament. I also mentioned to him that copy of the indenture that i was reading from was taken from the Security Exchange Commission website. I asked to be informed if there was any mistakes on my part and that i would like to get the securities back. To this statement he answered " When items are sent to us, they are scanned and then destroyed '' to which i answered that it was illegal for them to do that. He asked again for me to send a check, cash or money order.I asked again to have the securities send back to me. I repeated that they are not financing anything for me, that is was be who gave them a loan. I also stated that according to the publication of the " XXXX XXXX XXXX '' published by the Federal Reserve Bank XXXX XXXX, the money is produced out of thin air and if it wasn't for me giving them the application, we would not be having this conversation. He affirmed that he would put in the request for the reissuing of the securities and be sent to me. XXXX supplied me with a mailing address for the executive office. Finally, i would like to be solved in a satisfactory manner. I kindly ask that Chase provides me with a copy of my original application and the contract between us showing equal consideration. I can not remember anyone at Chase signing any of the documents i signed. In addition i would like to get a copy of their accounting ledger where it shows the credits and debits or assets and liabilities on the public side as well as the private. | ||||||
| 03/12/2019 | Yes |
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| Im writing concerning the situation when identity theft used my personal information to open multiple accounts in various financial institutions, including Chase Bank. I have never opened any account in Chase bank and have never applied for any account or credit card in Chase Bank. I have got my XXXX Visa in XX/XX/XXXX and visited the USA for a period fromXX/XX/XXXX to XX/XX/XXXX ( a copy of visa attached to this letter ). That was a period when I participated in the Student Exchange program ( Work & Travel ) and that required a Social Security Number which I got only for the purpose of the work during the program. Since I left the US, I have not used a Social Security for any purpose as I was physically out of the country and had no plans or intentions to come back. The second visa I got only in XX/XX/XXXX and came to the country in XX/XX/XXXX for a 3 days business trip. After that I had a couple of short trips during that year, but I never used my Social Security during these trips as I am a citizen of XXXX and travelled just on business purposes on behalf of the Company I was working for. Right now Im staying on the territory of the US for an extended period of time and only in XX/XX/XXXX Ive started receiving calls from Collection Companies. At first I considered these calls to be a scam, but a friend of mine advised me to go to any Credit Agency website and check the credit report to see what is going on. When I pulled out my first XXXX Report ( see attached ) I was shocked as during my 6 years absence from XX/XX/XXXX to XX/XX/XXXX, there were 8 fraudulent accounts opened on my name using my SSN and 2 accounts that already went to collections. I have already disputed all the accounts with XX/XX/XXXX Credit Agency that were opened without my knowledge. I also reported this incident to the Police. A separate Identity Theft Report was filled with the Federal Trade Commission ( see attached ). I also requested the Chase Bank representatives ( via Customer Service ) to conduct a thorough investigation of this incident and remove all the charges from me. Moreover, In one of the branches I have received the Identity Theft Report Form which I filled and sent to Chase Bank including copies of my Ids and paperwork supporting my absence in the country when the account was opened, but did not get any answer. There was a special investigator in Chase Bank assigned to investigate the case ( XXXX XXXX, tel : XXXX, ext. : XXXX XXXX ). We spoke a couple of times over the phone and he confirmed that identity theft used a California driving license with my name and DOB on it as a proof of identity. He also checked the voice recordings and found out that the voice of person opening the credit card and my actual voice did not match. I also informed him that I have never been in California and never had a California driving license and it might be fake. After it he stopped responding to my calls and voice mail and I had to do millions of phone calls to the customer representatives to reach him ( I believe you can check the register of calls and remarks ). When he finally called me back he said he can not do anything and started transferring me to different departments where people did not understand why this phone calls were transferred and everywhere I received only one response is that XXXX XXXX was the only person assigned to investigate the case. Ive started calling him and customer service again and again and looks like nobody wants to take responsibility for their unlawful actions and simply kept transferring the calls. In this light, I am kindly requesting the Chase Bank to finally take responsibility for your actions and finish the investigation and release me from all the unlawful charges that were places on me ( {$25000.00} ) as well as informing the 3 major Credit Agencies about removing the account mentioned above from my credit report. Also please be advised that all the accounts that were fraudulently open, including 2 collections have already been solved positively and removed from my credit report, except for the account in Chase bank. I also provide you with the list of supporting documentation, namely the copies of my 2 US Visas, Identity Theft Report to the Federal Trade Commission and my initial XXXX credit report that you could see all the accounts that were opened using my identity and the updated reports to show you that all of them were closed and removed from my report. | ||||||
| 11/07/2018 | Yes |
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| I opened a Chase savings account in XX/XX/2018. Last week I initiated two external transfers through Chase own site I use to manage my account. The transfers were in amounts of {$500.00} and {$530.00} to my son and husband respectively which both have accounts in XXXX XXXX. The process required me to confirm both accounts which I did ( two small deposits made ) and confirmed with the receiving bank and then with Chase. Subsequently two transactions were verified with Chase in form of text message confirmation number received to my cell phone which I confirmed and sent the text back. At about noon I received a call to my cell phone from Chase which was picked up by my husband as I was out. My husband took the call and instructed the caller to call after XXXX since I was going to be home by then. When I returned home I got on my husband XXXX informed me that the call from Chase was received. Subsequently I went online to log onto my account and I received a following message : We're sorry - we suspended your access to chase.com because of recent activity on your account. To re-activate your access, please call us at XXXX and choose option XXXX. If you are outside the U.S., please call us at XXXX. Commercial customers please contact your Client Service Professional or Client Service Officer. My account access was suspended so I called the number listed in the message about XXXX. First the Chase recording stated that due to large call volume I am advised to call after XXXX central time regardless the fact I called after XXXX. After a long hold the overseas call center worker pickup the phone and after verifying my identity I asked to have my husband to speak on my behalf since my English is not that good ( I am XXXX ). My husband requested the reason why both the transfers and my account access were suspended. The worker stated that she doesn't have this info but she will transfer to someone who can explain the situation. I was then put on long hold and transferred to another call worker ( in the XXXX ) with whom I had to confirm my identity again. Again I asked to have my husband to speak on my behalf and authorized him to speak to XXXX. The worker again apologized but stated she doesn't have the info requested and also doesn't know why the account was suspended or she's not authorized to unfreeze my access to it. My husband then requested to speak to the US based customer service and the woman on the phone informed him that she doesn't have any info on why the account and transactions were suspended. The people that my husband spoke to identified themselves as XXXX XXXX in the overseas call center and XXXX XXXX in the XXXX, OH center. Three people engaged on the phone refused to offer any assistance with Ms XXXX only stated that I will have to call the same number again. My husband is a XXXX so he contacted Chase media relations to address the issue. At about XXXX today ( XXXX ) I received a call on my cell phone which was pick up by my husband and he attempted to received info about this situation from the Chase executive office person that called. The Chase person stated that my account was probably not authorized to make any transfers despite what I was told when I opened the account and these transactions were first since the account was opened in XX/XX/XXXX. My husband became upset with the Chase worker 's inability to provide any answers or restore access to my account so the call was terminated. It is apparent that I am being targeted here by Chase perhaps because of my nationality and race. It is very sad that the international bank would be treating its customers this way and I want the workers who treated me this way punished and made sure that what happened to me doesn't happen to anyone else. This is not acceptable way of doing business and the company must restore my access to accounts and my transactions. I want to know the following : 1 ) Why the bank suspended my transactions despite the online and phone authorization and confirmation? 2 ) Why the number given to me on the site is useless and why the bank deceives consumer to call it while it doesn't offer any assistance or explanation? 3 ) Why the bank didn't offer XXXX interpreter when I asked for it? 4 ) Why the Chase didn't call when requested by my husband on XXXX after XXXX? 5 ) Why the bank suspended my account without any warning or explanation? 6 ) Why the bank is abusing me and my family by treating me like this? | ||||||
| 06/29/2023 | Yes |
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Web | Servicemember |
| In XX/XX/XXXX, I received my Checking Statement from JP Morgan Chase Bank. I noticed that instead of the usual {$.00} Balance which I had for a few years as the account has been dormant. I used the checking account when I lived in XXXXXXXX XXXX. I then left in XX/XX/XXXX to live in XXXX, having taken a position as a XXXX XXXX XXXX ( specializing in XXXX ) with the XXXX XXXX and later, XXXX XXXX XXXX XXXX. Also, as a Veteran, I had a free XXXX XXXX XXXX, along with one that I had paid for. When I left XXXX, I had not closed the boxes but went back in XX/XX/XXXX, to close them both. Or at least I thought I did. The Checking Statement showed that I owed {$48.00} as I had been charged an annual fee for the " free '' Veterans XXXX XXXX XXXX. I was confused so I called the local branch where the box is located at XXXX XXXX XXXX XXXX XXXX OH. I spoke with the Bank Manager, XXXX XXXX ( XXXX ) on XX/XX/XXXX. He said he would look into it as I told him I had never received any notification that the box was no longer free and I said I had closed it. I called back on XX/XX/XXXX, and spoke with him again. He said that while the paid box had been closed, the " free '' box for Veterans had not been and is no longer free. A letter had been sent to me giving me one month to close the box or be charged an annual fee. I told him I had closed the box. He said it had not been signed for. I also told him I had never received a letter about this fact. He said I had received one. When he looked for it, he could not find it. I told him to escalate the matter to the corporate level. On XX/XX/XXXX, I called Customer Service. I spoke with XXXX from XXXXWhen I asked him to look for the letter, he said that only the Branch has the letter as they have the code to access it. Corporate does not have a copy of the alleged letter sent to me. On XX/XX/XXXX, XXXX ( XXXX x XXXX ) called from the Escalation Dept. I believe he was from overseas. He said he was the final arbitrator. He said a letter had been sent to me at my address. I also need a POA to close the box, if I can not come to XXXX, and the key for the Veteran 's Box. The XXXX for this action was XXXX. I asked him why would I keep a box that I was never going to use as I had left XXXX. And if I even had the box, why was I not informed by letter as I never received it. He said he had seen the letter which is why he was telling me I had received it. Paying the {$48.00} is no problem for me but I do not like being taken advantage of. I then went to a local Chase Branch at XXXX XXXX XXXX XXXX. XXXX, VA XXXX, and spoke with the Manager there, Vice-President, XXXX XXXX XXXX ( XXXX ). She was kind enough to look up the letter finally. The letter was addressed to me on XX/XX/XXXX, but to an address in Texas. ( XXXX XXXX XXXX, XXXX XXXX TX XXXX ). For some reason, they sent it to XXXX XXXX XXXX. The letter has my name on it! ( A copy is attached ). XXXX XXXX then said she would re-escalate the complaint to Corporate. I then waited 2-3 weeks. I then went to visit her after I had called her a few times and she did say I should be expecting a call. XXXX XXXX said that Corporate had said that she should not have re-escalated the issue for me and the decision was final. I took it that they had been angry at XXXX XXXX for assisting me on this matter. At this point, the following has occurred. 1. I was not sent a letter notifying me of the new policy. Their error which they refuse to admit to. 2. I can not find the key to the box as I know I closed it over two years ago. Even if I get a Power of Attorney to get it closed, without the key they are saying I need to pay to drill out the lock which is expensive and will be charged to me. 3. I am being charged for the annual upkeep of the box, as well as late fees ( I assume ), and eventually credit reporting ( my credit is excellent ). 4. I have spent a lot of time on this matter which has not been my fault. It has been very inconvenient and frustrating knowing that either this has been handled either in a deceptive manner or not sensibly. As a Veteran who trusted Chase, it is very disappointing and I intend to close my remaining accounts ( credit card and checking ) if it is not resolved in a fair way. I hope you can help to resolve this. The only alternative is to go to social media as fighting a corporate banking institution, which I have banked actively with in the past, is not easy. I appreciate your help. Thank you. | ||||||
| 07/27/2019 | Yes |
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Web | Servicemember |
| This is the letter of dispute I sent to JPMorganChase : XX/XX/2019 XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, NJ. XXXX Account # XXXX XXXX XXXX XXXX JPMorgan Chase Bank Executive Offices XXXX XXXX XXXX XXXX, OH XXXX Dear Sir or Madam : I am writing to dispute the fact that I applied for a XXXX XXXX XXXX offer ( XXXX bonus miles + {$250.00} statement credit ) and was given a totally different one ( XXXX bonus miles after spending {$2000.00} on purchases in the first 3 months ). I applied for the card online on XX/XX/2019. I was instantly approved with a credit line of {$11000.00}. Since you record all your customer calls, you will be able to verify that in the following days I called and was given reassurance that I had correctly applied to the XXXX + {$250.00} offer. On XX/XX/2019, XXXX XXXX, I called your Customer Service. After explaining that I had not been given the offer, the CS agent reiterated the fact that XXXX had the offer but that he did not know why it had not been honored. He indicated that he could file a complaint on our behalf, which we asked him to do. He informed us that it would take about 14 business days for us to get a reply. After filing it, we asked him to transfer our call to a supervisor, which he politely did. XXXX, who identified herself as a supervisor, answered the call. She immediately contradicted her CS agent and told us that XXXX had no such offer, but that it was XXXX XXXX who was offering such a deal. In the course of the conversation, our call was disconnected. I called again and this time, I spoke to XXXX, another CS supervisor. She contradicted what XXXX had told us and insisted that we had applied to the XXXX XXXX XXXX which was offering XXXX after {$2000.00}. At numerous times during our conversation, I repeated that I had not applied for the XXXX {$2000.00} offer, and that the XXXX + {$250.00} credit offer appeared in the process of us searching for airline tickets, which was what caught our attention. XXXX then told me we were given the XXXX {$2000.00} offer and there was nothing we could do about it. I asked her how was it possible that I was given a card I had not applied for without first informing me of that fact. I wasnt notified at anytime during the approval process that I was only being approved for the XXXX {$2000.00} offer and not the XXXX {$250.00} credit offer which I had applied for. We were not given the option to approve or decline. I asked XXXX to provide me with the contact information of the Complaint Department, which was above her, and she denied me the information telling me that there was no department higher than her and that all she could do was offer me what the first CS agent had offered us. I went on the inform XXXX that a complaint had already been submitted. On XX/XX/2019, I again called your CS department and I was basically told the same as before, but this time the CS agent specifically said that we had not been approved for the XXXX + {$250.00} credit offer and that was the reason why we were given the card with the XXXX {$2000.00} offer instead. Once again, I inquired why was this done without prior notification and without our approval. It was your obligation to inform us that we did not qualify for the XXXX + {$250.00} credit offer and then offer us the XXXX {$2000.00} offer and allow us the choice to accept or decline. I also asked the CS agent to give me the information to the Complaint Department and she refused to provide the information, that if we wanted to speak to a CS supervisor she would transfer my call but otherwise she wasnt giving me the information I requested. Finally, she did transfer me to a CS supervisor, who apologized for the hard time I was given. She repeated what the CS agent had told me about not qualifying for the offer we applied for and graciously gave me the information I requested in order to submit my complaint to your executive offices. I have enclosed copies of the website images of the offer we applied for and highlighted the statement : {$250.00} Statement Credit This product is not available to either ( i ) current Cardmember of this credit card, or ( ii ) previous Cardmembers of this credit card who received a new Cardmembers bonus for this credit card within the last 24 months. I do not have or have ever had THIS credit card. I thank you beforehand for your prompt consideration, investigation and resolution of this matter. Sincerely, XXXX XXXX XXXX, XXXX. | ||||||
| 09/20/2023 | Yes |
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| I'm writing to you to express my frustration with Chase 's fraud department and its unacceptable handling of fraud on my credit card. Because I have spent the last three months attempting to resolve this issue with Chase, and because Chase has not handled this matter appropriately, I am sending this message to both the CFPB and the New York State AG. Between XX/XX/XXXX and today, I have detailed the case of fraud on my card to representatives from both the Fraud Department and executive office. - From XX/XX/2023 through XX/XX/2023 I traveled to XXXX. - On XX/XX/XXXX, I flew from XXXX XXXX to XXXX XXXX XXXX. I flew back to XXXX XXXX from XXXX on XX/XX/XXXX. - On XX/XX/XXXX a vendor titled " XXXX XXXX XXXX XXXX XXXX XXXX made a charge of {$590.00} using my Chase card information. This is the fraudulent charge in question. - Once I noticed this charge on my account several days later, I immediately notified Chase, who refunded and closed my account on XX/XX/XXXX. - Chase recharged the {$590.00} to my account on XX/XX/XXXX, claiming that I was liable for the charge because I " received benefit from this transaction ''. Over the course of the last three months, I have appealed Chase 's finding several times and spoken with several members from Chase 's executive office, including a woman named XXXX with whom I spoke at great length. During those recorded conversations, XXXX confirmed with me that : - The transaction took place in XXXX XXXX on XX/XX/XXXX using the cards Chip technology. - Because I both retained my physical card, and used it for another transaction after XX/XX/XXXX, that the charge is NOT deemed to be fraudulent. - It is Chase 's widespread policy to deny any fraudulent claims that involve chip technology because the fraud department believes EMV Chip technology is foolproof. - If I could prove that I both retained my physical card, and was not in the city where the fraudulent charge occurred, the fraud department could accept my claim. I followed the instructions given to me by XXXX and sent the fraud department another appeal that included my flight itinerary and hotel reservation. Both of these documents show that I was in XXXX XXXX XXXX on the day that the fraudulent charge was made in XXXX XXXX. They completely ignored the documentation I provided and, once again, denied my claim, stating that because the chip was used, and because I maintained possession of the card, the charge could not be fraudulent. From the start, Chase 's handling of this matter has been confused and irrational. First they denied my claim because they said I " received benefit from the transaction ''. Then they changed their reasoning and said they're denying the claim because I retained my physical card, and that EMV chip technology can't be hacked. They also said, however, that if I could prove I was in another city, then they'd accept the appeal. First, I never claimed that I lost possession of the card, but that the card was compromised. Second, if it were truly the case that a chip card could not be hacked, then where I was on the date of the disputed transaction would be irrelevant. Third, and I shouldn't have to point this out to so called " experts '' in a fraud department, but if they had looked at my documents and at my bank statement with any scrutiny, they would have noticed that I used my credit card in XXXX on the same day as the fraudulent charge was made in XXXX XXXX. Obviously I can not be in two cities at once. And the fact that the bank statement shows that two separate purchases were made in two different cities on the same day, should be enough to raise a red flag. It goes without saying that this entire matter has been exceedingly frustrating. Chase 's apparent position that a chip card can not be hacked is an opinion that can easily be contradicted by publicly-available information. This position is both factually baseless and draconian. If it is indeed a de facto policy to deny all fraud claims involving chip technology, then Chase 's practices on display here not only affect me, but must be negatively impacting countless other consumers who rely on Chase to do their due diligence in these matters- a practice that is highly suspect and deeply troubling. As I said, I would have hoped that Chase had better-handled this situation, and it's regretful that I've been forced to contact governmental authorities. I am available if you would like to discuss. | ||||||
| 07/09/2019 | Yes |
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| My mortgage was switched from XXXX to chase back in XXXX of this year. Since I have have been with chase I have had only two payments go through. the other five have not. I have talked with numerous employees through out this situation. And each time was the same I gave them my routing number off my check as well as the account number that the funds were being drafted. Only XX/XX/XXXX and XX/XX/XXXX were the only times it was drafted out. I have used their automated service as well as talked to a live person. I called in and waited and checked my account three days later each time and nothing was withdrawn. I have repeated that information many times and have had them repeat it back to me. Each time i was told when it happened that there was an error. The routing number was wrong and and my account had insufficient funds and the account could not be located. Finally I called the executive office at chase in XXXX XXXX and talked to a Mr. XXXX XXXX who is a manger in the executive office. I told him the situation, gave him all the information. Sent him the faxes he needed in regards to my account so he could verify they were active and there were funds. I even made my XXXX payment with him and he told me he would look into it and follow my account. On XX/XX/XXXX, I was told that chase could not find my routing number and it came up as an error and my account could not be located. He also mentioned that when the mortgage was drafted out in XXXX it was taken out by my banks routing number and not my routing number attached to my account. I asked him if my payment had gone through and when he looked he said it had not and I would still have to make XXXX payment. On XX/XX/XXXX I called and talked to someone and made a payment. I waited three days and nothing was drafted out. I called again today and spoke to XXXX and once again I was asked what my account number was and my routing number and was told it had not been drafted out on the XXXX of XXXX, even when I called on the XXXX. of XXXX. I asked her why it was not taken out and was told it was not the right account and it wasnt active. so once again I had to make another payment for XXXX and I have not been able to make XXXX payment yet and will have to do so later in the month and will probably incur late fees because of this. These are the people I have talked to : XXXX XXXX-Manager XXXX ext. XXXX XXXX XX/XX/XXXX XXXX ( teller ) XX/XX/XXXX XXXX XXXX ext XXXX XX/XX/XXXX Mr. XXXX XXXX XXXX ext. XXXX XX/XX/XXXX XXXX ( teller ) they processed my Payments for XXXX on the XXXX and for XXXX on XX/XX/XXXX. This is the timeline how things progressed : XX/XX/XXXX I called into the automated system. ( XXXX mortgage payment ) XX/XX/XXXX chase called asking where my payment was XX/XX/XXXX it was processed XX/XX/XXXX was returned XX/XX/XXXX talked to XXXX at XXXX XXXX XX/XX/XXXX it came back as non sufficient funds XX/XX/XXXX called into automatic system ( XXXX mortgage payment ) XX/XX/XXXX sent back as non sufficient funds and chase was unable to locate my account XX/XX/XXXX called talked to person to process XXXX '' XXXX payment XX/XX/XXXX talked to XXXX again processed payment with him XX/XX/XXXX XXXX called needing faxes of my statements to verification purposes XX/XX/XXXX talked to XXXX XXXX again told me what he found out and payment had still not gone through and would have to make it again XX/XX/XXXX Called chase at XXXX XXXX to check and was told they did not have the right account number and it was not active. it was drafted on XX/XX/XXXX but returned on the XXXX of XXXX. so once again i made another attempt to pay my mortgage for XXXX. I talked to XXXX today. XX/XX/XXXX I also called the Illinois Attorney General and she gave me the phone numbers and website for the financial professional regulations, And when I called them they gave me the number and website to the OCC and this website. I have owned this house I am at for about 15 years and have never had this much problems with any bank. I am annoyed and frustrated and do not want to deal with chase anymore. They are incompetent and are not on the same page with their employees. Its ridiculous how many times this has happened and no one helped me at all. I want them to be liable and culpable to what they are doing because it is flat out wrong and they do not know what they are doing. If you need anymore information you can reach me at : XXXX ( email ) XXXX Sincerely, XXXX XXXX | ||||||
| 02/13/2019 | Yes |
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| XX/XX/XXXX I financed a vehicle with Chase with a co-signer. XX/XX/XXXX I sold the vehicle to a private buyer for the pay off amount of {$10000.00} ( 10 day payoff provided by Chase ). I sent two different checks. One for {$10000.00} and one for {$290.00} ( made the check for a little bit more than payoff ). I sent these checks with tracking to make sure it got there. After a few days it said the check had arrived at Chase 's financing department but they said they never got anything. Chase said they still could not find the checks so they suggested to cancel the checks and get new ones. So thats what I did. They said {$10000.00} was still enough to cover the payoff. I then received a payoff letter that stated the vehicle was paid in full and Delaware title with the lien released signed by Chase by mail that was dated XX/XX/XXXX ( I will attach all of these documents ). When I opened the account I set up automatic payments, once I recieved the title and payoff letter I then canceled the automatic payments because the vehicle was paid in full. XX/XX/XXXX we received a statement from Chase that said {$0.00} was due but the principle balance was {$270.00}. After the second or third time this letter came my dad/step mom called Chase to ask why the letter was still being sent if it was paid in full and about the principle balance. Chase said that if you received a payoff letter/title then the car is paid in full, so after that we didn't think anything of it but we were still receiving these letters and eventually stopped opening them. XX/XX/XXXX my dad gets a call saying you have a past due amount that is due immediately and late fees have been charged since XX/XX/XXXX. Hearing this I immediately thought this was a scam ... how can you tell someone they owe $ 300+ over three years later after Chase told me the car was paid in full and I received title/payoff letter. I called them several times to fix this problem and everyone was extremely rude. I talked to one supervisor and she kept cutting me off saying would you like to pay the amount today because we are adding another late fee and then sending you to collections and then hung up. It took 10 days to receive a call from the head person of Chase finance. I told him my situation and his response was " you owe the money ... .as soon as our customers say they are paying the vehicle off we automatically start getting titles/payoff letters ready in hopes we have loyal trustworthy customers ''. He then proceeds to tell me the check bounced and was put back in my checking account ... the {$290.00} was a money order, therefore nothing would bounce back into my checking account. His next excuse was well you stopped your automatic payments. Mind you, I stopped them when I received a title/payoff letter. Nothing Chase says adds up and they are making different stories up. I should not have to owe them anything with a payoff letter/title. I then filed a dispute with XXXX, XXXX, and XXXX on XX/XX/XXXX through XXXX XXXX. All three bureaus said it would take 30 days to process and I notified them all that I would be sending documents to support my dispute via mail. By XX/XX/XXXX I received emails that my dispute was completed and updated as accurate information. My credit score then went from XXXX to XXXX and my payment history went from 100 % to 99 %. I then made another dispute for all three bureaus again and contacted them by phone and let them know they didn't give enough time for me to even send over my documents to support my dispute. All three bureaus came back with accurate information and nothing changed. I got nervous because of my credit score dropping so much and I paid Chase {$320.00} ( only help they would give me was one late waive fee charge ). I called Chase and filed a dispute with them last week and asked them to take the late payment off of my credit report. I simply said I shouldn't have had to owe you any money in the first place because your company messed up somewhere but you won and got your money so I would appreciate if you do me the favor and contact the bureaus and taking that off my credit. The customer service representative agreed with me and said I would receive a letter with their decision via mail soon. Yesterday, I received a letter from Chase that said the information was accurate so there is no change necessary. I am getting no where with either Chase or the credit bureaus and this should not have been my fault. | ||||||
| 10/06/2022 | Yes |
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| On XX/XX/XXXX, my bag was stolen with my phone and wallet inside. I do not know how, but the thieves were able to unlock my phone ; they may have been eavesdropping and saw the code to my password as I unlocked my phone with it. With access to my phone, they were able to view my email account and change passwords, despite being protected by XXXX authentication ( email and text ). I believe they changed my passwords to access my Chase Bank mobile app. They also were able to open up credit cards using my SSN ( I assume they found it buried in my email in my lease application ) and access other financial institution mobile applications on my phone, but I was able to mostly resolve the other disputes directly with the respective companies and freeze my credit with the 3 credit bureaus. This claim is related only to Chase Bank. Unfortunately, the thieves deleted many emails coming into my email account from financial institutions. For example, the thieves opened up an XXXX Credit Card via XXXX XXXX, but there are no emails left in my Inbox or Trash that show application documents, confirmation emails, charges ( they racked up XXXX in purchases at a few different XXXX stores ), etc. However, there was one Fraud Alert email from Chase Bank I received on XX/XX/XXXX that shows a declined debit card transaction. The transaction did not go through due to fraud. At the same time, the thieves used my phone to send {$4800.00} from my Chase Bank mobile app to the XXXX wallet on my phone. This was all abnormal activity, as I have never used the XXXX wallet before and there were XXXX transactions totaling {$4800.00} between XXXX and XXXX on XX/XX/XXXX. One day later, on XX/XX/XXXX, there is a conversation between the thieves and Chase Bank on the mobile app via " Secure Messages ''. The conversation is attached. It appears that the thieves tried to XXXX transfer {$1500.00} to " XXXX. '' After having been rejected the first time, the thieves say they want to make payment for repairs on my car. I do not own a car. I have never made a car payment previously. This was now a day after suspicious activity has been all over my account. The {$1500.00} payment was approved and a second XXXX payment for {$500.00} was subsequently approved. In addition, there were XXXX XXXX XXXX payments made for {$50.00} and {$100.00}, though only XXXX appears on my bank statement because the {$50.00} payment was stopped. I recall receiving an email for a {$50.00} XXXX XXXX payment that was not authorized because of fraud detected on the account. I do not have access to the email anymore because it was subsequently deleted by the thieves ; I saw it when I re-gained access to my account, but before I was able to reset my password and re-take control of my account. While the {$50.00} payment was rejected, the {$100.00} payment was approved. According to my Chase bank statement, {$100.00} XXXX XXXX payment is shown to be prior to the XXXX payment. Bank statements can be lagged ( e.g., XXXX wallet transfers shown on XX/XX/XXXX on my Chase Bank Statement, but XX/XX/XXXX on the wallet mobile app ), but XXXX XXXX and XXXX are both Peer-to-Peer lending systems and likely both clear immediately. For what it is worth, I was able to call Chase Bank and stop/reverse the {$100.00} XXXX XXXX payment. I made a complaint with Chase Bank related to {$2000.00} in XXXX payments and was denied because " no triggers could be detected '' that would consider this fraud. I countered that the triggers include : the Chase Bank XXXX XXXX sent on XX/XX/XXXX transactions totaling {$4800.00} on XX/XX/XXXX to XXXX ( a first for me ), a cancelled {$50.00} XXXX XXXX payment ( made before the XXXX payment according to the Chase Bank statement and assuming the {$50.00} and {$100.00} payments were attempted at the same time ) and a XX/XX/XXXX conversation between the thieves and Chase Bank after Chase had rejected the first XXXX payment. After all this, Chase Bank allowed the {$1500.00} payment to go through and authorized another {$500.00} payment to " XXXX ''. I have attached bank statements showing these transactions on XX/XX/XXXX. Lastly, I will just note that it took awhile for me to learn of fraud of my accounts because emails were deleted. I also needed time to get another cell phone and have no home phone. Once I realized what was happening, I had to communicate via a Phone app on my computer until I was able to access another cell phone. | ||||||
| 05/03/2023 | Yes |
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| On XX/XX/XXXX I was called by someone claiming to be from Chase Bank. He told me there was suspicious behavior on my business account. Someone was attempting to use my card number in XXXX at a hair salon. I wasnt surprised to hear this because I had tried to order something for my company from a new website a few weeks before. I never got the order or any confirmation but money was also never taken out of my account. It was strange and I didnt understand what the scam was but it felt like a scam. So when someone called from my bank about suspicious spending it made sense to me. He asked me to check my other accounts and make sure there was no other fraudulent activity. When I opened my checking account on my phone, he poke as if he could see my account details. Referring to specific transactions and whatnot. It was a bit of a perfect storm because there was an unknown charge from XXXX for {$150.00}. I later learned that this was a XXXX subscription renewal and their price has gone up and for some reason it was charged to my debit card instead of my husbands work card. It all reinforced my belief that this guy was legit and the threat of fraud was real. He explained that to confirm that I was me and not the identity theft he would walk me through a wire transfer from my personal checking account to my own business account. The wire wouldnt actually go through but would serve to notify the bank that I was connected to both those accounts. I realize now how stupid that was of me. By that point my husband was on speaker with me and the man was so convincing. Another thing that made it seem real is because I have a text thread from chase that goes back to 2020. Anytime I need to reset anything or verify anything I receive codes from this number. These codes were coming in from that number as the guy was walking me through this processes. The codes were working. When I got to the wire transfer page the only names listed were my own and my business account. There was no name I didnt recognize! I woke up at XXXX nervous and checked my accounts. {$2300.00} was taken from my checking account. I immediately called chase fraud. They told me I would have to wait til XXXX to talk to accounts fraud. At XXXX XXXX I called accounts fraud and spoke to two different agents. They both told me my request was denied because I initiated the transfer myself. I tried explaining that whatever wire occurs and the one I initiated were not the same because there was obviously a different name than my own. They couldnt tell me the name or account number it was sent to and told my to file a claim with the FBI. I did that then went to talk to a banker at XXXX XXXX when the branch opened. He told me my claim was not denied after all. He explained that the transaction was still pending and they should be able to intercept it. They problem was no one could see the account number! Only the last four digits. I did however learn the name of the account it was sent to. It was the name of my business but what was hidden or cut off or encrypted or whatever was that at the end of my business XXXX was added. I went to XXXX XXXX to try to intercept it. They too could only see the last four digits of the account number. It was so painful. I felt like I was being fraud ed in real time. The transaction was pending for two days and my bank wouldnt stop it because they didnt know the account number. Both the banker at Chase and XXXX XXXX said they should have access to that! Once the transaction went through Chase said they can request that the receiving party not accept the funds. Obviously the receiving party declined that request and now my money is gone. Im not rich by any means. I am a XXXX and a XXXX and a XXXX XXXX XXXX. {$2300.00} is a lot of money for me. I am filing this complaint against Chase bank for doing nothing to support me. The fact that I was told my claim was denied twice when that was never true made me feel like they wanted to just get me off the line and not bother them. They fact that they didnt know the account number that they approved a wire too is unheard of. That they would do nothing while the wire was still pending was so frustrating. I understand wires are different than credit card or debit card transactions but accidents and scams do happen and the bank should be able to control it. I have now escalated this to their executive offices but have yet to hear a response. | ||||||
| 03/04/2020 | Yes |
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| Date : XX/XX/XXXX Amount : {$1400.00} We submit this ticket because we feel that the bank is very irresponsible in handling our flight ticket. Initially, I purchased a round-way flight ticket for my father on XX/XX/XXXX from Chase Bank using my Chase Sapphire Reserve credit card. The flight is scheduled on XX/XX/XXXX from XXXX to XXXX and XX/XX/XXXX from XXXX to XXXX. However, because of the coronavirus outbreak on XX/XX/XXXX, my father, as a doctor, wanted to reschedule the flight and go back to XXXX earlier to save more people who are in needs. Therefore, since Chase Bank is the owner of the travel agency, I called them to reschedule the change. The agent told us that we couldnt reschedule the flight because XXXX XXXX XXXX didnt allow it and he could only cancel the flight ticket. As such, we explicitly told him that he should not cancel the ticket because we wanted to contact the airline directly. Then he told us he already cancelled it even though I did not give him permission and explicitly told him not to. After this call, we called XXXX XXXX XXXX and they told us that I could not change the flight because the travel agency ( Chase ) has cancelled the ticket. Otherwise, I can reschedule the ticket for free. I was very very upset about Chase agent cancelling my flight ticket without my permission. Here is a series of events happened when I tried to resolve this issue. 1. I called Chase travel again after knowing my ticket was canceled. After telling them the story, the agent proposed me the solution in which I can purchase any flight ticket first and at the same time, they will conduct investigation. If the previous agent was found to be at fault, my flight ticket will be reimbursed. 2. After a few days, I received an autogenerated email stating that the ticket will not be reimbursed BECAUSE they return us the Chase points for cancelling the flight ticket. They tried to confuse me with flight cancellation and ticket cancellation. However, I spent around {$240.00} worth of points half year ago but I spend {$1500.00} for my new ticket. Those are not equivalent, so I called them again to explain the situation and told them explicitly that I am willing to return the point and ask for reimbursement. The new agent told me they will investigate ( again ). 3. After a couple days, I received another autogenerated email from Chase travel saying XXXX XXXX XXXX has cancelled my flight and they are not responsible for the cancellation. Indeed, the flight was cancelled, however, I am allowed to reschedule my ticket without incurring cost! Because the first agent cancelled my ticket, I cant reschedule but to rebook which is much more expensive. I called to a new agent and explained every thing. This agent is very responsible and told me he already tracked back to the first agent who cancelled my ticket and he told me INDEED that agent is the one who cancelled the ticket. However, he does need approval from upper level and will escalate the issue. At the same time, they will re-train the first agent. We are quite satisfied and relieved at this point. ( I attach the recording that the agent admitted clearly that it is Chase who cancel my ticket not the carrier ) 4. After a few days, we havent heard anything from them so I called Chase again. This time, a superior manager took over the call and started to deny everything. He kept pushing the responsibility to XXXX XXXX XXXX, claiming XXXX XXXX XXXX is the one who cancelled the flight. However, when I asked for evidences, he started saying that every evidence is internal and can not be released. Then I told him the previous agent already told me he already admit the the first agent made the error. This superior managers again saying that the previous agent was wrong. In conclusion, he didnt want to release any evidence and asked us simply believe whatever he said. I think this is totally unacceptable. 5. To make sure XXXX XXXX XXXX didnt make the mistake, we contacted XXXX XXXX XXXX in XXXX and in XXXX, all of them told me they dont have right to cancel ticket book by travel agencies. This agrees perfectly with our encounter where I am certain that the first agent told me he cancelled the ticket. As such, currently, I do not have any method to guard my benefit. I hope this issue can be resolved. My only requirement is ticket reimbursement. I can return the point refunded back to them because thats the amount Im suppose to spend. | ||||||
| 07/21/2021 | Yes |
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Web | Servicemember |
| In my mother 's will she was leaving me her XXXX XXXX XXXX. I knew the loan had a balance and I contacted Chase and made a payment of {$1200.00} on XX/XX/XXXX and let them know that I was interested in keeping the vehicle and paying it off once I received funds from her estate. I was told they would make a note of that. I then asked what I needed to do to get the vehicle in my name. I was told by Chase that I needed to go to the Secretary of State. I did and stood in line for two hours only to be told by the Secretary of State the I needed Chase to put the title in my name. Chase told me that was not the correct. On Friday, XX/XX/XXXX I received money from the estate and on Monday, XX/XX/XXXX I talked with Chase bank in order to pay off the account. I had the full amount and wanted to use my own Chase account to transfer the money. I was told by the representative that I could not do that because I was not the executor. That evening the XXXX was repossessed. I was told by my mother 's attorney in Florida that since the will was uncontested, I did not need an executor of the will and with every other aspect of this process, I have done everything on my own. So I got my aunt ( the executor ) involved. She contacted Chase and they told her I needed to get a XXXX XXXX or XXXX XXXX in the amount of {$10000.00} and get the money sent to Chase. On XX/XX/XXXX I was able to get a partial payment from money gram in the amount of {$5400.00}. Money gram told me I reached my limit and could not do another transaction for 24 hours. I went back and tried again, then I was told 3 days, then I went back again and was told one full week after the first transaction. Finally I went back one full week after the first transaction and I still couldn't send it through XXXX XXXX or XXXX XXXX because I met my limit of what I could send. Apparently this prevents money laundering. I called Chase once again and the representative said I needed to figure out how to get the money to Chase and suggested my aunt go and get a money gram and send it to Chase or she could go to a Chase bank and pay on the account. The nearest Chase Bank to her is a few hundred miles away. And if I sent her money to get a money gram, it would need to clear her bank before she could do that. She does not have XXXX, XXXX, etc. Her going to Chase to make the payment does not make any sense since they would not accept a payment from my Chase account. After many more phone calls between Chase, my aunt, and myself, ( we talked to over 28 people ) I decided to call the XXXX XXXX Chase branch manager. I talked with XXXX because the manager was busy, explained what was going on and he told me to come in and I could make that payment. I went in and made that payment on XX/XX/XXXX. We were then told that my aunt had to write a letter giving me permission to retrieve the car and it had to be notarized. She did that and faxed it to Chase on XX/XX/XXXX. Then we were told that before Chase would release the vehicle, I had to take the Chase receipt with the final payment on it back to my Chase bank and have the bank manager verify the payment. On XX/XX/XXXX I went in and did that. He called the auto redemption department, talked to 6 people ( I was in his office at the time so I know how many people he was transferred to ). Finally, he talked with someone and they gave him the name of the company where the vehicle was at and they said they would send over the letter so I could retrieve the vehicle. This was at XXXX on Friday so the place was closed until Monday at XXXX. On Monday XX/XX/XXXX, I called the repo company and was told that the vehicle was transferred to an auto auction site in XXXX Wisconsin. I went back to the bank to tell the branch manager this. He said there was nothing he could do but someone would be contacting me. No one contacted me until Wednesday, XX/XX/XXXX. Before I was contacted by Chase corporate I called the auto redemption number to try and get some answers. I was told that there was no letter giving me permission to retrieve the car and they could not talk to me since I was not the executor. It is now XXXX on Wednesday, XX/XX/XXXX and I still have no answers. This has taken almost a month to work out. I have had the funds to pay since XX/XX/XXXX. I am moving to Minnesota in 7 days. I had made arrangements for someone to drive my other vehicle up to Minnesota this weekend, XX/XX/XXXX. I need this fixed. | ||||||
| 07/27/2023 | Yes |
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| On Monday, XX/XX/2023 I received my paycheck from my employer. I then used Chase Bank online deposit like I always do to put the money into my bank account. The check was accepted and was I told that I would receive {$400.00} of my check instantly ( which I did ) and the other half of the {$900.00} the next day, Tuesday. While on the app that Monday night I saw that my Chase bank saving account was opening and told myself that when the check completely clears I will put {$400.00} into my savings. When I woke up the following morning Tuesday XXXX XXXX, I saw that my full check was cleared and my savings account was no longer showing up. And I understood why, because I didnt have anything in it for a while. So right away I went to apply for a savings account again. I think maybe 30 minutes or an hour later I got an email saying that my request for a savings account was denied I thought to myself that they denied it because it was too soon after to get a new one when my old savings account was just removed. That same day I went about my day, until I went to go check my checking account on the Chase bank app to see that they were not letting me in and that my account is locked due to suspicious activity. I went to XXXX to see if anyone was going through the same things and maybe it was just a glitch in the Chase banks system. When I went online I saw that they were having a system crash and people couldnt send or receive money. I then called the number that kept popping up every time I tried to log into my account. Right away someone picked up and told me that she/he could not help me because Chase bank entire system was down, and to call back in two hours. Two hours went by and nothing was fixed. I did figure out that just because I couldnt log into my account doesnt mean that I couldnt use my card. I used my card a couple of times that same night. Finally i came home and tried calling again to see if they could fix my account. This women picked up and told me that the suspicious activity was me trying to open a savings account. She didnt sate why that was suspicious though, only asked if that was me and when I confirmed that it was she gave me access to my online banking and approved the request for my savings account even though I didnt apply for another after I was denied earlier that morning. Everything with my account after that was great. I got to put the {$400.00} into a savings like I wanted and could see my bank statement and balance again. The next day Wednesday XX/XX/2023, I had no issues the whole day. Fast forward to today, XX/XX/2023, around XXXX I went to go log into my Chase bank app and the same thing popped up like it did two days prior, on Tuesday. I thought the bank was having another problem again and that all I needed to do was go call them and they could fix it as easily as last time. When I called I was transfer to another department and was told that my account would be closing permanently and they dont know the reason why. This representative that I was talking to said that it showed in my account that I applied for a SBA loan. That was not me. I have never applied for a loan in my life. When i looked up what SBA meant it said its for loans for small businesses. I dont have a small business. I then went to a Chase bank in person right after and the manger there was nice but was unable to help me find out why my account is being closed for good. I was also told that I couldnt take my money from my savings and checking out right then and there, that I have to wait a couple of weeks for a check in the mail with my money. But while there the manger and the lady she spoke to on the phone didnt mention anything about a SBA loan that the first representative that I talked to first on today. So being confused and emotional because no one was telling me anything and I wasnt getting my money I left the Chase bank near my house and called to talk to a representative again to get more information about this SBA loan that Ive never heard about before. When I talked to this representative she didnt even want to tell me that my account shows that someone tried to get a SBA loan like the other representatives did. So now Im confused as to why the first guy I talked to today told me about this loan but when I called again to get more information on that she didnt even want mention that loan and said she couldnt tell me if she even saw the Lon attempt on my account. | ||||||
| 02/24/2023 | Yes |
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| On XX/XX/XXXX, I received a call from the Chase Fraud department stating I had fraudulent charges on my business account. I spoke with this department for over an hour. They claimed they were backing out charges that had been attempted. During this time, my wife started receiving texts saying I was sending her money through XXXX from a XXXX account. I don't have a XXXX account. They told me, my card had been compromised and that they were locking my account and sending me a new card. Within this time, {$10000.00} was withdrawn from my account. On XX/XX/XXXX, I started receiving calls from his cousin, whom I XXXX money to every week for work, and an old colleague who both stated they received a payment from me. I did not send these payments so I logged into my account. Immediately, Chase Fraud was calling asking if I had logged in and what was going on. I stayed on the phone with them again working out these charges and money was still steadily coming out of my account. On XX/XX/XXXX, I went into the branch because at this point {$20000.00} had disappeared in less then XXXX hours. It seemed like everything Chase was stating on the phone was the opposite of what they were doing. A teller at The Chase bank on XXXX near XXXX XXXX, helped me. She stated that there wasnt any records of a case being opened and saw all of the transactions going out of the account. She stated that there were still several pending payments that they would freeze and that they would investigate the others to try and refund the money. They said they would put in a request for alXXXX XXXX payments from the XXXX through the XXXX be refunded back into the account. They had me reset a new security system on my account. I showed them the phone number that had been calling me and when the teller called it, it went straight to their fraud department, credit line, XXXX. As you can see on the bank statements that I attached, even with me changing the security on my account and the bank putting XXXX on the funds they still allowed several payments to go through even after I spoke with the teller and she made the investigation claim. {$10.00}, XXXX went out on the XXXX from my account. I sat in that office and explained everything that was going on showed them texts messages and phone calls and they still allowed that amount of money to leave my account without even stopping it. On XX/XX/XXXX, I received a letter in the mail stating that since I make regular payments through the XXXX payment option, that they would not refund the money as this was normal activity. I have never paid out that type of money and have also never made multiple payments to the same XXXX individuals over and over again in the same day, in a matter of minutes of each other. How is it normal activity if I was the one that came into the office and told them I was not making those payments? I was the one that came to them and they are supposed to stop fraudulent activity. On XX/XX/XXXX, my wife and I went into the bank branch on XXXX and XXXX XXXX. Another teller listed to our story and also stated how crazy it was that all of these payments did not register for an alert on the account. My wife also have a XXXX account and gave her access to the teller to see that the money that was supposedly being sent to her on the XXXX never once hit her account. Not a signal XXXX of those payments hit where they said they were going. She spoke with the Fraud department and their answer was the same as the letter and that if we wanted to continue the investigation we should contact XXXX, not them. I did put in a complaint with the Attorney XXXX office and the XXXX XXXX XXXXXXXX XXXX XXXX in hopes to have something done. I have not heard back from them as I know it takes time. It just seems to me that Chase took the easy way out of this as they are partial owners of XXXX. How can they not investigate further and finding out where that money went and get it back? They can see it didnt go into XXXX of their other customers accounts. They should be able to contact XXXX reps, as a business owner, and co-investigate together to help out their customers who have done nothing but invest in their organization. It specifically states on the XXXX website that all fraudulent activity should be address with the financial institution in which you use. So how is it that Chase is telling us to take it up with XXXX and XXXX is stating its a Chase issue? | ||||||
| 07/13/2022 | Yes |
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| Between the hours of XXXX on XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX, I was pickpocketed while traveling in XXXX XXXX XXXX When we returned to our hotel that evening, I realized my phone was missing and made the assumption that I had mistakenly left it on the table at the bar, and would need to return to get it the next day - and then went to sleep. On the morning of XX/XX/XXXX, I was able to access my email on a tablet I had brought on the trip, and discovered a host of email notifications from XXXX, XXXX XXXX, and Chase. At this point I realized that my debit and credit cards and driver 's license were also missing, and that my phone has been stolen, and not lost. Location tracking had been turned off on the device by this time, so it was also clear that the thief was somehow able to gain access to my device somehow via the lockscreen pin or other means. At this point ( morning of XX/XX/XXXX ) I borrowed a friend 's phone and placed phone calls to XXXX XXXX, XXXX, and Chase to cancel cards and report fraud, as well as to XXXX to take my phone line down. At this time, all three institutions reported that while it may take some time, I should get my money back. I initiated a remote delete on the phone through my XXXX account, filed a police report online, and set up credit freezes through the three credit agencies. Total amounts taken from each account totaled {$560.00} from XXXX, {$4100.00} for XXXX, and {$10000.00} from Chase, and were largely made at gas stations and XXXX. The first fraudulent changes made were two consecutive {$4000.00} transfers from my savings account into my checking. Police report and full list of fraudulent charges are attached. XXXX and XXXX XXXX both resolved this issue within a matter of days, but Chase has refused to relent after almost two months of back and forth, and are claiming that the claims were authorized and will be making no further changes to my account. Their initial claim is that the charges were authorized via text/email - despite the fact that I had reported to them in the initial call that my phone and ID had been stolen as well as my cards. At this point, with the assistance of a Chase employee at the branch nearest my home, I was told to provide a police report, and at that point, they would reopen the fraud claim. On XX/XX/XXXX, I received an email with the approved police report from the XXXX XXXX Police Department. I sent it along to my contact at the branch, who faxed it to their fraud team. After reviewing the police report, the Chase team continued to assert that the charges were authorized, this time citing the same claim of authorization via text/email, and that there were no invalid pin attempts. Again- as I stated earlier, the thieves likely gained access to my pin through some means, as they were able to get into my phone via pin. I do not know whether they had been watching me use my phone earlier in the evening, or something else, but in any case, I did not provide my pin or authorize any changes be made to my account. After reaching back out to the branch employee I had been working with, he filed an internal escalation for me through the branch. After chatting with someone from the escalation group, they reached back out to the fraud team internally. On XX/XX/XXXX, I received a phone call citing the same statement about invalid pin attempts, and also a factually incorrect statement where they claimed there was an authorized charge made in the midst of the disputed charges ( they were unable to tell me which charge this was ). Regarding the charges, the only transaction on XX/XX/XXXX was a payroll direct deposit, while all fraudulent charges occurred on XX/XX/XXXX ( no legitimate charges ), and the next legitimate charge was a monthly autopay of {$250.00} from my checking account to my mother on XX/XX/XXXX. All charges on XX/XX/XXXX were fraudulent, and there were no legitimate transactions were interspersed. On this call, the Chase employee suggested that I may be at the point where I need to take action outside of Chase, and as such, I am filing this report. It has been almost two months since my money was taken from me. While XXXX and XXXX XXXX both handled this process with expediency and simplicity, Chase has made it difficult at every step of the way and has continually made my life more difficult, seemingly having no concern for the customer and only interest in padding their bottom line. | ||||||
| 04/05/2022 | Yes |
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Web | Older American, Servicemember |
| Thank you, I was so happy visiting your web site and understanding that you address : Checking and Savings Accounts, Credit Cards, Credit Repair Services, Credit reports and other personnel consumer reports, Money transfers and money services, Student Loans For right now all of those are involved in a dispute between myself and some stealthy person at Chase Bank ( aka ). Credit Card Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( sometimes ). One can see from the two differing letterheads ( attachments ) that sometimes these people want to be known and sometimes they are undercover. In no case was there anyone who actually dared sign the letters. I think that speaks highly for our corporations and whom they employ-dont you? In order that one might better understand the history ; I include a copy of a letter from the clandestine works at Chase dated XX/XX/2022, follow with a really mean one dated XX/XX/2022. One will notice that I always try to follow the date protocol understanding that some of us are... Now, one will notice the threat in the letter dated XXXX XXXX in which all of my accounts ( including some that I dont even know about ) ARE CLOSED AND CAN NEVER BE REOPENED- ah so! OMG! I can only trust and know that the decision, to wit, is mutually agreed upon though I was not a part of the mutuality. One has to understand and know the power, the arrogance, and the absolute control that people making this decision ; have and please understand I know no one at Chase. Please note that the research done in closing the accounts was not very thorough, in that mortgage accounts, auto loans, etcetera are not known ; but in spite of my horrendous behaviorI can still make those.My XXXX, I am so lucky-no? Most of the remaining letter is incomprehensible and so I did not spend a lot of timeI am sure one can understand! It is at this point, that I would like to call your attention to the letter of XX/XX/2022. I believe that the substance of this letter is responsible for everything else and so I explain : On or about XX/XX/2022 I made a call to Chase Credit Cards wanting to consolidate debt. The consolidation consisted of about {$1600.00} from XXXX and about {$5000.00} from an account with XXXX XXXX XXXX All perfectly normal and common ; except for the poorly trained individuals at XXXX in the XXXX As matters turned out, a request made for consolidation on the same day and at the very same time ended up being two differing outcomes.. The first, {$1600.00} was made at 0 % APR ( not quite there is a one time charge of about 4 % ). The other {$5000.00}, was at an 8.4 % variable rate. So, at my first billing what I owed was excessive and I promptly called Chase. Of course, when one calls Chase these days, one waits for hours and hours. However, I did luck out and instead of XXXX ; I was connected to XXXX, XXXX. I explained to XXXX XXXX XXXX ) and he agreed to look into the disaster and see what could be done. Amazing-fees and costs were corrected! So, at that point, I thought everything would be all right, but I still felt uncomfortable about the lack of customer service skills or training in XXXX, I seldom get anything else but XXXX on the telephone, and with the arrival of the XX/XX/2022 letter I took advantage of another opportunity at XXXX. I trust XXXX and took advantage by transferring the screwed up mess to them. As I explained earlier, I do not know the reason for the lack of training of Chase employees in XXXX. Chase is not the same company they were pre-pandemic ; now they have lousy service waiting and waiting for someone at home to answer telephone and then I get a letter like the one of XX/XX/2022. I am truly offended : I was never late never a credit question-nothing- Then this XXXX or whatever closed all my accounts for ever and the XXXX even thinks that he, him/she, her can consider student loan payments as a part of credit evaluation. I have almost always been on Income-Based-Payment schedules and when payments resume in XXXX I expect that nothing will have changed! This has been a very stressful experience. I really believe that someone at the clandestine operation that keeps sending out letters, owes me a really big apology. Sincerely, XXXX XXXX XXXX ( I am not afraid to sign my name ) Attachments : 1. Prior Submission XXXX XXXX to CFPB. ( XXXX ) 2. Credit Card Services XXXX XXXX/XXXX/XXXX 3. Credit Card Services XXXX XX/XX/XXXX XXXX | ||||||
| 04/26/2022 | Yes |
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| I am writing regarding a Scam/Fraud event of XX/XX/2022. I received a text message the morning of XX/XX/2022 stating that a check had been flagged for about XXXX, which I did not write. I called the number in the text and was greeted by a man from CHASE. He asked for the case number, identified the amount and the person to whom the check had been written, then told me someone would be calling me immediately from CHASE fraud alerts. The gentleman called me back on the CHASE number, and explained my account had been compromised and that I would have to transfer money over to a new account. He also arranged for a new debit card to be sent to my place of work. I had requested that he sent there, as I was traveling in less than 48 hours. ( Again, he called from the CHASE XXXX number, told me my account number, so I did not question he was from CHASE. I did as I was told. ) He had me on the phone for approximately two hours. He told me he would call me back later that day to continue the transfer, that it had to be done in increments. This made sense to me, because of the alert on the CHASE website regarding limits on transfers. He also told me not to tell anyone about this, as it was between me, him and the feds. I called CHASE about an hour after the fraudulent call, concerned that this might not have been legitimate. I was told by the CHASE representative that it was not legitimate. I then proceeded to file a wire fraud report. While processing this, I was disconnected from the representative ( her voice cut out for a minute or two ) and eventually a recorded CHASE survey came on. I called back, and the new representative told me that I would have to change all the details on my online account. I did so, and then she sent me over to wire fraud alerts. There, I was told that the alert had been submitted, but that she could not give me the case number. I was a bit concerned about this, and called back later to obtain it, and I eventually did so after about three calls. The gentleman in questionthe scammerdid call me back at XXXX XXXX as he said he would. I did not answer. He called me back a number of times after that, all on the same CHASE number. I ignored his calls. At one point, I did call Chase to see if they could patch into the car, in case he called again, but was told if that was a police procedure. I did not have time to file a police report, as I was leaving on a trip. One thing I was not ask for when I originally recorded the fraud to CHASE, and that I then provided a week later, including the original phone number that I was asked to call when the check-alert text came in. Here is the original text message from the scammer : Here is the original message that led to the scam : CHASE : your check of {$1400.00} to XXXX XXXX has been flagged for security reasons please call us on XXXX or visit your nearest branch. Ref : XXXX I have since communicated with CHASE Bank over their " secure message center. '' All I have received thus far are assurances that my message has been received. I have not received any updates on the status of the case. Today, I noticed one of CHASE 's messages to me ended with the following statement : " You are now able to send a wire transfer to XXXX XXXX. '' " XXXX XXXX '' was the person to whom I was instructed to send the original wire transfer of XXXX. Therefore I was quite alarmed at the inclusion of this passage at the end of the secure message. To this end, I called a number provided in the secure message center in an attempt to speak to a representative live. After being transferred to three different representatives, over XXXX minutes, I was told I could only communicate with CHASE 's Wire Fraud Department " through the Secure Message Center, or with a banker. '' Again, I have received no specific updates from the aforementioned Wire Fraud Department. I have only received what seem like standardized replies followed by a disclaimer that this may not be resolved. Finally, as mentioned previously, when I reported the fraud to CHASE, I was taken through a process of creating a verbal password that I was assured would be requested in all interactions with CHASE. At no point in any of my multiple conversations today was this password requested. This is nearly a quarter of my savings. I certainly hope this can be resolved and the amount of the wire fraud returned to me. Thank you so much for your attention and assistance. | ||||||
| 06/26/2020 | Yes |
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| Dear CFPB, Write Up I Sent Chase : On XX/XX/XXXX at XXXX CST, I ( Primary Account Holder ) made a purchase on XXXX for the purchase of two ( 2 ) brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX computers. The price of each device was {$990.00} and with tax came out to be {$2100.00} that was paid via XXXX to the seller XXXX whos name is XXXX XXXX per the details provided on XXXX/XXXX. The transaction was paid for using my card ending in XXXX via XXXX. Upon checking XXXX after an hour or so, clicking on the product link brought me to a page that stated XXXX was now an inactive seller, the account was deleted, and the computers no longer available. I immediately emailed XXXX through XXXX platform and told them that I had paid for the item but it had gotten cancelled. It wouldnt even allow me to reach out to the seller. I needed XXXX to immediately cancel the order and refund my money through XXXX. I began receiving written correspondence, somehow, through XXXX dispute platform from the seller asking me for my personal email ( against XXXX policy ) to resolve the claim. After I communicated to him that I just wanted to obtain a refund, he agreed that he would refund the money. Shortly thereafter, I received a shipping notification ( XXXX # XXXX ) that stated the product had been delivered. What immediately jumps out that this is a scam is that the weight of a single XXXX XXXX XXXX XXXX XXXX is 4.06lbs. I ordered two ( 2 ) of these devices. At a minimum, not counting accessories or any of the additional packaging and materials that comes from XXXX, the XXXX tracking number should have reflected 8.12lbs. However, the tracking shows a total weight of 2.2lbs. This is red flag # 1. The next issue that comes up is that if I made the purchase on XX/XX/XXXX at XXXX CST. How on earth do I have a tracking number that begins on XX/XX/XXXX where a label is created at XXXX CST and the computers are shipped out at XXXX CST on XX/XX/XXXX. This is more than 24 hours before I made the purchase, let alone this was so late at night that its physically impossible. This is red flag # 2. I have provided 25+ screenshots of communication between the seller, XXXX , evidence, etc for you all to review. I am both a Chase Sapphire Reserve and Chase Sapphire Banking customer. I understand theres a process for these types of investigations but I wish there was more due diligence made, especially consider the details I provided above as well as the amount. I am requesting a full investigation of this transaction and dispute along with the documentation Ive provided for your review. I feel strongly that if your investigator reviews these details and documentation in more depth, they will determine that this transaction was fraudulent and Chase is able to refund me money. If there are other avenues that I need to explore ( i.e. XXXX or CFPB Complaints ), let me know but Im confident we can come to the appropriate resolution here directly. I look forward to your prompt reply to this message so that we can reach a resolution. Ive been a Chase customer for several years and have always been thankful for the service you provide. I can be reached at. Please let me know what additional documentation I can provide to assist with your investigation. ___________________________________________________ Response From Chase : I was told by Chase Fraud that because an item was " delivered '' that they lost the dispute. I called their customer service on XX/XX/XXXX at XXXX CST and spoke with two representatives who told me that I'm now on the hook for the charge. They said that I had to prove that I returned something back to the seller. I emphatically told them how on earth am I supposed to do that when nothing was delivered. They said that wasn't something they could help with. I reiterated that a tracking number was falsified and created before the item was even purchased. The weights are off as well and literally nothing was delivered. They told me that there was nothing I could do and that I needed to contact their executive relations mail address for further discussion. Additionally, they told me that I was outside of my time frame for a dispute which also doesn't make any sense given that this was escalated immediately after the transaction was made. I'm so frustrated because I did everything correctly as a consumer and provided evidence and am being told that it's not " good enough ''. | ||||||
| 08/12/2020 | Yes |
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Web | Older American, Servicemember |
| My wife as Social Security Representative Payee had control two Chase Bank Guardian Accounts where my daughters social security checks were being deposited for the past eight years. The bank has placed a hold on these accounts as of early XX/XX/XXXX after my wife sustained a XXXX XXXX and I requested to assume control. The bank says the accounts were not created legitimately. The bank has refused to release the funds to me as the current Social Security Representative Payee and legal conservator of my daughters Persons. The most recent Social Security deposits, ( including the last one with me as the Representative Payee ) were deposited in these accounts and are inaccessible due to the bank hold. The bank presently holds and will not release the funds for their deposited SSI and SSA payments as follows : ( Routing # XXXX ) XXXX Account # XXXX XXXX Account # XXXX XX/XX/282020 Stimulus {$1200.00} XX/XX/282020 Stimulus {$1200.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSI {$540.00} XX/XX/XXXX SSA {$670.00} XX/XX/XXXX SSA {$670.00} Sub Total SSA SSI - {$3600.00} Sub Total SSA SSI - {$3600.00} Misc. Deposits - {$490.00} Misc. Deposits - {$280.00} Total Account - {$4100.00} Total Account - {$3900.00} Since I am unable to access the funds, because the bank says I am not the Conservator of my daughters Estate, I have requested that the funds be released to my daughters directly who are the legitimate owners of the funds. The bank is requesting ( XX/XX/XXXX XXXX Action Needed : Please provide Letters of Conservatorship - Over Estate - these court certified documents will include who has the authority to open an account and what bank is to be used. Chase Banks position ( XX/XX/XXXX ) is as follows : Account as a Guardianship account. Upon review of the account we have found that per the Court Order Chase was not authorized to open the account. The Court Order states that the Conservator only has Conservatorship of the Person only. Please be advised that a hold has been placed on the account until an court order is received and reviewed. Court authority documents determine : o Guardianship type, which includes : Guardianship of the ward 's person only : Guardian is responsible for protecting ward 's physical person and well-being ( we don't open accounts for guardianship of ward 's person ) Guardianship of the ward 's estate only : Guardian is responsible for controlling and protecting ward 's monetary assets ( we can open accounts for these guardianships My response to the banks position ( XX/XX/XXXX ) : Your comments that we dont open accounts for guardianship of wards person is as full of holes as swiss cheese! 1. There are accounts which have been opened ( that should be clear to both of us ) 2. The Bank did open them because they exist 3. I have no other paperwork other than that offered to date 4. XXXX has been using the accounts for the past 8 years for the girls social security as representative payee. 5. XXXX and now I have been designated as Representative Payee for Social Security provided to my daughters 6. The funds belong to my daughters Based upon the above, my daughters should be able to come down and withdraw the funds with the proper identification? I do not want to become the Conservator of my daughters Estates as the bank is directing. There is an onerous accounting requirement in taking on such a task. The Social Security Administration does not require such a designation to function as Representative Payee. I have created two new accounts at another intuition using the Social Security Representative Payee Documentation and will act as the Representative Payee for future Social Security payments or until my wife recovers. I have notified Social Security about the XXXX payment going to the wrong account and they have taken action to request the return of funds and redirection to my new accounts. Summary Solution : I believe that the funds impounded at Chase Bank should be made available to my daughters who are the legitimate owners especially since the error in the creation of the accounts lies with the bank and not my wife or myself. This should be done without any new court documents required. Upon release of the funds to my daughters, the accounts at Chase should be closed. This is the only reasonable solution in light of the relevant facts. | ||||||
| 10/02/2023 | Yes |
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| Dear Sir/Madam, I am writing this letter as a long-standing customer of JP Morgan Chase Bank XXXX XXXX XXXX XXXX track record, requesting your urgent intervention in the matter of my credit card accounts ' unexpected closure. I have been banking with Chase for numerous years, maintaining XXXX checking accounts, XXXX personal credit cards, XXXX business credit cards, and a mortgage account, all with an exemplary payment history. In fact, to ensure I never miss a payment, I have all my accounts set up on auto-pay. XXXX my astonishment and subsequent dismay when my credit cards suddenly ceased to function, and my accounts appeared to be non-existent. The sensation of being left in the lurch was overwhelming. I have always held Chase in high regard, confiding in your financial services to help manage and nurture not just my personal finances but also my dreams and aspirations as an entrepreneur. This trust was shattered when I discovered my credit card accounts were abruptly closed without any prior warning. I am convinced this resulted from a technical oversight by the bank, leading to the closure of all my credit card accounts. I had opened a new business credit card for my XXXX XXXX XXXX XXXX XXXX '', anticipating the card to be automatically integrated into my all-in-one Chase login, similar to all my previous accounts. However, this did not occur, and no notification was sent out regarding this exception, making me unaware of the account 's balance. Unaware that this XXXX card had its own separate login credentials, it was impossible for me to set up auto-pay or manually clear off the balance, a lapse which was in no way a result of my negligence but a mere miscommunication and a technical oversight. When I reached out to your customer service, I learned of the unpaid balance of approximately {$450.00} on the XXXX XXXX card. The moment I was informed of the outstanding balance, I immediately paid the balance in full, a testament to my readiness and commitment to uphold my financial responsibilities. This entire unfortunate incident was due to a miscommunication and a technical error, not on any negligence or irresponsibility on my part. My unblemished XXXX XXXX and years of faithful payments bear testament to my reliability as a customer. I am a responsible homeowner and serial entrepreneur, consistently choosing Chase for my banking needs. I implore you to put yourself in my shoes. XXXX the shock, the disorientation of finding the financial foundation you've built over the years suddenly pulled out from under you. XXXX the hurt and disappointment when you realize that this upheaval is not a result of your own doing, but of a technical error. This mishap has deeply disappointed me, as I have always held JP Morgan Chase Bank in high regard, entrusting you with my personal and business financial needs. I find it disheartening that all my credit card accounts were closed without prior warning or efforts to reach out and resolve the issue, especially given my history with the bank. With this letter, I am not just asking for the reinstatement of my credit card accounts, I am appealing for empathy, understanding, and fairness. I am appealing for the reinstatement of my trust in Chase, a trust that has been deeply shaken by this incident. My impeccable credit history, punctual payments, and my commitment to maintaining my accounts efficiently speak volumes about my character and reliability as a customer. If this situation remains unaddressed, I am left with no other choice but to reconsider my future financial endeavors with Chase. It is a decision I would take with a heavy XXXX, given the years of mutually beneficial relationship we have enjoyed. In conclusion, I request your assistance in rectifying this situation, emphasizing that it was a mere technical oversight that doesn't reflect my actual banking behavior or history with JP Morgan Chase Bank. I ask you to view this situation not just as a corporate policy procedure but as a deeply personal issue that has greatly impacted my life. This is not merely a request but an XXXX plea for you to rectify this situation and help restore the faith I once held in Chase 's commitment to its customers. Thank you for your understanding and empathy. I anticipate a swift resolution that would heal the distress caused and allow us to move forward, restoring our relationship to its former trust and mutual respect. | ||||||
| 04/25/2023 | Yes |
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| Around XX/XX/2023 I tried to access my Chase personal account online and I couldn't do it. I got a notice stating my online access was restricted and I should call a XXXX #. I thought it was a mistake and maybe the page was down or malfunctioning, so I did nothing, thinking I would try back later... One or two days after that, I received an actual letter from Chase stating that my company 's account was also restricted. I immediately tried to access Chase online on the business side, and I noticed I had the same restriction notice and the same XXXX # to call... When I realized not only was I not able to access my personal accounts, but my company 's account had restrictions as well, I was extremely worried, because I have a lot of money in my company 's account. I wasn't sure exactly how much money I had because I only have online statements and I was not able to login .... So, I immediately called the XXXX # hoping to understand the problem. The person I talked to at Chase had not much to say, other than Chase reserves the right to close the accounts for any reason. He also said they don't need to give explanations on the situation because it's confidential and that Chase had the right to close the accounts because it was written in the fine-print when I opened the accounts. I told him that I couldn't understand why my accounts were being closed as I don't receive strange international wire transfers, nor I deposit cash or anything that might look suspicious. I just receive money from the same sources month after month, and pay my CCs and bills... He cared less and kept on saying the account was being closed and I didn't need an explanation other than the fact, it was being closed. If they had given me ANY notice in advance, I could have taken the money out, downloaded all the bank statements for my taxes, exported the vendors information and done several banking arrangements before they closed the account, but I was given no time for these arrangements... just the sudden realization I couldn't access online for both, personal and business accounts. Next step, I went to a Chase branch and tried to get my money back for both personal, and business accounts. The lady at the counter, ended up calling some XXXX # ( not sure if it was the same number I called, or not ) and talked to someone... Going back and forth, the person on the other side of the phone told the lady at the counter that I could ONLY get 50 % of the money on my personal accounts. I couldn't get my money on the business accounts because they would be sending that with a cashier 's check whenever they finalize closing my account. I was shocked! I wanted my money back in full for all my accounts, and Chase wouldn't give it to me! At the end, I accepted the 50 % of the money on my personal accounts, as I wouldn't want to leave empty handed, but I was very upset at the situation ( to say the least ). Up until now, Chase still has 50 % of the money on my personal accounts, and 100 % of my business account... I can only hope for this nightmare to be over and to get my money back. I can not say I hate Chase. The online platform is great. My mortgage is also with Chase... The limits I have on my credit cards with them are awesome, although I am now afraid of being rejected every time I swipe them. I am lucky to have other credit cards so I carry other CCs with me, just in case. What I do hate about Chase is the way they closed my accounts. No notice or any time to move my business somewhere else. All the automatic payments, the bill pay vendors ( automatic checks to my vendors ), all that gone and I still have no knowledge of the information about my vendors as I was never able to re-gain online access. Not being able to access bills online through e-bill means I would most definitely miss a lot of my next payments even when they were automatically withdrawn in the past from my Chase personal accounts and the fact I can not access the e-bills ( because I can not login to Chase ) means I don't have my vendor 's information. It's a mess and all that, created for the stupidity of Chase for not giving enough notice when closing the accounts. I should have receive one or two months ' notice, an explanation of the issue, and maybe an opportunity to offer any information Chase may require, before Chase making such a decision of closing my accounts. THAT would have been a nice way to close my accounts : ) | ||||||
| 11/02/2019 | Yes |
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| I have been a victim of a scam artist. Between XX/XX/XXXX and XX/XX/2019, I was trying to make a transaction with an individual who called himself XXXX XXXX XXXX and posted an ad about selling XXXX XXXX stereo amplifier on XXXX website. Seller and I agreed on the sale price of {$3300.00} including shipping from XXXX XXXX, CA to my home in XXXX, TX. I would pay {$2000.00} in advance so the seller shipped the merchandise. The remaining {$1300.00} I was to pay after I received the merchandise and checked it all out. We communicated over emails and the seller was able to answer very specific technical questions about the merchandise. He seemed to have a genuine reason for selling the amplifier. The seller claimed he did not have a XXXX account and insisted on a wire transfer. To assure me, he sent me a copy of " his '' driver 's license, his contact phone number ( XXXX XXXX ) and bank account information. The bank account was in his wife 's name ( XXXX XXXX XXXX XXXX ) and used the same address as on his driver 's license so I attempted to wire the money. The wire did not go through for some reason. I tried to troubleshoot the situation with the seller and with the bank but the seller was still unable to received the funds. Later, I tried to wire the money again 2 times unsuccessfully and, after that, 2 more times to an XXXX XXXX debit card account and to XXXX XXXX ( " his son 's '' ) business account called XXXX XXXX XXXX. The seller explained his son was adopted and kept his original family name. Neither wire went through so, finally, after 1 month of trying to complete the transaction, I was about to give up on this purchase. The seller eventually offered to wire the money to XXXX XXXX 's Chase Bank account on XXXX XXXX and that transaction did go through. The sequence of events is provided below. XX/XX/2019 : I wired money from my XXXX XXXX XXXX XXXX ( XXXX ) checking account to a XXXX XXXX 's Chase Bank account ( XXXX ) in the amount of {$2000.00}. The XXXX wire sequence number was XXXX. This money was the advance payment for XXXX XXXX stereo amplifier. XX/XX/2019 : XXXX XXXX XXXX confirmed he'd received {$2000.00} on his account. The funds were credited under REF XXXX XX/XX/XXXX : I waited for XXXX XXXX XXXX to ship the merchandise, but he kept delaying the shipment for one reason or another. XX/XX/2019 : The seller blocked my number ( verified with XXXX XXXX XXXX ) so was unable to text/call him. I notified him about that in an email and he responded quickly with an explanation about a family emergency and a promise to ship the merchandise in a few days. XX/XX/XXXX-XX/XX/2019 : The seller still did not ship the merchandise. XX/XX/XXXX-XX/XX/2019 : At that time, his ad on XXXX had still been active. After sending him an enquiry from another email account about his merchandise ( pretending as though I was another interested buyer ) and receiving a response from him, I realized he was trying to sell the amplifier to other people at the same time using the same scam scheme but using different sons name and bank account. XX/XX/2019 : As soon as I received a response from the seller to my imitated purchase enquiry, I reported the ad and the seller as potential scam on XXXX and made a post on the Forum there. XX/XX/2019 : After unsuccessful attempts to make the seller ship the merchandise, I requested a full refund via email. He responded with a promise to make the refund the next day. When I challenged him about him being a scam artist, he stopped responding to my emails. I tried to call him from different phone numbers, but he blocked each one of them. I have not received any response from the seller since XX/XX/2019. XX/XX/2019 : I filed a claim about the fraud with XXXX. XX/XX/2019 : I file a police report with XXXX Police ( Financial Crimes Division ph : XXXX XXXX ) for forgery/fraud. The case number is XXXX. The case was opened by officer XXXX XXXX. XX/XX/2019 : Contacted the real XXXX XXXX XXXX on the phone ( XXXX XXXX ) and informed his hed been a victim of identity theft. XX/XX/2019 : I received a negative response from XXXX who relayed the response from Chase Bank that they had been unable to contact the beneficiary. If this person can not be contacted they will not be able to return the funds. We are contacting the credited party to confirm credit to the beneficiary. We will reply at due course. No Indemnity to be counted. Regards XXXX | ||||||
| 07/01/2022 | Yes |
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| On Wednesday, XX/XX/XXXX, I got an email that the JP Morgan Chase was processing the change in email address I made to one of my accounts. I had not changed my email address. So I went to investigate. The account noted in the email seemed OK - except for a new, mystery email- but I still changed the password, etc. However, I went to look at my business account and found that 10 transactions had been made on XX/XX/XXXX totaling {$16000.00}. The transactions were ATM withdrawals and direct purchases at gas stations, wine stores, department stores, and XXXX. Additionally, there were another 10 transactions made on XX/XX/XXXX that were still pending and totaled {$17000.00}. One additional transaction for {$2900.00} was made at a tire store on XX/XX/XXXX AFTER I had contacted Chase. As noted above, the afternoon of XX/XX/XXXX when I noticed the activity, I immediately contacted Chase to create a fraud complaint. I then called again on XX/XX/XXXX when I saw the new charge made that day and essentially recreated the fraud complaint to encompass all of the errant transactions. I explained both times that as far as I was aware, the only Debit card for that account was in my possession and that further, I'd not left my home since running errands on XX/XX/XXXX and that security footage from the two points of egress from my building would show that. I work XXXX XXXX and am fairly self-contained. Additionally, I not only do n't drive, but don't even have a driver 's license so I would not be out buying gas and tires. I also pointed out to Chase that I had concerns that an unusual activity alert had not been issued given that I almost never used that card - in fact, the last transaction for that card before this series of transactions was a recurring ACH charge in XXXX of XXXX. And given the fact that Chase had rejected an e-check I scheduled to pay a colleague some time ago - twice - because they thought it might be fraud, but allowed this sudden and massive flurry of transactions to occur without question is troublesome. This week, I received a letter from Chase dated XX/XX/XXXX that in part says " We found that the transaction ( s ) was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time. Contact us if you would like to request the information we used for our research. '' I called to request that information, but as of yet have heard or received nothing. Notably, none of the correspondence they sent includes all of the fraudulent transactions. They did temporarily restore some funds which it seems they will now take back given their determination. It would appear that this entire situation falls under the consumer protections in the Electronic Funds Transfer Act, which states, " If a lost or stolen debit card is reported to the financial institution before any fraudulent purchases can be made, the consumer faces no liability. If a lost or stolen debit card is reported within 48 hours, the consumers liability for any fraudulent transactions is limited to {$50.00}. If a lost or stolen debit card is reported after 48 hours but within 60 days, the consumers liability is limited to {$500.00}. '' My reading of the above would indicate that my liability would be {$50.00} or {$500.00} depending on when the counting started. As above, I am also concerned that Chase enabled this extraordinary series of transactions, totaling {$36000.00} in the span of 72 hours on an account that historically has only been used to deposit checks, issue checks and XXXX quick pays, and make transfers ( to my personal checking account ( s ) ). And frankly, if I didn't know better, I would swear that a new debit card had been sent out ( the one I had on-hand was set to expire this month ), and it was intercepted. I don't know how someone was able to activate it and Chase is not answering questions about what PIN was used, etc. They've generally said that no new debit card had been sent out for this account prior to the one sent after I made the fraud report, but one representative slipped up an said one had been issued on XXXX ; he then said he made a mistake. But I've got it recorded as I have been recording my calls with Chase 's Fraud reps ( audio available at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) | ||||||
| 05/12/2023 | Yes |
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| This complaint is against JPMorgan & Chase Co. 's Chase Freedom Flex credit card for refusing to fulfill it's promotion of " 5 % cash back on grocery store purchases [ ... ] on up to {$12000.00} spent in the first year '' for opening a new credit card, which I did during the time of the promotion. By not fulfilling their promotion on my credit card, Chase is falsely advertising their credit card product. I applied to open a Chase Freedom Flex credit card during the time that Chase was advertising a promotion of 5 % cash back on grocery store purchases during the first year of opening the card. The advertisement read : " Earn 5 % cash back on grocery store purchases ( excluding XXXX and XXXX ) on up to {$12000.00} spent in the first year ( thats {$600.00} cash back! ) *, ** '' " This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. '' In the " Offer Details '', the advertisement specifies that the cash back would be earned in the form of Rewards Points. The " Offer Details '' also reiterates the exclusions for the promotion : " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' These were the only exclusions listed with the advertisement for the promotion. No other exclusions were included on the webpage of the advertisement, nor from any of the clickable links on the webpage for the advertisement. At the time I applied for the card, ( i ) I was not a current cardmember of the Chase Freedom Flex card, ( ii ) nor was I a previous cardmember who had received a cardmember bonus for this card in the last 24 months. Therefore, according to the advertisement, I qualified for the promotion. I applied online for the Chase Freedom Flex credit card on XX/XX/2023, expecting to receive the promotion. I applied for the card while the promotion was still being advertised. I was then approved for the credit card and my account opened on XX/XX/2023, which was also while the promotion was still being advertised. However, I did not receive the advertised cash back ( in the form of Rewards Points ) on my grocery store purchases. On XX/XX/2023, I made a transaction of {$35.00} from the grocery store XXXX XXXX. Chase listed the transaction under " Groceries ''. However, Chase did not reward me 5 % Rewards Points on the transaction. I was rewarded 1 % Rewards Points on the transaction ( which is the standard reward for transactions that do not qualify for bonus rewards ). On XX/XX/2023, I made a transaction of {$77.00} from the grocery store XXXX XXXX XXXX XXXX XXXX. Again, Chase listed the transaction under " Groceries '', but rewarded me 1 % instead of 5 % Rewards Points on the transaction. This trend continues to today XX/XX/2023. I still do not receive 5 % cash back on groceries. As recourse to the situation, I called Chase 's credit card customer service 3 different times. The 2 most recent phone calls were on XX/XX/2023 and XXXX XXXX, 2023. I called to ask Chase to resolve the situation by changing my account so I would receive 5 % rewards on groceries. Each time I called, the representatives told me that my account " does not qualify, '' but could not give a valid reason why my account does not qualify. During the most recent phone call on XX/XX/2023, the representative confirmed that I had opened my account during the period at which the promotion was running. However, they said I still do not qualify because the promotion " is not for [ me ] ''. This arguement is obviously invalid. I do not fall in either of the two ( i ) ( ii ) excluded groups for the promotion, therefore I qualify for the promotion. In other words, the promotion actually is for me. In summary : According to the advertisement, I qualify for the promotion. The Chase representatives also could not find a valid reason for why I would not qualify. Yet, Chase continues to refuse me the promotion that it advertises for the Chase Freedom Flex credit card. By refusing to fulfill the promotion, Chase is falsely advertising its product, which is illegal. My final act of recourse is filing this complaint against JPMorgan & Chase Co. 's Chase Freedom Flex credit card for false advertising of it's promotion and credit card. | ||||||
| 04/18/2022 | Yes |
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| On XX/XX/2022, at XXXX XXXX XXXX I received an email that someone logged into my XXXX account using the XXXX app on an XXXX phone. I thought this was suspicious since I only have an XXXX. I received an email at XXXX XXXX XXXXXXXX and an additional email at XXXX XXXX XXXX notifying me of 3 purchases with XXXX. I didn't check my emails until XXXX XXXX XXXX and thought this was a phishing scam so I logged in to XXXX directly using my XXXX XXXX app and was unable to see the purchases. At XXXX XXXX XXXX I logged in to XXXX using XXXX and saw there was in fact 3 fraudulent charges and they had used my Chase credit card for the purchase. At XXXX XXXX XXXX and XXXX XXXX XXXX I contacted Chase on their recorded line and notified them immediately of the fraudulent charges and requested a new credit card. I was unable to get a hold of anyone from XXXX until XXXX XXXX XXXX at which time I spoke so someone again on their recorded phone line and explained to them I did not authorize the purchases. The customer service representative assured me the purchases would be stopped as they were able to see the XXXX address locations and told me over the phone they did not match mine. I explained to them the packages show they are going to be delivered to my house and I didn't know why someone would do this. They explained to me the person was trying to see if they could use the credit card before making further purchases. I asked them to reach out to the sellers since the orders had not shipped yet and advise them not to ship them. I was advised if I do receive any of the orders not to worry, I could just refuse the shipment or write return to sender on the package. I sell on XXXX and know the frustrations and expense this will add to the seller and asked XXXX to prevent it from happening as the packages had not been shipped. On XX/XX/XXXX at XXXX XXXX XXXX XXXX sent me a notification they delivered a package at my front door. I looked around the front of my house and did not locate any package. I figured this was an error since I notified XXXX and had them cancel shipment. On XX/XX/XXXX XXXX XXXX XXXX XXXX sent me another notification my second shipment was delivered to the front door. Again I went outside and looked and there were no packages. These packages from XXXX said they weighed XXXX lbs and XXXX lbs so they shouldn't be small. I again assumed since XXXX told me they took care of it this was a mistake. I have had hundreds of packages delivered to my house and the only 2 in the last 10 years living here that went missing were the two fraudulent purchases makes me believe the person who fraudulently used my credit card was getting XXXX updates as well and picked them up or was the seller and never actually sent them. XXXX immediately closed my account after talking to them and I am unable to do anything with XXXX in regards to the missing packages as the seller has to initiate the claim. But I was prevented from contacting them due to XXXX closing my account. On XX/XX/XXXX at XXXX XXXX XXXX I received part of the first order in my locked XXXX mailbox. On this package I wrote " return to sender '' as advised by XXXX and returned it to the post office. The credit card charges where initially removed so i thought everything was taken care of until XX/XX/XXXX I noticed a recharge on my account for this billing cycle. I contacted Chase on XX/XX/XXXX at XXXX XXXX XXXX and they would not provide any information and stated it was sent to the fraud team who would send me a letter of finding. On XX/XX/XXXX at XXXX XXXX XXXX I contacted XXXX who again advised me the charges were taken care of and to advise Chase of the reference numbers which they already had. On XX/XX/XXXX I received a letter from Chase stating the findings are valid and the transaction will remain part of my balance. On XX/XX/XXXX at XXXX XXXX XXXX I contacted Chase and was hung up on. I immediately recontacted them and was advised the fraud department was closed and to call back tomorrow. These charges are fraudulent, I never received any goods, the only package I received I returned per XXXX XXXX instructions. Chase has not fulfilled their obligation to protect me from fraudulent purchases and XXXX has completely failed to perform and has since prevented me from being able to gather evidence, from my account. I have an impeccable credit history and pay all my legitimate bills without hesitation and on time. | ||||||
| 12/03/2023 | Yes |
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| On XX/XX/23 we received an expected email from our real estate agent, XXXX XXXX w/ XXXX XXXX XXXX stating that it was time to do the wire of purchase amount for the buying of a mobile home just under {$70000.00}. This email also contained the wire instructions. We had tried to verify the wire with them by calling multiple numbers but were only greeted with voicemails. We headed to XXXX XXXX Chase Bank branch. We spoke and dealt with XXXX XXXX, branches manager. about doing a wire transfer to XXXX XXXX XXXX. She stated that she has done buissness with them and that they bank with XXXX. We explained that we couldn't reach them and, major part of why we went in person, that we would like her to verify that it was in fact XXXX XXXX and to verify the info, address, phone # that was on the wire instructions to what was on file. She stated that she couldn't provide it to me, i said thats ok i just want you to verify it matches. And according to Federal law with wires over {$10000.00} it is an obligation of hers nontheless. She left to go get it approved, came back and wanted us to verify the routing and account number was entered correctly, if so to sign. it was, we did. she left again, came back and said that it had been approved and gave us a copy. we left. under the assumption she verified and all was good. We later on XX/XX/23 got a call from XXXX XXXX telling us that she would be sending us wire instructions from XXXX XXXX. We said we already got them and completed it, confusedly. She told us to immediately call the bank and to file a fraud claim as her emails were hacked and that email was not from her. So we did. We filed a claim at fraud and wire dept. And told them that we would supply them with names or phone numbers or whatever they needed. They never wanted a single one. They have denied us for the fraud saying that we profitted from it somehow. We have requested the documentation as to how they came to that conclusion and of the investigation and havent recieved anything. As far as the reversal of the wire it is still awaiting a response from the recipients bank, Being Chase Bank, so pretty much they are waiting for a response from themselves. That is the only thing they have done. I myself called the recipients bank Chase bank in XXXX, NY. Talked to the manager about trying to look it up and that he needs to check his messages. His ONLY concern is to how i got his direct phone number. And he told me he couldnt do anything to help me and asked very defensively and paranoid of how i got his direct line and stated he doesn't know what im talking about and cant help and he doesn't have any messages. We found out later that the money went to XXXX XXXX XXXX. and that they have absolutely no relation to XXXX XXXX. And that is one of the things i wanted XXXX to verify and we made that very clear to her. We finally got ahold of XXXX and told her what happened and reminded her that we had verbally told her who we were wiring the money to. XXXX told us all she did was enter the info exactly to what the instructions stated and that was it. And reminded us that we approved it. We reminded her that we can't see what she sees on her computer screen and that we signed because we trusted in good faith that she verified everything that we verbally expressed and everything on the instructions to what she had access to on file. All she said that she could do is try to esculate the claim for reversal. And everytime we call to check status or to exercise our rights, they transfer us to a different department when they can't answer our question or if we question their answer. Around and around in circles and nobody can answer a simple question as to why they are waiting for a response from themselves. The Wire Agreement states the recipients bank, not the recipeints bank branch approval to do a reversal. I believe and know had XXXX XXXX taken the steps to verify like requested and like the Federal requirements mandate her to do for domestic wires over {$10000.00}, that we wouldn't be in this situation and we would've been able to close on our purchase on the XXXX. But now our dream of owning a house is gone and we are financially not able to afford it. I just dont understand why she led us to believe that she has dealt with this company and that she verified it when clearly she did not or we would be in our new home. Thank you for reading and taking the time to help us. | ||||||
| 05/24/2019 | Yes |
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| On XX/XX/XXXX, I had gone in to open an account with XXXX XXXX for my son. I had forgotten my checkbook and had offered to pick it up since I live less than 5 minutes away. The banker who had opened the account had suggested that I did not need to go home and pick up my checkbook and that I could just do a transfer with my debit card, she did not mention any fees. She had told me to increase my limit and I had called Chase ( the bank which I am currently in ) to increase my limit on withdrawing from my checking account to the amount I wanted to put into the account ( {$55000.00} ). Chase had asked if it was for XXXX XXXX and I had said Yes, so they had done it for me for that day. At no point in time was there anything mentioned to me about a Fee that might be incurred through Chase as well. I had gone ahead and let XXXX XXXX open the account. Once the money was withdrawn I had noticed a fee of {$1500.00}, {$60.00} and {$60.00} that was incurred because of non cash atm. I realized XXXX XXXX transferred {$50000.00}, {$2000.00} and {$2000.00} into the accounts that I had opened with them and figured the fees were for that since it was on the same day. I had called XXXX XXXX about the fees, and they had told me that the fee was not charged by their Credit Union. So I then proceeded to call Chase about the fees, and they were able to reverse " {$120.00} '' for the two {$60.00} fees and had told me they could not reverse the {$1500.00} because it was too high and it had to go to upper level management. I then talked to XXXX XXXX, XXXX ( XXXX Branch Manager ) about the situation and he had told me that they are a Credit Union and that they had no way of knowing the fees of other institutions since they do not charge any fees at their Credit Union. My banker from Chase, XXXX XXXX ( XXXX Branch ) had tried to reverse the fee because he did not know about those fees as well and understands that it wasn't disclosed and it should have been, he had reached out to their back up office and I had received a phone call from XXXX ( ph : XXXX ext : XXXX ). She had stated to me that she will not reverse the money because it is not their job to disclose the fees and that if they do it for me they will have to change their policies and do it for everyone. She had also told me that their bankers, and the Chase representatives on the phone line do not all know about the fees and do not have to disclose the fees since it is not in their job duty. I had told her if they do not know about the fees, how am I supposed to know about it as a Chase Client? She then went on to say that it is disclosed on the chase account when you open a checking account. I have had Chase since Highschool ( about 20 years ago ) when it was WAMU, I do not go back and read fine print agreements everyday. If their own employees do not know about the fees, how am I supposed to know about it? A fee of that magnitude should have been disclosed to me in some way or another even if they had not known the fee amount. That had left a bad impression on me. If I had known that there was even a small fee, I still would not have gone through with the transaction and would have just gone home to pick up my checkbook. I have been a loyal customer to Chase and have pushed all of my money with them and it is upsetting that they charged me that ridiculous fee and did not tell me about it and would not refund me my own money back. I did not borrow any money, this is my own money from my own checking account, not a credit card that I am borrowing from. I, along with many others ( even people who work at Chase, apparently ) did not know about fees to withdraw your own saved money from your checking account. I had talked to XXXX XXXX about this, and they are putting in a new program and in service for all their employees to get trained on situtations like this that could arise from other institutional fees. Chase on the other hand, are doing nothing to help out with the situation, and only states that they cant refund me because they will have to refund everybody? That is letting me know that they want to charge ridiculous fees to people who do not know about the fees. It is not right. They aren't training their employees to disclose that their may be a fee if you pull out from your debit card. This is something that should be disclosed regardless. I feel like I have been tricked and they just wanted to take my money. | ||||||
| 04/02/2018 | Yes |
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| After having months of problems with errors on the part of Chase Bank, I decided I wanted to close my accounts. Unfortunately, I have a lot of automatic payments set up through my checking account and credit card so it was going to take some time, but I started by going into a local branch and attempting to withdrawal a few thousand dollars to begin the process of opening an account at another bank. I had my driver license and my credit card with me. The Bank Manager said that my signatures didnt match and refused to give me any money. This was from my savings account and I didnt even have the account number so it was the tell who wrote it on the withdrawal slip. It is now the beginning of XX/XX/XXXX, almost a month later, and I have been fighting with Chase, all the way up to the Executive Offices, to fix the problem and allow me to withdrawal my money. Weeks have gone by and they dont return my calls. When I call them, there is always some sort of emergency that has kept them out of the office. One person alone had XXXX one day, a few days later her mother supposedly passed away, and then less than a week after that her son was allegedly hospitalized with some deadly XXXX. During the last week of XX/XX/XXXXI had had enough and decided to file a complaint against the people in the Executive Offices because this seemed unbelieveable. I spoke with them on XX/XX/XXXX, Thursday, and said it was ridiculous that I cant access my money and that no one is calling me back ( oh and my credit card had expired and they wanted to charge me {$5.00} to send me my new card ). On XX/XX/XXXX, I logged into my account to see if my rent payment had gone through. While I was in my account, I saw the balance for my savings account, which I rarely use or monitor ( I never make payments from this account, only withdrawals or transfers to/from checking ) looked like it had approximately {$4000.00} rather than over {$20000.00}. I clicked on that account and discovered that on XX/XX/XXXX, a little over {$1000.00} had been used to pay a credit card that I dont have, XXXX XXXX Online Payment. Then on the final day, XX/XX/XXXX, that I communicated with Chase regarding filing complaints against the managers in Executive Offices, two more payments were made and labeled, XXXX XXXX Online Payment, one over {$10000.00} and the other over {$5000.00}. In total, they had stolen over {$17000.00}. I called Chase and XXXX kept referring to my checking account and simply said he would send a complaint form. He refused to give me an idea as to what would happen, when I would get my money back, what my rights are, etc. He even insinuated that I had allowed too much time to elapse before report it. WHAT? Almost alll of the money had been taken on Thursday and I was reporting it just a few days later on XXXX Sunday. I had really only missed one business day. Do you check you savings account daily? I tried to get information on who the money went to and he refused. I tried to get an estimate on when this would be resolved and he refused. I called XXXX XXXX and they refused to assist because I wouldnt give them an account number or social security number. I dont have an account with XXXX XXXX and I have NEVER had an account with XXXX XXXX. After what happened, I am NOT giving out my social security number over a cell phone. I am diligent about not giving it out EVER over the phone. I wont even let a doctors office make a copy of my driver license because I am so careful due to potential breaches and stolen identity. For anyone else with Chase, I would suggest that you get as far away from them as possible. I dont think it was a coincidence that I was not able to withdrawal my money, in person with photo ID, and yet someone without ID was able to steal all of my savings by sending it to an account that is not even associated with me. While both banks tried to argue that I might be on someones account and not know or not remember, what they dont know is that I had a credit check done this month that lists ALL credit cards opened in my name and associated with my social security number. XXXX XXXX does not appear anywhere and I can assure you that I dont even have a credit card with a high enough balance that such large sums would be needed to pay my credit card. I am disgusted with banks. I have lost time from work and I am completely distraught and do not have the money needed to pay my bills. | ||||||
| 05/24/2017 | Yes |
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| This credit card account exists ONLY for obtaining 0 % balance transfer/convenience checks. I am aware I pay a fee, but I do NOT make purchases on this card. The intent is to pay the entire balance off within the time frame. As of XX/XX/XXXX statement, I carried 3 balances on the card ( per page 2 of statement ). ( Total account due= {$6400.00} ) 1 ) XXXX, expiring XX/XX/XXXX 2 ) XXXX, expiring XX/XX/XXXX 3 ) XXXX, expiring XX/XX/XXXX On XX/XX/XXXX, I used a convenience check for XXXX, and was charged {$60.00}. On the XX/XX/XXXX statement, I carried 4 balances on the card ( Total account due=XXXX ) 1 ) XXXX expiring XX/XX/XXXX 2 ) XXXX expiring XX/XX/XXXX 3 ) XXXX expiring XX/XX/XXXX 4 ) XXXX expiring XX/XX/XXXX ( not sure where this came from, would think it would be XXXX ) On XX/XX/XXXX, I made a LATE payment ( due to the holidays ) of XXXX, which was to cover the XXXX. I expect I would have to pay a penalty APR for the 3 days I did not pay off that balance. However, the payment was misapplied entirely. On XX/XX/XXXX, I made another payment of XXXX On XX/XX/XXXX, I made a payment of XXXX On my XX/XX/XXXX statement, I was charged XXXX of interest, AND, my payment was not applied correctly because I still had a balance, and was now accruing interest on it. ( Total outstanding balance=XXXX ) 1 ) XXXX ( already expired, accruing at 13.74 % v, {$11.00} interest ) 2 ) XXXX expiring XX/XX/XXXX 3 ) XXXX expiring XX/XX/XXXX 4 ) XXXX expiring XX/XX/XXXX On XX/XX/XXXX @ XXXX, I called CHASE and spoke to XXXX, who transferred me to XXXX from the payment team. Although it took much explaining, they finally understood and stated they would need to send the info to the correspondence team, who would make adjustments to the fees and interest, and it would take up to 30 days for it to be resolved. On XX/XX/XXXX, I made a payment of XXXX On my XX/XX/XXXX statement, I was charged {$11.00} in ADDITIONAL interest, even though by now, the entire promotional balance expiring XX/XX/XXXX should have been paid off. The statement showed the following : ( NOTE : CHASE had not done anything at this point ) ( Total outstanding balance=XXXX ). 1 ) XXXX, ( already expired, accruing at 13.74 % v, {$11.00} in interest ) 2 ) XXXX expires XX/XX/XXXX 3 ) XXXX expires XX/XX/XXXX 4 ) XXXX expires XX/XX/XXXX On XX/XX/XXXX, I called CHASE again, and spoke to XXXX in customer service. She stated she read the notes and would transfer me to XXXX, and account supervisor and payment team specialist. Again, after explaining, she agreed that the payment back in XX/XX/XXXX should have been applied to the entire XXXX but was not, and it needed to be changed. She stated a case would be assigned to one person, who would follow up with me within 3-7 business days, but to wait 10 business days, and call the number on the back of my card with questions, or check online to see if any changes were made. On XX/XX/XXXX, I made a payment of XXXX On my XX/XX/XXXX statement, I was AGAIN charged {$7.00} of ADDITIONAL interest. However, CHASE had credited me the following interest charges : {$0.00} {$11.00} {$0.00} {$11.00} ( ( Total outstanding balance=XXXX ) My balances were as follows : 1 ) XXXX ( already expired, accruing at XXXX ( v ) ( d ), {$7.00} in interest ) 2 ) XXXX expires XX/XX/XXXX 3 ) XXXX expires XX/XX/XXXX 4 ) XXXX expires XX/XX/XXXX On XX/XX/XXXX @ XXXX, I called CHASE again, and spoke to XXXX. Again, I had to explain my problem over again, and 19 minutes later, she transferred me to XXXX, who was a manager in the payment team. I explained to XXXX, and she again agreed that I should no longer be paying interest, that it should be reversed, and I told her that all subsequent payments were also applied incorrectly. On XX/XX/XXXX, I made a payment of XXXX On my XX/XX/XXXX statement, I again paid interest {$5.00}. The total outstanding balance was XXXX. Breakdown was as follows : 1 ) XXXX ( already expired. accruing at XXXX ( v ) ( d ), {$5.00} of interest ) 2 ) XXXX expires XX/XX/XXXX 3 ) XXXX expires XX/XX/XXXX 4 ) XXXX expires XX/XX/XXXX Again, the payments, in excess of the minimum payment were never applied correctly, even after the interest was credited back. Today I will pay whatever is outstanding and expiring by XX/XX/XXXX, only so this problem is not once again compounded. I have been more than patient with CHASE, and need help in resolving this issue by an outside agency. Thank you. | ||||||
| 07/06/2021 | Yes |
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| Ive desperately been trying to resolve and remedy the confusion your customer service team is having in regard to my account and have yet to have anyone willing to help. Your bank has put a restriction on the account ending XXXX to where I CAN NOT log in to see what is going on. Nor will any representative release information on the phone! This is not ok! I work for the XXXX XXXX and know the legalities and laws pertaining to my rights within the consumer banking industry. If there is something going on with fraud and/or identity theft regarding the account, please advise as my CREDIT is at stake! The account is reflecting a negative $ XXXX. I have no idea why and no idea why there is a restriction added to the account! In the midst of this, I made a wire transfer to cover whatever charges and fees there is owing only to get it return as rejected! Along with a rejection from my XXXX XXXX XXXXXXXX XXXX automatic allotment from my paycheck. Please review the timeline of pertinent information on attached page and at your earliest convenience, please call me at XXXX to discuss further as I would like to rectify this as soon as it convenient for you. I have included Officially Notarized documentation of my Identity in lieu of driving literally 2 hours away ( from my home ) to XXXX, NY. ATTACHMENT XX/XX/21 - Opened checking account online, was offered {$200.00} free, for opening the account if I followed their instructions by making a {$500.00} electronic deposit from my paychecks ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I did and they deposited the XXXX. It then said I must use account a minimum of 5-10 times per month to avoid checking account fees. Used account with no problems. XX/XX/21 -Tried logging into account online - account locked figured I typed in wrong password, will try again next day. Next day tried again, same thing. being XXXX and bank is closed, Will call bank to get unlocked. No emails, texts, or letters received regarding account. XX/XX/21 - Received letter in mail stating " You can not use your account, and we will close it soon now Im concerned, wondering what is going on and still no emails/texts to inform me. Called XXXX per instructions from letter, XXXX answered and stated I needed to verify my identity by going into a local branch to show my social security card. I was shocked to say the least, as the nearest bank was 2 hours away! She gave me the tel XXXX. I tried asking more questions on why this happened and all she did was refer me to the 2hr away local branch. She did state the account was negative XXXX and something dollars. Now Im XXXX XXXX as I know I do not let my accounts go NEGATIVE ever and if it got even close to that I would have made a deposit right away, just as I do with my other accounts! XX/XX/21 Called XXXX, NY Branch spoke to XXXX, explained that their customer service is asking me to go to nearest bank to verify my identity. Explained that ( XXXX, NY ) nearest bank is literally 2 hours away and with COVID that this wasnt feasible, nor beneficial for me. She gave me XXXX to call and explain circumstances to see if another alternative was available. Called XXXX #, spoke to XXXX and he said the bank needs my social security card and ID to scan into system. 2nd phone call to the 2hr away branch, spoke to XXXX, Branch Manager and tried to get details on the negative account, He was unable to provide details and that I could take care of it when coming to bank. THIS IS ABSURD.. AS IM UNABLE TO LOG INTO ACCOUNT TO VIEW DETAILS. I am not driving 4hrs ( to and from ) to take care of this. If the attached OFFICIAL documentation is not accepted, I WANT THE ACCOUNT CLOSED PER MY REQUEST and a statement mailed to my home address of the account charges and any bank fees that were added. Now, I feel as though, this supposedly FREE {$200.00} was a bait n switch scheme to entice people like myself to sign up, especially in a pandemic! I am asking for a FULL investigation into their consumer banking practices, their advertising practices and finally their consumer privacy practices. XX/XX/21 My XXXXXXXX XXXX XXXX paycheck automatically sends {$50.00} to the account and that has been rejected as of XX/XX/21 XX/XX/21 Wired XXXX to the account and it was rejected as an INVALID Account! XX/XX/21 Drove to XXXXXXXX XXXX in XXXX, NY and had them notarize my identity, and mailed out letter via certified mail XXXX. | ||||||
| 12/08/2020 | Yes |
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| Mr. XXXX in XXXX opened an account with JP Morgan Stanly Chase Bank ( Chase ) for the purpose of receiving direct deposit through a former employer XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX. It is undisputable that at this time period ( CHASE ) had a financial institution located at XXXX and XXXX which is where MrXXXX XXXX opened a banking account. However, Mr. XXXX in around about the end of XXXX visited Chase Bank located at XXXX XXXX XXXX, XXXX, XXXX XXXX to open a banking account and inquire about products i.e., secured credit cards. Nevertheless Chase refused to allow Mr. XXXX to open an account attributed to suspicious activity from XXXX. Subsequently, attributed to the mishandling of information by the XXXX XXXX XXXX Mr. XXXX private email account was spear phish leading to misappropriation and violation of privacy rights. In addition, because of the mishandling of information Mr. XXXX was schemed resulting in a forged instrument being cashed unconsciously. Consequently after realizing the provocation which was taking place behind the scenes Mr. XXXX filed a security freeze through XXXX XXXX given the adverse action taken against Mr. XXXX as a result of fraud. Subsequently, after placing a security freeze attributed to identity theft, Chase Bank sent communication offering Mr. XXXX free identity monitoring tools even though no allegations were alleged against the financial institution. Moreover, the financial institution mentioned motives associated to a complaints filed against the XXXX XXXX XXXX which resulted for spear phishing. Furthermore, it is believed that Chase Bank and XXXX XXXX XXXX conspire against Mr. XXXX to deny him the opportunity to establish credit worthiness. Furthermore Chase refused to allow Mr. XXXX the right to utilize its service even after Mr. XXXX attempted to bring the account in to good standing. Chase despite the suspicious activity filed to provide the consumer with a the reason in writing under the ( FCRA ) concerning its decision to allow Mr. XXXX to utilize its product. In addition, the financial institution determination for denying access to bank service was to disallow Mr. XXXX access to credit building tools given the policy change which emphasizes access to credit tools is now based on the consumer having a banking account. Because the consumer can no long access an account with the financial institution certain credit tools can no longer be accessed. As an XXXX XXXX once being ignorant of the financial institution it is a travesty that XXXX-XXXX can utilize these banks to store their money for the utilization of funds at the banks capricious will just to have those funds available for others of a different classification to employ at their disposal while other uneducated individual or unaware of the opportunities these tools create. Furthermore the real predator and criminals subterfuge the process of certain individual clandestinely being in possession of private information. It is believed that Chase bank is partly responsible for the spear phishing which led to Mr. XXXX unfortunate circumstance. Nevertheless, Chase Bank possessed the power to file criminal charges for depository fraud but filed to pursue those options, but instead affiliates of Chase being held to a higher standard used identify theft to disqualify Mr. XXXX. It is evident how these institution have been established over four hundred years of compensation thus if the bank is concerned about anything it feels occurred, the the matter should have been handle jurisdictionally instead of being handled subtilty. It is evident that these institutions deny XXXX XXXX the same equalities that enjoy. If the institution is keeping records then reparations from 400 years of forced labor then should be exacted. It is highly incredulous that people working in these institutions or even high level officials misappropriate information and process behind closed door to deny people of a certain race an opportunity to redeem themselves. In fact the very foundation of this country was built on a XXXX of mercy nonetheless for the love of money revenge is exacted without justification. In conclusion MrXXXX XXXX reputation has been diminished and denied the same equalities as other. It is believe these actions were taken because of race, color, and religion [ sic ] has suffer grave injury because of the actions of Chase. Thank You | ||||||
| 09/05/2018 | Yes |
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| My partner and I have had a dispute over a charge on my chase credit card from XX/XX/2018. I contacted chase the day the charge went through, and they have, throughout the entire process " lost '' or not received paperwork. Today, when I called chase, they informed me that they had closed the dispute becuase I had not responded or had taken too long to respond to their documentation. Here is a timeline of events, to the best of my recollection, since XX/XX/XXXX. My partner and I ( whose name is on the credit card with chase ) entered into a contract with XXXX XXXX XXXX whereby they agreed to fix our roof. 2. XXXX XXXX XXXX informed us they had performed under the contract and asked for full payment. 3. We noticed XXXX XXXX XXXX had NOT fixed the flashings by the chimney and had not sealed them, as required under the contract. We contacted them, and they came out to fix the problem. They emailed us pictures. 4. We forwarded those pictures to XXXX XXXX, of XXXX XXXX XXXX. She said, based on the pictures provided ( which displayed some portions of the roof, but not all portions of the roof, and which mainly focused on the chimney ), it looked like XXXX XXXX XXXX had completed the work. Accordingly, we promptly submitted payment in XXXX. 5. The same day that we had submitted payment, our pest guy from XXXX XXXX XXXX was on the roof of our house and told us that there were large holes in our roof to wall areas under the dormers. He told us that the holes were so large that water would pour into the attic space. He told us it was the worst roofing job he had ever seen. 6. We tried to cancel the payment to XXXX XXXX XXXX, but Chase advised us that the payment couldnt be canceled, and we had to dispute the charge. 7. We promptly opened a dispute with chase, in which we included pictures SHOWING the holes in our roof, and in which we included a contract showing that XXXX XXXX XXXX had contracted with us to repair those holes. We also explained the timeline documented above. 8. XXXX XXXX XXXX responded to that dispute, citing the statements by XXXX XXXX. XXXX XXXX XXXX NEVER substantively disputed that they had performed the work. Their compilation of documents was difficult to decipher and indicated a severe lacking in professionalism ( note a comment in the file noting that we could bring it on if we wished to dispute the charges with them ). 9. Chase contacted us and asked if we continued to dispute the charges. We indicated that we did. Chase informed us that it was siding with XXXX XXXX XXXX because of XXXX XXXX XXXX reliance on XXXX XXXX opinion, whom Chase deemed an expert. Chase advised us to reopen the dispute and include letters from an expert. 10. We reopened the dispute on XX/XX/2018, by attaching a letter from XXXX XXXX and a letter from XXXX XXXX. 11. When I called Chase on the XX/XX/XXXX, Chase indicated that it had closed the dispute because it had not received any documents. Chase indicated that it did not have the letters from XXXX XXXX and XXXX XXXX. Chase advised me to resubmit the letter via fax and call to confirm receipt within 24-48 hours. I did that that day. 12. On XX/XX/XXXX, I again called Chase, to confirm receipt of the above-described documents. Chase indicated that it did not have record of the fax, but that it DID have the XXXX letter and the attachments from Mr. XXXX and Ms. XXXX. Chase said that it had again closed the file. Chase said I could reopen the file by sending another letter. Chase indicated that it did not think Mr. XXXX was an expert ; Chase did not explain why it had disregarded Ms. XXXX information, especially given she was the expert on whom it had relied in closing the file in XXXX XXXX XXXX favor in the first instance. 13. ON XX/XX/XXXX, I submitted another hard copy letter reopening the dispute with chase. 14. Since then, I have submitted a number of secure messages through their website requesting updates on the dispute. I have gotten the response that they are investigating and will let us know when they have more information. I got the same form letter in the mail. 15. Today ( XX/XX/XXXX ) I called chase, and they informed me the dispute was closed because I had not responded in time to their requests for information and it was too late to do anything else. 16. I researched this online and apparently a lot of people have this issue with chase " loosing '' or not receiving information. | ||||||
| 05/05/2018 | Yes |
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| XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom It May Concern : I recently applied for the Chase Sapphire Visa Rewards card. I was very disappointed to understand my request had not been approved. However, I was confused and angered to see the reasoning as it is simply not true. 1. Too many recent requests for credit or reviews of your credit Currently, I have 2 hard inquiries on my XXXX report. 1 for my car lease back in XX/XX/XXXX and another for a simple balance transfer XXXX XXXX card with a {$500.00} limit since that was the only card I could get. On my XXXX report one of the inquiries is for our cable/internet through XXXX. I mean that is RIDICULOUS and should hardly be considered a reason for declining me based on too many reviews of my credit. The other was for my apartment which I share with my girlfriend so both our credits were checked and were fine. Therefore, there has been 2 legitimate requests in the past two years, so that hardly qualifies as too many. 2. Length of time since oldest credit card was opened is too short This makes no sense to me as I know plenty of people who requested this card as their FIRST EVER credit card and got it. So clearly this is just some nonsense reason for declining me. In addition, my oldest account is almost 9 years old, so that hardly qualifies as too short. People dont get credit cards until they are 18 so how does a XXXX-year-old get a credit card? Their oldest account would only be 3 years old, so by that logic no XXXXyear-old should get a credit card. In addition, my girlfriend was just approved for this same exact Chase Sapphire card and her oldest account is 8 years old which is shorter than mine. So clearly this is another nonsense excuse for declining me. 3. One or more accounts have not been paid as agreed. This is just flat out false. According to my XXXX, XXXX, XXXX and XXXX reports EVERY SINGLE ACCOUNT is current and in good standing. So that is a false accusation that my accounts have not been paid as agreed and yet another nonsense excuse. If we look further at the letter I received it says my credit score is XXXX. Thats interesting because I just recently paid for my XXXX score and rechecked it today, in addition to my XXXX and XXXX reports and they are all WELL ABOVE XXXX. XXXX = XXXX ; XXXX = XXXX FICO = XXXX My XXXX score is directly from the XXXX website where I have an account. Furthermore, a friend of mine recently obtained this same Chase Sapphire card with a credit score of XXXX. My score is nearly 100 points higher than that, yet I am being declined. You cant do that. That is not fair and prejudicial to me. The only debt I have is student loan debt, which I am current on and make all my payments on time. I need to raise my credit score however which means I need a credit card. Otherwise, I will not be able to live a normal life or have a future. How do you expect me to get a house/mortgage? Am I just supposed to rent forever? That doesnt seem fair. I do everything correctly and I took out student loans to pay for my education since I am actually smart and used my brain. Now XXXX, Chase and everyone else is punishing me for getting an education. It is absolutely ridiculous. My credit score is above average and yet I keep getting declined for credit cards. I would like to build my credit and build toward my future. You are holding me back for no reason. Please issue me the credit card so all parties can put this issue to rest. I would like to speak to someone who handles this and also submit a formal complaint if I am not issued the card within the next 10 business days. I demand a response by next week. I will send it certified mail so I keep a receipt. If I am not responded to, I will take immediate action and notify the proper agencies of these false accusations which directly led to me being declined for this card and I will collect damages. You have listed false information about my credit which is illegal. I have attached screenshots of the letter I received from Chase Bank, my credit scores from XXXX, XXXX and XXXX through the XXXX website, and my hard inquiries which show one of them was from XXXX which should NEVER be allowed to request your credit and the leasing off we used for our apartment. Also, a screenshot showing the age of my oldest credit card account at 8 years 9 months. Thank you . Respectfully, XXXX XXXX XXXX XXXX | ||||||
| 12/29/2022 | Yes |
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| *********************** REVISED COPY ( XXXX ) ******************* XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX ___________________________________________________________________ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXX of Records : Attached you will see a notification received through XXXX XXXX Service regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the Department of the XXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their XXXX C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. XXXX XXXX XXXX and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with XXXX XXXX XXXX. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to Chase XXXX XXXX, XXXX. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : Records Internal Revenue XXXX IRS ) Certified Public Accountant ( CPA ) Legal Counsel of Records | ||||||
| 02/06/2021 | Yes |
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| I tried to dispute billing errors in the amount of {$750.00}, {$750.00}, {$750.00} from XXXX XXXX and {$1000.00} from XXXX on my Chase credit card account. The amount is inaccurate because both merchants, XXXX XXXX and XXXX, cancelled my flights. The Merchants did not hold up to their end of the deal by cancelling the flights, and thus failed to provide an agreed upon service. I kindly requested that Chase, my bank, correct the error, and that any finance and other charges related to the dispute amount be credited as well, and that I receive an accurate statement. I am shocked and disappointed to be writing this today. After more than 10 years of being a loyal Chase customer, I have received the most disrespectful and appalling customer service experience of my life. I first filed this dispute in XXXX, and after not hearing back from Chase in over a month I called in to check on the status of the dispute. I was immediately met with rudeness and aggression. The representative was ignoring every question I asked and told me that my claim had been denied. Not having heard anything up until that point, I was shocked and politely asked why I am being held liable for services not received when under US regulations a full refund must be made for cancelled flights in these circumstances. She would not provide me with a clear answer and was speaking down to me, and at times scolding and belittling me. The only answer I received from her was that Chases policy prevents me from getting a refund. I then explained to her that Chases policy can never be contrary to the law. The Department of Transportation order overrules any of Chases policies. The woman hung up on me. Someone with such poor people skills and a lack of common courtesy should not work in customer service. Unfortunately this was not an isolated incident. Since the beginning of my dispute I have made over 100 phone calls to Chase, I have sent in eight piece of letter mail, I have went to a Chase branch and had them fax over documents three times, and I also sent two E-Mails to the dispute department. Countless times I have been hung up on and talked down to. I am humiliated and incredibly angered by Chases behavior and handling of the dispute. I find it hard to believe that Chase would knowingly employ such rude, abrasive, and unprofessional representatives. I dont know if Chase encourages their customer service employees to behave in such a manner, but I find it completely unacceptable and unprofessional. Up until now, Chase has only credited me for two of the XXXX XXXX tickets, each one {$750.00}. I purchased three tickets from XXXX XXXX, all three tickets were for the same flight and I made sure to include all three in my dispute. I was confused that Chase would only credit me for two of my flights and not the third one, because they were for the same flight that had been cancelled. I called in and asked why this was case and was told by three separate representatives that I was denied a credit back for one of the airline tickets because I never responded to Chases mail. This is false because on XX/XX/XXXX I sent an E-Mail to the disputes department in response to the notice I received. The notice said that Chase would not credit me back because XXXX XXXX claimed that I had cancelled the flight. I sent them an E-Mail containing an attachment from XXXX XXXX that clearly shows all three flights being cancelled. Soon after that Chase credited me for two of the flights, so its entirely untrue for Chase to say that I never responded because my response is the reason Chase gave me a credit for two of the flights. Unfortunately, Chase denied my dispute for XXXX. Their explanation was that too much time had passed since the date of purchase.However, this explanation is inconsistent with the fact that Chase did credit me for two XXXX XXXX flights, which I purchased at the same time. Its confusing when XXXX doesnt follow their own standard. Fortunately for me, after filing a dispute with the Department of Transportation, XXXX swiftly sent me an E-Mail apologizing and letting me know that they will be returning my money to the original payment form. I am grateful for the U.S. Department of Transportations help with getting me what is my rightful money back, and disgusted with the complete lack of help from both Chase and XXXX as well as their unwillingness to play by their rules. | ||||||
| 02/05/2019 | Yes |
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| I received a text message on XX/XX/XXXX, around XXXX, from Chase services saying that they felt a fraudulent charge was just added to my credit card. As I was at work, I was able to step in the back, check my account, and call Chase within the hour of being notified. The charge was from XXXX XXXX for {$460.00}, and the representative on the phone told me this purchase was for the music company XXXX meaning no physical items were involved. I verified that I did not make this purchase. I was informed that as this charge was just placed and pending, I would not need to take further action, such as report, as it was cancelled immediately. They told me to cut up my credit card, and a new one arrived in the mail 5 days later. On Monday, XX/XX/XXXX, I received voicemail from a man named XXXX claiming to being with Chase and asking me to call him. When returning his call, the phone went straight to voicemail and the message said the voicemail was full. As this was during normal business hours, I contacted Chase to ask them about this call, and then told me there was no report of anyone trying to contact me. They advised this was a phishing scam, and that I should block the caller/ delete the message. On Saturday, XX/XX/XXXX, I checked my bank account, and I saw the purchase reposted. I called Chase on Saturday, and they told me no one was available in the Recovery Team and to call back on Sunday. I called Sunday, and I was told the same message. On Monday, XX/XX/XXXX, I called and spoke with XXXX at XXXX. He told me that due to the investigation, they did not believe that charges were fraudulent, even though they notified me of the charge initially. I was upset and expressed that I wanting to fight this investigation. He told me that I would need to go to USPS and ask for a copy of all packed that have been delivered to my home. I was then to fax it to Chase. I expressed that as I was XXXX and already notified Chase, I did not think it right that I need to prove my innocence as they was putting a physical stress on me. In the afternoon, on my lunch, I drove to the post office. The employees at the USPS told me this was impossible and no such record was kept. I then left the USPS and immediately called Chase. I spoke with a woman named XXXX who shared with me that I should have been notified of my right to an appeal ( which I was not ). She told me she would place a request for a second level of review. I asked why I was not contacted over this issue. She told me I was on Monday, XX/XX/XXXX, and I explained to her that Chase told me that was phishing. I expressed my concern over Chase being able to contact me when I am passed around and given different answers depending on who I spoke with. Our call was disconnected, and when I called back, I spoke with XXXX. I shared with her that I called immediately, and as the charges were pending and never went through, I did not understand how Chase could say I was responsible for the charges. She agreed. She told me the merchant was for a clothing company in which 3 sweatshirt and 1 backpack was purchased. She told me the only reason I was charged was the clothing company had my address as the location to delivery. I explained I never received a package. I asked for information about the merchant so I could call them. She told me she did not have a phone number, email, tracking number, or address. I asked how there was an investigation if they had no information. XXXX shared that the investigation included sending an email ( which she could not see ) to the vendor questioning if a purchase had been made. The vendor said I did, and that was what held me responsible, even though they did not provide a tracking number or proof of shipment. I told her I could not even find this vendor online so how could it be verified as trustworthy? After she looked further, she said the website was a company called XXXX XXXX in which individual merchants can post clothing items they make. Again, I questioned the validity of this. As I tried to find this site online, I was told I need an account to sign in, which I did not have. There were also multiple websites sharing this is a scan website, and that other people had similar experiences to mine. I told Divine I needed all additional merchant information as I was filing a police report and a CFPB. She shared there was nothing else she could see from the account. | ||||||
| 01/08/2019 | Yes |
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| I previously submitted 4 disputes back on XX/XX/XXXX All disputes were opened at the same time, all for the same reason and all from the same company XXXX who used several different names and URLs to run a fraudulent business. Disptutes are as follows : XXXX on XX/XX/XXXX for {$7000.00} XXXX on XX/XX/XXXX for {$10000.00} XXXX on XX/XX/XXXX for {$1800.00} XXXX XXXX on XX/XX/XXXX for {$3500.00} Initially all disputes were opened for the wrong amount by your company, I won cases, you took away credits and reopened for a pro-rated amount. From the documents you sent back to me I feel me case has been misrepresented by your department for several reasons but the biggest is the merchants response to your company. Upon further review of the letter sent to you by the merchant it is hard to believe it has been used against my dispute cases. I am asking that the merchant letter be dismissed from both dispute cases for the many reasons I am going to list below in addition the attachments I am sending you offering proof of my claims. Even just a quick visual analysis of the contents of the document supposedly delivered by the merchant reveals numerous elements. 1. The document was not composed upon the merchants logo-bearing stationary. 2. The document possesses no date specifying when the document was composed. 3. The document possesses no address identifying from where the document was mailed. 4. The document possesses no telephone number to be used as evidence that the document was faxed rather than mailed to the dispute center. 5. The document possesses no name indicating the identity of who composed the document. 6. The document possesses such poor and flawed wording as to be unintelligible overall and certainly paints a clear picture that the document was not composed and released by any genuine merchant. For, if the document had been composed and released by any genuine merchant, the writing would be professional, error-free, and easily readable. 7. The documents verbiage contains the wrong date regarding when my association with the merchant began. If the document were legitimate, the accurate date of when my association with the merchant began would have been utilized. -See attachment for proof of incorrect date and even year. 8. The existence of a document-building computer-systems database node number in place just above the leftward region of the documents first paragraph. Please see attached proof that the date of services is incorrect not to mention that the first purchase date on your credit card was not XX/XX/XXXX but XX/XX/XXXX and also that the services purchased have not been received or delivered as guaranteed. I will reattach the XXXX XXXX XXXX XXXX Page 1 that states in Section One, Event and Product Highlights that Lifetime Access to the program. You will also find a complete list of services not provided from merchant. In your documents sent back to me, number a-d, the training and coach stated to talk about the life you dreamed of. Just to add onto the lies that XXXX told. One of the biggest selling points that XXXX used was that you need no previous experience, listen to us and we will do everything for you with our Done-For-You business model. This business model consisted of teaching us how to tell stories about our dreams. I had invested over {$60000.00} into XXXX with no previous experience so I listened to what they said. This also should not be held against my case since as you can see XXXX offered no real training and a ton of lies. This blog has been shut down and just gets added to the additional thousands I spent on marketing with XXXX, Blogs, XXXX and everything else that they had us do. Spend, Spend, Spend that was the motto of XXXX. As soon as you joined XXXX they had you investing in an email responder, XXXX XXXX and other programs. You where never told what they were for, only that you needed them. As far as the XXXX XXXX system goes your coach shared funnels with you. Well guess what that costed me a ton of money as well since they never explained anything all the disclosures that they shared were wrong and fraudulent and also got many of my marketing accounts shut down. The list of lies is endless with XXXX and the fact that your company dispute center allowed this bogus merchant letter to be used against my case is disturbing and unfair to my case. Thank you XXXX XXXX | ||||||
| 11/25/2017 | Yes |
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| My father XXXX XX/XX/XXXX and had a CD at Chase Bank which was to be split between my brother and I. My father 's lawyers sent an electronic copy of the XXXX XXXX to Chase Bank so they would have instant access to it. My brother and I were told the account number and to go to a Chase Bank and have 2 forms of id and that we would receive our money. I live in XXXX XXXX, my father lived in XXXX, as does my brother.There are no Chase Banks in XXXX XXXX. I had business to take care of in XXXX XXXX so I flew into XXXX XXXX XXXX on Monday XX/XX/XXXX. On Tuesday XX/XX/XXXX I arrived at the XXXXXXXX XXXX Chase Bank to collect my money. I was told by the employees that they could n't turn any of it to cash or cashier 's checks. I argued with them, various bank employees said I just needed to put it into a XXXX XXXX XXXX or some other existing bank account and then it would be a 3-7 business day hold, and then I would have access to my money. At one point in time, one of the employees or manager started discussing XXXX banking law - that has nothing to do with their obligation to hand over my money. The Chase Bank employees did agree that my father 's XXXX XXXX along with instructions that I and my brother would be collecting our money were accessible and they were able to see and look at that online. So after a long argument with several employees, I told them I was n't leaving until I got my money. So then the cops were called. Only after the cops showed up and told the bank to give me my money did I receive 2 cashier 's checks. I had used one cashier check to do my business in XXXX XXXX. Upon arriving home in XXXX XXXX, I still had no access to my cash as it was in the form of a cashier 's check, and still no Chase Banks in XXXX XXXX. So I went to XXXX Chase Bank ( XX/XX/XXXX,XX/XX/XXXX ) and had more trouble. Chase Bank first said they could n't find a record of the cashier 's checks issued in XXXX XXXX branch but they did find my father 's XXXX XXXX. Their attitude at the bank was just deposit into an existing bank account or open a new account and have a 7-10 business day hold. So I asked them if Chase Bank in XXXX XXXX gave me a fake cashier 's check and they said they did n't think that was the case. Several employees were trying to find a record of the cashier 's check I had and said they could n't find record of it.I went to several banks in XXXX and no one would cash my Chase Bank cashier 's check. Finally I went to XXXX XXXX and deposited my cashier 's check into a new account and had to wait 7-10 business days for my money. Chase Bank had no right to refuse to give me my cash when my father 's lawyers had given specific instructions to Chase Bank AND had even filed my father 's XXXX XXXX online so Chase Bank had instant electronic access to it. The ONLY thing Chase Bank did correctly was agreeing they could and did pull my father 's XXXX XXXX online. They were supposed to give me my money I was legally entitled to in any form I wished. All the Chase Bank employees attitudes were very nonchalant and we told them in XXXX that we were going to file complaints against them with the OCC and with you. XXXX at the XXXX Bank said " Fine, go ahead ". The bank 's know a cashier check is the same as cash and no bank will issue a cashier 's check if the money is not free and clear. I have finally gotten full access to my money but Chase Bank, nor any of the other banks in XXXX, followed the rules. I had id on me, and when I was in XXXX I even had my birth certificate on me, yet no one at any of the banks would cash my cashier 's check for me, not Chase Bank or any other bank. I want some very strong action taken against Chase Bank, not my fault there are no Chase Banks in XXXX XXXX where I live, I find it strange that Chase Bank could find and have access to the online death certificate and instructions but they still refused to do what they legally are supposed to do. I only was able to get cashier 's checks the first time in XXXX XXXX because the cops showed up. This is wrong on so many levels, the banks need to be reminded of the legal rules which they are to operate under. I find Chase Bank 's actions dispicable, they have no right to hold my money by way if their lying tactics, or by stating that I was n't in the right state, or that they could n't find the records. I would like some VERY strong action to be taken against Chase Bank. | ||||||
| 08/14/2022 | Yes |
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| This is a complaint directed at Chase XXXX. On XX/XX/XXXX I used my Chase Sapphire Preferred credit card to book plane tickets through Chase XXXX using Chase XXXX XXXX XXXX. The total for this transaction was {$1300.00}. During the trip, I could not make the return flight home due to Covid restrictions in the country I was staying in. I called the Chase XXXX help desk to change my flight and was told due to it being less than 8 hours until the flight, that they could not change the ticket for me. Instead, what they told me to do was to book a flight directly through the airline, and that they would refund me an amount of {$780.00}, the cost of the return flight. They also told me that in order to process the refund that hey would need to charge me a {$320.00} fee due to not having travel insurance. I paid this {$320.00} with a separate Chase credit card on XX/XX/XXXX. I was told that this refund would take 2-3 billing cycles to show up on my statement. I waited 2-3 billing cycles ( should have been no later than XXXX ) and this refund never showed up on my statement. XX/XX/XXXX - I called the help desk to check the status of my refund. The representative told me that the refund had not been processed yet, but that he would send it directly to the accounting department to be processed. He assured me this refund would show up on my statement in 15 days. He would not send me an email confirming this. XX/XX/XXXX - Well after 15 days later, the refund never showed up on my statement. I called again to check the status of the refund. The representative told me again that the refund had not been processed and would fast track my ticket to get the refund sent to me in 7 days. XX/XX/XXXX - The same representative from the last call left a voicemail on my phone telling me that the refund had been processed and that the ticket was being closed. I checked my statement after I listened to the voicemail, and there was no refund. I checked every day for a few days and there was nothing each time. XX/XX/XXXX- Fed up with how I was being treated by Chase XXXX, I called the actual Chase credit card customer service line to ask if they could see if there was any refund sent or if the refund was processed. The representative let me know that there was nothing on his end and that no refund had ever been processed. This representative also told me that they should not have charged me {$320.00} to process this refund since the credit card itself automatically comes with travel insurance. This representative forward me to the dispute department so that I can dispute the two transactions, the original transaction of {$1300.00}, and the additional, unnecessary transaction of {$320.00}. However, I was told that because Chase XXXX kept pushing the dates back that these transactions are out of the 118 day limit to dispute. I got transferred to Chase XXXX and asked to speak directly with a supervisor. This supervisor, XXXX, told me that no refund had been processed, but the ticket had been closed. She advised me that the ticket had been closed in XXXX due to Chase XXXX not being able to get the money from the airline. She told me that it was closed again in XXXX because the accounting department disagreed with the amount that was promised to me. She then told me she would send a ticket directly to the accounting department and that she would contact me within 72 hours or when the refund was processed, whichever was sooner. XX/XX/XXXX- XXXX called me back, and told me that the refund had not been processed and that she had heard nothing back from the accounting department. Again, she said she would contact me within 72 hours. XX/XX/XXXX- XXXX called back 10 days later to tell me the exact same thing, that the accounting department had not received the ticket and therefore the refund has not yet been processed. Again, she advised she would call back in 72 hours. XX/XX/XXXX - Called Chase XXXX again because I had not heard from XXXX. I was on hold for over an hour and no one picked up the phone. It is now XX/XX/XXXX and I have heard nothing further from Chase XXXX about my refund. It has now been over 7 months since I was charged to process this refund but have not received this at all. It should not take 7+ phone calls and 7 months to process a refund that your customer was charged {$320.00} for. And I still haven't received this refund! | ||||||
| 11/30/2017 | Yes |
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| On XXXX XXXX, XXXX a check that I deposited a XXXX CT based energy company that I was a former customer of in the amount of {$90.00} was returned. After much time and frustration with the company I was notified that the reason for the stop payment was because the check, while made out in my name, had a prior address on it and the company wanted to issue a new check with my updated address. Of course the company never notified me of their intention to stop payment on the check. Nonetheless, the check was returned and I had two insufficient funds fees applied to my account ( {$68.00} ) in addition to a return fee of {$12.00}. Whats most disturbing is that upon returning the check Chase debits my account in the amount of the check which automatically puts my account into a negative balance. In fairness, my account should only be debited by the return fee of {$12.00}. Due to the fact that the the check was returned for reasons beyond my control or knowledge, I felt comfortable approaching Chase and asking for an accommodation to have the fees waived. They were adamant that there was no discretion with how they enforce the insufficient fee rules once a customer has accumulated 5 of them in a 12 month span, regardless of circumstances. Most recently, on XXXX XXXX, XXXX I received an insufficient funds fee, even though I had received a wire transfer for {$300.00} three days prior, through Chases QuickPay with XXXX platform, specifically to provide sufficient funds. Prior to this episode had already registered my XXXX account with my email ( and received money through the service ) but Chase told me that I had to register my phone number with XXXX in addition to my email to accept this particular transfer. I called and spoke to Chase about the issue and was informed that because I did not have access to a computer I would not be able to register my phone number with XXXX at that time on the XXXX of XXXX. I was told that even if I had driven to the nearest Chase branch and asked for assistance in person I would not be assisted. I was also told that even though I had the Chase mobile app on my XXXX and XXXX that registering on either of those devices was not possible. I subsequently registered my phone number on XXXX on XXXX XXXX. The funds did not clear into my account until sometime between XXXX and XXXX on XXXX XXXX. Of course I was convinently assessed an insufficient funds fee just prior to the clearance of funds. Once again I called Chase asking for an accommodation based on the fact that my avenues to registration were limited to computer interface only. They declined. Matters are made worse when one considers how difficult and confusing it is to ascertain ones actual checking account value with so many transactions posting and pending against present and available balances. For example, as of the time of this writing, the Chase mobile app for my XXXX shows that I have a balance of {$240.00} ( that is both present and available whatever the difference is ). This reflects the {$300.00} transfer clearing into my account, yet the statement reads that that particular transfer is still pending. How can a transfer be pending if the money is already in your available AND present in your account balance. The only reason I can foresee is the create confusion which in turn provides an opportunity for Chase to profit from unsuspecting customers. It is for these reasons that I am lodging my complaint with the CFPB and respectfully request that you, as one of their many regulators, lobby Chase on my behalf. Finally for what its worth, and as I see it, nine years ago when Chase was rushing to hand out NINJA loans to anyone with a pulse helping create an economic meltdown they held no reservations and wasted no time accepting a {>= $1,000,000} loan from the Fed backed by tax payer funds ( me theoretically ) to facilitate their acquisition of XXXX XXXX, in addition to {>= $1,000,000} in TARP funds, once again tax payer financed, to stabilize the system. But now they have reservations for returning the bailout favor. Thats rich. I would assume they just say Thank you and be on their way. Just return my fees when I offer legitimate reasons for asking to do so. By the way, during this entire dabacle, I was two days late paying the minimum on my Chase Freedom credit card and it was assessed a {$34.00} late fee ... that Chase also refused to waive. | ||||||
| 02/07/2022 | Yes |
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| In XXXX of XXXX I received a payoff letter for an auto loan I had with Chase Auto in order to close on the purchase of my new home. The pay-off amount listed was {$6500.00} with a daily interest amount of {$1.00} which was good thru XX/XX/XXXX. When I sold my previous home, XXXX XXXX XXXX XXXX XXXX XXXX sent Chase Auto a check for the amount of {$6500.00} on XX/XX/XXXX. I started receiving phone calls at the end of XX/XX/XXXX stating that I am delinquent on my chase auto loan payments. I immediately contacted XXXX XXXX for information on the payment and they sent me a copy of the check that was received on XX/XX/XXXX with a transaction date of XX/XX/XXXX. During the month of XXXX when we continued receiving phone calls from Chase Auto we again explained all of this to them. Sometime around the beginning of XXXX, I received a message from my father that Chase Auto was contacting my step-mother about my account with them that was past due ; neither of them were in any way involved with the loan. In response I contacted Chase Auto and they requested me fax the copy of the cashed check which was sent on XX/XX/XXXX. In the beginning of XX/XX/XXXX I was again contacted and I informed them that the copy of the check was sent and I was transferred to their escalations department where I spoke to a XXXX. She told me that the fax was not received, I have confirmation it was delivered, and that I needed to go to a local Chase branch and have them fax it and call to confirm it was delivered. A couple days later my fianc went to our local Chase and was told that since the check was already faxed that we should contact Chase Auto and have them search for the fax by the fax number or check number. Chase Auto then contacted me before I was able to relay the information I had received from my local Chase and I informed them at that time ; they said they can't do that and I needed to fax the information again to a different fax number and I asked for a notice when the information was received later that day. That fax was sent around XXXX on XX/XX/XXXX and I received no notice that they received the information. At this point I wanted to know if this was affecting my credit so I purchased a subscription to XXXX and found out that my credit had dropped XXXX points ; which was due to being delinquent on payments for the months of XXXX, XXXX, XXXX and XXXX. I was never contacted or sent information on if or how this could affect my credit score and I feel that my rights have been violated on the grounds of me having representation in this matter. Chase Auto basically decided to attack my credit and character on a mistake somewhere outside of my control that more than likely was on their end ( which I have a paper trail showing the timeline that they harmed my credit after I disputed their claim, which had no investigation ) On XX/XX/XXXX I called to confirm that they received the fax. XXXX was unavailable and I spoke to a XXXX who told me that the fax was in XXXX XXXX inbox. I asked a timeframe on how much longer this issue would take before being resolved and was told after Chase Auto does an internal investigation ( no timeframe on this part of the process ) that they would submit a request to have my credit score fixed which could take up to 90 days with no compensation and no guarantee. On XX/XX/XXXX at around XXXX XXXX called and stated that Chase Auto was not who cashed the check and they told me to contact XXXX XXXX to see if they had information on who cashed the check. I then asked if Chase Auto would stop trying to find a physical address of where MY vehicle was currently at and they told me to contact their recovery department. Today on XX/XX/XXXX my fianc received a call from XXXX at XXXX XXXX who told us this has gone way to far and she will send us a redacted form of their bank statement about this payment. My plan last year after paying off my auto loan was to sell/trade in the vehicle for an upgrade because mid mileage ( XXXX miles ) issues were starting to present themselves. Not only have I not received the title to do so, but they have also tanked my credit score to the point where I can not finance a new vehicle if something were to fail in my current one. On top of this, I feel the constant harassment and condescending attitude from Chase Auto has not only been unprofessional but at points crossed the line into a legal issue. | ||||||
| 09/30/2021 | Yes |
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| I filed a dispute somewhere in between late XXXX and early XXXX, for several charges with XXXX because they abruptly and unjustly closed my account for things they did, and they would not allow me to return items, even though I hadn't had them for 30 days. I disputed ALL charges the same -- with the same reason, same documentation... which were email correspondences between me and the merchant proving they closed my account and would not allow me to return items I hadn't had for 30 days, which goes against their return policy. For one set of charges ( {$63.00} on XXXX, {$43.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX ), I was sent a questionnaire that needed to be completed and sent back to them. In that paperwork, I stated that I needed to return the items and they would not allow me to return them. I also provided them with the email correspondences that clearly show they were not allowing me to return the items. I sent the paperwork back to them on XX/XX/XXXX... I received a letter from Chase on XX/XX/XXXX, with documentation from the merchant that is completely irrelevant to the nature of my dispute. You will see this in Exhibit A. All they did was respond with order and tracking information. Nowhere in my dispute did I say I did not receive any of the items. I was pretty clear in why I was disputing, which was because they would not allow me to return the merchandise, which they did not rebuttal to at all... Despite this, Chase asked me to respond with additional information by XXXX. What additional information did they need?? I could already tell at that point they were grossly mishandling my complaint... So I called Chase and was on the phone with them for 38 minutes -- Exhibit B. According to the agent, they closed my case even though the letter states I had til the XXXX. It was the XXXX when I called... The agent told me to send them an email stating the charges and why I want them to re-open the dispute. He stated I had until XX/XX/XXXX to do this. So I did just that, on the XXXX ... with the same reason, and same documentation that I sent them over two months prior. For me to be sending the same thing twice, is ridiculous. Why, because they can't do their job right the first time?? Exhibit C shows that email, and the body shows me telling them that I was told I had until the XXXX to email them... Please note that Chase credited me for other charges I had disputed with them for the same reason. They were even initially under the same claim ID as they ones they rejected! Makes zero sense... Now, XX/XX/XXXX, I receive a letter dated XX/XX/XXXX, stating they went in favor of the merchant, AGAIN... I called and spoke to an agent who said they could not re-open the dispute due to the time frame. I said if they never grossly mishandled my dispute in the first place, the time wouldn't have even been an issue! I then spoke to a disputes supervisor -- XXXX XXXX, who was arrogant and overbearing. Nothing he said in response to what I said made any sense, and he lied in stating that they closed it because I never responded. I did respond, and I have the emails and call logs to prove it! And they were all within the specified time frame ... After forcing me to yell and infuriate me, I ended the call with him and called back and spoke to yet another supervisor -- XXXX... He admitted that I did respond within the specified time frame, but by the time the disputes resolution retrieved my email, it was too late... They checked their email two days after I sent it... TWO days ... Is that my problem??? Nope... I even told him that the agent did not tell me that they had to receive the information by the XXXX and it could take up to two days for them to look it, so send it no later than the XXXX. His words were -- " You have until the XXXX to re-dispute it. '' And as they always like to say, all phone calls are monitored and recorded. Well so was that one. Listen to it! So what if I waited until the last day? He said I had until the XXXX.. Period!! I said to the supervisor -- And you don't think Chase should be eating the cost for this one?? He responded with no... I've just about had it with Chase. I am not paying for these charges, one way or the other. If they do not take care of this, after 8 years I will close my account with them, with a balance of {$180.00} and never pay the balance. Credit is shot anyway so doesn't bother me... | ||||||
| 04/03/2018 | Yes |
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| I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. Every time I write regarding this serious matter all I receive in return are the same old copies of all of the papers that JP Morgan Chase has sent to us and the cover letter stating that they feel they did everything legally regarding this matter when they did NOT and no one will take me seriously. I am NOT going to stop writing until this is taken seriously and someone listens to the recordings of my phone calls with JP Morgan Chase representatives as verification of my story and the documents that I have mailed to JP Morgan Chase in the timely manner requested are included in the package as well as the rest of the documents that are mostly from JP Morgan Chase since hardly any of them are included but I did indeed mail them. So, until a satisfactory resolution is presented to us and received I will continue to write and report this matter. I dont care how much time goes by or what JP Morgan Chase says because this all happened back when they were found to mislead home owners by offering assistance and not providing it, etc. JP Morgan Chase is the worst excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. The account number is XXXX. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. There is no reason why we could not have been approved for a loan modification to save our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything either. The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. The response that I receive in addition to the aforementioned bs from JP Morgan Chase is that they " can't respond to the phone calls mentioned because we need specific information for those calls to be reviewed '', well, I have given them the details numerous times. I gave details of who I spoke to at which phone number and dates and times but it is obvious that they are not interested in researching them because they will find that I have been right all this time of reporting it. I am still not giving up, no matter how many times I have to report them for this. It has cost us exorbitant amounts of money, emotionally and it is physically draining when all along we were told that they " JP Morgan Chase '' were going to help us to prevent us from losing the house. They are nothing but liars and crooks. | ||||||
| 05/06/2020 | Yes |
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| I made a purchase on XX/XX/XXXX from XXXX XXXX XXXX XXXX for amount XXXX USD amount. The guy came to my XXXX a couple of times and introduced the big promotions that their company was having before the XXXX XXXX. I have been planning to buy those items ( Fridge, stove, and dishwasher ) for a while and thought Id do me a gift for XXXX. I trusted the guy and made that purchase when he came over again. He showed the items on his tablet, we took measurements and he processed the payment on his tablet. After the payment, I got a text receipt on my phone and nothing was suspicious to me, at that time. He told me that it would take a couple of days before theyd make delivery as the merchandise was custom made and they had to get it ready. I never received it during the time they were supposed to deliver but the guy was promising that Id get it. After the XXXX XXXX, the guy came again, and I told him that I am canceling the order. He promised that Id receive a refund during a couple of days. I also asked to provide me written proof that I cancelled the order ( See attached ). I was already full of frustration and doubts that something wrong happened and I called my bank ( Chase ) to dispute the transaction. I also went with my boyfriend to their physical location but couldnt find them. I really started to get worried. I submitted the details on my Chase account, and someone told me that it will take time to investigate. On XX/XX/XXXX I got a phone call from someone from the Bank who left a voice mail asking to call him back and there was also another phone number in case he didnt respond. I called him and he didnt respond. I called to the other number and talked to a guy who said that everything is fine, and the case is still under investigation and nothing needs to be done. On XX/XX/XXXX I received an update that THE BANK considers the disputed charges valid. I was really surprised and frustrated and called the number provided. I talked to Chase specialist and explained the situation, we talked almost 1,5 hour and went through everything. During that conversation, I found out there is a document that hasnt been uploaded. She advised me to put a request to reopen the case. I uploaded the document and requested another investigation. On XX/XX/XXXX received a note saying that the result of additional review confirms that the transaction is valid, and no billing error occurred. The news was shocking for me and I called in again. The Chase representative I talked to was also surprised by the decision and suggested to schedule a call with a manager. The manager called me the next day and told me that the reason that decision was made was that they sent me a message on my account on XX/XX/XXXX which I was supposed to sign and resubmit which I never did, as I never received any notification about it. He came up with a new story and according to him they never even made the second investigation as that paper wasnt signed. Meanwhile, the official letter I received on my Chase account stated, the result of our additional review confirms that the transaction is valid. I never received any notification that there was an update on my case. After he told me I found the note on my Chase account, but I never got a notification about that. That was a big amount, and The Bank stopped the investigation because of some paper that I never received. Usually, those kinds of important paperwork are supposed to be sent by mail. Besides, I called back after someone left me a voice mail and talked to a representative who said that there is nothing needs to be done at that moment. This case is about a big amount and we cant count on just sending an e-mail which can easily get lost in Spam. I was trying to explain to him the situation, but he was indifferent and seemed he didnt care what happened in reality. He just told me that there was nothing that my bank could do, and I had to find the merchant which was a scam and I was trying to find them for a while already. He told me that it was my responsibility. Also, no one ever told me about this before. The fraud company took the money and disappeared, and the bank doesnt want to do anything while having all the proving documents. I am really lost and dont know what to do. It seems that they are using this Covid situation to just close the case without really investigate the matter. Please help me Thank you | ||||||
| 02/07/2022 | Yes |
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| On XX/XX/XXXX I received an alert that my checking balance was below {$50.00} when it should have been over {$900.00}. Online I saw 2 deposited checks ( {$1900.00} and {$1500.00} ) on XX/XX/XXXX, 1 pending deposit ( {$1900.00} ) and 2 pending withdrawals ( {$2500.00} and {$2000.00} ) on XX/XX/XXXX that I did NOT make. I called Chase to report fraudulent activity on XX/XX/XXXX. I spoke to 2 separate departments ( fraud and claims ). I was told someone else called the bank that day to inquire about my balance but could not be verified. Chase said withdrawals were made in person at a Chase branch in XXXX XXXX, TX. I have not been to Texas in many years, and I do not believe I have ever been to XXXX XXXX. I was told that fraud reporting forms would be mailed to me, which were a requirement for Chase 's investigation. As of XX/XX/XXXX, I have not received the forms. I filed a criminal complaint with the XXXX XXXX XXXX XXXX ( Case # XXXX ). Chase informed me that the initial fraud was incorrectly reported as debit card fraud, when it was in fact checking fraud ( their mistake ). On XX/XX/XXXX, I went to a local Chase branch to set up a provisional checking ( ending XXXX ) and savings ( ending XXXX ) account to replace compromised checking ( ending XXXX ) and existing savings ( ending XXXX ). I did NOT set up overdraft protection. I was told that the bank could not transfer my pre-fraud balance until the investigation was completed. The banker who set up my account ( XXXX XXXX ) instructed me to make payments out of my new savings account, which he assured me was not affected by the fraud. Funds had transferred in full from my old savings account ( XXXX ) into the newly created account ( XXXX ). On XX/XX/XXXX, my new/provisional checking account ( XXXX ) reflected one of the fraudulent deposits ( deposit of {$1900.00} that was part of my initial fraud claim ). That same day, the new checking ( XXXX ) reflected 2 returned deposits, ( {$1900.00} and {$1900.00} ) and resulting in a negative balance. Two returned item fees of {$12.00} and {$12.00} were deducted from my account. On XX/XX/XXXX, the balance of the new checking account ( XXXX ) was - {$1900.00}. Fraudulent transactions were moved by Chase from the compromised account ( XXXX ) to the new/provisional account ( XXXX ). On XX/XX/XXXX, a deposit of {$1900.00} appeared on my new checking account ( XXXX ). I did not make or request this transaction. This brought the new checking account ( XXXX ) to a balance of {$0.00}. On XX/XX/XXXX, another returned check appeared, deducting {$1500.00} from my new checking account ( XXXX ), along with a returned item fee of {$12.00}, resulting in a balance of - {$1600.00} on checking account ( XXXX ). On XX/XX/XXXX, a deposit of {$1600.00} appeared on my new checking account ( XXXX ). I did not make or request this transaction. This brought the new checking account ( XXXX ) to a balance of {$0.00}. On XX/XX/XXXX, my new savings account ( XXXX ) balance reflected a withdrawal of {$1900.00} made XX/XX/XXXX and a withdrawal of {$1600.00} made XX/XX/XXXX. I did not make or authorize these withdrawals. Chase twice removed funds from my savings account ( XXXX ) for a total of {$3600.00}, without my consent, to cover the fraudulent activity that had transferred from a compromised checking account ( XXXX ) to a new/provisional checking account ( XXXX ). The savings account affected ( XXXX ) was not tied to either checking account. I have been victimized twice - initially by a fraudster, subsequently by Chase. I went to a local Chase branch on XX/XX/XXXX to ascertain what had happened, I learned that both my new checking ( XXXX ) and new savings ( XXXX ) were restricted and could only receive deposits. Payments I arranged from my new savings ( XXXX ) were blocked/refused. My local branch manager printed the forms that I should have received by mail. They were completed and faxed to Chase. She explained that only XXXX individual within the bank ( XXXX XXXX ) could assist in returning the stolen through fraud and those stolen by Chase from my savings account. XXXX XXXX could not be reached. I told by Chase that since they did not receive the forms from me ( that I never received by mail ), they were proceeding as if I was responsible for the fraud. To add insult to injury, I was informed that Chase will no longer do business with me. | ||||||
| 05/28/2017 | Yes |
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| I opened up a Chase account in XX/XX/XXXX with my first XXXX check in in the amount of {$7300.00}. My Social Security XXXX check is deposited into this account on the XX/XX/XXXX of every month. On XX/XX/XXXX, I discovered my Chase card was missing and immediately called Chase at exactly XXXX to report the card lost or stolen, the entire conversation was 98 minutes according to my phone record. I was informed by a representative that on XX/XX/XXXX, I had withdrawals in the amount of {$800.00} and {$200.00}. I was then informed that on XX/XX/XXXX a fraud check was deposited into my account in the amount of {$2600.00}, and then withdrew {$2100.00} and {$200.00}. Per the representative, all transactions took place at Chase Bank, XXXX XXXX XXXX, XXXX, NY XXXX. I have never did any business at the branch as I reside in XXXX. I informed the representative that could not be possible because my only deposits are my Social Security Deposit checks and it was not deposited on XX/XX/XXXX. I also informed the representative that I did not make any withdrawals on that date XX/XX/XXXX. The last time I used my chase debit card to withdraw {$300.00} was on XX/XX/XXXX. A copy of the fraud check was mailed to me and the signature was no where near my signature, so how could they have processed this check? Prior to this incident, my history with Chase bank will show that I never withdraw such a large amount, the most I have ever withdrew from the account was {$450.00}. The representative transferred me to the claims dept to file a dispute. I spoke with a representative from the claims department name XXXX around XXXX XX/XX/XXXX and told her exactly what I explained above and filed a dispute with her against those transactions. On XX/XX/XXXX I went to Chase Bank located at XXXX XXXX XXXX and got a new card. {$1000.00} was credited back into my account on XX/XX/XXXX and another {$2100.00} was credit into my account XX/XX/XXXX. On XX/XX/XXXX Chase bank send an email to my daughter, XXXX XXXX 's email address XXXX because I do not use my email address, I am not good with computers. Per the email, Chase is reversing the credit on my account XX/XX/XXXX because the card fraud department said I confirmed the transactions, which never happend. I did not speak to any Chase representative after filing the dispute and would never admit to somethiing I did not do. On XX/XX/XXXX Chase took all the money in my account which included my social security XXXX check that was deposited. This is my only means of income and as of now I can not pay my rent or buy food. I called chase claims department XX/XX/XXXX and spoke to a representative name XXXX XX/XX/XXXX at XXXX and told her I NEVER confirmed any transactions and that was a lie, I told her to tell me when and how I confirmed this, give me proof because you are not telling the truth. XXXX said " no I could not be provided proof ''. This is absolutely unprofessional, you said I agreed to something which I know never happend, then when I ask you for proof you tell me no. After arguing back and forth I hung up, feeling very upset and anxious, I now have no money. I made a 2nd call to the claims dept XX/XX/XXXX at XXXX and spoke with a Supervisor, XXXX XXXX, I asked him why are they holding me accountable for transactions that I did not make, my card was lost or stolen. XXXX told me he was sorry but there was nothing he could do for me. I asked XXXX XXXX to please provide me proof and evidence of my confirmation because I did n't confirm anything, but again, XXXX said he could not provide any proof. On XX/XX/XXXX, I made another call to Chase because I am being treated so unfair and the bank is stealing money. I spoke with a XXXX from the cards fraud department and he told me there was a text message sent to my phone where I confirmed the transactions. I told XXXX I did NOT receive or confirm any transactions made on XX/XX/XXXX-XX/XX/XXXX, and can I please be provided proof of this confirmation and again, the same story, XXXX told me he could not provide me with any proof. How can all Chase departments tell me they have no proof and this is suppose to be a big reputable bank. I can show proof of my phone records and text messages on those dates that none of these so called confirmations took place. All calls, text messages and phone calls should be recorded and records kept on file. | ||||||
| 02/04/2019 | Yes |
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| On or about XX/XX/2017, electronic deposits were made into my personal Chase checking account and that of my minor son 's " High School Checking Account '' by an unknown 3rd party, using what were obviously forged U.S. Treasury checks made to look like tax refunds -- my son ( as Chase is well aware ) is 16 years-old and is a dependant who does not even file federal income tax returns. When, after posting these deposits to both accounts in complete disregard of their own security policies and fiduciary responsibility to protect the integrity of client accounts -- especially, one might argue, those belonging to minors and/or elderly customers who may be less sophisticated and more vulnerable to these types of attack -- I was rudely informed by a Chase phone representative that my account had been " restricted '' and would eventually be closed, after the conclusion of their investigation, which in itself indicates the ultimate results of this so-called " investigation '' were predetermined in advance. In the meantime, I was denied all access to both my personal and my son 's account to make any withdrawals, deposits, transfers, or any other type of transaction, despite the fact that good funds existed in both accounts prior to the fraudulent deposits in question. Subsequently, even my passive ability to monitor my account online to view what was going on and/or to access documentary evidence in support of my claim has been entirely disabled. In other words, despite being a longtime customer, Chase has affirmatively prevented me from accessing or presenting any documentary evidence that demonstrates banking error, negligence, and a complete failure of their security team to follow their own policies, while admitting the electronic transactions in question were made by a third-party on a device and from an IP address not associated with or linked with either of these accounts in any way. Instead, they have -- in a belligerent and hostile posture -- they have deflected responsibility for these fraudulent transactions on to me, claiming I provided the perpetrator with secure information necessary to access my account. As far I as knew, the deposits were funding a loan I had applied for, and the only information I provided the company in question d/b/a Cash Solutions were my SSN, routing information, and the account number of my own account. This is all information that ANY consumer would have to provide a merchant such an auto finance company, a mortgage company, or employer in order to electronically deposit funds into my account, and no information I provided to this 3rd party was any different or more sensitive than the that routinely provided by millions of other banking customers on a daily basis for a variety of legitimate business reasons. Furthermore, I certainly did not provide ANY of this information pertaining to my son 's High School Check Account which was similar compromised by this fraud scheme. I have made dozens of phone calls to various Chase banking representatives in different departments, e.g. Consumer Banking, Fraud, Claims, etc. and each time, I have been provided with contradictory and inconsistent information from previous information I have been told. Each time I call, I am informed we are on a " recorded line, '' however, when I request permission to record the call from my end to have a documented account of these conversations, their inconsistencies, and the unreliable, and inaccurate information I am being told, I am expressly prohibited from doing so. This prohibition only serves to highlight the one-sided, biased, and unfair nature of this " investigation '' which, I have been told will definitively lead to closure of my account and subsequent collection activities. Subsequent " courtesy '' voice mails I have received inform me they have no information to provide me or no time frame in which I can expect this matter to be concluded only, that when conclusion does occur, it will absolve Chase of any responsibility and thrust any and all blame for this situation onto my shoulders. From the Executive Office ( where my point of contact is a woman named " XXXX '' ) on down, Chase has handled this entire situation unfairly, in bad faith, and with an adversarial position that has affirmatively disallowed me from monitoring, knowing, or adding any pertinent input into their procedure. | ||||||
| 09/11/2020 | Yes |
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| XX/XX/2020 Sent threatening message via a direct XXXX message about expressing my political beliefs. Person says they are 4,000 people strong and target XXXX and that there is a larger network of over 20,000 people who take justice into their own hands embedded in key institutions across the nation. XX/XX/2020 Donated {$100.00} to Trump presidential re-election campaign XXXX via my personal Chase Bank checking account. XX/XX/2020 Chase Bank personal checking suddenly and inexplicably closed. No access to my {$5900.00} balance. Kept getting runaround trying to find out why account was closed after more than 4 years with no issues. XXXX XXXX XXXX Tried to get answers from Chase Bank telephone customer service. Call center keeps saying they are unable to tell me why the account was closed, and that Chase has the right to end the relationship for any reason at any time with no explanation. And that I am no longer welcome at Chase Bank. XX/XX/2020 Went to Chase Bank location on XXXX XXXX in XXXX to investigate. Banker told us she looked at our checking account records and was not able to see any reason why the account was suddenly closed. We werent able to withdraw our money. Transaction detail statement states that on XX/XX/2020 there was a XXXX XXXX Check Charge for the full amount of my money in the cancelled checking account in the amount of {$5900.00}. XX/XX/2020 with I called Chase Banks Executive Branch and opened a case with Representative XXXX XXXX XXXX. XXXX emailed XXXX our Certificate of Domestic Partnership and a record of two years of direct deposits of XXXX paychecks as proof, as well as a copy of his Chase Savings debit card. XX/XX/2020 Called Chase Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX spent over two hours with Chase Bank in-house services trying to find out why account was closed and let us know that the account was closed because of fraud. XX/XX/2020 Went to Chase Bank location on XXXX XXXX in XXXX to see if they could look into what happened. 4 more hours with banker XXXX XXXX [ witness ] on the phone with Chase Bank telephone customer service kept getting runaround. Finally we got connected to the Chase Bank Fraud Department who told us they have determined no fraud. Claimed the fraud that closed the account was from unemployment direct deposited into the personal checking for my partner XXXX XXXX. opening future Chase accounts, and that the check for {$5900.00} would be overnight mailed to me via XXXX. XX/XX/2020 Chase Bank claims that they tried to call me and claimed that I allegedly did not answer the call. So the Chase Fraud Department XXXX XXXX XXXX once again froze my money, saying that the XXXX credit source will need to be determined, then Chase Bank can validate the funds. XX/XX/2020 XXXX emails XXXX documents as proof of previous deposits and other transactions as proof of no fraud being committed and payment history from the Department of Employment Opportunity proving Covid-19 related unemployment benefits. XX/XX/2020 XXXX emailed XXXX a document showing ongoing eligibility of unemployment that is now going into our newly opened credit union account. The Department of Employment Opportunity says that they received no inquiries from Chase Bank regarding this case, nor any request to send back the funds in question. This apparently shows how Chase Bank is not interested in doing any research to prove that there is no fraud, and how some rogue employee within the Chase Bank system is punishing certain people who donate to the Trump re-election campaign. XX/XX/2020 XXXX calls and says she will send a message to the XXXX XXXX Department to follow up. She says the Fraud Department denied her request to release the funds even after she sent them the documentation that XXXX had emailed to her weeks before. I asked why Chase Bank is playing detective with Federal funding during the Covid pandemic and she stated that Chase Bank has the responsibility of playing detective with unemployment payments. I then asked XXXX to include with her follow up with the Chase Fraud Department that I will force a mediation if they do not respond in 24 hours from XXXX Tuesday, XX/XX/2020. XX/XX/2020 Still no response from Chase Bank, nor XXXX at the Executive Office. XX/XX/2020 Chase Bank submitted a cut and paste response that still does not address steps that will be taken, and where that XXXX check is. | ||||||
| 09/30/2022 | Yes |
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| I opened a personal checking account on chase.com for an amount almost {$5000.00} on XX/XX/XXXX. I didnt have a checking account so I trusted that Chase was a reputable company. These are proceeds from my fathers XXXXXXXX XXXX he had started in XXXX. The XXXX became final and myself, as well as my XXXX siblings, received our final distributions. The mobile app restricted me with a maximum deposit of {$5000.00}. I went to my local branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX KY on XX/XX/XXXX to deposit the remainder of the proceeds which would total around {$9500.00}. The teller at the window in the lobby explained the account was restricted and that the assistant manager or manager would need to review. It was explained to me it was restricted due to the check appearing to be made out to an estate. It was not in fact. In fact, it was solely made out to me and no one else. I was told I needed an appointment and the branch manager refused to see me due to his busy schedule. The teller asked if he had 5 minutes to just open an account and review and to his disgust he said no, then I have lunch. Once I was able to see a lady, I assume the assistant manager, later that day I was told they needed my fathers death certificate, letterhead from the attorneys office proving it was not part of an estate, copies of my ID, veterans card, and checks stubs from the settlement. I provided all these documents immediately except for my fathers death certificate which I ordered and had by the following Wednesday. I was assured they sent to the legal department and would be rectified immediately. I went back Tuesday XX/XX/XXXX to follow up and find out when my money would be released to me. I even asked her to reach out the attorneys office that sent the checks and she said the number she called was a fake number and no good. She refused to help any further. I felt as if I was a burden and a nuisance to be in their branch. The money was fully available without hold on XX/XX/XXXX with account fully restricted and told I could not have any access to my money. Once I provided all documents the second time and within a few days ; I learned from the loss prevention department that they still needed all these documents and they hadnt received anything. At this point I still didnt have access to any of my money. I finally had to go to a different branch on XXXX XXXX in XXXX KY the second full week of XXXX with an appointment to discuss. I once again took all documents as requested by the legal department and assistant manager XXXX reviewed and handed back to me without making copies. He told me all was okay and that it wasnt necessary to send them. I learned later on it was necessary and went back a few days and he finally made copies saying he would send into the legal department. I learned on XX/XX/XXXX that the legal department still hadnt received anything and I still didnt have access to my money. I called Again on Monday the XXXX and was told they still hadnt received the documents. I finally had to have my attorneys office contact the legal department to expedite and receive attention to get issues rectified. Bottomline, Chase Bank has been negligent in a timely resolution of this issue. I was given multiple stories from each person on what documents were needed and when they got them. My money was available within 2 business days but they immediately froze my account because of the accusation my check was part of an estate. I was refused access to my money even though I have the appropriate legal documents. They removed the money from the account and told I wouldnt get anything. I finally had to have my attorneys to get involved proving this money is from a reputable attorneys office and not an estate. At this point on Thursday, XX/XX/XXXX, I still dont have access to my money and told its still under investigation. The proceeds from XXXX XXXX have been deposited for years in all 50 states by thousands of recipients at various banks including Chase but they suddenly have an issue with me. I wouldnt recommend Chase Bank to anyone. I wander if they would hold someones payroll checks and demand proof from their employer they actually work there. I doubt very seriously the legality of holding my money for now at 30 days without me having any access to it. Im being made to feel as if Im a criminal wanting access to my own funds. | ||||||
| 07/19/2021 | Yes |
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| My home mortgage is currently with Chase Bank. I am a longtime credit card customer. I have had a card there for 20 years. My mortgage with them began on XX/XX/XXXX. Whenever I call Chase, they thank me for being a long-time customer. I wanted to pay down the existing balance of {$370000.00} with a {$100000.00} cash inheritance from my mother 's estate and refinance the remaining balance of {$270000.00}. I contacted Chase, as an existing customer, on XX/XX/XXXX and spoke with XXXX XXXX who initiated my application. I am XXXX as an XXXX. I uploaded 6 months of bank statements and tax returns from XXXX and XXXX within the hour. I received conditional approval of my refinance. However, on XX/XX/XXXX, a woman named XXXX XXXX of Chase contacted me and informed me that my tax returns were not properly signed. She informed me that I would have to print them out and sign them. I informed her that my accountant of 20 years had prepared my returns and they had been filed via electronic signature. Ms. XXXX insisted this was incorrect and my returns were not properly signed. I told her that I did not feel comfortable creating a new document that had been accepted by the IRS in the form that I had given it to Chase. She then hung up. I reported this incident to manager XXXX XXXX, Mr. XXXX 's manager, to XXXX XXXX XXXX, Mr. XXXX 's boss. I gave them my accountant 's contact information and told them to contact her. I told them I would not alter my tax return as Ms. XXXX had demanded unless they could produce an IRS statute or reg authorizing that alteration. I received an email from Mr. XXXX at XXXX XXXX on Friday XX/XX/XXXX, stating he would investigate the matter further. at XXXX XXXX I received a call from a blocked number. It was a woman who mumbled her first name, did not give me an ID number, as all the other Chase employees had done, and the call did not state that it was on a recorded line. This woman berated me about my taxes and now demanded the form that had authorized my CPA to file with the electronic signature. I told her that I did not have that form any longer but I had told Mr. XXXX to contact my CPA for anything further that Chase needed and repeated that I was not comfortable altering a document that had been accepted by the IRS. I also had presented a cancelled check to Chase, at its request, showing full payment of my federal taxes. The woman told me that " Accountant Privilege '' prevented contact with my CPA, a claim that I knew to be entirely bogus, particularly because I had authorized Mr. XXXX in writing to contact my CPA. I suspected that this call came from XXXX XXXX trying to harass me further after she realized she had been wrong to question my tax documents in the first place. However, it was clear that whoever this was was a Chase employee who knew about my refinance application. I have XXXX and my XXXX XXXX was far too high at that point. I terminatee the call and at XXXX XXXX I immediately sent an email to Mr. XXXX and to Mr. XXXX stating that I could no longer withstand the harassment from Chase about documents that conformed to federal law and I was withdrawing my application and wanted a refund or the {$500.00} application fee. I received a reply from Mr. XXXX accusing me of asking Chase to provide a loan not conformance with federal regulations. Clearly, Chase was the entity in violation because Chase was demanding that I create a new and different version of a document that had been filed and accepted by the IRS. As an attorney, I felt that I would have substantial liability if I essentially altered a document that had been previously filed with a federal agency and which met that agency 's requirements for fiing. I am still shaken by the call from that blocked number. All other contacts that I had with Chase were on recorded lines with the Chase employee identified by name and by ID number. This call was highly unprofessional. It was initiated for the purpose of argument and harrassment. I can not understand why Chase would treat me this way. I am a long-time customer. My XXXX score is XXXX. I have never missed a mortgage payment on the exiting mortgage. I provided proof that my taxes had been paid. As the only mortgage holder on the property, Chase would have known if the IRS had filed any sort of tax lien on the property. That blocked call was truly upsetting and frightening. | ||||||
| 05/08/2020 | Yes |
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| On XX/XX/2020, I went to a gas station in XXXX XXXX, CA called " XXXX XXXX XXXX XXXX XXXX '' and this is where I believe my information was stolen. I used my card at the pump. On XX/XX/2020, beginning at XXXX XXXX my card information was used 4 separate times at a XXXX XXXX XXXX in XXXX XXXX, CA. I woke up in the morning to see my card was charged for {$120.00} at XXXX XXXX, {$120.00} at XXXX XXXX, {$120.00} at XXXX XXXX and the last one for {$120.00} at XXXX XXXX. I reported this information to Chase Bank in PERSON around XXXX XXXX on XX/XX/2020 and I asked the lady who helped me out if I could get more information about where the transaction took place so that I could get camera footage. She assured me that I didn't need to worry about this because the Chase Fraud Department would handle this and look into that information for me. So I assumed they would protect me and make sure that they would ACTUALLY investigate it. They put the money back in my account, and then on XX/XX/2020, they took the money back out. I called Chase to find out why this might have happened, because it was clearly fraudulent. After waiting on hold for an hour and a half, a very rude representative told me that it was impossible for the transactions to be done by anyone but me, because my pin was used. I asked to speak with her supervisor and they said they would mail me the proof that it was me who did the transactions. Once I got a letter in the mail, I was blown away that their proof that I made the almost XXXX XXXX transactions was that my pin was used thus virtually impossible to have been anyone but me. Once I received this letter, I decided to give XXXX a call on XX/XX/XXXX, they told me that there ALWAYS should be a Merchant ID when transactions take place, and that I can obtain that Merchant ID from Chase and therefore, find out which XXXX Gas Station this transaction took place at, and then go on to receive camera footage. That being said, I went into a Chase branch hoping to close my account and receive a Merchant ID. They told me that only the Claims department and Fraud department is provided with that number. At this point, Im utterly confused why they can not provide me the location where this transaction took place. EVERY transaction is supposed to have a time-stamp, a location-stamp, or more information other than just a CITY name. This lack of investigation, lack of care to their clients and lack of any respect is never okay. They give me the claims number for Chase ( which Ive already called 6 times at this point trying to gather more information ) and even though I was DIRECTLY told that the claims department ABSOLUTELY is ALWAYS provided with the Merchant ID, the representative on the phone says that there is no further information other than the city, and the transaction code. ( I had tried giving the transaction codes with the dates to XXXX and they said they can only find it through the Merchant ID ) At this point, Ive exhausted all my options. I called Chase again on XX/XX/XXXX, and I asked for an appeal. Hoping they would understand this is fraudulent, and help me with what my options are. After being transferred to the supervisor she told me it was Suspicious that they were not provided with a merchant ID, thus it seemed like a tale-tale sign that this transaction was fraudulent. She told me that she was going to send a letter to the back-end and see if they could look further into it and see why a Merchant ID was not provided or why they couldn't track the information any further. I was extremely thankful because she seemed to be the only person who was willing to help me. We hung up the phone and I patiently awaited for a letter saying that it was in fact fraud because they cant charge me for something that they have zero proof it was me, and ive been a chase customer for YEARS with ZERO fraud on my record, i should have the upper hand in this. On XX/XX/XXXX, I received a Chase secured message on my app, stating that the transactions were processed correctly and no changes are being made. This is where I now need to turn it over to the Consumer Financial Protection Bureau because I have done absolutely everything in my power and they refuse to do any research, any investigation, and help me in any way. Especially in this time, that money is essential and I worked extremely hard to earn that money. | ||||||
| 07/20/2023 | Yes |
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| Dear Sir or Madam, I had previously submitted a complaint ( XXXX ) on XX/XX/2023 against Chase Bank . In the resolution, Chase bank has stated {$2000.00} has been mailed out and I did in fact receive this check. They also stated that the other check is to be verified. The following is an update to the issue. On XX/XX/2023 I visited Chase Bank again with the check maker in person. Chase bank talked to the check maker and verified their identity and Chase said they will mail out the remaining {$2000.00}. On XX/XX/2023 I went back to Chase bank to check on the status. They said that the check must be verified even though it was already verified the previous week in person. They also said that the check was returned to the check maker. But when I reached out to the check maker again, they said they did not receive anything and proved it with their bank statement. I have no idea what is the truth. I have no confidence that this issue will be resolved due to the back and forth for months. This prolonged issue is unprofessional and also a burden for the check maker to take their time only to have nothing be resolved. Please help me open this case again and help recover my remaining {$2000.00}. Thank you. If necessary, Please see my previous complaint filed XXXX for previous dates. I will include it below in this message for your convenience. -- -complaint XXXX -- - Dear Sir or Madam, I have a complaint against Chase Bank for erroneously closing my account and not refunding me the full balance of {$4700.00} on my account as of XX/XX/2023. The details are as follows : XX/XX/2023 : I deposited two checks for {$2000.00}, one of which was for rent that I had been depositing for a few months already. Chase informed me the funds would not be available for a few days. About week later : I returned to Chase Bank and found that my account had been closed. Chase told me the reason was that the check writer did not pick up the phone and thus they closed my account because the check did not pass verification. Chase asked me many questions to verify the identity of the check and I got in contact with my tenant who wrote the check. My tenant texted me his bank statement showing the money going out. This all took place at Chase Bank. Chase Bank told me in this case they will send me a check for my account balance. Another week later : I received a check for only {$780.00} out of {$4700.00}. I went back to Chase Bank and cashed the {$780.00}. I asked why I did not receive the remaining {$4000.00}. They said it was mailed out at the same time and should be arriving soon. Over the course of the next month and a half I had gone back to Chase Bank to inquire about my missing {$4000.00} check. Each time I was bounced around to different bank employees, bank departments and call centers ; each time they asked what the check was for and who wrote it and for their contact and still could not resolve the situation. On my last visit of this sequence, Chase Bank told me that I did not deposit {$4000.00} on XX/XX/2023, but it is very clearly on my bank statement and my tenant 's bank statement with the rent payment going out. Over this past month or two, Chase could still not resolve my missing money case. Now on this visit, they want to just deny the deposit ever happened. I was brushed off and all I got was a number to call the same departments that could not help me for the past 5 visits. XX/XX/2023 : Chase Bank contacted me and suggested we schedule a meeting at XXXX with the bank manager to resolve the issue. But when the time came they called me to say the manager was too busy, then 30 minutes later I got another call and Chase said to not come in anymore. They even tried to excuse themselves by pinning it on the check writer, saying their bank account and transactions were messy. However that has nothing to with my own account. Again, the check payment had already cleared his account and was deposited into my account, as per our bank statements. Also we are both using Chase Bank for these transactions. Every I visited, Chase bank kept asking me the same thing and giving me excuses why they could not send my remaining balance of {$4000.00} as of XX/XX/2023 that just vanished when Chase bank closed my account. Sir, Madam, Please help resolve this case and help me recover the money I am rightfully owed from Chase Bank. Thank you. | ||||||
| 07/26/2023 | Yes |
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| On XX/XX/2023 we paid {$4500.00} for a set of veneers for my wife using a Chase-branded credit card. The work was performed a few days later on XX/XX/2023. Hours later, my wife was not satisfied with the result. She let the merchant know, and they acknowledged her complaint. That was the last time the merchant ever communicated with us. My wife made a last-ditch effort to contact the merchant on XX/XX/2023, wherein she described additional problems : inability to speak or eat properly and inability to floss. She also continued to experience severe pain. She again received no response, and we flew to XXXX for a long-planned family vacation. On XX/XX/2023 my wife made an appointment with another dentist to have her mouth examined. During the appointment, it became clear that the work performed by the merchant was defective and outright dangerous. It was critical that they be fixed as soon as possible. We made a plan with the dentist to remove the defective veneers and install new ones. The work would be conducted over several weeks and severely disrupt our plans. We paid a total of {$4100.00} for the removal and replacement in a combination of cash and bank transfers. The merchant had been completely non-responsive since our initial complaint, and we felt as if we had been scammed. With no way to contact the merchant and come to a resolution, we placed a call with Chase after the appointment and told them everything that had happened. Chase opened a dispute under reason code 13.3 NOT AS DESCRIBED/ DEFECTIVE and provided us with a claim ID : XXXX. Chase also advised us to get a letter from the dentist detailing all of the issues with the veneers installed by the merchant to help adjudicate the case in our favor. We provided this letter. On XX/XX/2023 we received a letter from Chase stating they consider the disputed charges valid, and that there was no billing error. Chase did not address the reason for our claim that the service was defective and not as described. In their rebuttal, the merchant submitted proof of payment and some photographs of my wife 's mouth. That was apparently sufficient for Chase to side with them. On XX/XX/2023 we submitted an appeal. On XX/XX/2023 we spoke with Chase again. During the call, Chase explained that the reason for the denial was that the merchant had claimed we did not notify them of any problems with their service. This was completely false ; we notified the merchant of the issues caused by the veneers, and they acknowledged it. In addition, the photographs the merchant provided to Chase in their rebuttal were actually provided by us after we had made her initial complaint to them. The merchant was being dishonest with Chase, and we had the text messages to prove it. Chase advised us to send the supporting evidence, which we did. They also provided a new claim ID : XXXX. On XX/XX/2023 we received another denial letter from Chase again stating they consider the disputed charges valid, and that there was no billing error. We again spoke to Chase on XX/XX/2023, and were again advised to send another letter to have the dispute reopened. We did so after the call, wherein we informed them that we wished to continue fighting the charge and that they were not addressing the reason for the claim. We also expressed our disbelief that a merchant can charge for a defective product or service, completely ignore the customer after they voice any concerns, lie to the credit card company in their rebuttal to a customer dispute, and still have a case adjudicated in their favor. Chase reopened the claim with another claim ID : XXXX. On XX/XX/2023 we received another denial letter from Chase citing the same reason as before. Chase continues to insist that the disputed charges are valid, and that there is no billing error. They are not addressing that the service was defective and not as described. The veneers were defective and had to be almost immediately removed and replaced. Chase has sided repeatedly with the merchant based on a photograph of a receipt despite us providing many pieces of supporting evidence that the service was defective and proof that the merchant is being dishonest. We strongly disagree with Chases findings, and feel as if we are being given the run-around. At this point, we are getting nowhere with Chase Customer Service and wish to have this case escalated. | ||||||
| 10/14/2018 | Yes |
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Web | Older American |
| On Saturday, XX/XX/2018 I received a letter from Chase indicating I had been turned down for a loan. I have not applied for a loan with Chase. On Monday, XX/XX/2018, at XXXXXXXX XXXX. I called the number cited on the letter. At this time I spoke with XXXX XXXX, who advised that my husband had applied for a home equity credit line and been denied. On further review he advised that my husband had, without my knowledge or consent provided my social security number and other information in furtherance of having a HELOC granted in my name when he was denied. I asked how it could be that my information would be used without my knowledge or consent and after further discussion he asked if I wanted to speak with his supervisor. I said YES. He then connected me to his manager, XXXX XXXX. On inquiry with Ms. XXXX, I was advised that Chase invokes spousal privilege to make loans in the names of spouses. Invoking spousal privilege is outrageous. The application of spousal privilege is widely known to be applicable in criminal cases and is used to prevent one spouse from testifying against another. I have found no application to do with credit or credit granting and the invoking of same is a clear and quick path to loan fraud. Ms. XXXX advised that a XXXX XXXX was the person who entered the application in my name, without my knowledge or consent. She further advised that she would have XXXX manager XXXX XXXX call me on Tuesday, XX/XX/2018. I have received no such call. XXXX XXXX never asked to speak with me regarding this loan application. She did not know if I was in agreement, if we were divorced, if we were living in the same household, if I were physically incapacitated, or just bat XXXX crazy on a corner someplace. Yet, my social security number was used by Ms. XXXX, to submit a loan application in my name without my knowledge or consent. My husband indicates she told him I would qualify and merely asked our household income. He denies having given her my social security number. Whether he provided on request or not is really irrelevant. Whats relevant is allowing my identity to be used to make a loan application without my consent. It further begs the question on whether this application had to be signed. Had we been living separately, which we have been discussing, and this loan been granted, I surely would not have known because any written communication would have come to our current address. Had this loan been granted, Chase would be looking at a write off if he chose not to pay because I would have had no knowledge of its existence. On XX/XX/XXXX, I spoke with XXXX XXXX, I believe his name was, from the Chase executive office. At that time I was told that they would not take the inquiry off my credit report as requested. That indeed it is within their guidelines to allow spouses to apply for credit in one another 's names. That, in my mind, is the allowance of identity theft. As I'd said, my husband and I have been speaking of living separately. That said, if this loan had been granted I would have known nothing about it. If it was a scant 6 weeks later I would have known nothing about it as I am planning to be out of town. I spoke with XXXX and they advised that a joint account was applied for over a hold I had on my credit report. No matter the loan title it strikes me as positively insane that a company could have a policy of allowing a loan to be applied for and possibly granted in somone 's name without their knowledge or consent. Further, what is the point in having a hold on my credit when by virtue of having an account with someone my credit can be acccessed? Which is what XXXX said. Because we had a relationship with Chase they were allowed to access my credit. In my case, I would like Chase to remediate this matter by granting me identity theft protection for three years and by having the hard inquiry removed from my credit report at all three bureaus. I would also like them to amend their policy and at least SPEAK with all parties to a loan application. Further I would like the credit bureaus to not allow credit access just because a joint account is held someplace. I previously had a mortgage with my niece. According to the policies at Chase and XXXX, she can now apply for credit in my name. HOW do I protect myself from credit being accssed in my name given those policies????? | ||||||
| 11/08/2023 | Yes |
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| Subject : Request for Immediate Intervention Unjustified Account Restriction and Withholding of Funds by Chase Bank To Whom It May Concern, I am writing this statement under considerable distress and with a sense of urgency that the situation I am facing with Chase Bank demands. My name is [ XXXX XXXX ], and this statement serves as a formal complaint against Chase Bank for the unwarranted restriction of my account and the withholding of my funds totaling {$24000.00}, which is a tax refund issued to me in the form of a cashier 's check. I am seeking the Consumer Financial Protection Bureau 's immediate intervention to rectify the discrepancies that have led to financial and emotional hardship. **Incident Overview : ** On [ XX/XX/2023 ], I deposited a cashier 's check of {$24000.00}, representing my tax refund, into my account via the Chase mobile banking app at a local ATM branch that I regularly utilize. Understanding standard procedure, I anticipated a hold on the funds to allow for the usual verification process. Chase Bank placed a 7-day hold on the check, which was a reasonable expectation. After the 7-day hold period elapsed, the present balance was updated to reflect the available balance, indicating that the funds were cleared and should be accessible for my use. **Discrepancy One Unlawful Holding of Funds : ** Despite the update in my account balance, Chase Bank continued to hold the funds illegally. This action is in direct violation of the terms outlined by the Expedited Funds Availability Act ( EFAA ), which mandates the timely release of funds from checks. As per Regulation CC, which implements the XXXX, the hold on a cashier 's check deposited into an account of a customer with a banking institution should not exceed the statutory timeline unless exceptional circumstances apply, which were not communicated to me. **Discrepancy Two Account Restriction Without Justification : ** Subsequent to the clearance indication, I received notice that my account was restricted, with the justification that the bank was " waiting for funds to be returned to maker. '' This statement is nonsensical in the context of a cashier 's check, which, by its very nature, represents guaranteed funds that have already been paid for by the issuerin this case, the United States Treasury. **The Issue of Potential Discrimination : ** While I am reluctant to make such assertions, the unfounded actions taken by Chase Bank raise concerns regarding their motives, including the potential of discriminatory practices. I am compelled to question why a standard procedure of check verification has escalated to an unwarranted restriction on my account. **Demand for Immediate Action and Compensation : ** The financial impact of Chase Bank 's actions is substantial. Not only am I unable to access my legitimately earned tax refund, but this situation has also impeded my everyday life, causing significant stress and XXXX. I am now in a position where I am forced to question the integrity of my financial institution, which has seemingly penalized me without cause. I am requesting that the CFPB take immediate action to ensure that Chase Bank : 1. Lifts the restriction on my account without delay. 2. Makes the funds of {$24000.00} available to me in full accordance with the law. 3. Provides a detailed explanation for the unwarranted actions taken against my account. 4. Compensates me for the inconvenience and emotional distress caused by their unjustified actions, including but not limited to financial compensation for any overdraft fees, missed payments, and other financial liabilities incurred as a direct result of their actions. **Closing Statement : ** The actions of Chase Bank have not only violated federal regulations but have also placed an unfair burden on my financial well-being and emotional state. The urgency with which I require a resolution can not be overstated. This matter goes beyond a simple banking errorit speaks to the reliability of the banking system that consumers like myself depend on. I trust that the CFPB will act promptly to address this grievance and to prevent such occurrences from happening in the future to myself or any other consumer. I am prepared to provide further documentation and evidence upon request. Thank you for your immediate attention to this critical issue. Sincerely, XXXX XXXX | ||||||
| 02/03/2021 | Yes |
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| I am sending this because I am at the end of my rope. I have been unable to make any progress with my financial institution Chase Bank. You are my last hope. On the evening of XXXX XXXX close to XXXX XXXX I was waiting in my car and on my Chase app and I noticed non chase atm withdrawel charges that occured that evening that I did not make. I looked in my wallet and discovered my debit card was missing. I am XXXX my XXXX and XXXX are XXXX and I need help with driving and running errands. So the person that I believe made these transactions, XXXX XXXX, had been helping me a few days that month driving and running errands like this evening. I looked for him and the XXXX XXXX said he must have left. I explained to him what I had discovered on the Chase app and the security guard began to help me look for my debit card but we could not find it. I was making calls to figure out what was going on and then the security guard who's name is XXXX from the establishment XXXX said XXXX XXXX had been back by their atm. When XXXX XXXX came out and I explained that my debit card was missing he began to look for and " found it '' on my seat after the security guard and I looked and it was not there. I then relized my account had been compromized. On the way home XXXX acted nervous and left without even saying goodbye. Once home I called the Chase Fraud department at XXXX XXXX XXXX XXXX and they canceled my card and told me to call the Chase Claims department during business hours. The next morning on XX/XX/XXXX XXXX I called the Claims department at XXXX XXXX XXXX XXXX and they got all of the information from me and advised me to make a police report. I filed a police report and Chase determined that they would return the money to my account and they did, for awhile. On XX/XX/XXXX my balance was lower than it should be. I went on my Chase app to discover the money Chase had retuned to me was reversed. I called the Claims department back and they said I had given my pin # to XXXX XXXX. I told them I never gave him or anyone for that matter my pin number. Criminals steal peoples identiy all the time Im not sure how he got my pin. I just know not from me. They said they closed the case and they had a recording of me saying I wrote down my pin for him. I never said that and asked them to please play the recording of me saying that. They could not or would not do so. I said I know because it never happened if you have this recording lets hear it. Over the next week I spoke with supervisers at my branch to get this resolved and they would not give my money back They never took my police report. I met with XXXX XXXX at my local branch. I also met with the branch manager XXXX to try and resolve this and they were unable to and were surprised at the Claims decision on the matter. The establishments where these charges occured had security footage and the security guard as a witness and the Chase fraud department never even followed up with the detective that was assigned the case, XXXX XXXX at XXXX and they still would not return my money. I have enclosed reports with their information. I then got it assigned to reopen the claim with XXXX XXXX XXXX and it was assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ex XXXX and the caim number is XXXX. She could not get it reopened by the claims department and advised me to write Chase XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX she would not provide me with a phone number or email to contact. So I have now turned to you for help. I have enclosed the police report and bank transactions they have the dates amounts and times on them total amount is XXXX plus additonal bank fees in addition to XXXX These documents have more information included in them. I cant beleive they would rather let a criminal have my money than me their long time customer who earned it. I chose Chase after my divorce over three years ago based on their reputation with customer service and fraud prevention. They have let me down. This has caused me so many problems because they did not inform me when they took the money out of my account. I have been a long time customer with very good standing. Apparently they do not value their customers. Please feel free to contact me anytime if you need more information XXXX XXXX XXXX or XXXX. Thank you in advance for your time and help in this matter. Warmest regards, XXXX XXXX | ||||||
| 02/06/2019 | Yes |
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| Step 1 : What is this complaint about? There were 2 unauthorized transactions done with my debit/credit card on XX/XX/XXXX which posted on my account JP Morgan Chase Bank, N.A ( checking account ) as debits on XX/XX/XXXX, in the amounts of {$240.00} made at XXXX and {$61.00} made at XXXX, form a XXXX store XXXX located in XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. Step 2 : What type of problem are you having? Per my bank JP Morgan Chase Bank, N.A ( Chase ), the unauthorized transactions will be charged to my bank account without my consent despite the fact I have disputed the amounts with my bank. Step 3 : What happened? On XX/XX/XXXX I received an e-mail from JP Morgan Chase Bank, N.A ( Chase ) notifying me that my debit/credit might have been compromised. I called Chase to find out why, and they said they will send me a new debit card. I was also told that I was restricted to drawing {$100.00} per day with my debit card and limited to {$500.00} purchases on my online transactions until my new card arrived. On XX/XX/XXXX when I looked at my XXXX XXXX bank statement, I realized the unauthorized transactions were made ( mentioned above ) and notified Chase ( submitted a claim # XXXX ). I reported to Chase again on that day that had received an e-mail form Chase notifying me on XX/XX/XXXX that my debit/credit card might have been compromised and they claimed to have sent me a new card but I had not received it. The card that was compromised and the new card which I never received were both cancelled by Chase and was told a new one was issued to me on XX/XX/XXXX. On XX/XX/XXXX I called Chase to follow up again because the day I made the report, I was told to sign the report letter that would be e-mailed to me and send it to Chase, but I never got it. I logged into my Chase online account and looked at my statements and documents, but there were no letters or notifications about my report posted for me to sign. I called Chase to follow up and get the form, but I was told by the representative who answered my call that I didnt need to sign any letter. I was told it was not needed anymore. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX notifying me that they determined the transactions were authorized and they will not return my money. I called Chase again on XX/XX/XXXX to reopen my case and asked Chase to do their due diligence and look into the matter since I did not authorize the transactions and was not present at the claimed location where the transactions were made XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. They reopened the case and it will take an additional 5 days for a final descision. I never received the new debit card that was supposedly mailed to me on XX/XX/XXXX, Agent XXXX at Chase told me a request for a new card was never placed for me on XX/XX/XXXX as I was told by Chase that day. So, XXXX, in the fraud department said he would send me a new card on XX/XX/XXXX for the 2nd time. Step 4 : What company is this complaint about? This complaint is about my bank JP Morgan Chase Bank, N.A ( Chase ), for an unauthorized transaction that was charged to my bank account without my consent. The bank is not doing its due diligence in properly investigating the matter or in protecting my assets. I was never at the location where the transaction was made ( in person ). Why cant Chase request surveillance video recording of the time and place from the XXXX store where the purchase/transaction was made? Chase is not able to provide me with a signed receipt of the credit card transaction, nor was the transaction a debit card transaction in which my pin number has to be validated. Chase has not shown me proof that the transaction was made by me in writing or in any other format. The only claim Chase has is that a card with my debit cards number was used at the location. That does not prove it was me or that I consented to the transaction. If my card was duplicated or compromised, Chase has the obligation to protect my assets. When I opened my checking account with Chase I was told my money was protected and that I was not going to be responsible for any unauthorized transactions. Why cant they do their due diligence and properly investigate? Step 5 : Who are the people involved? JP Morgan Chase Bank, N.A ( Chase ) and XXXX XXXX store located in XXXX XXXX, CA XXXX ( XXXX ) XXXX. | ||||||
| 07/18/2018 | Yes |
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| Good Afternoon, My name is XXXX XXXX, I am writing this complaint against chase Auto Financing for my car loan. I bought XXXX XXXX XXXX in XXXX. I have the loan for 72 payments. I have done some skip payments that were added to the end of my loan. I also have been late with payments through out my loan time. On XX/XX/XXXX ( some where around that time ) I wanted to go and trade my car in. As the car dealer called to get the pay off figure with chase Auto. The pay off Figure at that time was XXXX. I was a little confuse as to why it was still so high. But, anyway could not trade the car in because of credit and the amount I still own on the car. So on Monday XX/XX/XXXX I decided to call Chase Auto to make a payment on my account and I also asked how many payments did I still have on the existing loan. The lady from chase told me that I owed 9 payments. so I was like ok. I took my car payment amount of XXXX x XXXX = XXXX. So I was Like ok can you tell me what my Pay off amount is. She told me that my pay off amount was XXXX. So then I question her as to why my pay off was so high when my payment left on the car was XXXX. She told me that I had 3 skip payments that were added to the end of the loan. I said ok So I took my XXXX x XXXX which would include the 3 skip payments. this came out to the amount of XXXX so I said that makes a difference of XXXX, XXXX that is in question. She proceeded to tell me because I was late with payments over 20 times and late fees and what not. I told her that is insane and that I did not agree with this. wanted to speak to manager and she said that they were all busy. So I hung up and then I called back and spoke with a gentleman. He proceeded to tell me that the XXXX was all interest that I owed because I was late. I was like how. everytime I was late I paid the late fee with my payment. so I was a little frustrated and was XXXX and getting angry and loud with the gentleman. he was like I can give you a copy of your payment history. I said I do not understand if I was late and then made the late fee payment why that did not include the interest. he said no it dose not so my late fee amount were like XXXX so I said what don't make scense to me is that I have had this car for 6 and 1/2 years and I still owe a lot on this car and I can't get out of the loan because I owe too much to trade it. so I said well my car payment was XXXX a month I have always paid XXXX to round it up and know your saying I still owe XXXX on top of my payment owed. I do not even understand. he proceeded to tell me that there late fee amount is XXXX per day until I make the payment. I told him that was rip off and that I never was told that and. he told me its in my contract and that there is nothing I can do but to pay off the car. so when I said that the company is horriable and they don't work you and all this XXXX he said we do work with you because I made 62 payments on a XXXX2 payment loan. so now its 10 more payments and yet that is not how it come out to me. so this just frustrated me even more. so I got off the phone with him and then thought about it and thought about that I called again for the 3 time in one day and spoke to a ladey that I did not get attitude with but just for them to email or fax me a copy of my payment history. So she took my information and I proceeded to wait. So at the end of the day I did not get a fax. So on Tuesday XX/XX/XXXX I called again about where my fax was. They proceeded that my request was mailed out instead of fax. So I was XXXX on that part again. so I asked if they could do a fax to me as a rush that I wanted to resolve this matter on my interest. ( this is all so I can trade this car in ). So on XX/XX/XXXX Wednesday I did not receive a fax and I check my mail did not receive anything that they said the mail to me. So I again on XX/XX/XXXX I called and talked to someone about my fax. she told me that the request was sent out and they have no control as to when I will get my fax. I told them that I did not understand why it takes so long to get a fax. I was XXXX and hung up. I am now turning to you. I think that they are charging me way too much money on interest I don't feel that I should have to pay that much interest and I this point of the loan I should be able to trade it in. please help to resolve this matter. thanks so much for all your help | ||||||
| 01/04/2023 | Yes |
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| Unfortunately I do not have access to my account to get dates and amounts as the bank has locked me out of my account. But I can give you details as to what has happened. I had an account with JP Morgan Chase. In XX/XX/XXXX I noticed some charges reversed from my XXXX XXXX XXXX XXXX XXXX XXXX I called the bank, they said they did not reverse charges. I called my auto lender and they also said they did not reverse charges and as far as they were concerned they were paid. XXXX of the other charges reversed was for a trip thru XXXX. I called XXXX customer service. They were ALSO unaware of any reverse charges and they also had not cancelled my reservation. I continued to called both vendors to make sure they still had their money. The week of XX/XX/XXXX my XXXX XXXX was repossessed. Of course I immediately called my lender XXXX. Which at that point they told me that they had multiple payments that were reversed so therefore I was behind on my auto loan. After multiple phone calls to Chase bank i was instructed to go to a branch. I went the branch that I originally opened my account. Manager told me she could not help me and that I needed to call customer service. The next day XX/XX/XXXX, I went into a different banking branch. The manager and teller were very helpful. At one point he was not getting off the phone until we had answers. At that time we were told that several claims were filed stating all the charges being reversed were claimed to be fraud charges. which is Absolutely FALSE. Especially considering i was the one that called asking about the reversal charges. The branch manager, at that point requested to escalate my case to corp office. the manager provided a letter stating that the claims would be cancelled and all funds would be returned. I sent the letters to the auto lender. As time went on I noticed more charges reversed. One for XXXX XXXXXXXX, which is for our other auto loan. And another XXXX payment reversed. I immediately called Chase bank asking what was happening. They told me claims were filed again claiming these charges were fraud. We called XXXX XXXX to let them know of the reverse charges. They were very nice about it. We have not had any problem with them since. I let the bank know yet AGAIN that these vendors were not fraud charges and that if you look thru our monthly charges you will see that there are multiple charges to both XXXX XXXX and XXXX. And If I was claiming fraud why would i being paying them multiple times a month? The letters that were sent to me stated that the vendors XXXX and XXXX would receive the funds back within 45 days. That was from XX/XX/XXXX. As of today XXXX both vendors have not received any funds back. I called the bank asking for status update. They told me that they received information that I was no longer doing business with XXXX and to not pay them. I asked where did they get this information as that was FALSE. They could not tell me where they got the information. I told them it was not from me. The person on the other end did admit that the information did not come me. I also found charges on my account that I did not make during this time that were fraud. I did file claims against those charges. The bank also admitted the charges were different and had nothing to do with each other. Fast forward to XX/XX/XXXX, XXXX still has not received funds. XXXX has charged me {$250.00} twice for repossession. I have called XXXX at corporate office multiple times ( XXXX ). He has called me once. I literally immediately called back and it went straight to voicemail ( XXXX ). I can not get answers. I can not get a proper return call. I can not get them to send back funds. Also when my account was closed I was in the positive {$520.00}. I have not received any kind of check for the funds. We work very hard for our money to pay our bills. This is affecting our credit and daily life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me get this taken care of now. Thank you. I am probably missing information. This stresses me out so much that at times I draw a blank when its right in front of me. I would provide dates and amounts for the transactions but I have been locked out of my account. XXXX XXXX XXXX XXXX | ||||||
| 05/30/2018 | Yes |
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| On XX/XX/XXXX I received cash assistance. I went to the atm at chase bank in XXXX XXXX Az. I pulled up to the atm and tried to withdraw {$800.00} from the atm which was the max limit according to the instructions on the atm. I put in the my pin and it said please take your cash. I could hear the atm making noises like it was going to give it to me but it never did and the screen want back to the main screen. The atm didnt give me the {$800.00} cash and it didnt give me a receipt so I then put my card in and tried it again for {$800.00} and it then said insufficient funds. I thought how could that be it didnt give it to me? I called to check the balance and it wasnt available on my card anymore. I then called the number on the atm which was the customer service XXXX for chase. I was told that because Im not a member of chase they cant look up or track my card and that I would just have to file a claim with the card issuer. I then called the XXXX number for the ebt card I was told that I could file a dispute for the transaction but I would have to wait till Monday because that department was closed on the weekends. The woman I spoke with said that she made notes of our conversation. I then went to a different bank and was able to withdraw the remaining balance on my card. So then I knew it was a atm error. On XX/XX/XXXX which was the following Monday I called the chase bank numerous times that morning couldnt get thru I then called a different chase location here in town I explained what happened he also said cant track the card but most likely the transaction would fall off by itself because it a atm error. I continued to call the chase atm location. Still no answer. I then called Ebt customer service number and they transferred me to a department that filed a claim. I filed a dispute claim for the atm transaction in the amount of {$800.00}. I was told that it would take 25 days for me to know if the claim was approved or denied or for any information. I explained to them Im desperate for this money i need for bills and a truck payment. I was told they couldnt rush it and I would have to wait 25 days. So I then called chase again I asked to speak with a manager and explained what had happened. She then also said because your not a member of chase we cant track your card number and that she couldnt give me that cash because they dont monitor the atms and its not like she can open the atm and count the money and give me the cash. She said we needed to file a claim the card. I begged this women and cried pleaded with her to give me the money I explained to her that I was desperate for this money cause I needed to pay bills I was going to lose truck if I didnt get the money. I even asked if I open a account could they give me a advance or something because I said the money is still in your atm it never came out. She said Im sorry we cant do that. I told her that I did file a claim with card but I need the money now. She was no help. I continued to call the customer service chase number they all kept telling me the same thing. I also kept calling the ebt card asked to speak with managers I was told same thing I head to wait 25 days because filing a claim means someone will investigate it and it just a process. They also that its the state that will put the money on the card. They told me were just card we dont deposit or have any access to the money were just the card its the state that deposits the money. I assumed filing this claim would ultimately get my {$800.00} back but I have yet to receive it. I continued to call ebt card about once a week to check status and was eventually told that my claim was approved on XX/XX/XXXX but I would still have to wait 25 days. XX/XX/XXXX was the 25th day for the claim but still no money. I called ebt card again spoke to a manager she told me I should be deposited soon if I dont get it by XX/XX/XXXX I should call my local state office. I called the XXXX State office was told they told me we deposit money. Call XXXX STATE office I was then told by a manager that we already put money on the card why would we put more money on it. I told her that the atm didnt give it to me. She said on there end the transaction when through so I should be dealing with bank to get the {$800.00} back. Chase bank isnt helping me the ebt card isnt helping me. I didnt receive the money. | ||||||
| 07/06/2017 | Yes |
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| JPMorgan Chase & Co XXXX XXXX XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute a fraudulent [ deposits or withdrawals ] to my checking ] account. I dont even know the amount of these transactions. I am a victim of identity theft, and I did not make these [ deposits or withdrawals ]. I am requesting that the [ I be removed off of XXXX XXXX XXXX ], as well, and that I receive a letter stating so. I opened acct. # 1 & 2 with Chase on the same day with the upmost of good intentions. My XXXX daughter XXXX, was going away to college and I thought it would be easy for us to bank at the same place just in case she need money. The Bankers name is XXXX XXXX, I ensured him that there will be no checks deposited, only cash in her account. As for me, I informed him that I receive {$1400.00} for XXXX assistance only and I was going to get that direct deposited for the next month. I dropped XXXX off to my oldest daughter house on XX/XX/2013 to spend the night. She asked me can she take her bank folder with her so she can read up on the bank. XXXX has XXXX XXXX, she walks with XXXX and XXXX XXXX I walked her in the house and told her to put her folder up in her sisters room when shes done. Within 48 hours I got a call from XXXX XXXX that opened our accounts, asking me did I make a check deposit in both accounts. I said NO! Then XXXX XXXX asked me if I had time can I come into the branch. I said sure. I made it there before closing. I sat down with him, and as he pulled up both of our accounts someone was making a withdrawal while I was sitting there with him! I had my card with me! So immediately I told him freeze both accounts! Before I left the Bank XXXX XXXX told me to give him my bank card and he will shred it and I will get another one in the mail, after the XXXX XXXX investigate the fraudulent activities on both accounts. XXXX XXXX called me back a few hours later and said that both accounts were still opened and deposits and withdrawals were still being done! I called my daughter XXXX to see if she still had her Chase Debit card in her folder. She told me that she slept with her glasses on and they broke and she couldnt see nothing but the folder. I left the bank and drove to my daughters house and got the folder. I sat in my car and went through her folder and there was no debit card! I went in the room she slept in and tore it apart looking for her card to see if she may have dropped it somewhere in the house. She told me that she walked to the park area with my XXXX XXXX XXXX grandson and was reading the bank package there. I walked to that area and didnt see her debit card. I called the Banker and told him that she lost her debit card! The canker told me that he had to close our accounts! Im like I asked you to close them when I was in your office, then no one could make any transaction on our account. As for the 3rd Chase account that I opened, the banker said that they had a forgiveness program and I qualified for that. That account was closed in 7 days and my monies was mailed to me in a check. Please investigate this matter and delete the fraudulent [ charge in XXXX XXXX XXXX ] as soon as possible. I was wondering since XX/XX/2013 why, banks were denying me the right to open up an account with them! Im no in XXXX XXXX for any banks, my credit report do not reflect nothing of me ever having a Chase Bank account. If I owed Chase money, for whatever reason they put me in XXXX XXXX XXXX, why didnt they report it to the credit Bureau? I could have added it to my bankruptcy! Im not a criminal, I opened those accounts with honest and good intentions. Im a very honest person. Chase Bank may not ever allow me to open an account with them, in which I have no other choice but to except their decision. With them having me in XXXX XXXX XXXX, I cant open up an account at any bank, in which is so unfair to us. If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do until I attended a 1st Homebuyer program last week. I would appreciate a response from you in writing or email. Thank you for your assistance. Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration | ||||||
| 02/11/2020 | Yes |
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| XX/XX/XXXX, I sent a request to Chase to modify the terms of my mortgage agreement. XX/XX/XXXX received letter from Chase informing me of the loan modification process. I had a first and second mortgage to modify. The first mortgage went with no hitches or issues and didn't adversely affect my credit score. XX/XX/XXXX, I receive a letter from Chase requesting additional information for loan modification. I faxed the requested information the same day. XX/XX/XXXX, I receive a letter that my application for mortgage assistance is complete and that my application will be reviewed and Chase will let me know the results by XX/XX/XXXX. I was told verbally in XXXX, that I didn't need to make mortgage payments while the loan was going through the modification process. XX/XX/XXXX, I receive a letter that my mortgage payment hadn't been received. The letter provided a number for an automated system at XXXX. The message on that number clearly states that making a payment while undergoing loan modification could adversely affect the loan modification process- so I didn't make a payment. I called Chase but the person on the line wasn't able to tell me whether or not I should make a payment. My relationship manager wasn't available to speak with. By the time she returned my call, my credit account already showed that I was 30 days late with a payment. I told my relationship manager that I was told verbally, and through phone message to not make a payment while going through loan modification. She told me that Chase would never tell anyone not to make a payment. Yes, Chase, this is exactly what you tell people. I had two relationship managers during the loan modification process which seemed to affect communication. XX/XX/XXXX, I receive a letter informing me that I had been approved for a trial period plan and I had to make payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Which I did. So, on XX/XX/XXXX I receive a letter directing me to make a payment- although the automated system tells me NOT to make a payment while undergoing loan modification. And on XX/XX/XXXX, I receive a letter informing me of the dates to make a payment. My credit report currently reads that I was 30 days past due in XX/XX/XXXX and 90 days past due on XX/XX/XXXX. Why it doesn't say I was 60 days past due in XXXX is a mystery to me. What I found out yesterday when I called Chase ( XX/XX/XXXX ), was that since I didn't make a payment in XXXX or XXXX ( although I was told not to make a payment while undergoing loan modification ). I've called Chase multiple times concerning my account and each time receive different answers. I was told that I didn't make a payment in XX/XX/XXXX and that's why my credit report showed 90 days past due in XXXX. I faxed Chase a copy of my cancelled check and a copy of my bank statement only to find out, I was showing 90 days late from missing the payment in XXXX. I filed for XXXX to complete an investigation into this account. No changes were made. I sent additional information to Chase in XXXX- they have acknowledged receiving my request. I was under the impression Chase had 30 days to respond to my inquiry? I have heard nothing from Chase since XXXX. I had to spend nearly 3 hours on the phone with them on XX/XX/XXXX to find out the status of the investigation. What was clear to me during that phone call, was there was no investigation, no one looked at the information I received. I found out during my phone conversation yesterday that I entered loan modification 30 days past due on my mortgage account. When I entered loan modification, my credit score was over 800 and I had never missed a mortgage payment- 480 months with a payment made. I also found out yesterday, that although I might have received a letter in XX/XX/XXXX, that might have made me believe that I was involved with the loan modification program, since I wasn't officially entered into the program in XX/XX/XXXX, I should have made a payment for XXXX. It doesn't help me much to find this out in XX/XX/XXXX. And to show me 90 days behind although I made all payments as directed by Chase? Seriously? I am under the firm belief that I did absolutely everything demanded of me during the loan modification process. I am aware that loan modification can affect my credit score but showing me 30 or 90 days late is incorrect. | ||||||
| 01/03/2019 | Yes |
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| We want t express my frustration on working on a Short Sale request with JP Morgan Chase and FHA Mortgage my Investor. Not only did they make the situation matter more complicated, they made it worst. It all started when I requested a Loan Modification back in XXXX. More than 6 years ago, I requested a loan modification on my house because we were experiencing an extreme hardship, in our income due to a reduction of hours, and we were not making the same amount that we were once making. Throughout the whole process, JP Morgan Chase kept denying us a Loan Modification due to income. I don't understand how the income did not reach to make a payment in which we were making more than when we brought the house. Last year by the end of XX/XX/XXXX, we were trying to complete a review for a Loan Modification and were denied after almost a year of being not only under review by the underwriters, but also they kept requesting more and more documents which kept delaying the file. On XX/XX/XXXX, I was denied a Loan Modification due to the Income was not sufficient to make an affordable payment. In this case, {$9700.00} Gross Income was used and {$6800.00} As Net, how is this possible that with an income of almost {$120000.00} we did not qualify for a house that was not even worth {$300000.00} at the moment. We were told we need it to Sell the House in a Short Sale. Back in XXXX, we called Chase and asked what is the process to execute a short sale. They advise us we need it to " List the Property '' and come up with an accepted offer and a contract to execute the process. The property was listed on XX/XX/XXXX as per their request, with a Listing Price of {$340000.00} that was the Appraised Value at the moment. By XX/XX/XXXX we had an accepted offer and went into contract on XX/XX/XXXX { attached is the contract of sale }. The Short Sale Package was Faxed over to JP Morgan Chase on XX/XX/XXXX along with Corresponding Documents for the Short Sale. By XX/XX/XXXX, the file was assigned to XXXX XXXX as a Home Reservation Specialist. As a general path, documents were requested throughout the whole process, such as new RMA, Pay stubs, bank statements and letter of explanations. On XX/XX/XXXX, we were advise the file was Conditionally Approved for a Short Sale. The following week, we called lender and they advise they just need to execute an Appraisal which was part of the Guidelines set by FHA. Once the appraisal came in, property was valuated at {$380000.00} and a counter offer needed to be made by buyers due to the fact that at 88 % of the Net Proceedings, which was a Net of {$330.00} would not cover this Net along with other expenses as far as Real Estate Commission, Transfer Tax, Deed Charges and Relocation would not cover under the offer of {$350000.00}. We spoke to buyers and they agreed to do a counter offer of {$380000.00} in which JP Morgan Chase Requested { Letter is Attached }. Now after all work has been done, and we are trying to execute a Closing Date, JP Morgan Advise that FHA has decided not to move forward with Short Sale and Move Forward with a Foreclosure Proceedings and Sell the House at Auction { Letter is attached }. How is this possible that we have gone through a process of nearly 6 months, and now they put this clause. Its not fair that I been trying to get help since XXXX, and all you have wanted was to foreclosure. Now I'm under the predicament and Im facing even a worst issue. Buyers are threatening to sue me due to a breach of contract if I dont comply with the sale of the property under the short sale. They are also suing me for expenses accrued on the short sale process such as their appraisal, which has been done twice and a property inspection all accumulation to {$1500.00}. This is not fair, all we want is to get a workout that would be a win win situation for all of us. I want to sue Chase for everything that they are doing to us, specially now when we were finally approved at least for a short sale, but you want to remove it and do an auction due to finding out the rel price of the property. This is observed and you should be ashamed of yourself. JP Morgan Chase is claiming that the Investor is FHA and they have the power to do what ever they want. I want whats right to be done in this case before I sue JP Morgan Chase and also sue FHA Mortgage under the court of law. | ||||||
| 09/13/2021 | Yes |
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| I was a victim of a XXXX XXXX fraud scam. A prerecorded message was sent to me saying my service was about to be turned off, which happened to be my daughter 's new address and apartment. When I called back the number I was directed to call, the supposed rep for XXXX XXXX, a gentleman answered and said XXXX XXXX had a new 3 month security deposit that new customers needed to pay in order to establish credit with the company. He said this policy started being implemented during XXXX and that the amount would be refunded after three months. The amount was for {$990.00} plus, the outstanding balance of {$270.00} which of course was not true, I asked if it was possible the tenant before my daughter had not paid their bill and most likely it was their outstanding balance affiliated with this account. When I asked to speak to a manager above this man 's level, he sent me to another ( XXXX ) number to call and verify this information. I called the number he gave me and the person answered as XXXX XXXX and confirmed the security deposit and payment. I was told to wire it through XXXX to a manager in accounts payable in order for it to clear immediately before the service was shut. I had JP Morgan Chase on the phone with me, during this conversation. The rep for Chase said she she was unsure of this claim and a security deposit being asked by XXXX XXXX by the new customers. I then asked to speak with a manager above this rep to confirm this new policy. When I called what was supposedly a manager at XXXX XXXX, Chase was on the phone with me. It sounded legitimate so I gave the go ahead to release the {$990.00} " refundable deposit. '' I then received a call back from XXXX XXXX, saying that the account number I entered was not right and for me to resend to a different manager which was still pending through XXXX to clear. During that time, I then received a third call, which was supposedly another manager in Customer Service at XXXX XXXX saying that the amount that was authorized was wrong and that the true amount due was {$1400.00} which was the {$990.00} deposit and amount overdue on the account. I called Chase again while still on the phone with this impersonating XXXX XXXX rep and re-accounted the situation with the rep from Chase. I told Chase that I was calling under duress and explained what was happening, now believing I may be a victim of a scam. The rep this time for Chase advised me not to make the payment and my account was then frozen. I tried to get into the account to see the activity but could not and to be sure the pending funds were cancelled. When I couldn't access the account, I immediately called Chase to confirm all pending transactions were being cancelled. The rep said there was 2 pending amounts each for {$990.00} but that they would be cancelled by Chase. The rep read the names of the two cancelled payments- saying both were for {$990.00}, he said two of the names, but not the name of the one that had gone through. I could not see my account and therefore was trusting Chase when they said they were cancelling the activity of these transactions, that all was frozen. I was assured they were by Chase. The next day, I saw that Chase allowed one of the payments to go through. I called Chase immediately and asked how that happened, as they had assured me when I spoke to them the day before that any transaction in the amount of {$990.00} would be cancelled? They claimed once it was released, they could not reclaim it and would not be able to reimburse my account for the {$990.00} I was assured had been stopped before it went through. Chase is part owner of XXXX, they assured me they were stopping the payments when in fact they did not and are now telling me basically - tough luck, you're out {$990.00}. I believe they are responsible for allowing this transaction to go through, they knew there was fraud activity on the account and were able to freeze me out of getting into my account, how can they possibly claim they couldn't stop a transaction pending? I am looking for full reimbursement by Chase and have uploaded the transaction that is referred to in this complaint. I have also filed a complaint with the police department which has been turned over to detective in the XXXX XXXX division. Thank you for your help in advance, I look forward to hearing from CFPB with a resolution. | ||||||
| 10/05/2023 | Yes |
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| Re : Dispute of two Chase credit card charges related to a XXXX XXXX car rental Disputed Charges Type : Partial Dispute Reason for Dispute : Bait-and-switch, Breach of contract Posted : XX/XX/XXXX Description : XXXX XXXX XXXX Reference XXXX : XXXX Amount Posted : {$1400.00} Amount Disputed : {$380.00} Type : Full Dispute Reason for Dispute : Breach of contract Posted : XX/XX/XXXX Description : XXXX XXXX XXXX Reference XXXX : XXXX Amount Posted : {$160.00} Amount Disputed : {$160.00} Statement ( First Dispute ) On XX/XX/XXXX, I made a car rental reservation with XXXX XXXX via the XXXX website, for pickup at XXXX XXXX XXXX XX/XX/XXXX at XXXX, and XXXX at XXXX XXXX on XX/XX/XXXX at XXXX, for XXXX XXXX XXXX sent me a booking email, which contained these details, the reservation number XXXX, and ended with the phrase, WE LOOK FORWARD TO SEEING YOU! ( See XXXX - Your booking request for XXXX XXXX. ) No further communication was sent by XXXX regarding this reservation, and, absent any further communication, this is sufficient for any reasonable person to believe they had entered into a contract for the reservation of a rental vehicle with the stated type, price, pickup, and return details. XXXX did have my mobile phone number, email address, and the ability to send a push notification to my mobile phone, but chose not to use any of these means to contact me beyond sending me the booking request email. Upon arrival at the XXXX XXXX XXXX rental counter, at or about XXXX on XX/XX/XXXX, XXXX XXXX informed me that at some point within the preceding XXXX XXXX had unilaterally XXXX the rental reservation. XXXX further stated that no similar vehicle was available for rent. XXXX informed me that they could only offer me a lesser car at a higher walk-in rate of XXXX. ( See XXXX - Rental Agreement.pdf. ) With no other way to complete my trip, I was forced to accept XXXX new terms a lesser car for a higher rate. This the difference in rental rates represents an absolute markup of XXXX, plus an undetermined relative markup for the difference in car quality between the reserved premium car ( XXXX XXXX XXXX, XXXX XXXX XXXX or similar ) and the lesser available car ( XXXX XXXX XXXX. XXXX was clear and adamant that they did not intend to honor the reservation price, they acknowledged that XXXX alone had cancelled the reservation, and they acknowledged that XXXX XXXX not have notified me of any such cancellation. XXXX engaged in clear bait-and-switch tactics, which are prohibited by law, by offering me XXXX product and then effectively forcing me to switch to a lesser, more expensive product. As such, XXXX is liable for the difference in rental rates of no less than XXXX. Chase appears to have converted this charge from XXXX XXXX XXXX at a rate of XXXX, thus the disputed difference of XXXX equals {$380.00}. Statement ( Second Dispute ) As per the rental agreement with XXXX, the rental car was due to be returned to the XXXX XXXX XXXX XX/XX/XXXX at XXXX ( i.e., a few minutes after midnight ). ( See XXXX - Rental Agreement.pdf. ) At approximately XXXX on XX/XX/XXXX ( i.e., approx. XXXX hours before the car was due to be returned ) I received a call from XXXX staff at XXXX XXXX XXXX XXXX return location. XXXX asked me what time I planned on returning the rental car. At the time I was approximately XXXX ( XXXX ) away from the rental return location, so I answered that I was unsure, but I was aware that the contract stated something like midnight that same night. XXXX informed me that they would not be available to receive the return at the contract end time and that I must either return the car before they left for the day ( i.e., within XXXX hours of their phone call ) or extend the rental for an additional day. While I can appreciate that XXXX might not be available for the car to be returned at the contracted time and place, this is not my fault and should not become my expense. Without my consent, XXXX extended the rental by XXXX day, resulting in an additional charge of {$160.00}. I was never given any receipt or documentation for this additional charge. Because this charge was at XXXX decision, for XXXX convenience, and in breach of our rental contract, XXXX must be liable for this entire extra expense. This was a charge for products or services that weren't delivered as promised. | ||||||
| 01/27/2019 | Yes |
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| I moved house, the moving company misrepresented the service, the moving company turned out to be a clearing house for the company that showed up to move the furniture. They left a lot of goods behind, and did not respond to our requests to render assistance. They damaged furniture, broke pieces and falsified records The owner threatened me personally. We disputed the charge and filed all releavant data with Chase Cardmember services. Chsae cardmember services paid the merchant! I reopened the dispute. After 6 months and a lot of effort filling out details for Chase cardmember services I learned today they have again paid the merchant. I have raised a huge number of issues with Chase Cardmember services themselves regarding their own systems. They are deleting correspondence from their own website so clients who make a complaint about a wayward merchant have no access to records they themselves authored about the case against the merchant. I have written to them asking them to address my concerns and got no response from Chase Cardmember Services. I have documented the damages and taken photographs of the damaged furniture but Chase cardmember services refused the photographs and refused to provide an email address for correspondence. Today, for the first time I was given a Post office Box address to write to about my concerns and this complaint, Chase Cardmember services sold to me their services because they offer this service to protect clients against dishonest merchants, but in this case they have only acted in the merchants interests. They have singularly failed to act in the interests of their client and customer, and have yet to give any answers to the questions I have raised about this process, their actions in it, and how they can possibly arrive at the decision to find in the merchants favour, and then go against my express instructions and pay the merchant without taking any time to inform me, the client of their decision or action. They just took the money from the account and gave it to the merchant without even letting me know they would do this. I have provided everything that Chase Cardmember Services have asked me for. Only an XXXX would find in favour of paying the merchant after the multiple provable failures the merchant is responsible for. I can only understand this if it is Chase Cardmember Services direct responsibility to pay the merchant no matter if they are responsible or not. I have repeatedly asked Chase to get out of the way so I can sue the merchant and they have not agreed to do this either. How can one get Justice if the very industry itself is helping the crooks walk away with the loot? Chase Cardmember Services.was asked again today to provide answers to their actions in this matter and they have refused to do so. I asked to speak to the management and was told the book stops with the supervisor XXXX at XXXX XXXX today You need to investigate this and not just the case, the phone calls both directions will shed a lot more light on this. Their website is designed to make the client make mistakes and potentially cancel complaints in error, The website is atrocious and the company actively deletes details from active cases without warning the client it will do so. Events started XX/XX/2019 when I disputed the companies charge of {$5500.00} against my credit card.Right after being threatened by the owner for refusing to sign the paperwork to pay the driver. Having note then damaged the chairs and tables and other expensive items of furniture in transit. left goods at the house I moved from. Refused to arrange transport to pick those items up, The list is long, the expense is great for me! And now I find that Chase Cardmember Services is completely ignoring my instructions to inform me when they make a decision and they actually paid the merchant! I know I am not rich and I understand I am considered by the people who run these companies as a bothersome itch, but there has to be Justice here. I asked XXXX to discuss this case with his management, since he could not relay me to that person, and they should get back to me to discuss this but I have not heard anything back. I have the correspondence logged and I am making this complaint to Consumer Financial Protection Bureau because this is the last place I might get justice. Please advise? | ||||||
| 01/18/2018 | Yes |
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| Memo to CFPB To Whom It Concerns : I am writing to request the CFPBs help in resolving a problem of Chase Bank misreporting a previous debt that was discharged in Foreclosure. On XX/XX/XXXX my wife, XXXX XXXX XXXX and myself purchase a home at XXXX XXXX XXXX, XXXX, AZ XXXX as a second home. We purchased the home with a deposit of {$47000.00} from our personal funds and a 1st mortgage for {$370000.00} and a Purchase Money 2nd Mortgage from Chase Bank for {$46000.00}. Please note ; this was a Purchase Money 2nd and not a HELOC. See attached Exhibit A, the HUD Settlement Statement documenting the transaction. Unfortunately, due to the severe recession we lost everything. My job, our primary residence in XXXX, AZ, this home in XXXX, everything. We desperately tried to keep afloat with savings, but that to was eventually drained and we had no alternative but to let the properties go into foreclosure. The property in question was ultimately sold in a Trustee Sale on XX/XX/XXXX. See Exhibit B, the Trustees Deed Upon Sale attached. Attached as Exhibit C is a copy of the Mortgage Loan Statement for the 2nd from Chase for loan # XXXX dated XX/XX/XXXX which shows a balance of {$43000.00} which is almost a {$3000.00} reduction from the original loan amount borrowed of {$46000.00}. Attached as Exhibit D is a recent Tri-Merged Credit Report from XXXX XXXX XXXX datedXX/XX/XXXX/2018. Note ; that XXXX is not a reporting agency, but a service that compiles the information from the three major reporting agencies of, XXXX, XXXX And XXXX. The first item reported is the 2nd Mortgage with Chase which shows a balance of {$43000.00} which corresponds to the balance on Exhibit C Mortgage Loan Statement. As you can see on Exhibit C the loan was reporting past due because we had not been able to make a payment since XXXX, XXXX. However, Chase continues to report it due even though it was discharged when it was sold on the Trustees Deed Upon Sale in XXXX, XXXX. The 1st mortgage which was also with Chase is reported correctly. See the first item reported on page 4 of the Credit Report, Chase Mortgage Loan # XXXX, showing it as a Foreclosure Paid with a balance of XXXX. Subsequently, the 2nd Mortgage loan number XXXX should be reported exactly the same. MAKE NO MISTAKE, THIS WAS A MORTGAGE NOT A CONSUMER DEBT as Chase claims. Chase continues to obfuscate and fraudulently report this as a consumer debt and has ignored my repeated request to report it correctly. They know it is a mortgage that falls under the Arizona Revised Statue 33-729.A and should be treated and reported the same as the 1st Mortgage. See exhibit E, Arizona Anti-Deficiency Statue attached for reference to the laws in Arizona regarding mortgage debt discharged in foreclosure. In addition, it is obvious from the Mortgage Loan Statement, as stated on their own bill, not consumer loan statement, that no payment had been made after the Trustee Sale onXX/XX/XXXXXX/XX/XXXX. Yet Chase is reporting last activity of XX/XX/XXXX. It is clear there has been no activity after the Trustee Sale of XX/XX/XXXX which is another blatant and clearly fraudulent attempt by Chase to cause further damage to our credit history and inflict harm to my wife and myself. And, if in fact Chase does claim this to be a consumer debt and there has been no activity since XXXX it should be removed completely from our credit report because it is over 5 years since the debt was written off and there was absolutely no activity in XXXX. There couldnt be! We also tried to have XXXX XXXX XXXX report it correctly, but they pointed out that all they do is compile the information from the three reporting agencies previously mentioned and that they can not change anything, but only report the information provided to them. My wife and I have had an extremely difficult time trying to get back on our feet and our hope is that we can own a small home again. Unfortunately, Chase is doing everything they can to destroy that dream by reporting on our credit fraudulently which is clearly spiteful with intent to damage us. We are asking the CFPB to please investigate this claim against Chase thoro ughly and if found in violation of the Fair Credit Reporting Act ( FCRA ), 15 USCS $ {$1600.00} to fine the company to the fullest extent allowed by law. Thank you. Sincerely, XXXX XXXX XXXX | ||||||
| 10/11/2018 | Yes |
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| My husband and I completed and submitted to JP Morgan Chase NA a " Request for Mortgage Assistance '' application ( with all requested documentation and each page labeled with our account number ) 26 times via fax, USPS certified mail, and XXXX since XX/XX/XXXX. Each time we sent our application to Chase, we received confirmation from our fax machine, USPS, XXXX and/or Chase branch location employees that the documents were received ON TIME ( usually days or weeks in advance of any Chase imposed deadlines ). XXXX even provided us with room locations of where they delivered our application to within the Chase offices at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, Colorado along with the NAME of the person they gave the application to at the Chase offices there. However, Chase repeatedly states that they never have received ANY of our applications despite our having proof that they did on multiple occasions, plus our having confirmation of Chase 's receipt by USPS, XXXX ( with specific names, dates, times, and rooms with the Chase office building in XXXX, Colorado ), and by Chase branch location employees, branch managers, and vice presidents. Chase asked us to submit ANOTHER application to them by XX/XX/XXXX and we did so via XXXX 2nd Day Air on XX/XX/XXXX ( 17th submission ). As a back-up we also faxed the application and requested documents to Chase twice ( 18th and 19th submissions ) on XX/XX/XXXX from our home. Furthermore, we took the application and documents to a Chase branch on the same day and had the Vice President and Branch Manager ( Initials : XXXX XXXX ) fax the documents to Chase ( 20th submission ) and verify their receipt via telephone confirmation. We also had a Chase Private Client Banker ( initials XXXX XXXX ) at the same branch fax them to Chase again ( 21st submission ) on XX/XX/XXXX. He too confirmed the receipt of those documents to Chase in the appropriate location and department via telephone. As expected, Chase promptly sent us another form letter telling us that the documents were not received within the time-frame allowed. Chase employees at the branch location ( XXXX XXXX. and XXXX ) assured us that Chase would properly process our application and documents. Chase, however, did not. A few days after the XX/XX/XXXX Chase imposed deadline Chase XXXX as expected ) sent us another letter informing us that they did not receive our application and requested documents within the specified time-frame. That letter was soon followed by another letter from Chase requesting that we send the documents to them again. As a result we faxed the documents ( 22nd submission ) to Chase from our home in four parts on XX/XX/XXXX, and again ( 23rd submission ) through a Chase branch by an officer and private client banker ( initials XXXX XXXX ) who confirmed their receipt to Chase in the appropriate location and department. Furthermore, from our home we faxed the documents to Chase twice ( 24th and 25th submissions ) on XX/XX/XXXX. We received confirmation of delivery to Chase on both of those faxes as well. We have attached our application and requested documents with this complaint. Since this represents our 26th document submission to Chase at the address and department fax number specified in our Chase letters ( all having arrived prior to stated deadlines ), we are taking proactive steps in anticipation that Chase will once again FALSELY claim that they did not receive our application and requested documents. We have spent a total of {$98.00} since XX/XX/XXXX on postage and shipping to get our application to Chase in XXXX, Colorado. We, along with our attorneys strongly feel that we have submitted our application and documents to Chase an adequate number of times. In fact, it is totally ridiculous, incredibly egregious, and demonstrates gross negligence and/or incompetence by Chase employees that submitting our application to Chase 26 times would even be necessary. Since this matter involves a VA loan, the death of a U.S. military veteran, and four years of Chase violating the CFPB rules regarding Bulletin XX/XX/XXXX ( according to two attorneys who have reviewed our case ), we intend to use all available options ; our attorneys, our advocate at the U.S. Department of Veteran Affairs, and our two U.S. Senators as needed to bring about a proper resolution to this matter. | ||||||
| 09/07/2022 | Yes |
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| Hello, My name is XXXX XXXX XXXX and I really need some assistance. I believe I have been scammed in the XXXX and I dont know what else to do. I am an Owner of a XXXX in XXXX XXXX in the United States, and I ordered some XXXX furniture and sent {$4900.00} via Wire on XX/XX/XXXXXXXX from Bespoke interiors specialists limited online on XXXX ( @ XXXX ) XXXX photos and videos and they have not sent my furniture nor have they refunded my money and my bank hasnt had any luck on reversing the wire. Below is a timeline of this order : I ordered XXXX XXXX XXXX @ {$690.00} Each and a XXXX XXXX @ {$790.00} and that had to be handmade. I sent my initial deposit of {$690.00} ( XXXX ) on XXXX in form of a wire transaction # XXXX from my bank. He contacted me via XXXX on XXXX and state that the furniture was completed and ready to ship and I was to make the final payment. So I sent him {$2900.00} on XXXX via Wire transaction # XXXX and then he contacted me on XXXX and stated that I was short on the amount that I sent so I sent on XX/XX/XXXXXXXX in form of a wire {$1300.00} transaction XXXX. Never received my furniture, Mr XXXX XXXX message me on XX/XX/XXXX and stated that the furniture was being shipped off. sent me a copy of the invoices ( attached ) e from the shipping companies XXXX XXXX XXXX and then it was suppose to be transferred to XXXX once arrived to XXXX. After a month later I reached out to both companies and the responses were very troubling to say the lease On XX/XX/XXXX I reached out to XXXX XXXX and this is there response Copy of Email Attached. Dear XXXX XXXX, We apologize for the inconvenience caused by the delay in the delivery, We understand the situation and we will be glad to assist you, we know how important this shipment is for you. Our records indicate that the shipping label has been created ; however, your shipment has not been physically handed over to XXXX. I recommend contacting your sender to confirm the shipment 's exit date. You received the XXXX number because it can be generated electronically before it is actually picked up. When we pick it up, you will see a Pickup checkpoint scan. You can avoid this situation in the future, if you have a XXXX Account, you will be able to schedule pick up outside XXXX by yourself. On XX/XX/XXXX I reached out to XXXX XXXX and this is there response copy of Email From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX AM To : XXXX XXXX Subject : RE : XXXX XXXX - XXXX XXXX Hi, Thank you for your reply. This shipment was returned to sender. Please speak to your shipper/sender for more information. Please do come back to me if you require anything further. Kind Regards, XXXX XXXX Customer Service Advisor On XX/XX/XXXX I reach out to this company and I also provided them with a copy of the email from XXXX XXXX stating that they sent the furniture back, they stated they dont know where the furniture was so I asked for my money back and his response was : ( Copy of messages are attached to this email ) Iam going to chase today they have not returned the items your items are none refundable as there XXXX made and these items are not in our possession Ill chase up to day Ill get back to you On XX/XX/XXXX he responded back stating that he located the furniture and that the shipment was increased and thats why they sent it back Trying to get more money! Ive located your items reason for them not being shipped is shipping cost went up Ive looked back through all messages so we got the quote before XXXX and shipping cost gone up when was booked in we dont have possession of the item they said will deliver back to us but this leaves us in a position now were all your items are XXXX made for you tell you the best thing to do. There going to deliver back rite lets get the items back then go from there Ill pay what you have gave us for shipping and you contact when the items are back with us and pay the difference how dose that sound We are a genuine company we dont rip any one of your priority customers are to us like I said before XXXX XXXX XXXX XX/XX/XXXX respond Hi Ive been talking to the company and he is just giving me the run around and now it is XX/XX/XXXX Is there anything you can do to assist this is a lot of money to just walk away from. Can you please help me or help guide me to some assistance please Thank you | ||||||
| 10/30/2023 | Yes |
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Web | Older American |
| When my XXXX farm property flood in XXXX of XXXX, I never imagined that the event would drop my credit score by over XXXX points. I want to commend the FEMA agents and the employees of XXXXXXXX XXXX and XXXX XXXX XXXX for their help and support in getting me back on my financial feet. However, my experience with JPMorgan Chase is far different. The short version : After the flood, both of my banks offered a flood deferment. Things went exceptionally smoothly with XXXX : they help with paperwork, called frequently to check on the progress of the repairs, and promptly endorsed my XXXX XXXX XXXX checks without problems. XXXX holds the larger of my two mortgages for {$420000.00}. Chase, who holds a {$70000.00} second, set up one obstacle after another. I called in XXXX and tried to make a payment on the mortgage. I have never had a late payment on either mortgage. They explained I was entitled to a deferment until XXXX. Since they were holding my XXXX XXXX XXXX checks for endorsement pending an inspection ( which XXXX, the larger mortgage holder did not require ) I agreed since I had paid the {$6000.00} plus repair bills out of pocket. At this point, another tragic event occurred in an exceptionally tragic year : a close friend died of a XXXX XXXX at XXXX. Chase claims they sent a letter requiring my signature on the deferment ; I dont remember getting the letter. They stated it had to be returned by a specific date XXXX. I contacted them shortly thereafter, and they said that the deferment had not been processed and the entire past due amount was due ( these are the payments for the months following the flood. ) I tried to negotiate with them and succeeded ( see attached email from Chase ) and I thought the issue was solved. When I tried to refinance this loan with XXXX on a shorter term, I was stunned to discover that they could not offer me a loan because my credit score of XXXX had dropped to the low XXXX. I contacted Chase to have the error removed and they informed me that they did not make an error so they would not remove it. Hence, I can not refinance the loan. If this wasnt enough, I received a call indicating that they would not endorse the second XXXX XXXX XXXX check I received and submitted to them in XXXX. Again, XXXX did not require an inspection for the repairs which were completed and paid for in the XXXX. In fact, they sent a letter indicating that repairs under {$40000.00} do not require inspection. The repairs involved pouring an angled layer of concrete so that the water drained into a sump and installing a permanent pump in the sump. All repairs were completed by licensed contractors and accepted by XXXX. The basement was inspected via video in XXXX. The agent who spoke with me said that the repairs were only 70 percent complete. I received no notification after the inspection in XXXX and no description of the allegedly uncompleted repairs ; this call in XXXX was the first time I have heard that they thought the repairs were incomplete. Chases so-called customer service agents use incompetence and overcomplication as a system of harassment. Each time a customer calls in, they reach a new agent and need to re- explain the details of the case. Each call involves lengthy waits both on the phone tree and on hold as the agent tries to figure out the issue. The agents often offer contradictory explanations while pretending to be friendly and helpful. No one is interested in actually solving the problem, but in getting the customer off the phone as quickly as possible. For over a month, I have received fake calls from Chase that hang up as soon as I answer. Trips to the bank are just as fruitless. Chase seems only interested in punishing the customer for a perceived transgression of their unnecessarily harsh and complex rules. I am a XXXXXXXX XXXX citizen, aged XXXX, and getting my property repaired after the extensive flooding was both expensive and stressful. In XXXX, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, just before the flood. I lost two close friends to XXXX in XXXX. I never imagined that a federal policy for victims of a disaster would be my biggest health stressor in XXXX. Nor could I imagine that a policy designed to save my credit report during a disaster would actually damage it the most. | ||||||
| 06/29/2023 | Yes |
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Web | Older American |
| I had given up hope of getting this resolved but recently heard from another person who was struggling with the same issues with XXXX XXXX and getting reimbursed for tours that were never provided. She communicated to me that you had helped her recover her money. I went through all the normal channels to try to resolve this. Some of the tours we purchased through XXXX and charged to my Chase Sapphire card and others were purchased directly through my Chase card. I went through XXXX and Chase 's complaint systems and then Chase 's insurance, finally sending a letter to XXXX XXXX, CEO Consumer & Community Banking at JP Morgan Chase & Company. I also Cc 'd XXXX XXXX, CEO JP Morgan Chase. Neither replied directly, just had a higher up minon reply with a canned statement I need assistance with goods/services, in this case tours never received. I booked several trips in good faith with a company that appeared to be in good shape and was operating tours. My friend had gone on several trips and highly recommended them. They were badly affected by Covid, as was the travel industry in general. While they struggled to reopen, they didn't cancel trips, just rescheduled them ( some, several times ) further into the future. There was no way to know the tours weren't going to happen until the company went into liquidation. They even offered a very discounted tour with airfare to anywhere they travel, but the trip couldnt be taken until XXXX. They guaranteed in writing that if the future XXXX trip couldnt be taken in XXXX, everyone who purchased would be refunded. Their general refund policy stated that if any tours were unable to happen by XXXX ( due to Covid, which yhey blamed all their issues on ) we would be refunded. Then they changed the date to XXXX! Just before they went into receivership, they changed the date of refunds to " if unable to travel by XXXX ''. Could they legally do that? When they opened back up after Covid, they were struggling to provide all the tours that were rescheduled multiple times and ultimately went into receivership in XX/XX/XXXX. I will now not get my tours nor a refund from XXXX. I alway use my Chase card for booking future trips because some book up XXXX yrs in advance and I trusted they would take care of me! I am devastated! I lost my husband in XX/XX/XXXX, have unexpected bills to pay and am not in a position to absorb this loss! I understand credit card companies not wanting people to wait indefinitely to ask for money back if I purchased an item and didn't receive it in a timely manner, but I don't understand the 160 or 540 day time limit after a purchase being applied here to trips that kept getting rescheduled. The final tour dates weren't available until after they went into receivership! So how were we to know we wouldn't get the tours until XX/XX/XXXX? The 540 day rule would make more sense if it was applied from the date the tour was scheduled to go! This seems a bit arbitrary because some people have been refunded well beyond that time and others haven't. Chase did refund me for the transactions with XXXX dated XX/XX/XXXX for {$1100.00} and the one dated XX/XX/XXXX for {$1000.00} These are the other expenses I incurred : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-good for {$1000.00} off any tour. {$500.00} XX/XX/XXXX XXXX XXXX {$990.00} ( {$1000.00} off a tour plus 20 % off future tours ) XX/XX/XXXX XXXXXXXX XXXX XXXX final schedule XXXX XXXX XXXX. {$1200.00} XX/XX/XXXX XXXX XXXX XXXX scheduled XX/XX/XXXX then postponed indefinitely so switched to a XXXX XXXX ( see below ). I used the {$500.00} XXXX XXXX XXXX XXXX XXXX to book and that transfered to XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX then rescheduled to XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX above, switched to more expensive XXXX trip. {$1000.00} ( Chase gave me {$100.00} " courtesy '' payment ) I would greatly appreciate a refund of {$6800.00} *I have documentation for all these claims and will send whatever you need to help! Some people ( we have a XXXX help group XXXX page ) with Chase, XXXX XXXX XXXX XXXX who also purchased multiple tours with payments as far back as XXXX have been refunded so it seems to rely on who they talked to and/or how much money they have in their accounts! Any help would be greatly appreciated! | ||||||
| 08/09/2023 | Yes |
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| On XX/XX/23 at XXXX XXXX I attempted to deposit cash into the drive-thru ATM with the amount of {$1000.00}. The screen read " We are processing your deposit ... '' which I noticed was taking longer than usual. I waited patiently and when more than 5 minutes had gone by, I contacted customer service while maintaining my position in front of the ATM. The first rep I spoke to canceled my card so no one would be able to access it and checked to see if the deposit had gone through. She stated it did not, and forwarded my call to claims dept. The claims specialist requested details which I provided, he told me the claim would be processed in 2 hr - 2 days and that I should return to the bank when it opened and let someone know about the situation, that he would also notify them but for me to do it as well. I asked what would happen with the money I deposited that was not showing on his end as deposited, since the screen was frozen. He told me no one would be able to access the ATM since my card was stuck nor access my account since the card was canceled. I told him that was what I was worried about and I asked several times if he was sure I could leave, he told me yes I could leave and the claim was filed. I asked for a claim number and returned home. At XXXX XXXX the same day, I returned to the bank and noticed that people were now using the ATM. I walked in and let a teller know the situation. She told me they did not service the ATM so there was nothing they could do, she was unaware of the situation. While walking back to my vehicle I walked to the drive-thru ATM to check if by any chance the person after me might have placed my card on top and found nothing, only the ATM screen now operating. I called two days later for an update and was told the claim had escalated and there was no resolution yet and that the amount would be temporarily credited in 10 days while the claim was finalized ( which would take about 20 days ). On XX/XX/23 I called for an update again and was told my claim was denied and that they had XXXX people go out to check and that there was no money in the machine. I asked if it was possible the deposit didn't go through and that the door where the cash was inserted might have opened and someone took it. She stated that was not possible because it did not work that way. I asked them, if there was no money in the ATM, and the door would not open, then how could my deposit be missing. I asked if she could verify through the cameras that I did in fact deposit the cash. She told me that they use a third party and that they were not able to access the videos and that the cameras only verified if I was at the ATM, for fraud prevention purposes, but not if I made a deposit. I asked what else I could do because I was disputing it, and they did not give me any additional resources. They told me I can provide documentation but even if I had requested a receipt, it is given after the deposit is confirmed, which was the reason I was calling since the screen froze. I would not have been able to obtain any documentation. I only have a picture timestamped when I was waiting for the deposit to be confirmed but was frozen. I asked to speak to someone else who could help me and they denied, saying there was nothing else to do because the claim was denied. While I was making the deposit and while I was on the phone I had to tell the cars behind me to try the ATM inside the bank because the one I was using was frozen. I do not usually record myself depositing money in the bank, I do not know what documentation I could provide. I do not believe Chase conducted a thorough investigation because otherwise they themselves would know how the ATM machine operates. If my card was stuck and the screen frozen, and then the card was blocked, how then was someone using the ATM at XXXX XXXX if the claims rep. Told me no one would be able to use the machine. I do not know if they bothered checking with the persons who they claim serviced the machine, in that two-hour time span and if they reported that they did in fact find my card on the machine. I do not know how the machine works but I can only assume that the machine time stamps when cards are inserted and if there is a failed transaction. Instead, they treated me in a condescending way suggesting that I might be trying to commit fraud. | ||||||
| 10/15/2019 | Yes |
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| Hello all On XX/XX/XXXX, I entered the Chase Branch location around XXXX XXXX with the intent to get a total of {$500.00} in checks for an earnest money deposit on a house that I needed to submit that day. Here is the scenario : -I withdrew {$500.00} from my credit union account at the chase atm inside the branch. There was a hostess that assisted me and began to lead me to the teller. There were about 2 other patrons in the branch at that. I only had a wallet and small jacket in my possession as I approached the teller. - I let the teller know that I need a total of {$500.00} made into two checks, but then realized my account was over drafted and wanted to settle that as well for a total of 3 transactions. Since I took out my daily withdrawal limit of {$500.00}, I asked the teller for options using my external debit card from my credit union. We decided to : 1 ) Deposit {$300.00} cash into my business banking account ( from the {$500.00} that I withdrew, leaving {$200.00} cash ) 2 ) Do a {$350.00} Cash advance from my credit union debit card and get it in the form of a check. 3 ) Give another {$150.00} cash ( from the {$200.00} left from the withdrawal ) get in the form of a check *One check for {$350.00} and one for {$150.00} totaling {$500.00}. -I recounted the {$500.00} cash, counted out {$300.00} cash and handed it to the teller. -The teller sat the cash down and requested to process the cash advance first from my debit card ( {$350.00} ) -After handing the teller my card, she gave it back and left her station to get a marker because my card was not signed. - When she came back, I signed the card and waited on her to process the transactions - She then asked of the check amounts again and requested the money - I asked did she process the first check, as I did not receive a receipt of any transactions that have been done thus far - The teller stated that I did not hand her {$300.00} or any cash. - I reassured I did and requested video camera footage. -The teller began to be dismissive and pressing sternly that she doesnt know what to tell me. - She balanced her drawers and stated it wasnt there. - The teller then gave me two receipts, 1 for a cash advance of {$350.00} and other for a cash deposit of {$300.00}. And proceeded to exclaim that she deposited {$300.00} into my account and owed me {$50.00} cash. - I still can not account for the {$300.00} cash from my withdrawal that I handed her in addition to my debit card for the cash advance - I asked t to speak with a manager, the teller was rude and told me I needed to sit in the waiting area, I exclaimed this was a time sensitive matter and I was exceeding my lunch break. The teller began to say exclaim ; she doesnt know what to tell. - As I sat in the waiting area, there was not urgency to get the manager, I then explained to the hostess that this was an urgent time sensitive matter and she got the manager immediately. -The branch manager balanced the drawers and could not account for the {$300.00} but verified my transactions and accounts and agreed that it was indeed missing. - The Branch manager is saying that this can not be escalated because it is not an extreme circumstance and it will take 7 days to get camera footage. I am now short {$300.00} for my Earnest Money deposit that was due on XX/XX/14. I know this may not seem like a big deal, but it is beyond devastating to me as I may lose out on a property for me and my son. I am apparently at a check to check moment as I can not cover the missing money. I also am being docked pay at work for the extra time I spent on lunch because of this issue. There seems to be no resolution. Ive called the corporate number have been transferred to many departments and no one can escalate it. I have my receipts and documentation. I will be filing a police and small claims court case because of this. There seems to be not process or urgency for teller errors of small amounts and camera footage should be readily available to resolve such disputes. I am not sure how to resolve this matter but its has caused such distress and the teller was not reassuring. I am hoping you can help with this issue and getting the camera footage sooner than later so that I will not have to go through the process of court and police reports as I just want my {$300.00} back and dignity | ||||||
| 04/29/2017 | Yes |
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| JP Morgan Chase continues to act in bad faith as it relates to intentional evasion of factual material that I have submitted to their CEO, XXXX XXXX and other representatives of Chase. This is a matter of public record in documents sent and also in corroborating statements made to Chase Representatives and the CFPB. All n ecessary actions mirror that of the recent XXXX XXXX XXXX XXXX Fraud Case recentl y settled in court. 1. This California couple and I had the same problems : For over two years of filing, faxing from JPMorgan Chases bank nothing would ever reach the bank in its entirety. Always a page or two missing. THIS WENT ON FOR TWO YEARS!!! Battle-fatigued demoralization is truly an understatement. a. XXXX XXXX XXXX of the U.S. Bankruptcy Court in XXXX said the bank 's mortgage modification process and mistaken foreclosure on XXXX and XXXX XXXX 's home left them in " a state of battle-fatigued demoralization . '' 2. All I did was tried to lower my interest rate in a down economy since the Government had provided funds to the banks to help consumer lower their c osts or help out those in need. Challenging Experience think of sleepless nights and lots of tears. XXXX and XXXX another understatement as I went through o ver 24 repres entatives fro m JP Morgan Chase : and everyone had the same mantra Who told you your home was in foreclosure? Who told you how much to pay? Your file is empty, we have nothing. Send the papers again. For Two Long Years this went on!! More filings than I could ever imagine, more charges piled u p by a corrupt system, more mails ( sent by regular post ) of possible new mortgage rates almost everyone had different pricing. Never a contract! ALL VERBAL! b. XXXX XXXX XXXX XXXX spokesman XXXX XXXX said Tuesday that the couple 's troubles began before new loan processes were established and called some of XXXX XXXX 's findings " unprecedented and unsupported. '' He declined to say whether the bank will appeal. " Regrettably, the customers had a challenging experience, '' he said of the Sundquists. A bankruptcy judge issued a {$45.00} XXXX fine against XXXX XXXX XXXX XXXX , calling the bank 's treatment of a California couple who fought to save their home " brazen '' and " heartless. '' 3. In the case of JP Morgan Chase they created in-house incentives to their employees in the mortgage division, for every home you foreclose on you get a commission. Think of putting XXXX in charge of th e Blood Bank. Cor porate culture : no restraint, free money and a bastion of legal help to crush any dissenting voice. Confirmed by their own employee. C. '' It is apparent that the engine of XXXX XXXX XXXX 's problem in this case is one of corporate culture ... not rogue employees betraying an upstanding employer, '' he added. 4. I lived this scenario for over two years. Twentyfour+ Representatives was assigned to me to help. I kept the names of everyone and recently submitted them as evidence. Response from the bank : We have no records that there was any call to the bank. This statement alone call s for JP Morgan Chase to be tried by a jury of our peers, and this is a day I look forward to. A very dishonest, lying, idiotic statement coming from a member of their legal department. Chase continues to operate in bad faith. d. modification requests " routinely either lost or declared insufficient, or incomplete or stale or in need of resubmission or denied without comprehensible e In XXXX , XXXX XXXX XXXX XXXX and other top mortgage servicers promised to provide {$17.00} XXXX worth of breaks to homeowners to settle accusations of sloppy foreclosure and mortgage practices. 5. As far as I am concerned, JP Morgan is again embarking on another stonewalling campaign. e. " It 's appalling, '' said XXXX XXXX , executive director of the nonprofit XXXX XXXX XXXX XXXX XXXX . " You would think after all this time and all the fines that have been paid already that [ mortgage compan ies ] might actually try to get it right. '' " What we 're seeing here is courts questioning how sophisticated businesses, all of which have computers, ca n't manage to keep track of basic facts, '' said XXXX XXXX , a law professor at the XXXX XXXX XXXX XXXX XXXX . | ||||||
| 11/29/2023 | Yes |
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| On XX/XX/2023 at approximately XXXX, I entered the Chase Bank XXXX XXXX XXXX Illinois . I had cash and checks to deposit into my checking account. I handed over the money along with my drivers license. For the past 10 years or so, Chase has always taken my state-issued DL and completed the deposit slip, taken the money, made the deposit, and provided me a receipt. I do not have my bank account information memorized, and Chase simply looks it up by inputing my name into their system. However, on this day, the teller ( name : XXXX XXXX ) asked for my ATM card. I do not own an ATM card, so I told him that I did not have one. He said that I needed to fill out a deposit slip. Since I do not have my bank account information memorized, I told him that he would need to fill it out. He then said that he had the right to refuse me service if I did not complete the deposit slip. I asked if that was a new banking policy, as I'd never heard it before. So I asked for the manager. He said that the manager wasn't there. So I told him that he could simply write in the information on the deposit slip since he had my banking info in front of him. His response was that he didn't have my banking info in front of him. So I told him, " but you can absolutely look it up with my driver 's license that you have right in front of you. Are you telling me that you're going to refuse me service for not completing a deposit slip that every other Chase bank teller has completed for me in the past? '' At this point he just stared at me for XXXX seconds with an evil look on his face. The silence was broken by someone behind me who came out of an office asking if he could be of assistance... I did not get his name, but I told him that the teller was refusing to deposit my money into my checking account because I couldn't complete the deposit slip with the checking account number that I didn't have. I asked if this was a new policy and if the manager was in. The man said that she was in and went to the side door to open it. I looked at the teller and said, " so she is in? '' He responded, " she may have just gotten back then. '' The manager, XXXX, came out ( I found out later that she was not actually the manager, but a " team lead '' ) and asked the issue. I told her that the teller was refusing to deposit my money because I couldn't complete the deposit slip with my banking info and that every other teller has always filled it out for me, never threatening to refuse service. She said that there was no bank policy aside from if there's a long line, however, I was the only person in the bank at that time. She then stated that it was discourteous and that the teller would be retrained. I asked how long the teller had been there, since I'd never seen him before. She said that he'd been there XXXX years. It was clear that this individual was obviously having a bad day and likely took out his bad day on whoever was in front of him, or he just didn't want to put in the extra effort to complete a deposit slip for a long-term Chase customer. Whatever the reason, I told the manager that I had my personal accounts, business accounts, and even our mortgage with Chase Bank, and that no one should be treated or threatened that way. She agreed and said that she would be filing a complaint, but that the teller would be retrained. The manager told the teller to fill out the deposit slip and make the deposit, which he did. Easily. The manager then came around and walked by me. I asked if she needed a statement, to which she responded yes. I was told that the actual manager ( her name is also XXXX ) would be in the following day and would likely give me a call to discuss the matter. So far, that call has not happened. The teller presented a fake policy/procedure to a banking client that if the banking client could not complete a deposit slip with the proper banking information, then the teller had the right to refuse service to the banking client. This was patently false. The teller had never been trained to refuse service to banking customers on their inability to provide banking data that could easily be procured by entering in the information on a state-issued driver 's license. The license was presented, however, the teller refused service until the manager forced the manager to complete the deposit slip directly. | ||||||
| 10/30/2017 | Yes |
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| I have been attempting to make my car payment with Chase bank for over A month now. First I ran the payment through my bank, XXXX, and Chase never pulled the payment. Chase informed me that they were not able to get the payment to run through correctly. I then attempted to give them my debit card number over the phone to pull the money, which in the past I have always been able to do this with Chase if necessary. The chase representative advised that they will no longer use debit card transactions to take payments because it cost them too much money. After they were unable to pull from my bank I transferred the car payment funds to my husband 's bank account with our local credit union. We contacted Chase and provided them my husband 's bank account information to pull the payment and a week later the payment had still not been posted. We contacted Chase numerous times and they have gave us multiple reasons why they had not pulled the payment first they tried to tell us that it was because my husband 's bank rejected the payment request when they posted it we contacted my husband 's credit union and they advised that Chase has never made any attempts to pull that payment from his account. We call Chase back and then they say that perhaps they had the wrong account number my husband again confirmed for them the correct account number to pull the payment we waited again for another week and again no payment was a palled we called back they tried to tell us that the credit union advised there was no account for that number we again confirmed with Chase that they had the proper number and they assured us that they would try to pull it again. After another week went by we received a letter from Chase that stated they were unable to pull my car payment from the credit union again because the credit union refused their request. We contacted the credit union who again assured us that no request from Chase had been made and that they would even show us the reporting to show proof that Chase has never attempted to collect my bill. We called Chase back again and Chase confirmed that they did not know why the payment was not pulling from that credit union account. So We pulled the money from my husbands account at the credit union and transferred it back over to my XXXX account. We contacted Chase last week to have the payment ran through my checking account again it did not pull again We called Chase back at the end of last week the representative treated us like it was our fault the payment has been late and like we were doing something wrong they advised that we needed to perhaps open a Chase account to ensure the payment could be made or to visit a local Chase branch. We advise them that we do not have any chase banks in our area and that I do not have any other problems paying my bills through both the XXXX and the credit union account. Chase stated that for some reason they are not able to pull billing requests through GoBank to make payments I question how this is possible because I have had my GoBank account for two years now and in that two years I have made payments for my car through Chase. I advised Chase that I need to make my payment as I now have another monthly payment that is due and I am going to be going up against a 60 day late if they are not pulling my payments they assured me would be pulled. They told me I would need to send a XXXX XXXX payment to them to avoid re-possession of my vehicle really Chase I now have to pay a XXXX XXXX fee because you can not pull my payment from my bank account or my husband 's credit union account? I have been MORE THEN WILLING AND TRYING TO MAKE MY PAYMENTS!!! Additionally they charge me daily fees for being late and fees because they are unable to pull money from my account which have not even happened. I want any late fees removed from my Chase account immediately and any negative reporting removed from my credit. I want the CFPB to look into why Chase is not pulling payments from consumers bank accounts and then instead advising that the other financial institutions are not providing them access to pull those funds. This is an incorrect and in accurate statement by Chase they are using this to collect additional fees and to damage my credit I do not appreciate this and this is becoming financially devastating to me and my family. | ||||||
| 10/05/2021 | Yes |
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| I am making a formal complaint with the Consumer Finance Protection Bureau, after exhausting every other option to resolve this issue with both the merchant and the credit card company, CHASE. Beginning in XX/XX/XXXX, there are charges on my account for a service that I ordered but did NOT receive. The charges are from XXXX and pertain to an electronic service that was not delivered as agreed upon ( according to multiple signed contracts in my possession ). I have reached out to CHASE several times as can be confirmed by both recorded phone calls as well as USPS XXXXorrespondence. Here is the timeline : 1 ) I did not receive goods or services as previously agreed upon. - Scope of work for Mobile app was not fulfilled ( per signed agreement ), nor was the deadline met. Mobile app was never delivered. No product or service was received. 2 ) Before the 120 day billing error deadline, I reached out to CHASE, filed a dispute about ALL ( every single one ) installments for the aforementioned service. 3 ) CHASE acknowledged the validity of the dispute IN MY FAVOR and credited the money ( from said disputed charges ) to my account. 4 ) After reviewing my CHASE statement, I realized they MISTAKENLY did not include 4 of the installments from XXXX. 5 ) I tried to file a dispute ( again ) with CHASE ( for the charges they had mistakenly left out of the original dispute ) since they had agreed to resolve the dispute in my favor regarding the charges. 6 ) Was told they couldnt help and that there was nothing they could do since the 120 days had already passed ( this wouldnt have been an issue had they accurately included all the charges PER MY ORIGINAL REQUEST ). The issue therein lies, 1 ) CHASE, did NOT properly file disputes to all the requested charges. 2 ) CHASE, falsely informed me that there was nothing I could do and that I am responsible for the charges ( the credit card company can be held responsible under Federal Law USC 1666i ) had all charges been properly disputed in the first place, it would have been resolved in my favor and they wouldve been credited to my account ( as with the other charges ) Therefore I am asserting Claims and Defenses and am well within my legal rights to do so. I will be withholding payment until the problem is resolved. According to The Office of the Attorney General of California, XXXX XXXX, as well as the Federal Trade Commission ( FTC ), Claims and Defenses may be asserted as long as the following conditions are met : 1 ) The disputed amount is over {$50.00} 2 ) There has already been a good-faith effort to fix the issue with the merchant 3 ) The full disputed amount has not been paid As is apparent, all conditions are met in this circumstance. The Fair Billing Credit Act, ( Federal Law : 15 USC 1666i ), requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account. To summarize : These charges are still on my account as a result of CHASE erroneous and improper filing and investigation. My efforts to resolve the issue with the merchant as well as CHASE, are documented via several methods of correspondence. Email, Federal mail, recorded phone calls, as well as signed contracts. Ive previously requested to retrieve a copy of my phone call recordings with CHASE to which I was denied the request. CHASE already possesses all documents which aided in the resolution of the original dispute ( in my favor ) such as contracts, emails, receipts, and the agreed upon scope of work of the service. I am asking that CHASE fix my bill as the one year issuance date of the of the first bill of the disputed charges has not yet been surpassed. This formal complaint with the CFPB is my last goodwill method to resolve this dispute. If CHASE does not oblige by this request, formal representation WILL be acquired against CHASE. Summary of charges : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All charges totaling approximately XXXX USD. | ||||||
| 12/05/2019 | Yes |
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| Chase Auto Finance were the lease holders when I leased my XXXX XXXX in XXXX. When the lease ended in XXXX of XXXX, I turned the car in, and they started sending me notices for tolls they received when my nephew was driving the car months earlier. I paid each of these as I received them, until they sent a {$550.00} fine they indicated was from the state of Delaware and said I had to pay it. Chase could only tell me limited information about this fine, so I called the state of Delaware and started to piece it together. From XXXX XXXX XXXX, XXXX, my nephew drove the leased car through a Delaware XXXX toll plaza, where you don't have an option to pay cash, 11 separate times ( drivers either have an XXXX or the Delaware Department of Transportation bills the registered owner of the car directly via mail ). As is typical, they bill the owner of the car at a rate of {$5.00} per event, totaling up to {$61.00}. Delaware sent the bill for these tolls to the registered owner of the car, Chase Auto, on three occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX Delaware was kind enough to provide me with copies of all three notices, which I will attach ). The first two notices indicated a total of {$61.00} was due for the tolls, to be paid by XX/XX/XXXX and then XX/XX/XXXX. When Chase didn't take action to pay or notify me that I should directly pay, Delaware added a {$50.00} fine per toll, totaling up to an extra {$550.00}. That extra {$550.00} charge was included on the notification sent on XXXX. Unfortunately, the first correspondence Chase sent me to notify me about the tolls was dated XX/XX/XXXX, and received over a week after that. A couple weeks earlier, however, I did call Chase around XX/XX/XXXX to attempt to pay my close-out balance and was told verbally about the {$61.00} in tolls that they had paid on my behalf. I mailed a check to Chase for that amount, and it was cashed a few days later. At that point, they didn't tell me that they had failed to pay the initial {$61.00} on time or notify me so that I could pay it directly. I first received notice of the {$550.00} fine when Chase mailed me a letter dated XX/XX/XXXX indicating I must pay a fine of that amount. In the proceeding months, I attempted to work with Chase to resolve this issue, explaining how their negligence had led to the additional fine. They refused to accept responsibility and insisted I pay the {$550.00}. I even faxed them documents on XX/XX/XXXX, proving that they had not paid the {$61.00} in tolls in time and had not notified me until XX/XX/XXXX, after the state of Delaware had already charged the {$550.00} in late fees. I received a letter from Chase on XX/XX/XXXX, that simply said their research showed that I received enough notice, without any evidence as to any timely notice or establishing a timeline. Many, many calls with Chase to come to a fair and just resolution have lead to nothing but threats from them that I must pay the fees they accrued because the contract I signed, according to them, allows them to accrue additional fines without notifying me, and they are still my responsibility. To make matters worse, I've reached out to the state of Delaware Department of Transportation many times, and they agreed to refund the entire {$550.00} plus the initial {$61.00} in tolls to Chase if Chase would fax them a letter on their letterhead requesting a refund and asking them to bill me directly. Chase initially indicated they would do this, but after months of stalling, recently indicated that they would no longer consider this option. I've worked extremely hard to provide a reasonable solution that allows neither party to pay for Chase 's mistake of not paying the tolls or notifying me to pay in time, but they are refusing to utilize that path because they think they can't be held accountable and can just send my bill to debt collection. I would be satisfied if Chase would just request the refund from the state of Delaware Department of Transportation so I could handle the matter directly ; but I firmly believe it's wrong for me to be responsible for an additional {$550.00} fine that could've been avoided if Chase, as the registered owner of the vehicle, would have paid the tolls in time or notified me so I could pay them before the fine was added. Thanks for any assistance you can give! | ||||||
| 05/06/2019 | Yes |
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| On XX/XX/2019 a charge for {$1700.00} appeared on my Chase credit card for a purchase that Chase reported as " XXXX XXXX XXXX ''. I did not make or authorize this charge. Accordingly, I contacted Chase on XX/XX/XXXX or XXXX, immediately after I noticed this fraudulent charge on my account. Chase 's response was to initially investigate the charge, and because I am in the process of buying a house, I went ahead and paid the charge just so it did not show a balance and potentially affect my credit rating while I was being underwritten for a home mortgage. Chase then credited the charge back to me, and I thought that Chase had properly determined that the charge was fraudulent. However, when I called to have the money that I had paid be transferred to another credit card at Chase, Chase indicated that the charge was still under review and that the extra money I paid was stuck in my credit card account. Then on Friday, XX/XX/XXXX, Chase called me in the afternoon while I was at work, and told me that they had to debit the charge back to my account, because their research showed that I had used my Chase credit card with XXXX when I flew the airline last summer. I did in fact fly XXXX last summer, but I never authorized {$1700.00} charge that appeared on my account many months later, this past XXXX. Chase tried to tell me that this was a disputed charge and the issue was with me and XXXX. In my conversations with Chase, as summarized above, Chase kept me on the phone for hours and kept bouncing me back and forth between their fraud department and their disputed payments department. I had to talk to one Chase " investigator '' who was supposed to ask me some important questions. He asked me if I had a membership of any sort with XXXX or if I had authorized this charge. I reiterated no to both questions, as I had indicated many times to many people with whom I spoke at Chase. He then tried to call XXXX to ask them about the charge, and after keeping me on hold 15 or 20 minutes, he got back on the phone with me and said that XXXX unfortunately couldn't be reached. He never volunteered to have Chase call XXXX during normal business hours. He basically just tried to kick the liability back to me. Finally, on Friday afternoon, another Chase agent said she was submitting my " case '' to the " rebill '' department because Chase would have to further " investigate '' and potentially " rebill '' the transaction. The agent said this might take 30 days. The whole handling of this case amounts to Chase trying to concoct a reason to get off the hook for a fraud charge, for which Chase is clearly liable. I never bought an upgrade for XXXX this past XXXX and somehow someone else used my card number to do so. Chase is trying to say that this is some sort of a special circumstance because I used my credit card with XXXX last summer ; but the fact of the matter is Chase can't prove where the person who made the charge ended up getting my number. For instance, that fraudster could have been a restaurant where I used the card. Or it could have been some online source. For Chase to try to categorize this as a dispute and run me through the ringer on a major fraud charge is terrible. Now it is Sunday XXXX on XX/XX/2019 at XXXX XXXX ET and I just got off the phone with a Chase representative. This representative reconfirmed the above, which is that Chase refuses to call this charge a fraudulent charge. The Chase agent called it a disputed charge. This is criminal mis-categorization of a charge that was clearly fraudulent because I DID NOT MAKE THIS CHARGE. Chase is absolutely stepping on the consumer and trying to weasel out of its obligation. Moreover, this is clearly a policy and process at Chase, which means that it is being repeated over and over again, trying to weasel innocent consumers out of a cumulative of millions of dollars. I recommend a full scale investigation and the imposition of significant fines for this practice, similar to what was leveled on Chase for its many mortgage transgressions over the last decade. I have spent countless hours on the phone trying to resolve this with Chase and now I have had to spend more time summarizing this egregious episode with CFPB. Chase should be liable for compensating me for the time that I have had to spend to get my money back. | ||||||
| 11/22/2018 | Yes |
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Web | Older American |
| I have a regular CHASE XXXX Rewards credit card ( {$49.00} annual fee ) with CHASE now for many years and have received promotional offers from CHASE to upgrade my card to the higher level CHASE XXXX Premier credit card ( higher {$89.00} annual fee ). Usually their upgrade promotional offers did not interest me so I ignored them. On XX/XX/2018 I saw a promotional upgrade offer to the XXXX Rewards Premier Card when I logged into my secure CHASE and XXXX accounts. It offered a {$150.00} statement credit upon first use of the card plus XXXX points if I make {$2000.00} worth of purchases within 3 months of receiving the card. Up to this point, their usual promotional upgrade offers were only XXXX points upon spending {$2000.00} within 3 months ( NO {$150.00} STATEMENT CREDIT ). Their current {$150.00} statement credit plus XXXX points promotional offer appealed to me so I clicked on the application link, filled out the online upgrade application form, submitted it and was immediately approved and informed the new upgraded XXXX Rewards Premier card was being mailed to me. A few days later while waiting for the card, I called CHASE to assure my upgraded card was under the {$150.00} statement credit and XXXX points promotional offer. I was informed it was not and it was instead under the XXXX points ( after {$2000.00} spending within 3 months ) promotional offer terms. I immediately informed them the new card was under the WRONG promotional offer and not under the promotion I had applied for. The CHASE card customer service representative said they will report my complaint. As no one called me, I reported it myself later the same day on my CHASE account web pages SECURE MESSAGE email system. They responded shortly by email and requested I submit proof of the {$150.00} statement credit and XXXX points promotion offer. I replied to that email and attached 4 photos ( .jpg files ) of the promotion offer. They then replied by email they needed for me to submit the promotion offer 's code and the personal ID in the offer. I informed them there was no such information on the promotion offer page that I had seen and that the TO APPLY link at the bottom of the promotion page probably has the information they wanted ( TO APPLY address link address has a code after the word PROMO ). They then replied they were sending my complaint to the CHASE Executive Office for resolution. Next day, I was contacted by telephone by XXXX of the CHASE Executive Office who diligently worked with me to resolve my problem by contacting their CHASE marketing department which, per XXXX, said they could not find such a promotional offer despite the photos I had sent, and therefore refused to honor it. On XX/XX/2018 I mailed the same emailed photos to XXXX as she wanted me to provide the needed proof of the promotion offer as she stated she is unable to obtain them from the CHASE marketing department personnel. XX/XX/2018 Telephone call from XXXX saying the Marketing Department looked at the promotion offer photos XXXXXX she sent to them after I had mailed them to her. She said the Marketing Department due to their internal policies refused to honor the promotion offer. As such, there is no reason for me to keep the Premier card and paying {$89.00} a year ( already billed to me ) so I asked her to immediately close/cancel the premier card and remove the {$89.00} annual fee charged as I have not used the card pending the resolution of this case. She agreed to do so and did cancel the premier card after crediting me {$89.00} to offset the {$89.00} annual fee charge. As I asked for a closing letter, she said she will send me one from the Chase Executive Office. As a final note, I asked that she note my comment that I feel I was a victim of a Bait And Switch scam by the Marketing Department. I have now cut up the premier card for security reasons. To me, I am a victim of a BAIT AND SWITCH SCAM TARGETED TO SENIORS ( I am XXXX years old ) by the CHASE marketing department , probably to meet their quota on new XXXX Rewards Premier Card enrollment. I am reporting this incident to the CFPB in hopes you will investigate this incident and do whatever is necessary. I am attaching the photos of the CHASE upgrade promotional offer I signed up for. The date of the offer is shown on the upper left of the first photo. | ||||||
| 09/16/2017 | Yes |
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Web | Servicemember |
| Once again this is a follow-up complaint to reports XXXX and XXXX JP MORGAN CHASE BANK did knowingly report false and fraud statements and has violated the FCRA and Violated federal and state laws. JP MORGAN CHASE BANK SAID THAT ACCOUNT ENDING IN XXXX WAS SLATE CARD OPENED IN XX/XX/XXXX WITH Washington Mutual and sold to XXXX in XX/XX/XXXX. Of course JP MORGAN CHASE BANK SAID that they had no documents to prove that the information that they said was accurately REPORTED. But I do have documentation to show not only JP MORGAN CHASE statements are false and not accurate but will show that they knowingly and maliciously been reporting false information that has violated the FCRA. My XXXX report XXXX datedXX/XX/XXXXXX/XX/XXXX shows account ending in XXXX was not a slate Washington Mutual account but in fact it is a XXXX Account. It was opened in XX/XX/XXXX the same as jp Morgan stated it was opened. I also have a letter to XXXX dated XX/XX/XXXX disputing accounts being REPORTED inaccurately # 2 is the account Chase claims is the slate card from Washington Mutual. I have a letter from Chase executive office dated XX/XX/XXXX where I sent an email regarding this account ending XXXX to XXXX XXXX XXXX showing the false and fraudulent activity chase had did. XXXX XXXX sent this letter that Chase has confirmed the above reference Account charged off as a Loss to Washington Mutual and was sold with all rights title and interest to XXXX onXX/XX/XXXX Now I have proved that jp Morgan chase has Violated the FCRA, FTC and Federal and state laws. They sold an account that does n't belong to them they are suppose to make sure that the information that they are reporting is accuate and have documentation to show it. They were found guilty by the FCPA FOR SIMILAR BUSINESS PRACTICES. CHASE BANK CLAIMED THAT THEY LOWERED THE credit limit on account ending XXXX because of negative information in my credit report which is completely unfactual and false. My credit score when they reported that was XXXX and that was in XX/XX/XXXX. No my credit score is XXXX because chase keeps reporting false information to the credit bureaus. On XXXX report dated XX/XX/XXXX # XXXX where they claimed in there response to the previous complaints where they corrected the in accurate information is False and in VIOLATION of Fcra, FTC, and criminal because they knowingly and maliciously and purposely reported new information to make my credit report worse. Such as Account status where they reported past due 120 days when it shows a XXXX balance. And they reported high credit in XX/XX/XXXX as {$520.00} completely unfactual and false they even proceed that with the response to my previous complaints. They even added a second commit XX/XX/XXXX where they reported past due 120 days. Which is completely false statements and fraudulent REPORTED to damage my my credibility in my good credit standing. They said in the last response to CFPB THEY MONETARILY ISSUED ME A CREDIT FOR the XXXX dollars and all interest and fees. This will be my last complaint to CFPB CAUSE I have provided all the documentation that jp Morgan chase has KNOWINGLY and had knowledge of what they were reporting was false and fraudulent do damage my credit worthiness and credibility. They HAVE VIOLATED SO MANY LAWS I DONT KNOW WHERE TO START AND HOW MANY. Fcra, Ftc and they must have accuate information before they reported it to the credit bureaus and FCPB. I HOPE THAT THE FCPB REALLY TAKES WHAT HAPPENED TO MYSELF SERIOUSLY AND TO MAKE SURE THAT JP MORGAN CHASE DOES N'T DO THIS TO OTHER CONSUMERS. I WANT CRIMINAL CHARGES AGAINST JP MORGAN AND FINED FOR ALL THE VIOLATIONS THEY COMMITTED AGAINST MYSELF. I ALSO WISH THE fcpb or government entity that protects consumers from companies who knowingly and falsely violate the fcra FTC and ruin a person 's credit worthiness. I wish to seek punitive damages in the amount of XXXX dollars for these violations that they have been committing to myself since XX/XX/XXXX. But if they wish to settle with me out of court for XXXX dollars then I will accept that offer as well. Please take this last complaint very seriously and make JP Morgan chase pay heavily and make then reoort to the CFPB ON A MONTHLY BASIS TO MAKE SURE THAT THEY ARE NOT IN ANY VIOLATIONS THANK YOU VERY MUCH FROM A CONSUMER WHO WANTS TO BE PROTECTED. | ||||||
| 11/15/2023 | Yes |
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| This notice is for JP MORGAN CHASE BANK for the following accounts XXXX and XXXX. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. CHASE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. In CHASE terms and conditions they agreed not to share my information with non affiliates. XXXX is not an affiliate of CHASE and it is not a " bureau '' as they claim. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. CHASE must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. | ||||||
| 04/01/2020 | Yes |
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Web | Older American, Servicemember |
| What happened : My husband fell and was admitted to the XXXX hospital in XXXX XXXX XXXX XXXX, XXXX on XX/XX/2020 They found an impacted hip fracture. That night they asked to put a hold of {$1600.00} on my credit card. The next day they told me they found XXXX on my husbands XXXX and that he needed an immediate operation or he would die. At the same time they told me that they needed to put a hold of {$50000.00} on my credit cards - and not to worry that they would not bill until 21 days after giving me an invoice. I found 3 cards - 2 of my husbands and one of mine. They checked the max credit on each card and put a hold of about {$48000.00} across the three credit cards - all from Chase Bank My husband had the operation, was in a XXXX in the XXXX for 3 days, and died on XX/XX/XXXX. XXXX asked me to return to the hospital the next day to sign some papers. It turned out they wanted to put a hold on another {$40000.00}. I found a XXXX credit card in my husband 's wallet and gave it to them. It had a max credit limit of something over {$19000.00} so they put a hold on that. Each time they put a hold they assured me that they were going to bill the insurance company and would only use the card if the insurance company did not pay. I arranged for the funeral in XXXX XXXX, New York. Before I left XXXX XXXX I asked several times for a hospital bill but they said none was ready and I was not to worry. The day I left XXXX XXXX ( XX/XX/XXXX ) I got an email from XXXX telling me they had billed all the credit cards but to send them my bank details and they would return the money once the insurance company paid them, I stopped trusting them and did not send the bank details. I have never received a hospital bill. Recently XXXX told me they received a bill for {$130000.00}. They say it is a high dollar amount and will take 60 to 90 days to investigate. I can not see the claim because of privacy rules. I called Chase and XXXX from the airport in XXXX and told them the story. They each waited for the charges to go through ( why? ), closed the cards, categorized the charges as fraud, and reversed the charges. Later on both banks asked if I had given the vendor the credit cards. I said I had and then they both said it was not fraud. ( From the very beginning I told them about giving XXXX the cards for a hold! ) XXXX recategorized my complaint as a billing dispute and is still investigating. Chase put the charges back on new cards and seems very resistant to my requests to further investigate the charges as a billing error dispute. When I tried to speak with a dispute supervisor he kept counting down how long how I had been on the phone so that I couldn't tell him what happened!!! I gave up in tears at 15 minutes. It is now impossible to find anyone to talk to at Chase. I guess due to the Corona virus but XXXX is still providing good support service. I have tried using the convoluted Chase online communication system. I seem to be communicating with computers not humans. Two of the Chase cards must be paid this week or I will incur large penalties - the two cards have {$43000.00} in XXXX charges. I do not know the situation with the 3rd Chase card because it was in my husband 's name and I can't see it - and I am afraid to ask about it. Do I have a valid grievance? My experience with holds has been in hotels where they put a hold on your card when you check in but then give you an invoice that you can review and approve before they actually bill you. I thought an invoice was required. In this case I never got an invoice. The amount billed to each card has nothing to do with services received but rather the max amount of credit available on a particular card. Also three of the cards were in my husband 's name. Is it OK to bill the card of someone who is dead? Finally, is it OK to double-bill? In addition to billing my husband and I XXXX has billed in the insurance company. Re : Contacting XXXX. The following seems to say they were required to bill me by XXXX law - '' The recent changes of fiscal policies in XXXX directly affected bank policies and the prosses of withholding on credit cards. Thats the reason why we notify you that the charges will be effective at that time, this changes are out of our jurisdiction. " I would be most grateful for any advice you can give me. | ||||||
| 10/05/2021 | Yes |
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| I am making a formal complaint with the Consumer Finance Protection Bureau, after exhausting every other option to resolve this issue with both the merchant and the credit card company, CHASE. Beginning in XXXX of XXXX, there are charges on my account for a service that I ordered but did NOT receive. The charges are from XXXX and pertain to an electronic service that was not delivered as agreed upon ( according to multiple signed contracts in my possession ). I have reached out to CHASE several times as can be confirmed by both recorded phone calls as well as USPS correspondence. Here is the timeline : 1 ) I did not receive goods or services as previously agreed upon. - Scope of work for Mobile app was not fulfilled ( per signed agreement ), nor was the deadline met. Mobile app was never delivered. No product or service was received. 2 ) Before the 120 day billing error deadline, I reached out to CHASE, filed a dispute about ALL ( every single one ) installments for the aforementioned service. 3 ) CHASE acknowledged the validity of the dispute IN MY FAVOR and credited the money ( from said disputed charges ) to my account. 4 ) After reviewing my CHASE statement, I realized they MISTAKENLY did not include 4 of the installments from XXXX. 5 ) I tried to file a dispute ( again ) with CHASE ( for the charges they had mistakenly left out of the original dispute ) since they had agreed to resolve the dispute in my favor regarding the charges. 6 ) Was told they couldnt help and that there was nothing they could do since the 120 days had already passed ( this wouldnt have been an issue had they accurately included all the charges PER MY ORIGINAL REQUEST ). The issue therein lies, 1 ) CHASE, did NOT properly file disputes to all the requested charges. 2 ) CHASE, falsely informed me that there was nothing I could do and that I am responsible for the charges ( the credit card company can be held responsible under Federal Law USC 1666i ) had all charges been properly disputed in the first place, it would have been resolved in my favor and they wouldve been credited to my account ( as with the other charges ) Therefore I am asserting Claims and Defenses and am well within my legal rights to do so. I will be withholding payment until the problem is resolved. According to The Office of the Attorney General of California, XXXX XXXX, as well as the Federal Trade Commission ( FTC ), Claims and Defenses may be asserted as long as the following conditions are met : 1 ) The disputed amount is over {$50.00} 2 ) There has already been a good-faith effort to fix the issue with the merchant 3 ) The full disputed amount has not been paid As is apparent, all conditions are met in this circumstance. The Fair Billing Credit Act, ( Federal Law : 15 USC 1666i ), requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account. To summarize : These charges are still on my account as a result of CHASE erroneous and improper filing and investigation. My efforts to resolve the issue with the merchant as well as CHASE, are documented via several methods of correspondence. Email, Federal mail, recorded phone calls, as well as signed contracts. Ive previously requested to retrieve a copy of my phone call recordings with CHASE to which I was denied the request. CHASE already possesses all documents which aided in the resolution of the original dispute ( in my favor ) such as contracts, emails, receipts, and the agreed upon scope of work of the service. I am asking that CHASE fix my bill as the one year issuance date of the of the first bill of the disputed charges has not yet been surpassed. This formal complaint with the CFPB is my last goodwill method to resolve this dispute. If CHASE does not oblige by this request, formal representation WILL be acquired against CHASE. Summary of charges : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All charges totaling approximately XXXX USD. | ||||||
| 07/16/2021 | Yes |
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| On XX/XX/XXXX I charged {$780.00} and on XX/XX/XXXX while reviewing my charges on the Chase App, it offered a XXXX to break up the charges over 6 months for a fee of {$3.00} and it said if the full statement balance was paid off, there would be no additional fees. I called Chase today ( XX/XX/XXXX ) because I paid off the statement balance of my card on XX/XX/XXXX but Chase continued to charge me {$3.00} on XX/XX/XXXX and again on XX/XX/XXXX ( and will likely charge the final {$3.00} fee on or about XX/XX/XXXX ). I talked to a male Chase CSR who transferred me to XXXX in the XXXX Department ( I asked for an identifier or some other way to identify XXXX if he's not the only XXXX employed by Chase but he refused to give any further identifiers. XXXX did disclose that his supervisor is XXXX but said she was not available. At XXXXXXXX XXXX XXXX, he also said no other supervisors were available and at XXXX XXXX XXXX he acknowledged that he was refusing to escalate this. ) Prior to this, XXXX acknowledged that I made a payment in full on XX/XX/XXXX, so I read the XXXX FAQ to him that says " Once a XXXX XXXX XXXX appears on your statement, you can pay it off early without any penalties by paying your full statement balance. If you want to pay it off before then, you can pay your current balance. If you pay off a plan early, you won't incur any future fees for that plan. '' He said he tried to return the fees but the system would not let him return the fees. I told him I would like to escalate this since Chase 's own FAQ says I would not be charged if I paid my statement balance in full and he refused to escalate it and then backtracked and said he did not say I paid it in full, which the recorded phone call will definitely show he did agree that I paid it in full on XX/XX/XXXX but Chase still charged me {$3.00} on XX/XX/XXXX & XX/XX/XXXX ( why else would be attempt to return the fees if he did not agree that I had been charged the fees in violation of Chase 's terms? ). I looked at the Chase App today and there are certain charges on my current statement where Chase offers XXXX for " {$0.00} fee and no interest '' but XXXX said all XXXX 's have fees. I explained I had screenshots of more than one charge on my current statement with offers of no fees and no interest and he said he didn't know how that was possible. Later in the call he changed his story and said maybe I had a special offer but that is contrary to what he previously said and what the male CSR said earlier on the call. I explained to both of them I selected a XXXX XXXX XXXX a few minutes before I called for a charge to Enterprise and it said " {$0.00} fee and no interest '' - I asked both of them to confirm I was not going to be charged a fee and both said they could not give me that information. I also explained that nothing on the App shows whether a charge is on a XXXX. When XXXX backtracked on his prior acknowledgment that I'd paid the balance in full, he used the term " ending balance '' and I pointed out the FAQ said " statement balance '' not ending balance. He said he couldn't help me any further since he couldn't return the fees and asked if there was anything else I needed. I said " Yes! '' and that I needed help understanding the difference between statement balance and ending balance but he hung up on me / disconnected the call anyway. Clearly the information Chase provides consumers is inconsistent and misleading, so much so that none of the Chase employees I spoke with this evening ( a total of 4 ) gave me the same story. [ I first called to dispute the multiple {$3.00} charges because I thought the vendor was charging me and the App wouldn't let me dispute the charge. I spoke to a female CSR and asked her to initiate the dispute but the system wouldn't let her either. She transferred me to the Dispute Dept who couldn't initiate the dispute either, so she talked to her supervisor and then told me I had to be transferred back to Customer Service. That's when I talked to the male CSR who escalated it to XXXX. ] I'm concerned about the charges Chase imposed after I paid off the statement balance and I'm also concerned that I'll be charged fees for the Enterprise charge I put on XXXX before I talked to XXXX, who said they all have fees, even though their disclosure says there will be no fees. | ||||||
| 08/14/2020 | Yes |
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| I opened a business checking account with Chase the last XX/XX/XXXX - For my dba On XXXX XX/XX/XXXX I went to deposit a check I received from a customer, check for the amount of {$5600.00} - I asked 2 different persons if it is was ok to deposit it as my client wrote the name of the business one word different. instead, XXXX XXXX ( My DBA ) wrote XXXX XXXX ( My website name ). Both of them told me if the address match is non a problem. So went ahead and deposited. I usually bank with XXXX XXXX and I never had any issue because I know this happens sometimes. Apparently Chase tried to call the issuer of the check and nobody answered. and yes, everyone at that company is working remotely. I wrote right away to the finance department and he gave me his business email address because the main office is closed, it is not an essential business. They didn't accept that as well. I gave them the name, business email and phone number. They didn't accept it. The only way for the chase to verify was calling the company name, they didn't want to make an exception. After 10 days they sent me a letter saying they were going to withdraw the money from my account. The Chase customer service was very rude trying to make me understand I was committing fraud. I never touch that money, I run to the bank with all the proofs on my hand to make them understand it was a mistake from my client. I showed them deposits on my DBA XXXX XXXX account with a check issued to XXXX XXXX. I showed them invoices to XXXX XXXX. And they didn't accept anything. on XX/XX/XXXX I went to the bank again to speak with the guy who helped me to open my account, he told me that he was going to escalate the case so they will send me the check back and I can deposit in my XXXX XXXX with no problems. XX/XX/XXXX - The banker told me he was waiting for a response on a solution, to contact him in 3 days. on XX/XX/XXXX - I went again to the bank and they told me they were going to send me the check within 7-10 business days and that they were working avoiding Chase to cancel my account. I asked the reason for canceling my account and he couldn't answer me. on XX/XX/XXXX - I received a letter from Chase saying they withdraw all the money from my account. On XX/XX/XXXX Again I called Chase customer service and they told me the check was sent to my address on XX/XX/XXXX - I need to wait 7-10 business days. on XXXX - I went again to the bank to speak with the supervisor, and they told me again 7-10 days to receive the check. and told me if I didn't receive the check by Wednesday, XX/XX/XXXX They were going to look into potential reissue of the check. I didn't receive anything in the mail. I called Chase customer service and somebody else told me that because it was a new account, receiving the check back will take a month. I asked to talk with the manager and told me during covid19 no manager is available. on XX/XX/XXXX I sent a message to the banker telling him that I need the check back, he told me that he will involve the manager to get this issue resolved. on XX/XX/XXXX I went to the bank, but the manager or the banker didn't know what to tell me. She told me she was going to escalate the case. XX/XX/XXXX - I went again to the bank and they told me that I need to ask my customer if the check is been cashed or no ( Like the own Chase didn't know where is the money ) XX/XX/XXXX - I went to the bank. The manager called to chase and they told us that they have the money but they won't give it to me. Why? I don't know - Racism - for sure!. They always let me in the end, they always take other clients first. I have always waited over an hour to be seen every time I go to the bank. The manager told me I have to call my customer and recall the funds back, they won't do that. They want my customer to go to the office and that is impossible, the office is closed. They only will accept calls from the business phone number. Everyone in the company is working remotely because of COVID19. That means that I won't be able to receive the money until covid19 ends and everyone goes back to work from his offices. This is completely unfair. If they didn't want to accept the check they should have given it back and not cashed it and closed my account. I am a single mom that has to work from home. I request immediate assistance. | ||||||
| 10/28/2021 | Yes |
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| This is a Debt Validation for account ending in XXXX. Contrary to what the company said The account is not currently in litigation as the company has never been served. It is not in Cease and desist status. The company is allowed to communicate about the account for the purpose of this lawful debt validation. This letter is to inform you that the above referenced account being reported by your company on my credit reports is hereby disputed for lack of completeness, failure to validate a debt, violation of FCRA, Violation of Truth in lending act, and Violation of my rights as a consumer and natural person, willfully giving false information, failure to abide by federal laws and regulations. For starters, Chase sent me papers telling me " this is an attempt to collect a debt '' by law this is a violation of 15 usc 1692b ( 5 ). They also stated that I owed the debt which is a violation of 15 usc 1692b ( 2 ). Now, I am disputing the following information directly with you, the furnisher of information, and I am giving a final request that you conduct an lawful investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents as outlined by the FCRA to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which also include complete removal of the account. I am also exercising my federally protected natural rights under the FCRA and FDCPA demanding not requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a physical copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed by both you and the credit bureaus. I have also requested a scope of investigation from the credit bureaus on what was sent in to validate what you are listing on my credit report. Furthermore, Chase shall provide me with proof that I gave them written permission to furnish any information of my natural being. Chase is also listing as the original creditor of the alleged debt. Chase will provide me with proof that they are the original creditor. Pursuant to 15 usc 1602 ( I ) which did you as a corporation use to extend credit? By law as a natural person I extend credit with credit card which is my social security card. 15 usc 1602 ( I ) credit card ( l ) The term credit card means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Again, as a corporation who can not speak nor sign into consumer credit, which original instrument did you use to extend credit and make you the original creditor? Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information are under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation of records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and small claims court at discretion of the consumer. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed. You have 30 days from the date of this receipt to respond to this request with lawful evidence to back up your claims and what you are reporting on my credit report. Failure to respond within the 30 day time frame will result in immediate legal action. Thanks | ||||||
| 12/24/2018 | Yes |
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| On XX/XX/2018, I called to purchase concert tickets for a XXXX XXXX Concert in XXXX, NC as a wedding gift for my wife. I looked up the word XXXX and called the number. When the gentleman from XXXX XXXX XXXX answered, he answered XXXX which was odd since I wanted XXXX but I thought that it was just the way he answered the phone. When I asked him was the XXXX he said yes. I believed that the tickets were going fast. He insisted that they were almost sold out and that I would have to get a ticket both of which were in a different row. The call ended with me being confused and upset about what had been done. I found out later that day the company was not legitimate, was not XXXX and was not honored by the box office for which the venue was being held. I also learned that this is a scalper who took my money, increased the price to almost insanity and then when the tickets were issued I only received one of the two tickets. I immediately called the company in XX/XX/2018 to establish a complaint and ask for my money back. This was to no avail. The company treated me like a subhuman being yelling and being nasty. I immediately on XX/XX/2018 and established with My Chase XXXX card that this was fraud. The card was cancelled immediately and the charge was placed with them since I could not work it out with the vendor. I had to get a new card, cancel and re-route all of my cards automatic charges to the new card. I heard nothing until XX/XX/2018 with a letter saying the charge was valid as I had received benefit from this vendor. Please mind you that the concert wasnt until XX/XX/2018. I immediately called and talked to Chase who said that they would look into it and appeal the decision. They asked for additional information which was an email to XXXX XXXX XXXX where I had complained to them on XX/XX/2018. I sent it to the email that they provided while I was on the phone with XXXX the fraud unit employee in charge of this investigation. Mind you, the company was called by me and my wife with no response other than a XXXX number to called and push option XXXX to hear sorry you will be charged ... XXXX XXXX XXXX. The concert had not happened as it was XX/XX/2018. We did not go and opted to work on XX/XX/2018. I called and followed up many times with Chase particularly that they would do something after the charge appeared on my credit card on XX/XX/2018. This is no joke. How ironic. I called at least 10 times to find out if my appeal had been decided. I was told that on XX/XX/2018 that I would have a decision. On XX/XX/2018, I called only to talk to XXXX again. Who said that the representative misspoke. Huh? He stated that it would be as soon as possible but he did not have a date. On XX/XX/XXXX, I found out that I had XXXX XXXX. I send an email for them to please wrap this investigation up as I wanted to know what I needed to do prior to XXXX. My intention was and is that if the charge stood, I would file a small claim in North Carolina Small Claims Court. I also left a voice message as time had gone by with no response. On XX/XX/2018 on a recorded call, XXXX stated that they had not made a decision but that they would soon but just wanted me to know prior to me going in for a colon reaction that no decision had been made. The kick in the stomach came after my XXXX on XX/XX/2018. I received that kick from Chase again as a post dated letter of XX/XX/2018 was sent to my home and received on XX/XX/2018 saying that the charge stood. This was someone named XXXX XXXX. It was a terrible homecoming from the hospital. I have totally lost recovery days, have been set back by this event and continue to be upset about something that could have been prevented and was not. Chase has not helped. I have requested everyday since then ( I am on day 6 ) sending an email to the person who I originally sent the email to which was XXXX. I have requested the information that was used to make this determination and I have asked for the physical address of Chase so that I could send a certified return receipt requested court summons. I dont have the strength or the ability to pursue this but I can not go on with a shady company that even listed on the XXXX has done the same thing to other consumers. So on principal alone, I pursue it. Please help me investigate and get the answers that I can not. | ||||||
| 02/13/2018 | Yes |
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Web | Servicemember |
| Frauding scams using XXXX XXXX XXXX XXXX XXXX XXXX Indiana of my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Frauding scams using XXXX ( XXXX ) XXXX XXXX frauding my birth certificate of XXXX county Indiana of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX county Indiana of XX/XX/XXXX Frauding scams using the rest of my documents of XXXX and XXXX of XXXX county Indiana Frauding scams frauding XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding my birth record long form of XXXX XXXX and XXXX XXXX of my serial numbered documents of XXXX county Indiana Frauding scams frauding my brother documents of XXXX XXXX XXXX XXXX XXXX Indiana frauding XXXX XXXX XXXX who at birth was XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Indiana of XX/XX/XXXX Frauding scams frauding XXXX XXXX sister documents of XXXX XXXX XXXX married to XXXX XXXX of North Carolina and XXXX XXXX from XXXX county Indiana Frauding scams frauding my XXXX mom 's documents of XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams frauding using XXXX Frauding scams using using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using XXXX XXXX documents of he was a XXXX XXXX retiree My grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana was a public storage retiree Frauding scams using XXXX XXXX XXXX XXXX record of XXXX county Indiana of XXXX XXXX XXXX XXXX of XXXX county Indiana corners record and prior XXXX county Indiana home deed. Frauding scams using XXXX XXXX biological daughter of XXXX XXXX XXXX XXXX of XXXX county Indiana Frauding scams frauding my documents using my great great grandparents documents of corners record using XXXX XXXX married to XXXX XXXX of sir name XXXX all death record 's Frauding scams using her parents of my great great grandma documents of XXXX XXXX married to XXXX XXXX all serial numbered corners records and XXXX record 's Frauding employee scams frauding my documents Frauding scams in 6 large insurance company using my documents Frauding scams using apartment building and racing and business permits Frauding scams using construction company business permits scams frauding fraud using construction companies Frauding scams using chruch groups and pasters and pasters and preachers Frauding scams using semi trucks companies and CDLs driver 's frauding my documents Frauding scams using using herds of commodity broker using my documents off of two federal FBI registrations under XXXX XXXX XXXX and and XXXX XXXX XXXX herds listed me and my who documents stack and fraud sec.gov business permits scams Frauding scams using 50 states groceries stores XXXX XXXX products and Brand advertising or Brand marketing, frauding scams using 50 states diner menu 's and assorted restaurant menu 's frauding scams using XXXX XXXX Frauding scams using schools and colleges and universities and herds of students frauding my documents Fraud scams using herds of XXXX XXXX and XXXX Frauding scams using phone 's Frauding scams using singers and bands and actors and magizines Frauding scams using banking business permits and products and workers Frauding scams using furiture stores and furniture products frauding my documents Frauding scams using others races Frauding scams using using shopping malls and business permits Frauding scams using using department stores frauding my documents Frauding scams using my documents as others towns Frauding scams using my documents as farm advertising for brand talk Frauding scams using lawyers and judges and attorneys and court building Frauding scams using XXXX and XXXX IDs Frauding scams using medical workers and dentists and business and medical building Frauding scams using reality agents and reality business Frauding scams using politican listings Frauding scams using IRS retailers workers Frauding scams using streets festivals Frauding scams using other families Frauding scams using clothing and home 's Frauding scams using subdivision sinage Frauding scams using apartment building Frauding scams frauding my documents as XXXX business permits and IDs Frauding scams using in XXXX as towns and business and IDs Federal block on 65 percent of the USA for date offers and not interested in families and there states area to marry into.. Frauding scams using streets and hwys sinage and towns advertising and factorys business.. | ||||||
| 01/06/2022 | Yes |
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| Hello, Thank you for taking the time to read this. This is concerning Chase Mortgage XXXX company. We applied for a refinance loan in early XXXX with Chase in the amount of XXXX ( our house payoff amount ). They increased our loan amount to XXXX and immediately sent an appraiser, did not disclose that we could hire our own, nor gave us time to get our own appraiser, and did not disclose that we would be charged for that appraisal. We uploaded our documents for our business of our primary source of income and our past documents with taxes. No other company was listed on our taxes. No other company was our primary source of income, ever. Our house was appraised at XXXX above the loan amount that Chase set, not us, as we had only asked for XXXX. An application was made XX/XX/XXXX Their appraisal fee showed up on the application as XXXX. Our monthly payments were set at XXXX. Our interest rate was also higher than discussed on the phone. Chase asked for many documents to be uploaded, a Profit and Loss statement 4 times, several documents were asked to be downloaded 3-4 times. Then Chase went silent. Not giving us any word on a closing date or denial, nothing. The loan officer did not return phone calls or emails for weeks. Then on XX/XX/XXXX they sent us a revised contract. They increased the appraisal fee 94 % to XXXX. To my understanding, Appraisal fees included with rules and guidelines by XXXX have a zero tolerance to being changed. This fee is incredibly unfair as our house is only XXXX sq feet. An appraisal fee for this size should not be more than {$300.00}. believe not disclosing that we could hire our own appraiser, or not disclosing the astronomical amount of their appraisal, and increasing it 94 % is unlawful. Principle and interest went up, and they demanded immediate flood insurance. Within XXXX days, we had flood insurance paid in full ( XXXX dollars ) yet on their revised contract they put their own flood insurance premium of XXXX dollars. Again, trying to take it into their own hands instead of allowing us to buy our own insurance. Instead of giving us a denial letter or a closing date, they started demanding taxes on a company that does not exist and is not on our taxes. We explained to them that these companies have been out of business, and were never a main source of income, that we could not provide tax forms for them as they were not on our taxes and have been closed for several years. They denied our explanation letter, with no explanation. To my knowledge, by XXXX XXXX guidelines, they have no business demanding information on closed companies that are not a source of primary income. As of today, XX/XX/XXXX, they have not sent us a denial letter because my husband and I have XXXX credit, make more than enough money to pay for a mortgage that would actually be lower than what we are paying now, have proven our income by sending all of our bank account statements and tax documents, do not owe IRS XXXX and have had an account with Chase and were never late with any of our payments. I believe that we are being treated extremely unfairly and I feel as though Chase is trying to make us give up and walk away so they can just send us an astronomical bill without loan approval since they do not have a valid reason for denial. They have tried to trick us into being able to deny us, such as they have sent us emails telling us to do something immediately with the due date being posted a day BEFORE the email sent date, making my husband and I scramble from their lack of professional ethics. They threatened that if we didn't do it in a timely manner that is the reason for denial but we had to point out that they were making these demands after the due date. We have bothered our original lender 3 times, for a payoff amount, each time with a little more embarrassment. All of our documents have had to be updated monthly with current balances etc and they have wasted copious amounts of our time. Please, please help us. We are tired and very, very stressed. This amount of frustration has even put a strain on our marriage. I am downloading both contracts so you can see that they in fact doubled the price of the appraiser fees and added their own flood insurance when we bought and paid for our own. Thank you so much for your time, XXXX XXXX XXXX XXXX | ||||||
| 06/07/2023 | Yes |
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Web | Servicemember |
| Chase bank refuses to close my checking account with them, despite me having requested that this account be closed starting back on XX/XX/XXXX. They have charged me hundreds of dollars in XXXX fees, despite my repeated requests to close the account. I canceled my debit card, they kept honoring charges on it. I changed my direct deposit with the VA and they still ( somehow ) got my monthly benefits deposit. I repeatedly, continuously requested IN WRITING VIA SECURE MSG on their system that my checking account be CLOSED IMMEDIATELY and they refused. Every time my account was out of the red, they just sat there and kept approving payments, XXXX debits, card transactions, even though I had already canceled my card and requested closure of my account. This bank is intentionally and fraudulently forcing my account to stay open, while simultaneously continuing to fraudulently charge me XXXX fees- even though they keep sending me msgs saying they WON'T do that - and they keep approving XXXX debits, card transactions, etc. to continuously keep my account in the red so they can keep claiming they " can't close the account because it is overdrawn '' but I even deposited {$20.00} from an outside account to ensure the account would go into the positive so it could be closed AND THEN CHASE INTENTIONALLY PUT A HOLD ON THAT ELECTRONIC DEPOSIT SO THEY COULD KEEP FORCING MY ACCOUNT TO STAY OPEN. On XX/XX/XXXX I was involved in a hit-and-run accident ( the other driver smashed into me, and my granddaughter was in the car, then sped off ). That started all of this craziness, because I'm a 100 % XXXX veteran who gets $ XXXX from the VA for XXXX benefits and have no other income to pull from. As a result of my accident, I could no longer take my granddaughter to/from school and had to use XXXX and XXXX. Then, I had to order food delivery because I could no longer cook ( I have XXXX titanium implants in my neck from XXXX XXXX XX/XX/XXXX, so the accident exacerbated that injury/surgery site ). Apparently, Chase decided to just starting me XXXX fees for literally every single transaction instead of putting a hold on my card ( AS I REQUESTED ) so that's when I canceled my card. But then they kept charging me for " auto transactions '' ( even though that card number was no longer valid ) and every time they charged me {$34.00}. In the end, they charged me {$34.00} a total of XXXX TIMES since XX/XX/XXXX, for a total of {$680.00} in fees in less XXXX weeks. I contacted Chase XXXX times via secure message to try and make them STOP all this illegal, fraudulent nonsense and just CLOSE MY ACCOUNT but they absolutely refuse to do what I tell them - even though I'M THE CONSUMER AND THEY WORK FOR ME- and now they're intentionally holding XXXX the deposit that I electronically sent to my account for MORE THAN XXXX DAYS just to prevent me from closing the account and to keep playing this " GAME '' they are playing with my life and my health. When I requested that Chase reverse all the XXXX fees and close my account back on XX/XX/XXXX I did so as a REASONABLE ACCOMMODATION REQUEST under the Americans with XXXX XXXX of XXXX -- and they STILL have not honored my requests, nor closed my account. I want an immediate investigation into the practices of Chase bank in the operation and closure of my checking account. I want a FULL REFUND OF ALL {$680.00} CHARGED TO ME IN " XXXX FEES ''. I want a letter of apology, in writing, signed by a C-level XXXX. And I want a {$1000.00} check to me for the INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS caused to me by Chase bank for no reason other than... THEY COULD. This is a shameful, untenable tragedy that should never be allowed to happen EVER AGAIN. I'm a totally, permanently XXXX veteran with no other income and I have deposited closed to {$100000.00} since my account was opened and yet Chase treats me like I mean absolutely nothing to them as a banking customer and continues to break all the rules and laws of the FDIC and the XXXX federal government just because they want to and they feel like they can get away with it. INVESTIGATE CHASE NOW- I will be contacting the news. I have all the proof necessary to go after this fraudulent bank, as long as Chase doesn't DELETE AND DESTROY it all, like white collar corporate criminals are known for doing. | ||||||
| 12/04/2022 | Yes |
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| On XX/XX/XXXX, at XXXX pm I received a text message asking if I attempted to transfer {$1300.00} through XXXX. Within a minute I responded No to the message. I immediately received a reply message that said I would be getting a call within 2 to 3 minutes from a representative. At XXXX I received a call from XXXX with a representative stating they were from Chase XXXX The person had my personal information and stated that someone was trying to take {$1300.00} from my account. He had me log into my online banking to confirm that money ( {$680.00} ) had already been moved from my XXXX account to my Checking. He said if I did not move my money right away it would be drawn from the account, and I would not be able to get it back. He said I needed to send the funds to an account they set up for me that the fraudsters did not have access to. They said to send the money through XXXX to XXXX to safeguard my account. Once the account was secured, they would put the funds back. It was not until XX/XX/XXXX that I found out that the person I was talking to was not from Chase. I called Chase on XX/XX/XXXX to follow up on my dispute since my funds had not been posted back to my account. The Chase representative I spoke to did not see a dispute on file for me. I started to ask more questions and discovered that the person I first spoke to XXXX not have been from Chase. A claim was filed with the real Chase representative, and I was provided a XXXX XXXX XXXX XXXX XXXX account. By XX/XX/XXXX my claim was denied, and the provisional credit was withdrawn from my account. This left me with a negative balance, over a holiday weekend, while I was working out of town, and staying in a hotel. I called again XX/XX/XXXX with my sister on the line to see if I could get my claim re-reviewed and spoke to several people at Chase ( XXXX people to be exact ). One of the people we spoke to was a Supervisor in the Call Center ( 3rd person ). She was able to confirm that the {$680.00} that was moved from my XXXX account in order to have {$1300.00} available in my Checking account, was done through XXXX Chase by Phone service. She confirmed the transfer was done on XX/XX/XXXX at XXXX ET ( XXXX PST ). Note, this is two minutes before I received the text message about the XXXX payment. We asked how this could have been done and what information was required to use the Chase by Phone feature. The XXXX said to access the Chase by Phone you need the account holders card number and pin, account number and password, or the userID and password. She could not tell us what information was used to access my account or what phone number called in to the " Chase by Phone '' system. She was able to confirm that I had never used the service before and removed the access to the service for me per my request. I have spent several hours on the phone with Chase over this. I have been given the runaround several times their employees, been provided misinformation, have been hung up on, laughed at, talked to rudely, disregarded, and told that yes there is fraud on your account but there is nothing we are going to do about it. It seems that because this was done through XXXX ( a service provided by Chase ) that everyone at Chase washes their hand of their customer regardless of the situation. Someone got into my account without my permission, moved my money from my XXXX account to my Checking fraudulently, then called me impersonating a Chase representative. I was not being careless with my account ; I thought my bank ( Chase ) caught fraud and was trying to help me. As it turns out, Chase is the only XXXX not trying to help me with the fraud on my account. I was directed to ask my home branch to credit me when the XXXX Department refused to help me and the XXXX representatives said, XXXX that would hurt our branch so thats not going to happen. After visiting the branch, a few days later I received a call from a Chase representative from the XXXX XXXX XXXX who asked me to send her a letter with all of the detailed information I had to reconsider my claim and I would get a call back in XXXX business days. I completed the letter and brought it into the Chase branch as instructed and had a teller send the letter via fax with the complaint ID included. No contact from Chase was received after this letter was sent. | ||||||
| 11/21/2022 | Yes |
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| On XXXX of 2022, I contacted Chase Freedom to report issues with receiving statements. As you know we are in a pandemic and mail has been known to be delayed due to staffing etc. I learned this to be true in my case especially as the new normal. I have not used my Chase card in over a year due to a restriction in place by Chase and it was never lifted after making payment in the past time. I spoke with a supervisor who retracted late fees on my account from $ XXXX {$300.00} down to {$75.00} of what I truly did owe on the account. I asked her if I should pay ASAP or wait for the statement. She advised me to wait for the statement. I inquired when I should receive it and she explained about the Billing cycle and adjustments need to reflect on the next statement. I felt confident that as what we spoke, I would have it in tangible form to be able to make my final payment. I also requested to close my account because I have not used the card in over a year and I did not want any more fees imposed on my account. Time passes and I have not received a statement of the new adjustments. I then wait some more time to pass and finally receive a two statements in the mail. I received one statement in the amount of {$130.00} for an XXXX bill and current statement ( XXXX ) for {$190.00}. I contacted multiple chase representatives and a total of 4 supervisors to dispute the charges on my account as well as to Inquire where missing statements are. At this moment I believe I am missing one or two statements. The statements that I do have do not reflect a new balance of {$75.00} adjustment with imposed fees of the billing cycle of XXXX month but instead I received the latter bills. I spoke with supervisor XXXXXXXX XXXX XXXXXXXX who said she could not help me, and told me that I could have gone online to retrieve my information. I told her I could not, I do not have a PC. Then she claimed that I own a smart phone and that I could pull the account information on there, and that it is my issue if I did not do this. I told her that I signed up for mailed statements as it is the most reliable. I explained to her that she had crossed a professional barrier and I requested to speak to someone else. She told me she would have her manager contact me. Unsatisfied with her lack of help, I called Chase again and and spoke with another supervisor. This supervisor is XXXX XXXX XXXX. I questioned XXXX as to how many statements am I missing and why I have not received the one with the adjustment of {$75.00}. She said she did not see any post delivery failure. She also told me that there is no statement for {$75.00} but about {$90.00} or so with news fees which I have no way to know because I do not have a copy. I explained to her after her unwillingness to help that I needed to speak to someone above her and she told me that a manager will call me back to discuss the account. XXXX at times, would respond in a sarcastic tone. Especially when I mentioned that their practices are deceitful and unfair, their denial as to where my statements are and why I am receiving late term statements. I explained to XXXX that all I want to do is make a payment at that moment of the amount agreed upon of {$75.00} to which see said I could but I will still have late fees. I told her I will not pay what I did not use and for not receiving A. Timely statements and B. the latter statements missing the adjusted and recalculated Statements from the XXXX phone call. On Thursday I receive a call from XXXXXXXX XXXX XXXXXXXX. She tells me that there was a ticket for a return call and that she is a collections department for Chase and not the manager whom I requested to speak to. I asked XXXX for her badge ID to have a third party follow up with the deceptive practices chase has incurred on my account. Every contact I make with Chase never results in a resolution but either I am hung up on, or passed between other Chase employees. Chase does not look to resolve the account as I have told them clearly I would pay the sum agreed upon in XXXX. I told Chase their failure to mail me a statement that would reflect the adjustment but they verbally insisted that It is my fault. I requested each representative to record the convo as well as the convo that took place in XXXX for my protection. I contacted Chase multiple times. | ||||||
| 09/19/2019 | Yes |
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Web | Older American |
| Dear Senator XXXX, AGO XXXX and Consumer Protection Bureau via Complaint ID # XXXX As your offices are aware, we have experienced deplorable customer service from JPMorgan Chase on our home mortgage and line of credit since XX/XX/XXXX. We are seniors and XXXX XXXX XXXX, XXXX MA XXXX, has been our primary residence since XX/XX/XXXX. We purchased our home on no doc through Washington Mutual. Chase took over the loan in XX/XX/XXXX and we refinanced from a 30 year fixed to a 15 year fixed mortgage Chase in XX/XX/XXXX. At the closing, Chase asked if we wanted a $ XXXX line of credit. We elected to accept only $ XXXX at the time, which was not accessed until XX/XX/XXXX. In late XX/XX/XXXX, Chase invited us to increase our HELOC line from the $ XXXX to $ XXXX, but at an increase of 2 % on the entire balance. Going through the financial crisis causing negative Government effect on my FCC Broadcast ownership, XXXX and XXXX children in college, we accepted going forward with the new terms. Chase then delayed for months stating our home value decreased and despite adequate funds in the bank and questioned amount of money I was taking from my owned radio station XXXX XXXX XXXX, XXXX, MA. In XX/XX/XXXX, Chase finally dictated to us that our only option was modification but we had to skip two payments to be considered. Chase then reported us to the credit bureaus and the modification approval for the stated 60 months finally came in XX/XX/XXXX, but extended only 42 months with a balloon payment for the full mortgage due XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, Chase miscoded a bank routing number on a payment and then took months to determine it was their error. Then, Chase interrupted our applications for new financing by starting foreclosure notices. Chase further delayed and hindered our efforts to change lenders. Finally, after finally being put in touch with the Chase Executive Office in XX/XX/XXXX, Chase agreed, in XX/XX/XXXX to a second modification at our out of pocket cost of {$36000.00}. Chase refused to spread that amount over the ensuing 200 payments in the second modification. In both XX/XX/XXXX and upon our XX/XX/XXXX approval of the second modification, Chase promised to A ) adjust late fees, interest charges and legal fees, B ) make sure the credit bureaus knew we were up to date on the mortgage & HELOC, C ) correct Chases superficial appraisal of our home which is at least $ XXXX too low - $ XXXX compared to a complete modification performed by XXXX XXXX XXXX on XX/XX/XXXX at $ XXXX - and D ) make arrangements to finally add to our line of credit. E ) The rate of interest on the new modification is quite high, 4.87 %. We continue to get lip service, run around, rude correspondence and phone conversation from Chase. The letters they have sent to me and your offices have no credibility as they do not address Chase mistakes and the horrible, inappropriate manner of customer service from Chase. The Chase letters repeat their old decisions that were incorrect in the first place. We are seniors, never bankrupt, with a Chase debt of less than $ XXXX on our primary/only residence HUD and the CPB valued several months ago at over {$1.00} million. Chase is disregarding the importance of our Senior Financial Health and discriminating against seniors ability to have simple access to less than 49 % of their home equity for medical, improvement, college and living expenses. Further, Chase has been rude and tremendously challenged in delaying proceedings. Chase representatives stall, take months to say its not this department and have told us to find another lender, get a reverse mortgage or move! With a tremendous amount of phone, email, letter, fax correspondence shared with your offices and Chase, I must ask that you now step in and hold Chase accountable for this harmful, stressful, prolonged and costly behavior negatively affecting us, and other senior customers. We ask for all fee and interest adjustments and for a favorable arrangement to have access to up to 49 % of our home FMV, without further delay. Please respond and thank you for protecting senior citizens who need and deserve your intervention. With our sincere appreciation, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA. XXXX XXXX XXXX XXXX Mortgage # XXXX Line of Credit # XXXX | ||||||
| 01/02/2022 | Yes |
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| Dates XX/XX/21 - physical debit card lost/stolen. XX/XX/21 - requested replacement card, informed by Chase bank that replacement was en route. XX/XX/21 - XX/XX/21 - physical lost/stolen debit card was used for a total of XXXX fraudulent transactions. Amounts XX/XX/21 - XXXX XXXXs {$30.00} XX/XX/21- XXXX XXXX {$4.00} XX/XX/21 - XXXX XXXX {$5.00} XX/XX/21 - XXXX XXXX XXXX {$6.00} XX/XX/21 - New York XXXX XXXX {$6.00} XX/XX/21 XXXX XXXX XXXX {$13.00} XX/XX/21 - XXXX XXXX {$10.00} XX/XX/21 - XXXX XXXX {$84.00} XX/XX/21 - XXXX XXXX XXXX {$62.00} XX/XX/21 - XXXX XXXX {$7.00} XX/XX/21 - SXXXX XXXXr {$38.00} XX/XX/21 - XXXX XXXX XXXX XXXX {$6.00} XX/XX/21 - XXXX XXXX XXXX XXXX {$8.00} XX/XX/21 - XXXX XXXX XXXX XXXX {$12.00} XX/XX/21 - XXXX XXXX XXXX XXXX XXXX$3.00} XX/XX/21 - AXXXX XXXX XXXX XXXXs {$12.00} XX/XX/21 - XXXX XXXX {$6.00} XX/XX/21 - XXXX XXXX {$6.00} XX/XX/21 - XXXX store XXXX {$6.00} XX/XX/21 - Z XXXX XXXX XXXXe {$43.00} XX/XX/21 - XXXX XXXX XXXX {$84.00} Total amount of fraudulent charges : {$450.00} Actions XX/XX/21 - First noticed XXXX fraudulent charges on checking account. XX/XX/21 - Went to local Chase branch ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) to speak about reversing charges. A branch member informed me that because some of the charges were still pending, that I would have to return to the branch and submit a separate claim for the pending charges. While in the branch, the branch member and I were on the phone with Chase fraud department and was informed by the person on the phone that they were able to reverse all but one charge ( XX/XX/21 - XXXX XXXX XXXX {$84.00} ). I agreed to return the next day to submit another claim for the one charge. XX/XX/21 - Returned to my local Chase branch ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) to have the claim for XXXX XXXX XXXX {$84.00} reversed. Branch member that I spoke to said everything was successful and I would be issued full credit for all 21 fraudulent charges. The refunds appeared on my account within XXXX hours. XX/XX/21 - Went to check bank statements and saw that all fraudulent charges that I had been originally refunded by Chase were now reversed and Chase had reapplied all the fraudulent charges to my account. XX/XX/21 - Called Chase fraud department and spoke to a specialist named XXXX, to inquire why the refunds were reversed by the bank. After some looking into my account, she informed me that while my branch had claimed that I would only have to submit one claim for all charges but one, that my branch had submitted duplicate claims for the same charges, and that the refunds for the fraudulent charges were now deemed invalid by the Chase fraud department. After asking why I was told differently by my local branch member, the fraud specialist on the phone informed me that an investigation would have to be submitted and looked into, and that I would have a final decision by the Chase fraud department in one business day. XX/XX/21 - Received XXXX separate letters from the Chase customer claims department informing me that the fraudulent charges were authorized, and that they had actually missed one reversal, and would proceed to remove {$5.00} ( XX/XX/21 XXXX XXXX ) from my account, even though the reversal for that charge was included in one of my letters for reason of reversal. They informed me that they would not be taking any further actions to help my fraud case, and that all original fraud charges were valid charges and they would not be reversing them again. XX/XX/21 - I went into another local Chase branch ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) again, to inquire why the decision was made to reverse my refunded charges. We once again got on the phone with the Chase fraud department, and they informed the branch member that because the charges were made using the chip on the debit card, that it was Chase policy to not refund charges made using a chip. I proceeded to explain that I wasnt told that in the beginning, and that no branch member or fraud specialist that I had spoke to had mentioned that to me. Also, that because my physical card had been stolen, anyone would have been able to insert into a chip reader and bypass using a PIN by selecting a credit option to be ran by the card reader. Not to mention that most chip reader machines do not require debit card PINs. | ||||||
| 07/18/2021 | Yes |
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| My name is XXXX XXXX and my mom and I were recently victim of an unknown person using a debit card at the teller window in XXXX, TX, leaving us with {$0.00} and {$0.00}. Chase is treating us like criminals and refusing to return the money taken. We need help and I'm sure we aren't the only victims! My mom, aunt sister and I all have accounts with Chase. My mom, XXXX XXXX, is a cosigner on all accounts and I on hers. On XX/XX/XXXX, my mom received 4 emails informing her that her requested cards had been mailed. My mom called Chase on XX/XX/XXXX, to make them aware that she didn't request them. The service rep stated that the cards were already mailed. When my mom restated that she didn't request cards, the representatives informed her that she did and they were requedted online and being mailed to her via XXXX. On XX/XX/XXXX, one card, with her nameon it, showed up to my house ( which never should have happened we don't live together ). However, according to Chase the other cards were delivered to my mom 's house. We never received ANY cards. We have XXXX driving pass the house on our NEST camera, XXXX never stopped. On XX/XX/XXXX, money was taken from 4 accounts. After many phone calls/conversations, it was discovered that money was transferred from my aunt 's account into my sister 's and {$2100.00} was taken from an ATM. Also, someone went inside the bank at the teller window and used a card reader and a pin number to take {$4700.00} out at XXXX and {$4300.00} at XXXX. All was done in XXXX, TX. We live in XXXX XXXX. We can prove we were in the state of LA. I was at XXXX XXXX XXXX Hospital at work my mom is retired and at home. The sad part is that the last time my mom was in XXXX was XXXX due to XXXX XXXX. All transactions appear as though my mom completed all transactions but she didn't. Chase returned the {$2100.00} on XX/XX/XXXX but are refusing to return the other 2 amounts. Their reasons 1 ) because the debit card was used with a pin that was shown to not to have been changed and was used correctly each time 2 ) that money was taken at the same location previously at the same location and we didn't report it XXXX the previous transaction was the one done at XXXX followed by XXXX ). I didn't report the other transaction because the XXXX was taken from my mom 's personal account, XXXX ( even though I'm a cosigner ) XXXX was taken from my account XXXX which was my personal account ( though my mom is a cosigner ). Chase will not review their cameras because they are stating that pin numbers are secure and so are debit cards. Chase told us we needed to file a police report ( XXXX XXXX PD ) to make them review their own cameras. We filed the reports, Chase now won't accept/acknowledge the reports. We were told the only way to get them to review their cameras now are to take it to court because they can't prove that it's fraud and therefore won't return our money. On XX/XX/XXXX, the day after the money was taken. We all created new accounts at Chase. On XX/XX/XXXX, XXXX, XXXX, the old canceled cards attached to close accounts were still attempting to be used to which a fraud alert was sent to my mom 's phone and she declined the charges. I am really not sure how they can't see someone else is still trying to use the cards. At this point I'm not sure if there is an inside person at Chase or someone working at XXXX. We have the emails, phone records showing Chase was called ( Chase has no record of being called in XX/XX/XXXX because no notations were made ), we have NEST footage showing XXXX driving by and not stopping, the texts about the continued attempts to take money and affidavits that we submitted to Chase and my mom on camera on XX/XX/XXXX and XXXX all day and no other visitors outside of USPS. My mom is retired they left her with {$0.00} and I with {$0.00}. Now we need an attorney to attempt to get our money back. We have contacted our states AG, they referred us to Office of Financial Institutions and the FBI who were us to the FTC to file additional complaints. This all should have stopped when Chase was contacted on XX/XX/XXXX about the cards not being requested. Chase has a policy that you can't deposit money without a driver 's license/ID but let large sums of money get withdrawn at the window with a debit and pin number. | ||||||
| 12/06/2018 | Yes |
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| This started on XX/XX/XXXX, I called chase, I was disputing a charge on my account that I was not satisfied with. My wife joined an XXXX program and was not happy and left the program early, the XXXX program did not refund her so I went through chase. I called chase stating the services provided did not meet our expectation and we canceled the program in the beginning of the program and wanted our refund. Chase filed my dispute and refunded my {$4000.00}. Ive also provided chase details of my wife being XXXX and this decision was pressured to her by the program instructor ( she was promised a refund from the school but the school denies this ) she even switched from the day schedule to the afternoon because she was pressured into staying, but we got out because we believed the program was a scam. Chase refunded me on XX/XX/XXXX, then on XX/XX/XXXX almost 2 months later chase decides to reverse the charge and believe the school was on the right. Now I am negative XXXX, and have a new born baby that put me in a horrible situation ( I am currently not even able to use my bank account ) I called chase spoke to dispute team, they stated the school provided documentation of my signature on there policy advised them to send me this documents. The documents shows my wife signature not mine, I repeat not mine, my signature was only on the XXXX XXXX app agreeing to pay the amount but NO documents statingXXXX XXXX that I agree with there terms, the school used my wife to there advantage and having her signature on the schools policy, and my initial dispute was for the service that was provided not a refund as a fraud charge. Chase dispute team refused to hear me out and stated no ones is giving you the money back, we can not help you and that they will send me to collections Im XXXX with a new born, I do not even make XXXX a month, and being threatened by chase that I will be sent to collections is frightening. So I took my complaint further to the executive office on XX/XX/XXXX. I spoke to XXXX who tried assisting me, I explained her my situation and that I feel they need a 2nd look at my dispute, XXXX from the complaint executive stated she will, I called her every day after this trying to see if there is a resolution she kept saying not now shell see how she can help me and that she needs more time, I gave her more time, after almost 2 weeks, I call her again, she stated that she sent me documentation showing I agreed ( this is the same documentation showing my wife signature not mine and only on the XXXX XXXX ) I told her that I disputed the service provided not as a fraud, but she did not agree and stated that they can not do anything. I was scammed by XXXX school that my wife only been in for less then a week, and threatened by my bank to send me to collections and refusing to help me in any way, with a new born and financially struggling. I am not sure what to do at this point, I honestly believe that chase could of handled this better and just put me in a deep hole financially without thourally looking into the matter as a service that did not meet my expectations not a service I believed was fraud, i am a father with a new born, my wife is not working, only me, and I am in debt XXXX $ because chase refuses to look into this further, unable to access my bank account, executive telling me that they can do nothing to assist me, and asked me to mark it as a charge off or else they will in 60 days, how chase handled this situation is horrible with no resolutions just a waiting game and waiting for me to stop trying, and now I am stuck, all my savings money ( XXXX I got back from chase went towards my baby shwo r and baby things ) and now I am not sure what to do anymore because I am negative -XXXX, trying to fix this situation and asssit my family at the sam Time ; please look into this with chase, let them provide the documents, you will not see my signature on the school terms only the XXXX XXXX ( which I did not trust ) and help me retrieve my funds, I wish for this not to happen to anyone else and believe chase can do a better job on handling there customers especially a customer that uses chase daily and has multiple family members and friends that use chase. Horrible experience and needs assistance really badly. Thank you for hearing me out -XXXX XXXX | ||||||
| 01/17/2023 | Yes |
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| Please accept this written complaint about JP Morgan Chase Bank 's unjust racial discrimination, profiling, and systemic stereotyping. The bank has served me since XX/XX/XXXX. XXXX XXXX XXXX, who is also an authorized user on my Chase credit card, signed a check to me on XX/XX/XXXX. Previously, I deposited over {$20000.00} on XX/XX/XXXX, and another check in XX/XX/XXXX. I assumed depositing at the ATM would be no issue given the prior history. Both third-party signatures were on the check at the time of deposit. My Chase personal account was fully restricted the following day, and I was only told to enter a Chase branch with my aunt to complete third-party verification of checks, after which the account restriction would be lifted but the check deposit would still have to go through normal processing. The branch examined our two ( 2 ) forms of IDs, which was our chase credit card and driver license. Copies were sent to Chase 's back office after my relative confirmed that the check was authorized to be deposited into my account. After the back office received the IDs showing two black people, I was told my account would stay restricted due to fraud suspicion. I asked them how that was possible because XXXX XXXX XXXX issued a positive pay file batch to XXXX XXXX, and everything on the check matched. After speaking to the back office, I felt overwhelming anxiety and a feeling of being patronized. I asked Chase for the source of information, but they refused and said my checking account would stay restricted. I told them that my account should be unrestricted since Chase verified that my aunt authorized the check deposit, and I had payments to be withdrawn the next day. I went to two more branches on XX/XX/XXXX, to have my account unrestricted and expressed that I felt discriminated against. Associate banker, XXXX XXXX, called Chase back office and spoke to an escalation XXXX who validated the check 's authenticity with the maker and verified funds at XXXX XXXX. The escalation XXXX spoke to XXXX XXXX at XXXX XXXX XXXX, who said Chase Bank called many times to verify the check. After several successful verifications on XX/XX/XXXX, Chase still refused to remove the account restriction, making me feel racially targeted and stereotyped. I arranged a payment on XX/XX/XXXX, to XXXX after returning from XXXX, as I was unable to access my XXXX accounts while outside of the country. Payment was presented on XX/XX/XXXX and returned to XXXX with the " frozen '' notice. Since I was out of the country, my loan payment couldnt be made on time for the XX/XX/XXXX due date, which means the return that Chase caused can possibly affect my credit. My credit reports had no poor payment history before this unlawful account restriction. I couldn't transact on my account at the time of presentation. After visiting numerous Chase branches for two days, I called the maker of the check ( XXXX XXXX XXXX XXXX ), who found it peculiar that the Chase XXXX risk system included a verification number of a terminated temporary employee instead of their corporate number. Since XXXX XXXX XXXX is XXXX of Florida 's largest firms, Chase should have had their number, but it appeared to be a stall tactic to unsuccessfully verify the validity of the check. XXXX XXXX 's Treasury had to quickly activate the terminated phone number to get the matter resolved without any further delay on Chase 's behalf. Even after yet another complete verification during the afternoon of XX/XX/XXXX, my account was still restricted. I was scrutinized and discriminated against after depositing a check from my aunt stocks to help pay off debt that was incurred during a separation from my spouse. I left both Chase branches feeling humiliated and discouraged. The attempt to criminalize me and insinuate fraud was depressing and caused me unnecessary anxiety. If my skin color had been different, I would not have experienced so much prejudice, much alone been locked out of my accounts for several days even after in-branch verification. I am extremely hurt and disappointed as this Chase incident has triggered past trauma due to systematic racism. Banking while XXXX in XXXX means navigating an American world that constantly disrespects XXXX people who had to go through several centuries of systematic racism and oppression. | ||||||
| 03/08/2018 | Yes |
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| To whom it may concern My name is XXXX XXXX XXXX and I feel as a consumer I have a legitimate complaint in regards to the loan I had with Chase Mortgage which has now sold my loan to XXXX XXXX. I have already been to XXXX XXXX and filed acclaim with the NC Banking Commisioner was of course was told by them this was not XXXX XXXX fault and I should contact Chase which I have and was just told by them this too was not their fault how the consumer is always responsible for mortgage mistakes I will never understand! Anyway on XX/XX/XXXX I purchased my new home through XXXX XXXX XXXX that sells their loans and mine was sold to Chase which was great until XXXX they decided to sell my loan to XXXX at the time which is now XXXX XXXX. I know mortgages can be sold but when they are not sold correctly that creates an issue for the consumer and that is not right! Chase sold my loan knowing my taxes were not paid which I also have an issue with do to my tax bill for XXXX County in North Carolina come out in XXXX and they don't pay them until the end of XXXX so payment will be received by XX/XX/XXXX to avoid late charges! Taxes should be paid when tax bills come out to avoid the situation I have been put in! ( By the way if you aren't able to help me could you at least give me a contact as to whom I can talk to in order to see about having this changed in order to hopefully prevent this from happening to someone else ) anyway back to my issue, when my loan was sold to XXXX XXXX instead of Chase going ahead and paying my XXXX taxes or at least sending my funds to the new investor for them to be paid they sent me a check in the mail with a letter that just stated escrow overage. Nothing about my taxes not being paid and that is became my responsibility to pay them when it should not have been since by law my FHA loan had to be escrowed! The only way I found out they were not paid is when I received a delinquent notice from XXXX County NC that my taxes had not been paid I immediately contacted my new loan company XXXX XXXX and was told they would look into it and get back with me. Well needless to say I never heard back from them but did receive a notice from the XXXX County Tax Department they had been paid so I figured XXXX XXXX figured it out! When I received my escrow analysis this year from XXXX XXXX my payment was going up over XXXX dollars a month!! I immediately noticed that in XXXX of XXXX they took it upon themselves to go ahead and pay my taxes without even contacting me back to inform me about what they did!! when I called and questioned it and why they would even purchase a loan without verifying on a FHA loan that taxes and insurance had been paid for the year all they could tell me was I had a shortage In my escrow and I had to pay it back As stated above unfortunately when I filed the claim with the NC Banking Commisioner I was told this was Chase 's fault not XXXX XXXX! I immediately contacted Chase and my loan was sent to a XXXX XXXX ext XXXX in the executive department in order for it to be reviewed! After a month or so even though I have to say he stayed in touch with me just to keep telling me they were still researching it I received word that they too were not responsible which again throws it back on the consumer! Had my taxes been paid instead of sending overage escrow check back to me without an explanation or had my loan been left with Chase I would not be in the issue I am in better yet if the funds had been sent to XXXX XXXX they could have paid them once they got the loan!! What I thought was ridiculous is when I called XXXX back I was told the funds were sent to me instead of XXXX XXXX to keep them from being late if they were so worried about them being late why didn't they go ahead and pay them since they ended up being late anyway due to them sending the check to me without an explanation!! I have had loans before and normally taxes for XXXX County NC have always been sent out the very first of XXXX! I know they tell you they don't make interest of funds held in escrow then if this is the case why don't they pay them when the tax bills come out? Thank you in advance for your consideration in this matter and should you need anything else from me please contact me at XXXX. I will eagerly await your reply XXXX XXXX XXXX XXXX ( XXXX ) | ||||||
| 06/10/2020 | Yes |
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| Regarding : CONTINUED DISPUTE OF CHARGES To Whom It XXXX Concern : I was instructed on multiple occasions to draft a letter and fax to a Chase Customer Service Representative ( XXXX ) in an attempt to continue the dispute the {$2100.00} that was charged to my Chase Bank Credit Card. The Merchant is XXXX and the transaction post date is XX/XX/2020. Claim # ( XXXX ) was processed by Chase where the charges were determined to be valid based on the information provided. Per the XX/XX/XXXX letter from Chase it was indicated that a charge could not be confirmed because the services that were purchased were received or available for use. This is completely false as no services were ever rendered and were never made available as the reservations were canceled by the merchant due to the COVID-19 pandemic. On XX/XX/XXXX, I disputed this determination and provided supporting documentation that conclusively substantiates my claim. On XX/XX/XXXX I spoke to a Chase Customer Service Supervisor named XXXX who informed me that the determination was upheld and I was responsible for all the charges due to my not providing supporting documentation by XX/XX/XXXX and as a result the charges could no longer be disputed per internal policy. It was also indicated by this Supervisor that I would have to contact the merchant if i was to try to be refunded. Review of the XX/XX/XXXX dispute resolution document from Chase indicated that a response was to actually be provided by XX/XX/XXXX however it does not specifically indicate that the case against the merchant could no longer be pursued thereafter. As a result, I, the consumer, should not be held responsible if such information was not clearly conveyed in that letter. It is also important to note that there is no means of communication with the merchant BOOKIT.COM who indicated on its website that due to the nature of this unprecedented pandemic, we have had to close our call centers in Florida, XXXX, and XXXX XXXX. This, effectively, means that we will be unable to provide agent assistance to which they cite the Global Level 4 Health Advisory issued by the U.S. Department of State of Consular Affairs. Moreover, per external media content it appears that XXXX may file for bankruptcy and go out of business ( https : //thepointsguy.com/news/bookit-com-likely-out-of-business/ ). I enclosed a copy of the cancellation email received from XXXX ( ID # XXXX ) where it explains that the resort reservation made with this merchant was cancelled automatically as a result of the COVID-19 crisis. The cancellation was effective as of XX/XX/2020. No services was received/provided by this merchant. Therefore, no payment is to be provided to this merchant as no services were ever rendered. It is also important to note that attempts have been made to contact the merchant at ( XXXX ) XXXX however, they are not receiving any calls at this time. Moreover, in the cancellation letter they stated that you will need to speak to your card cards issuing bank for your options as a cardholder. Considering the unprecedented circumstances and given the all of the aforementioned details, it is without question that all charges from XXXX should be voided as, again, no services were rendered as the merchant cancelled the reservation due to the COIVD-19 pandemic and no refund was ever provided by the merchant and any claim made by the merchant otherwise is completed fabricated as evidence in the supporting documentation provided. I have been a loyal customer of Chase for over 20 years and am extremely disappointed with the manner in which this review has been handled. The bank with whom I have entrusted with over so many years is requiring me to pay for services that were never rendered and has disregarded the clear evidence provided that clearly contradict the explanation given by the merchant. It is completely unfair and poor business practice to hold me accountable for not just the {$2100.00} but also the interest that is incurring on my Chase Credit Card as a result. Again, there is no means by which I can contact the merchant and thus I am unable to be refunded by them. Please do not hesitate to contact me if any additional information is required. I await anxiously for a response to this dispute. Thank you in advance of your assistance. | ||||||
| 01/02/2020 | Yes |
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| To whom it may concern, I am writing to alert you of deceptive marketing tactics that Chase Bank is using that are unfairly targeting consumers such as myself in addition to refusal from Chase Bank to refund an annual fee I paid for a card that they subsequently closed as a result of their deceptive marketing tactics. On Friday XX/XX/2019 I noticed a special offer from Chase Bank when I logged into my account with them. It was a non-public, pre-qualified offer for the Chase Ink Unlimited credit card ( see exhibit A ). Since I was looking for a new card to separate some expenses out for a XXXX business I had just started, and the offer looked good, I decided to apply for the credit card. Since this was a special offer in my bank account profile, I had assumed that Chase Bank knew what my credit profile looked like and was trying to extend their relationship with me due to my payment and credit history with them ( no late payments, balances always paid in full ). On Wednesday XX/XX/2019 I logged into my Chase account and noticed that all of my credit card accounts had been closed by the bank. I found this very odd so I contacted Chase Bank immediately but the department I needed to reach was closed for the day. Over the next several days, I contacted Chase Bank a few more times and eventually got through to the department I needed to get to and was told that my accounts were closed due to a routine random assessment of accounts. There was nothing random about the assessment of my account. It is clear that Chase Bank did not like me for whatever reason and deceived me with a credit card offer specifically targeted to me. My application for that targeted offer directly resulted in all of my credit card accounts with Chase Bank being closed as is obvious from the timeline of events. To me this is a clear indication of deceptive marketing tactics by Chase Bank to give cause to close accounts of customers they do not like perhaps due to me never paying interest on cards, I do not know. I was able to eventually talk with someone at Chase Bank to give me the reasons for closing my account. The main ones being the number of credit cards I had opened recently and the amount of credit that I had available to me. I explained that I opened credit cards if I saw an offer I liked which was why I had so many credit cards, and that I would go ahead and reduce the credit on other issuers credit cards I had in order to get them to reconsider opening my accounts. Two days later I had a notice that my accounts would not be reopened which was a clear indication to me that no one really looked at my credit profile or even considered what I had said, so I tried explaining it again and requested my accounts be reopened again. I suggested they reduce the credit limits on my accounts in order to reopen them. I also suggested they just open one card back up. Their reply to that was it isnt their policy, they will open all or none back up. This was a clear indication to me that they were not even considering reopening my accounts but I went ahead and reduced the credit limits on my other cards and made the request to reopen my accounts a month later. To no surprise of my own, this request was denied promptly. Since it was clear to me that they will not even consider reopening my accounts and will not even have a serious discussion with me about it, on XX/XX/2019 I requested that the annual fee on my Chase Ink Preferred that was assessed on XX/XX/2019 and I paid in full on XX/XX/2019 be refunded to me in full. I received a boilerplate response from them and eventually was told to call a number I have called many times before which results in no one actually addressing my issues ( see exhibit B for my refund request and the subsequent discussion ). At this point it is clear to me that for any action to be taken and to help protect other consumers from Chase Banks deceptive marketing tactics and refusal to meet my reasonable request of refunding my annual fee since the account was not closed as a result of anything I did other than apply for an offer that was sent to me by the bank itself, I needed to contact a third party. This is why I am submitting this formal complaint to the consumer financial protection bureau in hopes of someone actually addressing my concerns. | ||||||
| 01/19/2023 | Yes |
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| On XX/XX/XXXX, I was contacted by an XXXX user saying that they would pay me {$500.00} for using one of my social media posts. Based off of successful past experience, I agreed to this. They then proceeded to say that they would have to send me a check to deposit for {$1000.00} and I would have to XXXX XXXX them back {$500.00} due to the fact that they could not send me only the {$500.00}. I agreed and proceeded to deposit the check sent to me as well as send back the {$500.00}. The check went through without any issues and I thought that the whole situation was over. Later that day I looked at my account and more checks were deposited as well as more XXXX XXXX was sent and payments through a wire transfer. On XX/XX/XXXX, I contacted my bank, Chase, when I realized I was being scammed and they immediately helped me get started with the claims process. I filed two different claims for all of the transactions. One claim was for the XXXX XXXX XXXXayments which were for XXXX different transactions that were all on the same date and all were for {$500.00}. Another claim was also filed for a wire transfer that was for the amount of {$1500.00}, however they filed it as a claim for another XXXX XXXX transaction. XXXX of the {$500.00} XXXX cash payments was initiated by me personally but the rest of the transactions were not personally sent by me. I was taken advantage of as well as promised a certain amount by this individual which I did not receive due to them getting my information. Chase bank helped me file my claims and sent me back the amount I had lost so my account was back to the original amount before the whole thing happened. However, they did not inform me over the phone that the money they " got back for me '' was only a credit provided by Chase. They sent a document saying what the claims were for as well as the amounts, how long it would take for them to review and come to a conclusion, as well as a brief explanation that the money given back to me was credit and not the actual money that had been taken from me. This information did not seem too extensive due to the fact that on the phone with the claims department they provided a lot of information regarding my claims and even said that the chances of me receiving my money back were 100 %. Essentially they gave me a false sense of hope and a false promise as well. During the period of time that I was waiting for the claims to be reviewed, I froze my account so no more false activity could happen. I went into a Chase branch and got a new account as well as a new debit card. They transferred over the funds that were on my previous account into my new one with no problems. After a certain period of time, around XXXX weeks, I was sent a message through my Chase Bank portal on XX/XX/XXXX saying that they had updated information about my claim. The information that they gave me basically said that after further investigation of my claims, they would be taking back the {$3500.00} that I had been given back due to the fact that it appeared I had personally made the transactions. Even after countless times of talking to representatives on the phone explaining I had not personally made the transfers and transactions. If all of this false activity had been done on my credit account, Chase would have been all over the situation and would have fixed the issue in a heart beat. They would have made the account back to normal no problem due to it being a credit account. But because this case was a debit account and the fact that it " appears '' I made the transfers, they would not recover my lost funds. After calling multiple times and being transferred another XXXX times on XX/XX/XXXX, they told me that nothing else could be done. On XX/XX/XXXX, {$3500.00} was taken out of my account which resulted in it being $ XXXX. I would have had to pay an overdraft fee if I did not transfer money from my savings account into this checking account. This whole situation has been awful for me emotionally, financially, and as a college student it has been devastating. I was not able to pay for my college tuition like normal because of the amount that was taken out. My education has been put on hold due to this fiasco and I have felt cheated by not only the people who made the transfers but also Chase bank. | ||||||
| 10/07/2021 | Yes |
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| Chase will not close out my Lease account due to " an internal issues that misapplied my payoff payment ''. Chase is still charging me the monthly note due and assessing late fees. Actions below are pursuant to the lease buy out for the XXXX XXXX as per contract terms. Note : All dates listed below involve hours on the phone calling multiple times because of bad connections on Chases end and multiple hang ups. Once transferred to the correct department supervisor the call gets dropped and I have to start the painful process once again. It takes multiple efforts to get thru to the correct employee. Connections are very bad, breaking up, loud background noises ( once had a rooster in the background ). Extremely difficult and painful process just so that Chase can release me from my financial obligation that I have on my end lawfully complied with. Timeline Notes : XX/XX/2021 : Obtained written instructions from XXXX XXXX XXXX via CHASE on how to payoff and purchase my leased vehicle ( lease term ending XX/XX/2021 ). Payoff good-thru date XX/XX/2021. XX/XX/2021 : Mailed completed End of Lease Payoff Payoff packet with full payment of {$24000.00} to Chase via Certified USPS. XX/XX/2021 : Received by Chase on XX/XX/2021 via USPS verification. XX/XX/2021 : Called Chase Customer Service to check on status of my Title and told by XXXX that the payoff payment was not applied correctly and that a " Ticket '' would be opened and worked by XX/XX/2021 to close out my lease account. No further communication from Chase after that point. XX/XX/2021 : Called back told that " Ticket '' was not worked and now the " Ticket would be " Escalated '' by a Customer Service Supervisor named XXXX. She confirmed that the Lease Buy Out Packet and payoff funds were received and posted to my account on XX/XX/2021. She along with all other agents I spoke with promised and guaranteed profusely that the " Ticket '' would be worked, and the payment would be applied correctly back to XX/XX/2021, furthermore that all late fees and negative credit file reporting would be reversed and corrected. To " rest assured and not to worry about it ''. Never in the three years of my lease were payments ever late. No further instructions nor next steps giving and I was told to just wait that someone would contact us sometime in the future. " To just be patient ''. XXXX/XXXXXXXX : NO further word from Chase, a secure message was sent requesting follow up. Messaged back and asked to call in for further follow up. XX/XX/2021 : Called in as per Secure Message instructions. Spoke to XXXX XXXX Service Specialist Supervisor. He read XXXX 's notes stating that she sent a follow up internal email to the department that needs to work my " Ticket '' and that she herself was waiting for a response from XX/XX/2021 - no corrective action taken as of yet. XXXX asked me to continue to be patient and to not worry all would be back dated and corrected. " To be patient ''. XX/XX/2021 : No further word from Chase, called back. Agent told me to give it a few more days still not action taken. Told me that she would place my account on " hold '' so as to not get collections calls. Again we have never been late on a payment- complete payoff amount was sent for {$24000.00} and I am having to deal with a possible collections. By this point we are in XXXX and FCRA violations as Chase has not released me from my obligations. XX/XX/2021 : Still no word from Chase. Account Service Supervisor XXXX related notes from Customer Service Supervisor XXXX that " issue is due to an Internal Chase Tax issue and that no further details could be given to me that they are still working on it '' ; totality of payment will be back dated to XX/XX/2021 and all late fees will be reversed not to worry. -- I'm worried!!!! Told to continue to be patient. No further instructions given -- explained to XXXX that my auto tabs and registration are due XX/XX/2021 and that I need my title in order to be compliant with my state laws and comply with proper vehicle registration. That by not " working my ticket '' their practices are abusive, distressing, and unlawful. XX/XX/2021 : Called again and spoke the another Account Services XXXX named XXXX who stated " he can fix my problem '' and will call me when it's done. I wait patiently. | ||||||
| 10/02/2018 | Yes |
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| XX/XX/2018 : Charge for {$280.00} from XXXX XXXX XXXX placed on my card. This is an unrecognized/unauthorized charge. I have never purchased anything from XXXX XXXX and have not booked a holiday through any merchants in that time period. I did not make a purchase for a friend or family member. XX/XX/2018 : Charge disputed by me ( cardholder ). XX/XX/2018 : I send a request for updates. XX/XX/2018 : Response received that " we're working on it now ... '' XX/XX/2018 : I receive a letter in the mail requesting more information. I respond as follows : " Hello, I am providing information as requested by a letter I received today. I do not have any information regarding how this charge may have appeared on my account. I have not traveled recently nor made any purchases that I could think of that belong to a XXXX XXXX subsidiary. I also do not have any similar transactions from that time period for a similar amount that could possibly be confused. Did I ever give this merchant my credit card number? No, I have never flown with XXXX XXXX or purchased anything from them. I have not contacted the merchant at this time, as I do not no who or where I would do such a thing. Is there a possibility someone I know could have made this purchase? No, I am the single cardholder and have no family or friends with access to my credit card. I do not recognize this transaction. No merchandise or services were received by me or anyone authorized to use my credit card. My credit card is in my possession. Thank you. '' XX/XX/2018 : I receive a letter in the mail stating that the disputed amount will remain on my account as " the merchant was unable to assist '' and that no wrongdoing was found by Chase. I sent the following message : " Hello, I just received a letter in the mail giving an update on this dispute. It says the merchant was unable to assist ' and as a result the disputed amount will remain on my account. Could you please explain how this is acceptable? I thought the burden of proof was on the merchant to prove a legitimate transaction? At the very least I would like details as to what the purchase was. Again, I have never made a purchase from XXXX XXXX and am rather upset by this. I have spent a lot of money on this card and would consider closing all of my Chase accounts unless I at least get some sort of reasonable information. '' At this time Chase reopens the case but comes to the same conclusion without apparently getting any information from the merchant and without further research. XX/XX/2018 : I contact XXXX XXXX on XXXX and speak with a representative within a couple of days. Due to " XXXX Privacy Laws '' I can not be given information about the charge since I do not have information about the booking. They state that a holiday/vacation booking was made for an individual other than myself ( indicating fraud ) but can not provide further information as I do not have any direct information about the booking. They recommend I re-contact Chase to have them officially contact XXXX XXXX so that the matter can be cleared up. XX/XX/2018 : I contact Chase for a third time with the following message : " Dear Chase, Thank you for your prior investigation of the above charge. I did see that the resolution states that you contacted XXXX XXXX and were unable to get any information from them. I have spoken with a representative at length who, due to XXXX privacy laws, could not give me further information on the transaction but requested that I re-open the investigation with you and that they would have more information that they could provide you in an official capacity. I would very much appreciate if you could reach out to them to see if this information would be of assistance. Thank you. '' XX/XX/2018 : I receive a letter in the mail from Chase stating that again there was " no evidence of a billing error based on our research ... ''. At this point I still do not know what this charge is or why it is on my card. No evidence has been provided to me that this is a legitimate charge. XXXX XXXX has suggested that it is a fraudulent charge. For these reasons, I would like to submit this complaint to Chase. This is not a wholly-encompassing summary but I did my best to include all relevant details, dates, and conversations. Thank you. | ||||||
| 04/24/2023 | Yes |
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| XX/XX/2023 : {$330.00} online charge with my debit card by XXXX XXXX for 3 travelers ( none of whom are me nor do I know ) from XXXX, FL to XXXX de XXXX ( continuing flight {$2700.00} for 4th passenger name, XXXX de XXXX to XXXX, XXXX was declined due to insufficient funds ) XX/XX/2023 : notified Chase of fraudulent charge ( Chase records show the following reviewed my account on that day XXXX XXXX and XXXX XXXX ) XX/XX/2023 : temporary credit put back in my account XX/XX/2023 : notified by Chase after review, it was a valid charge and they would be debiting the funds back out of my account XX/XX/2023 : contacted Chase to dispute, after several attempts and escalation to a supervisor, I was told to go to the branch where the branch manager could be sent an email with the supporting documentation they used to make their determination XX/XX/2023 : went to branch, worked with XXXX who called and was told it would only be provided via mail, again call was escalated, she was able to get the documents for me ( Chase records show the following reviewed my account on that day XXXX, XXXX XXXX ) XX/XX/2023 : documentation shows receipt for ticket ( s ) none of the names listed were mine, nor was the email/telephone number used to make the reservation mine, I was also not in XXXX where XXXX appears the online charge was made only thing that connects the charge to me was the use of my name for the debit card charge, and my debit card number ( the receipt indicates card was not present XX/XX/2023 : was assured the claim would be re-opened and a resolution within 3-4 business days which was critical as they refused to stop the funds coming back out of my account on or before XX/XX/2023 and would cause autopays to overdraft my account including car insurance which if not paid would have resulted in my premium being cancelled XX/XX/2023 : When to XXXX XXXX to find out how to file a fraud claim and received the necessary packet XX/XX/2023 : returned completed packet and received case number from the police department for my claim XX/XX/2023 : charge was taken back out of my account XXXX : numerous calls and requests for status updates made only to be told on XX/XX/2023 ( Chase records show the following reviewed my account on that day XXXX XXXX ) that the claim had never been reopened and that 2 attempts had been made to have a re-review done however the back office declined the requests ( none of this information was provided to me verbally or in writing nor was it indicated on my account ) XX/XX/2023 : attempted to close the account however they denied the request as the account is now $ XXXX XX/XX/2023 to present : multiple overdraft fees, and bank charges have been applied to the account XX/XX/2023 : opened new account with different bank, switched all autopays to them and set up direct deposit XX/XX/2023 : went to branch and spoke with branch VP XXXX XXXX who took all supporting documentation and police case number to submit to an alternate area that could re-review the case XX/XX/2023 : again asked the account be closed and charges removed, was advised they can only remove 2 overdraft fees per calendar year ( currently there are XXXX generated due to the payment of a fraudulent transaction XX/XX/2023 : update from PD detective investigating my claim said airline is refusing to provide information and continues to refer him to Chase he is waiting on results from a subpoena but has little luck verifying the email addresses and/or phone number used in the transaction I am infuriated that Chase can get away with charging their customers for debits that only contain the name and card when making an online purchase with no other connection to the customer. Communication from the banks fraud department, the need to escalate each time to get something accomplished, the fact that each call took anywhere from 40 minutes to hours, the lack of empowerment they give their front facing agents who answer the initial calls, lack of follow-through, unwillingness to listen or entertain the idea that they could have made an error is appalling. I will say the 3 individuals Ive worked with at the XXXX XXXX XXXX branch in XXXX XXXX, TX have readily seen that the charge strongly indicates it could be fraud and have been nothing but kind and willing to try and help if they can. | ||||||
| 07/16/2023 | Yes |
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| Check # XXXX Amount : {$23000.00} Post Date : XX/XX/2023 I deposit a check to my Chase account, the check is payable to me, or neither is my business. This check was already cleared and all the funds are already available and posted to my account for more than a week, but Chase Bank restricted my account and hold my funds, currently, all funds are not available for withdrawal. Chase Bank requires documents for proof of the relationship of my business, I've have brings the documents that they required with me to the branch in person, and had the branch manager fax or send them to the Chase back office, they told me that " this process might take up to 48 hours for them to complete the review, after couple days I've sent the document that they require and calling back trying to get updates on my accounts, After a weeks later, Chase told me that they still haven't received any documents that I send, so that I did brings the documents with me and went to few other chase branch have the agent make sure that Chase did receive it, Anyway today I've been calling chase so many times and ask if they can help me removed the restriction for me, since all the required documents already sent. Finally, after I provide a branch manager 's business card to the back office the branch manager responds to me that, She did see it on Chase systems regarding the documents that I've sent, such as '' The EIN form from the IRS, Copies of Corporation or Business Entity Documents from the XXXX Department of the State PS : REMEMBER THIS CHECK IS PAYS TO ME neither the business Finally, they responds that they did receive it but this time, they ask for me to call back within 2-4 hours for them to final review it, I asked : Will they able to have the restriction removed once they completed the review, They responds to me : Yes ..... Lastly, I called back to see if they have helped me resolve my issue, but here 's what happens '' This time, the manager told me that : He did receive my Corporation or Business Entity Documents, So since my name does not appear on the website on the filing receipt issued by the State Department entity, they can not remove this restriction unless I update my name on the website. I did contact the accounting office who helped me file the business entity and they said it was not a hassle to list the owner name on the website and the process could take up to several months for updates. Chase now have close the account without any notify me. I'm very disappointed with what Chase is doing so far, the manager even told me that he didn't even look at the document and that extra steps need to be taken now to remove the restrictions, They need to check with the issuer of the check, ( I did give them the issuer 's phone number at first, but the agent told me it wasn't found on the Chase system, and " this is the only phone number '' since they registered the business since the business is listed ) Now, this time he did take the number and they told me " no one answered '', I was just talking to the issuer, Weird rage at how they responded to me, always got a different response every time I called, the Chase agent didn't help me with this, just asked for more and more documents, Me, the client opened the account, but so far I find it odd that they are being treated unfairly, that the bank is restricting the client 's account without giving them enough notice, and asking for too much verification, even though the client has Sent the information they asked for, but they are still holding the account, no funds can be withdrawn, the way they speak to me is very rude, waste my time, even violate customer privacy policy, no explanation, right to transparency, fairness and honesty right to trade, applicability, privacy Banks are obliged to keep personal information of customers confidential unless disclosure is required by law or with customer consent. The charter states : " Customers have the right to be protected against communications of all kinds that infringe their privacy. '' Banks can not pass your details on to telemarketing firms or cross-sell. " There have been cases where bank officials asked customers to arrange investment routes based on transaction details... I feel that the bank is unfair to me at this time and violated the rights of customers. | ||||||
| 03/15/2021 | Yes |
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| On XX/XX/2021, location XXXX XXXX XXXX XXXX, XXXX, OH XXXX approximate XXXX est. I was denied funds from personnel checking account after submitting [ thru airtube transport provided at drive thru lane ] 1. personnel photo state I.D [ signed and current ]. 2. Matching account CHASE debit/visa card 3.Personnal check on matching personnel CHASE checking account, signed front and back. A assumed cashier, appears 20 yards away at a window and announces a first name. I announce that what she has proclaimed is meaningless, as she is in a financial institute with full face covered, which is a " felony in progress '' .at which I would not be able to admit it is she, in a court of law. Cashier receives, returns after leaving window station and states she is not able to read the writing on the check [ it is cursive ] would I like to write another? I make a noise and and reach for checkbook to write another. She leaves window after sending back an empty airtube. I send another check, only signed on front, along with a paper note requesting her to void out last check transaction. She returns to window retrieves items from airtube and states she, '' has shredded the first check ''. { completely out of ordinary protocol and other financing product rights ] She quickly states ; '' let me see if I can find it. '' I ask quickly, Please send a transaction statement so I may verify these transactions. " Oh, I haven.t done anything yet. '' she says. I reply, " I want one anyway '' .. she mutters and I hear a word, " manager ''. Returns to window and states ' can you give me the code. '' I say, what are you talking about? I gave you 2 checks made out to me for cash, my photo ID and my debit card. By the way you need to send back the 2nd check, I did not sign the back. While sending back the 2nd check she is asking about a cell number. I sign check and send back while asking cashier are you referring to the banking contract I have with and the cellular phone number attached to it? It is XXXX *** ****. I am angry now. " If I was to write that check to any stranger, all they need is come to this bank, with check and their ID and you would cash it. '' " I will get the manager '', " we send codes to make another layer of security. '' " No I do not agree to more intrusiveness with my phone, you have more than enough information to process and cash the check. '' Another person fully face, covered appears into the window at a the 20yard distance and claims to be bank manager, " XXXX XXXX '' I tell him that may or may not be true I can not testify to recognizing him as his face is fully covered. " You DO understand that is a felony, you are masked and not allowing me access to my funds! '' { definition of robbery ] ' '' XXXX ', if I gave that check to another person they would only need photo ID to cash it here! '' 'XXXX XXXX ignorant response, '' No, that's not true. '' My reply ", I have given you 2 checks signed in front of cameras and staff and you have my photo ID and debit card all matching and the correct phone number. '' 'XXXX ' says, 'I can give you my card '' I reply ; Sign the card so I have identification that it is you ', " I WILL NOT '' says, 'XXXX ' 'XXXX ' states to me, " you must tell the code or we will not run the transaction. '' " Just give me the funds or I will be calling the Federal Banking and Financial Commission! '' I announce. 'XXXX ' laughs and hollers, " NO YOU WON'T. '' 'Are you SERIOUS? I am calling right NOW! ' An airtube arrives back to my car side while, i am dialing to file a complaint, XXXX is saying for me to come INTO the bank and use my debit card inside for the transaction. ( some how his logic is the only debit card and photo ID will be needed inside, no signed check or code? ) " Absolutely NOT. '' I reply, while being put on hold. As I search the airtube for contents, there are 2 fully intact checks, debit card, state ID an an unsigned business card. XXXX 's voice is saying there is a requested transaction statement on its way. I set in lane while on hold and take photos of all the cars in lot. Federal Finance Commission gives me CFPB to file complaint with. Denial of services, attempted felony robbery, [ DID NOT scrap check/Never give a verbal code of acceptance. } changing standards of banking practice at whim. | ||||||
| 07/13/2022 | Yes |
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| I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you CHASE, that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from CHASE dated XX/XX/2022. In the amount of {$4600.00}. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights. ( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient. | ||||||
| 09/05/2023 | Yes |
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| I have been a member of Chase bank for close to 15 years now I have a personal checking account personal credit card, along with a business checking account and business credit cards. Back in XXXX I was on a business trip with United airlines. United Airlines ended up delaying my flight so bad that I missed my connecting flight to XXXX left me stranded in XXXX, told me to purchase a different ticket and some goods in order to take care of myself since I was stranded, and I would be reimbursed. Once I got to XXXX it also became apparent that United had lost my luggage as well and I did not have access to any clothing or goods for four days, I was again told to make purchases in order to get reimbursed. I made some purchases that I needed through United with my United Chase business card. Once I got back to the states, I contacted United in order to get reimbursed for these charges and was given the complete runaround from. After multiple phone calls and emails it was becoming apparent that United was not going to handle the charges, so I called Chase bank as they are the co-partner of this Chase United business card. I called on XX/XX/XXXX and told Chase what had happened and that I wanted to dispute these charges, at that time these charges were taken off of my business credit card. I never received any communication about these charges. On XX/XX/XXXX I had still not received any word on the status of these charges. I called and was told the issue had been resolved. I decided to close my account as it had been over 2 billing cycles and was told this was resolved and I did not plan to do any more business with United. I was mailed a check for my negative balance on the account ( attached ) once it had been officially closed. On XX/XX/XXXXXXXX when I came back from a vacation in XXXX, I opened my Chase account to find that my Chase United business card had been reopened and that all of the United charges were back on the credit card and that there was a payment due by XX/XX/XXXX ( XXXX statement attached ). I HAD NOT received any communication about my account being reopened, or the fact that I was now responsible for these charges. Chase NEVER reached out to me to notify me what was going on. Ive proceeded to call Chase multiple times only to be transferred between the dispute department, the recovery department, and the fraudulent department for the next three weeks I spent over 35 hours on the phone being transferred between department to department and then being hung up on by supervisors. I was asked to send detailed information and evidence regarding the incident in XXXX in obtuse mods of medium like fax and mail. I complied, and also sent secure messaging on chases website as they refused to give me a case number in order to move forward. I would keep calling Chase back to ensure that this detailed information was received as I was told it was very important. I was also told that I did not need to make the payment on XX/XX/XXXX since this was already in dispute. Today, XXXX XXXX I called Chase again to see what the status of this process was regarding this. I talked to XXXX different agent and spent over XXXX XXXX hours on the phone. I had been told there isnt any information regarding the new dispute and fraud wont allow charges to be marked as fraud twice. This is why I am being charged late fee and I NOW have a whole brand new account I was told by supervisors that this is outside of the date range from fraud, and that there was absolutely nothing that could be done. This piece of information had never been explained to me in the XXXX hours a phone conversation that I had between dispute fraud and recovery department. I am now being told that I am responsible for these charges in spite of the fact that Chase coded this wrongly back in XXXX as these were supposed to be coded as a dispute and not fraud. I am told that I am going to have to pay for these and XXXX responsible for them in spite of their mistake and in spite of the fact that they NEVER communicated that this account was going to be reopen or that these charges were going to be put back on the account XXXX MONTHS after the issue occurred. I am not responsible for these charges. Chase should have communicated with me which they have failed to do since the get go. | ||||||
| 03/27/2022 | Yes |
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| On XX/XX/XXXX, I was approved for rental/relocation assistance by a non-profit organization named XXXX XXXX XXXXXXXX XXXX XXXX XXXX . After months of waiting the organizations, director personally contacted me on XX/XX/XXXX & told me that I could pick up my rental assistance check. I arrived at the organization 's headquarters to pick up the check on XX/XX/XXXX, the check was written in my prospective landlord 's name. Me and the landlord had a mutual agreement to sign the check over to me in order to allow me to payout the rental assistance funds on a month to month basis. On XX/XX/XXXX I left the " XXXX XXXX XXXX XXXX XXXX XXXX '' headquarters and drove to my nearest Chase bank branch to physically deposit the check. I met with my prospective landlord ( endorser ) at the Chase branch location and he physically signed over and endorsed the check to me, afterwards I walked into the bank and deposited. There was a 9 day hold placed on the check until it cleared. After waiting out the hold period the funds posted available in my Chase checking account on XX/XX/XXXX but I was still unable to access them. After calling & speaking to a Chase representative on the phone I was told that the check had cleared but had not been verified because it was in another person 's name, and that my account had been frozen and was pending closure in a few days. So, I asked the Chase agent at what point was I going to be notified of this action being taken? The agent told me that I should've received a letter stating this action being taken but I contested that I did not receive any letter of notification. I then proceeded to mention that the bank should be able to see clearly that the check was endorsed by signature of the person who's name the check is written to. The agent replied to me stating they don't know if that is the actual person. I then asked the agent why didn't they attempt to verify by calling the person and asking personal identification questions. The agent replied asking did I have a phone number that could be provided for the endorser? I replied back with the phone number. The Chase agent placed me on hold, came back to the phone stating that they were unable to verify the phone number. So, I asked did you call & speak to someone or leave a voicemail? the Chase agent said they do not call to verify ; they use an internal database for verification and that there was no public record of the phone number showing in their! database. I asked the agent why is their internal database the only method of verification? and argued that it didn't seem fair or feasible that it was only through their internal database that someone can be verified. Why not any other methods of verification in place since that internal database would only be consistent of other chase users only. The agent finally suggested that all parties ( myself & the endorser ) should come into the local Chase branch together and sit down with a banker to sort it out. I argued that would've been an option on XX/XX/XXXX when me and the endorser physically met up so he could sign over the check but now it wasn't a feasible option because of both parties work schedules conflicting. It was a legitimate check and transaction, it also defeats the purpose of customers having the option to sign over/endorse a check to someone else WITHOUT going into a bank ( I could have used mobile check deposit ). I then asked the Chase agent how they could just close my account after the check actually cleared, how can you guys just take my money? The agent claimed that they were not holding/taking my check and that I could call even after the account is closed to continue attempting to verify the check. The agent told me they do not and will not continue to verify the check unless I continue to call into Chase ( but that is the banks job to verify not mines ). At this point It became clear to me that Chase bank had not even done any sort of investigation to verify a completely legitimate check. I argued that the check also has the phone number of the " XXXX XXXX XXXX XXXX '' non-profit organization on it and that they could have used that number as well to also verify. Lastly to add more of a slap in the face, weeks after they shut down my account Chase sent me a hard check for XXXX cents. | ||||||
| 12/03/2017 | Yes |
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| I am reporting the dispute dept. at Chase bank. I had an issue with XXXX XXXX Car dealer due to two charges on my Chase credit card. When I contacted chase initially they refused to even consider disputing the charges because they said if I received the service then they could not dispute the charges. But because I reported them to your authority they considered starting a dispute and temporarily credited my account. this was almost three month ago. I sent all the required documents including invoices and second opinion as they requested from another repair shop but I kept receiving letters from chase telling me that if the disputed company which is XXXX XXXX confirmed that the charges are valid that they will reverse the temporary credit and post the charges. They also gave XXXX XXXX 3 month to respond. Then when I finally received a letter from chase with XXXX XXXX response almost after 3 month from starting the dispute I was given only a week to respond to continue the dispute. In addition the response was full of lies and addressed only one charge and left out the second charge. Does anyone in Chase dispute department read anything I sent to them? Here is what I send to them and you decide what keeping them from giving me permanent credit : XX/XX/XXXX Response to XXXX XXXX Letter : XXXX XXXX responded only to the charges on the first invoice for {$630.00} and did not address the charges on the second invoice for {$780.00} to change the thermostat. These are facts to correct what was mentioned in XXXX XXXX response letter : 1- I went to XXXX XXXX on XX/XX/XXXX because I had an engine light came up after a rock hit the bottom of the car while I was driving. I did not go there to request oil change or any of the other services they claimed I requested. How would I know that the breaks fluid or a cabin filter needs to be changed? I dont know these things! XXXX XXXX with XXXX XXXX called me after two hours from dropping the car and mentioned all these issues that I was not aware off. He made me believe that the light will be out when I get it back. After paying the first invoice when I got inside my car the engine light was still on. I did not leave. The car was still inside the dealer. I talked to XXXX who told me he made the light go out himself but when he went to the car and saw the light was still on he said the light must came back when they drove the care to bring it to the front. He scrambled some papers and said the light was not going to go away until they changed the thermostat. He also added the car might heat and burn if the thermostat was not changed. Of course, I was upset, and I needed to think about spending another {$800.00} to replace the thermostat. I drove the car only few miles to go back to my condo in XXXX. I parked the car and was afraid to drive it. 2- XXXX XXXX kept calling me and assured me that the engine light would go out once they replaced the thermostat. I went back so they would change the Thermostat. I drove the car few hours before the light came back again because the thermostat was not the issue that was causing the engine light to be on. The second invoice to replace the thermostat was for {$780.00} ( was not addressed in the dealer response ). 3- The engine light issue was due to a damaged sensor and electric wire near the bottom of the car and was repaired on XX/XX/XXXX at XXXX . The cost was {$280.00} per the invoice attached. Also at the time of the repair they got my attention to the discrepancy in the mileage readings on XXXX XXXX invoices. My car had only 59,490 miles and not 95,956 miles. To summarize : On XX/XX/XXXX my car got hit by a rock which damaged the sensor and wire at the bottom of the car. The repair costs only {$280.00}. XXXX XXXX created other issues without addressing the only reason I took my car to their garage which was engine light on. My car did not need oil change or break fluids flush or break works. I have never asked for any of these services. And the thermostat was not the issue because after installing a brand-new thermostat the light came back on. Since the correct repair was done at XXXX the light never came back to this day. The cost was only {$280.00}. I am requesting a permanent credit for the two invoices from XXXX XXXX for {$630.00} and {$780.00} | ||||||
| 07/25/2019 | Yes |
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| To whom this may concern, Chase bank has not done what I the customer has asked them to do for nearly two years now. I asked a representative in the end of XXXX to remove me from chase mailing solicitation list. I still till this day recieve offers. I requested this when I learned that I became a individual affected by the XXXX data breach. Plus one of my personal accounts with chase was hacked into. Not the account I am about to speak about. When I called chase in XXXX at some point in time I was still in the process of paying off a cc with chase. I paid the cc off on XX/XX/XXXX last payment {$84.00}. See attached. I called chase this day and spoke with XXXX XXXX customer service representative and made this last payment and requested that a letter be sent to me indicating my last payment and that I wanted the account closed due to being at high risk of fraud due to the above mentioned data breach. XXXX who. I could barely understand said Okay. I recieved the two letters in the mail. ( See attached. I noticed it didnt say account closed but I didnt look into it and trusted that the right thing was done that I the customer asked to be done. Today XX/XX/XXXX I received a ready to use credit card in the mail. The account that I paid for and asked to be closed on XX/XX/XXXX! The account is still open. ( I really think chase needs to go back and listen to the XX/XX/XXXX conversation with myself and XXXX. ). I am highly upset and concerned that the account is still open. I called chase and spoke with XXXX who said that the account is still open. I explained to XXXX that the account should have been closed months ago and that I am highly upset and concerned due to my credit being at risk due to the XXXX data breach. I asked to speak with a supervisor. XXXX states Your over reacting and running yourself in circles. This isnt a big deal. I then asked XXXX to take my name off the mailing solicitation sending list to exclude me from getting any further credit card offers or loan offers. XXXX states I cant do that. At this point in time I The customer almost lost my cool, but continued to ask to speak to a supervisor. After five times of asking for a supervisor XXXX finally transferred me to XXXX. I couldnt believe that XXXX took my situation so lightly. It really amazed me and scared me to know that this kind of person was involved with handling my finances. ( this phone conversation needs to also be reviewed. The time was betweenXXXX and XXXX on XX/XX/XXXX Thursday ). XXXX was calm and collected with her words and seemed to empathize with me much better, but responded like a robot. I explained the situation and right away XXXX closed the cc account ending in XXXX and said to me Yes we do have the ability to exclude you from the solicitation mailing list so that you wont recieve mail with offers for cc, loans and advertising. XXXX was wrong. At this point in time after being told I could not be excluded for years from chases mailing list I realized I needed to complain to another agency regarding chases horrible customer service and sloppy way of running a business. XXXX stated I am sending you a letter indicating that the account ending in XXXX was closed out today and that your name will be placed on the no solicitation given for offers etc.. Not once did either of these woman put any empathy or true understanding of what I was going through into the conversations. That is not the kind of individual I want handling my finances. This is scary. I have been battling since XXXX with this XXXX data breach trying to save my personal information from being hacked. I explained this to chase in XXXX and multiple times afterwards including today. No one at all has taken this seriously. This is my lively hood. Im sick and tired of having to remind chase to close my cc out. They keep it open for their satisfaction. I am the customer and I have the right to close any account I want without being questioned! Also, just so this is on record. I have a checking account with chase also. When I to, d XXXX that I wanted taken off the mailing solicitation list XXXX advised me that I would still recieve my checking account statements considering I donot do online banking. This is called CYA because if chase ends up screwing my checking up. This is proof! | ||||||
| 06/14/2018 | Yes |
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Web | Older American |
| What Happened? I instructed Chase to wire funds for me to XXXX XXXX XXXX to pay a monthly mortgage they service. I gave Chase all the information required to wire funds, but it turns out and they never executed the wire, As a result I had to pay a late charge of {$440.00} to XXXX XXXX ( the bank that services the mortgage ) I wrote a lengthy letter to Chase, explaining what happened and why I thought Chase should reimburse me for the Late Charge ( because they failed to executive the wire transfer ) I was notified by Chase yesterday ( XXXX in Chase Executive Offices on XXXX XXXX XXXX, XXXX, XXXX ) that Chase will not reimburse me for this {$440.00} Chase made no errors was basically her explanation. ( *XXXX- XXXX, x XXXX ) She was responding to a detailed recap that I sent to Chase, explaining Chase 's failure to execute the wire transfer resulted in me being charged a late chargae of {$440.00}. Net net, Chase is the custodian of my funds in this account. As such, Chase has complete control of the wiring process of funds from my account- from start to finish. It was Chases suggestion that I do the wire transfer directly with the Chase Private Client banker via their XXXX Chase Private Clinet service line rather than in-person at the Chase branch where I bank. I reiterated that the customer has no control of the wire process.It is handled 100 % by the bank The banker handles the wiring of funds process from start to finish, whether in person or on the telephone. I gave the Chase banker on the Chase Private Client Help line, ( XXXX ) who handled the wire request from me, all the information he requested ( Recipient, Account number, Bank name, Bank routing number, ( XXXX/XXXX XXXX ). My call to him to wire the funds, began with his required notice to me that this call is being recorded for security and customer service purposes. I gave my permission to record it. A few days later I received in the mail from Chase regarding this transaction, a screen shot of a summary of the inoformation Chase recieved from me earlier, for the wire. The headline is Finished. Across the top of the screen shot is the heading Confirmation It shows they had all the information necessary to complete the wire transfer. There was every reason to believe the wire transfer was made. In the envelope from Chase, with the screen shot, there was no forwarding letter, no other message. Just this screen shot. Certainly nothing that would indicate to me that the wire was never sent. That is the only communication I have ever had from Chase on this wire transfer. Based on all of that I assumed the funds were wired successfully until I received a message from XXXX XXXX ( who services the mortgage ) notifying me the mortgage payment was not received and there is now a Late Fee of {$440.00} I immediately went to my Chase banker to find out what happened to the wire. ( I am a Chase Private Client ) I suggested to him that he retrieve a copy of the Recording of my phone call requesting the wire. He said he unable to obtain it. Then when I called the Chase Service line that handled the wire transfer, I was informed we do not have it. We only keep them ( the recording of the telephone message ) for 30 days. I was flabbergasted by that statement. In XXXX call to me yesterday ( XX/XX/12 ) explaining why Chase was denying my request to be reimbursed, her comments indicated they in fact they still have the recording. When I asked her if she had the recording, she replied " it did not show any error made by Chase on this wire. Before I sent the letter to Chase Executive Offices, ( where XXXX works ) I called the Chase Private Client service line that handles wire requests over the phone, to find out why the wire did not go thru. And I asked them to give me a copy of the recording made when I called Chase to initiate the wire. They said we only keep those for 30 days Chase was not truthful with me about the existence of the recording of my phone call making the wire request. In summary, I did everything I was asked to do by the Chase banker handling the wire. The wire did not go thru and I was never notified by Chase that it did not. I would appreciate your assistance on this. Please let me know if you have any questions Sincerely, XXXX XXXX XXXX | ||||||
| 06/15/2023 | Yes |
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| Prior to XX/XX/23, as my partner and I were planning our wedding, our families had transferred money to our individual accounts ( not with Chase ) to help us pay for wedding expenses. On Saturday XX/XX/23, I got married to my partner in XXXX ( pending legal marriage once we returned home to XXXX ) and received XXXX in cash and XXXX in checks from friends and family. On Monday XX/XX/23, after coming back to XXXX we went to our local Chase bank to open a joint checking and savings account. We brought a voucher for a XXXX bonus for setting up direct deposit. A Chase representative at the branch opened both accounts for us and applied the voucher. He then demonstrated how to do mobile deposits by having me deposit a check from my step-father for XXXX into the newly opened account. He showed us some more features with the mobile checking app. We then deposited the XXXX in cash and the remaining XXXX in checks ( 3 separate checks for XXXX, XXXX, and XXXX} ) Upon returning home after opening the account, we settled the rest of our wedding expenses and found we had an extra {$970.00} from the wedding budget in my personal checking account at XXXX XXXX XXXXXXXX. I wrote myself a check from my personal account and deposited it into the new joint account with Chase. My partner and I set up our direct deposits from our jobs into the joint account and switched over our monthly utilities to the new joint account. We began the process of verifying our external accounts with the joint account ( where small amounts are deposited and withdrawn and the specific amounts are used as verification ). We finally set up monthly automated transfers of XXXX into the joint savings account, and transfers out of the joint account into our personal accounts. The combined transfers and payments out of the account would have been less than our combined direct deposits in, so we would have built funds together in the checking account together every month. On Tuesday XX/XX/23, our individual banking institutions completed the verification deposits/withdrawals for very small amounts ( < {$1.00} ) and we completed the verification processes. I setup our monthly mortgage payment to XXXX XXXX XXXX from the joint account with Chase. On Wednesday XX/XX/23, I received 2 notices from Chase that the mobile deposited checks ( from my step-father for XXXX and from myself for XXXX ) had been placed on hold and that the funds would be available on XX/XX/23. In my own personal account, I see the check had been cleared on XX/XX/23. On Friday XX/XX/23, I received a notice that the new account had been restricted " to protect against potential fraud '' and that it may be closed soon. Additionally, my online profile had been locked, preventing me from accessing my credit card and car loan accounts with Chase as well. I called Chase as soon as I got out of bed and the representative told me the account had already been slated for closure ( both the joint checking and savings ) and that they could not provide a reason over the phone. The representative said that a letter explaining the account closure and a cashier check containing the remaining funds in the account would be sent to me by mail. After getting off the phone, I went to the local Chase branch where we had opened the account. The representative at the branch called on our behalf but also did not receive a reason for the account closure. However, the representative did learn that I was barred from opening any future banking accounts with Chase ( checking/savings ), however my partner could reopen an account with Chase. I was not barred from maintaining my car loan or credit cards with Chase. Later that day, I called Chase customer service again and had my online profile unlocked, allowing me to access all my accounts while the checking and savings account remained restricted. This last representative told me that " Chase had decided to end my banking relationship '', which is why I could no longer open any future banking accounts with them. On Thursday XX/XX/23, I called Chase again and learned that the final account closure date would be no later than XX/XX/23 and that a cashiers check for the remaining funds would be issued no later than XX/XX/23. Again, no reason could be provided for the account closure. | ||||||
| 12/15/2020 | Yes |
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| I used my credit card to make a purchase on XX/XX/XXXX for a few rental items for my wedding that took place on XX/XX/XXXX. The items were delivered to my wedding planner who maintained responsibility for returning the rental items to the original company / merchant by XX/XX/XXXX. Upon return of the rental items, on XX/XX/XXXX, merchant proceeds to charge my credit card ( without my permission ) for replacement fees for 2 items they said were never returned. I saw 2 charges on my card ( {$600.00}, {$430.00} ) that combined totaled {$1000.00}. Merchant proceeds to tell me that each item 's replacement fee equals {$510.00}. For a few days, both myself and my wedding planner proceed to speak with the merchant and file all necessary paperwork to submit a claim explaining that while one item was never sent in the first place, another had indeed been misplaced by my wedding planner. She would be paying the merchant ( {$510.00} ) directly for the 1 item not returned. I dispute the charges on my card for the replacement fees ( {$430.00}, {$600.00} ) as well as {$79.00} for the rental item that was never received in the first place. I received confirmation from the credit card company of my 3 disputes on XXXX. Merchant proceeds to send me threatening emails telling me to either withdraw all 3 disputed amounts by XX/XX/XXXX, pay the amounts again without having to withdraw the disputes, or I would face legal consequences. On XX/XX/XXXX, my wedding planner makes a payment in the amount of {$510.00} for the misplaced rental item, and merchant confirms receipt of payment via email. For the remaining amounts in question ( both the rental fee and replacement fee that was charged to my card totaling {$590.00} ), I explain to the merchant that a payment had been made in good faith for one missing item, but I would be not withdrawing the dispute for the item supposedly sent but in fact, never received. I further explained that we must see it through according to the credit card 's dispute process. On XX/XX/XXXX, credit card company sends me documents to review from the merchant, and asks me to submit further documentation by XXXX if I want to proceed with the disputes. I provide all necessary paperwork by XXXX. On XX/XX/XXXX, my dispute for the {$79.00} is denied, and I am told via telephone it's merely because I didn't check the right box for why I was disputing the charge. On XXXX, my disputes for {$430.00} and {$600.00} are denied as well. I'm provided with merchant 's response on XX/XX/XXXX, which fails to mention any payment made my wedding planner. This time, due to credit card 's negligence in researching my disputes ( having obviously only read through merchant 's documentation and not mine ), the merchant now has money in excess of what they claimed I initially owed. I speak with someone on the phone from the disputes department who tells me I can " re-file again, but there's no guarantee that it won't be ruled against ( me ) again. '' On XXXX I re-file all 3 disputed amounts again. By XX/XX/XXXX, I am notified tha my dispute for {$79.00} has been properly researched and I have been credited the amount by the credit card card. By XXXX, I receive another letter notifying me that the {$600.00} dispute was also resolved in my favor and I would be receiving a credit in that amount as well. By confirming the disputed charges as invalid, the credit card company confirmed that not only did I not receive a rental item for which I paid for ( {$79.00} ) but, the charge for ( {$600.00} ) the replacement fee of that item is null and void. However, by XXXX I am notified that my dispute for {$430.00} is marked as valid, because " too much time has passed '' and " merchant refuses to give back the money. '' I re-file my dispute again on XXXX, once again providing documentation where merchant confirms receipt of payment from my wedding planner for the replacement fee for the misplaced item. On XX/XX/XXXX, I am once again notified that my dispute is invalid, and the charge will stay. I re-file the dispute AGAIN on the same day. Currently, credit card company is failing to review the documentation I have provided, and is allowing merchant to essentially steal monies from me for a charge that was reconciled 3 months prior by my wedding planner. | ||||||
| 01/25/2018 | Yes |
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| Dear CFPB, On XX/XX/XXXX, I filed a restraining order against my estranged husband and removed him as an authorized user from my Chase XXXX credit card so that no further charges could be made with his card. On or about XX/XX/XXXX, I noticed that several charges from my estranged husbands cancelled card totaling {$480.00} were charged to my account. They were his gym fees of {$350.00} from XXXX XXXX XXXX and {$42.00} from XXXX XXXX XXXX XXXX. ( Please see enclosed screen shots of these charges to my credit card ). I immediately contacted Chase XXXX and informed them of these unauthorized charges. Before Chase could move forward with processing my disputed charges, they asked me to contact the vendors to stop the charges. Chase admitted that they continue to allow recurring charges and stated they dont have a mechanism in place to stop them even though I cancelled my estranged husbands card. When I contacted XXXX XXXX XXXX, the rep understood my situation and agreed to assist me by reaching out to my estranged husband for another credit card number and would stop future charges. She informed me that she could not refund me the {$350.00}. When I contacted XXXX XXXX XXXX XXXXXXXX, they immediately credited me the funds. On XX/XX/XXXX, a Chase rep XXXX XXXX XXXX contacted me to discuss the disputed charges. XXXX XXXX said she was going to conduct a three way call with XXXX XXXX XXXX asking them to cancel my estranged husbands membership and refund me the {$350.00} of unauthorized charges. I objected to XXXX XXXX approach and refused to participate in the call. Before I ended the call, I explained to XXXX XXXX that I did not feel comfortable participating in this call as I believed it was not only inappropriate for XXXX XXXX to attempt to cancel my estranged husbands gym membership but probably illegal. I further expressed that this is beyond her authority as a Chase XXXX Representative. I stated that the only person who could cancel the gym membership is my estranged husband. I then stated that this issue is Chases for allowing these unauthorized charges and that they should be responsible for refunding me. XXXX XXXX said cancelling my estranged husbands gym membership was the only way to stop the recurring charges. The following day, XX/XX/XXXX, XXXX XXXX called me again and this time she did commence a three way call with XXXX XXXX XXXX. XXXX XXXX asked me to explain to XXXX XXXX XXXX my situation and to cancel my estranged husbands membership. I explained to XXXX XXXX again and to XXXX XXXX XXXX that I did not want to cancel my estranged husbands gym membership as I did not have the authority to do so and did not want to cancel it. I stated that I was looking to get refunded for the unauthorized charges. XXXX XXXX XXXX agreed with me and stated that the gym membership and contract is between XXXX XXXX XXXX and my estranged husband. They explained that the credit card on file is in my estranged husbands name and that they can not talk to us further about his account. Because Chase XXXX stated the only way to stop the recurring charges was for me to cancel my estranged husbands membership, I asked XXXX XXXX to close my account entirely since they couldnt and wouldnt stop the recurring charges and wouldnt refund me either. A few hours later, I called Chase XXXX again to ensure my account was closed. It wasnt closed and I closed it then. The Chase Rep then said to me that I would STILL be obligated to pay any recurring charges that might be charged to my account even after I closed my account. A few days later, I received the enclosed letter from Chase stating that they determined the charges were authentic and that I was responsible for them. I called Chase one more time to express my concern and to state again that I did my part by removing my estranged husband as an authorized user, and that Chase didnt do their part to decline the charges. I spoke with XXXX XXXX XXXX who would not budge on the matter. Hearing this, I realized I needed CFPB to intervene. Can you assist in getting Chase XXXX to refund me for the unauthorized charges of {$350.00} to my credit card and from a public policy perspective get Chase to stop recurring charges when a card holder cancels the card, removes an authorized user, or is reissued a new card? | ||||||
| 10/13/2017 | Yes |
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Web | Older American, Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX/XXXX/XXXX Consumer Financial Protection Bureau On XXXX XXXX, XXXX, I took my XXXX to be repaired at XXXX XXXX XXXX in XXXX XXXX, Fl. The owner of the repair shop inspected the car and indicated that the fluid leak was caused by a faulty power steering line. I charged {$630.00} to my XXXX XXXX ( see attached # 1 ). I returned to the auto repair shop three times after my car was repaired because the leak had not been fixed. I showed the mechanic pictures of my garage floor ( attached # 2 ) with leaking spots from my car. I also showed him the damage that was done to my leather interior by his mechanic. A fluid had been dropped on the passenger side leather seat and spilled on the emergency flasher. ( attached # 3 ) The owner got mad and obnoxious. A few days later, I had the car inspected by a XXXX dealer, I was informed the part installed was not a XXXX part ; the part was Jerry-rigged in an attempt to fit a problem that probably did not even exist before he installed the part. According to the XXXX dealer, the leak was coming from another part of the engine. I called XXXX XXXX Services and disputed the charge. I allowed {$48.00} on my credit card for the replacement of the idler pulley. I requested {$580.00} to be removed. On XXXX XXXX, XXXX, an insurance adjuster ( XXXX XXXX XXXX for XXXX XXXX went to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to inspect damage to my car from a hit-and-run. The owner of the collision shop asked the insurance adjuster to determine if there was any connection between the leaking fluid under my car and the accident. The insurance adjuster sent me a statement and took a picture of the leak. I never met the insurance adjuster. He states : The leaking coming from the power steering line to the pump is not loss related. The line has been recently replaced, the leak is coming from the line at the pump. His statement and the picture he took are attached. I sent all of this information to XXXX XXXX Services. On XXXX XXXX, XXXX, I received a letter from XXXX stating that a temporary credit had been issued to my account. The letter is attachment # 4. The letter states : Please know the merchant is given time to provide relevant information regarding the trans- action. We will contact you if the merchant responds with information. If the merchant doesnt respond, the temporary credit will become permanent. There was never any contact or sharing of information by XXXX before the {$580.00} suddenly appeared on my credit card without any notice and with a XXXX date. ( attachment # 4 ). After the charge reappeared on my credit card statement as a re-bill, I called XXXX XXXX Services on XXXX/XXXX/XXXX and spoke with XXXX in the XXXX Disputes Department. She told me the charge would be put in dispute and I should immediately re-send all of the information detailing my reasons for denying the charge. I immediately sent the information. Within a few days, I received a letter from XXXX XXXX XXXX indicating I should determine if I wanted to dispute the charge. Subsequently, another letter was received dated XXXX/XXXX/XXXX stating : Our ability to successfully pursue a refund depends on how well we can document our case against the merchant. In this instance, we do not have the proper documentation to present to the merchant that supports the dispute ... Also, since a significant amount of time has passed since the date of the charge, the merchant isnt under any obligation to provide a credit to your account. How much more documentation does XXXX XXXX XXXX need? Nothing was ever mentioned by XXXX XXXX XXXX as the type of documentation they required. Regarding the significant amount of time XXXX claims passed since the date of the charge, I immediately called XXXX XXXX XXXX after I could not resolve the problem with the merchant. During the period this charge was in dispute, I never received any additional information regarding the charge from XXXX XXXX XXXX or the merchant. Now for the big questionDo you think this method of operation is unique to me? An audit of XXXX XXXX XXXX customer complaints against merchants will probably show a similar pattern of re-billing the charge to the consumer without telling them -- unethical and possibly criminal. XXXX XXXX XXXX | ||||||
| 08/20/2019 | Yes |
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| Merchant: XXXX - XXXX XXXX XXXX, #XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Tel No. XXXX-XXXX-XXXX XXXX/XXXX XXXX. Chase Sapphire VisaDispute of Transactions from Merchant XXXX from whom I had not received the goods but Chase is still charging me for the amount.I detail below the incident leading up to the claim and Chase handling of the issue. I have provided proof to show that I had not collected the goods and the merchant is fraudulently claiming to the contrary and Chase closing the dispute in favor of Merchant. I would like to add that my sister was with me during this purchase and can support me (including providing sworn statement) in all what I have written about the incident below.1) I went to XXXX to do some shopping for my daughter's wedding where I was also purchasing items for relatives (living in the US) who were directly participating in the wedding activities. I selected and paid for the disputed items at the store XXXX on the XX/XX/XXXX (Saturday). I specifically told them that I might have to come back if the individuals for whom they were purchased, were not happy with the design. I was at no stage informed that they do not refund any payments. 2) XXXX wanted me to split the payments into small amounts and use different cards to make it easy for them to process such a large amount, which I did. Three different payments to XXXX, totaling INR XXXX, made on the same day. (Paid with Chase Card INR XXXX-$XXXX ; Paid with Chase Card INR XXXX-$XXXX; Paid with XXXX card INR XXXX-$XXXX)3) I was told to come back on Tuesday the XX/XX/XXXX as the store had to prepare the items. I wish to emphasize here that the items purchased were all straight off-the-shelf and did not require any alterations. XXXX claimed they needed to iron and fold properly to transport to the US.4) Since some of the original choice of items were not acceptable to the individuals, I had purchased them for, I requested a refund for these. I tried to speak to the Store Owner twice - on the Sunday the XX/XX/XXXX (visiting the store) and the Monday the XX/XX/XXXX (by phone), without any success. I then emailed him on the XX/XX/XXXX and also sent a copy of the email by registered post asking for a refund for the unwanted items. 5) I initiated the cancellation of the full order and did not collect the items on the advice of the Credit Card Representative on the XX/XX/XXXX.6) XX/XX/19 - I initiated dispute with the Credit Card Companies, Chase Visa and US XXXX7) XX/XX/19 - I returned to US.8) XX/XX/19 – Uploaded supporting documentation via Chase Secure Message Center (Included the email conversation with the store owner)9) XX/XX/19 – Uploaded additional documentation via Chase Secure Message Center (Included receipts from another Mens Store receipts to prove that I purchased identical items from another store) 10) XX/XX/19 - Chase ruled dispute in favor of the Merchant XXXX 11) XX/XX/19 - Appealed the decision, providing other supporting documentation to prove that it was a common practice in India to stamp "DELIVERED" in addition to "PAID". XXXX XXXX receipts did not have 'DELIVERED'12) Chase Declined the Appeal as well (Letter dated XX/XX/XXXX from Chase). I am still waiting to hear from the US XXXX on this matter for the amount of $XXXX.Proof that items were not collected:It is customary in XXXX for the stores to stamp 'DELIVERED' on the receipts when the items are collected. Without this stamp, the security guard at the entrance will not allow anyone to leave the store with the shop items. I sent few photos of receipts from various other purchases I had made in India as evidence of this practice. This will show you that I had NOT collected any of the items from XXXX I had paid for using my credit cards. The receipts from XXXX did NOT have this stamp. This indicates that I never picked up any of the items from store.Merchant is now claiming that I had collected the goods without providing proof that I collected the goods, as per the Representative from Chase.Even after appeal, Chase ruled in favor of Merchant when I have clearly shown that I did not collect the goods.I am a US Citizen and only traveled to India to purchase the items for my daughter's wedding. I hope you can help me resolve this issue. | ||||||
| 11/10/2023 | Yes |
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| Over the summer, I received an offer to sign up for the Chase XXXX XXXX XXXX XXXX XXXX XXXX. My name is XXXX XXXX and I have a strong credit score and I am a long time XXXX XXXX XXXX The offer included a bonus of XXXX miles and XXXX XXXX XXXX XXXX, and expired in XXXX XXXX. I have been able to sign up for the card and get the XXXX XXXX, but NOT the XXXX XXXX XXXX and I feel that I have received a Bait and Switch offer. With an annual fee of {$520.00}, this is not a cheap credit card. Here is what happened, trying to get a response from Chase has been difficult, they have failed to meet several of their own deadlines. I have enclosed a copy of of this offer that I received to this complaint, and I have also enclosed a record of the communications that I have had with Chase via the Chase secure message center. Note that I have also made multiple phone calls, spending several hours trying to chase this down. As I indicated, I feel that I have been the victim of Bait and Switch tactics. XXXX, XXXX : Received offer for XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX upon meeting the spending threshold. XXXX XXXX : Using the link provided in the offer, I signed up for the card. I did not see the exact offer I received in the mail, so I called XXXX to make sure it was still valid and that I could still get the offer. XX/XX/XXXX : I called on XX/XX/XXXX at XXXX and spent exactly XXXX minutes on the phone with the Chase phone representee. The agent instructed me that likely a mistake had happened in the system and that I should sign up for the card and then once I met the criteria, call back and request the offer. I felt that response was strange, and I explained that I felt that was a janky solution, but the rep assured me that it happened frequently and was no big deal. He also indicated that calls were recorded, so there would be a record of the call. I am happy to submit these phone records, but also understand that Chase saves these phone calls as well. It was a male that I spoke with. XX/XX/XXXX : I wasnt sure about the information that I received, so I called back and decided to ask the same question. I called on XX/XX/XXXX at XXXX and I spent XXXX minutes again on the phone with the Chase rep. This time it was a women, and she told me the exact same thing : Sign up for the card, then make a request for the missing points once I met the spending criteria. XX/XX/XXXX : I received my cards in early XXXX and quickly met the criteria ( I will spend {$150000.00} a year on my card ). I therefore called on XX/XX/XXXX to ask for the missing PQP points. I was told that it should be a big deal and I should expect the points soon. XX/XX/XXXX : A few days later, I received a note in my account saying that I was not eligible for the offer, with no further explanation nor details. This was directly contradictory to the offer I received, and the information that the ( XXXX ) Chase phone reps gave me. I was very frustrated and called back and asked to speak with a XXXX. The date was XX/XX/XXXX and the call was at XXXX. At that point, I was told to upload the offer that I received via the Chase App, which I did. I have since received several messages via the Chase secure message center, some of which are conflicting ( see attached ). But the worst part is, I still have heard nothing and have no resolution. In a message dated XX/XX/XXXX, I was told We are working with XXXX and have submitted your account for review..and Please allow up to 30 days for resolution. 30 days have passed and I have had no response. In a message received on XX/XX/XXXX, I was told You should receive a response within 5 days. It is XX/XX/XXXX and I have received NOTHING. In a message received XX/XX/XXXX, I was told your previous message is being reviewed No response to that one either. I have attached these communications and highlighted the important facts. Please see attached. Please note that I am simply asking for the XXXX XXXX XXXX points. I did receive the XXXX points, BUT NOT the XXXX PQP that are stated in the offer. This has been a very frustrating and I hope that Chase has not pulled a Bait and Switch on me, especially given the multiple times I have tried to ask questions and fix the problem. Call me anytime on my cell at XXXX. | ||||||
| 10/01/2017 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX XX/XX/XXXX Attn : Consumer Financial Protection Bureau XXXX XX/XX/XXXX XXXX XXXX, IA XXXX CC : Chase Bank, Mailing Address : XXXX XXXX XXXX, XXXX, DE XXXX CC : XXXX, Mailing Address : XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX RE : Formal complaint against Chase Bank and XXXX XXXX Chase XXXX XXXX # XXXX I am writing to file a formal complaint against Chase Bank and XXXX. On XX/XX/XXXX at XXXX XXXX I purchased XXXX Bitcoin ( BTC ) from XXXX for {$1900.00} using my XXXX XXXX XXXX card. On XX/XX/XXXX at XXXX XXXX, I purchased XXXX Litecoin ( LTC ) from XXXX for {$1900.00} using my XXXX Chase XXXX card. On XX/XX/XXXX, I sold proceeds from these and other items on XXXX, and requested that the money be deposited into my XXXX XXXX XXXX XXXX Checking account. I received an email that these funds would arrive in my bank account onXX/XX/XXXX. I did not receive the funds by this date. On XX/XX/XXXX, I notified XXXX via their support center case ID XXXX that I had not received the proceeds. I started to worry that I was being scammed. I advised them that I would be disputing the original ( and subsequent ) transactions with my credit card company. This is directly in response to XXXX not timely crediting my deposit. I received no response to this notification. OnXX/XX/XXXX, I disputed the {$1900.00} charge with Chase via dispute case number XXXX. On XX/XX/XXXX, I disputed the {$1900.00} charge with Chase via dispute XXXX. On XX/XX/XXXX, over ten days late, I finally received the proceeds from my XX/XX/XXXX sale. I contacted Chase to let them know that it was ok to pay the original amounts of XXXX and XXXX. I was no longer disputing these transactions. Both amounts were rebilled to my Chase account and paid to XXXX. Rather than substantively respond to the original disputed amounts, XXXX double charged my XXXX XXXX card for both original transactions, once onXX/XX/XXXX for {$1900.00} and once on XX/XX/XXXX for {$1900.00}. These are fraudulent and duplicate double charges to my account. These are for the two transactions that were originally charged to my account XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( {$1900.00} ). I disputed both of these double charged amounts with Chase Bank, via dispute XXXX for the {$1900.00} and dispute # XXXX for {$1900.00}. Chase Bank credited my account back the {$1900.00} but for some reason they failed to credit the second amount of {$1900.00}. I now have a charge of {$1900.00} sitting on my account, which is a duplicate charge for services or products that were not actually ordered or received. I am enclosing my transaction history with XXXX to this letter. What you will see are orders in the amount of {$1900.00} on XX/XX/XXXX, and orders in the amount of {$1900.00} on XX/XX/XXXX. What you do not see is transaction history in the amounts of {$1900.00} or {$1900.00}, because these are not valid charges made by me. They are fraudulent charges created by XXXX without my permission. I am also enclosing my transaction history with Chase, showing that there were charges in the amounts of {$1900.00} and {$1900.00} that were credited due to my dispute, and then rebilled due to me having them cancel the disputes. I am demanding that Chase Bank reverse the fraudulent double bill of {$1900.00} that is sitting on my account. Additionally, when I log into XXXX they are indicating that I still owe for both the XXXX BITCOIN and XXXX LITECOIN that was purchased, however, they have already been paid for these amounts by Chase Bank. They have also fraudulently obtained an additional {$1900.00} from XXXX for a duplicate transaction at this point. When I log into XXXX, they do not reflect that they have received this amount either. I do not have any plan to pay Chase for this fraudulent double bill, and I will be cancelling my credit card with them. If there is any negative credit reporting on my account due to this, I will pursue legal action. Sincerely, XXXX XXXX ENCLOSED : EXHIBIT A : 2 Pages. Transaction history from Chase showing initial valid charges and rebills, and duplicate fraudulent charges EXHIBIT BL 2 Pages. My XXXX transaction history showing purchases for {$1900.00} and {$1900.00}. NO PURCHASES in the amounts of {$1900.00} or {$1900.00}, | ||||||
| 01/29/2019 | Yes |
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| XX/XX/XXXX talked to a guy on XXXX about purchasing car parts worth {$480.00}. He sent me images of the parts and we formed a friendship talking about our cars. I agree and pay him the amount of {$480.00} for a XXXX XXXX XXXX and XXXX XXXX XXXX. He then creates a XXXX shipping label to prove he would mail it. XX/XX/XXXX He intended on using XXXX to do the transaction. He gave me his email address in XXXX, but the transaction failed and so he gave me another email to try. This also failed so we then use this app called XXXX and tried sending a small amount to see if it would go through. This works but bigger payments did not. Me being someone of integrity i thought we should use quickpay because its fast, secure and easy. I felt that since he had a XXXX receipt which shows he sent the package, i had to give him his money. We then used his girlfriends quickpay account. She accepted the payment and i was expected to receive the parts. XX/XX/XXXX package was scheduled to arrive but it seems that he never dropped off the package, but kept advising me he did and would talk to management about the issue. XX/XX/XXXX continuation of him giving me excuses about how the item is at the warehouse of a XXXX near my house. I check to see if its there, it is not so i ask for a refund and he agrees to refund me. XX/XX/XXXX he says that his girlfriend will refund me via quickpay. Days go by and still no payments sent from her so he opted to use XXXX to refund me. Same thing, no payments received. XX/XX/XXXX he claims that he will do a direct deposit into my account via account number. This doesnt work either. XXXX he claimed to have bought 2 money orders in the form of {$400.00} and {$80.00}. However upon checking the moneyorders, they turned out to be cashed in since early XXXX. He then tells me they probably gave him a fake one and that he should be receiving a refund from them and uses his friends quickpay to pay me back. He gave me his name and address. XXXX i sent a quickpay request to his friend and he sent me an image that stated his friend had used XXXX to send me the funds. No notifications or payments received. XX/XX/XXXX I contact chase because i become very suspicious about this guy. XX/XX/XXXX I fly to XXXX XXXX for a trip and this is where XXXX claims to be selling the part. We arrange for a time and place to meet so he can hand deliver me cash. He gave me the address to a XXXX and a time to meet but once i got there at that time and waited XXXX minutes, he never showed up. XX/XX/XXXX I continue to message him about my refund and why he never showed up. This is when he stops replying completely. I contact my bank to let them know that this is absolutely fraud because i was never promised the parts that i bought. XX/XX/XXXX I see that he is reposting the parts he sold to me which confirms he legitamately did not intend to sell me the part, and insists on scamming other people. This time he uses a different number and different name. I make a fake account with a different phone number using XXXX and contacted him about the parts he was selling. He gave me the exact email address that I sent money to via quickpay. This 100 % confirms my suspicions that He is scamming me. I confront him with my real number and he deletes the post but reposts again shortly after. His girlfriends bank is XXXX XXXX XXXX. XX/XX/XXXX i contact chase again to let them know that this is absolute fraud and they said it would take 10 business days to review the case. XX/XX/XXXX i receive a mail from chase saying that they closed the claim as I authorized the payment. Although i did, i feel that this isnt right and that chase should pursue this case further. I believed quickpay would have some form of protection since it is from my bank. I was under the impression that my bank would try their best to help me. I have decided to come here to voice my concerns and see if i could get some further assistance. I have all documentation and everything to show that this guy clearly scammed me. I thought i could trust him because he sent me images, receipts, and emails, but at the end they were all fake. I just want to get my money back one way or another. Chase clearly does not want to help me in this case. CFPB or someone, please help me! | ||||||
| 01/03/2023 | Yes |
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Web | Older American |
| I am appealing Chase Bank decision on XX/XX/XXXX. Case # XXXX. The decision and argument were heartbroken for me who is devastated by the scam loss. I strongly disagree Chase Banks decision due to the facts these wire transfers were authorized unknowingly under a fraudulent theft scheme. Its a wire fraud.The customer, I believed I was sending my money to invest for a profit and blindly fell into a scam trap manipulated by the scammer I met online whom I blindly trusted and believed She was giving me an investment opportunity. I was skillfully duped to wire my money to different services providers domestically/internationally the scammers customer service provided to me. The reason to send my money to service providers instead of the exchange platform was this Exchange was a crypto currency trading platform and was only accepting crypto currencies not US dollars. I needed to exchange my US dollars to USDT- an equivalent of cash for crypto currency and the services providers for the Exchange would do that for me. In order to avoid the suspicious by the bank, all wire transfers were instructed for the purpose of Goods or Contracts or personal use ( Chase argued there were no signs of fraud and purposes of payment for personal uses ). Chase ignored the fact. Its a scam. the authorized process was under a fraudulent scheme. I was totally swindled and scammed to blindly follow the scammers instructions to send out those funds from my Checking account. This investment theft scam was discovered on XX/XX/XXXX, after my withdrawing was blocked. All the money once left my bank accounts were stolen and gone. The deposited balance on my account on that Exchange Platform were just faked balance number. The case is reported to XXXX and now its under the investigation of XXXX XXXX XXXX XXXX XXXX ( police report # is XXXX ) It also reported to Law Enforcement agencies -FBI , USSS , FTC , OCC . I understand the position Chase is standing for and argued about the customer authorization. But as a victim that suffered a big loss ( $ XXXX ). And all the transactions were obviously fraudulent and had many suspicious activities such as wiring out such a big amount and in such a short period of time repeatedly. On XX/XX/XXXX, there was a wire transfer of {$50000.00} failed to deliver. ( scammers receiving account didnt receive it ), their customer service contacted me to tell Chase to recall this wire fund and resend it after it came back to my account. I wired it out again on the same day the recalled money deposited to my account on XX/XX/XXXX. There was no warning and alerts from Chase fraud protection department before releasing that {$50000.00} that just deposited on same day on XX/XX/XXXX. In short, I was a victim of wire fraud scam. I did not know its a scam. The authorizations were not legitimate. Chase bears the responsibility of negligence. It should contact the Law Enforcement that is investigating my case to verify the scam. Chase also needs to provide me details of their wire recalls, especially on the receiving accounts. If my wire transfers were proven to be scam, Chase should protect and reimburse me from their fraud protection insurance. But Chase just choose ignoring my request and stopped to further investigate the case. There was no phone call from Chase Executives Office to me to discuss the details during their investigation process requested by OCC. Chase on XX/XX/XXXX, mailed me a letter which just pushed away their responsibility and claimed theres no error on their side and transfers were authorized by me. Theres no mention about wire fraud and scam and there was no mention about any inquiry to Law Enforcement about my complaint. I am XXXX XXXX XXXX and lost my life time savings and retirement money from this scam. I can not afford to hire a lawyer to help me. I already filed reports in law enforcement agencies. I hope the CFPB and FDIC will make an investigation on this wire fraud and have an third party reviewing the case and contact Law Enforcement for further investigation information about this scam. Below is contact information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | ||||||
| 11/19/2022 | Yes |
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| I pay {$550.00} annually for a Chase XXXX XXXX credit card. In XXXX of XXXX, I experienced a 3-day weather-related travel delay. My credit card advertises coverage for such delays, with support from the third party XXXX I called Chase 's customer service line immediately when the delay occurred, to confirm which charges would qualify under their travel reimbursement policy. I was told that they would reimburse up to {$500.00} per traveler, including me as the cardholder and my travel companion, regardless of the nature of our relationship ( our relationship is platonic ). During the three days of delay, we incurred essential costs of approximately {$1100.00} USD ( {$600.00} for lodging, {$410.00} for food and {$58.00} for local travel ). We returned home on XX/XX/XXXX. On XX/XX/XXXX, I submitted receipts to the XXXX line and filed a claim for the maximum amount of {$1000.00} for two travelers. Over the course of the past seven months, I have experienced various challenges collecting my reimbursement : 1 ) I have followed up with the XXXX by phone and email multiple times to check the status of my claim- each time, I've reached a different claims examiner and have re-explained my claim ; 2 ) The various examiners have provided inconsistent information on the requirements of their travel companion policy ; initially I was told that my travel companion could be a friend, then I was told that they must be a roommate, then I was told they must be a spouse or child ; 3 ) multiple times, examiners assured me they would investigate the information I was provided at the time of the delay ( they record all calls ), but they never communicated back about any progress or findings ; 4 ) I was told that any charges for food could be verified through my credit card statement and would not require copies of paper receipts, yet I received multiple email requests for food receipts. When I submitted the food receipts, they requested clearer copies, citing that as the reason for the delay of my reimbursement. Ultimately, I suggested that they could reimburse me for whatever amount they wanted. Today I checked my account and found that my account has been closed, with {$0.00} of reimbursement for my claim and no notification to me. When I called their customer service line, I was told that the claim was closed by accident. They offered to re-open my claim but again told me that I must re-submit clearer food receipts. I informed the claim examiner that I planned to file a report with the XXXX XXXX XXXX, and she offered to reimburse me {$500.00} ( half of my claim ). I asked for a copy of the record of my emails and calls with their company so I could include it in my report, and asked to be transferred to someone who could take my feedback about the customer experience. My call was dropped. When I called back, I was told that nobody was available to receive a complaint today. They offered to take my number and have someone call me next Monday, which I declined. I want to raise this for your awareness, because I don't want anyone else to be subjected to the same treatment and delays for benefits that they paid for through their credit card. I saw online that this company wears down customers with never-ending requests and delays so that they become so fatigued and eventually drop their claims. If this is true, they should be held accountable. I know that there are many people who would not have the time or resources to follow up as much as I have, and who may be in greater financial trouble if they do not receive a timely reimbursement. I contacted Chase XXXX customer service today and spoke with XXXX. He did not offer to take any follow-up action or compensate me for the annual fee, even though I wasnt able to utilize the benefits as advertised. I have paid for this card from XXXX through XXXX of XXXX. If I cancel the card now, Chase will not reimburse even partial fees. I know that XXXX has created a massive backlog in claims due to travel disruptions. I believe I have been reasonable, patient, and sympathetic for seven months, but this has been a growing source of stress. To be fair, every XXXX employee I spoke with has been polite and apologetic- but they all assured me they would resolve the matter and it still has never happened. | ||||||
| 03/22/2022 | Yes |
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Web | Servicemember |
| XX/XX/2022 - spoke with credit card company to dispute charges from a vendor ( XXXX XXXX XXXX ) that had been attempting to cancel for over 2 years. XXXX had practices in place to make it impossible to cancel, including redirecting to multiple phone # s, 1hr+ hold times, hanging up during transfers to name few. Discussed the full details with Chase service rep who thanked me for " remaining cool given the horrible experience '' and helped me ( 1 ) stop payment on the vendor and ( 2 ) dispute the latest monthly charges ( as far back as possible ) given my multiple attempts to cancel that were unanswered by vendor. Call became complicated when the service rep said there was nothing that credit card company could do to disallow the vendor from continuing to charge me, even with the stop payment in place, and i was told to contact the vendor to ensure my account was closed and further requests would not be made. Given my lengthy experiences dealing with the vendor with no success at closing my account, this was not a positive suggestion from my perspective, and I replied with lack of understanding why there was no way for Chase to enforce when they are able to approve/deny uses of the card at their discretion ( i've had many charges denied that i had to call and follow-up ). Furthermore, it did not make sense that Chase couldn't identify fraudulent companies using the same techniques as they do to denote whether a consumer is a 'good risk ' for them to offer credit. Service rep took offense at my suggestion and reminded me that it was the consumer 's responsibility, looking at our monthly bill to determine accuracy and that the credit card company has no obligation to protect. I did not take that comment very well and replied that it was crazy that a multi- $ XXXX company would pass the responsibility to an individual, and that i felt it was predatory, akin to the vendor that i was having difficulties with in the first place. She did not agree, and we choose to 'agree to disagree '. Fast forward 1week to XX/XX/2022, and i've found that both of my CHASE credit card accounts have been closed. No information provided when i called Chase. Waiting for 30min for a supervisor, i was then told that my accounts were closed for 'inappropriate behavior ', which is at the sole discretion of Chase and is unable to be questioned or reversed. I'm currently faced with having my 'financial rug ' pulled out from me for a single interaction with Chase that i feel has been blown way out of proportion, but given the lack of recourse or even engagement between the bank and myself, i am powerless to do anything and been given 30days to spend all my points from 15+ years of being their customer ... or i lose that too. I'm extremely frustrated, but also alarmed at the inability to engage and resolve disputes without the bank using this arbitrary, and one-sided power to make a decision that leaves me in a very difficult position, and they have the audacity to say " they are sorry for the inconvenience caused ''. I understand that my questions and attitude were not appropriate for the call agent ; i was frustrated after spending years dealing with what appears to be a fraudulent vendor, and further frustrated when my credit card company I've used for 15+ years appears to have the same disdain and general lack of empathy for consumers that allows predatory practices to occur. I did not threaten anyone, and may have raised my voice when stating my disbelief at what the call center rep stated ( i personally feel that she was equally wrong/inappropriate in her statements ), and the only thing i remember saying that could be considered threatening is that " i was going to add Chase to my list of predatory firms since they appear to support continued charges on my account from a disputed vendor/ i can not believe they can not block this ''. I have no problem with someone calling my statements inappropriate, and i acknowledge the 'fine print ' that allows Chase to cancel my account at their discretion for any reason ( or no reason ) of their choosing ; however, i would hope that given today 's events where we are all overly sensitive because of the difficulties we are all trying to work through, that there would be some recourse available. | ||||||
| 02/21/2021 | Yes |
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| This is my original complaint ( first paragraph ) with Chase as well as my new complaint. I have banked with Chase for a number of years. A number of years ago, out of the blue they started charging me for Accidental death and dismemberment insurance XXXX {$9.00} every month ). I contacted FTC and spoke with someone from the Chase office and they said they see I didn't request it. They gave me my money back and stopped the charge. So a few weeks ago since I am home, I go through my account and see it is back on my account. I file a complaint and Chase replies I have to dispute a charge from them that I have never requested. They can see it was never requested and they can research and see it was actually stopped a few years ago. But according to them I must dispute being robbed with the thief. There was no mention of stopping the charge and investigating who keeps putting it on my account. Since then I have done my own research and spoke with two different people within Chase and have gotten various answers to the same questions. XXXX from their executive office was the first one to get this case. He then proceeded to push me to the claims department. What I don't understand is if his office was not going to follow through ( i.e. take the time to do the actual research ) or this was not something his office handled, why was it given to him in the first place. He then proceeded to send me a form letter that stated {$9.00} was from an outside company and I can call XXXX to put in a claim thru Chase ( that number is no longer in use ) .On XX/XX/XXXX I found the working number for the claims department and called. I waited on hold for 7 minutes and finally spoke to XXXX. She asked me who referred me and I told her the executive office ( she seemed as surprised as I was that they didn't handle this themselves ). I told her I tried going through online bank statements but it seemed like I was only able to go back 3 years, I was looking for the original charge and credit. I explained to her I had had this problem before and Chase had told me they had handled it. As we were speaking she told me this is an insurance company for Chase employees. Supposedly the executive office didn't know what this was. I explained to her I worked for XXXXXX/XX/XXXX more than 20 years ago. She credited my account and advised me the only way to truly stop this charge is to close the account and open a new one. I appreciated her honesty and told her I had to make sure I stopped the direct deposit and then will close the account. On XX/XX/XXXX I called Chase 's general number to close my account. I spoke to a woman I believed was called XXXX but she seemed very abrupt and didn't seem to appreciate me asking her to repeat her name ( which I always do just to make sure I get it right ). I asked her to close my account. I had to ask her how long it would take, she advised me 1 business day. I made sure there was a {$0.00} balance on the account. I asked her how I would find statements older than 3 years, she told me exactly what to look under and I would actually be able to go back 7 years. I thanked her for more information that I wasn't told and believed that was the end of it.I just received a notice in the mail stating that I owe them {$45.00}. By my calculations they actually owe me. On XX/XX/XXXX I was given a credit of {$70.00} because I had advised them I did not authorize this company to take out any money from my account, I did not work for Chase and I had insurance with XXXX so I would have never authorized this. The next month shows everything was fine, Then on XX/XX/XXXX and XXXX it shows they allowed it again and that company then started charging {$9.00} which was different from the original {$6.00} charge so I didn't even notice. I didn't realize because I had a full time job and I also was in school. I also was nave enough to believe if Chase had told me they would take care of it, that is what they would do. If I needed to close my account back then, they should have said so. It seems like this new {$45.00} charge is some sort of retaliation for writing a complaint about them. I hope we can find some sort of concrete resolution to this issue, as it has been going on for several years without appropriate recognition and compensation. | ||||||
| 08/29/2018 | Yes |
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Web | Servicemember |
| In good faith, rough draft summary, and with all due respect, on or about XX/XX/2018 I applied for a Chase credit card based on information provided by JPMC by phone. My exclusive interest was in a 0 % balance transfer offer to consolidate my last credit debt. A Chase representative advised me that the Chase Sapphire Preferred had the 0 % balance transfer offer. Chase reassured me that the Sapphire Preferred card had the 0 % transfer offer. In good faith I applied for the Sapphire Preferred card not knowing I was given wrong, possibly intentionally misleading information by Chase. I was approved for the Sapphire Preferred card for {$5000.00} after speaking with Chase 's credit department due to my credit reports having a Fraud Alert freeze per my request requiring direct contact with me regarding any applications for credit due to me surviving past identity theft by my family uncle and separately by my family brother -- -- both convicted drug felons. Again, I believed that the Sapphire Preferred had the 0 % transfer offer because Chase provided me said information more than once. Ironically, the initial Chase Sapphire Preferred card was stolen before I received it by US mail. Chase contacted me on XX/XX/2018 by email regarding possible fraudulent activity involving over {$2000.00} in charges at a New Jersey XXXX store despite the merchant not requesting photo identification and the store having video security. Chase replaced the card after I filed a fraud report with Chase. All these time wasting problems for one credit card. Next Chase sent me a replacement card via XXXX, which I received on Tuesday XX/XX/2018 at XXXX. Upon reviewing the card information and speaking with Chase and registering on Chase.com I learned the hard way that there was no balance transfer offer of any kind, especially 0 % as reconfirmed on Chase.com under my account. On XX/XX/2018 Chase customer service insisted I call their credit department during business hours and transfer from the Sapphire Preferred, not apply for the Chase Freedom card. On Wednesday XX/XX/2018 I called Chase twice and two customer service employees made it impossible for me to speak with its credit department despite yesterday 's representative advising me that only the credit department could provide me with correct credit advise, not customer service. So today, XX/XX/2018 both Chase customer service employees were playing credit experts giving me wrong and misleading information. One material fact was I was told to keep the Sapphire Preferred and apply for the Freedom card and that I will be approved. She no less promised me that I would be approved for she will also make a note in my account about the misinformation and interest in 0 % transfer offer with the Freedom. I applied online because said Chase customer service told me to and refused to allow me to speak with the Chase credit department by phone. I was denied and now I have another strike on my credit reports for me applying for credit. And I have a credit card I do not want, but I already cancelled my Amex accounts to consolidate my credit lines and avoid Annual membership fees, though now I am stuck because the Chase Sapphire Preferred cost {$95.00} a year after the first year. And I can not apply for new credit without harming my credit reports and being rejected for new credit. It is reasonable to believe that Chase intentionally acted in a maliciously deceptive and predatory manner to trick me in applying for its more costly credit card then lie to me to apply for a new card they promised me that I would be approved for knowing they can not make said promises. All the while Chase acted like they were acting in good faith while acting like they were doing me a favor when I reported these concerns. Chase staff attitude were subtly rude, arrogant, dismissive, and cold. Treating me like I am stupid. In the end, I have hits on my credit reports, a credit card I do not want but I am stuck in a Catch-22 while Chase acts innocent, and i look desperate for credit when I am not. In footnote, I have {$0.00} in credit card debt as confirmed by my credit reports. I only wanted to consolidate less than {$1500.00} in Amex charge card debt to help rebuild my credit as an identity theft survivor with damaged credit. | ||||||
| 07/14/2021 | Yes |
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| I have been a client at Chase Bank for several years. Until this morning, I had maintained four separate checking accounts with Chase. I was highly surprised when a supplier sent an email this morning, XX/XX/2021, asking me to replace my payment method. I found out Chase Bank, without a single notice, had closed overnight those four accounts without any explanation or warning. Two of those accounts belong to two different corporations. Third account is personal, fourth is a savings account. In addition to this unforeseen and unexpected development, {$100000.00} that had been credited as usual from an established customer to my account on XX/XX/2021 through a wire transfer, had disappeared and remain unaccounted for until this very moment. XXXX XXXX, my branch manager, was as surprised as I was to this unexpected development, and proceed to put me in contact with a bank supervisor over the phone, who in turn transferred me to an employee from the Fraud and Loss prevention department, XXXX XXXX. This gentleman, refused to clarify or help in any of the issues : Reasons for the sudden closings, and the destiny of those {$100000.00} that should have been either in my account, or returned to my clients bank account immediately. XXXX continued repeating himself stating I had signed an agreement with Chase that they had the right to close my accounts without any given reason. He refused to transfer me to his own supervisor. I informed him I was recording several segments of the almost 2 hours this phone wasteful ordeal lasted. When asked where the {$100000.00} were at that moment, he refused to answer, stating that they will contact me in 48 hours to let me know in the next 10 days, the answer to that question. Bottom line : I believe I am a victim of persecution, politically, religious and/or racial, from Chase Bank and or their employees at the institution, for reasons beyond my understanding. I believe Chase Bank is profiting from mine and my clients money in these hours they keep retaining a money not of their own, gaining interest over it, as acknowledged by my own branch manager. Chase Bank refuses to even submit proof of funds over those {$100000.00} that were not refunded to me nor to my client. I do not run international business transactions, money orders, cash operations or activities and transactions related to any coin bit, casinos or illegal operations. I run my business as a XXXX XXXX as per on my website XXXX. I am not in default, not overdraft. There are no Court orders against my accounts, personal or professionally. I have recently expressed publicly personal opinion in politics and health issues and I believe I am being persecuted for those beliefs and opinions. I am being damaged by the sudden inability to access my funds and therefore perform the activities as contracted with me by my clients for the normal performance of my duties on their behalf. Chase Bank is punishing a female small business owner incapacitating me, without any warning, through lack of access to my finances and means of living, while impeding reasonable access to performing my duties to my clients through a financial institute. I am damaged by their actions, and appalled at their abuse of power and their usurping monies not their own, to earn interest on them. This refusal to even submit in any document form the existence of those {$100000.00} is unacceptable, I believe illegal and simply wrong. That a bank can have the power to shut down in a second the livelihood of any business for not other reasons that their beliefs and their right to freedom of expression should never be allowed. When there are no logical reasons, prejudice is the only answer to this miscarriage of justice and unlawful enrichment by the bank, on interests earned over monies not of their own. The damage they have caused on time sensitive jobs that have been stopped by Chase actions, not only are affecting and hurting my companies and personal life, but my suppliers and ultimately, my own clients. Chase Bank is abusing the trust of their clients by this abuse of power and illegal enrichment. I demand my accounts to be reinstated immediately and the {$100000.00} Chase is illegally holding, and enriching itself through it, to be returned to the rightful owners. | ||||||
| 08/29/2017 | Yes |
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| Subject : Complaint against unauthorized reversal of {$19000.00} from my Chase checking account on XX/XX/XXXX Hi Sir / Madam, Chase Bank made an unauthorized transaction from my checking account and they are refusing to return my money. Their claims department had refused to give me a specific reason and basis for the reversal and is asking me to settle the matter with the other party in a court of law. The details of my case is listed below : On XX/XX/XXXX, my wife, transferred {$19000.00} from her chase checking account to my chase checking account. This transaction was NOT an online transaction and the transfer was done by visiting Chase Bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX The transfer was done in the bank by a banker, XXXX XXXX. Both of us ( my wife and myself ) were present in the bank and XXXX, the Banker verified both our ID credentials and checking account debit cards. After proper validation and after the authorization by the Bankers superior XXXX, the Manager of Chase Bank branch located at XXXX XXXX XXXX, XXXX, TX XXXX, the transaction was authorized. I am attaching my checking account statement forXX/XX/XXXX as proof of the transaction. We my wife and me filed for XXXX under mutual consent in XXXX on XX/XX/XXXX. On XX/XX/XXXX, I found that My chase bank account was frozen and I was not appraised of the same. The contact center refused to give me a valid reason and on visiting the Bank, I was told verbally that my wife disputed a {$2000.00}, online transfer which she had made using XXXX XXXX. I was told that the amount is under investigation and till the investigation is over, my account will remain frozen. The Bank never sent me any communication and didnt allow me to present my side in this case. I was not informed of the nature of the complaint nor was I informed of any other details. My account remained frozen for next 2 months and on XX/XX/XXXX, I found that they had unfrozen my account. However, they reversed {$19000.00}. I received a letter from bank that they are reversing the money as they made an error in processing an ATM withdrawal. ( scanned copy attached for reference ). I raised the complaint with the Bank Executive office on XX/XX/XXXXand an associate named XXXX had recorded my complaint ( Case No # XXXX ). On XX/XX/XXXX, XXXX called me on my cell number and informed me that as per the Bank it was an online transfer ( attached is the Bank statement for XX/XX/XXXX which shows the transaction as an online transaction ) which was disputed by my wife and Bank will not reverse the transaction. Now they have advised me to take the case in a court of law against my wife. Chase bank has failed to give me any information during the whole ordeal. They have failed to do the due diligence and investigate the case correctly. The transaction was a legitimate transaction, which was done in the bank, with the help of a banker. The banker had verified our IDs and the transaction was sanctioned by the Bank Manager. On three occasions, the bank has faulted in identifying the transaction In the letter dated XX/XX/XXXX ( attached ) they claimed that it was an ATM transaction error, secondly, in the verbal communication by XXXX from Chase Bank executive office and in the account statement, they called it an online transaction and thirdly I received a letter datedXX/XX/XXXXthey claimed it was a check deposit, while in reality, it was none of these three. Chase bank dishonored a legitimate transaction and betrayed me as a customer. They took a decision on my bank account without giving me any reason on the claim and took money out of my account and gave it to the third party and then asked me to take it up in the court of law. I believe the unauthorized transaction was a clear breach of trust and a breach of fiduciary responsibility of the bank. Given the above account of my ordeal, I request you to take this up with the bank and ask them to correct their mistake and give me my money back and credit {$19000.00} into my account at the earliest, reverse any fees that has been levied to my account post XX/XX/XXXX for overdraft. I request the bank to honor the legitimate transaction of {$19000.00} done in the branch on XX/XX/XXXX and honor my rights as a customer. Thanks. Sincerely. | ||||||
| 12/11/2023 | Yes |
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| Chase is engaging in predatory practices in failing to credit payments against my credit card account in a timely manner and in not crediting the card for merchandize that was ordered, lost in transit, cancelled and not received. I have spoken to it about these problems to no avail. In the course of these illicit denials of credits on the account, that total nearly $ XXXX ( {$5900.00} ), Chase has falsely claimed that I am over the credit limit for the card and has probably degraded my credit score as a result. In addition to these problems, for many months now, Chase online banking frequently has not been available, in whole or for particular functions, unpredictably, so much so that it is impossible to get up-to-date, accurate information from it, reliably, or to make payments in a timely manner, often. Similarly, the confusion created by its website has also resulted in frequent over payments that Chase then refuses to refund, including double payments made in a short period of time. Around XX/XX/2023, I noticed that a XXXX XXXX company, XXXX XXXX XXXX, was advertising 2-day delivery on items ordered from its website. This proved to be false, misleading and deceptive advertising to increase sales, that Chase and the merchant now want to force me to pay {$960.00} for. After I placed an online order by or some time before XXXX XXXX, long-after the alleged XXXX delivery date, I got a call from the merchant claiming that they needed to verify information on the order already provided, in writing, through its website. When more time passed beyond the advertised delivery date, I called the merchant again to indicate that the items had not been delivered as advertised, by XXXX XXXX. At that time, the person I spoke to changed the original order number ( XXXX, placed through their website ) to a second order number, XXXX. The second order, under the new order number, also failed to arrive in the same 2-day advertised period. At one point, the merchant claimed that it had delivered the items, but the postmaster where it was to be delivered denied that any delivery was made. ( There is some indication that the XXXX center in XXXX, MD, habitually falsifies delivery dates without consequence and has for many years. ) At that point, around XX/XX/XXXX, I spoke again to the merchant and told them that the shipment was lost in transit, I never received it, and, furthermore, I no longer wanted the order since I had been repeatedly lied to by XXXX XXXXXXXX XXXX. When I spoke to the merchant, I told the man I spoke to, to cancel the order. Several days later, on XX/XX/2023, I got an email from the dishonest merchant indicating that the second order number had shipped. I immediately responded via email indicating that the order had been cancelled, the merchant did not have my permission to abuse my credit card in its bait and switch game, and I repeated what the merchant had been told days previously. Around XXXX XXXX, I called Chase to alert them to the problem and told them that there should be no charge on this credit card from this dishonest merchant. At that time, Chase claimed that there was no charge from them and that therefore, it would do nothing about it. This is not the first time, I have alerted Chase to an ongoing problem to try to defuse it before it becomes a larger problem, and Chase always refuses to take any effective, prophylactic action on it. Chase more typically tries to cram illicit charges down the throats of card holders for specious, petty reasons, as it is attempting to now. However, the errant charge now is showing to have posted on XXXX XXXX. Please listen to the recording for this conversation, as it is clear that Chase does nothing to prevent these kinds of problems from occurring or snowballing and may even lie about posting dates so that it can avoid issuing credits for illicit charges. Concerning payments to Chase, recently I made an electronic payment to this credit card for {$4900.00} from my JP Morgan checking account through online bankings bill payment system. However, the date of the payment was changed from a few days ago to XXXX XXXX, ensuring that the payment was not made. Around the same time, the illicit charge from XXXX XXXX XXXX posted, despite my warning to Chase, on XXXX XXXX. | ||||||
| 10/21/2021 | Yes |
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| On XX/XX/XXXX I went online to book a hotel and car rental for a trip on the XXXX. I found myself on a site called XXXX XXXX. I picked a hotel and rental car and proceeded to purchase screen but I got a system down message. I went into my email to see if I had anything from XXXX XXXX nothing. Went to my online banking saw no charge. I assumed transaction was not successful. On the XXXX I noticed a charge for XXXX charged to my debit card. Again I go into my email do a search and nothing from XXXX XXXX or anything from a hotel or rental car. I then called chase bank and explained what happened and initiated a claim. I had no correspondence from the bank or XXXX XXXX. So I went online the XXXX of XXXX to book a hotel for my trip on the XXXX. I booked a hotel with XXXX and I received a confirmation from both the hotel and 3rd party that I booked through and was only charged a deposit to hold the reservation. Weeks pass and nothing then suddenly XX/XX/XXXX I see a charge back to my checking account for the full XXXX. I called chase Bank immediately and was told XXXX XXXX denied my claim. I asked how I never received anything services or otherwise. While on the phone with chase claims I live chat with XXXX XXXX. They told me no past or current charges show and said I need to prove I was charged by XXXX XXXX for them to be able to do anything. It was a Friday and I was told by chase to print screen shots of this correspondence and fax to chase claims. Monday the XXXX I go to the bank and get proof of charges. I then live chat with XXXX XXXX once again but this time when I give them the amount and email the documents. I'm told they see the charge. I explained what happened and was told they would try to authorize the credit. After 30 min in the live chat with no response. I asked what's going on?? I was then told that they called the hotel and car rental companies and due to the type of charge could not be issued a refund. At this point I can't help but think this is a scam on a Friday when contact I'm told no charges existed then the Tuesday I'm told they do? I tell them I never got anything from XXXX XXXX or another company confirming those charges/reservations To my knowledge I never made a successful purchase their system was down. I also asked why they waited well over 30 days to deny the claim. I was told that he could do nothing but submit a request that takes 10 days to try and get a refund. I figured my bank would have better luck so I printed the screen shots of the conversion on that Friday the XXXX and from the Tuesday XXXX and faxed to chase. I then called chase and told them I faxed documents. I inquire as to why I never got any notice from chase about the claim being denied. They stated it was sent by mail on the XXXX. Conveniently I never got and I don't believe this was done. I requested they mail documents again and was told 48hrs before a response to my faxed documents. I don't understand how I can be held responsible for something I never got and a month and a half after my claim charged back without prior opportunity to dispute for full amount. The emotional distress has been crippling. Not only did XXXX XXXX fraudulently charge my account for the full amount for a hotel and car rental before I ever even went on that trip. They waited from XX/XX/XXXX to XX/XX/XXXX before they denied my claim. Then my bank chase never gave me opportunity to dispute clearly the moment I saw the initial charge and the charge back I contacted chase. If I had anything booked with XXXX XXXX I would of used it why would I book a hotel on the XXXX days before my trip if I had a confirmed reservation? I had to pull money out of a investment account to cover fraud and take a penalty to do so. I have bills and XXXX is not a small amount. Today is Thursday XXXX and no resolution. XXXX XXXX is a scam I plan to close my account with chase but I'm waiting for a resolution or even a response. I will never use a traditional bank again but for some this is not a option. A charge back of that amount a month and a half after the initial charge for the full amount 2 weeks before I even took the trip. Should be enough for the bank to know this was a fraudulent charge. I never received anything how are they even able to deny the claim. | ||||||
| 04/25/2020 | Yes |
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| XX/XX/2020 : I received a call from Chase fraud department informing me that two transactions were flagged and denied in Florida on my debit card ending in XXXX. I also received 2 text messages from the automated system requesting that I call to confirm if these denied purchases were in fact made by me. I recieved a phone call from a Chase employee named XXXX and informed them that they were not made by me. The representative assured me the card ending in XXXX was now closed and I would receive a new card in the mail. XX/XX/2020 : Logging into my checking account, I was surprised to see that it, along with my savings account were at XXXX! The total stolen was {$4200.00}. Again, I had to call your customer service department and spent more than 4 hours being passed between customer service and claims with no one knowing how to get this situation fixed. If you have a fraud department that is supposed to prevent such crimes, why didnt it stop this? It seems as if Chase is a co conspirator in this crime. XX/XX/2020 : Sensing that I was getting the run-around with your phone-in center, I went into the local Chase branch and I was helped by XXXX XXXX. It was at this time that Mr. XXXX determined how this crime happened. After noticing a {$5.00} damaged or stolen card charge on my account for XX/XX/XXXX, Mr. XXXX determined that someone had ordered a new card and was able to update my shipping address to her home address in XXXX XXXX Florida. I have no idea who this person is. How is a criminal allowed to have a new debit card for MY account mailed across the country? In addition, Mr. XXXX determined that the debit card in my possession was deactivated and the debit card in the criminals possession was never deactivated despite both cards ending in XXXX. The initial call from your bank did NOTHING but to confirm to the criminal that she had all the correct information. A third item Mr. XXXX discovered was that no claim was filed on theXX/XX/XXXX. Mr. XXXX was the only person to correctly deactivate the debit card in Florida but by then, there was NO MORE MONEY TO STEAL. Why are your employees not doing the job they were hired to do? For the next 6 days I went to the branch or called in to customer service waiting for my money to be returned to me. Only after I pointed out that your actions were a violation of Regulation E, was the money was finally returned on the XXXX of XXXX. THIS, HOWEVER, WAS NOT THE END OF MY PROBLEMS WITH CHASE. XX/XX/2020 Chase bank deducted {$3500.00} from my checking account which made my account overdrawn. No call, no warning that this was going to happen. I was later told I received a letter about this. No such letter was delivered to me. I went to make a purchase with my card and was denied. Do you understand how embarrassing this is? Again, I had to call customer service and at that time I was told the claim was denied because the criminal had my pin. When I asked to speak to a supervisor, your customer service rep told me the matter was closed and would not be further reviewed and then proceeded to hang up on me. XX/XX/2020 : I paid another visit to the branch and spoke with the manager XXXX XXXX and Mr. XXXX. Both people were sympathetic to my situation and I believed them when they told me that they thought the bank was in error. In fact, Mr. XXXX called your claims department and argued my case for me. He said to be patient and, in his opinion, this should be resolved in my favor within 3 business days. XX/XX/2020 : Today is the XX/XX/XXXX and I returned to branch after filing a police report with the XXXX Police Department in Florida, hoping that the criminal will be caught and prosecuted, something it seems Chase does not care about. Previously, Mr. XXXX was able to print out a summary timeline of the calls I made to your customer service department and what was discussed. Upon comparison with my call logs, it appeared some calls from Chase were not on record. On this day, I was told that records of some of my phone calls to Chase were not available. When I requested to view these records and compare them to my printed call logs from XXXX XXXX XXXX I was told that the legal team was handling it now and they could not give me any further information regarding this claim. | ||||||
| 01/21/2022 | Yes |
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| On XX/XX/2021, two not initiated by me, unauthorized, fraudulent transactions occurred against my personal household Chase account ending in XXXX. The first transaction was a transfer out for {$1000.00} and the second one was a transfer out for {$34000.00}. On XX/XX/2021, when I looked at my Chase account, I realized that 2 un-authorized, not-initiated by me transactions were pending and attempted to stop the pending transactions by calling the Chase fraud department . After an hour on various holds I was informed that the Fraud department was closed and do not provide fraud services after normal business hours. Due to this lack of fraud support services I was unable to speak with anyone about it that evening. The next morning on XX/XX/2021, I went into a local Chase branch and asked them to stop the pending transactions. They instructed me they couldnt and that the funds would be returned to me after I submitted a fraud claim which has since been denied. Chase Fraud XXXX # XXXX. Inquiry date on claim XX/XX/2021. I was never contacted about the claim was denied and the communication was initiated by me to get a status on the claim by going into the branch office. As part of this fraudulent transaction, the funds from Chase were converted to a XXXX purchase within my XXXX account which was also compromised. Part of that compromise was the withdrawal of the 34,000 & 1,000 funds from Chase. I also contacted XXXX, submitted a fraud case with them and locked the XXXX XXXX account to lock out the bad actors. Since the account is locked I can no longer see activity but XXXX has indicated that there is a balance and that they would work with Chase and any of the authorities. I filed a police report outlining the fraudulent activity. Chase has indicated they have read the police report in XXXX calls with them and that their decision was pending the police report. This was conveyed to me during one call which I initiated because I did not hear anything from them about the claim. Police Report # XXXX filed XXXX XXXX, Florida Chase ultimately denied the claim and claims no responsibility to work with XXXX to securely retrieve the funds ( what is there & recoverable ) and they are refusing to reimburse me for the fraudulent transactions of {$1000.00} and {$34000.00}. I did not initiate these un-authorized transactions and did not benefit from this activity. I would have thought Chases fraud department would catch something like this as this was not my normal pattern of behavior and the amounts should have raised red flags. I have had that account open for over twenty years and never transferred that type of money out of Chase. Additionally, both transactions were done out of state. This should have been easily flagged and the fraudulent activity adverted. I was not notified by their alerting system, I have accounts alerts starting at XXXX, nor was I contacted by Chase to confirm these transactions prior to their execution of these large and out of the norm transactions. I am asking to be made whole for the fraudulent transfers out of {$1000.00} and {$34000.00} and for Chase to do their own recovery process in conjunction with XXXX as a fraud crime did occur. Chase is saying it was not fraudulent and that they are not responsible for the funds they let out of my account without my consent. I do not understand how Chase who has a vested interest to not acknowledge fraud now has the ultimate authority to determine that it was not fraud and has denied my claim twice. Clearly this was fraud. Chase has acknowledged that they have reviewed the police report during my conversations with them. The police report clearly indicated that it was fraud based upon their review of the activity and their subsequent investigation. Additionally, XXXX acknowledged based upon their review of the un-authorized activity that it was fraud based upon their research. Most importantly I the account holder have indicated that these transactions were fraudulent, un-authorized, not initiated by me and clearly of no benefit to me. How can Chase deny the claim? The account is personal & covered by the Federal Laws : The Electronic Fund Transfer Act & Regulation E of Federal Reserve Board for bank accounts for personal, family or household purposes. | ||||||
| 07/30/2020 | Yes |
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| XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX [ XXXX ] XXXX XXXX Re : Account Number XXXX Mr. XXXX XXXX [ Chief Executive ] XXXX XXXX XXXXXXXX XXXX XXXX, N.Y XXXX [ XXXX ] XXXX XXXX XX/XX/2020 Dear Mr. XXXX, This letter is in regards to a lender by the name of XXXX XXXX XXXX doing business through Chase Bank thats using several different accounts to fraud people. 1. Bank Name : XXXX, Name on Banking Account : XXXX XXXX XXXX, Account Number : XXXX, Routing Number : XXXX, Swift Code : XXXX [ an Ally savings account that could be used for a checking account with Chase Bank ] 2. Bank Name : Chase, Name on banking Account : XXXX XXXX XXXX, Account Number : XXXX, Routing Number : XXXX, Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX, Swift Code : XXXX, State : Illinois, City : XXXX XXXX. XXXX In the attachment the loan agreement, receipt for the processing fee and receipt for the wire transfer that supposed to have been provided by Chase Bank for the wire transfer of the money to my sister XXXX XXXX XXXX XXXXXXXX XXXX Account ; which the Chase Representative on XX/XX/2020 told her there was no record of the money ever having been sent through a wire transfer from Chase Bank. Mr. XXXX my sister is a member of the XXXX XXXX an organization thats supposed to connect people together with the buying of properties, flipping properties and landing which is where XXXX XXXX came in as a lender, we were told by him being a private lender there would be a upfront processing fee of {$2100.00} for the loan amount of {$370000.00} at 5 % for 30 years, which we agreed to and was taken out of my bank account : XXXX, Routing Number : XXXX, since then Mr. XXXX has come back and said in order to wire the money to my sister XXXX XXXX XXXX XXXX Account there would be a charge of {$3500.00} for the loan insurance for the wire transfer. While Mr. XXXX is using this bank as a means to fraud people I am requesting the Banks assistance in a resolving this issues that Chase Bank would contact the Banks owners of the accounts provided asking them to request Mr. XXXX to return the {$2100.00} for processing fees because if he refuses and legal action are taken the Banks would have no choice but to stand with Mr. XXXX, and to find some way of closing all the accounts listed above and making it impossible for them not to be able to get any other accounts with any banks ever. I can be reached at the information above Thanking you in advance for your assistance in this matter XXXX XXXX Because they refuse to work with us Mrs. XXXX XXXX XXXX [ CEO Consumer Banking ] was contacted Dear Mrs. XXXX This letter is in regards to a call made to the Executive office on XX/XX/2020 case number XXXX requesting to speak with a supervisor and being told it would take about 48 hours for a supervisor to get back to me [ I am still waiting XX/XX/2020 ]. XXXX has a XXXX complex and I would like to have another agent to work with me on this case XXXX, I have been a Chase customer for over twenty years, and I feel as if I am being treated like the criminal, I have sent Chase the false wire transaction slip sent to my sister which lets everyone know Mr. XXXX XXXX XXXX has tried to defraud me and XXXX is not even willing to work with me to recoup my money, she is saying the bank cant make me whole because I took the money out and deposited it, in the first place that money was requested to be wired when it was sent, however I am not asking the bank to refund the money merely recognize I am the victim and work with me. XXXX has not respond to me as if she wants to do that. Thanking you in advance for your assistance in this matter XXXX XXXX Good afternoon Mrs. XXXX, I am XXXX XXXX, XXXX XXXX sister that sent you the email he has given his consent to speak with me regarding this case, I just reserved a call from him saying in order for us to get results regarding the case we would have to get with the police department, please help us understand how? that can be possible if we don't have the information and/or contact person to give them, we don't even have a last name for XXXX let alone a contact person for the security team. Please be kind enough to send that information so when we speak with the Detective we can relay that information. Thanking you in advance | ||||||
| 01/30/2023 | Yes |
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| I have a XXXX XXXX XXXX, opened in XXXX. My wife has a Chase Freedom and XXXX XXXX. We transfer points from her account to mine to take advantage of my superior redemption rates. Chase has the following policy on points transferring : You can move your points, but only to another Chase card with Ultimate Rewards belonging to you or one member of your household. If we suspect that youve engaged in fraudulent activity related to your credit card account or Ultimate Rewards, or that youve misused Ultimate Rewards in any way ( for example by buying or selling points, moving or transferring points with or to an ineligible third party or account, or repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards or manufacturing spend, repeatedly opening or otherwise maintaining credit card accounts for the sole purpose of generating rewards ) we may temporarily prohibit you from earning points or using points youve already earned. If we believe youve engaged in any of these acts, well close your credit card account. In XX/XX/XXXX, we tried to transfer points from my wifes account to mine. My account was no longer an option on her screen. We also could not find a place to re-add me as a member of her household. We searched the issue online and found that others shared the issue, but that calling customer service usually resolved the issue : https : //thepointsguy.com/news/combine-ultimate-rewards-points-changes/ Customer service told us that they could not add me to her household because somebody else was already connected to my account. Chase described this relationship as one-way : this unknown person could send points to me, but my account was not set up to send points to them. Chase told me they could not tell me the identity of this person. I listed off members of our families, though we had no memory of being part of anyones household. No names matched. I asked if they could just sever this tie ; I no longer wanted them associated with my account. Chase said they were unable to do so. I escalated the issue, and was told that someone would review the situation and mail me a letter. This pattern occurred 5 times since XXXX. I have searched the bowels of Chases website, my transaction history, and my emails. Ive called and explained the issue multiple times. Each time, the call was escalated to a manager, the manager said there was nothing they could do but they could put in a request to review the account. Each time, I received a letter saying that my wife should add me as a member of her household on her account she could not, which was the original reason I called. I now have a stack of letters. I've attached the most recent one. Today, after receiving yet another letter, I called Chase again. After being transferred to an escalation agent, I explained our issue. She said that the only way to resolve the situation was to have the person who was connected to my account remove themselves from my account. I said I knew of nobody other than my wife who ever was connected to my account, and that I did not want anyone else to be connected to my account. It is not a joint account ; nobody should be able to control how it works. She said she was unable to help. I asked what would happen if I discovered who was connected to my account and asked them to remove themselves, but they refused to do so. She said there was nothing Chase could do. I was alarmed. In short, Chase is telling me : -There is a connection between another persons Chase account and my individual account. -Under this connection, this other person can send me rewards points. But I cant send points to them. -Chase cant provide any details about who this person is, when the connection was set up, or when it was ever used. I havent been able to find any details in any documents from Chase that I possess. -I dont have the option to remove this connection to my account. That right is reserved solely for the other person. -I am unable to add my wife to my account because this other person is connected to my account. This troubles me. Points aside, I should have control over my account. If I want to remove some sort of previous connection, I should be able to. I should be able to know who this person is. | ||||||
| 10/25/2017 | Yes |
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| XXXX XXXX : I received a voicemail from ( XXXX ) XXXX at XXXX XXXX that stated : " Hi this message is for XXXX XXXX XXXX My name is XXXX and I am calling from XXXX XXXX XXXX XXXX have been contracted to mail out certified documentations to your residence. These documents will be getting delivered during the hours of XXXX to XXXX. If you will not be available and you would like to reschedule or if you would like any further information either yourself or your representative can call the filing firm at XXXX XXXX XXXX XXXX and you will need to reference your case number and the number is XXXX. Thank you have a great day. I called at XXXX the number XXXX XXXX XXXX XXXX and and individual by the name of XXXX XXXX XXXX who had a female voice ) from XXXX XXXX XXXX and that this call was being recorded. She asked me what my reference file number was and looked up the account. She then proceeded to verify my identity by asking for my social security number and birthdate and attempted to verify that I was employed by XXXX XXXX XXXX ( a LLC business that I had owned for a short period but have always been a federal government employee ) She explained that I would be receiving a warrant and summons for an at my place of employment for an outstanding debt with JP Morgan Chase for a credit card amount. I did not, at first, capture the amount of the alleged debt, but I did ask for more information. She provided a contact number XXXX XXXX XXXX XXXX and stated that the XXXX credit card account was opening in XXXX with the account # XXXX XXXX XXXX XXXX. I started to asked questions regarding the validity of the debt and stated that I did not recall ever opening an account with JP Morgan Chase. She stated that I could look into it and that she would request that JP Morgan provide signature documents so that she could send them to me if I wanted to dispute the debt. I ended the call and immediately called the number provided for JP Morgan Chase. JP Morgan ChasXXXX asked for my credit card information, which I stated. They repeatedly stated that it is an invalid account number and that they have no record of any debt that had existed with my name. They searched via account #, social security number, birthdate and accounts which I would be a primary card holder as well as an authorized user and no records were ever returned. At XXXX pm I called back XXXX XXXX XXXX to gather more information. I spoke with an individual named XXXX XXXX after XXXX XXXX XXXX Female voice again XXXX transferred me to him. XXXX advised that he understands that I am disputing the debt and that there is nothing further he can provide at this time. I continued to ask additional questions regarding where his office was located. He stated XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I continued to ask additional questions regarding the debt which he stated the account was opened on XXXX XXXX, XXXX and there were proper payments until XXXX and the debt was charged off in XXXX. He stated the total debt was {$2600.00}. I asked what was the principal amount that was charged off which he stated that {$2000.00} and that {$650.00} was interest, penalty and fees. I asked when XXXX XXXX XXXX received/acquired the debt in which he could not provide a date but stated that it has come to his department last week. I asked for the specific date that the notification came to his department which he stated XXXX XXXX, XXXX. I continued to ask further questions regarding how long would it take to receive a response regarding the validity of the debt and if I could prepay the owed amount and if the debt was not valid, I would receive my money back. He became increasingly agitated by my call and probing questions and hung up on me saying that I will receive my notification and can further address my issue then. I called back and tried to get more information in which I continued to get responses that my account is on hold pending additional verification of the validity of the debt but I should receive legal paperwork soon. I also asked about what business I was talking to. The latest was I called into a call center called the XXXX XXXX and they were just a filing center. I would like some assistance in determining the validity of this debt collector and how I should proceed. | ||||||
| 06/12/2023 | Yes |
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Web | Older American |
| When my cellphone rang, the caller ID said Chase. The caller said she was a Chase rep alerting me that a fake checking account had been opened in my name. She had all my information. She closed the account but needed to cancel 2 pending XXXX transactions. She transferred my call to another Chase rep after she gave me the deactivation code for the XXXX cancellations. The male Chase rep walked me through the process, which I was becoming skeptical of. He told me the recipient was " Cancel XXXX. '' I needed to add the deactivation code to the amount box and change the dash in the code to a decimal point to Cancel XXXX. I said, " This is going to look like a payment. How do I know you aren't scamming me? '' He said this is the only way XXXX will accept this deactivation. It was for {$490.00} and the fake Chase rep asked me to press SEND. When I did, nothing happened. The fake Chase rep then asked me if I had pressed SEND because it didn't go through. I said, " Yes. '' He told me to hold on so he could check. That's when I hung up on him and called the XXXX Fraud line. A recording came on that told me to call the number on the back of my Debit card. I quickly hung up and did just that. A guy named XXXX answered. I told him I'm in the midst of being scammed and asked for his help. He looked at my account and said, " The fraud was caught. That Cancel XXXX sent up a red flag and Chase caught it. That transaction has been suspended due to fraud. '' I said that it still says " Pending Review '' on my side. He told me not to worry because it was already caught as fraud before I called to report the fraud and it was never going through. I thanked him and asked him to remove the " Cancel XXXX '' as a recipient so I didn't have to see it when I logged on. He did that in seconds. My handyman was with me for all conversations and an hour later I paid him through XXXX. The fraud transaction still came up on my screen as " Pending Review. '' Sometime the next day I logged onto my account and saw that the suspended transaction had gone through. I immediately called the number on the back of my Debit card. XXXX from Chase said she wasn't sure it had actually gone through. She put me on hold to investigate. When she returned she told me that the suspended transaction did somehow go through. I asked, " How that could be when I was assured it would never go through? '' She tried to find out but never really disclosed to me how or why a fraudulent, suspended transaction went through on my account. XXXX said I would be credited {$490.00} because it was a suspended transaction and that the credit could take up to 10 days. A day or so later, the Chase Claims department sent an electronic letter saying they denied the {$490.00} credit and that I should call them to find out why. When I called, I was told they had no recording of my ever calling Chase to report fraud and that they could find no XXXX who worked at Chase. I asked if I was being called a liar. I told them they were incompetent and that doesn't make this story any better because I don't want to bank at a place that can't find my recording or that doesn't acknowledge that I reported fraud. I asked for the call to be escalated again. XXXX in the Claims department told me I called the wrong number. He said I shouldn't have called the number on the back of my Debit card. I needed to call the Claims department. I said I never felt the XXXX payment was completed because they didn't send me a code like they did when I paid my handyman. He said they don't always do that. He said that since I pressed SEND, I had to pay. I said something like, " But it wasn't completed. It was suspended for fraud! There was no transaction. There was never supposed to be a transaction. Why did someone process a suspended transaction? '' He had no answer for me that I recall. I asked if this was it and we were done. He said, " Yes. '' I went to my branch on XX/XX/XXXX and told a very nice rep, XXXX, this whole horrible story. He emailed someone to escalate and investigate this. Someone called me on XX/XX/XXXX to do research on this but said it is difficult to overturn these things. I am still waiting to hear back from her but feel this story is outrageous enough that it needs to be shared. Thank you. | ||||||
| 08/27/2020 | Yes |
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| XX/XX/2020 Sent threatening message via a direct XXXX message about expressing my political beliefs. Person says they are 4,000 people strong and target bigotry and that there is a larger network of over 20,000 people who take justice into their own hands embedded in key institutions across the nation. XX/XX/2020 Donated {$100.00} to Trump presidential re-election campaign XXXX via my personal Chase Bank checking account. XX/XX/2020 Chase Bank personal checking suddenly and inexplicably closed. No access to my {$5900.00} balance. Kept getting runaround trying to find out why account was closed after more than 4 years with no issues. XXXX XXXX XXXX Tried to get answers from Chase Bank telephone customer service. Call center keeps saying they are unable to tell me why the account was closed, and that Chase has the right to end the relationship for any reason at any time with no explanation. And that I am no longer welcome at Chase Bank. XX/XX/2020 Went to Chase Bank location on XXXX XXXX in XXXX to investigate. Banker told us she looked at our checking account records and was not able to see any reason why the account was suddenly closed. We werent able to withdraw our money. Transaction detail statement states that on XX/XX/2020 there was a Debit DDA Check Charge for the full amount of my money in the cancelled checking account in the amount of {$5900.00}. XX/XX/2020 with I called Chase Banks Executive Branch and opened a case with Representative XXXX XXXX XXXX. XXXX emailed XXXX our Certificate of Domestic Partnership and a record of two years of direct deposits of XXXX paychecks as proof, as well as a copy of his Chase Savings debit card. XX/XX/2020 Called Chase Bank, XXXX XXXX XXXX Branch and Banker XXXX XXXX spent over two hours with Chase Bank in-house services trying to find out why account was closed and let us know that the account was closed because of fraud. XX/XX/2020 Went to Chase Bank location on XXXX XXXX in XXXX to see if they could look into what happened. 4 more hours with banker XXXX XXXX [ witness ] on the phone with Chase Bank telephone customer service kept getting runaround. Finally we got connected to the Chase Bank Fraud Department who told us they have determined no fraud. Claimed the fraud that closed the account was from unemployment direct deposited into the personal checking for my partner XXXX XXXX. opening future Chase accounts, and that the check for {$5900.00} would be overnight mailed to me via XXXX. XX/XX/2020 Chase Bank claims that they tried to call me and claimed that I allegedly did not answer the call. So the Chase Fraud Department Centralized Control Team once again froze my money, saying that the ACH credit source will need to be determined, then Chase Bank can validate the funds. XX/XX/2020 XXXX emails XXXX documents as proof of previous deposits and other transactions as proof of no fraud being committed and payment history from the Department of Employment Opportunity proving Covid-19 related unemployment benefits. XX/XX/2020 XXXX emailed XXXX a document showing ongoing eligibility of unemployment that is now going into our newly opened credit union account. The Department of Employment Opportunity says that they received no inquiries from Chase Bank regarding this case, nor any request to send back the funds in question. This apparently shows how Chase Bank is not interested in doing any research to prove that there is no fraud, and how some rogue employee within the Chase Bank system is punishing certain people who donate to the Trump re-election campaign. XX/XX/2020 XXXX calls and says she will send a message to the Chase Fraud Department to follow up. She says the Fraud Department denied her request to release the funds even after she sent them the documentation that XXXX had emailed to her weeks before. I asked why Chase Bank is playing detective with Federal funding during the Covid pandemic and she stated that Chase Bank has the responsibility of playing detective with unemployment payments. I then asked XXXX to include with her follow up with the Chase Fraud Department that I will force a mediation if they do not respond in 24 hours from XXXX Tuesday, XX/XX/2020. XX/XX/2020 Still no response from Chase Bank, nor XXXX at the Executive Office. | ||||||
| 03/05/2020 | Yes |
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Web | Servicemember |
| I have been with Chase for several years now & up until XX/XX/2019 had a great experience with the bank. Then in XX/XX/2019, fraud # 1 occurred on my joint account which I have with my fianc. That was moderately easy to resolve for a {$2000.00} fraud and was what we had hoped and expected of such a prominent bank. Then, fraud # 2 in XXXX, for a higher amount than the original, and conducted in the same fashion ( someone pretended to be me over the phone, ordered a card, changed the account phone number, intercepted the card delivery & used the card at a branch far away from where I live, work or ever go to ). This time Chase claimed the fraud was not in fact fraud & tried to lay blame on my fianc and I. We are both hardworking, honest XXXX in the XXXX XXXX, with XXXX XXXX XXXX and have been loyal Chase consumers on both personal banking and credit side for years. We have zero motive to commit any fraud, yet Chase has concluded that this was not fraud. They refused to look deeply into concluding that it is a fraud ( they didn't monitor the call that was made, look at XXXX from the branch in which the fraud occurred, compare signatures of whoever received the expedited card to mine or my fiance 's, or analyzed our banking history ) ... we were out {$2800.00} of our hard earned money which Chase and they had refused to refund due to their poor conclusion. We had, at the time, a mortgage to pay and a XXXX on the way, yet they do a half- ***** investigation and felt they have the right to hold our money hostage. After some XXXX and FTC complaints, their Customer Care team who handles those, was able to do a more thorough investigation and refund our funds sometime at the end of XXXX. During that time, my online access and all accounts had been locked, both debit and credit, had been locked [ my online access is still locked until I find time to make it to a branch, which has been difficult with a XXXX ]. I made some successful and some not successful attempts to make my Chase credit card payments during this time period [ recordings and call records should show this ]. The non-successful attempts were due to my account being locked and during these calls I would get tossed around from department to department, and sometimes due to the constraints of my lunch-break, would have to hang up. Long story short, I was able to make payments to my Chase Freedom card, but was unable to do so for the Chase Sapphire due to the lock and unsuccessful call transfers from Chase representatives. I was led to believe that until my fraud issues were resolved that I would not need to make payments due to everything being locked, but I still made this attempt and was successful with the Chase Freedom. I did not receive paper statements to my address, nor emails, and it wasn't until I was already over 30 days late apparently, that Chase decided to call me and finally process a payment. They made no attempt via phone call before this. This, furthermore, led to Chase reporting a 30-day delinquency to the credit bureaus for my Chase Sapphire card AND this sparked their Credit Services Risk Analysis team to lower my credit limits by more than {$10000.00}, affecting my credit score even more. This has been devastating to my score, especially in the midst of my fianc and I attempting to buy a house together before he XXXX. I was now unable to get pre-approved with him, due to the delinquency and reduced credit limits which dropped my score from XXXX to XXXX. All of this has been caused by CHASE. We made attempts to at least get a " Good faith adjustment '' to have the 30-day delinquency removed [ which is a huge factor in the credit score drop ], since I have been a good customer to Chase and never had anything negative. They were unable to do their due diligence to us and at least investigate the fraud portion [ which had already caused us a big financial burden both times ] or even check the call recordings or attempts to make the payment to that card. This whole debacle with Chase since XXXX on the debit side and now on the credit side has caused me and my family a lot of emotional distress. We are good, honest people and these banks just keep trampling over us. You would hope that even for a XXXX vet, they would make an effort. | ||||||
| 03/28/2023 | Yes |
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| I received my tax refund through a trustee after they deducted what I owe them in the form of a check. This is a court appointed trustee when I went into The bank with my check to deposit I made it very clear to them that I did not want to deposited into the account. If I cant find out if there is a hold going to be placed on the check, they informed me not to worry because they can put it through and if I do not like the the date that they give me for a hold if one is necessary then they can just reverse that transaction and give me the check back. That way I can go elsewhere to a check cashing store or to my other bank that I bank with the manager was right behind the teller when she said this and she confirmed it with him and so I felt that the information I was receiving was accurate. I deposited this check on the XXXX and I was given a hold time till the XXXX. I was fine with that. That would not be a problem. I look on my app on the phone and it told me it would actually be ready on the XXXX which was even better so I went home went to bed woke up the next day, and then I see that a new hold was placed on the check after it sent me a thing saying that the funds had been released and the hold was lifted now it said that the check was being held till the first of the month, which is longer than promised, which put me in a real bind because I had made an obligation and committed to it based on what the bank manager and the bank teller had promised me I understand that this is a larger check because it is my tax refund but I contacted someone with the deposits and whole department at chase bank and they informed me that they have to verify the check and that they have been informed by the banks that theyre dealing with that the check has a possibility that I will come back with insufficient funds which is crazy. I then contacted the trustee and let them know this and so he checked and verified that it had cleared on the XXXX the day after I deposited it, so I called back the bank and the Lady admitted to me that they have received the funds but theyre still holding it because I cant verify it and it makes absolutely no sense. The check is written to me. Its my tax refund I have all the proof of everything Ive had several deposits to this account through my employer, so theres absolutely no reason for them to do this to me. They have the money they just are holding my money hostage and keeping it, and theyre making money off of my money doing whatever banks do, and the fact that its been verified that this check has cleared. Makes no sense for them to not release it to me. Like I said, I was happy to have a next day availability date which showed up on my app but I wasnt promised it till the XXXX and I was OK with that and now that I havent committed to something now its gon na cost me XXXX extra dollars because I defaulted already on my promise and my obligation so Im very upset about this and theyre not willing to do anything about it and they said theyre just gon na keep that hold on till the first even though they have my money from the check presented. I dont understand how a bank teller and the manager can assure someone that their funds will be made available by a certain time only to not honor that I understand if it was a personal check, but this isnt this is a check from a court appointed trustee, and this is crazy and they receive the money its not like it hasnt cleared and The chase employee did not admit to me that they have the money that they did receive it. That was the whole reason for the hold was a possibility that it could come back. Insufficient funds now thats handled so this is totally crazy. Theyre stealing my money, basically for their own use as if it doesnt belong to me I need it. This is not right I worked my XXXX off all year and the only thing I can count on for a little bit of money to get a head and two put money down on something that isnt needed. Its through my tax refund and theyre playing games with me and refused to help me. Im not asking for money that is not mine. Im not asking for money that hasnt been received by them I understand if it hasnt cleared yet it cleared verified by the trustee and verified by Chase Bank themselves. How can they be allowed to do this? | ||||||
| 05/07/2018 | Yes |
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| Please note this is not a duplicate complaint, my complaint has been reviewed and is being sent to the company in question. I was instructed by CFPB representative named XXXX ID # XXXX on XX/XX/XXXX that this was the case and to submit another compliant so it can be processed and the status will show as pending.. This submission is the result of the instructions given to me. Re : Acct # XXXX. I wish to make a complaint against Chase Mortgage in regards to being given the opportunity to apply and receive a mortgage modification for my home that I have been in since XX/XX/XXXX. I have bend behind my mortgage for some time due from hardships with the financial collapse and, elderly relative that need care and finally my own medical issues with XXXX and XXXX XXXX XXXX. In late XXXX I received a letter from Chase indicating that they had opportunities for mortgage modification and other options, and the letter had instructions to contact them. I did contact them and they said they would send me out an application packet for a mortgage modification. I waited in for a couple of weeks but did I not get they packet. I became more anxious and called them and they said they would send out another packet, but also to my alarm they told me that I had a sale date of XX/XX/XXXX ( they never sent any correspondence about that ). I did not know this nor did they tell me that when I spoke to a Chase represented back in XXXX. So, the representative that was telling me this now said to definitely get the application back in 10 days before the sale date they just informed me of. I got the packet a couple of weeks later and gathered the l information they requested and sent in the packet XX/XX/XXXX by fax. I have the confirmation. Today I received a letter from Chase requesting for more information, so I called to find out what else they needed for the modification. I spoke to a representative that told me they were not going to review the packet, because of what I owned and how close it was to the sale date ( even thought I did send it in before the prior to 10 days as the previous representative had instructed me to ). I spoke to a who I belief was a supervisor but they said they were not going to run or process the application. Chase sent me the letter in XXXX encouraging me to reach out and apply for the modification and then they delayed in sending the documents out to me, but I still got them finally. They sent me a l setter from Chase requesting for more information, so I called to find out what else they needed for the modification. I spoke to another representative that told me they were not going to review the packet, because of what I owed and how close it was to the sale date ( even thought I did send it in prior to 10 days before the sale as the previous representative had instructed me to ). I spoke to a who XXXX belief was a supervisor but they said they were not going to run or process the application. Also during the conversation she even said that she was jealous of me getting a lower rate than her own mortgage, this was said his in a degrading way ( although chase never offered me the lo rate of 3 % she alluded to but instead always gave me a rate of over 7 %. ). Chase sent me the letter in XXXX encouraging me to reach to and apply for the modification and delayed in sending the documents out to me, but I still got them in one time. Now Chase is saying they will not even look at them, even though they reach out and said to apply, and in the meantime, they put a sale date in for the house. I am very frustrated as I want to able to get affordable modification to, pay my mortgage as I have no place to go and have been here for 20 years. it seems that although they have my paperwork they do not want to process it and would rather I lose my home so they can get it., they did not inform me of the sales until I called them, and they told me to send in paper work which i did, but they do not want to process them. it seem this happens way to often to minorities, the XXXX, and XXXX all of which I am. Please look into this matter so that I can get reviewed and approved for a modification before the sale date of my home. Thank you for your consideration, this is very important the familys survival. Thank you again. | ||||||
| 04/17/2020 | Yes |
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| My mother has an account with Chase Bank that I am a joint signer on. My mother passed away on XX/XX/2020. She receives multiple ACH credits to her account to include Social Security, XXXX payments, XXXX XXXX pay and VA benefits. Because she died on the last day of XXXX, I knew that all benefits credited to her account in XX/XX/2020 would need to be returned. I left all funds in her account, awaiting reclamation requests for all funds from the four agencies. XXXX reclaimed their funds on XX/XX/2020. A hold was placed on the account for most of the remaining balance on the account. Chase received a reclamation from Social Security that was dated XX/XX/2020. On XX/XX/2020 they debited {$1700.00}, the amount of the Social Security reclamation and sent me a copy of the reclamation and letter stating they had returned the funds. On XX/XX/2020 Chase again debited {$1700.00}. I thought this was a mistake and called the Chase Customer Service line to speak with someone about this. Considering the current situation with COVID-19, my local branch is not open so I was not able to visit my branch to sort this out. I was advised that the general Customer Service Center could not assist me with this particular request and was transferred to a different department. I believe this was a department specifically for electronic transaction issues. After speaking with someone and explaining the situation I was again told that this department could not help me either and was asked to call the general Customer Service Center line again. I stated to her that I did not want to be transferred back to them because they had already advised me that they could not assist me with this matter. She gave me two other phone numbers to try to see if I could reach a better department to address my issue. At one point I asked to speak to a supervisor at the call center and was told that no supervisor was available but that they could take my name and number and have a supervisor call me back within XXXX days. After speaking with a total of three different departments and spending no less than three hours trying to reach someone who could assist me, I finally made an online appointment with my local bank to have a representative from my branch call me to try and resolve this. I scheduled an appointment for XX/XX/XXXX at XXXX. I never received a phone call on XX/XX/XXXX. I scheduled another phone appointment for XX/XX/XXXX at XXXX and a representative did call me at the appointed time. I explained my situation and he stated he was not able to help me with this but that his manager might be able to. I was transferred to his manager and again explained what had happened. She stated that a mistake had not been made and that the funds they sent back to Social Security was for the XXXX payment and the XXXX payment. I advised her that this is not correct. Because my mother was alive the entire month of XXXX, the social security payment she received on XX/XX/XXXX she was entitled to because the XXXX payment was for the month of XXXX. The XXXX payment was for the month of XXXX. She died on the last day of XXXX so I knew the social security payment made on XX/XX/XXXX would be returned. She again stated that this is not correct and that she would not be able to help me. I tried to explain it to her again and she again stated that Chase had not made an error and that she could not help me.The only Social Security reclamation Chase received was for the XX/XX/XXXX payment, not the XXXX payment as well. As a last resort I called the phone number that is listed on the letter Chase sent me along with the copy of the reclamation. I have attempted to reach someone at this phone number multiple times and every time I call I get a recorded message that states the " debit card department is closed ''. When the XXXX and VA benefits are returned, this will leave my mother 's account overdrawn over {$1600.00}, because they have returned the social security benefits twice. The resulting balance of my mother 's account should be approximately {$60.00} once all funds are returned. I am unable to speak with anyone at Chase that can help me with this after multiple attempts over the course of multiple days. I feel I have no choice but to file a complaint. Thank you. | ||||||
| 06/08/2022 | Yes |
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| My siblings and I assist our elderly Mother with managing her affairs. Her checking account with Chase bank has been frozen since XX/XX/XXXX. She and I have spoken personally with several of the local branch personnel, including the branch manager, XXXX XXXX. In addition we have spoken with individuals at the " executive office '' including XXXX XXXX and XXXX XXXX. Numerous emails have been sent to these three individuals. Washington state XXXX XXXX XXXX received an allegation about financial exploitation by my siblings towards our Mother, presumably from Chase bank. The allegation was investigated by XXXX XXXX, and was determined to be completely unfounded. The results of the XXXX investigation were supplied to all of the individuals already mentioned, but the account is still frozen. We have repeatedly asked why the account was frozen, and no answer has been given. We had submitted my Mom 's XXXX document to the local chase branch in XX/XX/XXXX, shortly after my stepdad 's death which necessitated my siblings and me to assist our elderly Mother with her affairs. This document was observed by both XXXX XXXX and XXXX XXXX at the local chase branch. ( XXXX XXXX, WA ) In XXXX of XXXX, XXXX XXXX, a court appointed forensic accountant who had been tasked with tracing the financial transactions of my Mom and her late husband ( to help settle the estate for which there was no will ), requested records from chase regarding transactions completed by my stepdad. At that time, XXXX XXXX told me there was no record of any POA on file for my Mom. The XXXX document was emailed to XXXX, who would neither confirm nor deny receiving it when I called later that day. In fact, he wouldn't speak to me, but gave me a phone number for the executive office. I called the number and was told that this case was assigned to XXXX, but that she was gone for the day. I emailed the XXXX document to this colleague of XXXX 's, but did not receive any confirmation that it was received. I spoke with XXXX the next business day, and emailed her the XXXX document. Again, no confirmation of receipt. This all was in XXXX of XXXX. Then I received a call from XXXX XXXX, who told me she was investigating the account, and that she was placing a hold on the account. She did not give me the reason for the hold. I emailed her the XXXX document, and did receive confirmation that she had received it. In XXXX, I contacted XXXX and XXXX via email, to request that my Mom could pay her property taxes and her chase credit card using her chase checking account. XXXX authorized the local branch to issue a cashier 's check to pay the taxes and a withdraw to pay the balance on the chase credit card. In XXXX, the XXXX office contacted me to let me know that on completion of the investigation regarding financial exploitation, they determined the allegation was unfounded. I contacted XXXX and XXXX via email requesting that the account be unfrozen. XXXX replied that I would need to take the XXXX document to the local bank. I did that. The account remained frozen. I requested the account be unfrozen yet again, and was told via email from XXXX that my sister ( who is primary financial POA ) would need to go to the local branch and give them her signature. This was done. Still the account remained frozen. I went to the local branch with my Mom and her attorney, and we attempted to close my Moms account. Nobody at the branch would speak to us about this matter, but instead gave us a phone number to contact the executive office. The executive office hung up on us 3 times while we were in the lobby of the local branch. Finally someone at the executive office told us the account was no longer frozen, but in fact, XXXX checked on his computer, and the account remained frozen. On the XXXX phone call to the executive branch, we were told that the person we had spoken to who had said it was cleared up had experienced " a miscommunication ''. My Mom and I have visited the local branch two more times, and were unable to close her account, were unable to obtain her own cash, and were not given any reason for the continued freeze on the account, or direction as to how she could obtain access to her own funds. Chase has essentially stolen the entire checking account. | ||||||
| 11/05/2021 | Yes |
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| SUMMARY OF XXXX XXXX, 2021 CHASE BANK PHONE SCAM/FRAUD I received a phone call at around XXXX PST on XXXX XXXX, 2021 from someone claiming to be a representative from the Chase Fraud dept XXXX who explained that someone from Oregon had attempted two separate withdrawals of funds from my account. He assured me that the attempts had been thwarted by Chase. He then explained that the person from Oregon was attempting to XXXX {$2000.00} to herself and that Chase was on top of that fraud as well. He explained that because XXXX did not refund fraudulently obtained funds, that the way to protect the account was for me to XXXX {$2000.00} to myself. This would put the funds back into my account, the supposed Chase Fraud Rep said. While I was on the call, I XXXX the number that the supposed Chase Fraud representative was calling from, and it showed as a Chase Customer Service number. While I was still on the call, I had my husband use his phone to call the number. He did, and was connected to an official Chase Bank voice automated system. Now believing the caller to be a legitimate employee of the Chase Bank Fraud Department, I proceeded to follow the instructions, albeit with much trepidation. The ( fake ) Chase Bank Fraud Dept. representative instructed me to create a new recipient ( myself ) in the Chase app ( using my own phone number ) and XXXX myself {$2000.00}. I followed the instructions and sent the money to the new recipient ( which was me, using my own phone number ). After XXXX the money to myself, my account immediately showed a {$2000.00} reduction, not reversed. I questioned the representative, who eventually transferred my call to another person, whom he referred to as his supervisor. The Supervisor explained that it would take 3-4 hours for the funds to appear and that he would call back later or the next morning to check to make sure everything was back in order. The Supervisor called back two and half hours later ( around XXXX PST ) and proceeded to explain that another XXXX transfer was needed to fix the problem. He explained that the first Chase Bank Fraud Department rep ( the first scammer ) had made a clerical error when transferring the initial {$2000.00}, and that hethe supervisorwould make sure that clerical error was corrected on this second transfer. When strongly questioned by me, he assured me that this was, in fact, the way Chase Bank handled these issues, and he assured me he would stay on the line until with me until I was satisfied that all the funds had been recovered. I followed his instructions, XXXX myself {$2000.00} only to see another {$2000.00} disappear from my account. At this time, I became convinced the caller was a criminal, hung up, and reported the fraud to Chase and emailed their fraud department screenshots that showed the account activity from the scam as well as the scammers first names ( undoubtedly fake ) and one account number associated with the destination account for the XXXX transfer ( which, despite using the Chase Bank app to set up a transfer to my own phone number, did not send the money to me ). In my follow-up calls with the ( real ) Chase Bank Fraud Department , I was told that Chase Bank was unable to perform the recall request and had no option to reverse the fraudulent charges and that the bank was unable to continue as there was no option to perform a recall due to the fact that the transfer occurred with XXXX, a separate, private company ( which I will note here, is fully integrated into the Chase Bank app ). In subsequent discussions with Chase Bank Fraud Department supervisors, I was blamed for the fraud and denied a refund based on the fact that I had supposedly " initiated '' the XXXX transfers. I would argue that the person claiming to be from Chase Fraud Dept. actually initiated an unauthorized transfer by fraudulently inducing me into sharing account access information that was used to initiate the *truly unauthorized* electronic funds transfer from my account. In my follow up calls with the Chase Fraud dept., I asserted that Regulation E of the Electronic Funds Transfer Act covered this kind of scam, but Chase Bank never directly addressed that assertion, claiming only that there was nothing they could do. | ||||||
| 10/15/2019 | Yes |
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| Dear Sir or Madam, I filed this complaint that I faced a check fraud and I believe that the Chase bank is liable for my loss. Because from my point of view, the bank is liable for accepting a check that has been forged, altered, or improperly endorsed and the bank teller did not perform or exercise ordinary care and diligence in handling the transaction, I will elaborate the whole things as following : On XX/XX/2019, I wanted to sell my XXXX watch to an individual and he committed to offering {$11000.00} cashiers check to buy this watch, on XX/XX/2019, We met in Chase branch located in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, New York, XXXX ), in order to have my trust, this guy was along with me to deposit the check around XXXX XXXX. Because it was my first time to have the Chase cashiers check with large amount, I double confirmed with the bank teller if this is the Chase cashiers check and the check should be ok to deposit, the bank teller gave me the positive answers so I trust her professional, however, finally it turns out that it is obvious fake check because the account numbers in the check did not exist at all, in this regard, it has shown that the Chase bank did not exercise ordinary care and basic diligence in handling the transaction. Also, after deposited the check, the bank teller gave me the receipt and told me this fund will be available after four days, however, I just wondered why the wrong account numbers existed in the check but not any text, message, email or even a phone call alerts reached out to me ; afterwards, the weird things occurred, as a sapphire banking customer, I called XXXX at XXXX XXXX on the fourth day-XXXX XXXX, 2019, however, the representative told me that the Chase bank still holds the check simply because it was inconsistent activities, in the meantime, I asked her so have you collected the money from the paying bank? the answer from the representative was yes., it was the second time to show that the Chase bank did not exercise ordinary care and basic diligence in handling the transaction. Thereafter, I found there was message sent to my email box and it said there was a letter and I should log on the Chase official website to check, and it shows that my fund will be delayed to XX/XX/2019 but at that time, there was still nobody from the Chase bank told me the check was a bad check, at XXXX XXXX I called the XXXX and reached the customer services, this time the customer services told me that it was a bad check, I was totally confusing, and the weirdest things followed by after few hours, the {$11000.00} funds became available in my Chase apps and it can not see any difference from the regularly available balance. For the security purpose, I did not touch this fund and went to the closet Chase bank directly which located in New Jersey at XXXX XXXX and the banker in that branch confirmed it was a fake check and recommended to file the police report ASAP ( that guy who was along with me to deposit the check did not reply or answer my call at that time ), I followed his instruction and filed the policy report thereafter, I went back the Chase branch located in World trade center which I deposited the {$11000.00} check, the branch manager was also confusing with this issue, the fund credited to my account and showed it was available but the check was a fake one, if that is the case, where is this money from? I doubt that the Chase bank system and staff professional are not both perfect as advertising, I mean that from the beginning nobody noticed me that the check may have some problems and after four days, the first representative even told me that the Money has been collected from the paying bank, as if I did not call XXXX, I would think everything should be ok ( not any alert, bank teller as well as the representative confirmed and the available balance {$11000.00} was shown in the apps ) until XX/XX/XXXX or maybe later. From the stated above,, Chase bank in XXXX branch should be liable for accepting a check that has been forged because the Chase bank did not exercise ordinary care and diligence, which brought such a big loss for me, a high-value customer, I am absolutely the victim and I believe the branch should be required to reimburse the loss ; | ||||||
| 11/05/2021 | Yes |
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| On XX/XX/2021, at XXXX XXXX I received a text from XXXX XXXX asking if I approved a {$700.00} ATM withdrawal, I responded NO at XXXX XXXX, and I received a response saying that I already responded. I checked my Chase bank account immediately and there was a charge for {$2900.00} at USPS XXXX XXXX XXXX, XXXX XXXX, NJ, a {$700.00} ATM withdrawal at a Chase branch 10 minutes away from the Post Office located on XXXX XXXX XXXX, XXXX XXXX, NJ. There was also a check deposit for {$580.00}. I later found out this check was stolen. The fraudster likely deposited it and was hoping to take out the cash when it cleared. All 3 transactions occurred on XX/XX/2021. I immediately called Chase Bank to report this, make claims, and close my debit card. I also filed a police report within 3 hours. The most important part of this, however, is that my debit card never left my possession and I was in XXXX XXXX, NY at the same time the transactions were made in XXXX XXXX, NJ. I provided Chase with the police report, and 2 documents verifying that I was at work in XXXX XXXX, NY at the same time the transactions were made. Chase then notified me that they were denying my claims because the chip card and PIN was used for the transactions, they tell me that I authorized the transactions. I took off 3 days of work to spend time on the phone with Chase desperately explaining that there was no possible way I could have authorized the transactions because the debit card was in my possession the whole time in a different state. I spoke to countless supervisors, claims specialists, the fraud department and more. Every single person brushed me off and said I authorized the transactions and there was nothing they would do to help me. As a result, I began to do my own investigations to try to figure out what was going on. I find out that my mailing address associated with Chase Bank was changed to a XXXX address ( unauthorized, I never did this ) and Chase NEVER notified me, there was also 3 foreign sign ins into my account that I NEVER was alerted to ( meanwhile if I log in from my own personal device, I am sent a security verification alert ). The first 2 sign ins were on XX/XX/2021 and the third one was on XX/XX/2021 right before the transactions were made ( likely to check for available funds- which makes sense since I was left with only {$9.00} in my account after these transactions ). I went to Chase with this information, and asked if they sent a new card to the address, they told me there is no record of this. I also questioned how they allowed my online banking to be compromised, I got no answers. I also asked if they can pull footage from the ATM to see it wasn't me, but they continue to deny me and have went as far as accusing me of collusion. I also explained to Chase that I had never made a transaction at a Post Office before, I had never made a transaction in XXXX XXXX in my life, so none of this makes any sense! Please let me clarify again that I had the debit card in my possession in New York the entire time, I never lost it or lent it out and absolutely no one knows my pin number. In addition to my police report on XX/XX/XXXX, I am continuing to work with Detectives from the XXXX Precinct in XXXX XXXX, New York to look into this further. I am a victim of fraud and Chase failed to protect me in several aspects and should be held accountable. Chase now denies that they sent the Chase fraud alert, even though it was sent at the exact time and for the exact amount that was taken out of the ATM. As a side note, I looked online into forums where other Chase customers have had the exact same thing happen where they had their debit card in their possession but there was unauthorized transactions using the chip and pin and Chase does nothing to help, they tell their customers it is " impossible '' to duplicate a chip card even though it isn't and it happens. On top of my investigation with the XXXX, I am also looking to take my story to the media. No one should have to deal with this, Chase does not protect their customers and everything about this case is extremely fishy. I'm sure most people would imagine that I would not be going so far to escalate this if I was truly responsible for these transactions in any way. | ||||||
| 08/20/2017 | Yes |
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| On XX/XX/XXXX, while traveling abroad in XXXX XXXX, I was taken to XXXX XXXX XXXX by a taxi driver who unbeknownst to me at the time was part of a tourist scam. This tailor scam is unfortunately common in XXXX however I was unaware of this fact as it was my first time visiting the country. I was hesitant to purchase clothing because I would be traveling to multiple cities within the coming weeks, but the salesperson assured me that their company worked with thousands of international/tourist clients and there would be no problem sending items to/from the shop to ensure my satisfaction with the product. Upon receipt of the items a few days later, I immediately recognized that the items were not as promised. They had used cheaper fabric than those I had chosen and the items were comically too large for me. I immediately tried calling the merchant but there was no answer for the multiple days I attempted to reach them. I emailed customer service on XX/XX/XXXX requesting assistance with sending the items back for re-tailoring and followed up onXX/XX/XXXX. Upon my return to the U.S., I filed a dispute with Chase onXX/XX/XXXX. Two weeks later, I received a request for documentation. On XX/XX/XXXX, I submitted receipts, copies of e-mails that I had sent to the merchant, etc. I also e-mailed the merchant to notify them of the filed dispute. I finally received an e-mail response and the merchant requested my home address and telephone number to send a UPS label. I requested a self-addressed return label as I was extremely uncomfortable giving out my personal information to a business associated with a scam. I received no response thereafter, despite sending another e-mail to follow up. Since then, I contacted Chase on numerous occasions regarding this dispute. I was told that my dispute was closed because the merchant claimed to have sent me the UPS label ( which is clearly false since they did n't have my address ). After retelling my story to numerous Chase representatives, my call was finally escalated to a Chase supervisor who told me that as long as I had the merchandise in my possession that they could not re-open the dispute. The Chase supervisor told me to send back the merchandise with a tracking number and that they would re-open the dispute. Otherwise, there was nothing they could do for me. OnXX/XX/XXXX, I went to the post office and spent {$70.00} to ship the package overseas with a tracking number. I was forced to include my home address as part of the mailing process. On XX/XX/XXXX, I went in person to Chase to submit a written dispute and submit the receipt and paper documentation by fax per the instructions of another supervisor XXXX XXXX XXXX XXXX. The Chase branch representative faxed it that day and claimed he could not give me a copy of the fax confirmation because they used an electronic fax and the report contained other confidential information. I followed up in person again on XX/XX/XXXX and when the same branch rep. called, he was told that they never received the fax. Obviously, since there was no fax confirmation ( he claimed they were only available for 48 hours ), I had to drive all the way home to retrieve the documents to have them faxed again. I received a letter from Chase on XX/XX/XXXX stating that the tracking number showed " Attempted to deliver '' which proved that the merchandise had not received the merchant and therefore, they had to close my dispute with still NO RESOLUTION. Upon discussion with the post office, " attempted to deliver '' means that it was delivered to the physical location but no one signed for it. The merchant refused to accept the delivery, which is clear evidence that this merchant 's practices are unethical and dishonest. I was scammed out of {$600.00}, wasted countless hours on the phone with customer service and in-person at Chase locations, spent an additional {$70.00} on mailing the merchandise, no longer even have the merchandise and spent {$400.00} on this card 's annual fee ( the XXXX XXXX ). It 's UNACCEPTABLE that this so-called travel card charges so much for an annual fee yet offers little to NO protection or security for its cardholders traveling abroad. In addition, the absolutely TERRIBLE Chase customer service is appalling. | ||||||
| 11/03/2021 | Yes |
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| The mortgage closing process was a fiasco. It all started when I followed up on XX/XX/XXXX to make sure that my loan was closing on XX/XX/XXXX. I was told by XXXX XXXX ( XXXX ID XXXX ) that the Closing Disclosure was not signed on time. I told her the minute i received it on the XXXX I opened it. She also followed up with an email apologizing their system was down and that she just sent the disclosure. This issue delayed my closing until XX/XX/XXXX. I was furious that this happened and asked to speak to a supervisor. I do not remember the supervisor name but was told by him that the disclosure was sent Monday XX/XX/XXXX. I understand the law regarding 3 days for the disclosure but to be lied to by the supervisor was frustrating. During the Delay of the closing I incurred some additional expenses which I was told by Lending Manager XXXX XXXX ( XXXX ID XXXX ) to submit receipts of expenses and I would be reimbursed. Post Closing I was called by Sr Home Lending Advisor XXXX XXXX ( XXXX ID XXXX ) to talk about the closing. He also said to just submit the receipts and I would be reimbursed. Here is a major part of my complaint. He then proceeded to tell me that I would also be receiving a check for {$2500.00} for being a good customer and for the troubles I encountered. Immediately after the offer of {$2500.00} he also said I would be receiving a customer satisfaction survey and if I would not fill that out it would be appreciated. He stated that although it seems like it is the process you are reviewing it actually falls back on him so he would appreciate me not completing it. XXXX definition of bribe- " money or favor given or promised in order to influence the judgment or conduct of a person in a position of trust ''. After 2 weeks of not receiving my reimbursement or {$2500.00} check I followed up with XXXX XXXX to inquire where my money was. I was told there was questions regarding my expenses and that I would not be receiving the {$2500.00} check because I had no proof XXXX offered it, so my good faith money ( bribe ) was revoked. I was furious at this point and asked to talk to XXXX 's manager. I was forwarded to XXXX XXXX who identified at a regional manager. She told me my expenses were actually rejected but that she would submit them and approve them that day. She also stated that the {$2500.00} was actually a closing guarantee that Chase offered but my circumstances did not qualify for this, this was the first time i learned that I was not getting money for being a good customer but that it is a gimmick they promise to try and drive more mortgages. I then opened a complaint with the Chase executive office under the guise of XXXX XXXX 's office. I spoke with XXXX and opened my complaint. I was assigned a executive team member XXXX XXXX who would review my case. After 2-3 days not sure exact timeframe she stated my expenses would be approved and returned to me. I said I thought XXXX did that already and she said they were not but would be. I said at that point i would appreciate the funds be overnighted to me which she complied. I then actually updated my request to have them direct deposited into my chase account which she also complied with. To date I still do not have these funds. I also asked for the resolution to be emailed which I have still not received. I asked for this to be escalated to be reviewed further and XXXX stated that she is the highest a complaint can go. My wife called later that day and asked XXXX to speak to her supervisor and was advised she would receive a call back in 24hrs. It is almost a week and still no call back. More lies from Chase. I called to speak with another executive team member about my case and was advised that since i have an open case they can escalate it to the management team. So XXXX lied again when she said the buck stopped with her. Today I was told i would receive a call back from them but am not holding my breath. The continual lies to cover for other employees at Chase is sickening and some of these people are licensed to do this work which I am positive has ethical standards as part of the licensing. In addition this is a financial institution so all employees should be held to ethical standards and in my case that has not happened. | ||||||
| 12/04/2023 | Yes |
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| Over a year ago my then partner received a settlement for XXXX. He did not have a bank account so I agree to deposit two checks into my account and gave him the money to pay off his bills, which can be seen in the withdraws immediately after the deposit. A year later, in XX/XX/, my former partner and his lawyer got into a conflict over how much was promised for the settlement vs how much was removed and amount of lawyer fees were due. I'm not sure entirely what was all the circumstances of this conflict, as me and my ex partner have parted ways, but the outcome was that this lawyer and the insursnce company went to XXXX XXXXXXXX XXXX to chargeback my account in which XXXX XXXX XXXX required then to file a police report against me, which they did, though i have not been contacted by the police or the DA 's office about this report. So XXXX XXXXXXXX XXXX initiated the chargeback and my bank, Chase Bank charged my account for the XXXX, leaving my account with a negative balance of XXXX. Two days after the chargeback was done on got an email telling me to check my chase bank in app mailbox for important news. I followed the instructions sent and got a blank page. And then learned later that day as I tried to use my debit card and it was rejected. I called Chase and alln they would tell me is that I had 5 days to bring my account out of the negative or chase will close close my checking and savings accounts. they would give no other information. I have had that account for 35 years, not always under the chase name but the same account, and have been with Chase since they took over XXXX XXXXXXXX, so they have plenty of history with me to look back on and clue them that maybe a simple phone call would have cleared this up as I have absolute proof I did not commit any kind of fraud or theft proof being the individual would be seen with me as we deposit the check through the ATM, all the following withdraws back to this individual in the following 39 ; days after the deposit, and if need be I could have provided them with text messages from his phone that he received every last XXXX from me. A quick phone call prior to the withdraw would have cleared everything up, but a email two days afterwards to check some unknown mailbox in the app ( which I no longer have access to ) is just no acceptable for your customer of 35 years. Since they have wiped out all the money I had along with this charge back i wasn't able to pay rent and bills, all occuring fees for nonpayment and late fees including my two chase credit cards that they are now demanding payment on, but since my first priorities are to get caught up on rent and utilities first I haven't been able to pay them yet. And just to add to it, XXXX XXXX XXXX my credit card account with them for about 20 years now because of : return of an automatic payment, automatic payment account was closed, and because of adverse information on my credit history report ( which shows the debt to chase for this XXXX and my credit score has taken a dive ) all of which was caused by their improper charge back to my account, which again they initiated with out a single second of investigation. The only person that would listen to me at chase just said that it wasn't their fault, that I would have to sue my former partner to recover the money. Only problem there is that he did not know they were doing a chargeback and he has not seen a single XXXX of this charge back. His version of the story is that he did not say he didn't get the money he told his lawyer that he doesn't have the money as in he already spent it. Everybody I have talked to have concluded that in the end I will be the one owing this debt as the ex partner has absolutely no assets or job for me to go after, but has said if by chance he gets any money from this debacle that he would turn it over, but ss of now he didnt know any of this was happening, jes nit expecting any money and nobody knows or admits to having this money. I do know that my ex partner for sure doesn't have any of this money as his lawyer even told me that he hasn't been sent any money. In case you need it my former account number with chase or XXXX XXXX XXXXXXXX, I can send to you. Any help you can provide would be greatly appreciated | ||||||
| 07/29/2022 | Yes |
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| I opened a new Chase account in XX/XX/2022 -- in which I qualified for a {$220.00} cash bonus with a qualifying deposit. The qualifying deposit was received, and I eventually received the {$220.00} cash bonus. All is well. Well, on XX/XX/2022, I went to a chance branch in XXXX, NC to deposit a check I received for a security deposit refund and it was a nightmare experience. The check was placed on hold -- I was unable to access any of the funds ( not even the first {$200.00} that some companies offer ). The receipt indicated the funds would then be available on XX/XX/2022. I checked my account the morning of XX/XX/2022 and I see the funds in the account, however when I tried to pay a bill using my debit card, the payment kept declining. So I called customer service and to my surprise I was told my account was completely restricted and my debit card was cancelled. The lady proceeded to ask me extremely personal questions as to what the check was for -- to which I reluctantly explained and she had to call my spouse ( because her name was on the check as well ). We specifically both went to the branch to deposit the check to prevent any issues because I knew both our names was on the check but this was only my personal account. After going back and forth with the young woman on the phone I decided I was going to go to the branch to get this resolved. I went the same day XX/XX/2022 to the same location in XXXX. I complained to the teller about what the issue was, and told them I was going to close my account and withdrawal all my funds. She explained to me that that if I closed the account that bonus I received when I opened my account would be reversed and thus I would have the funds withdrawn from my balance. At that point I changed my mind, and decided to keep the account in order to keep my {$220.00}. I made a few cash withdrawals, ordered a new debit card, and went about my way. When checking the Chase Mobile App later that evening I noticed the {$220.00} cash reversal was still processed although I decided to leave the account opened. At that point I called Chase at XXXX and spoke with someone who claimed to be a supervisor and was on hold for about 45 minutes while she " looked into this ''. She didn't check back in with me once. It was hold music for almost 45 minutes straight. She explained to me that the reversal for the {$220.00} was just in a pending status and it would be released or refunded in 3 days. She did not sound too sure of this. So I asked her specifically asked her to document this on the account so I don't have any issues about this moving forward band she says " Yes XXXX XXXX it will be documented and all calls are recorded ''. Fast forward, to today XX/XX/2022 I checked my mobile App and see the {$220.00} reversal actually posted. No refund in sight. I called Chase bank at XXXX and spoke with an individual, explained the situation and asked if he saw notes about my conversation with the supervisor the day before. He stated no. I explained that was unacceptable especially considering this woman explicitly stated everything would be documented per my request, so I requested to speak with a supervisor. From then on I was transferred to XXXX with the Escalations team, explained the situation, he reviewed the account and stated he does in fact see the reversal posted even though the account is still open. So we are both in agreement with this and he seems to be the first person to understand the issue and what the simple solution should be. He proceeded to file a case for the issue with having my money refunded ( because the account is still opened ) and a complaint against the supervisor who lied and said she was documenting everything after a 45 minutes hold. The Teller, and the people at the bank were all nice and seemed to definitely want to get my issues taken care of but that " supervisor '' I spoke with on the phone seemed completely uninterested in a resolution for me which as a consumer and someone who works in customer service myself, the least she could've done was at least show some care and concern even if it was not genuine. That's customer service skill XXXX. Here are the case numbers I was provided from XXXX at Chase : Case # XXXX Complaint # XXXX | ||||||
| 03/14/2023 | Yes |
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| I made a transaction via XXXX on XX/XX/2022. It was a person-to-person XXXX transaction for {$150.00}. XXXX charged me a small percentage as a credit card fee. Then, I was informed Chase was charging me a {$10.00} transaction fee PLUS interest at a daily accrual rate. On my second attempt at resolution, Chase waived the fee but said there was no way to waive the interest except by making a full payment of my entire credit card balance ( around {$1500.00} ). Of course, I am not short the cash and would pay the balance, but do not believe this should be remotely necessary to negate predatory interest on a single, smaller transaction. I was never notified as a cardholder that 1 ) there were interest fees applied for XXXX transactions, 2 ) That XXXX transactions were classified as money transfers or cash-like transfers, 3 ) That there were transaction fees involved in XXXX transactions XXXX Again, I was never notified of these things, nor did I consent to them. Furthermore, in the written communication I received back after my initial complaint ( attached to this CFPB complaint ), the terms of the policy were incomplete via omission : " The cash advance fee is either 5 % of the amount or XXXX whichever is greater. '' Notice there is no dollar amount following the dollar sign in this quotation. I was charged a {$10.00} fee in this case. Here is more detail about why this is an unfair and predatory practice : " The cardholder agreement then defines " Cash-like transactions '' to include " person-to-person money transfers and account-funding transactions that transfer currency. '' That includes XXXX... .I guess? Chase never defines what a " person-to-person money transfer is. Is XXXX such a service? I have no idea, and I focus on this sort of credit card stuff. If I don't know what it means, who would? I don't think the least-sophisticated consumer is likely to think " person-to-person money transfer '' means XXXX. And given the card issuer 's failure to treat XXXX as a cash advance previously, it's all the harder to understand. UDAAP Violations? And this is the first problem here. The failure to clearly define what is a Cash Advance is unfair and abusive. It's unfair because it causes substantial harm to consumers ( {$10.00} x lots of consumers ) and is not readily avoidable ( how could I avoid it, as I don't know how a transaction will be categorized? ) and has no offsetting benefit to consumers or competition. It's also abusive because it takes unreasonable advantage of consumers ' lack of understanding of the costs or conditions of the product because the costs aren't clear because the consumer can not tell if a transaction is a Cash Advance or not. Likewise it is abusive because it takes unreasonable advantage of the inability of the consumer to protect his/her interests in selecting or using the product because if the consumer can not tell what the product will cost, the consumer can not make an informed decision about whether to use the product. ( One might also argue that the XXXX contractual drafting " materially interferes with the ability of a consumer to understand a term or condition '' of the product. ) There is ( of course ) an arbitration clause, so there won't be any private litigation about this practice, but one can hope that regulators will act, either as part of the supervisory process or through rulemaking. Reasonable and Proportionate? And then there's the problem of the outrageous fee level : a fee of the greater of 5 % or {$10.00}. It translated to a 50 % fee for me with a small transaction ( as most XXXX money transfers will be and the issuer surely knows ). The fee has no relation to anything in terms of risk. It's not competitively priced -- no one thinks card issuers compete on cash advance fees. And to add injury to insult, there is immediate interest on cash advances -- no grace period -- at Prime + 21.74 % ( that's ~28 % today ). Unfortunately, the CARD Act 's provision requiring certain to be " reasonable and proportionate '' does not seem to cover cash advance fees. ( There's a subsidiary problem of consumer reliance on the past course of dealingnot treating XXXX as a Cash Advance previouslybut that's more a contract issue than a UDAAP one. ) '' | ||||||
| 05/01/2019 | Yes |
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| On Sunday, XX/XX/2019, I was the victim of fraud. My debit card and associated account information was compromised and fraudulently used to initiate several unauthorized money transfer transactions, including the {$980.00} processed and posted XX/XX/19 by Chase Bank via the debit card ending in XXXX associated with my deposit checking account ending in XXXX. The transactions were acknowledged by XXXX XXXX as being fraudulent ( Fraud Case # XXXX ). Upon notice of the unauthorized transactions appearing on my account, I immediately called Chase Bank the same day ( XX/XX/19 ), specifically within less than two hours of the transaction taking place to stop the pending transactions from continuing to process and post. Chase failed to take any meaningful action upon my prompt notification and as a consequence served as a conduit for the fraudulent transactions to materialize. Furthermore, the fraud claim was negligently investigated and has resulted me with direct financial harm. Regulation E Consumer Protections Violated : When speaking to a representative from the Fraud Claims Department on XX/XX/19 around XXXX CST with XXXX ( unwilling to provide any other employee identifier ), I was informed that the claim had been denied as being unauthorized/fraud based on the information provided by Visa, no investigation occurred at the Chase. The information that was used to reach a conclusion was limited to confirming that the name and card information on the XXXX XXXX transaction matched mine. I do not see how this could be construed as a valid investigation. My debit card and account details were comprised so how absurd to understand that a team member of the investigations team considered that to be an adequate investigation. It was apparent the fraud investigator I spoke with lacked the competency, training and skills to complete an adequate investigation. XXXX XXXX acknowledged this fraudulent transaction was a transfer to XXXX where I do not have any nexus to. My sole history with using XXXX XXXX is limited to small dollar periodic transfers to a relative in XXXX. Chase has failed to conduct a reasonable, proper, or adequate investigation, as is required by federal law. Furthermore, when asked what I needed to do to appear or refute the claim decision, I was told there was nothing I could do beside file a complaint with my state regulator. I was not afforded the opportunity to review the documents used to reach the conclusion nor to refute the claim. Deceptive and misleading account features account agreement/Chase website Chase falsely misrepresents its Zero Liability Protection. The Deposit Account Agreement notes You are not liable for any unauthorized transactions, including transactions made at merchants, over the telephone, at ATMs or on the Internet, if you notify us promptly. I took prudent steps upon detecting unauthorized transactions and promptly notified Chase however am being held liable for fraudulent transactions perpetrated against my account. This has caused direct financial harm. 24/7 fraud monitoring did not alert me to several almost individual {$1000.00} transactions occurring against my account. The {$980.00} transaction part of this complaint was one of three transactions that totaled almost {$3000.00} within one day/short time frame. If I had not been vigilant of my account activity, Chases specialized tools to monitor fraud obviously did not detect the unusualness of these transactions back to back transactions. Deplorable customer service The fraud investigator indicated that nothing else could be done because Chase /Visa could not recoup the loss therefore I was not entitled to the final credit. In a matter of minutes, I was diminished to a fraud/financial loss of a financial institution rather than a consumer who had been a victim of fraud and wrongfully told the unauthorized transactions were valid. Ive been a loyal customer of Chase for more than a decade was until this experience prideful of being a Chase customer. The lost time, energy, and emotional stress in having to deal with this frustrating situation is unfathomable. Chase is not a financial institution I would recommend to anyone. My money can not be trusted at Chase and customers are not valued. | ||||||
| 09/17/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, my brother provided my name and number to a guy that was selling a top for my XXXX XXXX on XXXX. He found the guy in a private XXXX group for XXXX owners. The guy eventually called me to arrange for the sale. Because I assumed my brother had already vetted the guy, I was more comfortable making the transaction, but was still a little hesitant. I should have trusted my gut feeling. I proposed completing the transaction via XXXX because they are more secure, but the alleged seller suggested XXXX or XXXX. Since my bank, Chase Bank, offered XXXX and promoted it as an option for sending money, I assumed my bank provided the same protections as they did for fraudulent transactions from my checking, savings, debit card and credit card accounts. Because I was still a little hesitant, I offered to send half the money upfront and the other half once I received verifiable proof the top was shipped. The alleged seller agreed. Shortly after sending the alleged seller {$420.00} and confirming it was sent, I went back to the sellers listings and inquired about some other parts. This communication was via XXXX messenger as I originally communicated with the alleged seller by phone since my brother gave him my number. It was during the messenger exchange that it was discovered the top did not belong to the alleged seller and was not shipped as promised. I immediately contacted my bank to stop or recover the XXXX transaction. While on the on the phone with my bank, the seller texted me a tracking number and requested the final payment of {$420.00}. He began to call and text a few times while on the phone with my bank, but I ignored the attempts. After filing my fraud complaint and completing the call with my bank, I texted the scammer back and requested an invoice. He deflected and said there was no need to send an invoice because it was already shipped, and again requested the remaining {$420.00} of the {$850.00} sale price be sent to complete the sale. I then informed him that I knew he was a scammer, which he obviously denied. During that exchange he agreed to send me back the {$420.00}, but I knew that was never going to happen. This all happened within a 20 to 30 minute timeframe. While filing my claim with my bank I asked several questions, which revealed that even though I was a victim of fraud/scam, I would be provided no protections because I authorized the transaction. That is puzzling because I was still a victim of fraud despite the bank 's interpretation and what constituted their protections for me as a customer. I assumed that if my bank promoted services with XXXX, that I would be afforded protections against fraud. It was clear during the process of me filing the fraud complaint that me getting my {$420.00} back was more than likely not going to be the outcome. I am a victim of fraud and I feel like the bank should refund my money since the XXXX service they provided offers no options for getting the money back from the scammers no matter how soon you report the fraud. The bank should not offer the service if there are no remedies for fraud and offer no protections. I should be refunded {$420.00} and the bank should stop offering XXXX services if they can not provide protections to its customers or sufficient remedies for recovery. I have to wait 10 days while they investigate my fraud claim that they have already disclosed the likelihood of recovering my money is very, very low. XXXX also offered no resolution and kept me on hold for XXXX hours before I eventually hung up. XXXX made no attempt to collect any information from my fraud claim and said I should contact my bank, which I did before contacting them. The information the scammer used is below : Name used :. XXXX XXXX Email address used : XXXX Phone number used :. ( XXXX ) XXXX Also note : the email was verified by XXXX on the Chase website. One would assume that verification by Chase and XXXX meant the address was good and free from fraud, but that is the false security Chase and XXXX provides its customers. They make it very easy for scammers to operate and victimize its clients. I am more wise because of this very expensive lesson and hope my experience helps others avoid becoming a victim of fraud as I did. | ||||||
| 12/13/2017 | Yes |
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Web | Older American |
| I have a Chase safety deposit box. I have had the same for 21 years. I also have a checking account, savings account, home equity line of credit and an automobile loan with Chase. Yesterday I went to Chase to access my safety deposit box and could n't get in to it. My box is paid for every year in XXXX by funds being taken from my checking account automatically. My box is paid for until XXXX XXXX and would then be renewed automatically from my checking account just like it has been over the years since XXXX when I moved to XXXX Texas. I was told that I could not access my box and that it had been drilled and my contents had been emptied on XXXX XXXX, XXXX. I was not notified in advance about this nor was I ever notified about this since. I first found out about this on XXXX XXXX, XXXX when I went to the branch. XXXX XXXX who was at the safety deposit desk could not explain what had happened and could not find any records about what had happened. We then spoke with the assistant manager XXXX XXXX who tried to help but could n't explain what happened. I was told that it might have to do with fraud on the box with someone trying to get into my box. My contents were taken off premises from a box I had paid for during the term of my lease of the box. There was a lot of confusion as to what happened and there was no-one at the branch that could explain what had happened. They started to make calls off premises to try and get some answers. Again they could n't get a satisfactory answer at the time I was there. They were able to locate my possessions off site and asked me to sign forms so I could retrieve my possessions which I refused to do because I felt my right had been violated and I did n't want to give up my rights. I had to leave for a business meeting and was told I would be contacted in an hour. The branch manager had been out of the branch attending a meeting and could n't be reached and they could n't reach him by phone because they said he would n't answer the phone while out of the branch. After not having heard from the branch for several hours I placed a call to the branch but it went to voice mail. I called back and got through to the bank and asked for XXXX XXXX the assistant branch manager who had given me her card so I could contact her about what had happened. There was a pause on the line and a man got on the line who did n't immediately identify himself. I had to ask if he was the branch manager which he said he was. His name is XXXX XXXX and he was curt and abrupt in his response to me and told me I had been given erroneous information as to what had happened to my box. He told me that at some point I had been sent a letter by regular mail requesting information about the account I have had for 21 years and because I had n't responded to this letter that was sent by regular mail not certified to make sure it was delivered they could go in to my box and remove its contents and that if I looked at the lease I would see that this was standard procedure. I did n't feel this was an approbate response. As I have said I have many accounts with the bank and just the previous day I had been asked by the Chase site to go paperless because it was good for the environment. I responded in the affirmative as far as notifications and offers but I still wanted to receive my statements through the mail. I received and email saying that this would be done. My conversation with XXXX XXXX went downhill. I felt he was escalating the problem and I got more and more upset with him and his willingness to help me. I asked him for his supervisors name which he gave me as the regional manager her. Her name I was told is XXXX XXXX but when I asked for her phone number he refused to give it to me and told me the would be in touch with me when she could. I had a lot of valuables in my safe-deposit box. I was a XXXX XXXX and kept my XXXX XXXX and other personal things in this box. I was told that what they had done was acceptable and that just sending out a letter and not receiving an answer was enough to have them go and remove everything. I have also noticed a discrepancy in the forms I have received in that the records indicate that the box was drilled onXX/XX/XXXX but was witnessed on XX/XX/XXXX | ||||||
| 06/26/2017 | Yes |
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| On the night/early morning of Thursday/Friday XX/XX/XXXX/XX/XX/XXXX my debit card was stolen out of my wallet and replaced with another individuals debit card. The same individuals who performed the switch then observed me attempt to make a withdrawal at an ATM at approximately XXXX. It was at this time that the individuals who stole my debit card I believe obtained my pin number. I was notified by Chase bank via email and text alerts of suspected fraudulent activity shortly thereafter ( approximately at XXXX in the morning of Friday XX/XX/XXXX ). Unfortunately, I was asleep when these alerts were sent to me. Upon awaking on Friday morning at approximately XXXX, I saw the notifications and immediately checked my bank activity. It was then that I identified 4 total transactions that were not made by me, and also realized that the debit card I had in my wallet was in fact not mine, but another individual 's who I have never met before. I called Chase fraud protection at approximately XXXX to notify the bank of the fraudulent charges made on my card and immediately cancel it. I was then forwarded to the Chase Claims department and told them everything that I had identified on my bank account as fraudulent. Two separate claims were opened and I was told that I would be notified of the status of those claims via email once a " thorough investigation '' had followed. That same Friday, XX/XX/XXXX, I went to the XXXX Police Department to file a police report of the incident. I obtained this police report and have included it in the following pages. I then called chase bank on Saturday XX/XX/XXXX to get an update on my outstanding claims, and then to confirm that some information that had been revealed to me during my initial call on the morning of XX/XX/XXXX when I made my initial call to chase. This information that the chase representative revealed to me was as follows : an individual had called chase at approximately XXXX on the morning of Friday XX/XX/XXXX to increase my ATM withdrawal limit to {$1000.00} from {$500.00}. As phone records would indicate, I never made that call, but was instead the people who committed the fraud. This was not in the existing claims information the representative on the phone explained to me, so I stayed on the phone for close to an hour, to finally be told that I had to go into a Chase branch in order to continue the conversation. I then proceeded to go to a Chase branch and then spoke with an individual there, who then called Chase Debit Card fraud protection to continue my conversation. At the end of the conversation, the individual confirmed that this evidence was now added to my outstanding claims. In the afternoon of Monday XX/XX/XXXX, I received an email from Chase stating that they would not be crediting my account for any of the fraudulent money orders that were made. This is approximately 72 hours from the time that the fraud was reported. At this point, the police have not even had ample time to look into video surveillance, ATM transactions, etc. which I was going to provide to Chase the second that I were to receive correspondence from the authorities. The transactions that chase is denying to credit my account for were three money orders/travelers checks in the early morning of Friday XX/XX/XXXX, each for the same amount of XXXX for a total of {$2700.00}. The fourth transaction was for an ATM transaction for {$500.00} at around the same time. I am writing this complaint for the fact that chase did not even wait to hear back from the police investigation, surely did not do an in-depth investigation as they had their conclusion in under 72 hours, and did not even reach out to me for any further information. The fact that all of these transactions are 1. Completely out of the ordinary of any activity I have ever had while banking with chase, 2. Drained my entire bank account, 3. There was a phone call made to chase to increase my atm withdrawal limit which I have never done in my life ( this request was in fact denied ), 4. I confirmed that there are surveillance cameras in use at the suspected ATM they used according to my bank statement ( " ATM State/XXXX XXXX XXXX, IL ) and they did not even wait for that surveillance evidence to come to them. | ||||||
| 11/23/2023 | Yes |
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| Im writing this complaint about what seems to be a predatory practice of Chase Bank ( JPMCB ). Chase refuses to allow me access to my funds. After spending hours of calling and trying to rectify the issue, I still do not have access to my account. Chase claims that they allegedly cant confirm where the money is coming from and I, the customer, have to verify where the money comes from even though it says the company and is a chase bank account ( according to the company that processed my check ). They want me to give a number, which I dont have legal access to. So, here is the full rundown of what happened. On XX/XX/XXXX of 2023, I received a check from XXXX, owned by XXXX XXXX, for an insurance claim for the amount of {$2000.00}. My storage unit was broken into and I was compensated for it. Later that day, I traveled to XXXX XXXX to cash my check. I reopened an account that was once closed. They removed the restriction from my account. I decided I was going to cash it in the actual branch in XXXX XXXX on XXXX XXXX beside XXXX but decided against it once the banker ran the check and said it would be held because it was a being shown as a new account. She reversed the deposit and stamped it with a reversal stamp. I then took my check and called other banks about their check cashing process. Once I realized they had similar processes I deposited through the mobile app because I was on a time crunch. My check was accepted. And I patiently waited for the funds to be released I on the XXXX of XXXX. Well, on that day I received the funds and tried XXXXXXXX XXXX car seats from XXXX and it was declined. I spoke with the same bank on XXXX XXXX and they told me my account was restricted and that I needed to verify a phone number in order to have access to the funds. I continued to try to contact the company that owns XXXX but have yet to actually get in contact with the owner. I spoke with the person who processed my claim, also a worker for XXXX and personally knows the owner, and he said that the account the money is coming from is an Account with Chase Bank. He gave me the information of the banker that works at Chase that they could contact and verify. They refused and still want the number of the Owner. The person who processed my claims said that he can not Legally give me the number of the owner. I understand him completely. He insisted that the funds are coming from a Chase account. And if so youd think that they would know who XXXX XXXX is? They continue to claim they dont and cant verify. Others say because it isnt registered to me, but it has my name on the check. One customer service rep told me that its because of the reversal stamp on the back. Another said that they dont have XXXX in their system even though the funds are coming from an account with Chase that XXXX has. Its predatory. They continue to tell me that they can not talk to anyone at XXXX. And that the numbers given arent the owners, but I have no access to him. One representative said that the number wasnt SafeLeases number and said it was XXXX and XXXX XXXXXXXX isnt correct. They continue to give me the runaround because they know that Ill never have access to the CEO and OWNER. I was a victim of theft and now feel as if I am becoming a victim of predatory banking practices. I read where others said this same thing happened to them and the money occurred interest and interest was not received after waiting months to get access to funds. Im not saying that chase is responsible for them not receiving interest. I just hope that it isnt predatory. They continue to jerk around working class people who are just trying to get by and care for their families. I once thought that Chase bank was a great bank for working class people, like myself. Upon further review and my current experience? They are not. I fear that I may be out of more money and into even more debt if this continues and I have to contact a lawyer for legal counsel. There are a lot of talk about people wanting to start a class action lawsuit and its disheartening to see things happen this way. Many of us are facing being unhoused, medical debt, and other financial issues. Were just people who want their money. Chase isnt making it easier with this practice. | ||||||
| 12/28/2022 | Yes |
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| Please note that the following statement is in reference to Chase Bank Checking Account # XXXX. I XXXX XXXX XXXX, am the owner of this account. I look forward to the help provided by this entity! My purse, including my wallet containing identification, social security card, birth certificate, Chase Bank card and another bank card, was stolen days before I was XXXX in XXXX XXXX XX/XX/XXXX. A few check deposits were made into my Chase acct by my mother who had power of attorney for me. When I was XXXX I expected to have this money in my account but turned out to not be the case. I immediately contacted Chase Bank to inform them that these transactions were not made by me and also dispute every transaction that had been made on my account from XXXX XXXX. A provisional credit was applied to my account on XX/XX/XXXX in the amount of {$110.00} for the disputes filed on XX/XX/XXXX. A few days later the status of my claim showed denied and closed. Immediately I called and spoke with Chase Bank asking the reason for a denial. The representative was extremely rude and accused me of lying. He informed me that the decision was made because not every transaction was filed under one dispute claim and that there were others during the that time frame that were not disputed at all therefore my claim was inaccurate. Transactions that were not disputed were fault on Chase Banks end because I did tell the very first representative I spoke to about all of this and that every transaction from this date to this date were not done by me, which I explained to the guy. He did nothing but continue to argue with me and state I was lying. I asked for his name and Id and to please speak with a supervisor. He hung up on me. I was extremely frustrated at this point and called Chase Bank to resolve this issue and explain things to hopefully a representative that could and would help. I was told the same thing by every representative and was denied the opportunity to reopen the claims. On XX/XX/XXXX a dispute was made on the remaining transactions that had been left out. The representative was very helpful and told me if I had any documentation to support these disputes fax it in 3 separate times for each dispute and that this issue would be resolved. I faxed in a cover letter including name and dispute number along with the county letter starting XXXX dates. I called on Monday this week and the representative was very helpful!! She said the documents hadnt been applied to disputes yet to check back in a few days to confirm. She also said that she didnt know why he claim for {$2100.00} was closed out because no investigation showed to be completed fully on it and it seemed to her that whomever chose to denied the {$79.00} claim for inconsistent information automatically applied that it the first claim as well but not to worry because the supporting documentation would give enough evidence to reopen and resolved as they should have in the beginning. I called back again on Thursday to check the status of my claims only to be told the same thing I had been told about the reasoning for denial, etc., my dispute claimed were unable to be re opened due to inconsistent info, etc and they were sorry they werent able to help. I asked to speak to a supervisor in hopes he/she could do more in helping resolve. I was told there wasnt any supervisors or managers available. I told her Id wait on hold and I also asked if I could request a call from any hire up that became available, I was told no option for that would be available. Chase Bank reversed all provisional credits on that had been applied to my account on XX/XX/XXXX due to the claims being denied. I feel this is unfair and unethical. And I am certain that nobody in my shoes would be okay with nor choose to settle if this were their bank account. Right is right. Wrong is wrong. Banks are FDIC insured for a reason. Thank you so much for your help in resolving this matter. If you need any further information or details from me, please dont hesitate to reply to this email or feel free to call me as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank XXXX XXXX XXXX | ||||||
| 11/09/2017 | Yes |
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| On Monday XXXX XXXX, XXXX, I walked into a local Chase branch off XXXX and XXXX XXXX to deposit a check that was endorsed over to me. I ask the teller how long will it take for the funds to be available and she told me that the funds would be available on tomorrow, XXXX XXXX. Later that day I tried to make a purchase for {$5.00} and was denied and was that I had insufficient by a cashier for the amount of {$5.00}. I immediately called and spoke with a XXXX with Chase and was told my account was in question and they had to freeze it. I politely asked the customer service supervisor can she just release my funds that was available prior to the check being deposited and I was to no. I begged and pleaded that I have bills to pay and food to purchase for my family. With no regards to my situation and constantly being interrupted by Ms .... I was told no again and again. I even asked her to quit raising her voice at me, she became irate because I was merely asking why my hard earn money was in question and not available. The following day I went to make a small purchase after receiving a text alert informing me that the check had cleared and the deposit was available. I went to make a purchase around XXXX a.m. and was declined again. So I called Chase again and asked for a supervisor in loss prevention and was told my funds and check is in question so there is a hold on the entire account. I explain to her that I just receive a text alert and I call to check my balance over the phone and the fund were available and that that the checked had cleared. I was told if I needed money I should go back to the branch for a cash withdrawal, so that is what I did. I went back into the branch where the deposit was made and spoke with the branch XXXX to please explain the situation. She called some higher than her and was told I needed to identify myself with a proper form of ID, relieving Chase bank of any and all liabilities concerning the check in question. After about XXXX hours of waiting on a confirmation I was then able to receive a small withdrawal of my money not relating to the check. Thus the funds was still in question. This is when I felt discriminated against and made aware to the branch XXXX this is unjust, unfair and embarrassing. The funds have been cleared accordingly to the alerts and Chase voice messaging system. Please let me have my money so I can please just leave, I begged. She proceeds to tell me its not her doing its from the higher ups/investigators and out her control. I was given a small amount of money, with no questions answered and left quietly. The following day on Wednesday XXXX XXXX, I again received a text alert informing me that the check had indeed cleared and that the money was available. I called the automatic voice messaging system and the amount was available, the same as the day before. I went to pay my storage unit and again my card was declined, this brought about more embarrassment, anxiety and fear. I immediately call to speak with a supervisor in loss prevention and she told that my account is in question and so is the check. I explained to her my account is good and have been for over 10 years. I have a been a loyal customer and no fraud has ever been linked to my account or ever deposited fund that was in question. She followed up and tells me that Chase have the right to close any account for any reason and that a my account has been closed since Monday XXXX XXXX told her this is impossible because I deposisted a check on the Monday and withdrew money for XXXX days proceeding that. I have checked my account everyday since Tuesday XXXX XXXX and my funds have been available but Chase is NOT conducting themselves accordingly, professionally or ethically. My family and well being have been put through a lot turmoil, fears and anxiety of due to unprofessionalism with Chase upper management team. i.e Customer Service, Branch XXXX, Loss Prevention, I have yet to receive any reason/explaination as to why I am being discrimated against, embarrassed in front of my peers, accused of false accusation and questioned about my character. I have documentation, names, account information relating to this matter. please help me resolve this information | ||||||
| 02/22/2019 | Yes |
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| On XX/XX/XXXX I had my wallet, cell phone, and everything I had on me stolen in XXXX XXXX, LA. The thief was able to get into my phone and access my mobile banking app. Within the app the thief was able to access all funds in my Chase checking and savings account. I had roughly {$8500.00} in the account. The person who had my wallet was then able to spend all the money in my bank account. The next day I went to Chase, changed accounts, passwords, pin number, etc and submitted a claim to the Chase Claims Department with the help of a Chase branch representative. A few days later the funds were returned to me. About a week later I received mail from Chase stating they were reversing all of the funds in my account. The reasoning for this was that there were no incorrect pin attempts and a lifted travel restriction for the purchases made XX/XX/XXXX. After talking with the claims department they stated that I needed to submit supporting information that I was the one that did not make these charges. They said a police report and a note from work saying I was in a different state at the time would be good supporting documents. Being in Kentucky, I had to wait a few weeks for the police report from the XXXX XXXX police department. Factor in the winter holidays and it took almost a month before finally receiving it. In the meantime I had checked chase.com and noticed three unauthorized Chase Mobile App log ins from my stolen cell phone. After talking to a Chase employee, I was able to confirm that the day my cell phone was stolen there was a mobile app log in where my travel restriction was lifted ( reasoning for denying the claim ). I then went through my cell phone carrier and got a call log from the same day the phone was stolen. On XX/XX/XXXX there were 8 phone calls from my stolen cell phone to the chase fraud department totaling 56 minutes. This is 56 minutes where the thief was able to impersonate me to employees of the chase fraud department. I believe the thief was able to access my social security number through my cell phone and with access to my mobile app and debt card, was able to trick the chase employees to thinking he was me and changing my pin number. All fraud on my account was committed after these phone calls had been made. I was finally able to get the signed police report from the XXXX XXXX Police Department and submitted my supporting information. This consisted of the police report, note from work confirming I was in a different state, a print out of unauthorized mobile app log ins from chase.com accessed on a stolen phone, and a call log of unauthorized phone calls to the chase fraud team on a stolen phone. I submitted this information on XX/XX/XXXX, three days later, two of my three claims were approved and my account was credited the funds. These two claims were worth approximately {$8000.00} combined. I did not hear back from the third claim for a few days and decided to reach out to the Chase Claims Department. They stated that the third claim, worth about {$500.00}, was not linked with the other two claims and I needed to submit my supporting documents again. I returned to my local Chase branch and submitted the same exact supporting documentation for the third claim. About 10 days later I received mail from Chase saying my third claim was denied. Confused, I called the Chase Claims Department and asked why. They stated the same reasoning for the original denial, no incorrect pin attempts and the lifted travel restriction. I am confused on how two claims ( worth {$8000.00} ) can be approved but a third smaller claim can be denied with the same exact information. The employee from Chase then told me that the claim was officially closed and could not be reopened without a subpoena from the XXXX XXXX Police Department. I was also told that I am not able to see what happened during those 8 phone calls without the same subpoena. I have been getting daily phone calls since from the Chase collections agency stating that if I do not pay the - {$500.00} in my account that it will go against my credit. I believe Chase is withholding money from me and not taking proper investigation into their fraud situations. They are not there to help the customer. | ||||||
| 08/02/2023 | Yes |
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| On XX/XX/XXXX XXXX fraudulent withdrawals were made in small amounts from my account totaling in {$1200.00}. Chase reached out to me by text, phone, and email that day warning of fraudulent activity and I confirmed with a representative over the phone that the withdrawals were fraudulent. As of today, XX/XX/XXXX Chase 's investigation concluded that these withdrawals were not fraud claiming " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' I dispute this conclusion as these withdrawals were not made by me. Additional details follow : I was in my apartment when I received a phone call from a number that appeared to be a local Chase Bank. The phone number was XXXX XXXX XXXX XXXX XXXX ( see attached screenshot ) and they claimed to be with Chase Fraud Prevention. During the phone call they accurately listed my last four transactions on my checking account and then asked me to verify a charge I had not made. I told them this was a fraudulent charge and they proceeded to send a text message with a verification code and collect my information including my ATM pin number. It was during this phone call that 10 fraudulent withdrawals were made in small amounts from my account totaling in {$1200.00}. During the phone call, I received an email from Chase ( see attached email ) saying my Chase Card had been added to XXXX XXXX. I did not add this card to my XXXX XXXX XXXX and at no time did it appear in the digital wallet associated with my XXXX XXXX. Speaking with XXXX XXXX, they have no documentation of the Chase Debit card being added to my digital wallet and it is not listed under previous cards associated with my digital wallet. See screenshot of previous cards attached to my wallet. When the fraudulent withdrawals were made I received an email from Chase Fraud Protection ( see attached email ) warning me of fraudulent charges. I selected the no something is wrong button in the email and proceeded to speak with a Chase Representative describing to me the unusual nature of multiple small amounts being withdrawn from my account and I confirmed these withdrawals were not made by me. The representative then stated they closed my account and removed my card from an XXXX XXXX ( which was not associated with my XXXX XXXX XXXX ), and told me that the charges were pending and would be reversed. However, the charges were not reversed. When the charges had been posted to my account the next business day, I called Chase back to check on the status of my account. The representative informed me that the paperwork to flag the charges as fraud had not been processed correctly and the claim had not been opened. I dispute Chases premise that the charges were authorized, given the sequence of events stated, the attached evidence, and the legal definition of unauthorized Electronic Financial Transactions. Under the ruling from the Consumer Financial Protection Bureau, Regulation E states that : An unauthorized EFT is an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Unauthorized EFTs include transfers initiated by a person who obtained a consumers access device through fraud or robbery and consumer transfers at an ATM that were induced by force. On XX/XX/XXXX, the Bureau further clarified regarding the unauthorized transfer and error resolution provisions under the Electronic Fund Transfer Act and Regulation E, including situations when a consumer is fraudulently induced by a third party to provide their account information or private network rules conflict with the regulation. This definition applies to the 10 ATM withdrawals totalling {$1200.00} made on XX/XX/XXXX, defining them as fraudulent. They were made by a malicious actor who did not have authority to make the withdrawals from my account. They fraudulently induced me into providing account information and verification, which is protected under regulation E, and therefore I am entitled to a recovery of my funds. With this information, I dispute the denial of my claim and reassert that these withdrawals were not made by me. | ||||||
| 05/08/2023 | Yes |
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| On or about XX/XX/XXXX I noticed fraudulent charges on my husband, XXXX XXXX, debit card that dated back approximately 2 weeks or less. On XX/XX/XXXX, {$370.00} was fraudulently charged to my husbands debit card, from various out of state venues, the bulk being XXXX XXXX in Tennessee. My husband and I have never been to Tennessee and haven't even been to the movies in a few years.I called Chase immediately and reported the charges. While speaking with the agent she entered all of the charges and then asked if I was sure that was all. I said maybe I should look back further and she encouraged me to do so. I found a few minor charges from a company that I did not recognize of less than {$8.00} each that were from XXXX and the rep said she would add those even though I said at the time that I wasnt even sure about them. I have never filed a claim for fraudulent charges and thought that if they were real charges they would just be ignored. They were such a minor amount that I had thought they were a minor purchase my husband had made and there was no fraudulent activity anytime soon after that that would have led me to investigate further. The money was credited back to my account but a few days later they were all debited again. Not only was the total of {$370.00} charged again, but additional charges of {$110.00} - again, mostly from XXXX XXXX in Tennessee were added as well. These had posted a few days AFTER I had reported my husbands card as compromised. I immediately called Chase and was told that because those 2 charges of less than {$8.00} were included, that ALL the charges were reinstated due to the fact those 2 minor charges were over 60 days old. I asked if I could just refile the current charges and I was told no. In addition, I was told that the charges that posted a few days AFTER I reported the fraud were my responsibility as well. I explained the circumstances that I have previously explained in this letter but was told it is policy. I worked my way up the chain, and was told time and again that it was policy and it sounded as though the agents were reading from a script as they said exactly the same lines over and over. I went to my local branch and they were very nice, and also seemed surprised at the circumstances but after calling the main claims department on my behalf were again told it was policy. I then filed a claim with the XXXX, and received a call from a Chase employee who was trying to help me resolve this issue. Although she was very nice and I believe she was genuinely trying to help, I was still told that the claims department said this was once again, their policy and Chase would not reconsider my case. I shared with her that this was my husbands debit card and that he was on XXXX and suffering from a currently incurable form of XXXX and neither of us might be as on top of minor charges as a result of the ongoing stress that this entails. She advised that I call the claims department again and let them know because there are exceptions for medical issues. I called Chase on XX/XX/XXXX, and spoke to a few different people explaining my husbands medical condition as I hadnt realized that there might be an exception. They reopened the case after I provided medical documentation regarding his condition but a representative subsequently left a voicemail saying, .. just because he is ill doesnt mean that we will make an exception. I sent another letter on XX/XX/XXXX, letting them know that the early minor charges I had though MIGHT be false turned out to be legitimate and I thought they would have investigated and found this to be the case as well, but I heard nothing back from them. This alone delegitimizes their excuse for not reimbursing me, not to mention all the other circumstances involved in this case, but again, no response. I will be glad to forward all correspondence and voicemails upon request. It is my belief that Chase has engaged in unfair practices for a number of reasons that have been described in this letter and I am hopeful that the Consumer Finance Protection Board can help me to receive fair treatment as well as helping to prevent this type of thing from happening to others in the future. Thank you for your consideration. | ||||||
| 05/11/2021 | Yes |
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| On XX/XX/XXXX, I received a deposit from XXXX in the amount of XXXX. I received this through a loan I qualified for as a sole proprietor. As a sole proprietor, in the state of Texas, you use your social security number. I did not have a business checking account because I did not know it was required. I go into the banking center and speak with a teller to get a cashiers check so that I can deposit some funds into my other account with another bank and she immediately tells me my account is flagged and will probably be frozen. She said I could not withdraw my funds and the bank will probably want to see some type of document showing that this money was due to me. I find this very odd coming from a teller ( I use to be a teller at XXXX XXXX XXXX for XXXX years and I know this is not normal practice ) and also because I had just used my account for coffee prior to coming into the banking center. When you are speaking with a customer using terminology such as probably it is very alarming to me. I get the document she told me to get and return to the bank later that day. The personal banker says he cant help me right now I will need to make an appointment, so I leave and come back at XXXX for an appointment with him where he gives me his word he will get this taken care of for me. I give him the document and he looks over my account. He says we need to call the fraud department. He says hes seen this happen before to some customers but with the document I provided everything would be fine. He said the fraud department literally has no idea what they are doing but he will get it fixed. We call the fraud department together while sitting at his desk and the representative explains the hold is because this was a business deposit into a personal account. He says all I need to do is send the proof and he would unblock my account. We verified with the representative that I was providing the correct document and he agreed. The personal banker faxed over my information and said he would call me in two days to let me know that my account is unrestricted and that I could come and withdraw all of my money. Several days go by and I did not hear from him. I did not hear from anyone. I did not receive any notification on my account. I did not receive a letter explaining what was happening to my account or anything of such. I got an email saying my account would close soon and I could login to see the details of the letter. Of course my account is locked so I am unable to access my online banking and havent been able to access my online banking since XX/XX/XXXX. So I am not being provided with the information that is my right to have. I call the fraud department again and ask about my account. The representative I initially spoke with said my account was in closing status and I would receive a check. I told the representative that I needed the money now and asked If I could go into the banking center and withdraw and she advised that I should be able to but she cant guarantee it. How is it possible that you cant tell me if I can or can not withdraw my money from my account? I call back and speak with another representative who informed me that what I submitted was incorrect and I need to submit different documentation after being advised by the bank on multiple occasions that what I was submitting was correct. The representative said I could not withdraw my funds even though I was just advised that I should be able to by another representative. The 2nd representative also informed me that I would be mailed a check within a few business days. It has been well over 16 business days and 22 calendar days and I havent got a check, a letter, a notice for action or anything. I have not been treated fairly by Chase in the slightest bit and no one has the right answers. All of my bills have been returned and I have no money. Its fine that Chase chose to unfairly close my account, but its not okay to keep my money. This is definitely discrimination because I personally know many people who have gotten a similar loan deposited into their personal account with no issue. I was never once offered the option to open a business account. I was treated like trash since I walked into the bank on XX/XX/XXXX. | ||||||
| 02/06/2023 | Yes |
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| I have a new complaint related to a complaint that was previously filed by myself and was considered " closed '' once the company in question responded to my complaint. The problem is that I believe the Bank does not see the large picture. As stated, I have attached a copy of my complaint to you, dated XX/XX/XXXX, and the Bank 's response, dated XX/XX/XXXX. I am also attaching a copy of a separate letter I received from the Bank in question along with an attachment, dated XX/XX/XXXX. I received the Bank 's response directly on XX/XX/XXXX. Since this date was a Saturday, no one could respond to my calls/emails this weekend. Because Chase is either purposely ignoring the more significant part of my complaint. I don't see how that is possible between all of my correspondence with Chase Bank and what I perceived as a fair depiction of the issue in the original attached complaint, which is why I believe I need your help once more to serve as a go-between to help Chase comprehend precisely what I think where the issue lies and what I need Chase to do to remedy this situation. To briefly summarize the situation, I initially found approximately {$200.00} in fraudulent charges on my Chase Visa Credit Card. These charges were made between XX/XX/XXXX and XX/XX/XXXX. I called the Bank on XX/XX/XXXX ; the day said the discovery was made. The Chase representative not only reported the transactions occurring on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, through XX/XX/XXXX. While filing a fraud report on these charges, the representative also offered to go through my history to see if there were any other charges of fraud which is when I learned that were additional fraudulent charges dating back to XXXX XXXX. The representative and I went through every order and reported each as fraud. I had to follow up on this claim orally and in writing daily. I was told each time I would " immediately '' receive provisional credits for all charges, including the interest owed to me. Nothing happened because Chase kept providing me with false reassurances ; finally, after filing this complaint with you on XX/XX/XXXX, I suddenly received a provisional credit of {$210.00} and a few new credit cards days later. I was confused by this amount, but since I hadn't received a complete response from the Bank, and was told by one of the many representatives I spoke with at some point in XX/XX/XXXX that the total of the fraudulent charges was more in the neighborhood of $ XXXX. I have attached to this complaint not just the Bank 's XX/XX/XXXX letter and attachment but also screenshots of my account, which appear to show that the XXXX XXXX XXXX charges were reversed. However, I have yet to see the credits in my account ; I added up all costs that the Bank attached dating from XXXX XXXX XXXX ( which I do not believe includes all of the earlier fraud charges ), which, as I have counted are in the realm of {$150.00}. The amount of the XXXX XXXX XXXX charges is over {$200.00} ; there was additional fraud activity on XX/XX/XXXX, and XX/XX/XXXX. Thus, what was the {$210.00} credit for exactly? Is that from the two days of attached charges, along with a few months of interest? And where are all the other fraud charges reported? I believe the company continues to evade this issue because of my XXXX status and their belief that I am unable to comprehend somehow what is happening and thus, offering me some " token '' payment with no explanation as to what that amount represents and even though I have clearly stated over and over again the facts behind this complaint. I have a physical XXXX, not a mental XXXX. During this temporary period of XXXX, I had to give up my profession as a XXXX XXXX, a position I have held since XXXX. I am currently testing whether I can go off XXXX within the next few months. This outstanding issue prevents me from spending time in XXXX XXXX, working on my XXXX, and speaking to headhunters. My usual billing rate was $ XXXX $ XXXX. If I have to wait until healthy enough to sue Chase Bank, which I will due, they will owe me a lot more money for the time I've spent trying to fix this issue ( I've kept track of my hours ) than the de XXXX amount that the Bank refuses to credit to my account. | ||||||
| 03/03/2022 | Yes |
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Web | Servicemember |
| CHASE AUTO BANK HAS BEEN OVERCHARGING ME IN LATE FEES AND HAS A NUMBER OF MISSING PAYMENTS THAT SHOULD HAVE BEEN CREDITED TO MY ACCOUNT BY NOW. CHASE BANK INCORRECT PLACEMENT OF MY PAYMENTS HAS CAUSED ME TO BE REPORTED LATE TO THE CREDIT AGENCY SEVERAL TIMES. CHASE 'S MISPLACEMENT OF PAYMENTS IS NOW IMPACTING MY LIVELIHOOD AND CAUSING ME TO BE XXXX XXXX When I first open my account with chase auto, I was charged late fees even though I was not late on my payments. Due to covid19 I was laid off from work and was told I would be given some relief from the Chase Auto Loan dept. I was told From XX/XX/XXXX XX/XX/XXXX, I would Receive covid19 assistance with my payments. Apparently, Chase was being dishonest about the relief they agreed to help with me. . My account balances are not correct, where I was supposed to have received covid19 relief help on my payments the ledger shows differently. XX/XX/XXXX I was told by a chase rep I received covid19 credit to my account/ Ledger show I made the payment on XX/XX/XXXX, {$920.00} made with teller. XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, The Ledger shows no payment whatsoever was ever credited to my account. Ledger does not show the month of XXXX payment credited to my account the ledger does not even show a record of payment or credit of the account. XX/XX/XXXX I was told by a chase rep, I Received a covid19 credit the Ledger shows no payment whatsoever was ever made. my ledger does not show the month of XXXX credited to my account. The ledger does not show the entry of that month 's payment. XX/XX/XXXX I was told by a chase rep I Received a covid19 credit, the Ledger show no payment whatsoever was ever credited to my account. XX/XX/XXXX {$2000.00} payment was made to cover two months ' payments the entire payment went to the principal in spite of my direction. XX/XX/XXXX, {$2000.00} payment was made to cover two months ' payments instead of my directions the payment went towards principle. XX/XX/XXXX {$940.00} XX/XX/XXXX no payment made XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX I was told by a chase rep I Received a covid19 credit the Ledger show no payment whatsoever was ever credited to my account. But I was charged late fees {$30.00} XXXX XXXX payment made over the phone {$850.00} & XX/XX/XXXX payment was made {$1000.00} money order never processed to my account. XX/XX/XXXX payment was made XX/XX/XXXX {$920.00} this payment not reflecting on the account at all. please see attached proof of payment. XXXX XXXX {$940.00} XX/XX/XXXX, I was informed I was covered for covid19 relief but my Ledger showed XXXX ( XXXX ) I made a payment on this account, where is the credit on the account for covid19 relief I was told was paid by the chase. XXXX payment was supposed to be a covid19 relief credited to the account I see no payment entry also I was charged late fees of {$45.00} and {$15.00} XXXX XXXX payments were made on this account XX/XX/XXXX and XXXX {$920.00} I was told my payment went towards XXXX payment when I was previously told I received covid19 help. XXXX payment no payment was credited to the account even though I paid two payments in XXXX XX/XX/XXXX payment made {$1000.00} second payment XX/XX/XXXX {$1900.00} even though I explained the payment was for two months. This payment went towards the principal balance instead of crediting two payments to my account as I advised. This is why there was no payment entry for the month of XXXX because I expected a credit to my account XX/XX/XXXX payment was made {$1000.00} XXXX this payment was not taken out due to no account found. I have a letter from my bank stating Chase never attempted to take payment from my account in the month of XXXX. XXXX 's Payment was made XXXX payment {$1000.00} XX/XX/XXXX payment was {$1000.00} XX/XX/XXXX and XXXX two payments were made, and these payments were applied to XXXX and XXXX. XX/XX/XXXX payment {$1000.00} I was told my XXXX payment was applied to XXXX payment even though chase bank never informed of crediting my payment to a month that was missing a payment. Based on the doubling up on payments, covid19 relief help, and two lost payment 's I never should have been reported late on my credit. | ||||||
| 12/02/2020 | Yes |
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Web | Older American, Servicemember |
| Last year around the first part of XXXX, XXXX I received a phone call from a representative with Chase. The offer was 0 % interest and a {$10000.00} balance. I clearly asked about the 0 % interest for how long and was told " life ''. With that offer I accepted and made off other cards only because of the 0 % interest. The confirmation # for the call or offer, which I can remember is # XXXX. I spoke to a XXXX XXXX, Superior Payments @ XXXX, who stated that there would be a fee of {$1900.00}, which basically was in place of any interest to be charged. During the initial call and another call to get the card activated I also spoke to a XXXX XXXX @ XXXX. This last spring I noticed we were being charged interest only because the automatic payment of {$90.00} that was set up at the beginning of the card issue was not enough for the minimum payment. The interest alone is running at $ XXXX month. I believe it was in XXXX of XXXX I called because we could not afford the amount due. I paid the past due amount and then asked about the interest being charged. All she could tell me when it had started. I told her I had the info of who I talked to during the promotion, She stated to call back when I had the information in hand. On XX/XX/XXXX I made another call to get help to lower our payment, anything so we can make the monthly payments, Also to talk to someone that could help me with why we were being charged interest since then I had the info needed. After 3 attempts I was able to speak to an agent. The first one XXXX disconnected me, the second XXXX, # XXXX I accidently disconnected the call, then I spoke to an XXXX # XXXX. She said that they have to programs, one where the payment would be deferred for a month, the other program where the interest would be 0 %, with no fees, for a payment plan of 5 years, the acct would be closed. I choose the 2nd plan. She then asked me our income, and expenses. I was not at home during this call so many of the $ $ amts were off the top of my head. She also asked me what we could afford and I told her {$150.00}. She then put me on hold, came back and said we qualify for the 2nd one but our payments would be {$160.00}. I said that will be duable. She then had to put me on hold and get approval from her supervisor ( so not sure why she told me we were approved for the above info I just entered ). She came back said we were not approved because our income was lower than expenses. I told her one thing I had figured wrong was the monthly income. I told her i based it on 12 months at being paid 2 times a month, when really it is 26 times a year for each of us. So there I shorted our income by 4 pay checks. She seemed not to understand. I was also told I could not make any changes and could reapply after 30 days. So i then choose the Covid relief program to have a payment deferred. She said our account will be frozen till XXXX, and to call in XXXX and let them know for the following months. I then told her I wanted to talk to someone about the intiial promotion and how we were told 0 % interest for life She transferred me to a supervisor, the call never disconnected, but the supervisor never came on line. So I called back, talk to a XXXX # XXXX had to explain everything again, she said they have a new phone system and were having issues. She transferred me to her supervisor and stayed on the line to make sure the call went through. After I explained every thing to him, XXXX # XXXX he told me I would have to call collections regarding my concern with the promotion. On XX/XX/XXXX I called the main line, received the automation and finally got a human in customer service. I told them I needed to speak to someone in collections, she then transfered me and the call was disconnected. I feel I have tried my best to get this resolved and they clearly have shown they don't care. I have spoken to multiple individuals, explaining multiple times and no one seems to be able to help. I would have never accepted this offer if I would have been told interest would start after a certain time. I would have not benefited me at all, having to pay the {$1900.00} fee and then pay interest 12 months later. I would have been better off, paying on my cards as I was. | ||||||
| 10/21/2023 | Yes |
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| I have had my checking account since XXXX. It was called Chase Checking ( grandfather account ) until they forced it to be a different account called Total Checking Account on XXXX XXXXMonthly I frequently review my account online. On XX/XX/XXXX I went online to chase.com, and entered my username and password. However I was unable to view anything within my account because there were multiple disclosures I was required to agree to. The message did not specify why or what I needed to agree to. There I opened up the PDFs and noticed over one hundred pages of information to review. There are about 3 to 4 PDFs in total. One of them had 125 pages to review and the others had about 10 pages each. In the state of confusion, I thought maybe it was a glitch, and noticed I was unable to sign out of the website either. I was unable to view my personal info, settings, balance, transaction, etc. Therefore I quickly called chase in fear that my money disappeared or stolen, and to find out why those disclosures where there. A Rep briefly explained and transferred my call to escalations to file a complaint. My complaints were ; why didn't chase provide notification in advance that they would need updated agreements, accounts will be blocked, instructions on how to gain account information while online access was blacked, information on options to gain account info if a customer doesn't agree to the PDFs agreement, options on logging out of the account, etc. I was informed that I would hear back from them within 48 hours. However, almost 2 weeks passed, and nobody contacted me. I called chase again, and was informed that someone will reach out to me soon - 24 to 48 hours. Nobody did. So I called chase a third time, and was transferred unknowingly to a Supervisor in Tech. The Tech Supervisor stated she would help me view my account. However what she did was ignored my concerns and guided me online to force me to click on the PDFs and agreements. When I noticed what she was doing, I quickly stopped her, and explained my issue again. That is when she mentioned she was the Tech Supervisor. I asked to be transferred to escalations regarding my complaints. Then I spoke to the compliant team, and the Agent informed me that my case ( XXXX ) was never submitted and he will enter it to their work basket. We set up an appointment for him to call me the next day by XXXX EST. I never heard from him. After a few days I called chase a fourth time, and eventually spoke to a Supervisor within escalations, however that conversation did not go well. It was condescending. I asked the Supervisor to transfer me to Executive office multiple times but she continued to repeat her response. Eventually I filed my concerns to Executive office intake Agent. On XX/XX/XXXX XXXX left a voicemail stating there was nothing they could do, and that the agreement had a number to call XXXX if I wanted to find out more info. So I called the number she provided and it was chase customer service. I already knew from my experience they wouldn't be helpfulness because all was explained to me that the 125 pages plus of the disclosures was regarding Google and XXXXXXXX XXXX I called the Executive office and spoke to XXXX who is XXXX Supervisor because XXXX was out of the office even though she just left a voicemail about 10 minutes prior the voicemail. A few days later XXXX called back and was kind enough to hear all my concerns. She started the IT department were unwilling to grant access to view any aspect of my account until I signed all their agreements. What is the law, regulations, or Acts regarding these matters? Are banks allowed to blocked customers from online access to their established accounts at any point of time without notifying the account holder first? If banks are allowed to blocked online access then are they required to provide account holders information or instructions on other ways to gain info about the account? Etc. I want to ensure that my rights were not violated. Its appalling that banks can randomly disregard informing account holder, and randomly block their established accounts until customers are forced to agree to disclosures. I have screenshots, and the PDFs attached to this compliant. | ||||||
| 05/10/2018 | Yes |
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Web | Servicemember |
| I have had a 30 year history with XXXX XXXX XXXX. My credit score was XXXX. I worked 72 hours a week for 6 months as a XXXX at night. I needed to buy a car. I went to XXXX and chose a XX/XX/XXXX XXXX. I signed a 4 year loan at 0 % interest. I was going on a cruise with my husband. I set up the first payment through online bill pay with XXXX XXXX XXXX to pay Chase auto loan dept XXXX on XX/XX/XXXX. XXXX XXXX XXXX sent Chase Bank {$64000.00} on XX/XX/XXXX. I had {$52000.00} something in that account. I was still in the country on XX/XX/XXXX. No in any way attempted to call me before sending a check that would put me in overdraft. Chase got the check on XX/XX/XXXX and cashed it- receiving the funds on XX/XX/XXXX- 3 days before the posting date. I came home on the evening of XX/XX/XXXX and saw the title in the mail. I saw on the morning of XX/XX/XXXX that I was overdrawn. I went to XXXX XXXX XXXX and Chase. Chase said they wanted a letter from me stating that I wanted to reopen the loan. They said they had a check for me already written out for the difference between the {$64000.00} and the loan value of the car. They paid off the car and closed my loan account. When I would call, I was always told that the account had been closed. XXXX XXXX XXXX told me not to take the check for the difference, but to hold out for the full amount after the loan had been reopened- in other words the $ XXXX- {$640.00}. I did not want to pay cash for the car. I wanted my loan to reopened. I kept calling because nothing was happening. Chase said that the matter had to go to their research dept for 10 business days. Then, if the wrote me a check, they would have to hold onto it for another 10 business days due to federal anti money laundering laws. There was additional time that it could take to actually get the money to me. I thought that the process had begun, but then on XX/XX/XXXX, I was in XXXX for my daughter 's graduation from college and they called ( XXXX XXXX from the car loan dept ) to tell me that Chase wanted me to send the title, the document that came with it stating that they were returning the overage in the form of a check, and a bank statement showing the money leaving my account. She gave me fax number while I was driving- following someone in my car. When I got home I saw a XXXX XXXX envelope in the mail and I immediately sent the documents requested in addition to a Power of Attorney. I was pretty upset about signing over to them a letter for power of attorney. That did not seem reasonable or safe at all. I had to go to a couple different Chase bank locations to get it signed that Monday morning- XX/XX/XXXX. I thought everything was fine. Now, on XX/XX/XXXX, I got a call, again while I'm driving someone home from a medical procedure, and Chase wants more bank statements. They already have the statement showing the money leaving my account. That occurred on the last day of the statement I sent them. They were troubled they said because the statement ended in a negative balance. I told them that we all know how that occurred. I was getting upset. I am not trying to get a home loan here. The Chase representative- a supervisor in the office of auto loan financing XXXX XXXX suggested that I send them a statement for XXXX to XXXX, the statement prior to the one I sent which was XXXX to XXXX. My big concern here is that these are all delay tactics to keep my money as long as they can. The statement I sent shows a beginning balance of $ 44,000+ and the deposit of 4 paychecks. My balance was $ 52,000+ and then it dropped to $ 11,000+ in the negative. I thing that they are going to want something more every time so that they can delay return of payment. I really want my loan reopened. The intent was never that I would pay cash for my car. I give my children money for things. Some are still in college, one is on a mission, etc ... I do not really want to make Chase angry so that they will not reopen my loan. This is why I have signed over power of attorney and sent them my bank statement even though they already obviously got my money. Chase reports that they can not sent the money electronically because they will only send it the way they received it- as a paper check. | ||||||
| 12/29/2022 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Open Letter for Open Records for PROPER RECORDS Card Ending XXXX : or Claim Number __________________________ Dear XXXXXXXX XXXX XXXX XXXX Attached you will see a notification received through XXXX XXXX XXXX regarding the verification of my tax return which will be sent over to my legal counsels of records and my certified public accountant for full review and to question as to why is XXXX in my personal business and in my personal affairs in regarding my tax returns and to question me or to even ask me for verification of such tax returns. I express this in my answer to this form that I consider to be as bogus as they may come. Since XXXX wants to verify such records as my tax return and thinks that they are entitled to my tax returns transcripts. I too would like XXXX to send their records request to the XXXX XXXX XXXX XXXXXXXX, Department of Veteran Affairs, and any other employer of record to get whatever records they may need in nature to their request. Ask them all for their PROPER RECORDS under verification and attached their W-2s C, rules, and regulations, applicable laws, and statutes to support their records under this verification process. I am not consenting to anything anymore in this country until your business or government agencies produce the PROPER RECORDS under sworn affidavits officially signed and sealed under blue and black ink by the authorized representative just like your return records are trying to get me to do. XXXX XXXX XXXX and XXXX XXXX XXXX are not the same company or business or are not sister agencies among each other. Now that you have this OPEN RECORD which I will continue to keep open for the general public to read and review and as well as draw concerns XXXX XXXX XXXX has no right to be trying to probe into my personal life and private affairs trying to use some undercover tactics to get my tax returns or tax returns transcripts. Now that you are in here and we are verifying records please request that all your governments records be officially and legally signed off on in black and blue ink by the authorized representatives and attached the rules, regulations, policies, applicable laws, and statutes to your PROPER RECORD for full review and complete understanding. This is a very simple OPEN RECORD request for ALL your PROPER RECORDS under the name of XXXX XXXX XXXX. If there is any debt owed or due, then such PROPER RECORDS must be attached with a legal receipt of record for full payment and payment processing. I am returning your records attached for evidence for more work and a full explanation of who, what, when, and where such person or body of people gave you my information to run and to try to get me to consent to something that I clearly dont appreciate. If any things are to be reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting any kind of late payments or delinquencies? Now produce my credit profile/credit report with all receipts or amount owed due or that is late with XXXX XXXX XXXX. If you have any issues or problems, you have my consent in this written communication to contact my legal counsels of records and my certified public accountant for they too will be getting this communication to support your email request for any records of mine under a sworn affidavit with your paperwork signed off on in blue or black ink only. You suppose to have everything about me since you have my name, date of birth, and social security number. The records that I have from you that you provided to Chase Financial Services, N.A. will be returned for more work as well. If you have a legal counsel of record on staff or that is representing you, then please share this open letter with him or her to further assist you. If I can sign records, then so can you officially and legally sign off on such records under the exact name of the person listed in the signature block for full accountability. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX CC : XXXX XXXX XXXX XXXX IRS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 01/15/2023 | Yes |
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Web | Older American, Servicemember |
| REFERENCES : CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/XXXX ) XXXX Complaint ID # : XXXX ( XX/XX/XXXX ) CFPB COMPLAINT ID SENT TO CHASE : XXXX ( XX/XX/XXXX ) -- -- -- -- -- On XX/XX/XXXX I received an email from " Chase XXXX Executive Office XXXX XXXX that was dated " Tue, XX/XX/XXXX at XXXX PM ''. -- -- -- -- -- The email identified that I contact a dedicated specialist is XXXX XXXX, who can be reached at XXXX ( XXXX ) XXXX, extension XXXX. I am available Monday through Friday from XXXX XXXX to XXXXXXXX XXXX., Eastern time. It did not identify what was to be discussed if I did contact XXXX XXXX XXXX. Was it my past complaints or something new? -- -- -- -- -- So I called @ XXXX XX/XX/XXXX left message with no response by XXXX, I called again @ XXXX XX/XX/XXXX left message. their message said XXXX XXXX XXXX " was on the phone again '' No call back by XXXX and finally I called again @ XXXX XX/XX/XXXX left message. He was on the phone again with No call back by XXXX. -- -- -- -- -- As of this posting there has been no response from Chase, XXXX XXXX XXXX Given that the Chase XXXX Executive Office email had been sent on XXXX XXXX and there was NO identification that Chase 's representative, XXXX XXXX XXXX might be on vacation or the offices closed, I had expected a response. However like their secure email system, if there is an issue that reflects badly on their business, Chase chooses to avoid, not to respond. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I understand from Chase 's responses documented in my original CFPB complaints that their officers can lie, by stating I had " withdrawn the application '' ( CFPB feedback XX/XX/XXXX ) for a mortgage without any proof. In my case, I talked to Chase officers over an unrecorded line, where they stated that they would accept an inspection from any inspector, the office made an email request from me to contact the inspector and then they just canceled my application. When I contacted the CFPB XXXX ( XX/XX/XXXX ), Chase responded stating that I had " withdrawn the application '' on XX/XX/XXXX, I had not- I do not understand why it was necessary for Chase to XXXX about how my application was canceled unless denying a loan request just after COVID to someone over XXXX, a Veteran with XXXX and taking care of a senior citizen would trip some discrimination flags. This refinance would have changed my financial posture from reactive ( roof, doors other failures that contributed to my debt ) to proactive and prepared for retirement. So to mitigate the risk they lied and said I had withdrawn the application. I did not know I had " withdrawn the application '' till after my CFPB complaint, which had been prompted by a lack of documentation on the cancellation in my online application documents provided by Chase. -- -- -- -- -- Since I am a current Chase customer I tried discussing their lying over secure messages. After I had learned that Chase 's position was that I had " withdrawn '' my application on XX/XX/XXXX in the previous CFPB complaint. Chase did not respond to any of the communications so I filed another CFPB complaint XXXX ( XX/XX/XXXX ). In their response on XX/XX/XXXX Chase doubles down on the lie, claiming they will not change their decision " without new information '', that they will ignore, like they did the original, stating that nothing was to be said so they chose not to respond to my inquiries, even with a form response that they made to the first CFPB complaint. This was reflected in Chase 's response to the CFPB complaint XXXX ( XX/XX/XXXX ) -- -- -- -- -- The bottom line is that Chase made a decision based upon a lie that I had " withdrawn '' the mortgage application on XX/XX/XXXX, this date is based on what, the word of an upset officer? I did not know that I did not " withdrawn '' the application till their response to CFPB XXXX ( XX/XX/XXXX ). When I attempted dialog on the issue using their secure messaging they ignored the attempts instead of repeating their lies or even a form message response. Now they made an insincere attempt at contact, on XX/XX/XXXX, I called three times leaving messages, XX/XX/XXXX, 30 and there has yet to be a callback as of this posting XX/XX/XXXX. | ||||||
| 02/25/2018 | Yes |
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| I have both a Checking and Savings account with Chase Bank and I have in my possession a debit card attached to these accounts. My spouse is a XXXX XXXX XXXX with the XXXX XXXX for XXXX XXXX and we both live overseas in XXXX, XXXX. On Saturday XX/XX/XXXX, I used my Chase debit card at a XXXX XXXX XXXX ATM in XXXX, XXXX. On XX/XX/XXXX, fraudulent charges were made to my account in XXXX XXXX, Florida, USA. Please see details : At an ATM in Florida, an unknown person or persons moved {$1400.00} from my Savings to my Checking account, and then withdrew {$480.00} USD from my Checking account. They then proceeded to a XXXX, where they made a {$3.00} purchase and got {$500.00} cash back from my Checking account. Next, they proceeded to a XXXX XXXX and made another {$3.00} purchase and got {$800.00} cash back again from my Checking account. They then went to an ATM and withdrew {$400.00} from my Savings account as well as another {$20.00} from my Checking account. All of this activity occurred on the same day and all of the transactions and fees total {$2200.00}. Checking Account : -ATM SAVINGS TRANSFER ATM transaction {$1400.00} -NON-CHASE ATM WITHDRAW ATM transaction {$480.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX Purchase {$3.00} Cash Back {$500.00} Debit card transaction {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX Purchase {$3.00} Cash Back {$800.00} Debit card transaction {$800.00} -ATM WITHDRAWAL XXXX XXXX XXXX ATM transaction {$20.00} Savings Account : -ATM CHECKING TRANSFER ATM transaction {$1400.00} -ATM WITHDRAWAL ATM transaction {$400.00} The physical debit card was in my possession during this time. In order to prove that I was not in Florida during this time, I have a signed and notarized statement from the Regional Security Office verifying my presence in XXXX during the time the fraudulent charges were made in Florida. This is the office that is in charge of tracking the movements of American citizens travelling in and out of XXXX. I have included their statement with this communication, and this was also provided to Chase. I explained all of this over the phone and in several different Claims filed with the Chase Fraud Department, beginning on XX/XX/XXXX and concluding on XX/XX/XXXX. However, they refuse to approve my claims and refund my funds. I was told that I can not submit another claim asking them to continue to review this issue. On XX/XX/XXXX I spoke with the only Supervisor available, XXXX, who cited three reasons for denying my claims : 1. Chase contends that my PIN was used on all of the fraudulent transactions. I have never given my card nor my PIN to anyone. So, clearly that information was stolen when I used my debit card at the ATM in XXXX, XXXX. 2. Chase contends that the transactions were CHIP based, therefore the card had to be present. The card is, and always has been, in my possession, in XXXX. I have a document proving that, which was provided to Chase, and which I am attaching here. Therefore, the thieves have figured out an unknown way to mimic a CHIP transaction. 3. Chase informed me that a call was placed at the time of the XXXX charges and they were verified. Chase never spoke with me. My contact information on file with Chase Bank reflects my current contact information and the only phone number currently on file for my account is my XXXX cell phone number. I was told by a phone representative that they called a phone number that had been previously removed from my account. I did receive an email requesting confirmation of the charges. I clicked " NO '' within this email to deny the charges on XX/XX/XXXX, and I immediately called Chase to follow-up. Chase has no record of my electronic response to this email. I have attached the original email here. The fact of the matter is that I was in XXXX and could not have made these charges. I have provided clear and truthful responses to each of Chases claims to the contrary, yet they refuse to refund my stolen funds, along with the resulting overdraft fees. I request that {$2200.00} be refunded to my Checking account, plus the resulting overdraft fees. I then plan to close all my accounts with Chase due to their poor handling of this clear case of fraud. | ||||||
| 06/14/2023 | Yes |
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| Chase is engaging in inconsistent, non-transparent, unfair, deceptive and abusive extensions of credit on its credit cards. I have 3 credit cards with Chase : Amazon XXXX, Freedom and Freedom XXXX. Chase has pushed its largely junk card, the Amazon XXXX, which is habitually plagued by all of Amazons sleazy, out of control, unfair, deceptive and abusive billing practices, and I believe has raised the credit limit on this junk card automatically without asking me if I wanted it, while it has done just the opposite on the card I use the most, the Freedom XXXX. Furthermore, whenever I have asked for a credit limit increase on the XXXX card, Chase uses this as a pretext to try to force me to apply for the card all over again and extract a lot of personal information from me that it does not require when it raises the credit limit on the Amazon card. The only way I can avoid this abuse is to transfer the Amazon credit to the XXXX credit limit which I have done a few times. However, Chase does not openly advise its customers that it will do this and instead tries to force them to reapply for credit as for the first time on the Freedom XXXX card. Additionally, whenever I call the service number for the XXXX card, I am subjected to a slew of irrelevant, canned recordings with no way to avoid them, wasting what little time I have to deal with abuses that should not exist to begin with. This is an obstacle to being able to communicate with the Unlimited card personnel. Finally, when I asked the person who said he transferred credit from the Amazon card to the XXXX card, after he tried to take a complete credit application from me, why Chase was not reporting activity on the XXXX card which has the most activity on it, to credit bureaus, he said he did not know and that I would have to speak to someone else. He then transferred the call to more pre-recorded garbage I did not have time for, before another recording announced that no one was available to answer this question unless I hung on the phone 30 minutes or more to speak to someone because people who knew the answer to this question are in short supply and not readily available to explain their actions. Clearly, as part of being squirrelly with its inconsistent and abusive credit management, Chase also resists and imposes obstacles to its customers for explaining why it does not report activity on my most used card, or perhaps for any of my cards, to credit bureaus. Please investigate, monitor and effectively sanction Chase for these aforementioned practices. If it automatically raises the credit limit of one of its cards, it should at least offer to do so for all of its cards so that its customers have a fully transparent choice about how it is offering, not automatically assigning, credit. The kind of market manipulation that Chase routinely engages in, in for example, pushing Amazon sales and card usage, is repulsive. It should not be allowed to extract new personal information to raise a credit limit on any of its cards but go by the actual payment history of any particular card. With very few exceptions, many of which are due to the ephemeral inconsistencies of information presented or unjustifiably withheld in online banking and on statements, I have paid monthly balances in full on time or before they are due on all of my Chase credit cards for many years. Chase still has two parallel, incommunicative, payment systems within online banking, a source of constant confusion that Chase simply will not resolve. It should be sanctioned, but effectively, for its habitual repeat offenses in this regard that are a direct cause of confusion, overpayment, underpayment, etc., as the case may be. In the same vein of routine confusions, Chase does not print closing dates on its statements on all or any of its cards, while it should be forced to do so on each and every statement it prints for each of its cards. This should be a basic standard for any credit card statement of any bank operating in this country, without exception of the whining excuses of small banks and credit unions. Fairness to customers should be the reigning/reining standard, not size and ineptitude of any institution that issues a credit card. | ||||||
| 04/28/2020 | Yes |
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Web | Older American |
| Beginning XXXX XXXX, 2020 I attempted to contact Chase Ultimate Rewards by XXXX to cancel a prepaid airline reservation made through them for air travel. After countless long wait times on contact attempts ... only to be disconnected or told that their system was down and they were unable to take cancellations verbally. No other mechanism had been implemented to secure a cancellation and online or Chase app was not operable either. Email sent were met with no real response or assistance of any kind. I eventually contacted JP Morgan Chase 's corporate office and was transferred to a live representative at XXXX XXXX XXXX XXXX to cancel the airline booking. The representative provided the " current '' terms of XXXX cancellations which was to be a full refund of the charge to my card and XXXX XXXX rewards to my account and my husband and I agreed verbally to those terms. The flights were cancelled. I was provided a case # XXXX and instructed that I was to call back this number when I received my Sapphire replacement card to conclude our transaction. When I called back on XX/XX/XXXX to provide the new account number I was given another case # XXXX and while not clearly stated it appears that there was an error in XXXX 's statement for the cancellation terms. They now wanted to issue an XXXX for me to use for alternate travel before XXXX/XXXX/20. This was not accepted by me so I was informed that an Escalation Team would investigate the matter and call me in 72 hours. This call was never forthcoming and despite numerous emails sent or calls to me assuring me that they were working on my matter ... nothing has transpired except further delays. The newly assigned case number is # XXXX. On XX/XX/XXXX I spoke to the Chase Executive Resolutions and provided my case # XXXX. I have received emails from this group indicating other refund offers that were grossly incorrect. i.e. 3 travels vs 2, statements that I completed my cancellation on line vs on the phone, that the airline XXXX would be with XXXX vs. XXXX ( the original airline provider ) ... I was redirected to Chase Sapphire Customer Service to open a XXXX dispute for the amount charged on my Sapphire card of {$760.00} for this transaction and they issued a provisional credit on XX/XX/XXXX. The traditional paperwork was not sent to me requesting I send all communication or support of my claim. I also was told initially that they would be handling the refund of the XXXX points to my Sapphire credit card as well. Subsequently I was told that to have the points reinstated would require me to contact Chase XXXX Rewards by XXXX, their third party provider. Once again I was on the phone and finally decided to reach out via email for assistance to key executives at both organization as it had become obvious that this was just a huge run around with no one taking accountability. Emails sent. I received a call from XXXX on XXXX and told that she was handling the new case and that she needed to wait 10 additional days to confirm that the credit card dispute was finalized. Yesterday I sent a new email requesting an update from the following individuals all included in that transmission. Executive Social Customer Care at XXXX XXXX XXXX XXXX, Managing Director Ultimate Reward at JP Morgan Chase in PA XXXX XXXX, Sr. Director, Business Improvement at XXXX XXXX XXXX XXXX VP, XXXX Rewards and Loyalty Solutions, JP Morgan Chase XXXX XXXX XXXX XXXX CA Today I received an email as shown below : Dear Ms XXXX, I am writing to you in response to your multiple requests to both the travel center and Chase executives to have the points added to your account from your recently cancelled travel. Currently, your dispute is still not finalized as of yet. Before the points can be added to the account, the dispute investigation must be finalized and the provisional credit you have been granted must be made permanent. The entire dispute process can take up to 60 days. We thank you for your continued patience. We look forward to helping you with future travel plans. Thank you for choosing Chase Travel. Sincerely, XXXX XXXX Travel Consultant Supervisor Chase Travel I have lots of emails and a timeline with details if needed. | ||||||
| 11/16/2018 | Yes |
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| Greetings, My wife and I are in the process of buying a new home in XXXX XXXX, Texas and chose CHASE as our home loan provider. We had already made several contract offers on several homes over the past weeks and had been receding a GOOD CUSTOMER SERVICE EXPERIENCE working with CHASE employee XXXX XXXX / XXXX XXXX adviser INMLSID XXXX, XXXX, XXXX However on our current contract offer, my wife and I provided the Sellers Agent with a written contract offer of {$550000.00} on a home that had been on the market for 88 days and listed at {$620000.00}. My wife and I included paying all normal Sellers cost 's like the loan title policy, survey, resale certificate and Sellers not paying the 3 % realtor fee to the buyers agent since a family member of ours was writing the contract. All of these efforts were to entice the Sellers to accept our offer of {$550000.00} knowing we were at our maximum purchasing limit. Upon submission and review of our written contract to the Sellers Agent, the only request back from the Sellers agent was for a pre qualification letter for the purchase price of {$550000.00}. My wife emailed XXXX XXXX in writing requesting a pre qualification letter for {$550000.00} HIGHLIGHTED IN YELLOW. What we received back without knowing was a pre qualification letter for {$560000.00}. I unknowing sent the letter to the Sellers agent assuming I was working with a trusted professional. Once I realized what CHASE had done, I immediately panicked and realized CHASE had exposed us qualifying for a higher loan amount than offered to the sellers in the contract and took away our ability to negotiate for the best price. I immediately called XXXX XXXX and explained to her what she had did was in direct conflict with what my wife had requested in writing. XXXX XXXX, stated " O, sorry I will get that corrected for you and send you another letter ''. I called the Sellers agent and stated CHASE had made an error and stated we were qualified for a {$550000.00} loan amount and to please not send the letter to the Sellers. The Selling agent stated " Sorry, I have already sent it ''. I contacted XXXX XXXX back and requested she provide the Sellers agent with the corrected pre qualification loan letter reflecting the {$550000.00} offer and to please explain this was an error on CHASES behave, which she did. Well as expected the Sellers countered our offer and agree to sale us the house for {$560000.00}. CHASE jeopardized our negotiating power and left us in a no win situation other than to accept the counter offer knowing there was no way to convince the Sellers that we really were not pre qualified for a {$560000.00} loan. My wife and I are now in the loan process with CHASE and expecting to close on XX/XX/2018. My wife and I complained to the Supervisor of XXXX XXXX, XXXX XXXX, NMLS ID XXXX, XXXX, XXXX about this huge costly error on CHASES part which cost us an additional {$10000.00} dollars. XXXX XXXX informed us that CHASE would only offer us a {$3300.00} lender credit for the error. My wife and I then contacted XXXX XXXX XXXX supervisor, XXXX XXXX VP-Senior XXXX XXXX Manager, NMLS ID XXXX, XXXX, XXXX XXXX was very " matter of the fact '' about the issue and stated CHASE was only offering us a {$3300.00} lender credit and nothing else. XXXX stated this was his decision and stands by it after speaking with Financing. XXXX deflected from the real problem and stated in writing that CHASE did not obligate or commit us to pay $ XXXX for the home and insinuated we were to blame for accepting the Sellers counter offer of {$560000.00} and not negotiating better. XXXX knows our backs are against the wall with requesting a very short closing date ofXX/XX/2018.I also expressed my concern of being retaliated against by CHASE and not processing our loan in time for complaining. My wife and I fill that we have been treated unfairly by CHASE and want to resolve this issue in a fair and amicable way. XXXX 's offer of only a {$3300.00} lender credit over a {$10000.00} dollar CHASE error leaves us expected to eat a {$6600.00} loss. Additionally the CHASE error added {$8000.00} more dollars to our mortgage. Thank you, XXXX XXXX XXXX XXXX | ||||||
| 11/08/2018 | Yes |
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| Timeline of Events XX/XX/18 - Friday ( XXXX - XXXX XXXX ) - Logged into Chase Mobile app to check weekly payroll direct deposit. Normal deposit of {$750.00} noted in bank account. No suspicious activity noticed. Worked from XXXX XXXX at XXXX, CT XXXX. ( Note - I live in XXXX, XXXX and work at XXXX, CT - Monday - Friday ) XX/XX/18 - Saturday ( XXXX - XXXX ) - Purchased grocery for {$68.00} at XXXX XXXX 's, XXXX XXXX, NY using Chase debit card. XX/XX/18 - Saturday ( XXXX XXXX ) Logged into Chase Mobile app. Realized unauthorized funds were transferred from Savings to Checking account, purchase of {$2500.00} at XXXX XXXX in XXXX, XXXX and multiple ATM withdrawals from both savings and checking accounts. All ATM withdrawals occurred at 3 different Chase branch locations ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX. Immediately called Chase and reported fraudulent charges at XXXX XXXX ( {$2500.00} ) and unauthorized ATM withdrawals. Claims were filed and all accounts were frozen immediately. Was informed that temporary credit would appear in the bank until claims results were finalized. XX/XX/18 - Saturday ( XXXX - XXXX ) Logged into chase Mobile app. Realized additional two more unauthorized transactions had taken place ( {$400.00} ATM withdrawal at XXXX XXXX XXXX, XXXX and {$4.00} purchase at XXXX XXXX # XXXX in XXXX ). Called bank and filed new claims. When asked how come the additional charges took place since my account was frozen, the agent replied, " the new transactions occurred simultaneously as the bank was initially notified ''. Was advised to visit branch location on Monday for additional information. XX/XX/18 Monday - Visited Chase branch location at downtown XXXX, CT. Was advised to close " hacked account '', change passwords and PIN and to open a new account. XX/XX/18 Tuesday - Visited Chase branch location in XXXX, CT. Opened new account. Funds from old Savings and checking accounts were transferred to new account. Temporary ATM card issued. Old debit card destroyed at branch location. XX/XX/18 Called Chase to inquire about the claims. I was informed that previous claims were denied because physical debit card was used to withdraw money, PIN was entered correctly without any suspicion. The bank just denied my claims based on the record of debit card being used and PIN entered correctly. They didn't even care to check who might've used the ATM machines. Bank agent suggested reopening claims and present additional documents to prove I wasnt in XXXX area on XX/XX/18. Documents from XXXX XXXX XXXX, XXXX stating my presence at XXXX office on XX/XX/18 ( Friday ) were faxed to bank. XX/XX/2018 : Filed police report # XXXX at XXXX XXXX XXXX, NY. XX/XX/2018 Called bank to inquired about the claims. Bank reported that all claims have been denied again. Important notes : 1. The bank did not notify me for any of the suspicious/unusual transactions ( Over {$8000.00} ATM withdrawal and {$2500.00} purchase at XXXX XXXX in a span of two days - XX/XX/18-XX/XX/18 ). No phone calls, emails were sent to alert me. 2. Daily limit of ATM withdrawal is {$800.00} from 3rd party ATM machines. Bank ATM ( inside the bank ) limit is {$3000.00} 3. Debit card in my possession during the entire time. PIN wasnt written on the debit card. 4. Video footage of me entering and leaving office building on XX/XX/18 obtained from building security. Checking account fraudulent charges locations : 1. XX/XX/18 : ATM withdrawal of {$2100.00} at XXXX XXXX XXXX, XXXX, NY. 2. XX/XX/18 : ATM withdrawal of {$500.00} at XXXX XXXX XXXX, XXXX, NY. 3. XX/XX/18 : ATM withdrawal of {$500.00} at XXXX XXXX XXXX, XXXX, NY. 4. XX/XX/18 : XXXX XXXX # XXXX XXXX XXXX, purchase of {$2500.00} using PIN 5. XX/XX/18 : ATM withdrawal of {$1000.00} at XXXX XXXX XXXX, XXXX, NY. 6. XX/XX/18 : ATM withdrawal of {$400.00} at XXXX XXXX XXXX, XXXX, NY 7. XX/XX/18 : XXXX ( store # XXXX ) purchase of {$4.00} at XXXX, NY. Savings account fraudulent charges locations : 1. XX/XX/18 : ATM withdrawal of {$900.00} at XXXX XXXX XXXX, XXXX, NY 2. XX/XX/18 : ATM withdrawal of {$500.00} at XXXX XXXX XXXX, XXXX, NY 3. XX/XX/18 : ATM withdrawal of {$2100.00} at XXXX XXXX XXXX, XXXX, NY | ||||||
| 12/05/2017 | Yes |
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| The problem is that we earned a free night to the XXXX on our Chase XXXX credit card, and Chase has refused to honor what he earned. To recap : XXXX. Received letter dated XXXX XXXX, 2017 stating that if we spent {$6000.00} by XXXX XXXX, 2017, we would receive our reward of XXXX night stay at any XXXX. XXXX. On XXXX/XXXX/17, we called Chase and spoke to XXXX in Ohio office to verify this information was correct. XXXX. We then spent a total of {$6200.00} ( XXXX over the required XXXX ) by XXXX XXXX, and have the statements and payment records to show that. XXXX. On XXXX/XXXX/17 we called Chase and spoke to XXXX and XXXX and they both verified that yes, we had met the required minimum and would be receiving our award in XXXX weeks. XXXX. On XXXX/XXXX/17, we called chase and spoke to XXXX ( an account supervisor ) to find out where our awards were. She also confirmed that we should have received our free night certificates and said that they were both sent to XXXX and should have been posted by now. She said that she would resubmit our reward and that it should show up in a few days. XXXX. On Saturday XXXX, we received a call from a XXXX XXXX, who said he was a lead of escalation for Chase and said that we did not qualify for the free night and had not met the minimum and that he was giving us {$100.00} instead of the free night ( valued at close to XXXX ). We asked XXXX times to speak to a supervisor but were refused. He said the only thing we could do is to fax or mail our concerns to the corporate office. We told him that we had met the minimum amount, and in fact had spent over that amount. It did not matter to him, and he gave us no options. XXXX. On XXXX, we made XXXX attempts to contact the XXXX offices at and finally spoke to a customer service manager who said the only recourse we had was to send a fax. XXXX. On XXXX, we faxed you all the information that was requested including our statements showing that we had spent over the required amount of {$6000.00}. XXXX. On XXXX, we spoke with XXXX, who now claims that the reason you are refusing to honor our earned reward is that instead of calculating the amount spent from XXXX XXXX, 2017, you have now decided to calculate it from XXXX XXXX, 2017. At no time during our numerous conversations with your people regarding this issue, has this ever been stated. In every conversation we have ever had with you, it was always stated that the amount was calculated from XXXX XXXX, 2017 through XXXX XXXX, 2017. XXXX. We then sent another letter and fax to the XXXX offices again detailing our issue. We never received any response XXXX. XXXX weeks ago, we contacted our local bank branch manager, XXXX XXXX, and assistant manager, XXXX XXXX. The XXXX was embarrassed at how we had been treated by Chase card services. He stated that we have been good longtime customers and he would contact card services and work on our behalf. After XXXX weeks, he finally told us that bank card services was not going to do anything and that they are done dealing with this. He stated that he asked if he could just take the amount equivalent to a XXXX night stay from the bank side and put it in our account. He was told no. To conclude, XXXX ) We have fully complied with the terms of the offer, as we spent over {$6000.00} by XXXX XXXX. XXXX ) We did due diligence by contacting Chase several times prior to XXXX XXXX, 2017 to make sure that we understood the offer correctly and that we were complying with the offer. Every conversation with the CSRs assured us that we were. Chase has notes in our account verifying these conversations. XXXX ) No one at Chase bank ever stated that the {$6000.00} was to be calculated after XXXX XXXX. In fact, we were told several times that it was calculated from XXXX XXXX. XXXX ) We were told by a XXXX at Chase on XXXX XXXX, that yes ; we had fulfilled the terms of the offer and had spent over {$6000.00}. XXXX ) In several conversations, Chase has admitted to us that this was their mistake, and in fact, they put XXXX in points in our account " to compensate us for their error ''. However, since a night at the XXXX costs over XXXX, what they are giving us does n't begin to equal what we are owed. | ||||||
| 02/22/2023 | Yes |
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Web | Older American |
| Since the country of XXXX does not have personal mailed delivered to residences ( and we needed some legal documents delivered ), I called a company called XXXX XXXX XXXX. This company 's website included service of process in XXXX. The charges for service of process were {$1800.00}. I gave them my credit card information. However, I found out just a little while later on the same day, that my attorneys would be able to send a Certified Letter to a company address our relatives from XXXX had finally provided. I contacted XXXX XXXX XXXX by phone and email and was assured that they would hold off on the service and that they would refund my money. I was very surprised when the following month a charge of {$1800.00} appeared on my credit card. I immediately contacted XXXX XXXX from XXXX XXXX XXXX I was sure he would say he was sorry for the oversight and that he would refund the amount right away. I tried several calls and emails to the company to try to resolve the matter. The attorney representing us in the estate matter emailed him as well. Our attorney wrote : There is no doubt from the trail of emails that : 1. service of process was requested 2. A request to suspend efforts to serve process was made 3. The request to suspend efforts was acknowledged and agreed to. Based on the email evidencing the above, the {$1800.00} and change should be returned to XXXX XXXX XXXX XXXX replied to our attorney : " You will have to discuss with the management or owner of the company about this situation. '' Then our attorney wrote back : " Can you please forward my email to him and ask him to call me? If not, please provide me with his name and email and I will forward the email to him. Have a Blessed and great day. '' XXXX XXXX replied : " I already forwarded your email over to the owner who will reach out. '' XXXX XXXX XXXX never contacted our attorney. It was at this time that I contacted Chase Bank Credit Card and started the dispute resolution process. A few days later, Chase Bank wrote back to us and stated that the disputed amount was considered a legitimate charge. I called their dispute resolution dept. and told them that I had emails confirming they had agreed to return our money. Chase Cardmember Services started a new dispute resolution claim with a new number. They asked me to email the documents to them. I emailed all the documents ( which I will attach hereto ). Then we heard back from Chase asking us to keep all our documents and that we didn't have to pay the disputed amount until the matter was resolved. However, we have now received a letter from Chase with copies to the credit reporting agencies. In their letter they informed me as follows : -- While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction ( s ) is valid and no billing error occurred on your account. And to call them if I had any questions. I called them and spoke to two different agents. One of them, XXXX XXXX, Account XXXX, informed me that he was sorry I was not happy with the results. He also tried to tell me that the 60 days had passed since the billing. I reminded him that I had called Chase as soon as I discovered the fraudulent charge on my bill, but only after I had tried by every means possible to resolve the matter directly with the merchant. During our conversation, he confided that XXXX XXXX XXXXXXXX had told them they had actually performed the service. I told him that was not the case, since they acknowledged that I had cancelled the service and had agreed to refund my money. Also, the only thing Chase had to do since they said they had served the documents would be to ask the merchant to provide a dated certified copy of the service, since part of the amount charged was to certify said service. I believe it was easier for Chase to keep my money, since it was going to be a little harder than they thought to represent me as their customer. It was really easy to just take the merchant 's word and ignore all the documentation I had provided to them. I am very disappointed in Chase. We have been loyal customers for many years and they chose to take the side of a fraudulent business enterprise. | ||||||
| 10/09/2020 | Yes |
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| 1. I intended to purchase information from a person who purported to have information that would aid me in my job search/search for clients. That person claimed to be in XXXX, CA. I have a phone number for that person. 2. I agreed that the information would be shipped to me in hard copy. 3. I agreed to transact through XXXX XXXX. 4. I paid in advance, as was required by the supposed seller. However, to protect myself, I used my Chase Visa to complete the transaction, because Chase sold me the card claiming that I had fraud protection for all purchases I made with the card. No disclaimers for XXXX XXXX were ever offered to me, either by XXXX XXXX or Chase Visa. 5. I paid in full, including for all shipping charges. The package should have weighed less than 1 lb, per the person who supposedly was selling the information to me, and it was to be shipped via XXXX. I have proof of that, within a text message chain. 6. Someone claiming to be working for the person who sold me the papers with the information I wanted called me the day the package was to be shipped, and demanded that I send him {$520.00} more. 7. After trying to get that person to put me in touch with the common carrier he claimed to be using ( because he admitted that he was not trying to ship via XXXX as had been agreed upon ), he refused. 8. I let that person, the supposed shipper of the package, know that I considered the transaction canceled because I was not going to pay more for shipping, and I let that person know that I now was fairly certain that I was the victim of a scam. I have a phone number for this person, as well as proof of what I write above, in a text message chain. 9. I went to XXXX XXXX and requested a refund of my money, and the person in control of the account to which I paid my money, the account into which XXXX XXXX put money, after clearing the charge on my Chase Visa, refused my request for a refund. 10. I attempted to contact XXXX XXXX, and there is no way to get in touch with anyone at XXXX XXXX. I still have not heard from that company, other than receiving notice that my account had been closed because I requested return of the money, as I noted in " 9 '' above. 11. I filed a fraud claim with Chase Bank, offering all kinds of information/evidence. I have text message chains which clearly confirm all of what I have noted above. No one from Chase bank ever contacted me for that information/evidence. 12. Chase Bank sent me a notice nearly two months after I filed the fraud complaint, which stated " We consider the disputed charge ( s ) valid. Chase bank never even attempted to go any further than correspondence with XXXX XXXX, which was simply the credit card clearing entity. I had not transacted with XXXX XXXX. I transacted with a fraudster that XXXX XXXX allows to continue to use its app, despite the fact that XXXX XXXX closed my account. 13. I sent all the evidence I have to Chase Bank, and I have heard nothing from the bank. It has now been over two weeks since I sent that letter to the bank 's address, " Cardmember Services, XXXX. XXXX XXXX, XXXX, DE XXXX. 14. A week after sending that letter, I received a call from someone from Chase Bank, who claimed that the letter had not been received. I live in Washington, DC, which is approximately 160 miles away. 15. Around the same time that I sent the letter to Chase Bank, I filed a claim with the FBI, via the Internet Crime Complaint Center and I thought I accomplished filing a complaint with the CFPB. However, the complaint with the CFPB is not showing up associated with my account on the CFPB site. 16. Today, I filed a second complaint with the CFPB. Just from the information Chase Bank furnished me when it denied that I had been defrauded, I confirmed that the person who controls the bank account is not the person with whom I originally contracted, and that the woman who supposedly controls that account uses at least two different names. I have called both phone numbers for her, furnished to Chase Bank by XXXX XXXX, and she has not returned my calls. Those phone numbers are in MO and in XXXX CA. I am fairly certain that she does not exist, and that there is actually no bank account at all. | ||||||
| 10/21/2020 | Yes |
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| I booked a non-refundable hotel room at the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX for XX/XX/2020through XXXX, which is a part of the parent company XXXX XXXXXXXX I booked the room on my Chase Freedom Visa credit card on XX/XX/2020. I contacted XXXX multiple times through XX/XX/2020 about my reservation and cancellation policies due to the COVID-19 pandemic. After contacting the hotel, I found out that my reservation had been cancelled without my knowledge and the hotel had not been charged. I first opened a dispute with Chase on XX/XX/2020 on the grounds that my reservation had been cancelled without my consent and I was still charged. I was issued a temporary credit at that time. I opened my dispute over the phone, and was not required to provide any documentation to Chase. On XX/XX/XXXX, I was contacted through a secure message that my charge was considered valid due to that fact that my cancellation did not meet policy guidelines. I was recharged the disputed amount. I contacted Chase to have the dispute opened a second time, and this time I sent over 11 pages of documented emails with the merchant and reservations through fax and mail to Chase 's Customer Service in XXXX, Delaware. On XX/XX/XXXX my purchase was considered valid again by Chase and I was responsible for the purchase. The hotel was closed due to COVID-19 restrictions until XX/XX/XXXX, per their social media accounts and emails from the hotel concierge. The hotel was not opened during the dates I had planned to stay ( XXXX XXXX ). Due to the hotel closure, I did not receive the services I paid in full for. I called Chase and had the dispute reopened on XX/XX/2020 on new grounds that my hotel was closed during the time I planned to travel, so services I paid for had not been provided. I faxed and mailed additional documentation that my hotel was closed during my scheduled travel time. On XX/XX/XXXX my dispute was again considered valid. I contacted Chase again to reopen the dispute and it was reopened on XX/XX/2020. I sent documentation to Chase and did not hear from them for an extended period of time. On XX/XX/XXXX, I contacted Chase about the status of my dispute. I was informed that it had been closed, however I had not been contacted. I had the dispute reopened and on XX/XX/XXXX, I was contacted by Chase through secure message that a significant amount of time had passed since the purchase date and the merchant would not provide a refund. I contacted Chase on XX/XX/XXXX and asked about the timeline for disputes. This representative informed me that Visa 's timeline is 118 days from the day of service, and XX/XX/XXXX was within that 118 days from XX/XX/XXXX. I resubmitted information for a dispute opened XX/XX/XXXX that I was not disputing the transaction date of XX/XX/2020, but the expected date of service, XX/XX/2020. I did not receive the services for XX/XX/2020 that I paid in full for. As of XX/XX/XXXX, my dispute has been closed again. At this time, I have exhausted my efforts to contact Chase for a refund of my purchase. I am also a member of a XXXX XXXX called Scammed by XXXX which has almost XXXX members who also have had no ability to get refunded by XXXX. Multiple emails sent to XXXX XXXX CEOs from this group are demanding refunds for their travel plans which were cancelled or interrupted by the COVID-19 crisis. I am not the only consumer who has been burned by XXXX and XXXX XXXX. This company is a fraudulent company, and I feel I have not been protected from fraud by Chase Credit Card Services, or been supported during my multiple disputes. While working through my disputes for the past 5 months, I have called Chase Cardmember Services almost weekly for updates on my dispute, or requesting to speak to a manager or supervisor. I have been denied multiple times. I have had to go weeks without information from Chase, just to find out my dispute was closed without notification. I was provided fax numbers to send documentation to Cardmember disputes that did not work or would never be received. I have had this Chase Freedom card for almost 5 years, and I find that Chase has not protected my account against a fraudulent company with hundreds of documented disputes. | ||||||
| 07/07/2017 | Yes |
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| A building I own had a major fire on XXXX XXXX XXXX. The city required, I have, of whats left of the building tore down and on XXXX XXXX XXXX I was left with just land ( no more building ). My home insurance company issued me a check for XXXX. XXXX XXXX XXXX required me to put the XXXX I received from the insurance in a escrow account because XXXX held my mortgage and wanted to insure this money will be put to rebuild the building. I hired a contractor ( XXXX XXXX XXXX ) to start the project and rebuild the building. The contractor reassured me, he was going to take all responsibility of getting my building back up and rebuilt ( including and not limited to hiring a architect, city permits, and everything involved in getting the building built ). The contractor ( XXXX ) told me he believed that the insurance did n't give me enough money that he could get me more money because it not enough money that I would need close to $ XXXX to because of the new laws and restrictions, and reassured me that if he ca n't get me more money that he will build the building the for the XXXX I received from the insurance company. Contractor ( XXXX XXXX ) told me for that reason, he needed to contact my bank, explaining to me that its the banks responsibility to get the most I could get from the insurance company because they hold my mortgage and they have a lot of lawyers to go after the insurance company. The contractor also told me he used to be a insurance adjuster and that he was SURE he will get me more money if only he could speak to my bank ( of course that was all a lie ). I then trusted him thinking this man knows what he 's doing. So a few times I would get to SPEAK WITH XXXX. I did n't know they had all that money for 5 month or any money at all! So my next question was " was n't my name on those checks? '' BOA answered " yes, both my name and XXXX XXXX XXXX was on the checks ''. That means the a 3 way call with ( XXXX XXXX ) the contractor and BOA. BOA would ask me if I would give permission to them to speak to XXXX, of course I said yes. Before XXXX started speaking to BOA he told me I could hang up now, so I did. This happened a few times. In my mind I 'm thinking he 's speaking to them about the insurance company ( like he told me he would ) and about getting more money ( from the insurance co. ) because XXXX was not enough. XXXX 's communication with me was great. Every time I called or text him he would give me ( what I thought ) the updates on whats going on with the city approving the project to get the building built. Five months go by and he continues to tell me stories on why the city is taking so long to approve the project. At this time I 'm thinking the contractors want to get this approved just as bad as I do so they could get started and get their money. I decided to call the city anyways myself and plead with them to speed up the project. In my surprise, when I called the city, they told me THEY HAD NEVER HEARD FROM THIS COMPANY ( XXXX XXXX XXXX ) AT ALL! WHAT?! So I called up XXX to ask if the contractor was even getting anything done on their side. XXX tells me THEY ISSUED THE XXXX XXXX XXXX 2 CHECKS EQUAL TO XXXX SENT DIRECTLY TO THEIR ADDRESS 5 MONTHS AGO! XXX never sent me even a single letter telling me they sent these checks. I NEVER gave XXXX permission to give these contractors any checks, I ONLY gave permission to speak with the contractor. XXXX XXXX XXXX FORGED MY SIGNATURE and cashed it at Chase bank 5 months before I found out!!! I put a police report right away in XXXX police department with detective XXXX XXXX. I find out later that this same contractor was convicted of stealing $ XXXX ( {$65000.00} ) from another homeowner just a few months prior to doing this to me! The owner of Universal Consultant ( XXXX XXXX ) has many prior convictions including another case for {$300000.00} from another customer. I contacted XXXX List where I found this contractor and XXXX XXXX told me this contractor was kick out of XXXX XXXX because they got a lot of complaints. A lot of complaints of taking the home owners money and not doing work for them. Im not the only victim that XXXX XXXX stole from. They were many before me and many after me! | ||||||
| 07/11/2023 | Yes |
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| I first contacted XXXX XXXX, Sr. Home Lending Advisor at Chase , on XX/XX/XXXX about a mortgage on a home purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I almost immediately received pre-approval and acknowledgment that my financial profile was so solid that she would be shocked if I wasnt able to close by XXXX. By then, my {$580000.00} offer on a co-op had been approved and we were proceeding to the contract stage. I agreed to put down 10 %, leaving {$520000.00} to be financed. On that same date, I received a mortgage commitment letter from Chase. On XX/XX/XXXX, I received the appraisal, for which I paid {$490.00}. XXXX assured me, it would be smooth sailing from there on out, and we were basically just waiting on board approval to close. Then on XX/XX/XXXX, I received a message from XXXX. She needed to speak to me. When we spoke, she informed me that they had discovered that the co-op was in a leasehold property, which meant we had to take a different type of loan at an interest rate that was nearly 1 point higher, with closing costs that were nearly double what they had been. This, of course, was unacceptable to me. Why should purchasing in a leasehold property with 80 years left on the lease make such a huge difference? She told me that was the requirement of the underwriters and said that if I could find a lender with better terms, Chase would price match, and she would do whatever she could to help me. So that is what I did. On XX/XX/XXXX, I received a loan estimate from XXXX that was very close to the original terms from Chase, and sent it to XXXX. I sent multiple text and emails to XXXX over the next five days. When she finally responded on XX/XX/XXXX, she informed me that I was no longer eligible for the new loan because of underwriter requirements, which deemed my assets insufficient. She also told me Chase would not be able to transfer the appraisal for which I had paid {$490.00}. This, to me, is unconscionable. Why did it take XXXX six weeks to discover that I am buying a leasehold property? What was she doing over the course of six weeks? Going to weddings and indulging in staycations? She basically wasted six of my time when she knew I have to be out of my current apartment by XX/XX/XXXX, AND she refused to, at the very least, save me {$490.00} by transferring the appraisal that had been completed on XX/XX/XXXX. When I told the agent at XXXX about the situation with Chase, he was stunned. It took XXXX six weeks to collect information about the building that XXXX and my attorney were able to obtain in just a matter of days. Plus, if XXXX uses the very same underwriters as Chase, why does the leasehold status make such a huge difference to Chase and not to XXXX? I spoke on the phone with XXXX XXXX, Chases Lending Manager, and he tried to explain the situation to me. While I have no choice but to accept his reason why the the mortgage commitment was reversed, I still believe Chase was negligent in not discovering that it was a leasehold property earlier. What exactly was going on for more than a month after the commitment, and why was I led to believe that I was a slam dunk, given my financial profile, when I was not? ( If a professional journalist with a credit score of XXXX and an annual income of more than $ XXXX doesnt qualify for a home loan with Chase , what does that say about Chase ? ) It should not have taken Chase more than a month to find out that they can not finance a mortgage for that building. Surely, if what Im being told is correct, they would have some record of another applicant in that building being rejected over the course of the past 20 years. This would not have taken more than a month to discover, if due diligence had been applied. If the building is so untouchable by XXXX XXXX and XXXX XXXX, does that mean every owner living there paid in cash? Nothing here adds up. Whats done is done. Ive moved on with XXXX. But I think the least Chase owes me is a {$490.00} refund for the money I spent on a now-useless appraisal. It wont give me back the weeks that I lost dealing with them, but it would at least restore my faith in Chase, a company Ive been connected to for decades, to do the right thing. | ||||||
| 06/14/2023 | Yes |
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| XXXX, XXXX, I applied for the state with the mortgage assistance with my XXXX and XXXX mortgage. They are both with Chase bank. Meanwhile I told Chase rep. on the phone, I am working with state of IL for the mortgage assistance. I need some time to wait for the state decision. Chase should had recording of my phone call. ( I doubt that they would provide ) State denied my application on XXXX. In XXXX I found the reason for denial was my first mortgage was original Jumbo loan. So on XX/XX/XXXX, I borrowed funds and went to chase bank branch to pay the late payment on the XXXX mortgage. I paid over XXXX XXXX to make it current. But when I wanted to pay the XXXX mortgage, banker told me that it was on foreclosure. I can't pay there. I need go home and waiting the reinstatement letter in the mail and email. I finally got email, it was dated XXXX, for my late of {$2900.00}, Chase charged late fees of {$98.00}, plus legal fees ( they called Corporate advances ) {$1700.00}. of total {$4700.00}, more than 50 % the amount my mortgage total owed. I went to branch,XXXX ) asked the itemization of {$1700.00} fee and XXXX ) asked why Chase didn't foreclosure my XXXX mortgage which owed more than XXXX XXXX and just foreclosed my XXXX mortgage Which only owed {$2900.00}. and I never got any notice of this foreclosure. Rep. called the Chase legal department. Asked me to go home waiting for the phone call. In the later XXXX, XXXX from Escalation department called me. XXXX she gave me the reason is my XXXX mortgage was 1 month behind than XXXX one. that is why they foreclosed my XXXX one and not XXXX one. After I verified that they both paid in the same month. last payment for XXXX XXXX, for XXXX payment was made XX/XX/XXXX, and XXXX payment was XXXX XXXX, XXXX. They both paid up. I was late on XXXX that is why on XXXX XXXX I applied for state 's assistance. Then she said waiting for their research report. On XXXX. XXXX, Friday XXXX called me and told me research department found out. On XX/XX/XXXX, Chase got state notification that they got my XXXX mortgage application so that account was internally put in foreclosure protection. But state never notify Chase XXXX mortgage was also in the same application. That is why XXXX mortgage didn't get foreclosure protection as XXXX one. I told her we can call together on the phone with state to verify that I put application for both XXXX and XXXX mortgage in the same application on XXXX, XXXX. She promised me that once she got confirmation with the state, Chase will withdrawal the foreclosure for my XXXX mortgage. She called twice and phone was busy, then she hung up on me. Saturday, Chase rep XXXX XXXX called me about foreclosure. And after I explained to her my whole story, she referred me to talk to Chase XXXX department. Monday, XX/XX/XXXX, I called Chase XXXX department and found out XXXX had closed the case. I called the XXXX 's supervisor XXXX, After heard my story XXXX told me that XXXX was off that day and will reopen the case and ask XXXX to call me Monday. Today is Wednesday already, XXXX never called. Yesterday I also found out from other lawyer, on XX/XX/XXXX, Chase already filed foreclosure case. In the middle of Chase research, regardless Chase send me reinstatement letter and good to XX/XX/XXXX. Regardless I was working with XXXX to solve the problem. Just more legal fees for me. I am complaint about my case is I got sick of Chase Bank unethical practices. Dishonest and greed and lies. they don't care people lose their life saving in the house and had to live on XXXXhe street. They don't care!!! They should be punished for what they cause the hurts and damages on people. I had been very good customer with Chase, and had Chase mortgages over XXXX XXXX. By using cheating and taking advantage of my financial adversary ( had XXXX twice, lost job ). Chase knew that the foreclosure was a mistake and they didn't want to correct. I am XXXX XXXX XXXX now and my husband is XXXX XXXX. to be harasser constantly by Chase rep and I had so many nightmare and sleepless nights. XXXX constant XXXX me. My credit got shot. I had XXXX XXXX XXXX. The stress cause the XXXX pain again. I had to take XXXX XXXX constantly. | ||||||
| 09/22/2023 | Yes |
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| My JPMorgan CHASE Business Complete Checking account was compromised by a cyber thief. Although I have held SEVEN accounts with CHASE for more than a decade, CHASE refuses to provide a remedy to return funds to my business account that were incorrectly deposited by CHASE and allowed to be withdrawn by a cyber criminal named in several previous and ongoing law suits. CHASE allowed this transaction to take place between one account holder ( myself in MI ) and a known cyber thief with whom they have continued to allow to bank with CHASE in California. When the filing " ruling '' came to me from CHASE in regard to the funds being mishandled and lost by CHASE, CHASE told me their " ruling '' is that " it is not our responsibility to recover these funds. '' CHASE told me that my client, who banks with XXXX XXXX, is responsible for attempting to recover and insure the funds that they, CHASE, incorrectly allowed to be deposited, and fully withdrawn on the same day, into and from the incorrect account. This is unconscionable. CHASE repeatedly states there is nothing they can, or are willing to, do to remedy their mistake. From the moment I learned of this cyber crime in XXXX, both the CHASE Customer Service and CHASE Claims Department, and every department I contact at CHASE including my local branch, tells me there is nothing they can do to help and they are not responsible for the loss. This was not a small mistake on their behalf ; it was {$20000.00}. Chase uses the defense that they sent the funds to the correct account. They state that the routing and account numbers provided to them ( by a cyber criminal to route funds into their already " restricted Chase account '' ) were the correct routing and account numbers and, thereby, we are not responsible. Chase repeatedly confirmed they do not a security system in place to prevent loss. CHASE has no requirement to confirm that an account, both personal and business accounts, matches the account for the intended deposit or withdrawal. As a result, funds intended for my business account were deposited by CHASE ( my bank ) into a cyber thief 's account ( also a CHASE account holder ; an account which had already been " restricted '' due to previous and current identical thieveries and ongoing lawsuits ). CHASE STILL allowed my {$20000.00} to be deposited into AND fully withdrawn from the cyber thief 's CHASE " restricted account '' on the same day it was deposited. Shaking my head. CHASE admits they have ZERO layers of security in place for deposits and withdrawals as it relates to their customers. I conf irmed this with 12 CHASE employees. My {$20000.00} was allowed, by CHASE, to be deposited into a cyber thief 's " restricted account '' and withdrawn, in full, on the same day with ZERO confirmation it was the correct intended deposit account : 1 ) WRONG business name on the receiving account 2 ) WRONG person 's name on the receiving account 3 ) WRONG Tax ID # 4 ) WRONG address in which the account was opened and conducts all transactions 5 ) WRONG state 6 ) CHASE allowed funds to be deposited into a criminal 's CHASE account, who is involved in several MASSIVE national law suits matching the account holder 's name and several LLCs proven to be currently, and previously, involved in IDENTICAL criminal law suits 7 ) ZERO awareness by CHASE that the receiving account was already " restricted '' by CHASE themselves AND THEN 8 ) CHASE allows the same incorrectly deposited {$20000.00} to be withdrawn from their own " restricted '' CHASE account on the same day as the deposit At a total loss for logic at this point, I asked Chase to use their cyber insurance to return the funds to my business account as a result of their mistake. This sensible request on my behalf, was met by the CHASE " Customer Service '' and " Claims '' departments by advising me that JP MORGAN " CHASE does not carry cyber insurance and can not return the funds, '' deposited and withdrawn with permission of CHASE to the wrong recipient account ( CHASE to CHASE ) ; deposited and withdrawn by the cyber criminal on the same day, from a CHASE account. CHASE is telling me it's XXXX XXXX 's problem to remedy. I wish I were exaggerating. | ||||||
| 02/06/2023 | Yes |
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| To Whom It May Concern : I would like to file a complaint to Chase bank. On XX/XX/XXXX, I received an emai from Chase stating that " Federal/state law required them to place a hold on my Chase acount ''. ( I later found out that the date which they actually placed the hold was on XX/XX/XXXX for the amount of {$7200.00} and also for a " Legal Processing Fee '' of {$100.00} ). There was also a message in my checking account, next to amount of the money holds, stating that the holds would be expired on XX/XX/XXXX. I did not know what happened at that time so I decided to wait until XX/XX/XXXX. Then, on XX/XX/XXXX, they removed the holds and paid {$7200.00} to " XXXX '' and charged my account for the " Legal Processing Fee '' of {$100.00}. At this time, I was really confused and scared of losing my hard earned money so I searched and looked deeply in all of the newsletter, message, and statements in my checking account. Then, I found " a new letter '' in the statement saying that " Federal/state law required the bank to place a hold on my Chase acount ''. It was a NOTICE OF LEVY from the XXXX. Right away, I called XXXX ( around XXXX on XX/XX/XXXX ) and asked them about the charge. The female agent from XXXX answered the phone on that day told me that my name was not even in their system. She also said that I had nothing to do with XXXX and I would need to go back to the bank to ask them about the problem. As a matter of fact, I have never applied for XXXX or involved with XXXX for anything in my whole life. After work, around XXXX on XX/XX/XXXX, I went to the local Chase bank and talked to the branch manager about the problem. He did not even want to hear my whole story but telling me to call the number listed on the new letter because he could not do any legal matter at the bank. ( I later found out that this number was supposed to be " Chase Court Orders and Levies department hotline '' ). Then, on the morning of XX/XX/XXXX, around XXXX am, I called Chase Court Orders and Levies department hotline ( XXXX ). The man answered my phone was not helpful at all. He kept saying that the bank already paid XXXX and I had to call XXXX to ask them. I told him so many times that I had already called XXXX and they had nothing to do with me. I even asked him what I could do to get my money back and he did not even give me a straight answer. After all, I requested him to call XXXX to verify that XXXX did indeed send the bank the Notice of Levy to get my money but he refused to do so. He said that I could call XXXX myself so that we could talk three ways on the phone. At that time, I could not do that because I was busy working. After that, around XXXX on XX/XX/XXXX, I called XXXX again, the phone line was busy and I was placed on hold for about XXXX minute. When it was about my turn to speak with XXXX, I used another phone to call Chase hotline again. There was a man answered my phone. Because I was very sure this man was the same man who answered my phone in the morning, I asked for his name and he told me that his name was XXXX. One more time, I told XXXX the problem about the bank gave my money to XXXX without checking with me first and XXXX told me that they did not have anything to do with me. I even mentioned that I was on hold with XXXX and he could talk to the XXXX staff to verify that XXXX had sent the Notice of Levy to the bank. However, XXXX did not want to wait and hung up the phone on me. Right after that, XXXX, the XXXX staff, answered my phone. Again, she confirmed with me that I had nothing on file with XXXX and she suggested that I would file a fraud report to XXXX and follow up with them. Before escalating the problem, I reached out to Chase one last time. I sent a " secure message '' to the bank customer service asking for help but nothing has been done. XXXX, the Chase Email Servicing agent, suggested that I should have called " their Court Orders and Levies department for assistance ''. I called that " hotline '' twice and got nothing but frustration so I am here to file the complain. Please let me know if you need any more information to help me getting my hard earned money back. Thank you very much for your help. Sincerely, XXXX | ||||||
| 01/25/2023 | Yes |
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| This is XXXX XXXX I was told to do this by my son but basically I've never given authority to him to use my card and we can't stop the withdrawals nor did I give authority or consent to Amazon to charge my car to date {$180.00} and some change for I know items I have no knowledge or belief of my son was trying and had entered his data from his XXXX XXXX card but they refused wrongfully for some reason his process transaction to go through I am requesting full refund and have been dealing with a guy named XXXX XXXX and XXXX et.al my name isn't the names that I see on the invoices my name is XXXX XXXX XXXX XXXX XXXX XXXX except you're so this transaction doesn't even name match the card and the transactions and the top that off the evidences and the attachments in the exhibits that I will attach will bring home the truth that a refund and full is old owed immediately to my card and then XXXX and that total amount attached below as a XXXX complaint that was processed and filed already and we have been in the process of resolving it this is to push the ball faster I have bills and I am on the time payment and this has thrown thanks to the defeat and fraud on the debt collection statute title XXXX XXXX has violated XXXX regarding an unauthorized section XXXX card number they have broken the law through a computer mechanism and under 1681, 1692 sections e through K they have invoked harm on me by making me pay for something I do not owe and they have created the cfpb.., the computer mechanisms on the innocent customer myself and I just want my money back the cfpb deals with this this is a banking case and so that's why I'm coming to y'all XXXX well well if it isn't XXXX XXXX XXXX, SECTION 1030 UNAUTHORIZED CARD MEMBER HOLDER FRAUD B.S... SCAMS BEING PUT DOWN BY, XXXX ON XXXX XXXX -- -+ TO MOW A WHOOPPPINGG XXXX XXXX IN FALSE CHARGES VS MY CHASE ACCOUNT THAT I DIDNT ORDER BY SOME UNKNOWN. THE XXXX XXXX " XXXX XXXX WAS PROCESSED, ENTERED, ATTEMPTED ( MY EVIDENCES WILL PROOVE/ ) ON ALLLLL RECENT ORDERS N WAS WRONGFULLY DENIED XXXX INSTEAD THE XXXX LIES, AVERRED, EVEN ALLOWED UNDER ( XXXX THE STATUTE DECEIT N ILLINOIS LEGISLATION GIVES ME PRORECTIONS FOR A FULL REFUND OF XXXX $ TO ASAP BE REFUNDED N FOR SEVERAL REASONS ITS NOT MY ORDER. PLUS XXXX ( B, ALL PARTS DONT ALLOW COMPUTER TAMPERING IN SUCH A BAD WAY.FALSE RECEIPTS N ILLINOIS THAT SECTION HAS BEEN VIOLATEDXXXX XXXX DISPICABLE DECEIT SO BOGUS THAT THEY CLAIMED MY GIFT CARDS WOULD WORK OUT XXXX ANOTHER PERSON BREACHED AS WELL AS THEYRE SYSTEMS SOME LADY A .D, CARD WIT THE BANK OTHER THAN XXXX XXXX WHOCH AT THE TIME OF CHARGES HAD XXXX $ N SIDE OF IT..IT WAS CHARGED CASH N THEYRE WAS NO " DOUBLE ORDER ) SO IN EEALITTT BOTH CARDS MUST BE REFUNDED ( ON CARD XXXX ENDING # -- XXXX $ XXXX $ OR WAT THEY CHARGED IT THEN XXXX $ TO XXXX XXXX IS FAIR BEFORE I GOT TO THEE ATTORNEY GENERAL N TO THE Federal SYSTEM TO INDICT N CAUSE MONETARY PAIN TO XXXX Then..XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX, IL XXXX XXXX : {$2.00} Tuesday, XXXX XXXXXXXX XXXX order # XXXX They STOLE XXXX XXXX CHASE ACCOUNT LOOK CAREFULLY N ME N TOLD Y'ALL MOTHER WISE I USED MY CARD N THEY STOLE FROM CHASE A XXXX ACCOUNT N THE ORDER WASNT EVEN NAME MATCHING TO HER YALL BODIS AS HELL HURRY UP N REFUND ALL CARDS AS A PUNISHMENT RIGHT NOW! OR A FEDERAL LAWSUIT A BOPP OFF EMAILS ALREADY SENT TO XXXX XXXX TO LOCAL AUTHORITY Government for processing. Sorry for y'all losess n look forward for XXXX to assist with this ASAP! exhibits attached speaking facts vs XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX, IL XXXX XXXX : {$2.00} Tuesday, XXXX XXXX XXXX order # XXXX They STOLE XXXX XXXX CHASE ACCOUNT LOOK CAREFULLY N ME N TOLD Y'ALL MOTHER WISE I USED MY CARD N THEY STOLE FROM CHASE A XXXX ACCOUNT N THE ORDER WASMT EVEN NAME MATCHING TO HER YALL XXXX AS XXXX HURRY UP N REFUND ALL CARDS AS A PUNISHMENT RIGHT NOW! OR A FEDERAL LAWSUIT A BOPP OFF Order # XXXX Arriving : Tuesday, XX/XX/XXXX View or manage order Ship to : XXXX XXXX XXXX IL XXXX XXXX : {$2.00} m was contacted | ||||||
| 02/22/2023 | Yes |
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| On XX/XX/XXXX, I received a fraud alert on my Chase Sapphire Reserve card for a transaction made at XXXX XXXX XXXX for {$83.00}. I did not make such a transaction. I called Chase customer service that day at XXXX XXXX to review the transactions made and identified two other fraudulent transactions. At the time, Chase reassured me that I would not be responsible for those fraudulent transactions. A new card was mailed to me with a different card number, and I promptly stopped using my old card. On XX/XX/XXXX at XXXX XXXX, I received a phone call from Chase. During that call, Chase claimed that I was present during those two transactions and would be responsible for paying them. In a subsequent notice sent later that day, Chase claimed the reason was " You received benefit from this transaction. '' During the phone call, which was recorded by Chase, I was asked to confirm that I still had the physical card. Chase used this as evidence that I, or someone in proximity to me, had used the card in person. The timeline of the transactions communicated to me is : - # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 transaction is the last legitimate transaction I made with my credit card. The # 4 transaction is what Chase declined and alerted me to. The # 2 and # 3 transactions are the ones I flagged as fraudulent after review, but Chase is now claiming responsibility for them. Chase informed me that they were able to reach this conclusion because : 1. Chase 's backend data record indicates that the XXXX chip was used in those transactions. 2. The sequence number produced by the chip is in strict increments. 3. I confirmed that the card is still in my possession. 4. By claiming " You received benefit from this transaction, '' Chase made an accusation that I am involved in defrauding Chase for a total of {$67.00} from the two transactions. I would like to assert that the card never left my wallet, and I was physically at home at XXXX XXXX on XXXX. I would like to challenge Chase 's logic in reaching this conclusion and accusing my character. Chase claimed that the transaction data record is proof of in-person usage. How are these data collected and stored? What kind of XXXX device is used for these transactions? Are the XXXX devices compromised with malware or intentionally modified by the owner? Is there any payment processing partner involved? Are the data all properly encrypted during transit? How is Chase protecting customers ' transaction data? Who has access to transaction data after they are collected by Chase? Are they immutable after the collection? Chase claimed that the sequence number increments recorded are proof that the transactions were done in exact sequence in person. They are referring to the Application Transaction Counter ( ATC ) in the Card IC. The mere increment of the sequence does not rule out the possibility of a cloned card. In a paper published by XXXX ( [ XXXX : XXXX ] ( https : XXXX ) ), the authors demonstrated protocol-level weakness on pre-play attacks for XXXX XXXX cards that attackers with compromised ATM and XXXX devices can pre-record cryptograms and use them later. This would cover my case here exactly, as I have not been using the card since XX/XX/XXXX, and I was not able to use my card afterward once I reported the fraud. Chase 's own fraud detection algorithm flagged transaction # 4. I fully cooperated with their initial and subsequent reviews in a timely manner to report fraudulent transactions. How can Chase claim and advertise XXXX XXXX XXXX when they are now trying to put responsibility on transactions I reported to them? Chase accused my character, claiming I received benefit from the two transactions, {$67.00} in total. I have spent close to {$50000.00} on the card over XXXX alone and have paid them in full every month since opening the account in XXXX. There is simply no reason for me to attempt to defraud Chase. Overall I believe Chases logic in fraud detection is flawed, its overall attitude toward Customer is bad. | ||||||
| 12/02/2023 | Yes |
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| On XX/XX/XXXX I received a call from a XXXX number. The lady said she was with Chase fraud department. Asked if I had used my card in Arizona. She said they had declined the charge and would cancel my card ( which I still had and had not lost ) and issue me a new card. She gave the last XXXX digits and the pin number. I verified my address to where to send the new card. ( XXXX, XXXX ) Something felt off and I wanted to verfiy the call so I called the XXXX number for Chase on the back of my debit card. The Chase employee verified that indeed Chase fraud had called and yes the {$5.00} fee to expedite the card was standard. I thought all was good until the next day when I received a call from the same XXXX as the initial call. A gentleman said he was with Chase fraud and was following up on the call from yesterday. I was asked if I had set up fraud protection text. I stated on I had not. He said he would do that now. He would send me a dummy charge via text but it would not show up on my account and to let him now when I received the text. While I was waiting on the text I opened my bank account. As soon as the text came through the charge appeared on my account. I told him it had and he acted surprised and stated his supervisor would fix the issue. Within minutes other charges started to show up. A {$500.00} deposit was made into my account to appear as they were fixing the withdrawals. The {$500.00} was actually a transfer from my savings into my checking. I hung up immediately and contacted Chase claim department. The female employee asked it I had received the new card ( it had been less than XXXX hours. I told her I had not. She canceled the card and my origimal card because it had not been canceled as the XXXX lady said it would. She explained I would receive a temporary reversal of those charges as they investigated. I received the ATM charges reversals XXXX but not the store charges XXXX. After several phone calls over several days without progress I went into the branch. The branch manager called the fraud department and gave them the details of the call and also that I had spoken to one the managers of the stores where the card was used and was told that it was a female who used the card and they did have cameras at the register. The fraud depart told her that I should hear something by the following week. The branch manager and I talked further about the charges and the details and she remember that there would be XXXX tracking number on the replacement card. We discovered to was delivered to a completely different address than mine across town. All of the charges occurred within a XXXX mile radius of this home. Several days later I received the temporary funds for the store charges. On the XXXX I received a letter via my online account that the temporary funds for the ATM charges were now permanent. On XXXX the XXXX I received a letter stating that the temporary funds for the store charges were being removed due to authorized use. When calling I was told because a pin number was used they would not refund those charges and if I wanted my money I would need to seek it from the individual stores. I explained I had never been in posession of this card and it was mailed with a tracking number to an address I have never lived in or even know. I am at this point certain this was inside job from a chase employee and said employee who ordered and mailed the card also gave the person living at this residence the pin number she had given me. I have made a police report with the XXXX police department and have gathered documents to submit Monday morning ( today is Saturday ) These documents include XXXX ) Debit Card Account Summary showing where the card was sent and the XXXX tracking number. On this page it also shows the card was activated ( I did not activate it, due to it not ever having been in possession of the card. XXXX ) Proof of Delivery XXXX ) XXXX Police Report Case # XXXX XXXX ) XXXX phone records, XXXX ) Contact history Search on my bank account XXXX ) Withdrawls and Deposits from XXXX to XXXX XXXX ) Federal ReserveComplaint Confirmation I will aslo be contacting the Federal Trade Commission and the Oklahoma Attorney General. | ||||||
| 10/04/2017 | Yes |
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| Chase has committed multiple violations to the XXXX XXXX XXXX ( XXXX ) of XXXXOn multiple occasions we made attempts to bring our account current by utilizing the HAMP Tier II, mortgage relief program. This program is one of many designed specifically to help homeowners such as myself resolve delinquent mortgage balances specifically on our 2nd home located in Louisiana. We have been overlooked on every attempt to apply for loan modification assistance prior to HAMP being dissolved on XXXX XXXX, XXXX, to my knowledge this program does not exist anymore and our families loan servicing rights have been violated under Real Estate Settlement Procedures Act ( RESPA ), Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act, ( FCRA ) 15 U.S.C. 1681. Our family has been victimized for a majority of the duration of time that our loan has been serviced by Chase, in the form of countless unwarranted denials to modify our loan, coupled with countless foreclosure attorney fees which are erratic and inconsistent for the exact same foreclosure actions, within the same county and regarding the same property. These egregious acts of random charges are in violation to Dodd-Frank Wall Street Reform and Consumer Protection Acts ( Dodd-Frank Act ) prohibition on engaging in unfair, deceptive, or abusive acts or practices. These actions are also violations to the XXXX Code of Professional Responsibility, as it pertains to the law firms imposing the fees and Chase in turn enforcement of such illegal costs and fees. As the XXXX XXXX XXXX ( XXXX ) has stated, In fixing fees it should never be forgotten that the profession is a branch of the administration of justice and not a mere money-getting trade. The foreclosure fees are grossly exorbitant and disproportion to the service alleged to have been rendered, identifying these factors as fraud, misrepresentation and Moral Turpitude.LINE # 9- $ XXXX XXXX Fee LINE # 15- $ XXXX XXXX Fee LINE # 17- XXXX {$630.00} Attorney fee LINE # 18- XXXX {$200.00} Court fee LINE # 19- XXXX {$80.00} Court fee LINE # 20- XXXX {$500.00} Sheriff LINE # 21XXXX XXXX {$400.00} Title fee LINE ( XXXX ) # 22 THRU # 28- {$10.00} x 5 - As Misc. Fee Assessed -- -- Less than four months duplicate fees were assessed -- - LINE # 29- XXXX {$350.00} Attorney fee LINE # 30- XXXX {$670.00} Sheriff LINE # 31- XXXX {$120.00} Title fee LINE # XXXX XXXX {$50.00} Court fee LINE # XXXX XXXX {$150.00} Court fee LINE # 35- XXXX {$100.00} XXXX fee LINE # 46- XXXX {$10.00} Misc. Fee Assessed LINE # 47- XXXX {$10.00} Misc. Fee Assessed LINE # 53XXXX XXXX {$250.00} Attorney fee LINE # 54- XXXX {$88.00} Court fee LINE # 55- XXXX {$460.00} Court fee LINE # 87XXXX XXXX {$78.00} XXXX fee LINE # 89- XXXX {$400.00} Attorney fee LINE # 90- XXXX {$78.00} XXXX fee LINE # 97XXXX XXXX {$170.00} Attorney fee LINE # XXXX XXXX {$150.00} Attorney fee LINE # XXXX XXXX {$60.00} Misc. Fee Assessed LINE # 104- XXXX {$85.00} Misc. Fee Assessed LINE # 105- XXXX {$80.00} Misc. Fee Assessed LINE # 107- XXXX {$80.00} Misc. Fee Assessed LINE # 122- XXXX {$350.00} Attorney fee LINE # 123- XXXX {$770.00} Filing fee LINE # 124- XXXX {$250.00} Title fee LINE # 125- XXXX {$270.00} for sale fee LINE # 126- XXXX {$150.00} Misc. Fee Assessed LINE # 132XXXX XXXX {$78.00} XXXX fee LINE # 138- XXXX {$78.00} XXXX fee LINE # 152XXXX XXXX {$130.00} Misc. Fee Assessed LINE # 153XXXX XXXX {$270.00} Title fee LINE # 154- XXXX {$2800.00} Foreclosure sale cost LINE # 155- XXXX {$750.00} Foreclosure sale cost LINE # 156- XXXX {$1500.00} Filing fee LINE # 170- XXXX {$380.00} Attorney fee LINE # 171- XXXX {$75.00} Foreclosure sale cost LINE # 172- XXXX {$70.00} Foreclosure filing cost LINE # 186- XXXX {$300.00} Foreclosure filing cost LINE # 195- XXXX {$660.00} XXXX Misc. Fee Assessed TOTAL FORELCOSURE FEES OF {$14000.00} Furthermore this loan was originated as a predatory adjustable rate mortgage with Washington Mutual. Per the XXXX of XXXX, all of these predatory adjustable rate mortgages were to be eliminated from circulation by way of modification of these loans by Chase and this failure further support my argument while incriminating Chase in their years of abuse against my family. | ||||||
| 05/20/2023 | Yes |
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| My wallet was stolen and therefore my ATM card was in it was also stolen I reported it to the bank. They wanted to file a dispute on the charges that were made from the date that I told him that my card was stolen to present so I agreed then they said they were going to give me a temporary credit for the amounts that were in the dispute but I never received any temporary credit because the bank account was closed they said that they were going to issue me the temporary credits in the form of a check I believe because the account wasn't closed wait they said I should wait XXXX hours till that check would be in my mailbox which I did and it was nothing in there I contacted them back after the XXXX hours and let them know that there was no check in my mailbox as I contacted them back the bank said that the action was reversed and that they were going to take back the temporary credit I never received any temporary credit so and they charge my savings account that I had with them for that temporary credit and it shows on my bank statement that debit due to claim this left my bank account in the negative now and I contacted them and asked them why that was why that happened. For about a month and a half now I've been contacting Chase Bank everyday and been on the phone on hold for over hours at a time I asked him if they could contact me back when they got the information they said they wouldn't so I must stay on the phone for hours and hours and wait for them to respond back when I finally got a associate that understood my problem and wanted to investigate into it they said that they would leave notes into the account so that the next person would be able to pick up where they left off and no notes were ever left or any information about my problem I tried to explain to them as clearly and as open as possible and they will just switch me over to another department and then that department was so true to another department and I'd end up going around the whole company within an hour. I've asked him to check the transaction records to show where I use this temporary credit and why I'm being charged for it and they sold nothing on my part of me even using it they say that a check was mailed off to me on XX/XX/XXXX but this was in the year of XXXX and has nothing to do with this and they keep relying on a check is being mailed to me but they're referring to something that is old the last associate that I spoke with from Chase Bank about this discrepancy said she didn't have no information on it and she could not help me and that I needed to step into the branch in order to get help any further because she did not know or what to do so I stepped into the branch and asked for helping there they did not know where to send me or what to do so now I'm stuck with my credit report showing that my bank account is in the negative and that my other account was charged off and they don't know how to fix their own problem when they wrongfully debited my savings account for the temporary credit that I never used.they would end up hanging up the phone on me and I would have to start all over and recall again. My credit report has been affected due to this and is reflecting that I have a negative account balance in my bank account my savings account and therefore that has deflected me from trying to purchase or even rent a home since I've been living in my car trying to fix this problem every day for the past month and a half. Everybody 's time is worth something and I feel that I've been robbed of all this time sitting on the phone on hold while they are not carrying to fix this problem and hoping that I would just hang up.they would leave me on hold for over a hour scrambling to find information and than disconnecting the call.i had to stop my life on days because I needed to fix this problem and had to be on the phone.i could not get them to call me back or ever escalate this problem they would transfer me to a supervisor who rarely would sympathise but would transfer the call to another department The bank is CHASE amounts are {$240.00} and {$100.00} the date this was filed began on XX/XX/XXXX i have received any money or help to this problem.please help | ||||||
| 04/01/2022 | Yes |
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| In XX/XX/XXXX, I refinanced my home to pay off this loan to make a large purchase for my home business. The title company I was working with ( XXXX ) sent a pay off check ( about $ 66k ) for the amount quoted by Chase Bank. After 10 business days, the check could not be found by Chase, so a stop payment was put on check by XXXX. I called Chase several times and was told the check would be applied and the official payoff would backdated to XX/XX/XXXX. I was promised this would not hurt my credit and no fees would be applied to the account. A new check was sent by XXXX via XXXX XXXX, which was received/signed for by Chase on XX/XX/XXXX. On XX/XX/XXXX the loan balance had dropped and showed an outstanding balance of {$230.00} which I believed were late fees and accumulated interest. Since I was told the the XXXX check was not received, I called to have late fees and accumulated interest reversed, assuming the XXXX check had been applied. Chase refused to waive the balance, despite several promises by many customer service reps that everything would be " wiped clean ''. On XXXX I decided to pay the small balance to keep my credit intact. When I opened Chase app to see what the balance was, the entire loan balance was put back on acct by Chase ( $ 66k ). I called and was told they applied the XXXX check ( the one they previously lost ) to the account, which bounced as it had been stopped by XXXX. They could not locate XXXX check ( which was delivered by XXXX XXXX and signed for by Chase on XX/XX/XXXX ). I disputed and spoke to 10+ customer service reps and two supervisors. No resolution, they promised me multiple times that they would not send a negative report to the credit bureaus and that once XXXX check was found and applied, all fees would be waived, and all accumulated interest waived. A few days later, the loan balance again showed a balance of around {$230.00}. I thought they had finally located and applied the XXXX check. After a few more days, the entire loan balance ( $ 66k ) was back on the outstanding balance. I called them and determined they attempted to apply XXXX check to account AGAIN - a second time. Around that time, I was notified by XXXX XXXX and XXXX XXXX that my credit score dropped XXXX points due to delinquent Chase auto loan. The loan balance now is again at around {$230.00}. When I called to again have the balance waived, I was told they had no record of the XXXX check ( The one they applied to the loan twice that bounced as it had been stopped by XXXX XXXX ). They told me I have to prove that check was received by them in order to dispute the final balance. I pointed out they had applied the check to the account twice- the representative told me without a tracking number, the final balance is my responsibility. I have documented all pertinent calls, dates, times, and I have documents from chase ( statements ) showing the loan balances throughout the process and I have a letter from XXXX with their actions. Both check numbers are identified in my letter to Chase ( attached ). I have received letters from Chase threatening repossession of the vehicle. I sent two letters ( certified mail ) to Chase. 1 to customer service, 1 to credit disputes dept. No response from Chase. I can't resolve this issue and I have made every possible effort to do so. Chase repeatedly broke promises, failed to resolve any of the issues with my account, and they have ruined my credit score. By reporting their mishandling of my account to the credit bureaus, Chase has put responsibility for their failures to receive, track, and apply a check from a title company to payoff a loan. My credit score is down, and now I can not get a loan for my business expense. The {$230.00} balance is still showing on my account as an outstanding, overdue balance and they refuse to help me. They will not escalate my issue to anyone above a supervisor and they have refused me the opportunity to speak with someone with authority to resolve this. This has been going on for 49 days. Please help me get this resolved. I am beyond frustrated, disappointed, and angry. I have lost all confidence in Chase and their banking and business ability. | ||||||
| 09/12/2023 | Yes |
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| I have been a good Chase client for many years and run all of my business transactions through business checking or my chase credit card. Last Friday, XX/XX/XXXX, I went to my regular branch at XXXX XXXX XXXX XXXX to deposit two checks for {$22000.00} and {$5000.00} totaling {$27000.00}. When I approached the teller, I was met with XXXX XXXX, visiting branch manager. Instead of depositing my checks at the counter, he walked me over to the ATM machine and put them in my account that way. I objected but he insisted. I was a little put out because I could have done that myself at an ATM much closer to my office. Sure enough both checks were rejected, which I did not know until the following day when the money wasnt in my account. No one could help me over the phone so I canceled an appointment nd returned to the branch and spoke with XXXX XXXX. He was not particularly helpful and said I needed to wait 7-10 business days for the checks to be returned to me. When I asked him what was wrong with the checks that HE deposited into the ATM, I pointed at him, emphasizing that it was him who received the checks from me. He became very agitated and told me not to point at him so of course I moved my hand. He became loud and aggressive and gestured to the security guard to escort me out of the bank. The security guard grabbed my arm, which is a whole other issue and embarrassed me in front of a bank full of people. I left the bank. I have been a part of this community for 30 years and do a lot of business in XXXX XXXX county. It was mortifying to be treated like a common criminal. Nonetheless- I left and finally got a customer service rep to explain to me that the checks were not filled out properly, a simple mistake that would have been caught by a teller had XXXX XXXX had not flexed his authority and insisted on putting them blindly into the ATM. As much as this all inconvenienced me, I had no intention of filing a complaint and just decided to use a different branch in the future. Fast forward to Saturday afternoon and my business credit card didnt work at the gas station. I am still grateful it was just that and not an embarrassing situation with a valued vendor. Another lengthy phone call to Chase, on a weekend, and I was finally put in touch with XXXX who said my business credit card had been CLOSED and the note attached claimed it was because of my behavior in the branch. So, after being treated abominably by your XXXX XXXX, he took it one step further by intruding himself into my credit card account WHICH HAD NOTHING TO DO WITH THE TRANSACTION THAT GOT HIM SO MAD AT ME. My credit card account is not controlled at that branch and in no way under the authority of XXXX XXXX and his violation of that account is the most egregious misconduct I have ever encountered at a financial institution. My credit is not his to sabotage. I was in finance for many year and can only compare what he did to canceling a clients life insurance policy because I didnt agree with how that client invested their IRA account. I was referred to a representative at the Chase banking fraud dept. who further advised me that the note on my account said it was closed due to a lost or stolen credit card which is a blatant lie. So XXXX XXXX either filed a false report on my behalf OR committed identify theft by claiming to be me when canceling the account. I am so outraged by this sequence of events that I can not adequately begin to determine what I need to do to keep my money safe. Obviously I have to clear out my Chase accounts and move to another bank, at great inconvenience to myself and my staff. But then I realized that doesnt solve the problem of XXXX XXXX XXXX He has violated the trust that has been placed in him by me, my employees as well as every other customer at every branch he manages. I am not keeping my money at the mercy of his criminal activities. He is a bully and a horrible representative for Chase. I once again have to take time out of my busy day to try to fix what he did. I will go as far over XXXX XXXX head as is necessary. And then I expect a formal apology from Chase and whatever punishment, including termination, that XXXX XXXX deserves. | ||||||
| 07/03/2023 | Yes |
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| I was offered a job on XX/XX/2023 as a remote clerical assistant from a company called XXXX XXXX XXXX XXXX. I received an email, and underwent through an interview that same day. The interviewer asked me to install an app on my phone called XXXX, which works like XXXX, however, we did not call during this interview, and chatted through text instead. The interviewer 's name, although is most likely a facade/pseudonym was XXXX XXXX XXXX The number I needed to use in order to contact/add her was XXXX XXXX XXXX, however, the number is not registered. She talked me through the process, and what my duties were to be, and after consideration, I was hired onto the team. I was sent a link to their site, and was promised a high compromise in pay between {$21.00} and {$25.00}. She would then tell me I would need very specific hardware, like an XXXX XXXX, a printer, a desk, software -- very necessary things in order to do such a job. There was an odd one she mentioned, like a " XXXX XXXX bar-code printer and cards ''. Of course, I didn't have all of these, and assumed she would be sending this equipment, but she instead told me she would be sending me a check for {$6600.00} in order to buy the necessary equipment, as well as an included {$250.00} sign on bonus. The check was mailed out on Tuesday, XX/XX/2023, and arrived the next day on Wednesday, XX/XX/2023 via XXXX. As a matter of fact, I still have the letter the check came in. I deposited the check on the day it arrived after work, with the full amount of {$6600.00} being in my account the next day on Thursday, XX/XX/2023. From here, I was told by XXXX I would be purchasing equipment from several company authorized vendors, as she stated I would be getting custom equipment with my, and the company 's name on them. The first transaction was going to be sent to a XXXX XXXX XXXX via XXXX for {$1500.00}. This would be done through her email of XXXX. Through my bank, as Chase is partnered with XXXX, I could not send more than {$500.00} to new/unknown recipients. I informed XXXX this would be an issue, and sent the money. Chase called me quickly thereafter to inform me, and confirm that I would like this payment to go through. I agreed, letting them know this was for a new remote job opportunity I was currently engaging in. I asked XXXX if she would confirm with XXXX that she got the money, but she told me to disregard the payment, since they 'wanted me to start as soon as possible ', and would instead request me to withdraw {$5800.00} in cash in order to mail to their approved vendors. At this point, as my mom is a banker who was helping me through this, advised me that no legitimate company deals in cash through transactions. By this point, I caught onto the scam, and called her out, saying it was awfully fish, and very scam-like that I would need to send cash to a business. She quickly turned face, and gave me a sob story of being XXXX, and how transparent she was during the entire process. I did not hear back from XXXX after this day ( Thursday XX/XX/2023 ). Once I was home from work, I looked up the business, and attempted to call the number that popped up on XXXX, but was instead met with a man who only spoke XXXX. I tried calling XXXX, but as previously stated, the number simply isn't registered. I then contacted XXXX XXXX through the email I was given, and began to talk to her. Unfortunately, she was also victim to this scam, and used my {$500.00} she received to send to a bitcoin address, as she was also promised a job offer. However, like I had told her, I was demanding my money back, since it was my money that she used during this scam. She told me, the scammers are the ones who owe me money, but as I kept telling her, she was using my own money, and therefore, she owes me {$500.00}. Unfortunately, however, Chase has denied this request of refund on the grounds that I have approved/authorized the payment through XXXX, despite not only the evidence of a fraudulent check being processed, and returned, but even notifying one of the employees physically at my local branch. I have also filed a report with the FBI, FTC, and even the banking commission in order to receive the money lost. | ||||||
| 07/26/2023 | Yes |
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| On Monday XX/XX/XXXX at XXXX AM XXXX ( my local time ) 3 unauthorized fraudulent charges that were made on my Chase Sapphire Credit Card. That morning, nearly 4 hours later when I woke up, I immediately called Chase Sapphire to report the 3 unauthorized Fraudulent purchases that were made on my Chase Sapphire Credit card from XXXX XXXX that amounted to {$10000.00}. Nearly a month later, the charges randomly showed back up on our and I again called Chase Sapphire reporting and stating the I did not authorize these charges and that these are fraud. On estimated XX/XX/XXXX I noticed that for an unknown reason these charges got reposted to my account. I called the morning of XX/XX/XXXX to report that these charges for whatever reason had come back a 3rd time without any communication from Chase Sapphire. I then called Chase Sapphire to report the fraud again, but was rerouted to a new team where I was suppose to be contacted by a Chase Fraud investigator in an short period of time. I received only one call, on XX/XX/XXXX from XXXX exceeding the days from what I believe I was told that I would hear back from them. I requested to be called back from the investigating team, and still have not gotten another phone call from the investigating team as of XX/XX/XXXX. I stated over the phone and provided written emailed legible and properly documented facts to XXXX that these 3 charges are Fraud and were unauthorized. I have my local police department in XXXX XXXX Arkansas investigating the fraud : Case : XXXX with XXXX XXXX and XXXX XXXX XXXX Additionally, have submitted a FBI Report, and I have additionally filed under XXXX reference # XXXX because it is now clear that my identity was compromised on XXXX, XXXX, XXXX, & Chase Sapphire. Listed is my statement to XXXX " Good afternoon, I am filing additional information to support the fraud issue at hand. I am extremely disappointed in hearing that the charges were posted to my account and would love to get this fraud resolved as soon as possible. Listed are the timelines that need to be reviewed. XX/XX/XXXX at XXXX XXXXXXXX CST 3 separate fraud charges were posted to my Chase Sapphire credit card. I called as soon as I woke up that day around XXXX XXXX CST. I provided to Chase immediately that these were fraud as I was in XXXX AR at our home asleep at XXXX XXXX. If you need help confirming I was in AR I provided a photo from evidence. My XXXX account XXXX was compromised to make these purchases as well as a XXXX account and XXXX fraudulently a person used my name to make a transfer of these tickets which I have shared that information below. I do not have any relationship with this human nor do I have any contact information ever with the human. Again, I can not stress enough that I did not purchase these and that these were indeed a highly advanced fraud. Of the 3 rounds of tickets purchased I only received one email on my XXXX identifying these as fraudulent. For a reason I do not know, 2 of the 3 showed back on our account. I am both extremely disappointed that Chase viewed only 1 of the 3 purchases as fraud and equally disappointed that Chase did not see that nowhere in my history have I ever spent multiple thousands of dollars on tickets in XXXX XXXX for an event like this nor was I in XXXX XXXX for the event at the time of the tickets purchased which you will see in a document we were in a XXXX in XXXX Arkansas. Please reference the IP address shared by XXXX and my attached IP address to authenticate that it was not me that made the purchase. I was in XXXX Arkansas the day of the purchase and the day before. I have filed a police report with the XXXX XXXX police with officer XXXX XXXX # XXXX Case : XXXX Credit Card Fraud To conclude, I am confirming that these charges are indeed fraudulent that I, XXXX XXXX XXXX, did not authorize and in accordance with your " 0 Liability Protection Policy '' I ask you to remove these fraudulent charges from my account. If you need any additional information from me please contact me and I will be happy to help clear this. '' Chase Visa has been noncompliant throughout this process and continues to share illegible documentation. | ||||||
| 02/01/2021 | Yes |
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| I have a checking account with Chase Bank. Under this joint checking account I have with my husband, I have two college accounts for my daughters in college and one for a high school son. One of my daughters has a savings account as well. My parents are generous with their children, and one of the things they do every year is match my children 's W-2s. One daughter needed money to make a school bill so I obtained and deposited her check asap to meet that bill. This check was for {$10000.00} and was written by my mother, also a Chase customer, from a money market account of another institution from which Chase a long paper trail of checks cashed in this manner through our accounts over years. I deposited this particular check on Wednesday, XX/XX/XXXX. As expected, there was a hold put on the check until they could " verify '' so I knew these would not be immediately available. What I did not know nor did I realize was even possible let alone legal, Chase because of this check put a freeze ON EVERY SINGLE XXXX OUR FAMILY HAS TO OUR NAME. They didn't bother to tell us but we found out as my husband went to the junk yard to try to fix an old vehicle and couldn't XXXX. My daughters who are working their hind ends off on night shifts were not getting paid even though HR said they had been paid and everyone else in their department was paid. My daughter who is 800 miles away from me trying to buy a cup of coffee and her ATM card is not working. My son is hours away with a football team and can not purchase food. They had their debit cards, there is plenty of money in the accounts but apparently there is an " algorithm '' that was tripped and this took away our ability to live on this earth in an instant. I called the bank on Friday night as I'm realizing we have a major issue. No fraud notification no indication on my online account that there is a problem with an account. Even in the declined charges, no notice as to why this is happening AT ALL. My husband as well was supposed to be paid over the weekend. All three pay checks are still not in our accounts ( around {$8000.00} ). The bank said maybe Tuesday. Really?? How legally can these people withhold paychecks?? The " freeze '' was after hours on the phone finally resolved Saturday morning but issues including the disappearance of our pay checks is one. All these people had to do was call my mother to verify she wrote the check and that lifted the " freeze '' although it was extended due to a " systems update '' I get that these companies are huge and there's no controlling the beast so to speak, but when they can upend someone's life for something as ridiculous as this, we have a problem with the laws in this country. If you can do this to someone you better have a 24 hour 7 day something dedicated to fixing this on the spot. You also should be required to notify the second you freeze an account. The fact that they can freeze your accounts and just sit and wait for you to sort it all out and give them a call is completely criminal. The cherry on the sundae is that I have four checks to deposit ( two from my husband 's work that are reimbursements I deposit every month ) and two from my mother for my other two children. I was told there's no guarantee anything anyone deposits won't trip the monster system and cause as a similar nightmare. I have to find a safe place to deposit checks now. On a normal month, we live enough month to month, I would have lost health insurance through the marketplace because while your policy is not canceled for three months, you have to pay your premium XX/XX/XXXX or lose use of that policy. I have a cushion right now that I have rarely had. Withholding of my husband 's paycheck is outrageous not to mention my children 's. Obviously, I am leaving Chase bank and if I can all banks, but that will be a bit of process and take me a couple weeks. This whole situation is outrageous on every level and has to be fixed in our system. I knew if I joined a cartel or did something off shore perhaps this could happen, but that this can happen just randomly and with no explanation to people honestly working and trying to make it month to month is obscene. | ||||||
| 12/15/2022 | Yes |
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| I received a check in the mail from my car insurance company. The check was drawn from Chase Bank. The check was written to both my wife and I. Both my wife and I, arrived at the Chase Bank at XXXX off of XXXX XXXX. When we arrived there were 2 customers being taken care of at the window. The representatives were extremely kind to them and they were all having holiday and life conversations. Once it was our turn to approach the window, we were greeted with a simple and dry what can I do for you? The change in tone made me feel uncomfortable ; it was very different from the conversations and tone that was being given to the previous customers. We presented the check and we were told by two employees that it was a chase policy, that they were unable to cash our check. My wife and I, asked why ; the representatives stated that the Chase policy stated, you can not cash a check that is written with two names on it. I said, but both parties are present and we both have 2, pieces of valid government issues Identification. I dont understand whats going on. I asked can you get a manager to assist, this just doesnt make since. The second representative chimes in and reiterated that that is the Chase policy and we can not cash that check ; sorry. There is no manager available, again this is the policy for all Chase branches. The original representative stated he would try and run the check but it wasnt going to work, but since I insisted, he would try. He goes in the back of the office ( where we cant see him ) and he comes back and says, unfortunately it did not work. Youll have to deposit the check at a bank where you have an account. Have a nice day XXXX XXXX. Although, he was speaking to me, why would he come back he only address my wife. My wife and I, leave the bank. My wife wasnt feeling well so I took her home. I had another errand to run, and as I was driving, this situation just didnt sit well with me. I felt that I was treated differently because I was XXXX XXXX. The customer service representatives were Caucasian and the customers who they were assisting before my wife and I, were also Caucasian ; those customers whom the representatives were overly kind to. So kind that in observing, my wife said the people here are very nice. Why didnt they show that same kindness to my wife and I. Why wouldnt they get a manger for us, attempt to get one on the phone. Try to find a way to assist my wife and I through this process? On my way to my next stop, I saw another Chase branch. I decided to stop. I go into the branch and present the same check and explain the previous situation to the representative. She stated, I can cash this for you but I need your wife present, and you both will need 2 pieces of government issues IDs. I also asked this representative, what was the policy on checked issued to, two individuals. She pulls up the policy and she said there is no where within this policy that it states we can not cash checked issued to two individuals. I went back home, picked up my XXXX wife, to drive her to the XXXX XXXX branch. We arrive, the representative asks for our 2 pieces of ID, and runs the check, in front of us through the machine, not in the back office where we cant see, and cashes the check. She made us aware that there was a {$10.00}, check cashing fee, we agreed and she counted out our money and placed it in an envelope. My wife and I feel discriminated against. Why did the first branch deny our check to be cashed, why were we greeted and treated different from the customers that were serviced before us? This interaction and experience caused me to feel sick to my stomach with a tightness in my chest. I contacted Chase customer service and Chase headquarters out of Ohio, both representatives and supervisors told me that there was no policy that prohibits checks from being cashed because there are two people listed on the check. The supervisor at headquarters, apologized that I had to go through this and assisted me in starting a customer complaint case. I filed a discrimination complaint directly with Chase Bank on XX/XX/22. Case number : XXXX Thank you for looking into this matter, XXXX XXXX | ||||||
| 07/14/2022 | Yes |
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| On XX/XX/XXXX I was in XXXX for a bachelor party and attended XXXX XXXX. I signed documents clearly stating the minimum amount I was to be charged and was told I would be given a bill at the end of our time there. After I left I found not one charge but two. The first charge was a {$2800.00} ( USD ) charge which I had signed for, approved of, and expected. The second charge was a {$1300.00} charge that I was never made aware of, nor did I sign for. I immediately contested this charge saying I never signed for this nor was told of this second charge. Chase then provided me with a notice on XX/XX/XXXX saying this charge has been validated by the merchant, to which I was surprised by. I further provided documentation showing what I agreed to pay for and the itemized receipt. I was then very surprised to find that once again Chase came back to me 6 weeks later to again say these charges are found to be valid. I was again surprised and decided to call the Chase team to better understand what is going on. I was connected with a gentleman named XXXX who was not very helpful and then connected me with his supervisor XXXX who lives in XXXX XXXX. Neither of them were helpful in explaining to me what was going on- they seemed almost cagey like they didn't want to give me the full story. They continued to say that the documentation that XXXX XXXX shared with them would be sent to me shortly but beyond that they were unable to assist me. I continued to try and explain my case to no avail. I was frustrated and felt like I was simply talking to a wall that had no interest in helping me and was prioritizing the merchant 's perspective over their customer. I finally received the documentation from Chase on XX/XX/2022 in the mail. The documentation provided by XXXX XXXX confirmed what my suspicions were : there is not signature on the receipt they are providing for the second charge that I continue to dispute. I was traveling and unable to have the bandwidth to understand what my rights were so waited until XX/XX/XXXX to call Chase again. On XX/XX/XXXX I spoke to XXXX XXXX and her supervisor XXXX. While they attempted to do their best to help they were again unhelpful and not responsive to my request to understand why such a large charge is approved without a signature. In the documentation that I have attached please note the two boxes I have starred and then the arrows and circle around the original, approved charge. The story XXXX XXXX continues to provide is they separated the two charges and gave me advanced notice of this. This is both a lie and false : they never said the charges would be separated, but in the documents that they have provided, they clearly show that the two separate charges combined are the total amount for the original, approved charge. In the contract that I signed prior to entering the venue it states a credit amount as well as a total charge amount. Again, I recognize we went over what the agreed upon total amount was, but not by $ XXXX ( pesos ). I feel like I am being taken advantage of because I was an American in a tourist area doing a touristy thing. Unfortunately this entire system is a game of telephone : I complain to Chase, who complains to XXXX, who complains to their XXXX partners, who complains to the merchant. This chain leaves a lot of information missing and the people making the decision are too far removed from the original conversations. What I find most concerning is that on my call on XX/XX/XXXX, Chase made it seem as though the merchant was able to provide a story that was fully accepted, but for some reason my version and story are not accounted for. There seems to be no consumer protection during this process and I do not understand why that is the case. If you are able to help me in any way I would greatly appreciate that. If this was a couple hundred dollars I'd have let it go by now but this is a significant amount of money that I can not just lose based on a he-said-she-said dispute when the documentation clearly shows I only approved the one charge. Lesson learned - do not put your credit card down in a XXXX club. Do not leave without checking your credit card statement. | ||||||
| 01/27/2022 | Yes |
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| There are 2 issues : the first is Chase not following up with my issue as promised, and the second more serious one is deceptive practices in what prices and fare classes are made available to customers using the XXXX XXXX XXXX looking to REBOOK flights using XXXX XXXX XXXX. I booked a trip in XXXX using Chase XXXX XXXX. I canceled my trip and had airfare credit ( XXXX XXXX ) redeemable only through Chase XXXXXXXX XXXX for two tickets total {$480.00}. It was unclear through the portal whether I had to just rebook my flight by the date that XXXXXXXX XXXX had noted or if I had to complete my travel by then because the instructions note that the rules abide what the Airline policy is. XXXX XXXXXXXX has a policy where you just need to REBOOK travel by a certain date, but travel can occur in the future. To get clarification on this, I contact Chase XXXX XXXX After a lengthy phone call with them, I asked Chase to send me a confirmation email of the rules. They gave me a case number but never followed up. On XX/XX/XXXX I called again about this credit. Though I never heard from Chase, I decided to use my airline credit in advance of the expiration date. I logged into Chase XXXX XXXX to look for flights. I saw the flight options available to my on the portal and tried to rebook. The Chase portal prompted me that I needed to call to use this credit toward my flight rather than being able to do it online. I called an agent and told them I am on the XXXX XXXX portal and have identified the flights I want to use my credit toward. They informed me that for rebooking using existing airline credit, they are only able to offer me DIFFERENT FARES that are higher than is listed on the XXXX XXXX XXXX. It was NOT a matter of fare differences that can change live at the time of researching flights. They told me that NEW bookings versus REBOOKINGS have entirely different prices. But those are NOT reflected on the XXXX XXXX XXXX where a customer should reasonably able to access them in order to make an informed decision on what are the actual prices available. I told them that was misleading and not transparent because whatever prices I am able to view as my options on my XXXX XXXX XXXX should reflect the real options available to me to use. If the XXXX XXXX XXXX clearly noted that REBOOKING flights had different prices and options, then I would not complain. But this portal misleads customers looking to rebook using credit because the TRUE prices and options are not reflected. Again, it is not a matter of prices changing live as I was looking in the portal. The agent repeatedly confirmed that REBOOKING flight options are not visible to the customer on that portal. For example, one of the flights I was interested in was from XXXX to XXXX, XXXX XXXX flight XXXX for {$180.00} main class. I was on the phone live with the agent and no matter how many times I refreshed the page, I was still able to see this flight option but she said the cheapest one for that flight available for customers who are trying to REBOOK rather than book a NEW flight was {$230.00}. If that was the case, then the {$230.00} should be visible to me in that portal with a CLEAR note that the {$180.00} and other reflected prices are for NEW BOOKINGS ONLY. XXXX XXXXXXXX XXXX XXXX has a lack of transparency that does NOT disclose higher prices to customers. In total I spent over 3 hours talking to customer service agents who have not been able to provide any reasonable solution. The last call on XX/XX/XXXX was XXXX hour and XXXX minutes long alone. Today XX/XX/XXXX, Chase emailed me saying that they can not refund my my points or give some resolution and attribute it to changing live prices that are subject to availability. They are mischaracterizing my issue. It is NOT about live prices that are changing. It is about the TRUE cost of flights not being transparent and made visible to customers looking to use existing airline credits. If cost to rebook flights are separate and not the same ones on the portal, that should be clearly communicated and visible in the portal when customers try to rebook so that customers can make an informed decision with real prices reflected. | ||||||
| 07/05/2020 | Yes |
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| Hi, This is regarding the issue I have been facing with closing my checking account ( ending in XXXX ) with Chase bank. I called their customer care on XX/XX/XXXX and requested them to close my checking and saving account. The agent explained me that she will initiate a transfer from my saving account into the checking account and then the process will begin for closing the accounts. I will receive a check worth the available balance in my checking account after transferring the money from saving account. From my online account statement, I can see that the transfer from saving to checking account completed on XX/XX/XXXX and the saving account got closed in next couple of days. Since then I have been waiting for my checking account to close and receive the check. On XX/XX/XXXX, I called the customer care to follow-up and I was told that the closure was pending as they received an incoming transaction into checking account. They were actually referring to the transfer that occurred from saving to checking account, I had not made any transaction in or out of my checking account. Then the customer care person told me that the account will close next week and I would receive my check. I waited for entire week and then again reached out to the customer care find find out exact status as I could hardly see anything moving on the online account. Once again, they told the same thing that the closure was pending and I should wait. I wanted to talk to their supervisor, but I was told that escalation team was not available to take calls. I then wrote email to them from my online account and then I received the response that account closure was processed on XX/XX/XXXX, please note that I requested for closure on XX/XX/XXXX and until XX/XX/XXXX they did not do anything. I then replied back to the email requesting for an exact date by when I would get my check. This time, the response as below ( exact copy paste ) We understand your concern about your account closure and your check for the remaining balance in your closing account. Allow me to review your account and provide you with more information. XXXX, we're unable to give you an exact date of your account closure as well as when the check will be sent to you. Our records show that we processed your account closure request on XX/XX/2020. The current status of your account ending inXXXX is, " Close Pending ''. We'd also like to inform you that if your account has a positive balance, we'll mail you a check for the remaining funds seven business days after the account is closed, unless you transfer those funds to another account. If you recently updated your address, we'll mail it 30 days from the account closure. To receive your money sooner, please visit any of our branches. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here are my concerns with them - 1. My visa is going to expire and I will need to leave US very soon and hence I am trying to close all my bank accounts. Without getting a date from them, it is getting difficult for me to plan as I won't be available in US to receive check. I dont have any other forwarding address in US either. 2. My funds are stuck and I can't withdraw using debit card, can't make ACH transaction either. The only option they have provided me is to visit their branch if I need to get my money faster. There is no local branch of Chase bank in my city and hence this option is not feasible either. I conveyed this to their customer service person as well. They are holding back my money for no good reason and they are not ready to provide any detail on a date by when I can get the money back. When I asked the customer care person on why are they holding back the closure, they told me that they have to wait and ensure that there is no pending transaction. Since I dont have any means of making transaction from my account, I am not sure on why they should keep waiting for some " ghost '' transaction which is never going to occur. I am in need of the money that they have been holding back with them and request you to help me in getting the money back asap. | ||||||
| 05/31/2023 | Yes |
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| I purchased XXXX money orders in the amount of {$500.00} each on XX/XX/2023. The money orders were given to my leasing office, XXXX XXXX XXXX, on XX/XX/2023 via drop box, to pay the balance on my rent. The amount of the money order resulted in an overpayment on my rental account. XXXX XXXX, returned the money orders back to my home address. I deposited the money orders on XX/XX/2023 at a Chase Bank ATM in Missouri. I wrote " Deposit Only '' on the back of the money orders before depositing. The first money order showed partially available for spending. The second money order showed the funds would not be available until XX/XX/2023. I attempted to use the card at a museum on XX/XX/2023 and my card continuously declined. I called Chase and the representative advised the funds were being held because the money orders were addressed to XXXX XXXX. He advised the funds would be released pending verification of the funds availability. On XX/XX/2023, I called Chase again to receive an update on the availability of the funds deposited. The representative advised, the issue was transferred to the fraud department because of suspected fraudulent activity. I was informed the transaction needed to be verified by XXXX XXXX XXXX since their name was on the money order. Chase required XXXX XXXX to validate the information I provided about the money orders being returned. I provided multiple phone numbers for Chase to use to contact XXXX XXXX and Chase advised their system did not recognize the phone numbers. On XX/XX/2023, I called Chase Bank and was again told that they were unable to contact XXXX XXXX, however the representative questioned the purchaser address listed at the bottom of the money order. I confirmed that the purchaser address was mine and upon confirmation, he was able to confirm the contact information for XXXX XXXX. He called XXXX XXXX while I was on the phone and he was get the voicemail of the XXXX for XXXX XXXX XXXX. However since he still needed to speak with someone at XXXX XXXX, he advised me to call back later in the day to attempt to contact a manager again. It was already after XXXX EST, so I decided to call again the next day instead. On XX/XX/2023, I called Chase Bank again and spoke to a representative that repeated everything that the previous representatives told me. I provided the same contact number I provided yesterday for XXXX Homes and the representative was unable to verify the number again. The representative advised that if they are unable to contact XXXX XXXX within the next XXXX business days, Chase would close my account. At this time, I informed the representative that the funds were showings as cashed by Chase and deposited on XX/XX/2023. I also advised that the Chase representative that I spoke with yesterday was able to reach the voicemail of the XXXX at XXXX XXXX. I was also advised by the Chase representative that even if they were able to contact XXXX XXXX, that it wouldn't result in the releasing of my funds. I inquired about providing proof of my money orders purchase again and was again told that even if I could provide proof that I purchased the money orders, it would not help the fraud investigation. I inquired about what would happen to the funds if Chase closed my account. The first representative I spoke today told me that if the fraud investigation could not be sorted out, my account was closed, and the money would then belong to Chase and Chase could spend it however they wanted. The second representative I spoke with advised that if the investigation could not be sorted out and my account was closed, Chase would turn the funds over to the state of Georgia. Both Chase representatives advised that there was nothing further that I could do or provide to help resolve the issue. I purchased both money order with a debit card and I can provide bank statements to prove purchase of the money orders. I have the XXXX Receipts to further prove I purchased the money order. The manager at XXXX XXXX XXXX can confirm the returning of the money order and the reasoning for the return. Chase has stolen money and threatened to close my account and restrict me from opening future accounts. | ||||||
| 10/25/2022 | Yes |
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| On XX/XX/XXXX at XXXX XXXX I made a deposit at my local Chase bank. Location : XXXX mile XXXX XXXX. Term ID : XXXX I was the only car there on XX/XX/XXXX. When I arrived at the the bank I drove up to the ATM and had no cars waiting behind me. I inserted my debit card, then pin and clicked the deposit option, then cash option. I grabbed {$4700.00} in all XXXX and inserted them in the ATM. I could hear the ATM counting the money, so I assumed the transaction would be complete soon. Instead, I received a slip from the ATM that says to be sure your deposit went through, please call us at XXXX. It states the last 4 of my checking account number on the slip. When I woke up the next day, I check my bank account and did not see the transaction. No history of any transaction. I called the number and they told me that a transaction was not pending. I was transferred to the claims department and made a claim. They said they would investigate, but sent temporary funds of {$4700.00} to my bank. I didnt hear back for over 2 weeks, so I assumed the investigation was complete and they found the transaction. On Wednesday, XX/XX/XXXX, they withdrew {$4700.00} from my account. Never received any communication nor updates. I called the morning of XX/XX/XXXX. I spoke to gentleman in the claims department, he told me that the investigation was complete and funds were not found. I asked to speak to a supervisor and was put in contact with XXXX. She completely dismissed everything I said, she told me I can see you were at the bank, but no deposit was made. I have a slip that says otherwise I went to my bank ( the bank I made the deposit on ) and spoke to the branch XXXX, XXXX, she called for me and told me a senior representative would call me back in a few days. On Thursday, XX/XX/XXXX, I received a called from the senior representative around XXXX XXXX. He told me that the stand with the investigations team finding. I told him that I want footage and he said the only way to go about that is if I file a police report. The next morning I go to the Chase bank and speak to XXXX, she tells me she received a recap email. She said the email said if I wanted camera footage, then a police report is mandatory, and then a subpoena would be filed. So on Friday, XX/XX/XXXX, I filed a police report at XXXX XXXX Police Department. I faxed over the slip that was printed from the Chase ATM and the police report complaint # over on Friday, XX/XX/XXXX as well. I called for an update on Tuesday, XX/XX/XXXX, they told me the claim was closed they also told me if I wanted camera footage I had to go to bank it happened at, so I did. XXXX called Chase claims for me again, she told me this is out of her hands though, and she isn't sure why she needed to make the phone call herself.. They told her the investigation would open up again, but of course the answer remained the same. I was told to give them a week to complete their investigation. I called on Monday, XX/XX/XXXX, I spoke to a gentleman, he told me that " the slip printed can't be trusted '', not sure how a bank like Chase can tell their customer that a slip that prints from THEIR bank can't be trusted. I asked to speak to a supervisor, and she told me the same thing that others have been telling me, we sent our vendor out to count the money, we did everything we could, the money was never deposited. They never opened up the investigation. I know this because I have been receiving the same answer over and over again, no one has said anything remotely helpful. I have been calling them for weeks and have received nonsense answers. No one is on the same page at Chase. I speak to one person they tell me one thing, and another representative will tell me another. I want someone to look at the camera footage. I put {$4700.00} in what I thought was a trusted Chase ATM, and never received it back. This has been delaying my bill payments and putting me into a financial, stressful and emotional roll coaster. I have spent hours of my time calling Chase, going to my local Chase bank, going to the Police Station trying to get answers for myself that I deserve. The way Chase has been handling this has been cruel and unethical. | ||||||
| 12/06/2017 | Yes |
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| XX/XX/XXXX XXXX XXXX XXXX Chase Auto Finance XXXX XXXX XXXX XXXX XXXX, New York XXXX Fax ( XXXX ) XXXX RE : CHASE AUTO FINANCE # # # # # # # # # # # # # # # Dear XXXX XXXX : I really need someone to hear my situation. I am writing to you out of desperation as I am not getting anywhere with customer service at Chase Auto Finance. I have spoken with 6 individuals starting with XXXX XXXX, on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX and finally XXXX ID # XXXX all on XX/XX/XXXX. It has been repeatedly explained to me, many times, that you have a policy that a payment can not be deferred unless there has been a history of 9 payments to Chase Auto Finance. I am clear on your rules for deferring payment. I understand that have only paid in one payment on XX/XX/XXXX and I am now 11 days late for my XX/XX/XXXX payment. There MUST be somewhere in your company that acknowledges extenuating circumstances that are not part of your play book. Someone needs to understand my situation is an emergency. Such as with our recent hurricanes in Puerto Rico, Texas and Florida mortgages can not be paid on time because of situations BEYOND the mortgagees control. I am in an emergency that is beyond my control, but your people in customer service can not see beyond the play book by which they operate. My beautiful car was STOLEN on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX so I only had it in my possession for 6 weeks. The thief who stole my car took it on a joy ride with three law enforcement agencies in pursuit in a 170mph chase in XXXX county. The car had extensive damage and is now has extensive damage than originally believed because of the high-speed chase. The following has been explained to each level of customer service : Please understand that when I got my loan from Chase I was a XXXX XXXX in XXXX XXXX and had a XXXX XXXX XXXX work space. I switched jobs in those 6 weeks to work in the XXXX XXXX area XXXX XXXX XXXX XXXX XXXX XXXX XXXX because it is one of the best XXXX companies in the country and the pay is so much better. But since I live 75 miles from the XXXXXXXX XXXX, in XXXX, I must have my own transportation as the event locations are never the same. I can not take public transportation to each new location where a XXXX event is being held given public transportation and public transportation does not operate 24/7 to get me home in the wee hours of the morning. Please understand that I have not lost my job and when I can arrange a ride to accept a job, I do. But I am sorely hurting during this very busy holiday season by missing out on lots of well-paying gigs because I do not have my own transportation. Yes, a lesson well learned that I will add car rental to my insurance in the future. But that is hind sight and doesnt help me at present. I have been informed by the authorized XXXX XXXX autobody facility that it will take 6 weeks to repair my car to bring it back to the pristine condition when I had bought then car. Of course, there is the {$500.00} deductible to get my car out from the autobody repair. But by the beginning of XXXX when I will get my car back, and I will be 2 months behind on my payments to Chase Auto Finance and live in fear that my car will be repossessed. But as you are aware, you have the right to repossess my car if I am even one day late and that is why I have begged to get a deferred payment until XX/XX/XXXX as my next payment due date. I have been denied at each new level requesting deferment, citing the 9-month payment history. I can verify my situation as I have a subpoena for a court date of XX/XX/XXXX to testify against the person who stole my car. My court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is the XXXX XXXX in the XXXX XXXX XXXX office and her phone number is ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I really need someone to HEAR me and give me the deferred payment due date that I am requesting. Please be that person. This is my first car in my name and I do not want to XXXX up my credit with a repossession. Please contact me at your earliest convenience with a positive response. Thanking you in advance, | ||||||
| 09/25/2023 | Yes |
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| This report is regarding claim XXXX XXXX XXXX XXXX XXXX XXXX for {$1900.00}. On XX/XX/XXXX, I received a text message notice for suspicious fraud activity occurring on my Chase debit card ending in XXXX, under the name XXXX XXXX XXXX XXXX MI for a total of {$5.00}. Chase, in text, asked me to confirm if this activity was me. I replied NO. Chase automatically deactivated my card and notified me that they will be sending me a new card [ ending in XXXX. Card info relevant towards the XXXX evidence statement ] .I gave Chase a call to confirm suspicious activity was taking place under the XXXX XXXX XXXX, and they helped me begin my XXXX claim to refund it, and reset my username and password on Chase . That was the end of the call. That claim number is XXXX XXXXXXXX. I had assumed my account was now secure and I could move on from it while I wait out the claim. On XX/XX/XXXX, I noticed there were many more charges that had been placed during XX/XX/XXXX. XXXX more charges to be exact, each of them being below {$100.00}. It was under a new name of XXXX XXXX XXXX XXXX resulting in a total of {$1900.00}. The transaction merchant type says lawn and garden store, and the method was done in-person. I have no recollection of seeing these charges at the time I was on the call with Chase on XX/XX/XXXX regarding the XXXX claim [ # XXXX ] with the XXXX XXXX name. Chase had never sent me a second text message alerting me of this new XXXX XXXX name that took place on my account. The Chase representative I had been on the phonecall with on XX/XX/XXXX regarding the 1st claim also never asked me about these additional charges while we were on the phone. Unfortunately I missed these charges while they went past pending and into completed transactions. Once I took notice to these charges on XXXX I immediately called Chase in distress and said that we need to make another claim for this {$1900.00}. I told the representative, these charges should have NEVER gone through on my account due to my chase account already getting flagged for suspicious activity. I was under the impression that my account was safe and everything would be okay. My new card was once again deactivated and they sent me a new one ending in XXXX. A new, 2nd claim, was then created for the {$1900.00} on XXXX That claim number is # XXXX. Both claims show that they originate from XXXX, but the payment method used was through XXXX XXXX, which was linked to my debit card and ultimately charged on my Chase account. Chase later denied my 2nd claim [ XXXX XXXXXXXX ], and is still processing the 1st claim as of today 's date of XXXX On XXXX I filed an appeal for the 2nd claim with the balance of {$1900.00}. My appeal listed evidence including : 1. A Chase text message asking me to confirm if XXXX XXXX was me. 2. Evidence on my XXXX XXXX that I have no suspicious activity being sent there. Only money sent was towards friends. 3. Evidence that I contacted XXXX XXXX to confirm XXXX transaction history can be seen on my account using the original debit card. The results show no history for the month of XXXX or XXXX. 4. Lastly, a written statement from XXXX telling me they were unable to find any history using any of the 3 debit cards listedthe original one the fraud charges were made under, as well as the 2 cards that Chase replaced. When I asked XXXX if my cards were listed on any other foreign profile on their platform, they told me they could not find it anywhere else either. Chase once again denied the appeal. Chase told me their reason for denying both claims is due to 1.checked systems were able to confirm that no new devices were added onto my profile, 2. The device used was consistent with what is used on my login history, and 3. There were no login failures. I have since filed a police report with the XXXXXXXX XXXX XXXX Police Department on the date of XX/XX/XXXX. I feel wrongfully accused by Chase. I had previously alerted Chase of suspicious activity on my account. I should have been protected before these charges were finalized, because I did not authorize these charges. *I should not be responsible for any unauthorized purchases made on my bank account. * | ||||||
| 08/17/2023 | Yes |
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| On or around XX/XX/2023 Chase bank suspended and subsequently closed my checking account for reasons I am not completely aware of. At the time of my account closure, I had approximately {$9900.00} dollars in my account. A refund check was suppose to be mailed to me however the check refund was suspended. In trying to discover exactly why the check refund was suspended, I called Chase Bank 's XXXX number multiple times and spoke with multiple people. From the best of my understanding, they did not send me the check because there were some suspicious deposits made into my account from a person by the name of XXXX XXXX. I explained to a Chase Representative multiple times that I use the name XXXX XXXX in mobile app called XXXX XXXX ( as an alias ) and therefore explained to them that XXXX XXXX is actually me. Again, XXXX XXXX and I are XXXX in the same. The Chase Representatives first asked me to submit statements from XXXX XXXX showing the name XXXX XXXX on them. I did so but then they turned around and told me that was not good enough. They told me that I needed to have documentation that showed both my legal name and XXXX XXXX at the same time. I contacted XXXX XXXX and asked them if they could provide such documentation and they told me no. So I contacted Chase bank again an after about XXXX further contacts trying to understand what I could provide to them, they then proceeded to tell me I needed to get a statement from a lawyer proving that I am XXXX XXXX. So I found a lawyer by the name of XXXX XXXX who works for XXXX XXXX. I setup an initial consultation and while there in my consultation, I called Chase Bank so my lawyer could talk with them to understand exactly what they required. The Chase bank representative told my lawyer exactly what I was told in that they needed a letter from him proving I am XXXX XXXX and that I also needed to get the letter notarized. In order to prove I was XXXX XXXX to the lawyer, I was subjected to several tests. I was asked to log into my account in front of him. I was asked to show him proof I received automated emails from the XXXX XXXX account. I was asked to show him proof of automated text messages I received when a XXXX XXXX transaction was made. I was asked to show him each individual transaction to Chase Bank based on the transaction history from XXXX XXXX and match those transactions to their statements. By the end of the consultation, XXXX was completely satisfied I was the owner of the XXXX XXXX account and simply used the name XXXX XXXX as an alias in XXXX XXXX. In writing an affidavit, XXXX also points out that it is completely within XXXX XXXX 's policy to use an alias in XXXX XXXX so I did not violate their rules by doing so. Under penalty of perjury, I signed the document and had it notarized. For his services, XXXX charged me approx. {$1800.00} dollars. I then proceeded to my local Chase bank and they assisted with uploading the Affidavit, and other Exhibits to prove I am XXXX XXXX and simply use this name as an alias in XXXX XXXX vs. using my legal name. I called Chase Bank today and to my great dismay and they told me they are refusing the Affidavit I got from my lawyer even though that is exactly what they told me to provide and told me instead I needed to provide either a birth certificate with the name XXXX XXXX on it or provide a phone number which they can look up in a public database to see if the owner is XXXX XXXX of which they would then call me. Since XXXX XXXX is not a real person and simply an alias I use, I can not provide any of the final items they are requesting. I have wasted countless hours of my time, energy, money, made over XXXX calls, made over XXXX trips to Chase branches and did everything they asked me within my ability and they are still refusing to give me money from my personal account that they closed. At this point I do not know what to do and I am seeking further advice from my lawyer. But I have already spent {$1800.00} and I do not want to spend anymore because I do not have a job right now. If you can please help me. I will not give up on this matter because I have done nothing wrong and Chase bank is wrongfully withholding my money. | ||||||
| 03/10/2023 | Yes |
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| I bought a piece of art from an artists booth at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX, for {$290.00}. The XXXX is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid with a debit card at the seller 's insistence ( " we only take debit cards or cash '' ), and then they told me they had to mail the piece to me because they only had one copy at the booth and needed it for display. They said it would arrive in 2-3 weeks. They gave me a hand written receipt ( attached ). The charge showed up on my card on XXXX XXXX XXXX for {$320.00} from " XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX ''. After a month ( XX/XX/XXXX ), I tried contacting them using the contacts on the business card they gave me at the time of purchase, but the email they provided ( XXXX ) did not work. I had to dig online for a working email address and found XXXX. They responded saying it would be done at the end of the week ( attached ). I waited but still did not receive anything and didn't hear from them, so I opened a claim with Chase bank ( my checking account and debit card are with them ). I was temporarily provided with a credit for a full refund on XX/XX/XXXX ( Claim ID : XXXX ). On XX/XX/XXXX, Chase reversed the claim and recharged me for {$320.00}. I called Chase and they said it was reversed because I needed to provide documentation for proof. They didn't give me an option to attach documentation in their online claim form when I originally filed, nor at any point before reversing the refund did they inform me that I needed to provide documentation proof. Chase told me on the phone that I needed to get a " credit voucher '' or a " voided transaction slip '' from the seller, so I emailed XXXX XXXX again asking for that. I never received a response to this email. I faxed all the email correspondence and a picture of the written receipt to Chase ( same Ive attached here ). I called Chase several times after that asking for updates and didn't get any information, until they finally told me my claim was closed again. The Chase representative I spoke to on XX/XX/XXXX said the seller provided them with a tracking number that proved the item had been shipped and arrived at my address and was showing as delivered by the company ( I think they stated it was XXXX ; this conversation was recorded if you want to check ). I asked for the tracking number the seller showed them, so I could look it up myself, because the seller never shared it with me or indicated to me in any way that they had shipped the item. Chase told me they could only mail me the documentation and that it would take a week, but I insisted they share it with me at that moment because I needed to know if a package had been stolen so I could file a police report. The Chase representative connected me with a manager. The Chase manager then told me that they had never actually received any tracking information from the seller, even though the other representative had just insisted that they had. Since he could give no other reason that the claim was closed, he said he would reopen it. Meanwhile, I tried messaging the seller on XXXX but they never responded XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter in my online Chase account saying the Claim was closed again ( attached ). I then received an email from an email address I had never corresponded with before ( XXXX ), apologizing for the inconvenience with XXXX XXXX and offering me a 50 % discount on my next order. I asked them to elaborate but have not received a response ( attached ). Today XX/XX/XXXX I called Chase again, and the representative told me the seller provided proof that the sale was valid by proving that my cards chip was scanned in person. They said because of that, Chase has no more recourse to reverse the charge and that theres nothing else they can do. I think its very obvious the seller stole from me, because they never provided proof of delivery and have not kept in contact with me since taking my money 7 months ago. I also think that Chase is not acting in good faith by telling me my claim was denied for different, seemingly arbitrary and totally made up reasons every time I call. | ||||||
| 09/26/2017 | Yes |
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| My family has a very serious problem involving a VA loan being serviced by JP Morgan Chase Bank that I would like to share with you. My father obtained a VA loan in XXXX to purchase a house after the death of his wife XXXX my mother ). He wanted me and my family to live with him and take care of him but he died unexpectedly in XXXX. I continued to make the monthly mortgage payments on my fathers VA mortgage as he had done because I inherited the house through his last will and testament. Unfortunately my brother, the estate executor, began interfering with our relationship with Chase and our efforts to assume the mortgage loan on the house. My brother changed our mailing address with Chase without our knowledge so that critical documents Chase sent to us went to him instead of our residence, and he did not forward them to us. Eventually he was able to stop Chase from accepting our payments, speaking to us about the mortgage, or doing anything for us since we were not listed on the mortgage and did not have the deed to the property at that time. However, prior to the end of our contact with Chase Bank, multiple representatives from Chase insisted that they were holding approximately {$18000.00} of mortgage payments we paid to them on behalf of my father in a special account which they would not credit to the mortgage until our loan assumption paperwork was processed and the deed to the property was received. In early XXXX, we were able to submit all of the required paperwork to Chase and were approved to assume the mortgage pending receipt of the deed to the property, which could only be issued by my brother. He refused to do so for personal reasons, so my wife and I have had to file bankruptcy to stop all foreclosure efforts on the property by Chase. Thanks to the efforts of our current estate attorney, we were finally able to obtain the deed to this property in XXXX of this year. Unfortunately, since it has been so long since we were approved for the mortgage assumption ( two years ), and Chase has refused to accept our payments for so long ( two years ), the deed no longer is enough for them and they are now wanting all {$45000.00} in back payments, without crediting to us or refunding the {$18000.00} in payments ( our money ) they previously said they were holding aside. Due to the tremendous stress these issues have created over the last three years, my health has deteriorated and I no longer have the high paying job that I held at the time we were approved for the mortgage assumption ( pending receipt of the deed ). However, my household income is sufficient at this time to pay the normal mortgage payment and even more, but my bankruptcy attorney is very concerned that my income level still might not be enough so long as Chase is unwilling to credit our {$18000.00} they said they holding to our mortgage balance and/or move at least some of the missing payments over the last two years to the end of the loan. I am reaching out to you now because it seems that I need additional help to save the home I inherited from my father, which is the only home I have and the only home for my family. If there is anything you can do, or if you can forward this matter to someone else who can assist us in persuading Chase Bank to work with us and place the missing mortgage payments that occurred from their refusal to accept them from us onto the back end of the loan, it would be an incredible help and blessing to us. I can provide additional information about Chase and my problem with them if needed. However, please be aware that I have a meeting at the United States Bankruptcy Court this Thursday, XXXX XXXX, XXXX and this latest matter with Chase was only brought to my attention by my attorney late last Friday afternoon. Consequently, I do not have much time to work out this matter before final decisions may be made affecting the ownership of our home. Any assistance you could provide in even postponing final decisions by the bankruptcy court until this matter is more deeply investigated would be most helpful and appreciated. Thank you for taking time to consider my problem and please let me know if you can help in any way. | ||||||
| 10/16/2020 | Yes |
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| Application for Mortgage Assistance was first completed on XX/XX/XXXX. I was informed that the application was not received. The application was resent 2x in XXXX and I was informed all of the information had been received and a determination would be made by XX/XX/XXXX. I was informed of several options including Deed in Lieu of Foreclosure. I indicated I wanted that option, I was told that as of XX/XX/XXXX I would be notified of date to schedule an appointment for appraisal. That call never came. On XX/XX/XXXX, I was told that I would hear back by XX/XX/XXXX. Nothing was scheduled. I then received a phone call indicating the Loan was being transferred to another Servicer and the process with the current Servicer would be restarted after the new servicer was assigned. At that time XXXX XXXX the Relationship Manager lied indicating that JP Mortgage Chase was still the investor. However the loan had been sold to XXXX XXXX. In addition, the loan was approved for an address that did not exist. In addition, I received threats from the Branch Manager XXXX XXXX that my planned complaint to XXXX " was invalid and he had done research and I did not have a leg to stand on ''. Despite the fact that they were informed the address the loan approval had been attached to did not exist. They refused to make any attempts to address the issue and continue to make many attempts to mislead and lie about the loan. In addition, Property tax payments were made without permission despite knowledge that I had a possible Homestead Exemption for each tax year ( XXXX, XXXX, XXXX ). In addition, I informed the Homewowner 's policy insurer I was terminating the original policy prior to renewal and obtained and paid out of pocket for a new policy. Yet the first Homeowner 's Insurer chose to continue to bill and accept payment for the policy for 3 years following confirmation of the notice to terminate the policy. Between Homewowners ' Insurance coverage and Property tax payments, over {$7000.00} was paid without permission. In addition, the bank Relationship Manager XXXX XXXX illegally required me to sign a W-9 IRS form under the guise it was needed to verify identity. According to consumer protection officials there is no reason for a bank to require such a document to verify identification after the loan had been approved and payments made. Despite ongoing efforts to gain the Deed in Lieu of Foreclosure, this process has never been completed. Without permission of me as the borrower, the Deed in Lieu of Foreclosure process was terminated and a Mortgage Assistance Application was completed. This Assistance was approved and terms sent despite no such request nor approval of the change by me. Per the Mortgage Servicer JP Morgan Chase, I made the request by phone yet there was not call made by me. I declined the Mortgage Assistance agreement and informed the Servicer, as I never made such a request. Not only has the Mortgage Servicer refused to proceed with any refund for property tax payments nor Homeowners ' Insurance policy payments have been made. In addition, the Mortgage Investor was never notified that the address for the loan approval never actually existed. The Investor also recommended reports and complaints to HUD for health code violations by the Homeowner 's Association, Fraud and Disability Civil Rights violations. I was notified by the US Department of Justice that a referral was made by to the Regional Office of US Housing and Urban Development. Despite the fact that this investigation was not completed, the HOA proceeded with Foreclosure proceedings. The complaint against the Homeowners ' Association was based on Fraud, Harassment, Intimidation and Disability Rights violations under the Fair Housing Act. I was also subjected to false allegations and fines for violations of HOA Bylaws despite no evidence of those violations. I was stalked and harassed by neighbors and previous Board of Directors of the HOA Members, Management staff and others. The most severe incident of harassment included false allegations of harassment which resulted in an " illegal '' arrest by the police for harassment of HOA Management staff members. | ||||||
| 09/22/2021 | Yes |
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| alleged loan and quote numbers generated an invoice in XXXX because In XXXX I was quote a loan by chase XXXX XXXX XXXX. which i declined in XXXX. When XXXX submitted paper work to collect her commission. This action generated an invoice for {$380000.00} for a mortgage that I never closed on. This was confirmed by Chase in XXXX with the office in XXXX county. One of the Quote numbers is this : XXXX Fabricated CHASE mortgage number as a result of the quote XXXX XXXX I am being sued and foreclosed on a QUOTE that never closed. XXXX XXXX is an attorney suing me from XXXX, without standing and after 7 years of abusive discovery, wrong doings has collected enough data to fabricate an allege mortgage and 12 different note efiled from XXXX. I need CHASE to confirm that I do not have a mortgage with them, now or ever for my property in XXXX County NY. The action on XX/XX/XXXX entered order in the Supreme Court State of XXXX XXXX was dismissed with prejudice, barring and restraining the alleged debt from further action and further attempts to collect. The overzealous NY lawyers filed an action in XXXX County Court with a {$15000.00} cap on claims. I want this case invetegated to the fullest extent f the law, turned over to PROPER Law enforcement for deed theft and deed fraud as this case affects the good of society and an noting : without an original note the claim should never be permitted to have been commenced nor proceed, against XXXX XXXX Produce the NOTE Act 2013 113th Congress of the United States of America. XXXX claims he " lost the note and contract '' This is not true, the note or contract never existed because I never signed any note or contract. This CHASE Quote never went to closing. AND XXXX XXXX mandatory cancellation of Notice of Penance order clerk ot close case. XXXX filed 2 les penance. XX/XX/XXXX, ( or XX/XX/XXXX XXXX was filed by XXXX in contempt of court order dated XX/XX/XXXX was DENIED by the court this was asking permission to file another les Penance on my unencumbered property. From XX/XX/XXXX years, XXXX never prosecuted this civil matter and forever clouding my unencumbered deed. " For want of prosecution '' the motion for summary judgement was filed 8 months after summons and complaints. 120 day clause was not met, note of issue was never filed. XXXX had no right to commence an action without possession of original wet ink note. XXXX and XXXX were both active same parties same allege debt, at the same time, Over the course of XXXX gathered data over 7-8 years enough data has been collected to fabricate more documents never included in the trail court. From XXXX XXXX efiled up to 13 DIFFERENT forged notes, signed with different name, one signed on the left one signed on the right, different notaries. etc. The trail court ended on XX/XX/XXXX when " I won this action again. '' When answering these lawyers answer with fabricated documents from data gathered over the course of 7 years of suing me. My adversary is not forthcoming and will file untruthful documents The lawyers are 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX, and 2. XXXX XXXX XXXX XXXX XXXX XXXX, NY who represents only himself for personal financial gain. 3. XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL to date has XXXX XXXX XXXX has honored the restraining order since XXXX. The NY lawyers in contempt of court continue to file abusive discovery. FRCP rule 60 ( d ) ( 3 ) ( 4 ) by fraud ... [ ... ] wrongdoings by adversary, and NY CPLR 3016 ( b ). And Elder law violations for financial gain as well. A stranger to myself and my property, is Stealing the equity of my unencumbered property of 45 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL has honored as on XX/XX/XXXX, the restraining order duly entered by XXXX in the United States Courts XXXX District of Florida the US courts XXXX. In contempt of court XXXX then commenced an action same parties same alleged debt in the lower XXXX County Court with a cap of {$15000.00}. at the time. XX/XX/XXXX duly entered in Supreme Court State of XX/XX/XXXX. A second order duly entered XX/XX/XXXX in the Supreme Court State of XX/XX/XXXX entered by admin Judge Hon. XXXX. | ||||||
| 01/18/2021 | Yes |
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| Re : OCC Case # XXXX -JP Morgan Chase Bank , XXXX XXXX XXXX XXXX XXXX : I write you in further response to the OCCs response letter, dated XX/XX/XXXX ( OCCs XX/XX/XXXX letter ). I attach the letter for your convenience. I write with complete and total frustration. For over 6 months, Chase Bank has taken XXXX of my money out of my accounts and refuses to communicate anything from me. It is as if the Bank has exercised its largess, closed my accounts, stole my money, told lies to you and the OCC, the one government assistance program that can possibly help me, and told its employees to no longer communicate with me. In the OCCs XX/XX/XXXX letter, the OCC advises that the Banks Deposit Account Agreement ( DDA ) allows them to their close an account for any reason, at any time, and without prior notice. I do not dispute this point. It is not the relevant point to this complaint. The issue is that the Bank removed XXXX in XX/XX/XXXX from my accounts without justification and denying me access and information regarding that money. XXXX from my business checking account XXXX and XXXX from my personal checking account XXXX. Most egregiously, in responding to the XXXX XXXX XXXX the Bank provided false information in addressing my complaint. For one, the Bank stated to the OCC the [ I ] withdrew XXXX XXXX XXXXXX/XX/XXXX, at their branch. See XX/XX/XXXX OCC letter. This is a false statement. As of XX/XX/XXXX, my access to my accounts had been restricted by the Bank. See XX/XX/XXXX Chase letter. In fact, the Bank was the only entity who could withdraw funds from my account after XX/XX/XXXX, and they did. Second, the Bank advised the OCC that all [ of my ] remaining funds will be held in suspense and issued once [ the Bank ] completes their internal investigation. This is a false statement. I was personally advised by the Banks Global Security group on XX/XX/XXXX, that the Banks internal investigation had been closed. This was again confirmed on XX/XX/XXXX in person when a Chase bank employee reiterated this to me after communicating with their back office. Additionally, in a letter from Chase corporate office dated XXXX XXXX, they state You must resolve this matter directly with them [ XXXX XXXX ]. Which is exactly what I did and I have confirmation from XXXX XXXX XXXX Officer, XXXX XXXX, that proves this. Along with a letter from the FDIC that confirms this fact as well. The loan in question was paid in full with interest as of XX/XX/XXXX. I am stuck and have no where else to turn to get the Bank to take my concerns seriously. The Bank has stolen my money -- XXXX It has been almost 6 months. The Bank has refused any further communication with me since XX/XX/XXXX. Indeed, the Bank has told its officers and employees to no longer communicate with me or provide me any further information or documents. I was able to photograph a monitor at Chase branch with those instructions from its corporate headquarters and I have this saved for my records. I made a good faith effort since day 1 to resolve this issue. I have spoke with 3-4 different Chase Bankers seeking assistance. I have called into Asset recovery, Global Security, Loss Prevention over 20 times each during the course of XXXX thru XX/XX/XXXX. I left voicemails on multiple occasions for XXXX at Global Security, XXXX at Corporate, XXXX XXXX at Global Security and have received no response. A portion of my money was sent to me in form of a cashier 's check that was issued to me by Chase XX/XX/XXXX and expedited via XXXX.XXXX from Corporate left me multiple voicemails regarding this and I have those voice mails saved. This cashier check was deposited into my business account at another Bank. Chase bank put a stop payment on the cashiers check due to fraud and caused over 2 days loss of business while my new bank sorted it out. When I notified XXXX of the issue, he said he would escalate it and get back to me which he never did. Where is my money? More importantly, they need to give me my money back now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am financially suffering because of the pandemic and these funds are sorely needed. | ||||||
| 06/10/2023 | Yes |
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Web | Older American |
| On or about XX/XX/2023 I logged into my Chase credit card account and noticed two expensive charges for airline tickets on XXXX XXXX that I did not make : XX/XX/XXXX {$3800.00} flight from XXXX to XXXX via XXXX XX/XX/XXXX {$1700.00} flight between airports unknown This is identity theft. I did not make these charges, nor did I authorize them. I immediately called the number on the back of my XXXX XXXX credit card ( XXXX ) and reported the fraud. The gentleman with whom I spoke also noticed there a third unauthorized charge of {$16.00} to XXXX XXXX. All three charges were removed from my card, my card ending in XXXX was cancelled, and Chase issued me a new card that I received and began using on XX/XX/XXXX. I thought this was the end of the matter and there was no reason to put anything in writing. This is not the first time one of my or my wifes credit cards has been misused, and we have never had to write any letters to Chase or any other credit card company to resolve the issue. About a week ago I received two telephone messages from someone with a heavy XXXX accent saying she wanted to discuss charges to my credit card ending in XXXX. The person did not leave her name or any phone number so I could return the call. Because this was the card recently cancelled and I have had many scam phone calls from XXXX, I was suspicious. I called again the number on the back of my XXXX XXXX credit card ( XXXX ) and asked if these phone messages were legitimate calls. The person who responded told me that anything concerning credit card fraud would be handled by letter, not a phone call, and that it was probably a scam. A few days ago, I picked up a call and it was a woman with a heavy XXXX accent saying she worked for Chase credit card company. She did not provide me with her name or any other identification information. She asked me why two months before I had approved a charge on XXXX XXXX that I was disputing. I responded that I sometimes get messages about possible fraud from one of my credit card companies, and I did not get any message recently concerning any flights costing thousands of dollars on XXXX XXXX. I would surely have remembered that. If I did get such a message, I likely would have thought it concerned a restaurant or XXXX charge that I recently had made. She said because I had approved the charge, I had to pay for the airline ticket of the person who had committed fraud. If my approving one of these airline charges was an issue, I do not understand why it was not raised when I first reported these charges on XX/XX/XXXX when my memory of any communications would have been fresh. I asked her to send me the message that Chase had sent me asking me to approve these charges, if there was one, as well as my response so I could understand how there could have been a misunderstanding. She refused to provide that information. I also requested the name and other information for the passengers ( s ) on the flights that were fraudulently charged to my credit card. She also refused that information. When I got off the phone, I suspected this was part of an elaborate scam. Then today I found that Chase had posted back to my credit card the fraudulent charge of {$1700.00} flight between airports unknown on XX/XX/XXXX. The others may reappear as well. I still have never received a single written communication from Chase on this matter and do not have a case number or anything similar. I strenuously object to paying for any of these fraudulent transactions. I asked Chase to put all future communications to be in writing. I also requested that Chase remove all of these charges appear on my credit card account pending resolution so that Chase does not charge me interest. I asked Chase to provide information on its data breaches during the past five years, which may explain how these fraudulent charges appeared on my credit card statement. I also asked Chase to provide me information on whether I must submit this matter to arbitration before filing a law suit. I believe Chase is violating the Fair Credit Billing Act. I am XXXX XXXX XXXX and having to fight these charges is especially burdensome at my age. | ||||||
| 04/27/2017 | Yes |
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| Hi, On XXXX / XXXX / XXXX I purchased a pair of XXXX concert tickets through XXXX in XXXX XXXX , XXXX XXXX , Seats XXXX with my Marriott VISA Chase cr edit card. This concert was to be held at XXXX XXXX in XXXX XXXX , CA. Tickets were assigned Order number XXXX . ( See attached purchase ) Due t o a scheduling conflict, we could not attend this concert and chose to list the tickets for sale on the XXXX platform on XXXX / XXXX / XXXX . The tickets uploaded and verified by XXXX were for the identical concert, section, row and seats as purchased . ( See attached listing ). On XXXX / XXXX / XXXX , I was notified that these tickets were sold ( See attached ). Upon receiving m y Chase Marriott VISA XXXX XXXX statement, I notic ed 2 char ges from XXXX , dated XXXX / XXXX / XXXX in the amounts of {$490.00} and {$240.00}. On XXXX / XXXX / XXXX , I created an official dispute for each of these charges as I believed my credit card had been used for fraudulent purposes. Several weeks later I received a call fro m Chase Fraud Departmen t and spoke with XXXX regarding my claims. He said that XXXX was charging me for the sale of fraudulent tick ets ( fro m my listing on XXXX / XXXX / XXXX ) + a 50 % penalty fee. I mentioned to XXXX that I sold legitimate tickets I had purchased through XXXX and could provide him the order receipts reflecting this purchase, including the sale information so he could match all details up. On XXXX / XXXX / XXXX & XXXX / XXXX / XXXX , I uploaded all the documents ( see attached ) as requested. On XXXX / XXXX / XXXX XXXX called me and left a voicemail and I returned his call and left a voicemail, but I did not receive any calls back. Shortly thereafter, I noticed online that th ese 2 XXXX charges were placed back onto my account. I created a new dispute on XXXX / XXXX / XXXX in an attempt to resolve with Chase with no resolution. I created an add'l dispute on XXXX / XXXX / XXXX due to continual attempt s by Chase to collect t hese funds. ( see attached ). In these disputes, I have asked for the documentation and proof of frau d Chase must have recei ved from XXXX in order to substantiate their claim, all to no avail. I have not received any detail. At this time, I calle d Chase an d closed my account. I also contacted XXXX and they stated to me that only original PDF / tickets can be uploaded and their system scans for invalid tickets, further verifying my ticket sale as legitimate. I received a letter from Chase dated XXXX / XXXX / XXXX ( see attached ) stating in summary my case was reviewed, my dispute was denied and that the amounts would remain on my account. Also the letter states that Chase will no longer respond to me on this matter. On XXXX / XXXX / XXXX , I sen t Chase a certified letter ( see attached ) detailing my case and dispute. Again, I reques ted a copy of the " fraud '' information Chase/ XXXX used to make a determination of my dispute. I also stated I wished to pursue this issue through binding arbitration and that these charges would not be paid and attempts to show lateness on my credit report would be challenged as well. I did not receive any response to this letter. On XXXX / XXXX / XXXX , I opened a new dispute ( see attached ) per late charges and interest applied to my Chase Marriott VISA XXXX billing statement. Shortly thereafter, these charges were reversed, but then I was hit with a new late charge on m y Chase Marriott VISA XXXX billing statement. On XXXX / XXXX / XXXX , I opened a new dispute ( see attached ) to challenge these late fees and have not received any official response. On XXXX / XXXX / XXXX , I received online notification that my credit score ha d changed, and when I reviewed in more detail, I notic ed Chase had marked my Marriott VISA account has over 30 days late and delinquent. These punitive data was transmitted to all XXXX Credit Bureaus and each one has penalized my ove rall credit score. The last few days, I have been getting Robo calls as well stating my account is past due and that I need to make payments immediately. | ||||||
| 01/24/2023 | Yes |
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| Hello, On XX/XX/XXXX I opened a claim with Chase Bank in regards to a dispute I had with a merchant XXXX XXXX where products I purchased from them were taken back. I requested all purchases to be refunded but Chase confirmed there was only a set number of days they could dispute the transaction and I was fine with that and requested to continue with the claims they could process. At the time I opened the claim on XX/XX/2022 I requested all previous transaction that had already been refunded from XXXX XXXX be excluded on the claim resulting in about {$510.00} that I requested XXXXhase collect on there may have been more but that was the amount Chase was working with, I didn't record the exact amount but this is what I was able to confirm from Chase in writing. I received a letter from Chase saying the claim had been closed because the merchant had already credited me {$510.00}. When I reached out to Chase because I was unable to find that {$510.00} refund from XXXX XXXX spanning 16 transaction, Chase quickly back tracked and said the money was never put into my account and the Claim was declined even though I received a letter saying other wise and I still have that pdf. I reached out to every agent I could get in contact with to ask where this money was and what happened to the claim. Two agents explained to me that the claim was automatically closed because I received a refund from the merchant in the past. Prior to the XXXX. I had then explained that I request those refunded transaction to be excluded from the claim. I was able to prove to them the refunded amounts were not part of the 16 transaction I request Chase attempt to collect on. Both agents agreed this was a mistake and started the process to reopen the claim and again the claim was automatically closed because of the same previous transaction that were not part of the claim. I spoke to several agents as well as one agent from the executive office. Every agent except the 2 that confirmed this was a mistake continued to insist there was nothing that could be done and everything was in order even though not a single transaction was refunded on my account that was part of the claim. Either 2 things happened Chase never bother to process the claim and automatically closed it and send me a letter saying the money was already returned to my account by the merchant ( {$510.00} ) or they collected the money and kept it. The refunded transactions that were processed prior to the XXXX that I had requested be excluded were a total of {$460.00} across 6 transaction. Every agent I spoke to aside from the 2 agents said that the 6 transaction totaling {$460.00} were equal to {$510.00} not a single aside from the 2 that agreed there was a issue and one I got into a heated exchange with agreed they did not equal the same amount ( That agent I got into a heated exchange with kept saying the 6 transaction were the {$510.00} even though she admitted it wasnt ). This means that Chase has a automated system the is going around closing Claims simply because a refunded transaction exists for that merchant. Just for clarification the {$460.00} that I had refunded to my chase account were processed by XXXX agent and by me reporting a issue Chase didn't lift a finger for those and were not part of the claim later on after the claim had already closed and i was arguing with Chase {$300.00} were refunded to my Chase account that were a result XXXX not being able to refund my XXXX XXXX Credit card for what ever reason none of those {$300.00} say refund from XXXX XXXX. When I spoke to the agent from the executive office attempt to take credit for those {$460.00} and the {$300.00} that were refunded. I have attempted to resolve this with Chase at every level I have reached out to the XXXX I have sent a letter to the CA attorney general XXXX XXXX ( Haven't heard back from him ) I have no idea what to do. I was told I could report this to the CFPB I hope someone can help. I also requested the details of Chase 's investigation of the claim since they said I was allowed to get a copy. When I requested the documents they said they would be mailed to me I haven't gotten any. | ||||||
| 06/02/2017 | Yes |
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| Chase had previously offered to provide me with a replacement debit card in the branch. I relied on this offer to my detriment. Chase personnel in the XXXX XXXX branch informed me that is was " corporate policy '' to no longer provide a debit card in the store they could only provide me an ATM card. This is an UDAPP issue for numerous reasons. The CPFB exam manual states that UDAPP issues occur when : A representation, omission, act, or practice is deceptive when : the representation, omission, act, or practice misleads or is likely to mislead the consumer ; the consumers interpretation of the representation, omission, act, or practice is reasonable under the circumstances ; and the misleading representation, omission, act, or practice is material. o An act or practice is unfair when : it causes or is likely to cause substantial injury to consumers ; the injury is not reasonably avoidable by consumers ; and the injury is not outweighed by countervailing benefits to consumers or to competition. o An abusive act or practice : materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service ; or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service ; the inability of the consumer to protect the consumers interests in selecting or using a consumer financial product or service ; or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. 1. It was deceptive/misleading that Chase did not inform me that their policy had changed and I would no longer be able to obtain a debit card in the store. I was misled into believing that Chase would be able to print a debit card from me at the branch. It was reasonable for me to believe that Chase would be able to print the debit card for me because they had done so previously and had not informed me that they would no longer be able to print the debit card at the branch. It is material that I was denied access to a debit card and only able to receive an ATM card because Chase obtains numerous fees from me from ATM card usage and does not obtain any fees from me for debit card usage. Chase only allows me to use the card type that allows them to rack up numerous fees and does not allow me to use the card that does not rack up fees. 2. It was unfair that Chase would not print me a debit card in the branch office. It is very likely that only providing me with an ATM card and not a debit card will cause me injury when I have to pay fees I would not have had to pay if I had a debit card. It is not unreasonable to believe that a debit card would be lost. Chase does not include any mechanism to find a lost card which are employed in other items such as phones/remote controls/cars to locate them when they are lost of misplaced. Therefore since Chase does not provide any way to locate a lost card it is reasonable to assume that a debit card may be lost. The injury is not outweighed to a consumer or competition because this harms consumers by adding additional fees and costs when a card is lost. 3. It was abusive that Chase would not print me a debit card in the branch. Chase took advantage of my not knowing of the change of their internal policy regarding preventing the printing of debit cards in branch offices. They used this knowledge to force me into taking an ATM card which they can they rack up huge ATM withdrawl fees. I do not have the ability to protect my financial interests because I am only offered a card which has ATM fees and can not be used outside of an ATM. It is reasonable for me to rely on Chase to protect my interests because I allow them to hold all of my savings and deposits. It is also an issue that I am only allowed to receive a debit card in the mail. The mail can be stolen or altered. They would not provide it to me in a XXXX XXXX or XXXX manner that would require a signature. They only sent it through the mail which is not the securest manner possible. It is the cheapest manner possible that poses the greatest amount of risk to me the consumer. | ||||||
| 01/11/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX Chase restricted and close all of our accounts and ended their banking relationship. Chase restricted all access to the accounts from us and stated all deposits and transactions would be denied/ blocked and returned. They refused to give us any of the money in the accounts. They said the account would stay restricted for the next 10 business days then they would close the accounts and the remaining balances would be sent out by check 10 business days. They said they were not allowing any activity at all and that all direct deposits would be denied and sent back to sender. ( we had my XXXX XXXX XXXX daughters federal social security XXXX payment for XXXX for $XXXX scheduled to be deposited XX/XX/XXXX. I got documentation and submit it with a statement that due to the equifax breach my husband and Is identity, financial, everything was compromised and stolen and were being fraudulently used etc. I called chase to update them of this and inform them that this the fraud activity on our account and requested that they appeal their ruling on the claims claims. I was informed "They didn;:t't see any errors with the transaction or attempts to authorize a different amount so we We denied your claims because the transactions occurred within your geographical area, you've previously done business with the merchants, the card was in your possession and there were no bad PIN tries, and you monitored your account on chase.com during the time the fraudulent transactions were occurring, but didn;:t't report them to us immediately. The remaining money in your account as well as a direct deposit for $XXXX that we received on XX/XX/XXXX will be held until the closure has been finalized. Your case/ account a final resolution date of XX/XX/XXXX. Any money that is owed to you, will be Issued 10 business days after and a check will be issued and mailed" I said "You knowingly accepted the Direct deposit of my daughters federal social security XXXX payment of $XXXX on XX/XX/XXXX into an account that you restricted/ closed on the XXXX and have denied any and all access to a the funds? You fraudulently accepted a federal direct deposit 10 days later and have hand it and refuse to release the funds to it and will not release the federal social security funds till 10 business days after the account closure on XX/XX/XXXX? So XX/XX/XXXX is when you stated a check will be issues and mailed to me along with the rest of our account balance essentially 4 months after you accepted it?" She said well I don;:t know why it was accepted. I informed her that the fraudulent accepting, garnishing and withholding of federal payments is a direct violation of the FDIC laws and regulations, as well as the COCO Electronic Funds act. Etc. Any errors of federal are required to be resolved and funds released within 24-48 hours. Also I want to dispute the decisions made on my fraud claims as they they were a result of identity theft that you were notified of with the police report number and documentation. Those transactions were fraudulent. I also notified you that all of my financial accounts and identifying information had been changed that I was not monitoring my account when these transactions had occurred. You were given all the documentation of the fraud including the statement from equifax that my information that was compromised in the credit reporting agency breach. This included access to all my financial and personal accounts. that last correspondence was Tuesday XX/XX/XXXX I have yet to correspondence or reply to my requests. Nor have they given me access to/ released any of our funds which include the federal SSI payment, all of the funds from the fraudulent transactions on all 3 of our closed checking accounts, and all of the remaining account balances that were in the account and not part of this fraud when the account was restricted and closed. I will be obtaining legal counsel and starting legal proceedings if this is not resolved soon. I will also be starting proceedings with the department of social security, the department of disability, and the consumer financial protection bureau as this is a violation of our rights. | ||||||
| 08/06/2021 | Yes |
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| This is an amendment to compliant XXXX-XXXX. I am amending the complaint to add email correspondence documenting my compliant and I am restating that complaint in full here. In summary, I am filing this compliant to address the unfair practice of not promptly returning an application fee for a refi loan application that was not properly screened at the outset, and for failing to communicate with me on two other applications, for failure to provide a reasonable escalation procedure and complaint process and refusing to provide a compliance contact despite repeated requests. Full text of previously filed complaint below : I have three properties to refinance. I spoke with XXXX XXXX at JP Chase and spent several hours with him via phone on XX/XX/21 and XX/XX/21 filling out applications for three properties and giving him detailed financial information for him. Based on all that information and an initial screening by XXXX, all three refinance applications were conditionally approved. I spent the next few days providing bank statements, W-2 forms, etc through the online portal. I had told XXXX that property A was being renovated. Within 2 days, XXXX got back to me to tell me that Chase would not refinance property A because it was under renovation. So, property A was never able to be refinanced. I told him, No problem, I'll just apply for the refi when the renovation is completed. I asked XXXX to please refund the {$500.00} application fee. XXXX said he would make a request to do so. XXXX then left to go on vacation that turned into an extended leave. While XXXX was on vacation/leave, I was in communication with other individuals, including XXXX XXXX and XXXX XXXX. They did not know anything about my discussions with XXXX, and repeatedly told me incorrect information about the status of my refinance applications, such as the appraisal date. They also asked for information and documents that I had already provided. In addition they either created or allowed to exist extreme confusion regarding some stock option income that I offered repeatedly to explain, and which I had explained in detail to XXXX. Five weeks later after numerous inquiries, the application fee for property A still has not been refunded. It is an unfair practice to encourage consumers to file mortgage applications that have no chance of going through. The relatively low dollar amount refi for property B has gone forward, but the refi regarding property C has snagged because of the stock option income that they have refused to engage with me on. I have asked for the refund and updates on the Property C refi several times, with no answer. I have also requested escalation over and over but my several emails have been ignored. I also asked XXXX for a compliance person to contact to help resolve the problem, but after numerous requests there has been no contact person provided. In addition XXXX said he would call me on XX/XX/21 at XXXX XXXX and never did so. XXXX XXXX was filling in for XXXX while he was out and she also was unhelpful in resolving this issue. I asked for her supervisor and she provided the name of XXXX XXXX. XXXX XXXX ignored my first email. I sent her another email asking about the status of my loans, and she did not answer that question either. The end result is that Chase has charged me {$1500.00} in application fees and continues to ignore my reasonable requests for status updates on the loans and on the status of the refunds. They seem to be trying to hide from the fact that they didn't know what they were doing with my account and have refused to take responsibility for their own error in having me pay for application that they should have known at the outset would not result in loan. I have taken steps to dispute two {$500.00} charges on my credit card. By email dated XX/XX/21 XXXX said she would put in for a refund for one application, however I have no confidence that it will be promptly processed. It shouldn't be this hard to get Chase to do the right thing. Moreover, I have no desire to do business with a mortgage company that is trying to rip me off, so I want the application fee for property C should also be refunded. | ||||||
| 08/23/2018 | Yes |
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| Yesterday, my XXXX XXXX VISA credit card ( # XXXX XXXX XXXX XXXX ) from JP Morgan Chase was stolen. I reported this to Chase today and requested a new card. This account was opened for the very first time only recently. In the course of reporting the theft and requesting a replacement card, I discovered several problems with its accounting. A list of problems with it follow. ( 1 ) Charges for this card show up under my online banking account. However, charges from XXXX post to the account faster than credits from it do. This was apparent when I asked about a credit for {$54.00} that XXXX told me it posted to the account yesterday, but which was not showing up on the cards activity today through Chases online banking website. This is unfair and disadvantages consumers. I asked that this be changed when I spoke to the Chase agent about the card. She replied in a manner that indicated it would not be changed so that charges and credits were processed with equitable speed. ( 2 ) Another problem with this card that disadvantages consumers is that charges only from XXXX show up on the statement, with no information about what any specific charge is for. This makes it difficult to impossible to know if any particular charge is legitimate since XXXX charges for each item when it mails it, not for an entire order. Therefore, it is too difficult to impossible to match up charges for an entire order of two or more items to charges as they appear on the credit card. ( Nor should XXXX and Chase credit cards be allowed to post charges to my account for items before they are received, much less if they are never received, yet this occurs as well. ) I also asked that this be changed. The Chase representative said I would need to talk to XXXX about this and XXXX blamed Chase. Neither XXXX nor Chase should be allowed to play this game of mutual blame without accountability from either for the lack of information provided for each charge. Customers should not be required to call both companies to try to find out what each charge was for, only to find that each of them blames the other and claims to have no control or authority for the fact that customers are unfairly treated. ( 3 ) As I spoke to the first Chase representative, the call was disconnected. I called back and got someone who claimed to be unable to get the account number I was required to punch into the phone for the account. The same person confirmed that the previous representative had closed the account and requested that a replacement card be sent. The first representative had told me that the card would arrive within 1 to 2 business days, without charge, yet the second representative claimed that additional verification would be needed to accomplish this. Next she proposed that she would send me a text message to my cell phone, the very one I spoke to her on. I told her I could not retrieve her code because I was talking to her on the same phone. Then she wanted me to speak to another party for the additional verification that she demanded. I then told her that the first representative had already told me that receipt of the replacement card would be expedited, that I would receive the card within 1 to 2 business days, but she still insisted that I talk to someone else about this. So Chase engaged in telling me false and misleading information about when and how the replacement card would arrive. It engages in wasteful and contradictory activity that also disadvantages customers who have this credit card. ( 4 ) Finally, I discovered when I set up bill payment arrangements for this card from my JP Morgan checking account that I will probably be charged a late fee on this card because the credit card division of Chase does not process payments the same day as is advertised in the bill payment section of my checking account. This is an ongoing problem that seems related to poor interfaces between JP Morgan bank and Chases credit card division for this card. Again, I should not be blamed for JP Morgans and Chase credit cards processing failures, much like the reported excuse about why charges are processed faster than credits are on this account. ( See # 1 ) | ||||||
| 06/28/2022 | Yes |
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| On XX/XX/XXXX, I received a text message from Chase saying that Chase declined a suspicious charge to my XXXX ending in XXXX to XXXX that Chase believed to be fraudulent. I logged in to my Chase credit card account and saw that there were actually two unauthorized charges made on XX/XX/XXXX : one to XXXX and one to XXXX ( which is owned by XXXX ). I called Chase immediately and let them know that neither charge was made by me and that no one I know had access to my card ( which was in my possession ). Chase advised that they would decline the charges, suspend my XXXX ending in XXXX, and replace my XXXX with a new card/number. Chase also advised that I would not need to do anything further. I thought that since I called Chase immediately and let Chase know that I did not authorize or make those charges, the matters were closed. Beginning in XX/XX/XXXX, I started receiving calls from a collection agency ( XXXX XXXX XXXX ) to collect a debt to XXXX. I wasn't sure if these calls were from a legitimate collection agency because I don't owe XXXX, or any related company, any amount of money, and I don't have any collections showing on any of my credit reports. I even opened a credit card with XXXX in late XXXX with no problems whatsoever. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX saying they are trying to collect a debt on behalf of XXXX in the amount of {$2800.00}. I then contacted XXXX. XXXX provided me with more information regarding the fraudulent charge that was not made by me or anyone I know. They confirmed that the charge was made on XX/XX/XXXX and that the billing name was under my name, XXXX XXXX, the billing address was under my home address, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and that the charge to my XXXX ending in XXXX was declined ( numerous times ). The email address XXXX provided ( XXXX ) is not my email address and has never been my email address. The shipping address XXXX provided ( XXXX XXXX XXXX XXXX, XXXX, XXXX, IN XXXX ) is also not my address and has never been my address ; I have never known anyone living at this address. Further, I don't know, and have never known, anyone that lives ( or lived ) in the entire state of Indiana, and I have never lived in the state of Indiana. Regardless of the declined charge, and regardless that I disputed the charge immediately after I learned of it, XXXX still shipped the items to the shipping address stated above in XXXX, Indiana, and the items were delivered to such address in XXXX, Indiana on XX/XX/XXXX. After looking into this matter, XXXX acknowledged on XX/XX/XXXX that this matter was both suspicious and fraudulent. On XX/XX/XXXX, I was contacted by someone who works for XXXX, and she advised that because I did not contact XXXX myself in XX/XX/XXXX ( even though Chase told me specifically that I didnt have to contact XXXX and that they ( Chase ) would handle everything else on my behalf ), XXXX Fraud Department and/oXXXX Finance Department can not help me resolve the issue with the collection agency ( XXXX XXXX XXXX ) since the matter happened over one year ago ( even though XXXX wrongfully sent my information to collections, and even though three different people I spoke to at XXXX admitted this was clearly identity theft ). XXXX also should not have sent the items totaling {$2800.00} to the XXXX, Indiana address since the transactions were declined by Chase from the beginning. In summation, I am a victim of identity theft, but neither Chase nor XXXX are helping me resolve this matter, and I'm the one who is having to fight the collection agency over a debt that is NOT mine for a purchase that I did NOT authorize. I have filed an Identity Theft Report with the Federal Trade Commission, and I have sent a letter with supporting evidence to XXXX XXXX XXXX XXXX XXXX. However, it would be VERY helpful if XXXX would take responsibility for their errors that took place and help me resolve the problem that I'm now facing with XXXX XXXX XXXX XXXX XXXX. If this matter isnt resolved in my favor, and quickly, I will be filing lawsuits against XXXX for wrongfully sending me to collections and XXXX XXXX XXXX XXXX XXXX. | ||||||
| 03/29/2022 | Yes |
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| Fraudulent/Unauthorized Wire Transfer On XX/XX/XXXX, at XXXX PM, I received the following text message from XXXX with the following message : Dear User, Your Order # XXXX for XXXX OLED XXXX is confirmed, You will be charged {$1400.00} from your account. Call XXXX support on XXXX to cancel. I then contact the above number and spoke with a representative, that I believed to be from XXXX and informed the representative that I did not purchase a television from XXXX. The representative informed me that he could stop the transfer for me and offered to help me. The representative told me to download an app ( Any Desk ) on my phone so that he could prevent the transfer. The representative told me that I did not have anything to worry about and that the transaction was cancelled. I did not realize that he could access my bank account through this app and did not know that a wire transfer could be made from my account through the app. I did not authorize any transfer and thought that he was stopping the fraudulent purchase from XXXX. I even heard noises in the background that sounded like other representatives talking to individuals. On XX/XX/XXXX, I received a call from my bank, Chase and the representative asked me if I made a {$25000.00} online domestic wire transfer via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I informed my bank that I did not make any wire transfers. Once I learned of this transaction, I looked at my bank account and noticed {$490.00} and {$12000.00} transactions that I did not authorize. I told the representative from Chase that there were two other transactions that I did not authorize and asked her to freeze all my accounts and cards. Chase stated that they would file a report and investigate the unauthorized charges. The representative from Chase also told me that a Identity Theft Declaration of Claimant Form would be mailed to me, or that I could go to Chase and get the form and send it directly to the claims department. On XX/XX/XXXX, I immediately went to Chase Bank in XXXX XXXX, Ca. and spoke with XXXX XXXX about the unauthorized transactions. XXXX explained the process to me, helped me complete the forms and faxed them for me to XXXX. I did not receive anything after the claim was filed with the claims department at Chase. I returned to Chase on XX/XX/XXXX and spoke with XXXX and let him know that the {$490.00} was credited back to my account, but the {$12000.00} transaction still had not been credited to my account. XXXX contacted the claims department for me and was told that the claim was closed because more information was needed from me. Several days after I spoke with XXXX, I received a letter on XX/XX/XXXX from Chase requesting additional information and I again completed the claims form on XX/XX/XXXX and again faxed the form to XXXX. Once again, I did not receive any information from Chase regarding my claim. I called the claims department and asked about the status of my claim. I was told that my claim was denied and there was nothing else Chase can do for me. My mother and I contacted the claims department together later that day and the representative told us that the claim was not fraudulent. I asked the representative why didnt I receive a notification from them regarding my claim? The representative told me, they do not send letters and it is up to me to call and check on my claim. I asked, what is my next course of action is for this claim because I dont understand why the {$490.00} claim and the {$25000.00} claim were returned to me, but the {$12000.00} that was also unauthorized was not returned to me? The representative told me that she can not tell me what else to do or give me any advice. I again, went to Chase bank and spoke with XXXX XXXX and he contacted the claims department for me. The claims department informed him that I needed to file a claim with the wire fraud department. As of today ( XX/XX/XXXX ), the {$12000.00} has not been credited to my account and I have not received any notification from Chase as to why my funds have not been returned. I did not authorize anyone to take funds out of my account. I am asking for your help in this matter. | ||||||
| 01/29/2022 | Yes |
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| On or about XX/XX/2022, I applied for a XXXX XXXX XXXX Credit Card with Chase Bank. Chase Bank 's online application system notified me that it was unable to render an instant decision ( no approval or denial ) but instead notified me that a decision would be coming within the next two weeks. I checked Chase Bank 's application system the following Monday with no change in status. I received a call the day after ( Tuesday, XX/XX/2022 ) from a representative that reported to be from Chase Bank 's fraud department. This representative asked questions to verify that I was the applicant and that the application was not a result of fraud ( that I had actually applied for the card ), and I informed her it was a legitimate application. The agent informed me that Chase Bank was unable to provide a decision on the phone but would instead send me a letter requesting that I verify certain information. I asked what information needed to be verified and the representative was not able to tell me. I asked what documentation might need to be provided and the representative was not able to tell me. I received separate notification later in the day that my application had been denied. It was still Tuesday so I had not yet received the letter, much less had time to respond to it, send it back to Chase, and allow time for Chase Bank to reconsider. After the call was completed, I received an another e-mail from Chase Bank -- time stamped while the call was taking place -- that another application for credit had been initiated. It is important to note that I did not authorize a second credit application over the phone with the fraud department representative and it was my impression that we were still working on the initial application. On Friday, XX/XX/XXXX, I still had not received Chase Bank 's verification letter. I called their " reconsideration line '' to speak with a representative to get exact information on the reason for denial. I spoke with a first representative after spending 40 minutes on hold only to be told that he had opened a duplicate application -- marked as a duplicate by Chase Bank 's systems -- and that he could not action on any other application. I would be required to hang up, wait on hold a second time, and re-state my case with another representative. Another 40 minutes on hold, this second representative informed me she could not find another application and was unsure that the first representative might have been discussing. I informed the representative that I was seeking that XXXX XXXX credit card and, despite the fact that she could only locate a duplicate application and not the original, and that she could not action on the duplicate, summarily provided me with a denial and a host of reasons why I was not eligible for reconsideration. These facts appear to be in conflict. This representative instructed me to ask for a " product transfer conversion '' with customer service and was transferred to that department. The customer service department took my call without speaking with the credit/underwriting department and so I was forced to re-explain my case. Customer service informed me that the product was not eligible for any conversion from any other credit product. I would be required to reapply. When pressed for an answer as to how the system might avoid flagging my application as a duplicate, the representative was unable to respond. When asked what the status of the first initial credit application was, the representative was unable to respond. I asked to speak with a manager in the lending department. I was transferred and sat on hold for another 10 minutes, but the call was picked, and promptly disconnected at Chase 's end. Chase did not adjudicate my initial credit application and violated the Equal Credit Opportunity Act, committed fraud by providing a false denial, misrepresented my credit application status, violated FCRA by refusing to reconsider my application, committed fraud by filing a second credit application, and violated the FCRA by refusing to consider mitigating circumstances made necessary in part from incorrect information provided by a credit reporting agency. | ||||||
| 02/16/2022 | Yes |
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Web | Servicemember |
| XXXX XXXX operates several businesses, including one that conducts home inspections. He was a business associate of my realtor and friend, XXXX XXXX. I trusted XXXX XXXX based on this relationship and previous free advice XXXX XXXX provided to me during an insurance claim in XX/XX/XXXX. I contacted him in approximately XX/XX/XXXX for his general contracting services as a result of damage to my property from a storm in XX/XX/XXXX. I paid {$1200.00} to his personal XXXX account in two installments - the first on XX/XX/XXXX for {$1000.00} and then {$200.00} on the XXXX. He " advised '' me through the insurance process and visited my property to meet with the adjuster from my insurer on one occasion and then again with an engineer also sent by my insurer. On XX/XX/XXXX, XXXX XXXX sent me an invoice for {$2000.00} which included a credit of the money already paid ( {$1200.00} ) for " temporary roof repairs. '' When XXXX XXXX learned on XX/XX/XXXX, that the insurer approved the estimate he provided to me ( sent via email on XX/XX/XXXX ) in full - more than {$33000.00}, he decided that he wanted all of the money for profit and overhead and the roofing, which amounted to {$17000.00} in addition to the {$1200.00} already paid. I asked him several times to provide me with a detailed scope of work he intended to do once it became clear that he was not going to do everything in the estimate. We discussed having him " sub-contract '' some of the work to me so that I could do things like paint the ceiling or other areas myself. This was agreeable to me except that I still wanted a clearly articulated scope for the roof work. I later learned through research I conducted in disputing this charge with my credit card company, that AZ law only allows a XXXX to collect the profit and overhead if they complete three or more trades. In this case, XXXX was only conducting roof work, and thus not entitled to the XXXX XXXX XXXX This is stated on page 2 of XXXX 's estimate. On XX/XX/XXXX, XXXX XXXX demanded that I pay him the full amount of {$17000.00} before XXXX. I explained there was no way I could because I didn't have the check yet and expressed concern because the work wasn't even going to be done until later the following week ( after XX/XX/XXXX ). He insisted that I pay half, which I did with my Chase credit card on the 2nd {$8500.00}. I became very concerned about XXXX XXXX 's intent and on XX/XX/XXXX, notified him via text that I didn't intend to use his XXXX services. I offered alternate compensation and requested a refund of the amount paid ( {$8500.00} ) and told him that I would write a check for the agreed upon amount for his assistance essentially as a public adjuster once we agreed upon an amount. He became irate and ultimately sent me several extortion text messages after I disputed the charge with my bank on XX/XX/XXXX. He has NEVER done any work as a XXXX other than take photographs and provide an estimate. He denied acting as a public adjuster in his response to Chase and thus all the money he retained - {$9700.00} is fraudulent because he didn't do the work for which I paid. I ultimately hired another licensed contractor to complete the roof work- XXXX XXXX XXXX. I filed the dispute on XX/XX/XXXX as NON-RECEIPT OF SERVICES and the dispute was denied on XX/XX/XXXX based on " incorrect code '' for the charge back. I contacted Chase immediately and filed an appeal using the " correct '' code canceled services, work not a described, which is not entirely accurate. Either way, the merchant sent me several threatening extortion texts and emails demanding payment. He is being charged with harassment and I am attempting to add fraud and extortion to the charges through the local PD. The resubmission was received by Chase on XX/XX/XXXX and they sent me a letter on XX/XX/XXXX stating that they were still reviewing. This is unacceptable. I did not receive the services I paid for both because I canceled them and the merchant never provided them. I should NOT be forced to pay a criminal extorting me because Chase can't figure out what happened. The merchant has also submitted altered documentation and is lying. | ||||||
| 03/19/2019 | Yes |
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| On XX/XX/2019 there was an unauthorized online money transfer initiated from my Chase Debit account to an anonymous recipient in the amount of {$300.00}. This recipient was added to the account 1 minute prior to the money transfer. After calling Chase to report the fraud ( the same evening as it happened ), my online account was suspended.I had been hacked. I was told I didn't need to cancel my physical card since the fraud was through my online account. They also credited my account for the amount of the fraudulent charge. 10 days later I had heard nothing from Chase so I called them and they informed me I needed to cancel the debit account effected and open a new account. Upon opening a new debit account the Chase representative said she could simply link my new account to the existing card and did not need to order a new card only to find out later I did need to order a new card for the new account due to the fraud. The new card arrived the following Monday, however the new pin never did, so I again had to take an extra step and physically go to Chase for assistance with the pin. On XX/XX/2019 I received a letter from Chase stating the fraud was authorized and the amount they had credited would be revised. Their phone costumer service was beyond rude so I went to a branch the next morning. There the representative explained that on their end the fraud looked authorized because it looked like the log in was made from my mobile devise. Back on XX/XX/2019 I had left my phone unlocked at the XXXX XXXX to get my phone replaced between XXXX XXXX- XXXX XXXX, leaving all of my stored information vulnerable to it's employees. I explained all of this to the Chase representative on XX/XX/XXXX and after some phone time with their fraud department he stated again that according to their system the charge was made from a previously authorized device around XXXX XXXX. ( After I had gotten my phone back from XXXX ) I spoke with someone who worked at the XXXX XXXX XXXX and they informed me that there are so many cameras behind the scenes during repairs, that it would be difficult ( but not impossible ) for someone to access my information and submit the fraudulent transaction. His advise however was that it would be more likely that a hacker got a hold of both my XXXX ID and bank log-in information and then could easily simulate my devise to make the transaction - making it look like it was coming from my device. While I understand why the bank is making the verdict they are, I think it's wrong they are not taking my statement more serious saying that I had been hacked. Sure their company security wall was not attacked, but one of their loyal costumers is asking them to help with an online attack to their personal money and all Chase told me - literally- was to " Ask the person for my money back since I clearly knew them ''. There are so many articles out there about hackers targeting your mobile phones and online accounts, why is Chase just brushing this off? There's even hackers out there who film you on your phone and then slow down the footage to watch your finger movements for passwords. Whether the amount is {$500.00}, {$50000.00} or just {$50.00}. A bank should be doing everything in their power and protect your money. XXXX knows the second you're late on payment they wont stop calling you, why should their persistency be any different for fraud. Under the Fair Credit Billing Act I have zero liability on debit card related fraudulent charges if I notify them immediately - which I did. I suspended my online account, closed my existing debit account and opened up a new one, had to order a new card and pin then update all my billing accounts. I believe Chase is violating that right and I would like to exercise my right to investigate this further after Chase refused to be of further assistance. Especially as this is happening just half a year after the indictment of a XXXX hacker who hacked 80 million JP Morgan costumers.. ( who reportedly didn't get bank info but what do we really know anymore ). At this point it's not even about the amount anymore, it's about a company keeping it's costumers safe. | ||||||
| 03/15/2019 | Yes |
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| On XX/XX/2019 I applied for a XXXX credit card through Chase.com and received an email notification that my application was under review, attached ( item 1 attached ). I also received an email from XXXX XXXX letting me know chase had pulled my credit due to a new application ( item 3 attached ), which I was fine with because I did apply for the credit card. When I had not heard anything from Chase within two weeks I got concerned because I have excellent credit so I started calling the 800 number provided to check the application status. Every time I would call I received an automated response that said " your application is under review. We will notify you of our decision in writing ''. I waited and waited, no correspondence received from Chase. I am XXXX and this all very important to me so I continue to check on the status. The automated system continues to tell me my application is under review. When I called today ( XX/XX/2019 ), the automated system told me they could not locate my application so that immediately was an alarm bell. I called the Chase customer service line and was routed to a few different folks that couldn't help me because they couldn't locate my application on their end before I was finally routed to lending. Lending tells me that the application had expired because they needed more information from me, but I never received an email, phone call or any correspondence notifying me of this. They asked if the address they had on file was correct. I told them yes that was correct so there is no other logical explanation other than I suppose the correspondence was lost in the mail. I have to take their word they sent it out and they have to take my word that it was never received. I asked well can I dispute this because this is now affecting my credit and they said no because I accepted their terms and conditions that states the application will expire within in 30 days. I have read through the terms and conditions ( item 3 attached ) and it is no where in there. I always read those and if had seen that I would have absolutely been calling every day asking to speak to a human in order to get a status update. I relied on the automated system that failed. I also think it's insane that they only send out one piece of correspondence regarding pending applications, knowing that if they never hear from the person it will affect their credit for two years! Their response to this was " well do you know how many applications we get, we can't possibly follow up on all of them. '' I refuse to accept this. It's unfortunate because they clearly didn't want my business if they didn't bother to email or call me and now I'm stuck with a hard hit on credit and no credit card to show for it, despite my credit worthiness. They last thing they told me was that they would be happy to process another application for me for a different product that would result in another hard hit to my credit. I was thinking, are you insane. I will never go through this process again with Chase. Unfortunately, I have my mortgage and other cards with Chase and was even considering moving all of my checking, savings and money markets to them because was generally happy with them before this experience, but I will absolutely no longer be doing with Chase after this ridiculous experience. The worst part was that they kept insinuating the issue was on me. That I didn't follow up with them because they needed more info ( likely to verify an address or something minor ) and that it was all outlined in their terms and conditions, which it is not. The big banks often hide behind their T & Cs when likely the representative has no idea what's in their. I argued that the verbiage described in indeed NOT in their T & Cs then representative then referenced me to the Fair Lending Act stating that the 30 day expiration period must be outlined there. My rebuttal was what logical person would apply for a credit card, knowing it would affect their credit and then just be like " oh well, they need more info, but I'm not going to bother to respond knowing that all this would be the outcome ''!?!? Thank you for your time. | ||||||
| 03/02/2020 | Yes |
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| I was financed for a new vehicle on XX/XX/XXXX and after I explained to the lender that I do not get paid normally like most people do. I get paid about every 3 months or so and I make my payments when I do. That wasn't a problem at first. The lender claimed they understood the situation and they always got paid at some point anyway, so, no harm, no foul, right? I didn't have a problem paying the late fees because I understood their stance as well. All I asked is that the late fees be deducted after the principle amounts were paid. In other words, I wanted to be paying off the loan, not making late payments for 15 years. They understood and agreed. At one point, they no longer sent me statements, showing where my money was going. They told me I could find this information in my online account, but this was not true. They had limited my access to where I could not see where the money was going, only my profile information and due dates. Very generic and vague information. I had made a few calls to inquire, and the total amount owed and paid they had given me was not at all close to what it should have been, even by doing the math in your head, you could tell it was not right. I asked on 2 different occasions to have a payment statement mailed to me. I wanted to check their records against mine, and they agreed to send me the information. However, I never received it. On XX/XX/XXXX, I sent them an offer to tender payment. I never heard anything back from them. Now, I've learned that they've charged off the loan. I've had several issues with whoever continues to stalk my property, follow me wherever I go, etc. This began prior to the chargeoff, but shortly after I sent the offer to tender payment. A chargeoff has been applied to my credit report. I can not in my best interest continue to pay on a note when the lender refuses to provide me with their account of what's owed to match with mine. The reason they're doing all of this is because they have added several thousand dollars to the total price in the note. Furthermore, the contract they gave me has a bogus total amount that I didn't agree to, and they have it in a place I didn't look when I signed the contract originally. It looks harmless, but it is a contract. I was not given any notice of another about to be paid. It doesn't matter if they added it incorrectly. That's their mistake and it voids the contract for I wasn't given all of the information about the contract, and if I had noticed this price increase, I wouldn't have purased the vehicle, or at least not had them finance the vehicle. Granted, the payments I was making to the best of my knowledge we're accurate with what I had agreed to pay, but given all the sneaky things they've done up to this point, it doesn't surprise me that they would try something like this. The total price increase from their fraudulent contract is about {$6000.00}. Once I caught on to this, I notified them and this is about the same time they started getting sneaky. Now they've sold their fraud to someone else thats going to expect me to give up the vehicle when I haven't done anything wrong but make some late payments on a fraudulent contract. The lender has chosen not to speak to me any further in writing, which is how I prefer to do things. Lastly, I recorded the phone conversations where I asked for a payment statement to be mailed to me, and when they agreed to do so, but they just never did. The offer to tender payment should have been replied to, yet they charged it off and sold it to cover their own. The amount financed was {$37000.00} I agreed to pay the total of payments equaling {$48000.00} and after my my down payment of {$6000.00}, somehow I'm supposed to pay the total sales price of {$54000.00}. It's in the attached copy of the contract. Additionally, my credit report states that I have made 56 % of my payments on time. How accurate that is, I'm not sure. {$20000.00} is what I have paid to date. They are claiming I still owe {$26000.00} not including interest to be paid which is around {$11000.00}. I haven't done the math on this yet, but I think I see what they're trying to do and it's fraud. | ||||||
| 06/12/2018 | Yes |
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| On XX/XX/XXXX, my mobile and online banking system did not allow me to log on stating my account has been closed and for me to contact customer service. I immediately contacted the bank and they stated they will no longer be of service to me and that I will receive a letter in the mail within 2 days. I did not understand the reason 's why this was happening, tried asking " why, what caused this to happen '' and no answers. I currently have a checking and savings account, along with a college account for my son and a checking account for my daughter. I go into a panic mode, reach out to my children to ask if they have access to the accounts via the mobile app and they were able to get in. My son had lost his debit card and noticed a few fraudulent transactions, 2 checks were deposited on XX/XX/XXXX and withdrawn onXX/XX/XXXX in the amount of 2 {$1700.00} transactions took place somewhere in XXXX. Once the fraud claims were submitted they advised his card was canceled and that this issue should only affect his account and mine would remain open, which was not the case. I contact the bank again after speaking to my son on XX/XX/XXXX and the response was the same, the account was closed and I will be receiving a letter in the mail and a check in the amount of all the money in all the accounts. I was so confused as to what was going on, I decided to go to the closest branch in XXXX XXXXXXXX and spoke to a Bank Representative. I explained what happened, she takes my information, does her research, calls someone to try and explain why all of my accounts were going to be closed however, she wasn't having any luck. She asked if my son was here, I confirmed yes he was and had him show up to the bank to confirm he was in Florida and not in XXXX. We looked at the checks that were deposited and I even showed her the signature on the checks does not match my son signature. At that point we get a customer service rep on the phone that confirmed my accounts were being closed, due to an online transaction they were no longer going to do business with us. At that point I began to feel like the criminal and not the victim of a fraudulent activity. The customer service representative stated you will receive a letter in the mail with an explanation and that was it. This has caused major frustration in my family, no money, unable to withdraw not even a few dollars to help make it through the week. On Thursday, I finally receive a letter under my daughters name and my son with all of my accounts listed stating " you can no longer use your accounts ending in '' and " we have blocked the accounts above and will close soon ''. We're doing this because of a recent activity on the accounts or because you didn't provide information requested, which that never happened. My accounts are set up to where the college account can't purchase anything if he doesn't have the money in the account and we have notifications set up for deposits over {$120.00} and low balances for anything below {$50.00} dollars in which in this case " we never got any type of notifications for the fraudulent deposits, withdraw, etc. ". On Friday, XX/XX/XXXX we go back to the bank and speak to the Private Client Banker and I explained what happened, that we've been waiting for the checks and the letter explaining why they closed my account and he starts by calling customer service. Come to find out my daughter will be receiving her check and was advise she can reopen an account if she wants to, which brings us to think why did they even close her account if it didn't affect her. He advised me that my account is under investigation due to the fraudulent activity and pending claims to be processed. I asked for an estimated time for all of this to be over and he wasn't able to tell me. I've had to ask my family for financial help since I'm unable to withdraw money from my account and my question is, shouldn't I've been notified prior to my accounts being blocked? Or received a call or email notification asking if I've done these transactions? But no, they block my account, no explanation what so ever making me feel like the criminal instead of the victim. | ||||||
| 11/30/2017 | Yes |
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Web | Older American |
| On Sunday morning XX/XX/XXXX, torrential rain from hurricane Harvey caused XXXX XXXX to overflow inundating my neighborhood in XXXX with over 3 ' of water. I along with my neighbors drug our soggy furnishings to the curb and vacated our homes. I had flood insurance and filed my claim with FEMA. On XX/XX/XXXX, while waiting for my claim to be completed by FEMA, I notified my mortgage company JPMorgan Chase of the extensive damage to my home. I started with the Claims department at XXXX. I was told I would need to wait until I received my FEMA check to open a Claim. I was told my check would be placed in an escrow account and paid back to me in partial reimbursements as rebuilding progressed. I explained that this process would not work for me and for a lot of other XXXX residents who would not have the opportunity to rebuild. The response was, " Of course, you will rebuild your home. Why would n't you rebuild? '' I explained that many XXXX residents would not rebuild because of high ICC [ Increased Cost of Compliance ] costs. I explained my understanding was the City is not issuing a building permit if the home is below the flood plain and is substantially damaged [ more than 50 % ], unless the foundation is raised to 4 ' above the flood plain. I pointed out a number of people do not have the funds to invest an additional {$150000.00} in their resident. I explained I would be demolishing my house in order to sell my lot at a future date and was requesting my FEMA check, whatever it was, be applied to my outstanding mortgage. I was advised that there was no process in the Claims department for clients who were not rebuilding. I was transferred to the Mortgage department who told me they had no process in place for a FEMA check to be used to pay down a mortgage. I was advised that in order to make a partial payment on an existing mortgage, I was required to send a letter requesting approval. When I asked what factors would be considered in this appeal, the Mortgage department said it was a Claims issue and got the Claims department back on the line with us. The Claims department said they did not have any information on pay downs which was a Mortgage issue. I explained to both representatives that I was not the only one of their clients in the same situation in XXXX and they needed a process. I said I would call back when I received my FEMA check. Upon receipt of my FEMA check on XX/XX/XXXX, I called the JPMorgan Chase Claims department and opened a claim. I advised my FEMA check was for {$130000.00} [ 60 % damage ] and I was requesting the check be applied as a pay down to my existing mortgage of {$210000.00} rather than placed in an escrow account for rebuilding. I did not request refinancing. I would continue my monthly 4 % mortgage payments of {$1100.00} on the reduced principle until my lot was sold. I was advised to sign the check and take it to a local branch for deposit in an escrow claims account. I was advised to include a letter requesting the check be used to pay down my mortgage. The local branch would fax the letter to " the corporate office for approval '' and I should hear something in 7-10 days. I asked what factors would be considered in my appeal and if the corporate office was aware to the rebuilding requirements by the City of XXXX. I asked if I would be paid interest on the escrow account. I was told the interest paid would be 1 %. I asked why I should pay 4 % on my mortgage priciple when they had my money. I was told that was the process. I said the process did not work for me or for a number of other Chase clients in XXXX. There have been a number of subsequent completely unsatisfactory contacts with Chase. How will clients who can not afford to rebuild access their money if they do what they are told and deposit their FEMA checks in an escrow rebuilding account? I was told the funds would be held until I paid off the loan in full. What if a client does not have the money to pay off the loan? How will they ever get control of their money? Is this a lack of process due to the lack of knowledge of local requirements? Or is it a scam? What are other mortgage companies doing? | ||||||
| 01/09/2018 | Yes |
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| I AGAIN have to resubmit a complaint regarding Chase Auto. This is now my THIRD escalation to the CFPB regarding this matter. Chase Auto continues to provide responses that are inaccurate and untrue. Additionally, they are not responding in full to my concerns or providing any resolution. The two responses provide feedback that contradicts what the other one says. I want to break this down in hopes that I get a true and honest response from Chase. It is concerning that these responses are coming from on executive level office and have this many inaccuracies. In my response from Chase, I request that they number their responses to correspond with my numbered concerns in order to ensure that they have addressed each matter in full so that I can stop running on this hamster wheel they have put me on. 1-In the letter from Chase dated XX/XX/XXXX they state that my XXXX account is neither a demand deposit or checking account. So, they are unable to pull the payment from that account. In my escalation back on XXXX/XXXX/XXXX I provided my XXXX statements that PROVE that Chase has historically pulled my payments from this account. My XXXX account is both a demand deposit and a checking account. My payroll is direct deposited in this account. Additionally, all my bills are pulled by other companies ( much smaller than Chase ) directly from this account. There have been no issues. Then in Chase response dated XXXX/XXXX/XXXX they stated that the do not accept direct check payments from online banks. Again, I am submitting the proof that they DO. There is no reason for this. My account is a BANK account ; it has an account number and a routing number. By failing to accept direct payment from my BANK account you are causing me financial harm. Please advise why Chase ( who has pulled payments from this account historically as shown in enclosed bank statements ) is now claiming they dont? Now when I called Chase bank they conveniently offered to sign me up for a bank account with Chasenow isnt that just a coincidence?? NopeI think you are refusing my payment to try to earn money both on my interest and by forcing consumers to open bank accounts they dont want. That is a no no! Please advise in your response to me, why you have historically pulled payments from my XXXX account as proven and why you are stating you dont? Why is there a contradiction here? Additionally, please advise why Chase refuses as I have bills from XXXX, XXXX XXXX, and all my major utilities pulled from my bank account with no issues. And you have had no issues in the past either. This seems to be an excuse to cover your refusal to take my payment in order to charge me more fees. 2-Chase states in the letter dated XXXX/XXXX/XXXX that XXXX XXXX XXXX is affiliated with XXXX XXXX XXXX. FALSE!!! It is a CREDIT UNION!!!!! A credit union by definition is NOT A BANK!!! Nor is it affiliated with a bank. If you were using a routing number that got you to XXXX XXXX than you were using the wrong routing number, NOT the one I provided you and confirmed at minimum 5 times over the phone with your representatives. You are obviously doing something incorrectly and refusing to be accountable for it. 3-Chase states in the letter dated XXXX/XXXX/XXXX to contact them once I make my payments. HOW DO I MAKE A PAYMENT? They refuse to draft from my XXXX XXXX account anymore, they claim my Credit Union account is a XXXX XXXX XXXX account ( it is not ), and the last time I had to XXXX XXXX a payment, which is wrong, I shouldnt have to pay more to try to make a payment that Chase cant seem to handle pulling even though historically they always have. Please advise. 4-There will be NO negative credit reporting on this otherwise there will be a lawsuit. I am TRYING to make payments and Chase making excuses and telling lies to drag this out and make more money is maddening. But I am not paying fees for XXXX XXXX and/or money orders for this as I have two bank accounts that are more than acceptable and historically Chase has pulled from. 5-Chase did not provide a response to my reimbursement for the XXXX XXXX payment I had to make. I want reimbursed for this. | ||||||
| 09/19/2023 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX my car was broken into in XXXX California. At approximately XXXX the break in was reported to the police. At approximately XXXX, then again at XXXX Chase was called and the theft was reported to them. A new debit card was issued. ( See attachment " Call Log of report to chase immediately after calling XXXX '' ). XXXX XXXX XXXX Sheriff 's Department Case # XXXX This case number is for both the car break on and the Chase branch theft. ( see attachment " XXXX XXXX '' ) On XX/XX/XXXX just after XXXX we received a phone call from a teller at a branch in northern California XXXX we are in XXXX XXXX XXXX. He explained that someone came into the branch and was very suspicious. We confirmed it wasn't us, and he explains he was just then putting fraud alerts on our account. He advised us to login and change our account passwords. XXXX minutes later at around XXXX I sat at my computer to change our passwords. When I logged in at that time I discovered that {$1900.00} was missing from our checking account ( see attachment " Fraudulent Withdrawal slip that XXXX XXXX '' ). It was a withdrawal, IN PERSON at a Chase branch ( see attachment " Branch Location Where Fraud Took XXXX '' ). It's assumed that the person used my stolen California Drivers license. It is unknown how and what other form of ID they provided. And at this time, there should have been alerts. Again, if not when I first reported the robbery/theft on XX/XX/XXXX. But just earlier that morning from the other teller that called us. At this moment, XX/XX/XXXX at XXXX we still do not have OUR MONEY. It has been XXXX calendar days, XXXX business days. The only compromise the branch manager was willing to do was give us {$200.00} cash on XX/XX/XXXX, because it was our sons XXXX birthday the next day. So of the {$1900.00} that is owed, we are now still currently owed {$1700.00}. In addition to not having our money Chase has taken the funds from a fraudulent check that the person attempted to deposit. In the amount of {$3400.00} ( see attachment " Fraudulent Check that XXXX XXXX XXXX ). **Please note we went to a branch ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX immediately on Saturday the XXXX. We also were at the branch multiple times during the week of XXXX XXXX. This fraudulent check wasn't discovered until the XXXX or XXXX, when the funds were pulled from our account. At no point in time did any funds from that fraudulent check hit/credit our account. Not one single penny. Yet Chase has taken those funds out of our account. The {$1900.00} that was stolen from us was our own money. From our payday just the day before. So at this moment in time Chase has not credited us back OUR {$1700.00}. But also has the fraudulent {$3400.00} check posted against us. Our checking account is sitting at XXXX. We are a family of XXXX. We have XXXX young children and haven't had access to OUR money in 10 days now. We are unable to put gas in our cars or buy groceries to feed our children. We are becoming severely impacted by the lack of Chase 's attempt to correct THEIR wrong. The hardship this iscreating is spiraling. I missed work on Monday of last week and my husband had to end up missing work Wednesday because of this. We are beyond stressed with what this is doing to our bills and situation. And it's only getting worse. We were not only proactive in reporting the theft to Chase but we have done everything within our power to provide patience and information for Chase to resolve this. And they have yet to do so. At the end of the day Chase is liable for forgeries. And they have a legal and likely contractual obligation to only pay items properly payable against our account. And they were unable to do so. Again, at no fault of ours. Chase is at this time also denying that they are obligated to provide us provisional credit while they do their investigation. They are stonewalling us and have us in an absolute chokehold. Our children are the ones really paying for this. We are now obtaining legal direction and advice, and will move forward with this situation according to their direction. Starting with this report here. | ||||||
| 01/05/2022 | Yes |
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Web | Older American, Servicemember |
| Hello we need your help we are senior citizens that have been taken advantage of by Chase bank. I feel I need to share my story as it affects all people that remotely deposit checks through their cell phones. Myself and my father-in-law are victims of a crime that encompassed a crime by the perpetrator, banking negligence and this could ( and will ) happen again and again unless people know. In late XXXX my father-in-law wrote me a check in the amount of over {$5000.00} dollars. I deposited the check remotely on my cell phone as I do most of my checks in fact with COVID all of my checks. I scribbled deposited on the check that was deposited with the intent to file the check away with my other checks. Somewhere along the line I lost track, maybe I threw it away, I dont know if it was stolen, if it dropped out of my notebook but somehow the deposited check that already cleared unbeknownst to me was missing. Later on in XXXX the check resurfaced and was redeposited by a criminal and then paid out once AGAIN by my father in-law. My father in-law noticed that the check was cashed again and called the bank. The bank manager XXXX XXXX at CHASE located in XXXX Center Drive in XXXX XXXX investigated the incident and determined that the check was washed the re-deposited. Check washing is a process, where mail snatchers erase the ink on a check with chemicals found in common household cleaning products and then reuse the checks by rewriting them to themselves. So once the Payee is removed they either write in cash or a persons name and go cash the check. Well that is exactly what happened to me and my father-in-law. Interestingly enough the bank personal are aware and even trained on the washing process. So heres where it gets really interesting because you would think if the bank has safeguards in place for this type of fraudulent behavior the perpetrators they ( the perpetrators ) would have a hard time redepositing the checks. Apparently CHASE does have this safeguard in place but in our instance and in my father-in-laws instance the check was deposited and cashed and paid twice and guess who paid twice you guessed we did! Now heres where it gets really unbelievable. CHASE acknowledges the fact that they should have prevented this from happening in fact the perpetrator actually tried to deposit the check at an ATM and the ATM did in fact flag the check and bounced it back. Then they attempted to cash it at the bank and this time they succeeded. So you would think with all of the insurance that these big banks have and the fact that they have irrefutably discovered that it was a fraudulent transaction, and that they know about washing checks they would pay us back, make us whole and offer an apology and perhaps a bottle of wine and dinner, maybe even interest. However, thats far from what happened Chase has been completely unresponsive the branch manager at the Chase XXXX XXXX where my father-in-law has his account did say from the very beginning that the bank is doing its due diligence and we would be made whole in just a few weeks. A few weeks turn into months, a then a few months until finally the branch manager said I dont know what to do anymore they are just not cooperating with me I feel sorry for you, youre the victim we were wrong you are right I just dont understand why they wont cooperate. Thats great but I dont know why either and why are we even discussing this? Today the saga continues we have NOT been paid back, we have been placated strung along lied to but they have not risen to the occasion and made good on the check that they deposited twice and my father in-law and I paid twice they just simply took it out of our account and offered nothing in return other than excuses. Now we are at the point where we are turning to the institutions that govern banking such as the CFPB ( Consumer Financial Protection Bureau ) and hold CHASE accountable. Myself XXXX XXXX and XXXX XXXX ( my father in-law ) are available for comments and anxious to tell our story about the dangers of remote check deposits with CHASE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 03/22/2020 | Yes |
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| On XX/XX/XXXX, I began an online application to refinance an existing mortgage with JP Morgan Chase. The mortgage is for a duplex that is an investment property, and for which Chase holds the current mortgage. I intended to refinance and take cash out, so I could pay off a HELOC on my primary residence. On XX/XX/XXXX, I received and email from XXXX XXXX, the loan officer assigned to the application. I accessed the online portal and began uploading documents. I clearly stated to XXXX ( and this will be documented in recorded phone calls ) that the property was a duplex - and old house converted to 2 units - and provided all documents ( including two rental agreements ) that confirmed it was 2 units. XXXX stated that it would still be considered a single family home, because it was a single physical house. On XX/XX/XXXX, I received confirmation that the loan was submitted to underwriting. On XX/XX/XXXX, I logged into the online portal to check the status, and saw a note stating that the underwriter needed additional information about the second unit, and that the second unit was not disclosed on my application. I immediately emailed XXXX ( cc to XXXX XXXX, who had sometimes stepped in on my application ) to ask about why I was receiving this note, when I had clearly disclosed the information. XXXX stated in email and in a phone call that he was the one who made the mistake ; he did not understand how a 2-unit property should be handled, and that he would work with his team to resolve the issue. He stated that the lending estimate that I had been given would now be wrong, because a 2-unit loan would have higher rates and fees. At this time, I began asking XXXX to provide a new a new loan estimate, so that I could review and decide if I wanted to move forward with the loan. On repeated phone calls and emails, he assured me that he would get these to me ASAP, but I never received them. In early XXXX, the appraisal on the house also came back slightly lower than our initial estimate. In a lengthy phone call, XXXX explained that the max LTV for a 2-unit property was also lower than a single family property, so I would no longer be able to take out enough cash to pay off my HELOC, unless I brought significant cash to closing. I told him that I would be interested in taking out the max cash possible, paying off the bulk of the HELOC, and that I would still be able to cover the remaining HELOC payment. ( My own personal debt to income ratio is quite low ... I was not at risk of disqualifying because of that. ) He said that he understand, and would re-run the loan that way and send me new disclosures. I never received them. On XX/XX/XXXX, I emailed XXXX and his supervisor, XXXX XXXX, to formally complain about the delay in the application. I received the following response : " You have been very understanding. For this, I have submitted a request to refund your {$500.00} Good Faith Funds at this time in an attempt to make things right. Do be aware that since the funds were used for the appraisal, the refund may have tax implications. I will keep you posted and notify you of the results of the request. '' I emailed in response, asking if this meant my application was being cancelled. I received no response that day or at any time since then. On XX/XX/XXXX, I received a form letter letter from Chase : A Statement of Credit Denial, Termination or Change. It notes that my application was denied because of 1 ) " Value type place or condition of collateral insufficient or unacceptable '' ; 2 ) " Insufficient funds to consummate the transition. '' Neither circumstance is accurate. I have also not yet received a refund of the application fee. This loan ( as it was originally disclosed ) would have cost tens of thousands less than my current mortgage. I am now out the {$500.00} application fee, countless hours of time, and thousands of dollars in future interest because Chase provided inaccurate information, ignored repeated requests to provide updated and accurate information, wrongly denied my loan application, and failed to remedy the situation when I tried to work with them directly. | ||||||
| 02/19/2022 | Yes |
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| I called Chase on XX/XX/XXXX and requested to cancel my XXXX XXXX credit card account. The representative asked if I wanted to transfer my account to a card with a lower annual fee, and I confirmed my desire to close the account. I specifically requested to close my account in XXXX to avoid paying the following year 's annual fee that was scheduled for XX/XX/XXXX. On XX/XX/XXXX, I discovered that my XXXX XXXX account had not been closed and I was charged annual fees ( the reason for my request to close my account in the first place two months before ) of {$550.00} and {$75.00} on XXXX XXXX XXXX. Three additional charges had been approved on the card after XX/XX/XXXX from online accounts that I'd forgotten to remove the credit card number from. I called Chase 's customer service on XX/XX/XXXX and asked them to refund the annual fees plus any interest that had accrued from those fees. I was told that the fees could have been refunded if I had requested to do so within 90 days of them posting to my account. ( XX/XX/XXXX was XXXX days past that deadline. ) After telling the representative that I was unaware of the annual fee charges because I had requested to close the account and again having my request to refund the charges denied, I asked for a supervisor. I reminded the supervisor that I called on XX/XX/XXXX to cancel the card and asked them to listen to the call recording for confirmation. The supervisor told me that they would investigate the matter and that I would receive a letter within 10 days informing me of the company 's decision. I received a letter on XX/XX/XXXX stating that my request to have the annual fees and interest refunded had been denied. I called Chase 's customer service again that day and spoke with another supervisor named XXXX. I explained my situation to XXXX and outlined the following : - I have a phone log from XXXX XXXX XXXX proving that I called Chase 's customer service on XX/XX/XXXX. That call lasted 24 minutes. - I redeemed the full balance of my XXXX XXXX rewards points on XX/XX/XXXX, further supporting my desire to close the account that day. - I averaged XXXX charges per month in the XXXX months preceding XX/XX/XXXX and paid my balance in full each month. A total of three charges were made ( unintentionally ) after XX/XX/XXXX and the only payments made to the account were automated minimum payments. I asked XXXX to consider the pattern of events, all of which support my claim that I thought my account had been closed as I requested on XX/XX/XXXX, and once again asked that Chase refund the annual fees and any interest associated with those charges. I told XXXX that I did not wish to close my account DURING THE TIME THAT THE ACCOUNT WAS IN DISPUTE because I didn't want to lose the {$300.00} annual credit that they apply to travel purchases if my dispute was denied. XXXX told me that she would process my request again but they would have to close my account in order for them to process a refund. I told her again that I didn't want to close the account without a guarantee that the annual fees would be refunded. Approximately ten days later, I received a letter from Chase stating that my account had been closed. To recap, Chase neglected to close my account when I requested to do so on XX/XX/XXXX. They then charged annual fees totaling {$620.00} on XX/XX/XXXX. I requested that they NOT close my account on XX/XX/XXXX while the account was in dispute, and they immediately closed the account against my wishes- thereby stripping my cardmember privileges paid for with the annual fees they refused to refund. I believe that Chase has shown a pattern of illegally maximizing their profit at my expense while I was their customer. Their unwillingness to close my account when I requested to do so last XXXX earned them an additional {$620.00} in fees, and they decided to close my account- despite my clear request to not close it - when they realized they would have to credit {$300.00} in travel charges per the terms of their cardholder agreement. This totals a {$920.00} ( plus interest ) loss for me since the day that I asked to close my account. | ||||||
| 12/08/2021 | Yes |
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| I got a text from ( XXXX ) XXXX on XX/XX/2021 saying " XXXX : Chase Bank Fraud Dept. Did you attempt a purchase at XXXX for {$340.00} in XXXX, TX? REPLY YES OR NO. Don't want Fraud Text? Reply STOP '' I then replied No because I live in XXXX OR. I then got a call from ( XXXX ) XXXX. The call was automated and said it was the Chase Fraud department and to press 1 if the charge was fraud. I pressed one and the phone rang. Then I talked to a real person. The person on the phone said they were in the fraud department and that the same person that tried to commit fraud on my account in Texas had tried to wire money to themselves through XXXX on my account. The person shared that they must have got into my account somehow. The person on the phone told me to change my username and password and that they were going to freeze my account so only my phone would have access to my online account for now. They then told me that I needed to do a XXXX reversal to reverse the money from the person who was trying to steal from me back to my account. The person on the phone walked me through how to go into XXXX and send the money back to myself. They had me send it to my name XXXX XXXX and my phone number XXXX when I went to transfer the money back to myself it said I was registered as XXXX XXXX ( I am not sure if the spelling of that is correct ). I asked the man on the phone and he said that was the person whos account I was reversing the transfer from. on that day he had me transfer a total of {$2000.00}, he said that was all that we could do for the day and that he would call me back the next day. I asked him when the money would be released back into my account and he said when they unfreeze it. I was called back ever day for 8 days to a total of {$16000.00} and was asked to do the same thing. On the last day I was told I was talking to the manager and that he was going to unfreeze my account. The man on the phone told me that the money would all be back into my account in 24 hours. When it was not I went into a Chase Bank and told them all of this. They did not seem to think the XXXX reversals where weird and called the fraud department. The banker shared that whoever I talked to on the phone did not finish submitting the claim so he did and gave me a claim number. Chase then gave me a credit of {$16000.00} while they investigated. Chase then removed that money from my account and said that my claim was not founded. I went to another Chase branch and told the same story but this time the banker realized that it was not Fraud but that the person helping me send the money back to myself was not from chase and that they were scamming me. It looked like they opened a bank account in my name at XXXX and somehow I sent the money there. I tried calling XXXX but they could not find an account in my name. Looking back at my texts I found this information : XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} using XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$1000.00} using XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$930.00} unsing XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : Your XXXX payment to XXXX XXXX using XXXX ( XXXX ) is being processed. XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : Your XXXX payment to XXXX XXXX XXXX XXXX ( XXXX ) is being processed. XX/XX/XXXX XXXX : Your XXXX payment to XXXX XXXX XXXX XXXX ( XXXX ) is being processed. XX/XX/XXXX XXXX : Your {$400.00} payment to XXXX using XXXX ( XXXX ) is being processed. XX/XX/XXXX XXXX : Your {$400.00} payment to XXXX XXXX using XXXX ( XXXX ) is being processed. XX/XX/XXXX XXXX : XXXX XXXX sent you {$2000.00} Using XXXX ( XXXX ) XX/XX/XXXX XXXX : Your {$160.00} payment to XXXX XXXX using XXXX XXXX XXXX ) is being processed. XX/XX/XXXX XXXX : Your {$20.00} payment to XXXX XXXX using XXXXXXXX XXXX XXXX XXXX is being processed. | ||||||
| 06/08/2021 | Yes |
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| Case # : XXXX To Whom It May Concern : We are writing regarding the outcome of Dispute Notification XXXX as we can provide evidence that XXXX XXXX XXXX of XXXX XXXX, XXXX provided false information. We are requesting that you reopen this case considering the new evidence below. 1 ) In her letter to you dated XX/XX/2021, XXXX XXXX XXXX of XXXX XXXX, XXXX states that the protests we referred to were of short duration. This is false. In addition, XXXX use of quotation marks around the word protests indicates that she is attempting to convey that the situation was not of a serious nature. This is also false. On XX/XX/2021 we arrived at the XXXX XXXX XXXX at XXXX. Our ferry was due to leave at XXXX. Shortly after we arrived, we were notified that protestors in kayaks were blocking ferries and not allowing any boats into the terminal in XXXX. We were told that the issue may be resolved so that we should continue to wait, which we did. XXXX residents began to arrive at the XXXX XXXX XXXX for the XXXX ferry but were locked out of the terminal and were told that they could not enter because the port in XXXX was blocked. The residents of XXXX were understandably upset and at around XXXX, two men scaled the fences, broke down the barriers and a physical and verbal altercation erupted between the security guards and the XXXX residents. We were told that ferry services were being fully suspended and we informed XXXX of such. Evidence of this can be found via the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In her letter to you dated XX/XX/2021, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX states that we were provided with optional ways to travel which we chose not to use. She also states that she denied our request for a refund as other forms of travel were available. This is false. We inquired with XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX, all of which were either unresponsive or not accepting any more reservations or providing further transportation due to the onslaught of other travelers and residents that were frantically trying to get to XXXX as a result of the ferry cancellation. We were more than willing to procure alternative means of transportation at additional cost, but they simply were not available. 3 ) In her letter to you dated XX/XX/2021, XXXX XXXX XXXX of XXXX XXXX, XXXX states that we contacted her to inform her that we were having travel difficulties due to the ferry service and that we wanted to cancel my reservation. At no time did we inform XXXX that we wanted to cancel the reservation. She uses the text messages between us as evidence, but the text messages clearly state that we were told the ferries were shut down. XXXX inability to provide accurate information renders her entire letter to you invalid. The summary of your investigation states that you have, reviewed the information available and found that you either received the services or the merchant made them available for your use. You state that we are not due a credit because the services you purchased were received or available to use. This is incorrect. We had every intention of using the merchants services and did everything within our power to procure alternative means of transportation to XXXX. So, while services were available, they were in no way accessible. Under Puerto Rico law, a party to a contract is not liable for unforeseen events or those events that can be foreseen but are inevitable. These circumstances were unforeseen and unavoidable. We regret that XXXX and her hotel suffered because of these events. We had every intention of using this merchants services. What was supposed to be a relaxing vacation was ruined by these events and has been further tainted by this dispute. We made every attempt humanly possible to comply with our obligations under the agreement. No services were rendered and said services were unattainable and inaccessible. We are requesting that this investigation be reopened as it is our strong belief that we are entitled to a refund in full given the compelling evidence above. Please contact us if we can provide any further information. | ||||||
| 02/22/2023 | Yes |
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| XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2. Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual? Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law. When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them. You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately. I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA. The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. | ||||||
| 06/29/2023 | Yes |
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| On XX/XX/2023 My husband and I received a notification from Chase Fraud Alert ( Chase Bank ) via text and email notifying him of a fraudulent charge on his debit card for {$690.00} for " XXXX XXXX. '' We talked to Chase Fraud XXXX ( XXXX ) XXXX on the phone to confirm that this was not our charge and we were able to deny this charge and Chase replaced the debit card. On XX/XX/2023 My husband received a phone call claiming to be from Chase Fraud and the number appeared on his phone as the Chase Fraud number : XXXX ( XXXX ) XXXX. The caller was a male and stated that fraudulent charges were being attempted from our accounts and that " wire reversal '' transfers needed to be made to stop the money from being stolen. The caller mentioned XXXX account numbers ( the last XXXX digits of XXXX of our checking accounts- including the account that had had the attempted fraud on XX/XX/XXXX ) and stated that funds had to be wired to a secured account Chase was setting up for us. My husband questioned the authenticity of the caller and the caller sent him confirmation text messages that were identical to the Chase Fraud text messages he received for the fraud on XX/XX/XXXX. The caller kept my husband on the phone for XXXX hours ( long periods on hold ) as he walked him through the process of creating " reverse wire transfers '' in which the recipient of these wires was named as " my husband 's name '' with our address and contact info in the amount of {$12000.00} and {$4000.00}. The caller kept my husband on the phone long enough for the wires to successfully go through. When my husband got off the phone he felt unsettled and called Chase Fraud back ( same phone number ) and reached the real Chase Fraud Dept who stated they had not called him. At this time our bank accounts were reduced to {$1200.00} with a total of {$16000.00} stolen. We immediately filed a Claim with Chase Bank on XX/XX/XXXX and Chase sent secure messages to the receiving banks ( XXXX XXXX for {$12000.00} and XXXX XXXX XXXX XXXX for {$4000.00} ) to stop the transfers. It was too late- the money was gone. Chase Bank said they would investigate and keep us updated. We filed a report with the Federal Trade Commission. On XX/XX/XXXX Chase Bank messaged us to confirm that both receiving banks confirmed the funds were unavailable. Chase stated they would continue to investigate the XXXX XXXX {$12000.00} transfer. XXXX stated that the XXXX XXXX XXXX XXXX stated that they would refund our {$4000.00} if Chase would issue us a " Holds Harmless Letter '' for the fraudulent transfer- Chase Wire Research ( confirmed by their reps XXXX XXXX XXXX XXXX XXXX stated that we had to go to a local Chase branch to be issued this letter by a banker. On XX/XX/XXXX we filed a police report with the XXXX Police Department ( XXXX, Ohio ). On XX/XX/XXXX we went to our local Chase Bank branch to speak with a banker in person. The banker confirmed that we had an active Claim for these fraudulent transfers and he stated that the Wire Research Team had to issue Holds Harmless letters. He called requesting the Holds Harmless Letter and was denied by Chase Wire Research. Chase Wire Research refused to issue this letter stating that this was " not a fraud but a scam '' and that we were responsible for the loss of this money. This was very different than what we were told by Chase Wire Research ( reps XXXX XXXX and XXXX ) on XX/XX/XXXX. We were advised to call the receiving banks ourselves to plead our case. This trip to the bank under false information regarding the Hold 's Harmless letter was a loss of work time. On XX/XX/XXXX we called XXXX XXXX and XXXX XXXX XXXX XXXX and were restricted from speaking to anyone about these transfers because we are not customers of their banks. On XX/XX/XXXX We were contacted by Chase Bank to confirm that there was nothing further they could do regarding the {$12000.00} transfer to XXXX XXXX and we were advised to contact the bank ourselves. We informed them we had already attempted to contact the other banks and were denied because we aren't their customers. Chase stated there was nothing further they could do. | ||||||
| 02/17/2021 | Yes |
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| We arrived at the Chase Business drive-thru at XXXX XXXX, I took a deposit slip from the drawer and started to count my money. I noticed a XXXX XXXX behind me. I went around the building to let the XXXX go first and pulled up again in line behind the XXXX XXXX. Using the calculator from my phone, i was adding the checks and money orders while my wife counted the cash. My wife was counting the cash on the car dash in clear view of the overhead cameras. Once she was done I counted the money myself and we had a total of {$4900.00} cash and {$1000.00} in checks and money orders. The denominations included in the deposit were 8 : $ XXXX, 4 : $ XXXX, 194 : $ XXXX, and 2 : $ XXXX which equaled a total of {$4900.00}. I noticed the XXXX XXXX was taking too long so I moved to lane 2. I am a regular customer and I do these sorts of deposits weekly. I immediately prepared the tube and sent up my deposit even before the teller acknowledged me. As I was sending my money to the teller through the vacuum tubes I noticed the people in the XXXX, just one lane over, were complaining about their deposit being short. We waited 15 minutes before I called them on the speaker asking about my deposit. The lady responded back that they were having problems with their system and that I was SHORT {$100.00} from what I had sent in. She didn't specify the manner in which she counted or how she verified my cash in the deposit. I told the teller that I counted the money twice with my wife before sending up the deposit and that she needed to check on it again. She stated again that they were having system issues and that they would work on it and get back to me. I drove around and went inside to see what was going on with my deposit since they were taking too long. When I got inside, I could still hear the people in the XXXX arguing about their deposit being short. I got near the teller line to let her know that I was the customer in lane 2 and to please check on my deposit. As I was in the branch I overheard the operations manager who was assisting the teller with our situation telling the customers in the XXXX that they had found their deposit was {$20.00} over. The operation manager saw that the teller was a bit overwhelmed with both customers and stepped in to assist her with my deposit. The operations manager then comes over to tell me that I was now SHORT {$220.00}. I immediately told her that it is not possible that my deposit was short that amount, both my wife and I checked on the cash in the deposit. I also mentioned that the teller had multiple customer at the same time one ( myself ) was short in my deposit and the other was complaining about being short as well. I requested to speak to the branch manager. The operations manager told me that she would go recheck as they were still having issues with their system, and to give them a few more minutes to sort everything out. The branch manager came over and again told me I was {$220.00} short. The managers only response or solution was to wait to the end of the day they would do an audit and let me know if they found overages in the tellers drawer. He called me at XXXX XXXX that evening and told me that they had not found any extra money in the tellers drawers. I asked him to explain to me why would the teller, whom was helping me, initially say I was {$100.00} short, at the same time have another customer who she was helping complain that their deposit was short, go back to recount my deposit only to come back a second time and now tell me I was now {$220.00} short. I was concerned as I could clearly see the teller was not able to manage two business customer deposits due to the inconsistencies of the resulted cash handling totals of both deposits. I shared with the manager that it didn't make sense why I would be short two distinct amounts, and one of those amounts being an increment of amount the teller gave back to the other customer stating they were over in their deposits while I was short. I shared that the entire situation was not handled professionally and I am now under the assumption that someone has intentionally stolen money from me. | ||||||
| 06/15/2022 | Yes |
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| On XX/XX/2022 Chase Bank, via their website, offered me {$200.00} to open a checking account ( attached ), if said account had at least one direct deposit made within the first 90 days of opening. I accepted their offer and filled out an on-line application via their website, where I provided my full, true, and legal name, address, date of birth, social security number, XXXX drivers license number, and an authorization for them to verify my identity with the Social Security Administration , and an authorization to allow them to review my consumer credit report. Chase Bank does a real-time, instant verification that an applicants name matches the social security number they give, and will not allow them to proceed further on their website to submit their application if it does not. After submitting my application, Chase Bank sent me a letter ( attached ) on XX/XX/2022, declining to open the checking account, stating they werent able to verify my identity, based upon my XXXX credit report. The letter offered no way to directly contact anyone at Chase, or alternative to verify my identity. Trying to call the customer service number listed on their website only results in them hanging up on you, if you dont have an account number with them, to enter. The question must be asked, why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when such agencies provide a wealth of information about consumers implied wealth, income and actual credit usage, but do NOT verify the identity of consumers they hold information on, and when the the sources of their information neither verify the identity of the consumers they report information on, or are not required to? The question must also be asked why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when they are collecting the applicants social security number and state issued identification numbers, both of which can be used in some states, and the social security number which can be used, regardless of state, to verify identity? More pressing still, if Chase is actually interested in simply the identity of an applicant, why are they choosing to use a consumer credit reporting agency, which which does not verify or report from sources that verify consumers identity, instead of using a consumer checking account reporting agency ( e.g. XXXX ) which DOES report information from sources that DO in-person identification checks on consumers? Also, if it is only identity verification that Chase Bank honoring its offer is contingent upon, and if Chase banks third parties are unable to do so, then why does Chase Bank not give the applicant any alternative to produce evidence of identity? But the MOST pressing question is, why did Chase Bank factually lie in stating it could not verify my identity, based upon my XXXX credit report ( attached ) when they did INDEED verify my identity, based upon said consumer credit report that included a full match on name, social security number, date of birth and address - AS WELL AS the definitively reliable Social Security Administration? In choosing to forgo sources of identity verification far more reliable than consumer credit reporting agencies while at the same time gaining vast amounts of personal, unrelated data on their checking account applicants, while at the same time in fact ignoring identity verification provided by government agencies which are the source of identity records, and in choosing to decline my application for the stated reason of not being able to verify my identity, even when identity verification was provided by both government sources and their chosen consumer credit reporting agency, Chase Bank has falsely advertised and extended an offer of {$200.00} in bad faith, that it has not honored, which its clear, it never intended to honor, unless undisclosed stipulations of a certain level of wealth, based on credit report information, is met. And under such misrepresentation, they have extracted from me, highly confidential personal data, of value for marketing purposes. | ||||||
| 12/01/2023 | Yes |
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| I opened a credit card with XXXX XXXX XXXX in XXXX of XXXX. I attempted to make a payment to my account electronically, and it was returned, even though there was far more money in the account than the payment I made. I checked the account numbers and tried again, and the payment did not go through. I changed the account it was drafting from and tried again and it did not go through. I called XXXX XXXX XXXX and was told that their payments are handled by a clearinghouse, and they couldn't help me. I had a deadline coming up, so I mailed them a check. I wrote the check on XX/XX/XXXX, and mailed it XX/XX/XXXX or XX/XX/XXXX. I mailed it to the address on my bank statement, XXXX XXXX XXXX, XXXX, TX, XXXX. The check was written out to XXXX XXXX XXXXXXXX, in the amount of {$550.00}. The check did not clear by the payment due date of XX/XX/XXXX, so I had to pull money out of the meager savings I have to attempt to move. I called them and was able to make an electronic transfer over the phone, in the amount of {$35.00}. The check cleared my bank on Monday XX/XX/XXXX. I eagerly checked my XXXX XXXX XXXX app, and saw that my balance had not gone down. I checked it again on Tuesday, and on Wednesday. By Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX I called XXXX XXXX XXXX to find out why it had not gone down. I was told it could take 7-10 days for the check to finish going through *their* system and be reflected in my balance. About 2 weeks later it still had not gone down and I checked my bank again. It had been endorsed by machine, by JPMORGANCHASE. I didn't realize that that was Chase Bank, I assumed it was XXXX XXXX XXXX XXXX clearinghouse. So I called XXXX XXXX XXXX to see what was up, only to be told that they handle transactions directly and they did not use a clearinghouse and she didn't even know what a clearinghouse was. So someone there is lying to me, for starters. She refused to help me in any way. I called my bank again now that I understood that the money had been stolen, and they repeated that there was nothing they could do about it. She emailed me a copy of the scans of my check, front and back, showing the endorsement. I finally understood the endorsement, and I called Chase Bank. I explained that they had cashed a large check made out to another banking institution, and that was a federal crime. I wanted to give them the strings of numbers printed on the back of my check so that they could do an internal audit, see who deposited it, and get me my money back. He claimed he could not help me because I did not have an account there. He refused to listen, even loudly speaking over me when I tried to read him the numbers, and also refused to tell me where I could send the image that my bank had provided me. Now that I also know that credit card companies have fraud departments, I notice that he also did not transfer me to their fraud department. I called XXXX XXXX XXXX AGAIN, and they opened an investigation. A few weeks later I got a letter saying I needed to fax them proof of the payment I claim I made that they didn't credit me with. I printed the scan of the check that my credit union had sent me and faxed it back to them. A few weeks after that ( XXXX by now! ), they sent me back a letter saying they didn't cash it, so they can't do anything to help me. They should be contacting Chase and getting it settled between them! Nobody is helping me, from any of the 3 banking institutions, and as a private citizen, I can not possibly go up against a bank, even if I could afford a lawyer, which I can not. I have filed a complaint with the Oregon DOJ, and am going to do so at the federal level as well. I am also going to contact the USPS investigator 's department, as it is almost certainly a postal worker who stole it, since my outgoing mailbox is locked and only USPS employees have keys, the apartment manager doesn't even have the key. I don't know what else to do. That money was from a XXXX XXXX XXXX to help get me a XXXX mobility aid. It was donated by my friends to help me with my XXXX. I feel so awful that THEIR money was stolen from me! PLEASE help me! | ||||||
| 07/04/2023 | Yes |
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| Summary : Unauthorized bank transfer initiated by unknown party from Savings to Checking of {$3000.00} followed by {$3200.00} of unauthorized transactions from checking initiated by unknown persons. Both savings and checking accounts are held at JP Morgan Chase. Overview by Date : Sat XXXX XX/XX/XXXX - I checked bank account on my mobile app. Noticed immediately that there was a problem in our Chase checking account. Clicked to view the transactions and there were 7 transactions that we did not authorize and did not belong to us. On XX/XX/XXXX, there was a telephone transfer from Savings Account to Checking Account {$3000.00}. We have never made a telephone transfer. We did not make this call. Someone posed as one of us to make this transfer and somehow got into our account. Chase Bank was negligent in making sure that it was the account holder calling them. Whatever controls are supposed to be in place to make sure this doesn't happen failed. We have never shared the details of our savings account with anyone except for tax refund direct deposits. The following is a list of the fraudulent transactions that took place after the transfer : XXXX XXXX XXXX XXXX XXXX XXXX IL {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX IL {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX IL {$670.00} XXXX XXXX # XXXX XXXX IL {$490.00} XXXX XXXX XXXX XXXXXXXX XXXX IL {$75.00} We have never shopped at any of these stores. I called the phone number on the back of my Chase Debit card on that same Saturday night to report the fraud transactions and to try to make sure that this doesnt continue. I spoke to many different departments, and they could not fully help me because it was after hours. They advised me to call back on Sunday morning during normal business hours. Sunday XXXX XX/XX/XXXX : I called Chase back again and spoke to the fraud detection department. They removed all digital wallets and anything that could be on the internet with our debit card number. They also flagged the fraud charges and submitted a claim. They also canceled the current debit card, and authorized a new one be shipped to me. Then, I spoke to the Identity Theft Department. They helped me change my online user id and password for the Chase bank accounts. We also set up security questions/ safe words that need to be answered/ said whenever we call in for anything at all for Chase to continue the conversation. Monday, XX/XX/XXXX : Called Chase bank to follow up- as I have not seen the funds returned to our account, and I have not heard anything from anyone at the bank. When I called, I was not asked the security questions or the safe word that we had set up. I mentioned this to the representative, and they apologized and then asked me for the information. I questioned the representative about when I would see the funds returned to my account. They said that there is an investigation being done and Chase has until XX/XX/XXXX to make a determination, but it could happen before that. Tuesday, XX/XX/XXXX : Funds for all the fraud charges were returned to our account. Total returned was {$3200.00} Friday, XX/XX/XXXX : I logged into our bank account to view our transactions, and immediately see that there is a big problem. All of the fraud transactions that had been reversed on our account are back again- and the money was removed from our account. We were not contacted by telephone or by mail about this- the money- totaling to {$3200.00} was just removed from our account. The new transactions read as follows. Reversal : XXXX XXXX XXXX XXXX XXXX ClaimID XXXX - {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$230.00} Reversal XXXX # XXXX XXXX IL XXXX XXXX - {$490.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$640.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$900.00} Reversal XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX - {$900.00} We called Chase back, and they said their decision was final. We believe that Chase Bank 's poor controls were the reason the fraudsters were able to get away with this crime and that we should not be held accountable for this. | ||||||
| 07/20/2017 | Yes |
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| My mother is almost XXXX years old and in a XXXX XXXX. She is XXXX and due to XXXX XXXX of her XXXX is in a XXXX. A former caregiver is being investigated for physical abuse and neglect as well as theft of her car, money and personal property. She also had possession of my mother 's car. We discovered approximately {$42000.00} in debt had been taken out in my mother 's name. I am her only living daughter and have durable power of attorney. I first began trying to resolve the claim that Chase Credit Department had on XX/XX/XXXX. I went in person with my mother to a Chase bank branch. The branch manager requested Chase bank statements and credit card statements from their corporate office for me to review. I received the bank statements. I never received the credit card statements. It was the opinion of the Adult Protective Services Investigator, the Chase bank manager and myself that the Chase credit card was fraudulently obtained and that the charges were not my mother 's. My mother received a credit card statement on XX/XX/XXXX showing current charges and a past balance. I contacted Chase credit card division and was told I needed to again send them a copy of the Durable Power of Attorney. ( I had previously given one to the bank ) On XX/XX/XXXX, I was contacted by ( NAME OMITTED ) at Chase who told me that this would all be considered identity theft. There would be no further action taken against my mother. My mother received statements showing write-offs. I assumed that everything had been written off. I never received a final accounting or any detail on the charges other than the list that had been written off. On XX/XX/XXXX a year later, I received a letter from ( NAME OMITTED ), a debt collection company who said they were attempting to collect the debt. I responded with the details of my previous conversations with Chase and copies of the previous correspondence regarding the write-offs. My mother received a letter from Chase dated XX/XX/XXXXsaying that I was not authorized to talk on her behalf and that she would have to communicate directly with them. This is not possible and I have a valid Durable Power of Attorney. I again sent the Power of Attorney and again requested detailed information on what comprised the debt. I received a letter dated XX/XX/XXXX that stated that NAME OMITTED at Chase needed to talk to my mother regarding the fraud claim. I left 6 messages for her and she did not call me back. On XX/XX/XXXX, I called the general Chase credit card line and at XXXX XXXX PDT I spoke to NAME OMITTE. She is in Collections. She said there was a hold on the account and so there was no way to give me the detail for the charge. She did confirm that I was shown as POA for my mother. She transferred me to NAME OMITTED in Fraud. He said that the charges had not been removed as I was told in XXXX and instead the debt was sold XX/XX/XXXX. He confirmed that I was listed as POA but he could not give me any detail and that I had to talk to the person who I had left messages for ( above ). He also said that the notes showed that the person said she had called me back multiple times and I had not returned the call. This is not true. The number I gave her was my cell phone number and there are no records of messages left for me from her or from Chase. He said she probably called a wrong number. He said a letter had been sent to my mother saying the investigation was now closed. They would get a judgment against my mother and then a lien and take her money. He said they would likely use the wrong contact information to notify us of the judgment and lien so we would n't know about it until the money was taken out of her accounts. Additionally, Chase has now opened another new credit card in my mother 's name. She not authorized this card. I have not authorized this card. My mother does not have this or any other credit card in her possession. She is very frail and in a XXXX XXXX. Chase has not and will not provide any more information as to the address used for the new card, what charges have been made or the wrong phone number they have on file that they are using for my mother. | ||||||
| 07/28/2020 | Yes |
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| Chase Bank, routing number:XXXX Victim Name : XXXX XXXX account # XXXX XX/XX/XXXX Chase Bank , after failing the bank stress test, froze the assets in my checking account roughly {$11000.00}. With no notice or input from me. The letter they sent to inform me didn't arrive until XX/XX/XXXX. By that time, I had already been contacted by people who said my funds weren't good. XX/XX/XXXX I found out about the account being frozen, I contacted the bank on line, they said that it would be at least a week before anyone looked at the problem, or would contact me. [ they just took all of my money and locked my financial transactions, like bill paying, direct deposit etc ... and they're too busy to remedy this issue? ] I also called the 1 ( 800 ) number and the hold times are over an hour. I waited 50 minutes without speaking to anyone. I called my local branch and the Branch Manager confirmed the issue, but said that he had no one to contact directly. He also has to wait over an hour on hold to speak with someone. ( Wait, the large XXXX XXXX has billions of dollars of customer deposits and no one can contact them directly? Not even the Branch Manager ). XX/XX/XXXX I spent 1 1/2 hours on hold to speak to someone on the 1 ( 800 ) number. I spoke to someone there that said it was due to " Fraud Prevention '' because I received my EIDL loan for {$14000.00}. FYI : I have been a customer there, with that same account number for over 15 years! They know me! The EIDL loan was directly from SBA and not written or funded by Chase Bank, it came from the treasury. It's not their problem, nor concern. The disbursements from the account were all to creditors that I have on line payments arranged for years at the same bank ... nothing different going on. Except, that I was spending the money to pay down account balances XXXX, XXXX XXXX, and Chase credit cards. I am a gig worker, and I sent them copies of the loan documents, my SBA account information, Secretary of State Business License that I have had since XXXX, and all email coorespondence with the SBA regarding the loan. XX/XX/XXXX I called and waited again, with no luck. I had also emailed all of the documents via the web portal. The 800 number had me go to the bank branch to have the Branch Manager upload them directly XX/XX/XXXX I also emailed again, and I called and waited on hold, with no luck. I contacted my branch manager who acknowledged that THEY KNEW IT WASN'T FRAUD, BUT THEY WERE NOT RELEASING THE FUNDS. Their complaint was that the business license expired in XX/XX/XXXX. THAT ISN'T IN THE BANK 'S PURVIEW. I am out of work, and the Government shut down has allowed a grace period of 90 days after they reopen. They have not reopened. XX/XX/XXXX I did go to the Secretary of State 's site and updated my license anyway. I uploaded them and had the branch manager upload them directly .... STILL NOTHING. I emailed, and nothing, I called the branch manager, and nothing. I also gave them a formal demand letter. Directly served through the branch manager and uploaded through their web portal NOTHING! THAT WAS 12 DAYS AGO! XX/XX/XXXX My credit rating is taking a hit, I don't have any money, I can't pay any bills, my direct deposit would just hand them more money to hold as " FRAUD PREVENTION ''. In XXXX XXXX did this same thing and held XXXX of my money for 6 months. To protect them from me going out of business '' Meanwhile they bought up competitors and ancillary businesses during the recession, with my money! I am not sitting this fight out. I am going after Chase Bank and will pursue them until this is remedied. This has cost me time, money, reputation, health and so much more ... Chase did it! But they act like they are to busy to address it. That is NOT the case. They don't WANT to address it ; because they will have to let me pull my funds out of their bank. There is a class action lawsuit coming over this and all the other XXXX workers out there going through the same. Chase is also excluding us from being able to submit for PPP loans, unless we have one of their premium accounts before the crisis. THIS IS DISCRIMINATION!! | ||||||
| 07/29/2019 | Yes |
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| I have tried calling the fraud investigator at XXXX extension XXXX on XX/XX/2019. I called also every day since then and this employees mailbox is full. I can not leave a message and I am prompted to call customer service. When I called customer service I was on hold for 30 minutes to be transferred to the fraud department. The employee in the fraud department informed me that chase would not do anything to help me get my money back. He informed me to contact customer service for XXXX XXXX to get my money back. He is so misinformed that when I have tried contact XXXX XXXX and they do not respond. For instance, when I email the financial department I do not get a response. They also have a D-rating with the XXXX XXXX XXXX and are not responding to complaints. XXXX : XXXX What bothers me is the arrogance that this employee in the fraud department was talking. He was not listening to me and at the end of our conversation instead of continuing to listen to me he transferred me to another department while I was still talking to him. This is so unprofessional. He also made more mistakes the merchandise was returned to XXXX XXXX. The merchandise was returned to XXXX XXXX and the tracking number is XXXX. XXXX XXXX informed me that I was going to be refunded on XXXX for this charge and they have not done this. I was promised a refund and they then took it back Since chase is a large bank I would hope that they would be able to hire people that are competent and can do their job. This clearly has not been the case. I am not okay with this because I have returned the merchandise to XXXX XXXX and they are charging me, Chase has done nothing to help me with this problem. Instead they have been more receptive to XXXX XXXX. To date I still have not heard back from chase regarding this matter. I have been only informed to call the fraud department. I just want to say that I am your customer XXXX XXXX is not. I think my bank would have the decency to call me and I would be able to reach the fraud investigator conducting the investigation. I will not be renewing this card and paying the annual fee. I am paying my annual fees and I am using your card with merchants which are also earning you money. Chase should be working for me to get my money bank not only responding to XXXX XXXX. This investigation and professionalism by Chase has been so egregious. To have such arrogant and incompetent employees has been frustrating and confusing. I think its important for a customer to have access to the person conducting the investigation. I would hope they do not put others customer through this and are more professional. What also has rubbed me the wrong was is why chase is not asking me to fill out an affidavit or provide them with a police report. If they are not sure if the charge is not valid they should have asked for this information. Lying on a police report is a class A misdemeanor. You should have asked for a police report before making a decision. The importance of doing that is discussed here https : XXXX What also worries me is I did not physically make that purchase and it was just charged to my credit card. I don't know how my bank can be okay with a charge being applied to my credit card when I did not make a purchase for that charge. So Chase is expecting me to pay {$120.00} dollars for no merchandise which is unacceptable. This is why I am mad they are forcing me to pay for an item that I never bought and there is an unauthorized charge. The last thing is I do not live at XXXX XXXX XXXX anymore. I have called you guys to inform you of this and updated my credit card address. This order was recharged to an address of XXXX XXXX XXXX not XXXX XXXX XXXX. I live on XXXX XXXX XXXX and the person in the fraud department was saying that this was the address that was charged to XXXX XXXX XXXX which is a previous address. When I opened the account the XXXX XXXX XXXX address is there because that is what the business address is registered to. If this is also believed not to be a fraud case then chase should be making an effort to dispute this charge. Please refund me my money | ||||||
| 11/12/2021 | Yes |
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| I want to file a formal complaint against Chase Bank, and specifically one of their loan processors, XXXX XXXX ( XXXX ID XXXX ), for their laughably negligent business practices when closing on a traditional home mortgage. Throughout the process, Chase does not call you, email you, or use any means of communication to inform you when documents need to be signed in order to keep the mortgage process moving. They advise you to " check their portal every few days '' to see if there are any new documents to review or sign. As a multibillion dollar corporation with seemingly infinite assets at their disposal, this process is antiquated, arcane, and quite frankly, embarrassing. XXXX XXXX XXXX has more sophisticated technology when ordering a pizza, and Chase Bank doesn't even have the technological infrastructure to email their customers who are committing to spend a fortune with them for 30 years. This process is broken, to put it mildly. Not only were documents posted late, which slowed down the mortgage process, but their mortgage bankers and loan processors did not even bother to review basic information in the documents they wanted me to sign. To name a few issues on a plethora of documents, my current income was inaccurate, my HOA fees were higher than what I'm obligated to pay, and there would even be simple spelling mistakes and grammatical errors. The laziness and recklessness of Chase 's mortgage bankers and loan processors is truly concerning. Throughout the mortgage process, I would need to be the one to remind my loan processor of things that I needed from him, including the most basic request of all, committing to my closing date of XX/XX/2021. In spite of this broken process, I was on top of them the entire time and was near the point of closing. I was assured on the Friday before closing that nothing else was needed from me at the moment, and that all that was left to do was wait for instructions on wiring funds for closing. For context, at this point, I had already hired movers, taken off from work, started my home owner 's insurance policy, and began other financial commitments with the intention that I would be closing on the day that I anticipated. On the evening of XX/XX/XXXX, at XXXX XXXX, my loan processor, XXXX XXXX ( XXXX ID XXXX ) decided to reach out to me for the first time that week and told me that there was one form that I did not " acknowledge '' on their portal, and as a result, my closing date would be pushed. I instructed him that nobody informed me of the form to sign, to which he responded that I could just close on the following Monday instead. As I had mentioned previously, I had already began financial commitments with the intention that I would be moving on XX/XX/XXXX, and he seemed to not care that his negligible business practices were going to cause me financial hardship. I demanded that I speak with his manager immediately and that this needed to be resolved that night. He told me that since it was after XXXX that all managers had gone home, and that since tomorrow was XXXX XXXX XXXX, nobody would be able to help me. After waiting on the phone for 45 minutes, I spoke to a manager in Arizona, who was the manager for my mortgage banker who is also on my account. This manager assured me that I would be contacted the next morning to work through this issue, and at the bare minimum, ensured my closing would be complete by the following Monday, XX/XX/XXXX. I still found this unacceptable, but at the very least, it was better than the alternative of the silence to which I was accustomed by Chase Bank. I did not receive a call from Chase Bank as I was assured, and now it appears that my closing will be pushed once again. I am now going to need to undergo further financial hardship to cancel movers, change the start date of my homeowner 's insurance policy, and use another day off from work to accommodate for Chase Bank 's incompetency. I hope that these processes are fixed in the future, so that no first time homebuyer like me needs to go through the herculean task of dealing with Chase Bank 's reprehensible business practices. | ||||||
| 10/11/2023 | Yes |
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| On XX/XX/2023 I noticed a charge on my Chase checking account in the amount of {$1000.00} from a company I didn't recognize described as " XXXX XXXX XXXX XXXX XXXX XXXX'. I googled the description and found the company 's website. Unfortunately, they do not provide a company contact number so all communication is handled via email. I explained the charge and provided my information but the company initially shared that the charge was valid and would investigate further. At this point the charge was still pending so I reached out to Chase and filled a complaint. The Chase representative said they'd temporarily credit the account until the investigation was complete. However, Chase immediately closed the investigation and stated no action would be taken ( I'll provide a picture of all documents and letters ). After the investigation was closed I made another attempt to resolve this matter with the merchant but once again the simply stated that the charges were valid and refused to assist me any further. On XX/XX/2023 I called Chase back and was told that there were additional charges from the same company which established a history with merchant. I explained that I wasn't aware of additional charges as I don't use this account often. I then opened a claim disputing all transactions as nothing was approved by me. The representative informed me that Chase bank would only provide a temporary credit for the transactions that occurred within the last 60 days ; transaction exceeding that timeframe would have to be handled directly throught the merchant. I acknowledged and the Chase representative assured me that the charges would be thoroughly investigated since all transactions from the merchant were disputed so the is no longer a history of approved transactions. On XX/XX/2023, the next day, I reciceived two notices from Chase, the first was reiterating that the provisional credit would only include transactions that occurred within 60 days of the first charge from the merchant. The second notice infor.ed me that the investigation was closed and no additional actions would be taken. I attempted to contact Chase and was told that there was nothing more that could be done. At this point I immediately reported the issue to CFPB as Chase bank has a long history of discriminating against my account. They refuse to cash my checks and if I deposit the check, they hold it for the maximum amount of time leaving me without those funds for ten to fourteen days, even I'd it's a check they issued. The most recent check was held and then they deducted the amount of the check leaving me with a negative balance, when I called to inquire I was provided with conflicting explanations from various representatives. I deposited overv {$1000.00} in cash into thier atm and in the counting process, the atm froze and provided an error message stating to check my account and contact Chase if the funds were not credited. I stayed at the atm, called Chase because those funds were not in my account. I followed all instructions, the rep opened the claim, then Chase closed the claim and stated no actions would be taken. I made multiple calls and was basically accussed of being dishonest about the situation, despite them having record of my card being used at the atm on the day and time reported plus camera footage. I had to file complaint through CFPB before the bank took actions to resolve the problem. I've already filed a complaint for this incident and the bank had contacted me claiming that they are continuing the investigation but they have no provided a provisional credit to my account such as thier policy states they do until the investigation is completed. I have researched Chase Banks actions in similar situations and in most cases, they provide the credit within two to twenty-four hours. I have been dealing with this for over a week and they have made no effort to alleviate this matter, further proving that my account is not provided with the same courtesies and respect as all accounts without any reason or explanation why. I have multiple chages that were bounced back because of this issue. | ||||||
| 08/30/2022 | Yes |
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| on XXXX we purchased tickets for show at the XXXX XXXX through XXXX. There was a problem with purchasing our tickets for XX/XX/XXXX and we received an error message after the purchase. We didn't think it went through but it turned out it did but for XXXX. We immediately contacted XXXX to explain and switch the date to XX/XX/XXXX. We were on the phone with XXXX for 1 hour constantly being put on hold while she switched the dates. She came back and said it was done, but the tickets were not showing up in the app. She told us they would show up and to wait. They did finally show up but they were for the same date, not the change date. The rep told us to hold while she went back to see what happened and credit us for the ticket change fee. We thought it was completed but the tickets showed up with new seats on the same date. The rep didn't know what happened and why the date wasn't switched. She was also going back to credit us the {$330.00} ticket change fee because of the problems. She put us on hold and disconnected us. When we tried to call back XXXX was closed. We were so frustrated we decided to just call Chase and stop the charge. We contacted Chase Sapphire that night, but they were closed so we called them the next day XXXX and we explained what happened and the rep. told us to wait for the charge to hit the card. So we called back every day until the charge hit the card. Each time we were told not be concerned they would place the charge into dispute and they would contact the merchant. If Chase did not hear back within 17 days we would automatically be credited. So at that point we were not worried We called several times ( all recorded conversations after that and each time was told was told Chase was still working with the Merchant. On XX/XX/XXXX we called again to find out why we hadn't received the credit and was now told it would take 30 days and to call back after XXXX. However, we got a call today XX/XX/XXXX and when we called back, we spoke to XXXX a customer service representative who now told us that we had to complete the dispute letter that was sent. It told her we didn't receive a dispute letter nor were we ever told we had to do that but I had all of the documentation and would complete it. However I was concerned with all of the misinformation that I was being given and requested a supervisor. After waiting on hold for XXXX hour XXXX, a supervisor in the XXXX got on. She reviewed all of the notes in our file and apologized but said XXXX does not give refunds. I am infuriated because I would have been calling XXXX every day instead of Chase.if I wasnt given all of this misinformation. She said all she could do for us was to start an internal investigation which would take another 3-5 days but there was nothing they could do because that is the terms of the vendor. We always used sapphire because they have always worked to address issues as a premiere card holder. We are also private clients of chase and can not believe all of the misinformation being provided by Chase Sapphire Customer Service. We have spent an inordinate amount of time trying to resolve this issue which could have been resolved with XXXX. It is now a month later and we have no recourse as I don't believe there are available tickets for the date we will be at the XXXX which is XX/XX/XXXX. We do many online transactions and this has been a nightmare between both Chase & XXXX I expect Chase to resolve this matter and refund us the {$1000.00} that has been in dispute. There has been a good faith effort on our part to resolve this from day one but we were never given the correct information which has prolonged this issue. We were given two credits XXXX for the ticket change refund that we attempted to do and {$130.00} which we are not sure what that represents. The {$1000.00} remains on hold. However, based on what this supervisor told us we may have to pay this charge. The tickets are still screwed up in the app and we are at a loss as to what to do. We feel it Chase had provided the correct information when we called we could have fixed this. It is now almost 30 days later.. | ||||||
| 02/26/2021 | Yes |
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| On XX/XX/2021 I received a call from a number claiming to be a Chase fraud team representative and that there was an unauthorized transaction from my checking account. Since I had recently dealt with three of my credit cards one being through Chase - Amazon XXXX credit card, and the other two from XXXX and XXXX XXXX this just seemed like another instance from the same person or people from before since all of the fraudulent charges were coming from Amazon. As the call went on, the person I was speaking to asked for my full debit card number so they could send me a code to access my account. What I didnt realize at the time was that this was a phone scam and they were gaining access to my checking account to transfer money out and steal it. The number they called in on was a legitimate Chase number, but they were not employees of Chase and had spoofed the number. They also spoofed the number they sent the two factor authentication codes on to make it seem like it was coming from Chase. It wasnt until I was put on a hold while the individual I was speaking to spoke to their manager that I realized what had happened and I was locked out of my Chase online banking account. I quickly reset my password and username and got access to my account only to find that they had already transferred out {$2000.00} from my checking account. They used the XXXX with XXXX feature and added the scammers information an email address of XXXX and had set the name of the recipient to Chase to look legitimate. I immediately called Chase customer claims to initiate a fraud dispute claim and proceeded to close out my current checking and savings accounts with them as they had been compromised. I had to initiate the claim over the phone since the branch did not offer this option. However, the branch did close out my accounts and replaced my debit card. I also filed a police report with the XXXX Police Department, and filed an Identity Theft report as I was instructed to do by their Fraud Prevention team. Additionally, I placed a fraud alert on all of my credit reports due to severity and pattern of recent unauthorized activity. I only received an initial claim letter by email from Chase about this claim. I had to call them for almost 2 weeks just to get any type of status update on the claim itself, if they needed additional info from me, when I was going to receive my stolen money back, etc. I was finally awarded a provisional credit on XX/XX/2021 for my stolen money as they were investigating my claim. They told me this can take up to a full month or more to complete and I would hear from them if they needed any additional documentation. I didnt hear anything else from Chase about this claim until XX/XX/2021 where they again only sent a PDF letter via email with an update. The update was that they for some reason concluded that this was not fraudulent and that they are planning to reverse the credit they issued for my stolen money. When I called and spoke to a claims representative, they told me it was denied because the device history did not show unauthorized activity. This makes absolutely ZERO sense because upon viewing my device access history you can blatantly see a completely different, unknown browser, with an IP address location outside of the state. I do not use a VPN, so this is the only device on the account that is not normal or recognized. I have included a screenshot of my device history that shows this unauthorized login on the day that my money was stolen. I am requesting a copy of my police report and sending over my identity theft report to Chase as I have to appeal this by XX/XX/2021 or the claim will be denied and my money reversed. The fact that I have to appeal something that is so clearly fraudulent is beyond me. I was hardly informed throughout this entire process and even with proof of unauthorized/fraudulent activity, they still insist that this is something I authorized. I was clearly a victim of a phone scam, with THEIR number being spoofed and unlawfully used no less, and this is how they handle the situation. I will not stopped until this is made right. | ||||||
| 06/12/2023 | Yes |
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| Here is the background : My father generously gave me a XXXX check for XXXX, which I electronically deposited into my Chase checking account on XX/XX/XXXX. I then slipped the check into my checkbook until it was cleared ( that used to be my practice ; now it is no longer ). On XX/XX/XXXX, I was the victim of a smash and grab at XXXX XXXX XXXX on XXXX XXXX in XXXX. My purse and all of its contents were stolen ( including my checkbook which still contained the cleared check from my dad because I had forgotten to destroy it ). I had to cancel all of my credit cards and void my checks. I also placed a freeze on my credit and a fraud alert on my identity. Then in XXXX, my father called me to let me know that the check he had given me for XXXX had been deposited again. Somehow, someone took the check that had already been processed into my checking account, with my name and account number clearly endorsed on the back of the check, into an entirely different account and name within the Chase institution. My father managed to claim fraud and get the XXXX refunded to him, thankfully. But then on XX/XX/XXXX, Chase took XXXX from MY account, stating an item had been processed more than once. I filed a fraud claim on XX/XX/XXXX, and have spent countless hours on the phone with their claims department trying to get my money back. On XX/XX/XXXX, I learned the investigation revealed the check was deposited into an account ending in XXXX ( not my account ) and with a different name from mine ( which is to whom the check is written on the front and endorsed on the back ). They informed me that they were closing the case. On XX/XX/XXXX, I tried to reopen the fraud case and learned that Chase will not move further with it and will not give me my money back. They claim the physical check takes precedent over the electronic deposit. This means they are accepting the XX/XX/XXXX deposit as the valid one rather than my electronic deposit on XX/XX/XXXX. This doesnt even make sense, because the account the check was deposited into ( ending with XXXX ) is not the account number written on the back ( my account ), nor is it the same name it was made payable to ( mine ). How can that check even have been processed with those discrepancies? Chase can clearly see where the check was deposited and who accepted it. Whoever processed this check committed a felony, and it is obvious that there is an internal racket going on within Chase Bank. Whats even more disturbing is that Chase Bank appears to be allowing this sort of activity, because they would rather close the file and sweep it under the rug instead of going after those responsible for the XXXX activity. And I, as a long-standing customer, am still a victim of fraud and out XXXX} due to Chase Bank . When I put a stop payment on all of my own checks, it didnt even occur to me to consider the check from my father that had been slipped into my checking account. I understand that I made a grave mistake with that, and I have learned my lesson. But my issue with Chase Bank, and the scary truth, is that the check was allowed to be deposited into an account other than to whom it was written AND to an account number other than what it was endorsed. Whats the point of writing names and account numbers on checks if it doesnt have any correlation to where theyre actually deposited? This is why I believe Chase made an error. Clearly someone within their institution is allowing this kind of activity to take place ( perhaps they are even a key player in the smash and grab ring we have in the XXXX XXXX ). And Chase is allowing it to happen because they are not doing anything to stop it. Instead, they are taking the money from their customer. I have taken my money out of Chase and have closed my accounts with their institution. My banker, who also spent hours trying to assist me with this matter, understood and stated he wouldve done the same thing. I am beyond disappointed. And I am still out the XXXX that Chase stole from me. I would appreciate anything you can do to help me. Clearly an investigation into the practice at Chase Bank is warranted. | ||||||
| 09/21/2018 | Yes |
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| On XX/XX/XXXX, I was applied to both Cha se Sapphire Reserve and was approved. Since the lending APR and credit limits can vary between products, and to help organize my expenses, I applied for the Chase Sapphire Preferred and was also approved. Two different credit card products, both with ***approved** credit lines*. During the shipping itself of the cards, there were two fraudulent charges made on one of the cards. Somewhere, there must have been a database leak or the credit card number was recycled by the issuer and my account was compromised. I had to call Chase to report the fraud, and then wait for the closed account to ship a new card. This is one third of the complaint - fraudulent charges before the card even arrives in the mail. The next issue is that, after calling in the fraud and going on travel, I then received an account cancellation for the same card during my travel. Not only is my card unsecure and exposed through Chase 's systems before I have access to the card number ( maybe an issue with the shipper or electronic security? ), but now it gets closed as well. The account closure without recourse or warning is the second-third of the complaint. After returning from the trip, I called in to figure out the issue and work together on a solution to keep the accounts open and in good standing with the issuer. The first call I was put on hold, waited a few minutes, then was disconnected by chase before even speaking with somebody. Then, I called again. Again, I was put on hold after verifying my information before then being disconnected by Chase before being connected to a customer support agent. This is the third part of the issue, but the story continues ... Finally, on the third attempt, I was transferred around to three different people over the course of 45 minutes. Each time I explained that I was approved for both, already experienced fraudulent charges on the card before it even arrived in the mail, and that I would like to know what caused the account closure & a way to keep it open/reconcile. Instead, each told me that it was 'impossible ' to re-open accounts, and then admitted themselves that they don't have the authority to re-open them. I even asked one, quote : " So you're saying the CEO himself couldn't authorize this account '' and was told " no ''. The result of this exchange felt incredibly dishonest and unfair to me as a consumer. As for my attempts to reconcile, their reasoning was that their policy is against two products in the same credit line. However, I was already approved for both. It was through *their* system, using the same information twice. There is no fraudulent information in the applications. The only risk I can think of is the credit line exposures of two credit cards, so I offered a solution to lower the credit lines on both cards to match the original credit line of one of them ( since the credit lines are XXXX and XXXX, an example refactoring would be XXXX and XXXX respectively ). This would maintain the risk of a single approval, and keep both accounts open while I look for an alternative product to match their policy. Instead, I was lied to about authorization ( not even the CEO can approve an exception to the policy, despite their letter saying lending services could re-evaluate the decision ), and was told that it was 'impossible ' to have both accounts, even though they are different products and that I had both accounts at the same time for several weeks - very much possible indeed. The reason for the closure was not due to any fraudulent information, and I offered to lower credit limits to mitigate any unintended exposure / risk to Chase. It is not fair to consumers that lenders approve their applications for different products, then close the accounts after a few weeks due to policy decisions. They did not work with me in any measure on reconciling this issue, so I am submitting a complaint to the CFPB to have this handled fairly. I am not responsible for mistakes in the software of Chase, and have tried to handle this to keep the accounts open & in good standing with reduced risk to Chase. | ||||||
| 06/04/2019 | Yes |
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| I purchased a flight to XXXX on XX/XX/2019 using my Chase ultimate rewards points. The trip was supposed to be XX/XX/2019 - XX/XX/2019 for XXXX flight XXXX XXXX to XXXX at XXXX and return XXXX to XXXX XXXX flight XXXX at XXXX. A few days before my flight, realizing I might not be able to make the early flight time, I called Chase Ultimate Rewards to see how much it would cost to change my flight to the same day, but at a later time. The representative that I spoke with said it would be {$120.00}. I thought that price was reasonable so I went ahead with the change. My flight was then supposed to be changed to XXXX on XX/XX/2019 at XXXX. The next day I received an email from Chase " XXXX '' " Dear Mr. XXXX '' We are contacting you in regard to your recent change made with Chase Travel. Due to difficulties with your credit card, we can not reissue your ticket ( s ). Consequently, no money has been deducted from your account. This means that your original flight reservation has been cancelled and at this time your new reservation has not been confirmed. We apologize for the inconvenience this has caused. In order to confirm your reservation, you will need to call us as soon as possible. Please contact us at [ Phone Number ]. We are available 24 hours a day, 7 days a week. Please do not reply to this e-mail as this mailbox is not monitored. Sincerely, Chase Travel Air Support Desk '' I called into Chase Ultimate Rewards because Chase canceled my original flight and didn't book my new flight. After speaking to the supervisor at Ultimate Rewards, She was able to get me onto the same exact flight on XXXX at XXXX on XX/XX/XXXX, however the return flight was sold out and I needed to return the next day on Monday XX/XX/XXXX instead of my original return flight on XX/XX/XXXX. Due to the error by Chase Ultimate Rewards, the supervisor I spoke with said that she is going to charge me the original change fee of {$120.00} and that Chase would cover the difference. However after my trip ended, I noticed a charge from XXXX XXXX for {$720.00} for XX/XX/XXXX that was posted on XX/XX/XXXX. I've since called Chase Ultimate Rewards multiple times and spoke to multiple supervisors to rectify this issue and have two open case numbers in regards to it. Chase said they would listen to the recordings and contact me back with the results of their investigation. I have spoken with 6 Supervisors at Chase since then and nothing was resolved. I then received an email from Chase yesterday and it said " Thank you for giving Chase Travel the opportunity to address this matter. We apologize for any inconvenience you've experienced. We have completed our investigation and have made the following determination. During your recent call with us, it was confirmed that your original flights booked on XX/XX/2019 were not available in the class of service you originally purchased. One of our supervisors provided you with this information and stated that there would be no extra charge other than the {$120.00} for the exchange. While we are unable to provide the requested compensation, please be assured we value you as a customer and appreciate your business. We regret we are unable to provide you with a more favorable response this time. '' After receiving this email, I have decided to contact the Consumer Financial Protection Bureau. From booking a flight with rewards points that is more or less free to getting charged {$720.00} for something that should have been {$120.00} is burdensome. And having to deal with Chase for months to resolve this issue for it to finally not get resolved in any sort of way was disappointing and infuriating. Chase never even gave me the {$720.00} figure, because they told me they would cover the difference and I would only pay the original price quoted. If they would have told me it would cost {$720.00}, I would have told them to forget it. This flight was in essence free with points, then {$120.00} to change, and now I'm getting charged {$720.00} and Chase refuse to refund me back the difference. Thank you for your attention to this matter. | ||||||
| 01/14/2022 | Yes |
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| On XX/XX/2022, my sister XXXX XXXX, who has been impacted by the coronavirus and has recently had her own checking account closed at another bank, asked me to deposit a {$6300.00} check she received, into my Chase account. I have a deposited third-party checks made out to her in the past without any issues and agreed. The check was deposited via the mobile app on XX/XX/XXXX. I received a secure message from Chase that the check was accepted and that there would be a 10-day hold. I do not have a problem with the 10-day hold in my checking account as I understand this is a third party check and was for a rather large amount. Later that afternoon I received my paycheck from XXXX XXXX. This paycheck was issued from the XXXX XXXX XXXX / tax controller from XXXX XXXX I am newly employed with XXXX XXXX and direct deposit has not been set up yet. Therefore, for the first two to three paychecks I receive paper checks. My checking account was overdrawn by a couple XXXX dollars, and because of the hold that was placed on the XXXX check, I decided to deposit my {$1700.00} paycheck into my savings account. My plan was to transfer enough money to cover my overdraft and then withdraw a small amount of money to pay bills. Immediately after submitting the check through the ATM in XXXX California, on XX/XX/XXXX, the receipt stated that there would be another hold placed on my paycheck.. not XXXX day, not 2 days, but another 10-day hold. My paycheck from XXXX XXXX will not be available until XX/XX/XXXX. I went to the bank branch in XXXX California on XX/XX/2022 in an attempt to remove the hold.The teller who assisted me stated that because of the {$6300.00} check deposited into my checking account and the hold that accompanied it, a hold was also placed on my savings account and my paycheck and my account was restricted. She stayed only the fraud department could determine whether or not the check could be released. She then advised me to bring my sister in with her ID, so that the check could be verified, and then the fraud department would decide if the hold on my paycheck could be released. She also told me if the fraud department determined the restriction and the hold could not be lifted, I would not ever receive the funds from my paycheck. She stated Chase would keep these funds indefinitely Frustrated, but willing to comply with the bank 's request, I returned later that afternoon with my sister who had her ID card as instructed. We were told to sit in the bank 's lobby as a teller made a few phone calls. We were not given any information about what was going on with my account. The teller came over to us at XXXX p.m., right before closing, handed us our identification cards back, and told my sister to bring in the original check for examination and that would be the only way the funds could be released. This was not what was told to me when I was there previously that day. What's even more outrageous is that per Chase 's recommendation, the XXXX check was destroyed immediately after I received email notification it had been accepted for processing. This recommendation can be found right on the Chase website. My money is being held XXXX and I can not comply with their ransom demands because I did what their consumers are recommended to do - shredded the check. If Chase was going to restrict accounts due to mobile deposits of third party checks, then they should not accept these checks. If they accepted the check for deposit, they should not punish me by putting a hold on separate funds. Chase has absolutely no right to earn interest off of my paycheck. This check has cleared. Yet I am refused access to my money. I have XXXX young children at home, no gas in my car and a cell phone that's about to be shut off. My food is dwindling. I do not have until XX/XX/XXXX to wait for money. Both of my parents have just died of XXXX and I have nobody I can ask for financial help from. Remove the hold, Chase. Give me my money from my paycheck. This incident clearly shows your lack of scruples, ethics, and concern for the American people in the times of a national crisis | ||||||
| 03/21/2019 | Yes |
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| I was scammed last XXXX for around {$530.00}. The transaction was done through XXXX but they advised me to dispute it with the card it was run on, Chase. When I did, they notified XXXX who then placed a hold on the funds of the merchant 's. XXXX months later, Chase then informed me they are closing it not in my favor, claiming I never provided proof, when in actuality I have submitted loads of proof and filled out a letter they sent. But they claimed I did not. They man was quite rude and I believe insulting me ( but was hard to tell if he called me names or not due to his lisp ) I then contacted XXXX who advised me that if Chase won't do anything, to take legal action against the merchant. I contacted them again and let them know I am prepared to do just that. She then offered to send my money back but not until XXXX releases the hold on the funds. XXXX tells me they are still waiting on Chase to make a decision and if it's in my favor the funds will be released to me and if not then the funds will be released back to the merchant. I then filed XXXX complaint, and received a call from Chase XXXX offices later that week. I advised her of all of this, but she was rude and continuing to claim I did not do what was asked of me and provide the needed proof. To move past her rudeness, I said to the point XXXX has the funds on hold regardless of what we're bickering about. She XXXX XXXX XXXX and I was told the exact same thing they told me before, just this time, someone from Chase was on the line to hear it. After XXXX explained to the lady from Chase Executive office they only need to respond advising it's in the customer 's favor then the funds will release back to my card. After an hour of taking XXXX 's time and going in circles, the Chase employee said she found the merchant also uses Chase bank and said the money must be lost somewhere in the Chase network and it's up to her to retrieve it. Again, after an hour of XXXX drilling it in to this lady 's head, she was under the impression that XXXX had nothing to do with it, despite the fact the have the money in question. Today, XX/XX/XXXX I called to follow up with the Dispute Dept and got the rudest people. I wanted to check the status and advise that I last heard they were looking in the Chase network for the money when XXXX explained to her they have the funds on hold, so if they take it out of the merchant 's Chase bank account, then they'd be taking it twice. The lady argued with me. I started to explain the entire story and when it came to when XXXX advised me to take legal action against the merchant, I was quickly cut off being told I said " legal action '' and has to transfer me, the lady did not allow me to speak, and obviously was not listening. The supervisor got on the phone claiming how I made threats to take legal action against Chase and was not receptive when I was trying to explain that I never said that and the rep never gave me the chance to talk. I then told the whole entire story, in hopes for some sort of answer or indication she was listening, she just says " ok, is there anything else I can help you with '' I then hung up. Chase representatives do not have the ability to listen and comprehend a problem, they are very anti-customer and it seems like they are doing everything they can to be against the customer when they should be helpful. They have made false claims and do not care when you try to explain to someone else. XXXX claims they are waiting on Chase to reply and Chase claims they are waiting on XXXX to reply. On my first go around with this dispute, Chase advised me they were closing it because the merchant replied, and only sent me the automated response but nothing from the actual merchant. It blows my mind that Chase belives that XXXX was the original merchant. All of this was explained on that XXXX call between Chase, XXXX and myself, but the Chase rep still argued, being against the customer continuing on about how I didn't provide the proof that I actually did. I am just appalled due to how they can be so against the customer and treat the customer with such disrespect. | ||||||
| 09/20/2023 | Yes |
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| I opened recently a chase secured checking account and I deposited a friends check third party online in which the funds were never made available despite it saying it was a XXXX day hold. Once the XXXX day hold was up then chase notified me that my account was restricted and soon would be closed yet the funds showed available in my account. When I inquired about the funds and closure they told me that I would need to produce a phone number of the check payee in which was registered to the payee and could be verified so through a " system '' verification that XXXX uses to verify people and phone numbers which they are to be registered to. I provided the phone number and they said they ran it through their system to get the verification yet it did not come back registered to the payees name. That is hard to believe when the phone number is valid and is under the payees name as I was shown by my friend it was through consumer cellular and so they said the money in the account was going to be held until a number would show up in their system registered to the payee on their end. I explained that if I could come into a local branch and bring my friend with valid ID to get the funds in person and would this be an option the lady told me very rudely the money was not going to be released until chase verification through the phone number showed the payees name and I explained that now that my account is closed and I had not received the funds the check was no longer good to cash anywhere else and they shouldn't be able to hold onto those funds making the physical check no longer cashable and that I had no problem getting the phone number registered to the XXXX it's the chase system they use that is obviously not accurate because I've since then provided XXXX separate numbers to them and they all were registered to the XXXX proven in our end yet their system wasn't showing the information in cases system. I've called probably 7 times waiting on hold for long periods of times and getting basically the same answer that the funds will stay with chase until this " system '' XXXX uses can show the payee as registered owner to the phone number. This is a glitch in the system because the numbers provided are in the payees name and I want to demand my funds be released to myself being that I waited the appropriate hold times that XXXX prolonged my check funds in order to make sure the check was valid in which it was and the funds were paid out to chase and they refuse to release the money to me. I've talked to check risk management several times and some say keep trying the phone numbers I have to see if they eventually could be verified but it's been ongoing for XXXX months about and I don't understand why they closed my account over a check that wasn't fraudulent and did cash and kept the money denying me access to it because of a system that isn't obviously accurate at times. The funds don't belong to XXXX and now they closed my account so all funds needs to be returned to me that are availably shown in my account currently or even recently because they don't have any control over money that doesn't belong to them they can only do the hold until the other bank releases the funds to cash the check and deposit them into my account and not demand these extra measures because there's no issues with the check at all and chase received the money. I would like an explanation as to why they can't accurately verify the phone number of the payee through their system and not continue to deny me access to them stating they have not verified any phone numbers because I have done it XXXX separate times with XXXX good current phone numbers that are in payees name. This is dishonest and to me just a way to keep money in their possession with no interest paid to anyone to help fund their business and customers with money they don't got to pay interest for. I'm tired of getting the runaround from Chase I would like to resolve my issues immediately and be given my funds that are rightfully owed to me. This should not be legal practice for any bank and chase needs a better verification system. | ||||||
| 06/18/2020 | Yes |
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| XXXX vs CHASE vs ME. No resolve on duplicate charges for an overnight stay on business, despite working with the vendor and credit company. Statement of facts : I booked a stay at the XXXX XXXX in XXXX XXXX XXXX on XX/XX/2020 through XXXX using my CHASE Sapphire Visa credit card. For reasons unknown, reason, and upon completion, the date I had selected for my booking didnt populate correctly and promptly attempted to correct it. The XXXX website prompted me to contact their customer service team by telephone for assistance, so I did. The XXXX customer service representative told me that since the booking was just made, the only way to correct the date on the booking was to cancel the reservation and start a new one. The XXXX customer service representative also assured me that I would not be charged any additional fees and that I would be refunded the amount of the booking they canceled for me to my CHASE Sapphire Visa credit card. The XXXX agent said the full amount would be refunded, minus the {$19.00} service fee, that would be applied to the new booking, within 1-3 weeks. I agreed and provided my CHASE Sapphire credit card information again over the telephone, so the agent could complete the updated booking for me The XXXX customer service agent confirmed the new booking with me and again said I would be issued a full refund for the canceled reservation and the {$19.00} service fee would be credited to the new booking since the booking was made on this same day. I thanked the XXXX rep and hung up. Several weeks later and after receiving my next statement, I noticed that I was charged twice on XX/XX/2020 in the amount of {$210.00} and that no credit had been issued from XXXX. I called the XXXX customer support number again to inquire about the status of the refund from the booking they had to cancel for me. The XXXX agent told me no information was available and advised me to contact my credit card company ( CHASE ). So, I contacted CHASE after disputing this charge on my statement. CHASE sent me a letter, letting me know that they were investigating the charge with the merchant ( XXXX ) and would contact me again through the secure messaging service on CHASE.COM. After several weeks of passing, I received a notice from CHASE letting me know that they believed the charge to be valid. the notice instructed me to contact the CHASE customer service rep listed on the letter if I had any questions regarding the resolution. So, I called. The CHASE representative said that If I had additional information, I should have sent it. I said that I did and can email it anytime since the COVID shelter in order prevents me from going anywhere to use a fax. The CHASE agent provided me with an email address to send information since they had turned off the secure message feature on their site for all customers. I gathered this information and emailed it to the address provided. I was instructed to wait a few weeks and to call back if I didn't hear anything from them. Several weeks later, after receiving my next statement, I called CHASE customer service again to see if they had received my email. Well as it turns out, there was a typo in the email address and that they never received anything. was told the dispute was closed. The CHASE agent said that I can resend the information again to the email provide and reference the initial dispute. So I did. CHASE received my statement of facts and supporting documents and started a new dispute with XXXX. CHASE just got back to me with a letter telling me the following '' ... we found that a significant amount of time has passed since the date of this charge. Despite our efforts, the merchant is not willing to credit your account. We consider the charge valid based on the results of our research. In short, I followed every step to resolve this matter and believe that I am getting taking advantage of by both the merchant ( XXXX ) as well as CHASE ( the credit card company ). I've been dealing with this for several months but neither the CHASE nor XXXX is willing to provide any resolve or additional information. | ||||||
| 12/04/2019 | Yes |
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| Hello- Around XX/XX/XXXX or XX/XX/XXXX I tried to book a package deal vacation on XXXX. The package was to include rountrip airfare and hotel stay for roughly a week for 2 people in XXXX XXXX XXXX around XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX. I tried to book the package and put in my credit card information but when I pressed the confirm button I was given a message that said something along the lines of - we cannot fulfill this reservation, use another payment method and the currrent deal is no longer available (I got both- tried more than once). After being really frustrrated, I just decided that if XXXX wasn't going to allow me to book the deal, I wasn't going to go. I thought nothing of it and moved on. On my XXXX credit card statement I had a charge for $XXXX from a XXXX XXXX XXXX XXXX XXXX. I didn't recognize it so I reported it to my Chase card as fraud. I was issued a new card, they removed the charge as fraudulent and I moved on. Until it reappeared on my account. When I called Chase they provided a bit more information- they told me that it was a hotel that had my email, phone number and credit card information and a booking number from XXXX (which I then learned was related to XXXX). I thought that maybe this was something related to my attempt to book a XXXX vacation back in XXXX, and Chase said that it appeared to be. They wouldn't give me the confirmation number or anything else, but told me that given this it wasn't fraud, I'd need to deal directly with XXXX. Well, that is nearly impossible. XXXX won't answer the phone or discuss anything with you unless you have a confirmation number, which I did not have because I never made a reservation! After spending hours on the phone with XXXX and logging into my XXXX account (which I only have because I booked another trip around the same time for XXXX that went through fine through XXXX and when I found out the two were related saw that I had an account with XXXX because of it.) XXXX made it clear that neither it or XXXX could help me because they did not have any confirmation of any reservation being made. I called my credit card company, Chase and again spent hours on the phone explaining the circumstances and finally someone at Chase tried to call XXXX. It sounded like XXXX, from Chase finally talked to someone at XXXX by using the info the hotel had provided to it, and to someone at XXXX and both confirmed to XXXX at Chase that NO RESERVATION WAS EVER MADE. XXXX indicated that she would work on it and the charge would be removed. This was in XXXX. Well, I just got my bill and it has reappeared- the same charge. I'm at a loss for what to do about this. I never authorized a charge. XXXX clearly impermissibly took my credit card and personal information and transmitted it to XXXX, which must have been the point of transmission to the hotel, and yet that was never authorized, and they indicated that the deal was not available. I've gone in circles and trying to resolve this, but now Chase is saying this isn't fraud because I provided XXXX with my information. However, XXXX clearly indicated that no reservation was made. I have no confirmation information, and no information for the alleged reservation is in XXXX system. However the hotel keeps reinstating the charge and challenging this, and Chase keeps putting it back on my bill. This is atrocious! I in no way authorized this charge and not a single company involved will take any ownership and fix this. I am beyond frustrated. XXXX is misusing customer information and I can't get any resolution, despite spending hours of my time trying to resolve this. I wish I had something to attach, but because I NEVER made a reservation, and never recieved anything from XXXX or XXXX (except a pop up window from XXXX declaring that a reservation couldn't be made or that the deal was no longer availale, which I clearly didn't screenshot to keep).I have nothing that I can attach. I could log into my XXXX account and show that there is no reservation for this hotel, but that's about it, and I won't attach that here. | ||||||
| 06/15/2022 | Yes |
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| I recently have come across a situation with Chase in which I feel I'm being treated unfairly. I truly just need someone to listen and understand. On XX/XX/2021, I sent in a payment to pay off my full balance of {$2800.00}. After the payment, I never gave it another thought since I paid off the balance until a few months later when I checked my credit report. Per my credit report, I found to have an outstanding balance of about {$180.00} and 90 days late on my Chase credit card. I immediately contacted Chase customer service to inquire about this. The customer service representative took his time and was able determine that I had never received an additional bill for a small additional interest payment for approximately {$30.00}. I had recently moved and never changed my address through Chase since I had just paid off the balance in full and figured I would no longer be receiving anymore bills. I also had filed a change of address through my post office so all bills should have been forwarded to me anyway... which I have come to find out they didn't. The customer service representative at Chase was able to see that the bills that had tried to be sent to me had been returned to Chase by the post office. The situation ended up that I had an outstanding bill of approximately {$30.00} that I was never aware of that had been compounding late fees for 3 months and negatively impacting my credit score. Thankfully, all but 1 late fee was forgiven, and I paid the remaining balance while on the phone with customer service. I was thankful for their understanding but was honestly more concerned about how this would impact my credit score. Customer service stated they were unable to correct it and transferred me to the credit reporting department through Chase. Unfortunately, they refused to remove this report and informed me to file a dispute with XXXX. I questioned why they never contacted me via email or phone to inform me that my bills have been returned. He stated Chase can't possibly contact all customers if they are late on their payments. I understand that but, in this situation, I feel I should have been made aware instead of just allowing my account to accrue late fees. I did file a dispute with XXXX in the end. I received a letter back stating that they could not remove the reported late payments and to contact Chase again to ask that they be removed or file a complaint through the consumer financial protection bureau. I contacted Chase again today only to be told they have a policy against goodwill adjustments since they receive too many requests for them. She stated the information they submitted was accurate. Technically yes but ethically no it wasn't. They can CLEARLY see this was an isolated incident with a valid reason for the late payment. My past payment history proves that. I had great credit prior to this incident along with an excellent payment history. We are currently in the process of building a house and my decreased credit score is greatly impacting our mortgage rate especially with mortgage rates already on the rise. This is the ONLY detrimental item on my credit report. I'm a nurse and have worked tirelessly to make our dream of building a house come true and this credit issue is greatly affecting our estimated monthly payments causing it to be a nightmare. I don't feel that I should be penalized for 7 years with this negatively affecting my score. Why would I pay off my credit card only to leave {$30.00} unpaid for 3 months? I was paying off my card to increase my score not negatively impact it. It's my understanding that Chase allows COVID-19 deferred payments that does not affect one 's credit score which I feel is important. However, I feel that if Chase is able to help others in a financial situation that my situation should be considered as well. I do everything right... I pay my bills on time. I'm a customer that is being treated unfairly which is costing me greatly. I know other credit card companies grant goodwill adjustments, so I know it is possible. Please strongly consider my request. My card is under my maiden name XXXX XXXX. | ||||||
| 02/23/2019 | Yes |
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| It started when I requested to lay off my chase bank credit card ending in XXXX and send them the payment and they acknowledged receipt of it still they overcharged my account with interest and confiscated against my will my funds that supposed to be returned to me as I requested it. Chase credit card services payment processing department, or whatever they call it, Delayed processing the payment, so I called them about that back in many weeks ago. They say that maybe the payment check was lost by them. They added tell your xxx bank to fax them the back and front of the check. I called that xxx bank, which is my from where I sent them that amount to pay off my chase credit card XXXX, and when I told my xxx bank what chase bank instructed me, they were surprised and told me that they dont do that ... ..etc and they added wait few more days then xx bank would process of finish process stop payment ... etc for the {$2800.00}. So I would avoided paying or charged by chase more interests for everyday that payment is not showing, I used my other and third bank and I sent chase credit card services {$2800.00} to pay off same above chase credit card account XXXX. Then suddenly chase had two {$2800.00}. Chase card services resisted to issue credit back to me. Chase card services used that extra {$2800.00} without my consent and abused and still I have no idea where it is but one thing they confirmed is that if even received by me it will be lot shorter than {$2800.00} in addition to interest been charged deceptively too to my chase credit card account XXXX. That chase credit card XXXX full number will be attached to this complaint .It is my understanding now that Chase bank credit card services chose to retaliate against my person or be part of blacklisting my personal information for no reason and it is unlawful anyway. From first week of XX/XX/2019 to todays date XX/XX/2019, chase bank abused a credit of {$2800.00} that it should be returned to my person in a check. For the third month, chase bank not only confiscated the funds totaling {$2800.00} illegally against my will, chase bank charged my account interest and never sent me the check with the above credit amount to the date of this complaint XX/XX/2019.abuse, discrimination and retaliation were the appearing chase banks Violations toward my person in violation of consumer rights such AS BUT NOT LIMITED TO rights asserted by CFPA and civil rights. I called many times to fix the issue and the final time was today XX/XX/2019 giving chase bank credit card services last chance to correct its deceptive and unethical banking practices against my person and they refused. This complaint has the recording of the cal that I made today to chase bank. Even a recent refund of over {$600.00} from canceling my flight was also abused ( see attached files ). You will see the date of the transactions. I have more privileged related files and audio to use at any time necessary and I see it needed. Any future retaliation by this bank will be expose to public so stop harrassing me and refrain from any blacklisting or retaliation or face public opinion and justice in courts. You are not above the Law.do not invade my privacy at anytime as I noticed you also today in a different call. All stated herein is to the current state of my belief, knowledge and understanding and it is subject to anything or any correction at any time without prior notice and by my person only and without waiving my rights under any circumstances. This credit card services deceptive banking practices voided now any terms and conditions they might try to use to retaliate or harm my person at any time from now. I hope your own bank will Sanction those spreading that type of practices. I always had normal services with them until recently something wrong with this credit card bank.i am the wrong person to violate his rights I will expose you and make sure you get accountable at the end for your illegal acts and by law. Abide and respect the role of law please like All of us Americans you are not an exception or above it. Audio recording of todays call attached. | ||||||
| 10/02/2017 | Yes |
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| On XXXX XXXX, XXXX I secured a Realtor, and listed my property as of XXXX XXXX, XXXX after talking to Chase Home Mortgage. I made this decision because I was unable to maintain monthly payments, had previously been approved by Chase Home Mortgage for loan remodifications, but due to ongoing financial hardships could never get the mortgage payments up to date. The Chase Home Loan # is XXXX. By the end of XXXX XXXX I contacted Chase Home Mortgage because efforts to sell the house were going slower than expected and I was advised to apply for a short sale ; I did, and was approved for a Short Sale. This meant any offers on the property had to be submitted to the bank and approved. In early XXXX of XXXX, I received an offer for the property ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that would have been sufficient to satisfy my loan debt with Chase, if it had been accepted by the bank ( lender for the property ). However, because one department at Chase does not seem to know what the other is doing, erroneous publicized news that the property was in foreclosure reached the buyer, who backed out of the transaction, which was already signed off by the buyer and was submitted to Chase and awaiting approval from Chase for the Short Sale. I was originally told I qualified for relocation assistance if I maintained the property in good condition, which I have done, including maintaining utilities, lawn care, and intermittent professional cleaning. Since XXXX XXXX when I had a legitimate buyer with verified and approved financial resources, and the offer was submitted to the bank but not processed to close after the bank scared away this buyer the process has been tedious and complicated, with one potential buyer after another getting frustrated with the bank 's requirements, forms, multiple bank representatives overseeing the loan and short sale process, being told I qualify for the relocation assistance, then after the buyer, before the current one being processed, decided to back out because the process was so long due to the bank 's requirements, I have been told I no longer qualify for relocation assistance because I moved out of the house. However, the bank knew that the only reason I moved out in XXXX XXXX was because we had an early XXXX XXXX close date and I was still in the house. After I moved out in early XXXX XXXX and was locked into a new lease, the title company and bank required additional action of me to address back HOA dues, which I addressed and the HOA and myself reached an agreement or settlement which I have honored and there is no HOA hold on the Short Sale. I believe it is extremely unfair for me to be not provided relocation assistance after all that I have been through with my efforts to sell this property and having to involve Chase because of the Short Sale process. I have paid out quite a bit more than {$3000.00} maintaining the property and paying deposits, movers, etc. when I relocated just before the scheduled XXXX XXXX close date that ended up unexpectedly being rescheduled - and ultimately ... .months later as we finally were moving to close again, the buyer backed out. I do have another buyer for the property at this time for the latest Short Sale request. It is unfair that the process and my approval for relocation assistance kept affected by the bank long drawn out Short Sale process, until this unfortunate series of events has occurred. It seems to me that because the bank flubbed things up in XXXX XXXX by releasing public information that was in error and that caused the best offer for the property to never reach close, that the least they can do now is pay me {$3000.00} at close with the current buyer, even though I am no longer in the house ... ... and they know that it was because of the XXXX XXXX close date. I am frustrated dealing with Chase Home Mortgage and its many representatives and process that seems disjointed and poorly executed on their part, but that penalizes the customer or mortgage holder ... .in this case, that means me. Extremely poor customer service. Very confusing and complicated Short Sale process. | ||||||
| 09/21/2022 | Yes |
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| I am a victim of false advertising regarding a credit card offer. The offer was if you spend XXXX in the first 3 months, you got credited 5 free nights at the marriott. However, I was only credited 3 nights. After contacting them they still will not change it even though I did what the marketing asked me to do ( apply before XX/XX/XXXX ). Below is the first message I sent to Chase on XX/XX/2022 that describes the problem : Hello, I am reaching out to correct an error in a credit card offer I was sent. I received the attached application offer to which I applied and was accepted. I spent XXXX dollars and yet I have only been awarded 3 nights. I called and was told the marketing department would get back to me. They sent me the letter that is also attached just saying I am ineligible for the offer. How can I be ineligible if I was mailed the offer and applied? I am requesting you correct the error to give me the XXXX nights as I was offered when I originally applied. Thank you, XXXX XXXX is their response on XX/XX/2022 : Hello, XXXX. Thank you for contacting us about your Marriott Bonvoy credit card. We understand how important it is to get the most out of your credit card, especially when it comes to earning the new account bonus offer. We have reviewed the attachments you sent but are unable to locate the invitation code on the application. Please respond to this email with the code so we can continue to review your request. If you have any questions regarding your Marriott Bonvoy account, please contact Marriott at meetmarriottbonvoy.marriott.com or call them at 1-800-321-7396. If you have any questions about your credit card account, please contact us. We appreciate your business. Sincerely, XXXX Senior Service Specialist Below is my response on XX/XX/2022 : Hello, The attached is all that was sent to me. Marriott told me that I needed to deal with you regarding credit card offers. There is no invitation code, only an invitation to apply. I scanned the QR code which took me to creditcards.chase.com where I completed my application. I relied on the marketing communications I received from you in my applying for the credit card. I would not have applied if it were not for the special 5 nights offer. I am trying to give Chase the benefit of the doubt and correct the error and avoid having If you are unwilling to make it right I will be making complaints with : Consumer Financial Protection XXXX XXXX XXXX XXXX State of Hawaii Department of Commerce and Consumer Affairs If necessary I am willing to take Chase to small claims court if the above doesn't remedy the situation. Now is your chance to make it right and save us both the trouble. Below is their response : Hello, XXXX. Thank you for contacting us about your Marriott Bonvoy credit card. We understand how important it is to get the most out of your credit card, especially when it comes to earning rewards. We have reviewed your request again. Regrettably, the current offer on your account stands as is which is where you will earn Marriott e-certificates 3 night stays ( each night has a redemption value up to XXXX points ) after you spend {$3000.00} on purchases in the first 3 months from account opening. " Purchases '' do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We are unable to match or honor the offer you are requesting. We understand this isn't the answer you want and apologize about any inconvenience this may have caused. If you have any questions regarding your Marriott Bonvoy account, please contact Marriott at meetmarriottbonvoy.marriott.com or call them at 1-800-321-7396. If you have any questions about your credit card account, please contact us. We appreciate your business. Sincerely, XXXX Senior Service Specialist | ||||||
| 10/09/2018 | Yes |
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| I purchased my home XX/XX/2018 with my first payment being due XX/XX/2018. They sold my load to XXXX XXXX who is using JP Morgan Chase as the servicer of the loan. I called immediately when I got their letter to advise that I wanted to pay my mortgage every two weeks so I could save on interest. I was advised they had a new program that would accomplish that but it wouldn't be ready until XX/XX/XXXX and to call back. I called back a couple days before XX/XX/XXXX to see if their program was ready and when I was speaking with the rep I told her I wanted to pay every two weeks to reduce the principle on my loan to save interest and she said as long as I paid the full amount before the XXXX of the month, the payment would be considered on time and I would accomplish what I wanted. After making the first months payment, half on XX/XX/XXXX and half on XX/XX/XXXX, I logged in to check to be sure all was applied as expected and found out they didn't apply my first half payment on XX/XX/XXXX until the second half was paid on XX/XX/XXXX. I called to discuss this with them and was advised that if I signed up for their automatic bi-weekly payment program, that I would accomplish what I wanted which led me to believe that my payments every two weeks would be applied when paid. Because I had to pay for XXXX by paying 1/2 on XX/XX/XXXX and 1/2 on XX/XX/XXXX, I had to make a full payment for XX/XX/XXXX before XX/XX/XXXX so I paid my full payment on XX/XX/XXXX. When they took out the first automatic payment on XX/XX/XXXX, I logged in to make sure this time that it had applied as expected, I found that they didn't apply my payment so once again, I called. That was when I found out that they won't apply the payment until the second one is received which was totally misleading to me because I made it clear numerous times that my issue with paying twice before the XXXX of each month was that they didn't apply the first half when received and was given the impression that this automatic program would accomplish this. As it is, all this program does is take my money and it sits there, NOT saving me any interest on their end because it's not applied to anything and NOT earning any interest on my end because it's not in my savings account anymore. At the end of the day, JP Morgan Chase associates do not know how to advise consumers about how the program works, they don't listen to the consumer because I was very clear in what my expectation was and I lost the interest I could have earned on the money they took and did nothing with. Their program is flawed and I believe there are more consumers out there who haven't taken the time to make sure their payments are being applied as expected and who would be upset if they found this out. This program was new in XX/XX/XXXX so there may not be a lot of victims at this time which makes it a perfect time to register a complaint in hopes that they can rectify the issue before it gets worse. When I registered a complaint with JP Morgan Chase today, XX/XX/XXXX, they didn't understand what I was saying, how it didn't benefit me in the way I had expected and was told so I don't feel like they plan to do anything to make their program better or at minimum accurately infor their consumers. I feel that consumers need to be advised to check their mortgage payments online to ensure the servicers of their loans are processing the payments correctly. If I hadn't checked every time I made a payment and just assumed they were applying it to my loan in the way I expected them to, I may have continued on this program and continued to lose money on interest by giving my money to them to do nothing with when it could have been in my savings account earning interest. I can save more on interest by paying an extra {$130.00} per month on the first of each month reducing my prinicple every month vs letting them take half the payment bi-weekly thereby reducing my principle only twice a year. And, I'm earning interest while the money is in my savings vs in their bank earning nothing because I'm not paying it ahead of time but instead, when it's due. | ||||||
| 03/17/2022 | Yes |
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| I currently have my mortgage with chase bank. I called on XX/XX/XXXX to injury about how to drop my PMI ( private mortgage insurance ). I was told that I would have to get a broker price opinion ( XXXX ). I was asked if I consent to a XXXX which I stated I did. I gave my bank account information over the phone for a amount of {$150.00} fee for the XXXX. I was told that the XXXX would need to be scheduled within 7 business day. I agreed. After 10 business days, I did not receive a call scheduling the XXXX. I called Chase back. There were many " issues with computers '' and ultimately chase could not find my request despite all phone calls being recorded. After the representative asking to call me back, not calling the right number I gave her for a call back etc, I consented again and gave my verbal consent for XXXX and bank account information for a {$150.00} fee. I did see this fee get charged and placed on my mortgage account. I then waited another 10 business days and called Chase back. I was told that the funds were processed incorrectly and that the {$150.00} went to the principle. I explained that I still had not received a call from a XXXX agent and since this had been well over the initial XXXX business days this should be expedite. I was placed on the phone with an " expedited case manager ''. I explain to him that I would like to know what XXXX agent was assigned to my account given it had been greater than their policy of 7 business days. The expedited case manager could not help. I believe this is fraud as they are holding my funds of {$150.00} and not providing the service promised. I have spent approx 10 hours on the phone with chase to resolve this with no resolve possible. I had finally been contacted by a bpo agent completing a BPO on XX/XX/XXXX. I was told by this XXXX agent that the XXXX was submitted by XXXX on XX/XX/XXXX. I received a call from the executive office XXXX XXXX on XX/XX/XXXX. I asked her for an update as the bpo agent stated that chase would have the bpo by Tuesday. She did not have one to provide. I called back on Friday many times after I tried to leave a message and it would try to disconnect me. I was told by XXXX that she escalated my case. I asked her for an average time one should expect to hear the result as a XXXX I was not given an answer. I was told by XXXX that she would call me to update me on Monday. I did not hear from her on Monday XX/XX/XXXX and therefore called her at XXXX. I was told again that she escalated the case. I asked her how long one would expect a case to be escalated until they hear back. She was unable to give me a time frame. I explained to her I would be filing another complaint as well as calling morning and afternoon daily until this is solved. I have been speaking with XXXX on the phone/in person about every other day. I have been asking fair questions in regards to how long I should expect to wait to receive a bpo and she has been unable to answer. I asked once receiving a bpo how long does that take to come into effect, and she has been unable to answer. On Wednesday XXXX, XXXX stated my bpo had been received and I asked her what the average time it takes to hear back from chase, again she could not answer. I asked XXXX to speak to her manager. She stated her manager was XXXX XXXX. I requested she give me a call and she has yet to do so. I feel as though this is discrimination and will be getting lawyers to assist. Initially I requested that my PMI be refunded for XXXX, XXXX and XXXX for this trouble. I do recognize that I began this process in XXXX and now and only asking for XXXX ad XXXX. I asked to speak with a manager and was told XXXX would be calling me. Two days later, XXXX called. I explained that I wanted my calls to be run for review to justify that I was told the above. She stated that there was no way to do that and that I would have to provide the date and time that all calls were taken place. I told her I would be happy to provide that information. I was then told it wouldnt matter for this case. I would like to appeal my request for refund of PMI for XXXX and XXXX. | ||||||
| 06/28/2017 | Yes |
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| On XX/XX/XXXX I noticed that my ATM debit card was missing. I called Chase Bank immediately. Chase asked me about my last transaction. I informed Chase that I had made a deposit on XX/XX/XXXX. Chase informed me that there had been a debit to my account on XX/XX/XXXX in the amount of {$1500.00} to XXXX XXXX XXXX XXXX in Nebraska. I told Chase this was an unauthorized transaction. I do not do business with XXXX, I had never heard of XXXX XXXX XXXX in Nebraska or had any business with them, and I would never have a transaction in that high of a dollar amount. I maintain a fairly low balance in my checking account. I use my ATM card infrequently, once or twice a month, usually withdrawing {$100.00} or {$200.00}. I rarely debit- 6 times in 6 years to local area stores ( XXXX , XXXX XXXX ), the highest amount {$83.00}. I told Chase this was fraud. Chase told me they closed the card XX/XX/XXXX and opened a claim # XXXX. When I traveled to XXXX in XX/XX/XXXX I advised Chase before my trip. While in XXXX, they stopped use of my card 7 times! They were concerned that there were unauthorized transactions ( none over {$400.00} ). I phoned them each time, explaining that I was in XXXX ; and that the charges were okay. This shows that Chase has fraud detection software. How they allowed a {$1500.00} ( dollar value way over any of my usual patterns ) debit ( again, I rarely debit ) to my account from an unknown, out of state vendor seems like their software did not work. This is outside any parameters I have established as a Chase customer in over 3 decades. On XX/XX/XXXX XXXX at Chase said the algorithm did not pick up the discrepancy. On XX/XX/XXXX I received a package from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, IL. It contained a 2 x 2 plastic pyramid. I tried to reach the sender via voice and left a message. I received a text XX/XX/XXXX from XXXX. I told him I had received a package I had not ordered. He had to contact the owners ; but, result was they would have no problem giving a refund and would mail me a Return Authorization, which I never received. On XX/XX/XXXX I met with XXXX XXXX at Chase XXXX XXXX XXXX branch. I explained the situation, showed her the plastic piece and the packaging, the texts with XXXX. I was given a new claim # XXXX. Chase asked that I file a police report. I filed a report with Deputy XXXX XX/XX/XXXX. He said this was identity theft ; so, I also filed a report with the FTC as recommended by Deputy XXXX. I also filed a report with Attorney General XXXX XXXX XXXX. I provided all the documents to XXXX at Chase XXXX XX/XX/XXXX, she faxed them to the Claims Department. I was advised by Chase on XX/XX/XXXX to discontinue contact with XXXX while they researched the fraud. On XX/XX/XXXX Chase requested that I complete a Questionnaire. I did so and returned to XXXX XX/XX/XXXX. On XX/XX/XXXX XXXX at Chase told me that the merchant had provided evidence and that my claim was denied. XX/XX/XXXX I was connected to XXXX in the Escalation Department. He said he was contacting XXXX and would follow up with me XX/XX/XXXX. He did not. XX/XX/XXXX I wrote a letter to Chase recapping the events. XXXX faxed the letter with all supporting documentation to reassert my claim. XX/XX/XXXX I called Chase. XXXX told me that my reassertion request had been denied and I was transferred to XXXX, an Escalation Specialist. XXXX said she would file an internal complaint and directed me to go to my local Chase XXXX branch. XX/XX/XXXX I spoke with XXXX and requested they file a complaint with the corporate office. XXXX XXXX, XXXX manager from Chase told me the complaint was put in the system XX/XX/XXXX. I informed Chase in a timely manner- the same day I learned my ATM debit card was missing. Chase told me of the fraudulent transaction. Chase fraud detection did not catch a debit 1 ) way over any dollar amount I ever incur 2 ) a debit when I rarely debit 3 ) a vendor I do not know - all outside the norm of anything Ive done in my history with Chase. Chase is not honoring their responsibility. The reason we keep our money in a bank is to protect it from theft. This was theft. | ||||||
| 10/05/2023 | Yes |
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| Chase Bank is deliberately causing my bank account to be overdrafted despite not having overdraft on my account, they have also continued to violate the federal law and it has become now what i believe to be malicious. Here is a list of Issues I have had since opening my account. 1. They do not post real time transactions yet wait days to post transactions in whatever order will cause an overdraft 2. They transfer money from my account that seems to go nowhere, and without my permission 3. They will lie stating that transactions never posted yet clearly my records and statements prove otherwise 4. They refuse to investigate valid claims for transactions I dispute causing my account to become overdrafted 5. They have doubled payments sent by XXXX then debited my account days later stating tech diffuicultys and then posting transactions during such time I had money but causing my account to overdraft once the money is removed without my knowledge 6. I have proof that they doubled a XXXX payment that was only sent one time, my friend who sent the money also banks with chase and has never had this issue before not once until XXXX of XXXX 7. They have doubled ATM transactions that never happened 8. They have approved ATM withdrawals despite having no Overdraft protection and no money in my account 9. They have delayed making bill and credit card payments waiting to post them for over a week which were not debited the moment I made the transaction so they were returned unpaid despite that I had the money to pay them. 10. They have reversed posted payments to my credit card company one week after the transaction 11. I have lost all of my credit cards due to these reversals and now my credit score is completely destroyed. 12. I have to pay double ATM fees at non Chase Atms which is about XXXX per transaction which includes balance inquiries. 13. I had to pay ATM fees at non chase bank ATMs despite not having a Chase ATM location in my Town at all until a year after I opened my account. 14. SInce XXXX of last year I have incurred XXXX dollars in Atm Fees and half of those are posted after by chase for a non ATM transaction. 15. I had fraud which caused me to lose nearly XXXX dollars. Chase only helped me barely recover XXXX, they refused to go back further to help reimburse me for their clear mistakes. 16. After XXXX dollars in ACH reversals due to fraud that chase helped me recover, I was then put into collections by the ACH clearinghouse due to non-payment of these transactions. 17. I received a 1099 in XXXX sent to my son 's minor chase first account. The 1099 was in my name and said I was paid XXXX in interest. I have called and inquired more than once about this 1099 that I have no clue what it is for and why it was sent to my son. Not one person has helped me find the answer, I still have no clue what it is for. But it was reported to the IRS and I had to claim it on my taxes despite not knowing what it was for. 18. I have reached out to chase via messages, and phone calls more times than I can count to get help with all of these issues, I have even gone to the local branch. I have had no resolution. I have no overdraft on my account, I have no interest bearing accounts to my knowledge, 20.I am XXXX with XXXX XXXX XXXX and reached out for help due to this because of so many issues with my transactions, chase ignored my request for help through the American with disabilities Act, and still have never acknowledged my requests for assistance. Below is a list of evidence i have in my possession to prove these issues They include Links of screen recordings taken at the time of the overdraft or account transfers 1099 issued to my sons account that I have no clue where or what it is from or why it was even put on his account and not mine Side by side account transactions from different dates proving they were changed by the bank Bank statements that do not match the account transactions Messages to and from me and chase Proof of Disputed transactions not resolved from a year ago in my account despite it just recently being reopened without my knowledge | ||||||
| 06/14/2019 | Yes |
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| My husband and I bought our vehicle from XXXX XXXX in XX/XX/XXXX that was financed through Chase Auto. XX/XX/XXXX we decided to refinance through the bank that I currently work at. On XX/XX/XXXX I received the 10 day payoff as requested in the amount of {$18000.00}. A loan officer through my employer mailed out the payoff check on XX/XX/XXXX in the amount of {$18000.00}. I checked our Chase account through the mobile app daily. Finally on XX/XX/XXXX I called Chase asking if they had received the check for the payoff. A customer service representative told me they had not received it and to put a stop payment on it. Same day, XX/XX/XXXX there was a stop pay put on that check, {$18000.00} and a loan officer mailed an over-night check through XXXX in the amount of {$19000.00} to the address provided on the payoff form for over-night checks in Texas. On Monday XX/XX/XXXX I checked the account again and the first check {$18000.00} was processed to our account as a " short payoff ''. I called Chase again and explained to them the check they processed has a stop payment on it but there was a second check mailed to them over-night. They told me they could not find the second check. The loan officer checked XXXX tracking and found a tracking number for it and was received on Monday XX/XX/XXXX at XXXX. I was told this is not how they do business and that there was an on-going investigation on our account because they could not find the second check and that a " case manager '' would give me a call on Monday XX/XX/XXXX. A co-worker and I spoke with employees through Chase and to our understanding, they will hold checks for 7 to 9 business days before they process them because of the amount of payments they get in a day which means accruing more interest daily for each customer. I then asked them their process of over-night checks and they explained to me they back date payments to the day they receive them. I looked up the first check they processed through a website we have and they had stamped " XX/XX/XXXX '' on the very front of the check. The check was stamped with that date but was not processed until XX/XX/XXXX so my account was accruing interest every day. After not receiving a call on Monday, XX/XX/XXXX from the " case manager '' I called again today, Thursday, XX/XX/XXXX. I explained everything that has been going on since the very first phone call I made to Chase on XX/XX/XXXX. I have called other employees through the bank I work at about the check with the stop payment on it. They returned that check on XX/XX/XXXX and was told it should fall off on Chases end that Monday XX/XX/XXXX. I was told they do not have access to see checks after they have been processed. I faxed a copy of the check with the date stamped on it to the fax number provided. I was told they did not post that check correctly which means they do not always back date checks to the day they receive them. Our account with Chase is still currently not paid off and this is holding us from getting our Lien Release so we can cancel our XXXX Insurance through XXXX XXXX and get a new title. I understand holding a Lien Release for up to 10 business days, but they failed to process the payoff upon received, which is illegal and a violation to banking regulations. I have spoken with many employees from Chase and have not received any help to fix this as this has been going on for 14 days now. They are extremely unprofessional and I do not see how their processes are effective in any way. I made my last and final call to them XX/XX/XXXX. I was told is takes 10 business days for a returned check to fall off on their end, which was not explained to me in the phone call on XX/XX/XXXX and to my understanding it should not that that long, dragging this out even longer. I have been told by several employees/managers they will back date the second check {$19000.00} to XX/XX/XXXXas that is when the very first check was received. I still do not have my Lien Release but now have our first payment due with our new lien holders. They need a complete full audit for my concern of this happening to other customers. | ||||||
| 11/22/2020 | Yes |
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| In late XX/XX/2020, from my home in XXXX, XX/XX/XXXX I began the process of applying for a mortgage to buy a home in northern XX/XX/XXXX. I had a banking relationship with Chase and after some research on rates and costs decided to get prequalified with Chase before looking for properties and then working through the application process. Since I was between jobs having retired a year earlier from the XXXX XXXX XXXX and about to return to work at the end of XX/XX/2020, the loan officer suggested using our assets as the basis for a loan rather than wait for verification of my reappointment as a XXXX XXXX XXXX. That seemed reasonable even though it was not fully explained how detailed the documentation process to verify our assets would be. Nonetheless we managed to comply with an endless stream of requests to help the underwriters verify our assets and provide the necessary documentation. After we verified the sales contract on our house in XX/XX/XXXX we set a closing date for XXXX XXXX, a month away, and had our realtor send a copy to the loan officer so that the mortgage could be approved and in place in time for the closing scheduled to take place in XX/XX/XXXX. We locked in the rate with the understanding from the loan officer that by moving more of our assets to Chase, we would qualify for discounts, bringing the rate from 3 % down to 2.6 % with no prepaid points. In order to qualify we went the through the process of moving assets to Chase with assurances that we would receive the lower rate and everything would be in place in time for the scheduled closing. When we departed for VA a few days prior to the closing we were assured by the Chase loan officers that everything needed for the scheduled closing was in place but when we arrived there we were asked to provide yet additional details about our assets. We were also confronted with some new requests that we pay off some of our credit card balances ( something we do every month anyway ) and not use our Chase branded credit cards until after the closing so as not to trigger any additional credit rating reports. We also learned upon arriving in VA that the settlement company had received nothing from Chase and that it was unlikely that the closing could take place on schedule as we had planned. Despite furtive attempts to contact Chase and get the information from the lender to the settlement company, we were unable to close on the property as planned and faced the likelihood of us defaulting on the sales contract. We were unable to get any response from Chase other than a phone message apologizing for delays with underwriting and a promise from a Chase loan supervisor to look into what happened. We subsequently withdrew funds that we had moved to Chase in order to qualify for the discounted loan and paid cash for the house, not what we had intended to do but forced into this situation by Chase failing to approve the loan in a timely manner and communicate properly with us. Ironically, we discovered upon our return to XX/XX/XXXX, Chase sent the documents approving the loan via US mail not at the promised discount interest rate, but at the original rate of 3.00 % which was not what we had been promised and which arrived to us after we had closed on the property. We feel that we have been badly misled by Chase about the process, victimized by a bait and switch in terms of the interest rate promised, and but in a very compromising position legally and financially by not being able to come through with the expected financing when it was required. I have been contacted by someone at Chase 's Executive Office two weeks ago and have been playing phone tag ever since. Its clear to us that the processing and communications at one the nation 's largest banks is terribly deficient, poorly supervised, and grossly irresponsible. We were warned by our realtor about the challenges of dealing with large banks and the benefits of working with local lenders. We had thought that our relationship with the Chase branch in XXXX XX/XX/XXXX would assure good customer service, advice and support. It seems that we were wrong. | ||||||
| 11/02/2021 | Yes |
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| Someone called XXXX and had my sim card swapped to their phone at XXXX XXXX on XX/XX/21. o This has been confirmed by XXXX They used it to bypass 2 factor authentication to gain access to my chase bank account by having the password reset code texted to the phone number I no longer had access to and o Once they had access to my back account they transferred money from my checking and savings account by pretending to be me. They transferred money ( {$5000.00} ) from my savings and ( {$9000.00} ) from my checking account through a wire transfer. o Chase called the number to confirm, I was not the one who they called as my phone was no longer working I was able to gain access to my cell phone by getting a new sim card at XXXX XXXX. I called Chase as soon as I noticed the money was missing and was told by XXXX that the money was still pending, I requested a stop be put on the transfer, by the time I was transferred to XXXX, I was informed that the money was gone. I have opened a fraud charge with Chase and am working with XXXX to get proof of the sim swap ( They have verbally verified that the sim cards were changed without authorization but don't have a process for providing proof ). Timeline : XX/XX/21 XXXX XXXX : sim card swap request was completed through XXXX. I lost signal at this point. ( {$5000.00} ) from my savings and ( {$9000.00} ) from my checking account through a wire transfer from Chase XXXX XXXX : I went to XXXX as I had not had service for 5 hours. I got a new sim card and service was restored at XXXX XXXX. XX/XX/21 XXXX XXXX : Noticed the transfers on my account because my card was declined when I tried to get gas XXXX XXXX : I called chase and drove to the Chase branch at XXXX. I was told to call XXXX Fraud department to begin the process. XXXX XXXX : I spoke with XXXX who informed me that the transfer was still pending, and that in order for the transfer to be completed someone would have to go to a Chase bank with my drivers license. Spoke with XXXX who told me the transfer was complete Was told that they called and did a voice verification She would send me the fraud packet and would place my account under review XXXX XXXX : filed a police report with Office XXXX # XXXX : XXXX XXXX XXXX : Called XXXX and spoke with XXXX who verified that There was a request at XXXX XXXX to switch my sim card There was a request at XXXX XXXX to switch my sim card again ( I initiated this switch at the XXXX store in XXXX XXXX ) XXXX will be escalating in order to provide me confirmation of the sim card switches by Monday XX/XX/21 Filed Reports and numbers : Police Report : XXXX Report Fraud.gov : XXXX Attorney General : XXXX XXXX : Pending Report from XXXX CFPB XXXX Credit Freeze and XXXX Reports File : XXXX XXXX XXXX XXXX XXXXI notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to advise about the fraud through Chase Bank. XXXX XXXX out an Identity Theft Affidavit with the Office of the Attorney General XXXX XXXX XXXX XXXX-sent email to XXXX XXXX at the Chase Bank branch in XXXX , IL to get an update on the investigation XXXX XXXX-I received a call from XXXX XXXX a representative from XXXX XXXX She stated that XXXX can provide a letter to describe what had happened with my sim card, that allowed the scammers to hack into my phone and log into my bank account through Chase. The scammers were even able to call Chase ON A RECORDED LINE in personating me and told Chase that they forgot the password used to log into my accounts. Chase had sent a code to verify to what they thought was me, but the scammers hacked my phone to pretend that it was me, verified ON A RECORDED line that it was me and hacked into my account. They managed to wire transfer {$14000.00} with out my consent. XXXX XXXX- received a call from Bank representative XXXX XXXX this morning @ XXXX updated me that the bank knows which bank my money was wired too ( without my authorization. Chase is waiting for that Bank to send the money bank. In order to get my money back and I was told it could take up to 90days. XXXX XXXX-Filed a compliant with Consumer Financial Protection Bureau . | ||||||
| 04/21/2020 | Yes |
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| Chase Bank commissioned a low-ball appraisal in order to file a frivolous complaint against me ( XXXX XXXX XXXX ) with the state of Michigan 's XXXX XXXX XXXX XXXX ( XXXX ), based on an appraisal I did on a home in XXXX, MI. Their XXXX intentionally used inferior and irrelevant comparable sales to justify their false claims against me, and that complaint immediately ruined my good name, reputation, XXXX XXXX career and income level. I was cleared of any and all wrongdoing by XXXX, but have suffered the effects of this complaint ever since. Chase blacklisted me prior to filing the complaint, and kept me blacklisted for two years after I was cleared by XXXX. Even though they stated I was removed from their " XXXX XXXX List '' and was eligible to do XXXX for them again, I never received another XXXX order from them. This prevented me from doing XXXX for every client I had that did work with Chase, and prevented me from obtaining new clients. It's not good for business when the largest bank in the country bans you from doing XXXX for them, as every mortgage company that does work for Chase was then obligated to also ban me from doing XXXX. In MIchigan, properties are taxed based on each property 's State Equalized Value ( SEV ). Each property 's SEV, detemined by their local assessor annually, represents 50 % of the value of that property. For example, a house with a value of {$100000.00} has an SEV of {$50000.00}. At the time of my appraisal, the subject 's SEV was {$76000.00}, indicating a market value of {$150000.00}, as determined by the city of XXXX 's XXXX Department. The subject had been recently extensively updated, but even though it had a listing price and pending offer of {$150000.00}, I appraised the home for {$120000.00}, as property values were declining at the time ( approximately 20 % that year per area sales studies by the local assessor ), and my three similar sales justified my valuation. The subject ended up selling for the exact valuation in my appraisal. A year after the sale, the subject went into foreclosure, and Chase commissioned another appraisal by an XXXX in their XXXX, FL office. That appraiser appraised the same home for {$60000.00} as of the date of its sale, by using 3 irrelevant sales, including a bank-owned home, a Land Contract sale of a vinyl-sided 2-bedroom home ( the subject has 3 bedrooms ) which was 44 % smaller than the subject and did not feature a basement like the subject did, and the sale of a home which was 19.5 % smaller than the subject, offered no significant updates, and featured a sales date older than the three sales I used in my appraisal. XXXX defines market value as " the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Two of Chase 's three sales conflict with that definition based on being bank-owned and Land Contract sales. My three sales comparables were all conventional sales, matched the subject 's valuable features of identical bedroom count ( 3 ), brick exteriors, basements, and similar living area, offering square footage within 1 - 12 % of the subject 's. All three of my comparable sales sold within 5 months of my XXXX date. Their appraisal 's valuation is the only one I have ever seen which came in lower than a property 's SEV. They were aware that property values were dropping, yet they obviously and erroneously targeted the subject 's SEV as its market value, with their valuation coming in 22 % lower than its SEV, and 61 % lower than the market value it was being taxed at, as determined by the local assessor. For an appraiser to develop a valuation lower than a property 's SEV, I doubt their appraiser is licensed in the state of Michigan, and would like Chase to reveal their appraiser 's identity and license number so that their license can be verified. Chase refuses to provide me the name of their appraiser, only stating that he or she works out of their office in XXXX, FL. | ||||||
| 03/31/2022 | Yes |
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| I had just shut down after a long day of XXXX and I stopped at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I ordered some food at a XXXX and I went back to rest XXXX XXXX XXXX. A couple of hours later, I got an alert on my phone saying I bought something at XXXX XXXX in a completely different town, as well as a XXXX XXXX ( which is insulting because I am a XXXX and I would never ever buy XXXX ) and other vendors. I frantically checked my Chase bank account and as it turns out, I had a bunch of mysterious charges on my bank. I must have lost my card and someone decided to steal it and buy a bunch of stuff. I was furious and also afraid, so I called my bank and I had to deactivate my card and order a new one. Because of this, that meant that I no longer had a way of purchasing things XXXX XXXX XXXX and I was far from home. But at least fortunately my bank acknowledged the fraudulent charges and gave me back all the money that was stolen as a result of those purchases. XXXX XXXX XXXX it can be very devastating to not only lose my card, but to have my card outright deactivated. I will have very limited means of purchasing anything XXXX XXXX XXXX XXXX and I won't be able to survive long without that XXXX XXXX XXXXXXXX XXXX. Fast forward to today, XX/XX/XXXX. I was mysteriously charged for XXXX. As a result, this caused me to be overdrawn. I looked at what was going on and as it turns out, I was being charged for what was stolen from me back in XXXX. I tried to call out of panic, and both attempts failed since when the robot lady connected me to a representative, I got a long silence and nobody actually talked. The result was the same the second time I tried to call Chase. I visited my nearest bank XXXX XXXX XXXX XXXX and I spoke to a representative who was more than happy to help me. He said it was peculiar how I was being charged what was stolen from me originally, and he had to call the fraud department. Eventually, he handed the phone to me and the lady on the other end gave me lots of word salad which ultimately translated into her saying that she couldn't do anything for me. She said that the investigation team for Chase found it suspicious that I had made purchases earlier in the day in close proximity to the fraudulent charges and undid my fraud refund. So in order for fraud to be a real story, I would have to plan for fraud to happen to me so I would have to avoid purchasing anything in that time and location before I get my card stolen. And the thief eventually went out of the town and proceeded to make more purchases anyway, in a town completely XXXX XXXX XXXX XXXX XXXX Here 's what's even more shocking and extremely unprofessional from the Fraud lady : I asked her this question : " What you're trying to tell me is that I am going to just have to accept the punishment of losing my money to the XXXX and essentially I will have to pay for the thief anyway? '' She replied : " Yes. '' The NERVE XXXX XXXX of this lady to just straight up tell me that I had to accept this punishment. Even after most especially I mentioned that I was a XXXX and that I would never ever put a single XXXX into XXXX XXXX. So basically, I lost {$280.00} and Chase will side with both thieves and big corporations. They do not care about me, but they will gladly help thieves and big corporations steal from me. I am an honest individual and I make my money honestly. I would never under any circumstance deactivate my card in an attempt to get a quick buck, most especially when I am half way across the country nowhere near my home with no means of any other purchasing power. Losing my card willingly would be the end of me and a most foolish move and I would never ever do that. The purchases that the thief made ( and which I have subsequently disputed ) are as follows : XXXX XXXX # XXXX XXXX XXXX XXXXXX/XX/11 CLAIMID : XXXX ATM transaction - {$180.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$35.00} XXXX XXXX XXXX XXXX XX/XX/11 CLAIMID : XXXX ATM transaction - {$8.00} | ||||||
| 09/03/2021 | Yes |
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| On Friday XX/XX/XXXX, I attempted to get a cashier 's check with with to pay my security deposit and first month 's rent, after which time I would close my account from the Chase Bank branch in XXXX XXXX XXXX XXXX and XXXX. I found the teller to be massively unprepared for her job and rude. This is of course not your concern. What happened was, after I failed to conclude my business on Friday - any of it - I was told that my accounts had been locked because the teller had sent a timed SMS to a phone I told her I did not have, and it expired, thereby locking me out of my account, at close of business Friday. The branch manager swore she was unable to do anything about this, that my account was totally locked out and that no one could do anything. But that there was a nearby branch that would be open on Saturday. When I arrived on Saturday I was told my account had been closed. I told the people at this branch that I had an account that was *locked* and that I was told there was nothing that could be done to it because of the lock. That it was open and had around {$5000.00} in it at the time of the lock. I asked where my money had gone and they had no idea - " perhaps it was dispatched to your address as a cashier 's check ''. They of course couldn't guarantee this or whether my account was debited for the check that may or may not have been sent. Sunday then passed with no ability to pursue the matter further, except to worry about where my money had gone. I arrived to the first branch on Monday to find that they had closed my account, without my knowledge and against my plainly expressed wishes, and contradictory to what I had been told they had done or would have been able to do. I was offered no apology, and when I expressed my outrage a gentleman who worked for the bank approached me and implied that things would get physical if I didn't leave. I stayed until I was issued a cashier 's check for the amount I'd originally wanted - a check I'd promised my landlord and roommates would be delivered on Friday afternoon and was only receiving three days later - and the balance of my accounts. I eventually got the check I was seeking, but my accounts were closed without my knowledge, the data was not tracked - other branches had no information as to when how or why to give me - and my life was severely disrupted. I've tried to escalate this within Chase, but have twice now been told they are treating my complaint as a 'racial bias complaint '. To be clear I am not and never have complained to anyone at chase about my treatment racially. I even called the Chase Executive officer specifically to tell them that among everything else, I at least did not feel profiled or treated badly for any XXXX reason. It was simple compounding incompetence and a complete lack of respect or responsibility for someone else 's money. I do believe that the branch which I had this issue at, which raised this issue to corporate before I was able to, have deliberately misclassified the nature of my complaint so as to short-circuit any accountability. As I have been contacted by chase since correcting them, and been told they are still pursuing this as a XXXX bias complaint, I have no other earthly idea why this would not have been fixed other than the local branch insisting the problem is something that it is not. They will certainly not find evidence of XXXX bias in how I was treated, and then I suppose that clears the decks and everyone is ok. Anyway, to the extent that this amounts to anything you can work with, I hope that steps are taken that this does not happen to anyone else. Close to {$5000.00} of my money disappeared without a trace - specifically after I was told by a branch manager that the money was 'locked down ', and for three days I was left totally in the dark about when how or if I would ever see that money again. My housing situation was thrown totally into the air within two weeks of my move in date. I still to this day do not know why or even how they closed my account but I strongly feel this is not being taken seriously by the Chase higher ups. | ||||||
| 08/31/2017 | Yes |
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| I have two credit card with CHase ; one is my Chase Sapphire Card, and the other is my Chase Ink Card. Beginning, XX/XX/XXXX, I noticed that my XXXX purchases stopped receiving the advertised bonus of XXXX points for dollar, as it was continuously advertised on their shopping portal. After noticing this for almost a month, I called the customer service representative on XX/XX/XXXX, and she reviewed my account and agreed that the points were not getting added appropriately. Together, on the phone, we reviewed the advertised rate on the portal of XXXX points per dollar. She notated the information on the account, and let me know that some other team member will review and follow-up with this. Few days later, after not hearing back from anyone, I took a screen-shot of the computer screen advertising the XXXX points per dollar on XX/XX/XXXX. Please see the attached document with my computers date and time stamp showing in the bottom right corner. That same evening, on XX/XX/XXXX, I received a call from a chase representative at XXXX XXXX, letting me know that the team is aware of this issue, and I will be granted the points that are due to me, but that there is a issue with their back end, and they are looking to resolve this. I will also receive two letters in the mail, letting me know of the points that will be granted to me. Few days later, I received two letters in the mail, asking me for additional information, and sending a message through my chase account. No resolution was offered in those letters. On XX/XX/XXXX, I emailed from my Chase Account explaining of the issue with the mis-represented points for XXXX, and the points that were actually awarded to me. Since then, I have sent 5 additional messages through their chase email system, sent messages to their XXXX team, spoke several times on the phone, and the issue is has not been addressed to my satisfaction. Chase granted me adjustment of XXXX points. No calculation was provided how this number was calculated. After sharing the screenshot of advertised date, the only information I was provided was that, they have granted me points from the date of the screenshot to XX/XX/XXXX. Chase representatives, at one point told me, that I was using coupon codes, which is incorrect, and requested that I send receipts. This would amount to 37 receipts for my Chase Sapphire account, and 27 receipts for my Chase Ink Card. I asked the representative that this is too cumbersome task, for them to get in touch with XXXX to confirm, that no coupon codes were applied. NO response was provided to that request. The next representative informed me that the Chase promotion for XXXX points began on XX/XX/XXXX ; and when I shared the screen shot of advertised rate on XX/XX/XXXX ; they granted me the points beginning that date, however, the missing points should have been granted beginning XX/XX/XXXX for my Chase Reserve and XX/XX/XXXX for my Chase Ink card. Every time, as a customer I made a purchase, I verified the rate of XXXX points per dollar through the chase portal. The offer has never changed, which is why I continued to use Chase. The information that the Chase team has provided has conflicted on several occasions. It appears that the reward rate was mis-advertised, and it lead me to spend {$1700.00} $ on Chase Ink during this period, and {$4900.00} on my Chase Sapphire. The total bonus points awarded were only XXXX and XXXX at a rate of XXXX point per dollar, therefore missing the remainder XXXX points per dollar, equivalent of XXXX points. Please see the attached spreadsheet that has the calculation shown for both the credit cards with the purchase dates, amount, and points awarded. I have several credit card options for my purchases, and given that Chase has not held its promise of delivering XXXX points per dollar, it has lead me to lose significant rewards value of at least 250 $ if I had made purchases using other credit cards. If the XXXX promotion expired for Chase, which is not true, chase needs to provide documentation showing how the advertised rate changed for its customers. | ||||||
| 07/27/2022 | Yes |
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Web | Servicemember |
| I was trying to buy a car online from XXXX XXXX XXXX on XX/XX/XXXX. I saw a vehicle that I was interested in purchasing and after speaking with some associates at XXXX XXXX XXXX they assured me that they could acquire the vehicle. One associate by the name of XXXX or proceeded to tell me that we have already talked to the insurance company that has the car and they are willing to let you have it for {$5000.00} and I wasnt convinced right away so he kept on getting off the phone and coming back and assuring me that this car was mine and all I have to do is wire this {$5000.00} and this car would be mine. I was told by XXXX to register online first with {$1000.00}. When I sent my monies on XX/XX/XXXX and started to call back is when I was given the run around, I had to keep calling throughout the day and asking what day will they be sending my car. So XXXX went on to say that in order to get the car I would have to have it delivered and I said oh you never mentioned that, I was told that I could come and pick it up wherever it was, XXXX went on to say dont worry about it we will wave all the fees so that the car can be delivered to you. The next day I kept calling about the car XXXX said that he had to send one of his mechanics to go and check out the car and that he would get back to me. When I finally got in touch with him again XXXX said that the insurance company is not wanting to sale the car for that price and I began to tell him about what he said to me about the price of the car and that he said they already agreed on that price, XXXX says to me well the mechanic said that the engine was making a noise and I wouldnt want to send you a car with something wrong with it, even though his contract says as is! I felt that the company XXXX XXXX XXXX XXXX ) was scamming me. He begin to try and send me more cars and said that were not sure if youre going to get them you will have to bid on them and I said oh you never mentioned bidding in any of our conversations until now. I kept an open mind until I kept calling and calling and callingat first he would avoid me by letting others answer the phone and say hes in a meeting or hes not there. After a while they just decided to stop answering the phone. He started texting me and I would text back and still no results so I asked for a refund. Im asking for my refund I did also ask if he was going to send me all of my monies and he replied yes. XXXX XXXX Auctions sent me a check in the amount of {$3200.00} and my original amount was {$6000.00}. I sent them back the check because it wasnt the correct amount, XXXX and the person ( if not one in the same ) that sent me the letter along with the check, also said that I received my {$1000.00} that I paid online back as well. They had the check stamped that said if I cash this check everything was paid in full and etc. I wrote several letters online and sent physical letters to the company to try and get a full refund. I even continued to try and work with them and still no results. I finally called my bank ( Chase ) on approximately XX/XX/XXXX and they gave me a temporary credit of {$1000.00} because that was done with my credit card the other {$5000.00} they said I would have to go to the actual bank and get them to credit my account. I went to my bank ( chase ) on XX/XX/XXXX and spoke with the bank Branch Manager and she assigned one of the bankers to help me and in doing so he said he couldnt retrieve the money for me and again the Branch Manager came over and said that they couldnt help me get my monies back. So I went to another Chase approximately a week later and they ( Chase ) went a little further and called the company XXXX XXXX XXXX XXXX ) and had XXXX on the line and the Bank Manager put me on the phone so that I could talk to him in front of her and she even saw flaws in the answers that didnt make sense even to her. This Bank Manager at this Chase also told me that it was nothing they could do even though we can see their account and everything. And of course the {$1000.00} that was temporarily credited to my account was taken back. Please Help!!! | ||||||
| 03/21/2023 | Yes |
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| On Saturday, XX/XX/XXXX around XXXXXXXX XXXX I received a phone call that came up on my cell phone as " XXXX '' from phone number : XXXX. I answered the call b/c it did not come up as " potential spam. '' I recognized the name of the utility company in XXXX XXXX, where I used to live. I anticipated it was about a bill and that I would be able to tell them, I don't live in XXXX XXXX anymore. As I suspected, it was about a utility bill. The person on the phone told me my electric would be turned off if I didn't make a payment. I told them that I don't live in XXXX XXXX anymore, they told me they owned my current utility company in CA. I was confused but I took it to be true, they said they needed a payment or the electric would be turned off. I told them I would have received notices about this. They said they sent them. I told them I had it on auto pay. They said that the auto pay didn't go through. I recalled my spouse having an issue with auto pay set up so I thought it had something to do with that. I attempted to get my spouse on the phone but was unable to. I was leaving to go on vacation the following day and couldn't have my kids not have power while I was gone. In a fluster, I told the person over the phone that I would pay the money, approx {$210.00}. They took my debit card and then said it didn't go through b/c it's a Saturday and they had a technician in the area disconnecting my power right now, it had to be paid w/ XXXX or XXXX XXXX. They put me on the phone w/ a supervisor named " XXXX XXXX XXXX so called badge number " XXXX ''. He said to type in " XXXX '' code into XXXX, he said it was not a phone number. I told him I didn't think seemed legit. He said he could lose his job if it's not legit, he assured me that was his managers information " XXXX XXXX ''. And in fact when I added the number to XXXX XXXX XXXX the name " XXXX '' came up. Again, very flustered I started to set up a XXXX payment. It went through as " pending '' he said he can not accept a pending payment. While I was doing this, I scrolled through weeks of transactions in my account and saw my electric bill was paid on XXXX! I said this to him, and he apologized saying he made a mistake I never had to pay a bill and he told me to type in " override codes '' into the dollar amount to make the last transaction obsolete. He said to type in " XXXX '' and in to the memo section write " this is not a payment this is an override code ''. I trusted him thinking that if this was a scam of some kind that my bank or anyone could see this was not a payment and not intended as a payment. Of course I saw {$770.00} come out of my account instantly and I flipped out. He hung up on my and I called Chase immediately to complain about this. I was informed by the recovery/ fraud department that there's nothing they can do, that XXXX is for friends and family only, and that b/c it's an instant payment they can not reverse it! I was appalled! They said bc I authorized it, they couldn't do anything. I told them authorization by fraud isn't authorization and especially the second amount of {$770.00} they could see it wasn't intended to be a money transfer. They said they were sorry but can't do anything. Every other product a bank offers has some kind of consumer protection on it, charges could always be disputed, especially if there was fraud. But apparently with XXXX that's not the case, there is no consumer protection that the bank has. I escalated the matter and completed a complaint with Chase that they said would take 10 days to review but not to expect anything b/c they don't cover XXXX problems. I lost {$210.00} plus {$770.00} from my checking account via a scam and Chase won't do anything to help me. I would like Chase to put these funds into my account, especially the {$770.00} because that was an authorized dollar amount by me and they could see that in the memo section. I never thought or intended to send this amount of money to anyone. I spent 4 hours on XX/XX/XXXX talking with Chase about this matter and didn't get any real resolution. I also filed a complaint with the FBI. | ||||||
| 10/30/2020 | Yes |
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| This is a complaint about Chase and Chase Bank. I have been a customer of Chase for over 6 years, holding multiple Chase Credit Cards in that time. I opened a Chase Bank Online Checking account on or about XX/XX/XXXX of this year, my first deposit account with the company. The Chase Bank account in my name has always held a positive balance, and currently holds about {$1500.00}. Recently, I became aware of a feature advertised by Chase Bank called XXXX, whereby a banking customer can provide additional information to sign up for " instant peer to peer transfers '' to other banking customers. About 3 days ago, on XX/XX/XXXX, I was in need of an instant transfer from my Chase Bank XXXX account. I provided the necessary information and attempted to pay {$260.00} from said account using the XXXX portal on the Chase website. Everything seemed fine, but the money was not deducted from my balance. Upon checking my transaction history, I saw the {$260.00} payment was " pending review ''. Approximately 6 hours later I received an email stating that I should log in to my account to review a new secure message. Upon visiting the chase.com website and logging in, a message informed me that my account was locked. Upon providing the requested information to unlock my account, a message informed me that I must call to unlock my account. Upon calling the phone number provided, I was transferred a total of 3 times and put on hold in excess of 30 minutes before I disconnected the call. I called the number again today, and was transferred 4 times, speaking with various specialists, until 1 hour and 11 minutes into the call when the specialist told me I would have to visit the nearest Chase branch to have my identity verified. This was supposedly due to a discrepancy in the drivers license number they have on file. The nearest Chase branch is 147 miles away in a different state. I find it absurd that I should be required to drive 150 miles as an initial step toward regaining online access ; that my online Credit Card access has been locked out as well, that their emails direct me to login to review my account despite that login access being revoked ; that I can't reply to their emails ; that providing all necessary verification information outside of a matching state ID ( including all information on the physical debit card, the debit card PIN number, all my identity info such as SSN and DOB, and answering a verification phone call placed by Chase to my number on file with Chase ) isn't sufficient to verify my identity to any ends whatsoever ; that I should be on a call for over an hour to learn this information ; and that using a feature on Chase 's website would prompt them to lock my accounts in the first place. The company behind the XXXX feature directs all customer inquiries to the integrating Bank. The Chase Credit Card support line directs me back to the Chase Banking support line. I inquired as to how I would be expected to pay my Credit Card bill without online access and I was told that I can still use my card without online account access. I even requested to close the affected account but that led me to another specialist who directed me, again, to visit a Chase Bank branch. In addition to how dumbfounded I am that Chase could operate this way, I take issue with that fact that, as a Credit Card company providing me with online-only statements, they could proceed to lock me out of access to those statements, yet invite me to continue using the cards. It is wrong for them to lock the access to all accounts instead of the funds of the affected account. The online access is in fact the preferred way to be in contact with them ; I have received 2 emails that have said so much. The support team for their Credit Cards has mountains of information on me that could be used to verify my identity, yet that information is not permissible to regain access. What was advertised as an instant way to send money has turned into a 3-day ordeal that has unilaterally disassociated me from all my Chase accounts while offering no reasonable means of regaining access. | ||||||
| 09/20/2022 | Yes |
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Web | Older American |
| We just opened new bank accounts with Chase on XX/XX/2022. While using their " XXXX XXXX '' system, On XX/XX/XXXX I made an error by instructing the Chase bank to mail a check for the amount of {$440.00} to my XXXX XXXX XXXX for his last two months of Yard work service. Not realizing, I already paid him on XX/XX/XXXX from my XXXX XXXX account. On XX/XX/XXXX, I tried to CANCEL the payment, but I noticed my account was already DEBITED for {$440.00} immediately before even the check was sent out or presented by the payee to the bank. Since we were new customers and unfamiliar with theXXXX XXXX XXXX XXXX, We COULD NOT find any provisions on their XXXX XXXX Website to STOP or Cancel the check the next day, XX/XX/2022 for a check that was not even issued yet, but Chase Debited my account immediately on XX/XX/2022. I called customer service and they told me unlike other banks such as XXXX XXXXXXXX XXXX or XXXX XXXX Chase XXXX XXXX will debit your account immediately and then they send a check to the recipient. They said I should go to the opening branch and the Lady who opened my accounts at their XXXX XXXX, CA branch in XXXX XXXX so that she can help. On the morning of XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX XXXX and spoke with XXXX XXXX, the lady that initially opened these accounts and explained the situation, and asked her to put STOP on the check payment. She then checked my accounts on her bank computer and verified that the {$440.00} check to my XXXX was not delivered and was not Issued and was not presented by the Payee to be cashed. She then made a phone call to CHASE customer service and requested a STOP PAYMENT on this check for the amount of {$440.00} payable to XXXX XXXX account ending XXXX. They also confirmed to her that the check was not delivered to the recipient but was not presented by the payee to be cashed. She then called her head office and placed STOP PAYMENT on this check and gave me a written DOCUMENT as a PROOF and EVIDENCE that they placed STOP payment on the {$440.00} check that was issued. This is the morning of XX/XX/XXXX. On XX/XX/XXXX, Chase Customer service at their head /regional office issued another document that was sent by mail which I received on XX/XX/XXXX, clearly stating : UPDATE : WE PLACED THE STOP PAYMENT YOU REQUESTED. dated XX/XX/XXXX and was sent by customer service address XXXX XXXX XXXX, XXXX OH XXXX. It also says the Effective date of stop payment : is XX/XX/2022, Dollar amount {$440.00}, Payee name : XXXX XXXX. it also says if you have questions, please call XXXX. At this time, the bank had NO AUTHORITY to debit my account and pay from my account. because I revoked this authority by placing the STOP PAYMENt at their own branch with their own staff. Instead, they delivered the check for {$440.00} to the XXXX on XX/XX/XXXX and it was cashed on XX/XX/XXXX!! They never refunded my {$440.00} that they debited on XX/XX/XXXX despite the STOP PAYMENT on XX/XX/XXXX and admission of their branch staff including the branch manager who admitted there was an error from their head office. The branch manager called me to say that he has referred it to his escalation team and they will call me back. They did and I told them that the payment of {$440.00} was not authorized by me because there was a valid STOP PAYMENT on it. They said, that they get back to me to escalate higher. Then On XX/XX/2022, I received a letter from the CHASE customer Claims Department dated XX/XX/XXXX, stating claim number XXXX date of inquiry XX/XX/2022 stating that " AS we discussed and AGREED!! no action will be taken '' and also saying " This inquiry is now resolved!! " That was a real nail on the coffin of their error by making an unauthorized payment. The letter states if you have any questions, please call- XXXX XXXX XXXX. Furthermore, I have written to their head office on XX/XX/XXXX mailed to CHASE, Mail Code XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX and sent a copy of it to their branch manager at XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX I want a full refund of my money with a formal apology letter from Chase bank. | ||||||
| 09/28/2023 | Yes |
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Web | Servicemember |
| I'm hoping you'll be able to help me. I have reached out to Chase, for it seems over a year back and forth and they still need to resolve the issues. I believe they have violated the allowable time to handle and fix these issues and violated many rules and regulations about these accounts. I have asked numerous times for them to get these fully handled and they either pass me off to someone else after advising one person will handle the case or stop replying altogether. I'm on permanent XXXX, causing a great upset and it has been ongoing. I can not speak on the phone and advise them of this, yet they are still making calls repeatedly to multiple numbers. I believe this was to stop months and months ago when I NOTIFED THEM OF THE ERRORS. THESE TWO ACCOUNTS SHOULD BE WIPED CLEAN AND CLOSED AND NOT BE ASSOCIATED WITH US, BUT THEY ARE STILL. I HAVE HAD THE ONE VALID ACCOUNT CONTINUALLY PLAGUED WITH FRAUD EACH TIME THEY SENT A NEW CARD, AND I NOTIFIED THEM RIGHT AWAY. I continue receiving calls after filing a complaint over a year ago. You have continually allowed multiple accounts to open and be used. We continue to let you know that this needs to be corrected. We have letters and correspondence confirming that you resolved this just to add the fraud charges to my account. These accounts with the balances you have reflected currently need to be corrected. These balances do not belong to us, and these charges were all fraudulent over and over from transfers to opening and re-occurring fraudulent charges. 1 ) I ( XXXX XXXX ) sent the below email a week ago thinking my account was handled as at that time it was. I then got a message the case was closed, but I was responsible for a balance transfer, and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges including balance transfer are my responsibility. This was already over, and you cleared it, but now you have added it back. I have your letter stating this is not my responsibility and would be corrected with all the credit bureaus, but that still needs to be done. The balance transfer needs to be removed this is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and permanent XXXX documents under the care, and I was incapacitated then. I had no way for this to occur and this was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. Account ending in XXXX, now updated to ending in XXXX. 2 ) I ( XXXX XXXX ) Have sent several emails and contacts through the Consumer Protection Bureau, but I think you still need to correct the account. I got a letter from you stating I'm not responsible for the account and balance and that you would be issuing the update to the credit bureaus. You still are calling me, harassing me, and have not corrected the account, closed the account and issued the credits due to me. We have sent the hospital and XXXX paperwork for this account. These were opened somehow from the above account being opened, and we kept paying, thinking it was the above account we originally opened. Account ending in XXXX. 3 ) We have followed all the rules for assistance with the account and getting this corrected. Several areas have not been following through on your end and violated many XXXX act protections. Is this once and for all corrected and cleared in FULL for both of us? Additionally, I received a text message days ago there was fraud on my account again, and a new card is being sent. We are very leery about having any of these accounts open with all the fraud that has and continues to occur. I will leave the one new one for now, but hold off from any transactions until we hear this is fully cleared. Sincerely, XXXX XXXX and XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX Subject : Re : Fraud Violations Account Ending in XXXX XXXX NOW XXXX | ||||||
| 04/22/2023 | Yes |
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| I am writing to formally dispute two hard inquiries on my credit report by Chase Bank and address concerns about false advertising. It has come to my attention that my credit was checked twice by Chase. I believe this to be an error on their part, as they took an excessive amount of time processing my application and had inaccurate information in their system. During a recent visit to a local Chase Bank branch, I spoke with a manager about the incorrect information on my consumer profile from Chase Bank. The manager specified to me that this was an ongoing issue and shared with me that she had the same experience about the same issue and attributed it to an outdated system that had not been updated correctly with the new processing system from Amazon and JpMorgan Chase Bank partnership. This conversation further supports my concerns about the accuracy of the information on my credit report and the unauthorized inquiries. Additionally, I was led to believe that I had been pre-approved for the credit card and received a special invitation to apply. This turned out to be false advertising, as my application was subjected to multiple hard inquiries, which have negatively impacted my credit score. The false advertising and marketing practices regarding the credit card application may be in violation of the Truth in Lending Act ( TILA ), which requires clear and accurate disclosures of terms and costs associated with credit products. I kindly request that you investigate this matter and provide an explanation for the misleading marketing and its impact on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. My understanding is that multiple hard inquiries within a short timeframe for the same type of credit product should be treated as a single inquiry or completely removed based on inaccurate information they have in their system. The two inquiries in question were performed on XX/XX/XXXX and XX/XX/XXXX by JPMorgan Chase Bank. I have not authorized any additional credit inquiries from Chase Bank or any other financial institution during this period. In addition please note I spoke with XXXX several times and they have clarified over and over again that I do not have any information on my credit profile named Amazon prime credit card. Most importantly I am a previous victim of identity theft. This deepens my concern that there may be inaccurate information that I do not recognize on my credit profile with chase bank. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. I believe the duplicate inquiry may not have been conducted with a permissible purpose. Additionally, the FCRA ( 15 U.S.C. 1681s-2 ) places certain duties on furnishers of information, such as Chase Bank , to investigate consumer disputes and report accurate information. I kindly request that you investigate this matter and, if necessary, contact the credit bureaus to correct any inaccurate information on my credit report. As these two inquiries negatively impact my credit score, I kindly request that you investigate this matter and remove these hard inquiries from my credit report. I have enclosed a copy of my credit report highlighting the unauthorized inquiries for your reference. Please find below my personal identification information to assist in the investigation : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Reference Number XXXX I appreciate your prompt attention to this matter and expect a response within the 30-day time frame established by the Fair Credit Reporting Act ( FCRA ). Thank you for your assistance in resolving this issue. | ||||||
| 01/15/2020 | Yes |
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| I learned about XXXX XXXX XXXX through XXXX radio station. I made an appointment with Dr. XXXX ( XXXX XXXX ) by XXXX on XX/XX/XXXX, I went to the clinic to see the doctor on XX/XX/XXXX. On XX/XX/XXXX, I arrived in XXXX XXXX XXXX around XXXX, after check in, she took me into the office. She said, she need to felt my pulse. Then she told me that my palace XXXX caused my XXXX XXXX to XXXX, XXXX XXXXXXXX. And if not treated can cause XXXX XXXX and other diseases. And She said that many of her patients have improved very well after treatment. After listening, I accepted her advice and started all of XXXX treatment. Here is all my expenses. XXXX treatment {$1000.00} XXXX treatment {$300.00} XXXX XXXX {$200.00} XXXX XXXX {$490.00} XXXX XXXX medicine {$200.00} On XX/XX/XXXX, Paid deposit {$200.00} cash. And paid {$30.00} by XXXX ' credit card for my first visit fee. On XX/XX/XXXX, Paid {$1600.00} by chase bank credit card and $ XXXXcash On XX/XX/XXXX, Paid {$200.00} by XXXX XXXX Credit Card The XXXX treatment and XXXX XXXXXXXX, there is no effect at all. And the Dr. XXXX ( XXXX XXXX ) promised that XXXX could help fix my XXXX of XXXX and improve the problem of XXXX. But It made my XXXX less than before. During this XXXX, I asked them why my XXXX less than before. The therapist responded that most people have improved. I said this XXXX did not improve at all. They answer me that it will be effective slowly. But I still need to go to ask Doctor XXXX this reason. In this way, I have done XXXX about 2 months ( 14 times ). ( P.S After several treatments, if your XXXX did not change.then they asked the patient to go back to rest. Rest about 2 weeks and then continue the follow up treatment. ) I called them and tell them about my XXXX situation of this two month. They told me, Since XX/XX/XXXX, the doctor has not come to her clinic. The reason is that she has a problem with her XXXX. When Dr XXXX response them, they will let me know. I have been waiting for Dr. XXXX XXXX to recover and back to the clinic and ask her why makes my XXXX less and less after treatment. But there no any response until XX/XX/XXXX. I asked them to send a message, finally get a response on XX/XX/XXXX. They said , Dr XXXX still hasn't response. they will ask their manager then will let me know. After two weeks, I got a response message form them.They said, their manager has my file.It 's being process.They will give me a call as soon as it's ready for pick up. I asked them my XXXX problem again, but no any answer. Until I saw the XXXX XXXX XXXX XXXX XXXX. In fact , Dr XXXX ( XXXX XXXX ) has been arrested. Dr.XXXX claimed to be a XXXX physician but did not have a XXXX license.Then i understand that's why my body got weaker and my XXXX after XXXX was less than before. I realized that I was cheated by an unlicensed doctor. The XXXX results are not as good as the one promised. I don't trust their any excuses and I request them full refund to me. 2 weeks later, they said the cost of XXXX will not be refunded because I'm almost done. They just can refund me the weight loss fee {$500.00} check. Also, I send them the XXXX XXXX XXXX XXXX XXXX. They no any response.I called them many times, no response from them. I ignored their rudeness and concealing facts. Dr. XXXX is in prison now, I can't find her.I don't have any idea. I felt very very unhappy, I not only spent a lot of money, the body got weaker and my XXXX after XXXX was less than before. So I just disputed Chase 's credit card charges {$1600.00} on XX/XX/2019. And choose the reason because I did not receive the agreed product / service and I provided to the Chase 's credit card company why I need to dispute reason. They charged back to me on XXXX XXXX ( the letter said, we reviewed the information available and found that you either received the services or the merchant made them available for your use ). If I did't use, how i can know XXXX and fix XXXX of XXXX are not improve at all. I called the Chase ' credit card service and asked them why rebill, they say they can't solve my problem. | ||||||
| 10/21/2022 | Yes |
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| Chase Bank has wrongfully forced my mortgage into escrow and failed to refund the {$1100.00} it took from my account. Chase has withdrawn, or plans to withdraw, 60 % to 300 % increases to my mortgage payment. I demand that the bank return the money owed to me from the wrongfully forced escrow and stop charging me for money that I do not owe under this mortgage. BACKGROUND On or about XX/XX/2021, I executed a fixed-rate loan for {$1100.00} monthly. Exhibit A. No escrow was authorized. Exhibit A. The closing disclosure states that the amount can not increase after closing. My loan was subsequently sold to Chase. I enrolled in autopay for the mortgage so that the {$1100.00} payment would be automatically drafted from my account. WRONGFULLY FORCED ESCROW Chase withdrew {$1700.00} from my account on XX/XX/XXXX. This is a 66 % increase in my monthly payment. When I called Chase on XX/XX/XXXX, an agent claimed the increase was due to a forced escrow. Chase had apparently not received updated homeowners insurance. But the bank also failed to request updated insurance information from me after the loan was sold to them. INSURANCE ACCEPTED WITHOUT LAPSE IN COVERAGE On XX/XX/XXXX, I sent in proof of insurance to Chase. Exhibit B. Chase accepted it during a phone call. Exhibit C. The home had no lapse in coverage. During that phone call, Chase said that it would refund the money that was automatically taken from my account. The agent claimed it would take about a week. I asked whether the notice that I received on XX/XX/XXXX stating that Chase would withdraw {$1700.00} was accurate. They said no, they would not draft that amount, instead, it would be the {$1100.00} amount that did not include the forced escrow. WITHDRAWALS FOR ESCROW CONTINUE On XX/XX/XXXX, {$1700.00} was wrongfully taken from my account. The amount included the {$590.00} in extra payments that Chase knew it wasnt entitled to. I called again. Chases agent again represented that Chase would refund the now {$1100.00} wrongfully removed from my account. But they also said that during the original phone call in XXXX, someone at Chase had dated the close of the escrow as XX/XX/XXXX. The agent did not understand the reason for the delay. But they claimed their hands were tied. They would continue to draft that {$1700.00} from my account in XXXX. They were not authorized to stop the draft for that amount, but a supervisor may have that authority. AUTOMATIC PAYMENTS CANCELLED DUE TO CONTINUED DRAFTS FOR UNAUTHORIZED ESCROW A supervisor, XXXX, said that she would cancel my automatic payments with Chase so that the XXXX escrow would not be drafted from my account. Instead, she suggested that I authorize payment of the {$1100.00} over the phone so that the mortgage would remain current. She later called requesting to close the complaint since it would be over by XX/XX/XXXX. I told her no, not until the money is refunded and the payments are for the agreed-to {$1100.00} monthly. CHASES XXXX MONTHLY STATEMENT IS XXXX TIMES THE AUTHORIZED AMOUNT On XX/XX/XXXX, I received a notice from Chase that I must pay {$3500.00} on XX/XX/XXXX for my monthly mortgage payment. Exhibit D. My mortgage is supposed to be only {$1100.00} per month. This is more than a 300 % increase in the amount of the payment for my home. On XX/XX/XXXX, I called Chase. A representative from Chase said that they realize I do not owe {$3500.00} for a monthly payment, but that its system sometimes makes strange invoices in situations like these. They assured me that I did not owe that money. But that was the same assurance made before when they drafted more than agreed to. REFUND NOT ISSUED MORE THAN 60 DAYS LATER I have not received a refund of the {$1100.00} taken from my account for this improperly forced escrow. These withdrawals started on XX/XX/XXXX, which is 64 days ago. On the phone, Chase agents concede that its actions were wrong and harmful. But Chases written notices are inconsistent with the phone calls. The notice that I owe more than XXXX times my monthly payment is a knowingly false misrepresentation. | ||||||
| 08/22/2017 | Yes |
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Web | Older American |
| XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs Chase Bank In XXXX of XXXX I completed an application for assistance through the XXXX XXXX XXXX XXXX program. It was completed and approved on or around XXXX XXXX XXXX and on XXXX XXXX I received the following information from my Indiana Program Coordinator/Foreclosure Prevention Counselor XXXX XXXX. XXXX administration confirmed that the first XXXX payment went out to Chase on your behalf on XXXX/XXXX/XXXX and in the amount of {$6700.00}. This was the 'Reinstatement ' payment on your mortgage. It included all past due payments, late fees, escrow shortages, etc., as well as your XXXX monthly mortgage payment. These figures were confirmed between Chase and the XXXX XXXX XXXX XXXX program administration, as well as your account number for payment transfer purposes. I also received an email message from Chase as follows below : -- -- -Original Message -- -- - From : Chase XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Wednesday, XXXX XXXX, XXXX XXXX AM To : XXXXXXXXXXXX Subject : Your Home Equity Payment Alert From Chase This is an Alert to help manage your account ending in XXXX. We have not received your payment of XXXX $ USD ) {$180.00}. For details or to make a payment, log on to XXXX. I contacted the Indiana Program Coordinator/Foreclosure Prevention Counselor, XXXX XXXX to inform him of this new development. The additional amount was paid to Chase on XXXX XXXX XXXX. According to the statement from the XXXX administration the initial payment was for {$6700.00}. This was the 'Reinstatement ' payment on my mortgage. It included all past due payments, late fees, escrow shortages, etc., as well as my XXXX monthly mortgage payment. I have attached a copy of my payment history. It indicates that on XXXX/XXXX/XXXX a total payment was received of {$5800.00}. A distribution was made and {$2800.00} was applied to my principal, {$1500.00} was applied to Interest, and {$950.00} was applied to my escrow account. According to the payment history the total amount distributed was {$5300.00} a difference of {$490.00} however ; the total amount they had received was {$6700.00}. None of these numbers were jiving. So I contacted them and they sent me a payment history with no explanation. After this the payments were paid each month for several months with no complications however ; the payments being made by the XXXX XXXX XXXX XXXX program were not always applied as the statement from Chase Bank advised it was to be applied. Because of their repeated inconsistencies of applying the payment properly I have requested an internal audit of my account on several occasions to no avail. All they would ever do is to send me a copy of my payment history. In XXXX XXXX the last scheduled payment was paid by the XXXX XXXX XXXX XXXX program and in XXXX XXXX I started making the payments again. It has been a nightmare with the payments being applied incorrectly every month since I started making the payment on my own. I have asked that this be rectified and my account be brought up to date however ; it only seems to get worse. On XXXX XXXX I made my monthly payment and once again it was applied incorrectly. I contacted them and was told that they would fix the mistake however instead of fixing the mistake they made it worse. They indicated that I had not even made my XXXX payment and I owed an additional amount on top of my regular payment. I recently received a late payment notices in the mail even though I am not behind on my payments. I have continued to make timely payments however ; today I received a response from them saying that I am still behind on my monthly payment I am attaching a copy of the funding schedule from the XXXX XXXX XXXX XXXX program along with a payment history from Chase Bank. If you look closely at the statements you will see several inconsistencies. If requested I can supply the statements I received from Chase Bank during this period showing the difference between the way payments were supposed to be applied versus the way they actually were applied according to my payment history. Thanks, XXXX XXXX XXXX | ||||||
| 08/24/2023 | Yes |
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| The issue is with Chase checking and savings accounts and fraudulent withdrawals from two accounts. XX/XX/2023 : I received a call from the Chase branch in XXXX, IL indicating that there was a suspected fraudulent charge being attempted on my main checking account at a XXXX XXXX in Arizona ( with my card ending in XXXX ). I let them know that that was not me and they said they would decline the charge. As I was on the phone I googled the phone # and it was the Chase Branch in XXXX, IL. I also went into my account on the Chase app on my phone and reviewed the account and let them know that there were two smaller items that I did not recognize. They said they would review those as well. They sent me a " push '' through the Chase app and advised that they were changing my pin #. I advised that I did not want the pin # changed and requested that they send me a new card instead. They said they would do that right away. ( I've attached a PDF w/the screen print from my phone of the incoming phone call, the XXXX search XXXX and the reference on my checking account for the replacement card ). XXXXXXXX : I went in to review my accounts to make sure there were no additional items that I did not recognize. That is when I noticed that on XX/XX/2023 {$460.00} was taken from a second checking account that I have and that {$3500.00} was taken from my savings account. ( These withdrawals are also included on the attached PDF ) XX/XX/2023 : I filed the first claim with the Chase Fraud Team. They indicated that a new card was not requested and that a replacement card was sent ( for card ending in XXXX ). I had not received that card and it was on this day that they cancelled card XXXX and issued a new card was issued. XX/XX/2023 : I was notified that my claim had been denied because the withdrawals were made at an ATM w/a pin. I again informed them that I did not make the withdrawals and that I had the card in my hand. I asked them to review the video from the branch/ATM and they indicated that I would need to get a subpoena which would require me to file a police report. XX/XX/2023 : I went into the Chase branch in XXXX, IL. I ended up speaking with XXXX XXXX ( VP/Branch Manager ). She initially indicated that there was nothing that she could do at the branch, but was able to determine that the phone call on XX/XX/2023 did not originate from their branch. I was very upset and she called the Claims team and spoke with a manager. She advised that the manager in the Claims dept was able to determine that a duplicate copy of my card ending in XXXX was mailed to an address ( rushed I believe was the word she used ) that is not my home address. They would not provide the address to me when I asked. She indicated that based on this information, they would file a new claim. XX/XX/2023 : All of the withdrawals from the savings account were reversed. ( Copy included in the PDF ) XX/XX/2023 : I received a notification from Chase that the claim was once again denied ( for the checking ) and that they would be removing the {$460.00} from my account on or before XX/XX/2023. I have not yet received anything related to the savings account, but am afraid that if the checking claim was denied, that the savings will soon follow. XX/XX/2023 : I called the Chase claims dept and was once again told that the claim was denied because the card and the pin # were used. I again explained the situation ( as described above ). I asked what research they actually did. XXXX ( the person I spoke to in the Claims dept ) was not able to provide any specifics. I asked why Chase would not immediately review the video from the branch, as this seems like the most logical and bare minimum they could do in their " research ''. She once again told me the only way to get the video is to file a police report. Additional Notes : 1. I have never in the history of having these accounts used my debit card or taken any ATM withdrawals. I only use the card on my main checking. 2. The number of withdrawals from my savings account was XXXX. XXXX separate withdrawals totaling {$3500.00}. | ||||||
| 06/22/2022 | Yes |
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Web | Servicemember |
| XX/XX/2022, I applied for an Amazon Visa through Chase Bank while purchasing a {$400.00} dresser on XXXX because they were advertising if you got approved, you would get a {$150.00} gift card towards your purchase. I applied and was immediately approved with a credit limit of {$1700.00} and to my surprise, I thought that was a little high. I received my card in the mail around XX/XX/2022. I had not even " activated '' the card or set up an online account before receiving a letter from Chase Card Services in the mail on XX/XX/2022. The letter was dated XX/XX/2022. The letter states that they were closing my account on XX/XX/2022 " because of your connection to a publicly reported financial investigation. '' Now, I subscribe to XXXX and have for many, many years so that I can monitor my credit inquiries, scores, or any compromised or confidential information that may be listed on any websites. At the time of my application to Chase ( JP Morgan ), my XXXX score was XXXX. On XXXX it increased to XXXX. On XXXX it increased again to XXXX. On XX/XX/2022 I called Chase Card Services in complete disarray due to the language presented in their letter " publicly reported financial investigation '', as any consumer would rightfully be upset and worried. I wanted to know what kind of publicly reported financial investigation. I was told " We don't know that information ''. I set up a Chase Bank phone call conference with a local branch ( XXXX, XXXX XXXX and spoke with XXXX on XXXX and was told the same, no information and that Chase did not have to give a reason. I expressed my concerns over the language of the letter, the impact it would have on my credit score and pleaded for her to guide me in some sort of direction of who I could speak with to gather more information because my credit report did not reflect ANY sort of Public Record related to what Chase advised in their letter and that in fact, my credit score went up significantly since I was approved. There are no bankruptcies, liens, or judgments against me that would qualify as a " publicly reported financial investigation ''. She told me she would file a complaint and my concerns would be escalated to the executive level and that they would be able to provide me with a little more information than what she could give. I received an inaudible, fast, voicemail from XXXX XXXX, Branch Complaint Escalation Group on XXXX. I attempted to call back on XXXX after receiving another inaudible message from XXXX on XXXX at XXXX a.m. I called her back on XXXX at XXXX p.m. and received a message that the branch was closed at XXXX p.m. I called again on XXXX at XXXX a.m. and left a Voicemail on the generic line hoping someone would get it and deliver it to XXXX. Completely frustrated, I decided to log on to my Chase account and found a letter XXXX had put in my file that she had not been able to reach me and they would stop contacting me. LUCKILY, the letter had her written call back number with extension. I called at XXXX a.m. and had to leave another voicemail. I attempted again at XXXX p.m. and she picked up. I told her my concerns and issues and she told me she could not help me and she could not tell me anything. I expressed my deep concern on how this would ruin my credit score I have worked years on to be able to apply for a mortgage when it hit XXXX. Chase approved me and turned around and closed my account in less than 30 day. This impacts a persons credit score very negatively. I now have a decreased credit availability, an increased debt to credit ratio, and my XXXX score will be impacted detrimentally. I asked for a contact email or person to whom I could reach out to from here and was told again that no one can help me or give me an answer as to why my account was closed in such a short turn around time. I wish I had NEVER applied through XXXX for this credit card. It is an advertisement to lure customers in for the {$150.00} gift card only to turn around and close their account. The card was added to my credit report on XXXX, XXXX days AFTER I received a letter they were closing my account. | ||||||
| 06/20/2021 | Yes |
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Web | Servicemember |
| I own a moving business that in 2018 started going very slow, creating me overdraft fees called the bank and they said they will not honor any payments if there was not funds on the account, so no overdraft fee was going to be created. Company money was getting tighter and there was enough to pay some bills and most monthly payments were diverted to my personal account. Bank kept paying money requests when there was not funds even after they said that was not going to happen and overdraft fees were getting out of control, called them ans once again they said they would disabled overdraft and i had not to worry about those anymore they will simply not pay if there was no funds. After this conversation with the bank, overdraft fees were still coming, daily late fees to overdraft fees were applied, sometimes there was between 3 to 5 transactions in same day all incurring in overdraft fees per transaction, one time saw 4 different overdraft fees in one single day plus late daily fees per each one of them, called the bank, explained the said themselves overdrafts were canceled on this account, they voided one or two fees and called it good. Not to long after there was various transactions made that incurred into overdraft fees most on one single day, a couple of them for approximately XXXX dollars, all with a XXXX dollar overdraft fee plus a daily late fee, having to pay the amount that was paid plus the overdraft fee plus the daily late fee ended up paying about XXXX dollars for one XXXX dollar transaction, called the bank voided one late fee, said they fixed the problem and called it good. COVID pandemic started and the business went to a halt, no income, overdraft fees got worst again called the bank and they ensured me i don't need to worry about overdraft fees, from my part whenever I see an overdraft fee, contacted vendor closed account and or switched account to personal account to pay for whatever service I was being charged, the bank representative assured me I will not have any overdraft fees ever again, because the bank will not pay if there was not funds. Because the bank assured me overdraft was not going to be a problem I stop monitoring this account and had my business on a pause, after all I was supposed to get email and text notifications if any payment was done from that account so i can take care of it immediately, the bank representative helped me create this notifications, finally didn't have to worry about this, after all the bank itself assured me and set up notifications in case it happens ... A couple of weeks pass by and my account is on negative numbers, another overdraft fee! called they said there is nothing they can do i have to pay the overdraft fees plus late fees. no notification, they said there is nothing they can do about that they don't know why I was not notified of insufficient funds or a new transaction but they will fix it ... Next week ... another overdraft fee, ask speak to a supervisor, they say there is nothing they can do, overdraft protection was canceled months ago but I still get charged they said it is recurring payments and they cant not pay those, but when i check this are not recurrent payments, they are from different places every time and not electronic checks either, the bank says I'm sorry nothing we can do, i said ok then ill close my account, they said it is a military business account and is not that easy to close it, there is a lengthy process and need to direct your call to someone else, five representatives latter still with no solution and frustrated decided to terminate the call after 1 hour 24 minutes of being sent from one place to another I am at disbelief at this time I have paid several thousands of dollars on fees, and they are giving me a hard time to close the account! Don't know who to go for help at this time, hope you can. I am a XXXX vet who is trying to make a honest living, but i feel the bank is stealing from me, so far i have been paying all this fees, and I want to have those unfairly charged fees back to me and be able to close the account. | ||||||
| 09/06/2016 | Yes |
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| Quick summary. I was n't aware your office existed at the time. If case qualifies, I can send supporting documentation. Here 's a brief timeline. I had a mortgage serviced by Chase mortgage, starting XX/XX/XXXX with an ARM. XX/XX/XXXX - refinanced to get rid of the ARM when I saw what was happening to others. Every month, i paid XXXX x my payment requirement, never a late payment, and by XX/XX/XXXX my 30yr mortgage was down to 21yrs remaining XX/XX/XXXX - I took a sabbatical leave from work out of state and roommate 's rent covered the mortgage. I was collecting $ XXXX/month rent and was paying {$850.00} towards mortgage. It is my belief that during this time Chase figured out that I was not employed and maliciously attempted to foreclose. My income was {$40000.00} in investments I had built up to plan for the sabbatical. Point is that " Foreclosure '' should have never entered the picture based solely on my availability of funds through this ordeal. Mortgage payments were always auto-drafted from a separate account opened specifically for house. Rent payments deposited on the XXXX, Mortgage scheduled for the XXXX. I received a text confirmation every month on the XXXX that payment had gone through. XXXX XXXX, XXXX - received text confirmation that mortgage payment was accepted. XXXX XXXX, XXXX - i posted a credit card payment to the account to cover fence repairs which left balance around {$800.00} XXXX XXXX, XXXX - received text saying XXXX mortgage was rejected for lack of funds. Late payment penalty marked on my record, charged late fee. XXXX XXXX, XXXX - {$1100.00} rent deposited into account and i transferred additional funds to cover auto-draft for XX/XX/XXXX and XX/XX/XXXX payments and late fee. XXXX XXXX, XXXX - {$1100.00} rent deposited, account balance unusually high. Realized automatic draft did n't happen in XX/XX/XXXX. Called Chase. They blocked my account from having online payment capability. Must pay by check by mail or at chase mortgage branch. Drove over an hour to address given. Branch closed a month prior. I mail a check ( over {$2400.00} ) to cover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & late fees. Told my account is pre-foreclosure for 2 missed payments. XXXX XXXX, XXXX - automatic draft for {$850.00} goes through ( recall they had discontinued this service for XX/XX/XXXX ) covers XX/XX/XXXX payment. bank account drops to {$1600.00}. Check for {$2400.00} for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/Fees bounces and is returned. Told to mail certified check to cover previous months disc. I do it. Technically still behind by 2 payments because additional late fees added and they only accepted payments that were for the entire balance, certified check returned. Told only option to stop foreclosure is to apply for loan modification. Complete forms ASAP. Told trial months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can return to normal or keep modification in XX/XX/XXXX Never receive information about modification payments until after 1st payment was due. XXXX XXXX - mail check for XXXX XXXX modification amount to chase mortgage address. they return it because I was supposed to mail to loan modification address. Mail to that address. I am told that Foreclosure process has started as technical formality, {$5000.00} in legal fees appear on statement, but told I do n't pay that if account gets caught up. Restart modification trial XXXX XXXX to freeze foreclosure process. XX/XX/XXXX & XX/XX/XXXX modified payments mailed on time. XXXX XXXX - Chase sends Sheriff seizure notification to property, tenants freak, move out. I cancel modification because payment method too complicated. told I owe the difference plus full XX/XX/XXXX amount or lose house. Make a large lump sum payment, account caught up. XXXX XXXX - told mortgage sold to another servicer but not given new info. Balance now over XXXX b/c XX/XX/XXXX & XX/XX/XXXX not sent, & {$5000.00} ( Legal fees ). New people say pay full amount, but chase may delete legal fees, or lose house. XXXX XXXX, I sell house to end nightmare, Chase takes legal fees @ closing | ||||||
| 07/29/2022 | Yes |
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| My wife and I engaged with Chase Home XXXX earlier this year for a new home purchase in XXXX, TN. Our Chase Home XXXX Advisor ( XXXX XXXX ) advised us of a mortgage discount program that Chase offers to its clients who agree to sign up for Chase Private Client program. The program was described in an email ( See ATT1 ) and we had multiple conversations regarding the program requirements and steps required to qualify. The maximum discount offered was 0.50 % if we met that threshold for new assets brought to Chase Banking and Chase Investment ( equity positions, cash, etc. ) We agreed, signed up for Chase Private Client and worked with the Chase Investment team to transfer our entire brokerage account from XXXX XXXX ( See statement ATT2 ). This transfer was made c. XXXX. The statement attached indicates the equity positions of cXXXX $ XXXX. NOTE : there is another position that does not show any value in Chases statement : XXXX units of XXXX XXXX ( XXXX ) worth approximately $ XXXX at time of transfer. These shares are subject to partnership ( XXXX ) tax treatment, but are equivalent in value to XXXX publicly traded shares ( ticker : XXXX ) XXXX So this total is c. $ XXXX contributed. Additionally, from XXXX to XXXX ( See ATT3, ATT4, ATT5 ), additional funds were deposited to Chase checking account, including payroll deposits and other cash transferred into Chase. The net increase from XX/XX/XXXX to XX/XX/XXXX was approximately $ XXXX. Based on these contributions made and after multiple discussions throughout the loan pre-qualification and rate lock process, all indications were that we had comfortably met all expectations to meet the highest threshold required for the 0.50 % mortgage rate discount. Based on our rate lock at 4.25 % on the 7yr/6mo ARM, the final applied rate in the closing documents was expected to be 3.75 % Following this, we worked through a long and rather painful Underwriting process which ultimately delayed our closing date to accommodate appraisal review/revision which took multiple iterations to finalize. We received our closing documents the day before we needed to sign to close our loan on time. That morning, at the notary, as we were reviewing the loan documents, we noticed that the rate was not 3.75 %, but rather 3.875 % - only 0.375 % discount had been applied. Given that we had already delayed closing and not wishing to jeopardize closing, we elected to sign in order to satisfy our purchase contract with the Seller. Immediately after closing, we followed up by phone and email to the Chase Home XXXX team ( XXXX, his manager XXXX XXXX and including XXXX XXXX, VP of Home XXXX ) to determine what had happened. In the first discussion with XXXX, he also seemed surprised that the full 0.50 % discount had not been applied. After some investigation, he reported back ( see ATT6 for full email thread on communication back and forth ). The explanation was rather incomplete, but essentially boiled down to his deferring to an Underwriting determination. Not satisfied with that answer, I asked for full documentation of the XXXX XXXX rules and guidelines. I also asked for any calculation or substantiation from Underwriting on their determination. We were informed that Underwriting could not provide any substantiation on their calculation method. We did not receive any more detail on the program itself beyond what was communicated in the email from XXXX XXXX initially ( ATT1 ) After reaching out to XXXX via phone and receiving no further assurances that this issue would be considered, I also reached out to XXXX XXXX via email and phone, with no response. We also had engaged with a Customer Satisfaction agent ( separate department )- they made a couple of calls throughout the process, but ultimately stopped calling with regular check-ins. Our situation is still unresolved and we are convinced that Chase has clearly elected to attempt to ignore this issue in hopes that we will drop this issue. Our final communication was our intention to move forward with a complaint to CFPB, and/or legal action as appropriate. | ||||||
| 05/24/2022 | Yes |
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| JP Morgan Chase My bank account was hacked in the early morning of XX/XX/XXXX, my personal information was changed, including email, phone number, and mailing address to an out of state address. Money from my checking account was transferred to XXXX XXXX and my debit card was registered to XXXX for a ride, for a total of {$160.00} in fraudulent transactions. A credit card through Chase was also opened in my name online that day. The {$160.00} has yet to be returned to me as this check was mailed by Chase to a fraudulent address that Chase assured me had been removed from my account and the check was then fraudulently endorsed and cashed. background information : I went into Chase that morning of XX/XX/XXXX at XXXX AM to freeze and close my checking account out and to cancel the credit card that was opened. Chase originally failed to close out my account in person, even though I was told it was being closed out, and I had to go back two more times to get them to successfully close the account out. I was assured the second time going into a branch location that my information was successfully updated back to my personal information as I waited for Chase to mail a cashier 's check for my full account amount plus the fraudulent activity of {$160.00}. However, as my mother had a linked account with me at the time she could still see the wrong address showing on my account ( and that the account was not successfully closed out like it was supposed to be ), so the third time I went back into the Chase branch I requested they cut me a cashier 's check for the non-fraudulent amount remaining in my account that day for fear they would send all of my money to this fraudulent address. As for the {$160.00} of fraudulent charges that Chase had to process through their fraud department I was told this would then have to come as a mailed check due to my account officially being closed out, which I was fine with and was assured through the branch and speaking over the phone with multiple departments would be sent to my current correct original address on file ( Chase told me it would take about 3 weeks to process a fraud claim from XX/XX/XXXX and then mail a check out ). However, after waiting two months I continued to call for updates and was eventually notified that the check was already cashed ( on XX/XX/XXXX ), it was mailed to the fraudulent address from XX/XX/XXXX, and signed and endorsed in my name to a XXXX XXXX XXXX, even after being told by numerous departments at Chase the address issue was resolved. I have yet to receive these funds at this point and Chase sent me a letter on XX/XX/XXXX stating that " the bank that accepted your check is responsible for repayment. We have initiated a claim on your behalf to attempt to recover your lost funds ''. I have yet to hear anything back about this claim. Chase failed through multiple departments to correct my address on file that was originally changed online through a hack. I have updated my police report to report that Chase has failed to return these funds as well - the {$160.00}. I would also like to note that I received a letter from Chase on XX/XX/XXXX stating that the I was not responsible for the credit card opened in my name and that they would work with the consumer reporting agency to have this removed from my consumer report but as of XX/XX/XXXX the inquiry is still on file with XXXX. I then also received another notice XX/XX/XXXX stating another credit card was attempted to be opened in my name, a business visa signature card, through Chase again. All fraudulent activity occurring under my SSN are all happening through Chase. There are multiple issues listed above regarding how JP Morgan Chase has handled these events. I have spent countless hours on the phone with different Chase departments, all calls that are stated to be recorded, yet problems continue to be left unresolved. There are major disconnects between Chase departments that they can not even figure out how to mail me a check to my home I have lived at my entire life in IL, but instead sends a check to GA. | ||||||
| 05/05/2017 | Yes |
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| During ongoing review of my mortgage modification request with XXXX XXXX XXXX XXXX XXXX , on XXXX XXXX XXXX , I was told by XXXX that the owner of my mortgage note is XXXX XXXX XXXX XXXX ( the same company fined by the United States {$120.00} XXXX in XXXX for violations of the False Claims Act violations ) and that they were party to the modification offer made to me. I reached out to XXXX customer service on XXXX XXXX XXXX to request a copy of my mortgage note and information related to their participation, and was told that XXXX 's home mortgage business had been sold several years ago and the only way I could reach someone for additional information was by postal mail. Mortgage modification history with XXXX XXXX XXXX - acting on behalf of XXXX XXXX XXXX XXXX : In XXXX XXXX after being laid off from my job and subsequently experiencing over six m onths of unemployment, I began the process of exploring options for a loan modification. It was explicitly state d to XXXX XXXX that ou r intent was tokeep our home. This intent was initially met with positive response from XXXX XXXX , committing that they would work with us to reduce our monthly payment. At first, a XXXX asse t manager wor ked with me to qualify for a reduced monthly payment during my period of unemployment. We paid our monthly mortgage amount each month according to this agreement. Having regained employment in XXXX XXXX at a pay rate lessthan I was previously making, our continued objective toreduce our monthly mortgage payment and keep our homewas clearly stated throughout the review process with XXXX XXXX andacknowledged by XXXX staff. At this point ( XXXX XXXX ), we had submitted all required paperwork and my assigned XXXX asset manager inst ructed me toNOT PAY on our mortgageas a modification was expected to be finalized within 30 days. For the next 3 months representatives of XXXX XXXX began requesting information that we had already submitted in some instances requesting the same information 2, 3 an d 4 times between XXXX and XXXX XXXX . We painstakingly resubmitted information including bank statements, tax filings, expense calculations, and much more. Among other odd requests that made it seem as though they were purposefully delaying our modification, we were asked to " create '' a profit and loss statement for personal income only to be told they did n't need it. On more than one occasion, they claimed they could not understand our tax filings s ( whi ch had been accepted by the IRS ) and we and had to put them in touch with our tax preparer. I was stunned when XXXX informed me on Friday, XXXX XXXX XXXX ( following8 MONTHSof collecting and analyzing our financial information ) thattheir offer was toINCREASE our m onthly mortgagepayment by {$380.00}, in the process congratulating me for the approval of our modification and letting me know that foreclosure was an option. After threatening legal action, XXXX requested yet additional personal financial information. After reviewing, they came back with an offer to reduce our monthly payment by {$140.00} along with requirements that our loan term be extended, equity be forfeited, and fees and charges related to the modification be added to our mortgage amount, again communicating that foreclosure was an option. This modification offer was received XXXX XXXX XXXX , 13 MONTHS after initial outreach. On XXXX XXXX XXXX I initiated a request to Massachusetts XXXX XXXX XXXX XXXX 's office to investigate XXXX XXXX XXXX for fraud. It is more than evident that XXXX XXXX XXXX turned a hardship situation into an opportunity for them to promote foreclosure to their benefit. The process of delaying this modification, not fulfilling verbal promises, moving staff on and off my account several times, and the overall outcome of the bank making money on the transaction, makes clear that the entire process has been acalculated and fraudulent. | ||||||
| 09/08/2023 | Yes |
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| DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the XXXX XXXX Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE! PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically XXXX XXXX Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. | ||||||
| 01/19/2021 | Yes |
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| On XX/XX/XXXX, I applied for Chase Freedom credit card. Shortly after, I received an " Action Needed '' letter requesting me to contact Chase to confirm my application and verify my identity, despite the fact that I applied for this card through my Chase online banking profile. On XX/XX/XXXX I called the number listed and verified all information with the representative who told me she would submit my application for approval. On XX/XX/XXXX, I received an " Update '' letter stating that Chase did not approved my application for credit card and the decision was based on the following reason : " A prior credit card or deposit account was closed by Chase ''. I never asked Chase to close any of my accounts. They were supposed to simply not held me liable for any unauthorized charges after they received all supporting documents as a result of ID fraud that I was a victim of in XXXX. Chase bank is discriminating against me because I was a victim of identity fraud in XXXX, and my chase credit cards were among several other accounts that were compromised as a result of identity theft and misuse of my personal identifying information by unknown party or parties. Back in XXXX, I have provided Chase and all my other card accounts, including my then bank account, all supporting documents, including but not limited to the police report I filed, ID theft affidavits, and much more. This was a very painful and hard time for me trying to find out what happened, suffering, and at the same time trying to recover from the damages caused by this horrific event. My Chase credit card was not the only card that was misused and incurred unauthorized charges, I had many others. And I did everything since XXXX to secure my personal information, signed up with ID XXXX XXXX to protect my identity better. As painful as it was, I learned from this incident. Since XXXX, I tried to recover, rebuild my credit and re-establish good relationships with my bank and all credit card accounts involved. I did recover and established an XXXX XXXX XXXX credit, no delinquencies, excellent credit rating with all my accounts without exception. All other banks granted my request for credit, trusted me and it paid off. I never once failed them. As far as Chase bank, since XXXX Chase is retaliating and discriminating against me. They somehow blame me for being an ID theft victim, as if I chose to become a victim myself. In the last 12 years since this incident, I have tried twice to apply for a credit card with Chase, attempting to rebuild my excellent relationship with them. In the last few months I have moved my personal banking to Chase, and I am in the process of moving XXXX XXXX needs to Chase as well. But that needs to be seen at this point. I called today and spoke to XXXX different individuals in XXXX different departments, XXXX and XXXX XXXX Supervisor ID # XXXX ). I expressed my frustration for them not understanding the fact that I was a victim of ID theft in XXXX and they had all necessary documents to go by, and I told them that they were clearly discriminating against me for no apparent reason other than being an ID theft victim 12 years ago. XXXX didn't do anything but offered me the contact information of the attorney who handled my case back then. I told her I did not see a reason to contact an attorney who handled my case 12 years ago. Even the statute of limitations have expired on a case like this. I explained her that all I was trying to do was to re-establish my excellent relationship with Chase, and yet, Chase is simply retaliating against me because I happened to be a victim of ID fraud in XXXX. Chase has no reasons to deny me credit. None. I have perfect credit, perfect payment history, perfect record, I have stable income and high credit limit accounts with different financial institutions who didn't use it against me the fact that involuntarily I became a victim of ID theft. Chase simply discriminates and retaliates against me, and they failed to properly document my case back in XXXX so that I don't have to go through this 12 years later. | ||||||
| 05/21/2023 | Yes |
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| To Whom it May Concern, # Claim XXXX Acct : XXXX I would like to file a formal compliant and request my refund of {$140.00} put back in my account ASAP. I Placed an order with XXXX on XXXX XXXX for XXXX XXXX XXXX XXXX with closure ( XXXX inches ) for {$140.00}. I received the Package via XXXX on XX/XX/23. Once, I receive the package, I immediately inspected the product and Measured the Lengths, after spending countless hours reading all the reviews, that stated the hair was indeed 100 % human. What I received was nothing like the Description, First, the Lengths were incorrect, I received ( XXXX, & XXXX inches, that was measured, Also, more importantly the Hair was not human. It is SYNTHETIC Hair, with human fibers. Also, The XXXX XXXX curl was not XXXX XXXX The hair was extremely Tangled right out the Package. I immediately contacted XXXX regarding this issue, and processed a return. XXXX, provided me with the return label, I immediately sent the items back the next day, XX/XX/23. I dropped the Items at XXXX XXXX. The Tracking Number is XXXX. The sent back items were delivered XXXX at XXXXXXXX XXXX., I contacted XXXX XXXX to follow up with status of refund, I was told to call back within 14 days after XXXX confirmed they received the items, it takes up to 14 days to receive a refund. On XX/XX/XXXX, I Contacted my bank Chase to dispute the transaction, due to the fact, XXXX still has not refunded my account. When I disputed the claim on XX/XX/XXXX, I Provided the Claim Specialist, again, my proof of return, which is the Tracking Number, that confirms XXXX received the items back. Chase processed a temporary credit off {$140.00}, I NEVER received any corresponding from chase, I notice, Chase reversed the Temporary credit, when I called CHASE, I was told my claim was denied because, I didnt provide proof of Tracking Number or Proof XXXX received the package back. This is a Lie, I provided the claim specialist Tracking Number on the XXXX, ( chase calls are recorded, they can clearly review the call ) I asked to speak with a SUPERVISOR, on XX/XX/23, I spoke with Supervisor XXXX, who I explained the situation too, she asked if I had the Tracking Number, I told her yes, but I was at work, to give me 5 minutes to provided, XXXX XXXX said, she didnt have 5 minutes and could hold the line, therefore. She hung up. I immediately called back and asked for Another Superviors, which, I spoke with XXXX, who was extremely helpful, I provided XXXX with the TRACCKING Number again for the 5TH Time, XXXX tracked the package and confirmed XXXX received the package, she also, reopen the claim. She asked me to call chase in 5 days and they will issue a temporary credit of {$140.00}. On XX/XX/XXXX, I Contacted chase, spoke with XXXX, who messaged her SUP XXXX, they were checking the status also of the claim. I was told to give it a few more days and call back. I contacted chase again today, XX/XX/XXXX checking the status of claim, spoke with Supervisor XXXX, who was Extremely Disrespectful and Rude, I was told by XXXX, my second claim was Denied. I ask her why, and XXXX Response was 1. THE BANK CANT CONFIRM WHERE THIS PACKAGE IS ; 2. I NEED TO TAKE THIS UP WITH XXXX. OMG, I am extremely upset and Definitely not Happy. So basically, XXXX, gets to keep my MONEY AND KEEP THE PRODUCT? HOW IS THIS FAIR TO THE CONSUMER, XXXX PROVIDED ME WITH THE RETURN LABEL, IT IS DEFINETLY NOT MY FAULT ONCE I DROP OFF THE PACKAGE TO XXXX, I AM NOT RESPONSIBLE FOR THAT PACKAGE, ALL I KNOW, IS THAT XXXX RECEIVED THE ITEMS BACK, AND FOR CHASE BANK TO TREAT ITS CUSTOMERS LIKE THIS IS UNACCETABLE. I ALSO HAVE AN EMAIL FROM XXXX STATING THEY WILL REFUND MY CREDIT CARD {$140.00}, THIS IS ALL THE PROOF THAT I NEED TO SHOW, XXXX HAS CONFIRMED THEY RECEIVED THE PACKAGE AND CONFIRMATION I WILL BE RECEIVING A REFUND. ( WHICH I NEVER RECEIVED THE REFUND ) CHASE BANK I AM REQUESTING MY REFUND OF XXXX. I AM ATTACHING MY PROOF : WHICH IS EMAIL FROM XXXX Stating refund will be issued also confirmed they received the merchandise back., ( SEE ATTACHED ) PROOF OF DELIVERY AND TRACKING NUMBER. | ||||||
| 05/26/2022 | Yes |
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| Chase Bank closed a line of credit in a discriminatory way. Their policy did not allow any room for remediation and even though I first contacted them within a few days of the account having been closed ( which I did not know about until I called ), they claimed at that time that it was too late to have the account reinstated after payment in full was received. I don't have a way of requesting the percentage of applicants which have their accounts automatically closed without review after 60 days ( the account never went into collections and it is paid in full as of the end of XX/XX/XXXX ), but I have to wonder if there is some sort of discrimination of accounts taking place based on gender and ethnicity fed into their automatic credit decisions based on an algorithm. They applied their policy of closing the account due to risk without notifying me of their review process or any underlying factors of what I could do while it was taking place. They closed the account after two returned payments and while I was trying to make a large payment to pay the account in full. This resulted in lowering my credit score as a result of the account closure even though all payments prior to the two missed payments in XXXX were made on time and the account was consistently current since XXXX. I have made several good faith efforts at communicating the efforts that I went through to make payments as soon as possible given the banking system and paid in full that same month. I then understand that this is a business decision and made the case that this account, save for the unfortunate 2 months, was that of a good client who consistently paid on time and was interested in a positive and mutually beneficial relationship with Chase Bank. I spoke to a few representatives- some who were respectful, and a couple who attempted to use XXXX XXXX XXXX and another who was just direct and rude - about my request to have a risk or credit team review my whole account in full taking into account my record of payment and the fact that the policy that caused to close my account was a bank error due to the fact that their policy likely exacerbates discrimination especially if it is based on an algorithm that prejudices against XXXX women. Again, I don't have the statistics on what proportion of accounts held by XXXX women are closed after 60 days versus other unprotected classes, but the way that I was prevented from having any conversation outside of the customer service department and their " escalation '' customer service member ( all of whom informed me they did not have the authority to reopen this account that has been recently closed ) without referring me to a team or submitting an application or a dispute to a team that DID have the authority to review its credit/risk decisions suggests to me that they never intended on taking my inquiry seriously. I have gone to lengths to keep this account current and in good standing despite working on a degree while holding a full time job, changing jobs, and having to withdraw- with tax penalties - from my 401 ( k ) for living expenses and to pay off this credit card in full in order to maintain good credit. Chase Bank has now ruined my credit score AND has been paid in full without the account ever going to collections and having all of their interest paid. All of our correspondence thus far has occurred via telephone calls that are recorded by Chase Bank, so I do not have any documents and do not have access to their algorithm or automatic decision-making process. I was told over the phone that there is no human review process for these risk decisions and no human who would review the account for re-opening, they are just made automatically according to policy. They also stated that they would make a note of a complaint but that there would not be a review. They also informed me over the phone that there is no requirement to notify the customer. ( Indeed, they did not notify me. In fact, I found out about the action when I called to make a payment since they had restricted my ability to pay in the usual ways ). | ||||||
| 10/12/2023 | Yes |
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| XXXX XXXX XXXX " XXXX '' is a manufacturing and trading company engaged in the production of sanitary ware ( including bathtubs, showers, bathroom furniture ) in XXXX. The company has been producing its products under the XXXX brand for more than 20 years. Our production strives to meet international standards, and the company 's development strategy is aimed at continuous improvement of quality and design at a constant price level. For more than three years we have been cooperating with the XXXX XXXX XXXX XXXX TRADING CO.under contract No. XXXX dated XX/XX/XXXX. Our company is a permanent supplier of sanitary equipment, including for medical, health and social institutions that fight for human lives every day. The company does not cooperate with any military organizations of XXXX and other countries in its activities, produces plumbing only for peaceful purposes. Realizing the need to equip these facilities with plumbing, we monitor the timely fulfillment of our obligations to supply plumbing, including those purchased from XXXX XXXX XXXX XXXX XXXX. In XXXX, we made the following payments through XXXX XXXX XXXX XXXX XX/XX/XXXX, from the settlement account of XXXX XXXX XXXX XXXX with invoice XXXX dated XX/XX/XXXX ( the recipient of the payment is XXXX XXXX XXXX XXXX XXXX on the basis of contract No. XXXX dated XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX, clause XXXX of which provides for the possibility of making a payment in favor of a third party beneficiary of XXXX XXXX XXXX XXXX ) a payment in the amount of USD XXXX was made on the basis of transfer application No. XXXX dated XX/XX/XXXX, we received a XXXX message ( appendix to this claim ). On XX/XX/XXXX, from the settlement account of XXXX XXXX in accordance with invoice XXXX dated XX/XX/XXXX ( the XXXX is XXXX XXXX XXXX XXXX XXXX on the basis of contract No. XXXX dated XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX, clause XXXX of which provides for the possibility of making a payment a payment in the amount of XXXX XXXX dollars was made in favor of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on the basis of the transfer application No. XXXX dated XX/XX/XXXX, we received a XXXX message ( appendix to this claim ). On XX/XX/XXXX, from the settlement account of XXXX XXXX in accordance with invoice XXXX dated XXXX ( the recipient of the payment is XXXX XXXX XXXX XXXX XXXX XXXX the basis of contract No. XXXX dated XXXX with XXXX XXXX XXXX XXXX XXXX, clause XXXX of which provides for the possibility of making a payment in favor of a third party beneficiary of XXXX XXXX XXXX XXXX ) was paid in the amount of USD XXXX on the basis of transfer application No. XXXX dated XX/XX/XXXX, we received a XXXX message ( appendix to this claim ). On XX/XX/XXXX, from the settlement account of XXXX XXXX in accordance with invoice XXXX dated XXXX ( the recipient of the payment is XXXX XXXX XXXX XXXX XXXX XXXX the basis of contract No. XXXX dated XXXX with XXXX XXXX XXXX XXXX XXXX, clause XXXX of which provides for the possibility of making a payment in favor of a third party beneficiary of XXXX XXXX XXXX XXXX ) was made a payment in the amount of {$31000.00} on the basis of a transfer application No. XXXX dated XX/XX/XXXX, we received a XXXX message ( appendix to this claim ). The total amount of payments for the above period was XXXX ( XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX dollars. According to the information provided by XXXX XXXX XXXX JP Morgan Chase Bank XXXX XXXX these payments and is awaiting a decision on further cash flow We officially sent a letter to JP Morgan Chase Bank XXXX XX/XX/XXXX, it was left unanswered. . Considering that our organization has been an active and conscientious participant in foreign economic activity for many years, and the delay of these payments is an isolated and unforeseen event in our practice, we kindly ask you to understand and make a fair decision to send me official information about the blocking of JP Morgan Chase Bank payment to XXXX XXXX with the date of blocking in order to so that XXXX XXXX can apply to unlock their money in XXXX. | ||||||
| 06/24/2019 | Yes |
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| I purchased an online e-commerce course in hope of learning an effective way to start an online store. The course was created by a guru named XXXX XXXX, In numerous advertisements for the course, both written and video, XXXX claims that there is a 14 day guaranteed return with no additional requirements. Upon opening and viewing the early parts of the course, I realized that the startup costs are higher than XXXX deemed necessary to start the business in his marketing messages. After about 10 days, I decided to return the course once finding out it resembles a scam and is not a legitimate way to start a business, and went online for more information about returns. Once I visited the XXXX XXXX website, I see a page with a return policy that includes several unreasonable requirements for return. XXXX lists that for a refund, the user must complete a long module in the course within the 14 day period. In addition, the user must submit evidence of their coursework before being considered for a refund. The amount of coursework required was very long and unreasonable for someone who decided they no longer want to keep the course. Given that I am a student and work part time, I was not spending precious time working on a course I no longer had belief in. Under any circumstances other than those listed on the website, the customer support team did not accept returns, even after I emailed them about my situation. I had agreed to a three month payment plan of {$390.00} a month before buying the course. Since I was denied a refund, I ended up having {$390.00} automatically removed from my account on the XXXX of XXXX, XXXX, and XXXX. I disputed the charges with my bank, Chase, on XX/XX/2019. I explained the situation in a letter and provided print-outs of XXXX XXXX website as evidence of the misleading advertising and unreasonable refund requirements he places on buyers. I also included a heavily supported XXXX post from an Internet user who had a similar experience to mine and viewed XXXX XXXX as a scam after his experience with the course. The bank accepted my argument and refunded me for the {$390.00} withdrawn in XXXX and XXXX. However, they refused to reimburse me for the XXXX payment. The first payment from XXXX was billed to me on XX/XX/2019. According to the bank, since I filed my claim on XX/XX/XXXX, it was 61 days after the first charge and, therefore, the XXXX charge fell out of their 60 day policy for refunds through claims. However, I find it unusual for Chase to agree with a customers evidence about a seedy business practice, and proceed to only partially refund the victim. Regardless of their policy, a transaction that has been considered faulty needs to be reimbursed in full. Chase had already given me a full reimbursement for all three payments in XX/XX/2019. However, a month later they bring up their 60 day policy and make an unauthorized withdrawal of {$390.00} from an account that was linked to mine, which belonged to a relative. My frustration became so high that I immediately proceeded to close my account following their refusal to reimburse me. Following my account closing, Chase apparently believed it was within means to instead remove the money from an individual account with a completely different account holder. My mothers account was not involved in this transaction but was affected regardless, due to Chase overstepping its boundaries and compensating for the {$390.00} from an account that was completely separate from my identity and unrelated to this dispute. My mothers name was not involved at all in my transactions with XXXX XXXX and my name was not on her account. Therefore, this is a very fraudulent and unethical practice, and not a fair, proper way to resolve this issue. It is also perplexing that Chase did not acknowledge this 60 day policy when initially reimbursing me fully and giving me the OK to spend the money. Overall, I am very frustrated with the way Chase has treated two of its former customers, especially given that we became victims of a scam, and intend to take legal action if not reimbursed. | ||||||
| 11/26/2018 | Yes |
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| On-line, on XX/XX/2018, I tried to rent a car. On XXXX, a XXXX was advertised for a very low price. I was going to rent the XXXX for {$170.00}. When I went to the pages to confirm the booking, XXXX ( hereafter referred to as XXXX ) played some very dirty tricks. First of all, before the price that I would have agreed to pay was not shown. Instead pages forcing me to accept terms and conditions ( before the price was confirmed ) was displayed and I had to click on that tiny box before proceeding to next page. It was only AFTER my credit card information was supplied that XXXX showed that I had just ordered a rental car for {$490.00}. They added all kinds of upcharges that I did not request. And I know that it is illegal to charge for items that have not been requested. Because I stilled wanted the {$170.00} price and wanted all the upcharges removed, I tried to call XXXX. Their phone number was and still is rigged to never answer those calls that come in IF YOU HAVE ALREADY BOOKED a rental. Because after many attempts I could not get through, I called Chase Bank and explained the situation and told them to refuse to allow the charge to go through. This was a fraudulent charge. XXXX added charges that I never requested. The Chase rep told me I had to let the charge go through. That I could not refute the charge until it showed up on my account. XXXX, in the Chase Executive Office, told me I had no rights to refute charges on my credit card. However, I live in Florida. In Florida we have consumer protection laws that Chase has blatantly ignored. This is an explanation of one of those laws,. Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), sections 501.201-.213, Florida Statutes is intended to " protect the consuming public and legitimate business enterprises from those who engage in unfair methods of competition, or unconscionable, deceptive, or unfair acts or practices in the conduct of any trade or commerce. In addition, Florida has a law that refers to purchases not yet received. It specifically states that a consumer has the right to cancel a purchase that has not yet been received. I have filed complaints with Chase on this XXXX fraudulent charge, XXXX, from the Chase Executive Office, on a recorded call has told me that I have no right to refute anything on my credit card. This is in total defiance of Florida Law, not to mention decency, honor and doing the right thing. XXXX told Chase they could not refund money because of the costs incurred by their merchants and vendors. This is an outrageous lie. XXXX ( a division of XXXX ) told me that they never received a booking and have no rental record in my name for the XXXX I wanted and got charged for. In addition, XXXX never received any money from XXXX. If a rental car was never ordered, and then never paid for, how can XXXX have the audacity to keep that money. Further, it is illegal to add on upgrades to an order if they have never been requested and I certainly never requested any upgrades. I never buy insurance, comprehensive, collision, liability or road service since my XXXX XXXX policy covers everything when I am renting a car. I don't buy the gasoline. I find it cheaper to pay it for myself. I did not want nor did I approve all the upgrades put on my bill. I would have never cancelled the car if I had been able to rectify all the upcharges upgrades and unapproved charges that were added to my expectation of renting a car for {$170.00}. Further, it is illegal to collect and keep money for insurance that was never in force. Never used. Chase can not expect me to pay for items I did not request and find fraudulent. Chase never tried to ca ll the number I provided to determine the absolute truth that XXXX, had and still has their phone rigged so that calls are never answered once a car is booked. They need to call the number, follow the instructions on the menu, and know that this is a fraudulent, deceitful, unethical company. I believe they ignore customers like me and collect money from their vendors regardless of fraud and deceit. | ||||||
| 11/07/2023 | Yes |
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| I own Chase Sapphire Reserve card. One of the benefits for using Chase 's Reserve card is that travel insurance is included. I had a trip in XX/XX/XXXX and my return flight was canceled due to inclement weather. When I returned from my trip, I filed a claim with XXXX XXXXXXXX XXXX XXXX, for the days I had to extend my trip due to cancelation. XXXX is the XXXX party travel insurance provider that Chase uses. Fast forward to XX/XX/XXXX, and I have spent hours speaking with Chase Travel and XXXX regarding my claim and trying to resolve issues so I can be reimbursed. XXXX continues to request the same documentation that I have provided, will not confirm receiving documents when I resend them ( after they tell me they never received them ). Anyone I speak to on the phone I have to explain from the beginning what's going on with my claim, and I constantly get the run around. They tell me an examiner will review my claim and get back to me. I follow up after a couple weeks to start the endless loop again of them requesting the same documents, and giving me the same unhelpful information with no path forward. I have contacted Chase Travel several times, even speaking with a Supervisor, and everyone there agrees that I have provided all the appropriate documentation. In addition to all the hours I have spent on the phone, I have documented all my interactions with XXXX and send them a recap via email ; I now have exchanged over XXXX emails with them over the past few months. According to XXXX, the main issue is that my original flight itinerary doesn't include the amount for the flight. When they contact the airline, XXXX XXXX, the credit card number and amount are different than the Chase credit card statement I have provided to them. And ultimately, they say they can't verify I used Reserve card to book my flight. I have talked to Chase, and worked with them to craft an email to XXXX about what happened. XXXX said they would set up a conference call with Chase to verify. The conference call never happened, and XXXX keeps contacting the airline and won't contact Chase. Here 's a breakdown of what happened and this was sent to XXXX : - XX/XX/XXXX I booked a flight from XXXX to XXXX and a return flight from XXXX to XXXX. I used Chase reserve card. The cost of the trip was {$530.00}. I ended up changing my return flight, and it was less than what I originally paid. I received an approx. {$300.00} credit from Chase. - XX/XX/XXXX, I called Chase Travel to use my {$300.00} credit and pay the difference for a flight from XXXX to XXXX XXXX and a return flight from XXXX XXXX to XXXX ( this is the trip where my return flight was canceled due to inclement weather ). I owed {$240.00} after my credit was applied. I used Reserve card ending in XXXX to pay the difference. And that credit card statement showing {$240.00} is what I have submitted to XXXX, along with a detailed explanation of what happened. - Chase Travel used a one time payment card ending in XXXX to book my flight with XXXX ( for New York trip ). The XXXX XXXX Supervisor I spoke to in XX/XX/XXXX says the XXXX time payment card is used to ensure customer privacy. - My return flight from XXXX XXXX to XXXX on XX/XX/XXXX was canceled due to weather. I called Chase Travel to rebook. I told XXXX that if they speak to XXXX, they will say the card # ends in XXXX and the total amount is {$770.00} ( cost of both trips above ). I told them Chase used a one time payment card and this is not a card I own. I asked them to call Chase, and gave them the amount paid for each trip and the last XXXX of the one time payment card Chase Travel used. I also provided XXXX locator #, XXXX XXXX # and Payment Header ID that a Chase Supervisor said XXXX should be able to use to verify that I used the Reserve card to book my flight. As of right now, I am stuck in a constant loop with XXXX with no resolution in sight. I can't get anyone there to contact Chase Travel. They said they reached out to them via email but are unable to include me on the thread. Chase Travel said they can't contact XXXX. | ||||||
| 08/15/2017 | Yes |
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| I am a XXXX XXXXr who is an XXXX XXXX that has 9 bank accounts with Chase ( between my business accounts and my personal accounts ). I do a lot of business with my bank and have formed a good relationship with my business bankers. They told me that since I do so much business with the bank, that I should apply for a mortgage and referred me to their mortgage associate that was going to start the process. On XX/XX/XXXX I started looking for a home to purchase. We found a home and we officially went under contract on XX/XX/XXXX with a closing date of XX/XX/XXXX. On XX/XX/XXXX I transferred all the money that was needed to close to the title company to be held in escrow. During this time a lot of information was sent to the bank for their underwriters since I am a business owner. Whatever information they requested, it was sent back to them within the same day of it being requested. On XX/XX/XXXX a commitment letter was issued by Chase with additional requirements. All requirements were met. On XX/XX/XXXX a Closing Disclosure was issued with a closing date set for XX/XX/XXXX. During this time period the bankers that were involved gave my wife and I very little to no information on what was going on and why there was so much delay with the closing. The bank started requesting more and more information, which was promptly given to them. On XX/XX/XXXX my deposit of XXXX was officially unprotected by the contract and Chase was asking for more and more information to " make the loan work ''. Now with my deposit at risk, Chase asked that I get XXXX gifted to me from a family member in which I was able to do on XXXX.17. Still this was not good enough and the bankers involved were harder and harder to reach and provided little to no answers of what was really wrong. They kept asking for more and more information and had me get my CPA to sign letters explaining my companies financials and how an XXXX XXXX works etc. I was able to find out later that the reason why they were having such a hard time with my loan is because the funds that were put in escrow on XX/XX/XXXX originally came from one of my business accounts and apparently they could not use those funds? Even after trying to explain how I am XXXX XXXX XXXX XXXX XXXX XXXX and how the government taxes an XXXX XXXX, they still were n't able to use them. They dragged this out until XX/XX/XXXX before officially denying my loan for reason : " Insufficient funds to consummate the transaction '' even though I had all the money needed to close in escrow, I met all the requirements of what needed to be in reserve in my bank accounts, AND had XXXX gifted to me. Chase drug this out way beyond my protection period and showed little to no regard for the money that I had already spent on this process and the XXXX in deposit that now officially belonged to the seller. This was by far the worst experience me and my family has gone through. The stress that they caused is beyond explanation, not to mention all the financial damages. I have asked to make a formal complaint within Chase since the official denial on XXXX with XXXX XXXX whom I believe is the VP of mortgage in Florida and she has not provided me that information yet to date despite that I have requested it on 4 different occasions. My main concern/complaint is simply this : If you had a problem with where my funds came from, why was n't this addressed during the pre-approval process? Chase has had access to all of my accounts since day one and that is one of the first things underwriters look for and approve.Why would they wait till after my money in deposit is unprotected to tell me that they cant use that money because it came from my business account? You cant wait days before a closing to tell a family that there is a problem with the funds that have been in place for over 30 days that you all of the sudden could n't use them. That is not right and has caused a lot of XXXX XXXX on me and my family. I have kept every single record of this whole experience and can furnish all emails, forms, text messages, expenses etc. upon request | ||||||
| 08/04/2022 | Yes |
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| On XX/XX/22, I received a restricted number, which I do not answer. The same number called and left a message on my husband 's cell phone stating, " This message is being left for XXXX XXXX or XXXX or whichever, this is XXXX XXXX I am calling in reference to a civil complaint being filed through the county by XXXX XXXXXXXX XXXX XXXXXXXX. I'm also calling concerning the property in your name XXXX, and um it would be the one off XXXX XXXX XXXX which is associated with this place of employment, uh the number to call back is ( XXXX ) XXXX referencing the file XXXX. '' Upon calling this number and providing the file number to the woman who answered the phone, I was transferred to another woman who said she was Attorney XXXX XXXX at ext. XXXX. She stated there was a lien against my property and that the original debt was from Chase Bank/Washington Mutual . She would not provide me ANY details of the lien case number or her information. She stated she did not have to provide me with anything and would not provide it until the debt was paid. She said I owed {$11000.00}, but that I could be offered a hardship settlement. I told her I would need that. She put me on hold and then came back and said she would be able to clear the debt for {$5700.00}. I asked for time to see if I could get that kind of money and she was very aggressive stating that if I dont want to pay that is fine then they will just lien my home. I told her I never said I wasnt going to pay it, I just needed like 30 minutes to see if I could raise that kind of money. She said that was fine and told me to call back to pay otherwise the lien would remain. I then asked how they were going to remove the lien if I paid and she said well, the lien hasnt yet been filed, but we will send to the district attorney 's office if you dont pay. I asked for an email to validate the debt and she again stated that she does not have to provide me anything until the debt is paid. In reviewing the information she provided the phone number comes back to an XXXX XXXX in XXXX, FL. I did a XXXX search for the company XXXX XXXXXXXX XXXX XXXXXXXX and there is no website. I searched XXXX XXXX attorney and nothing came up. When the check processed on XX/XX/22, it came back as paid to XXXX XXXX XXXX. Once the payment paid, I called my bank and closed the account, so they would not be able to draft any additional funds from me. I called and left a message on XX/XX/22 at XXXX to advise them that the payment was drafted from my account. I received phone calls on XX/XX/22 at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was driving my son to school, so I called back and spoke to " XXXX '' who wanted to call and verify the payment was drafted with my bank. So, we did. She stated that she would send me and email with a XXXX balance letter and as of XXXX that has not happened. When I called back to find out if the email was sent, I was told the girl who handles it is not in at the moment, but would send it as soon as she is in. Additionally, they promised a XXXX balance letter will be overnighted to me and supposedly, that will not happen until Monday. I am reporting because I believe the time for filing on this charged off debt was uncollectible, as the statute of limitations has expired because the debt was from around XXXX. Additionally, they impersonated a law office and lawyer to which there is no evidence that either the business or attorney even exist. I am concerned that they will continue scamming people out of money. This is in direct violation of the Fair Debt Collection Practices Act, section 807 ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action & ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. | ||||||
| 08/19/2020 | Yes |
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| I write for immediate resolution to the racist and unethical action taken by JP Morgan Chase of stealing the {$8000.00} I paid towards my credit card to cover my XXXX and travel expenses during this pandemic. As a result, I am away on travel from home with no means to return or ability to secure temporary housing. As you can imagine this has posed great risk and harm to me personally during a time of unprecedented duress. The idea that a bank would place profit over the safety and well-being of its clients is unconscionable and I will do anything within my means to raise issue to this despicable action. Specifically : Around XX/XX/XXXX, I contacted Chase customer service to make sure that payments made to my credit card would increase the balance to allow me to cover expenses for immediate travel and lodging. At that time I had a credit limit of {$26000.00} Chase representatives confirmed that any payments would increase the balance to allow for travel and shelter plans during the pandemic and there would not be any card adjustments to the limit. I made two in-person payments at a branch and one on-line. Subsequently, after my last payment of {$3000.00} on XX/XX/XXXX ( for a total of $ XXXX in the monthly cycle ), I received a letter on XX/XX/XXXX indicating that Chase reviewed my credit file and reduced my credit limit by {$8000.00}. I cant help but believe that because I am XXXX XXXX and went into the branch and made two cash payment that is triggered a random review. The letter from the credit decision to reduce my limit indicated " PAYMENT AMOUNT ABOVE THE REQUIRED MINIMUM ON SOME CHASE CARDS, CREDIT REPORT SHOWS DELINQUENCY, PUBLIC RECORD OR BANKRUPTCY, ONE OR MORE CHASE CARDS HAS RECENT FINANCE CHARGES '' First, on a recorded conversation, Chase lied about the availability of my payments. Then, it wasnt until that I made in-person payments that it triggered a review and I happen to be XXXX American. Upon review of my credit history, the assertions in the credit report are FALSE. I have no such delinquency, bankruptcy or delinquent payments in my 30-year credit history. The recent high balances are only due to the launch of my business, and historically, I have repaid all of my credit balances. I have spent a week of my time with the executive office trying to resolve this. They refuse to give me any other information regarding the criteria they used to make the decision outside of the recent high balances. Prior to this year, Ive had little to no activity and they were always paid. I asked for possible repayment of the {$8000.00} if I wasnt able to better understand the rubric around the credit decision. The did so and no I have no balance or capacity to use the card which has stranded me. I believe these actions to be irreprehensible to lie to your customers, present fraudulent info on the credit decision to lower my credit limit and not to mention, discriminatory. These actions are unconscionable. Taking this action during a pandemic, when millions are facing jobless and homelessness is cause for immediate concern. Not to mention the disproportionate affect the pandemic and history of redlining has done to XXXX and minority communities. Chase essentially took my money towards my XXXX travel expenses and left me stuck and no options for shelter or travel. This abrupt, reckless action and complete disregard for your clients well-being and safety has to be reckoned with. I fully expect to bring this to the attention of the media so that there is sufficient coverage and others do not face the same fate that I have. Where is the decency in this after you have taken millions of dollars in federal monies to help customers affected by covid. It is harmful and dangerous to leave your clients stranded when there is not a history of non-repayment risk. Chase must rectify this by allowing me access to my payments and restoring my credit limit so I can ensure a means for shelter and travel home. Ive asked for resolution to my problem immediately but to no avail. Please contact me at ( XXXX ) XXXX to resolve this. | ||||||
| 05/12/2017 | Yes |
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| Amount in dispute before interest and fees : {$330.00}. A. In its XX/XX/XXXX statement, Chas e credit cards allows a vendor, XXXX XXXX XXXX to charge my credit card for incremental charges for whic h ( a ) I h ave not received a billing or explanation or any communication from XXXX , that are ( b ) incremental to the full rental charges I have already paid, that are ( c ) incremental to the full liability for the rental that I have entered into and have agreed to with XXXX 's local rental station, with that agreement being in writing, ( d ) that are not authorized by me, ( e ) that a re unsubstantiated. I dispute the charge immediately in XX/XX/XXXX and a dvise Chase immediately ( via its on line web based dispute system and later via mail and email and telephone ). In the dispute I substantiate that the XXXX incremental charges are ( a ) not compliant with the agreement in writing between me and XXXX 's local rental statio n, ( b ) have descriptions that are non-conforming with the actual rental circumstances and conditions. Copies of relevant supporting and substantiating documentation are shared wit h Chase. Th e dates for my initiated communications with supporting documentation are XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX . Plus nume rous other messages via Chase 's w eb message system of which the dates and records are with Chase. B. Chase is not competent in analyzing and comparing the false data sent by XXXX 's central administration, with the written agreements authorized by XXXX 's local rental station. Notwithstanding my detailed explanations and substantiation. It is not capable of responding to my substantiated arguments and takes the easy way of agreeing with XXXX central administration 's false claims. C. I advise Ch ase that due to the fraudulent charges by XXXX , I will not pay those charges. I urge Chase on several occasions to have a meeting where I can make them comprehend that the charg es are fraudulent. Chase ignored this. Chase nowhere and at no time disputes with substance, the validity of my substantiation and my argumentation. I have submitted a number o f explanations where in detail I outline why and how the charges from XXXX are fraudulent. Chase simply states it decision that it will go with what XXXX charged. D. Thus accordingly, Chase proceeds with paying the vendor the fraudulent charges. E. Communications on this with Chase con tinue throughout XX/XX/XXXX and XX/XX/XXXX m ostly via Chase 's web message system. F. On XX/XX/XXXX , in a telephone call that has been recorded, the Chase representative admits that Chase pai d the vendor notwithstanding having timely been advised by me that the charges from XXXX were fraudulent. The representative admits tha t Chase has been unsuccessful in claiming the money back from the vendor and thus has r esorted to attempting to collect from me. I advise the representative that I will not pay the fraudulent charges. G. I have on numerous occasions escalated to Chase 's executive ma nagement, including o n XX/XX/XXXX and XX/XX/XXXX . They have not responded. H. As I have explained to Chase, again on numerous occasions, the fraudulent charges by XXXX , that have ( fraudulently and knowingly ) been passed to me by Chase, are likely due to ( a ) opportunism on the part of XXXX 's central administration, and ( b ) XXXX 's central administration not being linked correctly with the agreements initiated from the XXXX local rental stations. A breakdown in information flow and continuity at XXXX in other words. To my fortune, I have kept all the communications and confirmations from the XXXX local rental office ( and have of course shared these wit h Chase. I. XXXX 's local rental location simply confirms the written agreements in place. J. Due to knowingly passing on of fraudulent vendor charges by XXXX and by reporting our issue, still in dispute, to the credit reporting agencies, I have yesterday closed my account wit h Chase. | ||||||
| 03/08/2021 | Yes |
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| My Chase Bank Business account was compromised on XXXX XXXX and have spent over seven days calling the Business customer service, Customer Protection Group, Online customer specialists, and spent 6 hours talking to the branch manager but issues were not properly addressed and taken care. I kept getting bounced around from department to department and get a full picture. Here are some other details of what I gathered so far. 1. On XXXX, someone tried to log in online to my business account and failed. 2. At XXXX XXXX on XXXX a person called in to the consumer business banking department and convinced the rep to change the email over the phone to on my profile. According to Chase, that person provided my business credit card number, full name, 3 digit security code on the back, and my personal credit card number and the 3 digit security code. But they were vague as to whether my mother 's maiden name was indeed provided by the perpetrator. As to why the rep would change this when there was a failed attempt to sign in online by an unknown device is disturbing since credit card numbers can be easily obtained from even stores. They would not provide the rep 's name who helped the perpetrator and would not cooperate to provide any more details. For a week, they could not even trace when that fake email was added on the account. I kept getting told that a supervisor was not on duty or unavailable who can help me resolve the issue. When I finally got connected to a supervisor after trying for 6 days straight while I kept getting locked out of my bank accounts, I was told by a supervisor from the Customer Protection Group from Chase and also from another rep from the same department that there is a recording of it but refuse to provide any further details. 3. Minutes later Chase rep let the perpetrator update a fake email on my profile, a password reset was sent to the fake email XXXX. Within minutes starting XXXX XXXX EST on XXXX, reward points started being redeemed on my personal credit card ending and points were moved to and fro from other accounts. Looks like there have been a total of 24 transactions. While all this was going on, I called into Chase bank at least 8 times and talked to over 10 different individuals why I kept getting kicked out of my account starting XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Even still, there continued to be fraudulent activities from XX/XX/XXXX through XX/XX/XXXX and any investigation or details until I discovered researching what was happening to my account. 5. When I finally looked at the transaction history on my reward points, a strange name, XXXX XXXX appeared and the numbers of four different Chase accounts that aren't mine were involved and recorded where my points were being transferred over to them. This shows that other Chase accounts were also compromised. All of our business accounts were frozen and impeded the business from XX/XX/XXXX until today, XX/XX/XXXX. Neither the Customer Protection Group, Online Technical Department, nor the Consumer Business Banking Department were able to give a full picture or resolve the situation. Chase has returned the missing reward points and reissued the two credit cards but have not taken any other responsibility for my time, the breach of personal information, nor my inconvenience, or was able to ensure trust that my accounts are fully protected. All I was told yesterday is that since I filed a police report, I will have to contact the police officer to call their law enforcement department and it will take months to investigate and they will determine whether to investigate or not. Chase has done a great disservice by not properly protecting customer information, the coordination of different departments, and their protocol to resolve issues with the customer. Chase needs to be investigated as to whether this is not an inside job and why there's such poor response to fraudulent activities and there seems to be no customer service in place to help the customer reinstate trust and understanding. | ||||||
| 12/19/2022 | Yes |
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| On XX/XX/22, I purchased XXXX XXXX tickets to a XXXX show for {$3400.00}. To be clear, I am NOT disputing THIS transaction. Almost immediately after the purchase, I received a text message from Chase alerting me to a possible fraudulent charge. I responded and confirmed I made this purchase. Later that same day, I noticed XXXX additional XXXX tickets to a XXXX XXXX in my XXXX account. I did not make this purchase and I did not authorize the use of my credit card to purchase these additional tickets. In addition, I didnt receive a text message from Chase asking me to verify this was a legitimate purchase. My XXXX XXXX XXXX son reluctantly admitted to buying these tickets. I reached out to XXXX and explained to them that I did not purchase these tickets and I would like a refund. The XXXX rep was sympathetic, but told me there was nothing they could do as all sales are final. She told me I could transfer the tickets to friends or family. While this is true, I dont know many people who can absorb the cost of a such a large purchase. Also worth noting, these tickets were purchased for a location over XXXX miles away! ( Ive included the transcript from the conversation as an attachment ). I decided to reach out to Chase because this was an unauthorized, fraudulent charge. I explained the situation to several Chase customer service specialists. I was transferred between the dispute department and the fraud department several times, each telling me that someone in the other department could help me. In the end, I was told I could not dispute the case because there was no problem with the tickets which were purchased. I was told I couldnt file a fraud case because, although my credit card was used without my knowledge or permission, I knew who made the purchase and it was a member of my household, therefore it wasnt fraudulent. I was told that a fraudulent case is a criminal case and Chase doesnt view my XXXX XXXX XXXX son as a criminal. So essentially, anyone who lives in my household can use my credit card without my knowledge or consent and Im subsequently responsible for the charges? At no point during my conversation with Chase, did any representative tell me they were opening a dispute case or give me a case number. So you can imagine my surprise when I receive 2 letters from Chase letting me know We have resolved your dispute ( XXXX ). I explained several times to different customer service specialists, the charge for {$3400.00} was a valid purchase that I myself made. I was only disputing the charge of {$4600.00} for the XXXX XXXX tickets to a XXXX show, which were purchased without my knowledge or consent and by an unauthorized user. Never the less, unbeknownst to me, 2 disputes were opened. Both letters have the same claim ID number ( CLAIM ID XXXX XXXXXXXX ) and are attached below. The first letter states I am disputing the charge for {$3400.00} because I canceled the charge and expected a credit on my account. This is absolutely false. I never told anyone that I wanted to dispute this charge. The second letter states I was disputing the charge for {$4600.00} because I believed the merchant didnt provide the services I purchased. This is absolutely false. I would like someone to listen to the recorded conversation I had with the Chase customer service specialists. Clearly, Chase felt they needed to send something indicating they completed an investigation to appease me. After speaking with Chase, I asked for a copy of my cardmember agreement. Please note page XXXX under CARDMEMBER AGREEMENT, states that this is an agreement between you ( the cardmember ) and JPMorgan Chase Bank, N.A.. I would like to point out that XXXX XXXX is the cardmember, no one else is an authorized user on this account. Also note, page XXXX of the agreement under USING YOUR CARD, states You may use your account to buy goods and services. The agreement doesnt state any member of your household may use your card to buy goods and services. Nowhere in the cardmember agreement does it state I am responsible for charges I have not made. | ||||||
| 07/11/2021 | Yes |
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| On XX/XX/XXXX I received a call from a person from chase fraud department. The individual said that 2 attempts were made on charges to my checking account but the bank had declined the transactions. He asked me to verify my name and sent me a push message that had some numbers on it via text I gave them the six digit number it wasnt related to any of my info. This person called in to me on the Chase XXXX phone number which is the same on the back of my debit card. I took a screenshot of this of my call log it shows 2 incoming calls and my outgoing call to that number to verify this call with chase file : XXXX the call I made to chase was over a hour they didnt answer there fraud extension for over 45 minutes so I couldnt verify this call .while I was on the call with the fraudster I asked him his name and employee number she gave me the name XXXX employee # XXXX. But it sounded like a male. She said someone was making a transfer on my account now from XXXX Florida sending out XXXX from my account she said she stopped it and would send the the money back to my account. I asked her what my account balance was she said XXXX dollars. Whatcha was about right I had checked my account earlier that morning .she said she sent the money back but would take time to appear on my account. I received a message with a chase bank logo on it saying XXXX XXXX was sent XXXX dollars she said she was going I told her to wait I am calling chase to verify this call she hung up. I was still on hold to chase finally after 45 min someone answered. I asked was this a valid caller they didnt answer me but transferred me to another department. This department didnt answer me but transferred me to another department witch told me I wouldnt have spoken to anyone from chase. They wouldnt call but I never accessed my account during the call and never sent a transfer. I then aced my account and saw XXXX dollars missing and a message saying XXXX XXXX was sent XXXX dollars. I had nothing to do with. I got messages from chase with their logos all over them I have the saved. I was told they would investigate this transaction and would get back to me within 10 days. I told them I didnt do this transaction and I needed my money back I need it for a move on the XXXX of XXXX they said too bad those are the rules. I have since gotten alerts on my chase credit card as well as my debit card for fraud on my account both cards were canceled and a replacement will be sent this week I called the fraud department handling my XXXX transaction and it took over a hour to get through I spoke to a supervisor named XXXX to notify then of other frauds on my account was still going on. She would look into it and try to get my money back ASAP then I got a aleart on a declined transfer on my atm card. I called this department online fraud they didnt want any info any of my cards thats a different group that that fraud had nothing to do with them I said its all related to my accounts with your bank he said didnt need additional info they were working on this and it would be at least 10 business days very rude. Extremely disheartening sins a month ago I had another XXXX dollar fraud on a transaction through XXXX on a XXXX add house rental they said they have no liabilities with a zelle transaction that I sent. They only covered fraud if someone got into my account and sent money without my permission which is exactly what happens here. And I am still being punished. I have recently been diagnosed with XXXX XXXX and need my money for a place to live nearby the XXXX XXXX and I dont have the money to pay my deposit on the apartment. This Bank doesnt care for their coustomers they treat me as I am guilty. You cant reach there fraud lines of as long as a hour never shorter than 30 minutes then they transfer you all over the place telling several people the same story. Just this week I have spent over 8 hours on hold or disconnected after 3 hours its terrible service. I have been with Chase and before them Washington mutual before they bought them since XXXX such terrible service | ||||||
| 12/15/2023 | Yes |
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| On XX/XX/, a credit charge in the amount of {$1700.00} was placed on my Chase card ending in XXXX by XXXX XXXX XXXX. I have never been on board this cruise and did not authorize this charge. Furthermore, I did not authorize anyone else to use my card. Following failed attempts to resolve the issue directly with XXXX, I contacted Chase Card Services on XX/XX/, and initiated a dispute of the transaction. As of XX/XX/, this matter remains unresolved. I do not believe that Chase Fraud Department has conducted a thorough investigation of this matter i.e. on XX/XX/, I received a telephone call from a member of Chase Fraud department who advised me to submit a written statement regarding the disputed transaction for review, however instead of awaiting receipt of the requested document at the end of the telephone call the representative informed me that she was closing the dispute. She further stated that once I obtain the requested information that I should contact the Fraud Department to have the disputed claim re-opened. Closing a claim or case on the date of requesting additional information is nonsensical. Considering this action, it appears that Chase Fraud department prioritize closing disputes instead of actually investigating and resolving them. On Saturday XX/XX/, I was at a theme park with my family and friends, and prior to getting on one of the parks ride, I gave my belongings to someone to hold. It was not until the next day that I realized that I did not have my credit card and I contacted the person whom was in possession of it at the theme park the previous day. The person informed me of their location for me to retrieve my card. Despite my attempt, I was not able to get to the person before they boarded the XXXX XXXX. I submitted a copy of text message exchanges between that person and myself to Chase wherein I informed the person that I was en route to retrieve my card but stuck in traffic. Ultimately and unfortunately, I did not make it to the cruise port prior to the departure of the cruise ship and thus unable to retrieve my card. Meanwhile on the cruise, my cards along with other important documents were placed inside of the safe of the assigned cabin, this was followed by a room change. Several hours after the room change, a member of the cruise staff brought the items that were left behind in the safe of the originally assigned room including my card to the new room. All of the credit and retail credit cards in the possession of the person whom had my card were later found to have been compromised. Large sums of money were charged onboard the XXXX XXXX. XXXX informed me that they have a policy that includes 100 % identification check with credit card use. I question this policy considering that I was not onboard the cruise. Chase received proof that a room change occurred and signed sworn statements from myself and the person in possession of my card that the transactions were unauthorized and therefore fraudulent. In spite of this as well as Chase banks XXXX liability fraud protection guaranteeing 100 % reimbursement on any unauthorized transactions, Chase has found me liable for the charges made on the XXXX XXXX XXXX and I can not determine how they arrived at that conclusion, when I requested this information, they sent me a copy of the bill that XXXX XXXX provided them. The bill does not have my name or signature on it. The bill proves nothing, which is seemingly enough evidence for chase to find that liability rest with me. Prior to the application of the {$1700.00} charges from XXXX XXXX my Chase account had a XXXX balance. Without notifying me, Chase has added late fees and interest rate bringing the balance to {$1800.00} in addition to reporting my account as delinquent. They led me to believe that the charges were suspended while under investigation. I am now forced to repay unauthorized fraudulent charges. I last spoke with Chase Bank regarding this matter on XXXX XXXX XXXX wherein they promised to contact me within 2-3 business days. As of XX/XX/2023 they have not contacted me. | ||||||
| 04/17/2017 | Yes |
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| JP Morgan Chase Bank XXXX XXXX XXXX for their Clients Good afternoon to all that are receiving this email. Below is a horr ifying story I shared with family & friends last night on XXXX & other sources of media. Just a side note, I 've already gone to my local news about how JP Morgan Chase Bank does not protect their clients like they claim to. An XXXX call me a couple of days ago saying she 'll look into it & do all she can to help me out & recover my funds, XXXX days later she calls saying Chase will not help out & I can file a complaint on the ftc.gov website. I 'm at a loss of a decent amount of money due to Chase Bank. The representative put me on the back burner for XXXX days, show XXXX empathy of my situation & then calls me XXXX days later, beats around the bush & then finally says Chase is n't helping out. My decision to proceed with this transaction was based upon the assurance from a Chase XXXX XXXX rep repeating numerous times " everything is good, they check out, they 're a LEGIT dealership '' his exact words stated a few times. XXXX / XXXX / XXXX my local news company is running a report of my interview about how poorly I 've been treated & how JP Morgan Chase Bank is just sitting in their multi-million/billion dollar office telling me tha t I 'm XXXX . I keep getting the run around from your institution, no one is comprehending a word I 've been saying, I the associates keep talking about things that are n't even relevant to my nightmare I 'm going with. I 'm besides myself right now on what to do, I keep hitting a dead end after another. I need for someone to read my story below & take me serious & who actually cares about customer service & will go the extra mile for their client . JP Morgan Chase Bank Co. i s a huge financial institution & I 've been a client of theirs for well over XXXX years, so it would be nice to be given professional business respect & due your part into looking into things & having my best interest. I 'd greatly appreciate some sort of contact/response back via email & or call back. Please restore my faith with this institution by showing me that someone with any kind of say so & can make things happen without continuing to keep passing me off & making me someone else 's problem. ATTENTION FB FAMILY, PLEASE READ ... XXXX What I 'm about to share with you all really really pains me & want everyone to be careful & do your research before making purchases online. I 've recently fallen victim to an online scam with a auto dealership in Alliance, OH which I had found through the XXXX website. The beautiful truck I had posted last week sharing with everyone what my new truck/baby looks like ended up being a huge scam & was completely unaware of such a thing until I had wired them a $ XXXX deposit. My auto loan was/is with Chase Bank or JP Morgan Chase Bank whatever they go by. After I was approved for my auto loan, a few a ssociates with the XXXX XXXX XXXX supposedly checked to verify the legitimacy of XXXX XXXX Auto Sales which entailed of them checking their website, business license, & dealers resale license. They all said everything was good, XXXX associate went as far as saying numerous times to me that everything looks good, they check out, & they 're legit. After sending them my XXXX & then not getting the rest of the documents that my bank was needing to cut them a check for the remaining balance, they were n't retuning my calls or emails, I contacted the XXXX in Ohio & the woman I spoke with conducted a background check on them while I was on the phone & found out that they 're in fact not a legit dealership, they 've operated under many different business names, she then contacted a friend friend of hers from the Attorney XXXX XXXX XXXX we found out that this group up scammers have been doing this for quite sometime & are currently under investigation with the FBI along with my case now. | ||||||
| 11/20/2020 | Yes |
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| I have two checking accounts at Chase Bank, and on XX/XX/XXXX XXXX found out that neither of these accounts can withdraw money. I immediately called the customer service and was told that my account was about to be closed and was now in a restricted state. The answer I asked about the reason was that they could not tell me the specific reason. After a few hours, I found out that one of the accounts was charged {$1000.00}. I called the customer service and were told that in XXXX, two people transferred money to me via Chase QuickPay, but after a while, they disputed the transactions. So Chase Bank directly charged the money from my account. I guess this may be the reason why Chase Bank closed my account. They think I am suspected of fraud. But in fact, those two people who transferred money to me were scammers. Obviously, the bank didn't investigate the matter in depth and just dumped the pot on me. So, I made a few more calls on the same day to ask why the account was closed, and the answer was still no comment. And they told me that the account closure was the final decision. On XX/XX/XXXX, I went to a branch of Chase Bank. The banker who received me asked about the reason and helped me call again to ask and got the same answer : no reason for closing the account and no room for negotiation. I asked banker if I would be notified when my account is officially closed, and her answer was no, which was ridiculous. On XX/XX/XXXX, I went to the branch of Chase Bank again to try to make a final defense, but the result was still the same. At this point, I completely gave up, hoping to get the money left in the account, but what was shocking was that they refused to return the money to me on the spot, because of the reason why my accounts are closing and ironically, they can not tell me the reason. So I asked banker, when can I get my money. The answer he gave was that after the bank cleared my account, they would mail the money to me in the form of a check. The whole process may take one to two weeks. As a bank, Chase Bank is very unreliable and irresponsible because : 1. Restricting and closing my accounts out of blue without even a notice. At that time, I only had accounts with Chase Bank. Closing the account meaning that I would lose all my money, so that I would not be able to pay the bills, the rent, and the tuition fees on time. This will make a serious bad mark on my credit score. 2. Disputes always involve two parties, and Chase Bank believes that I was fraudulent without conducting any investigation. As a victim, of course I understand who the fraudulent party was, but Chase Bank did not give me any opportunity to explain and prove innocence. And they didnt provide the reason for targeting me as scammer. Of course, I believe that they did not investigate whether the other party is innocent, so they just dumped it to me for convenience, which is unfair. 3. Forcibly seizing my money for a long time. Even if Chase Bank determines that I was a fraud and wants to close my account, even if Chase Bank wanted to take the disputed money from my account, they should return the remaining money that belongs to me. I can't imagine any reasonable excuse for them to hold my money for two weeks! As I said earlier, this is my net worth. I need the money to pay bills and rent, but Chase Bank doesn't care. 4. Mailing a huge amount of money through checks. Chase Bank said that the remaining money ( more than {$30000.00} ) will be mailed to me in the form of a check, which I think is very insecure. After expressing my concerns, they only said that they would send it again if they were lost. Chase Bank used to be my most trusted bank. But after this incident, I was very anxious and depressed, and I was seriously impressed with my emotions and life. I am very disappointed with Chase Bank and no longer trust them. If possible, I am willing to cooperate with all fraud investigations, but I can't bear the behavior of Chase Bank, which would dump me and forcibly close the account and seize the balance without investigation. | ||||||
| 08/02/2018 | Yes |
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| XX/XX/XXXX i requested via consumer rights to file a claim for a loan default. I tryed to talk with the company informing them they are required to deduct the principle from each loan installment i paid from XX/XX/XXXX to XX/XX/XXXX. I did that in XX/XX/XXXX. The amount the loan company was demanding to pay off the loan ppid deposit XX/XX/XXXX amt XXXX was amount in XX/XX/XXXX after installment payment i still had to pay $ {$940.00} after payment in XX/XX/XXXX as on the banking statement id. XX/XX/XXXX. . After the installment paid each month XX/XX/XXXX - XX/XX/XXXX {$50.00} is deducted from the PPID Deposit was {$950.00}. Months installments Paid from Chase checking were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX transaction id codification to omitt the letters and type written translations provided by claims department for chase is incorrect data and other form I have a internal financial of - indicator if you wish to contracdict the principle of the claim fraud and theft or mitigate your right as empowered over the consuemrs right. Consumer made 10 months of payments. 10 months x XXXX deducted from ppid deposit XXXX on XX/XX/XXXX { PPID } transaction id withrawels etc. Please revise your counter statements publications etc. If XXXX times 10 totals XXXX then i have no claim Now if XXXX x 10 months totals XXXX from { ppid XXXX deposit XX/XX/XXXX } if XXXX - XXXX is XXXX owed to pay off the loan then the document contract loan id i submitted at the time of fiancial lines claim was filed then i would have no claim. The loan documents state XX/XX/XXXX XXXX payment by checking statement system is loan id documents XX/XX/XXXX is {$650.00} then i have a right to claim fraud of deductions from date of transaction ppid id withrawel XX/XX/XXXX thru XX/XX/XXXX. Point 2 Document 2 chase claims uplaod fiancal lines and faxed to claims department XXXX fast cash claim XX/XX/XXXX i paid off the loan. with the above information provided in order to pay off the loan a {$650.00} withdrawel will need to be stated in cahse account withdrawel and the loan installment payment on XX/XX/XXXX is {$650.00}. Chase bank can not proivde a XXXX withdrawel XX/XX/XXXX thru XX/XX/XXXX. Point 4 Point 5 XX/XX/XXXX Chase bank denied the right to file claim. The financial indicattor fraud. identity theft. I have submitted all documents. After XXXX XXXX took the claim and i replied to the claim message a reversal was submitted. I am only responsible to repay the deposit XX/XX/XXXX ppid XXXX on XX/XX/XXXX or its a financial indicator. However Chase Bank is having a real hard time in oversight at anytime i file a claim. The last claim they overrule the US exchange commissioner on the claim submitted in XXXX before 30 days was up after the reversal Chase claims i can not file a claim and i have to pay XXXX to file a claim. The letter is prima facie by sentence per sentence so it does not means to much to contradict your challenge of money you do not control. A Chase teller contacted me after a bank transactions - part indicated we see - the General Attorneys complaint - copy. The PIU number is XXXX Claim no Chase retail or financial lines is Customer complaint claim no XXXX XXXX XXXX XXXX : Amt XXXX Amt returned XXXX, XXXX, XXXX Amt Chase is disputing reversal and override to call, me to authenticate customers id and information. to reversal fee returned allocating it is not within the time range alerting the system XX/XX/XXXX Message center. Then message center authenticated blocked etc The PPID Deposit rules the claim id Sworn Statement in Declaration already received by allocator of the Chase bank reversal. . I am not party to what it the claim rep would commonly allocate as a typographical error. I am not your party not your statistical allowances for the right you state after the claim has processed to a limitation. But if i were your best friend with a claim like that it would be freer. Just as a freer government in financial indicating.??? Sincerely, | ||||||
| 12/11/2022 | Yes |
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Web | Older American |
| My dispute is with Chase bank regarding a business card account in the name of a small business I owned for 31 years named XXXX XXXX and XXXX XXXX based in XXXX XXXX, XXXX The current card number ends in XXXX. I do not have the old or current full number of the card as I do not recall ever seeing this card. Chase alleges that I applied for this card in XXXXXXXX XXXX XXXXXXXX and gave my sister authorized use. I retired in XXXXXXXX XXXX XXXXXXXX and sold the business XXXX. I do not recall applying for this card but I may have as that was XXXX years ago. My sister may have applied for this card or she may have added herself as an authorized user. When I sold the business I asked if all the credit card accounts were paid in full and closed. She said yes. During most of the years that my business operated my sister worked as my business manager. I counseled my customers and she did the administrative work. In her capacity as manager, she had access to all of my personal information. After my retirement, I began to spend most of my time in a XXXX. My sister began handling all of my U.S. responsibilities including receiving and paying my credit card bills. I used a house we shared as my legal U.S. address. My sister XXXX suddenly in XXXXXXXX XXXX XXXX and I was executor of her estate. In this role, I discovered that she had been personally using the disputed card. At her death, the balance of the card was about {$17000.00}. The card was not overdue as she had been making regular payments. I called Chase and they asked me to file an identity theft report which led to investigation. During the past 15 months have made many calls to Chase with no resolution and was sent numerous letters saying there investigation determined that I was responsible for the paying the account. I have asked to see the application and they have not sent it. I recently was told why they think I am responsible for the account. In XXXX I called Chase to cancel my deceased husband 's credit cards as I was executor of his estate. In his office, I found a stack of cards from numerous banks and in my grieving state canceled at least 10-15 cards with Chase and numerous other banks. One appears to have been with the account in dispute. My husband was a partner in my business. They allege that I must have known about the existence of this card because I canceled it. The fact that I canceled one of many cards in my husband 's name and knew about one of them being used fraudulently is absurd in my opinion and I have no intention to pay for charges I did not make over an extended period of time. The balance as of XXXX XXXX is {$22000.00} with a minimum payment of {$2500.00}. I would like Chase to write off these charges made by my sister during her lifetime. They must have records showing she made these purchases and personally made payments up to her death and that no payments or charges have been made since her death. She apparently paid them thousands of dollars in interest payments over the years and it appears she was struggling to be responsible as her account and others were current at the time of her death. I am a XXXX XXXX XXXX widow, ( XXXX next month ) going through serious XXXX treatment who has found this situation extremely troubling as I am shocked by my sister 's behavior and at the same time heartbroken by her death. Chase has also recently cancelled two of my personal cards in good standing with them and did not notify me until several days later because of my nonpayment of this debt. One closed account made my supplemental health insurance payment past due which could have been a disaster for me personally if my XXXX cancelled my policy while going through costly XXXX treatment. It is my opinion that Chase has been both incompetent and unreasonable in their dealings with me. I have called and tried to resolve this matter at 8 least times and generally spoke to people who were incompetent or in several instances could not even find my case. Recently I was told to start my case over again. That's when I decided to write you. | ||||||
| 12/09/2021 | Yes |
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Web | Older American |
| On XX/XX/XXXX and XX/XX/XXXX My wife and I were scamed out of {$80000.00} thur two international wire transfers. I am a XXXX XXXX who less than one month before this scam had XXXX XXXX XXXX XXXX and at the time of the scam was compromised due to prescription XXXX The scam occurred starting on XX/XX/XXXX when the fraudsters advised me by phone that I was being charged {$400.00} for a computer software program and I could not stop the charge because it had already been processed I advised them - I did not order their product/ did not want their product and would not pay for it They advised me they would help me apply for a {$400.00} refund. after attempting to apply for the refund, which would not work- they stated they would have their computer dept assist me in applying for the refund. At which time I allowed them access to my computer to process the refund. They entered {$40000.00} instead of {$400.00} The money was in my Chase account and I thought I owed thenmthe XXXX minus the {$400.00} refund I processed an International wire transfer to the account - with the routing # 's and swift code they provided On XX/XX/XXXX - they ( the fraudsters ) advised me that since our account was still tied to their account another {$40000.00} transfer to my account had beed process. AGAIN THE MONEY WAS IN MY CHASE SAVINGS ACCOUNT and I again processed another international wire transfer to the same account informationand location they provided the day before. OnThursday they contacted me again by phone and advised that they had processed another $ transfer to my account- this time in the amount of {$100000.00} and yes THAT AMOUNT OF MONEY AGAIN WAS IN MY SAVINGS ACCOUNT. At this point I realized we were being scammed- I WAS NOT REALLY SURE HOW - BECAUSE THE MONEY WAS IN MY SAVINGS ACCOUNT AND PROCEEDED TO THE LOCAL CHASE BANK AND MEET WITH THE BRANCH MANAGER - XXXX XXXX She closed all of our Chase accounts and I hired a computer repairman to stop all outside computer access to our computer. We contacted the local police dept while at the Chase bank and file a police report, as well as an FBI report and a FTC report and an IC3 report. We immediately started working with the Chase fraud dept and provided ChaseXXXX bank with all reports and copies of the actual International wire transfer request. The reason I feel so strongly that Chase bank should resolve this claim is that the local Chase branch manager - XXXX XXXX supports our claim and has advised the Chase Executive office by e-mail dated XX/XX/XXXX that the coding for the transfers into our Chase saving account was in fact being transferred from our active XXXX account, but the coding was listed as a credit memo - which she had not seen before SO CHASE BANK BRANCH MANAGER COULD NOT IDENTIFY WERE THE MONEY WAS COMING FROM - SO HOW COULD I AS THE CUSTOMER KNOW THAT THE BOTTOMLINE THE FRAUDSTERS NEVER TRANSFERRED ANY MONEY TO OUR ACCOUNT BUT WERE INFACT TRANSFERRING MONEY FROM OUR HELOC ACCOUNT INTO OUR SAVINGS AND MAKING IT APPEAR AS IF THE MONEY WAS FROM THEM - THE MONEY I WAS WIRING TO THEM WAS OUR OWN MONEY The Chase Fraud dept referred us on to the Chase Executive office ( e-mail XXXX ) which set up our case # XXXX Chase bank refuses too resolve our claim in the amount of {$80000.00} due to this scam In the spirit of being fair - I formally notified the Chase Executive Office XXXX XX/XX/XXXX ) by e-mail and offered to split the loss with Chase bank - I would pay {$40000.00} and Chase bank wave or reverse the other {$40000.00} On XX/XX/XXXX by phone the Chase Executive Office refused my offer to split the loss and the reason stated was that the money was not recoverable - that reason makes no sense of course the money was not recoverable on XX/XX/XXXX for a wire transfer that took place XX/XX/XXXX and XX/XX/XXXX This complaint is clearly a scam and should be protected under 12 CFR part 1005 ( Regulation E ) Chase bank should step up to meet their obligation per the above standard I am still willing to split the loss 50/50 with Chase bank to resolve this matter | ||||||
| 01/04/2018 | Yes |
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Web | Older American |
| I recently filed complaint # XXXX, and the response filed by Chase was neither accurate or truthful, and their offer of solution is not acceptable due to the lack of explanation and disclosure by their loan officer. The response from Chase is completely inaccurate as to the performance of XXXX XXXX as loan officer and his conversations and explanations with regard to the appraisal and the value of my property. XXXX XXXX did discuss the appraisal with me, and the appraiser, and told me that there would be two people doing the appraisal as one was training and was not qualified to do the appraisal alone. Only one person arrived at my home to do the appraisal, and he was here less than 20 minutes, and used comps that were more than six months old. I myself provided XXXX XXXX with current comps, which indicated the value of my property to be in the area of {$190000.00}, as well as a copy of the appraisal done in XX/XX/XXXX, which valued the property at {$180000.00}. I also provided XXXX XXXX with a letter from another refinance source estimating the value of my property at {$210000.00}. Additionally, I have done approximately {$10000.00} of improvements to the property since XX/XX/XXXX, and property values in XXXX, ID have increased by at least 17 % in the last three months, so there is no way to have lost over {$8000.00} of value in my home. I did receive the counter offer from Chase in the mail, and took it with me when I was called into the office in XXXX by XXXX XXXX to discuss the loan. XXXX XXXX called me in to clarify my trust, and my XXXX XXXX credit account, and when I asked about the letter from Chase, XXXX XXXX disregarded it, and did not review or explain it. XXXX XXXX called around XX/XX/XXXX to inform me that closing would be done through XXXX XXXX what my new mortgage payment would be, and that I would not have to pay mortgage payments for XX/XX/XXXX or XX/XX/XXXX. When I told him I had already paid my XX/XX/XXXX mortgage, he stated that it would be refunded to me with any excess additional fees. I received calls from XXXX XXXX the same week to arrange and finalize the closing, and a mobile notary came to my home on XX/XX/XXXX to sign the closing documents. He left a Notice of Right to Cancel letter, and explained I had three days to exercise my right to cancel. I received a check from XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}, which I assumed was the refund of fees that XXXX XXXX mentioned earlier. The letter mentioned that creditor checks could also be enclosed, but not creditor checks were included. I assumed that Chase would pay off the credit cards internally, and since I bank on line, watched the accounts on line for pay-off. When the cards were not paid by Friday, XX/XX/XXXX, I texted XXXX XXXX to ask when the credit cards would be paid. XXXX XXXX responded that I should have received checks from XXXX XXXX to pay the credit cards, and he would check into it as soon as he finished with his clients. XXXX XXXX called me on Monday, XX/XX/XXXX to tell me forms for my trust that needed to be signed. I asked them about the creditor checks and they said there were no checks for Chase. I again texted XXXX XXXX, and his response was that he saw no checks either and was looking for the error. XXXX XXXX called me on Tuesday, XX/XX/XXXX, finally informed me of the low appraisal, the loan counter offer by Chase, and thus the lack of available funds to consolidate the credit cards. When I asked what he was doing to correct it, he blamed the notary for not explaining, and me for not exercising my Notice of Right to cancel. XXXX XXXX then referred me to his supervisor, XXXX XXXX who did not return my call, and thus this complaint was filed. My entire purpose in refinancing was to pay off those credit cards, and XXXX XXXX lack of disclosure obviously violates truth in lending laws put it place to protect the consumer. And the offer of {$500.00} refund of processing fees is an insult to my intelligence. The least acceptable solution would be to pay off the credit cards as originally agreed. | ||||||
| 09/06/2017 | Yes |
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| in XXXX my girlfriend and I had a baby. We got married in XXXX. XXXX my wife and I fed up with dealing with slumlords decided we want to get a house of our own. We started talking to real estate agencies and already had our house picked out. Having poor to no credit. The realitor was sure he could get us in. New to the whole process my wife and I as most people were unaware that this meant falsifying certain information to better my credit such as proof of income. Then writing letters to collections agency denying using their services for what they were trying to collect payments and therefore I was exempt from paying those debts. It did n't seem possible that this was allowed or even legal but this helped us to get the home we wanted and we were so happy. Little did we know this type of lending then created a bubble in XXXX and markets crashed in XXXX. This meant that I would have less work. People were spending less money we were in a recession. I started having trouble making my mortgage payments. I lost what little equity I had, and the home that I would be paying {$170000.00} for after 30 years was now only worth {$30000.00}. It did n't matter though it was our home our credit our life. I went to the realtor to find out my options as I did not want to ruin my credit and lose my home. They said we could do a short sale, and lose file bankrupt n lose or try to refinance. I called my mortgage lender asked about modifying my loan or refinancing using equity anything I could do to no avail as they refused to help me and continued to deny my requests.Hurricane XXXX came in XXXX at this time in XXXX XXXX they were still rebuilding and cleaning up the mess. I left my home and my wife and daughter to go to Louisiana as I had an opportunity to help make a difference and save my house. I called my mortgage service to let them know I had the back payments to save my mortgage. They informed me it was too late they had already sent it to foreclosure and I need {$2000.00} more now to pay their lawyer fees even though the president of the United States then issued a stimulus to the banks known as a bailout. So the bank gets to take advantage of a young ignorant couple XXXX them over and they get bailed out? That does n't seem right. It 's been ten years now and I 'm still trying to recover. I ca n't even finance a lawnmower. I tried and was denied and this was even more upsetting lol. In XXXX I believe it was I received a package in the mail from the NationalMortgage Settlement Association. It said I was receiving this settlement as a result of my States attorney generals office having sued my mortgage company and this did not exclude me from seeking further compensation or them from further prosecution including CRIMINAL. I then went to the website and called the number on the settlement to find out more about it and was asking about the loss of equity portion of the settlement as I was not receiving it. That led me to do more of my own research the more I realized how foolish I am and how predatory financial systems are. I grew furious as I want it to change and I feel so small and insignificant. What can I do? I do n't have money for lawyers. So I called the mortgage lender in question. Explained to them my situation and my position. I asked that they give me the money back that I borrowed and they robbed me of. I asked that they be willing to try to make it right and atleast fix my credit. I told them I did not want to go to court and asked that we settle this out of court. I am still waiting for my answer and beginning to feel impatient. Not like they would do the same for me when they feel I owe them a debt. So I am going forward with persistence. I contacted my attorney generals office through e-mail and they guided me to you so here I am. Can you help me? Am I being unreasonable in asking they give me the money I feel they lent me then took. Also I never went to them for a mortgage and not sure how I even got involved with them. They must have bought my loan? Is that allowed without my permissions or knowledge? | ||||||
| 12/06/2023 | Yes |
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| I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. On XX/XX/2023 I submitted an application to Chase which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, Chase has unjustly refused to grant me access to the credit line I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted Chase permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Chase has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Chase has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Chase has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Chase upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided. | ||||||
| 11/14/2016 | Yes |
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| My research project ended in XX/XX/XXXX at a state university, so I got my last paycheck on XX/XX/2016. I use my retirement fund to pay bills. 1 ) On XX/XX/XXXX, I applied for Chase mortgage assistance since we can not pay {$1900.00} mortgage for a long time. In my application, I listed monthly gross wage {$1000.00} XXXX wife 's salary ). 2 ) In a letter on XX/XX/XXXX, Chase had a ). question on my income in XX/XX/XXXX, I said I did n't have income after XX/XX/XXXX. b ). another question on my IRS tax return form on our rental home income, but this home was sold. 3 ) On XX/XX/XXXX, Chase needed my XXXX form in XX/XX/XXXX. Before my application, I had a mortgage assistance checklist. Why did n't Chase list this document in the checklist? I feel Chase intentionally delayed our applications, while every applicant was suffering the income loss/reduction. Chase needed an income/loss statement for my company, while I did n't earn any money. So, I faxed XXXX documents to Chase on XXXX. 4 ) On XX/XX/XXXX, I received another letter : XX/XX/XXXX ) They asked the same question -- what was the rent income in your tax return? XX/XX/XXXX ) They asked for my current paycheck stub since the " document they had has expired ''. Again, I told Chase I did n't have income after XX/XX/XXXX. They asked us the same questions again and again -- sound we 're providing faked information. XX/XX/XXXX ) On my income/loss statement, Chase stated it must be signed and dated by all persons. Why did n't they tell me in the previous letter? 5 ) In a letter on XX/XX/XXXX, or after 3 months of my initial application, I was informed my application was declined due to high income. I received this letter in the end of XX/XX/XXXX, but found my appeal deadline was XX/XX/XXXX. 6 ). HOW CHASE FABRICATED MY INCOME. In the decision letter, our monthly gross income was {$3400.00} -- Chase fabricated it and used this faked income to decline my application ( I only listed {$1000.00} ). I called Chase mortgage many times and they sent me a letter on XX/XX/XXXX to explain their decision. They used my " gross income '' in my XX/XX/XXXX XXXX form {$45000.00} ( fraud information # 1 ). In my XXXX form box XXXX, my gross income was {$40000.00}, while box XXXX was my social security wag {$45000.00}. A Chase staff did n't know the difference? No, they fabricated my " high income ''. They decided my gross monthly income in XX/XX/XXXX as {$3800.00}. Chase " invented '' a formula : my CURRENT monthly income= {$3800.00} ( XX/XX/XXXX income ) - {$1300.00} XXXX from my company loss ) + {$1000.00} XXXX wife 's salary ) = {$3400.00} XXXX fraud information # XXXX XXXX. I calculated many times and I have a Ph.D. degree, but my result is {$3400.00}! Chase staff 's math is so POOR because their professional ethics is poor. 7 ) MORE FAKED INFORMATION : Chase claimed I " was expecting a new grant in next XXXX months '' ( fraud information # XXXX ). But in my application, I wrote " could not get any new grant in next XXXX months. Or no salary situation will last at least XXXX months. '' Indeed, from XX/XX/XXXX to XX/XX/XXXX or 6 months, I did n't get any research grant and it 'll last at least another 5 months! 8 ) A DISCRIMINATION CASE OR SYSTEMATIC FRAUD TO ALL APPLICANTS? An applicant applies for mortgage assistance due to income reduction or loss in THIS year. But Chase used last year 's income, so no one can get assistance since last year 's income was always enough, otherwise we applied in last year. Chase 's " income invention '' also contradicts scientific principles since today 's income is mainly determined by last year 's income. I believe from long application delay and inventing an income formula, Chase systematically denies most applications. Because if we get mortgage assistance, Chase will lose mortgage interests right away. I request you 'd get all Chase 's applications with the same time with my application to determine 1 ) Chase 's systematic fraud or 2 ) A special discrimination case to me, since my name is a typical foreign and XXXX name. Thank you. | ||||||
| 03/01/2019 | Yes |
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Web | Servicemember |
| On XX/XX/XXXX at approximately XXXX XXXX, I received a call from XXXX XXXX of XXXX XXXX XXXX. He stated that I had a credit card debt that had already been through collections and now they were going to collect the debt. The supposed debt was a credit card through Chase Manhattan Bank. Much of this conversation is a blur because I was surprised by the call and his aggressive behavior. When I stated that there is no way this was my card/debt, he informed me that it was because it was tied to my ssn. When he read my ssn back to me I was shocked. I informed him that I don't know where he got his information, but I had never had an account of any kind with Chase, ever. He stated that if I didn't pay {$2100.00} that this was going to be report to the credit bureaus and they were going to take some other action which I didn't understand. He also informed me that the collection agency had sent letters to 3 different addresses. I never got any letters. Never received any phone calls. We argued for a little longer and I told him I wasn't doing anything until they sent me something giving me some more information. At this point he told me for like the 5th time that our conversation was being recorded and that he needed a minute to email me what I was asking for. He stated that if I hang up while he is sending the email, that they would move forward with the process. I have attached the letter he emailed. What I found interesting is the card number is only 15 digits. At that point I was done with him. On XX/XX/XXXX, I called XXXX to educate him on some information that I had gathered. I did not get XXXX, but got his boss instead. I informed her that I had spoken with Chase and that they have no record on any accounts tied to my ssn. We checked multiple ways and nothing. I did not get her name, but she wasn't listening. She said it was my debt and that they had bought the debt from a collection agency. When I asked what collection agency, she would not tell me. When I told her that the credit card number she was trying say was mine only had 15 digits in it, she gruffly responded, " that doesn't matter ''. I'm pretty sure that proving that I have debt would require an actual card number. Some where along there, she informed me that this debt is from the XX/XX/XXXX 's. Nothing specific, just the XX/XX/XXXX's. " Oh he didn't tell you that? ". When I told her about Chase saying I never had an account, she said very condescendingly that back then it was Chase Manhattan and today it is Chase. She is absolutely incorrect on that statement. They would not have any records for debit from back then. No he did not. She made sure to tell me that if choose not to pay, that we will end up in small claims court. She repeatedly asked me, " are you saying you are not going to pay? '' I never once said that. I asked repeatedly for the signed application, what the charges were and where they were made. I was told that I had the only information I was going to get. I have now spoken with 3 different representatives from Chase, the last 2 were made to understand her comments about the debt being from the XX/XX/XXXX's and that they would not have any records of it because it was Chase Manhattan. They almost laughed. None of them came up with an account of any kind tied to me in any way. I have looked at 2 of the 3 credit reports and it shows no collections, no account with Chase, nothing. I spoke with a representative from XXXX today and she looked in all the places she could look and she found no collections, no Chase, nothing. This is XXXX and I do not know how they can still have an actual license to operate from the State of Illinois. They are nothing more than apparent legal crooks. I never received the first letter, call, nothing from anyone. And, oh ya, XXXX did a credit check on me on XX/XX/XXXX and XX/XX/XXXX. The kicker is that they did a credit check two years ago as well. Now why do you suppose they did that? I have never had even a late payment in all the credit I have ever had, let alone an account go to collections. | ||||||
| 10/16/2017 | Yes |
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Web | Older American |
| Dear Sir, Madam I have been with Chase since XX/XX/XXXX-XX/XX/XXXX. I moved from XXXX to XXXX, XXXX XXXX, and did not want to change bank. There is no Chase ATM in XXXX where I live. So, the choices are either to go to the branches that are in XXXX or XXXX, or make deposits through cell phone. I used all three of these options. When I re-opened my account in XXXX in XX/XX/XXXX, in response to a piece of information the personal banker was giving me about overdraft fees, I let her know that I appreciate Chase having this service, that I have used it in time of need, but it has cost me a lot of money because of the various fees Chase charged me ; that I will try to stay clear of the overdraft protection program. So, when I deposited checks from my cell phone, I made sure that Chase acknowledges them before I start making purchase. I even, at times, called my contact at Chase to ask if Chase received the check, and how long it takes the bank to acknowledge a check so deposited. Her reply was " one day ''. However as my camera broke, and was out, I had to send the checks through US Mail. Again, also in this situation, I would call my contact, sometimes, at Chase to make sure that Chase deposited my checks. Prior to this, already when I put the checks through US mail, I would ask clerks, at the Post Office, how long it would take from my mail to be in XXXX. Their responses were always " a day ''. I would then wait one more day, or call my Chase contact to make sure my deposit was acknowledged by Chase before going out. So, by XX/XX/XXXX I estimated that if I sent a check through the mail to Chase, within two business day, the money should be available. In XX/XX/XXXX-XX/XX/XXXX, I had some unexpected expenses to face and re-instated the overdraft fees, as the personal banker told me I can do from a computer by myself. But still, the overdraft fees I was charged in XX/XX/XXXX seemed not totally justified. I called the banker I was in touch with at the XXXX branch, and asked her if she could waive those fees. She refused. I did not keep a good track record of my finances then, so I let those charges stand. In the early part of XX/XX/XXXX, my check was late in coming from the Workers ' Comp Board but I still have to run my errands, so I was charged overdraft fees. I called my Chase contact to explain to her the situation. She said she would waive only some of the fees. Which she did. During the course of my interactions withe her, I asked my Chase contact if she could give me an estimate as to how long it takes Chase to acknowledge receiving a deposit made through US Mail, she replied that she can not. As soon as I got the late check and two other checks that came thereafter, I went to mail them. So, it was a big surprise to me that on XX/XX/XXXX, when I checked my account, it was {$230.00} negative. I had deposited at least a total of {$880.00} from XX/XX/XXXX to XX/XX/XXXX. I immediately sent an email to my contact at Chase to express my surprise that my account is in the red and let her know that I will be filing a complaint with Federal authorities. It was early in the morning on XX/XX/XXXX. I then checked a few hours later, the overdraft fees were reduced to {$56.00}. The next day, on XX/XX/XXXX, Chase e-mailed me with two notices. of " Insufficient funds ''. I have received those notices in three months. The same day still, Chase acknowledged the latest of my deposits.This was a check of {$280.00} which I put in a US Post Office box on XX/XX/XXXX. I also would like to add that the Workers ' Comp Board does not make direct deposits to my bank. I firmly believe that Chase has engaged with me in unfair practices and want to push out, through its door because I am not an important customer of it. That is why it is charging me those fees that are largely unjustified. Even my contact will not tell me how long it takes for Chase to acknowledge receipt of a check sent through the mail. I will be grateful for any redress you may deem appropriate. 'I thank you for your time and attention. Regards, XXXX XXXX XXXX | ||||||
| 08/07/2021 | Yes |
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| We put down a deposit to reserve two boats for a large group trip ( 24 people ) to the XXXX. The deposit was made on XX/XX/XXXX to XXXX XXXX XXXX ( dba XXXX XXXX XXXX ) ( the Merchant ) in two individual transactions of {$2000.00} for a total of {$4100.00}. Because of the pandemic and travel restrictions that were implemented around the world after our deposit was made, the agreed-upon date of travel was XX/XX/XXXX through XX/XX/XXXX. In early XXXX, we began ramping up planning efforts for our trip. This planning required close coordination with the ever-changing travel rules and regulations due to the pandemic ; our large group ; and ( most importantly ) the Merchant. Throughout this process, the Merchant was extremely non-responsive and would frequently leave our calls and emails unanswered for weeks at a time. This basic lack of communication and responsiveness from the Merchant persisted until early XXXX when we reached an inflection point where a decision had to be made. Without adequate input from the Merchant on planning the core activity of our trip ( e.g. the boat rental ), our group could not continue to move forward with scheduling time off from work, booking airline tickets, and reserving lodging on either side of the boat dates. On XX/XX/XXXX, we notified the Merchant of our intent to cancel the trip and requested a refund of our deposit. Despite our efforts to communicate with the Merchant via both email and telephone, we had not heard back from them since XX/XX/XXXX. That is over three weeks without response when we were just a couple months away from a major international trip. After notifying the Merchant, we finally received a response on XX/XX/XXXX indicating that they would not refund our deposit and if we cancel our trip then our deposit would be forfeited. If you visit the Merchants website ( XXXX XXXX XXXX ), they promise unrivaled customer service excellence and friendly, professional and knowledgeable teams. In our experience, the Merchant is unprofessional, negligently non-responsive to the point where planning for a trip on one of their boats is impossible, and clearly not delivering the services promised. So what now? Fortunately, we made the deposit with our Chase credit card and this is a clear " not providing the services promised '' scenario that would typically warrant a positive dispute claim by any reputable credit card company. We contacted chase customer service and were told that even though the agreed-upon date of travel had not yet passed, too much time had lapsed since the original transaction to open a dispute. This is obviously because of the pandemic, which is clearly not something we can control. We raised this to a supervisor to inquire if there was some way to manually open a dispute so we could at least present our claim. We were told this was " not a possibility '', that the pandemic was not a valid reason for an exception, and were refused an explanation when we asked why. We were advised to *snail mail* or *fax* Chase to pursue it further, but aside from that, there is no other avenue for us to pursue. Since this conversation, I have reached out to 20,000+ people via a Chase-themed XXXX XXXX and am finding that there are many people going through similar situations. Predatory companies like the Merchant are refusing to refund travel deposits but will allow " rescheduling ''. When the time to reschedule arrives, they are uncooperative or non-responsive and the consumer attempts to dispute the transaction for not providing the services advertised. Credit card companies then play the " too much time has elapsed '' card even though the agreed-upon travel date has not yet passed. In the end, the consumer takes the financial hit during a time where individual finances are anything but certain. I'm baffled that the original Merchant - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - wouldn't give us a refund. I'm even more confounded that the mighty Chase Bank is attempting to hide behind technicalities and not standing by their customers during a global pandemic. | ||||||
| 05/16/2023 | Yes |
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| As a result of my previous CFPB complaints ( XXXX and XXXX ), Chase Retirement services, provided me with a blank Traditional IRA Distribution Request by Beneficiary form. Below are the errors by Chase Bank : 1- On XXXXXXXX XXXX, Bank Associate , XXXX XXXX only faxed one side of the double sided form at the local Chase Branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Hence, the referenced missing pages 2,4 and 6 in the follow up letter from Chase Retirement Services which I have attached dated XXXX XXXX XXXX.The entire list of missing items in this letter are due to the missing pages as mentioned. XXXX XXXX, the Multi-Site Branch Manager was also present. 2- I was notified by representative XXXX XXXX during a follow up call on or around XX/XX/2023 that Chase Retirement Services had provided me with an " outdated '' form '' and that once again I would have to complete another form! XXXX suggested I go into my local Chase Bank Branch ( XXXX XXXX XXXX, XXXX XXXX, Fl XXXX ) and request the updated form that I should have been provided with the first time. In or around, XX/XX/2023 I went into my local branch located atXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXand met both XXXX XXXX and XXXX XXXX and informed them what had happened re : Missing Pages of Fax and Outdated Form. XXXX XXXX stated that the missing pages were not their fault and it was the fault of Chase Retirement Services. It became clear that the missing pages of the double sided form were 2,4 and 6 ... the back sides of each of the 7 pages. I strongly suspect that XXXX XXXX had only faxed one side of a double sided document. Additionally, When I asked another Associate Banker XXXX XXXX who was also present at that Chase Bank on XXXX, why she never notified me about getting alerted in her email ofChase 's error ( the form and missing pages ) I was told that XXXX had inaccurate contact information for me and was unable to reach me. This was bewildering as all of my current contact information was on the first page of the form that was faxed from that very same branch. Due to the errors made by the Associate Banker, I felt more comfortable and confident to ask XXXX XXXX, Multi-Site Branch Manager to assist me. On XX/XX/2023 I emailed XXXX XXXX requesting an appointment with her to just simply ensure the document was faxedcorrectly. XXXX XXXX called me at XXXX on XX/XX/2023 in reply to my request for an appointment and refused to assist me in faxing theform for me, stating that she does not have " any '' time to meet with me as she has workshops and multiple branches to look after. Stunned, I pursued in our conversation as to why she couldn't give me 10 minutes of her time and her reply was " It's nearly closing time before a weekend and I don't have time to discuss why with you ''. She continued with, '' My associates are competent and faxing is their job to do, not mine. '' I subsequently sent a follow up email on XX/XX/2023 to XXXX XXXX letting her know of my disappointment. XXXX called me back shortly thereafter and told me that she is unable to send out any reply emails to customers so I responded to her voicemails in writing via email. On one occasion on XXXX, I answered her call. In response to one of my emails requesting a reply in writing, she replied, " I can not send out any sort of letter. '' When I asked her to repeat it, she accused me of recording her - ludicrous! I have also attached these emails for your reference. Additionally, I have a voicemail from XXXX XXXX on XX/XX/2023 after she viewed the email regarding XXXX XXXX actually suggesting I go back to the XXXX XXXX ( the associate that only faxed one side ) to fax my updated form. On XX/XX/2023 at XXXX, I went to a local alternative Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX as I made an appointment to meet with XXXX XXXX who subsequently faxed the new updated and completed form. XXXX also stated that she mailed a copy as well to Chase Retirement Services. Incidentally, XXXX XXXX was present at that branch when I was there. | ||||||
| 02/09/2019 | Yes |
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Web | Older American |
| I feel I have been abused by my CC company. I feel damaged, Chase has not helped me to resolve this issue. It is a {$270.00} disputed charge. Below are the details of the transaction that took place. In summary, I received an order from a company that I never ordered. I refused shipment from XXXX. XXXX returned the packages and the company received shipment with signature. I notified my CC company within a few days of the dispute. I sent all the required documents to the CC company at the address they gave me. The mail was returned to me as they listed the incorrect address on the form that they gave me to send to them. I then FAXED the same information. They claim they never received so I re-FAXED the information again. This time they received but claim they could not read the tracking number I sent. They never let me know their was an issue with that, they simply credited back the vendor. Even though I have responded to all Chase requests as instructed, and I have sent all my documents, including XXXX tracking, letter of detail explanation, and receipt that the company has received the merchandise back that I never ordered in the first place, the Chase CC company will not stand behind me to protect me. Chase says it is too late to deal with it any longer ( after Chase delayed the whole process several times ). I pay a {$450.00} annual fee to this CC company for this card. Below is the explanation letter in detail I sent to them with no positive response. Dispute information regarding Chase Sapphire Reserve account. ending in XXXX, XXXX is the vendor. XX/XX/2018 I have never ordered anything from this company. Anticipating that I may order in the future, I had my credit card automatically logged into their website unfortunately. I received an email on XX/XX/XXXX from this company saying that they received an order from me. It was for three bottles of essential oils, I NEVER ORDERED THIS PRODUCT, and in fact, have never even heard of this product or know what it is! I tried to call them immediately to say I did not order and this is a mistake, but their voice recorder says they will not take calls and I must email or chat online. I immediately went on chat, they told me their was no way to stop the order and that it has shipped already, but if I did not order, no problem, just refuse the shipment when it comes. I ALSO sent an email immediately explaining also the above and that I would refuse shipment if it had already been shipped. I received a standard copy email back saying that they received it and will turn it over to their fraud division. I never heard back. I removed my credit card from their website instantly when this happened. In the meantime, this shipment came in TWO packages on different days. I was not home so XXXX dropped both shipments off at my doorstep ( 2 consecutive days ). I never opened them, just took them immediately to a XXXX local shipment office and said I was refusing these two packages. One was sent from the XXXX XXXX XXXX office, the other the next day from the XXXX and XXXX XXXX XXXX office in XXXX. The first one gave me a drop-off package receipt ( attached ), the other office said I did not need a receipt, it was to be shipped back under the same tracking number as refused. ( I have attached the record of that last shipment as received on XX/XX/18 at their office in XXXX, PA by a XXXX. ) I made several attempts to chat with them online and also emailed several times to follow up telling them that this was their mistake, it was fraud, I never ordered anything and refused the packages, I never heard back except to get standard copy email back saying they were working on it. This is total fraud. I have never ordered these things from this company, I never authorized this charge on my credit card, I refused the packages and had them sent back with receipts immediately unopened. I have offered communications also by phone and email and chat, getting nowhere. I am absolutely continuing this fraud dispute, and I will go to my attorney next. Regards, XXXX XXXX | ||||||
| 07/12/2023 | Yes |
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| XX/XX/XXXX deposited check # XXXX In the amount of {$2800.00} from XXXX XXXX, a company that my friends XXXX and XXXX XXXX own. These are friends I have know for 14 years, They have had their company registered since XX/XX/XXXX and had the phone number used for this company since XXXX. A hold was placed on the check, which I full expected and complied with. XX/XX/XXXX I tried to transfer money I had in the savings account prior to the deposit of the check to cover some bills I paid. It would not let me transfer and I thought it was an error in my Chase App. XX/XX/XXXX, the payments came through and made my checking account overdrawn. I called to see why I could not transfer money and I was told my savings account was restricted due to not being able to verify the owner of the check. I confirmed the phone numbers with XXXX and XXXX XXXX and they confirmed the phone number was correct. I was being asked all sorts of questions as if I was trying to perform something illegal. I explained I was loaned some money for car repairs. I was told that they would not even call the number because it was not coming up as a verified number in the database you use. I asked why the rest of my money that was in the account prior was locked as well, they could not tell me except it was restricted but I could go into the branch and transfer money with a teller. After I got off work I rushed to the branch and transferred the money to avoid any overdraft fees. I then decided instead of pestering the phone reps I would just wait for the check to clear the bank, thinking that would resolve any issues. On XX/XX/XXXX my friends informed me that the check had cleared their business account. On XX/XX/XXXX after the holidays, I called to find out when the check would be released because it had cleared their bank. I was told it was still under review and to call back tomorrow. On XX/XX/XXXX I saw that the funds had been released in my Chase app so therefore I did not call back, and I began getting estimates for my repairs. I want to note that I am moving to XXXX XXXX on XX/XX/XXXX and needed these repairs done before I moved. On the evening of XX/XX/XXXX, I checked my account and saw that both the check of {$2800.00} and the remaining amount of my savings {$780.00} had been deducted from my savings account and {$780.00} was placed in my checking account. By the morning of XX/XX/XXXX, my savings account had been closed. Mind you, no notice was ever given to me. I called back and asked the representative to just refund the money to the originating bank so they could get me a cashiers check instead. I was told the only way to resolve this was to have my friends go to their bank and do a stop payment on the check and issue me a new check. I said I would do that, and they would get me a cashiers check but I will be closing my accounts with Chase. XX/XX/XXXX, they spoke to their bank XXXX and asked for a stop payment. The bank told them that was impossible because the check had already cleared, and Chase had the funds for almost XXXX weeks. XXXX also told them they had no idea what database Chase was referring to in order to verify the business phone number. At this point it is too late to get the repairs done on my vehicle and I am going to have to tow my car to XXXX, Texas. XX/XX/XXXX, I called to resolve the situation and was told that the check was suspended and they would not release the funds until they could verify the phone number. I asked to speak to a supervisor and was told the same thing. I asked what database they are using to verify the phone number and she said she could not tell me that. So I explained, that I personally can not change the database to add this number, and I am literally stuck. This is money I have to pay back and I cant access it for my car repairs. They said it could come back as fraudulent for up to 6 months. I have banked with Chase for 30 years and have never done anything for them to think I would deposit a fraudulent check. It is humiliating being treated like a criminal when you are not. | ||||||
| 04/22/2022 | Yes |
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| At the beginning of XX/XX/2022, to be more specific, on the XXXX and XXXX of the same month, certain individual transactions of XXXX dollars were made to two different people from my bank account for a total amount of XXXX dollars, the first for someone named XXXX and the second for XXXX. To be honest, I have never listened to those people in my life. As I did not receive any notification from my Chase bank, which is very strange for me. I could notice the lack of money in the middle of the month like the XXXX. I immediately called the bank to find out what was going on. The transactions were made by XXXX, the thing is that I don't have the XXXX app, but I used to use it directly from my chase account, because both are linked or work together. I do not get it. I will emphasize that XXXX is not my first language, I was very scared since I did not handle it perfectly since it was not necessary for me to use it constantly and that I worked with Latinos. So in the first call I took the initiative to try to explain my information in XXXX and that it takes a long time to wait for a translator and I had to go to work in less than 2 hours, so I did not want to keep delaying what happened. Which was a total failure as I came to understand because everything I tried to say, I said wrong and the person didn't understand. I remember that I was trying to explain to him, that I realized that the money was not there because that money was to pay the rent for my new apartment and it was not there. And that I thought someone had fraud or scam with my account. But the other person on the line understood that I made these transactions to pay the rent for my new apartment and they scammed me. I found out about it by waiting 2-3 weeks and still no response, so I called again, one day off from work. and this time I did wait for a translator, because to be honest I didn't understand much on the first call. This girl told me what the first guy thought she was saying, so I correct her and she makes a new claim, but this time with the new information, it took me about 2 hours on the line. After again waiting the requested time, 2-3 weeks, I still have no answers. It is literally the end of XXXX and I have no information on what happened. So I make the third call, and another girl explains to me that the one on the second call never finished my report. I remember that I was very angry, because I was waiting for an answer. Because of this incident, I couldn't move to the deposit due to lack of money, so the man who wanted to rent me couldn't wait. Again the girl from the third call tells me that she will make me another report and that she will give me the amount of XXXX dollars to which the case is investigated, as a credit. Days or weeks later I receive the money. Since the money stayed in my account for a long time, I thought the problem had been solved. But no. Again without receiving a call or information on the case. I saw Chase charge me {$2000.00} for XXXX transactions again. I call back for the fourth time, and ask the girl what happened. She tells me that since the money came out of my electronic device, nothing can be done and that I have to take responsibility for it. I had previously explained several times that the phone was always with me, that the only strange thing was that I received a lot of unknown links, and I had seen some of them, which only showed me a blank page. The bank honestly didn't care. So I asked what kind of investigation they did, why don't they give me a valid answer, who has the money? Who are these people? What bank address was it deposited to or which bank? So they told me they didn't know, like they didn't care to look into it. Asked the girl what she could do and she told me she doesn't know, possibly nothing. So very upset I ended the call. So today XX/XX/2022, I have decided to go to the bank personally. And they literally told me almost the same thing, but that the police could make a report. and let 's see if they can do something else. | ||||||
| 11/02/2022 | Yes |
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Web | Older American |
| Sent XXXX To : Chase From : XXXX XXXX I hereby demand you reopen CLAIM ID : XXXX because you denied me the opportunity to add to my dispute or answer the merchant reply before finding against me. Neither Chase nor XXXX provided me with any seller replies during the process. The first time I saw the replies was when I received the denial letter. The claim is for the full amount, {$3900.00}. The equipment, per the sellers request, was returned on XXXX via XXXX tracking number XXXX and signed for by the seller on XXXX. The tracking information was provided to XXXX on XXXX and XXXX. The original reason for the dispute is that it was missing the XXXX XXXX in the XXXX and there were multiple deep scratches on it. This was undisclosed by the seller. The reason to reopen the dispute now is because the seller has received the return of all of his equipment. XXXX required buyers and sellers to make contact through the XXXX website. I sent information through their site with the statement that per the sellers request I was returning the equipment. I also sent them the XXXX tracking information twice. Below are copies of evidence. I will also upload those and related files via the Chase website. Case status : Under review We were notified by your financial institution that you filed a case for a payment made on XX/XX/XXXX at XXXX XXXX PDT. There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details. Not as described - chargeback I received an item or service that was dierent or not as described Your responses XX/XX/XXXX at XXXX XXXX PDT You provided the following return tracking info. Return tracking info XXXX Shipped by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX PDT You provided the following supporting info. Seller said send it back which I am doing today XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Resolution Center https : XXXX XXXX Case details Case ID : XXXX Disputed amount XXXX {$3900.00} USD Seller info : XXXX XXXX XXXX XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Date reported : XX/XX/XXXX Additional Info Your note : I have added the info before. Ad Showing What Comes With XXXX XXXX XXXX Transaction reported XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XX/XX/XXXX at XXXX XXXX PDT You provided additional info. It is not completely loaded as his ad states. It has spaces for 3 more filters, a high stability crystal, a 2 meter module and a general coverage module. XXXX XXXX XXXX XXXX XX/XX/XXXX, Money Sent Transaction ID : XXXX - {$3900.00} USD XXXX XX/XX/XXXX, XXXXXXXX XXXX Resolution Center https : XXXX XXXX Proof of Delivery Dear Customer, This notice serves as proof of delivery for the shipment listed below. Thank you for giving us this opportunity to serve you. Details are only available for shipments delivered within the last 120 days. Please print for your records if you require this information after 120 days. Sincerely, XXXX Tracking results provided by XXXX : XXXX XXXX XXXX. EST Tracking Number XXXX Weight XXXX LBS Service XXXX Ground Shipped/ Billed On XX/XX/XXXX Additional Information Signature Required XXXX XXXX, CO, XXXX Delivered On XX/XX/XXXX XXXX XXXX Delivered To Received By XXXX Left At Resident Note to XXXX XXXX XXXX XXXXXXXX XXXX : For your reference, here is a copy of the ad you are responding to : Listing Number : XXXX Date Ad was Placed : XX/XX/XXXX Name : XXXX XXXX XXXX Phone Number : XXXX Callsign : XXXX Category : XXXX XXXX XXXX For Sale XXXX XXXX XXXX XXXX Ad Message : For Sale XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This radio is the XXXX package I've included a copy of the factory invoice with the picture, the radio is completely loaded. {$3800.00} you pay the shipping. Funding details Funding Type : Credit Card Funding Source : - {$3900.00} USD - XXXX ending in XXXX This transaction will appear on your bill as XXXX XXXX Sincerely XXXX XXXX | ||||||
| 12/14/2020 | Yes |
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| Dear JPMCB : I am contacting you regarding 30-120-day derogatory marks beginning in XX/XX/2020 through XX/XX/2020 that appear on my three credit bureaus. I dispute these 30-120-day lates and demand a full removal of the late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory marks immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. Prior to the missed payments I attempted to contact Chase Bank regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak ; I have experienced severe financial hardship as a result of the economic standstill that our country is going through. Recently, and in response to the COVID-19 outbr eak, the CARES Act was signed into law by the President of the United States on Friday March 27, 2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. ..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on March 13, 2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. Here, it is clear that my missed payment comes within the scope of the CARES Act ( and specifically Section 4021 ) because : 1 ) the industry that I work in has been eviscerated by COVID-19, who has experienced significant financial hardship ; 2 ) the Missed Payment was within covered period ; 3 ) the Missed Payment was delinquent when it was reported to the credit reporting agencies ; and 4 ) I paid the account and brought it to current. Due to the above, such unauthorized reporting on my credit reports has caused and will continue to cause substantial damages. Doing so constitutes a clear violation of the CARES Act which was designed to assist consumers during these unprecedented economic times, not punish them. In addition, violation of the CARES Act also constitutes a violation of Cal. Bus & Prof. Code 17200, et seq. US Banks actions are clearly unlawful ( the CARES Act ) and unfair ( downturn in the economy ). As you may be aware, Cal. Bus & Prof. Code 17206 permits penalties of up to {$2500.00} per violation ( which in our view, is each day that the derogatory mark appears on my clients account, multiplied by three for the three credit reporting agencies ) plus the recovery of all costs and fees. In fact, I was recently denied a loan due to my credit score being slightly below the minimum requirement for the lender a difference that can be specifically attributed to JPMCBs derogatory mark! Thank you for your anticipated cooperation, | ||||||
| 05/12/2023 | Yes |
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| On XX/XX/2023, Chase bank called and sent a text alerting me about a {$300.00} fraudulent transaction made to a XXXX XXXX store in XXXX Arizona. I confirmed to them it was not me since I have not travel away from our home here in Texas. Chase caught it and revised the charges before it hit our checking account. The next day on XX/XX/2023, eleven transactions hit our savings account range from {$100.00} to {$500.00} right after each other in a short period of time sometime that morning. There was one {$500.00} amount taken from our checking account as well. We checked our bank account around XXXX and quickly called the bank to report the stolen money. The bank representative saw the transactions but said the withdrawals was still being requested at an ATM on XXXX XXXX in XXXX XXXX, Tx. That is not where we live or do banking business. So, I immediately filed a police report with the XXXX XXXX Police Dept on XX/XX/2023. I indicated on the report that the only business I did business with using my ATM card was to XXXX XXXX XXXX store located at XXXXXXXX XXXX XXXX XXXX Texas on XXXX, a week before the fraudulent transaction occurred. I believe my card and pin was scanned at that location, but in reality, it could have happened anywhere. There was a series of miss-steps done by the bank because on XX/XX/XXXX the representative told me that she was immediately closing my account and changing my pin and will send me a new card. Obviously, that didn't happen because the villain ( s ) withdrew moneys from our checking and savings account the next day. When we spoke with the bank representative on XX/XX/XXXX, they found the debit card had not been closed the day before and they actually closed the account at that time. So all this could have been avoided if the first bank representative did what she said on the XX/XX/XXXX. So, I filed the police report on XXXX and tried to call the bank again to submit a fraud report but wasn't able to get through. So the report was file to Chase on XXXX over the phone. They told us that they would replace the moneys back into our account until they complete a thorough investigation in 10 days. As I was preparing to file reports with the other Fraud/Identity Theft agencies, the bank did replace the moneys back into our account, so I took no further action until we heard from them. Well, today, MayXX/XX/2023, we found the transactions were all reversed with no warning and the moneys taken out of our accounts again. We called to inquire why and was only told that the transactions occurred using a pin thereby making the transactions legitimate. We have banked at Chase Bank for over 30 years and never had an event such as this. Our history doesn't reflect eleven transactions made back-to-back in one day at one ATM. Then on that same day the bank assumed we were in a different city and also in another state almost at the same time. What a preposterous assumption. What I need is to know the actual time these transactions took place and the video recording on the people making them at the ATM machines. I need this information turned over to the XXXX XXXX police dept. The Chase fraud dept employee did not do a thorough investigation if they didn't bother to seek anymore information other than the pin being used. Why didn't they look at our debit/credit history to see if there were any like transactions? Fraud happens to unsuspecting individuals every day and it normally happens with multiple transactions at one time. We need our money back. This is breaking us, we got bills, taxes, mortgages many others thing to pay. Being a loyal customer to Chase Bank for over thirty years and even have our children and friends to bank there, is such a letdown when this institution didn't show up when we needed them the most. Chase has used our moneys to become more prosperous than ever before, just to reject our claims of fraud. We need our money put back in our accounts immediately. These culprits need to be caught ; how many more people has to sufferer our fate behind their need for greed. | ||||||
| 02/11/2023 | Yes |
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| On XX/XX/ I received a call from the Chase customer service number ( XXXX ) from someone identifying themselves as a customer service rep stating transfers were attempted on my account and that in order to have these transfers reversed, I needed to submit a wire to the designated account that the rep provided in the amount of XXXX for the investigation process. I was taken advantage of by following what I presumed was a real representatives instructions with the intent to secure the funds. To verify me as the account holder he asked me for my full name, address, full card details and pin, date of birth, last XXXX digits of social. I was worried about my account after this occurred so I reached out to Chase myself for additional information and realized it was a scam after they had no records of anything I was describing. I asked them for assistance immediately on what I should do and initiated a wire recall the same day and canceled my card, changed my username, password and email for the app. My first call at XXXX I was transferred 3 times until the last rep told me to do a recall on the app and that he would do it on my behalf as well since it was not available in the secure messaging section as described. I found it myself in the request info option on the transaction. I also went to my local branch for advice but they were also unable to help and called customer service inside the bank for me around XXXX and this rep told me they approved the transaction with me and that I said it was for business purposes, I immediately told her there was no possible way that was me they spoke to but she said there is nothing that can be done about that. It was not until XXXX when I reached a rep that escalated my case since he did not see the wire recall request. Upon questioning how this wire was approved in the first place given the large sum of XXXX, the fact that I never sent a wire before, and my account history over the years, I was told again on XX/XX/XXXX at XXXX that legitimacy had been verified, this rep stated if they saw this transaction they would not have let it go through as they are trained on this. I was not reached about the nature of this transaction, if I had I would have been able to explain the circumstances and stopped it with real reps. I suspect the scammer also spoofed my number and used my credentials to verify my identity in order to pass this through their security measures. I was on the phone with him at the time stamp they recorded ( XXXX ). On XX/XX/XXXX I was notified by retail wire servicing through secure messaging on the app that the recall was initiated and swift message was sent, they advised since it was fraud to initiate a claim and wait XXXX business days for the receiving banks response since the money was now no longer with Chase. I reached out to retail wire servicing XX/XX/XXXX via secure message on the chase bank app for any update and they responded XX/XX/XXXX that the recall was not successful on XX/XX/XXXX. I called the customer claims department for the next course of action at XXXX XX/XX/XXXX and was told by a supervisor named XXXX my claim is denied for inability to recall the funds and that I have only law enforcement left. I did everything I could to recover from this attack but they were unable to help retrieve the money. I have reported this incident to my local police department, the FTC & IC3 and sent in requests for fraud alerts from the XXXX credit bureaus. This situation has been extremely devastating to me and I am very concerned with how easy it was for the scammer to not only impersonate a rep but also myself to bypass all the security measures put in place to prevent these occurrence 's. My bank has told me there is nothing else they can do for this matter and law enforcement is my only option. There needs to be better protection for bank customers from scams. The response from the bank leaves me with my worst fear that I will never be able to recover this money. This was my life 's savings and I am seeking any resolution for recovery. | ||||||
| 05/06/2019 | Yes |
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| On XX/XX/XXXX, I attempted to update the Chase United Credit Card in my e-wallet and a notification populated stating that the card is not active. I then immediately reached out to card services and they informed me that the account has been closed ( no communication was sent prior to this action ). Due to the time of day the office that handles account closures was closed and I was told to call a specific line the following day. On XX/XX/XXXX, I received a notice in my Chase app box that informed of the account closure ( see attached ). The two reasons were increase in revolving credit spend, and a rejected payment. Below is insight into each item stipulated : +Increase in Revolving Credit Spend : Prior to applying and getting approved for this card I had one credit card since XXXX and many years of zero credit usage. It was an emergency card I received with a {$1000.00} limit from XXXX. I obtained status with United and the airline partnered with Chase to provide a lucrative incentive for first time card holders of XXXX miles with a $ XXXX spend requirement within 3 months. I never had a need or desire to utilize credit, but this incentive combined with my travel job and loyalty to United was a great financial plan. I was approved for the card and given a $ XXXX limit. I made business purchases with the card including buying a XXXX XXXX ( {$1800.00} - see statements attached ). My intent was never to pay minimum balances but to the pay the statement balances entirely in effort to also increase my credit score beyond the XXXX I presently held. There was an error in XXXX purchase so you'll notice on the statements that ( 2 ) were purchased but one was returned but unfortunately it appears I had made $ XXXX in purchases at XXXX when in fact it was just the ( 1 ) XXXX purchase. I can provide bank statements if you would like to see how the credit purchases mirror my debit spending habits. Needless to say the justification from a Chase Internal Team Member was that the increase in spend was alarming regardless of the bank 's United Miles incentive time constricted promotion. The associate 's tone was condescending and never made me feel as if this decision was given the effort to understand transaction details, promotion timeline, and spend/payment trends. I relayed my payment and transaction history but these pivotal insights were completely disregarded as the representative was not going to assist me in my request to appeal this erroneous action from the bank that can harm my near perfect credit score that I have maintained for many years without credit usage. +Rejected Payment : the second reason for my account closure was due to a returned payment for my first billing cycle. I had paid my statement balance of {$1500.00} plus an additional {$1400.00} ( ttl {$3000.00} ) on XX/XX/XXXX ( billing due date was XX/XX/XXXX ). I noticed after 4 days the payment did not withdraw from my XXXX XXXX XXXX checking account and called credit card services on XX/XX/XXXX to ask if there was any issue with the payment and they said the payment was returned for a banking error due to the Banking Routing Numbers on the account. I also have a Chase/XXXX car loan that utilizes the same account information and has been withdrawn from the same checking account, on time, since XX/XX/XXXX. After the representative informed me of the error I did not have to adjust the routing numbers for the account and made a second successful payment of {$3500.00} on XX/XX/XXXX ( billing due date was XX/XX/XXXX and minimum payment due was {$25.00} ). In order to increase my credit limit I had to call Chase and we had to conference XXXX XXXX XXXX 's account services department in order to confirm receipt of the {$3500.00} payment. This call was completed on XXXX with a Chase rep and it took us 45 minutes to resolve. XXXX confirmed the payment was transacted and the Chase rep mentioned that for the first 4 months of the life of the credit card this step will need to be completed and she then immediately increased my available credit. | ||||||
| 05/12/2021 | Yes |
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Web | Servicemember |
| Hi, On or around XX/XX/2018 I took out a loan with XXXX When I took the loan out, I planned to pay back in two payments. I was mislead by the loan officer manager of the store that if I paid it back in two payments that I would only be charged XXXX for interest. While going over my budget, I looked at the loan and realized that I had been misled. At this time I decided to deal with this repayment outside of my bank account at chase and informed XXXX that they were not authorized in my account and that I had been misled by their store manager. I called chase bank and told them the situation and proceeded to make stop payments on XXXX. I told the cs Rep that I did not want XXXX in my account, that I had retracted my authorization from them and that I did not want them in my account under any name, and I gave him the names on my paperwork. He told me that if they got through, to call immediately and that my payments would be stopped. Between XX/XX/2018 and XX/XX/2018, chase allowed three payments of XXXX and other varying amounts which XXXX XXXX XXXX had tried using in order to get around my stop check, to go through. I called as the cs rep had told me to do and I ended up talking to a chase rep that acted like I was a criminal and who told me that chase had contracts and had to honor these checks. I explained to her that this is my account and that those payments were no longer authorized and had not been for weeks ; she continued to question me about my business with XXXX. She knew that I had put stop checks, she knew that my business with XXXX XXXX had zero to do with chase any longer and she continued to tell me that there was nothing they could do about the large amounts of money they were allowing this unauthorized company to take from my account. After calling them two more went through my account without even pending, so I continued to call, desperate to speak with someone at chase who would do the right thing and no have this company no longer in my account. I was told the only way to stop them was to close my account which I could not do because chase had paid them into the negative. They kept paying out to this company even when I did not have funds and even though they were not authorized. The csr who was acting like I was the fraudster sent me to a woman named ( I think XXXX XXXX who berated and XXXX me trying to catch me in lies which she continued to say to me over and over, that I was lying. She alone, was personally responsible for me missing a mortgage payment and eventually costing me thousands of dollars. I called chase many times during these days and spent countless hours on the phone trying to get to someone above XXXX to no avail. Even overseas csr would all send me back to her. She told me that there was no one above her to talk to more than once. Finally I quit depositing my money into my chase account that I had for almost two decades because they refused to stop letting this company dip into my account. When they called to collect the money they had themselves overdrawn, I explained to them the situation. I told them that I would pay them the couple of hundred dollars that I owed on fees but that I would not pay back the money they sent unauthorized to XXXX which added up to three payments of XXXX. Now, almost three years later I have still not gotten my money back from these unauthorized transactions or even an apology from chase. They closed my account and are now reporting me to banking credit companies like XXXX XXXX and are still trying to collect on this bogus negative balance that they created. They are costing me thousands to thousands of dollars on insurance increases ; and the embarrassment of still being treated like a criminal when the people in the fraud department at chase were the actual fraudsters is ongoing. I would like for chase to refund to me the XXXX that they stole from my account and for them to remove any and all negative reports as well as to stop collections on these unlawful actions they have taken against my account and my reputation. | ||||||
| 10/30/2019 | Yes |
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| Before XX/XX/XXXX, I opened what I understood to be a rolling CD account with Chase ( then XXXX XXXX ). I had forgotten about the account for years after XXXX XXXX became chase. prior to XX/XX/XXXX, the account popped up on my Chase dashboard, with very limited information. I had not received statements on the account for years despite my address being updated on my accounts at that point, so I wasn't sure what it was or why Chase was saying I had a traditional IRA account with them. In XX/XX/XXXXI was asked to add a beneficiary to the account, I have to note I wasn't paying much attention to this account and hadn't received statements to remind me. I made a mental note of the account total. In XX/XX/XXXX I changed my name and updated my contact information with Chase via all the appropriate routes, by going into a branch. I noticed this year, XX/XX/XXXX, my account total didn't seem to be changing, which was disappointing. Thinking it was a mistake I went to look for statements on the account, none were accessible online. I went into a branch and asked them what was going on with the account and asked to explain if it was possible to set up a 529 account with this money. They said someone made a note in XX/XX/XXXX that the CD was switched to a traditional IRA by a phone call request. I had no recollection of this and would not ask for an account making money to be put into an account to not make money. It did make sense, the branch rep agreed and tried to look into it. She said there was a problem with the account, there wasn't very much information on it and I would need to send a fax to a number they provided to get all the forms from the past on the account. What was sent to me ( addressed to me with the correct and married name listed on all my other accounts ) is in the attachments, was the form to update the beneficiary info ( XX/XX/XXXX ) and a statement from XX/XX/XXXX( attachment ). That was it. Nothing about a call, no other statements, no forms. At this point, the documents could prove what I suspected, that the retirement account had made approximately {$1.00} in the 10 years it was with Chase. Chase has not sent me a statement for 10 years, and other than the beneficiary form didn't try to contact me about the account. I decided to close the account because I feel I was taken advantage of and mislead with a neglected account. I filled out the necessary paperwork from XXXX XXXX ( XXXX ) and sent it in. Chase then sends me a letter in my old name ( attachment ), to my updated address, stating my name is not correct and that I needed to change it. However, when I called and identified myself in XX/XX/XXXX by my married name, they gave me all the information on the account without hesitation. My statements as of XX/XX/XXXX and all of my other accounts with Chase have my married name on the account ( attached example ). They will not release my money to XXXX until I go into a branch, but said they would also overnight me a form I could use. They never overnighted me the form. At this point, as of today, someone from the Chase Executive office has been in contact with me. They said all my information is updated and correct with my married name and current address. They also are having trouble understanding why my money has not been moved out as I had requested. I feel cheated, mistreated, and have wasted a lot of time on this retirement account that has made about {$1.00} in 10 years. I want this money moved out of Chase, and think consumers should be aware that Chase ( in my experience ) can neglect your accounts and make it difficult to move your account to someone who can possibly better manage it or at least keep you notified of the account. Their website indicates an advisor would assist on retirement accounts. Since at least XX/XX/XXXX no one as offered to assist me with this retirement account and I have not been allowed to manage it myself. I feel this is false advertising. I would have expected to have earned at least the 2.9 % rate of inflation, and it has not. | ||||||
| 03/14/2023 | Yes |
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Web | Servicemember |
| This is to notify you of a very disturbing experience we had with Chase bank. We moved our accounts to Chase because we travel worldwide and wanted a bank that could be contacted at any hour anywhere in the world. In the past we have been satisfied with their service. One of our accounts is a Premier Plus Checking and most recently the branch we used was Chase Branch # XXXX on XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX Why is it that Chase contacts me all the time to advise me of special deals, they text me, they email me and they have my cell phone number. With so many ways to contact me why would they send me a letter through the U.S. Mail to tell me that a Cashiers Check I deposited, drawn on XXXX XXXX, was bogus and that funds were being removed from my checking account? XX/XX/2023, Used electronic deposit to deposit {$2500.00} Cashiers Check drawn on XXXX XXXX, XXXX XXXXXXXX to my XXXX XXXX Checking account. Check was received from a potential buyer in the mail as deposit on a XXXX that we are selling. XX/XX/2023 Received email from Chase notifying me that check was deposited. XX/XX/2023 We decided not to sell the car to that party and canceled the sale. Naturally we would return their deposit. XX/XX/2023, We got a Cashiers Check from Chase Branch # XXXX on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXXXX/XX/2023, Chase was notified that the Cashiers Check that we deposited was returned unpaid, returned reason : Altered/Ficticious. We, Chase 's XXXX XXXX account holder were not called by phone, not contacted with a text and not emailed of that status. Instead, Chase sent a letter through the U.S. Mail to advise me that the Cashiers Check had bounced. We received that letter on XX/XX/2023. I contacted Chase on the XXXX listed on the letter to call if there were problems to immediately stop payment on that check. I was surprised when told that I would have to go to that local branch to stop payment. Why would a supposedly international bank require me to go into a local branch to put a stop on a Cashiers Check that they issued? I called the branch to stop payment and was told by XXXX that I would have to come in person to make that happen. I went to the local branch listed above, explained the situation to the very nice cashier who then proceeded to put a stop on the check. She made some queries on the keyboard and said she just needed to get it approved. She returned shortly and she gave me a Service Confirmation form that stated the stop was effective XX/XX/2023. I left the bank and was halfway home when I received a cellphone call from XXXX saying I should return to the branch because the Stop Payment needed additional action. When I returned, I met with XXXX and was told that the Cashiers Check had already been cashed and there was nothing they could do. When my wife called back the bank to get further details on why a cashiers check was not accepted, she was told XXXX would return her call. He did not on the XXXX and when she contacted him the morning of the XXXX, he hung up on her stating it was not the banks fault and there was nothing he could do. We can not understand why a bank, who has many ways to contact us, would, when notified of a bad Cashiers Check deposited into our account, would choose to notify us by U.S. Mail making it impossible for us to stop payment on our check in a timely manner. Chase was notified on XX/XX/XXXX, our Cashiers Check was cashed on XX/XX/XXXX, and we received Chase 's letter on XX/XX/XXXX. We were scammed out of {$2500.00} because Chase bank failed to notify us in a timely manner when a Cashiers Check bounced. This experience with Chase bank has been very disappointing and not at all what we have come to expect from Chase. We will be filing a fraud complaint with the FBI and are totally disgusted by the sloppy practices and procedures of Chase bank. We will begin the process of finding another bank for our requirements. Our policy is not to do business with institutions with so little regard for the good of their customers. | ||||||
| 10/21/2022 | Yes |
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Web | Servicemember |
| On XX/XX/22 we initiated a wire transfer from our CHASE checking account into our sons CHASE secure checking account in the amount of {$18000.00}. We realized within an hour that Chase secure checking accounts do not receive wires. We went to a Chase bank branch, they told us to do a Wire recall, and had us do it with them there. they told us the funds should be available within 24 hours. on XX/XX/22 the funds were still unavailable. we have since then talked to at least 30 different people on the phone with Chase, we have been told a different thing each time that usually ends with us needing to communicate via the secure messaging via the website, or to go to a bank branch. We have been to a bank branch at least 6 times, and have made at least 2 phone calls a day. XX/XX/22 : Made Wire transfer {$18000.00} to an account that doesn't receive them. Both Sender and receive accounts are CHASE bank. XX/XX/22 : Told to do a wire recall via banker in person at a Chase branch at XXXX. we got a secure message from them asking us to approve the wire recall at XXXX a few messages back and forth we got one that said they had opened a case case # XXXX and to allow 3-5 business days for them to hear from the other bank. However BOTH banks were Chase. On the phone and in person we were being told since it was within chase it wouldnt be more than 24 hours. XX/XX/22 : we went to bank, called customer service and sent messages. being told same thing... money would be available within 24-48 hours. XX/XX/22 : received a secure message from chase telling us that the funds will be returned within 24-48 hours with the same case number. After asking to please call or let us speak to someone over the phone they said they were unable to call as their phone lines were not operational. we also made calls today told we should have had our money and to wait another 24 hours etc. or to go to bank. We went to bank branch spoke with someone who also tried to escalate the issue via messages but told us they were unable to contact anyone etc. told that our funds would be available at midnight tonight. XX/XX/22 : still no funds. Made phone calls, told that there hands were tied, they understood and thought it was very odd we were having this issue and to send secure messages. XX/XX/22 : we waited the weekend and got on the phone. we were told that this date was technically business day 5, to send a secure message and go to bank. After pleading on the phone she said she was going to message someone, after doing so she said that they have escalated the case and that we would have out funds no later than Wednesday XX/XX/XXXX. We also sent a secure message asking for an update on the funds. they responded and told us there is no update and that they saw the reached out requesting the same. Our son ( the receiver of the wire ) also sent a secure message from his account explaining the situation. they responded to him and explained he didnt get the wire because it was a secure checking and that the sender would have the funds within XXXX hours. Even though it had already been 7 business days ) XX/XX/22 : We still have no funds! we waited until midnight of this day to make sure we were allowing them the entire day. XX/XX/22 : still no funds. We made several phone calls and told the same things, they cant help us, send a secure message etc. one person told us to also do another recall on the wire. So we initiated another recall through the secure message center. XX/XX/22 : we are on business day TEN and still have no funds or updates. received a secure message from chase in the morning telling us to wait 24-48 hours. the message ad the wrong wire amount information. We just left the bank branch where they tried to call a line that they can call if they are lost and have exhausted all their options. she was told she would be hearing back from this person within the hour. We have lost out on a house refi, had NSF fees and no money. we are desperate to get our funds back. we have had the run around for days. Please help us. | ||||||
| 09/22/2021 | Yes |
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| On XX/XX/2021, I received a Chase Fraud alert text message stating there was a wire transaction of {$100.00} that was sent out of my account. The alert ask to respond yes or no to the transfer. Immediately after, I received a call from Chase customer service number XXXX, the customer service representative stated on the phone call that she was with Chase Fraud PreventioXXXX. She inform me of the transaction of {$100.00} and ask if I made that transaction and I responded that I did not. The representative then stated there was an attempted at a wire transfer on my account. Which she then asked if I would like put a block/cancel to the transfer which I said yes. This is when she informed that she will send a 8 digit authenticate code to my phone to verify so she can proceed with the transfer cancellation which we did. Afterward she informed me that since the account has been compromised that I would need to close/freeze the account and she would register a new debit card and send it Express shipping in 1 to 2 business days. In order to do that she would send another 8 digit authenticate code to verify which we did again. Right after that I noticed I was not able to log into my account anymore with my previous user ID/Password. I made sure to ask her repeatedly after that the account has been blocked/froze and that my account will be safe going forward and no attempt will be made without my authorization which she stated yes. Then on XX/XX/2021 I noticed I have not received my new debit card yet and proceeded to call Chase Customer service number. I spoke and asked another customer representative about this matter and they told me there was no new debit card requested and this got me suspicious. I then asked about the wire transfer and the account being locked which the representative did not know anything about. He then transfer me to the Chase Wire Department. This was when I found out from them that a new unauthorized wire transfer of {$17000.00} was already transfer out of my account on XX/XX/2021. This also happen without any notification to me either through my email or phone. They even stated that the transfer was done from a named individual from Florida ( I am from Texas ) who used the transfer money to purchase a vehicle in Florida. This has led to an extremely frustrating and stressful past month. I have called Chase numerous time to get the situation resolved and received my money back to no success. They have claim they have no information in the beginning and that their is nothing they can do. I had to go to the local Chase bank to talk to the manager who had to call the customer service/claim line in order to open a case for review. Unfortunately they have tried to stall the situation asking me to send in a Affidavit ( Which I have ) then after informing me I needed to get a Police Report ( Which I did again ) and then finally telling me since it was a scam that they will not refund my money back. I want to emphasis, whoever wire the money out of my account was an inside job from Chase. Only an insider would be able to initiate a transaction like this and being that the phone number calling me was a Chase number I entrusted them at that moment. The {$17000.00} amount was almost all of the money I have left in the Chase account. There was approximately only {$1000.00} left in the account. This was my own hard working money I entrusted in Chase to protect for me and here I have seen them failed and misled me in every way possible. Chase did not seem to care if it was going to affect my livelihood as far as ( expenses/bills ) and because of this experience I have lost all trust in Chase. There has been numerous articles written about Chase Fraud Scam I found online similar to my situation in particular from XXXX XXXX by XXXX XXXX. After reading this I knew something was very suspicious about Chase business practice. I need help in every way as I have tried with Chase to no avail. If this does work I am looking into pursuing legal civil action against Chase. Thank you. | ||||||
| 04/21/2017 | Yes |
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| We requested a short sale from Chase. Received a pre-approval and submitted an offer on XX/XX/XXXX through XXXX . On XX/XX/XXXX we requested an update on the offer status. Requested a status update again on XX/XX/XXXX . Received a response on XX/XX/XXXX . At that time Chase requested additional documents. Some of the documents were submitted on XX/XX/XXXX . We asked if e-signatures would be ok on the additional requested items. We did not receive a response. On XX/XX/XXXX we received a response from Chase about the documents submitted, but still no answer to the question of e-signatures. We submitted the documents with e-signatures in order to get things moving on the file and then received a response on XX/XX/XXXX that e-signatures are not acceptable. We submitted the remaining documents and received no response. On XX/XX/XXXX we asked for an update. On XX/XX/XXXX we were told that the offer was too low to be accepted. On XX/XX/XXXX we responded that as far as we could tell, the offer was high enough to meet USDA guidelines. After pointing this out, the processor agreed to move forward on review of the offer. On XXXX XXXX we were asking to revise the HUD-1 with buyer closing costs. The revised HUD-1 was submitted on XXXX XXXX ( we were waiting on the buyer 's lender to provide a good faith estimate of buyer 's closing costs ). On XXXX XXXX we were contacted by a new processor and additional documents/changes to documents were requested. Some of the requests were requests that could not be complied with as they did not adhere to our local XXXX procedures. This was explained to the processor on XXXX XXXX . But then on XXXX XXXX we were asked for the same documents that we had already explained we were unable to provide. We explained this again to the processor on XXXX XXXX . On XXXX XXXX I was informed that there was a foreclosure date set on the property. On XXXX XXXX we learned that the buyer had walked due to delays in reviewing the offer. At that point it had been approximately 4 months since the offer had been submitted. We let the processor know that the offer was rescinded, but that we had a back-up offer. The processor said that she would have to decline the previous offer before being able to move forward on the new offer. The new offer was submitted on XXXX XXXX . A correction was requested on the HUD-1 on XXXX XXXX . The revision was submitted on XXXX XXXX . Another revision was request on XXXX XXXX . The revision was submitted on XXXX . On XXXX an HOA payoff was requested. Note that we had mentioned that there was an HOA fee that needed to be included on the HUD-1, but that we were having a hard time getting a statement from the HOA. The processor said to take the HOA off of the HUD-1 in order to get approval on the short sale since there was a foreclosure d ate pending. She said that we could add the HOA on the final closing HUD-1. The rev ision that was requested on XXXX was a request to add t he HOA to the HUD-1. The HOA s tatement was requested on XXXX and was submitted to Chase on XXXX . The HOA invoice was for {$100.00}. However there was a late fee after XXXX . Therefore, we included the late fee on the HUD-1. On XXXX we were told to reduce the HOA fee on the HUD-1 t o {$100.00} as that is what the invoice stated. We responded on XXXX stating that there is a late fee as well. The processor stated that the late fee needs to be included on the invoice. The invoice states that a late fee will apply after XXXX , but the invoice bottom line only shows {$100.00}. We called the processor on her direct line, but spoke with someone else who stated that late fees will not be paid by Chase on behalf of USDA. I took off the late fee an re-submitted the HUD-1 on XXXX . The borrower should not be penalized with foreclosure for the fact that Chase does not have an efficient system for reviewing offers. There is no reason that a foreclosure should occur when an offer has been in place since XX/XX/XXXX . | ||||||
| 04/07/2020 | Yes |
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Web | |
| I initiated a wire transfer online on XX/XX/XXXX for {$25000.00}. I received a text from Chase 's fraud department on XX/XX/30 to confirm that it was me who sent the wire. I replied " Yes '' to confirm. I then received an email saying my wire transfer was sent. Great. On XX/XX/XXXX, I get a call from my personal banker, XXXX XXXX ( XXXX Chase Branch ), just checking in and seeing how I am doing amid Covid. Nice guy, and sweet of him to check in. I tell him all is well, we discuss the XXXX loans and hang up. I call back a little while later and ask if he can check the status of the wire since the recipient has not received it yet. He tells me he sees that Chase sent the wire on XX/XX/30 and that it might take a day for the recipient to see it or accept it. On XX/XX/XXXX I receive word again from the recipient that they do not have the funds. I try to request additional wire information via the online portal on chase.com. I get an error that says " It looks like this part of our site isnt working right now ''. I try again the following day, same error. I try again the next day, same error. I am now increasingly concerned about the location of my funds. I try to call XXXX and he does not answer, so I email XXXX asking him to help me resolve the issue. No response. I try to call him again on XXXX and email him again in the morning, this time cc'ing the branch manager XXXX XXXX . No response. I call customer service, they transfer me to the wire department. The wire department is not staffed, but rather is a recording saying to submit an inquiry online in the secure message center. The online wire trace form does not work. I send a general message through the secure message center since there is no option for wire inquiry in that system. I get a message back saying that it can take over a week to receive a response due to high volumes. I understand that we are in a pandemic, but this is completely unacceptable to have my money be missing for so long and not be able to contact someone for help. I call customer service back. Eventually I speak with another representative who tells me to go to branch for help. I go to a local branch for help. The lobby is closed and only the drive thru is open. I speak with someone there, give her my information and she tells me to wait a few minutes while she looks into the transaction. I wait and eventually she tells me that I can give their wire research department a call and to expect long wait times. I am disappointed that she could not help, but understand and drive home. I call the wire research team, luckily I didnt have to wait too long. Unfortunately, they tell me that this a business line and I need to be transferred to a personal wire team. Okay no problem. She transferred me to the voice recorded message that I was sent to earlier that day that says to submit a message online. How infuriating. I call customer service back and explain what has happened and how I can not wait to hear back for a week or more about the status of my wire. I finally get a nice guy on the phone from the online tech support team of all places. He tries to get someone from the wire department on the line and is also unsuccessful. He advises me that he thinks the best option is to dispute the transaction and transfers me. After another extremely long hold, I get another woman named XXXX on the phone. She tells me that she can not dispute the transaction since I initiated the wire. She also tells me that the wire department, that is not accepting calls, is the only department that can trace the wire, or cancel it. This is absolutely absurd that no one can help me resolve this issue in a timely manner. I call back the customer service line, explain my situation, and they again try to get someone from the wire department on the line to no avail. She tells me that Chase has closed the entire division, and everyone is working remotely. I do not understand how corporate could make such a decision and not have a workable plan in place to resolve customer issues in a timely manner. | ||||||
| 11/02/2019 | Yes |
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Web | |
| Chase is by far the most unethical and never accepts responsibility or even partial responsibility for their oversight. This complaint addresses several issues. First Chase loves to refer guest to terms and conditions of opening accounts when they know they have been caught being greedy but shifts the fault to the customer. I have attached 2 screenshots for the dates XX/XX/XXXX and XX/XX/XXXX. They have referred me numerous times to my terms and conditions in which they cant find an answer as to why you would post 3 insufficient funds related fees on XX/XX/XXXX when you had the option to only post 2 fees? Funny how management and claims representative cant see the error. Luckily the Customer rep I spoke with on XX/XX/XXXX saw it and immediately refunded the {$34.00} charge. If you look at the transaction history of my account for XX/XX/XXXX. After the first transaction of {$25.00} posted I had {$150.00} remaining, There were 3 transactions to post that day. {$49.00}, {$150.00}, and {$200.00}. I wound have posted the {$49.00} so my balance remains in the positive. Then paid the {$150.00} and {$200.00} charging me 2 insufficient funds related fees. Instead you post the {$200.00} first. Do you know why you didnt post the {$150.00}? {$150.00} - {$150.00} = + {$0.00}, you cant charge insufficient fees if balance is still positive. Instead {$200.00} made me negative in balance right away and you can charge an extra fee. This is what the manager and claims rep couldnt answer. The postings were all on the same date. I think thats called charging unnecessary fees? Next the 2 unauthorized transactions {$380.00} and {$80.00} in which I disputed and won should be given to me. When they transferred out of my account without my knowledge or permission, my balance was able to cover it. With the addition of Chases Greedy Accounting or charging erroneous and unnecessary insufficient funds fee, my account went into the negative. So much so when I received the credits from these charges my account was still negative. So my dispute has done nothing for me to get those funds back. Chase could have returned the XXXX transactions while waiting for the {$380.00} and {$80.00} to post. Chase has denied many subsequent XXXX transactions after my negative balance went above {$600.00}, which by the way is caused by the Greedy Accounting practice developed by Chase. Next I had called and spoken to a claims representative, think her name was XXXX on Tuesday, XX/XX/XXXX. Again she couldnt answer my question about the extra insufficient fund fee rather she referred me to the T & C. Plus she said even if what you are saying is correct and you are owed a refund, we are not going to because Chase is closing your account. We do not need to be doing business with your type. Excuse me? My type? Can you elaborate? She changed subjects quickly and said that the 2 $ XXXX unauthorized transactions were found against me and I must pay back. I told her I will handle that separately after we resolve the {$380.00} and {$80.00} issue. Her reply was since Im no longer a Chase customer, she doesnt need to talk to me at all let alone refund me. Then she hung up the phone. Does Chase have a habit of hanging up on customers who dont agree with you? Or is it just my kind? Perhaps she thought I was lying because I was XXXX during our conversation? I have a XXXX XXXX in which I XXXX. Last I checked, XXXX XXXX is protected under ADA. Does Chase really want to go that route? The reversed credits I am still not paying for it. The reply from previous complaint doesnt really apply because my account access has been restricted and unrestricted many times in which Im sure everytime that done my setting are changed. I confirm with your online IT and even got a ticket number documenting that I was signed up for alerts of transactions over {$1000.00}. How dare Chase say I wasnt signed up. Does Chase want to look even worse? I have screenshots of my alert preferences back from XX/XX/XXXX when I first reported the unauthorized withdrawals. | ||||||
| 01/12/2018 | Yes |
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Web | |
| In XX/XX/XXXX my mother was being forced into a XXXX home by her doctor because he felt she should no longer be allowed to live in her own home alone. This began from a trip to the emergency room for what I had been told was a XXXX XXXX but they had medicated her to a point of collapse ( or minor XXXX as I believe ) causing her to fall as she was supposed to be getting released from the hospital. That led to her being sent to a short term rehab center for a couple of weeks, but they kept her so medicated there she would have never been released because the plan was to transfer her into the XXXX home that contained that short term rehab center and was a small section of. I fought with the doctor and rehab center staff for more than 6 months with threats of being reported to adult protective services and needing to find her a new doctor if I tried to remove her without their consent. After staying in XXXX, TX at her home and helping to maintain her property during this time the doctor finally agreed to allow me to move her to an XXXX XXXX facility for another XXXX plus months, then I was finally able to bring her back to live in her own home again where she still currently resides. The problem is during all this time and for at least another year or more afterwards I was still making the monthly payments on my home at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Even though I never really had any time or chance to go check on my own home, all mail was being forwarded to my XXXX, TX XXXX XXXX XXXX address ( XXXX XXXX XXXX, XXXX, TX XXXX ) and the mortgage payments and all bills were being paid on time. I had made numerous extra payments towards the principal of the loan during the first couple of years ( probably about an extra {$10000.00} paid toward principal which should have reduced the total payments due ) and had paid about 10 years of timely payments ( never late ). I never received any type of notification from Chase about my mortgage being in default or any type of foreclosure notice in the mail or at my address but found out around XXXX that they had physically taken possession of and sold my home to somebody else. I stopped making payments of course but still NEVER received anything regarding any of these actions regarding the foreclosure and sale of my home. I did n't and still do n't know what if anything can be done about this, but at one point I did receive a letter from some place claiming to be investigating mortgage procedures being done by Chase and that resulted in Chase being found guilty of illegal business practices and I got a check from those people for about {$600.00}. That 's great, so they were found guilty of mishandling my mortgage loan, but that check is no where close to the equity I lost ( estimated to be around {$50000.00} in my opinion ). They sold my $ XXXX home for about $ XXXX in what looks like some kind of insider scam job. I had insurance I had to pay extra for that was supposed to cover things if something happened but I still do n't really know exactly what happened other than I was n't able to be there at the time and somehow got totally screwed out of the only home I had without ANY contact from Chase ever. I have ZERO faith in anything about this country anymore and I 'm sure this is just another waste of my time thing, but I found this site tonight while looking for something else and if it 's not just another scam agency then I would appreciate your help in making things right again. I 'm still stuck in XXXX, TX taking care of my mother who is XXXX now and still living in her own home like I promised her most of my life I 'd help her do, but there is no work here for a XXXX, and I have no place to go back to when she 's gone. Totally discusted with the lack of enforcement regarding any type of consumer protection in this country! People steal your homes, copyrighted software, and everything else you work your XXXX off for ... and then without lot 's of money to hire expensive attorneys to fight it, you 're just another victim that nobody cares about. | ||||||
| 03/13/2019 | Yes |
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| I have been a customer of JPMorgan Chase for about 8 years and I have never missed a payment or been overdrafted on my account. Moreover, I have other accounts in other XXXX financial institutions with longer credit history, and I am proud to say that I have always maintained an impeccable record. My credit score is around 800 or upper 700s, which has taken me a lifetime to build. I am also a homeowner and have never missed a mortgage payment. My total credit line is about {$400000.00}. Another thing I should point out is that all direct deposits from my job and my wifes job go to Chase and all bill pays are associated with Chase. So Chase is able to see exactly where our money is coming from and where it is going and we have proof for all of our charges if necessary. Here is the nightmare we find ourselves in. I reluctantly opened another credit card with Chase to take advantage of a rewards offer from the XXXX card and to use it for traveling. A few weeks after receiving the card, I purchased a watch for my wife with this card in the city we live in ( XXXX, WI ). It was a big purchase and the only reason I used this card was because you have to spend {$4000.00} in the first three months to get a {$500.00} dollar reward. That charge and future charges did not go through and my credit card was blocked. They did not call me to verify the purchases, they just blocked my account. I called Chase and no one would help me because my account was blocked. On Monday, I went to a Chase branch and they were trying to help me fix the situation. My Chase branch didnt know why my account was red flagged, so they called the main offices. Turns out that they closed ALL of my Chase accounts. No notice, no explanation, and nothing I could do. Just like that, all these years of working hard to build my credit score and now, having a perfect record goes out the window when my wife and I did absolutely nothing wrongand did everything right. Not only that they closed my accounts, but the person that did this did not even review my Credit Bureau score. My guess is that he saw my XXXX name and made a biased decision. Had he checked, he would have realized that I have a perfect record and there are XXXX issues with my wifes nor my account or in any other aspects of our lives. They did not even abide by the know your customer law. In fact, it looks like they are abusing this law in order to discriminate against us and everything we have worked so hard for. Again, my wife and I have a perfect record ( not even a speeding ticket ). The only difference is that my wife is a U.S. citizen and I am a green card holder. At first, the person in charge of the fraud department said that my accounts will be closed and they will not be reviewing it further. After they realized they messed up and that we have an impeccable record, they said they will do another review, but there is no guarantee that anything will be reopened and that it will take 10 business days. At any rate, it is already too late because the Credit Bureau will be notified, and weve been panicking making sure we dont miss any bills. My wife is a teacher at an elementary school and has said that she teaches her students that if they work hard and take care of their responsibilities, they will be able to accomplish their dreams. We worked hard and took care of all of our responsibilities and instead of all our hard work paying off, we are being targeted simply because of my name. What JPMorgan Chase has done to us is completely unacceptable and they should be held accountable for their actions. It has caused a lot of stress to me and my family. It will take decades to repair the damage that Chase has caused us with just a click of a button -- with no valid reasons. Attached are the following : - proof that my accounts have been closed - current balance in my checking account - receipt of Rolex watch purchased on XX/XX/19 at XXXX - receipt of XXXX watch purchased on XX/XX/19 on XXXX - receipt of airplane tickets bought on XX/XX/19 | ||||||
| 03/15/2022 | Yes |
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| On XX/XX/XXXX I placed an order : # XXXX at XXXX # XXXX for a King Set of Sheets ( fitted, flat, two pillow cases ) and an extra set of King sized pillow cases. Both being the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received an email that Your Full Order Has Shipped! The email goes on to show that both my sheet set and extra pillow case set were sent out in the same package with the same tracking. On XX/XX/XXXX the package was delivered. However upon opening the package from XXXX, there was ONLY the King Set of Sheets ( fitted, flat, two pillow cases ) and there was NO extra set of pillow cases as I had ordered. I received only ONE of my items as seen in the photo provided. There was no way for both the King Set of Sheets ( fitted, flat, two pillow cases ) and the King sized pillow cases to be in that box. I even took a photo of the shipping container to show it was big enough to only have the sheet set and NOT the extra pillow case set I purchased. I contacted XXXX via Online Chat that day to correct the mistake. I had also opened up the King Set of Sheets ( fitted, flat, two pillow cases ) and saw that the sheets had holes, and runs in them. Clearly not a new product, or at the very least damaged and not what I paid for. When I contacted XXXX via their online chat, they agreed to a refund, and gave me a reference number : XXXX. On XX/XX/XXXX I placed a secondary order for JUST the sheet set in hopes the damage was a one off thing. This order is also attached in proof. The order number is : # XXXX. That order arrived without any issues. After a week ( 7 business days ) I contacted them again because there had been no refund in my account ( last picture talking with a chat agent by the name of XXXX XXXX XXXX and they said it would be in my account in another 7 business days. Since I was getting nowhere with XXXX I logged onto my Chase account and decided to start a dispute since I had proof that the items I paid for 1. Never arrived, and 2. I was told by an agent at XXXX with a reference number that I would be getting a refund that never came through. On XX/XX/XXXX I received correspondence from Chase that the dispute was in progress and to save any information in regard to the case should they need it. Which I did. On XX/XX/XXXX ( dated XX/XX/XXXX ) I received another correspondence from Chase that the disputed charges were considered valid and I immediately contacted the phone number for clarification. I talked with an agent who went on to say that I need to write a letter with proof and that there was no way to do so on their website or through the app. A frustrating answer as you can file a claim online, but not add any information nor documents/proof online. Chase also included printed off documents of XXXX ' return policy as well as my proof of purchase as their own proof that the dispute was not considered valid in their eyes. Same day I sat down, gathered photographs of the package that was received showing it was from XXXX ' and delivered to my address, that it only contained the bed sheet set and there wasn't " even enough room in the box to have fit anything else ( because I never received the extra pillow cases I bought ). I also included a screen grab of the virtual assistant I was talking to through the XXXX ' website and the reference number the representative gave me for the refund the company themselves promised, and print outs of all the email 's from XXXX ' where they stated that everything was shipped out together and that I had made a secondary purchase to replace the damaged sheet set. I received one more letter from Chase saying they were looking into it, albeit under a different claim number. Then on XX/XX/XXXX ( 3 months after purchase! ) I was denied because I didn't provide enough proof. I'm unsure what more I was supposed to provide or do. I paid {$130.00} for items that never arrived, and the one that did was damaged to the point of being unusable. That's no small sum! I have also contacted the Attorney General in regards to this. | ||||||
| 08/05/2022 | Yes |
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| I have attempted to refinance with my current mortgage ( JP Morgan Chase ) twice this year, once in XXXX XXXX ( prior to my divorce ) and once in XXXX ( after my divorce ). There have been several issues in each case which I will summarize below, but the biggest current issue is Chase 's actions are preventing me proceeding with another lender with the terms I have been conditionally approved with. In XXXX, I had worked with Chase through the application, appraisal, and approval process and we were setting up a closing date when I was informed that my future ex would need be there to sign. Her presence would not be a problem but differed from my previous experience on the purchase of my house and her purchase of her townhome where we the only signature required of the non-borrower was the on the TLD well in advance of closing. I am not on her mortgage or title and vice versa. Therefore I first wanted to understand why this refinance was different. The only response I had was that it was required several attempts to get clarification. On my own time, I found an explanation in the MN underwriters handbook. But, I still wanted clarification on what specifically she would be signing and what future remedies would be needed post divorce. I receive no answer at all. Without that clarity, I elected to wait until the divorce was completed. In XXXX the divorce was complete and I reengaged Chase ( XX/XX/XXXX ). Prior to my first discussion with them, I talked with one other lender ( XXXX XXXX XXXX, XXXX ) who had informed me that for a divorce equity buy out, it could be a rate/term refinance. When I talked to Chase, I was told by the lending advisor that XXXX was wrong and I would need to do a cash out refinance. Reading more on the topic later, I found I meet the requirements for the divorce equity buyout and what Chase told me is false ( it is what is being offered from XXXX now ). As I restarted the process, Chase also ordered another appraisal. After the appraisal was completed on XX/XX/XXXX ( and before I saw the appraisal result on XX/XX/XXXX ), due to the issues above and others, on XX/XX/XXXX I decided to go talk to XXXX again. XXXX informed me, based on the information provided, that no appraisal would be needed and I would have slightly better terms. I therefore began the process with XXXX and held off on completing items open with Chase to satisfy their conditional approval. When I received conditional approval from the refinance from XXXX on XX/XX/XXXX, I told Chase to discontinue work on my refinance. My refinance with XXXX was going fine and was about to be submitted for final approval on XX/XX/XXXX when they found Chase had entered the XXXX appraisal into the XXXX XXXX and that was now preventing them getting the appraisal waiver. XXXX said it is a common lending practice in such cases to request a transfer of the other lenders appraisal. By XX/XX/XXXX, XXXX had drafted a letter which I signed requesting transfer of the appraisal and submitted to Chase and to the Chase home lending advisor I had been working with. Beginning XXXX to XXXX, I tried contacting both the Chase lending advisor 12 times via phone, one time via messaging on the Chase refinance page and his manager twice. The phone calls went to voicemail and I received no response from messaging and today the option to message disappeared. I was able to talk to another advisor at Chase by selecting 'urgent issue ' in the voice service . I was informed by him that Chase " has no policies or procedures to transfer appraisal to another lender '' and they were not aware this was not an uncommon request- but did double check it was not an FHA, which I know would have compelled them to transfer if it had. Taking all together, this all seems like punitive and unprofessional behavior on Chase 's part for discontinuing working with them for what I believe are legitimate customer service concerns, which have only been heightened in the last few days. Note, I have been a customer of Chase for 9 years on my current mortgage. | ||||||
| 09/22/2018 | Yes |
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| I believe that my Servicer ( Chase ) and loan provider ( XXXX XXXX ) are not being transparent and may intentionally be misleading consumers/borrowers regarding their rights to waive/cancel PMI under the HPA and that they may not be following HPA which from what I've found specifies an 80 % LTV ratio on conventional loans. I received a letter/disclosure from Chase regarding the Homeowner 's Protection Act ( HPA ) for Borrowers with PMI, which states that for loans closed after XXXX, PMI can be canceled if, " 1 ) the date the principle balance of your loan is first scheduled to reach 80 % of the original value of the property, OR 2 ) the date the principle balance actually reaches 80 % of the original value of the property ''. After further inquiry about canceling my PMI in XX/XX/XXXX, I received a letter from Chase on XX/XX/XXXX outlining further conditions required to cancel PMI : - Less than 2 years : 75 % LTV ratio or lower with significant improvements - 2 to 5 years : 75 % LTV ratio or lower - 5 or 5 years : 80 % LTV ratio or lower I called Chase on XX/XX/XXXX at XXXX to gather more information about canceling PMI and was told, that 1 ) I did not need an appraisal on my property if I made a lump sum payment to my principle based on the current assessment/appraisal value ( $ XXXX ) with the LTV Ratio at 78 %. I called Chase at XXXX and spoke with XXXX who mentioned that I may or may not need an appraisal if I paid a lump sum to have my LTV lower that 75 % against the original amount of the loan ( $ XXXX ). Additionally XXXX mentioned that I could try that ( i.e., lump sum on the original loan amount to have LTV lower than 75 % ) and " see if Chase would cancel/waive my PMI '' but that she was not sure so " it's best to try it and see what Chase decides ''. I was then transferred to XXXX, a PMI supervisor, who directed me to the above conditions laid out in the letter I received from Chase on XX/XX/XXXX. When I asked where I could find information to substantiate this, he mentioned that this can be found on " government sites ''. When I probed further, given I hadn't been able to find those specifications/conditions on any government sites, he then directed me to XXXX XXXX XXXX XXXX XXXX : Termination of Conventional Mortgage Insurance ( XX/XX/XXXX ). Which states, " the LTV ratio eligibility criterion is met on the date the mortgage loan balance actually reaches 75 % of the original value of the property, if the mortgage loan is seasoned for two or more years, even if the original specified term has not elapsed. '' XXXX also mentioned that the initial letter I received from Chase laying out the 80 % LTV ratio was for " conventional loans ''. I then asked him whether my loan was conventional. He said it was but that the 80 % still did not apply to my loan. This guidance differs from the information I received 1 ) during the closing process on my house, 2 ) the letter I received from Chase about my rights as a borrower under HPA, 3 ) the two previous phone calls I made to Chase about my loan/PMI on XX/XX/XXXX, and 4 ) any and all open source information I was able to find on CFPB and Federal Reserve Board websites laying out the conditions of the HPA. I, as a consumer, should be informed of the conditions required to cancel PMI under HPA before accepting the terms of the specific loan that applies to me ( e.g., conventional ). After going through all of my closing paperwork, I was only able to find information that states that PMI can be canceled after reaching 80 % LTV. This is confusing to consumers at best and intentionally misleading at its worst. Personally, I would like to pay a lump sum now to get my loan to 80 % LTV, canceling my PMI, without having to pay for an appraisal ( {$510.00} ), that is setup by a Servicer I don't trust ( Chase ), based on guidance from a loan provider ( XXXX ) that three Chase agents couldn't even interpret. If those customer service agents can't even understand the guidance, what hope is there for everyday consumers to understand it. | ||||||
| 08/10/2017 | Yes |
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| XX/XX/XXXX : Check # XXXX for {$500.00} deposited into client trust XXXX account ending in XXXX. XX/XX/XXXX: I discovered possible fraud on business operations account ending in XXXX. I called Chase to have account frozen - this account was no longer able to be used at all. I went to local branch to have operations account XXXX closed and open a new one. The new operations account was opened and ends in XXXX. XX/XX/XXXX : The check # XXXX was moved from old account XXXX to new account XXXX along with all other funds held in account XXXX. On that same date, another {$500.00} was deposited. I was unable to see the deposit slip or check image. I called my local branch to quickly verify that the funds were there as it was odd for me not to be able to view the deposit slip or check image. I also contacted the client from whom I expected a deposit in the amount of {$500.00}. XX/XX/XXXX : Having done my due diligence by calling the bank, contacting clients, and waiting a little over a week, and believing this {$500.00} was a client payment, I billed out the funds from the XXXX account XXXX to the new operations account XXXX. At this time, the funds from check # XXXX were earned and transferred from XXXX account XXXX to new operations account XXXX. Two transfers in the amount of {$500.00} were made on this date from the XXXX XXXX to operations XXXX. XX/XX/XXXX : Chase Bank withdraws {$500.00} from XXXX XXXX without prior notice to me. This caused the state monitored trust account XXXX XXXX to go negative in the amount of {$260.00}. Immediately after this withdrawal, the interest adjustment controlled by the state was deducted in the amount of {$0.00} making the account negative in the amount of {$260.00}. No overdraft fee was charged at any time. XX/XX/XXXX : A deposit in the amount of {$1000.00} was made to XXXX XXXX, making the balance {$730.00}. XX/XX/XXXX - present : I have contacted Chase by phone and via the secure message center. Chase 's executive department stated they were reviewing and researching the situation and asked what compensation I was requesting. I informed Chase that no amount of compensation can or will fix the damage done to my professional record and reputation, or for the embarrassment of having to disclose this negative mark each and every time I apply for employment or contract work, and will certainly negatively impact my professional future as I intend to XXXX XXXX XXXX in future, a position that is much harder to move into with negative financial records. However, my opinion on the matter is that if you make a mistake, you bear the costs of it. I therefore asked for {$500.00} to be returned to me as it was not my error that caused this problem, and so I should not suffer for the mistake. XX/XX/XXXX : Chase Bank sent me a letter stating that the bank error was their fault and apologizing for any " inconvenience '' it may have caused.XX/XX/XXXX : Per the rules of XXXX regulation, I am required to self-report issues such as a negative XXXX account. I called XXXX regulation and spoke to XXXX XXXX XXXX who stated that as of that time no file had been sent by Chase to XXXX, but that one would be created when Chase reported the negative balance. XX/XX/XXXX : Per XXXX XXXX, I was required to provide the letter from Chase as well as 3 months of statements on the XXXX account for XXXX review. These documents were emailed to her on this date. XX/XX/XXXX : XXXX representative with the executive department, who had been handling the issue, called me and stated that their resolution to the issue was " we are doing nothing. '' They added that they would not compensate me at all, that they would do so only if there had been fees incurred. I demanded to speak to the supervisor of the representative. She stated that a supervisor/manager would only call me back if " something changed from the resolution '' that Chase will do nothing to rectify their error. I contacted Chase again and was again pushed through to the executive department where they will again review the issue. | ||||||
| 03/11/2023 | Yes |
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| On XX/XX/XXXX I ordered a TV online from a retailer through a website named XXXX the retailer was XXXX XXXX in XXXX, TN. The cost of the TV was for {$2400.00}. The TV was delivered on XXXX XXXX. Before TV arrival I had some issues with pricing. Contacted retailer explained my concern. They refunded {$50.00} to help wit issue. During this time I had order issues with TV not functioning well and notified that I would have to pay return shipping back. I filled a dispute with Chase Business Preferred Credit Card Visa. On XXXX XXXX I filed a dispute of charges with my Chase Visa Dispute department. The funds where returned to my account. On XXXX XXXX, the individual from the Retail store contacted asking me what was wrong with the TV and they most surely can return the TV at no fee or charge. She stated that the only way to do this would be to cancel the dispute with my credit card. The shipper contacted me and arranged for pick-up of TV on XX/XX/XXXX. I contacted Chase Dispute Department on XXXX XXXX and spoke to a specialist on the phone and explained that I was instructed to close the dispute in order to get a refund from the retailer. I expressed some concerns if this was the appropriate way of handling this with the dispute department and asked for some advise if this would be an issue in the future if I for some reason did not receive my refund. The Chase Dispute specialist on the phone stated that these issues arise all the time and parties come to agreement. She stated that the only issue would be that dispute would have to be reopened by letter if need to reopen it. The specialist from Chase dispute department that day did not explain anything else to me of how in cancel the dispute I may not be able to get any help from the dispute department. So with the Chase Dispute specialist help that day I felt comfortable cancelling the dispute. On XX/XX/XXXX funds returned back to the retailer. In meanwhile Tv was delivered to warehouse on XXXX XXXX. On XX/XX/XXXX I contacted the retailer and was told that the charge was on hold by XXXX, XXXX XXXX XXXX. I was told it was on hold because case was not closed. I called the chase dispute department and spoke to supervisory on XXXX XXXX explaining that funds are not able to be returned because of a hold on funds. Even a conference call was attempted by myself with a somewhat reluctant supervisor to XXXX and we attempted to explain case was closed and refund was requested by retailer. On XX/XX/XXXX nothing had occurred on my refund and I called Chase Dispute department explaining my concern. I was told to draft a letter requesting reponing of my case. I immediately did that same day and uploaded it to the chase visa website. It took over 3 weeks to review the case, only for chase to close it immediately stating that it was too late for them to do anything because I canceled dispute initially. I called multiple time to try to speak with supervisory at the Chase Visa Dispute department and they all told me that the person that I spoke to the day I called to close my dispute should have informed me of what the consequences are for closing a dispute. I was not appropriately informed by the specialist at case dispute the day I called with concern about cancelling dispute. Till this day XX/XX/XXXX I still have not received my refund from this retailer of approx. {$2500.00} because the dispute was cancelled and unable to be reopened. I have been told by retailer on multiple emails that they received the Tv and have been trying to refund me but there are some problems on this transaction with XXXX stating to the retailer the case is still open and not resolved my the other bank, which would be Chase Visa. I have asked for my bank to try to help me resolve this by contacting XXXX to fix this problem but they refuse to do anything and unfortunately all I have had is many hours of frustration because of the day I called a listened to the Chase visa dispute specialist lack of information regarding what would happen if I cancelled this dispute. | ||||||
| 05/05/2021 | Yes |
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| I believe I am a victim of industry insider fraud, recorders fraud, and forgery. I have proof. JPMorgan Chase Bank , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX initiated these frauds targeting XXXX XXXX XXXX a XXXX homeowner by misusing the mortgage lending process, the mortgage recording process, and the mortgage foreclosure process to steal equity. JPMorgan Chase Bank , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX used their specialized knowledge and authority to initiate, commit, and facilitate these frauds for their financial benefit. Each mortgage fraud scheme contains some type of " material misstatement, misrepresentation, or omission relied upon by a bank, court, recorders of deeds office and a homeowner and attorney used to threat bankruptcy/foreclosure to dupe homeowners of equity which is referred to as equity skimming. XX/XX/XXXX : JPMorgan Chase Bank , XXXX XXXX recorded a forged and fraudulent mortgage with the XXXX XXXX Recorder of Deeds. The recorded mortgage is missing page 3 of 16, page 4 of 16, and the last page my initial is forged on page 16 of 16. All true page numbers are in the lower right hand side of the recorded mortgage document. This mortgage was improperly recorded and improperly executed. XX/XX/XXXX : XXXX XXXX Notice of Foreclosure recorded with the XXXX XXXX Recorder of Deeds. XX/XX/XXXX : XXXX XXXX XXXX XXXX on behalf of JPMorgan Chase Bank , XXXX XXXX recorded with the XXXX XXXX XXXX XXXX XXXX an Affidavit of Scriveners. This fraud committed on XX/XX/XXXX to unlawfully, fraudulently alter a prior mortgage document and intended to unlawfully cloud the title of real property. The Affidavit of Scriveners included page 3 of 16, and page 4 of 16, this is an attempt to fraudulently add missing pages to a mortgage that was recorded on XX/XX/XXXX. The Affidavit of Scriveners attempted to modify the improperly recorded mortgage. This is clearly an intent to commit document fraud by alteration of the original document with an Affidavit of Scriveners. Since, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were attempting to foreclose on behalf of JPMorgan Chase Bank, they failed to obtain a court order to correct ( reform ) the mortgage which is fraud upon the XXXX XXXX XXXX XXXX XXXX XXXX and the Court of XXXX XXXX, XXXX XXXX XXXX Division. Therefore XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX deliberately violated the civil procedures of the XXXX XXXX XXXX XXXX XXXX XXXX and the Court of XXXX XXXX, XXXX XXXX XXXX Division for their financial benefit. According to https : XXXX Prepare new or duplicate deed/conveyance instrument*, or duplicate loan instrument, etc., with all new signatures and all requirements, ( *35 ILCS 200/31-45 ( d ) Deeds or trust documents that, without additional consideration, confirm, correct, modify, or supplement a deed or trust document previously recorded. Prepare a simple scriveners affidavit ( with NO copy of previously recorded document attached ) Note : the scriveners affidavit is great for simple typos or errors that need to be clarified, Scriveners Affidavit Obtain court order reforming to correct the documents if you are already in court ( such as when in probate or foreclosure ) Utilize the new Corrective Recordings process. XXXX XX/XX/XXXX : Complaint to Foreclose Mortgage filed in the Court of XXXX XXXX, XXXX XXXX XXXX Division with the mortgage missing page 3 of 16, page 4 of 16, and the last page my initial is forged on page 16 of XXXX. JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed mortgage documents intentionally black out the lower right hand of the document where page numbers are found and where one of my initials is forged on page 16 of 16. This is clearly an attempt to conceal document fraud by alteration of the original document ( improperly recorded mortgage ). And fraud upon the court by presenting fraudulent documents ( improperly recorded mortgage ) in an attempt to proceed with foreclosure proceedings for their financial benefit. I have copies of all records. | ||||||
| 04/27/2016 | Yes |
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| On XXXX/XXXX/XXXX I updated my Chase checking XXXX repeating payment, changing the amount and designating a 12-month duration. The 1st payment would be made on XXXX/XXXX/XXXX, the 12th on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Chase made a 13th EFT payment. Chase Customer Service ( CS ) claims I made XXXX other duration updates. Why was the 13th payment made? Multiple programmatic errors in the code that addresses the following timing issue. My update was made the same day the current month payment was scheduled for payment, but 9 hours before the payment was transmitted. Only after transmission would the XXXX/XXXX/XXXX payment record be created. At point of update, the XXXX/XXXX/XXXX payment record did not exist to post my update to. Chase 's solution to this timing issue is to modify the XXXX/XXXX/XXXX record, posting my update duration plus one month ( 13 ) to the Remaining Transactions ( RT ) field. When the payment is transmitted and the new XXXX/XXXX/XXXX record created, the code subtracts one from the XXXX/XXXX/XXXX RT and posts that count ( 12 ) to the XXXX/XXXX/XXXX ( effective date ) record presumably to match the duration in my update made earlier in the day. The XXXX/XXXX/XXXX record was not affected by my update but from the 13 RT it contains, CS infers and asserts that a 14-month update was made prior to payment. This is the basis for CS 's alleged 14-month update. The XXXX/XXXX/XXXX effective date payment record, which after the 1st of 12 payments should have 11 RT contains 12 RT, from which in turn CS infers then asserts that an update for 13 months was made prior to payment. This is the basis for the XXXX 13-month updates CS alleges. Each future record subtracted one month from the previous record RT to determine the new RT, culminating in the 13th payment on XXXX/XXXX/XXXX. Anyone who makes a duration update on the same day a current payment is scheduled is unwittingly signing up for an extra payment and for many customers, resulting overdraft fees. Further, Chase has XXXX, mutually exclusive, payment histories going on : One for CS from which payments are made, and one for Chase customers with correct RT : RT history is available only to CS. It is not available online, but current-day RT is and it 's calculated correctly ( it does n't reference CS payment history ). Victims of this programmatic snafu have no clue something is amiss. The XXXX/XXXX/XXXX CS payment record contains 11 RT. On XXXX/XXXX/XXXX I saw 10 RT online ( documented ). The latter was correct. To illustrate : If an online Chase customer RT history existed with payment records reflecting what I would have seen on any given day in the duration period, with the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX records corrected for actual status and RT, are placed in a table and the table is positioned concurrent to Chase CS payment records, the result ( a 13th payment ) of the programmatic errors described herein is clear. Chase customers have no defense. Many thousands of updates can be inferred for any Chase CS payment record. That is precisely what CS does, throwing out alleged, unverifiable updates -- as many and as often, however implausible -- as needed. Every customer argument is countered with a new alleged update. All customer documentation is ignored. The theory presented here is a plausible and reasonable accounting of the 13th payment. It fits precisely all available information ; it requires not one incredible or even ordinary leap of imagination to be true. In other words, Occam 's Razor. Chase trotting out as many alleged updates as it takes to chase the customer away, updates for which no means of customer verification exists, is not merely an unreasonable, implausible response to the 13th payment, it 's ludicrous. Until Chase presents a plausible and verifiable response to the 13th unauthorized payment, Chase has some splainin ' to do, payments to give back, and overdraft fees to refund where applicable, to me and to every other customer caught in this timing trap. | ||||||
| 02/09/2022 | Yes |
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| On the evening of XXXX 2022 I received a text message regarding suspicious debit activity asking to reply yes or no for verification of the charges being mine. I replied with the word no. I then received a text indicating fraud protection would be investigating the charges. I received a phone call immediately. The call had an automated service saying " This is Chase Fraud Department please press 1 if you are ( my name ) for which i pressed 1 then the automated voice said " please hold and a Fraud representative will be assisting you '' The call sounded so professional as it even announced " this call will be recorded for security purposes please hold and the next available representative will assist you '' A man came on addressing himself as a fraud specialist and asked my authentication verification security questions to verify that I am the correct account owner. I was also sent the security verification code to my cellphone to repeat to the man to also verify I am the accurate account owner. Everything seemed way too professional to even question the integrity of this call. I was told my card had been skimmed at the gas pump a few hours prior. The representative informed me that several charges had been made including a transfer through XXXX in the amount of {$5000.00} The man informed me that the other charges were able to be blocked, but XXXX has a reversal procedure in order to refund the amount within 24 hours. I was told that because XXXX is a third-party non affiliate of Chase the refund needed to be through the XXXX transaction XXXX reversal policy '' within 24 hours. I was informed I could also dispute the charge, but that would take 5-10 business days to be reimbursed XXXX XXXX determines it to be fraudulent. The representative had verified the past 5 previous debit charges made by me, my address, and the accounts that automated payments were sent to. The man even put me on hold for several minutes while I listened to the typical XXXX automated commercials. I was put on hold while the department discussed the situation with XXXX. I followed the instructions directed by the fraud specialist in order to be reimbursed for the XXXX transaction. I was told my money would be refunded within 24 hours and to change my login information to prevent another scam. I hung up with him. My wife suggested I call the bank back just to verify that our account was safe to use. I called the number on the back of my bank card. The representative that answered indeed verified that my account had been flagged, as well as the exact time of the phone call with the fraud department. ( How is that possible if the call wasn't officially Chase fraud??? ) The next morning I received a text from the same Chase fraud protection system needing verification for charges. This time instead of replying to the text I called the bank. The bank representative rudely blamed me for being scammed and that I wouldn't be reimbursed. The lady wouldn't answer my questions, but instead just kept repeating rudely that Chase doesn't call customers. The lady hung up on me instead of directing me to a supervisor. I called back and a different representative answered then transferred me to the Fraud Department. I was left with no answers as to how this happened. I was then informed I wouldn't be reimbursed due to the transaction going through a separate payment platform. ( Even though my Chase checking account is where the money was taken from )... I tried resolving the matter with XXXX with no solutions either. While I was on the phone call with the real fraud specialist, I received a text from the scammer with the message " smacked XXXX '' .... Please help prevent this from happening to more people as this seems like a crime that is being ignored all together. I don't even care as much about the money that was stolen as I do about the innocent people being scammed like this. There has to be accountability for these corporations that are allowing this criminal activity to happen without any repercussions at all... | ||||||
| 08/17/2021 | Yes |
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| I found a charge on my account in the amount of on or about XX/XX/2021 in the amount of XXXX from a company by the name of XXXX from my business account whom I never heard of. I immediately contacted Chase bank and submitted a claim as I did not recognize the transaction. I also went to Chase local branch and they closed my XXXX account, I also contacted XXXX to get further information on the charge, who the money was sent to etc. I had received a phishing text on XX/XX/XXXX ( see attached ). I called the number on the text message and they posed as chase bank and asked me to verify my address and social security number, I IMMEDIATLY ended the phone call without giving them any information and called chase bank promptly ( see phone records ) advising that I received a call advising me to verify charges and my account information, I advised them of the phone number and asked multiple times if it was them and advised that the phone call was not right and did not seem like chase as they won't call asking me to verify information, the customer service representative reassured me that there was nothing additional needed and my account is fine and that she will put a flag on my account. I do not know if that is how the charge was originated but that is the only thing out of the ordinary that occurred that I can think of. I did my due diligence as a customer by calling Chase and advising them of the text. I made a police report with XXXX PD ( see attached ) and sent email to XXXX with my photo holding my ID as they requested along with the PR number. I received a letter of denial from Chase advising that they have proof that I authorized the transaction which I could not understand. I contacted Chase bank for further explanation as I am sure I did not transfer XXXX to anyone. They advised that based off my prior history, and the transfer came from my account in my name, it had to be me and I have had prior dealings with TXXXX. This was confusing to me as I did not recall this company at all. I looked at my accounts and in XX/XX/2021 I transferred {$850.00} ( see attached ) to a gentleman for a boat charter in XXXX, this was a valid charge but not something I remembered as it was so long ago. That was my only dealing with XXXX, they are apparently a company where you send money to parties out of the country and Chase told me that because of my prior transactions, they have reason to believe that it was me. I do not understand this, I have never sent XXXX to anyone in my recent memory, I have no email from XXXX as verification of the transaction as they sent with the {$850.00} transfer back in XXXX. XXXX sent me an email apologizing for the issue, but advised I should take it up with my bank as it seems like someone had access to my account information by some possible scheme. They would not tell me where the funds were sent, nor would they give me the email where the confirmation email went. Chase never provided me any credit, ( temporary or permanent ), XXXX advised that will assist in any investigation needed but they were not contacted by Chase. I have had my accounts in good standing for over 25 years and have not had any issues. This transaction was not done by me, I asked if chase checked the IP address or who the money was sent, they just said I used them before and it was sent from my account so my claim is denied. I feel so unprotected by Chase and XXXX. I am the only one losing at no fault of mine, I contacted Chase when I received a Phishing text, I made a police report, I have done everything in my power and cooperated with the whole investigation. The claims representative from chase told me if it was a couple XXXX dollars the bank may have refunded me but because of the amount, the bank would not take the loss. Since when does the amount of the transaction have anything to do with doing the right thing? This is not operating in good faith in my opinion. I have attached all pertinent documents, any help for me to get my funds back would be greatly appreciated. | ||||||
| 07/14/2022 | Yes |
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| On XX/XX/22 & XX/XX/22 I received Chase Fraud alert text on my mobile phone on 2 separate accounts causing debit cards to be closed and new cards reissued. On XX/XX/22 I received card for one account still awaiting on the other account. On XX/XX/22 I received a Chase Fraud text alert asking if I was attempting to transfer {$1500.00} which I replied no. I immediately received a phone call from a Chase representative stating someone is attempting to transfer funds from your account into a XXXX XXXX XXXX account. Stay on the line we are contacting XXXX XXXX XXXXXXXX, you will receive an email with a verification code. Enter this verification code, this will alert XXXX XXXX XXXXXXXX to reject the transfer and return your funds back into your account, make sure you put the total amount in account so that none of your funds will be accessible to person attempting to get in your account and all your funds would be returned. Once I entered verification code and total amount in account which was {$1700.00} phone call was disconnected. I called number on back of my card for Chase immediately and told them what just happened. Chase representative stated that it wasn't them that sent text or called and said hold on I'll see if I can reverse transaction. She returned to call and stated she wasn't able to stop transaction but let me start a claim to get your money refunded. I asked her if I need to send text and email I received. She stated not now but to call back on XX/XX/22 because it takes up to 10 days to review. I called on XX/XX/22 only to be told claim was denied but will send to investigating department to call back on XX/XX/22 which I did only again to be told investigating team denied my claim but they ( Chase ) will make a courtesy call to XXXX to return my money and to call back on XX/XX/22. I instead visited a local Chase Bank in XXXXXXXX XXXX and explained what happened. Chase representative pulled up my account while placing a call to Chase claims department. Once she got them on the line and explained to them that I was there but she could not find any notes in the system about my calls or even if there ever was a claim filed by Chase for me, which none was done. She allowed me to speak with claims department which they told me that claim was denied and letter was mailed out to me stating why. I asked her the reason and she said because investigating team didn't find any evidence of fraud. I asked her how could they close a claim without notifying me and how did investigating team make a decision to deny my claim when no one from investigating team asked for any evidence, that is totally ridiculous. And why mail a letter when you could have sent a message to my account. I expressed that Chase is part owner of XXXX, why can't they return my money. Chase security system should be more advanced than what it is because I'm not the only one that people are impersonating Chase representatives and are sending text as Chase and they should be protecting there customers better. And if they can't protect customers who are hacked through XXXX, then Chase shouldn't offer it. Because this was not a XXXX to XXXX transaction, it was done through manipulation and hacked email sent as a XXXX. How can Chase allow this to happen to their customers. She continued to say I'm sorry but unfortunately we can not do anything. I again asked why were there not any notes regarding all the times I called in the system. She could respond about that. She said I can send items I had through fax and the would review again but takes 24-48 hours. I said ok I will send information, can you give fax number to branch mgr. I gave the phone to branch manager which she got claims department faxed number my information and gave me confirmation page. It's been over 48 hours and I have yet to hear back from Chase. I am a single mother with a XXXX XXXX XXXX XXXX and work hard on 2 jobs and to see how Chase handled me is horrible and they should be embarrassed how they are covering up and not helping their customers. | ||||||
| 11/23/2021 | Yes |
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| I have a debit card through Chase Bank. This debit card has since been closed and I got a new one due to the below. No one has ever had access to my card or phone, and I have never lost either. On XX/XX/XXXX I noticed XXXX fraudulent charges in my Chase Bank statement. I called Chase and filed a claim. They gave me a temporary credit while they did their " research. '' On XX/XX/XXXX I received a letter from Chase stating that the charges were authorized, and they were taking the temporary refunds back from me, because their research showed that I made these transactions. I called Chase and they stated several " red flags '' that brought them to this conclusion : there were XXXX additional charges that I did not report so that made my report look inconsistent ; the transactions were made using Apple Pay and Face ID, and I have an XXXX ; the device used was the same one being used to access my Chase app ; there were no demographic changes to my Chase account. The reason I did not report these XXXX additional charges was because they were over a month prior to the other XXXX that occurred in XXXX and XXXX, so I did not scroll back enough in my bank statement to see them. I have never set up XXXX Pay/Cash before. When I open my XXXX XXXX, there are no cards listed. XXXX confirmed via phone that I do not have Pay/Cash and that there are no unauthorized devices accessing my XXXX account XXXX XXXX also said that there is no way Chase can know for sure that my device is the same one that is being used to make these transactions, so I'm not sure what chase is getting at there. They are saying it is the exact device with same ID, but they will not provide me with the device ID to cross reference with mine. XXXX is stating that they are unable to provide documentation for me confirming that I have not set up XXXX XXXX. All XXXX transactions were made using XXXX XXXX, so they were all in store. I began to do some of my own research since the bank is being uncooperative and has closed my claim. On several dates of these transactions I was out of state, which they would see if they actually looked at the whole statement for those few days. The receipts for the hotels are attached. I contacted several merchants asking for receipts and times of transaction. Several merchants do not keep records of this. XXXX were helpful and provided me with receipts with timestamps. These receipts are attached. Additionally, XXXX said that the transaction was made using a Visa credit card, and I only have/had a debit card. The last XXXX digits on the card used were different from mine ( same as at a different XXXX which you can see in the attached PDF ) but it is still showing up as a transaction made by my card. I was in XXXX for my fellowship with the XXXX XXXX XXXX of XXXX ( XXXX ) during these transactions and am in the process of obtaining documentation on letterhead stating this. Additionally, several of these transactions were made while I was at my internship for XXXX. A letter from my supervisor has been attached to attest to my attendance either in person with badge scans, or remote via XXXX. There were several transactions made while I was at home, so I am unsure what documentation I can provide for that. I am hoping that by proving several of these charges were fraudulent, they will accept that all other charges using this same method of payment were fraudulent. Documentation I have : - Letter from internship - Receipts from XXXX hotels ( please note, XXXX of the hotel receipts has my old address in XXXX XXXX, as it was never updated in my XXXX account ) - Receipts from XXXX merchants - Spreadsheet with all transactions, dates, costs, merchants, and what proof I do or do not have Please advise if I should file a police report, as I have not yet done so. I also have not yet sent these documents to the bank, as quite frankly, they have been very unkind and uncooperative over the phone and I'm not sure I trust them to further investigate this given how they've been treating the situation. | ||||||
| 08/06/2023 | Yes |
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Web | Older American, Servicemember |
| Chase acknowledged that they received my dispute for {$2000.00} of the {$2600.00} charge from XXXX XXXX dated XX/XX/2022, because of an incorrect transaction amount. They confirmed they submitted the dispute to the merchant who responded with a rental agreement showing you were charged " the correct amount per the rental agreement and services were rendered '' for the entire rental duration from XX/XX/XXXX, through XX/XX/XXXX. Chase failed to accurately review the documentation provided by the merchant, however. Had they reviewed " the correct rental agreement '' or read my letters or previous complaints they would have seen the obvious computational errors on the final bill. On the final billing statement, the rates listed per time frame contain a clearly incorrect mathematical computation, stating the fee for a 1 month to be {$490.00}. However, the bill also states XXXX @ {$490.00} = XXXX. This is a very clear mathematical error as {$490.00} does not equal {$2300.00}. Additionally, the contract states unlimited miles are provided at no charge. So the subtotal I was charged for time and miles was {$2300.00}, not {$490.00} per my reservation and the billing statement. The billing statement contains additional errors under the breakdown of charges showing my time and mileage charges to be {$2100.00}, after previously stating the subtotal for time and mileage to be {$2300.00} incorrectly. These subtotals do not match up. Furthermore, if you take add up all the charges and discounts listed the total is {$2400.00}, however, the " final bill '' is for XXXX. This final bill states the net charges, that is the total prior to adding taxes is XXXX, and the final bill is XXXX. For this to be true, the company would have to not be charging me taxes which shows I was charged {$320.00} and {$48.00} in taxes. So the net charges can not be equal to the final charges. This " final bill '' is rife with inconsistencies and mathematical errors. I have called and spoken to Chase about this error repeatedly, so their claim to have been unable to reach me to discuss this billing error is unfounded and an incorrect statement. During my many phone calls the agents all agents I have spoken to in the billing department have been able to identify the mathematical errors and state they don't know why the dispute was found valid. They further resubmit it for review, even going so far as filing a grievance on my behalf for how this dispute was mishandled. These errors are very visible and present on the documentation provided by the merchant, who in their dispute rebuttal claim the amount due to be yet another amount differing from the inconsistent charges shown on the " final bill. '' Federal statutes allow consumers to dispute inaccuracies in billing statements, which this billing statement is full of. Yet Chase continues to consider this to be a valid charge despite all the very obvious mathematical errors contained and differing values the merchant claims were due, all of which are far greater than the amount shown on the original reservation and contract. Additionally, the reservation and contract provided at the time of rental, which displays the correct billing amounts state the vehicle rented to be a XXXX XXXX XXXX, which I drove XXXX miles. The final billing statement states I rented a XXXX XXXXXXXX XXXX which I drove XXXX miles. The vehicles even have different vehicle numbers. So the final billing invoice is for the wrong vehicle as well. Lastly, on the XXXX XXXX XXXX XXXX, they state the rental was from XX/XX/XXXX to XX/XX/XXXX, but claim the time of rental to be 32 days and XXXX hour. That would actually be 31 days. The final " billing '' statement also reflects the charge for XXXX month, which at most is 31 days. The number of errors and inconsistencies found on the billing statement and even the merchant 's refutal letter are ridiculous. Yet, Chase 's refusal to actually review the documents provided by myself and the merchant and review the billing statement is even worse. | ||||||
| 08/13/2022 | Yes |
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| Account - XXXX, XXXX This Company furnished inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED in ONTHE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as debt is inaccurate. 15 USC 1681 5-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form-7099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME the FORM 1099-C that you should have sent to me when you Filled the account as canceled debt. 15 U.S. Code 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, In fact, inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME the FORM 1099-C that you should have sent to me when you Filed the account as canceled debt. 15 U.S. Code 5 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( i ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. | ||||||
| 05/05/2020 | Yes |
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| I placed an online order of coffee machine XXXX XXXX from XXXX on XX/XX/XXXX of XXXX. The item supposed to arrive on the XX/XX/XXXX and I received a box empty. I called XXXX immediately for help on the same night and they told me to dispute the charge since they couldnt help with that. I called Chase the next morning to start the dispute process ( XX/XX/XXXX ). Soon after the call with Chase the item showed up at my door but at this point it was too late. The item was supposed to be the XXXX gift for my friend and I received after XXXX so there was no point to keep. I already initiated the dispute with Chase earlier so I called Chase again to cancel the dispute and start the return process to receive my money back because it would be wrong to start a dispute but having an item in hand. I mailed it back to XXXX on the XXXX of XXXX around XXXX XXXX with the tracking number ( XXXX ) and I received a refund confirmation from the email for the refund of {$3000.00} immediately after I dropped of the package ( XXXX minus the shipping charge of {$49.00} ). Ever since then I have never received the refund from XXXX for the any amount whatsoever. I called XXXX after one week to check my refund status and they told me they received the item back and they are now aware of the dispute I placed. I told XXXX I canceled the dispute, returned the item back to XXXX and all I need know is to receive a refund because technicially the dispute was cancelled and I returned the merchandise. They agreed to it and the last communication I received from XXXX was around XX/XX/XXXX. XXXX told me they already refunded me but I wasnt sure if they referenced to the dispute or the actual item that I returned back to them. After a few weeks of unsuccessfully retrieving the refund, I went back to Chase and re-initiated the dispute with my credit card company on XXXX of XXXX providing all the information I had at the time including the tracking number and the refund confirmation email from XXXX but I never received any money back. Ever since the reopen dispute with Chase in the late of XXXX I never heard back from Chase or any updates from Chase. I assumed they were taking time to investigate because of the complication process ( open-cancel-reopen ) and with the COVID-19 I thought the process was taking longer than usual. However, on XX/XX/XXXX, Chase sent me the later saying the charge is valid ( see attachment ) and the fund were returned back to XXXX on XX/XX/XXXX when I canceled the dispute on XX/XX/XXXX. Chase can not assist me any further. It is up to XXXX to find the fund. I was furious and lost so I decided to call XXXX and Chase again as a liaison to ask for the latest status. I spoke to XXXX XXXX from Advocacy team from XXXX ( XX/XX/XXXX ) and was advised that XXXX accepted the dispute report received from my bank and accepted the refund credit to be issued to me through my financial institution which doesnt make any sense. I thought she referenced the original dispute so I had to send an email and explain the whole story to her but she never responded. I decided to call Chase again and spoke to XXXX ( Chase Dispute Supervisor ) and she said that Chase already canceled the refund and the fund went back to XXXX and advised me to call XXXX to ask them where the fund is ( I found this similar to the letter I received from Chase on XX/XX/XXXX ). At this point I was transferred to XXXX XXXX who is also the customer advocacy at XXXX ( XX/XX/XXXX ) and she advised me if Chase already canceled the refund then it would be an ARN number showing the bank send the funds over to XXXX. I called Chase again and spoke to XXXX this morning ( XX/XX/XXXX ) and asked her what the ARN number would be when Chase sent back the fund to XXXX and she didnt know but keep telling me to wait and wait. XXXX mentioned that it should take up to 45 days for the merchant to receive the fund back to their bank account but it looks like it has been almost 130 days at this point. Im officially tired and want to settle this issue. | ||||||
| 03/10/2023 | Yes |
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| I purchased two tickets back to back with XXXX XXXX using my Chase credit card rewards points and was not refunded my full funds upon cancellation. The first purchase was made on XX/XX/XXXX around XXXX XXXX for XXXX points ( the equivalent of {$210.00} ). I wasn't sure if I would be able to make the flight, so the next day I purchased a second flight on XX/XX/XXXX around XXXX XXXX for XXXX points ( the equivalent of {$150.00} ) with then intent to cancel the first flight before the 24 hour grace period had ended. When I attempted to cancel the first flight, the Chase purchase site said to call XXXX XXXX at XXXX. I logged onto XXXX XXXX ' site and also called the number. When I called the number, XXXX XXXX stated that I had to get on their website to use their chat feature. I logged onto their chat feature and began asking about the cancellation. I was told I could cancel via the website. I had already found my flight, but the site said there was a {$99.00} cancellation fee ( see pictures ). I asked the " person '' I was chatting with why my 24 hour cancellation period was not applying. They said the flight was subject to a cancellation fee even within the 24 hour cancellation period if the flight was within the next seven ( 7 ) days. I asked for alternatives. I then asked for the remainder of my refund to come to me in cash ( meaning a refund to my original payment method ). I was told that I could ONLY RECEIVE A FLIGHT CREDIT as my " refund ''. Upon cancelling both flights, I was charged a {$150.00} cancellation fee ( NOT THE {$99.00} cancellation fee listed on their site ) and the " refund '' was a flight credit that I have no need for considering the fraudulent actions of the service provider. Prior to wrapping up, I asked for the representative 's name and a reference number for our chat. The representative said their name was " XXXX '' ( around XXXX XXXX XX/XX/XXXX ) and that there was NO REFERENCE NUMBER FOR THE CHAT. I asked if I could get a copy of the chat emailed to me and was told I could not. I asked why my refund was not able to be a cash refund, but the representative ( after waiting approximately 4 mins to respond to me ) said that a cash refund was not available " in this case '' then ended the chat approximately 60 seconds after that statement was made EVEN THOUGH I HAD ALREADY ASKED A FOLLOW UP QUESTION stating that " It looks like you're not there anymore. '' After this took place, I called the Chase credit card helpline and spoke with someone at Chase Rewards ( I can provide the name of the representative ) on XX/XX/XXXX around XXXX XXXX. That representative referred me to a specialist ( I can provide the name of the specialist ) who I asked for help cancelling my second flight ( purchased before I knew I was being scammed ). The specialist also tried to call the number listed on the Chase site to get assistance with the cancellation and the specialist said he marked that the call line was not sufficient for cancellation in my file ( I can provide the call reference no. I received upon request ). Major problems : 1 ) The fraudulent disparity in the cancellation fee charge advertised and that charged ( this is an airline often used by those with fewer means, making this even more problematic ) ; 2 ) The out of market refund policy a ) charging a cancellation fee based on how close you are to flying out rather than giving the 24 hour cancellation period that is market and b ) REFUSING TO GIVE A REFUND AT ALL WITH THE REMAINDER OF THE FUNDS ; 3 ) The highly problematic practice of keeping no record of the " customer service '' logs. This was even more of an issue because the record was extremely difficult to keep for myself. I had to take screen shots and the screen was not easy to navigate ( it moved around on my phone as I was trying to take the screen shots in succession ). I would imagine that navigating this system would be nearly impossible for someone with less time, money, AND/OR knowledge of generally accepted record keeping practices. | ||||||
| 02/20/2019 | Yes |
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| What happened? On XX/XX/XXXX, I did a {$500.00} Chase XXXX XXXX to my Attorney. My Attorney received an email from XXXX on XX/XX/XXXX informing him that the money was sent. A few days later on XX/XX/XXXX, I received a call from my Attorney stating, He never received the payment. I contacted Chase on XX/XX/XXXX and spoke with a Customer Care Rep who informed me the payment was sent to the recipient. I logged into my Chase account to researched the transaction number XXXX and saw that the money was sent. I emailed my attorney the reference info from my Chase XXXX account. My attorney called me back and informed me again he never received the payment. I then called Chase Customer Service on XX/XX/XXXX also, went into a branch and spoke with a personal banker name XXXX who called Chase back office and spoke with an XXXX who informed her that the money wasnt sent to an email it was rerouted to a phone number that was associated to a Chase account but informed me that because security reason they are not allowed to share anything about who the account belongs to and I need to contact the recipient. I informed the Chase Customer Service Rep that the recipient was my Attorney and he has confirmed he never received the payment. Also, I never entered a phone number for the recipient only an email address was associated with this recipient. I asked the Chase Customer Service Rep to reference the transaction made to the same recipient back on XX/XX/XXXX Transaction number XXXX which is associated with a XXXX XXXX XXXX account which is where the money should have been deposited in not the Chase account. Which the rep did and then stated, the recipient must have routed their XXXX account to the phone number associated to the Chase account the money went into. Again, I informed the Chase Customer Service Rep that the money was sent to an Attorney who has informed me that he doesnt have an account with Chase. The Chase Customer Service Rep then told me not to worry they would submit a claim to their back office and would issue me a credit back for the {$500.00} payment. I never received the credit back and I have called Chase several times escalating this issue. I thanked XXXX because XXXX stated to XXXX at the branch the same information that was stated to me earlier that day. I have called several times starting from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX Today XX/XX/XXXX, I received a call from XXXX in the Escalation Department telling me that the decision remains the same that Chase will not reverse or credit me back for the {$500.00}. I asked XXXX why is it so hard for Chase to reach out to the Chase customer whom they said the money went to account. I asked her to please pull all calls concerning this issue because I have been asking this to get escalated since XX/XX/XXXX and keep getting a third party response and not allowed to speak with their back office who supposedly are processing the claim. I asked XXXX the Chase Escalation Rep why did Chase on every call but this one tell me it was sent to a phone number associated to the recipient account but now XXXX tells me it went to the email. XXXX then told me she was going by the notes I asked her to have the calls pulled, XXXX then told me she could only go back 30 days. I then asked XXXX why wasnt it escalated the first time I asked it to be escalated and the only reason they escalated it to her was that I stated I was going to get legal involved. I informed XXXX I went into a Chase branch and had a branch manager contact Chase online back office and Rep XXXX was informed that it was sent to a phone number and the money was deposited into a Chase account but they could not disclose the account holder information. The phone number that Chase provides to contact XXXX XXXX is only an InfoDial you cant speak with a live person and refers you back to Chase. I am a customer of Chase and used Chase XXXX. I have been banking with Chase for over 15 years and have never experienced an issue with them. | ||||||
| 07/18/2020 | Yes |
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Web | Older American |
| Chase Sapphire Visa # Account ending XXXX Account Name : Dear sir / madam : I am a victim of identity theft and my Visa number was used without my knowledge and authorization. However, on XX/XX/2020, I received your letter stating that your fraud investigation was completed and found that I am responsible for those unauthorized transaction that made on XX/XX/XXXX and XX/XX/2020 and the reason was I received benefit from the transaction ( please see attachment I ). During the week of XX/XX/2020, my identity, cell phone number and Visa Card information were stolen without my knowledge, because on that same day I still have possession of my cell phone and Visa card. Followings are series of event that were unfortunately happened to me during that time : - On Wednesday, XX/XX/2020 you sent me an email state that a replacement card of my Chase Sapphire Visa card was ordered, which I did not requested because I still have possession of the card - On evening of Thursday, XX/XX/2020 after reading your email message, I called but due to the pandemic your office and phone services only open during business hour. - On Friday, XX/XX/2020 At XXXX XXXX I called XXXX again and the agent ( lady ) told me that theres nothing wrong with my card. When asked why the replacement card was made without my requesting, she said she did not understand why the replacement card was made and she told me thats no need to worry about. At XXXX my phone did not have any services at all. I could not use the phone to call Visa Card or connected to wi-fi. At that time, I thought that its caused by XXXX temporarily signal down. At XXXX Chase Fraud Protection sent me an email to alert XXXX XXXX purchased of {$5700.00} from my Visa card which I did not authorized. Unfortunately, fraudster at that time already changed my XXXX SIM assignment which cut off all my communications ( please see attachment II ). Therefore, I could not check an email message from Chase Fraud. At XXXX I used my husband cell phone to call Visa Card XXXX again, and after waiting for 1 hour 25 minutes, a gentlemen spoke very fast with heavy accent to me that I could barely understand it, all I could hear from him was You need to report to fraud department I am not the one to handle it and he hung up on me. At XXXX XXXX I called XXXX again. After waiting for over 1 hour, I was lucky at that time to talked to Ms. XXXX. She thoroughly explained and told me to contact Fraud department and provided me a Fraud number to call at XXXX. At XXXX and XXXX I called XXXX but twice the phone message said fraud department was closed and only open during office hours. - On Saturday, XX/XX/2020 at XXXX I called XXXX and talked to Ms. XXXX to report fraudulent replacement card which I never order. On this same day, I also went to XXXX store to ask the salesman for assistance. After checking my phone and my account, I was shocked to hear the salesman said nothing wrong with my phone but he feels strange that my phone number was stolen and used to open another phone account with XXXX XXXX. He referred me to XXXX Fraud personnel to report fraudulent activities on my phone number and account ( please see attachment III ) - On Monday XX/XX/2020 I also report these fraudulent events to the XXXX Police Department report # XXXX. As you can see that the stolen of my identity, cell phone number and Chase Visa card information happened without my knowledge or authorization. During that time I still have possession of my cell phone and Visa Card. I do not agree with your conclusion and should not be held liable to those unauthorized transactions. Please provide me the evidence and/or proofs that you concluded I have received benefits for these fraudulent activities. As you can see that those unfortunate events have been making me nervous and anxiety for months. Now by receiving your Fraud letter, it has added more stress to my health. Thank you for your attention to this matter and I am looking forward to your prompt respond. Sincerely yours XXXX XXXX. | ||||||
| 04/12/2018 | Yes |
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| Below is a copy of the letter sent to the Executive Offices of JP Morgan Chase : JP Morgan Chase Executive Office XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Dear Office of the President : I am writing to issue a formal complaint against JP Morgan Chase Credit Card Services for the following reasons : Chase Credit Card Services allowed my account to be defrauded by XXXX XXXX in the amount of {$17000.00} ; and Handled my account and dispute poorly I have been a long standing customer with JP Morgan Chase. I am both furious and disappointed with how my account was unprotected and the unsatisfactory handling of a recent dispute and re-dispute. Summary of the events are detailed below : a. On XX/XX/XXXX, seven ( 7 ) charges, {$2500.00} per charge, totaling {$17000.00} posted to my credit card account. This is not normal activity based on my purchasing history. Yet, I received no alerts from Chase Credit Card Services regarding this extremely large amount or unusual activity. b. On XX/XX/XXXX, I discovered the charges and initiated the dispute process advising Chase Credit Card Services that I did not make purchases from XXXX XXXX. I used my credit card on XX/XX/XXXX to hold rooms for an upcoming trip in XX/XX/XXXX. I presented my card based on the terms disclosed verbally by XXXX central reservation agent. Terms : The room rate quoted was approximately {$140.00} - {$160.00} per night per room and I could cancel at least 3 days prior to check-in with no obligation. XXXX Since then, I have spoken with XXXX XXXX and Chase Credit Card Services on numerous occasions explaining the above events. Pre-authorizations to hold rooms are common practice in the hotel industry and my past experience with this practice has never been an issue. d. In XXXX response, they stated that I purchased rooms through a special event and signed a rental agreement. Neither are true. I did not sign and execute a rental agreement. e. In addition, XXXX policy outlines that full payment is due at time of booking during special events. Again, these terms were not disclosed to me at time of booking. Providing a conflicting policy via email confirmation embedded within a link, unbeknownst to me, after Ive presented my card is unacceptable and unethical. Yet, Chase Credit Card Services has allowed XXXX to get away with it. f. On XX/XX/XXXX ( original dispute ) and XX/XX/XXXX ( re-dispute ), Chase Credit Card Services informed me that the dispute was ruled in XXXX favor. g. I strongly disagree with the ruling. The dispute reason on the chargeback documentation was listed as canceled/returned. This implies that non-cancelable/non-refundable terms at the {$540.00} per night per room rate were disclosed to me and I agreed to the terms by presenting my card information. This is not the case. The terms disclosed to me were totally different. See item b above. h. Chase did not take the proper action or ask the right questions to support me in this case. Instead, they kept asking me for documentation for a telephone reservation. There is no documentation other than the email confirmations sent after I provided my card information. Again, providing a conflicting policy via email confirmation embedded within a link, unbeknownst to me, after Ive presented my card is unacceptable and unethical. i. Wyndhams response contradicts my account of events. Why didnt Chase Credit Card Services require a copy of the rental agreement or request recorded calls before posting {$17000.00} back to my card account? Did they, specifically, ask XXXX what terms were disclosed to me prior to me presenting my card? Also, the hotel has plenty of time to fill those rooms for a XX/XX/XXXX check-in date. Instead, Im a consumer being cheated out of {$17000.00}. If you are the company that Ive believed you to be all of these years, I know that you will make this right. I hold Chase Credit Card Services fully liable for the {$17000.00} and expect this amount and related finance charges to be returned to my account before my XXXX due date. | ||||||
| 03/01/2019 | Yes |
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| I called JP Morgan Chase regarding my Private Mortgage Insurance in early XXXX. My mortgage was purchased by the entity in XXXX and I have been paying Private Mortgage Insurance since inception of the loan. During XXXX I realized we were very close to reaching the 80 % LTV thresh-hold required to get rid of our PMI and wanted to go ahead and pay down my principal to reach the magic thresh-hold. Our family had much more free cash available and getting rid of the approximately {$100.00} additional monthly payment seemed to make sense. When I called and asked if could pay down the additional principal I was told that even if I did that I would have to either ( 1 ) pay for an appraisal or ( 2 ) wait until XX/XX/XXXX and request a waiver of PMI. I decided that instead of forfeiting {$550.00} I would wait the additional year. Getting close to XX/XX/XXXX I called Chase and asked what steps I would have to take to remove my PMI. I was told that even though my LTV would dip below the 80 % thresh-hold this year I would still have to pay for an appraisal or wait until my LTV hit 78 % for the PMI to fall off. I was very thorough in my original dealings with chase and was told that once I hit 80 % I would not have to pay for an appraisal, rather I would just have to request the amount be waived. Had I been given accurate information in the beginning, I would have paid for the appraisal - saving me over {$2500.00} in PMI payments. I also was VERY thorough in my communications with chase and calculated every scenario giving them ample proof that my LTV was well within the requirements. This work on my end was ignored and their response was simply that I had to pay for an appraisal anyway. I am going to pay the appraisal - mainly because I'm tired of throwing away money when my account is obviously not a risk. I have never been late on any debt payment including my mortgage payments to Chase. Please see my communication with them below regarding why a waiver is applicable in my scenario. " I would like to request a waiver of our monthly PMI payment. Our principal amount due {$130000.00} hits 79.93 percent of the original loan value {$170000.00} in XX/XX/XXXX. At this point in time the amount due will only be 73.62 percent of our original appraised value {$190000.00}. The original appraisal was performed on XX/XX/XXXX by XXXX XXXX, XXXX License # TX XXXX R. Our current value according to the XXXX County Appraisal District is {$220000.00}. Using this value as of XX/XX/XXXX our LTV will be 61.21 percent. The appraisal value from the district is publicly available via the XXXX County Appraisal District at XXXX XXXX XXXX. You can confirm this value easily by searching for our home. Other factors to consider when determining whether to waive the PMI amount include our current annual income of {$220000.00}, our high credit scores, and our history of timely payments both regarding our credit card with chase, our mortgage with chase, and any escrow shortages that hit our account. I will be happy to provide any documents required to process this request. I contacted chase in XXXX regarding removal of the PMI and at that time I was told I would have to receive an appraisal costing {$550.00} to remove the PMI OR I could wait until XX/XX/XXXX and fill out paperwork and the PMI would be waived at this point. I am now being told that I will have to pay an appraisal fee in XX/XX/XXXX, even though I confirmed with the original contact that this would not be the case. If I had been given clear information at the time of my first request I would have paid the {$550.00} and forewent the addition 12 months of PMI {$1100.00}. I am tired of dealing with the inadequate information Chase provides regarding the removal of this PMI. I understand that PMI is for protection of the lender, which is completely understandable, however, based on factors listed above I do not consider our account a risk and do not believe the insurance payment is necessary. Please accept this as my request for a waiver. '' | ||||||
| 03/21/2022 | Yes |
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| I opened up a Chase Southwest Rapid Rewards XXXX Credit Card in XXXX when they had a promotional offer that stated, you received XXXX bonus points once hitting {XXXX} in purchases and an additional XXXX bonus points once hitting {XXXX} in purchases. In XXXX, I read through Rapid Rewards XXXX Card Rewards Program Agreement terms and conditions, as well as, took a look at Chase 's Website FAQ 's and Chase and Southwest Websites FAQ 's to understand what purchases would count towards the XXXX XXXX XXXX and XXXX XXXX XXXX. As per this link, https : //creditcards.chase.com/southwest/FAQ, under " Enjoying XXXX XXXX Sooner '' it shows a graphic that includes what the cut off dates are for purchases for XXXX or XXXX XXXX XXXX. The chart clearly shows that purchases made on XX/XX/XXXX and XX/XX/XXXX count for the XXXX companion pass. I used this information to inform my purchases that I made XX/XX/XXXX knowing that they would count for the XXXX XXXX XXXX year. However, that was not the case. Chase deposited those points into my account for XXXX not XXXX, like their own FAQ states. Additionally, due to unforeseen circumstances, I had to return two items that would have dropped me well before the {XXXX} threshold for the bonus points. However, this did not remove the XXXX bonus points for hitting {XXXX} in purchases. According to Chase 's own FAQ website, https : //www.chase.com/personal/credit-cards/education/basics/how-refunds-and-returns-work-on-credit-cards # : ~ : text=Will % 20I % 20lose % 20my % 20reward, has % 20posted % 20to % 20your % 20account., under " Will I lose my reward points if I make a return? '' it states that " The rewards points earned through he purchase will be deducted from your point earnings ( which can include bonus points ) once the transaction has posted to your account ''. However, that was not the case. Chase did not return the XXXX points from XXXX and deposit them in XXXX for when I did actually hit {XXXX} in purchases. I called Chase several times throughout this ordeal to reach resolution, first in XXXX, then XXXX, XXXX, and XXXX. When I called in XXXX they escalated the issue to the marketing department that sent me a letter to call southwest to resolve the issue, which I previously did in XXXX and they told me to call Chase. Upon calling them to get clarification for the letter, I was told that Bonus Points do not count towards the returns, when in their own FAQ it clearly states that they do. As well as in their fine print under the Rapid Rewards XXXX Card Rewards Program Agreement under " Information about earning and transferring points and XXXX to Southwest Airlines '' it states " points are earned at the close of each monthly billing cycle, based on the purchases made during that billing cycle, PLUS ANY BONUS POINTS POSTED DURING THAT BILLING CYCLE, BUT MINUS AND RETURNS OR REFUNDS. '' This continues to state that bonus points are apart of the returns or refunds policy. Chase claims that there is nothing they can do because the points have already posted and that they did not make an error. But, based on the information presented to consumers, including myself, on two Chase websites and their own terms and agreements, my purchases on the XXXX should NOT have counted towards XXXX XXXX XXXX and my returns dipped me well below the {XXXX} threshold that they should have posted for XXXX XXXX XXXX. Based on the information presented to me by Chase, I made a consumer decision to buy an item on XX/XX/XXXX thinking it would post on my XXXX XXXX XXXX not for XXXX. However the information on their website is incorrect ( their customer service representative even agreed that the information is incorrect and misleading ). I have been told there is nothing Chase can do to correct the situation based on their misleading and incorrect statements online. I only selected this credit card offer to work towards a XXXX XXXX and unfortunately that was a promotion that was unrealizable because of misleading and incorrect information on behalf of the company. | ||||||
| 06/11/2019 | Yes |
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| I checked my bank account and had an available balance of {$94.00} at approximately XXXX EST on XX/XX/2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this {$160.00} was taken and applied first after several transactions dating back to the previous week. I then asked to speak with a supervisor. I was transferred again to a XXXX call center and spoke with XXXX XXXX. She by her own admission stated that they have an ordering system for transactions and they can and will post items even at XXXX based on their own criteria. Again, I said that if Im being assessed fees for pending items, that I am not being allowed the opportunity to make a deposit or transfer funds into the account before XXXX of that business day which is marketed as a overdraft and debit protection. I called back a third time and spoke with XXXX in a XXXX based call center. She advised me that the bank has no control over when merchants submit ACH automatic debits and for credit purchases, the merchants have 180 days to do so. Again, this is not logical because for all debit purchases require the cardholder to enter their pin, which should equate to the funds being debited IMMEDIATELY. She by her own admission stated that the order sequence is from HIGHEST to SMALLEST transaction. I told her that these were all debit transactions that have been reordered and some were extremely aged from the previous week. I then asked to be transferred to a supervisor in a US based call center. At this time, I was transferred to XXXX. She advised that theyre ordering system starts with the HIGHEST amount transaction per category then to lowest and they can assess 3 insufficient fees per day. This proves that not only does Chase change the ordering system, it is likely they utilize a software program to do so. This is very deceptive in nature. And it greatly benefits Chase to be able to profit substantially in the amount of {$100.00} per account holder per day. This has and remains to be an ongoing issue with this institution in which several class action lawsuits have been brought against for such deceptive and unethical business and banking practices. Chase has simply attempted to find a method that appears to be legal and undetectable to gain profit. Even if doing so on pending transactions which is not only unethical but seemingly illegal. Chase continues to misrepresent their debit protection, overdraft protection, processing times, and processing order. Their processing order overdrafts the account on items that would have more than enough available funds to cover. However, Chase continues to change the order on days old transactions for the potential to have consumer overspend and be manipulated in what their balance truly is. And they have adopted such practices and implemented training to their employees domestically and internationally to deceive the unwitting and otherwise inattentive account holder. Since filing my first complaint, this predatory practice has occurred again on twp separate occasions resulting in an additional 8 fees amounting to {$270.00} on the account. 3 being assessed in the early morning hours after XXXX EST. | ||||||
| 04/19/2023 | Yes |
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| On XX/XX/XXXX at XXXX to XXXX XXXX I deposited funds into a Chase Bank drive up ATM machine on XXXX XXXX in XXXX XXXX. The deposit included {$1000.00} in XXXX dollar bills, XXXX XXXX dollar bill, and a wad of XXXX dollar bills ( either twenty-three or twenty-four of them ), a total deposit amount of either {$1500.00} or {$1500.00}. The ATM took my money and an error appeared on the screen. It said " We're having some trouble. To be sure your deposit went through, please call us at XXXX. We'll print this number on your receipt. A receipt was then issued by the ATM that said the same thing. ( I have a video of this ). I called the number given to me. It was after hours. I then deposited XXXX dollar ( XXXX XXXX ) to make sure my money wasn't stuck in the deposit feeder waiting for the next person to take. The atm deposited my {$1.00} with no problems. The next day I called the phone number again and filed a complaint. The person on the phone took my complaint and said that when the company that services the ATM finds the funds they would credit my account for the correct amount, either {$1500.00} or {$1500.00}. They then issued a temporary credit to my account for {$1500.00}. I waited. On XX/XX/XXXX at XXXX XXXX I called again to check on the status of this. I was told it was still pending and to give it until XXXX. When I was at the bank again today, they said it appeared that the credit was in the process of being withdrawn. I called the complaint line again and was told that it had been finalized for {$1500.00}. I asked why it had been finalized at {$1500.00}, they then read me the notes, and told me I had said that I was unsure if the deposit was {$1500.00} or {$1500.00}, they then asked me why their staff member had put the pending credit in for {$1500.00}. I said they needed to tell me that, since it was clearly in their notes that I had said {$1500.00} or {$1500.00}. I know there was only XXXX {$50.00} bill in that deposit, so mathematically, there is no way the deposit could have been {$1500.00}. I was then told I had waited to long to address this and nothing could be done. I asked why I hadn't been told that when I had called to follow up on XX/XX/XXXX. They said they did not know. I then asked what denominations of money they had pulled out of the ATM. They said they could not share this information with me. They then said that I could send them proof of the denominations I had deposited. I asked since it was cash, what they considered an acceptable form of proof. They said they could not provide an example of an acceptable form of proof. I told them since I deposit large amounts of cash in their ATMs on a regular basis I wanted to know what their preferred acceptable form of proof was for a cash deposit, so the next time this happens and I can have an acceptable form of proof at hand to show them what my cash deposit was. They didn't have an answer. I demanded an answer and told them I would keep calling back until I received XXXX. The man on the phone then said that it appeared that I had only deposited {$1300.00} and when I asked him what the denomination deposited into the ATM had been and again he said he couldn't disclose this information. We went around in circles like this for quite some time. At this point, I don't even care about the {$10.00} or {$30.00}. Its the point that they didn't verify what was deposited, and they are refusing to disclose to me the denominations that were found. They the fact that they followed up with the burden of proof was on me to show what cash amounts I had put in the ATM, and when I asked what they considered an acceptable form of proof of a cash deposit to be so I would have one ready for next time and they refused to give me an answer. I want to know what an acceptable form of proof of a cash deposit is to Chase Bank, because the fact that they told me to send one means that there is one, especially when they refuse to release to me the denominations that were found which places the burden of proof on me. | ||||||
| 12/02/2019 | Yes |
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| I will identify as XXXX. I am a Florida XXXX XXXX XXXX, the 17-year-JP Morgan Chase Visa account-holder in excellent standing, and the direct victim of unfair and unlawful billing practices ( 5 DOCUMENTED, WILLFUL violations of the FCBA ) by JP Morgan Chase Visa. XXXX is my son, is a law school student out of state, and the direct victim of a scam perpetrated by someone named XXXX whom Chase Visa willingly refuses to make effort to protect my assets from. XX/XX/XXXX, XXXX-XXXX attempted to perpetrate a Dynamic Currency Conversion Scam, known to banks and credit agencies, on my Chase Visa ( refer to XX/XX/XXXX paragraph below for details of incident that occurred in XXXX ). I immediately reported it to Chase Visa, ON THIS DAY, to notify them of this potentially fraudulent transaction and was told by Chase Visa my card would be canceled, as as it is now compromised ; misused by a stranger and, you will not be responsible for the unauthorized charge. New card will be issued. I asked if there was anything further I needed to do?, and the gentleman said no, you can stop worrying. SEVENTY-SEVEN ( 77 ) DAYS ELAPSED ... XX/XX/2019-I just happen upon a post to my account for the XXXX scam. I have alerts set and NO COMMUNICATION OF ANY KIND was sent to me. In addition, foreign transaction fee was added. Chase Visa NEVER MADE ME AWARE an investigation was even taking place. XX/XX/2019I call XXXX. Spoke to XXXX. I explained it appeared that when XXXX was at XXXX XXXX he attempted to hale a taxi, his card was taken by someone posing as a driver and was told his fare would be XXXX ; equal to XXXXUSD, and took his Chase Visa , disappeared to an undisclosed location for an extended period of time, returned to give XXXX his card back and told XXXX no receipt, your card did not go through and turned quickly and ran-thus rendering this transaction undelivered goods and/or services. Id already told this to Chase Visa on XX/XX/XXXX. XXXX said, it looks like it did not convert as it was supposed to and she instructed me to file a dispute, write a letter, fax it to XXXX, which I did. Since that XX/XX/XXXX call, Chase Visa has refused me customer service, refused to comply with all requests to supply me with evidence of an investigation, employed a shifting set of reasons to justify this fraud ( labeled first a fraud, then dispute, then it didnt convert from CLP, to most recently not supposed to be billed in CLP ), and most importantly Chase Visa has willfully and intentionally committed repetitive violations of the Fair Credit Billing Act ( FCBA ). Chase Visa FCBA Violations ( documentation included in attachments ) : 1. No notice ( written or otherwise ) provided EVER provided ( required to do that within 30 days ) that an investigation of the XX/XX/XXXX incident was taking place ( see XX/XX/XXXX screenshot attachment of notices and letters posted to my account ). XXXX. Resolution to an investigation must take place within 60 days ( see screenshot attachment of XXXX post on XX/XX/XXXX then again on XX/XX/XXXX ). 3. Refusal to refrain from reporting and threatening to report delinquent payment to credit bureaus to affect adversely on my credit during fraud/dispute investigation/resolution ( see attached letters from Chase Visa dated XXXX, XXXX and XX/XX/XXXX ). 4. Refusal to withhold charges of interest during fraud/dispute investigation/resolution ( see attached copy of charge on statement ). 5. Implementation of unfair/unlawful billing practices as related to unauthorized charges and currency conversion-how can it be legal to say no documentation on file that supports merchant was to bill ... in Pesos when EVERY SINGLE FOREIGN TRANSACTION WITH CHASE VISA I HAVE HAD OVER YEARS has been merchants billing in THEIR COUNTRYS currency ( set the precedent! ), and SUDDENLY THIS transaction doesnt?? - ( see starred paragraph on attached letter from Visa dated XX/XX/XXXX ). My account records will reveal EVERY foreign transaction to-date, has converted from that country to USD. | ||||||
| 01/11/2018 | Yes |
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Web | Older American, Servicemember |
| MY REGISTER COMPLAINT ON A FRAUD TRANSACTION ON MY CHECKING ACCOUNT BY JP MORGAN CHASE BANK XX/XX/XXXX To whom it may concern: There was a fraudulent checking account transaction that took place on XX/XX/XXXX, in which there was a withdrawal of $XXXX for a payment to XXXX XXXX XXXX, but this unauthorized fraudulent withdrawal wasnt notice by me until XX/XX/XXXX when I check my account on-line. Accordingly, I did call XXXX XXXX XXXX at their XXXX and talked to XXXX in the claim department to file a complaint on this fraudulent banking account transaction that was done on my checking account. On the same day I did receive an e-mail from JP Morgan Chase Bank with a claim number of XXXX and telephone number of XXXX located in XXXX XXXX, Texas for the claim department. The next day I went JP Morgan Chase Branch Bank in XXXX XXXX, Arizona located at XXXX XXXX XXXX XXXX and had a form process and fax to Chase Claim Department in XXXX XXXX, Texas, so the claim could be process. I also under the advisement of Chase representative at that Chase Bank change my checking account number to prevent any further fraudulent action by any unknown party on it. From XX/XX/XXXX8 to XX/XX/XXXX I called JP Morgan Chase claim department and talk to such people known as XXXX, XXXX, XXXX, XXXX, a supervisor, and XXXX who actually worked in the claims department and found out the following: 1) The fraudulent banking account transaction was done by a person with a name of XXXX XXXX through a Clearing House for a payment to a XXXX XXXX XXXX using the routing number and the checking account number without any "verification" of the names on that checking account - - - nothing more. 2) XXXX XXXX XXXX claim department personnel are reluctant to give me any further detail information of the Clearing House location, a transaction process number from that Clearing House, and the location of the XXXX XXXX XXXX where the payment was made. 3) Meanwhile, JP Morgan Chase did reimburse my checking account in the amount of $XXXX (which was taken out by this fraudulent transaction , but shown as a "temporary" fix) , but this was a temporary reimbursement - - - per them - - - until they finish their investigation, which should be within 45 days from XXXX XXXX XXXX or by XXXX XXXX XXXX per them. Finally, I made a call to XXXX XXXX Police Department and talked to XXXX XXXX police officer XXXX XXXX at XXXX to have the following police case #XXXX assign to this fraudulent banking account transaction. The following is a copy of an e-mail send to me by JP Morgan Chase Claim Department with a claim number and a telephone number to call for further information on the claim: COPY OF E-MAIL RECEIVED FROM JP MORGAN CHASE From: Chase Customer Claims Sent: Wednesday, XX/XX/XXXX XXXX XXXX Welcome to the Chase Customer Claims Secure Document Exchange. You recently contacted Chase regarding your claim number XXXX. Your documents are available for your review on this site. Per our telephone conversation, you will need to login to the secure website by clicking on the link below, or you can copy and paste the link into your browser's address bar. XXXX Your user name is XXXX You will have chosen a password the last time you visited this site but if you have forgotten it you can request a reminder by clicking on the link below, or you can copy and paste the link into your browser's address bar. XXXX An email will be sent containing the hint you provided last time and the option to reset your password if needed. PLEASE NOTE: This site is only used for secure document exchange relating to customer claims. Updating your password on Chase Customer Claims Secure Document Exchange will have no impact on established Chase.com passwords on other sites. Once logged in, you will be able to access your customer correspondence on our secure website. Thank you for using Chase Customer Claims Secure Document Exchange. To contact Chase for claim related questions or to withdraw your claim, please call XXXX. | ||||||
| 10/25/2019 | Yes |
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Web | Servicemember |
| Chase bank in XXXX, Texas. I have filed a claim before. I have been a customer for 13 year 's. My accounts were in great shape. I received a call from them asking if I was in XXXX, I was not. They proceeded to cancel my credit card and then representative told me I would be receiving a new card but with same numbers since I asked so I could call my bill pays to change if they were giving me new numbers. She confirmed my information and when the card came in the mail I activated it and I had recently made a XXXX XXXX payment online. The card did not work I called customer service and they had the wro g Zip cde she changed it but when I went to purchase items the imit was XXXX XXXX my purchase was XXXX it was declined. I went online and noticed that when I had been paying with my debit card the purchases were being taken out of my checking, savings and it on a card that wasn't mine. I went to the branch and the VP, cancelled the new cards, closed my checking accounts and gave me a number to call to file the credit card fraud since it was a different Dept. We opened up new accounts and wi agreed to freeze the fraud one so I wouldn't have access and in the meantime they would mice my wires into new account. I called the credit card division, claim numbers and they couldn't find my XXXX XXXX payment nor the XXXX payment which the card had XXXX balance. The fraud card had XXXX XXXX on it. I received letters on the status followed up but when I asked if they were issuing me a new card they said no to apply on line and I was a victim of identity theft. They then told me I was responsible for the other card which that card was in my possession for three days since someone make a XXXX payment, I said it was not me since I knew it was cancelled. Then the credit card calls me to collect on the fraud card and I told her what happened she said there is no record of me calling to file the complaint. I said I received letters in the mail and whom have been giving my personal information to? They found theXXXX XXXX told me I wouldn't be liable ten I pulled my credit report and noticed on XXXX they cancelled the fraud one stuck it in my credit report and there s a another credit card ending in XXXX. The bank account I froze has a negative XXXX which I didn't have access they allowed the Seller. I want my credit card reissued to me with a XXXX balance since I have records of paying it off, it was FDIC insured so I want the additional XXXX and I want explanations on retirement accounts being cashed and linked wrong and I want it off my credit report. I have been harassed in that small town trying to resolve this list my house which was paid off and I wasn't told. I had my electricity water shut off because the bank froze my other account and overcharged me on fees when I had over draft protection. I wrote a check to a salon Chase bank told them t bounced I was charged over draft fees and I went there to the branch certified a copy to the showing it clears the bank. I realized the deposits it back in a federal account instead. The deposits it 4 times my wires that were XXXX every two weeks in the fraudulent checking account I didn't have access to I was told there was only XXXX the lady was handing me XXXX in cash and I the receipt it read XXXX cash XXXX .ok withdrawn totaling a XXXX but telling me only XXXX came through which thoses payment was from my ex hubby and that amount S that for two years. I have XXXX XXXX I had insurance from my home if I lost it my insurance didn't tell me either. I will be meeting with an attorney since I am homeless, Everytime I pursue this my phone shut off so I will give you my PO box to send my card. I can't pay for my storage unit which they think I stored the proof there I didn't so lease let me know what other information you need for proof.The Chase rep wanted me to research my credit payment it wasn't my job. I will be pursing my retirement health flex spending accounts mutual funds and the insurance po! icy if I can't resolve this by Monday. | ||||||
| 07/23/2019 | Yes |
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| On XX/XX/XXXX, we stopped paying our mortgage due to an aging parent experiencing a life threatening illness. I had to leave my employment and rush down to Florida for a few weeks, which unfortunately turned into a few months to assist my ailing parent. During this time, we solely survived on my wife 's XXXX salary. We fell behind on all of our bills during this time. When I returned in late XX/XX/XXXX, my job was no longer available to me. I was unemployed as a full time XXXX. I worked as a seasonal/part time travel XXXX XXXX and XXXX XXXX at the time because it was the fastest way to put food on the table for my family. I did not have enough hours to claim unemployment from my XXXX employer. In XX/XX/XXXX we were served the summons /complaint for a foreclosure from Chase 's attorney. I kept actively job searching for full time employment and on XX/XX/XXXX I acquired a full time XXXX position. On XX/XX/XXXX, we immediately sent in the loan modification application with my new income and my wife 's XXXX salary. We knew applying for a loan mod would also put a temporary hold on the foreclosure process. On XX/XX/XXXX we received the denial letter for loan modification for reasons of insufficient income which at the time was {$6100.00} gross monthly jointly. This is when we went for immediate housing counseling advice and I started searching for a higher income employment to give us a better chance to save our home and be eligible. I set out to find a higher paying position in the tri-sate area and got one. I re-entered a field that I had left 10 years ago due to excessive long hours and no time for my family. I had no other choice in order to make more income and try to reapply for a loan mod. In late XX/XX/XXXX, I officially acquired a full time position in the field of XXXX at an entry level, but still this was an increase from my previous employment. I'm currently making gross biweekly salary of {$1600.00} and net XXXX. My wife makes gross biweekly XXXX and net XXXX. This time our joint gross income was {$8500.00} per month. We reapplied for a loan modification on XX/XX/XXXX, XXXX this is once I had 2 consecutive pay-stubs from my new employer which Chase mortgage lender strictly required. We waited for 6 weeks before Chase contacted us. It was not a decision, it was about sending a new loan mod application with present date because the last application date had expired. We faxed it again on XX/XX/XXXX with the date updated. We were confused because we had sent pay stubs required with our application the first time in XXXX and those were acceptable. Then shortly after, they requested the most recent pay stubs from my wife because those had also expired. This process took much longer than ever, and we kept falling deeper into arrears in the meantime. Finally on XX/XX/XXXX, we received a 6 page denial letter with 3 pages of Net present value/eligibility data from Chase dated XX/XX/XXXX. To our surprise, we were denied all mortgage assistance options to keep OR Sell our home. This also mentioned on 4th page that we had until XX/XX/XXXX to appeal their decision. We read this letter several times to find the actual reasons why all the options of our application were denied. We could not find any sort of explanation. As a result of this, we sent an electronic appeal to chase on XX/XX/XXXX after consulting with our housing counselor from XXXX XXXX XXXX. At the present time, we have not heard back from Chase with a reply concerning our appeal. All they have said in the last few weeks when we have attempted to call is that our foreclosure has been put on hold in the meantime while they review our appeal. We received a letter that this process will be determined by end of XXXX, but with their track record of lagging we aren't sure we should just wait around. We are now 15 months in arrears with a total of {$45000.00} we fell behind. We have no way to pay that back in a lump sum, but we can afford a repayment plan on top of our normal {$2500.00} mortgage payment. | ||||||
| 08/02/2023 | Yes |
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| Hi, I am a proud chase bank customer, but I am not so proud as of this past year. Reason being on multiplications theres too many today where Ive gone to pay bills and my important bills to get sent back and Chase decides to take small, petty subscriptions out of my account, which draw my account negative instead of Charging the actual bills that need to be paid and double dipping on their fraudulent and sketchy overdraft policy. Ive noticed that when I try to make a payment and I have a few dollars left over after I pay a car note the car note goes through, but then a few minutes later a XXXX subscription comes in to play. It makes my account negative instead of them taking my negative account and blocking that XXXX to subscription they put that on my account and bounce my car note. I am not able to process bills as I wish because of this XXXX double dipping on fees. Theyve done this numerous times and every time I call and ask about what is up with all these overdraft fees they say Im sorry and give it right back, but I shouldnt have to keep calling them every time and having them reversed my overdraft fees then not only that when I do call they said that they already gave me an overdraft reimbursement for the month and I dont have another one available for another month or two so Im trying to figure out how I owe money that I dont have an account to them when they are the ones that are double dipping and taking money out of my account, knowing theres no money in the account, not only this Im having another issue with my car loan and which my car I made payments and I havent been late on payments until recently when the market really went downhill and Ive noticed that when I checked how much I still owe after 6 to 7 months I still owe the bank, the same amount of money even though I made payments so Im figuring out that XXXX XXXX XXXX in XXXX XXXX Missouri is doing some shady and scamming stuff as well. I say this because every time I look at my monthly balance it has not dropped under {$31000.00}. Ive been paying majority of interest for the last 6 to 8 months and they never told me or inform me about what I want to put my payments for. I wanted to make sure I paid off the principal first so I could still sell my car and have value to it now my car has no value and Ive lost almost {$20000.00} in value on my car. My car is a XXXX XXXX XXXX XXXX XXXX. I bought the car for {$40000.00} now its also, a victim of the shady practices of the financial manager of XXXX XXXX XXXX XXXX XXXX XXXX dealership. I was taken advantage of again by the finance manager, by adding a whole bunch of stuff onto the car when I looked at the note before I shook hands with the salesman on a payment of {$36000.00} I went to the finance office and I hiked the price up to for almost {$41000.00}. I bought this car exactly 2 years ago XX/XX/XXXX. I did the math on my phone and my payments for {$590.00} a month which was very cheap on a 5.24 % interest rate. How am I still so far away and paying so much interest. I did the math. My term is 70+ months and my yearly annually payments for that car is just north of {$7300.00}. I am seeking remedy for the past year of nothing but overdraft fees that they continue to take out when I have overdraft protection, and they still charge my card. I also want to seek remedy for them, baiting me and taking advantage of me at the dealership and taking advantage of my monthly payments, putting it all towards their interest instead of the principle of my car payment where Im doubling and tripling the amount of the vehicle. You may be saying well youre paying over 70 months so its going to be majority of interest they never told me I was paying extra on top of the {$40000.00} that they put me on the loan for the loan was supposed to be the sum of all charges That means I wasnt supposed to pay more than I signed up for so my question is, where is my money going when their interest be calculated into the price of the vehicle?, it is not fair and I demand answers. | ||||||
| 10/21/2022 | Yes |
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| I am writing to complain about Chase Bank 's unfair insurance claim check funds distribution process. In XXXX of 2022 our home was damaged in a hail storm. We received funds from our insurance company to replace our roof and repaint the house. The check from the insurance company was written out to both myself and my wife, along with Chase Bank as they are the mortgage holder. We had to go into the bank and get them to endorse the check. Since the value of the funds received from insurance exceeded $ XXXX, Chase said they had to deposit the funds into an interest bearing account and we then needed to login to a website called XXXX to setup and account and manage the process. We were horrified to find this out as we deposited the check on Friday XX/XX/XXXX and the roofing contractor arrived on Monday XX/XX/XXXX to begin work and they told us the roof replacement would only take XXXX days. We immediately went onto the website to request an inspection ( required by Chase ). It took one week ( XX/XX/XXXX ) for an inspector to show up and verify the roof was replaced. Thursday XX/XX/XXXX the contractor showed up to be paid and we could not pay him in full due to Chase holding the funds. Contractor was extremely upset with us reminding us we had a written contract and he was due payment. Friday XX/XX/XXXX I called chase and argued with them and reminded them how urgently we needed the money to be released as we had an extremely upset contract who was due payment. The agreed to disburse 50 % of funds with held. Shockingly, even though the local Chase branch took our check and deposited it in their bank Chase said the only way to receive funds was to have the check mailed to us and there was not an option to go back into the branch and receive a check. It wasn't until the following Wednesday XX/XX/XXXX that the check arrived in the mail. Monday XX/XX/XXXX the painters showed up to paint the house. I am again in the same situation where they have completed their work and Chase is still with holding the funds and we are unable to pay the contractor. Timeline of events is as follows : Friday XX/XX/XXXX Chase takes the funds. Monday XX/XX/XXXX we setup the required account with XXXX. Monday XX/XX/XXXX roofers show up to begin work. Tuesday XX/XX/XXXX we request an inspection. XXXX says it will take 2-4 business days for someone to contact us. Thursday XX/XX/XXXX the roofing contractor finishes his work and asks for payment. We can not pay in full since Chase is holding funds. Friday XX/XX/XXXX I call Chase XXXX to complain/ argue they are inappropriately withholding money due the contractor. They say it takes time for the process to work through but agree to release 50 % of the funds. Monday XX/XX/XXXX painters show up to paint the house. Tuesday XX/XX/XXXX the inspector finally shows up and does the inspection. Wednesday XX/XX/XXXX the check shows up so we can pay the roofers. Thursday XX/XX/XXXX I call Chase XXXX to complain that the inspection still does not show complete even though the people were there two days previous. I can not schedule the final inspection until the first inspection shows complete. Friday XX/XX/XXXX I call Chase XXXX to complain again that the first inspection still does not show complete and I can't schedule the final inspection ( which will take an additional week to get on the books for someone to come out ). Contractor again is extremely upset they are not getting paid as agreed to in the contract. Shame on you Chase for instituting such a cumbersome non-responsive process for customers to receive the funds they are due and owed. You have created so much stress for us trying to manage contractors and pay them accordingly. You are hurting homeowners and small businesses while you sit on other peoples money. I understand why Chase wants to withhold money to ensure their property the co-own is taken care of and repaired appropriately. But institute processes that are timely and in the best interest of the mortgage holder. | ||||||
| 01/13/2023 | Yes |
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| I was filling out multiple applications for loans because I was behind on rent, one application I filled out was for a company called XXXX XXXX. Approximately 2-3 days later I get a call from a number I haven't seen before assuming it was a loan company responding to my applications. The person who called impersonated XXXX XXXX read my my name, address, phone, who I bank with and other small personal details that convinced me this was legit. The person impersonating XXXX XXXX told me my credit was too low to be accepted and they needed to build my credit for acceptance. They said they would pay off my chase credit card in full and in return I will give them gift cards I bought with the money they paid off my card with. After the very first time I went in a store and bought gift cards I contacted chase immediately because they sent me something pertaining fraud, when I was on the phone with chase I explained exactly what happened and why I was doing what I was doing and they never once told me this was scam likely, a fraud, or not normal for loan companies.They instead okayed what I was doing, they didn't do anything to stop, freeze and prevent me from doing this they just said " I've never heard of this '' and that was it. All while this took place my credit score instantly increased significantly upon the very first payment they put on my card. After that I was 100 % convinced I was dealing with the loan company and being young and XXXX at the time I continued to let them pay my card off and give them gift cards about 4-5 more times. I was then told I'd have the loan contract mailed to me the next day. After 2-3 more days I never received anything and continuously contacted this person and they told me there was issues and I had to come in person to fill out the application. They then gave me the address to a building in downtown XXXX, I showed up and was escorted out of the lobby because I came to find out XXXX XXXX was not a company in that building and was laughed at by security. Then when I get back to my car to call the impersonators of XXXX XXXX my number was blocked. I really thought nothing of this until a few months after all of this every single payment they put on my card got returned and chase told me that every payment was not authorized from the account it was sent from. That makes absolutely XXXX sense to me that that's even allowed to happen. Chase told me to file a police report which I did and nothing happened and I was never contacted with an update. Chase then told me my new card balance on my credit card of a max limit of {$4500.00} was {$23000.00}. My monthly payment was over {$1500.00} and at the time I didn't even make that much in the entire month from my job. Chase told me it was my fault and because I allowed it to happen I'm responsible, I told them I legit can't afford to pay 1 month of this it's more than I make in a month and they then told me they would transfer my debt to a 3rd party to consolidate it. Now fearing very badly I absolutely refused to allow any 3rd party that wasn't a bank to have anything to do with my banking and credit info. They told me then I can choose not pay it but never told me it would effect my credit or any of the consequences of doing that. A few months later I get a call from payars saying they now own my debt, and I have been paying my total of {$23000.00} on monthly payments of {$150.00}. I recently called XXXX and they have no knowledge of payars and show my debt still being paid through chase. Not only am I devastated this happened to me and literally ruined my life It makes me very angry/scared that a credit bureau can't even confirm this for me. I have been trying to look at options and dispute this charge on my credit for 2 years now and I'm not getting any help doing so, I feel I was taken advantage of and robbed out of {$23000.00} and ruined my credit very badly. This breaks my heart people can do this to innocent people and get away with it and the innocent ones are the ones held liable. | ||||||
| 05/02/2022 | Yes |
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| I was a victim in multiple XXXX scams that occurred at the same time on XX/XX/2022. I posted a stroller that I was selling on XXXX for {$200.00}. Two prospective buyers messaged me on XXXX and wanted to purchase the stroller. They asked if I took XXXX and I said yes. Both of them in the name of XXXX XXXX and XXXX XXXX XXXX who seem like they are unrelated to each other ) asked for my name and email to send XXXX payments to. Both of them said they sent each {$200.00} payments to me but for both transactions, I never received the funds in my Chase account. However, both of them said to check my email and that I should receive an email from XXXX. I should have checked these two emails closer ( all of these transactions were done over my smartphone so it was hard to see who the originator of the emails were ) when I received them b/c both emails impersonated official " XXXX '' XXXX but they were actually sent from personal gmail accounts. Both emails stated that my funds were pending b/c XXXX has a problem crediting my Chase account given the status of my XXXX account is not a business user. In order for me to be upgraded to a business user, I have to contact the payee to XXXX over to me another {$300.00} each and in return, I will need to refund the payees {$300.00} and to replay to both emails with a screen shot showing that I have sent over the {$300.00} each to both payees. And then it was weird that still the {$200.00} + {$300.00} funds each from both payees did not come through in my chase account as a credit but the payees kept on asking me where is their refund is. And then another bait and switch " XXXX '' email came to me asking that my incoming funds are further tied up in XXXX and that in order for me to receive these funds I need to send more amounts via XXXX to various people who are supposedly authorized agents of XXXX. In the email it says that once I send the funds over, the funds will be returned to me and I will receive a higher gross amount. I sent over the payment as suggested and I still did not receive any funds. More emails like that from " XXXX '' came through and I unfortunately sent more payment through to various individuals and I still did not receive any funds. Even the day after, I have not received any funds. I did checked my Chase account on XX/XX/2022 and a total of {$1900.00} of funds did went out and cleared to these recipients. Still on XX/XX/2022, no funds related to these transactions were ever credited to me. When I got home on XX/XX/XXXX, I was getting very worried that none of the transactions that were promised to me were credited to me but all my XXXX payments went through on Chase and were clearly deducted from my Chase account. As a result, I refused to make anymore payments. I went online to do some research on whether or not anyone has encountered something like this before and sure enough, there were comments on XXXX on how others were scammed like this. That is when I noticed this was a scam. Note that all communication between me and the scammers were done via facebook messenger. They were urgent and consistently wanted me to check my email for XXXX notifications. I asked one of the scammers in the XXXX chat as to why I am sending payments to people other than to them ( because if you look in the emails, you will notice that I am instructed to send XXXX payments to various individuals other than the scammers ' names ). That one scammer told me those folks are authorized agents of XXXX and they are there to settle the payments. I unfortunately believed that scammer. On XX/XX/XXXX, I have submitted a scam claim on XXXX and I have also reported this to the FTC and the FBI. On XX/XX/XXXX, I contacted Chase to file a dispute on the XXXX transaction debits that were pulled from my account and Chase said that unfortunately, they are not able to dispute these charges and the only resolution on their end was to notify XXXX that these transactions were considered a scam, and they will have to wait for XXXX to respond. | ||||||
| 01/30/2020 | Yes |
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| I incurred a fraudulent transaction while on vacation in XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX with my cousin. I was on a tight budget for this trip, and spent my time touring the sights of XXXX, dining at restaurants, going on tours, and enjoying the beach. While at the airport returning from my trip, I noticed there was a fraudulent transaction pending on my credit card statement. The charge was for {$960.00} and the merchant name XXXX XXXX. I immediately called Chase and advised the Chase representative that this charge was completely fraudulent, I did not make any charge in this amount, or purchase anything from XXXX XXXX. I am not a big spender on items when I travel I spend my time enjoying the sights and tours. I absolutely did not purchase anything on that day in question for anything near that amount of money. On the entire trip, I did not purchase any souvenirs big-ticket items. The charge was removed from my balance and I considered the matter closed. Three months later, in XXXX and close to the holidays, I received a letter from Chase stating that an investigation was conducted and the charge was determined to be valid. I questioned the rationale for this since 100 % this is a fraudulent transaction and I was informed by several Chase representatives that I spoke to that because it was a Chip Transaction and that Chip Transactions are fraud proof, I must have made the purchase. I adamantly stated I did not make any such purchase, or sign for such a purchase. I was told a signature is not required for Chip Transactions, even in that amount. I asked the Chase representatives I spoke with for any proof but Chase has REFUSED to provide any of the following : A detail for the transaction including items or services allegedly purchased Address and phone number of the store Any proof or signature that I authorized the transaction A receipt of the transaction The Chase representatives I spoke with stated they could not provide me any of the above information. The Chase representative I spoke with on XX/XX/XXXX admitted to me that Chase has been unable to reach the vendor by their listed phone number after several attempts. Further, the city where this alleged transaction took place was 7 hours drive away from XXXX XXXX XXXX and I provided proof to their fraud department that I was in XXXX during the day and time the transaction took place. Nonetheless, Chase representatives told me simply because it was a Chip Transaction, I was responsible. Yet there is no proof that anything was even purchased! I did not buy any good or service using my chase card that day. I was told my Chase that this alleged transaction took place on the morning of XX/XX/XXXX around XXXX. That morning I had left my card in my hotel room and went for a run on the beach, then spent the afternoon at the beach before returning to my hotel room around XXXX or XXXX. I sent timestamped pictures, a recorded run, and documentation as evidence to your fraud department including a XXXX post outlining my whereabouts and activities on the morning of XX/XX/XXXX. The bottom line here is that my Chase Reserve Card information was fraudulently used to make a transaction in excess of {$960.00} on the day in question, and Chase has been completely unhelpful in resolving this claim. Rather than placing any burden of proof on the merchant who fraudulently used my information to process a charge, Chase representatives have told me because it was a chip transaction, you must have authorized it. I have provided considerable evidence that I did not make or authorize this transaction, and this situation has placed a great financial burden on me. I have disputed this issue with chase several times, and at their highest " Executive Level '' of dispute. I was informed yesterday on XX/XX/XXXX by a representative " XXXX '' ad their executive team that they still are requiring me to pay for the fraudulent transaction and they consider the matter closed. Thank you for any assistance you can provide. | ||||||
| 04/17/2018 | Yes |
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| Chase Mortgage contacted me in XX/XX/XXXX indicating they would like us to apply for a HARP modification/refinance in order to help us getting on track with our payments and see if anything could be made easier for us. At the time we were behind by a payment and 1/2. When we started to have difficulty I was breaking the payment of {$1200.00} into two payments and paying {$700.00} twice a month. They accepted that payment 3 times and the fourth time they sent it back. I called Chase to find out why and found out I had a customer service representative named XXXX. XXXX offered the modification and told us he was 99.9 % positive we would be approved. We sent in all of the documentation needed. Every day or every two days he would call asking for more bank statements, more paystubs, more information. Finally, in XX/XX/XXXX when I still had not heard we were approved for the refinance I got in touch with XXXX and his response was " I'm so sorry, XXXX, you were not approved ''. I asked him what we needed to do and he said the only thing Chase was willing to offer was a short sale. At this point, since they were refusing any payment - they said the status had moved to foreclosure - we were behind by over {$5000.00}. I then contacted XXXX XXXX XXXX to find out what kind of help we could get, she suggested Chapter XXXX - to provide us with an automatic stay. We filed Chapter XXXX with the help of an attorney. By the time the Chapter XXXX was filed, Chase tole our attorney we now owed over {$11000.00} in arrears. We have been making payments to our trustee since XX/XX/XXXX. The first {$3500.00} went to attorney 's fees. Chase has been receiving both our regular house payment and our arrears since then. XX/XX/XXXX Chase sent a letter that our escrow was short {$2300.00}. Our choices were to pay it in full or raise our monthly payment to {$1500.00} to make up for the shortage and in anticipation of the future. We don't have the extra money laying around, so we accepted the change, but this is not affordable for us. This year, on XX/XX/XXXX, We received a statement from Chase that said we owe for XX/XX/XXXX and XX/XX/XXXX. ( the due date is the XXXX of the month ) We received a payment on XX/XX/XXXX that said we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I called to Chase On XX/XX/XXXX and spoke with a young lady there who put me on hold to speak with a supervisor. She said it was a clerical error and their mistake it should be corrected. On XX/XX/XXXX I received notification through XXXX XXXX that reporting had changed - Chase reported this loan over 120 days late. This is inaccurate reporting. I attempted to dispute on XXXX XXXX which they indicated they contacted Chase and nothing was changed. On XX/XX/XXXX I called again and spoke with XXXX. XXXX told me the person I spoke with on XX/XX/XXXX was not even in the bankruptcy department and that " occasionally Chase reviews accounts and in review they determined we were actually more behind that previously thought. Is there anything else I can do for you, ma'am? '' I then requested a payoff in writing and he said it would arrive in 5-7 business days. It is XX/XX/XXXX as I write this and we still have not received that payoff. I called today and spoke with a lady, XXXX XXXX, and she stated the letter went out today at XXXX XXXX. In addition, we received a statement yesterday, dated XX/XX/XXXX that says we owe {$9700.00} as our payment. No explanations, nothing broken down. Throughout this time we have also seen charges for random appraisals and inspections ranging from {$40.00} - {$150.00} at a time. When I have called on them they tell me they occasionally need to update their information. I feel like Chase has charged us exorbitantly for things that have not been authorized by us or even notified of. Crediting payment is unethical. In the 7 years we have been a customer they have never said " we review from time to time and we've determined your payments weren't on time after all. '' | ||||||
| 05/05/2022 | Yes |
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| Claims to return Fraudulent withdrawals denied. I've had 7 fraudulent withdrawals from my checking and savings account. All of them after I reported to the bank that My Identity had been stolen, and someone was using a false id. The reasons for the denial, 1. The bank used is with in my area of banking, even thou I live in California, and the fraudulent activity is going on in NY. 2. The person presented a valid ID, and I have not reported my ID stolen. The id presented is a military ID, I know this because it's written in the scanned receipt for the transaction. I do not have a military ID. 3. The signature matches previous transactions. This is a complete fabrication ; I can see the signatures presented in the withdrawal receipts, and they are not even close to my real signature. The level of incompetence that chase has demonstrated is beyond belief. Here 's a brief description of the timeline so far. XX/XX/2022 - Called Chase and informed them someone tried using a fake ID in NY to make changes to my phone, and I was worried they could use this method to gain access to my account. Was told additional security would be added including a passcode. XX/XX/2022 - I received an email asking to review my experience with my visit at the branch in NY. I called to report, and was told no email had been sent from chase. While I'm on the phone, I look up my account online, and see that XXXX dollars had been withdrawn from my savings account, and {$300.00} withdrawal was pending. Additionally, there was a {$2.00} counter check fee that no one could explain. I asked my accounts to be frozen, but no one was able to do it on a Sunday. XX/XX/2022 - Called the fraud and Claims department, and while I'm talking to them I see a {$1000.00}, and {$500.00} withdrawal from my savings. At this point they restrict my accounts, suggest I go to a branch so they can open new accounts, since these numbers where compromised. I followed their direction, and opened new accounts, and was told additional notes for security where added to my account. XX/XX/2022 - Two fraudulent withdrawals where made from the new accounts. One for {$1000.00} from the new savings account, and one for {$500.00} from the new checking account. I called to report it, and the person I talked to at the Claims department told me : " We are having a security issue with that branch '' I froze my accounts. XX/XX/2022 - Withdrew the remaining funds from my accounts at Chase in a branch in California. XX/XX/2022 - Called the Claims department to check on the Status of my Claims. When reviewing the claims, the amounts where not adding up. It appears that the first person, did not submit the first fraudulent transaction of {$200.00}, even thou that was the reason for my call, and I clearly stated that it was a fraudulent transaction. They started a new claim for this amount. XX/XX/2022 - The claim for the {$500.00} checking was approved an the money was deposited into my account. XX/XX/2022 - Called to check on status of the claims, and was told that a " decision had been made, and I would get a letter explaining the decision '' The person did not want to tell me what was the decision that was made. After asking for a supervisor, she proceeded to tell me that the claim was denied for the 3 reasons stated above. I spoke to a supervisor, and the only answer I get is we will re-submit and you will hear an answer within 3-5 business days. I have followed every step Chase gave me, I have been patient and respectful at every call, and the answer is always the same. I will add this to the notes, and a decision will be made in 3-5 days. I've asked for contact information to the department that actually makes the decisions so that I may make my case to them, and I'm told that information is not available to me. I have been a chase costumer for almost 20 years, and have always had successful dealings chase Personal. The level of incompetence I've seen at every step when trying to protect my money is incredulous. | ||||||
| 12/30/2022 | Yes |
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| I had a personal check from my Chase bank stolen from USPS somewhere between me putting it in a local mailbox and it traveling to its intended target- the City of XXXX XXXX XXXXXXXX XXXX The check, which was in the amount of {$500.00} and made out to " The City of XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and dated XX/XX/XXXX, was intercepted in the mail. The amount was changed to {$9500.00}, the check was signed by an individual on the back, and then cashed at a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I first reported this to my local Chase bank on XX/XX/XXXX, at which point I filled out a Declaration of Unauthorized Endorsement or Altered Item at their request. I was told I didn't have to do anything else, and that my funds would be recovered in 60-90 days, so no later than XX/XX/XXXX. When XX/XX/XXXX came and went with no updates, I revisited the same local Chase branch. I was told that they had no paper trail of my complaint. While I am certain that they could pull camera footage to show me filling out paperwork in XXXX, the nightmare had begun. I filed the same paperwork at the same bank on XX/XX/XXXX. This time, they recommended that I call the claims department to confirm receipt a week later. I did, and they confirmed receipt on XX/XX/XXXX. I was told to wait another 90 days for the case to be solved, even though I explained that I had already waited 90 days and it was past due. The " new '' 90 days came and went, and I followed up with Chase on XX/XX/XXXX. I was told that Chase was still waiting on a response from XXXX XXXX, and that there was nothing I could do to escalate or expedite this. The delayed solution caused me serious financial distress, as I struggled to cover expenses and taxes. I was given a new deadline by Chase - XX/XX/XXXX. I filed a police report on XX/XX/XXXX. After interacting via phone with Chase on XX/XX/XXXX, I was given a new deadline of XX/XX/XXXX. I called Chase on XX/XX/XXXX and was told that the case was still open, but that I had to wait 120 days instead of 90. I was given no additional info. I called again XX/XX/XXXX, so past the 120 days, and I was told it still hadn't been solved. My case was escalated internally at Chase at this point. on XX/XX/XXXX, Chase told me that " XXXX XXXX has a backlog '' and that they could not give me a time frame. On XX/XX/XXXX I also filed a complaint with the CFPB, nine months after it all started, and received a written response from Chase on XX/XX/XXXX as a result. The response essentially just told me to continue to wait, with no deadlines or updates provided. Somehow, the CFPB considered this response to be perfectly acceptable, and closed my unsolved case. In XXXX of XXXX I interacted with XXXX at the JP Morgan Chase Executive Office on four separate occasions over the phone, she was my escalation contact. She repeatedly told me to keep waiting, stressing that XXXX XXXX had been unresponsive. I also tried the regular Chase Claims Department helpline and visting a physical Chase Bank location in person for help, with no success. In XXXX I spoke several times with XXXX XXXX at the Chase Complaint Escalation Group. He told me to keep waiting. On XX/XX/XXXX I received written correspondence from XXXX XXXX after reporting them to the CFPB. They said that they could not share any information with me, and that I had to go through my bank ( Chase ) for updates, despite the fact that my check was fraudulently cashed at XXXX XXXX. In the letter, sent to me 10 months after I first filed my claim, they acknowledged that such cases are usually solved within 120 days. Between XXXX and XXXX of XXXX I called XXXX, XXXX, and the claims department so many times I lost count. They told me to keep waiting for a solution. On XX/XX/XXXX I was sent a letter from Chase saying that they were not able to recover my funds as the depositing bank ( XXXX XXXX ) was not responding. They closed my case. I have copies of the check, the tax bill it was originally for, a log of all communication, and more. Please help! | ||||||
| 04/14/2022 | Yes |
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| I scheduled a payment plan with Chase bank for an outstanding credit card debt, which I had been unable to pay for many months due to COVID hardship and a series of bad, impulsive decisions relating to my XXXX difficulties. They often complicate my attempts to plan properly for the future or make responsible decisions, although I am improving with the assistance of XXXX and XXXX I was told I would pay {$43.00} a month for 12 months on one account and {$23.00} a month for 12 months on one account. My goal was to repair my credit report from aforementioned mistakes. First of all, there was no indication on the website that the account was in Collections, which meant paying it would do nothing for my credit report. An operator told me their term for " Collections '' is " Customer Support. '' I asked her if she was also " Customer Support '' and she said yes, but she is not Collections. This is extremely confusing for Customers, in my opinion. Lo and behold, when I went to check my Credit Report, there had been no improvement. In addition, two scheduled payments that were above and beyond my agreed-upon plan in the total of {$500.00} had appeared on my account as potential ACH debit transfers that I could not avoid. I live on a fixed income and, had these gone through, they would have devastated me. So I promptly called Customer Support, which as any reasonable person should be able to realize, logically means Collections. The lowly operator named XXXX ( I wish I had not accidentally discarded their customer ID numbers ) informed me that the amount, which was clearly marked as a scheduled payment although not accessible anywhere in the interface for cancellation, was actually an indicator of a due date rather than a scheduled payment. When I requested my payment agreement in writing, he insisted that he could not provide that information. When I asked him to speak a bit more loudly into my recording device, he changed his story, and said he did not have the authority to issue the agreement in writing but could escalate to someone who could. He was extremely rude when I requested my rights be respected under consumer law. So I was escalated to a supervisor named XXXX. She also insisted rather stridently that no payment was scheduled and that I would only be on the hook for the originally agreed upon amounts. The notification that " You have scheduled a payment for XX/XX/XXXX in the amount of {$300.00} '' did not actually mean the English words that it was written to mean and instead referred to a due date. She was so insistent I decided to believe her and assumed this was just some manipulative way of getting a payee to call in to confirm their debt. Either way, rather shady. I requested my payment plan in writing, which she assured me had already been sent, even though I never received one. I was all set to let it drop until I signed in to check my account this morning. Lo and behold, no mention of any " due date '' in the amount of {$300.00} for one account and {$200.00} for another. No mention of any " scheduled payments '' at all. This confirms my suspicion that they attempted to take advantage of a disadvantaged, vulnerable person and -- had my medications not properly been accounted for -- probably would have succeeded in doing so. On top of that, they refused to take responsibility for it and outright lied about their attempts to do so. I don't feel this will prompt any serious recompense on the behalf of our benevolent overseers, and I recognize that it is partly my responsibility for getting into this debt in the first place, but in my opinion if I seek a good faith effort to get out from under it, I should be rewarded rather than punished. In any case, after noticing the bald faced lie, I wished to tell my story so that others might benefit from it. Either pay your debts to Chase or never schedule anything for ACH debit because whatever little shady companies they have setting those up may try to pull a fast one and hope you don't protest. | ||||||
| 01/29/2019 | Yes |
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Web | Servicemember |
| On or about XXXX XXXX, 2019 I applied for a Chase XXXX XXXX credit card. I was told my application was being reviewed and waited to hear from the company. After a few days, I decided to call and check on the status of my application. I was told by the Chase representative that I needed to provided identifying documents, including proof of birthday via a government-issued ID and proof of address, via a lease. I was instructed to go to the nearest Chase bank and submitted those documents to a bank associate named XXXX. My documents were uploaded on XXXX XXXX, 2019 and XXXX instructed me to call the credit card application line the following day to make sure they received my documents. I called as instructed, and was told they had not received them. I called XXXX at Chase Bank and he then called Chase credit services and was told it would take 24 hours to have the documents in their system. I was told to call again the following day to make sure the documents were received. I called Chase credit card services on XXXX XXXX and was assured the documents were received but that a determination was still pending and to call back in 24 hours. I did so and was told my application was denied, but was not given a reason. I was confused as to why I was denied, as I have a high credit score of XXXX, long-term employment with a reasonably high income and a great payment history with little debt. I did research online and saw I could call Chase back for reconsideration, so I attempted to do so. I spoke to an agent who connected me to the fraud department and the fraud department agent said he could not disclose why my credit application was denied, but that a determination letter with that information would be sent to me at the address used on my application. I received a letter from Chase at my previous address ( not the address I used on my application, but one that is listed in my credit report ) that said my application was denied " because we couldn't confirm the information on it. We're concerned someone may be using your personal information fraudulently. '' As I had already provided verifying identification documents, I was confused by this denial letter. I called Chase 's fraud department on XXXX XXXX, 2019 and spoke to an agent who informed me that the letter I received indicating identity fraud was a " standard rejection letter '' and " not the actual reason '' I was denied. I asked why I was denied and the representative said " Chase does not give that information, not over the phone or in a letter, '' indicating I would have no way to understand why my application was actually rejected. I requested to speak to a supervisor but was told none were available. I checked the FTC site and read about the Equal Credit Opportunity Act and learned that Chase is required to inform me, within 60 days, of why I was denied. The confusion for me is that the letter they sent indicates they denied me because they couldn't confirm my identity, although I went in person to their bank and provided an XXXX XXXX military I.D . and a copy of my lease, as per their request, which would serve to verify my identification. Then, the Chase fraud rep tells me the letter " isn't the reason I was denied '' and refuses to tell me why, also indicating I will never be given that information. I can't help but feel that my application was denied due to discrimination. I am a XXXX-American man with a XXXX-sounding name. I have a strong credit history, a high credit score, very little debt ( only a student loan ) to my name and a long history of making on-time payments. In addition, I've been in the United States XXXX XXXX for 22 years and earn a low six-figure income. By all accounts, I am an excellent candidate for a credit card, but can not get a straight answer as to why I was denied by Chase. I would appreciate your help investigating the matter to see if, in fact, Chase is not abiding by the FTC and CFPB 's guidelines for credit card practices. I sincerely appreciate your time and effort. | ||||||
| 10/29/2023 | Yes |
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| Complaint Date : XX/XX/2023 Subject : JPMorgan Chase Bank XXXX XXXX ( hereinafter, " Chase '' ) Re : Received Promotional Offer for Pre-Approved Credit Card After First Credit Card Application was Denied. I. XX/XX/2023 : XXXXXXXX XXXX XXXX XXXX I am a Chase checking account holder. On XX/XX/2023, I applied for a Chase Freedom credit card through my online account. I submitted the application with information regarding my income, XXXX ID, and employment status. Chase did not immediately provide a decision. Instead, Chase performed a hard inquiry into my creditworthiness, and on XX/XX/2023, I received an electronic letter in my Chase online account that my application was denied. Although my XXXX XXXX was XXXX and my payment history was exceptional, the reasons given for the denial were : " high debt relative to income, '' " credit card balances are high compared to the age of the accounts, '' " insufficient revolving account information, '' and " total available credit on credit cards is too low. '' XXXX. XX/XX/2023 : Promotional Offer and Second Credit Card Application Just XXXX months after my credit card application was denied, I received a promotional offer from Chase on XX/XX/2023, through a message on my online checking account, that I was pre-approved for a Chase Freedom XXXX credit card. Because this was the first time that I received a pre-approved offer this year, I was lead to believe that I was more likely to qualify for a Chase credit card due to improvements in my financial circumstances. Since my first credit card application in XX/XX/2023, I have a full-time job with a salary that is higher than the median household income in my state of residence. My payment history was also exceptional, but my first student loan repayment was on the horizon. I accepted Chase 's promotional offer, and I applied for the credit card with information regarding my updated gross income and employment status. Again, Chase did not immediately render a decision but immediately conducted a hard inquiry into my creditworthiness. On XX/XX/2023, I received an electronic letter in my Chase online account with the same reasons for denying my credit card application as were provided in the first rejection letter. But Chase included one additional reason : " Number of requests for new credit in the past 12 months. '' XXXX. Conclusion : Request for XXXX Chase 's promotional offer for a pre-approved credit card for which I did not qualify and for which it had reason to believe that I did not qualify after the denial of my first credit card application a mere XXXX months ago, was deceptive. The offer was personalized to my account and mislead me, a Chase customer, to believe that I was creditworthy for the Chase Freedom XXXX credit card. Furthermore, the promotional offer for a pre-approved credit card induced me to submit a second credit card application only XXXX months after the denial of my first credit card application. Although Chase had access to my credit report from its first hard inquiry on XX/XX/XXXX, Chase conducted a second hard inquiry a mere XXXX months later and then provided substantially the same reasons for denying my credit card application. The denial reasons that Chase offered in the second letter strongly suggest that Chase had reason to know that I did not qualify for the credit card for which I received a promotional pre-approval offer. As a result of Chase 's deceptive, personalized marketing of the Chase Freedom XXXX credit card, Chase 's offer induced me to apply for a second credit card and a second hard inquiry on my account within XXXX months of the first inquiry has adversely affected my credit score ( e.g., between the first inquiry and the second inquiry, my credit score dropped by XXXX points ). Because my second application for a credit card was based on Chase 's deceptive promotional offer a mere XXXX months after denying my first credit card application, I am requesting that the second hard inquiry be removed from my credit report. | ||||||
| 02/06/2022 | Yes |
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| I have been trying to unlock my account for over a month now. I traveled to my boyfriend who lives in a different state for new years and I've been stuck here for a month because chase is making it so difficult for me to unlock my account. On XX/XX/XXXX, before I left to see my boyfriend, I went to my local chase bank to get my account unlocked. I sat down and talked with a lady there and she sent an email to someone with the details I told her about my transactions and what happened. She told me they should get back to her by tomorrow and unlock my account. She called me XX/XX/XXXX and told me they unlocked my account but to check to make sure. By this time I was in a differet state about to board my second flight. In that moment I didn't have the chase app installed to check and I didn't want to keep her waiting so I told her I was able to sign in ( I was assuming it actually was unlocked ) but when I checked later it was still locked. I'm not sure if they did unlock it but was locked again due to me signing in while I was in a different state. I sent {$300.00} using XXXX to my boyfriend and then my account was locked for " supicious activity '', but the payment still went through. I'm sure chase locked my account due to sending so many XXXX payments to him so soon. I have tried calling the customer support line several, several times but it was useless to be frank. The first time I got to a real person ( after being on hold for hours ), I told the man my situation and then told him my information. He then said to give him a moment to pull up my account. I said okay. It was silent for a long time until he put me on hold without saying anything. I was on hold for another hour before I hung up. The second time I called I got a bit further than last time. The lady I was on the phone with told me she was going to ask me a few questions to verify my identity so I thought to myself, okay, no problem, I should be able to get my account unlocked this time. She then asked me something along the lines of, " Which of the following counties have you lived/owned property at. '' She then listed 3 options, 2 of which I didn't recognize, except for the second option which was the county I have lived in for the past 3 and a half years. So of course, that's the option I told her. But then she said, " I'm sorry ma 'm but due to the answer you gave me I can not confirm your identity at the moment. '' I have no clue how I could have gotten that question wrong. I thought that maybe it's because I don't own the property, but it wouldn't make sense because I do live there and I have for years, so there is just no way that wasn't the right answer. I don't know what happend. Maybe they just didn't want to deal with my issue or they got my information wrong. So after that, I went to the chase bank in my boyfriend 's town to finally get my account unlocked. The process there was pretty easy, I told them what happened, they verified my identity and typed up some info to email to someone to get my account unlocked. They told me it would be unlocked within the next half hour. An hour passes and my account is still locked. But instead of the usual " your account has been locked for suspicious activity message '', it told me to reset my password. So I did, entered my ssn and card number, went to the next step, and then the same suspicious activity message as before popped up. I'm guessing it's becauss I'm still trying to sign into my account from a different state ... the same account that has the money to get me home so I can actually sign into my account without that message popping up. Just now I tried to sign in again but through the app thinking it would be different. It said my account had been suspended. I am immensely frustrated. I'm being treated unfairly and I am not being heard. I have an appointment on the 14th for my braces I can't miss and I owe someone money by monday. So I don't know what I'm going to do. I need my account back. Thank you for reading. | ||||||
| 12/27/2020 | Yes |
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Web | Older American |
| Letter sent to Case detailing problem on BA Visa card ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account Inquiry ATTACHMENTSIZE:0 In a letter from from Chase 's XXXX department dated XXXX XXXX 2020, I was informed that the following unauthorized charges ( along with others ) were being add to my account : XX/XX/2020 XXXX XXXX XXXX XXXX You received benefit from this transaction. XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXXXXX You received benefit from this transaction. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX You received benefit from this transaction. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX You received benefit from this transaction. This document was insulting to say the least. How does some receive benefit from charges he did not made and at locations he has never visited? PLEASE EXPLAIN. By no stretch of ingenuity, can such an explanation be given. The assertion is not only insulting, it is lunacy. Also, I am requesting copies of receipts / bill of sales / registration documents from establishment where bogus charges were made. In the case of XXXX XXXX and XXXX XXXXXXXX XXXX, these establishments must have such records on file, indeed the XXXX of the former -- XXXX XXXX, XXXX -- told me in a telephone conversation this past Tuesday or Wednesday that all relative documentation had been seen to Chase 's XXXX department. She further said that the person making the charges used a card with his name on it but apparently with my account information embedded. She called it a 'cloned ' card. The other hotel must have similar records. When I called the XXXX to inquire, he said did not have time to look up the records and never called me back. Over the years I have stayed at a number of hotels -- as I am sure you have. When a guest registers, he is asked to fill out a card with his name, address and telephone number. Often the desk clerk wants an automobile 's licence plate, along with a credit card. So, there is no reason why this information is not available. As far as the bogus charge at the tire company, the one at the counter puts the buyer 's name, address, and other information on the bill of sale. I would like have a copy of that documents. The same is true with rental / storage units. I have never rented one, but I suppose the owner or XXXX gets some information on the person renting the unit. I should like a copy of that document as well. The bottom line is that none of those charges ( along with a host small transactions at fast food joints, XXXX, a dry cleaners ' ) could possibly have benefited. me, as alleged in the XXXX XXXX letter. If so, I want an explanation in writing. If not, which of course is the case, I want a written apology as well as those charges being removed from my account, and I should like it done within three business day. As I have stated in previous letter, I have been told a multitude of things -- often conflicting -- by your agents over the telephone. Two said the charges I have just referenced were still marked as 'fraud ' and would not be added to my account ( this was after the XXXX XXXX communique was received ), one went so far as to apologize for the assertion 'you have received benefit '. Another, told me to subtract unauthorized charges and pay what I actually owed ( which I did ). The last person with whom I spoke said the previous person gave me bad information. I needed to pay for fraudulent charges as well. She also advised me to contact XXXX XXXX and request registration documents and to sent them to Chase 's fraud department. When I contacted the XXXX, she said those documents had already been sent to Chase 's fraud department. She further directed me send documentations showing where I were when fraudulent charges were made, which I done over a month earlier, and gave me an email address. Documentation has been sent but not acknowledged. WHAT I AM SEEKING : ( 1 ) All unauthorized charges be removed from my account, and written conformation that these bogus charge will not be added back to my account. | ||||||
| 07/22/2021 | Yes |
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| On XX/XX/XXXX, I discovered that XXXX applied a {$140.00} payment to my Mobile phone Account and it was supposed to be applied to my Cable/Internet account. I contacted XXXX and requested that the {$140.00} be applied to the correct account, which is the Cable/Internet account. XXXX informed me that they could not issue a refund and that I needed to contact my bank to get a refund. I contacted the CHASE claims department at my bank and explained what happened. The first person I spoke to stated that he could not issue me a provisional credit because this was a billing issue. I explained to him that XXXX overcharged me by applying the {$140.00} to an account that was already paid. I then asked to speak to a supervisor in Claims to get more assistance. The supervisor and his name was XXXX, who came on the line, told me the same thing and also added that CHASE does not get involved with billing issues with another company. I told him that I even had proof that XXXX applied {$140.00} to my Mobile account that was not behind and I offered to show him an email that XXXX sent stating that I now have a credit of {$140.00} on my Mobile account. He stated that he was not going to do a Provisional Credit. Since I wasn't getting any assistance from XXXX, I asked him if I could speak to his supervisor. He said he didn't have one. I asked him to give me the phone number and address of the Consumer Complaints department and he stated that CHASE does not have one. I then told him that I didn't want to speak to him anymore and for him to disconnect the call. He told me that he wasn't going to disconnect the call. I told him that everyone has a supervisor and I also told him that I would contact the CEO of CHASE if I had to in order to complain about the service that I was receiving from him. XXXX would not release the call and I wanted to call CHASE back and speak to someone else. I thought I clicked XXXX off my phone, but when I got another CHASE agent on the Line, XXXX was still on the Line and he was talking over me. I explained to the New agent with CHASE what happened and his name was XXXX, also a Supervisor in Customer Service at Chase. XXXX assured me that he was getting someone from Claims to process my Claim for the Provisional Credit of {$140.00} and that it would take 12-24 hours to show up. At that point, XXXX hung up. All of that happened on XX/XX/XXXX. Then on XX/XX/XXXX, I checked my account to see if the Provisional Credit was there yet, it was not. Later on that evening at around XXXX XXXX, I was at XXXX picking up my prescriptions. I wanted to pay with my CHASE debit card. The attendant at XXXX informed me that my card was declined. I gave her a second CHASE debit card and it was ALSO DECLINED. I had over {$900.00} in both accounts combined so it was not because I could not pay for the {$24.00} purchase. It was because CHASE had closed ALL three of my Debit cards WITHOUT my permission. I went home and attempted to call the CLAIMS department because Customer Service stated that I needed to speak to someone in the Claims Department. I was on hold for 2 hours and 26 minutes waiting for the CLAIMS department and they never came on. So today, XX/XX/XXXX, I did notice on my account that I was granted the Provisional Credit of {$140.00}. Therefore, I called the CHASE Customer Service Department again and they informed me that I needed to speak to someone in the CHASE Claims department to get the issue resolved about my debit cards being closed. I eventually got a Supervisor on the Phone and she informed me that not only were my three debit card accounts closed, but that my ENTIRE CHECKING account was going to be closed in 10 days. I asked her why and she stated that she did not have to give me a reason because in the Disclosures that were given to me in XXXX stated that CHASE can close my account whenever they wanted to and did not have to give me a reason. She also stated that she would be mailing me a check with the funds that are in my account in 10 days. | ||||||
| 03/06/2019 | Yes |
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| My complaint has started off as the Credit Card Company not accepting my dispute despite my evidence to what now sounds like chase Credit Card accepting Fraud from the Merchant based on false service dates and/or a false signature with my name. Chase Credit Card has refused to refund me money from a vendor with whom I filed a dispute. Apparently, the vendor forged my signature and chase doesn't care when I told them while on the phone with them. The evidence from the hotel was explained to me over the phone with Chase Card Services I made a hotel reservation through XXXX on XX/XX/XXXX for a trip on XX/XX/XXXX through XX/XX/XXXX. XXXX said it was free cancellations and I was provided with the option to not be charged until my hotel stay, which I chose to do ( XXXX attached ). On XX/XX/XXXX, I needed to cancel the reservation. XXXX said due to late notice, I would be charged for 1-night stay since it was 24 hours away. I agreed and canceled the reservation. Over the next 48 hours, I looked for the one night stay as a charge on my CC and it did not show up. When I checked my entire XXXX statement a few days later, there was a charge of XXXX dollars on XX/XX/XXXX by the hotel. A charge that was not supposed to occur based on my selection criteria of NOT being charged up front. I called the hotel and they refused to refund me the money. I offered to pay the single night. They refused. I filed a dispute with Chase and sent them screenshots of the itinerary, and the one night stay cancellation charge along with the option to pay later during my stay instead of up front. Chase has the cancellation rules and the itinerary in the form of screenshots taken directly from XXXX 's website. I just received information today XX/XX/XXXX from Chase that they are denying me the refund. I spoke to two different customer service reps who both gave me different info. The first one said they were denying the claim because the vendor shows I stayed at the hotel starting on XX/XX/XXXX not XX/XX/XXXX and that my dispute was after my stay. This is a complete LIE by the vendor and I showed screenshots of my itinerary through XXXX which Chase must not have reviewed. The reservations dates are very clear. The charge was made on XX/XX/XXXX, it's my check-in date. The Hotel is making it look like I'm disputing the charge after I stayed there. It clearly showed my stay was to be XX/XX/XXXX to XX/XX/XXXX. How do you miss something like this? Not satisfied with this response because it made no sense to believe this information when I provided the itinerary information, I called a second-time on the same day about 30 minutes later. The second rep, a " manager '' said they were denying the claim because the hotel has a signed document showing I stayed at the hotel and I agreed to the charge. This is another lie because I was never there in XXXX XXXX, nor did I sign any document, online or on paper. If Chase has a signed document provided by the vendor, then its a forgery. My signature could be compared to other CC purchase signatures. They clearly didn't care to do that! I told them this is a forgery and they simply didn't care. I can not believe this company had such a lack of investigative skills. I was never in XXXX XXXX. In fact, I use my CC for everything and there aren't even any charges in XXXX XXXX which could be proof I was there. I seriously doubt with the money and resources they have they can't see the truth in this. This is just a lack of care on their part to go through the hassle of making a business angry and fearing their anger rather than a card caring customer. They sided with the vendor over false information and that was that. As long as the vendor reply disputes with any garbage info, XXXX the customer. Chase Credit Card is a horrible business that provides little customer protections and it was XXXX XXXX XXXX that is providing the false info. The hotel in question who is being Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX | ||||||
| 09/21/2022 | Yes |
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| Chase Bank XXXX On XXXX XXXX, I booked a hotel room for XXXX nights at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX ( for the amount of {$170.00} ). Upon arriving to the hotel, I noticed that the exterior as well as the lobby area, looked completely different from the pictures that were posted. Being that it was almost XXXX, and I had my toddler with me. I proceeded to check in. Upon checking into the hotel room, I noticed that it was absolutely filthy. Stains and crumbs on the floors, the tissue in the bathroom was a half used roll, with stains on it. There were poorly patched holes in the wall, and overall it was just XXXX of the filthiest hotel rooms that Ive ever been in. We stayed in the room for about XXXX minutes. I then went to tuck my daughter in and pulled back the sheets only to find a huge red stain underneath them. This was the absolute last straw. I got myself and my daughter redressed and proceeded to the front desk to either check out or be switched to a room that had actually been cleaned and prepared for guest arrival. When I arrived at the front desk, I waited about XXXX minutes for the manager to ultimately tell me that there were no more rooms available for the night, he said that my only option would be to check out and that he would issue me a refund. He suggested that I give XXXX a call the next morning, and explain the situation to them, seeing as though they were who I booked with. The next morning, I did just that. Upon calling XXXX, they proceeded to call the hotel on the other line, and according to them, the hotel was unwilling to authorize a refund. I was baffled. I reached out to XXXX Hotels Corporate office the next day via email, attaching pictures and describing my visit in detail, and I told them that a refund should be very least theyre willing to do, being as though I didnt even spend XXXX night in the room that I booked for XXXX nights due to poor sanitation. A couple of days went by, and their corporate team emailed me stating that On their end, its showing that a refund has been processed. At this time, I was pressed for cash, so I had already disputed the transaction with my bank and received a temporary credit. Being that I went through all of this, I had no idea that my bank would end up denying the dispute. About a month and a half later, they did just that. The temporary credit was removed and I was left with a negative balance in my account, which caused me to accumulate over {$300.00} in overdraft fees from XXXX to XXXX. I reopened the dispute, providing my bank with pictures of the hotel room, as well as an email that I shared with the corporate office, however my bank ( Chase ) refused to give me my money back, and so did XXXX. I called the hotel and they informed me that they couldnt authorize the refund since i booked via XXXX. XXXX told me that they couldnt authorize a refund without the hotels approval. I got the run around for almost XXXX weeks about this issue, and ultimately I never saw my money againSo, essentially I was cheated out of {$170.00}. Not to mention the financial hardship that I faced after they removed the temporary credit and my account went into a negative balance. I have reached out to almost everyone I can think of about this ( XXXX, Pricelines escalation team, Chase, Chase Dispute Department ). And Im really starting to feel taken advantage of. There is no way possible that it can be right, let alone legal, for a company to refuse to give you a refund when their services or products are no where near the standard of which you were led to believe they were. Im truly hoping that something can be done about this, and that this issue can be resolved. Im not okay with my money just being gone like this. Im attaching pictures below of my hotel room versus the room that was pictured when I booked. I have booked numerous hotels in my life and never have I seen such complete and blatant deception like I did with this hotel. I will also attach photos of the email correspondence. | ||||||
| 09/22/2023 | Yes |
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| On XX/XX/XXXX around XXXX am XXXX I noticed my Chase checking account had been hit with fraud and I had gone negative in my account. After looking into it, I saw about XXXX transactions in the amount of XXXX that had been taken out of my account that I did not make. I called chase immediately and spoke to a customer service rep and reported these transactions as fraud as I had not made them myself nor authorized them. The man I spoke with told me he could not do anything about the transactions yet and had to wait until Monday the XXXX of XXXX, as they had not posted yet. He said he could cancel my card and send me a new one, but call back once the transactions post then they are able to help. I didnt know standard procedure, so I thought this was the right thing to do, which I was wrong about. The very next day, I check my account again to find out I have more fraud happening even though my card got cancelled and I was sent a new one in the mail, which I had not even received at this point. About XXXX more transactions of XXXX posted from a similar vendor that I dont recognize, and I wondered how when my card was just cancelled. I spoke to another customer service rep on XX/XX/XXXX and reported more fraud on my account, and told them I just reported fraud the day prior for transactions made in the same amount. The lady I was speaking to asked if the first rep I spoke to the first time it happened had removed my card from any digital wallets and I said no the guy did not do anything of that sort, and I also mentioned he made me wait until the transactions posted to do anything and call someone. As soon as I said this, the rep I was speaking with in that moment told me she apologized for the first reps mistake but he gave you some wrong information and did not handle the situation properly as he shouldve. Hearing this was quite a surprise because I thought he wouldve known what to do and take care of me as a customer. Another surprising bit of info was that all of those transactions that happened the first day I had gotten fraud on my card, those couldve been reversed immediately before they ever posted to my account and I would not have had to file a claim in the first place for fraud and to get all my money back to my account. So 2 weeks later, today XX/XX/XXXX, after reporting all of this fraud to Chase and their claims department, I get a notice in the mail saying I am being charged for those transactions as they were deemed authorized, which I can assure were not. This is upsetting because I reported the fraud immediately and have never done business with this vendor before nor do I recognize it. I called Chase back to speak with the claims department and they told me the reason they denied my claim is because it was done using my Face ID on an XXXX, which they couldnt tell if it was my XXXX or not so how do they know Im the one who authorized it? I spoke to about 10 different people calling back 5 different times, and every associate gave me the same answer saying I need documentation to prove it wasnt me who authorized it. When I asked each of them which documentation do I need to provide to them they all stayed silent for quite some time and could not give me an answer. A couple of them directed me to a branch location, and when I went into a branch, they said they could not help and had me call back the claims department from a phone there in the branch. So I call them back from a branch telephone, and to no surprise I get the same answer, they couldnt tell me what documentation to provide them since the fraud was committed digitally and I have no way to show it wasnt me. I just dont understand how Chase can say I authorized the transactions when I clearly reported it as fraud both times immediately after they happened, and want to say that I have to pay for the transactions because it was authorized with a Face ID. Im a Chase customer of 10+ years, and this specific situation makes me no longer want to be apart of Chase bank as a customer. | ||||||
| 09/03/2022 | Yes |
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| On XX/XX/XXXX, I opened a Chase checking account and XXXX savings accounts after relocating to North Carolina for a new job. I have been an existing Chase customer ( credit card ) for XXXX years. On XX/XX/XXXX, I deposited my first paycheck ( {$3300.00} ) from the University of North Carolina using Chases mobile deposit. Chase sent a notification that check ( s ) may not be paid because of information we have received from the paying bank or due to information we have within our files however, the check cleared on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that Chase was blocking my accounts and scheduling them to close soon - see attached document. On XX/XX/XXXX, I called Chase and asked for more information. The customer service representative said the check had been marked as suspicious and likely to be returned and I needed to wait for the check to either be verified, or for my account to close on XX/XX/XXXX. In the meantime, my account access had been restricted. Later that day, I went to my local Chase branch ( XXXX ), where I was asked repeatedly what is the check for? and why is the university issuing you a check? even though I had my paystub, which proved I was a salaried employee ( creative writing professor ) at the university. The branch banker, manager ( XXXX XXXX XXXX, and I were on the phone for XXXX hours with the corporate office, who said they could not verify my employment, despite multiple forms of IDs, my pay stub, offer letter, and contact information for universitys payroll managers, who also called Chase ( the local branch and corporate ) to advocate for me. XXXX tried to override the restrictions ; the corporate team rejected this. The corporate team insisted they could only verify my employment by using the phone number in their system, which leads to the universitys hospital system ; I work for the XXXXXXXX XXXX. When Chase finally reached the correct HR department, the universitys new policy kicked in they do not verify employment with third party vendors ; they use an online verification system. Chase will not accept an online verification system, so Chase could not verify the check and release the funds. XXXX XXXX advised me to have the university withdraw the check, because he was not confident that Chase could verify the funds before my account closed ( XX/XX/XXXX - XXXX business days ). This would also incur a {$12.00} fee. He warned me that if the university did not withdraw the funds before Chase closed my account, the funds would remain in Chases possession until they were able to verify it ( which seemed unlikely ) and then Chase would write a new check to me. However, because the check had cleared, the university could not recall the check. Neither could the XXXX Treasury, which issued the check. Chase was holding my paycheck XXXX. On XX/XX/XXXX, I called Chase again to initiate another verification request. Again, I was asked why is the university issuing you a check. After XXXX hours, someone at Chase was finally able to confirm my employment status through the NC XXXX Treasury Department, the funds were released and my account was unrestricted. It should not take XXXX days, XXXX phone calls, XXXX branch visit, and XXXX hours speaking with customer service to perform a basic checking account function. Furthermore, the check is my monthly salary - I need it to pay my rent and buy food ; withholding it could easily have created a financial disaster. I believe I was racially profiled by Chase. There is no other explanation for why I was asked to explain over and over again why I, a XXXX woman, am receiving a XXXX from the university. Or why the university 's payroll manager and Chase 's own bank manager could not convince the corporate team that I was a legitimate employee of the university. The University of North Carolina is also filing a CFPB complaint against Chase regarding this matter, please see their complaint for additional information. Thank you for your time and consideration. | ||||||
| 04/23/2021 | Yes |
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| On XX/XX/XXXX I noticed a charge in my Chase checking account that I did not authorize. The charge hit my account on XX/XX/XXXX in the amount of {$230.00} from a company I had never heard of XXXX I called my bank immediately to open a fraud claim. I mentioned to them that I was extremely concerned because I had had fraud on a few of my other accounts very recently. They provided a provisional credit. About a month later on XX/XX/XXXX they reversed the credit and charged my account {$230.00}. At this point, I called customer service claims and spoke to an associate. She told me they had compelling evidence that the charge was mine. I asked her for the details. She mentioned that the product had been delivered to my address and that I had ordered it from my email address. Both things turned out to be untrue. She said she would mail me the information but could not email it. I hung up with her and called the merchant on that same day XX/XX/XXXX and spoke to their billing department. I spoke to XXXX and then to XXXX. They would confirm a few things but not everything over the phone since they could not identify me. They confirmed that a product was ordered for a XXXX car, which I do not own. They confirmed that the order was not delivered to my address. They confirmed that the account was established online by an email address that was not mine and with a customer name that is not mine. The only thing that matched in this transaction was my name as the cardholder, my address as the billing address, and unfortunately the card info including they say the CVV code and the expiration date. I then called Chase back with this new information and asked for a supervisor. I spoke to XXXX at Chase and told him that I wanted to appeal the decision. I explained to him that I had called the merchant and confirmed some of the details that support my claim. He said I could not appeal. He said they were mailing me the information and I had to wait for that. I explained to him again that I did not order anything from this company and asked him if they review the account history and customer history when deciding these claims. He said Chase is the go between and VISA does the research. He also said " I am not saying you would do this but some people order things and have them shipped to a friend then file a fraud claim '' I again explained to him that I had never heard of this company. That my card was in my possession and I do not know anything about it. He said there was nothing I could do and that I would have to contact the merchant for my money back. I waited two days to call back XXXX I wanted to give the charge time to credit back to them. When I first spoke to them they hadnt been paid. I spoke to their billing department again. I explained to XXXX that my bank had denied the claim and they said I need to go through them to get my money back. I could not see what motivation the merchant would have to help me but was willing to give it a shot. XXXX said I would have to leave his supervisor a message. Her name was XXXX, he transferred me to her voicemail where I left a detailed message about a week ago and to date have not heard back from anyone there. At this point I dont know where to turn. I received in the mail yesterday XX/XX/XXXX the investigation results which show the following : Transaction date : XXXX Bill to : XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX, CA XXXX email : XXXX phone XXXX Ship to : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX name on established merchant account : XXXX XXXX XXXX XXXX you can see the only information above that matches mine is the Bill to name and address. It was delivered via XXXX XXXX no signature required. It was delivered on XX/XX/XXXX. Which means had my bank contacted the merchant as soon as I notified them the shipment could have been stopped. Which also goes against XXXX theory of shipping to friend. Why would I file a fraud claim when the merchandise had not even been delivered if I was trying to be dishonest? | ||||||
| 07/13/2018 | Yes |
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| In XXXX of XXXX Chase Bank decided without my permission to advance by phone a {$2000.00} complaint I had lodged with a debit card transaction that I stated was not a completed business action of a company. I asked Chase Bank only to stop any payments and to request they intervene on behalf by asking the company to return the {$2000.00} to me. Instead a {$2000.00} advance was put into the account in XXXX XXXX of XXXX. In XXXX I asked Chase to abide by its fiduciary duty to obtain my fee. Instead they reversed the charge to me and making me liable. I further asked for all written information that satisfied them to make this judgement. An argument occurred with Chase bank branch members to show the infoy, which they did it. They stated they would send that information as I was placed on phone with their upper management saying the same thing. Weeks passed and I wanted to close my account. I went to the XXXX, Georgia branch and a Mr.XXXX would not open a new account nor CV list the old account unlessI paid off the {$2000.00} liability. I agreed and he assured an sputum attic withdrawal of $ 50 monthly from the new account would suffice. But, ob XX/XX/XXXX after consulting my military insurance in opening an account was told that Chase bank had placed derogatory comments about my to credit agencies and to a company called XXXX XXXX. Based on thes comments that I was not eligible to open a new account at their financial institution, but more importantlyI was told by Chase bank employeesafter a call that NO automaticwithdrawls of {$50.00} were ever continued. I was shocked my bank again left me out in the cold.. Then I attempted to wire transfer 7 different times funds to financial institutions internationally and was denied all but one time. Each time I was given no reason as to why. I have been solicited by the XXXX XXXX branch on 2 occasions to have lunch with the investment XXXX XXXX and another time with Brsnch manager XXXX. They wanted me to invest XXXX $ XXXX in their trades. I declined by showing them where their fixed rate stocks were not of great worth and were dog XXXX on paper with no real value. Weeks later, XXXX, the manager called me on my phon ed stating that I M misusing how I spend funds from my accounts and stated he was going to change, limit and curb my usage. No formal letter was given about this matter. I might add XXXX forcibly changed my regular account becoming a private client without any choice, saying I would have to accept the gonditions in XXXX this year. I felt, I had to agree to the heavy handed force or be left pit snd penalized by their poor misrepresentation and lack of fiduciary duty. I felt Chase Banks used its employee to solicit unwanted accounts, heavy handed veiled threatening tactics and leaves customers out with care or concerns to the customer. XXXX 's heavy handed tactic to change my firm of accounts occured coincidentally as I deposited over {$200000.00} in my regular account status. This change messed up my payment schedules adI had to let all creditors know the new cards on accounts. By XXXX Bank denying me to wire transfer funds, U have loss over {$100000.00} in business as zi publish internationally with a new publisher in XXXX, XXXX. Chade Bsnk has looked down even taken an accusatory tone in my doing international business requiring wire transfer, even though they have not shown any policy denying me to do that in fact I am allowed to do it. I asked and attempted to delete the connection Chase Bsnk placed on my online ed Banking with XXXX XXXX, yet it persists even though left XXXX XXXX. Please look into these matters as I feel these unscrupulous tactics are unprifession as k and return as luatiey and they are using these tactics to force clients to do business by opening multiple accounts, invest in their traders on stocks and limit yiur ability to leave them to go to another bsnk. Thank you, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, Georgia XXXX XXXX> Email : XXXX XXXX | ||||||
| 01/05/2018 | Yes |
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| I have accrued XXXX charges relating to insufficient funds and extended overdraft fees on my Chase Bank XXXX XXXX Account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of the charges that resulted in my account being overdrawn were automatic debit transactions - recurring charges by subscription-based companies ( in this case, XXXX, XXXX, and XXXX ) who do not provide an alternative payment method ( such as manually pre-paying or post-paying a bill each month ). They only offer automatic payment in order to use the services - services which are required for my employment. I have called Chase about this in the past, and again today. I have requested that my account not approve any transactions that will overdraw my account - I would prefer to lose access to my subscription services due to non-payment, rather than have my subscription services continue uninterrupted at the cost of a {$34.00} insufficient funds fee for each overdrawn transaction. They told me today this is not an option. They informed me that I was told in their " disclosure agreement '' when I signed up for the account ( in XXXX ) that opting out of overdraft protection does not opt-out of protection for automatic debit transactions and recurring charges. The Chase agent informed me there is no option to opt out of protection for these transactions. The agent told me that this is to protect the customer, and to honor the arrangements the customer has made with the various merchants with whom they have recurring payment commitments. I suggested it should be within my authority to make that decision, and that denying me that right was a misuse of my funds, regardless of a " disclosure agreement ''. The agent suggested that the bank " may '' authorize these transactions in the best interest of the customer, but in my case they have made these authorizations when it is clearly in their best interest, and against my explicit wishes. - XXXX XXXX, XXXX : My account balance is {$15.00}. Chase first approves one transaction for {$54.00} ( XXXX ), overdrawing my account to - {$39.00}. Then approves a second transaction for {$9.00} ( XXXX ), and a third transaction for {$3.00} ( XXXX ). I am then charged one " insufficient funds fee '' for {$34.00} for the XXXX transaction and the XXXX transaction, taking my account to - {$120.00}. I restore the account to a positive balance within 24 hours, but am not refunded the fee charges. - XXXX XXXX, XXXX : My account balance is {$37.00}. Chase approves a transaction for {$54.00} ( XXXX ), overdrawing my account to - {$17.00}, then charges a {$34.00} " insufficient funds fee '', overdrawing to - {$51.00} - XXXX XXXX, XXXX : Chase charges an " extended overdraft fee '' of {$15.00}, dropping balance to - {$66.00} - XXXX XXXX, XXXX : I restore account to positive balance. - XXXX XXXX, XXXX : My account balance is {$34.00}. Chase approves a transaction for {$54.00} ( XXXX ), overdrawing my account to - {$19.00}, then charges a {$34.00} " insufficient funds fee '', overdrawing to - {$53.00}. - XXXX XXXX, XXXX : I restore account to positive balance. - XXXX XXXX, XXXX : My account balance is {$2.00}. Chase approves a transaction for {$9.00} ( XXXX ), overdrawing my account to - {$19.00}, then charges a {$34.00} " insufficient funds fee '', overdrawing to - {$53.00}. - XXXX XXXX, XXXX : My account balance remains at - {$53.00}. Chase approves a transaction for {$54.00} ( XXXX ), overdrawing my account to - {$95.00}, then charges a {$34.00} " insufficient funds fee '', overdrawing to - {$120.00}. - XXXX XXXX, XXXX : Chase charges an " extended overdraft fee '' of {$15.00}, dropping balance to - {$140.00}. - XXXX XXXX, XXXX : I restore account to positive balance. In this period, total fees related to account overdrafting : {$230.00}. In this period, total charges for which funds were not available but were nevertheless approved against my will : {$150.00} In this period, total unavailable funds used against my will : {$380.00} | ||||||
| 11/17/2023 | Yes |
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| please see below complain open with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2023 unfortunately I just received the news from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that the federal so because of that I'm opening a new complaint with CFPB Hi All, Good morning I'm reaching out to the CEO of the most recognized bank in the United States copying on this email are the New York State Regulators of banking, on or about XX/XX/XXXX all of my Chase bank accounts and credit cards was restricted without knowing anything without being informed by XXXX not by mail not by email not by phone call on XX/XX/XXXX I realized my accounts are frozen I tried to use one of my accounts for a transaction and I was unable I called the customer service of chase after verifying my information they told me that my accounts are restricted and closed reason that customer is deceased what I am alive and well and the customer service representative told me I have to go into a Chase Bank to identify that I'm alive this is unbelievable how Chase has the power to degrade a person restricting somebody's account without verifying if the person is actually deceased meanwhile when my account was restricted and closed one of my mortgage payments to XXXXXXXX XXXX was not honored because of the results was that I was late on my mortgage payment and XXXX XXXX reported on my credit report as a late payment since that day I am unable to obtain any mortgages or any credit from any creditor in the United States resulting in significant damages on me on my business and everything around after seeing that I am basically not able to obtain any credit from any creditor in the United States I called up XXXX XXXX asking if they can please remove the late fee because it is not my fault why it was late the answer from XXXX XXXX XXXX was you were late and if you have any issue bring it up to Chase Bank who didn't honor the payment so without any other choice I went down to the chase branch in XXXX, NY spoke with the branch manager explained in the situation and he told me that he is going to opened up a case with the XXXX branch of Chase and someone will reach out to me till this day no one of that case reached out to me so I went down on XX/XX/2023 to the same Branch again and ask the same branch XXXX what happened with my case the answer was they closed it without a reason why they closed it he told me he's going to open a new case he called on the phone someone and he opened a new case he finally hand me a yellow sticky note with a case number XXXX add a phone number of an XXXX branch with an extension XXXX XXXX XXXX and told me someone from the executive office with the name XXXX will contact me waiting a few days and no one calls me after my business is on a freeze because my credit is basically ruined I picked up the phone and called up the phone number with the extension and a representative with the name XXXX picked up the phone I explained her the case we discuss the case in detail and she told me that she's going to get back to me latest by Monday XX/XX/2023 unfortunately I did not hear back from her on XX/XX/XXXX so I picked up the phone and I called her and unfortunately she had phone problems for the past 3 days Chase company doesn't have the money to provide them with phones I left her XXXX voicemails and I called back the executive number and I asked to talk to her manager or supervisor they provide me a name XXXX and XXXX representative told me that she will call me back by the end of the business day that was on Monday it is already Wednesday XX/XX/2023 I still did not receive a phone call back from her I am sending this email to the executives of XXXX XXXX Chase Bank and the state of New York XXXX XXXX Chase Bank can ruin someone's Financial life without giving any type of explanation we are in a XXXX XXXX if my voice on this email will go unanswered I will take legal action in order to recove hundreds of thousands of dollars what I had lost in the last couple of months, | ||||||
| 11/26/2022 | Yes |
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| On XX/XX/2022 Chase sent me a notice to pay by XX/XX/2022 to keep my vehicle. On XX/XX/2022 Chase locked my account and removed all my payment method and wouldnt allow me to schedule a payment therefore causing me to default. On XX/XX/2022, Chase used XXXX XXXX XXXX to repossessed my personal vehicle after numerous attempt of them not validating the debt pursuant 15 USC 1692G or stating their interest or claim in the vehicle. Pursuant to 15 USC 6802 Chase did not give me the full disclosure to opt out of my personal information being given out to non affiliates. They not responding to affidavit or billing error notices that addressed clear violations to XXXX in XXXX, found in documentary evidence/contract. They refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recession and 12 CFR 1026.3 exempt as to certain transaction. Chase did not disclose to me of my right to rescind this transaction. Making me pay to retrieve my personal items once my vehicle was repossessed when pursuant to 15 USC 1692f ( taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ) Claiming I could retrieve the vehicle after I pay the full balance. The very same repossession predatoryact CFPB found guilty of and punished for. The purchase of my XXXX XXXX XXXX was financed through Chase Bank. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the XXXX and XXXX XXXX. Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. Chase Bank was payed in Full at the time of my signature, so there should be NO LATE payments. Chase Bank never notated my account was under dispute pursuant to the FCRA. Chase Bank strategically refused to note my account under dispute. By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. This is yet another extortionate attempt at collection on their financed lines of credit. Chase Bank sent me a letter stating my monthly payments was changed after my account was booked and that they would not provide me their tax identification number. I ask Chase to produce me with the contract stating the changes and show me where I signed and agreed because I know if they change my payments something else was change that wasnt disclosed to me. The contract I hold has an XXXX XXXX, finance charge {$3400.00}, amount finance {$16000.00}, total payments {$20000.00}, monthly payments of XXXX with the terms of 72 months. The payment was changed to XXXX l They refused to show me the new contract indicating what changed and why. Thats material concealment that I should be allowed to verify. I asked Chase to show me the original promissory note so I can verify if they are the holder in due course to do any execution. Pursuant to South Carolina law 36-3-302 ( c ) Chase is not the holder in due course as they have no legal rights as holder and in due course in the instrument ( promissory note ) as it was a creditors sell. The contract that is in question states what a default means if I fail to pay whats due, break any agreement except that if I bought the vehicle primarily for personal, family, and household use we will only treat those as default if they significantly impaired the prospect of payment, performance or realization of the collateral. I contacted Chase in XXXX of XXXX and made them aware of my lost of employment and struggle to pay and that I primarily use the vehicle to transport my children to school and doctors appointments. I have been sick and XXXX and the emotional distress of dealing with Chase has damage my mental which lead me back not a mental breakdown and XXXX. Ive been extremely hurt with this situation. | ||||||
| 06/21/2022 | Yes |
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| This complaint concerns a purchase of a plane ticket with XXXX from origin location of XXXX to end destination of XXXX, and the subsequent unsuccessful dispute of this charge with Chase Bank. I spoke with a customer representative from XXXX and they told me I would get a full refund for my ticket ( {$1100.00} with {$85.00} in addons ), so I followed the representative 's advice and cancelled the ticket. I later purchased another ticket from the same origin to the same destination which I have to this day ( not cancelled ). However, when I received the refund for the first ticket, it was only a partial refund ( {$100.00} ), contrary to the information I received from the XXXX representative, so I am seeking a refund for the first ticket I cancelled based on the information given to me by the XXXX representative. I have attempted to fix the issue with XXXX to no avail. I have attempted fix the issue via a dispute with my bank to no avail. According to the US Department of Transportation : " Non-refundable tickets - Consumers who purchase non-refundable tickets are not entitled to a refund UNLESS THE AIRLINE MAKES A PROMISE TO PROVIDE A REFUND or the airline cancels a flight or makes a significant schedule change. '' Source : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds Below is a timeline of events : XXXX XX/XX/2022 : Booked XXXX flight with booking code XXXX XXXX XX/XX/2022 : Called XXXX to cancel the flight because of external circumstances with the dates of the trip. I was told by the XXXX agent on the XXXX of XXXX that I could cancel the ticket and receive a full refund. Based on his advice, I cancelled the ticket. I would not have cancelled the ticket if I was told I would not receive a full refund. XXXX XX/XX/2022 : I called XXXX twice to inquire about the status of my refund. I was informed that I was reimbursed for the fees/taxes of the ticket, but not the full ticket price. According to them, the ticket was non-refundable ( less fees/taxes ) and there was nothing else they could do. I inquired if I could classify the ticket as a re-booking for the other flight I made with booking code XXXX. I was told they could not reclassify the ticket as a re-booking because the ticket with booking code XXXX was already cancelled. XXXX XX/XX/2022 : I disputed the charge through Chases website. The reasoning I gave to the Chase dispute agent over the phone was : I was told by the XXXX agent on the XXXX of XXXX that I could cancel the ticket and receive a full refund. I did not receive a full refund, only a refund of the fees and taxes, not the price of the ticket. I would not have cancelled the ticket if I knew I would not get a full refund. The Chase dispute agent informed me that she would add these additional details to my dispute. I was told by the agent that that merchant would have 15 days to respond to the dispute, and that at that point I would be contacted about resolution of the issue or any follow-up actions. Called Chase and instructed them to update the dispute with the information that XXXX misrepresented the material fact of a full refund which induced me to act in reliance on the misrepresentation by cancelling the transaction with an expectation of a full refund. XXXX XX/XX/2022 : I received notification that Chase is closing the dispute in XXXX favor because XXXX sent over documentation indicating that this purchase was not entitled to a full refund. However, this ignores the fact that the XXXX representative fraudulently induced me to get refund in our conversation, during which they stated that I would be entitled to a full refund ( when in actuality it would be a partial refund ). I would not have sought to refund my purchase if they had not induced me to do so with fraudulent statements. After this, I submitted a complaint with the United States Department of Transportation against XXXX, which is currently pending. XXXX XX/XX/2022 : Submission of this enclosed complaint with the CFPB. | ||||||
| 04/10/2019 | Yes |
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| Regarding XXXX XXXX XXXX Loan No. : XXXX TS # : XXXX with JPMorgan Chase Bank, N.A. 1. JPMorgan " Chase '' Bank has NEVER paid any Property Taxes and/or Home Insurance on my behalf. If they did, I would have received a refund from the Country Tax Collector for double payments and/or a policy number for my home insurance. Yet, Chase has billed me on my monthly premium, some escrow accounts dating back in XX/XX/XXXX!!! before I had even purchased my house which was in XX/XX/XXXX. Also, prior to obtaining a {$130000.00} HELOC with then " Chase Manhattan Bank '' in XX/XX/XXXX. ( Please see 6-pages Escrow Shortage {$3700.00} Taxes and Insurance for XX/XX/XXXX to XX/XX/XXXX. ) which is very confusing with no explanation when I brought to their attention. 2. Chase as Servicer of the loan and/or Affiliated Owner ( XXXX ) and Insurer " Chase Payment Assurance '' of the above loan account has maliciously interfered with my right and responsibility to pay off my loan in full, and in a timely manner, as I had done it with my previous lenders ( XXXX XXXX XXXX in XX/XX/XXXX and XXXX XXXX-XXXX in XXXX ) in less than 5 years via timely refinancing and with the bank 's cooperation. 3. However, Chase with or without an escrow account, by adding the property taxes, and home insurance ( approximately a sum of {$5400.00} annually or $ XXXX monthly ) which I've been paying myself ever since I purchased the house in XX/XX/XXXX, has caused my premium payments to be " insufficient '' for what Chase has expected. Thus, causing unnecessary finance charges, interests and late fees to a never-ending loan balance, after 18 years of consistent payments with NO missing premium. I didn't know that my previous lender, was also the Chase, or Chase-affiliated Bank. ( Acct : XXXX, then XXXX and now XXXX ) 4. Even some of my payments were returned to me after couple of months while I was charged for late fees and finance charges, as though Chase wants to deliberately force my house to foreclosure. 5. JPMorgan Chase not only has ruined my excellent credit and the opportunity to refinance with other banks who were offering me from Zero APR to less than 3 % fixed on my HELOC, but also has erroneously and systematically setup my account in a DEFAULT status, and consequently leading to FORECLOSURE via their " Non-judiciary '' Foreclosure Trustee, XXXX XXXX XXXX XXXX XXXX " XXXX '', despite my numerous verbal and written requests to remove their unjust, unethical and wrongful foreclosure on my residential property, where my wife and children are residing. This senseless and hostile aggressive act on the part of Chase Bank against its royal customer need to be stopped immediately. 6. Furthermore, Chase has systematically ignored my loan modification applications since XXXX to present, and when the interest rate was relatively lower then now. Nevertheless, I have never missed any payment while the account was under dispute. And have been in full compliance with Chases Trial Loan Modification in XX/XX/XXXX. I have been paying {$820.00} in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in addition to {$2000.00}, in XX/XX/XXXX which was returned to me a month later. Not a dollar of my payments has been applied toward lowering the alleged principle. And all my complaints about the Chases mishandling and miscalculations of the Monthly Premiums have been ignored to this day while at the same tome adding more penalties to my loan account. 7. I believe I dont owe any money to JPMorgan Chase Bank. Those finance charges, late fees and penalties, which are the accumulation of the property taxes and insurance that I have been paying myself, ought to be reversed to make my HELOC account current, if not XXXX balance. Thus, this wrongful and unjust foreclosure ( TS # : XXXX with Sales Date of : XX/XX/XXXX ) by JPMorgan Chase and its Trustee, XXXX XXXX XXXX XXXX " XXXX '', ought to be stopped immediately without further delay. Thank you, XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX | ||||||
| 12/07/2018 | Yes |
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| I believe Chase bank employees are falsifying customer interactions and documentation which is resulting in thousands of dollars of fraudulent charges on credit cards. I have phone records, time stamped emails, letters, and time stamped faxes to support this claim. 3 employees have falsified information in my account which has resulted in overcharging my account {$3700.00}. I have attempted to contact Chase bank via phone, email and fax, but keep getting passed around and not a single person has been willing to discuss the issue with me. I have phone records, time stamped emails, letters, and time stamped faxes to support this claim. Employees involved : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( no last name provided ) What happened : I had disputed a charge on my credit card on XX/XX/2018 because I had received product other than what I had purchased, and the vendor was not responding to my attempts to contact them. Between XX/XX/2018 and XX/XX/2018 I reached out to Chase bank multiple times because I thought it was odd that I hadnt received any communications, not even the usual letter stating that theyre looking into. XX/XX/XXXX I finally got a hold of an employee by telephone : XXXX XXXX XXXX and explained what happened. I asked him if he wanted me to send him a sample of what I received to verify that it is not what I ordered and he said no, we dont usually have customers send product to us because we dont have a way to process it. I also explained to him that I am willing to send the product back to the merchant however I should not be paying for it. He agreed and told me NOT to send it back to the merchant. This call was recorded and Chase should be able to provide it. XX/XX/XXXX I received a letter in the mail requesting additional information and on XX/XX/XXXX. I spoke with XXXX XXXX XXXX on the phone, following up to ensure I received the letter but had no additional questions. This call was recorded and Chase should be able to provide it. **see attached document # 1** XX/XX/XXXX I sent written answers to the questions in the above referenced letter. I sent via Chase Secure Message Center and via fax. I have confirmations to validate both messages were received by Chase. **see attached document # 1 ( 4 pages ) ** XX/XX/XXXX I sent an additional message through Chase secure messages because I had received some additional information concerning the defective products. I have a confirmation from Chase that the message was received. During this time, I have received 2 phone calls and 1 letter. I have responded to both. XXXX and XXXX can verify this. They are the 2 people I had spoken with on the phone. On XX/XX/2018 I received a letter in the mail from XXXX XXXX XXXX stating that they had not been able to reach me by phone and I had not responded to their mail messages. Both are untrue, I have phone records, emails, and time stamped fax receipts to verify they were sent and received. Because of this fraudulent behavior XXXX XXXX XXXX charged my account {$3700.00}. **see attached document # 2 ( 1 page ) ** XX/XX/2018 I emailed Chase right away to find out what happened and also included the above timeline in my correspondence. XX/XX/2018 I spoke with someone named XXXX and she told me she just sent a letter in the mail, asked if I received it, but I had not. She agreed to resend the letter. I received that 2nd letter on XX/XX/2018, and sent the information they were requesting via fax ( I have receipts ). This call was recorded and Chase should be able to provide it. **see attached document # 3** XX/XX/2018 I received a letter from XXXX ( no last name given ) stating that because XXXX XXXX XXXX had told me not to send the product to Chase and NOT to send it to the merchant, they could not help me. XXXX XXXX XXXX is a Chase employee, if he makes a mistake, Chase should be responsible, not me. **See attached document # 4** These same nots are attached in PDF format because this form seems to have removed all spaces and returns. | ||||||
| 11/15/2022 | Yes |
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| I recently became a victim of wire transfer fraud. On XX/XX/22 at XXXX, I was called by the chase bank phone number XXXX and was told that there was a fraudulent wire transfer happening on my account as we speak. They asked me to verify my account information and they pointed out that the number they were calling from was the chase phone number and that I should check the back of my debit card to compare phone numbers, which I did. I verified my account info with them and the phone call kept cutting out and hanging up and calling me back from the same chase number multiple times saying that it was my phone cutting out. The chase number kept me on the line for quite a while verifying my information via text. I was told to check my account balance in XXXX minutes and that my balance should be the same as before. I waited XXXX minutes and checked my balance to find out my savings account was completely drained. I called Chase to find out that it was not actually Chase that called me about the fraudulent activity on my account. At this point I realize that the person that called me were actually the ones that committed this fraud and transferred my money to the criminals. There was {$26000.00} transferred from my savings account into my checking account then from my checking account there were XXXX fraudulent wire transfers made to XXXX XXXX and XXXX XXXX for {$10000.00} each, for a total of {$20000.00}. So there was a total of {$20000.00} stolen from me. Chase even charged me {$25.00} twice for the fraudulent wire transfer fees. I have been given the run around from Chase since this fraudulent transfer happened on XXXX. I put in the fraud claim on the same day the fraud happened, within an hour of the fraudulent wire transfer happening. The Chase XXXX XXXX department told me they would send me an affidavit that I would have to sign to continue this investigation. To this day Chase never sent me this affidavit. I ended up going into a branch on XXXX and calling the claims department from the Chase branch and asking them what exact forms to fill out to get this investigation to move forward. Then I find out Chase didn't even begin the recall on the fraudulent wire transfer till 6 days later. I reported the fraud on XXXX and they didn't even try to stop the wire transfer or recall the fraudulent wire transfer till XXXX, 6 days later which I find shocking. Chase just let the fraudulent wire transfer happen even though I filed a claim within an hour of the fraudulent wire transfer. Chase did give me the bank accounts, recipient 's name, routing number, last XXXX digits of the account these funds were fraudulently transferred to. Chase is denying that this is a fraud and they denied my claim. They just keep giving me different numbers to call which in the end turn out to be no help at all. I filed a complaint with the FBI on the ic3.gov website in which I detailed the incident. I filed a police report as well with the XXXX XXXX police department. After doing a bit of research online I think we are protected by federal law under the Electronic Funds Transfers Act when a fraud like this happens and by federal law the bank is required to reimburse us the funds that were fraudulently transferred. Please help me recover my money. I need help to give Chase bank a bit of a push on doing what is right and reimbursing my money in accordance with the EFTA federal law. I also took screenshots of the timeframe and date of the calls made to me from the chase bank phone number when the fraud happened. I also have copies of my FBI filing on this case and whatever you guys need for me to do to help me recover my money. I will attach the screenshots of the phone calls made to me by the chase phone number which shows the date and time frame of the calls. I will also attach a copy of the FBI complaint I filed on the IC3.gov website. I will also attach a copy of the business card of the XXXX that took the police report along with the police report number. Please help me. | ||||||
| 03/16/2020 | Yes |
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| On Friday, XX/XX/2020 at XXXX I visited Chase bank at XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX, withdrawing {$10000.00} for buying a ring. I went inside the bank and withdraw the money over the counter, from the teller XXXX XXXX XXXX. After verified my identity, I received a withdraw form to fill out. On the withdraw form, initially, I wrote down {$11000.00} incorrectly as the amount because I was trying to align number with the boxes on the form. Since there was another individual standing behind me and I didnt want to say the withdraw amount out loud, I wrote down {$100.00} for XXXX, {$20.00} for {$100.00} beneath the amount boxes as in I would like to receive the {$10000.00} in {$100.00} bills, {$100.00} in {$20.00} bills. The tell saw the amount to withdraw and saw my message on the form and asked if i want to withdraw {$10000.00} instead of {$11000.00} and returned the withdraw form to me. After seeing the form was filled out with the incorrect amount I crossed the amount {$11000.00} and wrote {$10000.00} instead, signed my initial above this update, returned the withdraw form back to the teller, also verbally informed her that it was a mistake. The teller took the withdraw form back and acknowledged the updated amount, performed operations on her computer re-counted the money with the counting machine. After shes done with her operations, I told her I would like to have {$10000.00} in the envelope and {$100.00} on top of the envelope and I repeated again afterward in case she couldnt hear my voice. After she handed me the envelope and cash on top of the envelope i immediately put the envelope in my inner pocket, put the {$100.00} in my wallet and went directly to the jeweler, handed him the envelope with cash. 2 days after on Sunday, I was checking my Chase checking account and saw a transaction of {$11000.00} with a scanned withdraw form attached the form only has {$11000.00} as the withdraw amount and does not have my updated amount and initial on it! It looks like my update on the withdraw form was never scanned to the system. After realizing I was debited {$900.00} more I went back to the same branch on the next day, Monday on XX/XX/2020. I spoke to a front officer about the situation and informed him what happened, the front offer went to his manager XXXX and explained my situation. XXXX was able to get ahold of my withdraw form, she showed it to me in front of the front officer and her manager that my updated request of {$10000.00} and my initial was indeed on the withdraw form. She acknowledged that for some reason the teller did not perform the work on my updated withdraw request but she will investigate on what happened and request the video footage if necessary. She denied my request of taking a picture of my withdraw form. I confirmed with the jeweler and the jeweler told me he did not receive the extra {$900.00}. I received 1 update from XXXX on XX/XX/2020 in the afternoon and was informed that she counted the money machine and the tellers cash box, no extra {$900.00} found. They have also requested the video footage. I called her again on XX/XX/2020 and followed up on the video request, she told me they have made the request but havent received the video. On the same call she also said she will call me on XX/XX/2020 if there is an update on the video request, if not her manager will call me on XX/XX/2020 to follow up. I did not receive any call from XXXX nor her manager on XX/XX/2020 or XX/XX/2020. I also did not receive any call from neither XXXX nor her manager in the following week, from XX/XX/2020 - XX/XX/2020. Today around XXXX I called XXXX and asked for an update on my case. XXXX gave me an extremely vague answer, told me they did not see a discrepancy and if I want to see the video I need to file a police report. No word or email or any written form of conclusion on the investigation was provided. I never get to speak to her manager, no apologetic word nor compensation on the tellers unprofessional work. | ||||||
| 05/25/2018 | Yes |
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| XXXX XXXX commits FRAUD as charging customers XXXX XXXX Membership Fee of {$100.00} ( {$99.00} plus tax of {$7.00} ) It has happened to my son XXXX XXXX last week, and it is happening to me yesterday, XX/XX/XXXX. I never authorized their transaction XXXX order number : XXXX, Digital Order : XX/XX/XXXX ; Order Total : {$100.00}. My son XXXX never authorized any XXXX XXXX Membership Fee 's Transaction. With their Fraudulent activities, XXXX messed up my Chaise Bank Account, for which I had overdraft charges, and all my payments to credit cards we in jeopardy to remain unpaid, over drafted. More importantly, when XXXX XXXX charges for membership, the charges at the bank accounts appear with non contact phone number. It is impossible for a customer to call XXXX back and object the charges. It is scary, since XXXX is abusing personal information such as credit cards, phone numbers, addresses, etc. stored for ever at their database, at the same time, they fail to follow the privacy act, or privacy of their customers. WHY A CREDIT CARD INFORMATION OR BANK INFORMATION IS STORED AT XXXX DATABASE WITHOUT THE AGREEMENT OF CUSTOMERS? In addition, after XXXX processes the Prime Fee fraudulently, for a two-three day, even reported, XXXX will EARN XXXX OF DOLLARS as placing the customers ' fees/money in the XXXX accounts in Banks. HOW ABOUT XXXX TO BE INVESTIGATED FOR FRADULENT ACTIVITIES as pairing with some Banks??? I mean that in my experience in the above case, XXXX paired with Chaise Bank in the following manor : 1 ) XXXX withdraws unauthorized fees from my Chase Bank Account and holds my money without any interest for a few days, before I made a complaint with Chase Bank ( XX/XX/XXXXat XXXX XXXX ). 2 ). Chase bank has charged me overdraft fees of {$35.00}, in addition to overdraft of the XXXX fees of {$100.00} 3 ) Chase bank, upon my complaint on XX/XX/XXXX at XXXX XXXX, did not notify me that Chase will close my debit card ending on XXXX. Chase just closed it for 12 hours completely my bank account, and permanently my debit card ( deceiving me through their Claim Representative it was used another debit card ). 4 ) I saw the charged on the XXXX receipt as debit card ending on XXXX, called Chase and objected that the Chase Claim Department has lied to me stating other credit card was used to be charged for the XXXX XXXX Membership Fee. Then, their Claim Customer Service Representative XXXX admitted that debit card ending on XXXX was fraudulently charged and closed. XXXX from Chase stated that {$100.00} and {$35.00} were back in to my account since the transaction was unauthorized by me at XXXX XXXX. 5 ) Thus, Chase, has hold my {$35.00} over drafted fee and even for a few hours, doing so without paying me interest from such consequently fraudulent transaction, Chase would have earned millions of , should thousands of customers would have felt in the web of XXXX XXXX Fees and Chaise overdrawn fee. 6 ) More important, there is a fraudulent relationship between XXXX XXXX and Chase Bank which allows both Company and Bank to become RICHER with arrogance abusing cusomer 's protection laws. [ SEE XXXX FRADULENT PRACTICES BELOW : Membership : XXXX ________________________________________ Next Payment : On XX/XX/XXXX, you will be charged {$110.00} for a year of XXXX. A reminder will be sent to you on XX/XX/XXXX. Turn off reminder Remind me before renewing Receive an email reminder 3 days before your renewal date Preferred Payment Method No payment method is linked to your XXXX account. Edit payment method ________________________________________ Payment History Last payment : XX/XX/XXXX View printable receipt ________________________________________ End Membership and Benefits Theres a problem with your XXXX membership payment method As a result, your XXXX membership may not continue automatically. If we can not charge your preferred payment method, we will try to charge another card on file. Please update your payment method. '' | ||||||
| 12/31/2021 | Yes |
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Web | Servicemember |
| I booked a group vacation with XXXX, The XXXX XXXX XXXX XXXX XX/XX/XXXX. I was scheduled to travel to XXXX with them on XX/XX/XXXX. All dates are in XXXX format to match my receipts and emails sent by XXXX XXXX. I paid XXXX USD from my JPMorgan Chase Bankcard ending XXXX on XX/XX/XXXX. ( Exhibit 1 ). XXXX XXXX postponed my trip on XX/XX/XXXX, due to Covid travel restrictions via email. ( Exhibit 2 ) They gave me some options including, rescheduling to a later date ; however, with travel completely shut down, I accepted a refund credit note which was due to expire on XX/XX/XXXX ( Exhibit 3 ). It was made very clear that I would have been fully refunded if I didn't use the voucher. ( Exhibit 4 -Follow-up email sent by XXXX XXXX on XX/XX/XXXX ). On XX/XX/XXXX, I was notified by XXXX that they were being placed in administration immediately. ( Exhibit 5 ). At this stage, I became aware that I would not receive the services that I paid for. Under the Fair Credit Billing Act, it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I immediately contacted Chase and attempted to open up a chargeback dispute using the Visa chargeback code : XXXX Merchandise services not received. On XX/XX/XXXX, Chase denied my request and gave me no option to appeal or provide more information. ( Exhibit 6 ). I also attempted to speak to my banker at my local branch about disputing this charge and was told there was nothing I could do. I have been informed that the reason for this is that XXXX XXXX XXXX merchant acquirer XXXX challenged my dispute with JPMorgan because I may have been told that XXXX XXXX XXXX financial failure insurance protected me on their XXXX XXXX XXXX which is incorrect. I was told this repeatedly before booking. I am told that the financial failure insurance was always in place for XXXX XXXX customers. However, from XX/XX/XXXX, XXXX XXXX ensured every customer globally, and they changed the XXXX XXXX XXXXXXXX to reflect this on XX/XX/XXXX. As I booked before this time, I am not insured or protected by any other method. When my bank flagged the challenge, they should have shown me evidence that clearly shows that I am not insured. I would have been able to submit the XXXX XXXX XXXX relevant to my booking, which indicates that the financial failure insurance was for XXXX customers only. I would have also submitted a flowchart provided by the insolvency practitioner, XXXX, which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed upon and approved by XXXX themselves. Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only. Please see Exhibit 7, the Terms and Conditions relevant to my booking. Exhibit 8 is the refund flowchart provided by XXXX, and Exhibit 9 is the email from the insolvency practitioners, XXXX showing that I am not protected by insurance. The time limit for making a claim should start from the date you were expecting to receive the service/trip, not from the purchase date, given that you are buying something to be delivered in the future. In my case, this date should be my refund credit note expiration date of XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XX/XX/XXXX ). Here are Visas rules : Visa claims that a dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ). I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government-backed Civil Aviation Authority is advising me to do the same via this letter http : XXXX I want JPMorgan to reopen my timely dispute and refund me under the Fair Credit Billing Act. | ||||||
| 07/05/2022 | Yes |
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| I recently opened an account with Chase Bank online to be able to pay my mortgage that is also held with Chase Bank. I set up a direct deposit from my employer in the amount of {$950.00} per pay period. My first direct deposit was credited on XX/XX/2022, which was not enough to cover my mortgage payment so I went online and completed an online deposit in the amount of {$1500.00} on XX/XX/2022. On XX/XX/2022 I received a letter from Chase stating that my account has been frozen and may be pending closure. I then called Chase 's fraud department on XX/XX/2022, to inquire. I was told by the rep that it was pending closure due to my online deposit. He then asked where I received the check, who wrote it to me and why. I answered all of the questions he asked he then stated that the maker of the check would need to walk in to a Chase Bank to verify the validity of the check because they believe it is fraudulent. I let him know that I was okay if they wanted to place a hold on the check until it cleared the other bank and if he could provide me with a release date and when the funds would be available. He then stated the only way to clear up the matter is to have the maker of the check walk in to a Chase Bank with 2 forms of identification to verify that he wrote the check. I asked to speak with a manager as this was an absurd request and that they were restricting collected funds from mob direct deposit due to a deposit they assume is fraudulent. He then transferred me to XXXX, a manager in their fraud department. She also stated that the only way to resolve this issue is to place a stop payment on the check or have the maker walk in to a Chase Bank. I let her know that they were violating Reg CC and needed to provide me with a funds availability date, She then stated that the check was illegible and they could not read the check # and that a stop payment would need to be placed on the check in order for them to release the restriction on my account. I then asked, if the check is illegible how can it be processed in order for it to be returned with a stop payment? I asked again, at what point would my funds be available so that I can close my account and make my mortgage payment. She then stated that the account would be closed on or about XX/XX/XXXX but never gave me a date for release of funds. I then escalated my complaint to their corporate headquarters which just circled me back to their fraud department. I then spoke with XXXX who stated that the check was illegible and a stop payment would need to be placed or the maker of the check would need to walk into a Chase branch with 2 forms of ID to verify the check has cleared. I then stated they have not allowed enough time for the check to have cleared the other bank as it was done over a holiday weekend and if the check is illegible how are they going to receive the rejection from the other bank with a stop payment. At that point I was frustrated as they could not get their story straight and I asked again, when will my funds be available and when will my account be closed and how will I receive my funds? She stated 10 days however, my funds would not be available or be sent back to me until they receive a stop payment return from the other bank or the maker of the check walks into a local branch. I then let her know that if I place a stop payment on the check then that would warrant the closing my account for fraud. At this point I have no idea when my funds will be sent back to me however, Chase is not following the regulatory requirements of disclosing their funds availability policy and make up their own rules as they go. This is absolutely absurd to ask a maker of a check to walk in to a local branch to prove they issued an " illegible check ''. If the check was truly illegible then the issuing bank will return referent to maker and I do not see then point of placing a stop payment. If the check was truly illegible then it should have been rejected by Chase and reversed from my account, | ||||||
| 05/14/2022 | Yes |
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| I believe JP Morgan Chase bank has been violating my financial consumer rights by using discriminatory and excessive overdraft fee collection tactics. I have reviewed both my checking accounts for the past 7 years, and I was astonished at what I had found. I DO NOT have overdraft protection set up on either account. However JP Morgan Chase continues to pay ACH and Debit transactions, when they are clearly aware the funds are not available in the account. I believe this to be a tactic not to " assist the consumer '' but one simply to generate an overdraft fee of {$34.00} assessed to the account the following business day. I understand that banks have rights to accrue fees, however they are taking advantage of this system in place. This is exactly why banks have reported huge profits on overdraft fee 's over the past several years, even throughout the pandemic. This is the epitome of a large institution taking advantage of the small-time consumer and I truly hope that they are stopped. Chase bank has not only been allowed to operate this way, even though they have been investigated and sanctioned before, but they have notably become deeply reliant on this stream of revenue. This type of illegitimate commerce from any private banking institution should never be allowed to persist, let alone from the XXXX 's largest bank. I am not saying that I was perfect, but when the numbers are evaluated, no one could honestly ever say it was on the level. Please review below... ( I can provide documentation on everything ) CHASE CHECKING ACCOUNT ending XXXX starting in XXXX : End of Year total {$34.00} overdraft fee and refund amounts : XXXX : Charged {$400.00} ( XXXX fees ) Refunded {$130.00} ( XXXX fees ) = {$270.00} ( XXXX total fees ) XXXX : Charged {$2400.00} ( XXXX fees ) Refunded {$130.00} ( XXXX fees ) = {$2200.00} ( XXXX total fees ) XXXX : Charged {$5300.00} ( XXXX fees ) Refunded {$130.00} ( XXXX fees ) = {$5200.00} ( XXXX total fees ) XXXX : Charged {$2900.00} ( XXXX fees ) Refunded {$68.00} ( XXXX fees ) = {$2800.00} ( XXXX total fees ) XXXX : Charged {$2500.00} ( XXXX fees ) Refunded {$68.00} ( XXXX fees ) = {$2400.00} ( XXXX total fees ) **NOTE : In recent, I have reached out to Chase regarding recovering additional refund 's for overdrafts and I found it very interesting that they were willing to refund all fee 's for the current year, all XXXX of them. This has NEVER BEFORE been an option! ** Current year XXXX : Charged {$1100.00} ( XXXX fees ) Refunded {$1100.00} ( XXXX fees ) = {$0.00} ( Refunded all fee 's ) Total fee 's charged to account ending in XXXX and not refunded since XXXX {$13000.00} ( XXXX total overdraft fees ) CHASE CHECKING ACCOUNT ending XXXX starting XXXX : End of year total {$34.00} overdraft fee and refund amounts : XXXX : Charged {$740.00} ( XXXX fees ) Refunded {$34.00} ( XXXX fee ) = {$710.00} ( XXXX total fees ) XXXX : Charged {$300.00} ( XXXX fees ) Refunded {$130.00} ( XXXX fees ) = {$130.00} ( XXXX total fees ) XXXX : Charged {$340.00} ( XXXX fees ) Refunded {$100.00} ( XXXX fees ) = {$230.00} ( XXXX total fees ) XXXX : Charged {$34.00} ( XXXX fee ) Refunded {$0.00} ( No Refund ) = {$34.00} ( XXXX fee ) Total fee 's charged to account ending in XXXX and not refunded since XXXX {$1100.00} ( XXXX total fee 's ) As you can see, Chase bank has been making a lot of money on my two checking accounts. Arguably they certainly didn't shy away from taking even more advantage during the recent COVID-19 Global pandemic that left a lot of people, myself included, out of work for several months trying to make ends meet. I have a child and child support, I work hard to take care of my family and my financial obligations everyday, but this just doesn't seem right at all. ( GRAND TOTAL in overdraft fee 's since XXXX {$14000.00} ( XXXX Total Overdraft fees ) Whatever you can do to help me recover some or all of these funds would be greatly appreciated. This can not stand. Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 08/04/2017 | Yes |
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| I lived in my home for over 18 years when I was married in 2003. My mortgage company was XXXX XXXX XXXX. I received a letter in the mail from the CEO at the time who wrote me a letter stating that they had not been getting my payments and that my mortgage was over a year past due. He stated that since it was their error that they never detected that error ( which was not true ) that he was willing to not file foreclosure papers on me if I would be willing to pay him {$45000.00} since my house had over XXXX. dollars worth of equity in the home and my payoff was XXXX. He stated he would be willing to forgive the balance since I was going through a divorce and write the remaining balance off for me. He also stated that he would consider my mortgage paid in full and will send me the deed and title to my home once he received the check. I was very young, nave and confused because I was going through a divorce, but I did hire an attorney to help me with ( I thought ) was a blessing for me to have a debt free house so my daughter and me did not have to be homeless after the divorce with no family support. I hired a real-estate attorney who spoke to the CEO himself and they both agreed that this was a legitimate transaction for me to pursue. I was advised by my attorney to get a loan for {$56000.00} because his fee was {$10000.00} and the remaining {$1000.00} was for me and he would make everything happen for me and my daughter. I did get the loan, the CEO was cut a check by the lawyers office for XXXX, and the attorney received his money for XXXX, but I never received my deed and title in the mail within 7-to 10 days as promised. I went back to the attorney after a week, and asked him what was going on.. He stated to me that he had been trying to reach the CEO but he was not taking anymore calls. The attorney stated that It appeared that we had been scammed. XXXX XXXX had sold my account to Bank one and I had not been made aware of that until after this had happen to me. My attorney basically shut the door in my face and said he was sorry it was nothing else he could do to assist me and because I was so devastated and depressed, I ended up losing the home, moving out with my daughter, and became very sick and diagnosed with XXXX XXXX for years because I nearly XXXX XXXX XXXX. But I thank God that I 'm back to myself again and I am ready to fight for justice. I did not even remember that this happened to me until I ran intothe attorney in the post office last year who remembered me and apologized again for the CEO taking advantage of me and that the CEO took advantage of him too. Because of the XXXX XXXX that I suffered for all of those years, I blanked everything out of my mind because I had to stay sane for my daughter. I had to file bankruptcy and I lost everything. My name was ruined. I could not get anything in my name for years because of this tragedy. Can you please help me with this matter. The CEO and the lawyer both took advantage of an innocent person like me who was only trying to do the right thing by securing a home for me and my daughter to try and finally live in piece. I was bullied by collectors coming to my home from Bank One lawyers office. I was made to sign papers that my attorney asked me to do to try and satisfy Bank One also now that he found out that they were my current mortgage holder and not XXXX anymore ... I only did what I was advised to do by who I thought was a trusted and creditable council and I was just abused in every sense of the word. No one could ever imagine the XXXX that my daughter and me have suffered of the past years when I was being harassed and threatened. And now that this memory has resurfaced, I want to share my story in hopes that the CEO of XXXX and the lawyer who may have thought they had gotten away with over 55.000.00 will be served with papers requesting for them to repay with interest what is due to me and daughter for all of the pain suffering that we encountered at their unjust hands. | ||||||
| 01/07/2021 | Yes |
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| XX/XX/XXXX Consumer Financial Protection Bureau Re : This complaint is about harmful transactions on my credit report for 2 transactions. Companies involved : XXXX, Chase and XXXX XXXX I had my cash flow impacted due to COVID-19, and I had to use my credit cards to pay for necessary expenses to survive. XXXX must not make excuse of this utilization, because I have been paying regularly to my cards and still maintained a score of XXXX ***My score dropped very low on XX/XX/XXXX when XXXX placed all RED marks on my report and closed the account and said dispute is complete. Further, all my efforts to resolve the issue with XXXX, Chase and XXXX of the harmful entries in my credit did not work. All my request to get loan got denied due to this*** Following are the transactions with XXXX adversely impacting my credit : 1> Chase Credit Card XXXX I have filed complaint against Chase separately with another company ) 2> XXXX Credit Card 1. Chase credit card - Negative Impact on my credit and lowered my score very low form XXXX to XXXX impacting my day to day life with declined of loan request from several lenders I have been trying to communicate with XXXX and explained to them in detail and impact on my daily life, but there is not any support at all. I learned about this Chase collection approximately 2 weeks ago i.e. 2nd week of XX/XX/XXXX. I had been scammed by a company when I was looking for help in my business in XXXX XXXX. I gave my Chase card number but never received any product or services from this scam company. From the very next day I learned and I been fighting and sent support documents to Chase. But this bank did not honor the right thing that is to " not to credit the scam ''. I spent several hours and days trying and requesting Chase to make correction, but the bank did not correct. I was already hurt with the uncontrollable situations in my business, and I did not want to use Chase card again. I told their dispute department that their action is not polite and I stopped using the card form this point. With the hit of COVID-19, my cash flow impacted and I had no choice and used my other credit cards to pay for necessities. During this time the lenders did hard pull on my credit and told me that I have collection on my account. I got several of my request of loan from lender denied, because of the collection. Chase never sent any letter or anything about this collection, no communication at all. I checked my credit account after the email on XX/XX/XXXX of dispute completed with XXXX and was shocked to see further score dropped to XXXX due to collection and closing of Chase account. This dispute I filed with XXXX soon after 2 week of XX/XX/XXXX. XXXX closed the dispute saying is resolved. And XXXX put all RED mark my report and dropped my score extremely low. I called since very day XX/XX/XXXX few times, but got absolutely no help. I called Chase as well ; they said " call XXXX '', and XXXX say " call Chase ''. But I am as the end consumer suffering with their ignorance. 2. XXXX Credit card Negative impact on my report, lowered score XXXX further has inaccurate information on XXXX card in my account. I had moved and did not receive my XXXX Bill and some very important mail i.e. trade mark registration form XXXX. Because USPS mail forwarding did not forward all my mail. When I realized that I dont have XXXX credit statement, I actually called to find out and paid the balance over the phone immediately. But XXXX reported it negatively. All my efforts to not to cause harm to my credit, they did not resolve. Further. regardless of my all attempt to communicate with XXXX, they did not correct it. It still shows late. Even last night I called and requested but XXXX said " it is XXXX, they need to correct it not us, we cant do anything ''. At the end I am suffering. I need your help to have XXXX correct the transactions. The further detail is in the attached screen shot captured from the credit account. Thank you | ||||||
| 02/03/2022 | Yes |
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| Summary of Events this far : - On XX/XX/XXXX, someone illegally accessed my XXXX phone account ( XXXX ), XXXX email account ( XXXX ), and also XXXX of my CHASE bank accounts, business ( Account # XXXX ) and personal ( XXXX ). It was at this Branch listed below. XXXX XXXX XXXX XXXX T : XXXX Chase Bank XXXX XXXX XXXX XXXX, NJ XXXX They were able to successfully transfer XXXX from my personal checking account to my business banking account. From there, they created ( XXXX ) wire templates and were able to successfully wire XXXX to a XXXX XXXX customer named XXXX XXXX. - I reported the activity and filed a claim with the branch the same day - On XX/XX/XXXX I received a letter from CHASE FRAUD DEPARTMENT denying my claim-- The branch thereafter contacted the CHASE fraud department and requested that they re-open the claim as they were aware that monies were stolen from me. CHASE asked for proof that my phone and email was hacked to reopen the claim. - On XX/XX/XXXX I sent to CHASE proof of my email account being hacked - On XX/XX/XXXX I sent to CHASE proof of my phone being hacked- I started following up with this claim through the CHASE Retail Wire Service Dept via secure messaging through the CHASE app. - On XX/XX/XXXX it was established with CHASE Retail Wire services that they did follow up with the receiving bank ( XXXX XXXX ) regarding the ( XXXX ) wire transfers. I was told that XXXX XXXX requested " Hold Harmless Letters '' from Chase. - From the period of XX/XX/XXXX to XX/XX/XXXX I followed up consistently with CHASE retail Wire Services to confirm if the Hold Harmless letters were sent to XXXX XXXX but they kept pushing me off saying that the process takes XXXX to XXXX days. After the XXXX days were done the XXXX XXXX XXXX asked me to contact the fraud dept via telephone. When I contacted the XXXX dept I was verbally told that the case will remain closed, they did not send out the hold harmless letters to XXXX XXXX. They determined that the proof I sent in was not sufficient. They did not give me a reason why, and they said there was nothing they could do. I then proceeded to file a fraud report with FTC, NJ Department XXXX Banking with no response Police Report was being filed with the XXXX Police Department I have done some personal research and the beneficiary of the XXXX dollars in wires was XXXX XXXX as indicated on my bank statement. Preliminary research has determined that there is only XXXX XXXX XXXX ( with this spelling ). After a brief internet search, I was able to locate someone with that spelling. See below. XXXX XXXX XXXX - Numbers that show up online for her are XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX XXXX simply review my cell phone bill it shows that at around XXXX on XX/XX/XXXX, my cell phone calls magically started showing XXXX Florida as the Origination XXXX XXXX The only way this could happen is if they pinged off those cell towers located in XXXX Florida. I was at the time in and around XXXX NJ as you can see by the origination locations that occurred prior to XXXX and after XXXX. In addition, the Bank Rep that set up my account was : This guy opened the accounts : XXXX XXXX | Chase | Private Client Banker | NMLS ID XXXX | XXXX The Plaza, XXXX, NJ XXXX | Coincidentally he relocated recently to MD. While this XXXX simply be a coincidence it seems a little strange to me. I have been trying without success to obtain some cooperation from Chase Bank. I want to reiterate that I in no way shape or form requested these wires, nor do I have any knowledge of who XXXX XXXX is. These funds are extremely important to me, and I can not be deprived of them any longer. Please increase your efforts to assist me. I have wasted an enormous amount of my time for no reason. I was obviously a victim of fraud. Chase Bank Will not help me and wont give me my money back. XXXX HELP ME XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 11/21/2023 | Yes |
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| On XX/XX/2023, I initiated a money transfer of XXXX} through XXXX XXXX XXXX, with Reference # XXXX. The funds were supposed to be remitted to my brother in XXXX into his XXXX Bank account number XXXX. The XXXX was being transferred via my debit card ending in XXXX and linked to my JPMorgan Chase Bank checking account ending in XXXX. Roughly XXXX minutes after initiating the transaction, I received another text message from XXXX XXXX saying the money has been deposited to the intended recipient in XXXX. This was a flat out lie because the money was never deposited even after XXXX days! I called XXXX XXXX customer care through the app to complain that the money was not deposited, and they confirmed to me that, in fact, the money was not deposited because there was a receiving limit set by XXXX Bank ( the receiving bank ) and hence the XXXX would have to be returned to my account. They told me to expect this refund withing XXXX XXXX business days, but I never received the refund. I kept on calling for the next XXXX days asking why my refund hadnt been sent yet and they never provided me with an explanation or a timeline when to expect my refund. It was already well beyond the XXXX business days at this point. I proceeded with filing a dispute claim through my bank. I filed a dispute on the XXXX of XX/XX/2023 with Chase Bank. Claim number XXXX. The reason I provided in the filing was SERVICE NOT RENDERED. On the XXXX of XX/XX/2023, I received a text message from XXXX XXXX XXXX stating that your money transfer of XXXX has been canceled. Your debit card has not been charged. Cancellation reason : Transaction rejected by payer On the XXXX of XXXX, I received a letter from Chase Bank saying that the investigation has been completed and the case has been decided against me, and thereby there was a reversal of the XXXX XXXX credit. On the XXXX of XXXX, Chase Bank claimed to have mailed out documents which I requested. These documents were supposed to contain information used in the research. As of XX/XX/2023, I still have not received those documents which strongly implies that Chase never sent them out. So, in a nutshell, XXXX XXXX has acknowledged in a text message and via phone call, that the transaction was cancelled, and that I will be receiving a refund, and somehow, Chase bank adjudicated the case against me. Im more than perplexed. And worthy of note is that since I filed the dispute, XXXX XXXX has since suspended my account as I am not even able to log into my account or the app anymore to see what is going on there. Regrettably, despite submitting all the evidence to Chase bank that proves that in fact XXXX XXXX XXXX did not render service, Chase bank was willfully blind and concluded that we found that the transaction ( s ) was processed according to the information you provided or was authorized And by the way, I filled this dispute under service not rendered. Chase Bank made no effort into actually trying to help me in this matter. Chase Bank has been unhelpful throughout this process, and their lack of cooperation has further exacerbated my frustration and financial inconvenience. I have attached copies of relevant documentation within my power : all text messages received from XXXX XXXX, a recording of my conversation with XXXX XXXX where you can hear them acknowledge that they were supposed to issue me a refund within XXXX XXXX XXXX business days, and the dispute resolution communication with Chase Bank. I seek your intervention in this travesty of justice to investigate this matter thoroughly and facilitate the refund of my XXXX. I kindly request the Consumer Financial Protection Bureau 's assistance in ensuring that XXXX XXXX and Chase Bank adhere to their respective responsibilities and obligations, and that I am promptly reimbursed for the funds in question. Thank you for your attention to this matter, and I trust that the CFPB will undertake a thorough investigation to address the issues raised in this complaint. | ||||||
| 08/04/2023 | Yes |
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| I deposited a check for {$5700.00} ( not the exact amount ) on XX/XX/XXXX to which Chase stated it would clear on XX/XX/XXXX. On the morning of XX/XX/XXXX, I attempted to withdraw the deposited money from my account at a Chase branch only to be informed that my account was restricted due to suspicious fraudulent activity and was instructed to call the fraud department to release the restriction. I called and spoke with 5 different Chase representatives throughout the day of XX/XX/XXXX in which 4 of them stated the check was flagged due to something with the signature which I wasn't sure how to resolve as I wasn't aware of any issues with the check upon depositing it. Those 4 representatives stated that I needed to submit a " verified number '' for the check issuer to which I provided what was given to me. One of the representatives informed that the number couldn't be verified and asked if I had another number ( which I didn't ) to verify but there are a few locations in my area and wasn't sure why the number I was given by the store associate wasn't valid. In that conversation, this representative informed me that ALL of my Chase accounts ( 4 total - 3 checking and 1 savings ) would be closed after 10 business days if the check can not be verified which was my FIRST time hearing this although I had spoken with 3 other Chase representatives in the fraud department and NO ONE noted this. All I was told was that after 7 business days if the check couldn't be verified it would be sent back. Additionally, I was not informed that they were was NOTHING they could do to stop the check and that I had to recall it from the business that issued it which I spent most of the day trying to get a hold of someone at the business to help me. No answer. So naturally, I just want to cancel the check and report it as fraud because now it seems I was given a bad check. I mentioned this to the Chase representative in an attempt to let her know I had no idea this was not an authorized person able to write checks and that I just wanted to keep my accounts since I have been a Chase customer since XXXX to which she essentially told me it's my fault for not double checking the check and there was nothing that could be done by Chase unless the check was verified. This SAME person ( from the FRAUD department ) told me that since all of my accounts are restricted I'm unable to transfer money or use the Chase app but that I could go into a branch, explain the situation, and that a banker would be able to withdraw my money from my 3 other accounts that were NOT connected to the deposited check. Upon going back to the bank, for a THIRD TIME, the banker also called the fraud department to which he told me there was nothing he could because the fraud department had not made any notes on my account although I only went back because another representative told me that this could be done. Not only have I struggled with this for a full day attempting to keep my accounts all I wanted to do was have access to the funds in my other accounts at Chase. I'm not even able to access any online system to now report the check as fraudulent because everything has been restricted for me to use. I have had Chase since XXXX and have had THREE of my debit cards compromised during my time with them due to REAL fraudulent activity along with a check that I received for {$6000.00} to which Chase accepted ( it was deposited at the ATM ), made the funds available, verified the check and everything only to REVERSE the entire check a few days later causing my account to go into the negative. This is issue was NEVER resolved even after multiple back and forth conversations which various departments about the situation. This is extremely UNACCEPTABLE as a Chase customer for so long but also for customer service in that NO ONE I spoke with offered any real help with resolving this issue. At this point, I simply either want to keep my accounts, report the check as fraud, and have access to my money. | ||||||
| 05/08/2020 | Yes |
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| Dear Madame/Sir, My Chase credit card was fraudulently billed in the amount of {$1200.00}. The charge was dated from XXXX XXXX, and originated from a Chase merchant ID of *XXXX XXXX. I did not authorize the transaction and believe it constituted identity theft. I was alerted to this transaction and the potential of identity theft when I discovered that my email account had been spam-bombed, meaning that there were thousands of emails that appeared over a short period of time. Because I knew that this is a potential sign of identity theft, I searched through the emails to find a Chase Alert and, sure enough, found the unauthorized transaction in question. I immediately notified Chase, cancelled my card, and searched through other accounts to look for signs of unauthorized transactions or access. I was informed by Chase that the charge was reinstated by a letter dated XX/XX/XXXX. Chase 's investigators claimed that the charge was legitimate because I " ... received benefit from this transaction. '' In a call to Chase 's fraud department, an agent explained that the transaction might have been deemed legitimate because it included information such as my email address, phone number, and address. I appealed Chase 's decision in letter to Chase, dated XX/XX/XXXX. In the letter to Chase, I strenuously insisted that this charge was fraudulent in that I did not authorize it, had no foreknowledge of it, and received no benefits from the merchant. I also explained that the personal information that was used with the fraudulent transaction corresponded to an instance of identity theft. I noted that all of the personal information used in the transaction, save for the card number, was easily obtained from public sources or the dark web ( as a result of this ordeal I discovered that my email address does appear on the dark web because of a breach at XXXX dating from XX/XX/XXXX ; see XXXX XXXX XXXX ). In the letter to Chase, I explained that the transaction was made via XXXX ( evidenced by the *XXXX in their statement ). In conducting my own investigation, I retrieved the receipt from the XXXX website and discovered that the transaction appears to have been manually keyed in the middle of the night, and made to the IT Company of XXXX XXXX. I have no IT company ( Im a XXXX at a XXXX XXXX ). In addition, the services on the receipt list website design consulting, IT consulting, and website consulting, none of which pertain to any services I need or ever authorized. Finally, the merchant address ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) is not commercial or business address but ( traced via XXXX ) corresponds to an apartment in a complex. Ive had no contact or need for contact with anyone at this address and I have no idea who or what is XXXX XXXX. I also would like to stress that I immediately flagged the unauthorized transaction, reported it, and cancelled my card. I also explained in my XX/XX/XXXX letter to Chase that, subsequent to to the initial reinstatement of the charge and failed investigation by Chase Fraud Department, I reported the fraudulent transaction to my local police department. The case number is XXXX, the officer in charge is Deputy XXXX, and the police departments number is XXXX. Recently, I received a letter from Chase date XX/XX/XXXX indicated that they have reviewed the claim once more, but resolved that the transaction was valid, holding me responsible for the amounts in the account ( {$1200.00} ). Although I urged them in my XX/XX/XXXX letter to include me ( e.g., gathering of evidence ) as much as possible, they did not reach out to me in the course of their investigation. Because the charge was reinstated as part of billing cycle that ended last month, and we *always* pay the full balance on our credit cards, we've lost the funds under dispute. Again, I would like to insist that the charge was unauthorized, and I received no benefits. Chase provided no evidence to the contrary. Thank you for your attention. | ||||||
| 08/13/2022 | Yes |
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| On XX/XX/XXXX, I paid {$2900.00} to reserve a rental property using my Chase Sapphire Reserve credit card, for XX/XX/XXXX to XX/XX/XXXX. In doing so, I relied on the description of the property on XXXX, photos shown on the listing, and the propertys advertised features and appliances, including a working kitchen, refrigerator, and air conditioning. The transactions posted on XX/XX/XXXX as {$2600.00} by merchant " XXXX XXXX '' and {$250.00} by merchant " XXXX XXXX. '' My family then purchased airline tickets and flew to XXXX, XXXX. When we arrived, we discovered that the property was significantly misrepresented - there was no working refrigerator, no air conditioning in the bedrooms, major appliances and walls were missing/broken, the balcony doors were broken, handles were falling off, doors did not lock, lights did not work, and a large loud generator stood on the balcony ( which was not in the advertised photos ). I documented everything, took photos and videos, and sent them to Rental Advisor. We could not leave the property because there was nowhere to go on such short notice. We had also made the reservation 57 days ( two months ) before our check-in, but the rental agreement stated : The tenant will receive no refunds if cancellation takes place less than 90 days before check-in ; Cancellation or early departure does not warrant any refund of rent. Thus, we had no choice but to stay until XX/XX/XXXX, and were forced to incur almost {$1000.00} in additional expenses due to the merchants misrepresentations. During the stay, I detailed all of the issues and defects to Rental Advisor by text and through the XXXX XXXX, and I sent letters to both merchants on XX/XX/XXXX requesting a refund. XXXX said that it was unable to refund me, and Rental Advisor still has not responded to my refund request. On XX/XX/XXXX, I called Chase to dispute the two charges and explained how I was induced to make the payments through the merchants misrepresentations, false advertising, and fraud. On XX/XX/XXXX, Chase responded in a short letter, with no explanation, that the charges were valid because the services you purchased were received or available to use. This is wrong and is contradicted by the voluminous supporting documentation that I have sent to Chase. On XX/XX/XXXX, I sent Chase a formal notice of disputed charges under the Fair Credit Billing Act, with a comprehensive letter and detailed documentation to support my claim, and requested that Chase dispute the transactions under the Visa Rules ' Dispute Conditions 13.5 ( Misrepresentation ), 13.1 ( Services Not Received ), and 13.3 ( Services Not as Described or Defective ). On XX/XX/XXXX, Chase sent me another one-sentence response, with no explanation, that the transaction is valid and no billing error occurred. I then spoke with representatives at a Chase branch, who said they could not help me. On XX/XX/XXXX, I sent a letter to Chases Branch Complaint Escalation Group, and filed a written complaint with Chases Executive Office about the improper handling of my FCBA dispute letter. On XX/XX/XXXX, the Executive Office left me a voicemail stating that the charges were valid because since you stayed the duration of the stay, you received the service, and the merchant is entitled to the funds. Chases handling of my dispute violates the Fair Credit Billing Act, Regulation Z ( including, but not limited to, 12 C.F.R. 1026.13 ), my consumer rights, and Visas rules, including the Visa Core Rules and Visa Product and Service Rules 11.1.2, 11.10.2, 11.10.4, and 11.10.6, and the Visa Dispute Management Guidelines for Visa Merchants, which both merchants have violated. Despite my detailed letters and evidence about the fraud and misrepresentations regarding the property, Chase has refused to assist me or dispute the transactions. To the extent Chases position is that I should have left the rental property to dispute the charges, Chase never gave me notice of such a policy prior to my dispute. | ||||||
| 09/01/2020 | Yes |
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| Earlier this month after opening this account I received my debit card. I added this card to my XXXX XXXX wallet and experienced multiple declines over multiple days. I have never received a single text, email or letter stating why or to verify the transactions were authorized. Fast forward to last week I contacted Chase and spent about an hour on the phone trying to get to the bottom of it. I spoke to the debit card fraud department ( some 4 letter acronym ) and they advised me that the declined transactions were due to the XXXX XXXX and that they added this merchant to my " daily usage '' and that my card WOULD NOT EVER DECLINE again due to using XXXX XXXX. I asked the rep again that question to be sure and I was assured it would not decline again. Fast forward to today and here I am being declined for {$3.00}!!! Last night {$85.00} was approved without a hitch but today {$3.00} isn't. I contact chase and the first rep I spoke to I could hear just fine, was transferred to this fraud department and the 2nd reps phone line was horrendous. This rep hung up on me likely out of frustration. Very poor customer service. Called back to find out that my debit card now had a " hold '' placed on it, seemingly likely by the rep that hung up on me, interesting. I was transferred by the system to the fraud department and spoke to XXXX I believe. I was very upset after being hung up on and that now had at least 10 declines to my debit card this month with sufficient funds. XXXX confirmed that it was due to XXXX XXXX and put me through the whirlwind of verifications. I had already verified my card info multiple times, my pin to the system and yet he treated me like a criminal!!! After it was all said and done he stated that he enabled my cards usage, tried it, declined again. Then he did something else and stated that I should have been receiving text messages confirming these transactions to approve them so it goes through. I advised him I haven't received any and would like to. He stated he would transfer me to a rep that could get that set up. XXXX warm transferred the call yet I had to verify all over again. ( This is insane. ) After about 10 minutes with this rep I find out that everything XXXX told me was false and that " no such alert exists '' and that whenever Chase decides to block a transaction, its done so out of " security ''. Okay at this point Chase is holding my money hostage preventing me from using it. Chase has been made very clear multiple times that under no circumstance has there ever been fraud on this account and that XXXX XXXX is legitimate, she told me that there's no way for me to stop it from declining, which I find hard to believe. She then said that there ANOTHER DEPARTMENT that can maybe help but they're closed but I can call them in the morning at XXXX. ( Great thanks I'll spend more time doing Chase 's job. ) I use XXXX XXXX as much as I do for two reasons : 1. I get free ATM withdrawals and unlimited ATM fee reimbursements from an attached checking account and 2. Because of the online shopping I do, I have learned to not give out my personal checking debit card out of fear of actual fraud so I use another card that I keep at a {$0.00} balance. This has to be illegal how many times Chase has declined me using my card for the exact same thing! Also, two times this month because Chase was declining my XXXX XXXX, I had to use my Chase debit card at an ATM and incurred {$2.00} from Chase TWICE, and {$3.00} from the ATM owner TWICE. Last week when I called I was told by the customer service rep that she could only credit back the TWO {$2.00} charges and not the {$3.00} ones and stated she did credit the {$2.00} 's back however that turned out to be yet another lie from Chase. She credited ONE back and not the other. ALSO, on XXXX when you try to setup XXXX XXXX it has a button VERIFY, when you click it its states that you have to call XXXX, when you call as a customer there is no option to verify for XXXX XXXX | ||||||
| 04/03/2021 | Yes |
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| I had a 3 year lease on a car through Chase Auto Finance which was over in XX/XX/XXXX. In XXXX of XXXX I called the car dealership to discuss what to do. The dealer told me that Chase was offering a 6 month, month-to-month extension due to the pandemic, and all I had to do is call them, which I did. I was told that yes, I could have this extension, all I had to do was to continue to make monthly payments. I did so, by auto-deduct from my bank account ( Chase ) and in fact I am paid up through XX/XX/XXXX. On XX/XX/XXXX my car was missing, and I found out through the police, whom I called to report a stolen vehicle, that it had been repossessed. I then spent many hours calling Chase. My account had been deleted and my car had been towed to somewhere about an hour from where I live. I was told the only way I could get my car back was to send {$18000.00} in cash via XXXX XXXX to XXXX TX. Alternatively I could send a cashier 's check to a post office box in XXXX XXXX, TX but they could not tell me how long that might take nor would they given me any written instruction or guarantee that I would even get my car back. I actually did try to find out how to send this large amount of cash by XXXX XXXX and that is not even possible, at least not from the part of the country where I live! I called many XXXX XXXX and was told they do NOT sent that kind of cash, the most you could send is {$3000.00} a day, and you can only do that a few times, not the number of times you need to get to {$18000.00}. I was warned by several XXXX XXXX offices that this sounded like fraud and I might lose all my money if I even attempted it. I opened a dispute with Chase but the next week I was told they consider the repossession to be valid, but I was not even given a reason why, they just hang up. Again, I was paid up, plus I was never contacted by Chase, told I needed to do anything, and my car was just taken. I am terrified that my credit will somehow be wrecked by this. I'm a single mother of XXXX, I and my children all had XXXX and believe me, we have suffered. I am XXXX and have had to be working from home. All the time I have had to spend on this has cost me loss of income, as if I don't work I can't bill, it has caused me mental anguish and turned my life upside down. Public transportation is very limited where I live. I am having an extremely hard time getting my child who is going to hybrid school to and from school, shopping for groceries, etc. I would like to add that my mom, who was trying to help me, originally called the CFPB. She was told it would be okay for her to file a complaint on my behalf and she did, complaint ID XXXX. Because of that she was contacted by a XXXX XXXX who stated he was from Chase executive offices. She gave him my contact information and thereafter he only spoke to me. After about 2 weeks he called and told me the same thing I had been told after my initial dispute : the repossession is " valid '', and then he hung up on me. Yesterday my mother received an email from the CFPB stating " This complaint lists someone the company does not recognize as their customer ... '' and it seems that this exonerated Chase from having to respond to you, the CFPB. Even more upsetting though, is that I received an email from you, the CFPB saying " We've received your complaint with ID XXXX but I NEVER MADE A COMPLAINT! Who did this, its very strange and upsetting! it also says on the bottom that the issue is " struggling to pay your loan '' and this is not and has never been the case! I have made all my payments on time, as I stated above. So now I am making my own complaint against Chase, although I have no real hope that you or any consumer protection agency will actually do anything to redress my grievances against this company, which I have subsequently found out has been the object of at least one class action suit already, and has had many many complaints lodged against them for unspeakable, misleading and fraudulent practices. | ||||||
| 12/19/2018 | Yes |
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Web | Servicemember |
| My complaint is against Chase and some of their practice 's they have done. Chase over charging me not credit crediting me properly. increasing my monthly fixed loan payments totally unauthorized. Chase on there own accord just changed the term of my initial loan agreement from 20 years to 30 years actually ripping me the cosumer off This is totally unsatisfactory to me I don't believe chase practices allows them to do this costing the consumers more money without the consumer having knowledge about it the changes they made that I didn't agree to. And they done twisted this paperwork up so much their own representatives in the Chase XXXX branch can't even explain what's happened and they don't understand it I spoke it to XXXX and the female manager there she gave me papers that say I owe 224 more months at XXXX that's not accurate. This discrepancy was brought to my attention by XXXX call me said I need to refinance cause this loan is way too much you can wait too much and that's when he told me i had a 30 year loan instead of a 20 year fixed. So no one know what's going on but I'm the 1 to suffer it's not fair it's unsatisfactorily and I'm not going to tolerate that. XX/XX/2007 I open a home equity loan with Washington Mutual bank. They transferred the loan to Chase I've been making payments in the amount of XXXX per month as per my fixed loan agreement. That was my fixed rate for 20 years. I was instructed by Washington Mutual that as time went on any extra money I would borrow would be at a 6.5 % neutral rate. I was also instructed that any money I send in extra monthly over the XXXX will go towards the payment of any additional loan amount I used. Now I'm getting conflicting information from Chase They say I owe XXXX for 30 years not 20. Since I took the 1st additional money off the equity Above my original loan I've been paying at least XXXX per month to go toward the loan amount I borrow so I've been paying that for 11 years additional. Every month Chase has been charging me XXXX or more at has not been applying anything to the amount of the additional equity borrow anything over the XXXX should have been credited towards the additional money I borrow. no credit has been issued to the additional money borrowed. somehow chase just increased my monthly payment by a {$100.00} For a few years now but has not applied anything to the extra money I've borrowed how can they do that When I spoke to representatives XXXX in the Chase branch in XXXX and we've been trying to get this rectified with chase home equity nobody has answers for me and respond they don't know what's going on just going by what we see. I've been requesting my originally signed papers the truth in lending, the mortgage papers As of this date they have not produced my originally signed papers. So my full complaint is how are they increasing my monthly payment Without putting nothing to the variable amount I borrow How do Chase increase my monthly payments from 20 to 30 years sounds illegal to me Where did all the extra money I've been pain according to WA ' mu would go to the variable I borrow .Where has it went where it is gone How come I Receive no credit For all these years I've been sending extra Money on top of my original payment. The billing statements are not clear on how much I owe on the variable amount or the amount left one say owe a XXXX total the other says i owe XXXX XXXX but how much did I borrow on the variable side there is no clarity. I'm trying to get clarity of all the figures but the Chase rep at home equity had no answers for me. I want Chase to tell me how much I borrowed on the variable amount I want Chase to properly adjust and credit the amount of all the money I sent to creditors to variable loan over the years I want Chase to stop Billing meXXXX go back to my XXXX that I could choose what I wan na send an extra for the variable Get all my figures and have them all my monthly statements so I can see what's going on A monthly basis | ||||||
| 04/26/2017 | Yes |
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Web | Servicemember |
| I 'll try to be brief. In XXXX I submitted two claims for unauthorized, unrecognized charges on my checking account. I was told the claims would be concluded within 60 days. I was told that my card was being cancelled and I was being reissued a new one, and I paid for priority processing and advised the agent that I was leaving in 9 days for a wedding in another state. I asked if it would be best to hold off on reissuing the card until I returned, but I was assured that the card would arrive far in advance of the day I left and that I really should let the agent cancel it for the benefit of the claim. I then had to cancel my flight because the card never arrived and having contacted Chase multiple times, I was eventually informed that a new card had never even been ordered after my original was canceled. The closest Chase banks with the ability to issue new cards were both in excess of 200 miles from my home and my arrival destination, meaning I had no means to pay for gas, taxi, whatever the case may be. So in this instance alone the negligence of several Chase employees cost me XXXX $ I had invested into a flight I could no longer take. ( How was I going to pay for my Tuxedo rental, hotel, food, etc. ). In early XXXX , I advised the bank that as we are approaching the end of the 60 day time frame, I would be out of town from XXXX XXXX through the XXXX and gave an alternate contact phone number in case I needed to be reached. I arrived home on the XXXX and found emails from the XXXX stating chase needed more information to investigate my claim. Then, 2 more emails on the XXXX stating my claim was rejected because Chase found the " charges to be correct ''. I called on the XXXX and was advised by the claims agent that I spoke to that the agent who handled my first claim had filed the claim incorrectly, as a service not rendered instead of an unrecognized or fraudulent charge. The second claim had simply been filed in an identical manner as the first because when I spoke to that agent I, unaware at the time that the original claim was mishandled, told him they were both the same scenario. So the agent I spoke to on the XXXX gave me this information, then advised me that she would resubmit the claims and contact the investigation team to have them cancel the impending reversal of the credits I was originally issued in XXXX . I specifically asked if this would be the case because my rent, phone, cable and car insurance bills are all due at the last week of each month. I told her that if the funds were going to be pulled, I would need to make alternate arrangements to cover these things, or at the very least withdraw what I needed from my bank account and let it sit in a negative balance until the claim was resolved or I could make a deposit. Because the agent assured me it would be fine, I left my funds in the account. Fast forward to XXXX , and the funds have been pulling out of the account, leaving me with not enough money to cover my bills and I as of today am facing eviction from my home because I can not pay my rent. I contacted Chase claims department again and spoke to 3 different agents, all of which refused to allow me to speak to a manager. I was told that there would be no consideration of a temporary or emergency credit being placed on the account. All three agents recognized and agreed that the mishandling of the claim is what resulted in the situation and simply stated there was nothing they can do. I know, for a fact, that this information is not accurate. I am currently facing eviction from my home and suspension of my drivers license, as well as the impending loss of access to my phone which is needed to manage this absolutely atrocious situation caused by the willful ignorance of the Chase bank claims department. I have additionally filed a complaint with the XXXX XXXX XXXX and have forwarded all of my information and documentation to a local law office for review as well. | ||||||
| 08/22/2018 | Yes |
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| I just heard from Chase ( XXXX XXXX, Executive Office, XXXX, ext XXXX ). It looks like the lie I was told on the XXXX was just that. The card hasn't been mailed, it's going regular mail and may not be here this week. ( as opposed to priority shipment last Thursday ) ( as opposed to super duper priority and delivery by the XXXX ) He said there is nothing he can do. He offered an extra two weeks for me to make my {$2000.00} in purchases. Big whoop! He said he referred the issue to the Chase marketing department. Yeah, well I guess if you're truthful, you'd get a lot less takers. Since I applied for the XXXX XXXX card I had to pay for my XXXX ticket ( {$300.00} ), reserve the conference hotel ( {$500.00} ) and pay for a car rental and hotel for the trip ( {$750.00} ). When you advertise a card the consumer believes he can use it in a reasonable time for the trip, unless I'm mistaken and XXXX keeps 20 seats on each flight in reserve for when the card arrives and they can use it to make a reservation. I took a 22 point hit on my FICO score for a useless card. I don't have priority boarding or free bags because the XXXX website doesn't say you can't use the card or card info that day. XXXX is blaming XXXX because it's a partnership and they can't approve the card until XXXX gives the OK. But that's all beside the point, isn't it. XXXX offered to listen to the tapes and provide coaching to employes who say a card would be shipped in 3-5 days priority, and to the employe who said it was producted and shipped on the XXXX and would be delivered priority on the XXXX. I plan to file complaints with the Comptroller of the Currency, the Consumer Protection Financial Bureau, the FTC and the FAA for false advertising on the part of XXXX and Chase on the XXXX Website, misleading statements and damage to my credit score. At least this nefarious practice will be on the record and their " radar screens. '' XXXX XXXX Executive Vice President Customer Experience Chase Card Services XXXX XXXX XXXX XXXX XXXXk, N.Y XXXX I had an aggravating experience yesterday while trying to book a fall business trip between XXXX and XXXX this fall. It involves both of your companies. I saw a link for a XXXX Explorer Credit Card by Chase on the XXXX booking website. I made a reservation and when it came to the payment screen there was no mention of the special offer so I went to the link, signed up for the card and was approved. When I went to the payment screen I thought surely the new account would be able to be used, much like when XXXX senses your order and asks if you want to open and use an XXXX Visa to pay for your order. They dont make you wait 7-10 days to get the card in the mail. However, not with XXXX and Chase. When it asked for information I didnt have, I took the frustrating step to try to contact Chase to get the account information so that I could use the card, advertised on XXXX, to book a XXXX flight. Try to find a customer contact number on the Chase site!!! I understand you hate customers and dont want to take their calls but there are times when it is necessary for real time assistance. When I finally did get a phone contact number, the agent said that I would have to wait the 7-10 days to use the card. Gee, Im sure that the seat would still be available on the flight to XXXX..NOT!!! So I asked to talk with a supervisor. XXXX said the agent was right. He offered to expedite the card but it would not be useful for this charge. I asked to cancel the card and remove the hit I would take on my FICO score, being that I would not have opened a card account that was useless to me. He said he couldnt negate the FICO hit. He said I would still have the benefits of the card. I said no, I wouldnt. I wouldnt get a free checked bag because I couldnt use it to make the reservation I wouldnt get priority boarding, I wouldn't have the travel charges to put towards the {$2000.00} to qualify for the XXXX XXXX miles they misleadingly advertised on the XXXX Website | ||||||
| 01/30/2022 | Yes |
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| Chase Bank did a severelypoor job in the loan process, relying on hearsay, rather than legal documentation, putting me, the consumer, at severe risk of not closing my home on time. In XX/XX/XXXX, I entered into contract for a new home to be completed later in the year. I am informed by thebuilder that this is a CONDO and requires CONDO approval, if I choose to use an outside lender. I called XXXX XXXX, XXXX ID XXXX, in XX/XX/XXXX to discuss securing a loan for a newly developed CONDO project. I tell him that builder has told me XXXX approval is required, and can Chase obtain it? He says yes. On XX/XX/XXXX, he emails me a link to apply for financing. On XX/XX/XXXX, a rep from Chase reached out to the builder to confirminformation over the phone. On XX/XX/XXXX, my builder sends an email to Chase to confirmCONDO approval is needed. No one from Chase responds. I submit all the document required, including the purchase agreement that lists the property type as CONDO on the first page, and receive a conditional letter of approval on XX/XX/XXXX. On XX/XX/XXXX, I recieve a closing letter from my builder stating that i need to close escrow the week of XX/XX/XXXX. The close letter also states that documents must be delivered to title 7 days in advance of the close date. I follow up with Chase regarding CONDO approval on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I receive an email from Chase Bank that " all XXXX project approval conditions have been cleared. '' For some reason, rather than sending documents to title 7 days before close, the appraiser comes to look at the property on XX/XX/XXXX. This is very late, and I know that because theLoan Assistant said she didn't know why my appraisal hadn't been ordered yet, and she had to copy her manager to get theappraisal ordered. I receive an email from Chase on XX/XX/XXXX that the " XXXX XXXX XXXX XXXX is involved to help expedite the report and get sooner than XXXX. Appraisals are independent contractor and we do not have control over their turn times but we are doing everything we can to expedite this. '' The appraiser later that week provides a report to confirm the property type is a CONDO. On XX/XX/XXXX, I receive a call from my builder. Someone from Chase has called her to confirm whether this property is a CONDO. Apparently, " they missed it '' and did not obtain CONDO approval. On XX/XX/XXXX, I am told by Chase that the approval was based on incorrect information provided to the Chase team by my builder on XX/XX/XXXX. On the phone on XX/XX/XXXX, the loan adviser admitted that they changed the property type to Townhome based on a phone conversation with the builder. He says that the builder is making this very difficult for them and doesn't want this loan to process. I asked why the appraisal was done so late, and he responded that the building wasn't finished. I told him that I provided a close later weeks earlier. On XX/XX/XXXX, the date of close, instead of picking up my keys to the house, I am wondering if I will even get this house I have been waiting nearly 1 year for. Chase informs me they are expediting the approval process but have to redo the entire loan, since it was processed as a TOWNHOME instead of a CONDO. AlthoughChase was able to obtain condo approval that week, it put me under a SEVERE amount of stress for which I have had to subsequently receive XXXX XXXX XXXX. Also, it put the timeline for closing on a virtual tightrope, one misstep and it would burst into flames. Because the timeline was so impacted, it resulted in another giant error on your end that greatly affected me, which I will be writing about in separate complaint. As far as I know, only drug deals and other illegal substances, weapons, and other narcotics are processed via hearsay and then need to be verified when someone actually looks at the goods. This is absolutely an unacceptable lending practice that puts the consumer at an extreme disadvantage for obtaining a loan. | ||||||
| 01/10/2019 | Yes |
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Web | Servicemember |
| I went to XXXX with my kids to get diapers and a few necessities, I called chase before hand and let them know I was going to be writing a check for around $ XXXX- {$150.00} which is an abnormal large payment for me so I wanted to let them know I authorized it. So I go get the stuff and go to check out the total came to {$130.00} and some change so I write a check and give the clerk my check and my ID he checks it verifies and runs it. Its declined so I called the chase and asked if they denied the check they said no everything verifies on our end so I conference in XXXX and they research it and said it was declined because im not in their system yet not for bad checks or not enough funds to cover the check. So they take my info and put me in their system and put an approval in for that amount and tell me to write another check and run it again. The XXXX manager came over and said that because it was declined they are not going to run it again. I had him speak with chase and XXXX verifying it was approved. So then the manager said that he needed more identification because my last name on my check didnt match the last name on my check ( I got married and am changing my last name over ) so I said ok I pulled out my student picture ID, and my debit card matching the check the manager said he needed my pin to verify my identity I said ok and gave it to him. He spoke to chase again read off my card number and pin and verified and while I tried to calm my melting down tired XXXX XXXX XXXX kids he then said ok and gave me my card back. He then tried to run this check and " accidentally '' entered in the wrong amount and ran it twice so it was declined again I called chase and XXXX back and chase verified everything was good on their end but XXXX said because there were so many attempts they couldnt approve another check till their systems reset in a week .... so i said ok and said Ill just transfer some money over and pay with my card. The manager informed me that because my checks were declined they had to run my card for 3 times the amount to ensure itll clear. I said no absolutely not thats ridiculous the checks were declined for their error not mine and honestly I had been standing there for over 2 hours and my XXXX XXXX kids were done. So I gathered up my kids and left the stuff there and left. Well i got home and had a bad feeling so I put a stop payment on the checks just in case. The next morning I wake up to a {$530.00} charge to XXXX on my account. Immediately called chase and explained what happened and disputed the charge. They said ok issued a credit and said they would research it. Well a few weeks later I get a letter from chase stating they were done investigating and they decided that the transaction was not fraudulent and was accurate and they were going to be reversing the credit and withdrawing the funds from my account. I called them immediate stating i wanted to appeal their decision and that I didn't authorize any transaction. They said because my card and pin were used unless i have a receipt showing the cancelled transaction they couldn't do anything. I stated there was no receipt because I never even swiped my card! So theres no cancellation no nothing. They said theres nothing they can do. I said thats insane I didnt run my card and the total was only for {$130.00} why was {$530.00} run!!!! Plus look at the history of my account i have never spent that much at XXXX ever or any store for that matter. They got me a senior manager i explained to him and he stated the same thing because i don't have a reciept for the cancelation for a transaction I never did they couldn't reverse the decision. So they withdrew the {$530.00} back out of my account. I have called back and appealed it with the police report number and documentation of my identity and banking theft and fraud and requested that they change their decision and refund the money. They havent responded or made any action towards making this right at all | ||||||
| 12/19/2021 | Yes |
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Web | Servicemember |
| Summary : I guess Chase is just pretending that they didnt freeze my business funds for approximately two weeks without prior notice while I was on a business trip to find rental properties in Texas . Chase provided no solutions other than for me to wait for an unknown future date to get access to the money due to an XXXX software issue. I had to pass on opportunities due to not having any money as well as use my personal funds to pay for expenses. It is unacceptable for them to freeze approximately {$200000.00} with no notice, provide no assistance, and prevent me from operating my business. Details : I opened the account on XX/XX/2021, and provided Chase all the required information listed from their online list. I was told the account was opened successfully and needed to fund the account in ten days. Therefore, I transferred the {$200000.00} to fund the account. I then received a mailed letter dated XX/XX/2021 to provide additional information. On XX/XX/2021, I provided the additional information. I emphasized I was heading to Texas to purchase the rental property and did not want any issues with the money. I was assured I would be alright and the banker even had a new credit card issued so it would arrive before my departure. Great! On XX/XX/2021, the personal banker telephoned that my business account had been frozen, because I needed to provide social security card. He had not been given prior notice either. I would not be able to access any money until I brought in my social security card. I had to pay for the second hotel and other expenses with my personal funds. Many apologies from the personal banker, but no answers of why Chase froze funds with no prior notice and to do it after I provide them with all requested documents. XX/XX/2021, I provide my social security card, but the funds were not made available. On XX/XX/2021, I was then told I needed to provide a copy of a bill with address, which I provided. The funds were still not made available and I was told the XXXX department was no longer taking phone calls and correspondence had to be done via email. Know your customer ( XXXX ) was the department that seized my money with no notice. The personal banker said these other requirements were being told to them after the freeze of funds by XXXX. The additional documents were not written or known to even them. I was informed I was among many new small business owners nationally affected by an XXXX software issue. My money was not seized due to a government warrant or due to illegal activity. The fastest way to getting my funds were to provide the documents, which is what I did. I asked for a letter that stated when Chase froze my account, why no prior notice, why even freeze when I had been to the bank to take care of their requests, why they declined any assistance to keep me operational, and an official apology. I was told by the banker that my account was sent to escalations. XX/XX/2021, I spoke with escalation specialist, XXXX. I asked if Chase would provide temporary funds while they worked out the issues. She said no. I asked what solutions they had for us business owners. She said I just had to wait. I asked to speak to a manager as no solution ( s ) was not acceptable. To add insult to injury, XXXX then told me she had to hang up because she had other things to do. So disrespectful and the companies noncaring attitude. I was not even on the phone call for 6 minutes. To date I have received nothing ( no letter ) and it is safe to say there is no intent for them to do so. I wired Chase {$200000.00} and then to be shut off from it at no fault of my own caused incredible hardship. I spent 11 years saving and waiting for the moment to start my company. I never thought my barrier to entry would be my own bank that I trusted to look out for me. Chase should never be able to freeze legal accounts and then provide no answers to those affected. They literally just threw their hands in the air and said wait it out. | ||||||
| 05/06/2019 | Yes |
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| I Misplaced my wallet on XX/XX/19 ( I found it in my couch ). This credit card in question was put up for emergency use. We used it once at XXXX XXXX on XX/XX/19 for {$28.00}. there is a charge for {$370.00} at the XXXX ohio XXXX, which we haven't shopped at for over a year now, I do not recollect using this card or shopping there this year. ( we shop at the one in XXXX WV since we live in XXXX ohio ). We used this card at the XXXX XXXX XXXX to pick up some candy and toys for the kids, We were on our way back from our " fancy dinner '' in XXXX. The same day there is a charge for {$0.00} that we DID NOT make. You'll notice this amount recurring, sometimes twice a day for over a month. I found my wallet the next morning on XX/XX/19 and I placed the card back up for emergency use, and never looked at the statements since its " auto pay ''. Every couple months I routinely check my cards to verify activity and balances. XX/XX/2019 Payment Thank You - Web {$25.00} See details about this transaction XX/XX/2019 XXXX # XXXX Groceries {$52.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$4.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$3.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$4.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$15.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$1.00} See details about this transaction ( fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$17.00} See details about this transaction ( Again, I Did not make this charge, fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$0.00} See details about this transaction ( We did not drive 15 miles to spent XXXX cents at this store, the card has been in my bathroom lockbox a few days after i found my wallet, fraudulent ) XX/XX/2019 AUTOMATIC PAYMENT - THANK {$25.00} See details about this transaction XX/XX/2019 XXXX XXXX Shopping {$4.00} See details about this transaction ( We did not drive 15 miles to spend {$4.00} at this dollar tree, fraudulent ) XX/XX/2019 XXXX # XXXX Groceries {$53.00} See details about this transaction ( I guess this is a partial refund? ) XX/XX/2019 XXXX XXXX XXXX Gas {$7.00} See details about this transaction ( I haven't been to this speedway in years ) XX/XX/2019 XXXX XXXX # XXXX Groceries {$370.00} See details about this transaction ( I do Not Believe This is ours, The last time we shopped here was to purchase my sons bicycle for Christmas since the other stores were out of stock probably fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$0.00} See details about this transaction ( This was not us, fraudulent ) XX/XX/2019 XXXX XXXX Shopping {$28.00} See details about this transaction ( First purchase with this card ) I have called CHASE 3-4 times now, the first time they person said they could not access my account, and would have someone call me in 24-48 hours ( it was sunday ). I never received this call, and I called back 2-3 more times and each time i was told one particular person was on the case, so they were locked out. Still no contact at this point. I sent emails, and " secure messages '' via the website. All i hear back is, we will look into it and contact you back. they haven't even asked WHICH CHARGES ARE FRAUDULENT!!! i have been dealing with this for over four weeks, with no contact back from CHASE WHATSOEVER. They actually posted on my credit profile for this card under " remarks '' that these Charges are accurate and not to remove them ( Because after 3 weeks of no contact I Threatened to not pay this balance and report it as fraudulent ( You know, the fraudulent part they refuse to help with ). Still no contact, Still no questions, No help. I have never had my identity, or card information ever stolen, And now I fear, And sometimes Even panic at the thought that if this had been a card with a higher limit, how bad that would be. | ||||||
| 06/15/2017 | Yes |
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Web | Older American, Servicemember |
| In early XXXX Chase kept sending me a bill for a credit card fee in the mail for a Marriott credit card I did n't want and which I had cancelled a year before. I did n't realize that the new card they sent me a year later was for a card which I had canceled the year before. I had canceled it because they said I did n't qualify for their bonus points. So because I did n't know why I was getting a card, they said that if I had n't applied for it then someone else must have. Little did I know it was Chase bank who was the one responsible for sending it. They said that they could n't cancel this new card and waive this new annual fee. Since they said I did n't apply for it, I was sent to the fraud department. So I spoke to their fraud department and asked them to cancel it. Soon I get another bill with not only a annual fee but and an interest charge. I called back and again I was sent to their fraud department. Chase still had refused to cancel this Marriott card which I had canceled the year before and on which I had never made a charge. I had to speak to their fraud department for 45 minutes. The next month I called back. They told me that it still shows on my account but not to worry about it because it just shows internally. The gal on the phone went back and forth with her trainer for an hour. It was as though they were using me to train their employees. She said next month it should be off their records and gave me her number to call back. Then in XX/XX/XXXX I get a call from XXXX XXXX of Chase fraud department about a Chase credit card ending it XXXX . She kept calling back and leaving a message while I was gone. When I got home and called her she would n't tell my why she was instructed to call me other than it was Chase 's policy to call about cards like this one ending in XXXX . My credit rating excellent and asked her what protection do I have against being called on an old card. I then asked her how old this card was. She explained that it was closed in XXXX . That was 10 years before. I asked her what possible reason would Chase continue to call on a card that was closed 10 years ago? She just referred to the recent Marriott card as the reason and would n't explain why she called other than that was their customer policy. I asked her what possible reason would Chase be concerned about a credit card that had n't been used and closed in XXXX and on which they had never lost money. The only reason I could see was to harass a customer. She would only refer to the fact that I had dealt with the fraud department on a Marriott card recently and that she had to followup on a prior card. Chase never lost any money on this card or any other card of mine. They have proven to me to be a deliberate menace. All the time I 'm talking to her she 's condescendingly repeating her utterance in the background. I told her I would be reporting this conversation to the appropriate government agency. The real sad part was at the end of the conversation I asked her if she had made a mistake in calling me. She said no. She was following Chase 's policy. So there is no protection for customers against Chase 's abusive policy. Here is my best attempt at the exact wording of the call from XXXX XXXX who would not give me what city she was calling from other than to say in Illinois outside of XXXX . Hello this message is for XXXX [ and then mispronouncing my last name ] This is XXXX calling from Chase card services fraud operations in reference to a Chase Freedom card ending in XXXX I 'm calling to discuss some information regarding this account with you You may call me back at XXXX extension XXXX at your earliest convenience My hours of operations are XXXX to XXXX on central time If you are unable to reach me please leave me a message with the best time to reach you and the best number to reach you at. [ Then she repeats her number ] | ||||||
| 08/09/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, I used my Chase Debit card, to order tickets from an XXXX XXXX airline travel agency. During the transaction for {$1100.00} dollars from my chase checking account using my debit card. The problem was after the purchase I was never able to log into XXXX or the mobile app using the confirmation number I was given from XXXX I got an error message saying that number did not exist. My fight was the next day so otw to the airport I tried again, and same thing! I called XXXX, manger who assured me I would be able to log in, I then tried calling the rep that sold me the tickets, no answer after multiple calls, and sent an email. The kiosk at airport for XXXX I had the same message, and spoke with a XXXX rep. I missed my flight and was stranded at airport with my XXXX little sons. With no tickets or any promise of getting to the bottom of this. Otw to my vehicle from airport terminal I called chase claims, explained, EXACTLY what happened with a claims rep, stating that the confirmation number would I was given would not let me log into to even get my boarding passes/tickets. I then wanted a claim put in so I could be issued a temporary credit. Chase comely botched that claim, and got completely lied to and made look stupid because XXXX said the tickets were non refundable! Chase closed the claim within hours of me opening it, did no investigating and listened to XXXX, closed the claim. Then month later I put another one for fraud after Chase fraud services had confirmed XXXX tickets whens back into my account and tried to charge card again! I was issued a temporary credit but it was reversed a month later, for mo reason! XXXX tickets lied and said the tickets were purchased from me, and they were non refundable through airline. I then called XXXX and they told me since I never actually checked in, XXXX actually sent the money back to XXXX and the tickets were open! It was up to the ticket agency to close it to iniate refund. I also discovered that XXXX changed the card from my debit card to a merchant company card. I found this out because, XXXX was going to refund me personally and the last 4 of card were not mine! XXXX agent told me that is completely fraudulent for them to do that. So not only is XXXX refusing to close the tickets, but the double billed, so I can not receive a refund directly. I have submitted screenshots to Chase about this, along with countless emails of XXXX rep lying about not being able to close out the tickets. Chase said they attempted twice to recover this, even though they did not attempt anything. They believed XXXX tickets lie about the tickets not being refundable when the money is already been sent back! Chase refuses to look at the evidence, after two different branch mangers from local chase banks faxed them in. The claims reps, exalations managers, have been rude, disrespectful, not willing to help me! I have been a loyal chase customer for almost 15 years and are not willing to fight for a customer of theirs. They have refuse to issue me a temporary credit and investigate when their is mountains of evidence in my favor, and nothing I said to the claim reps were actually annotated in the notes! Ive wasted 5 months on this and still have almost XXXX dollars out of my account! I refuse to put cover that money, I have had fraudulently taken. On top of that I have almost XXXX XXXX XXXX dollars in overdraft fees that would be reversed if chase claims did their job and reversed this claim. I am also at risk of my account being closed because I have not used it in over 60 days. I opened this account 15 years ago because Im a service connected veteran that one of my several direct deposits I use chase account for is my government allotments I receive for service connection XXXX. I have a lawyer that wants to put chase in lawsuit against XXXX tickets. This is completely unacceptable, unprofessional, and down right disappointing that a huge entity like JP Morgan Chase treats a loyal customer! | ||||||
| 12/08/2021 | Yes |
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| I submitted two checked from the State of Colorado for bond money ( both {$750.00} ) into my Chase account on the XXXX of XXXXXXXX. For weeks, they said that they need the checks to bounce and then I would be given access back to my account because it was past the 90 days when the check was issued. I didnt notice the 90day mark. I picked it up from my XXXX XXXX after my incarceration and deposited into my account via mobile banking. They kept egging me on up until XX/XX/XXXX, when a customer service representative told me that the account would be terminated, that Chase would no longer continue a relationship with me and that I would have to go find another bank to do business with. After 15 years of banking with Chase. I expedited the issue with another representative and managed to get them to keep my account open, and I was told that my account would be reopened and ready to be in full use again in the next 24 hours, no later than XXXX on XXXXXX/XX/XXXX. In the middle of the day, I submitted another JUST ISSUED CHECK IN MY NAME BY MY ATTORNEYS OFFICE XXXX XXXX ( top attorney of XXXX XXXX XXXX who works for celebrities and XXXX XXXX players ). This check was for about {$4900.00} from my XXXX for a motor vehicle accident I was in. Upon waking up this morning, I attempted to use my Chase card via XXXX XXXX at a local store and the card was denied. When calling Chase again, they AGAIN TOLD ME THAT MY ACCOUNT WAS STILL ON HOLD, after I had recorded them myself, stating that my account would be reopened and all blocks removed after the 24 hours. I already submitted my new check to Chase Bank, and when I got ahold of the representative, he didnt give a XXXX in the world that I have been without my XXXX XXXX banking account since XX/XX/XXXX, and today is XX/XX/XXXX. I have been lied to. Deceived. Bait and switched on results that were supposed to occur towards my account, transactions, deposits, cash availability, debit card and account usage, and Chase Bank fixing the issues on their end, before making up lies and leading me on and telling me that I would be having access to my account in a matter of time that they told me would be happening in. I intentionally recorded their calls with me regarding this matter, as in Colorado, its not illegal to record conversations as long as one party is aware of the conversation being recorded. I am currently on hold for the last hour, as Ive been waiting to speak to a supervisor regarding this issue and I have the entire waiting period on hold recorded as well. Chase Bank has proven itself to be dishonest, negligent, deceitful in their words, extremely vague in their ultimatums and punishing me for making check deposits into my account, 2 of which again came directly from the State of Colorado, and one of them coming from the highest most prestigious law firm here in the XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXXfter being incarcerated and needing access to my bank accounts, I needed to immediately have access to them for payments to keep my credit score intact, to be able to pay bills, living expenses and holiday wants/needs. Chase Bank continues to deliberately keep lying and making up misinformation with every phone call I make with them, and they continue to gamble my ability to have any access to my funds, and I have absolutely no idea when Im supposed to be able to gain access to anything now, as they keep changing their story on me, and as of now, I feel as if Chase Bank has stolen my most recent {$4900.00} check deposit, and nobody seems to want to talk to me or give me straight answers or help me with this issue that they created. Its been over two weeks now since the expired checks were submitted into my account. I have been promised NUMEROUS THINGS, NUMEROUS TIMES ON NUMEROUS DIFFERENT PHONE CALLS REGARDING THIS ISSUE, and Chase Bank representatives keep on lying to me and deceiving me, and not allowing me to have ANY ACCESS TO ANY OF MY FUNDS IN A TIME OF NEED AND DESPERATION. | ||||||
| 12/12/2023 | Yes |
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| Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a serious issue involving JPMorgan Chase & Co. , which has raised significant concerns related to potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, Financial Industry Regulatory Authority ( FINRA ) regulations, and allegations of securities fraud. Commission file number XXXX Delaware ( State or other jurisdiction of incorporation or organization ) XXXX XXXX XXXX , XXXX XXXX , New York ( Address of principal executive offices ) XXXX ( I.R.S. employer identification no. ) XXXX ( Zip Code ) Registrants telephone number, including area code : ( XXXX ) XXXX The details of my complaint are as follows : Payment Instruments Submitted : On XX/XX/2023, and XX/XX/2023, I sent two separate negotiable instruments for payment to JPMorgan Chase & Co. in full compliance with legal tender guidelines. Both instruments were restrictively endorsed to the company, accompanied by specific processing instructions as prescribed by 31 CFR 328.5-6. These instruments were sent via registered mail with tracking numbers XXXX and XXXX. Company 's Response and Actions : Regrettably, JPMorgan Chase & Co. has neither applied the payments to the account nor returned the negotiable instruments, both of which are mandated by law. In addition, despite my attempts to address this matter, the company has continued to contact me for payment, which is both unwarranted and unsettling. Adverse Action on Consumer Credit : Adding to my concerns, JPMorgan Chase & Co. has taken adverse action against my consumer credit, which, to the best of my knowledge of applicable laws and regulations, they may not have the authority to do. UCC Title 3 Violation : In accordance with the Uniform Commercial Code, Title 3, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered discharged, and my consumer credit should have been updated to reflect " paid as agreed. '' Allegations of Securities Fraud : I strongly suspect that JPMorgan Chase & Co. may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws. The company has a published XXXX annual filing and indenture agreement that both describe securities how they are sold and the rights to holders of the note. Given the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined. Despite my attempts to communicate with JPMorgan Chase & Co. and my requests for the application of payment or the return of the instruments, the company has not responded or addressed this matter as of the date of this complaint. I respectfully request that the CFPB initiates a comprehensive investigation into this matter involving JPMorgan Chase & Co. to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter. Thank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights. Sincerely, XXXX XXXX XXXX | ||||||
| 04/25/2019 | Yes |
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Web | Older American |
| XXXX XXXX versus Chase Bank XXXX XXXX Attn : XXXX XXXX CEO of JP Morgan Chase Bank XXXX XXXX XXXX., # XXXX XXXX XXXX, New York XXXX Phone : XXXX Fax : XXXX Issue # 1 On XX/XX/XXXX, there was a fraudulent {$1000.00} ATM withdrawal from my account. I had not made that withdrawal, but Chase Bank consistently refused to view the ATM video. That video might show that a Chase employee made the withdrawal something that Chase Bank chooses not to admit. On XX/XX/XXXX, my account balance should have been increased from {$960.00} to {$1900.00} Issue # 2 Later, the {$960.00} balance shown on a withdrawal receipt was reduced, by Chase, to less than zero. This additional Chase Bank fraud made it difficult for me to pay my bills. ~ Chase has the responsibility to restore, to my account, the {$1000.00} and the {$960.00} that it fraudulently withdrew. To prove bank fraud, I filed a police report to legalize viewing the abovementioned ATM video. The case number isXXXX and deals with ID theft and fraud. XXXX XXXX police officer XXXX XXXX and the detective department have the case information. Their telephone numbers areXXXX and XXXX. XXXX XXXX and XXXX XXXX, two Chase bankers, also are aware of the problem, but they refused to view the Chase Bank video the likely incriminating video. To ignore the facts, one Chase banker even refused to read this page. Numerous talks with other Chase staff include XXXX XXXX ( XXXX ) and XXXX at the Customer Protection Group ( XXXX ). On XX/XX/XXXX, after my interrogating XXXX by phone, she admitted that Chase Bank did refuse to view the ATM video. After asking her to simply say yes or no to whether or not Chase could legally view the video, XXXX resistantly answered Yes. As an end to our conversation, XXXX offered a {$500.00} settlement a settlement which I refused. I said that, instead, I want the full amount that Chase Bank owes. Why would Chase Bank offer to settle if there were no valid reason to settle? In effect, Chase Bank seems to have admitted guilt. Issue 3 Due to the aforementioned ATM problem, I have largely avoided making ATM withdrawals. Currently, to be safer, I mainly use Chase Bank tellers. Nevertheless, Chase attributes the following ATM withdrawals to me : XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$60.00} The result is a {$370.00} decreased bank balance Was it I who made those withdrawals, or not. Viewing ATM videos would give the true answer an answer that might incriminate Chase. It might show that a Chase Bank employee stole {$1000.00} + {$960.00} + {$370.00} for a {$2300.00} total. The problem continues My XX/XX/XXXX withdrawal receipt showed a {$1100.00} balance. However, after a XX/XX/XXXX {$40.00} withdrawal, the balance should have become {$1000.00}, but became {$1000.00} instead. This is {$60.00} less than I expected, and was this {$60.00} stolen by Chase? If so, the banks theft is now {$2300.00} + {$60.00} = {$2300.00} ~ On XX/XX/XXXX, I spoke over the phone with XXXX of the Chase Bank corporate office. As with the local bank office, she refused to have the aforementioned ATM videos reviewed. Therefore, I asked XXXX XXXX Detective XXXX ( XXXX ) to investigate the bank-theft issue, but he too refused. He mentioned that the police and Chase Bank have a working relationship, and he apparently felt that such an investigation could hinder that relationship. Issue # 4 By my storage facility, I was charged a {$60.00} penalty. I had arranged that Chase Bank pay my monthly storage fee and deduct the amount from my account. However, for the last three months, Chase had failed to make that storage payment which resulted in the penalty fee. Due to the ATM fiasco, which was caused by Chase Bank, I received a new credit card which the bank failed to use to pay the storage bill. Due to the abovementioned {$60.00} penalty Chase Bank now owes to me {$2400.00} ~~~~~~~~~~ | ||||||
| 12/01/2018 | Yes |
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| I am a long time customer of Chase both for my mortgage and several credit cards. I decided to pay off my mortgage at the end of XXXX and went into a Chase branch located at XXXX XXXX XXXX in XXXX, IL on XX/XX/18 to obtain the pay off amount and write a check, which I did at approximately XXXX. I also enquirered about ensuring that they would not try to obtain the next payment of {$790.00} due on XX/XX/XXXX because I had previously closed the account where the recurring ACH was bring pulled. The representive at the branch told me that they would not attempt to debit my account since I was paying off the mortgage before the XXXX payment was due and that I would receive a refund for the balance of the escrow that remained in my account. On approximately XX/XX/18 I received a check from Chase in the amount of {$2000.00} which I believed to be the refund of my escrow balance. I did not deposit this check until XX/XX/18 into my XXXX checking account. On or about XX/XX/18 I received another check from Chase in the amount of {$1200.00}. I found this a bit unusual, so I figured after the XXXX XXXX I would enquirer as to why I had received two checks. Today, XX/XX/18 I sat down to pay bills, review my accounts and to call Chase regarding the second check. However, what I noticed was that my XXXX checking account balance showed the check from Chase which I deposited on XX/XX/18 had been rejected and that XXXX had charged me a rejected check fee of {$15.00}. I immediately called Chase to try to understand why the original check was rejected and why they sent me a second check. The representative I spoke with at Chase, XXXX, informed me that the first check that was sent to me in the amount of {$2000.00} included both the escrow owed to me in the amount of {$1200.00} and the amount of XXXX payment {$790.00}. Apparently, even though I paid off my mortgage on XX/XX/18, somehow Chase thought they should still be debiting my bank account for {$790.00} and even though the account was closed and they could not debit it, they made the decision to include that amount as part of my refund in the check they issued on XX/XX/18, which was 4 days after they tried to debit my bank account on XX/XX/18. I simply asked Chase to refund me the amount of the reject check fee that XXXX has charged me in the amount of {$15.00}. Chase is refusing to refund the {$15.00}, even though they should have never included the additional {$790.00} in the first check they sent me on XX/XX/18 because not only did I pay off the entire mortgage on XX/XX/18 but they also never received the {$790.00} from my bank when they attempted to ACH that amount on XX/XX/18, yet included it in the check. I should also add that I have never made a late payment to Chase or any other financial institution in my entire life. All I want is for Chase to cover the {$15.00} rejected check fee and to change their process going forward. I sincerely doubt I am the only person who has incurred this type of fee due to Chases flawed process. I also think they need to perform a look back to determine if other customers were harmed in the same fashion and remediate any other customers harmed by the process. Furthermore, Chase has both my cell phone number and my email which they have used to reach out to me on other occasions, yet in this situation they could have contacted me before XX/XX/18 when I actually deposited the first check to let me know of the error so that I could have avoided a rejected check fee but they chose not to cdebit tact me by phone or email. Clearly, they were aware something went wrong before XX/XX/18 since they sent me another check dated XX/XX/18 in the amount of {$1200.00} which did not include the {$790.00} XXXX mortgage payment. I firmly believe Chase should be responsible for the {$15.00} rejected check fee I have incurred and that Chase should be required to determine if other customers were also harmed by this process and refund those customers as well. | ||||||
| 08/10/2023 | Yes |
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| I sent the following information to Chase. Chase is delaying release of our wire transfer for three days without proper cause. To Chase Bank : This is to demand immediate release of my wire transfer of multiple seven figures which came from XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The XXXX, the sending bank sent this wire on XX/XX/2023 ( before the wire cut off time ) and informed me that the funds would reach my count the same day. See attached Advice of Debit. As noted in the Advice of Debit, the funds are from the sale of my house. My wife, XXXX XXXX, and I had planned to immediately deposit this money into high yield interest bearing accounts ( 4.6 % -5 % ) to earn interest on the principle. As of today, Day 3 since the wire was sent by XXXX, due to Chases negligent or reckless failure to release the fund, we have incurred a loss in earning interest which could be over thousand dollars as of this writing. On XX/XX/XXXX. 2023, at about XXXX XXXX, noting the funds were not credited in the account, XXXX ( joint account holder ) called Chase and learned that Chase had sent additional verification request for information XXXX and was waiting for XXXX XXXX respond before releasing the funds. ( She first spoke to an agent named XXXX who confirmed to her that he could see a pending incoming wire from XXXX into the account. He then transferred the call to Wire Research Dept ( WRD ) and she spoke to an agent named XXXX. ) After learning Chase was waiting to receive the information from XXXX, she immediately contacted our escrow officer, XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX had authorized the wire via XXXX to our account at Chase. XXXX stated that she had received a service request for information from Chase earlier in the morning and that she had sent in all of the verifying information to XXXX and XXXX had transmitted the same info to Chase. She assured me that there would be no problem for Chase to release the funds shortly as all information had been promptly confirmed and verified by her and XXXX. MY wife and I then contacted our local Private Banking branch in XXXX XXXX, California, and spoke to a Relations banker, XXXX. He called us back and told us that he was told by Chase XXXX that they were STILL waiting for the information that XXXX previously confirmed the authenticity of the wire transfer. We called XXXX XXXX back and told her Chase claims that they were still waiting for XXXX to respond. After an hour long five-way conference call between my wife, XXXX XXXX, XXXX, XXXX of Chase, and XXXX of Chase XXXX. During this call, XXXX RESUBMITTED the verifying information to Chase and XXXX stated that she would escalate release of the funds. My wife informed her that we unless we have the funds by XXXX XXXX same day, we would hold Chase responsible for the lost interest payment and XXXX XXXX us all conversation was being recorded which my wife agreed to. Today is Day 3, and as of this writing Chase has FAILED to release our funds which should have been released on XX/XX/2023, if not at the latest the morning of XX/XX/XXXX. My wife called Chase WRTD ( XXXX ) again this morning at XXXX XXXX, spoke to a rep named XXXX who stated that she was seeing the requested information from XXXX in the system but now Fraud Dept was handling this wire before it can be release. This is outrageous. Chase is not only delaying our money at our expense, and has no proper or legal grounds to delay the release the funds at this point. I demand IMMEDIATE release of the full amount into my account. If Chase fails to do so, I will immediately file a complaint with CFPB to investigate this unacceptable practice by Chase and its failure to release my money. At this point, you have absolutely no reason or legal ground to delay this and cause loss in income for my family. I hereby also demand prorated interest at 5 % annum from XX/XX/XXXX for payment for claims for lost interest and other lost opportunity based on the principle amount in issue. | ||||||
| 03/07/2022 | Yes |
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| My name is XXXX XXXX. I've been banking with Chase bank for 12 years, since XXXX. On XX/XX/XXXX, XXXX, I got a text from XXXX ( XXXX ) XXXX about an unauthorized transaction from Chase Bank XXXX It said : JP MORGAN CHASE BANKING : Did you try to use your card ending in XXXX for {$240.00} at XXXX SMOKE XXXX XXXX XXXX XXXX ' on XXXX? Reply YES or NO. I replied No. Their response was : Glad that wasnt you! The transaction was declined, a representative may contact you momentarily. At XXXX, less than a minute later, they called me from the number XXXX ( XXXX ) XXXX, which is the customer service number on the back of my card. The person claiming to be a Chase representative called me and asked for my full name. They then confirmed my address with me. Afterwards, they said that they will issue a new card in the mail to that address in 3-5 business days. In the mean time, they said my card will still be usable, just with some limitations, like confirming my identity every time I use the card. They then said that there was another pending transaction of {$2000.00} on top of the {$240.00}, in Maryland, which hadn't showed up yet in my account because it was still processing. They said that if we act quickly, they can reroute the transfer back to my accounts using XXXX. They asked me to set up a new XXXX XXXX labeled under my own name, linking to the email XXXX, under the name XXXX. I asked them to confirm that they are Chase bank, and the person said that their employee ID was id XXXX, their name was XXXX XXXX. They told me that they understood my caution and told me to check that the caller ID was the same as the number on the back of my credit card. It was the same, and since I was told it was time sensitive and I was under pressure and a state of panic, I sent the amount {$2000.00} to the given email. Afterwards, they tried to stall me by saying they're still generating a case number, and that's when I started getting suspicious and hung up immediately and immediately after, at XXXX, I called Chase Bank to report the fraud for investigation, recovery of the money/refund and start a dispute. They told me that since XXXX is an independent entity, they can not reverse a charge and that needs to happen from the recipient 's bank. They said that they will not be able to issue a refund for the lost cash, and they can not guarantee that I will recover my money, but that they will open an investigation into the case through XXXX and hopefully the partner bank will cancel the transaction or freeze the fraudulent/scam account. I asked if this was happening often and the dispute claims department representative said yes, and that some people were able to recover their money. I checked in again XX/XX/XXXX, to see how the progress was. They said the investigation was still ongoing, and to call again XX/XX/XXXX. They told me that they will contact me if they need more details for the investigation. I called XXXX to file a report with them as well, and gave them all the details I could regarding the incident. They told me to use XXXX like cash and only send to family and friends. I have not once been informed about this before. I did not get any warning or advice about this from Chase or XXXX, even though there is evidence of this happening as far back as XXXX of Last year according to several articles reporting on similar incidents. ( Links to related articles below ) RELATED ARTICLES : https : XXXX https : XXXX https : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX I've attached all relevant screenshots and images. You can see in the call records on my phone, that the same number that called me ( the fraudulent Chase Bank Reps ) incoming call and my outgoing call to Chase Customer Service is the recorded as the same number. That is all the information I think would help to provide right now, but I am happy try to help more if needed. Thank you so much for your time. | ||||||
| 08/25/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023, the HR department of my new employer informed me that the direct deposit of my preferred banking institution would not go through and that I would get a paper check instead dated for the XXXX of XXXX. This was problematic as I was going to be traveling internationally and would not be able to do anything with it. To that end, I found out what bank the paper check would be drawn against ( JP Morgan Chase ) and called and spoke to a representative and inquired with them that if I opened a a bank account with them and then deposited the check via mobile deposit, if I would have any issues. They responded " Not at all, in fact since the funds are drawn against a JP Morgan Chase account, you will probably have access if not all immediately, but at least partially in a few days. At that point, you wont have your debit card but you will have the ability to link your external bank accounts or XXXX to your other accounts. '' This turned out to be a lie. I opened the account online, took receipt of the paper check and mobile deposited it on the XXXX of XXXX in the amount of {$3500.00}. Within a day, I accessed the app again and it stated that the entire check was being held for 10 days for reasons unspecified so I was unable to do anything with the account, despite my calling and speaking to another rep who blamed it on federal guidelines ; but that is NOT what the federal guidelines say at all about initial deposits which was already clearly in violation of the Expedited Funds Availability Act. Regardless, on XX/XX/2023, the funds finally became available. As I had still NOT received the Debit card which I had been told would arrive XXXX days prior ( Turns out they never sent it ), I attempted to XXXX myself like the rep said. I did XXXX test transactions of XXXX each which seemed to work fine. On the third XXXX transaction ( which was within the daily limit of {$500.00} a day according to the Chase XXXX ), the transaction was denied. Thinking maybe there was some kind of limit after all, I tried a few different amounts... all failed. Finally, I called into Chase bank at XXXX XXXX and was informed that they considered that suspicious activity ( even though THEIR rep is the XXXX that told me that I could do that way before I even opened the account. I in fact XXXX money between my other bank accounts quite frequently as it is faster. ). I was told by the Chase rep that I just need to go into the bank to withdraw my funds. That afternoon I went into the bank to do exactly that and was THEN told that I couldn't and that I needed to call XXXX. I called this number and was not only told that my account had been closed but also that I would have NO access to my deposited funds... with no further explanation. Additionally, I was told that it would be up to XXXX business days BEFORE they would actually close the account and THEN they would mail me a certified check of the REMAINING funds minus any FEES that I owed THEM. For WHAT would I owe them?? THEY XXXX ME. I have been between jobs for overt wo months and have a LOT of bills to pay. My FIRST check I still cant access for who KNOWS how long. If I hadn't gone into the branch yesterday afternoon and found out they had closed my account and appropriated my payroll check, they would have done the same thing with my Direct Deposit that goes into that account in a week and I would have had no access to that either. Luckily I was able to stop that and will have to contend with yet ANOTHER paper check as there wasn't enough time to switch it to XXXX of my other banks being less than a week out from payday. What Chase did and has apparently been doing to people for years is criminal and totally insensitive to its supposed customers. I did NOTHING wrong and they restricted my account and have denied me access to my legally and lawfully earned funds and basically told me that I will have to wait until they get AROUND to releasing my funds to me in some open ended response. | ||||||
| 06/02/2022 | Yes |
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| First, I have been with CHASE since 198734 years! I chose XXXX because of its domestic/global presencenever hard to find a branchand its outstanding customer servicewell, that is until I did business with Mr. XXXX XXXX , client services banker at the CHASE bank XXXX XXXX XXXX XXXX in XXXX, WI. And to THIS DAY I have much anxiety and have NOT DONE ANY BUSINESS @ this XXXX XXXX XXXXall because of my experience with XXXX XXXX. On Friday, XX/XX/2021, XXXX XXXX XXXX, client services banker at the CHASE bank, XXXX XXXX, in XXXX, XXXX, denied me the ability to conduct business legally available to me. From the time of introduction to my leaving, Mr. XXXX 's actions and words showed NO interest in assisting me with my banking needs or requests. Each time I tried to conduct my banking business, I was met with condescending slights towards me, insulting statements about my intelligence, and verbal assaults against my integrity and character ( such statements as, " obviously, you are struggling with understanding the banking " process '' ; questions like, " How do I know your cashier-check is not 'fake ' or that after I verify the check is real and the funds are available, a 'stop payment ' won't be placed on it? " ). And even after I elaborated to Mr. XXXX about my banking history, he still continued to dismiss me, retorting back, " I have been at CHASE 30 years. '' And when I said that I would do my banking at my other bank, he was very comfortable with my leaving, stating, " Good luck! No bank is going to help you. Sorry, I " am following CHASE policy '' Upon leaving the Branch, I immediately contacted CHASE corporate customer service, and this is what I learned : Power-of-Attorney ( P.O.A. ) : I was using my P.O.A. status to open a checking account for my sister. Mr. XXXX claimed he could not open an account for my sister because CHASE corporate requires my sister to be physically present with proof of identification in hand. CHASE corporate response : 1. ) Mr. XXXX is wrong. Yes, I can open the account without her being present and without possessing physical documentationall that is needed is her social security number and driver 's license number ; 2. ) I can open a checking account through online banking ( which I did in about 10 minutes ) ; and, 3. ) If I wanted to have access to my sisters account ( e.g., make withdrawals, etc. ), I first must become an authorized user, which would require me to present P.O.A. documents and physical proof of MY identity ( passport or driver 's license ). And my sister did not need to go to a branch to verify her identity within 30 days of my opening the account. Cashier Checks : Mr. XXXX questioned my cashier check 's authenticity. He claimed he could not cash the cashier 's check because there was no guarantee, the funds were available. CHASE corporate response : MrXXXX XXXX is wrong again. A Cashier check is guaranteed and is one of the securest forms of payment. Note : I made several requests for Mr. XXXX to call, and he said it was not a request he would honor. Corporate let me know that my request for MrXXXX XXXX to call the issuing bank to confirm/verify my cashier check as legitimate was very reasonable and something Mr. XXXX should have done. Verification : Mr. XXXX claimed he was following CHASE protocol and methods for verifying customer and banking legitimacy. CHASE corporate response : Mr. XXXX did not follow standard protocols ; he did not check for customer history, review power-of-attorney paperwork, call the bank of the cashier check to verify that the check was not fraudulent, and most importantly did not seek assistance from the Branch Manager, who was present. Mr. XXXX actions are inexcusable and unprofessional ( especially for someone in banking for 30 years ), and he should be held accountable. Essentially, Mr. XXXX did nothing ; EXCEPT obstruct me in doing my banking ; HE denied me the ability to engage in banking activities that were within my legal rights! | ||||||
| 08/13/2017 | Yes |
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| This current situation is a common one that I have experienced between my bank ( JP Morgan Chase, routing # XXXX, checking acct # XXXX ) and other merchants. Specifically, my complaint involves the movement of funds out of and into my account whenever I use my debit card for transactions. The following example typifies the many other times I have seen this happen between my bank and a merchant : On XXXX XXXX I purchased a lighting fixture from XXXX XXXX XXXX XXXX store in XXXX, CT, for the amount of {$73.00} using my debit card. When I got home later that same evening I logged onto my Chase account via the Chase web site and checked my balance. As expected, there was a pending transaction in the amount of {$73.00} from XXXX XXXX. As I also expected, the {$73.00} was deducted from the " available '' balance of my checking account. So far, so good .... The problem I am filing a complaint about involves my return of the light fixture to XXXX 's on XXXX2017 ( yesterday ). They issued me a credit receipt ( see attached ) which indicated that the refund of the original purchase price of {$73.00} would be issued back to my debit card ending in XXXX. Yet, when I got home later that evening on the XXXX, as well as again today on the XXXX, I still do not see a pending credit to my checking account. I called Chase bank customer service and spoke with a representative who advised me that she did not see anything pending in the system and further explained that they ( the bank ) are dependent on the merchant who is issuing the credit. I then called a XXXX 's store and spoke with a front-end manager who explained to me that the credit would take anywhere from 5 to 14 business days to be returned to my account! When I asked why, I was told that it depends on the bank and how quickly they post the refund - which is totally opposite of what the Chase representative had told me ( i.e. that the posting of the refund is dependent on how quickly the merchant issues it to Chase ). As I stated earlier on in this complaint - I have seen this phenomena many times over the years between many different merchants and many different banks with whom I 've done business with in the past ( and with whom I also held and used a debit card for transactions ). My gripe is this : Why is it that when a consumer makes a purchase using a debit card, the pending debit is logged against the consumer 's checking account almost immediately, yet when refunds are issued - the money sits off somewhere in the ether, in limbo ( XXXX knows where ) until it gets from the merchant to the customer 's account. Time after time I 've seen this happen and would like to know why there is such a lag when it comes to returning the funds to the consumer when there is no lag ( whatsoever ) when the merchant is collecting those funds from the buyer. This is not just unfair, it 's unjust and simple not right. XXXX XXXX, a once renowned brokerage firm is now out of business because, among other reasons, they were found guilty of " floating '' customer funds between settlement dates and the date the customer actually received the proceeds from that sale of stock/bonds/whatever. So why is this " float '' of customer 's refunds being allowed to perpetuate within the banking industry and systems. Once again, and I ca n't stress this point enough, I have seen this happen time and time again between many merchants I 've done business with and the many banks I 've held checking ( and debit cards ) with which I have also done business throughout my life. I believe that there is one and only one fair resolution to this " floating '' of funds back to consumers - and that 's to create a legislated mandate ( if there is n't one already ) that stipulates that the consumer 's funds must be refunded as quickly as they are withdrawn. This would seem common sense to most people and I ca n't help but suspect that this is n't yet one more money-making scheme practiced by the banks and/or the merchants. | ||||||
| 02/14/2022 | Yes |
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Web | Servicemember |
| On XX/XX/21 I paid XXXX XXXX {$300.00} for XXXX training sessions for my XXXX dogs. XXXX XXXX advertised non-aggressive, humane and a kind training approach. At the training session, the trainer told me to growl at my dog, spray him in the face with water, shut doors in his face and use choke chain to train him. They even left me with a spray bottle and choke chain with the XXXX XXXX logo on it. The trainer did not even look at my other XXXX dogs that I paid for. The trainer was also very hostile toward me and near the end of the XXXX training session made aggressive XXXX advances towards me. I truly felt threatened and the trainer made it clear he would not leave unless I signed a contract agreeing to life time guaranteed services for an additional {$1500.00}. In California I know I have the right to cancel a service contract within 3 days and I just wanted the trainer to get out of my house without becoming more hostile towards me. The following day I texted the trainer and asked him to cancel the contract and refund me the {$1500.00}. The trainer ignored my requested then called and texted me repeatedly to argue about it. As it was apparent he was not going to give me a refund for services that were not rendered, I filed a dispute based on the fraudulent services with Chase on about XX/XX/21. and a temporary credit of {$1500.00} was applied to my account. Chase reassessed the {$1500.00} on XX/XX/21. I received no opportunity to review XXXX XXXX response to the dispute. On XX/XX/21 I called Chases dispute department and the representative advised me on were you track down the copy of contract XXXX XXXX sent to chase and to send a secure message to ask that the dispute be reinvestigated as service not rendered, which I did. Approximately XXXX week later I received a letter in the mail with the XXXX XXXX contract, and serval other documents I did not recognize at were illegible. The documents showed my signature but I have no recollection of signing multiple times, I signed once on an electronic signature pad and it is evident XXXX XXXX reused this signature in a fraudulent manner. I was also never sent a copy of the contract from XXXX XXXX. In XX/XX/XXXX and XXXX I sent Chase XXXX more secure messages explaining my case in the dispute and provided a large amount of evidence that I attempted to cancel the contract within the rightful time frame, evidence that services were not rendered, and that XXXX XXXX is a fraudulent business that falsely claims to use kind humane and non-aggressive training, life-time assured methods. This evidence included proven and factual sources from my veterinarian that XXXX XXXX training techniques are counter productive and simply cruel. Since the XXXX session with XXXX XXXX my XXXX dog that the trainer worked with ( I was charged for all XXXX ) has bitten me which resulted in my having XXXX stitches in my hand and attacked my other dog twice. I only ever called XXXX XXXX because this XXXX dog was scared of other dogs. Following this incident I also learned that XXXX XXXX training methods actually cause aggression in dogs and are in no way humane or sustainable for the life-time of the dog. Upon learning this on or about XX/XX/21 I opened another dispute with chase for the initial {$300.00} payment. XXXX XXXX scammed me, harassed, manipulated and outright stole from me, abused my dog, submitted fraudulent paperwork to chase, and is a fictitious business that posts numerous false reviews about themselves ( I actually called XXXX and founds this out. ) I have reported them to the XXXX XXXX XXXX and also learned that they have no real physical business address, and there are numerous other XXXX complaints very similar to mine. As of today, XX/XX/21 I have received no response from chase since my last message sent on XX/XX/21. I do not know why chase is siding with this company over me the only evidence they received from XXXX XXXX were illegal and fraudulent contracts that I was never sent. | ||||||
| 01/24/2023 | Yes |
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| In XXXX and XX/XX/XXXX, I spent a total of {$130000.00} on advertising purchases at XXXX. According to the terms of my Chase XXXX XXXX XXXX credit card, I should have earned 3 rewards points per dollar for " social media and search engine advertising. '' Instead, Chase credited me only 1 point per dollar spent and has refused to credit me for the missing 2 points per dollar ( XXXX points total ). This is an issue that I have experienced with Chase multiple times in the last year and a half. In XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was under-credited rewards points for my advertising purchases on XXXX. In every single one of those cases, after I provided receipts proving that the purchases were for digital/social media advertising, I was credited the 2 points per dollar that Chase owed me. Since XX/XX/XXXX, I have sent 14 messages to Chase customer support through their website about this latest issue. They have given me a variety of reasons why they will not honor the 3x rewards rate, including that the merchant coded the transactions incorrectly ( which is out of my control, and something that Chase has manually resolved in the past after I provided receipts for the charges ). Chase has refused to explain why they credited me with over XXXX missing rewards points when this exact same issue occurred previously but refuse to credit them to me now. According to the description of their Rewards Categories on https : //www.chase.com/personal/credit-cards/rewards-category-faq, purchases of " Social media and search engine advertising '' qualify for 3x rewards points, provided that : " Merchants in this category include social media websites and online search engines that advertise a business, brand, products or services. Advertising purchases that are not made directly from a social media website or online search engine merchant may not qualify ; for example, advertising purchases made through a third party such as an ad agency or web designer offering related services. Also, purchases from social media websites or online search engines that are not for advertising will not qualify ; for example, subscription or app purchases. '' According to Chase 's own definition, all of my purchases qualify. XXXX is a social media website. I purchased advertising on behalf of a brand 's products and services. I purchased the advertising directly from XXXX as Sponsored Updates. And I was charged for the performance of each individual ad unit ( either the number of clicks it received or the number of views it received ). This was NOT a subscription purchase, despite the fact that apparently that's the transaction code that XXXX 's credit card vendor used incorrectly. I provided receipts for all of these transactions. I pointed to the four other times Chase acknowledged that I was owed points for these exact same types of transactions. And over XXXX months and dozens of messages back and forth, Chase refuses to acknowledge that this is the exact same situation that they corrected previously. I have no other option except to file this report, which I do not want to do. But these rewards points are worth literally thousands of dollars, and I am not willing to walk away and let Chase refuse to honor my Cardmember Agreement. I have attached my receipts for my XXXX purchases from XXXX XXXX, as well as a message from Chase from XX/XX/XXXX, in which they acknowledged that " We understand sometimes the Merchant Category Code ( MCC ) that comes with a transaction may not cover a companies full scope of business or services, and can cause customers to earn less than what was intended. Because of this, we are always happy to credit any points that should have been earned after appropriate review and approval of any transactions in question. Simply call us, or send us a secure message on Chase.com with the transaction details missing the correct points structure. We will gladly review and adjust any necessary points. '' | ||||||
| 02/04/2016 | Yes |
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| XXXX XXXX XXXX , XXXX ( " XXXX '' ) submits this complaint on behalf of the borrower ( " XXXX '' ). Chase has failed to follow proper procedures for loss mitigation review in violation of the Real Estate Settlement Procedures Act ( " RESPA '' ). On XXXX/XXXX/XXXX, XXXX emailed a complete loan modification application ( " the XXXX XXXX application '' ) on behalf of XXXX, to Chase 's legal counsel and directly to Chase rep., XXXX XXXX, as requested by Chase and approved by Chase 's counsel. ( Exhibit A ). Around XXXX/XXXX/XXXX, the borrower received a missing documents letter. XXXX emailed the requested documents to Chase 's counsel and XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, Chase 's counsel emailed XXXX a letter denying XXXX for a Chase Modification, on the grounds that Chase was " not able to create an affordable payment equal to the required percentage of the [ the borrower 's ] reported monthly gross income without changing the terms of [ the borrower 's ] mortgage beyond the modification program 's requirements. '' This same letter denied XXXX for a Chase Modification with Principal Forgiveness because Chase " could not verify [ XXXX 's ] income, employment, assets, identity, and/or property occupancy. '' ( Exhibit B ). XXXX, believing these reasons to be both improper and contradictory, appealed this on XXXX/XXXX/XXXX. ( Exhibit C ). After XXXX submitted the appeal, XXXX XXXX of XXXX had two phone conversations with Chase rep. XXXX XXXX. On XXXX/XXXX/XXXX, XXXX XXXX informed XXXX XXXX that the denial was based on Chase 's inability to verify XXXX 's income, employment and occupancy. XXXX 's income and employment had been clearly documented in the application ; the application had also explicitly stated that XXXX does not live in the subject property, and that it is a second home in which his mother and sister live. The documents submitted with the XXXX XXXX application confirmed this. During a second telephone conversation on XXXX/XXXX/XXXX, XXXX XXXX stated that the XXXX XXXX application was not reviewed because an earlier application submitted by or on behalf of the borrower incorrectly stated it was his primary residence. As noted to XXXX XXXX, XXXX did not submit this application. Despite any error in the previous application, his nonoccupancy in the property was made abundantly clear in the XXXX XXXX application. XXXX XXXX stated that the entire RMA could not be verified the file was closed. At a foreclosure settlement conference on XXXX/XXXX/XXXX, Chase 's counsel admitted that the denial was a " streamline denial. '' She confirmed that the denial was not based on any information in the XXXX XXXX application because Chase had not actually reviewed it. The court directed that Chase review the XXXX XXXX application. On XXXX/XXXX/XXXX, Chase 's counsel emailed XXXX stating that Chase would not review the application, and instead requested an entirely new application be submitted on behalf of XXXX. Chase 's admitted and repeated refusal to review the complete loan modification application is a flagrant violation of RESPA 's loss mitigation rules. Pursuant to RESPA 's loss mitigation rules, upon receipt of a loss mitigation application, a servicer must determine if the application is either complete or incomplete and notify the borrower of its determination " in writing within 5 days. '' 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). If Chase discovered that additional information was required to " verify the RMA, '' Chase was required to request the information promptly. 12 C.F.R. 1024.41 ( c ) ( 2 ) ( iv ). If a loss mitigation application is facially complete, the servicer must " evaluate the borrower for all loss mitigation options available to to the borrower '' within 30 days. 12 C.F.R. 1024.41 ( c ) ( 1 ). Accordingly, Chase should have evaluated XXXX for all loss mitigation options once it became facially complete on XXXX/XXXX/XXXX. However, Chase continues to refuse to review the application. | ||||||
| 06/04/2017 | Yes |
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Web | Servicemember |
| On or about XX/XX/XXXX I contacted Chase Bank in reference to a purchase in the amount of {$250.00}. I was informed that I needed to wait for the merchant to " take the money from cue '' before I could initiate a formal dispute. Several days later I contacted the bank back to initiate a dispute. I informed them that under California law, the merchant " could '' but did not allow me to take an unfinished bottle of alcohol I purchased from the restaurant. In fact, the restaurant poured out approx. 90 % of the bottle because my party could not consume it on the night in question. I asked the restaurant to either give me the bottle top ( so I could take the bottle with me ) or to refund me for the portion they poured out. They refused. When I initiated the complaint with Chase I included the receipt, the CA law that protects me as a consumer, and the merchant information. On XX/XX/XXXX Infinitee, a Senior Dispute Resolution Specialist, informed me " XXXX '' ( not Chase ) denied my claim. When I asked the reason, she informed me " XXXX '' erred because they denied the claim stating " CA law did not stipulate a restaurant could give unconsumed alcohol to consumers ''. But she noticed from the original complaint that I included the CA law. She said it did n't look like " XXXX '' considered all of the information I provided concerning the claim. She apologized and assured me I should not have lost the dispute. Allegedly, she re-asserted the dispute and told me to expect a refund in about 15-30 days. However, on XX/XX/XXXX I contacted Chase 's dispute resolution department to inquire about the {$250.00} refund only to be antagonized by several representatives. In fact, I wasted almost 4.5 hours being given the runaround by Chase concerning the refund. During one phone call I was harassed and asked, " Why I signed the receipt? '' During another phone call, a Senior Dispute Specialist tried to convince me " XXXX '' made the decision and not Chase. The call lasted over 30 minutes and he repeated over and over that Chase had no power to change " XXXX XXXX '' decision to deny the claim. When I asked for XXXX XXXX contact number he gave me a wrong number. I called Chase several more times that day and to my dismay each call got worse. One representative named XXXX told me to contact my local branch if I had issues with the dispute process. I asked how the local branch could assist me and she said they would. I asked who was over the dispute department and she said, " your local branch ''. Undaunted by Chase 's tactics and attempts to mislead me, I found XXXX XXXX number online and contacted them again. This time a representative was nice enough ( and patient enough ) to conference me into Chase 's dispute resolution center. Once XXXX and I were on the line with a Chase representative the entire story changed. To my surprise -- not really -- it was not " XXXX '' who denied the claim rather " Chase lost the recovery rights ''. I inquired about when recovery rights were lost and was told that information could not be discussed. I was astonished that I was led to believe " XXXX '' made the final decision when in fact, Chase ( and the merchant bank ) " agreed '' to the outcome. After speaking with XXXX ( and confirming I had been lied to by the dispute resolution department ) I contacted Chase 's Executive Office and spoke with XXXX. I was directed to write a complaint to their email address ; which I did. As a consumer I should not have to pay for merchandise that is destroyed by the merchant. This is not a difficult dispute so I 'm bewildered at why Chase has given me the runaround. I supported my dispute with the applicable documentation and even included the current California law. Ironically, Chase informed me the merchant did not have to abide by the law if their " company policy '' says they can pour out the alcohol. Are they serious? Since when does a company 's policy override state or federal law? | ||||||
| 11/30/2021 | Yes |
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| Someone was able to access my XXXX account and made fraudulent transactions on XXXX of my credit cards that XXXX had on file. On XX/XX/XXXX, I noticed I was getting numerous emails from XXXX thanking me for my XXXX purchases. I went to my XXXX account and didnt see anything new in my orders information, so I thought it must be fraudulent emails trying to get my account information. But then I decided to look on my chase card account just to be certain and noticed some XXXX purchases from the day before that I did not make. So I quickly got back on my XXXX account and changed my password and deleted my credit cards from my XXXX account. I then went into my account information on XXXX and noticed XXXX different transactions I did not make and that had fail to appear on my order summary. I believe XXXX of them were said to be from the exact same XXXX third party seller. XXXX was a purchase for XXXX pairs of the same earring, XXXX tactical lights, XXXX sounds bars, XXXX pairs of night eye mask. And more. XXXX was for a coffee filter that I did end up receiving, but it was the first purchase made and I believe purchased from a different store. XXXX of these transactions were made on my chase card totaling a little over {$300.00}. Then my chase card stop accepting the charges, so another XXXX. + dollars went into another card. The other credit card company had since removed those charges. I called XXXX and both credit cards companies on the XX/XX/XXXX the day I noticed the charges. At first Chase removed the charges when I disputed them, but then added back onto my account saying they investigated it and because I shop at XXXX all the time they deemed them valid charges. I again called Chase and explained the circumstances. They agreed to again examine the dispute and had me email them additional information and screenshots I had taken of the fraudulent purchases as they appeared on my XXXX account. I emailed the information to their fraud department, I then received a letter to my chase account saying they again deemed the charges to be valid because, I benefited from the transactions. I emailed the fraud department again on XX/XX/XXXX saying I never ordered or received any of these items how did I benefit from these transactions. I asked why would I order Numerous quantities of the same item, why would I make numerous purchase from the same third party store. Why would I call them on the XXXX, the day most of the charges appeared, to tell them I didnt make them. I asked why couldnt they look up this third party XXXX seller and see that they are now non existent, and why couldnt they call XXXX who would confirm these are fraudulent charges. Chase has yet to reply and still hasnt removed any of the charges. I again sent Chase screenshots I had taken at the time of the transactions showing items with the numerous quantities and showing they were all said to be purchased from the exact same XXXX seller. Also sent a screenshot of an email dated the XX/XX/XXXX from XXXX saying they believe fraudulent activity has happened on my account, But no reply and Chase still hasnt remove them from my account. XXXX on XX/XX/XXXX said on they should be crediting my account soon. Here are the dates and charges and some of the things I know from screenshots- but since XXXX has removed them from my account I dont everything that was said to be purchased besides the amounts Chase {$7.00} XX/XX/XXXX - coffee filler {$21.00} XX/XX/XXXX - a small rug {$86.00} XX/XX/XXXX XXXX tactical flashlight {$100.00} XX/XX/XXXX XXXX sets of earrings {$75.00} XX/XX/XXXX? Then my chase card refused additional purchases, so these when on my other card. {$200.00} XX/XX/XXXX set of eye sleep mask {$320.00} XX/XX/XXXX? numerous bike lights {$300.00} XX/XX/XXXX XXXX sound bars It would have been worse if I had not of noticed the emails coming from XXXX on XX/XX/XXXX, and I took the action to change my XXXX password and remove my credit cards from the account. | ||||||
| 08/03/2023 | Yes |
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| I received an offer for {$500.00} if I opened a business checking account that met certain criteria for deposits within the first 90 Days. ( Attachment provided. ) Having just formed an consulting business LLC and having my first small business income, on XX/XX/2023, I went to Chase Bank to open a small business checking account. I also applied for a business credit card. I opened a business checking account at Chase Bank in XXXX, CA, branch. I had three checks to deposit, totaling {$31000.00}. Checks were issued by The XXXX XXXX XXXX, a local non-profit business for which I have been doing hourly consulting work. The {$31000.00} represents three months of work I have done from XXXX XX/XX/2023. On XX/XX/XXXX, I went to access funds in my account and to pay bills, including a {$58.00} bill I had received from XXXX which issues checks for Chase Bank. I could not see the checking account on line or in the Chase app, although it was accessible about 10 days earlier. I went into the Chase branch on or about XX/XX/XXXX, fully expecting that I had inadvertently hidden the accounts. I was told by the operations manager ( the branch manager was on vacation ), that she did not know what happened to my funds. ( Very scary. ) After about 1.5 hours, she was able to determine that the funds were in suspension and that the account had been closed on XX/XX/XXXX. Chase customer service did not know why and that the account had been closed. I have still not been given a reason for this. I received NO contact that the funds were being held to be verified OR that the account was being closed. Working with the person at the branch, she was told by customer service that they tried XXXX to verify the checks with the issuer of the three checks and were told that someone was on vacation. They told me the person with whom they were attempting to verify payment. That person is a warehouse operations manager, someone who is not in any way sitting at a desk waiting to verify my paycheck as I am working for the XXXX administrative office. The XXXX general manager and/or CFO could have been reached, but XXXX did not attempt that. Based on my giving the customer service representative a phone number for XXXX XXXX as I was sitting in the branch bank ) who is an administrative assistant, customer service verified that I was paid by the XXXX. ( I do not see that is very good fraud protection as I had called XXXX and asked her to verify when XXXX called. XXXX called, with me sitting there and she verified ). At that point, the suspension was lifted and I was told it would be another 7-10 days before my {$31000.00} funds were returned to me. I was without my funds for 6 weeks! I was also short {$58.00} for checks that Chase Bank ordered for a closed account and for which I was not given any options. I did not have the costs of the checks disclosed. When checks arrived, they were GIANT and I was charge {$58.00} via invoice that I paid on time via my Chase credit card. I received the {$31000.00} returned on XX/XX/XXXX. I went into the branch on XX/XX/XXXX to inquire about the additional {$58.00} I was owed for checks on a closed account. The branch manager said he could not refund the {$58.00}, because I had no account to refund that into. He said he could issue a check but discouraged that because it would trigger tax forms. He offered to call XXXX to get them to reverse the charge. I left after 30 minutes, with the manager saying he would call me on Monday XX/XX/XXXX with resolution. I did not hear from the branch manager on Monday XX/XX/XXXX, so on Tuesday XX/XX/XXXX, I again went back to the branch. Another staff member called XXXX, who said they had no record of the refund. After a few more phone calls they issued a check to me for {$58.00} that they said will be treated as income. I needed to also go to another bank and again spend time to open another account. I also would have been eligible for {$500.00} that I did not receive. | ||||||
| 07/14/2023 | Yes |
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| On XXXX XXXX, I was charged {$540.00} for an online order ( by XXXX ) that I ultimately did not receive. Specifically I ordered 6 articles of clothing, and only received 2 articles of clothing ( two dresses I did not order- which is very evident by my order information and can provide this information ). After going back and forth with the online company 's customer service ( to try to resolve the issue ), it became clear that the company was fraudulent and would not issue me a refund. I am happy to provide documentation proving this ( i.e. email thread interactions, order information, screen shots of policies ). I then submitted for a chargeback with Chase. When I submitted for a chargeback, I selected the category " Did not receive merchandise versus Received merchandise not as described. I received a letter on XXXX stating that the chargeback was was not successful and that I would be charged the full amount. I called Chase shortly after receiving this letter and was told that I selected the wrong category. I explained to them that both categories apply to this situation ( again, I received 2 items versus 6 items ) and was told that it did not matter and I needed to select the other category. I was then told I could refute it again with an appeal letter ( which I'm happy to provide upon request ). I sent the appeal letter the same day I had this conversation with Chase on XXXX. I then received a letter during the second week of XXXX ( dated XXXX ) in the mail that their investigation remained the same and the transaction was valid. I called Chase again today on XXXX. I was told by one customer service specialist ( who I didn't get her name before she hung up on me ) and another named XXXX that the case could not be opened because it was closed. They also mentioned that a reason that the dispute was not honored was because of the company 's policy ( which makes absolutely no sense ). I then requested to talk with a supervisor. I spoke with XXXX who told me that she could not reopen this case because I was past Chase 's internal deadline for re-opening cases like this. I asked her what this deadline was and she again clarified that this is an internal deadline that is set by Chase and not communicated to customers. There were no deadlines published on my letters sent to me by Chase regarding this dispute, nor were any " deadline '' communicated to me during my various phone calls I had with Chase. In fact, I was told during my first phone call with Chase that it could take 118 days for Chase to reopen my case. When I asked XXXX how I was supposed to meet their deadlines ( particularly without knowing them and when they are sending me correspondence by postal mail and it can take days to receive these letters ), I was told essentially that I needed to be more prompt in responding to my mail and that Chase hopes their customers are prompt when responding to correspondence because Chase is always there to talk to customers ( What? ). Again, I was told it could take 118 days to reopen this case and no internal timelines were communicated. I also heard from a few customer service reps that this claim was denied because of XXXX policy ( which leads me to believe that this claim/my submitted evidence was NOT thoroughly investigated because their policy is completely irrelevant here ). XXXX also alluded to the idea that if I had selected the proper category the first time, then this could have been resolved within their timelines. I asked for an explanation on how I didn't select the right category especially considering I only received 2 products ( product I did not order ) when I ordered 6, and she could not answer this. XXXX then said she could give me {$100.00} and that is the best Chase could do. Chase is just really trying to not pay the {$540.00} that I am owed. Happy to provide additional details. I have attached my dispute letter I sent to Chase on XXXX. Happy to scan and upload my denial letters as desired. | ||||||
| 09/24/2020 | Yes |
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| A scammer obtained online access to my accounts ( 2 checking and 3 credit cards ) with Chase on XX/XX/2020. I immediately changed my password and username then proceeded to call Chase. Once I was transferred to the Loss Prevention unit, I was informed that my accounts would be locked and was instructed to visit a physical branch to open a new account and call the Fraud unit back for further instructions. The instructions turned out to be misleading and unfair. In the meantime, Chase blocked my online access and I was not able to see any statements nor did I have access to my credit cards or any way to pay using an alternative method. On XX/XX/2020, I visited a branch in XXXX, CA but since my spouse didn't have her identification we set up an appointment to go in the morning after. On XX/XX/2020, we were able to open a checking account with XXXX XXXX and during the account opening process the Loss Prevention team wanted to speak to me over the phone to explain that the direct deposit that was scheduled to be credited to one of my locked accounts would be available only via check within 7-10 days as the two Chase checking accounts have now been decided to be closed by Chase. In the meantime, I had 2 past due Chase credit card payments I needed to pay from the direct deposit, but that was not going to happen based on what I was told over the phone over the weekend. On XX/XX/2020, I proceeded to call Chase credit card services and they have instructed me to deal with Chase banking services to have the checking account hold temporarily lifted in order for me to pay for my credit cards. Once I was transferred to Chase banking services, it was hard to comprehend clearly what the representative was saying as there was a dog barking in the background and every other word was being cut out ( literally ). So, I kept informing the representative that I couldn't hear her and was getting frustrated which I believe made the person on the other side also frustrated. I said I don't want anything to do with Chase anymore and the client representative replied that she was going to close all my accounts including the new one that I was instructed to open at the branch and hung up on me. I quickly tried to access my accounts online, and sure enough I was once again blocked. I called Chase again and explained what happened and the representative said that they will no longer be able to provide banking services to me ever. Then I asked if I all my Chase accounts are being closed and online access has been blocked to my credit cards as well, who's responsible for paying my Chase credit cards. The rep replied by saying something within the lines of, " Oh, ok. I can at least reinstate your online access. '' On XX/XX/2020, I called the loss prevention team again to see what the reason was for me not being able to back with Chase again. They explained to me that it was likely due to the fact that the scammer had likely had access to the device that was used to fraudulently access my online banking account. Could it be that Chase thought I was in on some kind of fraud? One account was overdrawn and the second account had less than {$1.00} in the account. How can Chase be scammed out of money when there was nothing in my checking accounts and I've been a loyal client for the last 17 years? So, in order to see if I could retrieve part of my direct deposit sooner as I also have rent and other bills to pay, I called Loss Prevention again and they told me it would be possible at a physical branch. This was misleading once again. On the same day, I went into the XXXX branch and asked of course they refused my cash withdrawal request and once the branch contacted Loss Prevention, they refused the withdrawal. I will be late on my rent, credit card payments, utility bill, and auto payment and will never be able to open a checking account with Chase again simply because I called in to report an unauthorized access in my online banking by a scammer. | ||||||
| 06/08/2022 | Yes |
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| On XX/XX/XXXX, I mobile deposited a check into my checking account with Chase Bank. My supposed best friend said they could help me with some money to pay a past due bill I had, and they wrote me a check for {$800.00}. They said it was from a valid bank account in their name and with their information connected to this account. Well, because they have never done anything to make me question their actions, I trusted my " friends ''. They gave me no reason to not trust them. So I deposited the check into my bank account via quick deposit mobile deposit, since I had covid and wasn't able to leave my home. Chase Bank notified me that they were placing a hold on the check to verify the account and attempt to collect the funds from the paying bank before they would release the funds from the check into my account to be used. It was a couple days of being held, then my bank released the {$800.00} for me to use. At this time, because of the prior notice by Chase bank saying they were checking the validity of the account on the check and to collect the money, I had no reason not to believe Chase bank was going to do anything other than what they notified me they were doing. Since they released the funds of the check, I assumed Chase bank cleared and verified the check was good and that they successfully collected the money. So I withdrew the money from my account. So far so good. But then 3 days after that, Chase Bank didn't notify me when it happened, but the check was returned and the account on the check was found to be fraudulent. This made my checking account go negative the amount of the check, which was {$800.00}. I called the bank to ask them why my account was negative and they told me it was a bad check and I had withdrew the money from my account already, and since Chase bank couldn't get the money on the check, they told me they are not responsible for the money, that I should contact the person who wrote the check. I confronted my so called best friend and they didn't deny knowing the check was fraudulent and then stopped responding to me. I still have not been able to find them, they very well might have blocked my number or even changed their phone number and haven't gone back to the address they were known to stay at. So I don't know where they are, can't resolve this issue with them, basically they went into hiding so they wouldn't get in trouble for writing me a bad check as well as them committing identity theft. So I called the bank back and they said there is nothing they can do. They would not submit a claim to investigate and put the money back into my bank account to cover the fraudulent check of {$800.00}. Told me they couldn't do anything and that I should contact law enforcement to see what they could do to help catch the criminals that conned me and conducted illegal things and let me take the fall for their misbehaviors. So I called the police and made a report about what happened and they told me there was nothing they could do either. I just don't think it's fair that Chase bank gave me information regarding that check, but did something else, there by being dishonest and misinformative. And due to their incorrect information they provided to me, my account went negative and they are making me put the money back into my account. Had I been correctly informed by Chase bank about their activity in my account, I would have never withdrew that money ( {$800.00} ) no one will help me. I have a police report number for XXXX police department, which is XXXX. The transactions connected to this issue are for a mobile deposit of {$800.00}, an atm withdrawal of {$800.00}, and the deposited item returned, debiting my checking account {$800.00}. I will enclose screenshots of my account where the bank notified me of their supposed actions regarding that deposit, transaction information, check information, and all related transactions and notification information attached to the transactions and account. | ||||||
| 10/26/2021 | Yes |
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| On XXXX I applied for a home improvement loan with XXXX XXXX and was notified about a month later that there was an old lien on my property from XXXX XXXX XXXX who went out of business sometime in XXXX. XXXX needed proof that XXXX was paid. In XXXX I refinanced my home with XXXX XXXX who has since merged with XXXX XXXX. I contacted XXXX XXXX requesting a copy of the Settlement Statement but was informed that their records retention is only 10 years so they could not provide documentation to me. I also tried to contact the Title Company that did the work for XXXX but they are no longer in business. I was told that XXXX 's accounts were assigned to JP Chase, XXXX XXXX, XXXX and now XXXX. I tried contacting all of them and no one would help me to get the XXXX XXXX released so that I could get my home improvement loan. Ultimately, I have contacted the FDIC, my congressman 's office, Chase, XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX. Most times I couldn't get beyond customer service because my property address, name or social security number would not bring up an account. I have spent the last 3+ months making phone calls, sending emails, researching and still I am unable to resolve this problem. In XXXX I refinanced with Chase Bank and was never informed of the XXXX XXXX that showed up on the title search. XXXX XXXX XXXX did the XXXX Chase refinance so I called them and was told that they no longer have the records either. I was told that one of two things probably happened ... XXXX XXXX either got verbal confirmation or a letter of intent from XXXX that they would release the lien. Either way, XXXX XXXX XXXX failed to make sure the lien was released and I never knew anything about it. If I had been informed, getting the lien released would have been easy because XXXX XXXX was still in business in XXXX. XXXX XXXX failed to make sure the lien was released when I refinanced with them in XXXX and they supposedly paid off XXXX XXXX XXXX and so did Chase when XXXX refinanced with them in XXXX. I know that Chase did pay XXXX XXXX according to my settlement statement and the fact there is no XXXX XXXX lien appearing on the title search. Not one of the parties involved says they have the authority to remove the lien so I am stuck in a very stressful situation. Because the home improvement loan was denied and the material had already been ordered by the contractor, I was forced to pay for the large job all out of pocket and now my savings account is nearly depleted. XXXX XXXX XXXX has offered me an atonement but not even half of what is needed and they said they can't remove the lien. I have spoken with an attorney and the cost to file a Quiet Title Claim is very expensive, I can not afford it nor should I have to be burdened with getting this situation resolved. I have emailed Mr. XXXX XXXX, XXXX at Chase and asked for his assistance because Chase has the Title Insurance I paid for as part of the refinance. As it appears now, Chase is not sitting in first position according to the title search. Chase has not offered to help me in anyway that would result in resolving my issue. Next on or about XXXX XXXX, XXXX I paid Chase {$500.00} to refinance my home again and taking some cash out so that I could replenish my savings. After a few weeks I was informed that the refinance would be getting denied because with student loans in national COVID forbearance, credit reports show a monthly payment amount of XXXX so underwriting uses a % rule. I provided documentation of my past payments and the amount going forward once the loans were no longer in forbearance but that was not acceptable to underwriting and they had to use the % rule which made my debt-to-income ratio too high. I was also told by Chase that they would not refund my {$500.00} because the appraisal cost {$600.00} but they would not be requiring me to pay the {$100.00} difference. I have a lot more documents from email, my own notes and more that I can produce if needed. | ||||||
| 03/21/2019 | Yes |
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| Complaint Department Chase Bank Dear Sir or Madam, I am writing to dispute fraudulent debt. I want Chase to stop attempting to collect {$3800.00} of unauthorized charges that occurred in my Chase bank account. I do NOT want Chase to send the alleged debt to a collection agency or a debt buyer or to file a lawsuit against me as the debt was created by fraudulent and unauthorized account activity. I want Chase to inform credit reporting agencies, including but not limited to XXXX, to remove any negative information from my credit report resulting from this incident for which I was not involved. I want Chase to place in writing to me that they are not pursuing {$3800.00} from me nor do I owe {$3800.00} due to fraudulent activity. I have attached copies which I received and included all unauthorized transactions and fraudulent use of my Chase bank account. The following charges were charged to my bank account XXXX : XX/XX/XXXX total : {$1000.00}. 00/ checking account XXXX XXXX : XX/XX/XXXX-XX/XX/XXXX total : {$1100.00}. 31/ savings account XXXX : XX/XX/XXXX thru XX/XX/XXXX total : {$3800.00}. 00/savings account Chase never red flagged my account or notified me of possible fraudulent transactions. I never used my savings account for electronic payments. I reported all the fraudulent charges to Chase bank after several calls to make sure they had all proper unauthorized charges, which concluded on XX/XX/XXXX. All the charges were made using my bank account numbers/electronic drafts there were not made with an actual credit card/debit card. I immediately contacted them again to close the bank account. They reversed the charges temporarily back to my Chase bank account while Chase bank researched charges. I received credit for the XXXX XXXX, XXXX and XXXX charges. Then I finally received a letter saying they are reversing the charges again on XX/XX/XXXX for only the XXXX charges totaling {$3800.00}. 00. The other two charges ( XXXX XXXX and XXXX ) were permanently credited to my account after Chase bank researched and concluded the XXXX charges were not valid. I notified Chase customer service immediately to place Chase on notice that I disagree with the results of their investigation. Chase corrected the XXXX XXXX and XXXX unauthorized charges but failed to address the XXXX charges when all charges occurred within relatively the same time period. All of the unauthorized charges were equally fraudulent. If Chase bank could research and refund the other charges because they are incorrect, they should have been able to do the same for the XXXX. In addition, Chase had all the information for the XXXX transactions, including Web IDs where these fraudulent charges were made and XXXX transaction numbers. Chase stopped further investigation and notified me to contact XXXX myself. I started a complaint with XXXX. I forwarded the web ID and transaction numbers to XXXX, and they were able to locate the responsible party and XXXX restricted their account. XXXX then referred me to law enforcement and back to Chase bank to recover lost funds. My frustration is with Chase. Chase could have easily obtained the information from XXXX customer service as I did. I have expectations that my financial institution will keep my money safe and secure. I believe Chase failed me. No one has access to my bank account numbers, and I never used the account for electronic or ACH transactions. I did not authorize or allow the use of my account. The fraudulent account activity was not my typical account behavior. On XX/XX/XXXX, Chase received several complaints from people logging into their online chase account and being able to view other Chase customers information ( see attached article ). There have been several accusations of Chase security breaches of online accounts. Please stop Chases deceptive, unfair and abusive acts and practices. This has been a time consuming and stressful process. Thank you, in advance, for your assistance. | ||||||
| 03/27/2018 | Yes |
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| In XX/XX/XXXX, I was living with my Grandmother, helping her pay the mortgage payment when she passed away. I filed an application with JP Morgan Chase Bank, the mortgage company, to transfer the name on the mortgage to mine as a relative of the deceased. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, letters were sent addressed to my Grandmother requesting additional information and stating " Once we receive all of your information and any required fee, we will send you a letter within 10 business days to confirm whether we were able to make the change you requested. '' On XX/XX/XXXX, I received a letter from Chase stating " Your request is complete. __________ ( my name ) has been added as a non-liable, authorized party with access to the account. However, I didn't see the non-liable authorized party and was under the assumption that the account had been transferred to my name. Around XX/XX/XXXX, I called Chase and attempted to refinance the property with them for a lower interest rate, but was denied because it was mobile home. Since I was newly out of college and had little credit, I decided to pay on the property until I could build my credit. In XX/XX/XXXX, I decided to purchase a newer modular home to replace the current depreciated mobile home, borrowing enough money to pay off the current mortgage and roll it into the new mortgage. When the home place called Chase to get the payoff to know how much to mortgage, they were told I could not pay the loan off because it was not in my name but my Grandmother 's name. I came home and immediately called Chase to verify this information myself and was told that my name was not on the mortgage and could not pay it off and replace the home. I waited approximately one week and called again and was again told that the mortgage was not in my name, that I had no right to sale, transfer or do anything with the property. So I ask what would happen if I stop making the payment and was told that it would be foreclosed in my Grandmother 's name since she was the responsible party. So, since I could not do anything with the property, in XX/XX/XXXX I vacated the property and ceased making payments. On XX/XX/XXXX, a letter was mailed addressed to myself and my Grandmother regarding mortgage assistance since the payment was late. ( My Grandmother was still listed on the account ) On XX/XX/XXXX, Chase mailed a " Notice of Intent to Foreclose '' addressed only to my Grandmother. On XX/XX/XXXX, Chase mailed a letter addressed to me only, notifying that the mortgage has been transferred from JPMorgan Chase Bank to XXXX XXXX XXXX effective XX/XX/XXXX. On XX/XX/XXXX, a " Debt Validation Letter '' was mailed addressed to only me from XXXX XXXX XXXX. On XX/XX/XXXX, I mailed an answer to XXXX 's Validation letter explaining the issue and providing the letter which states I am not the responsible party, only an added user on the account. I also called XXXX in XX/XX/XXXX or XX/XX/XXXX, and gave the representative the same information and faxed him a copy of the letter, which he replied " everything they have shows me as the responsible party '' leading me to believe Chase Mortgage transferred the mortgage to XXXX, under my name, removing my Grandmother 's name completely under fraudulent pretenses. XXXX has also placed this debt on my credit report showing the delinquent account and that it was opened on XX/XX/XXXX. ( I was only XXXX in XX/XX/XXXX ). This mortgage was never placed on my account by Chase, there is no payment history on my credit report by Chase and wasn never placed on my credit report until XXXX put it there as a delinquent account causing my credit score to crash downward. I further suspect XXXX will place it there as a foreclosure also if this mortgage account is not removed from my name. I do not own this account and am not the responsible party as informed by JPMorgan Chase on three different occasions and should have all ties to this account removed from my name. | ||||||
| 01/27/2023 | Yes |
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| I was a victim involved with fraud on the night of XX/XX/2023. I received a phone call of someone saying they are chase and that my card/account was flagged for fraudulent activity and they needed to deactivate my debit card and instate a new one. I did not give any of my own information to them. They knew all my personal info and my account number for my checking account so therefore I thought it was Chase Bank. The only information they asked for was that in order to add my new card to my digital wallet since they claimed they deactivated my original one because of fraud, they would add it to my digital wallet and they would send me a code. A code was sent from chase bank and then when the call ended, I checked my email that night and saw transactions used at XXXX XXXX and a Chase Bank ATM in XXXX, IL. I immediately locked my card and tried calling Chase Bank but it was Sunday night at XXXX. The next day I filed fraud claims for those two transactions and got a new card. They did not tell me any other Information to get my money back except they will investigate. The next day I saw my money back in my account and thought that they completed it and knew it was fraud and everything was back to normal. A few days later I checked my account again and saw the money was taken out. I was shocked and confused and called Chase Fraud hotline and they said the investigation ( within 3 days ) lead to their decision it was not fraud. I asked why and was hurt by how the employee said it was my fault. After talking to XXXX XXXX management ( a gentleman named XXXX XXXX he said he did not find my transactions in their system under my name or the card info I gave because it was used under a digital wallet and when you use a digital wallet the XXXX numbers change with every transaction. Therefore he could do nothing for me to refund and its best to solve it with Chase. I called chase again and they did nothing but put me down and say it was not fraud. I asked what info lead to that and they said it was my device that was used to make these transactions. I have then decided to go to a branch manager in my local town of XXXX XXXX, IL and XXXX called the fraud hotline with me and we talked to them. They said I have to fax any support to prove my claim. Since they said they had no proof of a new device added my card to their digital wallet, I had an email directly from chase saying otherwise. It was a notification that my card was added to a digital wallet. The branch manager and I decided that was proof to go against what they were saying and faxed it in. I also faxed in my own proof to support my claim and then called Chase Bank fraud online hotline for an update and they told me again my claims were denied. They said what I sent in was not enough to support my claim. The guy told me rudely multiple times I dont know how things work because it was my digital wallet. I asked him how he knows it was mine because I for sure didnt make those transactions and he could not give me an answer. After being super upset with how he was talking to me, I asked to speak to a supervisor, a woman answered the phone and she did the same thing. She ignored my complaints with how they said they didnt receive my proof and I asked then how do I help myself since you guys arent helping me. She said they dont call merchants for their investigation and that they do their own looking. I asked how they knew it was my device and she said they dont. I said then this is not right if you dont even have your own proof to blame me. I have been harassed and not helped by Chase, its been ongoing to fight for my money back {$400.00} and I dont know what else to do if they keep saying they dont receive my faxes of proof I keep sending. I was told to try to do a complaint and I guess we will see if this helps at all. I want to close my account with them but I want my money back since this was fraud and they are denying me with barely any proof and wont accept mine. | ||||||
| 05/05/2020 | Yes |
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| I have been a customer with Chase credit cards since around XX/XX/XXXX with my now ex husband. We had a Southwest, Freedom, Sapphire. I was listed as a signor on these cards, but was the one responsible for paying them as we ran a plumbing company at the time. We accrued XXXX of thousands of points and miles and paid them off as we used them usually on a more than weekly basis. Our credit limit for these cards {$5000.00}. He ended up taking control of the company and cards in XX/XX/XXXX and did not know what he was doing and closed them with balances, so I removed myself as a user during the divorce. He recently filed bankruptcy XX/XX/XXXX. While I had access to & coordinated payments on these Chase credit cards, I was never late or missed a payment. He has damaged some of my credit over the past 5 years. I have worked relentlessly since I was 19 & bought my first home to have excellent payment history even in difficult times. ie XXXX, divorce, post divorce. In XX/XX/XXXX, I opened my own Chase Freedom card with a credit limit of {$500.00}. I have never missed a payment or been late. Previous payment amounts & dates are listed below : XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} On XX/XX/XXXX, I went to Chase bank with a balance owed of {$510.00} and paid {$300.00}, bringing the balance due to {$220.00}. I, then, went to a store and tried using the card where it was declined. I called into customer service and was told that the account had been closed. When I got home, I looked at the balance and started making payments towards the {$220.00} as seen below : XX/XX/XXXX {$25.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$20.00} XX/XX/XXXX Covid- XXXX I received an email from my credit monitoring company saying that Chase was marking my account past due. When I called into customer service and logged into my account, I saw that these fees were charged because Chase made my first minimum payment due after closing my non default account with the {$220.00} balance as {$45.00}. So, then, every month, Chase started charging me late fees : XX/XX/XXXX {$25.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} As of Thursday, XX/XX/XXXX, on a balance of {$220.00}, I have paid {$110.00} by each month 's payment due date & Chase had charged me an additional {$220.00}. I called into customer service and spoke with XXXX ID # : XXXX, where she waived the XX/XX/XXXX {$25.00}, XX/XX/XXXX {$39.00}, & XX/XX/XXXX {$39.00} late fees, in agreement that this situation should not have been happening. Also, as of XX/XX/XXXX 's statement, I had accrued XXXX Chase Freedom Unlimited Rewards Points and on XX/XX/XXXX 's statement, it shows that they were redeemed but not applied to any of my accounts. That amount should've totaled {$44.00} to be credited. In total this is what I feel I owe vs how chase has handled the situtation : Owed : {$220.00} Payments made : {$110.00} Rewards Credit : {$44.00} All fees should be waived, especially XXXX 's due to Covid-19, if anything. Total that should be due as of XX/XX/XXXX : {$60.00} plus agreed interest since the date the card was closed As of now, the balance on the account that the rewards were not credited to and including late fees for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( COVID ) : {$250.00} Chase is also reporting to the credit bureau 's that I have been late XXXX, XXXX, & XX/XX/XXXX. This situation is not right. Please help me, by looking into this to get these fees resolved and credit given where it is owed. My intention was never to not take responsibility for the amount I owed Chase Bank. I have been a loyal credible customer for more than 11 years now. | ||||||
| 10/07/2023 | Yes |
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| In XXXX of XXXX, I deposited a check for {$1000.00} from Sound Investment Advisors into my newly opened Chase Bank checking account. The check paid to me for services rendered was written to the name of my sole proprietor business " XXXX XXXX ''. Because my checking account was not affiliated with my business name, Chase seized the funds and closed my account without any notice. I did not receive an email, phone call or anything else. I went into the branch where I opened my account and deposited the check to ask what to do. They told me to bring in " any Washington State document showing that my personal name is affiliated with the business, such as my business license or any document from the Dept of Revenue with both my personal and business name on it. '' Due to Covid, it became very difficult trying to schedule a meeting with a branch manager, and the original branch which was handling this was shut down. When I finally was able to get a meeting in XXXX, the manager told me the funds were sent back to the company, XXXX, who issued the check, so the meeting ended and I left to go confirm with the company. The accountant at the XXXX pulled up their bank records which showed that the funds were not refunded. I then had to try to get another meeting with a branch manager scheduled but was unable to for a few months and when I finally was able to get a meeting again, the manager tried telling me the same thing, that the funds were sent back to XXXX. I told them they already checked their records and the funds were not refunded. The manager insisted that they were refunded and ended the meeting. I was unable to find time to go to another branch for a long time due to running my business but finally was able to go in again in XX/XX/XXXX. I brought my business license this time, the teller was very helpful and was able to track down the funds and a scan of the check showing that they are indeed still being held by Chase Bank. He contacted the associated department on the phone and asked what documents I needed to bring in to get my funds back. Even though I had my business license showing my personal name, business name etc, they told me I needed to bring in one of the following : A letterhead from the Secretary of State, IRS documents, or a letterhead from an attorney. I came back a few weeks later with a letterhead from an attorney stating that I am the business owner, and he also attached a document from the Department of Revenue showing my personal name, business name, address, phone number and date the business was opened ( back in XXXX ). The letter was scanned to the department and they told me to call them in 3 business days for it to process. When I call them back, they tell me the provided documentation is " not adequate '' and they will be keeping my funds, even though I brought them every document they've requested from official sources, clearly showing that I am the business owner. Every time I provided the necessary documents, they would move the goal post to something else. After multiple phone calls and being talked in circles for hours, they finally stated that " they can't verify my phone number in their system '' so they will not give me my money back. This is the same " system '' where during one of the aforementioned recent phone calls, they told me again that the funds were sent back to XXXX. I told them to look again because the teller I met with was able to pull up the scan of the check being held and confirm that Chase Bank was still holding the funds. The person on the phone replied saying " Oh sorry XXXX changed systems to a new one and a lot of things didn't get transferred over properly ''. So they are refusing to give my funds back based on their " system '' which is clearly and admittedly incomplete and imperfect. I have consulted with the attorney who provided the letterhead to me earlier and at this point my only option appears to be to go to small claims court. | ||||||
| 07/10/2023 | Yes |
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| On XX/XX/2023, a checking account was opened at Chase located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XX/XX/2023, a check was deposited for the amount of {$480.00} corresponding to payroll by the company XXXX XXXX. On XX/XX/2023, a check for the amount of {$1900.00} corresponding to payroll was deposited by the company XXXX XXXX. the employer XXXX XXXX issued a direct deposit to the chase account for the value of {$2400.00} corresponding to payroll value that was never reflected in the account. When reviewing the account and making transfers, they inform me that the account is blocked and therefore transfers can not be made or received since the account has a notation and therefore direct deposit from the employer can not be received or transfers made with the money that is reflected in the account corresponding to the value of {$2400.00}. When I contacted Chase by phone, they told me that Chase could not corroborate the first two checks and that is why I made the decision to close the account. On XX/XX/2023, I went to the branch where I opened the account and was attended by the official who opened my account, XXXX XXXX XXXX, and she informed me that Chase raised suspicions about the first two checks because, according to her, they could not verify It was issued by the employer at the telephone number found in the Chase databases, that there is nothing they can do to avoid closing the account and that I will receive a check with the value of the account balance {$2400.00} and that the direct deposit corresponding to the value of {$2400.00} will be returned to the employer since it never entered the account. It should be noted that the checks that raised suspicions are issued by XXXX for payroll, the same company that made the direct deposit. On XX/XX/2023, I went to the bank again to report that no check has arrived and that the transaction has not been returned to my employer and they inform me that the bank has issued two checks in my name, the first with a date on XX/XX/2023 with the value of {$2400.00} corresponding to the sum of the checks issued by the employer and a second check issued on XX/XX/2023 for the value of XXXX corresponding to the direct deposit that according to what I had been informed was going to to be returned to my employer. On XX/XX/2023 I receive the check issued by Chase on XX/XX/2023 corresponding to the value of {$2400.00}. On XX/XX/XXXX I receive the statement from the bank where it is reflected that the two previously mentioned amounts entered the account and that two checks were issued in my name for the corresponding closing of the account. On XX/XX/2023 I went back to the Chase offices to verify the status of the check issued on XX/XX/2023 and they informed me that it takes 15 to 20 business days for it to reach my correspondence. On XX/XX/XXXX, I go back to chase to get information about the check issued on XX/XX/2023 and XXXX XXXX XXXX informs me that this check is withheld since they have not been able to verify the first checks. I provide the phone numbers of my employer so that they can be verified and it informs me that these do not correspond to the numbers in their databases, and that the checks raised suspicions because they were issued by XXXX and not made manually as it was they have in their photographic records, in this way I ask that the money be returned to my employer and so they make the payment again to my bank account opened in another bank and they tell me that they can not do that. As it is today, my employer does not have the money and neither do I, this money is withheld by the chase without a logical explanation I need a solution to the problem and we are going for 2 months and I still do not have the money. I have already tried to solve the problem with the bank but it has been impossible. Neither my employer has the money and I have not received it. the money has been retained by the Chase Bank for more than two months. | ||||||
| 08/25/2022 | Yes |
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| FTC Report Unfortunately I was the victim of a fraudulent scam where XXXX are being targeted. Someone called XX/XX/22 impersonating an agent from the XXXX XXXX XXXX California ( XXXX XXXX XXXX ) from number ( XXXX ) XXXX stating there was a case against me by the Texas FBI and there was XXXX for my XXXX. The second perpetrator was impersonating an FBI agent ( XXXX XXXX # XXXX ) from number ( XXXX ) XXXX. He stated a car had been abandoned in the Texas border with a large amount of XXXX that had been obtained with my XXXX XXXX XXXX and the car had been rented under my name. Also stated there were 11 banks under my name being used for money laundering in the amount of {$2.00} Million. They had a lot of personal identifying information and provided official appearing forms from the XXXX XXXX of California stating my XXXX XXXX had been suspended. They also provided official forms forged from the Department of Justice Organized Crime Drug Task Force. This scam led to me wiring {$22000.00} on XX/XX/22 at XXXX to serve as a reversible bail bond during the investigation. The perpetrators intended I wire the money to " XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Acct # XXXX Name XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The swift number they gave me was XXXX, but this does not correlate with this bank and It belongs to XXXX XXXX bank which is a different bank entirely. The perpetrators made a mistake and gave me the wrong swift number. Prior to sending the wire I noticed the bank name on the form was different and it had a different address. I asked the XXXX, Chase agent, why it was different bank name and a different address she stated thats common, the swift number matches the address so there are no issues. If she had stated the swift code did not match with the intended bank this would have raised a red flag and I would not have sent the wire. Ultimately the wire ( # XXXX ) was sent to another bank completely. It went to XXXX XXXX XXXX ( XXXX XXXX ) XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, at XXXX I realized this was a scam later that day and I called my local bank immediately at XXXX. They stated the wire had already gone through and it could not be canceled. They gave me a number to call the fraud department to have the recalled. I spoke with a Chase agent at XXXX and they told me they sent a message to the wire team to recall it. I went to a local Chase Branch the next day for updates and I was told the wire recall had not been placed. They also stated there was no way for them to contact the wire team directly, only through messaging. I sent several messages on the secure app as advised with no reply. The FBI is involved in the case and they asked I have the bank pull a kill switch on the transfer but the bank said they were unable to do that. It has been 72 hours since I have been dealing with this with no information. Since the wire did not go into any specific account if Chase moves quickly it could be recovered but there is no sense of urgency on their part. Overall I am raising several areas of concern for Chase customers. 1. XXXX sent the wire to the wrong bank and did not notice the swift number was incorrect which would have stopped the wire to begin with. 2. Once the error was found, there was no way for anyone to contact the wire research team directly, only by in app messaging which was done with 4 times with no response. 3. The Chase fraud department lied about having placed the wire recall the day of the transfer XX/XX/22 and failed to have any communication thereafter. 4. If enough time lapses, the perpetrators would find a way to access the money. Unfortunately fraud is becoming more and more common as the level of sophistication with these scams increases. It is unfortunate that Chase is taking such a passive role in this matter when the wire could have been prevented had they noticed the error in SWIFT #. | ||||||
| 01/25/2019 | Yes |
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| On XX/XX/XXXX, my JPMorganChase checking account was hacked in the amount of XXXX in two separate transactions. I was never informed of this by Chase. Due to the fact that I check all my bank accounts daily, I personally caught this while the transactions were still pending. When I called the Chase hotline, a woman named XXXX told me that she would halt the transactions, freeze my account, and begin an investigation that I requested, and that the only thing left for me to do was to go to the branch and open a new account. Unfortunately, most of what she said was a lie. When I arrived at the branch after work that day, XXXX XXXX, the branch manager, informed that the only thing XXXX had done was halt the transactions. This meant my account was open to the thieves the entire day! It took XXXX and myself 4 hours to sort through the mess, and I also insisted on an official investigation, not only because of XXXX 's lack of truthfulness but also because no one at Chase caught this egregious invasion. When I asked XXXX about that, she said it was normal activity for me. I then asked her when the last time was that my account was under {$10000.00}, and the answer was never. These transactions took it down to just over {$300.00} - not normal activity at all. The investigation number is XXXX XXXX. After less than a week, the investigator told me the investigation was over, and Chase had no wrongdoing. When I asked him how it happened, he said he did not know. Yet he refused to investigate further. I considered leaving Chase at that time but decided to give them another chance. On XX/XX/XXXX, I was locked out of online access. Each time I attempted to enter, the message stated that I was entering the incorrect password. I knew this was not true. After 20 minutes on the phone and several transfers, I was told that my online access was blocked because someone else tried to enter as me. When I asked why I was never informed of this attempted invasion, and also why the only message I got was about a wrong password, I was told they didn't know, I should have been informed, and they apologized. On XX/XX/XXXX, I logged in again only to find, in my new checking account that was less than a month old, an unauthorized withdrawal of a little over {$5700.00}. Again, I was never informed of this but caught it myself while it was still pending, again because I check every day. When I called the same number that XXXX had answered previously, I was informed that all they could do was stop the transaction, and I needed to contact their fraud department for the rest, and they were not open that early. Why didn't XXXX tell me that the first time? Why didn't the fraud department contact me instead of the other way around? I did as directed, and was told I needed to once again go to the branch to get my own money back. When I then did a little research, I found that a Chase banker had been convicted of selling consumer information less than 6 months ago. That's when I realized this is what had happened to me. When I got to the branch, I told XXXX I needed to close all accounts and leave Chase, and that I insisted on an internal investigation, daily updates, and financial remuneration, as it was obviously a Chase employee doing all this. Not only did her superiors refuse all of that but, to add insult to injury, they insisted I come back the next day after the pending charge was dropped to get my {$5700.00} back, and they refused to return it that day. In summary, I have been violated twice within a month by a Chase employee, yet they quickly dropped an investigation despite a lack of results, refused to start a second one, and are doing their best to cover up the entire situation. In addition, the level of incompetence is high and is system-wide, including Personal Banking, online access and internal investigations. They are guilty of fraud, cover-up and breach of fiduciary responsiblilty. Please take action to stop this behavior. | ||||||
| 01/04/2017 | Yes |
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| I have been an account holder with JPMorgan Chase Bank, N.A., since XX/XX/XXXX when I applied for the Chase XXXX credit card, a cashback rewards credit card which is popular among young people like myself. After doing extensive research online and considering multiple options for a rewards credit card to open, I settled on the Chase XXXX because of an offer which I found posted on JPMorgan Chase Bank 's website, & lt ; XXXX ;, as well as throughout the internet on various forums. This offer, as stated on Chase 's website, is as follows : " {$150.00} Bonus after you spend {$500.00} on purchases in your first XXXX months from account opening ''. You can see this offer in my attached screenshot, dated XX/XX/2016 when I initially reached out to Chase customer service. This offer was my primary motivation for applying for the Chase XXXX credit card from this company. The offer that they extended is what enticed me to apply ; i.e., I risked a hit to my credit score and accepted all of the risks and benefits of owning this credit card based on the assumption that I would be rewarded for using it responsibly and spending at least {$500.00} in my first XXXX months of account opening. The only " offer details '' provided on Chase 's website state that " [ The {$150.00} bonus ] is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last XXXX months. '' It further states that to be eligible for this offer, " account must be open and not in default at the time of fulfillment. '' Please see my second attached screenshot for these terms in plain text. Today is XX/XX/XXXX and to date I have not received this {$150.00} XXXX in any form, including statement credit or " XXXX '' points. I met all of the offer terms provided by Chase on their website. I was a new cardmember in XX/XX/XXXX, and my account has never been in default. In fact, I have never made a late payment on this or any credit card. I also spent over {$500.00} in purchases during my first XXXX months of account opening. I have now reached out to Chase customer service via telephone and secure online message to inquire about my missing XXXX. Their response has been to deny that any bonus offer was associated with my application that was received by them. In other words, they consider the {$150.00} Bonus offer to be specific to some customers and not to others. This is contradictory to the offer terms stated on their website, which I have quoted and captured via screenshot. I have also received emails from Chase stating if I refer a friend to use the XXXX card, they will receive the {$150.00} Bonus. The latest message from Chase customer service, dated XX/XX/XXXX, provides this rationale : " Unfortunately, a current promotion can only be applied to an account if the premium was requested within the first 90 days following account opening. Therefore, I am unable to fulfill your request. '' This is also contradictory, as the {$150.00} Bonus was only available after spending {$500.00} on purchases within the first XXXX months ( 90 days ), plus an additional " XXXX to XXXX weeks for bonus points to post to your account. '' Therefore, how could one be reasonably expected to inquire about a promotion within XXXX days when the time needed for the Bonus to appear on an account is at least XXXX days plus XXXX to XXXX weeks additional time? A powerful financial services company like Chase can not be allowed to engage in such blatant fraudulent practices without repercussion. This is bait-and-switch and it is entirely dishonest and greedy. It saddens me to think of how many other customers have fallen prey to Chase 's shady practices. I am filing my complaint with CFPB as a plea to hold Chase accountable to the terms they set forth. Chase must follow through on the promises advertised on their website with the {$150.00} Bonus offer. | ||||||
| 02/01/2021 | Yes |
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| On XX/XX/XXXX, I opened a Chase account online, and in order to waive the monthly service fee, I deposited {$1500.00} using XXXX from my XXXX XXXX XXXX account. The next day Chase suspended my account for a security issue, they did not explain any more than that and did not give me the opportunity to dispute the issue. If they won't allow me to open one for " Security reasons '', they should have stopped me from creating an account when I applied, not close it once I have deposited money into the account. I called customer service and they asked me to bring 2 forms of ID to a Chase branch to keep the account, otherwise, my account would be closed. This was not feasible as I don't have a Chase branch near my home. I decided to just close the account because I did not NEED a Chase account, I just needed my money back. In XXXX, Chase mailed me again and said " We closed your account, and the remaining balance will be mailed to you through a check. I waited 2 weeks and didn't see a check in my mailbox. I called again, Chase said " Your check is also pending for security reasons, you have to bring 2 forms of ID to a Chase branch. '' At this point it was still not feasible for me to visit a physical branch and Chase was unwilling to accommodate alternate methods such as XXXX. I had to be in a Chase branch physically. So a month later when I visited my mother for XXXX I went to the Chase branch and [ re ] opened the account with my 2 forms of ID, and to waive a monthly payment [ again ], I used XXXX to transfer a new {$1500.00} into my Chase account. The Chase branch manager was helpful, and he was nice to follow up, confirming " your money will be in your account within 14 days. Because of the holiday, that might be longer. " So at this point I had {$1500.00} in the new account and was expecting the original {$1500.00} to be deposited within two weeks. So after waiting another month, until XXXX XX/XX/2020when I was back in town, I went to the branch to follow up because I still didn't have the money. The manager was unavailable that day but called the next day, and again told me my money would be in my account within 10 days. I still didnt have it on XXXX so I emailed the branch manager again. On XX/XX/XXXX, the manager helped me file a claim for this. He told me, " They said they would temporarily credit within 10 business days. They will investigate and come to a decision. '' I waited until XX/XX/XXXX, more than the 10 business days. The money is still not in my account and nobody has followed up. After emailing the manager again he had me call the Claims Department directly. It was at this point I discovered they had closed the Checking account. I emailed the manager and he told me that the checking account would be automatically closed if there was no money inside the account for 60 days. I didn't know that. I only knew the minimum in both saving and checking should be {$1500.00}, and I had it in Savings. The checking account is where the refunded {$1500.00} should have been. They said the account can be reopened, so it is fine. Today ( XX/XX/XXXX ), I called and was on hold on and off for 2 hours being transferred between the claim department and fraud department. Finally, the fraud department promised me [ again ] " your check should arrive before Friday because it is 10 business days after account closing '' I explained, this checking account is closed because of no money in it, Im not worried about that. The {$1500.00} I have not received from back in XXXX is a completely different story, that should not be delayed because another checking account is closed. They insisted that I call again on Friday if I still havent received the check. I was on the phone for two hours today, after months of trying to get this refund. The unrelated closing of a checking account should not be a factor, they need to have a better idea of where my money is, not continuing to play a game of wait and see. | ||||||
| 04/19/2017 | Yes |
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| Hello - I officially sent the CFPB a complaint on XXXX XXXX , XXXX in regards to my mortgage situation where my full payments were being returned. XXXX XXXX from Chase bank ended up being assigned to my case and was helping me along with my XXXX XXXX XXXX lady, XXXX XXXX , to resolve this issu e ( my old case number is XXXX ). In XXXX , XXXX my XXXX XXXX XXXX lady , XXXX XXXX , had contacted XXXX XXXX from Chase bank and had worked out an agreement that if I send 5 payments ( XXXX , XXXX , XXXX , XXXX , and XXXX ) vi a cashier 's check that I could either add the othe r 4 pa yments ( XXXX , XXXX , XXXX , and XXXX XXXX to my monthly payments or just make an extra two months payment and pay the rest off in XXXX when I received my tax return money. So I chose to pay the two months of payments and pay the rest off in XXXX so I proceeded to mail the XXXX money orders for a little more than I owed for two months as I agreed to do the third or fourth week of XXXX , XXXX . XXXX , XXXX right before I received my tax return money to pay the rest off, I ended up receiving the XXXX money orders back. So I called XXXX XXXX , XXXX XXXX XXXX , and she had advised me not to send anymore payments until she found out what was going on. She called a few days later and found out that XXXX XXXX had " closed my case due to it being a CFPB case before I had finished the agreement '' so she was n't authorized to help us or speak to us about it anymore. My case was reassigned to somebody new whom which I had to explain everything to once again. This lady, XXXX XXXX XXXX , ended up contacting me and told me that the bank had sent back XXXX money orders totaling something like {$2800.00} and I stated I never received them. She then told me it was my obligation to come up with this amount of money and send it in to make my account current in order to be reinstated. I was very upset and told her I could n't believe that they send back money orders and cashier 's checks ( which I thought it was illegal to send these back anyways ) via regular mail and not certified when the bank can send me all kinds of letters via certified mail. After I went home from work and looked into my folder I realized that XXXX XXXX XXXX was wrong and that the bank only sent the XXXX money orders back totaling {$1400.00}. So I checked my online account and saw the reinstated amount was approximately {$4100.00} something, and I called XXXX XXXX XXXX to find out who I was supposed to send it in " attention to '' and what address I needed to send it to. I wanted to send the full amount to be reinstated today ( I believe this took place around XXXX XXXX ). Her response to me after she called back and left a message was that I needed to wait until I receive a letter from her before I should send the money. So I waited until the following week and received a letter saying they were charging me for almost {$3000.00} more for fees totaling the amount now to {$7000.00} something. I contacted XXXX XXXX and asked her how the bank can just add approximately {$2900.00} worth of fees i n 24 h ours and for what reason. I am trying to comply and pay the full amount. I could n't understand why the bank was trying so hard not to accept my money as well as trying so hard not to resolve this case. XXXX XXXX was on vacation so I waited until she returned to find out what I was supposed to do now. I ended up called XXXX XXXX from Chase Executive of fice and she advised me to send the {$4800.00} something amount to reinstate my account and said this would stop the foreclosure process because somebody initiated it again. The next day another person called me fr om Chase and sa id they were foreclosing on my property it is too late to do anything. I said I just spoke to XXXX XXXX yesterday afternoon and she advised me that I could send the money. | ||||||
| 05/20/2021 | Yes |
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| I received a recorded message at XXXX XXXX on XX/XX/XXXX, telling me that it was imperative that I or my attorney contact the office of XXXX XXXX XXXX immediately regarding a legal matter. The caller ID on my phone showed a local number, XXXX, as the origin of the call. The return call number was XXXX. I am an XXXX licensed in Texas, so I returned the call at XXXX XXXX that same day. A young man answered, and I told him my name and that I was returning a call. He identified himself as " XXXX XXXX with XXXX XXXX XXXX mediation services '' and asked me to verify the last 4 digits of my SSN. I refused and asked him what it was regarding ; he simply repeated his name and employer information. He said he could not discuss anything with me until I confirmed the last 4 digits of my SSN. Once I did so, he again claimed to work for a " mediation services law firm '' and said they were hired to resolve a dispute between me and XXXX XXXX. He claimed that XXXX XXXX has sent numerous notices to me at my residence, which they have not, and his firm was hired to contact me about resolving a dispute. I specifically asked him, " Are you a debt collector? Is this an attempt to collect a debt? Will any information I provide you be used for that purpose? '' He repeated, " I'm XXXX XXXX with XXXX XXXX XXXX, and we are a mediation firm hired by XXXX XXXX to help you resolve this dispute ''. I asked him, " Is XXXX XXXX a debt collector? Are you attempting to collect a debt on their behalf? '' He refused to answer, but implied that there might be criminal consequences for non-cooperation. I told him that I would not discuss anything else with him until he told me the name of the original creditor. When I made that demand, he said, " this is an account with Chase card services, and it involves an accusation that you attempted to defraud a financial institution. I can confirm the account number for you '', and he read off a 16 digit account number that may have been my old credit card number. I asked him if XXXX XXXX had purchased the charged off debt from Chase or from another debt collector, but he wouldn't answer. I told him that I'd not had a Chase account in over 10 years, that I'd not received any communication from Chase in about 10 years, that I'd not received any communication from XXXX XXXX XXXX, and I wanted to know the exact date that the account was opened, the date of my last payment, the date on which I was alleged to have breached the payment agreement, and the date on which it was charged off. He replied, " well, if you really are a lawyer, then you know the date it was opened doesn't matter ; only the date it was charged off. That was XX/XX/XXXX. '' I told him that the statute of limitations in Texas to sue for breach of contract is 4 years, that the statute had run, and that I could no longer be sued. He again made reference to defrauding a financial institution and repeated that he worked for a XXXX XXXX XXXX and was trying to help me resolve this matter ''. I told him that I would not speak to him or anyone else on the phone about this ; that either XXXX XXXX XXXX or XXXX XXXX would need to send me a written validation notice as required by the FDCPA. That all communication would need to be in writing, that I would no longer respond to telephone calls, and I would report any additional phone calls as violations of the FDCPA. I have no idea if there is a law firm called XXXX XXXX XXXX, nor do I know if there really is a XXXX XXXX. I do know that the caller used a spoofed number to reach me, refused to identify himself as a debt collector, referred to an attempt by me to defraud a financial institution, implied that I could face criminal consequences if I didn't resolve the matter, made a number of false statements about past attempts at written communication, misrepresented himself as a mediator, and refused to directly answer a number of my questions that the FDCPA requires a debt collector to answer. | ||||||
| 05/18/2020 | Yes |
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| I previously opened a case with the CFPB Case NBR XXXX and i am still needing assistance as I did not make any of the charges Chase is billing me for. In prior case Chase said the fraud charges were valid due to the following reasons : 1. Because of my spending patterns. 2. your logging on to chase.com, where you could see the transactions. 3. Phone call we received from you in XX/XX/XXXX regarding the balance. 4. There was also the delay in reporting the charges as fraud. I want to address all of this. I called Chase Executive Office 10 times during this review and left messages for XXXX to call me back. He never did. I left a message for his supervisor to call me back and that never happened. He only called to tell me he received the case and when he closed the case. If he would of returned my calls I could of answered all the questions, but it seemed he went out of his way not to return one of the 10 messages I left him at XXXX extension XXXX. 1. XXXX said Rebill as these fraud are in my spending pattern. I have had this account since XXXX and HAVE NEVER gone over my credit limit. These fraud charges took a XXXX balance account and put me over my credit limit. That is not in my normal spending pattern!. There were 3 merchants that I had previously done business as fraud charges. All these charges were fraud, but Chase did not even look that there were also more than 20 other merchants on my bill that I have NEVER done business with that Chase said is in my spending pattern. 2. Regarding longing into chase.com. My XXXX sons have account where I am a co signer on them. They have checking and savings accounts. They use my computer to log into my chase online acct to see their account information as I have my password saved on my computer. So XXXX XXXX can log in anytime to see their accounts. Also I previously explained that my son in error made two purchases with XXXX that were made on this card in error. My son logged into chase.com and paid for the two charges from my account. I had stopped using my chase accounts so I was not logging into my account online as it was my sons. So I never say the balance. Just an FYI ... I logged in now into chase.com and since I have so many accounts with chase, the account in question is all the way on the bottom of your web page. I would have to scroll down to look for that account. Your account action tabs are on the top of the screen, so you can pay bills without seeing your credit card balances. So I can process bill payments with out seeing my credit card balances. 3. In XX/XX/XXXX Chase said I called in for an account balance. I would of not done that as I paid off the account in XX/XX/XXXX and had stopped using them. I knew my account balance was {$0.00} so why would I have called? Unless it was the person who was using the account fraudulent called in. Question for Chase, did you listen to the call, was it regarding this account that had the fraud, what is the phone number where the call came from as I know you have caller ID that documents what phone number called in. 4. Delay in reporting the fraud. As I previously explained, the XX/XX/XXXX statement was delivered to me on XX/XX/XXXX as it was damaged during it being mailed to me by the United States Postal Service. That is not my fault as I can not control the mail. In addition, I was not looking for a XX/XX/XXXX statement as I had paid off the balance in XX/XX/XXXX. In closing, please refund all of these charges and interest charges related to these fraud charges as they are all fraud. I did not benefit from them like you said nor did I participate in any of them. PER CHASE REQUEST, I DID FILE A POLICE REPORT WITH THE XXXX POLICE. POLICE REPORT NUMBER XXXX Also after I received the 1st call from XXXX acknowledging they received my case, I left him 10 messages and he never called me back. In XXXX message I requested a callback from his supervisor. XXXX and his supervisor never called me back. | ||||||
| 04/10/2018 | Yes |
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| Approximately six/seven years ago I drove to Chase Bank and paid my mortgage payment through the drive through. Days later I received a check from them for the exact amount of money as my house payment. I called thinking maybe I had not written the correct account number, or something, and they were returning it, no t knowing what to do with it. I immediately called the mortgage department and was told our home was in the foreclosure process and they could not accept any more payments from us. We could not figure out why we would be in the foreclosure process, having made payments for YEARS!! I called and spoke with numerous people with Chase Bank, ensuring me they would help. No one ever did. Lots of paperwork, faxes, modifications, etc. Dozens upon dozens of people because every time I called in they assigned me to a new person and despite the " These calls may be monitored for quality assurance .... '' and people assuring me they were making notes to our account, no one ever knew what I was talking about and I would have to start at the beginning of the story all over again. EVERY.SINGLE.TIME. Fast forward several months and we have a court date. We meet twice on two separate occasions with the magistrate. On the final date for final/actual hearing, Chase Bank sends a rep to say " oops, our mistake, we can't find where you didn't pay '' and we are directed to report to local Chase Bank, who has our loan paperwork, to sign the papers to reinstate our loan. We, already completely paralyzed with fear, thinking our child is going to have to home, sign the paperwork. It is not a continuation of existed loan, it was a completely new loan starting all over again! Albeit, we should have payed closer attention, but we were so relieved to not lose the home, we basically did whatever they said. PREDATORY LENDING. Fast forward three years, I am paying the house payments and becoming more and more behind with everything else in life because of the ridiculously high dollar amounts of the payments ( {$2200.00} dollars a month on a house we paid {$160000.00} for with {$20000.00} down AND making payments on for 16 years!! I told my husband we were committing financial suicide. I went to the local Chase Bank and explained my situation to a mortgage lender at the bank. He ( the only person at this point to act like a caring human being ) asks, " You still have children in the home? ", I answer, " Yes. '' He says to me, shaking his head, " I am so sorry. You are so underwater with this you are never going to win. You need to take your son, find a nice home to rent and move on with your life. '' I called into the home mortgage department and told the same story to a representative named XXXX. He told me the best option was to fax a statement to the bank saying we wanted to release the property, deed in lieu of foreclosure. He assured me this meant we could give the house back to the bank, " no one will come after you for payments '' and it would not go through the foreclosure process and no court dates. He even gave me the exact words to use for the correspondence. Fast forward another eighteen months - two years, Chase Bank did file for foreclosure, we have been out of the house for two years now. We had a court hearing today with the magistrate. It is our understanding they have filed judgement against us for possible money if they can not get the full amount of the loan from auction/sheriff 's sale. So, in summary, we have paid for the same house, LITERALLY TWICE NOW in house payments, given the house over to them and now they want money they probably will not make on a sale because our original {$160000.00} home now has with fines, etc a {$240000.00} plus price tag. DO NOT EVER DO BUSINESS WITH CHASE BANK. IF YOU ARE ALREADY DOING BUSINESS WITH THEM, DO NOT BELIEVE ANYTHING THEY SAY. Our credit is ruined, we have been humiliated and are at an age that I do not know how we will ever financially recuperate from this. | ||||||
| 11/20/2023 | Yes |
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| Consumer Financial Protection Bureau ( CFPB ) Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against XXXX and Chase Dear Consumer Financial Protection Bureau, I am filing a complaint about a deceptive sales practice by XXXX and the lack of support from Chase. The details are as follows : - Service Provider : XXXX - Credit Card Company : Chase Sapphire XXXX - Transaction Date : XX/XX/2023 - Amount : {$4900.00} I believe the sales tactics employed by XXXX during the presale event for the XXXX XXXX concert may have violated consumer protection laws. Specifically, these tactics appear to contravene state UDAP laws, which prohibit deceptive and unfair business practices. Furthermore, the promotion and advertising of the event could potentially be in violation of the Truth in Advertising Laws, as enforced by the FTC, due to the misleading sense of urgency and scarcity created. I am concerned that these practices were not only unethical but also potentially illegal under these consumer protection statutes. I experienced high-pressure and deceptive sales tactics during a XXXX presale for a XXXX XXXX concert. After registering for an exclusive presale code XXXX XXXX XXXX XXXX ) and subsequently being told I wasnt selected and thus waitlisted ( XXXX XXXX ), There were more fans registered than there are tickets available for this tour. A limited number of fans were randomly selected to get access to the sale based on ticket availability and others were placed on the waitlist, I then received a last-minute presale code within an hour of the waitlist email, creating a deceptive sense of urgency and scarcity. I purchased four tickets for {$4900.00} under stress and time pressure, with a misleading sense of exclusivity and limited availability. Subsequently, today. I found that identical tickets are now available for much less, suggesting a manipulative pricing strategy. This experience has caused significant financial distress, and my attempts to address this with XXXX and Chase have been unsuccessful. XXXX stated this is dynamic pricing and set by the artist and therefore they can not offer a refund or credit. However, none of the purchasing process, including their terms of service, Of XXXX XXXX XXXX XXXX XXXX FAQ made clear I was subject to dynamic pricing or explained that based on demand, the tickets I purchased could eventually go for half or even a quarter of what I paid. XXXX instead briefly flashed a one sentence opaque disclaimer before I was allowed to enter the queue which was actively counting down on the screen and thus facilitated this theft by deceiving me into believe I was participating in a presale exclusive to fans. Chase said there is no category for them to place the potential fraudulent ticket practices dispute into. They said they can put it into canceled but that would mean they would have to follow XXXX refund policy which is that there are none. I am going around in circles. I seek CFPB 's intervention to first examine Chase for failing to investigate my dispute which is clearly a scam. Second, investigate these sales practices for fairness and transparency and assist in resolving this matter. To be fully transparent, I want a full refund and opportunity to purchase these tickets at fair value, equal to what the person who purchases them at the lowest price pays. Enclosed are relevant documents, including presale communications, the purchase receipt, and evidence of the current lower ticket prices. Thank you for reviewing my complaint. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Terms of Use XXXX XXXX XXXX XXXX Screenshot of supposed disclaimer which is unclear when delivered under pretenses of ticket scarcity as portrayed by presale emails. XXXX XXXX XXXX XXXX XXXX of Tickets now less | ||||||
| 08/12/2023 | Yes |
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| On XX/XX/2023 Friday at XXXX I attempted to deposit cash in the ATM at Chase bank location XXXX XXXX XXXX XXXX XXXX I put in my cash of {$1100.00} and the atm accepted most of it. Then it said a message it couldnt accept some bills and then it gave me back ( 1 ) {$100.00} bill and ( 1 ) {$1.00} bill and said I could I insert up to 23 more bills. I unfolded the creases and inserted back into the machine. Then the ATM shut down the machine, said an error message that it was no longer accepting cash and gave me a receipt saying to call a number to call chase and see if the deposit had posted. I tried to call and report what was going on but the department was closed. I researched online and found a number where I did get a live person but he said he was unable to help and call back the department at XXXX. I did call them back and opened a claim and gave them the information from the receipt from the atm and they said they cant credit my account until the investigation is completed. I tried letting them know that the {$1100.00} was to go along with other money I have my account to cover my rent check and I need them to at least credit the money to my account so my daughter and I dont get evicted. The agent then told me she would see what she can do and came back to the phone and stated there was nothing she could do. I asked to speak to supervisor and I spoke to him and he said there is nothing he could do. I was told it would take a minimum of 10 business days before anything can be done. I tried telling them I dont have 10 days because I will be evicted by then and I was told thats the process and they issue the temp credit to my account. I asked if they could pull the camera, count the money in the atm and I know it would be over with the last money I was able to insert and it would be unaccounted for. They still just told me they cant help me. Around XXXX AM I went to the the same branch and spoke with a person name XXXX and told her what was going and she eventually told me after contacted the department to try to help me get the credit there is nothing she could do and the person on the phone told me the same thing. I even told them to look at my account and they would see I pay my rent the same time every month. XXXX did do just that and tried to point that out to the department to see if they would issue me the credit. They told her no and me no because it was too much money and implying if it had been a smaller amount then they could help me. I couldnt help but cry because I didnt how to tell my daughter on her birthday by the way we was going to be evicted because XXXX XXXX to count the money in the machine and find the overage and credit that my to my account so that I wouldnt get evicted. I was told before I left the bank they wont probably cover the check even though I have overdraft protection on my account as well. At XXXX I received a call from the branch XXXX name XXXX and she said that her employee XXXX XXXX my situation to her attention to see if she could help. So she ask me to bring the receipt back the branch and she was going to see if she could get me at least the credit to my account. I took the receipt back up there a little after XXXX and she made copies and she told me she would try to help me but I never heard back from her or anyone else the rest of that day. I woke up this morning and there still no money or credit to my account. I called to get an update and was told by an agent there will be no update because they dont do. The investigation on the weekends. XXXX XXXX want to do anything to help me with this matter that is not my fault and all did was try to put money in their machine at the branch. I need fast immediate help right now before I get evicted when this check come back unpaid to my rental company. I cant get evicted because I tried to pay my bill. This is unfair and I need someone to care and make this right. I did nothing wrong but Im being severely punished. | ||||||
| 05/26/2022 | Yes |
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| CHASE WIRE FRAUD XX/XX/XXXX, XXXX My name is. My husband, and I, as well as our seasoned Realtor, and Loan Officer are all victims of a fraudulent Real Estate Purchase Agreement and fraudulent Wire Transfer through Chase Bank. Here is the timeline of events which took place : Mon. XX/XX/XXXX : Wire transfer sent from Chase Bank in the afternoon of XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX XXXX This was a good faith deposit for the home we thought we were purchasing. The lease was up in XXXX and we all decided it was a good time to sell/buy. All of us negotiated the Purchase Agreement over a course of several days and finally all parties signed and were ready to move forward with the agreement. XXXX XX/XX/XXXX : Chase Bank called me in the a.m. and alerted me to what they thought was an unusual recipient name/account for XXXX XXXX XXXXXXXX XXXX Recommended that the wire be cancelled and suggested getting new wiring instructions. Wire canceled ( {$10000.00} ) Asked Escrow Manager ( XXXX XXXX ) and Broker/ Property Manager/Realtor ( XXXX XXXX ) to resend the electronic wiring instructions. Seemed unusual. XXXX XXXX stated he made error and re-sent them. New Instructions sent via a password protected email of which was then sent to my cell via a text to be able to access the instructions. Transaction appeared legit. Our loan officer reviewed the instructions and I resent the wire of {$10000.00}. Received pending confirmation. Noticed some discrepancies from that confirmation email. Within 30 min. received call from XXXX XXXX. He called XXXX XXXX and they had no Escrow Manager or employee with that name. Wire # 2 cancelled within 30 min. of time it was sent Chase phone representatives informed me that the wire was completed and it couldn't be cancelled. False. They had just cancelled the wire I approved and sent about 12 hrs. prior ( the day before ). For the next 6 hours I began collecting proof of the fraud to present to Chase We worked tirelessly to retrieve our money immediately. I filed a local police report and an FBI report. Chase contacted numerous times asking them to freeze the Chase recipients account so they would not have access to these funds. They stated it was not possible. Post XXXX-current Requested Wire fraud updates through Secure Messaging, Upper Management called -- brief conversation about you dont have a case because its closed, escalated case with Local Branch Manager and our Bank Representative. Filing complaints to help us get through to our Branch here in XXXX, CA. We have been extremely disappointed with the lack of professionalism, lack of transparency and lack of accountability with Chase Bank representatives, Management, and Upper Management. There has been a marked lack of sincere desire to help us as Chase clients. We have asked numerous times without success to receive status updates on our case or simple documentation on what is taking place and when we could expect to hear updates. The constant thing we were told to do was to reach out to the Wire Fraud Department ( which doesnt exist or have phone numbers to talk live to anyone or leave any voicemails ) through the secure message center. We were told by someone in Upper Management who I requested call me that we can not write any letters detailing anything about the case because their lawyers would have to approve it first. Unbelievable! We were told conflicting information about our case when we pushed to get any information which only increased our aggravations. Please address this concern on our behalf and help us get what we justly deserve. Thank you!!! My husband, _________l, and I have been members of Chase Bank since XXXX. We have numerous business and personal accounts. Due to some very unprofessional, disappointing and anger producing interactions with the Chase Wire Fraud Department along with upper management, we are strongly considering taking our banking elsewhere. | ||||||
| 04/28/2022 | Yes |
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| My name is XXXX XXXX XXXX SSN XXXX and phone number ( XXXX ) XXXX. XXXX XXXX XXXX, I took out a {$160000.00} ( 30 year fixed rate 6.75 percent interest rate ) 1st mortgage with Chase Home Finance ( my loan number was XXXX ) on a single family home, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. During the period between XXXX, I occasionally experienced problems paying my mortgage, I would get behind, then enter into a payment plan, with the arrears payments added to the monthly payment, etc. Each time, during the loan repayment periods, there were many instances when Chase rejected the payments and immediately returned the wire transfer payment to XXXX XXXX via wire transfers, and I would be notified by XXXX XXXX to return to a XXXX XXXX XXXX to receive my returned wire transfer payment, then Chase would cancel the loan payment agreement. A few months later, I would request another loan repayment agreement, Chase would allow me to begin a new repayment play, then they would begin rejecting the payments again, that I had been sending via XXXX XXXX wire transfer. In XX/XX/XXXX, I again applied for hardship ( I have attached the hardship letter dated XXXX XXXX requesting a loan modification and trial payment plan ) and I subsequently entered into a new trial period, towards the end of XXXX, Chase agreed to a new 3-6 month trial period, then a loan modification was sent to me in the first in the first quarter of XXXX, then they began foreclosure before I accepted the loan modification that was offered, which was a modified loan agreement, which was a 40 year loan with a 4.0 percent interest and the loan amount had been increased to {$200000.00} ( I have no explanation why the loan amount increased to {$200000.00} ) after having paid down the loan amount to {$150000.00} over the previous 13 years. I accepted the agreement to avoid foreclosure by Chase, and I made my monthly mortgage payments each month on the new 40 year loan until XX/XX/XXXX when my job ended and I have not been employed since XX/XX/XXXX. As of XX/XX/XXXX, I am now eighteen months behind on my mortgage payments and on XX/XX/XXXX, I was served with a notice for foreclosure. This is the bottom line issue regarding my loan with Chase. I took out a {$160000.00} 1st mortgage in XXXX XXXX with an fixed interest rate of 6.75 %, Today is XX/XX/XXXX, and I have been paying on a loan with an original loan balance of {$160000.00} for twenty one years, I have thirty four years of payments remaining on the loan, and I now have a remaining balance of {$180000.00} on the loan, plus I'm eighteen months behind in payments, and facing foreclosure. In summary, I borrowed {$160000.00} at 6.75 % for thirty years in XXXX XXXX, and on XX/XX/XXXX, I have XXXX XXXX years remaining, a balance of {$180000.00}, and 18 months payments in arrears on the original mortgage of {$160000.00}. If I were to continue paying the mortgage, and make up the eighteen payments in arrears, and terminate foreclosure, I will have to pay mortgage payments for a total of 53 years in order to pay off a {$160000.00} loan that I took out in XXXX XXXX. I believe, I the balance of my original loan was unfairly increased by {$50000.00} and another forty years was added onto a loan that I had already had for 13 years in XXXX, when Chase gave me a loan modification. loan balance should be adjusted downward to accurately reflect the proper balance for a {$160000.00} loan with payments in arrears. I don't understand why the balance of my loan increased by {$50000.00} in XXXX, when Chase modified my loan. I would also like to be given an opportunity to reinstate my loan and make up the back payments on the loan over a 3-5 year period of time, or have the eighteen months payments in arrears written off, and allow me to begin making payments again at the {$1300.00} monthly payment that I had been making since XXXX, before my employment ended in XX/XX/XXXX. | ||||||
| 09/23/2021 | Yes |
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| On XX/XX/2021 I sent a check for the full payoff amount ( {$14000.00} ) for my leased vehicle via USPS First-Class Mail to Chase Auto Finance XXXX Chase received this check and processed it on XX/XX/2021 with a recorded sale date of XX/XX/2021. The full amount of the check was cleared and withdrawn from my bank account on XX/XX/2021. At this point I was waiting for Chase to provide me with the Certificate of Title for the vehicle that I purchased. I received the Bill of Sale, Sales Tax Receipt, and Certificate of Title in the mail on XX/XX/2021, 37 days after my payment had been processed. However, the Certificate of Title that I received was incomplete, missing a signature from a registered agent on behalf of Chase Auto Finance. I took the incomplete title to the XXXX XXXX County DMV on XX/XX/2021. The employee informed me that she had to reject my transaction request due to the missing necessary information on the title. I called Chase Auto Finance immediately afterwards on the same day, and the customer support representative asked me if the DMV was willing to accept an affidavit of correction for the original title in lieu of a completed title and the necessary signature from a registered agent. I then called the XXXX XXXX County 's public phone number to ask if an affidavit of correction was a suitable replacement for a correct Certificate of Title so that it could be legally transferred into my name. The individual that I spoke to on the phone confirmed that an affidavit was not a suitable replacement for the corrected title. At this point, I called Chase Auto once more immediately after my phone call to the DMV. The Chase representative instructed me to send the title back to Chase so that it could be correctly filled out once again. She provided me with an estimated completion date of XX/XX/2021 and indicated that she requested the Title Department at Chase to expedite the request and send it back to me overnight via XXXX. On XX/XX/2021 I sent the incomplete title to Chase via USPS Priority Mail as well as the transaction rejection documentation that the DMV provided me, and a letter explaining my request. The USPS indicated that it would be delivered by XX/XX/2021 with a cost of {$8.00} for tracking and postage. On XX/XX/2021, I received notification from the USPS that the mail had been delivered at XXXX XXXX. On XX/XX/2021, I called Chase Auto once again to inquiry about the status of my title. The representative indicated that she had no evidence of the mail having been received. I provided her with the tracking number from the USPS, confirmed that I sent the mail to the correct address, and informed her of when the USPS reported the mail having been delivered. She was unable to provide any further assistance, but recorded the information I gave her and indicated that the follow-up date would be XX/XX/2021. On XX/XX/2021, I called Chase Auto once again to inquiry about the status of my title. The representative indicated that she had no evidence of the mail having been received. I once again confirmed that I sent the mail to the correct address, provided the tracking number once again, and provided the reported delivery date and time once again. I asked that Chase request a replacement title from the state of Colorado, fill it out correctly, and send it overnight to me. The customer support representative refused to do this. She said that she added more information onto the pre-existing support case that I had opened, and she provided a new follow-up date of XX/XX/2021. I indicated that this was no acceptable and was forwarded to a supervisor. I spoke with her supervisor, and he said that he sent an email to his counterpart in the Title Department at Chase and hoped he would eventually receive a response. I still have not received any information about the status of the incomplete title, and have not received the title for the vehicle that I lawfully paid for 58 days ago. | ||||||
| 07/05/2023 | Yes |
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| On XX/XX/XXXX at XXXX am went into the XXXX XXXX XXXX office of JP Morgan Chase in XXXX CT. Originally had an appointment with XXXX XXXX in regards to a HELOC account that had been compromised with a withdrawal of XXXX without any authorization, however he was unable to help us ( mother and myself ) and referred us to the new branch manager XXXX XXXX. XXXX XXXX XXXX was helpful that day to finish up paperwork for the new HELOC account due to the compromise. He gave us copies of internal emails that were sent to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XXXX XXXX from the home loan support department to have us come in and finish the paperwork. We never received any notification from XXXX XXXX that this paperwork was waiting for us to complete. When we spoke to XXXX XXXX XXXX that day on XX/XX/XXXX we explained the situation on the HELOC account and requested to close out the checking account as well. On the recommendation of XXXX XXXX XXXX that day he stated, " Don't close it out yet. Don't worry about the service charges. We can refund them. That way when you get this money back, it will be easier for them to deposit it into the account. " ( there were 4 of us ( mother, sister and my husband ) there that heard this recommendation. On XX/XX/XXXX, I emailed XXXX XXXX XXXX to request a refund of all the service charges at that time of {$50.00} into the account so I could close the account. I never heard back from him so I scheduled an appointment for XX/XX/XXXX to close the account. The online appointment scheduled me for someone else at the branch. There weas no option for me to chose who I wanted to speak with. On XX/XX/XXXX, at XXXX XXXX I walked into the branch and the teller behind the counter asked if I needed help and I said no I need to speak with XXXX XXXX XXXX ( which was standing behind the counter ). I started to ask him to refund the {$75.00} in services fees and he became very irritated and extremely rude to me stating. " I can't help you anymore! I don't have anything to do with your mother 's HELOC account. '' I then proceeded to tell him. " I am NOT here for that and all I want is our {$75.00} back into the checking account so I can close it out. '' He then proceeded to tell me " I can't give you any money back. the case for the HELOC account is closed. '' I then explained to him it wasn't and he again rudely stated that " I am not refunding your money. '' I then stated that " you said to NOT close the account and you would refund the charges. NOW you are not going to do that?!!!! '' " You have the authority to refund my money at your discretion, you can refund me. '' he again said no. I then became very upset and withdrew the remaining amount in the account instead of closing it because when I asked about the copies of the transaction online and asked how come I wasn't able to go back the 7 years like it stated online. He snapped at me and said, " I don't know, we can call the help desk de and ask them. '' I asked if I could request copies of all our checking account statements from XXXX when I was added onto the account after my father passed to present. He again extremely rude and cut me off as I was speaking said, " We need a letter from the state stating a 5 year look back then we can give you the copies for free. If not you will be charged. '' So, I said " Ok let 's call the help desk. " He snapped " I am not calling ; you can call the number on the back of your card, and they can help you. '' He then finished the transaction and gave me the balance remaining in the account and I left. I am filing the complaint about XXXX XXXX and his lack of communication and competency do take care of the HELOC account paperwork, I am filing a complaint about XXXX XXXX XXXX and how he advised us to leave the checking account open and he would refund the services charges and then didn't and his rudeness and unprofessional manner in which he handled the interacting with me. | ||||||
| 05/16/2021 | Yes |
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| Chase is holding me personally responsible for a business credit card without providing any verification of a legal reason for me being responsible. When asking multiple times, I was sent a letter stating when I received the card that I had applied to be the financial guarantor ( Letter Dated XX/XX/XXXX ). However, no documents were provided to show this and this contradicts the reason several other Chase associates stated. Chase reported on my personal credit reports the business credit card without notifying me prior to reporting it as an individual debt and did not provide any statements to me personally prior to reporting it past due or since this has begun. Chase was notified of the dissolution of the company in XXXX, both in person at the XXXX Florida branch upon closing multiple accounts and also via mail. At no point did Chase notify me that they were going to claim I was personally responsible for the business credit card. No letters or correspondence was sent, nor were any statements sent to me personally to inform me of this prior to them reporting the account past due in XXXX to the credit bureaus. I only became aware of this after I received a credit alert that my score had gone down over 100+ points. After multiple calls and letters requesting an explanation, I received a business card agreement. This agreement does not define or explain the claim stated in the letter of XX/XX/XXXX, of me being a financial guarantor. The account agreement also states that the legal responsibility : the person who applied for the account using his/her social security number and ( 2 ) the company. As I stated to Chase I did not apply as a financial guarantor of the company nor did I provide a social security number. This was a business-only account secured and received only by the business a PLLC that ceased operations in XXXX of XXXX and dissolved in XXXX of XXXX. No other documentation has been provided by Chase to verify any of their claims. Chase demanded I pay the full past due amount prior to them verifying the debt and offered a promotional rate for the debt. When I then called back to verify I would pay the debt as long as they were providing the proof and promotional rate, Chase stated I was not eligible for the promotional rate and stated I was not qualified based on the application I provided. An application I never filled out or provided. Due to the over 100+ point damage to my credit and multiple other credit cards being canceled due to the reporting of the debt by Chase , I felt I had to pay the debt to try and reduce the damage to my score and my life. I asked Chase to remove the past due months since I did not receive any statements and had no knowledge of the debt being an alleged personal debt, Chase stated. There have been no errors regarding correspondence or otherwise communication. As a result there are no errors to correct. ( Letter from XX/XX/XXXX ) I paid the debt in good faith that they had some verification of the debt that I had an individual obligation. To this date, no verification has been provided. I still have not received a statement in my name for the credit card. I have also not received any documentation of why Chase is still claiming the credit card debt is somehow my personal debt. They have used incredible stressors and pressure on me by devastating my credit and requiring me to pay the account current and still have not provided what I would think would be needed to verify the debt. I have never received any statements in my name for the months the card was not paid and any explanation of why this debt I would be responsible for. To this date, I have not received a statement in my name. I have explained repeatedly that the company is dissolved ( dissolution State of Florida ). Which they state they will only send it in the company name with my name also. This is not how any of the letters have come, but I have not received a statement as of XX/XX/XXXX. | ||||||
| 08/24/2018 | Yes |
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| MERCHANT : XXXX AMOUNT : {$4100.00} CLAIM REFERENCE # XXXX CHASE CARD XX/XX/2018Chase XXXX XXXX Dispute Department Re : Dispute XXXX Card OnXX/XX/2018, my spouse,, contacted one phone call XXXX to book a reservation for XXXX XXXX fare tickets from XXXX TO XXXX XXXX trip. She paid with 3 separate credit cards for a total amount of {$9400.00}. XXXX stated on their recorded line free cancellation within 24 hours to affirm her that this was the lowest possible deal she was getting, because she was going to wait to book. Credit Cards used for the total transaction : - Unfortunately, XXXX did not disclose clearly the additional charges, fees, and billed incorrectly. The total amount that was stated on the phone differ from online confirmation portal/ pending charges that was updated after the booking. The portal email was changed/updated without her knowledge. She is unable to view the initial email. They have switched the confirmation on the documentation. On XX/XX/2018, my spouse went online tried to cancel the reservation within the 24 hours. She called and XXXX refused to cancel because tickets are non-refundable and refuse to help. Phone was transferred the person stated to click the portal password and will need to pay cancellation fees. She refused to pay and the phone clicked off. She notified online for someone to contact her as per email, but once again line disconnected. She immediately called Chase to notify them the entire situation. Chase stated amounts was still pending and will able to dispute online after the pending is charged. I thought this was resolved in XXXX and now my credit charged is being charged by XXXX. I would like to report fraud against XXXX and my privacy concerns with my information. I did not give them authorization to charge my credit and will not pay fees to cancel within 24 hour period. I have all the documentation and additional details of fraud. To resolve the problem, I would appreciate to be fully credited. I look forward to your reply and a resolution to my problem before seeking help from federal trade commission, aviation consumer protection and the XXXX XXXX XXXX. Below is an index for documentation which I am confident shall support my dispute. ATTACHMENTS : 1. Email from XXXX XXXX XXXX after the initial cancellation request, the date shows XX/XX/XXXX at XXXX XXXX, well within the 24 hours flight booked at around XXXX XXXX on XX/XX/XXXX 2. Emails from XXXX XXXX XXXX XXXX requesting we pay for the tickets despite the charges being disputed evidence which indicates a booking on XX/XX/2018 XXXX XXXX 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX where calls were made to XXXX XXXX XXXX XXXX when in the booking process and then on the XXXX at XXXX when attempting to cancel the tickets evidence of cancelling within 24 hours 4. Screen shots of charges of each credit card used, showing the date of original booking 5. XXXX statement showing they refunded the disputed {$4000.00} amount from XXXX XXXX XXXX 6. Chase XXXX charge dates on statement 7. Tripit non-affiliate to XXXX XXXX XXXX to keep track of trips/itineraries/etc shows manipulations XXXX XXXX XXXX made to the booking that will not inform the client via email. Note : The original booking ending in XXXX, then another ending in XXXX, and slight variations in booking title for reasons unknown possibly to challenge charge dispute by making slight variations in numbers/names 8. Chase Statements indicating dispute and accounts credited 9. XXXX XXXX XXXX information about cancellation/refunds We contacted Chase within 24 hours of booking/cancellation. We were not able to dispute due pending. The pending charges were disputed after few days due to " pending ''. Chase credited us and then the charges were rebilled by a third party and again we dispute the charges for third time. Chase has yet to resolve the dispute since XXXX and its about to be XXXX. we are unable to use the credit for big purchases due to this dispute. | ||||||
| 12/30/2021 | Yes |
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| In early XXXX of XXXX, I was contacted through the app, XXXX, by a lady by the name of XXXX who " accidentally '' contact me thinking she was reaching out to a business partner. I blew it off but she mentioned that maybe we could help each other with our businesses. I thought that was fine and even told my wife about the encounter. Over the next few weeks, she mentioned trading on a platform called XXXX and XXXX that does foreign exchange trades. She mentioned if I wanted to learn how to do it that she could help teach me. So I reluctantly said ok to that thinking it was legit. She showed me how to trade, put me in touch with a broker that she " uses '' and I got set up on the XXXX trading platform. There were three people involved with this. XXXX, a guy name XXXX helped inform me when to go in and out of the market, and another guy named XXXX that helped with the brokerage and helped to tell me where to send my funds to various banks. In order to get funds to the platform ( which I found out later was all fraudulent ), I had to transfer funds to a bank account that they had set up. Each time I would transfer funds the bank name and account would occasionally change but they claimed it was for tax reasons only. They provided documents for the brokerage trying to prove they were legit. I ended up testing the platform with her advice and using a trading professional named " XXXX ''. She said using his advice you would do well. I tried it, it worked, so I tried it again. But at some point during trading, I would end up losing everything and she would push me to put more and more in. She would even match what I was putting in to help me " recover '' the funds faster. She always showed what she earned and it was large amounts of money. The pressure to pay back and earn back the losses was great. I got advice from my tax advisor and he said that the money I put in would never be recovered and that the entire thing was a fraud. I immediately started looking online and noticed that I was part of a big scam called a 'pig butchering scam '. I immediately tried to get funds out of the account but I magically lost it all again. In total, I ended up losing about {$140000.00} dollars. This all happened between the periods of XXXX to XX/XX/XXXX. At the end of XXXX I reached out to a site called XXXX to get help and they've pointed me to many resources to try to get my funds back. Each transfer was made to a JP Morgan Chase Bank or to a XXXX XXXX XXXXXXXX. When I tried to go through my institution to return funds back they were denied as the accounts were closed. I attempted that twice on two different occasions. My bank is with XXXX XXXXXXXX XXXX XXXX and I worked with XXXX XXXX, an account specialist there. Here 's a brief timeline of events : XXXX- was first contacted XXXX to XXXX - traded and made transfers to various banks to increase funds into XXXX. The exact trade amounts are attached. I can provide accounts and banks as well. XX/XX/XXXX {$4000.00} XX/XX/XXXX {$5800.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX I contacted my local police to file a police report claiming the fraud. XXXX I contacted XXXX XXXX for identity fraud. They took my case to work to receive funds. They took my case and I was sent to work with XXXX. XXXX through XX/XX/XXXX - worked with my local bank, XXXX XXXXXXXX XXXX XXXX, to get funds back from banking institutions. Each was rejected as accounts were closed. XX/XX/XXXX - I received a letter from XXXX that my case didn't apply for identity protection coverage. XX/XX/XXXX - Told through XXXX to try to apply with CFPB for help. | ||||||
| 05/12/2015 | Yes |
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| A blameless mortgage borrower is being forced to bear the burden of what was at most an act XXXX aggravated by the lending bank 's negligence. The facts are as follows : Faced with payment shock -- a tripling of monthly payments in the near future and the prospect of future financial hardship -- borrower fedexed JP Morgan Chase ( hereinafter 'Chase ' or 'bank ' ) a documented loan modification application on XXXX/XXXX/15. Borrower has never been delinquent or even late in her payments on either this loan or a prior mortgage held by Chase ( long since paid off ). Neither a NOD ( Notice of Delinquency ), nor steps leading to foreclosure were ever taken by Chase. On XXXX XXXX borrower received a mutilated and mangled rejection letter with enclosures. Too late to call on the XXXX, a call to Chase 's so-called 'single point of contact ' was made very early the next morning seeking a replacement duplicate copy. Repeated calls to alert the bank that a replacement copy still had n't been received were made on XXXX/XXXX/15 XXXX XXXX XXXX XXXX, XXXX/XXXX/15 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX XXXX, XXXX/XXXX/15 XXXX and XXXX/XXXX/2015 XXXX XXXX XXXX XXXX. They were all met with recurring promises of the bank 's immediate action including several statements that it was already in transit. Yet a fully readable copy did not arrive until late XXXX/XXXX/15 ( postmarked XXXX/XXXX/15 ). At the same time, Mr.Yates and XXXX levels of supervisory staff above him ( XXXX XXXX & XXXX XXXX XXXX refused to suspend the running of time to appeal or to extend the due date of the appeal. Indeed, Chase even refused to recognize that the due date on a Sunday automatically extends the time to the next business day or Monday XXXX XXXX. It took several calls and a trip up XXXX supervisory levels to overcome that refusal. While a delinquent borrower might try to delay foreclosure proceedings with all sorts of appeals and extensions : THAT IS NOT THE CASE HERE. There is no looming foreclosure ( or even a possibility ). This loan has never been delinquent or late in its 10 year life. In fact, Chase held the predecessor mortgage -- also without any delinquency. So there is a 20+ year spotless history with Chase XXXX More time to file a well-researched and reasoned appeal with documented facts WILL COST CHASE NOTHING in either time or money. Nothing is pending. No NOD 's. No foreclosure proceedings. Nothing... All we seek is enough time to gather information and evidence showing material defects in Chase 's loan mitigation inputs and analysis. This includes house valuation, gross income, and erroneous liabilities listed in their modification letter, etc. It is not the borrower 's fault that the modification rejection letter arrived mangled and its replacement took 20 days to arrive. At least, half a dozen documented calls were made ( starting the day after receipt ) seeking a viable replacement copy. Moreover, Chase 's own denial letter calls for " written detailed reasons why you ( sic ) disagree with the outcome of your ( sic ) application. '' ( denial letter dated XXXX XXXX, 2015 at XXXX ) Yet, borrower is being wrongfully deprived of the necessary time to request information and to rebut errors with documented facts. There is enough facial evidence showing significant errors were made, such as Chase 's erroneous lowball property valuation used in their NPV analysis, but the time necessary to detail the opposing facts and to determine their import to Chase 's denial has been wrongfully withheld. Chase insistence that the time to appeal still be counted from XXXX XXXX is facially and logically unfair. Borrower understands that, by law, lender is not obligated to grant loan modifications. Although Chase may not be legally obligated to grant them, once it establishes a loan modification review process, it is obliged to administer that process in a fair manner and in good faith. It has n't. At the ti | ||||||
| 01/12/2021 | Yes |
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| A fraud transaction happened on XX/XX/2020, around XXXX XXXX. CST by accidentally dropping one XXXX XXXX XXXXXXXX XXXX XXXX and one Chase Sapphire Reserve Credit card ( must have slipped out of my wallet ) when filling out the gas at XXXXXXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). As I was working out in XXXX XXXXXXXX XXXX after that, where I checked in at XXXXXXXX XXXX CST, two fraud incidents happened {$280.00} at XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ) and {$2300.00} at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I reported the stolen credit card and debit card, and XXXX XXXX XXXX took care of it. Chase also gave the credit back, and I assumed everything was taken care by Chase. On XX/XX/XXXX, which was months after the incident happened, I logged into Chase and noticed the large dollar amount that I have to make a payment by XX/XX/XXXX. I scrolled to see what happened, and I noticed that the fraud transaction on XX/XX/XXXX charges came back. I called Chase to check what happened, and the XXXX XXXX department explained that it could not find sufficient evidence to verify these were fraud transactions because the merchants provided my name and my address. I followed by filing the police reports, one in XXXX and one in XXXX, to investigate further and get the XXXX footages so I can provide further evidence to Chase. On XX/XX/XXXX, Chase called back and decided to close the case saying there was no sufficient evidence to prove those were fraud transactions. Basically, Chase was explaining to close the case because the merchants had my home address and my name, and these looked like the valid transactions. Here is my case for filing the complaint against Chase for not performing a due diligence for its consumer to throughly investigate the fraud transaction. 1. Chase 's ambiguous process around the valid actions for the consumer to take when fraud transaction happened : - Chase explained that the fraud department has 90 days to start with the investigation, but it is really customer 's job to reach out the merchants and to gather the evidence in the time period. This was not made transparent to me, and Chase did not due its due diligence to make it clear. 2. Chase 's reckless and outrageous decision to close the fraud case without having sufficient evidence : - Chase 's decision to close the fraud transaction case simply based on the merchant 's ability to provide customer 's address and credit card holder 's name is simply not understandable. Chase should close the case if and only if it did the full diligence to investigate and worked with police to acquire the sufficient evidence to investigate that it was a not a fraud. XXXX. Chase 's decision to end the case when the customer is not reachable during a certain time : - Chase 's representative explained that it was trying to reach me in XX/XX/XXXX, but it could not get hold of me. I was at a vacation, for XXXX 's sake. And with so many spam calls I get these days, I get reluctant to reply all the calls if it is from an unknown number. Chase decided to close the case because I was not reachable during that specific time. But I did not even got an email explaining that the fraud investigation was taking in place. It is not right for Chase to decide to end the fraud case by its own ambiguous policy without letting the customer know what is required. 4. Chase 's decision to charge the fees to its customer after months later : - Chase, without properly verifying that this is not a fraud transaction and without getting the understanding from its customer, should not charge the fee to the customer. This is really a bad business practice that should not be allowed. Thank you. I will further work with Chase and local police departments, but I need to file this complain report to make sure that this complaint can be properly handled. I will go far as suing Chase if this case does not get resolved. | ||||||
| 09/28/2022 | Yes |
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| Chase agents blatantly lie to customers on recorded lines and threaten to take adverse actions. I initiated an ACH transfer on XX/XX/28 to my XXXX account. I noticed the status was stuck in Pending status for a long time, so I called them at around XXXX in the XXXX. I was told that they see why it was stuck but they have done everything that was needed to push it through and that it will be available in my external account the next day. That was the first lie. An hour later I get a call from someone named XXXX saying that he was calling me from Chase Fraud department. When I asked him to provide any information to prove that he was indeed calling me from Chase, he refused to do that. I found it very surprising that someone from Chase would be calling me even after I was already told my transfer was good to go. So I reluctantly give him my information and then he tells me that he is rejecting my transfer request and when I question him why, the summary of his answer was " just because Chase can ''. I repeatedly requested him to transfer me to a supervisor and he flat out refused. So I called the Chase Fraud dept on my own. I got a very helpful agent named XXXX, she asked me a few questions and assured me that the transfer has been approved and that it will change from Pending to Funded in the next XXXX XXXX and then if it doesn't change in the next XXXX an XXXX I should call them back. So I waited an XXXX and a half and called back. I got a really rude agent XXXX, who straight away put me on hold for XXXX XXXX and then comes back and says that it will take them up to 2 days to approve the transfer and they might or might not approve and it will take 3 business day to send the money if approved. When I told her that this was totally different from what I was told earlier, and what the website shows ( availabe date as XXXX ), she became even more nasty and put me on an infinite hold. I saw no other option but to hang up and call again. This time I got another agent called XXXX who kept changing her story, first saying it is pending approval, then it is already approved, first it will show up in XXXX business day, then it will show up by tomorrow. When I told her that she was giving contradictory answers, she became extremely ride and kept interrupting me repeatedly. She ignored my request to give me a supervisor till I told her that my only other choice is to file a complaint with CFPB. And now I am again on an infinite hold for a supervisor. So I thought, I have already wasted XXXX XXXX chasing this small XXXX transfer, let me utilize this time to get this complaint to someone at Chase who might actually care about customer service. I hope this complaint goes to someone decent at Chase who cares about customer service. I get that you can do whatever you want as per all the account agreements and what not, and I am just a lowly client and you are the big bank. The only thing I ask is to please treat the clients with a little respect and don't threaten to reject or cancel their requests just because you are upset that they asked you to verify that you work for Chase. All your own security guides say to verify that the person is indeed calling from the bank they claim to be calling from. The way this person XXXX spoke to me was like he can do anything he wants. So while I was typing this, I got hold of a supervisor named XXXX. She again was very polite and nice and she assured me that she will make sure that my transfer will go through and reach the other bank by tomorrow. She also said that she will note down my complaint about XXXX. So, so far I have been told by told Chase agent, XXXX and the supervisor XXXX that this transfer to XXXX account will be/has been approved and will reach that account by tomorrow, the XXXX. So I am hoping my transfer goes through, but I still wanted to send this so that someone at Chase can hopefully look at this and do something about this. Thank you | ||||||
| 09/11/2022 | Yes |
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| Companies involved : JP Morgan Chase and XXXX On Saturday, XX/XX/2022 at approx XXXX ( est ) I put a speaker set up for sale at {$350.00} on the XXXX XXXX XXXX XXXX At XXXX ( est ) a user by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX contacted me by XXXX XXXX asking if the product was still available and wanted to pick up that day. XXXX asked if I used XXXX so she could transfer the {$350.00} to my account. XXXX was available through my Chase app and I set it up. XXXX asked me for my email address to find my XXXX account - ( I didnt think anything of it because this is normal with XXXX XXXX XXXX XXXX XXXX but this is how she was able to send me the scam emails I received later. ) XXXX stated she transferred the {$350.00} and sent me a screenshot of a XXXX XXXX XXXX confirmation ( I assume this was fake ). I never received the money, but then received an email that the money was put on hold because of a {$200.00} limit. That in order to release the {$350.00} I needed to refund the buyer {$200.00}, then I would be refunded {$550.00}. I first called XXXX, and asked why the money was on hold and why my account needed to be upgraded to a business account. Ive never heard of this practice. Why did I need to refund the buyer {$200.00} to get my money. XXXX told me it wasnt their problem and I had to call my financial institution. AT THIS POINT they could have told me they do not do this, and it was a scam. I called JP Morgan Chase, and explained what was happening. The representative thought it had something to do with how I set up my account. I had my phone number as my primary and not my email. So that would not allow the money to come through. At that time she told me she saw where a transaction had declined and did not go through. But my limit was {$2000.00} for my XXXX so she didnt understand why account needed to be upgraded. IF THE SCREEN SHOT WAS FAKE, did the rep even see a declined transaction? I talked XXXX and JP Morgan before I sent the {$200.00} to the scam/fraud individual. After I sent the money, I got a second email saying I needed to send another {$300.00}. At that point I knew it was a scam. XXXX left the chat, she knew they had been caught. I called XXXX back, told them what happened. I gave them the email address XXXX and they verified that it was not their email and I had been scammed. There is nothing they could do, they have nothing in their process/policies to reimburse customers and that I used XXXX at my own discretion knowing the risk. They recommended I call Chase to see if I could file a claim. I called JP Morgan, explained everything above. They transferred me to their claims department. They told me the same information that my report was not eligible for review because I used XXXX at my own discretion knowing the risk. I told them I was disappointed in the service because I trusted them with my money. I called not only XXXX but Chase asking for their support before I even sent the scammer the {$200.00} and I was led to believe there was no problem or concern. All of my calls should have been recorded and account noted. Its truly disheartening to know that I contacted both companies before the transaction took place because I questioned it, and no one said anything. XXXX especially had the opportunity to tell me that the business account and refund request was not apart of their practice. It would have stopped everything before it happened. I tried to do the right thing, ask the right questions. But neither company wants to help me recover my {$200.00}. If it had been money on a JP Morgan credit card you bet their fraud protection would kick in and recover whatever amount was taken. But XXXX the customer. Train your employees better on fraud protection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we take it seriously. After this incident Im strongly considering closing my Chase account and moving to XXXXXXXX XXXX. | ||||||
| 10/27/2017 | Yes |
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| ***UPDATE *** On XX/XX/XXXX, I received the following explanation from Chase, however, in no way did this answer my questions. As their statement only confirmed my complaint. The Cardmember Agreement does state that use of the card is based on the acceptance of the agreement, and that you have the ability to not authorize a transaction, and that you may obtain a credit report for review. What the Cardmember Agreement does not state is that the account may be closed without notice for any information obtained from a credit report review. In fact, the Cardmember Agreement states the reasons for terminating the card and none of them are the reasons Chase Bank provided. Given that they have not abided by the terms of their own agreement and contract, they are in breach of the agreement and have committed fraud. We sent the enclosed letter dated XX/XX/XXXX, with enclosures, about the closure of your account. We did not advise that the decision to close the account was because it was in default. As previously explained, the reasons we closed your account were due to : Rapid increase in revolving balances. Too many requests for credit or reviews of credit. Balances on accounts are too high compared to credit limits. This account is governed by the terms of the enclosed Cardmember Agreement, which says on page 1 that Your use of the account or any payment on the account indicates your acceptance of the terms of this agreement. On page 4, the section Authorization of Transactions / Closing Your Account states that We are not obligated to honor every transaction, and we may close or suspend your account. Furthermore, page 9, under Credit Information, states that We may obtain and review your credit history from credit reporting agencies and others. We are not able to reinstate your account or remove the reporting of the account to the credit reporting agencies. Additionally, we do not offer debt forgiveness. The enclosed copies of the last three statements show that you are making payments to this account. If you would like payment assistance, please call XXXX XXXX XXXX at XXXX. They are available Monday through Saturday from XXXX XXXX to XXXX Eastern Time and on Sundays from XXXX XXXX to XXXX Eastern Time. Unless you have additional concerns, we will not be responding to another request from you concerning the closure of the account. XXXX Update *** On XX/XX/XXXX, I received a packet of information from Chase regarding the closing of my account. All that was included was a duplicate of a letter they had sent along with a copy of the cardholders agreement. I have reviewed the cardholders agreement and Chase is in violation of the agreement. The default clause list why the account would be considered in default and closed, this account does not match that criteria. No payments were late, I did not exceed the credit limit, I did not fail to comply with the agreement, and there were no indications that I was " unwilling or unable to pay '' my debts " on time. '' Additionally, while the cardholder agreement does state that Chase may from time to time review my credit, it does not state that any information obtained during the credit review will be used to close or otherwise default the account. At this time Chase has still not attempted to make this right or abide by their own agreement. ***Original Complaint *** I opened an account with Chase in XX/XX/XXXX. I made charges to the card. On XX/XX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus. | ||||||
| 02/04/2020 | Yes |
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Web | Older American |
| In the initial questionnaire the company has been issued multiple qualified written correspondences to validate the debt, produce documents since 2016 under Title 15 USC 1692, 1 and 2 and TILA and RESPA in which they have failed to answer. Furthermore, Chase is not the original so called lender. JP MORGAN AND CHASE BANK has filed a fraudulent Notice of Substitution of Trustee, Notice of Default as a foreign entity with the XXXX County Recorder attempting to " FORECLOSURE '' on a " MORTGAGE '' that does not exist and where there was no legal binding contract that was signed by me. There is now third party activity who is attempting to foreclose on a Home Equity Line of Credit that was initially established with another bank that went bankrupt. The parties listed have no agreement with me and have used deceptive tactics to steal my property. This has been occurring for twelve years but have been disputed with qualified written requests to CHASE concerning the facts about the transaction and they have continued to conceal and fail to disclose any and all pertinent or material information in replying to my requests. CHASE has continued to violate my consumer rights through threats and unfair business practices and continued to fail in imparting correct information. Under FRAUD all suspects in their fiduciary capacity, breached their duty and care of me, XXXX XXXX XXXX XXXX. Where there was a duty to speak, the disclosure was not full and complete with the opportunity to answer, challenge or cancel the contract or rescind my signature under the aforementioned acts. JP MORGAN 's wilful concealment of material and qualifying facts is evident based on their actions up to this date and was a true statement to my inquiries and requests which was a misrepresentation. Through their wilful acts to conceal and suppress such facts in leading me to believe that the matters regarding the Home Equity Line of Credit that was established with another bank being a mortgage was made me obligated to pay or have my home taken from me was fact and truth and nothing but the truth, JP MORGAN has committed fraud against me and are using third parties as debt collectors and lien holders to file fraudulent notices and requests in the County Recorder of XXXX. In closing, JP MORGAN and all of their third party accomplices have been equivocal, evasive, and misleading, where being calculative in order to convey a false impression of the truth. Notice and filings are under a false erroneous name that is not me - ( XXXX XXXX ) ; Also the account number has been changed from XXXX to XXXX. AS A NOTE LOOKING UP THE DEFINITION OF FRAUD : FRAUD is defined in BLACK 'S LAW DICTIONARY 6th Edition on page 660 " An intentional perversion of truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right. A false representation of a matter of fact, whether by words or conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. Anything calculated to deceive, whether by a single act or combination, or by the suppression of truth, or by suggestion of what is false, whether it be by direct falsehood or innuendo, by speech of silence, word of mouth, or look, or gesture. Delanty v. First Pennsylvania Bank, N.A., 318 Pa. Super. 90, 464 A. 2nd 1243, 1251. A generic term, embracing all maltofarious means which human ingenuity can devise, and which are resorted to by one Individual to get advantage over another by false suggestions or by suppression of truth, and includes all surprise, trick, cunning, dissembling, and UNFAIR way by which another is cheated. Johnson v. McDonald, 170 Okl. 117, 39 P.2nd 150 " BAD FAITH " and " FRAUD " are synonymous, and also synonyms of dishonesty, infidelity, faithlessness, unfairness, etc. '' | ||||||
| 12/27/2016 | Yes |
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| I 'm here to write a claim about J.P Morgan Chase Bank fraud department. For two reasons:1. Customer services are extramely bad contain serious racial discrimination s to me and my wife. 2 : The Chase bank NEVER protect my account. A forged signature can withdraw money from my account AND Chase refused to help me get my money back! What happened : On XX/XX/2016 a check with {$6000.00} was withdrawn from one of my Chase join accounts xxxxxxxxx ( me and my wife 's name ). It 's fraud. Somebody stole my check book and forged my signature ( Based on the signature on my old checks ). But obversely the signature was neither my nor my wife 's. The check was cashed by a law office which has a STAMP shows office address and name on the back!!! As soon as I recognized that happened ( I checked my online banking app ), I called Chase fraud department ( XX/XX/2016 ) and made a claim. The Chase fraud department had very bad and racial discriminational services. They NEVER EVER contacted with me during the last 2 months processing time. And after 2 months " waiting '' on XX/XX/2016, I was told they denied my claim!!! They NEVER asked me for anything just denied my case!!!! 1. When I called Chase on XX/XX/2016 and asked them why nobody in Chase ever checked the signature on a {$6000.00}? Did Chase have anything to protect customers ' account? I was told " No, Chase can NOT check every signatures and based on the last several months transactions on your account, you have written some checks with similar amounts so we just let it pass. " 2.Then the fraud customers service guy asked me to fill out an affidavit form and send back to them. I filled out every details and even goolged law office information based on the back of the check. My Chase banker and I have been faxing and mailing affidavit form to Ohio fraud department from XX/XX/XXXX to XX/XX/XXXX. Chase NEVER contacted with me to let me if they got my affidavit or not. I have to call them every 3 days. My banker faxed them 6 times. I mailed them XXXX letters and faxed 5 times!! I 'm an XXXX can be seen from my name. Some of the fraud department customer specialists did n't want to talk to me and put me on hold for almost 40 mins then hanged off. Some even lied to me that they received my documents on XX/XX/2016!!!! 3. After faxing out the XXXX affidavit from me on XX/XX/2016, I called them and I was told they finally got it. With no response for about 5 days, I called them again. The representative guy asked me them want me to tell them if there 's any susceptive I could think of? I told them MAYBE it 's in my car and the cleaning guy stole it? Because I usually did n't lock my car when I parked in my house garage. Or MAYBE somebody else I could remember. Then I suggested them to contacted the law office who took my money to do the inspection. Because They took my money and of cause Chase should inspect them! They refused! 4. EVEN MORE RICIAL DISCRIMINATION! On XX/XX/2016, after waiting for like 2 weeks, I called fraud department again to check my case status. The guy told me it was closed on XX/XX/2016 and the result was " Chase denied my claim for 2 reasons : 1. The check was stolen from my car which I should lock it and protect my check books. It 's my fault that I lost my check book 2. The signature is smiler to mine. ( Of cause it 's forged! The guy saw my old checks copies which had my signature ) '' During XX/XX/XXXX to XX/XX/XXXX nobody ever told me what happened to my case. I was trying to find if there 's any way I could reopen my case and I was told that 's final decision even I had police report. They refused to help and used my thoughts ( those MAYBEs I told them ) as notes for the conclusion. Then they put me on hold several times and refused to talk to me because I 'm an XXXX and not speak XXXX as their well. They NEVER contacted the law office. When I called back, I was only told I could n't get my money and that 's final decision. | ||||||
| 05/03/2023 | Yes |
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| Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Chase Bank Credit Card for their unsupportive and unfair treatment following a recent scam incident that I fell victim to. Last Monday, I was deceived by a scammer claiming to be an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I did not pay for an " XXXX XXXX XXXX and a " XXXX Embassy Bond '' to assist in their investigation. This fake case involved my passport being linked to XXXX XXXX XXXX XXXX XXXX XXXX. An accomplice posed as a local police officer, corroborating the story. They frightened me into purchasing gift cards as payment for these " bonds, '' which they claimed would be refunded after I was proven innocent. The scammer informed me that I was not allowed to use any online payment methods due to the ongoing investigation and insisted that gift cards were the only acceptable form of payment. While it seems far-fetched now, their contact numbers appeared to be from a XXXX XXXX XXXX and a local police station, and I had traveled to XXXX and XXXX the US through XXXX last year, so I trusted them. They also coerced me into not communicating with anyone or using the internet. As a result, I purchased a total of {$11000.00} in gift cards using my Chase, XXXX, and XXXX XXXX cards. I provided the gift card information to the scammers as instructed. The following day, I realized I had been scammed and reported the incident to the police, XXXX, and my banks. XXXX refunded me {$2000.00}, and XXXX XXXX initiated an investigation into the matter. However, Chase initially informed me that I was responsible for the debt since I had authorized the transactions. Although I was unhappy with this, I agreed to pay the balance. The next day, a representative from Chase 's security department contacted me, asking questions about my interaction with the scammers. Afterward, they informed me that my account had been closed and that I could request a review for reinstatement within six months. I was shocked and requested to speak with a supervisor to understand the situation. The supervisor reiterated that they could close any account for any reason and confirmed that my account closure was permanent. This decision seemed unreasonable, as I had only been a victim of a scam and had planned to pay the outstanding balance myself. The closure of my Chase account has made my life even more difficult, as I have billing accounts linked to it. I have always been a responsible cardholder, with no history of late payments. In this scam, I felt that Chase was not on my side and was instead siding with the scammers. They could have warned me about the potential scam when I made 13 consecutive {$500.00} gift card purchases, which is out of character for me based on my credit card history. While I understand that it was not their obligation to caution me, their knowledge about scams could have helped me avoid this situation. The most disheartening part is that when I was at my lowest, my bank worsened my situation by closing my account permanently for an unjustifiable reason. The most ridiculous part about this whole ordeal is that, even after my account was closed, I continued to receive all sorts of promotional emails from Chase. These promotions included referral bonuses, offers for other products, and auto loan promotions. It's absurd that while the bank deemed me unfit to maintain a basic account, I was still considered a viable candidate for these additional services. This inconsistency only adds to my disappointment and further erodes my trust in Chase. The fact that they closed my account without providing a reasonable explanation, and then proceeded to send me promotional emails, made an already painful situation even worse. I am seeking your assistance in addressing this issue and holding Chase accountable for their unfair treatment of a loyal customer who fell victim to a scam. Sincerely, XXXX XXXX | ||||||
| 07/28/2022 | Yes |
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Web | Servicemember |
| On XX/XX/2022, I filed a CFPB complaint ( Complaint ID : XXXX ) about the action ( or lack of action ) JP Morgan Chase Bank took to recover XXXX wires totaling {$85000.00} that was sent to the XXXX, TN Scammers. Later that day I received a phone message from XXXX, a representative of JP Morgan Chase Bank from the Chase Bank Executive Office. The message states that they are researching the complaint and will respond in writing once the research is completed. On XX/XX/2022, I received a letter dated XX/XX/2022, from JP Morgan Chase Bank stating that they will not refund me the {$85000.00} because the wires were sent based on my instructions. Apart from my name, address, and the wired amount, nothing else in this letter applies to my situation. It does not appear any research/investigation was done - Seems they only took one of their standard rejection template letters and attach my name, address, and the wired amount. Below are a few sentences from the letter that I will quickly address : We received notifications from the recipients bank that our recall attempts were not successful. The funds were no longer available to be recovered or returned. I dont understand the above sentences because the wires were sent from a JP Morgan Chase Bank XXXX another JP Morgan Chase Bank XXXX JP Morgan Chase Bank was both the sender and recipient bank in this case. Please provide the date the funds were withdrawn from the scammers bank account If the funds were withdrawn before the date, I report the scam to the bank and ask them to freeze the account ( XX/XX/2022 ), then I agree with your decision. However, if the funds were withdrawn after XX/XX/2022, then I think JP Morgan Chase Bank should refund me the {$85000.00}. We recommend you work with the recipient directly to resolve this matter XXXX think I need to say much here, do they really think the Scammers are still around for me to contact them. After XXXX weeks and XXXX calls I was finally able to talk with XXXX about my case ( XXXX ) on XXXX XXXX. He explains to me that although JP Morgan Chase Bank was the recipient bank, they have internal guidelines that they followed. Below is my understanding of these guidelines : JP Morgan Chase Bank does not and will not freeze or partial freeze ( the amount of the wire in dispute- {$85000.00} ) until a full investigation is done. So for my case, although the FBI told me to call the bank and report the matter, JP Morgan Chase Bank would not hold the funds until they conduct a full investigation. JP Morgan Chase Bank however contact the Scammers and ask them to return the wired funds back to my account while they conduct their investigation. For the investigation they did not contact me, the FBI or any other law enforcement, so I guess they contact the Scammers and let them know While the Scammers still have full access to their bank account. After not getting any response from the Scammers, 42 days after I first reported the scam ( first reported scam on XXXX XXXX, told Scammers account closed XX/XX/2022 ), JP Morgan Chase Bank then decide to take the funds from the Scammers account. But not surprisingly, at that point the Scammers account was closed. XXXX sincerely apologizes and assure me that they did everything in their power to retrieve the funds from the Scammers, but the account was closed by the time they got to it. JP Morgan Chase Bank is a very experience and successful company, so I assume they have very smart people working for them, the internal process that XXXX describe does not make any sense. With that said, I think XXXX was just trying to feed me some XXXX. because they did not want to do the right/honorable thing and admit they drop the ball and thus refund the {$85000.00} that was wired back to my account. Even an elementary school student would know that if you let Scammers know you are on to them, they are going to take the funds and run if they still have access to their account. | ||||||
| 01/14/2020 | Yes |
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| A quick summary : Chase closed my account on XX/XX/XXXX. Despite repeated contact ( in-person, by phone, and by their online messaging system ), I have still not received my remaining balance as of XX/XX/XXXX. On Friday XX/XX/XXXX, I initiated 2 ACH transfers from external accounts to my Chase Checking account ( initiated from Chase Checking ). The first was a transfer of {$2000.00} and the second {$500.00}. I received emails shortly thereafter that the transfer shad been canceled. On XX/XX/XXXX, I received a " Secure Message '' from Chase on their platform that " We blocked the account ( s ) ending in ****, and will close it soon. We're doing this because of recent activity on the account, or because you didn't provide information we requested. '' No information had been requested. To resolve this issue, I went in person to a Chase branch. The teller said that my account was blocked and could not provide me any more information. I was given a number that I could call. I called the number and, after being placed on hold for about 20 minutes, was informed that there was no further information that could be provided on the reason for the account closure. After the call, I went back to the teller and asked if I could simply accept the account closure and withdraw the remaining {$1500.00} from my account. She escalated to a supervisor. We went to an office away from the counter, and she called someone else at another office. They told me that the account would be closed within 7 business days, and a cashier 's check mailed to me thereafter. I requested that the account be closed immediately and that either I withdraw the funds in cash at the branch, or that the check be mailed immediately. They refused and provided no reasoning. I decided that I had no choice and would wait. On XX/XX/XXXX ( about 9 business days later ), my account remained open ( but blocked -- I had no access to my funds ). I wrote to Chase asking them to close my account immediately and proceed with returning my funds. They told me to contact their fraud department by phone, which I refused as this was the same number I had called previously and wasted about half an hour to receive no information. Additionally, I wanted all further communication with the institution to remain in writing. I politely wrote them back that I would not be calling their number and asked that they to proceed immediately to close my account and return my funds, as they had said they would do. I told them if this was not done within 3 business days, I would file a report with the Consumer Financial Protection Bureau. My account was closed within 8 hours. Their message said that they would mail a check for the remaining funds within 7 business days. Around XX/XX/XXXX, I received a letter summarizing my account activity in XXXX ( previously all communication was paperless ), including showing a " Debit DDA - Check Charge '' for the remaining balance of my account on XX/XX/XXXX. I had expected that this letter would include that check, but it did not. Finally with no indication that I would be receiving a check, I wrote to Chase on XX/XX/XXXX. I let them know that it had been 9 business days since they told me the check would be sent within 7 business days. I asked them to provide proof that the check had been mailed, and evidence of the postmark date. I stated that if they did not do this by Tuesday XX/XX/XXXX, I would write to the CFPB ( XX/XX/XXXX would be the 11th business day. This allows Chase the 7 days they stated to mail the check, and the USPS 4 business days to deliver it ). Once again, they wrote back telling me to call a number. I refused, and said that I looked forward to hearing back regarding the check containing the final {$1500.00} from my account. Their response was to again tell me to call a number. Thus after ample warning and notifying Chase that I would be contacting the CFPB, I am now following through. | ||||||
| 05/06/2019 | Yes |
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| In XX/XX/2018, Chase Bank internally misapplied my mortgage payment and put it toward principal instead of the payment. That caused them to think that I was late on my payment which then caused them to contact me about it. I have always had my mortgage payment set up on a recurring auto draft from my checking account with XXXX XXXX and therefore am never late. I informed them I hadn't changed anything and wasn't late. Different customer service people continued calling me for several months and I continued stating the same thing and eventually one of them finally actually researched and found the mistake which was in fact that Chase had misapplied my payment and it was an internal error and opened a research request to have it fixed. However, they continued to call me and I would have to repeatedly explain myself over and over and over. This went on for months. In the midst of all of this, my property taxes increased which caused my monthly payment to increase so I went onto my online banking auto draft and updated the amount. However, somehow, it also turned off the recurring auto payment without my knowledge. So in XX/XX/XXXX and XX/XX/XXXX, I was in fact late due to my auto draft accidentally being turned off. But when Chase called to tell me I was late ( yet again ), I informed them that it was their mistake as I had been telling them and to research it and to pleaseeeee get it corrected. But it was actually late. But because of the headache that had been going on for months due their mistake ( which they have admitted and finally corrected ) - I ignored the calls. Then, I happened to be on my online banking account and discovered the issue and of course immediately turned auto draft back on and caught up on the 2 actual late payments. Again, all of this confusion occurred due to Chase 's initial mistake and their horrible customer service, lack of follow through on research requests to correct the misapplication of payment, etc. Now, I am trying to apply for a new mortgage and because of this chain of events - i am not able to get approved because of this late payments. I have opened ANOTHER Credit Amendment Dispute because the last one was denied but this time, I did actually get a helpful customer service representative on the phone who researched and said himself that it is clear that this not -- normal for me late occurrence was " due to the initial misapplication of my payment back in XX/XX/XXXX at the fault of Chase - not me - which put everything out of wack. '' I need these late payments removed from my credit report under these unique circumstances. I have tried and tried and tried to get this resolved with Chase with no success and that is why I feel I have to come to you as a last resort. I even went in to a Chase Bank local office trying to get help since every time for months, different people would contact me and no one would ever know what was going on and I would have to educate yet another person that they misapplied the payment and sit on hold for forever while they learned about the case - but the local guy wasn't allowed to help me nor talk to a XXXX customer service rep on my behalf. I just wanted one dedicated individual that could help me get it fixed and they couldn't even deliver that level of customer service which is so disappointing and has been incredible frustrating. They also reported a {$17000.00} " charge off '' on my credit report for a credit card that wasn't even in my name and was not mine! I am waiting for that to be corrected right now as well. They said since I was an authorized user on the account ( which was fraud, I am not an authorized user for anyone ) that I wasn't financially obligated for the debt and that it shouldn't have been reported on my credit score - yet it is. Working to fix that too. Such a nightmare. Please help me since my repeated calls to Chase aren't working and haven't for the last year. Thank you so much for your time! | ||||||
| 01/20/2019 | Yes |
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| On XX/XX/XXXX, I ordered online, then via phone, using my debit card that was ( as shown on statement ) debited trans date XXXX for {$450.00} by XXXX XXXX XXXX XXXX FL XX/XX/XXXX. Merchant Desc. " Men's/women 's clothing stores ''. I never received any confirmation of my order, no order number, no receipt. And man on phone would not tell me how much shipping cost. Would get trackingf number to me asap. Already knew my bank info (? ), Before I ordered.So, I order from a DC number, and statement shows a place I knew nothing about.. No news or package by5+ days. I call, oh, it was sent, here is tracking number. Well. It was supposed to get to me and week, then week go by.. phone calls, emails back and forth.wanted and was promised a refund. Nothing. Put dispute claim on the XXXX with Chase customer claims Dept. They would " research '' my claim. I'm XXXX, don't have transportation, and am slow with electronics. I kept daily check of that tracking number. Went from XXXX, WA XXXX XXXX to LA XXXX. " In transit to next facility '' stated every day, when on XX/XX/XXXX arrived at XXXX, Il.Went to XXXX XXXX XXXX I'll distribution center with a " processing exception '' XX/XX/XXXX I contacted my bank after no receipt, no product and no help from vendor ( many calls and emails. ) On XXXX, still in XXXX with that " processing exception '' still indicated. XX/XX/XXXX arrived at facility '' XXXX ''?? XX/XX/XXXX XXXX " arrived at military XXXX, XXXX . CA XXXX. Then final entry XX/XX/XXXX XXXX am stated " your item has been delivered and is available at s XXXX XXXX in XXXX, CA XXXX. No box number indicated. We live west f XXXX with our own USPS post office at XXXX XXXX ( same zip as XXXX, but 12 miles in the foothills. Post ladies don't recall a package, I never saw one ( didn't sigh for anything ). Still calling and emailing for info. Received letter from Chase claims XX/XX/XXXX, and they said they " resaearched my claim and determined the transaction was valid, so {$450.00} went back to XXXX XXXX XXXX ( had been on hold ). I called and asked well what research did you do,? And they said, followed the tracking number. It shows you received the package.NO, IT DOES NOT, they never contacted XXXX. I went to my branch bank to talk to a live person, an XXXX XXXX, bank officer/relationship director. We called the number on the statement. XXXX, and XXXX talked to a '' XXXX XXXX-mgr '' whom she said I should call the next day as he sounded like he would fix things for me. Well, the next day the phone was diconected, andI found out recently there was a XXXX XXXX in that area of Florida, but he'd been deceased for several years..XXXX, XXXX, XXXX roll around and I'm trying to track down my money. XXXX is listed as active, an *Information Technologies Services business category with a XXXX F rating ( not accredited ) with 3 cust complaints in 3 years, Address XXXX XXXX XXXX XXXX, FL XXXX, XXXX : XXXX ( where I bought from ) and ( XXXX ) XXXX phone number.Sole owner XXXX XXXX XXXX , managing member. Additional phone numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. Businesses incorpoated XXXX in FL. I'M m so tired of all this. After finding the Florida Statutes for LLCs and mentioning possible violations of several in an email to XXXX, HE actually resond himself.. the guy ; He said he'd talk to XXXX and XXXX XXXX and XXXX get this settled ''. Same XXXX. Same runaround,. All I wanted was a copy if my receipt they should have, And I wanted a full refund, which was promised to me, because XXXX told me he had the wrong XXXX XXXX number for me. Never got package. These guys aren't going to give me my money. I feel Chase Claims let me down, failed to do their job right and protect me. They let a con have my money AFTER UNVESTIGATING my claim without ever contacting him or the companies.I want Chase to put that money back in my account because they gave it away and let down their own customer. Plaease help me with this. Thanks | ||||||
| 03/27/2016 | Yes |
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| On XXXX/XXXX/XXXX, Chase ( NMLS ID : XXXX ) Mortgage banker XXXX XXXX ( NMLS ID : XXXX ) approached me and offered me a loan with No point, No fee, XXXX ARM 3.375 % interest rate to refinance the mortgage loan on our investment property ( refer to the loan application form, the subject property address for the loan is my investment property ). She told me that a cash-out refinancing to a loan amount of {$410000.00} would be necessary in order to get the interest rate of 3.375 %. Since the deal offered by XXXX was better than what other loan brokers had offered me, I re-confirmed all the terms with XXXX again and decided to accept her offer. I then submitted my loan application, along with all the requested documentation, to Chase bank through XXXX XXXX on XXXX/XXXX/XXXX. She emphasized that the rate and price could only be promised until Monday XXXX/XXXX/XXXX. And I was also told the refinancing process would take about 45-60 days. So a mutual agreement about the rate and terms on the mortgage application has been established on XXXX/XXXX/XXXX. After receiving the loan disclosures dated on XXXX/XXXX/XXXX from Chase, we went in XXXX office to sign all documentation from the package on XXXX/XXXX/XXXX. We did clearly question why the float rate option on Lock-in Agreement had been checked if the rate lock had previously been done. XXXX simply told us to ignore it. Moreover, we also pointed out there was an {$8800.00} fee charge listed on the GFE dated on XXXX/XXXX/XXXX. Again, XXXX simply told us to ignore it and do n't worry about it. She told us Chase bank will refund all the fees at closing since this is a NO Point, NO Fee refinance loan. The fact is XXXX did n't lock the rate for our loan on XXXX/XXXX/XXXX. She locked the rate on XXXX/XXXX/XXXX instead. From the GFE dated on XXXX/XXXX/XXXX, there is also XXXX point fee charge against the original NO Point, NO Fee she offered to us. We, as Borrowers, had absolutely no idea why the rate lock was performed on XXXX/XXXX/XXXX. On the other hand, our understanding was that the rate had been locked on XXXX/XXXX/XXXX and the loan documentations would be ready for signing by end of last XXXX. ( We had been told several times by XXXX while we checking the loan status with her during XXXX XXXX. ) After we received the GFE dated on XXXX/XXXX/XXXX, we contacted XXXX XXXX and pointed out the discrepancy and the fees, and questioned her. Her answer is still the same : just ignore it and do n't worry about it. In XXXX XXXX, XXXX XXXX suddenly started to avoid responding to my inquiries about the loan status. I had to seek assistance from XXXX assistant, XXXX, and the Chase loan processor myself in order to keep the loan process going and hope the loan could be funded before the rate lock expired on XXXX/XXXX/XXXX. Unfortunately, XXXX kept delaying the loan process and refused to make corrections to the extra fee charge, the loan was unable to be funded before XXXX/XXXX/XXXX and expired, which incurred an additional XXXX point of fee charge to the loan. During the entire loan application period, we, as Borrowers, have submitted the required documentation to Chase in time and never delayed anything along the loan process. We have kept all the email communication between XXXX and us to prove this point. The documentation requested from Mortgage Commitment Letter ( dated on XXXX/XXXX/XXXX ) was submitted to XXXX on XXXX/XXXX/XXXX. XXXX locked the rate on XXXX/XXXX/XXXX and found out a fee charge of 2.5 %. According to XXXX, she reported to her Lending Manager, XXXX ( NMLS ID : XXXX ), immediately and requested to remove the fee charge. But nothing had been done by XXXX at all ; thus the loan was unable to get funded by rate lock expiration date on XXXX/XXXX/XXXX, which further caused an extra 0.5 % fee charge to this loan. Chase bank side is fully responsible for this charge. As of today, there are total of XXXX points of fee charge on this loan. | ||||||
| 05/12/2022 | Yes |
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| On Tuesday evening, XX/XX/XXXX, I realized that my checking account had a pending negative balance. So in response, I drove to the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, TX and made a {$320.00} withdrawal. I used this cash in addition to cash I had left from a {$200.00} withdrawal the previous day ( receipts for both transactions included ) to make a cash ATM deposit at my local Chase branch. At XXXX on that evening, Tuesday, XX/XX/XXXX, I used my debit card at the ATM located at the Chase Branch at XXXX XXXX XXXX ( across the street from the XXXX XXXX XXXXXXXX XXXX XXXX to attempt a cash deposit of {$400.00}. There are two ATM terminals in the drive through area at that branch, and I used the terminal on the left side. I placed twenty {$20.00} bills in the deposit slot. The cash went into the machine. I noted that the machine hesitated for a moment longer than usual and then flashed a message on the screen saying that to be sure my deposit went through, call XXXX XXXX. I ended my transaction and received a receipt which I have also included. This receipt shows AID # XXXX, Term ID : XXXX, Sequence # XXXX, Card # _ XXXX, date and time : XX/XX/XXXX XXXX PM, and Deposit to XXXX XXXX. My XXXX yr old daughter was with me in my vehicle and is willing to swear on an affidavit that all of the above is true, as am I. Upon receiving this receipt, I immediately called the phone number as requested without leaving my spot in front of the ATM. There was no other traffic so I just stayed where I was while I called. The customer service agent I spoke with explained that I needed to talk to someone in the Claims Department but that that department was closed and Id have to call the next day. On the morning of Wednesday, XX/XX/XXXX, I called back to the Chase Customer Service and was transferred to the claims department. The person I spoke to took down all the information I have written above, including all the pertinent information that was on the receipt I had received. The agent informed me that the {$400.00} would be credited to my account pending review. On Thursday evening, XX/XX/XXXX, I received notice on my Chase app that the {$400.00} credit was being reversed. The next morning, Friday, XX/XX/XXXX, I called the Claims department and was informed that my claim had been denied due to the audit of the ATM machine not indicating an overage. I asked to speak to a supervisor who recommended that I engage with the Executive department on the matter, but when he tried to transfer me to the department, I was disconnected. I then went to the Chase Branch where this transaction took place and spoke to the manager, XXXX XXXX. XXXX encouraged me to contact the Claims Department again and ask them to reopen my claim. In addition, XXXX emailed the Branch Complaint Escalations department regarding my claim. After speaking with XXXX XXXX I called the Claims Department and requested that my claim be reopened and was assured that it would be. Subsequently, XXXX from the Chase Branch Complaint Escalations department called me and I spoke to her on XX/XX/XXXX. She informed me that she was going to speak to the Claims department and try to get a resolution. On XX/XX/XXXX XXXX called me back and reported to me that the claims department has denied the claim again and that their decision is " final ''. I have copies of the receipt I received at the ATM on the evening of XX/XX/XXXX as well as the receipts from XXXX XXXXXXXX XXXX XXXX showing my withdrawals of cash, which I used in my deposit that evening. I have requested from Chase all the information used to decide this claim, as their letters to me indicate I have a right to, but as of yet, I have received nothing. I have had this checking account with Chase Bank since XXXX, when it was Bank One. I consider what has happened with my deposit as theft and will be filing a police report. Thank you for any help you can provide. | ||||||
| 08/27/2015 | Yes |
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| Chase refused to investigate my complaint of fraudulent activity and credit {$3000.00} to my account as required by the Electronic Funds Transfer Act ( EFTA ). I am a XXXX year old XXXX woman from the XXXX. I have significant student debt and work part-time with a yearly salary of {$6000.00}. Because of Chase 's misconduct, I can not open a bank account at another bank and must rely on a prepaid card to receive wages. I am moving out of state next month and am unable to obtain affordable housing because this negative information is on my credit report. On or around XXXX/XXXX/14, I lost my Chase debit card. Shortly after realizing this, I logged on to my mobile account and saw that XXXX unauthorized checks ( {$3000.00} ) were deposited and {$200.00} was withdrawn at an unfamiliar Chase branch ( XXXX XXXX XXXX, XXXX, see Ex. 1 ). Immediately thereafter, I went to the closest Chase branch ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with the teller who informed me the acct. would be closed. Despite Chase 's assurance that my account would be closed, on XXXX/XXXX/14 XXXX unauthorized transactions were posted to my account ( see Ex. 1 ) : XXXX ATM withdrawals ( totaling {$1000.00} ) from a Chase branch that I have never visited ( XXXX XXXX XXXX XXXX, XXXX ), and XXXX " card purchases with cash '' ( totaling {$1800.00} ) from an unfamiliar check cashing store in XXXX. On XXXX/XXXX/14, Chase took {$3000.00} from my account ( see " deposited item returns '' in Ex. 1 ). On XXXX/XXXX/14, I filed a dispute and received a response from Chase alleging that the withdrawals were authorized ( see Ex. 2 ). As proof, Chase provided me photocopies of the XXXX fraudulent checks endorsed with a forged signature ( see Ex. 3 ). Prior to this incident, I had been a loyal Chase customer. Despite this, Chase did not follow the requirements of EFTA in investigating my fraud claim. I believe that Chase may have treated me this way because I am a person XXXX and/or a low income customer. Section 909 ( b ) of EFTA states that the burden of proof is on the financial institution to show that the alleged fraudulent transaction was authorized. The OCC Comptroller 's Handbook on EFTA ( XXXX 2014 ) states " institutions can not assume that they have satisfied their duty to investigate simply by concluding that the customer 's debit card and PIN were used ... .rather, institutions must take steps to investigate whether there are indications that unauthorized use occurred. '' According to EFTA staff commentary ( Supp. I, 12 C.F.R. 205.11 ( c ) ( 4 ) -5 ), information that may be reviewed includes : - The transaction history of the particular account for a reasonable period of time immediately preceding the allegation of error. Previous authorized withdrawals from my account show a pattern of small-dollar ATM withdrawals of less than {$200.00} made once every few days or weeks. There is no pattern of same-day withdrawals of large sums of money ( more than {$1000.00} ). No previous authorized transactions were ever made from XXXX XXXX XXXX XXXX or the XXXX XXXX Chase branch in XXXX. - The location of either the transaction or the payee in question relative to the consumer 's place of residence and habitual transaction area. XXXX unauthorized same-day withdrawals ( {$1000.00} ) were made at a Chase branch located at XXXX XXXX XXXX XXXX, XXXX. This branch is located on the other side of the city and over an hour and a half away from my home in the XXXX. - Any other information appropriate to resolve the claim. XXXX fraudulent checks were deposited and XXXX unauthorized ATM withdrawals were made at XXXX separate Chase branches ( see Ex. 1 ). Review of the security camera footage would show the transactions were not made by me. A review of these items as part of an investigation under EFTA should have shown to Chase that the deposits and withdrawals on XX/XX/XXXX and XX/XX/XXXX respectively were fraudulent and unauthorized. | ||||||
| 03/12/2019 | Yes |
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| I am filing a formal complaint regarding Chase Credit Card Services handling of Claim ID : XXXX. This claim has been grossly mis-handled by Chase. I am formally appealing Chases ruling that the charge of {$290.00} dated XX/XX/XXXX was valid as I have provided written evidence contradicting such conclusion to Chase multiple times. I will provide some background on the purchase and the various pieces of written evidence that have been provided to Chase as part of the dispute process, which has been ongoing since XX/XX/XXXX. On XX/XX/XXXX, I authorized a charge of {$3600.00} with the merchant XXXX XXXX XXXX XXXX. This payment was related to a package tour of the country XXXX with the merchant including all of the goods and services listed in an itinerary the merchant provided via email on XX/XX/XXXX ( Enclosed as Exhibit 1 /2 and provided to Chase on XX/XX/XXXX and once again, on XX/XX/XXXX ). The tour was scheduled to take place XX/XX/XXXX XX/XX/XXXX. Unfortunately the merchant did not deliver the package as agreed to in the itinerary. Exhibit 1, Page 7 clearly states that the package included a hot stone bath at your hotel as part of the package price that was charged in full on XX/XX/XXXX. The merchant refused to provide this part of the package despite it being included in the written itinerary upon which was agreed to between both parties prior to payment. Upon confronting the merchant, I was informed in writing ( via email ) that the merchant made a typographical error on the itinerary and would refuse to provide the hot stone bath because it was too expensive. ( Enclosed as Exhibit 3 and provided to Chase on XX/XX/XXXX and once again, on XX/XX/XXXX ). The merchant charged my credit card account in full for a package tour which included a hot stone bath. The merchant then decided not to provide this service. I filed a dispute with Chase on XX/XX/XXXX for the cost of the hot stone bath which the merchant refused to provide and acknowledged that they refused to provide in writing. The cost of this service was included in the price of the package but was not provided, so the charge for the package is clearly disputable. The merchant claims that they did not charge for the hot stone bath but that is clearly incorrect as the charge of {$3600.00} which was processed on XX/XX/XXXX was for an entire package including the hot stone bath as one component of that package. Not only is Chases ruling of the charge as valid in error, but Chase has grossly mis-handled this complaint. At no point was I provided with the merchants written response to the dispute despite multiple requests via telephone. At no point was I permitted to speak with the Claims Examiner responsible for my dispute, despite repeated requests. And I was forced to provide written documentation to Chase multiple times before anyone acknowledged receipt ( Exhibit 2 was provided to Chase via email on XX/XX/XXXX but the claims examiner failed to review it until it was provided a second time on XX/XX/XXXX ). Lastly, and most alarmingly, Chase has ruled this charge to be valid, despite numerous pieces of evidence to the contrary, and Chase refuses to escalate this matter further in complete ignorance of the facts provided. Chase has provided three written letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) stating that the charge is valid, but refuses to provide any rationale or reasoning to overturn the written evidence I have provided to the contrary in clear violation of the consumer protections afforded by the FTC. As a consumer and a loyal Chase customer, I am disgusted at how Chase has handled this situation and a copy of this formal complaint will also be provided to the FTC as well as the CFPB. I hope that Chase will review its dispute resolution procedure as this experience has been unacceptable and in violation of every basic consumer protection afforded by the concerned regulatory bodies. Sincerely, XXXX XXXX | ||||||
| 12/13/2016 | Yes |
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| I just recently graduated from professional school and I am currently unemployed at the moment receiving XXXX income and actively seeking employment. When I was in XXXX, I took out XXXX separate Chase loans. Going into professional school, I was told that there were really no repayment options like deferment or forbearance because I waited too long to return to school. Upon submitting a complaint via the CFPB, was I allowed to enter deferment/forbearance for XXXX of the loans, but for the third loan, Chase required me to continue to make payments of {$100.00} per month. Immediately upon graduation from my XXXX school, my loan payments increased from {$100.00} per month to {$750.00} per month. I would call XXXX ( now the company in control of my Chase loans ) monthly to see if there were any other repayment options to lower my monthly payments as I was currently unemployed. It was not until my call on XXXX/XXXX/16 that an option of the " Long Term Payment Modification '' plan was available. The representative ensured me that my current bill due on XXXX/XXXX/16 ( if I qualified for the Long Term Payment Modification ) would be immediately affected by this repayment plan. The application required information not only from me, but my cosigner as well. Once I gathered the information, I overnighted the information to XXXX. XXXX took FIVE days to " receive '' the information and another SIX days to process, only to provide a very minimally detailed explanation for denying the application. I then called immediately to find out what information was lacking or missing from the application. After talking to a representative for over an hour, the information that was missing was a recent tax return and XXXX from my cosigner as well as explicit indication that certain questions did not pertain to me, the borrower. For instance the question stated " if this is a reason for the request, then how much. '' Instead of leaving the question blank if it did not pertain ( although the words " if '' indicate that " if it does not '' pertain then do not answer it ). My application was denied because I did not say " not applicable '' on certain questions with tricky language. After finding out what information was missing, I then gathered all of the information and emailed the missing information to XXXX on XXXX/XXXX/16. It then took XXXX XXXX days just to " receive '' the email and another SEVEN to TEN days to accept or deny the application. My payment of {$750.00} was due on XXXX/XXXX/16. This process has now taken more than ONE MONTH. Now that the bill is due, I have called and spoken to XXXX different representatives that tell me Chase/XXXX can not help me with this bill because the bill already has become due. I am unemployed with XXXX income and I do not have {$750.00}. But, I am supposed to come up with the money. My application still has not been accepted/denied and even if accepted would not apply to this current bill. Chase/XXXX has been the worst at working with student borrowers when a financial hardship arises. The government bailed out the banks when they were in a crisis, but the banks especially CHASE have no regard for the financial hardships of its borrowers. Chase expects me to pay them, when I legit do n't have any money. Furthermore, my cosigner who at the time he cosigned could help make payments has also fallen on financial hardship making XXXX-XXXX % less than what he made when he cosigned on the loan. I have NEVER missed a payment/been late with Chase/XXXX. For a loyal borrower, consistently making payments you would think that Chase/XXXX would accommodate borrowers that fall on financial hardship. When I called XXXX ( XXXX/XXXX/16 ), I also called/applied for unemployment deferment and alternative payment options for my Federal loans. My payments were not only deferred until I gained employment, I was also given repayment options and my payments were lowered to reflect my income. | ||||||
| 09/17/2016 | Yes |
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Web | Older American |
| This all began when the mortgage industry crashed in XX/XX/XXXX. We had a Heloc from Chase and were paying on it on time. After the crash XX/XX/XXXX I was paying the payment to Chase on time, by hook or crook. In XX/XX/XXXX Chace suspended my Heloc and I was not able to use it anymore. ( I think this was illegal. ) We were not able to make payments to anyone including Chase. We were being hounded by everyone, so we declared Chapter XXXX Bankruptcy, which later turned into Chapter XXXX. We were discharged in XX/XX/XXXX. After several months Chase would call and ask us what we were going to do with our loan? I would bring up the fact that we did not have to make payments. They would go away and then call back in 6 months and ask the same questions. They ended up filing for foreclosure XX/XX/XXXX. We tried to get approved for a modification that ended up taking almost 10 months and the payment plan that we had to agree to would have cost us dearly, so we declined their offer. They again tried to foreclose and we went to court and asked for county court mediation and the 5 times that we were to meet, Chase was never ready to negotiate with us, our attorney and their lawyer. They ended up charging us {$650.00} for this farce. We then tried to get approved for modification again with Chase and it literally took 15 months and we were not approved because of DTI. I asked if they would accept a discounted offer and they told me to fax it to them, which I did. I offered {$75000.00} on a P & I payoff of {$120000.00} and I called them after 3 months and asked about my offer and they told me that we do not accept offers anymore? In speaking with their workout dept, one of their employees told me that Chase would never accept a dime less that full payoff because We had too much equity? Chase has the HELOC as a second mortgage. We currently owe less than {$9000.00} on our XXXX mtg that we have never been late on. XX/XX/XXXX they again went back to the courts and asked to continue the foreclosure. We went to court and asked 1 more time for Modification. We were denied any help what soever because we went past the draw down period on our Heloc, ( 15 years ) and now we would have to pay back all money owed in the next 9 years and our debt ratio would not work. We asked for and got a reinstatement figure from Chase and in the figure was a figure for Corproate advances. I asked the attorney for Chase and I asked Chase for a breakdown of the corporate advances and it took them four months to mail this information to us, while we are waiting for the courts to postpone the forclosure hearing. During that 4 months, we were back in court and we told the judge that they had not complied by giving us the breakdown of corporate advances. He told their atty to schedule a phone meeting with us, their atty and Chase rep ( one that could make Financial decisions for Chase ) before the next scheduled hearing ( 60 Days away ). Through all of this, we borrowed {$89000.00} from friends and family and had in the bank waiting for this to happen. 2 months later we were back in court and we did not have the conference call that the Judge said was necessary, so he said that we were to have the conference the next day per their atty. The judge actually let them get away with it. We had the meeting and I started to ask questions about the figures for the corporate advances and the atty for Chase did not even have the figures in front of her and the so-called Manager for Chase did not have a Title, he was another Customer service specialist. Their atty for Chase wanted me to email her those figures so she could see what I was talking about? On XX/XX/XXXX we fedexed the reinstatement fee to Chase. We never heard a word from Chase that they received the $ XXXX In an email from Chase after all of the court proceedings were over, they asked us to fill out a survey. I ripped into them saying that they did not do enough to help an | ||||||
| 11/28/2019 | Yes |
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| This is to file a formal complaint with the Consumer Financial Protection Bureau regarding JPMorgan Chase Bank, N.A, which acted negligently and caused me serious financial and personal damages that need to be repaired immediately. Failure to do so will create even more severe and detrimental problems for me. I am asking for full reimbursement of {$5000.00} forfeited due to Chases negligence. I had issued a blank check ( check # XXXX ) to my soon to be ex-wife, XXXX XXXX. For personal reasons that I rather not discuss at this point, I decided to place a stop payment on this check. On XX/XX/2019 I requested a stop payment on check # XXXX. I requested the stop payment in person at the branch located on XXXX XXXX XXXX, XXXX, FL, XXXX, I spoke to Officer Relationship Banker MrXXXX XXXX XXXX, who was very helpful and even suggested placing the stop payment on the entire check book. Unfortunately, Mr. XXXX did not process the stop payment correctly. Ms. XXXX somehow learned that I had deposited {$5000.00} in the checking account, and proceeded to write the {$5000.00} on the blank check that I had given her and presented the check for payment. The check was paid to her in contravention of my instructions to the bank pursuant to the stop payment I had requested and paid for. On XX/XX/2019 Mr. XXXX acknowledged the error and processed a Branch Compliant Escalation Form ( attached ) and escalated the matter to a regional escalation department. On XX/XX/2019, a representative from the regional escalation department, by the name of " XXXX '', ( Senior Client Plan Representative ), contacted me and told me that while I had requested and paid for the stop payment, there was nothing JP Morgan Chase Bank, N.A. can do to make me whole for the {$5000.00}. She indicated that this was a litigation matter between me and my wife. Additionally, this representative promised that a manager would again contact me to follow up on this matter within 48 hours. I have yet not been contacted by anyone from this department again. I am extremely disappointed that regarding JPMorgan Chase Bank, N.A, has acted in such a negligent way and now is simply dismissing this matter as a legal issue between my wife and I, which is a contradiction with report in the Branch Escalation Form, where the bank employee clearly acknowledged and accepted responsibility for the error. I have been a client of JPMorgan Chase Bank, N.A for over 10 years and have trusted them with my personal finances. This error may be insignificant for JPMorgan Chase Bank, N.A, which is probably one of the largest banks in the U.S., but it is a true catastrophe for me. JP Morgan Chase Bank, NA acted in bad faith. Not only did they not apply the stop payment as I requested and paid for, but also they failed to inform of situations in which a stop payment would not be honored, and now they are simply dismissing the matter as if they had not caused the problem. In my humble opinion as a consumer trusting a large corporation, the way this bank handled this situation is a clear example of unfair and deceptive practices. I am very concerned with the issue. It is of upmost importance that I get the funds reimbursed as soon as possible. I need these funds to pay my attorney who is defending me in litigation. Not paying these funds will not allow me to formally engage his services. I am currently experiencing a very serious personal and financial crisis. This could result in severe legal and financial consequences to me. I am currently unemployed and I do not have access to any other funds to pay my attorney. Therefore, it is extremely urgent for me to get reimbursed as soon as possible. I would like to see what recourse do I have to get full reimbursement of the {$5000.00} as soon as possible. I trust that the Consumer Financial Protection Bureau is able to assist me in this matter. Please kindly contact me as soon as possible with an update. | ||||||
| 10/09/2015 | Yes |
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| I received a letter XX/XX/XXXX from mortgagee Chase Mortgage dated XX/XX/XXXX stating that " since their records reflect receiving 2 previous payments within a 6 month period that were initially " returned '' ( XXXX and XX/XX/XXXX ) that the mortgage payment due XX/XX/XXXX and for the next 6 months until XX/XX/XXXX can only be made by certified funds by : transfer of funds from a Chase checking account or visiting Chase bank to make the certified check payment in person ( we do not have a Chase checking acct and there are no Chase bank branches in the XXXX area ) ; by visiting XXXX XXXX and making a payment with XXXX and incur a XXXX XXXX fee ; or by mailing in a certified check ( and incur a bank fee to obtain the certified check, and time barriers as I work XXXX jobs, to get a certified check and also risk incurring a possible late fee from Chase if they say they did not receive or process our payment by XX/XX/XXXX which a consumer has no way of knowing when Chase actually receives the payment through regular mail ) ''. Our concerns are : 1. We have never been 30 days late on our mortgage. 2. This notice is not timely and I attempted to make our payment over the phone with Chase but they had put a " stop '' on our acct preventing payments by us to be made in this fashion. 3 ) the reason the 2 payments were returned above are due to not realizing that when we made those payments over the Internet through the Chase website that Chase would many times take 5 or more business days ( sometimes 1-2 weeks on that schedule ) to actually process the payment and deduct it from our checking account. That processing delay Chase has in place on their end for handling Internet payments through their Internet site makes it difficult for us to manage the flow in our checking account during times when money is tight and I am working XXXX jobs to try to get ahead. We also did not realize until our XX/XX/XXXX payment the large discrepancy in the way Chase handles telephone payments v. Internet payments. And we had at that time decided to send our payments here forward by telephone payment to Chase as it is a much shorter processing time for the payment to come out of our checking acct that works better for how we are managing our cash flow during these difficult times. But when I tried to make our XX/XX/XXXX payment on XX/XX/XXXX over the telephone through Chase, we were blocked from doing so and were referred to the only options listed above to make our payment for the next 6 months. I did speak to a Chase rep who stated she did some research and according to her research the only returned payments she saw on our acct were XX/XX/XXXX and XX/XX/XXXX and so therefore she would submit an appeal on our behalf and that " we will be able to make a telephone payment through Chase on XX/XX/XXXX as it takes them 3-5 business days to process the appeal ; that she would put a note in our acct requesting that we not be charged a late fee for the XX/XX/XXXX payment ; but that if there is another " returned payment '' within 6 months starting XX/XX/XXXX that the above payment methods noted in the letter would go back into effect ''. These new processes Chase has mysteriously put into effect, I believe, has put an enormous burden on us and has put additional burdens in place for a mortgagor to do a fundamental thing which is to pay their mortgage. We do not mail in payments to anyone as it is considerably time consuming ( extra time is something I do n't have working XXXX jobs and caring for a XXXX spouse who is unable to work and contribute to the family income ). Also most consumers would not have the considerable time nor the know how of how to communicate effectively to Chase ( or any other mortgage co pulling this stunt ) to get a temporary resolution to the problem so that I can at least make our XX/XX/XXXX payment over the phone with Chase next month and not incur an additional late fee at a minimum. | ||||||
| 10/23/2023 | Yes |
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Web | Older American, Servicemember |
| I have been victimized by fraud. On XX/XX/XXXX, {$1300.00} was taken out of my Chase checking account fraudulently. I contacted Chase immediately after receiving the text messages below : I was alerted via text that my Chase checking account had been compromised by scammers. On XX/XX/XXXX, at XXXXXXXX XXXX CST the text was from XXXX and it read : Chase Bank : A DECLINE ON DEBIT CARD FOR {$240.00} AT XXXX TEXAS IF VALID REPLY 1 FOR YES 2 FOR NO STOP CHARGES. Second text at XXXXXXXX XXXX CST ALERT : CARD LOCKED, SUPPORT WILL CALL YOU SOON. At XXXX XXXX CST CHASE : Fraud Department - PASSWORD SUSPENSION REPLY With Old Password For Cancellation. Thank you. Then I sent them my Old Password via Text at XXXXXXXX XXXX and they came back at XXXXXXXX XXXX. CHASE PASSWORD CANCELLED. At XXXXXXXX XXXX. Text from Chase ERROR CODE CHASE Fraud Department - PASSWORD SUSPENSION REPLY With Old Password For Cancellation. Thank you. Then I sent them my Old Password via Text at XXXXXXXX XXXX. and they came back at XXXXXXXX XXXX. CHASE PASSWORD CANCELLED. Four ( 4 ) attempts to get me to sign in on a new device with 4 separate codes and the last line stating : We'll never call to ask for it. The following text messages were not sent to Chase because they put the {$1300.00} back into my account while they investigated to see if the withdrawal was fraudulent. On XX/XX/XXXX, at XXXXXXXX XXXXXXXX CST text received stating : Chase Self Service Here! To Schedule a Meeting Click this link ; Chase.com/meeting. Message and Data Rate may apply. On the same day, thank you for calling Chase your OTP is XXXX. On XX/XX/XXXX at XXXXXXXX XXXX CST text from XXXX Chase Bank Security : Did you use your card for {$1000.00} at XXXX XXXX FL on XX/XX/XXXX? Reply YES or NO. Msgs & rages may apply. Then at XXXXXXXX XXXX CST another text received Chase Bank Security : Did you use your card for {$440.00} at XXXX on XX/XX/XXXX? Reply YES or NO. Msgs & rates maXXXX apply. On XX/XX/XXXX at XXXXXXXX XXXX CST text received stating : XXXX XXXX : This code is for you and only you. Code : XXXX. To prevent fraud, never share it anywhere or with anyone, including people posing as XXXX XXXX. On XX/XX/XXXX at XXXXXXXX XXXX XXXX text received stating : App Protection Warning : Critical! ( 3 ) apps have breached your application security. Uninstall them swiftly to ensure devise safety. XXXX On XX/XX/XXXX at XXXX XXXX CST text received stating : FREE MSG Chase Fraud : Did you make transaction for {$980.00} on your debit ending in XXXX at XXXX? Reply YES or NO. On XX/XX/XXXX at XXXXXXXX XXXX CST text received stating : Chase : Did You Use Debit Card Or ATM Card For : Declined Transaction " XX/XX/XXXX '' XXXX XXXX XXXX, MI XXXX {$2400.00} Reply 1 for YES, REPLY 2 for NO. On XX/XX/XXXX aXXXX XXXX XXXX CST text received stating : From Chase : Did you attempt a XXXX transfer to XXXX for the amount of {$2000.00}? Reply YES/NO/HELP. Don't want fraud tests reply REMOVE. Chase reversed their decision on XX/XX/XXXX, and took out the {$1300.00} from my account stating that there were not enough " triggers '' to support this fraud. After several communications with Chase, I was told repeatedly that there were not enough " triggers '' for this fraudulent amount to be paid back by Chase. I did everything possible to block this from happening. I have enclosed all of these " triggers '' that Chase did not ask for. Our money was transferred to an account at XXXX XXXX XXXX XXXX. After calling them and making sure that I had never had or opened an account with XXXX XXXX XXXX XXXX. Hence, I have several more " triggers '' that XXXX XXXX XXXX XXXX had an account with some unknown person 's name on it with my information. Chase, being such a big entity has not been willing to even attempt in asking for these " triggers ''. I am a veteran and my wife, and I are both retired, and we can not afford to lose this substantial amount of money. | ||||||
| 12/18/2018 | Yes |
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| On XX/XX/, my Chase checking account was fraudulently charged for the amount of {$200.00}. The transaction took place at a grocery store an hour away from where I live and attend school. Whoever responsible for the transaction made a small purchase and paid a fee in order to get {$200.00} in cash back, taking almost all the money from my checking account. I have never made a purchase in the city where the transaction took place and my Chase debit card has never left my possession. The morning after I was awoken by several calls from the Chase fraud department alerting me of the potentially fraudulent activity. I immediately checked my account and found that a charge had occurred without my consent. I contacted Chase and began the process of getting a new card, new pin number, and my funds back. This process was simple enough, I received a new card in the mail and went to a branch to assign a new pin to my new card. Chase quickly returned my funds to my account and I assumed the situation had been resolved. I was extremely relieved to have my money back. On XX/XX/XXXX, XXXX XXXX, the money was taken back out of my account by Chase due to a " claim reversal ''. I immediately contacted Chase and got in touch with their claims department. I was told that I would need to fax proof of my location on the day of the transaction, and in 3-5 business days my money would be returned to me. I attended both work and class on the day of the transaction however on short notice I was only able to get documentation from my employer that I was clocked in on XX/XX/XXXX an hour away from where the transaction took place. The following day I went into a Chase branch and spoke with a banker who faxed the documentation to the claims department. The banker spoke to the claims department about my case and told me that he did not see any reason I would not get my money back after providing proof. He was informative about the ways that my information could have been stolen and used without my consent. I was told to contact the claims department in 3-5 business days. In the following weeks I contacted the claims department multiple times. I have been told that my claim is being investigated by an outside office and that it is out of the hands of Chase themselves whether I get my money back. The validity of the fraudulent transaction was being investigated despite Chase first notifying me about activity that had been deemed suspicious by their standards. My claim has been denied multiple times despite providing the document from my employer. I finally asked the representative to please connect me with someone who could give me more information. I spoke with an Escalation specialist named XXXX who looked at my claim and made notes of the extra information I gave her. She then submitted the claim for investigation again, which took another 3 to 5 business days. This claim was denied also. I have pleaded with Chase to please give me my money back, I even offered to provide more proof of the location of myself and my mother whose account is connected to mine. I was told that more documentation would not be needed. Without the further documentation, the claim was submitted again and today I received a letter saying that my case was closed and could not be reopened again. I do not know what else to do. The absence of this money set me back tremendously with bills right before the holiday season. I am a student, I work as a server for tips and {$200.00} is sometimes all the money I can make in a whole week. I did not travel an hour away between work and school to a city where I have never purchased anything and pay a fee to get cash back from a grocery store when there is a Chase ATM right down the street from me. My family and I will be closing our Chase checking accounts soon because we no longer trust them with our money and other than consulting an attorney we do not know what else to do about this situation. | ||||||
| 06/16/2023 | Yes |
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| XXXX XXXX Deposited two third party checks into my account under XXXX XXXX. They were in the name of XXXX XXXX, a friend, who endorsed the backs of the checks with his signature in terms of the branch instructions. I did this because he uses an online bank and can only withdraw checks under a certain amount on their app. These checks were for {$5000.00} and {$19000.00}. XXXX XXXX Received a notice from Chase that my account had been restricted. I phoned the number in the letter and spoke to someone in the fraud team. This rep informed me that the issuer of the $ XXXX check had a red flag due to fraudulent checks and they would need to investigate. I gave them an explanation of the situation and answered all their questions- Im not asked for XXXX contact number. I was told I would find out on the XXXX XXXX XXXX if my account would be open again but would be frozen until then. XXXX XXXX My account remains frozen so I phone again. I was told that I hadn't given them a contact number for XXXX and that I was informed in the first call that that is what they needed. I provided them with two contact numbers for XXXX but, according to their number verification system, these numbers didnt belong to him and that they would not be able to contact him. I spoke to Chase 4 times on this day, trying to figure out how to get a number that suited their system. I was in contact with XXXX the whole time who is completely willing to assist in resolving any issue. He even registered a new number to his name to satisfy their system but apparently this wasn't coming up under his name either. When I asked them to check my number, it came up with two names : me and someone I'd never heard of. Im told I could go to a branch to withdraw the funds that were in the account before the deposits. If I dont provide them with a verified number for XXXX , my account would be closed. XXXX XXXX I phoned Chase 6 times. Throughout these calls, I received different accounts of what was wrong and different solutions. One rep called XXXX even told me that there was no restriction on my account and that I should be able to access it by the end of the day. She even said she was certain that there was no risk of closure of my account. Another rep tried to contact the issuing banks for verification but some didn't answer the phone so she had to give up. The next rep told me that even if they got verification from the issuing banks, that would change nothing as they needed to speak to XXXX. At one point, I spoke to a supervisor who told me that all they needed was XXXX to tell them he authorized me to deposit the checks but they would only be able to speak to him through a phone number verified by their system which was obviously faulty. I suggested different ways to contact XXXX including him giving an affidavit or certified documents but the supervisor said that only getting a verified number for him would work. One rep said that even if XXXX was to go to a branch with his ID, they still would not approve him. I went to the branch to withdraw the funds which were in the account before the deposit in line with what they said multiple times. The branch had to call the same team for permission to release funds but was refused. Another rep in the branch told the person helping me that she must hang up and call again because shed get a different answer from a different rep. She phoned and was refused again. I phoned while I was in the branch and was told that I could withdraw funds and stated that theyd make a notation on the account so the branch wouldn't need to phone in themselves. The notation never appeared on my account, the branch phoned in again and was refused authorization for the withdrawal. My account will be closed and there is nothing I can do about it despite the fact that all parties involved can confirm that there is no fraud. I got mixed information constantly and its clear that their systems are broken. | ||||||
| 04/15/2019 | Yes |
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| On XX/XX/XXXX I deposited {$9600.00} into a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, with an annual percentage yield of XXXX percent, a term of 15 months and an automatic renewal at the end of each term. On XX/XX/XXXX I was mailed the original certificate of deposit to my home in XXXX, Florida. I placed the mailed envelop that contained the original certificate of deposit, the receipt from the bank for the XXXX and the Terms and Conditions pamphlet in my personal bank safety deposit box. The certificate remained in the safety deposit box until I moved from XXXX to XXXX XXXX, Florida in XXXX when I moved it to a new bank safety deposit box in XXXX XXXX. Although the XXXX has my correct full name and correct Florida address where I lived for 22 years ( XXXX XXXX ) I was never contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other financial institution concerning my XXXX at any time between XXXX and XXXX. It is my understanding that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was acquired by XXXX XXXX in XXXX along with all its financial accounts and assets and in XXXX all assets and holdings of the original XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX were purchased by JP Morgan/Chase. During none of these transitions was I ever contacted by any of the financial institutions. The New York State Comptroller Office said legally the banks had to honor the interest rate for five years then if they could not find me they had to transfer the funds and interest to the State of New Yorks Comptroller Office of Unclaimed Funds where the funds would continue to receive interest for a period of another five years. The NY Office of the Comptroller has completed a full search and can not find any evidence that any of the banks in possession of my XXXX funds ever transferred the XXXX funds and interest as required to the State of NY Unclaimed Funds. I contacted JP Morgan/Chase as they purchased all the assets of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. When I contacted JP Morgan/Chase I was told that even though I have the original XXXX and XXXX bank receipt that proves the funds have never been withdrawn, that since JP Morgan/chase legally does not have to retain files for more than seven years they had no record of the XXXX and they refused to honor the XXXX. As I have the Original XXXX, the XXXX bank receipt, the original XXXX Terms and Conditions bank pamphlet as wells as the original envelop postmarked XX/XX/XXXX that contained the original XXXX and it has been in a bank safety deposit box since XXXX that should prove that I am owed the original amount plus interest. It is not fair to me and very convenient for JP Morgan/Chase to claim they do not have to honor the XXXX and can keep my money and the interest since they are only required to maintain records for the past XXXX years. Why was I not contacted during any of these institution changes since my XXXX was part of the assets they acquired? They should have contacted me when they purchased the assets originally belonging to XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX I am a XXXX XXXX living on a fixed social security income. Losing not only the original amount of {$9600.00}, due to the banks refusing to contact me, but the many years I thought it was receiving interest, should be a crime. The XXXX would be worth about {$30000.00} now! It is the responsibility of JP Morgan/Chase to honor my XXXX which they acquired and have had full access to profit using my funds. Their reasoning that they have no records past the last seven years is not acceptable as I have the original XXXX and receipt that they should accepted as recorded proof. The FDIC stated to me that this XXXX would have passed from each bank to the next as they were acquired and would now be with JP Morgan/Chase. JP Morgan/Chase should honor the XXXX and allow me to withdraw all of the original funds plus any interest. | ||||||
| 05/23/2017 | Yes |
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| My name is XXXX XXXX and I have been a Chase customer for 9 months. I get my social Security XXXX check direct deposit into my account every XXXX of the month since I opened my account with my first XXXX check back in XX/XX/XXXX in the amount of {$7300.00}. XX/XX/XXXX XXXX XXXX I went to get my chase bank card out my wallet but it was n't in my wallet, I looked around my house and checked every where and could n't find it, and that 's when I realized my chase bank card was lost. I called chase XX/XX/XXXX around XXXX or XXXX to report my card stolen, the representative then told me that there was money drawn from the account and a check was also deposited into my account. I told the representative I only get social security XXXX checks and that 's the only checks I ever I had deposited into my account since I been with chase, so what ever check and transaction made to my account on XX/XX/XXXX-XX/XX/XXXX was not made by me and did NOT have my authorization to use my card or have access to my account. The last time I used my chase debit card was XX/XX/XXXX and I withdrew amount {$300.00}. The person withdrew large amounts of money from my account at once, amounts {$800.00}, {$2100.00}, {$200.00}. {$200.00}, and also deposited a fraud check for the amount of {$2600.00} in a 2 day time frame all done from the same place and address, and I NEVER used my card to withdraw money in that type of manner. The most I have ever withdrew from my account was $ XXXX {$450.00}. I spoke with a representative from the claims department name XXXX around XXXX XX/XX/XXXX and told her exactly what I explained above and filed a dispute with her against those transactions. {$1000.00} was credit back into my account on XX/XX/XXXX and another {$2100.00} was credit into my account XX/XX/XXXX but then chase bank sent a email to XXXX XX/XX/XXXX saying they were reversing the credit on my account XX/XX/XXXX because the card fraud department said I confirmed the transactions, and they were reversing the credit in my account on that decision. XX/XX/XXXX Chase took all my money in my account including my social security XXXX check that was deposit to my account on XX/XX/XXXX. I called chase claims department XX/XX/XXXX and spoke to a representative name XXXX XX/XX/XXXX at XXXX and told her I NEVER confirmed any transactions and that was a lie, I asked her can I be provided proof of where I confirmed these transactions and XXXX said no, I could not be provided proof of my confirmation. I called back XX/XX/XXXX XXXX and spoke with a claims department supervisor XXXX XXXX and I asked him why was my dispute denied because my card was stolen and I did not make any of the transactions they are holding me accounted for, I even explained how I went to chase branch XXXX/XXXX/XXXX and got a brand new XXXX debit card so it was impossible for me to make any of those transactions because my card was lost at that time. XXXX told me he was sorry but there was nothing he could do for me. I asked XXXX XXXX to please provide me proof and evidence of my confirmation because I did n't confirm anything, but XXXX said he could not provide any proof. I spoke with a XXXX XX/XX/XXXX from the cards fraud department and he told me there was a text message sent to my phone where I confirmed the transactions, I told XXXX I did NOT receive or confirm any transactions made on XX/XX/XXXX- XX/XX/XXXX and can I please be provided proof of this confirmation and XXXX told me he could not provide me with any proof. Chase bank has taken all my money I had in my personal chase bank account that 's also my social security XXXX income which is my only income. I 'm asking to please help me get my money back the total amount chase owes me is {$3300.00} please help me resolve this matter. I have documents from my chase account to prove I only get XXXX checks and no other checks I never had any problems with my account until XX/XX/XXXX was the first time. | ||||||
| 01/10/2017 | Yes |
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| Issue XXXX : Upon sign-up for this card product, the card promised a XXXX cash back bonus with a usage of XXXX within the first three months. The account was opened in XXXX and reached XXXX by XXXX with a balance of XXXX on the XXXX statement. An email was sent in XXXX XXXX through the secured site, and a return response not addressing the issue. A second inquiry was placed via phone for XXXX different things : XXXX. The first representative stated that I had not made the XXXX by XXXX/XXXX/XXXX. Once I pointed out that I had ... ..the phone disconnected. I called right back, and the second representative stated that " This card product is not eligible. '' When I reiterated that this product is constantly advertised for the reward, he merely repeated the same. Complaint XXXX : I get different information regarding payment on each call which results in a return payment and fees. I just can not seem to make a payment directly through the Chase website : Ive had several returned payments ( XXXX from a Saving account -- online and representative ) and XXXX in a Checking account that was not run by within the 2 day timeframe. After calling on XXXX/XXXX/XXXX to check and see why my payment made on XXXX/XXXX/XXXX had not posted, I discovered that it was returned due to Insuffiencient funds that were actually in my account on XXXX/XXXX/XXXX when it should have come out. I was told in a l XXXX minutes phone call that I could make the payment with a representative as long as it was by XXXX XXXX Because I had money in a Savings account that would be available at XXXX, that had previously been rejected online for some reason, I asked if I could still use this account. The rep said " Yes, but not online anymore. At XXXX, I contacted Chase, expressed my concerns again in a XXXX, and made a payment of XXXX after being told I could. I called back again XXXX. to be sure. The payment was slated to come out on XXXX/XXXX/XXXX. After checking my account, I called on XXXX/XXXX/XXXX to verify what it had not come out. I was told that it was posted with Chase, but check my bank by the XXXX I called again on XXXX/XXXX/XXXX at XXXX to no avail. On XXXX/XXXX/XXXX my other credit card payment that I had made AFTER Chase came out, and I call Chase and expressed my concerns in full yet again in a XXXX phone call. I was told several things XXXX. The payment was returned due to a " bad account. '' The representative insisted that some banks do n't allow payments out of Savings accounts even after I stated that I pay bills out of this account and XXXX had just cleared. She transferred me to a supervisor, who I expressed my concerns to yet again in full. She stated that " Chase does not accept payments out of Savings accounts. '' When I told her that about the XXXX/XXXX/XXXX conversation which now is causing me to be both late with a returned payment fee, she stated " I will counsel that person. '' When I inquired as to how I could get this paid immediately, and I was only offered " Just make the payment soon. '' When I inquired of XXXX XXXX, I was given " JP Morgan Chase/ XXXX XXXX Chase Bank USA NA XXXX XXXX XXXX I also inquire of the Consumer Credit Reporting number and was given a number that I later discovered in another phone call was incorrect. I contacted Chase Corporate and filed a complaint. When I arrive to XXXX XXXX, I discovered that the form did not asked for the information that I was given, and I made yet another call to Chase at XXXX XXXX ( XXXX ), and the representative informed me that XXXX XXXX payments were not same day posting, but 5 days instead. I asked for a supervisor, and explained my concern YET AGAIN, she informed me XXXX. XXXX XXXX payments are XXXX days XXXX. Because of the Savings account was rejected previously, I would need a letter from my bank to reinstate and I could pay from it. She also noted that all of my notes read " Called to inquire of payment '' instead of details. | ||||||
| 02/22/2016 | Yes |
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| XXXX XXXX, XXXX To Whom It May Concern at Best Buy/Chase Bank, Please let this letter serve as a formal complaint to both of your entities, the credit reporting bureaus, the Consumer Financial Protection Bureau, the California Department of Consumer Affairs, the XXXX XXXX Department of Consumer Protection, the California Office of the Attorney General, and the Office of the Comptroller of the Currency. Fact # 1 ) I, XXXX XXXX XXXX obtained a Best Buy credit card XX/XX/XXXX. I used that card at that time for a promotion to buy a refrigerator for {$2200.00}. I did so because the promotion offered " {$0.00} down and 0 interest '' as long as the balance was paid off within 12 months. I did exactly that -- I paid off the purchase within a year and had no problems. There was no monthly interest charge, and there was no monthly minimum payment. Fact # 2 ) I did not use that card again until XX/XX/XXXX. XX/XX/XXXX, I purchased a sound system for my home for {$910.00}. I made this purchase based on an advertisement campaign similar to the previous one XX/XX/XXXX ( I have enclosed a copy of a similar advertisement from today which offers 0 % interest on all purchases over {$390.00} AS LONG AS the purchase is paid off within 12 months. ) Nowhere in the promotion did it say that a minimum payment had to be paid each month. I confirmed the details of this promotion both with the manager on duty at the XXXX XXXX XXXX store where I made my purchase, and again with the cashier at check-out. I did this twice because I wanted to be sure, and because I did the exact same thing the first time using my card for a promotion in XX/XX/XXXX. FACT # 3 ) Similar to the period from XX/XX/XXXX-XX/XX/XXXX, I did make sporadic payments over the next year ( XX/XX/XXXX-XX/XX/XXXX ) to bring my balance to what should have been a {$0.00} balance by XX/XX/XXXX. Instead, your company immediately after my purchase began charging me interest on my balance. Without my consent, I was accruing interest monthly, directly against the terms of the promotion I agreed to. XX/XX/XXXX I had a balance of {$310.00}, which I paid in full XX/XX/XXXX because I had already received a communication telling me that I was past due for that amount. Please note that I paid {$470.00} in interest and fees that I never agreed to, and were NEVER mentioned in the promotion I agreed to. This was a drastically different experience than the first time I used the card. Fact # 4 ) I had planned out my budget for the year, and as evidenced in the attachment below I made payments according to that plan to come to a zero balance by the end of one year term ( XX/XX/XXXX to XX/XX/XXXX. ) Nowhere in the promotion did it say I had to make specific monthly payments, and specifically in my conversation with both the manager on duty AND the cashier I asked if I needed to make a monthly payment -- the answer was always " no, as long as you pay it off by the end of a year. '' Fact # 5 ) Your company 's incorrect addition of interest and other fees from the time of purchase NOT ONLY erroneously added {$470.00} to my account, but when the balance thus deviated from my plan it caused me to become ( inaccurately ) " delinquent '' in paying my bill. Again, I asked XXXX separate employees ( XXXX the manager ) if I needed to make scheduled monthly payments and was told " no. '' And that 's how it had gone the first time I used the card. These inaccurate " delinquencies '' were then incorrectly reported to the credit bureau. Your erroneous actions in this regard have been extremely detrimental to my credit rating. This has prevented me from obtaining a home loan and other necessary financing for both my business and personal life. This in turn has caused me and my family significant emotional and financial distress. Best Buy/Chase Bank, because you did not honor the terms of your promotion I have been wronged on XXXX fronts : 1 ) I have been erroneously charg | ||||||
| 06/30/2021 | Yes |
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| Related to my COMPLAINT ID XXXX submitted on XX/XX/XXXX regarding the unauthorized opening of Chase Sapphire online account and fraudulent transactions and money stolen from my chase checkings and savings account. I received a call from Chase Executive office related to the complaints I filed to the Chase banking/claims department and I was informed by the executive office person MrXXXX XXXX on XX/XX/XXXX that they would try to provide me a response by XX/XX/XXXX and I have sent an email and also a copy of my Chase checking/savings statements ( XX/XX/XXXX ) highlighting fraudulent transactions and unauthorized money withdrawals ( using XXXX fraudulent debit cards ) on XX/XX/XXXX at XXXX pacific time to executive.office@chase.com, so far I have not received any acknowledgment for the receipt for the email from executive office ; however, I received an email through Chase secure message dated on XX/XX/XXXX at XXXX that my claims for refunding money are denied again. Please see attached copy of the chase message stating denial of claims for further details. 1 ) I was informed through the chase claims denial letter on XX/XX/XXXX that my claim number XXXX was denied ( total money claimed here was {$29000.00} stolen from my checking XXXX accounts on XX/XX/XXXX and XX/XX/XXXX and so far I was reimbursed only {$18000.00} ( {$8500.00} plus {$21000.00} on XX/XX/XXXX to Chase newly opened checking XXXX account ). 2 ) Further, Chase bank keeps stating that the transaction for claim # XXXX did not post in the XXXX checking account ( which was actually closed on my request due to fraudulent activity and new account XXXX was opened on XX/XX/XXXX ), and chase bank denied 2nd claim # XXXX for stolen {$11000.00} via fraudulent money withdrawals using an unauthorized XXXX debit card. Please note that the {$11000.00} stolen money on XX/XX/XXXX using XXXX debit card via ATM withdrawal at XXXX XXXX from my checking account, XXXX was actually posted on new account XXXX on XX/XX/XXXX but still chase bank keeps denying the claims and not refunding the money For both the claims, I also sent the proof of my bank statements ( highlighting and explaining by handwriting ) via fax to the chase claim department, Texas fax number XXXX, XXXX XXXX XXXXXXXX to the Texas customer 's claims department on XX/XX/XXXX, and also to the Executive office email on XX/XX/XXXX by scanning the copies of statements and faxed again to claims department on XX/XX/XXXX again. Chase bank 's rude approach to Consumers : When I tried to call the executive office on XX/XX/XXXX at XXXX Pacific time using the number XXXX the chase executive office personnel named XXXX sounded upset with me that I called this number executive office number directly instead of going through the local banks to sort the issues. I have explained to XXXX at the executive office that I have been approaching local banks multiple times ( since XX/XX/XXXX ) and they raised the complaints on behalf of me but I have not received any callbacks from the executive office, chase claims, or complaints escalation team. I also received a call in my landline phone number from XXXX XXXX on XX/XX/XXXX chase complaint escalation group and I missed that call as I was working on that day and I have tried to call back on XX/XX/XXXX and XX/XX/XXXX and left 2 voice messages but I received a letter dated XX/XX/XXXX from chase bank stated, " we will stop contacting you about your recent concern as we have not been able to reach you ''. Chase complaint escalation department attempted to call my land line only once on XX/XX/XXXX and already sent me this letter stating that they will stop contacting me. This is not fair as my issues are not solved yet and I am not getting any proper response from any of the Chase bank personal to my complaints so far. Please do the needful to sort these above issues with chase bank and refund my stolen money. Thank you XXXX XXXX XX/XX/XXXX. | ||||||
| 07/28/2020 | Yes |
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| Summary : I was scammed and sent two payments to a lawyer, XXXX XXXX via Chase QuickPay by XXXX yesterday. The total amount was {$1800.00}. Chase should have stopped these payments as the account could be used for multiple frauds and they were on notice. Chase informed me that they will not get my loss money back. What happened : I received a spoofing phone call yesterday morning from XXXX XXXX and XXXX XXXX mentioned that they were calling from the US Immigration and Custom Enforcement ( ICE ). XXXX called and told me that I was being investigated by ICE. When I asked XXXX about how she got my phone number, she quickly told me her supervisor would speak to me. XXXX, who claimed himself as a counselor and XXXX XXXX supervisor, told me that I missed putting the XXXX Number on XXXX. He said that this information was needed when I traveled outside the US before I became the US citizen. Due to Trump administrations Enforcement and Removal Operations, all US citizens traveling records have been checked. He said that the police had a warrant and was going to arrest me until further investigation was done. He navigated me to find the phone number he called from ICE website and gave me an ICE case number ( ICE XXXX ). He also navigated me to find the form for immigration bond which would be used for the investigation. He told me that I had two options. Provision XXXX : fight the case by myself or hire a lawyer but a police will come to my place to arrest me until all travel records are clear. Provision XXXX : ICE to hire a private lawyer to present me to investigate the travel records. I must pay for the immigration bond. At the same time, I received another phone call. XXXX told me to pick up the call because it came from the police. He said if I don't believe him, check the phone number. I searched the phone number and it was from XXXX XXXX Police Department. I answered from XXXX XXXX who claimed himself as an officer from XXXX told me to cooperate with ICE. He also mentioned about the immigration bond amount is {$1800.00} and I must make a payment within 25 minutes. As a result, I wired {$600.00}, and {$1200.00} for an immigration bond to an attorney- XXXX XXXX XXXX XXXX ) via XXXX under XXXX XXXX instructions. XXXX told me this attorney was hired by ICE to represent me. The bank account and password were compromised because I allowed XXXX to view my phone screen via XXXX XXXX XXXX and I logged in to the bank account while the fraudster XXXX was instructing and navigating me to make two wire transfers via XXXX XXXX {$600.00}, {$1200.00} ). Unfortunately, I also told XXXX about my money in two other bank accounts. XXXX told me that these wire transfers via XXXX did not go through and I should make money payments via another bank account. He further mentioned that I should already receive two email notifications by now. As I saw two emails from XXXX XXXX about the QuickPay by XXXX did not go through and money would be refunded to my account in 2-3 hours, I became suspicious. While XXXX was on the call, I asked him to wait. I called XXXX police for help and learned that there was no officer named XXXX XXXX. I told XXXX about this. He said that there is another police who will help me and XXXX is busy. Shocking and realizing that I was scammed. I said to XXXX, " You scammed me. Bye. '' I called Chase for help yesterday and wanted to cancel the two pending transactions, but they said they would not be able to pay back any loss money for authorized transactions. I called Chase again this morning and they would not help me. Reason to fall for a scam : I recently had been encountered some xenophobic harassment in my neighborhood and felt slightly vulnerable about my own safety. Unfortunately, I fell for a fraud during this time when Trumps administration has been attacking the XXXX community. Please help me to get my money back as I am currently unemployed. Thank you. XXXX, XXXX | ||||||
| 05/13/2020 | Yes |
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| I unsuccessfully tried to resolve a credit card dispute with the Merchant - XXXX - and then with the credit card issuer - CHASE. The charge remains on my account even though the merchant cancelled the order and I never received the merchandise. I was informed on XX/XX/20 that CHASE concluded that the charge is valid even though I " may have a valid complaint with the merchant. '' To-date the corporate office of the merchant, has not returned any of my emails or phone calls forcing me to coordinate with CHASE. Further, CHASE notified the following credit reporting agencies, XXXX, XXXX, XXXX and XXXX that I disagree with the resolution of the dispute. I was informed in the merchant store on XX/XX/20 that the merchant cancelled my order sometime between the original dispute of XX/XX/20 and XX/XX/20, despite proceeding with Dealer Record of Sale paperwork on XX/XX/20 and instructing me to return to the store after XX/XX/20 to pick up the merchandise. The merchant failed to inform me that the order was cancelled, charged me fees for the background check process and filed paperwork on my behalf on XX/XX/20 indicating that I would be able to pick up the merchandise after XX/XX/20. On XX/XX/20, I waited in line for over 4 hours with the referenced merchant order pickup paperwork instructing me that I was eligible to pick up the firearm any time after XX/XX/20 at XXXX. On XX/XX/20, the merchant indicated that I would have to start the entire process over since they cancelled the transaction without informing me or contacting CHASE. I originally disputed the charge on XX/XX/20 due to XXXX 'S corporate instructing me to go to the local store for background check processing on or after XX/XX/20. I waited in line for 3 hours on XX/XX/20 and upon entering the store was told that my online order could not be located and that I would have to return at a later date. No date was specified. I emailed and called XXXX 'S corporate on XX/XX/20 and did not receive answers to my inquiries. I was also unable to reach corporate or the local store on the phone since they were not answering them. I placed the original dispute on my CHASE card on XX/XX/20 until I could figure out what was going on with my transaction since the full payment was due within a few days. I again emailed corporate on XX/XX/20 and did not receive a response. XXXX 'S corporate, nor the local XXXX XXXX store responded to any of my numerous email or phone inquiries regarding the location or status of the merchandise. On XX/XX/20, I went into the store and was finally able to verify that the merchandise was in stock at the local store, and that they could begin my background check on that date. I filled out the paperwork and they used my {$650.00} original charge as a deposit. I was told to contact CHASE and reverse the dispute, which I did on the morning of XX/XX/20 ( CHASE Disputes was closed by that time on XX/XX/20 ). I called CHASE on XX/XX/20 and indicated that the dispute was resolved with the merchant. The {$650.00} charge was rebilled to my card on XX/XX/20. I was only able to get in the store on XX/XX/20 when I was told that the order was cancelled on XX/XX/20. I disputed the transaction again since the charge remained on my account even though the merchant - XXXX XXXX - claimed that it was cancelled. I spoke to a CHASE Disputes representative on XX/XX/20 after my dispute was denied who indicated that I needed a receipt indicating that the merchant cancelled the order. I went to the merchant store on XX/XX/20 and the merchant provided me with a cancellation receipt and stated that the order was entirely cancelled. I submitted this to CHASE and asked them to reopen the dispute. I received a notice on XX/XX/20 that CHASE denied the reopened dispute even though I did not receive the ordered merchandise, confirmed with the merchant that the order is cancelled and the receipt I provided indicates that credit is due. | ||||||
| 07/08/2015 | Yes |
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| For a number of years I have held an open Southwest Airlines Visa credit card, always in good standing, serviced by CHASE credit card services. Earlier this year I contacted CHASE services requesting the {$59.00} annual fee be waived. I was advised such action was not an available option. My account would remain active through XX/XX/2015 ; upon renewal in XX/XX/2015 I would then need to make a decision but would enjoy cardholder privileges until then. The night of XXXX XXXX I phoned CHASE services and spoke with XXXX regarding document XXXX I received via USPS. She advised she was not familiar with the specific changes to the above referenced credit card and requested I remain on hold until she could confirm accurate information accordingly. The document advises the annual membership fee will increase to {$69.00} effective upon renewal and will be billed on or after XXXX/XXXX/2015. It continues specifically stating : '' The change takes effect XXXX/XXXX/15 ... You have the right to reject the change in the Revised Terms table. If you want to reject this change, you must contact us by XXXX/XXXX/15. " I clearly communicated I chose to reject the offer, but my understanding was that service would remain active until renewal - XX/XX/2015. She initially confirmed, but then put me on hold to enquire, returning to advise in the contrary, that the account would be immediately closed referencing document statement " However, if you reject this change, you will not be able to use your account for new transactions and your account will be closed. " Very confused, I asked why only 8 months into the paid annual term I would have to cancel the card as opposed to at renewal. I advised her of my prior enquiry with CHASE card services advising me the card will be closed upon renewal, not earlier, if I am not agreeable to paying the annual fee. She advised I can cancel any time up to XXXX/XXXX/15 to close the account and avoid being charged the increased annual fee. When I stated this information clearly contradicts what the document reads " If you want to reject this change, you must contact us by XXXX/XXXX/15 '' she repeatedly stated I can cancel up to XXXX/XXXX/15 by contacting CHASE services or I can cancel now and the account will be immediately closed. I repeatedly asked for clarification regarding the early cancellation clause and discrepancies between her instruction & document statements but no plausible explanation was put forward. I then reluctantly stated I will cancel at this time as the document states the offer must be rejected by the given date and it does not reference any information she is providing. I then asked when my {$59.00} annual fee will be returned but she advised it is nonrefundable as I am voluntarily canceling the account beyond the 180 day grace period??? I responded that I certainly am not voluntarily canceling early ; CHASE clearly states I must decide in advance, by XXXX/XXXX/15, if I 'm agreeable or refuse to an increased annual fee of {$69.00} to be effective XXXX/XXXX/15. She then states again I do not have to cancel until XXXX/XXXX/15 and advises me to read the card agreement. Reading the agreement, it clearly states change is allowable, specifically referencing the APR which is tied to changes of the Prime Rate and terms/conditions i.e. late payment, cash advances, etc. No statement is in the agreement that advises, or remotely implies, that the forthcoming annual fee upon renewal is subject to increase at any time during annual term otherwise CHASE initiates early termination of the account & services already paid for without reimbursement. CHASE, is attempting to retain banked membership fees without honoring its responsibility for services paid for in advance. This entire agreement change is its initiation and exploit. Clearly, CHASE can not terminate my account early, retaining fees, simply because I am not willing to renew in advance. | ||||||
| 04/14/2019 | Yes |
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| On XX/XX/2019 someone that was not me or my fiancee made 3 withdrawals made from my checking account in the amounts of {$160.00}, {$200.00}, and {$500.00}. There was also a cash deposit of {$50.00} made on XX/XX/2019 and this person also tried to deposit a stolen check of {$300.00} into the account on XX/XX/XXXX. These transactions happened at two different Chase Bank locations ( one in XXXX, GA and the other in XXXX, GA. ) I immediately called the bank on XX/XX/XXXX notifying them that I saw withdrawals made on my account that were not done by me. They told me that they were still pending and they couldn't do anything until they were processed and cleared. On XX/XX/2019, they were processed and I called back to file a claim. At this point, I filed a claim and asked the lady what I was supposed to do regarding my account ( because it had been emptied out. ) She said to keep using it like normal, once the claim is approved the money will go back into my account and any fees from insufficient funds would be reimbursed as well. After 5 days ( they said it would take 3-5 days ) I called back because I noticed that this person tried to deposit a {$300.00} check into my account. The person I talked to this time said that they would freeze the account so no more transactions could take place and that I should open a new account, so I did. I kept calling back every week trying to figure out the status of my claim with no answers. I finally received a letter in the mail near the end of XX/XX/XXXX stating that my claim was denied because " we determined that you benefited from the funds. '' On XX/XX/2019, I called Chase Claims Department again to figure out why my claim was denied. I was told it was denied because of the following 3 reasons : 1 ) When making the withdrawal ( at a teller ) the person provided a photo ID ( a driver 's license. ) 2 ) Chase said I did business at those branches before. 3 ) The signatures matched. 1 ) When talking to this lady I went over everything with her, she asked me for my driver 's license number and she said that the ID given with these withdrawals did not match the driver 's license number I gave her ( it was missing a 1. ) 2 ) This lady looked over all of my past interactions with Chase and said that I have never been to either of the two branches where these fraudulent transactions took place. ( I haven't. ) 3 ) This lady also said that the program she used showed that the signatures didn't match, but the department that approves and denies claims uses a different program. ( The signatures are similar but there are two very distinct differences in my real signature and the fake signatures, one in my first name and one in my last name. ) This lady sent a request to reopen the claim on XX/XX/2019. I never heard anything back and called again on XX/XX/2019. They said they didn't see anything in the system and would send a request to reopen the claim ( I went over everything with this person that I did with the lady on XX/XX/XXXX. ) Still, not hearing anything back, I contacted them again on XX/XX/2019 and requested to speak to a supervisor ( his name was XXXX. ) I went over everything with him again and he agreed with the other 2 claim specialists and sent it in to be reopened and said it would take 1-2 business days. On XX/XX/2019, I spoke to another supervisor ( her name was XXXX ) and she said it was denied and there was nothing they could do to refund my money unless I were to take legal action. During all this, I also filed a police report for identity theft which was then forwarded to the counties in which these transactions took place. One police department said Chase was being uncooperative and at that location the thief only withdrew {$160.00} so the police department didn't feel it was worth their time and closed my case. The other police department said they are back logged with cases and have not even looked at my case file yet. | ||||||
| 05/14/2018 | Yes |
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| Hi There, I was involved in a money transfer error on the fault of either Chase Bank or XXXX, of which I am not really sure to hold accountable for the mishap. On Friday XX/XX/XXXX, I had a friend send me what he thought was a Chase Quick Pay for {$820.00}. After it was sent and I hadn't received, I then proceeded to call Chase customer support to figure out why I wasn't seeing the money in my account. Chase support let me know that the payment was currently suspended, and that the reason that it had not gone through yet was because I needed to make the email it was sent to my primary account email address, even though the email it was sent to initially was already registered to my account. They told me that it should end up in my account within minutes after updating. After not seeing it show up, I called back and they guaranteed me the money would be in my account the next day, if not the next business day at the latest. Chase also advised that we should not attempt to cancel the payment ( whether we would actually be able to cancel I'm not entirely sure ). After then calling back again on Monday from not receiving and going into the bank to try and figure out why, we then went into the bank to try and figure out if the money was being held up anywhere. After multiple attempts to get an explanation why it didn't end up in my account, we then requested Chase attempt to retrieve the funds. Since I do not have any other bank accounts open with my email address, they assured me that they should be able to find where the money went. Two weeks later, we heard back from Chase through a letter that the payment was successful and that they couldn't retrieve it, stating it had went to a XXXX account. I then reached out to XXXX and opened a claim to see if they could help me figure out what happened. To test if there was an email registered with my email, I clicked lost password to see if anything was sent to my email. After not receiving any email to reset my password, I called XXXX where they confirmed my email address was not registered in their system. After coming back to Chase with this information, the bankers helped us to get this escalated to the executive office. There they then opened a new case to try and figure out where the money went again. After not hearing back for a couple weeks, we finally were able to get ahold of Chase to have them let us know that the money had gone to a XXXX XXXX XXXX account. I then reached out to XXXX XXXX XXXXXXXX, and they also confirmed that there aren't any bank accounts set up that have my email address registered, only an email address in their system to send promotional offers to. After then calling on a daily basis to try and get ahold of our executive office representative, we finally were able to schedule a call, where she let us know that she was going to take an extra step to find it. At the end of last week, a couple months after the money was sent, Chase then proceeded to tell us that they were sorry and there was nothing they could do, and we would have to take up the issue with XXXX. Given that there was no fault or mishap in the payment transfer from myself or the sender, I am wondering what the best next steps are to take since Chase has been less than ideal to figure out how we should handle this. As of last Friday, I had filed a formal complaint, and they agreed that they would look into the feedback given to me over the phone at best because they didn't believe that a representative gave me the direction spelled out above ( I also mentioned when we first called about this that they make note of the situation and to save the conversations, which I'm also not optimistic they will say they kept ). Would you be able to help us to determine what the best next steps are? My first thought is to go to file a complaint with the division of banking, but since I'm not sure if this is state specific I am reaching out here. | ||||||
| 10/26/2015 | Yes |
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| Approximately a year ago I inquired to Chase about changing my mortgage interest I had since XXXX to a lower rate. I have a XXXXXXXX7.25 % & XXXXXXXX10.50 %. I have recently retired and my income has been reduced over 60 %. I have never missed a payment and thought they would reduce it to a lesser rate. After numerous calls and filling out the MA form I was told that I did not qualify because I was current on my payments. Also it was for only the 7.25 % loan and they did not look at the 10.5 %. So I missed XXXX payments and they then sent me the forms again. I filled out all of the information again and started the process again. The reasons I feel I qualify for a reduced rate are : 1. Reduction in income. I 'm retired 2. There is a large fracking facility located next door that reduced the property value over 40 %. ( I have appraisal reports ). 3. The XXXX County tax appraisal reduced the property value from {$210000.00} to {$50000.00} in XXXX. 4 : I have records showing where dust, odors, and carcinogenic vapors migrate to my property. 5. It is hard to get the appropriate rent because I have to disclose this information. 6. I purchased the property during the easy qualification standards and probably would not qualify now. I want to fulfill my obligation but on realistic terms. During the next month Chase kept giving me incorrect & inconsistent information : 1.They did a property analysis on the wrong property and would have used it in the decision making but I caught their error. 2. There comps were way off using houses XXXX miles away in more influent areas. XXXX. They did another appraisal with other mistakes. When I called them they said they could not send me the report even though I had in my hand. 4. They changed my loan representative XXXX times. Every time I called to find the status I would have to explain everything all over again. Each XXXX of them requested different documents. This went on for 9 months and I provided everything to them. The last response was it was in underwriting. After " 2 months '' in underwriting I called them on XXXX/XXXX/XXXX to check on it they told me they sold the loan to XXXX. No phone call no letter. I called XXXX and they said that they had the loan and all the documentations and they would get back with me. I received letters from them starting XXXX that I was behind, XXXX letter stating they had everything and if they needed anything they would let me know. XXXX letter for me to fill out another modification form. I redid all the information and sent them all the information again that the form asked for. Later I got a letter stating they have received everything except for paystubs/ tax form. I sent that along with my entire tax returns. I got letters stating they had everything. I have called numerous times during the month to talk with my " service representive ''. Each time he is not available. Left message for them to return my call..No response. Received email on XXXX that they are not considering me anymore because I was late giving them the required information. Called on XXXX to XXXX again my rep not available & I got XXXX. She went on to say that they have not received the information and that they had tried to call me. When I ask when, they stated on XXXX. I told her that was from my earlier phone call that morning. There was no message, no phone number on my phone saying this. I told her that I even called later that same day because I had not heard from anyone. She went on to say that I needed to provide additional information ( leases ) etc. before they would look at it. These leases have been sent before but because all the time has passed renters have moved out and in making all the numbers not correct. So that night I got everything together again and sent it to her asking once received to call or text me. So far no coorespondance. This has gone on way too long. All I am asking is to lower an interest rate t | ||||||
| 07/01/2023 | Yes |
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| On XX/XX/23, my husband and I were denied for a vehicle loan due to a delinquency we were not aware of with Chase Mortgage. We have a HELOC with Chase that had been on a Covid forbearance program. Prior to the forbearance, our account was on autopay. When we entered into the forbearance, the autopay was supposed to be suspended and the rep from Chase was supposed to enter in a date that the autopay would resume that would coincide with the end of the forbearance. Chase failed to do this properly. Instead, they cancelled the autopay completely which caused the account to go unpaid for about five months. The worse part is that Chase failed to provide proper notification that our account was delinquent. We are enrolled in paperless statements yet we received no correspondence indicating that the mortgage was at risk of foreclosure and seriously delinquent. We also did not receive anything in the mail. We received no email or text notifications alerting us that there was a problem. Additionally, we discovered that they had been calling the wrong phone number and did not leave any voicemails according to them. I contacted Chase immediately when we discovered the account was delinquent. I paid the past due in full and asked them to explain how this happened and why we weren't properly notified. The rep said admitted that this should have been handled differently and that the autopay should not have been cancelled if I did not request it be canceled. I asked the rep if Chase would consider removing the derogatory remark from my credit since this was clearly a misunderstanding and miscommunication that largely their fault. The rep said they would escalate the case to try to get a resolution. A few days later, I was informed that Chase investigated and decided that they would not remove the derogatory remark on our credit. This was very upsetting because it felt like they were not taking responsibility for their error. Instead, they were shaming me and making it seem like I should know how to pay my bills and ensure my bills are paid each month. I told them that this was not fair and did not show they value their customers or have any compassion. My husband and I are retired and will have difficulty bouncing back from this mortgage delinquency. This did not have to happen like this and Chase was not cooperative at all. I asked Chase to please provide me with proof that they did the proper notification and they refused to provide me with any copies of letters they claimed to mail and they refused to reforward me any emails they claimed they sent me. They said the only way they would provide me this information was with a court order. XXXX reps from Chase were on a recorded line admitting that Chase made a mistake but the escalations department ignored this and insisted that they were correct and within their right to report us delinquent. This type of derogatory remark is devastating and unfair given the circumstances. Had Chase done the proper procedure, the mortgage would have never missed a payment because autopay would have been reinstated when the forbearance was over. I've been a customer with Chase for a long time was shocked that this is how they decided to handle my concerns. I would like to know what agency we should contact to make sure that Chase fulfilled their obligations under the Fair Credit Reporting Act. We believe that they failed to provide the proper notification and the burden of proof should be on them. I should not have to get a court order to request the documentation from the investigation and recorded calls. I honestly don't believe they even tried to thoroughly investigate this and come back with a fair resolution. The escalations team did not seem competent and had language barriers that did not aid in trying to come to a fair resolution. I would like my concerns investigated by an outside agency because it seems that Chase refuses to police themselves. | ||||||
| 04/05/2021 | Yes |
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| Summary I am writing to file a complaint against JPMorgan Chase Credit Card ( XXXX XXXX XXXX XXXX, DE XXXX ) for loss of assets ( credit card mileage ) that is caused by the negligence of their customer service associate. I am also writing to file a complaint regarding the customer experience when I try to get my asset back and how it caused loss of income and punitive damages. As a resolution, Im seeking getting my asset back and reasonable compensation for the punitive damage that is caused by their negligence along with their apology in a written form. Detail XXXX XXXX on XX/XX/2021 I called XXXX to cancel Chase Sapphire Preferred credit card. An associate helped me to close an account. At the time of closing, I asked the associate about the rewards points earned from the card to be closed. I have over 180,000 Ultimate Rewards points from two credit cards combined. She said it's okay to leave as is because the other credit account is active, so I did. However, when I logged in to check account activity on XX/XX/XXXX, I could only verify 6,451 rewards points. I called the same number to verify and was informed rewards points had to be transferred within 30 days after account close. I explained what I was informed about at the account close and asked an associate to escalate the matter to the company. The associate told me to call back within 10 days to find out the company decision. When I called back, they informed me that the appeal has been denied and there is nothing they can do. I didnt agree with the decision since this was caused by negligence and lack of training of the associate and they are liable for the loss of the client 's asset. I asked to escalate the matter one more time. During the process, I got hung up on multiple times and went through a very humiliating and painful process getting run-around from various associates explaining the same matter multiple times. Eventually they sent me a letter informing me of the same decision. At this point, this is beyond just mileage, since I was forced to deal with this painful issue over such a long period of time and the amount of loss of income and resources far exceeds the initial financial damage they have caused. However, as a consumer of the financial service product, I have the right to protect my assets and keep them from being taken away without a proper cause. Even though Chase is the big bank, and Im just an individual consumer, I would like to see this through and get a reasonable outcome that is socially acceptable. Customer service is one of the biggest key performance indicators in the financial industry, this whole experience made me feel that level of incompetence in the credit card service is indicative of the service quality of other financial products from Chase such as loans and investment products. Another very interesting and disturbing thing about their customer service is how I am being forced to be recorded and they are prohibiting me from recording the same conversation. When I asked them about recording the phone conversation for my future reference, they said the customer is not allowed to do that. Then I replied saying that I dont agree with being recorded either, and they asked me to hang up and go to physical branches. I asked them to give me particular clauses of the customer agreement contract mentioning the part and none of them were able to provide me with specific reference. This certainly made me feel how unfair and unreliable their customer service operation is since it could be my word against theirs without specific evidence and I wont be able to provide any credible and objective reference when I bring this issue with other government regulatory agencies. I would like to empower other consumers of the financial products by sharing my experience and hopefully this can be a reference point when they make decision on financial product on individual or corporate level. | ||||||
| 08/03/2020 | Yes |
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| I'm filing a complaint against Chase Bank for failing to protect customers against authorized push payment fraud. I lost {$27000.00} to a criminal because of Chase 's negligent business practices in refusing to recognize this type of predatory activity as fraud. I transferred money into a fraudsters account because I was being threatened, and Chase refuses to investigate my incident. According to Chase, I signed off on the transfer, therefore its not fraud and I cant claim a refund. They ignored the circumstances I was under and the fact that I was coerced. On XX/XX/2020, a fraudster impersonated an officer from the Georgia Investigations Bureau and claimed my SSN had been compromised. He said there was a warrant out for my arrest because I had over 15 bank accounts opened that were tied to a drug-smuggling ring. If I didn't want to get arrested and have my assets frozen, I had to move money from my Chase checking account to a Chase " government '' account to prove which of the 15 accounts were mine. I got scared as the caller knew a lot of information about me ( e.g. my last 2 addresses, account balances, when I was messaging a coworker from my work laptop ), so I went to a local Chase branch and transferred the requested $ XXXX. I realized it was a scam the next day when, instead of a federal officer giving me a new SSN, the scammer called again saying I had to repeat the funds transfer process with my XXXX XXXX account. On XX/XX/XXXX, I called Chase to stop the transfer, however, Customer Support explained that it wasn't a transfer but a cash deposit into another account, so the matter had to be resolved at the originating branch. On XX/XX/XXXX, I went back to the branch, but the banker informed me there was nothing he could do because I authorized the transaction, and my best bet was to file a claim to recoup the funds. After being passed around for 5 hours from Customer Care to Fraud to Claims ( and disconnected multiple times ) I finally reached a back-office supervisor who directed me to leave a complaint with the Executive Office. I received a voicemail from the EO on XX/XX/XXXX, so I called back and left messages on XX/XX/XXXX and XX/XX/XXXX. When I didnt hear back by late afternoon on XX/XX/XXXX, I called the regular EO number and asked to speak with a representative. She finally called me back and let me explain my situation, to which she said she would see what she could do. On XX/XX/XXXX, she called back and confirmed there was nothing Chase can do because from their perspective, this transaction was NOT fraud and the bank had made no errors. My complaints are : 1. Chase is willfully ignorant - as banking leaders they should've been aware of these scams and taken preventative measures. Instead, they victim-shamed me into believing this was my fault ( commenting this as " an expensive lesson '' ) and did nothing to stop the scammer. I have a police report which considers me a fraud victim ( like hundreds of others ) so I don't understand how this is not fraud. 2. Chase is complicit in these financial crimes by legitimizing this transaction and allowing this fake " government Chase account '' to remain open and possibly scam other Chase customers. Chase didn't want to look at the evidence I had against this account or do research. 3. Chase didn't have controls in place to protect me - Chase knew phishing scams were rampant amid COVID, yet they did nothing to inform customers ( no " beware of scams '' emails sent ). When I deposited money into the scammer 's Chase account, no one asked me what the money was for or gave me warning signals. The scammer 's account was dormant and with a secondary account, which should have been a suspicious red flag to the bank teller, however, she did not stop me from depositing funds into this account. 4. Chase didn't do proper due diligence or monitoring on this person and allowed him to open an account for malicious purposes. | ||||||
| 08/17/2019 | Yes |
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| I ask Chase Auto Finance to:1) Please honor the written agreement and refund an amount of $XXXX based on the excess mileage amount in Section 12 of our lease agreement.2) Change their policies so that they specifically communicate the effective due date in writing so customers don’t feel threatened to pay any amount they claim as soon as possible before the account gets closed and sent to collections without prior notice.Please find the details of my claim below.OnXX/XX/XXXX I returned a leased car for which I had a car loan with Chase Auto Finance. OnXX/XX/XXXX I received a letter from the End of Lease Department at Chase Auto Finance with my total lease liability, including excess mileage.The excess mileage amount due was $XXXX, which assumed a charge of XXXX cents per excess mile. However, this does not match what was stipulated in my lease agreement with XXXX XXXX XXXX, which stated in Section 12 that “You may be charged for excessive wear based on our standards for normal use and for mileage in excess of (a) XX/XX/XXXX miles per year at a rate of (b) XXXX cents per mile.” (Please find a copy of my lease agreement attached)This came as a surprise to me, because a few months before the end of my lease I spoke with XXXX XXXX from JXXXX XXXX XXXX XXXX XXXX, the sales person I attended me in XX/XX/XXXX when I took lease of the car. I explained to him that my lease stated an excess of XXXX cents per mile instead of XXXX cents per mile and he said that someone probably made a mistake.The excess mileage amount stated in the lease agreement is XXXX cents, not XXXX cents. Therefore, the amount owed for excess mileage should be $XXXX. I ask Chase Auto Finance to please honor the written agreement and refund the difference of $XXXXI have tried to remediate this issue with Chase before reaching this point. I called the End of Lease Department at XXXX XXXX several times and I spoke with different people. The first time, onXX/XX/XXXX, I was asked to fax my lease agreement so they could compare it against what they had on their records. I called again on XX/XX/XXXX, and twice on XX/XX/XXXX. In all instances I was told that the agreement stated XXXX cents per mile, and that the amount owed would not be amended. On XX/XX/XXXX I tried to escalate my complaint to a supervisor. I spoke with someone with IDXX/XX/XXXXXXXX, who told me I would get a call back from another supervisor in 72 hours. I asked for a contact number in case I did not hear back and I got a phone number, XXXX XXXX, and a name (XXXX), but they refused to give me a last name. I never received a call back or a voicemail.During one of these calls, I also asked what the due date to pay the amount owed was, because the letter I originally received from Chase just said “Please pay this amount upon receipt of this letter.” I was told that they would close the account after between 120 and 119 days after being open and send it to collections. I asked to get that in writing but they refused several times.I got in touch with XXXX XXXX, Chase Private Client, and XXXX XXXXXXXX, Chase Branch Manager from the XXXX XXXX XXXX XXXX XXXX CA office, who helped escalate the issue with Chase Auto Finance. They first asked me to call XXXX XXXX extension #XXXX and ask for XXXX, who I talked to and got the same response as before. Then they opened a ticket with the Chase Branch Complaint Escalation team, and I got in touch with XXXX (XXXX XXXX extension #XXXX), who reached out to Chase Auto Finance. They reviewed my case and they stood by their decision of charging me XXXX cents per mile.I then asked XXXX if she could ask Chase Auto Finance to get clarity on the due date. She called them and was told that they could close the account and send it to collections as soon as 30 days after being opened, and again refused to provide written proof.Given the circumstances, I felt threatened to pay the total amount due to protect my credit score. | ||||||
| 06/28/2019 | Yes |
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| On XX/XX/2019, XXXX XXXX drove from XXXX, MN to a Chase Bank branch office in XXXX XXXX, WI. XXXX XXXX presented a Chase Bank employee with a letter and documents " showing '' that he was a majority owner in the company XXXX XXXX XXXX , XXXX, an Illinois limited liability company ( " XXXX '' ). The document that Mr. XXXX presented was on XXXX letterhead, created by Mr. XXXX himself. The Chase Bank employee looked up XXXX on the Illinois Secretary of State website and noted to Mr. XXXX that he was NOT ( 1 ) a Manager listed on the state 's website, nor ( 2 ) a signatory on the account. Mr. XXXX persuaded the Chase Bank employee that the Illinois Secretary of State website was incorrect and that the documents that Mr. XXXX had provided should show that he should be added as a signatory. Two days later, on XX/XX/2019, the XXXX XXXX Chase Bank added Mr. XXXX as a signatory. In those two days, Chase Bank never contacted the sole signatory on the account to verify whether Mr. XXXX should be added as a signatory. In those two days, Chase Bank never contacted the Manager listed on the Illinois Secretary of State website to verify if Mr. XXXX should be added as a signatory. In those two days, Chase Bank never contacted the Chase Bank branch office where the business account was opened and maintained to verify whether Mr. XXXX should be added as a signatory. Instead, Chase Bank added Mr. XXXX as a signatory, and then proceeded to request {$10000.00} in cash and the remaining funds in the account ( approximately {$22000.00} ) to be provided to him in a cashiers check. Chase Bank complied, and provided {$10000.00} cash to Mr. XXXX and provided the remaining amount in a cashier 's check. XXXX learned of the fraud on Thursday, XX/XX/2019 and immediately contacted Chase Bank to report it. Chase Bank stated that someone would be in touch, providing the name " XXXX '', but that as an initial matter " Mr. XXXX provided Chase Bank with all the necessary documentation to become a signatory on the account. '' No one at Chase Bank responded all day on Friday. At COB Friday, XXXX contacted Chase Bank and spoke with " XXXX '' who said that the matter was escalated to XXXX, and he would likely call on Monday. When XXXX did not call the morning of XX/XX/2019, XXXX called him directly and left several messages. When XXXX finally connected with XXXX later that afternoon, XXXX informed XXXX that it had not performed any investigation, but would be in touch. On XX/XX/2019, XXXX called XXXX to state that the investigation was still ongoing, but that XXXX 's accounts were now frozen. XXXX reminded Chase Bank that XXXX was the victim as BUT FOR the Chase Bank employee 's failure to abide by internal banking policies and procedures, XXXX would still have its business funds and would not be impeded from performing its business. Although Mr. XXXX MAY HAVE provided necessary documentation, NONE of Mr. XXXX 's documentation or stories were verified by anyone at XXXX or a signatory on the account. On XX/XX/2019, Chase Bank responded to XXXX that " Mr. XXXX provided all the necessary documentation to become a signatory on the account '' even though he was never a signatory on the account and never a manager or controller of the company at any time. XXXX XXXX was a stranger to the XXXX business account, yet Chase Bank added him as a signatory and assisted him with fraudulently withdrawing all {$32000.00} in its business account. XXXX is stunned that Chase Bank would take this position when it is absolutely implicated in this fraud, has insurance to cover it's role in perpetrating this fraud, denies any liability in the act, and has significantly impeded XXXX 's ability to do business by not reinstating those funds. Today, XXXX filed a complaint with the local law enforcement and the FBI. XXXX maintains Chase 's failure to adhere to its internal banking policies and procedures to prevent this fraud. | ||||||
| 08/11/2016 | Yes |
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Web | Servicemember |
| When the economy turned bad XX/XX/XXXX and worst in XX/XX/XXXX, we 've experienced unemployment, rehired temporarily, then unemployed and rehired part-time only. Our finances took a hard hit and we were living pay check to pay check. Since XXXX XXXX & till today, we 've received misinformation by the mortgage debt collector both over the phone and in writing. The debt collector would always state that we never kept our payment arrangements therefore they could not honor any plans that we tried to make with them, when in fact the collector was the bully who set unrealistic payment dates and amounts for our mortgage. For us, it was not it was not so much the amount but the date that the collector wanted. While we always wanted the dates that coincided with our paychecks, it was never approved by the collector. The collector stated that it could not be done. Therefore we had no choice but to agree to the collector 's date. In retrospect, it appeared like a setup. XXXX XXXX, we made a {$5000.00} money wire to them. When XXXX XXXX rolled around, we received a letter approx XXXX XXXX, stating our loan was in default again since we did not meet the XXXX XXXX date. We called the collector and reminded them that our payment was for XX/XX/XXXX ( to include the late fees ) because our paychecks posted on XXXX XXXX & XXXX. The collector insisted that it was not an arrangement that was made with them, therefore, our loan was right back to the large amount due of approx {$3500.00}. All arrangements were off the table and back in default. It was ridiculous since we had just paid {$5000.00} in XX/XX/XXXX and our funds were exhausted until our next paycheck in XX/XX/XXXX. The collector knew that and agreed to XX/XX/XXXX. ( Note : Payment of {$8500.00} in 27 days was unrealistic. ) So, XX/XX/XXXX the collector sent us an application packet for a loan modification. We completed the application and mailed it in XXXX XXXX. In the interim, we were communicating back & forth with the collector. Again unrealistic payment dates were being set up by the collector. Consequently, we continued to get blamed for not keeping the dates that we never set up but was forced to agree with so that the collector had something to log in their computer system. Many times, we were given erroneous amounts and dates depending on who we talked to. In XX/XX/XXXX when we asked for the status of our modification loan, we were told some paperwork were missing. We then sent it and rec 'd and acknowledgment letter. In XXXX XXXX, we asked again about our modification loan application. The agent checked, came back on and asked us for income numbers, loans, etc. In the end, the agent told us we did n't qualify for the modification. The agent stated that we could be told we did n't qualify over the phone. We stated to her that the numbers we just gave were estimates but that she should check our application instead. We were stunned. I asked what about the application numbers and she stated that she had to take the numbers that I had just given over the phone. We thought " Unbelievable ''. In that same conversation, we were given an amount of approx {$7400.00} that we had to pay on XXXX XXXX. Again the date arranged by the collector. Based on the numbers we had given, the agent stated that the {$7400.00} needed approval from her supervisor. The agent came back on the phone and stated that her supervisor disapproved the {$7400.00}, therefore, the total amount due on XXXX XXXX was approx {$7900.00}. On XXXX XXXX, I rec 'd a letter from an Attorney 's Office stating the entire amount of the loan, {$71000.00} was due. I was shocked and confused because the XXXX XXXX arrangement meant nothing at that point. We 've called the attorney 's office 3 times with no success. We spoke to the collector on XXXX XXXX ; they had no idea why we rec'vd that letter & wanted the {$7900.00} anyway. Their practices appear shady & haphazard. | ||||||
| 04/18/2017 | Yes |
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| I opened a XXXX XXXX Bank Account with my daughter shortly before she reported for XXXX at XXXX XXXX . After returning from training at XXXX XXXX , my daughter visited the ATM to withdraw funds. Her request was rejected due to a XXXX balance in her account. My daughter 's account should have reflected a balance of o ver five thousand doll ars. She immediately called me to see if I had taken any funds out of the account. I told her that I had not touched her account, and I would visit the bank first thing Monday morning to investigate the problem. When I visited XXXX XXXX on Monday as promised, I was informed that a Levy had b een placed on the account due to a judgment against me ( my social security number ). I was dumbfounded. What judgment? When? After discussing the matter with my wife, we went back to the bank to further questioned the matter. We requested a copy of the forms that the bank had to support this action. One of the documents noted Chase Bank as the original holder of a credit card that was issued in my name. I had a gut instinct that I was a victim of identity theft. We immediately left XXXX XXXX and drove to Chase Bank to show them the documents we received from XXXX XXXX . We asked Chase to open a fraud investigation immediately. After a couple of months, I received a telephone call from Chase informing me that after completing their investigation, they determined that I was not responsible for this account. Moreover, they informed me that they would notify the credit reporting agencies to update my credit profile to reflect the account deletion. Furthermore, they also promised to send me a letter explaining the result of their investigation. I felt a big since of relief. After receiving the letter from Chase Bank, I took it to XXXX XXXX to show that I was a victim of identity theft. I never filed a police report because the bank was investigating it on my behalf. A representative at XXXX XXXX called the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX , California who requested the funds. Chase Bank sold their old debt to this collection agency. The representative from this collection agency was cantankerous with the bank representative and me. The XXXX XXXX bank representative sent for her supervisor to seek advice on how to talk with this collection agency. The supervisor at XXXX XXXX instructed her to inform us that they would open an internal investigation on the matter. When we went back to XXXX XXXX a couple weeks later, we were informed that it was nothing they could do because these funds ( {$5200.00 } ) had already been given to the collection agency. I called the levy ing officer ( Sheriff 's D epartment ) a t ( XXXX ) XXXX to explain the matter. The representative was surprised to hear this news and instructed me to go to the co urt ( XXXX ) to share this information with the Judge. We went to the court and was informed that we had to file certain forms to appear before the judge. We visited legal services in XXXX , California to assist us. They referred us back to the court. It has been six m onths since they took the funds out of my daughter 's account. They were literally taken on her birthdat e ( XXXX XXXX ). I am very frustrated with Chase Bank and XXXX XXXX Bank for not having a system in place to rectify this problem or to guide their customers in these matters. My daughter was savings her funds to purchase a much needed car for transportation between schoo l ( n ew transfer to XXXX University ) a nd XXXX for XXXX XXXX training. This problem has decrease our quality of life. My wife and I are having to take turns from our schedules to pick our daughter up for various activities. I am sorry for bending your ears. However, we are under a lot of XXXX and our XXXX levels are sky high. Please help us enhance our quality of life by getting our funds back | ||||||
| 06/06/2016 | Yes |
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| On XXXX XXXX, XXXX, I went to the Chase Bank on XXXX XXXX XXXX, in XXXX, NY, and made an ATM deposit of {$1600.00} into my Chase savings account. The ATM took the money but was slow to finish and confirm my deposit. It gave me a receipt, and on the receipt, instead of my account balance and deposit amount, it said the ATM was n't functioning properly and requested for me to call the XXXX number on the bottom to confirm my deposit. I called the number immediately. I spoke to a representative, told her the issue - that I just made an ATM deposit into my savings account and calling to confirm it ; she asked for my receipt number, ATM number, branch number and address. I provided everything that was on the receipt. She said she does n't see a deposit but will credit me the same amount and open an investigation. I was credited the {$1600.00}. I called the same number on XXXX XXXX to find the status of the investigation. I was told the investigation is still pending but the credit was for me to keep. But in XXXX, I saw that my account was negative.The bank debited the same amount that it credited, the amount I deposited but which was never deposited. The reason the bank offered was that in its investigation it did not find the money I deposited. I called Chase, spoke to someone, and the representative told me there 's nothing the bank could do without a receipt. I told her that I did n't have my receipt, lost it during my wedding week, but that I had it and even called the bank immediately following the deposit and provided information that was on the receipt. Again, the representative told me nothing ca n't be done without a physical receipt. But she suggested that I try to get a video footage that shows I made a deposit. I went to the police precinct to get a warrant for a footage. The sergeant told me I need a receipt or a physical that I made the deposit before I could get a footage. I did n't know what to do. I made the deposit, I had proof of it - the receipt, the phone conversation - but now I was charged with {$1600.00}. I did n't have the money to pay Chase and did n't know what else to do. I went to the same branch where I made the ATM deposit, tried to get the bank to re-check the ATM, but no luck. I was able to get a second investigation ( again by Chase bank, not a neutral third party ) and again there was no proof of my deposit. I did n't know what else to do. My savings account, which was negative, was closed and now I " owed '' Chase bank more than {$1500.00}. I did n't have the money and could n't pay the amount. Even if I had the money, I wo n't pay because I owed nothing. I made a deposit, was even issued a receipt indicating I made a deposit, and spoke to a Chase rep providing details on my receipt. I was n't going to be in debt on no fault of mine. In XXXX of this year, my husband and I opened a joint Chase account. On XXXX XXXX, XXXX, Chase more than {$1500.00} from our account to recover the amount I supposedly " owed '' from my closed savings account. We were so shocked because that was our rent money and money for my newborn ( I gave birth on XXXX XXXX. ) I called Chase, spoke to someone and told them I did n't give them permission to take money from my new account to recover an old " debt. '' I was told by a supervisor that I basically allowed them to do so when I opened a new account ; it was in the fine prints, and when I signed to open my new account, I basically allowed them the authority to do so. The amount was put back in my account but only if I agree to make monthly XXXX equal payments covering the full balance. Desperate and with no other options, I agreed. On XXXX XXXX, Chase took everything I had in my account : {$57.00}. And on XXXX XXXX, it took a {$100.00}. I do n't have the money to pay the bank for something I never owed. I have no income coming in. I have n't worked in 3 months. I 'm still on maternity leave. I need help. | ||||||
| 10/06/2015 | Yes |
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Web | Older American |
| This complaint is filed in addition to CFPB # XXXX and XXXX because Chase uses multiple account numbers. This complaint is in regard to a Home Equity Line of Credit ( " HELOC '' ) and is supported by a sworn affidavit based on firsthand personal knowledge. Affiant has written several inquiries in the form of Qualified Written Requests ( " QWRs ) to Chase ( JPMCB ) in an effort to ascertain information about the subject HELOC without success ( Attachment A ). Letters sent to Chase asking pertinent details were not answered in full as required by RESPA 12 USC 2605 -e. The public record and copies of certain documents received from Chase ( JPMCB ) in response to requests reveal that fraudulent activity has taken place throughout the transaction, from the beginning, and that fraudulent activity continues to the present day. In violation of RESPA, Chase failed to respond to QWR inquiries into the relevance and significance of XXXX different account numbers associated with the Home Equity Line of Credit ; Chase failed to respond to QWR inquiries into 'Accounting and servicing systems ' stating, " This information is proprietary and will not be provided. " ; Chase failed to fully respond to QWR inquiries into 'Debits and credits ' stating, " Some of this information is either proprietary or unavailable, and will not be provided. " ; Chase failed to fully respond to QWR 'Servicing-related questions ', stating, in part, " Any assignment of the Security Instrument, previous sellers, purchasers, assignors, and assignees would be a matter of public record. Please review public record for this information. " ; and, " Some of the information requested under this section is either proprietary or unavailable, and will not be provided. " ; Chase failed to respond simple " yes '' or " no '' questions in QWR dated XX/XX/XXXX. There is evidence that the original Loan Application contained figures falsified by Chase - not by the Applicants - representing amounts which greatly overstated Applicant ( s ) true monthly income under each of the XXXX the sections captioned " Gross Income '' for the Applicant ( s ). We allege that the original application was altered by parties employed or authorized by Chase without Applicants ' knowledge or permission in order to monetize and/or securitize the line of credit. It is our position that the alterations were made with the intent of increasing the value of the application and/or related documents to Chase for use in subsequent JPMCB deals, transactions, sales, conversions, contracts, and other schemes to benefit JPMCB. In addition, unbeknownst to Applicant ( s ), JPMCB converted or otherwise misused Applicant ( s ) personal information and data on the application, along with the other documents/and credit agreements Applicants were induced to sign, to create other type ( s ) of financial instrument ( s ) and/or securities. Applicants did not sign a Note. It is our position that JPMCB ( Chase ), in fraudulently creating said Note ( s ), engaged in Identity Theft of Affiant 's personal identifying information in violation of the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX ( " the Act '' ), 18 USC 1028, making it a felony to knowingly transfer without lawful authority a means of identification of another person with the intent to commit ... or aid and abet any unlawful activity. Further, Affiant alleges that Chase is pursuing a foreclosure action in the Supreme Court of the State of New York , County of XXXX, which is unwarranted and that Chase has come to the court with unclean hands : The mortgage transaction is void. ( It is legal maxim that fraud vitiates all contracts. ) A valid note does not exist. A default of the subject HELOC has not been proved - due to improper, undisclosed, incomplete and inaccurate accounting. The law firm of XXXX, XXXX XXXX XXXX XXXX has committed fraud upon the court by submitting false documents. | ||||||
| 01/12/2023 | Yes |
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| JP MORGAN DOES NOT SATISFY ANY POINTS OF COMPLAINT. AT PRESENT, JPMORGAN IS IN VIOLATION OF TRUST LAW AS ACCOUNT HAS BEEN SECURED IN A TRUST VIA SECURED PARTY/CREDITOR. IN ADDITION, JP MORGAN IS IN VIOLATION OF MISCONDUCT, FRAUD, FORGERY, DECEPTION, BOND FRAUD, CONVEYING FALSE INFORMATION, COPYRIGHT INFRINGEMENT OF A LIVING PERSON, HJR 192/PUBLIC LAW 73.10, IDENTITY THEFT, RACKTEERING, PUBLIC CORRUPTION CRIMES. ALL DOCUMENTS SUBMITTED VIA JPMORGAN ARE NULL IN VOID AS I AM A LIVING WOMAN WITH SECURITY INTEREST IN THE FRAUDULENT SIGNED CONTRACT. JP MORGAN IS in violation of 18USC471 Whoever falsely makes, forges, counterfeits or alters any note, bond, debenture, coupon, obligation, instrument, or writing in imitation or purporting to be in imitation of, a note, bond, debenture, coupon, obligation, instrument or writing, issued by the Reconstruction Finance Corporation, Federal Deposit Insurance Corporation, National Credit Union Administration, Home Owners Loan Corporation, Farm Credit Administration, Department of Housing and Urban Development, or any land bank, intermediate credit bank, insured credit union, bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States, shall be fined under this title or imprisoned not more than 10 years, or both. Whoever passes, utters, or publishes, or attempts to pass, utter or publish any note, bond, debenture, coupon, obligation, instrument or document knowing the same to have been falsely made, forged, counterfeited or altered, contrary to the provisions of this section, shall be fined under this title or imprisoned not more than 10 years, or both. 18 U.S. Code 495 - Contracts, deeds, and powers of attorney Whoever falsely makes, alters, forges, or counterfeits any deed, power of attorney, order, certificate, receipt, contract, or other writing, for the purpose of obtaining or receiving, or of enabling any other person, either directly or indirectly, to obtain or receive from the United States or any officers or agents thereof, any sum of money ; or Whoever utters or publishes as true any such false, forged, altered, or counterfeited writing, with intent to defraud the United States, knowing the same to be false, altered, forged, or counterfeited ; or Whoever transmits to, or presents at any office or officer of the United States, any such writing in support of, or in relation to, any account or claim, with intent to defraud the United States, knowing the same to be false, altered, forged, or counterfeited Shall be fined under this title or imprisoned not more than ten years, or both. JP MORGAN CONTRACT IS NULL AND VOID AS FOLLOWS : UNDER THE BUYER 'S ACKNOWLEDGEMENT OF CONTRACT RECEIPT ; YOU AGREE TO THE TERMS OF THIS CONTRACT AND ACKNOWLEDGE RECEIPT OF COMPLETED COPY OF IT, YOU CONFIRM THAT BEFORE YOU SIGNED THIS CONTRAC WE GAVE IT TO YOU, AND YOU WERE FREE TO TAKE IT AND REVIEW IT. YOU ACKNOWLEDGE THAT YOU HAVE READ EACH PAGE OF THIS CONTRACT, INCLUDING THE ARBITRATION PROVISION ON PAGE 4 BEFORE SIGNING IT. I, XXXX XXXX XXXX, did NOT sign below the statement and I did not receive a copy of the contract until it was sent to me via JP Morgan . Contract was NOT signed at the dealership due to multiple issues during the COVID pandemic. I did not receive a copy of the contract on night of signing nor did I authorize anyone implied or verbal to forge authorized representative name to this contract. Contract is null in void for fraud and forgery. AT PRESENT, THIS CASE HAS BEEN SUBMITTED TO THE FDIC WITH FORMAL COMPLAINT, IRS AND SECURITIES EXCHANGE FOR THE FOLLOWING VIOLATIONS : TRUTH IN LENDING, FAIR DEBT COLLECTION ACT, CONSUMER PROTECTION ACT, FORGERY, AND IDENTITY THEFT. JP MORGAN HISTORY OF DEFRAUDING THE PUBLIC IS ON RECORD AND WILL BE USED AS ADDITIONAL EVIDENCE IN THIS CASE AS ALL RECORDS ARE IN PUBLIC DOMAIN. | ||||||
| 09/11/2020 | Yes |
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| 1. ) On XXXX I went to bank to deposit a {$100000.00} settlement check into my attorney trust ( I.O.L.A. ) account monitored by New York State. Check was payable to my old business " XXXX XXXX XXXX '' rather than me personally. Before I deposited the check, I asked the teller if it mattered that the payee was not me personally. The teller advised it was no problem. 2. ) On Tuesday, XXXX I received a letter from JPMorgan Chase dated XXXX saying my trust account would be closed no later than XXXX, due to failure failure to provide requested information. Yet, I was never contacted prior to receipt of the letter - no phone call, letter, email or fax sent to me - and certainly no information was requested of me. 3. ) On Wednesday, XXXX I went to JPMorgan Chase and spoke with banker Ms. XXXX XXXX --, to resolve whatever issues existed. She called someone else at Chase while I waited. She then advised that the problem was that the check I deposited on XX/XX/XXXX was not made out to me. She then advised that the matter could be cleared up and gave me several instructions. She told me ( in writing - the note is attached ) that what the bank required was a letter, written on letterhead of the payee, XXXX XXXX XXXX, signed by an officer and stating that I was an " authorizing rep ''. I therefore contacted the founding partner of XXXX XXXX XXXX, who drafted a letter on letterhead, in accordance with instructions, signed it, and overnighted it to me. 4. ) On Friday, XXXX I brought the signed letter on XXXX XXXX XXXX letterhead back to the bank and submitted it to the banker, Ms. XXXX --. She called someone within the bank once again. After waiting for over 30 minutes, I was told that they needed someone more senior than whomever she had called. I was told it would take some time to " verify '' the document I'd brought in and that I might as well go home. 5. ) At XXXX Ms. XXXX -- from JPMorgan Chase called - the bank now required me to provide a phone number for the firm and the founding partner. I gave them his home number, his cell phone number and his work email address -- XXXX. At XXXX the Ms. XXXX -- called and said that they verified that the telephone numbers were correct but had not yet managed to speak with the founding partner, and that the matter would be worked on again on Monday, as it was too late to do anything now ( at XXXX. ) 5. ) I do not understand why my I.O.L.A. attorney trust account is being closed. I deposited the check - I have not distributed the funds to my client, nor tried to make any withdrawals. Per NY law, an attorney must maintain a trust account, as a condition of having a license to practice law. My livelihood is being threatened. 6. ) The bank has a ) untruthfully claimed i failed to provide information - something that was never even asked of me ; b ) keeps " moving the goalpost '' further away, requiring me to do more and more. Each time I comply, they require something new. 7. ) My client was terribly injured. The suit arose from malpractice in XX/XX/XXXX, and resulted in my client becoming a XXXX with serious XXXX XXXX. The payment is on behalf of a bankrupt hospital, and the amount paid in settlement to my client was less than 1/10th what had been agreed upon before it entered into bankruptcy. When I contacted my client concerning the receipt of the check I promised to release funds to him within two weeks. My client now no longer trusts me and thinks I am absconding with funds. 8. ) Obtaining a second check from the bankruptcy trustee will be difficult to impossible now. 9. ) At a bare minimum, I would like to keep my account at least until this can be resolved. 10. ) My complaint is not specifically with MsXXXX XXXX --. She is junior and clearly can not act without instructions from someone offsite. However, the constant putting up of new obstacles I must jump over ( a customer of many, many years ) is maddening and unnecessary. | ||||||
| 11/06/2015 | Yes |
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| In XXXX, XXXX, my wife and I re-financed our condo to a 15 years fixed rate conventional loan. Since our LTV ratio was above the XXXX ratio, we were required to pay PMI.Based on discussions with the lender & our loan agreements was the PMI would be automatically removed when at 78 %, which is in line with the Homeowners Protection Act of XXXX ( " HPA '' ) .The original lender was XXXX XXXX XXXX XXXX XXXX Recently, Chase took over the loan.Our ordeal started on XXXX, when I called Chase to have our PMI removed and refund the already paid PMI because I realized that our LTV was at XXXX, which is below the 78 % automatic termination of PMI in accordance with HPA and my original loan agreements ( note : Based on the amortization schedule, our PMI should have dropped on XXXX/XXXX/XXXX when the LTV ratio dropped to 78 % ) .Listed below is a chronological order of events. ( note : Our property is based in XXXX, USA but we currently live in XXXX ) XXXXXXXXSpoke to Chase rep., inquired about PMI cancelation.Was told that Chase will analyze & call me within 3-4 business days. XXXXXXXXSince I had n't heard from Chase for 10 days, I demanded to speak to a supervisor.A senior specialist starting telling me that the investor for my loan is XXXX, who requires LTV to be XXXX for the automatic cancelation.Off course I was baffled by this & explained to her that this is in violation of the Federal law HPA and my loan agreement which clearly indicates that my PMI will be automatically canceled when the LTV reaches 78 % .I requested her to mail all my loan docs.She was very persistent that the LTV should be XXXX. XXXXXXXXI spoke to another Chase senior specialist.Explained to her the issue again & told her my loan agreement is in line with HPA & PMI should have been terminated on XXXX/XXXX/XXXX when LTV hit 78 % .She was unable to locate the PMI disclosure from my original loan agreement & promised to call back ( Note : I had requested my in-law to scan me the PMI letter that Chase had sent, which was essentially in line with the HPA ( i.e. automatic cancelation at 78 % ) XXXXXXXXCalled the Chase senior specialist ( Since she gave her extension ) but it went straight to her voicemail.I left her a voicemail to call back & explained that Chase PMI letter indicates automatic cancelation at 78 % & to please resolve this matter asap. XXXXXXXXChase senior specialist had called me in the middle of the night.Called the Chase senior specialist but it went straight to her voicemail again.I called her numerous time but all the calls went straight to her voicemail.Left her a voicemail to call back. XXXXXXXXCalled Chase and spoke to another senior specialist.She indicated that the investor is XXXX ) requires an appraisal & mentioned that this is also indicated in the letter that chase send me.I disputed with her & told her that the letter indicates automatic removal of PMI at 78 % & not appraisal.I told her all the Chase reps so far have been giving me fraudulent information & this is in violation of Federal Laws and my original loan greements.She disagrees with me & tells me that 's what the investor ( XXXX ) requires and Chase can not do anything until they receive the appraisal from me. I asked her to send me the letter that indicates the appraisal requirements.She said I should get the letter in 7-10 business days.I told her that this is absurd and is in violation of Federal rules, my loan agreements, etc. & that I 'm going to file a formal complaint & consider taking legal actions against Chase for putting me in this situation. As you can see from the above set of events, Chase is just trying to send me in circles and giving me all these fraudulent information. I 'm pretty certain that this is how they have been treating innocent Americans like myself to try and rip them off. It also seems pretty apparent that Chase does not have proper Compliance program to monitor compliance with the HPA. | ||||||
| 03/25/2017 | Yes |
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| I purchased a XXXX laptop on XX/XX/XXXX on the chase credit card ending in XXXX. On XX/XX/XXXX, I notice a small crack on the side of my laptop screen. At this point, the laptop is out of manufacture warranty, but still within the extended warranty provided by chase as part of the chase freedom card benefit. I contacted chase and was given a list of documentations I needed to provide for the claim. Because the list included a price quote for fixing it, I contacted XXXX, and they ran a remote check on my computer to conclude that there is no software issue ( the laptop is working fine as of now ), and gave me a quote for how much it costs to replace the screen, since the crack is a hardware issue. After submitting all the documents to chase ( claim # XXXX ), I received a letter by email on Fri XX/XX/XXXX stating " So that we may finish processing your claim, please provide us with the following : A copy of a diagnostic from an authorized service center stating what is wrong with the product and whether it is cost effective to repair it. '' I called chase back immediately to ask what do they consider " an authorized service center '', and was told, " You can take it to best buy, and if they charge you for the diagnostic test, we will reimburse you, just save the receipt ''. When I got to my local best buy, they told me they only do diagnostics test on software issues, not hardware issues, since they are not going to buy a touch screen from XXXX to fix my computer. I then called chase back with the information, and was told to go to another company in my area that fix computers, " because it needs to be looked at by a technician ''. I asked them for specific names but they said they do n't know, so I asked best buy and they told me to go to the XXXX across the street. There I had a technician looking at the laptop and gave a similar estimate ( main cost is for ordering the touch screen from XXXX ). I uploaded it to the claim website immediately, and called them to ask if that 's what they need. The representative confirmed that it was what they needed, and said I should just wait for a claim examiner to review it next week. I waited the entire week but never heard anything back. On Tue XX/XX/XXXX, I received a voicemail from a supervisor at the claims department saying they have received the newest upload and it will be processed in the next few days. Since the automatic reply stated that I would receive a response in 5 business days, I called chase back today, on XX/XX/XXXX, to inquire about my claim, since by yesterday it would have been 5 business days, but I have not heard anything back. The person I talked to is XXXX ( ID XXXX ). She said in order to proceed further with the claim, I need to send the laptop to XXXX for further inspection at my own cost, and then they would decide if it 's covered by the benefit. She further claimed that the claim examiner has called me on Fri XX/XX/XXXX and left a voicemail with such instruction. I said I had no record of such a voicemail, or even a missed phone call, from Fri XX/XX/XXXX, and requested that she puts the information in a letter and email to me, so I can have it in writing, because it sounds " fishy '' to me in that 1 ) They first asked me to go to an authorized service center to get a quote independent from XXXX quote ( which I did on XX/XX/XXXX ) ; 2 ) They also told me on XX/XX/XXXX when they sent me to best buy that if they charge me any fees to run the diagnostics, it would be reimbursed to me as long as I save the receipt ; and now they are telling me to send the laptop to XXXX for diagnostics at my own cost. So I wanted it in writing so I can take it to a third party to see if this is right. XXXX then refused to put this communication in writing. I challenged her that all past communications have been in writing, why is it that this important and fishy requirement can not be put in writing? XXXX simply said no. | ||||||
| 03/17/2017 | Yes |
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| I have small business checking/savings accounts with Chase Bank. While I have a complex story with multiple complaints, my immediate complaint is this : Chase Bank sent me a letter on XX/XX/2017 and told me on phone exactly weeks ago when I was in their branch that my accounts were restricted and are being closed. They said we 'd receive a check for our balance ( of over {$25000.00} ) by mail in 10 days. Two weeks later, I just got off the phone with them and they are refusing to tell me when we will receive our money or under what specific reasons they are holding or what law gives them the authority to do that. The whole saga started when I deposited XXXX checks on XX/XX/2017 worth over {$110000.00}. I was skeptical about checks clearing and asked the cashier at Chase branch. She scanned the checks and told me there was no " hold '' and that I should keep checking the " Available Balance '' to know when they have cleared. On XX/XX/2017, the amount of deposited checks showed under " Available Balance ''. Assuming that the checks were cleared, I initiated a few transactions, one of them being a {$75000.00} transfer to an external account. Chase processed the transfer but when I logged in next day to check something else, I found that all of the deposited checks had returned unpaid due to " Not Sufficient Funds ''. The account showed a negative balance. I frantically made calls to Chase to reverse the transfer and was told to call their " Wire Transfer Division ''. After trying several times and spending the long weekend stressed out ( I have never had my business or personal checks bounce, ever ; I have almost perfect XXXX score ), I got hold of someone after trying for an hour. They told me that they could n't reverse the transfer and they had frozen my account. I transferred the money to my another business account with Chase and had my wife go to a branch to manually transfer the money back to the original account. There were too many back and forth transactions in my attempts to resolve the problems but here is a simple version. No one in Chase branches have any authority and they are like human bots who are controlled by a computer algorithm and decisions are conveyed on phone by people who will give only their first name and would transfer me to different division. Also, every time I called - I called over a dozen times - I got a different answer to the same question. Two weeks, I talked to someone on phone and explained that I needed a check of {$10000.00} from my account to open a new account with another bank and resume my business. They told me to go to the branch, which I did. Again, the computer algorithm struck! First they told me I would have to go to a different branch. Reluctantly, I agreed but in a matter of minutes they told me they are closing my accounts and I will get a check for balance in 10 days. I received a letter dated XX/XX/2017 to that effect. After spending 45 minutes on phone with two different persons, no one will tell me when I will get my {$25000.00}, or why they are holding or what gives them the authority. This is a version of Big Brother controlling our lives, except it is not the government but Chase Bank!. It is frightening that Chase refused to accept the blame for the root cause : showing checks cleared when they were not and there was an astounding level of arrogance in how people talked to me. Despite numerous calls and visits to the branch, no one would take ownership of the issue to resolve the problems. They paid a lip service for apologizing to me for inconvenience and then proceeded to tell me they had closed my online access. So I can not download transactions or statements. The branch manager printed last 3 months ' statements and I was unceremoniously told to wait for a correspondence. I have spent my career as a CFO for 20 years, and I have never seen a bank behave so arrogantly. Chase used to be customer-friendly! | ||||||
| 07/30/2023 | Yes |
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Web | Older American |
| I have had this card for many years and used it frequently. I have both balance transfers at XXXX % interest and purchases. I understand that if I have balance transfers and other promotional balances that purchases won't have a grace period and will have interest. The issue is that multiple times Chase applied extra payment amounts beyond the minimum due to my promotional balances due months later rather than current purchases. In doing so they deprived me of the promotional XXXX % interest for the amount of time advertised and charged me interest on purchases that should have been paid off. Chase 's monthly statements make it very difficult to figure out what purchase amounts to pay to avoid interest. ( Their statement about " interest saving balance '' includes EVERYTHING even promo offers, so make NO sense ). My XX/XX/XXXX statement showed that my " Purchases, balance subject to interest '' was {$2600.00}. My XX/XX/XXXX statement showed that I had {$2400.00} in new purchases and had paid {$4400.00}, far more than the {$330.00} minimum payment due. I expected {$4000.00} to be applied to my purchases. Instead, Chase applied approximately {$1000.00} to XXXX % and other no interest promos not due for many months. ( It is impossible to figure out exactly how much because their statements are so unclear. ) Although my next minimum due was only {$330.00}, I paid {$1800.00} on XX/XX/XXXX, again in attempts to pay off purchases. When I received my XX/XX/XXXX statement, it again showed my extra payments going towards promos not due for four or more months instead of towards the {$2900.00} " balance subject to interest. '' I paid {$800.00} on XX/XX/XXXX, {$2100.00} on XXXX, and {$700.00} on XX/XX/XXXX which should have paid off ANY purchases. NOPE, on my XX/XX/XXXX statement CHASE showed payments of {$3600.00}, purchases of {$1200.00}, and " balance subject to interest '' of {$1100.00}, again applying at least {$700.00} of my extra payments to promos not due until XXXX. The XX/XX/XXXX statement shows that my payments of {$1300.00} ( well in excess of the {$260.00} minimum ) were applied to XXXX % promos not due until XXXX, instead of to current purchases. My XX/XX/XXXX statement shows {$3500.00} in payments and purchases of {$1800.00}, and again, applies my excess payments to XXXX % promo balances due in XXXX, rather than current purchases. My XX/XX/XXXX statement shows payments of {$1800.00} and purchases of {$1200.00}, with more than {$700.00} going to XXXX % promos due in XXXX, but still having a " purchase, balance subject to interest of XXXX!. After this abuse I stopped using the card, but no matter what I pay, Chase continues to apply my payments in excess of the minimum to XXXX % promos due far in the future and not to interest bearing charges. Realizing that I had paid my " purchases '' MANY TIMES OVER and no matter what I did, Chase would not let me pay them off, In XXXX I paid only slightly more than the minimum due plus interest charged the previous month. My XX/XX/XXXX statement shows {$260.00} paid, one purchase of {$9.00}, " Purchases, balance subject to interest '' of {$1500.00}! I have called Chase several times about this issue and each time get vague excuses and am told an amount to pay that will pay off my purchases. This week I was told that if I paid {$1500.00} my purchases will be paid off. I have done so but know they will not pay them off and will instead apply it to XXXX % balances due way in the future. In this week 's phone call I requested a detailed statement explaining where all my payments for the last 6 months went. I was told they could only provide one for the last 3 months but would send me that letter. Today I received a letter in my Chase inbox, which says only that I can find details of how payments are applied in my Cardmember agreement! My point is that they are NOT applying payments as per the member agreement and are RIPPING ME OFF! | ||||||
| 02/06/2023 | Yes |
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| On Sunday, XX/XX/XXXX, I went to XXXX XXXX on the XXXX XXXX XXXX, XXXX TX to one of my routine face treatments with my mother, also a customer. When I was at the register, to book my other appointment, I was addressed by the CEO & Founder of the store XXXX XXXX XXXX, who talked about purchasing another cosmetic procedure ( that did not include any product or cream ). This beauty procedure was a Neck lift that would be delivered in 12 sessions starting in XX/XX/XXXX. The cost was for {$3200.00}. I was in front of the register very hesitant of making the purchase with my Chase card on my hand to tip {$20.00} for the session I had just been given. XXXX XXXX XXXX kept on talking about the great benefits of the Neck procedure and took the card from my hand and personally made the payment through the credit card reader for the Neck Lift and XXXX ultrasound treatment at XXXX XXXX, as shown on the receipt attached to this letter. I immediately requested to stop because I didnt want to continue with the transaction. I told her I did not want to move forward with that service. She, said that unfortunately, it had already been processed. I demanded right away for the transaction to be canceled. Not even two minutes passed when requested the cancellation of the payment, but I was told ( and there are witnesses ) that, since it was Sunday at XXXX XXXX, no one in the main office would be able to answer and process the annulation and refund of the transaction, that it would take several business days to refund it Then, she manifested that in order for the transaction to be cancelled I had to sign some documentation for them to make the refund of the transaction. XXXX XXXX said I should not worry because in the receipt it said that transactions would be refunded within 7 days, and since I did it that day, there would be no problem. In good faith, and since I am still their customer for a service I acquired, back in XXXX for {$3500.00} that has been fully paid, I believed what I was told that Sunday. ( After I opened a dispute with Chase Bank, XXXXXXXX XXXX XXXXXXXX has not provided the last six sessions of the previous service ). I requested a copy of the document I had signed for the refund, and XXXX XXXX said it had to stay in the store. I was given a business card with her phone number. She assured me that it would be taken care of. Since it was XXXX XXXX the store had to be closed and I was escorted to the door. On Monday, XX/XX/XXXX, I called the phone number. Left several voice messages and I was not able to contact or communicate with anyone from the merchant. Therefore, I opened the dispute charge on XX/XX/XXXX, as specified in the banks records. Two days after the transaction was made. After several calls, and visits to the store and being told that the manager was not available that she would get back to me, I contacted the merchant again on XX/XX/XXXX via text message, then on XX/XX/XXXX through email. I am attaching the email correspondence, text messages with the merchant and the scanned receipt of the transaction. I am very concerned because the merchant has abused my good faith and took advantage of me when I had my card out in front of the register. Instead of the {$20.00} for the tip, I was charged {$3200.00} for a service I did not verbally agree to. I did not receive a device, cream, or product or service that day. I XXXX a formal letter requesting the refund. The merchant contacted me to deny it all. The merchant will not refund the money. I, again, did not agree to this purchase, I requested the annulation of the transaction that same day. I was told by the CEO of the company, that I would have the transaction cancelled. It has not occurred. The Chase Bank has not resolved the dispute. The merchant sent the bank my previous Driver 's License information along with a document that authorized the purchase, however, I did not agree to purchase anything. | ||||||
| 11/26/2016 | Yes |
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| We are attempting to refinance our current mortgage with Chase bank. We need to refinance by the end of the year as we wo n't be able to afford the payments starting in XXXX ( we were sold an interest-only loan which will now convert to a regular loan that we ca n't afford at the much higher interest rate it is at ). Chase set up the process in such a way that we ended up losing our rate lock due to not getting all of the documents in by the deadline, so they said we 'd have to pay a {$11000.00} fee to relock. They were not responsive to our questions and changed the story multiple times ( specifically as to when the lock agreement began and ended, and why we missed the deadline, and what interest rate the relock would result in ). At XXXX point they offered to pay for half of the fee, but then later only offered to pay XXXX of the fee, and when I asked why the number had dropped, said that the first offer was " subject to discretion '', as was the current XXXX - in other words, their offers were n't binding anyway. During this process interest rates moved upwards ( after the election ). At this point we have escalated to their " Resolution Department '' but were told not to expect to hear anything until the end of next week, which feels like they are just delaying the process even further. XXXX XXXX - started process, including sending all requested information ( employment letter, latest pay stub, XXXX statement, background info on current loan, etc ) XXXX XXXX - received online application package XXXX XXXX - submitted online application package - XXXX said to disregard online application package and fill out paper application instead XXXX XXXX - completed application packet, asked XXXX if we should return in enclosed mailer or FAX as he had instructed verbally XXXX XXXX - Received a second application via XXXX. Asked XXXX why. He said to ignore XXXX, but contents were not identical ( e.g. the first had lock agreement dated the XXXX, the other said we were n't locking - we signed lock agreement version and dated it the XXXX, as instructed verbally ). - Asked about returning documents again. XXXX said to FAX packet back, so we did. XXXX XXXX - XXXX said he uploaded everything and asked for deposit XXXX XXXX - Gave XXXX credit card information for good faith deposit XXXX XXXX - XXXX asked for XXXX & XXXX XXXX, sent ( via email ) same day XXXX XXXX - We asked to verify that interest rate was locked, since we thought rates might go up after election. XXXX said it would cost 1 % to lock but they would cover XXXX of that. He did n't mention that this was due to the lock agreement expiring - just said " the loan needs to be locked at some point before closing ''. XXXX XXXX - Asked if the rates had changed, and whether it matters whether we lock before or after the appraisal came in. This email was n't answered. - XXXX sent email to XXXX saying the file was in with the underwriter and he expected to know more in a couple weeks. He also asked if we wanted to lock in the rate and said we had n't because I had n't responded. XXXX XXXX - XXXX said loan had been locked on XXXX but he did n't receive all of the documents and good faith deposit until the XXXX, so the lock expired, and we would have to pay a relock fee that was typically 1 % but that he would request that they cover half of that. - We replied saying the lock agreement was dated the XXXX and said we had to provide documents by the XXXX, and we did so by the XXXX, and provided the good faith deposit on the XXXX. XXXX XXXX - XXXX replied saying we did not send in paystubs until XXXX XXXX. - We tried to call ( left voicemail ) and sent email, asking them to extend the lock agreement since we thought we had submitted everything on time, XXXX had confirmed that, and we did n't hear that anything was missing until well after ( 6 days ) the agreement expired. ( insufficient space to include rest of details ) | ||||||
| 08/15/2015 | Yes |
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| I have a promotional balance on my credit card with a 0 % interest rate that stemmed from a promotional check written XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$340.00} and on XX/XX/XXXX for {$6.00}. On XX/XX/XXXX I made a payment of {$650.00}, which is well over my purchase amount and minimum payment of {$69.00}. XX/XX/XXXX statement closedXX/XX/XXXX {$4.00} interest chargedAccording to them they charge interest from the day the transaction posts until it is paid off. Also according to them, minimum payments are applied first to the lowest interest balance ( in my case 0 % ) and then any payment amount over the minimum is applied to the highest interest balance ( my purchase balance ). They state payments are posted the day they are received. After my above payment, my opening daily balance subject to interest on XX/XX/XXXX should have been XXXX. I have had issues since. I have made numerous calls, gone to numerous branches, and sent numerous emails. I have requested a list of my daily balances like all my other credit card companies provide. This was their response : '' At this time, we can provide you the formula used to calculate interest and a copy of your billing statements showing the outcome. We do not have specific criteria with numerical data as this is an automated billing process. As required though, in your monthly billing statement, we do specify your balance subject to interest, the corresponding Annual Percentage Rate ( APR ) and the amount of interest charges billed to the account. " XXXX From Chase : '' To calculate your balance subject to the interest rate, we start with any balance carried over from the previousday and add new charges or fees then SUBTRACT NEW PAYMENTSor credits. This gives us the daily balance for one day. " " Next, we add together the daily balances for all days inthe billing period and divide this total by the number ofdays in the period. This gives the balance subject to theinterest rate for the billing period. " Adding together my daily balances = {$8100.00} / 31 days in billing period = {$260.00} ( bal sub to interest rate ) 1. 15.24 ( interest rate ) / XXXX = XXXX. XXXX x XXXX = XXXX. XXXX x {$260.00} = XXXX. XXXX / XXXX = {$3.00} interest for that statement. ( I was charged {$4.00} ) Statement XX/XX/XXXX to XX/XX/XXXX : Daily purchase balance subject to interest rate is XXXXfor all days not listed, since all purchases should havebeen paid off as outlined above. XX/XX/XXXX XXXX ( purchase XXXX + purchase XXXX ) XXXX XXXX XXXX XXXX XXXX ( CASH PAYMENT IN BRANCH {$2400.00} ) XX/XX/XXXX XXXX ( bal subject to interest rate ) XXXX XXXX ( purchase ) XXXX XXXX XXXX XXXX XXXX ( payment posted {$700.00} ) I already paid myminimum payment so this entire payment should have gone tothe purchase balance of {$450.00} on XX/XX/XXXX, the remaindertowards the 0 % balance ) Interest for that statement:XX/XX/XXXX-XX/XX/XXXX daily bal was XXXX x 4 days = XXXXXX/XX/XXXX-XX/XX/XXXX daily bal was XXXX x 4 days = XXXX + XXXX = XXXX / 30 days in billing cycle = {$190.00} bal subject to interest1. 15.24 interest rate / XXXX = XXXX. XXXX x 30 days in billing cycle = XXXX. XXXX x {$190.00} = {$240.00}. {$240.00} / XXXX = {$2.00} interest for that statement. Iwas charged {$10.00}. Statement XX/XX/XXXX to XX/XX/XXXX : The only transaction the whole cycle was a payment on XX/XX/XXXX for {$510.00}. ( I was charged {$19.00} interest for this period in which I had NO PURCHASES meaning XXXX DAILY BALANCE. This is when I was told I was charged interest because of double billing cycles. ) Statement from XX/XX/XXXX to XX/XX/XXXX : I was charged {$12.00} in interest, no purchases for two cycles.XX/XX/XXXX payment of XXXX. Statement from XX/XX/XXXX to XX/XX/XXXX : Charged {$5.00} in interest, no purchases for three cycles now. XX/XX/XXXX payment of XXXXAccording to their stated formula, they have been applying my payments wrong and refusing to fix it. | ||||||
| 04/29/2015 | Yes |
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| This is a complaint regarding ongoing issues and harm done by JPMorgan Chase Bank N.A . ( " Chase '' ) and the unlawful transfer of fraudulent loan to XXXX XXXX XXXX, XXXX. This is also a complaint to protest the designation of past complaints as duplicates or " not disputed '' by the CFPB as well as the non enforcement of laws, settlements or the claimed responsibilities of the CFPB, the OCC and other agencies. Chase is in violation of the National Mortgage Settlement despite the claims of the Monitor, XXXX XXXX, and can not be allowed to continue it 's non compliance and worse yet, to be given a clean slate. Other settlements have also been violated as to the harm done to homeowners, contrary to Chase and government agency claims of relief. My complaints and others must be investigated as well as the compliance and possible manipulation of funds by lenders/servicers such as Chase and their affiliates or purported successors as homeowners remain trapped in predatory and unlawful loans, servicing and foreclosure. The funds as applied by agencies to deny due process and justice to homeowners also must be addressed. Chase can not be given credit for misleading modification offers or forgiveness of unlawful debt. Another new issue has arisen that may validate claims of possible fraud since the first payment in XX/XX/XXXX or shortly before, with misleading letter on payoff. The predatory 11 % rate was not changed, as I had difficulties due to effect of the crisis Chase helped create, after 3 payments were made for nearly {$20000.00} and I was told I was a good candidate to have loan changed due to high rate. I contacted Chase from the first payment in good faith and worked with various loan mod specialists for nearly a year but Chase now claims there were no payment arrangements before the Notice of Default in XX/XX/XXXX. I reviewed my credit reports on XXXX/XXXX/XXXX, which reflect NO LOAN from the XX/XX/XXXX purported closing! Purported Chase loan # XXXX ( XXXX on closing documents ) Is this a way to claim nothing happened the past 7 years! Or is this a complete breakdown of the system of which the National Mortgage Settlement Monitor, XXXX XXXX, claims the favored too big to fail banks are passing, putting an end to the agreement? Furthermore, as before, the complete chain of loans since purchase in XX/XX/XXXX/XX/XX/XXXX is manipulated as to lender names on the XXXX report or completely removed on XXXX. It appears lenders/servicers such as Chase/XXXX can manipulate our credit reports as they please even after being associated with XXXX XXXX, drug cartels and terrorists. The XXXX report reflects the following : purported XX/XX/XXXX loan # XXXX, Account Status : Closed - PAID and closed, CONTRADICTS CLAIMS BY CHASE PERSONNEL AND CHASE LEGAL THAT ACCOUNT DID NOT HAVE TO BE PAID as I understood and closing documents state. I have been misled since the purported closing of loan in XX/XX/XXXX and possibly since Chase Home Finance took over the predatory XX/XX/XXXX loan I was trapped in with WaMu credit report " error ''. This is 10 years of fraud and abuse! AGAIN, the paid note for the XX/XX/XXXX WaMu loan is in MY POSSESSION and Chase did not return the purportedly paid XX/XX/XXXX loan note since closing in XX/XX/XXXX which it first claimed to pay and has reported to credit bureaus but claims they did not pay due to transfer although they produced possibly fraudulent copy 6 years later. This is NOT a produce the note or " lost '' note case! Does anyone at the CFPB or any government agency understand this? If not how can our financial security as a country be assured? The XX/XX/XXXX and XX/XX/XXXX purported mortgage loan accounts reflect last reported date of XX/XX/XXXX whereas the XX/XX/XXXX loan has a XX/XX/XXXX reported date that make no sense unless there is a broken chain of title and/or false claims. The date can only apply to manufactured default.rest att 'd | ||||||
| 08/16/2021 | Yes |
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Web | Servicemember |
| I booked flight and rental car reservation thorough Chase credit card and their Travel service for my trip to South Carolina for days XXXX to XXXX. The Rental car service company was XXXX. Due to Covid, I changed my flight schedule to XXXX instead ( 2 days less than original plan ). There was a " 24 hour cancellation policy '' in Chase Travel services for the car rental. Since my trip scheduled was changed to end on XXXX, I did not need those extra 2days for the car rental. Originally the car was rented for 5 days ( XXXX XXXX ) but because of this change, I did not need car for XXXX and XXXX. So, on XXXX, my husband ( I booked the car under his name, since he was the driver, not me ) called XXXX to cancel or if possible, re-schedule the rent date. This was a way before the travel date and the 24 hour cancellation policy. We talked to the XXXX Customer service line agent, named XXXX, his employee ID was XXXX. He clearly told my husband and me that there was no need to cancel, since if we drop the car earlier on XXXX they would pro-rate it and so that we would not pay the full price, which was XXXX dollars for 5 days rental. In other words, he clearly stated that if we drop the car on XXXX, they would pro-rate it and would not charge the full reservation price. My husband asked him for confirmation for this information, and XXXX provided his name and employee ID number for evidence. So, we just decided to keep it. We also called XXXX again for the final check on XXXX before we took out for our flight. At that time, my husband spoke with XXXX. XXXX confirms the information again, " Yes, they would pro-rate it if we drop the car earlier date which was on XXXX ''. So we just went through. The issue was occurred when we tried to get the car at South Carolina Airport XXXX location. We talked to XXXX. Per him, even though we drop the car on XXXX, the price will be the same, which was XXXX dollars. He said that he could not pro-rate it at all!. We explained everything, that we tried to cancel or change it on XXXX but their customer service agent gave us the wrong information, saying that it would be pro-rated! We could have cancelled it on XXXX but since they provided us wrong and false information, we kept the reservation, now they are saying they can't? So, we cancelled the reservation completely ( because we did not want to pay for those 2 days that we won't use the car at all. We could not pay for anything that we would not use at all. Because that was not fair ) and rented a new car at that location, paid about XXXX dollars. And I called and disputed this XXXX transaction thorough Chase Travel Service. They have their policy that they would protect the customer so that we would not be charged falsely, unfairly, and not charged for services that we did not even use. This was a false charge! and very very unfair. I explained what has happened in a very detail, but on XXXX, Chase said that there was nothing wrong with this transaction and they should bill for it. I really do not think that Chase Dispute Department contacted XXXX and explained what has happened to their clients to protect their clients. They did nothing to protect me and my right. This is a clear violation of their protection policy. I want to solve this issue. I do not want to pay for XXXX dollars because, first, I got false information from XXXX, which made me keep the reservation even though I was about to cancel on time, second, I canceled the service and I did not even touch the car at all! How come I should pay for {$560.00} for the car that I've never used at all! This is all nonsense but Chase did not try to solve this issue and protect their clients as they advertised on their terms and conditions. Please remember this car reservation was made through Chase Travel department and they could not help me to solve this issue, either. Please make things fair. I want to fight against this unfairness. | ||||||
| 01/23/2016 | Yes |
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| Chase is about to committing a robbery at this moment. Chase sent us the statement ( XXXX/XXXX/XXXX ) saying that we must pay {$19000.00} in the coming month and we owe them {$16000.00} in escrow. We do n't owe these debts. Chase manufactured these debts by an accounting trick ( see below ), and on the false debts Chase is going to foreclose us and steal our home in which we have ~ {$300000.00} in equity. ( 1 ) Chase says that we are in default since XXXX/XXXX/XXXX. We are not. ( 2 ) Chase is manipulating accounting. They used our un-applied fund of {$2300.00} to curtail the principal in XXXX, XXXX, instead of applying it to a regular mortgage payment. ( 3 ) Chase sent back our check of {$2000.00} ( XXXX mortgage payment ). ( 4 ) They are refusing to accept our bank check of {$4000.00} ( XXXX & XXXX mortgage payments ). Chase Home Finance LLC is a thief. Can you stop them? ( 5 ) Our NOTE and DEED OF TRUST state that : ( i ) all payments received by Lender shall be applied in the following order of priority : ( a ) interest ; ( b ) principal ; ( c ) escrow ( see DEED Section XXXX ) ; and ( XXXX ) Borrower shall pay escrow according to RESPA within 12 months, either monthly or lump sum ( DEED Section XXXX ). ( 6 ) If Chase respects the NOTE & DEED OF TRUST, as Book XXXX shows, our mortgage payments have been always current ; and we owe no late fee. We owe {$8300.00} in escrow ( for XXXX - XXXX taxes ) which we intend to pay within a couple of months. ( 7 ) Instead, Chase ignored the NOTE & DEED OF TRUST and manufactured the above debts ( see Book XXXX ). Chase has been bilking homeowners out of their money for many years. They harass and threaten homeowners. They make hundreds of phone calls ( nearly XXXX times in our case ) ; and send letters of default ( & gt ; XXXX times in our case ) ; mortgage modification application forms ( & gt ; XXXX times in our case ), and intent of foreclosure notices ( 6 times in our case ). Please investigate how much money Chase stole from homeowners using escrow and how many homeowners Chase destroyed over the years. Chase Home Finance LLC is run by criminals and a failure as a home mortgage lender. OCC/CFPB should shut them down. OCC/CFPB knows well what Chase has been doing. The followings are only a few examples. ( 8 ) JP Morgan {$300.00} XXXX Settlement Over Forced-Placed Insurance. Chase engaged over 6 years between XXXX XXXX, XXXX and XXXX XXXX, XXXX in kickback operations, involving nearly a XXXX homeowners, over forced-placed home insurance policies, issued by dubious insurance companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Chase deducted expensive premium ( more than ten times the standard premiums ) from homeowner 's escrow accounts or added to their mortgage loan balances. ( 9 ) JP Morgan Chase Mortgage Fraud. A federal judge ruled that JP Morgan Chase must face a class action lawsuit that claims it defrauded New Jersey residents who applied for the Home Affordable Mortgage Program ( HAMP ), a federal program designed to help homeowners in danger of defaulting on their homes. Chase opted into HAMP through XXXX shortly after the plan was implemented in XXXX. The plan is designed to lower homeowner 's monthly mortgage payments to sustainable levels, but New Jersey homeowners say they never got the benefits of the program. Instead, they say, Chase took federal money designed to bail out homeowners and systematically rejected HAMP applicants, based on false claims that homeowners did not provide the appropriate documents. Another case is pending in XXXX California. ( 10 ) JP Morgan Chase has been fined {$48.00} XXXX for failing to meet terms of a settlement to resolve mortgage servicing violations, XXXX regulators said. The fine will be top of an additional {$2.00} XXXX that JP Morgan had been ordered to pay to cover remediation costs and foreclosure assistance to borrowers. | ||||||
| 05/14/2022 | Yes |
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| On XX/XX/XXXX I submitted a payment of {$150.00} over the phone to Chase Home Finance in order to start the process of PMI removal based on home-value appreciation and the fact that I had purchased ( not leased ) a rooftop solar system valued at over {$19000.00}. When I spoke with the customer-service representative for Chase as I made this payment, she indicated that I would be contacted within approximately two weeks in order to schedule a broker-price opinion ( " BPO '' ) so that Chase could confirm the value of the house and the presence of the new solar panels, which were contracted in XX/XX/XXXX and completed installation in XX/XX/XXXX. I did not record my phone call from XX/XX/XXXX with Chase, but the CSR made it sound as if this next step would occur without me having to do anything - I might receive something in the mail but I would not have to watch closely or worry about anything. I did receive a form from Chase in the mail sometime later in XXXX or XXXX, asking for details on improvements to the house. Based on my initial conversation with the CSR, I did not return it. I believe that I made two follow-up calls to Chase - XXXXne in late XXXX and one in the first quarter of XXXX - in order to ask about the status of my request. Each time, I was advised that my request had been sent to the " escalations team '', and I never heard back. Finally, in late XX/XX/XXXX I decided to dig up the form I had received 3-4 months prior and submit it. I started corresponding with Chase via their online portal and receiving replies, although the replies were mostly unilluminating and unsatisfying. Once I had submitted the description-of-improvement form, I was told that I needed to submit proof that I had purchased the panels. I submitted a purchase contract for the panels dated XX/XX/XXXX and a credit-union statement from XX/XX/XXXX ( for the exact same amount as the purchase contract ), and was advised that this was inadequate - that I had not shown the panels were bought versus leased. I then went back to the solar-panel company, and fortunately they were able to provide me with a one-line document that said " Paid in Full '', which Chase indicated that it would accept. After Chase agreed to accept this proof of purchase, they then said that they could not proceed because they had already refunded my initial payment of {$150.00} for the BPO in late XX/XX/XXXX. I asked which account they had refunded it to, and Chase replied that they had sent a check to my home address. I advised Chase that I had not received a check, and they agreed that whatever they might had sent had not been cashed or deposited. I told Chase that I had cleaned house and opened all my old paper mail in late XXXX, so I was pretty sure that I was not in possession of the check, but that if I did find the check I would either destroy it or mail it back - whatever they preferred. At this point, I feel like I'm being given the runaround, and that Chase does not want to fulfill its side in evaluating my primary residence for removal of PMI. I understand that mortgages can be complicated and that there are some fraud-committing " bad actors '' out there. I feel like my actions have been aboveboard, and that Chase is trying to avoid losing a revenue stream. I am deeply frustrated, because ( 1 ) I feel that I am being treated poorly ; ( 2 ) I doubt that there's any way to recoup the PMI payments for the months that Chase has been giving me the runaround ; ( 3 ) I suspect that there are a not-insubstantial number of people out there who will be treated similarly by Chase and who will give up or be unable to find recourse. The only good things that I have to say about Chase during this saga is that their online correspondence has been polite and they haven't tried to edit or delete any of the messages in the online portal ( so they haven't tampered with the evidence/history regarding my issue ). | ||||||
| 09/08/2019 | Yes |
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| On the early morning of XX/XX/XXXX. I was XXXX in a night club ( XXXX XXXX ). I do not have any recollection leaving the club or even getting home. I woke up to find my : XXXX, Chase, and XXXX card 's were missing, as well as my cellphone. I log into my Chase account to find that the perpetrators had stolen {$3400.00}. They started their shopping spree by withdrawing {$550.00} from a XXXX XXXX atm, not too far from the nightclub. Then they moved onto 3 different XXXX XXXX supermarkets, getting maximum cash-back ( {$200.00} ) from each transaction. All this spending is very out of context with my normal spending habits. These transactions were very rapid and scream fraud. Purchases were made at XXXX also. This was all done in the time frame of XXXX-XXXX. I immediately phoned Chase at XXXX and my other banks to report the fraud and cancel the cards. I was shocked to also witness my other banks ( XXXX XXXX and XXXX ), had stopped multiple transactions from going through, while with Chase, the criminals just continued to spend and spend. All 3 of my cards have the same PIN. Calling Chase, the guy on the phone said don't worry we got you covered and will refund the money within 12 hours. This instilled a false sense of confidence within me. The following day I filed a police report with the XXXX Police Dept for lost property. A week later I call chase to check the status of the investigation ( XX/XX/XXXX ). They say the claim has been denied since the perpetrator managed to use my PIN. Even with a police report, they didn't want to hear my story. They said an external investigation will be needed. I called back the following Tuesday, to have them explain their decision. They said the perpetrator perfectly used my PIN. They agreed to re-open the investigation. The lady on the phone told me I could get timestamps for the transactions only through statements. Lo and behold even going into the branch, and asking for statements, timestamps are not provided. I called later that week and finally got the timestamps for the transactions. A lot of inconsistencies and false information made this situation even worse. As this reinvestigation was ongoing, I called the police to tell them of this additional information I have ( Statements with timestamps ). The cop told me I need to file a finanicial crimes report separate from the initial lost property report. So I filed that and then waited a few days to contact a detective. They told me that Chase would need to reach out to them in order to open an investigation ( check for footage of stores where transactions were made ), he said theres nothing we can do to help you with, without Chase 's intervention. He also mentioned that Chase is one of the worst to deal with when it comes to fraud and thats why he never does banking with them. I called Chase and added this new police report to the claim. To make matters worse, Chase abruptly closed my account for suspicious activity ( the fraud ). This put me in a further predicament as I had just received a direct deposit from work ( XX/XX/XXXX ), but it didn't go through and they said I needed to contact my employer and have them reroute the deposit to another account since this account is being closed. But then a few days later the deposit, appeared in the account! I call back and they say the accounts frozen. So now my money is stuck in the account and I have to wait for them to send me a cheque in 10 days! I can't even write myself a cheque so I can deposit it at my other bank. Not only am I broke from the fraud but they also withhold my money, how am I supposed to pay for my expenses now. I just find it remarkable that my other Financial institutions had fail-safes in place while Chase did not. I had some unauthorized transactions on my XXXX card and XXXX XXXX. These banks helped me out and refunded the unauthorized transactions or else I would be in even more of a hole. | ||||||
| 03/17/2016 | Yes |
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Web | Older American |
| Subject : Homeowners servicer has held in extended processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from RMA request for mortgage modification. Homeowner filed all required documents required with the RMA application. Homeowner has provided all required documents to the servicer on the request for modification three previous times, only to be denied. Servicer has commenced double tracking while homeowner was acting in good faith, qualified for modification and eligible. According to NPV Report from the Treasury Department ; under the XXXX XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. Servicer is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. This homeowner, feels that her case has been unfairly treated for the following reasons : XXXX. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 2. A Single point of contact was assigned ; calls were made to the point of contact : no calls were never returned. 3. Servicer has held the homeowner in extended process in bad faith. 4. On the most recent RMA application : all requested documents were provided and again on XX/XX/2016. Homeowner has confirmation via fax that documents were received by XXXX. Homeowner has filed an appeal on XX/XX/XXXX. 5. Homeowner has found errors in data used to calculate the NPV Result created by Investor. The errors used would cause a false result in the NPV Results in the following : A ) wrongfully data input for property value. Input used is a 1 year forecast of {$48000.00} ; current value is {$380000.00} as per recent sales in XX/XX/2016, and B ) Imminent default flag wrongful input : was selected " XXXX '' for not being over 2 months late, when NPV Results clicked was 3 months late at time of data collection date of XXXX/XXXX/2016. C ) Homeowner has an excess of income of {$1100.00} after all expenses paid. D ) the INVESTOR HAS INITIATED FORECLOUSURE PROCEEDINGS. THE BASIS OF DENIAL IS BASED ON WRONGFUL DATA INPUT : : these XXXX points are causing a state of confusion XXXX to the homeowner. 6. Homeowner is in a state of fear created by the collection tactics by SERVICER and the Loss Mitigation Department overloading agents with over XXXX cases per agent : statement made on recording by Servicer agent. The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Servicing processing agents with a case work load of XXXX cases as per agents statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. Alleged violations, included, but are not limited to, the following : a ) failing to perform proper loan modification processing ; wrongful data input, causing a negative NPV Results. b ) failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners. c ) Homeowner has applied for RMA loan modification, switch to payment recovery : not what we applied for! Bait and switch. Homeowner is officially filing an appeal on the denied RMA application dated based on wrongful data errors on the NPV Results dated XXXX/XXXX/2016. Homeowner has provided an updated NPV Report as of XXXX/XXXX/2016 using underwriters information input data : with corrected XXXX data inputs. | ||||||
| 02/06/2023 | Yes |
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| Please note that after one month of being a victim of fraud, Chase Bank finally refunded my money that was fraudulently withdrawn from my account. However, I feel it is important to notify the Consumer Financial Protection Bureau of what happened at my local Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is aware of their customers/ATM users being victims of fraud yet have done nothing to alert their customers or ATM machine users. This is negligence. Here is my story. I was a victim of fraud on XX/XX/XXXX while using the Chase ATM machine on XXXX XXXX @ XXXX XXXX and I had a XXXX of a time reclaiming my $ $ $ that was fraudulently withdrawn. I went to the ATM on Friday, XX/XX/XXXX @ XXXX pm. I used the ATM on the right-hand side, inserted my card and it seemed like the transaction was processing. I removed my card, but then received a receipt that said, your transaction can not be completed at this time. My partner was waiting for me on the sidewalk, and there was a man next to him who had his debit card in his hand and who was pretending to be in line. When I turned around and said, this machine is not working, he said if you have a chip, you can use the tap function. I have never used the tap function @ the ATM before, so I tried it and it worked. I thanked him and went on my way. The next morning, I looked at my bank account and there were three transactions immediately after mine totaling {$940.00}. I knew right away that I was scammed by the man who told me to use the tap function. I promptly cancelled my debit card and filed a claim. The following Monday, XX/XX/XXXX, I went into the branch and reported this to the branch manager. She told me that she is well aware of this activity and that it is happening up and down XXXX XXXX. She can identify the three guys who stand out there on a regular basis. They tamper with the card reader ( they put glue in it so the machine can not read your card ) and then tell the user to try the tap function while they are either looking at you enter your PIN or one of their buddies is zooming in with his phone while you enter your pin. If they have your pin, they can continue to withdraw up to $ XXXX ( ATM LIMIT ) without having to re-tap your card which I find to be flawed technology. It is very frustrating that the bank blatantly knows their customers are being scammed and have no notices in their windows or communication to their customers who live in the vicinity of the bank. The bank states that the only way they can pull the video footage is with a police subpoena or if the fraud is over $ XXXX. I spent around 7 -8 hours in total disputing these fraudulent activities. My first claim, I submitted on XX/XX/23 was denied, my second claim submitted on XX/XX/23 was denied. I then filed a police report and the Branch Manager escalated my claim to the Executive Claims department. That third claim was also denied and they stated that they have no history of reported fraud on file of those ATM machines. I immediately went to the branch and told the manager that. She was quite upset as she stated she has reported it to her manager and the security/fraud department several times. She filed a new claim for me ( # 4 ) and that was finally approved in my favor on XX/XX/XXXX and the funds were returned to me as of today, XX/XX/XXXX. The tap function on these machines should be disabled until Chase can improve their technology and/or there should be warning signs in Chases bank windows alerting users to take precaution when using the machines and never, ever use the TAP function. I posted my story on XXXX and six other people direct messaged me saying the same exact thing had happened to them and that Chase refuses to return their money. I hope that any victim of fraud gets their money returned as Chase is well aware of this problem and it is negligence on their part that the ATM machines are still operating. | ||||||
| 09/22/2016 | Yes |
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| My wife 's car was broken into and purse stolen, including XXXX bank cards ( chase and XXXX ), a drivers license and military id with her social security number, several gift cards ( XXXX ) and {$90.00} cash. She called XXXX, an officer arrived and filed a report. I immediately cancelled both bank cards ( chase and XXXX ), and told both banks what was taken, saying that with the social security number ( and dl ), trouble was coming ( that was XXXX ). On the following Sunday ( XXXX ), my wife noticed a {$900.00} deposit and XXXX {$900.00} withdrawals on our chase account the previous day ( XXXX ) and asked me if I had done it. I called chase immediately and reported check fraud. They said they could not file fraud until the check posted ( this was XXXX ). I asked them to freeze our accounts, and they did freeze both the checking and savings account. Evidently, someone presented both id 's at the drive through, and got our account number - and then cashed a check. I called the following day ( Monday, XXXX XXXX ) to file check fraud, and was told the check still had not cleared. I called again that day and then first thing the next morning. Tuesday ( XXXX ), the bank said the check posted and allowed me to file a fraud claim. The bank put {$900.00} back in our account in hold status. That day we signed up for Identify Protection, AND I went and spoke with the branch manager at the bank - I had opened an account with him personally almost one year to the day earlier. I asked him if, with both accounts frozen, if anything else could happen - other than my paycheck going in. He said no. The next day, Thursday ( XXXX ), my phone was dinging with bank alerts. My wife looked at the chase app on her phone and said that both of our accounts were cleared out. XXXX more {$900.00} checks were either written or cashed against our account, and our checking account was cleared and with overdraft protection, our savings account was cleared out as well. I called chase on the way to work and filed another claim. At the end of the conversation, the agent said that they would have to investigate and that it would take up to 30 days to get our money back. I asked to speak to his supervisor, and he escalated it, and said the same thing. I called the branch bank manager and told him what was going on, and asked for a number that I could call. He called me back with the number to the executive office, which I called on my way home and escalated it again. The person I spoke with said they 'd follow up with me in 48 hours. This was Thursday night ... I asked if they worked 24 hours a day and she said no. I said that the 48 hours would take us through the weekend with no money. I followed up the next morning, and there was no update. I said that I would go on XXXX if I did n't hear back by XXXX ... I got busy and called back at XXXX, and spoke with the original person who transferred me to an investigator who just received our claim. I gave her the series of events and she said the investigation would take through the weekend. I told her that my expectation was that I would have some sort of financial relief on that day. I suggested that she contact XXXX XXXX, and that I would not let up until I had some. By that time our savings account had been made whole, and it was frozen. The investigator called back and offered to set up a new account at another branch and get a debit card so we 'd have access to our account. When I asked about compensation for chase having let us down ( they have a fiduciary responsibility to protect our money ), she said that they did no wrong. I flipped out. I did go to the bank and open an account, and when I described the situation to the person there, she agreed that we had been wronged and said, " that 's what are tellers are trained for. '' To date, the money has been returned, and the bank said they followed protocol. I have no answer on comp. | ||||||
| 10/06/2015 | Yes |
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| This complaint is filed in addition to CFPB # XXXX because Chase uses multiple account numbers. This is in regard to a Home Equity Line of Credit ( " HELOC '' ) and is supported by a sworn affidavit based on firsthand personal knowledge. XXXX has written several inquiries in the form of Qualified Written Requests ( " QWRs ) to Chase ( JPMCB ) in an effort to ascertain information about the subject HELOC without success ( Attachment A ). Letters sent to Chase asking pertinent details were not answered in full as required by RESPA 12 USC 2605 -e. Evidence found in the public record and copies of certain documents received from Chase ( JPMCB ) in response to requests reveal that fraudulent activity has taken place throughout the transaction, from the beginning, and that fraudulent activity continues to the present day. In violation of RESPA, Chase failed to respond to QWR inquiries into the relevance and significance of XXXX different account numbers associated with the Home Equity Line of Credit ; Chase failed to respond to QWR inquiries into 'Accounting and servicing systems ' stating, " This information is proprietary and will not be provided. " ; Chase failed to fully respond to QWR inquiries into 'Debits and credits ' stating, " Some of this information is either proprietary or unavailable, and will not be provided. " ; Chase failed to fully respond to QWR 'Servicing-related questions ', stating, in part, " Any assignment of the Security Instrument, previous sellers, purchasers, assignors, and assignees would be a matter of public record. Please review public record for this information. " ; and, " Some of the information requested under this section is either proprietary or unavailable, and will not be provided. " ; Chase failed to respond simple " yes '' or " no '' questions in QWR dated XX/XX/XXXX. There is evidence that the original Loan Application contained figures falsified by Chase - not by the Applicants - representing amounts which greatly overstated Applicant ( s ) true monthly income under each of the XXXX the sections captioned " Gross Income '' for the Applicant ( s ). We allege that the original application was altered by parties employed or authorized by Chase without Applicants ' knowledge or permission in order to monetize and/or securitize the line of credit. It is our position that the alterations were made with the intent of increasing the value of the application and/or related documents to Chase for use in subsequent JPMCB deals, transactions, sales, conversions, contracts, and other schemes to benefit JPMCB. In addition, unbeknownst to Applicant ( s ), JPMCB converted or otherwise misused Applicant ( s ) personal information and data on the application, along with the other documents/and credit agreements Applicants were induced to sign, to create other type ( s ) of financial instrument ( s ) and/or securities. Applicants did not sign a Note. It is our position that JPMCB ( Chase ), in fraudulently creating said Note ( s ), engaged in Identity Theft of XXXX 's personal identifying information in violation of the Identity Theft and Assumption Deterrence Act of XX/XX/XXXX ( " the Act '' ), 18 USC 1028, making it a felony to knowingly transfer without lawful authority a means of identification of another person with the intent to commit ... or aid and abet any unlawful activity. Further, Affiant alleges that Chase is pursuing a foreclosure action in the Supreme Court of the State of New York , County of XXXX, which is unwarranted and that Chase has come to the court with unclean hands : The mortgage transaction is void. ( It is legal maxim that fraud vitiates all contracts. ) A valid note does not exist. A default of the subject HELOC has not been proved - due to improper, undisclosed, incomplete and inaccurate accounting. The law firm of XXXX, XXXX XXXX XXXX XXXX has committed fraud upon the court by submitting false documen | ||||||
| 09/26/2022 | Yes |
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| My daughter 's father ( my ex-husband ) passed away, he had a life insurance policy. His XXXX daughter wrote my daughter a check from the life insurance in the amount of XXXX. My daughter did not have a bank account, so we deposited the check in one of my checking accounts with Chase bank on XX/XX/XXXX. I've been a customer with Chase for 15 or so years. On XX/XX/XXXX my bank account showed a negative balance of {$52000.00}. I went to the Chase bank branch in XXXX XXXX Oh, worked with XXXX. Found out that my account was put in a restriction status eliminating my ability to access my money apart from the life insurance check. My daughter provided two forms of I.D., we were advised that the money transfers from our separate checking account would be returned by the following money. It was not. I called in again, and they advised the account was in restriction again because they needed to verify the check with the maker. I touched base with the person who wrote the check who advised she had not received any calls from Chase. I called in again and spoke with XXXX in Loss Prevention, who provided me with the phone numbers they were attempting to contact the maker. The issue here is the numbers they've been attempting to contact don't belong to the maker. One of them is her mother 's, whom she doesn't live with, the other, she's not aware of to who that number belongs. Called back again and talked to XXXX, I advised that the number they have on file doesn't belong to XXXX, and asked her to do a reverse lookup on the number that I have for the maker, which she was able to confirm that the number is listed for the maker, and spoke with the maker. XXXX un-restricted the account. The following day the account went back into restriction. Spoke with XXXX with loss prevention on XX/XX/XXXX. XXXX confirmed the account was unlocked on Thursday, XX/XX/XXXX, and then restricted again by another group. She also confirmed that Chase has accepted the funds from XXXX ( who the check was written through ). I was escalated to XXXX with Account Supervisor/ Operating Loss Prevention Team Escalations. XXXX confirmed with the backing team, a level above Loss Prevention would need to verify the issuance of the check, which was already previously done on XX/XX/XXXX, because they dont see any notes. The account was unrestricted on XX/XX/XXXX, but a failure to update the account with the appropriate notes on the part of the Chase employee resulted in a second restriction. XXXX confirmed that he is putting notes in the bill with the maker 's correct phone number and contacting the person who released the account. XXXX tried to reach the maker, who was unable to answer because she was at work. XXXX advised me to call back in at XXXX when the maker would be available, and they would try again. This time I was routed to XXXX. XXXX advised they would not call the maker via the reverse lookup number. I asked what our next steps are, and she refused to answer what I need to do next to move this forward. She advised she would not tell me what the next steps were. They have the money but refuse to release it, We've provided all the documentation they've requested and jumped through all of the hoops, and still, they have kept my account restricted, which is negatively impacting my main checking account. I have no idea what to do. I've spent twelve or more hours trying to figure out what we need to do. We don't need the money, it's just that the account restriction means I can't move money to it or from it, so I'm going to start to accrue monthly charges as there isn't enough to cover outside of the XXXX check. I have been told on multiple occasions different expectations, none of which came to fruition. I finally got my personal ACH deposited money, but the consistent inaccuracies serve only to withhold the funds made available by the insurance company that Chase has accepted into their bottom line. | ||||||
| 05/31/2016 | Yes |
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| My name is XXXX XXXX. I was recently a victim of an online scam that took place on XX/XX/2016. A company that goes by the name of XXXX XXXX reached out to me via email and asked me if I wanted to be employed through them for a monthly salary of {$2000.00}. At that time I had no clue what the company stood for except that they gave me a job working from home. They told me that they sold stainless steels to big companies here in US all I was to do is to call their debtors and remind them that their payment is now overdue and they have to pay ASAP. They gave me to telephone numbers of XXXX different clients and asked me to call them to confirm a payment. I got hold of the clients via email and telephone and they would ask me for my physical address that they can send the checks out to. On Monday, XX/XX/2016 I received XXXX checks through a XXXX delivery in an envelope. XXXX check for the amount of {$55000.00} and XXXX check for the amount of {$13000.00}. I was then asked to go and deposit both checks into my personal checking 's account. I went and deposited both checks into my personal Chase checking 's account. The very next day I get a call from an unknown number asking me to withdraw the funds and deposit both funds into XXXX separate accounts into XXXX separate banks. XXXX XXXX being XXXX and XXXX XXXX XXXX being another XXXX. I waited for a day to make sure these checks went through into my account without any issues and that I was n't being scammed. After a day of pending they went right into my account without any problem and the funds were now available to me. As requested by this scamming company ( XXXX XXXX ) I went and withdrew all of the funds that I had originally deposited. I was given orders by the company to withdraw everything in cash and deposit into XXXX separate banks as mentioned above. I went to my Chase bank and did just that. The next day I log into my account and see that my checking 's account has a balance of - {$55000.00}. I call the chase bank first thing in the morning and they told me that the check you had originally deposited had bounced, I tried explaining them what had happened to me and the situation I was introduced to but they did n't seem to care. All they cared for was that my account was in negative balance and that I was fully liable to pay the {$55000.00} that was missing. I am simply frustrated and extremely upset at the situation as I was another victim of this online scam. Later that day Chase took away my credentials to my account and blocked my account with my wife 's account and our savings account. My wife and I had our personal savings into our Chase savings account of {$55000.00}. They are letting these checks go through without double checking them and the scammers are able to successfully scam thousands of people for well over thousands of dollars. I have all the necessary emails from the scamming company and I have all the proper documentation and the receipts from all the deposits and withdrawal that were made. This company has scammed a lot of people before and it 's continuing to do so. With this flawed bank system we currently have it is going to continue to scam hundreds of Americans for their money. I just lost all my personal savings for {$55000.00} and I really would like for your help to help me get my money back. For Chase to take away my wife 's and mine personal savings without giving me any chance and to simply take all my credentials away and not even letting me pay off my rent through my very own hard earned money is very wrong and absurd. Words ca n't describe how I feel right now. Out of all things my wife had no say or do in any of this, why is it that her checking account is still restricted? Where are my/her savings? You ca n't simply take away our personal savings that we have worked so hard for. I have already contacted the authorities and the FBI. They will soon reach the bank to inve | ||||||
| 02/20/2016 | Yes |
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| My case is about a person fraudulently withdrawing money from my XXXX chase checking accounts. The person on multiple occasions went to out of state chase branch location and withdrew monies using a withdrawal slip. The person had the possession of my ssn number and had a fake drivers license issued under my name. I first noticed it on XXXX XXXX XXXX evening on my chase transaction history and immediately called the customer service and notified them. I went to my local chase branch next day to inform them and to file a claim. While the banker was going through my historical transactions, she noticed XXXX additional fradulent transaction on XXXX/XXXX/XXXX on XXXX account and XXXX additional fraudulent transactions on the XXXX account on XXXX and XXXX ( XXXX ). I filed a police report on the same day ( XXXX/XXXX/XXXX ) for identity theft and informed the police of my situation. Once I got the police report back, i submitted my paperwork to local chase branch in XXXX NJ. I called up chase customer care multiple times to find out about the status of my claims. Finally around XXXX XXXX when i called my local banker, she informed me that my case was approved and i should receive the money. Since I did not receive money, i called the customer service again on XXXX and they left a voicemail for chase fraud dept to call me back. I got a call on XXXX from chase saying my whole claim is denied as I failed to report it within 90 days and it was due to my negligience. The lady i spoke to in chase fraud dept was not reach to reconsider my appeal and said i have to go through other means outside of bankand she can not help me. I feel that I may have overlooked the XXXX tranaction on XXXX on XXXX account and the XXXX transactions on other account in end of XXXX/ beginning of XXXX as it was not very obvious. I had also setup alerts on withdrawalsonmy chase account and they had stopped working. I was not even aware of these transactions until my banker pointed them out. I feel that bank is wrongly holding this against me and denying the whole claim. I feel the chase branch in XXXX did not do proper due deligience on multiple occasions and i am totally shocked on how they handle the withdrawals at local branch. Here is the summary of all the different occasions where the chase branch failed to do the due diligence and were negligient which resulted in the person being able to withdraw the monies. 1. Bank failed to validate the signature and drivers license 2. Bank failed to raise an alert when the person walked in to branch almost every day, that too in a different state from where i live. The person never had a debit card every day and still bank failed to raise alert and without much care gave away the money. 3. I am also a employee of chase so the bank already should have known that i am not working in XXXX and withdrawing cash every day from XXXX should have raised an alert. 4. I had setup chase alerts on my accounts when i opened them. They stopped working at some point and i never received any alerts. I was relying on them to notify me in case of any withdrawals but they failed to alert. 5. This last XXXX is a bummer which tells how inefficient and negligient this whole proceess is with chase banking. I closed out my impacted accounts on XXXX/XXXX/XXXX and put my account on fraud alert by visiting the local branch in XXXX. I opened new checking account and savings account. 2 days later, the same person unaware of the whole situation, walked into the same branch from where he was withdrawing monies before. He wrote the same old account number which was now in restricted status and my account was on fraud alert. The teller failed to detect this, striked out the old account number, wrote down the new account number which i opened couple days before and still allowed the person to withdraw the money.I felt that the bank manager could have easily handed him to police. | ||||||
| 11/21/2023 | Yes |
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| On the evening of XX/XX/XXXX, I deposited a check in the amount of {$12000.00} issued to me by the United States Treasury at the XXXX, MA Chase Bank ATM, inside the lobby, into my personal checking account. The check was unendorsed as there was no signature line on the back of the check, thus I did not sign it. By the end of the next business day XXXX, my checking account was frozen by XXXX. I was contacted via text message by the bank on Saturday XXXX that my account would be closed for fraud if I did not contact them immediately. As it was a weekend, this was impossible. On Monday XXXX, I contacted XXXX XXXX and was given no information- only that the check was " on hold '' and therefore there's a waiting period until XX/XX/XXXX at a minimum. For the next several days, I continued to try to get answers from customer service or the fraud dept as to what was happening to my account, why, and what was happening with the check as well because all I was told was that there was a waiting period and nothing could be done until the following week. At this point, I went down to the branch to seek assistance. I presented a letter to XXXX from the IRS indicating the reason I was issued the check, which included an amount ( {$12000.00} ) that was near to the amount on the check, but did not match by a difference of {$87.00} because the check had included additional interest that was owed to me. Over the course of the next week, I was told contradictory information by bank employees about where the check funds were, why my account was frozen, and some explanation about XXXX XXXX back-end systems where XXXX system said the funds were available/settled in my account and another that said they were unavailable/frozen but that the systems couldn't be reconciled and no one could help. No answers were ever reached that week or the following- XXXX XXXX claimed that they contacted the IRS and couldn't verify the check amount. Upon speaking with the IRS, I was told that the IRS would not tell the bank such information. On XX/XX/XXXX, I was informed by XXXX that my account would be closed the following day ( due to " fraud '' ). On XX/XX/XXXX, I went down to the XXXX, MA XXXX and spoke with a Regional XXXX who was able to work with a backend team to release the funds I had previously in my account ( prior to XXXX ) by transferring those to my savings account, in addition to other payroll funds that had been received during this time period. XXXX then manually removed the check funds in the amount of {$12000.00} from my checking account via " Debit DDA - Check Charge '' on XX/XX/XXXX. Where these funds were transferred to? I was never told, but in order to transfer them out, they needed to have been received in the first place ( aka real funds ) and settled at XXXX ( which also happened ). I was contacted the next day by XXXX to say that they were not closing my account after all and I was free to continue to use it. I contacted the IRS multiple times over the next few months in order to open a claim with them to be reissued a check based on the funds that XXXX should've returned to the them. These removed funds were never returned to the IRS. So far, all I've been told to date by the IRS is that the bank has the money because the check did settle at XXXX. XXXX has now held these funds for months without conclusion, nor have they returned the money back to the government for reissue to me. If the check was truly fraudulent, the IRS would've denied the cashing of the check. As they did not do that and the funds are sitting at XXXX as they have been since XX/XX/XXXX ( or earlier ), the check was indeed valid. Lastly, because I don't have a definitive answer from the bank on this, if it wasn't labeled as " fraud '' by XXXX and simply following the process for the deposit of an unendorsed check, the funds would've been returned to the IRS many months ago. This has still not happened. | ||||||
| 06/26/2021 | Yes |
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| XXXX of XXXX I was rejected for a small business loan based on my personal credit, when I received my credit reports from all three company, I saw that on XXXX credit bureau and XXXX credit bureau reports, there were tons of credit inquiries I didnt make in the end of XXXX and all through XXXX, and also two company that I made payment to and made agreement with me to remove neg information on my account was still posted. I also have address and phone numbers that were never mine on my reports. I send in a total of three letters per month to dispute all the inquiries and neg account each month from XXXX of XXXX, I got responds from both XXXX, and XXXX with my reports stating they have been updated, however the information is still the same. I reached out to the credit card company and lenders and nothing was updated. XXXX XXXX and XXXX are the two accounts on my credit showing neg. I made a payment agreement with the collection company through XXXX, and the agreement was I would accept the settlement and they would remove the account. When that was not done, I reached out to their corp office, and I was told that the account was updated showing it was settled, but they wont remove the account, or updated it as a postive, even though I provide the information including the agent I spoke with that agree to do so. On one report it's showing XXXX was charged off, and settled after charge off, and other reports show it was put under my XXXX chapter XXXX bankrupy, which it wasn't. I brought that to the credit report agency but nothing was updated or changed. XXXX I had a short term loan, the same thing with them. I called them and paid the full amount due, and they agree to remove the account from all reports, however it's still showing up and charged off and collection. Both XXXX and XXXX was beind due to major illness and covid, I was in contact with both company and kept them updated during this issue, and as soon as I got the money I took care of the debt. Ive done everything I could but I'm being ignored and nothing is being done and I don't know what else to dso. Address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX was a hotel my company had me stay at for a couple a months for work related stuff, never residence. phone numbers that were never mine, XXXX also XXXX XXXX is showing up on my credit report as a spouse or co-applicant, she is my mother and not on any of my credit cards or applications XXXX inaccuracy in inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX jpmbcard XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inaccuracy in inquiries : XXXX XXXX XX/XX/XXXX Jpmcb card XXXXXX/XX/XXXX XXXX XXXX jpmcb card XXXX XXXX XXXX XXXX XXXX XXXX jpm cb card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Jpm cb card XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also bankruptcy chapter XXXX on my report is showing being reported by the court, I got a letter after requesting the court to provide me in writting what they are reporting, and the court sent me a letter stating I have no case with them, and I was told by them they dont report or confirm any information to any of the credit bureaus. PS I disputed through XXXX regarding the inquiries and both accounts and personal information like address and phone numbers, they they investigate all of it, and my personal information was updated to the correct info, and the other were removed, and they also investigated and removed all the credit inquiries i disputed, XXXX and XXXX are still reporting neg with them as well. | ||||||
| 03/06/2021 | Yes |
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| In the month of XXXX 2020 I received an XXXX XXXX loan credited to my business account. XXXX conducted an application review as well as an approval in the amount of {$20000.00} due to the decreased revenue that the business experienced. The funds were deposited into Chase Bank with no issue. Roughly around XX/XX/XXXX an Investigator that represents Chase 's global security, she conducted an interview because she stated they were looking into the validity of my business. I completed the interview and she requested further documentation to prove the established dates because Chase believes my business was not established according to the dates outlined on XXXX 's website. I presented to her my Operating Agreement that outlines when my business was established, I also provided my secretary of state, EIN number, website details, XXXX, XXXX, as well as contracts from venders doing business with my company, which the contracts clearly stated when they were established. The investigator was not satisfied with information so I was fired because I refused to furnish my bank statement from another financial institution to " prove '' my eligibility. This is not apart of the XXXX requirements for getting a loan. Nor is this apart of any policies of Chase. XXXX sent an email confirming the validation of my loan and Chase still refused to honor that information. The firm then retaliated against me and froze my entire family members accounts, accounts that they depend on to live. My wages, pension, XXXX, children 's tuition account, investment account, as well as both of my business accounts were all frozen with no access to funds. All automatic payments and credits were returned causing more financial hardship during a pandemic. It's bad enough Chase decided to end my employment they decided to " stick it to me '' by freezing my accounts so I couldn't care for my husband ( who's recovering from a 60 day stay in the hospital from COVID and requires oxygen around the clock ). I've tried 7 days in a row to come to some sort of agreement with Chase to release my funds on all my account as well as my family members, they would not. Finally I had to remove my name off my husbands business account so his employees could get paid, and we could continue to operate. Not only did they take away my livelihood at Chase they were trying to do it with our businesses. I've tried to work with XXXX XXXX to get things resolved but Chase refuses to budge. Since I was in such distress worry about if my husband was going to die, I provided them exactly what they asked for ... my bank statement from the other financial institution. This still was not enough, the agent from XXXX XXXX told me they want all my statements in 2019 to prove my income. That is not Chase 's job nor is it apart of XXXX 's disclosures to include Chase as a " Third Party Approver ''. XXXX has continued to say that it is illegal for them to provide information about a loan recipient. Chase has cause so much of a financial burden for my family in 7 days, something I feel was done due to retaliation. This is a know issue within Chase, they are targeting everyone that has the XXXX loan and refusing to distribute the funds unless they prove to Chase they are eligible for the loan, this is not something that is required from XXXX. They freeze funds and state it will take 10 days to release the remainder of your funds but instead, they never release them. If you review half of the accounts that are pending closure you will see the funds still sitting idle in the accounts. XXXX makes you sign a promissory note to pay these funds back, however most EIDL recipients did not receive the funds, and Chase has not sent the funds back to XXXX, how is that legal? Chase has yet to release my remaining funds in my account and It's been 9 days with no food, no gas, and no tuition money. How can this bank get away with doing this to people? | ||||||
| 08/03/2018 | Yes |
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| On XX/XX/2018, after a phone conversation with XXXX, Account manager, from Chase Bank in regards to my account being closed, I was to get a confirmation letter that my account was to be closed but I never received a letter. So, on XX/XX/2018, I had went to Social Security located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX at approximately XXXX XXXX. and was represented by agent named XXXX, and to inquire about my benefit payment to confirm about the closed account confirmed to me with Chase bank for XXXX XXXX, ( see attached for Point of Contacting ). The account with Chase Bank was confirmed that it was closed and that the relationship with Chase was confirmed that it ended and that since it's closed, the check paid to me from the U.S. Treasury will be refunded and that was their final conclusion in regards to this account on the date of XX/XX/2018. However, on XX/XX/2018, U.S. Treasury released the funds to that Chase account and did not receive the refund. That's what was informed to me upon checking on the status. So, I was advised to go to a local Chase Bank and get the refund there. On XXXX XXXX, I went into Chase local branch and spoke with Branch Manager, XXXX XXXX, NMLS ID XXXX, and requested released of funds to me or refund the check to the U.S. Treasury due to the account being confirmed by Chase Bank it was closed since XX/XX/2018, and that they ended their relationship and I've showed her all the correspondence that I've received from Chase Bank that they're closing account have been since XX/XX/2018, Chase Bank confirmed that when an account is soon to be closed, it states that it would take 7 to 10 business days for me to receive a confirmation letter and that matter elapsed since the date of that letter. I've done all I could to have Chase Bank refund the check to me in person and even requested that if they can not release the funds to me then return it back to the U.S Treasury but they insisted that they can not do nothing and that they don't have a certified check to make out as a refund. The whole matter is that when Chase Bank confirm that an account has ended its relationship with a client and they admit that its closed, they are to refund any and all checks to the sender or fully refund that check made to that account. I am due a check amount of {$750.00} from U.S. Treasury and Chase Bank is to refund the total amount of that check as confirmed with the Social Security agent from the XXXX location. Chase Bank is a conniving banking corporation and has no morals and no principles with their practices of unprofessional conductings in regards to a clients complaints and failed to address in a professional conduct. I will need Chase Bank to meet their window periods and refund {$750.00} to me immediately or the proper steps will be taken for litigation. Every day that Chase Bank does not refund the amount stated thereof will result in a further fees charged of {$750.00} for every single correspondence and for the effort of retrieving this Fund of {$750.00} including for any out of pocket expense for this matter of complaint or case. I mean I've done all I could since the month of XX/XX/2018 trying my best to resolve the account with Chase Bank there were no progress made but I was getting the run around and that's why I got the Social Security representative to confirm the account for Chase Bank was closed and that they will have to refund the {$750.00} check. I have all that I need that the account was intended for a closing after being verified over the Telephone banking system ( see attachment ( s ) ). I have requested a Forensic Audit and was declined by the Chase Bank branch manager, XXXX. She left me with no solution instead of kicking me out of the branch. I am further on requesting Chase Bank to release the funds to me by mail as addressed on the confirmed closed account or send my benefit payment for XX/XX/2018, to the sender. | ||||||
| 08/08/2017 | Yes |
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| I have filed several complaints already regarding chase bank, aka in my loan and payment history Chase Home Finance, JPMorgan Chase Bank na,, JP Morgan Specialty Bank, Chase Mortgage, Chase Manhatten. Refer to complaint # s XXXX, XXXX, XXXX, XXXX. My credit reports show 4 different banks loaning me XXXX, 3 on XX/XX/XXXX and another on XX/XX/XXXX. One of which is JP Morgan Chase Bank on XX/XX/XXXX.. XXXX indicates JP Morgan Chase Bank , XXXX, LA, is servicer and investor on XX/XX/XXXX with min # matching my loan number so this indicates that Chase was indeed the lender/servicer. Notarized documents XX/XX/XXXX are from Louisiana as well. The Loan that I signed for that amount and that date was with XXXX who is not listed on the credit report nor XXXX. XX/XX/XXXX loan document liabilities worksheet lists acct type mortgage for XXXX owing to XXXX XXXX XXXX with remaining term of 142 months and acct type revolving loan XXXX. owing to XXXX with remaining term 144 months. Lets see, in XX/XX/XXXX I purchased the property, refinanced in XX/XX/XXXXand XX/XX/XXXX which XXXX shows XXXX XXXX XXXX as servicer on both to whom I never made a single payment to. So as of XX/XX/XXXX I had already been making payments on a mortgage for approx 17 years for a house only lived in for 6 yrs? The revolving acct type was a XX/XX/XXXX HELOC/consumer installment note, for XXXX in which XXXX XXXX was lender, this loan does not show up on the credit report as well, but shows an amount for XXXX which has been paid off. Additionally on liability worksheet apparent delinquent property taxes in the amount of XXXX. Which may also appear on loan documents somewhere as lender title insurance fee. Not addressed in previous complaint marked as resolved is the issue of the " fake loan '' in XX/XX/XXXX. Which shows a liability to Chase Manhatten for XXXX. Payments prior to XX/XX/XXXX where made to XXXX residential lending, from XX/XX/XXXX-XX/XX/XXXX who followed XXXX aka Chase from XX/XX/XXXX. Chase did not reference or explain any of the XX/XX/XXXX refi loan documents that I submitted for the complaint as suggested by CFPB. Foreclosure paperwork initiated by " Chase '' XX/XX/XXXX, foreclosing documents sent to me included the XX/XX/XXXX XXXX Deed Of Trust, recorded XX/XX/XXXX XXXX XXXX Auditor file XXXX. The XX/XX/XXXX loan documents indicate that Public records indicate that I still have a XXXX XXXX lien after the foreclosure/sale of my property occurring on XX/XX/XXXX. Two full reconveyances recorded XX/XX/XXXX have since been removed from my XXXX summary at the XXXX XXXX Auditor without any further assignments and/or changes after XX/XX/XXXX until XX/XX/XXXX. The credit report indicates a wrong initiation date of foreclosure. XXXX represenative informs me I am still making payments to XXXX XXXX XXXX with whom I have a high credit limit of XXXX. I have not made payments on that XXXX/Chase XXXX loan since XX/XX/XXXX. Additionally in XX/XX/XXXX the heloc loan was to be paid off which I suspect never was. The XX/XX/XXXX refi was to be a fixed rate and done to get out of the XX/XX/XXXX ARM loan. I can make heads nor tails from the credit report re the interest rate on the loan. It indicates its an adjustable rate, which I already said it could be considered that with the Home Affordable Loan Modification that is not recorded. The XX/XX/XXXX Deed of Trust also included an adjustable rate note and an adjustable rate rider, only one of those is barcoded, the land description, has mismatched fonts and may not have been even included with the deed, The deed itself has many changes after I signed it. I have received a XXXX, apparently related to the sale on XX/XX/XXXX with amounts listed on it that makes no sense, yet I still have a debt of XXXX out there somewhere. There is evidence of two loans since XX/XX/XXXX. I suspect that the person I purchased the home from is not the real owner of the property. | ||||||
| 12/14/2015 | Yes |
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| In XXXX, I obtained a negative-amortization loan from Wamu and paid my property tax and insurance separately. In XXXX, I had fallen behind on property taxes, and my property value had also decreased approximately 40 % due to the housing market collapse. I filed an Appeal with the County Assessor to reduce my taxes in XXXX XXXX, and while awaiting a hearing date, fell even farther behind. I was finally notified of a tax hearing date set for XXXX XXXX, XXXX. In XXXX XXXX I was notified by Chase that due to my property tax arrears, they were establishing an escrow account for me. However, their calculation took my entire arrears of {$11000.00} and gave me only 12 months in which to pay it back. I had been in communication with Chase already, requesting they let me resolve this with the County Assessor at my upcoming hearing. The XXXX assessor 's office permits a FIVE year payback of property tax arrears, causing my mortgage payment to only increase by an affordable {$200.00} per month. However, Chase ignored my recalculation requests demanding the 12 month payoff, causing my mortgage payment of {$1400.00} to more than double. With the arrears and new escrow calculations, my payment skyrocketed to {$3100.00}. per month. I made several phonecalls to Chase attempting to resolve this and continued to receive late notices on my mortgage, at which time I was forced to look into a loan modification, or lose my house to foreclosure. I paid my XXXX XXXX mortgage payment of {$1400.00}, and hoped to resolve the tax matter during my Appeals hearing in XXXX. Chase personnel had initially told me they were going to research this situation, but never did. They even refused to accept my XXXX mortgage payment, placing those funds instead into a suspense account. The tax hearing was initially to request a reduction in property taxes reflecting the actual reduced property values, after a 40 % decline in our area. My annual tax in XXXX was {$7200.00}, and in XXXX was still grossly overstated. At my hearing I received an additional small assessment reduction, but within XXXX month also received a complete " NEW '' assessment from the county reducing my property value to {$370000.00} from {$570000.00}. The additional problem with Chase 's escrow account calculation is that they were still using the HIGHER outdated annual tax value from XXXX to compute my monthly escrow payment. Once the property value was reassessed to {$370000.00}, my annual tax amount fell to only {$4800.00} annually instead of {$7200.00}. This is a significant reduction which Chase should have recomputed. However, in violation of RESPA, Chase has continued to compute my escrow amount based on XXXX taxes to this day. I have subsequently attempted to obtain a loan modification twice during the past six years. I am still experiencing dual tracking in violation of XXXX, and am attempting to obtain a loan modification, while the monthly bank statements sent to me from Chase include the EXACT same erroneously calculated amount due of {$590.00} per month for my property taxes, still based on XXXX tax values. Despite sending nearly a dozen Certified letters to Chase Executive offices and escalation managers, and XXXX XXXX himself regarding this matter, including the XXXX new XXXX 's, and XXXX escalation managers, NO ONE at Chase will address or fix this error. Most significantly, when I purchased my home I put {$230000.00} down on a {$570000.00} purchase price - approximately 40 %. Until the property tax problem, I had never missed XXXX single mortgage payment. Currently I am awaiting a response to a QWR letter I sent Chase on XXXX XXXX, XXXX. They have sent me XXXX extension request letters since then, and still have received nothing back. Thank you so much for providing this invaluable assistance. I have extensive documentation supporting my statements as well, and can provide this information upon request. | ||||||
| 12/04/2015 | Yes |
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| On XX/XX/XXXX i placed an online order with a company i had did business for many years. When the products arrived they were the wrong and not the products i had ordered befor. Bottle change, name change, barcode changes the wrong sizes and not the correct amounts as i had orded. I contacted the merchent XXXX, and XXXX at the XXXX number and was told it would be corrected. The could send ups tags or XXXX could pick things up. On XX/XX/XXXX i replaced an order and asked who would be the best person to work with to get this taken care of. XXXX told me to contact XXXX. I texed and called XXXX. We wer discussing piec by piec the problems and what she could do with this product exchanging returning and re ordering. In a text dated XX/XX/XXXX XXXX finaly said she could come pick things up. But other products they were working on what to do. Between XX/XX/XXXX and XX/XX/XXXX XXXX picked up some of the disputed products and said we didnt need to return the others. On any XXXX around XXXX XXXX a vp name XXXX called to say XXXX was closing my account that i was to dificult to work with. He said i could reorder from other companys and they would take returns up to the past 60 days. At this point my calls went un answered from XXXX XXXX XXXX XXXX and XXXX. On XXXX/XXXX/2015 i had no choice but to file a dispute because the merchant would not work with me returning and crediting this wrong order. XXXX would not answer my calles to his cell nor buisness. On XX/XX/XXXX-XX/XX/XXXX i was contacted by a XXXX rep who said he had to fill out a report on my dispute for his merchant. He stated he was on a time limit and just wanted to see the products to verify they were there. He said i dont care what you do with them i just need to fole my report. No offer was made to take the products and again i asked for ups return lables to return what products that remained. On XX/XX/XXXX i received a call from chase about my dispute. I was asked to send in any proff i had by fax and we went over what was sent my the merchant. The representative said prestiege said the gave me a partial credit of {$160.00} on my cc and would issue anotherif they had my current account numbet. The chase representative reviewedmy account and determained the merchant had lied and had nor credited my bank account. On XX/XX/XXXX before i had time to fax over the supporting documents i received a letter dated XX/XX/XXXX from chase caying they have finilized the tempory credit. I assumed because of the merchant lie and tge XX/XX/XXXX finalization chase did not need my additional information. I had previosley been told the case would be closed on XX/XX/XXXX. On XX/XX/XXXX i received a letter from chase saying they were revercing the finalized credit. Confused i called spent about two hours on the phone with a chase agent who had me send over an XXXX page fax and opened a new dispute. Later XX/XX/XXXX i received a letter saying chase had reviewed the claim and it was closed. I called back in and spoke with XXXX at chase who informed me the vis time had ran out. XXXX stated no new information had been received from the merchant between XX/XX/XXXX and XX/XX/XXXX when the claim was reversed and closed. I feel chase did a bait and switch on me. While the clock was ticking things were reverced in my favor after the clock things were reverced and it was to late for me to do anything. XXXX chase agents made the comment to me what are we susposed to just hand you over {$2900.00}? XXXX was the agent i spoke with on XX/XX/XXXX and the other was XXXX. The merchant has no evidence the offered to work with me after XX/XX/XXXX. The product was not as i expected or ordered in the past. I have proff i was working with XXXX, XXXX and XXXX to resolve this mistake. Chase did not request any documintation from me until XX/XX/XXXX the final hour of a 3 month claim. Then deceived me by sending a letter saying everything was finialized | ||||||
| 05/27/2021 | Yes |
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| My husband and I have been trying to refinance our mortgage loan with Chase bank since XX/XX/2020. We wanted to take advantage of the great rates and we have refinanced with Chase before. We have almost perfect credit scores, the same jobs for 30 years, our house value is double or more the amount we are refinancing, we have never been late paying our mortgage and we pay more that we need every month. At the end of XX/XX/2020 we were told refinancing was taking a little time but since we already had refinanced with Chase in the past and were using the same person he told us it should be a month or 2. He sent this email to us at the beginning of XX/XX/2020 : " Wishing you both a happy and safe holidays! Looks like we can get you a rate of 2.625 % ( 2.637 % APR ) for a new 30 year fixed. $ XXXX 2.625 % ( 2.637 % APR ) = $ XXXX/month plus $ XXXX $ XXXXmonth total. A savings of $ XXXXmonth plus you are now on a fixed rate. Here is what I need : '' He asked for some more paperwork and we turned it in right away. Then in XXXX he asked for more papers, and XXXX and XXXX and XXXX. We kept following instructions but kept asking why it was taking so long. We were never given a clear answer. We started thinking that they just did not want to give us the refi. Finally in XXXX we got assigned to a person that was supposed to do the last steps like signatures and whatever else. XXXX that did not happen. This person proceeded to ask for more paper work a lot of it was the same we kept providing and some more new ones. By then we could not waste our time anymore and risk not getting the rate we were promised. We wrote XXXX and told him we were not going to continue. He answered back and agreed with us. This is what he wrote : " I am truly sorry you feel this way, but I do not blame you for losing patience. I will try to do the best to explain. The Covid-19 pandemic created new guidelines for qualifying especially for self-employed borrowers. Before the pandemic, Chase reviewed your tax returns, and profit and loss statements and balance sheets. Post pandemic, new guidelines required borrower to provide P & L and bank statements or transaction history up to 10 days prior to closing. These were all reviewed for PPP loans, SBA loans, and income that was consistent with prior years. As a result, when submitting some documentation, upon review, further information was required, and due to capacity I was unable to give you a response in a timely manner as I would have wanted. You are correct, you have never missed a payment, your credit is excellent, and your property is worth twice as much as your loan amount. However, one of the main factors is debt to income ratio. Those ratios were changed due to the pandemic and much more stringent prerequisites were implemented. Both of you have been very cooperative and patient with all of the requests. I hope you do realize I always wanted to assure your loan would qualify. I refinanced your property a few years ago, and because of that previous experience and relationship we established, you trusted me in getting this done for you. I wish this outcome would have gone better, but I respect your decision and will process your refund request right away. I sincerely thank you for your time and patience. Ren. '' So basically Chase was to busy for us and failed to let us know so we could move on. As a result we will have a higher rate and lost the opportunity to save a lot of money. Keep in mind we started this process during pandemia so whatever paperwork they needed they could have asked for at the beginning of the process. They did not do this one right. -Why did it take 6 months to get a Client Care Specialist? -Who is going to be responsible for the money we lost? -We have talked to so many people that got new mortgages, refinancing, loans and they did it in a month or less. -Who drop the ball here? | ||||||
| 09/18/2016 | Yes |
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| I would like and investigation into my Chase bank account number XXXX. XXXX XXXX I realize that there had been a return check in the amount of {$3000.00} submitted to my account, which myself and my husband did not write. After a long research and investigation, myself it was learned through Chase employees that chase Bank decided to issue a {$3000.00} payment to XXXX XXXX which I did not owe. XXXX XXXX, XXXX I spoke to XXXX in Chase claims check forgery to requested that my account be placed in a suspension state until this matter has been resolved to avoid any transactions and additional fees to occur, I was denied. I obtained services from XXXX XXXX in XXXX. Upon XXXX XXXX realizing that I planned to use my insurance coverage to pay for my treatment the original bill of {$3000.00} increased. I refuse to pay the bill and disputed the amount with them. I made a dispute to the Consumer Financial Protection Bureau as well as made a complaint against their attorney to the XXXX. This dispute went on for over a year and XXXX XXXX refused to adjust the bill to reflect the correct amount that was owed. XXXX XXXX created fraudulent documents and forged my signature from a computer-generated app onto paperwork to reflect the price that they claim are owed. I informed XXXX XXXX that I would pay them the amount due but I would not pay them the inflated amount of what they were attempting to charge me which is the additional {$3000.00} over and above what they had already been paid. In an attempt to release XXXX, my insurance company from this dispute because this claim was over a year old and it did not appear that it was going to settle any time soon I had them to release my check in the amount of {$7800.00} which I took to Chase bank and cashed in XXXX of XXXX. This check was made out to myself and XXXX XXXX. I endorsed the check and deposited the check into my Chase Bank account. In XXXX of XXXX XXXX XXXX contacted Chase Bank, my banking Institution, and proceeded as though chase bank was their bank and my account was their account and requested {$3000.00} from the {$7800.00} check which they claim I owed them. It is unclear to me why Chase Bank would violate my privacy rights and disclose any information about my bank account, my deposits, or any of my personal banking information and involve themselves in a private dispute. Chase Bank made an unauthorized transaction from my account to pay someone an amount that is not do and owing, AND FAILED CONTACT ME. As of the date of this letter which is XXXX XXXX I have still not received anything from Chase and writing in reference to their investigation or they 're sending a {$3000.00} payment to XXXX XXXX. Chase performed these actions without contacting me, notifying me or including me in an investigation that went on for over 30 days regarding my personal checking account, Chase Bank determined that from the {$7800.00} check, {$3000.00} was owed to XXXX XXXX. Chase Bank sent chiro XXXX a check from my account in the amount of {$3000.00} which was returned due to insufficient funds. This put my account in the negative status {$2900.00}. I spoke to approximately XXXX different chase employees in an attempt to settle this matter and to get my account credited back so that it would not be in a negative. They refuse to correct the account therefore causing additional items to be returned and nonsufficient funds fees added to my account. Chase Bank has violated banking laws and Bank policy and procedure. Chase Bank has no legal authority to make a determination about an alleged dept that is in dispute. I am very concerned that any third-party can contact my bank, claim that I owe them, present documentation that has not been validated and authenticated to substantiate their claim, then have my bank intervene when my bank is not party to the action. This should have been handled as a civil matter, and not by Chase. | ||||||
| 10/07/2016 | Yes |
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| I received an escrow analysis statement from Chase dated XXXX/XXXX/XXXX showing that my escrow was short by {$24000.00} and that my payment was going to go from {$1500.00} to {$2200.00}. This analysis included a " what should have happened to your escrow account '' scenario as well as a " what actually happened to your escrow account '' section. Each month, of my {$1500.00} mortgage payment, {$770.00} is the portion that is to go to my escrow account. However, according to the " what actually happened to my escrow account '' analysis, this {$770.00} was not posted to my escrow account each month. Instead, some months show {$0.00}, and other months have a negative payment to my escrow account ( and these are not the payments TO my taxes and insurance ). At $ XXXX, in a twelve month period I contributed {$9200.00} to my escrow account, however Chase only shows {$5500.00} worth of payments to my escrow account-where is this missing money? I completed a second loan modification in XXXX, XXXX. The reason I had to complete a second modification was because the during the first modification that was completed in XXXX, Chase forgot to include escrow. When I caught this error in XXXX and brought it to the attention of Chase proactively, I was told that this was the fault of Chase, and that they would resolve the error. In the interim, I continued to make my payments on time per the modification agreement. Since Chase was then saying I owed more each month ( because of the escrow ), but we had n't resolved this with a new modification, Chase began reporting me late and began foreclosure proceedings on my home. I originally filed a complaint regarding this situation with the CFPB ( complaint # XXXX ) along with multiple letters to Chase, state representatives, etc. This went on for years and was finally resolved when Chase agreed to " forgive '' the accrued debt of around {$18000.00} at that time. This was agreed upon during a recorded phone call with XXXX XXXX XXXX at the Chase Executive Office on XXXX XXXX, XXXX at XXXX XXXX. Also during that phone call, per XXXX XXXX XXXX, the escalated underwriter had identified an error on the original modification, new terms and conditions were reviewed, the new P & I amounts were reviewed ( years XXXX at 2 % P & I= {$810.00}, escrow {$750.00}, year XXXX at 3 % P & I= {$840.00}, escrow {$750.00}, year XXXX at 4 % P & I= {$1000.00}, escrow {$750.00}, remaining years at 4.75 % P & I= {$1100.00}, escrow {$750.00} ), my modified principle balance was going to be reduced from {$260000.00} to {$260000.00}, no lump sum was due from me, and a work order was going to be submitted in regards to Chase reporting my payments as " late '' back to XXXX to repair my credit. A new modification agreement was sent to me and I signed and returned it on XXXX/XXXX/XXXX. Included with the new modification agreement was a four-page document that showed that my escrow was short by {$4200.00}, however the escrow analysis statement dated XXXX/XXXX/XXXX shows that my escrow balance was negative {$15000.00} at the time of the second modification. This can not be possible. First and foremost, the debt from the first modification was forgiven in a recorded phone call. Second, Chase ca n't keep making up random numbers a year later that contradict a legal binding document sent to me a year ago. This contradiction of of an underfunded escrow account of {$15000.00} vs. {$4200.00} needs to be fixed by Chase. Now they have once again caused errors to my loan, and have caused my payment to increase ( which I ca n't afford and defeats the purpose of requesting a loan modification ). I was told by XXXX XXXX at the Chase Executive Office on XXXX/XXXX/XXXX at XXXX to fax in whatever " evidence '' I had that supported my position, which I did today, XXXX/XXXX/XXXX. Please help me to stop Chase from continuing to bully me into paying them money that I do n't owe them. | ||||||
| 07/17/2016 | Yes |
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| I have already filed a complaint against XXXX, so this complaint is relevant only to Chase Bank. As I have learned, XXXX ( a subsidiary of XXXX ) collects and processes ACHs through Chase Bank. I do not have nor have I ever had any accounts with XXXX. On XXXX/XXXX/16, I notice an unauthorized debit for {$2000.00} from my XXXX account from " XXXX PYMT '', which overdrew my checking account by about {$500.00}. I go down to a XXXX Branch in New Hampshire and tell an employee about this ( I think the branch manager ), and I am told in no uncertain terms that ACH transactions that are currently pending ca n't be disputed, and that there is absolutely nothing that can be done until it posts, which will occur the next business day. I was instructed to return the next day to file a dispute in writing ( the XXXX ) which I did. A week passed and I still did not see a refund applied to my XXXX account. I soon got a letter from XXXX, claiming that I really did authorize the transaction, and that my attempt to reverse the transaction was denied. Of course, I researched further, since this was plainly false. I received a copy of the discussion between XXXX and Chase bank ( attached ). XXXX opens the discussion by stating to Chase bank that XXXX customer ( me ) was claiming that this transaction for {$2000.00} was unauthorized. XXXX requested that Chase either return the money to them or to fax XXXX their evidence suggesting that I approved of the transaction. JP Morgan Chase replied by providing them with a paper containing numerous identification and trace numbers. What it did not contain was my signature or my voice authorization to debit the account. In fact, the second sentence of Chase 's reply to XXXX was this : " Please notify J.P Morgan if the receiving client is disputing its validity and requesting a return. '' I reported XXXX to the CFPB, which is ongoing. Money was fraudulently debited from my account from XXXX XXXX to pay a car loan that is not in my name. Chase bank processes payments for XXXX, since they are n't an actual real bank. Thus, Chase made an unauthorized withdrawal from my checking account at the request of XXXX XXXX, and then credited that withdrawal to XXXX XXXX, who in turn credited it to whatever customers of theirs paid their car loan with it. I did not authorize Chase ( or anyone else ) to withdraw this money from my account. Chase responded to XXXX notification that the customer whose XXXX account they debited was alleging the transaction was unauthorized not by returning my money to XXXX, but with a " proof of authorization '' that contains transaction numbers and descriptions, but no actual proof ( voice or signature or anything ) suggesting that I approved the transaction. The second sentence of this reply to XXXX request for Chase to reverse the unauthorized transaction actually suggests they are unaware that XXXX customer " is disputing its validity and requesting a return. '' Despite Chase 's inability to provide any evidence that I authorized the withdrawal of {$2000.00} they made from my account, XXXX decided to rule that this transaction was authorized. When Chase bank received this dispute notification, they should have either provided evidence that I did in fact authorize the transaction ( which they ca n't, because I did n't ) or give the money back to XXXX so XXXX can return it to me. Instead, they sent XXXX not the money they should have returned, but the letter I attached describing the transaction, trace number, amount et cetera, and that did not appear to comprehend XXXX original claim that their customer was claiming that the transaction was UNAUTHORIZED. When Chase was notified by XXXX that XXXX customer from whom Chase debited {$2000.00} was claiming that the debit was UNAUTHORIZED, Chase should have returned the money to XXXX immediately based on Chase 's lack of evidence that I made this transaction. | ||||||
| 05/26/2016 | Yes |
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| My wife and signed a contract to purchase our first home ( a condo ) around XXXX XXXX. We decided to go through Chase for our mortgage. We have since encountered numerous problems throughout the closing process, all of which can be attributed to their dysfunctional loan process and poor communication. I 'll start from the beginning when I spoke with the mortgage banker over a month ago. To his credit he gave us fair warning that, because Chase did not have our condo association on file, there would be an additional audit step and it could potentially delay the closing. However, so long as the condo association was cooperative it likely would n't be a problem. I was also given to understand that Chase would be able to handle this on their end. In the interim we completed and submitted all the necessary documents requested of us, leaving ample time for Chase to complete the condo documents, which was over 3 weeks ago. From what I recall, the underwriting team reached out to the association on XXXX XXXX to obtain the necessary documents. On XXXX XXXX they finally got in touch with the association, which in itself was an unnecessary waste of time. It 's unclear that their conversation was at all productive though, as Chase still could not provide us a definitive answer as to what documents we needed to provide. Incredibly, after numerous unanswered phone calls and messages and emails, that answer did not come until last Tuesday, XXXX XXXX. Once given the answer we immediately ordered the documents, while also incurring a completely unnecessary {$35.00} rush fee on top of the document ordering fees. {$35.00} is n't a lot when considering how much we are paying Chase for closing costs, but it could have easily been avoided had we simply been told to order the documents 3 weeks ago when there was still plenty of time. In addition, the loan processor they assigned to us left for vacation on XXXX XXXX with little warning, and will not return until XXXX. Why on earth would Chase assign a loan processor to us that would be out of the office during the most crucial time period for our closing? Still, we were willing to look past this as it seemed we would still be able to close on time. The condo documents were received by Chase on XXXX XXXX, which provided them a whole week to finalize the loan package. We were also informed by the mortgage banker on XXXX XXXX that everything would be sent to underwriting and be ready for us to close. On Wednesday XXXX XXXX ( 2 days before closing ) they still had n't updated us on the status of the loan package, so we called the loan processor 's replacement. She informed us that the loan was still in the audit stage and that there was nothing anyone could do about. This is wholly inexcusable. A client should never have to hear this 2 business days before the closing date. Again, had we been apprised of this sooner, we could have attempted to rearrange times with our closing attorneys as well as the sellers to help smooth things out. Now we are left with rearranging the closing date, relying on the good graces of the seller, and inconveniencing all parties involved. Luckily our current lease does not expire until XXXX, but if it had been sooner we would have no place to live. I then tried to call the loan processor 's manager to seek some kind of remedy, but they were unavailable ( lack of availability is a pervasive issue throughout Chase ). I would have left a message but their inbox was full, which is totally unacceptable for a customer service manager. I then emailed all parties involved ( mortgage banker, processor, and XXXX their managers ) to make our displeasure known in a firm but civil manner. They still have not responded, and each time I try to call they do not answer. There is no accountability - not once has anyone apologized, and now they tell us the closing date will have to be in early XXXX. Inexcusable. | ||||||
| 05/07/2015 | Yes |
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| I received claimant papers which resulted from a class action settlement that took place in the United States XXXX Court for the District of Massachusetts, as a result I am entitled to additional review of mortgage assistance options. CHASE is in CONTEMPT of the Courts directive, by its FAILURE to have sent me a letter within a 30day period After being in receipt of a fully completed application. The Courts directive stated and provided the needed forms to have been filled out. ALL THE requested forms that were required including XXXX, Fiancial docs, XXXX, recent bank acct info, etc., which carry a unique ID were completely and properly filled out and sent XXXX a XXXX, 2014, next day to CHASE, in the provided prepaid envelope. By CHASE own document, the information requested was to be sent by XXXX/XXXX/14, and states " Here is what happens after we receive your applications : if we received a letter fully completed application, we will send you a letter within 30 days, telling you what your available options are for help. '' Instead CHASE sent me a form requesting information to be provided to them from an non borrower in order to qualify me for this settlement. Additionally, they never provided me the letter giving me of my options but decided to sit on the forms that were fully and properly provided according to their own regulations and request and allowed them to expire pass XXXX/XXXX/14. The required forms and request of docs were fully disclosed and timely sent. CHASE own doc also states '' If we do n't receive a fully completed application, we 'll send u a letter within XXXX, telling what we need ... u have at least 30 days after that to send us additional info. '' My application was complete. I called CHASE after they failed to have contacted me within 30 days, I was told by Chase that the info sent XXXX/XXXX/14, expired and needed to update info. I followed their request ( c attached ) Again CHASE never responded, again I contacted them XXXX and was told to update info. I acquiesced. They never responded! Instead Chase continues to be perpetual at their request for the same documents to be sent which continues. Most recently by another letter, trying to cover over their CONTEMPT with a letter dated XXXX XXXX, XXXX. The original process from the settlement which was due XXXX/XXXX/14, has NOT been executed by CHASE. Additionally, they continue to resend me applications for mortgage assistance that does not carry my unique ID.from the settlement. At doing this CHASE is unlawfully demanding me to restart the process all over again. CHASE in its most recent letter to me is also unlawfully retaliating against me, because I have filed a prior complaint against them. This is Discriminatory!! And lawfully can not be tolerated! Their claim in their most recent letter dated XXXX/XXXX/15 to me is that they provided me a letter dated XXXX XXXX, 2014, claiming they needed certain documents from me to review. This is a lie. This is the first I have known of any letter of that date to exist, I i have never even received such a letter. The first letter, I received from CHASE re : this issue is in XXXX XXXX, and it does not mention a request for docs. THIS IS UNFAIR BUSINESS PRACTICES AND MUST BE CORRECTED! I have personally been contacting CHASE over months, and all I had been told is to resend docs, they are outdated. My original application to the settlement provided all the requested documents to CHASE. CHASE unLawfully requested NON BORROWER info., WHICH HAD BEEN PROVIDED TO THEM SEVERAL TIMES. This requested information is not listed on the required list of documents from CHASE in order for my Claim to be reviewed. Re : letter dated XXXX WITHIN THAT ENTITY CAN TYPE A POSTDATED LETTER AT REQUEST. INSTEAD PLEASE PROVIDE The list of documents that Chase requested from me on XXXX XXXX, 2014, in order to had review my mortgage loan for payment assistance. option | ||||||
| 06/22/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/23 Chase Bank Customer service department XXXX XXXX XXXX XXXX XXXX DE XXXX Subject : Pre-Arbitration Notice - Account Closure Without Prior Notice and Violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to express my deep concern regarding the recent closure of my account with Chase Bank without any prior notice. I believe that this action not only violates the guidelines set forth by the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the factual circumstances surrounding my account. Furthermore, it may also be in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/23, I discovered to my surprise that my account with Chase Bank had been closed without any warning or notification from your institution. This action took place within the same month I had made timely payments towards my account balance. As a customer who consistently adheres to payment obligations, it is both disheartening and confusing to be subjected to such a sudden and drastic measure without any explanation. The FDCPA explicitly outlines the responsibilities and obligations of financial institutions, including the requirement to provide consumers with appropriate notice before taking any adverse actions, such as the closure of an account. This notice allows customers the opportunity to rectify any potential issues and maintain a positive banking relationship. The absence of such notice in my case leaves me puzzled and concerned about the treatment I have received. Additionally, I would like to bring to your attention the potential violation of the Fair Credit Reporting Act ( FCRA ). This act establishes guidelines for the accuracy, fairness, and privacy of information reported to credit bureaus. The closure of my account without valid cause or proper notification may result in negative and inaccurate reporting to credit bureaus, which could harm my credit standing. It is imperative that Chase Bank adheres to the provisions of the FCRA and ensures that accurate information is reported. Furthermore, it is crucial to acknowledge the facts surrounding my account prior to its closure. I have been a loyal customer of Chase Bank for several years, maintaining a satisfactory banking relationship. I have diligently made payments towards my account on time, never defaulting or displaying any signs of financial irresponsibility. Given this history, the sudden closure without any prior notice seems unjust and contrary to the principles of fair banking practices. In light of the aforementioned circumstances, I kindly request that you provide me with a detailed explanation for the closure of my account. Additionally, I request that you reinstate my account promptly, allowing me to resume normal banking activities. Moreover, I expect Chase Bank to take immediate steps to rectify any inaccurate reporting to credit bureaus and ensure that my credit standing remains unaffected. Failure to provide a satisfactory response or take appropriate corrective actions XXXX result in further legal recourse to protect my rights under the FDCPA and FCRA. I emphasize the importance of Chase Bank 's compliance with these laws to avoid potential legal consequences. I expect your prompt attention and resolution in this matter. Please consider this letter as a pre-arbitration notice, indicating my intent to escalate this issue further if necessary. I encourage Chase Bank to rectify this situation, restore my account, and address any potential credit reporting discrepancies. I look forward to receiving a timely response from you within 18 days from the date of this letter. You may contact me at the provided email address or phone number to discuss this matter further. Thank you for your immediate attention to this urgent issue. Sincerely, XXXX XXXX | ||||||
| 11/22/2019 | Yes |
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| On XX/XX/XXXX I was notified by my office manager that there appeared to be 3 unauthorized bank transfers against the XXXX XXXX XXXX XXXX XXXX. First occurred on XX/XX/XXXX in the amount of {$15000.00}, second occurred on XX/XX/XXXX for {$25000.00} and the third occurred on XX/XX/XXXX in the amount of {$20000.00}. It is important to note that normally we always receive emails from the Chase when any transfer occurs and in these 3 cases, no such emails were generated for any of these transfers ( Chase mistake # 1 ). Because no emails were generated, these unauthorized transfers were not discovered by my office manager until XX/XX/XXXX. When I found out about these unauthorized transfers I contacted the Chase Fraud department by phone, on the afternoon of XXXX at approximately XXXX XXXX. I requested the checking account be restricted immediately so no more funds could be transferred out of the account. The account was not secured until approximately XXXX XXXX the next morning, because I still had access the account online on Friday morning, which meant the account was still exposed an additional 16 hours ( Chase mistake # 2 ). The following morning XXXX, I went to my local branch, as advised by the Chase Fraud Department, and met with the branch manager, XXXX XXXX, while they contacted the Chase Fraud department to make sure this matter was being handled expeditiously. I spent about an hour with the Chase personnel and was assured that everything was being taken care of. I did not hear from Chase the rest of the day and still had heard anything by Tuesday XXXX XX/XX/XXXX when I called the bank to get a status. I was told the investigation had still not been initiated because the Chase Affidavit has not been returned. I told them that no one at the Bank told me about the Affidavit requirement even when I was sitting with the Bank Manager at the branch on XX/XX/XXXX. I returned to the Bank on Tuesday morning, XX/XX/XXXX and signed the Affidavit and was told it would be immediately sent over to them. The Affidavit was not received by the Fraud Department until Wednesday mid-morning which meant the investigation had been delayed 2 additional days. ( Chase # 3 ). On a subsequent call I was informed that XXXX of the " Executive Office '' would be handling my case. I called again at XXXX XXXX on XX/XX/XXXX to check on the case and was not able to reach XXXX who supposedly was assigned to my account. On XX/XX/XXXX I again called for a status and was told that Chase required a Police Report before they will continue with their investigation. This is 8 days after the first incident and again first time I am hearing about this request ( Chase mistake # 4 ). I had already filed a police report on XXXX and a FOIL request for a copy of the report, but according to the local jurisdiction that report will not be available until XX/XX/XXXX. That means that a month will have passed prior to Chase continuing their investigation. I was not notified in a timely manner by Chase for any of these requirements, I only found about these outstanding requirements because I have been calling in on a daily basis to get an update on the case. It is only when I call in that I am made aware of additional requirements. In addition on the items listed above I also I also found a deposit made to the restricted account. Initially I was told by Chase that once the account is restricted that neither debit or credit transactions would be permitted, yet a deposit was made to the account on XX/XX/XXXX, something that is extremely undesirable because the account has been hacked. I had to revisit the Chase Branch office to address this in person and was told this occurred because the form authorizing deposits of funds to the new checking had not been submitted ( Chase mistake # 5 ). The mistakes and the refusal of Chase to restore these funds is causing my business a severe financial hardship! | ||||||
| 10/28/2023 | Yes |
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| On XX/XX/2023, I applied for a new Chase XXXX XXXX XXXX, asking for a balance transfer of an amount of {$2800.00}. The card came back as approved for {$1200.00}, but gave NO indication that the balance transfer was partially approved. I got confirmation e-mails from Chase stating the card itself was approved, but not the balance transfer. I previously had a defunct account with Chase and when I tried to login and register my new card, it did not work. I called Chase and they said that I would have to wait for my credit card to arrive so I could register my account online. In the meantime, since the card was approved for less than the amount I needed for the balance transfer, I asked if I could set up a balance transfer from another bank. To clarify : I asked for a balance transfer from a XXXX XXXX XXXX card on my initial application for {$2800.00}. Since the card only came back as approved for {$1200.00}, I decided I would use it for a balance transfer from a XXXX XXXX account for roughly that amount. I asked Chase if I could set up a balance transfer while I waited for my card to arrive, but they said that would not be possible and that I would have to wait for the card. That was fine, there was no rush. In the meantime, I paid off my XXXX XXXX card entirely. There was no indication, at the time I did that, that there was a balance transfer pending from Chase. I paid off the XXXX XXXX card that day, XX/XX/2023. The Chase balance transfer shows up on my XXXX XXXX card on XX/XX/2023. On, XX/XX/2023. I sat down and went about activating my newly arrived Chase XXXX XXXX and set up my online account. As soon as I logged into it after getting it set up, I was greeted with a balance. At first, I thought it was fraud. I called their fraud line and told them that there was an erroneous balance transfer for {$1100.00} with a transfer fee of {$34.00}. They checked and told me the last XXXX digits the balance came from and I double checked my XXXX XXXX card. Sure enough, it was sitting at a - {$1100.00}. I was annoyed. There was no e-mail or any indication that the balance transfer itself was approved. I was told that there could be no transfer until I received and activated my card ( in a phone conversation with Chase on XX/XX/XXXX ) and the only confirmation e-mail I received showed that my account had been approved and my card was on its way. I asked Chase to rectify this by refunding the money back to XXXX XXXX. They indicated they could not do this and could not refund the balance transfer fee. I offered a solution in which everyone could win. If Chase waved the balance transfer fee of {$34.00}, then I would send the money back to XXXX XXXX and pay their transfer fee. Then I would transfer money from my XXXX XXXX card to Chase and pay the transfer fee on that balance instead. Chase said that this was not possible. Both the original rep and the 'manager ' said that they tried and that the system said it was an 'approved ' fee and that it could not be refunded. This seems like Chase 's problem, not mine. They did not give any indication that a balance transfer was approved or partly approved. They told me that even if I'd had online access, once the initial card agreements were signed, there would have been no way to halt the balance transfer. What? Seriously? They hid behind the contractual language but that's nonsense. You can't charge someone for something without giving them a clear receipt for the things you're charging for. That's what Chase did. And by the time they did give me a bill, it was too late and now I'm stuck with extra fees and a useless credit card from a company I have no desire to do business with. I offered a perfectly reasonable resolution which Chase insisted it could not accept. Wave the first fee. That's it. That's all I wanted. A small 'mea culpa ' of {$34.00}. Not a lot of money to Chase but it matters to me. | ||||||
| 06/05/2016 | Yes |
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| On XXXX/XXXX/16 someone transferred {$1000.00} from my saving to my checking account. They spent {$970.00} on XXXX @ XXXX XXXX XXXX.I claimed this quantity on the phone. The bank closed my debit card, and refunded this quantity the next day. I also went to the Bank Branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to pick up my new debit card. I talked to XXXX XXXX XXXX and I asked her what else I could do to avoid any other fraud. She checked the account and said that the transfer was made on the phone. She stated that the new card had a chip and it was really safe. It was wrong. XX/XX/XXXX-XX/XX/XXXX : on XXXX XXXX, someone made XXXX withdrawals from XXXX different ATM : {$500.00} at the ATM located at XXXX XXXX XXXX XXXX XXXX XXXX ( I have never been there ), and {$500.00} at the ATM located at XXXX XXXX XXXX XXXX XXXX XXXX . I claimed it on the phone again. They closed my debit card again. I went again to the same bank branch to pick up my new card and to ask them what I can do to avoid these frauds. Same answers as before. However, this representative said that he has checked my " withdrawals pattern '' and it was clear that I never took so much money at a time from an ATM. This second time, the bank did not refund my money easily. Thus I called the Claim and Fraud depts. several times. They finally stated that I should complete and sign a CUSTOMER QUESTIONNAIRE that should be sent back to them by fax. On XXXX/XXXX/16 to speed this new requirement I went to the same bank branch and I asked to talk to the manager. The manager stated that she was helping other customers and she referred me to a bank representative who helped me to complete the form I mentioned above. On XXXX/XXXX/16 the bank gave me a temporary credit. On XXXX/XXXX/16 the bank removed the temporary credit. They determined the transactions were correct. I did not agree with their determination and again, I called the Claim and Fraud depts. several times. I asked them how to dispute their determination. They told me that it was permanent and there was n't any way to dispute it. On XXXX/XXXX/16 I came back to the same bank to talk to the bank manager. Again I met again XXXX XXXX who said the manager was n't there. It was n't the truth since I saw her later on in her office. This time, XXXX XXXX suggested me to report this fraud to the police. I did it. My case report number is XXXX. On that day I visited the bank 3 times : the second time to get a print out of my checking account ( an evidence required by the police officer. ) The third time, to report my case report number to the bank. The bank representative did n't inform me correctly since the very beginning. XXXX/XXXX/16 : I met the real Branch Manager, XXXX XXXX XXXX. I told him that I wanted to close my account and also to dispute the bank determination. I added that I wanted to know the basis or reasons for that determination. He made some phone calls and finally he stated that it was permanent and there was n't any way to dispute it. I refused to accept it. Then, XXXX XXXX added that I should go to the XXXX City Hall and asked them for a claim. I also stated that I wanted to go to the Chase Bank main office in XXXX and/or to talk to XXXX XXXX 's boss. He said the Chase main office was in XXXX and that his boss did n't have a regular office. In XXXX words : nobody can contact XXXX XXXX 's boss. On XXXX/XXXX/16 the XXXX City Hall sent me to the XXXX District Court. They referred me to LEGAL SERVICES OF GREATER XXXX. On XXXX/XXXX/16 I called again to the Fraud dept. and asked to talk to a Supervisor. They said the Supervisor was really busy, but he will call me back in 24 - 48 hours. Nobody called me back. The Office of the Comptroller of the Currency referred me to the CFPB. I had spent time, energy, and money for nothing. I had never given my debit card or my pin # to anybody. I had my debit card with me ALWAYS. Thank you | ||||||
| 11/22/2015 | Yes |
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| I have got a loan from Chase bank to buy a new home. My experience with them was an absolute nightmare. I am totally unhappy about my experience with XXXX XXXX ( Mortgage banker, NMLS ID XXXX ), XXXX XXXX ( Mortgage Banker, NMLS XXXX ), and the whole Chase bank. They are not good in communicating with their clients. They made too many mistakes throughout the approval process. They were not proactive enough in trying to resolve the issues and pushing to close on time. First, it took them so many days to prepare the docs for the underwriter. They were too late that if I had not paid the rush fee for the HOA inspection, we could not have closed at the pre-set date. They were too late, but I am the one who ended up paying for the extra fee! At the very end, exactly one day before closing, I realized I need to pay off my whole car loan ( {$9000.00} ) to be able to received the home loan! I had no idea about this, and no one had never mentioned that to me. The way I figured that out was by going through the closing costs page, which was sent to me that day at about XXXX ( 1 day before the closing date ). First I thought this must be a mistake, because the total due amount was about $ XXXX more that what I had expected. I had asked XXXX many times how much would be the approximate cost, and he had mentioned $ XXXX roughly, including the $ XXXX that I had paid at the beginning ( I have all email chains of my communications with him in this regard ). That means I would need less than $ XXXX for the closing, and that is the money I had placed in my checking account. I called XXXX about XXXX times when I saw that, and I finally managed to talk to him. I asked him if he knew about this requirement. He had clearly no idea!! First he said this must be a mistake. Then, he said he would ask and get back to me. After calling me again, he said this was written in the previous docs that Chase had sent me. Such a big lie! I went through them all, and I found nothing ( I have kept all the mailed docs ). Even if it were mentioned in the docs, he was supposed to communicate it to me very clearly, which he never did. He also said, the very first time we had talked, he had mentioned paying off my car loan might be a requirement for getting approved for the loan! It is amazing that because this was a possibility, he expected me to assume this is indeed a requirement, although it was not brought up since then! I had the same horrible experience with XXXX. When I talked to her, all she did was blaming me! To be fair, she also mentioned XXXX was supposed to communicate that requirement with me, and she can not do anything about it. Basically, all they said was this requirement is imposed by the underwriter and they have no say on it. Btw, at the very last day ( XXXX XXXX ), after I had paid all the closing costs, the tile company contacted me complain they can not find the contact person in Chase to fund the loan!! It took them several hours the resolve the issue! My question is why these guys did not tell me about this at least a couple of days before, so that I would have a choice. How did they expect me to find {$9000.00} in less than one day? Do they even care? The real tragedy is I did have the money in a different bank account, but because it would take a couple of days to transfer it to my checking account, I ended up borrowing money! It was also too late for me to withdraw from my application, because I already had removed all my contingencies. I would end up paying a huge penalty to the seller if I wanted to cancel the contract. I am planning to use all my legal tools to make Chase compensate for all the extra trouble I went through because of their ignorance/incompetence. They should be held responsible for their very unfair way of practicing business. They should also be stopped from treating their other clients in such a brutal and unfair manner. -XXXX XXXX | ||||||
| 05/20/2015 | Yes |
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Web | Servicemember |
| My husband started a new XXXX position XXXX. We received conditional loan pre-approval from the assigned loan XXXX XXXX XXXX with Chase Bank on XXXX/XXXX/XXXX, put our house XXXX for sale, and began house shopping XXXX. Three months later, I requested another pre-approval letter since my XXXX XXXX expired. In his email on XXXX/XXXX/XXXX, XXXX stated, " I will need the following documentation in order to have your file underwritten and fully approvedXXXX Most recent paystubs for all borrowersXX/XX/XXXX and XXXX XXXX forms for all borrowersMost Recent 2 months of bank/asset/retirement account statements to source the downpayment and reserves. Please ensure the statement includes your name, account # and all pages ( for example, if the document says page XXXX of XXXX at the top then we would need all XXXX pages even if the last page is blank ) XXXX and XXXX XXXX XXXX tax returns including all pages and schedules ( if you own a corporation we will need your business returns also ) Fully executed Purchase Contract ***This is needed to lock your rate so please send it ASAP***. " I submitted the requested along with our XXXX tax return information that included my husband 's current job title and compensation information and was pre-qualified for a purchase of a house for {$300000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we had an executed contract to purchase a property located at XXXX XXXX XXXX XXXXXXXX that stated a 21-day period for third-party credit approval. I forwarded this contract to XXXX. XXXX XXXX, XXXX was our closing date. We deposited {$3000.00} in earnest money and {$200.00} option fee. On XXXX/XXXX/XXXX we had our home inspection done ( {$330.00} XXXX. Chase charged us for the property appraisal {$470.00}. On XXXX/XXXX/XXXX, XXXX XXXX send me this email, " Below are the items we will need:XXXX Signed and dated letter of explanation regarding : a. paystub from XXXX - XXXX reflecting only XXXX hours for almost a full monthb. explain why address reflects previous XXXX Borrower to provide evidence that employment is a full time permanent employment with XXXX XXXX, XXXX. Copy of the earnest money check XXXX front and back ) XXXX. Transaction history to show liquidation of CD XXXX need the history to go from XXXX - current ). I liquidated my CD account losing around {$92.00} for penalty charges. This was the XXXX time, XXXX mentioned that he needed a letter from my husband 's employer stating that he had a full-time permanent employment since he pre-approved us XXXX times for the previous 6 months. us after having seen my husband 's XXXX forms and pay stubs with his job title. We submitted several letters from his employer describing my husband 's work status. Our realtorlee XXXX with XXXX stated, " Typically the lender notifies me if an extension is needed on the financing end. We reached out to XXXX prior to your 21 days to get an update on the loan process and were not told of any loan issues. I even reached out to Chase a few days prior to closing to get an closing date extension per my discussion with XXXX regarding the closing of your home on XXXX XXXX. Even at this time no one mentioned any issues ... '' In another email, XXXX talks about his attempts to get in touch with XXXX XXXX again, On XXXX/XXXX/XXXX I emailed and called XXXX from Chase to confirm that a closing extension was needed and that the seller 's agent would be contacting him directly as well. He then told me that he would call me back in XXXX minutes because he had to confirm with XXXX if he could discuss the loan details with me. He never returned that call or email. '' We were issued a financing denial letter by XXXX supervisor XXXX XXXX on XXXX/XXXX/XXXX. As a result of XXXX failure to communicate potential and real problems in regards to our loan in a timely manner, we lost our earnest money, option fee, and inspection fee. I had no place to move my family and furniture. | ||||||
| 10/05/2016 | Yes |
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| In late XXXX of XXXX I received a letter from Chase ( Financial Services? ) saying that I had unclaimed funds that were about to be turned over to the state, and giving me both a phone # to call and a form to fill out and return. In XXXX of XXXX I called the phone number and asked the Chase rep. what funds these were, and was told they dated back to XXXX and a XXXX claim. That made sense to me, so I agreed to have them mail me a prepaid card with the remaining funds, in the amount of XXXX ( sorry, ca n't remember the unit figure ). I was told I did n't need to send in the form, but a few days later I got worried and filled out and sent in the form anyway. I still do n't have the card. Today, XXXX XXXX, XXXX, I looked up a number for Chase and called it. First I spoke to a person who denied that I had ever had monies there, but she quickly changed and said that I used to have an account, but I had spent it all to XXXX. I disputed that, and finally got bumped up to a supervisor, who gave her name as something unintelligible, but it sounded like XXXX-bunch more syllables. This supervisor ( the " first supervisor '' ) informed me that my funds had been transferred to the State of Ohio, as there had been no contact with me. I protested that I had called in XXXX, and she interrupted me and said yes, they have a record of my call, but they did not send the card as I requested, because the call was not sufficient and I had needed to return the form. I told her that I had in fact also returned the form, and she told me that since I was now changing my story, she " did n't know what to do with me. '' I told her that I was NOT changing my story, that I had called first and sent the form in later. She denied receipt of it, so I asked what I could do now. She told me I needed to contact the Unclaimed Property Department of the State of [ state ], and I asked her for that phone number. She insisted that she could not provide it, as " We can not give you information about the State of [ state ] that the [ state ] has not provided to us. '' At this point the phone call was disconnected, and I called back and eventually was speaking to another supervisor ( " second supervisor ' ). This one confirmed that not only did they have a record of my phone call, but that they HAD sent me out a card. She informed me that it was " too late '' for me to be saying I had not received it. I asked her to confirm whether that card had ever been " activated, '' and she informed me it had not. I said that was because I never received it, and she repeated that it was too late for that. She ( as had the 1st supervisor ) informed me that {$38.00} had been transferred to my state. I asked why that was less, and she informed me that since there had been " no contact '' and the account was " not active '' that they had been taking {$1.00} fee each month. She told me that I should have known that I only had 7 days to respond ( no card ), and that fees applied immediately, as they had sent me that info in XXXX. I can not understand that. She would not inform me how many months this has been happening, nor would she agree that my request for a card less than 2 months ago constituted " contact. '' She did, unlike the first supervisor, give me a phone number for the state. I called the Dept of the state, and they have no record of that money being sent to them. I was informed that Chase should have waited 12 months after my contact in XXXX XXXX. I was unable to provide the state with a date for the alleged funds transfer, as neither supervisor would provide me with that or other information I requested. The state 's department is working to find it through their research department, but in light of the conflicting answers I got from 2 supervisors at Chase just this morning, and in case they are still holding my money and continuing to deduct fees from, I believe I need to initiate a complaint. | ||||||
| 08/27/2016 | Yes |
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| Chase credit card deleted my entire online profile which included secure messages that was prima facie evidence that Chase honoured our request to extend our 0 % balance transfer offer to on or around XXXX XXXX XXXX. Now Chase is charging me {$35.00} in interest charges even after I paid the {$12000.00} balance off IN FULL On XXXX XXXX, two weeks before it was due. Chase denies extending it to the end of XXXX and insists that it was only until XXXX XXXX XXXX. I was locked out of my acct for nearly two weeks at the end of which I decided to end my banking relationship w/ Chase. As soon as I was able to get online access to my account, I paid the {$12000.00} balance off in full on XXXX XXXX XXXX. I also discovered that Chase deleted my original acct or otherwise denies me access to my online acct that held the proof of the extension, so I can not provide proof other than my excellent payment history including the $ XXXX balloon payment. XXXX online rep XXXX XXXX even LIED and stated in writing that the extended expiration date of the 0 % offer to XXXX XXXX XXXX, had been on my statements since XXXX. This is PATENTLY FALSE b/c Chase only honored my request for the extension in XXXX XXXX so it is IMPOSSIBLE that the misquoted exp date of XXXX was on stmts prior to XXXX. In fact, it changed from XXXX XXXX ( orig date ) to XXXX XXXX XXXX in the stmt cycle that closed XXXX XXXX. Our stmts are all online. We do n't use the card and have n't used it since XXXX XXXX XXXX, when we did the balance transfer. Thus when Chase denied us access to our online acct, there was NO way for us to verify the extended exp date and of course, schedule our payment for the entire balance of {$12000.00} to avoid interest charges. Furthermore, we successfully made the balloon payment of {$12000.00} on XXXX XXXX XXXX, which Chase immediately deducted from our Chase Premier checking account. Chase then sent us TWO letters wks later that falsely stated that it could not process our payment and thus we still owed {$12000.00}. Chase tried to trick us into making double payments! Moreover, after being on the phone for nearly an hour today, XXXX XXXX, a supervisor today XXXX in XXXX XXXX falsely stated that Chase " is n't even able to extend balance transfer dates. '' This is patently false b/c the original exp was XXXX XXXX until Chase agreed with and then approved my argument that 0 % offers generally end at the payment due date in which the offer expires. FALSE! Thus Chase directly blocked us from being able to pay off our balance in full and its actions threaten to adversely impact our otherwise excellent credit history. Chase is trying to bully and intimidate us into paying for interest charges that we only incurred due Chase 's technical difficulties in getting us online access to our acct. This is a SMALL amount {$35.00} for Chase to risk losing our business but Chase is a multi-billion dollar institution and I am a single person. Chase has the ability and power to charge every one of its millions of customers unwarranted charges and fees and it does so when it and it alone holds the power and evidence to prove otherwise. Chase and its reps refused to consider these extenuating circumstances -- that Chase and only Chase alone controlled -- surrounding our final balloon payment for an otherwise excellent credit card history. Chase prevents us from logging into our original acct to access the secure message in which Chase agreed to extend our expiration date to more agreeable terms, i.e., to XXXX XXXX XXXX -- the only proof of this. Now Chase manufactures evidence, and even patently false evidence, in its own favor. We will warn all of our friends, neighbors, colleagues, and family to avoid doing any business with Chase. We have already closed XXXX of our banking accounts, with XXXX left to go and our nearly $ XXXX dollar mortgage. Chase is a bully and a nightmare. | ||||||
| 05/18/2016 | Yes |
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| On XXXX XXXX 2016 I received postcard stating I had contacted my bank about an annual fee on a credit card account of mine that the bank recently closed, however, I had not contacted them. This prompted me to contact the bank to see if someone else had contacted them posing as me. I then learned my account was closed due to non-payment of a membership fee of {$95.00}. I asked the bank when this statement was sent to me because I was not aware of the fee or of any balance on my account. I was informed that a statement was mailed on XXXX XXXX. I advised the bank I did not receive it and then asked the bank what address the statement was mailed to. The bank said they could not tell me but I could confirm my address for them. I confirmed my physical address ( which was listed on the postcard that I had received from them that day ) and also my P.O. Box address. Both addresses were listed on the postcard. I demanded for my account to be re-opened because I did not receive proper notice of my balance due via a statement, phone call, email, or text message ( Chase Bank has contacted me in the past for numerous reasons via all these lines of communication ). I was transferred to the credit review department to discuss the re-opening of my account. I spoke with XXXX XXXX who advised me that the account could not be reviewed because it still had an outstanding balance of {$95.00} that was forgiven by the bank but the account status was not updated to zero balance due. I again advised XXXX XXXX that I was not made aware of any payment due and I had not received the XXXX XXXX statement. XXXX XXXX informed me that my account was closed on XXXX XXXX which prompted me to ask why did the bank not send me a follow up statement on XXXX XXXX or XXXX XXXX to give me XXXX additional opportunities/months to make the payment? XXXX XXXX said he did not understand why XXXX additional statements were not sent over the 3 billing cycles before the adverse action of the bank closing my account occurred. XXXX XXXX then transferred me to XXXX XXXX in customer service to see if customer service could update the account to a zero balance and possibly have the review department re-open the account. In speaking with XXXX XXXX she confirmed that the bank only sent XXXX statement on XXXX XXXX and did not send a follow up statement on XXXX XXXX or XXXX XXXX before closing my account. I asked why did the bank not call, email or text me as they have on numerous occasions for promotions on bank services and activation of bonus privileges on my XXXX other credit card accounts. XXXX XXXX could not answer my query however she did some deeper investigation and suggested that the postal service returned my mail which caused my account to be delinquent 30 days for the membership fee. I again advised that I was not aware of the membership fee and asked why did the bank not send the XXXX XXXX or XXXX XXXX statement and she replied that she did not know. I was told to wait til XXXX XXXX until my account was a XXXX balance and to call back to ask to have the account reviewed for re-opening. I was also advised that I have around {$90.00} that the bank owes me for rewards points that XXXX XXXX asked if I wanted a check sent to me for. I declined because I did not understand why if the bank owes me {$90.00} why they did not apply that to my account before closing it. I also asked her why did the bank state I contacted them in the postcard I received when I did not. XXXX XXXX said she could not answer why. I did not want to wait so I went to the bank and paid {$100.00}. I am enclosing a copy of the receipt as well as the postcard that has both addresses that I received from Chase. I feel that my rights have been violated and that the force closing of a credit card by a bank has reflected negatively on my credit report and my credit score which will adversely affect my commercial building loan application | ||||||
| 09/22/2015 | Yes |
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| I have maintained my personal bank accounts including home mortgage and XXXX visa cards in Chase Bank for over 13 years as a loyal customer. During this time, I never had a late payment on any of my credit cards or home mortgage loan, not even XXXX time. I maintained excellent credit score, well above XXXX and lately at XXXX. Early this year I began receiving notices against each of my accounts from Chase Bank, other than the home mortgage, that Chase has decided to close all of my personal and XXXX Credit Card accounts. I was given a certain date to close my accounts out. Chase said it was within its rights to do so and they did n't have to give me a reason for their action. Including in those accounts were XXXX custodial accounts ; XXXX accounts belong to my daughters attending XXXX XXXX and XXXX of my XXXX-years old mother. I found it outrageous but decided to comply with their requests. I rushed to open new bank accounts with another institution and got new credit cards from XXXX and XXXX XXXX. I went to the local branch of Chase Bank and settled all of my credit cards and withdrew my personal funds. My Mileage Plus United Chase Visa card, XXXX of XXXX credit cards with Chase, had {$10000.00} balance due per the previous months statement that I paid it off on XXXX XXXX, 2015. On XXXX XXXX, 2015, I went to the local bank branch and paid the {$990.00}, the balance incurred since the last statement. Later, I learned that bank assessed additional {$87.00} interest on XXXX XXXX, 2015 that also was paid on XXXX XXXX, 2015, via a phone call. I was entitled to a refund on the annual fee of {$85.00} assessed earlier. I had used online access, portal provided by the Chase Bank, to manage my accounts. After the accounts were settled and closed Chase took away my on-line access. In XXXX 2015, I was denied a refinancing loan on my personal residence because Chase had reported {$370.00} due on my XXXX XXXX XXXX XXXX account and reported XXXX late payments ranging between {$25.00} and {$42.00} over the next three month. That was the first time I learned I had derogatory reports on my credit report. I called the Bank on XXXX XXXX to confirm these charges. I did not realize that after I had paid up my last balance and brought my XXXX XXXX balance to XXXX on XXXX XXXX, Chase allowed XXXX unauthorized charges that I had no knowledge of on the XXXX Card on XXXX XXXX and XXXX for {$290.00}. Chase also refunded {$85.00} annual fee and had an outstanding balance of {$200.00}. ( XXXX & XXXX bank statements are attached. ) Over the next 6 months that balance became {$370.00} after Chase added late fee and interest and reported XXXX late payments to the Credit Bureaus. Chase never attempted to contact me via a phone call or sent a customary letter or provided monthly bank statements. Chase customer service representative, who identified herself as XXXX, told me that it was not Bank 's responsibility to inform me about my statements because I was using an on-line access. The fact that the on-line access was taken away after I was forced to close my accounts was none of their concern. However, the Bank felt obliged to continue to assess interest and penalties and also reported to the Credit Bureaus but saw no reason to inform me. I requested the bank statements. After the bank statements were received I called bank on XXXX XXXX, 2015, to resolve my credit report issues. XXXX XXXX from XXXX XXXX location told me that I had no recourse and all he could do was to accept my payment of {$370.00} ( includes {$170.00} in penalties and interest ) on the phone that could be charged to my new XXXX XXXX account. I authorized the payment. Chase maintained my personal information ( phone, address, new bank ) but chose not to contact me. In conclusion, Chase removed my account access, never sent me an account statement, and I had no way of knowing the charges or penalties. | ||||||
| 04/16/2019 | Yes |
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| On XX/XX/XXXX, my Chase debit card was stolen, a thief made unauthorized purchase for {$100.00} at a merchant named XXXX 24 HOURS at XXXX, NY. I reported to Chase on same day, Chase rep cancelled stolen card, issued me a new card, guaranteed me Chase debit card has fraud protection feature so that customer will not be responsible for paying any fraudulent transactions. Chase gave me a temporary credit of {$100.00} on XX/XX/19. However, on XX/XX/19, Chase sent me another letter indicating that their investigation is complete and the transaction was AUTHORIZED, and Chase will reverse the {$100.00} credit which was used by the thief. I was upset and felt my rights were NOT PROTECTED at all. I called Chase fraudulent department again on XX/XX/19, the rep told me the previous claim was not filed correctly by 1st rep and the 2nd rep re-opened the case, but 2nd Chase rep told me she CAN NOT guarantee that I will get the money back!!! I was upset that Chase authorized a thief to use their debit card, I insisted to speak to a supervisor, after 20 minutes waiting, the supervisor XXXX told me the 2nd Chase rep filed the claim correctly, but it the {$100.00} credit will still be reversed ( since it the reversal was already processed ) and Chase will only issue another temporary credit if they can not complete their investigation within 10 business days. I told XXXX this is very irresponsible response since it was Chase 's 1st rep did not filled the claim form correctly. I insisted to speak to a member of Executive offices. I waited another 20 minutes and XXXX from Executive office answered me that he has to conduct his independent investigation to determine if I can get my money back, XXXX gave me a new case number, told me he reviewed the notes and documented all the information, he can only try his best to get my money back, but he also can not guarantee, it takes some time. I asked the 2nd Chase rep what types of documents they requested the merchant to provide to prove it was me making the purchase, Chase rep answered me that it is confidential. I also asked why not request the merchant to provide a security camera video on XX/XX/19 when fraudulent transaction occurred so it can be reviewed that it was NOT ME at the store making the purchase. Chase reps told me they did NOT request the store to present security camera videos to check who was making the purchase. The security camera was the only essential evidence to prove it was not the card holder making the purchase. Yet Chase denied the necessity to request it. I also told Chase reps that I can sign an affidavit with my photo or ID attached so they can review, Chase said they do not need that!!! Chase is helping the dishonest merchant and the thief to get away from abusing my Chase debit card and making me pay by not requesting the merchant for reviewing the security video. I spent total of 2 hours to speak to total of 4 Chase reps including 1 supervisor and 1 executive officers for ONLY 1 FRAUDULENT TRANSACTION!!!! I've banked with XXXX, XXXX XXXX bank, XXXX bank and XXXX XXXX card ; never had any other financial institutions gave me such hassle for getting my OWN money back from a fraudulent purchase. I feel Chase is PROTECTING THE RIGHTS OF THE THIEF and THE DISHONEST MERCHANT instead of a long term ROYAL and honest customer!!! I no longer feel safe to use Chase debit or credit cards, as Chase is TOO EASY TO AUTHORIZE STOLEN CARD PURCHASES, and intentionally protecting merchants ' and unauthorized thieves ' interest. Chase is totally ignore their account holders ' financial interest or rights. Therefore, I warn all fellow customers, you have a Chase debit or credit card at your own risk - anyone who stole your CHASE card CAN use it, Chase will AUTHORIZE any FRAUDULENT transactions, helping the thief and dishonest merchant to get away and let the honest customer to suffer the financial loss!!! | ||||||
| 10/22/2016 | Yes |
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Web | Older American |
| We were getting meals delivered to us for my elderly mother from a company called XXXX XXXX for {$39.00} per delivery. I was going to discontinue the service in XXXX when they sent us a special summer promotion for {$19.00} per delivery, so at the end of XXXX I paid them for {$1300.00} worth of deliveries, but I told them to only deliver 4 times a week. We could set it up for as much as 7 days a week or as little a one day ; that was up to us. We had been getting XXXX deliveries per week prior to this last order but when I put in the order for this special price I cut it down to 4 days and then a week later on XXXX XXXX I emailed them and told them to cut it down in half. On XXXX XXXX I got an email from XXXX saying that they were going out of business and that they would not be making any more deliveries so we only ended up getting about XXXX deliveries at the most. I immediately put in a dispute with Chase and I told them the story. A woman called me from " the back office '' several weeks later to tell me that the vendor was disputing our claim. She said that XXXX XXXX was claiming that along with administrative fees they had delivered enough meals during the month of XXXX at {$39.00} to use up the full amount that we had paid them. I told the woman from XXXX that was impossible because we were only paying {$19.00} per meal, we had only gotten XXXX deliveries at the most because we were not on a 7 day schedule and that there were never any administrative fees. I told her that the burden should be on XXXX XXXX to produce the invoices and that we never received any confirmation from them for the order anyway. I had no invoices or proof of delivery because they hand deliver with their own service and no one has to sign for them, so it is their word against ours. But even it they had delivered XXXX meals a week it would have only come to {$500.00} at the special contract price of {$19.00} per meal anyway. I informed her that it is posted online that the CEO of the company knew that they were going to be going out of business and that they deliberately baited people into giving them a lot of money upfront by giving a special reduced price with the intention of closing the doors and taking the money to pay off secured debt to the bank that had given them a loan. I also informed her that XXXX XXXX was now in Bankruptcy and that there were many other people in the same situation that we were in. The woman assured me that Chase was fighting the vendor 's claim because they had not given any evidence to support the fact that they had supplied any service and that Chase found their claim to be dubious. I called in to try to find out what was going on after that, and I was told that I could not speak to anyone in the " back office '' and that they were still working on contesting the claim. I was also told that even if they go into bankruptcy we would still be entitled to our money back from Chase and that it would be their problem and not ours. I then wrote out everything that had happened and faxed it in to them along with all of the supporting evidence and they acknowledged that they received it. I was told that they were still reviewing the claim, that they were fighting it with XXXX XXXX, and that they would let me know. On XXXX XXXX that they have reviewed our claim and that it was denied and that they are going to take the refund back from us plus interest. But there is no back up to the decision at all, and not one shred of evidence to substantiate that XXXX XXXX ever made any deliveries. There are no invoices, and no proof of deliveries. When I called in to complain and I asked for a supervisor, he told me that there was nothing that they could do in a situation like this, and that if the vendor maintains that it was a valid purchase, and that they delivered the product, then I was out of luck and there is nothing that I can do. | ||||||
| 10/06/2019 | Yes |
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Web | Servicemember |
| To whom it may concern, I would like to request your assistance in resolving a decision by JPMorgan Chase Bank that I feel unfairly discriminates against recently XXXX military veterans. Chase has an unwritten policy, called 5/24. Chase uses this policy to deny credit to applicants for certain credit cards who have opened or closed 5 or more credit card accounts in the preceding 24 months. This policy has a discriminatory effect on XXXX veterans who have been forced to restructure their finances as a result of ending XXXX XXXX Military service. I XXXX from XXXX XXXX on XXXX XX/XX/XXXX. In the months preceding my XXXX, I restructured credit accounts to prepare for civilian life. As an example, I was ordered to have a US Government Travel Credit Card during my military service which was one account I needed to replace as I XXXX from the military. Additionally, as a member of the XXXX XXXX, I was required to have another credit card which I also needed to replace as I XXXX. As you can imagine, other credit card providers stopped military exclusions of fees or other features ( as an example, my XXXX XXXX XXXX XXXX ) which also led to credit card changes. As part of my effort to transition my credit for civilian life and post-military employment, I applied for a Chase credit card ( the Chase Sapphire Visa Signature Card ) in XX/XX/XXXX. I was denied credit and received the letter in Tab 1 on XXXX XX/XX/XXXX. I called and spoke to customer service, where I was told that I had too many credit cards opened in the last 24 months, and this is why I was denied credit. I sent a letter in Tab 2 to request an exception to policy and a reconsideration of their decision. I pointed out in my letter that a denial of credit is a fairly serious event for someone who still holds a US Government Security Clearance and who was attempting to seek employment using those credentials. They responded with the letter in Tab 3 which was another refusal and did not address my concerns about the negative impact of a credit denial. I sent another letter to Tab 4, attempting to clearly describe why I feel their policy is unfairly discriminatory and potentially damaging to the future employment of veterans with a security clearance. Their final response is in Tab 5 which again demonstrates their lack of empathy for veterans and their refusal to grant a reasonable accommodation to me. I see this situation as analogous to the shop owner who does not have a wheelchair ramp at their storefront. The shop-owner can certainly claim that everyone is welcome into the store, as long as they climb the stairs so there is no discrimination. The other way to see the situation is that there is a barrier to entry to the business to someone who can not simply walk the stairs, and the lack of reasonable accommodation to those who have disabilities is obvious discrimination. Military veterans, due to the nature of the transition to civilian life, have barriers to entry that come primarily from the nature of their military service. Chases 5/24 rule discriminates against those veterans. As a recently XXXX military veteran, I need assistance gaining access to Chases credit card store. Restructuring my credit, uniquely necessary due to my transition to civilian life, has made me ineligible to fairly access their business because of their 5/24 policy. I am asking you to advocate for me, and other veterans in a similar situation, to convince Chase to allow exceptions to their 5/24 policy. In other words, I am asking for reasonable accommodation for the unique issues I face as a recently XXXX veteran. I believe strongly that their policy disproportionately impacts/discriminates against the recently XXXX veteran demographic. Thank you for your consideration. Please contact me if I can provide additional information. I look forward to hearing from you soon on the pathway forward on this issue. | ||||||
| 01/04/2017 | Yes |
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| I hereby file this Complaint against Chase CardMember Services ( " Chase '' ) relating to a dispute with XXXX. ( " Merchant '' ) regarding refunds that were not received and due to the fact that I have been unable to communicate with anyone from Chase despite numerous attempts over the last 4 months. Chase decided in favor of the Merchant, known to be a fraudulent company, twice, without ever contacting me and each time provided conflicting determinations. I filed a dispute with Chase on XX/XX/XXXX when Merchant failed to provide me with a full refund. Chase provided temporary charge backs and indicated they would investigate this matter. On XX/XX/XXXX, a woman " XXXX '' from Chase left me a message and requested I return her call. I returned her call but had to leave message. Having not heard back from anyone, I contacted Chase the next day and learned that they determined I did not provide sufficient proof as to the amount of the refund, the chargebacks were reversed and the dispute was closed. I have never received a return phone call from this individual and, in fact, I have called this number for months now and have never received a response. On XX/XX/XXXX, I requested Chase re-open the investigation. I then submitted additional documentation to clarify and prove the amount owed to me was {$9900.00} ( XXXX payments of {$4900.00} ). Between XX/XX/XXXX and XX/XX/XXXX, I telephoned Chase numerous times requesting to speak with the investigator. No one from Chase has ever returned my call and I was told I can not speak directly with this person. On XX/XX/XXXX, having not heard from anyone, I telephoned Chase again to inquire as to the status of the investigation and learned that Chase decided in the Merchant 's favor again. The reason for the second denial, inconsistent with the first determination, was that the Merchant now claimed to have never promised me a refund-despite the fact that Merchant had already refunded XXXX out of the XXXX payments which is clearly shown on my credit card statements. The underlying dispute arises from an initial deposit of {$18000.00} for investment services provided on XX/XX/XXXX and XX/XX/XXXX, in XXXX credit card payments : {$4900.00}, {$4900.00} and {$2000.00} ( XXXX ) and {$4900.00} and {$2000.00} ( XXXX ). Soon after my account increased to {$74000.00}. As this seemed too good to be true and after some time of strange communication, the fact that the company was not providing me with the services that were agreed to and upon learning this Merchant could be a scam, I requested that my account be closed and my initial deposit returned to me. Merchant agreed to refund my initial deposit to which I provided Chase with proof of same. When I only received XXXX out of the XXXX refunds, I filed a dispute with Chase to ensure my protection. For clarification, I did not make trades myself nor was there any fee for the services. Merchant 's fee was a percentage from any profits made from trades. The payments I provided to Merchant were simply an initial deposit to which I had every right to receive a refund. The Merchant, after providing XXXX refunds, withdrew the remaining money ( approx. $ XXXX ) from the account. I have provided Chase with documents proving the amount to be refunded ( {$9900.00} ) - Chase 's first reason for denial and documents proving Merchant had agreed to refund my initial deposit-Chase 's reason for the second denial. This Merchant is a fraudulent company and has scammed others as well. Time was of the essence with this investigation and it should have been handled more professionally. Based on the documentation I provided to Chase several months ago, the Merchant should have been required to provide the XXXX remaining refunds, totaling {$9900.00}. I hereby request that Chase demand that the Merchant provide the full refund as promised, or, alternatively, Chase be liable for these amounts. | ||||||
| 04/07/2016 | Yes |
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| On XXXX XXXX, 2016 I went to the chase bank located at XXXX XXXX XXXX, XXXX NY XXXX. I went in to make a cash deposit of {$670.00} to my checking 's account. I used one of the new touch screen ATM 's located inside this branch and proceeded to begin my deposit. As I got to the part where I was prompted to place the money inside I began placing the money wrong, as this was my first time depositing money using this type of ATM machine. As the door began opening one of the bank representatives noticed I was placing the money incorrectly and quickly moved to assist me and along with me grabbed the bills and put them into the deposit hatch. In that process not all the bills made it inside the ATM so {$50.00} remained with me ( XXXX {$20.00}, XXXX {$5.00} ), and {$620.00} ( XXXX {$20.00} ) made it into the ATM. The ATM started making the noise that it does when it is processing the deposit but then a receipt ended up printing out that said, " This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase branch or call us toll-free at : XXXX Service hours : XXXX-XXXX. Please keep this receipt for reference. '' While I was standing there reading it the representative who helped me let me know to call that number and if it was n't deposited then you need to open up a claim. I called the number and they let me know the deposit did not go through and they would transfer me over to the claims department. I explained the whole story to the gentleman on the phone and asked me some routine questions then he let me know my claim was open and would be investigated. He also let me know that in the meantime I will receive a {$620.00} credit to my account that I can use and do with it what I had intended to do with my original deposit, which was to pay my XXXX XXXX bill. He said they would be sending someone out to that ATM machine to investigate and verify my story. On XXXX XXXX, 2016 I received and email from them saying that my claim was being declined and they would proceed with removing the credit that they gave me from my account on Friday XXXX XXXX, 2016. The credit they gave me I used to pay my bill which was the intention from the beginning and the reason I was in the bank to begin with so the money that they were going in to take would be my personal money now. Now I am very angry at this point I call the Chase Customer Claims number, XXXX, located on the corresponding document that they sent me. I ask the lady who takes my call, why is the money is being taken out of my account? She proceeds to tell me that I need to verify the denomination of each bill that stayed in the ATM machine. I am not 100 % sure about this off the top of my head so I tell her to give me a minute to recollect. I hang up and call back after writing down all the bills I had ( I used an ATM machine before I made that deposit to withdraw money to make change for this deposit ). Based on that previous withdrawal and the {$50.00} I was left with I concluded that XXXX- {$20.00} bills was what remained in the machine. They let me know that now a second investigation would be done and I will hear back in 3-5 business days. I also decide on that day to visit the branch where all this happened, I was directed to the branch manager who was helpful. She also called the Claims department to understand what was found that made them decline my claim, which they say was attached with the documents they sent and it was not. They let her know the same thing they told me that it was being researched again and I would hear from them in 3-5 business days with their findings. Today, XXXX XXXX, 2016, makes the 5th business day of reopening this case so I proceed to call the Chase Customer Claims number, since I did not hear anything back. When I called they told me again my claim was being denied because after a second investigation they can | ||||||
| 05/30/2015 | Yes |
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Web | |
| I have attempted to get a modification for six months with JPMorgan Chase financial. I have recorded XXXX calls with Chase in XXXX, which is a XXXX party notification state. Chase has been grossly negligent and potentially committed fraud in handling my modification. CHASE STATED DEFENDANT DID NOT NEED AN ATTORNEY FOR FORECLOSURE MEDIATIONOn a XXXX XXXX, 2015 recorded phone call XXXX, my SPOC ( single point of contact ), stated that Defendant did not need an attorney at the upcoming XXXX XXXX, 2015 mediation because an agreement was about to be reached for the modification. CHASE REFUSES TO MAIL OUT WHAT IS NEEDED FOR MODIFICATIONChase has repeatedly refused to mail out a specific list of what is needed. The auto-generated list often contradicts what is needed. [ Exhibit XXXX XXXX In recorded calls on XXXX XXXX XXXX XXXX admitted that she was unsure why the auto-generated list did not contain what was needed. Executive officer XXXX XXXX and her supervisor XXXX XXXX stated they would mail out what I need for the modification " within a week ''. [ Exhibit XXXX - XXXX conversation being transcribed ] As of today, XXXX XXXX, 2015, no list has been provided. The only list that Chase provided was an email to XXXX XXXX of XXXX XXXX XXXX XXXX office on XXXX XXXX, 2015, which matched what was required by executive office XXXX XXXX and her supervisor XXXX XXXX in recorded calls. [ Exhibit XXXX XXXX Defendant relied on this email and submitted all items. When Defendant turn in the required items on XXXX XXXX. Defendant called back XXXX the same day and she stated those items were never needed. XXXX Exhibit XXXX - being transcribed ] CHASE CONTINUES TO CHANGES WHAT IS NEEDED - SOMETIMES THE SAME DAYFor the past six months, other Chase employees contradict what my SPOC ( single point of contact ) at Chase XXXX XXXX and my previous SPOC XXXX XXXX states is needed. When I call and ask what is needed, often the same day, the list of what is needed changes. I created an exhaustive tally of what Chase representatives says is required, based on recorded phone calls. XXXX Exhibit XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] CHASE STATES THAT QUITCLAIM IS NEEDED FOR MODIFICATION BECAUSE OF " CHANGING '' FHA GUIDELINES - FHA HUD STATES THAT QUITCLAIM NOT REQUIRED BY XXXX XXXX, XXXX XXXX XXXX my XXXX SPOC until it went to underwriting the XXXX time ), XXXX XXXX ( up until XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and presumably " XXXX or XXXX supervisors '' that XXXX spoke with on XXXX XXXX, all felt that a quitclaim deed was NOT needed and that the modification could be pushed forward without a quitclaim. XXXX Exhibit XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] A day after the mediation, on XXXX XXXX, 2015, Chase representative XXXX XXXX called and stated that FHA policy had changed, and that Chase could not accept a modification without a quitclaim deed. He told Defendant that he would ask Chase attorneys and find out when this quitclaim policy had changed. On XXXX XXXX, 2015 an unsigned letter was sent to defendant from Chase entitled " We are researching your request '' regarding finding out when the FHA policy had changed. On XXXX XXXX and XXXX, 2015, XXXX XXXX, Executive Office, Research Analysis called defendant and assured him that she would go through the telephone call recordings and find out when the FHA policy had changed. On XXXX XXXX, 2015 an unsigned letter was sent to defendant from Chase stating that " we need additional time to research your request '' - " We will have an answer or status update for your by XXXX XXXX, 2015. Chase also contacted XXXX XXXX 's XXXX and said they would also have an update to her request by XXXX XXXX, 2015. As of today, XXXX XXXX, 2015, no letter has explained when FHA policy has changed. According to notes, on XXXX XXXX, 2015 XXXX XXXX, HUD, stated that " we do n't have anything to do with quitclaim deeds '' [ XXXX ] | ||||||
| 10/21/2023 | Yes |
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| My previous filed Case number related to this one is ; XXXX The appointed Chase employee assigned to this case name is XXXX! In my previous filed CFPB report # XXXX XXXX XXXX denied my request to have my funds repayed by Chase bank. Her explanation is as follows ; We received your claim for the cashier 's check for {$89000.00}, which you informed us was intercepted and cashed by an unauthorized party at XXXX XXXX XXXX, the bank of first deposit ( BOFD ). The BOFD denied the check claim because the check was deposited into an account matching the payee 's name. We have requested repayment several times. Unfortunately, the BOFD denied the request to return the funds. We can not refund the funds, as the bank that accepted your check is responsible for repayment. We've enclosed the letter we sent to you on XX/XX/2023, for your review. ( Also, see her formal written response attached ) Ive called this executive chase office and requested to speak to her supervisor but was denied the right to do so by a receptionist. However, yesterday during a recorded call XXXX returned my call instead of her supervisor. During this call I expressed my unforgiving disgust as it applied to her response to my original complaint in which she repeatedly apologized after I made her aware that she BLATANTLY LIED in her response by alleging my Check was *INTERCEPTED? Then cashed by the scammer at XXXX XXXX XXXX. This ridiculous play on words of an interception is a continuation of Chase bank mishandling of my {$89000.00} along with the process to refund my monies. During XXXX *mandated call to notify me shell be handling my claim I tried to have a conversation with her in which she was rude and refused to converse with me, as I insisted and begun to talk about my case how coincidental the phone hung up and she never called back. Furthermore, in this recorded call yesterday she claimed she was unaware the scammers INITIATED the making and delivery of the check, claiming she believed I had ordered the check and it was *INTERCEPTED?.. This ridiculous lie is apparent because in the complaint I filed it SPECIFICALLY SAYS WHAT THE SCAMMER DID TO OBTAIN THE CHECK AND HOW IT WAS GENERATED!.. So she didnt even bother to thoroughly read the complaint, neither did she investigate the claim and the notes in the system from day one which would have spelled it out for her. She apologized for misunderstanding what happened? This is {$89000.00} Ive been without for XXXX months and the person thats supposed to be helping me neither UNDERSTANDS NOR READ MY CLAIM IN ITS ENTIRETY NOR READ THE NOTES WITHIN THE CHASE INTERNAL SYSTEM TO LEARN HOW THIS HAS HAPPENED? The unprofessionalism herein from the Chase employee that aided the scammer from day one, up until this XXXX lack of assistance has been nothing short of a absolute circus. While Im stuck twiddling my thumbs awaiting a miracle of a COMPETENT CHASE EMPLOYEE, to see the buffoonery of it all while having the moral decency and superiority to see that my money is rightfully returned to me immediately. Chase continues to blame XXXX XXXX XXXX as whos responsible for repaying the funds. Ignoring the reality IM THERE CLIENT not BOFD, my funds are insured through CHASE. BOFD position is that Chase so poorly followed basic protocol that allowed my funds to be taken by the scammers theyre refusing to pay. Which is understandable because CHASE absolutely was undeniably careless and AN EMPLOYEE WAS DIRECTLY INVOLVED IN AIDING THE SCAMMERS! Facts I alleged to XXXX XXXX from the original complaint and brief conversation before she hung up on me, and before she filed that BOLD LIE THAT MY CHECK WAS INTERCEPTED! I should not be a ping pong bounced back n forth between two banks thats blaming each other as to whos responsible. THE BOTTOM LINE IS THAT MY MOMEY WAS STOLEN AND CHASE YOU KNOW IT AMD YOU CARELESSLY HELPED THE SCAMMERS DIRECTLY AND INDIRECTLY! | ||||||
| 01/25/2016 | Yes |
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Web | |
| Dear CFPB, I am current on my my mortgage payments. Chase, my primary and secondary mortgage lender, however, is telling me I am behind in XXXX mortgage payment on my primary mortgage. I am current on ALL of my payments. I 've disputed Chase 's " accounting '' and found that they are not accurately accounting for XXXX payment made on XXXX XXXX, XXXX. I 've disputed their records six times with banking records that are verifiable, clear, and transparent. But to no avail, Chase either claims they did not receive the materials or sent or that the information is not enough. In total, this is what I have done 1 ) I 've faxed in documents to show my Banking records that verify this claim four times. 2 ) I 've also emailed it. 3 ) In addition, I spent 70 minutes on the phone with XXXX XXXX XXXX and Chase to have XXXX XXXX XXXX verify the payments made. 4 ) I had my Bank prepare a letter in my defense with the payments made. Chase claims that the " faxes are not received '' or they do confirm a fax received but they only have half of the pages. They have ruled against me in several reviews in their research department. I 've made dozens of calls to an XXXX Bank " assigned to my case '' but no one calls me back. Here is a record of the times I have called Chase to discuss the issue 1 ) Called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX. Called XXXX XXXX, around XXXX ( never heard back ) regarding payment research sent in. 2 ) Called XXXX XXXX again XXXX XXXX, at XXXX. His voice recording says he " will call back in 24 hours '' but never does. 3 ) Called XXXX XXXX again on XXXX XXXX, XXXX. No response. 4 ) Called again and spoke XXXX on XXXX XXXX, XXXX I responded that I never hear from XXXX. I asked to speak with his Supervisor XXXX XXXX, Supervisor. I never hear back 5 ) Called XXXX again XXXX XXXX, XXXX. I left a message. Never hear back 6 ) Called XXXX XXXX again on XXXX XXXX, XXXX and left a message on VMAIL. I never hear back. 7 ) Called XXXX again XXXX XXXX at XXXX never hear back. 8 ) Called XXXX XXXX on XXXX XXXX and left a message. He says I should speak to another Supervisor XXXX XXXX XXXX. I call this number and leave a vmail and never hear back. 9 ) Called Chase again, " XXXX '' tells me to Fax documents again ( third time ) to XXXX XXXX XXXX XXXX XXXX : Attention : Research Department. I send Documents ( banking records ). 10 ) I faxdocuments to Chase around XXXX XXXX/XXXX/XXXX 11 ) A week letter, I receive a letter from Chase saying documentation was not sufficient and they " need a letter from the bank '' 12 ) I ask and receive a letter from my Bank and I faxed it to Chase on XXXX XXXX 13 ) I also sent Chase the same documents by mail to : Research Department Chase XXXX Attention : XXXX XXXX XXXX XXXX XXXX Ohio XXXX 14 ) I spoke to XXXX at Chase on XXXX/XXXX/XXXX. XXXX documented that I sent in missing payment research ( e.g. letter from my Bank ). I am telling XXXX now that I have faxed documents for a total of four times. I 've sent the files by email. This is my sixth attempt. XXXX is saying with 24-48 hours ( business hours ) e.g. " Monday '' I should be able to confirm fax was received via. XXXX XXXX XXXX XXXX. This Is the Collection Department. 15 ) I call Chase on XXXX/XXXX/XXXX, Monday at XXXX and spoke to XXXX XXXX to confirm that fax is received. She says " there is nothing in my file that fax is received ''. She forwards me to XXXX XXXX because : this is not the number to call '', despite, XXXX confirming " this number is correct '' 16 XXXX XXXX says she can not look into this letter and transfers me to the " research department ''. I am put on hold for 16 minutes. Research department tells me fax is " not received by Chase '' despite the fact the fact transmitted properly. I am giving up & need Consumer Protection. The payment made on XXXX/XXXX/XXXX for {$3700.00} is missing from Chase accounts. XXXXXXXXXXXX | ||||||
| 08/06/2016 | Yes |
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| In late XXXX ( XXXX? ), I filed a contest of charge with Chase Bank thru their telephone service claims dept. It was for an overcharge on my XXXX Check Card from a car rental company of {$3700.00}. The rental company has been stalling me and keeping me in a " holding pattern '' so-to-speak and dealing directly with them has been wholly unproductive, hence, my dealing with the issue thru my bank and XXXX. According to Chase, on XXXX XXXX the Car Rental Company responded to the claim that was submitted and a decision was rendered by Chase on the matter. Notice, however, was n't sent until XXXX XXXX as to the status of the matter and decision. I believe that this was done deliberately. The reasons why this seems apparently the case include, but are not limited to : 1. That after the funds were removed from my account, on XXXX XXXX, 2016 I called immediately ( while traveling internationally ) and was told by a supervisor in the claims department that the reason for the denial was because of an reason unrelated to thge claim and that was in regard to a previously filed lost card claim. I was told that if I could prove this reason to be incorrect, that I could have it " reasserted ''. All of this turned out to be blatantly false. 2. Subsequent to this, I managed to acquire all of the requested documents from the first call and sent them from a XXXX location in XXXX where I was visiting on XXXX/XXXX/16. I was given the direct in-office fax number of the Texas claims escalation office. I was given this by a supervising representative and told that after I sent it I could call and ask to speak to their office directly and could be connected by the claims dept. so that they could see it immediately, review it for submission and " reassert the claim '' and get funds back into my account as they did. This was also in large part false. After calling many many times I was repeatedly connected to the Ohio office or an outsourced call center and told that there was no way to guarantee where I 'd get connected to when asking for supervisory help. It appears to be yet another stall tactic by the bank. 3. The day after sending in the documents, I had to travel again per my already booked itinerary. After I arrived at the airport I had no funds to book a car, a hotel, or even get food. A fact I made aware to representatives to make known the urgency of the situation, as well as informing them that I am physically XXXX ( due to a XXXX injury ) and the inconvenience was literally painful. Their reply was to seek money from others and that I could re-send it from a local branch. Having no access to money I literally begged for change to get bus fare. I was shortly thereafter able to send it in again from a Chase location in XXXX where I was then located. 4. After sending in the documents from the Chase branch the requested documents were received by yet another claims supervisor I and the branch representative were told that the documents were not the correct ones to get the claim resubmitted and that a mistake must have been made by the representatives that instructed me to send them in and that I needed to supply a receipt showing the closed amount of the rental when I had returned it in order to get that going. 5. After spending the night sleeping in the airport I was able to secure cheap passage to another city where I have acquaintances I could stay with and get the receipt sent to me and forwarded it on to the bank on XXXX/XXXX/2016. After sending it in to a rep named XXXX at the Ohio office, I was told that it could not be reopened due to the fact that over 30 days had passed since the decision was rendered on XXXX/XXXX/2016. I explained that I was n't informed until 31 days later on XXXX XXXX. Over the next weeks, I was told by managers that it was n't Chase 's fault they informed me too late to supply new information and they would n't fix their error. | ||||||
| 09/20/2015 | Yes |
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Web | Older American |
| I am a senior of XXXX years old experiencing a considerable hardship, as a consequence of reduced income, XXXX on both of my XXXX, and an extensive XXXX, which is ongoing ( NOT covered by Medicare ). In 2015, I have applied for financial assistance with CHASE, who services my mortgage on behalf of XXXX XXXX. At that time, my monthly mortgage payment was about $ XXXX. I have asked to be considered/reviewed for each financial assistance alternative that I 'm eligible for, marking the appropriate box on the first page of the RMA. During the processing of the application, I received conflicting information from multiple CHASE representatives which made it almost impossible for me to know where I am in the process. I have already been denied XXXX for HAMP and Streamlined Modification. CHASE acknowledged its mistake ( s ) of requiring me to provide documents that I should not have been asked to provide. However, CHASE still denied my application on that basis. Moreover, different CHASE representatives ( from various departments ) told me that I was reviewed and approved on a Streamlined Modification while the Decision Letter I have received states otherwise. In the Decision Letter ( page XXXX of XXXX ), under " Other Option ( s ) That Were Not Considered '' it states that " We [ CHASE ] did n't review/ [ considered ] your loan for the following available assistance options [ meaning, Streamline Modification ], because we 've approved you for the XXXX XXXX Standard Modification Program ''... " The Benefit of accepting this Offer [ Standard Modification ] is that this option PERMANENTLY CHANGES your mortgage loan, SO YOUR PAYMENTS or terms of loan ARE MORE AFORDABLE. '' However, THIS PRESENT STANDARD MODIFICATION OFFER [ new payment is {$2800.00} ] DOES NOT MAKE MY MONTHLY PAYMENT MORE AFFORDABLE. Instead, it raises my monthly payment almost $ XXXX, versus what the monthly payment was prior to asking for financial assistance. While the Letter states that the Streamline Modification might have lowered my monthly payment and/or interest rate, I have not been even considered for a streamlined modification ( according to the Decision Letter ), despite my clear request on the first page of the RMA, where I marked the box stating : " I WANT TO BE REVIEWED FOR ALL MORTGAGE ASSISTANCE OPTIONS. '' However, on XXXX/XXXX/15, I was told by a CHASE representative ( Research Analyst ) that : " YOU [ I ] HAVE BEEN APPROVED ON A STREAMLINED MODIFICATION, by both, CHASE and XXXX XXXX. '' How is it possible that while both, CHASE and XXXX XXXX approved me for a Streamlined Modification, this is not even mentioned in the Decision Letter, which states that I have NOT BEEN CONSIDERED for the Streamline Modification. WHY? HOW COULD THIS BE? Last, but not least, I was told by XXXX different CHASE representatives that the Most Updated Package of XXXX pages of financial information that I sent to CHASE on XXXX/XXXX/15 ( before the due-date required by CHASE ), was most likely NOT RECEIVED by CHASE 's Underwriting Department before the Underwriting Department made its Final Decision, on XXXX/XXXX/2015, on my application. Furthermore, on XXXX/XXXX/15 I was called by another CHASE Executive Representative who stated that as XXXX/XXXX/2015, my file was : '' out of CHASE 's hands, and on the Investor 's Desk, waiting for an approval. '' However, on XXXX/XXXX/15 another CHASE Escalation Manager called, stating that : " CHASE have received your most updated package submitted on XXXX/XXXX/15, and will send it to the Underwriting Department for the Final Review either today or tomorrow ( XXXX/XXXX/2015 ). More significantly, CHASE issued a Letter on XXXX/XXXX/2015 stating in it that there are documents " NOT YET RECEIVED. '' Yet, on XXXX/XXXX/15 CHASE made a FINAL DECISION ANYWAY ( despite lacking the most updated package of information ). Because space is limited, so I will stop here. | ||||||
| 06/09/2023 | Yes |
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| In XXXX, my wife and I booked flights and hotels for a holiday in XXXX XXXX and XXXX XXXX to celebrate our anniversary. I booked everything using my Chase Sapphire Reserve credit card ( ending in XXXX ), and used a combination of Chase Ultimate Rewards points and cash to pay for the reservations. I work for the XXXX XXXX and am hyperaware of visas and other travel restrictions. My wife is a XXXX citizen and a XXXX XXXXXXXX XXXX XXXX who I sponsored to XXXX here on the XXXX XXXX. We have been to ten countries together and like our other trips and anything related to immigration, we thoroughly researched the entry requirements for XXXX XXXX XXXX into XXXX. Not once did it come up that my wife 's XXXX XXXX XXXX, XXXX XXXXXXXX, is not recognized by the XXXX government for entry into the country. We only found out this restriction at the airport, while trying to check her in. She has used this extension to apply for three XXXX visas and to re-enter into the the States four times since she XXXX. For more information about what happened, please refer to this video I made : https : XXXX As soon as we found out my wife would be denied entry into XXXX, we canceled our United XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fortunately, United issued a credit, which was fine for us. I then called Chase Travel to have them assist me in getting refunds for our hotels and a flight within XXXX. Despite Chase purporting to offer broad travel assistance and coverage, they did not secure a single cash refund. They only credited me XXXX Chase points as a " goodwill gesture '' out of the XXXX points I used. Furthermore, Chase Travel customer service agents have been blatantly rude, disrespectful and unhelpful, not only for this trip, but for another trip my wife took to XXXX. Specifically, Chase Travel customer service agents : - rarely return phone calls. I had to follow up six times in three days, only to hear they did not get any refunds. - delay communication with vendors. They seem to use the same contact form and general hotel concierge number to call about reservations. In two cases, this allowed the hotel to delay communication for three days, after which they said it was too late to issue a refund. - do not write anything down. I had to explain what happened on our XXXX trip five times to five agents, which slows down communication and resolutions. - continually and maybe purposely misgender me. I am a XXXX woman with a deep voice married to another XXXX woman. I correct the agents every time they refer to me as " sir, '' but they keep making the same mistake, which creates a stressful situation for me. Calling Chase is the only listed option to resolve travel issues. - use inconsistent verification methods. One benefits agent forced me to say my entire credit card number out loud in the crowded airport instead of allowing me to use another verification method, even though I was transferred to her from another Chase agent. - do not completely follow through. I asked three Chase travel agents to cancel an XXXX flight so I could file an insurance claim. I booked the flight through Chase and could not cancel it on my own. Chase did not cancel the flight and I continued to receive flight notifications. - Inconsistently award points for travel disruptions. I was credited XXXX points on a hotel reservation my wife made in XXXX because the air conditioning didn't work well and Chase did not secure a partial refund. They issued me XXXX points for the many mistakes they made on our XXXX trip and for misgendering me constantly. Additionally, the Chase travel portal is not well maintained, lists prices that are significantly higher than other websites, and often crashes mid-booking. Once I have a resolution to my refund requests, I am closing my Chase Sapphire account that I have had for 15 years and on which I have spent many hundreds of thousands of dollars. | ||||||
| 05/21/2020 | Yes |
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| Good evening, I applied for Chase Explorer Business explorer card with my XXXX XX/XX/2019. I was enticed and fell victim to the " mileage reward '' because I had to travel for business that summer and could use the miles. What was a bit deceiving was having to use a specific amount in order to receive the " bonus '' miles. I have a personal Chase explorer card and it has been a pleasure. However, this one has been a nightmare. The initial plan was to charge the $ XXXX required to obtain the miles and pay it off as I was aware of the variable 24.9 % interest rate that I thought would go down with on time payments. Fast forward to XX/XX/2019 and here in XXXX I had a terrible natural disaster by the name of Trop Storm Imelda. It was federally declared a disaster by FEMA as of XX/XX/2019. 43 inches of rain fell and one of my rental properties flooded. Completely wiped out my reserves on repairs and loss of rental income as I still had to repay mortgages at the end of the disaster 90 relief. I started to call Chase Business second week or so of XXXX because the repairs exceeded my reserves and I found myself using this card to help with repairs. I explained that I was experiencing a serious hardship and come a month or two I was not going to have the min payments that continued to require of me. Every payment had approx {$350.00} of pure interest every month! I begged them to help with anything they could specifically lowering the interest rate and the refused numerous times that I called. All they would do is refund me two late fees of {$39.00} prior to Covid. I went on to explain to them that my initial plan was to payoff this summer then I was hit with a huge storm. They would constantly insult me telling me that looks like I went on vacation and should have the money and basically I must be lying. I told them I had pictures and expenses to prove it. Since XX/XX/2019 I have called numerous times to get my situation resolved and every time I had to have a Supervisor " Call me back '' there was NEVER one available! No one ever called back only collection calls of which EVERYONE I spoke with in customer service or calls were just incredibly rude and just flat out horrific. Such a prestigious name in banking shouldn't hire or train this way. My home and rental property flooded and I had a loss of rental income and depleted my savings repairing. Little did they know that I took a trip for WORK I had gotten my XXXX XXXX and hadt o go to XXXX for a training!. It was despicable how I was treated. The interest is constantly so high I can not breathe it is constantly over the limit even when I have paid approx $ 8k! I have not used this card in 6 months or more and it is still over the limit despite me forking out over $ 2k in the last 4 months and no income with COVID! It is appalling to me that NO ONE here will treat me with respect because it is a business card??? XXXX XXXX individuals are people too! Mypersonal Chase Card has NEVER treated me this way! To add insult to injury they never reported me in good standing to my personal credit before I miss 1 month and immediately at missing this month they reported me 60 days past due and over the limit to my personal credit and have RUINED ME during this pandemic! The executive office complaint stated they had no record of my calls and only 1 in which I was offered a hardship plan, I asked where this call was?!! I want to hear this call! I want to make a reasonable resolution, but need my personal credit corrected and this removed! At this point are leaving me NO CHOICE but to stop paying them! They have already ruined me and not paying them anymore won't make it any worse! I called AGAIN today and had to " request a callback '' for a supervisor even now during Covid it was the same in XX/XX/2019! no one ever does their job here no one returns my calls. This is a HORRIBLE experience and I need help please. | ||||||
| 04/02/2018 | Yes |
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| I requested on XX/XX/XXXX for my account to be closed via secured messaging. I was told I had to call the bank customer service. I did that and was told the account would be closed. I log into the account a few days later and see transaction activity in the account and where Chase has reversed some credits without my knowledge causing the account to go into a negative balance position. So I immediately called to see what happened to the account since there was no activity initiated by me that would cause this to happen. I made arrangements to remove all excess funds from the account so it will be XXXX for the closure. So I was told that Chase allowed another bank XXXX post credits to my account after I'd already reported them for fraudulently activity closing out my debit card and everything so when they allowed the XXXX to reverse their two debits to my account Chase then reversed their credit to my account which caused all of this confusion. So I called Chase Bank customer service on XX/XX/XXXX and informed them that I will fund the account in the amount of {$50.00} to bring the account to XXXX so my request to have the checking account can finally be closed. The transaction number # XXXX shows the transfer initiated onXX/XX/XXXX and completed successfully XX/XX/XXXX but for some strange reason Chase is not reflecting this balance in my account on XX/XX/XXXX or today XX/XX/XXXXbut it allowed a random deposit be posted to my account for {$8.00} be posted to my account now bringing the balance to $ XXXX. Now in meantime I'm calling customer service and not one representative can explain to me why this has happened and I was told on XX/XX/XXXX that only one person in Chase Bank - XXXX XXXX at XXXX ext. XXXX can explain why my transfer is not showing up and why the account has been closed yet as requested. I found this incredible to believe and requested to speak to a supervisor and she took my internal complaint and reiterated that someone I've never had contact with before is the only person that can explain why my account is still open with selective transactions being posted to it. So onXX/XX/XXXX I called XXXX XXXX 4 times starting with XXXX CST because on XX/XX/XXXX I was told she was on pacific time. I left about 3 voicemail messages and no response. So I called customer service at General inquiry XXXX yet again and explained the entire dramatic account of what I've endured to get this account closed and once again the customer service rep had no answers for me but he did acknowledge that it made no sense for the account to be open still and he also informed me that my transfer deposit of {$50.00} was rejected. Now I'm not sure why that would be if the account was made to go negative after my request to close it but Chase rejects a deposit to bring the account to XXXX. This appears as a long drawn out attempt to keep me as a customer but I'm not interested in playing any games with Chase and I want them to honor my request to close this account and accept the deposit that was completed per their records so we can end this business relationship once and for all. I've also noted that none of these customer reps give their name, number or email address to follow up on the claims made during the recorded calls. I have each and every secured email message and I have a screen shot of the completed transfer and the balance on XX/XX/XXXX and XX/XX/XXXX. Excerpt from secured email messages : " - If your account balance is negative, please make a deposit or transfer to bring your balance to XXXX as soon as you can. " - I did this but Chase has taken not processed transfer to my balance. " - You can continue to make deposits and transfers into your account at the ATM, online, by phone, or at any of our branches. " - Apparently this isn't true because Chase Bank refuses to reflect the balance on my account after the {$50.00} transfer completed. | ||||||
| 07/22/2017 | Yes |
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| It has been stated that J.P. Morgan Chase acquired mortgage deeds in a deal with the FDIC from Washington Mutual. My mortgage was taken out with Washington mutual in XX/XX/XXXXafter a predatory lender convinced me to refinance from a legitimate XXXX XXXX mortgage that originated in XX/XX/XXXX. Based on their claims, J.P. Morgan Chase is the creditor on my mortgage. Although I disagree, I will for the purpose of this complaint agree with the premise. I am enclosing the J.P. Morgan Chase response to my recent complaint to which they failed to answer with any substance. They did not answer the questions in the complaint at all. ( See CFPBXX/XX/XXXX in attachments ). In their response, they indicated that I received a notice that the loan was transferred. They provided a printout of a letter which they allegedly sent me, however it has matching barcodes to the current letter they sent me as well as other coding specific to my situation. There is no proof that they have provided meeting with such a letter and I maintain that they did not. J.P. Morgan Chase completed fraudulent documents in the state of Louisiana which were subsequently filed in the XXXX XXXX County recorder 's office regarding my property. I am enclosing those fraudulent documents in this complaint. In an effort to remove themselves from culpability, J.P. Morgan Chase has hired a debt collector named XXXX XXXX XXXX to attempt to collect a debt that does not belong to that under the law. On or about XX/XX/XXXX J.P. Morgan Chase filed a fraudulent substitution of trustee in the XXXX County recorder 's office signed by two individuals who can not be located as employees of J.P. Morgan Chase. Further, the notary is a known Robo signing and has also represented herself as a vice president of the either XXXX or Chase in the past. On or about XX/XX/XXXX J.P. Morgan Chase ( or a division thereof ) executed another fraudulent document entitled " Gap Assignment Deed of Trust '' with another false vice president. I contacted the notary in this case who told me she was an employee of Chase at the time of notarization. I asked her to provide me proof of the existence of the vice president who stood before her and she stated she would not and when I pressed her further she contacted the Chase litigation department. The Chase litigation department provided me no proof of the existence of this vice president or any identifying documentation. I filed a complaint against the notary for not providing evidence with the state of XXXX Atty. Gen. 's office. In XX/XX/XXXX, once again under the direction of J.P. Morgan Chase XXXX manufactured a new substitution of trustee document by having two employees both identifying themselves as foreclosure specialist. The second employee who identifies herself as a notary in this case identified herself as various other titles however her linked in states that she is a foreclosure consultant with XXXX. This creates an unenforceable document in the state of California as the notary has a conflict of interest in that she receives compensation as a result of her notary activities. J.P. Morgan Chase does nothing to provide any evidence that a mortgage on my property is assigned to a security under XXXX XXXX. They do state in one sentence that it is, however they offered no explanation as to why my mortgage is not part of the security they name, nor is any mortgage located in the state of XXXX. This is just the beginning of these egregious fraud continued by Chase. Although they attempt to remove themselves from the activities of the servicer whom they contracted, the servicer continually violated the XXXX homeowners Bill of Rights. In fact, in that they attempted foreclosure while I was under modification review, and have yet to provide me with information so that I can appeal my rejected XXXX Tier II modification, they are still violating the homeowners Bill of Rights. | ||||||
| 12/01/2016 | Yes |
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| On XXXX XXXX, 2016 I received a call from the chase Fraud department asking for me to verify my identity before they could tell me the purpose of my call. After multiple attempts of doing this, the representative told me that her system was down and that I could call the department directly. I then called the Fraud department and spoke with a total of ( 3 ) representatives one of which was a supervisor for approximately 2 hours and 6 minutes to no avail. Finally, when the last department I was forwarded to, actually told me that they could n't give me any information as to why their department was handling my account ( spoke to XXXX in the Card Review Department ), she did tell me that for whatever reason both of my credit card accounts were now under review for " credit risk '' reasons. I asked her what that meant and what it entailed, and she told me that her department goes in to my credit report, matches whatever information, and then decided essentially if I am credit worthy to continue to use my accounts. Now, you have to factor in my pay history on these accounts and the fact that XXXX of them my credit line was increased from {$1000.00} - {$2500.00} for " credit worthiness ''. I also received an additional card just last month obviously based on credit worthiness. Even though what I have stated so far is concerning and that at any time without even telling me Chase can shut my cards down. This bigger concerns are what I was told from XXXX, the representative from this department : 1 - I can not make payments or do anything regarding this account until the review is completed which will take up to 10 calendar days. This is concerning because I have a payment due tomorrow, I have never been late on any payments, quite the contrary my pay history is impeccable. Also, because it is now frozen and I ca n't pay my balance, it will now be reported as over the balance and will absolutely destroy my credit. 2- Chase can not prevent me from paying my credit card and then in turn report information accordingly to the credit bureau 's. That is simply illegal. I conveyed to XXXX that I was wanting to dispute a charge of $ XXXX that was recently applied to my account from XXXX . I told her that it was not authorized by me and that at the very least would they allow me to dispute that charge? She said unfortunately they can not. 3- I asked XXXX if there is any documentation I can send her, or that I could go in to any branch and supply whatever documentation chase might need in order to alleviate whatever concerns they might have. She said unfortunately it was not an identity issue but rather a credit worthiness issue. I then explained to XXXX that Chase can not prevent me from even making a payment and then in turn reporting inaccurate information to the credit bureaus. She essentially did n't care and certainly did not understand my concern. 4- I personally do n't care how long Chase wants to review my accounts. At this point, because of the horrendous and in fact illegal customer service protocol, I do n't even care if these accounts stay open. What I do care about is Chase not reporting to the credit bureaus until their review is completed and I have been given an opportunity to make a payment on my accounts, especially the Amazon card which is to have a statement cutoff of XXXX XXXX. My previous pay history will tell you that I make multiple payments a month and keep my utilization very low before it is reported to the bureaus. I do this to maximize my credit worthiness, see the irony here, and because I only charge what I can essentially pay off in cash at any time. This needs to be rectified immediately. Someone needs to do their job, have the professionalism and ethics required by the FCRA and call me so that we can work together to alleviate whatever this is. I feel this is unacceptable and will pursue hiring an attorney if needed. | ||||||
| 12/30/2016 | Yes |
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| Chase keeps denying my claims and is ignoring the facts presented. I am calling into question disclosure requirements set forth by the Higher Education Opportunity Act of XX/XX/XXXX. Chase claims it did not exist until XX/XX/XXXX. It is not my fault that the establishment known as Chase did not implement these h=changes in a timely manner. The loans I took were taken after that date! Further they repeatedly fail to address all my concerns. Chase did not address the non-disclosure issue I mention in my original complaint, mainly there was no mention of the possibility of " FEDERAL STUDENT FINANCIAL ASSISTANCE AS AN ALTERNATIVE TO PRIVATE EDUCATION LOANS '' which is mandated in the discloser clauses below. It was and is the responsibility ( as outline by the federal government and the governing bodies of New York State ) of the financial institution in question ( CHASE ) to disclose that information to me prior to having taken the loans in question. These contracts have been reviewed by myself, unofficial legal counsel and student financial aid offices, and neither discovered this disclosure within the application and contracts. I trust you will cancel all loans as a result of this calculated error! Below I have enclosed ( yet again ) a copy of the lending disclosures that are legally mandated : The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; FEDERAL STUDENT FINANCIAL ASSISTANCE AS AN ALTERNATIVE TO PRIVATE EDUCATION LOANS ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; FEDERAL STUDENT FINANCIAL ASSISTANCE as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. Additionally, Chase has failed to provide evidence ( as requested ) that funds for the academic period from XX/XX/XXXX to XX/XX/XXXX were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests. The fact I pay the loans in question does not mean I do not dispute them. I pay to keep my credit intact. Also, I gave XXXX XXXX, Fraud Analyst, at XXXX permission to speak with XXXX XXXX College to which she countered with : " Okay so I will close that complaint for you ''. Again I do not want to be forced to seek legal counsel as affordability is an issue ; however, if my hand is forced. | ||||||
| 10/18/2023 | Yes |
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| To Whom it May Concern, As a part of a XXXX between my ex-spouse and I, I was to assume the mortgage on my residence, for which the loan was previously in his name only. I originally contacted Chase Bank at the end of XXXX, 2023. I was told that I would receive a loan application by XXXX mail. I did not receive the application until midXXXX. I completed the application in a few hours and returned by fax. Since that date, I have been forced to wait for XXXX mail for any documents. Each time I have received any request for information, I have immediately faxed back my documentation within a half an hour. My finances are very simple and straight forward : I work a XXXX XXXX, making ample money with my base pay to qualify to assume my mortgage. I have an additional income from XXXX XXXX. I owe no debts, paying any credit card statements off completely each month. I have cash savings and a XXXX ( k ). Proof of each of these was provided by fax as requested to Chase Bank on XX/XX/2023, XX/XX/2023, and XX/XX/2023. After a significant and unnecessarily long delay, I received a XXXX Commitment letter on XX/XX/2023. On XX/XX/2023, I spoke with XXXX XXXX, a representative from the Chase assumptions department. She told me on that date that the last pieces of information needed from me were a copy of my newly recorded deed and a copy of my XXXX 's Policy and proof of payment of the premium. I faxed both of those documents on the same date. In that conversation, XXXX XXXX advised me that the Underwriting department only had to request the Title report and that within XXXX weeks from that date- I should receive a call from XXXX Title to schedule the closing. Instead, to-date, Chase has not finished the loan processing or forwarded the loan to XXXX XXXX. When I did not hear from Chase or XXXX within the specified timeframe, I began to call for status. I informed each Chase representative that their delay in processing my loan had placed me in contempt of the XXXX XXXX in my XXXX, which gave me only until XX/XX/2023 to assume the loan. XXXX XXXX ignored my voice messages on at least XXXX occasions. Instead, due to the significant delay, Chase began requesting updated bank and payroll statements from me. On Tuesday XX/XX/2023, I was advised that because Chase had delayed the processing of my file so long, they would have to pull my credit a second time. This caused a decrease in my near-perfect XXXX XXXX, caused purely by their malfeasance and lack of due-diligence. On Thursday, XX/XX/2023, I spoke with XXXX XXXX and asked her to escalate my case to a supervisor in the underwriting department and to transfer me to that person. I also asked for a specific listing of the underwriting steps that remained for my loan, since I had been told on XX/XX/XXXX, that all that remained was the titling report. She refused to allow me to speak with a supervisor and refused to provide any specific information regarding my file. After XXXX and a half months, I have also never received a XXXX XXXX XXXX XXXX or a Statement of the Funds I will need to close the loan. I have stressed the urgency of Chase completing the underwriting and that their malfeasance has placed me in jeopardy of court action by my ex-spouse and has placed me in contempt of court. And still, I have received no answers and no aid to complete a loan which was approved nearly XXXX days ago. I am requesting a formal investigation into this process and I am begging for your assistance to expedite this matter so that this loan can be closed as soon as possible. I am also formally requesting that Chase bank remove their second " hard credit check '' from the XXXX credit bureaus, in order to restore my XXXX XXXX. Please contact me at XXXX for any further information you may need to investigate my complaint. I will provide any needed documentation at your request, once an investigation has been opened. | ||||||
| 04/14/2017 | Yes |
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| On XX/XX/2017, I withdrew {$220.00} from my Chase checking account at one of its ATMs. The ATM, however, took back the money before I could take it. I then received an ATM receipt that stated " We could n't dispense your cash. '' Given this, I did the transaction again just a couple of minutes later and was successful. I then realized that my account had been debited for both transactions in the total amount of {$440.00} despite that I did n't receive the funds from the first transaction. I immediately called Chase and was told that I needed to file a " claim '' to get the funds from the first failed transaction returned to my account. I then spent the next two hours on the phone with various individuals at Chase trying to get the money returned to my account. I eventually spoke with " XXXX '' who stated he was a supervisor or senior account specialist in the Chase claims department. He assured me that he had taken the necessary action to have the {$220.00} placed back into my account. Another Chase representative also provided a credit to my account in the amount of {$8.00} as reimbursement for a cash advance fee that I was forced to incur in order to withdraw money from my account because the ATM erroneously reported that I had withdrawn {$440.00} already instead of {$220.00} and, thus, any additional withdrawals in excess of {$60.00} were prohibited because it would cause me to exceed the daily maximum withdrawal amount placed on the account by Chase. Later on XX/XX/2017, I signed into my online account with Chase and saw that, in fact, my account had been credited with a deposit of {$220.00} and another for {$8.00}. Inexplicably, on XX/XX/2017, I received a text notification from Chase that my account was overdrawn. This did not make sense to me since I had sufficient funds in the account to cover all debits or charges that were posted or scheduled to be posted. When I signed back into my online account, the {$220.00} and {$8.00} deposits that were made by Chase the previous day were no longer there and the money was removed from my account by Chase without warning, explanation, or even notice. This has now caused my account to be overdrawn for two different debits that I previously authorized and each of those insufficient funds debits results in an additional {$34.00} charge by Chase. Chase, thus, through its own theft of my money, has benefited itself and charged me fees because of its own errors and deliberate actions. Had Chase not unilaterally withdrawn the {$220.00} that it was obligated to place in my account and did place in my account then my account would not have incurred any fee since sufficient funds would have been in it to cover the two debits that were posted to it. I called Chase again on XX/XX/2017 in an effort to have it return the funds taken from me and reimburse the fees charged to me only to get the runaround. For close to two hours, I spoke with three different people -- XXXX, XXXX in its escalation department, and XXXX in its claims department -- and received nothing as a result. No one would return the money to my account, explain to me why it put the {$220.00} back into my account and then took it back without warning, or even offer to put the money back in my account. The only response I receive was that a new claim had to be filed by me and that it would take several days for Chase to investigate and, if the investigation verified what I was stating happened, then the money might be put back in my account. In the meantime, my account continues to be overdrawn and any further automatic debits will result in add fees. It is unacceptable that Chase continues to hold onto money to which it has no right to claim and refuses to account for and remedy its mistakes and errors immediately by giving back the money which is clearly mine. If I or anyone else did the same to Chase we would be accused of criminal theft. | ||||||
| 09/23/2016 | Yes |
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| I am filing this complaint regarding my mortgage with Chase Bank. I originally had a loan with WAMU that I had had for 18 years. In XX/XX/XXXX Chase Bank took over my loan and I had nothing but problems from that point on. Chase Bank changed the monthly payment amount on my loan that was $ 6875 monthly, to {$10000.00} monthly. This caused me not to be able to make my loan payment for the larger amount. When I took my contracted payment to Chase they returned it to my bank account and then declined to accept payments after that in XX/XX/XXXX unless I paid the higher amount. I was forced to file a lawsuit against Chase Bank in XX/XX/XXXX to protect myself. They also committed insurance fraud against me to justify these higher payements, ( see attachment that shows XXXX of XXXX of these types of payments ) one for as much as {$67000.00}. They had the insurance that I was paying to XXXX XXXX returned to me ( {$3100.00} annually ), and paid insurance to XXXX for various amounts that were much larger, ( see attachment ). This was addressed in my lawsuit, which dragged on for 3 years and ruined my life. I had to spend approximately {$250000.00} to defend myself in the Courts of XXXX XXXX Country, with XXXX XXXX presiding. Ultimately the Judge ruled in my favor on XXXX out of XXXX counts to go to trial. Chase hired numerous expensive attorneys to try to take my home from me. Before my case was to go to trial, I sold the property, and paid off Chase for much more than they were entitled to by about {$200000.00} as their payoff amount was inaccurate. I sold the property in XX/XX/XXXX, ( see final closing statement from XXXX XXXX XXXX XXXX ). My case was still open and ultimately Chase Bank settled with me, ( giving me some funds through settlement ) rather than go to trial which was going to be expensive and for me unaffordable, ( see lawsuit and settlement agreement attached ). I sold my home for {>= $1,000,000} and it is now worth {>= $1,000,000} as it was in XX/XX/XXXX at the top of the market. I worked my entire life as an XXXX XXXX and raised XXXX children alone only to have my savings and home taken from me by Chase Bank, in a fraudulent and criminal way. No words can describe this horrific experience. It was so traumatizing that I developed an ulcer and was hospitalized and almost died. After all of this Chase has continued to ruin my credit with the XXXX credit bureaus, and I am unable to get a loan and my life is compromised in every way imaginable. I know as a person who could afford an attorney at the time I am one of the lucky ones that is still standing, but I am XXXX years old and I can not start over. I have lost almost everything thanks to the fraud committed by Chase Bank. On my credit reports Chase Bank shows that they foreclosed on me in XX/XX/XXXX which did not happen. As per the final closing statements, Chase gave me a payoff amount in XX/XX/XXXX that calculated interest through XX/XX/XXXX. They knew the house was sold and did not file any foreclosure against me. I can not get them to remove this from my credit reporting, which they attribute to clerical errors and confusion. And certainly they are incompetent and very confused. As well as being criminals of the first degree that should be in jail in my opinion. My life has been ruined by their false reporting and my complaint is regarding this and their fraudulent reporting that is continuing to impact my life now as it has since XX/XX/XXXX. I have been through approximately 5 years XXXX with Chase Bank, and I want everyone on earth to know about it, and what they have done to me and many others due to the bank bailout and the XX/XX/XXXX crash. No citizen of this country should have to go through this, and have to fight a bank that is so powerful. Other than the death of my mother, and Hurricane XXXX, this was the worst experience I have ever been through, with numerous obstacles. | ||||||
| 01/10/2019 | Yes |
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| This bank has consistantly manipulated my direct deposits in order to charge fees. I have an online XXXX shop with direct deposits which can have deposits one to five times a week depending on sales. All deposits are submitted to bank between XXXX XXXX and XXXX XXXX and I am sent an email stating funds have been sent to bank in addition to the money shown on the funding page of my site showing when they remove from my shop account and send to bank. When I have suffecient funds already in bank, when there would be no way to manipulate deposits and charges, checks etc Chase will deposit these direct deposits prior to any other charges EVERY TIME My bank history shows this to be consistant but when I am going to be short for a charge if the deposit is not deposited first THEY HAVE BEEN CONSISTANTLY CHARGING ME FOR ANY CHECKS OR WITHDRAWLS PRIOR TO MY DIRECT DEPOSIT. And ONLY when they can be sure to charge me a fee if they do not deposit first. Case in point is a fee I acquired on XX/XX/2019. I had apx {$95.00} available that morning. I got my confirmation from my XXXX account that funds where sent to bank at XXXX XXXXm. I had a check written to the XXXX XXXX XXXXXXXX for utilities for {$120.00} in which I know was not deposited until after XXXX to our town of apx 300 people at the small local bank. I check at apx XXXX XXXX on XX/XX/XXXX and there is no withdrawl but the deposit was shown as pending. I check again at apx XXXX this XXXX and Chase has taken the check and processed it first and the direct deposit after!! AGAIN!! But both where showing as processed. I once again, I have to do this time to time I live on SSI and my income is low and so I live hand to mouth and pray I sell something on XXXX to eat all month. I wrote them and told them to STOP CHEATING ME and manipulating. The refused to refund charge. In addition they have now moved the direct deposit not only behind check and the service fee of {$34.00} but it is now showing as pending again along with another direct deposit that was processed on XX/XX/2019 at XXXX : XXXX But I can go back, month after month, for two years and every time I have sufficient funds and there is no way to charge me a fee, my direct deposits from XXXX are processed prior to any other charges!!! This is something Chase was sued for. It is unethical and maybe not illegal maybe it is. They should not have the ability to process a deposit however they want, when they want in order to charge fees. If they deposit the direct deposit prior to charges 99 percent of time but yet don't only if they can XXXX me that is deceptive practice. I should be able to count on the fact that my direct deposits will ALWAYS BE DEPOSITED THE SAME WHICH IS PRIOR TO CHARGES not be screwed by this corrupt institution. I want my fee returned and I want this bank to be told they can not do whatever the XXXX they want when they want to XXXX consumers. I have been getting these direct deposits over 2-3 yrs now on a weekly if not daily basis. This account is established and there is no reason for them to pend the amount only in order to charge a fee but not to pend it when they can not. Please help. I have over a thousand emails showing when my direct deposits are sent to bank but I don't know how to upload and save these or to attach them below. I am in my mid 60s and not very literate on computers or social media etc. I also have years worth of bank statements online or daily records for at least several months in which you can see that when I have funds available and that there would be no way to XXXX a fee from me, they have ALWAYS deposited the XXXX direct prior to charges and that the only time this is not done is when I am short a few dollars here or there and depend on my direct deposit to be processed as it is all the other times, first before withdrawls. yet they don't and charge me fees. I can prove this over and over. | ||||||
| 10/24/2015 | Yes |
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| XXXXOn XXXX/XXXX/XXXX, I contacted Chase to apply for a mortgage. I received a pre-qualification on XXXX/XXXX/XXXX from XXXX XXXX. On XXXX/XXXX/XXXX I contacted Chase 's XXXX # to inform them I had my executed contract. After not being able to contact XXXX, I spoke with the next banker at the XXXX # to find out how to proceed with the application. I was told there was a dispute on my file and I would need to address this before proceeding. I immediately contacted XXXX XXXX regarding the dispute that I had filed in XXXX. On XXXX/XXXX/XXXX I received a letter from XXXX XXXX, addressed to the credit bureaus asking them to " remove all account information being disputed by the consumer ''. I went to my Chase branch with the document showing the dispute had been addressed and the other documents required for underwriting XXXX income proof, taxes, bank statements XXXX. I was told that XXXX XXXX, was the banker assigned to my branch and he would contact me. XXXX XXXX contacted me a day or two later. He wanted to know who gave me his name, how did I get connected to him. He said he would contact XXXX manager because he thought I should be with him. I complained to the branch manager and XXXX XXXX contacted me again. He told me he had looked at my file and saw that I had applied for a pre-qualification in XXXX, XXXX and XXXX and had not gotten a mortgage. He told me he did not think Chase would give me a mortgage. I told him I already had a mortgage with Chase and the reason for my requests for the previous pre-qualifications was because I was attempting to purchase a foreclosed home. A pre-qualification letter is required to accompany the bid offer. I was out bid the before. That was the reason I had not followed through to closure. I asked if that is not how it is done, then tell me. I had gotten the bid and had an executed contract and wanted to proceed. He asked what was the purchase price. I said XXXX. He told me I would need to put down at least 3.5 % which was about {$2500.00} and asked where was I going to get the money from. I said my savings. He said I would have to have a minimum XXXX middle score. I said I would. He said my interest rate was going to be high because the loan was under XXXX. I asked why was he trying to discourage me from getting a mortgage with Chase. He said he did n't think I could be financed and suggested I try a smaller institution. He said all of this before even looking at my credit! I insistenced on proceeding with the application because I felt he was discriminating against me. He pulled my credit. My middle score was XXXX which qualified me. I assumed the computer gave a positive because he started asking me about my sources of income and telling me the documents I would need. Then he said he did not think I would be approved because I had a dispute, and late mortgage in XXXX. I told him I had the letter from XXXX XXXX correcting the error. He told me I would still be denied an would receive a letter to that effect. I never received a denial. I received another pre-qualification. Because of the demeaning manner in which I had been treated I went back to the branch an asked to work with someone else. XXXX XXXX was assigned to me. She said if I wanted to proceed with an application I she would have to pull my credit. I agreed. After pulling my credit she put me on hold and then said she was told to ask me for my adjusted income from my XXXX and XXXX. I called her back and gave the amounts and she said I was disqualified because I had a loss in XXXX. She said I would receive a letter in the mail to that effect. I called XXXX/XXXX/XXXX and again requested their response to my application. She sent me a generic text via XXXX. I never received a denial. The only correspondence I have ever received from Chase has been the positive automated underwriting review. I have been denied the opportunity to even apply for a mort | ||||||
| 05/06/2017 | Yes |
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| Without warning, concrete reasons given or the ability to discuss the issue personally, Chase closed my credit cards accounts. The only reason they stated is that a new risk assessment showed that they would not want to continue doing business with me. - I am a Chase costumer since four years. - I have never missed a payment with Chase or any other bank. - I had never high outstanding debt or delinquencies with Chase or any other bank. - I have always paid my annual fees on my credit cards. - My credit score is in the high XXXX . - I have a steady, good, secure income. - My communication with Chase was always cordial and integer, on all channels. But despite this flawless record, Chase suddenly decided to close our relationship entirely without the tiniest endeavour to treat me like a valued costumer. At first I thought my card was blocked due to fraud alert. So I reached out the Chase via secure message on XXXX XXXX 2017. This is the response I got three days later : " Hi, Thank you for reaching out to us. Please contact us at XXXX from XXXX XXXX to XXXX XXXX ET to discuss circumstances surrounding your account. Sincerely, '' Using " Hi '' as a greeting is not very cordial. Anyway, I called the number and spoke to a CSR who made unequivocally clear that Chase is not willing to discuss the reasons that led to the shutdown or revisit the decision. Several times I asked what I have done wrong, but her answer always was that she can not discuss specific reasons. Instead she read from a script that Chase always has the right to review accounts. That is fine, but without any wrongdoing on my side and without comprehensible reasons this decision seems like abuse of consumers and their rights. My theory is that Chase deemed my business not worthwhile, because due to my responsible handling of credit I usually do n't have to pay interest or fees other than annual fees. So I am being punished for good behaviour. Chase wants to earn money with me and if the revenue is not high enough they want me nowhere near their products. I assume that the new check of my credit file came about after I was approved for XXXX new Chase credit cards. I was approved for the XX/XX/XXXX card on XX/XX/XXXX with a credit limit of {$7000.00}, which I intended to use for the activities of my small business, which I have on the side. And I was approved fo r a British Airways Card on XX/XX/XXXX with a credit limit of {$22000.00}. I have to stress that I was solicited several times by Chase via email and mail to apply for for both of those ( and other ) credit cards. I know that I already had XXXX other personal und business Chase cards, for different reasons, mostly because as someone who travels a lot professionally and privately it makes sense to carry loyalty cards from my most frequented brands. Something they let me know regularly on all kinds of marketing channels. Many of those cards happen to be issued by Chase. Had I know that another successful approval - with a much higher credit limit that I ever had and ever needed with Chase - led to a total shutdown, I would of course have refrained from applying. On the other hand, the complete automation of the process gave me no chance to discuss the product and my needs personally. But even if a check of my case led to a new risk assessment for whatever reasons, Chase would have needed to at least ask me for additional information in order to give me a chance to make my case. Instead they opted to make a drastic cut. I am confident to have strong reasons to complain about this kind of business behaviour. I am also convinced that Chase brakes the law with this demeanour, but since I am still interested in a continued good business relationship, I 'd rather find an agreement instead of testing my case in legal proceedings. | ||||||
| 12/29/2016 | Yes |
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| We have been unfairly denied a modification by Chase Bank. In XXXX we took a mortgage with Washington Mutual. In XXXX they dissolved and Chase contacted us stating they were the servicer, not the lender, and we should send payments to them. We did not receive any confirmation from WaMu or FDIC, but we accepted this paid Chase for years. Chase then offered a loan mod for no reason, not saying they held the note, by mail and we signed and returned the forms.Later, they began referring to themselves as the LENDER. We doubted this and asked for all documents pertaining to our loan. There was no claim of a lost note. We did n't believe they were the lender and fought with Chase for a year, including ceasing to pay the mortgage. The more info we found, the more we were convinced the assignment they were using to show standing was fraudulent. We never borrowed any money from Chase, and they never could produce proof they acquired our specific loan or note from WaMu via the FDIC. They began foreclosure and we responded. We lost in court as the judge was not interested in our findings. We decided to modify the loan, feeling hopeless in getting fair treatment from Chase or the judicial system. We sent in all requested documentation including pay stubs, forms, leases, etc. We were very careful to submit accurate and thorough docs and info as our property is very important to us. We submitted our app in XXXX XXXX XXXX. We fully expected to be paying a mortgage again by XXXX XXXX at the latest. This did n't happen. We kept in touch with the assigned specialist, and received confirmation that each item had been received as we went through the process. Then weeks into the process Chase claimed they were missing something we knew we had already submitted. They did this more than once and delayed the process, taking almost 5 months, and then denied us. They claimed we did n't qualify for ANY program without a specific reason or backup for any reason or decision. This helps them get to a foreclosure faster. There is significant equity in the property and we have no intention of letting it go. We have solid incomes, a stable amount of rental income. Re : credit, the only black mark we have is this foreclosure. Our utilities, credit card, car loans, etc., are all paid in full and on time each month. As the process dragged on, we be got scared as we read in our research that Chase does this to many consumers. They delay the process with repeat requests and then deny, adding months to the amount of time the consumer has not paid the mortgage, draining their equity, and then foreclose anyway. They assign a specialist, yet when you call, that person is not available and they say you can speak to anyone. We were told in early XXXX that this was complete and going to underwriting. 2 weeks later Chase called us re : a missing item saying it was not in underwriting yet and we needed to submit it. We resubmitted the item, & were told it would NOW go to underwriting and take XXXX40 days. I called on XXXX XXXX, XXXX to follow up, and was told there was a denial/decision on XXXX XXXX. We rec 'd a denial letter a week later. Must have been in underwriting for all of 1 week. Clearly this loan mod was not considered fairly, honestly, or per the Settlement Terms, and we will not accept this decision. Chase broke the law and the Settlement Terms signed on XXXX/XXXX/XXXX. Per Section XXXX, XXXX, they are OBLIGATED to facilitate modification due to a significant amount of equity in a property. They have only 10 days to let us know if any item is missing during the process, and must promptly provide loss mit options. They have to give specific reasons, calculations and factual info used in the decision. They did none of this. We wholeheartedly want to pay this mortgage and retain our property, and have the ability to do so. We should not be robbed of our house and equity by Chase. | ||||||
| 12/16/2019 | Yes |
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| My name is XXXX XXXX. Along with my wife XXXX and our XXXX children, our family resides in beautiful XXXX, California. We are reaching out for help in resolving a potential crisis regarding our mortgage. We fear that our loving home of 19 years is going to be foreclosed on very soon. As the first owners of the residence, it is the only home our kids know and love so please approach this with the utmost urgency. This pressing situation involves Chase Bank, who seem to have dropped the ball regarding the communication of our housing circumstances and options pertaining to the matter. The conventional loan in question is in the amount of {$130000.00}. We were initially able to afford the payments due on this loan until a slew of hardships came across our path. Our oldest son is XXXX years old, and is XXXX. We couldnt love him more. Due to his condition, he requires round-the-clock assistance. With that in mind, we reached out to the state to coordinate the hiring of a caretaker with the idea that my wife and I both could work full time order to cover our amounting expenses. Unfortunately, we were only able to acquire service that covered for just a few hours every other day. It was painfully obvious at that point that we could not accept that limited amount of supervision. My wife and I discussed our options and decided it best that she quit her job to look after our boy since the state couldnt help us. Consequently, our income was cut in half for this family of XXXX. Along with that cut, was also our ability to pay ALL expenses -- not least of which would be the looming mortgage. Mom was able to make a little bit of money from home during her duties of watching over our child, but it was unfortunately not enough to make much of a dent. Also on the forefront of our minds is the fact that our son absolutely loves the home. When we brought up the prospect of perhaps physically moving to something more manageable, he would not accept it and it utterly broke my heart to see his bleak reaction. How could we take his safe place from him? What if we were to explore our options? Heres where Chase Bank comes in. We reached out to talk about the avenues we could examine concerning the mortgage, taking into consideration our ever-increasing financial obligations surrounding this stressful position. We were told by a Chase representative that they could not do anything to assist us unless we fell behind on our payments. At the time, we did not know better. It seemed unconventional and a bit risky, but we were desperate. So we trusted the information and proposed plan of this professional hired by such a prestigious institution as Chase Bank. Why would we question the directions? Chase clearly knows how this works, they heard our case and advised us as best they could.or so we thought. Despite our reservations, we followed the instructions and stopped making payments, to no avail. Never did we get the modification we initially sought after. The subsequent calls we made to Chase came with fresh voices offering rotten solutions. Every call it seemed, contained a new agent with a new explanation as to why it was taking so long for the modification to proceed. Every phone dial, a new employee who promised to get to the bottom of the matter that we never heard back from. After all this, our plea for help was ultimately denied because we apparently exceeded the limit of modification attempts. Please keep in mind that the only time we had a modification prior, was in XXXX. All the calls we made to modify the loan over spring of XXXX supposedly raised our balance due to mysterious fees that came with those aforementioned attempts, which were never mentioned previously. The situation became so dire that we ended up hurriedly taking out a private loan out of frustration and desperation in order to simultaneously bring our account current and keep our beloved home. | ||||||
| 12/09/2019 | Yes |
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| On XX/XX/XXXX I Purchased a product from a fraudulent online website XXXX. The merchant did not ship the product that I ordered, they shipped out a generic item. The merchant would not correct the problem so I filed a dispute with Chase credit card services. On XX/XX/XXXX The funds were then held from the merchant and the merchant was notified of the dispute. This was my first time ever filling a dispute so a couple days after filling I called chase to see what I should do with the product and if they needed any documentation from me. The representative told me to hold on to the product and that I would be notified if I needed to ship it back or provide documentation, so I did exactly what I was told. I never heard back from Chase so I assumed the merchant never responded. On XX/XX/XXXX I attempted to purchase airline tickets using this same chase card. My purchase was declined so I logged into my credit card account to see why and it turns out the merchant did respond and did in fact win the dispute. I was never notified or given an opportunity to state my case. On XX/XX/XXXX I was rebilled for the item which maxed out my credit card, I was never notified of any of this prior to logging in and seeing it. Overlooking the dispute documents it appears I lost the dispute because I never shipped the product back, I asked both the merchant to send a freight truck for their product and also asked the credit card company if I should ship it back. Merchant refused and the credit card company said to hold on to it for now. I never used this product, it is still sitting in its original box brand new and untouched. I called Chase in attempt to re-open this dispute, I was told to send a secure message explaining my case. I then sent a secure message and did not get a response, so the next day I sent two more messages. On XX/XX/XXXX at around XXXX I called Chase back and spoke to XXXX a supervisor in the dispute department. XXXX was very rude and inconsiderate, he didn't care that I wasn't notified and told me there was nothing he could do to help my dispute. The notices and letters document states that I lost the dispute because I did not return the product or make arrangements to have the product picked up. I called and asked Chase if I should return the item which would have been on a recorded line. I also asked the merchant to pick the product up multiple times through email. The email chain is PDF file bagger, Chase Bank had a copy of the email chain because the merchant sent it in their statement. An explanation of what happened between the vendor and I With the intention of buying an XXXX XXXX grass catcher for my lawnmower I XXXX the exact part number I needed XXXX. I then came upon this website XXXX which in itself is decieving as it markets itself as the actual XXXX manufacturer parts website. I thought Perfect I will purchase directly from the manufacturer so I added part number XXXX to my cart and completed my purchase. Within a few hours I was contacted by the vendor and was asked for my mower model number. When I spoke to the vendor I was surprised to see that I wasn't purchasing directly from XXXX. I was reassured that the vendor is a genuine XXXX parts dealer and that I would be receiving the genuine XXXX part that I ordered so I went through with the order. What was shipped out to me was a generic grass catcher made by XXXX. As soon as it came in I contacted the merchant about this mistake, they then proceeded to lie and make stories up about what I ordered. The price of the generic bagger they sent me was {$100.00} less than the bagger that I ordered and paid for. Once I pointed that out to them they changed the price on their website, this is well documented in the email chain that is attached. There are pictures of the original website pricing and also pictures of the owner 's manual of the generic part that was sent to me. | ||||||
| 09/13/2017 | Yes |
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| I submitted a complaint about my mortgage interest rate in XXXX of XXXX. I was at the end of my mortgage and Chase Bank never sent a letter about me owing additional funds when my loan met it 's maturity as of XXXX XXXX, XXXX. This complaint was investigated and it came to my attention that Chase did not own my mortgage but XXXX XXXX who brought it in XXXX and recorded it in XXXX. Chase refused to tell me who they were servicing the mortgage for because XXXX XXXX XXXX no longer exists. Chase owns no NOTE, no proof of ownership of my home. They did NOT record an assignment, Chase said it was not necessary ( from their lawyers ), for my mortgage and mentions nothing about who could write a satisfaction of mortgage upon payment. No signatures from XXXX or anyone else. I asked why 30-90 days prior to my maturity note ended did I not receive a letter of owing the balance on my note. Today XXXX/XXXX/XXXX, after months of waiting, I received a letter telling me in XXXX they sent a letter informing me of my mortgage amount due in full, which did not contain any vital information about amount due. This was BACK DATED by the bank and sent to the address not on file. This is a deceptive move on Chase 's account. Chase can not prove they sent the letter. There was no certification number or proof of this back dated letter. And the letter never stated the amount that was due. I had to send a request to get the amount the letter said. All the conversation with Chase 's employee and NO Mention of this letter that " I '' asked why I was not sent. My main concern was, If I paid this last amount off {$6200.00} which Chase can not prove I owe, will XXXX XXXX who is on my title and the last bank of record, could come later and request payment after Chase is paid off. I did not miss a payment or get a late fee. I was unable to get refinanced because Chase, for 16 years never paid the county of XXXX the fees required for recording an assignment, so my title does NOT show Chase on it. So, I was unable to refinance this crazy 13.70 % loan. I pursued this for years and decided to just pay this off. Now Chase refuses to prove ownership. Chase can not write me a satisfaction of mortgage because they can not take XXXX XXXX off my title, since they are not servicing my mortgage for XXXX XXXX. This I was told by XXXX 's representative. I am being robbed and I am going to do what is necessary to not be stuck with a mortgage satisfaction that does not remove any thing from my title. Chase is trying to backdate a mortgage assignment. They claim in XXXX XXXX XXXX gave them an assignment for my mortgage, but XXXX XXXX did not buy my mortgage from them until XXXX. How did they get it in XXXX. This is the question I asked and received no answer. Now Chase is trying to sweep the fact of ownership under the rug and just address the amount due them. It is apparent to me that Chase should not have been collecting money from me since XXXX, and they know it. The loan was originally from XXXX, Chase took over in XXXX it was sold to XXXX XXXX in XXXX. Since I was paying Chase and not the party of title I could not get refinancing. This is predatory lending trying to keep me paying 13.70 % in a low precent enviorment. My credit union said they would refinance me, but my mortgage was clouded by Chase Bank because XXXX XXXX was on my title and NOT Chase and Chase was not the servicer for XXXX XXXX. By the way, I sent Chase a copy of a title search from my Credit Union with the company who did the title search, I gave them Proof of them NOT being on my Title search. Now they are asking again for more proof in this last letter. I brought 2 cars worth more than my house from my credit union for 5 %, why would I stay in a high mortgage if I was not FORCED to. My mortgage note has a maturity date of XXXX/XXXX/XXXX. No extension, no anything Chase turned my 15 year mortgage to 20 years. | ||||||
| 06/07/2017 | Yes |
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| After depositing {$150000.00} in XXXX - XX/XX/XXXX2016, ( some of which we managed to have returned to us through our own efforts ), into an overseas trading platform that turned out to be a scam, we disputed the charges with Chase, as we never received what we had paid for. Chase strung us along and closed the dispute twice after which the Executive Office reviewed it, admitted we were correct and told us it was too late. We opened a complaint with the CFPB ( Complaint # XXXX ) and Chase responded, once again ignoring the glaring facts and blatantly disregarding valuable information to our case. Below is our complaint against Chase. 1 ) Chase sent us copies of all of the paperwork that they based their decision off of. It was dishonest of Chase to neglect to include the contract which states that our final deposit of {$100000.00} would not be included in the original bonus agreement and the funds would be liquid and available for withdrawal at any time. This is obstruction of justice on Chases part. Additionally, XXXX did not live up to any of the other terms that are stated in the legally binding contract. Chase was told on the phone by a representative of XXXX that the funds would be refunded. The funds were never refunded, and Chase never followed up on it. 2 ) If the reason Chase neglected to include this contract in their files is because Chase does not wish to recognize XXXX emailed contract as legally binding, then Chase needs to acknowledge that they are giving credence to a lying, scheming, dishonest company who made a worthless agreement with us in order to defraud us. 3 ) Chase claims we agreed to a contract. This contract includes that we would be able to trade currencies on their portals. Their portal is not a portal. Its not in real time. It is fake. They did not live up to their side of the terms at all. Therefore, the contract is not legally binding because of fraud in the inducement. The reason why this is fraud in the inducement is because XXXX told us we would be making trades and the understanding was that this would be on a real-time portal on the actual market. In fact, its their own portal which they control in order to cause you to trade away your money. XXXX intent is to mislead unsuspecting consumers. We would have never entered into a contract with this merchant had we known that they were a dishonest and fraudulent company who was selling a fake portal. As soon as we realized, we contacted Chase who was very unhelpful and uninformative regarding how to get our money back. 4 ) Chase asked us to submit proof from a financial professional that the portal was fake and that XXXX XXXX obligations were not met and therefore the services were not rendered. We provided the necessary information ( proving how XXXX was manipulating the numbers and the portal was not in real time ) and Chase said that the information was sufficient but it was too late. This is not in accordance with what they had told us earlier. 5 ) XXXX did not abide by their own contract and the representatives at Chase told us straight out that theyre a dishonest company and many others have had similar problems. If this is the case, then this company should not be allowed credit card privileges and Chase should not have allowed our charges to go through in the first place. 6 ) It is laughable that Chase claims the contract is legally binding, when it was no problem for XXXX XXXX XXXX who immediately recognized the credence of our complaints to withdraw the money we charged on their card directly from XXXX. 7 ) Chase had clear intent to misguide us through the disputes process until it was too late so they would not lose money. 8 ) Chase is guilty of conspiracy and accessory to theft for validating and upholding fraudulent contracts and a fake business. Chase took advantage of us because they knew we would be powerless against their large corporation. | ||||||
| 01/08/2017 | Yes |
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| Chase Bank issued me a credit card. Subsequently, Chase Bank violated the FCBA by, among other things, lying in writing, lying during a telephone conversation, manipulating the " billing error claim '' process, complicating he " billing error process '' so that a person with average intelligence could easily be confused, and more. 1 ) I disputed a credit charge using chase.com. Chase called me & left a message. I called back & was told that she called only 2 tell me that she acknowledge receipt of my dispute. XXXX XXXX sent me a letter dated XX/XX/XXXX asking for " additional '' information but the letter asked 4 the same info I gave at chase.com. This letter stated that " if we do n't hear from you, we will continue to investigate ''. I discovered on XX/XX/XXXX, after talking with XXXX that she closed my dispute on XX/XX/XXXX because she did not hear from me. 2 ) XXXX told me that her investigation involved her only making a phone call 2 the merchant & getting merchant 's response by telephone. XXXX told me that chase received no documents from merchant. Therefore, I could not c merchant 's response & could not respond intelligently 2 it. 3 ) XXXX told me that the merchant told her that it was able to " XXXX '' however my complaint clearly stated that the merchant failed to provide a XXXX. Yet, XXXX clearly ignored this fact & found in merchant 's favor only cuz merchant told her that it performed a service that I clearly stated that I did not request. 4 ) In addition 2 this letter from XXXX, she also called me about 3 times during holidays & left voicemail messages. So the billing error claim process has become telephone harassment accompanied by requests 4 info already provided & classifying a phone call 2 the merchant as " investigation ''. XXXX attempted to provoke me on the telephone 2 provide information that I already provided which is confusing. It seems as if the multiple telephone calls are designed 2 impose extra burden on the customer ( 2 make the process as laborious as possible & 2 discourage customer ), 2 confuse the customer by repeatedly asking 4 the same information & 2 attempt 2 manipulate the customer 's words 2 twist words 2 find against the customer. 5 ) XXXX lied 2 me & said that the nature of my online complaint classified my billing error claim as 1 type of claim whereas my words over the telephone changed that classification ( which makes no sense cuz My online complaint & words by telephone were the same which leads me to believe that XXXX was trying 2 manipulate my words & cause confusion. ) 6 ) XXXX told me that her reason 4 asking 4 more info was to " document '' my claim as if my online claim did not function to " document '' my claim. 7 ) I told XXXX that she was not following the FBCA. She said that she was following XXXX & Chase procedures - especially in reference 2 her statement that she closed my claim on XX/XX/XXXX cuz I did not respond XXXX her letter dated XX/XX/XXXX ( see above ). XXXX told me that I could " re-open '' my claim despite the fact that it should not have been closed in the XXXX place. 8 ) At 1st, I could not find XXXX 's letter. I received it on about XX/XX/XXXX & had not yet replied 2 it but could not find it when I was talking 2 XXXX. I asked her 2 fax it 2 me. She told me that she could not fax it 2 me, could not email it 2 me, and could not mail it 2 me again but that I could " re-open '' my claim at chase.com 9 ) at XXXX, it shows that the billing error claim is still open so there is no way to " re-open '' it. XXXX then suggested transferring the phone call 2 tech support so that someone could help me " re-open '' the claim online ( by walking me thru the process online ). ( I subsequently found XXXX 's letter & responded. ) There is only 1 way 2 classify XXXX 's actions which is 2 confuse, harass, & discourage the customer & 2 deny customer the full benefit of the FBCA. | ||||||
| 02/01/2016 | Yes |
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| I began repaying my private loans with JP Morgan Chase in XXXX when I graduated. At that time, I was making approx {$28000.00} annually with a monthly obligation to Chase of roughly {$750.00} - a lump sum for XXXX student loans. I called Chase several times between XXXX and XXXX to gain assistance, stating I could not afford the monthly payments. Chase offered no assistance and I subsequently suffered negative impacts to my credit file for just shy of 3 years ; my loans were consecutively in a state of pre-chargeoff. It was not until XXXX XXXX that I was granted a temporary forbearance for 3 months, and in order to gain the forbearance I had to bring the account current by making 2 months worth of payments. To afford the forbearance, I had to take out another loan against my XXXX which I recently paid back in full within XXXX. Once Chase moved to servicing powered by XXXX XXXX XXXX, I was finally able to utilize other options. Unfortunately, those options have come at a deceptive price. I spoke with an agent in the late summer of XXXX to discuss relief options. The agent spoke of a forbearance option and when applying for the forbearance, the agent asked how long I would need relief so I stated I could begin repayment in XXXX XXXX. The agent submitted my information then advised my request was denied. When stating the request was denied, the agent went on to say it was denied because forbearance is typically only granted for 3 months. I inquired why the agent did not advise the 3-month limit prior to my submission, because knowing I could only qualify for 3 months would have assisted me to successfully gain an approval. The agent stated I could re-apply the next day. Frustrated that I was deceived in the application process, I asked to speak with a supervisor. The supervisor that I was then transferred to addressed me with clear disdain and indignation and immediately stated that I needed to call back the next day. I eventually called back and was able to gain a 3 month forbearance. It was during the callback in which my request was granted that I was advised of more repayment options. The agent that processed my successful forbearance application spoke to me about a longer forbearance period that I could potentially qualify for if I completed a reduced payment plan first. Once my forbearance ended, I called XXXX, in XXXX XXXX, to inquire about the reduced payment option and applying for a longer forbearance. The agent indicated that in order to qualify for an extended forbearance, I had to complete a reduced payment plan first. The payment plan I was offered cut both student loans in half which was a huge financial relief. The agent went on to advise that in order for me to qualify for an extended payment plan, I had to complete a temporary reduced payment plan first, for 3 months ( XXXX - XXXX ). I agreed to the short-term reduction. When realizing my payments were behind, I called AES on XXXX/XXXX/XXXX and made all payments needed to bring the account current. After scheduling my payments, I inquired about additional assistance because I knew my payment plan was nearing end. At that time, the agent, XXXX, advised that I needed to fulfill XXXX consecutive payments at the normal monthly rate ( approx {$740.00} ) before I could qualify for another reduced payment plan. It was at this time that I stated I was not advised of this information in XXXX. The agent apologized and stated I should have been advised of that information. The agent also went on to state that in XXXX, I could have applied for a long-term reduced payment plan to which my payments were reduced 50 % for 6 months and then 75 % for another 6 months, and that I did not have to do a temporary reduction first. Frustrated and deceived once again, I asked to speak with a supervisor. She apologized and stated nothing could be done and that the call from XXXX could not be pulled. | ||||||
| 09/18/2019 | Yes |
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| I received an email notification from Chase Fraud on XX/XX/2019 at XXXX asking if I used my card at XXXX XXXX for the amount of {$6400.00}. Simultaneously, I also received a text message at the same time asking the same thing. I did not respond until I received the same email/text notifications at XXXX. This time, I responded to the text message with " NO '' and clicked " NO '' on the email. I received an auto respond text message in response to my " NO '' saying that my card can not be used until Chase speaks to me. Additionally, there were other charges other than the {$6400.00} one for the amounts of {$10.00} and {$250.00} on the dates of XX/XX/2019 and XX/XX/2019 respectively. When I initially called Chase, they told me that they would look into this and that it appears that the large value purchase was made online. Subsequently, When I called to speak to Chase about these in another call, they said that they would refund the latter 2 charges but would not refund the amount of {$6400.00}. I told them that I had not purchased the items they listed in the order pertaining to that amount. I also had not received any items from this fraudulent purchase. I also mentioned that I had made a purchase for similar types of items for a different amount {$2700.00} on XX/XX/2019. I reviewed my credit card statements and noticed that the XXXX XXXX purchases that I've made in the past have a certain merchant ID associated with them ( XXXX XXXX XXXX XXXX ) and that the fraudulent charges have a different merchant ID ( XXXX XXXX XXXX ). Upon doing a simple XXXX search, it came up that the fraudulent charges came from XXXX XXXX Illinois. For reference, my local XXXX XXXX that I frequent is located in XXXX XXXX, California. In another subsequent call to Chase, they had asked me if I had any supporting documents to support my claim. I initially told them I didn't have any supporting documents ( I didn't know what to provide them since I've never dealt with anything like this before ) and they decided to decline the fraud. I've since called them again to provide them with my purchase history, via email, for XXXX that shows that I have not purchased anything in the month of XXXX for any of the three values shown above ( {$6400.00}, {$10.00}, or {$250.00} ) as well as my member ID which, from what Chase told me, was different than the one pertaining to the fraudulent order. As my worries grew, I decided to give Chase another call. This time, I was conferenced in a call between Chase and a representative at XXXX. At this point XXXX went on to show that the items in the fraudulent order were delivered to an address unrecognizable to me and that a phone number was provided which I didn't recognize as well. The name on the order was the same as my name but there was an additional " a '' tacked on to the end of my first name. The XXXX representative also stated that the order, because of the way the first numbers of the order # were structured, showed that the purchase was made in store. At this point, with the information revealed through the three way conference call, Chase said that they have all the information they need for this investigation. I will attach the following two items I've previously sent to Chase upon request : 1 ) My purchase history from XX/XX/XXXX to XX/XX/2019 2 ) A receipt from a purchase on that purchase history XX/XX/2019 that shows my member ID ( since the purchase history doesn't show it ). Since the receipt has personal information in the form of my name, I will not attach them at this time. I'm submitting this complaint because they have previously denied my claim twice and I want to make sure action is taken. I'm worried that the integrity of my credit will be damaged and I don't want to be responsible for a charge that I never placed. Thank you for your time to read this complaint and any assistance you can offer. | ||||||
| 07/25/2016 | Yes |
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| I have been disputing XXXX unauthorized charges on my Chase Southwest Credit Card since XX/XX/XXXX. I have contacted Chase multiply times during the past three years with regards to my dispute, providing Chase with extensive details as to why the charges are invalid. Chase has been fully aware that the merchant XXXX XXXX ( XXXX ) charged my credit card PRIOR to XXXX making me aware of the charges or what the charges represented. BACKGROUND : After receiving my XXXX XXXX credit card statement, I saw where XXXX charged my card on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX to inquire about the charges and XXXX faxed the invoice to me on XXXX/XXXX/XXXX. ( As noted on the enclosed fax cover sheet. ) By reviewing the invoice, it was clear that a billing error occurred. However, XXXX was unwilling to credit my account, and therefore, I contacted Chase to make them aware that I was disputing the XXXX/XXXX/XXXX and XXXX/XXXX/XXXX invalid and unauthorized charges. In XXXX XXXX, Chase found in my favor on XXXX of the XXXX charges and credited my account accordingly. When never hearing from Chase regarding the status of the second charge and realizing the charge had remained on my account, I called Chase XX/XX/XXXX to inquire. A Chase representative informed me that Chase only worked on XXXX of the XXXX disputed charges ; and therefore, I needed to contact Chase in writing to reopen the dispute regarding the XXXX charge, which I did on XXXX XXXX, XXXX. A few months later, I contacted Chase to inquire about the status of the second charge and was informed that Chase found the charge to be valid because XXXX stated it was part of a " deposit ''. After explaining that XXXX and I never agreed to " deposit '' charges, the representative informed me that I could request the dispute to be reopened if I could provide further documentation supporting my claim. The word " deposit '' spurred me to look closer at XXXX 's invoice and dissect each and every one of the multiple charges listed on the detailed portion of the invoice. I discovered that the XXXX charges I was originally disputing were actually a combination of multiple charges XXXX grouped together. Therefore, I wrote a letter to Chase dated XXXX XXXX, XXXX requesting the dispute to be reopened and explained that the remaining disputed charge was never part of a " deposit '' but a portion of the total rental fees, of which {$11000.00} of the total fees was billed in error and charged to my credit card. In my letter, I outlined each and every billing error that occurred regarding the overcharges. XX/XX/XXXX, I received a notice from Chase stating it determined that the charges were valid and would remain on my account. I called Chase on XXXX XXXX for an explanation. The Chase representative stated the charges were valid because there was no " proof of billing error ''. This was very confusing since proving proof of a billing error was my reason for submitting my XXXX XXXX, XXXX letter to Chase. A Chase supervisor further informed me that because I gave my credit card number to the merchant, XXXX was allowed to charge my card however it saw fit. ( My credit card was required to be on file with XXXX in order to rent its equipment. ) The Chase supervisor also informed me that the dispute is now considered closed and no further action from Chase will take place. I simply can not accept Chase 's reasoning for validating the charges. By XXXX charging my card XX/XX/XXXX and XX/XX/XXXX without my knowledge and not providing me with an invoice until XX/XX/XXXX, XXXX intended to charge without authorization. After reading my XXXX XXXX, XXXX letter to Chase and reviewing the supporting documentation I have provided in this complaint, I am hopeful that the CFPB will assist me in getting the invalid charges reversed. Also, Chase has been charging me interest on these charges since XX/XX/XXXX. | ||||||
| 04/24/2016 | Yes |
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Web | Older American |
| I am once again being asked to provide another extension to JPMorgan Chase a full year of them requesting extensions upon extensions to further investigate my claims of which I will document below. This is the same tactic used in XX/XX/XXXX when they were forced to pay XXXX to homeowners to settle state & federal claims over questionable mortgage practices promising to work harder helping homeowners. What did they do including JPMorgan Chase? Homeowners that were forced into foreclosure or bankruptcy were now being given letters forgiving their debts. " You ca n't forgive a debt that you 're legally unable to collect ''. Banks are always gaming the system. Hence the clamor recently by those running for office/ their advisers like XXXX XXXX who now positions himself as a " White Collar Criminologist ', planning on curbing this terrible abuse of the financial system. From a recent letter sent to Chase :. ) CONFUSION AND CHAOS IN TRADITIONALLY A SIMPLE MORTGAGE PROCESS. Again, we talked to XXXX Chase Representatives during the verbal mortgage and modification process and received XXXX Trial Payment Letters and errors for submission, within a 30-day period. Apologies from Chase are not the solution for their mistakes and the convoluted and confusing process. 2. ) While you neglected to send the error letters intentionally or as an oversight, neither Trial Payment letters had the actual payment amounts and there were no vouchers or other payment plans included in the correspondence. Nice start! It only gets worse : The Trial Payment Plan dated XXXX XXXX, XXXX indicates a start date on XXXX XXXX, XXXX that you " confirmed '' in your recent correspondence as the " approved date '' -- after the missteps. There is also an attachment dated XXXX XXXX, XXXX simultaneously writing for a payment that was past due and or not received by said date of XXXX XXXX, XXXX. Assuming that the Trial Payment beginning XXXX XXXX, XXXX was the correct plan and was mailed to us by Chase on XXXX XXXX, XXXX -- with 5 to 10 days for delivery and receipt of the letter -- why would we be at risk of default for non-payment even before we would be reasonably expected to receive the " confirmed and approved '' Trial Payment Plan Letter? It makes no sense whatsoever but one can only assume that Chase was too big and preoccupied with the takeover of Washington Mutual ( the originator of our mortgage ) and the messy litigation that followed, or perhaps a scheme to confuse or intentionally defraud with the revolving door of Chase Representatives and the concept of a " verbal mortgage, '' with a paucity of information. Either way, it could be concluded that Chase did not have the proper controls in place to " house '' and process the most important and precious asset for working-class people like me, with increased risk of financial harm. 3. ) FALSE CLAIM OF NON-PAYMENT ON APPROVED XX/XX/XXXX MODIFICATION. Chase has repeatedly claimed a paucity of information but we kept all of our documentation, up to and including ALL the people we spoke with. 4. ) Our records clearly show that we made first payment on the XXXX XXXX, after repeatedly calling Chase to confirm the payment amount. Thanks to the brilliant idea of a verbal mortgage! Our records also confirm that we first tried to make the second payment on-line but when it was not accepted, went to the local bank make the payment there. The Teller & Bank Manager could not process payment. Called Chase corporate, then the nightmare began. " Nothing in the file, who told you so, we have no record, now after a year you are still searching for information? To add insult to injury Chase claimed they sent XXXX inspectors to our home..XXXX!!! of course they later admitted that this too was a mistake. How are they settling this matter? One full year of requested extension? Now on to the next level by jury of our peers. XXXX XXXX XXXX | ||||||
| 05/03/2015 | Yes |
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| I sought a mortgage modification starting in XXXX after my wife and co-loan maker left our family house for her own home. She stopped paying all household expenses and in the past XXXX years my take-home income was reduced significantly as my family sought to start a business. Chase advised us to jointly apply for the modification but acknowledged via numerous conversations with us that my wife did not reside in our home nor was she paying any household expenses. My wife, at Chase 's request furnished Chase the lease on her new home and bank statements which all corroborated that she did n't live in our family home nor pay any household expenses. I and in fact, both my wife and me, indicated that the mortgage relief was to be only on my finances b/c she had no intent to pay anything further for our family home. Chase took over XXXX months to deny us for any loan modification on the basis that we made too much money! They said I could appeal but I strenuously objected b/c they made their determination on both my wife and my income and to " appeal '' that finding would be futile b/c with our combined income -- we probably do make too much money. But my issue was why they would include her after numerous discussions and evidence submitted that we were separated and more important -- my wife did n't intend to contribute to the household in any way. Further, in my original request, while we filled out the application at their insistence, my goal was for a forbearance for a few months while we tried to resolve our marital affairs. In parallel, I maintained keeping my mortgage current by liquidating every retirement account that I have and vigorously explained in every conversation with Chase that I could not allow my mortgage to be late. The nature of my work with the XXXX requires a clearance and financial distress indicators could impact my employability and the status of my firm to do business with the XXXX -- in essence ensuring my financial insolvency. The most important thing in this process was not so much the decision that Chase reached but that they reached a decision expeditiously. At this writing, I have been in the " appeal '' process for XXXX weeks and the newly assigned rep has yet to review the basics of my file and he stated on XXXX XXXX conversation that I should have filed an app by myself with my wife having signed a quitclaim deed. WE ASKED THAT QUESTION NUMEROUS TIMES IN THE ORIGINAL APPLICATION and original rep refused to answer that question. But to add insult to injury, he tells me that if I want to be reviewed solo then I MUST REAPPLY. Chase 's lack of appropriate and timely processing of my family 's request is literally forcing us into foreclosure but I struggle to keep my mortgage current b/c of the adverse professional ramifications. In close, our house is at least $ XXXX upside down and our mortgage is a negative ARM -- XXXX other major drivers for seeking a modification. Again, it is not so much the decision that Chase makes it is the intransigence to recognize that forcing me to re-apply when we made our situation clear from the outset, is enormously unfair and a potential destructive hardship to our family. But after my last dealing with the Chase rep, it was clear that he, personally, refuses to even review my file in a timely fashion and despite his assurances that he will do so and despite my vehement request, even to escalate my case to a superior. He advised me that I can not expect escalation despite his not reviewing my case file since he 's been assigned it XXXX weeks ago and that I have " no further recourse. '' I 've attached Chase 's " decision '' & you will see that they used our combined income ignored all the conversations, data and facts related to my wife NOT paying any household expenses and her taking her salary to pay for her new home [ where mathematically she could n't pay for both homes ]. | ||||||
| 02/04/2016 | Yes |
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| You have no statements for this period. It may be because : Your account is new or it 's the first month of the year and your account has n't generated a statement yet. Credit card/Line of credit : You 've closed your account or there has been no activity on the account for the entire billing period. Auto finance account : You 've closed your account or you 've signed up for automatic debit. Note : Online statements will be available for viewing within 3-5 business days of the statement closing date. Above you will find Chase 's credit card statement discrepancy and falsification on reporting processes. By referencing the Chase statements I will without a doubt prove this falsification of inaccuracy and another reason why my receipt of proper monthly statement is falsified and inaccurate by Chase. In turn Chase placed a 30 day late on my Slate account ending in XXXX. I will compare XXXX of my accounts and highlight the errors as I continue to dispute my case. Reference document XXXX attached account ending in XXXX references the above statement. This account ending in XXXX is not a new account but it is in the first month of the year and in this case has generated a statement ( Discrepancy ). Reference document XXXX attached account ending in XXXX references the above statement. This account ending in XXXX is not a new account but it is in the first month of the year and has not generated a statement. ( Possible reason for no statement as stated by Chase ) Neither of these accounts above are closed and neither of them have had any activity on the accounts for this monthly billing period. Please reference statement document XXXX and XXXX for this reference. Another discrepancy here is that both accounts had no activity for the monthly billing statement yet one of them generated a monthly statement and the other did not. Why would I receive a statement for one and not the other for proper notification to the consumer? You can also reference due date document XXXX and XXXX which also states the payment due dates which are only XXXX days apart yet XXXX statement is generated for the consumer on XXXX account but not the other account in my name. Finally referencing the delivery method document you will find exactly how my accounts are setup by US Mail and all of them are set for the same default mailing address. I have since setup 10 day alert notifications which I also do not receive. With regard to the receipt of physical statements received by US Mail, I only receive XXXX physical statement out of all XXXX Chase accounts. As an example, my Marriot account ending in XXXX is the only statement I receive by mail in which I did for XX/XX/XXXX with no current activity on that account with a credit balance. On the other account ending in XXXX I did not receive a physical monthly billing statement by XXXX Mail for XX/XX/XXXX and again the account had no current activity and a credit balance. ( Discrepancy ) There are many inaccuracies with Chase and the consumer is punished for these inaccuracies by reporting negative and inaccurate information for reporting purposes. I am reporting this to the XXXX, FTC, CFPB, Attorney General, Secret Service, FBI and to protect my Fair Credit Reporting Rights. I will contact the attorney general to file a lawsuit against Chase for counsel for the state as well as a personal law suit toward Chase for damages. See all docs. Any information on your credit file that can not be verified has to be removed. Chase placed a 30 day late on my Slate account ending in XXXX. I never received a statement from Chase either by mail or electronically. Chase can verify that a statement was generated but I would like to ask Chase to verify that without a doubt I received the statement on my end either by US Postal Mail or electronically by email? Was the physical statement certified with a return receipt for verificatio | ||||||
| 11/22/2022 | Yes |
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| This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. | ||||||
| 07/18/2022 | Yes |
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| On XX/XX/XXXX, I opened up a checking account, savings account and credit card with Chase Bank at the branch in XXXX KY on XXXX XXXX. I was approved for a {$19000.00} limit credit card. I did not ask for a credit limit that big, but thats what came back when I was approved. Once I got home, I realized that my online account showed all promotions with the card, except for the 5 % cash back on gas, as advertised online. I called customer service a few times and I was assured that I did have the promotion. The last time I called to be sure about this was the next day, XX/XX/XXXX, and they assured me that once my points were generated on or about XX/XX/XXXX, I would see that promotion. On the morning of XX/XX/XXXX, I finally figured out how to check to see if I was receiving 5 % cash back on my gas purchases and I saw that I wasnt. So I called customer service again on that day, XX/XX/XXXX, around XXXX. The first representative checked and found that I indeed wasnt getting the 5 % cash back, as advertised online. She said she would need to escalate the issue and that it could take some time. I was frustrated and asked her to tell me what the cancellation policy was, due to me having to move all my accounts again. I asked her how I would cancel, and once she explained more to me, I thought about it and said that I would like to speak to a manager instead because there has to be something that can be done and I would need to situate my other accounts at Chase Bank first, if I do need to cancel. She then asked me to hold for a supervisor. While I understood that she wasnt sure why I didnt receive the promotion, it wasnt fair to me that I had called several times to make sure I would receive the promotion and I was told yes each time. I was transferred to a manager. I told him that I wanted to know the policy to cancel, as I would need to get my accounts in order first if he wouldnt be able to help. He was very rude. He also explained that he didnt think I would even be able to get the 5 % cash back option that I was told I would get, even though it was still being advertised online. He also told me that if it where possible, they would have to take away one of my account benefits that came along with the card. I explained to him that it wasnt fair at all. I told him that I had the date of the last call I made in XXXX so that he could pull the call. He was extremely rude. He kept cutting me off, and going back and forth with me. I asked him to stop being rude several times. He than resorted to repeating himself, and asking if I wanted to cancel, which I never asked him to do. I then told him that I wanted to file a complaint, and I wanted it to be with someone other than him, because he was extremely rude. He continued to be very combative so I ended the call. I didnt expect that from a manager. I felt attacked for something that wasnt even my fault. I ended the call just to call back and speak to someone different but the automated system told me that my account was already closed. I wanted to speak to someone that wasnt rude, and who could take my complaint. I have never been spoken to like that before. Once I found out that the manager closed my account, without my consent, I went to a branch to see if they could help. A banker at the branch called customer support for me and no one was able to give him a reason why my account was closed. He also explained that he didnt see any notes from my last call with the supervisor. I showed him the call on my phone, along with a screen shot of the offer, and a screen shot of one of my calls to customers service on XX/XX/XXXX to check on the 5 % cash back offer. He said he would also report this. I later learned that it was his last day. I want to submit this complaint because this affected my credit, it was closed without my authorization and it was a horrible, and extremely unfair experience. | ||||||
| 07/26/2016 | Yes |
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Web | Older American |
| JP Morgan Chase under the direction of XXXX XXXX seems to think they are above the law and do whatever pleases them. After all they are secure in their connections to the necessary parties that can terminate any litigation against them, etc. Well I am an average consumer who worked 6-7 days per week and at least 15 hours per day - live within my means and my only sin was to renegotiate a mortgage loan with JPMorgan Chase when they acquired my mortgage from hostile takeover of a bank that sued them and won. Chase JP Morgan under the direction of their highly paid CEO XXXX XXXX have assumed the mantle of 'Judge & Jury ' as it relates to the debacle of the mortgage meltdown they created. They collected government bailout : foreclosed on homes with wild abandon as there was little or no oversight to the obvious fraudulent behavior taking place. My story is quite simple : applied for a lower interest rate : after many stops and start finally received the 'go ahead '. Paid the first month 's mortgage then my troubles for the next two years began. Second months payment rejected by Chase : online : in person at their bank over the telephone. Tried every which way to pay the next installment..they would not accept. My recourse would be to refile mortgage papers over.this I did regularly for the next two years. Seems JP Morgan Chase had trouble receiving documents - always a lost page or XXXX. JP Morgan Chase for the next two years would deliberately/or accidentally could never find any trace of a mortgage contract, always an empty file. This was confirmed to me by XXXX assigned representative from JP Morgan Chase XXXX What I later found out and confirmed to me : I was caught up in a scam. Reason they could never receive all the papers through every conceivable means - commission was paid to employee for every foreclosure. Yes, you foreclose on a home, you get a commission. " XXXX in charge of the blood bank ''. Consumer on the losing end..I got caught in this scam. In addition, JP Morgan Chase kept XXXX books : XXXX showing my monthly mortgage obligation..and XXXX hidden away with penalties etc. totaling close to {$300000.00}. Anyway you take it I was XXXX..by people who were accepting bailouts with the proviso to help consumers. I have now been trying to get relief from JP Morgan Chase for over a year now..and they still keep assigning more people to hear the case, research the case, ask for more time to research : bear in mind that XXXX of their people could not find anything in the file. JP Morgan Chase is now coming up with same regurgitated and incorrect information as to why the second payment was not accepted that put me in jeopardy for over two years. *JP Morgan Chase admitted in writing that my mortgage was a verbal one *JP Morgan Chase admitted in writing that their accusation of sending XXXX inspectors to my home did not happen. *JP Morgan Chase through XXXX member of their legal team XXXX XXXX offered a paltry compensation of {$15000.00}. while I was on the hook for {$300000.00}. Of course I declined. *JP Morgan Chase latest member the arrogant XXXX XXXX XXXX who I stated in last update to take a long walk of a very short pier, is now sending the same verbiage that they manufactured : using the CFPB as a revolving door for continued delay tactics of which they have perfected the art. XXXX XXXX, yes I do not want you to call me, you have nothing to say except to advise except research & extension. You can not even properly identity yourself. *My question which JP Morgan Chase refuses to answer is still the same : Did you knowingly offer your staff compensation on each foreclosed home? For two years you could not find anything in the file? JP Morgan Chase how come your lawyers have now been able to manufacture an answer?. Just answer the question if you can or perhaps the CFPB can get you to answer the question. Dishonest bunch. | ||||||
| 04/24/2019 | Yes |
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| On XX/XX/XXXX at approximately XXXX XXXX, I decided to stop by the Chase Bank located at the XXXX XXXX Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, to make a cash deposit. Instead I became a victim of a crime and was robbed during branch hours. Inside the ATM vestibule area, I noticed two other male customers trying to make their own transactions arguing with the woman to leave them alone that they didnt have any money to give her. This woman is homeless and a drug addict, who according to the NYPD is known to menace the area. After the two men addressed her she looked like she was about to back off. Instead she approaches me by the ATM machine where I repeated the same thing to please leave me alone that I did not have money to give her. She stepped back, but then came quickly towards me and grabbed my money from my hand. My immediate reaction was to grab her to keep her from leaving with my money. The other customer who was in the vestibule area with me helped restrain her after a physical confrontation, where I ended up injuring my arm during the tussle. This entire incident happened on Chase property, during the day, during branch hours, and was caught on Chases camera. Not a single branch member came out to assess the situation and help restrain her. Both the security guard and branch manager were nowhere in sight. Instead me and the other customer brought this woman inside the Chase branch where we asked for help ( while restraining her ) and someone was finally able to call the police. Unfortunately, this branch failed in ensuring customer safety and security measures. I bore the responsibility as a Chase customer, immediately after being robbed to place myself in harms way and keep this woman from leaving with my money. Within about 12 minutes the metro police came inside the branch and assisted me with detaining her. They placed handcuffs on her until the NYPD arrived. Once the NYPD arrived she was arrested for robbery. The very next day I went back to the branch to speak with Branch Manager, XXXX XXXX XXXX to share my experience and ask what actions I can take. Instead the manager simply said sorry and that their best security guard happened to have been off on Monday. When I explained that no one inside the branch assisted me with the matter until we brought the woman inside the branch, the manager responded by saying maybe the security guard was on lunch, this response is unacceptable. I was a victim of a crime at this branch, lost money during the ordeal, and got injured. Here is the thing this branch is known to be a hot spot and have people menacing customers in the area during all hours. This branch needs to have a safety and security training in place on how to properly handle these kinds of situations, which could have easily turned bad. There should always be a security guard by the entrance. The bank branch security guard is responsible for the security and protection of the banks employees and all assets. Generally, security guards stay alert to watch for potential threats to the safety of employees and customers. Chase should consider different measures to help ensure that their customers feel safe when withdrawing or depositing their money at the bank. A customer shouldnt feel threatened or fear walking into a bank and physically being attacked to protect their money. To resolve the problem, Im seeking monetary compensation of {$10000.00} for the emotional distress, pain, suffering, of being a victim of a crime at your financial institution. I am a survivor of XX/XX/XXXX and take safety and security measures very seriously. I am appalled that this branch failed to ensure my and their customers safety and protection. I look forward to your reply and a resolution to my problem. I will wait before seeking third-party assistance. Please contact me at the above address or by phone XXXX | ||||||
| 12/22/2016 | Yes |
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| XXXX XXXX XXXX , XXXX is servicing my loan as a debt collector and is related to XXXX, XXXX XXXX XXXX, and/or CHASE by common ownership or control. These other banks are affiliates who the CFPB can hold responsible for violating the Dodd-Frank Act and the FDCPA. The CFPB needs to investigate XXXX and the debt collectors for their relationship with these affiliates. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 authorizes the Consumer Financial Protection Bureau to seek the following relief for violations : rescission, restitution, disgorgement, damages, and civil penalties of up to {$5000.00} per day per violation. XXXX XXXX XXXX and their affiliates have not acted in a " fair '' or " transparent '' manner, but have engaged in " unfair, deceptive and abusive practice [ s ] '' in violation of the act by using the Making Home Affordable Act as an illegal method of debt collection. This keeps eligibility requirements in place which is designed to prevent consumers from functioning normally as it becomes very burdensome and oppressive. XXXX and their affiliates have used the Making Home Affordable Act as an illegal method of debt collection that violates federal consumer rights laws and the Dodd-Frank Wall Street and Consumer Protection Act of 2010. I have already filed several complaints with the CFPB against XXXX and have attached dozens of Required Information Notices for the Making Home Affordable Act. I have received up to three notices per month. I received these notices for two years before I finally compelled SPS to stop sending them and these came after my application was fraudulently removed from underwriting. These notices are for a financial product or service and violate the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 as well as the Fair Debt Collection Practices Act. The act provides that in dealing with consumers, " affiliated persons '' that provide a " consumer financial product or service '' must not engage in unfair, deceptive or abusive acts or practices. The Act makes it " unlawful '' for any covered " person [ defined as including any business entity ] or service provider '' to offer or provide to a consumer any financial product or service not in conformity with " Federal consumer financial law '' or " to engage in any unfair, deceptive or abusive acts or practices. '' The Act defines a " financial product or service '' as including the extending of credit and the servicing of loans. Therefore XXXX has violated federal consumer rights laws and the CFPB is not taking any action to stop it or seek restitution for consumers. A stated purpose of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( " the Act '' ) is to ensure that consumer products and services are " fair, transparent and competitive '' and to provide consumers " timely and understandable information to make responsible decisions about financial transactions. '' The Consumer Financial Protection Bureau has not enforced the Dodd-Frank Wall Street Reform and Consumer Protection Act and is not investigating XXXX XXXX XXXX , XXXX to identify who the affiliate companies are that the debt collectors are working for in violation of the Fair Debt Collection Practices Act. These affiliate companies can be held accountable for violations of the Dodd-Frank Act and the Fair Debt Collection Practices Act. In order to be an exception to the FDCPA, the debt collectors have to be working for a creditor and creditors are companies who obtained the debt when it was not in default. This is not possible in my case as the only bank who could have been considered to be a creditor was WaMu.. I went into default while my loan was with Washington Mutual and CHASE acquired the debt after CHASE merged with WaMu. The CFPB can not avoid this responsibility by claiming XXXX does not fall under Dodd-Frank Act. | ||||||
| 05/20/2015 | Yes |
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Web | Servicemember |
| In between XXXX and XXXX of XX/XX/XXXX when JP Morgan Chase took over Washington Mutual mortgage and they XXXX use the practice of fraudulent means. We have been fighting now for over XXXX years just to be heard. Here is list of things I found out in my case but because of lack of income we were force at times to accept whatever help was available. Now since XX/XX/XXXX back dating of assignments are being recorded therefore A clouded title has been created and now we are being forced into a foreclosure of our property through illegal means by the members of XXXX super banks evidence of movement and missing assignments etc. We conclude that XXXX is the Master Servicer involved in the transaction of our loan origination as the dates was change and that our original loan was a repurchase We have also concluded that there is fraudulent activity between all parties involved with our loan, this also includes The Law Firm XXXX XXXX XXXX, XXXX as the debt collector for each attempt of foreclosure of our loan. This also may be construed by us the borrower that you may knowingly or unknowingly be involved with this elaborate scheme of racketeering which is called XXXX and the failure of XXXX in this well designed package of laundering the funds. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as consumers to request verification of all assignment, and the acknowledgement of who XXXX XXXX XXXX is as the agent of MERS that was involved with the FDIC insurance paid out on loan. Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. Creating fictitious documents { Assignments, Affidavits, and Power Attorney etc } Request homeowners to submit and resubmit loan mod paperwork multiple times that pays the bank {$1500.00} each time. Falsely claiming legal standing by use of names such as Trustee, Assignee, Nominee, Beneficiary, etc.Using fraud, false statements and evidence to invoke the jurisdiction of the court ; Preying on the ignorance of the court and homeowner ; Deceptively convincing borrowers to agree to unfair and abusive loan terms or systematically violating those terms in ways that make it difficult for the borrower to defend against ; Took out forced-placed insurance on property they did not own Altering/modifying loan terms without the legal authority to do so ; Falsely claiming Pooling & Servicing Agreements, industry standards, rules, guidelines or other industry-authored writings supersede the law ; Failing to follow PSA, SEC and regulatory guidelines ; Using fraudulent means to obtain AAA-ratings on " XXXX loans '' ; Robo-Signing legal documents without review or the legal authority to do so ; Feloniously claim XXXX tax-exempt status ; Falsely claimed tangible Notes were transferred to the Trusts ; Participate in the active concealment of origination fraud ; Converted paper Notes to digital images with no law to support it ; Destroyed original Notes to, inter-alia, cover-up origination fraud ; Backdating legal documents ; Filing forged/faked documents in courts and public land records ; Ignoring customer complaints and " qualified written requests '' ; Embezzlement ; Racketeering - XXXX ; Creating additional false deficiencies through a variety of questionable practices ; Grand Theft ; Tax Fraud ( XXXX ) ; Money Laundering ; XXXX XXXX ; XXXX XXXX ; Statute of Frauds Constitutional and Civil Right violations ; Notary Fraud ; Evidence Tampering ; Theft of Government Services ; And many others. Arrogantly violate numerous laws and regulations ; Coercing the homeowner into signing a forbearance agreement to strip away their legal rights ; Falsifying records and documents ; Committing perjury through misrepresentations ; Withholding or redacting discovery evidence ; | ||||||
| 05/30/2023 | Yes |
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| On XX/XX/2023 I called Chase to dispute the amount of {$9000.00} from merchant Premiere. I certified mailed the dispute letter with evidence a few days later which includes ( copy of service contract, merchant advertisement, emails and timeline of events ). On XX/XX/XXXX, I received Chase letter providing merchant response that the contract states a 3 day cancellation policy. On XX/XX/XXXX, I uploaded my response that merchant promised a specific date of filming service before contract was signed but changed the date well after the 3 days ( date was changed by merchant on XX/XX/XXXX ) and uploaded everything I already sent by certified mail to Chase which includes the full service contract. I called and spoke with Chase rep XXXX at XXXX asking if all is received and she confirmed. I asked if they needed anything more and she said that if they have questions, they will contact me. That never happened. On XX/XX/XXXX I was notified by Chase that the charges are valid and case is closed. The reason is because merchant claimed services rendered in full in their letter dated XX/XX/XXXX. Merchant 's exhibit provided a snippet of the service contract which purposely omitted the sentence that states the service of production ( filming ) which has not yet occured. This is the same service contract that was provided by me in full on the XX/XX/XXXX letter and uploaded on XX/XX/XXXX as supporting evidence. Between XXXX XXXX, I explained this over the course of several phone calls to Chase dispute team and asked how I can appeal or request to re-open the case. The account supervisor, XXXX on XX/XX/XXXX did not even try to help me... she told me to go to Chase.com without any guidance and pretty much told me that the result will be the same. I asked my local banker XXXX in the Chase XXXX location to help and she was told the result will be the same. No one was able to explain to me why when clearly the evidence shows merchant lied. I went ahead with the request to re-open and that in itself was the most frustrating experience. Every time I spoke with a Chase rep, I was told different things ( fax it, mail it, upload it to document center ) which I did all of them. But by XX/XX/XXXX, I was told Chase did not receive the fax from Chase XXXX, nor the uploads because I find out it goes nowhere once case is closed, nor the certified mail yet. It wasn't until I spoke with XXXX that night at XXXX he suggested I send a secure message through my signed in Chase portal. Finally I get a response that it went through. On XX/XX/XXXX, I received a letter stating the charge of {$9000.00} is valid without reasons or context. I called on XX/XX/XXXX and spoke with XXXX first, got disconnected, called again, got XXXX, disconnected, called once more and spoke with a lady. She told me that the reason why they can't re-open is because the date for Chase to respond back to merchant has expired. It expired on XX/XX/XXXX. So how can I request to re-open a dispute when I only received notification from Chase on XX/XX/XXXX that the case is closed?! This doesn't make sense. If Chase knew the expiration date was XX/XX/XXXX, and the merchant last responded on XX/XX/XXXX, why was I, the consumer/cardholder not notified much sooner so I can easily disprove their claim with evidence that was overlooked?? What boggles my mind is that I provided on XX/XX/XXXX with the full contract already which disproves the merchants claims on XX/XX/XXXX! It seems that if the merchant responds with any bogus claim, the merchant wins regardless of conclusive evidence. Chase dispute team handled this case incompetently and the whole ordeal is a sham. Most of the reps are not well trained to help you through a dispute. Not only was my family victimized once by the merchant but again by Chase 's dispute team who is suppose to help the consumer who has no knowledge of how this process works. | ||||||
| 11/24/2021 | Yes |
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Web | Older American |
| On XX/XX/2021, we received from XXXX XXXX XXXX of XXXX a check for {$710000.00} representing a loan. I deposited the check immediately to our Chase checking account since we needed the funds to be available for our ongoing real estate transactions. On XXXX XX/XX/XXXX, I needed {$200000.00} to close a transaction. The Chase representative, told me that the funds were not available until XXXX. I was very disappointed. I had no choice but to wait until XXXX. On XXXX XX/XX/XXXX, which is XXXX days after deposit, I went to the XXXX in XXXX XXXX and I asked for a wire transfer to XXXX XXXX company. Chase representative told me that the funds were not available. I was shocked. It was unbelievable. I was under enormous pressure because we were not able to close our transaction. I asked the representative what was the reason we could not dispose of our money. ( Unfortunately, this bank is a large open space with dividers. There is no privacy. Everybody can hear everything ). Suddenly, the manager of the branch showed up and said : you can not send a wire transfer today. It is too late. It is going to go out tomorrow. I was extremely frustrated and upset. I said : Lets not talk about the wire transfer. Lets talk about " the hold ''. Why is there a hold? Why are we still not able to access our money? She said : it takes time I said how much time do you need? She said We have to verify where the money is coming from. I said : this is a check from a title company. This a loan and we are paying money on it every day. She said it takes more time when there is a week-end. Out of frustration, I repeated my question again : I need to know why there is a hold on our money? She replied : Because this is a large amount of money I was stunned with this response. My reaction was : It doesnt make sense. The larger the amount, the longer the hold? She said : You have to leave now I said No I need to clarify this now I was hoping that she would take the phone and call the headquarter and solve this problem. But no! Instead, she said : If you dont leave, I will call XXXX. Not only I was ordered to leave without wire transfer, but, in addition, I had to be humiliated because I was asking questions to clarify the situation. I want to file this complaint because I feel the manager of the branch was unprofessional ; she did not solve the problem. She was not helpful. She humiliated me. Months ago, I did deposit large sums of cash in this branch. The counter top is high, up to my nose. The representative in an open space- had to manipulate behind the counter, out of my sight, multiple bundles of XXXX of dollars I handed to her. Then she placed a machine in front of me and let the machine count the money. {$100.00} just disappeared. What happened? I have no idea. But for sure something happened. A representative filed a complaint for me. What happened to that complaint? As of today, I did not hear anything from Chase or branch manager. The least a manageXXXX could do is not being careless. Clients expect a manager to be professional, making transactions safe and customers happy? Our money being on hold by Chase for such a long time is unfair and abusive. Here is another example of Chase failing to do what it takes : I needed cash and I went to the branch at XXXX XXXX in XXXX. The representative did put the money in the machine the machine counted the money very fast and the money was handed to me. I re-counted next to his window. It was short of {$200.00}. I told him that it was short. He argued with me. I said : listen, I dont have any {$100.00} bills on my purse. The only bills I have is what you gave me and it is missing {$200.00}. He went around and came back with {$200.00} and he said : this was stuck inside the machine. I am very unhappy with Chase practices. I would appreciate a detailed explanation from Chase to this letter. Sincerely, XXXX XXXX | ||||||
| 02/22/2018 | Yes |
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| *Chase failed to address promptly reported evidence of fraudulent activity, resulting in fraudulent withdrawals : * on XX/XX/XXXX, I reported to Chase Manhattan Bank four suspicious e-mails apparently from XXXX asking me to verify a request to transfer funds from my Chase account to unauthorized bitcoin accounts. As I had no business with XXXX, I called the Chase fraud department to communicate that I could not tell whether the links in the e-mails were legitimate responses to fraudulent activity, or were part of aphishing scheme to which I should not respond. Chase requested that I forward the 4 similar e-mails to their fraud department ( example text below ). I was not apprised of any action or investigation that tookplace thereafter. I also called XXXX to ascertain whether accounts had been set up, but was unable to obtain any information. On XX/XX/XXXX, I reported to Chase that they had allowed 4 fraudulent transfers of {$700.00} each from my checking account to coinbase accounts, and made claim to Chase for these unauthorized transfers. I also reported to Chase that on XX/XX/XXXX two small deposits had posted to my checking account. " XX/XX/XXXX FUNDS VERIFICATN NEW ACCT PPD ID : XXXX ACH credit {$0.00} FUNDS VERIFICATN NEW ACCT PPD ID : XXXX ACH credit {$0.00} '' I learned that such small deposits are often made in advance of a transfer as a means of verifying the account. To my knowledge, the origins of the deposits have not been investigated. I also changed passwords to my online banking for Chase as well as my e-mail, and took steps to request a transfer of {$130000.00} ( most of my funds ) to my XXXX investment account, as Chase was unwilling to set up a new account without requiring me to travel to another state. Transfer to my XXXX account took a couple of days to set up, but had posted by XX/XX/XXXX. At XXXX on XX/XX/XXXX, another fraudulent withdrawal of {$25000.00}, this time to a different online bank, XXXX XXXX, a division of XXXX XXXX XXXX, was placed on my Chase checking account. This triggered a negative balance alert on my checking account at XXXX XXXX on XX/XX/XXXX. I immediately phoned Chase fraud department and Chase checking customer service to file a claim for the new fraudulent withdrawal. On XX/XX/XXXX, my transfer of {$130000.00} from the compromised Chase account to my XXXX investment account had been credited, and I agreed to freeze all further financial activity on the account. *Chase spuriously cites XXXX to recall ACH transfer to my account at another bank* : On XX/XX/XXXX, Chase fraudulently recalled a transfer to my XXXX investment account, resulting in loss of my funds and an additional {$40.00} fee imposed by XXXX for the " bounced '' transfer. Just in case my name had been added to the list in error, I checked with XXXX, who confirmed that I was not on any XXXX list. The loss of access to my entire checking account required me to withdraw funds from my investment account to pay my bills, resulting in further expenses. *Chase fails to provide information regarding the method or timing of a release of my funds* : On several occasions that I called Chase fraud department and Chase checking customer service regarding the disposition of my funds or any plan to return my money, I received conflicting information. On some occasions, I was told that to close the account and receive funds I would have to travel out of state to a Chase bank, but when I called back to confirm that this was the case, Chase said that the account had been closed on XX/XX/XXXX, and that I would have the checking account balance sent as a check to my home address. It is now XX/XX/XXXX and I have received neither my money nor an explanation as to how or when my funds will be returned to me. The only communication received from Chase was to acknowledge that Chase had received one of the complaints regarding their actions. | ||||||
| 11/05/2015 | Yes |
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| When in XXXX XXXX, I went with colleagues to a merchant who sells jewelry. We have previously been there during a trip a couple of years prior and one of my colleagues has been there many times of many years. I looked at some items to potentially purchase and decided to buy a couple of things, as did my colleagues. The invoice from the merchant was hand written and was in XXXX XXXX Dollars and then there was a section that was converted to USD. The primary owner, XXXX, who was assisting us, and many others, was back and forth in effort to help many people. We were in the store about 2-3 hours Before I agreed to purchase a pair earrings and a bracelet. However, before getting to that point, I reminder her of a pair previously purchased that are sitting in a drawer at home for which I stated, they must have had Nickel in them as I can not even wear them. What are these made of as I can not at all have Nickel in any earrings. She told me they were solid gold, no worries, nothing would be wrong. I would be fine. She went through an entire story about all the people that come to her, and how she makes stuff, etc. etc. I said I ca n't buy them if they have any Nickel as I am highly allergic. She said I only sell the best and there is no nickel. So, I based on this, bought those specific earrings. However, being in the store so long, and getting so late, I did n't realize she also charged me for a necklace, pendant, and XXXX or XXXX rings and proceeded to calculate the XXXX incorrectly and then the conversion of the XXXX to USD incorrectly on many items. I took XXXX items with me back to the store, the earrings and the bracelet as I quickly realized later that evening, after talking to my colleagues who bought things that something was n't right with the math. As i added it up several times, not only did She overcharged me by over XXXX XXXX, or over {$10000.00} USD, there were issues in at least XXXX or XXXX items conversion rates to USD for almost {$4000.00} USD. I immediately emailed her, and I attempted to call the store, to let her know of the mistake. I also emailed her to tell her I noticed the rings, the necklace, pendant were on the invoice, I do not want those items. I looked at, but did n't want them. So, the next day, many of us returned to her store. She said she had to go to bank to refund as could n't do with her credit card equipment and it takes 3+ weeks??? I filed immediate dispute. About 2 days later, my ears were completely infected. I emailed her and went back to the store to return them. She said she would, and then changed her mind. First she said because all of us were good friends, so return yes. Then she said no. We have a video showing leaving the XXXX pieces with her at her store. Have provided the video, the picture of the hand written receipt and over XXXX emails between the merchant and I to Chase Visa, as per their request. Despite all of that, and their representatives saying they were shocked, they are saying they CAN NOT HELP ME? This is clearly consumer FRAUD. 1, The merchant says she has all the jewelry ( even though she first told XXXX she did n't ), 2, I never took possession of some of jewelry that she is charging me for, 3, she also overcharged me which is why the receipt was so high, XXXX, even though the merchant attempted partial return, she did n't return the jewelry that was never accepted nor agreed by me to have in the first place. She is charging me for all the jewelry And she wants to charge me for more than the jewelry price was quoted on the invoice picture I tok and sent to her and to Chase Visa. I am being defrauded by a merchant in her attempt to keep {$14000.00} USD from me for something I do not have and have n't had, except for a few days. And I did n't have any of the other items on the invoice and the merchant XXXX Charge slip. XXXX/XXXX/2015 XXXX/XXXX/2015 Sale REBILL VALID XXXX | ||||||
| 05/20/2015 | Yes |
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Web | Servicemember |
| According to our PSA 's from the United States of America Securities and Exchange Commission between XXXX XXXX and 90 days thereof there was a merger of XXXX XXXX XXXX XXXX and Washington Mutual Bank FA. Also in XXXX and XXXX of XXXX when JP Morgan Chase took over Washington Mutual mortgage thenceforth they all used the practice of fraudulent means in securitizing the loan. We have been fighting now for over XXXX years just to be heard. Here is list of things I found out in my case but because of lack of income we were force at times to accept whatever help was available. Now since XXXX of XXXX back dating of assignments are being recorded therefore A clouded title has been created and now we are being forced into a foreclosure of our property through illegal means by the members of XXXX super banks evidence of movement and missing assignments etc. We conclude that XXXX XXXX is the Master Servicer involved in the transaction of our loan origination as the dates was change and that our original loan was a repurchase We have also concluded that there is fraudulent activity between all parties involved with our loan, this also includes The Law Firm of XXXX XXXX, XXXX as the debt collector for each attempt of foreclosure of our loan. This also may be construed by us the borrower that you may knowingly or unknowingly be involved with this elaborate scheme of racketeering which is called XXXX and the failure of XXXX in this well designed package of laundering the funds. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as consumers to request verification of all assignment, and the acknowledgement of who XXXX XXXX XXXX is as the agent of MERS that was involved with the FDIC insurance paid out on loan.An XXXX Known that these entities share in a very elaborate scheme of theft. Banks committing fraud upon the courts by stating they are the Holder and Owner of the Note- when in fact -they do not own or hold the " original '' tangible Note. Creating fictitious documents { Assignments, Affidavits, and Power Attorney etc } Request homeowners to submit and resubmit loan mod paperwork multiple times that pays the bank {$1500.00} each time. Falsely claiming legal standing by use of names such as Trustee, Assignee, Nominee, Beneficiary, etc.Using fraud, false statements and evidence to invoke the jurisdiction of the court ; Preying on the ignorance of the court and homeowner ; Deceptively convincing borrowers to agree to unfair and abusive loan terms or systematically violating those terms in ways that make it difficult for the borrower to defend against ; Took out forced-placed insurance on property they did not own Altering/modifying loan terms without the legal authority to do so ; Falsely claiming Pooling & Servicing Agreements, industry standards, rules, guidelines or other industry-authored writings supersede the law ; Failing to follow XXXX, SEC and regulatory guidelines ; Using fraudulent means to obtain AAA-ratings on " XXXX loans '' ; Robo-Signing legal documents without review or the legal authority to do so ; Feloniously claim XXXX tax-exempt status ; Falsely claimed tangible Notes were transferred to the Trusts ; Participate in the active concealment of origination fraud ; Converted paper Notes to digital images with no law to support it ; Destroyed original Notes to, cover-up origination fraud ; Backdating legal documents ; Filing forged/faked documents in courts and public land records ; Ignoring customer complaints and " qualified written requests '' ; Embezzlement ; Racketeering - XXXX ; Creating additional false deficiencies through a variety of questionable practices ; Grand Theft ; Tax Fraud ( XXXX ) ; Money Laundering ; Insurance Fraud ; Securities Fraud ; Statute of Frauds Constitutional and Civil Right violations ; Notary Fraud and Theft of Government Services. | ||||||
| 07/06/2022 | Yes |
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| This is to inform the CFPB of the information given to me on XX/XX/2022, I find this very disrespectful that a multi dollar company provide me with a Contract that is hardly visible to understand JPMorgan Chase you should be ashamed for providing this information to me. But just to inform you of the laws requirements. 1006.34 Notice for validation of debts. Follow with 34 ( a ) Validation information required. and not to mention that this account. has an insurance of in case me as a consumer is protected in case the account goes in faults, I also notice the violation on this contract During the purchase of this vehicle the annual percentage is 10.64 show me how you calculated the manual percentage on this vehicle. 12 CFR Appendix J to Part 1026 - Annual Percentage Rate Computations for Closed-End Credit Transactions ( 3 ). I also was asked to put down for {$1800.00} I would like to ask JPMorgan Chase auto finance to return the {$1800.00} down payment giving when I did not have to put a down payment. the vehicle finance amount was. XXXX. XXXX Financed. The total sale price cost of the purchase on credit including my down payment is XXXX Which this should cover this vehicle also not including the charge off of this vehicle if this vehicle was a charge of why it has a balance Correct me if I'm wrong This account is consider gross not income explain to me how this account is a charge off if you have not provided the proper verification. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Specific Instructions for Form 1099-C The creditor 's phone number must be provided in the creditor 's information box. It should be a central number for all canceled debts at which a person may be reached who will ensure the debtor is connected with the correct department. Do not file Form 1099-C when fraudulent debt is canceled due to identity theft. Form 1099-C is to be used only for cancellations of debts for which the debtor actually incurred the underlying debt. File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more if : File Form 1099-C if you are any of the following. 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). 2. A credit union. 3. Any of the following, its successor, or subunit of one of the following. a. Federal Deposit Insurance Corporation. b. National Credit Union Administration. c. Any other federal executive agency, including government corporations. d. Any military department. e. U.S. Postal Service. f. Postal Rate Commission. 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. 5. A federal government agency including : a. A department, b. An agency, c. A court or court administrative office, or d. An instrumentality in the judicial or legislative branch of the government. 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. | ||||||
| 01/10/2017 | Yes |
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| First Charged- XX/XX/2016 We called in immediately to report the fraud charge and were told to wait until the charge posted. We called back on XX/XX/2016 and spoke to a gentleman who was not in the Fraud Department. He stated that the Fraud Department was closed but he would assist us with processing the dispute. We called back the next day to confirm that the dispute was processed correctly. The lady we spoke with stated that he classified the dispute incorrectly. She correctly processed the dispute and assured us that we did not need to submit any information. On XX/XX/2016, we logged into our statement and the {$1800.00} charge was rebilled with no notification. We called Chase and they claimed they tried to call us- which never happened. We told them we wanted to redisbute the charge were instructed to provide this statement. On XX/XX/XXXX, we went to XXXX XXXX XXXX to rent jet skis for one hour. Before we were allowed to take the jet skis out, we filled out paperwork with contact information and a release of liability. We also initialed a damage waiver, stating that we would cover any damages that we caused. This information was completed prior to inspecting the jet skis or being allowed to take them out of the dock slip. We were also told we had to provide our credit card and driver 's licenses for the vender to hold while we were riding the jet skis. We then went over to the jet skis to begin our ride. When I ( XXXX XXXX ) was shown my jet ski, I noted that it was covered in rips, tears, scuffs, and other damage on the seats as well as sides of the jet ski. I looked at the vendor. He stated for me not to worry, they will not " nickel and dime " us for damages. He also said the jet skis were going to be taken to a shop to be winterized and all the vacation season 's damage was going to be repaired. He stated that he had a " buddy '' that would be doing the work cheaply and laughed. At this point, he was very jovial and made multiple references to not worry about existing damage. He said not to worry, he would not put me on anything unsafe. Upon return, efore I reached the dock, the vender started yelling at me that I had damaged the jet ski. He pointed to the side and said that I caused the damage and that he would never have sent me out on that jet ski. I asked him if he was serious and stated that the damage was there before I took the jet ski out. We went to the dock area where he had a cabinet containing our forms and credit card.. He said he was going to charge us first for the ride, which was approximately $ XXXX.He swiped the card then handed the iPad to XXXX to sign. XXXX looked at the iPad and noted that the charge was for {$500.00}. XXXX asked why the charge was so much.The vendor said that this was for the damage and that he was doing us a favor by charging us only {$500.00} ( shown as a temporary charge on our card ) instead of the full {$1800.00}. He said we signed a paper, stating that he could charge us {$1800.00} and that as the owner to charge whatever he wanted. We again stated that we did not cause the damage and XXXX stated that we felt we were being scammed. The vender ripped the XXXX from XXXX 's hand and said " you know what, you are right, I am going to charge you the full {$1800.00}. '' He reswiped the card. We stated that we did not authorize that charge. He said that it did not matter, he was the owner and would charge us whatever he wanted. He said we could dispute the charge if we wanted, but that the bank would side with him because he is the vender. He then signed the {$1800.00} charge. We said that he can not sign for us and he said that he could because we had signed a paper earlier agreeing to an {$1800.00} charge. He rang up the cost of the ride and said that we can sign it or not, that he was going to charge us either way.. We promptly left, given that he was being hostile. This is a scam. | ||||||
| 01/31/2023 | Yes |
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| I was contacted by an XXXX merchant by the name of XXXX on XX/XX/XXXX, in response to a link I clicked on to get more information on business funding. I was told that I qualified for a business line of credit in the amount of {$26000.00}. XXXX XXXX ( XXXX ) then put his XXXX on the phone by the name of XXXX XXXX XXXX ) who proceeded to further explain the details of line credit stating, It would require closing fees in the amount of {$16000.00} and I would pay that on what he called a performance loan. This was to insure my company would be reported to XXXX XXXX XXXX and it was standard procedure for these types of credit line contracts. He then proceeded to state that the performance contract could be paid off early and that it needed 3 days for the reporting to convey, however, I could pay it in full as of XX/XX/XXXX. So they proceeded to send me a contract via XXXX with XXXX XXXX XXXX XXXX XXXX agreement in its title. I was told to sign this agreement after transferring at least {$20000.00} into my business checking account, also while simultaneously signing the Line Credit agreement from XXXX XXXX XXXX in the amount of {$490000.00}. So I proceeded to transfer the Funds from my XXXX account to my chase personal to by Chase business. In completion of transferring {$19000.00} into my business checking account, XXXX contacted the representative from XXXX Funds to proceed with the final interview. XXXX called back stating he received my contracts for the Line of Credit and the " XXXX XXXX '' and to be on the lookout for a phone call from a XXXX number. See next paragraph Someone From underwriting XXXX XXXX called me from a ( XXXX ) number stating this was an official interview to finalize the contract. He continued to ask me a series of questions about my identity and ownership of the company. He finalized the review with an official audio recording and said congratulations. It is very apparent that the two were in sync because as soon as I hung up the phone XXXX called and said everything went well, he also stated I would receive the money in the Morning XX/XX/23 in the amount of {$1400.00} and pay the balance of the contract in full in the amount of {$29000.00} by Monday morning XX/XX/23. I received a wire of XXXX on XX/XX/23 from XXXX funding into my chase account, then waited until Monday morning to wire out the {$29000.00}. That morning ( XX/XX/23 ) I called XXXX who sent over wiring instructions via email to pay off the loan in full. He confirmed with me that they received the receipt of the wire and that he also was able to get me approved for a bigger credit line ( {$990000.00} ). He proceeded to tell me that I would need to do another performance loan in the amount of {$22000.00} which would total a net {$12000.00} to close on the additional funds. I was very uneasy at this point and did not want to proceed. However, XXXX was very persistent in stating his investors would be spooked if we went back on the original amount. He said the only way to close the credit line at this point was to do the performance contract. This time the Purchase Agreement came from XXXX XXXX XXXX. In the amount of {$22000.00}. He stated they would send me XXXX and I could pay that off by Wednesday and any all fees would be credited back on the line of credit. I signed the Contract for Purchase Agreement and the New Recvised contract for the Line of credit and received a call from XXXX to interview me for the new funding amount. I completed the questioning process and he stated I would be funded in the morning XX/XX/23. I called back after giving it some thought and told the guy from the XXXX to cancel the Purchase agreement. He then told me he would waive fees if I just sent the money back tomorrow as " he would be doing me a fovor. '' These Guys have my social, drivers lic, Bank statements, address, and all kinds of other personal information. | ||||||
| 10/26/2016 | Yes |
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| We decided to take advantage of a home equity line of credit with Chase to do some home repairs, as we have our mortgage loan through them. We have great credit, pay our payments on time. And, we decided to get some things fixed - nothing major but necessary. We got an estimate of roughly $ XXXX for repairs, upgrades, landscaping. However, this journey started with us not being able to get the small ( {$50000.00} ) we wanted without also throwing in our car loan and credit card debt ( {$12000.00} ) to get a reasonable rate. So, we did and now have a HELOC of {$97000.00}, not needed but got us a lower rate. During final negotiations, we were asked if we wanted to link our HELOC loan to our mortgage loan for payment. And, we said no - why use a loan to pay another loan? A month later when we paid our mortgage ( {$2100.00} ) online, we did not discover til after paying that our HELOC loan was the default payment method - which we specifically requested it not be. So, we called Chase. They gave us such runaround - over 60 minutes on the phone. Told us we could " easily '' remove the HELOC as payment method, which was not easy. And, they said a " special request '' to reverse the HELOC payment was submitted. So we paid again via our bank account to stay in good standings. Today, I went online to make another payment, and discovered that the HELOC payment in XXXX had not been reversed, no credit for double payment. And, the amount was still showing on our HELOC gaining interest for Chase. So, I called again to inquire as to the status of our HELOC loan being credited back the charge. She said she could not reverse it. I told her we were assured it would be since we did not set up our payment method this way, that Chase had done it. She said we pay via chase.com, which Chase does not manage. So, it can not be easily reversed ... .at this point, I had had enough. I told her that it was Chase 's error not ours, and it was on Chase to fix. She went offline to speak to someone. She returned and said they would either send me a reimbursement check in the mail for {$2100.00} or if I open a checking account it could be deposited there. We declined and indicated that these options were not acceptable to resolve an " error '' by Chase. She tried again to get me to open a checking account and I refused. I told her that Chase needed to find a way to reverse the charge that they said they would in XXXX along with any interest they have gained from this additional charge on the HELOC loan. She said she did not have the authority to offer any other options so we demanded to speak to someone that could. The entire story was regurgitated to a " senior specialist ''. She said that Chase could not offer to pay the mortgage with the HELOC because that is " whirlpooling '' but that is exactly how Chase set this up ... .pay one loan with another. And when we found out, we have had to go through all this grief, time, and energy to get it fixed - TWICE! And, we are pressured to open a checking account to get our money back - would that be considered " whirlpooling ''? At this point, we have been told that it is difficult to reverse but it is under " special review '' ( again ) and should hear something in 72 hours - no guarantees. Why did this not happen the first time? Why do we have to monitor to make sure they follow through? Why are we " obligated '' to open another account to get this rectified? How do we get the interest charged credited back also? Historically, this is the second time they reportedly " in error '' took double payments from us due to a glitch on their chase.com website - which apparently they do not manage - and last time, it was too much to fight. We are fed up, angry, and are considering refinancing to get away from Chase. It is slimy practices that leave us as consumers feeling so frustrated and helpless. Can we do anything? | ||||||
| 11/29/2015 | Yes |
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| On XX/XX/XXXX, I was looking for someone that can teach my how to make money online through XXXX XXXX, and on or before XX/XX/XXXX, I found XXXX named XXXX XXXX. He lives in XXXX XXXX. After dealing we agreed that he will teach me all he knows about XXXX XXXX for {$400.00}, so I sent him {$410.00} with transferring fee included on XX/XX/XXXX, and {$52.00} for a XXXX XXXX account. He kept asking me to buy his XXXX XXXX also, and showed me proof that he has been making money with his XXXX XXXX. So we made a deal, he told me to send him {$1500.00}, which I made it into XXXX transactions, XXXX is {$1300.00} and the other XXXX is {$150.00}. I sent him {$1300.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX, both transactions were sent via XXXX. ( Please note that date of transactions are different between Chase and XXXX ). I have done business with foreign people before, so I knew that it would take only 5-7 business days for the money to get to their bank account in their countries. However, a week later I came back and asked XXXX XXXX if he received the money, he told me he did n't see the amount of {$1500.00} in his bank account, then 2 days later, I asked him to check again, and he said he got bad loans before, and the bank might have taken away these amounts of money. I was really upset, and went on XXXX to open a claim, the amount was {$1500.00}, when he found out I opened a claim, he finally gave me the Administration for the XXXX XXXX that I wanted to buy, but I did n't know that he 's got full permission to this Page, such as he could remove my Administration whenever he wants, because he converted the XXXX XXXX from a regular XXXX XXXX account, so he had a login name and a password to the Page. So I closed the claim after he gave me the " Temporary Administration which he could remove anytime ''. After that, he told me that he could help me make the content for this Page, and help me get more traffic and earnings for my XXXX XXXX account. He asked 30 % commission, he did help me get more traffic and earnings, but not a lot, several dollars a day, sometimes several cents. Then I found out he was using my XXXX XXXX for his own purposes, because he kept posting links to his websites on my XXXX, so I complained about it. After that, he removed my name from the Administration list, using his login and password to the page. I was scammed by him, so I called Chase to open a dispute, to be honest, the guy that helped me open the claim spoke too fast, I just came to XXXX 4 years ago, so my listening skill is n't very good, I thought everything would be fine, but I opened my email, and saw Chase sent me an email stating the reason for my claim is Unauthorized Charges, I called Chase again to adjust the reason to " Item Not Received '', However, this Friday night, I received an email from Chase stating that they refused to give me back my money, so I called Chase to find out why they refused, they said that I have done business with XXXX XXXX before. It is true, I have done business with him before, because I had to send him {$410.00} so that he could teach me how to make money online. This is where Chase got confused and refused to give me back my money. Other than that, I never did business with him before XXXX, 2015. So I called XXXX to see if they can reopen the claim that I already closed, someone at XXXX helped me reopen the case. But this morning which is XXXX/XXXX/2015 Sunday, I opened my email and saw an email from XXXX saying that once I closed the case, they can not reopen it, so they refused to resolve my case. Both Chase and XXXX, asked me to provide supporting documents but I do n't have one, because this happened online. After all that, I was really frustrated, and did n't know what to do because I lost my money, it is fine if it was just several dollars, but it is {$1500.00}. This is my hard working money, Please help me | ||||||
| 05/11/2016 | Yes |
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| I Dear Consumer Financial Protection Bureau, I am writing because Chase after eight months continues to mismanage my mortgage account. Chase is falsely and without merit changing the amount of my mortgage payments without reason or without explanation. They are applying funds that should go to escrow to my principle balance, increasing the monthly payment outside of the window of time for an escrow adjustment, and not taking the time and urgency to resolve the issue. In the fall my total mortgage payments increased by {$74.00}. However, in the escrow analysis the total amount was supposed to go up only {$52.00}. From the fall to spring my mortgage payment increased to {$2300.00} but XX/XX/XXXX it decreased to {$2300.00} without warning or explanation and is changing again in XX/XX/XXXX to {$2300.00} +/-. When I review my mortgage payments the total amount paid to Chase 's escrow is {$3800.00} this does not include escrow payments made to XXXX prior to chase taking over the loan. My new taxes ( {$1400.00} twice a year ) and insurance {$770.00} add up to {$3700.00} and I 've paid {$3800.00}. Something is not right if my mortgage payment is increasing when the my average monthly escrow payment is {$330.00} x XXXX= {$4000.00} and my bills to insurance and taxes are less than that {$3700.00}. I requested an escrow analysis and the escrow analysis had a LOT of errors. Chase cited $ XXXX+/- in taxes paid to the county but I live in Washington, DC and we do n't have counties. They also cited Chase had to pay " an unexpected tax payment '' in the fall but there is nothing unexpected about paying fall and spring tax payments every year for 9 years. Furthermore, when looking into Chase 's fuzzy escrow math there are a lot of peculiarities for example they cite I made two escrow payments in XX/XX/XXXX ( but I only pay once a month ( e.g. XXXX XXXX and XXXX XXXX two escrow payments of {$330.00} are noted in my file ). Worse, Chase notes a series of odd payments for 1 ) Escrow Recovery payment on XXXX/XXXX/2016 for - {$170.00}, 2 ) Escrow Recovery payment XXXX XXXX - {$330.00}, 3 ) another one on the same day for a different amount : Escrow Recovery payment XX/XX/XXXX -XXXX, 4 ) Escrow Advance Recovery XXXX XXXX XXXX, 5 ) Escrow Advance Recovery XXXX XXXX - {$85.00} and on XXXX XXXX Chase cites an Escrow advance for {$1700.00}. All these charges and subtractions and additions are impossible to follow and understand. I 've been working with XXXX XXXX at Chase since XXXX XXXX and despite XXXX saying my escrow analysis was " complete '' nothing has been resolved. I also see a series of monthly payments being applied to principle that are not authorized. There is no movement and now my payments are increasing again without explanation on the Fall increase. I understand that taxes and home insurance causes increases but my total charges are only increasing by about {$330.00} a year and Chase is collection over {$1200.00}. Please note I 've submitted at least XXXX complaints already about Chase. Prior, Chase did not recognize a mortgage payment and it took seven months to rectify, they charged me false late fees, and they illegally reported negatively on my credit. Those issues have been fixed but it has taken eight months and dozens and dozen of phone calls. Chase 's mismanagement is illegal and predatory. I do n't understand how a US business can operate this way. I am paying them 5.2 % interest to manage this account ( about $ XXXX in interest a year ). I 've spent about {$17000.00} of billable hours just dealing with them. I get paid {$150.00} an hour and that is equal to 113 hours ( about two and half weeks ). I 've spent about five times that amount of time working with them. Chase needs to be punished. Working with them is torture. Please help end these exploitative lending practices. I am grateful for what the CFPB does. Thanks, XXXX | ||||||
| 11/11/2015 | Yes |
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| I have been disputing this matter for several years and I am tired and frustrated with dealing with it and desperate to receive a satisfactory resolution. Please see the following for my storyThe XXXX XXXX XXXX was the law firm that was representing me with my case against JP Morgan Chase Home Finance. There was even a case filed in the XXXX XXXX Court in MD against JP Morgan Chase regarding this property and matterBelow is my story that had taken me to the point of where I ended up with The XXXX XXXX XXXX representing me against the mortgage lender that erroneously foreclosed on our property and evicted me from my home. I have written to Chase Home Finance numerous times regarding a serious matter with our account and have yet to receive any satisfactory resolution. Going on approximately four years ago we initiated a request for a loan modification on the first mortgage of our home. The home is in my fathers name and I have complete authorization to discuss the account so that is why I am writing. Initially I attempted to proceed with obtaining the modification on my own since I was told that is was possible to do. Since I was not getting any cooperation and basically getting the run around about the request I had given up. I was told to send this and send that and do this and do that. I fully complied to all of the requests but never got any where. So in my disappointment with the lack of results that I was receiving I obtained a real estate attorney for assistance in obtaining the modification. It has still been several months and it seems as though even with the assistance of my attorney we are still just getting a run around. We were being asked for the same documents over and over again but once they get submitted still nothing gets done about the request. We have paid off the second note of over {$50000.00} and have even attempted to keep paying the " temporary payments '' but then was told that they can no longer be accepted because the loan was under review for a modification. Well, I thought that was why they were " temporary payments '' It seems that even though we paid the second note completely off and we are cooperating fully with the requests for documents ( over and over again ) it does n't count for anything. All we were asking for is a loan modification to reduce the monthly payments to make them more manageable and attainable. We were asking for the payments to be between {$800.00} - {$1000.00} per month. Since the second note has been completely paid off we do n't feel that this is a impossible request. It has gotten to this point where we were told that the house was going to go up for foreclosure/sale. On the morning of the scheduled sale date my attorney received a phone call from a representative at Chase Home Finance informing them that " the sale was stopped '', they even have this on a recorded at their law firm. Instead the sale went on and the house is being foreclosed on. I was simply writing to request that the foreclosure be rescinded and that Chase Home Finance will simply honor our request for a loan modification on our home. We even received numerous mailings from Chase Home Finance asking us to apply for a loan modification. Again, all we were asking for is that Chase Home Finance rescind the foreclosure and that they PLEASE honor this request so that we can resume our regular payments and be back in our home. I have written to JP Morgan Chase numerous times to try to get our request approved for a loan modification so we would save our home and all of our requests to either speak with someone or plead our case was ignored and all we received was computer generated letters and then denial letters without having all of the details. We did n't receive any real contact until I wrote a letter to our local congressman, XXXX XXXX. That is the time that they basically accused me of lying .... | ||||||
| 08/19/2015 | Yes |
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| In XX/XX/XXXX I received a home equity loan from JP Morgan Chase for {$150000.00} ( later reduced by them in XX/XX/XXXX to {$100000.00}. For 9 years I paid {$30000.00} in loan payments and in XX/XX/XXXX with the ongoing financial hardship caused by the Great Recession ( and in my industry, the collapse of Borders ), I submitted documentation for a loan modification to my interest-only loan. I was paying {$270.00} a month that was primarily an interest payment. For 10 months I diligently submitted over XXXX pages of documentation ( tax returns, financial worksheets, profit & loss statements ) and was assured by XXXX Chase specialists that all of my documentation was complete ( per their own Status Report ) and my modification was " virtually automatic '' since I had already received a modification from my primary lender XXXX XXXX just before starting the process with Chase. XX/XX/XXXX I wasinformed that " due to a processing error '' my modification. was now in the " loss mitigation '' group. My calls for an explanation were not returned until I received a call on XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX of the " loss mitigation '' group and they proposed " a better deal '' i.e. if I paid {$45000.00} then Chase would release the lien and cancel the outstanding balance. XXXX XXXX suggested I " make a few calls '' over the XXXX XXXX weekend and get back to him. I have never in all of my adult/consumer life experienced such a " shakedown '' and tone by Chase ( or any bank/lender ) that I was a criminal. Since then I have been negotiating with Chase over a settlement not a modification. I would not have applied for a modification if I had a lump-sum payment for Chase. The current amount they are demanding is {$16000.00} or {$19000.00} over a three year period with monthly payments of over {$500.00}. But here 's the real 'kicker ', XXXX XXXX has acknowledged that Chase has " already charged off my loan ''! and I can not go back to modification. XXXX XXXX calls with demands that I get ready to sell your home ''. I 'm XXXX years old. I 've raised my sons ( now XXXX and XXXX years old ) in my home. Chase has caused extreme XXXX and XXXX due to their mishandling of the modification - which I now feel has been entirely intentional and deceptive. Chase never intended to modify my loan. Instead, they wanted to draw out the process to the point of my exhaustion/frustration so they could " charge-off ' the loan and writ-off the loss which is their corporate strategy. All of this is very well documented - all the dates, names of Chase employees, all the letters/status reports showing I had submitted everything ( sometimes up to 3-4 times ). Now Chase is demanding a settlement by XXXX XXXX of at least {$16000.00}. I have proposed a settlement of {$10000.00} over a three or five year period. Chase loan # XXXX. XXXX XXXX XXXX # XXXX XXXX ; supervisor XXXX XXXX XXXX and the signator on the latest offer to " settle and let 's work together to find a repayment plan that 's right for you '' is XXXX XXXX XXXXI have a complete summary of all of my calls/timeline/documentation that I submitted to Chase on XXXX XXXX ... it is attached with the follow-up reports/counter offers to settle based on my modification documentation. XXXX XXXX however refuses to access these documents. They responded however by lowering the settlement from $ XXXX to the current $ XXXX I love my home and have taken great care of it for over 14 years. It is my 'retirement ' home and also the home-office of my company which I started to be at home to raise my sons. I have never in all my adult years experienced the virtual " shakedowns '' from a company that had described me as " an excellent customer '' with " an excellent credit history '' which has now been significantly compromised by Chase/the never-ending modification process which they never intended to be complete. | ||||||
| 06/05/2015 | Yes |
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| I have a home loan through CHASE. I got laid off from work in XXXX. I received a loan modification XXXX, and laid off from my job XXXX, received unemployment from XXXX until XXXX. I was brought back to work XXXX making same amount, but working less than 20 hrs. a week. I notified CHASE re : my employment situation immediately. I was told I can receive assistant for being laid off. I was out of work and finance from XXXX until XXXX. I received a full-time job XXXX making more XXXX hrs a week with benefits. I re-applied for the Hardest Hit Funds here in XXXX in XXXX. This program gives assistance to homeowners that are struggling with their mortgage with Hardship. I was approved of assistant from them of XXXX debt free, as long as I stayed in my home for XXXX yrs, and meet their requirements. I was accepted in in XXXX XXXX with me owing less than XXXX dollars of my rearage on my mortgage payments. I 'm currently not in foreclosure, nor are their any Attorney fee 's. My only obligation was to bring the remaining {$4000.00} to total the {$16000.00} to get my mortgage current. CHASE has been sending me my mortgage statements saying I owe less than {$16000.00} for re-instatement, I talked to the escalation department with CHASE and I was told again by XXXX different reps. I only owed less than {$16000.00} dollars. Hardest Hit Fund contacted CHASE to get the re-instatement amount so they could wire them the funds of {$12000.00} to get my mortgage re-instatement. A CHASE rep told them I owed {$20.00} in payments. Hardest Hit Fund contacted me thru my counselor XXXX XXXX thru XXXX XXXX XXXX XXXX reports that I owed {$20.00} to get re-instated and I would need to bring {$8000.00} instead of the {$4000.00} to bring my mortgage current. Prior to this I faxed the CEO XXXX XXXX of CHASE explaining and pleading that they will place my rearage in back of my loan, or make affordable payments so I would n't lose my home. I offered my whole tax refund for XXXX, and XXXX. I denied for giving up all my tax refund, and placing the rearage in the back of my loan. Reason was I did n't make enough money, and I was ineligible for another modification. I explained to Hardest Hit Fund I was unable to come up with the {$8000.00}. I explained to them there was some inaccuracies with the correct amount. My statements says I owe less than {$16000.00}, and all the CHASE rep states I owe the same. I 've written down every person I 've dealt with CHASE. I called back to CHASE Corporate office in XXXX and spoke with a XXXX XXXX Executive in CHASE who order a balance of my late payments. XXXX XXXX called me two days later and reports she order a pay off, by mistake and she would need to order a lay payment reports. I explained to her the more the days goes by the more I 'll have to come up with in funds. I explained to her I 've been saving all my money compromising to save my home. I explained to her I 've been trying to give CHASE ALL my money, but they refused to take it. All or none. So I 've been saving all my money. XXXX XXXX called me XXXX days later after ordering the wrong report and tells me I still only owe less than {$16000.00}. I was relived because that gave me conformation that I can still get assistant thru Hardest Hit Fund. XXXX XXXX asked if there 's anything she can do to expedite her finding. I asked if she call, and fax over all necessary documents to my counselor XXXX XXXX and Hardest Hit Funds where I can get the assistance. XXXX days later I was told by XXXX XXXX she gave me the wrong amount of what I owed. She report I owed {$20.00} and my counselor from the XXXX XXXX XXXX will call me with the reasons : My heart dropped with agony. A XXXX later Hardest Hit Fund suspended my funds until CHASE figure out how much I owed. I was told I owed {$3500.00} in escrow, and XXXX in a corporate fee. I get a call from CHASE reps saying I still owe XXXX | ||||||
| 02/08/2017 | Yes |
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| XXXX I most definitely do not agree with the statements made by the bank and its Executives. I have been constantly lied to by Chase and its representatives. Although only my deceased husband name is on the loan, I was required to sign the closing documents. Case in fact, Washington Mutual sent a fax at closing, indicating that if the wife does not sign, the loan ca n't take place. Under the XXXX act and the obligator, I should have been sent every piece of correspondence in my name that my husband received from the bank. This did not happened. I sent in financial information to the bank every time it was requested in order to satisfied requirements, I should have been offered a modification and not an Assumption. If the bank can use the deed to bring suit and my name is all over the closing documents and by financial information was used to secure the loan and modification, then why am I not offered a modification. Chase bank sent information to my lawyer indicating that since XXXX the law has changed and that I will be granted an assumption. In one letter the bank sent a statement indicating that I have to pay over {$53000.00} in order to bring the account current and in another letter they indicated that on XXXX XXXX, I will pay a little over {$1600.00} which includes escrow. And if I pay {$1900.00} then my payments will be {$1400.00}. This highly misleading and ambiguous. The bank also indicated that the foreclosure proceedings has been suspended. However, I just received a letter from the bank attorneys indicating that they need more time to respond to my lawyer letter. So what is it. Is it another lie. If not why is the bank attorney from XXXX XXXX who has brought suite still sending me correspondence. This is indeed breaking the law and misleading again. The bank has constantly broken the law on this account. My husband died of XXXX caused by XXXX from by the bank. Years of lies perpetrated by the bank has caused my family dearly. I have an attorney and the bank is aware of that, yet I receive correspondence from then. The bank attorney know that I have a lawyer, yet I 'm sent correspondence to my home. The bank and its attorney continues to break the law and nothing is done. I requested the hello and good bye letter from Chase bank back in XXXX and then again in XXXX and I have yet to receive what I have requested. Now the bank can offer me an assumption, although in XXXX my attorney was told that the bank was not offering a modification or an assumption. Once again, what has change and where is the documentation indicating that change took place, and who is now the investors and where is my hello and good bye letter. Please stop letting the banks and its attorney 's continue to skirt the law. The bank claims that they requested information and it was nit sent. My question to that is, why would the bank reps inform me that the file is with the underwriter back in XXXX, if the file was not complete. I paid an organization {$820.00} to complete the paperwork because I got tried of the bank requesting information over and over again. Now the bank hides behind, we offered her a modification and an assumption but the paperwork was not completed on time. The bank in essence has lied repeatedly and continues to this day. The law is the law and they should be held accountable. I 've requested numerous documents from the bank and they continue to request more time to review the documents, while they file for foreclosure, while I 'm filing an appeal. Then they serve me papers and then send information that your bank can help you, after the fact. Then have the XXXX XXXX send papers in your deceased husband name saying that the information was provided by the bank to offer remediation. Chase has trampled all over my rights and continues to break the law under the Dodd Frank Act. When will this end. Have n't the bank taken enough. | ||||||
| 03/26/2015 | Yes |
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| My co-op loan was originally made with XXXX XXXX Bank, and is now held by JP Morgan Chase. My payment due date is the XXXX day of the month, but I have a 15 day grace period and can pay by the XXXX of the month without a late fee. Historically, if the XXXX fell on a weekend or holiday, I was allowed to pay on the following business day without penalty. I have recently been making payments online through the Chase website. I had a problem where I was charged a late fee for the XXXX XXXX payment. Since XXXX/XXXX/XXXX was on a Saturday, I scheduled the payment for the following Monday, XXXX/XXXX/XXXX. The bank 's mortgage department is run incompetently. They issue late fees on the XXXX even if a payment is scheduled in their system for that day. Once the payment is processed and they realize it was paid on time, the late fee is removed. I thought that the bank made an error and mistakenly failed to remove the late fee. I called several months ago and was told that the fee would be removed. I thought they removed it and made the same mistake again and charged me another late fee. When I called on XXXX/XXXX/XXXX to inquire, I spoke to XXXX XXXX XXXX working in XXXX, LA. She informed me that this was the late fee from the XXXX/XXXX/XXXX payment, and it was n't removed. XXXX XXXX explained that the late fee was valid, saying that their payment processing center is open on Saturdays, and that if the XXXX falls on a Saturday and they have n't received payment by that date, they charge a late fee. She said that the grace period is extended only when the XXXX is on a Sunday ( and presumably bank holidays as well ), because their office is closed. I checked my loan agreement, and it did not mention additional grace period days when the grace period is not on a business day. But I think what Chase did was improper, for the following reasons:1 ) This was a change in policy. I do n't know if the policy was in effect when Chase took over my loan in XXXX XXXX, or if they changed it sometime after that. But I do know that for my loan, the policy changed, and I was not notified of this change. Without written notice, the policy change should not apply. I had no way of knowing about the change. 2 ) While their payment processing center may be open on Saturdays, I 've been paying my bills on their website, and they do not accept payments on Saturdays, Sundays, and holidays. If permitted, I will attach or email screenshots showing that it is not possible to select a Saturday as a payment date. 3 ) I suspect that allowing a longer grace period on days that the bank does not accept payments is done for legal reasons, not because the bank is nice. Perhaps having a processing center open to receive mail fulfills this requirement, but most people do n't pay their bills by mail anymore. For all I know, they could have a tiny office with a single employee, just to take in the mail, for the sole purpose of scamming people and charging them late fees when they do n't pay until the following Monday. 4 ) There are no rules explaining this policy on the website. It says that payment must be received within 15 days of the due date. But on the website, I ca n't schedule a payment on either Saturday or Sunday. How am I supposed to know that if the XXXX is on a Sunday, I can pay on the XXXX, but if it is on a Saturday, I have to pay on the XXXX? There is nothing that says anything about this. Why does n't Chase allow me to schedule a payment on a Saturday if they process payments on Saturdays as they claim? The only answer is that they are running a scam to charge late fees to unsuspecting customers who think that the grace period is extended to Monday because the system does n't accept a Saturday payment. Please force Chase to rectify the situation for all customers. XXXX XXXX said that my late fee was waived as a courtesy, but I paid on time. | ||||||
| 09/15/2023 | Yes |
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| Below is a summary letter and request I delivered to Chase. At the Chase branch, around XXXX XXXX XXXX XX/XX/XXXX, I was placed on a call with a back office operations representative named XXXX who stated he could not tell me the status of the amendment or recall and that it could take 8 business days for Chase to review ( as opposed to the 24-48 hours a prior rep had stated. ) I requested an escalation point and he refused. I requested contact information to submit a complaint and he said he was it ( and when I said there should be another contact, like an ethics line, he refused to provide it. ) I asked if there was a way for me to obtain a copy of the recorded call that were were on and he said no. I asked if he could provide contact information for me to provide a formal notice to Chase and that was also denied. Re : Wire Transfer XXXX To whom it may concern : I initiated a wire transfer XX/XX/2023, from my XXXX account to a Chase account. Later the same day, I realized that I had transposed 2 digits on the intended recipients account number and immediately contacted XXXX via phone and secure message center. I am seeking a status update on the wire amendment and recall mentioned below and clarification on Chases process for handling these issues and the expected timeline to resolution. I also request Chase examine how this wire transfer was completed when the full name and account number ( with business name noted in the wire ) could not have matched the unintended recipients name, business name, and account number, and explain how wire transfers complete in violation of your policy ( per the Chase representatives statement below ) are addressed. By way of background, On XX/XX/2023, the following took place : I called XXXX at XXXX XXXX XXXX advised they could issue an amendment to rectify the issue. XXXX issued an amendment to the wire transfer at XXXX XXXX XXXX suggested I reach out to Chase and notify Chase of the issue. I called Chase and spoke to a representative at XXXX XXXX XXXX. This Chase representative explained that if the information on the wire transfer did not match, the wire would be rejected. She stated it is Chases policy to verify that the name and account numbers match and to reject the wire if there is an error. In this case, the name of the intended recipient would not match the name of the unintended recipient. On XX/XX/2023, the following took place : I called XXXX at XXXX XXXX XXXX for an update. XXXX advised me that they had not received any communication or update from Chase and suggested that I reach out to Chase directly. I called Chase at XXXX AM EST and was informed Chase will not provide me any information about the wire because I am not the intended or unintended recipient. I reached out to the intended recipient, XXXX XXXX, and requested she contact Chase for an update. XXXX contacted Chase. Chase informed XXXX that the wire had already been deposited into an unintended recipients account despite the wire information not matching. Chase does not provide her with any recourse. I call XXXX again to convey what Chase told XXXX and check the status of the amendment. XXXX informs me there is no update from Chase. Today, XX/XX/2023, the following took place : I called XXXX at XXXX XXXXXXXX XXXX for a status update. This XXXX representative issues a recall at XXXX XXXX based on yesterdays developments. I called Chase at XXXXXXXX XXXX informing Chase of the recall and asking for a status update. I am again told Chase will not provide me any information. XXXX called Chase and was not provided an update. I respectfully request the information noted in my first paragraph. Please note that I am not requesting the personal information of the unintended recipient or of XXXX XXXX, the intended recipient. I can be reached via telephone at XXXX or via email at XXXX. Thank you, XXXX XXXX | ||||||
| 05/14/2023 | Yes |
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| Hi, In XXXX of XXXX, Southwest Airlines ran a promotion where if you purchased a flight within a 2-3 day period of time, and took a flight between XXXX to XXXX, you would earn a companion pass for flights taken between XX/XX/XXXXXXXX and XX/XX/XXXX. I immediately jumped on this because I wanted to take my son to visit my sister in Texas, and this would help me save money. So I bought and took the flight, and earned the companion pass. So the flight I wanted to take occurred on XX/XX/XXXX, the first day of the promotional period. I called Southwest about this maybe a month to a month and a half prior to the trip to explain my predicament to see what could be done. I was told that my companion pass would not be added until midnight on XX/XX/XXXX, and there was no way this could be done in advance of that date even though I had earned the promotion. After speaking with a manager, I was told to book my son 's ticket with my Southwest Credit Card points, and then, on XX/XX/XXXX, call Southwest to cancel that ticket and book my son 's flight using the companion pass promotion that I earned. Doing this would ensure that my son would have a seat and since Southwest miles are always refundable, I would get the approximately XXXX points I spent back. This was an acceptable solution to me as it allowed me to use the promotion that I had earned. Well, there was terrible winter weather during XXXX of XXXX, and Southwest Airlines experienced a major, perhaps catastrophic, disruption of service. It was a mess. So when I called them on XX/XX/XXXX to do as the manager told me, I was unable to speak to anyone at Southwest. In fact, the line picked up to a pre-recorded message that said something to the effect of " We are unable to address customer issues at this time '' and the line automatically hung up. That was a first. So, my flight was that evening, and we went ahead as planned, and I said I'd call the company to straighten things out after I got back. In fact, I waited a couple of weeks to give them time to recover from their debacle. So I called customer service on three separate occasions trying to get my points refunded. Each representative told me they couldn't do anything about this, it had to be sent to corporate to be handled. After several weeks, I received an email from corporate denying my request for the points, and the explanation they gave did not match the facts of my case. So I called back again and explained that Southwest must not understand what happened, I want this situation escalated. Then about two months after that on XX/XX/XXXX, I received this email : Southwest Airlines Response to your Inquiry ( Case # XXXX ) Dear XXXX, Thank you for taking the time to contact us. As a valued Customer, I appreciate the opportunity to respond to your concerns. I reviewed our records and found that confirmation number XXXX was a valid flown flight. While we are unable to honor your request, we are hopeful you were able to take advantage of Fall XXXX Companion offer. We truly appreciate your patronage, and we look forward to welcoming you onboard again soon. Sincerely, XXXX XXXX Southwest Airlines Again, Southwest is skirting the issue. No one is disputing that I took the flight. The dispute is that I earned a promotion that I could not use because their incompetent business operations rendered them unable to provide basic customer service to consumers. The only thing I wanted done to rectify this situation was to have the points that I accumulated by virtue of using their rewards credit card refunded to me as I was told by the manager. I have been fighting with them for five months regarding an extremely simple request. I'm not asking for extra compensation or special consideration or anything. Simply acknowledge your inability to honor the terms of your promotion and refund to my credit card the points that I EARNED. | ||||||
| 06/21/2022 | Yes |
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Web | Older American, Servicemember |
| XX/XX/2022 I applied to refinance my house with my current lender, Chase. It was directed to the office of XXXX XXXX XXXX XXXX in XXXX Florida. The primary reason for the refinance was to consolidate debt, I had replaced a roof, had large oak trees removed, including damage to the house, had the deck fixed when it came loose from the house and replaced a sliding glass door- this was all on my credit card. Repairs to the vehicle had kept my debt high. I had also been maintaining payments on my mortgage, actually overpaying to reduce the principle, my credit and payment history was good. I also requested a loan that would cover my existing debts, which was 66 % of what would be my appraised value. The interior of the house needed work, however the refinance would free up my revenue stream so that I would be able to address. The appraiser identified that my master bathroom had " discoloration '', some water damage and mentioned inspection. XXXX XXXX demanded the inspection, I complied grudgingly since I had intended to have them remodeled, the bathrooms were XXXX XXXX XXXX. The inspector came and stated that the bathroom was old, had some seepage damage around the doors and that the discoloration was because of well water, probably acidic with iron in it, otherwise the bathroom was functional. The following was their response, that they were not satisfied with the inspection. " It looks like they werent satisfied with that inspection, unfortunately. The following came back from XXXX : The Plumbing Inspection received does not address the water damage and potential discoloration in the master bathroom. Inspection to determine the source of water damage in the master bath shower/wall. Inspection to determine what is causing the discoloration/staining of the shower walls, flooring, toilet and bath tub and mediation of the discoloration/staining in those areas. This is not normal wear/tear and requires remediation '' In a conversation with XXXX XXXX XXXX he confirmed I was in a Catch 22 to denial, that XXXX XXXX was going to deny the refinance that would have allowed me the funds to address the concerns. In phone conversations with XXXX XXXX, post appraisal, he said that the bathroom was dysfunctional. After the inspection stating that the bathroom was functional XXXX XXXX kept repeating " but it is dirty ''. I kept stating I know, I need to clear my debt to be able to address the 30 year old plumbing and clean my house. I was thinking my girlfriend is wheel chair bound and I need to remodel these bathrooms and get a cleaning crew in for the house and XXXX XXXX is crying about it being " dirty ''. I also talked to XXXX XXXX XXXX XXXX and contacted Corporate. Apparently this is their policy. In addition to the repairs I had also taken care of my girlfriends medical expenses, incidentals and since then she had gone on social security and XXXX. As a result of Chase 's policies as defined by the XXXX offices of XXXX XXXX and XXXX XXXX this has been put on hold. So as a conclusion I would not recommend Chase for anyone who might have some issues with the place, who had offset their spending to maintain and XXXX XXXX XXXX ( I am a veteran also ), seniors or just someone trying to do a fixer upper. Chase will provide a Catch 22 to denial. In Chase 's request they asked to contact the inspector, I told them that they could, I doubt that they bothered. Neither is there any disclosure of explicit denial, it was all verbal with reference to the attached note. The only concern should have been the money, whether I could make the payments, my credit history and the risk involved with the loan. Not that the house was dirty, I was not trying to sell the place. This Catch 22 to denial suggests class discrimination, because I could not afford some things I was considered of lesser class and should be denied the ability to address them. | ||||||
| 10/11/2021 | Yes |
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| XXXX is not responding to my letters sent more than 30 days ago. My first letter was sent on XX/XX/ no response. 2nd letter sent on XX/XX/XXXX, 3rd Letter sent on XX/XX/ no response from XXXX. It is against federal laws for my requests to be ignored. I mailed a copy of my social security card and utility bill with each letter and still did not get a response.I will take everything I have to court and show how you are violating my consumer rights and damaging my character. I am tracking and documenting all of my correspondence to this company and have proof you continue to ignore federal law!!! This is my fourth letter to XXXX of which the previous 3 have been ignored and you continue to report inaccurate information and unverified accounts on my credit report. I am prepared to start litigation if these accounts are not deleted from my credit file upon receipt of this letter to your company through CFPB. I am attaching all previous letters sent and I demand all information I sent as a dispute be formally addressed. How is the alleged account of JPMCB CARD XXXX still reporting late payments if the account is charged off? DELETE THIS UNVERIFIABLE ACCOUNT FROM MY CREDIT FILE! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX JPMCB CARD XXXX As you have on record, I was previously a victim of identity theft and it is your responsibility to ensure that all of the information you have in your database is accurate and to address any concerns I have about the information that you are reporting about me. If I tell you an address is not mine, you should delete it right away to prevent the compromise of my identity my thieves! I sent you a letter which is also enclosed asking you to delete inaccurate addresses from my credit file on XX/XX/ which you did not respond to. Delete all inaccurate addresses from my credit file that are inaccurate and undeliverable to me as I previously requested. Now Im demanding it and I will make sure my consumer rights are not violated by your company!! Delete all of these addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. XXXX XXXX XXXX XXXX XXXX, CA XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | ||||||
| 06/29/2019 | Yes |
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Web | Older American, Servicemember |
| I have been looking for a home to purchase since XX/XX/XXXX. I contacted Chase on XX/XX/XXXX, and XXXX XXXX contacted me on XX/XX/XXXX. It has been a great deal of work to find a house that was a match for us. XXXX XXXX contacted me one via telephone and twice via email. He also send me a couple of automated marketing emails. I was trying to get qualified. He did send me a prequalification letter ; however, after that he did not contact me. I then applied online and contacted Chase Mortgage directly. I then started communicating with XXXX XXXX. He sent me an updated pre-qualification letter. Then on XX/XX/XXXX XXXX sent me an updated pre-qualification letter, approved for a loan of {$160000.00}. XXXX called me around XX/XX/XXXX indicating that I need more assets than I had! I then explained to him that my expenses against my assets were in part for my son 's expenses. I sent a copy to XXXX XXXX CEO. After this Chase was still pussyfooting around. I finally went with another lender. I had received a called/Voice Mail from Chase executive office on XX/XX/XXXX, XXXX. I called her back 3 times and then she called me back and said she was going to evaluate the situation. Escrow was already to get started, but Chase did not call me back. I called someone else. I was tired of Chase touch and go attitude. Then on XX/XX/XXXX XXXX calls me back and tells me Chase Mortgage denied my loan. I tried to go with Chase because I have 11 accounts with chase and over 12 years of history. I had already been qualified by 3 other lenders. And my credit score was XXXX at the time and have 100 % rate of making payments on time ; therefore, the only reason Chase turned me down was due to discrimination. Since ; Chase did not have a valid reason to turn me down and had told me I had been qualified ; however, out of the blue moon, XXXX tells me I had been turned down ; when, I had not even been working with her. For sure ; I'm changing all my 11 accounts to another bank, both personal and business. Chase has dozens of website links with thousands upon thousands of complaints and several pending lawsuits and several that Chase have lost. The XXXX XXXX XXXX even sent me an application to apply for discrimination. In addition ; there is a website : XXXX, with complaints dated as early as XX/XX/XXXX. " XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX XXXX pays $ XXXX to settle mortgage discrimination lawsuit https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX pays $ XXXX XXXX settle mortgage discrimination lawsuit. The U.S. said the bank overcharged " thousands '' of XXXX, XXXX borrowers. ... Chase & Co. alleging the bank JPMorgan Chase Settles Workplace Discrimination Suit for ... XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX has agreed to pay six current and former employees {$19.00} XXXX in a settlement for XXXX discrimination. The deal includes the Chase Bank Sued For Discriminating ... - we are mit https : //wearemitu.com/mitu-world/largest- bank -in-the-u-s-accused-of-discriminating ... XX/XX/XXXX In one of its final moves, the Obama administration hit JPMorgan Chase & Co. with a one-two punch in the form of two discrimination lawsuits : one for discriminating against XXXX and XXXX mortgage borrowers and another for discriminating against their Author : XXXX XXXX JPMorgan Chase Forced to Face Pay Discrimination Lawsuit ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JPMorgan Chase & Co. is being forced to face a U.S. Labor Discrimination lawsuit alleging the banking company knowingly paid its female JP Morgan Settles Mortgage Discrimination Lawsuit XXXX The ... XXXX XXXX XXXX XXXX XXXXXXXX lawsuit - discrimination / ... XX/XX/XXXX On Wednesday, the U.S. attorney for the Southern District of New York, XXXX XXXX filed a lawsuit against XXXX XXXX XXXX alleging that the bank Author : XXXX XXXX. XXXX '' | ||||||
| 01/30/2018 | Yes |
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Web | Servicemember |
| I noticed that we had many ATM withdraws that were not ours, we are in Louisiana and the withdraws were in XXXX XXXX so i ran to the bank and we went through the many withdraws. They totaled about XXXX from XX/XX/XXXX to early XX/XX/XXXX when i ran to the bank. They went on for weeks before i noticed, I work a lot as the only one working in my family of XXXX and I am the owner of a business, which keeps me very busy. This is my business account and i'm pretty much a one man operation most of the time so i don't check this as often as i probably should but the banks job is to protect my money, it says so in just about every ad they show. I am in the business of trying to make money to put into my accounts so they can protect it. Now that i saw some obvious ATM fraud ( And for the record, no one has denied that all of this was obviously fraud ) I went through the past couple months and found a few weird charges that were also not us, 2 from an XXXX in Texas and a store in Texas. since we buy things often from other places and use the card for restaurants i hadn't noticed it, but since the ATM withdraws i had been really scrutinizing each item on my statement well, i realized that they were fraud as well, totaling about 300.00. i really looked at everything and noticed them because they had a TX at the end of the item line, so i thought maybe these were from Texas and the bank worker said they were. So the bank, Chase bank, in the next few days replaced it all, and since it was all obviously fraud i was happy. But then on Friday XX/XX/XXXX a couple weeks later i saw that all the ATM withdraws were reversed and the bank removed all the funds from the fraud that they returned 2 weeks prior. They removed all the money, so it was like being robbed twice. As you can imagine i ran back to the bank and they told me that there is a 35 day rule that since i added the fraud charges from the XXXX Texas items from XX/XX/XXXX in my claim and since i didn't report those frauds within 35 days of them happening, none of the fraud would be returned or covered. They never told me that they were going to remove the funds again and as much as that hurt, they just removed the roughly {$5700.00} and didn't let me know that it was gone until i found out that we hardly had anything left in the account. My heart sank! There's nothing worse than thinking that you have money in your business account and not knowing its gone until you find out the hard way. I also never got an alert ever from the bank for any of these. And these were daily ATM withdraws for weeks in another state ( CA ) while i was using the card daily in Louisiana. That meant that they had another card and pin that matched in some way. If that doesn't trigger an alert what would? Were were supposed to be on some sort of higher alert since we had attempted fraud charges earlier in the year and yet i never got one notice, text or call like i had some yeas ago when i was out of state. they called to make sure it was me.This time i never heard a word from them.Why use a bank if they cant protect your hard earned money? So because I found some more obscure fraud a few months back after these seeing these obvious ATM ones ( and there were no fraud charges between the Texas ones in XXXX and the ATM withdraws in XXXX ) i am not covered in any way. I lose it all? I thought i was helping by looking into the past months, now i regret it. I'm out about 5700.00 which is critical for us, all due to fraud and my bank has gives no alerts or notifications to let me know that they are being compromised with a fake bank card in another state while i use the card daily here in my state, and i have no recourse? Why would i use a bank to protect my money if its so easily taken and no one seems to care. It maddening. I am better off keeping it out of the bank. At least then i know i am watching it. | ||||||
| 06/01/2022 | Yes |
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| XX/XX/XXXX, XXXX XXXX XXXX authorized a wire transfer from her Chase account in the amount of {$5000.00} to XXXX to pay for construction work on her familys house. XX/XX/XXXX, XXXX XXXX XXXX learns that the transfer has not reached her sister in XXXX XXXX She contacts Chase bank to learn the wire transfer was never executed. The bank advised her to give the process more time. XX/XX/XXXX, XXXX XXXX XXXX contacts Chase Bank and is told the wire transfer was on hold. XX/XX/XXXX, XXXX XXXX XXXX holds a face-to-face meeting with XXXX XXXX, Vice President of the Chase XXXX XXXX Texas Branch XXXX XXXX XXXX explains that the wire transaction was canceled because of US Sanctions against XXXX for the XXXX conflict. No money was transferred from XXXX XXXX account. XX/XX/XXXX, XXXX XXXX XXXX discovers {$5000.00} missing from her personal account. She contacts the bank and learns the bank debited the money from her account without her consent. XX/XX/XXXX, XXXX The Chase bank representative admits the bank made a mistake in debiting money from XXXX XXXX account after a canceled wire transfer. XXXX XXXX makes her first demand for the money to be credited back to her account. XXXX XXXX makes numerous calls to several Chase bank corporate departments to demand why the money was taken and the bank has failed to credit her account or investigate the matter. She is finally informed that the money never left Chase and is sitting in a corporate Chase account. In order to secure the money, she must file an application with the US Treasury Department to compel them to instruct Chase to credit her account. She files the application and receives a response that Chase failed to file a claim/case with the US Treasury Department . Therefore, there is nothing the Treasury department can do. XXXX XXXX XXXX XXXX holds a face-to-face meeting with XXXX XXXX at the XXXX XXXX branch to make demand for the {$5000.00}. XXXX XXXX admits the bank created the {$5000.00} transfer in error. She makes multiple attempts to escalate the matter to her corporate executive offices and wire transfer department. She keeps receiving dismissive responses from those departments. Some of the answers were for XXXX XXXX to file a complaint with the US Treasury Department or contact her Chase Bank branch manager, which she evidently had already done. During the meeting, XXXX XXXX is clearly frustrated that she is being blocked by her Chase management from resolving the matter. She also learns that Chase bank was still never filed a claim with the US Treasury department. She assures XXXX XXXX that the wire department will contact her immediately. The only correspondence XXXX XXXX receives is a standard form email stating they will work on her matter, but provide no details. XXXX XXXX makes demand that the money must be credited back into her account within 48 hours or she will file complaints with state and federal regulators and take legal action. She made this same written demand to the Chase executive department. XX/XX/XXXX, XXXX XXXX XXXX receives another email from Chase Wire department which is another form letter stating they will work on the matter. It is clear at this time Chase has failed to investigate the missing money even after a Bank Vice President makes numerous requests. All of these actions amount to fraud by Chase Bank. The organization debited money from XXXX XXXX account without her consent. Chase bank has failed to investigate the matter and credit the account. Chase Bank created numerous delay and deflective tactics to keep from performing its banking obligations. XXXX XXXX has relied on the Bank crediting her account. Because of Chase Banks deceptive trade practices, XXXX XXXX has been harmed and is making a claim for damages. In addition, Chase Bank violated statutes of the Electronic Funds Transfer Act and the Texas Deceptive Trade Practices Act. | ||||||
| 10/25/2023 | Yes |
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| On XX/XX/XXXX, I submitted a credit card dispute with Chase because a company, XXXX XXXX, I worked with did not provide the {$400.00} prepaid race car experience. I waited XXXX weeks to file the complaint as I tried to work with the company for them to refund my money. When I arrived at the event in XXXX XXXX, XXXX XXXX XXXX refused to let me participate. I was told my current driver 's license needed to be issued at least 12 months ago. XXXX XXXX only told me I needed a license for at least 12 months. Ive had a valid license since XXXX and despite my questions about safety and requirements, no one ever said the document needed to have an issue date at least 12 months prior. Chase acknowledged receiving my complaint. I did not hear anything further until at least XX/XX/XXXX when I received a letter saying my dispute was denied. On XX/XX/XXXX, I called Chase to inquire why it was rejected. Your representative told me Chase needed more information from me and could not reach me, so it was denied. I have trouble believing Chase tried to reach me and couldnt because I get emails from Chase daily. I also get messages through my account on Chase.com but never received anything from Chase ; you can see no messages were sent. The representative asked me a couple of questions and told me to resubmit my claim, which I did on XX/XX/XXXX. Again, Chase acknowledged receipt of my complaint. On XX/XX/XXXX, another rejection letter was sent. I did not receive it until XX/XX/XXXX because I was out of the country. I called Chase on XX/XX/XXXX and no one could explain why my claim was rejected. I called again on XX/XX/XXXX and one more time on XX/XX/XXXX. I was finally told the claim was denied because it had been too long since the event ( XX/XX/XXXX ) was scheduled. I am trying to remember if it was 90 days, 105 days or 120 days but the deadline had passed. I was shocked since, after doing the math, I was notified about the rejection after the deadline had passed. Chase claims to have fought and fought for me but never contacted me. Once they did, the deadline for an arbitrator had already passed. Chase dropped the ball and let the merchant drag out the process until time ran out. My credit card ends with XXXX and is owed {$400.00}, which I will not pay. In late XXXX, I finally spoke to a customer service representative who admitted repeated mistakes on Chases behalf. He informed me Chase repeatedly withheld the truth and at times lied. He told me XXXX XXXX rejected the claim due to their terms of service. XXXX XXXX offered me a credit which isnt acceptable to me because Ill never use them again. This customer service representative said as soon as Chase heard that my claim was rejected. He also told me that Chase tried calling me once but the call did not go through. It didnt ring or have a busy signal, the call never connected and they never tried again. He admitted the next time Chase tried to contact me was after the appeal deadline! If this lack of customer service was not bad enough, on XX/XX/XXXX, I converted XXXX into {$3100.00} cash back. I chose to have Chase transfer the money into my business checking account ending in XXXX. I called Chase when the funds hadnt been deposited by XX/XX/XXXX. I was told the money was transferred into an account ending with XXXX ; I dont have an account ending with XXXX! My money was transferred into someone elses account! Fortunately, it was transferred into a family members account. However, I dont have access to this persons account and its not connected with my online Chase profile. I have no clue how Chase/Ultimate Rewards made this mistake. From my phone calls, no one at Chase knows how this happened either! The lack of customer service, support and communication has failed at every turn. Chase, an FDIC member, lied to a customer repeatedly and intentionally over months! | ||||||
| 08/31/2023 | Yes |
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| 1 ) I ( XXXX XXXX ) sent the below email a week ago thinking my account was handled as at that time it was. I then get a message the case is closed but I'm responsible for a balance transfer and they added that back to my account. This is not our balance transfer ; again, fraud was on this account left and right, and you keep closing it, opening it, and allowing fraud. None of the charges including balance transfer are my responsibility. This was already gone over and you cleared it but now you have added it back. I have a letter from you stating this is not my responsibility and would be corrected with all the credit bureaus but that still needs to be done. The balance transfer needs to be removed this is not mine and does not belong to me. You had it removed and now added it back. I have sent the hospital stay and XXXX XXXX documents under the care and I was incapacitated during that time. I had no way for this to occur and this was not ours. You issued the proper credits but recently added the balance transfer, which needs to be removed. Account ending in XXXX, now updated to ending in XXXX. 2 ) I ( XXXX XXXX ) Have sent several emails and contacts through the Consumer Protection Bureau, but you have not corrected the account. I got a letter from you stating I'm not responsible for the account and balance and that you would be issuing the update to the credit bureaus. You still are calling me, harassing me, and have not corrected the account, closed the account, and issued the credits due to me. We have sent the hospital and XXXX paperwork for this account. These were opened somehow from the above account being opened and we kept paying thinking it was the above account we originally opened. Account ending in XXXX. 3 ) We have followed all the rules for assistance with the account and getting this corrected. Several areas have not been following through on your end and violated many disability act protections. I want to ask if this is once and for all corrected and cleared in FULL for both of us. Additionally, I received a text message days ago there was fraud on my account again and a new card is being sent. We are very leery about having now any of these accounts open with all the fraud that has and continues to occur. I will leave the one new one for now, but hold off from any transactions until we hear this is fully cleared. Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Re : Account Ending in XXXX Dear Chase Executive Department , Our family resides in XXXX and we have been away ; I apologize. I believe the one account has been closed and corrected ; thank you! I see it is all corrected now. I see an issue, though there is still an account in only XXXX XXXX 's name now and he never received this card, but we have paid on it thinking it was his or valid. This whole mess has thrown us and caused such chaos and confusion. I see we received a letter that it would be closed at the end of last year and it is not our responsibility. We came to find out we did not owe these fees and monies paid. I have the letter from Chase stating this at the end of last year and it appears it still needs to be closed or settled. I'm receiving emails about collections and late payments on my phone. Please stop this account and close it. Please correct this matter at once. Thank you We believe this account is under XXXX XXXX only and ends in account number XXXX. We sent the hospital documents and account details altogether and were last told this account was removed and had been handled, and maybe it has been now. The hospital records and deemed incapacitated at this time made this unable to be our cards. We made payments that were refunded to the one card but not on this one. Thank you, XXXX and XXXX XXXX | ||||||
| 05/06/2016 | Yes |
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| On XXXX XXXX, 2016, I applied for a XXXX Rewards Premier Credit Card online that offered XXXX bonus points after the cardholder spent {$3000.00} on purchases during the first three months from account opening. I had reviewed the offer online before I decided to apply, and had verified that there was no annual fee for the first year. The offer explicitly stated, " Introductory Annual Fee of {$0.00} the first year, then {$85.00} ''. I printed the offer from the Internet as support ( attached ), and it can be seen at the top of the second page of the document that shows " Limited Time XXXX Bonus Points '' on the first page. After applying for the card online that day, I immediately received a response from Chase that my application had been approved ( attached ). I received the card XX/XX/XXXX and quickly charged {$3000.00} to ensure that I received the XXXX bonus points. When my first statement came ( attached ), my husband noticed that I had been charged an {$85.00} Annual Membership Fee and asked me if that was correct. I pulled the documentation I had printed the day I applied for the card and verified that it said the annual fee was {$0.00} the first year. We immediately called Chase to have them correct the situation, but the customer service representative could not find the offer and said I would have to send in a letter with my support. I drafted a letter dated XXXX XXXX, 2016 with the support and sent it to Chase as per their request. On XXXX XXXX, 2016, I received a response from Chase dated XXXX XXXX, 2016 declining to waive the {$85.00} fee ( attached ). They did not explain why they would n't waive it and just said that the enrollment offer did not include an annual fee waiver for the first year. I immediately called the customer service number and asked for an explanation. The person I spoke with could not offer an explanation, so she transferred me to a supervisor named XXXX. He would not provide his last name when I asked. I explained my complete frustration with the situation and demanded that they waive the fee as per the documentation I had submitted, but he said he could not do that. He could not explain why they could n't waive the fee, so I told him that he needed to talk to someone higher up at Chase that would waive the fee in accordance with the documentation I had submitted. He said he would further investigate the issue, but that it would take 24 to 48 hours to respond to me. I provided my cell phone as the number that someone from Chase could call me at any time. I did not get a response within the 48 hour time frame, so I again spoke with someone in customer service on XXXX XXXX, 2016. The person I spoke with said that per the notes in the file, the Marketing Department had said that the offer I applied for did not have a {$0.00} fee for the first year. I was completely confused and frustrated because I had support showing there was no fee for the first year. I told the representative that I would file a complaint with the CFPB. On XXXX XXXX, I received a message on my cell phone from someone at Chase saying the waived annual fee applied to a different card, the XXXX Rewards Premier Business Credit Card, not the consumer credit card. The support I have and submitted to Chase clearly shows that there is no annual fee on the XXXX Rewards Premier Credit Card ( the consumer credit card ) for the first year. The offer for the business card, which is on the second page, shows " Introductory Annual Fee of {$0.00} the first year, then {$99.00}. '' Clearly, both offers show " Introductory Annual Fee of {$0.00} the first year '', but Chase is not honoring that on the consumer card I applied for. I am completely frustrated with Chase 's lack of integrity and customer service in this situation, so I am investigating other banks where my husband and I can move our accounts if this situation is not resolved. | ||||||
| 03/15/2017 | Yes |
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| APPLIED FOR CHASE HELOC {$50.00} DEBT CONSOLIDATION XX/XX/XXXX CLOSED XX/XX/XXXX, LOAN FUNDED LATE XX/XX/XXXX DUE TO CHASE ERRORS WITH CLOSING DOCS, AND SOME DISBURSEMENTS STILL OUTSTANDING AS OF XX/XX/XXXX, DUE TO CHASE ERRORS. I BELIEVE CHASE VIOLATED ( LENDING LAWS / MY CONSUMER RIGHTS ) DURING PROCESS AS FOLLOWS : 1. I AM XXXX XXXX YR MALE, RECENTLY MARRIED, XXXX MEDICAL RETIREE RECEIVING ( XXXX, XXXX ) I BELIEVE MY XXXX INCOME WAS DISCRIMANETLY ( OVER SCRUTINIZED ), DURING INCOME VERIFACTION, EVEN AFTER I HAD PROVIDED MORE THAN WHAT CHASE REQUIRED, CHASE KEPT REQUESTING ADDL UNNECESSARY DOCS, MY APP WAS IN UNDERWRITING TOO LONG FOR SMALL LOAN ETC 2. BELIEVE CHASE TRIED TO VIOLATE MY RIGHTS, BY ATTEMPTING TO MAKE THE SIGNING OF A SPOUSE WAIVER, A REQUIREMENT FOR LOAN, I OBJECTED, " STATING I AN ONLY ONE ONE LOAN, I 'VE OWNED MY HOME 22YRS, SINGLE, IN STATE OF GA, NON-COMMUNITY PROPERTY STATE, MARRIED LESS THAN YR, WIFE AND I MAINTAIN SEPARATE ( ASSETS/ LIABILITIES ) AND HAVE SEPARATE HOUSEHOLDS, NO COMINGLED ACCOUNTS ETC. CHASE TRIED TO PRESSURE ME TO GET MY SPOUSE NAME, MY RESEARCH SUGGESTED ITS A VIOLATION OF SOME LAW, CHASE DID NOT INTRODUCE SPOUSE WAIVER DOC AT CLOSING, BUT THE LAWS REGARDING SPOUSE WAIVERS, SHOULD BE CHECKED SO NO CONSUMERS RIGHTS ARE VIOLATED BY CONSUMERS 3. CHASE DID NOT PROVIDE ME, ANY PRECLOSING DOC, UNTIL ( XX/XX/XXXX THE MORNING OF THE DAY BEFORE CLOSING ON XX/XX/XXXX. HASE TOLD ME I WOULD RECEIVE DOCS 3 DAYS BEFORE CLOSING, BUT DOCS ARRIVED DAY BEFORE. I ALMOST DECIDED TO POSTPONE CLOSING, TO HAVE MORE TIME TO REVIEW DOCS, BUT I WENT AHEAD WITH CLOSING ON XX/XX/XXXX. 4. LOAN DID NOT FUND, PROMPTLY AFTER ( 3 DAY RECISSION MIDNIGHT XX/XX/XXXX ) DUE TO CHASE PROBLEMS, LOAN FUNDED ON XX/XX/XXXX XXXX EST ), BUT CHASE 'S SYSTEM IS PROGRAMMED TO AUTOMATICALLY, START CHARGING INTEREST STARTING ON ( CLOSING DAY XX/XX/XXXX INSTEAD OF FUNDING DAY XX/XX/XXXX ). I COMPLAINED AND CHASE REFUNDED INTEREST FROM ( XX/XX/XXXX TO XX/XX/XXXX ). CHASE AND OTHER LENDERS NEEDS TO INVESTIGATED AND MADE TO REFUND INTEREST ON ALL LOANS WHERE THEY CHARGED INTEREST FROM CLOSING DAY, INSTEAD OF AFTER ( 3DAY RECISSION OR FUNDING ). I THINK THIS PRACTICE VIOLATES LAW. 5. DURING DISBURSEMENTS ( CHASE SENT DISBURSEMENTS BY CHECK ), IN A MANNER TO MAKE THE MOST ON TRANSIENT ( DAILY COMPOUNDED, DOES NOT FOLLOW UP ON DISBURSEMENTS ( USE MANAGEMENT BY EXCEPTION ), TO MAXIMIZE INTEREST EARNING, STILL HAVE SOME DISBURSEMENTS UNDELIVERED BY CHASE, ( BEING CHARGED DOUBLE INTEREST ), COMPLAINED CHASE REFUNDED SOME INTEREST. LAW NEEDS TO BE CHANGED SO LENDERS CAN NOT START CHARGING CONSUMERS INTEREST ON LOAN DISBURSEMETS UNTIL THEY CLEAR LENDERS ACCOUNT. BANKS MAKE XXXX DOLLARS A DAY IN TRANSIENT INTERST ON LOAN DISBURSEMENTS, ON THE BACKS OF CONSUMERS. THAT WHY MOST BANKS DISBURSEMENT SOFTWARE, DO N'T CHECK FOR ( TIMEFRAME FOR DISB TO CLEAR LENDING ACCT, OR MAKE AN EFFORT TO SEND DISBURSEMENTS THE QUICKEST WAY ), PAYMENTS THAT COULD BE EFTed were sent by mail to maximize transiet interest earning. 6. TO COVERUP THE FACT, THAT A DISBURSEMENT IS STILL OUTSTANDING CHASE MGR, ( MADE INACCURATE/ DECEPTIVE ENTRIES ON MY HELOC LEDGER ), CREATING THE APPEARANCE THAT CHASE HAD MET ITS DISBURSEMENT RESPONSIBILITY, WHEN IN FACT IT HAS NOT. THE HELOC LEDGER ENTRIES ( ADDED ON XX/XX/XXXX ) WITHOUT MY KNOWLEDGE OR CONSENT, CREATE THE APPEARANCE THAT I MAILED OUT A ( XX/XX/XXXX ) BALANCE ADVANCE TO PAY A CREDITOR, WHICH IS NOT TRUE. CHASE CONFIRMED ON ( XX/XX/XXXX & XX/XX/XXXX ) THAT IT HAD MAILED A REPLACEMENT CHECK, FROM MY ( XX/XX/XXXX FUNDED DISBURSEMENT LOAN ). INSTEAD ON XX/XX/XXXX CHASE ( RESTRUCTED MY LOAN, DID BALANCE ADVANCE FROM MY RESTRUCTED INSTEAD OF FROM THE ( XX/XX/XXXX FUNDED LOAN. THIS IN MY OPINION, VIOLATES ( LENDING / ACCOUNTING PRACTICES ). I WANT CFPB TO INVESTIGATE THE ABOVE MATTERS AND THE LEDGER ENTRIES ON MY HELOC. | ||||||
| 08/18/2016 | Yes |
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| I have opened an Amazon Credit Card with Chase Bank with the help of my partner on XXXX XXXX 2016. To make the story short, my domestic partner submitted the credit card application on my behalf online through the amazon web site. Thereafter, I have called Chase Credit Card Application Support on XXXX XXXX 2016 to check the status of my credit card because the address on the application did not have my apartment number. Therefore, the customer service representative advised me that I did not answer the security question correctly about my mother maiden name because of course my domestic partner did not realize the incorrect name at the time. Therefore, my account was being blocked by Chase representative for some reason. Also, I was advised by Chase representative that my voice did not sound that I am a XXXX XXXX XXXX female which sounds really discrimination! Chase Bank Customer Service has assigned my account to a fraud specialist by the name of XXXX XXXX Fraud Operations Center at the telephone number of XXXX with extension XXXX - After I have submitted multiple documentations to XXXX XXXX on XXXX XXXX 2016 as follow : XXXX copy of my XXXX. Driver License, XXXX copy of my Social Security Card, XXXX copy of my XXXX Passport, XXXX and a recent copy of my recent XXXX to the email address XXXXXXXXXXXX!!! However, XXXX XXXX advised me that she could not see my driver license clear. Thus, I have resubmitted both front and back of my DL to the same email address in the following date on XXXX, XXXX 2016! After I have made several attempts to check the status of my credit card account with XXXX XXXX, she has made my life XXXX living by using bias that the reason why my account was blocked it is because they could not identify me as the customer. But this is the reason why Chase has requested the documentations from me in which that I have provided twice, still, XXXX XXXX dare to tell me that my account will be closed even I have done all the diligence and being cooperated to submit all my documentations that are related to my identity. My concern now is going to be more XXXX living to me because this credit card account issue is about to affecting my credit report to the XXXX credit bureau agencies as a closed account. Until today 's date I have not getting the help to have my account to be reopened after I have submitted all the documents about my identity. Chase has not being able to resolve my concern about the credit card account that I am having problem which has not been taken seriously into XXXX XXXX hands. XXXX XXXX sounds really incompetent to get this matter resolved, she does not sound knowledgeable of the issue that I am having. I believe she may be new in this position! Also, Chase does not have the capacity to handle fraud inquiries or account that is being closed due to minor issues because Chase credit card customer service call center is based overseas in XXXX. Therefore every day that I call to inquiry about my account, in which they are unable to tell me the status of my account. I do believe neither XXXX XXXX which she is located in the XXXX can not get this matter resolve. I would like to have CFPB to forward my complaint to Chase senior leadership for resolution because XXXX XXXX does not know what she is talking about. She has received all my documentations and she has added more assault to my injury day after day. XXXX XXXX does not equip with the knowledge, diligence, skills and ability to have my account resolved in a timely manner. I never thought the sound of my voice over the phone would have been a problem to Chase Credit Card Operations, in which they can not identify me after I have provided XXXX XXXX with my documentations and she has become a XXXX living and brought more pain with my credit account. I do not want this credit card that I am having issue with to destroy my credit for many year. | ||||||
| 02/19/2016 | Yes |
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| My Wife and I hosted, paying ourselves, a rehearsal dinner at a restaurant called the XXXX located in XXXX, CO that catered to private parties ; this was not an odd request for them in other words. Although there were numerous distasteful and unprofessional occurrences that made the entire event a bad experience, we did not receive the service of an " in-room '' hosted beer and wine bar that was supposed to be open for the first hour and then cash- with the option to extend our payment after the hour was over- instead all beverages, including non-alcoholic beverages, had to be ordered to an understaffed and overworked wait staff- XXXX people for XXXX people. For this reason, we disputed the charge for the hour of unlimited beverage-beer and wine and soft drink/juices- ( {$500.00} ) for the hour because neither the agreed to terms were provided. We voiced our discontent to the management the night of and called the hostess several times after to try and work this out-each time our calls were not returned and our concerns the night of were met with a very demeaning confrontational reaction by the XXXX management. The dispute was done through via the CHASE Southwest rewards card. My wife has A list status, I have had this card since XXXX and have never missed a payment-even through two years of being out of the country, and we have never disputed a charge before ; so we are responsible understanding people that do not make waves unless severely slighted. The initial dispute was handled by CHASE customer service on or about XXXX XXXX We were given a " Credit '' of {$500.00} for the dispute and told that the XXXX management did not respond to their inquiry. We were paying off quite a bit of our wedding expenses and my wife and I were careful not to touch the {$500.00} credit until the dispute was resolved in writing. In XXXX, we received a letter from CHASE with documents that had the XXXX response- a XXXX sentence response that stated we got what we paid for and had copies of the checks we paid with prior to the event ; we paid in full prior to the actual event and did so trusting that this restaurant, a subsidiary of the larger XXXX XXXX XXXX, would not pull anything funny. We responded with a detailed outline of our issues and cited the contract, referenced the issues with the XXXX changing special event hostess, and had to fax- {$60.00} out of pocket to XXXX . Over the next few days I tried to make contact with the XXXX office to ensure that the response was received in time. I received a call back from XXXX XXXX a few days after the deadline ( XXXX/XXXX/XXXX ) notifying me that my response was received and I would get correspondence in the mail no later than 30 days with the decision. I called the stateside customer service representatives to ensure that there were notes that my response was received and I also expressed my concerns that the credit were received disappeared after we paid off the credit card balance in early XXXX. in late XXXX I received a call from CHASE disputes and was told that the dispute was resolved and {$500.00} was deducted from our total cost of XXXX services. On XXXX XXXX in the middle of the day, I received missed a call from the XXXX CHASE number, which I missed since I was in a meeting- no voice mail was left. I called the number back and was told the dispute was not founded in out favor, I asked to speak the the Manager on duty, XXXX XXXX, who told me that there was nothing I could do, but respond to the letter that would be coming in the mail in the next few weeks. As of XXXX XXXX there is a {$500.00} charge on our card that will need to be paid off next month to avoid interest. The reversal of the dispute decision and a lackluster customer service system of notification along with the obtuse " Credit '' system is concerning and needs attention on a larger scale than just me. Thank You | ||||||
| 07/15/2016 | Yes |
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| The XXXX XXXX of XXXX XXXX, XXXX. ( " XXXX '' ) represents XXXX XXXX ( " XXXX '' ) in his request for a mortgage modification from Chase. The first modification request was submitted to Chase on XXXX XXXX, XXXX and requested documents have been provided as soon as requested. An updated request was submitted again on XXXX XXXX, XXXX as all the documents had expired. Every time XXXX submitted documents, we followed up with a call to make sure they were received, at which time we were assured that the file was with the underwriter. XXXX would receive a call from Chase a few days later requesting the same documents that were provided and " located '' while on the phone with the representative at which time we were assured that they would let the negotiator know that the documents were in the file. This has gone on since XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX was finally able to speak to the negotiator, XXXX XXXX, at which point we were informed that the file was never submitted to the underwriter and would not be submitted until she was happy that she had everything and understood everything. XXXX requested to speak to the escalation dept and spoke to XXXX who looked into the matter, spoke to XXXX XXXX and declared that they had all the documents but requested time to review the file. On XXXX XXXX, XXXX, XXXX went over all the mortgages, rentals and receipts and he forwarded all the information to XXXX XXXX. On XXXX XXXX, XXXX, XXXX spoke to XXXX at Chase, again went over the docs that were requested and received and she advised XXXX XXXX of the same. On XXXX XXXX, XXXX after receiving a call from Chase requesting the same documents that were received, XXXX escalated the review again. XXXX spoke to XXXX XXXX, XXXX, XXXX and lastly XXXX ( each name represents a new escalation request ). On XXXX XXXX, XXXX, XXXX spoke to XXXX, XXXX of XXXX XXXX ' team member and were advised that the only information they needed was the breakdown of the Section 8 rentals and XXXX was advised that in their state, they do n't have Section 8 therefore they did not understand how it works. Everytime XXXX spoke to either, XXXX XXXX ' team members or escalation dept, the documents were found, but XXXX would fax them again just in case - XXXX has been educating Chase on all the documents submitted, how to read them and how the information requested is on it. For over a year, the documents that have been requested are : proof of rental income ( bank statements have been supplied to show which rentals go into that account ) ; most recent bank statements ( XXXX XXXX, XXXX was the last submitted statement ) ; schedule of Real Estate and mortgage statements ( see attached ) ; Homeowners Association fees and PMI ( advised them over and over again that there are none of each ) ; proof of no HOA and PMI ; property tax and insurance that are not escrowed ( see attached ) and mortgages that are not on the credit report ( Chase has refused to disclose which mortgages are not on the credit report but none the less, all mortgage statements except for XXXX in which XXXX does not receive, have been provided ). All the properties have been listed on the XXXX schedule, declared on the taxes, mortgage statements, leases and bank statements provided, yet Chase is still asking for proof of rentals and a break down of the escrow on the mortgage statements, which is the first time ever that a lender has asked for that kind of information. XXXX has stated over and over that he does not pay HOA or PMI, if Chase has proof of otherwise, they will not reveal. Chase has led XXXX and XXXX in a wild goose chase, the review has gone on for over a year. XXXX is not able to speak to the underwriter and XXXX XXXX seems unable to explain or unwilling to work on the request for a modification. XXXX went into a hardship due to renters not paying their rent - now he has reliable renters. | ||||||
| 07/08/2016 | Yes |
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| My loan has been modified by Chase Bank into terms that are unreasonable, unaffordable, and based on race. XXXX XXXX, XXXX - Complaint to XXXX Re : Chase Mortgage Modification ... ..One of the most heinous of these policies was introduced by the creation of the Federal Housing Administration in XXXX, and lasted until XXXX. Otherwise celebrated for making homeownership accessible to white people by guaranteeing their loans, the FHA explicitly refused to back loans to XXXX people or even other people who lived near XXXX people. As XXXX puts it, " Redlining destroyed the possibility of investment wherever XXXX people lived. " - from The Racist Policy that Made Your Neighborhood, The XXXX XXXX XXXX I 'm writing to file a formal complaint about the outcome of the latest of two mortgage modifications I received from Chase Bank. My mortgage has been modified twice, but I am writing about the current modification which has been in process since the summer months of XXXX ; the process lasted about 8 months, I was offered a single Chase in-house product ; my payment would double, and the interest rate currently at 5.75 % would not be reduced. My mortgage has increased by over {$100000.00} since being in Chase 's portfolio ; my mortgage is growing, not shrinking as I had hoped when I put {$60000.00} cash down and purchased the home as newly divorced mom of XXXX kids in XXXX. The first payment on the current modification was in XXXX of XXXX. My payments have been on time since the current modification, but it is getting increasingly difficult to do so. My payments consume 56 % percent of my take home pay and close to 40 % of my gross income. I realize now that the modification was designed for me to fail, and this is the basis of my complaint. My specific complaint is that Chase Bank is contributing to the rapid decrease of XXXX in my neighborhood by offering me ( and others ) a modification with unreasonable terms. The terms I had to agree to in order to keep my family home are not sustainable and have set me up to fail. Chase offered me this sole, in-house product based on my race. Additionally, when I set out to complain directly to Chase, the bank matched me with one, and then finally a second, " race matched '' analyst who was XXXX, to help me through the complaint process. At the end of the complaint process, Chase did not admit guilt, but offered me the chance to re-apply for a new modification. I received the first modification in XXXX. I had just lost a job, and was supporting XXXX children on my own. The terms of the modification were fair ; in exchange for making on-time payments for five years, I would receive a principal reduction of {$91000.00}. At the time, this sounded like a great trade off, and it was. It was also an obligation I thought I would be able to meet. This would ultimately help my little family to get ahead ; to save for college, to be able to leave a legacy of homeownership for my children, to be able to retire at XXXX, and to be able to provide for my children where my parents, homeless for a time, could not for me. The remedy offered to me by Chase for the current modification did not include any governmental sponsored programs or other remedies that would help me get back on solid financial ground as modification programs promise. Rather, in order to remain in my home, I was offered a single in-house remedy ; my payment would double, and there would be no reduction of the interest rate which is currently higher than market, at 5.75 %. Chase representatives encouraged me to consider selling my home in my rapidly gentrifying neighborhood. Chase Bank solutions were ultimately punitive, and not restorative ; hurtful, and not helpful. And I know of other families, XXXX families, who were offered better terms with Chase modifications, promised better outcomes, including the chance to get on their feet. | ||||||
| 07/12/2023 | Yes |
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Web | Older American |
| I am a XXXX divorced woman buying a new home for the first time in 30 years. I hired a real estate agent, based in Kentucky, and looked at several properties. On XX/XX/2023 I was notified of a newly listed property at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. Pre-Approval was received XX/XX/2023 from XXXX XXXX and I submitted an offer for the property on XX/XX/2023 through my realtor On XX/XX/2023 XXXX received a general outline from XXXXXXXX XXXX of what expect regarding the process of wiring the final settlement amount. XXXX XXXX outlined for out of state closings, it is not out of the ordinary for purchasers to wire the money 5 to 7 days in advance of the closing date. On XX/XX/2023 I received confirmation from a Mortgage Loan Processor from XXXX XXXX XXXX, that my loan was cleared to close and closing was scheduled for XXXX XXXX on XX/XX/2023 and I should expect to receive the final settlement figures from either my Mortgage Loan Officer, or the title company. On XX/XX/2023 1 received final settlement figures from XXXX XXXX XXXX On XX/XX/2023 A closing CO-Ordinator for XXXX XXXX XXXX, emailed wiring instructions to my realtor. On XX/XX/2023 I received an email from the realtor with wiring instructions. I forwarded this email to the loan officers at XXXX XXXX who advised I was good to come in the XXXX, Ohio XXXX branch and execute the wire transfer. On XX/XX/2023 at XXXX XXXX I executed the wire transfer of {$120000.00} from the XXXX, OH branch of XXXX XXXX according to the instructions I received from the realtor. After executing the wire, I sent the realtor a copy of the wire receipt via text at XXXX XXXX on XX/XX/2023 and via email at XXXX XXXX on XX/XX/2023. In a separate email at XXXX XXXX on XX/XX/2023, I sent the wire receipt directly to XXXX XXXX XXXX and advised they should receive the funds by XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX replied to my email at XXXX on XX/XX/2023 confirming she received the receipt and information regarding the wire. At XXXXXXXX XXXX on XX/XX/2023 XXXX XXXX responded a second time to my XXXX XXXX email stating the transfer amount was incorrect and was short {$350.00} but made no mention of any other transfer details. I heard nothing further about the wire until XXXX XXXX on XX/XX/2023, XXXX minutes before closing, where my realtor advised me XXXX XXXX XXXX never received the wire. I went to the XXXX XXXX XXXX branch in XXXX XXXX, Kentucky and explained what I had learned to a bank employee who opened an investigation. I went to XXXX XXXX XXXX office, met with its Manager, XXXX XXXX where I learned the wiring instructions I received from XXXX were fraudulent. Following this I opened various complains/investigations with the OCC, the FBI, and multiple other government organizations. I tried to get in contact with Chase Bank ( the bank accepting the fraudulent wire transfer ) ; however, they were unable to speak to me regarding my situation. As of today XX/XX/2023, my {$120000.00} has still not been returned to me, nor has there been any attempt at resolution from XXXX XXXX or Chase Bank. XXXXXXXX XXXX verified wiring instructions for their transfer, but did not do so for my personal money. Chase bank failed to properly identify the individuals opening the account into which my money was deposited. Further Chase Bank allowed all my money to be withdrawn when a legitimate title company would have taken its fees and the amount to be held in escrow ( {$11000.00} ) before sending the remaining money to the property sellers. Chase Bank has knowingly turned a blind eye to banking fraud and injured a consumer in the process. It is my belief that this fraudulent account was set up quickly through the internet, without Chase Bank following sufficient verification processes. Chase Bank also accepted a wire transfer with various mis-identifiers into this fraudulent account. | ||||||
| 12/28/2017 | Yes |
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| In XX/XX/XXXX, JPMorgan Chase grossly mishandled our mortgage escrow account. Since JPMorgan Chase started servicing our mortgage loan in XX/XX/XXXX, Chase has never disclosed that our homeowner 's insurance provider XXXX XXXX was a bank client and that there could be a conflict of interest with them servicing our loan. In XX/XX/XXXX, we decided to move our insurance policies away from XXXX XXXX to another provider because we have had significant premium increases on our homeowner 's insurance since XX/XX/XXXX. When XXXX XXXX started sending premium refunds all of the refund checks were from JPMorgan Chase. On XX/XX/XXXX, Chase disbursed {$1000.00} from our mortgage escrow account as an overage and then raised our mortgage payment to {$1200.00} without any prior notice. On XX/XX/XXXX, we paid our XX/XX/XXXX mortgage payment of {$1200.00}. The entire amount was applied as a principal reduction payment. When we received the escrow disbursement check we voided it and sent it back by certified mail to Chase. Chase deposited the {$1000.00} back into our mortgage escrow account on XX/XX/XXXX by special escrow deposit. On XX/XX/XXXX, Chase disbursed {$1000.00} from our escrow account again without prior notice. Chase made a special escrow deposit on XX/XX/XXXX without our knowledge. We received the disbursement check on XX/XX/XXXX. We voided the check and kept it. In XX/XX/XXXX, Chase disbursed again for a third time from our mortgage escrow account {$1000.00}. We deposited that check into our bank account. On XX/XX/XXXX we purchased a new homeowners insurance policy through XXXX and paid cash for the policy. On XX/XX/XXXX, we notified XXXX XXXX and JPMorgan Chase by certified mail that we would not be renewing our homeowner 's insurance policy that expired on XX/XX/XXXX. On XX/XX/XXXX, we notified XXXX XXXX and JPMorgan Chase by certified maile that we were cancelling our XXXX XXXX homeowner 's policy effective immediately. In XX/XX/XXXX, we received a premium renewal notice from XXXX XXXX in the amount of {$3400.00} which was a significant increase from {$2300.00} for the prior year. On XX/XX/XXXX, we sent a second certified letter to XXXX XXXX to cancel our homeowner 's policy. When we never received a cancellation notice, we started to send daily emails and certified letters to XXXX XXXX to cancel our homeowner 's insurance policy because we knew that they were bank clients of JPMorgan Chase. On XX/XX/XXXX, XXXX XXXX still had not cancelled our homeowner 's policy and was refusing to refund the premium. XXXX XXXX started refusing the certified letters. We continued to contact our XXXX XXXX agent daily by email to cancel the policy. He refused. On XX/XX/XXXX, we sent a XXXX priority delivery to the XXXX XXXX Corporate office to cancel our homeowner 's policy. On XX/XX/XXXX, XXXX XXXX still had on cancelled our homeowner 's policy so we send a XXXX 2 day delivery on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We continued to contact our agent and XXXX XXXX corporation daily until we received our premium refund check on XX/XX/XXXX. XXXX XXXX backdated the refund check to make it look like the refunded our money back on XX/XX/XXXX but the XXXX XXXX envelope was postmarked for XX/XX/XXXX which was the same day that the XXXX cancellation letters were delivered to the XXXX XXXX Corporate offices. On XX/XX/XXXX, XXXX XXXX with the Chase executive offices acknowledged that XXXX XXXX was a Chase bank client but that it was not a conflict of interest to not notify us of their business relationship. If we had known that our mortgage servicer and our homeowner 's insurance provider were in business together, we would have left XXXX XXXX years ago. Cancelling our homeowner 's insurance policy should have been quick and easy. XXXX XXXX and JPMorgan Chase did not want there to be a Chase refund check associated with our mortgage escrow. | ||||||
| 06/21/2017 | Yes |
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Web | Older American |
| Incident described in the initial letter sent to Credit Card Company. This was one of two correspondences, the second dispute and correspondence was to provide additional information that I found on-line about the numerous complaints that were written up on the companies business practices. XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Reference : Account Ending in XXXX XXXX XXXX XXXX Continued Dispute Dear XXXX XXXX : In response to your request I am providing a chronological, detailed report with supporting documents that occurred at the time of my dealings with XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2016. I was attempting to purchase tickets to the XXXX XXXX XXXX that was to be performed on XXXX XXXX, 2016 at the XXXX XXXX XXXX 30 days in advance of the shows performance. As I typically buy tickets on line I mistakenly was on the wrong website, that of the company that this dispute is based on. I admit that I did accidentally hit the purchase, enter key, and after finding out that the service charges for the four tickets for the total purchase was very, very, excessive I decided to cancel the purchase of these tickets. Also, one other important fact is the XXXX company very cleverly did not reveal the service fees for those tickets until after I hit the enter or purchase key in an attempt to rapidly eliminate the potential to cancel the transaction and disallow any potential for refund, thus the reason for my actions. The service fees were actually more that the ticket prices. Therefore within two minutes of my mistake I called the customer service number provided by XXXX on their website. After a lengthy delay over 20 minutes I spoke to a company representative ( XXXX ) who explained that they could not cancel my order, even though I contacted them immediately and there were no refunds or cancellations possible. I also spoke, after a short argument, with XXXX supervisor ( XXXX ) who essential reiterated the same statement that they could not issue a cancellation. I expressed my total dissatisfaction with the company and told them I was going to dispute the charges. During the delay I also wrote a short message to their e-mail address telling them to cancel my order since I was on hold for a long time on the phone. At the conclusion of the call, and sending my e mail message. I called the Chase Card XXXX number and after speaking to a person in your Dispute Department told me that I could not dispute a charge that has not been posted to my account and that I would have to wait until the charge was posted. After two days I checked my account, found the charge and thus initiated the dispute. I have made mistakes before similar to this and the companies were much more reasonable and understanding and honest about their companys business practices. I thought I was well within the time frame for mistaken transactions, especially those that occur on line. I took the necessary actions immediately without delay for the purpose of eliminating any possible conflict with the seller, I was wrong as this is not the case here. This company should be investigated for illegal and at least improper transaction procedures, I hope no one else is and was in the same situation as myself. Please find the documents that I saved regarding this issue. Enclosures : My Order conformation with my notes. My e-mail message cancelling my ticket order The order Summary indicating what I just paid for. XXXX response to my e-mail message well within 30 minutes of my e-mail message being received. Ticket order confirmation that was sent during same time that I was trying to cancel the order. My note on their notice to me, the last time I heard anything from their company. Please do not hesitate to call me at XXXX, if you need any further explanation or additional information regarding this dispute. Sincerely XXXX XXXX | ||||||
| 01/22/2016 | Yes |
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Web | Older American |
| Theft My life got interrupted through no fault of mine. I bought a company in a field that I spent majority of years working in. Unbeknownst to me, a competitive company in State of Florida also wanted my company. They watched and waited until I got successful, then filed a lawsuit for XXXX seeking damages, all trumped up. Well it winded through the Florida courts for over XXXX years and all my savings ( yes I had savings that could keep me afloat for at least 5 years if I chose to take a break ). All that and more was eaten up by legal fees. Won the case ( jury trial ) which left me in serious hardship. Instead of filing bankruptcy I contacted each lender - and so this is where Chase comes in. Applied for and got a Dodd Frank lower rate on my mortgage. Paid the first month and when the second payment was to be made, they would not accept payment. Went to the bank in person to find out why, bank manager could not tell me. I had to come back and call Chase Mortgage department. Nobody at Chase knew that I had a mortgage, did not know why payment could not be accepted, and wanted to find out who told me how much to pay, etc. And that was really where XXXX began for me. For the next two years - talking with over XXXX people from JP Morgan Chase, it was a puzzle..who told you your home was being foreclosed on? We have no such information in your file. As a matter of fact your file is empty. You have to file for a new mortgage again ... this I did over and over and over and over : by email, by Chase bank, by fedex, by regular mail..no matter what I did, the result was still the same ... always a page or XXXX missing that required me to fill out forms again. I kept every piece of paper and documentation of this XXXX that Chase put me through. I finally got it resolved after I cried like a baby to a manager at one of their bank. Manager faxed each sheet of paper and verified that it was received - I got my house out of foreclosure. In the meantime I learned from XXXX of the many Chase representative that I chatted with, that there was an 'open secret ' at Chase : staff members in the mortgage department were given incentives to foreclose on homes thereby adding a good amount of real estate to Chase XXXX ever growing portfolio. And that was how I got sucked into Chase 's XXXX. Contact XXXX XXXX the CEO of Chase to explain the situation and to get the excessive hidden charges of over $ XXXX removed from my account. A charge that I might add, was so deeply hidden that it was never displayed on my statement. Each time you called the bank to verify amount, quite a few of them had no idea what I was talking about. At this point I am not even talking about the sleepless nights, the pain and suffering, the stress all from a rogue company 's action. Chase 's response is always the same, we are right and you are wrong. I have the documentation, CHASE - nothing and they finally admitted that the mortgage was a VERBAL one. A legal institution giving a VERBAL contract while they made sure all 'i 's '' and " t 's '' were dotted when they were taking government hand out so that they could become 'too big to fail '. I played by the rules, I had exceptional credit score, I lived within my means, I was careful with my money and paid all my debts until the unlawful litigation from thieving Florida Lawyers. I work 20 hours per day, every day, to dig myself out of the financial mess..and all I am asking for is someone to help me with this dishonest financial institution. It amazes me that after all the dishonest dealings that caused the economy to tank, none of them went to jail. I am one person, I will never give up and will never let this dishonest empire rob me. I would rather be held up at the corner by a local thug than contribute to 'high ' living of this unscrupulous & dishonest gang. No difference between thug & Chase. Next - Press/TV | ||||||
| 01/22/2016 | Yes |
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| In the courts of law, I would like to ask Chase if the receipt of a physical financial statement or electronic statement can be proven beyond a doubt that a consumer has received notification? Postal mail can fail and in this case I notified Chase at the time that I was relocating and they have this on record as they have brought this to my attention many times. Electronic mail can also fail by being subjected to spam or never being received for some unforseen reason. As I have stated over the months I never received notification by Chase for any credit card statement with regard to this account ending in XXXX. In fact I still do not receive statements for some of my other accounts which I will now also submit conflict about. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. | ||||||
| 08/13/2015 | Yes |
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| I have a Chase Visa credit card and I am filing this complaint because Chase automatically blocks payments to a specific payee without : ( 1 ) contacting the cardholder before declining the transaction ; and ( XXXX ) providing the cardholder with prior notice that, despite the fact that the cardholder authorizes a transaction, certain payees are blocked on its system and payments to these payees will be automatically declined. The transaction in question involves the payment of a fee in connection with my daughter 's recent application for a XXXX ( i.e., an official govt. approval, not a XXXX credit card ) for academic study in the XXXX XXXX ( " XXXX '' ). The XXXX XXXX application can only be made online, and filing the application is a long, complicated process. Telephone contact with the XXXX XXXX office is difficult and available only if additional fees are paid. On XXXX XXXX, 2015 I authorized the payment of a {$510.00} application fee in connection with her application. When I checked my email on the morning of XXXX XXXX, I found an email from " Chase Fraud Alert '' asking me to let them know if I used my Chase card for the following transaction : " XXXX XXXX Fee {$510.00} Declined XXXX XXXX. '' The options were " YES '' and " NO. '' I responded " YES '' via email. I immediately contacted Chase Visa by phone to check on the status of the payment. I was told that it was automatically declined. I subsequently spoke with numerous customer service representatives to see if the transaction could be reinstated and processed. At XXXX point I asked a Chase representative to contact XXXX about it and we spoke with someone at XXXX in XXXX to see if we could get a phone number for the XXXX payee so the payment could be re-initiated. We were not able to make phone contact with the XXXX payee. I was ultimately told there was no way Chase and/or XXXX could reinstate the payment the payment that had been blocked by Chase. In contrast, I paid another XXXX XXXX application-related fee using my XXXX XXXX XXXX. The payment was processed. After XXXX XXXX processed it, I received a suspicious credit card activity alert and in response to the alert, I confirmed that it was authorized. It appears that XXXX XXXX processed the payment, but flagged it for potential fraud, and then asked for confirmation. No problem! Unfortunately, the automatic block Chase places on the payee in question, a " XXXX '' payee, resulted in non-payment of the XXXX XXXX application fee and rejection of her application for a XXXX XXXX. And, as a result of non-payment of the application fee, her XXXX appointment at a local XXXX XXXX office was cancelled and she could not be considered for a XXXX XXXX until she filed a brand new application online ( and repeat the hours-long, complicated filing process ). She has filed a new application, made a request that the other fee paid ( using my XXXX XXXX card ) in connection with her initial application be refunded, and has re-scheduled the biometric appointment at a XXXX immigration office, but at a later date. The delay resulting from Chase 's block has put her outside the deadline for normal processing time for a XXXX XXXX application. Now, in order to ensure that her XXXX XXXX application will be processed in time for her to begin her academic program, I have paid an expedited processing fee of {$190.00}. I hereby request that Chase XXXX immediately refund me for this fee. Chase 's unilateral block on the specific " XXXX '' payee is the sole cause of the delay in processing her application. The block is placed by Chase to limit its risks, not the cardholder 's. The cardholder 's risk is limited by Regulation Z, which provides that a cardholder can not be held liable for more than {$50.00} for the unauthorized use of the card. By overly restricting payments to this XXXX payee, Chase has made a ch | ||||||
| 12/28/2018 | Yes |
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| On the XX/XX/XXXX at XXXX, I called the Chase Bank Claims department to enquire about the status of some existing claims. I was expecting some funds to be returned back to me having earlier filed a dispute about multiple transactions which appeared to have been debited twice on my account. I spoke to a woman named XXXX of the operations and loss department who then informed me that Chase Bank had decided to terminate its relationship with me and had closed my account and suspended access. I implored the Bank to at least allow me to m! ke an online transaction for the existing balance of {$1000.00} and it was honored. I came home took a shower, logged back into my account and my balance had shifted northwards by {$300.00}. I decided to call the bank again because I wasn't certain which way the account would shift once I had put on my dress shoes drastically affecting any number of life decisions I might have made which depended on some kind of financial capability or security. This adequately sums up my issue with the Bank whom I had trusted to provide a secure and reliable financial relationship based on mutual integrity, honesty and transparency. As it turns out, Chase Bank has operated a Fraudulent and Unbelievably Wicked financial scheme to rob me of my monetary benefits and rights based on the assumption that I, being a XXXX XXXX but an iXXXX XXXX XXXX, XXXX in the US on an XXXX XXXX XXXX would not have the mental capacity or moral obligation to protest, expose and confront this injustice, if for nothing but to show gratitude to the systems and people who provided me the opportunity to benefit from living and studying in the greatest country on earth. There is a glitch in the accounting system of Chase Bank which allows the bank to charge customers multiple times, under the guise of " Pending '' Transactions. for the same transaction on its Mobile Enterprise Application. It's as simple as a game of bricks where by the position and placement of a single brick ( Up or Down ) determines the chances of win or lose. When I discovered this aberration, I filed a series of claims to reclaim back the amounts owed to me. Chase Bank in order not to lose money went ahead to file disputes with these merchants that these transactions were unauthorized when in fact they were, but Chase had put these debited amounts as pending, and when the merchant for some reason delayed collection they never credited these amounts back to my account, and charged me a second debit whenever the merchant showed up. Even more ludacris is the decision of the bank to abruptly terminate my account and suspend access to my own transaction records while these disputes and investigations are going on, effectively making the process one sided and unilateral. I can no longer see what is being credited or debited, reversed or honored. In a shameless display of lack of transparency, Chase has shut the lights off on me and could possibly be collecting money from multiple merchants claiming to be recovering funds and eventually leaving me to deal with the consequences of this day light robbery. I've been told that I will receive a check in the next 2-10 business days concerning whatever the outcome of the investigations and the money in my account has been frozen and I've been refused access to even withdraw or transfer that money out to use at such an auspicious time as the end of XX/XX/XXXX when Bills and many financial commitments are due. I have no doubt in my mind that in this land of the free called United States of America, someone somewhere will read this missive and understand exactly what has happened and will stand up and remind this establishment that accountability and justice will forever roam the dark recesses of dishonorable men and bring it to the full glaring light of Uncle Sam 's Sternest of Glares and disgust. Tuh! | ||||||
| 06/25/2017 | Yes |
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| I have tried to deal with JP Morgan Chase of NA numerous times, I previously had a trial modification in XX/XX/XXXX-XX/XX/XXXXwhereas I was wrongfully treated and I declined a Bogus offer of a permanent modification offer with wrongful accounting and numbers. Then I went through XXXX with XXXX XXXX on behalf of JP Morgan Chase of NA in XX/XX/XXXX whereas XXXX XXXX initiated another bad modification offer, I never initiated it instead a XXXX XXXX of XXXX XXXX deceitfully dropped it. I recently ( XX/XX/XXXX ) lost a Superior Court case against this bad loan ONLY because I have no monies for an attorney to properly ( lawyer like ) present my case to the judge. This leaving me in danger of JP Morgan Chases bad and abusive tactics and practices to take my home from me using Fraud and emotionally terrorizing tactics to get my home away from me for profit and also to hide the wrong and illegal practices within this bad ARM loan. I am presently also looking into my options to deal with this abuse legally! I am still also, presently be overcharged interest with this low interest cap ( 5.5 % ) on this ARM loan, see all attachments. While also last summer three of my mortgage payments were rejected to be sure it looks like I missed payments when in fact they were then rejected. There are three different mentions in writing from JP Morgan Chase of NA one stating 120 days missed another stating 6 months missed then still another letter stating up to date. JP Morgan Chase of NA is nuts and its accounting is beyond insane.. These are also in addition to 2 yrs ago the terrorizing note left on my door I already filed complaint with the CFPB on. The bottom line is that JP Morgan Chase of NA states in writing that XXXX XXXX owns this ARM loan when in fact XXXX XXXX does NOT own this loan. The representing attorney XXXX XXXX XXXX XXXX has copy of page 6 of the Office of the Inspector Generals Report showing that this is NOT a GSE loan. This fact in of itself proves JP Morgan Chase of NA not only can not foreclose on me " LEGALLY '' but also proves the existing attempts to commit fraud by ignoring this fact.. XXXX XXXX does NOT own this loan!! Please read all attachments by ignoring these documents further proves intentions of fraud to wrongfully foreclose on me!! I pay my own escrow whereas it is stated that JP Morgan Chase of NA does!! I do out of my own pocket! Also, the drive byes have started up again! causing me enormous duress that I could have a XXXX XXXX XXXX or another XXXX. In XX/XX/XXXX I sent in a Cease and Desist which is being ignored. These drive byes are being called " inspection costs '' further adding ( {$14.00} per month ) to this bad accounting but being listed as " Corporate Fees ''. This is a bad loan with too many wrongs and illegal practices to list causing this attempt at fraudulent foreclosure with bad wrongful accounting to try and terrorize me out of my home so that this fraud can happen by ridding of me. I am also concerned that another terrorizing door notice like the one already I filed complaint of in XX/XX/XXXX may be put on my door again, only this time I will take it to the local police dept if this occurs again. I am presently looking into my legal options to fight this attempt of fraud foreclosure before I am harmed not only financially but also emotionally and physically. This court decision I again will be taking legal recourse of by doing it in a more lawyer like fashion causing me enormous strains in many ways, even though it is very difficult as a XXXX yr old XXXX XXXX woman with little to no financial resources to fight it, this also proving the abusiveness of JP Morgan Chase of NA. It is within my legal rights to fight for justice no matter how ugly the threat on me and the possibility of loss of life due to the excessive stresses and damages created by it to obtain justice and compensations. | ||||||
| 11/10/2015 | Yes |
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| On XXXX/XXXX/15 I deposited a check in my account for XXXX in my chase account. The receipt said the deposit would be made available on XXXX/XXXX/15. I check my account on XXXX/XXXX/15 and it showed a positive balance of XXXX. On XXXX/XXXX/15 my account was showing negative XXXX. I called and spoke to XXXX who stated to me that their was a glitch in the system and the day and time I made the deposit. I told her XXXX/XXXX/15 at XXXX. She apologized to me that the glitch threw off the deposits they were working to get the matter address and to keep checking back. XXXX/XXXX/15 my account is negative XXXX. I called and spoke to a male supervisor in the internet deposit and he told me that. The check was submitted same day for payment although the funds were available the next day on my receipt. I asked him why would the check issued for payment for same day when the funds were not available until the next day. He stated to me that I should have waited until XXXX at nite or until the next day or went inside a branch. I hung up on him and called back around XXXX on XXXX/XXXX/15 I spoke to XXXX in customer service who instructed me that the payment was submitted to the clearinghouse on Thursday and they sent a response back on Friday stating that the funds were not available from the other account which cause my account to go in the negative and every other transaction. XXXX stated that they ( Chase ) would wait until XXXX XXXX/XXXX/15 for payment on the check. I asked her is that the same day the system glitch she said yes. I explained to her that I have an overdraft alert setup to text me but did not receive an alert until Saturday at XXXX. I then asked her how come that I did not receive an alert on Friday then. She stated to me to have the party who wrote me the check call and speak to customer service and then give a call back to get my fees credited back to my account. I called my boyfriend and informed him that XXXX stated for him to call in to chase to verify his direct deposit and to check if the funds were available since their was a system glitch on the same day his deposit should have taken place. He called and spoke to a representative and called me back. I asked him for the name of the customer service rep which he did not get. However she instructed him that they canceled the check because of the glitch and for me to call back and to inform the customer service rep when I call back of what she said. I called back and I spoke to XXXX who then transferred me to XXXX. Who now is telling me that XXXX what XXXX told me is not true. She stated that payment was submitted on Thursday and on Friday they returned the check. When I deposited the check I should have waited until XXXX that nite or the next business day and then the check would not have bounced. I asked was the funds submitted for payment on Friday and she stated that the payment was submitted on Thursday and the funds were not available on Thursday so they returned the check on Friday. I asked why did n't I receive an alert on Friday and she stated that their system was still reflecting a positive balance and so on Saturday after the fees were assessed that is when I would receive an alert. I asked her again was the check submitted on Friday and she said yes. However, because the funds were not available they would assess the fees. I asked her again is n't that the same day the system glitch and she said yes. I asked her so how can chase charge me for a check that was presented on Friday when the funds were available in the other account, But again you tell me that the system glitch. I told XXXX that I can not be liable from day one. If when I originally spoke to XXXX on Saturday and she informed me that the check bounced due to NSF on the other account. Then I would have corrected my account to bring it positive. Instead of constantly incurring NSF fees. | ||||||
| 10/10/2019 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX -- -XXXX XXXX VA XXXX Above is both accounts billing address - XXXX XXXX - - - Subject : Formal & Legal Complaint about and against Chase Bank Retaliatory Unilateral Adverse Actions Reducing in my two different credit accounts : each ones Credit limit by {$5000.00} or more ( Accounts Ending in XXXX & XXXX XXXX. . / -_ Dear Chase Bank Executives XXXX When Enough is Enough? It is wasteful to go over and cross my accounts terms and conditions with my rights asserted by the Consumer Finanancial Protection Act of 2010 ( CFPA ) and applicable Chase Bank consent orders with the regulators. It is wasteful for you ( Chase Bank ) to act in manners of revenge from my person because I reported you to the Consumer Financial Protection Bureau ( CFPB ) in what I believed it was your violations of my rights asserted under but not limited to the CFPA. -//////- -. What are the new Chase Bank retaliatory adverse actions made against my person in violation of the CFPA? : - - - 1-without my consent or knowledge and without any business reason, Chase Bank decreased the credit limit on my Chase Credit account XXXX by over {$5000.00} and left me with a full balance of almost 100 % if the new retaliatory credit limit. I rejected and disputed that unilateral retaltiory decision by chase bank and I am complaining about it legally to the CFPB after I called this Bank who refused to even answer my questions and requests. They even refused to let me talk to any chase bank manager over the phone. I exhausted all options to resolve the iSSUEs AND I AM a citizen without any means to fight this Bank now and for that reason I am complaining to the CFPB to take actions on this and return my rights back. - 2-By coincidence I found out about the first retaliation when I called about a transaction in that account above ( ends in XXXX ). Also by considence I discovered the second retaltiory decrease of credit limit, since I had paid also the same merchant ( I called to dispute a transaction done using account XXXX ) using my other Chase credit account ending in XXXX or XXXX. I was shocked to find out that chase bank decresead in the same way as for account ending in XXXX the credit limit .- 3- as above facts proven in my todays recorded call ( today XXXX XXXX ) to Chase Bank , it is also facts the following : it is discriminatory for chase Bank representative who refused to allow me to explain the reason for my call. Also it is disrespectful his jumping on my conversation to limit what I had to say about his Bank wrongdoings against my person as it appeared at least. He even refused and resisted shockingly to my repeated requests to him to get his manager on the line to talk to me about the issues caused unilaterally by Chase Bank in purpose and recklessly to discriminate against my person because I am a simple citizen and maybe I have no voice in this country so they can abuse me, abuse my rights as they wish without the regulators actions to protect me. I attached my recorded call referenced above. It is an evidence to be used in a court of law as this complaint and any response to it. - - Chase Bank by its actions would like to starve me to death. I can use the cards anymore and they made me subject to their future new retaliations. It it clear the Chase Bank future motives to starve me and oppress against me by financial legal tools but I have warned and noticed Chase and the regulators of that now. They must act now before Chase succeeds and cause my *death*. - **All stated herein is to plaintiff current states belief knowledge and understanding and it is all subject to any change or correction or anything and only by him or his counsel or representative and without any notice and without waiving his rights. Best Regards, The plaintiff or XXXX XXXX XXXX complaint filed today XXXX XXXX within CFPB. -/// | ||||||
| 10/06/2018 | Yes |
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| On XX/XX/2018 I reported to Chase that my XXXX Credit card ending XXXX had been used for a series of unauthorized transactions with XXXX. I told Chase that I had left my card in a restaurant and I believed the number had been compromised/stolen. There were 12 unauthorized charges from XXXX totaling {$860.00}. Chase said they were initiating an investigation and removed the charges from my account. I was contacted by a fraud investigator by phone, named XXXX XXXX, and as requested by Chase, I provided to Chase a screenshot of my XXXX account by email showing that I did not make the charges. On XX/XX/2018, I was informed by letter from Chase that they had concluded their investigation and the conclusion for each XXXX transaction was that " You received benefit from this transaction. '' I was contacted by the fraud investigator, Ms. XXXX, by phone and she told me that they were placing the charges back to my account and that the result of the investigation was that I owed the money. According to Ms. XXXX, this was because I had an existing relationship with XXXX ; as I later found out, XXXX was not contacted and no actual attempt to determine whether I made the charges was undertaken. These charges appeared on my balance, and I was required to pay these charges in full or incur interest, according to Chase. I paid them in full and began researching my options. On XX/XX/2018, I sent an email to Ms. XXXX ' Team Leader, XXXX XXXX, for whom Ms. XXXX had provided contact information, citing the FCBA and 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ) requesting the documentary evidence that they received from XXXX indicating that I owed the money and had allegedly " received benefit '' from the transactions ( email attached here ). I received no response to my request to this day. On XX/XX/2018, I contacted Ms. XXXX ( fraud investigator ) by phone at Chase. I asked about the documents requested under the law. I was told that there were no documents in Chase 's possession because XXXX had not been contacted by Chase as part of the investigation. I was told that the reason XXXX was not contacted, and no investigation was undertaken, was because XXXX does not have a phone number and so she supposedly wasn't able to actually contact them. Worse, I was told that she personally knew that I had, in fact, not received benefit from the transactions because she had seen the screenshot I provided of my account showing I did not make the charges. In sum, the Chase fraud investigator told me in a recorded phone conversation that ( 1 ) no investigation was actually performed ( because XXXX supposedly doesn't have a phone number ) and ( 2 ) that she personally knew the letter that was sent as result of her investigation was not true and that I did not receive benefit from the transaction. The phone conversation was being recorded and I asked that they not destroy or lose the recorded phone conversation because I intended to pursue additional legal avenues. Thereafter, I contacted XXXX to dispute the charges. XXXX informed me that they were readily able to confirm the charges were not mine and that I would be refunded through Chase ( email attached here ). I then sent an email to Ms. XXXX requesting my money be refunded ( email attached here ). To date, Chase has not refunded me the money that they owe me as a refund from XXXX. Chase failed to contact XXXX or perform any reasonable investigation. Chase also did not provide me with documentary evidence when requested, as required by the law. Worse, Chase has been refunded because the vendor concluded that the charges were fraudulent, and has not paid me the money now owed. As acknowledged in a recorded phone call from their fraud investigator, they performed no investigation and without any documentary evidence concluded I received benefit from each transaction, knowing I did not. | ||||||
| 05/19/2015 | Yes |
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| First of all, identity theft was committed using my decease mother 's and my name and social security numbers number to open different accounts with different account numbers in order to collect on an alleged debt that was duly satisfied, written off and then sold. Did n't return and answer all the questions in the Qualified Written Request and Debt Collector Disclosure Statement. It included an Affidavit for person of authority to complete concerning the alleged debt. They skirted and defrauded the states of the lawfully required recording fees. and fraudulently recording of documents on the state and county levels even using my decease mother to file Notices of Default, assignments of Mortgage including substitution of Trustees. Look like they back dated some of them in order to appear that they were submitted. I am also disputing the validity of the assignment in order to protect the interest of the holder/investor//real party of interest. They are not the real party of interest. A securitization audit with and expert witness shows they are not party of interest and violated the transfer and tax laws according to ( FSA ) Financing Accounting Standards and RIMIC, Real Estate Mortgage Investment Conduits, The REMIC holds all the loans together into a pooling and servicing agreement. However, because they chose to avoid the IRS tax rules for double taxing, they pass on the real party of interest/ownership of the asset to the individual shareholders. So neither the REMIC nor the Trustee may foreclose. ( PSA ), Pooling and Servicing Agreement, FDCPA Laws, FTC, Privacy Laws, Social Security Act, ( FACTA ). They filed inaccurate derogatory information on my credit reports, thereby damaging my credit which results into injury. The agencies may have violated the ( FRCA ) by selling my information to third parties, ( TILA ) They violated the TTILA by not disclosing verbally that I had three year to rescind my contract. We were not told that the note was a monetary instrument and that a note in a mortgage transaction exceeds a maturity of nine months, and therefore it is already a security. Ref 15 U.S.C 78 ( c ) ( 10 ). Therefore, any reference to a note is your/knowledgeable, willful fraud by conversion, intent and action. Without Disclosure Washington Mutual, JP Morgan, and associates registered the note as a security with the SECURITIES AND EXCHANGE COMMISSION using form XXXX. Fraud was committed because under U.C.C 3-306, there can not be a holder of due course on a promissory note after you deposit it so you use off balance sheet bookkeeping under ( FSA ) Financing Accounting Standards to hide the asset of the true creditor. All banks and subsidiary mortgage companies follow FAS standards.FR XXXX is one of several reports that are filed on XXXX form in which the public has a right top disclosure under the Privacy Act that shows the purported borrower 's asset and you, Washington Mutual, JP Morgan and or your parent corporation, other subsidiaries, agents, liability.You are required under 12 U.S.C. 248 and 347 to file an FR XXXX balance sheet. Your liability is my promissory note. It is your liability because it is an asset to me. I am demanding copies of the XXXX registration statement fro you and anyone connect to you that shows THEY sold the note that is a transfer, the XXXX ( b ) ( 5 ) prospectus, the balance sheets FR XXXX, XXXX, and XXXX that have XXXX number on them and a re subject to disclosure under the Privacy Act, Title U.S.C. 552 ( a ). You, your associates and previous purported owners of the note have " intentionally created fraud in the factum and withheld from me vital information concerning said debt and all of the matrix involved in making the loan. Filed an incorrect XXXX ( CAL.CIV.CODE XXXX ( c ) ) We are appealing XXXX XXXX XXXX XXXX and filing a XXXX with the SEC for illegal trading of securities. | ||||||
| 04/02/2019 | Yes |
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| I just had to close ALL of my accounts with Chase bank today. Actually, one account was previously closed because of fraudulent activity ( chase reversed the fraudulent debits on my accounts, but did not reverse the fee 's that resulted from the fraudulent debits ). I also have my auto loan with chase. Last month, XX/XX/XXXX, there were two separate payments taken from my account ( i only and always pay once a month, never ahead, never been late on a payment, not even once, until this issue ) I've always paid online using my chase app. I called into chase ( XX/XX/XXXX ) and requested that one of the payments be reversed since i was being double charged, first they recommended not to reverse it since " my account was paid through XX/XX/XXXX '' but i notified them that i never pay ahead, only on time since i am a salaried worker, receiving my paycheck once a month. I told them that i wanted the ACH debit payment not to go through, since i have never paid that way before and i had already submitted my payment online ( through the app chase mobile ). Instead, they reversed the online payment that i made, reversing the payment that i make every single month through my app. First they told me that i reversed it because i did not have enough funds, when in fact i did, then they told me that they reversed it because i requested them to ( i know the phone calls are recorded and i clearly told them that i wanted the ACH debit to be reversed, the one made over the phone. So why was MY payment reversed? No one can seem to answer this question. I spoke with XXXX from chase auto finance, who was not listening to anything that i was saying, she wouldn't even submit an investigation when i explained all this to her, telling me that " it doesn't matter which one was reversed '' when it actually does. She also told me that i put a " stop payment '' on the ACH debit, but i told her that's because her employee advised me that i do so. All of these calls are recorded, i don't understand why i have to keep going through this. When they reversed the wrong payment, it went straight to OD recovery ( the other account that was closed due to fraudulent activity ). The OD recovery account was from fees that i should not have been required to pay ( if they accepted my first claim back in XXXX when someone fraudulently used my funds, and gave me back my funds, why weren't the fee 's associated with that claim reversed as well? I feel like this was done on purpose by chase, in order to get that other closed account paid off and for me to resubmit my car payment. I just want this fixed, i worked very hard for my money and submitted a payment ( online. Why reverse that payment and not the one that was asked to be reversed ( the ACH debit )? Please check the phone calls from XX/XX/XXXX, and XX/XX/XXXX and you will hear that i clearly requested for the ACH debit to not go through and later i was advised by a chase employee to put a stop payment. i am now behind on my payment and am afraid to make another payment over the phone or online because of this awful experience. I just want to be treated fairly, like anyone else would. I even went to a branch as advised and was even met with a more rude and unprofessional manager, XXXX XXXX. I was talked down to and belittled the whole time. Then when i told him i would like to close my account, he took my card and BENT IT IN HALF and said " well, this is property of chase '' i was shocked. That really made me upset, because i ordered that card design for special reasons important to me and even though it may have been deactivated, it was still my card. That kind of treatment is unacceptable, it really is. As mentioned earlier, i have closed my accounts with chase and will not be doing business with them anymore, but i still would like to have this issue corrected and my payment for XXXX accounted for. | ||||||
| 03/29/2017 | Yes |
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| I was charged {$270.00} twice on XX/XX/XXXX. This was for an online order for XXXX replica watches from XXXX order placed ( order # XXXX ) on XX/XX/XXXX. Their website address is XXXX. I had initiated a dispute via Chase online on XX/XX/XXXX for 1 of these charges because I immediately saw that the merchant double billed me as I only successfully placed 1 order of {$270.00} on their website. At the time, I was expecting the order to be shipped and did not dispute the 2nd charge for that reason. About 2 weeks later, the merchant ( XXXX via the email address XXXX ) notified me that they did not have the items in my order in stock and offered to send a different item that what was ordered. I was already displeased with the merchant as I was double billed ( reason for my XXXX dispute ), overcharged ( order was supposed to be {$250.00} as shown in provided screenshot ), so I requested for the order to be cancelled and payment to be refunded on XXXX chat. The merchant obliged and refunded the 2nd charge on XX/XX/XXXX as I verified on my credit card statement. I was also on my statement that I was granted a credit from Chase as a result of my dispute during the same billing cycle. At this time, I had the understanding that the merchant issued credit was for the 2nd charge of {$270.00} since the order was never fulfilled and I have not contacted the merchant ever since that time until now as I recently found out Chase was taking back their issued credit from my account since they claim 2 credits were issued for 1 charge. After both of the charges were credited, I shortly closed the XXXX account on XX/XX/XXXX with a {$0.00} balance with the understanding that both disputes were resolved. To my surprise, I received notice the next month from Chase that the account would be re-opened on XX/XX/XXXX because I was credited twice for the same charge. I immediately disputed their rebill charge. I faxed my appeal to Chase the same month. Ever since that time, Chase was handling this dispute and has requested for more information regarding the dispute and I have pleaded my case that the 1st issued credit from Chase was for the double charge and that the 2nd credit was issued by the merchant for the cancelled order. I had no idea that the merchant had chose to credit the same charge that was already disputed. I did not know of the mix up with credits and charges until I received letters in the mail from Chase for both disputes on XX/XX/XXXX. It is fairly easy for the confusion as both charges were for identical amounts posted the same date. The merchant has refused to honor the credit ever since and I was told by Chase that the merchant can not be forced to issue a refund due to the time that has elapsed. I had disputed both charges in a quick manner, the same month that both were posted. Until this time, I did not realize that the merchant had chosen to credit the charge that was already credited to me temporarily by Chase which I disputed for being double billed. I would like to add that the merchant had promised orders would be shipped to the consumer in " 3-30 working days '' from their payment confirmation email. It has been well past the 3-30 days timeframe and I have yet to receive the product as promised. As of today, XX/XX/XXXX, the status for the order is still " pending '' when I am logged into their website and viewing my order history. Merchant has disregarded that I was charged twice, they only admit to refunding me for the 1 charge of {$270.00}. Both charges of {$270.00} should have been credited properly and I should not be responsible for the {$270.00} charge Chase is re-billing my account. Chase handled my dispute in a poor manner and should not stick me to their timeline for disputes as a result. Several months passed since my card was closed and reopened/re-billed for the dispute that has dragged on till now. | ||||||
| 08/11/2016 | Yes |
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| XX/XX/2014, I signed a lease agreement underwritten by Chase Auto Finance. My boyfriend ( let 's call him BF ) had committed to making the payments, and I paid the down payment and initial tax, title and fees. In XXXX, I logged in to Chase 's online payment portal for BF to authorize his bank account ( XXXX XXXX ) in order for Chase to pull automatic monthly payments from his XXXX XXXX account. The authorization process required BF to log in to his account and verify a small deposit made by Chase, which he did. In XX/XX/XXXX we separated amiably, and I asked BF if he intended to continue making payments, as promised, or if I needed to absorb that expense. On XXXX XXXX, BF responded by email, " as promised, I will continue to pay the car lease. '' And he did, for the next two months. Then, in XX/XX/XXXX, with no warning, and no discussion, no prior notice from Chase, I received an email confirming that they had processed the stop payment for XXXX 's installment and two months ' payments had been effectively reversed. I was speechless, stunned! I immediately contacted Chase and asked for documentation, an explanation, and for further review of how this was possible. I spent endless hours on the phone, seeking answers and options, trying to understand why on earth Chase returned two months ' payments without any authorization from me, their contracted customer. After many calls and callbacks I was told that the payments were returned because XXXX XXXX had received a dispute from BF claiming the charges were 'unauthorized '. I asked how, under the circumstances, when BF verified his bank account using their own secure portal and procedure, and payments had been made consistently via that same method for a total of 12 months, payments could just systematically be reversed so swiftly, with no further documentation required. They claimed they had no choice but to return the payments to XXXX XXXX. One week later, an additional payment was reversed. And the following week, on XXXX XXXX, two more payments. In the span of 20 days, six months of payments legitimately made and applied to my account were gone, and there was nothing I could do about it. My account went from current and in good standing to egregiously delinquent, in less than a month, through no action of mine. Despite every effort to explain, to plead, to understand, to resolve, a few short days later, when XX/XX/XXXX closed out in Chase 's accounting system, my auto lease automatically charged off and transferred to their Reclaim department. Again I explained, looked for solutions, asked for explanations, a deeper-level review, reconsideration. I was told my only option was to pay off the loan in full, all {$20000.00}. I asked how on earth I was expected to secure an auto loan with a charged off auto lease freshly on my credit report. Of course, I asked for Chase 's loan application and was told they would n't be able to help me. Exhausted of energy and options, I hired an attorney. My attorney wrote a letter to Chase asking them to name the dollar amount they would need me to pay in order for Chase to reinstate my lease in good standing. We also asked for my credit bureau records to be corrected to remedy the credit damages I had suffered. Chase 's response was that they were willing to do neither, that it was my debt and they had no responsibility for the status of my lease or the series of actions that caused my lease to be charged off. Ironically, I am the ONLY party who had no control over those actions, and I am the one who signed the lease. Although Chase wishes to hold me fully accountable, in truth a lease is an agreement that binds ALL parties to the terms, and Chase did not honor their contract with me, nor was there any fail-safe in their policies to ensure payment reversal could n't cause a charge-off or seriously compromise my financial stability. | ||||||
| 05/14/2015 | Yes |
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| I opend a mortgage with Washington Mutual in XXXX. Since then the loan has been transferred on several occasions and ended up with Chase. The experience with Chase was a complete nightmare and even though our loan was part of forgiveness due to the DOJ settlement, this mortgage continues to haunt me and my family. It is reporting on my credit report as settled for less than full balance as well as a charge off and it 's making it impossible for me to purchase a new home. They have threatened foreclosure on so many different occassions even though the mortgage was paid. They were applying the payments I was making to the escrow account rather than the mortgage. Also the balance has done nothing but increase. The original amount borrowed was only {$75000.00} and at the time of forgiveness ( 17 years after the mortgage was opened ) they claim the balance was {$95000.00} and that is why they are stating it was settled for less than full balance. I had a friend of mine working on this for me and she called an requested payment history on the account and from XXXX when the loan was with Washington Mutual, the produced payment history which is totally bogus, then Chase sent payment history from XXXX of XXXX and there is no principal balance anywhere on this payment history and it as well is totally bogus. There are times where it shows {$20.00} Fast Pay Fee and shows where it 's paid but then it shows the payment made for mortgage as {$0.00}. There are over {$20000.00} in corporate advances besides the escrow and taxes. Every time I turned around they were stating I had to {$4200.00} or {$3300.00} to prevent the house from going into foreclosure which had me very confused because after my Chapter XXXX Bankruptcy, I always paid my mortgage. I may have been a little late with it but I always paid it. Also, Chase completely left out all payment history for the years of XXXX, XXXX, and half of XXXX. Once my Bankruptcy was complete and discharged, Chase again, started foreclosure proceedings stating that I owed {$17000.00}. AGAIN THIS MAKES NO SENSE. Chase stated at the time that of transfer their was money missing and I was responsible for it. I had to come up with {$12000.00} again to prevent them from foreclosing on my home but this was in XXXX and of course they did n't include that payment history. Another thing that I noticed was in XXXX of XXXX Washington Mutual made a {$9700.00} which was added to my principal balance. Why would they suddenly add almost {$10000.00} to my mortgage? The same day I requested payment history back in XXXX I also requested copies of the note and all of my paperwork and they 've still yet to present any of this. The payment history they sent is completely inaccurate and it 's no wonder I owed {$20000.00} more than what I originally borrowed with all of the fees and advances they were giving themselves. The friend I gave written authorization to speak on my behalf, spent hours upon hours upon hours on the phone with Chase and was transferred to every department that exists including the Home Equity Line of Credit Department which I never had a Home Equity Line of Credit. The ladies response was " Oh sorry, here at Chase we are a little slow. '' I 'm having a hard time understanding how this account was forgiven by the DOJ due to the illegal activities that were taking place with this loan, but it 's still reporting on my credit report and preventing me from being able to move on with my life. I was always under the impression that fraudulent accounts where not allowed to report on the credit report but I guess I was wrong. I also requested a copy of something stating that this loan was part of the settlement and was involved with the DOJ but they stated they would n't be able to send me that either. Noone can answer any questions that I have and noon is willing to provide documentation. | ||||||
| 07/08/2021 | Yes |
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| CHASE bank failed to follow the CARDMEMBER SERVICES AGREEMENT when applying credits and payments to an account that has two interest rates. Furthermore they refuse to amend credit reporting on the account to elucidate that there are two types of account. One type is a protected or safeguarded balance that is subject to the original fixed rate which can not be charged to or balance increased. Then there is the new variable rate account that actually has a revolving balance. Essentially there is no difference between a fixed rate loan and the fixed rate safeguarded and protected balance. That balance is on a fixed repayment plan and the credit reporting must reflect that. Excerpts from the CARDMEMBER SERVICES AGREEMENT : " We figure the daily balance for each transaction type as follows : We take the beginning balance for each day and add - anyinterestchargefromthepriorday ( knownascompoundingofinterest ) and - anynewtransactionsorotherdebits ( includingAnnualMembershipFees, transaction fees, Penalty Fees, any other fees and unpaid interest charges ). We subtract payments or credits, and treat any net credit balance as a XXXX balance. The result is the daily balance for each type of transaction. '' " We figure the interest charges on your account as follows : To get the daily interest rate for each type of transaction we divide the APR by 365. We may combine different transaction types that have the same daily interest rates. We multiply the daily interest rate by the daily balance for each transaction type for each day in the billing cycle. We add together the interest charges for each day in the billing cycle for each transaction type. If any interest charge is due, we will charge you at least the minimum interest charge shown on the Rates and Fees Table. '' " When you make a payment, generally, we first apply your minimum payment to the monthly obligation for any Flexible Financing Offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods, and then to the balance on your monthly statement with the lowest APR. Any payment above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. If you do not pay your New Balance or Interest Saving Balance, as shown on your statement, in full each month, you may not be able to avoid interest charges on new purchases. '' In the definitions there is no delineation or difference in how a return by a vendor is processed as a payment or credit vs a payment made by the member. As such both types of credits are equivalent and should be applied to the balances of each type of interest rate accordingly as given above. This was not done by CHASE. I do not know what they did or how their algorithm is not calculating the interest rate properly. The result is that why we made a large temporary purchase on the card and then had that purchase refunded by the vendor the new higher variable interest rate balance was not credited for the payment made. As such CHASE has been over charging interest since they began the Variable rate in XX/XX/19. This is entirely likely not just a me problem in that whatever computer program they use is used on every cardmember who previously had a fixed rate. As Such they have over charged me interest and as a result the balance difference between what they show and what I calculated is {$6600.00}. I have attached statements from a few months before the change in terms. I have attached a pdf spreadsheet credit and debit ledger showing the daily balances for each day of transaction on the account. I have also attached the XXXX spreadsheet to review the calculations I have attached correspondence from CHASE I have attached the cardmember services agreement I have attached a screenshot of todays balance. | ||||||
| 03/27/2017 | Yes |
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| On XXXX/XXXX/16 we began depositing money into a binary options platform, called XXXX ( XXXX ) - XXXX. In total we deposited $ XXXX on various credit cards into the account before realizing this was a scam. We stopped trading. We had a gain of $ XXXX. We immediately contacted Chase 's disputes department- XXXX/XXXX/16. Following the advice of the agents, we culminated all of the evidence to show how XXXX was a scam and the services which we had paid for were not rendered. Chase misrepresented us and mistreated us in this disputes process. XXXX, who was the last Chase rep. from the Executive Office whom we spoke to, admitted to us ( XXXX/XXXX/16 ) that we had a solid case and that Chase was wrong but that it was now too late to do anything - after they repeatedly pushed us off. Had Chase properly researched and dealt with our dispute without passing us off from agent to agent, the necessary steps would have been performed in order to save our money. 1 ) Our case involved many intricate details but no Chase rep contacted us in order to better understand the situation. We repeatedly tried to call but we were never allowed to speak to the rep. handling our case. We left many messages asking to be called, to no avail. 2 ) On one occasion, ( approx. XXXX/XXXX/16 at about XXXX ) XXXX, a chase disputes rep., conferenced us to a XXXX rep. XXXX agreed to the Chase rep. and us that the money would be refunded. They told us to log on to their website and make an electronic withdrawal. Chase then closed the dispute but the withdrawal never went through and we never received the refund. 3 ) Chase told us that if we furnish them with a letter from a finance trading professional then this would be sufficient evidence to win our dispute. On XXXX/XXXX/16, we reopened the dispute including signed documentation from a finance trading professional explaining how the XXXX platform which trades in milliseconds was not even in real time. He documented a number of other reasons which proved that it was impossible for us to have been receiving the service that was promised to us. Also furnished to Chase, was an email from the XXXX broker who had worked with us, outlining the services which he promised to provide upon our deposit, none of which were provided - which we proved. See attached. 4 ) Chase disputes representatives ( reluctantly ) admitted to us that they were familiar with this company and that it was not legitimate. 5 ) We repeatedly tried to get back in touch with the agent from Chase who was on the phone with us, leaving messages for her to call us which were not returned. 6 ) Chase claimed that XXXX had shown documents we signed saying we had received the services promised to us. We never signed any such document. When we asked the representative to check the signatures, they said they do not verify signatures. They also refused to provide us with those documents. 7 ) In XXXX, the Executive Office took over the dispute but the case was passed between representatives and we were put off many times by representatives transferring positions and no one person handling the case. After a few weeks of no response, on XXXX/XXXX/16, XXXX called us and abruptly said that it was too late and there was nothing that can be done. They had promised and confirmed that once the dispute was opened within 180 days of the charge, there was no concern of it becoming too late. This was severely negligent of Chase. 8 ) While we were on the phone with XXXX she just hung up the phone on us. Throughout this entire saga, Chase acted a haughty, faceless organization without showing concern. 9 ) It is also important to make a note of the fact that some of this money was charged on a XXXX credit card. The person handling the dispute was the person who we spoke to and after briefly looking into the matter they immediately refunded the full amount. | ||||||
| 03/23/2017 | Yes |
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| I recently fell on hard times due to the loss of a job back in XX/XX/2016 ; at no fault of my own.I reached out to my creditors to alert them of my hardship in hopes of getting some assistance. Each time I 've spoken to a representative from Chase Auto Finance, whether they call me ( multiple calls daily on an auto-dialer to my cell phone ) or I call in, I am threatened with repossession. " XXXX XXXX, in reviewing the notes on your account, I do see that the account is being reviewed for repossession. '' The account can be 10 days past due, and the threats continue throughout the call, even when I 've given them a date in which the payment will be made. Not one time, has a representative offered a hardship deferment or a payment arrangement to get the account back on track. It 's become unbearable to even speak to them at this point. I reached out to them one last time and got a representative by the name of XXXX ( he read his employee ID off so fast, I could barely catch it ) possible employee ID : XXXX. I began to tell him about the hardship I faced that from a job loss and shortly after purchasing the vehicle ( using my offer letter for a new job ) in XX/XX/XXXX. He interrupted me to tell me my account is being reviewed for repossession. While the comment was hard to ignore, I moved on to ask if they had a deferment option for one of the payments ( currently 2 behind ) and explained my plan to take care of the other. He then said that I had an affordability issue. How he came to that conclusion without asking me for my income & debt, I 'm not sure. I expressed to him that this account was not the only one behind so when I began to work last month, I had to catch up priority items such as electric and water first which took up the majority of my first XXXX paychecks ; however, they did receive a payment from my first paycheck. I had to advise him again that affordability did not apply to this situation. I can and will be able to make the payments going forward as I actually make more money now than I did when they financed the vehicle. I also explained how I was able to maintain the payments from XX/XX/XXXX thru XX/XX/XXXX which included unemployment and selling items on XXXX. I wanted to express to him that I will make the payment no matter the cost. He went back to saying " See, since you have to sell stuff, you ca n't afford this payment. '' I had to ask him to stop talking and actively listen as I was answering his question regarding how I made the payments during the time I was unemployed. He then placed me on hold for several minutes, came back and said that I do not qualify for a deferment because the account is so new and in order to qualify for the deferment, I would need to make both payments by XX/XX/XXXX or my vehicle will be reposessed. I was hoping that did n't make sense to him because if I could pay both payments, I would no longer need a deferment. He then threatened me with repossession again. I am uncertain if this threat tactic is coming from the top, but it needs to stop. That threat is not going to move anyone any faster to cure the account if they simply do not have it. What it will make us do is allow them to repossess the vehicle and file complaints on their tactics as any smart consumer knows that it costs banks more to process and repossess a vehicle than it does to work with their customer who is facing a temporary hardship. IF there was an affordability issue based on my income, that means, I did NOT qualify for the loan to begin with and the loan should not have been approved. I can afford my payments, and I can afford to make two payments, I just can not do so all at once. I find it unsettling that NONE of the reps I have encountered over the last several months presented options to keep me as a customer. Even a payment arrangement to give me a little more time would have sufficed. | ||||||
| 09/19/2016 | Yes |
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| On XXXX XXXX 2016 I was approved for a {$1000.00} loan via direct deposit to be made to my Chase checking account from what I thought was a legitimate online loan company XXXX XXXX XXXX XXXX via XXXX. Only to find out that this company deposited {$330.00} into my checking account with it showing that Chase was the lender and not XXXX XXXX nor XXXX XXXX. Plus this loan company also made credit card debit disputes to my checking account as if I made them. This loan company also made credit deposits to my checking account that looked as if Chase made the credit deposits. Once I notified Chase and informed them that I had been scammed and frauded and that the bank had been as well. All three of the customer service representatives that I spoke with did not believe me. I then ask to speak with the Fraud Dept and once I was transferred and explained to them what had happened. I was told there was nothing they could do since the representative had closed my account. She would not even take down any of the information I had on the loan company. At that point I called the Executive Office of XXXX Chase Bank. I then spoke with a gentlemen that understood what had happened and he clarified what I explained to him as to what happened. His response was " very interesting ''. I also ask him if there was any way they could intercede my Social Security Check that was due to be direct deposited at midnight on XXXX XXXX 2016. I had called the XXXX XXXX once I got off the phone with him and then called him back. I had both of them on the phone at the same time. My check was finally intercepted and I was able to withdraw my funds on that following Wednesday from the local Chase Bank. Once the money was deposited I was to withdraw {$330.00} of that {$330.00} and send via XXXX to XXXX to a XXXX XXXX in Indiana. This withdrawal was to be done inside the bank by a withdraw slip and not via credit card. This was done on XXXX XXXX 2016. Still at this time I was unaware that this loan company was not a legitimate online loan company. Once I completed the transaction I was to call XXXX XXXX back at Cash Loan and give him the reference number associated with the Money Gram transactions. I then tried to use my Chase XXXX card at the XXXX gas station and was unable to do so. My card keep showing declined and invalid. That was at around XXXX XXXX on the morning of the XXXX of XXXX 2016. After I got home. I checked my online banking account to see if the {$1000.00} had been deposited. That was around about XXXX or so. I was told by XXXX XXXX to give him about an hour. I told him I had already been waiting over 2.5 hrs. He said it was because of my credit score. I tried to check my account again an hour later only to find out that I could not access my online account. The online loan company had blocked my debit card, blocked me from logging into my banking account. I called the bank again and was told all of the disputes, and credits that was made to my account by Chase. I had informed XXXX different representatives, Fraud Dept and Executive Office plus a mediator that was over seeing my account cause of some pending transactions on debit charges I had made the first part of XXXX from the XXXX through the XXXX. I am unable to get anything resolved to this scam and fraud that has been to me as well as to Chase Bank. All I get is that there is nothing on my account that shows that this loan company has made a deposit. I have tried to explain to everyone that I have spoken to that it was not Chase Bank that was the Lender nor did I at any time apply for a loan through Chase, nor did I request for a credit card dispute or ask for any kind of credit and all the pending charges that are showing are debits that has already been paid and I had a positive balance at the time of all this and when I made my withdrawal of my SSXXXX and closed out my account. | ||||||
| 05/18/2016 | Yes |
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| XXXX/XXXX/16 Purchase offer in the amount the home was listed for, {$500.00} deposit, and proof of funds submitted to XXXX ( Listing Agent for the property ) by my XXXX XXXX. XXXX/XXXX/16 XXXX emailed XXXX to inquire as to whether the bank had made a decision in accepting my purchase offer who then informed XXXX that the bank had made a counter offer asking for a {$2000.00} deposit be placed on the home. I drove to XXXX 's office that day and made out the additional check that the bank was requesting. XXXX/XXXX/16 XXXX called XXXX to confirm the status of the purchase offer. At this time she was informed that the bank would accept the {$2000.00} deposit but only if I agreed to move the closing date from the original XXXX/XXXX/16 closing date on the purchase offer ahead to XXXX/XXXX/16. I agreed. XXXX/XXXX/16 XXXX emailed XXXX inquiring to the status of the updated purchase agreement from Chase. At that time XXXX was still waiting to hear back from Chase. XXXX/XXXX/16 XXXX received the updated purchase agreement and forwarded it to me. XXXX/XXXX/16 I signed and faxed the purchase agreement to XXXX who then faxed it to XXXX. XXXX/XXXX/16 XXXX emailed XXXX after being unable to get he on the phone to inquiring as the the status of the contract agreement. XXXX informed XXXX that I would need a signed contract from the bank by XXXX/XXXX/16 in order to ensure that the funds for closing would be available for the XXXX/XXXX/16 closing date ( In order to withdraw the remaining funds I need a signed contract agreement ). XXXX/XXXX/16 My attorney XXXX drafted a letter regarding my need for a signed contract in order to close and it being the banks responsibility if closing did not occur on the stated date due to their failure to provide documents back in a timely manner to be sent but aside from XXXX, we had no other contacts to forward the email to. XXXX tried several time by phone and emailed XXXX inquiring as to the status of the contract agreement being signed, as well as requesting additional contacts for my attorney to forward the email to. XXXX/XXXX/16 XXXX responded to XXXX 's email stating she had just been notified by the asset manager at Chase that there was a title issue and closing date needed to be pushed back to XXXX/XXXX/16. She also stated that she still did not have a signed contract agreement but had notified the bank of the need for it. She provided the closing attorney 's contact information. XXXX/XXXX/16 XXXX emailed XXXX, XXXX ( Seller 's closing company ) requesting the signed purchase agreement. XXXX responded stating " I have yet to receive the referral for this file but I will let you know if I receive anything. '' XXXX/XXXX/16 XXXX was informed that the closing date now needed to be pushed back to XXXX/XXXX/16. XXXX/XXXX/16 XXXX received an " as is '' addendum reflecting a XXXX/XXXX/16 closing date. This also contained an addendum stating that I, the buyer was to be responsible for " all closing costs '' and stated that this addendum " supercedes # XXXX ''. # XXXX states that " both seller and purchaser ( s ) agree to pay their respective title/escrow/closing costs per local customary practice ''. I questioned this with XXXX and XXXX, as I felt this was an unfair addendum and did not have a full understanding of what it was the bank was trying to do. XXXX/XXXX/16 XXXX spoke with XXXX who informed her that there were no unpaid back taxes on the property and that their were no liens on the property. At this time we are unsure of what exactly the " title issue '' is. XXXX also clarified the stipulations of proposed addendum with XXXX who reported that the seller will pay for real estate commissions and agree to transfer a clean and clear title. XXXX also informed XXXX that they needed the signed contract back promptly. XXXX needs to review the contract before I agree to sign it. | ||||||
| 06/05/2016 | Yes |
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| To Whom It May Concern : Today I had one of the most ridiculous experiences with the banking industry that I have had yet, and frankly, I 'm over it. It has literally been a comedy of incompetence and lack of professional concern from start to finish. I opened an account with Chase a few weeks ago. I already had a Chase Quickpay account that I used regularly to send money back and forth to my brother. I live in Florida, and currently work in California. I needed to withdraw about XXXX dollars to purchase a car, and Chase did not have any system set up where my brother could approve me for a withdrawal or add me to his account while we were in different states. Chase has been prompting me for about a year to open up a Chase account via Quickpay, and that seemed to be the best way to get the money fast, so I opened up a Chase Checking account. Before we even left the bank, it turns out people were messing things up and not caring about it. I mentioned my quickpay account BEFORE setting up the new checking account, and ASKED if they could be merged. They said " Absolutely. '' What the employees actually did was just go ahead and delete the quickpay account so I could start a new one with the same email. Over a year of banking records tied to that account and they just deleted it WITHOUT SO MUCH AS A WORD. This is technically mega-fail number one. Within days, I cashed a check into this account from another established Chase account ( every single account in this story belongs to Chase, which makes it more ridiculous ). Even though it was from another Chase account, the check did not cash quickly. Four or five days later, I signed into the account and the check showed cashed. I repeat, IT SHOWED CASHED AND SHOWED THE BALANCE IN MY ACCOUNT. Last night I tried to sign into my account and check my balance, and found my entire account blank online. I called up, and was told my account had literally been deleted, and could not be told why. So I went into the bank today in person to find out What on Earth is going on. I was told the check required some kind of manual verification process, and that they mailed me a letter about it? I was told, even though the check ALREADY SHOWED CASHED, that it was somehow flagged for fraud/manual approval and did not get that approval ; so they closed the entire bank account. Best of all, when I went into the bank today to then collect my money from my closed account, I was informed a check had been mailed ( to somewhere I no longer live, and have been telling Chase from the beginning that I do n't live there ), and that was it. I was told they could not cancel the check and issue me the money they disappeared on the spot ( which is probably incorrect, someone probably refused to do it that way because 'Policy and Procedure ' ). Why they even mailed out a check in the first place is weird considering THEY CLAIMED THEY COULD N'T VERIFY IT. So in summary : Chase could n't verify a cashed check from Chase account to Chase account, in over 10 days ... Chase actually showed the balance in the account, despite the fact they claim the check did not pass manual verification? Closed the entire account? FOR WHAT? Claim the check was not verifiable, but mailed out the money anyway? Failed to correct this comedy of incompetence when it was brought to their attention in person at a Chase location. Cashed checks go on and off like light switches with Chase? Sometimes they are approved, and then WHAM, all of a sudden they are not again? NEVER ONCE CALLED, EMAILED, OR ESPECIALLY PUT A NOTICE IN THAT 'IMPORTANT BANKING ALERTS ' SECTION IN YOUR ONLINE ACCOUNT. All of this other stuff might have been understandable, or acceptable, IF THERE HAD BEEN A HALFWAY DECENT COMMUNICATION ATTEMPT, WHICH THERE WAS NOT, BEFORE CLOSING THE ACCOUNT. These are XXXX Chase fails on communication, dis | ||||||
| 03/26/2016 | Yes |
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| I XXXX XXXX XXXX, property owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, have been under EXTREME DURESS, an UNSURMAUNTABLE of Legal Abuse for almost EIGHT YEARS NOW, since XXXX when I started my first application for a Loan Modification with JP Morgan Chase Bank. The full cost can not be measured in dollars alone, this ENGINEERED Fraudulent & Criminal behavior of the convoluted chain of identities of JPMorgan Chase Bank N.A., JPMorgan Chase Bank National Association, J.P. Morgan Chase XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, have a HUGE impact on my Financial, Physical as well as Mental Health! My complaints are : Intentional Misrepresentation & False Claims Act ; Violations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; Daily XXXX & Abuse - calls from XXXX to XXXX to my home phone & CEL ( Class Action - XXXX. JPMORGAN CHASE, XXXX XXXX Case No. XXXX XXXX XXXX XXXX ) ; Breach of Covenant of Good Faith and Fair Dealings, Slander of Title ; Defamation, Anticipatory Breach of Contract ( Repudiation ) ; Intentional Misrepresentation in Violation of Title XXXX XXXX XXXX : Title XXXX XXXX XXXX : XXXX USCS XXXX & XXXX : FRCP XXXX ; Title XXXX XXXX XXXX ; Predatory Lending/Violations of Truth in Lending Act, ( TILA ) ; Unjust Enrichment ; Anticipatory Breach of Contract, ( Repudiation ) ; To void or Cancel Assignment of Deed of Trust ; False Light ; home loans Modifications ; hidden loan terms ; failure to disclose fee ; unlawful fees ; servicing of home loans ; bait and switch ; Request for Declaratory Relief Under XXXX XXXX and XXXX - I have received XXXX UNSTUSTAINABLE Moficification where my payments wher equal to my gross income & not the 31 % ratio. MY CHAIN OF FRAUD of the Deed of Trust was carried out Electronically across XXXX STATES : XXXX obscuring identities, with false officers who under PENALTY OF PERJURY signed as VP of Chase and rubber stamped notaries, etc. The bank told me to DEFAULT TO QUAILFIY mediation but failed to disclose I would be put INTO FORECLOSURE! That on the XXXX day : Chase would file an insurance claim and POCKET THE money and, that Chase would transfer the servicing to an obscure OUT OF STATE servicer with no physical address in my County.I have now been charged for XXXX Mediations when I should have ONLY BEEN CHARGED FOR XXXX due to the servicer continuous Bad Faith Performance in Violations of Foreclosure Fairness Act, & of RESPA at XXXX mediation they were MISSING MY FULL FILE. I have sent XXXX I sent XXXX certified letters to XXXX XXXX, XXXX of XXXX XXXX Chase Bank, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX A XXXX page QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST, XXXX U.S.C. Section XXXX XXXX XXXX XXXX of the United States XXXX as well as a request under the Truth In Lending Act XXXX XXXX. section XXXX with DISMISSIVE RESPONSES : responses from " It is unclear as to how this request relates to a purported error on your loan ; as such, the information will not be provided '' & " The information sought in this request is proprietary information and will not be provided. Please note the origination documents are held at an off-site location with the respective custodian of records. '' I was promised a Permanent modification and after I made my full payments, on XXXX XXXX, XXXX I received a letter of DENIAL stating : " Based on a careful review of the information you provided to us, unfortunately you are not eligible for an alternative to foreclosure ... although you may have a hardship ... It is important that you make YOUR FULL MORTGAGE payment & late charges IMMEDIATELY. '' " EIGHT YEAR -STALLING PRACTICES WERE ENGINEERED Not to MODIFY but with the FULL INTENTION TO HARM!! I want a RESOLUTION & FAIR RESTITUTION to my " XXXX Dream '' turned into " My American Nightmare. '' at least A FREE & CLEAR Title to my property! | ||||||
| 09/29/2015 | Yes |
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Web | Older American |
| This complaint is in regard to a Home Equity Line of Credit XXXX " HELOC '' ) and is supported by a sworn affidavit based on firsthand personal knowledge. XXXX has written several inquiries in the form of Qualified Written Requests ( " QWRs ) to Chase ( JPMCB ) in an effort to ascertain information about the subject HELOC without success ( Attachment A ). Letters sent to Chase asking pertinent details were not answered in full as required by RESPA 12 USC 2605 -e. Evidence found in the public record and copies of certain documents received from Chase ( JPMCB ) in response to requests reveal that fraudulent activity has taken place throughout the transaction, from the beginning, and that fraudulent activity continues to the present day. In violation of RESPA, Chase failed to respond to QWR inquiries into the relevance and significance of XXXX different account numbers associated with the Home Equity Line of Credit ; Chase failed to respond to QWR inquiries into 'Accounting and servicing systems ' stating, " This information is proprietary and will not be provided. " ; Chase failed to fully respond to QWR inquiries into 'Debits and credits ' stating, " Some of this information is either proprietary or unavailable, and will not be provided. " ; Chase failed to fully respond to QWR 'Servicing-related questions ', stating, in part, " Any assignment of the Security Instrument, previous sellers, purchasers, assignors, and assignees would be a matter of public record. Please review public record for this information. " ; and, " Some of the information requested under this section is either proprietary or unavailable, and will not be provided. " ; Chase failed to respond simple " yes '' or " no '' questions in QWR dated XXXX XXXX, 2015. There is evidence that the original Loan Application contained figures falsified by Chase - not by the Applicants - representing amounts which greatly overstated Applicant ( XXXX XXXX true monthly income under each of the XXXX the sections captioned " Gross Income '' for the Applicant ( XXXX ). We allege that the original application was altered by parties employed or authorized by Chase without Applicants ' knowledge or permission in order to monetize and/or securitize the line of credit. It is our position that the alterations were made with the intent of increasing the value of the application and/or related documents to Chase for use in subsequent JPMCB deals, transactions, sales, conversions, contracts, and other schemes to benefit JPMCB. In addition, unbeknownst to Applicant XXXX XXXX ), JPMCB converted or otherwise misused Applicant XXXX XXXX XXXX personal information and data on the application, along with the other documents/and credit agreements Applicants were induced to sign, to create other type XXXX XXXX ) of financial instrument ( XXXX ) and/or securities. Applicants did not sign a Note. It is our position that JPMCB ( Chase XXXX, in fraudulently creating said Note ( XXXX XXXX, engaged in Identity Theft of XXXX 's personal identifying information in violation of the Identity Theft and Assumption Deterrence Act of 1998 XXXX " the Act '' ), XXXX XXXX XXXX, making it a felony to knowingly transfer without lawful authority a means of identification of another person with the intent to commit ... or aid and abet any unlawful activity. Further, Affiant alleges that Chase is pursuing a foreclosure action in the XXXXe Court XXXX New York XXXX XXXX of XXXX, which is unwarranted and that Chase has come to the court with unclean hands : The mortgage transaction is void. ( It is legal maxim that fraud vitiates all contracts. ) A valid note does not exist. A default of the subject HELOC has not been proved - due to improper, undisclosed, incomplete and inaccurate accounting. The law firm of XXXX, XXXX and XXXX XXXX has committed fraud upon the court by submitting false documents. | ||||||
| 06/03/2015 | Yes |
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| I have a mortgage that I took out in XXXX to save my brothers ranch that he has lived in now for over XXXX yrs. The XXXX loan was taken over by EMC Mortgage. In XXXX I put my loans in a trust. Around XXXX my XXXX crashed and I reached out to EMC to get a loan modification. For around XXXX years I submitted over XXXX loan mod packages and they would always say they just needed XXXX more thing then XXXX more thing then after three months I needed to resend everything in again and this went on for over three years. If this was just any other property I would have not cared but my whole family has been so afraid of what my older brother would do if he lost this place. It 's only a small XXXX acres, the house is in dyer need of repairs but he has put XXXX of his life in this place and raised his XXXX girls here. When the rates were at 2 % and I know a lot of people that got those rates and I myself helped XXXX of my past clients get a loan mode at those low rates but EMC just kept stringing me out then right when EMC said I was close within a week of getting the loan mod, Chase bought the loan. Now XXXX is who the loan is with but Chase is now the servicer. So, feeling extremely frustrated, I start the whole process over again and also again, I submitted over XXXX plus loan mods with them and they did the exact same things always asking for more paperwork then saying they were missing certain docs but telling me on the phone that they got everything XXXX I faxed it in. I always got them what they wanted within a XXXX or XXXX, longest a week so was and still am extremely pro active with anything they needed. I would call each time I submitted more docs to confirm receipt and I always took notes on who I spoke with and time and they would confirm but then a week later ask for the same things or all of a sudden ask for something different that was never required before. I would also get reassigned someone new every month or so which also was extremely frustrating and then they had no idea what was going on or where the last person left off so that new person took forever to get back up to speed and had to start all over again. So, during this time Chase referred me to an outside source in XXXX which asked me for {$6000.00} to complete the loan mod and I have the guys number as well as the paperwork that would assure my loan mod and thankfully I never gave them any money like a friend of mine did which turned out not to be legit but I had Chase paperwork that approved the paper I filled out with a rate and payment. So after XXXX of hours the last person I was working with at Chase said that they had an approved loan mod and that they would be getting me the paperwork out later that day or the next day. After calling that person the next day XXXX or XXXX times with no answer I finally found out through another call that Chase had sold it to XXXX. So now here I go all over again and I have heard and read horror stories about them including a friend. So needless to say I have went through the same thing with them. Promises that there is no sale date and that there would not be a sale date since we are working on a loan mod and again would get them needed paperwork within a XXXX depending on what all they needed which again once getting all of the paperwork, they would go for weeks with no answer then after a month or XXXX would ask for more paperwork then would need everything all over again. So about XXXX days ago I get paperwork that there is a judgment and a sheriffs sale date XXXX XXXX and it 's not by XXXX but with Chase who does not even have the note. I immediately called XXXX and they had no record of such a sale but when I called them again today, by some miracle they just saw it today but they could not tell me why Chase had it because again, I am in the process of a loan mod and legally they are not suppose to. | ||||||
| 02/07/2017 | Yes |
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| Received a Chase Quick pay for move in payment from a new tenant on XX/XX/2017. Payment came from the new tenant 's business account which was on her rental application and confirmed by the pay stubs she had given me. It also had the email address on it that we had been communicating with. It was directly deposited into my account by Chase, I did not have to accept the payment. On XX/XX/XXXX I tried to log into my Chase Account which stated the following " Because of recent activity on your account, we 've suspended your chase.com access for your protection. Please call us. '' I called Chase who informed me that the Chase Quick Pay was being disputed for fraud. Chase had frozen the account which the QP went into which exceed the amount of the QP and they suspended my online access to XXXX other accounts. This included my checking account which I use all the time and XXXX other savings accounts I have with them. I explained to them on the phone this was move in money received from a new tenant who I had given the keys to my rental unit on XX/XX/XXXX. They told me they would need to investigate it and the investigation would be completed by XX/XX/XXXX. I contacted my local branch to ask for assistance. I also contacted my local sheriff 's department for assistance. What was uncovered was the tenant had stolen her boss 's computer after she was fired and had assumed her identity. On XX/XX/XXXX she was arrested and put in jail. In the rental unit was found forged drivers license, credit cards, forged checks, the stolen lap top computer etc ... enough to charged with XXXX counts including embezzlement, fraud by false pretenses, identity theft etc ... I went back to Chase again to speak with my local branch, with the police report confirming what had happen.The local banker called and we then spoke with Chase 's Online Fraud Department to inform them of the update. I asked them to return the money 's from the QP as I knew it was fraudulent. I explained to them the series of event. They told me they could not return the money or unlock my online access until they finished their own investigation as this was protocol. They refused to accept the police report for the investigation. What they want is for the actually owner of the account ( XXXX, the ex boss ), to write a letter and then notarize it saying the QP was valid. Which it is not as her ex employee got into her online account and initiated the QP. My local banker then spoke with XXXX, who I now have her contact phone number and then her personal business banker at Chase to try to clear this up with my accounts. Chase has refused to help me until they complete their own investigation, which as was stated previous will not be until XX/XX/XXXX, XXXX weeks after the incident. I was a victim of fraud by someone who had assumed another identity and now I am a victim by my own bank who I had trusted. I never knew that QP were not the safest way to receive money. Chase has been very unprofessional and uncaring, not even informing me of locking my online access, I would not have know if I had not logged into my online access. I have been a long time customer of Chase, almost 10 years with multiple accounts with them including my business accounts. I have no history of problems with my accounts. I have a personal relationship with my local branch employees who spoke with their corporate offices numerous time and vouched for me. I have a personal business banker who is there to assist me with my business accounts who spoke with corporate and explained my relationship with Chase. The amount in my personal accounts exceeds the amount of the QP by over 30 times. I do all my banking online and I have been left scrambling trying to make sure my bills are paid without being able to log into my online accounts. Victimized by my own bank under the false pretense of protecting me. | ||||||
| 08/05/2016 | Yes |
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| On XXXX XXXX, 2017 we deposited {$35000.00} into our Chase business checking account consisting of approximately XXXX checks from customers for their security system. This large deposit from a fixed group of customers is made every month on the XXXX. Minutes after the deposit was made, Chase closed our account, giving no reason. After all of the deposits had been processed and some of the items were returned NSF there was a balance of approximately {$40000.00} in our account. On XXXX XXXX, XXXX, manager of the XXXX XXXX Chase branch told me that we would receive the funds in our account in the form of a cashiers check on XXXX XXXX. On XXXX XXXX we were no longer able to access our account information online, shutting us off from bank statements and any information about our balances. On XXXX XXXX, we received a check for {$6300.00}. We called Chase and spoke ON A RECORDED LINE ( as all of the subsequent calls were ) with XXXX who verified that Chase was still holding over {$33000.00} of our funds. He told me that he would call me back within one hour and let me know the status of our money being returned. He never called back. Later that day, I spoke with another representative who stated that Chase would not return our money until they had called all of our customers and verified the issuance of the check with them. I then spoke with a supervisor named XXXX in Texas. I asked her how Chase would be able to reach all of our customers because they are almost all businesses and Chase had no phone number for them. XXXX informed me that Chase would research all of them through databases and call them. I asked her what would happen if they did not get someone on the phone. She stated that after 60 days Chase would probably keep all of the money even if they had reached SOME of the customers. When I questioned the legality and ethics of that she told me that if I complained to anyone that her department would retaliate by ceasing work on the project altogether and I would be referred to " corporate ''. I asked her if she could tell me who they were needing to call so I could provide phone numbers and contact info. She promised me she would investigate and call me back around noon XXXX XXXX. I never heard from her again. On XXXX XXXX I followed up and was told that Chase had no idea who had been called and if I had helpful info I could bring it to a branch and have it scanned into their XXXX system. On XXXX XXXX we took XXXX documents consisting of original signed check authorizations of all transactions with contact info to a Chase branch and they were scanned into XXXX. On XXXX XXXX, I called and spoke with XXXX who said he could not discuss returning our money for 90 days. I spoke with XXXX, his supervisor, who placed me on hold for nearly an hour then told me that he had reviewed everything and that because of the thoroughness of the documentation that he was authorizing us to be paid our {$33000.00} and that a check would be sent to us on XXXX XXXX. On XXXX XXXX I received a call from XXXX who told me that our funds would not be released but would be held for 90 days from the last deposit ( XXXX XXXX ). The funds would not be sent to us but we would have to call and verbally request them at which time a research process that could take several days would be launched. I told XXXX and her supervisor XXXX that I wanted some written assurance that we would receive our funds in XXXX, given the threats, contradictory stories and misrepresentations we had received on the Chase recorded lines. I was told that Chase had no way to generate anything in writing and that there was no one I could speak with if I ran into any difficulties. I asked if I could have copies of my bank statements since my online account had been deleted. I was told that the only way to get statements was to go to a branch and negotiate with them. | ||||||
| 08/15/2022 | Yes |
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| Hi there, I am writing to you as I am truly desperate. I have been trying to solve this problem with Chase now for almost 3 months, but I don't feel they take the matter seriously. I made an international wire transfer of XXXX on XX/XX/2022, online, with my business account and sent the money to a business partner in XXXX, who helped me with different projects while starting my business. On XX/XX/XXXX, the transaction was marked as " processed '' in my business account. 2 weeks later the gut I sent the money to asked me about the money that has never reach his account. So I started investigating. I called the Chase customer service who assured me that no money can be lost. As told, I sent an inquiry by their secured message center. I received a standardized response telling me that someone would reach out within 2-3 business days. No one did. I sent a couple more messages. Nothing happened. About two weeks later I sent an email to the lady at the branch who set up my account asking if she could help me. She sent a couple of emails, nothing happened. So at some point she transferred the case to the Chase escalation team. A couple of days later, they called me. I was handed over from person to the other, just to be told I would need to speak to someone at the branch, as they could only work on cases related to fraud. So I made an appointment with the VP of my local branch - and I must say I was truly shocked by the way I was treated. The VP basically told me that he has cases like this that have been going on for months and there's basically not much the bank can do. I asked him what happens if they can't track the money and he told me there was nothing they could do. They would try but no guarantee I would get back the XXXX ( XXXX $ - the exchange rate they gave me!!! ) even though they obviously took quite a lot of money for this international wire transfer. They also tried to blame me for the loss of the money as I haven't written down the first name of the recipient, even though it's pretty clear that there is no way money can get lost if you put down the correct 12-digit IBAN, which I did. Then he tried to blame the recipient bank - I called them, they aid only the bank that sent the money can track it. It's one of the biggest banks in XXXX, no way they would lie to me if they had received the money. Next, I sent an mail to the branch manager and told him I would get a lawyer if they don't do anything, as I am truly desperate. I just founded my TV production company, it's still early days and people not receiving their fees and salaries is really super damaging for me. Also I don't make huge amounts of money right now. As a consequence, he aid he has to transfer me to the escalation team now as he can't do anything for me as I mentioned getting a lawyer in my email. The escalation team closed my case and opened a new one. Apparently because they investigated a fraud before instead of money just simply being lost. So everything starts all over again. Today I received a cal by the escalation team telling me it will take up to 90 days ( AGAIN!! ) to hear back from the department that investigates cases like mine. So in case they state this hasn't been going on for a while. Not true! They just closed my case and opened a new one. I am really desperate by this point. The whole matter has started to affect my health. I feel sick and I am super worried all the time. I feel I can not really breath until this is finally solved and the fact that no one at Chase seems to care is a really horrific experience. I am truly thankful that there's an organization like yours and I really hope you guys can help. Let me know what kind of documents you need. If you need screenshots of emails and messages. I don't know if that helps though as they have basically rarely reacted to anything. My warmest regards, XXXX | ||||||
| 04/15/2019 | Yes |
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| I purchased tickets ( using my XXXX XXXX XXXX Chase Credit Card ) for my family of four and my two parents to go overseas from the US to XXXX for the first time last fall. I purchased through a discount airline ( XXXX ), as it would not have been financially possible with another carrier. Our tickets were round trip, not purchased as individual one way fares. Four tickets were purchased for my family on XX/XX/XXXX ( and my parents tickets were purchased XX/XX/XXXX. All six of us flew from the US XX/XX/XXXX. My family of four were set to return XX/XX/XXXX, with my parents set to return XX/XX/XXXX. As XXXX Airlines began experiencing financial difficulties, they started changing and cancelling flights. My return was cancelled because my flight from XXXX to XXXX wasnt being flown. I was told by XXXX if I could get to XXXX on another airline, I could catch a flight from XXXX back to the US with XXXX. Needing to get back to work as a teacher, I booked 4 flights from XXXX to XXXX at my own expense. Two days later XXXX failed altogether. My new tickets to XXXX were now worthless as XXXX could no longer able to get me back to the US and no other carriers had flights to my destination. Because of this, I was forced to buy new tickets from XXXX to the US on United Airlines for all 6 passengers. Obviously, this caused some serious stress throughout our trip and also some serious financial strain that was unexpected. The return flight I purchased were as much as the round trip tickets I had originally purchased on WOW, so my airfare essentially doubled. Upon contacting Chase when I got home, I was told that I would only partially be refunded because I was provided partial service. The customer service representative and supervisor ( both of which were friendly ) equated it to buying a pair of pants and a shirt. If the pants were not acceptable, I still have to pay for the shirt. My contention is a little different. I purchased 6 round trip tickets, all part of the same trip. The service I purchased was to get me to my destination AND get me back to my origin all as one transaction. I was not left in a better position by being flown across the world and left with not so much as an email from XXXX that they were closing. I incurred additional flight, lodging, food, etc. My questions for the representatives were simple, but with no adequate responses. 1. If I buy a flight with a connection, if I am flown to the connecting city, but not flown to my destination, is this considered a service? Should I have to pay for part of a flight? 2. If I pay someone to put on a new roof, and they tear it off, but dont put new shingles back on, do I have to pay for partial service? In both of these cases, just like my case, we were not left in a better position. We were most definitely left in a much worse position. If XXXX was still in business, I would be asking them for a complete refund, and if that did not work, I would be suing them for damages. According to XXXX XXXX XXXX, which would have applied if they were still in business, I would have been entitled to XXXX Euros per flight for the original cancellation of my return as well as the cancellation of the rescheduled flight. They would also be liable for lodging, new flights booked, food etc. In total, this would add up to literally $ XXXX. Yet, I am being told by Chase, that XXXX in some way provided me something for which I should be grateful enough to pay {$1500.00} of the original {$3000.00}. In actuality, it seems much more likely that Chase is not willing to take on this liability since XXXX is not here anymore to refund me the money. However, this is why I use my credit card to make these purchases consumer protection. I have worked through multiple levels of employees, but non have been empowered to make an actual decision beyond " sorry, company policy. '' | ||||||
| 09/11/2015 | Yes |
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| The wire-transfer to Chase contemplated a credit by Chase to a specific type deposit account for a specified amount of time, which was stated in the form of written payment instructions. The instructions stated, : " This is a transfer to a secure time-deposit account for a minimum of 90-days. A notice will be sent to withdraw or extend for and additional 90-days ''. There are several different types of deposits and deposit accounts at Chase. One type deposit is a demand-deposit, which is a bank deposit the depositor may withdraw at any time without prior notice to the bank. This type deposit is made to a checking account, which is a demand-deposit account. The other type-deposit is a time deposit, which is a bank deposit that is to remain with the bank for a specified period or on which notice must be given to the bank before withdrawal and is in total contrast to a demand-deposit or a demand-deposit account like my checking account at Chase. So, there 's at least XXXX totally different types of deposits and different types of deposit accounts at Chase, and Chase definitely knows all of these facts. The written payment instructions instructed Chase to credit the funds specifically to a time-deposit account for a minimum 90-day period. The special written payment instructions provided Chase with legal notice, legal notification and thus, definite legal cognizance of the fact that the funds were to be credited by Chase specifically and only to a time-deposit account for a specified period of 90-days, and of the fact the funds were sent to specifically make a time-deposit. Chase received notice in writing of the specific type-deposit and type-deposit account to which Chase was to credit the funds. Chase failed to exercise good faith or ordinary care concerning its crediting of the funds. Chase definitely made a mistake when it credited the funds to the wrong type-deposit account and the wrong type deposit account beneficiary, in contravention of the written payment instructions on the payment order it received. As I see it, the funds were sent to a nonexistent and unidentifiable account and beneficiary. Chase 's mistakes are the sole cause of the end result of the funds credited to my checking account at Chase. It is impossible for this to happen without Chase 's mistakes. I think that I should be able to justifiably expect Chase and every bank to have commercially reasonable internal procedures designed to process a written transfer request in strict accordance with the depositor 's written instructions, to verify the accuracy of, and compliance with, written instructions, to detect and minimize inaccuracy, and to act diligently to remedy mistakes. My desired resolution to this matter is for Chase to admit the fact, in writing to me on it 's letterhead from one of its ' officers, that Chase made a mistake in its ' crediting of the funds to the wrong type-deposit account when chase credited the funds to my checking account and not to a Chase time-deposit account as instructed. I believed Chase owed a duty of care in its handling the payment order and it 's crediting of the funds to the proper type deposit account. Chase made mistakes in this transaction and I want Chase to say it in writing to me. I want Chase to apologize to me in it 's letter for it 's mistakes. Chase, also should say that but for it 's mistakes, the funds would not have ended up in my checking account. Lastly, the relationship between Chase and me, whether derived from common-law principles or premises upon Article XXXX or Article XXXX to the XXXX XXXX XXXX, is in the nature of an implied contract. As a result of the contract, Chase owed a duty to exercise good faith and ordinary care concerning the crediting of the funds to the proper type-deposit account, If it could not, then it should not have accepted the payment order and the funds. | ||||||
| 06/28/2018 | Yes |
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Web | Older American |
| At the beginning of XX/XX/XXXX I requested from my local Chase bank ( XXXX XXXX XXXX, XXXX, NY ) an early renewal of my Chase Debit Card. I explicitly expressed the need to receive this card by my XX/XX/XXXX departure for XXXX, my regular residence between the end of XXXX to the beginning of XXXX and the end of XXXX to the beginning of XXXX each year. The attached complaint is being filed as a result of what has occurred over the past month as well as its possible consequence. What has occurred : Countless orders were placed for a renewal of my card by my branch manager XXXX XXXX. Forty-eight hours following each promised renewal, I requested from a Chases phone representative a XXXX tracking number. Each time I was told emphatically that no number was available, but guaranteed that the card went out. According to XXXX this could not be the case. Each time an order is picked up, a tracking number is automatically generated, a number Chase refused to give to me. I assert that the cards in fact were never mailed. After non receipt of innumerable promised cards, each follow up phone call to a Chase phone representation led to different excuses, while most contradicted one another : The card was sent, The card cant be sent, we cant give you a tracking number, youll get your tracking number tomorrow we promise delivery by Monday, we cant deliver till Wednesday, and so on, week after week. Not once was I provided transparency ; never was I treated as a valued client deserving of honesty and courtesy, and in most cases denied access to a supervisor. Each attempt made to secure my card by XXXX XXXX and Assistant VP Private Client Banker, and XXXX XXXX of Chases branch at XXXX XXXX XXXX, XXXX failed. Chase representatives were, one after the other, deceptive and blatantly hostile toward finding a solution. XXXX XXXX, discovered, after the mysterious sixth non-delivered debit card, that a warning was placed on my account due to the U.S. Postal System not forwarding to me in XXXX large mailings. Chase placed a mail waring on my account, never to inform me or to be discovered by Chase online banking staff, though clearly visible on their computer records. Possible Consequences : Im disappointed because without my debit card I cant have access to my personal funds from either my savings or checking accounts. Id be totally stranded for three months in XXXX without living expenses and prevented from making additional travel plans while abroad. Two days before my departure I feared that trips already planned and paid for would be in jeopardy. Its not a stretch of the imagination to realize the imposition placed on me by being half way around the world and denied access to my funds, except by using my Chase Explorer Credit Card with its outrageous finance charges. As Chases client, my bill of rights guarantees me easy access to my personal funds. Without possession of my much needed debit card, Chases actions deny me this right. In light of this hardship I would like to seek Chases accountability and be provided with a sincere apology and a concise explanation as to the reason for this ongoing struggle. The delivery of a replacement debit card should, according to Chase, takes no more than one week, not a month plus, and shouldnt involve such stress, frustration, and uncertainty as I encountered. The manner in which I was treated was totally unacceptable and beyond all unprofessional. On Monday XX/XX/XXXX I again spoke with my branch and a final request was made for a new debit card. I guaranteed that this would be my last appeal prior to the closing out of my accounts. It would have been too late to finally receive this card to my XXXX home. I was told that a change of address would be made and the card forwarded to my home in XXXX. To my great amazement, the card arrived in this mornings XXXX XXXX delivery. | ||||||
| 03/24/2017 | Yes |
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| My XXXX wife, our XXXX young sons, and myself rented a hotel for the family to spend XX/XX/XXXX together in XXXX. We believe some time during afternoon of XX/XX/XXXX I had either lost my wallet, or stolen as it was in my jacket pocket hanging on the chair in the restaurant where we had dinner. The next morning on XX/XX/XXXX, my wife noticed there were 2 charges on our account 1 for {$1500.00} and another for {$270.00} at a place we had never heard of. Since our family had stayed in the hotel room that night with our young kids and never visited that merchant, my wife and I then checked our wallets for our Chase card and while my wife still had hers I noticed my wallet was gone. We contacted Chase immediately to report the stolen card and the fraud charges, and explained the situation to the claim rep. Chase rep then filed the claim and provided temporary credit to our account for the fraud charges while Chase investigate. 2 weeks later, Chase reverted the temp. credit from our account and sent us an email notifying us the merchant had provided my information to Chase which Chase then denied my claim! I was dumbfounded. We then proceeded to contact Chase fraud dept. again, explaining the situation again and reminded the rep my wallet was stolen and all of my information was in my wallet including my driver 's license, biz card with my email address and phone number, bank and credit cards, and my SS card. I was disappointed Chase would accept such reason from the merchant after we had clearly stated during our first call to Chase that my wallet was stolen along with my ID and other cards with my info. I did not feel Chase had actually tried to protect their customer, taking such unacceptable reason and denied our legitimate claim without even discussing with the customer first. After we had reminded Chase rep our wallet was stolen along with my ID and info, the rep told me they would reopen the claim to further investigate. Feeling insecure of Chase 's efforts, we reached out to the merchant directly asking if they have cameras installed showing customers entering the venue, the manager told me they do have 2-3 cameras at the front including at the cashier. I explained the situation to the merchant and asked if they could send the video of the fraud transaction to either myself or directly to Chase. The manager agreed he would send the video footage to Chase, which I then also notified Chase rep and the rep said they will ask for the surveillance video of the thief 's transaction from merchant. 2 more weeks later, we got another email from Chase denying our claim using the same reason again that the merchant had my address information. Feeling frustrated and scammed at this point, I reached back out to Chase in a very polite manner earlier today to seek clarification. This time, a Chase rep named XXXX was very rude and condescending, talking over me every sentence, and simply just repeated over and over there 's nothing Chase can do since the merchant had my address info even I had explained multiple times my wallet was stolen. I also asked the rep about the surveillance video from the merchant, and she rudely replied the merchant did n't provide and that since they had filed the claim twice already there 's nothing further Chase will do. I tried to explain we had already explained the stolen wallet multiple times and asked why Chase accepted this excuse again by merchant? XXXX at this point just repeated there 's nothing Chase will do and rushing me off the call. I proceeded to ask for her info as I would like to file a complaint, which she only said XXXX and denied to provide her employee ID # or last name and said the complaint line wait is over 2 hours. I then requested to speak with her manager XXXX XXXX, she then put me on hold for 45min and call just disconnected. Chase 's lack of efforts is unacceptable. | ||||||
| 11/30/2016 | Yes |
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| I was at a retail store on Thursday XXXX XXXX, 2016 and used a debit card from my chase checking account in which it was declined after trying to make a purchase. I used another debit card with a second checking account from chase, that too was also decline. Both account had the funds to cover my transactions. I immediately called chase customer support to find out the problem. I was transferred 3 times to different departments, in which the last one was a claim specialist who thought I closed my account. They did further searched and told me to go into a branch ... I went into a branch which was next door from the retail store 15 minutes before chase bank was closing so I did n't get a chance to see a banker but went to the teller and told them my situation, they looked up my account and stated that my account was reopened and I withdrew some funds to go back and pay for my merchandise ; therefore I thought my problem was resolved and that it may have been a glitch or something. The next day which was Friday the XXXX, late night at XXXX is when I tried to used my debit card again for gas purchase and got declined again I was furious at this point. I then call customer support and once again talk to several representatives and could not get an accurate description or what was going on with my account. They told me to go to a branch again. I went the next day Saturday Morning to a branch to get the problem resolved. I was told that my account was restricted and that I could n't withdraw any funds and the banker stated that she did n't know the reason and for me to call customer support. I called them a third time, again talk to several agents, still no accurate description on the reason why and was told that " Chase no longer wants to do business with me and that they had closed my accounts, so then I asked the question, " If my account is closed why ca n't I withdraw my funds. I was told to go into a branch again. Went to a branch a third time and saw a banker who called customer support to find out why my account was restricted. They stated to the banker that I could n't close my account or withdraw funds. I then asked to speak with a higher level authority, that is when I was told that I had fraudulent charges and that it was being investigated and that I have to wait 7-10 business days for them to close my account completely and that they will mail the funds to me. I stated to them that " this was crazy, I have never heard of anything like this '' ..no explanation or accurate description. All they did was read me a disclaimer, which did n't make sense because I wanted to know the reason why I could n't get my funds. So now that is when I mentioned that I had my payroll being deposited on XXXX XXXX that Wednesday so I asked the question " will I get my funds then '' ..They told me to let my employer know that my account is closed so that the direct deposit can be canceled. On Monday XXXX XXXX is when I contacted human resource at my employment to cancel my direct deposit, they stated to me that " it may still be chance it may get deposited because of the time frame and to let chase know so that it can bounce back to my employer. I called Chase to inform them and they said that it will bounce back because of my account being closed. XXXX XXXX came, no deposit showed, I called Chase, they stated that it was n't deposited. Called my human resource, they told me it was and if my account is closed, it should bounce back. So during this time I 'm upset because of the unprofessionalism and unethical practices in getting my problem resolved. it took a XXXX trip to chase branch to speak with a manager to let them know I am a single mom, XXXX it 's coming and I have XXXX kids to feed, and that I need my funds. Got approval to withdraw so much and the rest will be mailed. This has really inconvenienced me in many ways. | ||||||
| 10/17/2016 | Yes |
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Web | Older American |
| The following is my response to the JP Morgan Chase continued regurgitation of " facts '' that have no merit. I thank Senator XXXX of Connecticut for his attention to this ongoing problem with this institution. " Office of US Senator XXXX XXXX Re : Fraud Alert on Chase Mortgage Modification # XXXX Dear Senator XXXX : We thank you for your actions, continued interest on the above fraud alert and as promised will provide XXXX with an update, per our conversation this morning. Firstly, JP Morgan Chase ( " Chase '' ) response via the Consumer Financial Protection Bureau, to our fraudulent charges was received on or about XXXX XXXX, XXXX : dated XX/XX/XXXX. At best, Chase 's response was totally unsatisfactory, after more than a year of delays. Chase merely regurgitated their previous claims and left many unanswered questions. Furthermore, Chase has knowingly and intentionally showed bad faith in our discourse and need to come clean on the following unsatisfactorily-unanswered questions : 1. Chase claimed in their XXXX XXXX, XXXX correspondence that they performed XXXX home inspections during our mortgage modification process. Utterly false! 2. Chase does not have proper systems in place to handle customers ' most valuable assets - their mortgage. During the mortgage modification process, I spoke with XXXX Chase Representatives and can document this. As a direct result there was absolute chaos and confusion. For example, I spoke with and there is faxed transmission on or about XXXX XXXX, XXXX, to XXXX XXXX, Chase Representative, about the confusion and payments for the verbal trial mortgage. He confirmed that there was no packet, no information on record sent on our verbal trial plan. Furthermore, he said there was no notification of any foreclosure on my account, and if there was any, he would advise that the modification be submitted again. Of course, Chase 's version is very different with claims of breach letters that we herewith request. My question is : if Chase can not be trusted on something as simple as their phantom claims of home inspections, why should we believe them in a Byzantine process where it took 2 years & XXXX of their representatives for just a mortgage modification? 3. Furthermore, why did Chase employ a verbal mortgage system for the most precious transaction for customers? Could this be subject to confusion, misrepresentation, fraud and customer abuse? Is this verbal system still used by Chase and if not why and when was it discontinued? 4. Example # 2, on the chaos and confusion of the verbal plan. Chase 's own senior representative, their VP, Assistant General Counsel, sent documentation to me on or about XXXX XXXX, to prove Chase 's case on their " mistake-proof-verbal mortgage. The documents only further embarrassed Chase in that their so call " approved '' plan would put us in default, even before we would reasonably receive proper documentation to start the plan. 5.Chase 's settlement offer, shortly thereafter of {$15000.00} to resolve our case was an insult amount considering our loss through Chase 's incompetence, confusion, fraud and unconscionable charges to complete our modification. As a direct result, we promptly turned down Chase 's offer. 6. We have heard repeatedly from reliable sources that Chase designed a verbal mortgage program to confuse customers & trigger foreclosures. The process was fraught with difficulty and onerous paperwork : multiple reps to virtually prevent paperwork to be completed " in good order. '' Most disturbing, we heard from insiders that Chase incentivized its staff to trigger foreclosures in the process because this was more profitable to the bank. The idea of incentivizing your own staff to defraud customers is vicious, illegal and intolerable at best. We stand by this statement that Chase paid commission to staff for each home foreclosure | ||||||
| 03/03/2016 | Yes |
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| Long story short. I had a Chase credit card for several years. I ran into serious financial trouble ( including foreclosure and severe HOA fee judgement ) and was unable to pay. Chase did not accept any of my attempts at settlement or reduction, and I had no money to keep paying. From XXXX, I was unable to make payments. Chase initially " charged off '' my account but kept it active. I understand this. However, unexpectedly, I received a letter from Chase and an official XXXX " Cancellation of Debt '' form stating that on XXXX XXXX, XXXX, Chase cancelled my debt, and reported it legally and officially to the IRS with a notification to me. I found this out XXXX of THIS year, XXXX. After consulting with legal and tax help, I was informed Chase had *officially* cancelled AND discharged my debt. I was then responsible to file it on this year 's taxes as INCOME and be forced to pay taxes and deal with the amount of money they forgave. I did so, and included the cancelled debt on the XXXX as income and dealt with it appropriately. The documentation specifically, legally says that Chase Bank NA has ( quote ) " CANCELLED '' and " DISCHARGED '' the entire outstanding debt that I was unable to keep paying, of {$9500.00}. This amount listed on the XXXX is the principal, because that form does not include interest. The total amount of debt including the interest was {$10000.00}. In XXXX, after learning this, I have been attempting to clean up my credit, pay off outstanding balances, and try to change my life for the better. My credit is poor, and I understand this. However, I found that when I applied for a small loan, I was denied largely because my credit union informed me that a huge outstanding balance of {$10000.00} was on my credit reports. Not only that, it was listed as an ACTIVE balance and was being updated monthly as PAST DUE. I got a copy of my report, and since XXXX XXXX when they cancelled the debt and reported it legally as such, they STILL report it EVERY MONTH to all XXXX credit reporting agencies as active, unpaid debt with a past-due balance. I was enraged! Over the past 3 weeks, I have contacted all XXXX credit reporting agencies and filed a dispute, and included all documentation. I understand the nuances and technical terms here -- -my account was charged off, but this is different, the debt is not CANCELLED. It reports as charged off, past due. They can not cancel a debt, report it to the IRS, tell me it 's cancelled in writing, make me pay taxes on it AS INCOME..and then say it is still an unpaid debt that is PAST DUE! All XXXX credit agencies agreed with my documentation, and changed the status to a XXXX balance and NOT past due. The prior negative credit reporting prior to XXXX XXXX, XXXX still stands, and this is fine and understandable. But the balance is XXXX, and historical record of past due payments on my reports stopped in XXXX. Fast forward to present. Just 2 days after my reports were corrected, Chase AGAIN filed a new update stating I have an unpaid, late, past-due balance of {$10000.00}. I called Chase to complain, and 2 supervisors told me point blank that Chase will continue to report it, every month, to all XXXX credit agencies FOREVER until I pay it all off. They sent me a document dated XXXX/XXXX/XXXX stating this as well. I was furious. I called all XXXX credit bureaus, and they said they can not stop Chase from doing it, I would need to file a new dispute EVERY MONTH. Or, contact the CFPB, FTC, or attorney general. So, Chase completely cancelled and discharged my debt, reported it to the IRS, yet still ruins my credit EVERY MONTH. This is NOT the negative reporting " 7 years '' until it falls off, this is NEW month to month fraudulent reporting because they can, and wo n't change. It is killing my credit. I am furious with them. I am out of characters to explain. PLEASE HELP. | ||||||
| 06/15/2015 | Yes |
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| On XX/XX/2015, I lost my job due to indefinitely due to budgetary cuts throughout the company I worked for. When this happened, I contacted JP Morgan Chase, whom which services my mortgage loan. I contacted JP Morgan Chase to educate them of my current job situation and access their mortgage assistance programs. I was sent a packet to fill out and return with all documentation and proofs that was provided with the packet and that my customer assistance specialist had told me to fax in. I did so right away as requested. After about 5 business days went by, I then received another packet pertaining to the assistance I requested stating that all proofs hadn't been sent in, including forms I had most definitely already sent in. I then faxed in the additional documents and proofs as the packet said was "incomplete" and my customer assistance specialist also verified the application was incomplete due to the missing documents. Another 3 business days went by and I recieved the same packet with the same exact issues with my application, including missing proofs and that the packet was "incomplete". I then called JP Morgan Chase and spoke with my customer assistance specialist and she verified that all proofs and documents needed have indeed been received and that she would forward my application to underwriting. A week went by and by this time it was XX/XX/XXXX and I received the same packet listed as "incomplete" XXXX again. I then called chase again and was unable to reach my customer assistance specialist whom had access to everything in my file so I left her a voice-mail informing her of the issues and her voice message said she would contact me within 24 hours. I then elected to speak with another representative, and that representative informed me that I needed to send additional documents in with information pertaining to the month of XX/XX/XXXX since it is now XX/XX/XXXX. So I retrieved the proofs and documents and faxed them into chase as requested. I never heard back from my customer assistance specialist. A week later I received the same packet listing "incomplete". XXXX again. I called JP Morgan Chase and tried to reach my specialist and she was XXXX again unavailable, so I spoke to another Representative and that specialist told me I had turned in all required documents to send my application over to under writing and that the packet I received in the mail stating it was "Incomplete" was automatic during this process and she told me to get a hold of my specialist. This exact situation with the packet coming in the mail about ever week stating the application was "incomplete" and my customer assistance specialist : XXXX not getting in contact with me, all this preceded the exact same way for about 3 months longer. At this time it was XX/XX/2015 and I haven't got an answer from JP Morgan Chase. In XX/XX/2015, I received a notice of default and was informed that my loan had been handed over to XXXX Law and foreclosure sale date was given. I did my research and found out that it is illegal for JP Mortage Chase or any other Mortgage entity to foreclose on my house while in process of my assistance application being reviewed. I contacted JP Mortgage Chase outraged and still couldn't reach my customer assistance specialist. I sent a complaint to the executive offices and again, never got answers. As my foreclosure sale date was approaching, I was experiencing a lot of distress during these unfortunate times. I received a notice in the mail from home advisers Legal guaranteeing a loan modification for $XXXX. I therefore retained legal counsel, and found out I was scammed. My mailing address is my former attorneys address and I haven't recieved any documents for Chase since XX/XX/XXXX. I now have a foreclosure sale date XX/XX/2015 and Im back where I started. I still haven't gotten any mail sent to me. HELP | ||||||
| 09/05/2020 | Yes |
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| THIS IS BEING SENT TO YOUR OFFICE CERTIFIED MAIL, NOTARIZED : Date : XX/XX/XXXX NON-NEGOTIABLE XXXX of the family : XXXX Authorized Representative for XXXX XXXX XXXX and all derivatives thereof D.O.B. : XX/XX/XXXX SSN # : XXXX C/o XXXX # XXXX XXXX XXXX XXXX, PA [ Non- Assumpti ] NOTICE REGARDING JPMCB - CARD SERVICE XXXX ( as it appears on consumer credit report ) To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , DE XXXX Re : Non-Compliant reporting to XXXX , XXXX XXXX , XXXX and XXXX This letter is a notice of probable legal action against your company for willfully reporting false information on my credit report, violating the Fair Debt Collection Practices Act ( FDCPA ), violating the Fair Credit Reporting Act ( FCRA ). FCRA liability holds statutory damages at {$1000.00} per violation. Each account is considered a separate violation. I demand that you update this account, furnishing the data to reflect perfect payment history, with no missed payments, no late payments ; as I have not received to date : 1. Statement of Account Verification. Your claim which you are publishing by furnishing that the account has been late, must be verified to prove the validity, by presenting the Statement of Account under oath or notary seal, and signed by an Officer of JPMCB - CARD SERVICE, under penalty of perjury as to accord with impartiality, honesty and integrity. I hereby give you fourteen ( 14 ) days to perform to react to this notice sent using recorded post, and signed by the Deputy Director under their full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above request are true and without deception, fraud or mischief ; providing record of the accounting of any late payments. Without such records the late payment should be corrected on my consumer credit report. Your failure to do so constitutes a prejudice to my rights and is dam-aging to me. A credit report is not proper record. Page 1 of 2 Do not respond to me via email or text communications, except that initiated by me through The Consumer Finance Protection Bureau. TAKE JUDICIAL NOTICE 1. Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) 2. Chase Manhattan Mortgage v Toby Nelson ( 9th Circ CA US ) No. 00-15946 By : : XXXX of the family : XXXX. Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. Cc : WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded Pennsylvania Office of Attorney General XXXX XXXX XXXX, PA XXXX CRIMINAL INVESTIATIONS SERVICE CENTER U.S. Postal Service, MAIL FRAUD DIVISION XXXX, IL. XXXX POSTMASTER GENERAL U.S. Postal Service XXXX XXXX XXXX, Postmaster General Washington DC XXXX ATTORNEY GENERAL, United States of America U.S. DEPARTMENT OF JUSTICE XXXX XXXX, Attorney General of the United States Washington DC XXXX { REST OF PAGE LEFT BLANK INTENTIONALLY } Page 2 of 2 A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, andnotthe truthfulness, accuracy, orvalidity ofthat document. State of County of Subscribed and sworn to ( or affirmed ) before me on this day of, 20, by, proved to me on the basis of satisfactory evidence to be the person ( s ) who appeared before me, the biological man/woman ; I place my hand and seal hereon as an authentic act as a Notary Public Officer. Signature My Commission Expires : Seal Place Notary Seal Above Signature of Notary Public This section prevents deterrence and alteration of the document or fraudulent reattachment of this form to an unintended document. Description of Attached Document Title ( s ) or Type ( s ) of Document ( s ) : NON NEGOTIABLE XXXX Number of Pages : 2 Document Date:XXXX | ||||||
| 04/01/2015 | Yes |
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| We have been provided blatant misinformation by various sources at JP Morgan Chase Bank. When we initially spoke to XXXX XXXX at Chase, we provided her with a copy of our accepted offer on our house. She told us that if we did not lock our rate on XXXX/XXXX/15, it would be subject to change on Monday, XXXX/XXXX/2015. On XXXX/XXXX/15, we came in to sign the loan application documents and brought all information requested by Chase in order to secure the loan. After having us sign off on the paperwork, we were advised that since our closing period was 32 days and we had chosen to lock our loan on XXXX/XXXX/15, we would have to pay Chase another fee in excess of {$2000.00} to ensure that the rate remain locked until our closing date. We came to learn that we were misled regarding the lock - that the rate would not have changed if we had waited until XXXX/XXXX/15 to lock, as that was XXXX, and the rates would have remained the same until Tuesday, the XXXX. After arguing for days, XXXX XXXX, XXXX boss, then went through the farce of telling us that Chase would pay the fee on our behalf. Pay what fee? This was a fee being assessed by the bank! Having turned in all requested information in connection with our loan on XXXX/XXXX/15, we then followed up with XXXX XXXX multiple times each week to make sure that there were no hiccups in our loan process and that we were on schedule to close on time. We requested copies of the loan docuemtns for review and were repeatedly told that we could not be provided with the documents or the final numbers until processing had concluded, but not to worry, everything was proceeding on time. It was not until the close of business on Friday, XXXX/XXXX/15, that we were informed by XXXX that Chase did not have everything that they needed. They were missing IRS Transcripts - that they would be unable to obtain prior to closing due to delays at the IRS. Contrary to Chase 's disingenuous claim, the cause of this delay was not the IRS - it was Chase bank 's fault in failing to timely request them. We went to extraordinary efforts to obtain the transcripts only to be told the day before we were scheduled to close that the bank was missing other information, which, as it turns out ( following multiple calls ), they already had but had merely misentered into their system. We were urged to notify the seller that we would not be able to close on time, at which point we would have lost our earnest money and our house. We continued to push Chase to get this done, escalating this up through their Executive Offices to get the loan closed on time. We came to the closing table without seeing any final numbers or documents ahead of time only to discover that Chase was now requiring us to escrow amounts not previously disclosed or agreed upon. When we asked to make changes to reflect the terms initially agreed upon, Chase refused. We had not choice but to sign the documents. After the fact, XXXX XXXX worked with us to get this corrected. But not everything went smoothly. We had been told by XXXX XXXX prior to and at the closing table, that the day after our closing, we were eligible to take out a HELOC for up to 80 % of the APPRAISED VALUE of our home ( not the purchase price, which was lower ). We have since been told that this is not true. We were advised by XXXX XXXX through XXXX XXXX that we were only eligible for a HELOC based upon the purchase price ( unless we wait 6 mos ) and that we had to occupy the house in order to apply. We applied for our HELOC online and were told that as XXXX time home buyers, we are not eligible to take out a HELOC until 12 months after occupying the home. We have moved personal belongings into our house and all of our mail is coming there. Despite multiple requests and unreturned calls, we still do not know what defines occupancy and have not been able to secure a HELOC. | ||||||
| 02/04/2023 | Yes |
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| First off my name is XXXX XXXX and I am a Chase client and have been for over 20 years. I would appreciate any help I can get in this matter. I'll explain why I haven't received the proper attention in this matter shortly but first I would like to give the information on a fraudulent wire transfer that was sent to XXXX XXXX from my checking account. I will also upload copies of some of these number codes. This is how it reads in the transactions on the Chase website. ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX In the amount of {$7800.00} on XX/XX/23. US DOLLAR WIRE TRANSFER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23 I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official just like others me and my wife have received from Chase recently where someone was trying to fraudulently use our debit card. Chase would then send us a new card. So I responded no. I then immediately received a call from Chase Bank the number was XXXX XXXX XXXX XXXX which I have saved in my contacts. At least I thought it was Chase. I didn't know that scammers could make it look like they are calling from a legitimate number. The scammers told me that someone had hacked into my account and I needed to change my password and username. They also said the so called perpetrators were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone and I was on the website about to wire the money when I told him im not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from Chase. I thought if I hang up and call Chase wouldn't I just be calling the same number? So I sent the wire transfer in the amount of {$7800.00} because they were now in my account and new how much they could get away with. They said the phony perpetrators were trying to wire themselves {$7800.00} and this would stop it. I know it sounds stupid but they sounded professional just like other bankers I've talked with. Within an hour I started to realize that I might have been scammed and I called Chase. They said it was not them and that I had likely been scammed. I changed my username and password right away. This is where my complaint comes in. At the time that I called the wire transfer had just been sent. I pleaded with the numerous people I was being transferred to to stop the wire transfer. All they said was I need to send a secure message to do a recall. I said time is of the essence and I needed to speak to someone who could help immediately. They said because of XXXX no one is here to help over the phone. That is ridiculous and doesn't even make sense. So I typed in my message to recall the wire transfer of {$7800.00}. All I got was a message saying that they received my recall request. The next day they asked me via secure message if I still wanted to go through with the recall? Of course I did! I couldn't believe they hadn't even sent it to the receiving bank yet. I responded yes and I don't even know if they sent it that day or the following. Still no one at Chase would talk with me when I called still directing me to the infuriating secure message center where judging from some of their responses over the next few weeks sounded like they did know what they we doing or care. About 8 days later Chase responded again through secure message that the receiving bank which was XXXX XXXX had not responded and they were closing the case? Unbelievable. What if they do respond will anyone inquire further? They gave a number to call which has been disconnected and a website that doesn't exist. Please help in any way in this matter. | ||||||
| 09/15/2022 | Yes |
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| By XXXX XXXX, the bank notified us that our claims for {$10000.00} had been denied again. The reason they used was that they thought it was not fraud because someone used valid ID to withdraw the balance from the counter. I have contacted the bank immediately to state that I have proven the evidence showing my absence during the period when the withdrawal happened, but the bank unreasonably refused to believe what I said. I want to emphasize that on XXXX. XXXX, 2022, we received the blank affidavit from the bank to request us to declare that the money was not withdrawn by us, the owner of the account, in order to have the case reopened. We filled the affidavit and sent the copy to the bank immediately. The affidavit was sworn before notaries in the New York XXXXXXXX XXXX XXXX XXXXXXXX. ( The affidavit is attached. ) The bank received the filled affidavit but never promised to reopen the case as they promised before. ( The letter stating that they would reopen the case after they received the affidavit is attached. ) Unacceptably, they now refuse to believe what has stated in the affidavit which we have sworn that we have never withdrawn that {$10000.00}, and they say it is not fraudulent. The factor is that it is 100 % true that we had never withdrawn that unauthorized withdrawal from our account. We have repeatedly provided our evidence showing the owner was not in the United States during the amount unauthorizedly withdrawal. We have sworn to the notary that we never withdrew the {$10000.00} and it was withdrawn unauthorizedly by someone else, so how can the bank deny these factors? How can the bank deny what has been stated in the affidavit? How can the bank draw the conclusion that it is not fraudulent before so many pieces of evidence? How can the bank keep telling lie in front of so many pieces of evidence? The factor is that someone unrecognized and unauthorized illegally used my identifications to withdraw my balance from my account. This is completely illegal. The bank did not do their jobs properly which they did not check the identification and match the face with the picture on the identification. They also did not check the validity of signatures on the withdraw note. They have responsibility to cooperate with the police to start the investigation. The bank clearly knows that the police needs a letter stating that the bank remains my case open so I can successfully file a police report. However, they kept insisting to let us file a police report first then they can start the investigation. This is absolutely irresponsible and rude. It is clear that the bank has responsibility to reopen the case immediately so we can file a police report, and it can not be done in an opposite way. The bank knows that clearly. They should stop lying that saying it is not fraudulent, but in contrary, it is 100 % fraudulent. It is not the right for the bank to determine it is fraudulent or not before the intervention from the police forces. Therefore, they need to stop telling me it is not fraudulent but cooperate with the police to just reopen the case so the investigation can be started right away. The attitude from the bank needs to be improved. The representatives were sometimes extremely rude and impatient, and sometimes they just hang up the phone. It is not me wanting to talk to the bank but the bank did not take their responsibilities so my money was unauthorizedly withdrawn by others. If they did their jobs properly, and my money was still there, nobody wants to spend XXXX XXXX every day to call them. Once again, the bank needs to read this, and reopen the case right now. The affidavit has proven what we said is true that we did not withdraw the {$10000.00} so the bank should stop saying it is not fraudulent. They have to open the case so we can file the police report and make the case moving forward. | ||||||
| 02/27/2017 | Yes |
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| In XXXX I applied for modification of my primary home loan with Chase and inquired about modification of my HELOC at that time. I was first told that the HELOC would automatically be modified after the primary was complete. That was not the case. I called back and was told I needed to submit the very same documentation for modification of the HELOC as I did for the primary. After I did they denied modification of the HELOC. On XX/XX/XXXX I called Chase HELOC for options to lower payment from {$770.00} I was told I could unlock my XXXX % interest rate to XXXX % and I would have to pay an unlocking fee in the amount of {$1000.00} which was XXXX % of the original loan {$100000.00}. I asked if I did the unlocking what would my new payment be going forward and I was told {$530.00}. I then asked to have the form faxed to me and to be transferred to the refinance department. I did not follow through in returning the documents at that time. The month of XXXX I called Chase to request the unlocking documents again and I was again informed about the unlocking fee of XXXX % of the original loan. Also I was told the documents could n't be faxed so they promised to mail them. After a few weeks I called back to inquire about the documents I was promised and was sent to a local branch to retrieve them. XX/XX/XXXX I signed and faxed to Chase the unlocking document. Based on a letter I received from Chase explaining I would be able to draw from the HELOC I called to inquire about that and was told I could not draw because I had filed bankruptcy and when I refuted that information I was then told my home value had decreased. At that time I asked to speak to a manager who also stated my home value would not allow me to draw from the HELOC, however, she would check the appraisal system and get back to me. That was an epic fail because she made several attempts to call my home phone while I was out of the country even though she was given an alternate number to reach me and she never answered her phone when I called her. While still out of the country I logged on the Chase 's website and it indicated my XXXX payment will be {$2000.00} I immediately called Chase and told them do not deduct any more than the original amount of {$770.00} from my account until this matter can be cleared up. I called again and was told after some research I would get a call back in two days even though I was out of the country. That person called me back and put me through to XXXX. I told XXXX I did not want to go forward with the unlocking and do not deduct the {$1000.00} unlocking fee from my account and she told me it was too late to stop it from being deducted but they can refund it. The call disconnected, she did not call me back and I did not know how to reach her. Once I returned home I spoke to a Rep who read to me the notes XXXX left and said it ended with her stating the {$1000.00} will be refunded. He put me through to escalations and of course they were going to do another research and call me back. Finally my wife called and asked for the president 's office and was transferred to XXXX in escalations who did more research and called my wife back to say the initial conversation I had with Chase XX/XX/XXXX indicated the Rep explained to me XX/XX/XXXX will be the draw period and my payment will be {$540.00}. My wife told her the only {$500.00} amount we heard from the Rep was when I asked how much my payment would be going forward. Also since the unlocking document was signed we have called on many occasions to ask what our new payment would be and no one could tell us. It was then when XXXX told her the payment will be XXXX % of the current principal balance. My wife told her that was the first time ever we were told that not to mention we have not received any documentation stating such. SEE COMPLETE COMPLAINT IN ATTACHMENT | ||||||
| 08/23/2016 | Yes |
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| On XXXX/XXXX/2016 when visiting the XXXX XXXX Chase branch, a Chase banker by the name of XXXX XXXX informed me I was preapproved for a Chase XXXX XXXX credit card and asked me if I was interested in accepting the offer of credit. I said, yes, I was interested. He then began the process, and then he told me he needed to check something. He walked away and came back a few minutes later after speaking to another employee in the branch, and he informed me I was preapproved for the Chase XXXX and Chase Freedom credit cards, not the Chase XXXX XXXX card ; however, he told me since I was preapproved for both of the above credit cards, and based on our discussion of how much I travel, income, credit score, etc., that we could just put the regular application through for the Chase XXXX XXXX card, and I should be " approved no problem '' given I was preapproved for the Chase Freedom and Chase XXXX cards. I informed him I had applied for a Chase XXXX XXXX co-branded card a couple months prior, and I was denied, not due to my credit worthiness, debt, or credit score, but according to Chase Consumer Lending, I was solely denied due to the number of credit cards opened in the last 24 months, and that I was concerned about being denied again by submitting a " regular '' application, as he called it. XXXX said that should be no problem here since I was preapproved for XXXX other Chase credit cards and since I was applying in the branch. Due to his encouragement and stating my application would be considered differently due to having XXXX preapproved offers for other cards in front of him, I accepted to allow him to take the application. He finished and told me that the application would be reviewed and I would be notified within XXXX10 business days, and he gave me a phone number to call to check the application status. When I called the XXXX number XXXX provided at the branch to check the status on XXXX/XXXX/2016, they informed me that I was denied solely due to opening XXXX credit cards in the past 24 months, which the representative ( XXXX ) made a point to say was " excessive ''. I asked about my stellar credit score, credit history, payment history, etc. and he told me none of that mattered, and Chase was denying me simply because of opening XXXX credit cards over the last two years, regardless of whether those credit cards are still open or not. I asked for reconsideration, especially since I have worked for XXXX different banks over the past 2 years and it is common for senior employees to represent the bank by opening their employers credit cards, a practice known by even the president of Chase Card Services to do by holding every Chase credit card in his wallet, and that many of the XXXX cards he mentioned had been opened in XXXX24 months ago. The reconsideration was refused, and stated it was a final decision, and no other review of credit worthiness to determine qualification for credit to be issued would be considered. I asked if this policy was applied across all of Chase 's customers, which I was told " yes ''. However, I then asked if this policy was also applied to applications by the Chase Card Services president when applying for " excessive '' number of credit cards within a 24 month period, and the rep would not confirm. I also asked if this same policy applied to Chase Private Client customers ( high net worth ), and I was provided an answer that stated the customer relationship in branches is different than the card services, so I explicitly asked Chase if they deny Chase Private Client customers ' credit card applications solely based on the number of credit cards the customer has opened in the past 24 months and not on credit worthiness, and I was told the policy to deny applications solely based on number of credit cards opened in the past 24 months does not apply to Chase Private Client customers. | ||||||
| 06/22/2016 | Yes |
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| We, XXXX and XXXX XXXX, are seeking suppression of negative factors on our credit history due to a home equity line of credit modification process from Chase Bank. We are financially responsible citizens who consistently strive to act with integrity in any and all our financial dealings. Our responsible and conscientious nature in regards to our financial transactions had afforded us excellent credit scores for many years until we encountered circumstances beyond our control that forced us to seek a loan modification from Chase Bank. For 2 years, we lived with our XXXX children in our home in XXXX XXXX XXXX XXXX, Florida. We had a XXXX mortgage loan and a home equity line of credit from Chase Bank. We were financially stable ; however, when we realized that our financial stability was in jeopardy due to our business not being as prosperous as expected, we knew we needed to seek hardship relief from Chase Bank in order to overcome the current obstacle without it resulting in long term deleterious effects on our credit score and financial future. In trying to find the best possible relief from our situation, we deliberated over the following factors : 1. Tried to sell our home, but it had been on the market for at least six months without any potential buyers. 2. While our house was on the market for sale, there were several homes on our street that had already gone into foreclosure. 3. We decreased our listing price several times in hopes of stimulating a sale, but it did n't prove to be fruitful. 4. The rental value of our home was considerably less than what we were paying a month for mortgage. 5. The driving distance from our home to our place of business was XXXX miles XXXX way ; hence, adding to the financial hardship. 6. Our new business was not doing as well as expected ; therefore, greatly magnifying our financial hardship. At the time, an analysis of our situation and the latter mentioned factors led us to the conclusion that we needed to seek relief for our financial situation by applying for a modification to our home equity line of credit with Chase Bank. When we contacted Chase Bank about getting the loan modification, we were told that we could not submit a modification or a loss mitigation application until we were at least 2 months behind on our mortgage payment. Later, when we were 2 months behind on our home equity line of credit we were then able to proceed with our loss mitigation application with Chase Bank. We went through a lengthy process before we eventually got our 1st mortgage and home equity line of credit modified ( Please see attached notes logging the ongoing communication between myself and Chase Bank ). We were able to get some reprieve via the modification ; also since then, we have been faithfully paying the modified mortgage payment, but unfortunately we are experiencing negative financial side effects because of prerequisite associated with the loan modification process. Due to our missed payment record leading up to the loan modification process, our credit score has been negatively affected ever since then. Though we have a history of being current and responsible with our financial dealings and responsibilities, the negative marks on our credit from the missed payments prior to the modification is hindering our ability to attain specific financial goals and progression. We are asking that the negative components on our credit report submitted by Chase Bank prior to the modification process be suppressed so that we can no longer be haunted by a prior financial decision that we had to make based on our situation at the time. In essence, we would greatly appreciate it if Chase would request that the major credit reporting agencies suppress the negative credit factors on our credit that Chase reported due to the missed payments prior to the loan modification process. | ||||||
| 07/17/2015 | Yes |
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| After marrying a man with XXXX children I bought a house big enough for us on my own because of his recent bankruptcy. Due to delinquency of his kids I had to quit my job, which was not a hardship, because of his income and my child support. After one of his children XXXX he divorced me. In order to salvage the situation, I got a job several XXXX miles away, rented out the house, and Washington Mutual was very gracious in making a restructuring agreement with me, contingent on my making timely payments for six months. A few months into this probaitonary period, Washington Mutual was taken over by Chase. I was repeatedly told by Chase personell, to NOT WORRY, Chase would honor the agreement, and that the only change I had to make was to change my payments from automatic payments from my WaMu account to cashiers ' checks. I did this, and called Chase at the end of the six months. They told me to NOT WORRY, that all the red tape of transitioning the WaMu accounts over to their system was taking a long time, and to just continue to make the same payments through a cashiers ' check, which I did for month 7. Shortly thereafter an eviction notice was taped on my renters ' front door, and a realtor told my renters to stop paying me and start paying them. On my behalf, the person who had worked with WaMu for me spoke directly to this realtor. The realtor told him that this was not part of her job description, that she was being forced to do it against her will, and that some of her colleagues felt that this new practice was dangerous, as some folks being foreclosed on were being threatened physically by those they were attempting to deal with. My representative also spoke with the renters who decided they wanted to avoid being caught in the middle of a situation wherein they were required to make such decisions, and my renters vacated the premises. All of this happened during my employment evaluation, and ultimately, it cost me my job. By the time I was finally able to get to the property, the locks had been changed and there was a sign stuck to a window from which I learned that thousands of dollars of my gardening equipment, furniture, extension ladders, power tools, etc., had been taken to the dump. Shortly thereafter the property was sold. I had a lot of equity in the home, and the house was sold for around {$20000.00} more than I had owed on it. The banks made a profit, and I lost my life savings, which I had put into extra payments on my principle. Now, half a decade later, I discover that there is a claim that I still owe over {$20000.00}. I only found that out today because I applied for an apartment, and the application was denied. All these years I have thought that the tidy profit the bank made on the house certainly was cold in the grave. Had Chase been up front with me and told me that they would not honor the agreement WaMu had made with me, I would have not been justified in complaining, but they were deceitful, and during the period they were breaking that promise, I spent hours on the phone, being transferred from one associate or computer to another, only to end up speaking to the same associate I was talking to two and a half hours before. I was going through this and trying to get my renters to continue to work with me during my yearly professional evaluation, and it cost me my job. I did not fall under the category of people who had not been informed that restructuring was an option. I was informed, I had a restructuring agreement, I held up my part of the bargain, but the bank did not, but threw my case into the same database with those who had NOT been offered a restructure, and was treated as such, despite numerous reassurances on the part of Chase that I had NOTHING TO WORRY ABOUT. Now, all these years after the economy died, being able to have a place to live is still a problem. | ||||||
| 07/07/2015 | Yes |
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| This is a situation of being ignored by Chase bank to try and make them see facts!! I have not missed any payments nor have been late. XXXX on XXXX XXXX, XXXX at XXXX I spoke to the rep that called me from Chase ( not catch her name ). She told me that I have until the XXXX to make payment, the actual loan due date is the XXXX ( not the XXXX ) with XXXX day grace period. See ( attached ) XXXX XXXX statement with due date. The issue of missing payments and or being late is also wrong!! please see attached showing my bank statements going back to XXXX XXXX, no missing payments nor late.. Also attached is a letter from Chase HAD Research XXXX XXXX Department ( dated XXXX XXXX XXXX ) apologizing for not posting this payment on time and also I am told that the late charges ( not being removed ) may have started Because of this. My present XXXX XXXX report page ( attached ) shows that Chase is telling that I am late since XXXX XXXX. I have also attached My bank statements showing all payments each month and on time since that time. I am outraged that no one is looking at my evidences. I am about to be fraudulently foreclosed on because Chase Bank is a ______________. I am at the public libraries with a XXXX yr old car ( in need of repair ) with no monies for gas and my days are spent here because I am being XXXX out of my home by a _________________, that calls itself JP Morgan Chase. I am requesting ( as told by the FTC ) to complain again, to the CFPB and supply all of my docs. I am about to try to do this. I am XXXX yrs old legally XXXX being severly abused by Chase being put through all of this. The executive offices of Chase are not doing their jobs or maybe they are doing as they are told ( wrongfully ) by not appropriately responding to my complaints, instead keep pressuring me to make more payments on a loan that is a full of wrongs and mistakes/ predator while denying me the documents I need to expose what is going on here. I also recently have complained to the XXXX about XXXX the owner investor of this ________ loan to have XXXX turn over the audit ( to XXXX office, XXXX did on XXXX XXXX ) ( and Chase docs from XXXX XXXX XXXX ) showing the wrongs with this loan and that I am owed big monies for wrongful accounting. MY statement to you is that I have not missed payments ( even though Chase told the credit bureaus that I did ) and I have not been late either and demand my Consumer Rights!! to prove myself, within my resources ( tiny fixed income ) and not tell me that I need to FAX or make and send copies ( can not afford to do ) to them. The CFPB has been kept updated on my payments from over XXXX yrs ago and current showing I am accurate, and Chase Is NOT!!! Please review all of the attached I am being XXXX out of my home. That escrow account that I paid into was between that same time ( XXXX XXXX XXXX -- {$3000.00} ) and Chase put it to the balance after hiding it into a suspense account. Once again to tell you that they are still double billing me for it at a pace of {$57.00} -- XXXX {$58.00} -- p/mn for XXXX yrs. This is also why they are saying I am late because I am not paying that {$3000.00} again being tacked onto my monthly payment which wrongfully also includes the principal and interest ( overcharged at 5.5 % ARM loan ) booting the monthly payment up to {$420.00} per month. Please examine all carefully, If I did not fully attach all of my docs please contact me at XXXX ( answering machine on while out- usually here! ). I never went to college and am seriously stressing out and am concerned Chase may push me into an XXXX XXXX or another XXXX, maybe that is their goal!!!!! XXXX XXXX previously of " XXXX '' Housing -- - XXXX, XXXX, is the housing counselor that I had whom also did banking and knows these loans, she told me it is a " True Predator '' loan and that the whole principal be forgiven | ||||||
| 08/06/2023 | Yes |
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| On XX/XX/XXXX I deposited two checks to the JP Morgan Chase Bank ATM located at their XXXX, WY branch at XXXX XXXX XXXX XXXX, XXXX, WY XXXX. One check was from my employer XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$990.00} The second check was from XXXX which was an inheritance check received from my deceased mother 's recently closed account for the amount of {$2700.00} After depositing both checks in the Chase Bank ATM I was giving an error stating the checks could not be verified yet both checks were accepted and the money was taken from the checks and placed on hold for 10 days to verify the issuer. After 10 days I returned to Chase Bank and spoke with a banker to attempt to resolve the issue and was told Chase Bank needs to call XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and verify both checks by Chase Support staff. Chase support attempted multiple times to reach out to XXXX and verify the check. The issue that arose was that XXXX does not have a phone number that banking services may call and verify issued funds. Chase Bank will only accept phone numbers from businesses that can be verified by their fraud department through their internal service. Since XXXX doesn't have a phone number financial institutions can call and since Chase Bank does not have a phone number for XXXX in their fraud system I am essentially stuck in an endless cycle of attempting to verify my funds and being denied. After this first attempt at verification, Chase Bank proceeded to terminate my two checking accounts since funds had been on hold for longer than 10 days, and paid out my remaining funds in those accounts. On XX/XX/2023 I called Chase Support and got on with a representative who then called my employer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify the other check, my paycheck. The representative was able to call my employer through the phone number in their verification system and was able to speak to my employer and the person who issued the paycheck. The Chase representative then told me he received all the information he needed and that my first check, the paycheck would be verified. This same representative then stated he was also able to reach someone at XXXX and was able to verify the issuance of the {$2700.00} check. This Chase representative stated both checks were verified and were to be sent to the fraud department at Chase Bank and to call back in one week to make sure the funds were verified and to go through the process of how they would issue me my funds. I called back on XX/XX/XXXX and was told by Chase Support that since a holiday occurred during that time the checks were still not able to be verified and to check back in a couple of days. On XX/XX/XXXX I attempted to contact Chase customer support once again about the verification and distribution of my funds and was informed by this representative that none of the verification attempts that were made were successful and that my funds would still be on hold. I have since contacted Chase Bank every single week after this incident attempting to resolve the issue and am met with the same response that the funds are not able to be verified. I have called Chase Bank customer support multiple times and have asked the representative for a solution to this issue and am always met with the same response. I have also called and asked to be elevated to their executive department or to speak with a supervisor and have either been denied or told there were none available for me to speak to. I have already had the funds verified and the process completed yet Chase Bank still refuses to cooperate and release my funds after almost two months of them withholding a total of {$3700.00} that I desperately need. I would very much like to have this issue resolved and this stressful situation be over with. | ||||||
| 05/13/2023 | Yes |
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| My XXXX Chase Bank checking accounts have been open for almost XXXX years. On the XXXX of XXXX, I had to dispute random XXXX XXXX charges that I had not approved or known about ( I am still unsure of how they did it or what they used ; perhaps my replacement card was stolen ). A XXXX charge and a XXXX charge were reversed by the XXXX XXXX for security reasons, I'm assuming, so the maximum amount they were able to take in one transaction was XXXX dollar. I disputed those charges in my main Chase checking account, which then canceled my current debit card for the account, and they said they would mail me a new one. Chase is not very fast when it comes to replacement cards, and since I needed a debit card for the day, I went ahead and transferred everything to my second Chase checking account ( backup account ) because I had the debit card for it. Well, out of nowhere, on XX/XX/XXXX, and without warning, Chase canceled my backup account 's debit card and then continued to cancel the debit card that was on its way or has been put in the mail. At least I was only able to figure this out because XXXX XXXX was using one of the debit cards and both cards were in my digital wallet. XXXX notified me that both of my cards were suspended or restricted. I searched my entire email, all my text messages, and all my phone calls and voicemails, and no one even touched base with me before this event. My debit card just stopped working, and there was no longer a debit card to request a replacement for under either account that same day, so I went to the bank. I went to the bank branch and talked to the assistant manager or XXXX of the guys, and they told me that there was nothing there for some reason the in-house team or an algorithm or whatever flagged me as being a high-risk fraud account or something along those lines, and my account was then and I would not be able to get any of my money out at all transfers, account payments, automatic payments, or debit card payments would be flowing through the account any further, but the funny thing is that account had already been. Both accounts were already restricted and fully suspended, but for some reason, they excepted my direct deposit from my payroll check for {$2000.00}. They not only accepted it, but they held onto it and told me I wasn't going to be able to pull anything out of it at all for 10 days after I was told about the restriction because of the ongoing investigation into the disputed charges. So I will not be able to pay my car note, and I will not be able to fix my truck. I can't get my medicines. I have no money in my name, and because of this, I can't get my prescriptions. I can't even go to buy food all because Chase decided they wanted to restrict my account for no reason, or at least they're not telling me what the reason is. I'm sorry, but 10 business days is a long XXXX time, plus they're going to mail the check out to me after probably 15 to 18 days for me to receive any check, which is insane. They expect me to go without any of my money for 18 days, which is more than half the month. I can't do that. They could've given me a heads up. They could've told me. Question me if they had a problem, not just restrict accounts, cut off cars, and lock everything down. Right after they lock everything down, they go ahead and accept my payroll check. That's just horrible ethics. People on the phone and talk to the branch manager, or they were supposed to call me, but they didn't, and being a brick wall, there's no way I'm going to be able to set my funds. I have {$2400.00} in my main Chase checking account and another {$500.00} or so in my backup Chase account. These people have no remorse, no empathy, and do not care. Chase Bank probably did not care about me since I was not earning enough income and was not keeping enough money in the account to earn interest. | ||||||
| 05/07/2021 | Yes |
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Web | Servicemember |
| I have a complaint issue with Chase Bank. On XX/XX/XXXX, I received alert messages in my email regarding fraudulent purchases here in the XXXX ( image # 1 ) using my wife 's Chase debit card which expired XX/XX/XXXX ( image # 2 ). We immediately called Chase Bank XXXX XXXX XXXX ET ) in the US and notify them about the issue. We were assured by the Chase agent that although the bank subtracted the amount purchased from my account, Chase Bank has not paid the merchant yet since according to his data the payment is still pending especially it's weekend and their business office was closed. I asked him to stop any payment because we did not make any transactions since we are not allowed to leave home because of total lockdown in our area due to covid 19 virus. He said he will take note of our request and advised us to call Chase Fraud Department on Monday XX/XX/XXXX, as soon as the office open. On Monday XXXX XXXX at around XXXX XXXX ET I called Chase Fraud Department and explained the whole situation to the agent. He then confirmed to me that it was my wife 's card that was used in the four fraudulent transactions and there were two additional fraudulent purchases that were made the following day XXXX XXXX XXXX time ( image # 3 ). He made me answer several questions and emphasized that our conversations were being recorded. After the series of questions and answers, he then instructed me to wait and check my account five to fifteen days later. He then told us that our former debit cards have been revoked and he will send us replacement debit cards which we declined and told him we will request for that as soon as we get back to the United States. On XXXX XXXX the amount of purchased and foreign adjustment fees were returned to my account plus the interest payment of {$0.00} 0n XXXX XXXX ( image # 4 ). We were comforted and appreciated the bank 's action. But upon checking my Chase account in the morning of XXXX XXXX XXXX XXXX time ), reversed its former action ( image # 5 ) and leave me just {$91.00} in my account. At XXXX XXXX ET ( US XXXX XXXX ) I was able to get in touch with Chase agent. He told me that my case was investigated and was found that whoever used the card for that six transactions used my wife 's debit card. We were shocked and couldn't believed what he said. I told him we did not used nor lend the said card, which was in our possession, to anybody. Both our Chase debit cards were expired, and included in the alert agreement with the bank that we can not go over {$120.00} in each purchase unless we talk to a Chase Agent for approval. I told him too that the distance between the stores where the first four transactions were made were far from each other since they were located in different cities here in XXXX XXXX. It is impossible to be able to be present physically at different stores at different cities in a short span of time to do a transaction considering the distance from each other besides the traffic and several police checkpoints because of the pandemic ( image # 6 ). The Chase agent told me that both mine and my wife 's Chase debit cards have an expiry dates of XXXX, which is a complete lie ( see image # 7 ). PLease note that Chase Bank Fraud Department have not called, email or send me any letters regarding their actions which leave us in complete darkness. I am frustrated, disappointed and angry with the situation where we are in right now. I am experiencing XXXX, XXXX XXXX, XXXX XXXX lack of XXXX and have to consult doctors as my XXXX worsening. We are staying inside the house for more than a year now, do not know when we can go back to the United States safely and the bank we trusted and deposited our money and livelihood CAN NOT protect us from scammers/hackers and even made us the villain in losing our money. Please help us. Thank you very much. | ||||||
| 04/15/2015 | Yes |
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| XX/XX/XXXX I attempted to check my account balance with CHASE Bank on my mobile device and was unable to do so. I contacted the bank by phone in an effort to resolve the issue. I was informed that my account had been forcefully closed ( without my consent ), that my funds would be temporarily seized ( unable to be withdrawn in person ), and that nothing could be said other than that it had been determined that my account posed a threat to the bank, and was shut down ( I had not received any notice prior to this moment - by email, mail/post, or voice mail - that my account was being suspected of fraudulent activity, or was at risk of being closed on negative terms by J.P. Morgan CHASE bank. ) I was told that after a period of time, where all my transactions had essentially flat-lined, I would receive a check for my balance in the mail. This was my sole account and therefore had the entirety of my personal funds tied up in it. I did not use the debit card associated with my account from then on, exceeding the time period I was given over the phone for no transactions, in an attempt to receive the money I desperately needed as soon as possible. However, during this period, the educational institution I was a student at during the time was able to directly-deposit an amount for scholarship into my CHASE account that was supposedly " closed. '' I again made an effort to resolve the issue, and after talking to multiple people was finally able to go and collect my scholarship money, and the remainder of my account 's balance, from a nearby CHASE branch in XXXX XXXX, XXXX. I had no desire to inquire as to the bank 's decision in closing my account as I had already made many attempts to do so with no definitive answers ( nobody once verbalized in our conversations any " suspicion of fraudulent activity '' ) and I had been subjected to minor grievances prior with the institution. Later, on XX/XX/XXXX, I attempted to open an account with a local credit union. The credit union denied my application because of a credit report they received from Chexsystems in which there was stated : " Suspected Fraud Activity - J.P. Morgan Chase. '' Immediately following this, my brother and I drove to a local branch and talked with an assistant manager. This individual, like everyone else I had talked with prior ( via phone and in person ) could not tell me anything regarding the nature of my account 's closure, nor the " suspected fraud activity '' note that had prevented me from becoming a member at another financial institution. Although this individual did get back to me, no questions were answered, and the issue was not resolved in any way. Next, I attempted to called corporate but after two hours of explaining the same story repeatedly, and being put on hold for extensive periods of time, I finally spoke with an individual who told me that I would not be resolving the issue in the manner I wished. As I 'd expressed clearly throughout the entirety of my 120-minute phone call with J.P. Morgan CHASE Bank, my only goal was to attempt to strike this from the record as 1 ) I was essentially being wrongfully accused of fraud activity - I had not knowingly committed any, and 2 ) I was not notified in any way that my account was at risk for any reason whatsoever. I left the issue there, having been preoccupied with a cross-country move for a position I had been hired on for at XXXX 's XXXX XXXX XXXX in XXXX, XXXX. However, the problem was still of much concern to me, as I was gravely worried that during my FBI background investigation, this would pose a serious threat to my employment ( in the area of credit ). Later, on XX/XX/XXXX, I was again denied an account at a local credit union for this same reason that I was denied previously back in XXXX. This issue has, is, and will continue to create financial distress for me until resolved. | ||||||
| 05/23/2023 | Yes |
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Web | Older American |
| Companies involved : Chase Bank in XXXX, CA ; and Amazon.com where previous employees were scamming Amazon Prime customers : On XX/XX/23 I received a phone msg on my answer machine from people who identified as Amazon Prime ( who had my credit card info stored ) requesting authorization of a LAPTOP & CELLPHONE purchase from Amazon Prime ( AP ). Following day I recd a text msg from person who also identified as AP re the purchase of the above for approx {$3000.00} The text asked that I contact a # to authorize or cancel the said purchase. I then called them.They routed me to XXXX and then a variety of other AP associates ( same as above ). I told them I didn't purchase nor authorized purchase for a LAPTOP OR CELLPHONE. ( **I have names, # 's & records for everyone I spoke to, when you need them, as well as receipts and records for each of the following transactions ). XXXX told me it was too late to stop the transaction and they would need to refund me my money, which she said would happen very shortly. She said I would need to get the " XXXX XXXX '' app on my phone as they would need this to make it work. Being that I was quite upset & anxious to get my money back I complied with all their wishes as I believed them to be AP, a trusted company, and downloaded the app. XXXX then directed me to a coin based ATM ( at XXXX XXXX XXXX near me ) and bring my Chase Bank Card, which I did. XXXX directed me to enter my Bank Card and once completed to close down the transaction and repeat the same steps the following day. She called me the next 6 days to do the same thing. I was so worried to not get this money back that I complied with all her directions. Each time I questioned her she assured me she was acting on behalf of Amazon Prime and this is what I needed to do. On the last day as I became skeptical and questioned her, she asked if I wanted to speak to her supervisor, I said YES, that fellow assured me that she was correct in her directions to me to get my refund. I looked at my electronic CHASE BANK statement to check to see if the money had been refunded and found both my checking and savings accounts were reduced by {$30000.00} I was absolutely shocked and reported it to Chase Bank immediately. I told them I believed my bank accounts were hacked and wanted to close my accounts and return my credit and debit cards and check book. I was told by a Chase Bank representative that they thought I would be covered by insurance and have all my money returned. And was asked to contact Chase fraud escalation team and report it, which I did immediately. I was so upset that I then contacted the XXXX XXXX XXXX, XXXX division Sheriff department. I was told that this similar scam was happening to other XXXX residents and he was going to file this under Elder Abuse. I have followed up several times with Chase Bank and they keep directing me to the Fraud Squad Escalation team who basically have said it is in process and still reviewing it. I went into Chase Bank and the representative was surprised that I hadn't heard anything. This has now been 16 weeks and I feel no further ahead. I have suffered greatly at the hands of my creditors and my credit score has fallen over 200 points. I have encountered severe lack of funds and the capacity to pay the creditors on time. I have encured late penalties and interest fees. I receive calls daily from the creditors which is understandable but extremely upsetting. I am elderly, at nearly XXXX and a XXXX of 22 months and am totally beside myself. The stress has been considerable and is causing skin rashes, hives, lack of sleep and other health issues as I am a XXXX XXXX too. I desperately need your assistance and pray that you can resolve this as soon as possible. I am from XXXX and not used to your systems and unfortunately felt prey to people I thought I could trust. | ||||||
| 04/16/2020 | Yes |
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| My complaint is about chase bank. On XX/XX/XXXX I received a text message asking if I charged over a hundred dollars to account that this may be fraud. I responded 'No '. Immediately I received a call from a woman Claiming she was from chase fraud department and professionally went over all the charges with me where she said these charges were out of state if recall she said North Carolina and Florida. 6 {$100.00} Charges at a target total of {$630.00}, and 2 {$110.00} charges at a XXXX a total of {$220.00} making that all together {$850.00} in charges! While on the phone as she said she was reversing the charges we got disconnected. After the call I looked at my bank account and more charges were on it. I tried calling chase customer service and was on hold for almost an hour so I hung up and said I'll call back in the morning since it was getting late. With Covid going on chase states online that wait times are very long. For 2 days I kept calling and waiting over 4-5 hours to speak to someone ... No answer. This caused me to lose the new place I was Supposed to sign for and use this $ for the down payment. I asked her if she can hold the place but someone else signed for it the next morning. At this point I was devastated. I finally went to a chase drive through not wanting to leave the house because of the pandemic risking my health and spoke to someone who looked in my account and said it looked like there was definitly fraud and that someone also tried changing my pin, they had me drive to a branch with the lobby still open to see what they can do. When I got there they would not let me in at first. Due to the virus. After I explained my situation they let me after 30 minutes I sat down with a banker to where she explained there is nothing they can do that I have to call the claims dept. That the wait times can range up to 18 hours. Frusterated and stressed out I went home and kept calling. Finally getting ahold of someone I believe XX/XX/XXXX he helped reverse all the claims, he seen the fraud, he seen my pin trying to get hacked. So he deactivated my old card sent me a new one along with a new pin. On XX/XX/XXXX the money Finally got reversed into my account a few days later I received my new debit card and my pin. I finally had access to my funds and everything was corrected. On XX/XX/XXXX I opened my chase app to look at my account. They were back. All 8 charges were reversed back into my account. Thinking it's a mistake I tried calling chase for hours - again. I spoke with someone after an hour she said she would transfer me another 2 hours went by.. On hold no one. I hung up. The next day XX/XX/XXXX I called again finally talked to someone after an hour and a half. She said the claim was denied and the charges can't be reversed that it's not fraud.. NOT FRAUD? I didn't approve the fees. I did charge the fees, I didn't travel out of state? I haven't traveled out of state in almost 3 years! Not fraud?! She said there is nothing they can do. None of this made sense. Chase has helped me in the past with fraud on my account its never been like this. She also mentioned something about XXXX XXXX? But last year I had someone take my info and took all my $ via cash app and chase quickly took care of the situation in minutes, with no issues. Part of the reason I stayed with chase for years. I'm frustrated and depressed, this is a very critical time with this pandemic happening. I sat in my room with XXXX the whole night and decided to do as much research to get this sorted out I'm going through a financial situation in my personal life and I can't afford to let someone take almost {$900.00} out my account. I don't have any documents to share since its all on my chase app and it doesn't allow screenshots. No one should have this happen to them. Ever. Especially during a critical time. Someone please help | ||||||
| 11/21/2018 | Yes |
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Web | Older American |
| On XX/XX/XXXX my daughter and I went to Chase Bank and had a personal banker send an international wire from my Chase account. This was a business transaction as I was loaning my daughter {$20000.00} to invest into buying into her company. I have attached the wiring information that we provided the personal banker. When we sat with the personal banker we asked her to fill out the wire exactly how it shows on the banking paper we provided. My daughter said when she wires money she uses the XXXX and XXXX XXXX XXXX to ensure the correct information and pointed to them to have the banker use that specific information. The banker responded, she had to insert the information the way Chase Bank does it. The banker mentioned the way my daughter was wiring money was the way XXXX XXXX version and Chase had a different method. The banker proceeded to fill out the information on the screen and she mentioned she couldnt fit all the numbers on the account number as it was too long. My daughter said again that she copies the wiring sheet we provided the banker exactly to ensure it gets there. The banker filled it out the way Chase does it. When she brought the wiring paper to us, my daughter asked where all the numbers were and what was under the xxx and the banker said not all the number will be on our sheet as its on her computer and that it is all correct. My daughter made a point to mention we need it right and the banker took off her screen protector and showed us a green check mark that ensured everything was ok. The banker then said if there were any issues the wire would be sent back. Two days after the wire was not received we went into that same Chase Bank branch to see what the delay was. The banker who signed off on the wire and manager advised it was fine and to give it a few more days. We even provided the wiring instructions for them to review as my daughter felt uneasy. The manager mentioned that the banker who did the wire left out the sort code but that wouldnt be a problem. Another few days pass and the recipient had not received the funds. We went back into the branch and asked Chase Bank to rescind the wire and return the funds as there was an error. We showed up or called this branch every day for updates as to what was going on. We later find out the banker inserted one incorrect number on the account. We are writing to you as we have exhausted all options. We have called or been into two different Chase Bank locations since this issue took place over a month ago. The Chase Bank call records will reflect that we have been calling in almost every day. We have even called the Chase executive office and opened another case number with them. The recipient ( who was suppose to receive the money ) has been in contact with his bank. They have advised this is between Chase Bank and the person who received this money in error. The money has been put into the wrong account due to an incompetent banker who clearly does not know how to send an international wire. We trusted a professional personal banker, when she said she had to do it the Chase way. We provided the exact wiring details we wanted her to copy for the recipient. My daughter has been wiring money to her company for eight years with XXXX XXXX and there has never been a problem. We brought the wiring details to a professional banker to ensure it would be done correctly and they lose my money. This would have never happened if the personal banker had inserted the correct details that we provided her and also asked her to do. We have been waiting over a month already to get some type of answer. I need an advocate as Chase and XXXX XXXX are both refusing to help although this is an error that the personal banker caused. This has caused so much harm for myself, my daughter and the proposed recipient. What has happened is completely unethical. | ||||||
| 02/02/2017 | Yes |
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| I submitted my last request for mortgage assistance in XX/XX/XXXX, CHASE has done everything in their power to prolong the entire process to ensure they can take my house. In XXXX XXXX, they just requested my XXXX and XXXX tax returns. I filed my XXXX tax Returns in XXXX. CHASE purposely delayed my application. Between XXXX., when I submitted my application, and XXXX, I was asked to submit multiple sets of pay stubs. All of the pay stubs have me grossing over 3,000 every two weeks ( between XXXX and XXXX XXXX dollars a month ) as well as I have an additional XXXX dollars of boarder income. Based on this information, my application that normally takes two months for them to deny me went to ten months and then they requested a new application when they had everything that they required. When I actually qualify for the repayment plan, I could not get them to process my application. CHASE strategically stopped processing my application and has delayed everything because they know as a XXXX, I get less income over the summer and at the beginning of the school year. Even though I have sent in pay stubs on three different occasions, they requested a new application and pay stubs in XXXX. They know I just returned to work and my pay is extremely low. On the day my pay stub hit my CHASE account, they called me twice to request that I send in my pay stubs. From this behavior, I also believe that they have illegally accessed my personal CHASE account. What CHASE did was Unethical and should be criminal. I am a XXXX and all I wanted was help to keep my home. I increased my income, had a boarder income and did everything CHASE told me I had to in order to qualify for a repayment plan. CHASE on the other hand has been unscrupulous and purposely withheld my application and started the process at the end of the summer/beginning of the school year. Because of the delay, the documents I had originally sent in expired. They had all the documents and should have processed my application based upon the documents they had. Everything they needed, was sent in. If they needed something else, they waited months to request something that they could have been requested. This is my fourth request for a repayment plan. The other times, I was denied within two months. I was only making XXXX a month and did n't have the extra XXXX boarder income. The time that I do have more income, almost 7,000 dollars a month in income plus an extra XXXX dollars of boarder income, they have twiddled their thumbs and now want me to start my application over again. Initially, CHASE did not even tell me I was in foreclosure. They cashed my payment and then refunded it and stated I was in foreclosure without notice. CHASE is circumventing the rules and using multiple tactics to take my home. At this point, I have decided to stop fighting as it is clear that I will not win. Although even the attorney general, has questioned CHASE 's adherence to mortgage laws, which they have misrepresented themselves, and I do have the proof to show they did not act in good faith or lawfully/ethically with the handling of my last request for a repayment plan, I still feel as though the little guy never wins. I ca n't just sit and wait for them to take my home ; however, they need to be punished for what they did to me to ensure they stop these unethical and illegal practices. I cried many nights and want to ensure that policies that were put in place to help people are n't abused like me. Because of lawyer fees, taxes, interest, and mortgage payments accrued month after month and it is unfair that I am liable when they were just trying to take my home, regardless of what the law said. My documents and phone conversations that they record will prove that they willfully and unlawfully asked for things multiple times and sat on documents in order to ultimately take my home. | ||||||
| 08/26/2016 | Yes |
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| I have been trying to get a loan modification for more than 6 years. I have worked with nearly XXXX different representatives who work for, are associated, or affiliated, with CHASE. This is merely a smoke screen, bait and switch, pass the buck, shell game. This most recent episode, I was told I had to make XXXX trial payments without ever seeing any contract, or agreement. I began making the trial payments in XXXX XXXX. I made XXXX more trial payments in XXXX and XXXX. I 've made XXXX more trial payments since XXXX. Back in XXXX XXXX, a liaison associated with CHASE who I was working with finally received a loan modification agreement that she was supposed to forward along to me. I received the agreement several days later. I was given 7 days to review, agree to, and sign a XXXX page loan modification agreement that contained vague terms, unverifiable amounts, capricious number of years added on to my loan term and terribly perplexing and possibly fraudulent details that CHASE refuses to explain. I sent all my questions immediately and none have been answered or received a response. The reason CHASE and the other banks get away with what they do is because they target low income people who ca n't afford to hire an attorney. Any suggestion to do so, whether from the White House, the Colorado Attorneys General Office, or CFPB is disingenuous, and ridiculous. If I could afford an attorney to stop what is going on, I would n't be wasting my time contacting the White House, the CO Attorney General, or the defunct CFPB. In XXXX, I was referred to my local Housing Authority for assistance and became involved in the EHLP. Part of my complaint has to do with the confusion concerning how, what, and how much was paid to whom and by whom for what with the EHLP. I learned that this program is somehow affiliated with the State of Colorado. Then, according to XXXX XXXX 's HUD liaison, who acknowledged my assessment concerning the documentation I received from EHLP regarding my loan, XXXX agreed EHLP and the XXXX have some atrocious record-keeping practices, which by the way, so does CHASE. So, now I 'm in to EHLP, whatever that is, for {$26000.00} and no one can tell me how, what, and how much was paid to whom and by whom for what. Yet, I 'm sure if the opportunity arises, I will be located and tapped for every single red cent. Uninformed borrowers with subprime loans were blamed for the collapse of the economy in XXXX. For fear of sending the economy into another spiraling downfall, I ca n't, in good conscious, sign any loan modification that I do n't understand. Without CHASE explaining to me the questions and concerns I have regarding the agreement and my account, I do n't want to be an ignorant borrower and responsible for another financial institution meltdown ( all facetiously stated, of course ). I have a right to know what CHASE is expecting of me, and what they are basing their expectations and demands on concerning my account and program details, in no uncertain terms. I also have a right to know what I can expect of CHASE when it comes to handling my account. The CHASE liaison wants to discuss finalizing the loan modification. I told her I want to meet with someone of authority from CHASE who can go over their figures and documents and compare them to all my figures and documents ( not really all, because I have boxes and boxes of CHASE and Washington Mutual documents, and correspondence, and applications and ... ). Right now I simply want to confirm facts and figures from the past 4 years to determine what of those figures and documents are legitimate. I 'm fatigued of dealing with all of this. I do n't mean to take anything out on whoever is reading this. This just needs to get straightened out after 7 years of this back and forth with CHASE and 3 years prior to that with WaMu. It 's simply ridiculous. | ||||||
| 10/26/2022 | Yes |
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| XX/XX/2022 I am Federally Protected Consumer and I have been discriminated against and my rights as a consumer have been violated by Chase Sapphire. Acct # XXXX as they lowered my credit limit on my account in XX/XX/2022 they NEVER SENT ME an Adverse Action Notice. Under the Equal Credit Opportunity Act this is considered discrimination against me as a consumer. Furthermore, Chase sapphire never informed me of my rights. Chase sapphire has the obligation to correct action. According to the CFPB ECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Acct. In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action [ s ] include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. Pursuant to 15 U.S. code 1681b no consumer reporting agency may furnish any consumer report unless there is a court order or with my written instructions as a consumer to whom report relates to ; meaning Chase sapphire fraudulently and unlawfully accessed my consumer report acting as my agent or my representative making any or all consumer reporting agencies believe that Chase Sapphire had my written consent to access my private information as a consumer ; violating 15 U.S. Code 1681n - Civil liability for willful noncompliance. I have made multiple attempts in writing including certified mail starting in XX/XX/2022 to let Chase Sapphire know about the many issues under 15 USC 1691 ( e ), The Equal Credit Opportunity Act 1602 ( e ), 15 U.S code 1692 ( d ), TILA 1026.9 ( h ), ( 2 ), ( i ). Despite my good faith and effort to remedy this situation, Chase Sapphire has decided to willfully ignore my request and disregard/ignore the penalties for not complying with the ECOA, TILA, and the U.S code . According to ECOA regulation states that Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action. Not only is Chase Sapphire discriminating against me by unlawfully lowering the limit on my own credit, but they are also using defamation by ruining my credit worthiness, tarnishing my name and causing harm emotionally and physically by furnishing any information without my prior written consent according to USC on my consumer reports which is " false misleading representation 15 U.S Code 1692E. 15 U.S code states that I have the right to privacy. I never gave my lawful, legal consent, authorization to Chase sapphire to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties, and there is no Law that states a " a drop in consumer credit score '' is valid reason to deny, cancel or cause an adverse action against a consumers credit. Chase sapphire legally, or lawfully can not state that either. FEDERAL LAW supersedes their " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by Chase Sapphire against me and my Consumer Rights. As a natural person and consumer protected under the ECOA, TILA, and the U.S code I have the right to enforce my rights! | ||||||
| 09/29/2022 | Yes |
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| Date : XXXX, XXXX Good afternoon, Sending this email to notify your agency that on XX/XX/2022 at about XXXX ( EST ) I was a victim of a recent fraud/scam using my XXXX account for payment ( via ) my Chase checking account. I was approached to purchase some sporting event tickets and used my XXXX account for payment via my Chase checking account. The initial communication was from a XXXX post for Tickets ( XXXX ID XXXX ), I have a reported to XXXX. The tickets were to be transferred to my ticket master account once payment was received. The tickets were not transferred to my account. Although I wanted to only make one transfer for {$430.00}, it appeared that the first one did not go thru as it was hung up in the pending status, so I made another transfer of {$430.00}, which turned out to be a duplicate. Now the two transfers ( {$430.00} each ) debited to my account resulting for a total of {$860.00}. When I called back to numbers I had one for the initial contact ( XXXX Spoke to XXXX ) and the phone number used for the XXXX transfer ( XXXX ID name ( XXXX XXXX ), my number was blocked from making a connection. My Chases local branch is located in XXXX NJ. I notified Chase immediately, ( within minutes ), but to no avail, chase would not stop the transfer, even though I repeated and inform them this was a criminal matter. Chase said this was not fraud but I was a victim of a scam. My reply was it is fraud and they have a responsibility to protect their customers on their platform and for them to ignore my request to stop this transfer and not refund my account they are supporting criminal behavior. This also understanding that the transfer ( s ) meets the requirements for a refund under the Banking -E Reg as a duplicate transfer. Of course they did not mention that during my several conversations! They clearly have and had the ability to stop as I just happened within minutes of the call to Chase. At that point I had no other recourse, I submitted a claim into Chase and they are investing. Chase however, said this would not result in me getting my funds credited back to my account. When I spoke to Chases XXXX online support reps reply, was that XXXX was a third party platform and association with they have no information to identify the owner of where these funds went to and therefore no way to get my funds refunded. This is not true as XXXX is a peer-to-peer, or P2P, payment service owned by XXXX XXXX XXXX -- a consortium of major US banks, including XXXX XXXX XXXX, Chase XXXX XXXX XXXX and XXXX XXXX. Which means they are very much in control if they want to make the effort and protect consumers on a platform they control, clearly own and prefer to play semantics with words its not fraud -you were a victim of a scam, to side step their responsibly, thus indorsing criminal behavior. First the big banks create and indorse a platform to compete with platforms like XXXX ) but dont have the same consumer protection as their competition. Nor do they do enough to promote and market these short comings to the consumer. I also filed a report with the local police department ( XXXX, NJ ) working with XXXX XXXX and he is currently investigating. He has also issued a subpoena to XXXX for the phone and XXXX and awaiting their response. However, the detective past experience is that XXXX will ignore the subpoena- Why? Because they think they can and until the banking industry steps up and protect the consumer they will continue to do so. Please not : The initial communication was from a XXXX post for Tickets ( XXXX XXXX XXXX ), I have also attached a copy of the post and reported top XXXX as well. Next stop a full out campaign to the media exposing Chase 's lack of effort to protect the consumer, thus promoting criminal behavior Please let me know if you can assist in getting my funds refunded by Chase. | ||||||
| 02/24/2019 | Yes |
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| Chase Card Address : XXXX XXXX XXXX City/ State/ Zip : XXXX, DE XXXX Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, Thank you. | ||||||
| 07/02/2020 | Yes |
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| To whom this may concern, I have been dealing with this matter for over a month now. Chase has giving me no explanation on why my funds have not been released to me.I opened my Chase account 3 to 4 months ago. I hadn't had the account for long. I get unemployment every week in the amount of {$840.00} since the pandemic has started, and i was getting it direct deposited into that account. The week of XX/XX/XXXX i noticed a charge for {$64.00} on my account had been made, and it was something i did not authorize so called into customer service and explained to them what happened. They advised me on the investigation process and explained that they would lock my account and send me out another card. While still waiting on the card the week of Monday XX/XX/XXXX I try to log into my account to see if the {$64.00} was put bank on my card. So that way I could go to a bank and get that off since my account had been locked and I couldn't do anything with it. So, Monday XX/XX/XXXX when I tried to log in it says the account now had suspicious activity and I would have to call customer service. I called customer service, and they told me they was closing my account and wasn't telling me why. I asked about my {$840.00} that would be deposited on XX/XX/XXXX. I was told that I wouldn't get it and could call and see if they would release my funds at the end of the week. So I went to a Chase bank the next day, and the only thing that was in my account was the {$64.00} that I disputed. I went to a Chase bank here in XXXX and a manager was able to give me the XXXX XXXX.She told me that since my account was closed that the {$840.00} that I would original get would be sent back to the IRS. I called the IRS letting them know what was going on and they told me once they received the funds back then they would send them to me, but it could take up to 2 weeks. i waited 2 weeks and called the IRS to see why my funds hadn't been sent out. They told me nothing came back to them and that's why they hadn't sent me my funds. I then called Chase. Chase told me that a check was showing it was printed on XX/XX/XXXX and that I would need to take my id and verification into a bank in XXXX during this time i updated my address so the check would get sent to the wrong address if they needed to send it out. Which would have been XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX, but with turning in all my documentation the rep said they should be able to give me my funds. i spoke with 2 reps who told me the same thing that week. I went into Chase bank in XXXX on XXXX XXXX XXXX and gave them my id and verification from the unemployment office showing that the {$840.00} belonged to me. Was told it would take a day to verify. I called back the next day, and was told my check had already been mailed out, I explained to them that I had updated my address. Chase said they sent the check to my previous address in XXXX XXXX. So I stand in the bank in XXXX on XXXX XXXX XXXX and update my address again. So they said they would destroy that check and send out another one, and still nothing. I then speak to a Chase rep and was told everything came back good and she would put in a request to get my checked mailed to the right address. She told me it would be to me no later that Tuesday. Tuesday rolls around, and no check. so again, I call I was then told my request to get my check resent out was denied. I then escalate this and speak with XXXX from the executive office. She explains to me that she would call me in a few days, and let me know whats going on. XXXX calls me back 2 days later and explained to me that the bank office is not going to release my funds, and can not tell me why. She told me that they would not change their decision and she was sorry. I asked her who had the funds and she said Chase still does and was told they would eventually go to state. | ||||||
| 09/07/2016 | Yes |
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| My mortgage banker repeatedly lied to me about the status of my application and the timing for closing. Additionally the bank changed the Closing Disclosure unilaterally 3 times in the final 2 days before closing ( ultimately removing approximately {$2500.00} in lender credits with no prior disclosure ). However, because we were already 3 days past closing, I was in a position where I had to sign the docs or risk losing the property that we had purchased. I have copies of all emails and text messages referenced below. XXXX XXXX, my mortgage banker who I first met with late XXXX, initial stated that he had everything that was required and that everything would go smoothly. Around XXXX he suggested that we could close early as the underwriter was done. While I had received a list of conditions that needed to be satisfied in the mail, he told me not to worry about them and indicated that the underwriters do n't usually need everything. Relying on this, I began to plan for our closing date of XXXX. I set up the utilities to switch under our name on XXXX and obtained property insurance to start on that date. On XXXX/XXXX/16, I spoke with XXXX again by phone to ask if he could have the bank 's loan docs to escrow by Friday, XXXX, so that escrow could arrange a notary to come to my wife and I 's current residence, so that we could sign over the weekend because we were working in different cities ( and living at XXXX places ) prior to this home purchase. XXXX said that this should n't be a problem as the loan had already cleared the underwriters. At this time XXXX emailed me to confirm this and indicated that he had contacted escrow to tell them that they would receive the docs on XXXX. On XXXX, XXXX asked me for revised gift letters and stated that the underwriter needed these. XXXX also texted that the docs would not be delivered to escrow as expected on XXXX, but that we could " anticipate signing on Tuesday or Wednesday at the very latest and we close the same day. '' On XXXX, XXXX asked for additional info related to my student loans. After this was sent he texted that " underwriter finally cleared all the conditions... I 'm pushing for them to get this out so you and your wife can sign early Wednesday morning. '' On XXXX, instead of sending loan docs to be signed, XXXX asked for me to send him {$500.00} for the appraisal via credit card as this could hold up our close further. He also requested more info about the XXXX 's insurance on the property. These requests were answered immediately. The bank still could n't seem to send loan docs. XXXX then sent a text blaming the loan processing and underwriting departments. He also indicated that they were not being properly managed. He indicated at XXXX PM that it was n't going to happen on XXXX. Finally on the evening of XXXX the bank sent closing docs. However, these docs reflected the wrong interest rate ( 3.75 % vs. 3.5 % as agreed to and stated in the prior closing disclosure ). I immediately called XXXX and his boss. They promised to fix this and were " not sure what happened. '' On XXXX, I posted messages on their social media and spent time talking to a bank manager in XXXX for assistance in escalating this. As a result XXXX called me back indicating that he would reduce my rate to 3.375 % due to all of the trouble. Finally, in the evening ( too late to fund before the long weekend- meaning that keys would not be received until XXXX and my family would have no place to live over the weekend ) loan docs generated again. This time, the docs reflected the 3.375 % interest rate but reduced the lending credit from {$3700.00} to {$1300.00}. I was not made aware of this until I was at escrow ready to sign the docs ( after XXXX on Friday before the long weekend ). As a result I had to pay an extra {$2400.00} to escrow immediately or risk losing our house. | ||||||
| 05/12/2016 | Yes |
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| To whom it may concern : I am filing this complaint against Chase Bank as I have been attempting to resolve a matter concerning an ACH withdrawal from my XXXX XXXX XXXX XXXX ( " XXXX '' ) in the amount of {$140.00} which apparently was transferred to a wrong Chase account. As a result, I have been dealing with this situation for three months with no resolution. As the chain of events are read, I 'm perplexed as there is no process in place for situations like this. I 'm certain I 'm not the first or will be the last person to be faced with this issue. Additionally, I realize the amount is minimal but at this point it 's the principle of not having a process in place and someone other than my son received {$140.00}. Chain of Events : 1. Took advantage of the process to send my son money ( a XXXX who resides in XXXX ) from my XXXX account to his Chase checking account via the XXXX XXXX vendor ( which was solicited through accessing my XXXX account ). This amount was for {$140.00} and sent on XXXX/XXXX/2016. The funds were immediately debited from my account. 2. My son accepted the transfer and completed a profile with XXXX XXXX to complete the process. 3. My son and I received notification the funds were available as of XXXX/XXXX/2016. However, when my son checked his account, the funds were never transferred as confirmed. 4. I contacted XXXX advising of the issue and was advised the funds were successfully transferred, to wait a few more days, and call back if the funds are yet to be transferred. 5. I waited and no transfer to my son 's Chase account. I called XXXX back and was advised I needed to contact Chase with tracking number, XXXX to see if they could track where the funds transferred. 6. My son and I called Chase on a conference call and explained the situation, the representative confirmed the funds did not transfer and advised they could n't help. The representative suggested to file a claim with my bank ( XXXX ). I advised I took those actions already hence the reason for the call. The representative laughed and advised I must be clear on advising my bank I need to file an ACH claim. 7. I called XXXX again and advised of the situation. I was then advised there was absolutely nothing they could do and I needed to call the vendor for resolution. 8. My son and I called the vendor on a conference call and was advised they could n't assist with a resolution and I needed to call my bank and/or Chase. I advised both actions were taken hence the reason we are contacting them. The representative then advised they would attempt to look into it but unlikely they 'd be able to assist. 9. My son nor I heard back from the vendor as advised, so I decided to send an online inquiry to XXXX requesting to open an ACH claim as I 've been going back and forth with all parties with no resolution. 10. After several online inquiries, XXXX submitted a claim with the vendor for further research. 11. A month went by without a response or resolution. I sent another online inquiry to XXXX and received a response indicating there was nothing the vendor could do and I needed to contact Chase for resolution. I advised again that my son and I went down that route with no resolution. The XXXX representative working my claim attempted to contact Chase directly but was advised there was nothing they could do unless possibly my son, myself, XXXX and Chase are on a conference call. I advised at this time with my son 's and my schedule it would be too challenging to attempt to coordinate such a call. Also, I 've spent too much time already attempting to resolve this matter with all parties as suggested. Which brings me to this point of writing a regulatory complaint for further review/resolution as I believe there should be a more efficient process and/or a process created to alleviate future cases for other customers. | ||||||
| 09/15/2015 | Yes |
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| In XXXX XXXX my husbands employer relocated our family from XXXX to XXXX. If he did not make this move with his company he would 've had to find a new job, and in his line of work that would 've been difficult. At that time we knew we were " upside down '' on our home which we had purchased in the summer of XXXX. In the interest of protecting our credit and our investment, we decided to rent the home. Unfortunately, we were only able to rent our home for approx $ XXXX LESS than what our mortgage payment was. We maintained this monthly financial burden for 20 months. Not to mention the obligation on our end to maintain a property 2.5 hours from our new home. Expecting our XXXX child in XXXX XXXX we decided that we could no longer afford the monthly financial burden and decided to list the property for sale. We listed the home for sale in XXXX of XXXX and at first we were optimistic that we would " break even '' but it quickly become clear that we were still in a negative equity situation and ultimately needed to do a short sale. At XXXX months pregnant, my husband and I spent an entire weekend working in the XXXX + degree heat to spruce up the property. Staining deck and fencing, weeding garden beds and planting new flowers, and many other tasks to get the property presentable. At that time we were also dealing with serious medical issues with our, then, XXXX year old son. He was diagnosed with XXXX XXXX in the summer of XXXX. We quickly received a lot of interest in the property and have entertained multiple offers. We have been under solid contract XXXX times. Each buyer has ultimately walked away due to the unbelievably long processing time of Chase, by not fault of ours. Every single month for the last year we have sent Chase our monthly bank statements, pay stubs and all other relevant financial information, They have all of our tax documents for the past 2 years, we have sent them XXXX RMA 's, XXXX hardship letters, multiple letters explaining our situation. Just recently I had to leave my full time job as a nurse to stay home to take care of our XXXX children, XXXX of which has chronic medical issues and requires ongoing testing and treatment. We are down to XXXX income and now our credit is being drug through mud because of how long this process has taken. We made our last mortgage payment XXXX XXXX ( which is when our renters vacated the property and was the last time we received a rent payment to apply towards to mortgage ) and are now over a year behind. Our credit was impeccable previously. We have NEVER made a late payment on our mortgage or any other debt in our lives. Every single month Chase gives excuse after excuse for their lack of updates. They have sent us countless letters introducing a new specialist assigned to our file. They even sent us a letter once stating they cancelled our short sale process as requested by us, which NEVER happened. We immediately called Chase to dispute this, as well as the negotiator helping with our case and they stated they needed some additional documentation to re-open the file and push things forward. We immediately provided all the information they requested but they still have not given us an appropriate update or pushed things along. ( it has now been 6 weeks ). Myself and my husband have both called and spoken to the escalation department multiple times, and so has our negotiator, but this has not helped. Our current buyer has been under contract since XXXX and is very close to walking away at this point. Our deal is a simple XXXX. The sales price is very close to what we owe on the house, the buyer has a substantial amount of cash that they are putting down & their financing is secured. This complaint is long overdue and our last effort to try to get Chase to respond to our request for a short sale. Their negligence to our file is unacceptable | ||||||
| 08/17/2023 | Yes |
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| Initiated an ACH payment to an employee for {$42000.00} on XX/XX/XXXX to take place on XX/XX/XXXX. His account is also with Chase. It didnt go through, so I went to the Chase branch. After answering several questions to XXXX I was told the transaction was verified and approved. The funds were released, and the transaction would take place within Monday night and Tuesday morning. Those funds were destined to pay this employees tuition, which was due on XX/XX/XXXX. The transfer didnt take place on Tuesday. I couldnt leave work, so I started my endless phone adventure. I talked to XXXX, who again, after asking me all the verification questions, told me the transaction was verified and approved and the funds were being released that same day. On Wednesday, again from my office because I couldnt leave work, called Chase because the funds had not been transferred. Talked to XXXX. Again, went through the verification and approval process and was promised my money was being transferred. No last name or phone number to call them back because they are not authorized to do that. I asked to talk to a supervisor. Not easy to accomplish. Eventually talked to XXXX. He said my money was on its way. He agreed he would call me at the end of business hours to confirm the transfer went through. I had explained to each of these people, from my first visit to the branch, the urgency to transfer that money to the point that if there were any problems with my business account I would, as a last resort, send the money from my personal account and then deal with the tax issues that would arise. Was told it wasnt necessary. By the end of ET business hours, the website showed processing, so I called again. Talked to XXXX. She said everything was alright and the money was being transferred. Explained to me that the end of banking business hours is XXXX XXXX, ET, so the money would be transferred by then. After XXXXXXXX XXXX, ET, my account showed the transfer had been canceled due to insufficient funding. That account had had over {$50000.00} for the last two weeks, so I didnt understand why it couldnt transfer {$42000.00}. I decided then to try a different way to transfer the money. I sent a wire from that same account. On Thursday morning, my account showed being processed. I didnt believe it, so I took time off from work to go again to the branch. The manager was absent, so I talked to a banker. After reviewing her computer for a while, could not explain what happened and told me to go because it looked like the wire was going through. I told her that wasnt enough. I needed to know why I have no way to trust MY money was going to where I was sending it in a timely manner. I explained that although I was being very courteous, I was extremely upset and demanded a response. By now, my payment was overdue. I had told my employee and, he told his school The money is being transferred as we speak Monday, Tuesday and Wednesday. Who would believe we were being truthful when you are talking about a domestic transfer between two accounts of the same bank? I am a foreign-born American citizen, with a strong accent. Was all that unsuccessful verification and disregard for my sense of urgency due to my accent? What do you think the people hearing me say the money is on its way thought? I was directed to a different employee. She talked to several people. Eventually, she said the wire went through. We have no explanation to what happened. Basically your money was transferred ( three days later through MY changing strategies, not theirs ), get over it. I read several complaints against Chase in the XXXX page. Chases response is something like we have already responded to the customer in letter on such date. I can tell you right now : Today I received an email from Chase saying the wire went through. Far from relieving the pain they caused. | ||||||
| 03/23/2022 | Yes |
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| On XX/XX/2022, I received a {$20000.00} check ( " Payment '' ) from my client as partial payment for services rendered. The check was from XXXX XXXX XXXX XXXX ( " XXXX '' ) held by my client 's business and made payable to my business. That same day, I attempted to deposit the Payment in my JPMorgan Chase Bank , N.A . ( " Chase '' ) business checking account at a branch in downtown XXXX, XXXX. Chase provided a transaction summary that stated " checks within this deposit may not be paid because of information we've received from the paying bank or due to information we have within our systems, '' i.e., XX/XX/2022. Upon learning about the hold, I asked to speak with the branch manager to see about removing the hold. The branch manager suggested a split deposit and it was decided that {$17000.00} would be deposited in my Chase business account and {$2500.00} would be deposited into my Chase personal account. Again, Chase provided a transaction summary, this time showing that the funds will be available on XX/XX/2022, or XXXX additional days than the original available date. The branch manager then apologized for the hold, handed me XXXX of her business cards, and assured me that she would speak to Chase 's Banker Support Department and XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 about releasing the hold on the funds. She also asked if I could ask my client to provide me with his XXXX " relationship banker '' so that Chase could confirm that there were sufficient funds held by my client 's payor bank. On XX/XX/2022 at XXXX AM, I emailed Chase 's branch manager stating : " Good morning [ branch manager ], I spoke with my client, and he stated that he does not have a personal banker that he deals with, only that he mainly banks at the XXXX XXXX. Their number is ( XXXX ) XXXX. The check was written from his ' [ Business Name ] ' account. Also, when I first deposited the check, the hold was set to expire tomorrow ( XX/XX/XXXX ) but after we did the split deposit the hold was extended beyond XXXX to XX/XX/XXXX, which in my opinion is unreasonable considering todays technology. Is there a way that you can assist me with getting access to my funds so that I can start to get back on track? '' Later that day, Chase 's branch manager called me and informed me that she had spoken with XXXX 's XXXXXXXX XXXX manager and confirmed that there were sufficient funds in my client 's account to cover my Payment. She also asked if I could provide her with my client 's contact information so that Chase could confirm with my client that he had in fact issued me said Payment. On XX/XX/XXXX, I received a third call from Chase 's branch manager who expressed her frustration because despite ( XXXX ) having confirmed with my client that he had in fact issued the check ; ( XXXX ) Chase contacted my client a second time to request additional and personal information ( which he had no duty to provide ) ; and ( XXXX ) although Chase has received final payment from XXXX stating that the reason Chase would not remove the hold is because the phone number on the check does not match the phone number 'listed ' for my client 's business. However, there is no phone number on the check ( other than the payor bank 's number ) and my client informed Chase that he has never used any other number other than the cell phone Chase was calling him on. Chase also requested that I contact my client and ask him to visit any Chase branch to show two forms of identification before Chase would release the funds to me. A request that is not only discriminatory but also unreasonable considering that Chase now has custody and control of my Payment and there is no risk of loss to Chase. As of the date of this complaint, Chase is still in custody and control of my Payment in violation of the Expedited Funds Availability Act and Uniform Commercial Code. | ||||||
| 11/23/2016 | Yes |
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| I had an enormous amount of fraud done to my Chase checking account back in XXXX. I had my debit card in my possession, so my debit number was used as a VISA Card on the internet. Chase never sent me an affidavit to fill out & the claims department divided up claims per the statement. Chase gave me provisional credit, and sent me a letter for each XXXX stating such. The second page of each letter listed the fraud transactions and at the bottom it stated ... '' MORE TRANSACTIONS DISCLAIMER. '' When I went back over each individual transaction, which took forever as I had to get statement printouts at the branch because I had no access to my old statements once I opened a new checking account, there were numerous missing. The claims department seemed to not include any transactions from XXXX/XXXX/16 to XXXX/XXXX/16 even though the first fraudulent transaction found/reported was on XXXX/XXXX/2016. I was shocked since all the fraud came from the same couple of merchants. I immediately contacted Chase to inform them that a chunk of time was missing and I was told that additional charges can not be added to claims already in process. I was advised to wait until the current claims were closed, and then if deemed fraudulent to call back Chase right away and they will open a claim for the charges Chase forgot to add. As since this was an error on Chase 's part it would be easier to see outcome first. On XXXX XXXX, 2016, I want into the branch as finally I had confirmation that all the transactions were fraudulent and all temp credits were final. The branch manager ( XXXX XXXX, who is absolutely wonderful ) actually did all the leg work in his office with me. The senior specialist got on the phone with me at the end, and reassured me that this was be an easily and quickly resolved. He also apologized to me on Chase 's behalf for the error and that he clearly saw the merchants were the same ones that Chase had deemed as fraudulent. Well, since XXXX XXXX, I have sent XXXX affidavits, and talked to countless clams reps. I received an email from Chase on XXXX stating a temporary credit had been added to my checking account, but nothing was added at all. Then on XXXX I received a letter from Chase stating that my account had been credited, and once again nothing was done. I have called Chase XXXX department numerous times and have been told that a HUGE system glitch that was preventing customers from getting credit ; I have also been guaranteed countless times that my account would be credited within XXXX. Now I find out that Chase wants to close my account, which is fine as I was leaving anyway but the latest is they are sending me a check in the mail. As of today, XXXX I went back to the branch manager and he confirmed that my account is still open for normal use and will be for another 10-days. He called a senior specialist at the claims department and was told that a check will be sent to me on the XXXX for the amount on the claim. I have not received any provisional credit even though Chase emailed me and sent me a letter confirming that it was added to my checking account. XXXX XXXX XXXX. XXXX Procedures for resolving errors, and the Chase Cardmember Agreement are not being followed regarding provisional credit within 10-days if claim is still being investigated. Why has Chase not given me a provisional credit? Yes, the transactions are past 60-days but I am following Chase 's instructions as the original claim was in time and Chase would not fix their error in reporting the fraud because that was not allowed. And even though my account is set to be closed in 10-business days, it is NOT closed now. Also, I called XXXX today and they conferenced in Chase claims department. After speaking with them for over 15 minutes, the XXXX rep was in shock. He immediately started a complaint case, XXXX case # XXXX. | ||||||
| 06/25/2015 | Yes |
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| In XXXX of 2015 I called JP Morgan Chase Auto Finance to make a payment on my car loan. When the representative answered the phone she informed that that my payment was not due until XXXX XXXX, 2015. This was not correct as my payments are due each and every month on the XXXX of the month as it has been since I took the loan out when I purchased the car. Furthermore, the amount that I was told was due was more than my normal payment as agreed to. When I inquired with the representative as to why I was told that it was because I had paid late. This statement did not make sense as because I have not paid late since the beginning of loan. When I challenged the representative to look at the account history, she because calling out the payment dates and amount XXXX at a time in an incredibly condescending tone. I interupted her and again asked why the payment amount was different because as she unprofessional handling of call confirmed that I have never paid late on the loan. She was not able to provide me with the reason as to why the amount was different then what I had agreed to on the loan. When I stated that I needed to know why the amount was different and realizing that she was going to be able to provide me with the information I requested I escalated the call to a supervisor. Instead of transferring me to a supervisor I was transferred to another agent which handled the call in a very similar manner. Not wanting to deal with that level of disrespect and unprofessionalism I ended the call and called back in hope of getting someone with my best interest at heart. The woman that I spoke to, the thired representative now, was able to determine that the reason my payment was not due for another month was because the amount that I had been paying to have applied to principal had instead been placed in suspense until it equaled a full payment amount then being credited to the account as a payment. Her resolution to help make up for the fact that I had been treated so poorly was to leave the payment date of XXXX alone and take a payment equal to the amount that I had a history of making on time ( which she was also able to confirm that the payments were made on time ) and applied it in it 's entirety to the principal of the loan. Today I called Chase to see if another issue that I am facing would affect the method of how I pay my loan. Initially the call started with the normal verification and the agent on the phone was able to provide me an answer to the question I had called for. This is where things began to go drastically in the wrong direction. I told the agent on the phone that I would also like to make a payment since the loan was due today and I had her on the line. She stated to me that my payment was not due until XXXX. I stated to her that she was not correct and that the last payment was taken an was to be applied to the principal of the loan repeatting the information above mentioned. This representative then began conducting herself in exactly the same manner as previously experienced and mentioned above. I requested to speak to a supervisor. Instead of facilitating that, she instead transferred back into the queue for another agent to take the call. When that second agent answered the phone- XXXX XXXX she went through the verification process again which was expected. When she completed the process I explained to her that I needed to speak with a supervisor. She stated that she would like to assist in resolving the issue. Very upset at this point, and lacking total confidence in Chase Auto Finance I stated that I would rather speak to supervior. She continued to attempt to deescalate the call, but I was firm in my position to which she then transferred me to a " senior agent '' XXXX- XXXX. Unfortunately there is not enough space to finish this entry ... ... .. XXXX character is not enough. | ||||||
| 03/23/2021 | Yes |
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| IN REFERENCE TO 2 COMPLAINTS FILED WITH CFPB AND FDIC ON XX/XX/XXXX WITH COMPLAINT ID XXXX AND COMPLAINT ID XXXX RELATED TO ACCOUNT NUMBERS XXXX and XXXX. PLEASE DO NOT CLOSE MY COMPLAINT AGAINST CHASE UNTIL THEY ACTUALLY DO WHAT THEY ARE SUPPOSE TO DO. A RESPONSE FROM THEM TO CFPB HOLDS NO VALIDATION. RECEIVED A RESPONSE THROUGH CFPB FROM CHASE CLAIMING THEY TRIED TO CONTACT THE MAKER OF CHECK ( THEY DID NOT ), ACCOUNT PLACED IN SUSPENSE UNTIL THEY CAN VERIFY ISSUANCE OF THE CHECKS FROM THE MAKERS ( Chase received the funds for these checks from other bank on XX/XX/XXXX and XX/XX/XXXX ) then froze the account and would not tell me why nor did they send me any documents regulated by REGCC, And did not provide any response until the above mentioned complaints were filed through FDIC AND CFPB. In this response dated XX/XX/XXXX, chase stated to have funds released, I needed to call the listed number and they will contact the maker of checks or we ( the maker and I ) can visit a branch with 2 forms of ID each. After receiving it around XX/XX/XXXX or so, I called the number as instructed and gave the employee the contacts number since the bank previously said they had no way to contact the maker ( prior to my first complaint ) and refuse to contact the maker when I tried to give chase the number then. The first employee kept saying the number for the contact is not working which there were no attempts to call the maker as we were sitting next to each other at her business. I then contacted the executive office that is listed on the response letter and spoke to an executive that was assigned to my case who informed me to call the first number back and update the contact info for the maker and that employee needs to contact the maker while Im on hold and also informed me that if that employee refuses then to have them connect him on the call for instructions. So I called them again, and same situation, they were calling some number that does not belong to the maker of the checks and refused to update the information I provided as instructed. This male employee also refused to connect the executive claiming that there is no one there by that name nor can he connect to them. Instead he put a manager on the phone who placed me on hold for almost an hour and came back on the line acknowledging that I was still there and that she can hear me and vice versa until she started her lies saying there is nothing g they can do and then started acting like she could not hear me and kept repeating this lie like I was not responding but clearly she acknowledged to hear me before her lies started. All of this including actual names can be seen in my feedback to the FDIC AND CFPB on XX/XX/XXXX. On XX/XX/XXXX : the maker and I went to the branch located at XXXX XXXX XXXX XXXX IN XXXX LOUSIANA and they verified both our identity as well as verified that the maker did issue the checks and was informed that the funds would be released to me by check sent to my listed address to arrive within 7-10 business days. I clarified this due to chase telling me this before in XXXX and didnt send it. Well today is XX/XX/XXXX ( 14 business days ) and I have yet to receive the funds by check or whatever. The banks response to my federal complaint has no validation nor truth to what they did as they have refused to do what they said they would, gave me the run around, and lies after lies. This was never fraud on my part as chase claimed initially but failed to issue me a REGCC and now that everything has been clarified and verified by them, I still have not received the funds. This is fraud on the bank in attempt to keep my funds for whatever reason. I need my money and everyone with the exception of the Executive needs to be punished for this on all levels. All names are listed in my feedback to the companys response with FDIC AND CFPB. | ||||||
| 01/01/2017 | Yes |
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| On XX/XX/XXXX, I purchased a scooter from a scooter dealer named XXXX XXXX. XXXX XXXX of XXXX delivered the bike to me the evening of XX/XX/XXXX. As he removed the bike from his truck he mentioned it was making a noise when he test drove it, but since the bike had a 2 year warranty, to drive it and see if it would work itself out. He was not gone 20 minutes and I notice a cable dangling from below the bike. I snapped a photo and sent him a text asking him if this was supposed to be hanging like this. He never responded, so I pushed the cable up inside the bike with my hand hoping it went where it was supposed to go. The same evening I notice the bike making a terrible rattling noise. I took a video and sent it to him and his reply was " get some electrical tape and tape it up to muffle the noise '' I decided to call him the following day ( Thursday, XX/XX/XXXX ) and he begins insulting me and telling me to " just drive the XXXX thing XXXX-XXXX miles before I call him. '' He says that I am seeking perfection and I am not going to get perfection from a plastic scooter. The following Saturday, XX/XX/XXXX, we contact XXXX XXXX again and this time he begins to threaten us with saying that he is an XXXX and does not take any " XXXX '' - we are in disbelief that we are being treated this way. On Monday, XX/XX/XXXX, I decide to contact Chase and tell them what is transpiring with this merchant. Chase recommends that I have the bike delivered back to the merchant. I contact a professional motorcycle towing company and pay then {$180.00} to have my bike re-delivered back on Thursday, XX/XX/XXXX to the merchant per Chase 's recommendation so that they can apply a charge back. The merchant went ballistic and threatened to slash the motorcycle towing company 's tires who were hired to deliver back the bikes. The same day, I receive an email from this merchant saying that he now has my bike and will be charging me $ XXXX day plus additional fee 's and will not release the merchandise until it is picked up in person with all fee 's paid, and also threatens to put the bike in the city pound. He very well could have chose to look at the bike while he had it now back in his possession, but instead decides to be ugly and hold my bike hostage after he received Chases back charges. After the merchant has his bike back, he continues to send me threatening emails. I continued to send Chase every email he had sent to keep them informed that he was holding the merchandise for ransom. After the bike is now back with merchant, Chase sends me a letter telling me that they now need a 2nd opinion letter on the merchandise in order to continue the dispute. I explain to Chase that the merchant has chosen to be ugly and will not release the bike for a second opinion. I After all, the bike was sent back because Chase asked me to send it back to the merchant. Although, Chase was well aware that the merchant was not going to work with me nor give me back my bike, because I can not get a 2nd opinion letter for my bike Chase reverses the charges back to my card so now the merchant has my bike and i am out {$3300.00} for merchandise I do not have. I am at a total loss and find it very difficult that Chase can not see the position that they placed me in when they asked me to return the bike and not expect me to pay for something I do not have. I refuse to pay for something I do not have. The bike was never registered in my name, I have no title, I have no contract from this merchant. I merely have a sales slip for my purchase in the amount of {$3300.00}. After doing additional background research on this dealer, I learn he is a convicted felon - and to be honest I am now afraid to confront him for my own safety. In summary, Chase Bank should have told me initially that a 2nd opinion letter was needed before they told me to return the bike. | ||||||
| 11/23/2015 | Yes |
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| I have contacted Chase many times over the months with regard to this complaint with no resolution. I have had accounts with Chase for 15 years which I will attach here and with perfect credit and on time payments. Chase sent me an invitation for a new Slate card which I accepted with a credit line of {$5700.00}. I had a total credit line through Chase for {$27000.00}. Chase placed a 30 day late payment from me Slate card on my credit reports which I am trying to get removed. I have always paid my bills on time to Chase. This incident was not my fault as I never received any notification from Chase via paper or electronic statements. I informed them of this at the time and they were kind enough to credit the {$25.00} late fee and they understood the situation. Months later I found out that they placed a 30 day late on my credit reports which I am now trying to get removed on account ending in XXXX. After months of trying to get this resolved I became very frustrated and upset with Chase and ended up closing all my accounts with them which I knew would take a hit to my credit. After taking a breather I reached back out to Chase to ask if they would reinstate my XXXX Marriott Chase account as I used this account a lot for business but also stated they could keep the other accounts closed. I was then denied credit for my Marriott account which made no sense to me when my credit was perfect. So I reached out to Chase again only for them to inform me I had delinquent credit through them from year 2000. I had no idea what they were talking about and asked them if this was really the case why in the world would you issue me credit after the fact with a total credit line of {$27000.00}. I then reached out to the Chase Executive Office to figure out what was going on and received a call back. Chase then agreed to reinstate only my Marriott account but not any of my other accounts. I only asked for the XXXX account to be reinstated so I was okay with that. It still however makes no sense and seems to me there is some sort of discrimination going on here when not offering me my credit back. I have been in banking for a very long time, working at XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and holding positions of Credit Manager, Credit Supervisor, Officer, VP, Underwriter, Accountant of Treasury Control and have never seen or experienced so much misunderstanding and inconsideration by any financial organization like Chase. I have credit through many banking institutions, all of which would understand a situation like the XXXX I have with Chase that I am trying to get resolved but Chase just rubs me off saying they can not do anything which with my banking experience know this is an incorrect statement. I also had a {$9500.00} balance on my Marriott credit card account which now that Chase reinstated the account for me I paid off in full which now has a credit balance of {$52.00}. My question to Chase is this, why would I after 15 years of being a customer of Chase have XXXX 30 day late payment unless I was unaware of proper communication from Chase? If I had a late payment to Chase then why did n't Chase contact me with a letter or a call from customer service like most banking institutions do for notification? If this was really my fault then why did Chase credit my late payment and recognize and apologize by phone that I never received any statements of notification? I had this Slate card for over a year and never had a late payment. I had other cards up to 15 years with never a late payment. I am only asking that Chase recognize the possibility that maybe just maybe this was not my fault and it is possible I was never notified in anyway of this situation. I would ask that Chase take this into consideration and please remove the 30 day late off my Slate account ending in XXXX. Thank you | ||||||
| 08/13/2023 | Yes |
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| I got XXXX checks from my lawyer for settlement, XXXX is {$43000.00}, XXXX is {$60000.00} and another one is {$7400.00}. I deposited XXXX checks ( {$7400.00} and {$43000.00} ) on XX/XX/XXXX and Chase approved them and I got money on XXXX. On XXXX, I deposited another check for {$60000.00} in a Chase branch. However, on XXXX, I found that I can not do anything with my account and there was a restriction for my account. I called Chase and asked why, they told me that they need to verify it, I provide them with the Law firm 's office number and someone told me that they needed to verify with the maker 's bank and make sure the money is clear and hopefully the restriction would be removed on Monday. On the next Monday, I found that the restriction still exist and I called Chase again. Chase said that they needed to verify with the maker so I provided both my lawyer 's phone number and office number to them. Actually I called Chase a lot of times, some specialists told me they couldn't reach out to the phone number and the phone call was sent to voicemail box. Some specialists told me that the numbers I provided couldn't be verified by the risk system. I contacted with my lawyer, he told me he only had these XXXX numbers for this business he didn't know why they didn't work and he said Chase could reached out to him and he was willing to help them with this issue. I called Chase many times but they just told me they couldn't because they could only reached out to the numbers linked to the business. Also on XXXX, my lawyer told me he checked with his bank and the money was sent to Chase alreay. Then I found that my check was not pending but just on hold. In the next whole week, I contacted with Chase everyday and wanted to resolve this issue, but it seems like they didn't want to do that, they just told me my number couldn't be verified and they had to contact with both maker and the bank to make sure money clear, and they told me that they hadn't not deduct money from the maker 's account yet because they didn't verify it. But my lawayer told me the money already sent to Chase. I was so depressed because I can not use money from my checking account and the debit card is my only XXXX debit card. On XXXX, I called Chase again and a specialist was very nice and told me the office number I provided worked. Then he contacted with the office and told me the check had been verified by the office. He said he needed to submit the request to his boss and maybe my account would return to normal on Friday. However, it didn't. In the morning of XX/XX/XXXX, I contacted with Chase Fraud team again, a specialist told me that my request for the verification has been rejected and they have to verify with both the maker and the bank to make sure the check is clean then they will release it. I feel very confused because My lawyer and his bank said the money already clear and sent to Chase and It has been a week since restriction, it seems like that they didn't do anything for the check. In the afternoon of XX/XX/XXXX, I went to a Chase branch for assistance. A banker called the team again and someone said that that's because my lawyer 's law firm has long history so maybe the number they use now is not the original one for registration. My banker told me that they may close my account on XX/XX/XXXX if the check couldn't be verified. It's not my fault right? How can I get the number may not be used anymore? Why should I take all the responsibility for that? I used Chase since more than 5 years and I never did anything risky. I know maybe their system is strict but the check is obviously clear ( they just put my check on hold ). How should I do? I can not even sleep well everyday. I tried a lot of times to deal with this issue with Chase but they didn't help me, they just told me oh we couldn't verify it, that's it. | ||||||
| 01/22/2021 | Yes |
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| On XXXX XXXX I called the chase.com/United # XXXX on the back of my Chase credit card. I explained that I was interested in opening another Chase/United credit card. I was told Chase does not permit it's customers to hold two cards of the same type ( Chase XXXX XXXX XXXX ) & in order to open a new account, I needed to close my existing acct. I authorized the Chase employee to close my existing acct. I then proceeded to apply for a new acct. Chase 's system kept getting hung up & was unable to process my application. I called Chase to alert them to the problem I was experiencing. I explained that to get to the online application their system asked for the last four digits of my acct # ( I couldn't bypass this inquiry so I gave them the last four digits of my closed acct ) when I submitted the last four digits of the acct I had closed I was told the acct had been closed & then allowed to advance to the application. Chase 's system kept getting hung up & when I called Chase again I was told to try again later when it might not be as busy. Since the process was getting complicated I asked if my application was submitted before XXXX would I be entitled to the benefits available up until that date. I was assured yes I would, even if the application was not approved before XXXX, if my application was submitted on or before XXXX, I would get the benefits advertised by Chase for that time frame. I tried to apply again later that evening, got the same info saying my old acct was closed & experienced the system moving me to the application which then in turn would not process when I tried to submit. The next morning XXXX I went to Chase.com attempted to apply for a new card, was told my old acct was closed, the system advanced me to the application which I was able to successfully submit. I was thanked & told I would be hearing from Chase. Late in the day on Friday the XXXX of XX/XX/2021, I received a letter from Chase saying, " We're sorry, but we did not approve your request. Our decision was based on the following reason You already have this type of credit card account with us. The last four digits of the existing account are_ _ _ _. On Monday XX/XX/XXXX I called Chase & was told that although I had been repeatedly told by personnel as well as their online system that my old acct was closed because it still had a balance it was still considered open. My intention was to pay the bill, as I always had, when it arrived in the mail with my online bank acct. I said if I had been correctly informed of their needing payment prior to the new application, I would have given my debit card acct # to the person who closed the acct on XXXX to satisfy the bill. I stated that I could pay the balance in full immediately but that I wanted my application of XXXX resubmitted & I wish for it to carry with it the benefits offered up til XXXX. I was told, " I apologize you were misinformed, we are willing to take payment from you for the balance on your old account but can not resubmit the XXXX application or extend the benefits you seek. '' Chase offered to reopen my closed acct as well. I declined. I called the office of the Oregon Attorney General XXXX XXXX & was referred to you. Today, XXXX, I called Chase. I said I had contacted my Atty Gen 's office & was going to submit a compliant to CFPB. I asked if they would reconsider their decision. This time I was told their system sometimes doesn't pick up the cancellation of an account in a timely manner. I don't understand this because their very same system kept telling me my acct ending in_ _ _ _ was closed. Again, I got an apology that their system had failed me but no satisfaction. I feel their treatment of me was horrible & I hope with your intervention they will act in good faith to restore my XX/XX/2021 application along with the benefits it carried at that time. | ||||||
| 02/06/2016 | Yes |
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| Chase is sending a letter in their resolution to my complaint stemming over 5 years with them and now referencing regulation X as their reasoning when they have never mentioned before. I have reviewed regulation X and they have clearly violated. their documents submitted are altered forms and do not match my originals first off! noted reg X to try and hide behind it for their fraudulent foreclosure they did. they started foreclosure before 3 months on my account and the 3 months past due was due to their mistake. They took the lump sum pmnt made to the refinance dept used for them and removed from my acct made it look like escrow in default 3 days after new loan started. then XX/XX/XXXX put it back in and claimed at that point they accelerated foreclosure already so I would have had to reinstate acct at that time according to foreclosure review they made linked on old complaints of mine. just review their responses they are all over look at my other complaints CFPB! never disclosed this during process of taking my home and my documents prove they actually violated reg X!. they have sent CFPB XXXX copies of same harmon law letter but FAIL to include the one sent to me in XX/XX/XXXX from attorney at harmon law that threatened removal by sheriff where is the documents from harmon law as well stating in foreclosure while making pmnts to Chase and told loan was in good standing! how would I as a consumer know they were doing what they were doing if I had to call in my pmnts for new loan because they had n't began to send proper statements and disclosure to me yet and phone reps told me acct was fine. they continually fail to provide proper documentation to FCPB to my complaint. when rep couldnt get pmnt to post on XXXX pmnt said something is seriously wrong here. Chase has also stopped resolution each time I state a figure they request from me as they have NO intentions of settling with me yet state on letter I have not responded it is a blatant lie I have contacted all XXXX attorneys they assigned and each was told my responses. Also, the documents sent to me XXXX are the altered transaction compared to the originals I have direct from chase in XX/XX/XXXX and XX/XX/XXXX requested from them. They have removed the foreclosure fees, attorney fees, late charges and misc fees all charged during both pretrial and final modification timeframe. they also state on letter they never received a complete loan modification timely from me prior to foreclosure sale?!! they are seriously messed up in their depts. this whole issue is pertaining to XXXX depts within chase monitoring my acct XXXX had bad WAMU info following after their takeover other was monitoring my new loan with them. even their executive office cant get their act together! why has n't CFPB done an investigation at this point. the extent of errors on this XXXX loan is disgusting never mind what they must have done to so many other consumers such as myself. Chase offered resolution of XXXX conveniently close to amount they took from my acct as a duplicate deposit and was my money sent during pretrial to qualify for modification and go into escrow then removed the amount causing deficit that was the basis of their holding all my pmnts made in a suspense account in a loss mitigation dept while I was told all was ok with my account and no statements or disclosure sent to me only statements with bankruptcy info which I was not in!! I refused the XXXX settlement and asked by attorney XXXX XXXX ( as well as same process with other XXXX attorneys ) what did I want to go back to Chase with I stated same as before the amount they stole, value of my home last appraisal at XXXX!! they then sent letter stating i refused offer and find they have no fault. as I stated before I will continue complaints and CFPB should be doing reasonable investigations into their acts | ||||||
| 05/27/2015 | Yes |
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| In XXXX my ex-fiance and I were purchasing a new home where Chase was the preferred lender that worked with the building 's sales team. During the underwriting process the onsite Chase representative asked us to provide a fraudulent lease contract for a home that I owned which we planned to lease upon moving. He said we could just get a friend to sign a lease so that underwriting would n't have to worry about that on my credit. We told him that we both have security clearances and would feel comfortable doing so, then asked to speak to the regional VP for chase to resolve the matter. The following week we met with the regional XXXX for Chase and the developer for XXXX XXXX XXXX XXXX XXXX. During the meeting both the VP for Chase and developer agreed that what our Chase representative suggested was inappropriate and the VP of Chase offered to personally ensure the loan would move forward without any further troubles. He said we may have a higher rate, but could always refinance once I 'd sold or rented the property in question. Roughly a year and a half later we called Chase to explore refinancing our loan. Chase told us that they could n't refinance at the time, but to follow-up again in 6 months. We called other lenders who told us that because of the type of loan that Chase had put us in, we would not be able to refinance with them. We were told that the XXXX loans that we currently had limited our options and that most likely only Chase would work with us because the loans were " unconventional ''. 6 months later my ex-fiance and I parted ways and called Chase back to see if XXXX or the other of us could refinance the loan and update the title at the same time. We went back and forth with Chase for 3-4 months and could never get a straight answer on how to refinance our loan and update the title. About this time we began to see the housing market really taking it 's toll on our building and decided to put the home on the market to see if we could sell it and just move on separately. Our house was listed with several agents over the course of 6 months or so and never received an offer, after several price decreases. The price was now well below what we had paid and we were beginning to worry about the financial burden, given Chases lack of response to refinance. In XXXX my company transferred me to XXXX and my ex-fiance had already left the XXXX area. We were forced to rent out the home at a loss and assumed we could try and refinance after financial markets settled down. I moved back to the XXXX area in late XXXX and moved back into the home to minimize our losses. My current wife was XXXX with our son in XXXX which forced us to look for a home with more than XXXX bedroom in XXXX. Again, we called Chase and asked about mortgage modifications, refinancing assistance programs, you name it ... but the answer was that we could not take advantage of any of these programs because of the loan that Chase had put us in. In XXXX my wife was laid off and my ex-fiance could no longer sustain the financial burden from this home. My ex-fiance called Chase to explore options and was told that since we were n't late on our payments that it was unlikely we would ever receive assistance. She consulted a short sale expert who said that Chase was known for this, so we stopped making payments to explore the short sale option. Chase finally started responding and we completed a short sale. Now, Chase has placed the late payments on both our credit reports after having initiated this whole problem in XXXX with their request to provide fraudulent paperwork, then exacerbated the problem by giving us advice without explaining the actions they would be taking to damage our credit. I would like to pursue an amicable solution to remove this from my credit or will be contracting with an attorney to explore legal action. | ||||||
| 07/09/2015 | Yes |
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| My Chase XXXX card was duplicated charge due to investigation error for the dispute. The dispute for the charge was initiated on XX/XX/XXXX since merchant did n't ship my order placed on XX/XX/XXXX on his promised shipping date. So this charge is invalid. However Chase investigation was extended to the activities after XX/XX/XXXX. Chase only took into account that merchant has shipped his product on XX/XX/XXXX, but ignored the fact that I had made payment for this purchase on the same day. About XXXX billing cycles passed since the dispute, I did n't heard anything from Chase about dispute. on XX/XX/XXXX Chase sent a letter and stated that the charge on XX/XX/XXXX is valid. I was asked whether to continue to dispute this charge, I submitted documents to prove that I paid for my purchase. On XX/XX/XXXX, the card service department person still argued that I should pay for my XXXX purchase. There is no such thing as XXXX purchase. I only made purchase once and had made payment, which is well documented. The duplicated charge on my card is the result of unfair investigation. It is not the result as Chase card services explained as " merchant processed duplicate transactions ''. Chase creditor should not transfer XXXX charge into my account. Chronological record of dispute and transection:1. XX/XX/XXXX XXXX charged me {$3600.00} XXXX and promised to ship my order by XXXX. XX/XX/XXXX XXXX had no word regarding to my ordering status, and my monthly payment due date was approaching XXXX XX/XX/XXXX XXXX, I sent emails and made calls, did n't get replying from him. 3. XX/XX/XXXX : XXXX replied and promised to send tracking number " tomorrow '' which was supposed to be XXXX. XX/XX/XXXX : XXXX still could n't give the tracking number, which was one day before my payment due date, I asked for the dispute over the charge made on XX/XX/XXXX. Bank temporarily removed {$3600.00} from his account. At this point the charge is invalid since merchant did ship his merchandise to me. 5. XX/XX/XXXX : XXXX emailed tracking number, I made online payment for my purchase {$3600.00} XXXX XXXX ). He acknowledged that he received payment. 6. XX/XX/XXXX : before receiving my online paymentXXXX requested credit since the disputed funds was removed from his account. I authorized his charge {$3500.00} & {$180.00}, which reected total owed.for the merchandise {$3600.00} XXXX XXXX ). 7. XX/XX/XXXX XXXX realized that he charged me twice and performed refund on one of my payments, which is documented in his bank statement. 8. XX/XX/XXXX : my card balance is XXXX, which means I paid for my purchase, XXXX received payment and refunded his duplicated charges. 9. XX/XX/XXXX : Chase sent a letter and indicated that disputed amount will be in my next billing statement. 10. XX/XX/XXXX : I faxed back a letter indicated I wish to continue to dispute this charge, associated with the proof that I had paid to XXXX on XX/XX/XXXX after receiving the tracking number. 11. XX/XX/XXXX : billing statement showed {$3600.00} charge on my credit card12. XX/XX/XXXX : a letter from Chase states " we understand that you are asserting that merchant processed duplicate transactions and the merchant has promised to credit. '' This is a misleading statement. Merchant did processed duplicate transactions, however merchant did credit to his duplicated charge back to my account on XX/XX/XXXX. The duplicated charge is from the release of the temporary credit by Chase back to the merchant. 13. XX/XX/XXXX in Chase branch, through phone talked to card service department person, who insisted that I purchased twice and that is why I was charged XXXX. This is totally baseless. 14. XX/XX/XXXX,XXXXXX/XX/XXXX : discussed with card service executive XXXX She said Chase lost dispute to XXXX XXXX, that why the charge is on my account, which is unreasonable answer. | ||||||
| 05/06/2020 | Yes |
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| Issue : Chase deposited and cashed a check made out to three parties with only one endorsement, when the check required three endorsements. One of those endorsements, my signature was not on the check, and Chase bank has not refunded me my money that was deposited into another account, XXXX XXXX XXXX account Number XXXX. XXXX XXXX XXXX XXXX XXXX Tax ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I have been economically damaged, and request any and all assistance to resolve this matter and make me financially whole. Please investigate. On XX/XX/XXXX, my wife, XXXX XXXX, received a check from XXXX XXXX for roof damage insurance claim at our home at XXXX XXXX XXXX, XXXX, TX . XXXX, for {$8000.00}. The check, check number XXXX, was made out to my wife, myself, and our mortgage company, and needed three endorsements in order to cash it- The mortgage company, XXXX XXXX , was the first name on the check and after verifying with them, XXXX XXXX told me that they needed to stamp the check, it was also made out to me, XXXX, and it needed my signature, it was additionally made out to XXXX XXXX , and needed her signature. She handed over the endorsed State Auto check with only her signature to XXXX XXXX XXXX. XXXX XXXX deposited the check into their CHASE account # XXXX, when the check did not have an " or '' designation, and therefore required all three of us to endorse the check. Once I found out about the check without my signature, I contacted the Bank and the Insurance company. Chase bank basically said that they did nothing wrong. But, I have been deprived of money that belongs to me through their accepting and cashing and depositing my money into XXXX XXXX XXXX account Number XXXX. XXXX, XXXX, XXXX Contacted the issuing bank for the check in question, XXXX, and they recommended I contact my insurance company to investigate. Which I did. Contacted the insurance Company representative, XXXX XXXX to report the fraud. He concurred that XXXX XXXX needed to have endorsed the check since they hold our mortgage on the property. XXXX CARE Associate XXXX XXXX XXXX Companies PhoneXXXX XX/XX/XXXX reached out to XXXX XXXX and they said they did nothing wrong. XX/XX/XXXX Tried to set up a time to see The Bank Branch manager, XXXX XXXX where the check was deposited and credited to XXXX XXXX XXXX 's account, and she would not see me, just left me a voicemail message after I called her to inquire about the issue. I filed a complaint with the Chase executive branch consumer complaints department regarding getting no satisfactory answer from the Bank manager, XXXX XXXX. XX/XX/XXXX. Called XXXX XXXX, the Bank Manager where the check was deposited and sent her an email since she only called me back and left me a long voicemail. " Per your voicemail I called the issuing bank XXXX, and they recommended I contact my insurance company to investigate, as well as file a complaint with your executive branch consumer complaints department. I have done both, and Chase has escalated the complaint, or so they tell me, but I doubt it. Furthermore, I am filing a complaint today with the Consumer Financial Protection Bureau, since both you and XXXX XXXX are passing the proverbial buck. It seems that from a compliance perspective, your internal checks and balances are insufficient to protect your customers monies ( I keep well over a {$50000.00} balance in my accounts, which I will be moving to your competitor ). Im out a significant amount of money, & I plan on filing a complaint with the attorney general to investigate how an innocent client of yours has unjustly been deprived of his money. '' XX/XX/XXXX Today I tried to get resolution from XXXX XXXX XXXX and spoke to the owner to try to get a resolution, and told him the situation, and he told me that they have done nothing wrong. | ||||||
| 09/03/2016 | Yes |
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| I received a coupon in the mail from Chase for {$300.00} when opening a new account and setting up direct deposit. After consideration of friends ' positive experiences with the bank, I decided to try it. The first red flag I encountered while opening the account was when Chase blatantly refused to accept my valid drivers license, social security card, and/or valid work authorization card as proofs of identification, all because of my " XXXX. '' I should have given up then. Instead, I followed the banker 's advise of getting a " XXXX '' from the XXXX ; a document I will never have another use for except fulfilling Chase 's XXXX requirements. {$27.00} dollars and two weeks later, after receiving the only form of identification they would accept in the mail, I went back into the same branch and spoke to XXXX. While setting up the account, I told her I was a XXXX for XXXX and received my direct deposit payments from them almost on a daily basis. She said she was familiar with the company, as she had assisted other people with the same work situation. The account was opened on XXXX XXXX, and immediately I transferred my direct deposit information from XXXX XXXX to this new Chase checking account. The first deposit of {$0.00} came in the next day, on XXXX XXXX. ( The company always does this when you reroute your direct deposit. ) The rerouting finished processing and I began receiving my payments consistently starting on XXXX XXXX. ( During that time period of 8 days, I was unable to access my money which was very inconvenient. ) From then until today, I have been consistently receiving my direct deposit payments 2-5 times per week. My surprise came when, much later than 10 business days as per the agreement, on XXXX XXXX, I still had not received the {$300.00} as advertised on the coupon. On XXXX XXXX at XXXX, I called the Chase customer service line, where they assured me that I would be receiving it, but had to " wait until the coupon expired on XXXX XXXX '' for " the system to recognize it. '' This was already contrary to what the paperwork stated, but given no other choice by the customer service representative over the phone, I waited. On XXXX XXXX at XXXX, I called the Chase customer service line once again. This time, they told me that my direct deposits were not being recognized as direct deposits, and that I would have to speak to a banker in person. Frustrated at XXXX, I called the branch where I opened my account and asked for XXXX. The lady said everyone was busy at the moment. I explained the situation and frustration of being passed back and forth and being told to " keep waiting. '' She took my number and said she would call me back in 15 minutes. I called back at XXXX and received the same response. Finally, an hour later at XXXX, XXXX called me completely clueless, again I explained the situation and she took my number and said she would " open a case '' and call me back, and to " call '' her if I " had not heard '' from her by XXXX XXXX. On XXXX XXXX, after calling the branch and finding out she was not there that day, I went in and asked to speak to the manager. XXXX XXXX seemed very understanding and said she would follow through the case. Today, she called me with " not-so-good news '' saying that she spoke with corporate and they said they would be honoring the coupon and there was nothing else she could do. At this point, I have waited 2 months, spent {$27.00} dollars and approximately 5 days of work dealing with this issue, not mentioning the waiting period I will be unable to access my money if I choose to reroute my DD to my old account. I did my part, and Chase is refusing to give me the money they promised. The banker confiscated the physical copy of the coupon, but attached is the agreement I received at account opening. The branch : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | ||||||
| 11/02/2021 | Yes |
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| I have spent over 15 hours on the phone with Chase employees. I was deliberately lied to by the Chase system, as wait times were 4x higher than the automated system indicated always. I have been asked for my social security number over 30 times. I have been asked for the same documents that I have sent in every single time 6 times ( 2x faxed from local office, 3x uploaded by me, 1x mailed by me ). My credit score has now been dinged for checking and I can't get the card ( despite having an 800+ score ). I am being sent in circles and harassed for information that's been given. The roundabout is unacceptable. I have wasted so much time and energy conveying the exact same information to so many incompetent people. The Chase employees are entirely unhelpful, directly lying to me at times and giving me different responses depending on the day and time I call. As a young woman of XXXX, withholding credit from me ( despite my eligibility ) and inability to provide me an update on this application is XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I applied for the Chase Sapphire on Monday, XX/XX/XXXX. In marketing to me, Chase implied that I was eligible for instant verification, based on my credit score and background check. I was not verified. I called Chase for the first time on Monday, XX/XX/XXXX. After waiting for over an hour ( after being told it was a 15 minute wait ). They told me my credit score was frozen. It was not frozen ( I had purposefully unfrozen it previous to applications ). I told them to re-check it and I was right, it was not frozen and succesfully went through. I was told that the company had everything they needed. I called Chase again on Tuesday, XX/XX/XXXX. I was told that the security department had a few questions for me. After being on hold for over 3 hours ( repeatedly told to hold for less than 20 minutes ), asked repeatedly for my social security number over the phone, the security department told me they had everything they needed and that I should wait for a response. I called Chase again on Wednesday, XX/XX/XXXX. I was again told the security department had questions for me. Once again, I was transferred, on hold for hours ( longer than originally indicated ), and asked repeatedly for my social security number. Again, the department told me they had everything they needed. I called Chase again on Thursday, XX/XX/XXXX. This time, I was told that Chase had emailed me requesting documents. I received no email. I was told to go to a Chase bank in person. After being on hold for over an hour just today ( going on hour XXXX ), I commuted to an in-person bank where an employee faxed over my documents ( passport, driver 's license, utility bill ). I called Chase again on Friday, XX/XX/XXXX. They said the application was under review. On Saturday, XX/XX/XXXX, I received an email from Chase requesting the SAME documents. I uploaded them. On Monday, XX/XX/XXXX, I called Chase mid-day to make sure they had everything they needed. They said they did. At XXXX XXXX, I received another new email, requesting the SAME documents. Once again, I uploaded them. On Tuesday, XX/XX/XXXX, I called Chase. They said the application was under review. I called my local Chase banker for assistance. They told me that the SAME documents were still missing. The local Chase had now faxed the same documents over, and I'd uploaded them twice. The local Chase faxed over the documents for the second time. On Wednesday, XX/XX/XXXX, I called Chase. I was told they had everything they needed. On Friday, XX/XX/XXXX, I called, expecting a decision as it was 1-2 days after. There was no decision, no update. Today, Monday, XX/XX/XXXX, I received a letter in the mail, asking for the SAME documents again. I was also told the security department had a few questions for me. | ||||||
| 03/04/2020 | Yes |
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| 1. In XX/XX/XXXX, I opened a checking account with Chase Bank N.A. at the new XXXX Branch, in XXXX, Virginia- in response to repeated direct ( and unsolicited ) mail flyers proclaiming cash rewards of $ XXXX- {$600.00} for switching direct deposit accounts. I was then- and remain now- a single parent struggling to pay court- ordered daycare costs- and six-figure divorce lawyer debt. As such, I accepted the offer- once the branch manager assured me that my electronically- deposited tax refund would guarantee my receipt of the {$300.00} transfer bonus. 2. In the last week of XX/XX/XXXX- I received my federal tax refund- electronically deposited to the new, promotional Chase checking account- and waited weeks for the {$300.00} " BONUS '' to be added to my account by Chase Bank N.A . In fact, I ADDED that {$300.00} bonus- which they had assured me was pending- to my checking ledger, as a CREDIT towards pending transactions. 3. In XXXX of XXXX, I contacted Chase repeatedly after the {$300.00} bonus never appeared in my account- which caused my account to OVERDRAW. Naturally, they NOW claimed that they never said my tax refund would result in receiving their promotional " bonus '' - and that they would NOT honor the promotion until my employer made several automatic deposits. Furthermore, they blamed my overdraft balance purely on my personal negligence- and sent this balance to their collections department. On principle, I refused to pay the collection account. 4. Seven months later, when I went to open a simple, overdraft SAVINGS account at my original ( XXXX ) bank ( which holds multiple loans and insurance products ), XXXX indicated to me that it would be impossible for me to open a savings account with them now- due to my XXXX XXXX XXXX status. 5. I contacted XXXX in XXXX XXXX and they told me to order one of their consumer reports. I did so- and a few weeks later received the report- which indicated that Chase Bank N.A . had reported me to XXXX for FRAUD and/or ACCOUNT ABUSE. I then contacted Chase to ask them to correct this apparent error- explained the discrepancy- and they steadfastly REFUSED. The report is attached, below. 6. Subsequent to Chase collections ' refusal to amend the XXXX status, they " offered '' me a settlement as ransom to unfreeze my XXXX status, through XXXX. As of XX/XX/XXXX, I PAID Chase {$160.00} of the disputed {$300.00} balance, with their emphatic assurance that this payment would permanently resolve the matter- in its entirety. 7. As of XX/XX/XXXX XXXX XXXX, I emailed XXXX a photo of the notice of settlement that I received by mail from Chase Bank, AFTER they took my {$160.00} " settlement ''. This document is attached, below, for CFPB records. 8. On XX/XX/XXXX at XXXX XXXX EST, I contacted XXXX to confirm by phone that they had RECEIVED a copy of Chase 's settlement- and that Chase had REMOVED the disputed allegation of account FRAUD/ABUSE. 9. On XX/XX/XXXX at XXXX XXXX EST, " XXXX '' of XXXX indicated to me that Chase HAD confirmed to XXXX on XX/XX/XXXX that I HAD paid my so-called settlement in full- HOWEVER that- after having accepted my settlement payment- Chase had now elected ( through XXXX ) to LEAVE the allegation of fraud/abuse ON my XXXX consumer report- FOR A PERIOD OF NO LESS THAN FIVE YEARS- which " XXXX '' of XXXX indicated that Chase was fully within its discretion to do, under the auspices of the Fair Credit Reporting Act ... I ask YOU to ask yourself- as the CFPB- do YOU think there may be a conflict of interest between a network of banks that PAY for XXXX subscriptions and thus furnish XXXX ' SOLE source of revenue- and a supposedly IMPARTIAL XXXX which allows banks like Chase to take our money, whilst simultaneously destroying our ability to prevent the very overdrafts which they claim to be punishing us for? (? ) | ||||||
| 05/19/2016 | Yes |
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| On XXXX XXXX @ XXXX I went to Chase Bank on XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ca . to withdraw money from another bank XXXX XXXX. Chase calls this transaction " cash advance ''. XXXX help me with transaction at his desk. I gave him my XXXX XXXX XXXX card along with my CA. I.D . need with draw $ XXXX.As he walks away I wanted to make sure that I told him the right amount I wanted to get out so I longed in to my XXXX XXXX account online on my smartphone appt. In less than XXXX minutes XXXX comes back and tells me the transaction was decline. I show him my phone in which the transaction had gone through and it show pending withdraw from chase XXXX for {$1100.00}. He then said oh that 's weird let me go to my supervisor and have her look at it. XXXX the supervisor tells me its decline again. I showed her my phone and ask this is your location right? She said yes but it decline us and its pending so it will be put back to your account. So I said okay. I left the bank. The next morning I call XXXX XXXX and explain the situation and they said that my card was scan 4 times : the first time at XXXX it was paid and then after that it was scan XXXX more times and yes then it was decline. I went into the bank around noon and ask to speak to supervisor XXXX. I explain what XXXX XXXX told me over the phone and she said let me call them and find out what happened. She took about XXXX minutes. Comes back and Shows me a paper where the tellers transactions of the day and said this is yours transaction only one time it was ran and you see it said " Denied ''. She states does it show withdraw on your phone appt. I logged in and show her yes but it state " pending '' XXXX said by Monday it will drop and your money will be back to your account. I check on it Monday and now " pending " was removed and it look like a transaction paid completed. I call XXXX and explain and she said you have to call your bank and tell them we did not received or withdrew the money. On XXXX/XXXX/2016 I called XXXX XXXX again and they stayed the same thing money has been paid.I called Chase I spoke to the Manager at chase XXXX. He said " you need to call your bank and let them know we did not take your money and they should credit back to your account. I called XXXX XXXX explain everything again and they said I need to file a " Dispute '' cause Chase refuse to give me my money and they have it. I file the complaint on XXXX/XXXX/2016 @ XXXX they stated " will take 7 to 10 days for investigation or It XXXX take up to 90 days. I told them I can not wait 90 days I have bills to pay. I call back Chase and spoke to Manager XXXX and told him the Dispute can take up to 90 days. He said well we do n't have your money XXXX XXXX has it and he could not do anything else. I call XXXX XXXX and file the " Dispute '' and I was told in they have 7 to 10 working days to get a solution and a provisional amount {$11000.00} was going to be credit to my account because if more time was needed for a full investigation that can take up to 90 days. I been on phone calls ( all recorded ) with both banks regarding the issue. On XXXX/XXXX/16 I had both banks on a conference call from the Dispute department no solution. On XXXX/XXXX/16 I went into Chase and spoke to manager XXXX he said he will escalate the issue and would have a respond in XXXX hrs. XXXX/XXXX/16 Spoke to manager XXXX stated " they found the problem and that the money was return to XXXX XXXX on XXXX/XXXX/2016. XXXX/XXXX/16 I call XXXX XXXX Dispute department spoke to XXXX and she said according to the investigator no solution yet and that my case did not qualify for the provisional credit and that it will take 90 days. I ask why have I not received any update or why can I speak to the investigator cause according to Chase the problem was found and money was back to XXXX XXXX on XXXX/XXXX/16. | ||||||
| 11/06/2015 | Yes |
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| Chase is misleadingly using the wording " Balance Transfer '' to mean everything, not just transferring a balance from one card to another. Nowhere in their terms or fees is this noted. This is completely misleading and a scam to their customers. This is a portion of a letter sent to chase and describes the issue at hand : We received courtesy access checks in the mail recently, and as XXXX, we diligently read the terms and conditions very carefully before using any financial product. Everything was clearly spelled out on the concise paperwork provided. I have attached what was in the envelope for your review. We were quite surprised then, after using one of the checks that we received a 3 % " transaction/service '' fee of {$240.00} on the {$8000.00} check. Immediately upon seeing this on my statement I went through my files to re-read the terms and conditions of the checks, of which I still have. Absolutely nowhere on the paperwork provided by Chase was there a mention of a 3 % service fee applying on anything other than balance transfers from other credit cards to Chase. I did n't hesitate in calling the number on the back of my card and after wading through the prompts to finally access a living, breathing representative. She said there was very clearly printed on the checks all the terms and conditions. I kindly let her know I had the checks right in front of me and there was no such print anywhere. She said it was in the paperwork, of which I read her the entire sheet included with the checks proving otherwise and asked to elevate the case. I was transferred to a supervisor and placed on hold for over XXXX minutes while " they brought up my account ''. XXXX ( of which she said she does n't give her last name or even it 's initial ), in XXXX XXXX told me that the terms and conditions clearly stated that I would pay a 3 % or {$5.00} service fee on balance transfers, to which I responded this check did not do. She said that it would have stated on the front of back of the check that anytime I used one I would be charged a 3 % transaction fee, to which I again stated I had the checks in front of me and even read everything they said from top to bottom. There was not even a hint at what they were telling me. She then stated the terms and conditions said a 3 % service fee anytime I used a check, to which I read her the entire box listed " Interest and Fee Information '' off Chase 's literature included with the checks. Absolutely nowhere does it mention what they were saying was mentioned, nor could they " access that particular document ''. She said I needed to fax Executive Offices and gave me an address and fax number before ushering me off the phone. My wife called and was given an equally frustrating runaround. She also read the entire document aloud to a representative, XXXX, a supervisor, who also stated she " could n't locate that particular document '' to verify what my wife read was correct. XXXX stated that she had dealt with this exact issue a " couple of times recently '', so obviously we are not the only ones who were mislead by your marketing/business practices. After getting the runaround for XXXX or so minutes my wife asked to speak to someone higher and was told XXXX was a supervisor and " as high as you get over the phone ''. She was then issued a differing address and fax number to the one I received. Keep in mind we wrote the check for {$8000.00} on XX/XX/2015 and paid the balance off on it today XX/XX/2015 before calling your representatives. Had it been stated anywhere whatsoever on your paperwork that there was a 3 % fee associated with these checks we would never have written the check. We would like the 3 % " service fee '' removed from our account as it was never made clear in your terms and conditions that this would be charged on anything but a balance transfer. | ||||||
| 11/01/2023 | Yes |
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| I had money fraudulently withdrawn from my Chase checking account on XX/XX/2023. Someone forged a check from the account and deposited it using a mobile app. ( Apparently to another Chase bank. ) Since reporting the fraud as soon as it posted to my account, I've been unsuccessful in getting any answers from Chase 's fraud department. What I have received instead are excuses and delays, with repeated requests by Chase for information that I had already provided ( and have documented ). Chase 's communications with me have been piecemeal, not transparent, and uncoordinated, leaving me with the impression that resolving this fraud is unimportant to Chase. Here is the timeline of events. Please advise if you need specific documentation or additional details. - XX/XX/2023 : I reported a fraudulent check in the amount of {$5000.00} to Chase, when it first posted to my account. - The fraudulent check was deposited electronically via a JPMC bank, as seen in the check image. This presumably means this fraud case would fall under protections afforded electronic banking. - Chase failed to flag the check as fraudulent, even though the withdrawal amount of {$5000.00} was well over our threshold for account withdrawal alerts. We received no fraud alert from Chase about this transaction at any time. - That day ( XXXX XXXX XXXX ) I called Chase and was instructed to go to a bank branch to handle reporting. I went to a Chase bank branch in person to provide details of the fraud, freeze the affected checking account, and open a new checking account. During that visit I asked about reimbursement of the stolen funds. I was told by the Chase representative that the funds would be deposited back to my checking account " within 24 hours. '' That never happened. - Several days after that visit that I informed by Chase ( via secure message on Chase.com ) that I needed to complete a UCC Forgery Practice Document. - XX/XX/XXXX- I returned to the same Chase Bank branch in person, and completed the UCC report with a Chase representative, who faxed it to the Chase Fraud Department. - XX/XX/XXXX- I contacted Chase via the Chase.com online secure message center inquiring about status and reimbursement. - XX/XX/XXXX Chase replied online that a police report was needed for the claim. ( This was the first time anyone from Chase mentioned this part of the puzzle. ) - XX/XX/XXXX I submitted the police report via Chase.com secure message center. - XX/XX/XXXX I received this message from Chase via the secure message center : " Additional information : The Police report has been processed to be uploaded to your claim which may take 1-2 business days for processing. '' - XX/XX/2023 I wrote to Chase via Chase.com secure message center asking about status of claim, as it's been 1 month since submission of the police report. - XX/XX/XXXX Chase sent me this reply : " Claim Status : Claim Closed. Additional information ( if applicable ) : In order to proceed with the claim, we require a detailed Police report is needed to proceed with the dispute. '' I replied stating that I had confirmation that Chase received and was processing the police report. XX/XX/XXXX I received this reply from Chase : " Your claim is still under review. Once our research has been completed, a letter will be sent to you regarding the outcome. '' XX/XX/XXXX I called the Chase fraud department for an update and am told by a representative that they need a police report. I explain that I had sent it, that Chase confirmed receipt and it was in process. I ask to speak with a supervisor and after a short pause I am disconnected from the call. Chase has been either intentionally stonewalling any resolution, or they're incompetent to handle it given their uncoordinated systems. I just want the stolen money reimbursed to my account and to move on. | ||||||
| 08/09/2022 | Yes |
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| Weds XXXX XXXX XXXX Received a business check to pay for a puppy & for a flight nanny to XXXX XXXX. I deposited the check into my business acct. Chase sent me the normal split portion of check is available & the rest on hold Thurs ALL money showed as available to me both present & available balance show ALL in my acct. Called Chase Customer Service XXXX & XXXX to verify money was in there & that it cant be pulled back out. I was selling product to this person that wrote the check & I needed to verify I can hand over product & check cant be pulled back. I discussed in detail w/ customer service & she informed me money is all in my acct & available to me. I asked her to place me on hold & verify. She came back & said I was good. Money is all in there for my use. I asked SEVERAL times at XXXX After her reassurance that check is fully deposited & ready for my use. I XXXX the money over to the Flight Nanny XXXX XXXX Fri My acct showed check was returned. I already XXXX the money per Customer Service. They both were wrong & Im out {$1000.00}. I text the person buying XXXX XXXX at XXXX & I tried calling at XXXX Received no response. Reached out to the Company on the check XXXX XXXX XXXX. XXXX at XXXX at XXXX. Mrs answered & I ask her about purchasing a puppy. She said not them & that this is the 3rd time she has received a call like this. They have since closed the acct & reopened a new one. XXXX XXXX is XXXX XXXX XXXX. His listed # XXXX & address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ca XXXX.Called Customer Service again XXXX at XXXX & XXXX than I was told nothing they can do. Went into my branch at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX Went over everything w/ him & turned the claim into XXXX XXXX But the XXXX Chase Rep said this is very difficult even though the XXXX transaction still said pending. The banker said there was nothing else they could do. He basically said the claim is really for XXXX to document & flag the email & the name of the person. XXXX XXXX & XXXXXXXX XXXX XXXX XXXXXXXX claim # via Chase # XXXX & their # XXXX Sun XXXX Buyer text me HELLO. I text back Hello & asked him if he was XXXX, XXXX or XXXX. I sent him a screen shot of the forged check the bank sent me. I informed him that I turned this scam into my bank, his bank, XXXX & my local police. He went dark again. Not 10 min. later XXXX to XXXX a new text came in saying he is XXXX the guy that purchased my puppy XXXX. Started feeding me lies about how someone scammed him & if I still had his {$1700.00}. I told him his check was a forgery. I have none of his money & that I am out {$1000.00} for his flight nanny Mon XXXX Walked into my local Police Station XXXX XXXX XXXX Police Station XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Sat w/ XXXX XXXX XXXX . Went over what happened & gave her the pertinent information : XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX & a new # XXXX. Fraud claim # XXXX. Once I was back home she asked that I email her screen shots of the back & forth from both # s to XXXX Spoke w/ Customer Service XXXX, XXXX & XXXX at XXXX, XXXX, XXXX, XXXX & XXXX for 1 hour & 20 min speaking w/ : XXXX Intake XXXX XXXX XXXX Acct XXXX, XXXX Acct Manager, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Called XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Manager XXXX to inform them about someone forging checks from their bank. Walked into this bank & let them copy the forged check for their records Weds Called XXXX Claims for an update & she said the reason to open a claim is not to get my money back but for them to document & flag the email & the phone # for their records. I should get an update from their side in about 45 days XXXX XXXX Received a call from XXXX, a Chase Executive in charge of expediting complaints. She called from XXXX XXXX. She said she just received my file & will be going over it the next couple days & would get back w/ me | ||||||
| 12/08/2016 | Yes |
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| COMPLAINT : Modification misguidance and misinformation I was enrolled in the HOPE Program to assist those having trouble making their mortgage payments. Foreclosure counselors assisted me with only the initial correspondence of the loan modification process with my mortgage company XXXX XXXX XXXX Chase XXXX. After many attempts of getting requested paperwork to the lender ( which sometimes disappeared ) and the lender requesting different and sometimes unclear paperwork, I became not only frustrated but overwhelmed. I contacted the counselors because I felt I was not getting anywhere with the modification. While corresponding with the lender I would feel like progress was happening XXXX moment and then the next I would feel this progress slipping away once again. A XXXX XXXX was set for XX/XX/XXXX. I contacted XXXX XXXX from J.P. Morgan Chase corporate office about the Sheriff sale and why I would get this during my modification process. I left a voice mail for him XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX not resolved ) .The worst communication and misguidance came in XX/XX/XXXX through now when sending in the last paperwork requested. I corresponded with a Chase employed on the XXXX. He stated that they did not receive any paperwork requested. My frustration had turned to despair by then. The employee took the time to look in my folder at the uploaded documents and stated that he is looking at it and it is not there. After a few minutes on the phone he decided to click on some of the paperwork and physically look through them. It was then that he saw the paperwork that they requested. I had hand written a question at the bottom asking about changing insurance companies to help lower the monthly mortgage and he read that back to me confirming he was looking at the documents requested. Temporary relief came and ended. He then asked for XXXX more document. After I sent that last document XX/XX/2016 ( XXXX XXXX XXXX, I called back about a week later XX/XX/2016 XXXX XXXX ). I spoke to a young lady who said that all the paperwork is here and it has been sent to the underwriters for modification and is waiting on an approval. I called the next day to check on the progress and I was told that my account was closed due to not getting the paperwork to them. I requested to speak to any of the XXXX individuals that stated they have all they needed. I did not get their names ( I think it was XXXX and XXXX XXXX. I was then directed to XXXX whom I had left XXXX voice mails for with no return call. ( Complaint not satisfied ). After calling back XXXX XXXX and requesting to wait on the line until she was able to be reach I finally spoke to XXXX After going over my past few communications I had had with Chase - she told me that I was misinformed. I requested they speak to the gentleman that riffled through my uploaded documents and was able to find them. Her response is that they did not know who that was, they had the same computer screen and it must have been a mistake - conversation XXXX XXXX hour. These past conversations and the next few were around an hour long each time. Each time I explained the situation - the correspondences and the information relayed to me. XXXX finally transferred me to the " XXXX Department '' where I spoke with XXXX. After another extended conversation ; she said she would speak to the supervisor and see what they can offer. Once XXXX called back she informed me that the only thing they can do is offer me a reinstatement. Reinstatements were usually done prior to a Sheriff sale, but considering my situation and the misinformation I experienced they would allow me to reinstate after the sale ONLY if no-one purchased the home and it returned to the bank. She explained that this is not standard but they are making an exception. I repeated what she said to me back to her to m | ||||||
| 12/17/2015 | Yes |
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| I recently suffered significant water damage to my home for which my insurance company paid out a large claim to make repairs. My home mortgage is with CHASE BANK. Chase required that I deposit the proceeds of the insurance claim in a " monitored escrow account '' which they assured me would be available for me to make the necessary repairs but that they had the right to control distribution to ensure that repairs were being made. Having no choice, I deposited the funds in the escrow account. I then asked for an immediate partial distribution to pay my public adjuster. In addition, under Chase 's purported internal policies, they provided me {$20000.00} to get the project started. However, their " standard '' policy says they will not allow any further draws until the project is 50 % completed. However, my project requires over {$120000.00}. I used a substantial portion of the initial $ XXXX draw to pay part of the initial deposit to my general contractor. However, I needed an additional {$25000.00} to pay the balance of his deposit and to pay the initial deposit to my cabinet maker. I submitted a detailed letter to Chase requesting the additional draw. I sent them all of the required documents so they could issue the payments directly to the contractors. However, I NEVER ONCE received a written response to any of my letters. I therefore called their insurance claims department several times to ask about the status of my request. Each time, they found a new excuse to delay processing. First, they wanted more documents. Then the required an inspection to make sure I was doing the work. However, I told them clearly that with only the initial $ XXXX I could not and would not get to 50 % completion of the project. After the inspection came back showing only 30 % completion ( as I had previously advised would be the case ), they continued to delay processing the claim and said they had to send it to the " corporate office '' for review because I asked for a " deviation '' from their " standard policy. '' I wrote them XXXX letters clearly explaining why I need the additional draw so I could get to 50 % completion and that without the funds I would not be able to pay my contractors to get to 50 % completion. I asked to speak with a representative from the " corporate office '' and was told they had no number for that office, knew no names of anyone working in that office and had no way to contact that office to find out the status of my request. Several days later, they finally called me to tell me my request was denied - a month after I first made the request. They said it was because I had not reached 50 % completion. I told them that I need the funds ( which are entirely my property and to which the bank has no ownership interest whatsoever ) to get to 50 %. They did not care. I asked who I could appeal the decision to. They said no one. I asked if I could speak to someone in the " corporate office ''. They said no and repeated that they had no way of contacting the office. I spoke to several " supervisors. '' All repeated the Chase " XXXX. '' They were utterly rude and unprofessional and absolutely unwilling to give any consideration to the fact that I can not proceed with the project without the funds. They are holding my money hostage. I tried to find a number for the Chase corporate office in XXXX, Ohio where the department is located, but no one could provide that information anywhere within the Chase customer service phone tree. In effect, Chase has stolen my money and refuses to release it to allow me to finish the reconstruction of my home. I am living in an apartment with my wife, XXXX children and XXXX dogs and my insurance company is already threatening to cut off my living expenses. Chase is purposely delaying and preventing me from finishing the project so I can move back into my house. | ||||||
| 06/14/2017 | Yes |
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| I used to bank with Washington Mutual, but unfortunately due to the XXXX financial crisis WaMu was allowed to collapse without a massive government bailout like the one given to Chase Bank. This allowed Chase Bank to " buy '' WaMu and now all my accounts are Chase accounts. I have had numerous service issues with this " new '' bank, but a few months ago the ATM 's in my area were " upgraded '' and several Chase employees stated there have been many customer complaints with difficulties the ATM 's were causing. One of those issues is the ATM 's incorrectly reading checks and listing their value below that which they were written for. My complaint is about this misreading and recording false amounts, but also about the burdensome process Chase puts on the customer if the correct deposit amount is desired. Until recently, when a check was misread a customer had the ability to log in online, view the individual check from a list of checks included in the deposit, and then check a simple " dispute '' box to get the check submitted for review and correction. The other option would be to call customer service and any representative could view the error and correct it. Now, Chase has not only removed the simple " check box '' but has absolutely no way to address the error online. This forces the customer to have to go through the larger hassle of calling in during phone hours and go through the verification and problem identification with a rep verbally. To make the process more difficult for the customer, Chase now requires that the rep assisting the customer transfer that customer on to a new " Claims Dep't ''. Chase also refuses to correct the ATM reading error if you wo n't submit to this extended hassle. I have no doubt that Chase has purposely made this process so burdensome in order to discourage customers from claiming the monetary value of the checks deposited incorrectly BY CHASE BANK ... even if Chase Bank knows that there has been an error. After spending several hours on this issue with Chase, I have had at least six Chase employees verify the error in the check reading, and as of XX/XX/XXXX was told it would be corrected. HOWEVER, today I received a call from Chase and was told I would NOT be getting the correct amount unless I started a formal claim that could only be made by me, over the phone, and during my work hours ... and I would have to start that claim from scratch! The bank is well-aware of the problem and I already spent hours addressing the problem, so I demanded Chase " fix '' the problem caused by their ATM technology. I also found all this to be a surprising and confusing policy change so I asked the bank to send me a summary of what was going on and also the written policies that outline the new claims process that realistically might affect many more future ATM deposits. The rep said she could not commit to providing anything in writing. So, after losing several hours trying straighten out what should have been a simple deposit, Chase is now placing even more of a burden that would require me to lose even more work productivity if I ever want a chance to get the full value of the disputed check. I am certain this new " policy '' is quite intentional to discourage customers from disputing check deposits in the first place, especially if the amount in question is less than the value of the extensive time they will lose in trying. REQUIRING ME TO INVEST HOURS OF TIME TO SIMPLY GET THE CORRECT AMOUNT OF A DEPOSITED CHECK SURE SEEMS INTENTIONAL TO ME. Chase Bank knows that its ATM shorted my deposit due to an internal error and I have clearly demanded that the error be corrected, but I am quite sure that will not happen without CFPB help. I am also quite certain that this scheme is going to cause problems for plenty of other " every day '' customers relying on the ATM 's. | ||||||
| 09/15/2016 | Yes |
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| I recently began my first post-graduate job at XXXX XXXX ( start date of XXXX/XXXX/16 ). My first paycheck was supposed to be direct deposited into my Chase Bank account on Thursday, XXXX XXXX. Prior to this date, I visited my local Chase branch, located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, in order to obtain my direct deposit information to supply my employer with my account and routing number. I informed the representative at Chase that I was aware my account was overdrawn, but that I would be having a check direct deposited on XX/XX/XXXX. She made no allusions that my account was in danger of closure, mentioning something along the lines of " well that should take care of that! '' during our rapport. On Wednesday, XXXX XXXX, I logged into my Chase account on the off-chance that the check would be deposited early, which has happened to me before at other jobs. Suddenly, my account no longer existed. I called customer service, who informed me that my account was closed due to an overdraft. They said that the funds would be returned and to check the status in a few days. I was very concerned because my first rent payment was due Thursday, XXXX XXXX. I called Chase 's customer service line again the following week, and was given XXXX differing answers from XXXX different representatives about how to resolve my request : one said a check would be mailed to my address, but when transferred to another, they told me I could go into my local branch, set up a new account, and the money would be deposited. I went to the branch I previously mentioned during my lunch break and spoke to a banker named XXXX. XXXX informed me that not only would Chase not be willing to set up a new account for me, but that my funds had been returned to XXXX XXXX on Saturday, XXXX XXXX. I asked each representative that I spoke to if the funds had been returned- at no point did they disclose that they had been. XXXX told me that there was no way of knowing when the funds would show up in XXXX XXXX 's bank. This brings us to XXXX XXXX, a day before my rent was due- I called Chase 's customer service line again, and was told that my money should be sent back either that day or the next day, at which point XXXX XXXX would be able to cut me a paper check to pay my rent. It never showed up. I was forced to rely on my landlord 's generosity and pay eight days later when I received my second paycheck through a direct deposit with XXXX XXXX XXXX ( LOVE credit unions, I will NEVER look back ). I returned to Chase bank at a later date to request to speak with a manager. I was directed back to XXXX, who had no more information about where my money was. I asked him to explain why it could possibly take this long to transfer funds electronically- he could not explain. I asked if there was anybody who COULD explain why it could take this long- he simply said " no, I 'm sorry. '' Today, it is Wednesday, XXXX XXXX, nearly three weeks later, and there is still no sign of my money. The payroll personnel told me that at this point, I should try to contact somebody with more authority within the Chase organization. Having tried once before to talk to somebody with some real degree of accountability in the organization, I decided that before I take that step, I should document with the Consumer Financial Protection Bureau the lack of helpfulness from Chase every step of the way to correct this issue. They have demonstrated to me that they do not care at all about me receiving what is rightfully mine in a timely manner, despite their ability to garnish what is theirs from my paycheck in the blink of an eye. It is disgraceful and indicative of what tens of thousands of people have said about Chase Bank- it does not care one iota about its customers. I will never utilize Chase Bank again, and have been actively discouraging people from doing so. | ||||||
| 04/03/2015 | Yes |
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| Since my layoff over 2 years ago I have repeated attempted to work with Chase regarding mortgage assistance. Initially I was told I did not qualify while receiving unemployment. In XXXX XXXX I submitted a request for modification assistance on line. XXXX/XXXX/XXXX I faxed the documentation requested to apply for the modification programXX/XX/XXXX I accepted the repayment plan via phone. I explained I was driving but if necessary I would stop at a location to fax the documentation. I was told no problem fax it tomorrow, we have documented your acceptance. XXXX/XXXX/XXXX I.faxed documentationWhen I asked the available agent about the details repayment plan, the XXXX woman told me she did not have any details on the terms of the loan modification that I would have to make the XXXX trial payments first then they would send me details after with the terms to sign. The next agent, a male, said I was 70 days late and the first payment would be almost {$2000.00}, then approximately {$1500.00} for the next 5 months. He explained I should see the documents in the mail in the next week.My primary contact is XXXX XXXX ( XXXX ) XXXX Ext XXXX. Since my acceptance I have not received a call back from XXXX, despite the fact that I would call her XXXX, leave a voice message, then call back and speak to the next available agent. I have called repeatedly since then trying to get information ( see phone logs. ) Each agent tells me something different and ensures me that they are making notes, documents are on their way and I should be getting a call back. Recently I received a foreclosure notice and called about it, an agent explained it was an automated system and this was pretty standard but as long as I was working with them, there would be no foreclosure proceedings. I asked if I could make a payment on more than XXXX occasion and was told no, not until the repayment plan was in place. That their system would not accept a payment. I was assured the documents were on their way. I have repeatedly been denied the option to make any payments until their system allows it. Last month I received documents for a 40 year loan term period ( currently I have 18 years left to pay. ) I was told the interest rate would remain the same. I questioned why anyone would spread XXXX payments ( initially, now XXXX payments ) over 22 years? I explained I would be XXXX years old and probably dead. I reiterated I signed the acceptance for a repayment plan and would like to know what and when I need to pay. Again I was told XXXX will call me. I also explained I would only consider a modification if the interest rate were reduced. At XXXX point I was told that the process was closed out XXXX and they could help me reapply. I get the distinct impression that each agent works on commission. I was extremely frustrated and started asking for a supervisor or manager. Since then, I have been working with escalations at XXXX. I was told that the repayment plan has been resubmitted and now the XXXX payment with be {$4000.00}. I questioned why I was being penalized because they could not get the process in place. I feel like I 'm being force into either accepting the 40 year term or losing my home which I 've been paying on since XXXX. I questioned why they refuse to work with me by either reducing the interest rate for a 20 or 30 year loan or spreading the payments over the 6 months instead of demanding {$4000.00} at once. Each agent avoided my questions and changed the subject. I decided to do a little research. I came across http : //www.consumeraffairs.com/finance/chase_mortgage.html where the majority of comments are eerily similar. This seems highly immoral to me and might even be criminal. The problem is Chase knows each individual is already experiencing a hardship, having little to no recourse. All while their credit plummets. | ||||||
| 05/13/2016 | Yes |
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| I have recently been the victim of a series of fraudulent charges, all in relatively small amounts between $ XXXX-XXXX, over the course of the months from XX/XX/XXXX - XX/XX/XXXX. I became aware of these charges on XX/XX/XXXX, after the criminals had slowly drained my business account of over {$6000.00}. When I finally realized what had been happening, I reported it immediately to my financial institution, Chase, at my local branch in XXXX XXXX, CA on XXXX XXXX. They could see quite clearly that the charges were fraudulent and expected the funds to be returned in a couple days. On XXXX XXXX, I received an email that {$3900.00} would be transferred into my account ( already far short of the approximately {$6500.00} due ). Later that day I received notice that my claim was denied. I have escalated this to the extent of my ability and have received nothing positive whatsoever. Chase is telling me directly that their refusal to refund is my responsibility, as I should 've reported far earlier - this of course, dependent on knowing what happened, and I did n't. A bit more explanation : The charges were all from a XXXX station in XXXX, CA - a place I 've never been. I do, however, buy gas, etc ... at XXXX in XXXX XXXX, so if I see " XXXX - {$65.00} '' on a statement, I do n't think anything of it. Simply not an odd charge. Chase has informed me that my claim is invalid because the original charges were more than 35 days prior to me reporting them, which they claim is backed up by federal regulations that were in effect 9 years ago when I opened the account, something I doubt very much. They also claim that because I accessed my account online via the QuickPay app on my phone, that I must have NECESSARILY seen these charges and just neglected to report them, something that defies all reason. I use that app to quickly pay my rent and my doctor. Chase fully encourages the use of mobile banking, making it exceedingly easy to miss individual charges like I did. Chase also encourages electronic statements available online. I do n't receive my statement in the mail, nor do I receive it in email. An email that states it 's " available to view '' is n't the same as having the text in your face. Yet they are adamant that even though they 've found multiple ways to discourage their customers from actually tracking their transactions, it 's still the customer 's fault to do so - in the course of our conversations they 've even said that fraud must be reported in 24 hours in some cases. Who lives their lives like this? As it stands now, they are telling me they ca n't return a huge amount of money ( to me ) because of when the undeniably fraudulent activity began longer than 35 days prior to my reporting, and they imply that I was somehow complicit in it by 'knowing ' and not reporting it. They also tell me that even the charges within the 35 days prior to my reporting are denied. All of this is premised on the idea that the funds are unrecoverable. That is clearly contradictory.. If they have 35 days, they could 've recovered at least those funds. They chose not to act at all for 31 days. Also, since all of the fraud was of the same variety and from the same source, if they 're able to track and recover the most recent charges, they certainly should be well within legal reasoning to recover the rest. Instead they 're completely obstinate in the face of a customer complaint. I 've been a Chase business customer for 9 years. I 've had them alert me of fraudulent charges in the past, and I 've also noticed some myself and have had to report them. They 've left my account exposed repeatedly. Their ONLY job is to protect my money and provide the services I need. They 've done neither, and in turn they 've blamed it on me. They also refuse to accept any holes in their fraud detection system. | ||||||
| 08/01/2017 | Yes |
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| I had a fraud incident at Chase bank back in XXXX . It was i think XXXX , or maybe end of XXXX . The incident happened when I was visiting family in XXXX . I woke and checked my account, like usual, as I check account, emails, txt, etc, every morning. The account said I had 2 checks pending, and they were out of the XXXX XXXX XXXX XXXX . I instantly called customer service, and put in a fraud compaint, asking the customer service rep to restrict my account til I can get to a bank. I dont drive so I couldnt go to one in seattle. When I got to the bank, the personal banker, i dont know her name, said " well we will just open new accounts so you have bank access, in case you need to deposit paychecks or anything, we will just have it all transfered there. " I asked if this was normal protocol, and the bank manager said " well in your case yes '' so I went about my business waiting to hear what happened. I was sent a email saying that 2 checks out of XXXX were deposited, and stopped. then I get a letter a month later stating that Chase bank doesnt want to do business with me anymore. I called Chase bank wondering what is up. and they said " 2 checks out of the XXXX XXXX XXXX were deposited into your account fraudulently '' I said well I didnt authorize them, and they said this was protocol for fraud. I said " but I didnt authorize or cash them '' the cs rep said that is all the info he could give me. So fast forward to a over a year later.I was applying for my dream job waiting for background check to come back from XXXX , and I get this message saying I have a charge of stolen checks and fraud thru XXXX XXXX XXXX ?! Out of XXXX ? So I call the state clerks office and they say they dont have any info and tell me to call the county its out of. I call the county number they gave me the magistrate who put the charge in 's number. The office of the magistrate says to call Detective XXXX , and so I do, and he says he is willing to work with me if I can find out who did the investigation. I call Chase to find out, and they say, they have no information to give me because XXXX XXXX XXXX no longer exists. It was absorbed by XXXX XXXX . I was given the number of someone named XXXX , no last name, who I called, and left a VM for, and I still dont have a last name for. She has never called me back, and So I called the District attorney in XXXX , who gave me the number for the FBI fraud dept, who told me I had to do a complaint online, and this number for CFPB, who told me I had to file a complaint. Which I am. Against Chase for not contacting me when other checks went into my account that were unusual, and for not giving me any information about this fraud that occured or the original fraud that occured that I called in and stopped my own accounts for and for their personal banker opening all those accounts, against protocol, and allowing the frauds to occur, and for this charge I have because of all that, and I am filing a complaint agains XXXX XXXX XXXX / and XXXX XXXX for the charge when its obviously fraud as I live in XXXX state. How could I steal checks out of mailboxes in XXXX XXXX in the first place. Incidentally, I have had 3 credit checks since XX/XX/XXXX . one from XXXX XXXX XXXX , one every month from XXXX , and XXXX XXXX , and none of these have shown a fraud charge against me. I am thinking this is being attached to me due to my name, not due to it being me. I know I didnt commit fraud or receive stolen property. I am not able to travel to steal checks. Also, those people at chase, the personal banker and the bank manager no longer work at that bank. after maybe 2 months from the incident, they were no longer there. the personal banker first, the bank manager second. not sure if that is part of this or not. | ||||||
| 02/10/2016 | Yes |
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| " Systematic fraud on XXXX XXXX helped spark a financial crisis in XXXX that cost XXXX of Americans their jobs and their homes. But federal prosecutors did n't put a single XXXX XXXX executive in jail. Not one. Instead, spineless regulators told them to pay a fine and asked them nicely not to do it again. It turned into a " get out of jail free '' card for the big banks that break the law. You 'd think the big banks would be happy with an enforcement system that is so tepid that they could bake fines into the cost of doing business instead of going to jail. But nope, the banks are demanding even less oversight. It 's been more that seven years since the financial crisis. A lot of people in XXXX may want to forget, but the American people have long memories. We remember how corporate fraud caused XXXX of families to lose their homes, their jobs, and their pensions. We also remember who made out like bandits - and the American people did n't send us here to help the bandits ''. -- XXXX XXXX This is my story. Ripped off by JP Morgan Chase. They decided the mortgage was verbal, they decided when they would change their minds on accepting mortgage payments, and now they decide to punish with excessive penalties. They ran a dishonest corporation/business : creating in-house incentives for their minions to put you in the throes of XXXX by NEVER ever able to receive any documents in full : neither by XXXX, using their own banks, mail, email. It was all 'Missing a Page ' and of course you had to resubmit. Now they have the CFPB in their bottomless pit of 'we will get back to you after they conduct additional research ''. How many months can JP Morgan Chase continue to conduct research when they had nothing in the file. I was told the file had nothing in them..So what are they researching? Dishonest XXXX. Yes, I do get the standard call - " I am your new representative ( # XXXX since XXXX XXXX XXXX and will get back to you. They then contact the CFPB to let them know they are in touch with me. Spineless, dishonest, miserable, miscreants. I guess this will go on until the CEO does the 'perp walk '. Of course they are too big and powerful to fail or respond in a meaningful way. I want JP Morgan Chase to stop playing games with me and other oversight government watchdog, and do what is right. Chase messed up and now they refuse to acknowledge and correct their mistake. I was caught in their in-house sting of taking government bailout while selecting vulnerable consumers and robbing them of their possession in order to build up their real estate portfolio. They also need to stop sending me followups, that they are doing additional research. If you had nothing in the file, the only 'Research ' they could be doing is formulating the best lie that they can come up with. What happened? to remind the CFPB I was given a mortgage ( 'verbal ' so said Chase in writing ) paid the first month, went to pay the second and they decided that they were not accepting the payment. When I called to find out why, everyone was at a loss to tell me anything as they claim the file was empty..how did I know how much to pay? Who told me? We have nothing. Who told you your home was being foreclosed on? We have no record of this? and so on. But JP Morgan Chase never forgot to rack up the fees - over $ XXXX which they kept in a separate accounting and never included on mortgage statements. You would only find out if you decided to sell your home. Meanwhile, with government backing CEO lived high off the proverbial hog. Never a thought to the people they were scamming. After all we had it coming and need to support a lifestyle that majority of Americans could not even comprehend. Well, I took very careful notes, as I was the one locked in JPMorgan Chase 's XXXX and I have documentation to show that JP Morgan Chase is dishonest | ||||||
| 07/26/2015 | Yes |
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| 1. I obtained loan of {$15000.00} on Credit Card. The balance as of XXXX XXXX, XXXX was {$160000.00}. In the statement of XXXX XXXX, XXXX debits were charged ( a ) Payment Protector charges : {$110.00} ; ( b ) Credit Observer {$9.00} ; ( c ) Over Limit Fees {$29.00} ; and ( d ) Late Charges : {$35.00} Total {$190.00} in addition to " Finance Charges '' of $ XXXX@22.99 % which was not disclosed at the time of issue of card. The closing balance was {$170000.00}. No Protection was given when I was XXXX. I never requested for Credit Observer. Ipaid monthly at the agreed rate of {$440.00} but card charged me late charges. I am not highly educated and my education was not in XXXX language. Thus {$190.00} charge was illegal. 4 The Credit Card continued to charge me as above. The withdrawals of {$440.00} were adjusted towards usurious finance charges, compound interest and unauthorized debits ) resulting in a new balance of {$220000.00}. This practice was followed in the subsequent statements of XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX wherein Interest rate kept on climbing to 27.24 %, 28.49 %, 29.99 %, 30.5 % resulting in the new balance of {$24000.00} although {$440.00} was paid by me every month. 6. Bank assigned the debts to an Assignee XXXX XXXX without any intimation to me. 7. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 8. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 9. On XXXX XXXX, XXXX XXXX 's income execution @ was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 10. On XXXX XXXX, XXXX I made an Application Pro Se to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 11. On XXXX XXXX, XXXX, I filed Pro Se subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate.This time the claim had increased to {$45000.00} and was denied. 12. Appeals to the Appellate Court were also denied because they were not perfected as I filed Pro Se as I was financially crippled and a Motion to reargue was also denied 13. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 14. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX | ||||||
| 10/18/2017 | Yes |
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| On the night of XXXX/XXXX/XXXX I tried using my card at a XXXX restaurant and it was declined, I had to pay with other card. Then I called Chase Sapphire Preferred customer service to find out what was going on, I was told that my account was closed and a letter would be sent out to me explaining why. I have always paid my bill on time since XXXX, I had no deliquent remarks, and I have only been a good customer. That night I logon to my Chase online access and found out that all of my Chase cards were closed, including my first credit card, the Chase Freedom. I reached out to Chase via XXXX and was replied and told to call a number. I called in the next day after getting the correct number from the Chase Social Media team from XXXX. on XXXX/XXXX/XXXX around XXXX and I was told that it was due to a periodic review and my account was deemed risky. It was because I had added and removed multiple authorized users across my accounts. They then asked who were these users and I had to explain to them that one is my roommate, then my parents. They also told me that I added and removed authorized user on my other card a while back. I explained to them that it was for a good friend of mine, we went to college together and she went for a graduation trip with her parents before she started her job at XXXX as a consultant. She went to XXXX and took a cruise to the XXXX, so she wanted to avoid the 3 % foreign transaction fee since she only had the Chase Freedom and the Chase Freedom Unlimited. The rep then told me that it was a misunderstanding and it was nothing about the spending. I just bought a computer for a friend and the shop had to refund it because it was on a XXXX holiday and the item did not ship yet. The rep told me that she would ask her supervisor to put my accounts for reinstatements and would be reviewed within 10 days. I was asked to call back on XXXX/XXXX/XXXX. I received a letter couple days ago with the account closure reason : Bank 's request to close the account, account not use as intended. Today on XXXX, I received a call from Chase but I could not get it since I was in class. Then during break, I called back and was told that they could not reinstate my accounts and they shall remain closed. I was told that the reason was when I added authorized users, I am helping them with their credits since they will be tagging along my good credit and that is not allowed. I then explained to them that that was not the purpose of adding them, the purpose was so they could enjoy the benefit of the card such as no foreign transaction fee. My parents used the cards a lot abroad since they are not based in the US. The rep then told me that it is also not allowed since that means the authorized users are using my benefits of the card. I was puzzled, if that was not allowed then why have the option to add an authorized user in the first place? Furthermore, I was not helping them to build credit, my parents and my roommate did not have any SSN, that was not the purpose. Furthermore, to the contrary, if I was trying to help them build credit like they accused me of, I would have kept them on my account after they did not need the cards any longer. The fact that I removed them from my accounts mean they do not need the cards any longer and I was not helping them to build credit. If that is the case, then all people who add authorized users such as their friends and family members should have their account closed. I then asked them if I can still apply for new cards in the future, they said yes but for now these existing cards that you have will remain closed. I also asked them if I add an authorized user in the future, would that be fine? The rep told me that it would risk my account to be closed again like this one. Then why give the ability to add authorized user in the first place? | ||||||
| 09/01/2016 | Yes |
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| I had applied for Chase XXXX Card ( business account ) in XXXX of 2016 under promotion offer of XXXX XXXX XXXX if I make purchase of {$3000.00} ( as per my recollection ) within first 3 months. I was issued the card on XXXX/XXXX/2016 and had met the requirement to get bonus miles even before required 3 months period. Every time I made the payment over the phone, I was assured by Chase representatives that I have met the requirements and I should see the bonus points next cycle as it may take up to XXXX90 days for the miles to show up on the account. I was assured by several representatives that there was absolutely no issue they can see regarding me getting those miles. This issue continued for several months until when I was making XXXX payment when I insisted that I need to speak with the supervisor to get a specific time line on when I will be receiving bonus miles. On speaking with the supervisor, I was informed that since I had received bonus miles under a different company, I was not eligible for the bonus miles. Supervisor apologized for misinformation given by his several agents and stated that he will address this with them. All he had to offer was his apology and expressed his lack of authority to offer the miles despite him agreeing with me that his agents should have told me about this when I first enquired about it. Despite my requesting for a phone number for corporate office, I was told that only way to contact them was to either email or send my complaint via postal service. I researched the contact number for Corporate office on internet and finally found it. On XXXX XXXX, 2016, I spoke with XXXX XXXX in Executive office who listened to my issue and transferred me to XXXX XXXX in Executive Office for credit card. XXXX XXXX did not sound helpful at all, repeated the same thing that his agents should have informed me about the policy sooner and that he will look into the issue further and get back with me in 3 days. I explained to him clearly that the current company which I am an officer of has not applied or gotten the bonus mile and has nothing to do with bonus mile for another company where I was XXXX of the managers. I also argued my point that the XXXX companies have XXXX different Tax ID numbers, they are XXXX different corporations and since companies do not have a social security number, the officer of the company has no choice but to put his/her social security number. I also reasoned that if you apply for a business credit card as an employee of XXXX company and if you change your job, then it does not make sense that you are barred from availing bonus offer as an employee applying for a card for a totally different company. I also reiterated that since all the conversations were recorded, he can listen to the conversation of last 6 months when I was assured that there was no issue and I will be receiving the miles offered at the time of application. I asked XXXX XXXX for the case number to which he stated that you can reference phone number XXXX ext XXXX. I received a call back from XXXX XXXX in 3 days, he stated that I had applied for credit card on line, I should have read the fine prints which states that the bonus points do not apply if credit card is applied within 2 years. I asked for the copy, but he told me to look on line. I asked if that fine print stated same business or clearly specified even if it were XXXX different/ unrelated business. XXXX XXXX paused, chose not to answer my question. He concluded the conversation stating that he apologizes for his representatives not letting me know this issue earlier and will make sure that they are trained. I am intrigued that despite acknowledging the mistake of his agents, he is not willing to make concessions for his customer. As a customer, I believe Chase should recognize their mistake and honor the offer. | ||||||
| 02/28/2017 | Yes |
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| Chase has made my life a living XXXX. Chase had lied to me during a mod request that the prior mod had wrong figures and increased arrears by using the wrong interest rates. Then XXXX of Chase bank flushed my file out when admitted he had received clarification of my P & L that I was a sole business not an LLC. This caused a wrongful Notice XXXX XXXX filed with a false affidavit that 30 Days had past when no days past as XXXX had my full file the very same date they accidently flushed and that was admitted to be wrong & promised to be corrected - however instead filed a Defective NOD of XX/XX/XXXX ' violating HBOR and had strung me along and transferred me out during an open review sending me to XXXX - in XX/XX/XXXX ' during the transfer this was disputed and has continued to be disputed. THE FIGURES ARE WRONGLY ACCRUED. And this faulty NOD caused massive harassment for now 4 years of straight back to back sale date threats regardless of any applicable laws. XXXX attempted to file a NTSD Sale Date threat During the window of transfer time. ( another violation of law ) then claimed Chase never gave them any prior files so that they use this as the excuse each time. This has caused massive abuses. This was a LOAN FROM XX/XX/XXXX ' that in XX/XX/XXXX ' XXXX said in order to rewrite loan ( market dropped at this time ) was to be in default and they 'd rewrite -- However instead all parties went under - XXXX went belly up. XXXX also went down and fell into hands of JP Morgan Chase Securities - under Chase Bank. Chase claimed to be owner however in XX/XX/XXXX ' the SEC states that side dealings occurred on these earlier than XX/XX/XXXX 'take over and I believe my loan was sold to an outside party NOT THE CURRENT ROUTE THAT IS BEING CREATED and stated to the Federal Courts and Regulators. Chase never fixed the promises and instead put me into hands of very abusive and collection mentality who have no comprehension of the laws= XXXX. Chase stated they were the Investor owner in XX/XX/XXXX XX/XX/XXXX ' until 3 lawsuits came out attacking Chase - then suddenly by a backdated non link in the chain of title - XXXX is claiming to own a security that is NOT TRUE -The FDIC states no it was Chase. However Chase has let new false and fake documents come to light including not only forged affidavits and assignments to wrong parties but now an allonge that is self created naming to be XXXX - this allonge makes no sense - making claims that by passed both XXXX and Chase - and XXXX also - then by a backdated fake assigned non linking claim to XXXX that was missing nearly 4 years going back and missing entire links in the chain. Now my file is completely bogus. Chase admitted that their was no real investor known. However released the 2nd lien and allowed this bogus claim of FAKE CLAIMS to be be made and appears that the attorney firms work closely with Chase using the same address. This has caused wrong figures of over XXXX in damages to have occurred by illegal harassment and constant sale date threats not following any laws and publishing time barred debt ( IF it even existed anymore ) Chase has not provided the true facts to XXXX and XXXX continues to act with forged notes lacks competency and continues to ignore the laws. This includes having threatened and caused 3rd parties to publish a debt that is no longer owed and it is believed that the figures claimed as owed are caused from Chase Bank 's allowing False Claims to be made by XXXX. XXXX fails to follow the laws and misrepresents details to homeowner, to Attorney 's and self directs dealings to cause libel and slander to title, and defame reputation and cause interferences due to publishing a false debt being claimed as owed. A debt that was written off in XX/XX/XXXX and was discharged in XX/XX/XXXX '. The fact that XXXX as Trustee for XXXX is BOGUS. | ||||||
| 09/01/2015 | Yes |
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| In 2007 I refinanced my house from a {$190000.00} mortgage to a {$250000.00} mortgage. I went through a third party mortgage agent XXXX XXXX of XXXX XXXX in XXXX, NY. At that time I was earning XXXX per week and had grown children who were living at home and were going to help with the payments. We used their income as well. It still was n't a ton of money but the payment would have been doable at the original agreed amount of {$1500.00} per month. The day after my approval I got a call from XXXX. He informed me that the payment has gone up and the new amount would be {$1700.00} but it included my taxes. The mortgage was through XXXX. We were fine with that. When it was time to sign the mortgage paper we met at XXXX in XXXX. XXXX told me there that my mortgage was now through Chase. The woman flipped through the pages for me to initial the bottom of each. I signed all the way through believing my payment was {$1700.00}. When I got to the last paper the total amount was shown to me. My monthly payment was {$2500.00} per month. There was no way my family could afford it. I looked at my mortgage broker and refused the check. He told me to keep it and he said he would fix it the next day. He did not fix it. I was never issued a rescinder paper that I did n't even know about. A few days later he put me on a three way call with who he claimed was a " Chase representative ''. They told me there is nothing they could do for me. XXXX XXXX actually passed the comment " What did you do to Chase? They do n't like you. '' I spent hours of having myself, my daughter and a friend on the phone with them trying to get help. They would not help. I paid the {$2500.00} per month as long as I could using the {$60000.00} I originally refused. In order to get help I had to stop paying my mortgage. It took 2 years to get a modification on top of fighting, having stress, crying, borrowing from my parents and ruining my credit. II was verbally abused by Chase employees who told me to just get a job. They yelled at my neighbor who answered my phone because they thought she was me and it was n't. At the time my friend worked for XXXX XXXX XXXX. I had her get on the phone, she was appalled by their behavior. I finally modified with the help of XXXX XXXX from Chase for a trial period at {$1500.00} per month. I successfully completed those and then had a payment of approximately {$1700.00}. I was doing well until my son in law which lives with us lost his job. I fell 2 months behind. I went to make the payment to Chase and was told that they no longer had my mortgage. A company XXXX bought it and sold it to XXXX and that I will be getting a paper in the mail. I then called XXXX to make a payment they informed me that I was a hundred and something days late. They would not accept my payment. They said I had to come up with {$7000.00}. I did not have it. I went back and forth with my loan specialist XXXX for months. When it got to XXXX I finally thought to mail a check anyway to see what happens. They cashed it. From then on I kept paying it as much as I could while I went through another modification. My original mortgage was {$190000.00} then refinance brought it to {$250000.00} then not being allowed to pay and incurring late fees from Chase and XXXX it is now {$300000.00}. I am again in a situation where I was late and my payment was refused and sent back. We live in New York and winters for a XXXX are tough. I fell behind and as soon as he went back to work, I paid. Now I am being told I need to pay {$13000.00} by this month to not go into foreclosure. I have asked everyone to borrow from them but no one has it. My credit is shot, I cant't get a loan. I am not going to lose my home of 30 years for {$13000.00}. I have XXXX and my daughter is XXXX and XXXX from this. XXXX and XXXX are out of the business. Please help. | ||||||
| 11/15/2016 | Yes |
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| On XX/XX/2016 I went directly into a Chase local branch. I submitted a claim against a merchant who drafted {$410.00} from my bank account without authorization. When I went in to the local branch on XXXX, a representative filed a claim on my behalf. She stated to me that I would receive a provisional credit within 24 hours while they investigated the fraud claim. 72 hours after my visit to the branch, I called Chase because I did not see a provisional credit like I was supposed to see. This was the first problem I had with this claim. I spoke with a representative who stated that the case was closed because I had supposedly told the representative when filing a claim that I allowed someone to use my card. This is simply not true. There are only XXXX employees in my company and all XXXX of us have our own individual business debit cards therefore there would be absolutely no reason for anybody to allow anyone else to use their own personal card. That was the second issue I had with Chase regarding this claim. After speaking more with the representative named XXXX, I explained to her that even the merchant themselves did not know why the charge was made and that it was wrongful and that I would be receiving a reimbursement back from them. Unfortunately, the reimbursement never came. XXXX then stated that she would be re-opening the case with the proper claim filing and that everything should be good to go. It was n't. Instead of everything being good to go, I get a fax on XX/XX/XXXX stating that the case had been resolved and that it was closed ... This was the third problem I had with Chase. I then call again to try and figure out what is going on and why I had n't received my provisional credit or why Chase keeps claiming my case was closed and I speak to a claims escalations senior representative by the name of XXXX. XXXX stated after our conversation that they had already contacted XXXX themselves directly and that they were giving the merchant 15 days from when I filed my initial claim on XX/XX/XXXX to reimburse me my money or else XXXX had approved a charge back and I would get my money back the day after XX/XX/XXXX. I did n't. That was the XXXX problem I had with Chase. I waited patiently a few more days since XX/XX/XXXX was a Friday and I figured I would get my money back by Monday the next week. Monday came and went. On Tuesday XX/XX/XXXX I call back and I am being given the runaround and am being told by Chase that they ca n't speak with me about this claim because I did n't give proper identifying information .... how convenient. Unfortunately for them I was fed up. I muscled my way to another escalations manager by the name of XXXX who is trying to tell me that my claim was never handled because I allowed someone to use my card ... again I muscled my way through that XXXX reason and got her to state that she would have to submit a claim because it was not submitted properly. I informed her that the claim was submitted on 3 prior occasions and if she means to tell me that I had to file a fourth claim that I was going to be filing a complaint against them with the OCC and the C.F.P.B. After a 40 minute conversation I finally got her to state that she is filing another claim and that I would receive my provisional credit within 12 business hours. It 's a shame that I no longer believe anything they say. Because I have had to spend close to 6 actual man hours attempting to get this resolved and have had to speak to multiple representatives who all had different answers and responses, I must file this complaint against Chase to you so that you hopefully see that what they are doing is ridiculous and outright wrong. Filing a claim of fraudulent charges should not be this difficult. If they are putting up this many road blocks for me, what are they doing with the less informed? | ||||||
| 08/17/2016 | Yes |
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| On XXXX XXXX my company sent XXXX people to XXXX on a business trip. My company banks at Chase Bank and we used XXXX of our Chase debit cards to book the travel. The card has a {$15000.00} a day charge limit and we were restricted when we tried to book travel plans by that limit ( we had to wait XXXX hours to book our travel expenses because they exceeded $ XXXX in XXXX day ). Subsequently, while in XXXX XXXX of our colleagues had their debit card information stolen. Chase sent me XXXX XXXX XXXX, the XXXX ) an account notice at XXXX XXXX on XXXX ( local time in XXXX ) to alert me there was suspicious activity. I immediately called Chase and alerted them that the charge or approx. {$250.00} at a massage parlor was fraudulent. They agreed to cancel that card and placed a fraud warning on the account. I have Chase 's text & email and proof of my call for proof. After I went to sleep we received another {$19000.00} in fraudulent charges on a second card on that account. This is the same card that had a {$150000.00} a day charge limit. The charges all came up in a 30 minute span starting at approx XXXX XXXX local time in XXXX at a massage parlor, XXXX house, clothing boutique and finance company. Upon waking up I immediately called Chase and alerted them these were all fraud. The cards are/where in the possession of my colleagues and as the first massage parlor charge was a fraud so were these {$19000.00} in charges. I was literally told " even though you called to alert us, we have to let them go through and you can then contest them ... '' These same identical charges showed up on my colleagues personal debit cards XXXX XXXX personally banks at Chase and the other at WF ). My colleagues called on their personal accounts and XXXX XXXX immediately cancelled the card and refunded the money. Chase on the other hand, gave my colleague the same run around. So the first question is XXXX Chase restricts legitimate customer charges on a card by the daily limit but lets crooks charge {$4000.00} more than the limit on a card. So our business account was fully depleted by these $ XXXX in charges but Chase would do nothing for the first 24 hours. I called nearly 7 times, filed an affidavit and pleaded that I had to pay for my employees hotels but Chase kept saying it would take a while. Frustrated, on XXXX XXXX at approximately XXXX XXXX XXXX XXXX XXXX after waiting 45 minutes I was told by a senior fraud representative ( named XXXX XXXX that the matter was resolved and I would receive a full refund of my company 's over {$19000.00} in fraudulent charges " within the hour. '' This was a recorded line by Chase. Over 6 hours later we were not refunded any monies so I called Chase 's fraud department again. This time I was ultimately put through to a guy named " XXXX '' in Chase 's fraud department. He introduced himself as another senior Chase fraud representative but would n't give me his last name or an id #. After 48 minutes, XXXX first implied I sound like a woman and then told me that " XXXX '' had lied and that they would not be refunding my company 's fraudulent charges within the hour he specified ( obviously ) nor would he have any time frame. After I complained that Chase is lying to customers he first told me that there was nothing I could do about it but then changed his tune when I told him we would file legal action against Chase including contacting the CFPB. XXXX then put me through to XXXX in the Chase Executive Office and miraculously XXXX all of a sudden was nice and assigned us a case # XXXX. As of the time of this claim my company is out over {$19000.00} in fraudulent charges ( that Chase was alerted regarding before they posted ), our account is showing as overdrawn and my employees are having to use their personal funds to eat. Our Chase business account number is XXXX. Please help. | ||||||
| 08/06/2015 | Yes |
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| The acct was opened in XX/XX/XXXX-26 years ago.Closed XXXX XXXX due to Chase negligence. In XXXX XXXX received letter from Chase " Final Notice : Unfortunately, we will close your account ( s ) if we do n't hear from you-XX/XX/XXXX '' ; I never received a notice prior to the above mentioned. I called Chase customer svc and was advised that they need to verify the SSN # for the secondary account holder. Inquiry why, as the information was on file & the account was open a long time. The representative informed me the information was not on file and I need to provide to prevent closure. Advise I will go into the XXXX as this is impossible. Went into the XXXX XXXX XXXX & spoke to my account banker, XXXX to inquire why this information was needed when it was on file. She advised she will speak to her mgr. & they will look into the matter to see what happened. I was informed that due to a system conversion the information was lost. Filled out the forms ( XXXX & XXXX ) that were received with the letter in XXXX and gave them to the mgr at the XXXX The mgr gave the documents to an account banker who put them into an envelope and said she will send them out. The following Monday I spoke to XXXX and she advised the mgr told her I brought the documents in. I considered this matter rectify. Received a letter from Chase dtd XXXX XXXX, XXXX advising " We recently noticed unusual activity on your account or we have n't received information we requested from you about certain transactions ''. Since I have not received any request for information regarding any transactions I immediately called Chase as I thought someone got into my account. The representative informed me that the letter is in regards to requested information. Requested to know what information he was referring to. Advise him I received a letter in XXXX regarding this matter and the information was provided. Also requested to know why the letter dated XXXX/XXXX/XXXX was sent as it was miss leading. He proceeded to say no letter was sent in XXXX XXXX that a letter was sent in XXXX XXXX requesting this information and no documents was received. Advise him I will contact the branch. Spoke to XXXX to inquire what was going on and she informed me that she will get back to me. Received a called from XXXX advising the account was closed and a ck was mailed. Requested to know why the account was closed when the information was provided. She said she needed to speak to hear manager but she was on vacation. She also spoke to the customer banker whom the manager gave the documents to & she confirmed the documents were mailed. Called & spoke to the mgr. and she confirmed getting the documents from me. She advised to call the escalation dept. Informed all parties that my account was opened in XXXX ( 26years ago ) and XXXX regulations stipulate accounts prior to XXXX are not governed by the rule. On XXXX XXXX I called Customer service & was transfer to XXXX & I spoke to him about closure of my account. He informed me ck # XXXX was sent out. Advised him I have not receive any check and my account should have not been closed as the infor. was provided in XXXX to the XXXX XXXX XXXX took details and informed me he will get back to me. Received a call from XXXX advising he is working on this matter with his mgr & they have contacted the XXXX & it will take a few days and he will get back to me. I have not heard from XXXX but I received a letter from from Chase on XXXX, XXXX dtd XXXX XXXX, XXXX, advising that " as discussed and agreed, your inq.has been resolved. This claim is considered closed ''. I have not spoken to any so I do n't know why this letter was sent. Called Chase, on XXXX XXXX, XXXX @ XXXX to inquire about letter. Per conversation with XXXX, the msg was system generated due to claim.I still can not get an answer from anyone regarding my money. | ||||||
| 06/14/2015 | Yes |
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| Regarding : [ Case number : XXXX ] To whom it may concern, Apparently my last complaint letter to the consumer protection federal agency did not go well with Chase Bank. Today XXXX XXXX, 2015. I received a letter from Chase advising me my account will be closed and all funds will basically be frozen for another 2 weeks until someone decides to mail me a check. The letter indicates " we noticed unusual activity on your account or we have n't received information we requested from you about certain transactions ''. I would like to clarify at this time Chase has NOT request any information from myself whether verbally or formerly. The only thing I have from Chase at this time is this letter, which was probably written and mail in last day or 2 and back dated to XXXX XXXX. After receiving the mail today I promptly contacted Chase and spoke to a representative which connected me to a CHASE fraud specialist. The fraud specialist advised me according to the notes on my checking account XXXX ; I must take my tenant ( who does not bank with CHASE ) to a CHASE branch and force her to perform some transaction in the branch in addition to my tenant and myself providing XXXX forms of ID to a CHASE Bank representative to confirm our identities ; and if I did not do this my account would be closed in 10 days and funds frozen, ( I 'm not sure when the 10 day countdown started ). I asked the specialist why CHASE would do this if the tenant or XXXX did not complain of any fraud and especially since CHASE has already received the funds from the tenant account. The representative advised me she does not see any information the funds was in CHASE possession or in my account she advised she believed the funds was still with XXXX, however my tenant did confirm with XXXX XXXX XXXX that the funds were in fact paid or withdrawn from her account on Friday XXXX XXXX, 2015 to CHASE Bank. The facts thus far are 1. CHASE is erroneously accusing me of fraud without any proof of fraud. 1. A valid and honorable XXXX XXXX XXXX check from my tenant was deposited by myself to my CHASE account XXXX and neither my tenant nor XXXX XXXX XXXX is claiming any fraudulent activity after 8 days has past. 2. CHASE Bank is demanding I drag my tenant who is not a CHASE customer to a CHASE Branch and force her and myself to show XXXX pieces of identification to a Bank representative in addition to my tenant performing a transaction at the CHASE branch to show she can authenticate to her XXXX XXXX XXXX account from the CHASE branch. " OR ELSE '' in addition to them closing my account my funds will be frozen. What happens when I drag my tenant to CHASE as they are demanding and show all the ID 's they want and she does her transaction there as they demand, what then will they be happy or feel better about themselves? And what after that? Do they pretend they did n't put me through hoops for no reason? What happens when I get another tenant which does not bank with Chase and pays me {$3500.00} in XXXX month rent and security deposit for an apartment for the XXXX time on CHASE file? Will I be accused of being a fraud again? After all this is the second time in last 3 years I 'm experiencing this with Chase and this particular CHASE branch at XXXX XXXX XXXX it seems to me CHASE does not clear the smoke of past erroneous information they may have added to my account so even after I clear up this situation, this behavior of unprofessionalism may continue and when 'myself ' the customer debunks all the myth the Chase Loss prevention worker has put on my account, it appears to me CHASE loss prevention employee 's have an attitude of 'oh well '. Now I 'm being put in the absolute worst situation at the XXXX hour with a mortgage that 's due and XXXX credit cards and a student loan payment that 's due and all I have to show is a frozen account. | ||||||
| 04/26/2022 | Yes |
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| I ordered a pair of chaises from XXXX XXXX XXXX ( XXXX ) in XXXX, Texas on XX/XX/XXXX and they were delivered on XX/XX/XXXX. One piece was a new one wrapped in a clear plastic but the other piece was wrapped with blue blankets all over to conceal that it was not new, but a defective floor model with a hole underneath and pre-installed legs that looked very dirty and worn out. I did not know until I moved both of them into my living room and saw the differences. Obviously, XXXX intentionally cheated on me by concealing one piece in the blue blankets despite the fact that I paid for the full price of the new products on both pieces. What happened next was more interesting than what had happened previously because XXXX was supposed to schedule a replacement delivery to do an exchange and XXXX failed to do so in all 3 occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first exchange delivery was failed because the replacement item was damaged badly with a bigger hole than the one I had previously and with a dirty XXXX streak on the fabric. XXXX also had no show on the 2 subsequent scheduled replacement deliveries. At this point, I was exhausted with this company so I asked for an adjustment on the defective item since I could no longer spending 3 days to wait for many hours for an exchange delivery that would never happen. On XX/XX/XXXX, we entered into an agreement that I would keep the defective piece and waive the warranty on both chaises in exchange for {$430.00} discount. The full price of a new chaise is {$970.00} which is a pending dispute that I placed on my credit card. With the discount of {$430.00}, I would have paid for {$540.00} ( XXXX ). However, on XX/XX/XXXX, XXXX contacted my credit card company, JP Morgan Chase, and let them know that we resolved this issue without mentioning the discount of {$430.00}. My credit card failed to validate with me and chose to release the full payment to XXXX without my consent. As the result, I would pay for a brand new chaise ( {$970.00} ) but actually received the defective chaise which is worth {$540.00}. I called JP Morgan 10 times to resolve this issue but was being retaliated for doing it. The customer specialist who closed my case without my consent was XXXX. XXXX told me not to worry and that I could always reopen the dispute again even though he closed it. XXXX promised me to call me back on XX/XX/XXXX before he closed my case but he never did. When I talked to the supervisor, XXXX XXXX. He was lazy and refused to help me. At first, he told me to reopen my case by faxing a new letter and I did on XX/XX/XXXX. He also misinformed me that I must do it by faxing only but I called back and XXXX helped me to do it through online uploading documents via Chase.com. XXXX was very helpful and stayed with me until she confirmed that she received my documents. A week later, I found out that a new dispute for {$430.00} was reopened for me by XXXX but this same amount was recharged back on my account again so basically I was back to square one again. On XX/XX/XXXX, I once again prepared documents along with several pictures and sent them to Chase. I called this morning to follow up and when I spoke to XXXX XXXX. He was not helpful at all and refused to help me with anything. XXXX was rude with a lot of attitude and I am very surprised that he could be a supervisor. He told me that no matter what I do, it would not change the outcome so I asked him why did you tell me to reopen the dispute on XX/XX/XXXX when you knew that it would not work? I asked him about the standard procedure and walked me through the process so that I could understand it and he refused. I felt like I was bothering him and he just wanted me to leave him alone. This guy had no customer service in his gene to be able to be a supervisor in the dispute department at Chase! | ||||||
| 04/29/2019 | Yes |
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Web | Servicemember |
| Chase Bank Dispute # XXXX To Whom it May Concern, XXXX XXXX , XXXX is an American veteran-owned company. Several months ago, we were informed by a Chase bank representative that a services dispute with a vendor, XXXX, had been resolved ; however, I received another billing statement and found that we had been re-billed. In fact, this happened twice. We made an inquiry and was told that XXXX had submitted a rebuttal in an arbitration process of which we weren't part of the process. We never received a copy of the rebuttal nor were we able to respond to their unfounded statements until it reappeared. The business relationship with XXXX started out with promise. Our management team saw an opportunity to scale our company and to hire military spouses as salespeople. XXXX was a 'new ' hiring company in the military spouse community and we reached out to them to see if they could help our company. It was a pleasant meeting and after hearing our sales needs, we were given two options of what they could do for us : # 1 ) XXXX would hire qualified sales people and XXXX XXXX would train and manage them ... or, # 2 ) XXXX would hire qualified sales people and XXXX would train, manage, and/or replace any of them for sales non-performance. We chose Option # 2. The program was to last for 90-days, the first 30-days would be to hone the sales program, vet, hire and train a sales team of qualified individuals. The next 60-days would be a boots-on-the ground cold-calling sales effort. XXXX did manage to hire some people ( 5 out of the original 8 we had agreed upon ). We paid them {$4000.00} ( {$800.00} per hire ) using our Chase Bank corporate credit card. Within a very short period of time, it became evident that they did not hire qualified people nor train or manage them as they had promised in the agreement. Additionally, XXXX did not give us the full 60-days of sales efforts as promised in the written contract. And further, the issue ( character assassination ) they later raised in an arbitration filing ( which we were not notified of ) had no legal bearing on the dispute itself. Our dispute with Chase Bank is about XXXX ' poor quality-of-service and lack of performance. It was always about finding, training, and managing the right sales people, not about waiting for credit card machines or clouding the real issue with personal attacks. XXXX ' practices were fraudulent from the beginning. They never had any intention of providing the services as we had agreed to and paid for. The lack of performance by the salespeople they found is concrete evidence that they did not properly vet, train, or manage any of the people they provided as sales people. In fact, the company ( XXXX ) has re-branded under a different corporate name and no longer provides the services they had promised us in our business relationship. We made a complaint with Chase Bank who reversed the charges in our favor, not once, but twice. However, they re-billed the charges both times without explanation or notification as to why. The reversed charges just appeared on our billing statements. Recently, we were told that we no longer had any recourse to dispute because we had reached a 118-day timeline in their process. We were never told that there was a 118-day dispute period. We believe this is a process breakdown and not about the merits of our dispute. All of our points were clearly outlined in the dispute packet we sent to Chase. We believe Chase has aided and abetted a company selling false goods and services and is using the unknown 118-day timeline criteria as a means to not take responsibility. This leads us to wonder why the dispute was reversed twice in our favor and twice in their favor. Chase 's " waffling '' has hurt my credit rating and is restricting the trade of our business to secure more operating capital. | ||||||
| 02/04/2017 | Yes |
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| I have maintained my checking account with Chase Bank ( formerly Bank One ) in good standing since XX/XX/XXXX. On XX/XX/XXXX, I deposited a check in the amount of {$1800.00} to my checking account at the local Chase Bank branch located on XXXX in XXXX, WI. The check came from someone I had sold an item to over XXXX. It was over the amount of the item sold by {$1600.00}, the buyer was moving to where I live, and I was asked by the buyer to send the remaining amount back to the buyer 's moving company. The buyer repeatedly asked me if she could trust me with the extra money, and I told her that she could trust me as long as her check cleared. Since I did not know the buyer, I wanted to be certain that the funds were in my account before I sent any money. I visited my local branch on XX/XX/XXXX and explained the situation to the Bank Manager, XXXX, and asked for his advice on when it would be safe for me to send the money. His advice was to not send any money until Chase Bank had collected the funds, and funds had been deposited to my account. He told me to check back later in the day or the next day. I called the Chase Bank toll free number the next morning and was told that funds had been collected and deposited into my account, and it was safe for me to send the money. I then visited my local branch where a teller ( XXXX ) confirmed this information. She explained that she could now verify that funds had been physically collected from the issuing bank and been deposited into my account. She assured me that it was now safe for me to send the money. Upon getting this confirmation in person, I withdrew {$1600.00} from my checking account and sent it to the moving company via XXXX on XX/XX/XXXX The next morning, XX/XX/XXXX, I found out that Chase had withdrawn the money from my account as the check had bounced. I immediately visited the Bank Manager to inquire about what had happened. After looking into it he informed me that the check was indeed fraudulent and had bounced. He said that even though they had confirmed that money had been collected and deposited into my account, the bank had a right to withdraw funds from my account. He told me that the bank bears no responsibility for bounced checks, and that there was nothing further they could do to assist me. I asked him why I was not provided this information earlier when I had repeatedly asked for it. He had no answer for me, and instead scrambled to look for bank policies. After discussing with other managers, he provided me with highlighted bank policy, which he said was given to me when I opened the account, which was almost 30 years ago. I later filed a complaint with Chase Corporate office, and after a few days I was informed that everything was handled appropriately, that bank policies are listed in the deposit agreement, and that bank officials were not obligated to provide me with the information I had repeatedly requested. I believe I did the due diligence on my part to protect myself from this fraudulent transaction. I trusted my bank to protect my interests, but even after my repeated inquiries, the Bank Manager and rest of bank staff failed to inform me of applicable bank policies. They only looked for bank policies after funds had already been sent and the check had bounced, and informed me that it was my responsibility to be aware of the policies. I believe that it was bank staff 's responsibility to provide me this information, especially after I had repeatedly asked them for bank policies on when it would be safe for me to send the money. I believe the reason I was not provided this information is because the Bank Manager and rest of the bank staff were either not aware of these policies themselves due to inadequate training on bank policies regarding fraudulent transactions, or they dealt with me with negligence. | ||||||
| 01/31/2017 | Yes |
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| On XX/XX/XXXX I applied for a HAMP Loan Modification via a RMA form with JP Morgan Chase. This RMA was sent from my home via Fax. This was a COMPLETE application that included proof of occupancy, proof of income and assets as of XX/XX/XXXX. The HAMP guidelines applicable in XX/XX/XXXX downloaded from the Chase website is attached. Under this program, JP Morgan Chase was obligated under to do the following : 1. Do a property valuation -- which through their own admission they have n't done. 2. Do an NPV test -- which through their own admission they did not do and have no record of it. In addition, my RMA application indicated that I had borrowed $ XXXX to make those asset investments which they have failed to take into account via their NPV tool. 3. They had the obligation to retain all RMA documentation based on Home Affordable Modification Program Guidelines XX/XX/XXXX -- Clearly they did not retain documents of XXXX but they seem to have all other documents prior to XXXX. I allege JP Morgan Chase has committed fraud and denied me a loan modification by violating the terms of the MHA program as well as their own guidelines. If the $ XXXX cash reserve threshold was appropriate, then I should have got my Denial letter by XX/XX/XXXX. Instead they maliciously delayed the XXXX letter until XX/XX/XXXX ( see attached ) and not XX/XX/XXXX as they claimed in their forged Denial letter of XX/XX/XXXX ( see attached ). Because my RMA application had assets greater than 25K and my application included Retirement assets, they decided to delay my denial. Moreover, the $ XXXX hardship threshold of cash reserves used as denial criteria was implemented only in XXXX via XXXX Announcement XXXX XX/XX/XXXX ( see attached ). I was displaced from my home that I had spent $ XXXX to renovate, only to be maliciously denied loan assistance at a time when I needed it most and when I could have met the front-end and back-end DTI. Around XXXX of XXXX JP Morgan Chase acquired Washington Mutual. Via this acquisition, they acquired information of some of my additional assets and income. In their reply of XX/XX/XXXX they are misrepresenting and misleading that they had to wait for verification of XXXX asset info and home occupancy or property tax bill. All of these were faxed XX/XX/XXXX. The intent behind the delay in processing my RMA application of XX/XX/XXXX was to wait for the appropriate time to deny a loan modification in lieu of a loan refinance with additional costs. They then used this new information and abused and exploited my RMA application and especially the assets submitted and used this information to wait silently until they could offer me a loan refinance via their CORRECTED Denial letter of XX/XX/XXXX ( see attached ). In this Denial letter somehow I overcame the alleged hardship threshold of $ XXXX ( being the primary denial reason earlier ). See attached. In XXXX, I was targeted with deceptive HARP-refinance promotions ( see attached ) that were mailed to me via USPS Priority Mail. Once again these were designed to refinance my loan when a lower interest rate would not have any benefit for me. This was designed to enrich themselves unjustly by disguising it as a HARP offer even though my LTV in XXXX was well below 80 %. I contacted the bank at least 4 times and 1 personal visit to the bank and was denied any assistance and neither did they make me aware of other assistance options. This pattern of proactively seeking out a refinance was a means to unjustly enrich JP Morgan Chase at my peril and loss of means to be financially self-sufficient. JP Morgan Chase is denying wrongdoing and abuse without any evidence and records. As a result of this unjust and fraudulent denial of a loan modification of XXXX, I have overpaid in interest and I also allege discrimination. | ||||||
| 01/01/2017 | Yes |
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| XX/XX/XXXX, when the recession began, I lost my job as a foreman for a new housing construction company. We know now about the cause of the recession, the greed and fraud, the taxpayer bailouts and the " slap on the hand '' punishment, etc ... XX/XX/XXXX I signed my mortgage papers with J.P. Morgan Chase Bank ( # XXXX ). They caused my job to end through their fraudulent, greed-filled actions. They defaulted on the mortgage loan. XX/XX/XXXX, after exhausting all savings, I contacted Chase to pursue a loan modification. According to Chase, this required payments to be up to date, including arears, and one year of payments without being late. So, following the information from the ever-growing stack of " Act 91 '' foreclosure notices, I applied and received assistance from the Homeowners Emergency Mortgage Assistance Program ( HEMAP, # XXXX ) through the Pennsylvania housing finance agency XX/XX/XXXX. Although the state made my monthly mortgage payments, Chase said that I was late with a required monthly payment which disqualified me from the Home Affordable Modification Program ( HAMP ). The state said they paid on time and faxed me the payment history. Chase ignored and told me to continue making " on time '' payments. Then there are the " Statement of Ineligibility for Loan Modification '' letters that arrive telling me that I do n't qualify because my payments are current. At the same time they would continue to send " Act 91 '' foreclosure notices. ( I thought that they could n't send those if you were participating in the HEMAP program, I guess I was wrong ) This is a classic example of stupidity used as a successful tool. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have had many " Relationship Managers '' that continually stressed our " relationship '' by managing to ask for duplicate ( Home Affordable Modification ) paperwork monthly! Another classic example. They made quite the fool out of me, and I have every copy to prove it. In order to keep my home, while making every effort to accommodate Chase, I used the Veterans Retraining Assistance Program ( VRAP ) money to live on while obtaining student loans to go to school for a year, possibly to help me acquire meaningful employment. I did acquire a XXXX degree in XXXX XXXX, or as commonly referred to, a piece of poor mans ' toilet paper. And a {$10000.00} student loan bill. XX/XX/XXXX I received from Chase a letter stating that I am ineligible for a loan modification because ; " The investor/guarantor/insurer who has the right to specify loss mitigation options with respect to your loan will not permit loan modifications. '' I wonder if that was part of the federal guidelines that Chase agreed to when they agreed to participate in the HAMP program? I decided that I can no longer afford to stay and that I am fighting a losing battle to keep my home. Now that the fine fraudulent folks at Chase have done their part in creating an " underwater '' real estate market, I wanted to attempt to short sale the property. Now, however, my dealings were to be with XXXX because the servicing, or the loan itself, was transferred to them ... maybe. I 'm not sure because I have conflicting paperwork from Chase. It seems as if they are trying to cover something. Maybe their hind quarters. In any case, XXXX ( loan # XXXX ) would not communicate with my broker to pursue a short sale and continued to send me additional " Act 91 '' valentines. I moved out after giving notice XX/XX/XXXX. My family moved in with my uncle until I could find work and a place to live. Seriously bad times and I blame it squarely on Chase. Not only did I lose a great job and my home, but now I 'm further in debt to the state ( {$26000.00} ), owe student loans for worthless schooling ( {$10000.00} ) and my credit now allows the parasites and vampires ( insurance, utility compan | ||||||
| 09/20/2015 | Yes |
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| Per the advice of an account executive I walked into a Chase Branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX in order to speak with a banker, manager, or supervisor to expedite the process of a claim. I was asked by a banker my reason for coming in and I let her know that I was there to talk about a claim I had filed. She said they do n't handle claims. I then let her know that I was told to come in per the advice of the executive office and I asked her if there was a manager I could talk to. She said she was XXXX of the managers and I was happy to hear that. I assumed that I would be talking with her about my issue. I waited and was then called into an office by an officer by the name of XXXX XXXX XXXX. I let her know my situation in detail while she used identifying information and my bank card to look into my issue. After telling her my situation she rudely repeated what I said using " air quotations '' with her fingers. I was absolutely mortified and felt like a criminal for going into my bank to get help with something out of my control. Over the next XXXX minutes she begin to let me know that I was lucky they have n't closed my account and that it was n't her money so it 's really not her concern. I have never heard such harsh words from a banker. She called the claims department for me and even informed XXXX that my situation was a scam while I was sitting there. I have never had my account compromised by fraudulent activity and with this being my first experience it was horrifying. I began to cry in her office as I asked her how was I supposed to pay my bills and buy groceries over the weekend. She then began to berate me for not catching it soon enough and for calling the wrong department and said that I should have called the fraud department. I let her know in tears that if I would have known any of this information I would have followed the proper steps. A large sum of money had been stolen from my account in a completely different city and state but somehow I walked into a bank that I trusted and came out feeling like a criminal. I then asked her should I get another account because I have direct deposit. I was now concerned about the account being closed. She said no that I would have to wait. I asked her if it would be okay to use my card and she let me know to hold off until things settled down. She ended our meeting asking me personal questions about my annuity and wanted to know information about it. She then said she does n't get annuities. As an XXXX and XXXX I have never been treated like such a criminal. I then decided to go to another Chase Bank at XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX handled my situation and was able to expedite the process. He called claims and let me know my money would be returned but to check and call if they have n't returned it by XXXX. He was absolutely amazing and fought for my rights as a customer. He let the claims department know that if they verbally stated that my money would be returned then they should have honored that because people need money. He was an angel. I later called claims to check on the process and found out that XXXX XXXX XXXX had placed a restriction on my account although she assured me that things were being reviewed. I was informed that I simply needed to open a new account since mine had been compromised but at this point I could n't because the bank was closed. XXXX in the claims department agreed that I should have been informed of this information by XXXX XXXX XXXX but instead she had taken it upon herself to not only treat me like a criminal but lie to me after I trusted her to take care of me as a customer. XXXX never let me know that she had the control to place a restriction on my account otherwise while I was there I would have opened a new XXXX and been able to have food over the weekend. | ||||||
| 04/01/2015 | Yes |
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| XXXX XXXX, 2015 both my checking and saving accounts where closed with out notice by Chase bank. The suspension of my account was noticed due to restriction of access to my account via Chase 's mobile app. Upon calling chases customer service I was informed that " chase has the right to end any business relationship at anytime " and was not informed as to why my account was closed and instructed to wait for explanation via mail. Unsatisfied with that option I proceeded to be serviced with better customer service and explanation. After multiple calls to find a better explanation to the closing of my account i was told that my account was closed for XXXX party deposits and my case would be closed and my remaining balance would be mailed within XXXX business days. XXXX XXXX i contacted Chase XXXX department again to be updated on my funds and was then told my account was now closed but my funds would not be released to me until I had verification from my XXXX persons XXXX party deposits. XXXX XXXX my third party stepped into a chase branch in south holland Illinois providing verification for the deposit to branch manager XXXX XXXX. XXXX XXXX, the XXXX of the XXXX persons stepped into a branch in XXXX Illinois providing verification to branch manager XXXX, contact number XXXX. After this information was provided to Chase I contacted them to verify that the information was received which they confirmed and then instructed me to wait an additional XXXX to XXXX business days and my money would be sent to my home address on file. XXXX XXXX I again contacted the lost prevention office and was told that my funds where still suspended and had not been released and that it would take an additional 45 days. At this point i am extremely upset and contacted the executive office. Once I reached the executive office service line i was told that that process will be expedited and I my case was assigned to XXXX at extension XXXX. I did not speak to him this day. But was told that i would receive a call and update on my check by Friday. I never received a call. XXXX XXXX, after still no phone call i decided to call the office, seeing that this process has taken almost a month. After speaking to XXXX XXXX was vaguely told that my money was sent back to the IRS and that i should contact them. Thats it, Thats all. Numerous times I attempted to ask for more information, why was my money sent to the IRS. Who should i contact. what is the tracking number?, where is a statement in writing that is has been sent there because I have not received anything!!! XXXX was unresponsive and i ended the call in a attempt to speak with another representative that could better explain to me that situation. I called back and was informed that I could not speak to anyone else regarding my issue. XXXX XXXX rudely told me that there is not tracking on your check and no information I can provide to you. contact that irs. to say what?! " hey chase said you have my check, can i have it back? ". NO HELP AT ALL. Still unsatisfied I called back again to speak with XXXX XXXX. XXXX was very helpful though my issue is still not resolved.! He placed me on hold to gain better details on the situation from XXXX, who has not returned my phone calls even after leaving voice messages. XXXX told me that the case was still under review and XXXX had not provided a solution yet. SO WHY DID HE DISMISS ME CLAIMING THAT MY MONEY WAS SENT TO THE IRS AND ACTUALLY CHASE STILL HAS IT?? I have complied with everything that chase has asked me to do as fair as verifying all activity on my account. NONE OF WHICH IS FRAUDULENT and they have yet to send me my money or provide a time frame in which this matter will be handled. I have been told numerous stories and there is no certainty to anything these people say! i feel as if my money has been stolen from me! | ||||||
| 10/04/2015 | Yes |
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Web | Older American |
| Chase fraudulent foreclosed on me by stating I failed 2make my payments. Chase refused all my monthly payments from XX/XX/XXXX to XXXX XX/XX/XXXX saying theycould not accept my payments while in loan modificatioI was still in active loan modification when they foreclosedon me as I was waiting to hear a response to my " Noticeto Dispute the Dismissal of Loan Modification # XXXX and/orReinstatement of Loan Modification # XXXX. " Chase did notrespond to my " Notice to Dispute the Dismissal and/orReinstatement et al '' until AFTER they foreclosed on me. Chase offered the " Dismissed Loan Modification # XXXX '' to me AGAIN ( with the wrong figures in tact ) AFTER theyforeclosed on me.Chase did not follow loan & loanmodification rules, regulations, procedures, includingRESPA, Local, State & Federal Laws protecting thisconsumer including the Dodd-Frank Wall Street Reform & Consumer Protection Act. Chase also failed to giveme an itemized list of the fourteen ( 14 ) years they addedto loan Modification # XXXX in XX/XX/XXXX to include the amount & rates & also failed to explain to homeowner how theyderived at adding 14 more years to her loan when I wasnot behind in principal & interest.Chase simply put downa year of " XX/XX/XXXX '' which clearly was lost in translation & without any explanation as to how they derived adding14 years when homeowner was not behind in principal & interest. Chase told me escrow was not allowed to beadded to the end of the loan therefore homeowner wantedto know exactly what did they add to her loan to comeup with 14 additional years onto her 30 year fixed loan. If I was not behind & even it I were to be behind one ( 1 ) month that would have calculated to approx. {$460.00} asthat was my monthly mortgage note at the time asEscrow had not been included in my monthly note untilafter the Loan Modification was completed. I was alsorequired to make an additional lump sum EscrowPayment to Chase. So how did they come up with 14more years added to the loan? Homeowner fearsadditional fraud has been done to her loan in LoanModification # XXXX ( XX/XX/XXXX ) as well. Again, why is Chaserefusing to replace her data/documents from XX/XX/XXXX to XX/XX/XXXX much less the data/documents XX/XX/XXXX to XX/XX/XXXX for homeowner 's access. They have kept her data & documents from her accountsince the closing of her loan in XX/XX/XXXX.Homeowner & her housing counselor had no access to her accountdata/documents to work off of for loan modification # XXXX & Chase refused to return data/documents throughpresent day.They have now removed ALL her data/documents from her account so she has NO access toanything. Chase has left ONLY her name which is alsoincorrect as it does not show her complete legal lastname.Chase Executive Offices refused to change theincorrect figures submitted to the Underwriters statingthe Underwriter 's calculations were correct. Yes, thecalculations were correct BUT the figures given & usedby the XXXX Underwriters ( JP Morgan ChasePaid Employees ) were given to them by Chase 's EscroAnalysis which was incorrect as it did not reflect propercredits due to the homeowner since she paid off XX/XX/XXXXEscrow in lump sum in XX/XX/XXXX & continued to makemonthly over-payments including additional Escrow inher monthly mortgage note. Chase is being " sarcastic '' per se by continuing to back the Underwriters figuresas correct as calculated but had they been given thecorrect Escrow figures this would not have been anissue for homeowner. But Chase refused to give theUnderwriters the correct figures by easily running anew escrow analysis like XXXX XXXX planned. TheEscrow Analysis they used was XX/XX/XXXX & theModification was not done until XX/XX/XXXX. Seeletter to Chase Atty XXXX XXXX, Notice to Dispute theDismissed Modification # XXXX, Summary of Actions, Monthly Payment Details | ||||||
| 06/15/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$2600.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. On XX/XX/2023 I sent an electronic transfer ( NOT a pay by mail nor a pay by check ) from my Chase account in the amount of {$980.00} to a XXXX XXXX XXXXXXXX account number with the Payee Name being " XXXX XXXX XXXXXXXX ''. These funds were never received by the intended account holder at XXXX XXXX XXXXXXXX. The account holder at XXXX XXXX XXXX is my landlord. I received the bank name, my landlord 's name, their XXXX XXXX XXXXXXXX account and their routing number in my lease. I know that all of the information just listed above for my landlord is correct because in order to pay my rent I have been depositing cash into the XXXX XXXX XXXXXXXX account listed in our lease given to me by our landlord. What I was able to find with XXXX and XXXX XXXX XXXXXXXX is that MY ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the personal name of my landlord. The actual name on the account is for a business. The business belongs to my landlord. So, the funds were sent to the CORRECT bank ( XXXX XXXX XXXXXXXX ) with the CORRECT account number ( account number listed correctly on lease, currently the account number that I use to deposit cash for our monthly rent, my landlord has verified that they are receiving all of my cash deposits ) BUT... Instead of being the correct name listed on the lease it was simply " XXXX XXXX XXXX '' as the payee name. Here is where it gets a little difficult... The landlord has a property XXXX who uses a different bank, that bank is XXXX XXXX Bank here in XXXX, Texas. I input the correct account number for XXXX XXXX Bank but committed the SAME ERROR ... instead of putting the property XXXX 's name, I input " XXXX XXXXXXXX XXXX ''. XXXX Bank RETURNED the funds to my XXXX account within a week stating " The Payee name did NOT match the account number ''. Unfortunately, XXXX XXXX XXXX does not have the same type of error/return system. I have spent XXXX hours trying to fix this issue. I have called XXXX numerous times and I have discussed this problem with XXXX DIFFERENT REPRESENTATIVES all of whom gave conflicting information and stated " there isn't anything that we can do '' and I filed a case at the XXXX level. The XXXX representative at the XXXX level stated that " XXXX XXXX XXXXXXXX is notoriously difficult to get things resolved ''. At the XXXX level, XXXX also stated that " there isn't anything that we can do ''. I also talked to a XXXX XXXX here at XXXX in the XXXX, Texas who was extremely helpful but could not resolve the issue. I called XXXX different people at XXXX XXXX XXXX ( with XXXX XXXX XXXX I received XXXX different responses from these XXXX representatives all of whom stated " there isn't anything that we can do '' ) over the last month and finally spoke with a XXXX XXXX XXXXXXXX XXXX at a XXXX XXXX XXXXXXXX XXXX here in XXXX, Texas because again I was having such difficulty with this. Here are facts that I know to be true : XXXX. XXXX sent the funds from my account to XXXX XXXXXXXX XXXX ( I do NOT have them anymore ) XXXX. The recipient bank name ( XXXX XXXX XXXXXXXX ), the account number ( verified by me and landlord multiple times ) and amounts were all correct. XXXX. My ERROR was inputting " XXXX XXXX XXXXXXXX '' instead of the landlord 's name on the XXXX platforms Payee Name section for online electronic payments. XXXX. My landlord and multiple representatives at XXXX XXXX XXXXXXXX have stated that my landlord 's account has NOT received these funds. I have been told by XXXX of the largest banks in the United States that they do not know where my money is and they CAN NOT help me in anyway. | ||||||
| 09/27/2016 | Yes |
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| I attempted to complete an International Wire Transfer to my brother-in-law in XXXX from my Chase Bank Account and was denied access to do so. I first signed myself up for the Wire Transfer Service online. I entered in all of the relevant data including the XXXX XXXX, my brother-in-law 's full name, personal address in XXXX, Bank Account Number, and Bank Name and Address for my brother-in-law 's Bank Account at a reputable XXXX Bank called XXXX. I was given an error code when I attempted to initiate the wire transfer from my Chase Business Account and when I called the online support number, was told it was because the terms of this specific account would not allow me to use it as the " Wire From '' Account. I then asked if I should attempt to do so from my personal account and was told by the telephone representative " not to bother because it would n't be allowed to go through '' that " XXXX is an XXXX country ''. Amazingly when I looked up XXXX Countries AND Sanctions, XXXX was not on any of the lists? I was then told that I HAD TO go into a Chase Bank Branch to have a Banker help with my wire transfer transaction. I informed them that I felt discriminated against and why would they not allow my wire transfer to go through via the online portal? They gave me XXXX explanation. I then informed them that I would not pay one cent over the online wire fee of {$40.00} because it seemed like an attempt to make me pay the in-branch {$50.00} wire transfer fee and essentially inconvenience me and charge me {$10.00} more to do so. I went into the local Chase Bank Branch and was assisted initially by the Assistant Vice President of Private Client Banking at the Branch. She attempted to contact the proper department of Chase Bank to ask why I was unable to initiate an online Wire Transfer? They told her this time that there should be no reason. We attempted to do so again from her computer on her desk via my personal Chase Account. We still received an error message. She called back the proper Chase Bank Department and they told her that there was a technical problem with the online wire transfer technology for ALL Chase Bank Customers and that the feature would not be available temporarily for a time to be determined. She apologized and agreed to attempt to initiate the wire transfer from her system in the Branch and credit my account for the discounted fee, but because of my trouble, agreed to waive the fee this one time since we had spent over an hour by this time, trying to get my wire transfer to go through. She explained that she would n't be able to waive the fee on this visit, but once it went through she 'd credit back my account for the fee. Unfortunately, when she attempted to complete the wire transfer through Chase 's banking portal, she also received an error message. She called the same Chase department back again and they stated that Chase Bank did n't " do business with the bank provided by the XXXX XXXX '' which was XXXX. Again, no explanation as to why and no offering to send the wire transfer even when explained that Chase bank is not " doing business '' with XXXX, but rather I am as the customer whose funds are being wire transferred to this Bank. Regardless, Chase Bank gave zero explanation for denying the International Wire Transfer to XXXX and for why I was being discriminated against when they 've allowed other International Wire Transfers to be transferred from their financial institution. The Branch Manager was called over by the Assistant VP and she recommended contacting the Office of the Executive Staff of Chase Bank. They did so and we received a very rude representative on the phone. She was unhelpful, also offered ZERO EXPLANATION, and claimed that an analyst would look at my situation and contact me within 48 hours. The same day I opened XXXX & initiated wire. | ||||||
| 08/18/2016 | Yes |
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| Chase Bank is forcing me to do arbitration with them, because I returned the car in four days and cancelled the contracts. One contract was with XXXX XXXX and they cancelled the loan when I told them I cancelled the contracts and returned the car in four days. Chase had a second contract that was not legal according to XXXX. XXXX told me the dealership wanted them to process the second loan contract and they told him it was not legal according to the state of AZ. I went to the Attorney General and they told the dealer to delete the car or sell me a cheaper car, because it was overpriced. Chase has me in the credit bureau as a charge off and showing I made payments on all of my credit reports. First they sent me a letter stating they reposed the car and I had to pay XXXX for the repo. They also had that on all my credit reports too. Months later I receive a letter I have to go to arbitration and I filed with the Superior Court stating I did not want arbitration. The court date is XXXX XXXX and the lawyer has subpoenaed me to attend an arbitration in XXXX XXXX. He wrote in the letter I would be the only one getting this subpoena and he did not send it to the judge. The car is XXXX for a XXXX XXXX XXXX which is way overpriced. The dealership lied to the Attorney General and told them they sat me down and negotiated a cheaper price, which was a lie. I am a senior citizen and they took advantage of me and Chase also has XXXX different interest rates on the XXXX contracts and on the finance loan. Nothing matches on the contracts and on the credit reports. Why would Chase put in the credit report I made a payment and I never made one payment. In the terms of the contract it states " prices changes '' purchaser may be dissatisfied therewith cancel this order prior to taking delivery or within seven days of notice of price change whichever is earlier. Damages for breach by customer cancellation of both contracts is what I did certified by mail. States in the contract is collect from customer liquidated damages in an amount equal to XXXX or XXXX % of the price of the vehicle, which ever is less. I am a senior citizen and I 've attached the price of the vehicle from another XXXX dealer and you would not believe how overpriced the vehicle is. Why did this happen to me they promised me they would make the changes to the contract on Tuesday and they lied. They told the Attorney General they did negotiate with me and now I have to go to court at XXXX years old if I have a XXXX behind all of this, because they did not follow the Truth and Lending Act, Fraud and did not listen to the Attorney General I am going to leave it up to God to make this final decision, because it 's not FAIR. Chase is making my life miserable, because they overpriced the car and wrote XXXX contacts that nothing matches and not to mention I do n't even have the car. I cancelled the XXXX contracts on the car, cancelled everything in motor vehicle and I have no ties to the car at all except how they mistreated me as a senior citizen. Chase was harassing me with telephone call, letters and not to mention the lawyer was e-mailing me begging me to do arbitration. The judge was very upset, because I kept doing modifications to delete the car and no arbitration. Please help me, so I can continue my life what little time I have left. I 'm only a XXXX, single working for the government and I can not afford this car. I was buying and crying on the anniversary of my mother 's death and they promised me they were going to make the changes on the price of the vehicle and they lied. How come this contract has terms and agreements on it and they do not abide to them? The XXXX union lawyers told me to cancel the contracts, take the car back and have a witness with you. I did everything they told me to do and why did this happen in XXXX XXXX? | ||||||
| 07/20/2015 | Yes |
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| I 'm in my 3rd year of trying to get a Modification done correctly w/ JP Morgan Chase on behalf of XXXX.This is not 1st time I 've written 2U about the mishandling of my account. XX/XX/XXXX JP Morgan Chase Rep told me all my arrears would be put at the end of my loan for the In-house Modification # 1. They also created my Escrow account after I begged them to do it for 3 years. I am a XXXX Fraud Victim and a Hurricane XXXX Survivor and Victim. Got a Judgment against the crook but he has n't paid one penny. My life savings are gone which is the reason I 'm in this predicament. The Judgment has 8 % interest and totals to approx. $ 90K. He wiped my life savings out. I 'm XXXX/XXXX & can not return to work. They prey on people like us so we can not pursue them. He lives nicely in Texas. I do n't have anymore money to go after him. Thats why I 'm in this mess with Chase. I 'm ashamed to know Chase is American company. If XXXX goes down like the news reported? Its because JPMorganChase. Useless Modifications being done which they charge XXXX XXXX. I was told Modifications are done between 2-5 times before it gets done right. WRONG. It CAN get done one time if competent people working on it. XXXX allows XXXX Underwriters at Chase BUT XXXX Underwriters are JP Morgan Chase Paid Employees. Also, if you are XXXX low income XXXX adds income to your NON EARNED INCOME.They added {$300.00} to my NON EARNED INCOME to give me a GROSS EARNED INCOME. You ca n't do that for XXXX persons. Ask the IRS! But XXXX does when configuring your expenses and income ratio. They add {$300.00} to my income then subtracted my expenses. Does n't sound right to me but Chase/XXXX XXXX says they do it all the time. Is n't this essentially the same reason Mortgage Companies got into trouble by qualifying people who were not qualified? I think Congress should take a look at this. By adding income to my NON EARNED INCOME they also disqualified me from getting a lower interest rate. They made it so I earned too much to get a lower interest rate. But JPMChase does this to all XXXX Customers.They misappropriated my money XX/XX/XXXX after I told them where to deposit it in Escrow.They still did what they wanted..MyCHeck stated Escrow.Deposit. Enclosed letter stated put in Escrow. Did n't happen. Then when I asked them fo FIX it - it took 2 months. It also caused figures be off for Modification # 2 & it failed as I refused the trial payments because the figures were wrong. The Underwriters were given the wrong figures. ( I believe on purpose ) for it to fail. Chase also attempted to " farm '' my account out while in active Modification. Closed my account, dismissed debt and gave to XXXX XXXX. It was returned because I was in active Modification # 2. They were unable to reopen LOAN. So they opened a new " fake '' loan and lost all my data from XX/XX/XXXX to XX/XX/XXXX. They failed to correct my figures for Modification # 3 or run a new escrow analysis ( on purpose ). I corrected the figures by myself ; they had to credit my account.Figures ; but would not let Underwriters know figures were wrong or correct them in advance. I went through 3 month trial payment because it said if there were any discrepancies they would change final modification documents.Exe Offices refused 2 change figures stood behind underwriters WRONG figures. They wanted to add approx. {$900.00} for the next 5 years in addition to my loan 4 future shortage I DO NOT OWE. An employee was kind enough to help me & decided to run an Escrow Analysis & handle my acct to the end. She told me to hold my final docs until analysis was done & wait to hear from her. Man called me 3 weeks later and told me he was replacing her. No analysis to be done. They put me immediately in default/accelerated foreclosure warning. XXXX told me to send docs in. I did. Chase refused them. | ||||||
| 03/20/2018 | Yes |
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| I have been a Chase customer for over 13 years and currently have 4 different credit cards with Chase. I spend ~50 % of my time traveling for work and use multiple credit cards to separate my expenses along with maximizing my rewards depending on which airline I fly and hotel I stay with. I spend well over 100k a year across all my cards. My credit score is above 750 with 13 years of history. I have never missed a payment, have fully paid off 2 car loans and all my student loans ( including ones financed by Chase ). On a monthly basis I receive promotional offers in the mail from Chase saying I've been pre-approved for this credit card or this balance transfer fee. At the end of XXXX I decided to apply for the pre approved offers for two credit cards chase sent me in the mail. I also took advantage of a Chase balance transfer offer they sent me in the mail. About a week later all my accounts were closed with Chase with no reason or warning. It took them 7 days from the closure to notify me in the mail. Because they waited 7 days to let me know my cards were closed many of my auto payments I had setup failed and I was charged late fees for my utility bills, cell phone, internet, etc. I contacted Chase to see what happened and they couldn't provide me with any concrete answers. They said I am a high risk customer and they can't have a relationship with me. I asked if they couldn't have a relationship with me why would they send me pre-approved credit card offers on a monthly basis? This is misleading and aggressive tactics. The reps response was rude and didn't want to hear anything from me. The rep also said that the decision is final and they can't do anything about it. I mentioned that I had researched online and this looks like a common issue with Chase and many people were able to get their accounts re-instated. This only made the rep more upset and they started to yell at me. This is XXXX XXXX behavior coming from a large bank! I contacted another rep at Chase who immediately put in a request to re-open the accounts. Why different reps say different things shows lack of consistency across Chase. A week later I got a phone call stating they couldn't reverse the decision and my accounts were remained closed. I believe Chase is taking advantage of consumers and has engaged in misleading and aggressive tactics. Here 's examples of the predatory, anti-consumer tactics used by Chase 1 ) Chase sends me multiple credit card offers a month saying I'm pre approved. But then after I apply they close all my accounts. If you think I'm a risky customer then dont aggressively ask me to open more cards under your bank. This is predatory behavior! 2 ) Chase needs to be more consistent on what defines a closure. All the reps were clearly untrained about this policy. Some people can get their accounts back while others cant and there's no clear rule that decides if an account can be reopened or not. If you challenge the reps they become extremely rude to you, start yelling, and verbally attacking you. It's like common, all my credit cards were closed and this is a huge hassle for me. Chase should be better prepared to handle these situations. 3 ) Even after my shutdown I'm still getting pre-approved credit card offers and balance transfer checks? Seriously Chase? If this isn't predatory behavior I dont know what is. You shut me down and you still aggressively target me for credit card offers? 4 ) Chase has 0 value in customer loyalty. Chase has been my primary bank since I was XXXX years old. Many of my credit cards with them are over 10 years old. I explained to them since I spend 50 % of my time traveling I need a large amount of cards to separate all my expenses. They just laugh and say sorry we don't want a relationship with you. Ironically they left my checking account still open. | ||||||
| 01/23/2017 | Yes |
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Web | Older American |
| The heart of my complaint about Chase Bank is : they took an abrupt XXXX-style action without letting the little guy speak on his behalf. Without any warning, they put my XXXX accounts on restricted status, saying I would not have any access to the funds. I found out about this only by having a normal debit card charge turned down, whereupon I called the number on the back of the card and asked why. The person said the accounts had been restricted, no access to the funds would be allowed, all ACH transactions and checks from that moment would be returned, and they would send me a check for the frozen money in the account within 7-10 business days. I am a small businessman and the father of XXXX children. This was obviously going to throw my life into disarray. I went to the local branch to see if they could provide an explanation as to why this was happening. They said they could not. They gave me a toll-free number to call. The person said " there was unacceptable activity in the account that represented a risk to the bank. '' ( I hope that was a recorded line. ) I asked what activity she was referring to. She said " certain transfers. '' Since that time my life has indeed been thrown into disarray, as each day I have to deal with returns of checks and ACH transactions that were perfectly legitimate. ( There 's plenty of money in the account to pay the transactions, and the bank has never disputed this or the legitimacy of these outstanding transactions. ) The local branch personnel have been sympathetic, as they see clearly that the little guy ( me ) has been given no opportunity to explain to Chase Bank that the transfers are benign, ordinary, and above board, and their legitimacy can be supported by facts, documents, and historical transactions. They have received all my support documents establishing clearly that these transactions are perfectly ordinary and acceptable, and they have passed these support documents along to their headquarters. They have been met with a brick wall. Headquarters personnel have not provided any response to the material other than to simply state that they have been received. Meanwhile, their bureaucratic sloth increases the number of days that I suffer as we approach their closing the accounts. They agree with me that, whatever the concern of headquarters, the headquarters personnel have not allowed reason to enter the discussion and have not allowed the little guy to speak on his behalf. They have slowly come to understand that the headquarters people found it objectionable that I made transfers from account to account as soon as funds showed themselves as " available '' on the " available funds '' line, and they did n't want me to make transfers that quickly. But we have made very clear with our documentation that : I have made hundreds of such transfers from account to account over the past 15 years that are immediately credited, without any complaint at all from headquarters. I have never transferred more than was shown as available on the " available funds '' line. I have never transferred any money before it was shown as available on the " available funds '' line. Branch personnel have for many years told me that the proper indication to me that funds were available to be transferred is the appearance of the available amount on the " available funds '' line. I have never been advised of any other rule or procedure dealing with when money is available to be transferred between internal accounts, and I have not even heard of any practice that the bank frowns upon! IMPORTANT!! We all know the bank is going to respond by saying " small print '' allows them to do this and that. I understand that. That is not my complaint! My complaint is that they behaved in a XXXX manner and did n't allow the little guy to speak on his behalf! | ||||||
| 09/11/2015 | Yes |
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| The wire-transfer to XXXX contemplated a credit by XXXX to a specific type deposit account for a specified amount of time, which was stated in the form of written payment instructions. The instructions stated, : " This is a transfer to a secure time-deposit account for a minimum of 90-days. A notice will be sent to withdraw or extend for and additional 90-days ''. There are several different types of deposits and deposit accounts at XXXX. XXXX type deposit is a demand-deposit, which is a bank deposit the depositor may withdraw at any time without prior notice to the bank. This type deposit is made to a checking account, which is a demand-deposit account. The other type-deposit is a time deposit, which is a bank deposit that is to remain with the bank for a specified period or on which notice must be given to the bank before withdrawal and is in total contrast to a demand-deposit or a demand-deposit account like my checking account at XXXX. So, there 's at least XXXX totally different types of deposits and different types of deposit accounts at XXXX, and XXXX definitely knows all of these facts. The written payment instructions instructed XXXX to credit the funds specifically to a time-deposit account for a minimum 90-day period. The special written payment instructions provided XXXX with legal notice, legal notification and thus, definite legal cognizance of the fact that the funds were to be credited by XXXX specifically and only to a time-deposit account for a specified period of 90-days, and of the fact the funds were sent to specifically make a time-deposit. XXXX received notice in writing of the specific type-deposit and type-deposit account to which XXXX was to credit the funds. XXXX failed to exercise good faith or ordinary care concerning its crediting of the funds. XXXX definitely made a mistake when it credited the funds to the wrong type-deposit account and the wrong type deposit account beneficiary, in contravention of the written payment instructions on the payment order it received. As I see it, the funds were sent to a nonexistent and unidentifiable account and beneficiary. XXXX 's mistakes are the sole cause of the end result of the funds credited to my checking account at XXXX. It is impossible for this to happen without XXXX 's mistakes. I think that I should be able to justifiably expect XXXX and every bank to have commercially reasonable internal procedures designed to process a written transfer request in strict accordance with the depositor 's written instructions, to verify the accuracy of, and compliance with, written instructions, to detect and minimize inaccuracy, and to act diligently to remedy mistakes. My desired resolution to this matter is for XXXX to admit the fact, in writing to me on it 's letterhead from XXXX its ' officers, that XXXX made a mistake in its ' crediting of the funds to the wrong type-deposit account when XXXX credited the funds to my checking account and not to a XXXX time-deposit account as instructed. I believed XXXX owed a duty of care in its handling the payment order and it 's crediting of the funds to the proper type deposit account. XXXX made mistakes in this transaction and I want XXXX to say it in writing to me. I want XXXX to apologize to me in it 's letter for it 's mistakes. XXXX, also should say that but for it 's mistakes, the funds would not have ended up in my checking account. Lastly, the relationship between XXXX and me, whether derived from common-law principles or premises upon Article XXXX or Article XXXX to the XXXX XXXX XXXX, is in the nature of an implied contract. As a result of the contract, XXXX owed a duty to exercise good faith and ordinary care concerning the crediting of the funds to the proper type-deposit account, If it could not, then it should not have accepted the payment order and the funds. | ||||||
| 11/23/2020 | Yes |
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| XX/XX/XXXX My divorce was final, and my last name changed back to XXXX. In XXXX, when the branches were open again, I went in with my decree to change my name from XXXX to XXXX. XX/XX/XXXX I went to the branch to withdraw funds. I was advised my account had been closed by Chase. I was also advised that they were not going to tell me why. I had an unemployment direct deposit that was to post on XX/XX/XXXX. I tried to stop it with the state of Idaho. They were unable to cancel the direct deposit. Later in the day, I went back to the branch to again ask why my account was closed and to verify that the direct deposit would NOT be accepted. XX/XX/XXXX I called Chase to verify again that my account would not receive any additional transactions, specifically the direct deposit that was to post on XX/XX/XXXX. I was assured that the account was in a Suspended state and would not accept the direct deposit. I asked again, why my account was closed, and was told that they declined to give me the reason. XX/XX/XXXX Chase received and accepted the direct deposit from the state of Idaho ( {$370.00} ). In XXXX, I called again to find out why my account was closed and what I could do to get my funds from Chase. I was told that they suspected fraud, because my unemployment benefits came from Idaho with my married name ( I could not change my Social Security card name, because the SS offices were closed due to COVID. I could send my originals, but I was extremely uncomfortable doing that ) and my checking account showed my legal name : XXXX. NOTE : The account was opened in my married name : XXXX. I was told all I had to do was take my proof of who I was and the name change, and that I would receive my funds within 10 days. I went to the branch with all my original paperwork showing my name, divorce, name change. This was scanned by a banker and sent to the Chase fraud department. The banker told me that he would have to call the next day to complete the paperwork requesting the release of my funds. The banker called me the next day and told me I would see a check in 10 days. After waiting 14 days, I had not received a check. I went back to the branch to speak to the manager. He told me that the fraud department was closed and there was nothing he could do. I went out to my car and called. I got through to the Fraud department after holding for a long time ( they WERE NOT closed ). I was told at that time that they had my paperwork and that the Risk department was reviewing, and I would receive a check for my funds when they were done. I asked for a timeframe and was told that they had no idea how long it would take. XX/XX/XXXX I called again to try to get a status on my payment. After being transferred all over and holding for about an hour, I was told by a representative that they were waiting on the state of Idaho. I asked when they had asked Idaho for this information and was told in XXXX. I asked to speak to a supervisor. After holding an additional 15 minutes, the supervisor told me that they were not in fact waiting for Idaho. I told her that the first representative had said that they were and asked which one of them was telling me the truth. The supervisor said that she was, and that they had all the paperwork they needed. She said they were waiting for the Risk department ( some back-office department that no one can talk to ). I asked how long that process would take, she advised that she had no way of knowing and no way of asking, I asked if there would be updates to my account during the process, so that I could continue to follow the progress. She said no. The only updates that the Risk department posts to my account is when they release the funds. I asked again if she knew how long that would be, she said no. I asked if it could be weeks, months or years, she said she didnt know. | ||||||
| 08/03/2019 | Yes |
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| Hello, This is XXXX. This is a follow up complaint of XXXX, which I submitted to CFPB couple weeks ago. It is regarding the wire transfer of XXXX $ from XX/XX/2019. I am following this platform to submit my complaint, as the response is faster this way and my problem did not solve from prior complaint. This complaint is not to blame anyone involved, as I would take the blame myself to involve in the fraud or scam. Thank you Chase for the monetary gain of XXXX $ and fro your prompt response. I really appreciate it! I have few questions to discuss. This issue might seem very smaller to minimal for you, but it is a difficult situation to go through for me. 1. The response I got from earlier complaint was that when they asked the other company for the refund, it was informed that the funds are not available. However when I called the bank 2 days ago, they informed me that they are awaiting the response from the other bank. Could you please confirm that the bank responded saying that the funds are not available. 2. The wire transfer ( receiving message that it was successful ) and the check bouncing happened within 30 minutes. Ideally in this situation, you did the great job of freezing my account locked and one more ideal thing would have done is cancelling all the transactions including the wire transfers that happened less than 30 minutes ago or giving a call informing the fraud alert and whether to cancel the wire transfer. 3. I placed no overdraft protection ( for a reason to avoid overdraft fee from my past experience ). If I would have been a bank employee, I would be at consumer protection side, and at this circumstance, I would not make the customer go to a negative balance and instead would subtract XXXX $ from the wire that recently sent to avoid the negative balance for the customer. Atleast at such instance, the customer can take action immediately, as I only had 7,200+ $ in my account at that time. I would have saved at the least those XXXX $ and also the bank as well. I am not a rich person ( I am an XXXX who started working only last year ) to have more cash to immediately make it to positive balance and act on it. It took me a while to get the cash and make it active to act on the fraud. You would not have guessed how difficult it was for me to get that cash and make it to positive balance. And it is a huge amount to lose ( at least for me ), it was very traumatic and I was in denial to go through such phase. 4. The funds becoming available immediately after check deposit made me think that the check got processed successfully. I waited 2 days for the same reason to make sure if there is any error in the check would affect me. Again, I want to emphasize that it is not to blame anyone. I should have been more cautious in the process. Having said that, people like me, trust banks so much that they warn or help in such regards. I did both depositing the check and also wire transferring from the bank ( not from ATM or through electronic devices ), atleast if someone would have warned me that check verification process takes so and so days or the wire transfer process, I would have been more cautious. This whole incident has been very traumatic and as you may see my bank balance has been at alltime low since this happened. I opened an account in Chase after recommendations from many of my friends who mentioned it being very secure, less fraud or scam involvement with helpful people. Money can be earned again, but the faith and trust we have in our banks to get help when such incidents happen can not be earned again. I did complain to internet crime and FBI about this. Well, I don't think it will be much helpful as I had my immense trust only on the bank to get my funds back. Hence Kindly if the bank can help in this regard in any way that would be beneficial. | ||||||
| 03/22/2019 | Yes |
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| On XX/XX/XXXX I applied for a Refinance/Cash-Out Mortgage Loan with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ ( NMLS ID : XXXX ) XXXX in the amount of {$75000.00}. I was approved and Closed on XX/XX/XXXX. My payments were to start XX/XX/XXXX! In the meantime, I paid XXXX XXXX on XX/XX/XXXX ACH Withdrawal in the amount of {$860.00} for my XX/XX/XXXX Mortgage Payment. On XX/XX/XXXX I also paid by check {$2100.00} Additional Applied Principal Payment ONLY on my loan. A total of {$2200.00} was given XXXX XXXX in Principal Payments! My Ending Principal Balance was brought down to {$72000.00} as of XX/XX/XXXX! However, I was not properly informed that my Loan had been transferred on XX/XX/XXXX a total of ( 18 ) days after my Closing to JP Morgan Chase Bank, N.A., XXXX XXXX XXXX, XXXX, OH XXXX and my 1st Mortgage payment was Due On XX/XX/XXXX with Chase! I was shocked, dismayed and appalled! This was a Red Flag and not proper business practices! Seriously, my Loan should have never been TRANSFERRED/SOLD only ( 18 ) days after my XX/XX/XXXX CLOSING DATE! I was told that XXXX XXXX XXXX put my Loan in a 400 Consumers Mortgage Bundle in XX/XX/XXXX to be Legally Transferred on XX/XX/XXXX! XXXX XXXX REFUSED to send me a Good-Bye/Release Letter in XX/XX/XXXX AFTER MY LOAN WAS ILLEGALLY TRANSFERED TO JP Morgan Chase, N.A. on XX/XX/XXXX and NOT LEGALLY ON XX/XX/XXXX! JP Morgan Chase Bank, N.A. immediately on XX/XX/XXXX Set Up A New Loan in the amount of {$75000.00}! However, I then setup a New ACH Withdrawal Account with JP Morgan Chase and paid JP Morgan Chase Bank, N.A. on XX/XX/XXXX a check in the amount of {$860.00} for the XX/XX/XXXX Chase Mortgage Payment. In the meantime, these ( 2 ) Mortgage Companies have been refusing to correct any errors to their records before the Legal Transfer Date of XX/XX/XXXX! I kept getting the runaround from these ( 2 ) Mortgage Companies to this date! I was LEFT IN THE MIDDLE of now having ( 2 ) ACTIVE MORTGAGE LOANS in XXXX until the LEGAL TRANSFER DATE OF XX/XX/XXXX! My XX/XX/XXXXHomeowners Insurance was paid ( 3 ) times ( 1 ) by myself, ( 1 ) by XXXX XXXX, ( 1 ) by JP Morgan Chase, N.A. My XX/XX/XXXX Mortgage payment was paid twice ( 1 ) XXXX and ( 1 ) Chase! JP Morgan Chase and XXXX XXXX XXXX reported to the ( 3 ) Credit Bureaus in XX/XX/XXXX/XX/XX/XXXX that I had a balance of $ 74,000+ on each Mortgage Company making my debt appear to be owing a total of $ 147,000+ balance! However, XXXX XXXX XXXX removed their information on XX/XX/XXXX stating my Loan Account is NOW LEGALLY CLOSED! XXXX XXXX knew that the XX/XX/XXXX IRS TAX FORM XXXX I was issued shows under my PRINCIPAL RECONSILIATION : {$75000.00} = Beginning Balance, {$2200.00} = Applied Principal, {$72000.00} = Ending Balance! On XX/XX/XXXX XXXX XXXX XXXX stated they LEGALLY TRANSFERRED {$72000.00} to my New Account with JP Morgan Chase Bank, N.A. On XX/XX/XXXX XXXX XXXX stated they FAXED to JP Morgan Chase Bank, N.A. my Customer Account Activity Copy showing A PRINCIPAL BALANCE OF {$72000.00}! JP Morgan Chase Bank, N. A. REFUSES TO CORRECT THEIR ERRORS with my CORRECT Principal Balance, ( 3 ) Credit Bureau ERROR Reporting on my Mortgage Loan Account! It HAS NOT BEEN brought up-to-date yet! There are recorded phone calls to XXXX XXXX XXXX and JP Morgan Chase Bank, N.A. since ( XX/XX/XXXX thru XX/XX/XXXX ). I have been having difficulty communication with LOAN SERVICERS from both Mortgage Companies! When able to speak with these Servicers, the information I received was often confusing and did not provide the clarifications I was hoping for. It has now been ( 3 ) months and these customer service issues has led to delays in obtaining needed resolutions for my mortgage loan. The XXXX will be notified! Please help me bring this matter to closure expeditiously! Thank you! | ||||||
| 07/26/2020 | Yes |
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Web | Servicemember |
| XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX XXXX-2020 WARNING DISCRIMINATION NEGLIGENCE AGAINST CHASE HOME REFINANCE Chase violated federal laws, discriminated against home refinance borrower, under the ADA / DOE guideline Borrowers home refinance submitted prior to XX/XX/ 2020 Chase had already approved borrower home loan ( record on file ), XXXX 2020, at 3.3 % interest rate Chase had informed borrower, at the beginning, that it would match 3 RD Lender lower interest rate. Therefore, borrower provided to Chase 3 RD Lender lower interest rate, one at 2.99 % Chase is using this against borrowers home refinance application, for its greed Chase is ILLEGALLY calculating AS IF borrower is already making his childrens student loan payments, even he is not the student loan borrower, even the student loans are not due for 3 years, even borrower will never be responsible, under Federal laws of ADA / DOE guideline! Thus, illegally discriminated against home refinance borrower, and disqualified his application Chases initial calculation : Income = {$5800.00}, Expense = - {$3500.00} ( incorrect ) Borrowers calculation : Income = {$6600.00} ( added 20 % SS adj ) ; Expense = {$2300.00} ( ALREADY QUALIFIED ) Borrower calculation : Income = {$8200.00} ( added rental incomes ) ; Expense = {$2300.00} ( MORE THAN QUALIFIED ). Note : borrowers house guest room rental income deposited into Chase accounts ( on file ) Borrower reverified his credit score at XXXX by a 3 RD Lender ( XXXX ). Therefore, Chase used dishonest practice, intentionally to lower borrowers credit score, greedily attempting to disqualify borrower. Nevertheless, credit score already pre-qualified even below 600 per Chase guideline prior to XX/XX/XXXX application submittal Borrower is not the borrow of Children student loans. Borrower is cosigner Borrowers Chase account balance + 401k liquid cash is greater than children student loan liability ( on file ). Thus, borrower is fully capable to pay off his childrens entire student loan liability even today Childrens student loans are not due, children are still in grad school for 3 more years Chases calculation deceitfully misapprehending home loan refinance borrower is already paying for his childrens student loans now ( chase client is co-signer ). Chase client is paying {$0.00} today, will pay {$0.00} for the next 3 years, will pay {$0.00} indefinitely, under Federal laws, per ADA / DOE guideline Childrens student loan lender agreement condition specified that children shall still be responsible for liability themselves, not the co-signer ( on file ), even later, if his children file for bankruptcy Borrower spoken to student loans lender, even in the unfortunate event if children become XXXX or deceased, lender informed borrower that his childrens student loans shall be discharged. Co-signer shall not be responsible If co-signer assume liability of childrens student loan ; ultimately, under Federal laws, ADA / DOE, all student loans SHALL be discharged, for XXXX guideline Borrower shall NEVER be responsible for his childrens student loans indefinitely BORROWERS DEMAND Chase to HONOR the third-party-lenders interest rate, of 2.99 % Chase is close the borrowers refinance home loan by XXXX XXXX, 2020 Chase to BACKPAY borrower, the DELAY in closing, ALL INCURRED INTEREST PAID Chases lending organization LACK legal understanding of ADA / DOE legal laws, for borrower with XXXX legal privilege Chase to pay borrower inconvenient COMPENSATION and fraudulent misrepresentation of disqualifying borrower, for the amount of {$10000.00}. Chase to waive all borrowers application and associated fees Chase to make immediately INTERNAL CORRECTIVE ACTION of his lending practice If above is met, borrower is willing to sign waiver against ALL future legal claims against Chase | ||||||
| 10/01/2015 | Yes |
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| Account # XXXX XXXX 2015 payment was never applied to my account. Due to the delinquent pay I keep accrueing late fees and it reflects on my credit report. I have experience the worst customer service ever. I recently tried to get a small loan with my credit union. I was told that I could not get the loan because I was behind on my mortgage. I know for a fact that I should not be behind on my mortgage loan w/ Chase. I called Chase Bank XXXX XXXX and found out that my XXXX payment ( MONEY ORDER ) showed as being returned. I allowed Chase a week to research my account to see why it was returned. Chase never followed back up with me. I had to call back. When I called back, I spoke to a representative and gave my tracking number. The rep told me she would follow back up w/ me. Again no one ever followed back up. I called back and spoke w/ another customer service rep on XXXX XXXX and was told that they located a copy of my confirmed payment ( MONEY ORDER ). Per the customer service rep, I was told the payment would be applied to my account. I called XXXX XXXX and the payment still was not applied to my account. A customer service person assured me that situation would be corrected that day. I call back Monday because I received a collection call at my job. Almost three weeks since the initial phone call, the issue is still not resolved. Monday XXXX XXXX, I was told to call back in 3 days. I spoke to XXXX XXXX and ( Escalation Supervisor ) XXXX XXXX. Each month my account shows as delinquent I take a hit on my credit report. This issue affects me applying for jobs. I recently applied for a job. The job I applied for required a credit history check. I never was called back more than likely because I show delinquency on my home. I wanted to purchase a new vehicle before interest rates went back up. I doubt if that is possible if I show XXXX delinquent house payments. Due to my money order never being process the month of XXXX my credit rating goes down. Due to my money order never being process in XXXX my credit rating goes down. I use a money order because a money order should be the same as cash. My money order has not posted to my account nor has it been returned back to me. Of all the representatives that I spoke to I found XXXX XXXX to be the worst. Her attitude was very sarcastic and condescending. Everyone prior to XXXX XXXX did do research through the notes on the account to get a general idea of the situation. XXXX XXXX acted as if this had n't been on going issue for weeks. She could not answer any of my questions or give me any information to how the process worked for an escalated issue like the one I was dealing with. She could not tell me what was being done to correct the situation. I asked, what is the process for posting a money order? XXXX XXXX did not know. XXXX XXXX told me she was not sure if there was even an error. I explained that all the other people I spoke to prior to her could see there was. I asked why could n't she see that there was error? Of coarse, XXXX XXXX did not know. I asked, how could my account be delinquent if she shows a payment has been receive ever month? XXXX XXXX did n't know. At the end of the call XXXX XXXX asked if she could answer any other question, which frustrated me even more. I do n't understand how a person is a supervisor and has such little comprehension skills. Everyone but XXXX XXXX " the supervisor '' was able to read through notes and identify what was going on and give me some type insight as where the process was going even if it was incorrect. XXXX XXXX could n't even acknowledge there was error and assure me the account was being review. She made it seem as if a whole new process had to take place again. I will be refinancing w/ my credit union as soon as this process is corrected. I would never recommend your service. | ||||||
| 05/29/2020 | Yes |
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| I am writing to ask the CFPB review JPMorgan Chase Bank NA 's ( JPM ) mortgage practices because, 1 ) JPM changed the terms of my mortgage after I locked in the interest rate and points, and 2 ) the bank failed to disclose a COVID-19 reserve requirement upfront that could cause my property sales contract to become void. I applied for a mortgage pre-qualification with JPM on XX/XX/XXXX for a home purchase. I then began the mortgage application process on XX/XX/XXXX and submitted my ratified sales contract with a closing date of XX/XX/XXXX. On XX/XX/XXXX, I emailed JPM my financial statements. On XX/XX/XXXX at XXXX, I emailed the JPM Home Lending Advisor to lock in a rate of 3.2 percent 3.303 % APR with point costs of {$450.00}. Home Lending Advisor XXXX XXXX NMLS ID XXXX emailed back at XXXX with " Yes, I can lock that in for you today. '' On XX/XX/XXXX, JPM provided a revised loan estimate that showed that I had locked in the rate of 3.25 percent interest rate with {$610.00} in points ( 0.159 percent ) valid until XX/XX/XXXX at XXXX. On XX/XX/XXXX, JPM provided another revised loan estimate with the same rate of 3.25 percent but the fees jumped up to 0.868 percent equal to {$3300.00}, significantly higher than the {$450.00} in points I had locked in. When I emailed XXXX on XX/XX/XXXX about the increase, she responded on XX/XX/XXXX, " It looks like we initially had your property as being a detached condo when in fact it is attached. '' There should have been no doubt about the property type from the sales contract I provided on XX/XX/XXXX. XXXX wrote on XX/XX/XXXX, " When quoting rates I do mention interest rates, points, and APR quoted are subject to change based upon credit score, loan to value, and other factors. '' I would like to ask the OCC if this applies to locked-in rates and points too? Regarding the COVID-19 reserves issue, on XX/XX/XXXX, XXXX wrote, " I just got off the phone with underwriting and we need to show for additional reserves at minimum around {$10000.00}. You will not need to use these, we just need to show for them due to new COVID-19 guidelines. Do you have additional assets that you have not already provided? If so, please send XXXX and XXXX statements for those non-retirement accounts. If the additional assets for reserves are not available, we will have to look at restructuring your loan. '' Why did JPM not notify me of this earlier? On XX/XX/XXXX, I wrote that I have no other funds besides a XXXX plan for which I am both owner and beneficiary. I received a reply on XX/XX/XXXX that " We cant use the XXXX because that account benefits a minor. '' After I explained that a XXXX plan is not just for minors, XXXX replied on XX/XX/XXXX " I received confirmation from management that we can not use it. '' As of XX/XX/XXXX, JPM has not decided if they can approve my loan. I contacted XXXX XXXX, Executive Director of JPM Chase Home Lending in XXXX, OH through his XXXX profile on XX/XX/XXXX but have not heard back from him. I have consistently provided the documents they requested usually within 24 hours. Only 11 days remain until closing so there is virtually no possibility for me to obtain other mortgage financing before the financing contingency expires causing me to lose the house that me, my wife, and children were looking forward to living in. I have tried to resolve both issues with XXXX and her manager XXXX XXXX NMLS ID XXXX with no results. If I withdraw my application I would forfeit {$500.00} in " good faith '' funds JPM charged me on XX/XX/XXXX. These funds are supposed to be credited to me at closing but it is not shown as a Lender credit in the closing estimates. I noticed unfortunately afterwards that JPM has many complaints on the XXXX XXXX XXXX and XXXX so there could be an institutional problem. I thank the CFPB for its oversight and assistance. | ||||||
| 09/09/2016 | Yes |
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| XXXX XXXX, XXXX I am writing you to investigate my concerns of becoming the latest victim of predatory Private student loans by JPMorgan Chase. ( Which is/was serviced by XXXX ). I took out these loan is XX/XX/XXXX and XX/XX/XXXX during the time of the Mortgage Crisis. Not knowing there would be no repayments option for consumers that might have financial hardship. The loans were presented to me as an unsecured loan and at that time I received from Chase directly XXXX checks of $ XXXX each that I was able to deposit in my account. Fast forward one of the loans became due XXXX XXXX. I made full payments each month when the XXXX loan became due. Sometimes I would make both payments after the due date however is was becoming increasingly difficult to keep up. However, I still maintaining payment each month with the assistance of getting forbearance in XX/XX/XXXX. It was becoming difficult to maintain payment of $ XXXX month.I called XXXX and told them I was having some financial hardship because I was hospitalized in XXXX XXXX, l started falling behind on my payments XX/XX/XXXX. At that time I had asked if I could get a forbearance which I had received in the once before and was told I was not eligible and that there were not her options for me but to make payments. XX/XX/XXXX I made a payment of of {$200.00}. Which now XXXX loans were being serviced by XXXX. In XXXX XXXX, I resumed full payments on both loans. In XXXX XXXX, I was hospitalized and continued to make regular payments until XXXX XXXX. This resulted in a hardship for me not only do I have these student loans, I 'm bombarded with a lot of medical expenses. I requested numerous times to see if they could combine my loans into one monthly payment because of my hardship. I was consistently told the lender Chase did not offer any repayment options. I question their method of combining XXXX loans into XXXX account but that did not allow me to make XXXX monthly payment for both. In XXXX XXXX, I advised XXXX I would not be able to meet my monthly obligation, they continued to tell me I had no other options but to pay. I could not pay the regular monthly payments but continued to make good faith payments of {$100.00} each on XXXX loans starting in XX/XX/XXXX up until XXXX XXXX, so I thought. XXXX XXXX, I went on XXXX website to make a {$100.00} and realized that XXXX of the loans went into default and was not allowed to make payments because I was blocked on the website. On XXXX XXXX I spoke with several representatives that told me the {$100.00} payments I was making went to XXXX account in which I thought was going towards both accounts. This resulted XXXX of the loans going in default. The representative told me if they were to reverse the payments will result in both of loans going into default. This is clearly a UDAAP violation. This has resulted in personal financial injury to me. My credit has now plummeted from XXXX to XXXX. My credit now is completely ruined. This could have all been avoided if XXXX/Chase would have worked with me to give options to make reasonable arrangements. This predatory loan is designed for financial failure. I never been in a situation like this before in my and never had bad credit until now. Every debt of mine is update except these student loans. I believe in paying my bills. I know I owe the debt and want to make it right I just ask that they work with me to accomplish this. I can not afford to make full payments at this time. XXXX told me the loan was sent back to Chase for further action. I called Chase and got the run around. I spoke with XXXX different representatives and was told to call back in 2 weeks. No one from Chase will talk to me now. I do not want my wages garnished just need help. I have a Federal Student loan that is coming due in XX/XX/XXXX this will only add to more finance | ||||||
| 05/11/2023 | Yes |
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| Hello, my name is XXXX XXXX. My bank close my credit card back earlier this month. The reason is because of it getting compromised multiple times, as in Im not sure how it was getting used since there were multiple accounts of fraudulent transactions. Nevertheless, and as I said, they closed my account. However, not all the money was accounted for. There are 5 transactions in total for {$160.00}, no more, no less, in which I am still owed by the bank because I didnt make these transactions. I had opened a case with the Chase executive office in which I was instructed to give a shout to. An unsatisfactory resolution was given where the outcome was NOT in my favor. Case details are below. 2 of the transactions occurred on the XXXX of XXXX in XXXX. The merchant 's name is XXXX for {$100.00} and {$42.00}. I called immediately when I saw these charges placed on my credit card, saying that they were fraudulent and I never made these charges. I was given a temporary credit, but then, I was billed again for it because it did not go in my favor for some reason. I do not have a XXXX account, nor did these transactions show up on my XXXX XXXX. I submitted that as proof, and I was getting transferred over and over again by representatives from Chase. I even had a three-way call between Chase and XXXX, and the latter confirmed that I didn't have an account with the Chase representative XXXX The next three charges were from the merchant XXXX, all for {$5.00}. One was dated XX/XX/XXXX, the next XX/XX/XXXX, and the final XX/XX/XXXX. As with the previous set of transactions, I confirmed that I did not make these charges by providing an screenshot of my XXXX XXXX history indicating I didn't make these charges. I have a series on my credit card where this merchant has fraudulent transactions, and they have all been included in my fraud report and in my favor. I am not sure why these three in particular weren't included. At this point, I am in agreement with the closing of this credit card account. However, I would like to get my money back from these 5 transactions, and open a new card, if necessary. I am available to speak further via phone ; just let me know via email so I can give you a call So, these are the case details that I sent to Chase back in mid XXXX. I just spoke with someone from the executive office who gave me a call, and he told me that the fraud team would be willing to reevaluate the case, but that I need proof. I did not get any reasoning from him how the disputes team who is in charge of reviewing my case arrived at the decision. He told me to give more proof, when I feel I have done everything in my power to submit proof. Submitting evidence from the merchant that charges on my account did not occur, that I did not have an account with the merchant, three-waying the call with myself, the merchant, and a Chase supervisor. I dont understand what more you want from me. I have done everything in my power as I said, and am not sure what else you want me to do. I would like to get reasoning how you or the team arrives at the decision. I said this before, but no one is listening to me. XXXX told me that they are not budging even though I have submitted to them all the proof in the world, and they are telling me theyre not going to change the outcome without any reason. How is this right? You are taking my money and not giving it back and have closed my card because of this. I have provided to you proof - multiple variants of it and times - that show I did not make these charges. I want evidence from you showing why the decision is not in my favor. Something XXXX told me that its called a VISA or something like that. I dont know what proof they want from me. I have NOT been treated right by this bank, and honestly, I just want my money back that I didnt make these purchases for. | ||||||
| 03/07/2023 | Yes |
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| In XXXX, I obtained a mortgage with JPMorgan Chase Bank ( hereinafter, " Chase '' ). Starting in XXXX, I had a hardship due to Covid, and in early XXXX filed a Hardship Declaration with Chase regarding my mortgage, asking for forbearance and loss mitigation relief. In XX/XX/XXXX, Chase offered me a trial plan and then wrongfully reneged on the trial plan. Chase also failed to grant a forbearance on my mortgage. On XX/XX/XXXX, I sent a legal letter/claim identifying Chase 's breaches and violations of law ( with supporting citations ), which led to Chase entering into a Settlement Agreement with me effective XX/XX/XXXX, followed by a Loan Modification Agreement effective XX/XX/XXXX ( hereinafter, the " LMA '' ). I fully performed under both agreements, but Chase materially breached these agreements. Reading the two agreements together, most specifically Paragraph 2 and Exhibit " A '' of the Settlement Agreement and Paragraph 2 of the LMA, it is clear that my then-existing Home Equity Line of Credit ( HELOC ) was replaced with a 40-year mortgage at a fixed 4 % rate with monthly payments of {$1300.00} starting XX/XX/XXXX. The Principal balance was set at {$310000.00}, with a Deferred Principal Balance of {$23000.00} ( derived from the one year forbearance required from my Covid hardship that Chase wrongfully failed to provide for my mortgage ). Chase was also required to report these loan changes to all credit reporting agencies but failed to do so. I sent many requests to Chase asking Chase to change my account information at Chase.com and the Chase App from the old HELOC to the new Settlement Agreement and LMA. In response, Chase froze my account so I could not pay it directly or obtain any information about the account, including monthly statements. My Chase account remains frozen/locked out today. I also filed a dispute with XXXX asking that my Chase account be updated/fixed to include/reflect the changes set forth in the LMA and Settlement Agreement XXXX I sent these agreements to XXXX two times and confirmed receipt, asking the XXXX representative to read from each agreement so I could verify XXXX was considering the correct documents. XXXX twice denied my dispute and continues not to update my Chase account with current and accurate information. For example, my Chase account continues to be reported wrongfully as a HELOC with a credit limit of {$300000.00}, resulting in a credit utilization on my report of 114 % ; Chase has also failed to report my loan payments under the LMA ( which are current through XX/XX/XXXX ) and failed to report the one-year of forbearance on payments from XX/XX/XXXX - XX/XX/XXXX. When filing my Experian disputes, I contacted Chase 's attorneys and Chase asking them to look out for the dispute and respond correctly as per the Settlement Agreement and LMA. Chase failed to do so. In fact, this failure was intentional, as I learned when speaking with a representative of Chase 's mortgage escalation department. Chase 's attorneys have now stopped responding to my calls and emails, forcing me to again seek a formal legal solution due to Chase 's material breaches. FYI, in XXXX, I was forced to file a lawsuit in federal court against Chase for beach of this same mortgage, which lawsuit was resolved in my favor. As a result of these failures my credit score is XXXX, and I am unable to refinance my home, which may cause me to lose my home in foreclosure. I am employed again full-time with significant assets, so if the Chase/XXXX fixes were made, my credit score would be XXXX and I would be able to qualify for a refinance loan. I piurcahsed a new car in XX/XX/XXXX and because of ChaseXXXX XXXX failures, I had to make a large downpayment only to obtain an interest rate more than twice market rate, and my car insurance rate was also greatly increased. | ||||||
| 06/09/2020 | Yes |
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Web | Older American, Servicemember |
| To : Consumer Financial Protection Bureau XX/XX/XXXX From : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Email : XXXX Ph : XXXX Re : Chase Credit Card Fraudulent Charge Complaint Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX To Whom It May Concern : In preparing for my retirement I chose to pay off my Chase credit card. In XXXX, I found fraudulent charges and contacted Chase, of which Chase agreed that the charges were fraudulent and credited my account. Between the months of XXXX and XXXX, XXXX, I paid off the card ( s ) and closed my account. In XXXX, XXXX I received a balance due. Below is the sequence of events followed by documentation : Card Number : XXXX XXXX XXXX XXXX XX/XX/XXXX I found fraudulent charges on my statement. I phoned Chase and challenged the charges. Chase agreed that the charges were fraudulent and removed the charges. After this, I felt that the card ( XXXX XXXX XXXX XXXX ) was no longer secure and requested to close the account and be issued another card. Chase complied with my request, closed the account and issued me a new card of which the balance from the old card was transferred over to : New Card Number : XXXX XXXX XXXX XXXX At the end of XXXX, XXXX, I phoned the automated service with Chase for a total balance due in order to pay off the credit card and then mailed a check for {$8600.00} XXXX, XXXX - Statement showed a credit for my payment of {$8600.00} and a balance due of {$35.00}. I mailed a check for {$50.00} to be sure that the balance would be paid. XXXX, XXXX Statement showed my payment of {$50.00}, leaving me with a credit of {$14.00} for which Chase sent me a refund check dated XX/XX/XXXX. Since I accomplished my pay-off, I phoned Chase and closed this account - XXXX XXXX XXXX XXXX. XXXX, XXXX Statement showed a {$0.00} balance. XXXX, XXXX - Statement showed a balance of {$420.00}. I was shocked to receive a statement on an account that had been closed since XXXX, XXXX, and even more shocked to see a balance due. I shouldn't have charges on either credit card accounts since both had been closed. XX/XX/XXXX - I phoned Chase at XXXX XXXX and was disconnected. I phoned again at XXXX XXXX and spoke with a Chase representative to discuss the charges appearing on my account that had been closed. I told the representative that the amount on my statement was the same as the amount of the fraudulent charges. The representative said that they would check on this and call me back. XX/XX/XXXX - XXXX XXXX A Chase representative phoned me to say they were checking on the account. XX/XX/XXXX XXXX XXXX A Chase representative phoned me and stated that Chase had credited my account twice for the fraudulent charges and because of this, I owed them. I requested that they show me the statements where they credited my account twice for the fraudulent charges. They sent me a copy of the XXXX statement but no other statement showing that they had credited my account twice. XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX stating that they credited my account twice for the fraudulent charges and that I could Now see the changes on one of my next two billing statements. The letter states that these charges are shown on my first credit card number : Card Number : XXXX XXXX XXXX XXXX It seems very clear to me that after months of having paid off the card ( s ), receiving a refund check for over-payment, having a {$0.00} balance, and closing my account ( s ), Chase is trying to recoup monies for charges that they agreed were fraudulent. Instead of showing the statements showing they said they have of double-crediting my account for these charges, I got a letter saying they credited my account twice. I've attached all documents in hopes that you might be able to correct this injustice. Respectfully, XXXX XXXX XXXX | ||||||
| 04/20/2016 | Yes |
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Web | Older American |
| In XXXX XXXX I submitted a complaint regarding the mismanagement of my mortgage and escrow account as well as several foreclosure attempts made by JPMorgan Chase on my home. I hereby DISPUTE THE PREVIOUS RESPONSE BY JPMORGAN CHASE BANK TO MY CFPB COMPLAINT # XXXX, as I was not given sufficient time to dispute Chase 's response. Their reply consisted of a string of dates listed wherein they claim to have corresponded with me, stating I did not respond, and suggesting I had not complied. They did not mention the fact that I had timely and fully completed their RMA application at least three times since my first application for a loan modification in XX/XX/XXXX. Nor did they mention that a couple weeks after my XXXX SPOC called and told me all of my docs were finally in the underwriters hands and I should have a decision soon, they turned around and informed me I needed to resubmit a new RMA and all the supporting documents yet again as they had been using the WRONG SET OF INVESTOR GUIDELINES. After this fiasco I complied yet again, while they continued to demand repetitive documentation requirements, while scheduling foreclosure sales. Being fed up, I filed the first CFPB complaint. This is a direct violation of the Dodd-Frank Act as well as the California Homeowners Bill of Rights. They deny this, but of course never have to prove any of their false claims. The burden is only on me to prove anything, which I can and have done multiple times, while the bank still gets a pass on their own illegal and reprehensible behavior. I also complained to the Making Home Affordable team, who intervened several times on my behalf requiring Chase to postpone the trustee sales. The letter Chase published in response to my complaint was the same letter they sent responding to my MHA complaint, which substantiates absolutely nothing. They do not address their wrongful actions and dual tracking, other than to claim they did not do it. My original CFPB complaint was primarily to address the ongoing dispute over the property taxes and their mismanagement of my Escrow Account from inception of their servicing, which violates RESPA laws. Chase refuses to recalculate their innacurate amounts required in Escrow. Their continual response is they do n't have to correct their erroneous numbers because I am behind in my payments. ( a position they forced me into by improperly servicing my loan from the outset, and refusing to correct their erroneous numbers. This behavior is well documented in the National Mortgage Settlement, for which the big XXXX banks were fined XXXX collectively. Later, JPMorgan alone was fined another XXXX for more of the same crooked behavior. I believe they need to use the correct values in order to offer me a proper loan modification based on accurate accounting values. Am I expected to sign an offer that I know is prepared using false or incorrect data? Another legal matter that JPMorgan failed to address in my prior complaint is that I sent a certified QWR letter to them in XXXX XXXX, which they have still never answered to this day. For several months they sent me a letter requesting additional time to research almost every two weeks, and then after XX/XX/XXXX, they stopped responding completely. To date they have still not complied or answered my QWR letter, willfully violating the Dodd Frank requirement to respond to my questions within 30 days. Yesterday, I received a letter from Chase notifying me that they have rescheduled a Trustee Sale of my property for XXXX XXXX. Today I received a letter from yet another 'new ' Single Point of Contact explaining why I did not qualify for any of the loan modification or loss mitigation offers. Will the CFPB challenge the bank 's improper behavior and blatant attempts to steal my property, or is this yet another exercise in futility? | ||||||
| 04/02/2016 | Yes |
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| I purchased gap insurance from the dealership where I bought a car XX/XX/XXXX. After paying down my loan for almost 1 1/2 years, I decided I wanted to cancel my gap insurance since I was no longer underwater on my loan. My gap insurance contract states that refunds will be pro-rated before the end of the loan period. On XXXX XXXX, XXXX I sent written notification to cancel my gap insurance to the insurance agency for the gap insurance policy, XXXX XXXX XXXX, and it was received by them on XXXX XXXX, XXXX. XXXX from the XXXX XXXX left a voicemail on my cell phone on XXXX XXXX stating that " ... the gap ( refund ) is legally required to be paid back to the lien holder that applies it to your unpaid balance unless the loan is paid in full. '' I was okay with that, and I was expecting to get the pro-rated policy fee refunded to my bank and applied to my loan principal within a couple weeks. That never happened. On XXXX XXXX I checked the principal balance for my auto loan, and it did not have the gap refund deducted. I immediately contacted the XXXX XXXX, who then referred me to the dealership, XXXX 's XXXX XXXX, saying that they were the ones who would actually cut the check and send it to the financing company, who is Chase Bank. From talking to XXXX XXXX at Chase Bank I found that they had sent the check to the wrong address. Then I found that they had misspelled my last name on the check. Finally they overnighted a XXXX check to Chase Bank with everything corrected, and Chase Bank Auto Finance in XXXX picked up the check at XXXX XXXX on XXXX XXXX according to the letter tracking. Unfortunately, this was just the beginning of more trouble. As of today, XXXX XXXX, XXXX I still do not have any verification that the refund has been applied to my loan principal. This is after more than a dozen phone calls and several hours on the phone with Chase Auto Finance Representatives, in particular XXXX XXXX. In fact, after being initially told by XXXX XXXX that the refund would be applied to the loan principal, she has now changed her mind and is telling me that the refund will not be applied to the principal. At first XXXX XXXX said they could not verify that the check was received. This went on for over 2 weeks after tracking said the check had been picked up by Chase Auto Finance. Then on XXXX XXXX, XXXX XXXX said she could verify that the check was received, but that she had talked to some supervisors, and that now the check could not be applied to the principal due to " some Washington State law '', and that it would only be deducted from the payoff amount if the car was being sold or refinanced. XXXX XXXX refused to tell me what law this was or any details about this law. About an hour later I called back and spoke to another representative ( XXXX at extension XXXX ) to get the payoff amount. And of course, the payoff amount did not have the gap refund deducted either. I asked her to verify why, and after sitting on hold for about 10 minutes, she told me she would call me back. It turns out XXXX did not call me back. XXXX XXXX called back and she now told me that not only would the refund not be applied to my principal, but the gap refund would not show up in the payoff amount. So I asked her when would the gap refund be applied. Her answer was that after the loan was payed off in full, a refund for the gap insurance would be sent out. I told her this was totally unacceptable. They had the money for the gap refund in their possession. Why would I pay for the gap insurance just so they could give it right back to me? She refused to answer my questions at this point. I asked to speak to her supervisor, and I was put on hold for 20 minutes before I finally hung up. I called back and left a voicemail for her to call me back asap. So now, 2 months later, I still have no refund. | ||||||
| 05/04/2020 | Yes |
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| I can not get anyone by telephone who will service my accounts reliably at JP Morgan Chase. I have complained about this problem for years to the CFPB with no change. Today, I was again on hold for over an hour with various employees of this bank. ( My smart phone indicates that I was on the call for 1 hour, 2 minutes and 56 seconds, starting at XXXX XXXX. ) I called the number for customer service ( XXXX ) that is printed on my XXXX statement and reached someone overseas. She had an accent and there was a lot of static on the line that made it impossible to hear. The woman said initially that she would help me and promptly asked for information that I had just entered twice when prompted by their answering machine, twice, before she came on the line. After her wasting more time, she then announced that she could not help me after all and that she would have to transfer me to someone else. So this person transferred me to a second woman who claimed that her name was XXXX and that she was located in XXXX, TX. She refused to provide an employee identification number of any other kind of identifying information. XXXX asked me for the same information, for the fourth time, that I had had to provide 3 times previously just seconds ago. After I provided it all to her again, for the fourth time, she then announced that neither could she service this account since it was a JP Morgan account. She told me that I needed to call XXXX to get someone who would service the account. When I asked why the other number was printed on my statement for customer service instead of the number she was giving me, she had no explanation. Despite this, XXXX then transferred me to someone who claimed that her name is XXXX in the XXXX private bank of JP Morgan. XXXX also refused to provide an employee ID number or any other identifying information. XXXX claimed that one of the first two people I spoke with had to service the account and proposed to transfer me back to their division, where Id had to wait for a very long time until someone picked up the call. I insisted that she remain on the line because of what had just happened and also told her that they refused to service the account and said that her division would have to handle it. What XXXX claimed was denied and contradicted by people who worked in the division that XXXX said would service the account. XXXX finally consented to remaining on the line until someone in the other division picked up. After several more wasted minutes doing this, she came on the line and said that her supervisor told her to take the information I had called about ( to stop payment on a check ). When I gave her the information, I asked for a control number or reference number for the stop payment request. XXXX gave me the reference number XXXX for the stop payment on the check. I then asked XXXX why JP Morgan Chase habitually engages in unfair, deceptive and abusive behavior of the kind I just described. She had no answer. I strongly urge the CFPB to listen to the recording of the conversation I had with XXXX, as I mentioned many other problems I have with her bank and asked that she report it up her chain of supervision. If the CFPB has ever done anything about numerous similar complaints Ive filed with it concerning persistent problems in servicing my JP Morgan Chase accounts, it has been ineffective, given that they endure and remain the status quo. Officially, various divisions of JP Morgan Chase habitually refer me to other divisions, with none of them being reliably available to service the account. Why cant the CFPB force JP Morgan to provide reasonable services on XXXX of its own checking accounts, especially in view of the fact that various other departments it continues to try to dump responsibilities on are refusing to service a JP Morgan account? | ||||||
| 10/20/2016 | Yes |
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| I refinanced my home mortgage through JP Morgan Chase and my first papment was due XX/XX/2016. I made my XX/XX/XXXX and XX/XX/XXXX payments at the teller windows at XXXX different Chase branches. These payments were made with checks written from my credit union checking account. I made my second payment on XX/XX/XXXX and a few days later I saw that my credit union balance had more money than it should. I then looked at my receipt from my XX/XX/XXXX mortgage payment and it showed that my check had only been deposited for {$1000.00} instead of the {$1600.00} that I 'd written the check for, which is slightly more than my mortgage. The next day, which was Friday, XX/XX/XXXX, I contacted my credit union to see how much the check had been deposited for and they confirmed that it had been deposited for {$1000.00} dollars, but I had written the check for {$1600.00}. While talking to customer service for my credit union, I mention that I should probably write another check to Chase to cover the shortage. The person from customer service told me to hold off writing an additional check and that she would have someone from accounting contact me. That same day, a lady from accounting said that she had " pushed through '' the addition {$600.00} to Chase, because that is the amount the check had been written for. I then contacted Chase customer service to let them know about their mistake and that the shortage was being taken care of by my credit union. Chase customer service transferred me to the branch that took my mortgage papyement and I spoke to, XXXX, the teller that actually made the mistake. I explained to XXXX what had happened and that the credit union was pushing the additional funds through. XXXX suggested that I write an addition {$600.00} check by to make up for the shortage and mentioned that this would ensure that I would n't incur any late fees, or that my credit score might be adversely affected if the payment was late. I then called accounting for my credit union and was told that the additional funds were enroute to Chase and that I should not write them an additional check. I was also told that the only way that my credit would be affected by Chase 's mistake, was if Chase reported it. The lady that I was speaking to in accounting gave me her name and direct phone number and said that it would be fine to have XXXX from Chase call her. I was told that it would take approximately XXXX days for the funds to reach Chase. The following Monday I confirmed that {$600.00} had been withdrawn from my checking account. Later that evening, I received a phone call that I was n't by able to answer. Later, when I called this number back, I learned that it was Chase. I spoke to customer service who had tried to call me about my past due payment and that I was now being assessed a {$65.00} late fee. I spoke to customer service and explained what had happened. I was told that the late charge would be waived, I would receive no more calls from collection and that I would be contacted in seven days if the additional {$600.00} had not reached Chase. I was told that all of these promises would be documented in the notes for my account. On Wednesday, XX/XX/XXXX, I received a phone call from collections. I called the number back and XXXX asked if I planned on keeping my home. I told her yes and asked her what the notes said on my account. XXXX said that there were no notes in my account and no record that I spoke to customer service on Monday. I explained what had occurred and that it was Chase 's mistake that had caused this problem. It was quite apparent that XXXX could care less about my situation. I demanded that she pull up a copy of my check that I had used to make my mortgage payment, which XXXX confirmed had been written for {$1600.00}. My account is still showing that I owe a let fee. | ||||||
| 08/14/2018 | Yes |
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| I have several business accounts with Chase. On XX/XX/2018 I went to transfer some funds from my business account to my personal account ( also with Chase ). I happened to glance at my client trust account balance and it seemed low. It should have been around 25K and it was around 10K. I immediately called Chase. The rep tried to tell me that I did three phone transfers of $ XXXX each totalling XXXX from the XXXX XXXX acct to my operating account. I have never used the phone system in my life. Further, this should not be allowed to do transfers or activity for trust accounts. These are client funds and should have extra protections. Apparently someone used my pin to conduct these transfers. I called immediately upon discovering something awry. I don't generally check the XXXX account much because it isn't heavily utilized. Also, my operating account didn't look low ( later finding out that because they transferrred XXXX and spent XXXX ... ..it was actually higher than it would have been so I wouldn't have noticed it being low. Long story short, 11 transactions were made at 11 different XXXX stores in the XXXX area ... most were still pending on XX/XX/XXXX when I reported. These were all very large transactions approaching and exceeding {$1000.00}. The transactions are as follows : XXXX {$1300.00} XXXX store XXXX XXXX {$1300.00} store XXXX XXXX {$1300.00} XXXX XXXX/XXXX XXXX XXXX IN XXXX ( from the weekend of XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX store XXXX XXXX is several hours away. I was not in or near XXXX. I was in XXXX and XXXX county Indiana at all times during these transactions. I have never been to a XXXX store. I made transactions in XXXX and XXXX county on the days in question. I am an attorney in Indiana and would not use my business account at 11 different grocery stores let alone downstate. Some of the above amounts are identical. These were all made with my pin and debit card. I never lost my card. I had my card on me. I have not given out my pin or card. I went through the complaint process XX/XX/XXXX via phone. I was told I would have a temp credit 1-2 business days later. I did not get it. I went to the XXXX XXXX XXXX XXXX, IN branch XX/XX/XXXX ( my XXXX ) and worked with a banker who chopped up my card and helped me fill out claim forms and spent time on the phone with the fraud dept. Days later I learned my claims were denied. I finally got someone on the phone to listen who seemed to understand me. She reopened the claim. I went to social media ... and got a msg on XXXX from Chase saying what seemed to be that my reopened claim was also denied. They are saying the charges were legitimate because of use of my pin. Also, a woman who was hard to understand kept saying I was " monitoring '' my account and these transactions and therefore they were valid ... and I waited too long to report. I reported immediately and again because monies had been transferred it was not noticeable that large sums were being taken from my operating account. I don't know if Regulation E pertains to businesses ... but did some research and seems I should be protected from fraudulent transactions. I also filed a police report in XXXX, IN. They didn't seem to pay much attention. I also contacted XXXX corporate. The man seemed to be very concerned and investigating ... .but I can't get a return call. This should absolutely not happen with a trust account. This account sometimes holds hundreds of thousands of client funds. Phone transfers etc. should not be allowed. There should be an alert for large transactions hours away even if debit. I believe my card must have been cloned. In any event, I am out approximately {$11000.00} and Chase is denying my claim. I need help. This is pure fraud. Please help. | ||||||
| 11/29/2017 | Yes |
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| This complaint is regarding a mortgage for a property I purchased in XXXX XXXX. I had several mortgage transfers during the life of the loan and all and gone smoothly until Chase Bank acquired my loan. XXXX XXXX XXXX XXXX. had owned my loan through XXXX XXXX. I had been set up with By weekly automatic payments of XXXX. The mortgage was for a property in Arizona and the statements were being mailed to my secondary address in XXXX TN as I was based in XXXX XXXX and had most of my mail transferred there for convenience. I had no delinquencies on the mortgage. Everything was automatic as far as the payments and escrow was concerned. My loan was transferred from XXXX XXXX XXXX to JPMorgan Chase Bank, N.A. on XXXX XXXX, XXXX unbeknownst to me and no effort was made to inform me of this transfer except by mail to the secondary address. Later, in XXXX, I was informed by XXXX, XXXX, via email, that they had taken over collections of my loan payments from Chase. This was the first I had heard that my loan was no longer with XXXX. I contacted XXXX and found out that in fact Chase had purchased my loan and had me shown as delinquent for three months. I immediately contacted Chase and asked why I had not been informed and why they had not taken reasonable effort to contact me about the loan transfer. XXXX obviously acquired my information from them and was able to contact me about my loan transfer. I was upset about the fact that Chase was unable to do the same! Chase reported late payments for the months of XXXX, XXXX XXXX and XXXX XXXX. They were, in fact, not received because I had no idea the loan had been transferred much less to whom. Chase had all of my contact information including email and phone number but made no attempt to reach me. XXXX did a great job informing me of the changes in my loan and therefore, I was able to bring my payments up to date as soon as the transfer happened. In light of this situation, I had contacted Chase Credit research department to investigate and to remove the report to the credit agencies as they were the ones who did not make reasonable effort to contact me about the changes to my loan. I had never been late for the term of the loan until it was purchased by Chase bank and the lack of communication by Chase was the underlying cause. I did not ask for my loan to be transferred and when a financial institution changes the terms of an individuals loan, they should make every effort to communicate those changes to the customer in order to avoid situations such as this. The loan was finally brought up to date with a payment draft of XXXX on XXXX/XXXX/XXXX. I submitted a request to investigate to Chase Bank 's Credit research dept. and they received it around XXXX XXXX, XXXX on XXXX XXXX they replied that they could not update their credit reporting on my behalf. I submitted another request in XXXX of XXXX and informed them of my intentions to file a complaint with this agency if they would not make the situation right by realizing their fault in the matter. In short, they took no action to correct the situation they they had ultimately caused. I had had this loan for around 15 years and had never been late! There was no way that I would have intentional let this loan payment be late because of the amount of equity I had built up in the property! ( I only owed around {$45000.00} on a house worth around {$300000.00} XXXX If I had left it up to Chase Bank, the property may have been foreclosed on without my knowing because of their inept communication practices. Again, they had my Phone number and email address ; which was used by XXXX, the organization that acquired the loan from them along with all of my information. I hope that Chase is called out for this poor business practice so that other customers are not in the same situation as me. | ||||||
| 11/29/2016 | Yes |
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| I refinanced my home mortgage through Chase. I made my XXXX mortgage payment without problem. I made my XXXX payment at a Chase branch using a check from my credit union account. The teller made a mistake by depositing my check for {$1000.00}, not the {$1600.00} that I 'd written it for. Several days later I realized something was wrong and confirmed through the credit union that the check I 'd written to Chase had been deposited for the incorrect amount. I was told by the credit union that the would push the additional {$600.00} through. I contacted Chase customer service and made them aware of their mistake and what the credit union had done to fix the mistake. Even though Chase knew what was taking place to remedy their mistake, I started receiving collection calls and a late charge. I was told the collection calls would stop, and the late charges would be removed, but the calls continued and the late charges were n't reversed. This prompted me to file a complaint with Consumer Financial Protection Bureau. I was contacted by Chase the day after my complaint was made. I hade to provide Chase a copy of my Check to confirm that the check was written for the correct amount. Chase could n't find the {$600.00} that the credit union was pushing through. This was towards the end of XXXX and I took my XXXX payment to a different Chase branch to make my mortgage payment. After making the payment, I asked the teller to confirm that the remaining {$600.00} had been located and that my mortgage was current. I was told that everything was fine with my mortgage and thought nothing more of it. While on vacation, I received a phone call on XXXX XXXX from collections saying my mortgage was past due. I learned that Chase had applied my XXXX payment to XXXX, and had taken the {$1000.00} from my XXXX payment and put that towards principal. I learned that they still could n't locate the {$600.00} that had been pushed through by my credit union. I offered to call the person I 'd been dealing with after my complaint to Consumer Financial Protection Bureau, but I was assured that the person from escalation that I was speaking to, could handle it. I was asked for my original check number to help in finding the missing money. By now, this money had not been in my checking account for a month. I was told that Chase would work with my credit union to find the money and that the {$1000.00} woud not be applied to principal. I was told that someone would be getting with me later in the week. After I did n't hear from Chase I called them. I was told that Chase still could n't find my money and that they had sent me a letter instead of calling. I was told that I needed to provide bank statements to prove the payment of {$1600.00} had been made. I went to my credit union and had copies of my statements printed off and initialed by the branch manager. I took theses to the Chase branch that handled my refinancing and had them faxed to Chase. The branch manager even made an addition complaint on my behalf. The documents were faxed on XXXX XXXX. On XXXX XXXX, I received another call from collections. On XXXX XXXX I was contacted by the Chase branch manager and I was told that Chase was reviewing my paperwork and my case still had n't been resolved. I was told that the branch manager would be filing a chairman 's complaint on behalf, because it was taking too long. On XXXX XXXX, I received a call from escalation and I was told that Chase still had n't located my money. Again, on XXXX XXXX, I received another call from collections. As of XXXX XXXX, I have spent over 3 hours on the phone with Chase trying to fix their mistake and protect my credit. In addition to the time spent on the phone, I have driven XXXX miles and spent one hour getting copies of my credit unjointed statements and having them faxed to Chase. | ||||||
| 11/28/2016 | Yes |
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Web | Older American |
| Finally received another long delayed response from my JP Morgan Chase re mortgage fraud. It is truly amazing that they have managed to flout all issues and of course they are the best at stonewalling - always researching and coming up with the same regurgitated answer. JPMorgan Chase was among the many financial institutions that caused the financial meltdown - and the only people that paid the price was the hapless consumer. They have not provided me with an answer that truly matters : in a 2 year period I was assigned over 24 representatives and not once during that time were they able to receive in its entirety all requested refinancing papers. Did not matter how I sent, fax, fedex, from JPMorgan bank..status was always the same - missing documents. TWO YEARS! To make it worse, the mortgage was a verbal one ( yes Chase agreed in writing that it was verbal ) accepted the first payment and the second could/would/never be accepted. WHY? JP Morgan Chase representatives were given incentives for foreclosure on each home they could bring into the JP Morgan fold, so of course they would always have a few pages missing. ALL 24 REPRESENTATIVES ASSURED ME THAT MY FILE IN THE COMPANY WAS EMPTY..NO VERBAL, NO NOTHING. NOT A SHRED OF PAPER. Yet today their lawyers can now manufacture pages of response to justify their dishonest alliance with this financial institution. Even when I received a letter from their lawyer advising me that my home was in foreclosure, no one at the bank knew. TWO YEARS I SUFFERED UNDER THIS HARASSMENT, and at no time did I ever think of giving up. I wanted to pay my mortgage, JP Morgan Chase would not accept. No contract in place, limited documentation, all based on verbal. I was and still is the victim of this fraud..Never did I give up then and I will not give up now. JPMorgan kept my mortgage and all subsequent penalties in two separate accounts and only accidentally found out the massive amount I am now being penalized. They are now using their 'steam rolling ' lawyers to justify their fraudulent behavior. Yes, I did finally get it all straightened out thanks to an accidental meeting and the generosity of a member of their staff. Had to sit and go through page by page to make sure the person on the receiving end could finally agree that all copies are in good order. AFTER TWO YEARS and this happened by sheer luck. Now I need for JPMorgan Chase to close this unholy chapter of trying to rip me off. And when you have ripped someone off to the tune of {$300000.00} believe me your offer of {$15000.00} is a bad joke at best. Dishonest XXXX. Do understand I will not give up, I will not become another victim of this fraudulent empire, and I will do my very best to make sure you are brought to justice and judged by a jury of our peers. You claimed and charged me for 17 ( YES SEVENTEEN ) inspectors to my home. Never saw one. Of course you had to admit in writing that was a mistake. A MISTAKE! a verbal mortgage, compensating staff to foreclose on homes and now it is a simple MISTAKE. Oh, lots of things I say did not happen. My friend who was white and we constantly compared notes, did not have to fill out papers - her mortgage papers was taken care of by the bank. You are now trying to tell me that you do not have double standards. Mine of course could never reach the intended recipient in tact!! And you did not think something was wrong. How come you can now find back-up information to justify your regurgitated response, but during the TWO YEARS, you had nothing. Makes you think of XXXX and how he generated documents to fool the feds. Yes, I understand that you all have to stick to the script and you are somehow 'forced ' to respond to me through this medium, but you know you can stonewall and " research '' for years to come as you all THINK you are above the law. | ||||||
| 12/05/2015 | Yes |
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| I have been discriminated against by Chase Card Services on my credit cards, credit history and credit limits. The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics on the basis of exercising in good faith your rights under the Consumer Credit Protection Act. It is illegal to:1. Refuse you credit if you qualify for it - Chase denied me credit to reopen all of my credit card accounts that I as the consumer closed by choice due to them placing a 30 day late on my credit. They agreed to make an exception per XXXX XXXX and XXXX XXXX of the Executive Office by re-opening XXXX of my accounts. This discrimination has occurred do to the fact the decisions made by Chase not to reopen all my accounts was due to a bankruptcy that I had do to a divorce back in 2000. What Chase has not mentioned here is the fact that an account that they are judging and discriminating is an account that was transferred to Chase account ending in XXXX from another financial institution that was included in the bankruptcy. Credit Discrimination has occurred here due to the fact Chase has refused to re-open my credit accounts due to credit history that was discharged through bankruptcy from a divorce but the account they are addressing ending in account XXXX was owned by another financial institution and then sold to Chase. I never had an account with Chase at this time yet I am being discriminated against for credit. 2. Discourage you from applying for credit - Chase told me I did not qualify for any credit through them because of a discharged bankruptcy back in the year 2000, 15 years ago and a credit account they informed me was through them and it really was not. It was a transferred/sold account from another financial institution. This is another warning sign of discrimination. 3. Close your account- Chase placed a false 30 day late on XXXX of my accounts and I as a frustrated consumer closed all my accounts. When I tried to re-open any of these accounts I was denied credit after having excellent credit through Chase for 15 years and a credit line of {$27000.00}. This is discrimination based on the fact I maintained excellent credit through Chase for 15 years yet they now deny me credit and refuse to re-open all my accounts. If there is no discrimination occurring here by Chase then I ask Chase to make an exception and re-open all my closed accounts like they did with XXXX of them per XXXX XXXX. If this is not discrimination than I should have no issues applying for credit through Chase in any sense of the matter and get approved for credit. I hold a XXXX credit score, I have been in credit for years and will move toward legal action against Chase if this is not resolved. 4. I was discouraged from applying for credit, I was refused credit even though I qualify for it - I was denied credit by Chase for re-opening my accounts because of judgement from a discharged bankruptcy in the year 2000 and a credit account owned by another financial institution merged to Chase. Chase is now discriminating against me for these reasons and denying me to re-open all of my accounts and re-establish my credit through Chase and my credit history and limits. XXXX states in her letter I disconnected the call which is false. Why would I do that with all this concern? 5. I was denied credit but was not given a reason why or told how to find out why - Chase at first denied me credit, I was transferred from person to person ending up to someone that would not inform me of this situation. When I asked why I was being denied credit and why for the past 15 years I had credit through Chase I was informed to contact the application department they must have made a mistake granting me credit. I want all my accounts re-opened by Chase. | ||||||
| 09/16/2023 | Yes |
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| For the purpose of this complaint, the following terms shall have the following meanings : Banker : The plaintiff in this action. Issuer : The Business owner and issuer of the check in this action. Complaint : The Banker was provided a check from the Issuer as payment towards a truck sale. Check dated XX/XX/2023, Check number XXXX. The banker is seeking to file a complaint against JPMorgan Chase Bank , N.A . ( hereinafter referred to as Chase Bank ), due to deceptive business practices and undue stress. On XX/XX/2023, Banker deposited check number XXXX in the amount of {$7500.00}, into Bankers personal checking account with Chase Bank. As of today, XX/XX/2023, Chase Bank has refused to release the funds to the banker 's account. Both Banker and Issuer have gone in-person and called Chase Bank on several occasions to inquire about the funds and were both given inaccurate and conflicting information resulting in a runaround. Furthermore, Chase Bank has since closed Bankers checking account and has failed to provide a clear path to rectifying the situation. XXXX Check deposited at XXXX XXXX XXXX XXXX ATM in the lobby. XXXX Online checking account restricted and Banker is unable to log in. XXXX First in-person inquiry- Chase Bank personnel told the Banker " Check looked fishy '' and asked that the Banker make an appointment to speak with a manager because none was available to speak with him at that time. ( CHASE BANK : XXXX XXXXXXXX XXXX GA XXXX ) XXXX Chase Bank personnel stated that the Issuer needed to verify the check by calling XXXX ( XXXX ) XXXX and provide the check number. ( CHASE BANK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The issuer called Chase Bank and reported back to the Banker at XXXXXXXX XXXX and stated Chase Bank received verification and confirmed that check XXXX was cleared and released. XXXX Banker called to confirm the release of payment with information provided by the issuer. Banker was then placed on brief hold before Chase Bank 's line was disconnected. XXXX Banker called back for a second time and representative had Banker on hold for 45 minutes. representative did not return to call before line was disconnected once again. XXXXSecond in-person inquiry. Chase Bank personnel stated that the check is still on hold because the issuer of check XXXX was not listed as the business owner on the account and that he is just listed as a Manager. Chase Bank personnel asked that the owner call and make the request for funds to be returned or verified because Chase Bank could not make the call. XXXX ( Incoming call- Chase Bank personnel from XXXX ). States she looked into the matter and found there is another solution. Asked to have the issuer call the owner. Due to issuer being the owner, Banker suggested that issuer is willing to come in person to get the issue resolved. Chase Bank personnel agrees that this would be better. *That appointment was missed due to issuer 's work schedule XXXX Banker called to ask for appointment to be rescheduled and received an appointment for the following day, XXXX. XXXX ( Third in-person inquiry ) Issuer went to Chase Bank and was told by Chase Personnel that they saw where the check was already verified and cleared. Chase Personnel also told the issuer that they are not allowed to hold a check past 7 days. ( CHASE BANK : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX ) XXXX ( Fourth in-person inquiry ) Banker went to the scheduled appointment and Chase Bank personnel called to verify issuer of check. Chase Bank personnel confirmed that they were able to verify but, that they can not use it because it has to be on the business number. After recalling the business number again, bank personnel stated that he was not listed as the owner and provided XXXX number again. ( CHASE BANK : XXXX XXXX XXXX XXXX ) | ||||||
| 01/19/2023 | Yes |
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| Chase Bank XXXX Im afraid to leave my Cellphone at Home becuse someone mite rob me so i take the Phone with me and get Muged someone robs the Phone would remember my Bank user name and Phone verfication is all thats needed to reset the pasword and Rob all the Money Beat anyone up then steal there cellphone the Rober can reset all peoples paswords with just the phone remeber most everything Reseting Bank Pasword requires only ( 1 ) user name that all computers atomaticaly remeber ( 2 ) Phone Number Verification Somone Breaks into my Aparmtnent and I send 10,000 emails everday so the Computer is on 24 hours dailey and the Bank Rober checks my computer history Chase Bank Login rememebers my User name and the Rober would use my Cellphone to Verify me XXXX XXXX Refugee most have no mailing adress so 5 years I have no Chase bank Pin and never use my XXXX XXXX To Report youre XXXX XXXX lost XXXX XXXX you need the XXXX XXXX number and PIN also to Call the BANK so the BANK robber vidio camera it or Phone Hack To talk to a banker everyone enter enough infermation so people can rob all there Money Paying fore anything and opening a differnet Bank acount all companies only need to Acount Number and Routing Number to take money Out of peoples acounts If somone stole all chase bank acount numbers thats all that needed to Rob People Anyone can rob peoples bank acounts with no user name or pasword they only need the Acount Number Turn of the BANK ATM and Credit cards turned off then Companies can still charge them I only leave my Apartment once a month I could turn off all my bank cards so nobody could rob me but the Bank Robbers could still Purchase {$20000.00} on XXXX with XXXX XXXX tuned off Banker computers can be seen buy all bank customers can use a XXXX XXXX I has {$29.00} in bank fraud and closed all my bank acounts and order new cards at XXXX XXXX XXXX send my XXXX XXXX to XXXX dealers Adress I do more XXXX fraud checks and XXXX send more XXXX XXXX to the XXXX dealers becuse the Bank computer cant see all the XXXX XXXX then XXXX XXXX say its imposable to Comprehend and the Judge write the complaint so Poorley Drafted the Bank cant respond and oreder me to Pay the Bank lawyer fees after XXXX dealers stole {$25000.00} from me My Mom walked into XXXX XXXXXXXX XXXX and put a payee on all my bank acounts and stole {$50000.00} from me and XXXX XXXXXXXX XXXX XXXXawyers say they cant comprhend it ALL XXXX XXXX love to rob there customers becuse people have XXXX rights in Court Purchase anything at XXXX and XXXX remeber my credit card forever and i also have to remove my credit card from XXXX I would like to enter my credit card numebr everytime and dont want the coimputer to remmber it 2 years ago I had XXXX XXXX XXXX allowed free Wire Transfer now CHASE suport Email says some acounts do so check the Acount details and contact chase back and XXXX says the Bank dosent now so can I switch acounts to do it XXXX XXXX XXXX XXXX IL will only send the WIRE Instructions to a bank and not the Customer and Chase bank wont help and the XXXX XXXX only takes a Casher Check from a Local bank both wont let me open an Acount Most All banks XXXX Numbers require international long Distance mite cost $ 5000 yearly There no Chase banks buy me Being a Refugee XXXX XXXX then maybey XXXX XXXX my XXXX XXXX XXXX XXXX did not work so went to CHASE bank Branch would not let me use the Phone and security threw me out with zero help Opening my Chase Bank XXXX a rancher said people grew XXXX on his property and he poison there water is Herasment becuse I dont want to go to a bank and have bank customers talk about Poisoning PEOPLE The Federal Government Dtermined me XXXX CXXXX XXXX Social Scurity i need a Computer assitive device to bank due to my XXXX i dont use a Phone and all banks refuse to XXXX XXXX | ||||||
| 04/25/2021 | Yes |
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| XX/XX/2020 My computer was hacked into and someone loaded teamviewer and with access to my e-mail ( XXXX ), and some merchant sites with passwords saved using XXXX XXXX XXXXXXXX made unauthorized gift cards XXXX XXXX XXXX gift cards ). XXXX. They had access to my XXXX, XXXX and XXXX accounts. - All accounts had saved credit card info for payment. - XXXX had credit card & gift card balance. - XXXX had credit card, along with linked to my XXXX account. XXXX. They purchased XXXX XXXX e-gift cards without my authorization which e-mailed to my XXXXXXXX XXXX account then after accessing the e-mail and acquire the e-gift cards info, they permanently deleted the e-mail. XXXX. XXXX and XXXX both had the same credit card XXXX XXXX XXXX XXXX XXXX info saved, which I am having issue with with the dispute on the XXXX transactions made using the credit card through XXXX. But Chase took off the charge on the transaction made through XXXX. Here is what happened. XXXX. XXXX : The hacker was not able to use the credit card on my XXXX account to purchase XXXX Play e-gift card, probably because XXXX required addition information to verify the purchase, but the hacker managed to use {$190.00} of the {$190.00} XXXX gift balance and made a {$190.00} XXXX XXXX XXXX card, then the hacker " archived '' the transaction right away, to hide it from me as long as possible, which I didn't notice until a few days later when my XXXX gift balance was only {$5.00} left. XXXX. XXXX : The hacker made XXXX transactions of {$200.00} each ( limit per transaction XXXX through XXXX. First transaction was through the credit card XXXX XXXX ending XXXX XXXX and XXXX e-mailed the e-gift card info to my e-mail account which they had access to and they took that. Then they made another {$200.00} transaction paying with my XXXX account, which is linked to my XXXX account, but somehow XXXX cancelled the transaction. Still my XXXX account is linked to my XXXX XXXX checking account with limited balance and enough to cover the {$200.00}, which then XXXX XXXX dinged me for overdraft charge ( I called XXXX XXXX told them about the fraud charge and XXXX XXXX reversed the overdraft charge when XXXX returned the fund to XXXX, which then refunded back to XXXX XXXX XXXX. The XXXX transaction was made using the same credit card XXXX XXXX ending XXXX XXXX and again XXXX rejected and cancelled the charge. - I called XXXX XXXXXXXX XXXX the following day when I noticed the transaction and Chase took care of the charge. XXXX. XXXX : The hacker made XXXX transactions of {$400.00} each on e-gift cards for XXXX XXXX using the credit card ( XXXX ending XXXX ). And all went through with the hacker made off with {$1600.00} from XXXX and deleted the e-mail after they retrieved the e-gift cards information. I reported this to XXXX XXXX XXXX the following day and Chase took it off my account and started the investigation. A few months later, they claimed that the transactions were valid and placed the transactions back to my credit card statement. I have called them a couple times after that and even filed a police report since they did asked for XXXX. But Chase still claimed that the transactions are valid, even when I didn't make or authorized the transactions. What do I do now? If I can find an attorney to handle this, will the fee and such be paid for by the credit card company? The transactions were fraudulent but the Chase kept on insisting that the transaction are valid. There is log on XXXX that shown the time and the XXXX XXXX that was used to login to my computer. At the same time, I think I can request XXXX to resend the e-mails with the e-gift cards and someone can track the XXXX XXXX e-gift cards. Note : I have never purchased anything through XXXX XXXX, nor have I ever purchased XXXX XXXX gift card in any form. | ||||||
| 07/24/2020 | Yes |
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| On XX/XX/2020, I opened a checking and savings account with Chase Bank under a promotional offer. The offer was in 3 parts : 1 ) Earn {$300.00} for the checking account for setting up direct deposit within 90 days ; 2 ) Earn {$200.00} for the savings account for maintaining at least {$15000.00} for 90 days ; and 3 ) Earn {$100.00} when both requirements are met. I set-up direct deposit from my job into my checking account on XX/XX/XXXX, and earned my {$300.00} checking bonus on XX/XX/XXXX. After my XX/XX/XXXX paycheck, I was furloughed from my job due to COVID-19, and as a result, no further paychecks were direct deposited into my account. There was about {$1500.00} remaining in my checking account that I used for rent on XX/XX/XXXX, so my checking account had a {$0.00} balance as of XX/XX/XXXX. I checked all of my account statements and terms & conditions, as well as the fine print of the promotional bonus offer, and saw that I would be not be charged a maintenance fee on my checking account as long as I maintained at least {$5000.00} in my savings account. I maintained the {$15000.00} in my savings account for 90 days as required by the promotional bonus, and on XX/XX/XXXX, the {$200.00} savings bonus was credited to my savings account. However, I noticed that my checking account was no longer listed in my online list of accounts. When I called Chase customer support on XX/XX/XXXX, I was informed that my checking account had been closed on XX/XX/XXXX due to a {$0.00} balance and no activity for 60 days. Furthermore, I was told that I was not eligible for the {$100.00} bonus because my checking account had been closed. Additionally, the terms of the promotional offer say that the bonus must be paid back if the account is closed within six months of being opened. I had asked the customer service agent about this, and after checking with her supervisor, I was told I would not be liable for paying back the bonus, since Chase had closed my account, not me. However, after later speaking with a member of the escalation team a week later on XX/XX/XXXX, I was told that I would be required to pay back to Chase Bank the {$300.00} checking account bonus. According to the Chase Deposit Account Agreement ( I've attached a copy to this complaint for reference ), on Page 20 under Section 8 " Closing Your Account '', the only reference to an account being closed for having a {$0.00} balance is quoted as " We may automatically close your account if the balance is {$0.00} or negative. '' Under the same section, paragraph two : " We may send you written notice that we have closed or will close your account ; '' I understand the necessity for Chase to close inactive accounts, but due to the short time period ( 60 days ), the fact that I was not contacted or notified that the account would be/has been closed, and the extenuating circumstance that I had been furloughed from my job and had not received any direct deposits as a result, I believe that I have been unfairly punished for circumstances that were outside of my control. My complaint is this : I completed all of the requirements for the {$600.00} promotional bonus as listed in the terms & conditions of the bonus, but Chase has only paid me {$500.00}, and has told me that I will need to pay {$300.00} of it back to Chase. The terms & conditions of the promotion, as well as the deposit agreement of the account, do not state a requirement that the checking account will be closed if it had no activity and a {$0.00} balance for 60 days. I had not been contacted by Chase about the account closure, which prevented my taking action to prevent the closure from happening. And finally, I feel that I have been unfairly been taken advantage of because I had been furloughed due to COVID-19 and had no paychecks being deposited into the account. | ||||||
| 07/30/2016 | Yes |
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| I disputed a credit card charge with a rental agency after they cancelled my original contract and would not provide a refund. This particular dispute has been a drawn out and extremely frustrating process, especially when it is blatantly obvious that this is an invalid charge. My credit card company came back and said I was responsible because services were rendered. They thought I had accepted an alternative option ( different condo ) and stayed there. I never signed a new contract, accepted an alternative, or stayed in a property managed by the company. When I clarified this with my credit card company and reopened the dispute. They claimed I was responsible because the time window had passed to dispute Timeline : My reservation was originally made on XX/XX/2015. This contract specifically has the stated address for the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) in which I booked a XXXX bedroom suite for XX/XX/2015-XX/XX/2015. On XX/XX/2015. I was contacted by XXXX XXXX of XXXX XXXX informing me that our reservation was cancelled by the merchant I then spoke with the company asking if they had any alternative rental properties. The new property was not in the location that I originally booked, therefore I did not accept the offer or stay there. I called XXXX XXXX of XXXX XXXX the following week and declined accepting the other property. The new unit was n't in the same location as the original property ( XXXX XXXX ) but rather XXXX miles away ( XXXX XXXX ). XXXX informed me that the owner had already been paid and thus they were not offering me a refund. I did NOT accept the new property, did NOT receive, accept or sign a new contract. The original contract was CANCELLED by the merchant. This is as if I had paid for the XXXX XXXX and they overbooked me and offered to put me in a XXXX XXXX XXXX miles away without my consent and still charged me for the XXXX. I did NOT stay at this new property. I did book a hotel room at the XXXX XXXX XXXX on my chase card for the same time period, as my original contract was cancelled. I promptly disputed the charge in XX/XX/XXXX. After disputing the charge I sent a detailed description along with supporting documentation to the disputes team on at least 3 occasions. The faxes eventually received by the disputes team were incomplete and did not have all the information that I had faxed. I received correspondence in XX/XX/XXXX to send more supporting evidence. I sent the additional evidence again, multiple times via fax, for whatever reason all of my information was not received. When I received mail correspondence from Chase in XX/XX/XXXX that I was responsible for the charge and/or could provide additional information. I promptly called and finally got all the information delivered to the disputes team. I have received conflicting remarks from the disputes team saying that my dispute was rejected for two different reasons : 1 ) untimely submission of evidence, and 2 ) the new property was sufficient as a replacement. I would argue with either of these responses. I took action immediately in XX/XX/XXXX to dispute the charge and have time after time submitted promptly detailed information to support my dispute ( I ca n't control or explain why all of my faxes were not received by the dispute team. Additionally, I have called multiple times over the course of the dispute requesting that I be communicated via phone. I never was reached by phone. With regards to the property being a sufficient replacement. I do not understand this reasoning. I had a contract for a specific address. That contract was then CANCELLED by the merchant. A new condo was sent as an alternative, which was rejected. My credit card is still holding me responsible because of the lapsed time which was in no way a result of me not being proactive. | ||||||
| 01/16/2022 | Yes |
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| On XXXX XXXX my computer was hacked, and I was scammed into physically transferring {$13000.00} in cash from my Chase checking account ( I had {$14000.00} in there at the time ) into a bogus " business '' account. Allow me to backtrack. Got text message on cell phone that my XXXX account had been hacked. Called phone number given, which I stupidly dialed, and was informed my identity had been stolen, that he ( XXXX accent ) was a tech person working for the FTC, and we needed to set a trap to expose the party who had stolen my ID. Somehow the scammer ( guy on phone, who called himself XXXX XXXX, and gave me two ID numbers for himself : XXXX and ID : XXXX ), and called me incessantly from two numbers : ( XXXX ) XXXX and ( XXXX ) XXXX ( they show up as XXXX, Washington numbers but were no doubt reroutes ), principally the first number, gained access to my computer cursor on the monitor, and was able to " add '' {$13000.00} to the {$14000.00} I already had in there. It showed up as {$27000.00} on my computer screen. The scammer advised me to take the additional thirteen thou in cash out of my Chase account and deposit it in the following ( presumably fraudulent checking account ) in a XXXX XXXX bank. The name on that account, a XXXX XXXX checking account, was XXXX XXXX XXXX and the Acct. No. was XXXX. ( When I deposited the money the teller informed me that it was a business account. The scammer informed me that it was an XXXX business account. ) Little did I suspect that I was taking MY thirteen thou out, that the thirteen thou the scammer had added on my computer screen did not in fact exist. I realized this the following morning, when I got a notification from Chase and realized there was only {$1000.00} left in my account. He also wanted me to deposit money from my XXXX investing account into the following account, which of course I didn't do, after reporting him and blocking his phone number : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX Routing number : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX For further credit to : XXXX XXXX XXXX So Chase XXXX froze my checking account. Opened a new checking account in my name. I called their fraud department and reported the scam to some young-sounding girl. How much detail she took down and to what extent Chase actually dug deeper and investigated this I don't know, but it was reported XXXX XXXX, and I just got the denial notification XX/XX/XXXX, which is today. Chase informed me they were denying my claim to have the money reinstated. ( I believe the original XXXX phony phone numbers used by the hacker to reach me were ( XXXX ) XXXX and ( XXXX ) XXXX. ) Anyway, I reported the scam to the FBI, Federal Trade Commission ( scammer said he worked for them ), the local police, the Securities Investigator for the Attorney General 's office in XXXX, NJ ( XXXX XXXX ), the Chase Fraud Department, XXXX XXXX, and I even reported the bogus XXXX account to XXXX itself ( never heard back ). Oh, and one of my credit cards had been hacked. Chase denied the phony charges and cancelled that credit card. Is my grievance something that might fall within your purview? I am disputing the Chase denial claim, unsure if that will get me anywhere. I've been a loyal Chase client for at least twenty years, depositing a substantial amount of money in their checking account over that span and getting zero interest. Given that I was clearly a victim of fraud and did not actually see or benefit from a penny of that thirteent thousand, wouldn't the decent thing be for Chase to reinstate the lost money? Surely their fraud department must have investigated the account into which I deposited the money and realized it was a scam account. Hoping to get your input and possible help on this. Thanks very much. Sincerely, XXXX XXXX XXXX | ||||||
| 09/30/2017 | Yes |
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| I have both a mortgage and a Home Equity Line Of Credit ( HELOC ) with Chase. The HELOC was paid on an interest-only basis for the first 10 years, starting in XXXX XXXX, and then switched to a principal and interest basis in XXXX XXXX. The change in payment basis more than doubled the monthly payment on the HELOC. It increased from XXXX to XXXX. I received no prior notification from Chase that the payment basis was about to change. I discovered subsequently, in XXXX XXXX, that the reason I did not receive any notification was because Chase had not updated my mailing address. It had my old address on file for my HELOC but the correct, updated address for my mortgage. The representative with whom I spoke on the telephone in XXXX XXXX explained that because the new address was an international address in the XXXX XXXX, it needed to be entered manually. This was why the address I provided for the HELOC did not automatically update at the same time the mortgage address was updated. I note that my international phone number, however, did in contrast automatically update for the HELOC. I also did not receive any prior electronic notification even though I had and still have configured electronic alerts from Chase. For reasons then unclear to me, Chase 's postal and electronic notification systems did not work in this instance to provide prior notice of the payment basis changing. Chase informs me that they had sent me ( and my co-mortgagee, XXXX XXXX ) two letters by post in XXXX and XXXX XXXX informing me of the change in the payment basis. Both letters, however, were sent to the old address. I attach a copy of the XXXX XXXX letter showing the incorrect address. I first learned the payment basis had changed in XXXX XXXX when examining my bank account. When I queried this with Chase, through their secure message system, they confirmed the payment basis had changed in XXXX XXXX. I attach a copy of the secure message exchange XXXX XXXX. I then discovered in XXXX XXXX when examining my bank statement again that my XXXX and XXXX XXXX HELOC payments had not cleared because there were insufficient funds in my account. Again, I received no notification - either by post or electronically - that these payments had been missed. Again, this was because the address was still the incorrect address on file for the HELOC. I immediately called XXXX and made these two payments over the telephone. I also asked whether they had been reported to the Credit Reporting Agencies and had been advised that they had. I also asked if this could be amended and received a response several days later to the effect that it could not be amended because Chase had given me prior notification of the change in the payment basis. I asked Chase to review the decision and it was escalated to their Executive Office through their internal complaints process. The decision, however, remained unchanged. I attach a copy of their final decision. I believe Chase ' final decision is unfair because it was a failure on the part of Chase that its systems did not automatically update the address on both the mortgage and HELOC, even though I had provided the correct address. Had the correct address been provided, I would have had enough time to ensure there were sufficient funds in the account. I would also have received a notice that I had missed the XXXX and XXXX XXXX payments. At the very least then, I would have been able to ensure there were funds in the account to cover the XXXX payment if I had known of the missed XXXX payment. But Chase insists on reporting that I am to blame for missing both the XXXX and XXXX payments. I would note that I have held both owned the property against which both the mortgage and HELOC are secured since XXXX XXXX. I have not - until now - missed a single payment on either product. | ||||||
| 07/05/2015 | Yes |
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| In XX/XX/XXXX I made a trip to XXXX. While in XXXX I contacted Chase, my credit card company prior to a purchase I was thinking of making in XXXX. I discussed the possibility of having to dispute the charge. Chase assured me that I could dispute the charge made in XXXX. I made a purchase from the seller with a right to cancel. Within XXXX days I notified the seller and canceled the purchase. I notified Chase within the XXXX days and disputed the charge. They reversed the charge and sent me the dispute forms. I returned the completed forms to Chase within XXXX days. More than XXXX days had passed. I still had not received any notice from Chase of any kind with regards to the disputed claim. About XXXX after the dispute forms were submitted, I received a phone call from a Chase representative to inform me that Chase did not find the purchase to be fraud, as I signed for the purchase. I informed the Chase representative that I was disputing the charge. The Chase representative informed me that Chase would now forward the claim to the dispute department. A few days later, Chase reinstated the charge with no notification of any kind. I made several phone calls to Chase to get this resolved and still no answers. I went directly to my local Chase branch and discussed this issue with the manager. The Chase branch manager talked to another Chase representative and told me that the Chase dispute department had rejected the request as it was beyond XXXX days past the purchase date. The Chase branch manager forwarded theto the Chase Executive Offices to appeal. I was given a Chase representatives name and contact information. After several weeks of attempts to contact the Chase representative via phone and e-mail with no response, I was given the Chase representatives name and contact information of the Chase representatives superior. I made contact with the In XX/XX/XXXX I made a trip to XXXX. While in XXXX I contacted Chase, my credit card company prior to a purchase I was thinking of making in XXXX. I discussed the possibility of having to dispute the charge. Chase assured me that I could dispute the charge made in XXXX. I made a purchase from the seller with a right to cancel. Within 5 days I notified the seller and canceled the purchase. I notified Chase within the XXXX days and disputed the charge. They reversed the charge and sent me the dispute forms. I returned the completed forms to Chase within XXXX days. More than XXXX days had passed. I still had not received any notice from Chase of any kind with regards to the disputed claim. About XXXX after the dispute forms were submitted, I received a phone call from a Chase representative to inform me that Chase did not find the purchase to be fraud, as I signed for the purchase. I informed the Chase representative that I was disputing the charge. The Chase representative informed me that Chase would now forward the claim to the dispute department. A few days later, Chase reinstated the charge with no notification of any kind. I made several phone calls to Chase to get this resolved and still no answers. I went directly to my local Chase branch manager to discuss this issue. The Chase branch manager called the Chase dispute dept. and was told they had rejected the request as it was beyond 60 days past the purchase date. The Chase manager faxed all of my information to the executive offices. I was contacted, and left a phone & e-mail message by XXXX XXXX at the executive offices. After several weeks of attempts to contact him, my bank manager had his supervisor XXXX XXXX, contact me on XXXX XXXX. It was now XXXX day later. The end result was that she refused to reverse the charges. I then received a written letter on XX/XX/XXXX confirming our phone conversation. This is the first and only written response denying my dispute request. | ||||||
| 07/04/2016 | Yes |
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| XXXX attmpd a mod w/Chase divorced. Denied 2x 's & with the help of a XXXX advsr advsd Chase I was within the means & was apprvd immediately spring XXXX. However, Chase does not have the correct date of mod documented as they lost paperwork & I had to resend it causing the eff date to be XXXX XXXX. XXXX XXXX my company closed after decreasing work hrs since XXXX XXXX. My son had XXXX on XXXX/XXXX/XXXX which was an unexpected expense & brought me in rears for the XXXX month eff XXXX/XXXX/XXXX. I tried to make paymnt to chase & get back on track but they denied it wanting the full amnt. this forced me to contact a realtor XXXX XXXX for a Short sale due to foreclsr notices upon living in home for 22 years. I tried to work w/chase & inquired about programs. the BIG mistake they made ... I ONLY SPOKE to a rep who explained the uneplymnt prog & told her I would follow up if I could do. I applied for this program in the spring of XXXX with appropriate forms reqrd only to be advsd by Chase I was alreay apprvd In the fall?? To this date, they have NEVER been able to provide documentation that I sent in to apply for this in the fall of XXXX as I NEVER DID. What brought me to this was XXXX unsuccessful Short Sale attempts from XXXX XXXX - XXXX XXXX. The problem was the value of the home. My realtor worked diligently with Chase with appraisals, photos etc to show them the XXXX diff & the value no greater than XXXX. XXXX short sale Chase Denied, the XXXX the potentl buyer backed out/which I have emails from their realtor. backed out due to the home insp showing {$50000.00} of reprs. However, my realtor did not contact Chase as we were getting no where w/the price differential. Chase DOES show they approved the sale and I DENIED IT. again, not true. continued to work with Chase from XXXX thru XXXX asking them to provide an appraisl on the home as it was not worth more than {$220000.00} & ignored. in the XX/XX/XXXX someone finally listened. recvd a call from XXXX XXXX in the exec office sending out an apprsr. which came back @ XXXX the amount my realtor & I expressed since XXXX. On XXXX XXXX XXXX I spke with XXXX XXXX who advsd me of this & stated this qualifies me for a great mod.She stated that chase is going to revw my entire file and wave all fees, atty fees, etc going back to the date that I reqstd this.She stated that the underwriters would like to get there hands on this Mod or would I prefer to wait for the revw. I am sure this was recorded & I stated I want to wait for the entire revw as I want to know exactly what I owe chase. Within a month I recvd a package for a trial mod?? I sent XXXX letrs to XXXX expressing I DO NOT WANT TO LOSE THIS MODIFICATION, however I am still recvng lertrs from chase they are still revwing & I want to know the exact amnt I owe. This continued till XXXX XXXX. I recvd docs that I ignored the mod. Then recvd the revw from Chase. I can argue each & every response but did not as I was told to just resubmit my documents as I am still eleg for this revw which I did. XXXX had someone call me in XXXX XXXX to say my mort was being place w/XXXX. I attempted to contact XXXX & did not hear bck. I contacted chase reps making sure they had my mod. I recvd paperwork it was all complete from Chase as well. I had to advs the cust serv reps about the mort being transfrd. Late XXXX XXXX returned a call to chase as underwrntg need addtnl info? .On this day the rep & I discussed the transfer of the mortg. I was advsd that day that I could just wait to hear from XXXX as my mod wld go straight over to their undwrters & offrd the same mod. This has not happned & again an addtl 7 months delq. It never went to their undrwts as I was promised nor are they aware of any waived fees, eleg mod, etc. & again or history of this. Chase dropped the ball. Filing a sep complt w/ XXXX. | ||||||
| 04/15/2017 | Yes |
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| I 'm concerned Chase 's posting practices may not comply with what they disclose to their clients. I set recurring payments on the XXXX of every month via the QuickPay service. I make mobile deposits before the cut off time every month on the last business day of the preceding month. This covers the QuickPay, which could be processed the next day or a couple of days later if the last business day of the preceding month was not the last calendar day of the month. I 've had this process going for a while with no issues, and a few months ago ( and this month ) I had issues. 1 ) XX/XX/XXXX at XXXX - I made a mobile deposit into my Chase account to cover the QuickPay payment set for XX/XX/XXXX. XXXX XXXX XXXX at XXXX - I received confirmation from Chase that my mobile deposit was accepted. It does disclose that further review may result in delayed availability, but this does n't apply to my situation. They may reserve the right, but they did not exercise ( and have never exercised ) it to delay availability of funds. The deposit I made should have been posted on XX/XX/XXXX, and it should be available on XX/XX/XXXX. 3 ) XX/XX/XXXX at XXXX - Chase sent me an email confirming my QuickPay was sent to the intended recipient. 4 ) XX/XX/XXXX at XXXX - I went to confirm the payment went out as intended ( since this issue occurred before ), and I notice that the funding failed again! I emailed Chase to notify them of this EFT error, and to see if I could get a better explanation this time. I did n't. 5 ) XX/XX/XXXXat XXXX - I received a response from Chase. It explained they confirmed my XX/XX/XXXX mobile deposit was made at exactly XXXX EST on that same day, and that the mobile deposit cut-off time was XXXX EST. Per Chase, this caused the delayed availability, even though the posting date would be XX/XX/XXXX. Given the facts above, this means that Chase received and accepted my deposit prior to the cut off time, but did n't process it until after the cut off time, which caused my payment to fail. 6 ) XX/XX/XXXX at XXXX - I responded to the explanation provided, and informed them there 's no way it could 've happened like that unless Chases practice is to not follow what they disclose to client 's. 7 ) XX/XX/XXXX at XXXX - Chase customer service still lacked the capability of understanding the concern. They explained deposits are not made available right away, and that they are available the next day. Again, I 'm not sure how my deposit would not cover a payment that was to occur the day after. I did n't need immediate availability. I needed it available when it was supposed to be, the next day! If I were to do this exact same transaction, but process the payment on XX/XX/XXXX manually, there would not have been issues. The money from the XX/XX/XXXX deposit would 've been available, and the payment would 've been funded. However, Chase 's system is designed to process the mobile deposit after the cut off time to delay availability for funding of recurring QuickPay payments set to occur the day after the deposit without disclosing that to clients. At least they have n't been able to provide any documentation related to me agreeing to this posting order ... I think they are taking advantage of clients, and could potentially be capitalizing on NSF fees because of this. I have not incurred any fees, but other people may have. Their customer service and complaint escalation reps are incapable of understanding the systemic issue that likely affects the millions of people utilizing mobile deposit and QuickPay. I would like you to look into this as my attempts to obtain answers and resolve the issue have failed. They do n't appear to be in compliance with their disclosures, and could potentially have Reg E issues with the process in which they attempted to resolve my notice of error. | ||||||
| 12/14/2016 | Yes |
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| A credit inquiry and credit card account was created under my name by Chase Bank and reported to credit agencies as legally authorized actions. I did not authorize or request any such account. At no time did Chase Bank attempt to contact me with regards to creating an additional account, I do have a legally obtained credit card with Chase Bank opened XX/XX/XXXX, account # XXXX and the last discussion I had with Chase Bank prior to discovering this fraud was XX/XX/XXXX regarding the credit card limit and my request to increase was denied sighting information obtained in a credit report. I first noticed Chase Bank activity related to fraud on or about XX/XX/XXXX when I noticed an inquiry had been made of a credit reporting agency regarding my file by Chase Bank. I monitor my file using XXXX XXXX and had been actively engaged due to negotiations I had ongoing with multiple mortgage brokers. Without delay thru my real Chase account and on their website, used their 'secure message system ' to request an explanation regarding the inquiry. They never responded to that message and deleted it from system at some point intentionally. Serious people would question the true intention of such a system that requires its use to submit written queries hoping for written responses only to see it 's security one sided. So on XX/XX/XXXX i followed up with the Chase Bank inquiry I made and seeing no response I again looked at the latest report from credit agencies and discovered a credit card was now listed as issued to me by Chase Bank on XX/XX/XXXX which authorized a credit limit of {$2500.00} in contradiction to my legal Chase account limit of {$500.00}. My credit dynamics had n't changed validating such extremes to be sure. I then tried talking with Chase Bank by phone where I was put into contact with personal that could not communicate english clearly, I somehow was able to give them information they deemed necessary to their interest. This is when I first noticed this faux account was now showing up on my personal account page when using the Chase Bank website. Intentionally staffing a system designed to obtain and disseminate sensitive information using personnel unable to clearly communicate is in of itself a fraud against consumers. From what I understood, their position is I had to cooperate with them but they did not have to cooperate with me unless I filed a FTC report, Police report and Identity Theft Victim 's Complaint and Affidavit stating that some random person propagated a scam on Chase Bank along with a hand written letter sent by USPS they then might cooperate. In summary : 1 ) What I know is Chase Bank accessed my credit file on XX/XX/XXXX under false pretenses. 2 ) Chase Bank reported to credit agencies a credit card account, numbered XXXX, listing me as guarantor under false pretenses. 3 ) Chase Bank issued a faux credit card account allowing a {$2500.00} credit limit when just months earlier rejected same person for limit over {$500.00} 4 ) Chase Bank did not try contacting me by telephone, nor did they send a message thru their 'secure message system ', or try contacting me by email and did not send a letter when this fraud occurred. 5 ) Chase Bank perpetuated the situation while my negotiations regarding other financial services were occurring and have failed to act in a mitigating manner. 6 ) Chase Bank has provided no information that allows for the accusation of an unknown person which does not allow me to make that assumption. In fact with the ongoing practices of Banks/financial institutions in general I have no reason to look past Chase Bank as the sole perpetrator. Closing : I want Chase Bank to immediately provide all written documentation they have proving any Identity theft along with IP addresses or phone numbers used. Thank you - XXXX XXXX XXXX | ||||||
| 12/24/2015 | Yes |
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| I am a senior of XXXX years old experiencing a SERIOUS HARDSHIP, as a consequence of reduced income, XXXX, and an ongoing, XXXX, NOT covered by XXXX. In 2015, I have applied for financial assistance with CHASE. My monthly mortgage payment was about $ XXXX/month. I have clearly asked CHASE to be considered/reviewed for each/every financial assistance alternative that I 'm eligible for. Initially, I 've had my application rejected by CHASE on a false premise, where CHASE stated that given the CURRENT STATUS OF MY TITLE, my application can not be reviewed any further. However, eventually, I was offered a Standard Modification ( SMod ), asking me to pay almost $ XXXX/month more than what I have previously paid. I am attaching to this Complaint, CHASE 's Review/Written Answer to the Customers ' Previous Complaint, opened in XXXX 2015. I am also informing CFPB of what happened to my Application For Financial Assistance ( AFFA ), ever since : 1 ) In XXXX 2015, I was told by CHASE that if I 'll NOT accept the Trial Payment Plan ( TPP ) offered, CHASE will accelerate the Foreclosure Procedure on me, if I am NOT PAYING IMMEDIATELY all the Past-Due Payments at once. 2 ) I was also told by CHASE that if I accept the TPP & start making the Trial Payments ( Tp ), during the Trial Period ( TP ), I will continue to be reviewed by CHASE 's Underwriting Department ( UD ), for any additional financial assistance alternative that I am eligible for, based on my most updated financial information submitted to CHASE/my current delinquency status. 3 ) During XXXX 2015, I have compiled additional documentation proving a SIGNIFICANT CHANGE in my financial situation and submitted it to CHASE, as required. Later on, both, XXXX XXXX ( my CHASE CAS ), as well as XXXX XXXX ( her Supervisor ), confirmed receipt of such documentation. Moreover, XXXX XXXX confirmed that my most updated package of financial information received by CHASE, has been forwarded to CHASE 's UD, & is currently ( as of XXXX 2015 ), UNDER REVIEW. At the end of XXXX 2015, I found out the followings, which were A COMPLETE SHOCK TO ME ( I am also attaching the documentation send to CHASE and received from CHASE, to this Complaint ) : a ) On XXXX/XXXX/2015 XXXX XXXX ( CHASE 's CAS ) advised me that my file/AFFA, has never been to the UD, after I was offered a XXXX XXXX SMod offer, on XXXX 2015. b ) Moreover, XXXX XXXX ( CHASE 's EO Rep. ) stated that according to CHASE 's notes on my file, The EO CLOSED my FILE/REVIEW on XXXX/XXXX/15, despite continuing to receive multiple Official Letters from CHASE ( even as I am writing this Complaint ), most of which are asking me submit additional documentation because my file/application is NOT YET COMPLETE. I can understand ( even though, I DO NOT agree with ), WHY XXXX XXXX is CONSTANTLY REJECTING MY APPLICATION for HAMP, since The Home Affordable Modification Program ( HAMP ) has been ONLY EXTENDED until XXXX XXXX, 2015. Even MORE SHOCKING is the fact that NOW, I AM TOLD by CHASE that because I have accepted the Trial Package, I can not be considered /Reviewed for anything, anymore. Last, BUT NOT LEAST, when I 've asked CHASE ( before making my last trial payment ), what my Modified Payment is going to be ( since it is currently almost {$300.00} higher than what my monthly payment used to be prior to asking for the current modification ), I was simply told that NOBODY AT CHASE IS BE ABLE TO KNOW, UNLESS and UNTIL AFTER I HAVE COMPLETED MY LAST TRIAL PAYMENT/TRIAL PLAN. I am asking CFPB to look into the serious claims of This Complaint, as this/these Governmental Program ( s ) has been designed to HELP CUSTOMER ( S ), NOT to ask them to PAY MORE. For many months now, CHASE denied me the right of obtaining a Complete Set of All Notes/Documents related to my application for financial assistance. | ||||||
| 04/29/2015 | Yes |
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| XXXX & XXXX Now in the home, I IMMEDIATLY HAD ISSUES WITH ELECTRICAL, CALLED ELECTRICIAN SEVERAL TIMES IN FIRST FEW MONTHS. ALL THE OUTLETS ON THE BACK WALL OF THE UNIT DO NOT WORK. THERE WAS NOT ENOUGH ELECTRICAL SUPPLY TO THE HOME TO SUPPLY ELECTRICITY TO THE HOME, OR ANY OPEN SLOTS IN THE ELECTRICAL BOX TO ADD BREAKERS. AS WINTER APPROACHED MY FURNACE WAS NOT ABLE TO STAY UP TO TEMP.THREE XXXX WITH TEMPS OF HIGH XXXX 'S -LOW XXXX 'S INDOOR TEMP! AFTER SEVERAL CALLS TO FURNACE REPAIR. IT HAD NEVER BEEN SERVICED IN 14 YEARS. CLEANED, REPLACED THERMOSTAT. REPLACED IGNITOR, MULTIPLE OTHER ISSUES. CONTINUES TO HAVE LOW OUTPUT. IN FIXING AND IMPROVING HOME TRIED TO INSTALL WALL UPSTAIRS BEDROOM ONLY TO FIND, NONE OF THE FLOOR LEVEL, FOUNDATION WAS CRACKED! WHILE STANDING IN BEDROOM, WINDOW ACTUALLY FELL OUT ON TOP OF ME! MY SON AND I HAD TO NAIL ITS FRAME IN PLACE TO HOLD IT IN! ALL WINDOWS HAD MAJOR DRAFTS, ICE ON WALLS IN WINTER TO ROASTING HOT IN XXXX WITH CENTRAL AIR ON FULL BLAST UNABLE TO KEEP BELOW XXXX. NOT BOUGHT AS FIXER UPPER! THIS WAS OBVIOUSLY MORE DAMAGE THAN I BARGAINED FOR AND STARTED TO BE BURIED IN COSTS OF FIXING THE HOME FOR SAFETY ISSUES. WATER BACK UPS, SOME DUE TO FAULTY DISPOSAL, SOME FROM TUB, UNABLE TO ACCESS WATER CONTROLS. FAULTY CROSSED WITH THE ISSUE OF AFFORDING TO FIX HOME OR PAY MORTGAGE, I COULD N'T AFFORD IT MUCH MORE. Called mortgage company CHASE, TOLD I COULD EASILY APPLY FOR MORTGAGE MODIFICATION. BUT I COULDNOT RESTRUCTER MY LOAN IN THE FIRST YEAR WITHOUT MY CO-SIGNER? HE WAS TO BE A CO-TENANT. I WAS TOLD ALL WE HAD TO DO WAS HAVE A QUIT CLAIM DEED ON FILE AT THE COUNTY AND HE WAS EXCUSED! I DID THIS IN THE FIRST 30 DAYS. MY CO-SIGNER WAS AN XXXX IN HIS MID XXXX 'S LIVING WITH HIS DAUGHTER! FOR XXXX! MULTIPLE MEDICAL ISSUES UNABLE TO CARE FOR SELF! I AM A XXXX FEMALE, UNABLE TO CARE FOR MYSELF MUCH LESS CARE FOR HIM ON MY OWN. IT IS A XXXX BEDROOM TOWNHOME! As a cosigner he was required to be a co-tenant? I would be delighted to have him. However his medical team was XXXX miles away, his family between an hour and two hours away from me, and he was supposed to move in with me? For what purpose? I was not informed co-signer signified marriage! I waited until the year was up and tried again, turned down by the XXXX bank due to income to debt ratio. Debt ratio was high due to money spent on home improvements. Myself, friends and my son continued to work on the home endlessly! Only to find more and more issues! I called FANNIE MAE and was denied! I was told I was not aXXXX XXXX HOME OWNER? HOW? I continued to check with XXXX, CALLED HUD, ALL OTHER HOUSING OPTIONS! NO HELP OFFERED OR EVEN HEARD! NO ONE WOULD EVEN LISTEN TO MY CASE. Now I started to look over my loan docs more closely for answers. I notice NONE of the numbers match for selling price on the HUD 1 sheet. I took loan docs back to the ACCAP for help, They agreed nothing made sense. MY INITIAL DOWN PAYMENT OF XXXX $ WAS MISSING OFF THE TOP! I SEE MULTIPLE COSTS FOR OUT OF POCKET EXPENSES I PAID. TO INCLUDE : HOA dues, TAXES, APPRAISAL, INSPECTION, ETC. ETC. I WAS CHARGED FOR DELINQUINT TAXES, CHARGED FOR THE YEAR TO COME TAXES EVEN THO IT WAS ESCROWED INTO MY PAYMENT, INSURANCE. PMI, WHY DID I HAVE PMI STILL AFTER I PAID MORE THAN 97 % LOAN TO VALUE? AFTER THE FIRST YEAR PROPERTY TAXES SHOW THE PROPERTY EVAL AT XXXX. I WAS CERTAINLY MORE THAN 80 % NOW? I CALLED THE CITY TO SEE THE PLANS FOR SAFETY, WATER AND NOISE ISSUES. I HEAR NEIGHBORS CONVERSATIONS, WATER RUNNING, & MORE! ALL! IT REVEALED THERE WERE NO PLANS FOR BLDG. THE CONTRACTOR WAS OUT OF BUSINESS FOR SUCH POOR WORK! I WAS ALSO TOLD I DID NOT HAVE ENOUGH INSULATION IN THE ATTIC, AND ISSUES WITH THE ROOF MAY CAUSE ICE DAMNS. ALSO FROM FAULTY DOWNSPOUTS. My HOA was responsible for walls out. MULTIPLE CHARGES ON SAME COSTS | ||||||
| 11/19/2015 | Yes |
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| My mother XXXX XXXX and I are co-owners of our primary residence, which we purchased in XXXX. Then, we had obtained a mortgage from lender Chase for a principal balance of {$380000.00}, and a monthly payment of {$4900.00}. In XXXX XXXX, for a number of personal and financial reasons, most of which were temporary, we fell behind on our payments and began the process of applying for a loan modification. ( A foreclosure action was filed against us, but the action was ultimately suspended, as our file was under review for a modification. ) We were finally offered a trial modification in XXXX XXXX and a final HAMP modification two days ago, on XXXX XXXX, XXXX. During a time period of almost 7 YEARS, from XXXX XXXX to XXXX XXXX, we were in the process of applying for the modification. We would call Chase, be told that our application was " under review, '' then be told that our documents expired because the 60-day time period had passed, and we were forced to submit documents all over again. This cycle happened repeatedly. There were also lengthy and numerous delays caused by Chase ( e.g. waiting for their appraiser, etc. ). Importantly, during this time, interest and fees were accruing. The final modification we are being offered is for a new principal balance of {$520000.00} and a monthly payment of {$4100.00}. Our complaints about Chase are as follows : ( 1 ) The loan modification process took the extraordinarily unreasonable time of 7 years because Chase was not undertaking the modification process in good faith. This is prejudicial to us because interest and fees were accruing on our account during the entire 7-year period. If Chase had shown good faith, including processing our application in a timely manner, we would not have been forced to accumulate the high amount of interest and fees. ( See recent XXXX XXXX, XXXX decision XXXX XXXX Bank, XXXX. XXXX XXXX XXXX NY Slip Op XXXX, Supreme Court, XXXX XXXX, NY XXXX finding that plaintiff lender failed to negotiate in good faith to reach a mutually agreeable resolution pursuant to CPLR XXXX ( f ), in part because lender repeatedly claimed that the modification application was not complete ]. ) ( 2 ) We are unable to afford the new offered monthly payment of {$4100.00}. Our original monthly payment was {$4900.00}, so this new monthly payment is only a savings of {$750.00}. Furthermore, about half of the new payment is to cover our monthly escrow fee, which would not be as high, had we not accumulated so many fees and charges during the 7-year processing period. ( 3 ) We were not considered for any programs other than HAMP. Per Chase, we were only considered for HAMP, not for any of the XXXX modification programs. As our application showed, our income is relatively high but our documented expenses ( associated with tenants on said property, and with basic living expenses ) are also high and are equal to almost half the value of our income. Chase explained to us that other programs such as XXXX look at both income and expense, whereas HAMP only looks at income. Had we been considered for XXXX of the other programs, which takes into account expenses, we might have been offered a more affordable monthly payment. ( 4 ) The new principal balance they offer is {$520000.00}, which is higher than the current estimated value of our home. We had sent over to Chase more than XXXX Comparative Market Analysis ( " CMA '' ) done by a licensed real estate broker that, as of XXXX, estimated the value of our home to be between {$380000.00} to {$400000.00}. ( 5 ) We are not being given enough time to make a decision. We received the final modification offer on XXXX XXXX, XXXX and are told that a response is due on XXXX XXXX, XXXX. This 10-day period does not give us enough time to consult with an attorney or counselor about our options. | ||||||
| 11/10/2015 | Yes |
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| Chase Home Finance has been since XX/XX/XXXX, showing me behind on my mortgage payments. I bought my house XX/XX/XXXX, and made my first payment to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX, I receive a statement from Chase home Finance stating that I am behind approximately {$3300.00} on a XXXX XXXX, XXXX statement. I start disputing this information not only with Chase but with XXXX XXXX XXXX. XX/XX/XXXX, I receive an apology letter from XXXX XXXX XXXX stating that I have not been behind on my payments, all payments have been made on time to date. I thought the issue was resolved. it was not. XX/XX/XXXX, I receive a statement from Chase Home Finance stating I am approximately {$3300.00} behind dated XX/XX/XXXX. XX/XX/XXXX, I receive a second statement from Chase stating I am approximately {$5400.00} behind, dated XX/XX/XXXX. One day later, 24 hours apart, both letters are in accurate. there is no way on earth, within a 24 hour period, could I be behind a difference of over {$2500.00}? I have paid all payments via XXXX XXXX and I have all original records. XX/XX/XXXX, I pay my payment, and later that month receive a letter from XXXX XXXX stating Chase Refused my payment. I sent in two payment in XX/XX/XXXX and again I receive a letter from XXXX XXXX stating Chase refuse my payment. I finally contact customer service XX/XX/XXXX or XX/XX/XXXX and THEY TELL ME they are taking me through a modification. I state " NO you are not, I have been paying my payments, I am not behind, leave me alone. I fight with them for two months, at which time I gave in and said fine. It takes Chase another 6 months or more to approve me, the modification took my payment from {$1100.00} to {$1000.00} and now I am behind because of Chase failure to accept my payments in XX/XX/XXXX and XX/XX/XXXX. I have went to the Nevada Foreclosure Mediation with Chase XX/XX/XXXX to no avail. prior to the mediation, I pulled all my original records and performed a complete financial audit of my entire account since day one, along with all statements associated with those payments. My accounting came within {$380.00} of Chase numbers, meaning, Chase has been debiting my account instead of crediting my account. For Example, XX/XX/XXXX, I paid a {$1000.00} payment to Chase, the very next month, my XX/XX/XXXX statement shows a credit of {$0.00}. XXXX Penny, they credited me XXXX penny, not the {$1000.00} payment, but XXXX penny??? Chase 's was suppose to do a complete financial audit of my account. I receive a telephone XX/XX/XXXX, from XXXX from the Executive Offices for Chase, and she said " XXXX XXXX, you are correct about the amount we said you owed, you only owe approximately {$8600.00} from XXXX XXXX to date, not the {$12000.00} we said you owed. '' That is one example, in a line of examples that I can prove with documentation that Chase has been fraudulently trying to foreclose on my home. I attach all documentation with the financial audit I did, the spreadsheet and all attached back up of all payments for your review. I need help with Chase because they just denied me a modification due to my other modification that I should not have went through to begin with. XX/XX/XXXX, I had a credit of over {$2000.00} when they refused my payments, stating I was behind and they were going to take me through a loan modification. I did not want that one, and it took them over 6 months or more, to approve it. meanwhile, I am getting further behind on my mortgage payments, due to no fault of my own. I attach all documentation for your review and have much more if you need it. thank you. Now, since XX/XX/XXXX, Chase is claiming I am behind in my mortgage payments of over {$48000.00}, and during my XX/XX/XXXX modification, place a XXXX lien on my home for over {$42000.00}. | ||||||
| 01/17/2016 | Yes |
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| CASE NUMBER XXXX1. I filed a complaint on XXXX XXXX, XXXX against JP Morgan Chase Bank and their Assignees XXXX. The complaint related to fraudulent practices of advancing loans on credit cards by JP Morgan Chase Bank to which I was a victim. ( a ) XXXX the key complaint against JP Morgan Chase Bank was the charging of interest at the usurious rate of 30 % which recovery was continued by their Assignees XXXX as set out herein below. ( b ) JP Morgan Chase Bank has also expressed their inability to provide card member agreement or marketing materials at the time, the card was issued, which would have enlighten the agreement relating to the rate of interest, which went on gradually increasing at 30 % per annum, which was unconscionable, illegal, and against the creditor/debtor law. I have attached the statements which show the increase in the rate of interest. Their inability to furnish card member agreement or marketing materials, will prove that the bank is trying to suppress information and their guilt. ( c ) There is no reason as to why they can not provide information related to credit observer. The fact that the credit observer services have been offered by the third party, is no ground to evade the information .2.The reasons for declining the fraud claim are hollow and redundant for the reasons set out herein below : ( a ) I am a XXXX and I do not understand the meaning of some financial expressions, like credit observer. However it was incumbent upon the bank to explain these charges and the purpose of these services, which the bank has not done. ( b ) The claim filed against the claim protector was correct and I was unemployed during the relevant time the chase payment protector was in force on my credit card. The declination of my claim was wrongful and unjustified for which the bank will be liable to reimburse me. The bank is called upon to produce the copy of the claim filed by me and decision to decline the claim. ( c ) it is incorrect to suggest that the unemployment occurred prior to XXXX XXXX, XXXX that is prior to the enrollment of benefits.3. The account was then assigned to XXXX XXXX without notice to me who have failed and neglected to respond to my complaint because they have no answer to my complaint, and therefore the facts and allegations contained from Paragraphs XXXX to XXXX of my complaint are admitted by them. Their Attorneys XXXX having their offices at XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NY XXXX ( XXXX ) who are also deemed to be " Debt Collectors '' have also not responded to the complaint and are also deemed to have admitted the allegations contained in my complaint. The charges leveled against the Assignees XXXX XXXX and their attorneys are serious enough, to warrant immediate action. Some of their fraudulent conducts have been highlighted in the following paragraphs of the Complaint a.Paragraph XXXX and XXXX of the complaint alleges service of the Summons upon a non-existing " Fictitious person ''. b. Paragraph XXXX and XXXX alleges that a default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} without any evidence of proof of claim or their entitlement to sue me for want of copy of assignment. c. Allegations against their Assignees and their attorneys for charging compound interest which is illegal increasing the claim in execution by charging interest at 30 % p.a.. d. Payments made by me were illegally appropriated towards interest which was being charged at 30.5 % compound rate although the judgment provides for 9 %. No satisfaction of the judgment has ever been recorded. XXXX. Under the circumstances, in view of their default in answering the complaint, the statements and allegations made by me are admitted by them. I request you to take action as per paragraph XXXX of my complaint, by cancelling their license. | ||||||
| 11/09/2015 | Yes |
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| I wish to file this complaint against EMC. EMC stated in my XXXX court case that they never had interest in my property and were never a beneficiary. XXXX XXXX was with XXXX XXXX when this was admitted. It was also admitted by XXXX XXXX of XXXX, XXXX, XXXX. Both XXXX XXXX and XXXX XXXX were legal counsel for XXXX XXXX. It was also admitted by XXXX XXXX, EMCs attorney. XXXX XXXX, general counsel for EMC and JP Morgan wrote an affidavit as well that she was not able to find this loan/property anywhere. XXXX XXXX said they did an extensive search. A new lawsuit has now been filed. This time it is judicial and XXXX XXXX is at it again. They represent the sole XXXX, XXXX XXXX, but under the guise of XXXX XXXX. XXXX XXXX is their client. Anyways, they had a XXXX witness come into court ( who failed to mention she had a XXXX degree from XXXX University and had practiced law in Oregon ). Anyways, she made some interesting statements and due to her education level should most definitely be held more accountable for her testimony. The XXXX assignment made by WF on my property ( recorded in public realm XX/XX/XXXX ) was admitted as inaccurate by XXXX XXXX on XXXX/XXXX/XXXX ( I sent you a copy of his declaration and the verbatim previously ). After admittance, nobody exercised due diligence and removed the XX/XX/XXXX assignment from public record, despite XXXX XXXX 's and EMCs own admittance that it was inaccurately recorded in the public realm and that EMC has never had interest nor a beneficiary of my property. INSTEAD they left it there to build off of it, therefore rendering every single other assignment made in XX/XX/XXXX void. They show a XX/XX/XXXX assignment from XXXX XXXX to XXXX XXXX and then an XX/XX/XXXX assignment to EMC LLC as their attorney in fact to XXXX XXXX. They also altered XXXX of the endorsements. Funny, the XXXX XXXX XXXX trust requires that the note and DOT be endorsed properly. The note is absent an XXXX endorsement. XXXX XXXX admitted that the endorsement on the note to XXXX was added XX/XX/XXXX. The trust has a closing date of XX/XX/XXXX. There is no way this loan was effectively sold into the XXXX XXXX XXXX trust. Matter of fact, XXXX XXXX states they are the custodian and they have documents in their custodian file that state ENDORSMENT ISSUE ( ATTORNEY NEEDS ) and also another document that states UNPOOLED. They claim it is in the XXXX pool of XXXX XXXX XXXX XXXX. XXXX would need to be a ncessary party if this loan was truly put into the trust, as well as timely I might add, per the specific rules of the XXXX agt. My mortgage note was discharged in XX/XX/XXXX bankruptcy, and the loan was not re-affirmed. XXXX XXXX had a non-negotiable instrument. However, I paid approx. $ XXXX in payments direct to XXXX XXXX in good faith, despite no longer being an obligor on the note, and since I had not paid off the loan. IN GOOD FAITH. XXXX XXXX tried to get me to sign a loan modification in XX/XX/XXXX that had ridiculous errors that they tried to pass off as a computer glitch. They raised the interest rate which raised the payment, all during our hardship. XXXX XXXX said had we signed the loan modification, EMC would have honored it. This statement alone ( although hearsay, but it was said ), tells me the loan could not possibly be in the trust for starters. XXXX XXXX 's witness XXXX XXXX claimed that XXXX has held the note and DOT the entire time, which is another reason why I do not believe the loan was put into the trust. I am not sure how XXXX XXXX could have LEGALLY negotiated a note that was no longer a negotiable instrument due to it being discharged in chapter XXXX BK in XX/XX/XXXX and not being re-affirmed. XXXX XXXX has been creating new documents or fabricating documents such as these XXXX XXXX sheets that they expect me to believe. Tired of the XXXX! | ||||||
| 11/05/2015 | Yes |
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| My Chase Hyatt credit card was stolen and fraudulently charged. While on vacation in XXXX, XXXX on XXXX/XXXX/15 at approximately XXXX after paying for and receiving a massage the masseuse left the room and XXXX men entered. XXXX stood at the door while the other XXXX men surrounded me. XXXX of them told me to sit down and when I tried to leave was punched. First they wanted my hotel key card then I was told to empty my pockets onto the table. XXXX of them took my wallet left the room then returned with XXXX credit card bills for me to sign. I stood up and was hit again. I was told if I did n't sign they would hurt me. XXXX was on my Chase Hyatt credit card for {$3200.00} the other was on my XXXX XXXX debit card for {$1600.00}. They then told me that if I said anything to anyone they would come to my hotel, find me and hurt me. XXXX of them asked where I lived in the United States as if they would find me wherever I was. They then let me leave. There was no product or service provided. I had already paid in cash when I first got there for the massage. Although shaken up and afraid they would make good on their threats I decided to file a police report, ( see attached PDF # XXXX ). Immediately after the incident I received a Chase Fraud Alert for {$3200.00} by email ( see attached PDF # XXXX ) and called their fraud department to confirm that a fraudulent charge had occurred. The charge was removed. The representative told me it was from a shoe shop and joked, " That 's a lot of shoes ''. Two weeks later I received a form to fill out to explain what had happened which I filled out and sent back along with a copy of the police report. I 've researched this and my assailants were the XXXX XXXX. Here is the scam explained. It is scam # XXXX - XXXX/Here is an undercover video showing what happens, XXXX This is pretty much what happened to me except that XXXX guys entered the room and XXXX. I have a XXXX if needed. I refused to take my cargo shorts off during the massage because I had my wallet and passport on me and did n't feel comfortable. Attached is a PDF file of the phone and mail correspondence for the last five months, ( see attached PDF files # XXXX and XXXX ). After 3 months Chase Fraud sent a letter ( see attached PDF # XXXX ), that they decided it was n't fraud because I signed the credit card receipt? It 's disingenuous to say that after I had told them 3 months earlier that I was forced to sign it. They then transferred it to the Disputes Department which took another month of investigating. Disputes received a sales slip with a fraudulent signature ( see attached PDF # XXXX ) but still considered it a valid transaction. I paid the {$3200.00} ( I was originally charged {$3200.00} so why the increase? ) reinstated charge due on XXXX/XXXX/2015 to keep my good credit intact. On XXXX/XXXX/2015 I received a letter ( see attached PDF # XXXX ) from Chase informing me that they had contacted the all XXXX credit reporting agencies to inform them that I disagree with the outcome of the dispute. Is this common practice? I was never in default and paid before it was due but my credit score has dropped XXXX points from XXXX to XXXX? I have n't opened any new lines of credit. ( See attached PDF # XXXX XXXX Over the last 5 months the charge has been removed and reinstated XXXX times. I 've been bounced between XXXX different representatives. As asked, I 've sent them the police report XXXX times but when I asked if they had translated it from XXXX I was told no, they never translated it. What exactly was investigated for 3 month to decide that I signed the receipts? Something that I had told them 3 months earlier when it happened! This has been very stressful for me. I 've been anxious and at times it has affected my sleep. It should have never taken this long. | ||||||
| 12/13/2016 | Yes |
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| Washington Mutual as agent for XXXX XXXX filed a default Complaint stating I was in default beginning XX/XX/XXXX. I was n't and never had been. The Court has ignored this. While we were appealing Washington Mutual was closed by the Office of Thrift and filed bankruptcy XX/XX/XXXX. XXXX County Court conducted a Sherriffs sale on the property ( while we appealed ) XX/XX/XXXX which was purchased /confirmed to Washington Mutual. In XX/XX/XXXX and again in XX/XX/XXXX the property was recorded as transferred to JP Morgan Chase FDIC receiver as successor in interest to Washington Mutual. I submitted the FDIC notice forbidding continuation of contracts with Washington Mutual, ( ignored ) The Supreme Court ruled in my favor after XXXX XXXX XXXX created a XXXX XXXX case submitting a second assignment of mortgage from a notarized affidavit XXXX XXXX claiming she was vice President of Loan Documentation servicing both XXXX XXXX and JP Morgan Chase. XX/XX/XXXX we recieved a 10 day eviction notice on the writ of possession " without delay you cause JP MORGAN CHASE BANK , NATIONAL ASSOCIATION THE SUCESOR IN INTEREST FROM THE FDIC AS RECEIVER OF WASHINGTON MUTUAL BANK, THE purchaser of the real estate. '' Attached was an Affidavit as to Military Service listing XXXX XXXX as the plaintiff. The Attorney firm XXXX, XXXX XXXX, XXXX XXXX, Attorney XXXX XXXX XXXX filed this. I spoke to XXXX on numerous occasions who told me her client was XXXX XXXX. This was with drawn only to file a XXXX with out XXXX XXXX name listed. This time I called JP MORGAN, I spoke to XXXX supervisiors who looked this up with my social security number, the property address, XXXX XXXX XXXX Ohio XXXX. Was told this was a fraudulent eviction. JP Morgan did not execute this, they were not assigned this property, they did not purchase it and the FDIC did not name them as successor in interest during a fraudulent foreclosure. I was asked why in 8 yrs no one has noticed XXXX XXXX was foreclosing in the name of JP Morgan with out their consent or involvement. I informed the Attorneys, the Sheriff 's Office, Clerk of Courts and someone from the Prosecutors office my complaints were dismissed. I faxed a copy of this to JP Morgan research dept. as asked. XX/XX/XXXX a sheriff returned to my home informing me I had 3 days to get out before the doors were locked. This time I called JP MORGans legal department. I was told I would receive something by email confirming they have/had no involvement in the Foreclosure, was not assigned the mortgage or property, they did n't hire /retain these attorneys, nor execute this ev iction. XXXX XXXX affidavit is also fraudulent JP Morgan is not servicing this assignment and she does n't work for them. Both Courts have refused to acknowledge this as fraud. I also contacted the FBI who said they have reason enough to investigate but nothing except my word to confirm this. I have until Friday to file a reconsideration with the XXXX District Appellate Court ( XXXX County ) where it is obvious after 8 years they want me to lose my home. JP Morgan Chase legal said I would have this in 48 hours. XX/XX/XXXX. I do not have it, I made the calls, I discovered this fraud with out any doubt but no one will pay attention. Gov XXXX will not answer emails, or phone calls. The Attorney Generals office claims it is a civil case in Court and will not help. The Judge stated XXXX XXXX is not a party to this case and XXXX XXXX XXXX sent low cost housing alternatives Everyone is fine with me losing my home when I did nothing wrong. The XXXX District claims this is not Plain Error, basically that the public would n't lose confidence in the Judicial System if XXXX XXXX takes my home ( after taking all my money ). I of course disagree but I need JP Morgan to confirm this is fraud in their name. | ||||||
| 10/16/2023 | Yes |
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| On or around XXXX, I logged into my Chase online account. When doing so, I was presented with a couple documents I had to agree with to continue- a Digital Services Agreement and a Online and Mobile E-Sign Disclosure and Consent Agreement. One or both of these have a forced-arbitration agreement. Obviously, you can opt out of the forced-arbitration agreement. On page # XXXX of the Digital Services Agreement XXXX XXXX XXXX XXXX XXXX it says : Can I ( customer ) cancel or opt out of this agreement to arbitrate? You have the right to opt out of this agreement to arbitrate if you tell us within sixty ( 60 ) days of accepting this Agreement. Requests to opt out of this Agreement that are made more than sixty ( 60 ) days after the initial acceptance of this Agreement are invalid. If you already have pending litigation or arbitration against/with us when you accept this Agreement, any request to opt out of this arbitration clause will not apply to that litigation or arbitration. If you want to opt out, go to the Legal Agreements and Disclosures section of your chase.com or jpmorganonline.com profile or on Chase Mobile or JP Morgan Mobile. Otherwise this agreement to arbitrate will apply without limitation. Opting out of this agreement to arbitrate will not affect the other provisions of this Agreement. If you validly opt out of this agreement to arbitrate, your decision to opt out will apply only to this arbitration agreement and not any other arbitration agreement So, having read the agreement and being a knowledgeable consumer, I went to the Legal Agreements and Disclosures section of [ my ] chase.com profile.. Unfortunately, no option to opt out is present here. I then scoured the chase.com site for any option to opt out anywhere on their site. No such option is available anywhere on their site. So, I sent them a secure message, via their secure message center, asking where this option was. I was told to submit this option in writing to some XXXX XXXX XXXX I believe. When I pointed out that the above-referenced text says I can do this online, I was told to download the app and do it through there. I advised I was not downloading any such app and I again told the rep to opt me out of this arbitration agreement, per my right. I was then told to call some XXXX # to opt out. So I called the XXXX #. The first rep I spoke with had no idea what I was talking about - she thought I was trying to turn off my online access or my XXXX authentication. After speaking with her for ~ XXXX minutes, she transferred me to a number that disconnected me. I called back and spoke with a XXXX rep who also had no idea what I was talking about but after checking with another department informed me that we are no longer able to opt you out once you have accepted the agreements. I then asked to speak with a supervisor who supposedly filled out the form to opt me out. All said and told, I was on the phone for ~ an hour. And having spoke with ~ XXXX people at this point, most of whom just pawned me off to someone else, I had little faith in my opt out request being honored. So, I sent another message via the secure message center asking for confirmation that my opt out request was completed and was successfully submitted. I AGAIN got back a message referencing something other than the current agreements that I am trying to opt out of. All said and told I have now spoken with : * 3 people over the phone * 9 or 10 people via the website * 0 people who could provide me the link of where to opt out on the website * 3 people who referred me to an app * 2 people who referred me to a phone call * and 1 person who told me to go into a branch None of these people seem to know what they are talking about, and I have less-than-0 faith that my opt out request has been honored. | ||||||
| 07/27/2016 | Yes |
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| My wife and I reserved a rental car from XXXX, a foreign rental car firm, for a trip to XXXX in XXXX, 2016. When we reserved the car in the United States, we asked the XXXX representative to confirm that the reservation included ALL insurance, with the exception of collision damage waiver, for which we would be using our Chase credit card. We were expressly told that ALL insurance was covered. Prior to our departure, we confirmed this representation several times by phone. Indeed, the company 's web site also advertises this feature. When we arrived at the rental car facility, however, we were shocked to learn that insurance for theft of the vehicle was NOT included. If we did not add this surcharge to the contract, we would be held liable for the full replacement cost of the vehicle if it was stolen. This was, of course, contrary to what we had been told on numerous occasions about the insurance coverage. Moreover, we regarded this " threat '' as a high-handed, last-minute attempt to extort additional money from us. ( Moreover, this was itself a misrepresentation because the insurance would, in reality, cover only the deductible for theft since XXXX has a master policy for theft protection for its vehicles. ) Since we needed the car for all of our vacation plans, we assented to this charge under protest. But we informed the representative at the counter that this was contrary to what the company had told us on numerous occasions, as well as what was represented on the company 's web site that ALL insurance ( with the exception of XXXX ) was included. When we returned to the United States, we disputed this portion of our bill ( {$130.00} ) with Chase. In late XXXX, we were contacted by XXXX XXXX, a Chase representative to discuss the matter. I provided additional information to him regarding the dispute. XXXX XXXX then accessed the XXXX web site and saw the company 's representation that a quote included all insurance. Based on that, he indicated that the credit would be made permanent. Subsequently, we were again contacted by Chase. I responded to them by telephone at a number they indicated on the letter. Contrary to what XXXX XXXX had told us, the charge was still in dispute. I asked the representative to listen to the recording of the call I had had with XXXX XXXX. She indicated that only a supervisor could do that, but would make the request. On XXXX XXXX, 2016, I received a call from a Chase supervisor, XXXX XXXX. He stated that he had listened to the recording several days earlier. Contrary to what XXXX XXXX had told me, he stated that the recording did not indicate that the matter had been resolved. I asked to listen to the recording, or to receive a transcript of it. Both of these requests were refused. I urged him to listen to the recording again. He was vague as to whether he would do so. During the call, it was apparent that Chase is violating various statutes and regulations designed for dispute resolution process. First, an earlier Chase representative acknowledged that it had received NUMEROUS complaints about this company and its deceptive practice of getting consumers to take additional insurance at the counter. XXXX XXXX refused to consider this fact in considering the merits of our dispute. I urged him to recognize that our complaint was obviously consistent with those of dozens of other consumers. Second, XXXX XXXX refused to extend the time to resolve the dispute, notwithstanding that we had just received a written request for additional information from Chase. And, finally -- -and most disturbing -- -- XXXX XXXX XXXX position on disputes does not allow for any oral misrepresentations or review of primary documents such as the company 's web site. In his world, there is no fraud or deception because you " agreed '' to the charge at the count | ||||||
| 11/01/2016 | Yes |
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| On XX/XX/2016 while vacationing in XXXX, I attended a timeshare presentation. I accepted the offer, paid {$4100.00} on my credit card as a deposit, and signed a contract with XXXX XXXX. As soon as I returned from the presentation I was informed by some locals that XXXX XXXX did not exist, they had no timeshares to sell, they were scamming people and the company was a fraud. I was advised to report it to my credit card company and to return to where I signed the contract, cancel it and get a refund. I had a 5 day right to cancel by law. I immediately called Chase and reported the incident as fraud. I explained exactly what happened, I stated that I had been scammed by a timeshare company and that I was going back to cancel the contract and get a refund. The first call I made to Chase was from the taxi on the way back. When I arrived, they were very angry but agreed to cancel the sale. I had the contract in my hand. They asked me for the contract and then typed up a letter stating they agreed to the cancelation, would refund my money and signed it. They refused to give me the contract back. They said that the contract was cancelled, I had the letter, and that was all I needed. When I returned to my hotel I phoned Chase again and told them I had the letter. I was told not to worry the charge would be removed from my account and I would n't be responsible for it. The charge was promptly removed from my account as promised and I did not worry. When I returned home I received a letter from the Chase Fraud Department requesting information. I promptly filled it out and returned it via US mail. I enclosed the original cancellation letter that I received stating that the contract was cancelled and the money, {$4100.00}, would be refunded to my credit card. I know that Chase received it because there were other charges in question and they were subsequently addressed. I took a picture of the letter so that I would have a copy. On XX/XX/2016, I received a call from the Chase Fraud Department to inform me that the charge was not fraud because I signed for it and that they were now going to pursue this as a dispute because I had cancelled the transaction and the money should have been refunded. I was told that the charge was going to be placed back on my account but that as soon as the dispute department reviewed it I would see another temporary credit. I was also told that they had all the information they needed, including the original letter of cancellation and that it would be forwarded to the dispute department. I called the dispute department to verify but they knew nothing yet. I then went online and opened a dispute. I continued calling the dispute department during the next week to make sure this process had taken place. I was told that they do not have the letter and that I will not get a temporary credit as promised. I then sent another copy of the picture I took of the letter. I think it is important for them to have the original. I am very upset that it was apparently lost. I am also extremely upset that it took nearly two months for them to decide it should not be handled as fraud but as a dispute because I signed for the transaction. I told the fraud department exactly what happened as soon as it happened. I told them I signed for the transaction. They should have told me at the time it was n't considered fraud and that it should have been handled as a dispute. Instead, two months later, they are now handling it as a closed case that is being reopened. This puts me at a great disadvantage with time. This should have been settled already. The reason I use my credit so often is because I thought it offered more protection than paying with cash or a check. In this case if I had written a check the bank would have stopped payment on it immediately. If I had pai | ||||||
| 10/16/2015 | Yes |
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| I called Making homes affordable last night again I talk a housing councilor XXXX they said I do qualify for the HAMP PROGRAMI have a sale date XXXX. I summited another packet the last of XXXX looking for help on saving my home Chase has told XXXX that they never got it so I resent XXXX out again yesterday when I got home I have a notice that the sale date was still on for XXXX/XXXX/XXXXPlease I just was told on the XXXX/XXXX/XXXX that I had a sale date on XXXX/XXXX/XXXX it is a USDA guarantees loan they want to look in to itI have tried to reach out to everyone for help with my mortgage JP Morgan Chase for the last 4 1/2 years now im about loose my home because of chase playing game with me. I would like to find someone who will stand up for the home owners like myself instead of for the banks. This is my story. Hi my name is XXXX XXXX I have been trying to get a loan modification for the last 4 1/2 years. I have produced every document that Chase has asked of me. After filing bankruptcy in XXXX I called Chase about a reaffirming my debt with them. I was told by Chase 's bankruptcy department that I had a ligament hardship with my wife 's car accident that qualify for a price reduction and a modification. My XXXX daughters had moved back in with us to help me save my home. In XXXX XXXX I submitted all my documents. In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make XXXX payments. XXXX XXXX I had a payment and as soon as I got income tax check I would get caught back up on my payment. As soon as I did that I got a denial for being current on my mortgage. I called Chase to see what was going on this lady named XXXX told me that the XXXX programs were just for home owners behind on their mortgage. I just wish some would believe me and what I have done to save my home. I wish someone would step up and help me save my home. When I started this channel XXXX news reported that if anyone needed help with their modification packet to turn to their real state agent for help. I did she helped me. She looked over and made sure that everything was in order before I faxed it in. I clean for a bank at night and I am friends with the branch manager there. I told her what was going on and she told me to bring all my paper work with me and she would go over everything with me. This was back in XXXX. When she got done looking over my paper work she ok XXXX you everything you need to get this taken care of your packet done you have your pay stubs your bank statements showing your checks being deposited your XXXX XXXX form you have everything to get this done. After faxing in everything I did n't hear back from Chase so at this time I turned to XXXX for help they are from Maryland hope hot lineThis all started in XXXX of XXXX when I called to reaffirm my debt and was transfer me to the bankruptcy department a gentleman that asked me what caused me to have to file bankruptcy. On XXXX XXXX XXXX my wife, XXXX XXXX was involved in a car accident. She was rear ended by XXXX vehicles. Before her accident, she was working on average XXXX to XXXX nights a week at XXXX, in XXXX Maryland. After her accident, she was working XXXX to XXXX days a week. She tried to work but was forced to quit her job due to XXXX. Because of the accident, we have lost her income. This is why we had to file Bankruptcy. It is sad to see all of this has happen all over an accident that was not her fault. Her doctor thinks she has XXXX and wants her to have a XXXX done but without her being able to work and no Health Insurance we can not afford to get it done. I have thought about selling the house but I owe more than I could get for it. Because of the economy home values have dropped so badly in this area. Homes on the same street that we live on h | ||||||
| 10/16/2023 | Yes |
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| On XXXX XXXX I received an email from XXXX someone called XXXX XXXX claiming to be from the XXXX department employee of XXXX XXXX XXXX About a remote job for Data entry clerk position. when I received the email i was very excited specially after I looked up the company on XXXX and it seemed like this might be the ideal start for my career. Then I did interview with them over Phone they offer me the remote job position and said all paperwork will be done after XXXX week of probation period and it will be paid a probation period. They ask me that I have any printer on my place or not, they said to setup a remote work station in my home they need my address they will send me a check to order all the laptop, software and other thing so for issuing a check they need my baking information and I send them everything. Then they asked me to buy business check refill paper and they sail we will refurbished me. After buying that they send me a check of {$2900.00} from XXXX bank by email said to deposit that on my Chase bank and I deposit the check to my JP Morgan Chase Bank physically on XXXX XX/XX/XXXX. After that I was told by email that I will be contacted by a gentleman named XXXX by phone number ( XXXX XXXX XXXX XXXX ) another HR employee of XXXX XXXX and I have to follow his instruction. After I deposited the check I was instructed by both XXXX to pay XXXX XXXX {$2000.00} by XXXX for branded equipment that I would require for performing job remotely and after payment the vendor provide me tracking ID. After every payment they asked me to send screenshot to payment to XXXX XXXX number and to the email address of XXXX XXXX and I did as they said it was needed for finance department documentation process. As per instructions from XXXX I send {$2000.00}, via zelle to XXXX. I send that on XXXX XX/XX/XXXX via my zelle which is linked with my bank. Then the next day XXXX XXXX I was instructed to send the remaining {$950.00} to the same recipient XXXX XXXX XXXX it did not go through and when I inquired with my bank they said that the recipients bank was frozen. That made me suspicious. I let XXXX know about the XXXX issue and then I got an email from this XXXX instructing me to send the money to another XXXX ID XXXX. When we tried to send the remaining it didnt go through and eventually my banking App XXXX got blocked. Then I contacted XXXX again and this time they started telling me to send the money {$950.00} by bitcoins or apple pay which made me more suspicious. Finally I looked up the number of XXXX XXXX XXXX and called in and the lady who answered said if it is an email from XXXX XXXX. then it is fraudulent because she used to work here before then her account got hacked and no XXXX work there named XXXX. On XXXX XXXX Chase bank reverse the deposit of {$2900.00} I made on XXXX XXXX through the check of XXXX bank I was given by email. After that I call XXXX Bank they told me make complaint to the bank you hold account with XXXX called Chase bank XXXX told me that was a bad check with frozen account so the reverse the money but in this scam I lost my own {$2000.00} dollar money which was send by XXXX XXXX XXXX. I talked to zelle customer service but they are not ready to give me my XXXX dollar XXXX XXXX as I send the money by my self. Now Chase bank and XXXX no one is ready to return my own money which I lost by XXXX XXXX. Chase Bank send me a substitute check with a letter by mail on my home address that told me I can claim refund for this substitute check and money reversal within 30 days if i suffer any financial loss in this process so I call them try to make a claim Chase said you can not make a claim as you deposited the check to bank to any XXXX else, I just want my {$2000.00} XXXX scam money back that was my semester fee payment for last semester of graduation | ||||||
| 06/06/2017 | Yes |
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| On yesterday CHASE BANK " TOLD ME THAT I HAD IN A 3WAY CHASE CONFERENCE CALL WITH XXXX #, OUT AT XXXX XXXX ON CALL TOO XXXX STATED NUMEROYSLY " OVERTLY, THE USE OF THAT MOST DESPISES HATED TERM '' PENDING, PENDING ''! HMMM (? ) $ $ ARE GONE PERIOD, SHE SAID THAT BAL AFTET ( A REFUND, REVERSE ALREADY POSTED " MEMO TO ACCOUNT, AND BAL WAS {$4700.00} .NOW TODAY I CALLED THE BALANCE THIS EVENING WAS {$4200.00} ( : ( ( (!!! ) WT @ # I KNOW RIGHT. PURSUANT TO TITLE USC 42 DEBT COLLECTING N LICENSE TO COLLECT ON A DEBT CHASE IS GUILTY OF THAT CHASE, ALLOWED A, RELEINQUISHING OFF ACCOUNT FUNDS N NO REFUND NO GOODS? UNREAL.truthfulness N DIFFERENCE OF {$480.00} IS UNACCOUNTABLE, ITS A P.O.A..account XXXX, PROMISED DELIVERY TO DAY DEFRAUDED ME XXXX NEVER STOPPED THE SHIPPER FROM XXXX XXXX XXXX SHIPS FROM XXXX CA,XXXX XXXX SUPERVISOR, WHO LIED HED, GET BACK WITH ME, chase ON THE EVENING CALL TODAY STATED " HE SAW NO ACCOUNT OF ANY REVERSE WHATSOEVER # I CCALLED XXXX BACK WHOM DOUBLE ASSURED TO MOM ROW SOMETIME ULL GET HELMET N GLASSES N REFUNDING MY CARD THEY SHIPPED " RESTEICTIVE '' BLOCKING XXXX ABILITY TO LEAVE PACKAGE FRAUDULENTLY PURPORTED BY IGNORANT XXXX XXXX.ON CALL XXXX STATING THAT NO where TO LEAVE IT.BEFORE THIS MY BAL NEARLY 5K , NOW {$4200.00} AND AFTERRRRR COMPLAINING RAISING BEEF THREATENING TO GO TO CFPB TO CHASE REPS XXXX TOO, YUP ( RETALIATION ) -I GOT CREDITORS CALLING MY MOTHERS number HARRASSING ME ETC, THRU HER TELLING HER MY DEBT AQUSITION CREDITOR DEBTOR-ETC, SUM XXXX, OUT A VEGUAS, anyhow CHASE ATM MACHINES ON LASTWEEK XXXX BRANCH REFUSED MONEY N SURFFERRERRED, MY PIN NUMBER BUT REGUSED CASH IT SAID MEMO XXXX XXXX IT NEVER WENT BACK INTO THE ACCOUNT NOW THIS N THEY CHARGED ME IN ALL THESE abusive SUICIDAL CONSUMER EXPERIENCE DAYS A FEE FOR NON ORDERED CHECKBOOK 'S IM ASKING FOR timely PROMPT CASH RETURN N IM OWED THE FOLLLOWING : ( 1 ) {$110.00} FOR XX/XX/XXXX & XXXX-XX/XX/XXXX TRANSACTION WITH XXXX XXXX, ABOVE MENTIONED.NOINDELIVERY CONFORMITY OF GOODS ALSO {$23.00} FOR THE CHECK FEES AND FOR WRONGFULKY DISHONORING MY TRANSACTIONS WHERE they SHOULD went THRY ( XXXX OF XXXX XXXX ASSIRED THEIR PRIVATE 3PARTY VERIFICATION WOULD NOT ACCEPT THE CREDIT CARD ENDING XXXX @ BASICALLY RACISM BY XXXX BASED ON PRIVATE HATEDRIVEM DISCRIMINATORY GROUPS WHOM HAVE BEEN SHARING XXXX CRIM DATA N RATING CREDIT CARD LIKLINESS OF IF A ITEM GOES THRU.XXXX XXXX HAD ALL MY ADA RIGHTS COHERSED N STAYED ON PHONE THANKS TO THIS S XXXX XXXX XXXX FOR A ASTONISH INGG,4HOURSSSS.MY REFUNDS GONE. CHASE IS GUILTY OF ( 3 ) ALLOWING A SWEEP RIGHT AWAY DISPENSING OF MY FUNDS EVEN though PURCHASED N MY MOMS NAME XXXX XXXX WITH THE CRDITCARD BEING N XXXX IDTHEGT VICTIMS NAME.WONCE BEFORE CHASE ALLOWED JUSTLIKETODAY '' WITH NO VERIFICATIONS, NO MAKING SURE MY NAME ADDRESSS WHOM they WERE SPEAKING TOO. PROCEEDED WITH REVEALING DATA.BREACH!! ALSO FAILED TO VERIFY THE ACCURACY OF CHIP CARDS PROTECTION FROM SUCH A BREACH BOTH COMPANIES LIKE XXXX, AND XXXX XXXX asking about my mother? Unreal trust is private P.O.A SAME DRILL CHASE HAS FAILED WITH ADA COMPLIANT DOORS N REAL NONMALWARE '' ATM MACHINES PROTECTING US FROM CREDITCARD CRACKING HACKERS ON TELEPHONE DEBT collector S PURPORTING, YET NOT PROOVONG VERECITY N TRUTH OF A BILL banking privacy out the window also they made statements that are misleading which violates 807 of the debt collecting laws only knowing the statements are untrue I demand all my bread tax free funds returned and Fine chase.al Chase allow me to use my mother 's name one time on the telephone without verifying if I was her at night and gave me all of her information her account balance apologize for some things and they also denied me notaries and the ability to notarize my own Express trust documents which is a serious Prejudice they got to pay me an additional | ||||||
| 04/13/2015 | Yes |
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| Due to the recession I was unable to pay my mortgage. My lender is XXXX & Chase was the servicer. I contacted Chase for help & made several attempts at getting a mod approved. All my attempts were met with opposition from Chase & while I worked hard to get a mod Chase was simultaneously working just as hard to foreclosure, even though they did not have my note. At one point I was given a trial payment of $ 2300.00/mth, & even after the trial period was over I continued to make the payments, but the loan mod never came. I eventually hired an attny to help in getting Chase to mod my loan. The attny took my money, did little or nothing for me & was later disbarred. To demonstrate my ability & willingness to pay, I made monthly payments based on the amount that appeared on the notices that I received each year my loan adjusted, usually approx $ 800.00/mth. I was later told by one of Chase Reps that it did not really make sense for me to continue paying because that money was just going to a suspense account & would eventually be lost as they were not approving me for a loan mod. While I was still trying to get Chase to modify my loan, they set a sale date, and in order to stop the sale I had no choice but to file a ch.XXXX BK, with hopes of getting a mod during the BK. Due to my lack of knowledge and understanding of the BK process & paperwork, I did not realize that the BK attny surrendered the same home that I filed BK to keep. I contacted Chase regarding applying for a mod again during the BK period & was told that I needed a letter from my BK attny in order for them to speak with me. I got the letter but they did not speak with me until the BK was discharged. I was working with the rep at Chase to get a mod on one hand, while on the other hand Chase was setting another sale date. I now understand that this is called DUAL TRACKING, when they pretend to be helping you while at the same time continuing to foreclose or sell your property. Chase did this during the entire time I was trying to get a mod. The representative at Chase told me that I was preapproved for the mod and that she needed XXXX correction on my P & L. She told me that she requested their attny to stop the sale, allowing me to complete the mod. In getting the corrected P & L to her, I was not allowed to send it by email, I had to fax it to the rep. Each time I faxed the P & L and called to find out if she had received it, I would not get a call back and it would be XXXX to 3 days before I would catch her on the phone only to be told that she did not receive it. This scenario went on & on, faxing repeatedly, which was very stressful & frustrating. Prior to the sale date, I went to the court to make sure that the bank 's attny had filed a motion to stop the sale and to file my own motion for an emergency hearing for the judge to stop the sale and allow time for the mod process to be completed. When I got to the court, I found that the bank 's attny did file a motion to stop the sale, but the judge had stamped the order " HEARING REQUIRED '' & the sale was not postponed. I filed my own motion for an emergency hearing but the judge did not allow an emergency hearing, instead he stamped my order " HEARING REQUIRED '' as well and allowed the sale to take place. After the sale, not realizing that I should have filed an objection to the sale, instead I filed a motion to vacate the sale & the judge denied it. The property was taken back by the lender, XXXX, and I have been fighting to get the sale vacated so that I can complete a mod ever since. Because my chXXXX BK was not done in my favor, I had it dismissed and have recently refiled. The attny for XXXX has now gotten the judge to order a Writ of Possession even though I am in active Bankruptcy, & have also set a hearing in BK court to lift the auto stay. | ||||||
| 04/29/2018 | Yes |
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| My Chase Bank NA checking account does not incur a monthly fee if I make 5 debit card transactions during the monthly cycle/period. This is according to Chase Bank NA staff who indicated this in writing to me via a secure message on the Chase account website. However, in the month of XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ), although I made more than the 5 required debit transactions during this period, Chase changed the dates of all of these transactions, so that all but one of them were reported as having occurred several days, up to a week after the date of each transaction. As a result, this action permitted Chase Bank NA to charge a monthly fee. This shifting of transaction dates, as it pertains to the counting of transactions for the purpose of determining whether a fee ought to be charged was something that was not indicated at all by Chase Bank NA staff when I asked specifically how I can avoid a monthly fee. Rather, I followed their explicit instructions and made at least 5 debit card transactions " during '' the statement period. Chase bank NA staff DID NOT INDICATE that I was responsible for anticipating when various merchants would post their transactions, and this is something that is impossible for any Chase Bank NA customer to do on a reliable basis. Without any clarification on the part of Chase Bank NA staff that the date of transactions for calculation of a monthly would be the date the transactions were posted, it was entirely reasonable for me to assume that the this date would be the DATE DEBIT CARD TRANSACTIONS WERE MADE - which is the only factor that I, the Chase Bank NA customer, can control. If the actual date used were another date, this should have been made clear to me by Chase Bank NA staff when they instructed me on how to avoid a monthly fee. However, it is evident that the posting date is the date used, and thus Chase Bank NA staff provided false and misleading information regarding its checking account fee structure and policies. On XX/XX/XXXX, I contacted Chase Bank NA by phone to inquire as to why a fee was charged and why the transaction dates were changed. The Chase Bank NA representative and his supervisor both told me something more disturbing, that my cycle ACTUALLY ended on the XXXX of the month, even though every statement I've received in the 5 or so years I've been a Chase Bank NA customer has indicated otherwise. I indicated that I have Chase checking account statements that SHOW that the cycle ends on or around the XX/XX/XXXXof each month, but the Chase Bank NA representative INSISTED that I was wrong - that the " RECORD '' of my account showed unequivocally that the cycle has always ended on the XX/XX/XXXX of the month. Thus, what Chase Bank NA has indicated to me today is that each and every bank statement it has issued since I opened this account has contained FALSE INFORMATION about the monthly statement cycle. I have not yet reported this to my home branch, but I was also misled by the staff at that branch, who did not disclose the ACTUAL cycle period dates. Rather, the debit transactions I made prior to the end of the statement cycle were re-assigned the date of XX/XX/XXXX. Chase change the dates of all of these transactions, and at least in 2 cases, I can furnish receipts to prove that the dates occurred within the statement cycle : XX/XX/XXXX - date assigned by Chase Bank NA ( 1 ) XXXX XXXX XXXX VA XX/XX/XXXX Debit card transaction {$2.00} ( 2 ) XXXX XXXX XXXX XXXX VA XX/XX/XXXX Debit card transaction {$18.00} ( 3 ) XXXX # XXXX XXXX VA XX/XX/XXXX Debit card transaction {$11.00} ( 4 ) XXXX XXXX # XXXX XXXX XXXX VA XX/XX/XXXX Debit card transaction {$2.00} ( 5 ) XXXX XXXX XXXX XXXX VA XX/XX/XXXX Debit card transaction {$15.00} ( 6 ) XXXX XXXX XXXX XXXX VA XXXX VA XX/XX/XXXX Debit card transaction {$12.00} | ||||||
| 04/15/2017 | Yes |
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| On XX/XX/XXXX Redball ( XXXX ) moved me from XXXX to XXXX. They were to move my whole house full of boxes and furniture as well as my vehicle. I placed {$6000.00} of the cost on a VISA Chase credit card and paid the rest by check. There was a problem with the quality of service which caused damage to my furniture and electronics, and other items were not loaded on the truck because there was n't enough room, although I was told that everything should fit. Important papers were carelessly thrown which severly hampered my business dealings. I opened a dispute in late XX/XX/XXXX for which they contacted me by letter and phone asking for what had occurred. In two separate conversations I explained all that had taken place, and they said that the dispute was regarding poor quality service. When I mentioned all the unwarranted XXXX, I was told that was a separate issue, but that they would attempt to get additional for that. I was informed that this dispute would be resolved in 90 days, 2 billing cycles. They wanted to get receipts of the damage, but in the meantime, all damaged items were to be kept and I could n't get them repaired because XXXX has never sent an agent. The insurance I had for the move was {$85000.00} and replacement value. I supply receipts I could and guessed at the cost of repairs. That was {$1100.00}, but that was early on ; 9 months are allowed to file a claim after the move, and I am missing a certificate of authenticity for a valuable item, devalues it by about {$5000.00}. The {$1100.00} came off my card. Then there was a separate issue, Chase said, for items not delivered. They wanted a list, so I supplied that. The house was up for sale, so my real estate agent gave me a list of what was left behind. Some of it got stolen by the cleaning ladies beforehand. Later, they said they needed to know the cost of delivering the goods that were n't delivered, so I provided that ( close to {$4000.00} ). Then the additional amount was taken off my credit card, so the {$6000.00} was removed from my card. The merchant had not replied to me, nor had I received any information about merchant response from Chase. As of XX/XX/XXXX the merchant had not responded for which Chase told me by letter also saying, " If the merchant does n't respond, the temporary credit will become permanent. This took place well after 90 days and two billing cycles. XXXX replied by letter to me on XX/XX/XXXX, but did not resolve the matter. Furthermore, Chase wrote me another letter stating that they are unable to collect for the claim from the merchant. Meanwhile my credit card has XXXX balance. I think the issue has been resolved because the bank was on my side and it has been 2 billing cycles. Astonishingly, on XX/XX/XXXX I get a letter from Chase, saying that based on the information available, that the charge is considered valid. Attached to this letter is a letter from XXXX dated all the way back to XX/XX/XXXX with a list of information for items damaged state that they are n't responsible because I packed, it, stating that nothing is missing, and that the rest is " An Act of God. '' Chase said in letter that items are still in my possession from where I moved ( Ca n't do replacement value ), but those items had to be disposed of when the house was sold on XX/XX/XXXX because the buyer did n't want them in the house and I 'm XXXX miles away, ca n't pick the items up without a moving service. Chase bank waited over 90 days ( from movers 's response of XX/XX/XXXX ) to supply this information to me by letter. This whole process lasted over 6 months XXXX XXXX if you include the escalation ) when it was supposed to be resolved in two billing cycles, and gave the merchant an ext ended period of time to reply, which is a violation of policy. I have a BBB complant w/ith them as well. | ||||||
| 03/13/2022 | Yes |
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| I discovered thousands of dollars of unauthorized charges on my Chase business credit card. I immediately contacted Chase and reported it as fraud, requested a new secure credit card and was shocked to see Chase did not remove the charges. Chase has grossly mismanaged this dispute/fraud process considering I sent Chase all my email correspondences between me and the merchant showing that not only did the merchant ( XXXX XXXX XXXX ) and I only agree to a one time {$190.00} charge ( on XX/XX/2021 per attached invoice ), but the merchant promised services they then later said they could not deliver ( in second attached email trail ), and then they continued to just charge my card all kinds of random amounts at later dates which we never agreed to as outlined in our email. Even now, after thousands of dollars in charges, and months later, I still have not received any of the promised services from XXXX XXXX XXXX so it's remarkable Chase is still holding me to these charges! Once I learned that Chase was not removing the charges I asked Chase why they were siding with the vendor despite the evidence I sent them which seemed like an easy case to adjudicate in my favor Chase said the merchant sent substantiating data entailing completely fake invoices which they never sent me, as well as doctored/fake text messages the merchant claimed I sent them but were completely made up to support their endless fraud charges. Chase would only send me the merchant documents via snail mail and I was on an extended trip so it took a while for me to get home to see the documents and as I told Chase the documents were complete nonsense and were made up to support the many fraud/theft charges once I issued the fraud/dispute. So I submitted another fraud claim and Despite the actual PDF email agreement made between me and the merchant Chase said they had inadequate info to make a determination so were letting the charges stick. The scammer can make up all the fake invoices and fabricated text exchanges in the world but is it not obvious to Chase this is s scam when months later there still is nothing produced in exchange for thousands of dollars in charges? There is something profoundly wrong with this process. The merchant ( XXXX XXXX XXXX ) and I had a one time agreement outlined in an email I furnished to Chase, as well as the invoice XXXX XXXX XXXX emailed to me ( and I furnished to Chase ). I never even had an agreement with XXXX XXXX, whom used my credit card info I provided XXXX XXXX XXXXn to charge me for all kinds of additional charges for nothing. I also never agreed to the repeated charges from XXXX XXXX XXXX beyond the one time {$190.00} charge. Moreover neither so-called companies even produced anything for me. There was no actual service provided. It was just a scam. If there has been no actual services rendered why is it so hard for Chase to correct these blatantly incorrect charges? Is it really as easy as a merchant fabricating fake text conversations and fake invoices once they have someone's credit card info to justify any amount of charges they want? There has to be guard rails and this seems like such a blatant scam, as well as mismanagement on the part of Chase in adjudicating what is clearly a scam. At this point I've spent countless hours going in circles with Chase 's fraud/dispute departments in XXXX and I don't know what more I can do. The scammer can " make up all the fake invoices and fabricated text exchanges in the world but is it not obvious to Chase this is s scam when months later there still is nothing produced in exchange for thousands of dollars in charges? Please help me correct this scam since Chase does not seem to take this seriously and we are just going in circles. Moreover now Chase is saying these are legitimate charges I need to pay. | ||||||
| 06/19/2018 | Yes |
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| Beware, Chase Bank Will Close Credit Cards After Approval Nearly three weeks ago ( todays date is XX/XX/XXXX ), I applied for a Chase credit card. I wasnt given an immediate decision and I was told that a response would be sent in 7 to 10 days by postal mail. Given that my mail is often lost, I called Chase customer service to inquire if the decision could also be delivered electronically : via text, email, secure message, etc. While this was being looked into, the CS agent asked if I would like to get the decision right away. I naturally accepted. I had been approved and I was told if I would like the credit card sent by expedited shipping at no cost ( how nice ), which I again naturally agreed to. Unfortunately, the card was lost. After reporting it, another card was sent, again by expedited shipping at no cost ( extra nice ). When I got the second card, I logged into my Chase account ( 9 year customer ) and saw that the credit card account was closed. So I called in to activate the card, thinking it had been closed for security reasons, but no the card had indeed been CLOSED ( not so nice ). I asked the CS agent why the card had been closed, and I was told that it was the decision of another department, referred to online as the review team or unit. This review team had deemed my credit history of just over 12 months with a single credit line ( one credit card ) with an average FICO score of 770 at the time as too NEW. So I asked the obvious question : why was the card approved in the first place? The CS agents response, was to reiterate that it was the decision of the aforementioned department. The following day, I found and called the reconsideration line, which is supposedly helmed by the review team. Again, I was told that my credit was too NEW and that it was there recommendation that I should apply for a secured card with say XXXX XXXX! ( With some customers, Chase is happy to share with the competition. ) How this would solve the newness of my credit history is curious, since in my case it would literally half my AAoA. Why the recommendation wasnt to wait six months, a year, or more is unclear. So in the less than six days, I was quickly ( same day of app ) approved for a Chase credit card, which was sent to me twice, and which was then closed before it had arrived, for reason that meant I should have never been approved in the first place. What an absolutely glorious waste of time and money. But what an effective way Chase has found to create ill will with its current and potential customers. The question then is : why not complete the review process before approving a line of credit? This is especially mystifying in my case, where the decision could have been trivially done by algorithmic means. Chase The right relationship is everything, their old slogan, I see now was a joke. I suppose I should be thankful my account was terminated so quickly. If the dozens of online reports I subsequently read are to believed, this has been XXXX M.O. since at least early XX/XX/XXXX. All credit card applications are reviewed by this separate department, with the possible exception of applicants with over XXXX XXXX dollars worth of assets with the bank. This review unit has apparently closed cards that were immediately approved, cards that have been in use for days or weeks, and even cards held by XXXX Private Clients and high limit Business Card holders. This complaint then is not to get Chase to change its mind ; it wont. This was written to inform anyone who comes here, as I was not able to find anything similar. If you have gotten this far, I hope you have found this helpful. Sincerely, XXXX XXXX XXXX P.S. If Chase insists on contacting me, to waste more of my time, do so by electronic means only. Preferably by email or secure message. | ||||||
| 07/08/2015 | Yes |
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| We sold our house in XXXX of 2015. We used an attorney, XXXX XXXX ( XXXX XXXX XXXX ), to close our loan. He ordered a payoff, and we closed on our house on XXXX XXXX, 2015. A wire transfer was initiated by the XXXX XXXX XXXX on XXXX XXXX, 2015 using the XXXX XXXX XXXX System for the full payoff amount - per the closing attorney. We called Chase to inform them we were selling the house prior to closing. We asked them to note the sale on the account so we would have no negative marks on our credit. A Chase representative said this would not be an issue. We called Chase on XXXX XXXX, 2015 to confirm the payoff was being processed. A Chase representative told us it was listed as " pending '', and it usually takes a day or XXXX for the process to finalize. I pulled our Chase accounts on XXXX XXXX, 2015. I noticed the account was still listed under us. We called Chase again to see what was going on with our account and why it was n't removed. The Chase representative said it was still showing " pending '', and it was set to be paid off on XXXX XXXX, 2015. On XXXX XXXX, 2015 we received a delinquency notice from Chase in the mail. We again called Chase to discuss our account. At this time, a representative told us that nothing was showing up for a payoff. We again explained our situation, and we told Chase we would be in contact with our closing attorney the following morning. We spoke to XXXX XXXX, our closing attorney, at XXXX XXXX on XXXX XXXX, 2015. He said he would look into the matter. He called us back around lunch, and told us they had wired the payoff, but it timed out for some reason. We told him he needed to fix it. He got a new payoff, and immediately wired the new payoff amount required by Chase. He said he would eat the cost in interest for those days, because it was his responsibility. We called Chase again on XXXX XXXX, 2015 and we got the same response. Chase said it was showing up as " pending ''. Remember, they told us the " pending '' story on XXXX prior occasions. We had to get extremely ugly with the Chase representatives to simply get a confirmation of a complete payoff and a zero balance. They finally gave us this confirmation, and the representative also told us Chase owed us a little over {$900.00} for the remaining money in escrow. Again, we inquired about our credit. We told chase we want that edited and taken off our credit history. The Chase representative told us to get the closing attorney to send a letter into Chase explaining what happened. The representative said they would take it from there, and it would be removed. XXXX XXXX faxed this letter, along with a copy of the HUD 1 closing documents signed by all parties. He emailed a confirmation to me with all of the attached documents as well. During this conversation, we asked about the wire. We were told by the Chase representatives that the wire was denied by Chase because the full amount was not included. We, as account holders, were not notified and neither was the closing attorney. On XXXX XXXX, 2015, I checked our credit score. Our score has dropped XXXX points because of the delinquency posted by Chase. We called Chase, yet again, last night - XXXX XXXX, 2015. We went through several parties, and we had to get very ugly with the representatives to get any help at all. First, the Chase representative said the fax from the attorney could n't be read. I offered to send her a copy, and she responded by telling me they do n't have email. In the end, she lied. She read the entire document to me later in the conversation. She also told us that neither the attorney 's letter nor the HUD 1 did any good, because it did n't prove a wire was sent on XXXX XXXX, 2015. Let 's not forget that CHASE told us the wire was denied on XXXX XXXX. They have a record of the wire being attempted. | ||||||
| 01/19/2017 | Yes |
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| description I have been working with JP Morgan Chase Bank since XX/XX/XXXX to secure a home mortgage. When I first spoke with the mortgage banker ( XXXX XXXX XXXX XXXX ext XXXX ), we entered into a contract to have an interest rate of 3.25 %, an APR 3.459 %, and PMI costs would be {$100.00} per month ( rounded to {$100.00} on our loan estimate ). These were the numbers that have been communicated to me XX/XX/XXXX and XX/XX/XXXX up until a two days prior to our closing date, which was XX/XX/XXXX. After our house appraisal came back XX/XX/XXXX, it was a lower value than what I am purchasing the house for. As a result, the loan changed from a 90 % loan to value to 95 % loan to value. I was repeatedly told by the client care specialist, XXXX XXXX XXXX ext XXXX, that our PMI would only change by a couple dollars as a result of this change and that it would not be more than {$110.00} per month. I was told that the PMI would not increase drastically. I have been in constant communication with XXXX XXXX and the mortgage banker due to continuous problems with the loan conditions. A new issue was brought to my attention ( TWO days before I was scheduled to close on my new house ). XXXX XXXX sent me the closing disclosures, which showed that the PMI was increased to approximately {$190.00} per month. I immediately contacted XXXX XXXX as well as the mortgage banker and their supervisors to determine why this kind of error could occur. I was informed that their " hands are tied '' because they use a third party mortgage insurance company who determines what the PMI rate will be for the loan and that I would either need to accept the terms as is and sign the closing documents or walk away from purchasing the home two days before closing date. The client care XXXX stated to me that " there was no way to have foreseen this change '' although they knew on XX/XX/XXXX that the loan conditions changed and did not disclose this information to me. She then stated that they did not know this information until that day ( XX/XX/XXXX ) when they received the PMI certificate from the agency. The client care specialist informed me that the figure given to me XX/XX/XXXX and XX/XX/XXXX were their " best guesses '' as to what the PMI would be. Although, this information was delivered to me consistently in a fashion that was matter of fact and that it would definitely not be more than {$110.00} per month. After constant reassurance that this would be the case, I was blown away to find that my PMI rate is now almost DOUBLE what they were telling me it would be. There has been no resolution. The mortgage banker, the client care specialist, as well as their supervisors would not return phone calls and this issue has been left unresolved. I have since closed on the house because I had no other option. My house had been sold and I could not back out of the deal. I explained to them that they forced me to sign the closing documents under duress with no other choice unless I was to be left homeless. They reassured me that I could continue to work with them on resolving this issue after the closing date. However, I am now paying almost double the amount of PMI because of their false advertising and failure to rectify the matter. I attempted to escalate the issues I was experiencing on multiple occasions with various supervisors ( XXXX XXXX XXXX and XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( to name a few ). I requested that my PMI payment be adjusted to the amount that they had consistently quoted me ( $ XXXX/month ) or provide me with compensation in the amount of {$9000.00}, which is the amount that I am spending in overcharges for PMI over an 8 year period. They informed me XX/XX/XXXX that they will not resolve this issue as requested. | ||||||
| 10/17/2016 | Yes |
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| Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Dear Friends : Recently I had the good fortune to see Senator XXXX XXXX XXXX that XXXX from XXXX XXXX and my heart was lifted. I hope when you hear my story you might consider helping me in my ongoing battle with Chase Bank. I have been battling CHASE BANK for most of the last TEN years to restore my mother 's status as DECEASED and end years of exposure to identity theft and social security fraud. I 'll get to the bank fraud, malfeasance and wrongdoing. This " too big to fail '' bank has stonewalled me, my current attorney as well as XXXX previous attorneys, for the better part of the decade since my mother 's death. It 's evident they can not or will not grow a spine ( or a conscience ) and take responsibility for this egregious XXXX, one they have, in essence, perpetrated on my mother, her estate and me, personally. WHICH BEGS THE QUESTION : WHAT 'S IN THE KOOLADE AT CHASE?? My mother died from complications due to XXXX XX/XX/XXXX at XXXX in XXXX, XXXX. Lawyers at that time filed the appropriate paperwork with Chase Bank for both a name change and replacing Mom 's SS # with an EIN # for her trust. My nightmare began in earnest XX/XX/XXXX when XXXX had a series of typos on several mortgage statements from the XXXX XXXX, CA property my mother left me in XX/XX/XXXX. There was a flurry of correspondence requesting a correction without any response or action. By the following winter, I started getting mortgage statements with my Mom 's name on it but now her name was misspelled, with an extra " I ''. No matter what I did, said or wrote, nothing happened. I finally got someone on the phone said I should n't worry ; it was an internal Chase matter and they 'd handled it. Remember this was XX/XX/XXXX : who would believe what a bank representative says? The nation 's banks ( and this one in particular ) had amply proven their reliability, trust-worthiness and commitment to customers. So I thanked the nice representative, turned right around and filed a fraud claim with the Social Security Inspector General 's office. My next call was to the FTC where I filed a complaint against Chase for exposing my deceased mother to potential identity theft. With Mom 's new status as " a ghost in the machine '', alive in their computers and now on paper, my authority as trustee was nullified. I could n't refinance the mortgage. So at the height of the recession I could n't reduce our interest rate because these morons reanimated my Mom in their records. Now I had to address the issue of Mom 's resurrection. And it was a good thing I did so. Chase never did do anything. By XX/XX/XXXX, a XXXX identity emerged and landed on the INFO USA mailing list, one of the most widely sold and circulated in the free world. This was just what I needed. Now I 'm chasing XXXX identities associated with my mom 's social security number, when suddenly a XXXX is dropped right on me. When I got the fateful email that set everything off, I 'll admit I was suspicious from the start. I followed my reporter 's nose and discovered that Mom and I were victims, targets of a criminal hacker gang. As you might imagine, it was chaos for months. Eventually, investigators uncovered several disturbing discrepancies on both the light and dark net. The criminals had created a cloned XXXX XXXX, a virtual honey-pot, with Mom 's name, address and phone number. Oh yeah and a map, incase other criminals got lost on their way to our home in XXXX XXXX, XXXX! And what was the source of the breach of all this personal information, exposing my mother, her estate and me personally to social security fraud, identity theft and more? CHASE HOME FINANCE To date, I still ca n't tell if the rank-and-file of this bank ar more to come .. | ||||||
| 02/02/2022 | Yes |
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| XXXX XXXX Attn : Consumer Financial Protection Bureau ; On XX/XX/2022, I contacted the Chase Bank corporate headquarters for the fifth time since, the outset of the originally complaining conduct of a local Chase branch here in XXXX, FL, for what I reasonably discerned to be, the unfair racial discriminatory denial/refusal, to cash my facially legitimate payroll check of {$870.00} ( check # XXXX XXXX XXXX XXXX ). Irrespective, of me being a longtime 'goodstanding " account holder. As too, just on XX/XX/2022, Chase bank had rendered an online deposit " immediately available ''. Which was issued by the same business. XXXX XXXX XXXX XXXX ; paying funds would ultimately distribute, from the same bank ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX And the applicable/relevant check # 's for that check is as follows : XXXX XXXX XXXX in the amount of {$380.00}. So after literally waiting on phone hold for XXXX mins, just to speak with a human representative. I then, unambiguously informed the rep of the incident of XX/XX/2022 ( the catalyst of the instant and all relational complaint ( s ) hereto ). Nonetheless, I tried to believe and proceed less adversarial. So on XX/XX/2022, I elected to photographically deposit the previously denied/refused check in my account, with the hopes of having the rightful success in which I had with the initial check. Only difference was, this one was not deposited on a 'business day '. So ... XXXXper Chase list of online explanation, these funds was suppose to be available next business day of XX/XX/2022! To the flagrant contrary. After awaiting post 9 : am buisness day of yesterday. I logged into my account, and not only was the expected funds not in my account. But to add insult to an already exacerbated-INJURY!!! The account had informed ( verbatim ) " WE PUT 1 OR MORE TRANSACTIONS ON HOLD. '' In all candor, I deeply was aggrieved and angered. Because our lives were put on further hold, to the damage to the following in which I forthrightly explained to the representative ( now para phrasing ) ... our child can not be admitted to there regularly scheduled day care attendance, due to me not having the money to pay ( as too, might loose his spot there ). As a consequence, my fianc, could not work, due to having to stay home witht the child ( day 2 of loss income to our household ). As well as other hardships and inconveniences, inherent to the immediate absence /unavailability of routinely relied upon income. Rather than the representative complying with my direct, firm and unambiguous command to VOID and UNPROCESS, the entire process of processing the check from the outset. In response, the rep incredulously and thus insultingly lied to wit ... '' since the process is in process, she couldn't. Knowing that to be a deliberate lie, I further called them out on it. And furthered my belief, this is a racist bank in which has and still, practicing racist practices, to the disadvantage and detriment of my financial interest ... and now also my family interest! Again, I commanded, the rep to comply with my directives, as I remain the sole owner of the account ; the check ; and the prospective sum of XXXX " And by you keep XXXX on me and telling me its raining '', constitute a breach of contract ; ; breach of fiduciary duty ; and a violation of conversion! And moreover, there is no XXXX way, that an international bank, a member of a globally centralized banking system can not unprocess, any transaction, in which it processed ''. Therefore, you need to stop lying and go ahead and do what has been commanded of you. So I can immediately take the check to the bank in which it was written on, and cash it there without an iota of an issue. Rather than continuing and worsening the crisis in which you generated-despite contracting to do the opposite! | ||||||
| 04/06/2016 | Yes |
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| In XXXX I started a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this Chase business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. XX/XX/XXXX I was notified by my sudden drop in credit score that my payment on card XXXX was 30 days late. The business card, which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. I immediately called Chase Business Card Services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department, which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. I believe Chase Bank engaged in predatory lending, failure to disclose, not reporting credit card account, demanding payment in full in exchange to remove late payment from being reported on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They disregarded the law intended to prevent consumers, which only allows for a business credit to be reported personally in the event of a default. I paid the balance of the card off the month I received an alert that my credit score was damaged. By law, this should have been deleted, as I have requested numerous times with Chase. I would like to file a report against CHASE CREDIT REPORTING SERVICES to have this business account deleted from my personal credit history. This account was never reported on my personal credit history before XXXX XXXX - over 4 years since opening the account. The terms and conditions binding business credit from reporting and damaging personal credit is not being adhered to, particularly since the card was closed and the balanced paid to XXXX in XXXX. A business payment was missed in XXXX and the account closed and paid in full on the next month, XXXX. This account should not be reported on my personal credit report, based upon the understanding with Chase Business Services and the laws pertaining to business credit only impact personal credit history in the case of outright default. This was not the case. This business card missed payment must be deleted from my personal credit history. This is a case of failure to disclose risk, predatory lending, obfuscation of credit reporting, false statements being made about credit reporting. | ||||||
| 10/08/2016 | Yes |
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| I have already filed XXXX complaints against Chase Credit Card. Each time their posture has been to systematically deny all and admit nothing, even in the face of evidence. I accepted a Chase credit card when making a purchase on XXXX in XXXX XXXX. The card was advertised as free of any fee ( s ). However, it turned out not to be the case. I was apparently charged more than {$50.00} for the first use. In XXXX I purchased an airline ticket and was charged {$25.00}. As I did not appreciate the practice, on XXXX XXXX, XXXX, I called the Chase credit card department to cancel the card, pay off any outstanding balance closing on XXXX XXXX, and to close the account. I asked the representative who attended my call for a confirmation number for the action, which I have in file and which I gave to XXXX XXXX, and asked her if I could consider the account closed. She answered affirmatively. The call was recorded. XXXX XXXX, who is handling this dispute, denies that I paid the balance and pretends that payments were made after my call due to an outstanding balance. This is false and I have a confirmation number to prove it. And her department has the recording for reference. XXXX XXXX systematically deflects the issue to her inability to obtain a refund from the beneficiary of amounts paid after I closed the account. Why on earth would the vendor-beneficiary return the funds? There is an obvious flaw in the internal process in that credit card department that can lead to payments being made and debited from an account in due process of closure. Another employee in charge of making outgoing payments can be unaware of the status of the account. ( I do n't work there, but it seems obvious, even if Chase can not understand it ). Chase, XXXX XXXX, can not blame the client for this or expect the beneficiary to return the funds because of any loss incurred by the department due to flawed internal programming. This is a childish and blatantly irresponsible attitude that goes against the interests of her employer. Her focus should not be in harassing the vendor or the client but to fix the issue internally to avoid repetition and possible future losses. I have requested, as is my right as client, a justification for the fees charged for use of card when the account was open prior to XXXX XXXX. My request, although written and formal, has remained unsatisfied, due, according to XXXX XXXX, to her inability to obtain a refund from the beneficiary of moneys paid on XXXX XXXX when my account had been confirmed closed and debt-free by a colleague in the same department! This has been a disrespectful waste of time for the beneficiary, for the CFPB and for me, the client. The actions of Chase have damaged my credit score. It is solely due to their irresponsibility in regards to the flawed programming within their department. It has nothing to do with inability to obtain an unjustified refund, as XXXX XXXX so obtusely and unethically proclaims. I reiterate my request for a detailed list of fees that I was charged for use of card prior to XXXX XXXX, unduly it seems, and their legal justification. And also a justification as to why at present my call dated XXXX XXXX, XXXX and the confirmation I was given are considered as nul and void by XXXX XXXX and the department that she is representing in this dispute. Failure to do so, will force me to take legal action and sue Chase for undue fees, unjust harassment and damage to my credit status, and for any and all legal fees that this will/would incur. Part of this practice must run throughout the department and most probably is or was applied to thousands of their clients. I only became aware of my credit status when I applied for a refinance loan a few weeks ago for a new car purchased in XXXX XXXX. The application was turned down. | ||||||
| 05/06/2016 | Yes |
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Web | Servicemember |
| On XXXX/XXXX/16 I called Chase to file a dispute with Chase Bank for charges on my account I did not authorize. The rep on the phone took my complaint and I was issued credits {$480.00}. Then on XXXX/XXXX/16 I received a voicemail from Chase with a message to call them back. Upon calling back I spoke to a rep who stated that the dispute was now closed and the credit was permanent. The next day ( XXXX/XXXX/16 ) I was again left another message from Chase. I again called in and explained that I had called in yesterday and they told me the dispute was granted only to be told that was a mistake on their part and it was in fact denied as the dispute was inadvertently coded wrong when the initial complaint was made on XXXX/XXXX/16 as " fraudulent '' not " unauthorized '' as it should have been. The rep apologized for the error and said they were going to refile the complaint making sure it was coded as " unauthorized '' not " fraudulent ''. At that time, I specifically asked the rep on the phone if he wanted any documentation from me regarding the complaint and he said if they do they will call and request it from me. On XXXX XXXX, 2016 I was notified on my online account that I was overdrawn. Knowing that I should have had funds I went online and checked and saw that Chase had reversed the credits from the dispute. This time instead of calling just the dispute center I called my local Chase Branch ( XXXX XXXX XXXX XXXX, XXXX, OH ) and spoke to XXXX XXXX who made a conference call to the dispute center with me on the phone. The dispute center told XXXX and I that the claim was again denied as I had not provided any documentation to support my statement of it being unauthorized. XXXX explained that I was told if it was needed they would request it and the rep on the phone told her if I faxed it in they would reopen the claim and process it. The rep provided a fax number to fax the documents into them. I took the documents into my local Chase branch and XXXX faxed them on my behalf. We were told it would take XXXX hours to have them reviewed. On XXXX/XXXX/16 I again saw that Chase had reversed another credit for the dispute. I again went to my local Chase branch and spoke to the branch manager XXXX XXXX. I provided XXXX with all of the documentation and he called the dispute center while I sat at his desk. The dispute center advised him that they never received the documentation per my previous call with XXXX. XXXX again got the fax number and faxed it while he was on the phone with them and also uploaded it to Chase 's secure online file system. XXXX told the rep on the phone that he had the proof that the charges were unauthorized and that the charges should be reversed. XXXX told me to follow up with him Monday to see if they got the documentation. On Monday XX/XX/XXXX I went back to the Chase office and met with XXXX he called the dispute resolution center, spoke with XXXX, who said they reasserted the complaint and it would take 3 to 5 business days to review the documents. XXXX and I set up to follow up date of XXXX/XXXX/2016. On XX/XX/XXXX I met with XXXX and he called the dispute center to find out that they denied the claim again. This time we were told the claim was denied because of inconsistent fillings. XXXX tried to explain to them that the first filling was a mistake and that Chase refilled it correctly upon learning this. The dispute center told XXXX there was nothing else they could do the matter was closed. XXXX told me that he would file an internal complaint with Chase and he would again follow up with me in a few days. Today XXXX/XXXX/16 XXXX called me and advised that he spoke with his district manager regarding the complaint and there was nothing else they could do. At that time, I decided it was time to take the complaint to this agency. | ||||||
| 06/26/2015 | Yes |
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| SEE COMPLAINT SUBMITTED1. Plaintiff herein, XXXX XXXX XXXX XXXX, XXXX, is an adult individual residing in the state XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, transitioning back to XXXX because of the financial burdens resulting from the complaint described herein, where he will be residing at XXXX XXXX XXXX, XXXX, XXXX XXXX. 2. Defendant, Chase Bank USA, N.A, filed and reportedly maintains its Certificate ofIncorporation with the Secretary of State of the State of XXXX in XXXX, XXXX, since the XXXX day of XXXX, XXXX, and is a corporation having offices at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, and throughout the United States and abroad. 3. Plaintiff applied for and received XXXX credit cards issued by Defendant in XXXX and XXXX respectively, bearing the account number **************** and ****************. 4. Plaintiff applied for and received XXXX credit cards issued by Providian Bank in XXXX and XXXX respectively. Washington Mutual bearing the account number **************** and **************** subsequently acquired the XXXX noted accounts, and Chase bank acquired the same XXXX accounts thereafter for which credit cards evidencing the acquisition were not issued prior to the commencement of litigation between Plaintiff and Defendant. 5. Plaintiff established an excellent longstanding credit history/high credit score havingmade responsible use of said credit cards from XXXX, XXXX, through to XXXX, XXXX, at which point Plaintiff accumulated a final combined total actual balance of {$31000.00}, as order. 6. Defendant is in breach of the terms of the " Cardmember Agreement '' for the twocredit cards they/Defendant issued. Additionally, Defendant is in breach of the remaining XXXX " Account Agreement '' for the credit cards issued by Washington Mutual that Defendant subsequently acquired having forced Plaintiff into default through applying unconscionable changes in terms, unjust application of default rates to the balance Plaintiff had accumulated over the years " unless the full balance is paid in full immediately '' when Plaintiff ( 1 ) followed the described steps to " opt out '' of the changes in contract terms ; ( 2 ) did n't make direct payments to Defendant because the contract terms clearly state that " ANY '' account activity constituted agreement with the new terms that Plaintiff made clear he disagreed with, but he continued to make minimum payment 's to a third party to avoid transitioning into the new contract while continuing to make minimum payments - which Defendant was notified of - but Defendant still applied default rates and lied to the courts in XXXX stating that their actions were justified because Plaintiff " is in default of the terms of the cardholder agreement having not made monthly payments to [ Defendant between XXXX XXXX and the commencement of Defendants ' complaint on XXXX XXXX, XXXX ] thereby rendering the entire balance immediately due and payable. '' Defendant tried to force Plaintiff to pay them directly, despite knowing that payments were being paid to a third party, in an effort to force him into the " new contract, '' and despite said payments to the third party and Plaintiffs ' efforts to resolve the issue amicable - Defendant moved forward in breaching its obligation to comply with ALL cardholder rights, as well as their responsibilities to Plaintiff/cardholder as described in the " Cardmember Agreement [ s ] '' and " Account Agreement [ s ]. '' A true and correct copy of the breached contracts/agreements are attached hereto, marked as Exhibit " XXXX '' and made a part hereof. Consequently, Chase Bank refused payment from Plaintiff 's intermediary and sued him for more than the actual balance and ruined his longstanding good credit from XXXX through now precluding income from hx of property investing. | ||||||
| 06/08/2015 | Yes |
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Web | Older American |
| On Friday, XXXX XXXX, 2015 I viewed my Chase Bank online banking statement and discovered that on XXXX XXXX, 2015 Chase Bank paid {$39.00} from my personal checking account on the basis of a fraudulent check that had no signature at all in the signature block and no payee name in the payee block. This debit was identified on my checking account statement merely as " Check XXXX. '' Since this check number fell outside of the range of the supply of personal checks I was using, and there was no additional identifying information about the payee, I opened the " View Check '' option and discovered the appearance of the fraudulent check. A copy of the fraudulent check and my notarized Affidavit advising Chase Bank of this fraud are attached documents to this claim. I immediately phoned the Chase Fraud Hotline on XXXX XXXX, they viewed the check and confirmed that it was fraudulent and immediately closed that personal checking account and instructed me to go to their nearest branch ( the " XXXX Branch '' ) sign a notarized Affidavit of fraud, and open a new checking account to replace the XXXX that was closed. I was assured by the Chase Fraud Department representative that no further charges directed against my closed account would be charged to the new account that I was to open, but that all recurring automatic debits such as my monthly XXXX payment, my XXXX monthly pension payment, and my monthly commission payment from XXXX would AUTOMATICALLY be paid to my new account on XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). On XXXX XXXX I went to Chase 's XXXX Branch and spent over XXXX hours while Chase personnel opened the new account and had me sign a variety of documents including the attached Affidavit. Chase personnel at the XXXX Branch also assured me that all recurring automatic debits such as my monthly XXXX, my XXXX monthly pension payment, and my monthly commission payment from XXXX would AUTOMATICALLY be paid to my new account on XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). On the morning of XXXX XXXX I opened my Chase online checking account statement and discovered that the balance only amounted to {$12.00}. Since I had matters to deal with in XXXX XXXX in the afternoon of the same day I visited the Chase Branch at XXXX XXXX and XXXX XXXX and met with a bank representative and the Branch Manager to complain that the XXXX and XXXX deposits had n't been credited to my new account as had been promised. After phoning other Chase departments they informed me that they received the XXXX payment of {$390.00} but had left the funds in Chase 's General Account on XXXX XXXX but had not deposited the funds to my new checking account, nor would they do so for an indeterminate period of time. And, even though I presented them a document XXXX had mailed to me stating unambiguously that my XXXX 2015 XXXX of {$1700.00} would be credited to my checking account no later than XXXX XXXX the Chase personnel denied that there was any record of such payment. When I then threatened to phone my local police precinct and report Criminal Conversion of my funds ( i.e. Theft ) the branch manager stated that he would arrange to have the XXXX deposit of {$390.00} credited to my new checking account immediately. When I left the branch at XXXX XXXX, over XXXX hours later, I checked the balance in my new checking account via their ATM machine and I obtained a printed receipt showing the balance to still be {$12.00}. Subsequently the XXXX deposit that was to have been credited to my account on XXXX XXXX was credited on XXXX XXXX after repeated complaint phone calls to Chase 's customer service number and the XXXX deposit of {$1500.00} that was to have been deposited on XXXX XXXX was n't deposited until XXXX XXXX, again only after repeated complaint calls to Chase. | ||||||
| 12/23/2021 | Yes |
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Web | Servicemember |
| chase bank has harrassing me with constantly block my account and threatening to close my acount. and after putting complaints are threattening to close account. the y refused to refund withdraw fees. and the most recent that they sent threatening to close my account if i didnt verify activity was sent to me and then deleted from my account but i got the original downloaded copy it -- -attached. this act was evil and monsterous. also for years they refused to give compliance to my ADA concerns for years so i could not have voice authentication as a XXXX assitance. and my verification of account as a harrassment issue. and when there was a fraud where someone used my card at a gas station.. they never contacted me or did anything. but once reported of a fraudulant it casused me to not able to use the bank card multiple dozens and dozens of time. also i had been requesting numerous times due to military XXXX as a XXXX veteran with XXXX XXXX could not access the phone well and had XXXX XXXX that causes XXXX XXXX from the XXXX XXXX XXXX. this XX/XX/2021 has been one of the viscious handling of account and chase employee fraud towards a chase account holder who has a military account that is XXXX XXXX. most recent scenario that occurred in the first week XX/XX/2021 in XXXX XXXX CA. but it seems like a XXXX chase employees from XXXX and XXXX have caused numerous threatening harrassment of account closures and even fraudulantly lied to bank reps that i never verified my accounts while i was inside of a branch while telling what happened. i had recordings of audio where they threatened me and stated my account was fully verified and then was locked again. and a phone lied while in the branch for verification to me and a chase bank manager that i was never verified. but once the audio call was listened to the XXXX chase employee quickly stated my account was unlocked and no further verfication was blocked. then the following week my savings account was blocked for no apprarant reason. and could transfer money out of my account. this is a scenario that has happened for years. and part of the chase executive complaint resolution center for customers has been involoved in covering this up. the chase XXXX employee management from XXXX and XXXX are harrassing american military XXXX who are XXXX and made threats. and every time i asked to american reps of chase... they put me in a dead hold cue or they hang up! the situation is more worse than i explain by words ... because of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX struggles. they also hid letters for my fraud claims in where i wouldnt be made aware of what was happening to the claims, thus causing a denial in my claims i need immediate help. the military XXXX direct deposit takes a couple of months to setup. i am overseas with my and need money from my account. there is no one in the USA that can help with money. i have money in savings account. that i need. i cant buy my medications and cant buy food cause my chase transfer feature is blocked. the situation took a very tasty turn from chase after multiple complaints. and when i finally got someone to answer at the chase executive escalation repsonses they wouldnt tell who was closing my account and who was involved or why and there are still claims in which i have lost money from merchants in which i could not get my money back that needed to be handled but could not because my account was blocked. the banks involved were chase XXXX XXXX @ XXXX XXXX XXXX MR. XXXX XXXX chase bank @ XXXX tx - branch manager. i also have recorded audio that is the most damaging and video where even a chase branch could be involved in this cover up! the chase executive escalation resolution office @ XXXX texas | ||||||
| 11/12/2016 | Yes |
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| XX/XX/2016 I sent a payment to Chase Mortgage for XX/XX/XXXX. Apparently it was a couple days too soon and they posted it as principle or a second payment for XX/XX/XXXX. XX/XX/XXXX I got a letter saying I did n't pay. Spent over an hour on the phone sorting it and finally said it was their mistake, the would reallocate the funds, I owed nothing ( In fact, I over pay every month and on time ) and assured me it would not effect our credit as we are under contract on a house to close on XX/XX/XXXX. XX/XX/XXXX an email from our lender saying our credit had been dropped over XXXX points and we needed a to procure a letter explaining what happened. We have spent many hours over the past 3 days on the phone and on hold with so many different people who have promised to escalate and expedite and talked to the supervisors supervisor and we would have a letter in the morning. He asked us specifically what we would like the letter to say. We asked that is simply state the fact that we have never missed a payment in the history of our loan. The next day, no letter. We spent at least 5 more hours between us on the phone trying to sort this out. We have written a letter to Chase which I will copy at the bottom of this and it explains in detail what our issues are. We finally got a letter today and it is wrong. It says that our XX/XX/XXXX payment is current and it will take 30 days to fix our credit. XX/XX/XXXX was n't even the month in question and we do n't have 30 days to fix our credit. At this point, with all these delays as a result of Chase 's gross lack of customer service and poor handling of their mistake, we will either lose the house or have to push our closing date back if allowed which will cost us thousands of dollars and which I believe Chase should reimburse us for. XXXX, I 'm writing to make sure you are aware of some of the lack of follow through, empathy, and customer service that seem to be a total void at your company. My name is XXXX XXXX, XXXX year old XXXX, I 've held credit cards and XXXX mortgages with Chase over the last 20 years, I have XXXX children XXXX with my wife XXXX. I 'm in process of buying a house and have a current mortgage with Chase, because we paid our monthly mortgage payment early and overpaid the amount you company misapplied the funds and somehow showed a missed payment on my account which your organization incorrectly reported to credit bureau organizations. I first made Chase aware of this on XX/XX/XXXX and was assured it was resolved ... there was no follow through and the false report to credit agencies halted the current loan process on my new home purchase. The following events then happened. I spoke with XXXX XXXX in customer service case # XXXX on XX/XX/XXXX and he assured he would have a letter written to myself for the credit agencies to assure that there were no late of missed payments on the account. I encourage to listen to the recording of that conversation so you understand the commitments that were made to me on behalf of Chase and no follow-up at all occurred. I then spoke XXXX XXXX in customer service, she created a new case because apparently my 2 hours previously spent with XXXX was a total waste of time and no issue was documented or resolved. She created a new case # XXXX which nothing to this moment has occurred. Does your organization understand that people have lives, homes, relationships, finances at stake based on the way you handle your business, is there any appreciation for that at Chase? To disregard us and fail to help resolve is an unacceptable way to do business and a terrible way to treat people. This has cost me thousands of dollars, potentially a home, lost hours of my life and undue stress on my family. I I trust that you 'll read this and make this right. Sincerely, XXXX XXXX | ||||||
| 12/07/2016 | Yes |
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Web | Older American |
| I contacted Chase VISA XXXX Credit Card in early XXXX, 2016 to 1 ) advise I was traveling to XXXX & XXXX XXXX XXXX XXXX XXXX, 2016 so as to avoid any potential fraud alerts. Second I requested information/updates to my use of my Visa XXXX card in renting cars in both XXXX and XXXX, particularly as to any updates regarding Collision Damage Waiver ( CDW ) and use of my card for insurance when renting cars in XXXX & XXXX. I was transferred to the Benefits Administrator unit. I advised the person I talked to ( unfortunately, I did not write this person 's name down ) I was traveling to XXXX & XXXX and would be renting a car in each country. The person asked me if I wanted him/her to review the terms of insurance coverage when using the Chase Visa XXXX card or send me a copy of the guide. I advised that he/she could send the guide. The person reminded me to decline any insurance/ XXXX offered by the rental car company and advised it is covered under use of the card. Once in XXXX, we arrived at XXXX XXXX XXXX Car to pick up our car. I presented my Chase Visa XXXX Card and said that I was declining their CDW insurance. They asked me for a letter from Chase. I said that I had no such letter. The rental agent advised me that I could not rent a car without this letter. I said that I contacted Chase prior to leaving on the trip and was NOT told that I needed any letter confirming CDW coverage under my Chase VISA card. The agent told me that they would not rent a car to me without that letter using the Chase card insurance coverage. He said that XXXX was an exclusionary country that did not have to honor the Chase CDW insurance, especially if I did not have the letter from Chase. And even with that letter I would be required to post a XXXX XXXX deposit on my Chase card. I offered to call Chase right then and there and they would confirm my coverage. The agent said no, it would not make a difference. I needed to present the letter to them now. We had a lengthily discussion and the agent 's answer was the same : he would not rent a car to me using Chase CDW insurance without that letter. The only option was to buy CDW insurance from XXXX at either XXXX per day with limited coverage or XXXX per day with complete full coverage. I protested that this was an excessive amount of money for insurance. The agent explained that insurance in XXXX is very high due to the number of accidents, bad drivers and claims made by drivers against insurance companies. I was extremely upset and angry about this because the total cost of the insurance would be about three times was it cost to rent the car. Since I was beginning my 2 week vacation with my wife and sister-in-law, I had no choice but to take Enterprise 's CDW, we opted for the higher protection because at this point I did not trust them and their limited coverage. Upon returning the car, I noticed that the rental car agreement specified the total charge for car and insurance was XXXX Euros, but the receipt attached to the agreement showed the transaction amount to be {$990.00} - XXXX. I told the agent I did not want the charge in dollars, but in XXXX. I was told I needed to talk to the manager on duty, which I did and explained to him, I wanted the charge changed to XXXX and not XXXX. He said that he could not change the receipt, but that the rental agreement amount was in XXXX and that this is what would be billed to my Chase card and not dollars. Hence this part of the problem was resolved with the issuance of the {$55.00} credit. So the fact still remains that I dispute and reject the charge of {$930.00} with this clarification. In all my correspondence I have been disputing the charge of {$930.00}, which I now find is slightly wrong, I forgot to subtract {$290.00} for the rental car. Correct disputed is {$630.00} | ||||||
| 05/12/2015 | Yes |
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| I had an unauthorized charge on my debit card for {$140.00} from a book merchant in XX/XX/2014 so I called my bank to dispute the charge & was told that as a courtesy, the charged would be reversed while they investigated the issue. In XX/XX/XXXX I learned that my account had been overdraft into a little over {$200.00} but since I did n't sign up for overdraft protection I figured that whatever the charge was ( because I had n't used my debit card any that month so it did n't come from me ) that it would be revered & thought nothing else of the matter. I received a letter about the issue & called but a recording came on about some type of trip/vacation giveaway/promotion & then something about high call volume & then the phone would disconnect but again I was thinking that the issue would be reversed because I is n't have the overdraft protection. In XXXX I received the same letter but now the overdraft totaled a little more than {$200.00} & I was thinking how is this possible I have n't used my card since XX/XX/XXXX! So I called my bank & was told that they had reversed the credit of the unauthorized charge! My question was why and why had n't I been informed that this was the result of the investigation? The lady told me that she did not have that information but she would get her manager to help me with that issue. The manager got on the phone and asked how could she help and I asked why was the charge reversed and why had n't I been notified of that action. She told me that the company said that the book return was late so the charge was reversed, now I 'm perplexed. I dropped the book off at the XXXX location weeks prior to the due date so what XXXX did after I dropped it off had nothing to do with me plus it was in the month of XXXX, XXXX holidays, busy month, etc how can I be faulted for that and plus they still have the book in question that apparently you just informed me that I 've paid for! Why would you reverse a charge to a company that I returned unaltered, non-damaged goods back to? I was then told that I would have to contact that company, wow! So I asked for and was given the number to ecampus.com books, was told someone would return my call to help me with the issue but after XXXX days I had n't heard anything so I reported them to the BBB at the end of XXXX and to date the BBB has not gotten a response from this company although they have until XXXX. It 's a little disturbing to learn that a bank that 's suppose to secure your money can complete a unauthorized charge investigation be told something to contradict their consumers claim & they just release your funds just like that without warning, notice or follow up, nothing given to you so that you can argue or provide proof to that dispute. When I disputed the charge I told the bank CS agent when I mailed the book & that maybe the company has n't received it yet because of the holidays but that I dropped the book to XXXX almost two weeks before the book was due on the XXXX of XXXX & I know this because they sent a reminder that the book was coming due and then another XXXX stating if I needed more time, etc which I did n't because I had already shipped it. So even knowing this ( I know they put notes on cases ) the bank still chose to reverse the credit and did so without warning or notice about the investigation & their choice to reverse a {$140.00} charge based off a company saying " the book was late '' not that they did n't receive the book ( which would have been opposite to my claim of me returning the book ) but it was late! I paid for a book that I do not have because my bank thought it best to reverse a charge that was unauthorized simply because the book company said it was late all without notice or investigation follow up choice & that 's highly unacceptable in my eyes. | ||||||
| 11/08/2016 | Yes |
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| In XXXX 2016 several unauthorized transactions for Amazon and XXXX were charged to my credit account for {$2200.00}. I contacted Chase bank upon discovery and was given a temporary credit while they investigated. The initial Chase representative I spoke to told me several attempted charges of {$790.00} were made in succession ( repeatedly being declined ), but only one went through. I asked why I was not called about this as the attempts should have flagged my account, but only received an apology. In XXXX 2016, I was contacted by a Chase fraud investigator asking if I had ever made purchases from these merchants before. I said yes as Amazon is a pretty common merchant, and he said that if that was the case, then the transactions must be valid and my fraud claim was denied. According to Chase, this is because the items purchased fraudulently were shipped to my billing address. I informed Chase that I had n't received any of the packages. They were not at my door, they were not at the reception office of my apartment building, they were never delivered to my direct apartment unit. The Chase investigator said that since the packages were shipped to my address, I was responsible, even though none of the packages were delivered to my apartment specifically. Some packages had a change of address the day of delivery, some went to the reception office and went missing from there. I have received or signed for none of the packages and yet I am being held liable for {$2200.00}. My identity has been stolen, so other similar fraud has occurred and I was not found liable by Chase. None of the signatures provided by the Chase investigator were in my name, or anyone in my apartment. The packages are considered stolen at this point and have been reported to the police. I informed the Chase investigator that I was a victim of identity theft ( bank accounts and other lines of credit have been opened in my name without my permission ) and was told the only way for the claim to be approved would be if I informed the police of the fraudulent transactions, which I did. I provided Chase a copy of my police report, and the phone number to the detective who would be investigating the fraud. It has been two months since I gave them the report, and while several other fraud charges were approved, the {$2200.00} is sitting on my account collecting interest. I am aware that they may never find the identity thief, as it could be anyone from a friend to a neighbor, but I should not be held responsible indefinitely because I did not make or authorize the charges. I did not give my permission for these transactions! I have been paying the bill, hoping Chase would resolve the issue and refund me, but they have not. Chase is holding me responsible for packages I did not order or receive, from transactions I did not authorize. The evidence Chase provided me was inconclusive- one package ( the most expensive at {$790.00} ) did not have adequate tracking, or require a signature. According to a phone conversation I had with an Amazon representative, the package was " left at a location '' but they could not confirm where, when, or what address. I was told they would contact the driver, so that he could tell me where he had delivered the other packages, but I never received a response. There was one instance where a fraudulently purchased package was out for delivery and I happened to be home. I refused to sign for it and told the driver to return it to the sender, since I did n't order it. I informed Chase of this ( which the merchant confirmed ), in addition to providing them a copy of an email from the secretary from the reception office at my apartment, where she states there are no signature logs for packages held in the office, since they are not the responsibility of the property. | ||||||
| 04/05/2023 | Yes |
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| On Saturday, XX/XX/XXXX, I saw a property listed on XXXX XXXX and contacted the seller, " XXXX XXXX '' to ask if I could visit the unit. She asked me to contact " XXXX XXXX, '' the local leasing agent, who responded immediately and set up a visit for Sunday, XX/XX/XXXX at XXXX. He provided the name of his company, his California broker 's license number, and various other points of information that made the transaction seem legitimate. He did not appear at the unit, but called me and provided an access code and directions to an unlocked apartment for viewing. I toured the property with XXXX XXXX on the phone and fell in love with the space. XXXX XXXX stated he would send an application, screening guidelines, deposit instructions, etc. by email for my consideration. I received the application and it seemed fair and legitimate. I provided the requested paystubs, proof of employment, etc. and waited for an answer. XXXX XXXX informed me that my lease was approved and that I could move in on XXXX. He asked that I wire $ XXXXsecurity deposit + {$1500.00} first month 's rent to the property management account to hold the unit until XXXX. This is not an uncommon practice in XXXX XXXX, especially when holding a unit for more than 30 days, so I thought nothing of it. After submitting my payment at XXXX on Monday, XX/XX/XXXX at Chase Bank in person, I confirmed the transaction # with XXXX XXXX and waited for him to confirm my move-in instructions. After 24 hours, I had not heard back from him. I began to suspect something was unusual when I saw the same unit listed on XXXX under a different property company and a different monthly rate ( {$2300.00}. ) I began to research XXXX XXXX and discovered that he did not work for XXXX XXXX XXXX, did not represent this property, and quite possibly was not even XXXX XXXX at all. I traced his number back to a website representing " XXXX XXXX XXXX '' which did not list this property as a site. I believe this website is also an attempt to legitimize the scam operation. As it turns out, XXXX XXXX is impersonating an agent living in northern California, even using that agent 's broker license number to misrepresent his connection to the property! I do not understand how he obtained an access code to the property or keys to the unit, but he most certainly committed fraud on multiple levels, including the collection of a wire transfer under false pretenses. XXXX XXXX finally responded to me on the morning of XXXX and said he would provide a rental receipt " when he got to the office. '' He also said that my agreed-upon move-in date of XX/XX/XXXX was " no longer available per policy '' and that the soonest I could move in was XX/XX/XXXX. I have notified him that is not feasible as I've already given notice at my current rental, and asked to terminate the lease agreement per the printed terms and conditions ( 3-day cancellation prior to arrival date, with a {$100.00} penalty. ) I have not yet heard back from XXXX XXXX. I have reported this to the local police, notified the local FBI office, and filed FTC and IC3 FBI complaints. I contacted Chase Bank and requested a XXXX reversal of the transfer within 24 hours. I also contacted XXXX XXXX, notified them of the fraud, requested a XXXX transfer, and suggested a potential freeze on the receiving account. XXXX XXXX said they were dependent on Chase Bank to direct them ; Chase Bank said that they could not consider the wire transfer to be fraudulent because I initiated it myself. This does not make sense to me. Any purchase, whether I initiated it or not, could ultimately be fraudulent. I would expect the bank to provide consumer protections if a customer had been victimized by a scam. Chase Bank does not seem to be doing anything with my concern at all. Please advise. | ||||||
| 08/28/2020 | Yes |
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| My name is XXXX XXXX, born on XX/XX/XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, USA. My phone number is XXXX. My email address is XXXX In mid-XXXX, I have traveled to XXXX XXXX, and one of the countries I visited was XXXX. During that trip, I carried my pocket wallet and I had some cash and my Chase Visa Debi Card. I used the card a few times in XXXX, XXXX. The last time I used the card was when I did a small cash withdrawal, the exact amount I do not remember, but was something around XXXX EURo ( equivalent to approximately XXXXUSD ). I have used the card to get some cash from the ATM, and used the pin number at that time. The funds were to get by for about 2 days, ( eat lunch dinner, etc ). While in XXXX, XXXX, I realized someone stole my pocket wallet the following day. I looked everywhere and did not find my wallet. It was nowhere to be found, also not in the apartment I was staying. Also, my chase debit card along with some cash and pocket wallet was missing. I was in a foreign country and did not know what to do. I immediately called Chase Bank ( I believe the date was XX/XX/XXXX ) to report the stolen card. I was told that some funds were withdrawn from the atm, which I NEVER authorized. Also, I was told that the card is used to make purchases. Again, I did not authorize those purchases. I was shocked that my card was stolen and used by someone. How they used the card and the pin I have no idea. I complained this to Chase Bank, they told me I will be reimbursed for my loss, and they will investigate. They opened 3 claims. 2 claims were for ATM withdrawals. The claim numbers are : Claim # XXXX in the amount XXXX, and Claim # XXXX amount XXXX. Both of these were atm withdrawals which were made by someone other than me. Another claim was for non-atm withdrawals, which means the card was used by someone to make store purchases as Chase told me. The non atm Claim # XXXX amount XXXX. Chase told me they will investigate and refund me the stolen funds. After a week I called chase bank ( phone number XXXX ), and to my surprise, they already closed the claim, and denied it. I could not believe that! Being in a foreign country, I went through a lot. My card was literally stolen and used by someone other than me. They used the card to make withdrawals. They used the card to make purchases. I have no idea how they got access to my information. But I had my pocket wallet, and some cash inside, along with my Chase debit card. The card pin was not written on the card, or in my pocket wallet. They managed to get my funds and use the card, without Chase bank blocking it. On top of that, Chase bank told me they can not help. When I called back on about XX/XX/XXXX or so, I complained that this is injustice. They claimed that VISA said someone used my card with my pin number! I said this is exactly what I told the bank, that my physical card was stolen and being used by a thief. That I want my funds back. They said the claim will be reopened and they will investigate. Again, I called the Chase fraud department on XX/XX/XXXX, and to my surprise, they did not reopen the claim. On top of that, they said the claim was denied because the physical card was used to withdraw the funds from the atm. I can not believe this, that a bank can not protect its clients. That I have stated so many times, the fact that my card was stolen along with my wallet, and someone had access to it, without my knowledge. When I found out the following day that my card was missing, I reported directly to the claims department. But they did not do justice or investigate this claim. I have not idea what else to do, but Chase bank did not investigate my fraud. My funds were stolen, and I have nowhere to go. I want to open a consumer complaint to help me with this. Thank you! | ||||||
| 03/21/2016 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX C/o XXXX XXXX XXXX FHA Loan # XXXX Bankruptcy # XXXX CFPB # XXXX To the CFPB Litigation Attorneys, *Response to JPMorgan Chase letter dated XXXX XXXX, XXXX JPMorgan Chase Bank National Association has again failed to obey basic banking and mortgage regulations on far too numerous occasions to mention. However, we are merely enumerating one more such instance that involves, a failure to supervise, Robo-Signing, deceptive issuance of credit, failure to uphold their fiduciary responsibility as a financial services provider, and an overall contempt for governance and rule of law. JPMorgan Chase Bank National Association is the primary factor that has caused our family to engage in the filing of bankruptcy protection, from the unsafe business practices of such an irresponsible fiduciary institution. The level of overall contempt for governance and rule of law includes " Dual Tracking '', illegal foreclosure, illegal transfer of Deed, and mortgage fraud. JPMorgan Chase Bank National Association has failed to provide original documents to give proof of ownership our property to our attorney of record. JPMorgan Chase Bank National Association does not now, nor have they ever, had ownership of our property. We have submitted ; as have many families, definitive proof in the form of documents and letters that substantiate that we are victims of " Dual Tracking '' and mortgage fraud by JPMorgan Chase Bank National Association intentionally misleading us through the loan modification process. Summary timeline : We originally fell behind on our mortgage payments due to financial debt created by the rising cost of health care. Like many families complications with health issues lead to loss of full time employment. We were told that our home could go into foreclosure and JPMorgan Chase Bank National Association in turn requested that we apply for loan modification, which we responded to immediately. We also requested to utilize other options that were being offered nationally to US citizens through the Obama administration. We were told on several occasions that we must go through JPMorgan Chase Bank National Association " Loan Modification '' process first and if we were denied then we could qualify for other national programs, and that JPMorgan Chase Bank National Association would have the final say to determine the right program. We complied and submitted all documentation to XXXX XXXX XXXX, our representative at JPMorgan Chase Bank National Association. Our last official written correspondence was XXXX XXXX, XXXX. We received the letter enclosed that stated that all documents have been received for the loan modification and that JPMorgan Chase Bank National Association would give us a " RESPONSE IN A TIMELY MANNER ''. At this point our understanding was that we had completed the documentation and application process and were waiting on JPMorgan Chase Bank National Association response. We called several times to get status of the submitted documents because we kept receiving letters of foreclosure from the City of XXXX. Every time we called the JPMorgan Chase Bank National Association Representative XXXX XXXX XXXX told us to " WAIT FOR a FORMAL RESPONSE and DO NOT CALL. '' XXXX XXXX indicated that ; we were being pre-approved for credit and the foreclosure would be halted & nothing further was required for us to do. That was our last verbal response from XXXX XXXX XXXX. From XXXX XXXX, XXXX we did not receive any communication nor a formal letter of approval nor disapproval of credit and new terms on the loan modification process. It was not until XXXX XXXX, XXXX | ||||||
| 11/09/2015 | Yes |
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| XXXX XXXXMy goal in this complaint is for Chase to correct our credit report and undo, or at least prevent further damage to our credit. As you can see they say were late on our payments in XX/XX/XXXX, and we never were. The proof of this is that we were credited with XXXX {$5000.00} principal reductions for never being late on our payments since we entered the TARP program in XX/XX/XXXX. In XX/XX/XXXX after struggling with under and unemployment for over a year, I was unable to meet my financial obligations under my mortgage. About a week before my payment was due ( I must make my payment on or before the XXXX of the month ), I knew I was n't going to be able to make the entire {$1600.00} payment. I had heard about President Obama 's program and followed a link on the Chase web site, which led me to an office called the " XXXX XXXX XXXX ''. My wife and I spoke with a man named XXXX XXXX. He told us that Chase there was " a program '' for folks like us. We naively thought this was the President 's program ( it was not ) he also told us that we had to be at least one month late. He was kind to us but it turns out that the program he represented was not the Federal program but rather a Chase internal program. It was extremely difficult to get a straight answer out of anyone. We thus began our troubled interaction with Chase and it 's plethora of contractors and divisions. We were on time for the XXXX payment and per the instructions of XXXX XXXX we were late on our XXXX payment but the next month, XX/XX/XXXX, when I received my tax refund I paid two months payments, Later that month, in order to qualify for the TARP program I had to make a XXXX payment. In order to do this I had to borrow money at 10 % per week rate of interest. I scrupulously followed the rules of the program and Chase never acknowledged this. I sent in my completed form for Phase one and it was returned executed by Chase. We had marked it up to correct a typo and to change payment due dates per our conversation with a " Chase '' representative. The reason I put Chase in quotes is that we spoke to so many people from so many entities claiming to be Chase that seemed to have no contact with each other that we could never be sure whom we were speaking with. Chase executed this agreement without comment. It took Chase almost a month to sign the Phase one agreement after we did, and another month to return it to us so we knew to expect very slow responses from them. Letters telling us we were in foreclosure and phone calls demanding payment constantly harassed us despite our constantly calling and saying we were in the program. We made payments as agreed and in XX/XX/XXXX, when we received the Phase two paper work we signed it, but we also noted that we disputed some the charges as they seemed to have been levied after XX/XX/XXXX, the effective date of the agreement from Phase 1. The note in question said : '' This amount reflects interest and other charges accrued after XXXX/XXXX/XXXXSince this was supposed to be, per contractual agreement with Chase, the effective date of this agreement, we dispute these charges validity. '' We initialed and dated our comments. We did not cross out our or modify the amount and signed the agreement. For the next several months we heard nothing from Chase except the usual non-stop stream of foreclosure and by XXXX we grew concerned and asked what the problem was. We began to receive a series of letters saying one or both of us had failed to either clearly sign or date the original Phase XXXX form. This, as can be seen from the enclosed is untrue, We sent in another copy of the signed paperwork, this time without the note as we had resigned ourselves to the fact that Chase would never give us a straight answer or live up to their part of the bargain. | ||||||
| 01/08/2023 | Yes |
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| I was a victim of debit card fraud and Chase has denied my fraud claim. This is a timeline of events XXXX. XX/XX/XXXX Received Text XXXX impersonating XXXX saying they could not deliver a package due to incomplete house number and to fill in the address. Coincidentally I had ordered something and forgot to put the unit number when entering in the shipping address. I thought this text was in reference to that. When I followed the link my web browser did not warn me that the website was a risky one and it looked exactly like the XXXX website. It asked me to fill in my address and pay a redelivery fee of {$3.00} which I did so using my Chase XXXX XXXX. This is where I think my card information was initially stolen. When I looked up my transaction history in my chase account I could not find this {$3.00} transaction. This happened while I was on a work trip and did not really have time to look into it any further, since I didnt see anything on my statement I figured it just didnt go through or something. XXXX. On XX/XX/XXXX at XXXX I received a call from number XXXX that I did not answer. I googled the number and it showed up as a Chase number. At XXXX the number called back and I answered. There was an automated recording saying a chase representative needed to talk to me but first needed to confirm my identity. To confirm my identity, they sent my phone a text message with a code that I entered into the dial pad on my phone. As soon as I did that the call hung up and I received an email to my gmail account at XXXX saying my card had been added to a XXXX XXXX XXXX. XXXX. I immediately I looked up my Chase account and saw a fraudulent pending transaction for some business I have never heard of in XXXX XXXX XXXX called XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$770.00} along with a foreign conversion fee for {$23.00} for the XXXX XXXX Charges as they appear on my statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Chase XXXX XXXX and filed a fraud claim for the aforementioned transactions. XXXX. On XX/XX/XXXX Chase sent me a notice saying they denied my fraud claim saying they found the charges to be real and that I authorized them. XXXX. On XX/XX/XXXX I called Chase Fraud Support on XXXX separate occasions times looking for an explanation as to why my claim was denied. XXXX of the XXXX I was disconnected mid conversation with a supervisor. Finally when talking to the XXXX supervisor I was told it was denied solely because it did not appear as though my debit card ending in XXXX was added to a XXXX XXXX on a different device. They also told me the type of transaction that was processed was an in XXXX XXXX XXXX Tap Transaction which makes no sense because the charge is for a company in XXXX. I also did not receive a fraud prevention alert for this foreign transaction. I explained to them that this transaction does not exist anywhere in any of my XXXX XXXX activity/statements nor have I ever used my Debit Card with my XXXX XXXX XXXX. If I had performed this transaction myself as they are saying then there would be some kind of evidence of it somewhere in my XXXX XXXX activity. There are no other transactions in my chase checking account history going back to XXXX that are anything like this fraudulent charge to a foreign company in XXXX. I reported the fraudulent activity immediately after it happened while the charge was still in a pending state. Chase fraud support was not interested in any explanation or evidence I had to provide to them that this was fraud. The last supervisor I spoke to clearly stated to me that I was a victim of fraud but Chase would not do anything to help me. | ||||||
| 04/23/2015 | Yes |
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| XXXX XXXX, XX/XX/2015To Whom IT May Concern : Appeal RequestMy name is XXXX XXXX and I called in on XXXX XXXX, XX/XX/2015 around XXXX XXXX. and spoke with XXXX XXXX who is a Customer Assistance Specialist. I asked how was my income calculated and she advised me that I would have to send in a written request for that information. I asked to be transferred to a supervisor and I was transferred to XXXX XXXX in the Escalation Department. I asked him the same question how was my income calculated he placed me on hold came back to the phone and stated that he noticed the income was different from what was placed on the form. He advised he would research it and give me a call back in 24-48 hours. I never heard from XXXX XXXX. I received the repayment plan letter on XXXX XXXX, XX/XX/2015. The repayment plan letter was dated XXXX XXXX, XX/XX/2015. The letter states " to accept this agreement, within 5 days if receiving this letter I need to sign and date the acknowledgement of borrowers form. 1 ) First, I disagree with the amount used for my gross and net income. 2 ) Secondly, I request a review of this information and a detailed description of how this information was calculated along with my expenses. 3 ) Thirdly, when I called back and spoke to XXXX XXXX I was advised that he could not provide me with his supervisors email address and he would give me a call back within XXXX hours. I have heard this before and no one has called me back. 4 ) Fourthly, I thought someone would have called me to review over the financial information to determine that all numbers and figures were accurate. Today I called in today and spoke with XXXX who placed on hold for over 15 minutes and no one came back to the phone. I called back and spoke with XXXX I am unsure what department he works in. I explained everything to him and I was transferred back to the escalation department. This time I spoke XXXX XXXX who reviewed the notes in their system and advised the underwriter is still reviewing the file. He advised he was not sure how long it would take before the underwriter me with a response. I explained everything to him and I asked him if I had to sign the repayment agreement seeing that I had questions and concerns related to the financial analysis. He advised if I did not they could proceed with foreclosure became my account is 6 months delinquent. It was not my intentions to become 6 months delinquent. I love my home and I am willing to work with my Servicers but I do not feel the financial analysis is correct. I still can not understand why I was not approved for a loan modification. I asked XXXX XXXX to transfer to a supervisor he placed me on hold came back to the phone and advised the supervisor was on the phone. I asked him if there was another supervisor who could assist me he advised no. I asked him for the supervisors email address he advised he could not provide that to me. He took my number and advised XXXX XXXX the supervisor will give me a call back. I am signing and returning the repayment plan agreement I feel that I was forced into signing this because my concerns were not addressed. I do not feel that my case was handled or worked accurately and I am requesting an investigation pertaining to my mortgage loan. I feel that I was pressured into accepting this repayment plan because I was not given any other loss mitigation alternative to prevent foreclosure. The problems I am having with Chase has been going on for months. I feel they do not want to offer me a loan modification I feel they made this decision with consulting USDA. Chase continue to send out borrower packages asking for my financial information and even if i advise that I want to appeal their decision they advised me that I have to complete the entire borrower package over again. | ||||||
| 02/22/2017 | Yes |
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| In XXXX of XXXX I defaulted on my loan, jpmorgan chase appointed XXXX XXXX XXXX XXXX to foreclose, then XXXX is grantor with notice to grantee-Me on XX/XX/XXXX, sale completed XXXX XXXX XXXX. the mortgage loan had been sold to XXXX master particpation trust XXXX XXXX with jpmorgan chase listed as servicer, later assigned to XXXX in XXXX. county auditor records indicate no reconveyance or assignments after XX/XX/XXXX. Between XXXX, XXXX and chase all sending notices, letters of all types, late payment amounts to be paid, loan being sold, several postponements of the sale, refusal to provide answers etc I was completely confused as to who I was directly responsible to and again questioned if there was a legitimate note. XXXX is listed as the last lender and loan originator on foreclosure documents which confused me as I had refinanced with chase in XXXX which is not mentioned and then a HAMP loan mod in XXXX there are no documented reconveyances indicating either occured after that XXXX refi. I previously had an XXXX loan that I suspect when refinancing with that co. in XXXX had not paid off my loans as indicated which included a Heloc [ XXXX ]. the refi had an adjustable rate rider, and an adjustable rate note, however it appears the adjustable rate note is not included XXXX XXXX recording docs and only included in the many notices I received. after reviewing my loan documents I found evidence of robosigning, the documents being altered after signing, papers that indicated the both first and heloc were to be completely paid off and rolled into one which was my goal, that is to get rid of the heloc completely, a very exagerated original loan amount to name just a few. after they folded in XXXX my loan was assumed by XXXX. eventually the payments became to high. thus the refi with chase bank. The XXXX with I believe Chase home finance with the assistance of a XXXX XXXX XXXX. It appears that the heloc does not exist on these loan documents indicating to me it had been taken care of in XXXX. The loan amount originated with them is around XXXX. The change in interest rate and payment amount in the documents are reflected in mortgage payment statements and payments made by myself. It indicates it is a XXXX XXXX pool, A liability to chase manhatten bank for XXXX and other areas of false documentation. In XXXX I defaulted due to loss of job, I applied for the home affordable, after 6 months of getting the run around I was denied. I struggled along making partial payments, lump sum payments at their demand, I applied again and In XXXX, this loan modificationwent smoothly, the modification has a stated " new '' principal amount of XXXX. My last payment was made in XXXX XXXX the balance is around XXXX. The loan modification agreement is not very detailed. Somewhere I believe it states it is the first lienholder, again I question if the heloc was taken care of. The foreclosing papers state jpmorgan specialty bank as beneficiary. After XXXX refi bank statements said chase home finance, then chase mortgage then jpm chase bank changing at random. XXXX lists has XXXX listings, XXXX and XXXX-XXXX and jpm chase XXXX. I never made any payments to these entities in those years. I am unclear as to the happenings in sale, apparently it went back to the bank on sale date XXXX XXXX and then sold XXXX XXXX to us bank trust na, XXXX. Dates here to conflict. I believe sale postponements and other actions taken were attempt to get me to walk away from my home so abandonment could be claimed, or time needed to establish another scheme. I still do not know what or which bank actually existed when, what got paid who got paid. It is obvious that Chase never did have a proper or legal title, faked a loan which I can prove, is in collaboration somehow with successors and assigns | ||||||
| 05/21/2021 | Yes |
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| JPMorgan Chase ( Chase ) established a blind escrow shortage, prior to an in house modification that also carried an escrow shortage that was to be spread over a five year period. The in house modification was offered XX/XX/XXXX and signed by me XX/XX/XXXX, although my taxes and insurance was not delinquent. Chase never provided me a settlement letter, or a letter of itemization after the finalization of the in house modification. After being in receipt of the signed in house modification, Chase sent me a collateral modification, XX/XX/XXXX, which also carried an shortage of escrow, along with signature that appeared to be mine, but that I had not signed. Chase enacted the collateral modification by disbursing the in house modification payments of {$1800.00} into a suspense account and kept in continuum an escrow shortage. Chase additionally had not provided me a breakdown settlement letter or any correspondence indicating the terms of disbursement of principal and interest or property and home insurance taxes. I am only in receipt of the modification ( s ). Although Chase advanced to the in house modification escrow funds in the amount of {$3800.00} plus dollars, they failed to have performed an escrow analysis before seeking repayment of the escrow shortage associated with the in house modification deficiency of {$980.00}, after my request of pay this amount in full, they refused. The in house modification includes verbiage that the deficient escrow would be disbursed over a five year period. In XXXX of XXXX, after being in receipt of the collateral modification with the attached forged signature, that was dated, signed and notarized on the same date as the in house modification that of XX/XX/XXXX, that had been signed by me. It was perplexing to me, when my alleged signature dated XX/XX/XXXX, had already been attached to a collateral modification that I had just received XX/XX/XXXX, with the same first payment date of XX/XX/XXXX, without providing me the full 60 day delay payment as referenced to modifications? The delay payment date should have been XX/XX/XXXX, but this wasn't the case? Such action by Chase appears to be illegal and as far as the forging of my signature a police report was filed and was previously sent to Chase. After many requests to have the escrow corrected, Chase failed to have done any extensive investigation into these matters and failed to have adjusted escrow over a 9 year period to date. Sometime XX/XX/XXXX, I received an award letter from Hardest Hit Funds ( Keep Your Home Ca. ) and at no time had Chase contacted me by any correspondence or phone call, that they had been in receipt of these funds of {$100000.00} dollars. After my inquiry to them, I began to get many phone calls from Chase about re-casting of my mortgage. I was never informed or made aware what this process was or how it was to affect my mortgage. At any rate, I was not in possession of any correspondence about the disbursement of how these funds were to be allocated or why these funds had not been allocated to an escrow shortage or if the full amount of {$100000.00} had be properly applied to principal and interest, because to date, Chase has not provided me any documentation re : their receipt of these funds? I don't know under what financial criteria that Chase applied only {$87000.00} dollars from the Hardest Hit Funds to principal and interest therefore unaccountable of {$13000.00} that was not applied to an alleged escrow shortage? Additionally, although I am in receipt of a forgiveness letter from Chase re : Settlement Offer of Home Equity Loan in the amount of XXXX, I am not sure, if Chase has deleted this amount from the end of my home Loan balance. Maybe they did, but it has never shown on any statement of ledger. Ms. XXXX XXXX | ||||||
| 08/05/2021 | Yes |
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| My problem is with the way chase has handled my fraud claim. I filed a claim on XXXX XXXX when I noticed several unauthorized charges that were made to my account. I immediately contacted chase to report the unauthorized charges. I was told by the Chase claims department that the charges were coming from a bank in XXXX.All of the suspected charges were similar because non of them made any sense. For example XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX My account was bombarded with all of these unexplained charges from some bank in XXXX. I told them that I did not purchase anything from XXXX nor did I authorize any purchases from these merchants ... The majority of these charges came late XXXX and all XXXX and 2 days in XXXX. Chase told me that they were going to investigate the charges and that I might be contacted by a claims specialist if they needed additional information. Once my claim was filed I attempted to through all of my monthly statements when I realized that my monthly statements that use to come in the mail stopped coming in XXXX of XXXX and were only available to me through online banking. I am not sure how that happened since I have always preferred paper statements rather than online. Non of my other accounts are set up for online banking so I don't think I would agree to stop my paper statements. After combing through my statements I identified unauthorized charges dating back to XX/XX/XXXX. The XXXX and XXXX unauthorized charges were for much smaller amounts ( 20 here and there ) and did not significantly impact my account so I never even suspected that my account was being charged without my knowledge. I was unable to directly contact any of the Merchants because they did not offer a phone number, mailing address or E-mail address. After a 10 day investigation, the bank decided that fraud did not occur on my account. they claimed that the IP address was within my area therefore it was with my knowledge. What does within my area mean? the bank to me that the I.p. address used was within a 33-mile radius of my home. Okay ... what does that mean? I still did not make the charges on my account. the charges are still unauthorized. Then the bank tells me that the first fraudulent use of my card was more than 60 days from my claim. So when I argue that the initial charges were small and spaced out and did not create a drastic change in my account. So I never suspected a problem with my account until large amounts of money was missing from my account. My account has clearly been compromised and I find it odd that my bank is pointing the finger at me. What services or product was received with the money taken from my account? The Bank has locked me out of my account and taken over XXXX and has offered me absolutely no relief in resolving the unauthorized charges to my account ... When I asked to appeal their decision I was told no and repeatedly hung up on after waiting for hours on hold.. I felt like the bank 's was trying to prevent me from my right to appeal. If they deny my claim I think I have a right to know why. If there are 10 reasons why I was denied then tell me all 10. If I have the right to appeal their decision then allow me to do that without harassing me and making me wait forever on hold and hanging up on me. I have been a customer of theirs for about 7 years. I have paid all of my fees, overdraft fees, returned fees etc. and even returned XXXX dollars that were dispensed to me in error at the ATM ... I thought I had a good relationship with my bank. | ||||||
| 12/30/2017 | Yes |
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| I had booked a return flight from XXXX-XXXX through chase XXXX rewards for XXXX XXXX XXXX XXXX XXXX. In XXXX there was a delay in getting my XXXX XXXX so I had postponed my travel from XXXX XXXX XXXX to XXXX XXXX XXXX for which I was charged {$220.00} ( CREDIT CARD - XXXX XXXX attached ). Then as my visa issue persisted I called up ultimate rewards and informed them that I wont be able to travel on XXXX XXXX so please cancel my ticket, since mine was a non refundable ticket ultimate rewards informed me that the ticket can not be canceled but can be kept as open ticket for which airlines would give me credit. Which meant that whenever i was ready to travel i would need to need pay the {$220.00} airlines penalty for flight change and any difference of fare existing on that day of my flight. All this was done over phone so company would have record of my conversation.So my ticket was kept as open. On XXXX XXXX i called ultimate rewards again informing them to rebook me on XXXX XXXX flight from XXXX to XXXX which leaves XXXX at XXXX on XXXX XXXX and reaches XXXX on XXXX XXXX at XXXX am with a stopover in XXXX XXXX. I was informed that I have been rebooked and they sent me tickets for that day ( XXXX - Chase XXXX Rewards Travel Confirmation attached ). They charged me {$230.00}. However on my travel date of XXXX XXXX XXXX when i went to the airlines counter at XXXX for my XXXX flight, they told me that ticket # has not been issued and I needed to contact the travel company who booked the ticket to get the ticket #. I called ultimate rewards and they put me on hold for more than 40 mins saying they will issue the ticket which they never did. They would give ticket # of the travel that I had already completed from XXXX to del which was on XXXX XXXX All this lasted close to 2 hours with multiple calls to Ultimate rewards but I was not issued ticket #. I kept checking with airlines staff if they got the ticket # which they never received. The airlines closed the counter at 8pm and didnt issue me a boarding pass as there was no ticket #. Airlines has also mentioned in the daily log the reason they did not allow me to board the flight. It has been clearly mentioned the reason on their logbook. So I was left with no reason but to book a one way flight for myself on the next XXXX flight from XXXX as I needed to get to my family asap. The one way ticket cost me {$750.00} ( Electronic ticket receipt, XXXX XXXX for XXXX XXXX XXXX ). My next flight was delayed due to fog and I missed my connecting flight as well due to fog so I was forced to wait at the Transit airport for 16 hours just because XXXX rewards did not issue me a ticket #. My original flight took off on time and reached XXXX XXXX on time but the one way ticket that I was forced to buy that flight got delayed and I was forced to wait at transit airport for significant amount of time. This whole thing has financially impacted me and has greatly inconvenienced me. For no reason I had to book one way flight ticket and pay so much money because ultimate rewards did not do its work properly. When i called them to dispute this transaction ( {$230.00} ), as I was charged money for services which I never received they are not willing to listen and told me that this transaction is valid and ticket # was issued on time and I need to pay the charges. If the ticket # was issued on time why would I need to buy a one way ticket for travel by paying {$750.00}. This logic is beyond comprehension. I have used the same chase card for all my transactions so that they would see that all charges can be seen. All calls to their customer service dept would have record of my interactions with them I have been through this ordeal of flights missed and staying at transit airport for 16 hours for no fault of mine. | ||||||
| 04/08/2016 | Yes |
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| I logged into my Chase bank accounts at approximately XXXX XXXX on Friday XXXX XXXX. When I looked at the activity on my money market account, I discovered there was an outbound wire transfer in the amount of {$9300.00} that I did n't create. I immediately notified my bank of the fraudulent activity, and was pretty confident that since I discovered it so quickly there should n't be a problem recovering the funds. Three weeks later, my bank is telling me they 're still investigating it. I 've been in contact with my bank ( Chase ) in person, and via email and telephone regularly since this occurred. On XXXX XXXX, I specifically asked ( via email ) if I should file a police report, and never received a reply. Today, XXXX XXXX, during a telephone conversation I asked again " should I file a police report '', and the response was " Yes, I probably would have already done that ''. During a meeting with XXXX XXXX at Chase bank in XXXX XXXX XXXX XXXX, WA XXXX on XXXX/XXXX/16, he called and talked to the Chase fraud department. Regarding the wire transfer in question, he was told that they sent a confirmation email to XXXXXXXXXXXX, which is not, and never has been my email address. My email address is XXXXXXXXXXXX. They also sent a confirmation for approval to the phone number on file with them ( XXXX ), which is the correct cell phone number. Whoever authorized the transaction did so by receiving/intercepting the text that should have come to me. I was able to confirm from XXXX wireless that my phone had been spoofed, and they set up a call forward from my cell phone. The forward was generated on XXXX/XXXX/16, at XXXX central time, per confirmation from XXXX XXXX The fraudulent wire transfer occurred on XXXX/XXXX/16, at XXXX XXXX, per XXXX XXXX XXXX Chase. The number that my phone was being transferred to was XXXX. On XXXX/XXXX/16 I was expecting a call back from Chase bank to further discuss my claim. When I had n't received a phone call by XXXX/XXXX/16, I called and asked if he had any good news for me. He then asked if I received the voice mail he left me the previous day. I told him no, I do n't have any voicemail messages, and I do n't have any missed calls. After getting off the phone with him, I called my cell phone from my office land line, and got a generic answering machine message. That was when I discovered that my phone had been forwarded, because I have a recorded message in my voice for incoming voicemail messages. I immediately removed the forwarding function at that point. During my initial meeting with XXXX XXXX at Chase, he was given the XXXX address that the wire transfer was generated from of XXXX, which shows up at a XXXX. We have several XXXX addresses that we use at my business, and that is n't XXXX of them. I have only been given limited information from XXXX, and mostly things they were able to tell me over the phone. They said that more detailed information as far as documents and records can only be released with a court subpoena. Below is a copy of my account activity showing the fraudulent wire transfer. To the best of my knowledge, Chase never attempted to contact XXXX XXXX XXXX about this transfer or the account it was transferred to, but I do n't know for sure. They were not at all forthcoming with information. At this point, they have denied my claim, and I feel like they have n't even tried to resolve the issue. The only people I 've dealt with are XXXX XXXX, and his Branch manager, XXXX XXXX. Chase denied our claim once, but XXXX escalated it, and had it reopened. Only to be denied again, and I do n't know on what grounds it was denied. The original denial letter stated, " We 've determined that you have received the benefit of the funds in question ''. It 's like they paid no attention to the facts of the claim. | ||||||
| 06/21/2022 | Yes |
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| On XX/XX/XXXX I attempted to deposit a check using the Chase banking app. The Check for {$1300.00} was uploaded with no issues. The check was from a class action discrimination lawsuit administered by the government entity the Department of Labor. I had approximately {$1500.00} combined in my checking and savings prior to the check deposit. I was alerted to a problem when a normal routine transaction was declined. I contacted Chase via customer service and got in touch with someone in the fraud department. The female rep stated the image of the check was slightly blurred. She contacted the DOL and verified my information and the check was in fact valid. I offered to attempt to deposit it again or go into the local branch. After several calls and hours on the phone I visited the local XXXX XXXX branch. The visit and subsequent returns amounted to over 4 hours. After all these visits they admitted they were investigating my account for fraud and essentially closed all my accounts. This was my primary account used for my household and work duties. I have never attempted to defraud anyone including Chase. After several hours and days trying to get a fair resolution from this they informed me the process to close my account was initiated on XX/XX/XXXX. They did not give me a rational or means to appeal this resolution and the only option was to wait 10 business days for them to close my account. It would be an additional 10 business days to mail me a check. There is another subsequent hold on 3rd party checks from my banking institution. In summary, the initial check was in fact valid and they restricted access to all my funds arbitrarily. The only reason I can rationalize them doing this is because prior to obtaining my real ID my driver license showed XXXX XXXX. I have gone by this name all my life and actually had a SSN showing XXXX XXXX. I had to change this XXXX because my birth certificate from XXXX stated XXXX XXXX XXXX. The check stated XXXX XXXX. The Chase account stated my name as XXXX XXXX. My drivers license states XXXX XXXX XXXX. I have deposited various checks with both names for close to 2 years successfully. This poor judgement and decision to arbitrarily close my account has caused me a great inconvenience. Chase has restricted access to all of my funds including a recent direct deposit {$2400.00} has been put on hold indefinitely. In total, {$4600.00} has been deemed inaccessible. These funds are used to provide for my household in which I am a sole earner. These funds are used to buy lunches for doctors as I am Medical Sales Representative. I drive extensively so with current gas prices this has severely restricted my ability to work. I have resorted to calling out sick as much as I could from limitedly from home. My job requires visiting 10-12 clinics a day. I was unable to do so. I also help my mother on an bi-weekly basis delivering lunch as she is bed ridden. I have not been able to do so. I have resorted to eating ramen, something I have not done since college. I have missed bills including but not limited to my rent {$1300.00}. I have received a pay or quit notice stating my property manager XXXX XXXX may in fact evict me. I have essentially maxed out my line of credit of {$600.00} and now I have to wait an unjustifiable amount of time to get the money that I am lawfully entitled to. I believe this business entity JP Morgan Chase should be held accountable for their actions. The arbitrary withholding of funds both prior to and after the deposit could have been fatal. If someone was medically fragile not having resources that they are entitled to could have resulted in a medical emergency. I travel on a daily basis. If I was stranded and unable to get funds from other means this could also become a dangerous situation. | ||||||
| 06/08/2022 | Yes |
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| I created a business checking and savings account ( via online ) with Chase back in XX/XX/XXXX while I was stationed at XXXX XXXX XXXX, MO. I was in XXXX XXXX XXXX, MO for XXXX XXXX When I created my business account with my social security number ( intended for a sole proprietorship print-on-demand online clothing store ), Chase requested me to visit a local branch to show two forms of identification. However, there are no local Chase banks in XXXX XXXX XXXX and due to XXXX, I was restricted from traveling outside of our base to go visit a Chase bank in XXXX XXXX or XXXX, MO. I was also in the middle of XXXX XXXX which is another reason why I couldn't leave post. Needless to say, I couldn't provide the two forms of identification and Chase closed both of my business checking and savings account. I didn't really pursue my print-on-demand clothing business so I didn't need Chase business accounts anymore and didn't think much of it. Fast forward to now in XX/XX/XXXX, I tried to open another Chase business account. I am still in the XXXX but have got my XXXX XXXX XXXX and am doing XXXX XXXX XXXX business on the side. I would like to create a Chase business account ( through my social security under sole proprietorship ) but the previous business account ( refer to the paragraph above ) is preventing me from opening a new business account. Apparently, because I could not provide two forms of ID ( even though I legitimately could not due to no Chase branch offices near me and me doing XXXX XXXX at the time ), Chase has decided to follow through with a bank initiated closure. This unfair and un-based bank initiated closure is preventing me from opening an account with Chase. I have since visited a Chase branch here in XXXX, TX ( I'm currently stationed in XXXX XXXX, TX ) and the branch office here has told me it is impossible to revert the bank initiated closure. However, I filed a complaint with their banker and have received contact from ( I believe ) corporate. Chase Corporate referred me to the fraud department, who then said that if I could provide two forms of ID, the Chase branch could help me resolve/reverse my previous " fraud '' incident. The branch has been unhelpful and I'm getting multiple mixed messages from corporate and the branch office. Corporate is saying as long as I can provide two forms of ID and link myself to the business ( which the bank can help me do by filing a change of signature document? ), they can revert the bank initiated closure decision. The branch office in XXXX is saying that there's nothing they can do further in helping me because apparently when they call the fraud department, the fraud department is telling the branch office that there's nothing that can be done to remedy the situation. In my opinion, I believe when the branch in XXXX calls the fraud department, everyone sees " bank initiated closure '' and just says the same thing of they can't help me further instead of digging a little deeper and finding out what can be done to remedy the situation. I'm extremely frustrated by the constant back and forth between corporate and branch office. I simply want to open a Chase business account ( for real estate ). I was/am flagged for " fraud '' in which I had no control over. I believe Chase is being incredibly inflexible especially due to the fact that 1. there were no Chase branch offices to visit with two forms of identification in XXXX XXXX XXXX XXXX MO and 2. it was during COVID where my military commander restricted our movement and I was not allowed to travel outside to visit a Chase branch and 3. I was in the middle of XXXX XXXX that prevented me from going outside of post anyways. Thank you for your time in this matter and I hope you can help me resolve this issue soon. Thank you again! | ||||||
| 09/29/2020 | Yes |
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Web | Servicemember |
| Chase has completely misled me regarding financial assistance programs and payments regarding that program. I fell behind on my credit card payments in early XXXX while searching for work after the birth of my son and my account was closed as a result. When I was financially stable, I contacted Chase to provide me with a program that would allow me to bring my account current and make monthly payments. This was XXXX of XXXX. I was informed by a Chase representative that I would make a {$400.00} payment to bring my account current and then I can make a monthly payment of {$110.00} until the balance was completely paid in full. I distinctly asked if I would be able to make this payment until my balance was paid off and the answer was yes. I was also informed that the $ 110 monthly payment was more than the monthly amount due, so I would actually be able to pay off the balance faster. Automatic draft payments were set up from my bank account on XX/XX/XXXX to ensure I would never miss a payment. However, in XX/XX/XXXX, my credit score decreased by 31 points on XXXX and 21 points on XXXX and XXXX due to being behind payments over 30 days. Even though for a year every {$110.00} payment successfully came from my bank account, never late. I was completely baffled, so I contacted Chase. I was informed by XXXX ( an Account Supervisor ) that the I was not on a fixed monthly payment assistance program as I was told Im XX/XX/XXXX, but the program was just to bring my account current. Once I made the {$400.00} payment, Chase was at will to utilize a variable interest rate to change my monthly payment from that point on. I was protected from this variable interest rate until XX/XX/XXXX because I was under a promotion that allowed me to pay 0 % APR. Once that expired, I had a near 25 % rate and increasing the minimum monthly payment to over {$110.00}. Since I overpaid the minimum due for about 6 months, it wasnt until XXXX that I was shorting my monthly payments. This would not have been an issue if Chase had simply contacted me to let me know the changes on my account. However, I was not informed of ANYTHING. Chase has my email, phone, and address, but I received 0 attempts at contact. XXXX at Chase said that she sees MULTIPLE statements were being returned back to Chase undelivered ( proving I had not received the information ) and that the phone number ( that I had for over 10 years ) was deemed disconnected after ONE attempt to call me in XXXX of XXXX. Additionally, no emails were sent to notify me of my account because it was a closed account ; however, Chase continued to send me promotional emails. I explained my issues with the lack of communication and the misleading of the assistance programs and XXXX issued an investigation. The investigation returned results that were not in my favor because Chase had effectively tried to reach out to me regardless of it being clear that they NEVER spoke to me regarding the changes in my account. It is clear that I had no issues making payments because they were being paid on time for an entire year. I would have gladly made adjustment to my automatic payments had I known that the rate had changed. I am now on a new assistance program ; however, my credit still reflects a lowered credit score after Chases poor service to contact me regarding my payment changes on my account. I have even disputed with each credit reporting agency and nothing has changed because their records show that on XX/XX/XXXX I am {$28.00} past due. My issue is that a Chase representative told me that I can make $ 110 monthly payments until my balance was paid off, set up automatic payments, and then Chase NEVER informed me of the changes on my account, which was the reason I fell behind and caused a 21-31 point decrease in my credit score. | ||||||
| 02/08/2020 | Yes |
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| I presented a check on XX/XX/2020 for {$26000.00} at Chase Bank, XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. The person who wrote the check had previously confirmed the funds had cleared and were available in her account before she wrote the check. I stated during the first few seconds of speaking with the teller that I wanted to purchase a cashiers check for that amount, not cash. The check was dated XX/XX/XXXX, the day before. I presented my Texas Drivers license, which is a government issued picture ID. Again, I told the teller I did not want cash, that I wanted a cashiers check and would be happy to pay the fee. I also said You are welcome to call the account holder and get a confirmation that the check is valid. She is waiting for your call. She asked me if I had an account at their bank. I said I did not. Then she brought another teller and the other teller said they would not cash the check. I asked if the check was valid, and if my ID was valid. The teller confirmed that the check was their own check, the check was valid, and my ID was valid. I asked why she refused to cash it and she said The amount is too large we dont have that much cash. I said I already told you that I do not want cash, I asked for a cashiers check. She said It still comes from cash and we dont do that large a transaction. Youll have to deposit it into your own bank. I said I am presenting one of your own checks in a proper way. It's a valid check with valid ID. She again said they would not cash the check, that I must leave and deposit the check into my own account at another bank. She refused again and I had to leave. In summary : The funds were available. I had proper valid identification. This check was not a third party check. This check was current, only a day old. It was not damaged. I told her I was willing to pay a fee for getting a cashiers check. I mentioned that she could get verbal confirmation from the account holder. The teller could have honored the check, as everything was proper. She simply chose not to. The teller was dishonest about the reason for not cashing the check. The official reason she stated was clearly untrue- She stated the cash was not available. Then when I pointed out I did not want any cash, she said it did not matter. Clearly the bank had a different reason for not cashing the check than what the teller said, because they do not need cash available to write a cashiers check. This was a case where the bank was presented with a valid check, and refused to honor their own check, even though it was a valid check, valid ID, and they could get voice confirmation from the account owner that the check was real. What is significant is that when I asked, the teller said We dont have that much cash available. When I reminded her I did not want cash, she said It still comes from cash and we dont do that large a transaction. Youll have to deposit it into your own bank. A bank should be required to honor their own check when it is presented in a proper way, with funds available, and with valid ID. I am sure that if the bank records were checked, it would show that other people have successfully presented a check of this amount or larger, and that it was honored, instead of the person being turned away. I am sure this bank does cash checks for others when the check is valid, and they have valid ID. But with me they chose not to. They chose to treat me differently. I understand that when a check is deposited into an account at that bank, the bank can use the money I dont immediately spend, so banks prefer to deposit the funds into their own bank. But the reason for refusing to honor their own check does not matter. This bank has discriminated specifically against me, embarrassed me, and caused other problems. | ||||||
| 12/12/2016 | Yes |
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Web | Servicemember |
| In early XXXX 2016 I submitted my request for short sale consideration. My representative at the time was " XXXX XXXX ''. There are quotations around the name because I do not know if this is a real person or a name that is placed on these documents. Every time I have called throughout the initial phase of this process I have never been able to make contact with " XXXX ''. On XXXX XXXX, 2016, I received documentation from chase requesting additional information for my short sale request. The letter acknowledged receipt of the purchase agreement from my real estate representative. The letter identified that I needed to call regarding the documents I faxed over for short sale consideration. I called repeated times and could never get a hold of " XXXX XXXX ''. On XXXX XXXX, 2016 I received confirmation that my short sale confirmation was completed and approved. In the documentation it asked for me to choose a real estate agent. List our home at fair market value, complete a form and send with listing agreement. All of this was sent well before this date. I did not know why I was getting this document only to think that the documents I had previously sent were lost or destroyed. On XXXX XXXX, 2016 I received documents stating that my documents were being reviewed to see if I was eligible for a short sale ; contradictory to the letter I received on XXXX XXXX, 2016. This letter requested a copy of the seller 's financial documents and related documents, signed listing agreement ( already provided on or before XXXX XXXX 2016 ), copy of purchase/sales contract ( already provided on or before XXXX XXXX 2016 ), a XXXX settlement statement, and information about real estate commissions. Due to my repeated attempt to contact " XXXX XXXX '' with negative results I finally typed a letter and faxed it to XXXX and sent it via XXXX Mail. I never heard form " XXXX XXXX '' after these attempts. On XXXX XXXX, 2016 I faxed another letter asking " XXXX XXXX '' to contact me. The fax was sent to XXXX using the Chase fax cover sheet. On XXXX XXXX, 2016 I received paperwork offering me to participate in the short sale program. Was I not in the short sale program already? I was approved for it XXXX XXXX, 2016. I called and was not able to contact " XXXX XXXX '' and was told by another representative in the short sale department that my new representative was " XXXX XXXX ''. I was not able to contact " XXXX ''. The representative stated that my real estate agent needed to provide a copy of the sales contract, XXXX, XXXX Listing, and a buyer pre-approval letter. I told the representative that most of those documents had already been provided over a month before. He had no answer for me and recommended I contact " XXXX '' who has my file. I requested to leave a message for " XXXX '' on his voice mailbox, but apparently that does not exist in this department. The representative stated he would send a direct message to " XXXX '' to have him call me. " XXXX '' never called. On XXXX XXXX, 2016 I received another letter stating they recently received my request to review my eligibility for a short sale. ( This was approved on XXXX XXXX, why am I receiving this now? Did they lose my paperwork? ) On XXXX XXXX, 2016 I received paperwork stating they are reviewing my eligibility for a short sale but they need more information. Chase needed a copy of the purchase/sales contract, real estate commission information, and XXXX document. All this information was provided in XXXX. Once again inconsistent information was being requested. I called on XXXX XXXX 2016 and was told by XXXX XXXX that XXXX XXXX my new service representative. She also stated that information was sent via the " XXXX '' system to my real estate agent asking for a pre-approval letter, XXXX, proof of funds. | ||||||
| 09/19/2022 | Yes |
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| On XX/XX/XXXX, I noticed that there were two transactions taken from my XXXX XXXX XXXX checking account by XXXX. I immediately interrogated my son about these transactions and he was not aware of them. One was for {$5.00} and one for {$190.00} to someone named XXXX at XXXX. I immediately notified Chase Bank 's Fraud department about this. In this entire process, I have only received one notification from Chase about the provisional credit that they gave us while they investigated. I noticed on XX/XX/XXXX they reversed the provisional credit. I went into a branch in XXXX XXXX, MI to inquire about this only to be told that it was denied due to face recognition. During this branch visit, the branch representative had asked me to leave his cubicle to question my XXXX XXXX XXXX son. I left the bank and called Chase XXXXs fraud department again and spoke with a supervisor who pretty much told me there was nothing else they could do and that I would have to call XXXX since it was the device used. I called XXXX but there was nothing they could do unless this took place using XXXX XXXX. I even tried XXXX but they told me that because it was not done directly through the XXXX app that I would have to go to the bank. I tried the Chase fraud department again and got someone that gave me more information into the details and timeline of the two transactions. She said that I could resubmit my claim if I could provide biometrics from XXXX to back up the timeline. XXXX said they do not keep the biometrics for face recognition but analytics could be pulled but then Chase would need to have someone that could read coding. I instead pulled data records from XXXX since Chase said that was the recognized device. At the time of the two transactions, there is no data used, which would have been the case if he was using the Chase app. I also noticed that there was a number that sent a text at the same time Chase stated that the withdrawals occurred ( XXXX ) XXXX and I called it and it came up as a XXXX number. I have XXXX the number and people have said that it is a number stating Chase Bank. I also provided them with my son 's device ID, which did not match the device ID that they claimed was used. I went to the branch I had originally opened the account last year and XXXX at the branch assisted me. I explained the situation to him and he was very helpful and said that he would submit the documentation to the fraud department and set up a call on Saturday to verify that the documents were received. On Saturday, XXXX hosted the call with the fraud department and the fraud department said that they had not received the documentation and stated that there must be a glitch in their system. XXXX submitted them again and followed up with me on Wednesday, XX/XX/XXXX and confirmed that the fraud department received them. I called the Fraud department on Thursday, XX/XX/XXXX to follow up with the claim and I was told that they rejected the claim again as there is no evidence that this was fraud. I am extremely upset by this. On XX/XX/XXXX, I submitted more documentation of my sons text log from his phone, which contained this XXXX number ( XXXX ) XXXX as only received and my son did not respond to it. I called on XXXX to make sure they received the documentation and they did and they once again denied the claim. I personally have over 20 years in banking and have handle these types of situations before and the way that these unauthorized withdrawals from XXXX XXXX XXXX XXXX XXXX account took place are the typical actions that occur when it is fraud. It is very disturbing that anyone can steal your money at any given time and your identity. The fact that I have not received, in writing, of the denial of both claims appears to me that Chase is in violation of Regulation E. | ||||||
| 02/24/2020 | Yes |
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| On XX/XX/XXXX I issued an online bill payment for {$1400.00} through my Chase bank account to my mortgage company. I have done so successfully for over 24 monthly payments, and never been late, so there was not a problem with my data entry or anything within my control that could have been done differently. The payment had a guaranteed delivery date of XX/XX/XXXX. The bill payment amount was pulled from my account on XX/XX/XXXX by Chase Bank. The payment was issued by check and the payee never received the XXXX payment and considered my mortgage late as of XX/XX/XXXX. Because I have scheduled automatic payments for this account, my mortgage payment funds of the same amount for XX/XX/XXXX, went out of my Chase account on XX/XX/XXXX with a guaranteed delivery date of XX/XX/XXXX and was deposited by the payee on XX/XX/XXXX. My mortgage company applied the XXXX payment to my XXXX and reflected XXXX as still due. On XX/XX/XXXX I received a notice in the mail from my mortgage company stating that they told credit bureau reporting agencies about a missed payment. This was the first indication that there was a problem regarding my mortgage. I reviewed my mortgage account online and I immediately provided proof of payment for the XXXX payment in question to dispute late fees and credit reporting errors. Chase denied responsibility for late fees and the payment failure. I was told by Chase that I would have to stop payment to get the money back to my account. I was told that it would take 2-5 business days and several days later I was notified it could take another 5 days. I was livid and threatened legal action. The funds were returned XX/XX/XXXX. I had explained that this is a real hardship to have to wait any additional time because I had already made a replacement payment over the phone to my mortgage company on XX/XX/XXXX to bring my account in to good standing and avoid additional late fees. I also have yet another mortgage payment to issue for XXXX very soon. I asked Chase Bank why there is no notification of my payment not going through and they replied they simply don't do that. I asked why it's not on my bank statement that payments are outstanding and they replied that they don't do that either. I asked where my money actually was since they took it out my account on XX/XX/XXXX. There was no response to that question. I was able to confirm that Chase moves the funds to a corporate account that the bill payment check would draw against when deposited/cashed. Why do they do this and remove the visual cue that a payment is outstanding/check hasn't cleared from their customers view?? I asked what would happen if the Payee never cashed/deposited the check. I was told that they would return the funds after 90 days. I am skeptical and I consider this to be a very misleading practice as a whole. In review of my credit report, I see that Chase Bank 's mortgage lending division reviewed my credit report information 5 times over the past 10 months. For them to hold that permission -- which I can not find anywhere in the hundred + pages of legal disclosures of my accounts and on-line banking and services, to review my credit report on an on-going basis and at the same time not be obligated to not notify me of items not cleared, is just plain wrong. My complaint is with Chase Bank for what I see as failure to make the payment for my mortgage and the subsequent delinquency of my account standing. I want to know exactly what Chase did with my money between XX/XX/XXXX and XX/XX/XXXX when I finally got it back. I would like to know how much was earned on said funds connected to my bill payment that " failed '', while creating hardship for my payee, damaging my credit and my spouse 's, and creating red tape to deal with for days, months on end to remedy it. | ||||||
| 09/17/2018 | Yes |
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| JP Morgan Chase Bank has maintained and controlled an illegal enterprise ( 18 U.S.C. 1962 ) that has in our case, culminated with the taking of our home by that bank, under circumstances of extortion, attempt to extort and conspiracy. ( 18 U.S.C. 1951 ) The associations in fact consists of private foreclosure facilitating concerns, private counsels, certain judicial members of Federal and State courts, and the Board of Directors of the Federal Deposit Insurance Corporation. The scheme was carried out through the recordings of documents as liens and encumbrances against our property, with the ulterior purpose to instill and maintain fear of economic harm associated with foreclosure. Then, when the extortion by threat of foreclosure did not work, the association instituted to completion, the foreclosure sale of our home. Complicity of certain judicial officers in the scheme goes back to the year XX/XX/XXXX. By Judgment shown to be void under 12 U.S.C. 1821 ( d ) ( 13 ) ( D ), Chase Bank managed to secure a Judgment declaring its right to payment of our mortgage notes, by litigation falsely identifying itself as the servicer and the Federal Deposit Insurance Corporation as the Note 's owner by virtue of receivership. A determination that under the just cited statute, could not have been adjudged by a Court. Fast forward to what has taken place over the past two years concerning this controversy. On or about XX/XX/XXXX, it was necessary for us to re-appear before the D.C. Circuit by Petition for an XXXX XXXX rehearing of our appeal. A close reading of the rehearing brief, places in context precisely how Chase Bank carried out the extortion scheme with the full complicity of the FDIC. The rehearing Petition demonstrates precisely how the concerned Federal Judge, carried out a conspiracy with members of the office of the United States Attorney, to obstruct the due adminstration of justice due, on behalf of ourselves, who had submitted and administrative complaint to the Federal Deposit Insurance Corporation. XXXX v. United States of America, XXXX Cir. XXXX. The FDIC is shown by the rehearing Petition to have made a conscious decision not to respond to our claims of conspiracy against the FDIC and associate JP Morgan Chase Bank. The rehearing Petition demonstrates also how the Federal District Judge made an Order that precluded our CIVIL RIGHT to court access to repudiate the FDIC 's failure to respond to our administrative claims. How the District Judge ultimately ratified by an Appeals Panel of the XXXX. Circuit, VIOLATED OUR CIVIL RIGHTS by court actions that covered and concealed the EVIDENCE of FDIC collusion with JP Morgan Chase Bank in the fraudulent taking of our home under guise of a legitimate foreclosure. The gravamen of our consumer claims continue to be against JP Morgan Chase Bank, and the taking of our home, under guise of a valid foreclosure. The Case just concluded but pending on our appeal, is simply the culmination of the association in fact enterprise and the carrying out of the Extortionate scheme, the result of which was the illegal foreclosure of our mortgage Note and the taking of our home. Finally, we have presented the claim to the CFPB several times in the past that was assigned at least three prior case numbers. Persons similarly situated are numbered in the thousands in States all over the United States. JP Morgan Chase Bank simply did not purchase Notes belonging to Washington Mutual Bank from the FDIC when the latter closed Washington Mutual Bank. Our case and the voluminous record made over the years, presents a virtual road map of the Chase Bank extortionate scheme. We can be contacted at XXXX. There is in fact a class action regarding this before the United States District Court in the XXXX district of New York. | ||||||
| 06/11/2015 | Yes |
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| Our mortgage was with Chase Bank, when we missed a payment they immediately sent out their foreclosure packet to us. I called their mortgage assistance line as soon as the packet arrived and tried to arrange for a forbearance or loan extension. We were having financial difficulties due to my wife sick with what we were calling her mystery illness and being unable to work. Our funds were stretched tight already and then my wife got XXXX on the way home from XXXX her doctors appointments. It was either pay our mortgage on time that month or pay the deductible to get our car fixed. And then two weeks later we paid our mortgage with our car payment money. And so on for several months. In XXXX, we had problems with our well and had to spend our mortgage money to fix the well. I tried to explain to the person from Chase that it was only a temporary problem and in XXXX we would get our tax return and would be able to get caught up financially and be able to resume regular payments. I was told that I would have to fill out the Request for Mortgage Assistance paperwork and would be told what my options were. So I filled out the application and sent in the documents they needed. At the time I was working 12 hour days as well as doing all the housework and taking care of my XXXX wife and XXXX year old child and therefore had a difficult time returning phone calls. When I did speak to the representative again I was told that underwriting had some questions, which I answered. And then a few weeks later, they needed updated documents. Which I sent by fax. Which they did n't receive. So I sent them by mail. And then I was assigned a new representative. And then they needed different updated documents. Which I sent. And then I got another new representative. And then we were denied assistance. And then I appealed. More documents. Another new representative. Updated documents. Another new representative. And then a decision : you can bring the mortgage up to date, voluntarily surrender the house, or Chase will foreclose. Foreclosure. Bankruptcy. Foreclosure sale date. Filed Better Business Bureau claim. Got a phone call from Chase Executive Office. They are going to need a week to review the file. The rep calls back and I missed it. So I call him back. And no answer, so I leave a message. And do n't hear anything for a week. Another missed call, another call back and another message. And another week goes by. So I call again and talk to some random person who knows nothing about my file. So I ask for a supervisor. After XXXX minutes of being on hold repeatedly they ask if I would like the direct line. I would. I call and leave a message. There is another supervisor 's number on the outgoing message. So I call that and speak to him. He sounds helpful. He will review my file and call back the next day. I missed the call. Forgot about my wife 's doctors appointment. I call back Monday, leave a message. I receive a mortgage statement in the mail. No due date. What is this? My bankruptcy was discharged. I call the number. No one can tell me what it is. So I ask for a supervisor and they transfer me. The new people do n't know why I was transferred to them. They ca n't help. Let us transfer you. These new people ca n't help either. Would you like to hold for supervisor? I hang up. Call Chase again today. Get the supervisor who said he could help. Only he does n't know anything about my file, you know, the one he was going to review. Have you heard from the other guy, you know, the guy who ca n't return a phone call. Because he and his supervisor know your file better. Can I set up a time for them to call? It is my opinion that Chase has a policy of delaying and purposeful ignorance so they can obey the letter of the mortgage assistance law but not the spirit. | ||||||
| 11/02/2016 | Yes |
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| On XXXX XXXX, 2016 XXXX Pacific time I contacted Chase Bank by phone to try and talk to someone in customer service about making a mortgage payment on the property at XXXX XXXX XXXX XXXX. I informed them of the death of my mother and that I was the executor of her will. At that time I was told that they could not discuss her account with me until I was authorized. They then informed me that they needed a copy of her death Certificate and the will stating I was the Executor and the quickest way for them to get them was to take the documents into one of their branches and have them faxed and that is what I did. The representative also told me it would take about 3 days to have them processed for me to be authorized. That same evening I took Documents over to Chase Bank at XXXX XXXX XXXX, XXXX Ca. XXXX ( XXXX ) XXXX where I gave documents to XXXX XXXX XXXX, Lead Teller for faxing to the office. Later that evening she called to confirm Fax was sent successfully. -- XXXX XXXX, XXXX Two weeks later I called and a Customer service representative said I still had not been authorized call in 3 more days. -- XXXX XXXX, 2016 I called into Customer Service again and got Representative XXXX XXXX who informed me that I still was not authorized so he still could not discuss the account with me even though he could see the documents have been added to the file on XXXX XXXX, 2016 but whatever he was looking at still did not have me authorized and he could not discuss the account with me. I then informed him that I wanted to at least make a payment when he at that time told me the least amount that they could take was {$1400.00}. At the time I was just prepared to make a regular mortgage payment of {$500.00}. -- XXXX XXXX, 2016. XXXX called in again spoke with Rep who informed me I still did not have Authorization and my documents were in another department for review and it would take another 7 days. I just wanted to at least make a payment and he told me he could n't tell me how much the payment was I informed I knew how much the payment was he still refused to allow me to make it. He then told me he would put in for an escalation on my Authorization and for me to call back on Monday which was XXXX XXXX and i new another payment would be missed. -- XXXX XXXX, 2016. XXXX Phoned Chase to get update on account and to again try and make payment representative stated that I was finally authorized but account was now in Active foreclosure as of XXXX XXXX, he needed to send me over to the Mortgage Assistance Dept. I was then connected to a XXXX XXXX who informed me now the least payment was up to {$2500.00} because of course another month had been added but now she stated since the property was in Active Foreclosure they could n't take anything. I shared with her my dissatisfaction with my treatment of chase through this process and she was of no help or assistance. I believe Chase purposely committed Mortgage Fraud and knowingly participated in " Unfair Business Practices in preventing me from making a payment on this loan and giving the requested Authorization to be added to this account so they could take my mothers property because of the equity in the property. I feel they took over a month to get me authorized on the account and refused to take a payment so they could have time to process their Foreclosure paperwork to take our property. The amount of times i was told to call back in 3 days this must have been their practice as every Rep i spoke with said the same thing with the exception of the XXXX on XXXX XXXX, who told me 7 more days and this is why i feel they were participating in " Unfair Business Practices '' by delaying me so they could complete their Active Foreclosure process. I have also filed a complaint with Chase 's Executive Offices XXXX | ||||||
| 05/30/2019 | Yes |
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| I checked my bank account and had an available balance of {$94.00} at approximately XXXX EST on XX/XX/2019. Upon checking my account this morning my account was over drafted with three insufficient fund fees being assessed. When I called to ask how was I assessed these fees on pending transactions, and why the order of the pending transactions continued to change daily, no one could provide an honest answer. I first spoke with XXXX located in a call center in the XXXX, she stated that the transactions that came through were delayed because of the past XXXX XXXX holiday. However, these transactions were made earlier in the previous week. Yet, a check that was just presented potentially on a non-business day, Sunday, or, on the following business day due to the holiday, which would be Tuesday, XX/XX/2019 had cleared within a day. Which has never happened. The checks that I have written in the past to the said entity of XXXX XXXX XXXX XXXX, as well as other checks presented have always taken a minimum 2-3 business days. Yet, this {$160.00} was taken and applied first after several transactions dating back to the previous week. I then asked to speak with a supervisor. I was transferred again to a Philippine call center and spoke with XXXX XXXX. She by her own admission stated that they have an ordering system for transactions and they can and will post items even at XXXX based on their own criteria. Again, I said that if Im being assessed fees for pending items, that I am not being allowed the opportunity to make a deposit or transfer funds into the account before XXXX of that business day which is marketed as a overdraft and debit protection. I called back a third time and spoke with XXXX in a XXXX based call center. She advised me that the bank has no control over when merchants submit ACH automatic debits and for credit purchases, the merchants have 180 days to do so. Again, this is not logical because for all debit purchases require the cardholder to enter their pin, which should equate to the funds being debited IMMEDIATELY. She by her own admission stated that the order sequence is from HIGHEST to SMALLEST transaction. I told her that these were all debit transactions that have been reordered and some were extremely aged from the previous week. I then asked to be transferred to a supervisor in a US based call center. At this time, I was transferred to XXXX. She advised that theyre ordering system starts with the HIGHEST amount transaction per category then to lowest and they can assess 3 insufficient fees per day. This proves that not only does Chase change the ordering system, it is likely they utilize a software program to do so. This is very deceptive in nature. And it greatly benefits Chase to be able to profit substantially in the amount of {$100.00} per account holder per day. This has and remains to be an ongoing issue with this institution in which several class action lawsuits have been brought against for such deceptive and unethical business and banking practices. Chase has simply attempted to find a method that appears to be legal and undetectable to gain profit. Even if doing so on pending transactions which is not only unethical but seemingly illegal. Chase continues to misrepresent their debit protection, overdraft protection, processing times, and processing order. Their processing order overdrafts the account on items that would have more than enough available funds to cover. However, Chase continues to change the order on days old transactions for the potential to have consumer overspend and be manipulated in what their balance truly is. And they have adopted such practices and implemented training to their employees domestically and internationally to deceive the unwitting and otherwise inattentive account holder. | ||||||
| 02/23/2016 | Yes |
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| From XXXX - XXXX XXXX I lived in XXXX, and had a checking account with Washington Mutual. In early XXXX XXXX I moved to XXXX. I closed my checking account with Washington Mutual before leaving town. Apparently, however, Washington Mutual did not also close my Overdraft Protection ( ODP ) Line of Credit ( LoC ). From XXXX XXXX - early XXXX XXXX I lived in XXXX and then moved to my current address in XXXX in XXXX XXXX XXXX. In XXXX XXXX, Washington Mutual collapsed in the largest bank collapse in American history ( at that time ). After being seized by the FDIC, Washington Mutual 's assets were sold to JPMorgan Chase in late XXXX XXXX. On XXXX XXXX XXXX, fully three plus years after I left XXXX, someone transferred a balance/charge of {$490.00} to the ODP LoC that was previously linked to my checking account. No description of this charge was provided to me by Chase other than what they recovered from the statement from XXXX of XXXX -- " XFR BALANCE FROM XXXX XXXX XXXX {$490.00} ''. The statement still listed my mailing address from XXXX ; I had been living in XXXX for over two and a half years by the time that statement was mailed to my previous XXXX address. From XXXX of XXXX until XXXX of XXXX, this ODP LoC accrued monthly matching " payments '' and deductions as well as financing and service fees, until the credit limit of {$2500.00} was breached for a final ( substantiated/documented to me XXXX balance of {$2500.00} for the statement closing on XXXX/XXXX/XXXX. These statements were sent to my previous address in XXXX this entire time. Needless to say, there were no actual payments from any bank account I controlled from XXXX to XXXX -- the " payments '' were from the credit line to itself. Beginning in XXXX XXXX, my " account '' ( ODP LoC ) with " Chase '' ( again, I had opened the account with WaMu in XXXX ) started registering as delinquent for credit reporting purposes until it was 180 days late by XXXX XXXX. In XXXX XXXX it went to a Charged Off status. At some point in late ( XXXX ) XXXX, Chase managed to figure out that I no longer lived in XXXX and began to contact me via mail and phone. I finally checked my credit reports and took unpleasant notice of the issue in early XXXX. From XXXX through XXXX of XXXX I challenged the delinquent account with XXXX and XXXX and also began calling and working with Chase Card Services ' Fraud Operations unit. After explaining the entire situation and providing proof via multiple sources of government documentation that I had not lived in XXXX since XXXX, Chase informed me that I was responsible for the entire amount ( again, {$490.00} plus interest and fees over five years ; sent to an address I had n't lived at since XXXX ) because " this account is linked to your valid Chase checking account ending in XXXX for overdraft protection. '' XXXX XXXX and XXXX XXXX were the " investigating '' agents. Even though they were quite obviously able to find my correct information and address when it was time to charge off this account, at no point in the intervening years did they attempt to see if my mailing address was incorrect. Moreover, this account was at a XXXX balance in XXXX XXXX when WaMu collapsed and the FDIC sold the accounts to Chase. In spite of my proof of residence in Virginia at the time, Chase adjudicated this claim internally by deciding that it was my burden to provide proof I closed the checking account in XXXX -- of course no one keeps records of checking accounts they closed nearly 10 years ago. I would also argue that it is in fact their burden of proof that the originating {$490.00} charge is legitimate. The fact that they waited over six years to affirmatively contact me also would argue that they have ceded right to this claim and should remove it from my record. | ||||||
| 04/23/2015 | Yes |
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Web | Older American |
| In XXXX of XXXX I made an offer to buy a house in XXXX, Maryland on a short sale. The offer was accepted in XXXX XXXX and was to go to closing in XXXX XXXX. On XXXX XXXX, water pipes in the unoccupied house froze and burst with considerable damage. The sale was put on hold. The seller filed an insurance claim and was awarded funds for repairs, which were deposited in the Insurance Claims Department of Chase Bank. I renewed my offer. About half of the insurance repair work was completed at that point. The reason the work progressed so slowly was that the contractor hired by the seller became difficult to contact and was dismissed after payment for the work completed. The remaining work was for mold remediation, floors and repair to the heating system. A total of {$14000.00} remained in the insurance claims benefit. At this point, my real estate agent informed me that it would be best to accept the remaining money rather than wait for the repairs to be completed because the house might be placed in foreclosure by Chase. With this understanding a new closing was set. When we were assured the sale would take place I contacted a new firm to do the work needed for the insurance repairs along with other rehabilitation work on the house. The seller and his agent contacted Chase Bank to add my name to the account for the insurance claims benefits and I was told the bank agreed to this arrangement. On the day of closing the seller and his agent assured me there would be no problems accessing the insurance claims benefits which would be payable to the seller or his assigns. We closed on XXXX XXXX, XXXX, and our contactor began work on XXXX XXXX, XXXX. Shortly after closing I applied to Chase Bank to change the name of the contractor and to begin the process of accessing the funds. I was asked to supply the following ; Declaration of Intent to RepairContractors Lien WaiverInternal Revenue Form XXXXCopy of a certified letter to the original contractor, returned as undeliverableNotarized Hold Harmless Agreement from the SellerCopy of Affidavit of " Arms Length Transaction '' All of these documents were faxed to XXXX XXXX in the Insurance Claims Department XXXX Chase Bank. From XXXX XXXX until now I have made numerous telephone calls to follow up on this matter. I was told by Chase it would be necessary for " Corporate '' to approve the change of contractors in order to access the funds. On XXXX XXXX, XXXX, I made the following series of telephone contacts with these results ; '' XXXX '' in the Insurance Office told me " Corporate says they will not release any funds until all proper documentation has been submitted. '' I asked to be forwarded to " Corporate. '' I was told to call XXXX. XXXX XXXX at that number said he was in the Checking Department. He told me to call XXXX. Whoever answered that number told me to call XXXX, where, XXXX XXXX told me to call XXXX Customer Service at XXXX. At this number, XXXX XXXX referred me to " XXXX '' in XXXX XXXX. '' XXXX '' informed me that " A VP wrote a letter saying the insurance money was not included in the short sale so Chase would keep the money. '' She said the letter was sent on XXXX XXXX ( a Sunday ) to an address in Arizona. '' XXXX '' then forwarded my call to XXXX XXXX in the Insurance Claims Department who told me she needed documentation that the insurance settlement was to be forwarded to me. Realizing that this is where the conversation started. I closed the phone call. I have e-mail and fax documentation to all the information above as well as the account number in which the insurance funds were deposited at Chase Bank. Based on those conversations, I conclude Chase does not intend to release the funds that are on deposit and instead Chase intends to appropriate the funds to themselves. | ||||||
| 12/11/2020 | Yes |
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Web | Servicemember |
| Chase and XXXX began calling me in late XXXX, around maybe XXXX, and advised I was behind on my credit card. I advised them that I wasnt working nor did I have a credit card. When I asked about the information in the file they refused to give me any details. They called multiple times a day and would scream, curse and talk down to me for not paying my debts and every time I told them the account is fraud, they refused to listen or attempt to help me fight it. The account was opened by my mother, which easily explained how someone got all of my information. According to the credit file, I worked for two years doing some kind of loan or bank work. I had only graduated high school in XXXX and went to college a couple months after out of state on a full ride scholarship for track. I ended up losing that scholarship because of it. The XXXX couldnt have that kind of negativity attached to them. {$30000.00} a year to attend XXXX XXXX University in Oklahoma. I tried to tell them that I could prove that these charges were not mine due to not even being in the same place when the transactions happened and they refused to hear me out. I often cried after their calls because they were so rude and aggressive. I didnt know anything about credit at that time. My dad told me this isnt the first time my mother had stolen my identity. The first time occurred when I was three years old. Luckily my dad was able to get rid of that for me. But then I found out that other than chase, theres a XXXX credit card thats open and delinquent as well. So now I have two companies calling me. Neither willing to help, transfer me to management or other representatives, and caused me to have financial hardship for more than 7 years due to the {$13000.00} in bad debt. I was homeless at one point, another I was making {$1500.00} every two weeks plus monthly bonuses and couldnt get an apartment in a low income community even though I was making decent money for a XXXX yr old. This continued all the way through my XXXX XXXX in XXXX. The only credit Id ever gotten was for my car in XXXX which came at a high interest rate and was only given due to knowing that the XXXX will make sure our debts are taken care of. Even at that time I was still being called and harassed by the card companies. Threatening to garnish my taxes or my checks in order to collect the debt. After being XXXX and XXXX XXXX from the XXXX, my credit score had only recovered from XXXX to XXXX or so. It was XXXX. It still is. That debts dragged me down my entire adult life and has stained my image long before I ever had a chance at life. Being verbally abused and harassed by those companies and going through hardship like that, made me want to die at times because it was so much and no one would help me. My mother ended up filing bankruptcy but never claimed the cards even then. Now here I am a XXXX veteran and I cant even use the housing loan Im entitled to secure housing because of my credit profile. Those credit cards got me rejected from being able to be recruited into the XXXX XXXX, despite my excellent testing scores. The only option I had was the XXXX, and even then I had to speak to someone about the extent of my debt to be able to get through to training. XXXX is something that veterans and veterans families because my father is retired military as well. Yet I cant get access to those benefits. Leading me to have to deal with outside companies who took advantage of that and high interest rates, high insurance rates, high deposits for housing, living with strangers because I couldnt get my own apartment and being homeless. This behavior is something no one deserved to have to deal with. My father and siblings were called in attempts to locate me as well. It destroyed my life before I ever had a chance. | ||||||
| 04/17/2015 | Yes |
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| This complaint was delayed due to a major car accident in XXXX XXXX. XXXX XXXX referenced is attached, XXXX docs, XX/XX/XXXX-XX/XX/XXXX to show the corruption of my loan. A full detailed complaint is also attached for clarification. On XXXX/XXXX/XXXX I purchased my XXXXacre horse property ; my loan- $ XXXX. In XX/XX/XXXX, my property= $ XXXX, at foreclosure in XX/XX/XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX pymt do-able. I got XXXX in XXXX. In summary, 6 year+ nightmare of unethical & questionable mortgage/servicing practices as a DIRECT result of Deutsche Bank National Trust 's MALICIOUS, FRAUDULENT & INTENTIONALLY DECEPTIVE primary role as TRUSTEE for WAMU Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX # XXXX. A formal, independent securitization audit was done on our Note & Deed of Trust. The Chain of Title Analysis shows in DETAIL Deutsche Bank 's blatant negligence that ultimately caused the ILLEGAL foreclosure on our family home. I had XXXX forbearance plans ( all pd in full ) ; my loan mods always denied after. XXXX of loan mod ; We sent endless credit reports, bank statements, insurance docs. It was mentally & physically exhausting ; we avg 20+ hrs/week following up, re-explaining our situation/lost bank paperwork. We had $ 600K+ equity in our home & were denied a line of credit. XXXX HAMP applications=DENIED. XXXX tried XXXX foreclosure attempts in 2+ yrs, all because we HAD $ $ $ equity. My attys sent QWRs-NO RESPONSES. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX ; XXXX gave XXXX a " loss note affidavit ''. Our securitization audit found multiple fraudulent issues of our NOTE. Some incl, " search of SEC filed documentation for WAMU MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX, XXXX XXXX # XXXX, in the XXXX database, reveals NO filing of the note w/appropriate endorsements ; no recordation of the appropriate endorsements at the XXXX XXXX County, Virginia Land Records. The Deed of Trust & paperwork filed by XXXX XXXX XXXX XXXX XXXX IS N'T COMPLIANT w/the rqmt in the Pooling/Servicing Agreement. There are no dated endorsements on the copy of the PAY OPTION ARM note assoc. w/our Deed of Trust, violating the Truth in Lending Act, Sect.131 ( G ) '' ( SA, pgXXXX ), Substitute Trustees filed by the lenders as authorized by borrower 's Deed of Trust is invalid & have been improperly filed in this case. Deed of Trust was entered in favor of MERS ; our NOTE was entered in favor of XXXX XXXX XXXX XXXX ( note originator ). ( SA, pgXXXX ). If the Deed & Note ARE N'T together w/same entity, there can be no enforcement of the Note. The Deed of Trust CA N'T enforce the Note if each contains a different mortgagee. If the Deed of Trust is NOT a LEGALLY enforceable instrument, there can be NO VALID foreclosure on the Borrower 's property ''. XXXX was n't entitled to foreclosure ; did n't have ownership to transfer our note to XXXX XXXX XXXX. ( SA, pg XXXX ), " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. W/O 1ST HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. ( SA, pgXXXX-XXXX ) " THE NOTE HAS TO REFLECT A MIN. OF XXXX ENDORSEMENTS SINCE XXXX XXXX XXXX. XXXX DID N'T SELL THE LOAN DIRECTLY TO THE TRUSTEE, XXXX BANK XXXX XXXX CO. IT FAILS TO MEET THE MIN RQMNTS OF THE POOLING/SERVICE AGREEMENT. '' In my bankruptcy in XX/XX/XXXX, Deutsche Bank National Trust denounced ANY claim as Trustee on my loan when they in fact were. Deutsche Banks is guilty of unethical lending practices, theft of our $ $ $ & cover-up which resulted in the illegal foreclosure of our dream home. See TV story http : XXXX | ||||||
| 12/29/2018 | Yes |
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| XX/XX/2018 I opened a business account with Mr XXXX, submitted the requested documents & checks for deposit to him. He opened the account. One week later I went to deposit more checks & was told the account has been closed/restricted & would have to call business customer service. I called customer service, was told since the checks were dated 2 weeks prior to the business was established they closed the account unless I can prove it existed prior to the dates of the checks. I explained to the representative on the phone that the checks were loans to me to help me open the business. I told him that when I was asked if by the makers of the checks who do they make the check to, I said the business name since it was a loan to me. I told him to look at the images of the checks & he would see it does state loan on the memo line. He did acknowledge it does state that but does not comply with his company 's policy/procedures requirements for a business account. I asked him so what will happen now & was told the account is closed. I asked when will the funds be returned to me & was told within 10 days. After 10 days I still did not receive the funds & called customer service again & a different representative said the same thing but was told this time they will not return the funds & they have every right to hold on to it. I asked the representative do you have a court order to withhold my funds & was told they do not need it & they can hold it as long as the company wants. I was very frustrated and decided to walk into the branch that I opened the account and talk to Mr XXXX. He tried to resolve the issue but was unable to. He was told the same thing. I asked him did he know about this policy & he said he did not. I left the branch & called again a couple of days later to hopefully speak to a manager from Chase Compliance Department. This time I spoke to the manager & was told the same thing but was told if the makers of the checks verify they wrote the check to me for a loan then they would release the funds back to me. On XX/XX/18, I was at the branch again and had Mr XXXX call the Compliance Department so they could call the makers of the checks, the representative on the phone was rude & called a couple of them to verify it. After verification, he then said this time although 3 of them did verify it was a loan it still doesn't meet company 's policy & the company will still withhold all my funds ( approximately {$12000.00} ). Mr XXXX asked is this in writing & they said no. Again, to no avail Chase Compliance department will not release the funds. I was told even if the makers of the checks verify they wrote the check to me as a loan & since I had them put the business name on it instead of having them write it directly to me that they still will not release the funds. The only way is for each maker of the checks call their bank & request a " recall '' of the check. I asked how come your company has no problem cashing the checks & none of your bankers are aware of this policy, and was told most branch level bankers are not aware of this policy. I asked is this fair to any consumer & was told it doesn't matter since its the company 's policy. As of now, it has been over 2 months I have been trying to get the funds returned to me ( approximately {$12000.00} ) and my business is not able to function because Chase Bank is withholding these funds even though on the memo line it states " loan '' and it was my mistake for telling the makers of the checks to just write it to the business name since it was a loan which I didn't know would be a problem including the banker who opened the business account for me. Please do not hesitate to call me for more information because I have a lot more details but unfortunately its hard to put all in writing. | ||||||
| 11/27/2018 | Yes |
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| On XX/XX/18 I was debited for {$300.00} by Merchant. I had purchased a vehicle from them prior to this debit. Once I notice the debit I contacted the merchant and was given the run around on who can help me. I called my bank ( Chase Bank ) to file a dispute of unauthorized transaction. The asked me a series of questions, from memory it was : Did I do business with this merchant in the past? ( I answered Yes ) ; Is this charge from a previous purchase? ( I answered No ) ; Is the card in your possession? ( I answered Yes ). Claim was filed on XX/XX/18. I received provisional credit of the {$300.00} shortly after. Mid XX/XX/XXXX I received a letter stating they have resolved my dispute and have obtain documents from the merchant that led them to believe this transaction was authorized. The letter stated, date of debit will be on or after XX/XX/18. I called on XX/XX/18 extremely upset and stated what's going on. They stated they received documents and therefore are debiting the account. I told them they shouldn't be debiting my account, I did do business with them in the past but it wasn't related to this transaction. The letter did provided documents that were relied on to make this determination, nor did the letter state I may request documents relied on. According to reg e 1005.11 ( d ) ( 1 ). Additionally, on XX/XX/18 when I called and stated this is not correct and provided proof that this transaction was unauthorized the bank rep stated that they originally filed this dispute as a Fraud Claim not a dispute claim. So because of the new information I provided, they stated to be on XX/XX/18 via phone calls that should be recorded that my account will not be debited {$300.00} ( reversal of the credit ) and will be investigated under the dispute process. On XX/XX/18, I was debited for {$300.00}. Again, this violates regulation E on so many different levels. First based on verbal communication on XX/XX/18, I was told I would not be debited and research will be reviewed. Since I was debited on XX/XX/18 this is in direct conflict of Reg E 1005.11 ( d ) ( 2 ) ( iii ) - They should have provided notification and given an additional 5 days notice from that notice when the acct will be debited. Or there could be another issue because if they are stating XX/XX/18 is day 1 of the investigation, they should provided that resolution within 10 business days or leave the provisional credit on the account. Since the original claim was filed on XX/XX/18 and they debited the acct on XX/XX/18, to me it appears they were up against a timeframe they had to close out this claim. When I called on XX/XX/18 to reassert the error, the rep rudely and I hope you can pull these calls continued to repeat himself that the phones are recorded. After I couldn't get anywhere, I spoke with supervisor who stated because I answered the question ( Was this charged related to previous purchase? Answered No ) they said that made this claim to be filed under fraud and not dispute. I stated when I called in to file dispute, I answered the question correctly. To my knowledge I already paid the merchant, this could not be part of a previous purchase. How am I suppose to understand the banks reasoning on how they file their dispute claims. To me this is a huge gap in their process and should be investigated. I continually tried to defend myself and even though the supervisor agreed with my understanding he said because the way it was filed the bank can only go back VISA or the Merchant once and once that is final that's it. But I told him because of their process I am not being penalized for the Banks procedures. This is seriously unacceptable, I also asked for call back from a Director and he had to put in a request. I told him I wanted to file a complaint as well. | ||||||
| 08/14/2018 | Yes |
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| The reason for my dispute is with 6 credits cards companies is to try to get my money back for using them to buy XXXX memberships and start an on line business but XXXX has been shut down for an investigation by the FTC for fraudulent activity and being a scam. -Description of Services/Products : XXXX is a business education platform. I paid and registered for a training program, sponsored by XXXX XXXX, to learn about online business practices and marketing techniques. XXXX XXXX which were 3 live training events ( XXXX, XXXX, and XXXX XXXX ), where I had to travel to XXXX XXXX or XXXX at a future date I choose to be trained and coached by the best in online marketing and advertising. Cost covered hotel stay, food, amenities and live trainings. This cost also includes continuous online training through XXXX websites and online coaching sessions that I could access whenever I want at my pace, and that new and fresh training will be posted continuously on the companys websites. I could choose any future date ( whenever listed by XXXX ) to attend the XXXX, and I could contact the coaches to receive online training via scheduling. -REASON for DISPUTE : I made prepayment for these services/products listed above, but I have never received ( DID NOT attend any XXXX ) nor will ever receive in the future my goods or services due that this company ( XXXX XXXX ) has been under investigation and shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. All XXXX sites have been halted by the FTC. They have a Temporary Restraining Order and all the company and its subsidiaries have been taken over on/about XX/XX/2018 by a Receiver named XXXX XXXX XXXX. There is no way I can contact the company in good faith for a reimbursement of my money. All communications in and out of XXXX have been cut, and they are legally not allowed to handle anything like this during the investigation -Documentations : You can find more information about the company taken by the FTC at : -The Receivers name, XXXX XXXX XXXX , website at : XXXX Specifically, the following documents ( # 1a-3 can be found at the above Receivers site ) about the case listed below : 1a. Receiverships Appointment : XXXX XXXX XXXX 1. Initial Order : XXXX XXXX XXXX 2. Complaint : XXXX XXXX XXXX 3. Temporary Restraining Order : XXXX XXXX XXXX 4. An Article on the FTC website XXXX : XXXX I put this information in my fourth letter which is being mail out after writing three other letters with list of products not received, 11 pages of of the three receipts that I signed for the three different masterminds plus a 33 page document of the restraining order against XXXX XXXX XXXX and XXXX. the first letter with the main documents when out XX/XX/2018, the second letter XX/XX/2018.Thrid I rounded up more information and sent a third letter XX/XX/2018. At this moment had three card companies finally contact me wanting more documentation today XX/XX/2018 as of this weekend and and that's the reason for the the third and fourth letter. In the fourth letter I told them that I am contacting you. 3 of the card companies I've heard nothing. These are the 6 card companies Chase XXXX XXXX they said they are reviewing my case, XXXX XXXX the are reviewing my case and XXXX XXXX card just asked today after the 2nd letter. XXXX XXXX, Chase Freedom Unlimited and XXXX I've heard nothing and they but should get the third letter tomorrow. So mainly I would like the three who have contacted me to get on the ball. And I would like them to really consider refunded my money or withdrawing the charges because XXXX is not keeping their end of the agreement which cost me dearly in money invested. At this point I will have to seek bankruptcy or debt relief or something. Thank you | ||||||
| 03/10/2016 | Yes |
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| My name is XXXX XXXX : I have a mortgage with Chase bank, originally it was with Washington mutual. Since XX/XX/XXXX I have been subjected to a runaround, false and misleading over the phone information. I have been subjected to a verbal loan modification thru the chase collection department. All this runaround came from a late payment of one of my City taxes of XXXX, after 11 years of paying my taxes by myself. I had a set up payment plan with the City of XXXX. When I went to pay the second installment, I was told by the city clerk that chase had paid the remaining taxes including the 1st installment payment I made already. When I contacted the taxe department of chase, I was told that since this was the first time after eleven years and since there was a miscommunication about the agreed payment plan with the City of XXXX taxing Department, they will be willing to reverse back to the original loan structure after sending all documents related to the payment agreement with the payments coupons. With my husband we faxes all related documents. When we called for follow up, after several runaround thru different persons and departments, they claimed to have not received anything. After many phone calls, each time the bank will agree over the phone with a type of payment structure and then it will be followed by a letter stating that after reviewing you account we regret to inform you that we will not be able to such and such after we made payments as agreed over the phone. The most alarming is when talking with my husband one of the bank employee stated that I have agreed to a loan modification and that has altered that loan payment schedule forever. How many people have the Bank subjected to this kind of practice, forcing them to accept a loan modification without proper advising or legal setting? When my husband told them that there was no need to discuss anymore, that a lawyer was needed to resolve the situation, the attending bank employee automatically ask him to wait she will see what can be done. After putting him on hold for a long time, she said that there was no loan modification. After another long discussion over the phone a payment schedule was made available with the agreement that after clearing all taxes pending payments everything will reverse back to normal. It turn out to be another misleading scheme. We made four payments, three monthly regular payments with separate checks of {$1100.00} on XX/XX/XXXX, and a tax payment of {$5400.00} on the same day ( all check copies will be provided ) .The Bank reverse all the payments in an escrow account, before sending us for the first time an Annual Escrow Analysis. When my husband called to ask about escrow account items and how did they came with the numbers in it, XXXX different employees were not able to explain why the amounts and it came out to be. You can understand our frustration in front such a scenario. I have not been able normally sleep since XX/XX/XXXX. The Chase bank has put me into nighmares. Everything they tell you turn out to be misleading. Up to date the situation has not been resolve. On Yesterday, XX/XX/XXXX, the employee we spoke last with on the escrow account could not answer and told us that she was going to request a investigation as to why the account had a surplus of a of {$4600.00}. When we call the customer service most likely collection department since our call has been redirected to that department, the responding employee told us that we were we were three most late on our regular payments. When made him aware of the three payments, and him why they were not credited to the account he could not answer. We hope to have a arbitrage with the Consumer Finance protection bureau before acquiring the service of a lawyer, which would be our next step. | ||||||
| 02/24/2022 | Yes |
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| On XX/XX/XXXX, my ex-fianc, XXXX XXXX, walked into this Chase Branch, filled out a withdrawal slip for an account that she had no access to, and withdrew {$8000.00} from my checking account. ( See attached withdrawal slip with her signature ) I, of course, was irate when I noticed the counter transaction. At the time, I was in XXXX and had to wait a few days to contact Chase, until my return to XXXX XXXX. Once back, I called Chase bank on several occasions and spent hours on the phone with them. ( The XX/XX/XXXX date is a best guess, as I don't recall the dates that i called ) Each time I called, I got hung up on or the call was disconnected, and I would have to call back in and start the conversation over. Unbelievably, they never had a record of me calling in or the call getting disconnected. I, finally, got in touch with the fraud department, so I thought. A person, named XXXX, told me that he would escalate the issue, and someone would get back in touch with me. NO ONE ever called me back. About this time, I was having serious problems in dealing with my now ex-Fianc. I was selling the house and sending her to a rehabilitation center, as she has drug and alcohol addiction issues. The issue with Chase Bank was placed on the back burner and through the end of the year, as I get really busy with work in the fall and then the holidays. on XX/XX/XXXX, I walked into the same branch and spoke with XXXX XXXX, the XXXX XXXX at this location. He was astounded that this could happen and called the claims/fraud department. They told him that I needed to have filed a complaint within 60 days of the event and they have no record of me doing so. Even after I called several times, in XXXX. XXXX was kind enough the escalate the issue and it is currently being reviewed by the XXXX XXXX XXXX XXXX, at Chase Bank. XXXX informed me to come back in if no one called within a week. They never called, so I walked back into the branch. XXXX was on vacation, so I asked to speak with a manager. XXXX, the branch manager, was too busy to speak with me, in person. However, she called me as I was walking out and told me that I am out of luck and to hire an attorney. She could not wait to get me off of the phone. Since then, I have called and spoken with Chase Fraud department. They told me that they don't handle teller mistakes and that I needed to be handled in the branch, directly. He told me to walk in, again, and file a formal complaint. I have yet to do that, but plan to. I also went to the police substation and tried to file a police report against, XXXX XXXX. They told me that I have to go after Chase and let Chase go after XXXX. They gave me the number to the XXXX, in XXXX XXXX. The XXXX told me to file a complaint with your department, the NV XXXX XXXX XXXX, and the XXXX, directly. XXXX is hiding behind some fine print that was signed when I opened my bank account, which must be signed in order to bank with them. I believe that there has to be a record of my attempts to report the fraud and they can not seem to produce it. I am currently pursuing court action against XXXX XXXX for another matter and consulting with the attorney, XXXX XXXX, XXXX. There must be some culpability on the part of Chase Bank. They have the responsibility to check a person 's ID and to protect my money from this type of misappropriation. They allowed a woman to walk in and withdraw money from my account. I am clearly a man and she a woman. At the time, XXXX and I DID have a joint savings account, but she had no access to my checking. I placed that {$8000.00} in my checking due to XXXX 's substance abuse problems and I expected it to be safe. Someone needs to be held accountable and I would like my money back. Thank you in advance for your attention to this matter XXXX | ||||||
| 01/13/2017 | Yes |
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| A line is now drawn in the sand in reference to alleged Loan # XXXX The above-referenced loan from inception involved what is proving to be a long list of fraudulent misrepresentations, mortgage fraud, both actual and constructive fraud, forgery, identity theft, federal false claims, extortion, deception, slander of title and the list could go on. Despite the concerted efforts to conceal the fraud involved in the transaction identified by the alleged loan identified above ( # XXXX ) the true facts, nature and intent of WAMU and its successors are emerging. Washington Mutual Bank, XXXX and its related subsidiaries, XXXX XXXX XXXX XXXX, the FDIC, XXXX XXXX XXXX , XXXX, XXXX, JP Morgan Chase as successor in interest to Washington Mutual and as JP Morgan Chase, and its related subsidiaries. Most noted subsidiaries of JP Morgan Chase, specifically is Chase of XXXX, XXXX XXXX and Chase Home Finance and now XXXX have all participated and profited in various ways and at various times in my more than ten year long struggle to survive the deception an outright extortion as the following statements of fact and the attached supporting documents will show. FACTS : 1. The contract ( ID # XXXX ) that Washington Mutual Bank, XXXX has proffered to XXXX, and all other Successors and Assigns, was rescinded in writing XX/XX/XXXX. Written notice of rescission sent, received and acknowledged by XXXX XXXX XXXX XX/XX/XXXX. Rescission was based upon fraud. WAMU manufactured a means to create a default by increasing a fixed rate mortgage payment from {$800.00} and change to over {$1300.00} and change and stated it was because of a sudden increase in property taxes. Six years of property tax records did not reflect any increase. That followed by misapplied payments and the refusal to return my nearly {$60000.00} down payment along with the threat of foreclosure. This was all within the first year. 2. I purchased a Homeowners title insurance policy from XXXX XXXX XXXX. I have tried. Although I have provided by certified mail many times copies of the policies and the written request for the closing file to determine who received my money and who else needed to be contacted to request the funds be returned. I have received several letters acknowledging receipt of the request and asking that I allow 30 - 60 days and it never comes. I have on occasion had representatives of XXXX XXXX to tell me verbally that information requires a subpoena and that I must sue them to get that kind of information. I have a letter from XXXX XXXX in response to one of my written requests stating that XXXX XXXX does not keep closing files. XXXX XXXX takes a great deal of pride in their '' XXXX ever-expanding, XXXX land-record database that allows them to retrieve and complete the most complex mortgage files '' for the BANKS. What of the consumers who purchase their products? 3. The FDIC would not entertain a claim being filed by a homeowner when I made contact with their office after WAMU went into receivership for their misconduct. 4. XXXX did help to bring a small piece of JP Morgan Chase 's misconduct to light. XXXX provided written confirmation again as they did in XX/XX/XXXX the acquisition date from Washington Mutual Bank, XXXX was XX/XX/XXXX. This proves that JP Morgan Chase did not acquire ownership of the mortgage or note in XX/XX/XXXX to assign ownership to anyone. There had been no filings UCC, Deeds or otherwise since XX/XX/XXXX other than my acceptance of the Warranty Deed that I paid for with my own money. XXXX. Chase willfully and knowingly filed those fraudulent assignments in an attempt to facilitate another fraudulent foreclosure using the newly created loan out thin air from XXXX. This is a violation of XXXX Residential Mortgage Fraud Act. Cont. on attachmt | ||||||
| 07/13/2016 | Yes |
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| " We have XXXX set of laws on the books, but there are XXXX legal systems : XXXX for the rich and powerful, and one for everyone else. It 's not equal justice when a kid gets thrown in jail for stealing a car, while a CEO gets a huge raise when his company steals billions. Want to see the rigged game in action? Tomorrow, the House will be voting on a XXXX bill that would make it much harder to investigate and prosecute bank fraud. The American people remember who broke our economy & who made out like bandits - and they did n't send us here to help the bandits. To anyone XXXX who thinks they can simply talk tough on crime and then vote to make it even harder to crack down on corporate criminals, hear this : I promise you - I promise you - the American people are watching. '' XXXX XXXX. How do I identify with the above? Have been the victim of JP Morgan Chase mortgage fraud and they have all managed to either skirt the law or use their clout to squash any litigation. Do not believe me? Read the article by XXXX XXXX of XXXX XXXX and the interview with XXXX XXXX. Gives you a quick view of what you are up against. My story is very simple. Applied for a mortgage reduction and did not realize that JP Morgan Chase was the judge & jury in determining who they would approve or select for foreclosure. Yes, while taking government bailout and promising to help consumers, JP Morgan Chase was creating incentives/commission for every foreclosure and acquisition of real estate. Menawhile, if you were XXXX, you did not even have to fill out the forms for mortgage reduction, it was done for you. XXXX, a different story. They had trouble finding/receiving all papers : therefore you do the process over and over until your home is taken away from you. How do I know? It happened to me. XXXX+ representatives from JPMorgan Chase and not one could find a single sheet of paper in my file or receive all documents in its entirety for two solid years. Bear in mind, I did not take out the mortgage with them, they pursued another bank - fresh with government money and did a hostile takeover. They were later sued. Now I have the privilege of trying to undo this wrong and have met with some arrogant characters from this bank. They have used this forum as a merry-go-round : always providing " PARTIAL RESPONSE '' means another arrogant fool will call me to tell me that they are again going to research the 'VERBAL '' mortgage that had nothing in the file for two years..and provide an answer. Always the same lying response. Refuse to answer the question of compensation to foreclose on homes, admitted that the mortgage was verbal, admitted that XXXX inspectors did not come to my home : offered a paltry {$15000.00}. ( XXXX XXXX ) as compensation when you have ripped me off for almost {$300000.00} and the XXXX nerve to tell me that it is off the table like I had any interest in that paltry amount. JP Morgan kept XXXX books - one showing my monthly payment and another hidden one with the {$300000.00}. incremental. Their staff could not even agree on the reason for this. Arrogant representatives from the Executive Office : Like Chase I will also use this format to advise the government but with an audience of over XXXX XXXX in XXXX and my XXXX, I will get justice. Dishonest, fraudulent, arrogant and inept group who use their contact in the legal system to stifle any charges!! We will see. I am committed to bringing Chase XXXX XXXX to justice and all the arrogant 'yes men ' that he has surrounded himself with. There is an old phrase " there are many ways to skin a cat ''. I am not afraid to take them on and as of today, having played by all the rules, WILL TAKE THEM ON. XXXX XXXX can do what he and his cohorts want to do..but you are on notice effective today. Dishonest XXXX. | ||||||
| 03/23/2016 | Yes |
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| I have a home that I purchased in XXXX in XXXX, CA. The home was purchased for {$320000.00} dollars with an XXXX first and second mortgages. I was married in XXXX and shared this home with my husband and step-daughters. In late XXXX my husband was XXXX and he could no longer work. Our financial situation worsened due to these circumstances and I began requesting loan modification assistance from the holders of my first and second mortgages ( XXXX XXXX and JP Morgan Chase ( Chase ) respectively ). I was told that could not qualify for a modification as I was current on my monthly payments and because I solely purchased the home my husband 's financial/medical circumstances bore no relevance. I explained I did not want to impact my credit rating by making late payments, I was told there were no other options. In XXXX of XXXX my husband passed away. His passing was extremely difficult as you would imagine, but in addition I was left with close to {$50000.00} in medical debt related to his treatments and {$15000.00} in debt we had incurred together trying to stay afloat during his illness. Unfortunately, the neighborhood my home is in was also changing and I had a few incidences that made me feel unsafe. I again called the holders of my XXXX mortgages requesting a loan modification due to my financial challenges and general life circumstances. I completed the process and was denied. In XXXX XXXX I could no longer manage the emotional strain of living in my home. I moved in with a friend and rented my home to a tenant. The rent received only covered the amount of my first mortgage 's monthly payment yet I continued to pay my second mortgage monthly payments. In XXXX XXXX the tenant stopped paying rent. I contacted the mortgage holders once again and was told since I was no longer living in the home they would not offer me any modification options. I was forced to stop making my mortgage payments and enlisted the help of a realtor to help me pursue a short sale. Since XXXX of XXXX the realtor has obtain XXXX cash offers all of which were denied by the holder of my first mortgage. The lender states that the worth of the property is approximately {$30000.00} more than any offer that has been made and is {$65000.00} more that the value as stated by the XXXX XXXX XXXX. These circumstances are distressing, but the reason for my complaint is related to the holder of my second mortgage, Chase. I have had no communication from them since XXXX XXXX despite them having my current contact information. Additionally they have not responded to any correspondence from my loan agent ( assisting with negotiating the short sale ) since beginning the short sale process. The XXXX exception was my request for copy of my year XXXX XXXX form. The did provide me an email copy of this document. Yesterday, XXXX/XXXX/XXXX Chase contacted my loan agent stating they have lifted the lien, but will not allow the debt to be cured by a short sale and that my second mortgage has been converted to a equity line of credit and I must pay their suggested balance of {$30000.00} in full or via payment plan. I never received notice of or gave permission for this debt to be converted from a mortgage and have been working diligently with my loan agent and realtor to work towards a short sale option agreeable to both lenders. I am very concerned at the timing of this communication from Chase to my loan agent as there has been no response to any prior communication. It is not my intention to walk away from my financial obligation, but under the circumstances, my repeated, denied requests for assistance and my continued efforts to resolve this financial obligation legally and fairly I do not accept their change the conditions of my loan. I thank you for considering my complaint. | ||||||
| 04/15/2015 | Yes |
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| We have XXXX business accounts, XXXX XXXX XXXX, and XXXX through Chase Bank. On Monday, XXXX XXXX, we deposited a check issued by a local bank, XXXX XXXX. On the same day, there were XXXX checks posted on the XXXX XXXX XXXX account. All XXXX checked were returned and the account was charged for overdraft fee. Meanwhile, the XXXX check was credited after all the checks were returned and fee was charged. On Thursday, XXXX XXXX, 2014, I found that there is no transaction posting on Wednesday, XXXX XXXX. I called the local Chase branch office and they indicated that both the accounts are suspended and provided no further detail. I spoke with a representative named XXXX. He explained that both the Blue XXXX and XXXX XXXX Law Offices accounts are suspended and in the process of closing since Wednesday, XXXX XXXX. Meanwhile, all the transactions post on and after XXXX XXXX will be returned. XXXX was able to " reverse '' XXXX checks posted that day and returned, check # XXXX $ XXXX/check date XXXX/XXXX/14, check # XXXX/ $ XXXX/check date XXXX/XXXX/14, and XXXX ACH payment ( $ XXXX/transaction date XXXX/XXXX/14 ). The total amount was {$6700.00}. On XXXX XXXX XXXX account, there were XXXX transactions posting ( check # XXXX/ {$120.00}, check # XXXX/ {$990.00} ), XXXX deposits ( {$1000.00} and {$1400.00} ). All were returned but were able to repost to the account. On Friday, XXXX XXXX, 2014, I spoke to a representative named XXXX. XXXX was able to have XXXX deposit ( XXXX deposit {$720.00} ) and XXXX check ( check # XXXX/ $ XXXX/check date XXXX/XXXX/14 ) that were both returned initially to be reposted. On Saturday, XXXX XXXX, 2014, I spoke to a representative names XXXX. XXXX told me that he was able to have XXXX check ( check # XXXX/ $ XXXX/check date XXXX/XXXX/14 ) and XXXX ACH transaction ( {$250.00} ) that both were returned and repost on the XXXX XXXX account. On Monday, XXXX XXXX : I spoke to a representative named XXXX, she indicated no further assistance. She referred me to speak to another representative named XXXX. XXXX said that he would keep a notation on the account. Later that day, one of the payees called me that the check # XXXX/ {$1200.00} had been returned. This check was confirmed that had been returned but they were able to " repost '' and get paid on Friday, XXXX XXXX. The representative I spoke also indicate that the check # XXXX/ {$3200.00} and ACH {$250.00} were turned, which were contradicted with the response that I got from XXXX on Saturday, XXXX XXXX. This representative was able to contact " acceptance department '' and " hard post '' the XXXX transactions. Later in the evening after XXXX on Monday, XXXX XXXX : I received a written statement in the mail that there is " unusual activity '' on the account and " block the account '' " for your protection '' for both accounts. On Tuesday, XXXX XXXX : I spoke with representative named XXXX, she spoke with XXXX from " acceptance department '' and was able to " hard post '' check # XXXX/ $ XXXX/check date XXXX/XXXX/14 which was returned earlier on XXXX XXXX XXXX XXXX account. Before the account was suspended without notifying us on Wednesday, XXXX XXXX, the balance on Blue XXXX was {$15000.00} and {$1600.00} on XXXX XXXX XXXX XXXX cccount. From Wednesday, XXXX XXXX to Thursday, XXXX XXXX, we deposited total amount {$3100.00} to XXXX XXXX XXXX account, which makes total balance {$480000.00}. There was over {$20000.00} between both XXXX XXXX and XXXX XXXX XXXX XXXX. Chase " froze '' our accounts without any notice and holds over {$20000.00} fund and returned all the checks posting and deposits initially. It was also cause unbelievable hardship. We did not receive any written notice until five days ( XXXX XXXX, 2014 ) later and the damages had been done. | ||||||
| 11/18/2016 | Yes |
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| Chase Bank has devastated my credit profile by falsely reporting " 30, 60, 90, 120 day lates, '' and " foreclosure started '', continually since XX/XX/XXXX. I had a XXXX " excellent '' credit score then. I have a 1st and 2nd/HELOC mortgage. I 've never missed a mortgage payment but Chase Bank continues to report late and past due payments. With proof of my timely payments, I recently argued with Chase customer service reps until they admitted they misapplied my mortgage payment to the wrong loan. I 've contacted the Chase attorney and customer service reps. I 've lost financial opportunities to grow my small business and to purchase a property I have the option on with over {$200000.00} in equity. No lender will finance me. Chase Bank has also trapped me in a HELOC interest only 8.5 % - 18 % by reporting false payment history to the credit bureaus. I ca n't refinance the property to get away from Chase Bank 's reprehensible loan servicing. In XX/XX/XXXX, Chase Bank constructed a false non-judicial foreclosure of our family home by falsely claiming I did not make mortgage payments for XX/XX/XXXX, XX/XX/XXXX. I was forced to file a lawsuit. In discovery, we obtained Chase records that prove that Chase indeed did receive my mortgage payments for XX/XX/XXXX & XX/XX/XXXX -- the bank is so financially powerful honest consumers like myself ca n't stand up to them. The XXXX fighting to keep my home for XXXX years negatively affected my health -- XXXX. XXXX All the attorneys I hired to help me fight this case ripped me off by taking the retainer and then made up an excuse to withdraw from the case. I want to trust my attorney but I 've learned you ca n't trust anyone who does n't fear any accountability for lying -- and attorneys are educated to " lie '' without batting an eye. The CA. State Bar does little or nothing to protect consumers from rip-off attorneys. I 've spent over five years fighting for our family home. On XX/XX/XXXX, about a week before a jury trial, Chase settled with me out of court. But then Chase Bank breached the settlement agreement and today continues to report false information to the credit bureaus that again stop me from obtaining any kind of reasonable credit. I ca n't purchase a newer used vehicle, ca n't rent or buy property, ca n't lease a vehicle and about a dozen more things only because my credit history with Chase Bank. My Chase Bank loan will adjust with the upcoming rate increase and then I 'll be unable to pay our bills and mortgage -- -my family and I will be in the negative and my credit will ruined further. I just turned XXXX years old. I do n't see any way out of this. Our politicians wo n't help. I tried to put out a press release but the PR agencies wo n't run them ( but they run others by big corporate clients -- not us little guys ) On or about XXXX XXXX, California Attorney General XXXX XXXX XXXX made a XXXX dollar deal for California consumers. That settlement agreement was to repay mistreated California homeowners for unjust foreclosure process by the banks -- Independent Foreclosure Review -- that truthfully -- XXXX -- I got a check for about {$700.00}. No one helps us. I ca n't fight & recover from my XXXX. I 've applied for a Chase Bank loan modification about three times and was denied -- one of the reasons " credit score. '' Chase Bank created this trap. Chase falsely reports to the credit bureaus & brings my score down to prohibit me from getting a reasonable loan from Chase or any bank. Chase Bank benefits by holding my credit hostage as the Chase Bank HELOC loan interest rate rises and I 'm forced to pay because no bank, not even Chase, will give me financing because of my credit history -- -falsely reported by Chase Bank . Is n't this XXXX FINANCIAL ABUSE? in addition to other wrongs? | ||||||
| 05/11/2023 | Yes |
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| XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, CA. A call was received via my cell number with no caller ID. An employee requested to speak with my husband and/ or verify will be available to serve a lien at current home address. Immediate address the issue for additional information as to caller ; XXXX from Process Service division, no number or further information but contact XXXX XXXX XXXX with the file number. Inquire if the serving of the lien is on hold while addressing the issue. Acknowledged for the day. Immediately contact as unable to determine any pending issues we have not addressed, provided file number and spoke with XXXX from litigation. Inquiring regarding the process to serve the lien on current address. Mention name of company and address the issue should have been addressed as spoke to me regarding same issue. Mentioned has not or another debt. As inquiring regarding last contact and review payment taken over my speaker of cell ; XXXX inquired need to confirm account information with a receipt ; mentioned review but also need specific information as to contact and if same company as before as addressed the previous month. Acknowledge account within 60 days. Inquired about why first contact and lien on current address. My information available but never spoke to them. Immediately indicated attempt to contact but now need to be addressed and if calling to settle the matter. Speak with employee and husband over speaker to gather payment information. Began to question specific of previous caller for documentation. XXXX began to provide long dragged out responses which I addressed to be specific to my questions. Attempt to explain himself and again just a simple response is needed. XXXX inquired as to payment and what needs to happen to settlement. I am requesting additional information and do not want to address his request. I was addressing husband over speaker regarding payment. XXXX made the assumption I was speaking with him. I was about to address with XXXX the issue of who I am speaking with and will address him, if I am to do so. XXXX immediately address being rude and did not want to continue the call and will file with the court so the balance will be over {$12000.00} and lien on our property and assets based on fees and court costs. I was about to interrupt again this needs to addressed and he did not want and disconnected. Called back and placed and hold and disconnected, called and hold and then would not continue and disconnect. Received initial call XXXX XXXX and last call XXXX XXXX for a total of XXXX attempts. Husband made payment for settlement amount {$5100.00}. Next day, XXXX, husband addressed request for the additional information. Initially spoke with XXXX who couldnt address initial request and transferred to XXXX. Caught XXXX up and mentioned a little was addressed but after a little further in conversation asked if we were attempting to cancel the payment and what was our agenda. Again explain what agenda is and repeatedly address payment can be cancelled to us. Unable to provide third party subcontractor services and the company was not attempt to serve but rather an intent letter was to be sent which was not mentioned. The file number was not with the court but internal file number. Request business number or license number and no information could be provided. Request for letter of 4 months ago but settled so may not be available as file closed. We should understand. Request hard copy of paid in full as not normal process but we can print the email. Again asked about our agenda and mentioned did not have one but rather if addressed the questions the day XXXX this would have ended the same but again same tone from XXXX. XXXX explained easier to end call yesterday and should understand. | ||||||
| 10/26/2016 | Yes |
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| On Wednesday, XXXX XXXX, an un-identified persons made ( XXXX ) ATM debit card withdrawals using my Chase Bank Debit Card at a XXXX XXXX XXXX Branch, located at XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. The first ATM withdrawal was at XXXX EST for {$500.00} + {$3.00} - non Chase bank fee. A XXXX ATM withdrawal was made at XXXX EST for {$500.00} + {$3.00} - non Chase bank fee. A total of {$1000.00} was now missing from my account. At approximately, XXXX EST, XXXX miles and 3 hours and 15 minutes away with no traffic, from XXXX, I was attempting to check out after happy hour drinks at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX. I had been at XXXX since XXXX EST with ( XXXX ) colleagues from work. When the server attempted to run my Chase Debit Card she returned to advise that it came back as an invalid card number. I thought that was odd and provided her my additional Chase Debit Card for another joint account. She then returned stating that one also came back as invalid account number. Since I had received no texts, emails or phone calls from Chase, I thought perhaps it was just something isolated to XXXX card reader. On Thursday, XXXX XXXX, I attempted to check out of XXXX in XXXX, Florida and the card was again declined. At this time, I still had not received any texts, emails or phone calls from Chase Bank so therefore was not alarmed. On Friday, XXXX XXXX, I went to pay an online bill and noticed the ( XXXX ) unauthorized ATM debit withdrawals made in XXXX Florida totalling {$1000.00}. I then called Chase Bank and they advised I needed to go into a Branch for new cards as there was some suspicious phone activity with their Chase Bank customer service center and account was noted for me to go to a Chase Bank location. I asked why was I not contacted via text, email or phone call and they had no reasoning for them not reaching out to me with this suspicious activity. Later that morning I visited XXXX XXXX at the Chase Bank location, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX, where she advised that my cards were canceled. I advised I now understand that however was very disappointed for Chase Bank not notifying me immediately and had been embarrassed in front of co-workers when my cards were declined. She could not say why Chase Bank did not contact me. She then ordered me new cards for both accounts. I provided her the sole card to my primary account and she destroyed it along with the other Chase Bank debit card I had for my joint account. She then asked if I reported a claim. I advised that I did not know the process and she called in and reported a claim. She then said I needed to fill out a claim form affidavit. Once returning to my office later on Friday, XXXX XXXX, I received the email from Chase Bank and filled it out electronically online and submitted. I allowed time for a response since it was no a weekend. On Sunday, XXXX XXXX, I noticed an email Chase Bank sent me on Saturday, XXXX XXXX, only 24 hours reporting the fraudulent withdrawals on my card. The letter advised " Update : We 're not reversing the disputed charges on your account. '' The letter went on to say that they researched these transactions and they confirmed the disputed charges were correct and they will not be making any adjustments to my account. I was instantly panicked by such a response only 24 hours after reporting the fraud. I then called and spoke to XXXX at Chase Bank at XXXX, who shared the details I provided earlier about the XXXX, FL ATM withdrawals. He admitted to seeing my same card used by me 3+ hours away in XXXX XXXX , FL and also advised the account activity was not in line with my normal spending. He advised he would reopen. I then reopened another claim affidavit on Monday, XXXX XXXX and today just now got a temporary credit. | ||||||
| 02/26/2016 | Yes |
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| JP Morgan Private Bank has engaged in a series of petty, abusive harassments for years and has refused to provide basic banking services on our checking and savings accounts for as long. Furthermore, there is ample evidence that it is quite and consistently disingenuous in denying these allegations, much less, remedying them. It again engaged in such hostilities when I sought to get checks and an ATM card recently, neither of which I 've been able to obtain for years from it because of its perpetual harassments, deceptions, and denial of basic services that are suppose to obtain to our accounts and which we should be able to reasonably expect. Earlier this week I went into a Chase bank, as part of the JPMorganChase, N.A. conglomerate, XXXX, and spoke to a XXXX XXXX XXXX in an effort to obtain personal checks and an ATM card. He was affable and seemingly helpful, and told me that I would have the new checks and a new ATM card by today, Friday, XXXX XXXX 2016. Later in the same day that I met with him, he left a message on my home answering machine and said he needed to speak to me again about another " security question '' but did not say what the question was. Altogether, I waited at XXXX XXXX ' desk for about 30 minutes when I met with him. He said at the time that his computer was slow as an explanation for the time it took to process my routine requests. The next day I was in the area again on other business and stopped in to see him in response to his telephone message. He was not available when I arrived so I waited for about 10-15 minutes, then had to leave without seeing him. Before I did so, I spoke to XXXX the tellers in this tiny bank and asked her to please tell XXXX XXXX that I 'd gotten his telephone message, had stopped in to see him, and to please call me with any additional questions but to indicate what they were if he had to leave a message again. I never heard from XXXX XXXX again prior to getting the new checks and ATM card. Yesterday some checks and an ATM/debit card arrived. As usual, they were the wrong checks on the wrong bank and the ATM card appears to be on the wrong bank as well, although it is difficult to tell what bank it is on and where that bank may be located. I had brought samples of the checks we 'd needed more of with me when I 'd met with XXXX XXXX. He looked at them and kept them for some time before returning them. The checks are light blue with a silver band across the top. They are made by XXXX and, I believe, are called " XXXX XXXX. '' I asked XXXX XXXX when I 'd met with him if he had any sample checks so that I could check the names of the checks and he said that he did not, but he nevertheless assured me repeatedly that there would be no problem getting more of the same kinds of checks that we 'd been using for 15 or more years. The checks I brought with me and showed to him clearly indicate that they are for a " JP Morgan Private Bank '' XXXX. Copies of XXXX of them and a deposit slip from the other are attached to this complaint. I mentioned what I thought were the name of the checks, " XXXX XXXX, '' to XXXX XXXX and told him many times that we wanted more of the same kinds of checks as those I 'd brought and shown to him. That is, we wanted more of the XXXX, XXXX XXXX checks with the same information on them as the ones I 'd shown him when I was there. He, in turn, assured me several times that we would get exactly what I 'd requested via the XXXX mail to our home address before today. In the copies of the original checks & deposit slip that are attached to this complaint, anyone can see that each kind differs from the other kind only in that one has XXXX of our names on this joint account, while the other has only the other joint holder 's name ( XXXX ) on them, as sometimes thi | ||||||
| 01/18/2016 | Yes |
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| My parents have had a Chase XXXX XXXX card with Chase Bank since XXXX. In XXXX, I was supposed to have been added as an Authorized User on the account - NOT a joint cardholder. I have pulled my credit report since then and noticed that their account records are appearing on my credit report as if the card is my own. I called to speak with a Chase representative, XXXX, and he advised me that I was a joint cardholder, and not an authorized user. The detailed history is : in XXXX, I was supposed to be added as an authorized user. Instead, what occurred in Chase 's error is that my mother - who was SUPPOSED to be a joint cardholder - was added as an Authorized User and, erroneously, I, their daughter, was added as the joint cardholder. We were unaware of the error then as we were never provided any documentation to review or sign, and I never received any cards with my name on them ( as Chase never had my actual address or authorization ). In XXXX, my mom was sent a letter from Chase bank, advising that Chase will now ONLY be adding Authorized Users, and no longer be adding Joint Cardholders, and that if she wanted to make any changes to the Authorized Users or Joint Cardholders, that she should do it now during their open " window '' for these changes. It was in that documentation that she realized that she had been added as the Authorized User and that I had been named the Joint Cardholder. She called to correct this, and spoke with a representative there, and asked that they correct their previous mistake, as SHE is supposed to be the Joint Cardholder, and should remain so past the XXXX " window of changes '', and that I was her DAUGHTER and was only supposed to be an Authorized User. They advised my mom that they would correct the mistake and send new cards. As it turns out, I was never removed as they advised they would do, and now, since it has passed the Chase " window '' for making those types of changes, we are being told that I can not be removed and I am forever on this card as a joint cardholder, and that I assume the debt - WITHOUT authorization. Again, I have never received a card, a statement, the company does not have my address, never has had my address, and has never received signed authorization from me to be responsible for this card/debt. Since, I have never signed anything or completed any paperwork, nor has Chase Bank EVER pulled a credit inquiry into my credit history in order to determine credit worthiness to be added, I have requested, again, that I be removed from this card as a Joint Cardholder completely. Since they are insisting I signed something ( which I am certain that I did not ), I have asked to be provided a copy of the document that I supposedly completed and signed authorizing me to assume this debt and be added as a joint cardholder, which I have yet to receive from them. I spoke with a " XXXX '' at Chase, who admitted that there must have been an error ( after reading the account notes ), but is still saying there is " nothing he can do ''. I intend to pursue this matter legally until my name is correctly removed from this card account. It is not now, nor has it ever been, my account. My parents have done business with Chase for a very long time and they do not want to cancel their account and go elsewhere, and closing the account completely is the only option that Chase advised me of, and even doing so does not remove me from being responsible for the debt on that card that I should not even be associated with. I find it insane that - by this reasoning - I could theoretically have a stranger 's name and social security number, make a phone call and just have them added to my card account, and - poof! - make him responsible for all of my debt. This makes no sense at all, legally. Please help. | ||||||
| 07/29/2015 | Yes |
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| this is a complaint I also filed with the XXXX whereas XXXX is the owner/investor : I have been for over 2 yrs fighting with Chase/XXXX XXXX and recently had XXXX XXXX Office request the " audit '' that XXXX did last XX/XX/XXXX. Her office was denied not only a copy, but denied awareness of its existence that would prove that I am being robbed ( predator loan ) by Chase Bank ( servicer/lender ). I just days ago requested again the same request through Senator XXXX XXXX office and am waiting for a XXXX response. Yesterday at approximately XXXX I received a call from Collections Dept at Chase ( XXXX ) the representatives name I think was XXXX? Anyway, during the conversation he instilled a considerable amount of emotional terror ( XXXX yrs old and legally XXXX ) in me!!. Among his questions were the following : Are you alone in the house? Is there anyone with you living there? Do you live in the house everyday of the month? He made Many comments including, " I would hate to see you loose your home over {$58.00} '' ( escrow conflict and ETC ..., I am refusing to XXXX time pay it, while Chase stole $ XXXX and are denying it ). " I have seen cases where the homeowners also refused to pay and many of them were foreclosed on without any notice, sometimes they can be outside your door while you sleep at night '', they can come in while you are out, etc ... .. He told me that sometimes " without any notice to the homeowners, the properties can be sold out from under you, until the sheriff shows up at your door, to give you 30 day eviction notice ''. I am here requesting the XXXX retrieve this phone conversation call. I argued with him for maybe XXXX minutes and by the end of the call I was barely breathing, with extreme FEAR!!! to not leave my home- I may be locked out when I try to get back in. I also put many NO TRESPASS signs around my home, compelling my neighbors to question my " mental state ''. I am not only living in pure anger/fear for XXXX XXXX Chase banks attempts to get away with cramming down my throat a bad/predator loan that THEY owe ME a fortune on, but in constant fear of being discretely silently denied access to my only home. I am here again at the public libraries with my sickly 17 yr old car, no monies for gas, with no monies for my XXXX medication, XXXX yrs old-legally XXXX, XXXX and humid, no home AC and none in my car, with no chance of trying to take care of myself without feeling XXXX, financially XXXX/abused as well as well as damages esculating from all of this insane abuse. I no longer want their ( predatorial ) assistance on this loan. Their last offer did not accomodate the wrongful accounting, monies/ abuses etc.. wrongs, but was a modification offer on what I do Not owe!!!, for a 3 month Only term, ( with a monthly payment amount, forcing me to continue to borrow from those close to me, as I have been doing for years, now causing problems to them financially ). I am totally confident that if I can find an attorney to help me ( $ $? ) with the appropriate expertise, I can sue not only Chase Bank, but also XXXX for their also horrible ( I can prove ) behaviors towards me for XXXX of dollars in damages, as well as abuses both financially as well as punitive pain and suffering, etc ... .. This is Chase loan # XXXX in XX/XX/XXXX among Many other things. I did NOT have my own attorney. The realtor told me to use the sellers attorney.. My XXXX loan ( equity credit line ) with Chase ( only ) will end up costing me 75 % interest!!! if I go the whole 30 yr term. Chase Bank as well as XXXX should be run out of the country and not allowed to continue business as usual. I have met and spoken to many with similar problems like mine with both of these same " businesses '' .Also, filed XXXX complaints w/CFPB sinceXX/XX/XXXX | ||||||
| 04/26/2020 | Yes |
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| I OPENED A NEW ACCOUNT WITH CHASE IN EARLY XXXX - ONLINE - REMOTELY. I DEPOSITED MONEY ASAP AND HAD IT CONNECTED TO MY DIRECT DEPOSIT. I'VE BEEN USING THIS ACCOUNT FOR MANY PERSONAL MATTERS. I NEEDED TO PAY FOR MY XXXX PROPERTY, WHILE HIDING OUT IN ANOTHER STATE DUE TO COVID-19. ONE AFTERNOON, MY ONLINE ACCOUNT LOCKED. I'M IN XXXX FOR LITERALLY 4 DAYS TO COLLECT MY PETS AND GET THINGS IN ORDER AND THIS IS MAIN ACCOUNT I HAVE TO USE WHILE IM HERE. I CALLED AND WAS TOLD THAT MY PHONE # COULDN'T BE VERIFIED THEREFORE THE REP HAD ZERO ACCESS TO MY ACCOUNT, EVEN THOUGH I HAD MY SS # AND ACCT # AND ROUTING # - THE CELL # I GAVE WHEN I OPENED THE ACCOUNT WAS VERIFIED BY CHASE TO OPEN MY ACCOUNT. I WAS TOLD I NEEDED TO GO INTO A BRANCH WITH BANKERS TO VERIFY MY IDENTITY. THAT'S HARD RIGHT NOW - BUT GIVEN I HAD NO CHOICE, I VISITED A BRANCH IN MY AREA - I WAS SENT AWAY BECAUSE I DIDN'T HAVE AN APPT. I CAME BACK THE NEXT DAY AT XXXX AS TOLD. FINALLY - A MANAGER TOOK ME ASIDE AND TRIED TO FIX THE ISSUE - I BROUGHT MY PASSPORT, EVERYTHING. SHE TOLD ME TO WAIT AND THEN THE BANK MANGER CAME TO SPEAK TO ME. HE INFORMED ME THAT THEY DID NOT HAVE THE ABILITY TO UNLOCK MY ACCOUNT AT THAT BRANCH - BUT THEY COULD HELP ME ON ANOTHER DAY ( THEY WERE CLOSING AT XXXX ) AND THAT I NEEDED TO SIT DOWN WITH A BANKER - CALL CORPORATE - CONFERENCE CALL WITH THEM, MYSELF, AND THE BANKER TO VERIFY MY IDENTITY. IT WOULD TAKE OVER AN HOUR DUE TO THE HIGH RATE OF CALL VOLUME. NOW - I WORK IN CUSTOMER SERVICE AND I GET THAT CORPORATE CAN AT TIMES MAKE THINGS INCREDIBLY DIFFICULT, BUT NOT BEING ABLE TO SIMPLY CHECK MY BANK STATEMENT ON MY OWN SHOULD BE MADE ILLEGAL. HE DID, HOWEVER, GIVE ME THE OPTION TO TAKE OUT SOME CASH FROM THE TELLER IF THAT WOULD HELP? NO - THE OPTIONS GIVEN ARE 100 % UNACCEPTABLE FOR A BANK OF THIS MAGNITUDE ESPECIALLY DURING A CRISIS OF THIS MAGNITUDE. VIRUS OR NOT - I WOULD STILL HAVE TO GO THROUGH THIS PROCESS TO SIMPLY UNLOCK MY ONLINE VIEWING AND PAYMENT ABILITY - I AM NOT ABLE TO USE MY DEBIT CARD OR ANY ONLINE METHOD OF PAYMENT - CURRENTLY. I'M COMPLETELY PARALYZED BY CHASE AND HAVE NO ACCESS TO MY FUNDS, AT ALL. I REMOVED A LARGE AMOUNT OF CASH AND REDEPOSITED IT INTO ANOTHER ACCOUNTFOR THE TIME BEING, EVEN THOUGH I STILL HAVE PAYMENTS COMING INTO THAT ACCOUNT THAT I WILL NOT HAVE ACCESS TO AGAIN - UNLESS I RETURN TO A CHASE BANK AND GO THROUGH THIS PROCESS ALL OVER AGAIN. SO, I'M ABLE TO REMOVE CASH IN FRONT OF A TELLER, BUT I CAN'T PAY MY ELECTRIC BILL OR VIEW MY OWN ACCOUNT ONLINE? NOT TO MENTION - GOING TO THE LOCATION TWICE ON TWO SEPARATE DAYS DURING A CRISIS AND EXPOSING MYSELF IS COMPLETELY UNACCEPTABLE. I'M LIVID AND WILL NEVER BANK WITH CHASE AGAIN. I WAS TREATED LIKE A PEST EVEN THOUGH I WAS THE ONE WHO SHOULD HAVE BEEN MOST ANNOYED. ALSO - WOULDN'T IT BE NICE IF FOR ONCE A BANK ACTUALLY GAVE A XXXX AND REIMBURSED CLIENTS FOR TIME WHO HAVE TO DEAL WITH THIS KIND OF STUPIDITY? THIS IS A COMPLETE FAILURE ON THEIR PART WITHIN THEIR SYSTEM AND NEEDS TO CHANGE. WHAT HAPPENED IS SO MINUTE IN COMPARISON TO MOST THINGS, BUT IT BECAME THIS ENERGY CONSUMING EPISODE THAT ABSORBED HOURS OUT OF MY DAY - FROM WAITING ON HOLD IN THE BEGINNING TO DAYS OF HAVING TO TRANSFER FUNDS TO OTHER ACCOUNTS TO PAY SIMPLE BILLS BECAUSE WHAT I PLANNED FOR COULDN'T BE TRUSTED. NO ONE SHOULD EVER HAVE TO WORRY ABOUT THIS. BANKS SHOULD MAKE IT THEIR PRIORITY TO HELP YOU FEEL SECURE AND BED OVER BACKWARDS TO TAKE CARE OF THEIR CLIENTS, ESPECIALLY THOSE WHO AREN'T MILLIONAIRES. I APPRECIATE FRAUD FLAGGING, BUT MY ACCOUNT WAS NEW AND OBVIOUSLY MAKING ' NEW ELECTRONIC CHARGES ' NOT EVERYONE 'S ACCOUNT SHOULD BE CUT OFF ASAP BECAUSE OF A NON-HUMAN COMPUTER ALGORITHM. IVE NEVER BEEN UPSET ENOUGH TO FILE AN ACTUAL COMPLAINT AGAINST ANY BANK - BUT HERE IT IS. | ||||||
| 10/23/2016 | Yes |
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| Describe what happened so we can understand the issue ... JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC continue to abuse consumers in the mortgage market by practicing unfair, abusive, or deceptive lending and servicing practices. JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC failed to provide Notification of Sale or Transfer of Mortgage Loans -- 12 CFR 1026.39 as outlined in Subpart XXXX - Special Rules for Certain Mortgage Transactions. CFPB Laws and Regulations TILA Prohibited Acts or Practices in Connection With Credit Secured by a Consumer 's Dwelling -- 12 CFR 1026.36. Notification of Sale or Transfer of Mortgage Loans -- 12 CFR 1026.39 " Notice of new owner : No later than 30 calendar days after the date on which a mortgage loan is acquired by or otherwise sold, assigned, or otherwise transferred to a third party, the " covered person '' shall notify the consumer clearly and conspicuously in writing, in a form that the consumer may keep, of such transfer and include : identification of the loan that was sold, assigned, or otherwise transferred ; name, address, and telephone number of the covered person ; date of transfer ; name, address, and telephone number of an agent or party having authority, on behalf of the covered person, to receive notice of the right to rescind and resolve issues concerning the consumer 's payments on the mortgage loan ; location where transfer of ownership of the debt to the covered person is or may be recorded in public records or, alternatively, that the transfer of ownership has not been recorded in public records at the time the disclosure is provided ; and at the option of the covered person, any other information regarding the transaction. '' Per the TILA Act, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC violated the regulations set forth in Notification of Sale or Transfer of Mortgage Loans -- 12 CFR 1026.39 of this Act in respect to the Notification of Sale or Transfer of Mortgage Loans of the subject property. The consumer that resides at the subject property never received the notice of the new owner from JPMorgan Chase Bank NA, Chase Home Finance , LLC or its affiliates. Per the TILA Act, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC violated the regulations set forth in Notification of Sale or Transfer of Mortgage Loans -- 12 CFR 1026.39 of this Act in respect to the Notification of Sale or Transfer of Mortgage Loans of the subject property. The consumer that resides at the subject property was never made aware of the initial servicer change from Chase Home Finance LLC to Ascension Capital Group between XXXX XXXX, XXXX and XXXX XXXX, XXXX. In Chase Home Finance LLC 's Motion to Modify the Automatic Stay, Chase Home Finance LLC states that they are party that " services the first mortgage lien on the property '' on XXXX XXXX, XXXX in US Bankruptcy Court. Furthermore, Chase Home Finance LLC failed to inform the consumer of second servicer change to XXXX XXXX XXXX from Chase Home Finance within the thirty calendar day window. The consumer received written notice on XXXX XXXX, XXXX and the servicer change was effective XXXX XXXX, XXXX. .The revisions of Regulation Z have banned unfair, abusive and deceptive lending and servicing practices ; however, furthering its predatory lending and servicing practices, JPMorgan Chase Bank , NA and Chase Home Finance , LLC continue to violate CFPB Laws and Regulations TILA and Prohibited Acts or Practices in Connection With Credit Secured by a Consumer Dwelling-12 CFR 1026.36. JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC 's predatory lending and servicing practices should be investigated by the FBI Mortgage Fraud Unit and the Bank and its affiliate should face significant Civil Penalties. | ||||||
| 08/25/2021 | Yes |
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| Ive suffered a loss over {$6000.00} through an XXXX XXXX transfer. There was {$4500.00} sent on XX/XX/21 first payment of {$2000.00} at XXXX PM and {$2500.00} XXXX PM with {$2000.00} being XXXX XXXX and {$500.00} from debit card linked to it to a XXXX area code number and {$1500.00} sent to a different number that was also in XXXX at XXXX, XX/XX/21. I know this by searching up the area code in which I know no one from there. I went to Downtown XXXX XXXX XX/XX/21 around XXXX noon. I got pretty sick from drinking and slept til the next morning getting home by XXXX. I had no notice of these transactions until I was awakened by a friend of mine asking why I sent her {$2000.00} dollars cause somehow it was money sent to her that she immediately sent back after realizing I wasn't answering my phone. I have XXXX phones and she didnt have my newer number and sent me a message through XXXX informing me about the money being sent to her that she sent back. I wasnt able to inform myself until I woke up around XXXX XX/XX/21 to check my account immediately to see XXXX dollars in my account that was XXXX XXXX hours ago. Second I called to make a claim with my bank, Chase and I looked for my old phone at the same time in panic and obviously upset. The claim was done by no later than XXXX adding wait time and building the case. As far as telling them what happened and trying to build the case I wasnt aware of needing evidence or much to get my money back seeing I didnt authorize the payments and my phone was lost or stolen. I didnt care to file a police report because I used XXXX XXXX XXXX XXXX to track it myself. I got to it just in time as they tried to leave me with nothing at all attempting to take out {$940.00} at XXXX and at XXXX XX/XX/21 but I had the account frozen by then. Person that took my phone was in on it with somebody as they even wrote in my XXXX in which I have evidence. The user name writing to my account to the person that stole it was XXXX which shows nonexistent now along with the numbers they were sent to and I have screenshots to show. Their was also an additional XXXX attempted to be pulled out my account XX/XX/21 coming out the same way and put me XXXX dollars plus cant remember the exact amount. I also had to make a claim for that. That one was fixed almost immediately but I was never informed the status of my original claim until I called XX/XX/21. She told me I should know by XX/XX/21 and I received no credit like they said they would it wasnt ruled in XXXX business days it was over that. I called again to get a second review and this time I was told it was denied with no resolution. I asked for one she said its nothing else I can do or tell you sir and was very stern and rude. Third review was guy who felt I should file another claim since their was not a resolution and gave it about XXXX business days which was yesterday XX/XX/21. Due to dropped calls being hung up on I was told once it was denied for inconsistencies, another person said lack of evidence, and also once again told no resolution at all. As you can see Ive had to call numerous times and I was told that comes off as suspicious but Im just trying to get my money back like any other person would do. To this day I have not received a resolution electronically or through mail and was not handled in a professional manner as Im being told it was denied by most and opened still by some. It was an urgent situation and still is and wasnt sure how much I had to prove Im innocent in this situation. Person that took my phone was in on it with somebody as they even wrote in my XXXX in which I have evidence. The user name writing to my account to the person that stole it was XXXX which shows nonexistent now along with the numbers they were sent to. | ||||||
| 12/15/2016 | Yes |
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| I am filing this complaint against JP Morgan Chase Bank that has ignored my request for chargebacks of fraudulent, unauthorized transactions made via XXXX and XXXX XXXX on my Chase Bank XXXX XXXX Credit Card and has also refused to investigate said fraudulent transactions. At end of XXXX 2016, I discovered unauthorized, fraudulent transactions made via XXXX and XXXX XXXX in my Chase XXXX Credit Card statements. I contacted XXXX and XXXX XXXX and requested information about the vendors. While XXXX XXXX has provided me with the invoices pertaining to said transactions, XXXX refused to provide any information about said transactions and the vendors, informed me that all of the transactions were made online and a lot of transactions were made via XXXX account on my name and my social security number. When I requested XXXX to provide me with information about the XXXX account allegedly open in my name through which my credit card was charged, XXXX refused to provide any information about that XXXX account, claiming that the XXXX account on my name was already closed. At the same time, XXXX recommended that I contact my credit card company for chargebacks of all these fraudulent transactions. I thereafter reported all fraudulent transactions to Chase and disputed all fraudulent charges. I also filed a police report about Identity Fraud and these fraudulent XXXX and XXXX Credit Card transactions. Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent or knowledge. Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just reversed credit transactions and started avoiding any communications with me. In fact, I left numerous voice messages with supervisors of Chase Fraud Department requesting to return my calls at no avail. I have never received any written communications from Chase regarding my reporting of said fraudulent transactions and can not obtain any information about said fraudulent transactions neither from Chase nor from XXXX. I respectfully request a thorough investigation of all fraudulent transactions, state that all said transactions were unauthorized, were fraudulent and were without my knowledge. I also request that Chase provide me with all information pertaining to said transactions - who are the vendors, their contacts, invoices pertaining to said transactions and proof of delivery. I do not understand how the transactions can be considerate valid if they were made via fraudulent XXXX account that was opened by Identity Fraud. Nor do I understand how transactions made via XXXX XXXX can be valid if XXXX invoices show not my name on them, not my billing and shipping address. Moreover, while these fraudulent charges were being made on my account, Chase failed to notify me of any suspicious or fraudulent activity even though the name, the billing address and the shipping address for goods purchased in fraudulent activity were different than my name, billing address and shipping address on record with Chase, as Chase 's long-time private customer. The fact that Chase is now : refusing to investigate and demand chargebacks on my behalf from XXXX and XXXX, will not provide me with any information pertaining to these XXXX fraudulent transactions and will not tell me if XXXX or XXXX XXXX opposes any chargebacks, clearly violate my rights as a customer of Chase and my contractual agreement with Chase as its private client. I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. | ||||||
| 09/30/2016 | Yes |
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| On XXXX/XXXX/16 while I was on business in XXXX HI I was notified electronically that my checking account had been overdrawn by {$1000.00}. On XXXX/XXXX/16 I saw the original e-mail message and received a subsequent message that I was now overdrawn {$1800.00}. I set my alerts on my mobile banking to alert me if my account is {$100.00} overdrawn as a safety and I should 've received a text message immediately. I consistently received texts whenever any amount is withdrawn or if the balance is over {$500.00}. So I 'm not sure why I never got a text on XXXX stating my account was negative. According to my account I was at a negative balance of {$110.00} on XXXX in XXXX. As you can see they did n't notify me until my account was overdrawn by {$1000.00} on XXXX when I was in XXXX. I immediately called the bank and explained I had the money on me and needed to get it into my account it. It appeared I inadvertently paid my mortgage twice ( one 1 day apart ) and since I was using the card for business expenses it was overdrawn. I advised them that I had the funds and requested assistance in getting the funds deposited in my account since there were no branches on the entire island. They offered me no alternative means to get the funds into my account except a wire transfer that would n't have made it into my account on time and stated that I had until XXXX HST or XXXX EST to get the money in my account before I am assessed additional late fees. I spent the next 4 hours brainstorming on how I can get the funds into the account. I reach out to XXXX and they offered to wire the funds in hopes that it may post in time. I went ahead and did the transfer as you can see the funds posted on XXXX. Unfortunately Chase will not allow anyone but the account owner to deposit cash into an account so there was nothing any family member could do for me in NY. I 'm confused as to why they have this rule in effect and why they do n't allow you to deposit in your account? It seems like a deliberate system set up so the bank is guaranteed a delay and can assess insufficient fund fees. As you probably know other banks like XXXX XXXX XXXX allow cash deposits into anyone 's account as long as you have a valid id and the account number. I also went to the XXXX and they were most helpful. They offered to open a checking account, deposit the cash and then mobile deposit a check into my chase account. I opened the account and when I attempted to deposit the funds into my chase checking account the mobile app would not allow me to do so. The electronic message stated I do not have the option at this time. I could n't believe what I was reading. How could my bank not allow me to deposit funds in my account when the balance was negative and there were no branches in my area? I called and spoke with a bank supervisor by the name of XXXX ( chase has a record of his last name since he posted a note on my account ) who was less than professional. I pleaded with him and let him now there are no chase branches on the entire island and if I do n't deposit the money I will be assessed additional late fees. He stated there is nothing he can do and " honestly it is a dead end Issue ''. I was so upset at the situation and his lack of professionalism and choice of verbiage that I actually had to hang up the phone or I would 've gotten even more upset. Even if I deposited the cash or check in my savings account it would n't have cleared in time in order for me to transfer the funds and XXXX told me he had no way to release the funds from my saving account to transfer to my checking account. On Monday XXXX the funds were deposited into my account to relieve the negative balance. I was assessed a total of XXXX insufficient fund fees totaling {$270.00} ( they reversed the 9th fee ). | ||||||
| 06/04/2015 | Yes |
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| ISSUE : I have been scammed, notified the bank and bank refused responsibility. XXXX Computers were purchased with my personal Chase Credit Card on behalf of my new employer ( XXXX XXXX ). Prior to shipping, I made sure that my reimbursement of {$6200.00} was in-place ( account was provided by scammer to make this payment, also using CHASE Bank Account # XXXX, Routing # XXXX ). I also called the bank to secure this transaction and it was confirmed. Note : Transaction is from CHASE Bank Account to my CHASE CC. XXXX Computers were shipped to XXXX, XXXX through USPS XXXX, XXXX. Between times, I sensed potential Scam but unable to verified and since my Credit Card Account did not show any questionable activities, I was not too concerned, especially as the payment I made stays in place. I was given another assignment by my employer to purchase another same set of computer as part of my training and I also purchased the Computers from same place, billed to my same CHASE CC in the amount of {$6200.00}. I also purchased Shipping Materials. I attempted to reimburse myself using the same Chase Account given to me per the above. I was refused by the system with a screen error of " FAILURES ... ". I passed this to my employer and they provided me with a different account # : XXXX & Routing # : XXXX. I also reimbursed myself using this account with a payment to my CHASE CC of {$6700.00} ( XXXX ) and {$480.00} ( XXXX ). Again, prior to shipping, I made sure ; reimbursement / transaction is clear with no issue, verified by another call to CHASE to verbally confirmed over the phone. XXXX XXXX Packages were sent using USPS. XXXX @ XXXX I discovered this was a scam. Discovery were made by calling my employer HQ office in XXXX which confirmed that this is a fraud / scam. The entire day I notified / filed reports : CHASE Bank, USPS ( all routes possible ), Police, FBI, Cyber Police, etc. My CHASE CC status was still undisturbed when I kept checking in the evening. XXXX @ around XXXX, I checked my CHASE CC status again and showed a Returned Payment charges of {$6200.00} posted XXXX probably late night. I called CHASE and spoke to XXXX XXXX XXXX of CHASE in XXXX XXXX and he offered no solution, placed full responsibility on me. During all this time, I kept monitoring my account. ISSUES:1. The payment transfer was legitimate from XXXX through XXXX, 7 days, for sensitive issue that I have alerted the bank since day XXXX of legitimacy questions and it was always confirmed everything were confirmed legitimate. 2. The Bank delay / wait of 7 days to reverse payment disabled me from Reverse Shipment of the Packages I sent, by this time it is already too late, packages have arrived in XXXX, XXXX per my tracking. Electronic transfer validity should not take more than a day or XXXX, especially in same bank transfer, and this takes 7 days. I kept in contact with the Bank for legitimacy all the time, especially when same XXXX request were made by my employer, bank 's agents always confirmed it was legitimate. At XXXX time, I even place a block in my account, just in case. 3. CHASE denied responsibility is unfair due to the Chronology of the events. 4. This complaint also for the payments of : {$350.00}. XXXX posted on XXXX/XXXX/15 {$6700.00} posted on XXXX/XXXX/15 {$480.00} posted on XXXX the reverse charges will certainly occurs in the near future, and shipment of the merchandise has proceeded and according to USPS is almost impossible to Reverse International Shipment. Though, I have made major efforts to do this. Should any can be recovered, I will attempt to return them to the store and credit will be reported to the bank to recharged back my account appropriately ( store will do this automatically when merchandise is returned ). | ||||||
| 09/22/2016 | Yes |
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| Owner opened business account with Chase Bank XXXX/XXXX/XXXX. On XXXX XXXX, XXXX Owner deposited a check drawn against XXXX, with Chase Bank in the amount of {$7900.00} XXXX Dollars, for deposit in Owner Account. Owner was told that the check, since in XXXX dollars would have to follow Chase Bank collection process, whereby the physical check would be presented to the drawer bank for collection of funds and the actual amount Owner would receive will be determined at the Exchange Rate in effect when Chase Bank is paid for check. That date Chase Bank was paid by XXXX XXXX XXXX was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Owner was credited the Sum of {$5800.00}. Chase Bank using a XXXX to USD exchange of XXXX XXXX dollar per US dollar. The then XXXX/XXXX/XXXX date published Currency Exchange Rate for XXXX to US dollars ( various Currency Exchange sources available- Plaintiff used XXXX XXXX ) was XXXX. This resulted in Chase Bank crediting Owner Account a shortfall of - {$300.00} USD, or XXXX %. The amount per the Published Currency Conversion Rate that should have been credited was to be {$6100.00}. Complaint was made with Chase Bank on XXXX/XXXX/XXXX regarding the shortfall of - {$300.00} not credited to Owner Account. Owner explained to Chase Case Representative - XXXX XXXX/XXXX/XXXX ( Chase Executive Offices ), ( Chase Recorded Phone Conversation ) that the Chase Bank Conversion Rate was not in line with Published Currency Rates for that day - resulting is Account Owner receiving less monies in account of {$300.00} USD. Owner explained that he talked with a representative of Chase Credit Card Div on XXXX/XXXX/XXXX - XXXX, the next day after Chase Bank deposit to Owner Account. Chase Bank XXXX, told Plaintiff the Currency Transaction Rate for purchases made in XXXX and converted to USD - $ XXXXUDS= {$1.00} XXXX. or exchange rate of XXXX. This was in line with published Day Currency Exchange Rate of XXXX of XXXX XXXX Finance The Federal Reserve Bank Services- XXXX Check Collection Service , XXXX Exchange Rates. Shows the Federal Reserve Exchange Rate for the date of the exchange transaction to be XXXX In conveying this info to Chase Bank XXXX, she could not come up with any answer as to why Chase did not use daily-published currency exchange rate. When asked by XXXX, where Chase Bank has/keeps publishes currency exchange rates-she again had no answer. Then stating to me she would pass case on to higher authority in Chase organization. On XXXX/XXXX/XXXX Chase Bank Claims Case representative XXXX ( Chase Executive Offices ). ( Chase Bank recorded conversation ), contacted Account XXXX. XXXX immediately referred to Chase Bank " Deposit Account Agreement '' Issue Date XXXX XXXX. Owner told Chase representative that - ( 1 ) Account Owner did not have knowledge of this new agreement when the monies were deposited, and since ( 2 ) Owner opened account in XXXX, - given Account Rules & Regulations Dated XXXX XXXX, XXXX. Owner asked Chase 's XXXX if he could show Owner, if where & when Owner received/ acknowledged or signed off on said NEW Deposit Account Agreement- Chase 's XXXX could not. Chase Bank Account Rules & Regulations XXXX XXXX, XXXX states " The actual credit for items payable in a foreign currency will be at the exchange rate in effect at the time of final collection in US dollars ''. The Published Currency Conversion Rate was XXXX on the date in question not XXXX as Chase Bank used for conversion. Account Agreement does not state that Chase Bank can/will use a lower exchange rate than published. Chase Bank XXXX told owner that ( 1 ) Chase sets its own conversion rates and ( 2 ) Chase was refusing to credit owner account the shorted monies of {$300.00}. Owner views this as consumer fraud and deceptive banking practice. | ||||||
| 03/15/2023 | Yes |
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| I can not access my account, I have being trying for years, the account number is not active any more and now if I phone the operator says they can not help me. Account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX GA XXXX POA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last amount : {$31000.00} Correcpsondance below : Thank you for contacting the Office Of Unclaimed Funds. Visit our website at www.osc.state.ny.us/ouf to learn how to search for lost money, claim funds and download claim forms. You may also search by calling our XXXX XXXX at XXXX ( XXXX XXXX XXXX XXXX ). You will need to provide your full name ( and any previous names you XXXX have used ) and any addresses within New York State that you have used. We can also search using a social security number if you feel comfortable providing this information. If youre searching for funds for anyone other than yourself, you must indicate your relationship to the account owner. For example, you may be an estate representative, surviving spouse, heir, Power of Attorney, guardian or conservator. You may also write to us providing the information identified above. After we review your claim, well either recommend your claim for payment or send you a letter stating that we need more documentation. Our mailing address is Office of Unclaimed Funds, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX This communication, including any attachments, is intended solely for the use of the Individual or entity to which it is addressed. This communication may contain information that is protected from disclosure under State and/or Federal law. Please notify the sender immediately if you have received this communication in error and destroy. If you are not the intended recipient, you are requested not to disclose, copy, distribute or take any action in reliance on the contents of this information. -- -- -Original Message -- -- - From : XXXX Sent : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : XXXX Question : Technical XX/XX/XXXX XXXX AM This email was sent from the XXXX Support page. Name : XXXX XXXX : XXXX XXXX XXXX XXXX : New York Issue : Good day. I have searched and found the claim, on https : XXXX XXXX This property is held by the State of New York XXXX XXXX XXXX, XXXX XXXX Last Known Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX Reported By : JPMORGAN CHASE BANK NA ( 802 ) However when I click to visit Visit New York 's Website to continue with claim the above can not be found, please advise. I contacted Chase Bank with the below request and they sent on the info to contact you. Many thanks XXXX Chat Conversation Start XXXX XXXXXXXX Good day, my Accounting firm in XXXX XXXX XXXX XXXX has been contacting the bank.I am XXXX XXXX XXXX of the late XXXX XXXX XXXX My mother passed away on XXXX XX/XX/XXXX and I inherited the bulk of my late mothers estate. We are looking for information on XXXX XXXX XXXX XXXX Priority Savings Account number ****** XXXX XXXX XXXX XXXX XXXX bank account was transferred to Chase XXXX XXXX XXXX Account number XXXX and I did receive Bank Statements from Chase XXXX There after I received letters from unclaimed property that stated that the account is considered to be abandoned and that the balance will be transferred to the state of Ohio. I did respond by sending a completed Account Certification Form. Is the account closed? Has the funds been transferred to the State of Ohio? Who do we contact to resolve this issue? We have tried continuously phoning but nothing as been resolved as of yet. Best Wishes XXXX Their reply was this : Hello, XXXX, I was expecting to hear from you. The account is currently in purge pending status to be closed. If you have unclaimed funds, please visit http : XXXX. XXXX | ||||||
| 05/28/2020 | Yes |
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| My wife, XXXX, and I each have a Chase Explorer United Mileage Plus credit card. We opened our accounts in XXXX. We moved on XX/XX/XXXX from XXXX to a new residence in XXXX. When the bills for our Chase Credit Cards arrived to our new home the first week of XXXX, XXXX 's card showed an improper charge of {$790.00} from XXXX XXXX. The date of the transaction is shown as XX/XX/XXXX. It is a charge of which we have no knowledge. All we know about XXXX XXXX is information we have gathered since the start of this incident. The charge was for a round trip for a single woman to be made some time in XXXX, XXXX. My wife, XXXX, is XXXX years of age and our XXXX years of marriage we have always vacationed together. It is important to restate that my wife has never had any form of contact with XXXX XXXX. That includes anything like a trip confirmation or a trip voucher. What we know about the trip we have learned during the complaint process. Immediately after the billing arrived we notified Chase of the fraudulent charge and asked it be removed from her account. We also cancelled her credit card and were issued a new one. Chase responded to the fraud charge on XX/XX/XXXX. They referred to the incident as " an unauthorized transaction on her account ''. Chase found that XXXX was responsible for the transaction " because she received benefit from the transaction. '' However, she did not know she was scheduled and she did not know she had paid for it. We can not see how they can maintain this position as no one from Chase or XXXX made any effort to to confirm with or contact the person who supposedly made the purchase. No explanation of the benefit has ever been offered. Prior to the trip no one from Chase or XXXX made contact with XXXX. We were upset with this finding and contacted the Chase Fraud department immediately. After first reluctance by their agent, " XXXX, '' they agreed to review our complaint a second time. The outcome of the second review was sent to us on XX/XX/XXXX. We were notified that the second committee found the findings of the first review committee to be valid and XXXX was expected to make payment for a trip to XXXX that had occurred before she learned of it. Following the XX/XX/XXXX notification we called the Chase Fraud department at XXXX. The person with whom we spoke confirmed the finding but also notified us that there was a finding from a different Chase department that XXXX should not be found liable. The remedy for the issue was to being the problem back to the third committee for reconsideration. They called the process " reinsertion and overturn. '' We called the fraud department for multiple weeks after the meeting during the month of XXXX. We were consistently unable to reach anyone from the fraud department during this period of time. All calls we made to people working in the fraud investigation area were answered with a recording. The recordings uniformly stated that the person being called was very busy assisting with problems related to the Coronavirus, and that the caller could leave a message but it was not likely to be returned. We stopped trying to reach persons in the Chase fraud department. A final notification came to XXXX on XX/XX/XXXX. It stated that the latest review confirmed the previous findings. It also stated the fraud claim is closed unless new information is provided. Finally, we feel it is important to address the process used by the Chase fraud department. Each review by separate committees has resulted in a " yes '' or " no '' format. In no case as the department ever provided information about the basis for the decisions of the committee. We have no idea what information was considered when their decision was made, and we wonder if the information was accurate. | ||||||
| 06/30/2016 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Contact Phone : XXXX Alternate Phone : XXXX Email : XXXXXXXXXXXX Business Name : Chase bank, XXXX, XXXX by XXXX, XXXX, and XXXX XXXX XXXX Chase Bank XXXX XXXX XXXX landing XXXX, WA XXXX Bus Phone : XXXX XXXX XXXX paycycle by XXXX XXXX mall XXXX XXXX XXXX id # XXXX Transaction date : XX/XX/XXXX & XX/XX/XXXX Amount in dispute : XXXX XX/XX/XXXX I experienced difficulty getting on-line to my Business Banking Account XXXX XXXX XXXX XXXX XXXX Logical Mind # XXXX with XXXX. My Son XXXX XXXX and I drove to XXXX Chase Branch and explained that I was unable to get online. I had the same login in name and password for the last 4-5 years. The lady helped me to reset my password but the following day when I tried to go on-line again I could not get into my account from home. I have all of my bills set up so that each month the bills come in and the bills get paid I do absolutely nothing. I 've made the same amount every month {$3300.00} for 11years. The money was direct deposited by XXXX County or XXXX - XXXX every month. XXXX XXXX, 2016, my debit card was rejected. I went to Chase Bank XXXX XXXX to find out why. print out showed XXXX charges : XXXX/XXXX/16 for {$3000.00} & XXXX/XXXX/16 for {$3000.00}. Never has an amount this large ever been paid out.was surprised the bank did not contact question this charge for " payroll. '' sole proprietor / only employee.XXXX, bank manager filed forms for claim # XXXX XXXX XXXX it was Friday, money should be back Monday. Monday no money.Tuesday returned the add'l forms. she faxed them. XXXX told me that my business was not listed open by Washington DoR. Chase need bus.lic./ tax id DofR online list attached bus. open. XX/XX/XXXX. XXXX what do you want? offended by her manner needed to get the account straightened out saidl no money, need an appt. XX/XX/XXXX XXXX appt to close one open another. XXXX XXXX worked with me for 1 1/2 hours She then took the paperwork to XXXX XXXX who rejected my business banking application because she said the names did n't match. My business was established under XXXX and the debit card reads XXXX but all bank correspondence is sent to XXXX. I had multiple pieces of ID including my XXXX XXXX, she refused to open the acct even though Chase would not guarantee the money if I did not close and reopen. The money was returned bills were supposed to be paid but on XXXX XXXX, 2016 XXXX XXXX called me and said The money was removed XX/XX/XXXX because it was an ACH payment w/only 24 hrs to report but ACH customer service reports XX/XX/XXXX the transactions as on-line banking transactions.. I believe a grievance filed about XXXX XXXX performance was the reason for the reversal.No one at Chase will reverse the reversal. was told : XXXX at XXXX was refusing to return the monies. I had to call XXXX to settle.spoke to XXXX+ XXXX people on XX/XX/XXXX and XX/XX/XXXX. Was assured me my chase account had never been debited. I called Chase back. I said wrong information. I was told XXXX # XXXX. The number does not work it is not a real number. Not that it is no longer working but that it did not exist. I call Chase they say call XXXX XXXX XXXX for name of company ID XXXX ( XXXX, XXXX XXXX. XXXX made withdrawal. XXXX is listed on the internet as XXXX by XXXX. No longer {$6000.00}. debit card worked til XX/XX/XXXX. {$34.00} NSF ea. use. mortgage increased & past due / late fees, my creditors no pay for 2 mos.w/ late fees credit scorein the gutter. did not charges. do not owe. bank should have realized an issue XXXX unusually high amounts were charges should have been notified. I want the money returned I want all bank insufficient funds charges reversed. I want a letter that I can give to my creditors to rtrn accts to normal.want new bus. acct | ||||||